agus debitur bank bjb Cabang Garut kepada bank bjb Cabang Garut

annual report 2016 653 Growing Together with new expanding opportunities PEMBERIAN DANA KEGIATAN POLITIK Direksi melalui Surat Keputusan Direksi Nomor 709SKDIR- KP2014 tanggal 07 Oktober 2014 tentang Etika Usaha dan Tata Perilaku Code of Cunduct PT. Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk., kode etik bank bjb merupakan pedoman yang menjelaskan etika usaha dan tata perilaku insan bank bjb untuk melaksanakan praktik-praktik pengelolaan perusahaan yang baik. Salah satunya mengatur mengenai Standar Tata Perilaku yaitu poin e. Menghindari benturan kepentingan dan penyalahgunaan jabatan dan poin l. Aktivitas politik. Kode etik bank bjb menjadi standar perilaku yang wajar, patut dan dapat dipercaya untuk semua insan bank bjb dalam melaksanakan kegiatan usaha termasuk berinteraksi dengan pemangku kepentingan.Untuk itu, Kode etik bank bjb berlaku bagi seluruh insan bank bjb diseluruh jenjang organisasi. Penerapan pedoman kode etik bank bjb dilaksanakan secara terus menerus dan berkesinambungan dalam bentuk sikap, perbuatan, komitmen dan ketentuan mendukung terciptanya budaya perusahaan. Oleh Karena itu, Bank tidak memberikan dana untuk kegiatan politik. PENYEDIAAN DANA KEPADA PIHAK TERKAIT Perseroan memiliki kebijakan bahwa penyedian dana pada pihak terkait dilakukan secara wajar dan transparan. Penyediaan dana kepada pihak terkait tidak boleh bertentangan dengan prosedur umum pemberian penyediaan dana yang berlaku dan wajib tetap memberikan keuntungan yang wajar bagi Bank dan juga Penyediaan Bank tersebut wajib mendapat persetujuan Dewan Komisaris. PROVIDING FUND FOR POLITICAL ACTIVITIES The Directors through Directors’ Decree Number 709SK DIRKP2014 dated 07 October 2014 concerning Business Ethics and Code of Conduct of PT. Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk., explains that bank bjb code of ethics is guideline describing business ethics and code of conduct of bank bjb’s human to implement good corporate management practices. One of them governs about Standard Code of Conduct, which is point e, avoiding conflict of interest and misuse of position and poin l. political activity. bank bjb code of ethics becomes a standard behaviour that is fair, worthy, and reliable for all humans of bank bjb in carrying out the business activities including in interacting with the stakeholders. Therefore, bank bjb code of ethics applies to all humans of bank bjb at all levels of organization. Implementation of guideline of bank bjb code of ethics is done continuously and sustainable in the form of attitude, action, commitment, and provision supporting the creation of corporate culture. Hence, the Bank does not provide funds for political activities. PROVISION OF FUNDS TO RELATED PARTY The Company policy regulates that provision of funds to related parties should be executes properly and transparently. Provision of funds to related parties must not conflict with the applicable general procedures of provision of funds and must still provide a reasonable profit for the Bank. The provision also must be approved by the Board of Commissioners. funDing foR PoliTical acTiviTieS anD PRoviSion of funDS To RelaTeD PaRTieS PEMBERIAN DANA KEGIATAN POLITIK DAN PENYEDIAAN DANA KEPADA PIHAK TERKAIT Laporan Tahunan 2016 654 Semakin Berkembang Bersama peluang Baru yang Membentang Information Technology Governance merupakan kebijakan teratas yang mengatur prinsip-prinsip penyelenggaraan seluruh proses-proses TI. Oleh karena itu, IT Governance harus selalu di- review kecukupannya, sehingga efektif untuk menjaga kualitas pelaksanaan proses-proses TI. Hasil review dalam penyusunan Rencana Strategi Teknologi Informasi RSTI memperlihatkan bahwa IT Governance bank bjb sebaiknya diperbaiki supaya lebih lengkap, jelas pelaku dan tanggung jawab setiap prosesnya, serta ada ukuran setiap prosesnya. Selain IT Governance, kebijakan pendukung lainnya perlu dilengkapi, seperti Kebijakan keamanan informasi, kebijakan pengembangan aplikasi dan kebijakan lainnya, juga SOP yang lengkap sebagai panduan detail untuk pelaksanaannya. Sebagai dasar untuk melakukan kontrol pelaksanaan proses TI yang benar, serta sebagai referensi untuk melakukan audit TI. Harus mencakup daftar proses yang lengkap minimal mencakup seluruh proses yang dinyatakan dalam PBI 915, serta deskripsi proses yang lengkap untuk setiap proses-nya, mencakup penjelasan proses, aktivitas, RACI chart, Control Objectives, serta metrik untuk setiap aktivitasnya. Control Objectives for Information and related Technology COBIT sebagai salah satu framework IT Governance yang paling banyak digunakan, juga menyatakan pentingnya memiliki IT Strategic Plan yang selaras align dengan strategi bisnis. CobiT BUSINESS OBJECTIVES GOVERNANCE OBJECTIVES ME1 Monitor and evaluate IT performance. ME2 Monitor and evaluate internal control. ME3 Ensure compliance with external requirements ME4 Provide IT Governance DS1 Define and manage service levels. DS2 Manage third-party services. DS3 Manage performance and capacity. DS4 Ensure continuous service. DS5 Ensure systems security. DS6 Identify and allocate costs. DS7 Educate and train users. DS8 Manage service desk and incidents. DS9 Manage the configuration. DS10 Manage problems. DS11 Manage data. DS12 Manage the physical environment DS13 Manage operations PO1 Define a strategic IT plan. PO2 Define the information architecture. PO3 Determine technological direction. PO4 Define the IT processes, organisation and relationships. PO5 Manage the IT investment PO6 Communicate management aims and direction. PO7 Manage IT human resources. PO8 Manage Quality. PO9 Assess and manage IT risks. PO10 Manage projects. AI1 Identity automated solutions. AI2 Acquire and maintain applications software. AI3 Acquire and maintain technology infrastructure. AI4 Enable operation and use. AI5 Procure IT resources. AI6 Manage changes. AI7 Install and accredit solutions and changes. • Effectiveness • Efficiency • Confidentiality • Integrity • Availability • Compliance • Reliability • Aplications • Information • Infrastructure • People INFORMATION CRITERIA PLAN AND ORGANISE MONITORE AND VALUE DELIVER AND SUPPORT ACQUIRE AND IMPLEMENT IT RESOURCE Information Technology Governance is the highest policy governing principles of implementation of all IT process. Therefore, the adequacy of IT Governance must always be reviewed so that it is effective to keep the quality of IT process implementation. The result review in the preparation of Information Technology Strategic Plan RSTI shows that bank bjb IT Governance should be improved so that it is more complete, clear actor, and clear responsibilities of each process, as well as there is a measure of each process. Aside from IT Governance, other supporting policies should be completed such as Information Security Policy, application development policy, and other policies, also complete SOP as a detailed guideline for the implementation. As the basis to control good IT process implementation and as a reference to conduct IT audit, it must include a complete process list at least include all process stated in PBI 915 and complete process description for each process, covering process explanation, activities, RACI chart, Control Objectives, and metric for each activity. Control Objectives for Information and related Technology COBIT as one of IT Governance framework that is mostly used also states the importance of having IT Strategic Plan that is aligned with the business strategy. Control Objectives for Information and related Technology COBIT sebagai salah satu framework IT Governance yang paling banyak digunakan, juga menyatakan pentingnya memiliki IT Strategic Plan yang selaras align dengan strategi bisnis. infoRMaTion Technology goveRnance INFORMATION TECHNOLOGY GOVERNANCE annual report 2016 655 Growing Together with new expanding opportunities Dalam upaya memberikan informasi yang transparan kepada publik berkaitan dengan perkembangan dan pelaksanaan pengelolaan usaha Bank serta demi menjalankan program komunikasi pemasaran, Sejak tahun 2013 bank bjb telah menggunakan beragam perangkat untuk menyampaikan informasi penting yang perlu diketahui para pemangku kepentingan. Perseroan telah menyediakan akses informasi bagi Pemegang Saham dan pemangku kepentingan untuk mendapatkan informasi lebih lanjut melalui: Divisi Corporate Secretary Menara bank bjb Jl. Naripan No. 12-14, Bandung Telp: 022-4234868 hunting Fax: 022-4206099 Website: www.bankbjb.co.id Call Center : bjb call 14049 Twitter : infobankbjb Facebook : bankbjb official Instagram : bankbjb Selain itu, informasi mengenai perkembangan saham dan permodalan Perseroan juga dapat diakses melalui website Bursa Efek Indonesia www.idx.co.id. WEBSITE PERSEROAN Dengan diberlakukannya peraturan OJK No.8POJK.042015 tentang situs web emiten atau perusahaan publik, maka bank bjb telah melengkapi website perusahaan dengan beberapa informasi penting seperti Informasi mengenai pemegang saham, struktur grup perusahaan, analisis kinerja keuangan, laporan keuangan 5 tahun terakhir serta profil Dewan Komisaris dan Direksi. Selain itu, Informasi-informasi yang disajikan dalam website senantiasa diperbaharui secara berkala. In an effort to provide public with transparent information related to the development and implementation of Banking business management also to run the marketing communication program, in 2013 bank bjb has used various tools to convey important information which are necessary to be acknowledged by the stakeholders. The Company has provided information acess for shareholders and stakeholders to obtain further information through: Corporate Secretary Division Menara bank bjb Jl. Naripan No. 12-14, Bandung Telp: 022-4234868 hunting Fax: 022-4206099 Website : www.bankbjb.co.id Call Center : bjb call 14049 Twitter : infobankbjb Facebook : bankbjb official Instagram : bankbjb In addition, information regarding share development and capital can also be accessed through Indonesian Stock Exchange www. idx.co.id. COMPANY WEBSITE By the effectiveness of FSA Regulation No. 8POJK.042015 concerning website of issuer or publicly listed companies, bank bjb has completed the company website with some important information such as information on the shareholders, company’s group structure, financial performance analysis, finance statements of the last 5 years, and profiles of the Board of Commissioners and Directors. Moreover, the information presented in the website is updated periodically. infoRMaTion acceSS AKSES INfORMASI Laporan Tahunan 2016 656 Semakin Berkembang Bersama peluang Baru yang Membentang SIARAN PERS Siaran pers yang telah dilakukan oleh bank bjb selama tahun 2016 yaitu: siaran Pers Press release no Tanggal Date siaran Pers Press release 1 29 Februari 2016 February 29, 2016 Laba bank bjb tahun 2015 naik 24,7 bank bjb: Year 2015: profit increased 24.7 2 26 Maret 2016 March 26, 2016 bank bjb gelar nonton bareng Batman VS Superman : Dawn of Justice bank bjb held a movie gathering:Batman vs Superman Dawn of Justice 3 19 Maret 2016 March 19, 2016 bank bjb Bandar Lampung gelar nonton bareng Kung Fu panda 3 bank bjb Bandar Lampung held a movie gathering: Kung Fu panda 3 4 10 Maret 2016 March 10, 2016 pemasaran produk asuransi mikro Bringin ajaib dengan model bisnis distribusi dalam rangka layanan keuangan mikro Feng Shui Talk and Astrology Outlook 2016 Spectacular Bringin Micro Insurance product marketing with distribution business model in relation with Feng Shui Talk and astrology outlook 2016 Financial service. 5 28 Maret 2016 March 28, 2016 Mengoptimalkan potensi bisnis dari wilayah timur Indonesia optimizing business potentials from the eastern part of Indonesia 6 10 Februari 2016 February 10, 2016 bank bjb berikan fasilitas Kpr kepada anggota KorprI provinsi Jawa Barat bank bjb provides house loan facilities Kpr to members of The Indonesian Civil Service Corps KorprI of West Java province. 7 30 Maret 2016 March 30, 2016 Kerja sama tata kelola dan manajemen risiko terintegrasi antara bank bjb dengan anggota konglomerasi keuangan bjb Governance cooperation and integrated risk management between bank bjb and members of bjb’s financial conglomerate. 8 28 Maret 2016 March 28, 2016 bank bjb gelar rupST tahun buku 2015 bank bjb held annual General Meeting Shareholders of financial year 2015. 9 19 Februari 2016 February 19, 2016 Warga Depok dan Bekasi bisa bayar pajak kendaraan lewat aTM bjb residents of Depok and Bekasi can pay their vehicle tax through bjb aTM. 10 28 Maret 2016 March 28, 2016 uMKM go online, untung meningkat usaha berkembang pesat MSMe go online, profit increases business grows rapidly. 11 28 april 2016 april 28, 2016 Kuartal I tahun 2016, laba bank bjb tumbuh 15,8 First quarter of 2016: bank bjb profit increased 15.8 12 2 Juni 2016 June 2, 2016 bank bjb raih penghargaan dari MrI Infobank bank bjb received awards from MrI and Infobank 13 6 Juni 2016 June 6, 2016 perkuat modal kerja pegadaian bersinergi dengan bank bjb Strengthen working capital of pawn in collaboration with bank bjb 14 2 Juni 2016 June 2, 2016 Launching kantor berjalan BpK Kota Bandung, peresmian kantor pelayanan pertanahan bersama Bandung raya, dan layanan payment point bjb Bpn Launching of State audit agency BpK mobile office in Bandung, inauguration of mutual land service office of Bandung raya, and payment point service bjb national Land agency Bpn 15 24 Mei 2016 May 24, 2016 bank bjb launching laku pandai “bjb BISa” bank bjb launched laku pandai “bjb BISa” 16 16 Juni 2016 June 16, 2016 bank bjb siapkan dana rp 6,7 Triliun bank bjb prepared IDr6.7 Trillion fund 17 15 Juni 2016 June 15, 2016 peresmian relokasi gedung bank bjb Kantor Wilayah IV Inauguration of bank bjb regional IV office relocation 18 5 april 2016 april 5, 2016 Memperingati hardiknas 2016, bjb berikan “Kartu bjb Cinta Guru” Commemorate 2016 national education Day bjb gives out “bjb Cinta Guru Card” 19 24 april 2016 april 24, 2016 bank bjb gelar bjb berbagi ramadhan memberi bank bjb held bjb sharing ramadhan give out 20 1 Mei 2016 May 1, 2016 bank bjb gelar nonton bareng aaDC 2 bank bjb held a movie gathering aaDC 2 21 26 Februari 2016 February 26, 2016 Menyambut Mea 2016, ISeI Jabar – bank bjb Gelar Fun Walk Welcoming aeC 2016, ISeI Indonesian economist association of West Java - bank bjb held Fun Walk 22 30 april 2016 april 30, 2016 bank bjb tingkatkan kerjasama dengan STIe ekuitas bank bjb improved collaboration with STIe ekuitas 23 6 april 2016 april 6, 2016 bank bjb berikan kredit infrastruktur rp 500 miliar ke pT adhi Karya persero Tbk bank bjb gives out infrastructures credit IDr500 billion to pT adhi Karya persero Tbk 24 21 Mei 2016 May 21, 2016 bank bjb carnival land dan parade budaya semarakan huT bank bjb ke 55 tahun bank bjb carnival land and cultural parade in celebrating bank bjb 55th anniversary 25 25 Mei 2016 May 25, 2016 huT Kerukunan istri bank bjb KIBar anniversary of bank bjb spouse organisation KIBar 26 28 Juli 2016 July 28, 2016 Triwulan II 2016, laba bersih bank bjb naik 56,3 Second quarter of 2016, bank bjb net profit increased 56.3 PRESS RELEASE Press releases that were done by bank bjb during the year 2016 are: AKSES INfORMASI infoRMaTion acceSS annual report 2016 657 Growing Together with new expanding opportunities siaran Pers Press release no Tanggal Date siaran Pers Press release 27 28 September 2016 September 28, 2016 bank bjb dukung Jabar juara umum pon tahun 2016 bank bjb supports West Java for Champions of pon national Sports Week in 2016. 28 27 September 2016 September 27, 2016 bank bjb jalin kerjasama tabungan Simpel dengan SMan 9 Bandung bank bjb established cooperation with Simpel savings Student Savings in SMan 9 high School in Bandung. 29 8 agustus 2016 august 8, 2016 bank bjb sebagai salah satu bank persepsi gateway dalam program tax amnesty bank bjb as one of the perception bank gateway in tax amnesty program 30 26 Februari 2016 February 26, 2016 bank bjb support pon peparnaS bank bjb supports pon and peparnaS national paralympic Week 31 17 September 2016 September 17, 2016 Sukseskan pon XIX peparnaS XV Jawa Barat 2016 Supports West Java pon XIX and peparnaS XV in 2016 32 24 Juli 2016 July 24, 2016 bank bjb kembali gelar photo contest 2016 bank bjb held another photo Contest in 2016 33 11 September 2016 September 11, 2016 bank bjb gelar nonton bareng Warkop DKI Reborn Part I bank bjb held movie gathering Warkop DKI reborn part I 34 8 agustus 2016 august 8, 2016 Customer Gathering bank bjb tahun 2016 bank bjb Customer gathering in 2016 35 16 September 2016 September 16, 2016 peresmian air mancur gasibu meriahkan rangkaian pembukaan pon XIX Jawa Barat Commemoration of Gasibu fountain glorifies the West Java pon XIX ceremony 36 2 agustus 2016 august 2, 2016 Triwulan II 2016, laba bersih bank bjb naik 56,3 Second quarter of 2016, bank bjb net profit increased 56.3 37 30 September 2016 September 30, 2016 Customer loyalty program Customer loyalty program 38 7 September 2016 September 7, 2016 Consumer loan loyalty program CLLp Consumer loan loyalty program CLLp 39 22 September 2016 September 22, 2016 Tingkatkan Gairah Sektor properti melalui bjb Kpr Increase enthusiasm in property Sector through bjb house Loan Kpr 40 25 agustus 2016 august 25, 2016 The Best Small Cap In Indonesia - Finance Asia “Titanium Trophy” Best of The Best bank BuKu III – Infobank The Best Small Cap In Indonesia - Finance asia “Titanium Trophy” Best of The Best bank BuKu III – Infobank 41 22 agustus 2016 august 22, 2016 Kantor Wilayah V bank bjb resmi beroperasi bank bjb regional office V is officially operating 42 29 agustus 2016 august 29, 2016 Transformasi bank pembangunan Daerah “BpD harus Menjadi bank Yang Kuat, Kompetitif Kontributif Bagi pembangunan Daerah” Transformation of Local Development bank BpD “BpD has to be a firm, competitive and contributive bank for Local Development” 43 8 agustus 2016 august 8, 2016 bank bjb bank penampung dana repatriasi bank bjb is a repatriation fund recipient 44 18 September 2016 September 18, 2016 Tandamata bank bjb kepada generasi muda bank bjbs souvenir to the young generation 45 25 Juli 2016 July 25, 2016 bank bjb “Good To Great : Ready To Overtake The Next Level” bank bjb“Good To Great: ready To overtake The next Level” 46 2 September 2016 September 18, 2016 antara bank bjb – LpDB KuMKM – BpJS Ketenagakerjaan – KaDIn provinsi Jawa Barat Between bank bjb - LpDB revolving Fund Management agency, KuMKM Credit for Micro, Small and Medium enterprise-employment BpJS Social Security agency- West Java Indonesia Chamber of Commerce KaDIn. 47 17-18 September 2016 September 17-18, 2016 Invitational Golf Tournament Gala Dinner Invitational Golf Tournament Gala Dinner 48 21 September 2016 September 21, 2016 Meriahkan pon XIX, bank bjb manfaatkan kegiatan di “Kampung atlet” Celebrate pon XIX, bank bjb took advantage of activities in “Kampung atlet”. 49 9 agustus 2016 august 9, 2016 pembayaran pBB-p2 bisa dilakukan di Indomaret payment of Land and Building Tax p2 pBB-p2 can be conducted in Indomaret. 50 15 September 2016 September 15, 2016 peran bank bjb dalam pengembangan uMKM bank bjb’s role in the development of Micro Small Medium enterprises uMKM 51 23 november 2016 november 23, 2016 ahmad Irfan masuk nominasi 15th Asia Business Leaders Awards aBLa ahmad Irfan was nominated to be the 15th asia Business Leaders awards aBLa 52 14 oktober 2016 october 14, 2016 Triwulan III 2016, laba bersih bank bjb naik 55,6 Third quarter of 2016, bank bjb net profit increased 55.6 53 28 September 2016 September 28, 2016 bank bjb dukung Jabar juara umum pon tahun 2016 bank bjb supports West Java for Champions of pon national Sports Week in 2016. AKSES INfORMASI infoRMaTion acceSS Laporan Tahunan 2016 658 Semakin Berkembang Bersama peluang Baru yang Membentang siaran Pers Press release no Tanggal Date siaran Pers Press release 54 8 September 2016 September 8, 2016 bank bjb Service Excellence Award BBSea bank bjb Service excellence award BBSea 55 18 Desember 2016 December 18, 2016 Sepak Terbang ahmad Irfan dalam Membangun Indonesia Memahami negeri ahmad Irfan’s effort in Developing Indonesia Grasping the nation 56 19 Desember 2016 December 19, 2016 Berbagi kasih di hari Ibu dan cantik bersama bjb precious Share the love on mothers day and be beautiful with bjb precious 57 18 Desember 2016 December 18, 2016 Komitment bank bjb, membangun Indonesia memahami negeri bank bjb’s commitment, developing Indonesia grasping the nation 58 13 november 2016 november 13, 2016 bank bjb meriahkan huT ke 8 Kota Tangsel “700 orang akan ramaikan fun bike” bank bjb celebrated South Tangerang City 8th anniversary “700 people will join fun bike” 59 11 november 2016 november 11, 2016 Gelar bjb novemberun 2016 : Watergun Festival held bjb 2016 novemberun: Watergun Festival 60 27 oktober 2016 october 27, 2016 Inklusi keuangan “Cerdas Bersama Simpel” Financial Inclusion “Smart with Students Saving Simpel” 61 9 Desember 2016 December 19, 2016 bank bjb luncurkan kartu e-money bekerja sama dengan bank Mandiri bank bjb launched e-money card in cooperation with Mandiri bank 62 20 oktober 2016 october 20, 2016 Launching pembayaran pBB-p2 di bank bjb cabang pekanbaru Launching of Land and Building Tax payment pBB-p2 at bank bjb pekanbaru branch 63 14 oktober 2016 october 214, 2016 Sekilas relokasi kantor Wilayah 2 bank bjb relocation of bank bjb regional office 2 at a glance 64 1 Desember 2016 December 1, 2016 Pilot project dalam sustainable bank pilot project in sustainable bank 65 17 november 2016 november 17, 2016 bank bjb SeKar bank bjb BerSInerGI “Mendukung pencapaian Visi Misi perseroan” bank bjb and SeKar bank bjb BerSInerGI “Supports the Company’s Vision and Mission accomplishment” 66 6 oktober 2016 october 6, 2016 bank bjb dukung sektor pertanian bank bjb supports agriculture sector 67 17 Desember 2016 December 17, 2016 bank bjb gelar nonton bareng Star Wars – rogue one bank bjb held movie gathering Star Wars - rogue one 68 7 november 2016 november 7, 2016 bank bjb jaga GCG bersama Kejati Jabar “addendumkan pKS dengan Kejati Jabar bank bjb guarded GCG together with West Java prosecutor “added another clause between pKS and West Java prosecutor 69 29 oktober 2016 october 29, 2016 pemberdayaan ekonomi masyarakat terpadu peSaT kepada civitas unSrI Integrated economic community empowerment peSaT towards unSrI members 70 3 Desember 2016 December 3, 2016 Speed festival at bank bjb gelar Speed Matsuri Speed festival at bank bjb heldSpeed Matsuri 71 14 oktober 2016 october 14, 2016 bank bjb “Break the Limit to be the Best : enjoy, untung, aman Selamat” bank bjb “Break the Limit to be the Best : enjoy, profit, Safe and Secure 72 23 oktober 2016 october 23, 2016 bank bjb sapa Medan, gelar funwalk “Membangun Indonesia, Memahai negeri” bank bjb greet Medan, held funwalk “Develop Indonesia, Grasp the nation” 73 29 oktober 2016 october 29, 2016 peduli uMKM, bank bjb salurkan Kur dan selenggarakan Seminar uMKM Micro, Small, Medium enterprises uMKM Care, bank bjb distributed people Business Credit programs Kur and held uMKM seminar. 74 24 Desember 2016 December 24, 2016 Launching bank bjb Garuda Bandung Basket Ball dan Bandung bank bjb Volley Ball Launched bank bjb Garuda Bandung Basket Ball and bank bjb Bandung Volley Ball 75 16 Desember 2016 December 16, 2016 Economic outlook 2017 bank bjb bank bjb 2017 economic outlook 76 5 Desember 2016 December 5, 2016 bjb wisata religi, apresiasi terhadap nasabah bjb religious tour, appreciation to the customers 77 19 Desember 2016 December 19, 2016 bank bjb raih penghargaan Indonesia Trusted Companies 2016 “penghargaan pertisius di Bidang GCG” bank bjb received award Indonesia Trusted Companies 2016 “pertisius award in GCG Sector” 78 7 Desember 2016 December 7, 2016 bank bjb menerima penghargaan Indonesia Good Corporate Governance Award 2016 “GCG bank bjb berpredikat Sangat Bagus” bank bjb received the 2016 Indonesian Good Corporate Governance award. “GCG received by bank bjb with Very Good rating” 79 9 Desember 2016 December 9, 2016 pengembalian dana bergulir tahap 1 Kredit Cinta rakyat KCr “bank bjb tunaikan kewajiban kreditkan dana sebesar 165 miliar kepada pemprov Jabar. revolving fund phase 1, Kredit Cinta rakyat KCr “bank bjb paid off credit fund of 165 billion to the provincial Government of West Java. AKSES INfORMASI infoRMaTion acceSS annual report 2016 659 Growing Together with new expanding opportunities TRANSPARANSI PENYAMPAIAN LAPORAN bank bjb senantiasa menyampaikan laporannya sesuai Peraturan Otoritas Jasa Keuangan Nomor 32POJK.03.2016 tentang Perubahan Atas Peraturan Otoritas Jasa Keuangan Nomor 6POJK.032015 tentang Transparansi dan Publikasi Laporan Bank. Adapun transparansi penyampaian laporan yang telah dilakukan bank bjb selama tahun 2016, yaitu: Tabel Transparansi Penyampaian laporan Table Transparency in submitting report Tanggal Date no surat register number Perihal subject Tujuan Objective 12272016 996DIr-CS2016 Keterbukaan Informasi Yang perlu Diketahui publik penerbitan MTn II bank bjb Tahun 2016 sebesar rp 1.189.000.000.000,- satu triliun seratus delapan puluh sembilan miliar rupiah Disclosure of Information that should be acknowledged by public: The issuance of bank bjb MTn II in 2016 amounting to rp 1,189,000,000,000, - one trillion one hundred and eighty-nine billion rupiah oJK 1262016 2316CS-Ir2016 Laporan Bulanan registrasi pemegang efek perubahan Struktur pemegang Saham Monthly registration of Securities holders Changes in Shareholding Structure oJK 1272016 957DIr-CS2016 penjelasan atas Volatilitas explanation regarding Volatility oJK 11142016 0902aDIr-CS2016 Laporan hasil pemeringkatan Tahunan reports of results of annual rating oJK 1142016 2072CS-Ir2016 Laporan Bulanan registrasi pemegang efek Monthly registration of Securities holders oJK 1132016 2040CS-Ir2016 Keterbukaan Informasi Yang perlu Diketahui publik peringkat nasional Jangka panjang bank bjb dari pT Fitch Indonesia Disclosure of Information that should be acknowledged by public: Long-Term national rating of bank bjb in 2016 by pT Fitch Indonesia with aa oJK 10312016 2009CS-Ir2016 Keterbukaan Informasi pemegang Saham Tertentu Disclosure of Information on Certain Shareholders oJK 10182016 838DIr-Kp2016 perubahan Komite audit Changes in audit Committee oJK 10172016 834aDIr-CS2016 penyampaian Laporan Keuangan Interim Submission of Interim Financial Statements oJK 10172016 834DIr-CS2016 penyampaian Bukti Iklan Informasi Laporan Keuangan Interim Submission of advertisement of Information on Interim Financial Statements oJK 10102016 1805CS-Ir2016 Laporan Bulanan registrasi pemegang efek Monthly registration of Securities holders oJK 982016 1650CS-Ir2016 Laporan Bulanan registrasi pemegang efek Monthly registration of Securities holders oJK 8292016 701aDIr-CS2016 perubahan Komite audit Changes in audit Committee oJK 892016 1363CS-Ir2016 Laporan Bulanan registrasi pemegang efek Monthly registration of Securities holders oJK 892016 1382aCS-Ir2016 Keterbukaan Informasi pemegang Saham Tertentu Disclosure of Information on Certain Shareholders oJK 892016 1382CS-Ir2016 Keterbukaan Informasi pemegang Saham Tertentu Disclosure of Information on Certain Shareholders oJK 7282016 1309CS-Ir2016 Keterbukaan Informasi pemegang Saham Tertentu Disclosure of Information on Certain Shareholders oJK 7282016 610DIr-CS2016 penyampaian Laporan Keuangan Interim Disclosure of Information on Certain Shareholders oJK 7282016 610aDIr-CS2016 penyampaian Bukti Iklan Informasi Laporan Keuangan Tengah Tahunan Submission of advertisement of Information on mid year Financial Statements oJK 7112016 1197CS-Ir2016 Laporan Bulanan registrasi pemegang efek Monthly registration of Securities holders oJK TRANSPARENCY IN SUBMITTING REPORT bank bjb always submits its report in accordance with Financial Services Authority Regulation Number 32POJK.03.2016 concerning Amendments of Financial Services Authority Regulation Number 6POJK.032015 concerning Transparency and Publication of Bank Reports. The transparency of report submission that has been done by bank bjb throughout 2016 is: AKSES INfORMASI infoRMaTion acceSS Laporan Tahunan 2016 660 Semakin Berkembang Bersama peluang Baru yang Membentang Tabel Transparansi Penyampaian laporan Table Transparency in submitting report Tanggal Date no surat register number Perihal subject Tujuan Objective 712016 564DIr-CS2016 Keterbukaan Informasi Yang perlu Diketahui publik revaluasi aset Tetap Disclosure of Information that should be acknowledged by public: Fixed asset revaluation oJK 692016 1020CS-Ir2016 Laporan Bulanan registrasi pemegang efek Monthly registration of Securities holders oJK 5102016 779CS-Ir2016 Laporan Bulanan registrasi pemegang efek Monthly registration of Securities holders oJK 4282016 329aDIr-CS2016 penyampaian Laporan Keuangan Interim Submission of Interim Financial Statements oJK 4282016 329DIr-CS2016 penyampaian Bukti Iklan Informasi Laporan Keuangan Interim Submission of advertisement of Information on Interim Financial Statements oJK 4222016 313DIr-CS2016 Keterbukaan Informasi Yang perlu Diketahui publik penyampaian akta risalah rupS Tahunan Tahun Buku 2015 Disclosure of Information that should be acknowledged by public: Submission of Deed of Minutes of annual GMS for financial year 2015 oJK 4152016 286DIr-CS2016 Keterbukaan Informasi Yang perlu Diketahui publik Laporan penggunaan Dana hasil penawaran umum per Maret 2016 Disclosure of Information that should be acknowledged by public: report of use of proceeds from public offering per March 2016 oJK 472016 569CS-Ir2016 Laporan Bulanan registrasi pemegang efek Monthly registration of Securities holders oJK 3282016 212DIr-CS2016 penyampaian Bukti Iklan hasil rupS Submission of advertisement of GMS results oJK 3282016 206DIr-CS2016 hasil rapat umum para pemegang Saham Tahunan results of annual General Meeting of Shareholders oJK 3102016 370CS-Ir2016 Laporan Bulanan registrasi pemegang efek Monthly registration of Securities holders oJK 312016 126DIr-CS2016 penyampaian laporan tahunan Submission of annual report oJK 312016 125DIr-CS2016 panggilan rapat umum pemegang Saham Tahunan Invitation of annual General Meeting of Shareholders oJK 312016 125aDIr-CS2016 penyampaian Bukti Iklan panggilan rupS Submission of advertisement of GMS Invitation oJK 2292016 124CS-Ir2016 penyampaian Laporan Keuangan Tahunan Submission of annual Financial Statements oJK 2292016 124aCS-Ir2016 penyampaian Bukti Iklan Informasi Laporan Keuangan Tahunan Submission of advertisement of Information on annual Financial Statements oJK 2152016 085CS-Ir2016 pemberitahuan rencana rapat umum pemegang Saham Tahunan notification plan of General Meeting of Shareholders oJK 292016 702CS-Ir2016 Laporan Bulanan registrasi pemegang efek Monthly registration of Securities holders oJK 182016 011DIr-CS2016 Keterbukaan Informasi Yang perlu Diketahui publik Laporan penggunaan Dana hasil penawaran umum Disclosure of Information that should be acknowledged by public: report of use of proceeds from public offering oJK 182016 027CS-Ir2016 Laporan Bulanan registrasi pemegang efek Monthly registration of Securities holders oJK 4292016 339DIr-CS2016 Laporan Dividen, CSr, dan Kinerja Dividend, CSr, and performance report pemegang Saham Serie a 832016 641DIr-CS2013 Laporan Kinerja performance report pemegang Saham Serie a 10242016 857DIr-CS2016 Laporan Kinerja performance report pemegang Saham Serie a 12272016 996DIr-CS2016 Keterbukaan Informasi Yang perlu Diketahui publik penerbitan MTn II bank bjb Tahun 2016 sebesar rp 1.189.000.000.000,- satu triliun seratus delapan puluh sembilan miliar rupiah Disclosure of Information that should be acknowledged by public: The issuance of bank bjb MTn II in 2016 amounting to rp 1,189,000,000,000, - one trillion one hundred and eighty-nine billion rupiah BeI AKSES INfORMASI infoRMaTion acceSS annual report 2016 661 Growing Together with new expanding opportunities Tabel Transparansi Penyampaian laporan Table Transparency in submitting report Tanggal Date no surat register number Perihal subject Tujuan Objective 1262016 2316CS-Ir2016 Laporan Bulanan registrasi pemegang efek perubahan Struktur pemegang Saham Monthly registration of Securities holders Changes in Shareholding Structure BeI 1272016 957DIr-CS2016 penjelasan atas Volatilitas explanation regarding Volatility BeI 11142016 0902DIr-CS2016 Laporan hasil pemeringkatan Tahunan reports of results of annual rating BeI 1142016 2072aCS-Ir2016 Laporan Bulanan registrasi pemegang efekperubahan Struktur pemegang Saham KoreKSI Monthly registration of Securities holders Changes in Shareholding Structure reVISeD BeI 1142016 2072CS-Ir2016 Laporan Bulanan registrasi pemegang efek perubahan Struktur pemegang Saham Monthly registration of Securities holders Changes in Shareholding Structure BeI 1122016 2040CS-Ir2016 Keterbukaan Informasi Yang perlu Diketahui publik peringkat nasional Jangka panjang bank bjb 2016 oleh pT Fitch Indonesia dengan peringkat aa - idnStable outlook Disclosure of Information that should be acknowledged by public: Long-Term national rating of bank bjb in 2016 by pT Fitch Indonesia with aa - idn rating Stable outlook BeI 10282016 2009CS-Ir2016 Keterbukaan Informasi pemegang Saham Tertentu Disclosure of Information on Certain Shareholders BeI 10182016 840DIr-Kp2016 perubahan Komite audit Changes in audit Committee BeI 10172016 834DIr-CS2016 penyampaian Bukti Iklan Informasi Laporan Keuangan Interim Submission of advertisement of Information on Interim Financial Statements BeI 10172016 834aDIr-CS2016 penyampaian Laporan Keuangan Interim Submission of Interim Financial Statements BeI 1072016 1805CS-Ir2016 Laporan Bulanan registrasi pemegang efek perubahan Struktur pemegang Saham Monthly registration of Securities holders Changes in Shareholding Structure BeI 992016 1650CS-Ir2016 Laporan Bulanan registrasi pemegang efek perubahan Struktur pemegang Saham Monthly registration of Securities holders Changes in Shareholding Structure BeI 8292016 701DIr-CS2016 perubahan Komite audit Changes in audit Committee BeI 842016 1363CS-Ir2016 Laporan Bulanan registrasi pemegang efek Monthly registration of Securities holders BeI 892016 1382aCS-Ir2016 Keterbukaan Informasi pemegang Saham Tertentu Disclosure of Information on Certain Shareholders BeI 892016 1382CS-Ir2016 Keterbukaan Informasi pemegang Saham Tertentu Disclosure of Information on Certain Shareholders BeI 832016 1355CS-Ir2016 Laporan hasil public Expose - Tahunan Submission of the results of annual public expose BeI 7282016 4312CS-Ir2016 penyampaian Materi Public Expose - Tahunan Submission of annual public expose Material BeI 7282016 1309CS-Ir2016 Keterbukaan Informasi pemegang Saham Tertentu Disclosure of Information on Certain Shareholders BeI 7282016 610aDIr-CS2016 penyampaian Laporan Keuangan Interim Submission of Interim Financial Statements BeI 7282016 610DIr-CS2016 penyampaian Bukti Iklan Informasi Laporan Keuangan Interim Submission of advertisement of Information on Interim Financial Statements BeI 7112016 1233CS-Ir2016 rencana penyelenggaraan Public Expose - Tahunan plan for annual public expose BeI 7102016 1197CS-Ir2016 Laporan Bulanan registrasi pemegang efek Monthly registration of Securities holders BeI 712016 564DIr-CS2016 Keterbukaan Informasi Yang perlu Diketahui publik revaluasi aset Tetap pT Bank pembangunan Daerah Jawa Barat dan Banten, Tbk. Disclosure of Information that should be acknowledged by public: Fixed assets revaluation of pT Bank pembangunan Daerah Jawa Barat dan Banten, Tbk. BeI AKSES INfORMASI infoRMaTion acceSS Laporan Tahunan 2016 662 Semakin Berkembang Bersama peluang Baru yang Membentang Tabel Transparansi Penyampaian laporan Table Transparency in submitting report Tanggal Date no surat register number Perihal subject Tujuan Objective 682016 1020CS-Ir2016 Laporan Bulanan registrasi pemegang efek Monthly registration of Securities holders BeI 592016 779CS-Ir2016 Laporan Bulanan registrasi pemegang efek Monthly registration of Securities holders BeI 4282016 329aDIr-CS2016 penyampaian Laporan Keuangan Interim Submission of Interim Financial Statements BeI 4282016 329DIr-CS2016 penyampaian Bukti Iklan Informasi Laporan Keuangan Interim Submission of advertisement of Information on Interim Financial Statements BeI 4222016 316DIr-CS2016 penjelasan atas pemberitaan Media Massa explanation regarding Mass Media Coverage BeI 4152016 288DIr-CS2016 Keterbukaan Informasi Yang perlu Diketahui publik Laporan penggunaan Dana penawaran umum per Maret 2016 Disclosure of Information that should be acknowledged by public: report of use of proceeds from public offering per March 2016 BeI 472016 569CS-Ir2016 Laporan Bulanan registrasi pemegang efek Monthly registration of Securities holders BeI 3282016 206aDIr-CS2016 Jadwal Dividen Tunai Cash Dividend Schedule BeI 3282016 212DIr-CS2016 penyampaian Bukti Iklan hasil rupS Submission of advertisement of GMS results BeI 3282016 206DIr-CS2016 hasil rapat umum para pemegang Saham Tahunan results of annual General Meeting of Shareholders BeI 3102016 370CS-Ir2016 Laporan Bulanan registrasi pemegang efek Monthly registration of Securities holders BeI 312016 125DIr-CS2016 panggilan rapat umum pemegang Saham Tahunan Invitation of annual General Meeting of Shareholders BeI 312016 126DIr-CS2016 penyampaian laporan tahunan Submission of annual report BeI 312016 125aDIr-CS2016 penyampaian Bukti Iklan panggilan rupS Submission of advertisement of GMS results BeI 2292016 124aCS-Ir2016 penyampaian Bukti Iklan Informasi Laporan Keuangan Tahunan Submission of advertisement of GMS results BeI 2292016 124CS-Ir2016 penyampaian Laporan Keuangan Tahunan Submission of annual report BeI 2152016 085DIr-CS2016 pemberitahuan rencana rapat umum pemegang Saham Tahunan notification plan of annual General Meeting of Shareholders BeI 292016 201CS-Ir2016 Keterbukaan Informasi Yang perlu Diketahui publik bank bjb menyatakan kesiapan pelunasan efek bersifat surat utang yaitu obligasi VII Seri B Disclosure of Information that should be acknowledged by public: bank bjb stated its readiness for repayment of debt securities i.e. VII Bonds B Series BeI 292016 702CS-Ir2016 Laporan Bulanan registrasi pemegang efek Monthly registration of Securities holders BeI 1252016 113CS-Ir2016 penjelasan atas pemberitaan Media Massa explanation regarding Mass Media Coverage BeI 182016 011DIr-CS2016 Keterbukaan Informasi Yang perlu Diketahui publik Laporan penggunaan Dana hasil penawaran umum Disclosure of Information that should be acknowledged by public: report of use of proceeds from public offering BeI 182016 027CS-Ir2016 Laporan Bulanan registrasi pemegang efek Monthly registration of Securities holders BeI AKSES INfORMASI infoRMaTion acceSS annual report 2016 663 Growing Together with new expanding opportunities coDe of conDucT CODE OF CONDUCT Kode etik adalah suatu sistem norma, nilai dan juga aturan profesional tertulis yang secara tegas menyatakan perbuatan apa saja yang benar atau salah, perbuatan apa yang harus dilakukan dan perbuatan apa yang harus dihindari. secara singkatnya definisi kode etik yaitu suatu pola aturan, tata cara, tanda, pedoman etis ketika melakukan suatu kegiatan atau suatu pekerjaan. bank bjb memandang penting dan memberikan perhatian yang khusus terhadap penerapan kode etik. Oleh sebab itu bank telah menetapkan Code of Conduct yang menjadi pedoman insan bank dalam membangun hubungan dengan para pemangku kepentingan stakeholders. Di samping itu, Kode etik merupakan salah satu perangkat yang ditetapkan Bank dalam menjaga dan meningkatkan integritas seluruh insan bjb pada kerangka penerapan Good Corporate Governance GCG sehingga pengimplementasiannya dapat dilakukan secara konsisten. ISI CODE OF CONDUCT Direksi melalui Surat Keputusan Direksi nomor 709SKDIR- KP2014 tanggal 07 Oktober 2014 tentang Etika Usaha dan Tata Perilaku Code of Conduct PT. Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk., kode etik bank bjb merupakan pedoman yang menjelaskan etika usaha dan tata perilaku insan bank bjb untuk melaksanakan praktik-praktik pengelolaan perusahaan yang baik. Di dalam pedoman tersebut bank bjb mengatur mengenai: 1. Standar Etika Usaha a. Etika Perusahaan dengan pegawai b. Etika Perusahaan dengan nasabah c. Etika Perusahaan dengan pesaing d. Etika Perusahaan dengan penyedia barangjasa e. Etika Perusahaan dengan stakeholder f. Etika Perusahaan dengan shareholder g. Etika Perusahaan dengan pemerintah h. Etika Perusahaan dengan masyarakat i. Etika Perusahaan dengan media massa j. Etika Perusahaan dengan organisasi profesi 2. Standar Tata Perilaku

a. Etika kerja sesama insan bank bjb b. Menjaga kerahasiaan data dan informasi perusahaan

c. Menjaga harta perusahaan d. Mencatat data dan pelaporan e. Menghindari benturan kepentingan dan penyalahgunaan jabatan f. Menerima hadiah atau fasilitas g. Menolak penerimaan hadiah atau fasilitas The code of ethics is a system of norms, values, and also professional rules which clearly states which actions are right or wrong, which actions should be done and which actions should be avoided.In short, the definition of a code of conduct is a pattern of rules, ordinances, signs, ethical guidelines in performing an activity or a job.Bjb considers it important and gives special attention to the implementation of the code of conduct.Therefore, the Bank has established a Code of Conduct that guides its employees in building relationships with stakeholders.In addition, the code of conduct is one of the instruments established by the Bank in maintaining and enhancing the integrity of all Bjb employees within the framework of Good Corporate Governance GCG implementation, so that its implementation can be conducted consistently. CONTENT OF CODE OF CONDUCT The Board of Directors via BOD Decree number 709SKDIR- KP2014 dated October 7, 2014 on Business Ethics and Conduct Code of Conduct PT.Regional Development Bank of West Java and Banten, Tbk. stated that the bjb code of conduct is a guideline that describes the business ethics and code of conduct for bjb employees to conduct practices of good corporate governance.Within those guidelines, bjb governs the following: 1. Standards of Business Ethics a. Business Ethics between Company and employee b. Business Ethics between Company and customer c. Business Ethics between Company and competitor d. Business Ethics between Company and supplier of goodsservices e. Business Ethics between Company and stakeholder f. Business Ethics between Company and shareholder g. Business Ethics between Company and government h. Business Ethics between Company and community i. Business Ethics between Company and mass media j. Business Ethics between Company and professional organization 2. Standard of Rules of Conduct

a. The work ethic among bjb employees b. Maintaining confidentiality of Company’s data, and

information. c. Maintaining Company’s assets d. Recording data and reporting e. Avoiding conflicts of interest and abuse of position f. Accepting gifts or perks g. Refusing acceptance of gifts or perks Laporan Tahunan 2016 664 Semakin Berkembang Bersama peluang Baru yang Membentang h. Memberi hadiah atau fasilitas i. Permintaan hadiah atau fasilitas j. Penyalahgunaan narkotika dan obat terlarang narkoba k. Tidak melanggar pakta integritas l. Aktivitas politik KEPATUHAN TERHADAP CODE OF CONDUCT Code of Conduct bank bjb menjadi standar perilaku yang wajar, patut dan dapat dipercaya untuk semua insan bank bjb dalam melaksanakan kegiatan usaha termasuk berinteraksi dengan pemangku kepentingan. Untuk itu, Kode etik bank bjb berlaku bagi seluruh insan bank bjb diseluruh jenjang organisasi. Penerapan pedoman kode etik bank bjb dilaksanakan secara terus menerus dan berkesinambungan dalam bentuk sikap, perbuatan, komitmen dan ketentuan mendukung terciptanya budaya perusahaan. PENYEBARLUASAN CODE OF CONDUCT Code of Conduct disosialisasikan melalui kegiatan-kegiatan sosialisasi yang dilaksanakan oleh Satuan Kerja Kepatuhan serta pada kesempatan pendidikan dan pelatihan oleh Satuan Kerja Kepatuhan. UPAYA PENERAPAN DAN PENEGAKAN CODE OF CONDUCT Code of Conduct dilaksanakan secara terus menerus dan berkesinambungan dalam bentuk sikap, perbuatan, komitmen dan ketentuan untuk mendukung terciptanya budaya perusahaan. Budaya perusahaan sendiri dibentuk melalui penetapan nilai-nilai perusahaan corporate value yang dituangkan ke dalam tagline GO SPIRIT untuk mempermudah pelaksanaanya. Oleh karenanya penerapan dan penegakan Code of Conduct secara tidak langsung dilaksanakan melalui pelaksanaan nilai-nilai perusahaan yang tertuang di dalam GO SPIRIT. h. Giving gifts or perks i. Demanding gifts or perks j. Not abusing narcotics and drugs k. Not violating the integrity pact l. Political activities COMPLIANCE TO CODE OF CONDUCT Bank bjb code of conduct becomes a standard of behavior that is reasonable, appropriate and reliable for all bjb employees in conducting business activities including in interacting with the stakeholders.To that end, the bank code of conduct applies to all bjb employees, including all levels of the organization. Application of bjb code of conduct guidelines is carried out continuously and sustainably in the form of attitudes, actions, commitments and provisions that support the creation of corporate culture. DISSEMINATION OF CODE OF CONDUCT Code of Conduct is disseminated through dissemination activities held by Compliance Work Unit and at education and training opportunity by the Compliance Work Unit EFFORT OF IMPLEMENTATION AND ENFORCEMENT OF CODE OF CONDUCT Code of Conduct is done continuously and sustainable in the form of attitude, action, commitment, and provision to support the creation of corporate culture. The corporate culture itself is created through establishing corporate values expressed in GO SPIRIT tagline to simplify the implementation. Therefore, the implementation and enforcement of Code of Conduct is indirectly done through implementation of corporate values expressed in GO SPIRIT. CODE Of CONDUCT coDe of conDucT annual report 2016 665 Growing Together with new expanding opportunities JENIS SANKSI PELANGGARAN KODE ETIK Tabel jenis sanksi Pelanggaran Kode etik Table Types of sanctions for Violations of code of ethics Tingkat sanksi sanction level jenis sanksi sanction Type Ganti Kerugian Compensation - Sanksi administratif ringan administrative Warning Sanctions • peringatan I, II, III • pernyataan Tidak puas • Sanctions I, II, III • unsatisfacory Statement Sanksi administratif Sedang administrative Sanction periodic • penundaan Gaji Berkala • penurunan Gaji Berkala Sebesar 1 Satu Kali Kenaikan Gaji Berkala • average Salary raise Delay • 1 one time during periodic Salary Increase Sanksi administratif Berat periodic Salary Decrease • penurunan Grade Setingkat Lebih rendah • penurunan Jabatan Setingkat Lebih rendah • pemberhentian Dengan hormat Tidak atas permintaan Sendiri sebagai pegawai • pemberhentian Dengan Tidak hormat Sebagai pegawai • heavy administrative Sanctions Decrease Grade to Lower Level • Demote to Lower Level position • honorable discharge on the request of the employees • Dishonorable discharge as an employee JUMLAH PELANGGARAN KODE ETIK Jumlah pelanggaran kode etik yang terjadi selama tahun 2016 adalah sebagai berikut. Tabel jumlah Pelanggaran Kode etik Table of number of Violations of code of ethics jenis sanksi yang Diberikan | Type of sanctions Given jumlah | Total Teguran Warning 11 peringatan I Warning I 8 peringatan III Warning III 12 pernyataan Tidak puas unsatisfactory Statement periodic 14 penundaan Kenaikan Gaji Berkala Salary Increase Delay 3 penurunan Gaji Berkala periodic Salary Decrease 3 penurunan Level Jabatan Decrease in Level position 5 pemberhentian Sebagai pegawai Dismissal of employee 12 TYPES OF SANCTIONS FOR VIOLATIONS OF CODE OF CONDUCT NUMBER OF VIOLATIONS OF CODE OF CONDUCT The number of code of ethics violations that occurred during the year 2016 is as follows CODE Of CONDUCT coDe of conDucT Laporan Tahunan 2016 666 Semakin Berkembang Bersama peluang Baru yang Membentang gRaTificaTion GRATIfIKASI Program Pengendalian Gratifikasi merupakan kerja sama yang dilakukan antara bank bjb dengan Komisi Pemberantasan Korupsi Republik Indonesia, bank bjb adalah Bank pertama di Indonesia yang melakukan kerja sama dengan KPK terkait Program Pengendalian Gratifikasi, adapun penerapan Program Pengendalian Gratifikasi diawali dengan penerapan budaya perusahaan yang didalamnya terdapat tata nilai atau nilai-nilai utama yang menjadi corporate value bank bjb. Program Pengendalian Gratifikasi adalah sekumpulan perangkat dan rangkaian kegiatan serta mekanisme pengendalian gratifikasi secara berkesinambungan guna menjaga integritas pegawai dari praktik gratifikasi yang dilarang. Dalam mewujudkan komitmen Program Pengendalian Gratifikasi maka corporate value bank bjb dijabarkan dalam bentuk code of conduct etika usaha dan tata perilaku untuk menjadi acuan perilaku bagi Dewan Komisaris, Direksi dan seluruh pegawai bank bjb dalam mengelola perusahaan guna mencapai visi, misi dan tujuan perusahaan. Salah satu etika perilaku yang terdapat pada code of conduct yaitu standar etika untuk menghindari benturan kepentingan penanganan benturan kepentinganconflict of interest dan penyalahgunaan jabatan serta etika untuk tidak menerima gratifikasi dalam bentuk apapun yang berhubungan dengan jabatan. Berdasarkan hasil pertemuan dengan KPK diketahui bahwa dalam penerapan Program Pengendalian Gratifikasi di Lingkungan bank bjb, pihak KPK menyatakan bahwa bank bjb merupakan pioneer penerapan Program pengendalian gratifikasi disektor perbankan, serta pengelolaan terhadap pengendalian gratifikasi, perluasan LHKPN maupun Whistleblowing system yang sudah sangat baik, hal tersebut dibuktikan dengan beberapa lembaga yang melakukan studi banding mengenai penerapan Program Pengendalian Gratifikasi di bank bjb, diantaranya Kementerian Keuangan, Kementerian Hukum dan Hak Asasi Manusia, Otoritas Jasa Keuangan, Bank Mandiri, Bank BNI dll, serta pemberian penghargaan oleh Komisi Pemberantasan Korupsi Republik Indonesia kepada Unit Pengendalian Gratifikasi dalam kegiatan Hari Anti Korupsi Internasional dan kegiatan lainnya, dengan keterangan sebagai berikut: • BUMND dengan Sistem Pengendalian Gratifikasi Terbaik • Apresiasi atas tingginya Tingkat Kepatuhan dan Tingkat Keaktifan Pengelolaan LHKPN • Pengelolaan LHKPN Terbaik Pemerintah DaerahDPRD BUMD se-Provinsi Jawa Barat Tahun 2016 Gratification Control Program is a cooperation between The Company and the Corruption Eradication Commission of the Republic of Indonesia KPK; bank bjb is the first bank in Indonesia to cooperate with the Commission in relation to Gratification Control Program.The application of Gratification Control Program begins with the application of corporate culture in which there are values or main values that become bank bjb corporate’s value. Gratification Control Program is a collection of instruments and a series of activities as well as a sustainable control mechanism of gratification in order to maintain employee’s integrity from prohibited gratification practices. In fulfilling the commitment Gratification Control Program, The Company corporate values are translated in the form of business ethics and code of conduct, and act as the benchmark of conduct for commissioners, directors and all The Company employees to achieve the company’s vision, mission and objectives. One of ethical conducts stated in the code of conduct is standard of ethics to avoid conflicts of interest and the abuse of office and ethics. I.e. not to accept gratuities of any kind associated with one’s position. Based on the meeting with the Commission, it is understood that the application of Gratuity Control program within bjb Working Environmental, the Commission stated that the bjb is a pioneer in the application of Gratuity Control program within the banking industry. The management of gratification control, LHKPN expansion and Whistleblowing system have been running well. The above mentioned is proven by comparative study conducted by several institutions on the application of Gratification Control Program in bjb, including studies by the Ministry of Finance, Ministry of Justice and Human Rights, the Financial Services Authority, Bank Mandiri, Bank BNI, etc., as well as awards given by the Corruption Eradication Commission of the Republic of Indonesia to the Gratuity Control Unit in the International Anti-Corruption Day activities and other activities, with the following information: • SOEROE with Best Gratification Control Systems • Appreciation for the high level of compliance and participation LHKPN • LHKPN Management achieved an award for the Best enterprises from the Regional GovernmentLocal ParliamentWest Java province in 2016. annual report 2016 667 Growing Together with new expanding opportunities PENGELOLAAN PENGENDALIAN GRATIFIKASI Program pengendalian gratifikasi terdiri dari pembuatan perangkat aturan tentang pengendalian gratifikasi, perluasan harta kekayaan pegawai, tata kerja pelaporan pengaduan whistleblowing system, etika usaha dan tata perilaku code of conduct pembentukan organisasi yang mengelola pengendalian gratifikasi, kegiatan sosialisasidiseminasi tentang aturan pengendalian gratifikasi dan peningkatan kesadaran individu dan organisasi tentang gratifikasi serta implementasi pengelolaan pelaporan penerimaan gratifikasi yang berkoordinasi dengan pihak KPK. SOSIALISASI GRATIFIKASI Kegiatan sosialisasidiseminasi Program Pengendalian Gratifikasi sepanjang tahun 2016 telah dilaksanakan baik secara langsung ke Unit Kerja bank bjbpegawai bank bjb ataupun secara tidak langsung melalui media. Dalam kegiatan diseminasi aturan pengendalian gratifikasi tersebut telah dilaksanakan kegiatan Penandatangan Kontrak Komitmen untuk tidak menerima atau memberikan gratifikasi dalam bentuk apapun yang berhubungan kedudukan atau jabatan oleh para stakeholder bank bjb antara lain Direksi, Dewan Komisaris, Pegawai, Nasabah, dan Mitra Kerja vendorsupplier. LAPORAN GRATIFIKASI TAHUN 2016 Dalam implementasi pengelolaan pelaporan gratifikasi selama tahun 2016 telah diterima sebanyak 134 laporan penerimaan gratifikasi senilai Eq Rp83.4 juta yang mana sebanyak 49 laporan senilai eq Rp19.8 juta menjadi penanganan bank bjb dalam penetapan status gratifikasi yang diterima. MANAGEMENT CONTROL OF GRATIFICATION The gratification control program consists of setting up the rules on control of gratification, expansion of employees’ wealth, working procedures for reporting complaints whistleblowing system, business ethics and codes of conduct of the organization establishment that manages the control of gratification, dissemination of control rules gratuities and increasing individuals and organization awareness on gratification, as well as management implementation on reporting gratification in coordination with the Corruption Eradication Commission KPK. DISSEMINATION OF GRATIFICATION Dissemination activities of Gratification Control Program throughout 2016 were carried out both directly at the Company Working Unit employees or indirectly via various instruments. During the activities of disseminating gratification control rules, the Bank has signed a commitment contract not to receive from stakeholders or to give stakeholders of any kind gratuities related to one’s authority or positions, and these apply onto Directors, Commissioners, Employees, Customers, and Partners vendorssuppliers. GRATIFICATION REPORT 2016 During the 2016 implementation of management reporting gratification, there have been as many as 134 reports on gratification with the value of IDR83.4 millions, of which as many as 49 reports worth the value of IDR eq.19.8 millions is under management in determining the received status of gratification. GRATIfIKASI gRaTificaTion