Peningkatan Pertumbuhan Penyaluran Kredit yang Berkualitas

bank bjb Lapor an Tahunan 20 15 Annual Repor t St ock Obligat ion Highlight s Management Discussion Analysis Good Cor por at e Gover nance Cor por at e Social Responsibilit y Consolidat ed Financial St at ement s Cor por at e Dat a 221 kr edit t er sebut ber ada unt uk memper mudah pelayanan dan monit or ing. 2. Penyelamat an dan penyelesaian kr edit dilakukan dengan upaya-upaya: a. Penyelamat an kr edit r est r uct ur e, r eschedule, r econdit ion. b. Penyelesaian kr edit dengan car a meningkat kan penagihan dan f okus pada per baikan NPL dengan pener apan ear ly war ning syst em dan upaya per cepat an eksekusi agunan melalui lelang KPKNL balai lelang swast a penjualan sukar ela, hapus buku, klaim asur ansi, lawyer dan inst ansi yang ber wenang. c. Memper t ahankan kualit as kr edit . - Pengelolaan Non Per f or ming Loan melalui pemant auan kolekt ibilit as pada set iap unit bisnis pengelola kr edit . - Meningkat kan kualit as kajian t er hadap r isiko kr edit sebagai upaya unt uk mengendalikan r isiko kr edit .

C. Peningkatan Fee Based Income untuk Mendukung Pencapaian Target Laba Bank

1. Peningkat an pendapat an t r ansaksi t r easur y dan Int er nat ional Banking, melalui: a. Peningkat an volume t r ansaksi melalui t r ansaksi sales nasabah. b. Enhancement yield inst r ument t r easur y dengan t et ap memper hat ikan r isiko pasar . c. Peningkat an t r ansaksi r emit t ance, t r ade f inance and ser vice. d. Penambahan agen r emit ansi bar u di luar neger i dan ker ja sama dengan inst ansi-inst ansi ser t a or ganisasi yang mendukung peningkat an t r ansaksi t r ade dan r emit ansi. e. Peningkat an hubungan kor esponden secar a kuant it as maupun kualit as melalui pengembangan ker ja sama exist ing maupun ker ja sama yang bar u t er cipt a. 2. Pengembangan jasa t r ansaksi per bankan a. Peningkat an f ee based melalui peningkat an t r ansaksi payment , t r ansf er , t ar ik t unai dan lain- lain. b. Peningkat an layanan pr oduk Wealt h Management dan Bancassur ance. c. Peningkat an penjualan kar t u kr edit bank bjb. domicile t o f acilit at e ser vice and monit or ing. 2. Ef f or t s of cr edit r edempt ion and set t lement as f ollows: a. Cr edit r edempt ion r est r uct ur e, r eschedule, r econdit ion. b. Cr edit set t lement by incr easing collect ing and f ocus on NPL impr ovement wit h implement at ion of ear ly war ning syst em and ef f or t t o acceler at e collat er al execut ion t hr ough KPKNL t ender pr ivat e auct ion house volunt ar y sales, book set - of f , insur ance claim, lawyer and t he compet ent inst it ut ion. c. Maint ain cr edit qualit y. - Non-Per f or ming Loan Management t hr ough collect abilit y monit or ing in each cr edit manager business unit . - Incr ease r eview st udy over cr edit r isk as an ef f or t t o cont r ol cr edit r isk.

C. Increase of Fee Based Income to Support Bank Prof its Target Achievement

1. Incr ease of t r easur y t r ansact ion r evenue and Int er nat ional Banking, t hr ough: Incr ease of t r ansact ion volume t hr ough cust omer sales t r ansact ion. b. Enhancement yield inst r ument t r easur y by r emain consider ing mar ket r isk. c. Incr ease of r emit t ance t r ansact ion, t r ade f inance and ser vice. d. Addit ional new remit t ance agent over seas and cooper at e wit h inst it ut ions and or ganizat ions t hat ar e suppor t ing incr ease of t r ade and r emit t ance t r ansact ion. e. Quant it y and qualit y cor r espondence r elat ion impr ovement t hr ough bot h t he exist ing and new cr eat ed cooper at ion development . 2. Banking t r ansact ion ser vice development . a. Fee based incr ease t hr ough t he incr ease of payment t r ansact ion, t r ansf er , cash wit hdr awal and ot her s. b. Pr oduct ser vice impr ovement of Wealt h Management and Bancassur ance. c. Incr ease of bank bjb cr edit car d sales.