139
bank bjb
Annual Report 2014
4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance
Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ
POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data
CORPORATE COMMERCIAL
B. Produk Andalan
Selain fokus pada sektor usaha tertentu, bank bjb juga
NFOFUBQLBOGPLVTQBEBKFOJTQFNCJBZBBOZBOHEJKBEJLBO BOEBMBO VOUVL UBIVO J BOUBSBOZB BEBMBI ,SFEJU
Modal Kerja KMK Konstruksi. KMK diberikan kepada QFSVTBIBBOQFNCJBZBBO
1JOKBNBOBMBNFHFSJ 1
dan Garansi Bank.
C. Jaringan
Perusahaan juga membuka jaringan kantor di Jakarta ZBOH NFSVQBLBO TFOUSB LFVBOHBO EBO JOEVTUSJ EJ
OEPOFTJB BM JOJ EJMBLVLBO EBMBN SBOHLB NFNQFSMVBT EBZB KBOHLBV UFSIBEBQ OBTBCBI
TFIJOHHB EJIBSBQLBO
NBNQVNFOHPQUJNBMLBOLJOFSKB1FSVTBIBBO
LIVTVTOZB
terkait dengan nasabah korporasi dan kredit komersial.
KINERJA BISNIS
Untuk memenuhi kebutuhan pendanaan dunia usaha, bank
bjb
NFNJMJLJCJTOJTZBOHCFSHFSBLEJCJEBOHQFOZBMVSBOEBOB BUBVQFNCJBZBBOLFQBEBTFHNFOVTBIBLPSQPSBTJ,FHJBUBO
UFSTFCVUEJMBLVLBONFMBMVJEVBQSPEVL
ZBJUV cash loan dan
non cash loan. Produk
cash loan terdiri dari kredit modal kerja dan kredit investasi. Sedangkan untuk produk
non cash loan adalah MBZBOBO QFOFSCJUBO BSBOTJ BOL VOUVL QSPZFLQSPZFL
pemerintah maupun swasta. Melalui kegiatan ini, bank bjb
berharap dapat meningkatkan fee based income bank
bjb.
Pada tahun 2014, kontribusi kredit Korporasi dan Komersial NFODBQBJ
UFSIBEBQ UPUBM QFOZBMVSBO LSFEJU PMFI
bank bjb. Kondisi tersebut mengalami sedikit perlambatan
EJCBOEJOHUBIVOZBJUVTFCFTBS 4JUVBTJZBOHBMBNJPMFICBOL
bjb
UFSTFCVUEJBOUBSBOZBBLJCBU UFLBOBO FLTUFSOBM
ZBJUV LPOEJTJ QFSFLPOPNJBO EBO EVOJB
VTBIBZBOHTFDBSBVNVNTFEBOHNFOHBMBNJQFSMBNCBUBO Sedangkan dari sisi internal, Perusahaan juga sedang fokus
pada perbaikan proses kredit. Secara umum, kondisi tersebut juga terjadi pada perbankan,
termasuk bank kategori BPD. Seperti terungkap pada data 4UBUJTUJL 1FSCBOLBO OEPOFTJB
LSFEJU ZBOH EJTBMVSLBO 1
terhadap pihak ketiga juga mengalami perlambatan. Jika pada tahun 2013 tumbuh 20,88 dibandingkan tahun 2012,
EJUBIVOKVTUSVIBOZBNFOJOHLBU
EJCBOEJOHLBO tahun 2013.
B. Featured Product
OBEEJUJPOUPGPDVTJOHPOTQFDJmDCVTJOFTTTFDUPST
CBOL
bjb
BMTPTFUTUIFGPDVTPOUIFUZQFPGmOBODJOHGFBUVSFE in 2014, among others the Construction Working Capital
-PBOT ,.,
,., BSF HJWFO UP mOBODJOH DPNQBOJFT PNFTUJDMPBOT 1
BOEBOLVBSBOUFF
C. Network
5IFPNQBOZPQFOFEBOPGmDFOFUXPSLJO+BLBSUB
XIJDI JTUIFDFOUSFPGmOBODFBOEJOEVTUSZJOOEPOFTJB5IJTJT
performed in order to expand access to customers, and JT FYQFDUFE UP PQUJNJ[F UIF PNQBOZT QFSGPSNBODF
QBSUJDVMBSMZ SFMBUFE UP DPSQPSBUF BOE DPNNFSDJBM MPBOT customers.
BUSINESS PERFORMANCE
5P NFFU UIF mOBODJOH OFFET PG CVTJOFTT
CBOL
bjb is
FOHBHFE JO UIF EJTUSJCVUJPO PG GVOET PS mOBODJOH UP UIF corporate business segment. Activities are carried out through
UXPQSPEVDUT
OBNFMZDBTIMPBOBOEOPODBTIMPBO The cash loan product consists of working capital loans and
investment loans. As for the non-cash loan product is the service to issue Bank Guarantee for government or private
projects. Through these activities, bank bjb hopes to increase
UIFPNQBOZTGFFCBTFEJODPNF In 2014, the contribution of Corporate and Commercial loans
reached 13.77 of bank bjb total loans. This is a slight
TMPXEPXO DPNQBSFE UP UIF ZFBS XIJDI BNPVOUFE UP 15.37.
This situation among others was due to external pressures, OBNFMZUIFDPOEJUJPOPGUIFFDPOPNZBOEUIFCVTJOFTTXPSMEJO
general which are experiencing a slowdown. Meanwhile from UIFJOUFSOBMTJEF
UIFPNQBOZJTBMTPGPDVTJOHPOJNQSPWJOH
its credit process. In general, these conditions also occur in other banks,
JODMVEJOH CBOLT JO UIF DBUFHPSZ PG 3FHJPOBM 3VSBM BOL BPD. As revealed in Banking Statistics Indonesia data,
MPBOTEJTUSJCVUFECZ1UPUIJSEQBSUJFTBMTPFYQFSJFODFEB TMPXEPXOGJOJUHSFXCZDPNQBSFEUPUIFZFBS
JOJUPOMZJODSFBTFECZDPNQBSFEUPUIF ZFBS
140
bank bjb
Laporan Tahunan 2014
LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan
5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO
-BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO
Di bank bjb, posisi kredit kelolaan Divisi Korporasi dan
,PNFSTJBM IJOHHB BLIJS FTFNCFS TFCFTBS 3Q triliun atau 13,77 dari total kredit bank
bjb
ZBOHNFODBQBJ 3Q
USJMJVO JCBOEJOHLBO EFOHBO UBIVO ZBOH
TFCFTBS3Q
USJMJVO
CFSBSUJNFOHBMBNJQFOVSVOBO BSJ TJTJ LPOUSJCVTJ UFSIBEBQ UPUBM QFOZBMVSBO LSFEJU CBOL
bjb
CFTBSBOOZBBEBMBI
MFCJISFOEBIEJCBOEJOHLBO kontribusi tahun 2013.
FSJLVUJOJUBCFMQFNCJBZBBOLSFEJUVOUVLEVBUBIVOUFSBLIJS
3QNJMJBS
Jenis Kredit 2014
2013 Perubahan
Change Credit Type
KIU Sindikasi 1.084.327
758.008 43,05
,64ZOEJDBUJPO ,1JOKBNBOBMBNFHFSJ
580.831 KI Loan Domestic
KMKK 1.870.274
KMKK KI PDAM
12.831 KI PDAM
,,TTFUVZ
-45,45
,,TTFUVZ ,.,61FSVTBIBBO1FNCJBZBBO
KMKU - Financing Companies
,.,63
-11,52
,.,63
KMKU Sindikasi 181.101
270.773 -33,12
,.,64ZOEJDBUJPO
KIU Sindikasi -10,32
,64ZOEJDBUJPO
KMKU KMKU
Jumlah 6.842.302
6.983.930 -2,03
Total
1FOVSVOBOQFOZBMVSBOLSFEJULPSQPSBTJEBOLPNFSTJBMUFSKBEJ pada skim kredit modal kerja umum dan kredit investasi
umum. Sementara skim kredit lain tetap tumbuh pada kisaran EFOHBO SJODJBO LSFEJU NPEBM LFSKB LPOTUSVLTJ
LSFEJU JOWFTUBTJ QJOKBNBO EBMBN OFHFSJ kredit investasi sindikasi 43,05.
Untuk kredit bermasalah atau PO 1FSGPSNJOH -PBO 1-
bruto kredit korporasi dan komersial hingga akhir Tahun VLV
ZBOHEJLFMPMBPMFICBOL
bjb sebesar 11,3. Jika
EJCBOEJOHLBO EFOHBO UBIVO ZBOH
NFOHBMBNJ QFOJOHLBUBO
Sedangkan untuk kinerja pemberian garansi sepanjang tahun OJMBJOZBNFODBQBJ3Q
USJMJVOBSJKVNMBIUFSTFCVU
LPNQPTJTJ HBSBOTJ ZBOH NFOHHVOBLBO NBUB VBOH SVQJBI NFODBQBJ
TJTBOZB NFOHHVOBLBO NBUB VBOH EPMBS
AS. In bank
bjb, the position of credit under the management of the
Corporate and Commercial Division until the end of December BNPVOUFE UP 3Q USJMMJPO PS PG UIF BOLT
UPUBMDSFEJUXIJDISFBDIFE3QCJMMJPOPNQBSFEUPUIF ZFBSXIJDIBNPVOUFEUP3QUSJMMJPO
UIJTNFBOTB
decrease of 2.03. In terms of the contribution to bank bjb’s
total loan, the amount was 15.37, lower than the contribution in 2013.
5IFGPMMPXJOHJTUIFUBCMFPGDSFEJUmOBODJOHGPSUIFMBTUUXP ZFBST
3QCJMMJPO
The decline in corporate and commercial lending occurred within the general working capital credit and public investment
credit schemes. Meanwhile other credit schemes continue to HSPXJOUIFSBOHFPGUP
XJUIEFUBJMTDPOTUSVDUJPO
XPSLJOH DBQJUBM
JOWFTUNFOU DSFEJU EPNFTUJD MPBOT BOETZOEJDBUFEJOWFTUNFOUDSFEJU
As for the gross corporate and commercial non-performing MPBOT 1-
CZUIFFOEPGJTDBM:FBSNBOBHFECZUIF
bank bjb
XBT BU UIF MFWFM PG
OBNFMZ BO JODSFBTF PG XIFODPNQBSFEUPUIFJO
As for the performance of guarantee provision throughout UIFWBMVFBNPVOUFEUP3QUSJMMJPO0GUIFOVNCFS
UIF DPNQPTJUJPO PG UIF HVBSBOUFF EFOPNJOBUFE JO 3VQJBI reached 75.45, the rest was denominated in US Dollar.
KORPORASI KOMERSIAL
141
bank bjb
Annual Report 2014
4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance
Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ
POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data
CORPORATE COMMERCIAL
BSJ TJTJ KFOJT
TFCBHJBO CFTBS BUBV
EJHVOBLBO untuk kategori Garansi Bank Pelaksanaan. Terbesar kedua
EJTBMVSLBOVOUVLBSBOTJBOL1FNFMJIBSBBOZBOHNFODBQBJ BUBVTFOJMBJ3Q
NJMJBS
FSJLVUJOJSJODJBOQFOZBMVSBOEBOBHBSBOTJTFQBOKBOHUBIVO
Jenis Garansi IDR
USD Total IDR
Guaratee Type
Garansi Bank Tender Bank Guarantee
Garansi Bank Pelaksanaan Bank Guarantee Implementation
BSBOTJBOL6BOH.VLB1SPZFL
113.287.078.308 Bank Guarantee Project Advances
Garansi Bank Pemeliharaan Bank Guarantee Maintenance
BSBOTJBOL1FNCBZBSBOBOEJOH 1BZNFOUBOLVBSBOUFF-FUUFS
Garansi Bank Sanggahan Banding Bank Guarantee Disclaimer Appeal
Total Total
RENCANA 2015
0UPSJUBT +BTB ,FVBOHBO NFNQFSLJSBLBO LJOFSKB QFOZBMVSBO EBOBBUBVLSFEJUZBOHEJLVDVSLBOPMFIQFSCBOLBOBLBOUVNCVI
EJ BUBT QBEB UBIVO 4BMBI TBUV QFOEPSPOHOZB adalah rencana realisasi kebijakan pemerintah di bidang
JOGSBTUSVLUVS 0QUJNJTNF KVHB EBUBOH EBSJ QFNFSJOUBI
ZBOH menargetkan pertumbuhan ekonomi pada tahun 2015 sebesar
MFCJIUJOHHJEBSJSFBMJTBTJUBIVOZBOH Dengan asumsi tersebut, bank
bjb menargetkan pertumbuhan
kredit komersial mencapai 15. Untuk mencapai target tersebut serta sebagai evaluasi terhadap kinerja tahun 2014,
sejumlah strategi usaha telah disusun. Berikut ini beberapa di BOUBSBOZB
1. Meningkatkan penagihan dan fokus pada perbaikan 1-EFOHBOQFOFSBQBO
early warning system EBOVQBZB
QFSDFQBUBOFLTFLVTJBHVOBONFMBMVJMFMBOH,1,-CBMBJ lelang swastapenjualan sukarela, termasuk penjajakan
hapus buku dan hapus tagih, klaim asuransi dan lawyer.
PLVTQBEBQFOJOHLBUBOFLTQBOTJLSFEJUZBOHCFSLVBMJUBT dengan memperhatikan asas
prudential banking. OUFSNTPGUZQFT
NPTUPSJTVTFEJOUIFDBUFHPSZPG
Implementation Bank Guarantee. The second largest was channelled for Bank Guarantee Maintenance which reached
PSXPSUI3QCJMMJPO FSFBSFUIFEFUBJMTPGUIFEJTUSJCVUJPOPGGVOETGPSHVBSBOUFF
UISPVHIPVU
2015 PLAN
5IFJOBODJBM4FSWJDFTVUIPSJUZFTUJNBUFTUIFQFSGPSNBODFPG UIFEJTUSJCVUJPOPGGVOETPSDSFEJUEJTCVSTFECZCBOLTXJMMHSPX
PWFSJO0OFPGUIFESJWFTJTUIFQMBOUPSFBMJ[FUIF HPWFSONFOUQPMJDZJOUIFmFMEPGJOGSBTUSVDUVSF0QUJNJTNBMTP
came from the government who targeted economic growth of 5.7 in 2015, higher than the realization in 2014 which was
5.02. Based on these assumptions, bank
bjb targeted commercial
credit growth of 15. To achieve this target as well as an evaluation of the 2014 performance, a number of business
TUSBUFHJFTXFSFQSFQBSFE
JODMVEJOHUIFGPMMPXJOH NQSPWFDPMMFDUJPOTBOEGPDVTPOJNQSPWJOH1-XJUIBO
FBSMZ XBSOJOH TZTUFN BOE UIF JNQMFNFOUBUJPO PG FGGPSUT UP BDDFMFSBUF UIF FYFDVUJPO PG DPMMBUFSBM UISPVHI ,1,-
BVDUJPOTQSJWBUF BVDUJPOTWPMVOUBSZ TBMFT
JODMVEJOH XSJUF off and charge off assessments, insurance claims and
MBXZFST PDVT PO JNQSPWJOH UIF RVBMJUZ PG DSFEJU FYQBOTJPO XJUI
regard to the principle of prudential banking.
142
bank bjb
Laporan Tahunan 2014
LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan
5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO
-BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO
KORPORASI KOMERSIAL
1FOZFNQVSOBBOQSPTFTEBONPEFMCJTOJTEJCJEBOHLSFEJU sesuai dengan konsep
four eyes principle 4. Memperkuat
Risk Management di bidang Kredit dan Administrasi kredit Bisnis Legal untuk mendukung
pencapaian ekspansi kredit. 5. Mempercepat
Service Level Agreement SLA perkreditan. 3. Completion of the business process and model in the
mFMEPGDSFEJUJOBDDPSEBODFXJUIUIFDPODFQUPGGPVSFZFT principle.
4USFOHUIFO 3JTL .BOBHFNFOU JO SFEJU BOE SFEJU Administration Business Legal to support the
achievement of credit expansion. 5. Accelerate Service Level Agreement SLA of credit.
143
bank bjb
Annual Report 2014
4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance
Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ
POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data
CORPORATE COMMERCIAL
144
bank bjb
Laporan Tahunan 2014
LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan
5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO
-BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO
MIKRO
MICRO
145
bank bjb
Annual Report 2014
4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance
Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ
POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data
,SFEJU NJLSP TFTVBJ EFOHBO EFmOJTJ BOL OEPOFTJB TFQFSUJ tercantum dalam Peraturan Bank Indonesia PBI tahun 2012,
NFSVQBLBOLSFEJUZBOHEJCFSJLBOLFQBEBQFMBLVVTBIBZBOH memenuhi kriteria usaha mikro.
JOHHB UBIVO MBMV
BOL OEPOFTJB NFODBUBU KVNMBI QFNCJBZBBO QFSCBOLBO LFQBEB TFLUPS NJLSP CBSV TFLJUBS
EBSJUPUBMLSFEJUQFSCBOLBOFOHBOEFNJLJBO
TFKBUJOZB masih terdapat peluang bagi bank untuk meningkatkan
QFOZBMVSBOLSFEJUNJLSP Bisnis mikro merupakan bagian dari unit usaha dengan
kategori usaha kecil dan menengah. Kelompok usaha ini sangat rentan terhadap situasi eksternal, terutama kinerja
perekonomian nasional. 4FQBOKBOHUBIVO
TFEJLJUOZBBEBEVBQFSJTUJXBQFOUJOH
ZBOHNFNQFOHBSVIJLJOFSKBVTBIBLBUFHPSJNJLSPTFSUBVTBIB NFOFOHBI
LFDJM
EBONJLSP 6.,.
QBEBVNVNOZB:BLOJ
kenaikan tarif dasar listrik dan kenaikan harga bahan bakar NJOZBLCFSTVCTJEJ
Kenaikan tarif listrik dan BBM ikut mendorong peningkatan CJBZB QSPEVLTJ EBO EJTUSJCVTJ LFMPNQPL VTBIB NJLSP
.JDSP DSFEJU JO BDDPSEBODF XJUI UIF EFmOJUJPO BT TUBUFE JO BOLOEPOFTJB3FHVMBUJPO 1
JOSFQSFTFOUTUIFMPBOT
UPCVTJOFTTQMBZFSTXJUIJOUIFDSJUFSJBPGNJDSPFOUFSQSJTF
6OUJMMBTUZFBS
BOLOEPOFTJBSFDPSEFE
UIFOVNCFSPGCBOL mOBODJOHUPUIFNJDSPTFDUPSXBTPOMZBSPVOEPGUIF
total bank credit. Thus, there is still room for banks to increase micro credit.
The micro business is a part of the small and medium enterprises CVTJOFTTVOJU5IJTCVTJOFTTHSPVQJTHSFBUMZWVMOFSBCMFUPUIF
FYUFSOBMTJUVBUJPO
QBSUJDVMBSMZUIFQFSGPSNBODFPGUIFOBUJPOBM FDPOPNZ
Throughout 2014, there were at least two important events that BGGFDU UIF QFSGPSNBODF PG UIF CVTJOFTT XJUIJO UIF DBUFHPSZ
of micro business as well as the medium, small and micro FOUFSQSJTFT .4.
JO HFOFSBM
OBNFMZ
UIF JODSFBTF JO
FMFDUSJDJUZCBTJDUBSJGGBOEUIFSJTFPGTVCTJEJ[FEGVFMQSJDFT 5IFJODSFBTFJOFMFDUSJDJUZUBSJGGBOEGVFMQSJDFTDPOUSJCVUFEUP
the increase in the cost of production and distribution of micro
146
bank bjb
Laporan Tahunan 2014
LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan
5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO
-BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO
4FNFOUBSBQBEBMBJOTJTJ
EBZBCFMJNBTZBSBLBUKVHBNFMFNBI Bisnis perbankan juga ikut terpengaruh dengan kondisi
UFSTFCVUBUB4UBUJTUJL1FSCBOLBOOEPOFTJBZBOHEJLFMVBSLBO oleh Bank Indonesia mengungkapkan bahwa total baki
EFCFU LSFEJU NJLSP QBEB UBIVO NFODBQBJ 3Q USJMJVO
UVNCVI
1BEB UBIVO
QFSUVNCVIBOOZB
mencapai 21,25. Pada saat bersamaan, kredit bermasalah atau
PO1FSGPSNJOH Loan
1-
LSFEJU NJLSP QBEB QFSCBOLBO EJ OEPOFTJB KVHB meningkat, dari 3,24 pada tahun 2013 menjadi 3,34 pada
tahun 2014. BSJ TJTJ JOUFSOBM
IBNCBUBO ZBOH EJBMBNJ PMFI CBOL
bjb
UFSNBTVLLPOEJTJPSHBOJTBTJ1FSVTBIBBOZBOHUJEBLNBLTJNBM NFOHJOHBUBEBOZBLFOEBMBUFSLBJUEFOHBOLFQVUVTBOSFHVMBUPS
terhadap sejumlah anggota Direksi di bank bjb. Kondisi ini
tentu sangat berpengaruh terhadap kinerja usaha Perusahaan
STRATEGI
BMBN TJUVBTJ ZBOH LVSBOH NFOEVLVOH JUV
TFKVNMBI MBOHLBI TUSBUFHJ UFMBI EJMBLTBOBLBO QBEB UBIVO
ZBOH
LFNVOHLJOBO JNQMJLBTJ QPTJUJGOZB KVTUSV CBSV CJTB EJSBTBLBO TFUFMBIUBIVOEBQVOTFKVNMBIJOJTJBUJGZBOHUFSFBMJTBTJ
QBEBUBIVO
EJBOUBSBOZB
A Reorganisasi
Perusahaan telah mengembangkan divisi mikro menjadi JSFLUPSBU .JLSP CFSEBTBSLBO 3BQBU 6NVN 1FNFHBOH
4BIBN -VBS JBTB ZBOH EJTFMFOHHBSBLBO QBEB FTFNCFSBMJOJEJMBLVLBOTFCBHBJCVLUJLFTFSJVTBO
pemegang saham untuk memperbaiki dan meningkatkan LJOFSKB
EJ BOUBSBOZB LSFEJU NJLSP EBO PO1FSGPSNJOH
Loan 1-
BMBNPSHBOJTBTJJSFLUPSBU.JLSP
EJCBHJEVBEJWJTJ
ZBJUV 1. Divisi Kredit Mikro
2. Divisi Kredit Lembaga Keuangan Mikro 1FSVCBIBOTUSVLUVSJWJTJ1FOZFMBNBUBOEBO1FOZFMFTBJBO
,SFEJU 11,
EJNBOB UJEBL IBOZB NFOHFMPMB FCJUVS Write Off namun juga menangani kolektibilitas 3, 4 dan 5
terhadap seluruh produk kredit di bank bjb.
enterprises. While on the other hand, consumer’s purchasing power also weakened.The banking business was also affected
CZUIFDPOEJUJPO5IFOEPOFTJBOBOLJOH4UBUJTUJDTJTTVFECZ Bank Indonesia revealed that the total outstanding balance of
NJDSPDSFEJUJOSFBDIFE3QUSJMMJPOPSHSFXCZ O
HSPXUISFBDIFE
UUIFTBNFUJNF
UIFNJDSPDSFEJUOPOQFSGPSNJOHMPBOT 1- in the Indonesian banking also increased, from 3.24 in 2013
to 3.34 in 2014. OUFSOBMMZ
UIF CBSSJFST GBDFE CZ CBOL
bjb included the
VOGBWPVSBCMF PNQBOZT PSHBOJ[BUJPOBM DPOEJUJPO
HJWFO UIF constraints associated with the decision of the regulator on a
number of members of the Board of Directors of bank bjb. This
DPOEJUJPOBGGFDUTUIFQFSGPSNBODFPGUIFPNQBOZ
STRATEGY
Under the unfavourable circumstances, a number of strategic NFBTVSFTXFSFJNQMFNFOUFEJO
JOXIJDIUIFQPTTJCJMJUZPG
QPTJUJWFJNQMJDBUJPOTDBOPOMZCFGFMUBGUFS5IFJOJUJBUJWFT SFBMJ[FEJOJODMVEFE
A Reorganization
5IFDPNQBOZEFWFMPQFEUIFNJDSPEJWJTJPOJOUPUIF.JDSP JSFDUPSBUFCBTFEPOUIFYUSBPSEJOBSZFOFSBM.FFUJOH
PG 4IBSFIPMEFST IFME JO FDFNCFS
5IJT XBT performed as a proof of the seriousness of shareholders to
improve and enhance performance, including micro-credit BOEPO1FSGPSNJOH-PBOT 1-
The Directorate of Micro is divided into two divisions, OBNFMZ
1. Micro Credit Division .JDSPmOBODFOTUJUVUJPOTSFEJUJWJTJPO
5IFTUSVDUVSFPGUIFSFEJU3FTDVFBOE4FUUMFNFOUJWJTJPO PPK was changed, in which Write-off Debtors are
NBOBHFEBOEBTXFMMBTDPMMFDUBCJMJUZ
BOEPGUIF entire bank loan products in bank
bjb.
MIKRO
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bank bjb
Annual Report 2014
4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance
Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ
POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data
B. Evaluasi Mitra