Network bjb Kredit Guna Bhakti Pola Channeling

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 147 bank bjb Annual Report 2014 4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data

B. Evaluasi Mitra