Media Promotion Penyelamatan dan Penyelesaian terhadap Kredit Existing Kebijakan Open Selling Kredit Mikro Utama KMU

171 bank bjb Annual Report 2014 4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data MORTGAGE FINANCIAL HOUSING STRATEGI Dalam situasi seperti itu, bank bjb harus mengambil inisiatif TFKVNMBI MBOHLBI TUSBUFHJT 4BMBI TBUVOZB NFMBMVJ VQBZB NFOEPSPOH QSPEVL VOHHVMBO ZBJUV bjb ,13 1SPEVL JOJ UFSVUBNB EJUVKVLBO VOUVL UVKVBO QFNCFMJBO 3VNBI 5BQBL 1SJNBSZ Pilihan terhadap sejumlah langkah strategi ditujukan agar LJOFSKBQSPEVL,13EBO Mortgage CJTBCFSKBMBOTFTVBJZBOH direncanakan. Apalagi, di tengah tantangan cukup serius ZBOHIBSVTEJIBEBQJQBEBCJTOJTQSPQFSUJ ZBOHQBEBBLIJSOZB CFSJNCBTUFSIBEBQQFNCJBZBBOQSPQFSUJZBOHEJSFBMJTBTJLBO oleh perbankan, termasuk bank bjb. 4FKVNMBIJOJTJBUJGTUSBUFHJTZBOHEJBNCJMQBEBUBIVO EJ BOUBSBOZB

1. bjb KPR

1FOZBMVSBO bjb ,13 NFOKBEJ TBMBI TBUV GPLVT VUBNB dalam pertumbuhan portofolio kredit bjb ,13 Mortgage QBEBUBIVO6QBZBJOJEJMBLVLBO TFUJEBLOZBVOUVL NFNQFSUBIBOLBO LJOFSKB 1FSVTBIBBO EJ TFLUPS ,13 dan Mortgage. Selain itu, inisiatif tersebut sekaligus membuktikan bahwa bank bjb mendukung dan NFNCFSJLBO LFNVEBIBO NBTZBSBLBU EBMBN LFQFNJMJLBO properti.

2. Media Promosi

.FNBLTJNBMLBO NFEJB QSPNPTJ ZBOH EJNJMJLJ PMFI CBOL bjb EJ BOUBSBOZB NFMBMVJ Talkshow EJ 3BEJP BTJPOBM Daerah, Iklan di media masa, Iklan Billboard, Media Sosial seperti Twitter infobank bjb, Facebook bankbjb PGmDJBM TFSUBCFSCBHBJFWFOUZBOHEJTFMFOHHBSBLBOPMFICBOL bjb maupun pihak eksternal.

3. Kerja Sama Pemasaran

Terdapat beberapa program marketing dengan pihak pengembang, dimana hal tersebut dapat meningkatkan portofolio bjb ,13 Mortgage terutama produk bjb ,13

4. Suku Bunga

4VLV CVOHB ZBOH EJUBXBSLBO VOUVL QSPEVL bjb ,13 Mortgage masih cukup bersaing dengan pilihan waktu bunga tetap mYFE ZBOHDVLVQWBSJBUJGOJTJBUJGJOJNFOKBEJ QFOUJOH NFOHJOHBUMJLVJEJUBTQFSCBOLBOQBEBVNVNOZB masih ketat pada tahun 2014. STRATEGY In such situation, bank bjb must perform a number of strategic NFBTVSFT BNPOH PUIFST CZ QSPNPUJOH UIF BOLT GFBUVSFE QSPEVDUOBNFMZ bjb ,135IJTQSPEVDUJTQSJNBSJMZJOUFOEFE GPSUIFQVSDIBTFPG1SJNBSZPVTFT The strategic measures were taken in order for the performance PG,13BOE.PSUHBHFQSPEVDUUPCFBTQMBOOFE FTQFDJBMMZJO the middle of the challenges in the real estate business which JO UVSO JNQBDU PO UIF SFBMJ[FE QSPQFSUZ mOBODJOH CZ CBOLT including bank bjb. 5IFTUSBUFHJDJOJUJBUJWFTQFSGPSNFEJOXFSF

1. bjb KPR

The distribution of bjb ,13 CFDBNF POF PG UIF NBJO focuses in the growth of bjb ,13.PSUHBHFMPBOQPSUGPMJP in 2014. The effort was conducted at least to maintain the PNQBOZTQFSGPSNBODFJOPVTF-PBOBOE.PSUHBHFO addition, the initiative proved that bank bjb supported and GBDJMJUBUFEUIFDPNNVOJUZUPPXOQSPQFSUJFT

2. Media Promotion

bank bjb maximized its promotion media including through 5BMLTIPXTJOBUJPOBMBOE3FHJPOBM3BEJPT BEWFSUJTFNFOU in mass media, Billboard Advertising, Social Media such as Twitter infobank bjb, Facebook bankbjb PGmDJBM BT XFMMBTFWFOUTPSHBOJ[FECZCBOL bjb and external parties. 3. Cooperation Marketing There were several marketing programs in cooperation XJUIUIFEFWFMPQFST JOXIJDINBZJODSFBTFUIFQPSUGPMJPPG bjb ,13.PSUHBHFFTQFDJBMMZUIFQSPEVDU bjb ,13

4. Interest Rate

The interest rate offered for bjb ,13 .PSUHBHF XBT RVJUF DPNQFUJUJWF XJUI B DIPJDF PG WBSJFE mYFE JOUFSFTU This initiative became important given the tight banking MJRVJEJUZJO 172 bank bjb Laporan Tahunan 2014 LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO KINERJA 2014 BTJM4VSWFJBSHB1SPQFSUJ3FTJEFOTJBMZBOHEJMBLVLBOBOL OEPOFTJB UFSVOHLBQ CBIXB QFSUVNCVIBO OEFLT BSHB 1SPQFSUJ 3FTJEFOTJBM QBEB 5SJXVMBO 7 NFOHBMBNJ LPOUSBLTJ EJCBOEJOHLBO QFSJPEF ZBOH TBNB UBIVO TFCFMVNOZB 8BMBVQVO KJLB EJCBOEJOHLBO EFOHBO USJXVMBO TFCFMVNOZBUFUBQNFOHBMBNJLFOBJLBO Perlambatan pada bisnis properti residensial di pasar primer itu, menurut Bank Indonesia, terutama akibat sejumlah faktor, ZBJUV LFOBJLBO IBSHB CBIBO CBOHVOBO LFOBJLBO IBSHB CBIBOCBLBSNJOZBL TFSUBVQBIQFLFSKB ,POEJTJUFSTFCVUCFSQPUFOTJNFNQFOHBSVIJQFOZBMVSBOEBOB ,13CBOL bjb JOHHBTBBUJOJ QSPEVL bjb ,13UFSCBHJNFOKBEJ QSPEVLEFOHBOCFCFSBQBUVKVBOQFOHHVOBBO EJBOUBSBOZB bjb ,13 bjb Mortgage Properti, bjb Mortgage Properti Usaha dan bjb ,13.PSUHBHF1FHBXBJ1SPEVL bjb ,13NFNJMJLJ komposisi portofolio terbesar dibandingkan dengan produk bjb ,13 Mortgage ZBOHMBJO ZBJUVTFCFTBS FOHBO TFKVNMBI TUSBUFHJ ZBOH UFMBI EJVOHLBQLBO EJ BUBT kinerja produk bjb ,13 CFSHFSBL QPTJUJG 1BEB UBIVO NFOHBMBNJ QFSUVNCVIBO QPSUPGPMJP TFCFTBS 3Q NJMJBS EFOHBO QFOJOHLBUBO QFOZBMVSBO LSFEJU OBJL TFCFTBS EJCBOEJOHLBO UBIVO TFCFMVNOZB EBQVO KVNMBI BLVO atau VNCFSPGDDPVOU P VOUVLQSPEVLJOJCFSUBNCBI TFCBOZBL account atau tumbuh sebesar 15,10 1FOZBMVSBO EBOB VOUVL QFNCFMJBO 3VNBI 5BQBL 1SJNBSZ QBEBUBIVOTFCFTBS3QNJMJBSBUBVUVNCVI EJCBOEJOHLBOUBIVOTFCFMVNOZBEBQVOPVOUVLQSPEVL UFSTFCVUUVNCVITFCBOZBL account atau sekitar 23,32 dibandingkan tahun 2013. Jenis Produk TahunYear 2014 PertumbuhanGrowth 2013-24014 Product Type Baki Debet NoA Baki Debet NoA Rp bjb ,13 1,438 bjb mortgage bjb Mortgage Properti bjb Property Mortgage 2014 PERFORMANCE 5IF4VSWFZPO3FTJEFOUJBM1SPQFSUZ1SJDFDPOEVDUFECZBOL OEPOFTJB SFWFBMFE UIBU UIF HSPXUI PG 3FTJEFOUJBM 1SPQFSUZ 1SJDFOEFYJOUIFGPVSUIRVBSUFSPGDPOUSBDUFECZ DPNQBSFEUPUIFTBNFQFSJPEJOUIFQSFWJPVTZFBSBMUIPVHI when compared with the previous quarter remained increased. 5IF TMPXEPXO JO UIF SFTJEFOUJBM QSPQFSUZ CVTJOFTT JO UIF QSJNBSZNBSLFU BDDPSEJOHUPBOLOEPOFTJB XBTNBJOMZEVF UPBOVNCFSPGGBDUPSTOBNFMZUIFJODSFBTFPGUIFQSJDFTPG building materials, the increase in fuel prices and the wages of workers. 5IFTF DPOEJUJPOT DPVME QPUFOUJBMMZ BGGFDU UIF EJTUSJCVUJPO PG funds bank bjb mortgage. Until now, the products are divided into four bank bjb mortgage products with some of the intended use, including mortgage bjb, bjb 1SPQFSUZ.PSUHBHF bjb Enterprises and bjb 1SPQFSUZ .PSUHBHF .PSUHBHF .PSUHBHF 0GmDFS bjb mortgage products have the largest portfolio composition compared with bjb mortgage products .PSUHBHFPUIFST BNPVOUJOHUP With a number of strategies that have been disclosed above, the performance of the bjb ,13 NPWFE QPTJUJWFMZ O UIFQSPEVDUFYQFSJFODFEQPSUGPMJPHSPXUIPG3QCJMMJPOXJUI JODSFBTFJOMFOEJOHPWFSUIFQSFWJPVTZFBS5IFVNCFS PGDDPVOU P PGUIJTQSPEVDUJODSFBTFECZ BDDPVOUT PSHSFXCZ 5IF EJTUSJCVUJPO PG GVOET GPS UIF QVSDIBTF PG UIF 1SJNBSZ PVTFTJOBNPVOUFEUP3QCJMMJPOPSBOJODSFBTFPG PWFSUIFQSFWJPVTZFBS5IFPGPSUIJTSPEVDUHSFX CZ BDDPVOUT PS BQQSPYJNBUFMZ DPNQBSFE UP 2013. KPR MORTGAGE 173 bank bjb Annual Report 2014 4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data Jenis Produk TahunYear 2014 PertumbuhanGrowth 2013-24014 Product Type Baki Debet NoA Baki Debet NoA Rp bjb Mortgage Properti Usaha 31 2,141,202,027 4 bjb Enterprises Property Mortgage bjb ,13.PSUHBHF1FHBXBJ 515 bjb Mortgage Mortgage Employees RENCANA 2015 Untuk tahun 2015, bank bjb menargetkan pertumbuhan QFOZBMVSBO EBOB VOUVL ,13 TFCFTBS 8BMBVQVO BTJM 4VSWFJ BSHB 1SPQFSUJ 3FTJEFOTJBM BOL OEPOFTJB NBTJI mengindikasikan terjadi perlambatan pada awal tahun NFOHJOHBU EBNQBL EBSJ LFCJKBLBO ZBOH EJLFMVBSLBO QFNFSJOUBINFOKFMBOHUBIVOCFSBLIJSNBTJINFOZJTBLBO dampak. 4FCBHBJ BOUJTJQBTJ EBO VQBZB NFSFBMJTBTJLBO UBSHFU ZBOH telah ditetapkan, bank bjb UFMBINFOZJBQLBOTFKVNMBIJOJTJBUJG EJBOUBSBOZBBEBMBI

A. Fokus Pasar

Perusahaan akan memiliki fokus pasar market ZBOH NFOKBEJ TBTBSBO QBEB UBIVO BM JOJ EJMBLVLBO NFOHJOHBUNBTJICBOZBLUBOUBOHBOZBOHIBSVTEJIBEBQJ TFQFSUJUFSDFSNJOEBSJIBTJMTVSWFJZBOHUFMBIEJMBLVLBOPMFI Bank Indonesia dan ekspektasi terhadap perekonomian ke depan, walaupun diperkirakan tetap bergerak positif. Karena itulah, terkait dengan fokus pasar ini bank bjb UFMBINFOZJBQLBOTFKVNMBIJOJTJBUJG ZBJUV 6OUVL QFOZBMVSBO EBOB ,13 Primary, Perusahaan akan fokus pada produk dari pengembang Perjanjian ,FSKB4BNB 1,4 ZBOHUFSCVLUJNFNJMJLJLJOFSKBCBJL 6OUVL SVNBI LFEVB BUBV ,13 Secondary, bank bjb bekerja sama dengan agen properti atau house brokerage, sehingga dapat Meminimalkan risiko dan NFOHFmTJFOLBOEBSJTJTJPQFSBTJPOBM 3. Perusahaan juga akan mendorong produk bjb ,13 Pegawai. 2015 PLAN For 2015, the bank bjb is targeting a growth of mortgage funds PG5IFSFTVMUTPGUIF3FTJEFOUJBM1SPQFSUZ1SJDF4VSWFZCZ BOLOEPOFTJBTUJMMJOEJDBUFTBTMPXEPXOJOFBSMZEVF to the government policies released during the end of 2014 which still provide impacts. As the anticipation and effort to realize the targets set, bank bjb IBTTFUVQBOVNCFSPGJOJUJBUJWFT BNPOHPUIFST

A. Market Focus

5IFPNQBOZXJMMTFUNBSLFUGPDVTUPCFUIFUBSHFUJO 5IJT JT QFSGPSNFE TJODF UIFSF BSF TUJMM NBOZ DIBMMFOHFT UP CF GBDFE BT SFnFDUFE JO UIF SFTVMUT PG UIF TVSWFZ DPOEVDUFE CZ BOL OEPOFTJB BOE UIF FYQFDUBUJPOT PG UIFFDPOPNZJOUIFGVUVSF BMUIPVHIFYQFDUFEUPSFNBJO positive. Therefore, associated with this market focus, bank bjb has TFUVQBOVNCFSPGJOJUJBUJWFT OBNFMZ PS UIF EJTUSJCVUJPO PG GVOET GPS ,13 1SJNBSZ UIF PNQBOZXJMMGPDVTPOUIFQSPEVDUTPGUIFEFWFMPQFST with Cooperation Agreement which are proved to have good performance. PSBTFDPOEIPVTFPS4FDPOEBSZNPSUHBHF bank bjb DPPQFSBUFTXJUIQSPQFSUZBHFOUTPSIPVTFCSPLFSBHF UIVTNJOJNJ[JOHSJTLBOEQSPNPUFFGmDJFODZGSPNUIF operational side. 5IFDPNQBOZXJMMBMTPQSPNPUF bjb ,13GPSFNQMPZFFT MORTGAGE FINANCIAL HOUSING 174 bank bjb Laporan Tahunan 2014 LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO .FOHFNCBOHLBO LJOFSKB ,13 Collective Market, ZBJUV QFOZBMVSBO EBOB LSFEJU QSPQFSUJ LIVTVT VOUVL LBSZBXBO EBSJ QFSVTBIBBO ZBOH UFMBI CFLFSKB TBNB dengan bank bjb. 5. Memaksimalkan kerja sama kepemilikan rumah NFMBMVJ QSPHSBN QFNFSJOUBI EJ BOUBSBOZB BTJMJUBT -JLVJEJUBT 1FNCJBZBBO 1FSVNBIBO -11 BEBO 1FOZFMFOHHBSB +BNJOBO 4PTJBM ,FUFOBHBLFSKBBO BPJS, Badan Pertimbangan Tabungan Perumahan 1FHBXBJFHFSJ4JQJM BQFSUBSVN TFSUBZBOHMBJOOZB

B. Brand Image

Untuk memperkuat brand image produk bank bjb di bidang kepemilikan properti, Perusahaan akan terus melakukan LFHJBUBO QFNBTBSBO TFDBSB CFSLFTJOBNCVOHBO BM JUV dilakukan melalui media.

C. Hubungan dengan Pemangku Kepentingan

Dalam rangka membangun dan meningkatkan hubungan baik dengan para pemangku kepentingan, bank bjb akan melakukan gathering dengan sejumlah pengambang, dinas atau instansi pemerintahan, serta asosiasi properti. BGUBS1FOHFNCBOHZBOHFLFSKBTBNB The Cooperating Developer List No Proyek Project PerusahaanPengembang CompanyDeveloper Lokasi Location 1 Bumi Adipura 15.VMUJEBZB,IBSJTNB Bandung 2 3BZBO3FHFODZ PT. Kamilindo Sejahtera 4VSBCBZB 3 .FOUFOH3FHFODZ PT. Menteng Mandiri Sejahetera Gresik 4 4FLBSQVSP3FTJEFODF 151BTUZKBZB Malang 5 .BUBIBSJJHBOJUSJ JHBOJUSJIFSSZJFME PT. Mentari Agung Mandiri Bandung Matahari Asri PT. Mentari Agung Mandiri Bandung 7 PHPSJSXBOB3FTJEFODF PT. Graha Andrasentra Propertindo Bogor 8 Gresik Kota Baru PT. Bumi Lingga Pertiwi Gresik Pondok Permata Suci PT. Bumi Lingga Pertriwi Gresik 10 Istana Mentari PT. Bumi Mentari Megah Sidoarjo 11 The Spring of Tomorrow PT. Cipta Adi Perkasa Sidoarjo 12 Pakuwon Indah PT. Pakuwon Darma 4VSBCBZB 13 Perumahan Pakuwon Indah 15 SUJTBO4VSZB,SFBTJ 4VSBCBZB 14 BMJLQBQBO4VQFSCMPDL QBSUNFOU3VCZ 400 Apartment Aeropolis, Kondotel Astara PT. Wulandari Bangun Laksana Balikpapan OIBODF UIF QFSGPSNBODF PG ,13 PMMFDUJWF .BSLFU OBNFMZUIFEJTUSJCVUJPOPGQSPQFSUZMPBOGPSFNQMPZFFT of the companies working together with bank bjb. 5. Maximize cooperation of home ownership through HPWFSONFOU QSPHSBNT JODMVEJOH PVTJOH JOBODF -JRVJEJUZ BDJMJUZ -11 UIF NQMPZNFOU 4PDJBM 4FDVSJUZ HFODZ 1+4 UIF EWJTPSZ PBSE PG JWJM 4FSWBOUTPVTJOH4BWJOHT BQFSUBSVN BOEPUIFST

B. Brand Image

To strengthen the brand image of the Bank’s products JO UIF mFME PG QSPQFSUZ PXOFSTIJQ UIF PNQBOZ XJMM continue to conduct marketing activities on an on-going basis through the media.

C. Stakeholder Relationship

In order to build and enhance relationships with the stakeholders, the Bank will organize gatherings with EFWFMPQFST HPWFSONFOU PGmDFT PS BHFODJFT BT XFMM BT UIFQSPQFSUZBTTPDJBUJPO KPR MORTGAGE 175 bank bjb Annual Report 2014 4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data BGUBS1FOHFNCBOHZBOHFLFSKBTBNB The Cooperating Developer List No Proyek Project PerusahaanPengembang CompanyDeveloper Lokasi Location 15 Taman Sumber Indah 15FSMJBOBJWB1SPQFSUZ Sumber ,SBLBUBV3FTJEFODF 15SJOBBZVTXBLBSTB Serang 17 1FTPOBJMFVOZJ 15SJOBBZVTXBLBSTB JMFVOZJ 18 5IF0BTJT7JMMBHF3FTJEFODF PT. Diwangkara Bangun Persada Sidoarjo 4BUVSOVT3FHFODZ 15SBIBEJDJQUBVHSBIB Bandung 20 Green Garden View 15SBIBEJDJQUBVHSBIB Bandung 21 5IFBSEFOJUZ7JFX 15SBIBEJDJQUBVHSBIB Bandung 22 Padasuka Estate 15SBIBEJDJQUBVHSBIB Bandung 23 SFFO7BMMFZ3FTJEFODF 15SBIBEJDJQUBVHSBIB Bandung 24 Grand Ujung Berung 15SBIBEJDJQUBVHSBIB Bandung 25 SBOE7BMMFZ6KVOHFSVOH 15SBIBEJDJQUBVHSBIB Bandung JUZBSEFO3FTJEFODF 15SBIBEJDJQUBVHSBIB Bandung 27 The Green Sariwangi 15SBIBEJDJQUBVHSBIB Bandung 28 4BSJXBOHJJUZ7JFX 15SBIBEJDJQUBVHSBIB Bandung 4BSJXBOHJ3FHFODZ 15SBIBEJDJQUBVHSBIB Bandung 30 Sariwangi Estate 15SBIBEJDJQUBVHSBIB Bandung 31 Sariwangi Village 15SBIBEJDJQUBVHSBIB Bandung 32 dcassa Grande 15SBIBEJDJQUBVHSBIB Bandung 33 Grand Kolmas Village 15SBIBEJDJQUBVHSBIB Bandung 34 3JWFS7BMMFZEBOBTBBSEFOJB 15OVHSBI,BSZBBOHVO4FKBIUFSB Bogor 35 FSPQPMJT3FTJEFODF PT. Perkasa Lestari Permai Tangerang Grand Taruma PT. Pesona Gerbang Karawang Karawang 37 Graha Estetika 15BTB8JMJT3BZB Semarang 38 Buana Soetta PT. Cikal Buana Persada Bandung Buana Subang Kencana PT. Cikal Buana Persada Subang 40 Buana Taman sari PT. Cikal Buana Persada Karawang 41 Graha Subang Kencana PT. Cikal Buana Persada Subang 42 BSWFTUJUZ 15XJHVOBUBNB3JOUJT1SJNB Bekasi 43 BSWFTUJUZ 15XJLBSZB-BOHHFOH4VLTFT Bogor 44 Pesona Cilegon PT. Gunung Intan Abadi Terus Serang 45 Grand Pesona PT. Gunung Intan Abadi Terus Serang MORTGAGE FINANCIAL HOUSING 176 bank bjb Laporan Tahunan 2014 LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO BGUBS1FOHFNCBOHZBOHFLFSKBTBNB The Cooperating Developer List No Proyek Project PerusahaanPengembang CompanyDeveloper Lokasi Location 5JSUBTBOJ3FTJEFODF 154VSZBSBIBIVXBOB Surakarta 47 Taman Graha Asri PT. Graha Serang Asri Serang 48 Serpong Garden 15BSBQBOOUJ1FSTBEBOEBI Serpong Persada Banten 15BSBQBOOUJ1FSTBEBOEBI Serpong 50 BNQPFBXBOH1VSJ3FHFODZ 15JUSBBNQPFBXBOH4FEBZV OESBNBZV 51 Graha Sudirman 15JQUB-PLBVTB1SJNB OESBNBZV 52 Galuh Mas PT. Galuh Citarum Karawang 53 Plamongan Indah Jasmine Park, Villa Pinus Watugong, Gardenia dan Permata Batusari 15,JOJ+BZBOEBI Semarang 54 Bentang Padalarang 156[Z,BSZB1SFTUBTJ Bandung 55 Senopati Penthouse 154FOPQBUJSZBOJ1SJNB Jakarta Puri Indah Lestari PT. Dimensi Puri Lestari Cimahi 57 Bumi Teluk Jambe 151FSVN1FSVNOBT3FH7 Karawang 58 4IBQQIJSF3FTJEFODF,FEBXVOH PT. Mitra Shapphire Sejahtera Cirebon 5JSUBZBTBSFHFODZ PT. Tulus Asih Sumber SBOEVTBOEBI PT. Kentanix Supra International Bogor Villa Bogor Indah PT. Semangat Panca Bersaudara Bogor The Andalusia 15SZBJQUB4BSBOB Serang JUSBVTBJBHB 155SJBT+BZB1SPQFSUJOEP Batam 1VSJTSJ3FTJEFODF 155SJBT+BZB1SPQFSUJOEP Batam SBOEJBHB.BT 155SJBT+BZB1SPQFSUJOEP Batam 1BODBOBLBBMJSmOB 15BIBZB3BHB Bali SBOE1JOVT3FHFODZ 15OHHSFLOEBI4VSZB-FTUBSJ Bandung Citra Indah PT. Ciputra Indah Bogor 5BOHDJUZ 151BODBLBSZBSJZBUBNB Tangerang 70 Bumi Papan Selaras PT. Bangun Papan Selaras Sidoarjo 71 Grand Semanggi Mangrove PT. Graha Agung Perkasa 4VSBCBZB 72 MBNFQPL3FTJEFODF 15JOUBOH4IBmSB Depok 73 Citra Sun Semarang +0JQVUSB4VOJOEP1SPQFSUZ Semarang 74 Citra Grand Semarang +0JQVUSB,BSZB6UBNB Semarang 75 JUSB4VOBSEFO:PHZBLBSUB JO Ciputra Sunindo Graha Utama ,BC4MFNBO:PHZBLBSUB KPR MORTGAGE 177 bank bjb Annual Report 2014 4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data BGUBS1FOHFNCBOHZBOHFLFSKBTBNB The Cooperating Developer List No Proyek Project PerusahaanPengembang CompanyDeveloper Lokasi Location JUSBSBOE.VUJBSB:PHZB JO Ciputra Graha Terasama :PHZB ,BCVQBUFO Sleman 77 JUSBMBOEBHZBJUZ +0JQVUSB,BSZB1BODBTBLUJVHSBIB Deli. Serdang - Medan 78 Pesona Ciganitri PT. Duta Emas Anugerah Abadi Kab. Bandung BUFXBZ1BTUFVSQBSUNFOU 151SBTFUZBHVOHJQUBCBEJ Bandung 80 SBIBHPSPTSJ 15OVHFSBI4FKBUJ8BIBOB,BSZB Mojokerto 81 Bahtera Indah Sejahtera 15JOBLBSZBUBNBOEBI1FSLBTB Lampung 82 NBNPOKPM3FHFODZ PT. Lampung Utama Construcsindo Lampung 83 4FSSBZ7BMMFZF-JNBJXBSVHB 15VTBOUBSBSBIBOEPOFTJB Bandung 84 SBOE5VQBSFW3FTJEFODF 153BKBXBMJ4VSZB4FNFSMBOH Karawang 85 SJZB+BUJ,BMJKBHB 158JHBOUVBSEB+BZB Cirebon Andalusia Kartini Square PT. Manzillah Visi Mulia Gresik 87 VBOBJXBTUSB3FTJEFODF PT. Kibar Buana Persada Bandung 88 5IFZCSJE1BSLFXUPO 15SBDJBSJZB,FODBOB Bandung Kota Jababeka PT. Graha Buana Cikarang Cikarang 1BMN3FTJEFODFSPVQ PT. Multi Bangun Sarana 4VSBCBZB Apartment Voila 158JO8JO3FBMUZFOUSF 4VSBCBZB 4004LZMPGU 158JO8JO3FBMUZFOUSF 4VSBCBZB Grand Sentosa PT. Artha Sentosa Solo Puri Artha Sentosa PT. Artha Sentosa Solo BSVUZQFSTRVBSF 15BTUVLB4BSBOBLBSZB Garut Stella PT. Mentari Agung Mandiri Bandung Akita 2 PT. Mentari Agung Mandiri Bandung Matahari Square PT. Mentari Agung Mandiri Bandung De Paradiso PT. Jakarta Propertindo Jakarta 100 5IF5PXFS 15,3FMBUJOEP Jakarta 101 5IF3FTJEFODF 15,3FMBUJOEP Jakarta 102 Intermark Mix Use Properti ,40.FSEFLB3POPWOEPOFTJB Tangerang Selatan 103 BEJOHSFFOJMMQBSUNFOU PT. Gading Selaras Jakarta Utara 104 SBOEIJLBJUZ 15EIJ1FSTBEB1SPQFSUZ Bekasi 105 Taman Melati Jatinangor 15EIJ1FSTBEB1SPQFSUZ Jatinangor 4FSPKBPNF3FTJEFODF 15SBIBEJDJQUBVHSBIB Kab. Bandung MORTGAGE FINANCIAL HOUSING 178 bank bjb Laporan Tahunan 2014 LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO BGUBS1FOHFNCBOHZBOHFLFSKBTBNB The Cooperating Developer List No Proyek Project PerusahaanPengembang CompanyDeveloper Lokasi Location 107 SJZB1BUBSVNBOTSJ 15SBIBEJDJQUBVHSBIB Bandung Barat 108 Intermark Mix Use Properti Usaha ,40.FSEFLB3POPWOEPOFTJB Tangerang Selatan 3PZBM0MJWF3FTJEFODF 15EF1FEF3FBMUZ Jakarta Selatan 110 Graha Metro Serang PT. Graha Mulia Abadi Serang 111 Batakan Village 15FSJXJKBZBTSJ Balikpapan 112 SFFOBSNPOJ3FTJEFODF 15NCFSBTZB Bandung 113 1FSNBUBJKBV3FTJEFODF PT. Sigit Putra Agung Karawang 114 Imperium Park 15,IBSJTNB4VSZB.BOEJSJ Cibinong 115 3FHFOUT1BSL PT. Binx Propertindo Karawang Graha Grande PT. Bangun Bumi Pakuan Cibinong 117 Andalusia 15MFYBOESJB3FBMUJOEP 5BTJLNBMBZB 118 FJSXBOBBSEFO 15SBIBBUB8JHVOB 5BTJLNBMBZB Apartment The Windsor PT. Antilope Mandju Puri Indah 120 Bizpoint 15,XBSUB4FKBIUFSB+BZB Balaraja 121 EFMXFJT5PXOPVTF 15SBIB,VSOJB3BZB Bandung 122 Casa Gardenia 2 15OVHSBI,BSZBBOHVO4FKBIUFSB Cibitung 123 BUVKBKBS3FHFODZ 15VTBO4FOUPTBBOHVO+BZB Batujajar 124 ,PUBBSV1BSBIZBOHBO PT. Belaputera Intiland Padalarang 125 3JWFS7BMMFZ 15OVHSBI,BSZBBOHVO4FKBIUFSB Kabupaten Bogor 1BMUSPXJUZFMMJOJ5PXFSQBSUNFOU 15EIJTBUZB1SPQFSUZ Semarang 127 SFFONFSBME3FTJEFODF PT. Gemilang Mas Sejahtera Depok 128 FNQBLBJKBV ,FSKBTBNB11JOEZB Bandung Panorama Panembong PT. Bintang Ciremai Abadi Cianjur 130 .BKBHFVMJT3FTJEFODF PT. Turangga Empat Tiga Majalengka 131 Citralake Sawangan KSO Citra Bangun Cemerlang Depok 132 Citragarden BMW KSO Citra Pradipta Serang 133 JUSBSBZBJUZ.FOEBMP KSO Citra Mendalo Prima Jambi 134 JUSB 15BLSBXBMB3FTQBUJ Jakarta 135 Citra 7 15-BIBOEZBCVNJ Jakarta Aeroworld 15BLSBEJHEBZB-PLBSBZB Jakarta 137 JUSBHSBOEJUZ +0JUSBTSJHSJZB Palembang KPR MORTGAGE 179 bank bjb Annual Report 2014 4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data BGUBS1FOHFNCBOHZBOHFLFSKBTBNB The Cooperating Developer List No Proyek Project PerusahaanPengembang CompanyDeveloper Lokasi Location 138 Kedamaian Mansion CV. Atmosphere Bandarlampung Graha Mulawarman Tahap II PT. Graha Agung Kusuma Balikpapan 140 Centra Bizpark Tahap II ,4015CFSJXJKBZBTSJEBO156NBXBSTBTBCMV[B Balikpapan 141 Enviro 15,3FBMUJOEP Cikarang 142 Daun Village 15.VMJBMBN3BZB Balikpapan 143 Pesona Ciwastra Village 151VUSB4BSBOB+BZB-FTUBSJ Bandung 144 Casa Gardenia Batu Gede 15OVHSBI,BSZBBOHVO4FKBIUFSB Cilebut 145 BMJLQBQBO3FHFODZ PT. Mutiara Bahagia Abadi, Perusahaan Daerah Kota Balikpapan - PT. Mutiara Bahagia Abadi Balikpapan Cluster Jasmine Park 153PZBMOWFTNFOU Karawang 147 3 Multigudang Tangerang 158BIBOB,BSZB4VLTFT1SJNB Tangerang 148 -BCVIBOMBN3FTJEFODF 15.POH,BSZBFSTBNB Bandarlampung PMGTUBUFPHPS3BZB 15PHPS3BZBFWFMPQNFOU Bogor 150 SJZB4PLBPHPS3BZB 15PHPS3BZBFWFMPQNFOU Bogor 151 SJZBPHPS3BZB 15SJZBPHPS3BZB Bogor 152 1BEKBEKBSBOSFHFODZ 15SJZBPHPS3BZB Bogor 153 PHPS3BZB3FTJEFODF 15PHPS3BZB3FTJEFODF Bogor 154 .BOTJPO 15,3FBMUJOEP Jakarta 155 Citraland Tegal PT Ciputra Optima Mitra Tegal Citraland Cirebon 15JQVUSBVTB.JUSBEBO15VEJ4BSJ.VSOJKJ Cirebon MORTGAGE FINANCIAL HOUSING 180 bank bjb Laporan Tahunan 2014 LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO bank bjb Laporan Tahunan 2014 180 Pendirian 15 BOL +BCBS BOUFO 4ZBSJBI BEBMBI TVBUV 1FSTFSPBO 5FSCBUBTZBOHEJEJSJLBOEBONFOKBMBOLBOLFHJBUBOVTBIBOZB menurut dan berdasarkan peraturan perudang-undangan ZBOH CFSMBLV EJ 3FQVCMJL OEPOFTJB CFSLFEVEVLBO EJ ,PUB Bandung. Pendirian bank bjb 4ZBSJBI EJBXBMJ EFOHBO QFNCFOUVLBO JWJTJ6OJU6TBIB4ZBSJBIPMFI15BOL1FNCBOHVOBOBFSBI +BXBBSBUEBOBOUFO5CLQBEB.FJBMUFSTFCVU CFSUVKVBOVOUVLNFNFOVIJLFCVUVIBONBTZBSBLBU+BXBBSBU ZBOHNVMBJUVNCVILFJOHJOBONFOHHVOBLBOKBTBQFSCBOLBO TZBSJBIQBEBTBBUJUV BMBNQFSKBMBOBOOZB NBOBKFNFO1FSTFSPBOCFSQBOEBOHBO VOUVL NFNQFSDFQBU QFSUVNCVIBO VTBIB TZBSJBI TFSUB NFOEVLVOH QSPHSBN BOL OEPOFTJB ZBOH NFOHIFOEBLJ QFOJOHLBUBO TIBSF QFSCBOLBO TZBSJBI NBLB EFOHBO QFSTFUVKVBO 3BQBU 6NVN 1FNFHBOH 4BIBN 15 BOL Pembangunan Daerah Jawa Barat dan Banten Tbk diputuskan VOUVL NFOKBEJLBO JWJTJ6OJU 6TBIB 4ZBSJBI NFOKBEJ BOL 6NVN4ZBSJBI Sebagai tindak lanjut, maka pada 15 Januari 2010 didirikanlah CKC4ZBSJBICFSEBTBSLBOLUB1FOEJSJBO1FSTFSPBO5FSCBUBT PZBOHEJCVBUPMFIBUIJBIFMNJ 4 PUBSJTEJ+BLBSUB Akta telah memperoleh pengesahan dari Menkumham CFSEBTBSLBO 4VSBU ,FQVUVTBO P 6 5BIVO UBOHHBM +BOVBSJ EBO UFMBI EJEBGUBSLBO EBMBN BGUBS 1FSTFSPBO TFTVBJ EFOHBO 6615 P 6 5BIVOUBOHHBM+BOVBSJ Establishment 15BOL+BCBSBOUFO4ZBSJBIJTB-JNJUFE-JBCJMJUZPNQBOZ which was established and perform its business activities in accordance with and based on the rules and regulations BQQMJDBCMFJOUIF3FQVCMJDPGOEPOFTJB EPNJDJMFEJOUIFJUZ of Bandung. The establishment of bank bjb 4ZBSJBIXBTJOJUJBUFEXJUIUIF FTUBCMJTINFOUPGUIF4IBSJBJWJTJPOVTJOFTT6OJUCZ15BOL 1FNCBOHVOBOBFSBI+BXBBSBUEBOBOUFO5CLPO.BZ 20, 2000. It has the objectives to meet the needs of the people of West Java who started growing the desire for the use of Islamic banking services at that time. OJUTKPVSOFZ UIFNBOBHFNFOUPGUIFPNQBOZCFMJFWFTUIBU to accelerate the growth of Islamic business and support the programs of Bank Indonesia that pursues an increase in the share of Islamic banking, with the approval of the General Meeting of Shareholders of PT Bank Pembangunan Daerah Jawa Barat and Banten Tbk decided to make the Sharia Division Unit into Sharia Bank. T B GPMMPX VQ CKC 4ZBSJBI JU XBT FTUBCMJTIFE PO +BOVBSZ CBTFE PO UIF -JNJUFE -JBCMJUZ PNQBOZ FFE P BUIJBINBEFCZBUIJBIFMNJ 4 PUBSZJO+BLBSUB5IF EFFEIBTCFFOBQQSPWFECZUIFFDSFFPGUIF.FOLVNIBN P6PGEBUFE+BOVBSZ BOE IBTCFFOSFHJTUFSFEJOUIFPNQBOZ-JTUJOBDDPSEBODFXJUI 6615P6PGEBUFE+BOVBSZ 2010 . BISNIS SYARIAH Sharia Business TINJAUAN KINERJA ANAK PERUSAHAAN SUBSIDIARY PERFORMANCE REVIEW Ikhtisar Saham Obligasi Analisa Pembahasan atas Kinerja Perseroan Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan Laporan Keuangan Konsolidasian Data Perusahaan 181 bank bjb Annual Report 2014 4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data bank bjb Annual Report 2014 181 bank bjb Annual Report 2014 Kegiatan Usaha 4FTVBJ1BTBMOHHBSBOBTBSBOL+BCBSBOUFO4ZBSJBI NBLTVE EBO UVKVBO BEBMBI NFOZFMFOHHBSBLBO VTBIB QFSCBOLBOCFSEBTBSLBOQSJOTJQTZBSJBI Pengurus Bank Jabar Banten Syariah FXBO,PNJTBSJT JSFLTJEBO141FSJPEF Dewan Komisaris Board of Commissioners JabatanPosition NamaName Komisaris Utama President Commissioner Erick Komisaris Commissioner Santoso Djojo Koesoemo Komisaris Commissioner JEJU4VQSJZBEJ Komisaris Commissioner BIZB Direksi Board of Directors Jabatan NamaName President Direktur President Director MJVSJEJO Direktur Director BNBSBEBN Direktur Director BSUB1VSOBNB CFMVNmUBOEQSPQFSUFTU Direktur Director :PDJFVTNBO CFMVNmUBOEQSPQFSUFTU Dewan PengawasSupervisory Board Jabatan NamaName Ketua Chairman Jaih Mubarok Anggota Member Endjo Sunidja Anggota Member 3J[LB.BVMBOB Kinerja JOHHB FTFNCFS BTFU BOL +BCBS BOUFO 4ZBSJBI NFOJOHLBU EJCBOEJOHLBO QFSJPEF ZBOH TBNB UBIVO TFCFMVNOZB BSJ 3Q USJMJVO NFOKBEJ TFCFTBS 3Q triliun. Perkembangan penghimpunan Dana Pihak Ketiga DPK BEBMBITFCBHBJCFSJLVU t 1, ZBOH CFSBTBM EBSJ QSPEVL JSP 5BCVOHBO EBO FQPTJUP NFOJOHLBU TFCFTBS BUBV 3Q NJMJBS ZBJUV EBSJ 3Q NJMJBS QBEB FTFNCFS NFOKBEJ 3Q NJMJBS QBEB FTFNCFS 1FOJOHLBUBO tersebut ditopang oleh kenaikan Deposito sebesar 3Q NJMJBS BUBV EBSJ 3Q NJMJBS NFOKBEJ 3QNJMJBSEJFTFNCFS t 1SPEVL 5BCVOHBO NFOJOHLBU 3Q NJMJBS BUBV EBSJ3QNJMJBSEJFTFNCFSNFOKBEJ3QNJMJBS pada Desember 2014 dan produk Giro menurun sebesar 3Q NJMJBS BUBV EBSJ TFCFTBS 3Q NJMJBS EJ FTFNCFSNFOKBEJ3QNJMJBSEJFTFNCFS Business Activity In accordance with Article 3 of the Articles of Association of BOL+BCBSBOUFO4ZBSJBI UIFQVSQPTFBOEPCKFDUJWFJTUP conduct banking business based on the sharia principles. Management of Bank Jabar Banten Sharia PBSEPGPNNJTTJPOFST JSFDUPSTBOE141FSJPE Performance As of December 2014, the assets of Bank Jabar Banten 4ZBSJBIJODSFBTFECZDPNQBSFEUPUIFTBNFQFSJPEJO UIFQSFWJPVTZFBSSPN3QUSJMMJPOUP3QUSJMMJPO 5IFEFWFMPQNFOUPG5IJSE1BSUZVOET 1, JTBTGPMMPXT • Deposits derived from the products of Giro, Savings and FQPTJUT JODSFBTFE CZ PS 3Q CJMMJPO GSPN 3Q CJMMJPOJOFDFNCFSUP3Q CJMMJPOPO FDFNCFS5IFJODSFBTFXBTESJWFOCZBOJODSFBTF JOEFQPTJUTJOUIFBNPVOUPG3Q CJMMJPO PS GSPN 3Q CJMMJPOUP3Q CJMMJPOJOFDFNCFS t 4BWJOHTQSPEVDUTJODSFBTFECZ3QCJMMJPOPSGSPN 3Q CJMMJPO JO FDFNCFS UP 3Q CJMMJPO JO FDFNCFS BOE JSP QSPEVDUT EFDSFBTFE CZ 3QCJMMJPOPSGSPN3QCJMMJPOJOFDFNCFSUP 3QCJMMJPOJOFDFNCFS 4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ Consolidated Financial Statements Corporate Data 182 bank bjb Laporan Tahunan 2014 LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO bank bjb Laporan Tahunan 2014 182 t ,PNQPTJTJBOB1JIBL,FUJHBCBOL+BCBSBOUFO4ZBSJBI dari Desember 2013 hingga Desember 2014 masih didominasi oleh simpanan Deposito masing-masing TFCFTBS EBO EBSJUPUBMBOB1JIBL,FUJHB EBONBZPSJUBTNFSVQBLBOEFQPTBOLPSQPSBTJ t .FOJOHLBUOZB WPMVNF VTBIB EJTFCBCLBO PMFI QFSUVNCVIBO QFNCJBZBBO BOL +BCBS BOUFO 4ZBSJBI ,JOFSKB QFNCJBZBBO CBOL bjb 4ZBSJBI UFSVT NFOHBMBNJ QFOJOHLBUBO EBO QBEB UBIVO WPMVNF QFNCJBZBBO bjb 4ZBSJBIUFMBINFODBQBJ3QNJMJBSBUBVNFOJOHLBU TFCFTBS EJCBOEJOHLBOEFOHBOUBIVOTFCFMVNOZB Perkembangan Ekuitas Modal Ekuitas terdiri dari modal disetor dan saldo laba pada 31 FTFNCFSTFCFTBS3QNJMJBSBUBVNFOJOHLBU dibandingkan posisi pada Desember 2013. Peningkatan ini EJTFCBCLBOPMFIMBCBZBOHEJCVLVLBO bjb 4ZBSJBIQBEBBLIJS UBIVOZBOHNFODBQBJ3Q NJMJBS Pendapatan, Beban, Dan Laba Selama periode tahun buku 2014, pertumbuhan pendapatan, beban dan laba bank bjb 4ZBSJBIBEBMBITFCBHBJCFSJLVU • Pendapatan operasional bjb 4ZBSJBI TFCFTBS 3Q NJMJBS EJ NBOB KVNMBI UFSTFCVU CFSBTBM EBSJ QFOEBQBUBO QFOZBMVSBO EBOB 3Q NJMJBS EBO TJTBOZB 3QNJMJBSCFSBTBMEBSJQFOEBQBUBOPQFSBTJPOBMMBJOOZB • Beban operasional bjb 4ZBSJBI 3Q NJMJBS UFSEJSJ EBSJ CFCBO UFOBHB LFSKB 3Q NJMJBS CFCBO BENJOJTUSBTJ EBOVNVN3QNJMJBS CFCBOQFOZJTJIBOLFSVHJBOBTFU QSPEVLUJGCFSTJI3QNJMJBSEBOTJTBOZBCFSVQBCFCBO MBJOOZBTFCFTBS3QNJMJBS • Laba bersih bjb 4ZBSJBI QBEB FTFNCFS TFCFTBS 3QNJMJBS Rasio-Rasio Keuangan 3BTJPQFSNPEBMBO 3 CBOL bjb 4ZBSJBIQBEBFTFNCFS 2014 sebesar 15,78, mengalami penurunan dibandingkan QFSJPEFZBOHTBNBUBIVOTFCFMVNOZB ZBOHCFSBEBEJQPTJTJ Rasio Rentabilitas: - Imbal hasil Aset Return On Asset o30 TFCFTBS QBEB FTFNCFS EJCBOEJOHLBO QBEB Desember 2013. t 5IF5IJSE1BSUZVOETDPNQPTJUJPOPGBOL+BCBSBOUFO 4ZBSJBI GSPN FDFNCFS UP FDFNCFS JT TUJMM EPNJOBUFECZFQPTJUTTBWJOHTSFTQFDUJWFMZBNPVOUJOHUP BOEPGUIFUPUBM5IJSE1BSUZVOETBOEUIF NBKPSJUZBSFDPSQPSBUFEFQPTJUPST t 5IFJODSFBTFJOUIFCVTJOFTTWPMVNFJTEVFUPUIFmOBODJOH HSPXUI PG BOL +BCBS BOUFO 4ZBSJBI 5IF mOBODJOH performance of bank bjb 4ZBSJBIDPOUJOVFTUPFYQFSJFODF BO JODSFBTF BOE CZ UIF mOBODJOH WPMVNF PG CKC 4ZBSJBIIBTSFBDIFE3QCJMMJPO BOJODSFBTFPG DPNQBSFEUPUIFQSFWJPVTZFBS Development of Equity Capital RVJUZDPOTJTUTPGQBJEJODBQJUBMBOESFUBJOFEFBSOJOHTPO FDFNCFS BNPVOUJOH UP 3Q CJMMJPO PS BO JODSFBTF of 1.75 compared to the position in December 2013. This JODSFBTFXBTEVFUPOFUJODPNFSFDPSEFECZ bjb 4ZBSJBIBUUIF FOEPGXIJDISFBDIFE3QCJMMJPO 5HYHQXH[SHQVHVDQG3URÀW VSJOH UIF mTDBM ZFBS QFSJPE UIF HSPXUI PG SFWFOVFT FYQFOTFTBOEQSPmUTPG bank bjb 4ZBSJBIBSFBTGPMMPXT • Operating income of bjb 4ZBSJBI BNPVOUFE UP 3QCJMMJPO JOXIJDIUIFBNPVOUPGJODPNFEFSJWFEGSPN GVOE EJTCVSTFNFOUT JO UIF BNPVOU PG 3Q CJMMJPO BOE 3QCJMMJPOEFSJWFEGSPNPUIFSPQFSBUJOHJODPNF • Operating expenses of bjb 4ZBSJBI BNPVOUFE UP 3Q CJMMJPO DPOTJTUT PG UIF MBCPS FYQFOTF PG 3Q CJMMJPO HFOFSBM BOE BENJOJTUSBUJWF FYQFOTFT PG 3Q CJMMJPO UIF FYQFOTF GPS UIF OFU QSPEVDUJWF BTTFUT MPTTFT PG 3Q CJMMJPO BOE UIF SFTU PG PUIFS DPTUT XIJDI BNPVOUFEUP3QCJMMJPO t FUJODPNFPG bjb 4ZBSJBIJOFDFNCFSBNPVOUFEUP 3QCJMMJPO . Financial Ratios BQJUBM EFRVBDZ 3BUJP 3 PG bank bjb 4ZBSJBI JO December 2014 amounted to 15.78, a decrease compared UPUIFTBNFQFSJPEUIFQSFWJPVTZFBS XIJDIXBTJOBQPTJUJPO PG Earning Ratio: 3FUVSO 0O TTFU o 30 PG PO FDFNCFS DPNQBSFEUPPOFDFNCFS BISNIS SYARIAH Ikhtisar Saham Obligasi Analisa Pembahasan atas Kinerja Perseroan Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan Laporan Keuangan Konsolidasian Data Perusahaan 183 bank bjb Annual Report 2014 4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data bank bjb Annual Report 2014 183 NCBM BTJM LVJUBT Return On Equity o 30 TFCFTBS QBEBFTFNCFSEJCBOEJOHLBO QBEB Desember 2013. 1FOVSVOBO 30 EBO 30 EJTFCBCLBO PMFI SBTJP 010 ZBOH NFOHBMBNJ QFOJOHLBUBO EJCBOEJOHLBO EFOHBO UBIVOTFCFMVNOZB - FU OUFSFTU .BSHJO . QBEB UBIVO TFCFTBS 8,34, mengalami peningkatan dibandingkan posisi pada FTFNCFSTFCFTBS Beban Operasional terhadap Pendapatan Operasional 010 TFCFTBS .FOHBMBNJ QFOJOHLBUBO EJCBOEJOHLBOQPTJTJQBEBFTFNCFSTFCFTBS Per 31 Desember 2014, Financing Deposit Ratio 3 apabila dibandingkan dengan Desember 2013 sebesar ,POEJTJUFSTFCVUEJTFCBCLBOQFOJOHLBUBO1,ZBOH MFCJIUJOHHJEJCBOEJOHLBOQFOJOHLBUBOWPMVNFQFNCJBZBBO EJNBOB 1, NFOJOHLBU TFCFTBS 3Q NJMJBS TFEBOHLBO QFNCJBZBBOIBOZBNFOJOHLBUTFCFTBS3QNJMJBS Kualitas aset produktif per 31 Desember 2014 rasio-rasio UFSLBJUEFOHBOLVBMJUBTBLUJWBQSPEVLUJGBOUBSBMBJO - Piutang Murabahah FU 1FSGPSNJOH JOBODJOH 1 SPTT FU1FSGPSNJOHJOBODJOH 1 FU - Piutang Istishna FU1FSGPSNJOHJOBODJOH 1 Gross FU1FSGPSNJOHJOBODJOH 1 FU 72,08. - Pinjaman Qardh FU1FSGPSNJOHJOBODJOH 1 Gross FU1FSGPSNJOHJOBODJOH 1 FU 0,00. 1FNCJBZBBO .VEIBSBCBI FU 1FSGPSNJOH JOBODJOH 1 Gross 0,35, FU 1FSGPSNJOH JOBODJOH 1 FU 1FNCJBZBBO .VTZBSBLBI FU 1FSGPSNJOH JOBODJOH 1 Gross FU1FSGPSNJOHJOBODJOH 1 FU 12,50. 3FUVSO 0O RVJUZ o 30 PG PO FDFNCFS DPNQBSFEUPPOFDFNCFS 5IFJODSFBTFJO30BOE30BSFEVFUPUIF010SBUJP XIJDIEFDSFBTFEDPNQBSFEUPUIFQSFWJPVTZFBS FU OUFSFTU .BSHJO . JO BNPVOUFE UP a increase compared to the position in December 2013 XIJDIBNPVOUFEUP 0QFSBUJOHYQFOTFTUP0QFSBUJOHODPNF 010 PG Increased compared to the position in December 2013 which XBT TPGFDFNCFS UIFJOBODJOHFQPTJU3BUJP 3 was 82.02 compared to December 2013 which amounted to 5IFDPOEJUJPOJTEVFUPBOJODSFBTFJOUIFmOBODJOH WPMVNFUIBUJTOPUNBUDIFECZBOJODSFBTFJOEFQPTJUT JOXIJDI mOBODJOHJODSFBTFECZ3Q CJMMJPO XIJMF1,JODSFBTFE CZPOMZ3QCJMMJPO 5IF RVBMJUZ PG QSPEVDUJWF BTTFUT BT PG FDFNCFS SBUJPTBTTPDJBUFEXJUIBTTFUTRVBMJUZ BNPOHPUIFST .VSBCBIBI3FDFJWBCMFTFU1FSGPSNJOHJOBODJOH 1 SPTT FU1FSGPSNJOHJOBODJOH 1 FU TUJTIOB 3FDFJWBCMFT FU 1FSGPSNJOH JOBODJOH 1 SPTT FU 1FSGPSNJOH JOBODJOH 1 FU 72.08. 2BSEI-PBOFU1FSGPSNJOHJOBODJOH 1 SPTT FU1FSGPSNJOHJOBODJOH 1 FU .VEIBSBCBIJOBODJOHFU1FSGPSNJOHJOBODJOH 1 SPTT FU1FSGPSNJOHJOBODJOH 1 FU .VTZBSBLBIJOBODJOHFU1FSGPSNJOHJOBODJOH 1 SPTT FU 1FSGPSNJOH JOBODJOH 1 FU 12.50. SHARIA BUSINESS 4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ Consolidated Financial Statements Corporate Data 184 bank bjb Laporan Tahunan 2014 LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO bank bjb Laporan Tahunan 2014 184 Pendirian 1BEB UBIVO ,BCVQBUFO BSVU NFOEJSJLBO -FNCBHB Keuangan dengan nama Lembaga Perkreditan Kecamatan LPK berdasarkan Surat Keputusan Gubernur Kepala BFSBI5JOHLBU+BXBBSBUPNPS4,UFOUBOH Pembentukan Lembaga Perkreditan Kecamatan LPK di 1SPWJOTJ+BXBBSBU1BEBUBOHHBM+VMJ1-1,EJ ,BCVQBUFOBSVUTFMBOKVUOZBCFSVCBITUBUVTNFOKBEJ113 -1, CFSEBTBSLBO ,FQVUVTBO .FOUFSJ ,FVBOHBO 3FQVCMJL Indonesia. Pemerintah Provinsi Jawa Barat telah mengeluarkan beberapa kebijakan terkait dengan pengembangan PD. 13 NJMJL CFSTBNB 1FNFSJOUBI 1SPWJOTJ +BXB BSBU EBO Banten, Pemerintah Kabupaten dan PT Bank Pembangunan BFSBI+BXBBSBU 5CL EFOHBOEJLFMVBSLBOOZB1FSEBP UBIVOUFOUBOH1FSVCBIBOBUBT1FSEBPUBIVO UFOUBOH113EBO11,ZBOHEJBOUBSBOZBNFOHBUVS mengenai penggabungan melalui konsolidasi atau merger 113EJTFUJBQ,BCVQBUFONFOKBEJ TBUV 113 Sesuai surat ijin Sesuai Surat Keputusan Deputi Gubernur BOL OEPOFTJB P ,1Q UBOHHBM 0LUPCFS ZBOH EJTBNQBJLBO PMFI BOEVOH NFMBMVJ TVSBU P,6EEUBOHHBM0LUPCFSQFSJIBM 1FNCFSJBO [JO 1FOHHBCVOHBO 6TBIB .FSHFS 1 13 -1, ,BC BSVU BSVU ,PUB 4VLBXFOJOH BZPOHCPOH Cikajang, Banjarwangi, Cibalong dan Leuwigoong ke dalam 113-1,BSVU,PUB ZBOHUFMBICFSPQFSBTJTFKBLUBOHHBM FTFNCFS NFMBMVJQFOVUVQBOOFSBDBEBONFOZVTVO OFSBDB QFNCVLBBO 1 13 IBTJM NFSHFS QBEB UBOHHBM FTFNCFS TFSUB QFOHVNVNBO 1 13 IBTJM NFSHFS tanggal 27 Desember 2011. Setelah penggabungan usaha 113-1,BSVU,PUBIJOHHBTBBUJOJCFSLFNCBOHNFOKBEJ 1 satu kantor pusat, 7 tujuh kantor cabang dan 4 empat kantor kas. Establishment O UIFBSVU3FHFODZFTUBCMJTIFEBmOBODJBMJOTUJUVUJPO with the name of District Credit Insitution Lembaga Perkreditan Kecamatan - LPK based on the Decree of the Governor of 8FTU+BWBP4,POUIFTUBCMJTINFOUPGUIF District Credit Institution LPK in West Java Province. On +VMZ UIF -1, USBEJOH DPNQBOZ JO BSVU 3FHFODZ TVCTFRVFOUMZ DIBOHFE JUT TUBUVT UP 3VSBM BOL 5SBEJOH PNQBOZJTUSJDUSFEJUOTUJUVUJPO 113-1, CBTFEPOUIF FDSFFPGUIF.JOJTUSZPGJOBODFPGUIF3FQVCMJDPGOEPOFTJB The West Java Provincial Government has issued several QPMJDJFT SFMBUFE UP UIF EFWFMPQNFOU PG 3VSBM BOL 5SBEJOH PNQBOZ 113 XIJDIKPJOUMZCFMPOHTUPUIFHPWFSONFOU PG 8FTU +BWB BOE BOUFO UIF HPWFSONFOU PG UIF 3FHFODZ and PT Bank Pembangunan Daerah Jawa Barat, Tbk, XJUI UIF JTTVBODF PG 3FHVMBUJPO P :FBS PO UIF NFOENFOUPG3FHVMBUJPOP:FBSPO113BOE PD. The regulation among others regulates merger through DPOTPMJEBUJPOPSNFSHFSPG113JOFBDIPGUIFEJTUSJDUUP POF 113 5IF FDSFF PG UIF FQVUZ PWFSOPS PG BOL OEPOFTJB P ,1Q EBUFE 0DUPCFS TVCNJUUFE CZ BOEVOH UISPVHI UIF MFUUFS P ,6E Bd dated October 17, 2011 released the granting of Merger QFSNJUPGUIF113-1,JOBSVU3FHFODZ BSVU,PUB 4VLBXFOJOH BZPOHCPOH JLBKBOH BOKBSXBOHJ JCBMPOH BOE-FVXJHPPOH JOUP113-1,BSVU,PUB113-1, Garut Kota has been operating since December 27, 2011, upon the closing of the balance sheet and the formulation of BOPQFOJOHCBMBODFTIFFUPGUIF113NFSHFEJOFDFNCFS BOE UIF BOOPVODFNFOU PG UIF SFTVMU PG 1 13 merger in December 27, 2011. After the merger until now, PD 13-1,BSVU,PUBIBTEFWFMPQFEJOUP POF IFBEPGmDF seven branches and 4 four treasuries. PD BPR LPK GARUT KOTA PD BPR LPK GARUT KOTA PD BPR LPK GARUT KOTA Ikhtisar Saham Obligasi Analisa Pembahasan atas Kinerja Perseroan Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan Laporan Keuangan Konsolidasian Data Perusahaan 185 bank bjb Annual Report 2014 4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data bank bjb Annual Report 2014 185 bank bjb Annual Report 2014 Kegiatan Usaha 4FTVBJ EFOHBO 66 P UFOUBOH 1FSCBOLBO TFCBHBJNBOBUFMBIEJVCBIEFOHBO66PBMBN66 UFSTFCVU TFDBSB UFHBT EJTFCVULBO CBIXB 13 BEBMBI BOL ZBOHNFMBLTBOBLBOLFHJBUBOVTBIBTFDBSBLPOWFOTJPOBMBUBV CFSEBTBSLBO QSJOTJQ TZBSJBI ZBOH EBMBN LFHJBUBOOZB UJEBL NFNCFSJLBO KBTB EBMBN MBMV MJOUBT QFNCBZBSBO ,FHJBUBO VTBIB 13 UFSVUBNB EJUVKVLBO VOUVL NFMBZBOJ VTBIBVTBIB LFDJM EBO NBTZBSBLBU EJ EBFSBI QFEFTBBO FOUVL IVLVN 13EBQBUCFSVQB1FSTFSPBO5FSCBUBT 1FSVTBIBBOBFSBI atau Koperasi. Pengurus PD BPR LPK Garut Kota JSFLTJEBOFXBO1FOHBXBT1FSJPEF13BSVU,PUB DireksiBoard of Directors JabatanPosition NamaName Direktur Utama President Director Drs. Aam Muhamad, MM Direktur Director Dani hadian, ST, MM Dewan PengawasSupervisory Board JabatanPosition NamaName Ketua Chairman Tedi Kusnadi, SE, MM Anggota Member STFEJ4VUBSEJBUBNJIBSKB Kinerja t TFU113-1,BSVU,PUBQBEBCVMBOFTFNCFS NFOJOHLBU TFCFTBS 3Q KVUB BUBV TFCFTBS dibandingkan setahun lalu Desember 2013 sebesar 3Q KVUB NFOKBEJ 3Q KVUB EJ FTFNCFS 2014. • Peningkatan tersebut terutama dipengaruhi oleh NFOJOHLBUOZB QJOKBNBO ZBOH EJUFSJNB EBO QFOJOHLBUBO DPK t 1JOKBNBOZBOHJUFSJNBQPTJTJFTFNCFSNFOHBMBNJ QFOJOHLBUBO TFCFTBS 3Q KVUB BUBV EBSJ FTFNCFS TFCFTBS 3Q KVUB NFOKBEJ 3QKVUBEJCVMBOFTFNCFS • Dana Tabungan posisi Desember 2014 tumbuh sebesar 3Q KVUB BUBV TFCFTBS EJCBOEJOHLBO EFOHBOFTFNCFSTFCFTBS3QKVUBNFOKBEJ 3QKVUB • Dana Deposito posisi Desember 2014 meningkat sebesar 3QKVUBBUBVUVNCVITFCFTBS EJCBOEJOHLBO EFOHBOFTFNCFSTFCFTBS3QKVUBNFOKBEJ TFCFTBS3QKVUB Business Activities O BDDPSEBODF UP DU P PO BOLJOH BT BNFOEFE CZ-BXP UIFMBXFYQMJDJUMZNFOUJPOFEUIBU3VSBM BOL 13 JT B BOL DPOEVDUJOH DPOWFOUJPOBM CVTJOFTT PSCBTFEPOTIBSJBQSJODJQMFTJOXIJDIXJUIJOJUTBDUJWJUZUIF BOL EPFT OPU QSPWJEF TFSWJDFT JO QBZNFOU USBOTBDUJPOT 13CVTJOFTTBDUJWJUJFTBSFQSJNBSJMZJOUFOEFEUPTFSWFTNBMM businesses and the communities in rural areas. The legal form PG13JTB-JNJUFE-JBCJMJUZPNQBOZ 3FHJPOBMPNQBOZ PS Cooperative. The Management of PD BPR LPK Garut City 5IFPBSEPGJSFDUPSTBOEUIF4VQFSWJTPSZPBSEPG13BSVU,PUB Performance t 5IFBTTFUTPG113-1,BSVU,PUBJOFDFNCFS JODSFBTFE CZ 3Q NJMMJPO PS BOE CFDBNF 3Q NJMMJPO DPNQBSFE UP 3Q NJMMJPO JO December 2013. t 5IF JODSFBTF XBT NBJOMZ JOnVFODFE CZ UIF JODSFBTF JO MPBOTBOEUIFJODSFBTFJOUIJSEQBSUZGVOET t -PBOT BT PG FDFNCFS JODSFBTFE CZ 3Q NJMMJPO PS BOE CFDBNF 3Q NJMMJPO GSPN 3Q NJMMJPOJOFDFNCFS t 4BWJOHT BT PG FDFNCFS HSFX CZ 3Q NJMMJPO PS BOE CFDBNF 3Q NJMMJPO DPNQBSFE UP 3Q NJMMJPOFDFNCFS t 5JNF FQPTJUT BT PG FDFNCFS JODSFBTFE CZ 3Q NJMMJPO BO JODSFBTF PG BOE CFDBNF 3Q NJMMJPODPNQBSFEUPUIFOVNCFSJOFDFNCFS XIJDIBNPVOUFEUP3Q NJMMJPO PD BPR LPK GARUT KOTA 4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ Consolidated Financial Statements Corporate Data 186 bank bjb Laporan Tahunan 2014 LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO bank bjb Laporan Tahunan 2014 186 t BSJ TJTJ QFOZBMVSBO EBOB ,SFEJU UVNCVI TFCFTBS 3Q KVUB BUBV TFCFTBS EJCBOEJOHLBO EFOHBO QPTJTJ FTFNCFS TFCFTBS 3Q KVUB NFOKBEJTFCFTBS3QKVUB TFEBOHLBOOUBSBOL Aktiva pada bulan Desember 2014 meningkat sebesar 3QKVUB BUBVUVNCVITFCFTBS EJCBOEJOHLBO dengan bulan Desember 2013. Perkembangan Ekuitas LVJUBT QBEB FTFNCFS NFODBQBJ 3Q KVUB atau meningkat 20,08 dibandingkan posisi Desember 2013. 1FOJOHLBUBOJOJUFSVUBNBEJQFOHBSVIJPMFIBEBOZBUBNCBIBO TFUPSBONPEBMEBSJQFNFHBOHTBIBN ZBJUV1FNQSPW+BXB BSBUEBO1FNLBCBSVUTFCFTBS3QKVUBTFSUBUFSEBQBU MBCBZBOHEJCVLVLBOPMFI113-1,BSVU,PUBQBEBBLIJS UBIVOTFCFTBS3QKVUB Laba Tahun Berjalan Laba Tahun Berjalan bulan Desember 2014 adalah sebesar 3QKVUB1FSUVNCVIBOMBCBUFSTFCVUUFSVUBNBEJUPQBOH PMFI QFOJOHLBUBO QFOEBQBUBO CVOHB TFCFTBS 3Q KVUB BUBV EBSJ FTFNCFS TFCFTBS 3Q KVUB NFOKBEJ3QKVUBEJFTFNCFS Rasio-Rasio Keuangan t 3BTJP313BSVU,PUBQBEBCVMBOFTFNCFS mengalami penurunan dari Desember 2013 sebesar 22,17 menjadi 20,12 di Desember 2014. • Cash Ratio 3 QPTJTJ FTFNCFS BEBMBI TFCFTBS 33,05. t 3BTJP-3113-1,BSVU,PUBCVMBOFTFNCFS NFOHBMBNJ QFOJOHLBUBO TFCFTBS EBSJ FTFNCFS TFCFTBS NFOKBEJ ZBOHEJTFCBCLBO PMFI QFOJOHLBUBO BOB ZBOH MFCJI UJOHHJ EJCBOEJOHLBO dengan peningkatan Kredit, dimana Dana meningkat TFCFTBS 3Q KVUB TFEBOHLBO ,SFEJU NFOJOHLBU TFCFTBS3QKVUB • Kualitas aset produktif KAP per 31 Desember 2014 PD 13-1,BSVU,PUBBEBMBITFCFTBS t 3BTJP1-QPTJTJFTFNCFSNFOHBMBNJQFOVSVOBO LVBMJUBT TFCFTBS EBSJ CVMBO FTFNCFS TFCFTBS NFOKBEJTFCFTBS 4FJSJOHEFOHBO QFOJOHLBUBO SBTJP 1- SBTJP 111 NFOJOHLBU EBSJ FTFNCFS TFCFTBS NFOKBEJ EJ Desember 2014. t O UFSNT PG UIF EJTUSJCVUJPO PG GVOET DSFEJU HSFX CZ 3Q NJMMJPO PS BOE CFDBNF 3Q million compared to the position in December 2013 which BNPVOUFEUP3Q NJMMJPO NFBOXIJMFUIFJOUFSCBOL BTTFUTJOFDFNCFSJODSFBTFECZ3Q NJMMJPO PS HSFXCZDPNQBSFEUPOVNCFSJOFDFNCFS Development of Equity RVJUZBTPGFDFNCFS BNPVOUFEUP3Q NJMMJPO an increase of 20.08 compared to December 2013. The JODSFBTFXBTNBJOMZJOnVFODFECZUIFQSFTFODFPGBEEJUJPOBM DBQJUBMDPOUSJCVUFECZTIBSFIPMEFST OBNFMZUIFHPWFSONFOU PG8FTU+BWB1SPWJODFBOEUIFHPWFSONFOUPGBSVU3FHFODZ BNPVOUFE3Q NJMMJPOBOEFBSOJOHTQPTUFECZ113 LPK Garut Kota as of the end of 2014 which amounted to 3Q NJMMJPO XUUHQWHDU3URÀW VSSFOU :FBS 1SPmU BT PG FDFNCFS BNPVOUFE UP 3Q NJMMJPO5IFQSPmUHSPXUIXBTNBJOMZTVQQPSUFECZ UIFJODSFBTFJOJOUFSFTUJODPNFPG3Q NJMMJPOPS GSPN3Q NJMMJPOJOFDFNCFSUP3Q NJMMJPO in December 2014. Financial Ratios t 13BSVU,PUBT3BTPGFDFNCFSEFDSFBTFE from 22.17 in December 2013 to 20.12 in December 2014. t BTI 3BUJP 3 BT PG FDFNCFS BNPVOUFE UP 33.05. t 1 13 -1, BSVU ,PUBT -3 BT PG FDFNCFS JODSFBTFE CZ GSPN JO FDFNCFS UP JOFDFNCFSEVFUPUIFIJHIFSJODSFBTFJO funds compared to the increase in loans, where funds JODSFBTFECZ3Q NJMMJPOXIJMFMPBOTPOMZJODSFBTFE CZ3Q NJMMJPO t 113-1,BSVU,PUBTQSPEVDUJWFBTTFUTRVBMJUZ ,1 as of December 31, 2014 amounted to 3.08. t 5IFRVBMJUZPG1-SBUJPBTPGFDFNCFSEFDSFBTFE CZGSPNJOFDFNCFSUPMPOH XJUIUIFJODSFBTFJO1-SBUJP 111SBUJPJODSFBTFEGSPN JOFDFNCFSUPJOFDFNCFS PD BPR LPK GARUT KOTA Ikhtisar Saham Obligasi Analisa Pembahasan atas Kinerja Perseroan Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan Laporan Keuangan Konsolidasian Data Perusahaan 187 bank bjb Annual Report 2014 4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data bank bjb Annual Report 2014 187 t 3BTJP 30 EJ CVMBO FTFNCFS NFOHBMBNJ penurunan sebesar 0,3 dibandingkan dengan bulan FTFNCFSEBSJTFCFTBS NFOKBEJ ZBOH dipengaruhi oleh peningkatan rasio BOPO dari sebesar NFOKBEJ ZBOH EJEPNJOBTJ PMFI CFCBO CVOHB EJJLVUJ EFOHBO CFCBO QFOZVTVUBOQFOHIBQVTBO ZBOH NBTJOHNBTJOH NFOHBMBNJ QFOJOHLBUBO TFCFTBS 3QKVUBEBO3QKVUB t 30JOFDFNCFSEFDSFBTFECZOBNFMZGSPN UPXIJDIXBTJOnVFODFECZUIFJODSFBTFJO operating expense to operating revenue ratio from 84.32 UP XIJDI XBT EPNJOBUFE CZ JOUFSFTU FYQFOTFT BOE GPMMPXFE CZ EFQSFDJBUJPOXSJUFPGG FYQFOTFT XIJDI SFTQFDUJWFMZ JODSFBTFE CZ 3Q NJMMJPO BOE 3Q million. PD BPR LPK GARUT KOTA 4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ Consolidated Financial Statements Corporate Data 188 bank bjb Laporan Tahunan 2014 LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO bank bjb Laporan Tahunan 2014 188 Pendirian 1FSVTBIBBOBFSBIBOL1FSLSFEJUBO3BLZBU-1,+BMBODBHBL didirikan berdasarkan Surat Keputusan Bupati kepala daerah UJOHLBU 4VCBOH P 451QF4, UBOHHBM 4FQUFNCFS EFOHBO OBNB 1 BEBO 1FSLSFEJUBO Pasar Jalancagak. Berdasarkan Surat Keputusan Bupati ,FQBMBBFSBI5JOHLBU4VCBOHP1UBOHHBM 4FQUFNCFSEJVCBINFOKBEJ1FSVTBIBBOBFSBIBOL 1FSLSFEJUBO3BLZBU-1,+BMBODBHBL ,FHJBUBOVTBIB1FSVTBIBBOBFSBIBOL1FSLSFEJUBO3BLZBU LPK Jalancagak telah memperoleh izin dari Departemen ,FVBOHBO 3FQVCMJL OEPOFTJB NFMBMVJ 4VSBU ,FQVUVTBO .FOUFSJ ,FVBOHBO P ,1,. UBOHHBM FCSVBSJTFSUBEBSJBOLOEPOFTJB EFOHBOTVSBUP 613E3EUBOHHBMQSJM Dengan Izin Prinsip berdasarkan Keputusan Deputi Gubernur BOLOEPOFTJBP,1QUBOHHBMHVTUVT 2011 tentang Pemberian Izin Penggabungan Usaha Merger 1 13 -1, JTBMBL 1 13 -1, 1BHBEFO 1 13 -1, 1VSXBEBEJEBO113-1,1BNBOVLBOLFEBMBN113 LPK Jalancagak. Penggabungan usaha merger 113-1,+-, UFSIJUVOHUBOHHBM4FQUFNCFSBEBMBIZBOHQFSUBNBEJ Jawa Barat dan telah dicatat dalam administrasi pengawasan BOL OEPOFTJB CFSEBTBSLBO 4VSBU BOL OEPOFTJB PNPS ,6EEUFOUBOH1FMBLTBOBBO.FSHFS113 LPK Jalancagak. Pada tahun 2012, bank bjb UFMBINFOHBLVJTJTJ113-1, Jalancagak sesuai dengan Surat Keputusan Bank Indonesia P,1EUBOHHBM4FQUFNCFS Establishment 1 13 -1, +BMBODBHBL XBT FTUBCMJTIFE CBTFE PO UIF FDSFF PG UIF 3FHFOU PG 4VCBOH P 451QF 4,EBUFE4FQUFNCFS XJUIUIFOBNF1131BTBS +BMBODBHBLBTFEPOUIFFDSFFPGUIF3FHFOUPG4VCBOH P1EBUFE4FQUFNCFS UIFPNQBOZXBT DIBOHFEJOUP113-1,+BMBODBHBL 5IFCVTJOFTTBDUJWJUJFTPG113-1,+BMBODBHBLPCUBJOFE QFSNJTTJPO GSPN UIF .JOJTUSZ PG JOBODF PG UIF 3FQVCMJD PG OEPOFTJBUISPVHIUIFFDSFFPGUIF.JOJTUFSPGJOBODFP ,1,.EBUFEFCSVBSZ BOEGSPNBOL OEPOFTJBUISPVHIMFUUFSP613E3EEBUFEQSJM 8JUI 1SJODJQMF 1FSNJU CBTFE PO UIF FDSFF PG UIF FQVUZ PWFSOPS PG BOL OEPOFTJB P ,1Q EBUFE VHVTU POUIF3FMFBTFPG1FSNJUGPSUIFNFSHFSPG 1 13 -1, JTBMBL 1 13 -1, 1BHBEFO 1 13 -1, 1VSXBEBEJ BOE 1 13 -1, 1BNBOVLBO JOUP 1 13 -1, Jalancagak. 5IFNFSHFSPG13-1,+BMBODBHBLDPNNFODJOH4FQUFNCFS XBTUIFmSTUUPCFDPOEVDUFEJO8FTU+BWBBOEIBT been recorded in Bank Indonesia’s supervision administration CBTFE PO BOL OEPOFTJB -FUUFS P ,6EE POUIFJNQMFNFOUBUJPOPGNFSHFSPG113-1,+BMBODBHBL In 2012, bank bjb IBTBDRVJSFE113-1,+BMBODBHBLJO BDDPSEBODFXJUIUIFFDSFFPGBOLOEPOFTJBP,1 GBIBd2012 dated September 28, 2012. PD BPR LPK JALANCAGAK PD BPR LPK JALANCAGAK Ikhtisar Saham Obligasi Analisa Pembahasan atas Kinerja Perseroan Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan Laporan Keuangan Konsolidasian Data Perusahaan 189 bank bjb Annual Report 2014 4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data bank bjb Annual Report 2014 189 bank bjb Annual Report 2014 Pengurus PD BPR LPK Jalancagak JSFLTJEBOFXBO1FOHBXBT1FSJPEF13-1,+BMBODBHBL DireksiBoard of Directors Jabatan NamaName Direktur Utama President Director ST0NBO4VOBOEBS Direktur Director ST.BNBO4VLJSNBO .1 Dewan PengawasSupervisory Board Jabatan NamaName Ketua Chairman Drs. Sarpan Sujana Anggota Member FUUZ+VJUBOJOHSVN 41 Kinerja JOHHB FTFNCFS BTFU 1 13 -1, +BMBODBHBL NFOJOHLBU EJCBOEJOHLBO QFSJPEF ZBOH TBNB UBIVO TFCFMVNOZB BSJ 3Q KVUB NFOKBEJ TFCFTBS 3QKVUB Perkembangan penghimpunan Dana Pihak Ketiga DPK BEBMBITFCBHBJCFSJLVU t 1, ZBOH CFSBTBM EBSJ QSPEVL 5BCVOHBO EBO FQPTJUP NFOJOHLBU TFCFTBS BUBV 3Q KVUB ZBJUV EBSJ 3Q KVUB QBEB FTFNCFS NFOKBEJ 3Q juta pada 31 Desember 2014. t 1SPEVL5BCVOHBONFOJOHLBU3QKVUBBUBV EBSJ 3QKVUBEJFTFNCFSNFOKBEJ3QKVUB pada Desember 2014. t 1SPEVL FQPTJUP NFOJOHLBU TFCFTBS 3Q KVUB BUBV EBSJ TFCFTBS 3Q KVUB EJ FTFNCFS NFOKBEJ3QKVUBEJFTFNCFS Perkembangan Ekuitas Modal Ekuitas terdiri dari modal disetor dan saldo laba pada 31 FTFNCFS TFCFTBS 3Q KVUB BUBV NFOJOHLBU EJCBOEJOHLBO QPTJTJ QBEB FTFNCFS 1FOJOHLBUBOJOJUFSVUBNBEJTFCBCLBOPMFIBEBOZBUBNCBIBO modal disetor oleh Pemerintah Provinsi Jawa Barat sebesar 3QKVUBQBEBFTFNCFS Pendapatan, Beban, dan Laba Selama periode tahun buku 2014, pertumbuhan pendapatan, CFCBO EBO MBCB 1 13 -1, +BMBODBHBL BEBMBI TFCBHBJ CFSJLVU t 1FOEBQBUBO PQFSBTJPOBM 1 13 -1, +BMBODBHBL TFCFTBS3QKVUB EJNBOBKVNMBIUFSTFCVUCFSBTBM EBSJ QFOEBQBUBO QFOZBMVSBO EBOB 3Q KVUB EBO Management of PD BPR LPK Jalancagak PBSEPGJSFDUPSTBOE4VQFSWJTPSZPBSEPG13-1,+BMBODBHBLJOUIF Period of 2014-2015 Performance 6OUJMFDFNCFS UIFBTTFUTPG113-1,+BMBODBHBL JODSFBTFE DPNQBSFE UP UIF TBNF QFSJPE JO UIF QSFWJPVTZFBS OBNFMZGSPN3Q NJMMJPOUP3Q million. 5IFEFWFMPQNFOUPGUIJSEQBSUZGVOET 51 JTBTGPMMPXT • TPK derived from Savings and Deposits products JODSFBTFE CZ PS 3Q NJMMJPO GSPN 3Q NJMMJPOJOFDFNCFSUP3Q NJMMJPOJOFDFNCFS 31, 2014. t 4BWJOHT JODSFBTFE CZ 3Q NJMMJPO PS GSPN 3Q NJMMJPOJOFDFNCFSUP3Q NJMMJPOJO December 2014. t FQPTJUT JODSFBTFE CZ 3Q NJMMJPO PS GSPN 3Q NJMMJPOJOFDFNCFSUP3Q NJMMJPOJO December 2014. Development of Equity Capital RVJUZ DPOTJTUT PG QBJEJO DBQJUBM BOE SFUBJOFE FBSOJOHT BU FDFNCFS BNPVOUFE UP 3Q NJMMJPO BO JODSFBTF PG DPNQBSFE UP UIF QPTJUJPO JO FDFNCFS 5IF JODSFBTF XBT QSJNBSJMZ EVF UP BEEJUJPOBM QBJEJO DBQJUBMCZUIFPWFSONFOUPG8FTU+BWB1SPWJODFPG3Q million at December 31, 2014. 5HYHQXH[SHQVHDQG3URÀW VSJOH UIF QFSJPE PG UIF mTDBM ZFBS UIF HSPXUI PG SFWFOVF FYQFOTFBOEQSPmUPG113-1,+BMBODBHBLJTBT GPMMPXT t 0QFSBUJOHJODPNFPG113-1,+BMBODBHBLBNPVOUFE UP3Q NJMMJPO JOXIJDIUIFBNPVOUXBTEFSJWFEGSPN the income from the distribution of funds with the amount of 4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ Consolidated Financial Statements Corporate Data 190 bank bjb Laporan Tahunan 2014 LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO bank bjb Laporan Tahunan 2014 190 TJTBOZB3QKVUBCFSBTBMEBSJQFOEBQBUBOPQFSBTJPOBM MBJOOZB t FCBO PQFSBTJPOBM 1 13 -1, +BMBODBHBL 3Q KVUBUFSEJSJEBSJCFCBOUFOBHBLFSKB3QKVUB CFCBO CVOHB 3Q KVUB CFCBO BENJOJTUSBTJ EBO VNVN 3Q KVUB CFCBO QFOZJTJIBO LFSVHJBO BTFU QSPEVLUJG CFSTJI 3Q KVUB EBO TJTBOZB CFSVQB CFCBO MBJOOZB TFCFTBS3QKVUB t -BCB CFSTJI 1 13 -1, +BMBODBHBL QBEB FTFNCFS TFCFTBS3QKVUB Rasio-Rasio Keuangan 3BTJP QFSNPEBMBO 3 1 13 -1, +BMBODBHBL QBEB FTFNCFS TFCFTBS NFOHBMBNJ QFOJOHLBUBO EJCBOEJOHLBO QFSJPEF ZBOH TBNB UBIVO TFCFMVNOZB ZBOH CFSBEBEJQPTJTJ 3BTJPSFOUBCJMJUBT - Imbal hasil Aset Return On Asset 30 TFCFTBS QBEBFTFNCFS EJCBOEJOHLBO QBEB Desember 2013. NCBM BTJM LVJUBT Return On Equity 30 TFCFTBS QBEBFTFNCFSEJCBOEJOHLBO QBEB Desember 2013. 1FOVSVOBO30EBO30EJTFCBCLBOPMFIQFSPMFIBOMBCB ZBOHMFCJISFOEBIEJCBOEJOHLBOUBIVOTFCFMVNOZBTFSUB SBTJP010ZBOHNFOHBMBNJQFOJOHLBUBOEJCBOEJOHLBO EFOHBOUBIVOTFCFMVNOZB - FU OUFSFTU .BSHJO . QBEB UBIVO TFCFTBS NFOHBMBNJQFOVSVOBOEJCBOEJOHLBOQPTJTJQBEB Desember 2013 sebesar 13,31. - Beban Operasional terhadap Pendapatan Operasional 010 TFCFTBS .FOHBMBNJ QFOJOHLBUBO dibandingkan posisi pada Desember 2013 sebesar 1FSFTFNCFS -POHFQPTJU3BUJP-3 apabila dibandingkan dengan Desember 2013 sebesar ,POEJTJ UFSTFCVU EJTFCBCLBO QFOJOHLBUBO 1, ZBOHMFCJIUJOHHJEJCBOEJOHLBOQFOJOHLBUBOLSFEJUZBOH EJCFSJLBO EJNBOB 1, NFOJOHLBU TFCFTBS TFEBOHLBO LSFEJU ZBOH EJCFSJLBO IBOZB NFOJOHLBU sebesar 13,14. - Kualitas aset produktif KAP per 31 Desember 2014 PD 13-1,+BMBODBHBLBEBMBITFCFTBS 1- QFS FTFNCFS 1 13 -1, +BMBODBHBL adalah sebesar 3,87. 3Q NJMMJPOBOE3Q NJMMJPOGSPNPUIFSPQFSBUJOH income. t 0QFSBUJOHFYQFOTFTPG113-1,+BMBODBHBLBNPVOUFE UP3Q NJMMJPOXIJDIDPOTJTUTPG3Q NJMMJPOPG MBCPSDPTU 3Q NJMMJPOPGJOUFSFTUFYQFOTF 3Q NJMMJPOPGHFOFSBMBOEBENJOJTUSBUJWFFYQFOTFT 3Q million of provision for net loss of productive assets and 3Q NJMMJPOPGUIFPUIFSFYQFOTFT t FUQSPmUPG113-1,+BMBODBHBLJOFDFNCFS BNPVOUFEUP3Q NJMMJPO Financial Ratios BQJUBMBEFRVBDZSBUJP 3 PG113-1,+BMBODBHBLJO FDFNCFSBNPVOUFEUP BOJODSFBTFDPNQBSFE UP UIF TBNF QFSJPE JO UIF QSFWJPVT ZFBS XIJDI XBT JO UIF QPTJUJPOPG 1SPmUBCJMJUZSBUJPT 3FUVSO 0O TTFUT 30 PG JO FDFNCFS DPNQBSFEUPJOFDFNCFS 3FUVSO PO RVJUZ 30 PG JO FDFNCFS compared to 17.07 in December 2013. 5IFEFDMJOFJO30BOE30XFSFDBVTFECZUIFMPXFS QSPmUSFDFJWFEDPNQBSFEUPUIFQSPmUJOUIFQSFWJPVTZFBS BOE010SBUJPJODSFBTFEDPNQBSFEUPUIFQSFWJPVTZFBS FUOUFSFTU.BSHJO . JOBNPVOUFEUP a decrease compared to the position in December 2013 which amounted 13.31. - Operating Expenses to Operating Income BOPO XBT BO JODSFBTF DPNQBSFE UP UIF QPTJUJPO JO FDFNCFSXIJDIBNPVOUFEUP TPGFDFNCFS -POHFQPTJU3BUJPBNPVOUFE UPDPNQBSFEUPJOFDFNCFS5IF DPOEJUJPOXBTDBVTFECZUIFIJHIFSJODSFBTFJOEFQPTJUT compared to the increase in loans, where deposits JODSFBTFE CZ XIJMF MPBOT POMZ JODSFBTFE CZ 13.14. TPGFDFNCFS UIFRVBMJUZPGQSPEVDUJWFBTTFUT ,1 PG113-1,+BMBODBHBLBNPVOUFEUP T PG FDFNCFS UIF 1- PG 1 13 -1, Jalancagak amounted to 3.87. PD BPR LPK JALANCAGAK Ikhtisar Saham Obligasi Analisa Pembahasan atas Kinerja Perseroan Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan Laporan Keuangan Konsolidasian Data Perusahaan 191 bank bjb Annual Report 2014 4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data bank bjb Annual Report 2014 191 bank bjb Syariah - Kerja sama Host to Host untuk meningkatkan brand image perusahaan, memperluas jaringan kantor, serta FmTJFOTJCJBZBLIVTVTOZBUSBOTBLTJNFMBMVJ5.EFOHBO menggunakan jaringan host to host core banking system antara bank bjb dengan bank bjb 4ZBSJBI 1FOJOHLBUBO TFUPSBO NPEBM ZBOH EJMBLVLBO VOUVL memperkuat struktur permodalan modal inti bank bjb 4ZBSJBIBHBSNBTVLLFEBMBN6,6 EVB UFSLBJUEFOHBO BEBOZB QFNCBUBTBO LFHJBUBO VTBIB EBO QFSMVBTBO jaringan berdasarkan Peraturan Bank Indonesia nomor 1 QFSJIBM ,FHJBUBO 6TBIB EBO +BSJOHBO Kantor Berdasarkan Modal Inti Bank. PD BPR LPK Garut Kota dan PD BPR LPK Jalancagak - Perubahan bentuk badan hukum Perusahaan Daerah PD NFOKBEJ1FSTFSPBO5FSCBUBT 15 TFTVBJEFOHBO13 PNPS5BIVOUFOUBOH1FSVCBIBOFOUVLVLVN 1FSVTBIBBOBFSBIBOL1FSLSFEJUBO3BLZBUBTJM.FSHFS di Kabupaten Garut, Kabupaten Subang, Kabupaten JBOKVS EBO ,BCVQBUFO 5BTJLNBMBZB NFOKBEJ 1FSTFSPBO 5FSCBUBTZBOHEJMBLVLBOVOUVLNFNQFSMVBTXJMBZBIEBO QSPEVLVTBIB13EBONFOJOHLBULBOEBZBTBJOHEFOHBO perbankan konvensional. - Kerja sama Host to Host VOUVLNFOJOHLBULBOQFMBZBOBO dan keunggulan produk melalui fasilitas ATM kepada OBTBCBI 13 FmTJFOTJ CJBZB TFSUB NFNQFSLVBU brand image 13 EBO CBOL bjb sebagai satu kesatuan LIVTVTOZBCBHJ13 NFOJOHLBULBOOJMBJKVBM13 - Pemenuhan kewajiban setoran modal untuk memperkuat permodalan perusahaan dan mewujudkan industri 13 ZBOH TFIBU LVBU QSPEVLUJG EBO EJQFSDBZB HVOB mendukung pertumbuhan perekonomian daerah, serta NFODJQUBLBO LPOEJTJ ZBOH LPOEVTJG VOUVL NFOEPSPOH QFOJOHLBUBOLJOFSKB13 3HUXVDKDDQ ÀOLDVL 37 VXUDQVL DQJXQ VNULGD GDQ BPR - Meningkatkan tambahan setoran modal kepada PT Asuransi Bangun Askrida .FMBLVLBO NFSHFS BOUBSB 13 QFS ,BCVQBUFO EFOHBO kepemilikan saham bank bjb minimal 51 dan diutamakan VOUVL13ZBOHTFIBUEBOCFSLJOFSKBCBJL - Merubah bentuk badan hukum dari Perusahaan Daerah PD menjadi Perseroan Terbatas PT setelah merger. bank bjb Sharia PTU UP PTU DPPQFSBUJPO UP JNQSPWF UIF PNQBOZT CSBOEJNBHF FYQBOEUIFPGmDFOFUXPSL BTXFMMBTDPTU FGmDJFODZ FTQFDJBMMZ 5. USBOTBDUJPOT VTJOH UIF IPTU UP IPTUDPSFCBOLJOHTZTUFNOFUXPSLCFUXFFOCBOL bjb and bank bjb Sharia. - Increase paid-up capital to strengthen the capital structure core capital of bank bjb Sharia so as to enter BOOK 2 two related to the restrictions on business activities and FYQBOTJPOPGOFUXPSLCBTFEPOBOLOEPOFTJB3FHVMBUJPO P 1 SFHBSEJOH VTJOFTT DUJWJUJFT BOE 0GmDFFUXPSLBTFEPOUIFBOLTPSFBQJUBM PD BPR LPK Garut Kota and PD BPR LPK Jalancagak 5IFDPOWFSTJPOPGUIFMFHBMGPSNPGFOUJUZGSPN3FHJPOBM PNQBOZ 1 JOUP -JNJUFE -JBCJMJUZ PNQBOZ 15 JO BDDPSEBODF XJUI UIF 3FHJPOBM 3FHVMBUJPO P :FBS 2013 concerning the conversion of the legal form from 3FHJPOBM PNQBOZ PG UIF 3VSBM BOLT 13 SFTVMUFE GSPN.FSHFSJOBSVU 4VCBOH JBOKVSBOE5BTJLNBMBZB EJTUSJDUTJOUPB-JNJUFE-JBCJMJUZPNQBOZXBTQFSGPSNFE UP FYQBOE UIF CVTJOFTT BSFB BOE QSPEVDUT PG 13 BOE improve competitiveness with conventional banks. PTUUPPTUDPPQFSBUJPOUPJNQSPWFTFSWJDFTBOEQSPEVDU FYDFMMFODFUISPVHIUIFGBDJMJUZPG5.GPSUIFDVTUPNFST PG13 DPTUFGmDJFODZBOETUSFOHUIFOJOHCSBOEJNBHFPG 13BOECBOL bjb BTBXIPMF FTQFDJBMMZGPS13 JODSFBTF UIFTBMFWBMVFPG13 VMmMMNFOU PG UIF SFRVJSFNFOU PO QBJEVQ DBQJUBM UP TUSFOHUIFOUIFPNQBOZTDBQJUBMBOESFBMJ[FBIFBMUIZ TUSPOH QSPEVDUJWF BOE SFMJBCMF SVSBM CBOL JOEVTUSZ UP TVQQPSUUIFHSPXUIPGUIFSFHJPOBMFDPOPNZ BOEDSFBUF DPOEVDJWFDPOEJUJPOUPCPPTUUIFQFSGPSNBODFPG13 IÀOLDWHG RPSDQ\ 37 VXUDQVL DQJXQ VNULGD DQG BPR - Increase the paid-up capital for PT Asuransi Bangun Askrida .FSHFCFUXFFOUIF13JOUIFEJTUSJDUTXJUIBUMFBTU TIBSFTPXOFECZCBOL bjb BOEQSJPSJUJ[FEUPUIFIFBMUIZ 13XJUIHPPEQFSGPSNBODF IBOHF UIF MFHBM GPSN PG 3FHJPOBM PNQBOZ 1 JOUP -JNJUFE-JBCJMJUZPNQBOZ 15 BGUFSUIFNFSHFS RENCANA TERHADAP ANAK PERUSAHAAN DAN PERUSAHAAN ASOSIASI KE DEPAN THE FUTURE PLAN FOR SUBSIDIARIES AND ASSOCIATED COMPANIES 4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ Consolidated Financial Statements Corporate Data 192 bank bjb Laporan Tahunan 2014 LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO ASPEK PEMASARAN MARKETING ASPECT 193 bank bjb Annual Report 2014 4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data 6QBZBVOUVLNFOHJNQMFNFOUBTJLBOSFODBOBTUSBUFHJTCJTOJT jangka pendek maupun jangka panjang, bank bjb selalu NFNCFSJLBOQSPEVLEBOKBTBZBOHUFSCBJLTFSUBTFMBMVJSFTQPOTJG terhadap dinamika pasar. bank bjb selalu memberikan solusi ZBOH UFSCBJL VOUVL TFUJBQ LFCVUVIBO OBTBCBI LIVTVTOZB QBEB QSPEVL LSFEJU 4BMBI TBUVOZB QSPEVL , TFCBHBJ TBMBITBUVQSPEVLZBOHEBQBUNFOPQBOHQFSUVNCVIBOLSFEJU bank bjb ZBOHEJNBOBQSPEVL,NFNJMJLJQFSBOBOZBOH TBOHBUQFOUJOH IBMJOJEJLBSFOBLBO • Positioning QSPEVL,ZBOHDVLVQLVBU t 5JOHLBUTVLVCVOHBZBOHLPNQFUJUJG t JCFSMBLVLBOOZBQSPHSBNQSPNPTJZBOHUFQBUTBTBSBO • Pemberian atensi kepada para Debitur • Mengutamakan Personal dan Emotional Touch sebagai LFVOHHVMBOEBSJTJTJQFMBZBOBO Strategi Pemasaran JOHHB UBIVO TFHNFOUBTJ OBTBCBI CBOL bjb masih EJEPNJOBTJPMFIOBTBCBISJUFMBMJUV EJBOUBSBOZBCJTBEJMJIBU EBSJ LPNQPTJTJ QFOHVDVSBO LSFEJU ZBOH NBTJI EJEPNJOBTJ untuk bidang konsumsi, walaupun Perseroan tidak melupakan nasabah korporasi. Untuk mendukung kegiatan bisnis 2014, Perseroan telah mengimplementasikan sejumlah strategi pemasaran. FSEBTBSLBO QSPEVL LFHJBUBO QFNBTBSBO ZBOH TVEBI EJKBMBOLBOEJBOUBSBOZB

A. Transaksi Trade Finance and Services

1. Untuk produk ini, Perseroan memilih strategi pro- BLUJG ZBOH EJ BOUBSBOZB NFMBMVJ gathering dengan nasabah dan calon nasabah potensial. Para QFNBOHLV LFQFOUJOHBO ZBOH EJMJCBULBO NJTBMOZB Badan Koordinasi Penanaman Modal BKPM, Badan Koordinasi Penanaman Modal Daerah BKPMD, serta BTPTJBTJ EBO PSHBOJTBTJ QFOHVTBIB ZBOH NFNJMJLJ orientasi transaksi ekspor-impor dan perdagangan dalam negeri. 2. Termasuk dalam rangkaian pemasaran, Divisi Internasional juga memberikan edukasi kepada para pemangku kepentingan. Antara lain dengan DBSB NFOKBEJ OBSBTVNCFS EJ CFSCBHBJ BDBSB ZBOH melibatkan eksportir dan importir, bekerja sama dengan Dinas Peruindusrian dan Perdagangan Provinsi Jawa Barat, Departemen Perdagangan, NBVQVOLFHJBUBOMBJOOZB Efforts to implement the short and long term strategic business plans, bank bjb BMXBZT QSPWJEFT UIF CFTU QSPEVDUT BOE TFSWJDFTBOEBMXBZTSFTQPOTJWFUPNBSLFUEZOBNJDTCBOL bjb BMXBZTQSPWJEFTUIFCFTUTPMVUJPOGPSFWFSZDVTUPNFSTOFFET QBSUJDVMBSMZJODSFEJUQSPEVDUT0OFPGUIFQSPEVDUTJTUIF, as one of the products that can support the credit growth of bank bjb JOXIJDIUIF,QSPEVDUIBTBWFSZJNQPSUBOUSPMF UIJTJTCFDBVTF • The strong positioning of the KGB product • A competitive interest rates • The implementation of on target promotional programs • Giving attention to the debtors • Prioritizing Personal and Emotional touch as an advantage in the terms of services. Marketing Strategy Until 2014, the bank customer segmentation bjb still EPNJOBUFECZSFUBJMDVTUPNFSTUXBT PGXIPNDBOCFTFFO from the composition of which is still dominated lending to the mFMEPGDPOTVNQUJPO BMUIPVHIUIFPNQBOZIBTOPUGPSHPUUFO its corporate customers. 5P TVQQPSU CVTJOFTT BDUJWJUJFT JO UIF PNQBOZ IBT implemented a number of marketing strategies. Based on the product, the marketing activities that have been JNQMFNFOUFEJODMVEF

A. Transaksi Trade Finance and Services

PS UIJT QSPEVDU UIF PNQBOZ DIPTF B QSP BDUJWF TUSBUFHZ XIJDI BNPOH PUIFST CZ HBUIFSJOH XJUI customers and potential customers. Stakeholders are involved, for example, the Investment Coordinating PBSE ,1. 3FHJPOBM OWFTUNFOU PPSEJOBUJOH PBSE ,1. BT XFMM BT FNQMPZFST BTTPDJBUJPOT and organizations which have an export - import transactions and domestic trade. 2. Included in the series of marketing, International Division also provide education to stakeholders. NPOHUIFXBZ XJUIBHVFTUTQFBLFSBUWBSJPVTFWFOUT involving exporters and importers, in collaboration with the Department of Trade Peruindusrian and West Java Province, Department of Commerce, as well as other activities. 194 bank bjb Laporan Tahunan 2014 LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO

B. Transaksi Remitansi

1. Mengimplementasikan strategi pemasaran below the line NJTBMOZBTQPOTPSTIJQBSJ6MBOH5BIVO3CFLFSKB TBNBEFOHBO,POTVMBU+FOEFSBM3FQVCMJLOEPOFTJBEJ POH,POH 2. Promosi produk remitansi melalui kerja sama dengan Agent Remittance di Singapura. 3. Bekerja sama dengan Kementerian Tenaga Kerja dan Transmigrasi Indonesia, Disnakertrans Jawa BSBU 15, TFSUBBOLVOJB VOUVLNFMBLVLBO edukasi mengenai produk-produk perbankan, terutama remitansi kepada tenaga kerja Indonesia EBO LFMVBSHBOZB EJ TFKVNMBI EBFSBI ZBOH NFOKBEJ CBTJT5, TFQFSUJFOQBTBS JSFCPO 3BOHLBTCJUVOH BOKBS 5BTJLNBMBZB JCVCVS EBO4VLBCVNJ

C. Dana Pihak Ketiga

1. Promosi produk dana

D. Brand bjb

1. Meningkatkan brand awareness bank bjb di tengah NBTZBSBLBU NFMBMVJLFHJBUBOQSPNPTJ

E. Produk Treasury

1. Kunjungan langsung tenaga penjual ke nasabah dan calon nasabah potensial untuk sosialisasi mengenai transaksi valuta asing dan instrumen lindung nilai hedging Instruments kepada nasabah dan kantor cabang terkait.

F. bjb Precious

1. Melakukan customer gathering untuk lebih NFOJOHLBULBOIVCVOHBOZBOHCBJLEFOHBOOBTBCBI CBJLOBTBCBIZBOHTVEBIBEBNBVQVODBMPOOBTBCBI potensial. .FOZFMFOHHBSBLBO QPMB Member Get Member nasabah bjb Precious. Biaya Pemasaran Sepanjang tahun 2014, Perseroan telah merealisasikan BOHHBSBOQFNBTBSBOTFCFTBS3Q NJMJBSJCBOEJOHLBO UBIVOTFCFMVNOZB CJBZBZBOHEJLFMVBSLBOUFSTFCVUNFOHBMBNJ QFOVSVOBO TFCFTBS 4FEBOHLBO CJBZB PQFSBTJPOBM pemasaran mengalami penurunan 50 dibandingkan tahun 2013.

B. Remittance transactions

1. Implement marketing strategies below the line , for FYBNQMF TQPOTPSTIJQ OOJWFSTBSZ PG OEPOFTJB JO DPPQFSBUJPOXJUIUIFPOTVMBUFFOFSBMPGUIF3FQVCMJD PGOEPOFTJBJOPOH,POH 2. Promotion of remittance products through cooperation XJUI3FNJUUBODFHFOUJO4JOHBQPSF O DPMMBCPSBUJPO XJUI UIF .JOJTUSZ PG .BOQPXFS BOE Transmigration, Indonesia, West Java Manpower, 15, BT XFMM BT UIF 8PSME BOL UP DPOEVDU FEVDBUJPOPOCBOLJOHQSPEVDUT NBJOMZSFNJUUBODFTUP Indonesian workers and their families in a number of areas which are the basis of TKI, such as Denpasar, JSFCPO 3BOHLBTCJUVOH BOKBS 5BTJLNBMBZB Cibubur, and Sukabumi.

C. Dana Pihak Ketiga

5IJSE1BSUZVOET

D. Brand bjb

ODSFBTFCSBOEBXBSFOFTTJOUIFDPNNVOJUZCKCCBOL through promotional activities.

E. Treasury products

7JTJUUIFTBMFTQFSTPOEJSFDUMZUPDVTUPNFSTBOEQPUFOUJBM customers for the socialization of foreign exchange transactions and hedging instruments hedging Instruments to customers and related branches.

F. bjb Precious

1. Perform customer gathering to further enhance good relationships with customers, both existing customers and potential customers. PMEJOH QBUUFSO .FNCFS FU .FNCFS 1SFDJPVT bjb customers . Marketing Cost 5ISPVHIPVU UIF PNQBOZ IBT SFBMJ[FE UIF QSPNPUJPO DPTUT PG 3Q CJMMJPO PNQBSFE UP UIF QSFWJPVT ZFBS DPTUT EFDSFBTFE CZ 8IJMF UIF PQFSBUJPOBM NBSLFUJOH costs decreased 50 compared in 2013. ASPEK PEMASARAN 195 bank bjb Annual Report 2014 4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data FSJLVUJOJCJBZBQFNBTBSBOZBOHUFMBIEJLFMVBSLBOEBMBNEVB UBIVOCVLVUFSBLIJS 3Q.JMJBS 3QJMMJPO Rincian 2013 2014 Details JBZB1SPNPTJ 177,10 103,21 Promotion Cost JBZB0QFSBTJPOBM1FNBTBSBO 22,4 11,1 Operating Marketing Costs 5FSMFQBT EBSJ QSPEVLQSPEVL LSFEJU ZBOH EJCFSJLBO TFKBMBO dengan hal tersebut perusahaan juga menetapkan strategi VOUVL NFMBLVLBO QFOVSVOBO UJOHLBU 1- LIVTVTOZB QBEB ,SFEJU .JLSP EFOHBO EVB MBOHLBI TUSBUFHJ ZBOH EJUFUBQLBO ZBJUV

1. Penyelamatan dan Penyelesaian terhadap Kredit Existing

Pada awal tahun 2014 Divisi Mikro berencana akan melaksanakan secara serempak Program Sosialisasi 3FTUSVLUVSJTBTJ ,SFEJU TFCBHBJ VQBZB QFOVSVOBO PO Performing Loan 1- ,SFEJULFMPMBBOJWJTJ.JLSP EJTJTJ MBJO GBLUPSGBLUPS FLTUFSOBM ZBOH EBQBU NFNQFOHBSVIJ petumbuhan portofolio kredit kelolaan Divisi Mikro dapat direduksi dengan beberapa strategis, seperti EJMBLVLBOOZBLFSKBTBNBEFOHBOJOTUBOTJQFNFSJOUBIBO baik pemerintah pusat, provinsi maupun kabupaten kota untuk memasarkan produk-produk Divisi Mikro bagi para pelaku UMKM di daerah, dan pemetaan potensi QFNCJBZBBO VOUVL NBTJOHNBTJOH KBSJOHBO LBOUPS CBOL bjb. 4FMBJO VQBZB QFOVSVOBO 1- JWJTJ .JLSP KVHB NFNJMJLJ TUSBUFHJVOUVLNFMBLVLBOFLTQBOTJLSFEJUZBOHCFSLVBMJUBT EJUBIVO ZBLOJEFOHBONFMBLVLBOJOWFOUBSJTJSQBSB debitur existing VOUVL EJMBLVLBOOZB top up UFOUVOZB TUSBUFHJJOJEJUVKVLBOLFQBEBEFCJUVSZBOHNFNJMJLJSJXBZBU LSFEJU ZBOH TFIBU FCJUVS EBQBU EJLBUBLBO TFIBU KJLB NFNJMJLJCFCFSBQBLSJUFSJBTFCBHBJCFSJLVU • Telah menjalani setengah jangka waktu kredit • Kolektibilitas Lancar t .FNFOVIJ QFSTZBSBUBO UFLOJT CBOL VOUVL EJMBLVLBO Top Up kredit.

2. Kebijakan Open Selling Kredit Mikro Utama KMU

EBOZB QFOVSVOBO QPTJTJ ,SFEJU .JLSP 6UBNB KMU sejak bulan Juli 2013 sampai dengan FTFNCFS EBSJ QPTJTJ 3Q NJMJBS NFOKBEJ TFCFTBS 3Q NJMJBS UVSVO BUBV TFCFTBS 3Q NJMJBS TFIJOHHB QFOVSVOBO QPTJTJ LSFEJU dimungkinkan berlanjut di tahun 2014. The following marketing costs that have been incurred in the MBTUUXPmTDBMZFBST In additon to the credit products provided, in line with such, UIFDPNQBOZBMTPTFUTTUSBUFHJFTUPEFDSFBTFUIF1-MFWFM TQFDJmDBMMZ PO .JDSPDSFEJU XJUI B UXPTUFQ TFU TUSBUFHZ OBNFMZ

1. Rescue and Settlement of Existing Credit