Programs to increase Wealth Management Portfolio

Laporan Tahunan 2016 208 Semakin Berkembang Bersama peluang Baru yang Membentang kenyamanan, ketepatan dan kecepatan penanganan dokumen trade finance. 2. Tersedianya berbagai macam produk trade finance dengan structure trade yang fleksible disesuaikan dengan kebutuhan nasabah tailor made disertai tarif yang kompetitif. 3. Transaksi kiriman uang dalam valuta asing dengan berbagai currency ke berbagai negara didukung oleh jaringan bank koresponden yang tersebar diseluruh dunia. 4. Optimalisasi kerjasama dengan perusahaan jasa kiriman uang untuk memudahkan para tenaga kerja Indonesia di luar negeri mengirimkan uang ke berbagai daerah di Indonesia dimana jaringan bank bjb berada. 5. Pengembangan aplikasi remitansi berbasis aplikasi mobile. Rencana dan Strategi tahun 2017 Sejalan dengan arah kebijakan manajemen bank bjb untuk tahun 2017 diantaranya yaitu mendorong pertumbuhan Fee Based Income dan penguatan struktur organisasi dengan dukungan SDM yang maka Divisi Internasional akan meningkatkan aliansi strategis dengan Cabang, Wilayah dan divisi terkait untuk mendukung pelaksanaan arah kebijakan bank tersebut. Yang pada akhirnya akan berdampak pada peningkatan fee based dan interest income melalui produk-produk trade finance and services guna menunjang pencapaian laba perusahaan, serta secara berkesinambungan melakukan peningkatan kompetensi SDM di seluruh jaringan kantor bank bjb terkait produk kelolaan Divisi Internasional melalui pelatihan yang diselenggarakan secara internal maupun eksternal berkoordinasi dengan Divisi terkait. Fokus utama peningkatan fee based income dan interest income Transaksi Divisi Internasional Tahun 2017 adalah: Trade Finance 1. Melakukan penetrasi pasar melalui pemasaran secara agresif diwilayah-wilayah yang berpotensi untuk transaksi trade. 2. Secara kontinyu aktif dalam memberikan advisory mengenai solusi produk trade kepada nasabah potensial. 3. Mempertahankan sertifikasi ISO 9001:2008 secara berkelanjutan untuk peningkatan kualitas layanan melalui penerapan sistem manajemen mutu sesuai dengan ISO 9001:2008, memastikan akurasi pekerjaan, meningkatkan kompetensi SDM yang kompeten dan professional sehingga dapat memberikan solusi yang terbaik dan menciptakan trust bagi nasabah 4. Melaksanakan Customer Gathering dengan nasabah dalam rangka menciptakan loyalitas dan diversifikasi transaksi trade. TINJAUAN OPERASIONAL oPeRaTional RevieW Innovation Plus system to provide comfort, accuracy, and speed in handling trade finance documents. 2. Availability of various trade finance products with flexible trade structure tailored to customers’ need were accompanied with competitive fare. 3. Remittance transactions in various currencies to various countries is supported with network of correspondent banks all over the world. 4. Optimized collaboration with remittance service companies aims to simplify Indonesian migrant workers abroad to transfer their money to various regions in Indonesia where bank bjb networks exist. 5. Remittance application development is based on mobile application.

2017: Plan and Strategy In accordance with bank bjb management policy for 2017,

eg.to encourage Fee Based Income growth and to strengthen the organization structure with the support of professional HR, the International Division shall improve strategic alliance with related Branch, Districts and Division offices to support the implementation of Bank’s policy. The above actions shall have an impact on the increase of fee based and interest income through trade finance and service products, that aim to support the achievement of company’s profit and a sustainable efforts to improve HR competence across bank bjb office network, related to International Product Division management by means of trainings, held both internally and externally through coordination with related Divisions. Several main focus of International Transaction Division’s increased fee based and interest income in 2017 are: Trade Finance 1. Conduct market penetration by way of aggressive marketing within regions of potential trade transactions. 2. Continuously active in providing advisory, concerning trade product solution to potential customers. 3. Continuously maintain ISO 9001:2008 certification to improve service quality through implementation of quality management system, in accordance with ISO 9001:2008, to ensure work accuracy, improve HR competence to be more competent and professional, so bjb resources can provide the best solution and create customer trust. 4. Execute Customer gathering to create customer loyalty and trade transaction diversification. annual report 2016 209 Growing Together with new expanding opportunities 5. Bekerjasama dengan cabang, wilayah dan divisi bisnis untuk melakukan pemasaran secara agresif dan terintegrasi dalam rangka mengoptimalkan cross selling sesuai kebutuhan nasabah. Remitansi 1. Peluncuran aplikasi mobile remittance serta diversifikasi dan pengembangan produk kerjasama dengan agen eksisting dalam rangka menambah fitur produk dan meningkatkan service level agreement produk kiriman uang kepada nasabah bank bjb. 2. Perluasan jaringan pemasaran melalui penambahan agen remitansi baru untuk memudahkan akses transaksi TKI khususnya di Singapore, Malaysia, Hong Kong dan Taiwan. 3. Pelaksanaan program promosi, serta edukasi dan sosialisasi produk kiriman uang bank bjb, serta turut aktif melakukan sponsorship dalam acara-acara yang melibatkan TKI guna meningkatkan brand awareness terhadap bank bjb, khususnya produk kiriman uang bank bjb. Layanan 1. Membentuk produk tailor made dengan bundling pricing yang kompetitif, dan pembentukan structure trade yang optimal dengan aliansi yang saling mendukung antar unit kerja di internal bank bjb. 2. Peningkatan kualitas layanan melalui komitmen tinggi terhadap pemenuhan standar ServiceLevel Agreement yang telah disepakati, memastikan akurasi pekerjaan, meningkatkan kompetensi SDM yang kompeten dan profesional sehingga dapat memberikan solusi yang terbaik dan menciptakan trust bagi nasabah. 3. Pengembangan sistem aplikasi secara berkesinambungan untuk mendukung kelancaran transaksi trade finance dan bisnis remitansi. 4. Kontinuitas penyempurnaan dan pengembangan produk serta tariff yang kompetitif, yang disesuaikan dengan dinamika kebutuhan bisnis. 5. Mempertahankan dan meningkatkan pelayanan prima kepada nasabah dalam pelaksanaan transaksi trade sesuai komitmen Implementasi ISO 9001:2008. 6. Optimalisasi remittance customer service center untuk meningkatkan service level kepada nasabah, agen dan jaringan Kantor Cabang Bank. Optimalisasi Kerjasama dengan Couterparty Bank 1. Membuat dan melakukan review credit line dan monitoring credit line untuk mendukung bisnis Bank. 2. Memperluas dan mengembangkan kerjasama dengan counterparty bank melalui berbagai produk transaksi antar TINJAUAN OPERASIONAL oPeRaTional RevieW 5. Conduct collaboration with branch offices, regional offices, and business divisions to launch aggressive and integrated marketing to optimize cross selling in accordance with customer’s needs Remittance 1. The launching of remittance mobile application, product diversification and development of collaboration products with existing agents aims to add product features and improve service level agreement on remittance product to customers of bank bjb. 2. The expansion of marketing network through increment of agents of new remittance to simplify transaction access from TKI Indonesian Migrant Worker specifically in Singapore, Malaysia, Hong Kong and Taiwan. 3. Implementation of promotion program, also education and bank bjb remittance product dissemination, and actively conducting sponsorship on events involving TKI to increase bank bjb brand awareness, specifically bank bjb remittance product. Services 1. Forming of tailor made products with competitive bundling pricing, and forming optimized structure trade with mutually supporting alliances amongst working units within internal bank bjb. 2. Improve service quality through great commitments towards compliance with the agreed upon Service Level Agreement, ensure the accuracy of work, improve HR competency and professionalism so they can provide the best solution and create customer trust. 3. Sustainability in application system development to support finance trade transaction and remittance business continuity. 4. Continuity in product improvement and development, and fares which are competitive, adapted to business needs dynamics. 5. Maintain and improve service excellence to customers in conducting trade transactions in accordance with the implementation commitment of ISO 9001:2008. 6. Optimize remittance customer service center to improve service level given to customers, agents and bank bjb branch offices. Optimizing Cooperation with Counterparty Banks 1. Creating and conducting credit line review, and monitoring credit lines to support the business. 2. Expand and develop cooperation with Counterparty Banks through various interbank product transactions that are Laporan Tahunan 2016 210 Semakin Berkembang Bersama peluang Baru yang Membentang Bank yang tidak terbatas pada UPASUPAU, Banker Acceptance, BG under Counter Guarantee, Risk Participation, Forfaiting. 3. Menggali potensi bisnis yang dapat dikembangkan atas transaksi antar Bank, yang sesuai dengan kebutuhan dari divisi lain. Kegiatan Pemasaran dan Promosi Produk 1. Melakukan promosi melalui penayangan iklan di media masa Lokal Cetak TV, Radio dalam lingkup jaringan kantor cabang bank bjb di seluruh Indonesia bekerjasama dengan Divisi Corporate Secretary. 2. Secara periodik melakukan on the spot training ke jaringan kantor bank bjb dalam rangka refreshment terhadap ketentuan produk dan perubahan jasa dan layanan remittance bank bjb 3. Melakukan Pemasaran dan Promosi bersama dengan Remittance Agent yang berada di dalam maupun di luar negeri, terutama pada periode dimana volume transaksi mengalami peningkatan yang signifikan. 4. Turut serta dan secara aktif melakukan sponsorship dalam acara-acara yang melibatkan TKI di dalam dan diluar negeri, baik yang diselenggarakan oleh Pemerintah maupun pihak Non-Pemerintahan. 5. Kegiatan pemasaran yang komprehensip bersama sama dengan cabang, wilayah dan divisi terkait. 6. Melakukan Gathering dengan nasabah dan calon nasabah potensial dalam transaksi trade berkoordinasi dengan divisi terkait. 7. Menjaga dan meningkatkan hubungan baik dengan Bank koresponden dalam upaya memasarkan produk antar Bank dan menjalin kerjasama yang saling menguntungkan. Trisuri Data Penempatan dana Pada Bank Lain dalam bentuk surat berharga Obligasi Bank investasi Tabel Penempatan dana Pada bank lain dalam bentuk surat berharga Obligasi bank investasi Table of fund Placements in Other banks in the form of bank investment bonds dalam Rupiah penuh | in full Rupiah TaHUn Year ObliGasi ObliGaTiOn nOminal face ValUe 2014 Bank umum dan Bank Daerah Commercial and Regional Banks 379.000.000.000,00 2015 Bank umum dan Bank Daerah Commercial and Regional Banks 1.234.417.000.000,00 2016 Bank umum dan Bank Daerah Commercial and Regional Banks 899.400.000.000 TINJAUAN OPERASIONAL oPeRaTional RevieW not limited to UPASUPAU, Banker Acceptance, BG under Counter Guarantee, Risk Participation, and Forfaiting. 3. Explore business potentials that can be developed into interbank transactions, in accordance with the needs of other divisions. marketing event and Product Promotions 1. To conduct promotions via advertisements on local media print media, TV, Radio within the scope of the bank bjb branch office networks throughout Indonesia, and such promotions shall be conductedin collaboration with Corporate Secretary Division.

2. To perform on-the-spot training periodically to bank bjb

office networks in order to rejuvenate the provisions of product and service change, and remittance services. 3. To conduct marketing and promotion together with local and international remittance agents, in particular during the period where the transaction volumes experience a significant increase. 4. To actively participate and provide sponsorships for events involving migrant workers of inside and outside the country, both held by the Government andor Non-Government organizations. 5. To conduct joint comprehensive marketing activities with the concerned branch, regional and division offices. 6. To organize customer and potential customer gatherings in trade transactions that are coordinated with related divisions. 7. To maintain and enhance good relationships with correspondent Banks in efforts to market interbank products and establish mutually beneficial collaboration. Treasury Data of Fund Allocation in Other Banks in the form of Bank Securities, Bonds and Investment