Person of bank bjb does not accept giftsfacilities of any kind Person of bank bjb may give a giftfacilities to other parties bank bjb provides credit collection fee in accordance with

bank bjb •฀Laporan฀Tahunan฀2013฀Annual฀Report 350 •฀ Menghindari฀ pemberian฀ perlakukan฀ istimewa฀ terhadap฀ pihak-pihak tertentu diluar prosedur dan ketentuan yang berlaku yang menimbulkan kerugian bank atau mengurangi keuntungan bank •฀ Tidak฀ memperkenankan฀ terjadinya฀ pembuatan฀ keputusan apapun, terutama keputusan-keputusan yang dapat mempengaruhi pencapaian KPI Key Performance Indicators bank bjb secara langsung, yang dipengaruhi kepentingan pribadi Komisaris, Direksi, Pejabat dan Pegawai, baik dalam hubungan kerja antar pegawai maupun dalam kaitan dengan pihak diluar bank bjb •฀ Namun฀demikian฀apabila฀keputusan฀tetap฀harus฀diambil฀ maka pihak-pihak dimaksud harus mengutamakan kepentingan bank dan menghindarkan Bank dari kerugian yang mungkin timbul atau kemungkinan berkurangnya keuntungan bank serta wajib mengungkapkan kondisi benturan kepentingan tersebut dalam setiap keputusan

f. Insan bank bjb tidak menerima hadiahfasilitas dalam bentuk

apapun yang berhubungan dengan jabatan dan pekerjaannya kecuali dalam batas kewajaran dan kepatutan sebagaimana diatur dalam Pedoman Pengendalian Gratifikasi

g. Insan bank bjb dapat memberikan hadiahfasilitas kepada

pihak lain dengan syarat untuk menunjang kepentingan perusahaan, tidak dimaksudkan untuk menyuap, telah dianggarkan oleh perusahaan dan apabila hadiahfasilitas berupa benda cinderamata maka harus mencantumkan logonama PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.

h. bank bjb memberikan biaya penagihan kredit sesuai

ketentuan internal yang berlaku dan hal tersbut diatur dalam Pedoman Pengendalian Gratifikasi. i. Insan bank bjb bebas dari penyalahgunaan narkoba dan miras. j. Insan bank bjb bersikap netral terhadap semua partai politik dengan cara: •฀ Tidak฀ menggunakan฀ fasilitas฀ perusahaan฀ untuk฀ kepentingan golonganpartai politik tertentu •฀ Tidak฀merangkap฀jabatan฀sebagai฀pengurus฀partai฀politik฀ dan atau anggota legislatif •฀ Tidak฀ membawa,฀ memperlihatkan,฀ memasang฀ serta mengedarkan simbol, gambar dan ornamen partai politik di lingkungan perusahaaan 2. Komisaris dan atau Direksi dapat memutuskan pemberian tindakan pembinaan, sanksi disiplin dan atau tindakan perbaikan serta pencegahan yang harus dilaksanakan oleh atasan langsung di lingkungan masing-masing terhadap insan bank bjb yang melakukan pelanggaran Code of Conduct 3. Tindakan pelanggaran Code of Conduct termasuk jenis perbuatan pegawai yang dapat terkena sanksi dalam hal jenis perbuatan: a. Melanggar Budaya Kerja, Perilaku Pimpinan dan Pegawai bank bjb b. Melanggar Kode Etik Bankir Indonesia CODE OF CONDUCT CODE OF CONDUCT •฀ Avoid฀ giving฀ preferential฀ treatment฀ to฀ certain฀ parties฀ outside of the procedures and regulations that lead to bank losses or reduce bank profits. •฀ Not฀ allow฀ the฀ occurrence฀ of฀ any฀ decision-making,฀ especially decisions that may affect the achievement of KPI Key Performance Indicators of bank bjb directly, which is affected by the personal interests of Commissioners, Directors, Officers and Employees, both in the working relationship between employees and parties in connection outside bank bjb •฀ However฀if฀the฀decision฀remains฀to฀be฀taken,฀the฀related฀ parties must put the interests of banks as priority and prevent the Bank from losses that may arise or the possibility of reducing bank profits and the conflicts of interest condition must be disclosed in every decision

f. Person of bank bjb does not accept giftsfacilities of any kind

relating to the office and work except within the limits of reasonableness and propriety as set forth in the Guidelines for Control of Gratification

g. Person of bank bjb may give a giftfacilities to other parties

to support the interests of the company, not intended as bribe, has been budgeted by the company, and if the gift facilities is in the form of souvenir then it must contain the logoname PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.

h. bank bjb provides credit collection fee in accordance with

internal policies and terms and are regulated in the Guidance Control of Gratification i. Person of bank bjb is free from drugs and alcohol abuse j. Person of bank bjb is neutral to all political parties in a way: •฀ Does฀not฀use฀company฀facilities฀for฀the฀beneit฀of฀any฀ certain grouppolitical party •฀ Not฀ holding฀ a฀ concurrent฀ position฀ as฀ a฀ political฀ party฀ officials or members of the legislative •฀ Does฀ not฀ carry,฀ display,฀ install฀ and฀ distribute฀ symbol,฀ pictures and ornaments of political parties in the company. 2. Commissioners and or Board of Directors may decide the act of giving guidance, discipline and sanctions as well as preventive or corrective actions to be implemented by the immediate supervisor in each environment to person of bank bjb who violates the Code of Conduct 3. Act violating the Code of Conduct including the types of employee actions that may be subject to sanctions in terms of types of actions: a. Violation of Work Culture, Leadership and Employee Behaviour standard of bank bjb b. Violate the Indonesian Bankers Code of Ethics Kriteria ARA No. VI.23.4 Introduction Management Discussion Analysis on Company Performance Good Corporate Governance Corporate Social Responsibility Corporate Data bank bjb •฀Laporan฀Tahunan฀2013฀Annual฀Report 351 Consolidated Financial Statements 4. Jenis sanksi atas pelanggaran antara lain: a. Sanksi administratif ringan berupa: •฀ Teguran฀lisan •฀ Teguran฀tertulis •฀ Pernyataan฀tidak฀puas b. Sanksi Administratif Sedang berupa: •฀ Penundaan฀ kenaikan฀ gaji฀ berkala฀ paling฀ lama฀ 1฀ satu฀ tahun •฀ Penurunan฀gaji฀sebesar฀1฀satu฀kali฀kenaikan฀gaji฀berkala฀ untuk paling lama 1 satu tahun •฀ Penundaan฀kenaikan฀pangkat฀untuk฀paling฀lama฀1฀satu฀ tahun c. Sanksi Administrasi Berat berupa: •฀ Penurunan฀ pangkat฀ pada฀ pangkat฀ yang฀ tingkat฀ lebih฀ rendah untuk paling lama 1 satu tahun •฀ Penurunan฀jabatan •฀ Pembebasan฀dari฀jabatan •฀ Pemberhentian฀sementara •฀ Pemberhentian฀ dengan฀ tidak฀ hormat฀ tidak฀ atas฀ permintaan sendiri sebagai pegawai •฀ Pemberhentian฀tidak฀hormat฀sebagai฀pegawai. Budaya Perusahaan Dalam rangka mendukung pencapaian visi dan misi bank bjb menjadi 10 bank terbesar dan berkinerja baik di Indonesia, Perseroan telah melakukan beberapa perubahan, salah satunya perubahan budaya perusahaan. Budaya perusahaan tersebut mencerminkan semangat bank bjb dalam menghadapi persaingan perbankan yang semakin ketat dan dinamis. Nilai-nilai budaya perusahaan yang telah dirumuskan yaitu GO SPIRIT merupakan perwujudan dari Service Excellence, Profesionalism, Integrity, Respect, Intelligence, Trust yang dijabarkan dalam 14 perilaku utama. Go Spirit Panduan untuk pelaksanaan budaya perusahaan ini telah tersusun dalam pedoman budaya perusahaan bank bjb. bank bjb telah melakukan beberapa langkah sebagai upaya sosialisasi nilai-nilai perusahaan yang berada di bawah koordinasi Divisi Change Management Office. Proses sosialisasi tersebut dibantu pula oleh Change Leaders dan Change Agents yang telah ditunjuk di seluruh unit kerja untuk dapat mensosialisasikan perubahan budaya kepada unit kerjanya masing-masing. Program-program yang telah dilaksanakan oleh Divisi Change Management Office antara lain: •฀ Pembentukan฀tim฀internalisasi฀budaya฀yang฀terdiri฀dari฀change sponsors, change leaders, change agents, dan change targets, serta Divisi Change Management Office sebagai Divisi yang bertanggung jawab dalam proses internalisasi budaya secara keseluruhan. •฀ Training฀ dan฀ sosialisasi฀ kepada฀ Change Leaders dan Change Agents. •฀ Pencetakan฀ media฀ sosialisasi฀ berupa฀ x-banner, sign wall, buku saku, buku pedoman, PIN dan Kartu Hologram. 4. Types of sanctions for violations include: a. Light administrative sanctions in the form of: •฀ Verbal฀reprimand •฀ Written฀reprimand •฀ Statement฀of฀dissatisfaction b. Moderate administrative sanctions in the form of: •฀ Delay฀of฀periodic฀salary฀increases฀for฀the฀maximum฀of฀1฀ one year •฀ Reduction฀ in฀ salary฀ of฀ 1฀ one฀ time฀ the฀ regular฀ salary฀ increases for no longer than 1 one year •฀ Delay฀of฀promotion฀for฀a฀maximum฀of฀1฀one฀year฀ c. Severe administrative sanctions in the form of: •฀ Demotion฀in฀rank฀to฀a฀lower฀level฀for฀the฀maximum฀of฀1฀ one year •฀ Demotion •฀ Exemption฀from฀ofice •฀ Suspension฀ •฀ Dishonourable฀ discharge฀ not฀ at฀ its฀ own฀ request฀ as฀ employee •฀ Dishonourable฀discharge฀as฀employee Corporate Cultare In order to support the achievement of the vision and mission of bank bjb to become the largest 10 banks and good performing bank in Indonesia, the Company has made several changes, one of the change is in corporate culture. The corporate culture reflects the spirit of bank bjb in the face of a tighter and more dynamic banking competition. The company values that has been formulated is the GO SPIRIT, which is the embodiment of the Service Excellence, Professionalism, Integrity, Respect, Intelligence, Trust defined in 14 primary behaviour. Go Spirit Guidelines for the implementation of this corporate culture has been arranged in the guidelines of bank bjb. bank bjb has taken several steps in an effort to socialize values that are under the coordination of Change Management Office Division. Socialization process is also assisted by Change Leaders and Change Agents who have been appointed in all work units to be able to disseminate a cultural change to each work unit. The programs have been implemented by the Change Management Office Division include: •฀ Formation฀of฀cultural฀internalization฀team฀consisting฀of฀change฀ sponsors, change leaders, change agents and change targets, as well as the Change Management Office Division as a division responsible in the process of culture internalization as a whole. •฀ Training฀ and฀ socialization฀ to฀ Change฀ Leaders฀ and฀ Change฀ Agents. •฀ Printing฀socialization฀media฀such฀as฀x-banner,฀sign฀wall,฀pocket฀ books, manuals, PIN and Hologram Card. Kriteria ARA No. VI.23.5, VI.23.3 bank bjb •฀Laporan฀Tahunan฀2013฀Annual฀Report 352 •฀ Program฀pembahasan฀ketentuan฀perusahaan฀termasuk฀tentang฀ budaya perusahaan di seluruh unit kerja secara periodik, minimal 1 satu bulan sekali. •฀ Survei฀budaya฀perusahaan฀untuk฀mengetahui฀dan฀mengevaluasi฀ tingkat pengetahuan, pemahaman, persepsi kepentingan dan keyakinan para pegawai terhadap proses transformasi organisasi dan budaya perusahaan. Agar nilai-nilai perusahaan tersebut dapat di implementasikan oleh seluruh jajaran organisasi bank bjb dalam setiap aktivitas sehari- hari, maka dilakukan upaya internalisasi nilai-nilai melalui program- program antara lain: •฀ Training฀lanjutan฀bagi฀change agents dan change leaders. •฀ Workshop฀Cristalizing Concept reformulasi strategi transformasi bank bjb. •฀ Mendorong฀setiap฀unit฀kerja฀untuk฀memiliki฀program฀budaya. •฀ Mengintegrasikan฀nilai-nilai฀budaya฀dalam฀HR฀system. Proses perubahan budaya bukanlah suatu hal yang mudah, namun dengan adanya komitmen yang kuat dari seluruh jajaran organisasi bank bjb terutama top management, maka bank bjb optimis dapat melakukan transformasi dan mencapai visi dan misinya. Change Agent Perusahaan membentuk Change Agent sebagai salah satu upaya menyelaraskan pertumbuhan bisnis yang dinamis yang didukung dengan penerapan budaya perusahaan yang terbaik. Fungsi dan Tugas Berdasarkan Pedoman Budaya Perusahaan yang telah disahkan melalui Surat Keputusan Direksi nomor: 1405SKBOD-CMO2010, pada Bab VI mengenai Tim Internalisasai Budaya Perusahaan bank bjb, tugas dan tanggung jawab Change Agent adalah sebagaimana dipaparkan di bawah ini. Change Agent bertanggung jawab dalam proses implementasi, monitoring, dan evaluasi perubahan budaya pada unit kerjanya masing-masing. Tugas Change Agent bank bjb adalah: 1. Mensosialisasikan, menularkan, dan mendorong implementasi perubahan budaya di masing-masing unit kerja. 2. Menegur pegawai yang tidak menerapkan budaya perusahaan bank bjb berperilaku negatif. 3. Memonitor implementasi perubahan budaya di unit kerja masing-masing dengan mengisi form monitoring implementasi budaya perusahaan. 4. Mengevaluasi implementasi perubahan budaya dalam masing- masing unit kerja secara berkala dan kontinu 3 bulan sekali. 5. Menyampaikan laporan implementasi perubahan budaya hasil isian form monitoring kepada change leader untuk kemudian diteruskan kepada Divisi Change Management Office. CODE OF CONDUCT CODE OF CONDUCT •฀ Discussion฀ programs฀ on฀ company฀ provisions฀ including฀ on฀ corporate culture in all work units periodically, at least once per month. •฀ Corporate฀culture฀surveys฀to฀determine฀and฀evaluate฀the฀level฀of฀ knowledge, understanding, perception and belief in the interests of the employees on the company’s organizational and cultural transformation. To enable the company’s values to be implemented by all levels of the organization of bank bjb in every activities of daily living, efforts to internalize the values was conducted through programs such as: •฀ Advanced฀Training฀for฀change฀agents฀and฀change฀leaders. •฀ Workshop฀Cristalizing฀Concept฀bank฀bjb transformation strategy reformulation •฀ Encourage฀each฀work฀units฀to฀have฀a฀culture฀program. •฀ Integrate฀the฀culture฀values฀in฀the฀HR฀system The process of cultural change is not easy, but with a strong commitment from all levels of the organization, especially the top management of bank bjb, the bank is optimistic to make the transformation and achieve its vision and mission. Change Agent A firm establishes Change Agent as an efforts to synchronize the dynamic business growth supported by the best corporate governance culture. Function and duty Based on Firm Cultural Guidance legalized through the decree of Member of Board Directors number : 1405SKBOD-CMO2010, at chapter VI about the Team of Internalization of Company’s Culture at the bank bjb. Change Agent takes a responsibility in the process of implementation, monitoring, and evaluation of cultural change at its every work unit. Tasks of Change Agent of bank bjb are as follows: 1. To socialize, spread, and encourage implementation of culture change at every unit. 2. To give warning an official ignoring to apply firm’s culture at bank bjb negative behaviour. 3. To monitor the implementation of change of firm culture at each work units at the company. 4. To evaluate the implementation of change of culture in each work unit periodically and continuously once in three months. 5. To deliver the report of the implementation of cultural change the result of monitoring form to change leader and then it is passed to Division of Change Management Office. Introduction Management Discussion Analysis on Company Performance Good Corporate Governance Corporate Social Responsibility Corporate Data bank bjb •฀Laporan฀Tahunan฀2013฀Annual฀Report 353 Consolidated Financial Statements Mengingat tugas-tugas Change Agent tersebut, maka telah ditetapkan pula karakteristik dasar yang harus dimiliki oleh Change Agent, yaitu: 1. Dapat menjadi role model dan motivator untuk meningkatkan kinerja. 2. Culturally adapative, bisa beradaptasi dengan berbagai ragam budaya dalam bekerja. 3. Socially responsible, bersikap tanggung jawab sosial tidak individual. 4. Active learner, mau mengembangkan dirinya dengan belajar hal- hal baru. 5. Memiliki kreativitas yang tinggi dan sanggup berinovasi dengan menghasilkan berbagai hal-hal baru. 6. Bersikap tegas. Noting the tasks of the Change Agent, so it has also been determined the main characteristic which must be had by Change Agent, they are: 1. They can be a role model and motivator to step up work performance. 2. Culturally adaptive, they can adapt with various cultures during work. 3. Socially responsible, They have social responsibility not being individual. 4. Active learner, they want to develop themselves by learning new things. 5. They have high creativity and can have innovation by producing new things. 6. Be firm. bank bjb •฀Laporan฀Tahunan฀2013฀Annual฀Report 354 ACCESS TO COMPANY INFORMATION AKSES INFORMASI DATA PERUSAHAAN Dalam upaya memberikan informasi yang transparan kepada publik berkaitan dengan perkembangan dan pelaksanaan pengelolaan usaha Bank serta demi menjalankan program komunikasi pemasaran, di tahun 2013 bank bjb telah menggunakan beragam perangkat untuk menyampaikan informasi penting yang perlu diketahui para pemangku kepentingan diantaranya mekalui: 1. website www.bankbjb.co.id

2. bjb call 14049