Laporan Tahunan bank bjb 2015 AR BJB 2015 (web)
IDX : BJBR
Keeping M om ent um for Fut ure Grow t h
Memper t ahankan Moment um Per t umbuhan
2015
Annual Repor t
(2)
(3)
Int r oduct ion Management Repor t Company Pr of ile St ock & Obligat ion Highlight s Management Discussion & Analysis Good Cor por at e Gover nance Cor por at e Social Responsibilit y Consolidat ed Financial St at ement s Cor por at e Dat a
1
bank bjbLapor an Tahunan 20 15 Annual Repor t Lapor an Tahunan
Annual Repor t
Keeping M om ent um for
Fut ure Grow t h
Per ser oan menyadar i bahwa kiner ja per usahaan yang baik bukan
sekadar t umbuhnya pendapat an maupun laba usaha, namun lebih
dar i it u, har us diimbangi dengan kiner ja yang ber kualit as. Dar i sisi
kr edit misalnya, t idak sekadar t umbuh di at as r at a-r at a indust r i,
t et api r asio kr edit ber masalahnya har us
manageable
.
Hal it ulah yang dilakukan oleh bank
bjb. Per t umbuhan kiner ja
usaha senant iasa diikut i dengan pener apan manajemen r isiko dan
t at a kelola per usahaan yang baik agar moment um per t umbuhan
dapat menjadi f undament al yang kokoh.
Per ser oan memandang bahwa f undament al yang baik dan kokoh,
pada akhir nya akan menjadi penunjang per t umbuhan kiner ja
usaha Per ser oan yang t elah dit ar get kan, yait u seper t i t er t uang
dalam Kebijakan Umum Dir eksi sebagai acuan ker ja t ahunan ser t a
Visi dan Misi Per ser oan yang menjadi acuan jangka panjang.
The Company is awar e t hat a good per f or mance of a company is not mer ely about t he gr owt h of income and pr of it , however , above all, it has t o be balanced wit h a good qualit y of business per f or mance. Fr om t he per spect ive of cr edit f or example, t he r at io of cr edit does not just gr ow above t he aver age, but it also has t o be manageable. Such goals ar e what bank bjb is cur r ent ly t r ying t o achieve. The gr owt h of it s businessper f or mance is cont inually f ollowed by t he implement at ion of r isk and t op qualit y company management t o allow t he moment um of gr owt h f or ming a st r ong f oundat ion. The Company is of t he view t hat a st r ong and good f oundat ion at t he end will be t he suppor t t o t he t ar get ed gr owt h of t he Company’s business per f or mance, such as t hose t hat have been cover ed in t he Boar d of Dir ect or s’ Gener al Policy as t he year ly r ef er ence of wor k and t he Company’s Vission and Mission as t he long t er m r ef er ence.
bank bjb Lapor an Tahunan 20 15 Annual Repor t
Memper t ahankan Moment um Per t umbuhan
Int r oduct ion
Management Repor t Company Pr of ile St ock & Obligat ion Highlight s Management Discussion & Analysis Good Cor por at e Gover nance Cor por at e Social Responsibilit y Consolidat ed Financial St at ement s Cor por at e Dat a
(4)
2
bank bjbLapor an Tahunan 20 15 Annual Repor t
Daft ar Isi
Table of Cont ent s
bank bjb Lapor an Tahunan 20 15 Annual Repor t
2
Sist em N avigasi
Navigat ion Syst em
Lapor an Tahunan 20 15 disusun dengan sist emat ika unt uk memudahkan pembaca dalam menelusur i inf or masi yang t er muat di dalamnya. Adapun Lapor an Tahunan ini memuat 8 (delapan) bab besar , yait u Ikht isar Ut ama, Lapor an Manajemen, Pr of il Per usahaan, Analisis dan Pembahasan Manajemen, Tinjauan Pendukung Usaha, Tat a Kelola Per usahaan, Lapor an Tanggung Jawab Sosial Per usahaan, ser t a Lapor an Keuangan Audit an.
Bab Lapor an Manajemen, memuat lapor an yang disampaikan oleh Komisar is Ut ama dan Dir ekt ur Ut ama. Lapor an t er sebut memuat beber apa inf or masi mengenai pandangan dan penilaian t er hadap kondisi per ekonomian nasional, pencapaian pada t ahun buku, ser t a langkah-langkah st r at egis yang dit et apkan unt uk masa mendat ang.
Lapor an Tahunan bank bjb dit er bit kan dengan mengacu
pada per at ur an dan ket ent uan yang ber laku. Acuan per at ur an yang secar a umum digunakan oleh per usahaan-per usahaan di Indonesia baik yang ber st at us t er buka maupun t idak adalah:
Pada halaman Daf t ar Isi Lapor an Tahunan ini, kami mencant umkan icon/ sign yang menunjukkan kelengkapan kami dalam mengikut i per at ur an-per at ur an di at as.
Selain unt uk menunjukkan komit men kami dalam mendukung ket er bukaan inf or masi per usahaan, hal ini kami sajikan juga agar st akeholder yang ingin menilai kelengkapan Lapor an
Tahunan bank bjb 20 15 dapat dengan mudah melakukannya.
Pada akhir Lapor an Tahunan ini, t er dapat lampir an ber upa r ef er ensi silang ant ar a inf or masi yang t er cant um dalam Lapor an Tahunan dan ket ent uan yang sudah diber lakukan oleh Ot or it as Jasa Keuangan (d/ h Bapepam-LK) mengenai t at a car a penyampaian Lapor an Tahunan.
The 20 15 Annual Repor t of bank bjb is pr epar ed in a
syst emat ic or der f or t he r eader t o easily t r ack inf or mat ion her ein. This Annual Repor t is composed of 8 (eight ) main chapt er s, namely Over view, Management Repor t , Company Pr of ile, Management Discussion and Analysis, Business Suppor t , Good Cor por at e Gover nance, Cor por at e Social Responsibilit y and Audit ed Financial Repor t .
The Management Repor t cont ains r epor t s f r om t he Pr esident Commissioner and Pr esident Dir ect or , elabor at ing on inf or mat ion concer ning t he out look and assessment on t he nat ional economic condit ion, achievement s in t he f iscal year , and st r at egic st eps t o be implement ed in t he f ut ur e.
The 20 15 Annual Repor t of bank bjb was published wit h
r ef er ence t o pr evailing r egulat ions and st ipulat ions. The r egulat ion f r amewor k commonly used by list ed and non-list ed companies in Indonesia ar e:
In t he Cont ent s page of t his Annual Repor t , we displayed cer t ain icons/ signs t hat signif y f ulf illment of t he cor r esponding r egulat ions as not ed above.
In addit ion t o under lining our commit ment t o aspect of inf or mat ion disclosur e, t he syst em is also int ended t o f acilit at e st akeholder s and r eader s of t his Annual Repor t t o evaluat e t he complet eness of it s cont ent s.
As t he f inal sect ion of t his Annual Repor t , at t ached is t he cr oss-r ef er ence of Financial Ser vices Aut hor it y (f or mer ly Bapepam-LK) r ules on t he pr esent at ion pr ocedur e of Annual Repor t s, which pr esent s det ails on r egulat or y conf or mit y wit h inf or mat ion pr esent ed in annual r epor t s.
ARA OJK
1. : OJK Per at ur an Bapepam-LK (Kini OJK) No. X.K.6 t ahun 20 12.
Bapepam-LK (t he cur r ent OJK) Regulat ion No. X.K.6 Year 20 12.
2. : ARA Kr it er ia ARA yang set iap t ahun diper bahar ui.
(5)
Int r oduct ion Management Repor t Company Pr of ile St ock & Obligat ion Highlight s Management Discussion & Analysis Good Cor por at e Gover nance Cor por at e Social Responsibilit y Consolidat ed Financial St at ement s Cor por at e Dat a
3
bank bjbLapor an Tahunan 20 15 Annual Repor t
bank bjb Lapor an Tahunan 20 15 Annual Repor t Int r oduct ion Management Repor t Company Pr of ile St ock & Obligat ion Highlight s Management Discussion & Analysis Good Cor por at e Gover nance Cor por at e Social Responsibilit y Consolidat ed Financial St at ement s Cor por at e Dat a
96
Stock & Obligation Highlights
IV.12
2.b.2
98
Ikht isar Saham & Obligasi St ock & Obligat ion Highlight s99
Inf or masi Bagi Invest orInf or mat ion f or Invest or s
3
1
Introduction
1
Memper t ahankan Moment um Per t umbuhanKeeping Moment um f or Fut ur e Gr owt h
6
Per jalanan Menjadi Bank Nasional y+ang KokohJour ney To Become A Solid Nat ional Bank
8
Ikht isar Kiner jaPer f or mance Highlight s
10
Per an bank bjb dalam Pembangunan The r ole of bank bjb in Development11
Test imoni NasabahCust omer Test imony
II.1-II.2
2.b.1a
12
Ikht isar Keuangan Financial Highlight s15
SBDK (Suku Bunga Dasar Kr edit )Pr ime Lending Rat e
16
Per ist iwa Pent ing 20 1520 15 Event Highlight s
IV.15
2.e.17
22
Penghar gaan dan Ser t if ikasi Awar ds and Cer t if icat ions50
Company Prof ile
V.1
52
Inf or masi Umum Per usahaan
Company Gener al Inf or mat ion
IV.2
2.e.2
53
Sekilas bank bjb bank bjb In Br ief56
Tonggak Sejar ahMilest ones
IV.5.1-4
2.e.5
62
Visi & Misi Vision & MissionIV.5.1-4
2.e.5
63
Nilai-Nilai Per usahaan Cor por at e Values64
Makna LogoThe Logo Meaning
IV.3
2.e.3
66
Bidang Usaha Line of BusinessIV.9
2.e.10
70
St r ukt ur Pemegang Saham & Gr up Per usahaan Company Owner ship & Gr oup St r uct ur eIV.10
2.e.12
72
Daf t ar Ent it as Anak dan Ent it as Asosiasi List Subsidiar ies and Associat ion Ent it ies74
Jar ingan Oper asi & LayananOper at ion Net wor k & Ser vices
IV.4
2.e.4
76
St r ukt ur Or ganisasi Or ganizat ion St r uct ur eIV.6
2.e.6
78
Pr of il Dewan Komisar is Boar d of Commisioner s Pr of ileIV.7
2.e.7
82
Pr of il Dir eksiBoar d of Dir ect or s Pr of ile
IV.8
2.e.9
89
Pr of il & Komposisi Kar yawan Pr of ile & Employee Composit ionIV.14
2.e.16
92
Lembaga Pr of esi Penunjang Per usahaan Suppor t ing Secur it y Inst it ut ionsVI.15.1
2.g.16
94
Akunt an Publik Independen Independent Public Account antIV.17
95
Websit e Per usahaan
Cor por at e Websit e
24
Management Report
III.1
2.c
26
Lapor an Dewan Komisar isRepor t f r om t he Boar d of Commissioner s
III.2
2.d
36
Lapor an Dir eksiRepor t f r om Boar d of Dir ect or s
III.3
2.j
48
Tanggung Jawab Pelapor an Tahunan 20 15 Responsibilit y f or 20 15 Annual Repor t ing(6)
4
bank bjbLapor an Tahunan 20 15 Annual Repor t
4
bank bjb Lapor an Tahunan 20 15 Annual Repor t
110
Management Discussion &
Analysis
112
Tinjauan Rencana, Kebijakan dan St r at egi Pengembangan UsahaReview of Business Development Plan, Policy and St r at egy
118
Tinjauan Bisnis & Indust r iBusiness & Indust r y Review
V.1-V.2
2.f .1
122
Konsumer ConsumerV.1-V.2
2.f .1
132
bjb pr eciousbjb pr ecious
V.1-V.2
2.f .1
138
Kor por asi & Komer sial Cor por at e & Commer cialV.1-V.2
2.f .1
142
Mikr o Micr oV.1-V.2
2.f .1
148
Int er nasional & Tr esur i Int er nat ional & Tr easur yV.1-V.2
2.f .1
156
Inst it ut ional Banking Inst it ut ional BankingV.1-V.2
2.f .1
160
KPR & KKB KPR & KKBV.1-V.2
2.f .1
164
Tinjauan Kiner ja Anak Per usahaan Subsidiar y Per f or mance ReviewV.10
2.f .11
180
Aspek Pemasar an Mar ket ing Aspect2.f .2-2.f .16 V.2-V.17
186
Tinjauan KeuanganFinancial Review
V.9
2.f .8
218
Pr ospek Usaha Business Pr ospect s226
Tinjauan Pendukung BisnisSuppor t ing Business Review
V.8
2.e.9
228
Sumber Daya Manusia Human Capit al260
Teknologi Inf or masiInf or mat ion Technology
VI.16
2.g.8
290
Manajemen Risiko Risk Management384
Good Corporate Governance
VI.13
2.g.2.d
397
Rapat Umum Pemegang Saham (RUPS) Gener al Meet ings of Shar eholder s (GMS)VI.1
2.g.1
40 8
Dewan Komisar is Boar d of Commissioner sVI.9-VI.11 2.g.3-2.g.4
419
Komit e di Bawah Dewan Komisar is
Commit t ees under Boar d of Commissioner s
467
Sekr et ar is Dewan Komisar isBoar d of Commissioner Secr et ar y
VI.3
2.g.2
471
Dir eksi Boar d of Dir ect or sVI.4
482
Assessment t er hadap Dewan Komisar is dan Dir eksi
Assessment t o Boar d of Commissioner s and Boar d of Dir ect or s
VI.5 2.g.1-2.g.2
484
Kebijakan Remuner asi Dewan Komisar is dan Dir eksi
Remuner at ion Policy of t he t he Boar d of Commissioner s and t he Boar d of Dir ect or s
2.e.7.e & 2.e.6.e
VI.8
486
Hubungan Af iliasi Dewan Komisar is, Dir eksi dan Pemegang SahamAf f iliat e Relat ionship of t he Boar d of Commissioner s, t he Boar d of Dir ect or s and Shar eholder s
2.g.1.c & 2.g.2.c
VI.6
488
Rapat Dewan Komisar is, Dir eksi, dan Dewan Komisar is dengan Dir eksiMeet ings of t he Boar d of Commissioner s, Dir ect or s and Commissioner s, Dir ect or s
50 8
Komit e di Bawah Dir eksiCommit t ees under Boar d of Dir ect or s
VI.12
2.g.5
518
Sekr et ar is Per usahaan Cor por at e Secr et ar y532
Divisi Audit Int er nalInt er nal Audit Division
VI.17
2.g.7
539
Sist em Pengendalian Int er nal Int er nal Cont r ol Syst emVI.17.3
2.g.9
544
Per kar a Pent ing yang Sedang Dihadapi Per ser oan/ Ent it asAnak/ Anggot a Dir eksi/ Anggot a Dewan Komisar is yang Sedang Menjabat pada Per iode Lapor an Tahunan
Impor t ant Case The Moder at e Faced Company/ Subsidiar y/ Boar d of Dir ect or s/ Boar d of Commissioner s Who is Ser ved on Annual Repor t ing Per iod
V.23
551
Akses Inf or masi Dat a Per usahaan
Inf or mat ion Access Company Dat a
VI.24
2.g.11
556
Kode Et ik Code of ConductVI.25
2.g.13
556
Whistleblowing System Whist leblowing Syst em568
Pember ian Dana unt uk Kegiat an Sosial dan Polit ikPr ovision of Funds f or Social and Polit ical Act ivit y
569
Kebijakan Pengadaan Bar ang dan JasaPolicy of Pr ocur ement of Goods and Ser vices
Daf t ar Isi
(7)
Int r oduct ion Management Repor t Company Pr of ile St ock & Obligat ion Highlight s Management Discussion & Analysis Good Cor por at e Gover nance Cor por at e Social Responsibilit y Consolidat ed Financial St at ement s Cor por at e Dat a
5
bank bjbLapor an Tahunan 20 15 Annual Repor t Int r oduct ion Management Repor t Company Pr of ile St ock & Obligat ion Highlight s Management Discussion & Analysis Good Cor por at e Gover nance Cor por at e Social Responsibilit y Consolidat ed Financial St at ement s Cor por at e Dat a
5
bank bjb Lapor an Tahunan 20 15 Annual Repor t
570
Corporate Social
Responsibility
VI.18
2.h.1.a
574
Aspek Lingkungan Hidup Envir onment al AspectVI.19
2.h.1.b
577
Aspek Ket enagaker jaan, Kesehat an, dan Keselamat an Ker ja Human Resour ces, Healt h and Wor k Saf et y Aspect sVI.19
2.h.1.b
578
Aspek Ket enagaker jaan Employment AspectVI.19
2.h.1.b
579
Aspek Kesehat an Healt h AspectVI.19
2.h.1.b
581
Aspek Keselamat an Ker ja Wor k Saf et y AspectVI.20
2.h.1.c
582
Aspek Pengembangan Sosial Kemasyar akat an Aspect s of Communit y Social DevelopmentVI.21
2.h.1.d
583
Aspek Tanggung Jawab Ter hadap Konsumen Aspect s of Liabilit y For Consumer s586
Aspek PendidikanEducat ion Aspect
587
Pr ogr am UnggulanMain Pr ogr am
V.20
594
Sumber Dana CSR
Sour ce of CSR Funds
595
Consolidated Financial
Statements
VII
2.i
595
Lapor an Keuangan Konsolidasian Consolidat ed Financial St at ement s801
Corporate Data
80 2
Pr of il Pemimpin Divisi bank bjb Division Head bank bjb Pr of ileIV.16
80 9
Jar ingan Kant or
Of f ices Net wor k
827
Ref er ensi Per at ur an Ot or it as Jasa Keuangan-OJK (dahulu Bapepam-LK) Nomor X.K.6: Penyampaian Lapor an Tahunan Emit en at au Per usahaan PublikCr oss Ref er ence of Financial Ser vices Aut hor it y-OJK (f or mer ly Bapepam-LK) No. X.K.6: Submission of Annual Repor t of Publicly List ed Companies
836
Ref er ensi Sur at Edar an Ot or it as Jasa Keuangan-OJKNomor . 11 / SEOJK.0 3/ 20 15 Tent ang Tr anspar ansi dan Publikasi Lapor an Bank Umum Konvensional
Cr oss Ref er ence of Financial Ser vices Aut hor it y-OJK OJK Cir cular Let t er No. 11/ SEOJK.0 3/ 20 15
849
Ref er ensi Silang Kr it er ia Annual Repor t Awar d (ARA)(8)
Jour ney t o Become a Solid Nat ional Bank
Perjalanan
M enjadi
Bank N asional
yang Kokoh
Enhancing Quality For Greater Growth
Tr ansf or masi bank bjb menuju jajar an
bank besar di Indonesia t er us ber lanjut pada t ahun 20 11. Pr ogr am-pr ogam ker ja yang dir ancang dengan cer mat dan dilaksanakan secar a konsist en t elah ber dampak pada per baikan dan peningkat an kualit as di ber bagai aspek or ganisasi dan oper asional, menuju pada per t umbuhan yang lebih pesat di semua lini usaha bank bjb.
Enhancing Quality For Greater Growth
The year 20 11 saw t he cont inuing
t r ansf or mat ion of bank bjb t o become one of
t he major banks in Indonesia. Var ious wor k pr ogr ams, car ef ully planned and consist ent ly implement ed, have r esult ed in impr ovement s and qualit y enhancement s in var ious ar eas of t he or ganizat ion and it s oper at ions, leading t o f ast er gr owt h in all business lines of bank bjb.
2011
Moving Forward with Greater Value f or Customers
Seir ing dengan per jalanan wakt u, bank
bjb t er us ber kembang sesuai dengan
sasar an bisnis yang t elah dir encanakan. Tent u banyak t ant angan yang dihadapi. Namun sat u hal yang past i, bank bjb
ber pegang t eguh pada komit men unt uk selalu meningkat kan kualit as di segala bidang demi member ikan nilai lebih bagi par a nasabah. It ulah landasan bisnis bank bjb.
Moving Forward with Greater Value f or Customers
Over t ime, bank bjb cont inues t o develop
in accor dance wit h t he planned business object ives. Undoubt edly t her e ar e numer ous challenges t o be f aced. But one t hing is f or sur e, bank bjb st ands t o t he commit ment t o
always impr ove qualit y in all ar eas in or der t o pr ovide mor e value f or t he cust omer s. That is t he cor ner st one of t he bank bjb business.
2013
Continuously Developing Fundamentals f or Sustainable Growth and Prof it
Sudah banyak yang ber hasil dicapai oleh bank bjb sejak t r ansf or masinya
yang diawali dengan Penawar an Saham Per dana (IPO) pada t ahun 20 10 . Jar ingan pelayanan ber t ambah luas, r agam pr oduk semakin ber var iasi, dan cit r a kor por at semakin kokoh sebagai sebuah bank nasional. Sepanjang t ahun 20 12, bank bjb t er us menat a dan
memper kuat landasan-landasan ut ama bisnisnya, agar dapat t er us t umbuh dan mer aih keunt ungan menuju per wujudan aspir asinya menjadi salah sat u dar i 10 bank nasional t er besar dan ber kiner ja t er baik di Indonesia.
Continuously Developing Fundamentals f or Sustainable Growth and Prof it
Since it s t r ansf or mat ion as mar ked by t he successf ul Init ial Public Of f er ing (IPO) in 20 10 , bank bjb has gained many achievement s. The
Bank has br oadened it s ser vice net wor ks and enlar ged it s r ange of pr oduct of f er ings, as well as successf ully pr omot ing it s cor por at e br anding as a nat ional bank. Thr oughout 20 12, bank bjb cont inued t o consolidat e
and st r engt hen it s business f undament als, which will enable t he Bank t o gr ow pr of it ably t owar ds it s aspir at ion t o become one of t he t op 10 nat ional banks wit h best per f or mance in Indonesia.
2012
bank bjbLapor an Tahunan 20 15 Annual Repor t
6
(9)
Mempertahankan Momentum Pertumbuhan
Per ser oan menyadar i bahwa kiner ja per usahaan yang baik bukan sekadar t umbuhnya pendapat an maupun laba usaha, namun lebih dar i it u, har us diimbangi dengan kiner ja yang ber kualit as. Dar i sisi kr edit misalnya, t idak sekadar t umbuh di at as r at a-r at a indust r i, t et api r asio kr edit ber masalahnya har us manageable. Hal it ulah yang dilakukan oleh bank bjb. Per t umbuhan kiner ja usaha senant iasa
diikut i dengan pener apan manajemen r isiko dan t at a kelola per usahaan yang baik agar moment um per t umbuhan dapat menjadi f undament al yang kokoh.
Per ser oan memandang bahwa f undament al yang baik dan kokoh, pada akhir nya akan menjadi penunjang per t umbuhan kiner ja usaha Per ser oan yang t elah dit ar get kan, yait u seper t i t er t uang dalam Kebijakan Umum Dir eksi sebagai acuan ker ja t ahunan ser t a Visi dan Misi Per ser oan yang menjadi acuan jangka panjang.
Keeping Momentum f or Future Growth
The Company r ealizes t hat it s good per f or mance is not only measur ed by t he gr owt h of r evenue and pr of it , but above all, it has t o be balanced wit h a good qualit y of business per f or mance. Fr om t he per spect ive of cr edit , f or example, it does not mer ely gr ow above t he aver age in t he indust r y, but it also has t o be able t o manage a r at io of non-per f or ming cr edit .
Cur r ent ly, bank bjb t r ies t o achieve t he goals ment ioned above. The gr owt h of it s business
per f or mance is cont inually f ollowed by t he implement at ion of r isk management and t op qualit y of company management t o allow t he moment um of gr owt h f or ming a st r ong f oundat ion.
The Company is of t he view t hat a st r ong and good f oundat ion at t he end will be t he suppor t t o t he t ar get ed gr owt h of t he Company’s business per f or mance, such as t hose t hat have been cover ed in t he Boar d of Dir ect or s’ Gener al Policy as t he year ly r ef er ence of wor k and t he Company’s Vission and Mission as t he long t er m r ef er ence.
IDX : BjbR
2015
2014
Strengthening the Foundation
Dengan mengevaluasi posisi kami di saat -saat penuh t ant angan, kami dapat memahami dengan jelas apa yang har us dilakukan unt uk mer aih kembali moment um per t umbuhan Per ser oan. Kami menyadar i per lunya melakukan per baikan di beber apa aspek oper asional dan kami t elah membuat ber bagai kebijakan dan mengambil t indakan yang diper lukan sebagai r espon at as t ant angan t er sebut . Pada dasar nya, kami t elah menyiapkan landasan yang lebih kokoh unt uk memacu per t umbuhan yang lebih cepat di masa mendat ang.
Strengthening the Foundation
Reassessing posit ion in t imes of challenge gives us a clear under st anding of what we should do t o r egain our moment um of gr owt h. We have not iced t he need f or impr ovement in sever al aspect s of our oper at ion and we have made policies and t aken act ions in r esponse t o t he challenge. Basically, we have pr epar ed our selves wit h a st r engt hened f oundat ion f or us t o spur s our f ut ur e gr owt h at higher r at e.
bank bjbLapor an Tahunan 20 15 Annual Repor t Int r oduct ion Management Repor t Company Pr of ile St ock & Obligat ion Highlight s Management Discussion & Analysis Good Cor por at e Gover nance Cor por at e Social Responsibilit y Consolidat ed Financial St at ement s Cor por at e Dat a
(10)
8
bank bjbLapor an Tahunan 20 15 Annual Repor t
0 1
0 2
18,4%
Per sent asi Kenaikan DPK
The incr ease per cent age of DPK
As a f or m of commit ment on t he
implement at ion of good company management , bank bjb r eceives t he awar d of “Best Unit of Gr at if icat ion Management f or St at e-Owned Ent er pr ise/ Regional St at e-Owned Ent er pr ise” in t he Year of 20 15 f r om t he Cor r upt ion Er adicat ion Commission (KPK).
Collect ion of Thir d Par t ies Funding of bank bjb in 20 15 was at t he amount of Rp72.637 t r illion. This number shows an incr ease at 19% compar ed t o it s pr eceding year t hat is in t he amount of Rp61.0 40 t r illion.
Sebagai wujud komit men at as
pener apan t at a kelola per usahaan yang
baik, bank
bjb mendapat kan penghar gaan
“BUMN/ D dengan Unit Pengendalian
Gr at if ikasi Ter baik Tahun 20 15 dar i Komisi
Pember ant asan Kor upsi (KPK).
Penghimpunan Dana Pihak Ket iga
bank
bjb pada t ahun 20 15 sebesar
Rp72.637 t r iliun. Meningkat sebesar
19% dibandingkan t ahun sebelumnya
yang sebesar Rp61.0 40 t r iliun.
Ikht isar
Kinerja
(11)
Int r oduct ion Management Repor t Company Pr of ile St ock & Obligat ion Highlight s Management Discussion & Analysis Good Cor por at e Gover nance Cor por at e Social Responsibilit y Consolidat ed Financial St at ement s Cor por at e Dat a
9
bank bjbLapor an Tahunan 20 15 Annual Repor t
0 3
0 4
Kenaikan Laba bersih bank bjb
Gr owt h of bank bjb’s Net Pr of it
Thr oughout t he year of 20 15,
t he net pr of it of bank bjb
exper iences an incr ease in t he amount of 24,66% t o become Rp1.381 t r illion if compar ed t o it s achievement in 20 14 t hat r eached Rp 1.10 8 t r illion.
Laba Bersih
Net Income
273M
24,66%
Peningkatan Jumlah Laba Bersih bank bjb di tahun 20 15
Gr owt h of bank bjb’s Net Pr of it in 20 15
20 15
Sepanjang t ahun 20 15, Laba ber sih
bank
bjb mengalami kenaikan
24,66 % menjadi Rp1.381 t r iliun bila
dibandingkan dengan pencapaian
20 14 sebesar Rp1.10 8 t r iliun.
The t ot al asset of bank
bjb in 20 15 incr eases at
16,92% t o become Rp88,69 t r illion if compar ed t o
it s achievement in 20 14 t hat was in t he amount of
Rp75,86 t r illion.
Tot al Aset bank
bjb pada t ahun 20 15
mengalami kenaikan 16,92% menjadi
Rp88,69 t r iliun bila dibandingkan
dengan pencapaian 20 14 sebesar
Rp75,86 t r iliun.
Per sent ase kenaikan t ot al aset bank bjb di
t ahun 20 15 The incr ease of t ot al asset s of bank bjb in
t he year of 20 15
+
16,92%
Aset Asset s
12
11 13
70 .958.233 70 .840 .878 54.448.658
75.861.310 88.729.760
15 14
(12)
10
bank bjbLapor an Tahunan 20 15 Annual Repor t
The r ole of bank bjb in Development
bank bjb as a business ent it y t hat r uns it s business act ivit ies in t he banking sect or has given many cont r ibut ions t o development not only at pr ovincial level, but also at nat ional level, consider ing t he oper at ion f ield of Company is not limit ed t o West Java and Bant en.
In t he f inance sect or , t he cont r ibut ion of bank bjb is by becoming a public company in 20 10 . Ther ef or e, t he Company has opened access t o t he people t o own shar es of bank bjb, including t o encour age t he f inancial sect or in Indonesia.
From the perf ormance side, the role of bank bjb in particular is shown in its distribution of credit that allows them to get involved in developing the national economy. In the year of 2015 f or example, the credit consumption that was distributed reached Rp38,22 trillion. As we are all aware, up to the 4th - 2015 Quarter, the household
consumption is the biggest support to the economy with a contribution in the amount of 56,64%.
Never t heless, t he Company also suppor t s business act ivit ies t hr ough cr edit dist r ibut ion. For cor por at ion cr edit , in t he year of 20 15 it r eached t he amount of Rp4,67 t r illion and f or Small and Medium Micr o Businesses (UMKM) it r eached t he amount of Rp50 6 billion. Thr ough suppor t of f unding t o business player s, bank bjb, among ot her s, has execut ed it s r ole in cr eat ing wor k f ields, and was involved in developing t he nat ional economy.
bank bjb sebagai ent it as bisnis yang ber ger ak di sekt or jasa per bankan t elah member ikan banyak kont r ibusi bagi pembangunan. Bukan hanya di t ingkat lokal pr ovinsi, t et api juga secar a nasional, mengingat wilayah oper asi Per ser oan t idak t er bat as di Jawa Bar at dan Bant en.
Di sekt or keuangan, kont r ibusi bank bjb adalah dengan menjadi per usahaan publik sejak t ahun 20 10 . Dengan demikian, Per ser oan membuka akses kepada masyar akat unt uk memiliki saham bank bjb, sekaligus menggair ahkan sekt or keuangan di Indonesia.
Dar i sisi kiner ja, per an bank bjb t er ut ama t er lihat pada penyalur an kr edit , sehingga ikut ber per an dalam menger akkan per ekonomian nasional. Pada t ahun 20 15 misalnya, kr edit konsumsi yang disalur kan mencapai Rp38,22 t r iliun. Seper t i kit a ket ahui, hingga kuar t al IV-20 15, konsumsi r umah t angga mer upakan penopang per ekonomian t er besar , dengan kont r ibusi 56,64%.
Kendat i demikian, Per ser oan juga ikut mendor ong dunia usaha melalui penyalur an kr edit . Unt uk kr edit kor por asi, t ahun 20 15 nilainya Rp4,67 t r iliun dan UMKM sebesar Rp50 6 miliar . Melalui dukungan pendanaan kepada dunia usaha, bank bjb ant ar a lain ikut ber per an dalam pencipt aan langan ker ja, sekaligus ikut mengger akkan per ekonomian nasional.
Peran
bank bjb
(13)
Int r oduct ion Management Repor t Company Pr of ile St ock & Obligat ion Highlight s Management Discussion & Analysis Good Cor por at e Gover nance Cor por at e Social Responsibilit y Consolidat ed Financial St at ement s Cor por at e Dat a
11
bank bjbLapor an Tahunan 20 15 Annual Repor t Sebagai Guber nur Jawa Bar at , saya amat mer asakan per an
ser t a dan dukungan bank bjb dalam ber bagai pr ogr am
pembangunan di Jawa Bar at . At as nama Pemer int ah Daer ah Pr ovinsi Jawa Bar at dan segenap masyar akat Jawa Bar at , saya ucapkan t er ima kasih at as par t isipasi akt if ini, t er ut ama t er kait pr ogr am pencet akan 10 0 .0 0 0 wir ausaha bar u. Selain it u, kiner ja dan ker ja ker as yang didedikasikan segenap jajar an bank bjb t elah membuahkan
hasil ber upa r aihan pr est asi dan penghar gaan sepanjang t ahun 20 15. Saya ber har ap pr est asi t er sebut dapat diper t ahankan dan t er us dit ingkat kan. Ke depan, semoga bank bjb dapat seger a mewujudkan visinya unt uk menjadi
10 Bank Ter besar dan Ber kiner ja Baik di Indonesia.
As t he Gover nor of West Java, I r eally t hankf ul f or t he par t icipat ion and suppor t of banks bjb in var ious
development pr ogr ams in West Java. On behalf of t he Pr ovincial Gover nment of West Java and all t he people of West Java, I t hank you f or your act ive par t icipat ion, par t icular ly r elat ed t o t he 10 0 ,0 0 0 new ent r epr eneur s pr ogr am. In addit ion, t he per f or mance and har d wor k dedicat ed by all employee of bank bjb has r esult ed in
t he achievement and awar ds t hr oughout 20 15. I do wish t hat bank bjb can maint ain t his achievement s and
even impr ove. Going f or war d, may bank bjb r ealized it s
vision t o be t he 10 Lar gest Banks and Per f or ms Well in Indonesia.
Ahmad Heryawan Gubernur Jawa Bar at
Test im oni N asabah
Cust omer Test imony
Saya mengenal bank bjb sejak t er gabung menjadi nasabah
di bank bjb Cabang Pur wakar t a. Ber gabungnya saya
dengan bank bjb dengan har apan agar dapat membant u
kelangsungan usaha saya di kemudian har i. Benar saja, sejak akt if menjadi nasabah bank bjb usaha saya benar
-benar t er bant u, t er ut ama dar i segi modal usaha dan pr omosi. Pr ogr am kr edit usaha yang dit awar kan bank
bjb benar -benar membant u usaha simping saya. Selain
it u, saya juga dapat mempr omosikan pr oduk usaha di acar a-acar a pamer an di bjb at au har i-har i besar dengan
dif asilit asi oleh bank bjb. Manf aat lain yang saya r asakan
sebagai nasabah yakni dapat t iga kali ber par t isipasi dalam Pelat ihan Pesat unt uk menambah penget ahuan saya t ent ang usaha.
I have known bank bjb since t he day I joined t he bank
as a cust omer at Pur wakar t a br anch. I joined bank bjb
wit h t he hope t o get suppor t f or my busines vent ur e any f ut ur e dat e. It t ur ns out t o be t r ue, ever since I act ively involved as a cust omer of bank bjb my business
vent ur e r eceives many helps especially it s capit al and pr omot ion per spect ives. The pr ogr am of cr edit of f er ed by bank bjb r eally helps my ot her business vent ur es.
In addit ion t o t hat , I can also pr omot e my pr oduct s in pr omot ion event s held by bank bjb or on public holidays
f acilit at ed by bank bjb. The ot her benef it s t hat I enjoy
as a cust omer is t hat I am pr ovided wit h t hr ee t imes par t icipat ion in Tr ainings t o add my knowledge about business.
Lilis Yuliawati
Saya mer asakan manf aat yang sangat besar sejak t er gabung sebagai nasabah bank bjb. Manf aat t er sebut
semakin t er asa sejak menjadi nasabah loyal di bank bjb. Kesan saya, sebagai inst it usi f inansial, bank bjb t idak hanya
menjual jasa dan pr oduk saja, t et api juga mengut amakan kepuasan par a nasabahnya. Saya juga mer asa bank
bjb t elah member ikan manf aat yang sangat maksimal,
khususnya bagi keluar ga saya. Dar i sisi pelayanan, bank bjb t elah member ikan pelayanan yang sangat
memuaskan, selain juga sangat kooper at if dan r esponsif t er hadap kebut uhan-kebut uhan nasabahnya. Sehingga saya mer asakan kedekat an di kala beker ja sama dengan bank bjb. Dar i sisi keuangan, bank bjb sangat membant u
saya dalam mengelola aset dan keuangan keluar ga. Selain it u, bank bjb juga sangat member ikan kemudahan dan
solusi t er baik bagi saya dalam ber t r ansaksi.
I f elt a huge benef it since I joined as a cust omer of bank
bjb. Such benef it can be mor e and mor e f elt when I
become a loyal cust omer of bank bjb. My impr ession
of bank bjb, as a f inancial inst it ut ion, it does not only
sell ser vices and pr oduct s, but it also put it s cust omer sat isf act ion as it s pr ior it y. I also f eel t hat bank bjb has
pr ovided me wit h maximum benef it , in par t icular f or my f amily. Fr om ser vices side, bank bjb has deliver ed a
sat isf act or y ser vice, aside f r om being ver y cooper at ive and r esponsive t o meet all t he needs of it s cust omer s. For t hese r easons, I f eel closer t o bank bjb at t imes
when we do par t ner ship or cooper at ion t oget her . Fr om f inancial side, bank bjb has gr eat ly helped me in
managing my f amily’s asset s and f inances. Fur t her mor e, bank bjb has pr ovided easiness and solut ions f or me in
doing t r ansact ions.
Sony Wisaksono
Per an bank bjb sebagai mit r a Pemer int ah Daer ah
Pr ovinsi Bant en dan masyar akat dalam upaya mendor ong laju per ekonomian daer ah t elah dir asakan oleh segenap masyar akat . Sebagai mit r a Pemer int ah Daer ah, bank bjb
menyediakan pr oduk yang dapat dimanf aat kan unt uk pendanaan pr oyek bagi r ekanan pemer int ah daer ah maupun pembiayaan invest asi. Sebagai penyedia jasa keuangan, bank bjb t elah ber hasil ber per an sebagai
int er mediat or , t er ut ama dalam menyalur kan kr edit kepada nasabahnya. bank bjb t idak hanya member ikan
kr edit pengembangan usaha, t et api juga member i pelat ihan dan pendampingan kepada par a debit ur mikr o di Pr ovinsi Bant en agar menjadi wir ausaha yang ber daya dan ber budaya, memiliki daya saing dan disiplin dalam menjalankan usaha ser t a mampu meningkat kan skala usahanya menjadi bankable.
The r ole of bank bjb as par t ner of Bant en Pr ovincial
Gover nment and t he communit y in an ef f or t t o pr omot e r egional economy has been f elt by t he communit y. As par t ner of Pr ovincial Gover nment , bank bjb pr ovides
pr oduct s t hat can be used f or t he f unding of pr oject s of gover nment par t ner s or f or invest ment . As pr ovider of f inancial ser vices, bank bjb successf ully played it s
r ole as int er mediar y, par t icular ly in dist r ibut ing loan t o cust omer s. Not only t hat bank bjb pr ovides cr edit f or
business development , bank bjb also pr ovides t r aining
and ment or ing f or micr o debt or in t he pr ovince of Bant en t o become ent r epr eneur s t hat ar e empower ed and cult ur ed, having st r ong compet it ive edge and disciplined in r unning t heir business and ar e able t o incr ease it s business scale and become bankable.
Rano Karno
(14)
12
bank bjbLapor an Tahunan 20 15 Annual Repor t
Ikht isar
Keuangan
Financial Highlight s
(dalam jut a Rupiah) (in million Rupiah)
No. Uraian 20 15 20 14* 20 13* 20 12 20 11 Description
A Jumlah Aset 88.697.430 75.861.310 70 .975.163 70 .840 .878 54.448.658 Tot al Asset s
B Penyalur an Dana 78.40 5.737 66.454.666 61.841.416 62.0 84.535 47.947.663 Cr edit
1. Kedit yang diber ikan (t er masuk kr edit bank lain)
60 .487.542 56.968.824 48.895.854 38.332.712 28.764.70 1 Disbur sed Loans
2. Penempat an pada Bank Lain 3.742.987 4.764.263 2.629.337 8.0 13.850 7.780 .90 5 Placement wit h Ot her Banks
3. SSB t er masuk SBI 12.838.70 0 7.125.371 10 .291.810 4.142.992 3.972.149 Secur it ies including BI Cer t if icat es
4. Rever se r epo 1.30 8.760 568.460 - 11.567.261 7.394.694 Rever se r epo
5. Penyer t aan 27.748 27.748 24.415 27.720 35.214 Placement s
C Penghimpun Dana 72.637.244 61.0 39.926 61.20 9.590 58.674.543 47.258.455 Funding
C.1. Dana Pihak Ket iga 63.30 6.50 5 53.487.890 47.220 .70 1 50 .60 7.925 39.0 42.777 Thir d Par t y Funds
1. Gir o 18.867.957 21.749.842 16.60 6.0 0 9 14.828.830 11.168.241 Cur r ent Account s
2. Tabungan 14.519.737 12.633.536 11.534.913 9.0 50 .286 6.270 .783 Savings
3. Deposit o 29.918.811 19.10 4.512 18.679.779 24.365.828 21.60 3.753 Time Deposit s
C.2. Dana Lainnya 9.330 .739 7.552.0 36 11.212.983 10 .941.680 8.215.678 Ot her Funding
1. Simpanan dar i Bank Lain 3.515.666 3.30 8.630 4.946.725 6.392.634 5.298.687 Deposit s f r om Ot her Banks
2. Obligasi yang dit er bit kan 1.724.0 0 0 1.724.0 0 0 2.396.611 2.395.0 91 2.742.993 Bonds issued
3. Repo 3.656.456 2.0 62.916 2.978.0 73 1.922.795 2.742.993 Repo
4. Pinjaman yang Dit er ima 434.617 456.490 324.337 231.160 173.998 Bor r owings
D Ekuit as 7.757.218 7.0 81.70 5 6.732.945 6.0 0 8.840 5.387.0 99 Equit y
D.1. Modal Dasar 2.424.0 73 2.424.0 73 2.424.0 73 2.424.0 73 2.424.0 73 Aut hor ized Capit al
- Pr opinsi Jawa Bar at 927.499 927.499 927.499 927.499 927.499 West Java Pr ovince
- Pr opinsi Bant en 130 .147 130 .147 130 .147 130 .147 130 .147 Bant en Pr ovince
- Kot a & kab se – Jawa Bar at 572.349 572.349 572.349 572.349 572.349 West Java Local Gover nment s
- Kot a & Kab. Se – Bant en 188.0 60 188.0 60 188.0 60 188.0 60 188.0 60 Bant en Local Gover nment s
- IPO (Init ial Public Of f er ing) 60 6.0 18 60 6.0 18 60 6.0 18 60 6.0 18 60 6.0 18 Init ial Public Of f er ing (IPO)
- Agio Saham 823.423 823.423 823.423 823.423 823.423 Pr emium on shar e Capit al - Net of Shar e Issuance Cost
- Kepent ingan non – Pengendali 44.338 40 .50 8 34.0 19 33.687 12.457 Non Cont r olling Int er est
D.2 Saldo Laba 4.60 1.329 3.918.473 8.572.872 2.727.657 2.127.146 Ret ained Ear nings
E Modal Bank 6.744.185 5.759.136 5.340 .417 4.572.375 4.535.765 Bank Capit al
1. Modal Int i 6.340 .452 5.737.839 5.350 .343 4.650 .0 62 4.551.623 Cor e Capit al
2. Modal Pelengkap 40 3.733 21.30 3 (9.926) (77.687) (15.858) Supplement ar y Capit al
3. Penyer t aan (- / -) (31.984) (31.984) (31.984) - - Invest ment s (- / -)
F Akt iva Ter t imbang Menur ut Risiko (ATMR)
41.613.610 35.818.0 15 32.351.477 19.511.884 19.939.939 Risk Weight ed Asset s
G Kualit as Akt iva Pr odukt if (t er masuk SBI) 80 .530 .733 67.241.870 65.381.249 59.10 1.812 45.938.735 Ear ning Asset Qualit y (include SBI)
1. Lancar 76.667.70 6 62.610 .40 6 61.759.0 48 57.299.810 45.0 29.998 Cur r ent
2. Dalam Per hat ian Khusus 1.930 .60 5 2.278.30 7 2.147.548 1.0 49.922 571.126 Special Ment ion
3. Kur ang Lancar 87.322 136.152 197.197 163.356 67.221 Subst andar d
4. Dir agukan 145.960 248.173 263.231 118.598 66.0 39 Doubt f ul
5. Macet 1.699.140 1.968.832 1.0 14.225 470 .126 20 4.351 Loss
H Laba (Rugi) Pr of it (Loss)
(15)
Int r oduct ion Management Repor t Company Pr of ile St ock & Obligat ion Highlight s Management Discussion & Analysis Good Cor por at e Gover nance Cor por at e Social Responsibilit y Consolidat ed Financial St at ement s Cor por at e Dat a
13
bank bjbLapor an Tahunan 20 15 Annual Repor t
(dalam jut a Rupiah) (in million Rupiah)
No. Uraian 20 15 20 14* 20 13* 20 12 20 11 Description
2. Beban Bunga (5.10 8.20 9) (4.330 .222) (3.350 .845) (3.140 .311) (2.915.841) Int er est Expense
3. Pendapat an Bunga Ber sih 4.976.242 4.461.598 4.782.143 3.655.375 3.0 61.20 9 Net Int er est Income
4. Pendapat an Oper asional Lainnya 565.789 616.970 457.258 330 .362 240 .168 Ot her Oper at ing Income
5. Beban Oper asional Lainnya (3.730 .734) (3.627.0 16) (3.487.470 ) (2.566.496) (2.0 26.483) Ot her Oper at ing Expense
6. Pendapat an (Beban) Oper asional Lainnya
1.811.297 1.451.552 1.751.931 1.419.241 1.274.894 Other Operating Income (expense)
7. Pendapat an Non Oper asional 56.927 37.984 27.497 112.185 60 .171 Non Oper at ing Income
8. Beban Non Oper asional (10 1.826) (28.411) (26.554) (18.927) (15.249) Non Oper at ing Expense
9. Laba Sebelum Pajak 1.766.398 1.423.141 1.752.874 1.512.499 1.319.816 Income Bef or e Tax
10 . Pajak (385.434) (315.345) (376.487) (319.195) (357.121) Tax
11. Laba Ber sih 1.380 .964 1.10 7.796 1.376.387 1.193.30 4 962.695 Net Income
12. Laba Sebelum Hak Minor it as 1.380 .964 1.10 7.796 1.376.387 1.193.30 4 962.695 Pr of it bef or e Minor it y
13. Hak Minor it as at as Laba Rugi Anak Per usahaan Yang Dikonsolidasikan
3.855 3.916 3.474 620 435 Minor it y f or Pr of it Loss Subsidiar ies Consolidat ed
14. Tot al Laba (Rugi) Kompr ehensif 1.369.829 1.10 3.451 1.376.387 1.193.20 4 962.695 Tot al Pr of it (Loss) Compr ehensive
15. Jumlah laba (Rugi) yang dapat diat r ibusikan kepada : - Pemilik ent it as induk - Kepent ingan non Pengendali Tot al 1.377.10 9 3.855 1.380 .964 1.10 3.880 3.916 1.10 7.796 1.372.913 3.474 1.376.987 1.192.684 620 1.193.30 4 962.261 435 962.696
Tot al income (loss) at t r ibut able t o: owner s of t he par ent noncont r olling int er est s -Tot al
16. Jumlah laba (r ugi) kompr ehensif yang dapat diat r ibusikan kepada - Pemilik ent it as induk - Kepent ingan non Pengendali Tot al 1.365.938 3.891 1.369.829 1.0 99.548 3.90 3 1.10 3.451 1.372.913 3.474 1.376.987 1.192.684 620 1.193.30 4 962.261 435 962.696
Tot al pr of it (loss) compr ehensive at t r ibut able t o: owner s of t he par ent noncont r olling int er est s -Tot al
17. Laba (Rugi) Per Saham 142,0 2 113,85 141,59 123,0 0 99,24 Pr of it (Loss) Per Shar e
RASIO – RASIO KEUANGAN (%) FINANCIAL RATIO (%)
1. Rasio Kiner ja Per f or mance Rat io
- CAR 16,21 16,0 8 16,51 18,11 18,36 CAR
- ROA 2,0 4 1,92 2,61 2,46 2,65 ROA
- ROE 23,0 5 18,92 26,76 25,0 2 21,0 0 ROE
- NIM 6,32 6,79 7,96 6,44 6,89 NIM
- NPL GROSS 2,91 4,15 2,83 2,0 7 1,21 NPL GROSS
- NPL NET 0 ,86 1,0 4 0 ,64 0 ,50 0 ,41 NPL NET
- BOPO 83,31 85,60 79,41 79,31 80 ,0 2 Oper at ing Expense t o Oper at ing Revenue
- LDR 88,13 93,18 96,47 74,0 9 72,95 LDR
2. Aset Pr odukt if Ber masalah terhadap Total Aset Produktif (%)
2,22 3,35 2,21 1,27 0 ,73 Non-Performing Earning Assets toTotal Earning Assets (%)
3. Aset Tet ap t er hadap Modal 25,54 27,73 22,0 1 25,22 23,22 Fixed Asset s To Capit al
(16)
14
bank bjbLapor an Tahunan 20 15 Annual Repor t
Ikhtisar Operasi
Operation Highlights
Aset
(Rp juta)
Asset s (Rp million)
12
11 13
70 .958.233 70 .840 .878
54.448.658
75.861.310
88.697.430
15 14
Kredit yang Diberikan
(Rp juta)
Disbur sed Loans (Rp million)
12
11 13
48.90 2.340 38.332.712
28.764.70 1
54.0 17.114
60 .487.542
15 14
Penghimpunan Dana
(Rp juta)
Funding (Rp million)
12
11 13
61.20 9.590 58.674.543
47.258.455
61.0 39.926
72.637.244
15 14
NPL Gross
(%)
NPL Gr oss (%)
12
11 13
2,83 2,0 7
1,21
4,15
2,91
15 14
Laba Bersih
(Rp juta)
Net Income (Rp million)
12
11 13
1.376.387 1.193.30 4
962.695
1.120 .0 34
1.380 .964
15 14
BOPO
(%)
BOPO (%)
12
11 13
79,41 79,31
80 ,0 2 85,60 83,31
15 14
Ikht isar Keuangan
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Int r oduct ion Management Repor t Company Pr of ile St ock & Obligat ion Highlight s Management Discussion & Analysis Good Cor por at e Gover nance Cor por at e Social Responsibilit y Consolidat ed Financial St at ement s Cor por at e Dat a
15
bank bjbLapor an Tahunan 20 15 Annual Repor t
Unt uk meningkat kan t r anspar ansi mengenai kar akt er ist ik pr oduk per bankan t er masuk manf aat , biaya dan r isikonya dalam r angka member ikan kejelasan kepada nasabah, dan mendor ong per saingan yang sehat dalam indust r i per bankan melalui t er cipt anya disiplin mar ket yang lebih baik unt uk memudahkan penilaian oleh masyar akat dan pelaku pasar , ber dasar kan POJK nomor 6/ POJK.0 3/ 20 15 t ent ang Tr anspar ansi dan Publikasi Lapor an Bank, per ser oan t elah melaksanakan publikasi Suku Bunga Dasar Kr edit di sur at kabar har ian dan juga pada websit e bank bjb di www. bankbjb.co.id
Keterangan:
• Suku Bunga Dasar Kr edit (SBDK) ini belum memper hitungkan komponen pr emi r isiko yang besar nya t er gant ung dar i penilaian Bank t er hadap r isiko masing-masing debit ur . Dengan demikian, besar nya suku bunga kr edit yang dikenakan kepada debit ur belum t ent u sama dengan SBDK.
• Dalam kr edit konsumsi non KPR t idak t er masuk penyediaan dana melalui kar t u kr edit dan kr edit t anpa agunan.
• Inf or masi SBDK yang ber laku set iap saat dapat dilihat pada publikasi di set iap kant or bank bjb dan/ at au websit e bank bjb(www.bankbjb.co.id).
• Tingkat suku bunga yang disajikan adalah ef ekt if p.a.
Description:
• This Cr edit Int er est Base (SBDK) has not considered t he component of r isks pr emium in which amount depends on t he valuat ion of t he Bank against t he r isks on each bor r ower . Ther ef or e, t he amount of cr edit int er est base imposed against a bor r ower may not be equal t o SBDK.
• In t he consumpt ion cr edit non-mor t gages (KPR) t here is an exlusion of f und pr ovidence t hr ough cr edit car ds and loans wit h no collat er als.
• The inf or mat ion of SBDK pr evails at all t imes and may be seen in t he ever y publicat ion at ever y of f ice of Bank BJB and/ or t he wesit e of Bank BJB (www.bankbjb.co.id).
• The level of int er sest pr ovided is an ef f ect ive int er est per annum.
To incr ease t r anspar ency on t he char act er ist ics of banking pr oduct s including t he benef it s, cost s and r isks, in or der t o pr ovide clar it y t o cust omer s, and t o pr omot e healt hy compet it ion in t he banking indust r y t hr ough t he cr eat ion of a bet t er mar ket discipline t o enable public and mar ket par t icipant s in assessing t he bank based POJK no. 6/ POJK.0 3/ 20 15 on Tr anspar ency and Publicat ion of Bank Repor t , t he Company published pr ime lending r at e in daily newspaper s and also on t he bank’s websit e namely www. bankbjb.co.id.
No. Materi Pengumuman
Topic of Announcement
Tayang Published on
Media Cetak Printed Media 1 Pengumuman Suku Bunga Dasar Kr edit
Pr ime Lending Rat e Announcement
9 Apr il 20 15 9 Apr il 20 15
Bisnis Indonesia
2 Pengumuman Suku Bunga Dasar Kr edit Pr ime Lending Rat e Announcement
13 Juli 20 15 13 July 20 15
Bisnis Indonesia
3 Pengumuman Suku Bunga Dasar Kr edit Pr ime Lending Rat e Announcement
8 Okt ober 20 15 8 Oct ober 20 15
Bisnis Indonesia
Per 31 Desember 20 15 (% per Tahun)
As per 31 December 20 15 (% per Year )
Suku Bunga Dasar Kredit Pr ime Lending Rat e Berdasarkan Segmen Bisnis
Based on Business Segment
Kredit Korporasi
Cor por at e Loans
Kredit Ritel
Ret ail Loans
Kredit Mikro
Micr o Loans
Kredit Konsumsi
Consumer Loans
KPR
KPR Non KPR | Non KPR
Suku Bunga Dasar Kr edit Pr ime Lending Rat e
10 ,80 % 12,73% 21,36% 10 ,93% 10 ,42%
Suku Bunga
Dasar Kredit
(SBDK)
Pr ime Lending Rat e
Suku Bunga Dasar Kr edit bank bjb per iode 31 Desember 20 15 Pr ime Lending Rat e Level bank bjb per iod 31 December 20 15
(18)
16
bank bjbLapor an Tahunan 20 15 Annual Repor t
Komit men ser t a kont r ibusi bank bjb bagi
negar a diapr esiasi oleh Kement er ian Keuangan melalui Dir ekt or at Jender al Pajak Kant or Wilayah Jawa Bar at I dengan menganuger ahi bank bjb sebagai Wajib
Pajak Ter baik.
bank bjb’s commit ment and cont r ibut ion t o
t he count r y was appr eciat ed by t he Minist r y of Finance t hr ough t he Dir ect or at e Gener al of Tax, Regional Of f ice of West Java I, who awar ded bank bjb as t he Best Tax Payer .
The Company held bank bjb Ser vice Excellence
Awar d (BBSEA) as a f or m of appr eciat ion t o employees of oper at ional sect or s in or der t o
impr ove t heir ser vice qualit y. In or der t o incr ease t he por t f olio of consumer loans, bank bjb ent er ed int o an agr eement wit h Bank Sult eng, r egar ding t he t r ansf er of r eceivables f r om Bank Sult eng’s mult ipur pose consumer cr edit , which also par t of bank bjb’s
mar ket ing st r at egy in east er n par t of Indonesia.
Per ser oan menyelenggar akan bank bjb
Ser vice Excellence Awar d (BBSEA) sebagai wujud penghar gaan kepada kar yawan/ t i dibidang oper asional guna meningkat kan kualit as pelayanan.
Guna meningkat kan por t of olio kr edit konsumer , bank bjb beker ja sama dalam
pengambilalihan piut ang (Asset Buy) por t of olio kr edit konsumt if mult iguna Bank Sult eng oleh bank bjb sekaligus menjadi
mar ket ing st r at egy bank bjb di wilayah
Indonesia bagian Timur .
13
Januari |
Januar y24
Januari |
Januar y26
Februari |
Febr uar ybank bjb beker ja sama dengan beber apa
lembaga keuangan yang ada di Saudi Ar abia dan juga beker ja sama dengan or ganisasi Posko Per juangan Tenaga Ker ja Indonesia (POSPERTKI) dalam mensosialisasikan pr oduk bank bjb kepada
par a TKI.
bank bjb ent er ed int o collabor at ion wit h sever al
f inancial inst it ut ions in Saudi Ar abia and also wit h POSPERTKI (The Indonesia Migr ant Wor ker Post of St r uggle) in disseminat ing bank bjb
pr oduct s t o t he wor ker s.
Analyst Meet ing FY-20 14.
Gener al Meet ing of Shar eholder s (AGM) of bank
bjb f or f inancial year 20 14.
Analyst Meet ing FY-20 14. Rapat Umum Pemegang Saham Tahunan (RUPST) bank bjb Tahun Buku 20 14.
26
Februari |
Febr uar y09
Maret |
Mar ch31
Maret |
Mar chPerist iw a
Pent ing 20 15
(19)
Int r oduct ion Management Repor t Company Pr of ile St ock & Obligat ion Highlight s Management Discussion & Analysis Good Cor por at e Gover nance Cor por at e Social Responsibilit y Consolidat ed Financial St at ement s Cor por at e Dat a
17
bank bjbLapor an Tahunan 20 15 Annual Repor t bank bjb is appoint ed by t he Dir ect or of
Tr easur y of t he Minist r y of Finance of t he Republic of Indonesia as one of t he Oper at ional Bank II Par t ner of St at e Tr easur y Of f ice in 20 15 t hat will pr ovide t he dist r ibut ion of salar y payment of civil ser vant s.
Launching of bjb Univer sit y (Lear ning Cent er ),
enhancing t he cooper at ion wit h STIE Ekuit as as t he or ganizer of t r aining and educat ion f or employees and pr ospect ive employees of bank
bjb.
Analyst Meet ing 1Q-20 15
bank bjb dit unjuk Dir ekt ur Per bendahar aan
Kement er ian Keuangan Republik Indonesia sebagai salah sat u Bank Oper asional II Mit r a Ker ja Kant or Pelayanan
Per bendahar aan Negar a Tahun 20 15 yang akan melakukan penyalur an dana gaji bulanan PNS.
Launching Pr ogr am bjb Univer sit y
(Lear ning Cent er ) sebagai bent uk peningkat an ker ja sama dengan STIE Ekuit as sebagai penyelenggar aan pelat ihan & pendidikan bagi par a pegawai dan calon pegawai bank bjb.
Analyst Meet ing 1Q-20 15
April |
AprilApril |
AprilApril |
April13
18
28
bank bjb par t icipat ed in PORSENI BPDSI in West
Java.
bank bjb dist r ibut ed cr edit linkage t o 3 BPR
(Semar ang). This par t ner ship is a syner gy bet ween commer cial banks and r ur al banks in Cent r al Java and Yogyakar t a f or equal dist r ibut ion of cr edit s, r eaching people living out side of bank bjb oper at ional ar eas.
Mass cir cumcision. A manif est at ion of dist r ibut ion of f und f or Cor por at e Social Responsibilit y (CSR), divided int o t hr ee (3) sect or s, namely Educat ion, Healt h & Envir onment al spr ead t hr oughout bank bjb
oper at ional ar eas.
Keikut ser t aan bank bjb pada PORSENI
BPDSI di Jawa Bar at .
bank bjb menyalur kan kr edit linkage
kepada t iga BPR (Semar ang). Kemit r aan ini mer upakan siner git as ant ar a bank umum dengan BPR di wilayah Jawa Tengah & DIY dalam r angka implement asi pemer at aan kr edit unt uk menjangkau masyar akat di ar ea luar wilayah oper sional bank bjb.
Khit anan Massal. Wujud nyat a akt ivit as penyalur an dana Cor por at e Social Responsibilit y (CSR) yang t er bagi dalam 3 (t iga) sekt or , yakni Pendidikan, Kesehat an & Lingkungan yang t er sebar di selur uh wilayah oper asional bank bjb.
Mei |
MayMei |
MayMei |
May(20)
18
bank bjbLapor an Tahunan 20 15 Annual Repor t
29
13
Juni
16
27
10-12
27
Per ist iwa Pent ing 20 15
20 15 Event Highlight s
Sebagai bent uk peningkat an kiner ja, bank
bjb melengkapi posisi jajar an pengur us
bank melalui RUPS LB bank bjb 20 15
dengan menunjuk Agus Mulyana menjadi Dir ekt ur Kepat uhan dan Manajemen Risiko.
Penyelenggar aan Kegiat an “Jabar Ber syukur ” Buka Puasa Ber sama bank bjb
dan Pempr ov Jawa Bar at ser t a 2.0 0 0 anak yat im & dhuaf a se Bandung Raya.
Bazaar Ramadhan UMKM bank bjb Tahun
20 15 & Launching Pr ogr am Pesat .
Penandat anganan PKS Kemendikbud - bank bjb dalam r angka Penyalur an Dana
Tunjangan Gur u. bank bjb dukung pembiayaan Pr oyek
Jalan Tol Gempol-Pandaan & Tol Cikampek-Palimanan.
Pengambilalihan Piut ang (Asset Buy) por t of olio kr edit konsumt if Bank SULTRA.
To enhance it s per f or mance, bank bjb complet ed
t he composit ion of it s management by appoint ing Mr . Agus Mulyana as t he Dir ect or of Compliance and Risk Management in bank
bjb 20 15 Ext r aor dinar y Gener al Meet ing of
Shar eholder s.
Or ganizing “Jabar Ber syukur ”, an event of br eaking t he f ast t oget her wit h 2,0 0 0 or phans and under pr ivileged people in Bandung.
bank bjb’s 20 15 Ramadan SME Bazaar and
Launching PESAT. Signing of memor andum of cooper at ion bet ween Minist r y of Educat ion and Cult ur e - bank bjb, r egar ding Disbur sement of Benef it f or
Teacher s. bank bjb suppor t s t he f inancing f or t he
const r uct ion of t oll r oad Gempol-Pandaan & Cikampek-Palimanan.
Taking over of r eceivables (Asset Buy) f r om Bank SULTRA consumer loan por t f olio.
Mei |
MayJuni |
JuneJuni |
June(21)
Int r oduct ion Management Repor t Company Pr of ile St ock & Obligat ion Highlight s Management Discussion & Analysis Good Cor por at e Gover nance Cor por at e Social Responsibilit y Consolidat ed Financial St at ement s Cor por at e Dat a
19
bank bjbLapor an Tahunan 20 15 Annual Repor t
28
30
10
30
05
31
04
bank bjb kembali menggelar event bjb f ut sal
Championship 20 15 sebagai sar ana dalam menyalur kan hobi sekaligus meningkat kan
br and awar eness bank bjb.
Penandat anganan PKS Dir ekt or at Jender al Gur u dan Tenaga Kependidikan dalam penggunaan jasa dan layanan per bankan bank bjb.
Har i Pelanggan Nasional 20 15 mer upakan wujud nyat a bank bjb unt uk t et ap
konsist en dalam member ikan pelayanan t er baik kepada par a nasabah dengan r amah, t ulus dan kekeluar gaan. bank bjb mendukung mar ching band
Git a Sur osowan pada Kejuar aan Dunia Dr um Cup Int er nat ional (DCI) yang diselenggar akan di Indianapolis, Amer ika Ser ikat .
Analyst Meet ing 2Q-20 15. Launching Per luasan Delivery Channel PBB-P2 di Alf amar t dan Alf amidi.
bank bjb again held bjb Fut sal Championship in
20 15 as an even of f or f ut sal ent husiast s and as a means t o incr ease bank bjb’s br and awar eness.
The signing of t he memor andum of cooper at ion bet ween Dir ect or at e Gener al of Teacher s and Educat ion Per sonnel on t he ut ilizat ion of bank
bjb’s ser vices.
The 20 15 Nat ional Cust omer Day is a t angible manif est at ion f r om bank bjb t o r emain
consist ent in pr oviding t he best ser vices t o it s cust omer s wit h f r iendly, sincer e and f amiliar manner .
bank bjb suppor t s t he mar ching band Git a
Sur osowan t o compet e at Dr um Cor ps Int er nat ional (DCI) Wor ld Championship in Indianapolis, USA.
Analyst Meet ing 2Q-20 15.
Launching t he Expansion of Deliver y Channel f or PBB-P2 at Alf amar t and Alf amidi.
Juli |
JulyJuli |
JulyAgustus |
AugustAgustus |
AugustAgustus |
August(22)
20
bank bjbLapor an Tahunan 20 15 Annual Repor t
09
10
23
27
29
09-13
Per ist iwa Pent ing 20 15
20 15 Event Highlight s
Ker ja sama ant ar a bank bjb dan Askr ida
dalam r angka per t anggungan asur ansi ker ugian agunan.
Siner git as bank bjb dengan BPN Kant or
Wilayah Pr ovinsi Jawa Bar at dalam pemanf aat an pr oduk, jasa dan layanan per bankan.
De’ Syukron 5.
Launchingbjb Club. Analyst Meet ing 3Q-20 15. Invest or Summit.
Cooper at ion bet ween bank bjb and Askr ida
r egar ding t he collat er al f or insur ance cover age.
Syner gy bet ween bank bjb and BPN Regional
Of f ice of West Java pr ovince in t he ut ilizat ion of pr oduct s, ser vices and banking ser vices.
De’ Syukr on 5.
bjb Club Launching. Analyst Meet ing 3Q-20 15. Invest or Summit .
September |
SeptemberOktober |
OktoberOktober |
OktoberOktober |
Oktober(23)
Int r oduct ion Management Repor t Company Pr of ile St ock & Obligat ion Highlight s Management Discussion & Analysis Good Cor por at e Gover nance Cor por at e Social Responsibilit y Consolidat ed Financial St at ement s Cor por at e Dat a
21
bank bjbLapor an Tahunan 20 15 Annual Repor t
17
24
26
27
29
27
bank bjb sebagai mit r a PT Taspen
(Per ser o) memper luas layanan pembayar an uang pensiunan melalui t abungan Tandamat a Pur nabhakt i meluncur kan Of f ice Channeling
PT Taspen (Per ser o).
Akt ivasi Tabungan Simpel dalam mendukung pr ogr am Ot or it as Jasa Keuangan (OJK) sebagai komit men dalam mengembangkan lit er asi keuangan dan inklusi keuangan.
Simposium Har i Gur u.
bank bjb t ur ut ber par t isipasi dalam
pr ogr am yang di inisiasi oleh OJK unt uk membangkit kan budaya menabung sejak dini kepada pelajar .
Media Gat hering bank bjb 20 15. bjb Wat er gun Fest ival.
bank bjb as a par t ner PT Taspen (Per ser o)
ext ending payment ser vice r et ir ement t hr ough savings souvenir Pur nabhakt i launched Of f ice Channeling PT Taspen (Per ser o).
Act ivat ion Simpel Saving Account s pr ogr am in suppor t of t he Financial Ser vices Aut hor it y (FSA) as a commit ment t o develop f inancial lit er acy and f inancial inclusion.
Symposium on Teacher ’s Day.
bank bjb t ook par t icipat ion in t he pr ogr am
init iat ed by t he FSA in r aising t he cult ur e of saving since ear ly on, among t he st udent s.
bank bjb Media Gat her ing 20 15. bjb Wat er gun Fest ival.
November |
NovemberNovember |
NovemberNovember |
November(24)
22
bank bjbLapor an Tahunan 20 15 Annual Repor t
13
JanuariJanuar y
Best Service Excellence Banking Kategori Berkinerja Baik
Indonesia Pr oper t y and Bank
Best Service Excellence f or Banking Category with Good Perf ormance
Indonesia Pr oper t y and Bank
Wajib Pajak Terbaik
Kement er ian Keuangan Republik Indonesia Dir ekt or at Jender al Pajak Kant or Wilayah Jawa Bar at I.
Top Taxpayer
Dir ect or at e Gener al of Tax Regional Of f ice of West Java I. The Minist r y of Finance of t he Republic of Indonesia.
Penghargaan dan
8JWYNąPFXN
Awar ds and Cer t if icat ions
0 1
22
SeptemberSept ember
0 8
0 4
JuniJune
1st Best SMS Banking
0 3
21
MeiMay
0 2
12
JuniJune
The Best Listed Company Regional Indonesia Bank
0 4
16
OktoberOct ober
0 9
Ranked 43r d in Most Valuable
Indonesian Br ands 20 15
Brand Finance Asia
Pasif ic
22
OktoberOct ober
10
The Best Champion of Bandung WOW Ser vice Excellence Awar d Cat egor y: Conventional Banking (BUKU III)
Markplus
Juar a 2 Annual Repor t Awar d 20 14 “BUMD List ed”
ARA
2nd Winner of Annual
Repor t Awar d 20 14 “List ed ent er pr ises”
(25)
Int r oduct ion Management Repor t Company Pr of ile St ock & Obligat ion Highlight s Management Discussion & Analysis Good Cor por at e Gover nance Cor por at e Social Responsibilit y Consolidat ed Financial St at ement s Cor por at e Dat a
23
bank bjbLapor an Tahunan 20 15 Annual Repor t
10
SeptemberSept ember
Gold Champion of Indonesia WOW Br and 20 15, Cat egor y: Saving Account (BUKU III)
Markplus
Gold Champion of Indonesia WOW Br and 20 15, Cat egor y: Saving Account (BUKU III)
Markplus
0 6
10
SeptemberSept ember
Gold Champion of Indonesia WOW Br and 20 15, Cat egor y: Time Deposit - Convent ional
Banking (BUKU III)
Markplus
Gold Champion of Indonesia WOW Br and 20 15, Cat egor y: Time Deposit - Convent ional
Banking (BUKU III)
Markplus
0 7
14
AgustusAugust
Kiner ja Keuangan “Best of t he Best ” 20 0 0 -20 14
“Best of t he Best ” awar d f or Financial Per f or mance f r om 20 0 0 -20 14
0 5
10
DesemberDecember
12
BUMN/ D dengan Unit Pengendalian Gr at if ikasi Ter baik Tahun 20 15
KPK
The Best Gr at uit y Cont r ol Unit of t he Year 20 15 f or SOE
KPK
16
NovemberNovember
11
Top 50 Public List ed Company
(26)
bank bjbLapor an Tahunan 20 15 Annual Repor t
24
24
(27)
Int r oduct ion Management Repor t
Company Pr of ile St ock & Obligat ion Highlight s Management Discussion & Analysis Good Cor por at e Gover nance Cor por at e Social Responsibilit y Consolidat ed Financial St at ement s Cor por at e Dat a
bank bjbLapor an Tahunan 20 15 Annual Repor t
25
25
bank bjbLapor an Tahunan 20 15 Annual Repor t Int r oduct ion Management Repor t
Company Pr of ile St ock & Obligat ion Highlight s Management Discussion & Analysis Good Cor por at e Gover nance Cor por at e Social Responsibilit y Consolidat ed Financial St at ement s Cor por at e Dat a
Laporan
M anajem en
M anag em ent Rep o rt
Daft ar Isi |
Tab le of Co nt ent sLapor an Dewan Komisar is 26 Repor t f r om t he Boar d of Commissioner s
Lapor an Dir ekt ur Ut ama 36 Repor t f r om Pr esident Dir ect or
(28)
bank bjbLapor an Tahunan 20 15 Annual Repor t
26
Laporan
Dew an Kom isaris
Repor t f r om t he Boar d of Commissioner s
bank bjb Lapor an Tahunan 20 15 Annual Repor t
26
Klemi Subiyantoro
Komisar is Independen Pelaksana Tugas Komisar is Ut ama Independent Commissioner Act ing Pr esident Commissioner
(1)
KRITERIA + PENJELASAN Halaman
| Page CRITERIAS + EXPLANATIONS
22 Per kar a pent ing yang sedang dihadapi oleh per usahaan, ent it as anak, anggot a Dir eksi dan/ at au anggot a Dewan Komisar is yang menjabat pada per iode lapor an t ahunan
544-550 Impor t ant legal cases f aced by t he Company, subsidiar ies, member s of t he Boar d of Dir ect or s and/ or Boar d of Commissioner s ser ving in t he per iod of t he annual r epor t . Mencakup ant ar a lain: Inf or mat ion includes among ot her s:
1. pokok per kar a/ gugat an; ¥ 1. Subst ance of t he case/ claim; 2. st at us penyelesaian per kar a/ gugat an; ¥ 2. St at us of set t lement of case/ claim;
3. pengar uhnya t er hadap kondisi per usahaan; dan ¥ 3. Pot ent ial impact s on t he f inancial condit ion of t he company; and
4. sanksi administ r asi yang dikenakan kepada Ent it as, anggot a Dewan Komisar is dan Dir eksi, oleh ot or it as t er kait (pasar modal, per bankan dan lainnya) pada t ahun buku t er akhir (at au t er dapat per nyat aan bahwa t idak dikenakan sanksi administ r asi).
¥ 4. Administ r at ive sanct ions imposed on t he Company, t he Boar d of Commissioner s and Boar d of Dir ect or s, by t he r elat ed aut hor it ies (capit al mar ket s, banking and ot her s) in t he last f iscal year (or t her e is a st at ement t hat is not subject t o administ r at ive sanct ions).
Cat at an: dalam hal t idak ber per kar a, agar diungkapkan. - Not es: in case not lit igant s, t o be disclosed. 23 Akses inf or masi dan dat a per usahaan 551-555 Access t o cor por at e inf or mat ion and dat a.
Ur aian mengenai t er sedianya akses inf or masi dan dat a per usahaan kepada publik, misalnya melalui websit e (dalam bahasa Indonesia dan bahasa Inggr is), media massa, mailing list , bulet in, per t emuan dengan analis, dan sebagainya
Descr ipt ion on t he availabilit y of access t o cor por at e inf or mat ion and dat a t o t he public, f or example t hr ough websit e, mass media, mailing list , bullet in, analyst meet ing, et c.
24 Bahasan mengenai kode et ik 556-563 Discussion of company code of conduct . Memuat ur aian ant ar a lain: Cont ains inf or mat ion on:
1. Isi kode et ik; ¥ 1. Cont ent of t he Code of Conduct ; 2. Pengungkapan bahwa kode et ik ber laku bagi selur uh level
or ganisasi;
¥ 2. Disclosur e on t he r elevancy of t he code of conduct f or all levels of t he or ganizat ion;
3. Penyebar luasan kode et ik; ¥ 3. Socializat ion of t he Code of Conduct ;
4. Jenis sanksi unt uk set iap pelanggar an kode et ik; dan ¥ 4. Type of sanct ion f or each violat ion of code of conduct ; and 5. Jumlah pelanggar an kode et ik beser t a sanksi yang
diber ikan pada t ahun buku t er akhir .
¥ 5. The number of violat ion of code of conduct and sanct ion t her eof in t he last f iscal year .
Cat at an: apabila t idak t er dapat pelanggar an kode et ik pada t ahun buku t er akhir , agar diungkapkan.
- Not e: To be disclosed if t her e is no violat ion t o t he code of conduct in t he last f iscal year
25 Pengungkapan mengenai whist leblowing syst em 564-568 Disclosur e on t he whist leblowing syst em. Memuat ur aian t ent ang mekanisme whist leblowing syst em
ant ar a lain:
Descr ipt ion of t he mechanism of t he whist leblowing syst em, including:
1. Penyampaian lapor an pelanggar an; 1. Mechanism f or violat ion r epor t ing; 2. Per lindungan bagi whist leblower ; 2. Pr ot ect ion f or t he whist leblower ; 3. Penanganan pengaduan; 3. Handling of violat ion r epor t ;
4. Pihak yang mengelola pengaduan; dan 4. The unit r esponsible f or handling of violat ion r epor t ; and 5. Jumlah pengaduan yang masuk dan dipr oses pada t ahun
buku t er akhir ser t a t indak lanjut nya.
5. Number of r eceived complaint and pr ocessed in t he last f iscal year and t he f ollow-up handling.
Cat at an: apabila t idak t er dapat pengaduan yang masuk pada t ahun buku t er akhir , agar diungkapkan.
Not e: t o be disclosed if t her e is no complaint r eceived in t he last f iscal year
26 Kebijakan mengenai keber agaman Komposisi Dewan Komisar is dan Dir eksi.
40 9-410 , 476 The policy about diver sit y of t he Boar d of Commissioner s and Boar d of Dir ect or s composit ion.
Ur aian kebijakan Per usahaan mengenai keber agaman komposisi Dewan Komisar is dan Dir eksi dalam pendidikan (bidang st udi), pengalaman ker ja, usia, dan jenis kelamin.
Descr ipt ion of t he Company’s policy on diver sit y of t he Boar d of Commissioner s and Boar d of Dir ect or s composit ion on Educat ion (f ield of st udy), wor k exper ience, age, and gender . Cat at an: apabila t idak ada kebijakan dimaksud, agar
diungkapkan alasan dan per t imbangannya.
- Not e: t he r easons and consider at ion should be disclosed, if t her e ar e no such policy.
(2)
bank bjbLapor an Tahunan 20 15 Annual Repor t
862
KRITERIA + PENJELASAN Halaman
| Page CRITERIAS + EXPLANATIONS
VII. Inf ormasi Keuangan Financial Inf ormation
1 Sur at Per nyat aan Dir eksi dan/ at au Dewan Komisar is t ent ang Tanggung Jawab at as Lapor an Keuangan
597 St at ement by t he Boar d of Dir ect or s concer ning t he Responsibilit y of t he Boar d of Dir ect or s on t he Financial St at ement .
Kesesuaian dengan per at ur an t er kait t ent ang Tanggung Jawab at as Lapor an Keuangan
Compliance wit h Bapepam-LK Regulat ion No.VIII.G.11 on Responsibilit y of t he Boar d of Dir ect or s on t he Financial St at ement .
2 Opini audit or independen at as lapor an keuangan 599-60 0 Independent audit or ’s opinion on t he f inancial st at ement . 3 Deskr ipsi Audit or Independen di Opini 60 0 Descr ipt ion of t he Independent Audit or in t he Opinion.
Deskr ipsi memuat t ent ang: The descr ipt ion cont ains: 1. Nama & t anda t angan; ¥ù 1. Name and signat ur e; 2. Tanggal Lapor an Audit ; dan ¥ 2. Dat e of t he audit r epor t ; and
3. Nomor ijin KAP dan nomor ijin Akunt an Publik. ¥ 3. KAP license number and Public Account ant license number . 4 Lapor an keuangan yang lengkap 60 1-799 Compr ehensive f inancial st at ement .
Memuat secar a lengkap unsur -unsur lapor an keuangan: Cont ains all element s of t he f inancial st at ement : 1. Lapor an posisi keuangan (ner aca); 60 1-60 4 1. Financial Posit ion (Balance sheet );
2. Lapor an laba r ugi kompr ehensif ; 60 5-60 6 2. Compr ehensive Pr of it loss st at ement ; 3. Lapor an per ubahan ekuit as; 60 7 3. St at ement of changes in equit y; 4. Lapor an ar us kas; 60 8-60 9 4. St at ement of Cash f lows; 5. Cat at an at as lapor an keuangan; 610 -799 5. Not es t o t he f inancial st at ement ;
6. Inf or masi kompar at if mengenai per iode sebelumnya; dan ¥ 6. Compar at ive inf or mat ion of t he pr evious per iod; and 7. Lapor an posisi keuangan pada awal per iode kompar at if
yang disajikan ket ika ent it as mener apkan suat u kebijakan akunt ansi secar a r et r ospekt if at au membuat penyajian kembali pos-pos lapor an keuangan, at au ket ika ent it as mer eklasif ikasi pos-pos dalam lapor an keuangannya (jika r elevan).
¥ 7. Financial posit ion at t he st ar t of compar at ive per iods being pr esent ed when t he company implement r et r ospect ive applicat ion of account ing policies, or r e-st at ed it s account s of f inancial st at ement s, or r e-classif ied t he account s of it s f inancial st at ement s (wher e applicable).
5 Per bandingan t ingkat pr of it abilit as. 60 5-60 6 Compar ison of pr of it abilit y. Per bandingan laba (r ugi) t ahun ber jalan dengan t ahun
sebelumnya.
Compar ison of pr of it (loss) f r om oper at ions f or t he year by t he pr evious year .
6 Lapor an Ar us Kas. 60 8-60 9 Cash Flow Repor t .
Memenuhi ket ent uan sebagai ber ikut : Meet s t he f ollowing pr ovisions: 1. Pengelompokan dalam t iga kat egor i akt ivit as: oper asi,
invest asi, dan pendanaan;
1. Gr ouped int o t hr ee cat egor ies of act ivit y: oper at ional act ivit y, invest ment , and f unding;
2. Penggunaan met ode langsung (dir ect met hod) unt uk melapor kan ar us kas dar i akt ivit as oper asi;
2. Uses a dir ect met hod r epor t ing f or cash f lows f or oper at ional act ivit y;
3. Pemisahan penyajian ant ar a pener imaan kas dan at au pengeluar an kas selama t ahun ber jalan pada akt ivit as oper asi, invest asi dan pendanaan; dan
3. Separ at ing t he pr esent at ion bet ween cash r eceipt and or cash expended dur ing t he cur r ent year f or oper at ional, invest ment , and f unding act ivit ies; and
4. Pengungkapan t r ansaksi non kas har us dicant umkan dalam cat at an at as lapor an keuangan.
4. Disclosing act ivit ies t hat do not inf luence t he cash f low.
7 Ikht isar Kebijakan Akunt ansi 621-669 Summar y of Account ing Policy. Meliput i sekur ang-kur angnya: Includes at least :
1. Per nyat aan kepat uhan t er hadap SAK; ¥ 1. St at ement of compliance t o Financial Account ing St andar d; 2. Dasar pengukur an dan penyusunan lapor an keuangan; ¥ 2. Basis f or t he measur ement and pr epar at ion of f inancial
st at ement s;
3. Pengakuan pendapat an dan beban; ¥ 3. Recognit ion of r evenues and expenses; 4. Imbalan ker ja; dan ¥ 4. Wor k compensat ion; and
5. Inst r umen Keuangan. ¥ 5. Financial inst r ument s.
8 Pengungkapan t r ansaksi pihak ber elasi 751-754 Disclosur e on t r ansact ion wit h r elat ed par t ies Hal-hal yang diungkapkan ant ar a lain: Disclosur e of , among ot her s:
Ref er ensi Silang Kr it er ia Annual Repor t Awar d (ARA)
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1. Nama pihak ber elasi, ser t a sif at dan hubungan dengan pihak ber elasi;
¥ 1. Name of r elat ed par t y, and nat ur e of r elat ion wit h r elat ed par t y;
2. Nilai t r ansaksi beser t a per sent asenya t er hadap t ot al pendapat an dan beban t er kait ; dan
¥ 2. Amount of t r ansact ion and it s per cent age t o t ot al r elat ed r evenues and expenses; and
3. Jumlah saldo beser t a per sent asenya t er hadap t ot al aset at au liabilit as.
¥ 3. Tot al balance of t r ansact ion and it s per cent age t o t ot al asset s or liabilit ies.
9 Pengungkapan yang ber hubungan dengan per pajakan. 660 -662,728-733
Disclosur e r elat ed t o t axat ion.
Hal-hal yang har us diungkapkan: Issues t hat should be disclosed:
1. Rekonsiliasi f iskal dan per hit ungan beban pajak kini; ¥ 1. Fiscal r econciliat ion and calculat ion of cur r ent t ax; 2. Penjelasan hubungan ant ar a beban (penghasilan) pajak
dan laba akunt ansi;
¥ 2. Explanat ion on t he r elat ion bet ween t ax expenses (benef it ) and account ing/ book pr of it ;
3. Per nyat aan bahwa Laba Kena Pajak (LKP) hasil r ekonsiliasi dijadikan dasar dalam pengisian SPT Tahunan PPh Badan;
¥ 3. St at ement t hat t he amount of Taxable Pr of it as calculat ed t hr ough r econciliat ion is in accor dance wit h t he Tax Ret ur n; 4. Rincian aset dan liabilit as pajak t angguhan yang diakui
pada lapor an posisi keuangan unt uk set iap per iode penyajian, dan jumlah beban (penghasilan) pajak t angguhan yang diakui pada lapor an laba r ugi apabila jumlah t er sebut t idak t er lihat dar i jumlah aset at au liabilit as pajak t angguhan yang diakui pada lapor an posisi keuangan; dan
¥ 4. Det ails of def er r ed t ax asset s and liabilit ies r ecognized on t he f inancial posit ion (balance sheet ) f or each r epor t ing per iod, and t he amount of def er r ed t ax expenses (benef it ) r ecognized in t he pr of it / loss st at ement in t he event t hat t he amount is not r ecognizable f r om t he amount of def er r ed t ax asset s and liabilit ies pr esent ed on t he f inancial posit ion (balance sheet ); and
5. Pengungkapan ada at au t idak ada sengket a pajak. ¥ 5. Disclosur e of whet her or not t her e is a t ax disput e. 10 Pengungkapan yang ber hubungan dengan aset t et ap 711-712 Disclosur e r elat ed t o Fixed Asset s.
Hal-hal yang har us diungkapkan: Issues t hat should be disclosed: 1. Met ode penyusut an yang digunakan; ¥ 1. Depr eciat ion met hod used; 2. Ur aian mengenai kebijakan akunt ansi yang dipilih ant ar a
model r evaluasi dan model biaya;
¥ 2. Descr ipt ion of t he select ed account ing policies bet ween t he r evaluat ion model and cost model;
3. Met ode dan asumsi signif ikan yang digunakan dalam mengest imasi nilai wajar aset t et ap (unt uk model r evaluasi) at au pengungkapan nilai wajar aset t et ap (unt uk model biaya); dan
¥ 3. The met hods and signif icant assumpt ions used in est imat ing t he f air value of f ixed asset s (r evaluat ion model) or disclosur e of t he f air value of f ixed asset s (cost model); and
4. Rekonsiliasi jumlah t er cat at br ut o dan akumulasi penyusut an aset t et ap pada awal dan akhir per iode dengan menunjukkan: penambahan, pengur angan dan r eklasif ikasi.
¥ 4. Reconciliat ion of t he gr oss book value and accumulat ed depr eciat ion of f ixed asset s at t he beginning and end of t he r epor t ing per iod, showing any addit ion, r educt ion and r eclassif icat ion.
11 Pengungkapan yang ber hubungan dengan segmen oper asi* 665,755-757 Disclosur es r elat ing t o oper at ing segment * Hal-hal yang har us diungkapkan: Issues t hat should be disclosed:
1. Inf or masi umum yang meliput i f akt or -f akt or yang digunakan unt uk mengident if ikasi segmen yang dilapor kan;
¥ 1. Gener al inf or mat ion which includes t he f act or s used t o ident if y segment s t hat ar e r epor t ed;
2. Inf or masi t ent ang laba r ugi, aset , dan liabilit as segmen yang dilapor kan;
¥ 2. Inf or mat ion about income, asset s, and liabilit ies of t he r epor t ed segment ;
3. Rekonsiliasi dar i t ot al pendapat an segmen, laba r ugi segmen yang dilapor kan, aset segmen, liabilit as segmen, dan unsur mat er ial segmen lainnya t er hadap jumlah t er kait dalam ent it as; dan
¥ 3. Reconciliat ion of t ot al segment r evenues, r epor t ed segment pr of it or loss, segment asset s, segment liabilit ies and ot her segment mat er ial element s t o t he r elat ed number of t he ent it y; and
4. Pengungkapan pada level ent it as, yang meliput i inf or masi t ent ang pr oduk dan/ at au jasa, wilayah geogr af is dan pelanggan ut ama.
¥ 4. Disclosur es at ent it y level, which includes inf or mat ion about pr oduct s and/ or ser vices, geogr aphic ar eas and major cust omer s.
12 Pengungkapan yang ber hubungan dengan Inst r umen Keuangan
640 ,671,745, 758-786, 788-790
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bank bjbLapor an Tahunan 20 15 Annual Repor t
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Hal-hal yang har us diungkapkan: Issues t hat should be disclosed: 1. Rincian inst r umen keuangan yang dimiliki ber dasar kan
klasif ikasinya;
¥ 1. The Det ail of f inancial inst r ument s based on t he classif icat ion;
2. Nilai wajar dan hir ar kinya unt uk set iap kelompok inst r umen keuangan;
¥ 2. The f air value and t he hir ear chy of each class of f inancial inst r ument s;
3. Kebijakan manajemen r isiko; ¥ 3. Risk management policy; 4. Penjelasan r isiko yang t er kait dengan inst r umen
keuangan: r isiko pasar , r isiko kr edit dan r isiko likuidit as; dan
¥ 4. Explanat ion of t he r isks associat ed wit h f inancial inst r ument s: mar ket r isk, cr edit r isk and liquidit y r isk; and
5. Analisis r isiko yang t er kait dengan inst r umen keuangan secar a kuant it at if .
¥ 5. Risk analysis r elat ed t o f inancial inst r ument s quant it at ively.
13 Pener bit an lapor an keuangan. 799 Publicat ion of f inancial st at ement s. Hal-hal yang diungkapkan ant ar a lain: Issues t o be disclosed include:
1. Tanggal lapor an keuangan diot or isasi unt uk t er bit ; dan ¥ 1. The dat e t hat t he f inancial st at ement s is aut hor ized t o be published; and
2. Pihak yang ber t anggung jawab mengot or isasi lapor an keuangan.
¥ 2. The par t y r esponsible t o aut hor ize t he published f inancial st at ement s.
* Kr it er ia khusus unt uk Per usahaan List ed * Special Cr it er ias f or List ed Company
Ref er ensi Silang Kr it er ia Annual Repor t Awar d (ARA)
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