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Laporan Tahunan
Strengthening 2014
Annual Report
the Foundation
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DAFTAR ISI Contents
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PENDAHULUAN 3URÀO'LUHNVL 68
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• Tanggung Jawab Pelaporan Tahunan 2014 36 &RQVXPHU
Responsibility for 2014 Annual Reporting
• bjb Precious 128
PROFIL PERUSAHAAN bjb Precious
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• Korporasi & Komersial 136
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• Internasional & Treasuri 154
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Milestones
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Vision & Mission
• Tinjauan Anak Perusahaan 180
• Nilai-Nilai Perusahaan 53 6XEVLGLDU\3HUIRUPDQFH5HYLHZ
Corporate Values
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• Bidang Usaha 54 6KDULD%XVLQHVV
Line of Business
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TINJAUAN KEUANGAN
FINANCIAL REVIEW 202 • Sekretaris Dewan Komisaris 486
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• Perekonomian Indonesia Tahun 2014 203
Indonesian Economy in 2014 • Direksi 488
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General Performance in 2014 • Komite Di Bawah Koordinasi Direksi 506
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Pendahuluan
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bank bjb Laporan Tahunan 2014

Introduction
Management Report
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Corporate Data
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bank bjb Annual Report 2014

Pendahuluan
Laporan Manajemen
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PERJALANAN MENJADI
%$1.1$6,21$/<$1*.2.2+
JOURNEY TO BECOME A SOLID NATIONAL BANK
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2009 2010 2011
Meneguhkan komitmen untuk menjadi Melaksanakan penawaran saham Meningkatkan kualitas di berbagai
bagian dari 10 bank nasional terbesar perdana (IPO) dan mengubah logo aspek organisasi dan operasional
dengan kinerja baik menjadi bank bjb sebagai bagian untuk menuju pertumbuhan yang lebih
dari identitas Perseroan yang sedang pesat di semua lini usaha bank bjb.
bertransformasi dari bank daerah
menjadi menjadi bank nasional.
Strengthen the commitment to become Carry out an initial public offering Improving the quality of organizational
one of the 10 largest well-performing (IPO) and change logo into bank bjb and operational aspects in order to
national banks. as part of the identity of the Company achieve more rapid growth in all lines
undergoing a transformation from of business of banks bjb.
provincial bank into national bank.

Introduction
Management Report
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Corporate Data
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2012 2013 2014
Konsisten meningkatkan jumlah jaringan Fokus pada peningkatan kualitas, baik Memperkuat fondasi operasional
pelayanan, keragaman produk, serta dari aspek kinerja, pelayanan maupun dan peningkatan penerapan
mengokohkan citra korporat sebagai sumber daya manusia. Diharapkan, GCG agar kinerja usaha bank bjb
bank nasional. bank bjb senantiasa mampu semakin kokoh guna memacu
menciptakan nilai tambah lebih besar pertumbuhan yang lebih cepat di
bagi seluruh pemangku kepentingan. masa mendatang.
Consistent in increasing the number Focus on improving the quality, both Strengthen the operational foundation
of service network, product diversity, from the aspect of performance, DQGLPSURYHWKHLPSOHPHQWDWLRQRI
and strengthen corporate image as a service and human resources. bank *&*VRWKDWWKHEDQNEME·VEXVLQHVV
national bank. bjb is expected to always able to performance will grow more robust
create greater added value for all in order to spur faster growth in the
stakeholders. future.

Pendahuluan
Laporan Manajemen
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Performance Highlights
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Assets +6,87% Equity +5,44%
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Rp Million 75.836 Rp Million 7.084
70.840 70.958 6.718
6.009
5.387
54.448
4.990
43.445
2010 2011 2012 2013 2014 2010 2011 2012 2013 2014
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Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
5
13,27%
Penghimpunan Dana Pihak Ketiga bank bjb
pada tahun 2014 sebesar Rp53,48 triliun,
meningkat sebesar 13,27% dibandingkan
tahun sebelumnya yang sebesar Rp47,195
triliun.
bankEME·VDFTXLVLWLRQRI7KLUG3DUW\)XQGV
in 2014 amounted to Rp53.48 trillion,
an increase of 13.27% compared to the
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trillion.
118,25%
Sepanjang tahun 2014, kinerja pendapatan
operasional bjb melampaui target yang
telah ditetapkan, dengan pencapaian yaitu
118,25% atau sebesar Rp1,466 triliun di atas
target anggaran yang ditetapkan.
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income performance exceeded the target
set, namely 118.25% or Rp1.466 trillion
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Rp75,836
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Total Aset bank bjb pada tahun 2014
mengalami kenaikan 6,87% menjadi
Rp75,836 triliun bila dibandingkan dengan
pencapaian 2013 sebesar Rp70,958 triliun.
Total assets of bank bjb in 2014 increased
6.87% to Rp75.836 trillion when compared to
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Rp70.958 trillion.

Pendahuluan
Laporan Manajemen
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IKHTISAR KEUANGAN
),1$1&,$/+,*+/,*+76
%BMBN+VUBBO3VQJBI"OHLBBOHLBQBEBTFMVSVIUBCFMEBOHSBmLNFOHHVOBLBOOPUBTJ*OEPOFTJB In millions of Rupiah. Numerical notations in all tables and graphs are in Indonesian.
No Uraian 2010 2011 2012 2013 2014 Description

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1. Kredit yang diberikan (termasuk kredit
23.669.719 28.764.701 38.332.712 48.902.340 54.017.114 Disbursed Loans
bank lain)
2. Penempatan pada Bank Lain 12.748.488 7.780.905 8.013.850 2.629.337 4.764.263 Placement with Other Banks
3. SSB termasuk SBI 2.412.822 3.972.149 4.142.992 10.291.810 7.125.371 4FDVSJUJFTJODMVEJOH#*$FSUJmDBUFT
4. Reverse repo - 7.394.694 11.567.261 - 568.460 Reverse repo
5. Penyertaan 35.214 35.214 31.984 24.415 27.748 Placements
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1. Dana Pihak Ketiga 31.953.462 39.042.777 50.607.925 49.996.607 53.487.890 Third Party Funds
• Giro 7.610.327 11.168.241 14.828.830 16.735.445 21.749.842 Current Accounts
• Tabungan 4.876.716 6.270.783 9.050.286 12.210.581 12.633.536 Savings
• Deposito 19.466.419 21.603.753 24.365.828 21.050.581 19.104.512 Time Deposits
2. Dana Lainnya 5.112.166 8.215.678 10.941.680 11.212.983 7.552.036 Other Funding
• Simpanan Dari Bank Lain 3.353.645 5.298.687 6.392.634 5.513.962 3.308.630 Deposits from Other Banks
• Obligasi yang diterbitkan 1.745.936 2.742.993 2.395.091 2.396.611 1.724.000 Bonds issued
• Repo 1.745.936 2.742.993 1.922.795 2.978.073 2.062.916 Bonds issued
3. Pinjaman yang diterima 12.585 173.998 231.160 324.337 456.490 Borrowings
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1. Modal Dasar 2.424.073 2.424.073 2.424.073 2.424.073 2.424.073 Authorized Capital
• Propinsi Jawa Barat 927.499 927.499 927.499 927.499 927.499 West Java Province
• Propinsi Banten 130.147 130.147 130.147 130.147 130.147 Banten Province
• Kota & Kab. se - Jawa Barat 572.349 572.349 572.349 572.349 572.349 West Java Local Governments
• Kota & Kab. se - Banten 188.060 188.060 188.060 188.060 188.060 Banten Local Governments
• IPO (Initial Public Offering) 606.018 606.018 606.018 606.018 606.018 Initial Public Offering (IPO)–Go Public
Premium on share Capital - Net of
• Agio Saham - 823.423 823.423 823.423 823.423
Share Issuance Cost
• Kepentingan non-pengendali 5.054 12.457 33.687 34.045 40.571 Non Controlling Interest
2. Saldo Laba 1.743.497 2.127.146 2.727.657 3.436.725 3.795.540 Retained Earnings
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1. Modal Inti 4.278.130 4.551.623 4.650.062 5.350.343 5.792.267 Core Capital
2. Modal Pelengkap (70.865) (15.858) (77.687) (9.926) 16.678 Supplementary Capital
3. Penyertaan ( - / - ) - - - - - Investments (- / -)
) $NWLYD7HUWLPEDQJ0HQXUXW5LVLNR$705 5LVN:HLJKWHG$VVHWV

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1. Lancar 36.845.094 45.029.998 57.299.810 61.759.048 68.473.499 Current
2. Dalam Perhatian Khusus 258.640 571.126 1.049.922 2.147.548 2.056.762 Special Mention
3. Kurang Lancar 35.211 67.221 163.356 197.197 253.434 Substandard
4. Diragukan 68.618 66.039 118.598 263.231 267.961 Doubtful
5. Macet 312.327 204.351 470.126 1.014.225 2.107.657 Loss
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1. Pendapatan Bunga 4.894.312 5.977.050 6.795.686 8.132.989 8.791.820 Interest Income
2. Beban Bunga (2.254.731) (2.915.841) (3.140.311) (3.350.845) (4.330.222) Interest Expense
3. Pendapatan Bunga Bersih 2.639.581 3.061.209 3.655.375 4.782.144 4.461.598 Net Interest Income
4. Pendapatan Operasional Lainnya 306.401 240.168 330.362 457.258 565.904 Other Operating Income
5. Beban Operasional Lainnya (1.755.444) (2.026.483) (2.566.496) (3.487.471) (3.611.668) Other Operating Expense
6. Pendapatan (Beban) Operasional
(1.190.538) 1.274.894 1.419.241 1.751.931 1.415.834 Other Operating Income (expense)
Lainnya
7. Pendapatan Non Operasional 42.316 60.171 112.185 27.497 37.984 Non Operating Income
8. Beban Non Operasional (13.226) (15.249) (18.927) (26.554) (15.329) Non Operating Expense
9. Laba Sebelum Pajak 1.219.628 1.319.816 1.512.499 1.752.874 1.438.489 Income Before Tax
10. Pajak (329.403) (357.121) (319.195) (376.487) (318.455) Tax
11. Laba Bersih 890.225 962.695 1.193.304 1.376.387 1.120.034 Net Income
12. Laba Sebelum Hak Minoritas 890.225 962.696 1.193.304 1.376.387 1.120.034 1SPmUCFGPSF.JOPSJUZ
13. Hak Minoritas atas Laba Rugi Anak .JOPSJUZGPS1SPmU-PTT4VCTJEJBSJFT
54 435 620 3.474 (3.940)
Perusahaan Yang Dikonsolidasikan Consolidated

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
7
No Uraian 2010 2011 2012 2013 2014 Description

14. Total Laba (Rugi) Komprehensif 890.225 962,695 1.193.204 1.376.387 1.120.035 5PUBM1SPmU -PTT
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15. Jumlah laba (rugi) yang dapat Total income (loss) attributable to:
diatribusikan kepada:
890.171 962,261 1.192.684 1.372.913 1.116.095
- pemilik entitas induk owners of the parent -
- kepentingan non pengendali 54 435 620 3.474 3.940 non-controlling interests -
Total 890.225 962.696 1.193.304 1.376.387 1.120.035 Total
16. Jumlah laba (rugi) komprehensif 5PUBMQSPmU MPTT
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yang dapat diatribusikan kepada: attributable to:
- pemilik entitas induk 890.171 962.261 1.192.684 1.372.913 1.116.095 owners parent entity -
- kepentingan non pengendali 54 435 620 3.474 3.940 non-controlling interests -
Total 890.225 962.696 1.193.304 1.376.987 1.120.035 Total
17. Laba (Rugi) Per Saham 105,54 99,24 123,00 141,59 115,11 1SPmU -PTT
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ROA 3,15 2,65 2,46 2,61 1,94% ROA
ROE 24,95 21,00 25,02 26,76 19,10% ROE
NIM 7,32 6,89 6,44 7,96 6,79% NIM
NPL Gross 1,86 1,21 2,07 2,83 4,15% NPL Gross
NPL Net 0,29 0,41 0,50 0,64 1,04% NPL Net
Operating Expense to Operating
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Disbursed Loans Net Interest Income Net Income
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Rp Million 48.902.340
Rp Million 3.655.375 Rp Million 1.376.387
38.332.712 4.461.598 1.193.304
3.061.209
962.695
28.764.701
1.120.034
2.639.581 890.225
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Introduction
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13
• Laporan Dewan Komisaris 14

• Laporan Direktur Utama 22

• Tanggung Jawab Pelaporan Tahunan 2014 36

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Perseroan
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LAPORAN DEWAN KOMISARIS

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Komisaris Utama
President Commissioner

Introduction
Management Report
$PNQBOZ1SPmMF
$PSQPSBUF%BUB
15
Para pemangku kepentingan yang terhormat, Dear Respected Shareholders,
Salam sejahtera kami sampaikan, semoga kebaikan selalu Best wishes, may virtuousness be with us in the performance
menyertai kita semua dalam menjalankan tugas sehari-hari. of our daily tasks. On this occasion, let us convey the report
Pada kesempatan ini, izinkan kami menyampaikan laporan related to the responsibilities and authorities granted to the
terkait dengan kewajiban dan wewenang yang diberikan Board of Commissioners as one of the organs of the Company,
kepada Dewan Komisaris sebagai salah satu Organ namely supervising the business activities performed by the
Perseroan, yaitu melakukan pengawasan atas kegiatan usaha Management.
yang dijalankan Manajemen.
Selama tahun 2014 ini, Dewan Komisaris menyadari bahwa The Board of Commissioners realize, during 2014 the business
perjalanan kegiatan bisnis Perseroan diwarnai beragam of the Company was faced with a variety of uneasy challenges,
tantangan yang tidak mudah, tidak hanya dari sisi eksternal both external and internal.
tetapi juga internal Perseroan.
Dari sisi eksternal, kinerja pertumbuhan perekonomian dalam From the external side, the performance of domestic economic
negeri sedang mengalami perlambatan, yang salah satu growth experienced slowdown due to the pressure of the
penyebab utamanya adalah tekanan perekonomian global. global economy. Likewise, economic indicators affected the
Begitu juga dengan indikator-indikator ekonomi yang dapat performance of the banking industry in general and pressured
mempengaruhi kinerja industri perbankan pada umumnya, the Bank’s performance in particular.
termasuk Perseroan pada khususnya, cenderung memberikan
tekanan bagi kinerja Perseroan.
Beberapa di antara indikator dimaksud, yaitu suku bunga Some of the indicators were the BI interest rate which raised
acuan BI rate yang naik 25 basis poin, dari 7,50% menjadi CBTJT QPJOUT GSPN UP *O BEEJUJPO JOnBUJPO
,FNVEJBO JOnBTJZBOHNBTJIUJOHHJ ZBJUV year remained high at 8.36% (year on year) and household
on year) dan konsumsi rumah tangga yang ikut mengalami consumption contracted from 5.28% in 2013 to 5.14% in 2014.
kontraksi, dari 5,28% pada tahun 2013 menjadi 5,14% di
tahun 2014.
Dari sisi internal, kelengkapan organisasi pengurus Perseroan, Internally, inadequate number of directors during 2014 also
khususnya jumlah Direksi yang tidak lengkap sepanjang became a challenge for the Bank. The Management ran the
tahun 2014 juga menjadi tantangan yang harus dihadapi oleh Bank in this unfavorable situation.
Perseroan. Dalam situasi yang kurang kondusif seperti inilah
Manajemen mengelola Perseroan.

Pendahuluan
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1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
Situasi eksternal merupakan kondisi yang tidak dapat External situation is the condition beyond the Company’s
dipengaruhi oleh Perseroan, misalnya terkait dengan JOnVFODF TVDI BT UIPTF SFMBUFE UP UIF JOEJDBUPST NFOUJPOFE
indikator-indikator yang disebutkan di atas. Manajemen harus above. The management must accept the situation, while
menerima situasi tersebut, sambil menyesuaikan strategi adjusting the Company’s management strategy in order to
pengelolaan Perseroan agar tetap bisa mencapai target. achieve the targets.
Dengan bebagai strategi dan inovasi yang telah direalisasikan With various strategies and innovations that have been
oleh Manajemen, pada tahun 2014 Perseroan berhasil realized by the management, in 2014 the Company managed
meningkatkan perolehan Dana Pihak Ketika sebesar 13,32% to increase its acquisition of Third Party Funds by 13.32% when
dibandingkan tahun sebelumnya, sehingga meningkatkan compared to the previous year, thereby increasing the market
market share terhadap Bank Umum sebesar 0,01%. Hal ini share of the Commercial Bank to 0.01%. This shows that in the
menunjukan bahwa di tengah situasi yang penuh dengan midst of a challenging situation, the Management was still to
tantangan, manajemen masih dapat mempersembahkan present a good performance, in line with the vision that has
kinerja yang baik, sejalan dengan visi yang telah ditetapkan. been set. Thus, the Board of Commissioners expresses our
Karena itulah, Dewan Komisaris harus memberikan apresiasi appreciation to the Board of Directors and all employees for
kepada Direksi dan seluruh karyawan atas pencapaian this achievement.
tersebut.
Selain itu, Net Interest Margin Perseroan posisi berada di level In addition, the Company’s Net Interest Margin grew by 6.79%,
6,79%, berada di atas target yang sebesar 6,44%. Sehingga, namely above the target of 6.44%, thus able to contribute to
mampu memberikan kontribusi pendapatan Perseroan. the Company’s revenue. Moreover, the ratio of costs to income
Kemudian, rasio antara biaya dengan pendapatan masih di remained within the forecast corridor, namely 85.94%.
dalam koridor perkiraan, yaitu 85,94%.
Kendati demikian, sejumlah target yang sudah ditetapkan /FWFSUIFMFTT B OVNCFS PG QSFEFmOFE UBSHFUT XFSF VOBCMF
belum bisa dipenuhi secara maksimal. Di antara target to be met to the fullest. Among these targets is the ratio of
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aset (Return on Asset/ROA) yang hanya 1,94%, sementara reached 1.94%, meanwhile the target was 1.87%.
targetnya 1,87%.
Pertumbuhan kredit yang diharapkan mencapai Rp52,405 Credit growth which was expected to reach Rp52.405 trillion
triliun pada 2014 dapat dicapai 103,8%. Kredit bermasalah in 2014 credit grew by 11.7%. The Company’s non-performing
(Non Performing Loan/NPL) yang dikelola Perseroan juga loans (NPL) also exceeded, namely 3.08% targeted and
melampaui target yang sudah ditetapkan. Dari rencana 4.15% realized.
3,08%, dengan realisasinya sebesar 4,15%.
Dewan Komisaris juga menyampaikan apresiasi bahwa pada 5IF #PBSE BMTP FYQSFTTFE BQQSFDJBUJPO UIBU JO mTDBM
tahun buku 2014, Perseroan masih berhasil membukukan ZFBS UIF$PNQBOZTUJMMNBOBHFEUPQPTUBOPQFSBUJOHQSPmUPG
laba operasional sebesar Rp1.120 triliun. Namun harus diakui, Rp1,120 trillion. But admittedly, the Company’s achievement
pencapaian tersebut mengalami penurunan dibandingkan decreased compared to the previous year where operating
tahun sebelumnya yang mencapai Rp1.376 triliun. income reached Rp 1,376 trillion.
Pandangan atas Prospek Usaha yang disusun Direksi 7KH YLHZV RQ %XVLQHVV 3URVSHFWV FRPSLOHG E\ WKH
Dewan Komisaris memandang bahwa prospek usaha Board of Directors
tahun 2015 yang telah disusun oleh Direksi, di antaranya The Board of Commissioners believes that the business
terkait dengan pertumbuhan Dana Pihak Ketiga, aset, serta prospects in 2015 which has been prepared by the Board of
penyaluran kredit sangat realistis. Keyakinan ini, di antaranya Directors, which are related to the growth of third party funds,

Introduction
Management Report
$PNQBOZ1SPmMF
$PSQPSBUF%BUB
17
5(3257)5207+(%2$5'2)&200,66,21(56
mengacu pada tiga hal, yaitu kinerja yang sudah berjalan assets, and credit are very realistic. This belief, of which refers
tahun sebelumnya, kondisi perekonomian nasional yang to the three cases, the performance in the previous year, the
diperkirakan lebih baik dibandingkan tahun 2014, serta national economy which is estimated to be better than in 2014,
strategi yang telah ditetapkan oleh Direksi. as well as the strategies set by the Board of Directors.
Dari sisi kinerja tahun sebelumnya yang penuh dengan Based on the previous year’s performance which was full of
tantangan, Dewan Komisaris memandang bahwa Direksi challenges, the Board of Commissioners considers that the
mampu mempersembahkan kinerja yang baik. Bahkan Board of Directors will be able to present good performance.
untuk sejumlah indikator, misalnya Dana Pihak Ketiga, tetap For a number of indicators, such as the Third Party Funds
mengalami peningkatan. Begitu juga dengan market share remains increasing, as well as the market share of the
terhadap Bank Umum yang ikut tumbuh. commercial bank which also grew.
Untuk kondisi perekonomian nasional, pada tahun 2015 ini For the condiition of the national economy, in 2015 the
pemerintah telah menetapkan target yang jauh lebih baik Government has set targets that are much better than the
dibandingkan tahun realisasi tahun 2014. Di antaranya, tingkat realizations in 2014. Among others, growth rate is expected to
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sebesar 5,0%. Kondisi eksternal yang diperkirakan lebih expected to be better than the previous year will support the
baik dibandingkan tahun sebelumnya tersebut akan sangat achievement of the business targets that have been prepared
mendukung pencapaian target usaha yang telah disusun oleh by the Board of Directors.
Direksi.
Begitu juga dengan strategi yang telah disiapkan oleh Similar are the strategies prepared by the Board of Directors,
Direksi, di antaranya cross selling produk serta fokus pada including products cross-selling and the focus to improve
perbaikan kredit bermasalah. Strategi tersebut akan sangat non-performing loans. The strategies will strongly support
mendukung pencapaian prospek usaha, karena melalui the achievement of the business prospects, because through
strategi ini, peningkatan yang dapat dicapai bukan hanya dari these strategies, improvements can be achieved not only in
sisi kuantitas, tetapi juga kualitas. terms of quantity, but also quality.
Pelaksanaan GCG GCG Implementation

Di antara solusi yang ditetapkan Perseroan untuk mengatasi One of the Company’s solutions to address performance
permasalahan kinerja tahun 2014, adalah melalui jalur issues in 2014 is through the application of the principles
penerapan prinsip GCG. Melalui Rapat Umum Pemegang of good corporate governance. Through the Extraordinary
Saham Luar Biasa (RUPSLB) 19 Desember 2014, Perseroan General Meeting of Shareholders (EGM) on December 19,
telah membentuk Direktorat Mikro. 2014, the Company established the Micro Directorate.
Pembentukan Direktorat tersebut merupakan bukti keseriusan The establishment of this Directorate becomes proof of the
pemegang saham, di antaranya untuk mengatasi kredit shareholders’ seriousness to solve non-performing loans and
bermasalah dan peningkatan performa kredit mikro. Kredit to improve micro-credit performance. The micro-credit sector
di sektor mikro termasuk yang memberikan kontribusi besar contributed greatly to the increase of NPL, thus the presence
terhadap peningkatan NPL, sehingga kehadiran Direktorat of the Micro Directorate becomes very essential.
Mikro menjadi sangat penting.
Untuk itulah, solusi melalui pengembangan GCG ini menjadi For this reason, the development of good corporate
salah satu jalan keluar utama dan sangat penting dalam governance becomes one of the main necessary solutions
perjalanan bisnis Perseroan. Solusi tersebut diharapkan for the business. This solution is expected to sustain the
mampu menopang kinerja Perseroan menjadi lebih baik di Company’s performance in order to be better in the future.
masa yang akan datang.

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
Kinerja Komite di Bawah Dewan Komisaris The Performance of Committees Under the Board of
Commissioners
Sebagai bagian dari pelaksanaan tata kelola perusahaan As part of the implementation of good corporate governance,
yang baik, kami senantiasa melakukan penilaian kinerja di we always conduct performance appraisals towards the
jajaran perangkat Dewan Komisaris sebagai perbaikan dan supporting organs of the Board of Commissioners as an effort
upaya peningkatan kinerjanya. Penilaian tersebut dilakukan to improve their performance. The performance appraisals
baik terhadap rekomendasi yang diajukan maupun terhadap are performed based on the recommendations conveyed as
pelaksanaan tugas yang diberikan oleh Dewan Komisaris. well as based on the implementation of tasks assigned by the
Board of Commissioners.
Berdasarkan hasil evaluasi dimaksud, Dewan Komisaris Based on the results of such evaluations, the Board of
menilai seluruh perangkat yang meliputi Komite Audit (KA), Commissioners concludes that the Audit Committee (KA),
Komite Remunerasi dan Nominasi (KRN) serta Komite Remuneration and Nomination Committee (KRN) and the
Pemantau Risiko (KPR) telah menjalankan tugas dengan Risk Management Committee (KPR) have satisfactory
baik. Masing-masing Komite telah memberikan masukan performed their tasks. Each committee has provided inputs
dan rekomendasi yang berkualitas, yang dilengkapi dengan and recommendations with quality, equipped with relevant
penjelasan latar belakang permasalahan dan argumentasi background and argumentation of the issues discussed.
yang relevan untuk setiap permasalahan yang dibahas. Hal It is believed to have assisted the Board of Directors in
tersebut diyakini akan membantu Direksi dalam melaksanakan implementing or considering the recommendations made by
atau mempertimbangkan rekomendasi yang disampaikan the Board of Commissioners.
Dewan Komisaris.
Untuk menjaga kesinambungan kinerja yang baik, Dewan To maintain the continuity of satisfactory performance, the
Komisaris mengamanatkan kepada seluruh anggota komite Board of Commissioners mandates all members of the
di bawah Dewan Komisaris agar senantiasa meningkatkan committees under the Board of Commissioners to continue to
kompetensi serta konsistensi dalam pelaksanaan tugas improve competency and consistency in the implementation
dengan dedikasi dan integritas yang tinggi. Tantangan of tasks with dedication and integrity. The Company’s future
Perseroan ke depan akan semakin besar, terutama mengingat challenges will be even greater considering the increasing
organisasi bisnisnya yang semakin besar. growth of the business organization.
Perubahan Komposisi Dewan Komisaris Changes in the composition of the Board of

Commissioners
Komposisi Dewan Komisaris mengalami perubahan pada 19 On December 19, the composition of the Board of
Desember, melalui RUPSLB. Hingga periode 31 Desember Commissioners was amended through the EGM. Until the
2014, komposisi Dewan Komisaris menjadi: period of December 31, 2014, the composition became:
,PNJTBSJT6UBNB 5BVmFRVSBDINBO3VLJ 1SFTJEFOU$PNNJTTJPOFS 5BVmFRVSBDINBO3VLJ
Komisaris : Muhadi Commissioner : Muhadi
Komisaris : Wawan Ridwan Commissioner : Wawan Ridwan
Komisaris Independen : Achmad Baraba Independent Commissioner : Achmad Baraba
Komisaris Independen : Klemi Subiyantoro Independent Commissioner : Klemi Subiyantoro
Komisaris Independen : Rudhyanto Mooduto Independent Commissioner : Rudhyanto Mooduto
Komisaris Independen : Yayat Sutaryat Independent Commissioner : Sdr. Yayat Sutaryat

Introduction
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Apresiasi Appreciation
Pada kesempatan ini kami juga menyampaikan apresiasi On this occasion we also express appreciation and gratitude
dan penghargaan yang sebesar-besarnya kepada para to the internal and external stakeholders of the Company
pemangku kepentingan internal dan eksternal Perseroan for their cooperation and support resulting the Company’s
atas kerja sama dan dukungannya, sehingga proses bisnis business processes to run smoothly. In particular to the
di Perseroan dapat berjalan dengan baik dan lancar. Khusus Board of Directors and the ranks bellow, we are thankful for
kepada Direksi serta jajaran di bawahnya, kami mengucapkan the teamwork and hard work in strengthening the Company’s
terima kasih atas kerja sama tim yang telah dibangun dan foundation.
kerja kerasnya dalam memperkokoh fondasi Perseroan.
7DXÀHTXUDFKPDQ5XNL
Komisaris Utama

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DEWAN KOMISARIS
7DXÀHTXUDFKPDQ5XNL Muhadi Wawan Ridwan

Komisaris Utama Komisaris Komisaris
President Commissioner Commissioner Commissioner

Introduction
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Achmad Baraba Klemi Subiyantoro Rudhyanto Mooduto Yayat Sutaryat

Komisaris Independen Komisaris Independen Komisaris Independen Komisaris Independen
Independent Commissioner Independent Commissioner Independent Commissioner Independent Commissioner

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LAPORAN DIREKTUR UTAMA

Ahmad Irfan
Direktur Utama
President Director

Introduction
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Pemegang saham yang terhormat, Respected Shareholders,
Salam sejahtera kami sampaikan, semoga kita selalu berada Best wishes we convey, May we always be in the protection of
dalam lindungan Tuhan Yang Maha Esa dan diberikan God Almighty and be given ease in our daily activities. Amen
kelancaran dalam menjalankan aktivitas sehari-hari. Amin
Pada kesempatan kali ini, izinkan kami menyampaikan On this occasion, let us convey the report on the Company’s
laporan perjalanan kinerja Perseroan untuk tahun buku QFSGPSNBODF GPS UIF mOBODJBM ZFBS 8F EFMJWFS UIJT
2014. Laporan ini kami sampaikan secara transparan sesuai report in a transparent manner in accordance with applicable
dengan ketentuan yang berlaku, sebagai bentuk kepatuhan regulations, as a form of compliance and responsibility to
dan tanggung jawab kepada pemegang saham dan para shareholders and other stakeholders.
pemangku kepentingan lainnya.
Tantangan 2014 Challenges in 2014

Perjalanan dunia usaha sepanjang tahun 2014 banyak Throughout the year 2014, the business was faced by many
diwarnai oleh tantangan, terutama dari faktor eksternal. challenges, mainly from external factors. This condition
Kondisi ini tidak hanya dialami oleh Perseroan, tetapi juga was not only experienced by the Company, but also the
dunia usaha pada umumnya. Bahkan sejak memasuki tahun business world in general. Even since the beginning of 2014,
2014, ada pesimisme di lingkungan dunia usaha atas kondisi the business was already pessimist towards the upcoming
ekonomi yang akan berjalan. economic condition.
Sentimen tersebut diindikasikan melalui Indeks Tendensi The sentiment was indicated by the Business Tendency
Bisnis yang dikeluarkan oleh Badan Pusat Statistik pada kuartal Index released by the Central Bureau of Statistics (BPS) in
1-2014 yang lebih rendah dibandingkan kuartal sebelumnya, UIFmSTURVBSUFSPGXIJDIXBTMPXFSUIBOUIFQSFWJPVT
yaitu dari 104,72 menjadi 101,95. Hal ini menunjukan bahwa quarter, namely from 104.72 to 101.95. This indicated that the
ekspektasi dunia usaha terhadap situasi ekonomi awal 2014 expectation of the business against the economic situation in
cenderung pesimistis. early 2014 was likely pessimistic.
Situasi yang berkembang di dunia usaha, di antaranya sebagai The situation developing in the business world was an
antisipasi terhadap kondisi ekonomi secara makro sepanjang anticipation of macro-economic condition throughout 2014,
tahun 2014, yang terbukti masih terjadi perlambatan. Salah which proved remained slowing down. One of the main causes
satu penyebab utamanya adalah perekonomian global yang was the unstable global economy.
masih belum stabil.
Hal itu, misalnya bisa terlihat pada perekonomian dua This, for example, can be seen on the economy of the world’s
negara besar dunia, yaitu Amerika Serikat dan China yang two large countries, namely the United States of America and
memiliki tren berkebalikan. Ketika data ekonomi Amerika China with opposite trends. When the economic data of the
menunjukkan kecenderungan positif, kondisi di China justru USA showed positive trend, the condition of China was the
sebaliknya. opposite.
Indonesia yang menganut sistem perekonomian terbuka, Indonesia, which adopts an open economy, was also affected
turut terkena imbas dari perlambatan pada perekonomian by the slowdown of the global economy. During 2014, the
global tersebut. Selama tahun 2014, secara kumulatif nilai cumulative value of the Indonesian export declined by 3.43%
ekspor Indonesia mengalami penurunan sebesar 3,43% compared to the previous year. Particularly non-oil exports,
dibandingkan tahun sebelumnya. Khusus ekspor non-migas, the decline reached 2.64%.
dimana penurunannya mencapai 2,64%.

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Pertumbuhan ekonomi (PDB) juga turut mengalami tekanan. Economic growth (GDP) was also under pressure. BPS noted
BPS mencatat bahwa pertumbuhannya hanya 5,02%, lebih that growth only reached 5.02%, lower than the 5.78% in 2013.
rendah dibandingkan tahun 2013 yang 5,78%.
Laju pertumbuhan konsumsi rumah tangga sebagai salah In 2014, the growth of household consumption as one of the
satu faktor pembentuk PDB, pada tahun 2014 juga mengalami determining factors of GDP also contracted, becoming only
kontraksi, menjadi hanya 5,14%. Sedangkan pada tahun 2013 5.14% whereas in 2013 amounted to 5.28%.
mencapai sebesar 5,28%.
Situasi Sektor Keuangan )LQDQFLDO6HFWRU6LWXDWLRQ

Membaiknya perekonomian di Amerika Serikat, yang The improving economy in the United States, which
mengisyaratkan adanya evaluasi terhadap kebijakan stimulus suggests the presence of evaluation to the monetary policy
moneter, memberikan dampak negatif terhadap pasar TUJNVMVT QSPWJEFE OFHBUJWF JNQBDU PO UIF mOBODJBM NBSLFUT
keuangan di Indonesia. Investor asing banyak yang menarik in Indonesia. Many foreign investors withdrew funds from
dana dari pasar keuangan Indonesia untuk mencari investasi UIF *OEPOFTJBO mOBODJBM NBSLFUT UP TFFL NPSF QSPmUBCMF
lebih menguntungkan dalam denominasi dolar. investments denominated in dollar.
Aksi para investor ini, ditambah dengan neraca perdagangan The action took by these investors, combined with Indonesia’s
*OEPOFTJBZBOHNBTJINFOHBMBNJEFmTJU NFNCVBUOJMBJUVLBS USBEF CBMBODF XIJDI SFNBJOFE JO EFmDJU QSFTTVSFE UIF
rupiah terhadap dolar AS mengalami tekanan. Sepanjang value of the rupiah against the US dollar. Throughout 2014,
tahun 2014, terutama di penghujung tahun, sempat menyentuh especially at the end of the year, value of the rupiah against
posisi terendahnya, yaitu di kisaran Rp12.900 per dolar. the US dollar touched its lowest position, namely in the range
of Rp12,900 per dollar.
Menjelang berakhirnya tahun 2014 juga diwarnai dengan Towards the end of 2014 BI rate also rose by 25 basis points,
kenaikan suku bunga acuan BI rate sebesar 25 basis poin, from 7.50% to 7.75%. This increase was a response taken by
dari 7,50% menjadi 7,75%. Kenaikan suku bunga ini #BOL*OEPOFTJBUPDVSCJOnBUJPO BNPOHPUIFSTEVFUPUIFSJTF
merupakan respon yang diambil oleh Bank Indonesia untuk of fuel prices.
NFOBIBO MBKV JOnBTJ TBMBI TBUVOZB BLJCBU LFOBJLBO IBSHB
bahan bakar minyak.
8BMBVQVO EFNJLJBO TFQBOKBOH UBIVO JOnBTJ NBTJI )PXFWFS UISPVHIPVU JOnBUJPO SFNBJOFE IJHI OBNFMZ
tetap tinggi, yaitu 8,36% (year on year). Kondisi ini memiliki 8.36% (year on year). This condition provided a variety of
beragam implikasi bagi industri perbankan. implications for the banking industry.
Kenaikan suku bunga berpotensi menurunkan net interest The rise in interest rates potentially reduced net interest
margin (NIM), sehingga dapat menekan laba perbankan. Data NBSHJO /*.
TP BT UP TVQQSFTT CBOLJOH QSPmUT 'SPN UIF
Bank Indonesia menyebutkan, NIM bank umum untuk periode data of Bank Indonesia, the NIM of commercial banks for the
November 2014 telah mengalami penurunan sebesar 13,11% period of November 2014 decreased by 13.11% compared to
dibandingkan periode yang sama tahun sebelumnya. the same period in the previous year.
,FNVEJBO NBTJI UJOHHJOZB JOnBTJ NFNCVBU EBZB CFMJ 'VSUIFSNPSF UIF IJHI SBUF PG JOnBUJPO SFEVDFT UIF
masyarakat ikut menurun. Konsumsi rumah tangga yang purchasing power of the people. Household consumption
mengalami kontraksi berpotensi menekan kredit konsumsi, which experiences contraction has the potential to
yang lebih umumnya cepat memberikan keuntungan bagi EFQSFTTDPOTVNFSDSFEJU XIJDIJOHFOFSBMHFOFSBUFQSPmUGPS
perbankan. banking.

Introduction
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Tantangan Internal Internal Challenges

Di tengah situasi eksternal yang penuh dengan In the midst of an uncertain external coondition, the
ketidakpastian tersebut, secara internal Perseroan Company internally faces substantial challenges.
menghadapi tantangan yang tidak ringan. Secara Organizational wise, bank bjb operates with an incomplete
organisasi, bank bjb beroperasi deng struktur manajemen management structure, consequently, organs of the
yang tidak lengkap, sehingga organ manajemen berjalan management does not operate as appropriate as planned.
kurang sesuai dengan yang sudah direncanakan.
Sepanjang tahun 2014, Perseroan melaksanakan 3 kali To solve the issue of management composition, throughout
RUPS untuk memenuhi komposisi manajemen. Komposisi 2014, the Company carried out 3 GMS. The composition of
manajemen Perseroan terpenuhi berdasarkan hasil keputusan UIF $PNQBOZT NBOBHFNFOU XBT mOBMMZ NFU CBTFE PO UIF
RUPSLB Perseroan pada tanggal 19 Desember 2014. decision of the EGM in December 19, 2014.
Sesuai dengan ketentuan yang berlaku dalam industri In accordance with the applicable regulations in the
perbankan, faktor eksternal seperti keputusan otoritas banking industry, external factors such as the decision of the
dalam memastikan pihak yang patut menempati posisi BVUIPSJUJFTJOFOTVSJOHUIBURVBMJmFEQFPQMFPDDVQZUIFSJHIU
manajemen, juga menjadi concern. Internal Perseroan demi management positions, also became an internal concern of
peningkatan kinerja Perseroan. the Company in order to improve the Company’s performance.
Kebijakan Strategis Strategic Policies

Untuk tahun 2014, Perseroan telah memiliki kebijakan For 2014, the Company already possesses appropriate
strategis sebagai panduan bagi seluruh organ di lingkungan strategic policies as a guide for the entire organs of the
Perseroan. Strategi tersebut tertuang dalam Kebijakan Umum Company. The strategies set out in Public Policy 2014 Board
Direksi Tahun 2014. of Directors.
Perseroan telah berkomitmen bahwa pengembangan The Company’s commitment is the expansion of the Company
Perseroan diarahkan untuk terus memasuki “next level”, will be directed to continue to enter the “next level”, thus
TFIJOHHBNFOKBEJCBOLOBTJPOBMEFOHBOQFSUVNCVIBOQSPmU CFDPNJOH B OBUJPOBM CBOL XJUI IJHI BOE TVTUBJOBCMF QSPmU
yang tinggi dan berkesinambungan (“A Strong Sustainable HSPXUI i"4USPOH4VTUBJOBCMFBOE1SPmUBCMF#BOLw
#ZEPJOH
BOE 1SPmUBCMF #BOL”). Dengan begitu, Perseroan menjadi so, the Company becomes greater in terms of assets and
lebih besar dari sisi aset dan laba, lebih kuat dari permodalan, earnings, stronger in terms of capital, and better in terms of
serta lebih baik dari sisi pelayanan. service.
Kebijakan strategis yang telah ditetapkan untuk mendukung The Strategic policies established to support the Company’s
komitmen strategis Perseroan di tahun 2014 adalah: strategic commitment in 2014 are:
1. Peningkatan Market Share Dana Pihak Ketiga 1. Increase the Market Share of Third Party Funds
Upaya yang dilakukan untuk mencapai rencana tersebut, Efforts performed to achieve the plan included optimizing
di antaranya dengan melakukan optimalisasi pertumbuhan the growth of third party funds through product promotion
dana pihak ketiga melalui promosi dan pemasaran produk and marketing as well as product innovation.
dana serta inovasi produk. 2. Develop and Improve the quality of service
2. Pengembangan dan Peningkatan kualitas layanan This was among others conducted through improving
Upaya yang dilakukan melalui peningkatan electronic electronic banking to improve corporate image and
banking untuk meningkatkan corporate fee based fee-based income, as well as services to customers in
income, serta pelayanan kepada nasabah dalam transaksi e-banking transactions.
e-banking.

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3. Meningkatkan penyaluran kredit 3. Increase lending

Beberapa upaya yang dilakukan, di antaranya melakukan 5IJTXBTBNPOHPUIFSTQFSGPSNFECZPQUJNJ[JOHmOBODJOH
optimalisasi pembiayaan di sektor produktif maupun to the productive and consumptive sectors by optimizing
konsumtif dengan mengoptimalkan penggunaan dana the use of funds by taking into account the precautionary
dengan tetap memperhatikan prinsip kehati-hatian. principle.
4. Optimalisasi fee based income untuk mendukung 4. Optimizing of fee-based income to support the
pencapaian target laba bank BDIJFWFNFOUPGUIFCBOLTQSPmUUBSHFU
Upaya yang dilakukan, di antaranya mengembangkan This was among others performed by developing banking
jasa transaksi perbankan, seperti melalui anjungan tunai transaction services, such as through automated teller
mandiri (ATM) dan layanan bjb digi. machines (ATM) and bjb digi services.
Realisasi Target 2014 2014 Target Realization

Kondisi eksternal yang telah mempengaruhi kinerja External conditions affecting the performance of the national
perekonomian nasional, ikut berimbas pada industri economy also provided impact on the banking industry,
perbankan, termasuk Perseroan. Kami berpandangan, including the Company. According to us, the external
kondisi eksternal tersebut merupakan variabel yang tidak bisa condition is a variable that cannot be controlled by the
dikontrol oleh Perseroan, walaupun pengaruhnya terhadap Company, although its impact on the business performance
LJOFSKBCJTOJTTBOHBUTJHOJmLBO JTWFSZTJHOJmDBOU
Perseroan maupun industri perbankan pada umumnya The Company and the banking industry in general have to
harus menerima situasi tersebut sebagai tantangan yang accept the situation as a challenge that must be faced. The
mesti dihadapi. Situasi itulah yang dihadapi oleh Perseroan Company had to face these challenges during the year 2014.
sepanjang tahun 2014. Ditambah lagi dengan struktur Moreover, the incomplete organizational structure until the
organisasi yang tidak sempurna hingga akhir tahun, membuat FOEPGUIFZFBSNBEFBOVNCFSPGQSFEFmOFEUBSHFUTOPUBCMF
sejumlah target yang sudah ditetapkan tidak tercapai. to be achieved.
Target dan Pencapaian Target and Realization

Target Desember 2014 Realisasi Desember 2014
Pos Keuangan )LQDQFH3RVW
2014 December Target 2014 December Realisation
Aset 78.500 75.836 Assets
Dana Pihak Ketiga 56.961 53.487 Third Party Funds
Penyaluran Kredit 52.405 54.017 Loan Disbursement
Laba Bersih 1.112 1.120 Net Income
NIM 6,44% 6,79% NIM
ROA 1,87% 1,94% ROA (net)
ROE (net) 19,44% 19,10% ROE (net)
NPL (gross) 3,08% 4,15% NPL (gross)
Cost of Fund 5,1% 5,87% Cost of Fund
CASA 45,9% 64,3% CASA
CAR 15,37% 16,39% CAR
Sebagai dasar acuan kinerja, Perseroan telah menetapkan As the basis of performance, the Company has set a number
sejumlah target yang ingin dicapai pada tahun 2014. Target of targets to be achieved by 2014. The targets were set based
tersebut ditetapkan berdasarkan sejumlah asumsi makro. on a number of macro assumptions, among others, economic
Di antaranya, pertumbuhan ekonomi yang didasarkan pada growth based on the government’s projection, namely 5.8 to
proyeksi pemerintah, yaitu 5,8-6,1%. 6.1%.

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Begitu pun dengan nilai tukar rupiah, untuk tahun 2014. Bank Similar with the exchange rate, for 2014, Bank Indonesia
Indonesia memperkirakan berada di kisaran Rp11.300-11.580 estimated the exchange rate to be in the range of Rp11.300-
per dolar AS. 11.580 per US dollar.
4FEBOHLBOJOnBTJEJUBSHFULBO %FOHBOBTVNTJJOJ .FBOXIJMF JOnBUJPO XBT UBSHFU UP CF 8JUI UIJT
kinerja industri perbankan diperkirakan masih akan tumbuh, assumption, the performance of the banking industry was
walaupun gejolak ekonomi pada tahun 2014 sebenarnya sulit estimated to grow, despite the economic turmoil in 2014 was
diprediksi. BDUVBMMZEJGmDVMUUPQSFEJDU
%FOHBO JOnBTJ ZBOH SFMBUJG SFOEBI UFSTFCVU #BOL *OEPOFTJB 8JUIUIFSFMBUJWFMZMPXJOnBUJPO #BOL*OEPOFTJBXBTFYQFDUFE
diharapkan dapat menjaga suku bunga acuan SBI pada to keep the SBI benchmark interest rate in the range of 7.00%
kisaran 7,00%-7,25%. Suku bunga acuan ini akan sangat -7.25%. The benchmark interest rate will greatly affect the
berpengaruh terhadap bank dalam menetapkan suku bunga banks in setting interest rates on loans and Third Party Funds.
kredit maupun Dana Pihak Ketiga.
Dengan asumsi-asumsi tersebut, Perseroan menetapkan With these assumptions, the Company set a number of
sejumlah target kinerja, yang di antaranya: performance targets, which include:
1. Meningkatkan Net Interest Margin (NIM) sebesar 6-6,5%. 1. Increase Net Interest Margin (NIM) of 6-6.5%.
2. Pertumbuhan Dana Pihak Ketiga 14-18%. 2. Third Party Fund Growth of 14-18%.
3. Penyaluran kredit naik 14-16%, dengan pangsa pasar 3. Increase Lending to 14-16%, with a market share of 1.33%.
1,33%. Penentuan komposisi kredit didasarkan pada Determination of the composition of loan is based on Bank
Peraturan Bank Indonesia (PBI) No.14/26/2012, bahwa Indonesia Regulation (PBI) No. 14/26/2012, that for 2014
untuk tahun 2014 komposisi kredit produktif dan konsumtif the composition of productive and consumptive credit is
adalah 30% dan 70%. Target kredit bermasalah (Non- 30% and 70% .Target of non-performing loans (NPL) of 2.5
Performing Loan/NPL) sebesar 2,5-3,1%. -3.1%.
4. Return on Asset (ROA) atau rasio laba sebelum pajak 3FUVSOPO"TTFUT 30"
PSUIFSBUJPPGQSPmUCFGPSFUBYUP
terhadap total aset sebesar 1,5%-1,9%. total assets of 1.5%-1.9%.
Realisasi Realization
Seperti dipaparkan di atas, besaran asumsi-asumsi makro As described above, the amount of macro assumptions
yang telah ditetapkan ternyata meleset dari perkiraan. established were not according to the estimation. Economic
1FSUVNCVIBO FLPOPNJ KBVI MFCJI SFOEBI JOnBTJ NFMBNCVOH HSPXUI XBT NVDI MPXFS JOnBUJPO TPBSFE TP EJE UIF #*
tinggi, begitu juga dengan suku bunga acuan BI rate. benchmark interest rate.
Tekanan faktor eksternal yang di luar kontrol Perseroan ini The pressure from external factors beyond the Company’s
membuat Perseroan mengalami kesulitan dalam meraih DPOUSPMDBVTFEUIF$PNQBOZUPIBWFEJGmDVMUJFTJOSFBDIJOHUIF
target yang sudah ditetapkan. Karena faktor-faktor eksternal targets set. Since the external factors could not be controlled,
tersebut tidak dapat dikontrol Perseroan, maka hal tersebut it provided effect to the Company’s performance.
berdampak yang kurang baik terhadap kinerja Perseroan.
Untuk laba bersih misalnya, sepanjang tahun 2014 mengalami Net income for example, during the year 2014 contracted by
kontraksi sebesar 18,62% (yoy). Jika pada 2013 mencapai 18.62% (yoy). If in 2013 net income reached Rp1.376 trillion in
Rp1,376 triliun, pada 2014 mencapai Rp1,120 triliun. 2014 it only reached Rp1.120 trillion.

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Kondisi kredit bermasalah (Non-Performing Loan/NPL) The Company’s non-performing loans also increased due to
Perseroan juga meningkat, yang salah satunya disebabkan the poor condition of the business. The condition tended to
oleh kondisi dunia usaha yang kurang bergairah. Bahkan weaken due to the pressure of external circumstances, such
cenderung melemah akibat tekanan situasi eksternal, seperti as the macroeconomic indicators presented above.
indikator makroekonomi yang telah disampaikan di atas.
Sepanjang tahun 2014, NPL yang dikelola Perseroan Throughout 2014, the Company’s NPL reached 4.15%,
mencapai 4,15%, bertambah 1,32% dibandingkan tahun increased by 1.32% compared to the previous year of 2.83%.
sebelumnya sebesar 2,83%. Peningkatan NPL disebabkan The increase of NPL was due to the decline in asset quality in
oleh penurunan kualitas aset pada kredit mikro, komersial micro-credit, commercial and mortgage. However, the quality
dan KPR. Namun demikian kualitas aset kredit konsumer of asset of the company’s consumer credit was maintained
Perseroan tetap terjaga di sepanjang tahun 2014. throughout 2014.
Untuk penyaluran kredit, pertumbuhan yang mampu The Company’s credit growth grew by 10.46%, lower than the
dicapai Perseroan adalah sebesar 10,46%, lebih rendah growth in 2013 which could penetrate 28.1%.
dibandingkan dengan pertumbuhan pada tahun 2013 yang
dapat menembus 28,1%.
Sementara rasio laba sebelum pajak terhadap total aset 8IJMF UIF SBUJP PG QSPmU CFGPSF UBY UP UPUBM BTTFUT 30" XBT
(ROA), yang berhasil dibukukan oleh Perseroan mencapai successfully recorded by the Company at 1.94%.
sebesar 1,94%.
Walaupun demikian, sejumlah akun indikator kinerja However, a number of accounts as performance indicators
Perseroan berhasil dicapai sesuai dengan target yang were able to be achieved in accordance with the targets
telah ditetapkan. Hal ini bisa diperoleh di antaranya karena set, among others because of the solid performance of the
kinerja pemangku kepentingan internal Perseroan yang solid, Company’s internal stakeholders whom always try to view
dimana mereka selalu berupaya untuk memandang tantangan challenges as opportunities to constantly improve innovation.
sebagai kesempatan untuk meningkatkan inovasi.
Beberapa akun yang kinerjanya sesuai dengan target, Among the accounts with performance according to the target
di antaranya adalah pertumbuhan Dana Pihak Ketiga was the growth of third party funds. Throughout 2014, third
yang berhasil dihimpun, dimana sepanjang tahun 2014 party funds increased by 13.27%.
kenaikannya mencapai sebesar 13,27%.
Sedangkan NIM yang berhasil direalisasikan oleh Perseroan Meanwhile in 2014 the Company successfully realized NIM of
pada tahun 2014 adalah sebesar 6,79%. Keberhasilan ini, 5IJTTVDDFTTXBTNBJOMZESJWFOCZUIFNPSFFGmDJFOU
terutama didorong oleh kinerja operasional Perseroan yang performance of the Company’s operations causing interest
TFNBLJOFmTJFO TFIJOHHBQFOEBQBUBOCVOHBNBTJIUJOHHJ income to remain high.
Prospek Usaha Business Prospects

Rencana bisnis Perseroan tahun 2015 tetap berpedoman The Company’s 2015 business plan refers to the achievement
pada pencapaian visi meraih pertumbuhan berkualitas dan of the vision to achieve sustainable growth with quality. This
berkesinambungan. Dari sinilah Perseroan menentukan became the basis of the Company to determine our strategic
rencana strategis, dengan tetap memperhatikan kondisi plan, with regard to the macro conditions which could
makro yang berpotensi mempengaruhi kinerja Perseroan. potentially affect the Company’s performance.

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Pada tahun 2015, perekonomian global diperkirakan belum In 2015, the global economy is expected to remain unstable,
akan stabil, termasuk pada negara-negara mitra dagang including Indonesia’s major trading partners, such as China
utama Indonesia, seperti China yang diperkirakan masih which is expected to experience economic slowdown. These
akan mengalami perlambatan pertumbuhan ekonomi. Kondisi conditions are accompanied by a decline in global commodity
tersebut yang disertai dengan penurunan harga komoditas prices which potentially pressures the Indonesian economy.
global berpotensi memberikan tekanan pada perekonomian
Indonesia.
Dalam kondisi tersebut, pemerintah menetapkan sejumlah In these conditions, the government set a number of macro
asumsi makro, yang menjadi salah satu asumsi penting assumptions, which became one of the key assumptions for
bagi Perseroan dalam menentukan prospek usaha. Seperti the Company in determining its business prospects. As stated
tertuang dalam Rancangan Anggaran Pendapatan dan in the 2015 State Budget Amendment Draft, the assumptions
Belanja Negara (RAPBN) Perubahan 2015, asumsi yang telah set are:
ditetapkan adalah: *OnBUJPOJTFTUJNBUFEUPCF PSIJHIFSUIBOUIF
*OnBTJ EJQFSLJSBLBO BUBV MFCJI UJOHHJ EBSJ BTVNTJ budget assumption of 4.4%, however much lower than the
APBN 2015 yang 4,4%, namun jauh lebih rendah realization in 2014.
dibandingkan realisasi 2014. 2. The average exchange rate of the rupiah against the US
2. Rata-rata nilai tukar rupiah terhadap dolar AS diperkirakan dollar is expected to be in the range of Rp12.200, where
berada pada kisaran Rp12.200, yang semula diasumsikan the original assumption in the 2015state budget amounted
sebesar Rp11.900 dalam APBN tahun 2015. to Rp11.900.
3. Pertumbuhan ekonomi ditargetkan 5,8%, sama dengan 3. The economic growth is targeted at 5.8%, the same as the
APBN 2015. 2015 state budget.
Sementara fokus Perseroan pada 2015, terutama adalah Meanwhile the focus of the Company in 2015 is mainly placed
upaya memperbaiki serta memperkokoh fundamental bank on the improvement and strengthening the bank fundamentals
sebagai fondasi untuk mencapai kinerja Perseroan yang as the foundation to achieve better performance in the future,
lebih baik di masa akan datang, melalui pertumbuhan kinerja through the growth of quality performance (Build Strong
yang berkualitas (#VJME 4USPOH 'PVOEBUJPO). Dengan tetap Foundation). With regard to the macroeconomic conditions
memperhatikan kondisi makroekonomi serta faktor-faktor lain and other factors that could potentially affect the Company’s
yang berpotensi mempengaruhi kinerja Perseroan, target performance, the targets prepared include:
yang disusun di antaranya adalah: 1. Asset growth is expected to reach 13%.
1. Pertumbuhan aset diharapkan dapat mencapai 13%. 2. Third Party Fund is targeted to increase by around 17%.
2. Dana Pihak Ketiga ditargetkan dapat meningkat sekitar 3. Loan is projected to grow by around 15%.
17%. Non-performing loans or NPL Gross is estimated in the
3. Penyaluran kredit diproyeksikan tumbuh sekitar 15%. range of 2.53%.
Untuk kredit bermasalah atau NPL Gross, diperkirakan
berada di kisaran 2,53%.
Strategi Strategy
Untuk mencapai target yang telah ditetapkan diatas, beberapa To achieve the targets, several strategies prepared include:
strategi yang telah disiapkan di antaranya adalah: 1. In the area funding, the Company will improve the quality
1. Di bidang penghimpunan dana, Perseroan akan PG FYJTUJOH mOBODJBM QSPEVDUT BOE DPOEVDU DSPTTTFMMJOH
meningkatkan kualitas produk keuangan yang sudah ada strategy and product alliance, which are expected to grow
serta melakukan strategi cross selling dan aliansi produk, current account savings account (CASA).
yang diharapkan mampu menumbuhkan current account
saving account (CASA).

Pendahuluan
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2. Terkait dengan kualitas kredit, Perseroan akan fokus pada 2. With regard to credit quality, the Company will focus on the
perbaikan kredit bermasalah. improvement of non-performing loans.
3. Menyiapkan right issue Perseroan dalam rangka 3. Prepare the Company’s rights issue in order to increase
meningkatkan permodalan. capital.
.FOJOHLBULBO LVBMJUBT TFLUPS QFOVOKBOH QSPmUBCJMJUBT *NQSPWFUIFRVBMJUZPGQSPmUBCJMJUZTVQQPSUJOHTFDUPST TVDI
seperti layanan, jaringan, serta teknologi informasi. as services, networks, and information technology.
5. Memperluas dan mengembangkan kerja sama dengan 5. Expand and develop cooperation with correspondent
bank koresponden maupun institusi keuangan non-bank CBOLT BOE OPOCBOL mOBODJBM JOTUJUVUJPOT UP TVQQPSU UIF
untuk mendukung pengembangan bisnis Perseroan, di development of the Company’s business, including an
antaranya peningkatan remitansi. increase in remittances.
Kebijakan Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility Policy

Kendati bank bjb menghadapi beragam tantangan yang Despite bank bjb facing various heavy challenges, either
tidak ringan, baik dari eksternal akibat perlambatan ekonomi as a result of the external economic slowdown and internal
maupun di internal, Bank tetap menjalankan komitmennya di DPOEJUJPO UIF #BOL LFQU JUT DPNNJUNFOU JO UIF mFME PG
bidang tanggung jawab sosial perusahaan (CSR). corporate social responsibility (CSR).
Sepanjang tahun 2014, realisasi penggunaan dana CSR yang Throughout 2014, the CSR fund disbursed by the bank bjb
telah disalurkan oleh bank bjb sebesar Rp19,64 miliar. Dana amounted to Rp19.64 billion. The fund was used among
tersebut, di antaranya dimanfaatkan untuk program: others for the following programs:
• Kepedulian dalam mengurangi emisi karbon diwujudkan • The concern in reducing carbon emissions realized
melalui dukungan terhadap car free day lewat bantuan through the support to car free day through the donation
20 (dua puluh) unit sepeda kepada Unit Polisi Pariwisata of 20 (twenty) units of bicycles to the Tourism Police Unit,
Satuan Sabhara Polrestabes Kota Bandung untuk Unit Sabhara Polrestabes Bandung, to perform its function
menjalankan fungsinya dalam melaksanakan patroli untuk in carrying out patrols to maintain order and security in car
menjaga ketertiban dan keamanan car free day. free day.
• Bertepatan dengan HUT ke-53, bank bjb bekerja sama • Coinciding with its 53rd anniversary, bank bjb in
dengan FK3I (Forum Komunikasi Kader Konservasi cooperation with FK3I (the Indonesian Conservation Cadre
Indonesia) melakukan Penanaman 1.000 Pohon di Communication Forum) conducted planting of 1,000 trees
TAHURA (Taman Hutan Rakyat) Ir. H. Djuanda Provinsi in Ir. H. DJuanda TAHURA Park in West Java Province.
Jawa Barat. • The development of human resources through education
• Pengembangan sumber daya manusia melalui edukasi in English, such as the Youth Speak Fun Day organized by
bahasa Inggris, seperti :PVUI 4QFBL 'VO %BZ yang ISLC (Indonesian Student Leadership Camp) III together
diselenggarakan oleh ISLC (Indonesia Student Leadership with the Universitas Indonesia.
Camp) III bersama Universitas Indonesia. • Participation in the program “Movement of Thousand
• Turut serta dalam program “Gerakan Seribu Buku“, berupa Books”, namely the provision of textbooks, notebooks, and
pemberian buku-buku bacaan, buku tulis serta rak buku book shelves for schools and elementary school students.
bagi sekolah dan siswa Sekolah Dasar. • Optimizing Consumer Complaint System as one form of
• Menoptimalkan Sistem Pengaduan Konsumen yang increased customer protection in order to guarantee the
merupakan salah satu bentuk peningkatan perlindungan rights of customers in dealing with the Bank.
nasabah dalam rangka menjamin hak-hak nasabah dalam
berhubungan dengan Bank.

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Peningkatan Kualitas Sumber Daya Manusia ,PSURYLQJ7KH4XDOLW\RI+XPDQ5HVRXUFHV

Bagi bank bjb, karyawan merupakan aset yang sangat For bank bjb, the employee is a valuable asset in supporting
berharga dalam mendukung pertumbuhan bisnis Perseroan. the growth of the Company’s business. To that end, the
Untuk itu, Bank secara serius memperhatikan keberadaan Bank provides serious attention to the existence of human
SDM, sejak dari rekrutmen hingga pengembangan talenta. resources, from recruitment to talent development.
• Rekrutmen • Recruitment
Untuk rekrutmen karyawan baru, Perseroan memiliki For the recruitment of new employees, the Company has
dua jalur, yaitu rekrutmen fresh graduate. Rekrutmen two lines, namely the recruitment of fresh graduates. This is
ini merupakan tenaga kerja baru lulus perguruan tinggi the recruitment of recently graduated employees with the
dengan status pegawai non pendidikan. Selama tahun status of non-education employee. During 2014, 1,536 new
2014, telah terjaring 1.536 tenaga baru. Termasuk di employees were recruited. Among others, 490 outsourcing
antaranya, 490 tenaga alih daya bank bjb yang diangkat personnel who were appointed as permanent employee
menjadi calon pegawai tetap melalui jalur rekrutmen candidates through bank bjb internal recruitment.
internal bank bjb.
Selain fresh graduate, dilaksanakan juga program In addition to fresh graduates, there is also the individual
rekrutmen individual. Rekrutmen ini merupakan pengadaan recruitment program. This recruitment is the provision of
tenaga berpengalaman pada bidang pekerjaan tertentu experienced personnel in certain occupations aligned with
yang diselaraskan dengan kebutuhan pencapaian kinerja the needs of the the bank bjb to achieve performance. In
bank bjb. Rekrutmen tahun 2014 telah menjaring 29 2014, the Bank recruited 29 employees of individual hire.
tenaga individual hire.
• Pengembangan • Development
Setiap pegawai bank bjb memiliki kesempatan yang Each employee of bank bjb has equal opportunities in
setara dalam proses pengembangan karir sesuai dengan the career development process in accordance with the
kinerja, kompetensi, pengalaman dan kriteria lainnya performance, competence, experience and other criteria
yang ditetapkan, serta kesempatan dalam mendapatkan set forth and the opportunity to obtain education and
pendidikan dan pelatihan. Divisi Pendidikan dan Pelatihan training. The Education and Training Division continues
terus berkoordinasi dengan Divisi SDM dan unit kerja to coordinate with the Human Resources Division and the
terkait dalam meningkatkan kompetensi seluruh pegawai related units in improving the competence of bank bjb
di bank bjb. employees
Sesuai dengan Pedoman Persyaratan Pelatihan Pegawai In accordance with bank bjb’s Guidelines for Employee
bank bjb yang didasarkan pada Sistem Grading, bank Training based on the Grading System, bank bjb divides
bjb membagi pelatihan menjadi tiga kategori: Pelatihan the training into three categories: primary training,
utama, pelatihan teknikal dan pelatihan soft skill. technical training and soft skills training.
Pelaksanaan pengembangan pegawai di bank bjb selalu bank EME·s employee development is always evaluated in
dievaluasi secara berjenjang. Evaluasi tersebut terdiri stages. The Evaluations includes:
dari: • Training Evaluation Level 1, namely measuring the
• Evaluasi Training Level 1. Untuk mengukur tingkat level of satisfaction of the participants after the training.
kepuasan peserta setelah mengikuti training. Selain itu Moreover, to know the opinion of the participants of the
untuk mengetahui opini dari para peserta mengenai training they followed.
training yang diikutinya.

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• Evaluasi Training Level 2: Untuk mengukur sejauh • Training Evaluation Level 2: To measure to what
mana materi yang diberikan selama pelatihan telah extent the material covered in the training have been
dipahami, dihayati dan diingat oleh para peserta. understood, internalized and remembered by the
• Evaluasi Training Level 3. Untuk mengetahui seberapa participants.
jauh perubahan yang terjadi pada diri peserta pada t 5SBJOJOH&WBMVBUJPO-FWFM5PmOEPVUIPXGBSUIFUIF
saat peserta kembali ke lingkungan pekerjaannya participants changed after the participants returned
setelah mengikuti training, khususnya perubahan to his/ her work after following the training, especially
pada perilaku ketiga domain kompetensi (knowledge, the changes in the behavior of the three domains of
skills dan attitudes). competence (knowledge, skills and attitudes).
• Evaluasi Training Level 4. Untuk mengukur sejauh • Training Evaluation Level 4. To measure to what
mana training yang dilakukan memberikan dampak/ extent the training conducted has provide an impact/
hasil (result) terhadap peningkatan kinerja para outcome (result) to increase the performance of the
peserta hasil pelatihan, unit kerja, maupun perusahaan participants, work units, as well as the Company as a
secara keseluruhan. whole.
Penerapan GCG GCG Implementation

Bagi Perseroan, penerapan prinsip-prinsip tata kelola For the Company, the application of the principles of good
perusahaan yang baik (GCG) telah menjadi bagian dalam corporate governance (GCG) has become part of the
proses bisnis yang dijalankan. Sejak dari perencanaan hingga business process. Planning to execution and evaluation are
eksekusi dan evaluasi, selalu dibatasi oleh pengelolaan always constrained by risk management.
manajemen risiko.
Hingga saat ini, pengelolaan risiko terus dijalankan dan Until now, risk management has been carried out and
dikembangkan. Mulai dari perencanaan hingga pelaksanaan continued to be developed. Starting from the planning to the
kegiatan, Perseroan selalu berupaya membangun kerangka implementation of activities, the Company has always tried to
manajemen risiko agar proses bisnis di lingkungan Perseroan build a risk management framework in order for the business
dapat berjalan secara berkesinambungan. processes within the Company to run continuously.
Di antara kebijakan di bidang manajemen risiko adalah pada "NPOHUIFQPMJDJFTJOUIFmFMEPGSJTLNBOBHFNFOUJTSFMBUFEUP

bagian kredit. Perseroan telah melaksanakan fungsi four eyes credit. The Company has been applying the functions of four
principles dalam proses pemberian kredit. Melalui prinsip ini, eyes principles in the credit granting process. Through this
pelaksanaan kewenangan memutus kredit harus dilakukan principle, loan approval should be performed together at least
bersama-sama, minimal oleh dua pejabat kredit. CZUXPDSFEJUPGmDFST
Pada intinya, Perseroan akan terus mengembangkan In essence, the Company will continue to develop the
pengelolaan kebijakan dan prosedur manajemen risiko. management of risk management policies and procedures,
5FSNBTVLEJEBMBNOZBBEBMBIUFSLBJUEFOHBOQSPmMSJTJLPZBOH JODMVEJOH UIF SJTL QSPmMF QPUFOUJBMMZ GBDFE CZ UIF $PNQBOZ
berpotensi dihadapi oleh Perseroan, melalui pengembangan through the development of credit risk measurement
standar-standar pengukuran risiko kredit. standards.
Untuk penilaian GCG secara mandiri pada tahun 2014 In 2014 GCG self-assessment was conducted in accordance
yang dilakukan sesuai dengan standar dari Surat Edaran with the standards of Bank Indonesia Circular Letter No.
Bank Indonesia Nomor 15/15.DPNP Perihal Pelaksanaan 15/ 15.DPNP on the implementation of Good Corporate
Good Corporate Governance Bagi Bank Umum, Perseroan Governance for Commercial Banks. The Company’s
mendapat peringkat 2. Hal ini mencerminkan bahwa ($( JNQMFNFOUBUJPO XBT SBOLFE 5IJT SFnFDUT UIBU UIF
Manajemen telah menerapkan prinsip GCG yang secara management has implemented commonly good GCG
umum baik. principles.

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Perubahan Komposisi Direksi Change In The Composition of The Board of Directors

Sepanjang tahun 2014, komposisi Direksi Perseroan dua Throughout 2014, the composition of the Board of Directors
kali mengalami perubahan, yang diputuskan melalui dua was amended twice, which was decided by two Extraordinary
kali Rapat Umum Pemegang Saham Luar Biasa (RUPSLB). (FOFSBM .FFUJOHT PG 4IBSFIPMEFST &(.
mSTU QFSGPSNFE JO
Pertama dilakukan pada 1 Juli dan kedua pada 19 Desember. July 1 and the second in December 19. After going through
Setelah melalui beragam perubahan tersebut, saat ini a variety of changes, below is the current composition of the
susunan Direksi adalah: Board of Directors:
Direktur Utama : Ahmad Irfan President Director : Ahmad Irfan
Direktur Kepatuhan dan Director of Compliance
Manajemen Risiko : Zaenal Aripin and Risk Managemen : Zaenal Aripin
Direktur Mikro : Agus Gunawan Micro Director : Agus Gunawan
Direktur Operasional : Benny Santoso Director of Operations : Benny Santoso
Direktur Konsumer : Fermiyanti Consumer Director : Fermiyanti
Direktur Keuangan : Nia Kania Finance Director : Nia Kania
Direktur Komersial : Suartini Commercial Director : Suartini
Kami mengucapkan selamat bergabung dalam jajaran We welcome the members of the Board of Directors to jointly
Direksi, untuk bersama-sama mengemban amanah dalam carry out the mandate in running the Company’s business. To
menjalankan usaha Perseroan. Kepada jajaran Direksi the previous members of the Board of Directors, we thank you
sebelumnya, kami mengucapkan terima kasih atas segala for all the efforts given to the Company during your tenure.
upaya yang telah diberikan kepada Perseroan selama
menjabat.
Apresiasi Appreciation
Atas nama segenap jajaran Direksi, kami juga menyampaikan On behalf of the Board of Directors, I would also like to thank
terima kasih kepada para pemegang saham yang telah the shareholders for their trust placed on the management of
memberikan kepercayaan atas pengelolaan Perseroan. the Company. We also express our highest appreciation to
Penghargaan yang setinggi-tingginya juga kami sampaikan the management and the employees who have worked hard,
kepada jajaran manajemen dan karyawan yang telah bekerja shoulder to shoulder, as well as dedicated in realizing the
keras, bahu-membahu, serta berdedikasi dalam mewujudkan vision and mission of the Company.
visi dan misi Perseroan.
Kepada pemangku kepentingan diluar Perseroan, khususnya To the outside stakeholders of the Company’s, especially
nasabah dan regulator, kami juga menyampaikan terima kasih customers and regulators, we also express our gratitude for
atas dukungannya selama ini. Semoga semua yang sudah the support. We hope our achievements will not stop us from
dicapai tidak membuat kami berhenti berkarya dan berinovasi. working and innovating.
Ahmad Irfan
Direktur Utama
President Director

Pendahuluan
Laporan Manajemen
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DIREKSI
Ahmad Irfan Agus Gunawan Suartini

Direktur Utama Direktur Mikro Direktur Komersial
President Director Managing Director – Micro Managing Director –
Commercial

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%2$5'2)',5(&7256
)HUPL\DQWL Zaenal Aripin Nia Kania Benny Santoso

Direktur Konsumer Direktur Kepatuhan dan Direktur Keuangan Direktur Operasional
Managing Director – Manajemen Risiko Managing Director – Managing Director –
Consumer Managing Director – Finance Operational
Compliance and Risk
Management

Pendahuluan
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TANGGUNG JAWAB PELAPORAN

TAHUNAN 2014
5(63216,%,/,7<)25$118$/5(3257,1*
Laporan Tahunan ini, beserta laporan keuangan dan 5IJT"OOVBM3FQPSUJODMVEJOHUIFBVEJUFEmOBODJBMSFQPSUBOE

informasi lain yang terkait, merupakan tanggung jawab penuh related information are the responsibility of the management
Dewan Komisaris bank bjb dengan membubuhkan tanda of bank bjb and have been approved by members of the
tangannya masing-masing di bawah ini pada bulan Board of Commissioners whose signatures appear below in
Maret 2015. March 2015.
Dewan Komisaris
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Komisaris Utama
Muhadi Wawan Ridwan Achmad Baraba

Komisaris Komisaris Komisaris Independen
Commissioner Commissioner Independent Commissioner
Klemi Subiyantoro Yayat Sutaryat Rudhyanto Mooduto

Komisaris Independen Komisaris Independen Komisaris Independen
Independent Commissioner Independent Commissioner Independent Commissioner
* Pada saat Laporan Tahunan ini diterbitkan telah menjabat sebagai Pjs Ketua KPK, * At the time this Annual Report is published he serves as Acting Chairman of KPK, and
sehingga tidak memungkinkan menandatangani Laporan Tahunan Perseroan Tahun is forbidden to sign this 2014 Annual Report (Statement in Page 38)
2014. (Surat Pernyataan di halaman 38)

Introduction
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Laporan Tahunan ini, beserta laporan keuangan dan informasi 5IJT"OOVBM3FQPSUJODMVEJOHUIFBVEJUFEmOBODJBMSFQPSUBOE

lain yang terkait, merupakan tanggung jawab penuh Direksi related information are the responsibility of the management of
bank bjb dengan membubuhkan tanda tangannya masing- bank bjb and have been approved by members of the Board
masing di bawah ini pada bulan Maret 2015. of Directors whose signatures appear below in March 2015.
Direksi
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Ahmad Irfan
Direktur Utama
President Director
Zaenal Aripin Nia Kania Suartini

Direktur Kepatuhan dan Direktur Keuangan Direktur Komersial
Manajemen Risiko Managing Director – Finance Managing Director – Commercial
Managing Director – Compliance and
Risk Management
)HUPL\DQWL Agus Gunawan Benny Santoso

Direktur Konsumer Direktur Mikro Direktur Operasional
Managing Director – Consumer Managing Director – Micro Managing Director – Operational

Pendahuluan
Laporan Manajemen
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TANGGUNG JAWAB PELAPORAN TAHUNAN 2014

Introduction
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Pendahuluan
Laporan Manajemen
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Ikhtisar Saham & Obligasi
Analisa & Pembahasan atas Kinerja Perseroan
40 Laporan Keuangan Konsolidasian
Data Perusahaan
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Perusahaan
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Introduction
Management Report
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Stock & Obligation Highlights
Management Discussion & Analysis on Company Performance
Corporate Social Responsibility
Consolidated Financial Statements
Corporate Data
41
• Informasi Umum Perusahaan 42 • Daftar Entitas Anak dan Entitas Asosiasi 58

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• Sekilas bank bjb 43 • Jaringan Operasi & Layanan 60

bank bjbLQ%ULHI 2SHUDWLRQ1HWZRUN 6HUYLFHV
• Tonggak Sejarah 46 • Struktur Organisasi 62

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• Visi & Misi 52 • 3URÀO'HZDQ.RPLVDULV

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• Bidang Usaha 54 3URÀO .RPSRVLVL.DU\DZDQ

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• Struktur Kepemilikan & Grup Perusahaan 56 • Lembaga Penunjang Efek 74

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Pendahuluan
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Data Perusahaan
,1)250$6,80803(586$+$$1
&203$1<*(1(5$/,1)250$7,21
Nama Perusahaan PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. Name of Company
Nama Panggilan bank bjb Call Name
Alamat Kantor Pusat Menara bank bjb )FBE0GmDF"EESFTT

Jl. Naripan No. 12-14
Bandung 40111
Bidang Usaha Perbankan Banking
Dasar Hukum Pendirian Akta No. 4 Tahun 1999 yang dibuat di hadapan Ny. Popy Kuntari Dasar Hukum Pendirian
Sutresna SH. Notaris di Bandung
Deed No. 4/1999 made before Ms. Popy Kuntari Sutresna SH. Notary
at di Bandung
Telepon +6222-4234868 Phone
Faksimili +6222-4206099 Facsimile
Tanggal Pendirian 20 Mei/May 1961 Founded
Modal Dasar Rp4.000.000.000.000,- Authorized Capital
Modal ditempatkan dan Sebanyak 9.696.291.166 lembar saham dengan nilai nominal Issued and Fully Paid-Up
disetor penuh sebesar Rp2.424.072.791.500 Capital
Amounted to 9,696,291,166 shares with a nominal of

Rp2,424,072,791,500
Bursa Efek Bursa Efek Indonesia Stock Exchange
Kode Saham BJBR Share Code
Komposisi Pemegang Pemda Provinsi Jawa Barat (38,26%), Pemda Provinsi Banten Share Holder Composition
Saham (5,37%), Pemda Kota-Kabupaten Se-Jawa Barat (23,61%), Pemda
Kota-Kabupaten Se-Banten (7,76%) dan Publik (25%)
West Java Provincial Government (38.26%), Banten Provincial

Government (5.37%), West Java Municipal Government (23.61%),
Banten Municipal Government (7.76%) and Public (25%)
Data Anak Perusahaan - bank bjb Syariah (97,70%) - Perbankan Subsidiaries Data
- PD. BPR LPK Garutkota (46.50%) - Perbankan
- PD. BPR LPK Jalancagak (51,00%) - Perbankan
Jumlah Aset Rp75,836 Triliun Total Assets
Jumlah Jaringan Kantor 1 Kantor Pusat )FBE0GmDF 0GmDF/FUXPSL

62 Kantor Cabang #SBODI0GmDFT
312 Kantor Cabang Pembantu 4VC#SBODI0GmDFT
318 Kantor Kas Cash Units
133 Payment Point Payment Points
11 Kas Mobil Keliling Mobile Cash Service
1.191 ATM bank bjb bank bjb ATMs
Website http://www.bankbjb.co.id Website
E-mail Perusahaan ir@bankbjb.co.id or divisicorporatesecretary@bankbjb.co.id Corporate E-mail
Call Center 14049 Call Center

Introduction
Management Report
&RPSDQ\3URÀOH
Corporate Data
43
SEKILAS bank bjb

bank bjb ,1%5,()
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. yang dikenal dengan nama bank bjb, adalah
bank umum yang sahamnya dimiliki oleh Pemerintah Provinsi Jawa Barat, Pemerintah Provinsi Banten,
pemerintah kota/kabupaten se-Jawa Barat dan Banten, dan publik.
Awal berdirinya bank bjb bermula dari NV DENIS (De Erste Nederlansche Indische Shareholding), yang
berkedudukan di Bandung dan bergerak di bidang hipotek. Perusahaan ini merupakan salah satu perusahaan
milik Belanda yang dinasionalisasi berdasarkan Peraturan Pemerintah (PP) Republik Indonesia (RI) Nomor 33
Tahun 1960 tentang Penentuan Perusahaan di Indonesia Milik Belanda yang Dinasionalisasi.
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. known as bank bjb, is a commercial bank
owned by the Provincial Government West Java, Provincial Government of Banten, all city and regency
governments in West Java and Banten, and the public.
The establishment of bank bjb initiated from NV DENIS (De Erste Nederlansche Indische shareholding),
which was based in Bandung, engaged in mortgages and one of the Dutch-owned companies nationalized
under Government Regulation (PP) of the Republic of Indonesia (GoI) No. 33 of 1960 about the determination
of Dutch Companies in Indonesia.

Pendahuluan
Laporan Manajemen
3URÀO3HUXVDKDDQ
Data Perusahaan
SEKILAS bank bjb
Sebagai tindak lanjut dari Peraturan Pemerintah tersebut, As a follow-up of the regulation, the Government of
Pemerintah Provinsi Jawa Barat mendirikan “PT Bank Karja West Java Province established the “PT Bank Karja
Pembangunan Daerah Djawa Barat” dengan modal dasar Pembangunan Daerah Djawa Barat” capital base of local cash
dari kas daerah sebesar Rp2.500.000, berdasarkan Akta amounting to Rp2,500,000, by Deed 125 dated November
Pendirian No.125 tanggal 19 November 1960 juncto. Akta 19, 1960 in conjunction by Deed of notary Noezar Number
Perubahan No.152 tanggal 21 Maret 1961 dan Akta Perubahan 152 Date March 21, 1961 and Number 184 dated May 13,
No.84 tanggal 13 Mei 1961, keduanya dibuat di hadapan BOEDPOmSNFECZUIF%FDSFF 4,
8FTU+BWB1SPWJODF
Noezar, Notaris di Bandung. serta dikukuhkan dengan Surat Governor No. 7/GKDH/BPD/61 dated May 20, 1961 concerning
Keputusan (SK) Gubernur Provinsi Jawa Barat Nomor 7/ the establishment of regional PT Bank Karja Pembangunan
GKDH/BPD/61 tertanggal 20 Mei 1961 tentang Pembentukan Daerah Djawa Barat.
Perusahaan Daerah PT Bank Karja Pembangunan Daerah
Djawa Barat.
Dalam rangka penyesuaian dengan ketentuan Undang- To improve the legal status of the West Java Regional
Undang Republik Indonesia No.13 Tahun 1962 tentang Development Bank, Regional Regulation (Perda) No. 11/
Ketentuan-ketentuan Pokok Bank Pembangunan Daerah, PDDPRD West Java province/72 Date June 27, 1972 was
bentuk hukum Perseroan diubah dari Perseroan Terbatas issued concerning the Legal Status of the Bank’s operations
Bank Karja Pembangunan Daerah Djawa Barat menjadi Bank in West Java Regional Development as a local company (PD)
Pembangunan Daerah Jawa Barat berdasarkan Peraturan which is engaged in banking. In further developments, the
Daerah Provinsi Jawa Barat No.11/PD-DPRD/1972 tanggal name of PD Regional Development Bank’s work changed to
27 Juni 1972 tentang Penyempurnaan Kedudukan Hukum BPD Jabar through the West Java Provincial Law No. 1/DP-
Bank Karja Pembangunan Daerah Djawa-Barat. Nama PD 040/PD/1978 dated June 27, 1978. Along with the increased
Bank Karja Pembangunan Daerah Jawa Barat selanjutnya activity and customer needs, in 1992 the status of BPD Jabar
diubah menjadi BPD Jabar sesuai Perda Provinsi Jawa was upgraded to a foreign exchange commercial bank based
Barat Nomor 1/DP-040/PD/1978 Tanggal 27 Juni 1978. Pada on the Decree of Bank Indonesia (BI) Number 25/84/KEP/DIR
tahun 1992 sesuai dengan Surat Keputusan Bank Indonesia on November 2, 1992. Furthermore, based on Regulation No.
No.25/84/KEP/DIR tanggal 2 November 1992 status BPD 11 of 1995, this bank has the name of Bank Jabar with a new
Jabar meningkat menjadi bank umum devisa. Berdasarkan logo.
Peraturan Daerah Nomor 11 Tahun 1995, BPD Jabar memiliki
sebutan Bank Jabar dengan logo baru.
Berdasarkan Peraturan Daerah Provinsi Daerah Tingkat I Jawa Pursuant to the West Java Provincial Decree No. 22 dated
Barat No.22 Tahun 1998 tanggal 14 Desember 1998 tentang December 14, 1998 about the change of legal status of the
Perubahan Bentuk Hukum Bank Pembangunan Daerah Jawa Regional Development Bank of West Java from a regional
Barat dari Perusahaan Daerah menjadi Perseroan Terbatas corporation to be a limited liability company, the legal status
(PT). Bentuk hukum Bank Pembangunan Daerah Jawa Barat of the Regional Development Bank of West Java was changed
berubah yang semula Perusahaan Daerah menjadi Perseroan to be a Limited Liability Company. The regional government
Terbatas. Perda tersebut dituangkan lebih lanjut pada Akta decree was later authorised by the Deed of Establishment
Pendirian Nomor 4 Tanggal 8 April 1999 juncto Akta Perbaikan No. 4 dated April 8, 1999 juncto Deed of Amendment No. 8
Nomor 8 Tanggal 15 April 1999 keduanya dibuat di hadapan dated April 15, 1999, which were written before Popy Kuntari
Popy Kuntari Sutresna, S.H., Notaris di Bandung yang telah Sutresna, Notary in Bandung as approved by the Ministry of
memperoleh pengesahan Menteri Kehakiman RI berdasarkan Law Republic of Indonesia by virtue of the Decree No. C2-
Surat Keputusan No.C2-7103.HT.01.01.TH.99 tanggal 16 7103.HT.01.01.TH.99 dated April 16, 1999, registered in the
April 1999, didaftarkan dalam Daftar Perusahaan di Kantor $PNQBOZ3FHJTUSZ0GmDF/P#)*7EBUFE"QSJM
Pendaftaran Perusahaan Kab/Kodya Bandung di bawah 24, 1999, and announced on State Gazette No. 39 dated
No.871/BH.10.11/IV/99 tanggal 24 April 1999, serta telah May 14, 1999, supplemental No. 2811, the legal status Bank
diumumkan dalam Berita Negara Republik Indonesia No.39 Jabar was changed from a Regional Corporation to a Limited
tanggal 14 Mei 1999, Tambahan No.2811, bentuk hukum Liability Company.
Bank Jabar diubah dari Perusahaan Daerah (PD) menjadi
Perseroan Terbatas (PT).

Introduction
Management Report
&RPSDQ\3URÀOH
Corporate Data
45
bank bjb,1%5,()
Untuk memenuhi meningkatnya kebutuhan masyarakat akan To meet public demand for services based on Sharia banking
jasa layanan perbankan yang berlandaskan syariah, sesuai principles, in accordance with the permission letter of BI No.
dengan izin BI Nomor 2/18/ DpG/DPIP Tanggal 12 April 2/18/DpG/DPIP on 12 April 2000, Bank Jabar became on April
2000 maka sejak tanggal 15 April 2000 Bank Jabar menjadi UIFmSTUSFHJPOBMEFWFMPQNFOUCBOLJO*OEPOFTJBUP
bank pembangunan daerah pertama di Indonesia yang run a dual banking system, which provides banking services
menjalankan dual banking system, yaitu memberikan layanan with both conventional and sharia systems.
perbankan dengan sistem konvensional dan sistem syariah.
Berdasarkan Rapat Umum Pemegang Saham (RUPS) tanggal The result of the general meeting of shareholders (AGM) April
16 April 2001 disetujui peningkatan modal dasar Bank Jabar 16, 2001 was to increase authorized capital of Bank Jabar to
menjadi Rp1 triliun. Selanjutnya, berdasarkan hasil keputusan 3QUSJMMJPOGPSNPSFnFYJCJMJUZUPFYFDVUFJUTCVTJOFTTFYQBOTJPO
RUPS yang diselenggarakan pada tanggal 14 April 2004 Furthermore, based on resolution at the AGM held on April 14,
berdasarkan Akta Nomor 10 Tanggal 14 April 2004, modal 2004 by Act No. 10 on April 14, 2004, the authorized capital of
dasar Bank Jabar dinaikkan dari Rp1 triliun menjadi Rp2 triliun. the Bank Jabar was increased from Rp1 trillion to Rp2 trillion.
Melihat perkembangan prospek usaha yang terus membaik, Seeing the development of business prospects continuing to
hasil RUPS tanggal 5 April 2006 menetapkan kenaikan modal improve, the results of April 5, 2006 AGM set the authorized
dasar Bank Jabar dari Rp2 triliun menjadi Rp4 triliun. capital increase of Bank Jabar of Rp2 trillion to Rp4 trillion.
Pada bulan November 2007, sebagai tindak lanjut SK In November 2007, following the issuance of Bank Indonesian
Gubernur BI Nomor 9/63/kep.gbi/2007 tentang Perubahan Governor Decree No. 9/63/kep.gbi/2007 on Amendment to
Izin Usaha Atas Nama PT Bank Pembangunan Daerah Jawa Business License on behalf of PT Bank Pembangunan Daerah
Barat Menjadi Izin Usaha Atas Nama PT Bank Pembangunan Jawa Barat had a Business License on behalf of PT Bank
Daerah Jawa Barat dan Banten, dilaksanakan penggantian Pembangunan Daerah Jawa Barat dan Banten, renaming
call name dari “Bank Jabar” menjadi “Bank Jabar Banten”. Bank Jabar to “Bank Jabar Banten”.
Sehubungan dengan kegiatan usaha perbankan syariah, In relation to the Islamic banking business, the Company
Bank Jabar Banten melakukan pemisahan (spin off) spun off the Sharia business unit into a Sharia bank with the
unit usaha syariah menjadi bank syariah dengan nama name PT Bank Jabar Banten Syariah. Based on the Deed of
PT Bank Jabar Banten Syariah. Berdasarkan Akta Pendirian Establishment of Limited Liability Companies, PT Bank Jabar
Perseroan Terbatas, PT Bank Jabar Banten Syariah No.4 Banten Syariah No.4 dated January 15, 2010, made by Fathiah
tanggal 15 Januari 2010, dibuat oleh Fathiah Helmi, S.H., Helmi, SH, Notary in Jakarta, bank bjb has an investment of
Notaris di Jakarta, bank bjb memiliki penyertaan sebanyak 1,980,000,000 (one billion nine hundred eighty million) shares
1.980.000.000 (satu miliar sembilan ratus delapan puluh representing 99% (ninety nine percent) of all shares issued and
juta) saham yang merupakan 99% (sembilan puluh sembilan fully paid shares in the Subsidiary. Bank Jabar Banten Sharia
persen) dari seluruh saham yang telah ditempatkan dan has obtained a license from Bank Indonesia in accordance
disetor penuh dalam Anak Perusahaan. Bank Jabar Banten with the Decision of the Governor of Bank Indonesia No.12/35/
Syariah memperoleh izin usaha dari Bank Indonesia sesuai KEP.GBI/2010 dated April 30, 2010 about Granting License to
dengan Keputusan Gubernur Bank Indonesia No.12/35/KEP. PT Bank Jabar Banten Syariah.
GBI/2010 tanggal 30 April 2010 Tentang Pemberian Izin
Usaha PT Bank Jabar Banten Syariah.
Seiring dengan perkembangan jaringan kantor yang lebih luas In line with the development of a wider service and based on
maka berdasarkan Hasil Rapat Umum Pemegang Saham Luar the results of Extraordinary General Meeting Shareholders of
Biasa PT Bank Pembangunan Jawa Barat dan Banten Nomor PT Bank Pembangunan Jawa Barat dan Banten No. 26 dated
26 tanggal 21 April 2010 dan sesuai Surat Bank Indonesia April 21, 2010, in accordance with the Letter of Bank Indonesia
No. 12/78/APBU/Bd tanggal 30 Juni 2010 perihal Rencana 12/78/APBU/Bd dated June 30, 2010 regarding the Logo
Perubahan Logo, serta Surat Keputusan Nomor 1337/SK/ Amendment Plan and Decree No. 1337/SK/DI (R-PPN/2010
DI(R-PPN/2010 tanggal 5 Juli 2010, maka pada tanggal 8 EBUFE+VMZ UIF$PNQBOZTOBNFPGmDJBMMZDIBOHFEUP
Agustus 2010 nama “Bank Jabar Banten” resmi berubah “bank bjb” on August 8, 2010.
menjadi “bank bjb”.

Pendahuluan
Laporan Manajemen
3URÀO3HUXVDKDDQ
Data Perusahaan
TONGGAK SEJARAH
0,/(6721(6
bank bjb didirikan

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Introduction
Management Report
&RPSDQ\3URÀOH
Corporate Data
47
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Pendahuluan
Laporan Manajemen
3URÀO3HUXVDKDDQ
Data Perusahaan
TONGGAK SEJARAH
NV Denis (De Erste Nederlansche Indische NV Denis (De Erste Nederlansche Indische
Shareholding) – 1915 Shareholding) – 1915
De Eerste Nederlandsche-Indische Spaarkas en De Eerste Nederlandsche-Indische Spaarkas en
Hyphoteekbank (DENIS) merupakan salah satu bank tabungan )ZQIPUFFLCBOL %&/*4
%&/*4 TBJE UP CF UIF mSTU
dan hipotek di Hindia Belanda yang berdiri berdasarkan Akta based on Act No. 40 dated September 15, 1915, saving and
Pendirian No. 40 tanggal 15 September 1915. mortgage bank is in the East Indies.
Sejarah Pendirian – 1961 Establishment – 1961

Pendirian Bank Pembangunan Daerah Jawa Barat diawali The establishment of Bank Pembangunan Daerah Jawa Barat
oleh Peraturan Pemerintah Republik Indonesia nomor 33 was triggered by the Indonesian Government Regulation
tahun 1960 tentang Penentuan Perusahaan di Indonesia number 33 Year 1960 regarding the nationalisation of Dutch-
Milik Belanda yang dinasionalisasi. Salah satu perusahaan owned companies in Indonesia. One of the Dutch-owned
milik Belanda yang berkedudukan di Bandung yang companies based in Bandung that was nationalised was
dinasionalisasi yaitu NV Denis (De Erste Nederlansche NV Denis (De Erste Nederlansche Indische Shareholding)
Indische Shareholding) yang sebelumnya bergerak di which was previously engaged in mortgage banking. As a
bidang bank hipotek. Sebagai tindak lanjut dari Peraturan follow-up of the Government Regulation number 33 Year
Pemerintah nomor 33 tahun 1960, Pemerintah Propinsi 1960, the Provincial Government of West Java by deed of
Jawa Barat berdasarkan Akta Pendirian No.125 tanggal 19 establishment No. 125 November 19, 1960 with Noezar Deed
November 1960 juncto Akta Nomor 152 tanggal 21 Maret number 152 dated March 21, 1961 and number 84 dated
1961 dan Akta Nomor 84 tanggal 13 Mei 1961 seluruhnya .BZ BOEDPOmSNFECZUIF%FDSFFPGUIF(PWFSOPS
dibuat Notaris Noezar dan sesuai dengan Surat Keputusan of West Java Province number 7/GKDH/BPD/61 dated May
Gubernur Propinsi Jawa Barat nomor 7/GKDH/BPD/61 20, 1961, established the ”PT Bank Karja Pembangunan
tanggal 20 Mei 1961 mendirikan Perusahaan Daerah ”PT Bank Daerah Djawa Barat” with authorized starting capital of
Karja Pembangunan Daerah Djawa Barat” dengan modal Rp2,500,000 from the regional government treasury.
dasar untuk pertama kali berasal dari Kas Daerah sebesar
Rp2.500.000,-.

Introduction
Management Report
&RPSDQ\3URÀOH
Corporate Data
49
0,/(6721(6
Perubahan Badan Usaha – 1978 Changes of business entities – 1978

Untuk menyempurnakan kedudukan hukum PT Bank Karja To improve the legal position of the PT Bank Karja
Pembangunan Daerah Djawa Barat, dikeluarkan Peraturan Pembangunan Daerah Djawa Barat, the Provincial government
Daerah Propinsi Jawa Barat nomor 11/PD-DPRD/72 tanggal issued regulation number 11/PD-DPRD/72 dated June 27,
27 Juni 1972 tentang kedudukan hukum Bank Karja 1972 regarding the legal status of Bank Karya Pembangunan
Pembangunan Daerah Djawa Barat sebagai Perusahaan Daerah Djawa Barat as a local enterprise in the banking
Daerah yang berusaha di bidang perbankan. Selanjutnya sector. Furthermore, the name “PD Bank Karja Pembangunan
melalui Peraturan Daerah Propinsi Jawa Barat nomor 1/DP- Daerah Jawa Barat” was changed to “Bank Pembangunan
040/PD/1978 tanggal 27 Juni 1978, nama “PD Bank Karja Daerah Jawa Barat” by provincial regulation number 1/DP-
Pembangunan Daerah Jawa Barat” diubah menjadi “Bank 040/PD/1978 dated June 27, 1978.
Pembangunan Daerah Jawa Barat”.
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Pada tahun 1992 aktivitas Bank Pembangunan Daerah Jawa In 1992 Bank Pembangunan Daerah Jawa Barat was upgraded
Barat ditingkatkan menjadi Bank Umum Devisa berdasarkan to a Commercial Bank based on the Decree of Bank Indonesia
Surat Keputusan Direksi Bank Indonesia Nomor 25/84/KEP/ Number 25/84/KEP/DIR dated November 2, 1992, and based
DIR tanggal 2 November 1992. Berdasarkan Perda Nomor on Provincial Regulation No. 11 Year 1995 the name was
11 Tahun 1995 BPD Jawa Barat mempunyai call name “Bank changed to “Bank Jabar” with a new logo.
Jabar“ dengan logo baru.
Perubahan Bentuk Hukum – 1998 Change of Legal Status – 1998

Dalam rangka mengikuti perkembangan perekonomian dan In order to follow the development of the economy and
perbankan, maka berdasarkan Perda Nomor 22 Tahun 1998 banking, and based on Provincial Regulation No. 22 Year
dan Akta Pendirian Nomor 4 Tanggal 8 April 1999 berikut 1998 and the Deed of Establishment No. 4 dated April 8,
Akta Perbaikan Nomor 8 Tanggal 15 April 1999 yang telah 1999 following further amendment No. 8 dated April 15, 1999
disahkan oleh Menteri Kehakiman RI tanggal 16 April 1999, dated on April 16, 1999 which was approved by the Minister of
bentuk hukum Bank Jabar diubah dari Perusahaan Daerah Justice of the Republic of Indonesia, the legal status of Bank
(PD) menjadi Perseroan Terbatas (PT). Jabar was changed from a Regional enterprise (PD) to Limited
Liability Company (PT).

Pendahuluan
Laporan Manajemen
3URÀO3HUXVDKDDQ
Data Perusahaan
TONGGAK SEJARAH
Perluasan Bentuk Usaha – Dual Banking System 2000 Expanding Business Entity – Dual Banking System
Dalam rangka memenuhi permintaan masyarakat akan jasa 2000
layanan perbankan yang berlandaskan Syariah, maka sesuai In order to meet public demand for services based on Sharia
dengan izin Bank Indonesia No. 2/18/DpG/DPIP tanggal 12 principles and in accordance with the consent of Bank
April 2000, sejak tanggal 15 April 2000 Bank Jabar menjadi Indonesia No. 2/18/DpG/DPIP dated April 12, 2000, Bank
bank pembangunan daerah pertama di Indonesia yang +BCBSCFDBNFUIFmSTUSFHJPOBMEFWFMPQNFOUCBOLSVOOJOHB
menjalankan dual banking system, yaitu memberikan layanan dual banking system. Since April 15, 2000 Bank Jabar has
perbankan dengan sistem konvensional dan dengan sistem provided banking services within the conventional and the
syariah. Sharia systems.
Perubahan Nama dan Call Name Bank Jabar Banten – Change of Name and Call Name “Bank Jabar Banten“
2007 – 2007
Berdasarkan Hasil Rapat Umum Pemegang Saham Luar Based on Results of the Extraordinary General Shareholders
Biasa (RUPS-LB) PT Bank Pembangunan Daerah Jawa Barat Meeting held in Bogor on July 3, 2007 and in accordance
tanggal 3 Juli 2007 di Bogor, sesuai dengan Surat Keputusan with the Decree of Governor of Bank Indonesia. 9/63/KEP.
Gubernur Bank Indonesia No. 9/63/KEP.GBI/2007 tanggal 26 GBI/2007 dated November 26, 2007 the Bank’s name
November 2007 tentang Perubahan Izin Usaha Atas Nama was changed from PT Bank Pembangunan Daerah Jawa
PT Bank Pembangunan Daerah Jawa Barat menjadi Izin Barat to PT Bank Pembangunan Daerah Jawa Barat and
Usaha Atas Nama PT Bank Pembangunan Daerah Jawa Barat Banten in the Business License into Business License on
dan Banten, serta SK Direksi Nomor 1065/SK/DIR-PPN/2007 Behalf of PT Bank Regional Development West Java and
tanggal 29 November 2007, maka nama Perusahaan berubah Banten, and Decree No. 1065/SK/DIR-PPN Directors /2007
menjadi ”PT Bank Pembangunan Daerah Jawa Barat dan dated November 29, 2007, the Bank’s name changed to
Banten” dengan sebutan (call name) “Bank Jabar Banten”. PT Bank Pembangunan Daerah Jawa Barat dan Banten,
renamed “Bank Jabar Banten”.
Spin Off Spin Off

Pemisahan (spin off) Unit Usaha Syariah menjadi Bank Jabar Banten sharia banking unit was spun off and
anak perusahaan yang berdiri sendiri dengan nama became a independent subsidiary called “Bank Jabar Banten
“Bank Jabar Banten Syariah” berdasarkan Keputusan Syariah” based on the business license from Bank Indonesia
Gubernur Bank Indonesia No.12/35/KEP.GBI/2010 and in accordance with the Governor of Bank Indonesia
tertanggal 30 April 2010 tentang Pemberian Izin Usaha Decree No.12/35/KEP.GBI/2010 dated April 30, 2010
PT Bank Jabar Banten Syariah. regarding business license for PT Bank Jabar Banten syariah.
Penambahan Nama dan Call Name “bank bjb” – 2010 Change of Name and Call Name “bank bjb“ – 2007
Berdasarkan Hasil Rapat Umum Pemegang Saham Luar Biasa Based on results of the Extraordinary General Meeting of
(RUPS-LB) PT Bank Pembangunan Daerah Jawa Barat & Shareholders of PT Bank Pembangunan Daerah Jawa Barat
Banten Nomor 26 tanggal 21 April 2010, Surat Bank Indonesia and Banten No. 26 dated April 21, 2010, and in accordance
No.12/78/APBU/Bd tanggal 30 Juni 2010 perihal Rencana with Bank Indonesia Letter no.12/78/APBU/Bd dated June 30,
Perubahan Logo, serta Surat Keputusan Direksi Nomor 1337/ 2010 regarding the planned logo change and the Board of
SK/DIR-PPN/2010 tanggal 5 Juli 2010, maka call name ”Bank Directors Decree No. 1337/SK/DIR-PPN/2010 dated July 5,
Jabar Banten” telah resmi diubah menjadi ”bank bjb” pada UIF#BOLIBTPGmDJBMMZDIBOHFEJUTOBNFJOUPiCBOLbjb”
tanggal 2 Agustus 2010. on August 2, 2010.

Introduction
Management Report
&RPSDQ\3URÀOH
Corporate Data
51
0,/(6721(6
IPO IPO
Berdasarkan Surat dari Ketua Bapepam dan LK No. S-5901/ On June 29, 2010, bank bjb obtained Registration Statement
BL/2010 Pada tanggal 29 Juni 2010 tentang Pemberitahuan from the Chairman of Bapepam and LK based on Letter No.
Efektifnya Pernyataan Pendaftaran Bank Jabar Banten, S-5901/BL/2010 to carry out initial public offering (IPO) of
Perseroan melaksanakan penawaran umum perdana saham. shares.
bank bjb merupakan bank pembangunan daerah pertama bank bjb is a pioneer among regional development banks
yang mencatatkan saham perdananya (IPO) di Bursa BT UIF mSTU UP DPOEVDU BO *10 PO UIF *OEPOFTJBO 4UPDL
Efek Indonesia (BEI) pada tanggal 8 Juli 2010. bank bjb Exchange (IDX) on July 8, 2010. bank bjb offered to the public
menawarkan saham kepada publik sejumlah 2.424.072.500 of 2,424,072,500 Series B shares, (including EMSA) at an
lembar saham Seri B (termasuk EMSA) dengan harga offering price of Rp600 per share with total proceeds from the
penawaran Rp600,- per saham dimana dana yang diperoleh IPO of about Rp1.4 trillion. Shares offered to the public are
dari IPO sekitar Rp1,4 triliun. Pelepasan saham ke masyarakat equivalent to 25% of the total issued and fully paid shares.
ini setara dengan 25% dari jumlah modal ditempatkan dan
disetor penuh.
Dana yang diperoleh dari hasil Penawaran Umum ini The funds from the Offering were used by bank bjb to
dipergunakan oleh bank bjb untuk penguatan modal strengthening the Company’s capital to support loan
perusahaan dalam rangka mendukung ekspansi expansion, especially in the SME sector, expansion of
kredit, terutama sektor UMKM, perluasan jaringan, dan networks and information technology development. Future
pengembangan teknologi informasi. Penawaran Umum bank bjb plans include to focus growth in the SME sector with
Perdana Saham bank bjb memperoleh minat yang relatif the support of existing consumer sectors. bank bjb’s Initial
besar dari investor domestik maupun luar negeri. Dalam Public Offering obtained relatively large interest from both
Penawaran Umum kepada masyarakat tanggal 1, 2 dan 5 Juli domestic and foreign investors. In the Initial Public Offering
2010, permintaan saham bank bjb mengalami oversubscribed of 1, 2 and 5 July 2010, the demand for bank bjb shares was
sebesar 11,2 kali untuk porsi pooling. oversubscribed by 11.2 times in the pooling portion.

Pendahuluan
Laporan Manajemen
3URÀO3HUXVDKDDQ
Data Perusahaan
VISI & MISI

9,6,21 0,66,21
VISI
9,6,21
Menjadi 10 bank terbesar dan berkinerja baik di
Indonesia.
2QHRIWKHODUJHVWEDQNVZLWKKLJKSHUIRUPDQFHLQ,QGRQHVLD
MISI
0,66,21
• Penggerak dan Pendorong Laju Perekonomian
Daerah.
• Melaksanakan Penyimpanan Uang Daerah.
• Salah Satu Sumber Pendapatan Asli Daerah.
3URYLQFLDO(FRQRPLF'ULYHUDQG0RWLYDWRU
3URYLQFLDO'HSRVLWRU\
$6RXUFHRI3URYLQFLDO5HYHQXH
Persetujuan Dewan Komisaris & Direksi 7KH$SSURYDORIWKH%RDUGRI&RPPLVVLRQHUV %RDUG

Visi dan Misi ini telah disetujui dan ditetapkan oleh Dewan of Directors
Komisaris dan Direksi melalui Forum yang diselenggarakan The Vision and mission have been approved and determined
secara khusus untuk membahas hal tersebut. by the Board of Commissioners and Board of Directors through
UIF'PSVNIFMETQFDJmDBMMZUPEJTDVTTUIFNBUUFS
*) Visi dan Misi Perusahaan telah disetujui oleh Dewan Komisaris dan Direksi
The Vision and Mission of the Company has been approved by the Board of Commissioners and Board of Directors

Introduction
Management Report
&RPSDQ\3URÀOH
Corporate Data
53
NILAI-NILAI PERUSAHAAN
&25325$7(9$/8(6
GO S P I R I T
S HUYLFH([FHOOHQFH
P rofessionalism
I ntegrity
R espect
I ntelligence
T rust
Corporate Values Perilaku Utama 0DLQ%HKDYLRU

1. Ramah, tulus, kekeluargaan 1. Pleasant, sincere, friendly
6HUYLFH([FHOOHQFH 2. Selalu memberikan pelayanan prima 2. Providing good services
3. Cepat, Tepat, Akurat 3. Fast, precise, accurate

Professionalism 4. Kompeten dan bertanggung jawab 4. Competent and responsible
5. Memahami dan melaksanakan ketentuan 5. Understanding and implementing company
perusahaan regulation
6. Konsisten, disiplin, dan penuh semangat 6. Consistent, disciplined, and exuberant

IQWHJULW\ 7. Menjaga citra Bank melalui perilaku 7. Developing good ethical behaviour to honour
terpuji dan menjunjung tinggi etika company image
8. Fokus pada nasabah 8. Focus on customer

RHVSHFW 9. Peduli pada lingkungan 9. Love and concern to environment
10. Selalu memberikan solusi yang terbaik 10. Providing best solution
IQWHOOLJHQFH 11. Berkeinginan kuat untuk 11. Have strong desire to develop
mengembangkan diri 12. Love the positive change
12. Menyukai perubahan positif
13. Menumbuhkan transparansi, 13. Maintaining transparency, togetherness, and

7UXVW kebersamaan dan kerja sama yang sehat good relationships
14. Menjaga rahasia bank dan perusahaan 14. Protect and maintaining Bank and company
DPOmEFOUJBMJOGPSNBUJPO

Pendahuluan
Laporan Manajemen
3URÀO3HUXVDKDDQ
Data Perusahaan
BIDANG USAHA
/,1(2)%86,1(66
bank bjb merupakan salah satu Bank Umum milik Pemerintah bank bjb is one of the local government-owned commercial
Daerah di Indonesia yang memiliki nasabah utama berupa banks in Indonesia which serves private customers,
perorangan, karyawan, koperasi, BUMD, BUMN, beserta employees, cooperatives, local enterprises, state enterprises,
institusi lainnya baik pemerintah maupun swasta. along with other institutions both governmental and private.
Sampai 31 Desember 2014, bank bjb memiliki 62 Kantor As of December 31, 2014, bank bjb operated 62 branch
Cabang, 312 Kantor Cabang Pembantu, 318 Kantor Kas, 133 PGmDFT 4VC #SBODI 0GmDFT $BTI 0GmDFT
Payment Point, 11 mobil kas dan 1.191 ATM. Payment Points, 11 Mobile Cash units and 1,191 ATMs.
bank bjb telah memiliki nasabah simpanan sebanyak bank bjb has 4,873,020 depositing customers, consisting
4.873.020 pihak yang terdiri dari 83,35% nasabah ritel, 7,89% of retail customers 83.35%, corporate customers 7.89%,
nasabah korporasi, 0,43% nasabah pemerintah dan nasabah government customers 0.43% and institutional funding 8.32%.
institusional sebesar 8,32%. Selain itu bank bjb juga telah bank bjb has chanelled loans to 454,191 borrowers in the
menyalurkan pinjamannya kepada 454.191 debitur di seluruh its operational areas. Comprising of consumer loan debtors
daerah operasional bank bjb yang terdiri dari 77,16% debitur (77.16%), comercial loans debtors (1.44%), mortgage loan
kredit konsumer, 1,44% debitur kredit komersial, 3,78% debtors 3.78%, and micro credit debtors (17.61%).
debitur kredit KPR dan sebesar 17,61% debitur kredit mikro.
Dalam mencapai visi, misi dan fungsinya, bank bjb melakukan To achieve its vision, mission and functions, bank bjb conducts
kegiatan usaha yang meliputi: the following business activities:
Penghimpunan Dana )XQGLQJ

Penghimpunan dana yang dilakukan diarahkan kepada dana- Committed funding directed towards retail funds/individuals
dana ritel/perorangan disamping mempertahankan nasabah in addition to maintaining corporate customers as well as
korporasi maupun instansi dan departemen terkait. agencies and related departments.
Penghimpunan dana dilakukan melalui produk-produk Fund raising was done through the following products:
sebagai berikut:
Giro Current Account
• bjb Giro Rupiah • Rupiah bjb Current Account
• bjb Giro Valas • Foreign bjb Current Account
Tabungan 6DYLQJV
• Tabungan bjb Tandamata (Tabungan Anda Masa Datang) • Tabungan bjb Tandamata (Tabungan Anda Masa Datang)
• Tabungan bjb Tandamata Gold • Tabungan bjb Tandamata Gold
• Tabungan bjb Tandamata Dollar • Tabungan bjb Tandamata Dollar
• Tabungan bjb Tandamata Bisnis • Tabungan bjb Tandamata Bisnis
• Tabungan bjb Tandamata Berjangka • Tabungan bjb Tandamata Berjangka
• Tabungan bjb Tandamata Purnabhakti • Tabungan bjb Tandamata Purnabhakti
• Simpeda (Simpanan Pembangunan Daerah) • Simpeda (Simpanan Pembangunan Daerah)
• TabunganKu • TabunganKu
• Tabungan bjb Tandamata My First • Tabungan bjb Tandamata My First
Deposito Time Deposits
• bjb Deposito Berjangka • bjb Deposito Berjangka
• bjb Deposito Suka-Suka • bjb Deposito Suka-Suka
• bjb Deposito Valas • bjb Deposito Valas
• bjb Deposito On Call • bjb Deposito On Call
• bjb Deposito Diskonto • bjb Deposito Diskonto

Introduction
Management Report
&RPSDQ\3URÀOH
Corporate Data
55
Penyaluran Dana )XQG'LVWULEXWLRQ

Dalam rangka mendukung program Pemerintah untuk In order to support governments’ programs to improve the
meningkatkan ekonomi kerakyatan, maka penyaluran dana national real economy, the distribution of funds was primarily
lebih diarahkan kepada peningkatan kredit dan pembiayaan BJNFE BU UIF JNQSPWFNFOU PG MPBOT BOE SFUBJM mOBODJOH
ritel yang memberikan multiplier effect kepada seluruh sektor to provide a multiplier effect to the entire small business
usaha kecil, serta penyaluran program kredit kepada debitur- sector and lending programs to supervised debtors whose
debitur binaan yang prospektif dengan tetap mengatur prospective lending complies with incremental consumption
kesesuaian penyaluran kredit konsumtif dan produktif and productive growth. Funds that have not been channelled
secara bertahap. Sedangkan untuk dana-dana yang belum in the form of loans are invested in Marketable Securities,
tersalurkan dalam bentuk kredit, dioptimalkan dalam bentuk UBLJOHJOUPBDDPVOUMJRVJEJUZ QSPmUBCJMJUZBOESJTL
penempatan dana dan pembelian surat berharga dengan
memperhatikan faktor likuiditas, rentabilitas dan risiko.
Penyaluran dana dilakukan melalui produk-produk sebagai Funds are channelled through the following products:
berikut: 1. Commercial Loans
1. Kredit Umum a. bjb General Working Loan (KMKU)
a. bjb Kredit Modal Kerja Umum (KMKU) b. bjb General Investment Loan (KIU)
b. bjb Kredit Investasi Umum (KIU) c. bjb Construction Loan (KMKK)
c. bjb Kredit Modal Kerja Konstruksi (KMKK) d. bjb Main Micro loan
d. bjb Kredit Mikro Utama e. bjb Cinta Rakyat Loan
e. bjb Kredit Cinta Rakyat 2. bjb Resi Gudang Loan
2. bjb Kredit Resi Gudang 3. bjb Guna Bhakti Loan
3. bjb Kredit Guna Bhakti (KGB) 4. bjb Cooperative Employee Loan
4. bjb Kredit Koperasi Karyawan 5. bjb KPR
5. bjb KPR 6. bjb Loan to Cooperative
6. bjb Kredit Kepada Koperasi 7. bjb Food security and energy loans
7. bjb Kredit Ketahanan Pangan dan Energi 8. bjb Syndication Loan
8. bjb Kredit Sindikasi 9. Financing Company
9. Perusahaan Pembiayaan
Selain Penghimpunan dan Penyaluran dana, bank bjb In addition to the Raising and Distributing of funds, bank bjb
melayani jasa-jasa perbankan lainnya seperti: offers other banking services such as:
1. Reksadana 1. Mutual Funds
2. #BODBTTVSBODF 2. Bancassurance
3. 5SBEF'JOBODF4FSWJDFT 3. Trade Finance & Services
4. Produk Treasury 4. Treasury Products
5. Kiriman Uang dan Western Union 5. Remittances and Western Union
6. Inkaso 6. Collection
7. BPDnet Online 7. BPDnet Online
8. bjb DPLK (Dana Pensiun Lembaga Keuangan) 8. bjb DPLK (Pension Fund)
9. Transfer Kliring Antar Wilayah (Intercity Clearing) 9. Inter-Regional Transfer Clearing (Intercity Clearing)
10. Jaminan Bank (Bank Garansi) 10. Guarantee Bank (Bank Guarantee)
11. Fasilitas Safe Deposit Box (SDB) 11. Safe Deposit Box Facilities (SDB)
12. .PCJMF#BOLJOH (M-ATM Bersama) 12. Mobile Banking (M-ATM Bersama)
13. Layanan bjb Precious 13. bjb Precious Priority Service
14. Layanan 8FFLFOE#BOLJOH 14. Weekend Banking Services
15. Layanan Kas Mobil 15. Mobile Cash Service

Pendahuluan
Laporan Manajemen
3URÀO3HUXVDKDDQ
Data Perusahaan
STRUKTUR KEPEMILIKAN
& GRUP PERUSAHAAN
&203$1<2:1(56+,3 *52836758&785(
SKEMA PEMEGANG SAHAM UTAMA & PENGENDALI

6&+(0$7,&',$*5$062)0$,1 &21752//,1*6+$5(+2/'(56
Skema/Diagram tentang Pemegang Saham Utama & Schematic/Diagrams of Major & Controlling
Pengendali, Baik Langsung Maupun Tidak Langsung Shareholders, Whether Directly or Indirectly, to The
VDPSDLNHSDGD3HPLOLN,QGLYLGX 8OWLPDWH,QGLYLGXDO6KDUHKROGHUV
6NHPD3HPHJDQJ6DKDPEDQNbjbSHULRGH'HVHPEHU
bank EME·V Shareholders Structure period December 31, 2014
Pemerintah Pemerintah Pemerintah Pemerintah Lokal Lokal Perorangan Institusi

3URYLQVL-DZD Kota/Kabupaten 3URYLQVL%DQWHQ Kota/Kabupaten Perorangan Institusi Asing Asing
Barat se- Jawa Barat se- Banten
West Java City Government/ Banten City Government/ Individuals Institutions Foreign Foreign
Provincial District of Provincial District of Local Local Individuals Institutions
Government West Java Government Banten
38,26% 23,61% 5,37% 5,17% 7,26% 4,01% 0,04% 13,69%
ANAK PERUSAHAAN
68%6,',$5,(6
bank bjb SYARIAH

PD BPR LPK GARUTKOTA

PD BPR LPK JALANCAGAK


Introduction
Management Report
&RPSDQ\3URÀOH
Corporate Data
57
PT ASURANSI BANGUN ASKRIDA

PD BPR LPK SERANG

PD BPR LPK MALINGPING

PD BPR LPK WARUNGGUNUNG

PD BPR LPK CIPANAS

PERUSAHAAN PD BPR LPK SAKETI

$626,$6,$),/,$6, PD BPR LPK LEUWILIANG

$662&,$7,21$)),/,$7,21 PD BPR LPK CITEUREUP

&203$1<
PD BPR LPK PANCORAN MAS

PD BPR LPK SAWANGAN

PD BPR LPK PARUNGPANJANG

PD BPR LPK WARUNGKONDANG

PD BPR LPK ARAHAN KIDUL

PD BPR LPK KROYA

PD BPR LPK BALONGAN

PD BPR LPK CANTIGI KULON

PD BPR LPK SUKRA

PD BPR LPK BONGAS

PD BPR LPK PANYINGKIRAN

PD BPR LPK CIGASONG

PD BPR LPK CINGAMBUL

PD BPR LPK BANJARAN

PD BPR LPK CIBARUSAH

PD BPR LPK SETU

PD BPR LPK PONDOKGEDE

PD BPR LPK CIBITUNG

PD BPR LPK BEKASI/KRANJI

PD BPR LPK SUKATANI

PD BPR LPK CIPATUJAH

PD BPR LPK BOJONGGAMBIR

PD BPR LPK CIMERAK

PD BPR KERTA RAHARJA


Pendahuluan
Laporan Manajemen
3URÀO3HUXVDKDDQ
Data Perusahaan
'$)7$5(17,7$6$1$.'$1
ENTITAS ASOSIASI
/,6768%6,',$5,(6$1'$662&,$7,21(17,7,(6
Daftar Penyertaan Modal
3HQ\HUWDDQ0RGDO(TXLW\&DSLWDO
Status
Nama Lembaga Bidang Usaha Alamat
No. bank bjb Kepemilikan
Institution Name Line of Business Address
'DODP5LEXDQ5S,Q % Ownership Status
7KRXVDQG5S
BPR
I. KABUPATEN/REGENCY SERANG
1 PD BPR LPK Serang Perbankan/Banking Jl. Maulana Hasanudin No. 148 - Serang 2.400.000 6,63% "mMJBTJ"GmMJBUJPO
SUB JUMLAH 2.400.000 6,63%
II. KABUPATEN/REGENCY LEBAK

Jln. Raden Abas No. 05 Kab. Lebak
1 PD BPR LPK Malingping Perbankan/Banking 210.000 16,03% "mMJBTJ"GmMJBUJPO
Banten
Jl. Raya Rangkasbitung - Pandeglang
2 PD BPR LPK Warunggunung Perbankan/Banking 82.500 5,38% "mMJBTJ"GmMJBUJPO
KM 10
Jl. Raya Cipanas KM 33 Kec. Cipanas
3 PD BPR LPK Cipanas Perbankan/Banking 112.500 6,81% "mMJBTJ"GmMJBUJPO
Kab. Lebak
SUB JUMLAH/SUB TOTAL 405.000
III. KABUPATEN/REGENCY PANDEGLANG

Jl. Raya Malingping No. 20 Saketi
1 PD BPR LPK Saketi Perbankan/Banking 150.000 8,06% "mMJBTJ"GmMJBUJPO
Pandeglang
SUB JUMLAH/SUB TOTAL 150.000 8,06%
IV. KABUPATEN/REGENCY BOGOR
1 PD BPR LPK Leuwiliang Perbankan/Banking Jl. Raya leuwiliang No. 60 Bogor 16640 165.000 4,63% "mMJBTJ"GmMJBUJPO
Jl. Alternatif Puspa Nagara No. 101 -
2 PD BPR LPK Citeureup Perbankan/Banking 165.000 4,63% "mMJBTJ"GmMJBUJPO
Bogor
Jl. Raya Bojong Gede - Citaya, No. 5B Ds.
3 PD BPR LPK Pancoran Mas Perbankan/Banking Rawa Panjang Kec. Bojong Gede Kab. 420.000 10,99% "mMJBTJ"GmMJBUJPO
Bogor 16320
Jl. Abdul Wahab No. 6 Sawangan, Kota
4 PD BPR LPK Sawangan Perbankan/Banking 420.000 10,99% "mMJBTJ"GmMJBUJPO
Depok
Jl. Muhammad Toha No. 78
5 PD BPR LPK Parungpanjang Perbankan/Banking 420.000 10,99% "mMJBTJ"GmMJBUJPO
Parungpanjang, Kabupaten Bogor
SUB JUMLAH/SUB TOTAL 1.590.000
V. KABUPATEN/REGENCY CIANJUR
Jl. Cilaku No.5 Desa Cikaruya
1 PD BPR LPK Warungkondang Perbankan/Banking "mMJBTJ"GmMJBUJPO
Warungkondang Cianjur
VI. KABUPATEN/REGENCY INDRAMAYU
1 PD BPR LPK Arahan Kidul Perbankan/Banking Jl. Raya Arahan No. 358 Indramayu 210.000 10,99% "mMJBTJ"GmMJBUJPO
Jl. Raya Kroya No. 9 Kroya Kab.
2 PD BPR LPK Kroya Perbankan/Banking 210.000 10,99% "mMJBTJ"GmMJBUJPO
Indramayu
3 PD BPR LPK Balongan Perbankan/Banking Jl. Raya Sukaurip No. 30 Kec. Balongan 210.000 10,99% "mMJBTJ"GmMJBUJPO
Jl. Raya Panyingkiran Kidul No. 202
4 PD BPR LPK Cantigi Kulon Perbankan/Banking 210.000 10,99% "mMJBTJ"GmMJBUJPO
Cantigi Kab. Indramayu
Jl. Raya Sukra No. 02, Kec. Sukra, Kab.
5 PD BPR LPK Sukra Perbankan/Banking 210.000 10,99% "mMJBTJ"GmMJBUJPO
Indramayu
Jl. Margomulya No. 99 Bongas Kab.
6 PD BPR LPK Bongas Perbankan/Banking 210.000 10,99% "mMJBTJ"GmMJBUJPO
Indramayu
VII. KABUPATEN/REGENCY MAJALENGKA

Jl. Siliwangi No. 3 Panyingkiran Kabupaten
1 PD BPR LPK Panyingkiran Perbankan/Banking 105.000 8,22% "mMJBTJ"GmMJBUJPO
Majalengka
Jl. Raya Barat No. 42 Cigasong
2 PD BPR LPK Cigasong Perbankan/Banking 117.500 9,38% "mMJBTJ"GmMJBUJPO
Majalengka

Introduction
Management Report
&RPSDQ\3URÀOH
Corporate Data
59
Daftar Penyertaan Modal
3HQ\HUWDDQ0RGDO(TXLW\&DSLWDO
Status
Nama Lembaga Bidang Usaha Alamat
No. bank bjb Kepemilikan
Institution Name Line of Business Address
'DODP5LEXDQ5S,Q % Ownership Status
7KRXVDQG5S
Jl. Raya Cikijing-Ciamis No. 32 cingambul-

3 PD BPR LPK Cingambul Perbankan/Banking 92.500 7,64% "mMJBTJ
Majalengka 45466
Jl. Raya Banjaran No.23 Banjaran
4 PD BPR LPK Banjaran Perbankan/Banking 107.500 8,64% "mMJBTJ
Majalengka 45468
VIII. KABUPATEN/REGENCY BEKASI

Jl. Raya Loji, Komplek Kecamatan
1 PD BPR LPK Cibarusah Perbankan/Banking 165.000 7,28% "mMJBTJ"GmMJBUJPO
Cibarusah
Jl. Raya Setu RT.002/001 No. 49 Desa

2 PD BPR LPK Setu Perbankan/Banking 165.000 7,28% "mMJBTJ"GmMJBUJPO
Lubang Buaya Kec. Setu Bekasi 17322
Jl. Jatiwaringin No. 18 Pondok Gede

3 PD BPR LPK Pondokgede Perbankan/Banking 165.000 7,28% "mMJBTJ"GmMJBUJPO
Bekasi
Jl. Sultan Hasanudin No. 123 Desa
4 PD BPR LPK Cibitung Perbankan/Banking Tambun, Kec. Tambun Selatan - Kab. 165.000 7,28% "mMJBTJ"GmMJBUJPO
Bekasi
5 PD BPR LPK Bekasi/Kranji Perbankan/Banking Harapan Baru II C9-7, Bekasi 165.000 7,28% "mMJBTJ"GmMJBUJPO
Jl. Raya Sukatani No. 41 Kec. Sukatani
6 PD BPR LPK Sukatani Perbankan/Banking 165.000 7,25% "mMJBTJ"GmMJBUJPO
- Bekasi
IX. KABUPATEN/REGENCY SUBANG

Jl. Raya Jalancagak No. 151 - Subang Anak Perusahaan/
1 PD BPR LPK Jalancagak Perbankan/Banking
41281 Subsidiary
X. KABUPATEN/REGENCY GARUT
Anak Perusahaan/
1 PD BPR LPK Garutkota Perbankan/Banking Jl. Pramuka No. 30A Garut
Subsidiary
XI. KABUPATEN/REGENCY TASIKMALAYA

Jl. Raya Cipatujah No. 293 Cipatujah,
1 PD BPR LPK Cipatujah Perbankan/Banking 600.000 7,27% "mMJBTJ"GmMJBUJPO
Tasikmalaya
XII. KABUPATEN/REGENCY CIAMIS

1 PD BPR LPK Cimerak Perbankan/Banking Jl. Raya Ciparanti No. 149 Ciamis 300.000 15,00% "mMJBTJ"GmMJBUJPO
XIII. KABUPATEN/REGENCY TANGERANG

Jl. Raya serang KM 15 No.1 Cikupa
1 PD BPR Kerta Raharja Perbankan/Banking 1.050.000 2,09% "mMJBTJ"GmMJBUJPO
Tangerang
JUMLAH/TOTAL PD BPR LPK 28.171.365
NON BPR
Anak Perusahaan/
1 bank bjb Syariah Perbankan/Banking Jl. Braga No. 135 - Bandung 595.000.000 97,70%
Subsidiary
Pusat Niaga cempaka Mas M I/36,
2 PT ASURANSI BANGUN ASKRIDA Asuransi 20.000.000 10,13% "mMJBTJ"GmMJBUJPO
Jl. Letjen Soeprapto - Jakarta
TOTAL 643.171.365

Pendahuluan
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3URÀO3HUXVDKDDQ
Data Perusahaan
JARINGAN OPERASI & LAYANAN

23(5$7,211(7:25. 6(59,&(6
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bank bjb#SBODI0GmDF
Sumatera Utara | North Sumatera
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Introduction
Management Report
&RPSDQ\3URÀOH
Corporate Data
61
Kalimantan Timur | East Kalimantan

%DOLNSDSDQ %DOLNSDSDQ
Sulawesi Selatan | South Sulawesi

Makassar Makassar
-DZD7LPXU_(DVW-DYD
Surabaya Surabaya

Pendahuluan
Laporan Manajemen
3URÀO3HUXVDKDDQ
Data Perusahaan
STRUKTUR ORGANISASI
25*$1,=$7,216758&785(
RAPAT UMUM
PEMEGANG SAHAM (RUPS)
General Meeting
of Shareholders (GMS)
DIREKTUR UTAMA
President Director
Ahmad Irfan
DIREKTUR KOMERSIAL DIREKTUR KONSUMER DIREKTUR MIKRO

DIREKTUR OPERASIONAL
MANAGING DIRECTOR – COMERCIAL MANAGING DIRECTOR – CONSUMER MANAGING DIRECTOR – MICRO
MANAGING DIRECTOR – OPERATIONAL
SUARTINI )(50,<$17, AGUS GUNAWAN

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Introduction
Management Report
&RPSDQ\3URÀOH
Corporate Data
63
7DXÀHTXUDFKPDQ5XNL
Wawan Ridwan
Muhadi
DEWAN KOMISARIS Achmad Baraba
Board of Commissioners Klemi Subiyantoro
Yayat Sutaryat
Rudhyanto Mooduto
Komite Eksekutif
& Risk Capital
Executive & Risk Capital
Committee
KOMITE AUDIT
Audit Committee
DIREKTUR KEUANGAN DIREKTUR KEPATUHAN DAN
MANAGING DIRECTOR – FINANCE MANAJEMEN RISIKO KOMITE REMUNERASI
MANAGING DIRECTOR – COMPLIANCE & NOMINASI
NIA KANIA AND RISK MANAGEMENT Remuneration & Nomination
Committee
ZAENAL ARIPIN
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Pendahuluan
Laporan Manajemen
3URÀO3HUXVDKDDQ
Data Perusahaan
352),/'(:$1.20,6$5,6
%2$5'2)&200,6,21(56352),/(
Warga Negara Indonesia. Saat ini berusia 69 Indonesian Citizens. Currently 69 years old.
tahun.
Lahir di Rangkasbitung tahun 1946. Born in Rangkasbitung 1946. Completed

Menyelesaikan Pendidikan Sarjana di Fakultas Bachelor of Education in the Faculty of Law,
Hukum Universitas 17 Agustus 1945, Jakarta University of 17 Agustus 1945, in Jakarta in 1987.
pada tahun 1987.
Ditunjuk pertama kali untuk menjabat sebagai "QQPJOUFE GPS IJT mSTU UFSN BT 1SFTJEFOU
Komisaris Utama bank bjb pada tanggal 19 Commissioner bank bjb on December 19, 2014,
Desember 2014, berdasarkan Akta nomor 221 pursuant to Deed number 221 on Resolutions of
tentang Keputusan RUPS-LB. Jabatan lain yang the EGM. Other positions that have or are held,
pernah atau sedang dipegang antara lain: among others:
- Anggota Badan Pemeriksa Keuangan RI - Member of Audit Board of Indonesia
(2009-Mei 2013) (2009 - May 2013 )
- Komisaris Utama PT Krakatau Steel (2008- - Commissioner of PT Krakatau Steel (2008-
2009). 2009).
7DXÀHTXUDFKPDQ5XNL
.RPLVDULV8WDPD
3UHVLGHQW&RPPLVVLRQHU
tahun.
Lahir di Boyolali tahun 1954. Menyelesaikan Born in Boyolali in 1954. Graduated at the Faculty
pendidikan Sarjana di Fakultas Teknik Geodesi of Geodesy Bandung Institute of Technology
Institut Teknologi Bandung pada tahun 1981 in 1981 and a Post-Graduate Education in
dan Pendidikan Pasca Sarjana di bidang Regional and City Planning Bandung Institute of
Perencanaan Wilayah dan Kota Institut Teknologi Technology in 1990.
Bandung pada tahun 1990.
Ditunjuk pertama kali untuk menjabat sebagai "QQPJOUFE GPS IJT mSTU UFSN BT $PNNJTTJPOFS
Komisaris bank bjb pada tahun 2008. Diangkat bank bjb in 2008. Reappointed as Commissioner
kembali sebagai Komisaris pada tahun 2011 in 2011 pursuant to Deed number 76 dated July
berdasarkan Akta No. 76 tanggal 25 Juli 2011. 25, 2011. Other positions that have or are held,
Jabatan lain yang pernah atau sedang dipegang among others:
antara lain: - Provincial Secretary Banten (2008 - Present);
- Sekretaris Daerah Provinsi Banten - Plt. Provincial Secretary of Banten (2008).
(2008-Sekarang);
Muhadi - Plt. Sekretaris Daerah Provinsi Banten (2008).
Komisaris
Commissioner

Introduction
Management Report
&RPSDQ\3URÀOH
Corporate Data
65
tahun.
Lahir di Bandung tahun 1956. Menyelesaikan Born in Bandung in 1956. Completed a Bachelor
Pendidikan Sarjana di Institut Pertanian Bogor, of Education in Bogor Agricultural University,
pada tahun 1981. Kemudian melanjutkan JO $POUJOVJOH FEVDBUJPO JO UIF mFME PG
pendidikan Pasca Sarjana di bidang Manajemen Management Graduate at Bogor Agricultural
di Institut Pertanian Bogor pada tahun 1993. University in 1993 .
Ditunjuk pertama kali untuk menjabat sebagai Appointed as Commissioner bank bjb since
Komisaris bank bjb pada tanggal 19 Desember December 19, 2014, pursuant to the Deed
2014, berdasarkan Akta nomor 221 tentang number 221 on Decision EGM. Other positions
Keputusan RUPS-LB. Jabatan lain yang pernah previously held:
dipegang antara lain: - Assistant for Economic and Development
- Asisten Perekonomian dan Pembangunan Secretariat of West Java (2007);
Setda Jawa Barat (2007); )FBEPG8FTU+BWB1SPWJODJBM'PSFTUSZ0GmDF
- Kepala Dinas Kehutanan Provinsi Jawa Barat (2005).
(2005).
Wawan Ridwan
Komisaris
Commissioner
tahun.
Lahir di Solo tahun 1955. Menyelesaikan Born in Solo in 1955. Graduated at the Faculty
pendidikan Sarjana di Fakultas Ekonomi jurusan of Economics, majoring in Accounting at Gadjah
Akuntansi di Universitas Gadjah Mada tahun Mada University in 1982 and a Master Degree
1982 dan pendidikan Magister Akuntansi di in Accounting at the University of Indonesia in
Universitas Indonesia tahun 2010. 2010.
Jabatan lain yang pernah atau sedang dipegang among others:
antara lain: - Lecturer IBS - LPPI Jakarta (2010 - Present)
- Dosen IBS-LPPI Jakarta (2010-Sekarang) - Faculty of Economics, University of Indonesia
- Dosen Fakultas Ekonomi Universitas (2006 - Present).
Indonesia (2006 - Sekarang).
Achmad Baraba
Komisaris Independen
,QGHSHQGHQW&RPPLVVLRQHU

Pendahuluan
Laporan Manajemen
3URÀO3HUXVDKDDQ
Data Perusahaan
352),/'(:$1.20,6$5,6
tahun.
Lahir di Sukoharjo tahun 1966. Menyelesaikan Born Sukoharjo in 1966. Graduated IV Diploma
pendidikan Diploma IV di Sekolah Tinggi in Accounting College (STAN ) in 1994 , earned
Akuntansi Negara (STAN) tahun 1994, his law degree at the University Krisnadwipayana
meraih gelar Sarjana Hukum di Universitas in 2012 and Master of Management Education
Krisnadwipayana tahun 2012 dan pendidikan Graduate Division of Economic Studies of Human
Pasca Sarjana Magister Manajemen Bidang Resources at the University Krisnadwipayana in
Studi Ekonomi Sumber Daya Manusia di 2012 .
Universitas Krisnadwipayana tahun 2012.
Jabatan yang pernah atau sedang dipegang among others:
antara lain: - Independent Commissioner of PT Adhi Karya
Klemi Subiyantoro - Komisaris Independen PT Adhi Karya (Persero) Tbk (2006-2008);
Komisaris Independen (Persero) Tbk (2006-2008); - Chairman of the Audit Committee of PT Adhi
,QGHSHQGHQW&RPPLVVLRQHU - Ketua Komite Audit PT Adhi Karya Karya (Persero) Tbk (2006-2008).
(Persero) Tbk (2006-2008).
tahun.
Lahir di Jakarta tahun 1955. Menyelesaikan Born in Jakarta in 1955. Completed a Bachelor
Pendidikan Sarjana di Fakultas Ekonomi of Education in the Faculty of Economics
Jurusan Akuntansi Universitas Trisakti Jakarta Department of Accounting University of Trisakti
dan Pendidikan Pasca Sarjana pada bidang and Graduate Education at the Department
Manajemen Jurusan Bisnis Internasional dari of International Business Management from
Georgia State University, Atlanta, Amerika Georgia State University, Atlanta, USA in 1990.
Serikat pada tahun 1990.
Ditunjuk pertama kali untuk menjabat sebagai "QQPJOUFE GPS IJT mSTU UFSN BT *OEFQFOEFOU
Komisaris Independen bank bjb pada tahun Commissioner bank bjb in 2012 pursuant to
2012 berdasarkan Akta No. 130 tanggal 27 Deed number 130 dated September 27, 2012.
September 2012. Jabatan lain yang pernah di Other positions previously held:
pegang antara lain: - President Director of PT Enchantment Prima
- Direktur Utama PT Pesona Prima Utama Utama (October 2011 - present)
(Oktober 2011-sekarang) - President Director of PT Asian Hybrid Seed
Rudhyanto Mooduto - Direktur Utama PT Asian Hybrid Seed Technologies Indonesia (January-December
Komisaris Independen Technologies Indonesia (Januari-Desember 2010).
,QGHSHQGHQW&RPPLVVLRQHU 2010).

Introduction
Management Report
&RPSDQ\3URÀOH
Corporate Data
67
%2$5'2)&200,6,21(56352),/(
tahun.
Lahir di Garut tahun 1952. Menyelesaikan Born in Garut in 1952. Graduated from the
pendidikan di Akademi Fakultas IPPS IKIP Academy of Teachers’ Training College Faculty
Bandung tahun 1980, meraih gelar Sarjana IPPS Bandung in 1980, earned his law degree
Hukum di Universtas Islam Nusantara (UNINUS) in Islamic Universtas Nusantara (UNINUS)
Bandung tahun 1987, dan Pendidikan Pasca Bandung in 1987, and a Post-Graduate
Sarjana di bidang Administrasi Negara &EVDBUJPO JO UIF mFME PG 1VCMJD "ENJOJTUSBUJPO
Universitas Garut (UNIGA) tahun 2000. University of Garut (UNIGA) in 2000.
Ditunjuk pertama kali untuk menjabat sebagai "QQPJOUFE GPS IJT mSTU UFSN BT *OEFQFOEFOU
Komisaris Independen bank bjb pada tahun Commissioner bank bjb in 2011 pursuant to
2011 berdasarkan Akta No. 76 tanggal 25 Juli Deed number 76 dated July 25, 2011. Other
2011. Jabatan lain yang pernah atau sedang positions that have or are held, among others:
dipegang antara lain: - Commissioner of PT Citra Build Aligned
- Komisaris Utama PT Citra Bangun (BUMD) (2010-2011);
Selaras (BUMD) (2010-2011); - Head of the Department of Revenue and
- Kepala Dinas Pendapatan & Pengelolaan Finance Management Bandung District Yayat Sutaryat
Keuangan Daerah Kabupaten Bandung (2007-2010). Komisaris Independen
(2007-2010). ,QGHSHQGHQW&RPPLVVLRQHU

Pendahuluan
Laporan Manajemen
3URÀO3HUXVDKDDQ
Data Perusahaan
352),/',5(.6,
%2$5'2)',5(&7256352),/(
tahun.
Lahir di Palembang tahun 1963. Menjabat Born in Palembang in 1963. He served his
pertama kali sebagai Direktur Utama bank bjb mSTU UFSN BT 1SFTJEFOU %JSFDUPS PG CBOL bjb
sejak tanggal 19 Desember 2014, berdasarkan since December 19, 2014, pursuant to the
Akta nomor 221 tentang Keputusan RUPS-LB. Deed number 221 on Resolutions of the EGM.
Menyelesaikan pendidikan Magister di bidang Graduated with a Master of Law, University of
Hukum, Universitas Padjadjaran Bandung pada Padjadjaran Bandung in 2006.
tahun 2006.
Jabatan lain yang pernah dipegang antara lain: Other positions previously held:
- Direktur Komersial (2014); - Commercial Director (2014);
- Pemimpin Divisi Komersial (2014). - Head of Commercial Division (2014).
Ahmad Irfan
'LUHNWXU8WDPD
3UHVLGHQW'LUHFWRU
tahun.
Lahir di Ciamis tahun 1973. Menjabat pertama #PSOJO$JBNJTJO)FTFSWFEIJTmSTUUFSN

kali sebagai Direktur bank bjb pada tanggal 19 as Director of bank bjb on December 19, 2014,
Desember 2014, berdasarkan Akta nomor 221 pursuant to the Deed number 221 on Resolutions
tentang Keputusan RUPS-LB. Menyelesaikan of the EGM. Graduated with a BA in Economics
pendidikan Sarjana di bidang Ekonomi dari from the University of Pasundan, Bandung, in
Universitas Pasundan, Bandung, pada tahun 2007.
2007.
- PT Bank BTPN Tbk (sejak 2008-2014) dengan - PT Bank BTPN Tbk (since 2008-2014) with
jabatan terakhir Distribution Head UMK dan last position Distribution Head MSE, Senior
pangkat Senior Vice President; Vice President;
- PT Bank Danamon Indonesia Tbk (sejak - PT Bank Danamon Indonesia Tbk (since 1997-
1997-2008) dengan jabatan terakhir sebagai 2008) as the Cluster Manager SEMM Bandung
Cluster Manager SEMM Bandung Area 3 dan "SFBXJUIPGmDF"TT7JDF1SFTJEFOU
Agus Gunawan pangkat Ass. Vice President.
'LUHNWXU0LNUR
0DQDJLQJ'LUHFWRU²0LFUR

Introduction
Management Report
&RPSDQ\3URÀOH
Corporate Data
69
tahun.
Lahir di Bandung tahun 1968. Menjabat pertama #PSOJO#BOEVOHJO4IFTFSWFEGPSIFSmSTU

kali sebagai Direktur bank bjb sejak tanggal 19 term as Director of bank bjb since December
Desember 2014, berdasarkan Akta nomor 221 19, 2014, pursuant to the Deed number
tentang Keputusan RUPS-LB. Menyelesaikan 221 on Resolutions of the EGM. Graduated
pendidikan Sarjana di Universitas Padjadjaran, with a bachelor’s degree at the University of
Bandung pada tahun 1993. Padjadjaran, Bandung in 1993 .
Jabatan lain yang pernah di pegang antara lain: Other positions previously held:
- Pemimpin Divisi Kredit Konsumer bank bjb - Head of Consumer Credit Division bank bjb
(2012-2014) (2012-2014)
- Pemimpin Divisi Konsumer bank bjb - Head of Consumer Division bank bjb
(September 2012 - Desember 2012). (September 2012 - December 2012).
Suartini
'LUHNWXU.RPHUVLDO
0DQDJLQJ'LUHFWRU²&RPPHUFLDO
tahun.
Lahir di Jakarta tahun 1963. Menjabat pertama #PSOJO+BLBSUBJO4IFTFSWFEIFSmSTUUJNF

kali sebagai Direktur bank bjb sejak tanggal 19 as Director of bank bjb since December 19, 2014,
Desember 2014, berdasarkan Akta nomor 221 pursuant to Deed number 221 on Resolutions of
tentang Keputusan RUPS-LB. Menyelesaikan the EGM. Graduated with a bachelor’s degree
pendidikan Sarjana di bidang Sosial Ekonomi in Social Economics of Agriculture from the
Pertanian dari Institut Pertanian, Bogor, tahun Institute of Agriculture, Bogor, 1988.
1988.
Jabatan lain yang pernah dipegang antara lain: Other positions once held by, among others :
- Pemimpin Divisi KPR & Mortgage bank bjb - Head of Mortgage & Mortgage Division bank
(2012-2014); bjb (2012-2014);
- Pemimpin Divisi Card Center & Electronic - Head of Card Center & Electronic Banking
Banking bank bjb (2011-2012). Division bank bjb (2011-2012).
)HUPL\DQWL
'LUHNWXU.RQVXPHU
0DQDJLQJ'LUHFWRU²&RQVXPHU

Pendahuluan
Laporan Manajemen
3URÀO3HUXVDKDDQ
Data Perusahaan
352),/',5(.6,
tahun.
Lahir di Garut tahun 1969. Menjabat pertama #PSO JO (BSVU JO )F TFSWFE IJT mSTU UFSN
kali sebagai Direktur bank bjb sejak tahun 2011. as Director of bank bjb since 2011. Graduated
Menyelesaikan pendidikan Doktor di bidang with doctoral degree in Economics from the
Ekonomi dari Universitas Padjadjaran, Bandung University of Padjadjaran, Bandung in 2006.
pada tahun 2006.
- Pemimpin Divisi Perencanaan Strategis bank - Head of Strategic Planning Division bank bjb
bjb (2010-2011); (2010-2011);
$IBJSNBOPGUIF.BOBHFNFOU0GmDF1SPHSBN
,FUVB 1SPHSBN .BOBHFNFOU 0GmDF
(2009-2010).
2010).
Zaenal Aripin
'LUHNWXU.HSDWXKDQGDQ0DQDMHPHQ5LVLNR
0DQDJLQJ'LUHFWRU²&RPSOLDQFHDQG5LVN
0DQDJHPHQW
tahun.
Lahir di Bandung tahun 1966. Menjabat pertama #PSO JO #BOEVOH JO 4IF TFSWFE IFS mSTU
kali sebagai Direktur bank bjb sejak tanggal 19 term as Director of bank bjb since December
Desember 2014, berdasarkan Akta nomor 221 19, 2014, pursuant to Deed number 221 on
tentang Keputusan RUPS-LB. Menyelesaikan Resolutions of the EGM. Graduated with a
pendidikan Sarjana di bidang Ekonomi bachelor’s degree in Economics, Padjadjaran
Universitas Padjadjaran, Bandung pada tahun University, Bandung in 1990.
1990.
- Pemimpin Divisi Jaringan dan Layanan bank - Head of Network and Services Division bank
bjb (Juli 2014 - Desember 2014) bjb (July 2014 - December 2014)
- Direktur Dana Pensiun bank bjb (Februari - The Pension Fund Director bank bjb
2014 - Juli 2014). (February 2014 - July 2014).
Nia Kania
'LUHNWXU.HXDQJDQ
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Introduction
Management Report
&RPSDQ\3URÀOH
Corporate Data
71
%2$5'2)',5(&7256352),/(
tahun.
Lahir di Cirebon tahun 1967. Menjabat pertama #PSOJO$JSFCPOJO)FTFSWFEIJTmSTUUFSN

kali sebagai Direktur bank bjb tanggal 19 as Director of bank bjb since December 19,
Desember 2014, berdasarkan Akta nomor 221 2014, pursuant to Deed number 221 on
tentang Keputusan RUPS-LB. Menyelesaikan Resolutions of the EGM. Graduated with a Master
pendidikan Magister di bidang Manajemen of Financial Management at the International
Keuangan di Internasional University of Stirling, University of Stirling, UK in 2000, and in the
Inggris pada tahun 2000, dan di bidang mFME PG 'JOBODJBM .BOBHFNFOU BU UIF 6OJWFSTJUB
Manajemen Keuangan di Universita Gadjah Gadjah Mada, Yogyakarta in 2001.
Mada, Yogyakarta pada tahun 2001.
- Direktur Keuangan Bank DKI (2010-2014) - Finance Director of Bank DKI (2010-2014)
- Direktur Kepatuhan Bank DKI (2010-2011). - Compliance Director of Bank DKI (2010-2011).
Benny Santoso
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Pendahuluan
Laporan Manajemen
3URÀO3HUXVDKDDQ
Data Perusahaan
352),/ .20326,6,.$5<$:$1
352),/( (03/2<((&20326,7,21
Jumlah Karyawan Berdasarkan Level Jabatan

Total of Employees based on Position Level
Jenjang Manajemen 2010 2011 2012 2013 2014 0DQDJHPHQW/HYHO
Manajemen Puncak 20 20 30 35 30 Top Management
Manajemen Madya 120 160 209 211 218 Senior Management
Manajemen Lini 544 824 1.235 1.448 1.677 Junior Management
Staf dan Lainnya 1.364 1.117 3.407 4.701 5.096 Staff and Others
Jumlah 2.048 2.121 4.881 6.395 7.021 Total
Jumlah Karyawan Berdasarkan Usia

Total of Employees based on Age
Jenjang Usia 2010 2011 2012 2013 2014 $JH/HYHO
18-30 tahun 983 992 3.662 4.838 5.494 18-30 Years
31-40 tahun 574 621 716 1.026 1.023 31-40 Years
41-50 tahun 444 455 448 447 429 41-50 Years
Lebih dari 50 tahun 47 53 55 84 75 Above 50 Years
Jumlah 2.048 2.121 4.881 6.395 7.021 Total
Jumlah Karyawan Berdasarkan Pendidikan

Total of Employees based on Education Level
Jenjang Pendidikan 2010 2011 2012 2013 2014 (GXFDWLRQDO/HYHO
S3 5 4 3 2 2 Doctoral
Pasca Sarjana S2 188 193 250 252 282 Post Graduate
Sarjana dan Sederajat 1.532 1.621 3.600 4.842 5.341 Undergraduate
Diploma 260 249 996 1.269 1.376 Diploma
Sekolah Lanjutan Tingkat Atas dan Sederajat 58 48 28 27 17 Senior High School
Sekolah Menengah Tingkat Pertama 2 1 1 1 1 Junior High School
Sekolah Dasar 7 5 3 2 2 Elementary School
Jumlah 2.052 2.121 4.881 6.395 7.021 Total
Jumlah Karyawan Berdasarkan Status

Total of Employees based on Status Level
Status 2010 2011 2012 2013 2014 Status
Tetap 1.532 1.979 2.115 3.086 5.655 Permanent
Calon Pegawai 516 142 2.766 3.309 1.366 Prospective
Jumlah 2.048 2.121 4.881 6.395 7.021 Total
Jumlah karyawan berdasarkan Direktorat (Grade)

Total of Employees based on Grading Level
Grade 2010 2011 2012 2013 2014 *UDGLQJ/HYHO
G1 - G3 * * 2.571 4.117 4784 G1 - G3
G4 - G5 * * 834 584 304 G4 - G5
G6 - G7 * * 316 547 774 G6 - G7
G8 - G9 * * 480 425 405 G8 - G9
G10 - G11 * * 440 476 502 G10 - G11
G12 - G13 * * 132 134 119 G12 - G13
G14 - G16 * * 78 77 103 G14 - G16
G17 - G18 * * 7 9 6 G17 - G18
G19 - G20 * * 23 26 24 G19 - G20
Jumlah - - 4.881 6.395 7.021 Total
Jumlah karyawan berdasarkan Masa Kerja

Total of Employees based on Working Period
Masa Kerja 2010 2011 2012 2013 2014 Working Period
0 - 5 tahun 1.069 1.207 3.930 5.397 5.822 0 - 5 years
6 - 10 tahun 345 339 305 296 521 6 - 10 years
11 - 15 tahun 172 168 285 347 343 11 - 15 years
16 - 25 tahun 336 319 291 281 248 16 - 25 years
> 25 tahun 126 88 70 74 87 > 25 years
Jumlah 2.048 2.121 4.881 6.395 7.021 Total

Introduction
Management Report
&RPSDQ\3URÀOH
Corporate Data
73
-XPODK.DU\DZDQ -XPODK.DU\DZDQ
%HUGDVDUNDQ/HYHO-DEDWDQ %HUGDVDUNDQ/HYHO-DEDWDQ
Total of Employees based on Position Level Total of Employees based on Position Level
0,43% 3,10%
5.096
Manajemen Puncak Manajemen Puncak

23,89% Top Management Top Management
72,58% Manajemen Madya

Senior Management
Manajemen Madya
Senior Management
Manajemen Lini 1.677 Manajemen Lini
Junior Management Junior Management
Staf dan Lainnya 218 Staf dan Lainnya
Staff and Others 30 Staff and Others
%HUGDVDUNDQUsia %HUGDVDUNDQUsia
Total of Employees based on Age Total of Employees based on Age
14,57%
5.494
18-30 Tahun/Years 18-30 Tahun/Years
78,25% 6,11% 31-40 Tahun/Years 31-40 Tahun/Years

1,07%
41-50 Tahun/Years 41-50 Tahun/Years
1.023
Lebih dari 50 Tahun/ 429 Lebih dari 50 Tahun/
Above 50 Years 75 Above 50 Years
%HUGDVDUNDQ6WDWXV %HUGDVDUNDQ6WDWXV
Total of Employees based on Status Level Total of Employees based on Status Level
5.655
19,46%
80,54%
Tetap Tetap
1.366
Permanent Permanent
Calon Pegawai Calon Pegawai

Prospective Prospective

Pendahuluan
Laporan Manajemen
3URÀO3HUXVDKDDQ
Data Perusahaan
/(0%$*$3(181-$1*()(.
6833257,1*6(&85,7<,167,787,216
Biro Administrasi Efek The Security Administration Bureau

Biro Administrasi Efek (BAE), PT Bank Pembangunan Daerah (BAE), PT Bank Pembangunan Daerah Jawa Barat dan Banten
Jawa Barat dan Banten Tbk. (bank bjb) telah menunjuk Tbk (bank bjb) has appointed PT Datindo Entrycom as the
PT Datindo Entrycom sebagai BAE. Hal tersebut tertuang Security Administration Bureau (BAE), as stated in Article II
pada Pasal Ke II (dua) Akta Perubahan III Perjanjian (two) of Amendment III of the Agreement on the Management
Pengelolaan Administrasi Saham Penawaran Umum PT Bank of the Administration of Public Offering Shares of PT Bank
Pembangunan Daerah Jawa Barat dan Banten Tbk No. 78. Pembangunan Daerah Jawa Barat dan Banten Tbk No. 78.
Akta tersebut ditandatangani pada tanggal 25 Juni 2010 oleh This amendment was signed in June 25, 2010 by Bapak
Bapak Tatang Sumarna selaku Direktur Dana dan Jasa bank Tatang Sumarna as Director of the Fund and Services of bank
bjb, Bapak Dadang Agus Suryanto selaku Direktur Operasi bjb, Bapak Dadang Agus Suryanto as Director of Operations
bank bjb keduanya mewakili bank bjb, dan Nyonya Ester of bank bjb, both as representatives of bank bjb, and Ibu
Agung Setiawati sebagai pemegang kuasa dari Tuan Sastra Ester Agung Setiawati as assignee of Bapak Sastra Sukamto
Sukamto selaku Direktur PT Datindo Entrycom. Adapun biaya as the Director of PT Datindo Entrycom. The costs incurred in
yang dikeluarkan sehubungan dengan jasa PT Datindo connection with the services of PT Datindo Entrycom for the
Entrycom selama tahun 2014 yang meliputi jasa konsultan year 2014 which included consulting services is Rp60.000.000
pada RUPS Tahunan 2014 (tahun buku 2013), RUPSLB 2014 (Sixty million Rupiah).
(1), RUPSLB (2) berkisar adalah Rp60.000.000 (Enam puluh
juta rupiah).
PT Datindo Entrycom PT Datindo Entrycom

Puri Datindo Wisma Sudirman Puri Datindo Wisma Sudirman
Jl. Jend. Sudirman Kav. 34-35 Jakarta 10210 Jl. Jend. Sudirman Kav. 34-35 Jakarta 10210
Tel : (62-21) 570 9009 Tel : (62-21) 570 9009
Fax : (62-21) 570 9026 Fax : (62-21) 570 9026
Akuntan Independen Independent Accountant

Berdasarkan hasil keputusan RUPS bank bjb dan telah Based on the results of the AGM and published in accordance
dipublikasikan sesuai Surat Direksi Nomor 154/DIR-CS/2014 to the Directors Letter No. 154/DIR-CS/2014, the Bank
menetapkan Akuntan Publik yang akan melakukan Audit EFUFSNJOFE&SOTU:PVOHBGmMJBUFEXJUIUIF1VCMJD"DDPVOUJOH
Laporan Keuangan bank bjb untuk tahun buku 2014 adalah Firm Purwantono Suherman & Surja to perform audit to the
&SOTU:PVOHZBOHCFSBmMJBTJEFOHBO,BOUPS"VEJUPS1VCMJL #BOLT'JOBODJBM4UBUFNFOUTGPSUIFmOBODJBMZFBS
Purwantono Suherman & Surja
Ernst & Young Ernst & Young

KAP Purwantono Suherman & Surja KAP Purwantono Suherman & Surja
The Indonesian Stock Exchange Building The Indonesian Stock Exchange Building
Tower II, Lantai 7 Tower II, 7th Floor
Jl. Jend. Sudirman Kav. 52-53 Jakarta 12190 Jl. Jend. Sudirman Kav. 52-53 Jakarta 12190
Tel : (62-21) 5289 5000 Tel : (62-21) 5289 5000
Fax : (62-21) 5289 4747, 5289 4600 Fax : (62-21) 5289 4747, 5289 4600

Introduction
Management Report
&RPSDQ\3URÀOH
Corporate Data
75
Pemeringkat Efek Securities Rating Agency

Sesuai dengan keputusan dari PT Pemeringkat Efek Indonesia In accordance with the decision of PT Pemeringkat Efek
(PEFINDO) yang dicantumkan pada surat No. 1827/PEF-Dir/ Indonesia (PEFINDO) issued with the letter No. 1827/PEF-
XI/2014 pada tanggal 6 November 2014, menetapkan bahwa Dir/XI/2014 dated November 6, 2014, stipulates bank bjb
bank bjb berada pada rating idAA- (%PVCMF".JOVT/FHBUJWF occupies the rating idAA- (Double A Minus; Negative Outlook)
Outlook) untuk periode 5 November 2014 sampai dengan 1 for the period November 5, 2014 to November 1, 2015. The
/PWFNCFS 1FSJOHLBU JE"" NFNJMJLJ EFmOJTJ CBIXB idAA rating means that the obligor has little distinction with
obligor memiliki sedikit perbedan dengan peringkat tertinggi the highest rank given, and has a very strong ability to meet
yang diberikan, dan memiliki kemampuan yang sangat MPOHUFSN mOBODJBM DPNNJUNFOUT SFMBUJWF DPNQBSFE UP PUIFS
kuat untuk memenuhi komitmen keuangan jangka panjang Indonesian obligors. The minus sign (-) indicates that the
relatif dibandingkan terhadap obligor Indonesia lainnya. ratings given is relatively weak and below the average for the
%FmOJTJ UBOEB LVSBOH
NFOVOKVLBO CBIXB QFSJOHLBU ZBOH category in question. The cost incurred related to the Bank’s
diberikan relatif lemah dan di bawah rata-rata kategori yang rating is Rp165.000.000 (One Hundred Sixty-Five Million
bersangkutan. Biaya yang dikeluarkan sehubungan dengan Rupiah).
pemeringkatan bank bjb adalah sebesar Rp165.000.000,-
(Seratus Enam Puluh Lima Juta Rupiah).
373HPHULQJNDW(IHN,QGRQHVLD3HÀQGR 373HPHULQJNDW(IHN,QGRQHVLD3HÀQGR

Setiabudi Atrium, Lantai 8 Suite 809-810 Setiabudi Atrium, 8th Floor Suite 809-810
Jl. H.R. Rasuna Said Kav. 62, Kuningan, Jakarta 12920 Jl. H.R. Rasuna Said Kav. 62, Kuningan, Jakarta 12920
Tel : (62-21) 521 0077 Tel : (62-21) 521 0077
Fax : (62-21) 521 0078 Fax : (62-21) 521 0078

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
Ikhtisar Saham
& Obligasi

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
77
• Ikhtisar Saham & Obligasi 78

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Pendahuluan
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Data Perusahaan
%BUB1FSVTBIBBO
Ikhtisar Saham
& Obligasi
Harga dan Volume Saham BJBR di BEI 2012-2014

2012-2014 BJBR Share Price and Volume st IDX
Rp Volume Price Volume
-XWD0LOOLRQ8QLW
1.400 1200
1.300
1000
1.200
800
1.100
Rp/share
1.000 600
900
400
800
200
700
600 0
2
4
12
13
14
4
12
13
14
4
12
13
14
4
12
12
13
13
14
14
4
2
4
-1
-1
-1
-1
-1
-1
-1
-1
-1
-1
-1
-1
-1
r-1
-1
r-1
-1
r-1
-1
l-1
l-1
l-1
g-
g-
g-
p-
p-
p-
b-
b-
b-
n-
n-
n-
n-
n-
n-
ay
ay
ay
ec
ec
ec
ov
ov
ov
ar
ar
ar
ar
ct
ct
ct
Ap
Ap
Ap
Ju
Ju
Ju
Au
Au
Au
Se
Se
Se
Ja
Fe
Ju
Ja
Fe
Ju
Ja
Fe
Ju
M
O
M
M
N
N
D
D
Informasi Kinerja Saham Triwulanan 2011-2014
2011-2014 Quarterly Share Performance
Tahun 7ULZXODQ,4 7ULZXODQ,,4 7ULZXODQ,,,4 7ULZXODQ,94 Year
Tertinggi Highest
2014 1.100 1.175 895 815 2014
2013 1.290 1.300 1.230 960 2013
2012 1.150 900 1.130 1.160 2012
2011 1.490 1.410 1.260 1.070 2011
Terendah Lowest
2014 815 820 790 720 2014
2013 1.060 1.100 740 810 2013
2012 1.180 800 880 990 2012
2011 1.090 1.130 780 760 2011
Penutupan Close
2014 1.045 825 795 730 2014
2013 1.290 1.180 900 890 2013
2012 1.110 920 1.100 1.060 2012
2011 1.270 1.190 900 910 2011
Volume Peredaran di Pasar Reguler Outstanding Shares Volume in Regular Market

(dalam ribuan unit) (in thousands unit)
2014 847.774 1.202.031 1.182.971 507.429 2014
2013 1.322.673 884.544 661.018 469.155 2013
2012 1.094.563 807.639 461.301 528.595 2012
2011 3.655.178 2.455.427 1.024.516 1.006.642 2011
Kapitalisasi Pasar Market Capitalization
(dalam juta Rupiah) (in million Rupiah)
2014 885.923.830 991.675.575 940.461.945 370.423.170 2014
2013 1.706.248.170 1.043.761.920 594.916.200 441.577.950 2013
2012 1.214.964.930 743.027.880 507.431.100 560.310.700 2012
2011 4.642.076.060 2.921.958.130 922.064.400 916.044.220 2011
bank bjb /DSRUDQ7DKXQDQ2014

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
79
,1)250$6,%$*,,19(6725
,1)250$7,21)25,19(67256
Ikhtisar Obligasi
Bond Highlight
Tingkat Bunga per Tanggal Efektif
Seri Nominal (Rp juta) Jangka Peringkat Jatuh Tempo/
No Obligasi Bond tahun/Interest per Bapepam/
Series Rp million Waktu/Period Rating Due Date
year (%) Effective Date
Obligasi VII bank bjb Tahun 2011 Seri B/B Series Rp601.000,- 10,20 5 tahun/year idAA- 31-01-2011 09-02-2016
1
Bond VII bank bjb Year 2011
Seri C/C Series Rp1.123.000,- 10,40 7 tahun/year idAA- 31-01-2011 09-02-2018
Komposisi saham per akhir Desember 2014, Pemerintah Share composition as at end of December, 2014, were that
Jawa Barat dan Banten memiliki saham seri A dan sedangkan governments in West Java and Banten owned Series A shares
lainnya merupakan saham seri B yang dikeluarkan kepada while the remaining Series B shares were issued to the public
publik pada tanggal 8 Juli 2010 melalui Initial Public Offering on July 8, 2010 through the Initial Public Offering (IPO).
(IPO).
Struktur pemegang saham bank bjb terdiri dari Pemerintah The structure of the bank bjb shareholders consists of
Provinsi Jawa Barat, Pemerintah Provinsi Banten, Pemerintah the Government of West Java Province, the Government of Banten
Kota/Kabupaten se-Jawa Barat, Pemerintah Kota/Kabupaten Province; governments of cities and counties (regencies) of West
se-Banten yang memiliki seluruh saham seri A, sedangkan Java Province; and governments of cities and counties (regencies)
seri B merupakan saham yang dilepas ke publik. Saham of Banten Province holding Series A shares, while 25% of all shares
seri A dan seri B memiliki hak, namun demikian pemegang are Series B shares and were released to the public. Series A shares
saham seri A tetap memiliki fungsi kontrol yang kuat dalam hal and Series B have rights; however, shareholders of Series A have
pengangkatan/pemberhentian Dewan Komisaris dan Direksi, control functions in terms of appointment/dismissal of members
perubahan Anggaran Dasar, penggabungan, peleburan dan of the Boards of Commissioners and Directors, amendments to
pengambilalihan serta pembubaran dan likuidasi Perusahaan. the Articles of Association, mergers, consolidations & acquisitions,
and dissolution or liquidation of the Company.
Saham seri A adalah saham yang tidak aktif diperdagangkan Series A Shares are not actively traded (owned by
(dimiliki oleh Pemda), sedangkan saham seri B adalah saham governments), while B Series shares are actively traded on
yang aktif diperdagangkan di bursa (GSFF nPBU). Pemegang UIF TUPDL NBSLFU GSFF nPBU
0XOFST PG " 4FSJFT TIBSFT BSF
saham seri A dapat membeli saham seri B, namun pemegang allowed to buy Series B shares while Series B shareholders are
saham seri B tidak bisa membeli saham seri A sebelum not allowed to buy A Series shares before getting approval at
mendapat persetujuan dari RUPS mengenai pelepasan the General Meeting of Shareholders for releasing any Series
saham seri A. A shares.
Saham seri B diperjualbelikan sesuai harga pasarnya yang Series B shares are traded according to market price volatility.
bersifat volatil.
Kronologis IPO 2010 Chronology of IPO In 2010

Hari Rabu tanggal 21 April 2010 pukul 14.05 di Ballroom IPO meeting on Wednesday April 21, 2010, 14:05 in Ballroom
Hotel Hilton Bandung, Jl. HOS. Tjokroaminoto No. 41-43 Hotel Hilton Bandung, Jl. HOS. Tjokroaminoto No. 41-43,
Bandung 40172. Bandung 40172
Berdasarkan Akta Keputusan Rapat Umum Pemegang Saham Based on Resolution the Extraordinary General Meeting of
Luar Biasa PT Bank Pembangunan Daerah Jawa Barat dan Shareholders of PT Bank Pembangunan Daerah Jawa Barat
Banten, Tbk. Nomor 26 tanggal 21 April 2010 yang telah and Banten, Tbk. No. 26 dated April 21, 2010 which was
diberitahukan dengan Keputusan Menteri Hukum dan Hak OPUJmFEUPUIF.JOJTUSZPG+VTUJDFBOE)VNBO3JHIUPG3FQVCMJD
bank bjb $QQXDO5HSRUW 2014

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
Data Perusahaan
%BUB1FSVTBIBBO
,1)250$6,%$*,,19(6725
Asasi Manusia Republik Indonesia sebagaimana dimaksud PG*OEPOFTJBBTFWJEFODFECZMFUUFSPGPGmDJBMSFDFJQU/P")6

dalam Surat Penerimaan Pemberitahuan Nomor: AHU- AH.01.10.10983 dated May 6, 2010, decided:
AH.01.10-10983 tanggal 6 Mei 2010, dalam RUPS telah
diputus:
a) Dengan suara bulat secara musyawarah untuk mufakat a) Unanimously by deliberation decided to approve the re-
memutuskan menyetujui dijadwalkan kembali proses IPO scheduling of the 2010 IPO process
pada tahun 2010 b) Article 5 stipulates, among others, shares of bank bjb
b) Pasal 5 mengatur antara lain Saham bank bjb terdiri dari consists of Series A Shares (only owned by the Central
Saham Seri A (yang Khusus dimiliki Pemerintah Pusat, Government, Provincial Governments, City, and Regency)
Pemerintah Propinsi, Kota dan Kabupaten) dan Saham and Series B Shares (can be owned by the Board of
Seri B (yang dapat dimiliki oleh Direksi, Dewan Komisaris, Directors, the Board of Commissioners, employees of
Karyawan bank bjb, masyarakat dan pemerintah) bank bjb, the public and the government). Holders of
Pemegang saham seri A dan B mempunyai hak yang Series A and Series B shares have the same rights.
sama. c ) The shares composition of all issued shares is 100%
c) Komposisi besaran modal untuk seluruh saham yang with the provision that the maximum limit of the Series B is
ditempatkan adalah 100% dengan ketentuan batas 40% and the rest are Series A shares.
maksimum saham seri B adalah 40% dan selebihnya
merupakan saham seri A.
Laporan Penggunaan Dana Hasil Penawaran Umum

Use of Initial Public Offering Funds Report
Nilai Realisasi Hasil Penawaran Umum Rencana Penggunaan Dana Menurut Prospektus Realisasi Penggunaan Dana
$FWXDO8VHRI)XQGV 3ODQQHG8VHRI)XQGV$FFRUGLQJWRWKH3URVSHFWXV $FWXDO8VHRI)XQGV Sisa Dana
Jenis Hasil
Penawaran Umum Jumlah Hasil Biaya Ekspansi Ekspansi Ekspansi Ekspansi Penawaran
Tanggal
No. Public Offering Penawaran Penawaran Ekspansi Jaringan Teknologi Ekspansi Jaringan Teknologi Umum
Efektif
Type Umum Umum Hasil Bersih Kredit Kantor Informasi Total Kredit Kantor Informasi Jumlah 5HPDLQLQJ
(IIHFWLYH
Amount Cost of Net Result Expansion of Expansion Expansion of 7RWDO Expansion of Expansion Expansion of 7RWDO Proceeds From
Date
of Public Public Loan RI%UDQFK ,QIRUPDWLRQ Loan RI%UDQFK ,QIRUPDWLRQ 3XEOLF2IIHULQJ
Offering Offering 1HWZRUN 7HFKQRORJ\ 1HWZRUN 7HFKQRORJ\
1 Penawaran Umum 8 Juli 2010 1.454.444 25.003 1.429.441 1.143.553 142.944 142.944 1.429.441 1.143.553 142.944 91.260 1.377.756 51.684
(IPO) Public Offering
Persentase/Percentage 80% 10% 10% 100% 80% 10% 6,38% 96,38% 3,62%
Jumlah/Total 1.454.444 25.003 1.429.441 1.143.553 142.944 142.944 1.429.441 1.143.553 142.944 91.260 1.377.756 51.684
*) Biaya Penawaran Umum telah disesuaikan berdasarkan biaya emisi yang telah diaudit oleh Kantor Akuntan Publik Doli, Bambang, Sudarmandji, dan Dadang
*) Public Offering costs have been adjusted based on the cost emissions that have been audited by Public Accounting Firm Doli, Bambang, Sudarmandji and Dadang
Kronologis Pencatatan Saham Chronological Listing of Shares

Dicatat dengan kode BJBR Recorded with code BJBR
a. Dimulai dengan pernyataan Efektif Bapepam dan LK pada a. Starting with the statement CMFISA Effective on June 29,
tanggal 29 Juni 2010. 2010.
b. Harga ditetapkan di Rp600,- per lembar. b. Prices are set at Rp600,- per share.
c. Listing pada tanggal 8 Juli 2010 dan langsung mengalami c. Listing on July 8, 2010 and immediately experienced
auto reject menjadi Rp900,- auto reject to Rp900,-
Obligasi bank bjb yang Masih Beredar The bank bonds bjb Still Circulating
1. Obligasi VII bank bjb Tahun 2011 dengan jumlah pokok 1. Bonds VII bjb banks in 2011 with the principal amount of
obligasi sebesar Rp1.724.000.000.000,- (satu triliun tujuh Rp1,724,000,000,000,- (one billion seven hundred and
ratus dua puluh empat miliar Rupiah). Peringkat idAA- dari twenty- four billion Rupiah). IdAA- of Valuation, consisting
1FmOEP UFSEJSJEBSJ of:
• Seri B dengan nilai nominal sebesar • Series B with a nominal value of Rp601 billion,- (six
Rp601.000.000.000,- (enam ratus satu miliar Rupiah). hundred and one billion rupiah). These bonds have a
Obligasi ini memiliki tingkat bunga tetap sebesar

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
81
,1)250$7,21)25,19(67256
10,20% per tahun yang akan jatuh tempo pada tanggal mYFEJOUFSFTUSBUFPGQFSBOOVNBOEXJMMNBUVSF
9 Februari 2016. on February 9, 2016.
• Seri C dengan nilai nominal sebesar • Series C with a nominal value of Rp1,123,000,000,000,-
Rp1.123.000.000.000,- (satu triliun seratus dua puluh (one billion one hundred and twenty-three billion
tiga miliar Rupiah). Obligasi ini memiliki tingkat bunga SVQJBI
5IFTF CPOET IBWF B mYFE JOUFSFTU SBUF PG
tetap sebesar 10,40% per tahun yang akan jatuh 10.40% per annum and will mature on February 9,
tempo pada tanggal 9 Februari 2018. 2018.
Tingkat Bunga Tanggal

Nominal
Obligasi Seri per tahun Jangka Peringkat Efektif Jatuh Tempo
(Rp juta)
Bond Series Interest per year Waktu/Period Rating Bapepam/ Due Date
Rp million
(%) effective Date
Obligasi VII bank bjb Seri B Rp 601.000,- 10,20 5 tahun/year idAA- 31-01-2011 09-02-2016
Tahun 2011 B Series
Bond VII bank bjb Year 2011
Seri C Rp1.123.000,- 10,40 7 tahun/year idAA- 31-01-2011 09-02-2018
C Series
Aksi Korporasi Corporate Actions

bank bjb merencanakan akan menerbitkan kembali saham/ bank bjb plans to reissue shares/perform rights issue in 2016
right issue yang akan dilaksanakan pada tahun 2016 dengan and begin its preparation in 2015. This was recorded in the
memulai persiapan di tahun 2015. Hal ini tercatat pada RAB Company’s 2014 Budget Plan.
Perseroan tahun 2014.
Ikhtisar Program Kepemilikan Saham oleh Karyawan 2YHUYLHZ RI WKH (PSOR\HH DQGRU 0DQDJHPHQW 6WRFN
dan/atau Manajemen (ESOP/MSOP) Ownership Program (ESOP/MSOP)
bank bjb pada tahun 2010 melakukan aksi korporasi berupa In 2010 bank bjb performed corporate action in the form
IPO (Initial Public Offering). bank bjb mengeluarkan kebijakan of IPO (Initial Public Offering). BJB issued a policy the
pada karyawannya untuk memiliki sejumlah saham dari employees’ ownership of the Bank’s shares. As agreed by
bank bjb dengan nama program EMSA (Employee and the management, the allocation of shares for employees is
Management Stock Alocation) sebagaimana yang disepakati 10% of the total shares offered to the public or as much as
oleh manajemen bahwa alokasi jumlah saham untuk karyawan 2,424,072,500 shares. The number of shares offered to the
adalah sebanyak 10% dari jumlah saham yang ditawarkan ke public (Series B) is 25% of the Bank’s total shares with 75%
publik atau sebanyak 2.424.072.500 lembar saham. owned by shareholders series A or provincial, city and district
governments of West Java and Banten.
Berdasarkan hasil penawaran awal (bookbuilding), jumlah Based on the results of the initial offering (bookbuilding), the
pemesanan saham EMSA yang disampaikan oleh seluruh number of EMSA shares booked by the employees of BJB are
karyawan bank bjb adalah sebesar Rp46.360.200.000,00 Rp46,360,200,000.00 or 3.2% of the total shares offered to the
atau 3,2% dari jumlah saham yang ditawarkan ke publik. public.
Program EMSA tersebut memiliki jangka waktu maksimal 6 The EMSA program has a maximum period of 6 months where
Bulan dengan persyaratan yang berhak mengikuti program employees eligible for this program are permanent employees
ini adalah karyawan tetap bank bjb dengan excercise price of bank bjb with an exercise price of Rp600, -
Rp600,-

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
Data Perusahaan
%BUB1FSVTBIBBO
,1)250$6,%$*,,19(6725
Komposisi Kepemilikan Saham Per Desember Composition of share ownership as of December,

2014 2014
Sebelum Penawaran Umum / Before Public Offering Sesudah Penawaran Umum / After Public Offering
Nilai Nominal Rp 250,00 per saham
1RPLQDO9DOXH5SSHUVKDUH
Pemegang Saham % Shareholder
Jumlah Saham Nilai (Rp) % Jumlah Saham Nilai (Rp)
Total Share Value (Rp) Total Share Value (Rp)
Modal Dasar Basic Capital
Seri A 9.600.000.000 9.600.000.000 A Series
Seri B 6.400.000.000 6.400.000.000 B Series
Jumlah Modal Dasar 16.000.000.000 16.000.000.000 Total Basic Capital
Seri A A Series
Pemerintah Provinsi 3.709.994.733 51,02% 3.709.994.733 38,26% West Java Provincial
Jawa Barat Government
Pemerintah Kota Kabupaten 2.289.395.681 31,48% 2.289.395.681 23,61% West Java Local Governments
Se-Jawa Barat
Pemerintah Provinsi Banten 520.589.856 7,16% 520.589.856 5,37% Banten Provincial
Government
Pemerintah Kota Kabupaten 752.238.396 10,34% 752.238.396 7,76% Banten Local Goverments
Se-Banten
Total Saham Seri A 7.272.218.666 100,00% 7.272.218.666 75,00% Total Shares Series A
Seri B B Series
Umum - - 2.393.470.000 24,68% Public
Karyawan dan Manajemen - - 30.602.500 0,32% Employees and Management
(Program EMSA)
Total Saham Seri B - - 2.424.072.500 25,00% Total Shares Series B
Jumlah Modal - - 9.696.291.166 100,00% Issued and Fully Paid
Ditempatkan dan Disetor Capital
Penuh
Jumlah Saham dalam Portepel 8.727.781.334 6.303.708.834 Total Shares in Portepel
Seri A 2.327.781.334 2.327.781.334 Series A
Seri B 6.400.000.000 3.975.927.500 Series B
Jumlah Saham % Kepemilikan

No. Pemegang Saham Shareholders
1XPEHURI6KDUHV 6KDUH2ZQHUVKLS
Des-14 (%)
A Pemerintah Propinsi Jawa Barat 3.709.994.733,00 38,26% Provincial Government of West Java
B Pemerintah Kota & Kab. se - Jawa Barat 2.289.395.681,00 23,61% Municipal Government - West Java
Pemerintah Kota se - Jawa Barat 570.876.956,00 5,89% City Government - West Java
1 Kota Bandung 116.000.006,00 1,20% Bandung City
2 Kota Cirebon 17.039.629,00 0,18% Cirebon City
3 Kota Sukabumi 36.820.520,00 0,38% Sukabumi City
4 Kota Bekasi 59.697.024,00 0,62% Bekasi City
5 Kota Bogor 46.737.809,00 0,48% Bogor City
6 Kota Cimahi 104.000.000,00 1,07% Cimahi City
7 Kota Depok 89.581.968,00 0,92% Depok City
8 Kota Tasikmalaya 60.000.000,00 0,62% Tasikmalaya City
9 Kota Banjar 41.000.000,00 0,42% Banjar City

Introduction
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$PNQBOZ1SPmMF
Corporate Data
83
,1)250$7,21)25,19(67256

1XPEHURI6KDUHV 6KDUH2ZQHUVKLS
Pemerintah Kabupaten se - Jawa Barat 1.718.518.725,00 17,72% Municipal Government - West Java
1 Kabupaten Bandung 680.906.967,00 7,02% Bandung Regency
2 Kabupaten Cirebon 53.609.080,00 0,55% Cirebon Regency
3 Kabupaten Karawang 54.318.644,00 0,56% Karawang Regency
4 Kabupaten Ciamis 32.721.097,00 0,34% Ciamis Regency
5 Kabupaten Tasikmalaya Tasikmalaya Regency
6 Kabupaten Sukabumi Kabupaten Sukabumi
7 Kabupaten Subang Kabupaten Subang
8 Kabupaten Indramayu Kabupaten Indramayu
9 Kabupaten Bekasi Kabupaten Bekasi
10 Kabupaten Sumedang Kabupaten Sumedang
11 Kabupaten Bogor Kabupaten Bogor
12 Kabupaten Cianjur Kabupaten Cianjur
13 Kabupaten Kuningan Kabupaten Kuningan
14 Kabupaten Majalengka Kabupaten Majalengka
15 Kabupaten Garut Kabupaten Garut
16 Kabupaten Purwakarta Kabupaten Purwakarta
C Pemerintah Propinsi Banten Provincial Government of Banten
' Pemerintah Kota & Kab. se - Banten Municipal Government - Banten
Pemerintah Kota se - Banten City Government - Banten
1 Kota Tangerang Tangerang City
2 Kota Cilegon Cilegon City
Pemerintah Kabupaten se - Banten Regency Government - Banten
1 Kabupaten Serang Serang Regency
2 Kabupaten Tangerang Tangerang Regency
3 Kabupaten Lebak Lebak Regency
4 Kabupaten Pandeglang Pandeglang Regency
Total Saham yang Dimiliki Pemda Total Shares Held by Local Governments
Total Saham yang Dimiliki Publik Total Shares Held by Public
TOTAL TOTAL

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
Data Perusahaan
%BUB1FSVTBIBBO
,1)250$6,%$*,,19(6725
Penitipan Kolektif di Lembaga Penyimpanan dan &ROOHFWLYH &XVWRG\ DW WKH 'HSRVLWRU\ DQG
Penyelesaian Settlement Institution
Number of Shares % Share Ownership
A Serie A Serie A
1 Pemda Kota Bandung 116.000.006 1,20% Bandung Municipal Government
2 Pemda Kota Cirebon 17.039.629 0,18% Cirebon Municipal Government
3 Pemda Kota Bekasi 59.697.024 0,62% Bekasi Municipal Government
4 Pemda Kota Cimahi 104.000.000 1,07% Cimahi Municipal Government
5 Pemda Kota Banjar 41.000.000 0,42% Banjar Municipal Government
6 Pemda Kabupaten Tasikmalaya 130.953.800 1,35% Tasikmalaya Regency Government
7 Pemda Kabupaten Sukabumi 83.000.000 0,86% Sukabumi Regency Government
8 Pemda Kabupaten Subang 42.926.558 0,44% Subang Regency Government
9 Pemda Kabupaten Cianjur 102.416.760 1,06% Cianjur Regency Government
10 Pemda Kabupaten Kuningan 27.508.120 0,28% Kuningan Regency Government
11 Pemda Kabupaten Majalengka 35.462.669 0,37% Majalengka Regency Government
12 Pemda Kabupaten Garut 26.366.698 0,27% Garut Regency Government
13 Pemda Kabupaten Tangerang 289.306.189 2,98% Tangerang Regency Government
14 Pemda Kabupaten Pandeglang 105.218.408 1,09% Pandeglang Regency Government
15 Pemda Kabupaten Bekasi 73.550.504 0,76% Bekasi Regency Government
16 Pemda Kabupaten Indramayu 84.047.907 0,87% Indramayu Regency Government
17 Pemda Kabupaten Ciamis 32.721.097 0,34% Ciamis Regency Government
18 Pemda Kabupaten Bogor 193.458.066 2,00% Bogor Regency Government
19 Pemda Kabupaten Karawang 543.18.644 0,56% Karawang Regency Government
Jumlah 1.618.992.079 16,72% Total
B Seri B B Series
1 Publik 2.424.072.500,00 25% Public
Laporan Bulanan Kepemilikan Saham Emiten Monthly Report of Shareholding of Issuer or

atau Perusahaan Publik dan Rekapitulasi yang 3XEOLF &RPSDQ\ DQG 5HFDSLWXODWLRQ ZKLFK KDYH
telah dilaporkan been reported
Berdasarkan Surat Keterangan No. DE/I/2015-0235 memenuhi #BTFEPOUIF$FSUJmDBUF/P%&*$PNQMZJOHUPUIF
ketentuan pasal 4 ayat 1 Peraturan Menteri Keuangan No. provisions of Article 4 paragraph 1 of the Regulation of the
283/PMK 03/2008 tanggal 30 Desember 2008 tentang Tata Minister of Finance No. 283/PMK 03/2008 dated 30 December
Cara Pelaksanaan dan Pengawasan Pemberian Penurunan 2008 on the Implementation and Monitoring of Provision of
Tarif Bagi Wajib Pajak Badan Dalam Negeri yang Berbentuk Reduction for Domestic Corporate Taxpayers in the Form of a
Perseroan Terbuka. Bersama ini PT Datyndo Entrycom selaku Publicly Listed Company. Herewith PT Datyndo Entrycom as
Biro Administrasi Efek yang melaksanakan administrasi the Share Registrar that carries out the administration of shares
kepemilikan saham pada PT Bank Pembangunan Daerah of PT Bank Pembangunan Daerah Jawa Barat dan Banten,
Jawa Barat dan Banten, Tbk berdasarkan Akte No 78 tanggal Tbk based on the Deed No. 78 dated 25 June 2010 Share
25 Juni 2010 Perjanjian Pengelola Administrasi Saham yang Registrar Agreement made before Fathiah Helmi, Bachelor
dibuat dihadapan Fathiah Helmi, Sarjana Hukum Notaris di of Law Notary in Jakarta explained that shareownership data
Jakarta menerangkan bahwa data kepemilikan saham PT Bank of PT Bank Pembangunan Daerah Jawa Barat dan Banten,
Pembangunan Daerah Jawa Barat dan Banten, Tbk untuk Tbk for 2014 is in accordance to the Monthly Report of
Tahun 2014 sesuai dengan Laporan Bulanan Kepemilikan Shareholding of Issuer or Public Company and Recapitulation
Saham Emiten atau Perusahaan Publik dan Rekapitulasi yang that have been reported (Form No. X.H.1-6) dated 5 January
telah dilaporkan (Formulir No. X.H.1-6) tertanggal 5 Januari 2015.
2015.

Introduction
Management Report
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Corporate Data
85
,1)250$7,21)25,19(67256
Dengan demikian Laporan Bulanan Kepemilikan Saham Therefore the Monthly Report of Shareholding of Issuer or
Emiten atau Perusahaan Publik Rekapitulasi dan yang Public Company Recapitulation and that have been reported
telah dilaporkan (Formulir No. X.H.1-2) terlampir dapat (Form No. X.H.1-2) attached can be used to apply for a
dipergunakan untuk mengajukan permohonan penurunan tax reduction to relevant authorities if the share ownership
tarif pajak kepada instansi yang berwenang apabila data data meets the requirements referred to by the Indonesian
kepemilikan saham memenuhi persyaratan sebagaimana Government Regulation No. 77 of 2013 yo Finance Minister
dimaksud oleh Peraturan Pemerintah Republik Indonesia Regulation No. 238/PMK.03/2008 dated 30 December 2008
No. 77 Tahun 2013 yo Peraturan Menteri Keuangan No. on the Implementation Procedure and Supervision of Tariff
238/PMK.03/2008 tanggal 30 Desember 2008 tentang Tata Provision for Domestic Corporate Taxpayer in the Form of a
cara pelaksanaan dan Pengawasan Pemberian Tarif Bagi Publicly Listed Company.
Wajib Pajak Badan Dalam Negeri yang berbentuk Perseroan
Terbuka.
Jumlah Hari
Yang Memenuhi Syarat
Posisi Akhir Bulan | Position End of Month
Number of Days
Eligible
Modal | Capital Kepemilikan 5% | Ownership 5% Kepemilikan < 5% | Ownership < 5% Total
Dasar Disetor Jumlah Jumlah % sampai
Bulan Jumlah %
(Jumlah Saham) (Jumlah Saham) Pemegang Pemegang Jumlah Saham Kepemilikan Bulan Ini dengan
Month Saham Kepemilikan This Month Bulan ini
Basic Paid-up Saham Saham 1XPEHURI Saham
Number of Saham Total until
(Number of (Number of Number Number 6KDUHV Shareowner-
Shares Shareownership This Month
Shares) Shares) shareholders shareholders ship
Januari/January 16.000.000.000 9.696.291.166 3 4.911.491.556 50,65 8.207 4.784.799.610 49,35 0 0
Februari/February 16.000.000.000 9.696.291.166 3 4.911.491.556 50,65 7.811 4.784.799.610 49,35 0 0
Maret/March 16.000.000.000 9.696.291.166 3 4.911.491.556 50,65 8.724 4.784.799.610 49,35 0 0
April/April 16.000.000.000 9.696.291.166 3 4.911.491.556 50,65 9.782 4.784.799.610 49,35 0 0
Mei/May 16.000.000.000 9.696.291.166 3 4.911.491.556 50,65 11.018 4.784.799.610 49,35 0 0
Juni/June 16.000.000.000 9.696.291.166 3 4.911.491.556 50,65 10.956 4.784.799.610 49,35 12 12
Juli/July 16.000.000.000 9.696.291.166 3 4.911.491.556 50,65 10.928 4.784.799.610 49,35 31 43
Agustus/August 16.000.000.000 9.696.291.166 3 4.911.491.556 50,65 10.994 4.784.799.610 49,35 31 74
September/September 16.000.000.000 9.696.291.166 3 4.911.491.556 50,65 10.838 4.784.799.610 49,35 30 104
Oktober/October 16.000.000.000 9.696.291.166 3 4.911.491.556 50,65 10.839 4.784.799.610 49,35 31 135
November/November 16.000.000.000 9.696.291.166 3 4.911.491.556 50,65 10.656 4.784.799.610 49,35 30 165
Desember/December 16.000.000.000 9.696.291.166 3 4.911.491.556 50,65 10.765 4.784.799.610 49,35 31 196
Sesuai dengan PP No 77 yang ditetapkan tanggal 21 November 2013 Syarat untuk memperoleh penurunan Tarif Pajak Penghasilan adalah sebagai berikut :
1. Paling Sedikit 40% dari saham disetor, dicatatkan di BEI dan masuk dalam penitipan kolektif di Lembaga Penitipan dan Penyelesaian
2. Saham sebagaimana dimaksud harus dimiliki oleh paling sedikit 300 pihak dan masing-masing pihak hanya dapat memiliki saham kurang dari 5% dari saham disetor serta harus dipenuhi dalam waktu paling
sedikit 183 hari kalender dalam 1 tahun Pajak
In accordance with Regulation No. 77, which was stipulated on 21 November 2013, Requirements to obtain a reduction in Income Tax Rates are as follows:
1. At least 40% of the paid up capital, listed on BEI and included in collective custody in a Custody and Settlement Institution
4IBSFTSFGSFFETIBMMCFPXOFECZBUMFBTUQBSUJFTBOEFBDIQBSUZDBOPOMZIBWFMFTTUIBOTIBSFTPGUIFQBJEVQDBQJUBMBOETIBMMCFGVMmMMFEXJUIJODBMFOEBSEBZTJO5BYZFBS
.RPSRVLVL6DKDP .RPSRVLVL6DKDP
3HPHULQWDK'DHUDKGDQ3XEOLN /RNDOGDQ$VLQJ
Share Composition of Local Government and Public Share Composition of Domestic and Foreign
25% 13,72%
75% 86,27%
Lokal Lokal
Domestic Domestic
Asing Asing
Foreign Foreign

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
Data Perusahaan
%BUB1FSVTBIBBO
,1)250$6,%$*,,19(6725
Jumlah Pemegang Saham Jumlah Saham % Pemilikan

Status Pemilik Ownership Status
1XPEHURI6KDUHKROGHUV 1XPEHURI6KDUHV 2ZQHUVKLS
Pemodal Nasional 1DWLRQDO,QYHVWRUV
Perorangan Indonesia 9.930 682.933.150 7,04 Individuals, Domestic
Pemerintah Daerah 33 7.272.218.666 75,00 Local Governments
Karyawan 431 21.459.000 0,22 Employees
Koperasi 2 9.239.500 0,09 Cooperatives
Yayasan 9 14.190.800 0,14 Foundations
Dana Pensiun 77 169.802.100 1,75 Pension Funds
Asuransi 11 63.194.400 0,65 Insurance
Perseroan Terbatas 69 1.653.818.798 17,05 Limited Companies
Reksa Dana 30 97.461.746 1,00 Mutual Funds
Sub Total 8.262.312.478 85,21 Sub Total
Pemodal Asing )RUHLJQ,QYHVWRUV
Perorangan Asing 36 3.669.100 0,03 Individuals, Foreign
Badan Usaha Asing 159 1.327.295.776 13,68 Institutions, Foreign
Sub Total 195 1.330.964.876 13,72 Sub Total
JUMLAH 10.768 9.696.291.166 100,00 TOTAL
.HELMDNDQ3HPEDJLDQ'LYLGHQ 'LYLGHQG3ROLF\
Berdasarkan Anggaran Dasar PT Bank Pembangunan Under the Articles of Association of PT Bank Pembangunan
Daerah Jawa Barat dan Banten, Tbk. jumlah dividen Daerah Jawa Barat dan Banten, Tbk. the amount of dividend
yang dibagikan yang berasal dari laba bersih yang GSPN OFU JODPNF XIJDI BNPVOU TQFDJmFE JO UIF EFDJTJPO PG
besarannya ditetapkan dalam keputusan RUPS Tahunan the Annual GMS with regards to the applicable legislations.
dengan memperhatikan peraturan perundang-undangan 5IFEFDJTJPOUPQBZEJWJEFOETEFQFOETPOFBSOJOHT mOBODJBM
yang berlaku. Keputusan untuk membayarkan dividen conditions, liquidity, compliance the with laws and regulations
tergantung pada laba, kondisi keuangan, likuiditas and other factors deemed relevant by the Board of Directors
kepatuhan terhadap peraturan perundang-undangan of bank bjb after obtaining the approval of the GMS.
dan faktor-faktor lain yang dianggap relevan oleh Direksi bank
bjb setelah memperoleh persetujuan RUPS.
Berdasarkan hasil keputusan RUPS Tahunan Tahun Buku Based on the results of the 2013 Fiscal Year Annual GMS
2013 yang diselenggarakan pada tanggal 26 Maret 2014 lalu, which was held on 26 March 2014, the amount of dividends
jumlah dividen yang dibagikan tahun 2014 adalah sebesar to be distributed in 2014 amounted to 55% of the Net Income
55% dari Laba Bersih Tahun Buku 2013. Adapun dividen tunai of the 2013 Fiscal Year. The cash dividend per share for the
Tahun Buku 2013 per saham Rp78,1 (tujuh puluh delapan mOBODJBMZFBSJT3Q TFWFOUZFJHIUDPNBPOFSVQJBI

koma satu rupiah) dibagikan dengan jadwal dan tata cara to be distributed with the following schedule and procedures:
sebagai berikut:
Jadwal Pembayaran Dividen Tunai Tahun Buku 2014

bank bjb’s Cash Dividend and Dividend Payout Ratio in 2014
Keterangan Pasar/Market Tanggal/Date Description
Akhir periode perdagangan saham dengan hak dividen Pasar Reguler dan 16 April 2014 End of period stock with dividend rights (cum dividend)
(cum dividen) Negosiasi
Pasar Tunai 22 April 2014
Awal periode perdagangan saham tanpa hak dividen Pasar Reguler dan 17 April 2014 Beginning of period stock trading without dividend rights (ex
(ex dividen) Negosiasi dividend)
Pasar Tunai 23 April 2014
Tanggal Daftar Pemegang Saham Yang berhak atas 22 April 2014 Date List of Shareholders entitled to dividend (record date)
dividen (recording date)
Tanggal Pembayaran Dividen Tunai 7 Mei 2014 Cash Dividend Payment Date
Tanggal Pendistribusian Bukti Pemotongan Pajak 21 Mei 2014 Evidence Distribution Date Dividend Withholding Tax
Dividen Tunai

Introduction
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Corporate Data
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Dividen yang telah dibayarkan oleh bank bjb dan Dividen of Payout Ratio
selama 7 tahun terakhir
bank bjb’s Cash Dividend and Dividend Payout Ratio in last 7 years
Tahun Buku | Fiscal Year Pemerintah/Government Publik/Public Total Payout Ratio
2013 567.960.277.815 189.320.062.250 757.280.340.065 55,00%
2012 497.883.069.805 165.960.996.659 663.844.066.464 56,00%
2011 444.129.883.759 148.043.270.849 592.173.154.608 62,50%
2010 433.958.178.660 144.652.703.027 578.610.881.686 65,00%
2009 472.737.308.935 - 472.737.308.935 66,67%
2008 370.485.343.964 - 370.485.343.964 68,33%
2007 282.181.817.666 - 282.181.817.666 76,13%
Kepemilikan Pemegang Saham Share Ownership
Kepemilikan Saham yang Mencapai > 5% per Desember 2014

Share Ownership More Than 5% as of December, 2014
Nominal
%
Saham Harga Penutupan
No Nama Kepemilikan Name
Share (Rp 250) Closing Price Shareownership
(Rp 730)
1 Pemda Provinsi Jawa Barat 3.709.994.733 2.708.296.155.090 West Java Provincial Government
2 Pemda Kabupaten Bandung 680.906.967 497.062.085.910 Bandung Regency Government
3 Pemda Provinsi Banten 520.589.856 380.030.594.880 Banten Provincial Government
Kepemilikan Saham Komisaris dan Direksi per Desember 2014

Share Ownership by Board of Commissioners and Board of Directors as of December, 2014
Nominal
%
No Nama Kepemilikan Name
(Rp 730)
1 MUHADI 2.341.500 585.375.000 1.709.295.000 0,024 MUHADI
2 SUARTINI 5.000 1.250.000 3.650.000 0,000 SUARTINI
Kepemilikan Saham < 5% per Desember 2014

Share Ownership Less Than 5% as of December, 2014
Nominal
%
Jumlah Pemegang Saham Kepemilikan Number of Shareholders
(Rp 730)
10.768 4.784.799.610 1.196.199.902.500 3.492.903.715.300 49,35 10.768

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
Data Perusahaan
%BUB1FSVTBIBBO
,1)250$6,%$*,,19(6725
+XEXQJDQ,QYHVWRU ,QYHVWRU5HODWLRQV
Hubungan Investor (IR) adalah tanggung jawab manajemen Investor Relations (IR) is a strategic management responsibility
strategis yang mengintegrasikan keuangan, komunikasi, UIBU JOUFHSBUFT mOBODF DPNNVOJDBUJPO NBSLFUJOH BOE MFHBM
pemasaran dan kepatuhan hukum selain memungkinkan compliance in addition to allowing two-way communication
komunikasi dua arah antara perusahaan, masyarakat dan between companies, communities and other constituencies.
konstituen lain. Dibentuk sejak Juli tahun 2010, Grup Hubungan Formed in July 2010, the Coordinator of the Investor Relations
Investor yang merupakan bagian dari Divisi Corporate Group, which is part of the Bank’s Corporate Secretary Division,
Secretary bank bjb telah menjadi jembatan antara manajemen is a bridge between Bank management and investors. Bank
bank bjb dengan investor dan analis dalam memperoleh bjb seeks to enhance corporate transparency and disclosure
informasi tentang bank bjb. bank bjb berupaya untuk through the function of Investor Relations. In connection with
meningkatkan transparansi dan pengungkapan perusahaan the implementation of GCG and the principles of openness
melalui fungsi Hubungan Investor. Berkaitan dengan and transparency on all material Company activities, Investor
penerapan GCG dan prinsip keterbukaan serta transparansi Relations strives to provide good information quickly,
terhadap seluruh aktivitas perusahaan terutama yang bersifat accurately and timely for better understanding of Company
material, Hubungan Investor berusaha memberikan yang performance and in terms of investment decisions.
terbaik bagi pengguna informasi secara cepat, akurat dan
tepat waktu yang berdampak pada pemahaman yang lebih
baik akan kinerja perusahaan serta dalam hal pengambilan
keputusan berinvestasi.
Grup Hubungan Investor memperkenalkan bank bjb kepada The Investor Relations Group introduces bank bjb to local
komunitas pasar modal dengan melakukan rangkaian markets by conducting communication sessions with
komunikasi dengan para pemegang saham. Untuk shareholders. To apply the principles of openness and
menerapkan prinsip keterbukaan dan transparansi terhadap transparency of all material Company activities, the Investor
setiap aktivitas Perusahaan terutama yang bersifat material, Relations Group conveys information in a timely and balanced
Grup Hubungan Investor menyampaikan informasi secara way through various communication channels such as email,
tepat waktu dan seimbang melalui berbagai sarana komunikasi XFCTJUFT BOE DPOGFSFODF DBMMT 5P GVMmM UIF PCMJHBUJPOT PG
seperti email, situs web dan conference call. Untuk memenuhi disclosing information to the public, Investor Relations is
kewajiban keterbukaan informasi kepada Publik, hubungan always doing both routine and incidental reporting to Indonesia
investor senantiasa melakukan pelaporan baik rutin maupun Financial Services Authority (FSA) and the Indonesia Stock
insidental kepada Otoritas Jasa Keuangan (OJK) dan Bursa Exchange as capital market authorities. In addition, forums
Efek Indonesia sebagai Otoritas Pasar Modal. Selain itu, with analysts and investors through public meetings, analyst
juga dilakukan forum-forum pertemuan dengan analis dan meetings, conference calls, analyst visits, on-site visits,
investor melalui pertemuan publik, temu analis, conference participation in conferences and non-deal road shows are
call, kunjungan analis, kunjungan lapangan, partisipasi dalam conducted.
konferensi, non deal roadshow.
Kegiatan Hubungan Investor selama tahun 2014

Investor Relations Activities during 2014
Instansi Periode Institutions
OJK (Otoritas Jasa Keuangan) dahulu Bapepam-LK 46 FSA/Financial Services Authority formerly Bapepam-LK
BEI 83 Indonesia Stock Exchange
Temu Analis/Investor pada $POGFSFODF$PSQPSBUF%BZ 28 Analyst Meeting/Conference/Corporate Day
Temu Analis/Investor (one on one) 38 (one on one) Analyst Meeting
Conference Call 7 Conference Call
Site Visit 4 Site Visit
RUPS 4 GMS
Public Expose 1 Public Expose
Laporan Tahunan 1 Annual Report
Analyst Meeting 4 Analyst Meeting
Temu Investor pada /PO%FBM3PBETIPX 28 Investor Meeting on Non Deal Roadshow

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
89
,1)250$7,21)25,19(67256
$QDOLV&RYHUDJH &RYHUDJH$QDO\VW

Pendahuluan
Laporan Manajemen
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Analisa &
Pembahasan atas
Kinerja Perseroan
TINJAUAN RENCANA, KEBIJAKAN DAN STRATEGI 92 • Korporasi & Komersial 136
PENGEMBANGAN USAHA Corporate & Commercial
REVIEW OF BUSINESS DEVELOPMENT PLAN, POLICY
AND STRATEGY • Mikro 144
Micro
TINJAUAN BISNIS & INDUSTRI 100
BUSINESS & INDUSTRY REVIEW • Internasional & Treasuri 154
International & Treasury
• Konsumer 110
Consumer • KPR & Mortgage 168
Mortgage & Financial Housing
• bjb Precious 128
bjb Precious

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
91
• Tinjauan Kinerja Anak Perusahaan 180 • Ikatan Material untuk Investasi Barang Modal 229
Subsidiary Performance Review Material Commitments for Investment in Capital Goods
• Bisnis Syariah 180 • Perubahan Penting yang Terjadi di Bank 230

Sharia Business Material Changes that Occured in the Bank
• PD BPR LPK Garut Kota 184 • Informasi dan Fakta Material yang Terjadi Setelah 231
PD BPR LPK Garut Kota Tanggal Laporan Akuntan
Material Fact and Information Subsequent to Reporting Date
• PD BPR LPK Jalancagak 188
PD BPR LPK Jalancagak • Program Kepemilikan Saham oleh Karyawan dan Manajemen 232
Employee and Management Stock Ownership Program
• Rencana Terhadap Anak Perusahaan dan Perusahaan 191
Asosiasi Ke Depan/The Future Plan for Subsidiaries • Penggunaan Dana Penawaran Umum 233
and Associated Companies Utilization of Public Offering Funds
• Aspek Pemasaran 192 • Informasi Transaksi Material yang Mengandung 233

Marketing Aspect Benturan Kepentingan
,QIRUPDWLRQRQ0DWHULDO7UDQVDFWLRQZLWK&RQÁLFWVRI,QWHUHVW
TINJAUAN KEUANGAN 202
FINANCIAL REVIEW • Perubahan Peraturan Perundang-undangan dan Dampaknya 237
Changes in the Legislations and the Impacts
• Perekonomian Indonesia Tahun 2014 203
Indonesian Economy in 2014 • Prospek Usaha 240
Business Prospects
• Kinerja Umum 2014 206
General Performance in 2014 TINJAUAN PENDUKUNG BISNIS 248
SUPPORTING BUSINESS REVIEW
• Tinjauan Laba Rugi 208
3URÀW/RVV5HYLHZ • Sumber Daya Manusia 250
Human Resources
• Informasi Keuangan Material Lainnya 225
Other Material Financial Information • Teknologi Informasi 292
Information Technology
• Kebijakan atas Struktur Modal 226
Policy on Capital Structure MANAJEMEN RISIKO 316
RISK MANAGEMENT

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TINJAUAN RENCANA, KEBIJAKAN DAN

STRATEGI PENGEMBANGAN USAHA
REVIEW OF BUSINESS DEVELOPMENT PLAN,
POLICY AND STRATEGY
RENCANA 2014 2014 PLAN
PT Bank Pembangunan Daerah Jawa Barat dan Banten Tbk PT Bank Pembangunan Daerah Jawa Barat dan Banten Tbk
(bank bjb) telah menetapkan rencana strategis perusahaan (bank bjb
IBT TFU UIF $PNQBOZT TUSBUFHJD QMBO XJUI UIF
dengan tema “" 4VTUBJOBCMF (SPXUI BOE 1SPmUBCMF /BUJPOBM UIFNF i" 4VTUBJOBCMF (SPXUI BOE 1SPmUBCMF /BUJPOBM #BOLw
Bank” untuk periode 2011-2015. Strategi pertumbuhan GPSUIFQFSJPE5IFTUSBUFHZPGTVTUBJOBCMFHSPXUI
CFSLFTJOBNCVOHBO EFOHBO QSPmUBCJMJUBT UJOHHJ JOJMBI ZBOH XJUI IJHI QSPmUBCJMJUZ CFDPNFT UIF HVJEFMJOF GPS CBOL bjb in
menjadi pedoman bagi bank bjb dalam menentukan visi dan EFmOJOHJUTWJTJPOBOEBOOVBMQSPHSBNT
program tahunan.
5BIVO ZBOH NFNBTVLJ fase “Leading in Service as In 2014 the Bank enters the phase of “Leading in Service
One of the Big Bank”. Periode ini merupakan transformasi as One of the Big Bank”. This period is the continual
lanjutan dari pencapaian ‘next level’ bank bjb ZBOH transformation of the achievement of bank bjb’s ‘next level’
diarahkan untuk menjadi bank nasional dengan pertumbuhan geared to be a national bank with sustainable growth, high
CFSLFTJOBNCVOHBO UJOHLBU QSPmUBCJMJUBT UJOHHJ TFSUB VOHHVM MFWFMPGQSPmUBCJMJUZ BOEFYDFMMFOUJOTFSWJDF
EBMBNCJEBOHQFMBZBOBO
2011-2012 2013-2014 2015
BUILDING/ESTABLISHMENT NEW LEADING SERVICE AS ONE OF THE A NATIONAL BANK LEADING

INFRASTRUCTURES BIG BANKS SERVICE AND PERFORMANCE
STRATEGY STRATEGY STRATEGY
Developing HR Competence, IT
Infrastructure, and Organization Matching the 10 Biggest Banks
for: in areas: Leading in Service and
• Micro & SME Financing • HR Competence/IT Performance National Bank
• Consumer & Commercial • Services
Banking • bank bjb “Incorporated”
• Treasury & International

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
93
Sejumlah inisiatif strategi untuk mencapai visi tersebut. Di The Bank established several strategic initiatives to achieve
BOUBSBOZB NFMBMVJQFOJOHLBUBOQFOEBQBUBOPQFSBTJPOBMEBO its vision. Among others through increasing operating income
menurunkan pertumbuhan beban operasional. and lowering the growth of operational expenses.
Dalam 5 tahun terakhir, pendapatan bunga bersih bank bjb *OUIFMBTUZFBST UIF#BOLTOFUJOUFSFTUJODPNFJOBWFSBHF
SBUBSBUB NFOJOHLBU TFCFTBS /BNVO QFOJOHLBUBO JOJ JODSFBTFECZ)PXFWFS UIJTJODSFBTFXBTGPMMPXFECZ
EJJLVUJEFOHBOCFCBOPQFSBTJPOBMOPOCVOHBZBOHNFOJOHLBU HSFBUFSOPOJOUFSFTUPQFSBUJOHFYQFOTFT OBNFMZBOBWFSBHF
MFCJI CFTBS ZBJUV SBUBSBUB TFCFTBS )BM UFSTFCVU PG 5IJT SFnFDUT JOFGmDJFODZ PG UIF NBOBHFNFOU PG
NFODFSNJOLBOLPOEJTJZBOHUJEBLFmTJFOEBMBNQFOHFMPMBBO PQFSBUJPOBMDPTUTDBVTJOHGVSUIFSFSPTJPOPGUIF#BOLTQSPmU
CJBZBCJBZB PQFSBTJPOBM ZBOH EBQBU CFSBLJCBU TFNBLJO
UFSHFSVTOZBMBCBCBOL
Pendapatan bunga bank bjb sebagian besar merupakan bank bjbT JOUFSFTU JODPNF JT MBSHFMZ DPOUSJCVUFE CZ DSFEJU
kontribusi bunga kredit. Kredit Guna Bakti (KGB) dalam 5 JOUFSFTU*OUIFMBTUZFBST ,SFEJU(VOB#BLUJ ,(#
JOBWFSBHF
tahun terakhir rata-rata memberikan kontribusi pendapatan contributed 81% of the total interest income from other credit
bunga sebesar 81% dari seluruh pendapatan bunga segmen segments.
LSFEJUMBJOOZB
1FHBXBJ/FHFSJ4JQJM 1/4
TFCBHBJcaptive market bank bjb $JWJM4FSWBOUT 1/4
BTUIF#BOLTDBQUJWFNVTUCFNBJOUBJOFE
IBSVTUFUBQEJQFSUBIBOLBONFMBMVJQFMBZBOBOQSJNBZBOHUFSVT UISPVHI FYDFMMFOU TFSWJDFT UIBU BSF DPOUJOVPVTMZ JNQSPWFE
ditingkatkan. Service excellent tersebut juga diberlakukan This service excellence is also applied to other customers, or
LFQBEBOBTBCBIMBJOOZB NBVQVODBMPOOBTBCBICBOLbjb. potential customers of bank bjb.
Kemampuan bank bjb EBMBN NFOJOHLBULBO QSPmUBCJMJUBT bank bjbTBCJMJUZUPJODSFBTFQSPmUBCJMJUZDBOOPUCFTFQBSBUFE

UJEBLUFSMFQBTEBSJQFOHFMPMBBOCJBZBPQFSBTJPOBMZBOHTFIBU GSPN UIF IFBMUIZ PQFSBUJPOBM DPTU NBOBHFNFOU CBOL bjb’s
#JBZB PQFSBTJPOBM CBOL bjb mengalami peningkatan seiring operational cost increased in line with the development of the
EFOHBO TFNBLJO CFSLFNCBOHOZB CJTOJT CBOL TFSUB KBSJOHBO bank bjbCVTJOFTTBOEPGmDFOFUXPSL
kantor bank bjb.
"EBQVOLPNQPOFOCJBZBPQFSBTJPOBMZBOHIBSVTEJXBTQBEBJ Labor cost with an average increase of 42% during the last 5
dan menjadi tantangan bagi bank bjb untuk segera ZFBSTBTXFMMBTUIF"MMPXBODFGPS*NQBJSNFOU-PTTFT $,1/

EJMBLVLBO FmTJFOTJ ZBJUV CFCBO UFOBHB LFSKB EFOHBO SBUB XJUIBOBWFSBHFJODSFBTFPGPWFSUIFQBTUZFBSTCFDPNF
SBUB QFOJOHLBUBO TFMBNB UBIVO TFCFTBS TFSUB #JBZB the Bank’s challenging component of operational costs which
QFNCFOUVLBO $BEBOHBO ,FSVHJBO 1FOVSVOBO /JMBJ $,1/
TIPVMECFDPODFSOFEBOENBEFFGmDJFOU3FTQPOEJOHUPUIF
dengan rata-rata peningkatan selama 5 tahun sebesar 15%. growth of operational costs which continues to increase as well
.FOZJLBQJ QFSUVNCVIBO CJBZB PQFSBTJPOBM ZBOH TFNBLJO BTJOPSEFSUPNBJOUBJOUIF#BOLTQSPmUBCJMJUZHSPXUI BDUJPOT
meningkat serta dalam rangka menjaga pertumbuhan UPQFSGPSNFGmDJFODZJTBNVTUGPSUIFJOPSEFSUPTVQQSFTTUIF
QSPmUBCJMJUBT CBOL NBLB MBOHLBIMBOHLBI VOUVL NFMBLVLBO HSPXUIPGPQFSBUJOHDPTUT0QUJNJ[BUJPOPGUIFFYJTUJOHPGmDF
FmTJFOTJ BEBMBI TVBUV CFOUVL LFIBSVTBO EFNJ NFOFLBO OFUXPSL XJUI JODSFBTFE BTTFUT BOE NBYJNJ[JOH QSPmU HSPXUI
UVNCVIOZB CJBZB PQFSBTJPOBM 0QUJNBMJTBTJ KBSJOHBO LBOUPS BDDPNQBOJFECZPQFSBUJPOBMDPTUFGmDJFODJFTCFDBNFPOFPG
ZBOH BEB EFOHBO QFOJOHLBUBO BTFU TFSUB NFNBLTJNBMLBO the focuses to achieve the 2014 business plan.
QFSUVNCVIBOMBCBEJTFSUBJFmTJFOTJCJBZBPQFSBTJPOBMNFOKBEJ
salah satu fokus dalam pencapaian rencana bisnis tahun
2014.

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO

4FMBJOFmTJFOTJ QSJPSJUBT3FODBOB#JTOJTUBIVOBLBOMFCJI *OBEEJUJPOUPFGmDJFODZ UIF#BOLT#VTJOFTT1MBOXJMMCF

EJGPLVTLBO UFSIBEBQ QFOJOHLBUBO LVBMJUBT MBZBOBO EJ TFNVB NPSFGPDVTFEPOJNQSPWJOHUIFRVBMJUZPGTFSWJDFTBUBMMMFWFMT
level dengan sasaran masuk dalam peringkat 10 Bank Umum XJUI UIF UBSHFU UP CF JODMVEFE JO UIF UPQ PG UIF /BUJPOBM
/BTJPOBMQFOJMBJBOBank Service Excellent Monitoring (BSEM) Commercial Bank of Bank Service Excellence Monitoring
WFSTJ .3* %FOHBO EFNJLJBO EVLVOHBO LPNQFUFOTJ 4%. #4&.
.3* WFSTJPO 5IVT UIF TVQQPSU PG IVNBO SFTPVSDFT
dan teknologi informasi sangat diperlukan untuk mencapai BOE JOGPSNBUJPO UFDIOPMPHZ DPNQFUFODF JT OFFEFE BOE
IBM UFSTFCVU EBO QBEB BLIJSOZB TJOFSHJ BOUBS VOJU LFSKB EBO VMUJNBUFMZTZOFSHZCFUXFFOVOJUTBOETVCTJEJBSJFTDBODSFBUF
anak perusahaan dapat menciptakan bjb incorporatedZBOH BOJOUFHSBUFEBOEEZOBNJDCKCJODPSQPSBUFE
terpadu dan dinamis.
(ÀVLHQVL%LD\D2SHUDVLRQDO 2SHUDWLRQDO&RVW(IÀFLHQF\

1FOHIFNBUBO CJBZB PQFSBTJPOBM QFSMV UFSVT EJMBLVLBO 5IFFGmDJFODZPGPQFSBUJPOBMDPTUTIPVMEDPOUJOVPVTMZCF
dengan komitmen kuat dari manajemen dalam melakukan conducted with strong commitment from the management
QFOHIFNBUBO EJ TFHBMB CJEBOH 6QBZB FmTJFOTJ CJBZB UP QFSGPSN FGmDJFODZ JO BMM BSFBT 0QFSBUJPOBM DPTU
operasional akan dilakukan melalui pengendalian FGmDJFODZ JT DPOEVDUFE UISPVHI DPTU DPOUSPM BNPOH
CJBZB cost control
ZBJUV TBMBI TBUV DBSBOZB EBQBU PUIFST CZ DPNQBSJOH UIF BDUVBM DPTU UP UIF CVEHFU UIF
NFNCBOEJOHLBO BOUBSB SFBMJTBTJ CJBZB EFOHBO largest component of operational cost is the cost of labor,
BOHHBSBOOZB LPNQPOFO UFSCFTBS EBMBN QFOHFMVBSBO GPMMPXFECZUIF"MMPXBODFGPS*NQBJSNFOU-PTTFT $,1/

CJBZB PQFSBTJPOBM BEBMBI CJBZB UFOBHB LFSKB LFNVEJBO cost.
EJJLVUJPMFIQFNCFOUVLBOCJBZB$,1/
1FNCFOBIBO QSPTFT CJTOJT EBMBN QFOZBMVSBO LSFEJU Improvement of the business processes in lending,
terutama pada kredit komersial dan mikro harus terus FTQFDJBMMZJODPNNFSDJBMBOENJDSPDSFEJUTIPVMEDPOUJOVF
EJMBLVLBO NFMBMVJ QFOZFNQVSOBBO TUSVLUVS PSHBOJTBTJ to be performed through the improvement of organizational
ZBOHFGFLUJGEBOFmTJFO4FMBJOJUV QFOHHVOBBOUFLOPMPHJ TUSVDUVSF UP CF NPSF FGGFDUJWF BOE FGmDJFOU *O BEEJUJPO
JOGPSNBTJ ZBOH EJHVOBLBO VOUVL NFOEVLVOH QFLFSKBBO UIF VTF PG JOGPSNBUJPO UFDIOPMPHZ UP TVQQPSU XPSL DBO
dapat menjadi salah satu cara untuk menekan pengeluaran CF B XBZ UP SFEVDF PQFSBUJPOBM DPTU QFSGPSN NBSLFUJOH
CJBZBPQFSBTJPOBM VQBZBNFNBTBSLBOEBONFOHFEVLBTJ BOE FEVDBUF DVTUPNFST UP VTF UIF QBZNFOU UFDIOPMPHZ
OBTBCBIVOUVLNFOHHVOBLBOUFLOPMPHJQFNCBZBSBOZBOH provided bank bjb.
telah disediakan oleh bank bjb.
Apabila pemanfaatan teknologi informasi ini bisa *G UIF VTF PG JOGPSNBUJPO UFDIOPMPHZ DBO CF BQQMJFE
diaplikasikan secara optimal, hal itu dapat mengembalikan PQUJNBMMZ IJHI DPTU JOWFTUNFOUT DBO CF SFDPWFSFE
CJBZBJOWFTUBTJZBOHCFSCJBZBUJOHHJ4FMBOKVUOZB NBNQV 'VSUIFSNPSF PQFSBUJPOBM DPTU DBO CF SFEVDFE BOE NBZ
NFOFLBOCJBZBPQFSBTJPOBMTFSUBCJTBNFOKBEJTBMBITBUV become a source of income (fee-based income) that can
sumber pendapatan (fee based income
ZBOH EBQBU be relied upon.
diandalkan.
2. Pengembangan dan Peningkatan Kualitas Layanan 2. Development and Improvement of the Quality of
*NQMFNFOUBTJ CVEBZB MBZBOBO QBEB UBIVO Services
EJBSBILBO LFQBEB QFOJOHLBUBO LVBMJUBT MBZBOBO EJ The application of service culture in 2014 was aimed
TFNVB MFWFM .BOBKFNFO 1FOHVLVSBO ,VBMJUBT -BZBOBO UP JNQSPWF UIF RVBMJUZ PG TFSWJDFT BU BMM MFWFMT 5IF
EJJNQMFNFOUBTJLBOLFQBEBQFOHVLVSBOLVBMJUBTMBZBOBO .FBTVSFNFOUPG4FSWJDFT2VBMJUZNBOBHFNFOUXBTBQQMJFE
CBJL NFODBLVQ BTQFL TVNCFS EBZB NBOVTJB NBVQVO UP NFBTVSF UIF RVBMJUZ PG TFSWJDFT CPUI DPWFSJOH UIF
TUBOEBSEJTBTJBTQFLmTJL Premises) di seluruh outlet bank aspects of human resources as well as the standardization

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
95
PLAN REVIEW, BUSINESS DEVELOPMENT POLICY AND STRATEGY
bjb dengan sasaran masuk dalam peringkat 10 (sepuluh) PG QIZTJDBM BTQFDUT 1SFNJTFT
JO BMM PVUMFUT PG CBOL bjb
LBUFHPSJ #BOL 6NVN /BTJPOBM QFOJMBJBO Bank Services XJUIUIFUBSHFUUPCFPOFPGUIFUPQJOUIFDBUFHPSZPG
Excellent Monitoring #4&.
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.POJUPSJOH #4&.
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3. Pengembangan Kompetensi Sumber Daya Manusia 3. Development of Human Resource Competency

1FOHFNCBOHBO LPNQFUFOTJ TVNCFS EBZB NBOVTJB The development of human resources competence
NFSVQBLBO TUSBUFHJ CFSLFMBOKVUBO ZBOH UFSVT EJMBLVLBO CFDPNFT B TVTUBJOBCMF TUSBUFHZ XIJDI DPOUJOVFE UP CF
NFMBMVJCFCFSBQBVQBZBTFCBHBJCFSJLVU QFSGPSNFEUISPVHIUIFGPMMPXJOHNFBTVSFT
1. Merancang program pendidikan dan pelatihan secara 1. Design structured and continuous educational and
terstruktur dan berkesinambungan sesuai dengan training programs in accordance with the training
training program academy. QSPHSBNBDBEFNZ
2. Peningkatan peran dan fungsi Assessment Center *ODSFBTF UIF SPMF BOE GVODUJPO PG UIF DPNQFUFODZ
berbasis kompetensi untuk mendukung pertumbuhan based Assessment Center to support the sustainable
CJTOJTCBOLZBOHCFSLFMBOKVUBO growth of the Bank’s business.
1FOZFNQVSOBBO TJTUFN JOGPSNBTJ 4%. ZBOH 3FmOFNFOU PG B DPNQSFIFOTJWF BOE JOUFHSBUFE )3
komprehensif dan terintegrasi sehingga dapat JOGPSNBUJPO TZTUFN TP BT UP QSPWJEF B NBQ PG UIF
NFNCFSJLBO QFUB LPOEJTJ QFHBXBJ ZBOH BEB TBBU condition of the existing personnel and the direction of
JOJ EBO BSBI QFOHFNCBOHBO QFHBXBJ ZBOH IBSVT FNQMPZFFEFWFMPQNFOUOFDFTTBSZUPCFQFSGPSNFE
dilakukan.
4. Pengembangan Teknologi Informasi 4. Information Technology Development

Untuk mempercepat serta memperkuat pertumbuhan To accelerate and strengthen the bank bjb’s business
bisnis bank bjb, pengembangan teknologi informasi HSPXUI UIF EFWFMPQNFOU PG JOGPSNBUJPO UFDIOPMPHZ JT
EJBSBILBO VOUVL NFOZFEJBLBO MBZBOBO QFSCBOLBO ZBOH directed to provide banking services that are safe, fast and
aman, cepat dan mudah serta customer oriented, melalui FBTZ BTXFMMBTDVTUPNFSPSJFOUFE UISPVHIUIFGPMMPXJOH
VQBZBTFCBHBJCFSJLVU NFBTVSFT
1. Peningkatan aplikasi core banking ZBOH EJTFTVBJLBO 1. Improve the core banking application tailored to the
dengan kebutuhan bisnis. needs of the business.
.FOJOHLBULBO JOGSBTUSVLUVS ZBOH NFNBEBJ EBMBN 2. Improve adequate infrastructure in order to expand
rangka perluasan electronic banking. electronic banking.
1FOHFNCBOHBO mUVS MBZBOBO QFSCBOLBO ZBOH MFCJI 3. Develop a more diverse and multi-channel banking
beragam dan multi-channel. services features.
.FOFSBQLBOQSJOTJQUBUBLFMPMBQFSVTBIBBOZBOHCBJL "QQMZ UIF QSJODJQMFT PG HPPE DPSQPSBUF HPWFSOBODF
(Good Corporate Governance/GCG) dalam proses (GCG) in the procurement process and the
pengadaan dan pengembangan teknologi informasi. EFWFMPQNFOUPGJOGPSNBUJPOUFDIOPMPHZ
5. bjb Incorporated 5. bjb Incorporated

Untuk mewujudkan bank bjb incorporated diperlukan To realize the bank bjb incorporated, bank bjb is required
sinergi bisnis antara bank bjb dengan perusahaan anak UPCFTZOFSHJ[FEXJUIJUTTVCTJEJBSJFTDPNQBOZJOPSEFSUP
agar mampu memberikan kontribusi optimal dalam rangka DPOUSJCVUFPQUJNBMMZUPJNQSPWFUIF#BOLTBTTFUTHSPXUI
meningkatkan pertumbuhan aset dan pendapatan bank and non-organic earnings.
secara non-organik.

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO

1FOZFSUBBO NPEBM UBIVO BLBO EJMBLVLBO LFQBEB $BQJUBM JOWFTUNFOU JO XBT QFSGPSNFE UP #13-,
#13-, .VMUJmOBODF "TVSBOTJ +JXB EBOBUBV "TVSBOTJ .VMUJmOBODF -JGF*OTVSBODFBOEPS*OTVSBODF*OBEEJUJPO
Kerugian. Selain itu, penambahan setoran modal kepada DBQJUBMXBTJOKFDUFEUP#+#4ZBSJBIBOE"TLSJEB
CKCTZBSJBIEBO"TLSJEB
KEBIJAKAN DAN STRATEGI PENCAPAIAN POLICY AND ACHIEVEMENT STRATEGY
6OUVLNFODBQBJSFODBOBWJTJEBONJTJUBIVOZBOHTVEBI To achieve the 2014vision and mission as planned, a number

ditetapkan tersebut, sejumlah strategi dan kebijakan telah PGTUSBUFHJFTBOEQPMJDJFTIBWFCFFOQSFQBSFECZCBOLbjb,
disiapkan oleh bank bjb ZBJUV OBNFMZ
1. Peningkatan Market Share Dana Pihak Ketiga *ODSFBTFUIF.BSLFU4IBSFPGUIF5IJSE1BSUZ'VOET

)BMJOJEJMBLVLBONFMBMVJVQBZBTFCBHBJCFSJLVU 5IJTJTDPOEVDUFEUISPVHIUIFGPMMPXJOHFGGPSUT
B 1FSUVNCVIBO%BOB1JIBL,FUJHBZBOH0QUJNBM B 0QUJNBM(SPXUIPG5IJSE1BSUZ'VOET

.FOZFMFOHHBSBLBO QSPHSBN QSPNPTJ QFNBTBSBO - Perform marketing promotion on funding products.
produk dana. - Develop products oriented to the needs of the
1FOHFNCBOHBOQSPEVLZBOHCFSPSJFOUBTJLFQBEB DVTUPNFSTDPNNVOJUZ
LFCVUVIBOOBTBCBINBTZBSBLBU 0QUJNJ[F *OTUJUVUJPOBM #BOLJOH GPS UIF EFQMPZNFOU
- Optimalisasi Institutional Banking untuk of funds of state-owned companies, regional-
QFOHFSBIBOEBOB#6./ #6.%NBVQVOJOTUJUVTJ owned companies and other institutions.
MBJOOZB
C 1FOHFNCBOHBOEBO1FOJOHLBUBO,VBMJUBT-BZBOBO C %FWFMPQBOE*NQSPWFUIF2VBMJUZPG4FSWJDFT

1FOJOHLBUBOLVBMJUBTMBZBOBOEJTFNVBMFWFM CBJL *NQSPWF UIF RVBMJUZ PG TFSWJDFT BU BMM MFWFMT CPUI
EJ ,BOUPS 1VTBU ,BOUPS 8JMBZBI NBVQVO ,BOUPS BU UIF )FBERVBSUFS 3FHJPOBM 0GmDFT BOE #SBODI
Cabang. 0GmDFT
1FOJOHLBUBO LVBMJUBT MBZBOBO electronic banking *NQSPWFUIFRVBMJUZPGFMFDUSPOJDCBOLJOHTFSWJDFT
untuk meningkatkan corporate image dan fee to improve corporate image and fee-based income,
based income TFSUB QFMBZBOBO LFQBEB OBTBCBI as well as services to customers in e-banking
dalam transaksi e-banking (bjb digi). transactions.
1FOJOHLBUBO1FOZBMVSBO,SFEJU 2. Increase Lending

4USBUFHJJOJEJMBLVLBONFMBMVJVQBZBTFCBHBJCFSJLVU 5IJTTUSBUFHZJTJNQMFNFOUFEUISPVHIUIFGPMMPXJOH
a. Akselerasi fungsi Bank sebagai lembaga intermediasi. B "DDFMFSBUJPOPGUIF#BOLTGVODUJPOBTBOJOUFSNFEJBSZ
institution.
b. Peningkatan pemberian kredit baik sektor produktif b. Increase lending both in the productive and
maupun konsumtif dengan mengoptimalkan DPOTVNQUJWF TFDUPST UP PQUJNJ[F UIF VTF PG GVOET CZ
penggunaan dana dengan tetap memperhatikan UBLJOHJOUPBDDPVOUUIFQSFDBVUJPOBSZQSJODJQMF
prinsip kehati-hatian.
c. Mempertahankan serta terus melakukan ekspansi D .BJOUBJO BOE FYQBOE DPOTVNFS DSFEJU FTQFDJBMMZ
kredit konsumsi terutama kredit KGB, serta KGB credit, as well as an increase the growth of the
QFOJOHLBUBOQFSUVNCVIBO,13 mortgage.

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
97
d. Optimalisasi fungsi Waroeng Mikro bjb. d. Optimize the function of Waroeng Mikro bjb.
e. Memperbaiki dan menjaga kualitas kredit. F 3FQBJSBOENBJOUBJODSFEJURVBMJUZ
3. Optimalisasi Fee Based Income 3. Optimization of Fee Based Income

4USBUFHJJOJMBLVLBONFMBMVJVQBZBTFCBHBJCFSJLVU 5IJTTUSBUFHZJTDPOEVDUFEUISPVHIUIFGPMMPXJOHFGGPSUT
B 0QUJNBMJTBTJ QFOHFMPMBBO JOTUSVNFO 5SFBTVSZ EBO B 0QUJNJ[JOH UIF NBOBHFNFOU PG 5SFBTVSZ BOE
International Banking. International Banking instruments.
- Optimalisasi instrumen Capital Market, Forex, dan - Optimization of Capital Market instruments, Forex
Derivatif. and Derivatives.
.FOKBEJBHFOQFOKVBM03* #FDPNFT03*TBMFTBHFODZ
0QUJNBMJTBTJKBTBLVTUPEJBOTFSUBMBZBOBOKBTBXBMJ - Optimization of custodian services and trustee
amanat. services.
- Peningkatan transaksi Remittance, Trade Finance - Increase remittance transactions, Trade Finance
and Services. and Services.
b. Pengembangan jasa transaksi perbankan, optimalisasi C %FWFMPQCBOLJOHTFSWJDFTPQUJNJ[FUIFFYJTUJOHPGmDF

KVNMBIKBSJOHBOLBOUPSZBOHBEB TFSUB"5. network, and ATM.
- Optimalisasi jaringan kantor dan fungsi ATM bagi 0QUJNJ[F PGmDF OFUXPSL BOE "5. GVODUJPOBMJUZ GPS
OBTBCBINFMBMVJQFOBNCBIBOmUVSMBZBOBO"5. customers through the addition of ATM services
1FOJOHLBUBO MBZBOBOtransaction service produk features.
Wealth Management. - Improve services/transaction services of the
Wealth Management product.
4. Pertumbuhan Aset Secara Anorganik 4. Anorganic Asset Growth

a. Penambahan setoran modal kepada beberapa anak a. Capital injection to several subsidiaries.
perusahaan.
b. Meningkatkan aset perusahaan melalui akuisisi C *ODSFBTF UIF BTTFUT PG UIF $PNQBOZ UISPVHI UIF
QFSVTBIBBOMFNCBHBLFVBOHBOZBOHTFIBU BDRVJTJUJPOPGIFBMUIZmOBODJBMJOTUJUVUJPOT
D .FOEPSPOHLJOFSKB1FSVTBIBBO"OBLEBO#13-, c. Support the performance of subsidiaries entities and

#13-,
5. Pengembangan Bisnis Bidang Penunjang untuk 5. Develop Business in the Supporting Field to promote the
.FOEVLVOH1FOJOHLBUBO1SPmUBCJMJUBT#BOL #BOLTJODSFBTFE1SPmUBCJMJUZ
a. Credit Risk Reviewer B $SFEJU3JTL3FWJFXFST

- Melakukan pengendalian risiko kredit melalui - Control credit risk through credit process mitigation
mitigasi proses kredit dan monitoring kualitas BOEQFSGPSNQFSJPEJDDSFEJURVBMJUZNPOJUPSJOH
kredit secara berkala.

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO

- Mengelola dan mengembangkan standar- - Manage and develop the standards to measure
standar pengukuran risiko kredit sesuai ketentuan credit risk in accordance to the provisions of the
regulator. regulators.
b. Perencanaan dan Change Management b. Planning and Change Management

- Menetapkan arah dan strategi Bank dan 4FU UIF EJSFDUJPO BOE TUSBUFHZ PG UIF #BOL BOE
NFOZFNQVSOBLBO QSPTFT CJTOJT NFMBMVJ TUSVLUVS enhance business processes through effective
PSHBOJTBTJZBOHFGFLUJGEBOFmTJFO BOEFGmDJFOUPSHBOJ[BUJPOBMTUSVDUVSF
.FOEPSPOH UFSDJQUBOZB QSPTFT LFSKB ZBOH FmTJFO &ODPVSBHFUIFDSFBUJPOPGNPSFFGmDJFOUBOEFGGFDUJWF
dan efektif di bidang transformasi/manajemen XPSLQSPDFTTFTJOUIFmFMEPGUSBOTGPSNBUJPODIBOHF
perubahan. management.
D 1FOHFNCBOHBO4VNCFS%BZB.BOVTJB D )VNBO3FTPVSDF%FWFMPQNFOU

- Kebijakan dan pelaksanaan rekrutmen, rencana 1PMJDZ BOE JNQMFNFOUBUJPO PG SFDSVJUNFOU DBSFFS
pengembangan karir, serta job grading. development plans, and job grading.
1SPHSBN QFOEJEJLBO EBO QFMBUJIBO ZBOH - Education and training programs that support
mendukung bisnis bank secara teratur dan UIF CBOLT CVTJOFTT SFHVMBSMZ BOE DPOUJOVPVTMZ
berkesinambungan melalui Training Program UISPVHIUIF1SPHSBN"DBEFNZ5SBJOJOH
Academy.
d. Peningkatan Kualitas Operasional E0QFSBUJPOBM2VBMJUZ*NQSPWFNFOU

- Pengelolaan administrasi dan monitoring dokumen - Managing and monitoring the administration of
kredit secara tertib. MPBOEPDVNFOUTJOBOPSEFSMZNBOOFS
1FOJOHLBUBO LVBMJUBT MBZBOBO PQFSBTJPOBM "5. *NQSPWF RVBMJUZ PG PQFSBUJPOBM TFSWJDFT PG "5.
.PEVM 1FOFSJNBBO /FHBSB .1/
EBO USBOTBLTJ 4UBUF3FWFOVF.PEVMF .1/
BOEUIFUSBOTBDUJPO
4JTUFN,MJSJOH/BTJPOBM#BOL*OEPOFTJB 4,/#*
/BUJPOBM$MFBSJOH4ZTUFN#BOL*OEPOFTJB 4,/#*

.FOJOHLBULBOFmTJFOTJCJBZBPQFSBTJPOBM *NQSPWFUIFFGmDJFODZPGPQFSBUJPOBMDPTU
F 1FOFSBQBO .BOBKFNFO 3JTJLP EBO 1FMBLTBOBBO F "QQMJDBUJPOPG3JTL.BOBHFNFOUBOE#BOL$PNQMJBODF

Kepatuhan Bank - Develop and manage risk management policies
- Pengembangan dan pengelolaan kebijakan dan and procedures as well as organize and develop
QSPTFEVS .BOBKFNFO 3JTJLP TFSUB NFOZVTVO EBO UIF#BOLTSJTLQSPmMF
NFOHFNCBOHLBOQSPmMSJTJLPCBOL - Achieve the implementation of compliance culture
.FXVKVELBO UFSMBLTBOBOZB CVEBZB LFQBUVIBO at all levels of the organization and the business.
pada semua tingkatan organisasi dan kegiatan
usaha bank.
f. Peningkatan Sistem Pengawasan Internal G *NQSPWF*OUFSOBM$POUSPM4ZTUFN

- Meningkatkan peran audit intern sebagai Strategic - Enhance the role of internal audit as a Strategic
Business Partner bagi manajemen dan seluruh Business Partner for the Management and all
jajaran bank. levels of the Bank.
.FOZVTVOQFSFODBOBBOBVEJUCFSCBTJTSJTJLP - Develop a risk-based audit planning.

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
99
H "DDPVOUJOH'JOBODJBM3FQPSUJOH H "DDPVOUJOH'JOBODJBM3FQPSUJOH

4UBOEBSEJTBTJQFOZVTVOBOMBQPSBOLFVBOHBOZBOH 4UBOEBSEJ[FUIFQSFQBSBUJPOPGmOBODJBMTUBUFNFOUT
dapat memenuhi unsur akurasi dan tepat waktu. UIBUDBONFFUUIFFMFNFOUTPGBDDVSBDZBOEUJNFMZ
- Peningkatan akurasi data dan informasi *NQSPWFEBUBBDDVSBDZBOECBOLbjb performance
performance bank bjb bagi manajemen. information for the Management.
I )VCVOHBO EFOHBO *OWFTUPS ,PNVOJLBTJ 1FNBTBSBO I *OWFTUPS 3FMBUJPOT .BSLFUJOH $PNNVOJDBUJPO BOE
dan Promosi Promotion
1FOJOHLBUBOLPNVOJLBTJ LFSKBTBNBEBOMBZBOBO - Improve communication, collaboration and
kepada calon investor dan investor. services to prospective investors and investors.
- Meningkatkan Brand Awareness bank bjb kepada *ODSFBTF UIF DPNNVOJUZT BXBSFOFTT UPXBSET
NBTZBSBLBU bank bjb Brand.

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
TINJAUAN BISNIS
& INDUSTRI
BUSINESS & INDUSTRY REVIEW

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
101
TINJAUAN BISNIS & INDUSTRI BUSINESS & INDUSTRY REVIEW
Situasi Makro Macro Situation

1FNVMJIBO FLPOPNJ HMPCBM ZBOH NBTJI CFSMBOHTVOH 5IF HMPCBM FDPOPNZ XIJDI DPOUJOVFE UP CF SFDPWFSJOH JO
IJOHHB UBIVO DFOEFSVOH CFMVN TUBCJM 4BMBI TBUVOZB SFNBJOFE VOTUBCMF 5IJT XBT BNPOH PUIFST TIPXO CZ
EJUVOKVLBOPMFIQFSFLPOPNJBO$IJOBZBOHNBTJINFOHBMBNJ UIF TMPXEPXO PG $IJOBT FDPOPNZ 5IF FDPOPNJD HSPXUI PG
perlambatan. Pertumbuhan ekonomi negara salah satu UIJTDPVOUSZ XIJDIJTPOFPG*OEPOFTJBTFYQPSUEFTUJOBUJPOT
tujuan ekspor Indonesia itu lebih rendah dibandingkan tahun XBTMPXFSUIBOUIFQSFWJPVTZFBS OBNFMZPOMZ8IJMFJO
TFCFMVNOZB ZBJUVIBOZB 4FNFOUBSBQBEBUBIVO UIFFDPOPNZPG$IJOBHSFXCZ
tumbuh 7,7%.
*OEPOFTJB ZBOH NFOHBOVU TJTUFN QFSFLPOPNJBO UFSCVLB *OEPOFTJB XIJDI BEPQUT UIF TZTUFN PG PQFO FDPOPNZ XBT
ikut terkena imbas dari ketidakpastian perekonomian BMTP JNQBDUFE CZ UIF HMPCBM FDPOPNJD VODFSUBJOUJFT %VSJOH
global tersebut. Selama tahun 2014, secara kumulatif nilai 2014, the cumulative value of the Indonesian export declined
ekspor Indonesia mengalami penurunan sebesar 3,43% CZ PWFS UIF QSFWJPVT ZFBS "T GPS OPOPJM FYQPSU UIF
EJCBOEJOHLBOUBIVOTFCFMVNOZB,IVTVTFLTQPSOPONJHBT EFDMJOFSFBDIFE
UVSVOOZBNFODBQBJ
Ekspor Bulanan Monthly Export

(Miliar USD) (Billion USD)
Bulan /JMBJ Month
Januari 14.47 +BOVBSZ
Februari 'FCSVBSZ
Maret March
April April
Mei 14.82 .BZ
Juni 15.41 June
Juli 14.18 +VMZ
Agustus 14.48 August
September 15.28 September
Oktober 15.35 October
/PWFNCFS /PWFNCFS
Desember December

4VNCFS#14 4PVSDF#14
Pertumbuhan ekonomi Indonesia (PDB) pada tahun 2014 In 2014, Indonesia’s economic growth (GDP) was under
pun ikut mengalami tekanan. Badan Pusat Statistik (BPS) pressure. The Central Bureau of Statistics (BPS) noted the
NFODBUBUCBIXBQFSUVNCVIBOOZBIBOZB MFCJISFOEBI *OEPOFTJBO FDPOPNZ POMZ HSFX CZ MPXFS UIBO UIF
EJCBOEJOHLBO UBIVO ZBOH .FMFNBIOZB FLTQPS 5.78% in 2013. The weakening of export provided impact to
ini berimplikasi terhadap neraca perdagangan, sehingga UIFUSBEFCBMBODF TPBTUPFYQFSJFODFEFmDJU
NFOHBMBNJEFmTJU

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
TINJAUAN BISNIS & INDUSTRI
BPS juga mengungkapkan bahwa laju pertumbuhan konsumsi BPS also revealed that the growth rate of household
rumah tangga sebagai salah satu faktor pembentuk PDB, consumption as one of the determining factors of GDP also
QBEB UBIVO KVHB NFOHBMBNJ LPOUSBLTJ NFOKBEJ IBOZB DPOUSBDUFE JO OBNFMZ POMZ DPNQBSFE UP UIF
5,14%. Sedangkan pada tahun 2013 sebesar 5,28%. 5.28% in 2013.
Distribusi Persentase Produk Domestik Bruto Triwulanan Percentage of the Distribution of Quarterly Gross
Atas Dasar Harga Berlaku Menurut Pengeluaran (Persen) Domestic Product At Current Market Prices According to
Expenditure (Percent)
2014
Jumlah
Jenis Pengeluaran Type Consumption
Total
I II III IV
1 1FOHFMVBSBO,POTVNTJ3VNBIUBOHHB 55,84 55,03 )PVTFIPME$POTVNQUJPO&YQFOEJUVSF
a. Makanan a. Food
b. Bukan Makanan 30,03 C/PO'PPE
2 Pengeluaran Konsumsi Pemerintah 8,02 11,58 Government Consumption Expenditure

(a+b-c) (a+b-c)
a. Belanja Barang 2,42 3,71 4,21 4,21 a. Belanja Barang
C#FMBOKB1FHBXBJ1FOZVTVUBO 5,11 5,18 5,75 C4IPQQJOH&NQMPZFF%FQSFDJBUJPO

/5#
/5#
c. Penerimaan Barang dan Jasa 0,75 1,12 1,14 c. Acceptance of Goods and Services
3 Pembentukan Modal Tetap Domestik 30,87 31,40 31,05 33,38 31,70 Gross Domestic Fixed Capital
Bruto Formation
a. Bangunan a. Building
b. Mesin dan Perlengkapan Dalam 0,30 0,32 0,31 0,31 0,31 C%PNFTUJD.BDIJOFSZBOE&RVJQNFOU
/FHFSJ
c. Mesin dan Perlengkapan Luar 2,73 2,77 2,80 D'PSFJHO.BDIJOFSZBOE&RVJQNFOU

/FHFSJ
E"MBU"OHLVUBO%BMBN/FHFSJ 0,27 0,25 d. Domestic Transport Equipment
F"MBU"OHLVUBO-VBS/FHFSJ 0,58 e. Overseas Transport Equipment
G-BJOOZB%BMBN/FHFSJ 0,44 0,47 0,47 0,53 0,48 f. Other Domestic
H-BJOOZB-VBS/FHFSJ 0,22 0,24 0,24 0,24 g. Other Overseas
4VNCFS%BUB4FNFOUBSB#14 4PVSDF#14%BUB5FNQPSBSZ
.FOKFMBOH CFSBLIJSOZB UBIVO KVHB EJXBSOBJ EFOHBO Towards the end of 2014, the benchmark interest rate of Bank
kenaikan suku bunga acuan BI rate sebesar 25 basis poin, dari *OEPOFTJBBMTPSPTFCZCBTJTQPJOUT GSPNUP
7,50% menjadi 7,75%. Kenaikan suku bunga ini merupakan *ODSFBTJOHUIFCFODINBSLJOUFSFTUSBUFXBTBOBDUJPOUBLFOCZ
SFTQPO ZBOH EJBNCJM PMFI #BOL *OEPOFTJB VOUVL NFOBIBO #BOL*OEPOFTJBUPDVSCJOnBUJPOXIJDIBNPOHPUIFSTXBTEVF
MBKVJOnBTJ TBMBITBUVOZBBLJCBULFOBJLBOIBSHBCBIBOCBLBS UPUIFSJTFPGGVFMQSJDFT)PXFWFS UISPVHIPVU JOnBUJPO
NJOZBL 8BMBVQVO CFHJUV TFQBOKBOH UBIVO JOnBTJ SFNBJOFEIJHI OBNFMZ ZFBSPOZFBS

BLIJSOZBNBTJIUFUBQUJOHHJ ZBJUV year on year).

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
103
Posisi Suku Bunga Acuan Bank Indonesia Position of the Benchmark Interest Rate of Bank Indonesia
Tanggal SBI Date
11 Desember 2014 7,75% 11 December 2014
/PWFNCFS 7,50% /PWFNCFS
8 Oktober 2013 7,25% 8 October 2013
15 Agustus 2013 15 August 2013
13 Juni 2013 13 June 2013
10 Januari 2013 5,75% +BOVBSZ
4VNCFS#BOL*OEPOFTJB 4PVSDF#BOL*OEPOFTJB
Posisi nilai tukar rupiah terhadap dolar Amerika Serikat 5IFQPTJUJPOPG3VQJBIBHBJOTUUIF64%PMMBSSFNBJOFEXFBL

KVHB NBTJI MFNBI 1FNFSJOUBI NFMBMVJ "1#/ 1FSVCBIBO The Government through the 2014 State Budget Amendment
2014 menetapkan kurs rupiah terhadap dolar AS sebesar TFUUIFFYDIBOHFSBUFPG3VQJBIBHBJOTUUIF64%PMMBSBUUIF
3Q /BNVO SFBMJTBTJOZB OJMBJ SVQJBI KBVI MFCJI MFNBI MFWFMPG3Q )PXFWFSJOSFBMJ[BUJPO 3VQJBIXBTNVDI
EBSJ UBSHFU UFSTFCVU CBILBO TFNQBU NFOZFOUVI QPTJTJ EJ XFBLFSUIBOUIFUBSHFUBOEUPVDIFEUIFQPTJUJPOPG3Q
LJTBSBO3QQFS%PMBS"4 per US Dollar.
Situasi Industri Perbankan The Condition of Banking Industry

,POEJTJFLPOPNJTFDBSBNBLSPZBOHUFSKBEJEJUJOHLBUHMPCBM The global and national macro-economic conditions provide
maupun nasional memberikan pengaruh, baik secara JNQBDUT FJUIFS EJSFDUMZ PS JOEJSFDUMZ UP UIF mOBODJBM JOEVTUSZ
langsung maupun tidak langsung terhadap industri keuangan, including banking. Bank Indonesia’s response towards high
UFSNBTVL QFSCBOLBO 3FTQPO #BOL *OEPOFTJB UFSIBEBQ JOnBUJPOBOEEFQSFDJBUJPOPG3VQJBIBHBJOTUUIF64%PMMBSCZ
UJOHHJOZBJOnBTJEBONFMFNBIOZBLVSTSVQJBIUFSIBEBQEPMBS SBJTJOHUIFCFODINBSLJOUFSFTUSBUFBUUIFFOEPGUIFZFBS XJMM
AS dengan menaikkan suku bunga acuan pada akhir tahun, QPUFOUJBMMZSFEVDFUIFQSPmUPGCBOLT
berpotensi menurunkan laba perbankan.
%BUB#BOL*OEPOFTJBNFOZFCVULBO net interest margin /*.

#BOL *OEPOFTJB %BUB OPUFE /FU *OUFSFTU .BSHJO /*.
PG
CBOLVNVNVOUVLQFSJPEF/PWFNCFSUFMBINFOHBMBNJ DPNNFSDJBMCBOLTGPSUIFQFSJPEPG/PWFNCFSEFDSFBTFE
QFOVSVOBOTFCFTBS EJCBOEJOHLBOQFSJPEFZBOHTBNB CZDPNQBSFEUPUIFTBNFQFSJPEJOUIFQSFWJPVTZFBS
UBIVOTFCFMVNOZB
Statistik Bank Umum (%) Commercial Banks Statistics

$"3 30" BOPO /*. -%3
2012 17,43 3,11 74,1 83,58 2012
2013 18,13 3,08 74,08 2013
/PWFNCFS 18,48 4,88 /PWFNCFS

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
,FNVEJBO NBTJI UJOHHJOZB JOnBTJ NFNCVBU EBZB CFMJ 'VSUIFSNPSF JOnBUJPO XIJDI SFNBJOFE IJHI DBVTFE UIF
NBTZBSBLBUJLVUNFMFNBI"LJCBUUFSKBEJOZBQFOVSVOBOQBEB DPNNVOJUZT QVSDIBTJOH QPXFS UP XFBLFO 5P UIBU FOE
LPOTVNTJ SVNBI UBOHHB LSFEJU LPOTVNTJ ZBOH VNVNOZB household consumption declined, consumer credit which
lebih cepat memberikan keuntungan bagi perbankan, juga HFOFSBMMZQSPWJEFTCFOFmUTGPSCBOLTBMTPQPUFOUJBMMZCFDBNF
berpotensi ikut tertekan. under pressure.
)BM JUV UFSMJIBU QBEB IBTJM TVSWFJ QFSCBOLBO ZBOH EJMBLVLBO 5IJT XBT SFnFDUFE PO UIF SFTVMUT PG UIF CBOLJOH TVSWFZ
PMFI#BOL*OEPOFTJB4VSWFJZBOHEJMBLVLBOUFSIBEBQTFKVNMBI DPOEVDUFE CZ #BOL *OEPOFTJB 5IF TVSWFZ XIJDI XBT
CBOL VNVN ZBOH NFOHVBTBJ QBOHTB QBTBS QFSCBOLBO conducted towards a number of commercial banks dominating
TFCFTBS JUV NFOHVOHLBQLBO UFSKBEJOZB QFSMBNCBUBO the banking market share of 80% revealed a slowdown in
pada pertumbuhan kredit. credit growth.
)BTJM TVSWFJ NFOZFCVULBO QBEB 5SJXVMBO *** 5IF SFTVMUT PG UIF TVSWFZ NFOUJPOFE JO UIF UIJSE RVBSUFS
NFMBNCBUOZBQFSUVNCVIBOLSFEJUEJTFCBCLBOPMFISFOEBIOZB PG UIF TMPXEPXO PG DSFEJU HSPXUI XBT DBVTFE CZ UIF
QFSNJOUBBOQFNCJBZBBOEBSJOBTBCBI LFOBJLBOTVLVCVOHB MPX EFNBOE GPS DVTUPNFS mOBODJOH UIF SJTF PG JOUFSFTU SBUF
TFSUB NFOJOHLBUOZB SJTJLP QFNCFSJBO LSFEJU 1BEB USJXVMBO and the increased credit risk. In the next quarter, respondents
CFSJLVUOZB SFTQPOEFO KVHB NFNQFSLJSBLBO NBTJI UFSKBEJ expected the same condition will remain to occur.
LPOEJTJZBOHTBNB
%BMBN SFBMJTBTJOZB EBUB 4UBUJTUJL 1FSCBOLBO *OEPOFTJB In realization, the Indonesian Banking Statistics data released
ZBOH EJLFMVBSLBO PMFI #BOL *OEPOFTJB NFOVOKVLBO CBIXB CZ#BOL*OEPOFTJBTIPXTUIBUUIFHSPXUIPGDPNNFSDJBMCBOL
QFSUVNCVIBO QFOZBMVSBO LSFEJU CBOL VNVN VOUVL QFSJPEF MFOEJOHGPSUIFQFSJPEPG+BOVBSZ/PWFNCFSEFDSFBTFE
+BOVBSJ/PWFNCFS NFOVSVO EJCBOEJOHLBO CZDPNQBSFEUPUIFTBNFQFSJPEJOUIFQSFWJPVTZFBS
QFSJPEF ZBOH TBNB UBIVO TFCFMVNOZB 1BEB UBIVO In 2013, growth reached 21.8% compared to the realization
QFSUVNCVIBOOZB NFODBQBJ EJCBOEJOHLBO UBIVO in 2012.
realisasi tahun 2012.
Bank Umum
BPD
Commercial Bank
Tahun Year
Jumlah | Total (Rp Miliar)
2012 218.851 2012
2013 2013
/PWFNCFS 3.241.040 /PWFNCFS
/PWFNCFS /PWFNCFS

4FEBOHLBO QBEB #BOL 1FNCBOHVOBO %BFSBI LSFEJU ZBOH .FBOXIJMF UIF 3FHJPOBM %FWFMPQNFOU #BOL EVSJOH UIF
EJLVDVSLBO QBEB QFSJPEF /PWFNCFS UVNCVI QFSJPEPG/PWFNCFS DSFEJUHSFXCZDPNQBSFE
EJCBOEJOHLBO QFSJPEF ZBOH TBNB UBIVO 4FNFOUBSB UP UIF TBNF QFSJPE JO "T GPS UIF DSFEJU HSFX CZ
VOUVL UBIVO QFSUVNCVIBOOZB TFCFTBS 20.88% compared to the number of credit in 2012.
dibandingkan 2012.

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
105
Statistik BPD BPD Statistic

$"3 30" BOPO /*. -%3
2012 18,02 78,57 2012
2013 17,58 3,18 7,04 2013
/PWFNCFS 3,18 72,43 78,32 /PWFNCFS

Perlambatan kinerja industri perbankan itu sejalan dengan 5IF TMPXEPXO PG UIF CBOLJOH JOEVTUSZ QFSGPSNBODF XBT
IBTJM TVSWFJ EVOJB VTBIB ZBOH EJMBLVLBO #BOL *OEPOFTJB DPIFSFOU UP UIF SFTVMUT PG UIF CVTJOFTT TVSWFZ DPOEVDUFE
bersama BPS. Pada kuartal akhir tahun 2014, optimisme CZ#BOL*OEPOFTJBBOE#14*OUIFmOBMRVBSUFSPG UIF
dunia usaha terhadap situasi ekonomi mengalami penurunan. optimism of the business world towards the economic condition
)BMJUVEJUVOKVLBONFMBMVJ*OEFLT5FOEFOTJ#JTOJTZBOHMFCJI EFDMJOFE5IJTXBTSFnFDUFECZUIF#VTJOFTT5FOEFODZ*OEFY
SFOEBIEJCBOEJOHLBOUSJXVMBOTFCFMVNOZBQBEBUBIVOZBOH which became lower than the previous quarter of the same
TBNB ZBJUVEBSJ NFOKBEJ ZFBS OBNFMZGSPNUP
Indeks Tendensi Bisnis merupakan indikator perkembangan #VTJOFTT 5FOEFODZ *OEFY JT BO JOEJDBUPS PG UIF DVSSFOU
FLPOPNJ VTBIB UFSLJOJ ZBOH EBUBOZB EJQFSPMFI EBSJ 4VSWFJ economic development where data is obtained from the
Tendensi Bisnis (STB) oleh Badan Pusat Statistik, bekerja sama #VTJOFTT 5FOEFODZ 4VSWFZ 45#
QFSGPSNFE CZ UIF $FOUSBM
dengan Bank Indonesia. Indeks tersebut menggambarkan Bureau of Statistics in cooperation with Bank Indonesia. The
kondisi bisnis dan perekonomian pada triwulan berjalan dan index illustrates the business and economic conditions in the
perkiraan pada triwulan mendatang. current quarter and forecast in the coming quarter.
PERTUMBUHAN & MARKET SHARE POS GROWTH & MARKET SHARE OF THE PRIMARY
KEUANGAN UTAMA BANK BERDASARKAN FINANCIAL POSTS OF THE BANK BASED ON
STATUS KEPEMILIKANNYA TERHADAP BANK ITS OWNERSHIP STATUS TO THE COMMERCIAL
UMUM PERIODE DESEMBER 2014 BANKS IN THE PERIOD OF DECEMBER 2014
Jumlah Total Dana Pihak Ketiga (DPK)/

Bank Aset/Assets Total Kredit/Total Loans /DED%HUVLK1HW3URÀW
Total Third-Party Funds
Per
Kelompok Des
Bank/ 2014 Pertumbuhan/Growth Pertumbuhan/Growth Pertumbuhan/Growth Pertumbuhan/Growth
Bank Total Realisasi/ Realisasi/ Realisasi/ Realisasi/
Realization Des/Dec Des/Dec Realization Des/Dec Des/Dec Realization Des/Dec Des/Dec Realization Des/Dec Des/Dec
Group Bank
2013 2014 2013 2014 2013 2014 2013 2014
as per
Dec Triliun/ Triliun/ Triliun/ Des/ Des/ Triliun/
Des/Dec Des/Dec Des/Dec Des/Dec Des/Dec Des/Dec
2014 Trillion % Trillion % Trillion % Dec Dec Trillion %
2013 2014 2013 2014 2013 2014
Rp Rp Rp 2013 2014 Rp
Bank Persero 4 1.758,87 Ï 317,73 Ï Ï Ï 1.181,73 Ï Ï 12,13% 54,37 Ï Ï 11,51%
Group-Owned
Banks
#64/%FWJTB 38 2.200,14 Ï Ï 12,11% 1.731,02 Ï Ï 11,51% 1.311,52 1.481,81 Ï Ï 33,47 Ð
Ð -1,82%
Foreign
Exchange
/BUJPOBM1SJWBUF
Banks
#64//PO Ï Ï 122,88 141,03 Ï 18,14 Ï 14,77% 108,23 Ï 17,77 Ï 3,08 2,32 Ð (0,77) Ð
Devisa
/PO'PSFJHO
Exchange
/BUJPOBM1SJWBUF
Banks
BPD Ï 50,73 Ï 13,01% 287,71 Ï 48,25 Ï Ï Ï 10,73 Ð (1,07) Ð
Bank Campuran 12 278,31 Ð
Ð -4,10% Ð (14,87) Ð Ð (5,43) Ð -2,70% 4,54 4,22 Ð (0,32) Ð -7,04%
Joint Venture
Banks
Bank Asing 10 432,58 Ï 42,17 Ï 10,80% 173,40 Ï 0,87 Ï 0,50% 225,50 244,03 Ï 18,53 Ï 8,22% 8,72 Ï Ï 42,51%
Foreign Banks
Bank Umum Ï Ï 13,34% 4.114,42 Ï 450,45 Ï Ï 381,43 Ï 11,58% Ï 5,45 Ï 5,11%
Commercial
Banks
bank bjb 1 70,24 Ï 3,52 Ï 5,28% Ï Ï 13,32% 45,11 Ï 4,14 Ï 1,74 1,14 Ð
Ð -34,77%

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
Jumlah Bank Aset Total Dana Pihak Ketiga Total Kredit Laba Bersih
Total Bank Assets 5PUBM5IJSE1BSUZ'VOET Total Loans /FU1SPmU
24,37% 42,07% 40,33% 3,43% 2,07%

3,43%
21,85%
3,33%

7,85%
8,20%
3,36% 10,08% 36,98%
38,46% 8,17%
36,06% 48,48%
5,33%

7,70% 4,24%
8,40% 7,78%

Bank Persero #64/%FWJTB #64/%FWJTB BPD Bank Campuran Bank Asing

Group-Owned Banks 'PSFJHO&YDIBOHF/BUJPOBM1SJWBUF#BOLT /PO'PSFJHO&YDIBOHF/BUJPOBM1SJWBUF#BOLT Joint Venture Banks Foreign Banks
• Aset Bank Umum pada Desember 2014 tumbuh • The assets of Commercial Banks in December 2014
TFCFTBS ZPZ
BUBVOBJLTFCFTBS3Q USJMJVO HSFXCZ ZPZ
BOJODSFBTFGSPN3QUSJMMJPO
dibandingkan dengan Desember 2013. compared to the number in December 2013.
• Total Dana Pihak Ketiga (DPK) Bank Umum pada t 5PUBM UIJSE QBSUZ GVOET %1,
PG $PNNFSDJBM #BOLT JO
%FTFNCFSUVNCVITFCFTBS ZPZ
BUBVOBJL %FDFNCFS HSFX CZ ZPZ
BO JODSFBTF PG
TFCFTBS3Q USJMJVOEJCBOEJOHLBOEFOHBO%FTFNCFS 3Q USJMMJPO DPNQBSFE UP UIF OVNCFS JO %FDFNCFS
2013. 2013.
• Total Kredit Bank Umum pada Desember 2014 tumbuh • Total Loans of Commercial Banks in December 2014
TFCFTBS ZPZ
BUBVOBJLTFCFTBS3Q USJMJVO HSFX CZ ZPZ
BO JODSFBTF PG 3Q USJMMJPO
dibandingkan dengan Desember 2013. compared to the number in December 2013.
• Kontribusi pertumbuhan Laba Bersih Bank Umum pada t $POUSJCVUJPO PG /FU *ODPNF HSPXUI PG DPNNFSDJBM CBOLT
%FTFNCFS IBOZB CFSTVNCFS EBSJ LFMPNQPL #BOL JO %FDFNCFS POMZ DBNF GSPN HSPVQPXOFE CBOLT
1FSTFSP EBO #BOL "TJOH ZBOH NBTJOHNBTJOH UFSDBUBU BOE GPSFJHO CBOLT XIJDI XFSF SFTQFDUJWFMZ SFDPSEFE
UVNCVI TFCFTBS ZPZ
VOUVL #BOL 1FSTFSP EBO UP HSPX CZ ZPZ
GPS -JNJUFE -JBCJMJUZ #BOLT BOE
UVNCVITFCFTBS ZPZ
VOUVLLFMPNQPL#BOL"TJOH ZPZ
GPS 'PSFJHO #BOLT XIFSFBT GPS PUIFS CBOLT
TFEBOHLBO VOUVL LFMPNQPL CBOL MBJOOZB NFOHBMBNJ the number declined.
penurunan. • Overall in December 2014, the performance of the
• Secara keseluruhan pada Desember 2014, kinerja Indonesian banking remained strong and with controlled
perbankan Indonesia tetap kuat dan dengan risiko kredit, DSFEJU NBSLFU BOE MJRVJEJUZ SJTLT BT XFMM BT NBJOUBJOFE
MJLVJEJUBT EBO QBTBS ZBOH DVLVQ UFSKBHB TFSUB LFUBIBOBO DBQJUBMSFTJMJFODFTVQQPSUFECZTUSPOHDBQJUBM
NPEBMZBOHUFSQFMJIBSBEJEVLVOHPMFINPEBMZBOHNBTJI
kuat.
MARKET SHARE ASET, TOTAL DPK & LABA EDQNEME·60$5.(76+$5(2)$66(76727$/

BERSIH bank bjb TERHADAP BANK UMUM DPK & NET PROFIT TO THE COMMERCIAL
BANKS
bank bjb Bank Umum/ Commercial Banks Market Share bank bjb
terhadap Bank Umum/
Pertumbuhan/Growth Pertumbuhan/Growth Market Share bjb bank to ¨
Realisasi/Realization Realisasi/Realization
Des/Dec 2013 - Des/Dec 2013 - commercial banks
POS KEUANGAN (Triliun/Trillion Rp) (Triliun/Trillion Rp)
Des/Dec 2014 Des/Dec 2014 (%)
FINANCIAL POST
Triliun/ Triliun/
Trillion % Trillion % %
2013 2014 2013 2014 2013 2014
Rp Rp
Total Aset/Total Assets 66,72 70,24 Ï 3,52 Ï 5,28% Ï Ï 13,34% 1,35% 1,25% Ð -0,10%
Giro/Current Account 16,36 21,53 Ï 5,17 Ï 31,58% Ï 42,80 Ï 5,05% 2,42% Ï
3VQJBI 16,17 21,34 • 5,17 • 31,99% • 35,35 t 2,84% 3,53% t
Valas/Forex 0,19 0,19 • (0,01) • -2,77% 284,31 • 7,45 t 0,07% 0,07% • 0,00%
Tabungan/Savings 11,78 12,43 Ï 0,65 Ï 5,51% 1.212,71 Ï 71,75 Ï Ð 0,00%
3VQJBI 11,74 12,38 • 0,64 • 5,49% 1.123,70 t t 1,04% 1,04% • 0,00%

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
107
bank bjb Bank Umum/ Commercial Banks Market Share bank bjb
terhadap Bank Umum/
Realisasi/Realization Realisasi/Realization
Des/Dec 2013 - Des/Dec 2013 - commercial banks
POS KEUANGAN (Triliun/Trillion Rp) (Triliun/Trillion Rp)
Des/Dec 2014 Des/Dec 2014 (%)
FINANCIAL POST
Triliun/ Triliun/
Trillion % Trillion % %
2013 2014 2013 2014 2013 2014
Rp Rp
Valas/Forex 0,04 0,04 • 0,01 • 14,09% t t 0,04% 0,04% • 0,00%
Deposito/Time Deposits 18,62 19,04 Ï 0,41 Ï 2,23% Ï Ï Ð -0,18%
3VQJBI 18,36 19,00 • 0,63 • 3,46% 1.331,53 • 310,22 • 23,30% 1,38% • -0,22%
Valas/Forex 0,26 0,04 • (0,22) • -83,99% t t 0,10% 0,01% • -0,08%
Total DPK/Total Third 46,76 52,99 Ï 6,23 Ï 13,32% 4.114,42 Ï 450,45 Ï 1,28% Ï 0,01%
Party Funds
3VQJBI 46,27 52,72 • 6,45 • 13,94% 3.025,15 3.434,58 t • 13,53% 1,53% 1,53% • 0,01%
Valas/Forex 0,49 0,27 • (0,22) • -44,62% • 41,02 t 0,08% 0,04% • -0,04%
Komposisi DPK (Nominal) bank bjb DPK (Nominal) bank umum Tren Market Share DPK
DPK (Nominal) 5IJSE1BSUZ'VOET /PNJOBM
5IJSE1BSUZ'VOET /PNJOBM
(Nominal)
Periode bank bjb Commercial Banks
Desember 2014/ Tren Market Share 5IJSE1BSUZ'VOET
Composition DPK /PNJOBM
(Nominal) Period 23,45%

December 2014
31,22%
40,62% 47,16%

2,42%

Tabungan Deposito Giro
2013 Giro Tabungan Deposito
Savings Time Deposits Current Account
Current Account Savings Time Deposits
Des 2013 Des 2014 Triliun Rp % Des 2013 Des 2014 Triliun Rp % Des 2013 Des 2014 %
Laba Bersih/Net Income 1,74 1,14 Ð
Ð -34,77% Ï 5,45 Ï 5,11% 1,01% Ð
• Konsentrasi pembukaan KC Bank Umum mulai tersebar t 5IF DPODFOUSBUJPO PG CSBODI PGmDF PQFOJOHT PG
LF [POB ZBOH NFNJMJLJ UJOHLBU LFKFOVIBO CBOL ZBOH Commercial Bank began to spread to the zone with lower
MFCJI SFOEBI ;POB EBO
TFJSJOH EFOHBO CBOL TBUVSBUJPO MFWFM ;POFT BOE
BMPOH XJUI
EJCFSMBLVLBOOZB1#*/P1#*UFOUBOHiMultiple UIF FOBDUNFOU PG #BOL *OEPOFTJB 3FHVMBUJPO /P
LicensewQBEBBLIJSUBIVO)BMUFSTFCVUCFSEBNQBL PBI/2012 on “Multiple License” at the end of 2012. This has
QBEB QFOJOHLBUBO QFOHIJNQVOBO QFOZBMVSBO EBOB an impact on the increase in the collection, disbursement
pembukaan kantor cabang pada zona tersebut. of funds and the opening of branches in the zones.
• Fungsi intermediasi bank bjb pada zona 3 semakin • bank bjb’s intermediation function in zone 3 is increasing
NFOJOHLBU EFOHBO QFSUVNCVIBO TFCFTBS XJUIHSPXUIPGUIVTUIFDSFEJUNBSLFUTIBSFPGCBOL
sehingga pangsa pasar kredit bank bjb di zona 3 naik bjbJO[POFSPTFCZUP
sebesar 0,08% menjadi sebesar 0,20%. • The growth of bank bjb’s assets is under the growth of the
• Pertumbuhan aset bank bjb berada di bawah pertumbuhan assets of commercial banks thus the market share of bank
aset Bank Umum sehingga market share aset bank bjb bjbTBTTFUTEFDSFBTFECZ ZPZ

NFOHBMBNJQFOVSVOBOTFCFTBS ZPZ
• The high growth of bank bjb’s demand deposits at 31.58%
• Pertumbuhan giro bank bjb ZBOH UJOHHJ ZBJUV TFCFTBS further strengthened the market share of bank bjb’s
31,58% semakin memperkuat market share giro bank bjb demand deposits to the demand deposits of Commercial
UFSIBEBQ HJSP #BOL 6NVN ZBOH KVHB NFOJOHLBU #BOL XIJDI BMTP JODSFBTFE BOE BMTP BEEFE UIF
dan semakin menambah komposisi dana murah bank bjb. composition of bank bjb’s low cost funds.
• DPK bank bjb pada Desember 2014 tumbuh sebesar • bank bjbT UIJSE QBSUZ GVOET JO %FDFNCFS HSFX CZ
ZPZ
NFOKBEJ3Q USJMJVOEFOHBOQFOJOHLBUBO ZPZ
UP3QUSJMMJPOXJUIBOJODSFBTFJONBSLFU
market share terhadap DPK Bank Umum sebesar 0,01% TIBSFUPXBSETUIFUIJSEQBSUZGVOETPGDPNNFSDJBMCBOLT

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
ZPZ
(JSP 3VQJBI CBOL bjb merupakan salah satu BNPVOUFE UP ZPZ
CBOL bjb’s demand deposit
komponen DPK dengan angka pertumbuhan tertinggi EFOPNJOBUFEJO3VQJBIJTPOFDPNQPOFOUJOEFQPTJUTXJUI
ZBJUV UVNCVI TFCFTBS ZPZ
EFOHBO LFOBJLBO UIFIJHIFTUHSPXUISBUF OBNFMZHSFXCZ ZPZ
XJUI
market shareUFSIBEBQ(JSP3VQJBI#BOL6NVNTFCFTBS BOJODSFBTFPGNBSLFUTIBSFBHBJOTUUIF3VQJBIEFNBOE
ZPZ
EFQPTJUJTPG$PNNFSDJBM#BOLTPG ZPZ

• Pertumbuhan laba bersih Bank Umum pada Desember t 5IFHSPXUIPGOFUQSPmUPGDPNNFSDJBMCBOLTJO%FDFNCFS
UVNCVITFCFTBS ZPZ
TFEBOHLBOMBCBCFSTJI XBT ZPZ
XIJMFUIFCBOL bjbTOFUQSPmUHSPXUI
bank bjb mengalami penurunan pertumbuhan sebesar EFDSFBTFECZ ZPZ
6OEFSUIFTFDPOEJUJPOT UIF
ZPZ
#FSEBTBSLBOLPOEJTJUFSTFCVU market share market share of bank bjb’s assets against the asset’s of
aset bank bjb terhadap aset Bank Umum adalah sebesar DPNNFSDJBM CBOLT BNPVOUFE UP PS EFDMJOFE CZ
BUBV UVSVO TFCFTBS ZPZ
EJCBOEJOHLBO ZPZ
DPNQBSFEUP%FDFNCFS
dengan Desember 2013.
MARKET SHARE KREDIT bank bjb TERHADAP EDQN EME·6 &5(',7 0$5.(7 6+$5( $*$,167
BANK UMUM THE CREDIT MARKET SHARE OF COMMERCIAL
BANKS
bank bjb Bank Umum/Commercial Banks Market Share bank bjb
terhadap Bank Umum/
Realisasi/3FBMJ[BUJPO Realisasi/3FBMJ[BUJPO
POS KEUANGAN Des/Dec 2013 - Des/Dec 2013 - commercial banks
(Triliun/Trillion Rp) (Triliun/Trillion Rp)
'*/"/$*"-1045 Des/Dec 2014 Des/Dec 2014 (%)
Des/Dec Des/Dec Triliun/Trillion Des/Dec Des/Dec Triliun/Trillion Des/Dec Des/Dec
% % %
2013 2014 Rp 2013 2014 Rp 2013 2014
Total Kredit (Menurut Jenis Penggunaan) 45,11 Ï 4,14 Ï Ï 381,43 Ï 11,58% 1,37% 1,34% Ð -0,03%
5PUBM-PBO #BTFEPO5ZQFPG6UJMJ[BUJPO
Kredit Modal Kerja/Working Capital Loan Ð (1,18) Ð 1.757,45 Ï Ï 10,83% 0,44% Ð -0,12%
Kredit Investasi/Investment Loan 3,41 Ï 0,23 Ï Ï 105,04 Ï 0,43% 0,40% Ð -0,02%
Kredit Konsumsi/Consumption Loan 32,84 Ï 5,10 Ï 15,51% Ï Ï 11,51% 3,74% Ï 0,13%
Total Kredit (Menurut Jenis Valuta) 45,11 Ï 4,14 Ï Ï 381,43 Ï 11,58% 1,37% 1,34% Ð -0,03%
5PUBM-PBO #BTFEPO$VSSFODZ
3VQJBI 44,75 Ï 4,34 Ï 2.720,50 Ï Ï 12,40% Ð -0,04%
Valas/Forex 0,24 0,17 Ð (0,07) Ð 572,37 Ï Ï 0,04% 0,03% Ð -0,01%
Total Kredit (Menurut Sektor Ekonomi) 45,11 Ï 4,14 Ï Ï 381,43 Ï 11,58% 1,37% 1,34% Ð -0,03%
Total Loan (Based on Economic Sector)
Pertanian, Perburuan, dan Kehutanan 0,82 Ð (0,14) Ð Ï 35,22 Ï 0,54% Ð
"HSJDVMUVSF )VOUJOH BOE'PSFTUSZ
Perikanan/Fisheries 0,05 0,05 Ð (0,00) Ð -8,54% 7,70 Ï 1,31 Ï 20,45% Ð
Pertambangan dan Penggalian 0,10 0,05 Ð (0,05) Ð -50,42% 141,82 Ï 15,00 Ï 11,83% 0,08% 0,03% Ð -0,04%
.JOJOHBOE2VBSSZJOH
Industri Pengolahan/1SPDFTTJOH*OEVTUSZ 1,50 Ï 0,21 Ï 577,88 Ï Ï 14,30% 0,22% 0,23% Ï 0,00%
Listrik, Gas, dan Air/Electric, Gas and 0,28 Ð (0,01) Ð 81,13 Ï Ï 0,37% 0,35% Ð -0,02%
Water
Konstruksi/Construction 2,58 Ï Ï 33,47% 147,27 Ï 31,18 Ï 1,75% Ï
Perdagangan Besar & Eceran 4,50 3,54 Ð
Ð -21,31% Ï Ï 0,70% Ð -0,20%
8IPMFTBMF3FUBJM
1FOZFEJBBO"LPNPEBTJ1FOZFEJBBO 0,08 Ð (0,02) Ð -21,73% 73,58 Ï 14,28 Ï 24,07% 0,14% Ð -0,05%
Makan Minum/Provision of Accomodation
and Provision of Food and Beverages
Transportasi, Pergudangan, dan 0,25 0,22 Ð (0,03) Ð -10,75% 171,81 Ï Ï 5,13% 0,15% 0,13% Ð -0,02%
Komunikasi/Transportation, Warehousing,
and Communication
Perantara Keuangan/Financial Intermediaries - - Ï - n/a 151,15 Ï 15,03 Ï 0,00% 0,00% Ä 0,00%
3FBMFTUBUF 6TBIB1FSTFXBBO +BTB 2,57 2,02 Ð (0,55) Ð Ð (27,72) Ð -14,35% 1,33% 1,22% Ð -0,11%
1FSVTBIBBO3FBMFTUBUF 3FOUBM#VTJOFTT
4FSWJDFT$PNQBOZ
Administrasi Pemerintahan & Pertahanan - - Ä - n/a 12,48 11,00 Ð (1,47) Ð -11,81% 0,00% 0,00% Ä 0,00%
Government Administration & Defence
Jasa Pendidikan/Education Services 0,03 0,02 Ð (0,01) Ð 5,48 Ï 1,17 Ï 21,38% 0,58% 0,34% Ð -0,24%
+BTB,FTFIBUBO,FHJBUBO4PTJBM)FBMUI 0,04 0,02 Ð (0,01) Ð 10,15 12,32 Ï 2,17 Ï 0,35% 0,18% Ð -0,18%
& Social Services
+BTB,FNBTZBSBLBUBO4PTJBM#VEBZB 0,17 0,14 Ð (0,03) Ð Ï 13,88 Ï 25,78% 0,31% 0,20% Ð -0,11%
-BJOOZB$PNNVOJUZ4FSWJDFT0UIFS
Socio-Cultural Services

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
109
bank bjb Bank Umum/Commercial Banks Market Share bank bjb

terhadap Bank Umum/
Realisasi/3FBMJ[BUJPO Realisasi/3FBMJ[BUJPO
POS KEUANGAN Des/Dec 2013 - Des/Dec 2013 - commercial banks
(Triliun/Trillion Rp) (Triliun/Trillion Rp)
'*/"/$*"-1045 Des/Dec 2014 Des/Dec 2014 (%)
Des/Dec Des/Dec Triliun/Trillion Des/Dec Des/Dec Triliun/Trillion Des/Dec Des/Dec
% % %
2013 2014 Rp 2013 2014 Rp 2013 2014
+BTB1FSPSBOHBOZBOH.FMBZBOJ3VNBI - - Ä - n/a 1,54 2,22 Ï Ï 44,43% 0,00% 0,00% Ä 0,00%
Tangga/Individual Services Serving
)PVTFIPMET
Badan Internasional & Badan Ekstra - - Ä - n/a 0,32 0,21 Ð (0,11) Ð 0,00% 0,00% Ä 0,00%
*OUFSOBTJPOBM-BJOOZB*OUFSOBUJPOBM
Agencies & Other Extras of International
Agencies
,FHJBUBOZBOH#FMVN+FMBT#BUBTBOOZB - - Ä - n/a Ï Ï 0,00% 0,00% Ä 0,00%
Activites with Unclear Limitations
3VNBI5BOHHB)PVTFIPMET 3,85 4,31 Ï Ï 12,03% 832,75 Ï 144,70 Ï 21,03% 0,52% Ð -0,04%
#VLBO-BQBOHBO6TBIB/PO#VTJOFTT 28,88 Ï 4,75 Ï 222,07 Ð
Ð -18,53% 13,00% Ï
Total Kredit UMKM (Menurut Skala Usaha) Ð (1,10) Ð -22,04% Ï Ï 10,33% 0,82% 0,58% Ð -0,24%
Total SME Loan (Based on Business Scale)
Kredit Mikro/Micro Credit 3,70 Ð (1,04) Ð -28,21% 140,27 Ï 21,38 Ï 3,11% Ð -1,22%
Kredit Kecil/Small Credit 1,22 1,13 Ð
Ð Ï Ï 8,37% Ð -0,10%
Kredit Menengah/Middle Credit 0,08 0,11 Ï 0,03 Ï 45,51% 303,55 Ï Ï 8,54% 0,02% 0,03% Ï 0,01%
t 4FLUPS ZBOH QBMJOH CBOZBL NFOZFSBQ LSFEJU QFSCBOLBO • Sectors which absorb most of the banking credit are
adalah sektor rumah tangga, perdagangan besar & the household sector, large and retail trade, as well as
eceran, serta industri pengolahan dengan total proporsi UIF QSPDFTTJOH JOEVTUSZ XJUI B UPUBM QSPQPSUJPO PG DSFEJU
LSFEJU TFCFTBS EBSJ UPUBM LSFEJU #BOL VNVN BNPVOUJOH UP PG UIF UPUBM DSFEJU PG DPNNFSDJBM
Sedangkan pada bank bjb QFOZBMVSBO LSFEJU CBOL bjb banks. Meanwhile in bank bjb, the disbursement of
didominasi oleh sektor bukan lapangan usaha dengan MPBOT JT EPNJOBUFE CZ UIF OPOCVTJOFTT TFDUPS XJUI UIF
QSPQPSTJ LSFEJU TFCFTBS EBSJ UPUBM LSFEJU CBOL QSPQPSUJPOPGDSFEJUBNPVOUJOHUPPGUIFUPUBMDSFEJU
bjb EFOHBO QFSUVNCVIBO LSFEJU ZBOH DVLVQ UJOHHJ ZBJUV PGUIF#BOLXJUIIJHIDSFEJUHSPXUIOBNFMZBOEB
TFCFTBS TFSUBmarket shareTFCFTBS NBSLFUTIBSFPG
• Secara keseluruhan pada TW IV 2014, sektor pertanian • Overall in Quarter IV of 2014, the agricultural sector grew
UVNCVINFMBNCBUTFCBHBJEBNQBLEBSJNFOVSVOOZBMVBT slower as the impact of the decrease in rice harvesting area
panen padi terkait dengan pengalihan lahan ke jagung BTTPDJBUFEXJUIUIFUSBOTGFSPGMBOEGPSDPSOBOETPZCFBOT
dan kedelai. Sekor industri juga tercatat tumbuh melambat The industrial sector also recorded slower growth in line
TFKBMBO EFOHBO LFDFOEFSVOHBO NFMFNBIOZB LPOTVNTJ with the downward trend in private consumption and the
TXBTUB EBO NFMBNCBUOZB FLTQPS EJ QFOHIVKVOH 5BIVO slowdown of export at the end of 2014.
2014. • bank bjbT DSFEJU EFOPNJOBUFE JO 3VQJBI JO %FDFNCFS
• Kredit bank bjb EFOHBO NBUB VBOH 3VQJBI QBEB HSFX CZ ZPZ
NFBOXIJMF GPSFJHO DVSSFODZ
%FTFNCFSUVNCVITFCFTBS ZPZ
TFEBOHLBO EFOPNJOBUFEMPBOTSFDPSEFEBEFDMJOFJOHSPXUIPG
kredit dalam mata uang valas tercatat mengalami ZPZ
*OUFSNTPGNBSLFUTIBSF CPUI3VQJBIBOE'PSFJHO
QFOVSVOBOQFSUVNCVIBOTFCFTBS ZPZ
%BSJTJTJ $VSSFODZ$SFEJUFRVBMMZEFDSFBTFECZ ZPZ
GPSUIF
market share CBJL LSFEJU 3VQJBI NBVQVO 7BMBT TBNB 3VQJBIEFOPNJOBUFEMPBOTBOEEFDSFBTFECZ ZPZ

sama mengalami penurunan share TFCFTBS ZPZ
GPSGPSFJHODVSSFODZMPBOT
VOUVLLSFEJU3VQJBIEBOUVSVOTFCFTBS ZPZ
VOUVL • For MSME loans in December 2014, MSME loans of
kredit valas. $PNNFSDJBM #BOLT SFDPSEFE B HSPXUI PG ZPZ

• Untuk kredit UMKM pada Desember 2014, kredit UMKM OBNFMZ UIF DPOUSJCVUJPO PG UIF HSPXUI PG .4.& MPBOT UP
Bank Umum mencatatkan pertumbuhan sebesar 10,33% BOZCVTJOFTTTDBMF.FBOXIJMFJOCBOLbjb JODSFBTFPOMZ
ZPZ
ZBOH NFSVQBLBO LPOUSJCVTJ EBSJ QFSUVNCVIBO occurred in lending to medium-scaled enterprises which
kredit UMKM untuk setiap skala usaha. Sedangkan pada HSFXPWFSUIFQSFWJPVTZFBS
bank bjb QFOJOHLBUBO IBOZB UFSKBEJ QBEB QFOZBMVSBO
LSFEJUVOUVLTLBMBVTBIBNFOFOHBIZBOHUVNCVI
EJCBOEJOHLBOUBIVOTFCFMVNOZB

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
KONSUMER
CONSUMER

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
111
CONSUMER
1BEB UBIVO UFLBOBO UFSIBEBQ EBZB CFMJ NBTZBSBLBU *O QSFTTVSFPOQVSDIBTJOHQPXFSXBTRVJUFTJHOJmDBOU
DVLVQ CFTBS NFOHJOHBU JOnBTJ NBTJI UJOHHJ ZBJUV TFCFTBS DPOTJEFSJOH UIF IJHI JOnBUJPO OBNFMZ BU UIF MFWFM PG
4BMBITBUVQFNJDVVUBNBOZBBEBMBILFOBJLBOIBSHB One of the main drivers was the increase in fuel prices in
CBIBOCBLBSNJOZBLQBEB/PWFNCFS /PWFNCFS
*OEJLBTJ NFMFNBIOZB EBZB CFMJ NBTZBSBLBU TBMBI TBUVOZB One of the indications of the weakening purchasing power
EJUVOKVLBONFMBMVJIBTJM4VSWFJ,POTVNFOZBOHEJMBLVLBOPMFI XBT UIF SFTVMUT PG $POTVNFS 4VSWFZ DPOEVDUFE CZ UIF
Badan Pusat Statistik (BPS). Pada survei Desember 2014, $FOUSBM #VSFBV PG 4UBUJTUJDT #14
*O UIF TVSWFZ DPOEVDUFE
*OEFLT,FZBLJOBO,POTVNFOUFSDBUBUTFCFTBS UVSVO JO%FDFNCFS UIF$POTVNFS$POmEFODF*OEFYTUPPEBU
QPJOEJCBOEJOHLBOJOEFLTTFCFMVNOZB PSEFDSFBTFECZQPJOUTDPNQBSFEUPUIFQSFWJPVT
index.
)BTJM TVSWFJ JOJ NFNQFSMJIBULBO QFSLFNCBOHBO EBO 5IF SFTVMUT PG UIJT TVSWFZ TIPXFE UIBU UIF EFWFMPQNFOU BOE
FLTQFLUBTJ LPOTVNTJ NBTZBSBLBU ZBOH EJQFOHBSVIJ PMFI FYQFDUBUJPOTPGUIFDPNNVOJUZTDPOTVNQUJPOJTJOnVFODFECZ
QBOEBOHBOOZB UFSIBEBQ TJUVBTJ FLPOPNJ )BTJM TVSWFJ UIFJSWJFXPOUIFFDPOPNJDTJUVBUJPO5IFSFTVMUTPGUIFTVSWFZ
Desember tersebut mengungkapkan, salah satu pengaruh performed in December revealed that one of the factors
ZBOHNFOFLBOLPOTVNTJNBTZBSBLBUBEBMBILFOBJLBOIBSHB suppressing consumption was the rise of subsidized fuel
CBIBOCBLBSNJOZBLCFSTVCTJEJ prices.
,POEJTJ JOJ TFKBMBO EFOHBO QFSMBNCBUBO ZBOH UFSKBEJ QBEB This condition was in line with the slowdown that occurred in
QFOZBMVSBO LSFEJU LPOTVNTJ #BOL *OEPOFTJB NFODBUBU consumer lending. Bank Indonesia noted that consumer loans
CBIXBLSFEJULPOTVNTJZBOHEJSFBMJTBTJLBOPMFICBOLVNVN SFBMJ[FECZDPNNFSDJBMCBOLTEVSJOHUIFZFBSSFBDIFE
TFQBOKBOHUBIVONFODBQBJ3Q USJMJVO NFOJOHLBU 3Q USJMMJPO BO JODSFBTF PG PWFS UIF QSFWJPVT
EJCBOEJOHLBO UBIVO TFCFMVNOZB 4FNFOUBSB QBEB ZFBS.FBOXIJMFJO DPOTVNFSMPBOTHSFXCZ
UBIVO QFSUVNCVIBOLSFEJULPOTVNTJTFCFTBS

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
KONSUMER
4FEBOHLBOEJ#1% SFBMJTBTJQFOZBMVSBOEBOBVOUVLLPOTVNTJ Meanwhile in regional credit banks (BPD), the actual

QBEBUBIVOTFCFTBS3Q USJMJVO+JLBEJCBOEJOHLBO distribution of funds for consumption in 2014 amounted to
UBIVOTFCFMVNOZBNFOHBMBNJLFOBJLBO 4FEBOHLBO 3Q USJMMJPO BO JODSFBTF PG DPNQBSFE UP UIF
QBEBUBIVOEJCBOEJOHLBOUBIVO QFSUVNCVIBOOZB QSFWJPVT ZFBS 8IFSFBT JO HSPXUI SFBDIFE
NFODBQBJ compared to 2012.
Untuk penghimpunan Dana Pihak Ketiga (DPK) di bank umum, 'PS UIF DPMMFDUJPO PG UIJSE QBSUZ GVOET %1,
JO DPNNFSDJBM
QBEBBLIJSUBIVOKVNMBIOZBNFODBQBJ3Q USJMJVO CBOLT CZ UIF FOE PG UIF OVNCFS SFBDIFE 3Q
+VNMBI UFSTFCVU NFOHBMBNJ LFOBJLBO EJCBOEJOHLBO USJMMJPOPSBOJODSFBTFPGDPNQBSFEUP"TGPSUIF
tahun 2013. Sementara untuk tahun 2013 dibandingkan tahun ZFBSHSPXUIXBTIJHIFSOBNFMZDPNQBSFEUPUIF
QFSUVNCVIBOOZBMFCJIUJOHHJ ZBJUV ZFBS
STRATEGI STRATEGY
%BMBN TJUVBTJ QFSFLPOPNJBO ZBOH LVSBOH NFOEVLVOH In the unfavorable economic situation, the Bank has
tersebut, bank bjb telah mengimplementasikan strategi implemented strategies to maintain the performance of
guna mempertahankan kinerja segmen konsumer agar tetap consumer segment in order to remain well. Throughout 2014,
berjalan dengan baik. Sepanjang tahun 2014, sejumlah BOVNCFSPGJOJUJBUJWFTXFSFJNQMFNFOUFE JODMVEJOH
JOJTJBUJGZBOHEJKBMBOLBO EJBOUBSBOZB
A. Strategi produk A. Strategy on Product

Agar mampu menarik minat nasabah, bank bjb To be able to attract customers, bank bjb created third
NFODJQUBLBO QSPEVL %BOB 1JIBL ,FUJHB %1,
ZBOH QBSUZGVOET %1,
QSPEVDUTXIJDIBSFDPNQFUJUJWFBOEDBO
bersaing dan dapat memenuhi kebutuhan nasabah. NFFU DVTUPNFST OFFET *O FBSMZ UIF #BOL JTTVFE
Pada awal tahun 2014, bank bjb mengeluarkan produk a new savings products in order to expand the market
tabungan baru dalam rangka memperluas segmen segment and as a concern of bank bjb in performing
pasar dan sebagai bentuk kepedulian bank bjb dalam CBOLJOH FEVDBUJPO GSPN BO FBSMZ BHF OBNFMZ bjb
melakukan edukasi perbankan sejak usia dini kepada 5BOEBNBUB.Z'JSTU
NBTZBSBLBUEFOHBOOBNBbjb5BOEBNBUB.Z'JSTU
B. Pricing Strategy B. Pricing Strategy

Bersamaan dengan strategi pengembangan produk, "MPOH XJUI UIF QSPEVDU EFWFMPQNFOU TUSBUFHZ CBOL bjb
bank bjb melakukan evaluasi terhadap penetapan suku FWBMVBUFE UIF JOUFSFTU SBUF PG UIF UIJSE QBSUZ GVOET UP
CVOHB %1, ZBOH EBQBU EJCFSJLBO LFQBEB OBTBCBI )BM be given to customers. This was conducted so that the
JOJ EJMBLVLBO BHBS QSPEVL ZBOH EJLFMVBSLBO 1FSVTBIBBO QSPEVDUTJTTVFECZUIF$PNQBOZDBODPNQFUFJOJOUFOTF
EBQBUCFSTBJOHEJUFOHBILPNQFUJTJZBOHLFUBU,FCJKBLBO DPNQFUJUJPO5IJTQPMJDZXBTUBLFOXJUIEVFSFHBSEUPUIF
ini diambil dengan memperhatikan kondisi internal bank internal condition of the Bank and the market.
serta market.
C. Pemasaran Terpadu C. Integrated Marketing

Agar mampu menjangkau nasabah lebih luas, bank bjb To be able to reach a wider customer, bank bjb also
KVHB NFOHFNCBOHLBO NPEFM QFNBTBSBO UFSQBEV ZBOH developed a model of integrated marketing undertaken
dilakukan dengan sejumlah pihak. Strategi ini membuat XJUIBOVNCFSPGQBSUJFT5IJTTUSBUFHZJTJOUFOEFEUPFBTF
QFOFUSBTJQBTBSZBOHEJMBLVLBOPMFI1FSVTBIBBONFOKBEJ UIFNBSLFUQFOFUSBUJPOQFSGPSNFECZUIF$PNQBOZ
lebih mudah.
4FKVNMBI JOJTJBUJG TUSBUFHJ TFQBOKBOH UBIVO ZBOH A number of strategic initiatives undertaken during the
EJKBMBOLBOBEBMBI ZFBSXFSF

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
113
CONSUMER
1. Kerja sama penghimpunan DPK dengan pihak 1. Cooperation with third parties in acquiring third
ketiga party funds
Kerja sama dilakukan dengan pemerintah (Business to Cooperation is established with the government
Government) maupun dengan dunia usaha (Business (Business to Government) as well as with the business
to Business
"EBQVO SFBMJTBTJOZB TFQBOKBOH UBIVO (Business to Business), with the following realizations
BEBMBI UISPVHIPVU
• Kerja sama dengan Kementerian Pendidikan t 8PSL DMPTFMZ XJUI UIF .JOJTUSZ PG &EVDBUJPO BOE
EBO ,FCVEBZBBO EBMBN IBM QFOZBMVSBO EBOB Culture in terms of the distribution of allowance
UVOKBOHBOHVSV TFSUJmLBTJ
TFOJMBJ3QUSJMJVO GVOETGPSUFBDIFST DFSUJmDBUJPO
XPSUI3QUSJMMJPO
• Kerja sama dengan Dinas Pendidikan Provinsi t 8PSL DMPTFMZ XJUI UIF %FQBSUNFOU PG &EVDBUJPO
+BXB#BSBUEBO#BOUFOUFSLBJUEFOHBOQFOZBMVSBO of West Java Province and Banten related to the
EBOB CBOUVBO PQFSBTJPOBM TFLPMBI TFOJMBJ 3Q distribution of school operational funds worth
triliun. 3QUSJMMJPO
• Kerja sama dengan Dinas Pendidikan Provinsi t 8PSLDMPTFMZXJUIUIF%FQBSUNFOUPG&EVDBUJPOPG
+BXB #BSBU UFSLBJU EFOHBO QFOZBMVSBO #BOUVBO West Java Province associated with the distribution
4PTJBM#VLVTFOJMBJ3Q NJMJBS of the social assistance in the form of books worth
• Kerja sama dengan Dinas Pendidikan Provinsi 3QCJMMJPO
+BXB #BSBU UFSLBJU EFOHBO QFOZBMVSBO #BOUVBO t 8PSLDMPTFMZXJUIUIF%FQBSUNFOUPG&EVDBUJPOPG
4PTJBM1FOEBNQJOHBOTFOJMBJ3Q NJMJBS West Java Province associated with the distribution
• Kerja sama dengan PT Taspen (Persero) dalam PGUIF4PDJBM"TTJTUBODFXPSUI3QCJMMJPO
IBMQFNCBZBSBOUBCVOHBOIBSJUVB UBCVOHBOIBSJ t $PPQFSBUF XJUI 15 5"41&/ 1FSTFSP
SFUJSFNFOU
tua Multiguna dan pensiun melalui rekening bank. savings and multipurpose retirement savings
5PUBMQFOZBMVSBOEBOBQFOTJVOTFMBNBUBIVO through bank accounts. The total distribution of
BEBMBITFCFTBS3Q NJMJBS QFOTJPO GVOET EVSJOH BNPVOUFE 3Q
billion.
2. Pendekatan komunitas (Community Marketing) 2. Community Approach (Community Marketing)

Pada akhir Tahun 2014, bank bjb bekerja sama At the end of 2014, the Bank cooperated with
dengan PT Persib Bandung Bermartabat untuk PT Persib Bandung Bermartabat for the membership
LFBOHHPUBBO LMVC TFQBLCPMB 1FSTJC #BOEVOH ZBOH of Persib Bandung football club which can be obtained
diperoleh melalui pembukaan rekening tabungan CZ PQFOJOH B TBWJOHT BDDPVOU CBOL bjb Tandamata
bank bjb Tandamata dan mendapatkan fasilitas ATM BOEBDRVJSFTUIFGBDJMJUZPG"5.$P#SBOEJOHCBOLbjb
Co-Branding bank bjb dengan desain khusus Persib. with special design.
3. Promosi 3. Promotion
Kegiatan promosi untuk menarik minat nasabah Promotional activities to attract customers are included
UFSNBTVL TUSBUFHJ ZBOH EJKBMBOLBO PMFI CBOL bjb BT UIF #BOLT TUSBUFHZ UP NBJOUBJO BOE JNQSPWF
TFCBHBJ VQBZB NFNQFSUBIBOLBO EBO NFOJOHLBULBO QFSGPSNBODFJOUIFmFMEPGDPOTVNFS*O UIF#BOL
kinerja di bidang konsumer. Untuk tahun 2014, bank FTUBCMJTIFE BO FGGFDUJWFMZ JOUFHSBUFE BOE TVTUBJOBCMF
bjbUFMBINFOZVTVOTUSBUFHJQSPNPTJQSPHSBNTFDBSB QSPNPUJPOTUSBUFHZUISPVHI
FGFLUJGUFSQBEVEBOCFSLFTJOBNCVOHBONFMBMVJ t 5IF1SPHSBN1FUJL)BEJBICBOLbjb 2014-2015
t 1SPHSBN1FUJL)BEJBICBOLbjb 2014-2015 t 5IF 1SPHSBN XJUI EJSFDU QSJ[FT CKC 5BOEBNBUB
• Program berhadiah langsung bjb Tandamata Berjangka
Berjangka t 5IF 1SPHSBN (FCZBS "LIJS 5BIVO 4BWJOHT
t 1SPHSBN (FCZBS "LIJS 5BIVO #VOHB 5BCVOHBO interest the same as Time Deposits Interest)
Setingkat Deposito) t 5IF1SPHSBN)BEJBI4BOH+VBSB
t 1SPHSBN)BEJBI4BOH+VBSB

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
KONSUMER
KINERJA 2014 2014 PERFORMANCE
Dana Pihak Ketiga Funding

,POEJTJ QFSFLPOPNJBO ZBOH LVSBOH NFOEVLVOH UFSIBEBQ 5IF VOGBWPSBCMF FDPOPNJD DPOEJUJPO JO UIF CBOLJOH JOEVTUSZ
industri perbankan juga dirasakan oleh bank bjb. Pertumbuhan XBT BMTP GFMU CZ CBOL bjb 5IF HSPXUI PG UIJSE QBSUZ GVOET
penghimpunan Dana Pihak Ketiga (DPK) pada segmen (DPK) in the consumer segment experienced a slowdown,
LPOTVNFS JLVU NFOHBMBNJ QFSMBNCBUBO TBNB IBMOZB ZBOH TJNJMBSUPUIBUFYQFSJFODFECZDPNNFSDJBMCBOLT
dialami oleh bank umum.
5PUBM %1, ZBOH CFSIBTJM EJCVLVLBO PMFI 1FSVTBIBBO QBEB 5PUBM EFQPTJUT TVDDFTTGVMMZ QPTUFE CZ UIF $PNQBOZ JO
UBIVO NFODBQBJ 3Q USJMJVO +JLB EJCBOEJOHLBO SFBDIFE 3Q USJMMJPO PS JODSFBTFE CZ XIFO
UBIVO ZBOH NFODBQBJ TFCFTBS 3Q USJMJVO CFSBSUJ DPNQBSFE UP UIF ZFBS XIJDI BNPVOUFE UP 3Q
NFOHBMBNJ LFOBJLBO ,FOBJLBO UFSCFTBS EJBMBNJ PMFI USJMMJPO 5IF MBSHFTU JODSFBTF XBT FYQFSJFODFE CZ $POTVNFS
QSPEVL%FQPTJUP,POTVNFSZBOHTFCFTBS 4FEBOHLBO Deposits products which amounted to 10.33%. Meanwhile
Giro Konsumer melemah 2,55%, namun Tabungan tetap naik Consumer Current Accounts fell 2.55%, however Savings still
5,51%. SPTFCZ
Dari sisi komposisi, sepanjang tahun 2014 produk Tabungan In terms of composition, throughout 2014 Savings provided the
memberikan kontribusi terbesar terhadap total DPK Konsumer MBSHFTU DPOUSJCVUJPO UP UIF UPUBM $POTVNFS 5IJSE 1BSUZ 'VOET
ZBOH NBTVL CBOL bjb ZBJUV 4FEBOHLBO (JSP of bank bjb OBNFMZ .FBOXIJMF $POTVNFS $VSSFOU
,POTVNFS EBO %FQPTJUP ,POTVNFS NBTJOHNBTJOH "DDPVOU BOE $POTVNFS %FQPTJUT SFTQFDUJWFMZ DPOUSJCVUFE
dan 24,55%. BOE
Berikut ini pencapaian DPK Konsumer dalam tiga tahun 5IFGPMMPXJOHUBCMFEFTDSJCFTUIF5IJSE1BSUZ'VOETBDRVJSFE

terakhir (2012-2014). JOUIFMBTUUISFFZFBST

3Q+VUB
3Q+VUB
No Dana Pihak Ketiga 2012 2013 2014 Third Party Fund
1 Giro Konsumer 358.484 330.841 Consumer Current Account
2 Tabungan 11.777.088 Savings
3 Deposito Konsumer Consumer Deposits
A. Giro A. Current Account

Untuk menjawab kebutuhan bisnis dan transaksi keuangan 5P BOTXFS UIF OFFET PG UIF CVTJOFTT BOE mOBODJBM
NBTZBSBLBU ZBOH UFSVT CFSLFNCBOH CBOL bjb memiliki transactions that continues to evolve, bank bjb provides
produk giro baik dalam mata uang rupiah maupun valas current accounts denominated in rupiah and foreign
ZBOHEBQBUEJBOEBMLBOEFOHBOKBTBHJSPZBOHNFOBSJL exchange reliable with attractive services.
bank bjbNFNJMJLJQSPEVLHJSP ZBJUVbjb(JSP3VQJBIEBO bank bjb QSPWJEFT UXP DVSSFOU BDDPVOUT OBNFMZ bjb
bjb (JSP 7BMBT )JOHHB BLIJS UBIVO HJSP LPOTVNFS (JSP3VQJBIBOECKC(JSP7BMBT#ZUIFFOEPG UIF
ZBOH CFSIBTJM EJCVLVLBO PMFI 1FSVTBIBBO NFODBQBJ $PNQBOZXBTBCMFUPQPTUDPOTVNFSEFNBOEEFQPTJUTPG
3Q NJMJBS +JLB EJCBOEJOHLBO EFOHBO LJOFSKB 3QCJMMJPO BDPOUSBDUJPOPGXIFODPNQBSFE
UBIVOZBOHNFODBQBJ3Q NJMJBS NFOHBMBNJ UP UIF QFSGPSNBODF JO XIJDI SFBDIFE 3Q
kontraksi sebesar 2,55%. billion,

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
115
CONSUMER
Berikut ini tabel pertumbuhan penghimpunan DPK Giro 5IF GPMMPXJOH UBCMF EFTDSJCFT UIF NPOUIMZ HSPXUI PG
Konsumer bulanan dalam tiga tahun terakhir (2012-2014). $POTVNFS%FNBOE%FQPTJUTJOUIFMBTUUISFFZFBST
2014).
Bulan/Month
Tahun/
Year
1 2 3 4 5 6 7 8 9 10 11 12
2014 -40,00% -10,33% 17,22% -13,34% 4,38% 3,38% -10,27% -3,27%
2013 7,32% -12,57% 11,22% -18,74% 3,14%
2012 -32,54% 7,80% 18,51% 18,20% -15,37% -2,51%
B. Tabungan B. Savings
Pada awal tahun 2014, dalam rangka memperluas *O FBSMZ JO PSEFS UP FYQBOE UIF NBSLFU TFHNFOU
segmen pasar dan melakukan edukasi perbankan sejak BOEQFSGPSNCBOLJOHFEVDBUJPOGSPNBOFBSMZBHFUPUIF
VTJB EJOJ LFQBEB NBTZBSBLBU CBOL bjb mengeluarkan public, bank bjb released products that are intended for
QSPEVL ZBOH EJQFSVOUVLBO CBHJ TFHNFO NBTZBSBLBU TFHNFOUT XJUI UIF BHF õ ZFBST DIJMESFO
XJUI UIF DBMM
EFOHBO VTJB õ 5BIVO BOBLBOBL
EFOHBO call name OBNFPGCKC5BOEBNBUB.ZmSTU
bjb5BOEBNBUB.ZmSTU
Secara keseluruhan, untuk memenuhi kebutuhan transaksi 0WFSBMM UP NFFU UIF DPNNVOJUZT OFFET PG UIF CBOLJOH
QFSCBOLBO NBTZBSBLBU CBOL bjb NFNJMJLJ QSPEVL transactions, bank bjbQSPWJEFTTBWJOHTQSPEVDUT
UBCVOHBO
• bjb Tandamata • bjb Tandamata

• bjb Tandamata Gold • bjb Tandamata Gold
• bjb Tandamata Bisnis • bjb Tandamata Bisnis
• bjb Tandamata Berjangka • bjb Tandamata Berjangka
• bjb Tandamata Purnabakti • bjb Tandamata Purnabakti
• bjb Tandamata Dollar • bjb Tandamata Dollar
• bjb5BOEBNBUB.ZmSTU • bjb5BOEBNBUB.ZmSTU
• Simpeda • Simpeda
• Tabunganku • Tabunganku
Dengan beragam pilihan produk tersebut, nasabah bank With the wide selection of products, the customers of the
bjb memiliki keleluasaan dalam menentukan pilihan. #BOLIBWFUIFnFYJCJMJUZJODIPPTJOHUIFWBSJPVTTFMFDUJPOT
)BM JOJ JLVU NFOEPSPOH LJOFSKB 1FSVTBIBBO EJ TFHNFO 5IJT DPOUSJCVUFE UP UIF $PNQBOZT QFSGPSNBODF JO
penghimpunan dana tabungan. acquiring savings funds.
4FQBOKBOH UBIVO EBOB UBCVOHBO ZBOH CFSIBTJM Throughout 2014, the savings funds able to be acquired
EJIJNQVO TFCFTBS 3Q USJMJVO BUBV UVNCVI SFBDIFE3QUSJMMJPO PSJODSFBTFECZDPNQBSFE
EJCBOEJOHLBO UBIVO ZBOH TFCFTBS 3Q USJMJVO UPUIFZFBS XIJDIBNPVOUFEUP3QUSJMMJPO5IF
1FSUVNCVIBO ZBOH CFSIBTJM EJDBQBJ UFSTFCVU CFSBEB EJ growth achieved was above the average of the growth of
BUBT SBUBSBUB QFSUVNCVIBO UBCVOHBO QBEB #1% ZBOH BPD savings, which amounted to 5.35%.
sebesar 5,35%.

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
KONSUMER
Berikut ini tabel pertumbuhan penghimpunan DPK 5IF GPMMPXJOH UBCMF EFTDSJCFT UIF NPOUIMZ HSPXUI PG
Tabungan bulanan dalam tiga tahun terakhir (2012-2014). TBWJOHTJOUIFMBTUUISFFZFBST

Bulan/Month
Tahun/
Year
1 2 3 4 5 6 7 8 9 10 11 12
2014 -11,31% 11,01% 5,50% 8,30%
2013 -5,77% 10,88% -2,23% -1,84% -2,15% -2,83% 12,23% 0,37% 28,02%
2012 17,43% -5,18% -2,13% 13,21%
C. Deposito C. Time Deposits

6OUVL LFCVUVIBO JOWFTUBTJ ZBOH BNBO EBO UFSQFSDBZB For the needs of safe and reliable investment with
EFOHBO UJOHLBU CVOHB ZBOH CFSTBJOH CBOL bjb memiliki competitive interest rate, bank bjb provides time deposits
QSPEVLEFQPTJUPZBOHCFSWBSJBTJTFTVBJEFOHBOLFCVUVIBO products varied according to the needs of the customers,
NBTZBSBLBU ZBJUV OBNFMZ
• bjb Deposito Berjangka • bjb Deposito Berjangka
• bjb Deposito Suka Suka • bjb Deposito Suka Suka
• bjb Deposito Valas • bjb Deposito Valas
• bjb Deposito Diskonto • bjb Deposito Diskonto
Kinerja penghimpunan deposito sepanjang tahun 2014 5IFQFSGPSNBODFUPBDRVJSFUJNFEFQPTJUTEVSJOHUIFZFBS

KVHBUVNCVIQPTJUJGTFCFTBS EBSJ3Q USJMJVO HSFX QPTJUJWFMZ CZ GSPN 3Q USJMMJPO
QBEB UBIVO NFOKBEJ 3Q USJMJVO QBEB UBIVO JO UP 3Q CJMMJPO JO 0O B NPOUIMZ CBTJT
4FDBSB CVMBOBO QFSUVNCVIBO UFSUJOHHJOZB UFSKBEJ the highest growth occurred in December, amounting to
QBEBCVMBO%FTFNCFS ZBJUVTFCFTBS 12.83%.
Berikut ini tabel pertumbuhan penghimpunan DPK 5IFGPMMPXJOHUBCMFEFTDSJCFTUIFNPOUIMZHSPXUIJOUJNF

Deposito bulanan dalam tiga tahun terakhir (2012-2014). EFQPTJUTJOUIFMBTUUISFFZFBST

Bulan/Month
Tahun/
Year
1 2 3 4 5 6 7 8 9 10 11 12
2014 8,04% 0,57% -0,55% 0,87% -7,27% -4,13% 1,45% 1,75% 2,07% 1,78% 12,83%
2013 -3,70% 2,42% -0,41% -0,38% -1,22% 3,01% 4,53%
2012 -32,54% 7,80% 18,51% 18,20% -15,37% -2,51%

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
117
CONSUMER
Rencana 2015 2015 Plan
Target Target
Perusahaan menargetkan penghimpunan Dana Pihak Ketiga *O UIF DPNQBOZ JT UBSHFUJOH BO JODSFBTF PG UIJSE QBSUZ
pada tahun 2015 dapat meningkat di kisaran 17% dengan funds in the range of 17% with a projected market share in
QSPZFLTJmarket shareEJLJTBSBO )BMJOJTFJSJOHEFOHBO the range of 1.30%. This is in line with expectations that the
ekspektasi bahwa perekonomian pada tahun 2015 akan jauh FDPOPNZ JO XJMM CF NVDI NPSF TUBCMF BOE CFUUFS UIBO
lebih stabil dan lebih baik dibandingkan realisasi tahun 2014. in 2014.
%BSJ TJTJ QSPEVL NBTJOHNBTJOH QFSUVNCVIBO ZBOH *O UFSNT PG QSPEVDUT UIF FYQFDUFE HSPXUI BSF %FNBOE
EJIBSBQLBO BEBMBI (JSP TFCFTBS 5BCVOHBO EBO %FQPTJUT CZ 4BWJOHT CZ BOE 5JNF %FQPTJUT CZ
%FQPTJUP
Strategi Pencapaian Achievement Strategy

Untuk mencapai target tersebut, bank bjbUFMBINFOZJBQLBO To achieve the targets, bank bjb has prepared a number of
TFKVNMBITUSBUFHJ EJBOUBSBOZBBEBMBI TUSBUFHJFT OBNFMZ
A. Strategi produk A. Strategy on Product

t .FODJQUBLBOQSPEVL%1,ZBOHCFSTBJOHZBOHEBQBU t $SFBUF5IJSE1BSUZ'VOETDPNQFUJOHQSPEVDUTUIBUDBO
memenuhi kebutuhan nasabah. meet customers’ needs.
t 1FOZFNQVSOBBO mUVS UBCVOHBO TFTVBJ EFOHBO t 3FmOF UIF GFBUVSFT PG UIF TBWJOHT QSPEVDUT JO
QFSLFNCBOHBOLFCVUVIBOOBTBCBIZBOHEJOBNJT BDDPSEBODF XJUI UIF EFWFMPQNFOU PG B EZOBNJD
customer needs.
B. Pricing Strategy B. Pricing Strategy
C. Pemasaran Terpadu C. Integrated Marketing

• Melakukan kerja sama penghimpunan DPK dengan • Perform cooperation with third-parties in acquiring
pihak ketiga 5IJSE1BSUZ'VOET
- Kerja sama Business to Government - Business to Government Partnership
- Kerja sama Business to Business - Business to Business Partnership
• Strategi pemasaran melalui pendekatan komunitas t 5IFNBSLFUJOHTUSBUFHZUISPVHIDPNNVOJUZBQQSPBDI
(Community Marketing) $PNNVOJUZ.BSLFUJOH
D. Promosi D. Promotion
.FOZVTVOTUSBUFHJQSPNPTJQSPHSBNTFDBSBFGFLUJGUFSQBEV Prepare effective, integrated and sustainable promotional
EBOCFSLFTJOBNCVOHBONFMBMVJ TUSBUFHJFTUISPVHI
t 1FOZFMFOHHBSBBO 1SPHSBN QSPNPTJ UBCVOHBO • Implementation Program savings promotion prizes
berhadiah langsung • Development of the program redeem poin
• Pengembangan program aplikasi redeem point • Product promotion through Above the Line dan Below
• Promosi produk secara Above the Line dan Below The The Line (coordinate with the related Divisions).
Line (berkoordinasi dengan Divisi Terkait).

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
KONSUMER
PEMBIAYAAN FINANCING
6OUVL UBIVO QFOZBMVSBO EBOB BUBV LSFEJU EJ TFLUPS For 2014, the distribution of funds or credit in the consumer
konsumsi, baik pada bank umum maupun BPD mengalami sector, both in the commercial banks and regional rural banks
QFSMBNCBUBO BLJCBU UFLBOBO UFSIBEBQ EBZB CFMJ NBTZBSBLBU (BPD) experienced a slowdown due to the pressure on the
ZBOH UVSVO &LTQFLUBTJ NBTZBSBLBU UFSIBEBQ TJUVBTJ purchasing power. Public expectation towards the economic
QFSFLPOPNJBO LVSBOH PQUJNJTUJT )BTJM 4VSWFJ ,POTVNFO TJUVBUJPOXBTMFTTPQUJNJTUJD$POTVNFS4VSWFZDPOEVDUFECZ
PMFI#BEBO1VTBU4UBUJTUJLNFOHPOmSNBTJLBOTJUVBTJJOJ ZBOH UIF$FOUSBM#VSFBVPG4UBUJTUJDTDPOmSNFEUIJTTJUVBUJPO TIPXO
ditunjukan melalui Indeks Tendensi Konsumen. UISPVHIUIF$POTVNFS5FOEFODZ*OEFY
*OEFLT QBEB %FTFNCFS ZBOH NJTBMOZB NFOHBMBNJ 5IF*OEFYPO%FDFNCFSXBTGPSFYBNQMF EFDSFBTFECZ

QFOVSVOBO QPJO EJCBOEJOHLBO JOEFLT TFCFMVNOZB QPJOUTDPNQBSFEUPUIFQSFWJPVTJOEFY5IFEFDMJOFJOUIF
1FOVSVOBO JOEFLT JOJ NFSVQBLBO TBMBI TBUV TJOZBM CBIXB index is one of the signals that pressured consumption.
NBTZBSBLBUNFOBIBOLPOTVNTJOZB
4JUVBTJJOJMBOHTVOHCFSEBNQBLUFSIBEBQQFOZBMVSBOLSFEJUEJ This situation provided direct impact on lending in the

sektor konsumsi. Data Bank Indonesia mengungkapkan bahwa consumer sector. Data from Bank Indonesia revealed that the
SFBMJTBTJQFOZBMVSBOEBOBVOUVLLPOTVNTJQBEBCBOLVNVN actual distribution of funds for consumption in commercial
IBOZB UVNCVI QBEB UBIVO NFOKBEJ 3Q CBOLT HSFX POMZ JO BOE CFDBNF 3Q
USJMJVO4FNFOUBSBQBEBUBIVOQFSUVNCVIBOOZBTFCFTBS USJMMJPO .FBOXIJMF JO UIF HSPXUI SFBDIFE BOE
EBO QBEBUBIVO JO
Kondisi serupa terjadi pada bank daerah atau BPD. Pada A similar situation occurred in the local bank or BPD. In 2014,
UBIVO LSFEJU LPOTVNTJ UVNCVI MFCJI SFOEBI DPOTVNFS DSFEJU HSFX CZ MPXFS UIBO UIF JO
EJCBOEJOHLBOUBIVOZBOH BUBVUBIVOZBOH 2013 or in 2012 which amounted to 24.14%.
sebesar 24,14%.
STRATEGI STRATEGY
)JOHHB UBIVO CBOL bjb UFMBI NFMVODVSLBO FOBN
Until 2014, bank bjb IBT MBVODIFE TJY
DPOTVNFS DSFEJU
QSPEVL LSFEJU LPOTVNFS VOUVL NFMBZBOJ LFCVUVIBO OBTBCBI products to serve the needs of the customers in various
dari berbagai kelas. classes.
1. bjb Kredit Guna Bhakti 1. bjb Kredit Guna Bhakti

1SPEVL JOJ NFSVQBLBO QFNCJBZBBO VOUVL EFCJUVS 5IJTQSPEVDUJTUIFmOBODJOHUPEFCUPSXJUImYFEJODPNF
CFSQFOHIBTJMBOUFUBQZBOHHBKJOZBUFMBIEJTBMVSLBONFMBMVJ XIPTF TBMBSZ IBT CFFO DIBOOFMFE UISPVHI CBOL bjb
bank bjb dan/atau tempat debitur bekerja telah memiliki BOEPSUIFQMBDFXIFSFUIFEFCUPSXPSLTBMSFBEZIBTBO
perjanjian dengan bank bjb 4VNCFS QFOHFNCBMJBOOZB agreement with bank bjb. The source of return is derived
CFSBTBMEBSJHBKJEFCJUVSZBOHEJHVOBLBOVOUVLLFQFSMVBO GSPNUIFTBMBSZPGUIFEFCUPSXIJDIJTVTFEGPSNVMUJQVSQPTF
konsumtif multiguna. consumptive purposes.
2. bjb Kredit Abdi Bhakti 2. bjb Kredit Abdi Bhakti

'BTJMJUBT LSFEJU ZBOH EJCFSJLBO TFDBSB LIVTVT LFQBEB 4QFDJBMDSFEJUGBDJMJUZHJWFOUPUIFFNQMPZFFTPGCBOLbjb.
pegawai bank bjb.
3. bjb Kredit Purna Bhakti 3. Credit bjb Purna Bhakti

1FNCJBZBBO ZBOH EJCFSJLBO PMFI CBOL bjb untuk debitur 'JOBODJOH QSPWJEFE CZ CBOL bjb to debtor with retired
dengan status pensiunan sendiri atau pensiunan janda/ TUBUVTPSSFUJSFEXJEPXXJEPXFSXIPTFQFOTJPOTBMBSZIBT

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
119
CONSUMER
EVEBZBOHHBKJQFOTJVOOZBUFMBIEJTBMVSLBONFMBMVJCBOL been channeled through bank bjb. The source of funds for
bjb4VNCFSEBOBVOUVLQFOHFNCBMJBOLSFEJUOZBCFSBTBM SFQBZNFOU PG DSFEJU DPNFT GSPN QFOTJPO CFOFmUT PG UIF
EBSJ NBOGBBU QFOTJVO EFCJUVS ZBOH EJHVOBLBO VOUVL debtors used for multipurpose consumptive purposes.
keperluan konsumtif multiguna.
4. bjb Back to Back Loan 4. bjb Back to Back Loan

1FNCJBZBBO ZBOH EJCFSJLBO PMFI CBOL bjb ZBOH 'JOBODJOHQSPWJEFECZCBOLbjb with cash collateral, either
KBNJOBOOZBCFSVQBBHVOBOLBTcash collateral CBJLZBOH in the form of savings, demand deposits, or time deposits.
berbentuk tabungan, giro, atau deposito.
5. bjb Kredit Pra Purna Bhakti 5. bjb Kredit Pra Purna Bhakti
1FNCJBZBBO VOUVL EFCJUVS CFSQFOHIBTJMBO UFUBQ ZBOH 'JOBODJOHGPSEFCUPSXJUImYFEJODPNFXIPTFTBMBSZIBT
HBKJOZB UFMBI EJTBMVSLBO NFMBMVJ CBOL bjb. Sumber been channeled through bank bjb. The source of return
QFOHFNCBMJBOOZBCFSBTBMEBSJHBKJEFCJUVSZBOHEJHVOBLBO JTEFSJWFEGSPNUIFTBMBSZPGUIFEFCUPSXIJDIJTVTFEGPS
untuk keperluan konsumtif multiguna dimana jangka waktu NVMUJQVSQPTFDPOTVNQUJWFQVSQPTFTXIFSFUIFmOBODJOH
QFNCJBZBBOEBQBUNFMJOUBTJNBTBQFOTJVOEFCJUVS period can surpass the debtor’s retirement period.
6. bjb Kredit Guna Bhakti Pola Channeling 6. bjb Kredit Guna Bhakti Pola Channeling
Pemberian fasilitas kredit kepada debitur dengan sumber 5IJTJTUIFDSFEJUGBDJMJUZQSPWJEFEGPSEFCUPSXJUITPVSDFTPG
QFOEBOBBOTFMVSVIOZBCFSBTBMEBSJQJIBLCBOLbjb ZBOH GVOEJOHFOUJSFMZDPNJOHGSPNCBOLbjb which is distributed
disalurkan oleh agen, dalam hal ini Lembaga Keuangan CZBOBHFODZ JOUIJTDBTF#BOL'JOBODJBM*OTUJUVUJPO #BOL
Bank (Bank Bengkulu dan Bank Sulselbar). Dana tersebut Bengkulu and Bank Sulselbar). The funds are channeled
EJTBMVSLBO LFQBEB QFHBXBJ CFSQFOHIBTJMBO UFUBQ ZBOH UP FNQMPZFFT XJUI mYFEJODPNF XIPTF TBMBSZ QBZNFOU
QFNCBZBSBO HBKJOZB EJMBLVLBO NFMBMVJ BHFO EBMBN IBM is performed through an agent, in this case the Bank
ini Lembaga Keuangan Bank (Bank Bengkulu dan Bank Financial Institutions (Bank Bengkulu and Bank Sulselbar).
Sulselbar).
1FSVTBIBBO NFOZBEBSJ CBIXB TFQBOKBOH UBIVO 5IF DPNQBOZ SFBMJ[FE UIBU UISPVHIPVU UIFSF XFSF B
UFSEBQBUTFKVNMBIUBOUBOHBOFLTUFSOBMZBOHIBSVTEJIBEBQJ number of external challenges that must be faced. Some of
#FCFSBQBEJBOUBSBOZBBEBMBIUFSLBJUEFOHBOSFUFOTJEFCJUVS the challenges were related to the retention of the debtor, the
LPOEJTJ FLPOPNJ NBTZBSBLBU ZBOH QBEB NPNFO UFSUFOUV FDPOPNJDDPOEJUJPOPGUIFDPNNVOJUZXIJDIBUUJNFTBGGFDUTUIF
mempengaruhi tingkat konsumsi, serta tingkat persaingan level of consumption, as well as the level of competition of the
LSFEJUTFKFOJTZBOHTFNBLJOLPNQFUJUJG TBNFUZQFPGDSFEJUXIJDICFDBNFJODSFBTJOHMZDPNQFUJUJWF
Menghadapi beragam tantangan tersebut, sejumlah strategi 'BDFE XJUI B WBSJFUZ PG DIBMMFOHFT B OVNCFS PG TUSBUFHJFT
ZBOHNFOKBEJGBLUPSQFOEVLVOHLJOFSKBQFNCJBZBBOLPOTVNFS which became contributing factors towards the performance
ZBOHEJKBMBOLBOTFMBNBUBIVO EJBOUBSBOZBBEBMBI PGDPOTVNFSmOBODJOHDPOEVDUFEEVSJOHJODMVEFE
" 1FOZFTVBJBO UJOHLBU TVLV CVOHB bjb Kredit Guna Bhakti A. Interest rate adjustments of bjb Kredit Guna Bhakti
dan bjb ,SFEJU 1SB 1VSOB #IBLUJ TFIJOHHB NFNQVOZBJ and bjb Kredit Pra Purna Bhakti, so as to have higher
EBZBTBJOHZBOHMFCJIUJOHHJ competitiveness.
# %JCFSMBLVLBOOZB QSPHSBNQSPHSBN LIVTVT CBHJ EFCJUVS B. The implementation of special programs for the debtors of
Kredit Guna Bhakti (KGB) bjb BOUBSBMBJO $SFEJU(VOB#IBLUJ ,(#
CKC BNPOHPUIFST

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
KONSUMER
1. Consumer Loan Loyalty Program $POTVNFS-PBO-PZBMUZ1SPHSBN

Pemberian Voucher CBHJ EFCJUVS ZBOH NFNQFSPMFI Provide Voucher for the debtor who obtains bank bjb
fasilitas kredit konsumer bank bjb (bjb KGB, bjb KPPB, DPOTVNFSDSFEJUGBDJMJUZ bjb KGB, bjb KPPB, and bjb
dan bjb KPB), baik pengajuan kredit baru maupun KPB), both new credit application and repetition.
pengulangan. 2. Program Member Get Member (MGM)
2. Program Member Get Member (MGM) 3FXBSE QSPHSBN JO UIF GPSN PG TQFDJBM JODFOUJWFT
Program pemberian reward CFSVQB JOTFOUJG ZBOH given to consumer credit debtor of bank bjb who
diberikan khusus bagi debitur kredit konsumer TVDDFTTGVMMZ SFGFS GSJFOET PS DPMMFBHVFT UP CFDPNF
bank bjb ZBOH CFSIBTJM NFSFGFSFOTJLBO SFLBO BUBV new consumer credit debtors of bank bjb.
LPMFHBOZBNFOKBEJEFCJUVSCBSVLSFEJULPOTVNFSCBOL
bjb.
$ %JCFSMBLVLBOOZB QSPHSBN TVLV CVOHB LIVTVT VOUVL C. Provide special interest for areas outside of West Java
daerah di luar Jawa Barat dan Banten untuk mendorong and Banten to encourage the Consumer Credit portfolio
QPSUPGPMJP,SFEJU,POTVNFSLIVTVTOZBbjb KGB. FTQFDJBMMZCKC,(#
D. Diberlakukan struktur khusus Kredit Konsumer untuk % "QQMZTQFDJBMTUSVDUVSFGPSDPOTVNFSDSFEJUJOUIFSFHJPOPG

XJMBZBI%,*+BLBSUB DKI Jakarta.
& .FOEPSPOHQFMBZBOBOZBOHMFCJICBJL E. Improve services.

4USBUFHJ ZBOH EJKBMBOLBO PMFI CBOL bjb dalam menghadapi 5IF TUSBUFHJFT QFSGPSNFE CZ CBOL bjb in facing the
TJUVBTJFLTUFSOBMZBOHQFOVIUBOUBOHBO UBNQBLDVLVQFGFLUJG DIBMMFOHJOHFYUFSOBMDJSDVNTUBODFT TFFNFEQSFUUZFGGFDUJWF
,JOFSKB LSFEJU LPOTVNFS VOHHVMBO ZBOH EJLFMVBSLBO PMFI 5IFQFSGPSNBODFPGUIF$PNQBOZTGFBUVSFEDPOTVNFSDSFEJU
1FSVTBIBBO QBEB VNVNOZB CFSBEB EJ BUBT SBUBSBUB CBOL in general was above the average of the performance of
umum dan BPD. commercial banks and BPD.
Berdasarkan pencapaian kredit posisi Desember 2014, Based on the position of credit in December 2014, the Bank’s
produk bank bjb ZBOH NFOKBEJ BOEBMBO BEBMBI bjb Kredit QSPEVDUT XIJDI CFDBNF B NBJOTUBZ BSF bjb Kredit Guna
Guna Bhakti dan bjb Kredit Pra Purna Bhakti, serta bjb Purna Bhakti and bjb Kredit Pra Purna Bhakti, as well as bjb Purna
Bhakti. Berikut ini kinerja berdasarkan produk usaha kredit Bhakti. Below is the performance based on the products of the
konsumer. consumer credit.
Dalam lima tahun terakhir, rata-rata pertumbuhan kredit *OUIFMBTUmWFZFBST UIFBWFSBHFHSPXUIPGDPOTVNFSDSFEJUPG

konsumer bank bjb mencapai 18,83%. Khusus pada bank bjb reached 18.83%. In 2014, compared with the growth
tahun 2014, dibandingkan dengan kinerja tahun 2013 JO HSPXUI SFBDIFE BCPWF UIF BWFSBHF PG UIF
QFSUVNCVIBOOZB TFCFTBS EJ BUBT SBUBSBUB growth of consumer lending in commercial banks and BPD
QFOZBMVSBOLSFEJULPOTVNTJCBOLVNVNZBOH EBO#1% XIJDIXBTSFTQFDUJWFMZBOE
ZBOH
5PUBM LSFEJU LPOTVNFS ZBOH EJTBMVSLBO QBEB UBIVO 5PUBM DPOTVNFS MPBOT EJTCVSTFE JO SFBDIFE 3Q
NFODBQBJ 3Q USJMJVO ,POUSJCVTJ UFSCFTBS CFSBTBM EBSJ trillion. The largest contribution came from bjb Kredit Guna
bjb ,SFEJU (VOB #IBLUJ ZBOH NFODBQBJ EBSJ UPUBM #IBLUJXIJDISFBDIFEPGUIFUPUBMDPOTVNFSMPBOT
QFOZBMVSBOLSFEJULPOTVNFS

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
121
CONSUMER
%BMBN QFOZBMVSBO ,SFEJU ,POTVNFS CBOL bjb selalu In the distribution of the Consumer Credit, bank bjb BMXBZT
mengiringi pertumbuhan volume kredit dengan tetap fokus BDDPNQBOZ UIF HSPXUI PG DSFEJU WPMVNF CZ TUBZJOH GPDVTFE
UFSIBEBQ QFOHFMPMBBO BTFU ZBOH CFSLVBMJUBT )BM JOJ UFSMJIBU PO UIF RVBMJUZ PG BTTFU NBOBHFNFOU 5IJT DBO CF TFFO GSPN
EBSJ QPTJTJ LSFEJU CFSNBTBMBI /1- /PO1FSGPSNJOH -PBO
UIFQPTJUJPOPGOPOQFSGPSNJOHMPBOT /1-
XIJDIEFDSFBTFE
ZBOH NFOHBMBNJ QFOVSVOBO EJCBOEJOH UBIVO TFCFMVNOZB DPNQBSFEUPUIFQSFWJPVTZFBS OBNFMZGSPNJOUP
ZBJUVEBSJ QBEBUBIVONFOKBEJ QBEBUBIVO 0.08% in 2014, a decline of 0.04%.
2014 atau menurun 0,04%.
)BMUFSTFCVUNFOVOKVLBOCBIXBEBMBNQFOZBMVSBOLSFEJUZBOH 5IJT TIPXT UIBU DSFEJU EJTUSJCVUFE CZ CBOL bjb have good
dilakukan oleh bank bjbNFNJMJLJLVBMJUBTZBOHCBJL#FHJUVQVO RVBMJUZ MJLFXJTFXJUIUIFIBOEMJOHPGOPOQFSGPSNJOHMPBOT
EFOHBOQFOBOHBOBOUFSIBEBQLSFEJUCFSNBTBMBIOZB
#FSJLVUJOJQFSLFNCBOHBOQFOZBMVSBOLSFEJULPOTVNFSTFMBNB Below describes the development of the consumer loan

MJNB
UBIVOUFSBLIJS QPSUGPMJPGPS mWF
ZFBST
Periode Volume Pertumbuhan/Growth NPL
(Rp Juta/Rp Million)
2010 11,00% 0,12%
2011 20,08% 0,11%
2012 0,13%
2013 27,58% 0,10%
2014 33.962.999 16,35% 0,8%
bjb Kredit Guna Bhakti bjb Kredit Guna Bhakti

bjb ,SFEJU (VOB #IBLUJ ,(#
BEBMBI QFNCJBZBBO ZBOH bjb$SFEJU(VOB#IBLUJ ,(#
UIFmOBODJOHQSPWJEFECZCBOL
diberikan oleh bank bjb untuk debitur berpenghasilan tetap bjbGPSEFCUPSXJUIGPSmYFEJODPNFXIPTFTBMBSZJTDIBOOFMFE
ZBOH HBKJOZB EJTBMVSLBO NFMBMVJ CBOL bjb atau perusahaan through bank bjb PS UIF DPNQBOZ XIFSF UIF EFCUPS XPSLT
tempat debitur bekerja berdasarkan perjanjian kerja sama. CBTFEPOBDPPQFSBUJPOBHSFFNFOU5IFTPVSDFPGSFQBZNFOU
Adapun sumber pengembalian kredit berasal dari gaji debitur. PGDSFEJUDPNFTGSPNUIFTBMBSZPGUIFEFCUPS
6OUVL UBIVO UPUBM ,(# ZBOH EJTBMVSLBO TFCFTBS *O UIF UPUBM BNPVOU PG ,(# EJTCVSTFE XBT 3Q
3Q USJMJVO%JCBOEJOHLBOUBIVO QFSUVNCVIBOOZB trillion. Compared to 2013, growth reached 15.47%. In the last
NFODBQBJ %BMBNFNQBUUBIVOUFSBLIJS ZBJUVQFSJPEF GPVS ZFBST OBNFMZ UIF QFSJPE ,(#T BWFSBHF PG
2011-2014, rata-rata pertumbuhan kredit KGB mencapai DSFEJUHSPXUISFBDIFE

#FSJLVU JOJ KVNMBI QFOZBMVSBO LSFEJU VOUVL QSPEVL bjb Kredit Below is the amount of bjb Kredit Guna Bhakti distributed
Guna Bhakti selama lima tahun terakhir. EVSJOHUIFQBTUmWFZFBST
3Q+VUB
3Q.JMMJPO
Periode 2010 2011 2012 2013 2014 Period

/JMBJ Value
bjb Kredit Pra Purna Bhakti bjb Kredit Pra Purna Bhakti
Produk bjb Kredit Pra Purna Bhakti (KPPB) ini pertama kali bjb ,SFEJU 1SB 1VSOB #IBLUJ ,11#
XBT mSTUMZ JOUSPEVDFE JO
EJQFSLFOBMLBO QBEB 0LUPCFS 3FBMJTBTJ QFOZBMVSBO 0DUPCFS5IFEJTUSJCVUJPOPGGVOETBNPVOUFEUP3Q
EBOBOZB QBEB UBIVO UFSTFCVU TFCFTBS 3Q NJMJBS BUBV CJMMJPO PSPGUIFUPUBMDPOTVNFSMPBOT)PXFWFSJO
EBSJ UPUBM LSFEJU LPOTVNFS /BNVO QBEB UBIVO this product showed the highest growth compared with other
produk ini menunjukkan pertumbuhan paling tinggi dibanding QSPEVDUT OBNFMZ
EFOHBOQSPEVLMBJOOZB ZBJUVNFODBQBJ

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
KONSUMER
5PUBM EBOB ZBOH EJTBMVSLBO VOUVL ,11# QBEB UBIVO 5IFUPUBMGVOETEJTCVSTFEUP,11#JOSFBDIFE3Q
NFODBQBJ 3Q USJMJVO 4FEBOHLBO QBEB UBIVO USJMMJPO8IFSFBTJOBNPVOUFEUP3QUSJMMJPO,11#T
TFCFTBS3Q USJMJVO,POUSJCVTJ,11#UFSIBEBQUPUBMLSFEJU DPOUSJCVUJPOUPUPUBMDPOTVNFSMPBOTJOSFBDIFE
LPOTVNFSZBOHEJTBMVSLBOQBEBUBIVONFODBQBJ
#FSJLVUJOJQFOZBMVSBOEBOBbjb KPPB sejak produk tersebut The following table describes the distribution of funds of bjb
EJMVODVSLBO ,11#TJODFUIFQSPEVDUXBTMBVODIFE
3Q+VUB
3Q.JMMJPO
Periode 2010 2011 2012 2013 2014 Period

/JMBJ - - 1.453.257 Value
bjb Kredit Purna Bhakti bjb Kredit Purna Bhakti

Produk kredit konsumer bjb Kredit Purna Bhakti (KPB) bjb ,SFEJU 1VSOB #IBLUJ ,1#
JT UIF #BOLT mOBODJOH UP
NFSVQBLBOQFNCJBZBBOZBOHEJCFSJLBOPMFICBOLbjb untuk debtors with the status of retired or retired widow/widower
debitur dengan status pensiunan sendiri atau pensiunan janda/ XIPTF QFOTJPO TBMBSZ JT DIBOOFMFE UISPVHI CBOL bjb. The
EVEBZBOHHBKJQFOTJVOOZBUFMBIEJTBMVSLBONFMBMVJCBOLbjb. TPVSDF PG GVOET GPS SFQBZNFOU PG UIF DSFEJU DPNFT GSPN
4VNCFSEBOBVOUVLQFOHFNCBMJBOLSFEJUOZBCFSBTBMEBSJHBKJ UIF QFOTJPO TBMBSZ PG UIF EFCUPS VTFE GPS DPOTVNQUJWF BOE
QFOTJVO EFCJUVS ZBOH EJHVOBLBO VOUVL LFQFSMVBO LPOTVNUJG productive purposes.
maupun produktif.
1BEB UBIVO UPUBM LSFEJU ZBOH EJLVDVSLBO VOUVL ,1# *O UPUBMMPBOTEJTCVSTFEGPS,1#SFBDIFE3QUSJMMJPO
NFODBQBJ3Q USJMJVOBUBV EBSJUPUBMLSFEJULPOTVNFS PSPGUIFUPUBMDPOTVNFSMPBOTFYUFOEFECZCBOLbjb.
ZBOH EJTBMVSLBO PMFI CBOL bjb. Jika dibandingkan dengan 8IFODPNQBSFEXJUIUIFZFBS GVOETDIBOOFMFEGPS,1#
UBIVO EBOB,1#ZBOHEJTBMVSLBOUVNCVI BUBV HSFXCZPSUIFMBSHFTUDPNQBSFEUPUIFHSPXUIPGUIF
ZBOH UFSCFTBS EJCBOEJOHLBO QFSUVNCVIBO QSPEVL LSFEJU Bank’s other consumer credit products. This growth is well
konsumer bank bjbMBJOOZB1FSUVNCVIBOJOJKBVIEJBUBTSBUB above the average growth of consumer loans of commercial
rata pertumbuhan kredit konsumer bank umum dan BPD. banks and BPD.
Dalam empat tahun terakhir, rata-rata pertumbuhan *O UIF MBTU GPVS ZFBST UIF BWFSBHF HSPXUI PG ,1# SFBDIFE
QFOZBMVSBOEBOB,1#NFODBQBJ #FSJLVUJOJUPUBMEBOB #FMPXJTUIFUPUBMGVOETEJTCVSTFEGPS,1#JOUIFMBTU
ZBOHEJTBMVSLBOVOUVL,1#EBMBNMJNBUBIVOUFSBLIJS mWFZFBST
3Q+VUB
3Q.JMMJPO
Periode 2010 2011 2012 2013 2014 Period

/JMBJ 440.014 Value
bjb Back to Back Loan bjb Back to Back Loan

Produk bjb#BDLUP#BDL-PBO ##-
NFSVQBLBOQFNCJBZBBO CKC #BDL UP #BDL -PBO ##-
JT mOBODJOH QSPWJEFE CZ UIF
ZBOHEJCFSJLBOPMFICBOLbjbZBOHKBNJOBOOZBCFSVQBBHVOBO bank bjb guarantee with cash collateral, either in the form of
LBTDBTI DPMMBUFSBM CBJL ZBOH CFSCFOUVL UBCVOHBO HJSP savings, demand deposits, or time deposits. In 2014, total
BUBVEFQPTJUP1BEBUBIVO UPUBMLSFEJUZBOHEJTBMVSLBO MPBOTGPS##-SFBDIFE3QCJMMJPO BOJODSFBTFPG
VOUVL ##- NFODBQBJ 3Q NJMJBS NFOJOHLBU DPNQBSFE UP UIF ZFBS XIJDI BNPVOUFE UP 3Q
EJCBOEJOHLBOUBIVOZBOHTFCFTBS3Q NJMJBS billion.
%BMBN FNQBU UBIVO UFSBLIJS QFSUVNCVIBO QFOZBMVSBO EBOB *O UIF MBTU GPVS ZFBST UIF BOOVBM BWFSBHF HSPXUI PG ##-
##- SBUBSBUB UBIVOBO NFODBQBJ ,POUSJCVTJOZB SFBDIFE 5IF DPOUSJCVUJPO UP UPUBM DPOTVNFS MPBOT
UFSIBEBQ UPUBM LSFEJU LPOTVNFS ZBOH EJTBMVSLBO TFCFTBS XBT


Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
123
CONSUMER
#FSJLVU JOJ UPUBM EBOB ZBOH EJTBMVSLBO VOUVL ##- EBMBN MJNB The table below describes the total funds disbursed for BBL
UBIVOUFSBLIJS JOUIFMBTUmWFZFBST
3Q+VUB
3Q.JMMJPO
Periode 2010 2011 2012 2013 2014 Period

/JMBJ 52.751 114.045 Value
bjb Kredit Abadi Bhakti bjb Kredit Abadi Bhakti

Produk bjb Kredit Abadi Bhakti (KAB) merupakan fasilitas #KC ,SFEJU "CBEJ #IBLUJ ,"#
JT B DSFEJU GBDJMJUZ QSPWJEFE
LSFEJU ZBOH EJCFSJLBO TFDBSB LIVTVT EJCFSJLBO LFQBEB TQFDJmDBMMZUPUIFFNQMPZFFTPGCBOLbjb. In 2014, total loans
pegawai bank bjb 1BEB UBIVO UPUBM LSFEJU ZBOH GPS ,"# SFBDIFE 3Q CJMMJPO $PNQBSFE UP UIF ZFBS
EJTBMVSLBO NFODBQBJ 3Q NJMJBS %JCBOEJOHLBO UBIVO XIJDIBNPVOUFEUP3Q HSPXUISFBDIFE
ZBOH TFCFTBS 3Q QFSUVNCVIBOOZB NFODBQBJ
24,08%.
,POUSJCVTJ,"#UFSIBEBQUPUBMLSFEJULPOTVNFSZBOHEJTBMVSLBO 5IFDPOUSJCVUJPOPG,"#UPUPUBMDPOTVNFSMPBOTXBTPOMZCZ
IBOZBTFCFTBS #FSJLVUJOJUPUBMQFOZBMVSBOEBOB,"# 1.71%. The table below describes the disbursement of KAB in
dalam lima tahun terakhir. UIFMBTUmWFZFBST
3Q+VUB
3Q.JMMJPO
Periode 2010 2011 2012 2013 2014 Period

/JMBJ 15.842 Value
bjb Channeling bjb Channeling

Produk kredit konsumer bjb KGB melalui pola channeling (bjb bank bjb’s KGB consumer credit product through channeling
Channeling) merupakan fasilitas kredit kepada debitur dengan CKC $IBOOFMJOH
JT B DSFEJU GBDJMJUZ QSPWJEFE UP EFCUPST
TVNCFSQFOEBOBBOTFMVSVIOZBCFSBTBMEBSJQJIBLCBOLbjb. XJUI TPVSDFT PG GVOEJOH FOUJSFMZ GSPN CBOL bjb. The fund
Dana tersebut disalurkan oleh agen, dalam hal ini Lembaga JT EJTUSJCVUFE CZ BO BHFOU JO UIJT DBTF UIF #BOL 'JOBODJBM
Keuangan Bank (Bank Bengkulu dan Bank Sulselbar) kepada *OTUJUVUJPOT #BOL#FOHLVMVBOE#BOL4VMTFMCBS
UPFNQMPZFFT
QFHBXBJ CFSQFOHIBTJMBO UFUBQ ZBOH QFNCBZBSBO HBKJOZB XJUI mYFEJODPNF XIPTF TBMBSZ QBZNFOUT BSF QFSGPSNFE
dilakukan melalui agen, dalam hal ini Lembaga Keuangan through an agent, in this case the Bank Financial Institutions
Bank (Bank Bengkulu dan Bank Sulselbar). (Bank Bengkulu and Bank Sulselbar).
1FOZBMVSBO bjb KGB melalui pola channeling mengalami Disbursement of bjb KGB through channeling decreased from
QFOVSVOBOEBSJUBIVOLFUBIVO)BMJOJEJTFCBCLBOQMBGPObjb ZFBSUPZFBS5IJTJTCFDBVTFUIFDFJMJOHPGCKCDIBOOFMJOHIBT
KGB pola channelingUFMBIUFSTBMVSLBOTFMVSVIOZB TFIJOHHB CFFOEJTCVSTFEFOUJSFMZ UIVTUIFSFQFUJUJPOPGDSFEJU UPQVQ

pengulangan kredit (top up) debitur tidak lagi menggunakan of the debtor no longer uses the Bank’s funds, but the funds of
dana bank bjb, melainkan dana Agen Channeling /BNVO UIFDIBOOFMJOHBHFOU)PXFWFS DVSSFOUMZUIFBEEJUJPOPGCKC
saat ini telah disetujui penambahan bjb Channeling dengan $IBOOFMJOHDFJMJOHPG3QCJMMJPOUP#BOLPG#FOHLVMVIBT
QMBGPOTFCFTBS3QNJMJBSLFQBEB#BOL#FOHLVMV been approved.
Pada tahun 2014, total kredit bjb ChannelingZBOHEJTBMVSLBO *O UPUBM CKC $IBOOFMJOH EJTCVSTFE SFBDIFE 3Q
NFODBQBJ 3Q NJMJBS +BVI MFCJI SFOEBI EJCBOEJOHLBO CJMMJPO NVDIMPXFSUIBOJO XIJDIBNPVOUFEUP3Q
UBIVOZBOHTFCFTBS3Q NJMJBS NFOHJOHBUCBUBT CJMMJPO DPOTJEFSJOHUIFNBYJNVNMJNJUPGGVOETQSPWJEFECZUIF
NBLTJNVNEBOBZBOHEJTFEJBLBOCBOLbjb sudah mencapai Bank has reached the maximum or has limited expansion.
maksimum atau mengalami keterbatasan ekspansi.

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
KONSUMER
#FSJLVUJOJQFOZBMVSBOLSFEJUbjb Channeling dalam lima tahun The following table describes the disbursement of bjb
terakhir. $IBOOFMJOHJOUIFMBTUmWFZFBST
3Q+VUB
3Q.JMMJPO
Periode 2010 2011 2012 2013 2014 Period

/JMBJ 83.474 7.011 Value
Kredit Konsumer Lainnya Other Consumer Loans

,SFEJU LPOTVNFS MBJOOZB ZBJUV bjb Kredit Graha Bhakti dan 0UIFSDPOTVNFSMPBOT OBNFMZ,SFEJU(SBIB#IBLUJBOE,SFEJU
,SFEJU8JSBVTBIB#IBLUJTVEBIUJEBLEJQBTBSLBOMBHJ)JOHHB 8JSBVTBIB #IBLUJ BSF OP MPOHFS NBSLFUFE BOE CZ UIF FOE
BLIJS UBIVO IBOZB NFOZJTBLBO outstanding (baki PG MFGU POMZ BO PVUTUBOEJOH EFCJU 5PUBM PVUTUBOEJOH PG
debet). Total outstanding LSFEJU MBJOOZB NFODBQBJ 3Q PUIFS MPBOT SFBDIFE 3Q CJMMJPO B EFDSFBTF PG
NJMJBS UVSVO EJCBOEJOHLBOUBIVOZBOHTFCFTBS DPNQBSFE UP UIF ZFBS XIJDI BNPVOUFE UP 3Q
3Q NJMJBS billion.
Berikut ini total outstanding LSFEJU LPOTVNFS MBJOOZB EBMBN #FMPXJTUIFUPUBMPVUTUBOEJOHDPOTVNFSDSFEJUJOUIFMBTUmWF

lima tahun terakhir. ZFBST
3Q+VUB
3Q.JMMJPO
Periode 2010 2011 2012 2013 2014 Period

/JMBJ 13.545 Value

%FOHBOSBUBSBUBQFSUVNCVIBOLSFEJU EBMBNMJNBUBIVO 8JUI BO BWFSBHF PG DSFEJU HSPXUI JO UIF QBTU mWF
terakhir, bank bjb optimistis pada tahun 2015 mampu meraih ZFBST CBOL bjb is optimistic that in 2015 the Bank will be
QFSUVNCVIBO EBSJ TJTJ QFOZBMVSBO LSFEJU LPOTVNFS able to achieve 17% growth in the consumer loan portfolio.
Apalagi, kondisi perekonomian juga diperkirakan lebih dari Moreover, the economic condition is expected to be better
EBSJTJUVBTJUBIVO ZBOHEJBOUBSBOZBEJJOEJLBTJLBOPMFI UIBO UIF TJUVBUJPO JO TPNF PG XIJDI BSF JOEJDBUFE CZ
UBSHFU 1FNFSJOUBI TFQFSUJ UFSUVBOH QBEB "1#/ 1FSVCBIBO the Government’s targets as set out in the 2015 revised State
2015. Budget.
Disebutkan, target pertumbuhan tahun 2015 sebesar 5,7%, The growth target in 2013 is 5.7%, higher than the realization
MFCJIUJOHHJEJCBOEJOHLBOEFOHBOSFBMJTBTJUBIVOZBOH JO XIJDI BNPVOUFE UP .FBOXIJMF JOnBUJPO JT
4FEBOHLBO JOnBTJ EJIBSBQLBO CJTB KVHB MFCJI expected to be 5.0%, also lower than the realization in 2014.
rendah dari realisasi 2014.
%BSJ TJTJ JOUFSOBM NFOHJOHBU QFOUJOHOZB QPTJTJ LSFEJU *OUFSOBMMZ DPOTJEFSJOH UIF JNQPSUBODF PG UIF QPTJUJPO PG
konsumer, bank bjbTVEBINFOZJBQLBOSFODBOBEBOTUSBUFHJ consumer credit, bank bjb has prepared plans and strategies
demi menjaga pertumbuhan berkelanjutan dan berkualitas. JOPSEFSUPNBJOUBJOTVTUBJOBCMFHSPXUIXJUIRVBMJUZ5IFDSFEJU
3FODBOB TUSBUFHJ FLTQBOTJ LSFEJU ZBOH BLBO EJMBLVLBO EJ FYQBOTJPOTUSBUFHJDQMBOUPCFDPOEVDUFEJO JODMVEFT
UBIVO EJBOUBSBOZBBEBMBITFCBHBJCFSJLVU
A. Product dan Pricing A. Product and Pricing

.FNJMJLJQSPEVLZBOHTFTVBJEFOHBOLFCVUVIBOOBTBCBI Possessing products that meet the needs of the customers
TBOHBUQFOUJOHTFCBHBJVQBZBNFOJOHLBULBOLFNBNQVBO JT WFSZ JNQPSUBOU BT UIF FGGPSUT UP JNQSPWF UIF BCJMJUZ UP
NFOZBMVSLBO EBOB EJ CJEBOH LPOTVNFS #FHJUV KVHB EFMJWFS DPOTVNFS GVOET 4JNJMBSMZ XJUI UIF BCJMJUZ UP PGGFS

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
125
CONSUMER
EFOHBO LFNBNQVBO NFOBXBSLBO TVLV CVOHB ZBOH competitive interest rates, provided that the interest rates
LPNQFUJUJG TFQBOKBOHUJEBLNFMBOHHBSBUVSBOZBOHTVEBI EPOPUWJPMBUFUIFSVMFTTFUCZUIFSFHVMBUPS5PUIBUFOE
ditetapkan oleh regulator. Untuk itu, pada tahun 2015 in 2015 bank bjb will perform a number of initiatives in the
bank bjb akan melakukan sejumlah hal di bidang produk mFMEPGQSPEVDUTBOEJOUFSFTUSBUFT XIJDIJODMVEF
EBOTVLVCVOHBJOJ ZBOHEJBOUBSBOZBBEBMBI t 3FWJFXUIF$POTVNFS$SFEJU1PMJDZ
• Melakukan review kebijakan Kredit Konsumer. t "QQMZTQFDJBMDSFEJUTUSVDUVSF
• Pemberlakuan struktur kredit khusus . t 3FWJFX TQFDJmD JOUFSFTU SBUF GPS UIF BSFB PVUTJEF UIF
• Melakukan review tingkat suku bunga khusus untuk QSPWJODFPG8FTU+BWBBOE#BOUFOOBNFMZMPXFS
daerah di luar provinsi Jawa Barat dan Provinsi Banten than the local BPD.
ZBJUV MFCJISFOEBIEBSJ#1%TFUFNQBU
B. Promosi B. Promotion
Meningkatkan awareness publik terhadap produk *ODSFBTJOHQVCMJDBXBSFOFTTPGUIFmOBODJOHQSPEVDUTJO
QFNCJBZBBOEJTFHNFOLPOTVNTJBLBOEJMBLVLBONFMBMVJ UIFDPOTVNFSTFHNFOUXJMMCFQFSGPSNFEUISPVHIBWBSJFUZ
CFSBHBN TBMVSBO LPNVOJLBTJ BHBS EBZB KBOHLBV QSPEVL of communication channels so that the Bank’s consumer
kredit konsumer bank bjb semakin luas. Beberapa strategi DSFEJU QSPEVDUT XJMM CF JODSFBTJOHMZ XJEFTQSFBE 4FWFSBM
ZBOHUFMBIEJTJBQLBOEJCJEBOHQSPNPTJ EJBOUBSBOZB TUSBUFHJFTQSFQBSFEJOUIFmFMEPGQSPNPUJPOJODMVEF
1FMBLTBOBBO QSPNPTJ QFNBTBSBO ZBOH MFCJI FGFLUJG - Implement a more effective and sustainable marketing
dan berkesinambungan seperti pembuatan marketing campaign such as the creation of marketing tools for
tools untuk Kredit Konsumer serta pemasaran melalui Consumer Credit and marketing through publication
media publikasi. media.
%JMBLTBOBLBOOZB QSPHSBN reward (Member Get - Implement rewards program (Member Get Member)
Member
ZBOH EJCFSJLBO LIVTVT CBHJ EFCJUVS bjb QSPWJEFE TQFDJmDBMMZ GPS UIF EFCUPST PG bjb KGB bjb
KGB bjb Kredit Pra Purna Bhakti dan debitur bjb Kredit Pra Purna Bhakti and bjb Kredit Purna Bhakti
,SFEJU 1VSOB #IBLUJ ZBOH CFSIBTJM NFNCBXB SFLBO who manage to invite friends or colleagues to become
BUBV LPMFHBOZB NFOKBEJ EFCJUVS CBSV EBO EFCJUVS new debtors and the repeating debtor of bank bjb.
mengulang bank bjb. *NQMFNFOU UIF $POTVNFS -PBO -PZBMUZ 1SPHSBN CZ
- Pelaksanaan program Consumer Loan Loyalty giving vouchers to new debtor sand the debtors
1SPHSBN TBMBI TBUVOZB EFOHBO QFNCFSJBO voucher performing top up.
LFQBEBEFCJUVSCBSVEBOEFCJUVSZBOHNFMBLVLBOtop - Gathering with the debtors as a form of promotion
up. below the line, adapted to local culture and interests of
- Gathering kepada Debitur sebagai bentuk promosi the debtor
below the line, disesuaikan dengan kultural daerah 5IF%JSFDU3FXBSE1SPHSBNGPSEFCUPSTXIPNBOBHF
dan minat para debitur to invite friends or colleagues to become new debtors
1SPHSBN)BEJBI-BOHTVOHCBHJEFCJUVSZBOHCFSIBTJM of bank bjb.
NFNCBXBSFLBOBUBVLPMFHBOZBNFOKBEJEFCJUVSCBSV
bank bjb.
C. Layanan C. Services
.FNCFSJLBO MBZBOBO UFSCBJL CBHJ OBTBCBI LIVTVTOZB The Bank will provide the best services for customers,
pada segmen kredit konsumer sudah menjadi komitmen FTQFDJBMMZ JO UIF TFHNFOU PG DPOTVNFS DSFEJU UIBU
bank bjb 4FMBJO JUV QFOJOHLBUBO LVBMJUBT MBZBOBO KVHB has become the Bank’s commitment. In addition, the
NFOKBEJCBHJBOEBSJTUSBUFHJNFOHIBEBQJQFSTBJOHBOZBOH JNQSPWFNFOUPGUIFRVBMJUZPGTFSWJDFTJTBMTPQBSUPGUIF
TFNBLJOLFUBU#FCFSBQBJOJTJBUJGZBOHBLBOEJKBMBOLBO EJ TUSBUFHZUPGBDFUIFJODSFBTJOHMZmFSDFDPNQFUJUJPO4PNF
BOUBSBOZB PGUIFJOJUJBUJWFTUIBUXJMMCFJNQMFNFOUFE JODMVEF

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
KONSUMER
• Pengembangan sistem aplikasi Webscoring & Analisa t 5IF %FWFMPQNFOU PG UIF BQQMJDBUJPO TZTUFN 8FC
Kredit Konsumer. TDPSJOH"OBMZTJTPG$POTVNFS$SFEJU
• Standardisasi formulir aplikasi pengajuan Kredit • Standardization of Consumer Credit application form
Konsumer. • Optimizing Service Level Agreement (SLA) in the
• Optimalisasi Service Level Agreement (SLA) di Kantor #SBODI0GmDFT
Cabang.
D. Penjualan D. Sales
Dari sisi penjualan, bank bjb akan melakukan strategi In terms of sales, bank bjb will perform optimization
PQUJNBMJTBTJ EJ BOUBSBOZB NFMBMVJ LFSKB TBNB EFOHBO strategies, including through cooperation with other banks
CBOL MBJO EBMBN QFOZBMVSBO EBOB LPOTVNFS 6OUVL JUV in the distribution of consumer funds. To that end, the
1FSVTBIBBO UFMBI NFOZFUVKVJ QFOBNCBIBO EBOB VOUVL $PNQBOZIBTBHSFFEUPJODSFBTFGVOEJOHGPSUIJTQVSQPTF
kepentingan tersebut, mengingat batas ketersediaan HJWFO UIF MJNJU PG UIF FYJTUJOH BWBJMBCJMJUZ PG GVOET IBT
EBOB ZBOH BEB TVEBI NFODBQBJ NBLTJNVN 4FKVNMBI reached the maximum. The strategies planned in 2015,
TUSBUFHJZBOHEJSFODBOBLBOQBEBUBIVO EJBOUBSBOZB BNPOHPUIFSTBSF
BEBMBI .BSLFUQSPBDUJWFMZBOEDPOUJOVPVTMZ
- Pemasaran secara proaktif dan berkesinambungan. 0QUJNJ[F .BSLFUJOH GPS 1FOTJPOFST BOE 3FUJSFE
- Optimalisasi Pemasaran kepada Pensiunan dan calon candidates.
Pensiunan. - Lending through channeling to BPD Bengkulu
1FOZBMVSBO LSFEJU NFMBMVJ QPMB channeling kepada #PPLJOH0GmDF "TTFU#VZ$PPQFSBUJPO .VMUJQVSQPTF
BPD Bengkulu DSFEJUCKC,(#
PG
- #PPLJOH0GmDF Kerja sama Asset Buy (kredit Multiguna/ • Bank Sulteng
bjb,(#
EBSJ • Bank Papua
• Bank Sulteng - More intensive strategic alliance with institutions/
• Bank Papua pension fund management institutions
"MJBOTJ TUSBUFHJT ZBOH MFCJI JOUFOTJG EFOHBO JOTUJUVTJ - Opening up the market potential, one of which
lembaga pengelola dana pensiunan. performed cooperation agreement with PT POS and
.FNCVLB QFMVBOH QPUFOTJ QBTBS TBMBI TBUVOZB other agencies
NFMBLVLBO1,4EFOHBO15104EBOJOTUBOTJMBJOOZB - Optimize potential Top Up debtors (offer back to
- Optimalisasi potensi debitur Top Up (menawarkan debtors who have experienced a decrease in the
LFNCBMJ LFQBEB EFCJUVS ZBOH UFMBI NFOHBMBNJ PVUTUBOEJOHEFCJUPGPGUIFJOJUJBMMJNJUBOEEFCUPST
QFOVSVOBO CBLJ EFCFU EBSJ QMBGPO BXBM EBO XJUIVQDPNJOHDSFEJUNBUVSJUZ

EFCJUVS EFOHBO KBOHLB XBLUV LSFEJU ZBOH BLBO KBUVI
tempo).

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
127
CONSUMER

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
bjb
PRECIOUS
bjb PRECIOUS

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
129
BJB PRECIOUS
bjb 1SFDJPVT NFSVQBLBO MBZBOBO ZBOH CFSTJGBU FLTLMVTJG bjb Precious is a service that is exclusive and personalized
dan personal bagi pribadi-pribadi istimewa (nasabah for special persons (individual customers) with certain amount
QFSTFPSBOHBO
ZBOH NFNJMJLJ TJNQBOBO QBEB CBOL bjb of deposits in bank bjb. bjb Precious places the principles
dalam jumlah tertentu. bjb Precious meletakkan prinsip- BOE QIJMPTPQIZ PG iWBMVBCMFw BT UIF GPVOEBUJPO GPS SFBMJ[JOH
QSJOTJQEBOGBMTBGBIiZBOHTBOHBUCFSIBSHBwTFCBHBJGPOEBTJ FYDMVTJWF CBOLJOH TFSWJDFT GPS QSJNF DVTUPNFST OBNFMZ
EBMBNNFXVKVELBOUVKVBOMBZBOBOFLTLMVTJGQFSCBOLBOCBHJ UISPVHI JODSFBTFE DSFEJCJMJUZ BOE FYDMVTJWJUZ TVDI BT UIF
nasabah prima. Yakni melalui peningkatan kredibilitas dan DPODFQUPGIPTQJUBMJUZ &BTF BOE$POWFOJFODF
eksklusivitas, seperti konsep Keramahan, Kemudahan, dan
,FOZBNBOBO
-BZBOBO bjb 1SFDJPVT NFSVQBLBO MBZBOBO UFSCBJL ZBOH The services of bjb precious are the best services given to
EJCFSJLBOLFQBEBQSJCBEJQSJCBEJJTUJNFXBZBOHNFNCVUVILBO special individuals requiring maximum services both in terms
QFMBZBOBO NBLTJNBM CBJL EBSJ TFHJ LFSBNBIBO LFNVEBIBO PG IPTQJUBMJUZ DPOWFOJFODF DPNGPSU TBGFUZ BOE SFMJBCJMJUZ
LFOZBNBOBO LFBNBOBO EBO UFSQFSDBZB /BTBCBI bjb The customers of bjb precious called the prime individual
1SFDJPVT ZBOH EJTFCVU EFOHBO OBTBCBI QSJNB QFSPSBOHBO DVTUPNFST )JHI/FUXPSUI*OEJWJEVBMT
NVTUIBWFBNJOJNVN
()JHI /FU 8PSUI *OEJWJEVBMT), harus memiliki minimal dana GVOEPG3Q QMBDFEJOUIFCBOLbjb.
TFCFTBS3QZBOHEJUFNQBULBOEJCBOLbjb.
1BEBBXBMOZB QSPEVLUFSTFCVUCFSOBNBbjb Prioritas. Setelah *OJUJBMMZ UIF QSPEVDU XBT OBNFE bjb Prioritas. After the
dilakukan rebrandingQBEB%FTFNCFS OBNBMBZBOBO rebranding on December 12, 2012, the name of the service
tersebut berubah menjadi “bjb Precious”. Rebranding itu was changed to “bjb Precious”. The rebranding aimed to
bertujuan untuk menjadikan bjb1SFDJPVTTFCBHBJNFSFLZBOH make bjb1SFDJPVTBTUSPOHCSBOEJOUIFFZFTPGDVTUPNFST
LVBU EJ NBUB NBTZBSBLBU TFLBMJHVT NFOFHBTLBO LSFEJCJMJUBT BTXFMMBTBGmSNDSFEJCJMJUZBOEFYDMVTJWJUZPGJUTTFSWJDFT
EBOFLTLMVTJWJUBTMBZBOBOOZB

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
bjb PRECIOUS
Melalui kebijakan tersebut, diharapkan dapat meningkatkan 5ISPVHI UIJT QPMJDZ UIF #BOL FYQFDUT UP JODSFBTF DVTUPNFS
customer loyalty TFSUB NFOBNCBI OJMBJ EBO NFNJMJLJ EBZB MPZBMUZ BOE JODSFBTF UIF WBMVF BOE DPNQFUJUJWFOFTT UP UIF
TBJOH UFSIBEBQ MBZBOBO TFKFOJT ZBOH EJNJMJLJ PMFI QBSB TBNFLJOEPGTFSWJDFTPXOFECZUIFDPNQFUJUPST5PJNQSPWF
pesaing. Untuk meningkatkan kinerja produk, bank bjb telah the performance of the product, bank bjb conducted a
melakukan sejumlah program menarik agar dapat mendorong number of interesting programs in to encourage the increase
peningkatan jumlah nasabah. in the number of customers.
STRATEGI STRATEGY
4USBUFHJ ZBOH EJJNQMFNFOUBTJLBO TFQBOKBOH UBIVO The strategies implemented throughout 2014 in order to
dalam rangka mendukung kinerja bjb1SFDJPVTBEBMBI support the performance of bjb1SFDJPVTBSF
a. Mengadakan gatheringCBJLZBOHCFSTJGBUBLVJTJTJNBVQVO B )FMEHBUIFSJOHTFJUIFSUPBDRVJSFPSUPQSPWJEFBUUFOUJPOUP

CFSTJGBU BUFOTJ VOUVL NFOJOHLBULBO MPZBMJUBT BOHHPUB bjb JODSFBTFUIFMPZBMUZPGUIFNFNCFSTPGbjb Precious.
Precious.
b. Menambah kerja sama dengan pihak ketiga untuk b. Establish partnerships with third parties in order to improve
meningkatkan hak istimewa (privilege) kepada member the privileges for the members of bjb Precious.
bjb Precious.
D .FOJOHLBULBO LVBMJUBT MBZBOBO EFOHBO NFNCFOBIJ EBO D *NQSPWF UIF RVBMJUZ PG TFSWJDFT CZ JNQSPWJOH BOE
melakukan standardisasi gerai bjb Precious. standardizing bjb Precious outlets.
E .FOHHBMJQPUFOTJEBOBEJCFCFSBQBXJMBZBIUFSUFOUV ZBOH d. Explore the potential of funds in certain regions with no
belum terdapat gerai bjb Precious dengan penempatan bjb Precious outlets with the placement of PIC (Person in
PIC (Person In Charge) marketing bjb Precious. Charge) to market bjb Precious.
d. Melakukan peningkatan SDM bjb 1SFDJPVT LIVTVTOZB F *NQSPWF UIF )3 PG bjb 1SFDJPVT QBSUJDVMBSMZ JO UFSNT PG
dalam hal penambahan kuantitas serta peningkatan UIF BEEJUJPO PG RVBOUJUZ BT XFMM BT bjb Precious human
kualitas SDM bjb Precious. SFTPVSDFTRVBMJUZJNQSPWFNFOU
Keunggulan Layanan Service Excellence

4FCBHBJ MBZBOBO QSJNB OBTBCBI bjb Precious berhak As a prime service, the customers of bjb Precious deserve
NFOEBQBULBO MBZBOBO UFSCBJL EBO FLTLMVTJG 4FKVNMBI IBM UIFCFTUBOEFYDMVTJWFTFSWJDFT5IF$PNQBOZBNPOHPUIFST
ZBOH EJCFSJLBO PMFI 1FSVTBIBBO UFSIBEBQ OBTBCBI MBZBOBO provides the following for the customers of this exclusive
FLTLMVTJGJOJ EJBOUBSBOZB TFSWJDF
• Memberikan Kemudahan • Ease
bjb Precious sangat memahami kesibukan dan bjb1SFDJPVTEFFQMZVOEFSTUBOETUIFDVTUPNFSTCVTZOFTT
CFSIBSHBOZB XBLUV OBTBCBI 6OUVL JUV bjb Precious the value of time for the customers. To that end, bjb
NFOZFEJBLBOCFSCBHBJLFNVEBIBOCBHJOBTBCBIEBMBN 1SFDJPVTQSPWJEFTDPOWFOJFODFGPSUIFDVTUPNFSTUPDBSSZ
NFMBLTBOBLBO USBOTBLTJ QFSCBOLBO 4FQFSUJ QFMBZBOBO out banking transactions, such as the personal banking
transaksi perbankan secara personal dari bjb 1SFDJPVT services from bjb 1SFDJPVT TBWF EFQPTJU CPY BOE B
save deposit boxTFSUBCFSBHBNLFNVEBIBOMBJOOZB WBSJFUZPGPUIFSDPOWFOJFODFT
• Keramahan t )PTQJUBMJUZ
Keramahan dan ketulusan adalah sikap utama dalam 'SJFOEMJOFTT BOE TJODFSJUZ JT UIF NBJO BUUJUVEF JO TFSWJOH
NFMBZBOJ OBTBCBI TFCBHBJ NFNCFS bjb Precious. bjb the members of bjb Precious. bjb1SFDJPVTJTSFBEZUPIFMQ
Precious siap membantu menangani segala urusan IBOEMFBMMZPVSCBOLJOHBGGBJSTQSPGFTTJPOBMMZ
perbankan Anda secara profesional.

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
131
BJB PRECIOUS
t ,FOZBNBOBO • Convenience

%FNJNFOKBHBLFOZBNBOBOEBOprivacy setiap transaksi *O PSEFS UP NBJOUBJO UIF DPNGPSU BOE QSJWBDZ PG FWFSZ
ZBOH EJMBLVLBO NBLB TFUJBQ OBTBCBI BLBO EJMBZBOJ EJ USBOTBDUJPO NBEF FWFSZ DVTUPNFS XJMM CF TFSWFE JO B
SVBOHBO ZBOH EJEFTBJO LIVTVT TFCBHBJ LPNJUNFO VOUVL TQFDJBMMZ EFTJHOFE SPPN BT B DPNNJUNFOU UP BMXBZT
TFOBOUJBTBNFNCFSJLBOZBOHUFSCBJLVOUVL"OEB QSPWJEFUIFCFTUGPSZPV
• Fasilitas pemakaian ruang pertemuan. t 5IF6TFPG.FFUJOH3PPN
• Airport lounge GBTJMJUBT SVBOH UVOHHV EJ CBOEBSB IBOZB • Airport lounge, the provision of waiting room in the airport,
dengan menunjukan kartu keanggotaan bjb Precious. DVTUPNFSTNBZFOUFSBOEVTFUIFSPPNPOMZCZTIPXJOHB
• Travel arrangement. bjb Precious member card.
t /BTBCBIUJEBLQFSMVBOUSFVOUVLCFSUSBOTBLTJ • Travel arrangement.
• Customer gathering. • Customers do not need to queue to perform transactions.
• Customer gathering.

Dari sisi operasional, saat ini bjb Precious sudah memiliki 11 'SPN UIF PQFSBUJPOBM TJEF DVSSFOUMZ bjb Precious has 11
HFSBJ VOUVL NFNCFSJLBO QFMBZBOBO TFDBSB PQUJNBM LFQBEB outlets to provide optimal services to its customers. As for the
para nasabah. Adapun lokasi gerai bjb1SFDJPVTZBOHTBBU location of the current bjb1SFDJPVTPVUMFUTBSF
JOJCFSPQFSBTJBEBMBI
a. bjb Precious Bandung a. bjb Precious Bandung

b. bjb1SFDJPVT3BTVOB4BJE b. bjb1SFDJPVT3BTVOB4BJE
c. bjb Precious Serang c. bjb Precious Serang
d. bjb Precious Cirebon d. bjb Precious Cirebon
e. bjb1SFDJPVT5BTJLNBMBZB e. bjb1SFDJPVT5BTJLNBMBZB
f. bjb Precious Bogor f. bjb Precious Bogor
g. bjb Precious Bekasi g. bjb Precious Bekasi
h. bjb Precious Kelapa Gading h. bjb Precious Kelapa Gading
i. bjb Precious Tangerang i. bjb Precious Tangerang
j. bjb Precious Semarang j. bjb Precious Semarang
k. bjb1SFDJPVT4VSBCBZB k. bjb1SFDJPVT4VSBCBZB
Selain itu, melalui kartu keanggotaan (member), bjb Precious "EEJUJPOBMMZ UIFCKC1SFDJPVTNFNCFSTIJQDBSEDBOBMSFBEZ
sudah dapat digunakan di lebih dari 1.138 ATM bank bjb, be used in more than 1,138 bank bjb "5. "5.
"5. #FSTBNB EBO 13*." "5. EJ TFMVSVI #FSTBNB BOE 13*." "5. BDSPTT *OEPOFTJB 6OUJM
*OEPOFTJB)JOHHBUBIVO KVNMBIOBTBCBIbjb Precious 2014, the number of bjb 1SFDJPVT DVTUPNFST SFBDIFE
NFODBQBJ OBTBCBI BUBV NFOHBMBNJ QFSUVNCVIBO DVTUPNFSTPSHSFXDPNQBSFEUPUIFZFBSXIJDI
EJCBOEJOHLBO UBIVO ZBOH TFCBOZBL amounted to 3,402 customers.
nasabah.
Dari sisi komposisi, jumlah nasabah terbesar berasal dari In terms of composition, most of the customers come from
#BOEVOH ZBJUV NFODBQBJ EFOHBO KVNMBI #BOEVOH XIJDI SFBDIFE PS DVTUPNFST 5IF
OBTBCBI +VNMBI UFSCFTBS LFEVB EBSJ #PHPS ZBOH BEB TFDPOE MBSHFTU DPNF GSPN #PHPS OBNFMZ DVTUPNFST PS
nasabah atau 10,05% dari total nasabah bjb Precious. 10.05% of the total bjb Precious customers.

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
bjb PRECIOUS
3BUBSBUBQFSUVNCVIBOUBIVOBOOBTBCBIbjb Precious sejak The average annual growth bjb Precious customers since
tahun 2010 hingga tahun 2014 mencapai 40,31%. Berikut 2010 until 2014 reached 40.31%. Below is the table of
ini tabel tentang perkembangan jumlah nasabah dalam lima UIFEFWFMPQNFOUPGUIFOVNCFSPGDVTUPNFSTJOUIFQBTUmWF
tahun terakhir. ZFBST
3QNJMJBS3QCJMMJPO)
OBP 2010 2011 2012 2013 2014

Bandung 823 1045 1232 1,484
3BTVOBTBJE 227 115 345
Serang 144 180 307 353
Cirebon 133 223 304
5BTJLNBMBZB 53 85 121
Bogor 154 181 418
Bekasi 104 131 207
Kelapa Gading 147 208 247
Tangerang 72 127 200
Semarang 83 104 112
4VSBCBZB 113 151 232
Total 1.259,00 1.986,00 2.636,00 3.402,00 4.159
4FEBOHLBO OPNJOBM EBOB ZBOH EJLFMPMB QBEB UBIVO Meanwhile, the nominal of funds managed in 2014
TFCFTBS 3Q USJMJVO UVNCVI EJCBOEJOHLBO BNPVOUFEUP3Q USJMMJPOPSHSFXCZDPNQBSFE
UBIVO ZBOH 3Q USJMJVO #FSEBTBSLBO LJOFSKB UP UIF ZFBS XIJDI BNPVOUFE UP 3Q USJMMJPO
MJNB UBIVO UFSBLIJS ZBJUV QFSJPEF SBUBSBUB #BTFEPOUIFQFSGPSNBODFXJUIJOUIFMBTUmWFZFBST OBNFMZ
QFSUVNCVIBO EBOB ZBOH EJLFMPMB TFDBSB UBIVOBO TFCFTBS in the period of 2010-2014, the average growth of the funds
37,13% per tahun. NBOBHFEPOBOBOOVBMCBTJTXBTQFSZFBS
4FCBHJBO CFTBS EBOB ZBOH EJLFMPMB CFSBTBM EBSJ OBTBCBI Most of the funds managed were derived from the customers
#BOEVOH ZBJUVEFOHBOLPOUSJCVTJ EBSJTFMVSVIEBOB GSPN #BOEVOH OBNFMZ XJUI B DPOUSJCVUJPO PG PG UIF
kelolaan bjb1SFDJPVT)BMJOJTFKBMBOEFOHBOKVNMBIOBTBCBI UPUBMGVOETNBOBHFECZbjb Precious. This is in line with the
ZBOHUFSCBOZBLKVHBCFSBTBMEBSJLPUBUFSTFCVU fact that most of the customers also come from Bandung.
Berikut ini dana kelolaan bjb Precious dalam lima tahun 5IFUBCMFCFMPXTIPXTUIFGVOETNBOBHFECZbjb Precious in
terakhir. UIFQBTUmWFZFBST
3QNJMJBS3QCJMMJPO)
OBP 2010 2011 2012 2013 2014

Bandung 1.074.773
3BTVOBTBJE 238.807 205.745 271.744
Serang 183.723 251.573 258.142
Cirebon 108.234 142.550 187.870 257.575
5BTJLNBMBZB 113.755
Bogor 215.728 225.047
Bekasi 82.155 114.114
Kelapa Gading
Tangerang 223.183
Semarang 45.823 41.327
4VSBCBZB
Total 1.533.832 2.602.309 3.017.415 3.161.721 3.367.682

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
133
BJB PRECIOUS
Khusus untuk periode 2013-2014, penjualan bjb &TQFDJBMMZGPSUIFQFSJPE bjb Precious sales were
Precious difokuskan kepada penjualan produk-produk focused on the sales of wealth management products. This
wealth management)BMJUVEJCVLUJLBOEFOHBOQFSUVNCVIBO XBTQSPWFOCZUIFTJHOJmDBOUHSPXUIPGXFBMUINBOBHFNFOU
produk wealth management ZBOH CBJL TFQFSUJ EJQFSMJIBULBO products as shown in the table below.
pada tabel di bawah ini.
3Q+VUB
Tahun/ AUM Reksa Dana/ FYP Bancassurance 3QNJMMJPO
Year AUM Mutual Fund FYP Bancassurance

2012
2013
2014 21.005

%BMBNSBOHLBNFNCVBUMBZBOBObjb Precious semakin optimal In order to create a more optimal bjb Precious services and
dan memiliki positioningZBOHLVBUEJNBTZBSBLBU TFSUBVOUVL BTUSPOHQPTJUJPOJOHJOUIFDPNNVOJUZ BTXFMMBTUPJODSFBTF
NFOJOHLBULBOQFSTBJOHBOEFOHBOMBZBOBOQSJPSJUBTCBOLMBJO DPNQFUJUJPO XJUI UIF QSJPSJUZ TFSWJDFT PG PUIFS CBOLT bjb
maka bjb Precious akan melakukan beberapa inisiatif sebagai 1SFDJPVTXJMMQFSGPSNUIFGPMMPXJOHJOJUJBUJWFT
CFSJLVU t .FFUUIFOFFETPG#KC1SFDJPVT)3JOUFSNTPGRVBOUJUZBOE
• Memenuhi kebutuhan SDM bjb Precious baik dari segi RVBMJUZ
kuantitas maupun kualitas. • Increase partnerships in terms of Merchant, Medical
• Melakukan penambahan kerja sama pada Merchant, Arrangement, and Education Arrangement as a form
Medical Arrangement, dan Education Arrangement of providing exclusive facilities to the members of bjb
TFCBHBJCFOUVLQFNCFSJBOGBTJMJUBTZBOHFLTLMVTJGLFQBEB Precious.
member bjb Precious. t 3FOPWBUF TPNF PG UIF bjb Precious outlets as a form
• Melakukan renovasi di beberapa outlet bjb Precious of standardization in providing comfort to members of
sebagai bentuk standardisasi dalam memberikan bjb Precious, thus existing and potential customers feel
LFOZBNBOBO UFSIBEBQ NFNCFS bjb Precious, sehingga comfortable and privileged, and do not feel like being in a
nasabah eksisting maupun nasabah potensial merasa banking hall.
OZBNBO EBO UFSJTUJNFXBLBO UJEBL TFQFSUJ CFSBEB EJ • Organize Customer Gathering for Wealth Management
banking hall. products and other exclusive programs for both existing
• Melakukan Customer Gathering produk-produk Wealth and potential customers of bank bjb.
Management TFSUB QSPHSBN FLTLMVTJG MBJOOZB CBJL CBHJ
nasabah eksisting maupun nasabah potensial bank bjb.

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
bjb PRECIOUS

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
135
BJB PRECIOUS

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
KORPORASI &
KOMERSIAL
CORPORATE & COMMERCIAL

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
137
Unit usaha bank bjb di bidang korporasi dan komersial bank bjbTDPSQPSBUFBOEDPNNFSDJBMCVTJOFTTVOJUTBSFIJHIMZ
sangat bergantung pada kondisi perekonomian secara dependent on the macro-economic condition and business
makro dan perkembangan dunia usaha. Pada tahun EFWFMPQNFOU*O UIFEPNFTUJDFDPOPNZFYQFSJFODFEB
2014, kondisi perekonomian di dalam negeri sedang TMPXEPXO BNPOH PUIFST JOEJDBUFE CZ UIF FDPOPNJD HSPXUI
NFOHBMBNJ QFSMBNCBUBO EJ BOUBSBOZB EJJOEJLBTJLBO EFOHBO PG MPXFS UIBO UIF QSFWJPVT ZFBS XIJDI BNPVOUFE UP
QFSUVNCVIBO FLPOPNJ ZBOH IBOZB TFCFTBS MFCJI 5.78%.
SFOEBIEJCBOEJOHLBOUBIVOTFCFMVNOZBZBOH
Kondisi dunia usaha juga tidak sedang bergairah, mengingat The business condition was also not enthusiastic, given the
UBIVO CFSMBOHTVOH QFSJTUJXB QPMJUJL CFTBS ZBJUV QPMJUJDBMFWFOUTUIBUUPPLQMBDFJO OBNFMZUIFMFHJTMBUJWF
1FNJMV -FHJTMBUJG EBO 1FNJMV 1SFTJEFO %VOJB VTBIB CBOZBL FMFDUJPOBOEUIFQSFTJEFOUJBMFMFDUJPO.BOZCVTJOFTTQMBZFST
ZBOH NFMBLVLBO BLTJ wait and see untuk mengembangkan took the action to wait and see in terms of business expansion,
CJTOJTOZB TBNCJM NFOBOUJ SFODBOB LFCJKBLBO QFNFSJOUBI OBNFMZXBJUJOHGPSUIFOFXHPWFSONFOUTQPMJDZQMBO
baru.
*OEJLBTJ NFMBNCBUOZB LFHJBUBO EVOJB VTBIB UFSMJIBU EBSJ Indications of slowdown in the business activities were shown
IBTJM4VSWFJ5FOEFOTJ#JTOJT 45#
ZBOHEJMBLVLBOPMFI#BOL UISPVHI UIF SFTVMUT GSPN UIF #VTJOFTT 5FOEFODZ 4VSWFZ
Indonesia bersama Badan Pusat Statistik (BPS). Indeks 45#
DPOEVDUFECZ#BOL*OEPOFTJBBOEUIF$FOUSBM#VSFBV
5FOEFOTJ #JTOJT ZBOH EBUBOZB CFSBTBM EBSJ 45# NFSVQBLBO PG 4UBUJTUJDT #14
5IF #VTJOFTT 5FOEFODZ *OEFY JO XIJDI
JOEJLBUPS QFSLFNCBOHBO FLPOPNJ VTBIB UFSLJOJ ZBOH the data are derived from STB, is an indicator of the current
menggambarkan kondisi bisnis dan perekonomian pada economic development that describes the business and
triwulan berjalan dan perkiraan pada triwulan mendatang. economic conditions in the current quarter and forecast in the
upcoming quarter.

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
KORPORASI & KOMERSIAL
Pada Triwulan 1-2014, Indeks Tendensi Bisnis (ITB) sebesar *O 2VBSUFS UIF #VTJOFTT 5FOEFODZ *OEFY *5#
XBT
,POEJTJ JOJ NFOVKVLBO CBIXB UJOHLBU PQUJNJTNF 5IJT DPOEJUJPO BUUSJCVUF UIBU UIF MFWFM PG PQUJNJTN PG
pelaku bisnis lebih rendah jika dibandingkan dengan Triwulan UIFCVTJOFTTQMBZFSTJTMPXFSXIFODPNQBSFEXJUIUIFGPVSUI
*7ZBOHNFNJMJLJOJMBJ*5#TFCFTBS quarter of 2013, where the value of ITB was 104.72.
Kondisi serupa berlanjut hingga akhir tahun. ITB Triwulan IV- 6OUJMUIFFOEPGUIFZFBS TJNJMBSDPOEJUJPODPOUJOVFEUPPDDVS
2014 mencapai 104,7, lebih rendah dibandingkan triwulan In the Fourth Quarter of 2014, ITB reached 104.7, lower than
TFCFMVNOZB ZBOH )BM JOJ NFOBOEBLBO CBIXB the previous quarter which amounted to 107.24. This indicates
dunia usaha masih pesimistis dalam mengembangkan that the business world remains pessimistic in developing
CJTOJTOZB LBSFOB LPOEJTJ QFSFLPOPNJBO EJBOHHBQ LVSBOH its business because the economic condition is considered
mendukung. unfavourable.
4JUVBTJ UFSTFCVU CFSQFOHBSVI QBEB LJOFSKB QFOZBMVSBO The situation affects the performance of bank credit in
kredit perbankan secara umum. Data Bank Indonesia general. Data from Bank Indonesia revealed, until December
NFOHVOHLBQLBO IJOHHB %FTFNCFS UPUBM LSFEJU ZBOH 2014 total loans of commercial banks to third parties was
disalurkan bank umum terhadap pihak ketiga sebesar 3Q USJMMJPO PS JODSFBTFE POMZ CZ PWFS UIF
3Q USJMJVO BUBV OBJL EJCBOEJOHLBO QFSJPEF TBNF QFSJPE JO UIF QSFWJPVT ZFBS XIFSF JO UIF HSPXUI
ZBOH TBNB UBIVO TFCFMVNOZB 1BEBIBM QBEB UBIVO XBTDPNQBSFEUPUIFZFBS
QFSUVNCVIBOOZB NFODBQBJ EJCBOEJOHLBO UBIVO
2012.
STRATEGI STRATEGY
,POEJTJ FLTUFSOBM ZBOH CFSMBOHTVOH CBJL EBSJ TJTJ FLPOPNJ External condition, both in terms of macro-economic and
makro maupun kegiatan dunia usaha, tentu di luar kontrol CVTJOFTTBDUJWJUJFT JTDFSUBJOMZCFZPOEUIFDPOUSPMPGCBOLbjb.
bank bjb. Bagi Perusahaan, tantangan tersebut harus disikapi 'PSUIF$PNQBOZ UIFTFDIBMMFOHFTNVTUCFBEESFTTFEXJUI
EFOHBOCFSBHBNTUSBUFHJBHBSLFHJBUBOVTBIB LIVTVTOZBEJ BWBSJFUZPGTUSBUFHJFTTPUIBUCVTJOFTTBDUJWJUJFT QBSUJDVMBSMZ
bidang komersial dan korporasi tetap berjalan dengan baik. JOUIFBSFBTPGDPSQPSBUFBOEDPNNFSDJBMXJMMSVOTNPPUIMZ
"QBMBHJ EBSJ TJTJ JOUFSOBM UBOUBOHBO ZBOH IBSVT EJIBEBQJ Moreover, from the internal side, one of the challenges that
%JWJTJ,PSQPSBTJEBO,PNFSTJBMBEBMBISBTJPBOUBSBQFOZBMVSBO NVTUCFGBDFECZUIF$PSQPSBUJPOTBOE$PNNFSDJBM%JWJTJPO
pinjaman dan Dana Pihak Ketiga atau loan to deposit ratio JT UIF SBUJP CFUXFFO MFOEJOH BOE UIJSE QBSUZ GVOET PS MPBO
-%3
ZBOH ZBOH MFCJI EBSJ ,POEJTJ JOJ NFNCVBU UP EFQPTJU SBUJP -%3
PG NPSF UIBO 5IJT DPOEJUJPO
SVBOHHFSBLQFOZBMVSBOLSFEJUNFOKBEJUFSCBUBT caused limited lending movement space.
%BMBNLPOEJTJTFQFSUJJUV TUSBUFHJZBOHEJKBMBOLBO1FSVTBIBBO *O TVDI DPOEJUJPO JO UIF $PNQBOZ QFSGPSNFE UIF
QBEBUBIVOEJBOUBSBOZB GPMMPXJOHTUSBUFHJFT
A. Fokus di Sektor Produktif A. Focus on the Productive Sector

6QBZB CBOL bjb mengembangkan kredit Korporasi The bank bjb effort to develop Corporate and Commercial
EBO ,PNFSTJBM EJGPLVTLBO QBEB QFNCJBZBBO TFLUPS DSFEJUXBTGPDVTFEPOUIFmOBODJOHPGQSPEVDUJWFTFDUPST
TFLUPS QSPEVLUJG NFMBMVJ QFOHFNCBOHBO MBZBOBO EBO through the development of services and loan products
QSPEVL QJOKBNBO ZBOH CFSPSJFOUBTJ QBEB LFCVUVIBO oriented to the needs and interests of customers.
dan kepentingan nasabah. Produk kredit komersial Commercial credit products are developed according to
dikembangkan sesuai karakteristik bisnis perusahaan UIF DPNQBOZ CVTJOFTT DIBSBDUFSJTUJDT BOE UIF CVTJOFTT
serta karakteristik bisnis di sektor industri. characteristics in the industrial sector.

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
139
B. Produk Andalan B. Featured Product

Selain fokus pada sektor usaha tertentu, bank bjb juga *OBEEJUJPOUPGPDVTJOHPOTQFDJmDCVTJOFTTTFDUPST CBOL
NFOFUBQLBOGPLVTQBEBKFOJTQFNCJBZBBOZBOHEJKBEJLBO bjbBMTPTFUTUIFGPDVTPOUIFUZQFPGmOBODJOHGFBUVSFE
BOEBMBO VOUVL UBIVO %J BOUBSBOZB BEBMBI ,SFEJU in 2014, among others the Construction Working Capital
Modal Kerja (KMK) Konstruksi. KMK diberikan kepada -PBOT ,.,
,., BSF HJWFO UP mOBODJOH DPNQBOJFT
QFSVTBIBBOQFNCJBZBBO 1JOKBNBO%BMBN/FHFSJ 1%/
%PNFTUJDMPBOT 1%/
BOE#BOL(VBSBOUFF
dan Garansi Bank.
C. Jaringan C. Network
Perusahaan juga membuka jaringan kantor di Jakarta 5IF$PNQBOZPQFOFEBOPGmDFOFUXPSLJO+BLBSUB XIJDI
ZBOH NFSVQBLBO TFOUSB LFVBOHBO EBO JOEVTUSJ EJ JTUIFDFOUSFPGmOBODFBOEJOEVTUSZJO*OEPOFTJB5IJTJT
*OEPOFTJB )BM JOJ EJMBLVLBO EBMBN SBOHLB NFNQFSMVBT performed in order to expand access to customers, and
EBZB KBOHLBV UFSIBEBQ OBTBCBI TFIJOHHB EJIBSBQLBO JT FYQFDUFE UP PQUJNJ[F UIF $PNQBOZT QFSGPSNBODF
NBNQV NFOHPQUJNBMLBO LJOFSKB 1FSVTBIBBO LIVTVTOZB QBSUJDVMBSMZ SFMBUFE UP DPSQPSBUF BOE DPNNFSDJBM MPBOT
terkait dengan nasabah korporasi dan kredit komersial. customers.
KINERJA BISNIS BUSINESS PERFORMANCE

Untuk memenuhi kebutuhan pendanaan dunia usaha, bank 5P NFFU UIF mOBODJOH OFFET PG CVTJOFTT CBOL bjb is
bjbNFNJMJLJCJTOJTZBOHCFSHFSBLEJCJEBOHQFOZBMVSBOEBOB FOHBHFE JO UIF EJTUSJCVUJPO PG GVOET PS mOBODJOH UP UIF
BUBVQFNCJBZBBOLFQBEBTFHNFOVTBIBLPSQPSBTJ,FHJBUBO corporate business segment. Activities are carried out through
UFSTFCVU EJMBLVLBO NFMBMVJ EVB QSPEVL ZBJUV cash loan dan UXPQSPEVDUT OBNFMZDBTIMPBOBOEOPODBTIMPBO
non cash loan.
Produk cash loan terdiri dari kredit modal kerja dan kredit The cash loan product consists of working capital loans and
investasi. Sedangkan untuk produk non cash loan adalah investment loans. As for the non-cash loan product is the
MBZBOBO QFOFSCJUBO (BSBOTJ #BOL VOUVL QSPZFLQSPZFL service to issue Bank Guarantee for government or private
pemerintah maupun swasta. Melalui kegiatan ini, bank bjb projects. Through these activities, bank bjb hopes to increase
berharap dapat meningkatkan fee based income bank bjb. UIF$PNQBOZTGFFCBTFEJODPNF
Pada tahun 2014, kontribusi kredit Korporasi dan Komersial In 2014, the contribution of Corporate and Commercial loans
NFODBQBJ UFSIBEBQ UPUBM QFOZBMVSBO LSFEJU PMFI reached 13.77% of bank bjb total loans. This is a slight
bank bjb. Kondisi tersebut mengalami sedikit perlambatan TMPXEPXO DPNQBSFE UP UIF ZFBS XIJDI BNPVOUFE UP
EJCBOEJOHUBIVOZBJUVTFCFTBS 15.37%.
4JUVBTJZBOHBMBNJPMFICBOLbjbUFSTFCVUEJBOUBSBOZBBLJCBU This situation among others was due to external pressures,

UFLBOBO FLTUFSOBM ZBJUV LPOEJTJ QFSFLPOPNJBO EBO EVOJB OBNFMZUIFDPOEJUJPOPGUIFFDPOPNZBOEUIFCVTJOFTTXPSMEJO
VTBIB ZBOH TFDBSB VNVN TFEBOH NFOHBMBNJ QFSMBNCBUBO general which are experiencing a slowdown. Meanwhile from
Sedangkan dari sisi internal, Perusahaan juga sedang fokus UIFJOUFSOBMTJEF UIF$PNQBOZJTBMTPGPDVTJOHPOJNQSPWJOH
pada perbaikan proses kredit. its credit process.
Secara umum, kondisi tersebut juga terjadi pada perbankan, In general, these conditions also occur in other banks,
termasuk bank kategori BPD. Seperti terungkap pada data JODMVEJOH CBOLT JO UIF DBUFHPSZ PG 3FHJPOBM 3VSBM #BOL
4UBUJTUJL 1FSCBOLBO *OEPOFTJB LSFEJU ZBOH EJTBMVSLBO #1% (BPD). As revealed in Banking Statistics Indonesia data,
terhadap pihak ketiga juga mengalami perlambatan. Jika MPBOTEJTUSJCVUFECZ#1%UPUIJSEQBSUJFTBMTPFYQFSJFODFEB
pada tahun 2013 tumbuh 20,88% dibandingkan tahun 2012, TMPXEPXO*GJOJUHSFXCZDPNQBSFEUPUIFZFBS
EJUBIVOKVTUSVIBOZBNFOJOHLBU EJCBOEJOHLBO JO JU POMZ JODSFBTFE CZ DPNQBSFE UP UIF
tahun 2013. ZFBS

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
Di bank bjb, posisi kredit kelolaan Divisi Korporasi dan In bank bjb, the position of credit under the management of the
,PNFSTJBM IJOHHB BLIJS %FTFNCFS TFCFTBS 3Q Corporate and Commercial Division until the end of December
triliun atau 13,77% dari total kredit bank bjbZBOHNFODBQBJ BNPVOUFE UP 3Q USJMMJPO PS PG UIF #BOLT
3Q USJMJVO %JCBOEJOHLBO EFOHBO UBIVO ZBOH UPUBMDSFEJUXIJDISFBDIFE3QCJMMJPO$PNQBSFEUPUIF
TFCFTBS3Q USJMJVO CFSBSUJNFOHBMBNJQFOVSVOBO ZFBS XIJDI BNPVOUFE UP 3Q USJMMJPO UIJT NFBOT B
%BSJ TJTJ LPOUSJCVTJ UFSIBEBQ UPUBM QFOZBMVSBO LSFEJU CBOL decrease of 2.03%. In terms of the contribution to bank bjb’s
bjb CFTBSBOOZBBEBMBI MFCJISFOEBIEJCBOEJOHLBO total loan, the amount was 15.37%, lower than the contribution
kontribusi tahun 2013. in 2013.
#FSJLVU JOJ UBCFM QFNCJBZBBO LSFEJU VOUVL EVB UBIVO UFSBLIJS 5IF GPMMPXJOH JT UIF UBCMF PG DSFEJU mOBODJOH GPS UIF MBTU UXP

ZFBST

3QNJMJBS
3QCJMMJPO
Jenis Kredit 2014 2013 Perubahan Credit Type

Change
KIU Sindikasi 1.084.327 758.008 43,05% ,*64ZOEJDBUJPO
,*1JOKBNBO%BMBN/FHFSJ 580.831 KI Loan Domestic
KMKK 1.870.274 KMKK
KI PDAM 12.831 KI PDAM
,,"TTFU#VZ -45,45% ,,"TTFU#VZ
,.,61FSVTBIBBO1FNCJBZBBO KMKU - Financing Companies
,.,63$ -11,52% ,.,63$
KMKU Sindikasi 181.101 270.773 -33,12% ,.,64ZOEJDBUJPO
KIU Sindikasi -10,32% ,*64ZOEJDBUJPO
KMKU KMKU
Jumlah 6.842.302 6.983.930 -2,03% Total
1FOVSVOBOQFOZBMVSBOLSFEJULPSQPSBTJEBOLPNFSTJBMUFSKBEJ The decline in corporate and commercial lending occurred

pada skim kredit modal kerja umum dan kredit investasi within the general working capital credit and public investment
umum. Sementara skim kredit lain tetap tumbuh pada kisaran credit schemes. Meanwhile other credit schemes continue to
EFOHBO SJODJBO LSFEJU NPEBM LFSKB LPOTUSVLTJ HSPXJOUIFSBOHFPGUP XJUIEFUBJMTDPOTUSVDUJPO

LSFEJU JOWFTUBTJ QJOKBNBO EBMBN OFHFSJ
XPSLJOH DBQJUBM
JOWFTUNFOU DSFEJU EPNFTUJD MPBOT
kredit investasi sindikasi (43,05%).
BOETZOEJDBUFEJOWFTUNFOUDSFEJU

Untuk kredit bermasalah atau /PO 1FSGPSNJOH -PBO /1-

As for the gross corporate and commercial non-performing
bruto kredit korporasi dan komersial hingga akhir Tahun MPBOT /1-
CZUIFFOEPG'JTDBM:FBSNBOBHFECZUIF
#VLV ZBOHEJLFMPMBPMFICBOLbjb sebesar 11,3%. Jika bank bjb XBT BU UIF MFWFM PG OBNFMZ BO JODSFBTF PG
EJCBOEJOHLBO EFOHBO UBIVO ZBOH NFOHBMBNJ XIFODPNQBSFEUPUIFJO
QFOJOHLBUBO
Sedangkan untuk kinerja pemberian garansi sepanjang tahun As for the performance of guarantee provision throughout
OJMBJOZBNFODBQBJ3Q USJMJVO%BSJKVNMBIUFSTFCVU UIFWBMVFBNPVOUFEUP3QUSJMMJPO0GUIFOVNCFS
LPNQPTJTJ HBSBOTJ ZBOH NFOHHVOBLBO NBUB VBOH SVQJBI UIF DPNQPTJUJPO PG UIF HVBSBOUFF EFOPNJOBUFE JO 3VQJBI
NFODBQBJ TJTBOZB NFOHHVOBLBO NBUB VBOH EPMBS reached 75.45%, the rest was denominated in US Dollar.
AS.

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
141
%BSJ TJTJ KFOJT TFCBHJBO CFTBS BUBV EJHVOBLBO *OUFSNTPGUZQFT NPTUPSJTVTFEJOUIFDBUFHPSZPG
untuk kategori Garansi Bank Pelaksanaan. Terbesar kedua Implementation Bank Guarantee. The second largest was
EJTBMVSLBOVOUVL(BSBOTJ#BOL1FNFMJIBSBBOZBOHNFODBQBJ channelled for Bank Guarantee Maintenance which reached
BUBVTFOJMBJ3Q NJMJBS PSXPSUI3QCJMMJPO
#FSJLVUJOJSJODJBOQFOZBMVSBOEBOBHBSBOTJTFQBOKBOHUBIVO )FSFBSFUIFEFUBJMTPGUIFEJTUSJCVUJPOPGGVOETGPSHVBSBOUFF
UISPVHIPVU
Jenis Garansi IDR USD Total (IDR) Guaratee Type
Garansi Bank Tender Bank Guarantee
Garansi Bank Pelaksanaan Bank Guarantee Implementation
(BSBOTJ#BOL6BOH.VLB1SPZFL 113.287.078.308 Bank Guarantee Project Advances
Garansi Bank Pemeliharaan 0 Bank Guarantee Maintenance
(BSBOTJ#BOL1FNCBZBSBO#BOEJOH 1BZNFOU#BOL(VBSBOUFF-FUUFS
Garansi Bank Sanggahan Banding 0 Bank Guarantee Disclaimer Appeal
Total Total

0UPSJUBT +BTB ,FVBOHBO NFNQFSLJSBLBO LJOFSKB QFOZBMVSBO 5IF'JOBODJBM4FSWJDFT"VUIPSJUZFTUJNBUFTUIFQFSGPSNBODFPG
EBOBBUBVLSFEJUZBOHEJLVDVSLBOPMFIQFSCBOLBOBLBOUVNCVI UIFEJTUSJCVUJPOPGGVOETPSDSFEJUEJTCVSTFECZCBOLTXJMMHSPX
EJ BUBT QBEB UBIVO 4BMBI TBUV QFOEPSPOHOZB PWFSJO0OFPGUIFESJWFTJTUIFQMBOUPSFBMJ[FUIF
adalah rencana realisasi kebijakan pemerintah di bidang HPWFSONFOUQPMJDZJOUIFmFMEPGJOGSBTUSVDUVSF0QUJNJTNBMTP
JOGSBTUSVLUVS 0QUJNJTNF KVHB EBUBOH EBSJ QFNFSJOUBI ZBOH came from the government who targeted economic growth of
menargetkan pertumbuhan ekonomi pada tahun 2015 sebesar 5.7% in 2015, higher than the realization in 2014 which was
MFCJIUJOHHJEBSJSFBMJTBTJUBIVOZBOH 5.02%.
Dengan asumsi tersebut, bank bjb menargetkan pertumbuhan Based on these assumptions, bank bjb targeted commercial
kredit komersial mencapai 15%. Untuk mencapai target credit growth of 15%. To achieve this target as well as an
tersebut serta sebagai evaluasi terhadap kinerja tahun 2014, evaluation of the 2014 performance, a number of business
sejumlah strategi usaha telah disusun. Berikut ini beberapa di TUSBUFHJFTXFSFQSFQBSFE JODMVEJOHUIFGPMMPXJOH
BOUBSBOZB
1. Meningkatkan penagihan dan fokus pada perbaikan *NQSPWFDPMMFDUJPOTBOEGPDVTPOJNQSPWJOH/1-XJUIBO

/1-EFOHBOQFOFSBQBOearly warning systemEBOVQBZB FBSMZ XBSOJOH TZTUFN BOE UIF JNQMFNFOUBUJPO PG FGGPSUT
QFSDFQBUBOFLTFLVTJBHVOBONFMBMVJMFMBOH,1,/-CBMBJ UP BDDFMFSBUF UIF FYFDVUJPO PG DPMMBUFSBM UISPVHI ,1,/-
lelang swasta/penjualan sukarela, termasuk penjajakan BVDUJPOTQSJWBUF BVDUJPOTWPMVOUBSZ TBMFT JODMVEJOH XSJUF
hapus buku dan hapus tagih, klaim asuransi dan lawyer. off and charge off assessments, insurance claims and
MBXZFST
'PLVTQBEBQFOJOHLBUBOFLTQBOTJLSFEJUZBOHCFSLVBMJUBT 'PDVT PO JNQSPWJOH UIF RVBMJUZ PG DSFEJU FYQBOTJPO XJUI
dengan memperhatikan asas prudential banking. regard to the principle of prudential banking.

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
1FOZFNQVSOBBOQSPTFTEBONPEFMCJTOJTEJCJEBOHLSFEJU 3. Completion of the business process and model in the

sesuai dengan konsep four eyes principle mFMEPGDSFEJUJOBDDPSEBODFXJUIUIFDPODFQUPGGPVSFZFT
principle.
4. Memperkuat Risk Management di bidang Kredit dan 4USFOHUIFO 3JTL .BOBHFNFOU JO $SFEJU BOE $SFEJU
Administrasi kredit & Bisnis Legal untuk mendukung Administration & Business Legal to support the
pencapaian ekspansi kredit. achievement of credit expansion.
5. Mempercepat Service Level Agreement (SLA) perkreditan. 5. Accelerate Service Level Agreement (SLA) of credit.

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
143

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
MIKRO
MICRO

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
145
,SFEJU NJLSP TFTVBJ EFOHBO EFmOJTJ #BOL *OEPOFTJB TFQFSUJ .JDSP DSFEJU JO BDDPSEBODF XJUI UIF EFmOJUJPO BT TUBUFE JO
tercantum dalam Peraturan Bank Indonesia (PBI) tahun 2012, #BOL*OEPOFTJB3FHVMBUJPO 1#*
JOSFQSFTFOUTUIFMPBOT
NFSVQBLBOLSFEJUZBOHEJCFSJLBOLFQBEBQFMBLVVTBIBZBOH UPCVTJOFTTQMBZFSTXJUIJOUIFDSJUFSJBPGNJDSPFOUFSQSJTF
memenuhi kriteria usaha mikro.
)JOHHB UBIVO MBMV #BOL *OEPOFTJB NFODBUBU KVNMBI 6OUJMMBTUZFBS #BOL*OEPOFTJBSFDPSEFE UIFOVNCFSPGCBOL
QFNCJBZBBO QFSCBOLBO LFQBEB TFLUPS NJLSP CBSV TFLJUBS mOBODJOH UP UIF NJDSP TFDUPS XBT POMZ BSPVOE PG UIF
EBSJUPUBMLSFEJUQFSCBOLBO%FOHBOEFNJLJBO TFKBUJOZB total bank credit. Thus, there is still room for banks to increase
masih terdapat peluang bagi bank untuk meningkatkan micro credit.
QFOZBMVSBOLSFEJUNJLSP
Bisnis mikro merupakan bagian dari unit usaha dengan The micro business is a part of the small and medium enterprises
kategori usaha kecil dan menengah. Kelompok usaha ini CVTJOFTTVOJU5IJTCVTJOFTTHSPVQJTHSFBUMZWVMOFSBCMFUPUIF
sangat rentan terhadap situasi eksternal, terutama kinerja FYUFSOBMTJUVBUJPO QBSUJDVMBSMZUIFQFSGPSNBODFPGUIFOBUJPOBM
perekonomian nasional. FDPOPNZ
4FQBOKBOHUBIVO TFEJLJUOZBBEBEVBQFSJTUJXBQFOUJOH Throughout 2014, there were at least two important events that
ZBOHNFNQFOHBSVIJLJOFSKBVTBIBLBUFHPSJNJLSPTFSUBVTBIB BGGFDU UIF QFSGPSNBODF PG UIF CVTJOFTT XJUIJO UIF DBUFHPSZ
NFOFOHBI LFDJM EBONJLSP 6.,.
QBEBVNVNOZB:BLOJ of micro business as well as the medium, small and micro
kenaikan tarif dasar listrik dan kenaikan harga bahan bakar FOUFSQSJTFT .4.&
JO HFOFSBM OBNFMZ UIF JODSFBTF JO
NJOZBLCFSTVCTJEJ FMFDUSJDJUZCBTJDUBSJGGBOEUIFSJTFPGTVCTJEJ[FEGVFMQSJDFT
Kenaikan tarif listrik dan BBM ikut mendorong peningkatan 5IFJODSFBTFJOFMFDUSJDJUZUBSJGGBOEGVFMQSJDFTDPOUSJCVUFEUP

CJBZB QSPEVLTJ EBO EJTUSJCVTJ LFMPNQPL VTBIB NJLSP the increase in the cost of production and distribution of micro

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
MIKRO
4FNFOUBSBQBEBMBJOTJTJ EBZBCFMJNBTZBSBLBUKVHBNFMFNBI enterprises. While on the other hand, consumer’s purchasing

Bisnis perbankan juga ikut terpengaruh dengan kondisi power also weakened.The banking business was also affected
UFSTFCVU%BUB4UBUJTUJL1FSCBOLBO*OEPOFTJBZBOHEJLFMVBSLBO CZUIFDPOEJUJPO5IF*OEPOFTJBO#BOLJOH4UBUJTUJDTJTTVFECZ
oleh Bank Indonesia mengungkapkan bahwa total baki Bank Indonesia revealed that the total outstanding balance of
EFCFU LSFEJU NJLSP QBEB UBIVO NFODBQBJ 3Q NJDSP DSFEJU JO SFBDIFE 3Q USJMMJPO PS HSFX CZ
USJMJVO UVNCVI 1BEB UBIVO QFSUVNCVIBOOZB *O HSPXUISFBDIFE
mencapai 21,25%.
Pada saat bersamaan, kredit bermasalah atau /PO1FSGPSNJOH "UUIFTBNFUJNF UIFNJDSPDSFEJUOPOQFSGPSNJOHMPBOT /1-

Loan /1-
LSFEJU NJLSP QBEB QFSCBOLBO EJ *OEPOFTJB KVHB in the Indonesian banking also increased, from 3.24% in 2013
meningkat, dari 3,24% pada tahun 2013 menjadi 3,34% pada to 3.34% in 2014.
tahun 2014.
%BSJ TJTJ JOUFSOBM IBNCBUBO ZBOH EJBMBNJ PMFI CBOL bjb *OUFSOBMMZ UIF CBSSJFST GBDFE CZ CBOL bjb included the
UFSNBTVLLPOEJTJPSHBOJTBTJ1FSVTBIBBOZBOHUJEBLNBLTJNBM VOGBWPVSBCMF $PNQBOZT PSHBOJ[BUJPOBM DPOEJUJPO HJWFO UIF
NFOHJOHBUBEBOZBLFOEBMBUFSLBJUEFOHBOLFQVUVTBOSFHVMBUPS constraints associated with the decision of the regulator on a
terhadap sejumlah anggota Direksi di bank bjb. Kondisi ini number of members of the Board of Directors of bank bjb. This
tentu sangat berpengaruh terhadap kinerja usaha Perusahaan DPOEJUJPOBGGFDUTUIFQFSGPSNBODFPGUIF$PNQBOZ
STRATEGI STRATEGY
%BMBN TJUVBTJ ZBOH LVSBOH NFOEVLVOH JUV TFKVNMBI Under the unfavourable circumstances, a number of strategic
MBOHLBI TUSBUFHJ UFMBI EJMBLTBOBLBO QBEB UBIVO ZBOH NFBTVSFTXFSFJNQMFNFOUFEJO JOXIJDIUIFQPTTJCJMJUZPG
LFNVOHLJOBO JNQMJLBTJ QPTJUJGOZB KVTUSV CBSV CJTB EJSBTBLBO QPTJUJWFJNQMJDBUJPOTDBOPOMZCFGFMUBGUFS5IFJOJUJBUJWFT
TFUFMBIUBIVO"EBQVOTFKVNMBIJOJTJBUJGZBOHUFSFBMJTBTJ SFBMJ[FEJOJODMVEFE
QBEBUBIVO EJBOUBSBOZB
A Reorganisasi A Reorganization
Perusahaan telah mengembangkan divisi mikro menjadi 5IFDPNQBOZEFWFMPQFEUIFNJDSPEJWJTJPOJOUPUIF.JDSP
%JSFLUPSBU .JLSP CFSEBTBSLBO 3BQBU 6NVN 1FNFHBOH %JSFDUPSBUF CBTFE PO UIF &YUSBPSEJOBSZ (FOFSBM .FFUJOH
4BIBN -VBS #JBTB ZBOH EJTFMFOHHBSBLBO QBEB PG 4IBSFIPMEFST IFME JO %FDFNCFS 5IJT XBT
%FTFNCFS)BMJOJEJMBLVLBOTFCBHBJCVLUJLFTFSJVTBO performed as a proof of the seriousness of shareholders to
pemegang saham untuk memperbaiki dan meningkatkan improve and enhance performance, including micro-credit
LJOFSKB EJ BOUBSBOZB LSFEJU NJLSP EBO /PO1FSGPSNJOH BOE/PO1FSGPSNJOH-PBOT /1-

Loan /1-

%BMBNPSHBOJTBTJ%JSFLUPSBU.JLSP EJCBHJEVBEJWJTJ ZBJUV The Directorate of Micro is divided into two divisions,
1. Divisi Kredit Mikro OBNFMZ
2. Divisi Kredit Lembaga Keuangan Mikro 1. Micro Credit Division
.JDSPmOBODF*OTUJUVUJPOT$SFEJU%JWJTJPO
1FSVCBIBOTUSVLUVS%JWJTJ1FOZFMBNBUBOEBO1FOZFMFTBJBO 5IFTUSVDUVSFPGUIF$SFEJU3FTDVFBOE4FUUMFNFOU%JWJTJPO
,SFEJU 11,
EJNBOB UJEBL IBOZB NFOHFMPMB %FCJUVS (PPK) was changed, in which Write-off Debtors are
Write Off namun juga menangani kolektibilitas 3, 4 dan 5 NBOBHFE BOE BT XFMM BT DPMMFDUBCJMJUZ BOE PG UIF
terhadap seluruh produk kredit di bank bjb. entire bank loan products in bank bjb.

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
147
MICRO
B. Evaluasi Mitra B. Evaluation of Partners

Pemberhentian kerja sama dengan Vendor DSA, di mana Termination of partnership with DSA Vendor for Marketing
untuk Pemasaran telah diberhentikan sejak 1 Januari 2015 IBTCFFOEJTNJTTFETJODF+BOVBSZ BTXFMMBTUIF
dan fungsi Pick Up secara bertahap sampai dengan 30 1JDL6QGVODUJPOHSBEVBMMZVOUJM+VOF
Juni 2015.
C. Sumber Daya Manusia C. Human Resources

.FMBLVLBO 3FLSVUNFO QFHBXBJ UFUBQ EBO QFHBXBJ OPO Conduct recruitment of permanent and non-permanent
tetap untuk menggantikan tenaga kerja dari Vendor DSA. FNQMPZFFTUPSFQMBDFXPSLFSTGSPN%4"7FOEPS
D. Proses Bisnis D. Business Process

1. Mengembangkan metode pengelolaan debitur, %FWFMPQNFUIPETGPSUIFNBOBHFNFOUPGUIFEFCUPSTCZ
EFOHBOEJCFOUVLUJNTFCBHBJCFSJLVU FTUBCMJTIJOHUIFGPMMPXJOHUFBNT
a. Tim Front End untuk Kolektibilitas 1, 2A, 2B dan 2C B 'SPOU&OE5FBNGPS$PMMFDUBCJMJUZ " #BOE$
(Divisi Bisnis) (Business Division)
b. Tim Mid Range untuk Collection terhadap C .JE3BOHF5FBNGPSUIFDPMMFDUJPOPG$PMMFDUBCJMJUZ
Kolektibilitas 3, 4 dan 5 (Divisi PPK) 3, 4 and 5 (PPK Division)
c. Tim Back End untuk Recovery801) %JWJTJ11,
D #BDL&OE5FBNGPSUIF3FDPWFSZPG801) 11,
2. Melakukan pemisahan fungsi Risk Monitoring/Control Division)
dengan Bisnis di KC/KCP, sehingga fungsi Risk 4FQBSBUJPOPGUIFGVODUJPOTPG3JTL.POJUPSJOH$POUSPM
Monitoring/Control akan independen dan prinsip Four with Business in the KC/ KCP, so that the function of
Eyes Principles dapat berjalan dengan baik. 3JTL.POJUPSJOH$POUSPMXJMMCFJOEFQFOEFOUBOE'PVS
3. Pengembangan Infrastruktur teknologi informasi, &ZFT1SJODJQMFTQSJODJQMFXJMMSVOTNPPUIMZ
sehingga monitoring dapat dilakukan secara harian/ 5IF EFWFMPQNFOU PG JOGPSNBUJPO UFDIOPMPHZ
komprehensif untuk menunjang proses bisnis mikro infrastructure, so that monitoring can be performed on
ZBOHCFSLVBMJUBT BEBJMZ8DPNQSFIFOTJWFCBTJTUPTVQQPSUUIFRVBMJmFE
4. Melakukan pengembangan Monitoring System. process of micro business.
.FOZFNQVSOBLBO4USBUFHJ1FOBOHBOBO,SFEJU %FWFMPQUIF.POJUPSJOH4ZTUFN
1FOFSBQBO TUJNVMVT LFCJKBLBO EFOHBO NFMBLVLBO 3FmOFUIF$SFEJU.BOBHFNFOU4USBUFHZ
QFNVUBLIJSBOBUBTLFCJKBLBOZBOHBEB QFOZFSBHBNBO "QQMJDBUJPOPGUIFQPMJDZTUJNVMVTUISPVHIUIFVQEBUF
tools analisa dokumen legal, dan penambahan jumlah PG UIF FYJTUJOH QPMJDJFT VOJGZJOH UIF MFHBM EPDVNFOU
QFHBXBJZBOHNFOHFMPMBQPSUPGPMJPLSFEJU BOBMZTJTUPPMT BOEJODSFBTJOHUIFOVNCFSPGFNQMPZFFT
.FOZFNQVSOBLBO4USBUFHJ1FOBOHBOBO,SFEJU to manage loan portfolio.
.FOHHBOEFOH ,BOUPS 1FMBZBOBO ,FLBZBBO /FHBSB 3FmOF$SFEJU.BOBHFNFOU4USBUFHZ
EBO -FMBOH ,1,/-
EBMBN QFOBOHBOBO LSFEJU 8PSL UPHFUIFS XJUI UIF 0GmDF PG 4UBUF 1SPQFSUZ BOE
bermasalah. "VDUJPO ,1,/-
JOUIFNBOBHFNFOUPGOPOQFSGPSNJOH
.FOHFNCBOHLBO "QMJLBTJ ,SFEJU 0OMJOF .JLSP EBO loans.
Aplikasi Penjaminan Kredit Online (APKO). %FWFMPQ UIF 0OMJOF .JDSP $SFEJU "QQMJDBUJPO BOE UIF
Online Credit Guarantee Application (APKO).
E. Waroeng bjb E. Waroeng bjb

Secara bertahap akan ditutup dan diganti menjadi Mobile 8BSPFOH CKC XJMM HSBEVBMMZ CF DMPTFE BOE SFQMBDFE CZ
Distribution/bjb MODIS untuk menjangkau ke desa dan Mobile Distribution/ bjb MODIS to reach the villages and
LFDBNBUBO CBJL QFMBZBOBO NJLSP EBO QFOHIJNQVOBO districts, both micro services and retail fund raising from
EBOBSFUBJMEBSJNBTZBSBLBUTFTVBJLFCJKBLBO0+,QFSJIBM UIFQVCMJDCBTFEPOUIFQPMJDZPG'4"PO-",61"/%"*
-",61"/%"*

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
MIKRO
F. Pemilihan Nasabah F. Selection of Customer

1. Menerapkan Selective Selling EBMBN QFOZBMVSBO "QQMZ4FMFDUJWF4FMMJOHJOMFOEJOH
kredit. 2. Conduct market segmentation with a focus on the
2. Melakukan segmentasi pasar dengan fokus pada principal debtor, seek to increase assets management
EFCJUVSVUBNB CFSVQBZBNFOJOHLBULBOLFMPMBBOBTFU and strive to develop new markets.
EBO UFUBQ CFSVTBIB NFOHFNCBOHLBO QBTBS ZBOH
baru.

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
149
MICRO

Pada 24 September 2014, bank bjb menandatangani On September 24, 2014, the Bank signed a cooperation
1FSKBOKJBO ,FSKB 4BNB 1,4
,SFEJU $JOUB 3BLZBU ,$3
BHSFFNFOUPO,SFEJU$JOUB3BLZBU ,$3
XJUIUIF(PWFSONFOU
CFSTBNB 1FNFSJOUBI 1SPWJOTJ +BXB #BSBU ZBOH NFSVQBLBO PG 8FTU +BWB 1SPWJODF OBNFMZ 1IBTF *7 BGUFS UIF UISFF
5BIBQ ,F*7 TFUFMBI UJHB UBIBQ TFCFMVNOZB EJSFBMJTBTJLBO previous stages being realized in 2013. In the fourth stage,
pada tahun 2013. Pada tahap IV, Pemerintah Provinsi the Government of West Java Province will be hand back the
+BXB #BSBU BLBO NFOZFSBILBO LFNCBMJ %BOB #FSHVMJS ,$3 ,$33FWPMWJOH'VOEPG3QCJMMJPOUPCBOLbjb with a tenor
TFCFTBS 3Q NJMJBS LFQBEB CBOL bjb dengan jangka PGZFBSTTJODFUIFTJHOJOHPGUIF"HSFFNFOU
waktu pengembalian 5 tahun sejak penandatangan PKS dan
Kesepakatan Bersama.
#FSEBTBSLBO EBUB QPTJTJ "HVTUVT UPUBM SFBMJTBTJ ,$3 Based on the data on the position in August 2014, total
TFCFTBS 3Q NJMJBS EFOHBO outstanding/baki debet SFBMJ[BUJPO PG ,$3 XBT 3Q CJMMJPO XJUI PVUTUBOEJOH
TFCFTBS 3Q NJMJBS 5PUBM EFCJUVS QBEB TFHNFO JOJ EFCJUPG3QCJMMJPO5PUBMEFCUPSTJOUIJTTFHNFOUXFSF
TFCBOZBLEFOHBOQFOZFSBQBOUFOBHBLFSKBTFCBOZBL XJUI FNQMPZNFOU BCTPSQUJPO PG QFPQMF 5IJT
23.245 orang. Pencapaian tersebut didukung dengan jaringan BDIJFWFNFOU XBT TVQQPSUFE CZ CBOL bjbT 0GmDF OFUXPSL
Kantor bank bjbZBOHUFMBIUFSTFCBSEJ8JMBZBI1SPWJOTJ+BXB spread in the West Java Province with a number of 33
#BSBU EFOHBO KVNMBI ,BOUPS $BCBOH EBO ,BOUPS CSBODIFTBOETVCCSBODIFT
Cabang Pembantu.
6OUVLLJOFSKBQFOZBMVSBO QFSUVNCVIBOQPTJTJLSFEJULFMPMBBO For the performance distribution, the growth of credit managed
Divisi Mikro dari Desember 2013 sampai Desember 2014 CZ UIF .JDSP %JWJTJPO GSPN %FDFNCFS VOUJM %FDFNCFS
NFOHBMBNJ QFSMBNCBUBO TFIJOHHB NFOKBEJ 3Q USJMJVO FYQFSJFODFEBTMPXEPXOBOECFDBNF3QUSJMMJPO5IF
4LJN,SFEJU.JLSP6UBNBNFNJMJLJLPOUSJCVTJTFCFTBS .BJO .JDSPDSFEJU TDIFNF DPOUSJCVUFE PS 3Q
BUBV TFCFTBS 3Q NJMJBS EBSJ UPUBM QFOZBMVSBO LSFEJU EJ billion of the total lending in the micro sector.
sektor mikro.
Sedangkan ekspansi kredit kelolaan Divisi Mikro sepanjang .FBOXIJMF UIF FYQBOTJPO PG DSFEJU NBOBHFE CZ UIF .JDSP
UBIVO NFODBQBJ 3Q USJMJVO EFOHBO run off 3Q %JWJTJPOEVSJOHUIFZFBSSFBDIFE3QUSJMMJPOXJUISVO
triliun. Sehingga, pertumbuhan neto tahunan (YoY) mencapai PGG3Q5SJMMJPO5IVT UIFBOOVBMOFUHSPXUI :P:
SFBDIFE
3Q NJMJBS "EBQVO QFSUVNCVIBO /P" /VNCFS PG 3Q CJMMJPO 5IF HSPXUI PG /P" /VNCFS PG "DDPVOUT

Account) Kelolaan Divisi Mikro dari Desember 2013 sampai NBOBHFE CZ UIF .JDSP %JWJTJPO GSPN %FDFNCFS UP
EFOHBO %FTFNCFS NFOVSVO BUBV TFCBOZBL %FDFNCFS EFDSFBTFE PS BT NVDI BT
BLVO accounts.
Untuk Pendapatan Bunga Kredit Yang Diberikan (PBKYD) Credit Interest Income (PBKYD) of the Micro Division until the
Divisi Mikro hingga Triwulan IV tahun 2014, mencapai 'PVSUI2VBSUFSPGSFBDIFE3QCJMMJPO EFDSFBTJOH
3Q NJMJBS BUBV UVSVO EJCBOEJOH QFSJPEF ZBOH CZPWFSUIFTBNFQFSJPEJOUIFQSFWJPVTZFBS XIJDI
TBNBUBIVOTFCFMVNOZB ZBOHNFODBQBJ3Q USJMJVO XBT3QUSJMMJPO
1FOZVNCBOHQFOEBQBUBOUFSCFTBSEJQFSPMFIEBSJLSFEJUZBOH 5IF MBSHFTU DPOUSJCVUPS UP SFWFOVF XBT DSFEJU FYUFOEFE CZ
EJTBMVSLBO PMFI (SVQ .JLSP ZBJUV TFCFTBS 3Q NJMJBS UIF.JDSP(SPVQ BNPVOUJOH3QCJMMJPO BEFDSFBTFPG
ZBOHNFMBNCBU EJCBOEJOH%FTFNCFS 24.30% compared to the position in December 2013.
Sedangkan kredit bermasalah atau /PO 1FSGPSNJOH -PBO .FBOXIJMF HSPTT OPOQFSGPSNJOH MPBOT /1-
VOUJM UIF FOE
/1-
Gross hingga akhir tahun 2014 mencapai 22,7%. of 2014 reached 22.7%, an increase of 11.4% compared to
,POEJTJJOJMFCJIUJOHHJ EJCBOEJOHLBOUBIVOZBOH 2013, which amounted to 11.3%.
sebesar 11,3%.

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
MIKRO
Berikut ini tabel kinerja usaha kredit mikro bank bjb dalam tiga The following table describes the performance of the
tahun terakhir. $PNQBOZTNJDSPDSFEJUJOUIFMBTUUISFFZFBST
3Q+VUB LFDVBMJ/P"
3Q.JMMJPO FYDFQU/P"
Desember 2014 Desember 2013 Desember 2012

December 2014 December 2013 December 2012
Skim Kredit Credit Scheme
NoA Value NoA Value NoA Value
8JMBZBI 30.585 1.880.010 33.382 3FHJPO
8JMBZBI 10.553 3FHJPO
8JMBZBI 30.375 1.824.157 35.584 31.272 3FHJPO
8JMBZBI 528.005 3FHJPO
Jumlah 79.962 4.505.840 95.384 5.363.482 83.707 4.550.811 Total

%BMBN SFODBOB TUSBUFHJT 1FSVTBIBBO EJ CJEBOH QFOZBMVSBO *O UIF $PNQBOZT TUSBUFHJD QMBOT JO MFOEJOH UIF #BOL
kredit di tahun 2015, bank bjb akan fokus pada sektor produktif, will focus on the productive sectors, in the micro, small and
UFSVUBNBVOUVLTLBMBVTBIBNJLSP LFDJMNFOFOHBI/BNVO medium enterprises. This will be performed while maintaining
hal itu dilakukan tetap dengan menjaga prinsip kehati-hatian. the principle of prudence.
Dari sisi target pertumbuhan untuk kredit mikro, bank bjb From the growth target for micro credit, bank bjb estimates to
memperkirakan bisa meraih peningkatan 10% dibandingkan achieve a 10% increase compared to the realization in 2014.
EFOHBO SFBMJTBTJ UBIVO )BM JOJ EJEVLVOH PMFI LPOEJTJ 5IJTJTTVQQPSUFECZUIFFYUFSOBMBOEJOUFSOBMDPOEJUJPOT
eksternal dan internal.
Dari sisi eksternal, kondisi perekonomian secara umum 'SPN UIF FYUFSOBM TJEF UIF FDPOPNJD DPOEJUJPO JT HFOFSBMMZ
diperkirakan lebih baik dibandingkan dengan tahun 2014. expected to be better compared to the condition in 2014.
Sedangkan dari sisi internal, sejak Desember 2014 bank bjb Meanwhile, from the internal side, since December 2014 bank
telah mengembangkan organisasi unit usaha mikro menjadi bjb has transformed the micro business unit into the level of
TFUJOHLBU%JSFLUPSBU TFIJOHHBSVBOHHFSBLOZBNFOKBEJMFCJI Directorate thus having more opened space of movement.
leluasa.
6OUVL NFODBQBJ UBSHFU ZBOH UFMBI EJUFUBQLBO TFKVNMBI To achieve the targets set, a number of strategic initiatives
JOJTJBUJGTUSBUFHJUFMBIEJTJBQLBO EJBOUBSBOZB IBWFCFFOQSFQBSFE JODMVEJOH
1. Program PESAT 1. PESAT Program

1SPHSBN JOJ EJLFOBM EFOHBO 1SPHSBN 1FNCFSEBZBBO This program is known as the Integrated Customer
&LPOPNJ /BTBCBI 5FSQBEV BUBV EJTFCVU EFOHBO Economic Empowerment or referred to PESAT. The
1&4"5 4USBUFHJ ZBOH BLBO EJKBMBOLBO NFMBMVJ 1&4"5 strategies that will be implemented through PESAT
EJBOUBSBOZB JODMVEF
B 1FNCFSEBZBBO OBTBCBI NJLSP QSB QVSOBCBLUJ EBO B &NQPXFSJOHDVTUPNFSTNJDSP QSFSFUJSFEBOESFUJSFE
purnabakti
b. Penjaringan pelaku usaha potensial dengan C /FUXPSLJOH PG QPUFOUJBM CVTJOFTT PQFSBUPST VTJOH
menggunakan nasabah eksis sebagai “entry point”. FYJTUJOHDVTUPNFSTBTUIFiFOUSZQPJOUw

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
151
MICRO
D 1FOFUSBTJUFSIBEBQLFMPNQPLNBTZBSBLBUZBOHCFMVN D 1FOFUSBUJPOPGUIFHSPVQPGQFPQMFUIBUOPUZFUSFBDIFE

tersentuh oleh bank. CZUIF#BOL
E .FOKBMJOLFSKBTBNBEFOHBOJOTUJUVTJQFNFSJOUBIZBOH d. Collaborate with government agencies in charge of

membidangi UMKM. MSME.
5BSHFUZBOHJOHJOEJDBQBJEBSJQSPHSBNTUSBUFHJTUFSTFCVU 5BSHFUTUPCFBDIJFWFEGSPNUIFTUSBUFHJDQSPHSBNBSF
BEBMBI
a. Menciptakan dan membentuk “loyal” customer, B $SFBUF BOE FTUBCMJTI iMPZBMw DVTUPNFST UIVT QBWJOH
sehingga melapangkan jalan untuk mengembangkan UIF XBZ GPS EFWFMPQJOH DVTUPNFS CVTJOFTT JO B
bisnis nasabah secara berkelanjutan mengingat sustainable manner given their characters are more
LBSBLUFSOZBMFCJIUFSKBHBEJCBOEJOHLBOOBTBCBICBSV maintained than new customers.
b. Menumbuhkan potensi calon nasabah di kalangan b. Cultivate the potential of prospective customers in the
NBTZBSBLBUEBOLPNVOJUBT TPDJFUZBOEDPNNVOJUZ
D .FOHJOUFHSBTJLBOBOUBSBVQBZBmaintenance nasabah c. Integrate the efforts of maintenance of existing

ZBOHBEBEFOHBO1FOKBSJOHBOpre-customer. DVTUPNFSTXJUIQSFDVTUPNFS/FUXPSLJOH
E #FSTBNB QFNFSJOUBI NFOKBEJ BHFO QFNCFSEBZB d. Together with the Government becomes an
kewirausahaan. entrepreneurial empowerment agent.
Adapun target komposisi sasaran PESAT, terutama 5IF UBSHFU PG 1&4"5 JT FTQFDJBMMZ UIF DVTUPNFST GSPN
NFSVQBLBOLPOTVNFOZBOHCFSBTBMEBSJOBTBCBIexisting, existing customers, which amounted to 50%. The rest is
ZBJUV TFCFTBS 4JTBOZB IBTJM LFSKB TBNB EFOHBO the result of cooperation with the government (30%) and
pemerintah (30%) dan pengembangan melalui komunitas UISPVHIDPNNVOJUZEFWFMPQNFOU

(20%).
3FODBOB TUSBUFHJT MBJO ZBOH BLBO NFOEVLVOH VQBZB 2. Another strategic plan that will support the efforts to
QFODBQBJBOUBSHFUUBIVOBEBMBI BDIJFWFUIFUBSHFUTBSF
a. Di bidang komunikasi dan pemasaran B *OUIFmFMEPGDPNNVOJDBUJPOTBOENBSLFUJOH

4USBUFHJ JOJ EJ BOUBSBOZB EJMBLVLBO NFMBMVJ gathering 5IJT TUSBUFHZ BNPOH PUIFST XJMM CF DPOEVDUFE
dengan bantuan bagian pemasaran, pembuatan through gathering with the help of marketing, creation
media komunikasi, sosialisasi restrukturisasi kredit, of communication media, dissemination of loan
serta membuka potensi top up bagi debitur existing restructuring, as well as opening the potential of top-
ZBOHNFNJMJLJSJXBZBULSFEJUZBOHTFIBU VQTGPSUIFFYJTUJOHEFCUPSTXJUIIFBMUIZDSFEJUIJTUPSZ
b. Pengembangan infrastruktur b. Infrastructure development

%J CJEBOH QFOHFNCBOHBO JOGSBTUSVLUVS EJ BOUBSBOZB The development of infrastructure will be conducted
EJMBLVLBO EFOHBO
NFOZJBQLBO QFOEJEJLBO CBHJ CZ
QSFQBSJOH UIF FEVDBUJPO GPS BDDPVOU PGmDFST
BDDPVOU PGmDFS, 2) pengembangan loan origination
UIFEFWFMPQNFOUPGMPBOPSJHJOBUJPOTZTUFN
UIF
system, 3) pengembangan waroeng bjb. development waroeng bjb.

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
MIKRO
c. Jaringan kerja sama c. Cooperation network

6OUVL KBSJOHBO LFSKB TBNB EJ BOUBSBOZB EJMBLVLBO Cooperation network will be established with the
dengan Pemerintah Pusat dalam hal ini Kementerian $FOUSBM (PWFSONFOU JO UIJT DBTF UIF .JOJTUSZ PG
5FLOJT EBO 1FNFSJOUBI 1SPWJOTJ +BXB #BSBU /BNVO Technical and the local Government of West Java
tetap terbuka kemungkinan untuk kerja sama dengan 1SPWJODF)PXFWFS UIFQPTTJCJMJUZGPSDPPQFSBUJPOXJUI
pihak atau lembaga lain. other institutions remains to be opened.
d. Pemilihan nasabah d. Customer selection

Perusahaan juga akan melakukan pemetaan potensi 5IF DPNQBOZ XJMM BMTP DPOEVDU DSFEJU QPUFOUJBM
LSFEJUQSPHSBNEJXJMBZBILFSKBCBOLbjb dan menjaga mapping program in the working areas of bank bjb
hubungan baik dengan debitur existing kelolaan and maintain good relationships with the existing
Kredit Program. Selain itu, bank bjb akan melakukan EFCUPSTNBOBHFECZUIF$SFEJU1SPHSBN*OBEEJUJPO
QFOFUSBTJQBEBKBSJOHBOLPQFSBTJZBOHNFNJMJLJLJOFSKB the bank bjb will penetrate the cooperative network
baik setelah melakukan analisis data dari Dinas XJUIHPPEQFSGPSNBODFBGUFSUIFBOBMZTJTPGEBUBGSPN
Koperasi. the Department of Cooperatives is conducted.
Pada saat bersamaan, bank bjb akan menghentikan At the same time, the bak bjbXJMMUFNQPSBSZTVTQFOE
TFNFOUBSB QFOZBMVSBO stop selling) bagi Cabang/ the disbursement (stop selling) for Branches/KCP with
,$1ZBOH/1-OZBEJBUBT%FOHBOCFHJUV EBQBU /1- BCPWF #Z EPJOH TP UIF #BOL DBO CF NPSF
MFCJIGPLVTEBMBNNFOVSVOLBOUJOHLBU/1-TFSUBUFUBQ GPDVTFEPOMPXFSJOHUIFMFWFMPG/1-BOESFNBJOQSP
secara pro aktif dalam melakukan penagihan. active in collection.
e. Pengembangan produk e. Product development

5BL LBMBI QFOUJOHOZB EBMBN SBOHLB NFOJOHLBULBO &RVBMMZ JNQPSUBOU JO PSEFS UP JNQSPWF CVTJOFTT
kinerja usaha di bidang mikro, bank bjb akan terus QFSGPSNBODF JO UIF mFME PG NJDSP CBOL bjb will
melakukan inovasi pengembangan produk agar continue to innovate the development of products to
sesuai dengan kebutuhan nasabah. suit customer needs.

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
153
MICRO

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
INTERNASIONAL
& TRESURI
INTERNATIONAL & TREASURY

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
155
INTERNASIONAL INTERNATIONAL
bank bjb NFOBXBSLBO MBZBOBO BLUJWJUBT QFSCBOLBO NFMBMVJ bank bjb offers banking services through the product Trade
produk transaksi Trade Finance and Services dan remittance Finance and Services transactions and remittance supported
ZBOH EJEVLVOH PMFI CBOL LPSFTQPOEFO Depository CZDPSSFTQPOEFOUCBOLT %FQPTJUPSZ$PSSFTQPOEFOU
Correspondent, dengan 22 /PTUSP "DDPVOU TFSUB XJUI/PTUSP"DDPVOUT BOEDPVOUFSQBSUJFT #BOLTBOE
counterparties (#BOLT BOE /PO #BOLT), agen remitansi di 4 /PO#BOLT
SFNJUUBODFBHFOUTJO"TJBODPVOUSJFT BTXFMMBT
negara Asia, serta kerja sama strategis dengan berbagai strategic alliances with various parties.
pihak.
Di tahun 2014, fee based income ZBOH EJQFSPMFI EBSJ In 2014, fee-based income derived from Trade Finance
aktivitas Trade Finance and ServicesEBO3FNJUBOTJCFSIBTJM BOE 4FSWJDFT BT XFMM BT 3FNJUUBODF NBOBHFE UP SFDPSE BO
NFODBUBULBO QFODBQBJBO NFMFCJIJ UBSHFU ZBOH EJUFUBQLBO BDIJFWFNFOU FYDFFEJOH UIF UBSHFU TFU 5IJT JT TVQQPSUFE CZ
)BM JOJ EJEVLVOH PMFI CFSCBHBJ GBLUPS BOUBSB MBJO QFSCBJLBO B WBSJFUZ PG GBDUPST BNPOH PUIFST TFSWJDFT JNQSPWFNFOU
MBZBOBO JOGSBTUSVLUVS QSPNPTJ EBMBN CFSCBHBJ LFHJBUBO JOGSBTUSVDUVSF QSPNPUJPOJOBWBSJFUZPGBDUJWJUJFTUIBUTVQQPSU
ZBOH NFOEVLVOH QFOJOHLBUBO USBOTBLTJ QFSEBHBOHBO EBO the increase of trade transactions and remittance as well
SFNJUBOTJTFSUBBEBOZBUBSHFUNBSLFUCBSVNFMBMVJUSBOTBLTJ as the new target market through transactions to the bank’s
kepada nasabah maupun counterparty bank. customers and counterparties.
Trade Finance Trade Finance

bank bjb NFOBXBSLBO CFSCBHBJ QSPEVL EBO MBZBOBO bank bjb offers a comprehensive range of products and
LPNQSFIFOTJG CBHJ QBSB QFOHVTBIB ZBOH CFSHFSBL EBMBN services for entrepreneurs engaged in activities related to
CJEBOH VTBIB ZBOH CFSLBJUBO EFOHBO FLTQPS JNQPS exports and imports, local trade and other businesses. bank
QFSEBHBOHBO MPLBM NBVQVO VTBIB MBJOOZB 1SPEVL CBOL bjbTQSPEVDUTDBOCFVTFEBTMPOHBTUIFQBZNFOUNFUIPE

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
INTERNASIONAL & TRESURI
bjb CJTB EJNBOGBBULBO TFQBOKBOH NFUPEF QFNCBZBSBOOZB uses the Letter of Credit (LC) or Letter of Credit with Domestic
menggunakan Letter of Credit (LC) ataupun Surat Kredit %PDVNFOUBUJPO 4,#%/
PS HVBSBOUFFT BOE TUBOECZ MFUUFS
#FSEPLVNFO%BMBN/FHFSJ 4,#%/
BUBVQVOguarantee dan of credit, which refers to the international regulations, which
Standby Letter of Credit ZBOH NFOHBDV LFQBEB LFUFOUVBO JODMVEF
JOUFSOBTJPOBM ZBOHEJBOUBSBOZB
t 1FOFSCJUBO-$4,#%/ t 1VCMJTIJOH-$4,#%/
• Collection-$4,#%/ t $PMMFDUJPO-$4,#%/
t /FHPTJBTJ t /FHPUJBUJPO
• Diskonto • Discount
• Shipping Guarantee • Shipping Guarantee
• Guarantee • Guarantee
• Standby Letter of Credit t 4UBOECZ-FUUFSPG$SFEJU
5JEBLIBOZBJUV CBHJQBSBQFOHVTBIBZBOHEBMBNNFOKBMBOLBO /PU POMZ UIBU GPS FOUSFQSFOFVST DPOEVDUJOH UIF CVTJOFTT
LFHJBUBO VTBIBOZB UJEBL NFOHHVOBLBO TLFNB QFNCBZBSBO operation without the Letter of Credit as the scheme of
dengan menggunakan Letter of Credit maka dapat ditawarkan QBZNFOU UIF#BOLPGGFSTBXJEFSBOHFPGUSBOTBDUJPOTFSWJDFT
CFSCBHBJMBZBOBOUSBOTBLTJ EJBOUBSBOZB JODMVEJOH
• Open Account Financing • Open Account Financing

• Bill Collection Financing • Bill Collection Financing
Guna terus meningkatkan pertumbuhan bisnis dan To enhance business growth and increase fee-based income,
peningkatan fee based income, selain mendorong aktivitas JO BEEJUJPO UP FODPVSBHJOH USBEF mOBODF BOE SFNJUUBODF JO
USBEFmOBODF dan remitansi pada tahun 2014, peran Financial UIF SPMF PG UIF 'JOBODJBM *OTUJUVUJPO BT POF PG UIF QSPmU
Institution sebagai salah satu QSPmU DFOUFS dalam bisnis centres in the banking business continues to be develop,
perbankan terus dikembangkan, melalui pemasaran produk through the marketing of products among banks. The interbank
QSPEVLBOUBSCBOL5SBOTBLTJBOUBSCBOLZBOHTBBUJOJTVEBI USBOTBDUJPOT XIJDI BSF DVSSFOUMZ SVOOJOH BOE DPOUSJCVUJOH
berjalan dan memberikan kontribusi terhadap peningkatan to the increase of fee-based income are Guarantee under
fee based income adalah produk Guarantee under Counter $PVOUFS (VBSBOUFF BOE $PVOUFSQBSUZ #BOL 5SBEF 'JOBODJOH
Guarantee dan Counterparty Bank Trade Financing ZBOH XIJDI SFDPSEFE TJHOJmDBOU USBOTBDUJPO WPMVNF DPNQBSFE UP
UFMBINFODBUBULBOWPMVNFUSBOTBLTJZBOHDVLVQTJHOJmLBOEJ UIFZFBS
banding tahun 2013.
Trade Financing BOUBSCBOL UFSTFCVU NFNJMJLJ QPUFOTJ ZBOH The interbank Trade Financing has considerable potential as a
cukup besar sebagai kontributor penambah fee based contributor to enhance fee-based income. This product is also
income. Produk ini diharapkan juga dapat membawa bank bjb expected to bring bank bjb equal with other major banks in the
TFKBKBSEFOHBOCBOLCBOLCFTBSMBJOOZBEBMBNCJEBOHTrade mFMEPG5SBEF'JOBODFBOE4FSWJDFT
Finance and Services.
Produk Remitansi Remittance Products

Selain melalui produk USBEFmOBODF EBMBNVQBZBNFOEVLVOH *O BEEJUJPO UISPVHI USBEF mOBODF QSPEVDUT JO UIF FGGPSU UP
pencapaian fee based TFSUB NFNCFSJLBO QFMBZBOBO QSJNB support the achievement of fee-based and provide excellent
LFQBEB NBTZBSBLBU MVBT QSPEVL SFNJUBOTJ UFSVT NFOFSVT services to the general public, remittance products are
dikembangkan dan dipromosikan agar dapat dimanfaatkan DPOUJOVPVTMZ EFWFMPQFE BOE QSPNPUFE GPS UIF CFOFmU PG UIF
PMFI NBTZBSBLBU MVBT ZBOH NFNFSMVLBO MBZBOBO QFSCBOLBO XJEFSDPNNVOJUZXIPSFRVJSFCBOLJOHTFSWJDFTJOUIFSFNPUF

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
157
sampai ke pelosok daerah. Produk remitansi tersebut BSFBT5IFSFNJUUBODFQSPEVDUTJODMVEFCKCGPSFJHODVSSFODZ

mencakup bjb transfer valas, Western Union, maupun bjb transfers, Western Union, and bjb quickcash.
quickcash.
Produk bjb quickcash NFSVQBLBO TJTUFN ZBOH EJCBOHVO bjb RVJDLDBTI JT B TZTUFN CVJMU JOUFSOBMMZ CZ CBOL bjb. This
secara internal oleh bank bjb. Produk ini akan diintegrasikan QSPEVDUXJMMCFJOUFHSBUFEXJUIUIFSFNJUUBODFTZTUFNPXOFE
EFOHBO TJTUFN SFNJUBOTJ ZBOH EJNJMJLJ PMFI BHFO SFNJUBOTJ CZ UIF SFNJUUBODF BHFOUT JO GPVS
DPVOUSJFT UIVT HJWJOH
di empat (4) negara, sehingga memberikan keleluasaan nFYJCJMJUZ GPS NPOFZ TFOEFST GSPN PWFSTFBT UP DIPPTF UIF
LFQBEB QFOHJSJN VBOH EJ MVBS OFHFSJ VOUVL NFNJMJI MBZBOBO TFSWJDF UP SFDFJWF UIF NPOFZ JO UIF DPVOUSZ UISPVHI DBTI UP
penerimaan uang di dalam negeri melalui cash to cash, cash cash, cash to bjb account, cash to a non bjb account.
to bjb account, cash to non bjb account.
bank bjb CFSIBSBQ EBQBU NFNCFSJLBO LFOZBNBOBO bank bjb hopes to provide the convenience of transacting
bertransaksi dengan menggunakan bjb quickcash bukan XJUIUIFVTFPGCKCRVJDLDBTIOPUPOMZUPDVTUPNFST CVUBMTP
IBOZB LFQBEB OBTBCBI UFUBQJ KVHB LFQBEB BHFO SFNJUBOTJ to the remittance agents who will work with bank bjb. This is
ZBOHBLBOCFLFSKBTBNBEFOHBOCBOLbjb)BMJUVEJXVKVELBO SFBMJ[FE UISPVHI UIF EFWFMPQNFOU PG UIF TZTUFN PO BO PO
EFOHBO EJMBLVLBOOZB QFOHFNCBOHBO TJTUFN TFDBSB going basis in order to meet the expectations of the remittance
berkesinambungan agar dapat memenuhi ekspektasi dari agents working together with bank bjb, thus the activities of
para remitting agentZBOHCFLFSKBTBNB TFIJOHHBLFHJBUBO SFNJUUBODFXPVMECFNPSFFGGFDUJWF FGmDJFOUBOESFMJBCMF
SFNJUBOTJ BLBO NFOKBEJ MFCJI FGFLUJG FmTJFO EBO EBQBU
diandalkan.
)JOHHB TBBU JOJ QFOHFNCBOHBO ZBOH CFSLFTJOBNCVOHBO Until now, the continuous development has managed to
tersebut telah berhasil menampilkan berbagai alternatif solusi EJTQMBZBWBSJFUZPGBMUFSOBUJWFTPMVUJPOTUIBUDBOCFVUJMJ[FEBT
ZBOHEBQBUEJNBOGBBULBOPMFIQBSBremitting agent rekanan OFFEFECZUIFSFNJUUJOHBHFOUTQBSUOFSTPGCBOLbjb, starting
bank bjb sesuai dengan kebutuhan. Mulai dari Desktop GSPN%FTLUPQ4PMVUJPO )PTUUP)PTU BOEUIFXFC1PSUBMXIJDI
Solution, Host to Host EBOZBOHNBTJIUFOHBIEJLFNCBOHLBO is still being developed.
ZBJUVWeb Portal.
Perusahaan berpandangan bahwa bisnis dalam bidang 5IF $PNQBOZ CFMJFWFT UIBU UIF SFNJUUBODF CVTJOFTT JT
remitansi cukup menjanjikan. Karena itu, persaingan baik promising. Therefore, the competition either with banks and
dengan bank maupun non bank menjadi semakin ketat. Dalam OPOCBOLTBSFCFDPNJOHJODSFBTJOHMZTUSJOHFOU*OUIJTDPOUFYU
LPOUFLTJOJMBI QSPNPTJNFOKBEJBLUJWJUBTZBOHTBOHBUQFOUJOH QSPNPUJPOCFDPNFTBOBDUJWJUZUIBUIBTBWFSZJNQPSUBOUSPMF
QFSBOOZB UFSVUBNBEBMBNIBMQFOJOHLBUBObrand awareness FTQFDJBMMZ JO UFSNT PG JODSFBTJOH CSBOE BXBSFOFTT PG CBOL
produk remittance bank bjb. bjb’s remittance product.
STRATEGI STRATEGY
.FOHJOHBU QFSTBJOHBO ZBOH TFNBLJO LFUBU LIVTVTOZB EJ (JWFOUIFJODSFBTJOHMZUJHIUDPNQFUJUJPO FTQFDJBMMZJOUIFmFME
bidang remitansi, bank bjb telah merealisasikan serangkaian of remittance, bank bjb has realized a series of strategies
TUSBUFHJ BHBS MBZBOBO ZBOH EJCFSJLBO 1FSVTBIBBO UFUBQ GPS UIF TFSWJDFT QSPWJEFE CZ UIF $PNQBOZ UP DPOUJOVF UP
NFNCFSJLBO LFOZBNBOBO CBHJ QFMBOHHBO TFLBMJHVT provide convenience for customers, while increasing market
NFOJOHLBULBO QFOFUSBTJ QBTBS %FOHBO TFNBLJO CBOZBLOZB penetration. With the increasing number of users of services
QFOHHVOB KBTB ZBOH EJUBXBSLBO PMFI QSPEVL %JWJTJ PGGFSFE CZ UIF *OUFSOBUJPOBM %JWJTJPOT QSPEVDUT CBOL bjb’s
Internasional ini, perolehan fee based income bank bjb juga BDRVJTJUJPOPGGFFCBTFEJODPNFNBZBMTPJODSFBTF
dapat meningkat.

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
#FCFSBQB JOJTJBUJG ZBOH EJKBMBOLBO TFQBOKBOH UBIVO EJ 4PNF PG UIF JOJUJBUJWFT VOEFSUBLFO EVSJOH UIF ZFBS
BOUBSBOZBBEBMBI BNPOHPUIFST
A. Pemasaran dan Promosi A. Marketing and Promotion

Perusahaan senantiasa gencar memperkenalkan produk 5IF $PNQBOZ DPOUJOVPVTMZ JOUSPEVDFE QSPEVDUT UP UIF
ZBOH EJNJMJLJ LFQBEB OBTBCBI ZBOH UFMBI BEB NBVQVO existing and prospective customers. Marketing and
calon nasabah. Kegiatan pemasaran dan promosi QSPNPUJPOBMBDUJWJUJFTXFSFDBSSJFEPVUUISPVHIBWBSJFUZPG
dilakukan melalui beragam saluran komunikasi dan DPNNVOJDBUJPODIBOOFMTBOETUSBUFHJFT XIJDIJODMVEFE
TUSBUFHJ ZBOHEJBOUBSBOZBBEBMBI
1. Produk Trade Finance 1. Products Trade Finance

Kegiatan pemasaran untuk produk USBEF mOBODF, di .BSLFUJOH BDUJWJUJFT GPS UIF USBEF mOBODF QSPEVDUT
BOUBSBOZBEJMBLVLBONFMBMVJ JODMVEFE
a. Gathering dengan nasabah dan calon nasabah a. Gathering with customers and potential customers,
QPUFOTJBM TFQFSUJ #,1. #,1.% LPNVOJUBT TVDI BT #,1. #,1.% CVTJOFTT DPNNVOJUZ
CJTOJT BTPTJBTJ QFOHVTBIB ,BEJO )*1.* )*11* business associations, The Chamber of Commerce,
ZBOHNFNJMJLJPSJFOUBTJUSBOTBLTJFLTQPSJNQPSEBO )*1.* )*11* XJUI UIF PSJFOUBUJPO PG FYQPSUJNQPSU
perdagangan dalam negeri. transactions and domestic trade.
C .FNCFSJLBO FEVLBTJ LFQBEB NBTZBSBLBU C &EVDBUF UIF HFOFSBM QVCMJD BNPOH PUIFST CZ
luas, seperti bank bjb secara regular menjadi SFHVMBSMZCFJOHUIFHVFTUTQFBLFSBUWBSJPVTFWFOUT
OBSBTVNCFS EJ CFSCBHBJ BDBSB ZBOH NFMJCBULBO involving exporters and importers in collaboration
para eksportir dan importir bekerja sama dengan XJUIUIF%FQBSUNFOUPG*OEVTUSZBOE$PNNFSDFPG
Dinas perindustrian dan Perdagangan Jawa West Java in all of the cities and districts in the work
#BSBU EJ TFMVSVI ,PUB EBO LBCVQBUFO EJ 8JMBZBI areas of bank bjb BOE UIF .JOJTUSZ PG $PNNFSDF
kerja bank bjb dan Kementrian Perdagangan BOEJOQBSUJDVMBSPSHBOJ[FECZUIF5SBJOJOH$FOUSF
TFSUBLIVTVTOZBZBOHEJTFMFOHHBSBLBOPMFI#BMBJ c. Develop a network of correspondent banks and
Pelatihan. DPVOUFSQBSUJFT UP FYQBOE UIF OFUXPSL $VSSFOUMZ
c. Mengembangkan jaringan bank koresponden NPSF UIBO DPSSFTQPOEFOU CBOLT BSF PQFOFE
dan counterparty untuk memperluas network. with banks in various countries and other non-bank
4BBU JOJ UFMBI MFCJI EBSJ CBOL LPSFTQPOEFO mOBODJBMJOTUJUVUJPOT
dibuka dengan bank di berbagai negara maupun E *O BEEJUJPO UP PQUJNJ[F JUT SPMF BT B QSPmU DFOUFS
MFNCBHBLFVBOHBOOPOCBOLMBJOOZB 'JOBODJBM *OTUJUVUJPO DPOUJOVPVTMZ TUSJWF UP DBQUVSF
E 4FMBJO JUV VOUVL NFOHPQUJNBMLBO QFSBOOZB business opportunities that can increase fee-
sebagai QSPmU DFOUFS, Financial Institution based income. This was performed through a
TFDBSB CFSLFTJOBNCVOHBO CFSVQBZB VOUVL cooperative relationship with the Counterparties.
TFOBOUJBTB NFOBOHLBQ QFMVBOH CJTOJT ZBOH
dapat meningkatkan fee based income )BM JUV
dilakukan melalui hubungan kerja sama dengan
Counterparty.
2. Produk Remitansi 2. Remittance Products

Beberapa kegiatan pemasaran di bidang remitansi ini 4PNF PG UIF NBSLFUJOH BDUJWJUJFT JO UIF mFME PG
EJMBLVLBOEJEBMBNEBOMVBSOFHFSJ NJTBMOZB SFNJUUBODFQFSGPSNFEEPNFTUJDBMMZBOEBCSPBEXFSF
a. kegiatan sponsorship )65 3* CFLFSKB TBNB B 3* "OOJWFSTBSZ $PNNFNNPSBUJPO TQPOTPSTIJQ JO
EFOHBO ,POTVMBU +FOESBM 3FQVCMJL *OEPOFTJB EJ collaboration with the Consulate General of the
)POH,POH 3FQVCMJDPG*OEPOFTJBJO)POH,POH

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
159
b. Pemasaran bersama Agent Remittance di C +PJOU NBSLFUJOH XJUI UIF 3FNJUUBODF "HFOU JO
Singapura. Singapore.
c. Kerja sama dengan Kementerian Tenaga Kerja D $PPQFSBUJPO XJUI UIF .JOJTUSZ PG .BOQPXFS BOE
dan Transmigrasi Indonesia melakukan edukasi Transmigration Indonesia to educate about
mengenai produk-produk perbankan, terutama CBOLJOH QSPEVDUT NBJOMZ SFNJUUBODF UP UIF
remitansi kepada TKI (Purna TKI ) dan keluarga Indonesian Workers/ TKI (ex-TKI) and their families
5,* ZBOH QBEB QFMBLTBOBBOZB CFLFSKB TBNB in collaboration with the government agencies such
dengan instansi pemerintah seperti Kementerian BTUIF.JOJTUSZPG-BCPVS UIF#PBSEPG.BOQPXFS
5FOBHB,FSKB %JTOBLFSUSBOT+BXB#BSBU #/15,* and Transmigration of West Java (Disnakertrans),
EBO8PSME#BOLZBOHUFMBIEJMBLVLBOEJ UVKVI
#/15,* BOE UIF 8PSME #BOL QFSGPSNFE JO
MPLBTJ LBOUPOH 5,* ZBJUV %FOQBTBS $JSFCPO TFWFO
MPDBUJPOT OBNFMZ %FOQBTBS $JSFCPO
3BOHLBT #BOKBS 5BTJL $JCVCVSEBO4VLBCVNJ 3BOHLBT #BOKBS 5BTJL $JCVCVSBOE4VLBCVNJ
B. Pengembangan Infrastruktur B. Development of Infrastructure

6OUVL NFOEVLVOH VQBZB CBOL bjb NFNCFSJLBO MBZBOBO To support the efforts of bank bjb to provide excellent
prima kepada nasabah, Divisi Internasional terus servicea to customers, the International Division continued
NFNQFSLVBU EBO NFNBOUBQLBO JOGSBTUSVLUVSOZB ZBOH UP TUSFOHUIFO BOE TPMJEJGZ JUT JOGSBTUSVDUVSF UISPVHI UIF
EJMBLVLBO QBEB QFOHFNCBOHBO BQMJLBTJ MBZBOBO EBO development of application of services and human
TVNCFSEBZBNBOVTJB resources.
1. Infrastruktur di Bidang Trade Finance dan Jasa ,QIUDVWUXFWXUH LQ WKH ÀHOG RI 7UDGH )LQDQFH DQG
Penanganan dokumen USBEF mOBODF dan jasa Services
ZBOH EJMBLVLBO TFDBSB UFSQVTBU TFKBL UBIVO 5IFIBOEMJOHPG5SBEFmOBODFEPDVNFOUTBOETFSWJDFT
Pengelolaan transaksi operasional dilaksanakan oleh JTQFSGPSNFEDFOUSBMMZTJODF.BOBHFNFOUPGUIF
checker EBO BOBMJT ZBOH CFSQFOHBMBNBO EJ CJEBOH USBOTBDUJPOT JT DBSSJFE PVU CZ DIFDLFS BOE BOBMZTUT
USBEFmOBODF dan jasa, sehingga semakin memberikan FYQFSJFODFEJOUIFmFMEPGUSBEFmOBODFBOETFSWJDFT
OJMBJ UBNCBI EBMBN NFNCFSJLBO QFMBZBOBO QSJNB thus providing added value in providing excellent
kepada nasabah bank bjb sesuai dengan komitmen services to customers of bank bjb in accordance
bank. Untuk itu bank bjb sedang melakukan with the Bank’s commitments. To that end, bank bjb
QFOHFNCBOHBO TJTUFN 5* 1MVT ZBOH EJIBSBQLBO JT DVSSFOUMZ EFWFMPQJOH UIF *5 1MVT TZTUFN XIJDI
dapat segera diimplementasikan termasuk rencana is expected to be implemented including the plan
NFOFSBQLBO 4FSUJmLBTJ *40 EBMBN UP BQQMZ *40 JO QSPWJEJOH TFSWJDFT UP
NFNCFSJLBO QFMBZBOBO LFQBEB OBTBCBI HVOB customers in order to increase competitiveness.
NFOJOHLBULBOEBZBTBJOH
2. Infrastruktur di Bidang Remitansi (bjb quickcash) 2. Infrastructure in Remittance (bjb quickcash)

Pengembangan Aplikasi bjb quickcash juga dilakukan The development of bjb quickcash application is also
secara terus menerus untuk mewujudkan bisnis model QFSGPSNFE DPOUJOVPVTMZ UP SFBMJ[F BO JODSFBTJOHMZ
SFNJUBOTJ ZBOH TFNBLJO EBQBU EJBOEBMLBO )JOHHB reliable business model of remittance. Until the end of
akhir tahun 2014, alternatif solusi Host to Host terus UIFBMUFSOBUJWFTPMVUJPOPG)PTUUP)PTUDPOUJOVFT
dikembangkan disesuaikan dengan kebutuhan to be developed adapted to the needs in order to
agar dapat lebih optimal dan user friendly. Selain CF NPSF PQUJNBM BOE VTFS GSJFOEMZ *O BEEJUJPO UIF
itu, pengembangan aplikasi bjb quickcash melalui development of bjb quickcash through the web portal
mekanisme Web Portal juga sedang dalam proses mechanism is also in the process of development, and
QFOHFNCBOHBO EBOSFODBOBOZBQBEBUBIVO in 2015 the Online Solution the will be develop as an
akan dikembangkan alternatif solusi melalui Online alternative solution.
Solution.

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
C. Pengembangan Layanan C. Development of Services

1. Komitmen untuk memberikan service excellent 1. We are committed to provide service excellence
terhadap nasabah, dengan selalu mengedepankan UP PVS DVTUPNFST CZ BMXBZT QSJPSJUJ[JOH UIF 4-"
SLA (Service Level Agreement) dalam memberikan (Service Level Agreement) in providing services. The
QFMBZBOBO 1FOHFMPMBBO 0QFSBTJPOBM Trade Finance centralized management of Trade Finance operations
TFDBSB UFSQVTBU NFNCFSJLBO CFOFmU CFSVQB QSPWJEFT CFOFmUT JO UIF GPSN PG TUBOEBSEJ[BUJPO BOE
standardisasi dan konsistensi terhadap pemenuhan DPOTJTUFODZPOUIFDPNQMJBODFUP4-"JOUIFIBOEMJOH
SLA dalam penanganan transaksi perdagangan. of trade transactions.
,PNJUNFO VOUVL NFNCFSJLBO QFMBZBOBO QSJNB 2. The commitment to provide excellent service to the
kepada nasabah remitansi melalui optimalisasi fungsi remittance customers through the optimization of the
Unit CSC (Customer Service Care) untuk penanganan function of the CSC Unit (Customer Service Care) for
complaint handling. the handling of complaint.
3. Melaksanakan fungsi advisory untuk memberikan $BSSZ PVU BO BEWJTPSZ GVODUJPO UP QSPWJEF UIF CFTU
TPMVTJUFSCBJLMBZBOBOQFSCBOLBOUFSLBJUUSBEFmOBODF TPMVUJPOTPGCBOLJOHTFSWJDFTSFMBUFEUPUSBEFmOBODF
bagi nasabah. to our customers.
1FOBNCBIBO KBSJOHBO TFSUB TJTUFN ZBOH UFSVT 5IF BEEJUJPO PG OFUXPSLT BOE TZTUFN XIJDI BSF
dikembangkan untuk dapat mendukung transaksi bjb DPOTUBOUMZ EFWFMPQFE UP TVQQPSU CKC RVJDLDBTI
quickcash EBMBN NFOKBOHLBV OBTBCBI ZBOH CFSBEB transactions in reaching the customers in the regions.
di daerah.
D. Proses Bisnis D. Business Process

1FOZFNQVSOBBO QSPTFT CJTOJT NFMBMVJ QFSTJBQBO 3FmOFNFOU PG UIF CVTJOFTT QSPDFTT UISPVHI UIF
JNQMFNFOUBTJTFSUJmLBTJ*40 QSFQBSBUJPO PG UIF JNQMFNFOUBUJPO PG *40
DFSUJmDBUJPO

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
161
Trade Finance Trade Finance

1FOHFNCBOHBOCJTOJTZBOHEJMBLVLBOTFQBOKBOHUBIVO Business development conducted throughout 2014 has shown
UFMBI NFOVOKVLBO USFO ZBOH DVLVQ QPTJUJG )BM JOJ EJUBOEBJ QPTJUJWFUSFOE5IJTXBTSFnFDUFECZUIFQFSGPSNBODFPGCBOL
dengan kinerja bisnis USBEF mOBODF bank bjb ZBOH CFSIBTJM bjbT USBEF mOBODF XJUI B UPUBM USBOTBDUJPO WPMVNF PG
meraih total volume transaksi selama tahun 2014 mencapai billion throughout 2014, including the volume of interbank
WPMVNF NJMJBS UFSNBTVL EJ EBMBNOZB WPMVNF USBOTBLTJ transactions.
antarbank.
Bisnis Remitansi Remittance Business

Kinerja pencapain target fee based remittance selama The achievement of the target of fee-based remittance during
tahun 2014 secara keseluruhan mencapai 114,45% dari 2014 overall reached 114.45% of the target. The achievement
target. Pencapaian tersebut terjadi selaras dengan strategi XBTBMJHOFEXJUIUIFNBSLFUJOHTUSBUFHZUIBUIBTCFFODBSSJFE
QFNBTBSBO ZBOH UFMBI EJMBLVLBO TFMBNB UBIVO ZBJUV PVUEVSJOH OBNFMZUIFBEEJUJPOPG5FSNJOBM*%TVCBHFOU
QFOBNCBIBO5FSNJOBM*%TVCBHFOU #13
BHFOEJMVBSOFHFSJ #13
PWFSTFBT BHFOUT QSPNPUJPOT DPOEVDUFE UISPVHIPVU
QSPNPTJQSPNPTJZBOHUFMBIEJMBLVLBOTFQBOKBOHUBIVO 2014, and the increase of bank bjbPGmDFOFUXPSL
EBOCFSUBNCBIOZBKBSJOHBOLBOUPSCBOLbjb.
bank bjbT SFNJUUBODF TFSWJDFT BSF DVSSFOUMZ TFSWFE JO
1FMBZBOBO SFNJUBOTJ CBOL bjb TBBU JOJ CJTB EJMBZBOJ EJ outlets. The addition of outlets in the future is expected to
outlet. Seiring penambahan outlet ke depan, diharapkan further increase fee-based acquisition from the remittance
semakin meningkatkan perolehan fee based dari bisnis business.
remitansi.

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO

Dalam rangka meningkatkan kinerja jasa pada unit usaha In order to improve the performance of services in the
internasional, bank bjb UFMBI NFOZJBQLBO TFKVNMBI JOJTJBUJG international business unit, bank bjb prepared a number of
ZBOHBLBOEJSFBMJTBTJLBOQBEBUBIVO JOJUJBUJWFTUIBUXJMMCFSFBMJ[FEJO OBNFMZ

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
163
TRESURI TREASURY
%JWJTJ 5SFBTVSZ TFCBHBJ QFOHFMPMB MJLVJEJUBT CBOL TFDBSB 5IF 5SFBTVSZ %JWJTJPO BT UIF PWFSBMM NBOBHFS PG UIF #BOLT
keseluruhan, senantiasa terus meningkatkan aktivitas MJRVJEJUZ BMXBZT JODSFBTFT JUT CVTJOFTT BDUJWJUJFT JO PSEFS UP
CJTOJTOZBEBMBNSBOHLBPQUJNBMJTBTJMJLVJEJUBTEBOQFOJOHLBUBO PQUJNJ[FUIF#BOLTMJRVJEJUZBOEJODSFBTFSFWFOVF)PXFWFS
QFOEBQBUBO CBOL /BNVO QBEB UBIVO 1FSVTBIBBO UIF $PNQBOZ TFFT BT B DIBMMFOHJOH QFSJPE JO UIF
NFNBOEBOHTFCBHBJQFSJPEFZBOHQFOVIUBOUBOHBOEJQBTBS mOBODJBMNBSLFU
keuangan.
Dari pasar domestik, suasana politik akibat Pemilu serta In the domestic market, the political condition due to the
QFMFNBIBOQFSFLPOPNJBO*OEPOFTJBEFOHBOUJOHHJOZBEFmTJU presidential election and the weakening of the Indonesian
OFSBDB QFSEBHBOHBO UFMBI NFOEPSPOH LFOBJLBO JOnBTJ FDPOPNZ EVF UP UIF IJHI EFmDJU PG UIF CBMBODF PG USBEF
4FNFOUBSB EBSJ QBTBS HMPCBM nVLUVBTJ QBTBS LFVBOHBO DBVTFE JOnBUJPO UP SJTF .FBOXIJMF JO UIF HMPCBM NBSLFU UIF
terutama disebabkan oleh rencana kenaikan suku bunga nVDUVBUJPOTXJUIJOUIFmOBODJBMNBSLFUXBTNBJOMZDBVTFECZ
Amerika Serikat (Fed Rate
TFUFMBI CFSBLIJSOZB QSPHSBN UIFQMBOUPJODSFBTF64JOUFSFTUSBUFT 'FE3BUF
BGUFSUIFFOE
stimulus ekonomi Quantitative Easing. of the Quantitative Easing economic stimulus program.
Selain itu, pemerintah memutuskan untuk menaikan harga In addition, the Government decided to raise the price of
##.CFSTVCTJEJTFCFTBS3QQFSMJUFSZBOHNFNCFSJLBO TVCTJEJ[FE GVFM BU 3Q QFS MJUFS QSPWJEJOH JOnBUJPOBSZ
UFLBOBO JOnBTJ TFIJOHHB #BOL *OEPOFTJB NFOBJLBO #* Rate QSFTTVSFDBVTJOH#BOL*OEPOFTJBUPSBJTFUIF#*3BUFUP
NFOKBEJ TFCFTBS EJ QFOHIVKVOH UBIVO /BNVO BUUIFFOEPG)PXFWFS UIFJODSFBTFJOUIFCFODINBSL
demikian, kenaikan suku bunga acuan tersebut masih dalam interest rate still remained within a maintained corridor, thus
LPSJEPS ZBOH UFSKBHB TFIJOHHB MJLVJEJUBT EBMBN BLUJWJUBT MJRVJEJUZ XJUIJO UIF UIF JOUFSCBOL NPOFZ NBSLFU USBOTBDUJPOT
transaksi pasar uang antar bank tetap terjaga. was able to be maintained.
Selain itu, dinamika nilai tukar rupiah terhadap dolar AS 'VSUIFSNPSF UIF EZOBNJDT PG UIF FYDIBOHF SBUF PG 3VQJBI
juga memberikan tantangan tersendiri bagi Perusahaan, against the US dollar also provided a challenge for the
LIVTVTOZB %JWJTJ 5SFBTVSZ 4FCBC CBOL bjb harus menjaga $PNQBOZ QBSUJDVMBSMZ UIF 5SFBTVSZ %JWJTJPO CFDBVTF CBOL
LFTFJNCBOHBO EBMBN QFOHFMPMBBO NBUB VBOH LIVTVTOZB bjbCBOLTNVTUNBJOUBJOBCBMBODFJODVSSFODZNBOBHFNFOU
terkait dengan mata uang asing agar tidak menjadi beban QBSUJDVMBSMZ XJUI SFTQFDU UP GPSFJHO DVSSFODZ TP BT OPU UP
Perusahaan. CFDPNFBCVSEFOGPSUIF$PNQBOZ
STRATEGI STRATEGY
Di tengah Dinamika eksternal seperti itu, Perusahaan telah *O UIF NJETU PG TVDI FYUFSOBM EZOBNJDT UIF $PNQBOZ
mengimplementasikan sejumlah inisiatif strategi demi implemented a number of strategic initiatives in order to
menjaga kinerja bank bjb agar tetap sesuai dengan koridor. maintain the bank bjbQFSGPSNBODFTPUIBUJUTUBZTXJUIJOUIF
#FCFSBQBJOJTJBUJGUFSTFCVU EJBOUBSBOZB DPSSJEPS4PNFPGUIFTFJOJUJBUJWFTJODMVEF
1. Lindung Nilai 1. Hedging

Strategi lindung nilai (hedging) ini sejalan dengan 5IFTUSBUFHZPGIFEHJOHJTJOMJOFXJUIUIFQPMJDZPG#BOL
LFCJKBLBO #BOL *OEPOFTJB EBO ,FNFOUFSJBO #6./ *OEPOFTJB BOE UIF .JOJTUSZ PG 4UBUF0XOFE &OUFSQSJTFT
ZBOH NFOHJNCBV BHBS LPSQPSBTJ #BEBO 6TBIB .JMJL (SOE) to perform hedging transactions to manage
/FHBSB #6./
NFMBLVLBOUSBOTBLTJMJOEVOHOJMBJEBMBN exchange rate and interest rate.
mengelola nilai tukar dan suku bunga.

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
2. Perluasan Jalur dan Sosialisasi 2. Expansion Path and Socialization

Sebagai tindak lanjut atas kebijakan lindung nilai, bank "T B GPMMPXVQ UP UIF IFEHJOH QPMJDZ CBOL bjb through
bjb NFMBMVJ %JWJTJ 5SFBTVSZ MFCJI BLUJG NFNQFSMVBT forex UIF 5SFBTVSZ %JWJTJPO BDUJWFMZ FYQBOEFE UIF GPSFY BOE
dan derivative line. Kegiatan ini dilakukan dalam rangka EFSJWBUJWF MJOFT 5IJT BDUJWJUZ XBT DBSSJFE PVU JO PSEFS UP
mengamankan pengelolaan mata uang asing di bank bjb. TFDVSFGPSFJHODVSSFODZNBOBHFNFOUBUCBOLbjb.
3. bjb TIP FX 3. bjb TIP FX

6OUVL USBOTBLTJ WBMVUB BTJOH OBTBCBI %JWJTJ 5SFBTVSZ 5IF 5SFBTVSZ %JWJTJPO GBDJMJUBUFT DVTUPNFS GPSFJHO
NFNGBTJMJUBTJOZBEBMBNTJTUFNbjb5*1'9)BMJUVEJMBLVLBO exchange transactions through bjb5*1'9TZTUFN5IJTJT
untuk memenuhi kebutuhan pricing bagi nasabah secara conducted to meet the customer’s needs of pricing in real
real time. time.
4. Pelatihan 4. Training
Perusahaan juga mengadakan pelatihan mengenai bjb 5IF DPNQBOZ BMTP IFME USBJOJOHT PO bjb TIP FX and
TIP FX dan Treasury productLFQBEBLBSZBXBOCBOLbjb 5SFBTVSZQSPEVDUTGPSUIFCBOLbjbFNQMPZFFTFTQFDJBMMZJO
LIVTVTOZB $BCBOH %FWJTB TFIJOHHB EJIBSBQLBO EBQBU the Foreign Exchange Branch. The trainings are expected
meningkatkan pemahaman dalam memasarkan produk UP JNQSPWF UIF VOEFSTUBOEJOH JO 5SFBTVSZ QSPEVDUT
Treasury LIVTVTOZB USBOTBLTJ WBMVUB BTJOH CBHJ $BCBOH NBSLFUJOH FTQFDJBMMZ GPSFJHO FYDIBOHF USBOTBDUJPOT GPS
Devisa. the Foreign Exchange Branch.
5. Sosialisasi 5. Socialization
4FMBJO JUV 1FSVTBIBBO NFMBMVJ %JWJTJ 5SFBTVSZ KVHB *O BEEJUJPO UIF $PNQBOZ UISPVHI UIF 5SFBTVSZ %JWJTJPO
melakukan sosialisasi ke cabang devisa dan juga nasabah also socialized the hedging instruments to the foreign
mengenai Hedging instruments. Kegiatan ini diharapkan exchange branches and also to the customers. This
dapat membantu nasabah dalam mengelola risiko BDUJWJUZ JT FYQFDUFE UP BTTJTU DVTUPNFST JO NBOBHJOH
nilai tukar dan juga suku bunga seperti FX Forward, FX foreign exchange and interest rate risks as well as FX
Swaps, Interest Rate Swaps dan Cross Currency Swaps 'PSXBSE '9 4XBQT *OUFSFTU 3BUF 4XBQT BOE $SPTT
mengingat potensi permintaan untuk melakukan transaksi $VSSFODZ 4XBQT DPOTJEFSJOH UIF QPUFOUJBM EFNBOE GPS
lindung nilai (hedging
LIVTVTOZBEBSJOBTBCBILPSQPSBTJ IFEHJOH USBOTBDUJPOT QBSUJDVMBSMZ GSPN 40& DVTUPNFST JT
#6./DVLVQUJOHHJ TJHOJmDBOUMZIJHI

%J UFOHBI CFSBHBN UBOUBOHBO ZBOH UFSKBEJ TFQBOKBOH UBIVO In the midst of the various challenges that arise throughout
%JWJTJ5SFBTVSZNBNQVNFNCVLVLBOQFOEBQBUBOZBOH UIF5SFBTVSZ%JWJTJPOXBTBCMFUPSFDPSEBGBJSMZHPPE
DVLVQCBJL ZBJUVTFCFTBS3Q NJMJBSZBOHEJQFSPMFIEBSJ JODPNF BNPVOUJOH 3Q CJMMJPO FBSOFE GSPN CVZJOH
transaksi jual beli valas, surat berharga serta penempatan and selling foreign currencies, securities and placements in
dana pada instrumen pasar uang. NPOFZNBSLFUJOTUSVNFOUT
%JWJTJ 5SFBTVSZ KVHB UFSVT NFOJOHLBULBO BLUJWJUBT 5IF5SFBTVSZ%JWJTJPOBMTPDPOUJOVFEUPJODSFBTFUIFTBMFTPG

QFOKVBMBO WBMVUB BTJOH EFOHBO NFNQFSCBOZBL customer GPSFJHO DVSSFODJFT CZ JODSFBTJOH DVTUPNFS CBTF QSPWJEJOH
based NFNCFSJLBO IBSHB ZBOH LPNQFUJUJG TFSUB UFSVT competitive prices and continue to develop the bjb TIP-FX
mengembangkan sistem bjb 5*1'9 ZBOH NFSVQBLBO TZTUFN OBNFMZ UIF FMFDUSPOJD USBEJOH TZTUFN UIBU GBDJMJUBUF
electronic trading systemZBOHNFNQFSNVEBIUSBOTBLTJWBMBT customer foreign exchange transactions in the branches.
nasabah di kantor cabang bank bjb.

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
165
Transaksi Money Market Money Market Transactions

Pengelolaan dan optimalisasi ekses likuiditas melalui transaksi &YDFTT MJRVJEJUZ NBOBHFNFOU BOE PQUJNJ[BUJPO UISPVHI
pasar uang (money market) merupakan salah satu aktivitas NPOFZ NBSLFU USBOTBDUJPOT JT POF PG UIF BDUJWJUJFT PG UIF
%JWJTJ 5SFBTVSZ ZBOH NFNCFSJLBO QFOEBQBUBO DVLVQ UJOHHJ 5SFBTVSZ%JWJTJPOXIJDIDPOUSJCVUFTTJHOJmDBOUMZIJHIJODPNF
4FQBOKBOH UBIVO QFOEBQBUBO ZBOH EJQFSPMFI NFMBMVJ 5ISPVHIPVU UIFJODPNFFBSOFEUISPVHINPOFZNBSLFU
transaksi money marketTFCFTBS3Q NJMJBS USBOTBDUJPOTBNPVOUFEUP3QCJMMJPO
Aktivitas money marketZBOHEJMBLVLBOBOUBSBMBJOQFOFNQBUBO 5IFNPOFZNBSLFUBDUJWJUJFTVOEFSUBLFOJODMVEFEQMBDFNFOUT

melalui instrumen moneter Bank Indonesia, penempatan antar UISPVHI#BOL*OEPOFTJBNPOFUBSZJOTUSVNFOUTBTXFMMBTJOUFS
bank maupun optimalisasi melalui gapping. Saat ini bank CBOLQMBDFNFOUTBOEPQUJNJ[BUJPOUISPVHIHBQQJOH$VSSFOUMZ
bjb NFSVQBLBO TBMBI TBUV CBOL LPOUSJCVUPS +*#03 +BLBSUB bank bjbJTPOFPGUIFDPOUSJCVUPSTPG+*#03 +BLBSUB*OUFSCBOL
Interbank Offered Rate
ZBOH EJUVOKVL #BOL *OEPOFTJB VOUVL 0GGFSFE3BUF
BQQPJOUFECZ#BOL*OEPOFTJBUPQSPWJEFJOUFSFTU
memberikan kuotasi suku bunga penawaran transaksi pasar SBUF RVPUBUJPO PG JOUFSCBOL NPOFZ NBSLFU USBOTBDUJPOT JO
uang antar bank di Indonesia. bank bjb sebagai kontributor Indonesia. bank bjbBTBDPOUSJCVUPSPG+*#03BMXBZTTVQQPSUT
+*#03 TFOBOUJBTB NFOEVLVOH UFSDJQUBOZB TVLV CVOHB UIFDSFBUJPOPGNPOFZNBSLFUCFODINBSLJOUFSFTUSBUFUIBUJT
BDVBO QBTBS VBOH ZBOH LSFEJCFM EBO EBQBU NFOEPSPOH credible and can encourage the development of interbank
perkembangan transaksi pasar uang antarbank. NPOFZNBSLFUUSBOTBDUJPOT
Sejalan dengan program Bank Indonesia dalam rangka *OMJOFXJUI#BOL*OEPOFTJBTQSPHSBNUPEFFQFONPOFZNBSLFU

pendalaman transaksi pasar uang, bank bjb juga aktif dalam transactions, bank bjbBMTPBDUJWFMZQFSGPSNFEJOUFSCBOLSFQP
melakukan transaksi repo dan reverse repo antarbank. Sejak and reverse repo transactions. Since the signing of the Mini
EJUBOEBUBOHBOJOZB QFSKBOKJBO .JOJ .3" PMFI EFMBQBO
.3" BHSFFNFOU CZ FJHIU
QJPOFFS CBOLT JODMVEJOH CBOL
bank pionir termasuk bank bjb pada akhir tahun 2013, terjadi bjb at the end of 2013, interbank repo transactions increased,
peningkatan transaksi repo antarbank, mengingat transaksi DPOTJEFSJOH UIF SFQP USBOTBDUJPO JT B nFYJCMF mOBODJOH
repoNFSVQBLBOBMUFSOBUJGQFOEBOBBOZBOHnFLTJCFMEFOHBO BMUFSOBUJWFXJUISFMBUJWFMZMPXJOUFSFTUSBUF
TVLVCVOHBZBOHSFMBUJGSFOEBI
)JOHHB TBBU JOJ CBOL bjb telah melakukan kerja sama Mini 6OUJM OPX UIF #BOL IBT FTUBCMJTIFE .JOJ .3" DPPQFSBUJPO
.3"EFOHBO UJHBQVMVIUJHB
CBOLEBOWPMVNFUSBOTBLTJ XJUI UIJSUZUISFF
CBOLTBOEUIFWPMVNFPGSFQPBOESFWFSTF
repo dan reverse repoTFKBLEJMVODVSLBOOZB.JOJ.3"IJOHHB SFQPUSBOTBDUJPOTTJODFUIFMBVODIPGUIF.JOJ.3"VOUJMOPX
TBBUJOJNFODBQBJ3Q USJMJVO SFBDIFE3QUSJMMJPO
Transaksi Fixed Income Fixed Income Transactions

Pergerakan pasar obligasi pada periode semester I 2014 5IF NPWFNFOU PG UIF CPOE NBSLFU JO UIF mSTU IBMG PG
sangat dipengaruhi oleh kondisi politik di Indonesia menjelang XBTTUSPOHMZJOnVFODFECZUIFQPMJUJDBMTJUVBUJPOJO*OEPOFTJB
Pemilu Presiden. Ketidakpastian akan kondisi politik ke BQQSPBDIJOH UIF 1SFTJEFOUJBM &MFDUJPO 6ODFSUBJOUZ PWFS
EFQBOOZB NFOHBLJCBULBO yield PCMJHBTJ ZBOH EJIBSBQLBO UIF GVUVSF QPMJUJDBM DPOEJUJPO DBVTFE JOWFTUPST CPOE ZJFME
JOWFTUPS QVO NFOJOHLBU )BM JOJ NFSVQBLBO JNCBT QSPHSBN expectation to rise. This was because the economic programs
LBOEJEBU 1SFTJEFO EJ CJEBOH QFSFLPOPNJBO ZBOH LVSBOH PGUIFQSFTJEFOUJBMDBOEJEBUFTXFSFMFTTQPTJUJWFMZSFTQPOEFE
direspons secara positif oleh investor asing. CZGPSFJHOJOWFTUPST
Pasar obligasi mulai cenderung mengalami penguatan The bond market began to strengthen after Jokowi was elected
VTBJ UFSQJMJIOZB +PLPXJ TFCBHBJ 1SFTJEFO *OWFTUPS PQUJNJT President. Investors were optimistic that Indonesia will be able
*OEPOFTJB EJ CBXBI QFNFSJOUBIBO ZBOH CBSV NBNQV to improve its economic growth under the new government.
NFOJOHLBULBOQFSUVNCVIBOFLPOPNJOZB,FCJKBLBOBXBMEBSJ 1SFTJEFOU +PLPXJT JOJUJBM QPMJDZ UP SFEVDF GVFM TVCTJEJFT JO

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
Presiden Jokowi untuk mengurangi subsidi BBM pada kuartal UIF GPVSUI RVBSUFS PG XBT SFTQPOEFE QPTJUJWFMZ CZ UIF
IV 2014 direspon positif oleh pasar, sehingga meningkatkan NBSLFUUIFSFCZCPOEQSJDFTJODSFBTFEXIJDIMPXFSFEUIFZJFME
harga obligasi dan menurunkan yield ZBOH EJIBSBQLBO FYQFDUFECZJOWFTUPST
investor.
Pengelolaan likuiditas dan optimalisasi pendapatan melalui -JRVJEJUZ NBOBHFNFOU BOE JODPNF PQUJNJ[BUJPO UISPVHI
instrumen mYFEJODPNF dilakukan dengan penempatan dana mYFE JODPNF JOTUSVNFOUT XBT QFSGPSNFE CZ QMBDJOH GVOET
pada surat berharga, baik obligasi pemerintah maupun in securities, both government bonds and corporate bonds
obligasi korporasi di pasar perdana dan pasar sekunder serta JO UIF QSJNBSZ BOE TFDPOEBSZ NBSLFUT BT XFMM BT QFSGPSN
melakukan trading/jual beli surat berharga. Total pendapatan TFDVSJUJFT USBEJOH CVZJOH BOE TFMMJOH 5PUBM JODPNF FBSOFE
ZBOHEJQFSPMFIEBSJUSBOTBLTJTVSBUCFSIBSHBTFQBOKBOHUBIVO GSPN TFDVSJUJFT USBOTBDUJPOT EVSJOH UIF ZFBS SFBDIFE
NFODBQBJ3Q NJMJBS 3QCJMMJPO
Transaksi Foreign Exchange Foreign Exchange Transactions

%JWJTJ5SFBTVSZUFSVTNFOJOHLBULBOBLUJWJUBTQFOKVBMBOLFQBEB 5IF5SFBTVSZ%JWJTJPODPOUJOVFEUPJODSFBTFTBMFTBDUJWJUJFTUP
nasabah existing dan nasabah baru, termasuk berperan aktif FYJTUJOH BOE OFX DVTUPNFST JODMVEJOH BDUJWFMZ QBSUJDJQBUJOH
dalam transaksi forex & swap interbank. Selama tahun 2014, in the interbank foreign exchange transactions and swaps.
volume transaksi forex & swap NFODBQBJ 64% NJMJBS During 2014, the volume of foreign exchange transactions
Revenue transaksi tersebut selama tahun 2014 mencapai BOETXBQTSFBDIFE64%CJMMJPO5IFJODPNFGSPNUIFTF
3Q NJMJBS USBOTBDUJPOTEVSJOHSFBDIFE3QCJMMJPO
4FMBJOJUV %JWJTJ5SFBTVSZKVHBEJVOEBOHPMFI#BOL*OEPOFTJB *OBEEJUJPO UIF5SFBTVSZ%JWJTJPOXBTJOWJUFECZ#BOL*OEPOFTJB

dalam pembahasan pasar valas domestik dan diminta aktif in the discussion of domestic foreign exchange market and
sebagai kontributor harga pasar valuta asing Dollar terhadap XBT SFRVJSFE UP BDUJWFMZ QBSUJDJQBUF BT B DPOUSJCVUPS UP UIF
3VQJBI EJ 5IPNTPO 3FVUFST EBO #MPPNCFSH EBMBN SBOHLB GPSFJHO FYDIBOHF NBSLFU QSJDF PG UIF %PMMBS BHBJOTU 3VQJBI
QFOEBMBNBO QBTBS LFVBOHBO LIVTVTOZB USBOTBLTJ WBMVUB JO 5IPNTPO 3FVUFST BOE #MPPNCFSH JO PSEFS UP EFFQFO UIF
asing. mOBODJBMNBSLFU FTQFDJBMMZGPSFJHOFYDIBOHFUSBOTBDUJPOT

Pada tahun 2015, sejumlah indikator ekonomi dalam negeri In 2015, a number of domestic economic indicators must be
ZBOH QFSLFNCBOHBOOZB QFSMV EJDFSNBUJ BOUBSB MBJO OFSBDB observed, among others the balance of trade and the rate of
QFSEBHBOHBOEBOUJOHLBUJOnBTJ4FNFOUBSBUBOUBOHBOVUBNB JOnBUJPO.FBOXIJMFUIFNBJODIBMMFOHFTPGUIFHMPCBMNBSLFU
dari pasar global, antara lain rencana kenaikan suku bunga JODMVEF UIF QMBO UP JODSFBTF 'FE 3BUF XIJDI JT FYQFDUFE UP
Fed Rate ZBOH EJQFSLJSBLBO BLBO UFSKBEJ QBEB QFSUFOHBIBO occur in mid-2015 along with the continued improvement of
UBIVO TFJSJOHEFOHBOUFSVTNFNCBJLOZBQFSFLPOPNJBO UIF64FDPOPNZ
Amerika Serikat.
Selain itu adalah rencana Bank Sentral Eropa (ECB) Furthermore, the European Central Bank’s (ECB) plans to
untuk memberikan stimulus dalam rangka meningkatkan QSPWJEF TUJNVMVT JO PSEFS UP CPPTU UIF SFHJPOT FDPOPNZ CZ
perekonomian kawasan tersebut dengan melakukan purchasing bonds with the approximate value of USD1.3
pembelian obligasi kurang lebih sebesar USD1,3 triliun dalam USJMMJPOJOUIFQFSJPE.BSDIUP4FQUFNCFS
QFSJPEF.BSFUIJOHHB4FQUFNCFS

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
167
.FOHIBEBQJ TJUVBTJ UFSTFCVU SFODBOB ZBOH BLBO EJKBMBOLBO 'BDJOH UIJT TJUVBUJPO UIF 5SFBTVSZ %JWJTJPO QMBOT UP QFSGPSN
PMFI%JWJTJ5SFBTVSZEJBOUBSBOZB UIFGPMMPXJOH
• Senantiasa melakukan analisa dan menerapkan strategi t "MXBZT QFSGPSN BOBMZTJT BOE JNQMFNFOU TUSBUFHJFT JO
agar sejalan dengan perkembangan pasar dengan tetap line with market developments while maintaining the
menjaga likuiditas bank dan optimalisasi pendapatan #BOLTMJRVJEJUZBOEJODPNFPQUJNJ[BUJPOUISPVHIUSFBTVSZ
melalui transaksi treasury. transactions.
t 5FSVT NFOHFNCBOHLBO QSPEVL EBO MBZBOBO VOUVL • Continue to develop products and services to better
mengakomodir kebutuhan nasabah dengan lebih baik. accommodate customers’ needs.
• Dalam rangka mendukung pendalaman transaksi pasar t *O PSEFS UP TVQQPSU UIF EFFQFOJOH PG NPOFZ NBSLFU
uang, bank bjb akan terus meningkatkan aktivitas transaksi transactions, bank bjb XJMM DPOUJOVF UP JODSFBTF NPOFZ
QBTBS VBOH EBO .JOJ .3" EFOHBO NFOJOHLBULBO LFSKB NBSLFU USBOTBDUJPOT BOE .JOJ .3" CZ JODSFBTJOH
TBNBEBONFMBLVLBOTPTJBMJTBTJ.JOJ.3"BOUBSCBOL QBSUOFSTIJQTBOETPDJBMJ[JOH.JOJ.3"CFUXFFOCBOLT
• bank bjbBLBONFOJOHLBULBOQFMBZBOBOEBOQFNBTBSBO • bank bjb XJMM JNQSPWF USFBTVSZ QSPEVDUT TFSWJDFT BOE
produk treasury antara lain dengan memperluas customer UIF NBSLFUJOH BNPOH PUIFST CZ FYQBOEJOH DVTUPNFS
based melalui kunjungan (sales visit) kepada nasabah base through visits (sales visit) to existing and potential
eksisting dan potensial serta mengusulkan kepada unit customers as well as provide recommendations to the
terkait untuk memperoleh forex dan derivatives line. relevant units to obtain foreign exchange and derivatives
t %JWJTJ 5SFBTVSZ BLBO NFMBLVLBO TPTJBMJTBTJ NFOHFOBJ lines.
transaksi valuta asing dan Hedging Instruments kepada t 5IF5SFBTVSZ%JWJTJPOXJMMDPOEVDUTPDJBMJ[BUJPOPGGPSFJHO
OBTBCBI EBO LBOUPS DBCBOH UFSLBJU %JWJTJ 5SFBTVSZ KVHB FYDIBOHF USBOTBDUJPOT BOE )FEHJOH *OTUSVNFOUT UP
UFSVT NFOHFNCBOHLBO mUVSmUVS CBSV TJTUFN bjb TIP-FX DVTUPNFST BOE SFMBUFE CSBODIFT 5IF 5SFBTVSZ %JWJTJPO
generasi baru. will also continue to develop new features for the new
• Pemasaran produk ritel lain seperti obligasi negara ritel generation of bjb5*1'9TZTUFN
akan dilakukan dengan memperhatikan potensi dan • The marketing of other retail products such as the retail
LPOEJTJQBTBSZBOHBEB government bonds will be conducted with respect to the
potential and existing market conditions.

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
KPR & MORTGAGE

MORTGAGE & FINANCIAL HOUSING

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
169
,SFEJU 1FNJMJLBO 3VNBI EBO Mortgage merupakan fasilitas )PVTJOH -PBO BOE .PSUHBHF JT B MPBO GBDJMJUZ SFMBUFE UP UIF
pinjaman terkait dengan kepemilikan properti, baik rumah QSPQFSUZ PXOFSTIJQ PG IPVTFT BQBSUNFOUT TIPQT PGmDFT
tapak, apartemen, rumah toko, maupun rumah kantor, baik BOEPGmDFIPNFT CPUIOFXBOETFDPOEIBOE*OUFSNTPGUIF
CBSV NBVQVO CFLBT %BSJ TJTJ KBNJOBO TFMBJO QSPQFSUJ ZBOH HVBSBOUFF NBZCFJOUIFGPSNPGFNQUZMBOEJOBEEJUJPOUPUIF
EJCFMJCJTBKVHBUBOBILPTPOHZBOHBLBOEJCBOHVO QSPQFSUZQVSDIBTFE
Pada tahun 2014, kondisi bisnis properti nasional sedang In 2014, the national real estate business was less enthusiastic
kurang bergairah mengingat situasi perekonomian sedang given the slowdown of the economic condition. A number of
NFOHBMBNJ QFSMBNCBUBO 4FKVNMBI JOEJLBUPS FLPOPNJ ZBOH economic indicators which affect the real estate business also
NFNQFOHBSVIJ CJTOJT QSPQFSUJ KVHB NFOKBEJ UBOUBOHBO ZBOH became a challenge to be faced.
harus dihadapi.
*OEJLBUPSEJNBLTVE NJTBMOZBQPTJTJOJMBJUVLBSSVQJBIUFSIBEBQ 0OFPGUIFJOEJDBUPSTSFGFSSFEJTUIFQPTJUJPOPG3VQJBIBHBJOTU

EPMBS "NFSJLB 4FSJLBU 1FNFSJOUBI NFMBMVJ "1#/ 1FSVCBIBO the US Dollar. The Government through the 2014 State Budget
2014 telah menetapkan kurs rupiah terhadap dolar AS "NFOENFOUTTFUUIFFYDIBOHFSBUFPG3VQJBIBHBJOTUUIF64
TFCFTBS3Q/BNVOSFBMJTBTJOZB OJMBJSVQJBIKBVIMFCJI EPMMBSBUUIFMFWFMPG3Q )PXFWFS JOSFBMJ[BUJPO 3VQJBI
lemah dari target tersebut. Bank Indonesia mencatat bahwa was much weaker than the target. Bank Indonesia recorded
SBUBSBUBLVSTTFCFTBS3QQFSEPMBS"4 UIFBWFSBHFFYDIBOHFSBUFXBT3Q QFS64%PMMBS

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
KPR & MORTGAGE
/JMBJ UVLBS JOJ TBOHBU CFSQFOHBSVI UFSIBEBQ CJBZB QSPEVLTJ 5IFFYDIBOHFSBUFBGGFDUTUIFDPTUPGQSPEVDUJPO QBSUJDVMBSMZ
LIVTVTOZB UFSLBJU EFOHBO CBIBO CBOHVOBO .FMFNBIOZB JO SFMBUJPO UP CVJMEJOH NBUFSJBMT 5IF XFBLFOJOH PG 3VQJBI
LVSTSVQJBICJTBCFSEBNQBLUFSIBEBQLFOBJLBOQSPQFSUJZBOH NBZIBWFBOJNQBDUPOUIFJODSFBTFPGQSPQFSUZXIJDIJOUVSO
QBEBBLIJSOZBCFSJNQMJLBTJQBEBQFOVSVOBOEBZBCFMJ cause the decline in purchasing power.
Kondisi tersebut diperburuk dengan kenaikan suku bunga 5IF DPOEJUJPO XBT XPSTFO CZ UIF SJTF PG #BOL *OEPOFTJBT
acuan Bank Indonesia, BI rate 1BEB /PWFNCFS #BOL CFODINBSL JOUFSFTU SBUF OBNFMZ UIF #* SBUF *O /PWFNCFS
Indonesia menaikkan suku bunga acuan pada level 7,5%. 2013 Bank Indonesia raised its benchmark interest rate at the
4FUBIVO LFNVEJBO ZBJUV QBEB #* Rate kembali naik MFWFMPG"ZFBSMBUFS JO #*SBUFSPTFBHBJOUP
menjadi 7,75%.
Kenaikan suku bunga acuan sering kali diikuti dengan 5IFJODSFBTFJOCFODINBSLJOUFSFTUSBUFJTPGUFOGPMMPXFECZB

LFOBJLBO TVLV CVOHB QJOKBNBO QSPQFSUJ )BM JOJ CFSQPUFOTJ SJTFJOUIFJOUFSFTUSBUFPGQSPQFSUZMPBO5IJTDPVMEQPUFOUJBMMZ
NFOVSVOLBO EBZB CFMJ LPOTVNFO NBTZBSBLBU 5FSMFCJI MBHJ reduce the consumer’s purchasing power. Moreover, the
imbas dari aturan Bank Indonesia mengenai Loan to Value impact of Bank Indonesia regulation on Loan to Value ratio,
ratio, masih dirasakan oleh industri properti. XBTTUJMMQFSDFJWFECZUIFQSPQFSUZJOEVTUSZ
,POEJTJ ZBOH QFOVI UBOUBOHBO CBHJ JOEVTUSJ QSPQFSUJ 5IJTDIBMMFOHJOHDPOEJUJPOGPSUIFQSPQFSUZJOEVTUSZDBVTFEB

ini membuat efek pada perlambatan sektor properti. Di TMPXEPXOPGUIFQSPQFSUZTFDUPS BNPOHPUIFSTSFnFDUFECZUIF
BOUBSBOZB UFSDFSNJO EBSJ QFSMBNCBUBO LFOBJLBO IBSHB TMPXEPXOJOUIFQSJDFJODSFBTFPGSFTJEFOUJBMQSPQFSUZCBTFE
properti residensial berdasarkan hasil survei Bank Indonesia. PO UIF TVSWFZ CZ #BOL *OEPOFTJB 5IJT TMPXEPXO PDDVSSFE
Perlambatan ini terjadi pada harga properti residensial di UIFQSJDFPGSFTJEFOUJBMQSPQFSUZPGBMMUZQFTPGIPVTJOHJOUIF
semua tipe rumah pasar primer. QSJNBSZNBSLFU
%BSJ TVSWFJ UFSTFCVU EJLFUBIVJ CBIXB TVNCFS QFNCJBZBBO 'SPN UIF TVSWFZ JU XBT GPVOE UIBU UIF TPVSDF PG DPOTVNFS
konsumen untuk membeli properti masih didominasi oleh mOBODJOH UP CVZ QSPQFSUZ XBT TUJMM EPNJOBUFE CZ CBOL
QFNCJBZBBO QFSCBOLBO 4FCBOZBL LPOTVNFO mOBODJOH " UPUBM PG PG DPOTVNFST UPPL UIF IPVTJOH
NFNBOGBBULBOLSFEJUQFNJMJLBOSVNBI ,13
TFCBHBJGBTJMJUBT MPBO NPSUHBHF
BTUIFmOBODJOHGBDJMJUZUPQVSDIBTFSFTJEFOUJBM
QFNCJBZBBOEBMBNQFNCFMJBOQSPQFSUJSFTJEFOTJBM LIVTVTOZB QSPQFSUJFT QBSUJDVMBSMZTNBMMIPVTFT
pada rumah tipe kecil.
Perlambatan kenaikan harga juga terjadi pada bisnis properti The slowdown of price increase also occurred in the
LPNFSTJBM)BMJUVEJBOUBSBOZBEJTFCBCLBOPMFILPOEJTJQFMBLV DPNNFSDJBM QSPQFSUZ CVTJOFTT 5IJT XBT CFDBVTF CVTJOFTT
VTBIB ZBOH NFOHBNCJM TJLBQ wait and see pasca Pemilu QMBZFSTUPPLUIFJOJUJBUJWFUPXBJUBOETFFBGUFSUIFQSFTJEFOUJBM
TFCFMVN NFMBLVLBO FLTQBOTJ VTBIB 3FTQPO ZBOH TBNB election before performing expansion. The same response
KVHB NFOHJOEJLBTJLBO BEBOZB QFSMBNCBUBO QFOKVBMBO MBIBO BMTP JOEJDBUFE B TMPXEPXO JO UIF TBMFT PG SFUBJM PGmDFT BOE
perkantoran ritel dan pusat perbelanjaan. shopping centres.

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
171
STRATEGI STRATEGY
Dalam situasi seperti itu, bank bjb harus mengambil inisiatif In such situation, bank bjb must perform a number of strategic
TFKVNMBI MBOHLBI TUSBUFHJT 4BMBI TBUVOZB NFMBMVJ VQBZB NFBTVSFT BNPOH PUIFST CZ QSPNPUJOH UIF #BOLT GFBUVSFE
NFOEPSPOH QSPEVL VOHHVMBO ZBJUV bjb ,13 1SPEVL JOJ QSPEVDU OBNFMZ bjb ,13 5IJT QSPEVDU JT QSJNBSJMZ JOUFOEFE
UFSVUBNB EJUVKVLBO VOUVL UVKVBO QFNCFMJBO 3VNBI 5BQBL GPSUIFQVSDIBTFPG1SJNBSZ)PVTFT
1SJNBSZ
Pilihan terhadap sejumlah langkah strategi ditujukan agar The strategic measures were taken in order for the performance
LJOFSKBQSPEVL,13EBOMortgageCJTBCFSKBMBOTFTVBJZBOH PG,13BOE.PSUHBHFQSPEVDUUPCFBTQMBOOFE FTQFDJBMMZJO
direncanakan. Apalagi, di tengah tantangan cukup serius the middle of the challenges in the real estate business which
ZBOHIBSVTEJIBEBQJQBEBCJTOJTQSPQFSUJ ZBOHQBEBBLIJSOZB JO UVSO JNQBDU PO UIF SFBMJ[FE QSPQFSUZ mOBODJOH CZ CBOLT
CFSJNCBTUFSIBEBQQFNCJBZBBOQSPQFSUJZBOHEJSFBMJTBTJLBO including bank bjb.
oleh perbankan, termasuk bank bjb.
4FKVNMBIJOJTJBUJGTUSBUFHJTZBOHEJBNCJMQBEBUBIVO EJ 5IFTUSBUFHJDJOJUJBUJWFTQFSGPSNFEJOXFSF

BOUBSBOZB
1. bjb KPR 1. bjb KPR

1FOZBMVSBO bjb ,13 NFOKBEJ TBMBI TBUV GPLVT VUBNB The distribution of bjb ,13 CFDBNF POF PG UIF NBJO
dalam pertumbuhan portofolio kredit bjb,13Mortgage focuses in the growth of bjb,13.PSUHBHFMPBOQPSUGPMJP
QBEB UBIVO 6QBZB JOJ EJMBLVLBO TFUJEBLOZB VOUVL in 2014. The effort was conducted at least to maintain the
NFNQFSUBIBOLBO LJOFSKB 1FSVTBIBBO EJ TFLUPS ,13 $PNQBOZTQFSGPSNBODFJO)PVTF-PBOBOE.PSUHBHF*O
dan Mortgage. Selain itu, inisiatif tersebut sekaligus addition, the initiative proved that bank bjb supported and
membuktikan bahwa bank bjb mendukung dan GBDJMJUBUFEUIFDPNNVOJUZUPPXOQSPQFSUJFT
NFNCFSJLBO LFNVEBIBO NBTZBSBLBU EBMBN LFQFNJMJLBO
properti.
2. Media Promosi 2. Media Promotion

.FNBLTJNBMLBO NFEJB QSPNPTJ ZBOH EJNJMJLJ PMFI CBOL bank bjb maximized its promotion media including through
bjb EJ BOUBSBOZB NFMBMVJ Talkshow EJ 3BEJP /BTJPOBM 5BMLTIPXTJO/BUJPOBMBOE3FHJPOBM3BEJPT BEWFSUJTFNFOU
Daerah, Iklan di media masa, Iklan Billboard, Media Sosial in mass media, Billboard Advertising, Social Media such
seperti Twitter (@infobankbjb), Facebook (bankbjbPGmDJBM
as Twitter (infobankbjb), Facebook (bankbjbPGmDJBM
BT
TFSUBCFSCBHBJFWFOUZBOHEJTFMFOHHBSBLBOPMFICBOLbjb XFMMBTFWFOUTPSHBOJ[FECZCBOLbjb and external parties.
maupun pihak eksternal.
3. Kerja Sama Pemasaran 3. Cooperation Marketing

Terdapat beberapa program marketing dengan pihak There were several marketing programs in cooperation
pengembang, dimana hal tersebut dapat meningkatkan XJUIUIFEFWFMPQFST JOXIJDINBZJODSFBTFUIFQPSUGPMJPPG
portofolio bjb,13Mortgage terutama produk bjb,13 bjb,13.PSUHBHFFTQFDJBMMZUIFQSPEVDUbjb,13
4. Suku Bunga 4. Interest Rate

4VLV CVOHB ZBOH EJUBXBSLBO VOUVL QSPEVL bjb ,13 The interest rate offered for bjb ,13 .PSUHBHF XBT
Mortgage masih cukup bersaing dengan pilihan waktu RVJUF DPNQFUJUJWF XJUI B DIPJDF PG WBSJFE mYFE JOUFSFTU
bunga tetap (mYFE
ZBOHDVLVQWBSJBUJG*OJTJBUJGJOJNFOKBEJ This initiative became important given the tight banking
QFOUJOH NFOHJOHBU MJLVJEJUBT QFSCBOLBO QBEB VNVNOZB MJRVJEJUZJO
masih ketat pada tahun 2014.

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
KPR & MORTGAGE

)BTJM4VSWFJ)BSHB1SPQFSUJ3FTJEFOTJBMZBOHEJMBLVLBO#BOL 5IF4VSWFZPO3FTJEFOUJBM1SPQFSUZ1SJDFDPOEVDUFECZ#BOL
*OEPOFTJB UFSVOHLBQ CBIXB QFSUVNCVIBO *OEFLT )BSHB *OEPOFTJB SFWFBMFE UIBU UIF HSPXUI PG 3FTJEFOUJBM 1SPQFSUZ
1SPQFSUJ 3FTJEFOTJBM QBEB 5SJXVMBO *7 NFOHBMBNJ 1SJDF*OEFYJOUIFGPVSUIRVBSUFSPGDPOUSBDUFECZ
LPOUSBLTJ EJCBOEJOHLBO QFSJPEF ZBOH TBNB UBIVO DPNQBSFE UP UIF TBNF QFSJPE JO UIF QSFWJPVT ZFBS BMUIPVHI
TFCFMVNOZB 8BMBVQVO KJLB EJCBOEJOHLBO EFOHBO USJXVMBO when compared with the previous quarter remained increased.
TFCFMVNOZBUFUBQNFOHBMBNJLFOBJLBO
Perlambatan pada bisnis properti residensial di pasar primer 5IF TMPXEPXO JO UIF SFTJEFOUJBM QSPQFSUZ CVTJOFTT JO UIF
itu, menurut Bank Indonesia, terutama akibat sejumlah faktor, QSJNBSZNBSLFU BDDPSEJOHUP#BOL*OEPOFTJB XBTNBJOMZEVF
ZBJUV LFOBJLBO IBSHB CBIBO CBOHVOBO LFOBJLBO IBSHB UP B OVNCFS PG GBDUPST OBNFMZ UIF JODSFBTF PG UIF QSJDFT PG
CBIBOCBLBSNJOZBL TFSUBVQBIQFLFSKB building materials, the increase in fuel prices and the wages
of workers.
,POEJTJUFSTFCVUCFSQPUFOTJNFNQFOHBSVIJQFOZBMVSBOEBOB 5IFTF DPOEJUJPOT DPVME QPUFOUJBMMZ BGGFDU UIF EJTUSJCVUJPO PG

,13CBOLbjb)JOHHBTBBUJOJ QSPEVLbjb,13UFSCBHJNFOKBEJ funds bank bjb mortgage. Until now, the products are divided
QSPEVLEFOHBOCFCFSBQBUVKVBOQFOHHVOBBO EJBOUBSBOZB into four bank bjb mortgage products with some of the
bjb,13 bjb Mortgage Properti, bjb Mortgage Properti Usaha intended use, including mortgage bjb, bjb1SPQFSUZ.PSUHBHF
dan bjb,13.PSUHBHF1FHBXBJ1SPEVLbjb,13NFNJMJLJ bjb Enterprises and bjb 1SPQFSUZ .PSUHBHF .PSUHBHF
komposisi portofolio terbesar dibandingkan dengan produk .PSUHBHF 0GmDFS bjb mortgage products have the largest
bjb,13MortgageZBOHMBJO ZBJUVTFCFTBS portfolio composition compared with bjb mortgage products
.PSUHBHFPUIFST BNPVOUJOHUP
%FOHBO TFKVNMBI TUSBUFHJ ZBOH UFMBI EJVOHLBQLBO EJ BUBT With a number of strategies that have been disclosed above,
kinerja produk bjb ,13 CFSHFSBL QPTJUJG 1BEB UBIVO the performance of the bjb ,13 NPWFE QPTJUJWFMZ *O
NFOHBMBNJ QFSUVNCVIBO QPSUPGPMJP TFCFTBS 3Q NJMJBS UIFQSPEVDUFYQFSJFODFEQPSUGPMJPHSPXUIPG3QCJMMJPOXJUI
EFOHBO QFOJOHLBUBO QFOZBMVSBO LSFEJU OBJL TFCFTBS JODSFBTFJOMFOEJOHPWFSUIFQSFWJPVTZFBS5IF/VNCFS
EJCBOEJOHLBO UBIVO TFCFMVNOZB "EBQVO KVNMBI BLVO PG"DDPVOU /P"
PGUIJTQSPEVDUJODSFBTFECZ BDDPVOUT
atau /VNCFS PG "DDPVOU /P"
VOUVL QSPEVL JOJ CFSUBNCBI PSHSFXCZ
TFCBOZBLaccount atau tumbuh sebesar 15,10%
1FOZBMVSBO EBOB VOUVL QFNCFMJBO 3VNBI 5BQBL 1SJNBSZ 5IF EJTUSJCVUJPO PG GVOET GPS UIF QVSDIBTF PG UIF 1SJNBSZ
QBEBUBIVOTFCFTBS3QNJMJBSBUBVUVNCVI )PVTFTJOBNPVOUFEUP3QCJMMJPOPSBOJODSFBTFPG
EJCBOEJOHLBOUBIVOTFCFMVNOZB"EBQVO/P"VOUVLQSPEVL PWFSUIFQSFWJPVTZFBS5IF/P"GPSUIJTSPEVDUHSFX
UFSTFCVUUVNCVITFCBOZBLaccount atau sekitar 23,32% CZ BDDPVOUT PS BQQSPYJNBUFMZ DPNQBSFE UP
dibandingkan tahun 2013. 2013.
Pertumbuhan/Growth
Tahun/Year 2013-24014
2014
Jenis Produk Product Type
Baki Debet NoA
Baki Debet NoA Rp #
bjb,13 1,438 bjb mortgage
bjb Mortgage Properti bjb Property Mortgage

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
173
Pertumbuhan/Growth
Tahun/Year 2013-24014
2014
Jenis Produk Product Type
Baki Debet NoA
Baki Debet NoA Rp #
bjb Mortgage Properti Usaha 31 2,141,202,027 4 bjb Enterprises Property
Mortgage
bjb,13.PSUHBHF1FHBXBJ 515 bjb Mortgage & Mortgage
Employees

Untuk tahun 2015, bank bjb menargetkan pertumbuhan For 2015, the bank bjb is targeting a growth of mortgage funds
QFOZBMVSBO EBOB VOUVL ,13 TFCFTBS 8BMBVQVO )BTJM PG5IFSFTVMUTPGUIF3FTJEFOUJBM1SPQFSUZ1SJDF4VSWFZCZ
4VSWFJ )BSHB 1SPQFSUJ 3FTJEFOTJBM #BOL *OEPOFTJB NBTJI #BOL *OEPOFTJB TUJMM JOEJDBUFT B TMPXEPXO JO FBSMZ EVF
mengindikasikan terjadi perlambatan pada awal tahun to the government policies released during the end of 2014
NFOHJOHBU EBNQBL EBSJ LFCJKBLBO ZBOH EJLFMVBSLBO which still provide impacts.
QFNFSJOUBINFOKFMBOHUBIVOCFSBLIJSNBTJINFOZJTBLBO
dampak.
4FCBHBJ BOUJTJQBTJ EBO VQBZB NFSFBMJTBTJLBO UBSHFU ZBOH As the anticipation and effort to realize the targets set, bank
telah ditetapkan, bank bjbUFMBINFOZJBQLBOTFKVNMBIJOJTJBUJG bjbIBTTFUVQBOVNCFSPGJOJUJBUJWFT BNPOHPUIFST
EJBOUBSBOZBBEBMBI
A. Fokus Pasar A. Market Focus

Perusahaan akan memiliki fokus pasar (market
ZBOH 5IF$PNQBOZXJMMTFUNBSLFUGPDVTUPCFUIFUBSHFUJO
NFOKBEJ TBTBSBO QBEB UBIVO )BM JOJ EJMBLVLBO 5IJT JT QFSGPSNFE TJODF UIFSF BSF TUJMM NBOZ DIBMMFOHFT
NFOHJOHBUNBTJICBOZBLUBOUBOHBOZBOHIBSVTEJIBEBQJ UP CF GBDFE BT SFnFDUFE JO UIF SFTVMUT PG UIF TVSWFZ
TFQFSUJUFSDFSNJOEBSJIBTJMTVSWFJZBOHUFMBIEJMBLVLBOPMFI DPOEVDUFE CZ #BOL *OEPOFTJB BOE UIF FYQFDUBUJPOT PG
Bank Indonesia dan ekspektasi terhadap perekonomian UIF FDPOPNZ JO UIF GVUVSF BMUIPVHI FYQFDUFE UP SFNBJO
ke depan, walaupun diperkirakan tetap bergerak positif. positive.
Karena itulah, terkait dengan fokus pasar ini bank bjb Therefore, associated with this market focus, bank bjb has
UFMBINFOZJBQLBOTFKVNMBIJOJTJBUJG ZBJUV TFUVQBOVNCFSPGJOJUJBUJWFT OBNFMZ
6OUVL QFOZBMVSBO EBOB ,13 Primary, Perusahaan 'PS UIF EJTUSJCVUJPO PG GVOET GPS ,13 1SJNBSZ UIF
akan fokus pada produk dari pengembang Perjanjian $PNQBOZXJMMGPDVTPOUIFQSPEVDUTPGUIFEFWFMPQFST
,FSKB4BNB 1,4
ZBOHUFSCVLUJNFNJMJLJLJOFSKBCBJL with Cooperation Agreement which are proved to have
6OUVL SVNBI LFEVB BUBV ,13 Secondary, bank bjb good performance.
bekerja sama dengan agen properti atau house 'PSBTFDPOEIPVTFPS4FDPOEBSZNPSUHBHF bank bjb
brokerage, sehingga dapat Meminimalkan risiko dan DPPQFSBUFTXJUIQSPQFSUZBHFOUTPSIPVTFCSPLFSBHF
NFOHFmTJFOLBOEBSJTJTJPQFSBTJPOBM UIVT NJOJNJ[JOH SJTL BOE QSPNPUF FGmDJFODZ GSPN UIF
3. Perusahaan juga akan mendorong produk bjb ,13 operational side.
Pegawai. 5IFDPNQBOZXJMMBMTPQSPNPUFbjb,13GPSFNQMPZFFT

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
KPR & MORTGAGE
.FOHFNCBOHLBO LJOFSKB ,13 Collective Market, &OIBODF UIF QFSGPSNBODF PG ,13 $PMMFDUJWF .BSLFU
ZBJUV QFOZBMVSBO EBOB LSFEJU QSPQFSUJ LIVTVT VOUVL OBNFMZUIFEJTUSJCVUJPOPGQSPQFSUZMPBOGPSFNQMPZFFT
LBSZBXBO EBSJ QFSVTBIBBO ZBOH UFMBI CFLFSKB TBNB of the companies working together with bank bjb.
dengan bank bjb. 5. Maximize cooperation of home ownership through
5. Memaksimalkan kerja sama kepemilikan rumah HPWFSONFOU QSPHSBNT JODMVEJOH )PVTJOH 'JOBODF
NFMBMVJ QSPHSBN QFNFSJOUBI EJ BOUBSBOZB 'BTJMJUBT -JRVJEJUZ 'BDJMJUZ '-11
UIF &NQMPZNFOU 4PDJBM
-JLVJEJUBT 1FNCJBZBBO 1FSVNBIBO '-11
#BEBO 4FDVSJUZ "HFODZ #1+4
UIF "EWJTPSZ #PBSE PG $JWJM
1FOZFMFOHHBSB +BNJOBO 4PTJBM ,FUFOBHBLFSKBBO 4FSWBOUT)PVTJOH4BWJOHT #BQFSUBSVN
BOEPUIFST
(BPJS), Badan Pertimbangan Tabungan Perumahan
1FHBXBJ/FHFSJ4JQJM #BQFSUBSVN
TFSUBZBOHMBJOOZB
B. Brand Image B. Brand Image

Untuk memperkuat brand image produk bank bjb di bidang To strengthen the brand image of the Bank’s products
kepemilikan properti, Perusahaan akan terus melakukan JO UIF mFME PG QSPQFSUZ PXOFSTIJQ UIF $PNQBOZ XJMM
LFHJBUBO QFNBTBSBO TFDBSB CFSLFTJOBNCVOHBO )BM JUV continue to conduct marketing activities on an on-going
dilakukan melalui media. basis through the media.
C. Hubungan dengan Pemangku Kepentingan C. Stakeholder Relationship

Dalam rangka membangun dan meningkatkan hubungan In order to build and enhance relationships with the
baik dengan para pemangku kepentingan, bank bjb akan stakeholders, the Bank will organize gatherings with
melakukan gathering dengan sejumlah pengambang, EFWFMPQFST HPWFSONFOU PGmDFT PS BHFODJFT BT XFMM BT
dinas atau instansi pemerintahan, serta asosiasi properti. UIFQSPQFSUZBTTPDJBUJPO
%BGUBS1FOHFNCBOHZBOH#FLFSKBTBNB The Cooperating Developer List
Proyek Perusahaan/Pengembang Lokasi

No
Project Company/Developer Location
1 Bumi Adipura 15.VMUJEBZB,IBSJTNB Bandung
2 3BZBO3FHFODZ PT. Kamilindo Sejahtera 4VSBCBZB
3 .FOUFOH3FHFODZ PT. Menteng Mandiri Sejahetera Gresik
4 4FLBSQVSP3FTJEFODF 151BTUZKBZB Malang
5 .BUBIBSJ$JHBOJUSJ $JHBOJUSJ$IFSSZ'JFME
PT. Mentari Agung Mandiri Bandung
Matahari Asri PT. Mentari Agung Mandiri Bandung
7 #PHPS/JSXBOB3FTJEFODF PT. Graha Andrasentra Propertindo Bogor
8 Gresik Kota Baru PT. Bumi Lingga Pertiwi Gresik
Pondok Permata Suci PT. Bumi Lingga Pertriwi Gresik
10 Istana Mentari PT. Bumi Mentari Megah Sidoarjo
11 The Spring of Tomorrow PT. Cipta Adi Perkasa Sidoarjo
12 Pakuwon Indah PT. Pakuwon Darma 4VSBCBZB
13 Perumahan Pakuwon Indah 15 "SUJTBO4VSZB,SFBTJ 4VSBCBZB
14 #BMJLQBQBO4VQFSCMPDL "QBSUNFOU3VCZ 40)0 PT. Wulandari Bangun Laksana Balikpapan

Apartment Aeropolis, Kondotel Astara

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
175

No
15 Taman Sumber Indah 15#FSMJBO)BJWB1SPQFSUZ Sumber
,SBLBUBV3FTJEFODF 15"SJOB#BZVTXBLBSTB Serang
17 1FTPOB$JMFVOZJ 15"SJOB#BZVTXBLBSTB $JMFVOZJ
18 5IF0BTJT7JMMBHF3FTJEFODF PT. Diwangkara Bangun Persada Sidoarjo
4BUVSOVT3FHFODZ 15(SBIB"EJDJQUB/VHSBIB Bandung
20 Green Garden View 15(SBIB"EJDJQUB/VHSBIB Bandung
21 5IF(BSEFO$JUZ7JFX 15(SBIB"EJDJQUB/VHSBIB Bandung
22 Padasuka Estate 15(SBIB"EJDJQUB/VHSBIB Bandung
23 (SFFO7BMMFZ3FTJEFODF 15(SBIB"EJDJQUB/VHSBIB Bandung
24 Grand Ujung Berung 15(SBIB"EJDJQUB/VHSBIB Bandung
25 (SBOE7BMMFZ6KVOH#FSVOH 15(SBIB"EJDJQUB/VHSBIB Bandung
$JUZ(BSEFO3FTJEFODF 15(SBIB"EJDJQUB/VHSBIB Bandung
27 The Green Sariwangi 15(SBIB"EJDJQUB/VHSBIB Bandung
28 4BSJXBOHJ$JUZ7JFX 15(SBIB"EJDJQUB/VHSBIB Bandung
4BSJXBOHJ3FHFODZ 15(SBIB"EJDJQUB/VHSBIB Bandung
30 Sariwangi Estate 15(SBIB"EJDJQUB/VHSBIB Bandung
31 Sariwangi Village 15(SBIB"EJDJQUB/VHSBIB Bandung
32 d'cassa Grande 15(SBIB"EJDJQUB/VHSBIB Bandung
33 Grand Kolmas Village 15(SBIB"EJDJQUB/VHSBIB Bandung
34 3JWFS7BMMFZEBO$BTB(BSEFOJB 15"OVHSBI,BSZB#BOHVO4FKBIUFSB Bogor
35 "FSPQPMJT3FTJEFODF PT. Perkasa Lestari Permai Tangerang
Grand Taruma PT. Pesona Gerbang Karawang Karawang
37 Graha Estetika 15%BTB8JMJT3BZB Semarang
38 Buana Soetta PT. Cikal Buana Persada Bandung
Buana Subang Kencana PT. Cikal Buana Persada Subang
40 Buana Taman sari PT. Cikal Buana Persada Karawang
41 Graha Subang Kencana PT. Cikal Buana Persada Subang
42 )BSWFTU$JUZ 15%XJHVOBUBNB3JOUJT1SJNB Bekasi
43 )BSWFTU$JUZ 15%XJLBSZB-BOHHFOH4VLTFT Bogor
44 Pesona Cilegon PT. Gunung Intan Abadi Terus Serang
45 Grand Pesona PT. Gunung Intan Abadi Terus Serang

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
KPR & MORTGAGE

No
5JSUBTBOJ3FTJEFODF 154VSZB(SBIB#IVXBOB Surakarta
47 Taman Graha Asri PT. Graha Serang Asri Serang
48 Serpong Garden 15)BSBQBO*OUJ1FSTBEB*OEBI Serpong
Persada Banten 15)BSBQBO*OUJ1FSTBEB*OEBI Serpong
50 %BNQPFBXBOH1VSJ3FHFODZ 15$JUSB%BNQPFBXBOH4FEBZV *OESBNBZV
51 Graha Sudirman 15$JQUB-PLB/VTB1SJNB *OESBNBZV
52 Galuh Mas PT. Galuh Citarum Karawang
53 Plamongan Indah (Jasmine Park, Villa Pinus 15,JOJ+BZB*OEBI Semarang

Watugong, Gardenia dan Permata Batusari)
54 Bentang Padalarang 156[Z,BSZB1SFTUBTJ Bandung
55 Senopati Penthouse 154FOPQBUJ"SZBOJ1SJNB Jakarta
Puri Indah Lestari PT. Dimensi Puri Lestari Cimahi
57 Bumi Teluk Jambe 151FSVN1FSVNOBT3FH*7 Karawang
58 4IBQQIJSF3FTJEFODF,FEBXVOH PT. Mitra Shapphire Sejahtera Cirebon
5JSUBZBTBSFHFODZ PT. Tulus Asih Sumber
(SBOE/VTB*OEBI PT. Kentanix Supra International Bogor
Villa Bogor Indah PT. Semangat Panca Bersaudara Bogor
The Andalusia 15"SZB$JQUB4BSBOB Serang
$JUSB/VTB/JBHB 155SJBT+BZB1SPQFSUJOEP Batam
1VSJ"TSJ3FTJEFODF 155SJBT+BZB1SPQFSUJOEP Batam
(SBOE/JBHB.BT 155SJBT+BZB1SPQFSUJOEP Batam
1BODBOBLB#BMJ&SmOB 15$BIBZB3BHB Bali
(SBOE1JOVT3FHFODZ 15"OHHSFL*OEBI4VSZB-FTUBSJ Bandung
Citra Indah PT. Ciputra Indah Bogor
5BOHDJUZ 151BODBLBSZB(SJZBUBNB Tangerang
70 Bumi Papan Selaras PT. Bangun Papan Selaras Sidoarjo
71 Grand Semanggi Mangrove PT. Graha Agung Perkasa 4VSBCBZB
72 "MBN%FQPL3FTJEFODF 15#JOUBOH4IBmSB Depok
73 Citra Sun Semarang +0$JQVUSB4VOJOEP1SPQFSUZ Semarang
74 Citra Grand Semarang +0$JQVUSB,BSZB6UBNB Semarang
75 $JUSB4VO(BSEFO:PHZBLBSUB JO Ciputra Sunindo Graha Utama ,BC4MFNBO:PHZBLBSUB

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
177

No
$JUSB(SBOE.VUJBSB:PHZB JO Ciputra Graha Terasama :PHZB ,BCVQBUFO

Sleman
77 $JUSBMBOE#BHZB$JUZ +0$JQVUSB,BSZB1BODBTBLUJ/VHSBIB Deli. Serdang - Medan
78 Pesona Ciganitri PT. Duta Emas Anugerah Abadi Kab. Bandung
(BUFXBZ1BTUFVS"QBSUNFOU 151SBTFUZB"HVOH$JQUB"CBEJ Bandung
80 (SBIB/HPSP"TSJ 15"OVHFSBI4FKBUJ8BIBOB,BSZB Mojokerto
81 Bahtera Indah Sejahtera 15#JOBLBSZBUBNB*OEBI1FSLBTB Lampung
82 *NBN#POKPM3FHFODZ PT. Lampung Utama Construcsindo Lampung
83 4FSSBZ7BMMFZ%F-JNB$JXBSVHB 15/VTBOUBSB(SBIB*OEPOFTJB Bandung
84 (SBOE5VQBSFW3FTJEFODF 153BKBXBMJ4VSZB4FNFSMBOH Karawang
85 (SJZB+BUJ,BMJKBHB 158JHBOUV(BSEB+BZB Cirebon
Andalusia Kartini Square PT. Manzillah Visi Mulia Gresik
87 #VBOB$JXBTUSB3FTJEFODF PT. Kibar Buana Persada Bandung
88 5IF)ZCSJE1BSL/FXUPO 15(SBDJB(SJZB,FODBOB Bandung
Kota Jababeka PT. Graha Buana Cikarang Cikarang
1BMN3FTJEFODF(SPVQ PT. Multi Bangun Sarana 4VSBCBZB
Apartment Voila 158JO8JO3FBMUZ$FOUSF 4VSBCBZB
40)04LZMPGU 158JO8JO3FBMUZ$FOUSF 4VSBCBZB
Grand Sentosa PT. Artha Sentosa Solo
Puri Artha Sentosa PT. Artha Sentosa Solo
(BSVU)ZQFSTRVBSF 15)BTUVLB4BSBOBLBSZB Garut
Stella PT. Mentari Agung Mandiri Bandung
Akita 2 PT. Mentari Agung Mandiri Bandung
Matahari Square PT. Mentari Agung Mandiri Bandung
De Paradiso PT. Jakarta Propertindo Jakarta
100 5IF)5PXFS 15),3FMBUJOEP Jakarta
101 5IF)3FTJEFODF 15),3FMBUJOEP Jakarta
102 Intermark Mix Use (Properti) ,40.FSEFLB3POPW*OEPOFTJB Tangerang Selatan
103 (BEJOH(SFFO)JMM"QBSUNFOU PT. Gading Selaras Jakarta Utara
104 (SBOE%IJLB$JUZ 15"EIJ1FSTBEB1SPQFSUZ Bekasi
105 Taman Melati Jatinangor 15"EIJ1FSTBEB1SPQFSUZ Jatinangor
4FSPKB)PNF3FTJEFODF 15(SBIB"EJDJQUB/VHSBIB Kab. Bandung

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
KPR & MORTGAGE

No
107 (SJZB1BUBSVNBO"TSJ 15(SBIB"EJDJQUB/VHSBIB Bandung Barat
108 Intermark Mix Use (Properti Usaha) ,40.FSEFLB3POPW*OEPOFTJB Tangerang Selatan
3PZBM0MJWF3FTJEFODF 15"EF1FEF3FBMUZ Jakarta Selatan
110 Graha Metro Serang PT. Graha Mulia Abadi Serang
111 Batakan Village 15#FSJXJKBZB"TSJ Balikpapan
112 (SFFO)BSNPOJ3FTJEFODF 15"NCFS)BTZB Bandung
113 1FSNBUB)JKBV3FTJEFODF PT. Sigit Putra Agung Karawang
114 Imperium Park 15,IBSJTNB4VSZB.BOEJSJ Cibinong
115 3FHFOUT1BSL PT. Binx Propertindo Karawang
Graha Grande PT. Bangun Bumi Pakuan Cibinong
117 Andalusia 15"MFYBOESJB3FBMUJOEP 5BTJLNBMBZB
118 %F/JSXBOB(BSEFO 15(SBIB/BUB8JHVOB 5BTJLNBMBZB
Apartment The Windsor PT. Antilope Mandju Puri Indah
120 Bizpoint 15,XBSUB4FKBIUFSB+BZB Balaraja
121 &EFMXFJT5PXO)PVTF 15(SBIB,VSOJB3BZB Bandung
122 Casa Gardenia 2 15"OVHSBI,BSZB#BOHVO4FKBIUFSB Cibitung
123 #BUVKBKBS3FHFODZ 15'VTBO4FOUPTB#BOHVO+BZB Batujajar
124 ,PUB#BSV1BSBIZBOHBO PT. Belaputera Intiland Padalarang
125 3JWFS7BMMFZ 15"OVHSBI,BSZB#BOHVO4FKBIUFSB Kabupaten Bogor
1BMUSPX$JUZ#FMMJOJ5PXFS"QBSUNFOU 15"EIJTBUZB1SPQFSUZ Semarang
127 (SFFO&NFSBME3FTJEFODF PT. Gemilang Mas Sejahtera Depok
128 $FNQBLB)JKBV ,FSKBTBNB11"/JOEZB Bandung
Panorama Panembong PT. Bintang Ciremai Abadi Cianjur
130 .BKBHFVMJT3FTJEFODF PT. Turangga Empat Tiga Majalengka
131 Citralake Sawangan KSO Citra Bangun Cemerlang Depok
132 Citragarden BMW KSO Citra Pradipta Serang
133 $JUSBSBZB$JUZ.FOEBMP KSO Citra Mendalo Prima Jambi
134 $JUSB 15$BLSBXBMB3FTQBUJ Jakarta
135 Citra 7 15-BIBO"EZBCVNJ Jakarta
Aeroworld 15$BLSBEJHEBZB-PLBSBZB Jakarta
137 $JUSBHSBOE$JUZ +0$JUSB"TSJHSJZB Palembang

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
179

No
138 Kedamaian Mansion CV. Atmosphere Bandarlampung
Graha Mulawarman Tahap II PT. Graha Agung Kusuma Balikpapan
140 Centra Bizpark Tahap II ,4015CFSJXJKBZB"TSJEBO156NBXBS*TBTBCMV[B Balikpapan
141 Enviro 15),3FBMUJOEP Cikarang
142 Daun Village 15.VMJB"MBN3BZB Balikpapan
143 Pesona Ciwastra Village 151VUSB4BSBOB+BZB-FTUBSJ Bandung
144 Casa Gardenia Batu Gede 15"OVHSBI,BSZB#BOHVO4FKBIUFSB Cilebut
145 #BMJLQBQBO3FHFODZ PT. Mutiara Bahagia Abadi, Perusahaan Daerah Kota Balikpapan
Balikpapan - PT. Mutiara Bahagia Abadi
Cluster Jasmine Park 153PZBM*OWFTNFOU Karawang
147 3 Multigudang Tangerang 158BIBOB,BSZB4VLTFT1SJNB Tangerang
148 -BCVIBO"MBN3FTJEFODF 15.POH,BSZB#FSTBNB Bandarlampung
(PMG&TUBUF#PHPS3BZB 15#PHPS3BZB%FWFMPQNFOU Bogor
150 (SJZB4PLB#PHPS3BZB 15#PHPS3BZB%FWFMPQNFOU Bogor
151 (SJZB#PHPS3BZB 15(SJZB#PHPS3BZB Bogor
152 1BEKBEKBSBOSFHFODZ 15(SJZB#PHPS3BZB Bogor
153 #PHPS3BZB3FTJEFODF 15#PHPS3BZB3FTJEFODF Bogor
154 ).BOTJPO 15),3FBMUJOEP Jakarta
155 Citraland Tegal PT Ciputra Optima Mitra Tegal
Citraland Cirebon 15$JQVUSB/VTB.JUSBEBO15#VEJ4BSJ.VSOJ"KJ Cirebon

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
Data Perusahaan
%BUB1FSVTBIBBO
TINJAUAN KINERJA
ANAK PERUSAHAAN
SUBSIDIARY PERFORMANCE REVIEW
BISNIS
SYARIAH
Sharia Business
Pendirian Establishment
15 #BOL +BCBS #BOUFO 4ZBSJBI BEBMBI TVBUV 1FSTFSPBO 15#BOL+BCBS#BOUFO4ZBSJBIJTB-JNJUFE-JBCJMJUZ$PNQBOZ
5FSCBUBTZBOHEJEJSJLBOEBONFOKBMBOLBOLFHJBUBOVTBIBOZB which was established and perform its business activities
menurut dan berdasarkan peraturan perudang-undangan in accordance with and based on the rules and regulations
ZBOH CFSMBLV EJ 3FQVCMJL *OEPOFTJB CFSLFEVEVLBO EJ ,PUB BQQMJDBCMFJOUIF3FQVCMJDPG*OEPOFTJB EPNJDJMFEJOUIF$JUZ
Bandung. of Bandung.
Pendirian bank bjb 4ZBSJBI EJBXBMJ EFOHBO QFNCFOUVLBO The establishment of bank bjb4ZBSJBIXBTJOJUJBUFEXJUIUIF
%JWJTJ6OJU6TBIB4ZBSJBIPMFI15#BOL1FNCBOHVOBO%BFSBI FTUBCMJTINFOUPGUIF4IBSJB%JWJTJPO#VTJOFTT6OJUCZ15#BOL
+BXB#BSBUEBO#BOUFO5CLQBEB.FJ)BMUFSTFCVU 1FNCBOHVOBO %BFSBI +BXB #BSBU EBO #BOUFO 5CL PO .BZ
CFSUVKVBOVOUVLNFNFOVIJLFCVUVIBONBTZBSBLBU+BXB#BSBU 20, 2000. It has the objectives to meet the needs of the people
ZBOHNVMBJUVNCVILFJOHJOBONFOHHVOBLBOKBTBQFSCBOLBO of West Java who started growing the desire for the use of
TZBSJBIQBEBTBBUJUV Islamic banking services at that time.
%BMBNQFSKBMBOBOOZB NBOBKFNFO1FSTFSPBOCFSQBOEBOHBO *OJUTKPVSOFZ UIFNBOBHFNFOUPGUIF$PNQBOZCFMJFWFTUIBU

VOUVL NFNQFSDFQBU QFSUVNCVIBO VTBIB TZBSJBI TFSUB to accelerate the growth of Islamic business and support the
NFOEVLVOH QSPHSBN #BOL *OEPOFTJB ZBOH NFOHIFOEBLJ programs of Bank Indonesia that pursues an increase in the
QFOJOHLBUBO TIBSF QFSCBOLBO TZBSJBI NBLB EFOHBO share of Islamic banking, with the approval of the General
QFSTFUVKVBO 3BQBU 6NVN 1FNFHBOH 4BIBN 15 #BOL Meeting of Shareholders of PT Bank Pembangunan Daerah
Pembangunan Daerah Jawa Barat dan Banten Tbk diputuskan Jawa Barat and Banten Tbk decided to make the Sharia
VOUVL NFOKBEJLBO %JWJTJ6OJU 6TBIB 4ZBSJBI NFOKBEJ #BOL Division/ Unit into Sharia Bank.
6NVN4ZBSJBI
Sebagai tindak lanjut, maka pada 15 Januari 2010 didirikanlah "T B GPMMPX VQ CKC 4ZBSJBI JU XBT FTUBCMJTIFE PO +BOVBSZ
CKC 4ZBSJBI CFSEBTBSLBO "LUB 1FOEJSJBO 1FSTFSPBO 5FSCBUBT CBTFE PO UIF -JNJUFE -JBCMJUZ $PNQBOZ %FFE /P
/PZBOHEJCVBUPMFI'BUIJBI)FMNJ 4) /PUBSJTEJ+BLBSUB 'BUIJBINBEFCZ'BUIJBI)FMNJ 4) /PUBSZJO+BLBSUB5IF
Akta telah memperoleh pengesahan dari Menkumham EFFEIBTCFFOBQQSPWFECZUIF%FDSFFPGUIF.FOLVNIBN
CFSEBTBSLBO 4VSBU ,FQVUVTBO /P ")6") /P")6")PGEBUFE+BOVBSZ BOE
5BIVO UBOHHBM +BOVBSJ EBO UFMBI EJEBGUBSLBO IBTCFFOSFHJTUFSFEJOUIF$PNQBOZ-JTUJOBDDPSEBODFXJUI
EBMBN %BGUBS 1FSTFSPBO TFTVBJ EFOHBO 6615 /P ")6 6615/P")6")PGEBUFE+BOVBSZ
")5BIVOUBOHHBM+BOVBSJ 2010.

Introduction
Management Report
.BOBHFNFOU3FQPSU
$PNQBOZ1SPmMF
Corporate Data
181
Kegiatan Usaha Business Activity

4FTVBJ1BTBM"OHHBSBO%BTBS#BOL+BCBS#BOUFO4ZBSJBI In accordance with Article 3 of the Articles of Association of
NBLTVE EBO UVKVBO BEBMBI NFOZFMFOHHBSBLBO VTBIB #BOL +BCBS #BOUFO 4ZBSJBI UIF QVSQPTF BOE PCKFDUJWF JT UP
QFSCBOLBOCFSEBTBSLBOQSJOTJQTZBSJBI conduct banking business based on the sharia principles.
Pengurus Bank Jabar Banten Syariah Management of Bank Jabar Banten Sharia
%FXBO,PNJTBSJT %JSFLTJEBO%141FSJPEF #PBSEPG$PNNJTTJPOFST %JSFDUPSTBOE%141FSJPE
Dewan Komisaris/ Board of Commissioners Jabatan/Position Nama/Name
Komisaris Utama/President Commissioner Erick
Komisaris/Commissioner Santoso Djojo Koesoemo
Komisaris/Commissioner %JEJU4VQSJZBEJ
Komisaris/Commissioner $BIZB
Direksi/ Board of Directors Jabatan Nama/Name

President Direktur/President Director "MJ/VSJEJO
Direktur/Director )BNBSB"EBN
Direktur/Director )BSUB1VSOBNB CFMVNmUBOEQSPQFSUFTU
Direktur/Director :PDJF(VTNBO CFMVNmUBOEQSPQFSUFTU
Dewan Pengawas/Supervisory Board Jabatan Nama/Name

Ketua/Chairman Jaih Mubarok
Anggota/Member Endjo Sunidja
Anggota/Member 3J[LB.BVMBOB
Kinerja Performance
)JOHHB %FTFNCFS BTFU #BOL +BCBS #BOUFO 4ZBSJBI As of December 2014, the assets of Bank Jabar Banten
NFOJOHLBU EJCBOEJOHLBO QFSJPEF ZBOH TBNB UBIVO 4ZBSJBIJODSFBTFECZDPNQBSFEUPUIFTBNFQFSJPEJO
TFCFMVNOZB %BSJ 3Q USJMJVO NFOKBEJ TFCFTBS 3Q UIFQSFWJPVTZFBS'SPN3QUSJMMJPOUP3QUSJMMJPO
triliun.
Perkembangan penghimpunan Dana Pihak Ketiga (DPK) 5IFEFWFMPQNFOUPG5IJSE1BSUZ'VOET %1,

JTBTGPMMPXT
BEBMBITFCBHBJCFSJLVU • Deposits derived from the products of Giro, Savings and
t %1, ZBOH CFSBTBM EBSJ QSPEVL (JSP 5BCVOHBO EBO %FQPTJUT JODSFBTFE CZ PS 3Q CJMMJPO GSPN
%FQPTJUP NFOJOHLBU TFCFTBS BUBV 3Q NJMJBS 3Q CJMMJPOJO%FDFNCFSUP3Q CJMMJPOPO
ZBJUV EBSJ 3Q NJMJBS QBEB %FTFNCFS NFOKBEJ %FDFNCFS5IFJODSFBTFXBTESJWFOCZBOJODSFBTF
3Q NJMJBS QBEB %FTFNCFS 1FOJOHLBUBO JOEFQPTJUTJOUIFBNPVOUPG3Q CJMMJPO PS GSPN
tersebut ditopang oleh kenaikan Deposito sebesar 3Q CJMMJPOUP3Q CJMMJPOJO%FDFNCFS
3Q NJMJBS BUBV EBSJ 3Q NJMJBS NFOKBEJ t 4BWJOHTQSPEVDUTJODSFBTFECZ3QCJMMJPOPSGSPN
3QNJMJBSEJ%FTFNCFS 3Q CJMMJPO JO %FDFNCFS UP 3Q CJMMJPO JO
t 1SPEVL 5BCVOHBO NFOJOHLBU 3Q NJMJBS BUBV %FDFNCFS BOE (JSP QSPEVDUT EFDSFBTFE CZ
EBSJ3QNJMJBSEJ%FTFNCFSNFOKBEJ3QNJMJBS 3QCJMMJPOPSGSPN3QCJMMJPOJO%FDFNCFSUP
pada Desember 2014 dan produk Giro menurun sebesar 3QCJMMJPOJO%FDFNCFS
3Q NJMJBS BUBV EBSJ TFCFTBS 3Q NJMJBS EJ
%FTFNCFSNFOKBEJ3QNJMJBSEJ%FTFNCFS

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
Data Perusahaan
%BUB1FSVTBIBBO
BISNIS SYARIAH
t ,PNQPTJTJ%BOB1JIBL,FUJHBCBOL+BCBS#BOUFO4ZBSJBI t 5IF5IJSE1BSUZ'VOETDPNQPTJUJPOPG#BOL+BCBS#BOUFO
dari Desember 2013 hingga Desember 2014 masih 4ZBSJBI GSPN %FDFNCFS UP %FDFNCFS JT TUJMM
didominasi oleh simpanan Deposito masing-masing EPNJOBUFECZ%FQPTJUTTBWJOHTSFTQFDUJWFMZBNPVOUJOHUP
TFCFTBS EBO EBSJUPUBM%BOB1JIBL,FUJHB BOEPGUIFUPUBM5IJSE1BSUZ'VOETBOEUIF
EBONBZPSJUBTNFSVQBLBOEFQPTBOLPSQPSBTJ NBKPSJUZBSFDPSQPSBUFEFQPTJUPST
t .FOJOHLBUOZB WPMVNF VTBIB EJTFCBCLBO PMFI t 5IFJODSFBTFJOUIFCVTJOFTTWPMVNFJTEVFUPUIFmOBODJOH
QFSUVNCVIBO QFNCJBZBBO #BOL +BCBS #BOUFO 4ZBSJBI HSPXUI PG #BOL +BCBS #BOUFO 4ZBSJBI 5IF mOBODJOH
,JOFSKB QFNCJBZBBO CBOL bjb 4ZBSJBI UFSVT NFOHBMBNJ performance of bank bjb4ZBSJBIDPOUJOVFTUPFYQFSJFODF
QFOJOHLBUBO EBO QBEB UBIVO WPMVNF QFNCJBZBBO BO JODSFBTF BOE CZ UIF mOBODJOH WPMVNF PG CKC
bjb4ZBSJBIUFMBINFODBQBJ3QNJMJBSBUBVNFOJOHLBU 4ZBSJBIIBTSFBDIFE3QCJMMJPO BOJODSFBTFPG
TFCFTBS EJCBOEJOHLBOEFOHBOUBIVOTFCFMVNOZB DPNQBSFEUPUIFQSFWJPVTZFBS
Perkembangan Ekuitas (Modal) Development of Equity (Capital)

Ekuitas terdiri dari modal disetor dan saldo laba pada 31 &RVJUZDPOTJTUTPGQBJEJODBQJUBMBOESFUBJOFEFBSOJOHTPO
%FTFNCFSTFCFTBS3QNJMJBSBUBVNFOJOHLBU %FDFNCFS BNPVOUJOH UP 3Q CJMMJPO PS BO JODSFBTF
dibandingkan posisi pada Desember 2013. Peningkatan ini of 1.75% compared to the position in December 2013. This
EJTFCBCLBOPMFIMBCBZBOHEJCVLVLBObjb4ZBSJBIQBEBBLIJS JODSFBTFXBTEVFUPOFUJODPNFSFDPSEFECZbjb4ZBSJBIBUUIF
UBIVOZBOHNFODBQBJ3Q NJMJBS FOEPGXIJDISFBDIFE3QCJMMJPO
Pendapatan, Beban, Dan Laba 5HYHQXH([SHQVHVDQG3URÀW

Selama periode tahun buku 2014, pertumbuhan pendapatan, %VSJOH UIF mTDBM ZFBS QFSJPE UIF HSPXUI PG SFWFOVFT
beban dan laba bank bjb4ZBSJBIBEBMBITFCBHBJCFSJLVU FYQFOTFTBOEQSPmUTPGbank bjb4ZBSJBIBSFBTGPMMPXT
• Pendapatan operasional bjb 4ZBSJBI TFCFTBS • Operating income of bjb 4ZBSJBI BNPVOUFE UP
3Q NJMJBS EJ NBOB KVNMBI UFSTFCVU CFSBTBM EBSJ 3QCJMMJPO JOXIJDIUIFBNPVOUPGJODPNFEFSJWFEGSPN
QFOEBQBUBO QFOZBMVSBO EBOB 3Q NJMJBS EBO TJTBOZB GVOE EJTCVSTFNFOUT JO UIF BNPVOU PG 3Q CJMMJPO BOE
3QNJMJBSCFSBTBMEBSJQFOEBQBUBOPQFSBTJPOBMMBJOOZB 3QCJMMJPOEFSJWFEGSPNPUIFSPQFSBUJOHJODPNF
• Beban operasional bjb 4ZBSJBI 3Q NJMJBS UFSEJSJ EBSJ • Operating expenses of bjb 4ZBSJBI BNPVOUFE UP
CFCBO UFOBHB LFSKB 3Q NJMJBS CFCBO BENJOJTUSBTJ 3Q CJMMJPO DPOTJTUT PG UIF MBCPS FYQFOTF PG
EBO VNVN 3Q NJMJBS CFCBO QFOZJTJIBO LFSVHJBO BTFU 3Q CJMMJPO HFOFSBM BOE BENJOJTUSBUJWF FYQFOTFT PG
QSPEVLUJGCFSTJI3QNJMJBSEBOTJTBOZBCFSVQBCFCBO 3Q CJMMJPO UIF FYQFOTF GPS UIF OFU QSPEVDUJWF BTTFUT
MBJOOZBTFCFTBS3QNJMJBS MPTTFT PG 3Q CJMMJPO BOE UIF SFTU PG PUIFS DPTUT XIJDI
• Laba bersih bjb 4ZBSJBI QBEB %FTFNCFS TFCFTBS BNPVOUFEUP3QCJMMJPO
3QNJMJBS t /FUJODPNFPGbjb4ZBSJBIJO%FDFNCFSBNPVOUFEUP
3QCJMMJPO.
Rasio-Rasio Keuangan Financial Ratios

3BTJP QFSNPEBMBO $"3
CBOL bjb 4ZBSJBI QBEB %FTFNCFS $BQJUBM "EFRVBDZ 3BUJP $"3
PG bank bjb 4ZBSJBI JO
2014 sebesar 15,78%, mengalami penurunan dibandingkan December 2014 amounted to 15.78%, a decrease compared
QFSJPEFZBOHTBNBUBIVOTFCFMVNOZB ZBOHCFSBEBEJQPTJTJ UPUIFTBNFQFSJPEUIFQSFWJPVTZFBS XIJDIXBTJOBQPTJUJPO
PG
Rasio Rentabilitas: Earning Ratio:

- Imbal hasil Aset (Return On Asseto30"
TFCFTBS 3FUVSO 0O "TTFU o 30" PG PO %FDFNCFS
QBEB %FTFNCFS EJCBOEJOHLBO QBEB DPNQBSFEUPPO%FDFNCFS
Desember 2013.

Introduction
Management Report
.BOBHFNFOU3FQPSU
$PNQBOZ1SPmMF
Corporate Data
183
SHARIA BUSINESS
*NCBM )BTJM &LVJUBT Return On Equity o 30&

TFCFTBS 3FUVSO 0O &RVJUZ o 30& PG PO %FDFNCFS
QBEB%FTFNCFSEJCBOEJOHLBO QBEB DPNQBSFEUPPO%FDFNCFS
Desember 2013. 5IFJODSFBTFJO30"BOE30&BSFEVFUPUIF#010SBUJP
1FOVSVOBO 30" EBO 30& EJTFCBCLBO PMFI SBTJP #010 XIJDIEFDSFBTFEDPNQBSFEUPUIFQSFWJPVTZFBS
ZBOH NFOHBMBNJ QFOJOHLBUBO EJCBOEJOHLBO EFOHBO /FU *OUFSFTU .BSHJO /*.
JO BNPVOUFE UP
UBIVOTFCFMVNOZB a increase compared to the position in December 2013
- /FU *OUFSFTU .BSHJO /*.
QBEB UBIVO TFCFTBS XIJDIBNPVOUFEUP
8,34%, mengalami peningkatan dibandingkan posisi pada
%FTFNCFSTFCFTBS
Beban Operasional terhadap Pendapatan Operasional 0QFSBUJOH&YQFOTFTUP0QFSBUJOH*ODPNF #010

PG
#010
TFCFTBS .FOHBMBNJ QFOJOHLBUBO Increased compared to the position in December 2013 which
EJCBOEJOHLBOQPTJTJQBEB%FTFNCFSTFCFTBS XBT
Per 31 Desember 2014, Financing Deposit Ratio '%3

"TPG%FDFNCFS UIF'JOBODJOH%FQPTJU3BUJP '%3

apabila dibandingkan dengan Desember 2013 sebesar was 82.02% compared to December 2013 which amounted to
,POEJTJUFSTFCVUEJTFCBCLBOQFOJOHLBUBO%1,ZBOH 5IFDPOEJUJPOJTEVFUPBOJODSFBTFJOUIFmOBODJOH
MFCJI UJOHHJ EJCBOEJOHLBO QFOJOHLBUBO WPMVNF QFNCJBZBBO WPMVNFUIBUJTOPUNBUDIFECZBOJODSFBTFJOEFQPTJUT JOXIJDI
EJNBOB %1, NFOJOHLBU TFCFTBS 3Q NJMJBS TFEBOHLBO mOBODJOHJODSFBTFECZ3Q CJMMJPO XIJMF%1,JODSFBTFE
QFNCJBZBBOIBOZBNFOJOHLBUTFCFTBS3QNJMJBS CZPOMZ3QCJMMJPO
Kualitas aset produktif per 31 Desember 2014 rasio-rasio 5IF RVBMJUZ PG QSPEVDUJWF BTTFUT BT PG %FDFNCFS
UFSLBJUEFOHBOLVBMJUBTBLUJWBQSPEVLUJGBOUBSBMBJO SBUJPTBTTPDJBUFEXJUIBTTFUTRVBMJUZ BNPOHPUIFST
- Piutang Murabahah /FU 1FSGPSNJOH 'JOBODJOH /1'
.VSBCBIBI3FDFJWBCMFT/FU1FSGPSNJOH'JOBODJOH /1'

(SPTT /FU1FSGPSNJOH'JOBODJOH /1'
/FU (SPTT /FU1FSGPSNJOH'JOBODJOH /1'
/FU
- Piutang Istishna /FU1FSGPSNJOH'JOBODJOH /1'
Gross *TUJTIOB 3FDFJWBCMFT /FU 1FSGPSNJOH 'JOBODJOH /1'

/FU1FSGPSNJOH'JOBODJOH /1'
/FU 72,08%. (SPTT /FU 1FSGPSNJOH 'JOBODJOH /1'
/FU
- Pinjaman Qardh /FU1FSGPSNJOH'JOBODJOH /1'
Gross 72.08%.
/FU1FSGPSNJOH'JOBODJOH /1'
/FU 0,00%. 2BSEI-PBO/FU1FSGPSNJOH'JOBODJOH /1'
(SPTT
1FNCJBZBBO .VEIBSBCBI /FU 1FSGPSNJOH 'JOBODJOH /FU1FSGPSNJOH'JOBODJOH /1'
/FU
/1'
Gross 0,35%, /FU 1FSGPSNJOH 'JOBODJOH /1'
.VEIBSBCBI 'JOBODJOH /FU 1FSGPSNJOH 'JOBODJOH /1'

/FU (SPTT /FU1FSGPSNJOH'JOBODJOH /1'
/FU
1FNCJBZBBO .VTZBSBLBI /FU 1FSGPSNJOH 'JOBODJOH .VTZBSBLBI 'JOBODJOH /FU 1FSGPSNJOH 'JOBODJOH /1'

/1'
Gross /FU1FSGPSNJOH'JOBODJOH /1'
(SPTT /FU 1FSGPSNJOH 'JOBODJOH /1'
/FU
/FU 12,50%. 12.50%.

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
Data Perusahaan
%BUB1FSVTBIBBO
PD BPR LPK GARUT KOTA
PD BPR LPK
GARUT KOTA
1BEB UBIVO ,BCVQBUFO (BSVU NFOEJSJLBO -FNCBHB *O UIF(BSVU3FHFODZFTUBCMJTIFEBmOBODJBMJOTUJUVUJPO
Keuangan dengan nama Lembaga Perkreditan Kecamatan with the name of District Credit Insitution (Lembaga Perkreditan
(LPK) berdasarkan Surat Keputusan Gubernur Kepala Kecamatan - LPK) based on the Decree of the Governor of
%BFSBI5JOHLBU*+BXB#BSBU/PNPS"***4,UFOUBOH 8FTU+BWB/P"***4,POUIF&TUBCMJTINFOUPGUIF
Pembentukan Lembaga Perkreditan Kecamatan (LPK) di District Credit Institution (LPK) in West Java Province. On
1SPWJOTJ +BXB #BSBU 1BEB UBOHHBM +VMJ 1% -1, EJ +VMZ UIF -1, USBEJOH DPNQBOZ JO (BSVU 3FHFODZ
,BCVQBUFO(BSVUTFMBOKVUOZBCFSVCBITUBUVTNFOKBEJ1%#13 TVCTFRVFOUMZ DIBOHFE JUT TUBUVT UP 3VSBM #BOL 5SBEJOH
-1, CFSEBTBSLBO ,FQVUVTBO .FOUFSJ ,FVBOHBO 3FQVCMJL $PNQBOZ%JTUSJDU$SFEJU*OTUJUVUJPO 1%#13-1,
CBTFEPOUIF
Indonesia. %FDSFFPGUIF.JOJTUSZPG'JOBODFPGUIF3FQVCMJDPG*OEPOFTJB
Pemerintah Provinsi Jawa Barat telah mengeluarkan The West Java Provincial Government has issued several
beberapa kebijakan terkait dengan pengembangan PD. QPMJDJFT SFMBUFE UP UIF EFWFMPQNFOU PG 3VSBM #BOL 5SBEJOH
#13 NJMJL CFSTBNB 1FNFSJOUBI 1SPWJOTJ +BXB #BSBU EBO $PNQBOZ 1%#13
XIJDIKPJOUMZCFMPOHTUPUIFHPWFSONFOU
Banten, Pemerintah Kabupaten dan PT Bank Pembangunan PG 8FTU +BWB BOE #BOUFO UIF HPWFSONFOU PG UIF 3FHFODZ
%BFSBI +BXB #BSBU 5CL EFOHBO EJLFMVBSLBOOZB 1FSEB /P and PT Bank Pembangunan Daerah Jawa Barat, Tbk,
UBIVO UFOUBOH 1FSVCBIBO BUBT 1FSEB /P UBIVO XJUI UIF JTTVBODF PG 3FHVMBUJPO /P :FBS PO UIF
UFOUBOH1%#13EBO1%1,ZBOHEJBOUBSBOZBNFOHBUVS "NFOENFOUPG3FHVMBUJPO/P:FBSPO1%#13BOE
mengenai penggabungan melalui konsolidasi atau merger PD. The regulation among others regulates merger through
1%#13EJTFUJBQ,BCVQBUFONFOKBEJ TBUV
1%#13 DPOTPMJEBUJPOPSNFSHFSPG1%#13JOFBDIPGUIFEJTUSJDUUP
POF
1%#13
Sesuai surat ijin Sesuai Surat Keputusan Deputi Gubernur 5IF %FDSFF PG UIF %FQVUZ (PWFSOPS PG #BOL *OEPOFTJB /P
#BOL *OEPOFTJB /P ,&1%Q( UBOHHBM 0LUPCFS ,&1%Q( EBUFE 0DUPCFS TVCNJUUFE CZ
ZBOH EJTBNQBJLBO PMFI #* #BOEVOH NFMBMVJ TVSBU #* #* #BOEVOH UISPVHI UIF #* MFUUFS /P %,#6*%"E
/P %,#6*%"E#E UBOHHBM 0LUPCFS QFSJIBM Bd dated October 17, 2011 released the granting of Merger
1FNCFSJBO *[JO 1FOHHBCVOHBO 6TBIB .FSHFS
1% #13 QFSNJU PG UIF 1% #13-1, JO (BSVU 3FHFODZ (BSVU ,PUB
-1, ,BC (BSVU (BSVU ,PUB 4VLBXFOJOH #BZPOHCPOH 4VLBXFOJOH #BZPOHCPOH $JLBKBOH #BOKBSXBOHJ $JCBMPOH
Cikajang, Banjarwangi, Cibalong dan Leuwigoong) ke dalam BOE-FVXJHPPOH
JOUP1%#13-1,(BSVU,PUB1%#13-1,
1%#13-1,(BSVU,PUB ZBOHUFMBICFSPQFSBTJTFKBLUBOHHBM Garut Kota has been operating since December 27, 2011,
%FTFNCFS NFMBMVJQFOVUVQBOOFSBDBEBONFOZVTVO upon the closing of the balance sheet and the formulation of
OFSBDB QFNCVLBBO 1% #13 IBTJM NFSHFS QBEB UBOHHBM BOPQFOJOHCBMBODFTIFFUPGUIF1%#13NFSHFEJO%FDFNCFS
%FTFNCFS TFSUB QFOHVNVNBO 1% #13 IBTJM NFSHFS BOE UIF BOOPVODFNFOU PG UIF SFTVMU PG 1% #13
tanggal 27 Desember 2011. Setelah penggabungan usaha merger in December 27, 2011. After the merger until now, PD
1%#13-1,(BSVU,PUBIJOHHBTBBUJOJCFSLFNCBOHNFOKBEJ #13-1,(BSVU,PUBIBTEFWFMPQFEJOUP POF
IFBEPGmDF
1 (satu) kantor pusat, 7 (tujuh) kantor cabang dan 4 (empat) (seven) branches and 4 (four) treasuries.
kantor kas.

Introduction
Management Report
.BOBHFNFOU3FQPSU
$PNQBOZ1SPmMF
Corporate Data
185
Kegiatan Usaha Business Activities

4FTVBJ EFOHBO 66 /P UFOUBOH 1FSCBOLBO *O BDDPSEBODF UP "DU /P PO #BOLJOH BT BNFOEFE
TFCBHBJNBOBUFMBIEJVCBIEFOHBO66/P%BMBN66 CZ -BX /P UIF MBX FYQMJDJUMZ NFOUJPOFE UIBU 3VSBM
UFSTFCVU TFDBSB UFHBT EJTFCVULBO CBIXB #13 BEBMBI #BOL #BOL #13
JT B #BOL DPOEVDUJOH DPOWFOUJPOBM CVTJOFTT
ZBOHNFMBLTBOBLBOLFHJBUBOVTBIBTFDBSBLPOWFOTJPOBMBUBV PS CBTFE PO TIBSJB QSJODJQMFT JO XIJDI XJUIJO JUT BDUJWJUZ UIF
CFSEBTBSLBO QSJOTJQ TZBSJBI ZBOH EBMBN LFHJBUBOOZB UJEBL #BOL EPFT OPU QSPWJEF TFSWJDFT JO QBZNFOU USBOTBDUJPOT
NFNCFSJLBO KBTB EBMBN MBMV MJOUBT QFNCBZBSBO ,FHJBUBO #13CVTJOFTTBDUJWJUJFTBSFQSJNBSJMZJOUFOEFEUPTFSWFTNBMM
VTBIB #13 UFSVUBNB EJUVKVLBO VOUVL NFMBZBOJ VTBIBVTBIB businesses and the communities in rural areas. The legal form
LFDJM EBO NBTZBSBLBU EJ EBFSBI QFEFTBBO #FOUVL IVLVN PG#13JTB-JNJUFE-JBCJMJUZ$PNQBOZ 3FHJPOBM$PNQBOZ PS
#13EBQBUCFSVQB1FSTFSPBO5FSCBUBT 1FSVTBIBBO%BFSBI Cooperative.
atau Koperasi.
Pengurus PD BPR LPK Garut Kota The Management of PD BPR LPK Garut City
%JSFLTJEBO%FXBO1FOHBXBT1FSJPEF#13(BSVU,PUB 5IF#PBSEPG%JSFDUPSTBOEUIF4VQFSWJTPSZ#PBSEPG#13(BSVU,PUB
Direksi/Board of Directors Jabatan/Position Nama/Name
Direktur Utama/President Director Drs. Aam Muhamad, MM
Direktur/Director Dani hadian, ST, MM
Dewan Pengawas/Supervisory Board Jabatan/Position Nama/Name

Ketua/Chairman Tedi Kusnadi, SE, MM
Anggota/Member %ST%FEJ4VUBSEJ/BUBNJIBSKB
Kinerja Performance
t "TFU1%#13-1,(BSVU,PUBQBEBCVMBO%FTFNCFS t 5IFBTTFUTPG1%#13-1,(BSVU,PUBJO%FDFNCFS
NFOJOHLBU TFCFTBS 3Q KVUB BUBV TFCFTBS JODSFBTFE CZ 3Q NJMMJPO PS BOE CFDBNF
dibandingkan setahun lalu Desember 2013 sebesar 3Q NJMMJPO DPNQBSFE UP 3Q NJMMJPO JO
3Q KVUB NFOKBEJ 3Q KVUB EJ %FTFNCFS December 2013.
2014. t 5IF JODSFBTF XBT NBJOMZ JOnVFODFE CZ UIF JODSFBTF JO
• Peningkatan tersebut terutama dipengaruhi oleh MPBOTBOEUIFJODSFBTFJOUIJSEQBSUZGVOET
NFOJOHLBUOZB QJOKBNBO ZBOH EJUFSJNB EBO QFOJOHLBUBO t -PBOT BT PG %FDFNCFS JODSFBTFE CZ 3Q
DPK NJMMJPO PS BOE CFDBNF 3Q NJMMJPO GSPN
t 1JOKBNBOZBOH%JUFSJNBQPTJTJ%FTFNCFSNFOHBMBNJ 3Q NJMMJPOJO%FDFNCFS
QFOJOHLBUBO TFCFTBS 3Q KVUB BUBV t 4BWJOHT BT PG %FDFNCFS HSFX CZ 3Q NJMMJPO
EBSJ %FTFNCFS TFCFTBS 3Q KVUB NFOKBEJ PS BOE CFDBNF 3Q NJMMJPO DPNQBSFE UP
3QKVUBEJCVMBO%FTFNCFS 3Q NJMMJPO%FDFNCFS
• Dana Tabungan posisi Desember 2014 tumbuh sebesar t 5JNF %FQPTJUT BT PG %FDFNCFS JODSFBTFE CZ
3Q KVUB BUBV TFCFTBS EJCBOEJOHLBO 3Q NJMMJPO BO JODSFBTF PG BOE CFDBNF
EFOHBO %FTFNCFS TFCFTBS 3Q KVUB NFOKBEJ 3Q NJMMJPO DPNQBSFE UP UIF OVNCFS JO %FDFNCFS
3QKVUB XIJDIBNPVOUFEUP3Q NJMMJPO
• Dana Deposito posisi Desember 2014 meningkat sebesar
3QKVUBBUBVUVNCVITFCFTBS EJCBOEJOHLBO
EFOHBO %FTFNCFS TFCFTBS 3Q KVUB NFOKBEJ
TFCFTBS3QKVUB

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
Data Perusahaan
%BUB1FSVTBIBBO
t %BSJ TJTJ QFOZBMVSBO EBOB ,SFEJU UVNCVI TFCFTBS t *O UFSNT PG UIF EJTUSJCVUJPO PG GVOET DSFEJU HSFX CZ
3Q KVUB BUBV TFCFTBS EJCBOEJOHLBO 3Q NJMMJPO PS BOE CFDBNF 3Q
EFOHBO QPTJTJ %FTFNCFS TFCFTBS 3Q KVUB million compared to the position in December 2013 which
NFOKBEJTFCFTBS3QKVUB TFEBOHLBO"OUBS#BOL BNPVOUFE UP 3Q NJMMJPO NFBOXIJMF UIF JOUFSCBOL
Aktiva pada bulan Desember 2014 meningkat sebesar BTTFUTJO%FDFNCFSJODSFBTFECZ3Q NJMMJPO PS
3QKVUB BUBVUVNCVITFCFTBS EJCBOEJOHLBO HSFXCZDPNQBSFEUPOVNCFSJO%FDFNCFS
dengan bulan Desember 2013.
Perkembangan Ekuitas Development of Equity

&LVJUBT QBEB %FTFNCFS NFODBQBJ 3Q KVUB &RVJUZBTPG%FDFNCFS BNPVOUFEUP3Q NJMMJPO
atau meningkat 20,08% dibandingkan posisi Desember 2013. an increase of 20.08% compared to December 2013. The
1FOJOHLBUBOJOJUFSVUBNBEJQFOHBSVIJPMFIBEBOZBUBNCBIBO JODSFBTFXBTNBJOMZJOnVFODFECZUIFQSFTFODFPGBEEJUJPOBM
TFUPSBO NPEBM EBSJ QFNFHBOH TBIBN ZBJUV 1FNQSPW +BXB DBQJUBMDPOUSJCVUFECZTIBSFIPMEFST OBNFMZUIFHPWFSONFOU
#BSBUEBO1FNLBC(BSVUTFCFTBS3QKVUBTFSUBUFSEBQBU PG8FTU+BWB1SPWJODFBOEUIFHPWFSONFOUPG(BSVU3FHFODZ
MBCBZBOHEJCVLVLBOPMFI1%#13-1,(BSVU,PUBQBEBBLIJS BNPVOUFE 3Q NJMMJPO BOE FBSOJOHT QPTUFE CZ 1% #13
UBIVOTFCFTBS3QKVUB LPK Garut Kota as of the end of 2014 which amounted to
3Q NJMMJPO
Laba Tahun Berjalan &XUUHQW<HDU3URÀW

Laba Tahun Berjalan bulan Desember 2014 adalah sebesar $VSSFOU :FBS 1SPmU BT PG %FDFNCFS BNPVOUFE UP
3QKVUB1FSUVNCVIBOMBCBUFSTFCVUUFSVUBNBEJUPQBOH 3Q NJMMJPO 5IF QSPmU HSPXUI XBT NBJOMZ TVQQPSUFE CZ
PMFI QFOJOHLBUBO QFOEBQBUBO CVOHB TFCFTBS 3Q KVUB UIFJODSFBTFJOJOUFSFTUJODPNFPG3Q NJMMJPOPS
BUBV EBSJ %FTFNCFS TFCFTBS 3Q KVUB GSPN3Q NJMMJPOJO%FDFNCFSUP3Q NJMMJPO
NFOKBEJ3QKVUBEJ%FTFNCFS in December 2014.

t 3BTJP $"3 #13 (BSVU ,PUB QBEB CVMBO %FTFNCFS t #13(BSVU,PUBT$"3BTPG%FDFNCFSEFDSFBTFE
mengalami penurunan dari Desember 2013 sebesar from 22.17% in December 2013 to 20.12% in December
22,17% menjadi 20,12% di Desember 2014. 2014.
• Cash Ratio $3
QPTJTJ %FTFNCFS BEBMBI TFCFTBS t $BTI 3BUJP $3
BT PG %FDFNCFS BNPVOUFE UP
33,05%. 33.05%.
t 3BTJP-%31%#13-1,(BSVU,PUBCVMBO%FTFNCFS t 1% #13 -1, (BSVU ,PUBT -%3 BT PG %FDFNCFS
NFOHBMBNJ QFOJOHLBUBO TFCFTBS EBSJ %FTFNCFS JODSFBTFE CZ GSPN JO %FDFNCFS UP
TFCFTBS NFOKBEJ ZBOHEJTFCBCLBO JO%FDFNCFSEVFUPUIFIJHIFSJODSFBTFJO
PMFI QFOJOHLBUBO %BOB ZBOH MFCJI UJOHHJ EJCBOEJOHLBO funds compared to the increase in loans, where funds
dengan peningkatan Kredit, dimana Dana meningkat JODSFBTFECZ3Q NJMMJPOXIJMFMPBOTPOMZJODSFBTFE
TFCFTBS 3Q KVUB TFEBOHLBO ,SFEJU NFOJOHLBU CZ3Q NJMMJPO
TFCFTBS3QKVUB t 1%#13-1,(BSVU,PUBTQSPEVDUJWFBTTFUTRVBMJUZ ,"1

• Kualitas aset produktif (KAP) per 31 Desember 2014 PD as of December 31, 2014 amounted to 3.08%.
#13-1,(BSVU,PUBBEBMBITFCFTBS t 5IFRVBMJUZPG/1-SBUJPBTPG%FDFNCFSEFDSFBTFE
t 3BTJP/1-QPTJTJ%FTFNCFSNFOHBMBNJQFOVSVOBO CZGSPNJO%FDFNCFSUP"MPOH
LVBMJUBT TFCFTBS EBSJ CVMBO %FTFNCFS XJUIUIFJODSFBTFJO/1-SBUJP 11"1SBUJPJODSFBTFEGSPN
TFCFTBS NFOKBEJTFCFTBS 4FJSJOHEFOHBO JO%FDFNCFSUPJO%FDFNCFS
QFOJOHLBUBO SBTJP /1- SBTJP 11"1 NFOJOHLBU EBSJ
%FTFNCFS TFCFTBS NFOKBEJ EJ
Desember 2014.

Introduction
Management Report
.BOBHFNFOU3FQPSU
$PNQBOZ1SPmMF
Corporate Data
187
t 3BTJP 30" EJ CVMBO %FTFNCFS NFOHBMBNJ t 30"JO%FDFNCFSEFDSFBTFECZOBNFMZGSPN

penurunan sebesar 0,3% dibandingkan dengan bulan UPXIJDIXBTJOnVFODFECZUIFJODSFBTFJO
%FTFNCFSEBSJTFCFTBS NFOKBEJ ZBOH operating expense to operating revenue ratio from 84.32%
dipengaruhi oleh peningkatan rasio BOPO dari sebesar UP XIJDI XBT EPNJOBUFE CZ JOUFSFTU FYQFOTFT
NFOKBEJ ZBOH EJEPNJOBTJ PMFI CFCBO BOE GPMMPXFE CZ EFQSFDJBUJPOXSJUFPGG FYQFOTFT XIJDI
CVOHB EJJLVUJ EFOHBO CFCBO QFOZVTVUBOQFOHIBQVTBO SFTQFDUJWFMZ JODSFBTFE CZ 3Q NJMMJPO BOE 3Q
ZBOH NBTJOHNBTJOH NFOHBMBNJ QFOJOHLBUBO TFCFTBS million.
3QKVUBEBO3QKVUB

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
Data Perusahaan
%BUB1FSVTBIBBO
PD BPR LPK
JALANCAGAK
1FSVTBIBBO%BFSBI#BOL1FSLSFEJUBO3BLZBU-1,+BMBODBHBL 1% #13 -1, +BMBODBHBL XBT FTUBCMJTIFE CBTFE PO UIF
didirikan berdasarkan Surat Keputusan Bupati kepala daerah %FDSFF PG UIF 3FHFOU PG 4VCBOH /P 45"1QF
UJOHLBU ** 4VCBOH /P 45"1QF4, UBOHHBM 4,EBUFE4FQUFNCFS XJUIUIFOBNF1%#131BTBS
4FQUFNCFS EFOHBO OBNB 1% #BEBO 1FSLSFEJUBO +BMBODBHBL #BTFE PO UIF %FDSFF PG UIF 3FHFOU PG 4VCBOH
Pasar Jalancagak. Berdasarkan Surat Keputusan Bupati /P1&EBUFE4FQUFNCFS UIF$PNQBOZXBT
,FQBMB %BFSBI 5JOHLBU ** 4VCBOH /P 1& UBOHHBM DIBOHFEJOUP1%#13-1,+BMBODBHBL
4FQUFNCFSEJVCBINFOKBEJ1FSVTBIBBO%BFSBI#BOL
1FSLSFEJUBO3BLZBU-1,+BMBODBHBL
,FHJBUBOVTBIB1FSVTBIBBO%BFSBI#BOL1FSLSFEJUBO3BLZBU 5IFCVTJOFTTBDUJWJUJFTPG1%#13-1,+BMBODBHBLPCUBJOFE
LPK Jalancagak telah memperoleh izin dari Departemen QFSNJTTJPO GSPN UIF .JOJTUSZ PG 'JOBODF PG UIF 3FQVCMJD PG
,FVBOHBO 3FQVCMJL *OEPOFTJB NFMBMVJ 4VSBU ,FQVUVTBO *OEPOFTJBUISPVHIUIF%FDSFFPGUIF.JOJTUFSPG'JOBODF/P
.FOUFSJ ,FVBOHBO /P ,&1,. UBOHHBM ,&1,.EBUFE'FCSVBSZ BOEGSPN#BOL
'FCSVBSJTFSUBEBSJ#BOL*OEPOFTJB EFOHBOTVSBU/P *OEPOFTJBUISPVHIMFUUFS/P6#13"E3#EEBUFE"QSJM
6#13"E3#EUBOHHBM"QSJM
Dengan Izin Prinsip berdasarkan Keputusan Deputi Gubernur 8JUI 1SJODJQMF 1FSNJU CBTFE PO UIF %FDSFF PG UIF %FQVUZ
#BOL*OEPOFTJB/P,&1%Q(UBOHHBM"HVTUVT (PWFSOPS PG #BOL *OEPOFTJB /P ,&1%Q( EBUFE
2011 tentang Pemberian Izin Penggabungan Usaha (Merger) "VHVTU PO UIF 3FMFBTF PG 1FSNJU GPS UIF NFSHFS PG
1% #13 -1, $JTBMBL 1% #13 -1, 1BHBEFO 1% #13 -1, 1% #13 -1, $JTBMBL 1% #13 -1, 1BHBEFO 1% #13 -1,
1VSXBEBEJ EBO 1% #13 -1, 1BNBOVLBO LF EBMBN 1% #13 1VSXBEBEJ BOE 1% #13 -1, 1BNBOVLBO JOUP 1% #13 -1,
LPK Jalancagak. Jalancagak.
Penggabungan usaha (merger

1%#13-1,+"-"/$"(", 5IFNFSHFSPG1%3#-1,+BMBODBHBLDPNNFODJOH4FQUFNCFS
UFSIJUVOHUBOHHBM4FQUFNCFSBEBMBIZBOHQFSUBNBEJ XBTUIFmSTUUPCFDPOEVDUFEJO8FTU+BWBBOEIBT
Jawa Barat dan telah dicatat dalam administrasi pengawasan been recorded in Bank Indonesia’s supervision administration
#BOL *OEPOFTJB CFSEBTBSLBO 4VSBU #BOL *OEPOFTJB /PNPS CBTFE PO #BOL *OEPOFTJB -FUUFS /P %,#6*%"E#E
%,#6*%"E#EUFOUBOH1FMBLTBOBBO.FSHFS1%#13 POUIFJNQMFNFOUBUJPOPGNFSHFSPG1%#13-1,+BMBODBHBL
LPK Jalancagak.
Pada tahun 2012, bank bjbUFMBINFOHBLVJTJTJ1%#13-1, In 2012, bank bjb IBT BDRVJSFE 1% #13 -1, +BMBODBHBL JO
Jalancagak sesuai dengan Surat Keputusan Bank Indonesia BDDPSEBODFXJUIUIF%FDSFFPG#BOL*OEPOFTJB/P,&1
/P,&1(#*#EUBOHHBM4FQUFNCFS GBI/Bd/2012 dated September 28, 2012.

Introduction
Management Report
.BOBHFNFOU3FQPSU
$PNQBOZ1SPmMF
Corporate Data
189
Pengurus PD BPR LPK Jalancagak Management of PD BPR LPK Jalancagak

%JSFLTJEBO%FXBO1FOHBXBT1FSJPEF#13-1,+BMBODBHBL #PBSEPG%JSFDUPSTBOE4VQFSWJTPSZ#PBSEPG#13-1,+BMBODBHBLJOUIF
Period of 2014-2015
Direksi/Board of Directors Jabatan Nama/Name
Direktur Utama/President Director %ST)0NBO4VOBOEBS
Direktur/Director %ST).BNBO4VLJSNBO ."1
Dewan Pengawas/Supervisory Board Jabatan Nama/Name

Ketua/Chairman Drs. Sarpan Sujana
Anggota/Member )FUUZ+VJUBOJOHSVN 4"1
Kinerja Performance
)JOHHB %FTFNCFS BTFU 1% #13 -1, +BMBODBHBL 6OUJM%FDFNCFS UIFBTTFUTPG1%#13-1,+BMBODBHBL
NFOJOHLBU EJCBOEJOHLBO QFSJPEF ZBOH TBNB JODSFBTFE DPNQBSFE UP UIF TBNF QFSJPE JO UIF
UBIVO TFCFMVNOZB %BSJ 3Q KVUB NFOKBEJ TFCFTBS QSFWJPVT ZFBS OBNFMZ GSPN 3Q NJMMJPO UP 3Q
3QKVUB million.
Perkembangan penghimpunan Dana Pihak Ketiga (DPK) 5IFEFWFMPQNFOUPGUIJSEQBSUZGVOET 51'

JTBTGPMMPXT
BEBMBITFCBHBJCFSJLVU • TPK derived from Savings and Deposits products
t %1, ZBOH CFSBTBM EBSJ QSPEVL 5BCVOHBO EBO %FQPTJUP JODSFBTFE CZ PS 3Q NJMMJPO GSPN 3Q
NFOJOHLBU TFCFTBS BUBV 3Q KVUB ZBJUV EBSJ NJMMJPOJO%FDFNCFSUP3Q NJMMJPOJO%FDFNCFS
3Q KVUB QBEB %FTFNCFS NFOKBEJ 3Q 31, 2014.
juta pada 31 Desember 2014. t 4BWJOHT JODSFBTFE CZ 3Q NJMMJPO PS GSPN
t 1SPEVL5BCVOHBONFOJOHLBU3QKVUBBUBV EBSJ 3Q NJMMJPOJO%FDFNCFSUP3Q NJMMJPOJO
3Q KVUB EJ %FTFNCFS NFOKBEJ 3Q KVUB December 2014.
pada Desember 2014. t %FQPTJUT JODSFBTFE CZ 3Q NJMMJPO PS GSPN
t 1SPEVL %FQPTJUP NFOJOHLBU TFCFTBS 3Q KVUB BUBV 3Q NJMMJPOJO%FDFNCFSUP3Q NJMMJPOJO
EBSJ TFCFTBS 3Q KVUB EJ %FTFNCFS December 2014.
NFOKBEJ3QKVUBEJ%FTFNCFS
Perkembangan Ekuitas (Modal) Development of Equity (Capital)

Ekuitas terdiri dari modal disetor dan saldo laba pada 31 &RVJUZ DPOTJTUT PG QBJEJO DBQJUBM BOE SFUBJOFE FBSOJOHT
%FTFNCFS TFCFTBS 3Q KVUB BUBV NFOJOHLBU BU %FDFNCFS BNPVOUFE UP 3Q NJMMJPO BO
EJCBOEJOHLBO QPTJTJ QBEB %FTFNCFS JODSFBTF PG DPNQBSFE UP UIF QPTJUJPO JO %FDFNCFS
1FOJOHLBUBOJOJUFSVUBNBEJTFCBCLBOPMFIBEBOZBUBNCBIBO 5IF JODSFBTF XBT QSJNBSJMZ EVF UP BEEJUJPOBM QBJEJO
modal disetor oleh Pemerintah Provinsi Jawa Barat sebesar DBQJUBMCZUIF(PWFSONFOUPG8FTU+BWB1SPWJODFPG3Q
3QKVUBQBEB%FTFNCFS million at December 31, 2014.
Pendapatan, Beban, dan Laba 5HYHQXH([SHQVHDQG3URÀW

Selama periode tahun buku 2014, pertumbuhan pendapatan, %VSJOH UIF QFSJPE PG UIF mTDBM ZFBS UIF HSPXUI PG
CFCBO EBO MBCB 1% #13 -1, +BMBODBHBL BEBMBI TFCBHBJ SFWFOVF FYQFOTFBOEQSPmUPG1%#13-1,+BMBODBHBLJTBT
CFSJLVU GPMMPXT
t 1FOEBQBUBO PQFSBTJPOBM 1% #13 -1, +BMBODBHBL t 0QFSBUJOHJODPNFPG1%#13-1,+BMBODBHBLBNPVOUFE
TFCFTBS 3Q KVUB EJ NBOB KVNMBI UFSTFCVU CFSBTBM UP3Q NJMMJPO JOXIJDIUIFBNPVOUXBTEFSJWFEGSPN
EBSJ QFOEBQBUBO QFOZBMVSBO EBOB 3Q KVUB EBO the income from the distribution of funds with the amount of

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
Data Perusahaan
%BUB1FSVTBIBBO
TJTBOZB3QKVUBCFSBTBMEBSJQFOEBQBUBOPQFSBTJPOBM 3Q NJMMJPOBOE3Q NJMMJPOGSPNPUIFSPQFSBUJOH

MBJOOZB income.
t #FCBO PQFSBTJPOBM 1% #13 -1, +BMBODBHBL 3Q t 0QFSBUJOHFYQFOTFTPG1%#13-1,+BMBODBHBLBNPVOUFE
KVUBUFSEJSJEBSJCFCBOUFOBHBLFSKB3QKVUB CFCBO UP3Q NJMMJPOXIJDIDPOTJTUTPG3Q NJMMJPOPG
CVOHB 3Q KVUB CFCBO BENJOJTUSBTJ EBO VNVN MBCPSDPTU 3Q NJMMJPOPGJOUFSFTUFYQFOTF 3Q
3Q KVUB CFCBO QFOZJTJIBO LFSVHJBO BTFU QSPEVLUJG NJMMJPO PG HFOFSBM BOE BENJOJTUSBUJWF FYQFOTFT 3Q
CFSTJI 3Q KVUB EBO TJTBOZB CFSVQB CFCBO MBJOOZB million of provision for net loss of productive assets and
TFCFTBS3QKVUB 3Q NJMMJPOPGUIFPUIFSFYQFOTFT
t -BCB CFSTJI 1% #13 -1, +BMBODBHBL QBEB %FTFNCFS t /FUQSPmUPG1%#13-1,+BMBODBHBLJO%FDFNCFS
TFCFTBS3QKVUB BNPVOUFEUP3Q NJMMJPO

3BTJP QFSNPEBMBO $"3
1% #13 -1, +BMBODBHBL QBEB $BQJUBMBEFRVBDZSBUJP $"3
PG1%#13-1,+BMBODBHBLJO
%FTFNCFS TFCFTBS NFOHBMBNJ QFOJOHLBUBO %FDFNCFSBNPVOUFEUP BOJODSFBTFDPNQBSFE
EJCBOEJOHLBO QFSJPEF ZBOH TBNB UBIVO TFCFMVNOZB ZBOH UP UIF TBNF QFSJPE JO UIF QSFWJPVT ZFBS XIJDI XBT JO UIF
CFSBEBEJQPTJTJ QPTJUJPOPG
3BTJPSFOUBCJMJUBT
- Imbal hasil Aset (Return On Asset 30"
TFCFTBS 1SPmUBCJMJUZSBUJPT
QBEB%FTFNCFS EJCBOEJOHLBO QBEB 3FUVSO 0O "TTFUT 30"
PG JO %FDFNCFS
Desember 2013. DPNQBSFEUPJO%FDFNCFS
*NCBM )BTJM &LVJUBT Return On Equity 30&
TFCFTBS 3FUVSO PO &RVJUZ 30&
PG JO %FDFNCFS
QBEB%FTFNCFSEJCBOEJOHLBO QBEB compared to 17.07% in December 2013.
Desember 2013. 5IF EFDMJOF JO 30" BOE 30& XFSF DBVTFE CZ UIF MPXFS
1FOVSVOBO30"EBO30&EJTFCBCLBOPMFIQFSPMFIBOMBCB QSPmUSFDFJWFEDPNQBSFEUPUIFQSPmUJOUIFQSFWJPVTZFBS
ZBOHMFCJISFOEBIEJCBOEJOHLBOUBIVOTFCFMVNOZBTFSUB BOE#010SBUJPJODSFBTFEDPNQBSFEUPUIFQSFWJPVTZFBS
SBTJP #010 ZBOH NFOHBMBNJ QFOJOHLBUBO EJCBOEJOHLBO /FU *OUFSFTU .BSHJO /*.
JO BNPVOUFE UP
EFOHBOUBIVOTFCFMVNOZB a decrease compared to the position in December 2013
- /FU *OUFSFTU .BSHJO /*.
QBEB UBIVO TFCFTBS which amounted 13.31%.
NFOHBMBNJQFOVSVOBOEJCBOEJOHLBOQPTJTJQBEB - Operating Expenses to Operating Income (BOPO)
Desember 2013 sebesar 13,31%. XBT BO JODSFBTF DPNQBSFE UP UIF QPTJUJPO JO
- Beban Operasional terhadap Pendapatan Operasional %FDFNCFSXIJDIBNPVOUFEUP
#010
TFCFTBS .FOHBMBNJ QFOJOHLBUBO "TPG%FDFNCFS -POH%FQPTJU3BUJPBNPVOUFE
dibandingkan posisi pada Desember 2013 sebesar UP DPNQBSFE UP JO %FDFNCFS 5IF
DPOEJUJPOXBTDBVTFECZUIFIJHIFSJODSFBTFJOEFQPTJUT
1FS%FTFNCFS -POH%FQPTJU3BUJP-%3
compared to the increase in loans, where deposits
apabila dibandingkan dengan Desember 2013 sebesar JODSFBTFE CZ XIJMF MPBOT POMZ JODSFBTFE CZ
,POEJTJ UFSTFCVU EJTFCBCLBO QFOJOHLBUBO %1, 13.14%.
ZBOH MFCJI UJOHHJ EJCBOEJOHLBO QFOJOHLBUBO LSFEJU ZBOH "TPG%FDFNCFS UIFRVBMJUZPGQSPEVDUJWFBTTFUT
EJCFSJLBO EJNBOB %1, NFOJOHLBU TFCFTBS ,"1
PG1%#13-1,+BMBODBHBLBNPVOUFEUP
TFEBOHLBO LSFEJU ZBOH EJCFSJLBO IBOZB NFOJOHLBU "T PG %FDFNCFS UIF /1- PG 1% #13 -1,
sebesar 13,14%. Jalancagak amounted to 3.87%.
- Kualitas aset produktif (KAP) per 31 Desember 2014 PD
#13-1,+BMBODBHBLBEBMBITFCFTBS
/1- QFS %FTFNCFS 1% #13 -1, +BMBODBHBL
adalah sebesar 3,87%.

Introduction
Management Report
.BOBHFNFOU3FQPSU
$PNQBOZ1SPmMF
Corporate Data
191
RENCANA TERHADAP ANAK PERUSAHAAN

DAN PERUSAHAAN ASOSIASI KE DEPAN
THE FUTURE PLAN FOR SUBSIDIARIES AND ASSOCIATED COMPANIES
bank bjb Syariah bank bjb Sharia

- Kerja sama Host to Host untuk meningkatkan brand )PTU UP )PTU DPPQFSBUJPO UP JNQSPWF UIF $PNQBOZT
image perusahaan, memperluas jaringan kantor, serta CSBOEJNBHF FYQBOEUIFPGmDFOFUXPSL BTXFMMBTDPTU
FmTJFOTJ CJBZB LIVTVTOZB USBOTBLTJ NFMBMVJ "5. EFOHBO FGmDJFODZ FTQFDJBMMZ "5. USBOTBDUJPOT VTJOH UIF IPTU UP
menggunakan jaringan host to host core banking system IPTUDPSFCBOLJOHTZTUFNOFUXPSLCFUXFFOCBOLbjb and
antara bank bjb dengan bank bjb4ZBSJBI bank bjb Sharia.
1FOJOHLBUBO TFUPSBO NPEBM ZBOH EJMBLVLBO VOUVL - Increase paid-up capital to strengthen the capital structure
memperkuat struktur permodalan (modal inti) bank bjb (core capital) of bank bjb Sharia so as to enter BOOK 2
4ZBSJBIBHBSNBTVLLFEBMBN#6,6 EVB
UFSLBJUEFOHBO (two) related to the restrictions on business activities and
BEBOZB QFNCBUBTBO LFHJBUBO VTBIB EBO QFSMVBTBO FYQBOTJPOPGOFUXPSLCBTFEPO#BOL*OEPOFTJB3FHVMBUJPO
jaringan berdasarkan Peraturan Bank Indonesia nomor /P 1#* SFHBSEJOH #VTJOFTT "DUJWJUJFT BOE
1#* QFSJIBM ,FHJBUBO 6TBIB EBO +BSJOHBO 0GmDF/FUXPSL#BTFEPOUIF#BOLT$PSF$BQJUBM
Kantor Berdasarkan Modal Inti Bank.
PD BPR LPK Garut Kota dan PD BPR LPK Jalancagak PD BPR LPK Garut Kota and PD BPR LPK Jalancagak
- Perubahan bentuk badan hukum Perusahaan Daerah (PD) 5IF DPOWFSTJPO PG UIF MFHBM GPSN PG FOUJUZ GSPN 3FHJPOBM
NFOKBEJ 1FSTFSPBO 5FSCBUBT 15
TFTVBJ EFOHBO 1&3%" $PNQBOZ 1%
JOUP -JNJUFE -JBCJMJUZ $PNQBOZ 15
JO
/PNPS5BIVOUFOUBOH1FSVCBIBO#FOUVL)VLVN BDDPSEBODF XJUI UIF 3FHJPOBM 3FHVMBUJPO /P :FBS
1FSVTBIBBO%BFSBI#BOL1FSLSFEJUBO3BLZBU)BTJM.FSHFS 2013 concerning the conversion of the legal form from
di Kabupaten Garut, Kabupaten Subang, Kabupaten 3FHJPOBM $PNQBOZ PG UIF 3VSBM #BOLT #13
SFTVMUFE
$JBOKVS EBO ,BCVQBUFO 5BTJLNBMBZB NFOKBEJ 1FSTFSPBO GSPN .FSHFS JO (BSVU 4VCBOH $JBOKVS BOE 5BTJLNBMBZB
5FSCBUBT ZBOH EJMBLVLBO VOUVL NFNQFSMVBT XJMBZBI EBO EJTUSJDUT JOUP B -JNJUFE -JBCJMJUZ $PNQBOZ XBT QFSGPSNFE
QSPEVLVTBIB#13EBONFOJOHLBULBOEBZBTBJOHEFOHBO UP FYQBOE UIF CVTJOFTT BSFB BOE QSPEVDUT PG #13 BOE
perbankan konvensional. improve competitiveness with conventional banks.
- Kerja sama Host to Host VOUVL NFOJOHLBULBO QFMBZBOBO )PTUUP)PTUDPPQFSBUJPOUPJNQSPWFTFSWJDFTBOEQSPEVDU
dan keunggulan produk melalui fasilitas ATM kepada FYDFMMFODF UISPVHI UIF GBDJMJUZ PG "5. GPS UIF DVTUPNFST
OBTBCBI #13 FmTJFOTJ CJBZB TFSUB NFNQFSLVBU brand PG#13 DPTUFGmDJFODZBOETUSFOHUIFOJOHCSBOEJNBHFPG
image #13 EBO CBOL bjb sebagai satu kesatuan #13BOECBOLbjbBTBXIPMF FTQFDJBMMZGPS#13 JODSFBTF
LIVTVTOZBCBHJ#13 NFOJOHLBULBOOJMBJKVBM#13
UIFTBMFWBMVFPG#13

- Pemenuhan kewajiban setoran modal untuk memperkuat 'VMmMMNFOU PG UIF SFRVJSFNFOU PO QBJEVQ DBQJUBM UP
permodalan perusahaan dan mewujudkan industri TUSFOHUIFO UIF $PNQBOZT DBQJUBM BOE SFBMJ[F B IFBMUIZ
#13 ZBOH TFIBU LVBU QSPEVLUJG EBO EJQFSDBZB HVOB TUSPOH QSPEVDUJWF BOE SFMJBCMF SVSBM CBOL JOEVTUSZ UP
mendukung pertumbuhan perekonomian daerah, serta TVQQPSU UIF HSPXUI PG UIF SFHJPOBM FDPOPNZ BOE DSFBUF
NFODJQUBLBO LPOEJTJ ZBOH LPOEVTJG VOUVL NFOEPSPOH DPOEVDJWFDPOEJUJPOUPCPPTUUIFQFSGPSNBODFPG#13
QFOJOHLBUBOLJOFSKB#13
3HUXVDKDDQ $ÀOLDVL 37 $VXUDQVL %DQJXQ $VNULGD GDQ $IÀOLDWHG &RPSDQ\ 37 $VXUDQVL %DQJXQ $VNULGD DQG
BPR) BPR)
- Meningkatkan tambahan setoran modal kepada - Increase the paid-up capital for PT Asuransi Bangun
PT Asuransi Bangun Askrida Askrida
.FMBLVLBO NFSHFS BOUBSB #13 QFS ,BCVQBUFO EFOHBO .FSHFCFUXFFOUIF#13JOUIFEJTUSJDUTXJUIBUMFBTU
kepemilikan saham bank bjb minimal 51% dan diutamakan TIBSFTPXOFECZCBOLbjbBOEQSJPSJUJ[FEUPUIFIFBMUIZ
VOUVL#13ZBOHTFIBUEBOCFSLJOFSKBCBJL #13XJUIHPPEQFSGPSNBODF
- Merubah bentuk badan hukum dari Perusahaan Daerah $IBOHF UIF MFHBM GPSN PG 3FHJPOBM $PNQBOZ 1%
JOUP
(PD) menjadi Perseroan Terbatas (PT) setelah merger. -JNJUFE-JBCJMJUZ$PNQBOZ 15
BGUFSUIFNFSHFS

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
ASPEK
PEMASARAN
MARKETING ASPECT

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
193
6QBZB VOUVL NFOHJNQMFNFOUBTJLBO SFODBOB TUSBUFHJT CJTOJT Efforts to implement the short and long term strategic business
jangka pendek maupun jangka panjang, bank bjb selalu plans, bank bjb BMXBZT QSPWJEFT UIF CFTU QSPEVDUT BOE
NFNCFSJLBOQSPEVLEBOKBTBZBOHUFSCBJLTFSUBTFMBMVJSFTQPOTJG TFSWJDFTBOEBMXBZTSFTQPOTJWFUPNBSLFUEZOBNJDTCBOLbjb
terhadap dinamika pasar. bank bjb selalu memberikan solusi BMXBZTQSPWJEFTUIFCFTUTPMVUJPOGPSFWFSZDVTUPNFSTOFFET
ZBOH UFSCBJL VOUVL TFUJBQ LFCVUVIBO OBTBCBI LIVTVTOZB QBSUJDVMBSMZJODSFEJUQSPEVDUT0OFPGUIFQSPEVDUTJTUIF,(#
QBEB QSPEVL LSFEJU 4BMBI TBUVOZB QSPEVL ,(# TFCBHBJ as one of the products that can support the credit growth of
TBMBITBUVQSPEVLZBOHEBQBUNFOPQBOHQFSUVNCVIBOLSFEJU bank bjb JOXIJDIUIF,(#QSPEVDUIBTBWFSZJNQPSUBOUSPMF
bank bjb ZBOH EJNBOB QSPEVL ,(# NFNJMJLJ QFSBOBO ZBOH UIJTJTCFDBVTF
TBOHBUQFOUJOH IBMJOJEJLBSFOBLBO • The strong positioning of the KGB product
• PositioningQSPEVL,(#ZBOHDVLVQLVBU • A competitive interest rates
t 5JOHLBUTVLVCVOHBZBOHLPNQFUJUJG • The implementation of on target promotional programs
t %JCFSMBLVLBOOZBQSPHSBNQSPNPTJZBOHUFQBUTBTBSBO • Giving attention to the debtors
• Pemberian atensi kepada para Debitur • Prioritizing Personal and Emotional touch as an advantage
• Mengutamakan Personal dan Emotional Touch sebagai in the terms of services.
LFVOHHVMBOEBSJTJTJQFMBZBOBO
Strategi Pemasaran Marketing Strategy

)JOHHB UBIVO TFHNFOUBTJ OBTBCBI CBOL bjb masih Until 2014, the bank customer segmentation bjb still
EJEPNJOBTJPMFIOBTBCBISJUFM)BMJUV EJBOUBSBOZBCJTBEJMJIBU EPNJOBUFECZSFUBJMDVTUPNFST*UXBT PGXIPNDBOCFTFFO
EBSJ LPNQPTJTJ QFOHVDVSBO LSFEJU ZBOH NBTJI EJEPNJOBTJ from the composition of which is still dominated lending to the
untuk bidang konsumsi, walaupun Perseroan tidak melupakan mFMEPGDPOTVNQUJPO BMUIPVHIUIF$PNQBOZIBTOPUGPSHPUUFO
nasabah korporasi. its corporate customers.
Untuk mendukung kegiatan bisnis 2014, Perseroan telah 5P TVQQPSU CVTJOFTT BDUJWJUJFT JO UIF $PNQBOZ IBT
mengimplementasikan sejumlah strategi pemasaran. implemented a number of marketing strategies. Based on
#FSEBTBSLBO QSPEVL LFHJBUBO QFNBTBSBO ZBOH TVEBI the product, the marketing activities that have been
EJKBMBOLBOEJBOUBSBOZB JNQMFNFOUFEJODMVEF
A. Transaksi Trade Finance and Services A. Transaksi Trade Finance and Services
1. Untuk produk ini, Perseroan memilih strategi pro- 'PS UIJT QSPEVDU UIF $PNQBOZ DIPTF B QSP BDUJWF
BLUJG ZBOH EJ BOUBSBOZB NFMBMVJ gathering dengan TUSBUFHZ XIJDI BNPOH PUIFST CZ HBUIFSJOH XJUI
nasabah dan calon nasabah potensial. Para customers and potential customers. Stakeholders are
QFNBOHLV LFQFOUJOHBO ZBOH EJMJCBULBO NJTBMOZB involved, for example, the Investment Coordinating
Badan Koordinasi Penanaman Modal (BKPM), Badan #PBSE #,1.
3FHJPOBM *OWFTUNFOU $PPSEJOBUJOH
Koordinasi Penanaman Modal Daerah (BKPMD), serta #PBSE #,1.%
BT XFMM BT FNQMPZFST BTTPDJBUJPOT
BTPTJBTJ EBO PSHBOJTBTJ QFOHVTBIB ZBOH NFNJMJLJ and organizations which have an export - import
orientasi transaksi ekspor-impor dan perdagangan transactions and domestic trade.
dalam negeri. 2. Included in the series of marketing, International
2. Termasuk dalam rangkaian pemasaran, Divisi Division also provide education to stakeholders.
Internasional juga memberikan edukasi kepada "NPOHUIFXBZ XJUIBHVFTUTQFBLFSBUWBSJPVTFWFOUT
para pemangku kepentingan. Antara lain dengan involving exporters and importers, in collaboration with
DBSB NFOKBEJ OBSBTVNCFS EJ CFSCBHBJ BDBSB ZBOH the Department of Trade Peruindusrian and West Java
melibatkan eksportir dan importir, bekerja sama Province, Department of Commerce, as well as other
dengan Dinas Peruindusrian dan Perdagangan activities.
Provinsi Jawa Barat, Departemen Perdagangan,
NBVQVOLFHJBUBOMBJOOZB

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
ASPEK PEMASARAN
B. Transaksi Remitansi B. Remittance transactions

1. Mengimplementasikan strategi pemasaran below the 1. Implement marketing strategies below the line , for
line NJTBMOZBTQPOTPSTIJQ)BSJ6MBOH5BIVO3*CFLFSKB FYBNQMF TQPOTPSTIJQ "OOJWFSTBSZ PG *OEPOFTJB JO
TBNBEFOHBO,POTVMBU+FOEFSBM3FQVCMJL*OEPOFTJBEJ DPPQFSBUJPOXJUIUIF$POTVMBUF(FOFSBMPGUIF3FQVCMJD
)POH,POH PG*OEPOFTJBJO)POH,POH
2. Promosi produk remitansi melalui kerja sama dengan 2. Promotion of remittance products through cooperation
Agent Remittance di Singapura. XJUI3FNJUUBODF"HFOUJO4JOHBQPSF
3. Bekerja sama dengan Kementerian Tenaga Kerja *O DPMMBCPSBUJPO XJUI UIF .JOJTUSZ PG .BOQPXFS BOE
dan Transmigrasi Indonesia, Disnakertrans Jawa Transmigration, Indonesia, West Java Manpower,
#BSBU #/15,* TFSUB #BOL %VOJB VOUVL NFMBLVLBO #/15,* BT XFMM BT UIF 8PSME #BOL UP DPOEVDU
edukasi mengenai produk-produk perbankan, FEVDBUJPOPOCBOLJOHQSPEVDUT NBJOMZSFNJUUBODFTUP
terutama remitansi kepada tenaga kerja Indonesia Indonesian workers and their families in a number of
EBO LFMVBSHBOZB EJ TFKVNMBI EBFSBI ZBOH NFOKBEJ areas which are the basis of TKI, such as Denpasar,
CBTJT5,* TFQFSUJ%FOQBTBS $JSFCPO 3BOHLBTCJUVOH $JSFCPO 3BOHLBTCJUVOH #BOKBS 5BTJLNBMBZB
#BOKBS 5BTJLNBMBZB $JCVCVS EBO4VLBCVNJ Cibubur, and Sukabumi.
C. Dana Pihak Ketiga C. Dana Pihak Ketiga

1. Promosi produk dana 5IJSE1BSUZ'VOET
D. Brand bjb D. Brand bjb

1. Meningkatkan brand awareness bank bjb di tengah *ODSFBTFCSBOEBXBSFOFTTJOUIFDPNNVOJUZCKCCBOL
NBTZBSBLBU NFMBMVJLFHJBUBOQSPNPTJ through promotional activities.
E. Produk Treasury E. Treasury products

1. Kunjungan langsung tenaga penjual ke nasabah dan 7JTJUUIFTBMFTQFSTPOEJSFDUMZUPDVTUPNFSTBOEQPUFOUJBM
calon nasabah potensial untuk sosialisasi mengenai customers for the socialization of foreign exchange
transaksi valuta asing dan instrumen lindung nilai transactions and hedging instruments (hedging
(hedging Instruments) kepada nasabah dan kantor Instruments) to customers and related branches.
cabang terkait.
F. bjb Precious F. bjb Precious

1. Melakukan customer gathering untuk lebih 1. Perform customer gathering to further enhance good
NFOJOHLBULBOIVCVOHBOZBOHCBJLEFOHBOOBTBCBI relationships with customers, both existing customers
CBJLOBTBCBIZBOHTVEBIBEBNBVQVODBMPOOBTBCBI and potential customers.
potensial. )PMEJOH QBUUFSO .FNCFS (FU .FNCFS 1SFDJPVT bjb
.FOZFMFOHHBSBLBO QPMB Member Get Member customers .
nasabah bjb Precious.
Biaya Pemasaran Marketing Cost

Sepanjang tahun 2014, Perseroan telah merealisasikan 5ISPVHIPVU UIF $PNQBOZ IBT SFBMJ[FE UIF QSPNPUJPO
BOHHBSBOQFNBTBSBOTFCFTBS3Q NJMJBS%JCBOEJOHLBO DPTUT PG 3Q CJMMJPO $PNQBSFE UP UIF QSFWJPVT ZFBS
UBIVOTFCFMVNOZB CJBZBZBOHEJLFMVBSLBOUFSTFCVUNFOHBMBNJ DPTUT EFDSFBTFE CZ 8IJMF UIF PQFSBUJPOBM NBSLFUJOH
QFOVSVOBO TFCFTBS 4FEBOHLBO CJBZB PQFSBTJPOBM costs decreased 50% compared in 2013.
pemasaran mengalami penurunan 50% dibandingkan tahun
2013.

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
195
MARKETING ASPECT
#FSJLVUJOJCJBZBQFNBTBSBOZBOHUFMBIEJLFMVBSLBOEBMBNEVB The following marketing costs that have been incurred in the
UBIVOCVLVUFSBLIJS MBTUUXPmTDBMZFBST
3Q.JMJBS
3Q#JMMJPO
Rincian 2013 2014 Details

#JBZB1SPNPTJ 177,10 103,21 Promotion Cost
#JBZB0QFSBTJPOBM1FNBTBSBO 22,4 11,1 Operating Marketing Costs
5FSMFQBT EBSJ QSPEVLQSPEVL LSFEJU ZBOH EJCFSJLBO TFKBMBO In additon to the credit products provided, in line with such,
dengan hal tersebut perusahaan juga menetapkan strategi UIFDPNQBOZBMTPTFUTTUSBUFHJFTUPEFDSFBTFUIF/1-MFWFM
VOUVL NFMBLVLBO QFOVSVOBO UJOHLBU /1- LIVTVTOZB QBEB TQFDJmDBMMZ PO .JDSPDSFEJU XJUI B UXPTUFQ TFU TUSBUFHZ
,SFEJU .JLSP EFOHBO EVB MBOHLBI TUSBUFHJ ZBOH EJUFUBQLBO OBNFMZ
ZBJUV
1. Penyelamatan dan Penyelesaian terhadap Kredit 1. Rescue and Settlement of Existing Credit
Existing
Pada awal tahun 2014 Divisi Mikro berencana akan *O FBSMZ UIF .JDSP %JWJTJPO QMBOT UP JNQMFNFOU UIF
melaksanakan secara serempak Program Sosialisasi %FCU3FTUSVDUVSJOH4PDJBMJ[BUJPO1SPHSBNTJNVMUBOFPVTMZ
3FTUSVLUVSJTBTJ ,SFEJU TFCBHBJ VQBZB QFOVSVOBO /PO BT BO FGGPSU UP SFEVDF UIF /PO 1FSGPSNJOH -PBO /1-

Performing Loan /1-
,SFEJULFMPMBBO%JWJTJ.JLSP EJTJTJ under the management of the Micro Division, on the other
MBJO GBLUPSGBLUPS FLTUFSOBM ZBOH EBQBU NFNQFOHBSVIJ hand external factors that could affect the loan portfolio
petumbuhan portofolio kredit kelolaan Divisi Mikro under the management of the Micro Division’s growth
dapat direduksi dengan beberapa strategis, seperti can be reduced through several strategies, such as the
EJMBLVLBOOZB LFSKB TBNB EFOHBO JOTUBOTJ QFNFSJOUBIBO implementation of the cooperations with government
baik pemerintah pusat, provinsi maupun kabupaten/ agencies, both central government, provincial and
kota untuk memasarkan produk-produk Divisi Mikro bagi SFHFODZDJUZUPNBSLFUQSPEVDUTPGUIF.JDSP%JWJTJPOUP
para pelaku UMKM di daerah, dan pemetaan potensi SMEs in the region, and mapping of potential funding for
QFNCJBZBBO VOUVL NBTJOHNBTJOH KBSJOHBO LBOUPS CBOL each bank bjbPGmDFOFUXPSL
bjb.
4FMBJO VQBZB QFOVSVOBO /1- %JWJTJ .JLSP KVHB NFNJMJLJ *OBEEJUJPOUP/1-SFEVDUJPOFGGPSUT UIF.JDSP%JWJTJPOBMTP
TUSBUFHJVOUVLNFMBLVLBOFLTQBOTJLSFEJUZBOHCFSLVBMJUBT IBTBTUSBUFHZUPFYQBOEJUTRVBMJUZDSFEJUTJO OBNFMZ
EJUBIVO ZBLOJEFOHBONFMBLVLBOJOWFOUBSJTJSQBSB CZ JOWFOUPSZJOH UIF FYJTUJOH CPSSPXFST UP QFSGPSN B UPQ
debitur existing VOUVL EJMBLVLBOOZB top up UFOUVOZB VQ VOEPVCUFEMZ UIJT TUSBUFHZ JT JOUFOEFE GPS CPSSPXFST
TUSBUFHJJOJEJUVKVLBOLFQBEBEFCJUVSZBOHNFNJMJLJSJXBZBU XIPIBWFBIFBMUIZDSFEJUIJTUPSZ%FCUPSTDBOCFMBCFMFE
LSFEJU ZBOH TFIBU %FCJUVS EBQBU EJLBUBLBO TFIBU KJLB IFBMUIZJGUIFZIBWFUIFGPMMPXJOHDSJUFSJB
NFNJMJLJCFCFSBQBLSJUFSJBTFCBHBJCFSJLVU t )BWFVOEFSHPOFIBMGPGUIFDSFEJUQFSJPE
• Telah menjalani setengah jangka waktu kredit t $VSSFOU$PMMFDUJCJMJUZ
• Kolektibilitas Lancar • Meet the technical requirements of the bank to perform
t .FNFOVIJ QFSTZBSBUBO UFLOJT CBOL VOUVL EJMBLVLBO the credit Top Up.
Top Up kredit.
2. Kebijakan Open Selling Kredit Mikro Utama (KMU) 2. Main Micro Credit (KMU) Open Selling Policy
"EBOZB QFOVSVOBO QPTJTJ ,SFEJU .JLSP 6UBNB A decrease in the Main Micro Credit (KMU) position since
(KMU) sejak bulan Juli 2013 sampai dengan +VMZUP%FDFNCFSGSPNUIFQPTJUJPOPG3Q
%FTFNCFS EBSJ QPTJTJ 3Q NJMJBS NFOKBEJ CJMMJPO UP 3Q CJMMJPO B EFDSFBTF PG PS JO UIF
TFCFTBS 3Q NJMJBS UVSVO BUBV TFCFTBS BNPVOU PG 3Q CJMMJPO
NBLJOH QPTTJCMF EFDMJOF UP
3Q NJMJBS
TFIJOHHB QFOVSVOBO QPTJTJ LSFEJU continue in 2014.
dimungkinkan berlanjut di tahun 2014.

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
ASPEK PEMASARAN
1FOZFCBCUVSVOOZBQPTJTJ,.6EJLBSFOBLBO 5IFSFBTPOPGUIFEFDMJOFPGUIF,.6QPTJUJPOJTEVFUP
t "EBOZBTUBUVTiStop Selling” terhadap jaringan kantor t "i4UPQ4FMMJOHwTUBUVTUPPGmDFOFUXPSLTXJUIBO/1-
ZBOH /1- ZBJUV TFCBOZBL KBSJOHBO LBOUPS PGJOUIFBNPVOUPGPGmDFOFUXPSLTPS
BUBV EBSJUPUBMKBSJOHBOLBOUPS3FOEBIOZB PGUIFUPUBMPGmDFOFUXPSLT5IFMPXFYQBOTJPOPG
FLTQBOTJ ,.6 KBSJOHBO LBOUPS ZBOH UFSLFOB TUBUVT UIF,.6PGmDFOFUXPSLTJNQPTFECZUIFTUPQTFMMJOH
stop sellingEJLBSFOBLBOLBOUPSUFSTFCVUIBOZBEBQBU TUBUVTJTCFDBVTFUIFPGmDFDBOPOMZFYQBOEGSPNUIF
melakukan ekspansi dari debitur existing berupa existing borrowers in the form of top up offerings.
penawaran top up. t 3VO PGG GSPN ,.6 EJTCVSTFNFOUT JO XIJDI BT PG
• Run off dari pencairan KMU, dimana per Januari +BOVBSZUP/PWFNCFS UIFSFXFSFSVOPGGUPUBMMJOH
TBNQBJ EFOHBO /PWFNCFS UFSEBQBU run off BO BNPVOU PG 3Q CJMMJPO PS QFS NPOUI PO
TFCFTBS3QNJMJBSBUBVSBUBSBUB QFSCVMBO average.
Adapun rencana mekanisme Open Selling di tahun The Open Selling mechanism plan in 2014 is to put the Cut
2014 adalah dengan memberlakukan sistem Cut Off 0GGTZTUFNJOUPFGGFDUCBTFEPOUIFQPTJUJPOJO%FDFNCFS
CFSEBTBSLBO QPTJTJ %FTFNCFS 1PTJTJ /1- QFS 5IF/1-QPTJUJPOBTPG%FDFNCFS XBTOPU
Desember 2013 tidak diperhitungkan sebagai kriteria included in the “Stop Selling” criteria, thus in 2014, the
“Stop Selling”, sehingga di tahun 2014, seluruh KC/KCP “Open Selling” status was applied at all KC/KCP and able
diberlakukan status “Open Selling” dan dapat melakukan to perform expansions (normal condition).
ekspansi (kondisi normal).
3. Metode Monitoring Kualitas Kredit Mikro 3. Quality Monitoring Method of Microcredit

a) Perubahan struktur Organisasi dari model bisnis unit a) Changes in the structure of the organization ‘s business
menjadi branch model NPEFMVOJUTUPCSBODINPEFMT
• Penambahan fungsi Credit Review, bisnis legal t "EEJUJPOBMGVODUJPOTPGUIF$SFEJU3FWJFX MFHBMBOE
dan putusan kredit berdasarkan komite, sehingga business credit decision based on the committee,
diharapkan proses kredit akan lebih prudent. which is expected to be more prudent credit
• Penerapan sistem "DDPVOU0GmDFS process.
C
.FXBKJCLBO EFCJUVS ZBOH UFMBI EJSFBMJTBTJLBO VOUVL t 5IFJNQMFNFOUBUJPOPG"DDPVOUT0GmDFS
mengikuti customer gathering EJ CVMBO CFSJLVUOZB C
3FRVJSFUIFEFCUPSUIBUIBTCFFOSFBMJ[FEGPSHBUIFSJOH
EFOHBOUVKVBOTFCBHBJCFSJLVU customer follow in the next month, with the following
• Mempererat hubungan antara bank bjb dengan PCKFDUJWFT
EFCJUVSTFIJOHHBEBQBUNFOEPSPOHUJNCVMOZBSBTB • Strengthen relationships between bank bjb with
MPZBMJUBTUJOHHJ the debtor so as to encourage the emergence of a
• Sebagai media pembinaan kepada debitur untuk IJHITFOTFPGMPZBMUZ
memberikan pemahaman cara penggunaan kredit • As the media guidance to the debtor to provide
dengan maksimal. insight on how to use the maximum credit.
• Dapat digunakan sebagai media promosi dan • Can be used as a medium of promotion and
pemasaran (cross selling) Kredit kelolaan divisi marketing (cross selling) Micro Credit other
.JLSPMBJOOZB divisions.
c) Pengembangan Loan Origination System (LOS) D

5IF EFWFMPQNFOU PG UIF -PBO 0SJHJOBUJPO 4ZTUFN
Pengembangan Loan Origination System merupakan (LOS)
QSPHSBN LFSKB UBIVO ZBOH EJMBOKVULBO QBEB 5IFEFWFMPQNFOUPGUIF-PBO0SJHJOBUJPO4ZTUFNJTB
3FODBOB #JTOJT #BOL .BOGBBU EBSJ Loan work program in 2013 which is resumed in the 2014-
Origination SystemBOUBSBMBJO #VTJOFTT 1MBO PG UIF #BOL 5IF CFOFmUT PG UIF
-PBO0SJHJOBUJPO4ZTUFNBSF BNPOHPUIFST

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
197
MARKETING ASPECT
t .FOJOHLBULBO FmTJFOTJ EBO service level melalui t 5PJNQSPWFFGmDJFODZBOEMFWFMPGTFSWJDFTUISPVHI

otomasi automations
• Tracking aplikasi dari mulai awal hingga • To track application from the beginning to approval
persetujuan • To reduce repeated data entries
t .FOHVSBOHJ QFNBTVLBO EBUB ZBOH CFSVMBOH • To improve the control and monitoring application
ulang function
• Meningkatkan fungsi kontrol dan monitoring t 5PFOTVSFUIBUBMMBQQMJDBUJPOTJOFWFSZTFDUJPOTBSF
aplikasi processed in the set amount of time (service level)
• Memastikan bahwa semua aplikasi di setiap t 5P JNQSPWF UIF QSPEVDUJWJUZ PG UIF TUBGG BOE UIFJS
CBHJBOEJQSPTFTEBMBNKBOHLBXBLUVZBOHTVEBI QSPDFTTJOHDBQBDJUZBCJMJUJFT
ditentukan (service level)
• Meningkatkan produktivitas para staf dan
LFNBNQVBOLBQBTJUBTQSPTFTOZB
d) Monitoring On Call (MOC) d) Monitoring On Call (MOC)

Melakukan monitoring terkait First Payment Default $POEVDU NPOJUPSJOH SFMBUFE UP 'JSTU 1BZNFOU %FGBVMU
(FPD), dari hasil monitoring akan diperoleh informasi (FDP), the results of the monitoring will generate the
QFOZFCBCUFSKBEJOZB'1% ZBJUV JOGPSNBUJPOPOUIFDBVTFPG'1% OBNFMZ
• Dana untuk angsuran terpakai untuk kebutuhan • Installment funds was used for other needs
lain • Debtor is still collecting funds for the installment,
• Debitur masih mengumpulkan dana untuk EVFUPUIFEFMBZJOUIFBDDPVOUSFDFJWBCMFTPGUIFJS
BOHTVSBO EJLBSFOBLBO BEBOZB LFUFSMBNCBUBO customers
QFNCBZBSBOQJVUBOHEBSJLPOTVNFO • Misconception of the debtors who regards their
• Kesalahpahaman debitur mengenai tabungan TBWJOHTBTUIFmSTUJOTUBMMNFOU
CFLVZBOHEJBOHHBQTFCBHBJBOHTVSBOQFSUBNB • Force Majeur (bad weather) causing crop failures
• Force Majeur DVBDB CVSVL
ZBOH NFOZFCBCLBO of the debtors’ agricultural business
beberapa usaha pertanian debitur mengalami t -BDLPGNPOJUPSJOHCZUIF,$,$1PGmDFST
gagal panen t *ODPNQBUJCJMJUZ PG DSFEJU GBDJMJUJFT VUJMJ[BUJPOT GPS
t ,VSBOHOZBNPOJUPSJOHEBSJQFUVHBT,$,$1 JUFNTPVUTJEFPGUIFDSFEJUmOBODJOH
• Ketidaksesusaian penggunaan fasilitas kredit
VOUVLIBMIBMEJMVBSQFNCJBZBBOLSFEJU
%BSJ TJTJ LSFEJU ,13 CBOL bjb tetap mengedepankan In terms of mortgage loans bank bjb continues to promote
LVBMJUBTLSFEJU,13EJBOUBSBOZBNFMBMVJ UIFRVBMJUZPGUIFNPSUHBHFMPBOT BNPOHPUIFSTUIPSVHI
• Diberlakukan penalty apabila dilakukan pelunasan t 5IF JNQPTJUJPO PG QFOBMUZ JO UIF FWFOU PG DSFEJU
kredit pada masa Fixed Rate + 1 (Satu) Tahun, BDRVJUUBMJOUIF'JYFE3BUF 0OF
:FBSQFSJPE
ZBJUVTFCFTBSEBSJQFNCBZBSBOQFMVOBTBO XIJDIJTJOUIFBNPVOUPGPGUIFQBZNFOU
pokok. settlement of the principal.
t "EBOZBQSPEVLTop Up kredit untuk debitur existing • The presence of the Top Up product for existing
ZBOHCVOHBMFCJISFOEBIEBSJTVLVCVOHBnPBUJOH. CPSSPXFSTXJUIMPXFSUIBOUIFnPBUJOHJOUFSFTUSBUFT
• Akan diadakan “Program Retention” apabila take t i1SPHSBN3FUFOUJPOwQSPHSBNXJMMCFDBSSJFEPVUJO
over nasabah. the event customer take over occur.

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
ASPEK PEMASARAN
Penghimpunan Dana Pihak Ketiga Third Party Funding

1. Dalam melakukan strategi untuk perluasan bisnis bank *O DPOEVDUJOH CVTJOFTT FYQBOTJPO TUSBUFHZ CBOL bjb
bjb mengembangkan program-program hadiah langsung, develops direct reward programs, such as bjb time
seperti tabungan bjb tandamata berjangka periode II TBWJOHT UBOEBNBUB ** GPS UIF QFSJPE PG +VMZ UP %FDFNCFS
bulan Juli sampai dengan Desember 2013, tabungan bjb 2013, the bjb savings bjb Berhadiah Sesukamu for the
Berhadiah Sesukamu untuk periode Mei sampai dengan QFSJPEPG.BZUP%FDFNCFS
Desember 2013. 2. Cooperating with Kemendikbud, Education Department of
2. Melakukan kerja sama dengan Kemendikbud, Dinas West Java and Banten provinces in the distribution of Poor
Pendidikan Jawa Barat dan Provinsi Banten dalam 4UVEFOUT"JE'VOE #4.
5FBDIFS$FSUJmDBUJPO"MMPXBODF
QFOZBMVSBO%BOB#BOUVBO4JTXB.JTLJO #4.
1FOZBMVSBO Disbursement and distribution of School Operational
%BOB 5VOKBOHBO 4FSUJmLBTJ (VSV EBO QFOZBMVSBO EBOB "TTJTUBODF'VOET #04

#BOUVBO0QFSBTJPOBM4FLPMBI #04
• Poor Students Aid Fund (BSM) for the 2013 Fiscal Year
• Dana Bantuan Siswa Miskin (BSM) Tahun Anggaran VQUP4FQUFNCFSXJUIBUPUBMPG3QCJMMJPO
2013 hingga bulan September total dana sebesar t 5FBDIFS$FSUJmDBUJPO"MMPXBODF%JTCVSTFNFOUJO
3QNJMJBS VQUP4FQUFNCFSXJUIBUPUBMGVOEPG3QUSJMMJPO
t %BOB 5VOKBOHBO 4FSUJmLBTJ (VSV TFMBNB 5BIVO • School Operational Assistance Fund (BOS) during
IJOHHB CVMBO 4FQUFNCFS UPUBM EBOB TFCFTBS 3Q VQUP4FQUFNCFSXJUIBUPUBMPG3QUSJMMJPOGPS
triliun. the region of West Java and Banten.
• Dana Bantuan Operasional Sekolah (BOS) selama t "UPUBMPGPG3QUSJMMJPOPGUIFUPUBMPGUIF'JTDBM
tahun 2013 hingga bulan September total dana Year, which will be channeled through banks bjb in the
TFCFTBS 3Q USJMJVO VOUVL XJMBZBI +BXB #BSBU EBO BNPVOUPG3QUSJMMJPO
Banten. 3. Approaches to several communities that have the
t TFCFTBS3Q USJMJVOEBSJUPUBM5BIVO"OHHBSBO most potential market share, such as the co-branding
ZBOHBLBOEJTBMVSLBONFMBMVJCBOLbjbTFCFTBS3Q QBSUOFSTIJQXJUIBVUPNPUJWF$PNNVOJUZ5IF%FWFMPQNFOU
triliun. of Consumer fund products includes the development of
1FOEFLBUBO LFQBEB CFCFSBQB LPNVOJUBT ZBOH NFNJMJLJ $IJMESFO 4BWJOHT 3FWJFX PG $POTVNFS 'VOE QSPEVDUT
QPUFOTJQBOHTBQBTBSQBMJOHCBOZBL TFQFSUJEJMBLVLBOOZB JODMVEFT UIF SFWJFX PO UIF (FOFSBM 1PMJDZ BOE UIF 401
kerja sama co-branding dengan Komunitas otomotif. UIFEFWFMPQNFOUPGB%FQPTJUTZTUFN UIFEFWFMPQNFOUPG
Pengembangan produk Dana Konsumer meliputi bjb Savings Tandamata Berjangka and the development
pengembangan produk Tabungan Anak, Review produk of the bjbBVUPUSBOTGFSTZTUFN5BOEBNBUB#JTOJT
Dana Konsumer meliputi review Kebijakan Umum dan SOP, 5IFDPNQBOZGBDJMJUBUFTFBDI#SBODI0GmDFBOE3FHJPOBM
pengembangan sistem Deposito, pengembangan sistem 0GmDFUPEFDJEFPO%FQPTJUTQFDJBMSBUFT UIJTJTQFSGPSNFE
Tabungan bjb Tandamata Berjangka dan pengembangan to optimize the services to the customers.
sistem autotransfer bjb Tandamata Bisnis. 5. In order to better optimize the services to the customers,
4. bank bjb memberikan kemudahan bagi setiap Kantor the Consumer Funding & Services Division grants
$BCBOH EBO ,BOUPS 8JMBZBI VOUVL EBQBU NFMBLVLBO BVUIPSJ[BUJPOT UIF #SBODI .BOBHFST BOE 3FHJPOBM
pemutusan special rate Deposito, hal tersebut dilakukan Managers in deciding special rate of Deposits.
VOUVLNFOHPQUJNBMLBOQFMBZBOBOLFQBEBOBTBCBI *ODSFBTJOH DPPQFSBUJPO XJUI UIF -PDBM (PWFSONFOU CPUI
%BMBN SBOHLB MFCJI NFOHPQUJNBMLBO QFMBZBOBO LFQBEB 1SPWJODJBM $JUZ BOE 3FHFODZ JO UFSNT PG UIF SFDFJWJOH
nasabah, maka Divisi Dana & Jasa Konsumer memberikan PG 1##1 BOE PUIFS 3FHJPOBM 5BY POMJOF bjb e-Tax)
kewenangan kepada Pemimpin Cabang dan Pemimpin QBZNFOUT
8JMBZBIEBMBNIBMQFNVUVTBOspecial rate Deposito.
.FOJOHLBULBO LFSKB TBNB EFOHBO QJIBL
Pemerintah Daerah baik Provinsi, Kota maupun
,BCVQBUFO EBMBN IBM QFOFSJNBBO QFNCBZBSBO
1##1 EBO 1BKBL %BFSBI MBJOOZB TFDBSB online
(bjb e-Tax).

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
199
MARKETING ASPECT
.FMBLVLBO QFOZFNQVSOBBO carrier path spesialisasi 7. Perform improvements on specialized career path to the
kepada tim marketing Institusional, sehingga dapat Institutional marketing team, enabling the development of
mengembangkan karir secara internal. internal career.
8. Membentuk *OTUJUVUJPOBM .BSLFUJOH 0GmDFS (IMO) pada 'PSNJOH UIF *OTUJUVUJPOBM .BSLFUJOH 0GmDFS *.0
JO UIF
Kantor Cabang pengelola dana corporate ZBOHCFSUVHBT DPSQPSBUF GVOE NBOBHFNFOU #SBODI 0GmDF XIJDI IBT
melakukan maintenance & service kepada nasabah serta UIF EVUZ PG DPOEVDUJOH NBJOUFOBODF BOE TFSWJDFT UP
mengimplementasikan Marketing Club Program. customers as well as implementing the Marketing Club
.FOJOHLBULBO LFSKB TBNB EFOHBO 1FNFSJOUBI 1VTBU Program.
dalam hal ini dengan Kementrian Tenaga Kerja dan *ODSFBTJOH DPPQFSBUJPO XJUI UIF $FOUSBM (PWFSONFOU JO
Transmigrasi serta Kementrian Koperasi untuk kerja sama UIJTDBTFUIF.JOJTUSZPG.BOQPXFSBOE5SBOTNJHSBUJPOBT
LSFEJULBSZBXBO XFMMBTUIF.JOJTUSZPG$PPQFSBUJWFTGPSFNQMPZFFTDSFEJU
cooperation.
Strategi Penggunaan Dana Funding Utilization Strategy

%BSJ BTQFL CJTOJT LPNFSTJBM TUSBUFHJ ZBOH EJHVOBLBO VOUVL From the commercial business aspect, strategies used to
NFODBQBJUBSHFUBEBMBITFCBHBJCFSJLVU BDIJFWFUIFUBSHFUJTBTGPMMPXT
• Kredit Konsumer • Consumer Credit

– Melakukan review Kebijakan Kredit Konsumer. o $POEVDUJOHSFWJFXTPOUIF$POTVNFS$SFEJU1PMJDZ
– Optimalisasi Pemasaran kepada dinas/instansi secara o 0QUJNJ[JOH .BSLFUJOH UP EFQBSUNFOUT BHFODZ
proaktif dan berkesinambungan. QSPBDUJWFMZBOEDPOUJOVPVTMZ
– Optimalisasi Pemasaran kepada Pensiunan dan Calon o 0QUJNJ[JOH .BSLFUJOH UP UIF 3FUJSFF BOE 3FUJSFF
Pensiunan terkait produk KGB bjb Kredit Pra Purna Candidates in relations to the KGB products of bjb
Bhakti dan bjb Kredit Purna Bhakti. Kredit Pra Purna Bhakti and bjb Kredit Purna Bhakti.
o "MJBOTJ TUSBUFHJ ZBOH MFCJI JOUFOTJG EFOHBO JOTUJUVTJ – More intensive strategic alliances with retirement fund
lembaga pengelola dana pensiunan. management institutions.
• Kredit Mikro • Micro Credit

Strategi dalam meningkatkan portofolio Mikro adalah 4USBUFHJFTUPJNQSPWFUIF.JDSPQPSUGPMJPJTBTGPMMPXT
TFCBHBJCFSJLVU o *NQMFNFOUJOH)3BDDFMFSBUJPOBOEPQUJNJ[BUJPO
– Melaksanakan percepatan dan optimalisasi SDM. – Conducting reviews on the existing policies in the
o .FMBLVLBO SFWJTJ UFSIBEBQ LFUFOUVBOLFUFOUVBO ZBOH Micro Division.
ada di Divisi Mikro. – Conduct benchmarking to SME distributor Bank.
– Melakukan benchmarking LFQBEB #BOL QFOZBMVS – Micro Credit Tiering Webscoring implementation
UMKM. improvements.
– Perbaikan implementasi Tiering Webscoring Kredit – Optimization of Waroeng bjb UZQF $ UISPVHI
Mikro. communications and coordinations with the Branch
– Melaksanakan optimalisasi Waroeng bjb tipe C melalui Managers and KCP Leaders as well as Direct Sales
komunikasi dan koordinasi dengan Pemimpin Cabang "HFODZWFOEPSTJOPSEFSUPGVMmMMUIF)3PG8BSPFOH$
dan Pemimpin KCP serta vendor Direct Sales Agency Marketing and Customer Service.
dalam rangka pemenuhan SDM Marketing dan – Form Clusterings for each Waroeng bjb which is based
Customer Service Waroeng C. on the potentials of the region.
– Membentuk klusterisasi untuk setiap Waroeng bjb o $POEVDUNFOUPSJOHUP#SBODI0GmDFTGPSUIFNBSLFUJOH
ZBOHCFSEBTBSLBOLFQBEBQPUFOTJEBFSBI of products under the management of the Micro
– Melakukan pendampingan kepada Kantor Cabang Division.
untuk pemasaran produk-produk kelolaan Divisi Mikro.

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
ASPEK PEMASARAN
Rencana Strategi Pemasaran 2015 Marketing Strategy Plan 2015

6OUVL UBIVO EFQBO TUSBUFHJ QFNBTBSBO ZBOH EJSFODBOBLBO 6OUVL UBIVO EFQBO TUSBUFHJ QFNBTBSBO ZBOH EJSFODBOBLBO
agar dapat mendukung kegiatan bisnis Perseroan, di agar dapat mendukung kegiatan bisnis Perseroan, di
BOUBSBOZB BOUBSBOZB
A. Produk bjb Precious A. Products bjb Precious

1. Melakukan Customer Gathering untuk produk-produk 1. Customer Gathering for Wealth Management products.
Wealth Management. 2. Setting up an exclusive promotion program for existing
.FOZJBQLBOQSPHSBNQSPNPTJFLTLMVTJGCBHJOBTBCBI customers or potential customers of banks bjb.
ZBOHTVEBIBEBNBVQVOOBTBCBIQPUFOTJBMCBOLbjb.
B. Mikro Pesat B. Micro Rapidly

4FUFMBI NFOZFMFTBJLBO LFSKB TBNB EFOHBO Vendor 1. Upon completion of cooperation with the Vendor Direct
Direct Sales Agency 1FSTFSPBONFOZJBQLBOTFKVNMBI 4BMFT "HFODZ UIF $PNQBOZ QSFQBSFE B OVNCFS PG
QFSCBJLBOBHBSMFCJIFmTJFOEBOFGFLUJGVOUVLNFODBQBJ JNQSPWFNFOUTUPNBLFJUNPSFFGmDJFOUBOEFGGFDUJWFUP
tujuan. achieve the goal.
C. Kredit Konsumer C. Consumer Credit

1SPNPTJ QFNBTBSBO ZBOH MFCJI FGFLUJG EBO 1. Promotional marketing more effective and sustainable,
berkesinambungan, seperti pembuatan marketing such as the creation of marketing tools for Consumer
tools untuk Kredit Konsumer serta pemasaran melalui Credit and marketing through the medium of
media publikasi. publication.
.FOZJBQLBO QSPHSBN reward (Member Get Member) 2. Setting up a reward program (Member Get Member)
ZBOH EJCFSJLBO LIVTVT CBHJ EFCJUVS bjb Kredit Guna QSPWJEFE TQFDJmDBMMZ GPS UIF EFCUPS bjb Credit Guna
Bhakti (KGB) dan bjb,SFEJU1SB1VSOBZBOHCFSIBTJM Bhakti (KGB) and Credit Pre Full bjb who managed
NFNCBXBSFLBOBUBVLPMFHBOZBNFOKBEJEFCJUVSCBSV to bring friends or colleagues become the new debtor
dan debitur mengulang bank bjb. and the debtor’s bank bjb repeat.
3. Pemberian voucher kepada debitur baru dan debitur 3. The provision of vouchers to new debtor and the
ZBOHNFMBLVLBOtop upEFNJNFOJOHLBULBOMPZBMJUBT EFCUPSUPQVQJOPSEFSUPJODSFBTFMPZBMUZ
4. Melakukan gathering dengan debitur sebagai bentuk (BUIFSJOHCZUIFEFCUPSBTBGPSNPGQSPNPUJPOCFMPX
promosi below the line, disesuaikan dengan kultur the line, adapted to local culture and interests of the
daerah dan minat para debitur. debtor.
1SPHSBN)BEJBI-BOHTVOHCBHJEFCJUVSZBOHCFSIBTJM %JSFDU3FXBSET1SPHSBNGPSCPSSPXFSTXIPNBOBHFE
NFNCBXBSFLBOBUBVLPMFHBOZBNFOKBEJEFCJUVSCBSV to bring a friend or colleague into a new debtor bank
bank bjb. bjb.
D. Produk Treasury D. Treasury Products

1. Melakukan kunjungan (sales visit) kepada nasabah 1. Make a visit (sales visit) to existing customers and
ZBOH TVEBI BEB EBO OBTBCBI QPUFOTJBM VOUVL potential customers to conduct educational products,
melakukan edukasi produk, seperti transaksi valuta such as foreign exchange trading and hedging
asing dan hedging instruments kepada nasabah dan instruments to customers and related branches.
kantor cabang terkait. .BSLFU SFUBJM QSPEVDUT TVDI BT SFUBJM 5SFBTVSZ CPOET
2. Memasarkan produk ritel lain seperti obligasi negara will be done with regard to the potential and existing
ritel akan dilakukan dengan memperhatikan potensi market conditions.
EBOLPOEJTJQBTBSZBOHBEB

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
201
MARKETING ASPECT
E. Produk Mikro E. Micro Products

1. Melaksanaan Gathering/Bantuan Pemasaran. $BSSZPVU(BUIFSJOH.BSLFUJOH"TTJTUBODF
2. Pembuatan Media Komunikasi. 2. Preparation of Media Communication.
3. Sosialisasi restrukturisasi kredit. 3. Socialization debt restructuring.
4. Meningkatkan kerja sama dengan Pemerintah Pusat/ 4. Enhance cooperation with the Central Government /
Kementerian teknis, Pemerintah Provinsi Jawa Barat .JOJTUSZ UFDIOJDBM 8FTU +BWB 1SPWJODJBM (PWFSONFOU
NBVQVO-FNCBHBMBJOOZB and Institutions.
5. Melakukan gathering#13existing untuk setiap kanwil. 3#FYJTUJOHHBUIFSJOHGPSBOZPGmDFT
F. Kredit Pemilikan Rumah dan Mortgage F. Housing Loan and Mortgage

1. Melakukan kegiatan pemasaran melalui media secara 1. Perform media marketing activities on an ongoing
berkesinambungan. basis.
2. Melakukan gathering dengan pengembang, dinas/ 2. Gathering with developers, services/agencies, and
JOTUBOTJ EBO BTPTJBTJ QSPQFSUJ TFQFSUJ 3FBM &TUBU BTTPDJBUJPOT TVDI BT UIF 3FBM &TUBUF *OEPOFTJB
Indonesia. QSPQFSUZ
G. Produk Internasional G. International Products

1. Melakukan penetrasi pemasaran ke perusahaan 1FOFUSBUJPONBSLFUJOHDPNQBOZUPUIFTUBUVTPG4UBUF
CFSTUBUVT #BEBO 6TBIB .JMJL /FHBSB BUBV #BEBO Owned or regional-owned enterprises and the private
Usaha Milik Daerah serta swasta melalui direct selling, sector through direct selling, gathering, as well as
gathering, serta pameran. exhibitions.
2. Melakukan advisory dan sosialisasi kepada nasabah 1FSGPSN BEWJTPSZ BOE TPDJBMJ[BUJPO UP DVTUPNFS
QFNCJBZBBOUSBOTBLTJQFSEBHBOHBO USBEFmOBODF). mOBODJOHUSBEFUSBOTBDUJPOT USBEFmOBODF

3. Untuk mendorong bisnis remitansi, akan dilakukan 3. To encourage the remittance business, will be the
QSPNPTJ CBHJ MBZBOBO EBO QSPEVL bjb remittance promotion of services and products overall bjb
TFDBSB LFTFMVSVIBO ZBOH NFMJQVUJ bjb Quickcash, remittance covering bjb Quickcash, Western Union
Western Union dan Transfer Valas. BOE'PSFJHO$VSSFODZ5SBOTGFST
4. Memperluas jaringan pemasaran melalui kerja sama 4. Expand the network of marketing in collaboration with
dengan instansi pemerintah maupun lembaga swasta government agencies and private institutions related
ZBOHUFSLBJUEFOHBOLFUFOBHBLFSKBBO UPFNQMPZNFOU
5. Penambahan sub-agen di dalam negeri untuk 5IFBEEJUJPOPGTVCBHFOUTJOUIFDPVOUSZUPBSNbjb
LFQBOKBOHBOUBOHBOMBZBOBObjb remittance. remittance services.

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
TINJAUAN
KEUANGAN
FINANCIAL REVIEW
“Tahun 2014 merupakan tahun yang penuh tantangan

bagi perbankan termasuk bank bjb mengingat adanya
ketidakpastian kondisi perekonomian global yang juga
berdampak pada perekonomian Indonesia.”
“2014 was a challenging year for the banking business, including
for bank bjb, given the uncertainty in global economic conditions
which also have an impact on the Indonesian economy.”

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
203
TINJAUAN INDUSTRI INDUSTRY REVIEW
PEREKONOMIAN INDONESIA TAHUN 2014 INDONESIAN ECONOMY IN 2014

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CBIBO CBIBO NBLBOBO BLJCBU HFKPMBL IBSHB LPNPEJUBT JOHSFEJFOUTEVFUPUIFWPMBUJMJUZPGDPNNPEJUZQSJDFTPGSJDFBOE
CFSBT EBO CBIBO QPLPL MBJOOZB ZBOH NBTJI UFSKBEJ IJOHHB PUIFSCBTJDDPNNPEJUJFTUIBUBSFTUJMMHPJOHPOVOUJMUIFFOEPG
QFOHIVKVOHUBIVO/BNVOEFNJLJBO JOnBTJTFQBOKBOHUBIVO UIFZFBS/FWFSUIFMFTT UISPVHIPVUJOnBUJPOXBTLFQUUP
UFUBQ UFSLFOEBMJ QBEB single digit EJUFOHBI UJOHHJOZB BTJOHMFEJHJUJOnBUJPOBNJEUIFIJHIQSFTTVSFPGBENJOJTUFSFE
UFLBOBOJOnBTJLFMPNQPLadministered pricesZBOHCFSTVNCFS QSJDFTTPVSDFEGSPNTVCTJEJ[FEGVFMQSJDFIJLF BEKVTUNFOUPG
EBSJLFOBJLBOIBSHB##.CFSTVCTJEJ QFOZFTVBJBOUBSJGUFOBHB FMFDUSJDJUZUBSJGGTGPSIPVTFIPMETBOEJOEVTUSZ LH-1(QSJDF
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5FSKBHBOZBJOnBTJJOUJNFOZFCBCLBOUFSKBHBOZBQFSLFNCBOHBO 5IF NBOBHFE DPSF JOnBUJPO MFE UP B NBOBHFE JOnBUJPO

JOnBTJ ZBOH TFEJLJU MFCJI CBJL EJCBOEJOHLBO EFOHBO HSPXUIJO XIJDIJTTMJHIUMZCFUUFSUIBOJOnBUJPOJO
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TFCFTBS CQT NFOKBEJ TFNFOUBSB TVLV CVOHB EFQPTJU GBDJMJUZ SBUFT SFNBJOFE BU FGGFDUJWF GSPN
deposit facilityUFUBQQBEBMFWFM CFSMBLVFGFLUJGTFKBL /PWFNCFS
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4FQBOKBOH 3VQJBI NFOHBMBNJ QFSHFSBLBO ZBOH 5ISPVHIPVU UIF 3VQJBI IBT B GBJSMZ TUFBEZ NPWFNFOU
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QBEB3QQFS%PMBS"NFSJLB BUBVIBOZBUFSEFQSFTJBTJ 64%PMMBS PSPOMZEFQSFDJBUFECZ.FBOXIJMF GPSFJHO
TFCFTBS 4FNFOUBSBJUV DBEBOHBOEFWJTBQBEBBLIJS FYDIBOHFSFTFSWFTBUUIFFOEPGTUPPEBU64%
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Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
TINJAUAN KEUANGAN
1FOBNCBIBO LBQJUBMJTBTJ QBTBS NFODBQBJ NFOKBEJ SFBDIFEUP64%CJMMJPOBTPG%FDFNCFS

64% NJMJBS TBNQBJ EFOHBO UBOHHBM %FTFNCFS DPNQBSFE UP UIF 64% CJMMJPO BU UIF FOE PG *O
EJCBOEJOHLBOQPTJTJ64% NJMJBSQBEBBLIJS 4PVUIFBTU"TJB UIFBDIJFWFNFOUPGUIF*)4(JTJOUIFSVOOFS
%J "TJB 5FOHHBSB return *)4( EJ QPTJTJ runner-up TFUFMBI VQ QPTJUJPO BGUFS UIF 1IJMJQQJOFT 14&*
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%BSJ SFHJPOBM "TJB QFODBQBJBO *)4( NBTVL FNQBU CFTBS JT JO UIF UPQ GPVS BGUFS UIF 4IBOHIBJ JOEFY XJUI B
TFUFMBI JOEFLT 4IBOHIBJ EFOHBO return JOEFLT SFUVSO #4&*OEJBJOEFYXJUI BOEUIF1IJMJQQJOFTXJUI
#4& *OEJB EBO 'JMJQJOB )BKBUBO QPMJUJL MJNB 1PMJUJDBM DFMFCSBUJPO XIJDI PDDVST FWFSZ mWF ZFBST
UBIVOBO ZBLOJQFNJMVUBLNFOZVSVULBONJOBUJOWFTUPS1BEB UIF HFOFSBM FMFDUJPO EJE OPU EBNQFO UIF JOWFTUPST JOUFSFTU
4FQUFNCFS *)4(NFOZFOUVIUJUJLUFSUJOHHJZBJUVQBEB 0O 4FQUFNCFS *)4( UPVDIFE UIF IJHIFTU QPJOU BU
MFWFM 1FNPEBM BTJOH EJ UBIVO NFNCVLVLBO MFWFMT'PSFJHOJOWFTUPSTJOSFDPSEFEBOFUCVZ
net buy 3Q USJMJVO 1BEB UBIVO LFUJLB *)4( NJOVT PG3QUSJMMJPO*O XIFOUIF*)4(XBTNJOVT
BTJOHNFODFUBLnet sell3Q USJMJVO GPSFJHOJOWFTUPSTSFDPSEFEBOFUTFMMPG3QUSJMMJPO
Kinerja Sektor Perbankan Tahun 2014 Performance of the Banking Sector in 2014
8BMBVQVOLPOEJTJQFSFLPOPNJBOZBOHUFOHBINFMBNCBUTFKBL %FTQJUF UIF TMPXJOH FDPOPNJD DPOEJUJPOT TJODF NJE
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NFOVOKVLLBO IBTJM ZBOH DVLVQ TPMJE 1FSUVNCVIBO LSFEJU TPMJE PVUDPNF -PBO HSPXUI JO UIF CBOLJOH TFDUPS VQ UP UP
TFLUPS QFSCBOLBO IJOHHB /PWFNCFS NBTJI NFODBQBJ /PWFNCFS TUJMM SFBDIFE BT XFMM BT UIJSE QBSUZ
EFNJLJBO KVHB EBOB QJIBL LFUJHB NBNQV UVNCVI GVOET XIJDI XBT BCMF UP HSPX VQ UP :P:
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EFOHBO UBIVO ZBOH NFODBUBU QFSUVNCVIBO LSFEJU DSFEJUHSPXUIPGPGBUUIFFOEPGUIFZFBS XIJMFUIJSE
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LFUJHB TFCFTBS OBNVO LJOFSKB JOJ NBTJI DVLVQ TUJMMRVJUFFODPVSBHJOH.PSFPWFS DSFEJUHSPXUIJTBMTPPGGTFU
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QBEB UBIVO NFOVOKVLBO USFO LFOBJLBO NFOKBEJ
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Informasi Keuangan Perusahaan Financial Information of the Company

5BIVO NFSVQBLBO UBIVO ZBOH QFOVI UBOUBOHBO CBHJ XBT B DIBMMFOHJOH ZFBS GPS UIF CBOLJOH CVTJOFTT
QFSCBOLBO UFSNBTVL CBOL bjb NFOHJOHBU BEBOZB JODMVEJOH GPS CBOL bjb HJWFO UIF VODFSUBJOUZ JO HMPCBM
LFUJEBLQBTUJBO LPOEJTJ QFSFLPOPNJBO HMPCBM ZBOH KVHB FDPOPNJD DPOEJUJPOT XIJDI BMTP IBWF BO JNQBDU PO UIF
CFSEBNQBLQBEBQFSFLPOPNJBO*OEPOFTJB *OEPOFTJBOFDPOPNZ

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
205
FINANCIAL REVIEW
'FOPNFOB QFSMBNCBUBO QFSUVNCVIBO FLPOPNJ JOnBTJ EBO 5IF TMPXJOH FDPOPNJD HSPXUI QIFOPNFOPO JOnBUJPO BOE
LFOBJLBO#*rateUFSTFCVUNFOZFCBCLBOTFNBLJONFOJOHLBUOZB UIF JODSFBTF JO #* SBUF BSF DBVTJOH BO JODSFBTF JO CBOLJOH
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CBOLbjbEJUBIVONBTJINFOHBMBNJQFSUVNCVIBO5PUBM PG CBOL bjb JO JT TUJMM FYQFSJFODJOH HSPXUI 5PUBM MPBOT
,SFEJUUVNCVI :P:NFOKBEJ3Q USJMJVOTFEBOHLBO HSFXCZ:P:UP3Q USJMMJPO XIJMFUIJSEQBSUZGVOET
%1,NFOHBMBNJQFSUVNCVIBOTFCFTBS :P:NFOKBEJ HSFX CZ :P: UP 3Q USJMMJPO /FU QSPmU SFBDIFE
3Q USJMJVO -BCB CFSTJI NFODBQBJ 3Q USJMJVO BUBV 3QUSJMMJPO PSBEFDSFBTFPG5IFGPMMPXJOHJTUIF
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EJCBOEJOHLBOEFOHBOUBSHFUQFSVTBIBBOEJ UBSHFUPGUIFDPNQBOZJO
Perbandingan Target dan Realisasi Kinerja Target vs Realization of bank bjb 2014
bank bjb 2014 Performance
Realisasi
Target
Realization Pencapaian
2014
No. Uraian 2014 Achievement Description
(Rp miliar/
(Rp miliar/ 2014
Rp billion)
Rp billion)
1FOEBQBUBO#VOHB *OUFSFTU*ODPNF
1FOEBQBUBO0QFSBTJPOBM4FMBJO#VOHB 0QFSBUJPOBM*ODPNF0UIFS5IBO*OUFSFTU
Total Pendapatan Operasional 8.035 9.501 118,25% Total Operational Income
#FCBO#VOHB *OUFSFTU&YQFOTFT
#FCBO6TBIBTFMBJO#FCBO#VOHB 0QFSBUJPOBM&YQFOTFT0UIFS5IBO*OUFSFTU
Total Beban Usaha 6.774 8.241 121,66% Total Operational Expenses
1FOEBQBUBO6TBIB#FSTJI /FU0QFSBUJPOBM*ODPNF
-BCB4FCFMVN1BKBL *ODPNF#FGPSF5BY
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Rasio-Rasio Keuangan (%) Financial Ratios (%)
30" 30"
30& 30&
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Kinerja bank bjb (konsolidasi 2010-2014) bjb bank performance (consolidated 2010-2014)
31 Desember/December 31
Uraian Description
2010 2011 2012 2013 2014
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1FOHIBTJMBO

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
TINJAUAN KEUANGAN
KINERJA UMUM 2014 GENERAL PERFORMANCE IN 2014

%FOHBO LPOEJTJ QFSCBOLBO ZBOH EJCBZBOHJ MJLVJEJUBT ZBOH 8JUI UIF CBOLJOH DPOEJUJPO UIBU JT PWFSTIBEPXFE CZ UJHIU
LFUBUCBOLbjbNFODBUBUQFOVSVOBOMBCBCFSTJIEJUBIVO MJRVJEJUZ CBOL bjb QPTUFE B OFU QSPmU EFDSFBTF JO CZ
TFCFTBS KJLBEJCBOEJOHLBOEFOHBOUBIVOTFCFMVNOZB DPNQBSFEXJUIUIFQSFWJPVTZFBS5IFOFUQSPmUPGCBOL
-BCBCFSTJICBOLbjbEJUBIVOZBJUVTFCFTBS3Q bjbJOXIJDIBNPVOUFEUP3Q USJMMJPO EFDSFBTFECZ
USJMJVOUVSVONJMJBSNFOKBEJ3Q USJMJVOEJUBIVO CJMMJPOUP3Q CJMMJPOJO5IJTEFDSFBTFXBTUIF
1FOVSVOBO JOJ NFSVQBLBO EBNQBL LFOBJLBO /1- EJ UBIVO JNQBDU PG UIF JODSFBTF JO /1- JO XIJDI JODSFBTFE CZ
EJNBOBNFOHBMBNJLFOBJLBOTFCFTBS
0QUJNBMJTBTJMJBCJMJUBTTFSUBQFOHFOEBMJBOLFHJBUBOPQFSBTJPOBM 0QUJNJ[BUJPOPGMJBCJMJUZBTXFMMBTFGGFDUJWFBOEFGmDJFOUDPOUSPM
ZBOHFGFLUJGEBOFmTJFO1FSUVNCVIBOBTFUCBOLbjbTFCFTBS PGPQFSBUJPOT"TTFUTHSPXUIPGCBOLbjbPGXBTESJWFO
EJEPSPOH PMFI QFOJOHLBUBO EBOB QJIBL LFUJHB CZBOJODSFBTFJOUIJSEQBSUZGVOETCZQBSUJDVMBSMZJO
UFSVUBNB HJSP TFCFTBS 4FMBJO JUV QFSUVNCVIBO BTFU TBWJOHTBDDPVOUCZ'VSUIFSNPSF CBOLbjbTBTTFUT
CBOLbjbEJEPSPOHPMFIQFOJOHLBUBOQJOKBNBOZBOHEJCFSJLBO HSPXUI XBT ESJWFO CZ BO JODSFBTF JO MPBOT XIJDI BNPVOUFE
TFCFTBS 1FOJOHLBUBO QJOKBNBO ZBOH EJCFSJLBO JOJ UP 5IF JODSFBTF JO MPBOT JT POF PG UIF DPNQBOZT
NFSVQBLBOTBMBITBUVTUSBUFHJQFSVTBIBBOEBMBNNFOHFMPMB TUSBUFHZJONBOBHJOHQSPEVDUJWFSFTVMUTBOEJODSFBTFUIFZJFME
IBTJM QSPEVLUJG EBO NFOJOHLBULBO JNCBM IBTJM ZBOH EJJSJOHJ XIJDI JT BDDPNQBOJFE CZ UIF HSPXUI PG UIF CVTJOFTT XIJDI
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UBIVO %FOHBO FLTQBOTJ CJTOJT ZBOH DVLVQ BHSFTJG EJ FYQBOTJPO JO CBOL bjb JT NBJOUBJOJOH UIF NJOJNVN
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1JIBL ,FUJHB IBM JOJ UFSDFSNJO EFOHBO LFOBJLBO %BOB 1JIBL GVOETCZPSJOUIFBNPVOUPGUSJMMJPO
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5PUBM "TFU 1FSTFSPBO QBEB UBIVO NFOHBMBNJ LFOBJLBO 5PUBMBTTFUTPGUIF$PNQBOZJOFYQFSJFODFTBOJODSFBTF
NFOKBEJ 3Q USJMJVO CJMB EJCBOEJOHLBO EFOHBO PGUP3QUSJMMJPO DPNQBSFEUPUIFBDIJFWFNFOUJO
QFODBQBJBOTFCFTBS3Q USJMJVO1FOJOHLBUBOBTFU PG 3Q USJMMJPO 5IF JODSFBTF JO BTTFUT XBT ESJWFO
UFSTFCVU TBMBI TBUVOZB EJEPSPOH PMFI LFOBJLBO EBOB QJIBL CZ UIF JODSFBTF JO UIJSE QBSUZ GVOET BNPVOUJOH UP
LFUJHBTFCFTBS EJBOUBSBOZBLFOBJLBOQFSTFOUBTFHJSP BNPOH PUIFST UIF QFSDFOUBHF JODSFBTF JO EFNBOE EFQPTJUT
TFCFTBS CZ
Liabilitas Liabilities
5PUBM -JBCJMUBT 1FSTFSPBO QBEB UBIVO NFOHBMBNJ 5PUBMMJBCJMJUJFTPGUIF$PNQBOZJOFYQFSJFODFEBOJODSFBTF
LFOBJLBO NFOKBEJ 3Q USJMJVO CJMB EJCBOEJOHLBO PGUP3QUSJMMJPO DPNQBSFEUPUIFBDIJFWFNFOUJO
EFOHBO QFODBQBJBO TFCFTBS 3Q USJMJVO PG3QUSJMMJPO5IFJODSFBTFEMJBCJMJUJFTXBTESJWFO
1FOJOHLBUBO MJBCJMUBT UFSTFCVU TBMBI TBUVOZB EJEPSPOH PMFI CZ UIF JODSFBTF JO UIJSE QBSUZ GVOET BNPVOUJOH UP
LFOBJLBO EBOB QJIBL LFUJHB TFCFTBS EJBOUBSBOZB BNPOH PUIFST UIF QFSDFOUBHF JODSFBTF JO EFNBOE EFQPTJUT
LFOBJLBOQFSTFOUBTFHJSPTFCFTBS CZ

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
207
FINANCIAL REVIEW
Aset Liabilitas
"TTFUT +6,87% -JBCJMJUJFT +4,91%
Rp Miliar Rp Miliar
3Q#JMMJPO 3Q#JMMJPO
75.797 63.885

2010 2011 2012 2013 2014 2010 2011 2012 2013 2014
Ekuitas Equity
&LVJUBT CBOL bjb EBO BOBL QFSVTBIBBO QBEB UBIVO 5IF FRVJUZ PG CBOL bjb BOE JUT TVCTJEJBSJFT JO JT JO UIF
BEBMBITFCFTBS3Q USJMJVO NFOJOHLBUTFCFTBS CJMB BNPVOUPG3QUSJMMJPO BOJODSFBTFPGDPNQBSFEUP
EJCBOEJOHLBO EFOHBO UBIVO TFCFTBS 3Q USJMJVO XIJDIBNPVOUFEUP3QUSJMMJPO5IJTJODSFBTFJTEVF
1FOJOHLBUBOJOJEJTFCBCLBOLBSFOBBEBOZBTBMEPMBCBEJUBIBO UPUIFSFUBJOFEFBSOJOHTXIJDIJODSFBTFECBOLbjbTSFTFSWFT
ZBOHNFOBNCBIKVNMBIDBEBOHBOCBOLbjb
Ekuitas
&RVJUZ +5,44%
Rp Miliar
3Q#JMMJPO
7.084

2010 2011 2012 2013 2014

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
TINJAUAN KEUANGAN
TINJAUAN LABA RUGI PROFIT LOSS REVIEW
Laba Bersih 1HW3URÀW

-BCB CFSTJI NFOVSVO TFCFTBS NFOKBEJ 3Q /FU QSPmU EFDSFBTFE CZ UP 3Q USJMMJPO JO
USJMJVO QBEB UBIVO EJCBOEJOHLBO UBIVO TFCFMVNOZB DPNQBSFE UP UIF QSFWJPVT ZFBS XIJDI BNPVOUFE UP 3Q
3Q USJMJVO1FOVSVOBO-BCB#FSTJICFSBTBMEBSJUVSVOOZB USJMMJPO5IFEFDSFBTFJO/FU1SPmUJTEFSJWFEGSPNUIFEFDMJOF
LVBMJUBTBTFUQBEBUBIVONFOKBEJ JOUIFRVBMJUZPGBTTFUTJOUP
#FSEBTBSLBOBOBMJTBLBNJCFCFSBQBIBMZBOHNFOZFCBCLBO #BTFE PO PVS BOBMZTJT TPNF PG UIF UIJOHT UIBU MFE UP UIF
QFOVSVOBOMBCBBEBMBITFCBHBJCFSJLVU EFDMJOFJOQSPmUTBSFBTGPMMPXT
t #FCBO CVOHB NFOHBMBNJ QFOJOHLBUBO TFCFTBS t *OUFSFTU FYQFOTF FYQFSJFODFE BO JODSFBTF PG
)BMJOJTFCBHBJEBNQBLCFCBOCVOHBZBOHDVLVQUJOHHJ 5IJTJTBTBSFTVMUPGIJHIJOUFSFTUJOUIF'JSTUBOE4FDPOE
QBEB 58 * EBO 58 ** %1, UFSVUBNB EFQPTJUP LPSQPSBTJ 2VBSUFS UIJSE QBSUZ GVOET NBJOMZ DPSQPSBUF EFQPTJUT
NFOHBMBNJ QFSUVNCVIBO ZBOH UJOHHJ UJEBL TFCBOEJOH FYQFSJFODFE IJHI HSPXUI XIJDI JT OPU DPNQBSBCMF UP
EFOHBO QFSUVNCVIBO LSFEJU TFIJOHHB CFSEBNQBL DSFEJUHSPXUI JNQBDUJOHPOUIFEFDMJOJOH/**BDIJFWFNFOU
UFSIBEBQ QFODBQBJBO /** ZBOH NFOVSVO 1BEB 58 ** *OUIF4FDPOE 5IJSE BOE'PVSUI2VBSUFS UIFJOTUJUVUJPOBM
*** EBO *7 EJWJTJ JOTUJUVTJPOBM CBOLJOH NFOHBUVS MBKV CBOLJOHEJWJTJPOSFHVMBUFTUIFHSPXUIPGUIJSEQBSUZGVOET
QFSUVNCVIBO%1,UJEBLUFSMBMVUJOHHJUFUBQJNFOZFTVBJLBO UP CF OPU UPP IJHI SBUIFS BEKVTUFE UP UIF DSFEJU HSPXUI
EFOHBOQFSUVNCVIBOLSFEJU EBNQBLOZBQBEB58*** /** XIJDIIBEBOJNQBDUPOUIF5IJSE2VBSUFS JOXIJDIUIF/**
NVMBJNFOHBMBNJQFOJOHLBUBO IBTTUBSUFEUPJODSFBTF
t &LTQBOTJ LSFEJU UVNCVI EJ CBXBI SBUBSBUB t $SFEJU FYQBOTJPO HSFX CZ CFMPX UIF JOEVTUSZ
JOEVTUSJ ZBOH UVNCVI UBIVO FLTQBOTJ BWFSBHFXIJDIHSFXCZ JOUIFFYQBOTJPO
LSFEJUTFCFTBS3Q USJMJVOTFEBOHLBOUBIVOIBOZB PGDSFEJUBNPVOUJOHUP3QUSJMMJPO XIFSFBTJOPOMZ
UVNCVI 3Q USJMJVO QFSUVNCVIBO JOJ QBMJOH SFOEBI HSFX3QUSJMMJPO UIJTJTUIFMPXFTUHSPXUIPWFSUIFMBTU
TFMBNB UBIVO UFSBLIJS EBO EBNQBLOZB QFOEBQBUBO ZFBSTBOEJNQBDUJOHPOUIFEFDSFBTFPGJOUFSFTUJODPNF
CVOHBNFOVSVO t %FUFSJPSBUJOHDSFEJURVBMJUZ UIFNPWFNFOUPGDPMMFDUJCJMJUZ
t ,VBMJUBTLSFEJUZBOHNFNCVSVL QFSHFSBLBOLPMFLUJCJMJUBT SPTFCZGSPN3QCJMMJPOJOUP3Q
OBJL EBSJQPTJTJ3QNJMJBSUBIVONFOKBEJ USJMMJPO JO XIJDI MFBET UP UIF $,1/ GPSNBUJPO PG
3Q USJMJVO QBEB UBIVO TFIJOHHB CFSEBNQBL 3Q CJMMJPO NPTUMZ BSF .JDSP DSFEJU $,1/ XIJDI
UFSIBEBQ QFNCFOUVLBO $,1/ TFCFTBS 3Q NJMJBS BNPVOUFE UP 3Q CJMMJPO 8IJMF UIF DPTU PG UIF
TFCBHJBOCFTBS$,1/LSFEJU.JLSPTFCFTBS3QNJMJBS $,1/JTJOUIFBNPVOUPG3QCJMMJPO
4FEBOHLBOCJBZB$,1/TFCFTBS3QNJMJBS
Laba Laba sebelum

Bersih -18,62% Beban Pajak -17,94%
/FU*ODPNF Penghasilan
Rp Juta *ODPNF#FGPSF5BY
3Q.JMMJPO
Rp Juta
3Q.JMMJPO

1.120.034 1.438.489

2010 2011 2012 2013 2014 2010 2011 2012 2013 2014

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
209
FINANCIAL REVIEW
Pendapatan Sebelum Pajak dan Pendapatan Bersih Income Before Tax and Net Income
1FOEBQBUBOTFCFMVNQBKBLNFOVSVOTFCFTBS NFOKBEJ *ODPNFCFGPSFUBYFTEFDSFBTFECZUP3Q USJMMJPO
3Q USJMJVOEJUBIVOEJCBOEJOHLBOQBEBUBIVO JODPNQBSFEUPXIJDIBNPVOUFEUP3Q CJMMJPO
TFCFTBS3Q USJMJVO ZBOHEJTFCBCLBOPMFIQFOVSVOBOMBCB XIJDIJTDBVTFECZBEFDSFBTFJOPQFSBUJOHQSPmUCZ
PQFSBTJPOBMTFCFTBS 1FOVSVOBOUFSTFCVUCFSEBNQBL 5IF EFDMJOF SFTVMUFE JO EFDSFBTJOH ZJFMET PO BTTFUT 30"

LFQBEBQFOVSVOBOJNCBMIBTJMBTFU 30"
NFOKBEJ EJ UP JO DPNQBSFE UP JO .FBOXIJMF
UBIVO EJCBOEJOHLBO QBEB UBIVO TFCFTBS JODPNF BGUFS UBY EFDSFBTFE CZ UP 3Q USJMMJPO JO
4FNFOUBSB JUV QFOEBQBUBO TFUFMBI QBKBL NFOVSVO TFCFTBS DPNQBSFEUPXIJDIBNPVOUFEUP3Q USJMMJPO
NFOKBEJ 3Q USJMJVO EJ UBIVO EJCBOEJOHLBO
QBEBUBIVOTFCFTBS3Q USJMJVO
Pendapatan Bunga Interest Income

1FOEBQBUBOCVOHBSFMBUJGTUBHOBOIBOZBOBJLTFCFTBS *OUFSFTUJODPNFXBTSFMBUJWFMZTUBHOBOU SJTJOHPOMZCZ
NFOKBEJ 3Q USJMJVO EJ UBIVO EJCBOEJOHLBO UBIVO UP3Q USJMMJPOJODPNQBSFEUP XIJDIBNPVOUFE
ZBOH TFCFTBS 3Q USJMJVO )BM UFSTFCVU TFKBMBO UP3Q USJMMJPO5IJTJTDPOTJTUFOUXJUIUIFEFDSFBTFJOOFU
EFOHBONFOVSVOOZBNBSKJOCVOHBCFSTJI /*.
TFCFTBS JOUFSFTUNBSHJO /*.
CZCQTUPJODPNQBSFE
CQTNFOKBEJ EJUBIVOEJCBOEJOHLBOUBIVO UPJO
ZBJUVTFCFTBS
Pendapatan Beban Bunga

Bunga dan +8,10% dan Bagi Hasil +29,23%
Syariah Syariah
*OUFSFTU*ODPNF 8.791.820 *OUFSFTU&YQFOTFT 4.330.222

BOE4IBSJB BOE4IBSJOH4IBSJB

Rp Juta
Rp Juta
3Q.JMMJPO
3Q.JMMJPO

2010 2011 2012 2013 2014 2010 2011 2012 2013 2014
Beban Bunga Interest Expense

#FCBOCVOHBNFOHBMBNJLFOBJLBOTFCFTBS NFOKBEJ *OUFSFTU FYQFOTF FYQFSJFODFE BO JODSFBTF CZ UP
TFCFTBS 3Q NJMJBS EJ UBIVO EJCBOEJOHLBO UBIVO 3Q CJMMJPOJODPNQBSFEUPXIJDIBNPVOUFEUP
TFCFTBS 3Q NJMJBS ,FOBJLBO JOJ CFSBTBM EBSJ cost 3Q CJMMJPO5IJTJODSFBTFEFSJWFEGSPNUIFDPTUPGGVOET
of fund ZBOH TFNVMB EJ UBIVO NFOKBEJ EJ GSPNPSJHJOBMMZJOUPJO
UBIVO
Pendapatan Bunga Bersih Net Interest Income

1FOVSVOBO QFOEBQBUBO CVOHB CFSTJI EJTFSUBJ EFOHBO 5IF EFDMJOF JO OFU JOUFSFTU JODPNF BDDPNQBOJFE CZ BO
QFOJOHLBUBOQBEBCFCBOCVOHB NFOHBMBNJQFOVSVOBOQBEB JODSFBTF JO JOUFSFTU FYQFOTF EFDSFBTFE UIF OFU JOUFSFTU
QFOEBQBUBO CVOHB CFSTJI TFCFTBS NFOKBEJ 3Q JODPNF CZ UP 3Q USJMMJPO JO DPNQBSFE UP
USJMJVOEJUBIVOEJCBOEJOHLBOUBIVOZBOHTFCFTBS XIJDIBNPVOUFEUP3Q USJMMJPO5IJTJTJOMJOFXJUI

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
TINJAUAN KEUANGAN
3Q USJMJVO )BM UFSTFCVU TFKBMBO EFOHBO NFOJOHLBUOZB UIFJODSFBTFJOOFUJOUFSFTUNBSHJO /*.
PGCQTUP
NBSKJO CVOHB CFSTJI /*.
TFCFTBS CQT NFOKBEJ JODPNQBSFEUPXIJDIBNPVOUFEUP
EJUBIVOEJCBOEJOHLBOUBIVOZBJUVTFCFTBS
Pendapatan Operasional Lainnya Other Operational Income

1FOEBQBUBO PQFSBTJPOBM MBJOOZB TFMBNB NFOJOHLBU 0UIFSPQFSBUJOHJODPNFEVSJOHJODSFBTFECZUP
TFCFTBS NFOKBEJ 3Q NJMJBS EJCBOEJOHLBO 3QCJMMJPODPNQBSFEUPXIJDIBNPVOUFEUP3Q
UBIVO TFCFTBS 3Q NJMJBS ZBOH EJTFCBCLBO PMFI CJMMJPOEVFUPJODSFBTFEUSBOTBDUJPOWJBBUNDBSEQBSUJDVMBSMZ
NFOJOHLBUOZB USBOTBLTJ NFMBMVJ LBSUV "5. UFSVUBNB fee EBSJ GSPN"5.GFFTXIJDIJODSFBTFECZUP3QCJMMJPOJO
"5.ZBOHNFOJOHLBUTFCFTBS NFOKBEJ3Q NJMJBSEJ DPNQBSFEUP3Q CJMMJPOJO
UBIVOEJCBOEJOHLBOUBIVOTFCFTBS3Q NJMJBS
Pendapatan Pendapatan
Bunga Bersih -6,70% Operasional +23,76%
/FU*OUFSFTU*ODPNF Lainnya
Rp Juta 0UIFST0QFSBUJPOBM 565.904
3Q.JMMJPO
*ODPNF
4.461.598 Rp Juta
3Q.JMMJPO

2010 2011 2012 2013 2014 2010 2011 2012 2013 2014
3Q+VUB
3Q.JMMJPO
Uraian Description
2010 2011 2012 2013 2014
1SPWJTJEBOLPNJTJTFMBJOEBSJLSFEJU
'FFTBOEDPNNJTTJPOTGSPNMPBOT
ZBOHEJCFSJLBO
1FOFSJNBBO,FNCBMJ"TFUZBOHUFMBI
3FDPWFSZGSPN"TTFUT8SJUUFO0GG
%JIBQVT#VLV
,FVOUVOHBOEBSJQFOKVBMBOTVSBU
*ODPNFGSPNTBMFTTFDVSJUJFT
CFSIBSHBZBOHEJQFSEBHBOHLBO
1FOEBQBUBOUSBOTBLTJWBMVUBBTJOH 'PSFJHOFYDIBOHF*ODPNF
-BJOMBJO 0UIFST
+VNMBI1FOEBQBUBO0QFSBTJPOBM
5PUBMPUIFSTPQFSBUJPOBMJODPNF
-BJOOZB
3Q+VUB] 3Q.JMMJPO
14-Jan 14-Feb 14-Mar 14-Apr 14-Mei 14-Jun Ju114 14-Agt 5ep 14 14-Okt 14-Nov 14-Des
1FOEBQBUBO,SFEJU
1FOEBQBUBO%1,
1FOEBQBUBO"5.
(BSBOTJ#BOL
,JSJSOBO6BOH
,VTUPEJBO 77
-$

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
211
FINANCIAL REVIEW
3Q+VUB] 3Q.JMMJPO
14-Jan 14-Feb 14-Mar 14-Apr 14-Mei 14-Jun Ju114 14-Agt 5ep 14 14-Okt 14-Nov 14-Des
1BZNFOU1PJOU
'FFEBO,PNJTJ
'JFLTBEBOB
8FTUFSO6OJPO
-BJOOZB
5PUBM'FF#BTFE*ODPNF
3BUJP'FF#BTFE
5PUBM1FOEBQBUBO0QFSBTJPOBM
3Q+VUB
Des 13 Des 14 YoY (e/o) 3Q.JMMJPO
1FOEBQBUBO,SFEJU 'FFDSFEJU
1FOEBQBUBO%1, 'FF%1,
1FOEBQBUBO"5. 'FF"5.
(BSBOTJ#BOL #BOL(VBSBOUFF
1FOEBQBUBOEBO,PNJTJ 'FFBOE$PNNJTTJPO
,JSJNBO6BOH 3FNJUUBODF
,VTUPEJBO $VTUPEZ
-$ -$
Payment Point 1BZNFOU1PJOU
3FLTBEBOB .VUVBM'VOET
8FTUFSO6OJPO 8FTUFSO6OJPO
-BJOOZB 0UIFS
Fee Based 'FF#BTFE
Beban Operasional Lainnya Other Operating Expenses

4FJSJOH EFOHBO QFSUVNCVIBO EBO QFSLFNCBOHBO WPMVNF *O MJOF XJUI UIF HSPXUI BOE EFWFMPQNFOU PG UIF CVTJOFTT
CJTOJT ZBOH EJMBLVLBO PMFI 1FSVTBIBBO CFCBO PQFSBTJPOBM WPMVNFDPOEVDUFECZUIF$PNQBOZ PUIFSPQFSBUJOHFYQFOTFT
MBJOOZB NFOHBMBNJ QFOJOHLBUBO TFCFTBS NFOKBEJ JODSFBTFE CZ UP 3Q USJMJVO JO DPNQBSFE UP
3Q USJMJVO EJ UBIVO EJCBOEJOHLBO UBIVO XIJDI BNPVOUFE UP 3Q USJMMJPO 5IJT JODSFBTF JT
TFCFTBS 3Q USJMJVO 1FOJOHLBUBO UFSTFCVU CFSBTBM EBSJ EFSJWFEGSPNMBCPSDPTUXIJDIJODSFBTFECZUP3Q
CFCBOUFOBHBLFSKBZBOHNFOJOHLBUTFCFTBS NFOKBEJ CJMMJPODPNQBSFEUPXIJDIBNPVOUFEUP3Q CJMMJPO
3Q NJMJBS EJCBOEJOHLBO UBIVO TFCFTBS 3Q JOMJOFXJUIUIFJODSFBTFJOUIFOVNCFSPGFNQMPZFFTJOUP
NJMJBS TFKBMBO EFOHBO CFSUBNCBIOZB KVNMBI QFHBXBJ QFSNBOFOUFNQMPZFFTXIJMFUIFOVNCFSPGFNQMPZFFTJO
NFOKBEJ LBSZBXBO UFUBQ TFEBOHLBO QBEB UBIVO XBT
TFKVNMBILBSZBXBO
3BTJP CJBZB UFSIBEBQ QFOEBQBUBO #010

NFOHBMBNJ &YQFOTFUPJODPNF 30"
SBUJPJODSFBTFEUPJO
LFOBJLBO NFOKBEJ EJUBIVO TFEBOHLBO QBEB XIJMF JO BNPVOUFE UP BT OFUXPSL FYQBOTJPO
UBIVOTFCFTBS TFCBHBJFLTQBOTJKBSJOHBOEBO BOE SFDSVJUNFOU PG CBOL bjb FNQMPZFFT IPXFWFS CBOL bjb
QFSFLSVUBO LBSZBXBO CBOL bjb OBNVO EFNJLJBO CBOL bjb NBOBHFEUPJNQSPWFFGmDJFODZ UIVTUIFJODSFBTFJO30"XBT
CFSIBTJM NFMBLVLBO FmTJFOTJ TFIJOHHB LFOBJLBO #010 UJEBL OPUUPPMBSHF
UFSMBMVCFTBS

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
TINJAUAN KEUANGAN
4BNQBJ %FTFNCFS CBOL bjb NFNJMJLJ ,BOUPS 6QUP%FDFNCFS CBOLbjbIBTCSBODIPGmDFT
$BCBOH ,BOUPS$BCBOH1FNCBOUV ,BOUPS,BT 4VC#SBODI 0GmDFT $BTI 0GmDFT 1BZNFOU 1PJOUT
Payment Point NPCJMLBTEBO"5. DBTIDBSTBOE "5.T
CBOL bjb UFMBI NFNJMJLJ OBTBCBI TJNQBOBO TFCBOZBL CBOLbjbIBTBUPUBMPG EFQPTJUDVTUPNFSTDPNQSJTJOH
QJIBLZBOHUFSEJSJEBSJ OBTBCBISJUFM PG PG SFUBJM DVTUPNFST DPSQPSBUF DVTUPNFST
OBTBCBILPSQPSBTJ OBTBCBIQFNFSJOUBIEBOOBTBCBI HPWFSONFOUDVTUPNFSTBOEJOTUJUVUJPOBMDMJFOUT
JOTUJUVTJPOBM TFCFTBS 4FMBJO JUV CBOL bjb KVHB UFMBI *O BEEJUJPO CBOL bjb BMTP IBT EJTUSJCVUFE MPBOT
NFOZBMVSLBOQJOKBNBOOZBLFQBEBEFCJUVSEJTFMVSVI UP EFCUPST JO BMM PQFSBUJPOBM BSFBT PG CBOL bjb DPOTJTUJOH PG
EBFSBIPQFSBTJPOBMCBOLbjbZBOHUFSEJSJEBSJ EFCJUVS DPOTVNFS CPSSPXFST DPNNFSDJBM CPSSPXFST
LSFEJU LPOTVNFS EFCJUVS LSFEJU LPNFSTJBM NPSUHBHF CPSSPXFST BOE NJDSPDSFEJU
EFCJUVSLSFEJU,13EBOTFCFTBS EFCJUVSLSFEJUNJLSP CPSSPXFST
3Q+VUB
3Q.JMMJPO
Uraian Description
2010 2011 2012 2013 2014
#FCBO0QFSBTJPOBM-BJOOZB 0UIFS0QFSBUJOH&YQFOTFT
#FCBO5FOBHBLFSKBEBOUVOKBOHBO -BCPVS$IBSHFST4VCTJEZ
#FCBO6NVNEBOBENJOJTUSBTJ (FOFSBM"ENJOJTUSBUJWF&YQFOTFT
1FOZJTJIBO 1FNCBMJLBO
,FSVHJBO1FOVSVOBO "MMPXBODFGPS-PTTFTPO%FDSFBTFJO7BMVFPG

/JMBJ"UBT"TFU,FVBOHBO%BO/PO,FVBOHBO 'JOBODJBM"TTFU
,FSVHJBOZBOH#FMVN%JSFBMJTBTJLBO"UBT
6OSFBMJ[FE-PTTFTUP%FDSFBTFUIF7BMVFPG
1FOVSVOBO/JMBJ8BKBS4VSBU#FSIBSHBZBOH
'BJS5SBEJOH4FDVSJUJFT
%JQFSEBHBOHLBO
,FSVHJBOEBSJ1FOKVBMBO4VSBU#FSIBSHBZBOH -PTTPOTBMFPG)FMEGPS5SBEJOH.BSLFUBCMF

%JQFSEBHBOHLBO 4FDVSJUJFT
1FOZJTJIBO,FSVHJBO1FOVSVOBO/JMBJBUBT "MMPXBODF'PS-PTTFTPO%FDSFBTF*O5IF

,PNJUNFOEBO,POUJOKFOTJ 7BMVFPG$PNNJUNFOUBOE$POUJOHFODZ
#FCBO-BJOOZB 0UIFS&YQFOTFT

+VNMBI#FCBO0QFSBTJPOBM-BJOOZB 5PUBM0UIFS0QFSBUJPOBM&YQFOTFT
Beban Kredit yang

Operasional +3,56% diberikan +10,46%
Lainnya %JTCVSTFE-PBOT
Rp Juta
0UIFST0QFSBUJPOBM
3.611.668
3Q.JMMJPO
54.017.114
*ODPNF
Rp Juta
3Q.JMMJPO

2010 2011 2012 2013 2014 2010 2011 2012 2013 2014

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
213
FINANCIAL REVIEW
TINJAUAN ASET ASSETS REVIEW
Kredit yang Diberikan Loans

5PUBM LSFEJU NFOHBMBNJ QFSUVNCVIBO TFCFTBS 5PUBM MPBO HSFX CZ DPNQBSFE UP XIJDI
EJCBOEJOHLBO UBIVO TFCFTBS 3Q NJMJBS NFOKBEJ BNPVOUFE UP 3Q CJMMJPO UP 3Q CJMMJPO JO
TFCFTBS 3Q NJMJBS EJ UBIVO %BSJ TJTJ TVLV -FOEJOH JOUFSFTU SBUFT /*.
FYQFSJFODFE B EFDSFBTF CZ
CVOHB LSFEJU /*.
NFOHBMBNJ QFOVSVOBO TFCFTBS UPJODPNQBSFEUPXIJDIBNPVOUFE
NFOKBEJ EJ UBIVO EJCBOEJOHLBO UBIVO UP0OFPGUIFTVQQPSUJOHGBDUPSPGUIFJODSFBTFJOMPBOT
TFCFTBS 1FOJOHLBUBOLSFEJUTBMBITBUVOZBEJEVLVOH JTUIFHSPXUIJODPOTVNFSMPBOTCZXIJDIBNPVOUFE
PMFI QFSUVNCVIBO LSFEJU LPOTVNFS TFCFTBS TFOJMBJ UP 3Q CJMMJPO DPNQBSFE UP XIJDI BNPVOUFE UP
3Q NJMJBS EJCBOEJOHLBO UBIVO TFOJMBJ 3Q 3Q CJMMJPO$POTVNFSMPBOBTPOFPGUIFQSPEVDUTUIBU
NJMJBS ,SFEJU LPOTVNFO TFCBHBJ TBMBI TBUV QSPEVL ZBOH DBOTVQQPSUDSFEJUHSPXUIJOCBOLbjb JOXIJDI,(#QSPEVDUT
EBQBUNFOPQBOHQFSUVNCVIBOLSFEJUCBOLbjb ZBOHEJNBOB IBWFWFSZJNQPSUBOUSPMF UIJTJTCFDBVTFUIFTFQSPEVDUTBSF
QSPEVL ,(# NFNJMJLJ QFSBOBO ZBOH TBOHBU QFOUJOH IBM JOJ EJSFDUMZSFMBUFEUPUIFDPSFCVTJOFTTPGUIFCBOL,(#QSPEVDUT
EJLBSFOBLBO QSPEVL JOJ CFSLBJUBO MBOHTVOH EFOHBO core JODSFBTFECZGSPN3QCJMMJPOJOUP3Q
business bank 1SPEVL ,(# NFOHBMBNJ LFOBJLBO EBSJ USJMMJPO JO *O BEEJUJPO ,SFEJU 1VSOB #IBLUJ PS 1FOTJPO
3Q USJMJVO EJ UBIVO NFOKBEJ 3Q USJMJVO EJ -PBO BMTP FYQFSJFODFE B TJHOJmDBOU JODSFBTF CZ GSPN
UBIVO 4FMBJO JUV ZBOH NFOHBMBNJ LFOBJLBO TBOHBU 3QCJMMJPOUP3QUSJMMJPO
TJHOJmLBO BEBMBI QSPEVL ,SFEJU 1VSOB #IBLUJ BUBV ,SFEJU
1FOTJVO TFCFTBS EBSJ 3Q NJMJBS NFOKBEJ 3Q
USJMJVO
Total Penyaluran Kredit (Rp Juta) (Rp Million) Total Loan Disbursement
Uraian Description
2010 2011 2012 2013 2014
,SFEJUZBOHEJCFSJLBOo(SPTT -PBOT
%JLVSBOHJQFOZJTJIBOLFSVHJBO

"MMPXBODF-PTTFT
,SFEJUZBOHEJCFSJLBOo#FSTJI /FU-PBOT
Penyaluran Kredit Berdasarkan Segmen (Rp Miliar) (Rp Billion) Loan Disbursement by Segment
Uraian - Bank only (dalam miliar) Description - Bank only
2011 2012 2013 2014 (in billion)
,POTVNFS $POTVNFS

.JLSP .JDSP
,PNFSTJBM $PNNFSDJBM
,13 .PSUHBHF
5PUBMLSFEJU(SPTT 5PUBM(SPTT-PBOT
Penyaluran Kredit Berdasarkan Jenis Penggunaan Kredit (Rp Juta) (Rp Million) Loan Disbursement by Types of Loan
Uraian Description
2010 2011 2012 2013 2014
.PEBM,FSKB 8PSLJOH$BQJUBM
*OWFTUBTJ *OWFTUNFOU
4JOEJLBTJ 4ZOEJDBUFE
,POTVNTJ $POTVNQUJPO
,BSZBXBO &NQMPZFF
1SPHSBN1FNFSJOUBI (PWFSONFOU1SPHSBN
+VNMBI 5PUBM
1FOZJTJIBO,FSVHJBO

-PTT1SPWJTJPO
+VNMBI,SFEJUZBOHEJCFSJLBOoCFSTJI 5PUBM-PBO%JTCVSTFNFOUoOFU

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
TINJAUAN KEUANGAN
Penyaluran Kredit Berdasarkan Skala Usaha (Rp Juta) (Rp Million) Loan Disbursement by Business Size
Uraian - Bank only Description - Bank only
2014
6.,. .4.&
6TBIB.JLSP .JDSP#VTJOFTT
6TBIB,FDJM 4NBMM#VTJOFTT
6TBIB.FOFOHBI .FEJVN#VTJOFTT
5PUBM6.,. 5PUBM.4.&
1SPQPSTJ6.,. 1SPQPSUJPOPG.4.&
6TBIB#FTBS -BSHF#VTJOFTT
1SPQPSTJ6TBIB#FTBS 1SPQPSUJPOPG-BSHF#VTJOFTT
5PUBMLSFEJUZBOHEJCFSJLBO(SPTT 5PUBM-PBO%JTCVSTFNFOU(SPTT
Penyaluran Dana Persektor Distribution of Funds by sector

Konsumer Consumer
Indikator Utama FY13 FY14 ¨<R< Main Indicator
0VUTUBOEJOH 3QNJMJBS
33.579 3QCJMMJPO
0VUTUBOEJOH
&LTQBOTJ/FUP 3QNJMJBS
3BUBSBUB 4.722 /FUU&YQBOTJPO 3QCJMMJPO
"WFSBHF
0VUTUBOEJOHQFS%FCJUVS 3QKVUB
96 0VUTUBOEJOHQFS%FCUPS 3QNJMMJPO
+VNMBI%FCJUVS 350.446 /VNCFSPG%FCUPS

5JOHLBU4VLV#VOHB 18.45% FGG1B *OUFSFTU3BUF
Kualitas Kredit (%) FY13 FY14 ¨<R< (%) Credit Quality

%BMBN1FSIBUJBO,IVTVT 0,16 4QFDJBM.FOUJPO
/1- 0,08 /1-
Kredit Mikro Micro Loan

4.505 3QCJMMJPO
0VUTUBOEJOH
3BUBSBUB -848 /FUU&YQBOTJPO 3QCJMMJPO
"WFSBHF

5JOHLBU4VLVCVOHB -27.0% FGG1B *OUFSFTU3BUF
Kualitas Kredit FY13 FY14 ¨<R< Credit Quality

/1- 22,7 /1-
Kredit Komersial Commercial Loan

Indikator Utama (%) FY13 FY14 ¨<R< (%) Main Indicator
6.850 3QCJMMJPO
0VUTUBOEJOH
3BUBSBUB 139 /FUU&YQBOTJPO 3QCJMMJPO
"WFSBHF
1.044 0VUTUBOEJOHQFS%FCUPS 3QNJMMJPO

5JOHLBU4VLVCVOHB -12% FGG1B *OUFSFTU3BUF

/1- 11,3 /1-

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
215
FINANCIAL REVIEW
Kredit Pemilikan Rumah (KPR) Housing Loan

4.444 3QCJMMJPO
0VUTUBOEJOH
3BUBSBUB 533 /FUU&YQBOTJPO 3QCJMMJPO
"WFSBHF

5JOHLBU4VLVCVOHB % -13.7 FGG1B *OUFSFTU3BUF

/1- 5,1 /1-
Kredit Berdasarkan Sektor Ekonomi Loan Based on Economic Sector

#FSEBTBSLBOTFLUPSFLPOPNJ LPOUSJCVTJUFSCFTBSNBTJICFSBTBM #BTFE PO UIF FDPOPNJD TFDUPS UIF MBSHFTU DPOUSJCVUJPO TUJMM
EBSJ TFLUPS QFSEBHBOHBO KBTBKBTB EVOJB VTBIB LPOTUSVLTJ DPNFT GSPN USBEF CVTJOFTT TFSWJDFT DPOTUSVDUJPO JOEVTUSZ
JOEVTUSJ EBO QFSUBOJBO 4FLUPS QFSEBHBOHBO CFSLPOUSJCVTJ BOEBHSJDVMUVSF5SBEFTFDUPSBDDPVOUFEGPSDPNQBSFEUP
TFCFTBS EJCBOEJOHLBO UBIVO TFCFTBS XIJDIBNPVOUFEUP CVTJOFTTTFSWJDFTCZ
KBTBKBTBEVOJBVTBIBTFCFTBS EJCBOEJOHLBOUBIVO DPNQBSFE UP XIJDI BNPVOUFE UP DPOTUSVDUJPO
TFCFTBS LPOTUSVLTJ TFCFTBS EJCBOEJOHLBO UBIVO CZ DPNQBSFE UP XIJDI BNPVOUFE UP BOE
TFCFTBS EBO *OEVTUSJ TFCFTBS EJCBOEJOHLBO *OEVTUSZCZDPNQBSFEUPXIJDIBNPVOUFEUP
UBIVO TFCFTBS QFSUBOJBO TFCFTBS BHSJDVMUVSF CZ DPNQBSFE UP XIJDI BNPVOUFE UP
EJCBOEJOHLBOUBIVOTFCFTBS EBOMBJOMBJOTFCFTBS BOEPUIFSTBU

,SFEJU#FSEBTBSLBO4FLUPS&LPOPNJ
-PBO#BTFEPOUIF&DPOPNJD4FDUPS
1FSUBOJBO 1FSEBHBOHBO

"HSJDVMUVSF 5SBEF

1FSUBNCBOHBO 1FOHBOHLVUBOEBO1FSHVEBOHBO
.JOJOH 5SBOTQPSUBUJPOBOE8BSFIPVTF
*OEVTUSJ +BTBKBTBEVOJBVTBIB
*OEVTUSZ #VTJOFTT4FSWJDF
74,36% -JTUSJL (BTEBO"JS +BTBKBTBTPTJBM
&MFDUSJD (BTBOE8BUFS 4PDJBM4FSWJDF
,POTUSVLTJ -BJOMBJO
$POTUSVDUJPO 0UIFST
Uraian (Rp Juta) (Rp Million) Description
2010 2011 2012 2013 2014
1FSUBOJBO "HSJDVMUVSF
1FSUBNCBOHBO .JOJOH
*OEVTUSJ *OEVTUSZ
-JTUSJL HBTEBOBJS &MFDUSJD (BTBOE8BUFS
,POTUSVLTJ $POTUSVDUJPO
1FSEBHBOHBO 5SBEF
1FOHBOHLVUBOEBO1FSHVEBOHBO 5SBOTQPSUBUJPOBOE8BSFIPVTF
+BTBKBTBEVOJBVTBIB #VTJOFTT4FSWJDF
+BTBKBTBTPTJBM 4PDJBM4FSWJDF
-BJOMBJO 0UIFST
+VNMBI 5PUBM
1FOZJTJIBO,FSVHJBO

1SPWJTJPOJOH
+VNMBILSFEJUZBOHEJCFSJLBOo(SPTT 5PUBM-PBOT

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
TINJAUAN KEUANGAN
Kredit Bermasalah Non Performing Loan

5PUBM LSFEJU CFSNBTBMBI Non-Performing Loan BUBV /1- 5PUBM /PO1FSGPSNJOH -PBO /1-(SPTT
XBT NBJOUBJOFE JO
Gross
UFSLFOEBMJEJLJTBSBOTFCFTBS3Q USJMJVOEJUBIVO UIF 3Q USJMMJPO SBOHF JO DPNQBSFE UP XIJDI
EJCBOEJOHLBO UBIVO TFCFTBS 3Q USJMJVO BNPVOUFE UP 3Q USJMMJPO 5IVT JG WJFXFE GSPN UIF /1-
4FIJOHHBCJMBEJUJOKBVEBSJSBTJP/1-UFSIBEBQUPUBMLSFEJUZBOH SBUJP UP UPUBM MPBOT UIF RVBMJUZ SBUJP PG OPOQFSGPSNJOH MPBO
EJTBMVSLBO SBTJP LVBMJUBT LSFEJU CFSNBTBMBI NFOJOHLBU ZBOH JODSFBTFE XIJDIJTPOFPGUIFHMPCBMBOEOBUJPOBMFDPOPNJD
NFSVQBLBOTBMBITBUVEBNQBLFLPOPNJHMPCBMEBOOBTJPOBM JNQBDUUISPVHIPVUBTJOEJDBUFECZUIFHSPTT/1-SBUJPPG
TFQBOKBOH TFCBHBJNBOB EJUVOKVLLBO PMFI SBTJP /1- JODPNQBSFEUPXIJDIBNPVOUFEUP
CSVUPTFCFTBS EJUBIVOEJCBOEJOHLBOUBIVO UP SFTPMWF UIJT JTTVF UIF DPNQBOZ TFFLT UP JNQSPWF UIF
TFCFTBS VOUVL NFNQFSCBJLJ IBM UFSTFCVU 1FSTFSPBO GVODUJPOPGCJMMJOH DSFEJUSFTUSVDUVSJOH BTXFMMBTDPOEVDUJOH
CFSVQBZB NFOJOHLBULBO GVOHTJ QFOBHJIBO NFMBLVLBO TBMFTPODPMMBUFSBM
SFTUSVLUVSJTBTJLSFEJU TFSUBNFMBLVLBOQFOKVBMBOBHVOBO
Uraian 2013 2014 GROWTH Description
,POTVNFS 0,08% $POTVNFS
.JLSP 22,7% .JDSP
,PNFSTJBM 11,3% $PNNFSDJBM
,13 5,1% )PVTJOH-PBO
Total 2,8% 4,1% 1,3% Total
Kredit Bermasalah Kredit Bermasalah

/PO1FSGPSNJOH-PBO /PO1FSGPSNJOH-PBO

,POTVNFS ,POTVNFS
$POTVNFS $POTVNFS

.JLSP .JLSP
2013 .JDSP 2014 .JDSP
,PNFSTJBM ,PNFSTJBM

$PNNFSDJBM $PNNFSDJBM
,13 ,13
)PVTJOH-PBO
)PVTJOH-PBO
2010 2011 2012 2013 2014
-BODBS $VSSFOU
%BMBNQFSIBUJBOLIVTVT 4QFDJBMNFOUJPO

,VSBOHMBODBS 4VCTUBOEBSE
%JSBHVLBO %PVCUGVM
.BDFU -PTT
+VNMBILSFEJUZBOHEJCFSJLBOo(SPTT -PBOTo(SPTT
1FOZJTJIBO,FSVHJBO

"MMPXBODF'PS-PTTFT
+VNMBILSFEJUZBOHEJCFSJLBOo#FSTJI -PBOTo/FUUP
2010*) 2011**) 2012**) 2013 2014*)
/1-(SPTT 3Q+VUB
3Q.JMMJPO
/1-(SPTT
3BTJP/1-(SPTT 3BTJP/1-(SPTT
/1-/FUUP 3Q+VUB
3Q.JMMJPO
/1-/FUUP

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
217
FINANCIAL REVIEW
2010*) 2011**) 2012**) 2013 2014*)
3BTJP/1-/FUUP 3Q+VUB
3Q.JMMJPO
3BTJP/1-/FUUP
+VNMBILSFEJUZBOHEJCFSJLBOo(SPTT -PBOT(SPTT
$BUBUBO /PUF

1FSIJUVOHBOSBTJP/1-VOUVL%FTFNCFS NFOHBDVQBEB4&#*
/1-SBUJPDBMDVMBUJPOGPS%FDFNCFS BOE SFGFSTUP4&
/PNPS%1/1UBOHHBM.BSFUZBOHNBOBLSFEJULFQBEBCBOLMBJO #* /P %1/1 EBUFE .BSDI JO XIJDI MPBOT UP PUIFS
CVLBONFSVQBLBOLPNQPOFOSBTJP/1-VOUVL%FTFNCFS CBOLT BSF OPU B DPNQPOFOU JO UIF DBMDVMBUJPO PG /1- SBUJP 'PS
QFSIJUVOHBOSBTJP/1-NFOHBDVQBEB4&#*/PNPS%1/1UBOHHBM %FTFNCFS BOE /1-SBUJPDBMDVMBUJPOSFGFST
.BSFUZBOHNBOBLSFEJULFQBEBCBOLMBJONFSVQBLBOLPNQPOFOQBEB UP4&#*/P%1/1EBUFE.BSDI JOXIJDIMPBOTUP
QFSIJUVOHBOSBTJP/1- PUIFSCBOLTDPOTUJUVUFBDPNQPOFOUPGUIFDBMDVMBUJPOPG/1-SBUJP
Penyisihan Cadangan Kerugian Penurunan Nilai Allowance of Impairment Losses Reserve (CKPN)
(CKPN)
$BEBOHBO LFSVHJBO QFOVSVOBO OJMBJ QBEB CVMBO %FTFNCFS "MMPXBODFGPSJNQBJSNFOUMPTTFTJO%FDFNCFSBNPVOUFE
BEBMBI TFCFTBS 3Q USJMJVO BUBV OBJL TFCFTBS UP3QUSJMMJPO BOJODSFBTFPGDPNQBSFEUP
EJCBOEJOHLBO UBIVO TFCFTBS 3Q USJMJVO XIJDIBNPVOUFEUP3QUSJMMJPO5IFJODSFBTFJOBMMPXBODF
1FOJOHLBUBO DBEBOHBO LFSVHJBO QFOVSVOBO OJMBJ JOJ UFSKBEJ GPSJNQBJSNFOUMPTTFTPDDVSSFEEVFUPTFWFSBMUIJOHT OBNFMZ
EJLBSFOBLBO CFCFSBQB IBM ZBJUV QFNCFOUVLBO QFOZJTJIBO UIFBMMPXBODFGPSMPTTFTJOXIJDIBNPVOUFEUP3Q
LFSVHJBO TFCFTBS 3Q USJMJVO 1FOJOHLBUBO $,1/ USJMMJPO 5IF JODSFBTF JO $,1/ JT NBJOMZ EVF UP UIF HSPXUI PG
JOJ UFSVUBNB EJTFCBCLBO PMFI QFSUVNCVIBO QPSUPGPMJP LSFEJU UIFMPBOQPSUGPMJPCZUP3QUSJMMJPOJO XIJMF
TFCFTBS NFOKBEJ 3Q USJMJVO EJ UBIVO JO JU BNPVOUFE UP 3Q CJMMJPO JO XIJDI UIF $,1/
TFEBOHLBOQBEBUBIVOTFCFTBS3Q USJMJVO EJNBOB DBMDVMBUJPOT BSF DPOTJTUFOU BOE CBTFE PO UIF BQQMJDBUJPO PG
QFSIJUVOHBO$,1/UFMBITFKBMBOEBOCFSEBTBSLBOQFOFSBQBO 4'"4 SFWJTJPO
BOE4'"4 SFWJTJPO

14", SFWJTJ
EBO14", SFWJTJ

Kredit yang Mengalami Penurunan Nilai Loans Experiencing Impairment Losses

+VNMBI ,SFEJU ZBOH .FOHBMBNJ 1FOVSVOBO /JMBJ CVMBO 5PUBM -PBOT &YQFSJFODJOH *NQBJSNFOU -PTTFT JO %FDFNCFS
%FTFNCFS BEBMBI TFCFTBS 3Q USJMJVO BUBV BNPVOUFE UP 3Q CJMMJPO PS BO JODSFBTF PG
NFOJOHLBU TFCFTBS EJCBOEJOHLBO UBIVO TFCFMVNOZB DPNQBSFEUPUIFQSFWJPVTZFBSJOUIFBNPVOUPG3Q
TFCFTBS 3Q USJMJVO 1FOJOHLBUBO DBEBOHBO CJMMJPO5IFJODSFBTFJOBMMPXBODFGPSJNQBJSNFOUMPTTFTIBWF
LFSVHJBO QFOVSVOBO OJMBJ JOJ UFSKBEJ EJLBSFOBLBO CFCFSBQB PDDVSSFE EVF UP TFWFSBM UIJOHT OBNFMZ UIF BMMPXBODF GPS
IBM ZBJUV QFNCFOUVLBO QFOZJTJIBO LFSVHJBO TFCFTBS MPTTFTJOXIJDIBNPVOUFEUP3QUSJMMJPO
3Q USJMJVO
TINJAUAN LIABILITAS LIABILITIES REVIEW
Dana Pihak Ketiga Third Party Funds

1FSVTBIBBO NFODBUBU UPUBM EBOB OBTBCBI TFCFTBS 3Q 5IF $PNQBOZ SFDPSEFE UPUBM DVTUPNFS GVOET PG 3Q
USJMJVO"UBVNFOJOHLBUTFCFTBS EBSJUBIVOTFCFTBS USJMMJPO0SBOJODSFBTFPGGSPNXIJDIBNPVOUFE
3Q USJMJVO "EBQVO LPNQPTJTJ EBOB OBTBCBI BEBMBI UP 3Q CJMMJPO 5IF DPNQPTJUJPO PG DVTUPNFS GVOET JT
EBMBN CFOUVL HJSP EBMBN CFOUVL UBCVOHBO JO UIF GPSN PG EFNBOE EFQPTJUT JO TBWJOHT
EBO EBMBN CFOUVL EFQPTJUP CFSKBOHLB 3BTJP %BOB BOEJOUJNFEFQPTJUT$"4"SBUJPJODSFBTFECZ
.VSBI $"4"
NFOJOHLBU TFCFTBS NFOKBEJ 3Q UP 3Q CJMMJPO DPNQBSFE UP XIJDI BNPVOUFE UP
USJMJVO EJCBOEJOHLBO UBIVO TFCFTBS 3Q USJMJVO 3Q CJMMJPO EVF UP UIF JODSFBTF JO EFNBOE EFQPTJUT
EJTFCBCLBOPMFILFOBJLBOHJSPEBOUBCVOHBONBTJOHNBTJOH BOETBWJOHTCZBOESFTQFDUJWFMZDPNQBSFEUP
TFCFTBS EBO EJCBOEJOH UBIVO TFCFMVNOZB UIFQSFWJPVTZFBSUP3QUSJMMJPOBOE3QUSJMMJPOJO
NFOKBEJ 3Q USJMJVO EBO 3Q USJMJVO EJ UBIVO DPNQBSFEUPXIJDIBNPVOUFEUP3QUSJMMJPO
EJCBOEJOHLBO UBIVO TFCFTBS 3Q USJMJVO VOUVL GPSEFNBOEEFQPTJUTBOE3QUSJMMJPOGPSTBWJOHT XIJDI

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
TINJAUAN KEUANGAN
HJSP EBO 3Q USJMJVO VOUVL UBCVOHBO KVHB NFNCFSJLBO BMTP DPOUSJCVUFE UP UIF HSPXUI JO UPUBM DVTUPNFS GVOET 8JUI
LPOUSJCVTJ EBMBN QFSUVNCVIBO UPUBM EBOB OBTBCBI %FOHBO UIF EFDSFBTF JO UJNF EFQPTJUT DPNQBSFE UP UIF JODSFBTF JO
QFOVSVOBO EFQPTJUP CFSKBOHLB CFSCBOEJOH LFOBJLBO EBOB MPXDPTUGVOET JO UIFSBUJPPGMPXDPTUGVOETXJUIUPUBM
NVSBI NBLB EJ UBIVO SBTJP QFSCBOEJOHBO BOUBSB DVTUPNFS GVOET BMTP JODSFBTFE 5IF JODSFBTF PG $"4" SBUJP
EBOB NVSBI EFOHBO UPUBM EBOB OBTBCBI +VHB NFOJOHLBU JT JO MJOF XJUI UIF DIBOHF JO UIF DFOUSBM HPWFSONFOU QPMJDZ
$"4" 3BUJP NFOJOHLBU TFJSJOH EFOHBO QFSVCBIBO LFCJKBLBO SFHBSEJOHMPDBMUBYFT JODMVEJOHQBZNFOUTPGMBOEBOECVJMEJOH
QFNFSJOUBI QVTBU NFOHFOBJ QBKBL EBFSBI EJBOUBSBOZB UBY 1##
BOENPUPSWFIJDMFUBY XIJDISFRVJSFTBMMQBZNFOUT
QFNCBZBSBO QBKBL CVNJ EBO CBOHVOBO 1##
EBO QBKBL QBJEUISPVHI3FHJPOBM%FWFMPQNFOU#BOL
LFOEBSBBO CFSNPUPS ZBOH NFXBKJCLBO TFMVSVI QFNCBZBSBO
EJCBZBSLBONFMBMVJ#BOL1FNCBOHVOBO%BFSBI
Jumlah Giro, Tabungan & Jumlah Giro, Tabungan &

Deposito Berjangka Deposito Berjangka
5PUBMPG$VSSFOU"DDPVOU 4BWJOH"DDPVOU5JNF%FQPTJUT 5PUBMPG$VSSFOU"DDPVOU 4BWJOH"DDPVOU5JNF%FQPTJUT

(JSP (JSP
40,62% $VSSFOU"DDPVOU $VSSFOU"DDPVOU
5BCVOHBO %FQPTJUP#FSKBOHLB
4BWJOH"DDPVOU 5JNF%FQPTJUT
%FQPTJUP#FSKBOHLB 5BCVOHBO
5JNF%FQPTJUT 4BWJOH"DDPVOU
2010 2011 2012 2013 2014
(JSP $VSSFOU"DDPVOU
5BCVOHBO 4BWJOHT"DDPVOU
%FQPTJUP#FSKBOHLB 5JNF%FQPTJUT
Jumlah Simpanan Nasabah 31.953.462 39.042.777 47.632.863 47.220.701 53.487.890 Total Saving
Dana Pihak Ketiga Berdasarkan Mata Uang Third Party Funds Based on Currency
#JMB EJLFMPNQPLLBO CFSEBTBSLBO KFOJT NBUB VBOH NBLB "SSBOHFECZUZQFPGDVSSFODZ DVTUPNFSGVOETEFOPNJOBUFE
EBOB OBTBCBI EBMBN NBUB VBOH 3VQJBI NFNJMJLJ LPOUSJCVTJ JO3VQJBIIBTBDPOUSJCVUJPOPG GPMMPXFECZDVTUPNFS
TFCFTBS EJJLVUJ PMFI EBOB OBTBCBI EBMBN NBUB GVOET JO GPSFJHO DVSSFODJFT BNPVOUJOH UP PG UIF UPUBM
VBOHBTJOHTFCFTBS EBSJUPUBMOBTBCBIEJUBIVO DVTUPNFSGVOETJO$PNQBSFEUP DVTUPNFSGVOET
%JCBOEJOHLBO UBIVO EBOB OBTBCBI EBMBN NBUB VBOH EFOPNJOBUFE JO 3VQJBI JODSFBTFE CZ 3Q CJMMJPO PS
3VQJBI NFOHBMBNJ LFOBJLBO TFCFTBS 3Q NJMJBS BUBV UP3QCJMMJPOJODPNQBSFEUPXIJDI
NFOKBEJ3Q USJMJVOEJUBIVOEJCBOEJOHLBO BNPVOUFEUP3QUSJMMJPOBOEDVTUPNFSGVOETJOGPSFJHO
UBIVO TFCFTBS 3Q USJMJVO EBO EBOB OBTBCBI DVSSFODJFTEFDSFBTFECZGSPN3QCJMMJPOJOUP
EBMBN NBUB VBOH BTJOH KVHB NFOHBMBNJ QFOVSVOBO 3QCJMMJPO
EBSJ3QNJMJBSEJUBIVONFOKBEJ3QNJMJBS
Tabungan Savings
1SPEVL UBCVOHBO TFCBHBJ TBMBI TBUV QSPEVL VOUVL 4BWJOHT QSPEVDUT BT POF PG UIF QSPEVDUT UIBU EJSFDUMZ SBJTF
NFOHIJNQVOEBOBOBTBCBITFDBSBMBOHTVOHZBOHNFOJOHLBU DVTUPNFST GVOET JODSFBTFE CZ 3Q CJMMJPO PS UP
TFCFTBS 3Q NJMJBS BUBV NFOKBEJ 3Q USJMJVO 3Q CJMMJPO GSPN 3Q CJMMJPO BT PG %FDFNCFS

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
219
FINANCIAL REVIEW
EBSJ 3Q USJMJVO QFS %FTFNCFS UJEBL UFSMFQBT DBO OPU CF TFQBSBUFE GSPN UIF $PNQBOZT TVDDFTT
EBSJ LFCFSIBTJMBO 1FSVTBIBBO EBMBN NFOHJNQMFNFOUBTJLBO JO JNQMFNFOUJOH POF PG UIF 4JY .BJO 4USBUFHZ 1JMMBST
TBMBI TBUV EBSJ &OBN 1JMBS 4USBUFHJ 6UBNB ZBLOJ OBNFMZ UIF JODSFBTF JO MPXDPTU GVOET $"4"
7BSJPVT
QFOJOHLBUBOEBOBNVSBI $"4"
#FSCBHBJQSPNPTJ JOPWBTJ QSPNPUJPOT TBWJOHT QSPEVDU JOOPWBUJPOT BOE OFX QSPEVDU
QSPEVLUBCVOHBOEBOQFMVODVSBOQSPEVLCBSVEJUBIVO MBVODIFTJOIBWFTIPXOFODPVSBHJOHSFTVMUT0OFPGUIF
UFMBI NFOVOKVLLBO IBTJM ZBOH NFOHHFNCJSBLBO 4BMBI TBUV QSPHSBNTUIBUSFDFJWFEBXBSNXFMDPNFGSPNUIFDPNNVOJUZ
QSPHSBN ZBOH NFOEBQBU TBNCVUBO IBOHBU EBSJ NBTZBSBLBU JTPSHBOJ[JOH4BWJOHT1SPNPUJPO1SPHSBNBTGPMMPXT
BEBMBI .FOZFMFOHHBSBLBO 1SPHSBN 1SPNPTJ 5BCVOHBO
TFCBHBJNBOBCFSJLVU
t 1SPHSBN1FUJL)BEJBICBOLbjb t 1FUJL)BEJBICBOLbjbQSPHSBN
t 1SPHSBN CFSIBEJBI MBOHTVOH bjb 5BOEBNBUB #FSKBOHLB t bjb5BOEBNBUB#FSKBOHLBQFSJPE**EJSFDUSFXBSEQSPHSBN
QFSJPEF** +VMJTBNQBJEFOHBO%FTFNCFS
+VMZUP%FDFNCFS
t 1SPHSBN(FCZBS"LIJS5BIVO #VOHB5BCVOHBO4FUJOHLBU t (FCZBS"LIJS5BIVOQSPHSBN 4BWJOHT*OUFSFTUJOUIFTBNF

%FQPTJUP
-FWFMXJUI%FQPTJU*OUFSFTU
t 1SPHSBN)BEJBI4BOH+VBSB bjbUBOEBNBUB.Z'JSTU

t )BEJBI4BOH+VBSB bjbUBOEBNBUB.Z'JSTU
QSPHSBN
4FMBJO UFSTFCVU CBOL bjb KVHB EBMBN LFHJBUBO QFNBTBSBO *O BEEJUJPO JO QSPEVDU NBSLFUJOH BDUJWJUZ CBOL bjb BMTP
QSPEVLNFMBLVLBOCFLFSKBTBNBEFOHBOCFCFSBQBJOTUBOTJ DPOEVDUDPPQFSBUJPOTXJUITFWFSBMBHFODJFT
t %FOHBO ,FNFOEJLCVE EBMBN IBM QFOZBMVSBO EBOB t 8JUI .JOJTUSZ PG &EVDBUJPO BOE $VMVUSF JO UIF EJTUSJCVUJPO
UVOKBOHBOHVSV TFSUJmLBTJ
TFOJMBJ3QUSJMJVOEBMBNLVSVO PGBMMPXBODFTPGUFBDIFSTGVOET DFSUJmFE
JOUIFBNPVOU
XBLUVUBIVO 3QUSJMMJPOJOUIFQFSJPE
t ,FSKB TBNB EFOHBO %JTEJL 1SPWJOTJ +BCBS EBO #BOUFO t $PPQFSBUJPOXJUIUIF&EVDBUJPO%FQBSUNFOUPG8FTU+BWB
UFSLBJU EFOHBO QFOZBMVSBO EBOB CBOUVBO PQFSBTJPOBM BOE#BOUFO1SPWJODFSFMBUFEUPUIFEJTUSJCVUJPOPGTDIPPM
TFLPMBITFOJMBJ3Q USJMJVOEBMBNLVSVOXBLUV PQFSBUJPOTGVOETJOUIFBNPVOUPG3QUSJMMJPOJOUIF
t ,FSKB TBNB EFOHBO %JTEJL 1SPW +BCBS UFSLBJU EFOHBO QFSJPE
QFOZBMVSBO#BOUVBO4PTJBM#VLVTFOJMBJ3Q NJMJBS t $PPQFSBUJPO XJUI UIF &EVDBUJPO %FQBSUNFOU PG 8FTU
t ,FSKB TBNB EFOHBO %JTEJL 1SPW +BCBS UFSLBJU EFOHBO +BWB 1SPWJODF SFMBUFE UP UIF EJTUSJCVUJPO PG #PPL 4PDJBM
QFOZBMVSBO #BOUVBO 4PTJBM 1FOEBNQJOHBO TFOJMBJ "TTJTUBODFJOUIFBNPVOUPG3QCJMMJPO
3Q NJMJBS t $PPQFSBUJPOXJUIUIF&EVDBUJPO%FQBSUNFOUPG8FTU+BWB
t ,FSKB TBNB EFOHBO 15 5BTQFO 1FSTFSP
EBMBN IBM 1SPWJODF SFMBUFE UP UIF EJTUSJCVUJPO PG .FOUPSJOH 4PDJBM
QFNCBZBSBO UBCVOHBO IBSJ UVB UBCVOHBO IBSJ UVB "TTJTUBODFJOUIFBNPVOUPG3QCJMMJPO
.VMUJHVOB EBO QFOTJVO NFMBMVJ SFLFOJOH CBOL 5PUBM t $PPQFSBUJPO XJUI 15 5"41&/ 1FSTFSP
JO UFSNT PG UIF
QFOZBMVSBO EBOB QFOTJVO TFMBNB UBIVO BEBMBI QBZNFOUT PG SFUJSFNFOU QMBO .VMUJHVOB BOE QFOTJPO
TFCFTBS3Q NJMJBS SFUJSFNFOU QMBO UISPVHI UIF CBOLT BDDPVOUT 5IF UPUBM
EJTUSJCVUJPO PG QFOTJPO GVOET EVSJOH XBT JO UIF
BNPVOUPG3QCJMMJPO
Tren Pertumbuhan Tabungan bank bjb Periode 2012 s.d 2014
5SFOE(SPXUI4BWJOHTCBOLbjbQFSJPEVOUJM
Bulan/Month 1 2 3 4 5 6 7 8 9 10 11 12
5BCVOHBO4BWJOHT
1FSUVNCVIBO(SPXUI
5BCVOHBO4BWJOHT
1FSUVNCVIBO(SPXUI
5BCVOHBO4BWJOHT
1FSUVNCVIBO(SPXUI
Tabungan/Savings 2014
Pertumbuhan/Growth
2014
Rata-Rata Pertumbuhan/
Average Growth

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
TINJAUAN KEUANGAN
Tren Tabungan/Trend of Savings

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec
Tabungan/Savings 2012 Tabungan/Savings 2013 Tabungan/Savings 2014
Giro Demand Deposits

(JSPNFOJOHLBUTFCFTBS3Q USJMJVOBUBV NFOKBEJ %FNBOE EFQPTJUT JODSFBTFE CZ 3Q USJMMJPO PS
3Q USJMJVO EJ UBIVO EBSJ TFCFMVNOZB TFCFTBS UP 3Q CJMMJPO JO DPNQBSFE UP UIF QSFWJPVT ZFBS
3Q USJMJVO EJUBIVO LFOBJLBO JOJ UFSMFQBT EBSJ XIJDI BNPVOUFE UP 3Q CJMMJPO JO UIJT JODSFBTF JT
LFCJKBLBO QFNFSJOUBI EBFSBI ZBOH NFOHJOTUSVLTJLBO XBKJC SFHBSEMFTT UP UIF MPDBM HPWFSONFOU QPMJDZ UIBU JOTUSVDUT UBY
QBKBL VOUVL NFMBLVLBO QFNCBZBSBO QBKBL CVNJ CBOHVOBO QBZFST UP QBZ MBOE BOE CVJMEJOH BOE NPUPS WFIJDMF UBYFT
EBOLFOEBSBBOCFSNPUPSNFMBMVJCBOLQFNCBOHVOBOEBFSBI UISPVHIUIFSFHJPOBMEFWFMPQNFOUCBOL
Tren Pertumbuhan Giro Konsumer bank bjb Periode 2012 s.d 2014
(SPXUI5SFOEPG$POTVNFS%FNBOE%FQPTJUTPGCBOLTbjbQFSJPEVOUJM
Bulan/Month 1 2 3 4 5 6 7 8 9 10 11 12
(JSP%FNBOE%FQPTJUT
1FSUVNCVIBO(SPXUI
(JSP%FNBOE%FQPTJUT
1FSUVNCVIBO(SPXUI
Giro/Demand Deposits 2014 203.681 182.649 214.109 197.218 218.156 231.064 200.232 209.002 216.075 193.887 187.552 330.841
Pertumbuhan/Growth 2014 -40,00% -10,33% 17,22% -7,89% 10,62% 5,92% -13,34% 4,38% 3,38% -10,27% -3,27% 76,40%
Rata-Rata Pertumbuhan/ -39,95% -1,68% -1,90% -2,39% 5,15% 19,50% -7,24% 11,14% 13,57% -17,05% 0,31% 82,56%
Average Growth
Tren Giro Non-Konsumer/
Demand Deposits Non-Consumer Trend

Giro/Demand Deposits 2012 Giro/Demand Deposits 2013 Giro/Demand Deposits 2014

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
221
FINANCIAL REVIEW
Trend Pertumbuhan Giro Non Konsumer bank bjb Periode 2012 s.d 2014
(SPXUI5SFOEPG/PO$POTVNFS%FNBOE%FQPTJUTPGCBOLTCKCQFSJPEVOUJM
Bulan/Month 1 2 3 4 5 6 7 8 9 10 11 12
(JSP%FNBOE%FQPTJUT
1FSUVNCVIBO(SPXUI
(JSP%FNBOE%FQPTJUT
1FSUVNCVIBO(SPXUI
Giro/Demand Deposits 2014
Pertumbuhan/Growth 2014
Rata-Rata Pertumbuhan/
Average Growth
Proyeksi/Projection 2015
3FBMJTBTJ+VMJEJUBNCBILBOEFOHBO%"6ZBOHNBTVLQBEBBXBM"HVTUVT
"DUVBM+VMZJTBEEFEUPUIFJODPNJOH%"6BUUIFCFHJOOJOHPG"VHVTU
Trend Giro non-Konsumer/

Demand Deposits Non-Consumer Trend

Giro/Demand Deposits 2012 Giro/Demand Deposits 2013 Giro/Demand Deposits 2014 Giro/Demand Deposits 2015
Deposito Time Deposits

%FQPTJUP CFSKBOHLB NFOHBMBNJ LFOBJLBO TFCFTBS 5JNF EFQPTJUT JODSFBTFE CZ UP 3Q CJMMJPO JO
NFOKBEJ 3Q USJMJVO EJ UBIVO EBSJ TFCFMVNOZB GSPN QSFWJPVTMZ 3Q USJMMJPO 5IF TUBCJMJUZ PG UIF
3Q USJMJVO ,FTUBCJMBO BOHLB EFQPTJUP CFSKBOHLB OVNCFS PG UJNF EFQPTJUT JT EVF UP BNPOH PUIFST UIF FGGPSUT
JOJ EJTFCBCLBO EJBOUBSBOZB PMFI VTBIB 0UPSJUBT +BTB PG UIF 'JOBODJBM 4FSWJDFT "VUIPSJUZ 0+,
JO JODSFBTJOH JUT
,FVBOHBO 0+,
NFOJOHLBULBOVQBZBQFOHBXBTBOUFSIBEBQ NPOJUPSJOHFGGPSUTUPXBSEGVOETSBJTJOHBOECBOLMJRVJEJUZ5IJT
QFOHIJNQVOBO EBOB EBO MJLVJEJUBT QFSCBOLBO 6QBZB FGGPSUJTJOUFOEFEUPQSFWFOUUIFOFHBUJWFFGGFDUTPGUIFDVSSFOU
JOJ EJUVKVLBO VOUVL NFODFHBI EBNQBL OFHBUJG UFSKBEJOZB CBOLJOHTJOUFSFTUSBUFDPNQFUJUJPO#BOLTVQFSWJTPSTPWFSTFF
QFSTBJOHBOTVLVCVOHBEBOBQFSCBOLBOTBBUJOJ1FOHBXBT UIFNBYJNVNJOUFSFTUSBUFTHJWFOUPEFQPTJUT5IFJODSFBTFE
CBOLNFOHBXBTJNBLTJNVNTVLVCVOHB%BOB1JIBL,FUJHB DPNQFUJUJPO UP PCUBJO UIJSE QBSUZ GVOET %1,
IBT QSPNQUFE
%1,
ZBOH EJCFSJLBO .FOJOHLBUOZB QFSTBJOHBO VOUVL CBOLT UP DPNQFUF JO BDRVJSJOH UIJSE QBSUZ GVOET UISPVHI
NFNQFSPMFIBO %1, EJ QFSCBOLBO TBBU JOJ UFMBI NFOEPSPOH DPNQFUJUJPOJOQSPWJEJOHGVOEJOHSBUFB*OBDDPSEBODFUPUIF
QFSCBOLBO VOUVL NFNQFSFCVULBO %1, NFMBMVJ QFSTBJOHBO *OEPOFTJBO#BOLJOH4UBUJTUJDT 41*
UIFJOUFSFTUSBUFTUSFOEGPS
QFNCFSJBO TVLV CVOHB EBOB 4FTVBJ 4UBUJTUJL 1FSCBOLBO CBOLJOHTUISJEQBSUZGVOETVQUPBQPTJUJPOJO+VMZIBT
*OEPOFTJB 41*
USFO TVLV CVOHB %1, QFSCBOLBO IJOHHB DPOUJOVFEUPJODSFBTFBOEBCPWFUIF#*TCFODINBSLJOUFSFTU
QPTJTJ+VMJNBTJIUFSVTNFOJOHLBUEBOUFMBICFSBEBEJBUBT SBUF
BOE-14JOUFSFTUSBUF
-FOEJOHSBUFTBMTP
TVLV CVOHB BDVBO #*
EBO TVLV CVOHB QFOKBNJOBO DPOUJOVFEUPJODSFBTFBTUIFJNQBDUPGSJTJOHJOUFSFTUSBUFTJO
-14
4VLVCVOHBLSFEJUKVHBUFSVTNFOJOHLBUTFCBHBJ UIJSEQBSUZGVOET XIJDIJOUVSOIBTBOJOnVFODFPOUIFMFWFMPG
EBNQBL EBSJ NFOJOHLBUOZB TVLV CVOHB %1, ZBOH QBEB DSFEJUHSPXUIOBUJPOBMMZ
HJMJSBOOZB NFNJMJLJ QFOHBSVI LFQBEB UJOHLBU QFSUVNCVIBO
LSFEJUTFDBSBOBTJPOBM

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
TINJAUAN KEUANGAN
Tren Pertumbuhan Deposito Konsumer bank bjb Periode 2012 - 2014

(SPXUI5SFOEPG$POTVNFS5JNF%FQPTJUTPGCBOLbjb1FSJPE
Bulan/Month 1 2 3 4 5 6 7 8 9 10 11 12
%FQPTJUP5JNF%FQPTJUT
1FSUVNCVIBO(SPXUI
1FSUVNCVIBO(SPXUI
Deposito/Time Deposits 2014 3.844.195 4.074.191 4.258.607 4.137.339 3.992.868 3.824.381 3.691.295 3.980.057 4.033.140 3.898.788 3.906.235 4.149.917
Pertumbuhan/Growth 2014 2,20% 5,98% 4,53% -2,85% -3,49% -4,22% -3,48% 7,82% 1,33% -3,33% 0,19% 6,24%
Rata-rata Pertumbuhan/ -1,06% -2,60% -2,13% 1,65% -3,84% -2,25% -3,07% 2,23% 3,36% 2,03% 3,15% 11,72%
Average Growth
Proyeksi/Projection 2015 4.063.649 4.489.330 4.876.905 4.610.451 4.490.666 4.271.588 4.137.292 4.607.588 4.641.700 4.356.799 4.322.696 4.454.726
Tren Deposito Konsumer/ Trend of Consumer Time Deposits

Deposito/Time Deposits 2012 Deposito/Time Deposits 2013 Deposito/Time Deposits 2014 Proyeksi/Projection 2015
Trend Pertumbuhan Deposito Non Konsumer bank bjb Periode 2012

- 2014
(SPXUI5SFOEPG/PO$POTVNFS5JNF%FQPTJUTPGCBOLbjb1FSJPE
Bulan/Month 1 2 3 4 5 6 7 8 9 10 11 12
1FSUVNCVIBO(SPXUI
1FSUVNCVIBO(SPXUI
Deposito/Time Deposits 2014 21.702.464 25.732.200 28.211.018 31.602.396 29.212.160 24.704.067 26.980.315 29.173.744 24.013.650 28.946.527 28.316.211 14.888.904
Pertumbuhan/Growth 2014 43,04% 18,57% 9,63% 12,02% -7,56% -15,43% 9,21% 8,13% -17,69% 20,54% -2,18% -47,42%
Rata-rata Pertumbuhan/ 11,73% 9,45% 7,85% 10,66% 2,29% -6,35% 1,11% -2,21% -0,88% 14,35% -5,32% -33,36%
Average Growth
Tren Deposito Non-Konsumer /Trend of Non Consumer Time Deposits

Deposito/Time Deposits 2012 Deposito/Time Deposits 2013 Deposito/Time Deposits 2014

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
223
FINANCIAL REVIEW
Realisasi Dana pada tahun 2014 (Rp)

Program Programs
Funds Realization on 2014 (Rp)
5BCVOHBO)BSJ5VB 5BCVOHBO)BSJ5VB.VMUJHVOBEBO USJMJVO 4BWJOHT3FUJSFNFOU 3FUJSFNFOU4BWJOHTBOE3FUJSFNFOU
1FOTJVO .VMUJQVSQPTF
#BOUVBO0QFSBTJPOBM4FLPMBI #04
USJMJVO 4DIPPM0QFSBUJPOBM"TTJTUBODF #04
#BOUVBO4PTJBM#VLV NJMJBS 4PDJBM)FMQ#PPLT

#BOUVBO4PTJBM1FOEBNQJOHBO NJMJBS 4PDJBM"TTJTUBODF
%BOB4FSUJmLBTJ(VSV USJMJVO 'VOE5FBDIFS$FSUJmDBUJPO
Uraian Descriptions
2010 2011 2012 2013 2014
Giro Demand Deposit
3VQJBI 3VQJBI
.BUB6BOH"TJOH 'PSFJHO$VSSFODZ
+VNMBI(JSP 5PUBM%FNBOE%FQPTJUT
Tabungan Rupiah Savings Account - Rupiah
5BOEBNBUB 5BOEBNBUB
4JNQFEB 4JNQFEB
5BOEBNBUB)BKJ 5BOEBNBUB)BKJ
5BOEBNBUB(PME 5BOEBNBUB(PME
5BOEBNBUB#JTOJT 5BOEBNBUB#JTOJT
5BOEBNBUB#FSKBOHLB 5BOEBNBUB#FSKBOHLB
5BCVOHBO8BEJBI 5BCVOHBO8BEJBI
5BCVOHBO.VEIBSBCBI 5BCVOHBO.VEIBSBCBI
5BCVOHBO,V 5BCVOHBO,V
5BOEBNBUB1VSOBCBLUJ 5BOEBNBUB1VSOBCBLUJ
5BCVOHBOLVJ# 5BCVOHBOLVJ#
5BCVOHBO1FMBKBS 5BCVOHBO1FMBKBS
5BCVOHBO8BKJC,IVTVT 5BCVOHBO8BKJC,IVTVT
5BCVOHBO%JOBT*OTUBOTJ 5BCVOHBO%JOBT*OTUBOTJ
5BCVOHBO.BTZBSBLBU 5BCVOHBO.BTZBSBLBU
5BCVOHBO,PUBL 5BCVOHBO,PUBL
5BCVOHBO-BJOMBJO 5BCVOHBO-BJOMBJO
5BCVOHBO5BNBTZB 5BCVOHBO5BNBTZB
5BCVOHBO"OBL4FLPMBI 5BCVOHBO"OBL4FLPMBI
5BCVOHBO.VEIBSBCBI 5BCVOHBO.VEIBSBCBI
5BCVOHBO)BKJ.VEIBSBCBI 5BCVOHBO)BKJ.VEIBSBCBI
5BOEBNBUB%PMMBS 5BOEBNBUB%PMMBS
+VNMBI5BCVOHBO 5PUBM4BWJOHT"DDPVOU
Deposito Berjangka Time Deposits
3VQJBI 3VQJBI
.BUB6BOH"TJOH 'PSFJHO$VSSFODZ
+VNMBI%FQPTJUP#FSKBOHLB 5PUBM5JNF%FQPTJUT
Jumlah 31.953.462 39.042.777 50.607.925 47.220.701 53.487.890 Total
ARUS KAS CASH FLOWS
"SVT ,BT #FSTJI ZBOH EJQFSPMFI EBSJ BLUJWJUBT PQFSBTJ CBOL /FUDBTInPXTGSPNPQFSBUJPOBMBDUJWJUJFTPGCBOLbjbEVSJOH
bjb TFMBNB UBIVO NFODBQBJ 3Q USJMJVO "SVT BNPVOUFE UP 3Q USJMMJPO $BTI nPXT XFSF NBJOMZ
LBT UFSTFCVU UFSVUBNB EJHVOBLBO VOUVL QFOZBMVSBO LSFEJU VTFEGPSDSFEJUEJTCVSTFNFOUBOETIBSJBmOBODJOHPG3Q
EBO QFNCJBZBBO TZBSJBI TFCFTBS 3Q USJMJVO EJNBOB USJMMJPO DPNQFOTBUFE CZ SFDFJQU PG DVSSFOU BDDPVOU EFQPTJUT
QFOZBMVSBO UFSTFCVU EJJNCBOHJ PMFI TJNQBOBO HJSP OBTBCBI GSPNDVTUPNFSTPG3QUSJMMJPO8JUIUIFBEEJUJPOPGPUIFS
TFCFTBS3Q USJMJVO%JUBNCBIEFOHBOTJNQBOBOMBJOOZB DVTUPNFSEFQPTJUT OBNFMZTBWJOHTBDDPVOUTPG3QCJMMJPO
ZBJUV5BCVOHBOTFCFTBS3QNJMJBSEBO%FQPTJUP#FSKBOHLB BOE UJNF EFQPTJUT PG 3Q USJMMJPO UPUBM DVTUPNFS EFQPTJU
3Q USJMJVO UPUBMTJNQBOBOOBTBCBINFODBQBJ3Q BNPVOUFEUP3Q USJMMJPO
USJMJVO

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
TINJAUAN KEUANGAN
"SVT ,BT #FSTJI ZBOH EJQFSPMFI EBSJ BLUJWJUBT JOWFTUBTJ /FU DBTI nPXT GSPN JOWFTUNFOU BDUJWJUJFT BNPVOUFE UP
NFODBQBJ 3Q USJMJVO BUBV NFOHBMBNJ QFOVSVOBO EBSJ 3Q USJMMJPO EPXOGSPNUIFDPSSFTQPOEJOHBNPVOUJO
UBIVOZBOHNFODBQBJTFCFTBS3Q USJMJVO PG3QUSJMMJPO
"SVT ,BT #FSTJI ZBOH EJHVOBLBO VOUVL BLUJWJUBT QFOEBOBBO /FU DBTI nPXT VTFE JO GVOEJOH BDUJWJUJFT JO BNPVOUFE
EJ UBIVO NFODBQBJ 3Q USJMJVO EJNBOB QPSTJ UP 3Q USJMMJPO XJUI UIF CVML PG UIF BNPVOU SFQSFTFOUJOH
UFSCFTBSEJHVOBLBOVOUVLQFNCBZBSBOFGFLFGFLZBOHEJKVBM QBZNFOU PG TFDVSJUJFT TPME VOEFS SFQVSDIBTF BHSFFNFOU
EFOHBOKBOKJEJCFMJLFNCBMJTFCFTBS3QNJMJBSEBOEJWJEFO JO UIF BNPVOU PG 3Q CJMMJPO BOE EJTUSJCVUJPO PG DBTI
LBTTFCFTBS3QNJMJBS EJWJEFOETPG3QCJMMJPO
RASIO-RASIO RATIOS
Rasio Kecukupan Modal (Capital Adequacy Ratio) Capital Adequacy Ratio

%JUBIVO 1FSVTBIBBONFODBUBUSBTJPLFDVLVQBONPEBM *O UIF$PNQBOZSFDPSEFEUIF$BQJUBM"EFRVBDZ3BUJP
LFXBKJCBO QFOZFEJBBO NPEBM NJOJNVN Capital Adequacy $"3
UIBUEJEOPUDIBOHFTJHOJmDBOUMZJOUIFmHVSFJO
Ratio BUBV $"3
CFSVCBI UJEBL TJHOJmLBO EJ BOHLB GSPNJO5IJTmHVSFJTBCPWFUIFNJOJNVN
EJ EBSJ EJ UBIVO "OHLB UFSTFCVU EJ BUBT DBQJUBMSFRVJSFNFOUBDDPSEJOHUP#* XIJDIJT
LFXBKJCBO QFOZFEJBBO NPEBM NJOJNVN NFOVSVU #* ZBJUV
TFCFTBS
Rasio-rasio Keuangan Financial Ratios

Uraian 2010 (%) 2011 (%) 2012 (%) 2013 (%) 2014 (%) Description
$"3 $"3
30" 30"
30& 30&
/*. /*.
/1-(3044 /1-(3044
/1-/&5 /1-/&5
#010 #010
-%3 -%3
"TFU1SPEVLUJG#FSNBTBMBI5FSIBEBQ 1SPEVDUJWF/PO1FSGPSNJOH"TTFUTUP

5PUBM"TFU1SPEVLUJG 5PUBM&BSOJOH"TTFUT
"TFU5FUBQ5FSIBEBQ.PEBM 'JYFE"TTFUTUP$BQJUBM
Marjin Pendapatan Bunga Bersih - Net Interest Margin Net Interest Margin (NIM)
(NIM)
.BSKJOQFOEBQBUBOCVOHBCFSTJI1FSVTBIBBO /*.
NFOHBMBNJ 5IF$PNQBOZTOFUJOUFSFTUNBSHJO /*.
EFDSFBTFEUP
QFOVSVOBONFOKBEJ EJUBIVOEJCBOEJOHLBOUBIVO JODPNQBSFEUPJOUIFBNPVOUPGJO5IF
ZBJUVTFCFTBS EJUBIVO1FOVSVOBOUFSTFCVU EFDSFBTFXBTQSJNBSJMZEVFUPBOJODSFBTFJOUIFDPTUPGGVOET
UFSVUBNB EJTFCBCLBO BEBOZB LFOBJLBO cost of fund ZBOH XIJDIXBTPSJHJOBMMZJOUPJO
TFNVMB EJUBIVONFOKBEJ EJUBIVO
Imbal Hasil Rata-rata Ekuitas - Return On Equity Return On Equity

Return On Equity 30&
QBEB UBIVO NFOHBMBNJ 3FUVSO 0O &RVJUZ 30&
JO EFDSFBTFE UP
QFOVSVOBO NFOKBEJ EJCBOEJOHLBO UBIVO TFCFMVNOZB DPNQBSFE UP UIF QSFWJPVT ZFBS XIJDI BNPVOUFE UP
TFCFTBS 1FOVSVOBO UFSTFCVU UFSVUBNB EJTFCBCLBO 5IFEFDSFBTFXBTQSJNBSJMZEVFUPBEFDSFBTFJOOFUJODPNF
PMFIBEBOZBQFOVSVOBOMBCBCFSTJITFCFTBS EJUBIVO CZJO


Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
225
FINANCIAL REVIEW
Imbal Hasil Aset - Return on Asset Return on Asset

Return On Asset QBEB UBIVO NFOVSVO TFCFTBS 3FUVSO PO "TTFUT JO EFDSFBTFE CZ UP
NFOKBEJ EJCBOEJOHLBOUBIVOTFCFMVNOZBZBOHTFCFTBS DPNQBSFEUPUIFQSFWJPVTZFBSXIJDIBNPVOUFEUP5IF
1FOJOHLBUBOUFSTFCVUEJTFCBCLBOPMFILFOBJLBOMBCB JODSFBTF XBT EVF UP BO JODSFBTF JO OFU JODPNF UIBU JT MPXFS
CFSTJIZBOHMFCJISFOEBIEJCBOEJOHLBOLFOBJLBOKVNMBIBTFU UIBOUIFJODSFBTFJOUPUBMBTTFUT
INFORMASI KEUANGAN BANK BJB 2014 YANG FINANCIAL INFORMATION OF BANK BJB
MENGANDUNG KEJADIAN LUAR BIASA CONTAINING UNUSUAL EVENTS
4FMBNB UBIVO UJEBL UFSEBQBU LFKBEJBO MVBS CJBTB ZBOH %VSJOH UIFSF XFSF OP VOVTVBM FWFOUT SFMBUFE UP UIF
CFSLBJUBOEFOHBOJOGPSNBTJLFVBOHBO mOBODJBMJOGPSNBUJPO
PENCAPAIAN TARGET 2014 2014 TARGET ACHIEVEMENT

4FMBNB UBIVO QFODBQBJBO UBSHFU NFODBQBJ TFTVBJ %VSJOH UBSHFUBDIJFWFNFOUJTJOMJOFXJUIUIFFYQFDUBUJPOT
EFOHBO IBSBQBO TBMBI TBUV concern 1FSTFSPBO ZBLOJ POF PG UIF DPODFSOT PG UIF $PNQBOZ JT UIF JODSFBTJOH /1-
QFOJOHLBUBO OJMBJ /1- ZBOH EBNQBLOZB QBEB QFOVSVOBO XIJDINBZSFEVDFUIF$PNQBOZTQSPmUT
-BCB1FSTFSPBO
Realisasi
Target
Realisation
2014 Pencapaian
2014
(Rp miliar Achievement
(Rp miliar
No. Uraian kecuali rasio- 2014 Description
kecuali rasio-
rasio keuangan/ Persentase
rasio keuangan/
Rp billion except Percentage
Rp billion except
ÀQDQFLDOUDWLRV
ÀQDQFLDOUDWLRV
1FOEBQBUBO#VOHB *OUFSFTU*ODPNF
1FOEBQBUBO0QFSBTJPOBM4FMBJO#VOHB 0QFSBUJPOBM*ODPNF0UIFS5IBO*OUFSFTU
Total Pendapatan Operasional 8.035 9.501 118,25% Total Operational Income
#FCBO#VOHB *OUFSFTU&YQFOTFT
#FCBO6TBIBTFMBJO#FCBO#VOHB 0QFSBUJPOBM&YQFOTFT0UIFS5IBO*OUFSFTU
Total Beban Usaha 6.774 8.241 121,66% Total Operational Expenses
Pendapatan Usaha Bersih 1.261 1.260 99,92% Net Operational Income
-BCB4FCFMVN1BKBL *ODPNF#FGPSF5BY
3BTJP3BTJP,FVBOHBO

'JOBODJBM3BUJPT
30" 30"

30& 30&
/*. /*.
#JBZB%BOB $PTUPG'VOE
3BTJP#JBZBUFSIBEBQ1FOEBQBUBO $PTUUP*ODPNF3BUJP
/1-(SPTT (SPTT/1-
#JBZB,SFEJU $SFEJU$PTU
3BTJP$"4" $"4"3BUJP
$"3 $"3
INFORMASI KEUANGAN MATERIAL LAINNYA OTHER MATERIAL FINANCIAL INFORMATION
Obligasi bank bjb yang Masih Beredar Outstanding bank bjb Bonds
0CMJHBTJ 7** CBOL bjb 5BIVO EFOHBO KVNMBI QPLPL CBOL bjb #POE 7** PG XJUI B UPUBM OPNJOBM WBMVF PG
PCMJHBTJTFCFTBS3Q TBUVUSJMJVOUVKVI 3Q POF USJMMJPO TFWFO IVOESFE BOE
SBUVTEVBQVMVIFNQBUNJMJBS3VQJBI
1FSJOHLBUJE""EBSJ UXFOUZ GPVS CJMMJPO 3VQJBI
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Kebijakan atas Struktur Modal Policy on Capital Structure

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Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
227
FINANCIAL REVIEW
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Pos - Pos 31 Des 2013 31 Des 2014 Accounts
(Rp Juta) (Rp Million)
I. KOMPONEN MODAL COMPONENTS OF CAPITAL
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Pendahuluan
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Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
229
FINANCIAL REVIEW
Realisasi Realisasi
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Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
TINJAUAN KEUANGAN
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Investasi Barang Modal yang Direalisasikan Realized Capital Investment
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Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
231
FINANCIAL REVIEW
Direksi Board of Directors

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Tanggal Laporan Akuntan Date
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Pendahuluan
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Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
233
FINANCIAL REVIEW
Penggunaan Dana Penawaran Umum Utilization of Public Offering Funds

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Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
235
FINANCIAL REVIEW
Transaksi dengan Pihak yang Mempunyai Hubungan Istimewa Related Party Transaction
Keterangan Description

a. Transaksi dengan selain manajemen kunci Transactions except for key management
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Total Aset dari pihak berelasi - neto 866.068 851.183 Total Assets from related party - net
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BEBAN BUNGA INTEREST EXPENSE

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Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
237
FINANCIAL REVIEW
Hubungan Jenis
Jumlah penyediaan Dana
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No The amount of the
Name Individual Group Name Relation- Relationship Status Type Time Frame
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Pendahuluan
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Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
239
FINANCIAL REVIEW
Nomor Peraturan/ Deskripsi/ Alasan/ Dampak/

Regulation Number Description Reason Impact
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Pendahuluan
Laporan Manajemen
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PROSPEK
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Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
241
PROSPEK 2015 2015 PROSPECT

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ZBOH EJUFUBQLBO PMFI QFNFSJOUBI UFSTFCVU NBTJI CFSQPUFOTJ EFUFSNJOFECZUIFHPWFSONFOUTUJMMIBTUIFQPUFOUJBMUPNBLF
NFNCVBU IBSHB KVBM LFOEBSBBO CFSNPUPS UFUBQ UJOHHJ UIFTFMMJOHQSJDFPGNPUPSWFIJDMFTUPSFNBJOIJHI UBLJOHJOUP
NFOHJOHBU NBTJI CBOZBLOZB CBIBO CBLV ZBOH EJEBUBOHLBO BDDPVOUUIBUNBOZPGUIFSBXNBUFSJBMTDPNFGSPNJNQPSUT
EBSJJNQPS
%BSJ TJTJ JOUFSOBM IJOHHB CFSBLIJSOZB UBIVO CVLV 'SPNUIFJOUFSOBMTJEF VQUPUIFFOEPGUIFmTDBMZFBS UIF
PSHBOJTBTJ LFQFOHVSVTBO 1FSTFSPBO UFMBI MFOHLBQ )BM JOJ $PNQBOZT NBOBHFNFOU PSHBOJ[BUJPO IBT CFFO DPNQMFUFE
BLBO TBOHBU NFNCBOUV 1FSTFSPBO EBMBN NFSFBMJTBTJLBO 5IJTXJMMHSFBUMZBTTJTUUIF$PNQBOZJOSFBMJ[JOHUIFTUSBUFHJD
SFODBOBTUSBUFHJZBOHTVEBIEJUFUBQLBO QMBOTXIJDIIBWFCFFOFTUBCMJTIFE

RENCANA STRATEGIS BISNIS BUSINESS STRATEGY PLAN
%FOHBONFNQFSIBUJLBOLPOEJTJLJOFSKBCBOLbjbUBIVO )BWJOH SFHBSE UP UIF QFSGPSNBODF DPOEJUJPO PG CBOL bjb JO
TFSUBGBLUPSGBLUPSMBJOZBOHCFSQPUFOTJNFNQFOHBSVIJLJOFSKB BT XFMM BT PUIFS GBDUPST UIBU DPVME QPUFOUJBMMZ BGGFDU
JOEVTUSJ QFSCBOLBO 1FSTFSPBO UFMBI NFOZVTVO SFODBOB UIF QFSGPSNBODF PG UIF CBOLJOH JOEVTUSZ UIF $PNQBOZ IBT
TUSBHJT KBOHLB QBOKBOH 4FTVBJ EFOHBO SFODBOB UFSTFCVU EFWFMPQFE B MPOHUFSN TUSBUFHJD QMBO *O BDDPSEBODF XJUI
QBEB UBIVO JOJ CBOL bjb EJIBSBQLBO NFNJMJLJ LJOFSKB UIF QMBO JO CBOL bjb JT FYQFDUFE UP IBWF CFUUFS B
MFCJICBJLEJCBOEJOHLBOUBIVO QFSGPSNBODFDPNQBSFEUP
#FSEBTBSLBOTLFOBSJPKBOHLBQBOKBOH CBOLbjbQBEBUBIVO #BTFEPOUIFMPOHUFSNTDFOBSJP JOCBOLbjbXJMMGPDVTPO

BLBOGPLVTVOUVLNFNCBOHVOGPOEBTJZBOHLVBU%BMBN CVJMEJOHBTUSPOHGPVOEBUJPO*OUIFGPSNPGTUSBUFHZQSPHSBN
XVKVEQSPHSBNTUSBUFHJ SFODBOBUFSTFCVUUFSHBNCBSNFMBMVJ UIFQMBOJTJMMVTUSBUFECZBOVNCFSPGUBSHFUT OBNFMZ
TFKVNMBIUBSHFU ZBJUV

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
PROSPEK USAHA
A. Aset A. Assets
.FNQFSIBUJLBO LPOEJTJ FLPOPNJ NBLSP EBO VQBZB 8JUI EVF PCTFSWBODF UP UIF NBDSP FDPOPNJD DPOEJUJPOT
TUBCJMJTBTJ FLPOPNJ ZBOH EJQFSLJSBLBO NBTJI BLBO BOEFDPOPNJDTUBCJMJ[BUJPOFGGPSUTUIBUBSFFYQFDUFEUPMBTU
CFSMBOHTVOH IJOHHB TFSUB CFSEBTBSLBO QSPZFLTJ VOUJM BOECBTFEPOUIFQSPKFDUFEFDPOPNJDHSPXUI
QFSUVNCVIBO FLPOPNJ *OEPOFTJB EJ LJTBSBO JO*OEPOFTJBJOUIFSBOHFPG UIFUBSHFUGPSBTTFU
NBLBUBSHFUQFSUVNCVIBOBTFUEJUBSHFULBO HSPXUI
1FSUVNCVIBOBTFU "TTFUHSPXUI
1BOHTBQBTBS .BSLFUTIBSF
B. Dana Pihak Ketiga B. Third Party Funds

%BOB 1JIBL LFUJHB CBOL bjb QBEB UBIVO TFCFTBS 5IJSE 1BSUZ 'VOET PG CBOL bjb JO BNPVOUFE UP
3QUSJMJVOEFOHBOSBUBSBUBQFSUVNCVIBO%1,CBOLbjb 3QUSJMMJPOXJUIUIFBWFSBHFEFQPTJUPGCBOLbjbEVSJOH
TFMBNBUJHBUBIVOUFSBLIJSTFCFTBS MFCJILFDJMEBSJ UIF MBTU UISFF ZFBST BNPVOUFE UP MFTT UIBO UIF
SBUBSBUB QFSUVNCVIBO %1, QFSCBOLBO OBTJPOBM TFCFTBS BWFSBHF EFQPTJU HSPXUI PG OBUJPOBM CBOL PG 5IF
1SPZFLTJ %1, UBIVO EJQFSLJSBLBO 3Q QSPKFDUFEEFQPTJUTJOJTFTUJNBUFEBU3Q USJMMJPO
USJMJVO6OUVLUBIVO EJUFUBQLBO 'PS JUXBTEFUFSNJOFE
1FSUVNCVIBO (SPXUI
#FSEBTBSLBOQSPEVL #BTFEPOQSPEVDU
B (JSP B $VSSFOU"DDPVOU
C 5BCVOHBO C 4BWJOHT"DDPVOU
D %FQPTJUP D 5JNF%FQPTJUT
C. Penyaluran Kredit C. Lending

1PTJTJ LSFEJU CBOL bjb QBEB UBIVO TFCFTBS 3Q 5IFDSFEJUQPTJUJPOPGCBOLbjbJOBNPVOUFE3Q
USJMJVO EFOHBO SBUBSBUB QFSUVNCVIBO LSFEJU TFMBNB UJHB USJMMJPO XJUI BO BWFSBHF MPBO HSPXUI PWFS UIF QBTU UISFF
UBIVOUFSBLIJSTFCFTBS 1FSPMFIBOUFSTFCVUNBTJI ZFBST BNPVOUFE UP 5IJT BDIJFWFNFOU JT TUJMM
EJBUBTSBUBSBUBLSFEJUQFSCBOLBOOBTJPOBMQBEBQFSJPEF BCPWFUIFOBUJPOBMCBOLJOHMFOEJOHBWFSBHFJOUIFTBNF
TBNB ZBOH TFCFTBS 4FEBOHLBO SFBMJTBTJ LSFEJU QFSJPE XIJDI BNPVOUFE UP .FBOXIJMF MPBO
UBIVO NFOHBMBNJ QFSMBNCBUBO TFJSJOH EFOHBO EJTCVSTFNFOUTJOFYQFSJFODFEBTMPXEPXO JOMJOF
TFNBLJONFOJOHLBUOZBSBTJPLSFEJUCFSNBTBMBI XJUIUIFJODSFBTJOHSBUJPPGOPOQFSGPSNJOHMPBOT
4FKBMBO EFOHBO TUSBUFHJ UBIVO ZBOH MFCJI GPLVT *O MJOF XJUI UIF TUSBUFHZ UIBU GPDVTFT NPSF PO
LFQBEB VQBZB QFSCBJLBO TFSUB QFOHVBUBO build strong JNQSPWFNFOUBOETUSFOHUIFOJOH CVJMETUSPOHGPVOEBUJPO

foundation
NBLB VOUVL NFOKBHB QSPmUBCJMJUBT NBUB UPNBJOUBJOQSPmUBCJMJUZ UIFUBSHFUTGPSMPBOHSPXUIUBSHFU
UBSHFUQFSUVNCVIBOLSFEJUEBOLPOEJTJLSFEJUCFSNBTBMBI BOEUIFDPOEJUJPOPGOPOQFSGPSNJOHMPBOTBSF
BEBMBI
,SFEJUZBOH%JCFSJLBO -PBOT
1FSUVNCVIBO (SPXUI
#FSEBTBSLBO4FHNFOUBTJ #BTFEPO4FHNFOUBUJPO
B ,SFEJU,PNFSTJBM B $PNNFSDJBM-PBOT
C ,SFEJU.JLSP C .JDSP-PBOT
D ,SFEJU,POTVNFS D $POTVNFS-PBOT
E ,SFEJU,13 E .PSUHBHF

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
243
BUSINESS PROSPECTS

,PNQPTJTJ#FSEBTBSLBO+FOJT1FOHHVOBBO $PNQPTJUJPO#BTFEPO6TBHF
B ,SFEJU,POTVNTJ B $POTVNQUJWF-PBOT
C ,SFEJU1SPEVLUJG C 1SPEVDUJWF-PBOT
,SFEJU#FSNBTBMBI /PO1FSGPSNJOH-PBO /1-
/1-(SPTT /1-(SPTT

E. Likuiditas E. Liquidity
-%3 -%3
$BUBUBO /PUF
Market Share"TFUEJIJUVOHEBSJQSPZFLTJBTFUCBOLbjb .BSLFU4IBSFPG"TTFUTJTDBMDVMBUFEGSPNUIF"TTFUT
UBIVO EJCBHJ QSPZFLTJ BTFU QFSCBOLBO OBTJPOBM QSPKFDUJPOPGCBOLbjbJOEJWJEFECZUIFQSPKFDUFE
UBIVO "TTFUTPGOBUJPOBMCBOLJOHJO
Market Share%BOB1JIBL,FUJHBEJIJUVOHEBSJQSPZFLTJ .BSLFU4IBSFPG5IJSE1BSUZ'VOETJTDBMDVMBUFEGSPN
%BOB 1JIBL ,FUJHB CBOL bjb UBIVO EJCBHJ UIF 5IJSE 1BSUZ 'VOET QSPKFDUJPO PG CBOL bjb JO
QSPZFLTJ%BOB1JIBL,FUJHBQFSCBOLBOOBTJPOBMUBIVO EJWJEFECZUIFQSPKFDUFE5IJSE1BSUZ'VOETPGOBUJPOBM
CBOLJOHJO
Market Share,SFEJUEJIJUVOHEBSJQSPZFLTJ,SFEJUCBOL .BSLFU 4IBSF PG -PBOT JT DBMDVMBUFE GSPN UIF -PBOT
bjb UBIVO EJCBHJ QSPZFLTJ ,SFEJU QFSCBOLBO QSPKFDUJPOPGCBOLbjbJOEJWJEFECZUIFQSPKFDUFE
OBTJPOBMUBIVO -PBOTPGOBUJPOBMCBOLJOHJO
STRATEGI DAN KEBIJAKAN PENCAPAIAN STRATEGY AND POLICY OF TARGET

TARGET ACHIEVEMENT
5FSLBJU EFOHBO QFOJOHLBUBO EBOB QJIBL LFUJHB SFODBOB "TTPDJBUFE XJUI BO JODSFBTF JO UIJSE QBSUZ GVOET TUSBUFHJD
LFCJKBLBOTUSBUFHJTZBOHBLBOEJJNQMFNFOUBTJLBOEJBOUBSBOZB QPMJDZQMBOUIBUXJMMCFJNQMFNFOUFEJODMVEF
.FMBLVLBOcross sellingEBOBMJBOTJQSPEVLQFSCBOLBOEJ $POEVDUDSPTTTFMMJOHBOEBMMJBODFPGCBOLQSPEVDUTXJUIJO
MJOHLVOHBOCBOLbjbVOUVLNFOJOHLBULBOLPNQPTJTJEBOB CBOLbjbUPJODSFBTFUIFDPNQPTJUJPOPGUIFMPXDPTU$"4"
NVSBI$"4" Current Account Saving Account
$VSSFOU"DDPVOU4BWJOHT"DDPVOU
GVOET
.FOJOHLBULBO JOGSBTUSVLUVS QFOKVBMBO sales force, sales *NQSPWF TBMFT JOGSBTUSVDUVSF TBMFT GPSDF TBMFT USBDLJOH
tracking & sales rewarding
TFSUBLFSKBTBNBBusiness to TBMFT SFXBSEJOH
BT XFMM BT #VTJOFTT UP (PWFSONFOU
Government DPPQFSBUJPOT
.FMBLVLBO FWBMVBTJ UFSIBEBQ QSPEVL QFSCBOLBO ZBOH &WBMVBUF UIF FYJTUJOH CBOLJOH QSPEVDUT SFMBUFE UP UIF
TVEBIBEBUFSLBJUEFOHBOOJMBJQSPEVLUFSTFCVUBHBSMFCJI WBMVF PG UIF QSPEVDU UP NBLF JU NPSF BDDFQUBCMF CZ UIF
EBQBUEJUFSJNBPMFIOBTBCBINBVQVODBMPOOBTBCBI DVTUPNFSTBOEQSPTQFDUJWFDVTUPNFST
.FSVNVTLBOBLUJWJUBTQFNBTBSBOTFSUBNFOZFEJBLBOTVLV 'PSNVMBUF NBSLFUJOH BDUJWJUJFT BT XFMM BT QSPWJEJOH
CVOHBZBOHLPNQFUJUJGCBHJOBTBCBIEBODBMPOOBTBCBI DPNQFUJUJWF JOUFSFTU SBUFT GPS DVTUPNFST BOE QSPTQFDUJWF
TFQBOKBOHEBMBNLPSJEPSLFUFOUVBOIVLVNZBOHCFSMBLV DVTUPNFSTBMPOHUIFDPSSJEPSPGUIFBQQMJDBCMFMBX
5FSLBJUEFOHBOQFOJOHLBUBOLVBMJUBTLSFEJU SFODBOBLFCJKBLBO "TTPDJBUFE XJUI DSFEJU RVBMJUZ JNQSPWFNFOU TUSBUFHJD QPMJDZ

TUSBUFHJTZBOHBLBOEJJNQMFNFOUBTJLBOEJBOUBSBOZB QMBOXIJDIXJMMCFJNQMFNFOUFEJODMVEF
'PLVTQBEBQFSCBJLBOLSFEJUCFSNBTBMBI Non-Performing 'PDVTPOSFTPMWJOHOPOQFSGPSNJOHMPBOT /1-
JNQSPWF
Loan/1-
NFOJOHLBULBO QFOBHJIBO EBO QFOFSBQBO CJMMJOH BOE JNQMFNFOUBUJPO PG BO FBSMZ EFUFDUJPO TZTUFN
TJTUFNEFUFLTJEJOJ early warning system
NFNQFSDFQBU FBSMZ XBSOJOH TZTUFN
BDDFMFSBUF UIF FYFDVUJPO PG
FLTFLVTJ BHVOBO NFMBMVJ MFMBOH ,1,/-CBMBJ MFMBOH DPMMBUFSBM UISPVHI ,1/,- BVDUJPOQSJWBUF BVDUJPO

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
PROSPEK USAHA
TXBTUBQFOKVBMBO TVLBSFMB UFSNBTVL QFOKBKBLBO IBQVT WPMVOUBSZ TBMF JODMVEJOH BTTFTTJOH XSJUF PGG BOE FSBTJOH
CVLVEBOIBQVTUBHJI LMBJNBTVSBOTJEBOlawyer UIFQSJODJQBMT JOTVSBODFBOEMBXZFSDMBJNT
'PLVTQBEBQFOJOHLBUBOFLTQBOTJLSFEJUZBOHCFSLVBMJUBT 'PDVT PO JNQSPWJOH UIF RVBMJUZ PG DSFEJU FYQBOTJPO XJUI
EFOHBONFNQFSIBUJLBOBTBTprudential banking SFHBSEUPUIFQSJODJQMFPGQSVEFOUJBMCBOLJOH
1FOZFNQVSOBBOQSPTFTEBONPEFMCJTOJTEJCJEBOHLSFEJU $PNQMFUJPO PG QSPDFTTFT BOE CVTJOFTT NPEFMT JO UIF
TFTVBJEFOHBOLPOTFQfour eyes principle mFMEPGMFOEJOHJOBDDPSEBODFXJUIUIFGPVSFZFTQSJODJQMF
.FNQFSLVBU Risk Management EJ CJEBOH ,SFEJU EBO DPODFQU
"ENJOJTUSBTJ LSFEJU #JTOJT -FHBM VOUVL NFOsupport 4USFOHUIFOJOH3JTL.BOBHFNFOUJOUIFmFMEPG$SFEJUBOE
QFODBQBJBOFLTQBOTJLSFEJU $SFEJU "ENJOJTUSBUJPO -FHBM #VTJOFTT UP TVQQPSU UIF
.Freview TVLV CVOHB LSFEJU TFJSJOH EFOHBO LFCJKBLBO BDIJFWFNFOUPGDSFEJUFYQBOTJPO
0UPSJUBT +BTB ,FVBOHBO 0+,
QFSJIBM QFOVSVOBO CJBZB 3FWJFX UIF MFOEJOH SBUFT JO MJOF XJUI UIF QPMJDZ PG UIF
EBOBQJIBLLFUJHB 'JOBODJBM4FSWJDFT"VUIPSJUZ 0+,
SFHBSEJOHBEFDSFBTF
.FNQFSDFQBUService Level Agreement 4-"
QFSLSFEJUBO JOUIFDPTUPGUIJSEQBSUZGVOET
TFTVBJEFOHBOTFHNFOLSFEJU "DDFMFSBUF 4FSWJDF -FWFM "HSFFNFOU 4-"
PG DSFEJU JO
.FNQFSMVBT EBO NFOJOHLBULBO QFOZBMVSBO LSFEJU BDDPSEBODFXJUIUIFDSFEJUTFHNFOU
QSPHSBN CBJLTFDBSBMBOHTVOHNBVQVONFMBMVJMFNCBHB &YQBOEBOEJNQSPWFUIFMPBOEJTCVSTFNFOUQSPHSBN CPUI
linkage EFOHBO QPMB executing TFSUB NFOHPQUJNBMLBO EJSFDUMZ BOE UISPVHI MJOLBHF JOTUJUVUJPOT XJUI FYFDVUJOH
GVOHTJ CBOL TFMBLV QFOBUB VTBIB LSFEJU QSPHSBN QPMB QBUUFSO BT XFMM BT PQUJNJ[JOH UIF GVODUJPO PG UIF CBOL BT
channeling UIFDSFEJUCVTJOFTTBENJOJTUSBUPSPGUIFDIBOOFMJOHQBUUFSO
1FOJOHLBUBO QFOZBMVSBO LSFEJU TFLUPS QSPEVLUJG UFSVUBNB QSPHSBN
VOUVLTLBMBVTBIBNJLSP LFDJMNFOFOHBIEFOHBOUFUBQ *ODSFBTFE MPBO EJTCVSTFNFOU UP QSPEVDUJWF TFDUPS
NFNQFSIBUJLBOQSJOTJQLFIBUJIBUJBO QBSUJDVMBSMZUPNJDSP TNBMM BOENFEJVNTDBMFFOUFSQSJTFT
1FOZBMVSBO LSFEJU QBEB TFHNFO OBTBCBI BUBV TFLUPS XJUIEVFSFHBSEUPUIFQSVEFODFQSJODJQMF
FLPOPNJ JOEVTUSJ ZBOH CFSLFTJOBNCVOHBO EBO -FOEJOH UP UIF DVTUPNFS TFHNFOUT PS TFDUPST PG UIF
NFNCFSJLBOJNCBMIBTJM yield
ZBOHPQUJNBM JOEVTUSJBM FDPOPNZ UIBU BSF TVTUBJOBCMF BOE QSPWJEF
PQUJNBMZJFME
5FSLBJUEFOHBOQFSNPEBMBO SFODBOBLFCJKBLBOTUSBUFHJTZBOH "TTPDJBUFE XJUI DBQJUBM TUSBUFHJD QPMJDZ QMBO XIJDI XJMM CF
BLBOEJJNQMFNFOUBTJLBOEJBOUBSBOZB JNQMFNFOUFEJODMVEF
.FNCFOUVLHVHVTUVHBTBUBVtask forceVOUVLQFSTJBQBO &TUBCMJTIBUBTLGPSDFUPQSFQBSFGPSUIFJODSFBTFJODBQJUBM
QFOJOHLBUBO NPEBM NFMBMVJ NFLBOJTNF QBTBS NPEBM UISPVHIUIFDBQJUBMNBSLFUNFDIBOJTNT TVDIBTUIFSJHIUT
TFQFSUJright issue JTTVF
.FMBLVLBO TPTJBMJTBTJ LFQBEB 1FNFHBOH 4BIBN 4FSJ " 4PDJBMJ[BUJPOUPUIF4FSJFT"4IBSFIPMEFSTJOQSFQBSBUJPOPG
EBMBNSBOHLBQFSTJBQBOright issueUBIVO UIFSJHIUTJTTVFJO
5FSLBJUEFOHBOQFOJOHLBUBOMBZBOBO KBSJOHBO EBOUFLOPMPHJ "TTPDJBUFE XJUI BO JODSFBTF JO TFSWJDFT OFUXPSLT BOE
JOGPSNBTJ VOUVL NFOEVLVOH QSPmUBCJMJUBT CBOL SFODBOB JOGPSNBUJPO UFDIOPMPHZ UP TVQQPSU UIF CBOLT QSPmUBCJMJUZ
LFCJKBLBOTUSBUFHJTZBOHBLBOEJJNQMFNFOUBTJLBOEJBOUBSBOZB TUSBUFHJDQPMJDZQMBOXIJDIXJMMCFJNQMFNFOUFEJODMVEF
.FOHJNQMFNFOUBTJLBO LVBMJUBT MBZBOBO EJ TFNVB MFWFM *NQMFNFOURVBMJUZPGTFSWJDFBUBMMMFWFMTUPESJWFCVTJOFTT
VOUVLNFOEPSPOHLJOFSKBCJTOJT QFSGPSNBODF
.FMBLVLBOFWBMVBTJEBOPQUJNBMJTBTJKBSJOHBOLBOUPS &WBMVBUFBOEPQUJNJ[FUIFPGmDFOFUXPSL
.FOJOHLBULBO MBZBOBO CFSCBTJT FMFLUSPOJL TFSUB *NQSPWJOHFMFDUSPOJDCBTFETFSWJDFTBTXFMMBTEFWFMPQJOH
QFOHFNCBOHBOUFLOPMPHJJOGPSNBTJZBOHEJBSBILBOVOUVL JOGPSNBUJPO UFDIOPMPHZ EJSFDUFE UP QSPWJEF CBOLJOH
NFOZFEJBLBOMBZBOBOQFSCBOLBOZBOHBNBO DFQBU EBO TFSWJDFT UIBU JT TBGF GBTU BOE FBTZ BT XFMM BT DVTUPNFS
NVEBITFSUBcustomer oriented PSJFOUFE

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
245
BUSINESS PROSPECTS
.FOJOHLBULBO LFUFSLFOBMBO awareness

QSPEVL TFSUB *ODSFBTJOHBXBSFOFTTJOCBOLbjbQSPEVDUTBOETFSWJDFT
MBZBOBOEJCBOLbjbEJMJOHLVOHBOOBTBCBILPSQPSBTJ JOUIFDPSQPSBUFDVTUPNFSFOWJSPONFOU
.FMBLVLBO QFOHFNCBOHBO EBO JNQMFNFOUBTJ QBEB $POEVDUEFWFMPQNFOUBOEJNQMFNFOUBUJPOUPUIFTZTUFN
TJTUFN TFIJOHHBNFOKBEJMFCJIUFSQBEVTFSUBNFMBLVLBO FOBCMJOHJUCFDPNFTNPSFJOUFHSBUFEBTXFMMBTQFSGPSNJOH
QFOFSBQBO LFCJKBLBO EBO QSPTFEVS ZBOH MFCJI GPLVT QPMJDJFTBOEQSPDFEVSFTUIBUBSFNPSFGPDVTFEUPUIFFOE
LFQBEBend user VTFS
5FSLBJU EFOHBO QFOHFNCBOHBO PSHBOJTBTJ 4%. TFSUB "TTPDJBUFE UP UIF EFWFMPQNFOU PG UIF PSHBOJ[BUJPO IVNBO
QFOEJEJLBO EBO QFMBUJIBO SFODBOB LFCJKBLBO TUSBUFHJT ZBOH SFTPVSDFT BTXFMMBTFEVDBUJPOBOEUSBJOJOH TUSBUFHJDQPMJDZ
BLBOEJJNQMFNFOUBTJLBOEJBOUBSBOZB QMBOXIJDIXJMMCFJNQMFNFOUFEJODMVEF
1FOZFTVBJBO EBO QFOZFNQVSOBBO TUSVLUVS PSHBOJTBTJ "EKVTUNFOU BOE JNQSPWFNFOU PG UIF PSHBOJ[BUJPOBM
TFIVCVOHBO EFOHBO QFOBNCBIBO KVNMBI %JSFLTJ TFSUB TUSVDUVSF JO SFMBUJPOT UP UIF JODSFBTJOH UIF OVNCFS PG
NFMBLVLBOQFOZFTVBJBOLFCJKBLBOEBOQSPTFEVS %JSFDUPST BT XFMM BT NBLJOH BEKVTUNFOUT UP UIF QPMJDJFT
1FOJOHLBUBOLPNQFUFOTJ4%.EBMBNSBOHLBNFOEVLVOH BOEQSPDFEVSFT
LFHJBUBOCJTOJT *NQSPWJOHUIFDPNQFUFODFPGIVNBOSFTPVSDFTJOPSEFSUP
&WBMVBTJ UFSIBEBQ QFOJOHLBUBO TUBOEBS LFMBZBLBO TVQQPSUCVTJOFTTBDUJWJUJFT
IJEVQ QFHBXBJ EBMBN SBOHLB NFNQFSUBIBOLBO EBO &WBMVBUJPOPOUIFJODSFBTFPGFNQMPZFFTTUBOEBSEPGMJWJOH
NFOJOHLBULBONPUJWBTJQFHBXBJ JOPSEFSUPNBJOUBJOBOEJNQSPWFFNQMPZFFTNPUJWBUJPO
1FOJOHLBUBOreward and punishmentEJCJEBOH4%. *ODSFBTJOHSFXBSEBOEQVOJTINFOUJOUIFmFMEPG)3
1FOJOHLBUBO QSPHSBN QFOEJEJLBO EBO QFMBUJIBO ZBOH *NQSPWJOH FEVDBUJPO BOE USBJOJOH QSPHSBNT UIBU TVQQPSU
NFOEVLVOH LFHJBUBO CJTOJT CBOL TFDBSB UFSTUSVLUVS EBO UIF CBOLT CVTJOFTT BDUJWJUJFT JO B TUSVDUVSFE BOE
CFSLFTJOBNCVOHBO TVTUBJOBCMFNBOOFS
.FOEPSPOH UFSDJQUBOZB QSPTFT LFSKB ZBOH FmTJFO EBO &ODPVSBHF UIF DSFBUJPO PG B NPSF FGmDJFOU BOE FGGFDUJWF
FGFLUJGEJCJEBOHUSBOTGPSNBTJNBOBKFNFOQFSVCBIBO XPSL QSPDFTTFT JO UIF mFME PG USBOTGPSNBUJPODIBOHF
*NQMFNFOUBTJ OJMBJOJMBJ corporate values EBMBN QSPTFT NBOBHFNFOU
CJTOJTEBOPQFSBTJPOBMCBOL *NQMFNFOUBUJPOPGDPSQPSBUFWBMVFTJOUIFCBOLTCVTJOFTT
QSPDFTTFTBOEPQFSBUJPOT
5FSLBJU EFOHBO QFOHFNCBOHBO KBTB LFVBOHBO SFODBOB "TTPDJBUFE XJUI UIF EFWFMPQNFOU PG mOBODJBM TFSWJDFT
LFCJKBLBOTUSBUFHJTZBOHBLBOEJJNQMFNFOUBTJLBOEJBOUBSBOZB TUSBUFHJDQPMJDZQMBOXIJDIXJMMCFJNQMFNFOUFEJODMVEF
1FOJOHLBUBOUSBOTBLTJSFNJUUBODF USBEFmOBODF EBOKBTB *ODSFBTJOH SFNJUUBODF USBEF mOBODF BOE TFSWJDFT
1FOJOHLBUBO KBTB LVTUPEJBO TFSUB MBZBOBO KBTB XBMJ USBOTBDUJPOT
BNBOBU *ODSFBTJOHDVTUPEJBMTFSWJDFTBTXFMMBTUSVTUFFTFSWJDFT
1FOJOHLBUBO QFOKVBMBO QSPEVL wealth management *ODSFBTFPGXFBMUINBOBHFNFOUQSPEVDUTBMFTUISPVHIUIF
NFMBMVJ QFOHFNCBOHBO TUSBUFHJ QFNBTBSBO TFDBSB EFWFMPQNFOUPGBOJOUFHSBUFENBSLFUJOHTUSBUFHZ
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LFVBOHBO OPOCBOL VOUVL NFOEVLVOH QFOHFNCBOHBO
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Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
PROSPEK USAHA
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SJTJLP Risk Awareness


Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
247
BUSINESS PROSPECTS
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Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
TINJAUAN
PENDUKUNG BISNIS
SUPPORTING BUSINESS REVIEW

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
249
TINJAUAN FUNGSIONAL FUNCTIONAL REVIEW
%BMBN NFOKBMBOLBO VTBIBOZB CBOL bjb UJEBL UFSMFQBT EBSJ *O DPOEVDUJOH JUT CVTJOFTT UIF CBOL bjb OPU JOEFQFOEFOU
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attitude ZBOH CBJL %FOHBO EFNJLJBO LFHJBUBO PQFSBTJPOBM PQFSBUJPOTDBOSVOTNPPUIMZ UIFRVBMJUZPGTFSWJDFTQSPWJEFE
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%FOHBO CFSBHBN KVNMBI OBTBCBI EBO CFSBOFLB SBHBN DVTUPNFSCBTFBOEEJWFSTFOFFETPGUIFJSDPNQMFYTIPVMECF
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NFNFHBOH QFSBOBO QFOUJOH 5FSTFEJBOZB CFSCBHBJ TJTUFN UFDIOPMPHZXJUIBMMUIFCFOFmUTTIPVMECFFYBNJOFEBTXFMM
UFLOPMPHJ EFOHBO TFHBMB LFMFCJIBOOZB IBSVT CJTB EJDFSNBUJ #BOLT NVTU CF BCMF UP FTUBCMJTI JOGPSNBUJPO UFDIOPMPHZ
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EBOUJEBLNFOHHBOHHVPQFSBTJPOBM#BOL

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
SUMBER DAYA
MANUSIA
HUMAN RESOURCES

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
251
Perencanaan SDM Human Resources Planning

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QFHBXBJ VOUVL NFOKBEJ TFNBLJO CFSLVBMJUBT QSPGFTJPOBM BOEQSPGFTTJPOBMJTSFRVJSFE8JUIUIFHPBMPGDSFBUJOHUIFCFTU
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job grading TFSUB EJEVLVOH PMFI QSPHSBN 1FOEJEJLBO BT XFMM BT TVQQPSUFE CZ UIF &EVDBUJPO 5SBJOJOH QSPHSBNT
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EJCVUVILBO#BOLTBBUJOJNBVQVONBTBZBOHBLBOEBUBOH #BOLTDVSSFOUBOEGVUVSFSFRVJSFNFOUT

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
SUMBER DAYA MANUSIA
Rekrutmen Recruitment
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t 3FLSVUNFOIndividual Hire SFDSVJUNFOU
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Pengelolaan Kinerja Performance Management

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Budaya kerja Work Culture

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Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
253
HUMAN RESOURCES
Perilaku Utama/Primary Behaviour Penjelasan Description

1. Ramah, tulus, kekeluargaan/ Merupakan ciri khas bank bjb dalam berkomunikasi dengan pihak lain, "SF DIBSBDUFSJTUJD CKC CBOL JO DPNNVOJDBUJOH XJUI PUIFST CPUI XJUI
Friendly, sincere, familiarity baik dengan nasabah, shareholder, masyarakat maupun antar pegawai. DVTUPNFST TIBSFIPMEFST DPNNVOJUJFT BOE BNPOH FNQMPZFFT 5IF
Seluruh jajaran organisasi berkomunikasi secara ramah dan santun, XIPMFSBOHFPGPSHBOJ[BUJPOTDPNNVOJDBUFGSJFOEMZBOEQPMJUF IFMQJOH
membantu dengan tulus dan ikhlas, serta menjalin hubungan dengan XJUIUIFTJODFSFBOEIPOFTU BOEHPPESFMBUJPOTIJQTXJUIGBNJMZ
baik dan kekeluargaan.
2. Selalu memberikan pelayanan prima/ Senantiasa memberikan pelayanan yang terbaik kepada nasabah "MXBZT QSPWJEF UIF CFTU TFSWJDF UP DVTUPNFST CZ VOEFSTUBOEJOH BOE
Always provide excellent service dengan cara memahami dan menerapkan standar pelayanan bank bjb JNQMFNFOUJOHTFSWJDFTUBOEBSETbjbCBOLXFMMJOBOZPQFSBUJPOBMBDUJWJUZ
dengan baik dalam setiap aktivitas operasional.
3. Cepat, tepat, akurat / Sebagai bankir yang professional, setiap pekerjaan dilakukan dengan "TBQSPGFTTJPOBMCBOLFS FWFSZKPCEPOFRVJDLMZJOBDDPSEBODFXJUIUIF
Fast, precise, accurate cepat sesuai dengan time schedule, menggunakan cara/metode yang UJNFTDIFEVMF VTJOHUIFNFBOTNFUIPETBQQSPQSJBUFUPUIFPCKFDUJWFT
tepat sesuai dengan tujuan dan peruntukannya, serta meminimalisir BOEQVSQPTFT BTXFMMBTUPNJOJNJ[FUIFFSSPSSBUFCPUIJOUIFQSPDFTTPG
tingkat kesalahan baik dalam proses pekerjaan maupun hasil pekerjaan XPSLBOEUIFXPSLUISPVHISJHPS
melalui ketelitian.
4. Kompeten dan bertanggung jawab/ Setiap pekerjaan, baik itu pekerjaan besar ataupun kecil, sulit ataupun &WFSZ KPC XIFUIFS TNBMM PS MBSHF KPC EJGmDVMU PS FBTZ JT BMXBZT EPOF
Competent and responsible mudah, selalu dikerjakan dengan memanfaatkan kompetensi yang ada CZ MFWFSBHJOH FYJTUJOH DPNQFUFODJFT XJUIJO FBDI PQUJNBMMZ BOE XJUI B
di dalam diri masing-masing secara optimal dan dengan penuh rasa TFOTFPGSFTQPOTJCJMJUZ
tanggung jawab.
5. Memahami dan melaksanakan Memahami dan melaksanakan seluruh pedoman dan ketentuan yang 6OEFSTUBOEBOEJNQMFNFOUBMMUIFHVJEFMJOFTBOEDPOEJUJPOTBQQMJDBCMF
ketentuan perusahaan/ berlaku dengan baik sehingga setiap pekerjaan dilaksanakan sesuai UP UIF HPPE TP UIBU BOZ XPSL JT DBSSJFE PVU JO BDDPSEBODF XJUI UIF
Understand and implement the dengan prosedur dan tidak melanggar peraturan. QSPDFEVSFBOEEPFTOPUWJPMBUFUIFSVMFT
provisions of the company
6. Konsisten, disiplin dan penuh Selalu bekerja dengan disiplin, konsisten dalam melaksanakan setiap "MXBZTXPSLXJUIEJTDJQMJOF DPOTJTUFOUJODBSSZJOHPVUBOZQSPWJTJPOPG
semangat/ Consistent ketentuan bank dan penuh semangat dalam menghadapi tantangan. CBOLBOEWJHPSPVTMZJOUIFGBDFPGDIBMMFOHFT
, disciplined and passionate
7. Menjaga citra Bank melalui perilaku Setiap pegawai berperilaku terpuji, tidak melanggar norma dan ketentuan &WFSZFNQMPZFFBDUUSVUIGVMMZ EJEOPUWJPMBUFUIFOPSNTBOESFHVMBUJPOT
terpuji dan menjunjung tinggi etika/ yang berlaku dan menjunjung tinggi kode etik perbankan. BOEVQIPMEUIFDPEFPGDPOEVDUCBOLJOH
.HHSLQJWKH%DQN¶VLPDJHWKURXJK
commendable behavior and ethics
8. Fokus pada nasabah/ Menghormati dan perhatian kepada nasabah, senantiasa menjadikan 3FTQFDU BOE DBSF GPS DVTUPNFST BMXBZT SFHBSE DVTUPNFST BT NBJO
Focus on customers nasabah sebagai mitra utama yang perlu diberikan layanan prima dan QBSUOFS XIP TIPVME CF HJWFO FYDFMMFOU TFSWJDFT BOE IFMQ QSPWJEJOH
membantu memberikan solusi kepada nasabah. TPMVUJPOTUPDVTUPNFST
9. Peduli pada lingkungan/ Memberikan kontribusi positif kepada lingkungan baik kepada .BLF B QPTJUJWF DPOUSJCVUJPO UP UIF FOWJSPONFOU UP UIF DPNNVOJUZ PS
Care for the environment masyarakat maupun kepada lingkungan hidup. Setiap pegawai UPUIFFOWJSPONFOU&WFSZFNQMPZFFQBZBUUFOUJPOUPUIFQSPCMFNTUIBU
memberikan perhatian terhadap masalah yang terjadi di lingkungan dan PDDVSJOUIFFOWJSPONFOUBOENBLFBQPTJUJWFDPOUSJCVUJPOCZIFMQJOHUP
memberikan kontribusi positif dengan cara membantu memecahkan TPMWFUIFQSPCMFN
masalah.
10. Selalu memberikan solusi yang Senantiasa bekerja dan berpikir untuk memecahkan masalah "MXBZTXPSLJOHBOEUIJOLJOHUPTPMWFQSPCMFNTVTJOHIFBMUIZNJOETJO
terbaik/ menggunakan akal pikiran yang sehat sehingga diperoleh solusi terbaik. PSEFSUPPCUBJOUIFCFTUTPMVUJPO
Always provide the best solution
11. Berkeinginan kuat untuk Selalu berusaha memperluas wawasan, pengetahuan dan keterampilan "MXBZT USZJOH UP CSPBEFO IPSJ[POT LOPXMFEHF BOE XPSL TLJMMT BT UIF
mengembangkan diri/ kerja sebagai kontribusi terbaik demi kemajuan bank bjb CFTUDPOUSJCVUJPOUPUIFQSPHSFTTPGCBOLTbjb
Strong desire to develop themselves
12. Menyukai perubahan yang positif/ Selalu bersifat terbuka terhadap perubahan yang muncul dan berpikiran "MXBZTCFPQFOUPDIBOHFTUIBUBSJTFBOEQPTJUJWFUIJOLJOH
Liked positive change positif (positif thinking)
13. Menumbuhkan Transparansi, Senantiasa jujur, saling percaya, saling mendukung dan membangun "MXBZTIPOFTU NVUVBMUSVTU NVUVBMTVQQPSUBOECVJMETUSPOHUFBNXPSL
Kebersamaan dan kerja sama tim yang kuat dan sehat. BOEIFBMUIZ
Kerja sama yang sehat/
Fostering Transparency , Mutual
Cooperation and healthy
14. Menjaga rahasia bank dan Memahami dan melaksanakan semua ketentuan yang berkaitan dengan 6OEFSTUBOE BOE JNQMFNFOU BMM UIF QSPWJTJPOT SFMBUFE UP CBOL
perusahaan/ rahasia bank, rahasia perusahaan dan rahasia jabatan. DPOmEFOUJBMJUZ DPSQPSBUFDPOmEFOUJBMJUZBOEQSPGFTTJPOBMDPOmEFOUJBMJUZ
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and companies
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Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
SUMBER DAYA MANUSIA
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Strategi Ketentuan Remunerasi Karyawan Employee Remuneration Determination Strategy

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Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
255
HUMAN RESOURCES
KOMPENSASI & BENEFIT/ COMPENSATION EMPLOYEE ENGAGEMENT

AND BENEFIT • Keterikatan Emosional/Emotional Engagement
• Evaluasi Struktur Gaji/ Salary Structure Evaluation • Dedikasi/Dedication
• Kenaikan Gaji Berkala/Periodic Salary Adjustments • Konsentrasi/Concentration
• Tunjangan Kendaraan/Car Allowance
• Fasilitas Kesehatan/Medical Allowance
BUDAYA PERUSAHAAN/
CORPORATE CULTURE
ATRAKTIF DAN KOMPETITIF/ATTRACITIVE AND COMPETITIVE

• Motivasi Kerja/Motivation
• Mempertahankan Daya Beli/Maintain Purchasing Power
• Standar Hidup Layak/Proper Living Standard
• Sesuai Ketentuan Perundang-undangan/Comply with Regulation
• Kemampuan Perusahaan/Company Capability
Pengembangan Kompetensi Competence Development

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critical jobEBMBNQSPTFTCJTOJTCBOLbjb JOUIFCVTJOFTTQSPDFTTPGCBOLbjb

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
SUMBER DAYA MANUSIA
Kesetaraan dalam Kesempatan Berkarir dan Equality in Career Opportunity and Development of
Pengembangan Kompetensi Competence
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4%. EBO VOJU LFSKB UFSLBJU EBMBN NFOJOHLBULBO LPNQFUFOTJ XJUIUIF)VNBO3FTPVSDFT%JWJTJPOBOESFMBUFEXPSLJOHVOJUT
QFHBXBJQFHBXBJ EJ CBOL bjb 4FTVBJ EFOHBO 1FEPNBO JOJNQSPWJOHCBOLbjbFNQMPZFFTDPNQFUFODJFT"DDPSEJOHUP
1FSTZBSBUBO 1FMBUJIBO 1FHBXBJ CBOL bjb EBO TFTVBJ 4JTUFN UIF(VJEFMJOFTGPSCBOLbjb&NQMPZFF5SBJOJOH3FRVJSFNFOUT
Grading LBNJNFNCBHJQFMBUJIBONFOKBEJUJHBLBUFHPSJ UISPVHI UIF (SBEJOH 4ZTUFN XF DBUFHPSJ[FE USBJOJOHT JOUP
1FMBUJIBO VUBNB ZBOH NFOKBEJ TZBSBU LFOBJLBO grade UISFFDBUFHPSJFT
TFPSBOHQFHBXBJCBOLbjb 5IF NBJO USBJOJOH XIJDI JT B QSFSFRVJTJUF GPS HSBEF
1FMBUJIBO UFLOJLBM CFSEBTBSLBO LPNQFUFOTJ TFTVBJ VOJU QSPNPUJPOPGCBOLbjbTFNQMPZFFT
LFSKB ZBOH EJIBSBQLBO EBQBU NFOJOHLBULBO LPNQFUFOTJ 5FDIOJDBM USBJOJOH CBTFE PO DPNQFUFODF JO BDDPSEBODF
TFPSBOH QFHBXBJ TFTVBJ EFOHBO job description XJUI UIF XPSLJOH VOJU XIJDI JT FYQFDUFE UP JNQSPWF UIF
QFLFSKBBOOZBEJMBQBOHBO DPNQFUFODF PG BO FNQMPZFF JO BDDPSEBODF UP UIF KPC
1FMBUJIBOsoft skillZBOHEJBSBILBOVOUVLQFOHFNCBOHBO EFTDSJQUJPOXJUIJOUIFSFMBUFEmFME
EJSJQFHBXBJ 4PGUTLJMMTUSBJOJOHGPSUIFTFMGEFWFMPQNFOUPGFNQMPZFFT
&WBMVBTJZBOHEJMBLVLBOPMFI%JWJTJ1FOEJEJLBOEBO1FMBUJIBO &WBMVBUJPOTDPOEVDUFECZUIF&EVDBUJPOBOE5SBJOJOH%JWJTJPO
BEBMBI VOUVL NFMBLVLBO quality assurance EBSJ QSPTFT JT UP QFSGPSN RVBMJUZ BTTVSBODF GSPN UIF IVNBO SFTPVSDF
QFOHFNCBOHBOTVNCFSEBZBNBOVTJB%JWJTJ1FOEJEJLBOEBO EFWFMPQNFOU QSPDFTT 5IF &EVDBUJPO BOE 5SBJOJOH %JWJTJPO
1FMBUJIBONFMBLVLBOTFCVBIQSPTFTFWBMVBTJZBOHTJTUFNBUJT DPOEVDU B TZTUFNBUJD FWBMVBUJPO QSPDFTT GPS JNQSPWJOH UIF
BUBT QFOJOHLBUBO LPNQFUFOTJ TVNCFS EBZB NBOVTJB EJ DPNQFUFODFPGIVNBOSFTPVSDFTJOCBOLbjb5IFFWBMVBUJPO
MJOHLVOHBOCBOLbjb1SPTFTFWBMVBTJQFOHFNCBOHBOTVNCFS QSPDFTT PG IVNBO SFTPVSDF EFWFMPQNFOU VOEFSUBLFO CZ UIF
EBZBNBOVTJBZBOHEJMBLVLBO%JWJTJ1FOEJEJLBOEBO1FMBUJIBO &EVDBUJPOBOE5SBJOJOH%JWJTJPODPOTJTUTPGGPVSMFWFMT OBNFMZ
UFSEJSJEBSJFNQBUUJOHLBUMFWFMZBJUVMFWFM MFWFM MFWFMEBO MFWFM MFWFM MFWFMBOEMFWFMJOXIJDIUIFTFGPVSMFWFMTBSF
MFWFMZBOHEJNBOBLFFNQBUMFWFMUFSTFCVUBEBMBIreaction, SFBDUJPO MFBSOJOH CFIBWJPSBOESFTVMU
learning, behaviorEBOresult

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
257
HUMAN RESOURCES
a. Evaluasi Training Level 1: Reaction a. Evaluation of Training Level 1: Reaction

&WBMVBTJ MFWFM JOJ NFOHVLVS UJOHLBU LFQVBTBO QFTFSUB 5IJTMFWFMPGFWBMVBUJPONFBTVSFTUIFMFWFMPGTBUJTGBDUJPO
TFUFMBI NFOHJLVUJ training 4FMBJO JUV VOUVL NFOHFUBIVJ PGUIFQBSUJDJQBOUTBGUFSUIFUSBJOJOH"EEJUJPOBMMZ UPPCUBJO
PQJOJ EBSJ QBSB QFTFSUB NFOHFOBJ training ZBOH UIF PQJOJPO PG UIF QBSUJDJQBOUT SFHBSEJOH UIF USBJOJOH
EJJLVUJOZB $BSB ZBOH CJBTB EJMBLVLBO BEBMBI NFNJOUB QBSUJDJQBUFE 5IF VTVBM XBZ JT UP BTL UIF QBSUJDJQBOUT UP
QBSB QFTFSUB VOUVL NFOHJTJ TFCVBI LVFTJPOFS ZBOH mMM PVU B RVFTUJPOOBJSF DPOUBJOJOH RVFTUJPOT BCPVU UIFJS
CFSJTJ QFSUBOZBBOQFSUBOZBBO UFOUBOH SFBLTJ EBO LFTBO SFBDUJPOT BOE JNQSFTTJPOT PO UIF JNQMFNFOUBUJPO PG UIF
NFSFLB BUBT QFOZFMFOHHBSBBO training UFSTFCVU )BMIBM USBJOJOH 5IJOHT UIBU DBO CF FWBMVBUFE BU UIJT MFWFM BSF
ZBOHEJFWBMBTJQBEBMFWFMJOJBOUBSBMBJONFOHFOBJNBUFSJ BNPOH PUIFST USBJOJOH NBUFSJBMT JOTUSVDUPSTUSBJOFST
training JOTUSVLUVStrainer GBTJMJUBTZBOHEJTFEJBLBO XBLUV GBDJMJUJFT QSPWJEFE JNQMFNFOUBUJPO UJNF BT XFMM BT UIF
QFOZFMFOHHBSBBO TFSUBNFUPEFZBOHEJHVOBLBO NFUIPETVTFE
4FKBVI JOJ QSPTFT FWBMVBTJ MFWFM EJMBLVLBO PMFI %JWJTJ 4P GBS UIF MFWFM FWBMVBUJPO QSPDFTT JT DPOEVDUFE CZ
1FOEJEJLBO EBO 1FMBUJIBO QBEB TFUJBQ QFMBUJIBO ZBOH UIF &EVDBUJPO BOE 5SBJOJOH %JWJTJPO PO BOZ USBJOJOH
EJTFMFOHHBSBLBO PMFI %JWJTJ 1FOEJEJLBO EBO 1FMBUJIBO DPOEVDUFE CZ UIF &EVDBUJPO BOE 5SBJOJOH %JWJTJPO CPUI
CBJL ZBOH EJTFMFOHHBSBLBO EBMBN CFOUVL in house PSHBOJ[FE JO UIF GPSN PG JOIPVTF USBJOJOH BT XFMM BT
trainingNBVQVOQFMBUJIBOpublic trainingEBMBNEBOMVBS QVCMJD USBJOJOH BU IPNF BOE PWFSTFBT 1BSUJDVMBSMZ GPS
OFHFSJ ,IVTVT VOUVL QFOHVLVSBO QBEB QFMBUJIBO QVCMJL UIF BTTFTTNFOU PG QVCMJD USBJOJOH JT DPOEVDUFE CZ VTJOH
EJMBLVLBO EFOHBO NFOHHVOBLBO QFOEFLBUBO vendor UIF WFOEPS BTTFTTNFOU BQQSPBDI OBNFMZ NFBTVSJOH
assesment ZBJUVQFOHVLVSBOLVBMJUBTtrainer NBUFSJEBO UIF RVBMJUZ PG USBJOFST NBUFSJBMT BOE USBJOJOH GBDJMJUJFT
GBTJMJUBT QFMBUJIBO ZBOH EJTFMFOHHBSBLBO PMFI WFOEPS PSHBOJ[FECZUBJOJOHWFOEPSTJOXIJDIUIF&EVDBUJPOBOE
WFOEPSQFMBUJIBOEJNBOB%JWJTJ1FOEJEJLBOEBO1FMBUJIBO 5SBJOJOH%JWJTJPOJODMVEFCBOLbjbFNQMPZFFTJOUSBJOJOHT
NFOHJLVUTFSUBLBOQFHBXBJCBOLbjbEBMBNQFMBUJIBOZBOH PSHBOJ[FECZUIFUSBJOJOHWFOEPST
EJTFMFOHHBSBLBOPMFIvendor-vendorQFMBUJIBOUFSTFCVU
b. Evaluasi Training Level 2: Learning b. Evaluation of Training Level 2: Learning

5VKVBO FWBMVBTJ UBIBQ JOJ BEBMBI NFOHVLVS TBNQBJ 5IF PCKFDUJWF PG UIJT FWBMVBUJPO TUBHF JT UP NFBTVSF UIF
TFKBVI NBOB NBUFSJ ZBOH EJCFSJLBO TFMBNB QFMBUJIBO FYUFOU UIF NBUFSJBM QSPWJEFE EVSJOH UIF USBJOJOH IBT
UFMBI EJQBIBNJ EJIBZBUJ EBO EJJOHBU PMFI QBSB QFTFSUB CFFO VOEFSTUPPE JOUFSOBMJ[FE BOE SFNFNCFSFE CZ UIF
1FOHVLVSBO CJBTBOZB EJMBLTBOBLBO EBMBN CFOUVL UFT QBSUJDJQBOUT5IFBTTFTTNFOUJTVTVBMMZDBSSJFEPVUJOUIF
ZBOHEJMBLVLBOTFCFMVNEBOTFTVEBItraining GPSNPGUFTUTQFSGPSNFECFGPSFBOEBGUFSUIFUSBJOJOH
5JHBEPNBJOLPNQFUFOTJ knowledge, skills EBOattitudes

5ISFF EPNBJOT PG DPNQFUFODF LOPXMFEHF TLJMMT
NFSVQBLBOIBMIBMZBOHEBQBUEJCFSJLBOEBOEJVLVSEBMBN BOE BUUJUVEFT
BSF NBUUFST UIBU DBO CF QSPWJEFE BOE
TVBUV QFMBUJIBO 0MFI LBSFOBOZB FWBMVBTJ QBEB MFWFM JOJ NFBTVSFEJOBUSBJOJOH5IFSFGPSF FWBMVBUJPOBUUIJTMFWFM
KVHB NFOFLBOLBO QBEB TFCFSBQB KBVI QFNCFMBKBSBO BMTP FNQIBTJ[FT UIF FYUFOU PG MFBSOJOH PG QBSUJDJQBOUT
(learning
QFTFSUB BUBT NBUFSJ training EBMBN LPOUFLT PO UIF USBJOJOH NBUFSJBM JO UIF DPOUFYU PG JNQSPWJOH UIFJS
NFOJOHLBULBOLPNQFUFOTJNFSFLB DPNQFUFODF
6OUVL NFOHFUBIVJ BQBLBI TFPSBOH QFTFSUB UFMBI 5P EFUFSNJOF XIFUIFS B QBSUJDJQBOU IBT B HPPE
NFNBIBNJ EFOHBO CBJL NBUFSJ training ZBOH EJJLVUJOZB VOEFSTUBOEJOH PO UIF USBJOJOH NBUFSJBMT UIBU IF TIF
EJMBLVLBOQFOHVKJBOTFCFMVNEBOTFTVEBItraining pre- QBSUJDJQBUFE JO QSFUFTU BOE QPTUUFTU XJUI UIF TBNF PS
testEBOpost-test
EFOHBONBUFSJZBOHTBNBBUBVUJEBLKBVI TJNJMBS NBUFSJBM BSF DPOEVDUFE TP UIBU SFTVMUT DBO CF
CFSCFEBTFIJOHHBIBTJMOZBEBQBUEJQFSCBOEJOHLBO+JLB DPNQBSFE *G UIFSF JT BO JODSFBTF JO UIF UIF QPTUUFTU
UFSEBQBU QFOJOHLBUBO TLPS IBTJM post-test EJCBOEJOHLBO TDPSFT SFTVMUT PG DPNQBSFE UP UIF QSFUFTU SFTVMUT JU JT
pre-test NBLB EJZBLJOJ CBIXB QFTFSUB UFSTFCVU UFMBI CFMJFWFE UIBU UIF QBSUJDJQBOU IBT B CFUUFS VOEFSTUBOEJOH
NFNJMJLJ QFNBIBNBO ZBOH MFCJI CBJL TFCBHBJ EBNQBL BTBOJNQBDUPGUIFUSBJOJOH
NFOHJLVUJtraining

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
SUMBER DAYA MANUSIA
%JWJTJ1FOEJEJLBOEBO1FMBUJIBOTFMBMVNFMBLVLBOFWBMVBTJ 5IF &EVDBUJPO BOE 5SBJOJOH %JWJTJPO BMXBZT QFSGPSNT

EJ MFWFM JOJ QBEB TFUJBQ QFMBUJIBO ZBOH EJTFMFOHHBSBLBO BO FWBMVBUJPO BU UIJT MFWFM PO BOZ USBJOJOH DPOEVDUFE JO
TFDBSBin house+FOJTQFMBUJIBOZBOHUFMBINFOFSBQLBO IPVTF 5IF UZQFT PG USBJOJOH UIBU IBWF JNQMFNFOU UIF
FWBMVBTJ MFWFM BEBMBI QFMBUJIBOQFMBUJIBO ZBOH MFWFMFWBMVBUJPOBSFUSBJOJOHTDMBTTJmFEBTXPSLUFDIOJDBM
EJLMBTJmLBTJLBO TFCBHBJ QFMBUJIBO UFLOJLBM QFOEVLVOH TVQQPSUUSBJOJOHBOENBOEBUPSZUSBJOJOH5IFSFBSFTFWFSBM
QFLFSKBBO EBO QFMBUJIBO XBKJC 5FSEBQBU CFCFSBQB FWBMVBUJPO NFUIPET UIBU BSF PGUFO VTFE UP NFBTVSF UIF
NFUPEFFWBMVBTJZBOHTFSJOHEJHVOBLBOVOUVLNFMBLVLBO USBJOJOH SFTVMUT 5IF VTVBMMZ VTFE FWBMVBUJPO NFUIPE JT
QFOHVLVSBO IBTJM QFMBUJIBO .FUPEF FWBMVBTJ ZBOH JOUIFGPSNPGBXSJUUFOUFTU QSFUFTUBOEQPTUUFTU
JGUIF
EJHVOBLBO CJBTBOZB CFSCFOUVL UFT UFSUVMJT pre test EBO USBJOJOHQVUTNPSFFNQIBTJTPOJNQSPWJOHUIFQBSUJDJQBOUT
post test
BQBCJMB QFMBUJIBO UFSTFCVU MFCJI NFOFLBOLBO VOEFSTUBOEJOH PG UIF NBUFSJBM *G B USBJOJOH FNQIBTJ[FT
QBEB QFOJOHLBUBO QFNBIBNBO QFTFSUB NFOHFOBJ TVBUV NPSFPOUIFJNQPSUBODFPGNBTUFSZPGBTLJMMTQFDJmDTLJMMT
NBUFSJ "QBCJMB TFCVBI QFMBUJIBO MFCJI NFOFLBOLBO UIFFWBMVBUJPONFUIPEJTQFSGPSNFEJOUIFGPSNPGSPMFQMBZ
QFOUJOHOZB QFOHVBTBBO TFCVBI skillsLFUFSBNQJMBO TJNVMBUJPO BOE QSBDUJDF UFTUT *O BEEJUJPO UIF &EVDBUJPO
UFSUFOUV NFUPEFFWBMVBTJEJMBLVLBOEBMBNCFOUVLrole play BOE5SBJOJOH%JWJTJPOBMTPVTFT'PDVT(SPVQ%JTDVTTJPO
TJNVMBTJ NBVQVO UFT QSBLUJL 4FMBJO JUV %JWJTJ 1FOEJEJLBO BOE$BTF4UVEJFTUPNFBTVSFUIFFGGFDUJWFOFTTPGUSBJOJOH
EBO 1FMBUJIBO KVHB NFOHHVOBLBO NFUPEF 'PDVT (SPVQ TFTTJPOT UIBU GPDVT PO JNQSPWJOH UIF DPNQFUFODF PG
%JTDVTTJPO EBO 4UVEJ ,BTVT VOUVL NFOHVKLVS FGFLUJWJUBT QSPCMFNTPMWJOHUPJUTQBSUJDJQBOUT
TFTJ QFMBUJIBO ZBOH NFOJUJLCFSBULBO QBEB QFOJOHLBUBO
LPNQFUFOTJproblem solvingQBEBQBSBQFTFSUBOZB
c. Evaluasi Training Level 3: Behavior c. Evaluation of Training Level 3: Behavior

&WBMVBTJ MFWFM EJMBLVLBO VOUVL NFOHFUBIVJ TFCFSBQB 5IFMFWFMFWBMVBUJPOJTDPOEVDUFEUPEFUFSNJOFIPXGBS
KBVI QFSVCBIBO ZBOH UFSKBEJ QBEB EJSJ QFTFSUB QBEB UIF DIBOHFT IBWF PDDVSFE UP UIF QBSUJDJQBOUT XIFO UIF
TBBU QFTFSUB LFNCBMJ LF MJOHLVOHBO QFLFSKBBOOZB QBSUJDJQBOUT SFUVSOFE UP UIF XPSL FOWJSPONFOU BGUFS UIF
TFUFMBI NFOHJLVUJ training LIVTVTOZB QFSVCBIBO QBEB USBJOJOH QBSUJDVMBSMZUPUIFCFIBWJPSTPGUIFUISFFEPNBJOT
behavior LFUJHB EPNBJO LPNQFUFOTJ knowledge skills PG DPNQFUFODJFT LOPXMFEHF TLJMMT BOE BUUJUVEFT

EBO attitudes
1FOHVLVSBO ZBOH EJMBLVLBO QBEB MFWFM &WBMVBUJPO QFSGPSNFE BU UIJT MFWFM FNQIBTJ[FT NPSF PO
JOJ MFCJI EJUJUJLCFSBULBO LFQBEB QFSVCBIBOQFSVCBIBO DIBOHFTJOKPCCFIBWJPS XIBUIBQQFOTBGUFSBOFNQMPZFF
EBMBNjobbehaviorBQBTBKBZBOHUFSKBEJTFUFMBITFPSBOH QBSUJDJQBUFJOBTQFDJmDUSBJOJOH*OPUIFSXPSET UIFMFWFM
QFHBXBJ NFOHJLVUJ training UFSUFOUV %FOHBO LBUB MBJO FWBMVBUJPO EPFT OPU POMZ NFBTVSF UIF DIBOHFT JO UIF
FWBMVBTJ MFWFM JOJ UBL DVLVQ IBOZB TFLFEBS NFOHVLVS CFIBWJPSPGUIFQBSUJDJQBOUBGUFSUIFUSBJOJOH CVUBMTPUIF
QFSVCBIBO ZBOH UFSKBEJ QBEB behavior QFTFSUB TFUFMBI FYUFOUIPXGBSUIFTFDIBOHFTDBOCFBQQMJFEJOUIFJSEBJMZ
NFOHJLVUJQFMBUJIBO OBNVOMFCJIKBVIMBHJQFSMVEJFWBMVBTJ XPSLQSBDUJDFT5IJTFWBMVBUJPOJTOFDFTTBSZCFDBVTFUIF
QVMBTFKBVINBOBQFSVCBIBOZBOHUFSKBEJUFSTFCVUEBQBU DIBOHFTNBZPOMZCFFYQFSJFODFECZUIFUSBJOFFTJOUIF
EJUFSBQLBOEBMBNQSBLUJLLFSKBTFIBSJIBSJOZB&WBMVBTJJOJ GPSNPGJODSFBTFELOPXMFEHF JODSFBTFETLJMMT PSDIBOHFT
QFSMVEJMBLVLBOLBSFOBCJTBTBKBQFSVCBIBOZBOHEJBMBNJ JOCFIBWJPSJOQFSGPSNBODFUIBUJTJOGBDU JUEPFTOPUIBWF
PMFIQFTFSUBtrainingCFSVQBNFOJOHLBUOZBQFOHFUBIVBO B CJH JNQBDU XIFO JU JT JNQMFNFOUFE JO UIFJS XPSL UIJT
CFSUBNCBIOZB LFUFSBNQJMBO BUBV CFSVCBIOZB QFSJMBLV JT EVF UP OPOUSBJOJOH GBDUPST UIBU CFDPNF JOIJCJUPST GPS
EBMBN LJOFSKB QBEB LFOZBUBBOZB UJEBL EBQBU NFNCBXB FYBNQMF UIF MBDL PG TVQQPSU JO UIF PQFSBUJPOBM TZTUFN
QFOHBSVI CFTBS LFUJLB EJDPCB VOUVL EJUFSBQLBO EBMBN OPOGBWPSBCMFXPSLJOHFOWJSPONFOU BOETPPO FWFOUIF
QFLFSKBBOOOZB IBM NBOB EJTFCBCLBO PMFI BEBOZB CVTJOFTTQSPDFTTFTUIBUBSFOPUSVOOJOHQSPQFSMZ
GBLUPSGBLUPS non training ZBOH NFOKBEJ QFOHIBNCBU
NJTBMOZB TJTUFN PQFSBTJPOBM ZBOH LVSBOH NFOEVLVOH
MJOHLVOHBO LFSKB ZBOH LVSBOH LPOEVTJG EBO TFCBHBJOZB
CBILBO business process ZBOH UJEBL CFSKBMBO EFOHBO
TFCBHBJNBOBNFTUJOZB

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
259
HUMAN RESOURCES
%JWJTJ 1FOEJEJLBO EBO 1FMBUJIBO UFMBI NFMBLVLBO 5IF &EVDBUJPO BOE 5SBJOJOH %JWJTJPO IBT DPOEVDUFE
QFOHVLVSBOQBEBMFWFMJOJVOUVLQFMBUJIBOQFMBUJIBOZBOH FWBMVBUJPOTBUUIJTMFWFMGPSUSBJOJOHUIBUBSFXPSLUFDIOJDBM
TJGBUOZB UFLOJLBM QFOEVLVOH QFLFSKBBO 1FNJMJIBO KFOJT TVQQPSUJOOBUVSF5IFTFMFDUJPOPGUIJTUZQFPGUSBJOJOHJT
QFMBUJIBO JOJ EJMBUBSCFMBLBOHJ PMFI UJOHLBU LFQFOUJOHBO NPUJWBUFECZUIFUSBJOJOHTMFWFMPGJNQPSUBODFJOJNQSPWJOH
QFMBUJIBO EBMBN NFOJOHLBULBO LPNQFUFOTJ QFHBXBJ FNQMPZFFT DPNQFUFODF JO EBJMZ XPSL XIFSF FNQMPZFFT
EBMBN QFLFSKBBO TFIBSJIBSJ EJNBOB QFHBXBJ EBQBU DBOEJSFDUMZBQQMZUIFUSBJOJOHNBUFSJBMTJOUIFJSEBJMZXPSL
TFDBSB MBOHTVOH NFOFSBQLBO NBUFSJ QFMBUJIBO EBMBN *OBEEJUJPO UIFEFDJTJPOPGUFDIOJDBMUSBJOJOHUZQFJTBMTP
QFLFSKBBOTFIBSJIBSJ4FMBJOJUVQFNJMJIBOKFOJTQFMBUJIBO DBVTFECZUIFXPSLCFIBWJPSPOUIFJNQSPWFEDPNQFUFODF
UFLOJLBM KVHB MFCJI EJTFCBCLBO PMFI QFSJMBLV LFSKB QBEB UISPVHI UIJT UZQF PG USBJOJOH JT B XPSL CFIBWJPS UIBU JT
LPNQFUFOTJ ZBOH EJUJOHLBULBO NFMBMVJ QFMBUJIBO KFOJT JOJ PWFSBOEDBOCFPCTFSWFECZUIFEJSFDUTVQFSWJTPSPGUIF
NFSVQBLBOQFSJMBLVLFSKBZBOHoverEBOCJTBEJBNBUJPMFI QBSUJDJQBOUT
BUBTBOMBOHTVOHQBSBQFTFSUB
1FOHVLVSBOZBOHCJBTBEJMBLVLBOPMFI%JWJTJ1FOEJEJLBO 5IFFWBMVBUJPOUIBUJTVTVBMMZQFSGPSNFECZUIF&EVDBUJPO
1FMBUJIBOBEBMBIEFOHBONFOHJSJNLBOLVFTJPOFSMFNCBS BOE 5SBJOJOH %JWJTJPO JT CZ TFOEJOH PCTFSWBUJPO TIFFU
PCTFSWBTJLFQBEBQBSBQFTFSUBTBBUQFOVUVQBOQFMBUJIBO RVFTUJPOOBJSFT UP UIF QBSUJDJQBOUT BU UIF DMPTJOH PG UIF
VOUVL EJTFSBILBO LFQBEB BUBTBO MBOHTVOH QBSB QFTFSUB USBJOJOH UP CF TVCNJUUFE UP UIF JNNFEJBUF TVQFSWJTPS PG
QFMBUJIBO 4FMBOKVUOZB TFUFMBI TBUV CVMBO EBSJ XBLUV UIF USBJOJOH QBSUJDJQBOU 'VSUIFSNPSF POF NPOUI BGUFS
QFMBUJIBO QBSB BUBTBO MBOHTVOH EBSJ QFTFSUB QFMBUJIBO UIF USBJOJOH UJNF UIF EJSFDU TVQFSWJTPS PG UIF USBJOJOH
NFMBLVLBOQFOHBNBUBOUFSIBEBQLJOFSKBQBSBQFTFSUBOZB QBSUJDJQBOU PCTFSWFT UIF QFSGPSNBODF PG UIF QBSUJDJQBOUT
ZBOHEJUJOEBLMBOKVUJEFOHBONFMBLVLBOQFOJMBJBOUFSIBEBQ XIJDIXFSFGPMMPXFEVQCZBTTFTTJOHUIFQFSGPSNBODFPG
LJOFSKB QBSB QFTFSUB TFUFMBI QFMBUJIBO 1FOFOUVBO XBLUV UIFQBSUJDJQBOUTBGUFSUIFUSBJOJOH5IFEFUFSNJOBUJPOPGPOF
QFOHVLVSBO TBUV CVMBO TFKBL QFMBUJIBO CFSMBOHTVOH NPOUI FWBMVBUJPO UJNF BGUFS UIF USBJOJOH JT VOEFSUBLFO UP
EJMBLVLBO VOUVL NFNCFSJLBO LFTFNQBUBO UFSMFCJI QSPWJEF UIF PQQPSUVOJUZ GPS UIF QBSUJDJQBOUT UP BQQMZ UIF
EBIVMVQBSBQFTFSUBEBMBNNFOHBQMJLBTJLBONBUFSJZBOH NBUFSJBMTPCUBJOFEEVSJOHUIFUSBJOJOHJOUIFJSEBJMZXPSL
EJEBQBULBO QBEB TBBU QFMBUJIBO EBMBN QFLFSKBBOOZB UIFSFGPSFQPTUUSBJOJOHQFSGPSNBODFNFBTVSFNFOUDBOCF
TFIBSJIBSJ TFIJOHHBQFOHVLVSBOLJOFSKBQBTDBQFMBUJIBO DPOEVDUFE
CJTBEJMBLVLBO
/BNVO TFKBVI JOJ %JWJTJ 1FOEJEJLBO EBO 1FMBUJIBO NBTJI )PXFWFS UIF &EVDBUJPO BOE 5SBJOJOH %JWJTJPO PG JT TUJMM
NFOFNVJ LFOEBMB EBMBN QFOHVLVSBO MFWFM JOJ ZBJUV EBSJ FODPVOUFSJOH QSPCMFNT JO UIJT FWBMVBUJPO MFWFM OBNFMZ
-FNCBS &WBMVBTJ ZBOH EJLJSJNLBO LFQBEB QBSB QFTFSUB GSPNUIF&WBMVBUJPO4IFFUUIBUBSFTFOUUPUIFQBSUJDJQBOUT
EBO BUBTBOOZB IBOZB TBKB ZBOH EJLFNCBMJLBO BOE UIFJS TVQFSWJTPST POMZ BSF SFUVSOFE UP UIF
LFQBEB %JWJTJ 1FOEJEJLBO EBO 1FMBUJIBO TFIJOHHB &EVDBUJPO BOE 5SBJOJOH %JWJTJPO UIFSFGPSF UIF FWBMVBUJPO
QFOHVLVSBO IBOZB ZBOH EJMBLVLBO BEBMBI EBMBN CFOUVL DBOPOMZCFDBSSJFEPVUJOUIFGPSNPGTBNQMJOHBOEVOBCMF
TBNQMJOH EBO UJEBL EBQBU NFOHVLVS QFOJOHLBUBO UPNFBTVSFUIFJODSFBTFJODPNQFUFODFPGBMMQBSUJDJQBOUT
LPNQFUFOTJTFMVSVIQFTFSUBQFMBUJIBOin house PGUIFJOIPVTFUSBJOJOH

d. Evaluasi Training Level 4: Business Impact d. Evaluation of Training Level 4: Business Impact
&WBMVBTJ MFWFM NFSVQBLBO FWBMVBTJ ZBOH NFOHVLVS 5IFMFWFMFWBMVBUJPOJTBOFWBMVBUJPOUPNFBTVSFUIFFYUFOU
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IBTJM result
UFSIBEBQ QFOJOHLBUBO LJOFSKB QBSB QFTFSUB UIF JODSFBTF PG QFSGPSNBODF PG UIF USBJOJOH QBSUJDJQBOUT
IBTJM QFMBUJIBO VOJU LFSKB NBVQVO QFSVTBIBBO TFDBSB XPSL VOJUT BOE UIF DPNQBOZ BT B XIPMF #FDBVTF UIF
LFTFMVSVIBO ,BSFOB SFTVMU ZBOH EJQFSPMFI TFSJOHLBMJ SFTVMU PCUBJOFE JT PGUFO TPNFUIJOH UIBU JT WFSZ EJGmDVMU UP
NFSVQBLBO TFTVBUV ZBOH TBOHBU TVMJU VOUVL EJLVBOUJmTJS RVBOUJmFE TVDI BT JNQSPWFE RVBMJUZ PG XPSL JODSFBTJOH
NJTBMOZB QFOJOHLBUBO LVBMJUBT LFSKB QSPEVLUJWJUBT ZBOH QSPEVDUJWJUZ JODSFBTF KPC TBUJTGBDUJPO DPNNVOJDBUJPO

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
SUMBER DAYA MANUSIA
TFNBLJO NFOJOHLBU QFOJOHLBUBO LFQVBTBO LFSKB FGGFDUJWFOFTT EFDSFBTFFSSPSSBUFT JODSFBTFDPMMBCPSBUJPO

FGFLUJWJUBT LPNVOJLBTJ QFOVSVOBO UJOHLBU LFTBMBIBO BNPOHFNQMPZFFT BOETPPO
QFOJOHLBUBOLFSKBTBNBBOUBSQFHBXBJ EBOTFCBHBJOZB
1FOHVLVSBO QBEB MFWFM JOJ SFODBOBOZB BLBO NVMBJ 5IFFWBMVBUJPOGPSUIJTMFWFMJTQMBOOFEUPCFJOJUJBMJ[FECZ

EJMBLVLBO PMFI %JWJTJ 1FOEJEJLBO EBO 1FMBUJIBO QBEB UIF&EVDBUJPOBOE5SBJOJOH%JWJTJPOJOUIFGPVSUIRVBSUFSPG
5SJXVMBO*7UBIVO
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BEBMBI TFCBOZBL KFOJT 1FOEJEJLBO EBO 1FMBUJIBO ZBOH SFTPVSDFTJTUZQFTPG&EVDBUJPOBOE5SBJOJOH QBSUJDJQBUFE
EJJLVUJPMFIQFTFSUB CZ QBSUJDJQBOUT
%JWJTJ QFOEJEJLBO EBO QFMBUJIBO UFMBI NFOZVTVO QSPHSBN 5IFFEVDBUJPOBOEUSBJOJOHEJWJTJPOIBTEFWFMPQFEBUSBJOJOH

QFMBUJIBO EBMBN CFOUVL Training Program Academy ZBOH QSPHSBNJOUIFGPSNPG5SBJOJOH1SPHSBN"DBEFNZSFHVMBUJOH
NFOHBUVS QSPHSBN QFMBUJIBO QFHBXBJ CBOL bjb ZBOH CBOLbjbFNQMPZFFUSBJOJOHQSPHSBNTUBJMPSFEUPUIFQSPWJTJPOT
EJTFTVBJLBO EFOHBO LFUFOUVBO TJTUFN grading ZBOH UFMBI PGUIFHSBEJOHTZTUFNFTUBCMJTIFECZUIF%JWJTJPOPG)VNBO
EJUFUBQLBO PMFI %JWJTJ 4VNCFS %BZB .BOVTJB CFSEBTBSLBO 3FTPVSDFT BOE CBTFE PO KPC DPNQFUFODZ DPNQFUFODZ
LPNQFUFOTJKBCBUBO competency based
1SPHSBNQFMBUJIBO CBTFE
5IF USBJOJOH QSPHSBN JT SFHVMBUFE JO UIF %FDSFF PG
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4,%*31-5 UBOHHBM 0LUPCFS UFOUBOH 1FEPNBO UIF(VJEFMJOFTGPSCBOLbjb&NQMPZFF5SBJOJOH3FRVJSFNFOUT
1FSTZBSBUBO 1FMBUJIBO 1FHBXBJ CBOL bjb 4FTVBJ 4JTUFN UISPVHIUIF(SBEJOH4ZTUFN XIFSFUIFUSBJOJOHSFRVJSFNFOUT
Grading EJNBOB QSPHSBN QFSTZBSBUBO QFMBUJIBO EJTVTVO QSPHSBNJTTUSVDUVSFEGPSFBDIHSBEFBOEEJWJEFEJOUP
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1FMBUJIBO6UBNB 4FMFDUJWF5SBJOJOH 5FDIOJDBM 4PGUTLJMM BOE$FSUJmDBUJPO
1FMBUJIBO1JMJIBO 5FLOJLBM Softskill EBO4FSUJmLBTJ
#FSJLVU BEBMBI CFCFSBQB KFOJT QFMBUJIBO ZBOH TVEBI 5IF GPMMPXJOH BSF TFWFSBM UZQFT PG USBJOJOH XIJDI IBWF CFFO
EJTFMFOHHBSBLBOTFMBNBUBIVO PSHBOJ[FEEVSJOH
No. Diklat Grade 1 No. Diklat Grade 1

"DDPVOU0GmDFS,POTVNFS "TQFL)VLVN,FQBJMJUBO
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7 "EWBODFE5SBJOJOH5P/4*$$4 #BTJD"VEJU5FDIOJRVFT5PPMTGPS/FX"VEJUPS
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"LVOUBOTJ1SPEVL%FWJTB #BTJD5SBEF'JOBODF
"NB[JOH1VCMJD4QFBLJOH #BTJD5SFBTVSZGPS*OUFSOBM"VEJUPS
"OBMJT,13 #BTJD5SFBTVSZ.BOBHFNFOU
"OBMJT,SFEJU,PNFSTJBM #FBVUZ$MBTTCBOLbjb
"OBMJTB1FNCJBZBBO,SFEJU*OWFTUBTJ)PUFM #JNCJOHBO5FLOJT-FHBM%SBGUJOH
"OBMJTJT*OWFTUBTJ%BO1PSUGPMJP #JNCJOHBO5FLOJT.BOBKFNFO-PHJTUJL
"QQSBJTBM1SPQFSUZ #JTOJT-FHBM
"16115 #POE.BSLFU"OBMZTJT

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
261
HUMAN RESOURCES

#PPTU:PVS1PUFOUJBM$PNNVOJDBUJPO4LJMM )140&5FLOJL.FNFOBOHLBO5FOEFS1FOHBEBBO#BSBOH+BTB
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$BMPO1FHBXBJ'SPOUMJOFS *EFOUJmLBTJ1FSNBTBMBIBO%BMBN.FMBLVLBO4FMG"TTFTTNFOU"UBT
$BSB-JHBU.FMBLTBOBLBO1),5BOQB,POnJL 5JOHLBU,FTFIBUBO#BOL4FSUB.FLBOJTNF,POTPMJEBTJ-BQPSBO5LT#BOL
$BTI.BOBHFNFOU ,POWFOTJPOBM
$BTI.BOBHFNFOU5SFBTVSZ.BOBHFNFOU *NQMFNFOUBTJ"VEJU*OUFSO#BOL#FSCBTJT3JTJLP 3#"
$FSUJmFE*OWFTUPS3FMBUJPOT *NQMFNFOUBTJ$43
$IBOHF"HFOU *NQMFNFOUBTJ%BO*NQMJLBTJ)BL5BOHHVOHBO%BO'JEVTJB
$IBSBDUFS#VJMEJOH *NQMFNFOUBTJ5ISFF-JOFTPG%FGFODF
$PNQMBJOU.BOBHFNFOU *NQMFNFOUJOH42-4FSWFS%BUB8BSFIPVTF
$PNQSFIFOTJWF$PSSFTQPOEFOU#BOLJOH *NQSPWJOH$PNQFUFODZ'PS"VEJUJOH5SBEJOH
$PNQSFIFOTJWF$SFEJU"OBMZTJT#FSCBTJT3JTJLP *OGPSNBUJPO5FDIOPMPHZ"VEJUJOH
$POTVMUBUJWF4FMMJOHGPS#BOLJOH *OOPWBUJWF/BSLFUJOH4USBUFHZ
$POUSBDU.BOBHFNFOU *OUFSNFEJBUF&#BOLJOH
$PPSEJOBUJPOBOE5FBNXPSL5FMMFS *OUFSOBUJPOBM#BOL(VBSBOUFF
$PSQPSBUF$VMUVSF *OWFTUJHBTJ'SBVE1BEB#JTOJT.PCJMF#BOLJOH%BO1FODFHBIBOOZB

%FOHBO1FOFSBQBO.BOBKFNFO3JTJLPI51FSCBOLBO
$PSQPSBUF&WFOU.BOBHFNFOU
+PC&WBMVBUJPO"OE%FWFMPQNFOU4BMBSZ
$PSQPSBUF-BX
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&GGFDUJWF$PNNVOJDBUJPO4LJMM .BOBHJOH4FSWJDF&YDFMMFOU
&GGFDUJWF5SBJOJOH%FTJHO .BOBHJOH4USFTU'PS1SBDUJDBM1VSQPTF
&NPOFZ .BOBKFNFO"ENJOJTUSBTJ1FSLBOUPSBO.PEFSO
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'JMMJOH4ZTUFN"OE%PDVNFOUBUJPO .BSLFU0VUMPPL*OWFTUNFOU
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'JOBODJBM1MBOOJOH 'PSFDBTUJOH #VEHFUJOH6TJOH.T&YDFM .FUPEF1FOZVTVOBO)QT1FSVTBIBBO
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'VOE5SBOTGFS1SJDJOH .PUJWBUJPO4UBGG'PS&YDFMMFOU
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(SBQIPOPNZ 0QFSBTJPOBM#BOL%BTBS
)BOEMJOH$POnJDU"U8PSLQMBDF 0QFSBUJPO3JTL.BOBHFNFOU
)PX5P$SFBUF-4.,8JUI9#3- 0QFSBUJPOBM3JTL.BOBHFNFOU

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
SUMBER DAYA MANUSIA

0QUJNJ[JOH"OE.PUJWBUJOH$BSFFS8PNBO 4FNJOBS5FOBHB,FSKB%BO#1+4
0QUJNJ[JOH0GmDFS4LJMMT 4FSUJmLBTJ1FOHBEBBO#BSBOH%BO+BTB
0VUCPOE$BCBOH#BMBSBKB 4FSWJDF4FMMJOH4LJMM
1BZNFOU"OE$BTI.BOBHFNFOU 4FSWJDF&YDFMMFODF4UBOEBS-BZBOBO$4
1FEPNBO5FLOJT1FOZVTVOBO%BO1FOFUBQBO4QFTJmLBTJ%BO)14 4FSWJDF&YDFMMFODF4UBOEBS-BZBOBO5FMMFS
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$PMMFDUJOH7FSJmDBUJPO"OE%BUB"ENJOJTUSBUJPO 4,/#* %)/%BO0VUJOH,PNVOJUBT,MJSJOH+BLBSUB
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1FNCJOBBO1FUVHBT,,FCBLBSBO5JQF$ 4018SJUJOH*NQSPWFNFOU
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,FXBKJCBO1FSQBKBLBO#VMBOBO5BIVOBO4FSUB5BUBDBSB1FOHJTJBO415 4UBOEBSE0QFSBUJOH1SPDFEVSF
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1PXFSGVMM4LJMM'PS.BSLFUJOH$PNNVOJDBUJPO 6KJBO4FSUJmLBTJ1FOHBEBBO#BSBOH%BO+BTB
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4FNJOBS4VSBU#FSIBSHB .POFZ.BSLFU %BO-JRVJEJUZ.BOBHFNFOU

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
263
HUMAN RESOURCES

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5054BMFTNBOTIJQ'PS4FSWJDF1FPQMF
No. Diklat Grade 2 5SBJOJOH#VTJOFTT-FHBM"OE$POUSBDU%SBGUJOH
%PDVNFOU$POUSPM"OE'JMMJOH4ZTUFN
5SBJOJOH401
31(*71SPHSBNNJOH#BTJD5P"EWBODF
0VUCPOE
6KJBO8BQFSE
No. Diklat Grade 3 8PSLTIPQ .FOZVTVO ,FSBOHLB 4USBUFKJL 3FODBOB #JTOJT #BOL %BO
.FOHVKJ"TVNTJ.FMBMVJ'JOBODJBM.PEFMMJOH
"DDPVOU0GmDFS,POTVNFS
8PSLTIPQ1PXFSGVM$PNNVOJDBUJPO"OE4NBSU/FHPUJBUJPO
"ENJOJTUSBTJ,SFEJU
"ENJOJTUSBTJ,SFEJU%BO#JTOJT-FHBM No. Diklat Grade 4

"LVOUBOTJ#BOL%BTBS "DDPVOUJOH#FTU1SBDUJDFT
"OBMJTB,SFEJU,PNFSTJBM "DDPVOU0GmDFS,POTVNFS"OHLBUBO
"DDPVOU0GmDFS.JLSP #BTJD5SBEF'JOBODF"OHLBUBO
7 "QQSBJTBM1SPQFSUZ $IBOHF"HFOU
#BTJD5SBEF'JOBODF &GGFDUJWF.BSLFUJOH$PNNVOJDBUJPO
#FBVUZ$MBTTCBOLbjb$BCBOH,BSBXBOH &GGFDUJWF5JNF.BOBHFNFOU
#JTOJT-FHBM 7 'JOBODJBM"DDPVOUJOH4ZTUFN%FWFMPQNFOU
#VEBZB1FSVTBIBBO#BHJ1FHBXBJ1FMBLTBOB 'JOBODJBM$POUSPM.BOBHFNFOU
$IBOHF"HFOU 'JOBODJBM1MBOOJOH 'PSFDBTUJOH #VEHFUJOH6TJOH.T&YDFM
$IBSBDUFS#VJMEJOH (FOFSBM "GGBJST 1SPGFTTJPOBM 1SPHSBN $PODFQU 4USBUFHZ "OE

*NQMFNFOUBUJPO
$POTVMUBUJWF4FMMJOH'PS#BOLJOH
)PX5P$SFBUF-4.,8JUI9#3-
$SFEJU3FWJFXFS.JLSP
)VLVN,POUSBL,POTUSVLTJ
'JOBODJBM.PEFMMJOH'PS#BOLT
,VQBT5VOUBT1FOFSBQBO14",
(SBQIPOPNZ
0VUCPOE
,FTFLSFUBSJBUBO
"LVOUBOTJ1SPEVL%FWJTB
.FOUBMJUZ#PPTUFS5SBJOJOH
&GGFDUJWF$PNNVOJDBUJPO*OUFSQFSTPOBM4LJMMT
.JDSPTPGU&YDFM"EWBODFE'PS#VTJOFTT "DDPVOUJOH"OE.BOBHFNFOU
,FJLVUTFSUBBO1PSUGPMJP.JLSP4FDBSB$FQBU%BO"NBO
0QFSBTJPOBM#BOL%BTBS
.BOBKFNFO,PQFSBTJ
0VUCPOE
$PSQPSBUF-FHBM#BOLJOH4IPSU$PVSTF
1PXFSGVMM4LJMM'PS.BSLFUJOH$PNNVOJDBUJPO
.BOBHFNFOU$BSFFS
30,PNFSTJBM"OHLBUBO
4FMMJOH5FDIOJRVF'PS#BOLJOH1SPEVDU

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
SUMBER DAYA MANUSIA

30,13"OHLBUBO &WBMVBTJ,JOFSKB4,/#*
4USFTT.BOBHFNFOU &YFDVUJWF$PSQPSBUF-BX
5FNVBO1FSNBTBMBIBO1TBL
%BO1TBL 'JOBODJBM.PEFMMJOH'PS#BOLT
5IFOE*OEPOFTJB.BSLFUFFST'FTUJWBM (BUIFSJOH%BO4IBSJOH*OGPSNBTJ4FSUB4PTJBMJTBTJ,MJSJOH(FOFSBTJII
5051SPHSBN#/15,* IT1SPKFDU.BOBHFNFOU#BTFE0O1NCPL
8BQFSE IT3JTL.BOBHFNFOU
8PSLTIPQ)PX5P)BOEMF$PNQMBJOU1SPGFTTJPOBMMZ ,FTFLSFUBSJBUBO
,OPX:PVS$VTUPNFS"OE"OUJ.POFZ-BVOESZ
No. Diklat Grade 5
,OPXJOH:PVSTFMG
%JHJUBM.BSLFUJOH
.BOBKFNFO,PQFSBTJ
"DDPVOU0GmDFS,POTVNFS
.BTUFSJOH&YDFM'PS0GmDF%BUB1SPDFTTJOH4ZTUFN
"DDPVOUJOH#FTU1SBDUJDFT
.FBTVSFNFOU"QQSPBDI "."
.PEFMJOH
"ENJOJTUSBTJ,SFEJU
"ENJOJTUSBTJ,SFEJU
/PO1FSGPSNJOH-PBO.BOBHFNFOU'PS,SFEJU6TBIB3BLZBU
"LVOUBOTJ#BOL%BTBS
0%$1
7 "NB[JOH1VCMJD4QFBLJOH
0GmDF$IBOOFMJOH
"OBMJT,13
0GmDFS1SPHSBN
"OBMJT,SFEJU,PNFSTJBM
0QFSBTJPOBM#BOL%BTBS
"0,POTVNFS
0QFSBUJPOBM3JTL.BOBHFNFOU
"0.JLSP
0VUCPOE$BCBOH#BMBSBKB
"QQSBJTBM1SPQFSUZ
1FEPNBO"LVOUBOTJ1FSCBOLBO*OEPOFTJB
"TQFL)VLVN1FNCJBZBBO1FSVNBIBO4FLVSJUJTBTJ,13%J*OEPOFTJB
1FNFSJLTBBO1BKBL 5BUBDBSB1FOHBKVBO1FOZFMFTBJBO,FCFSBUBO%BO
#BTJD%FSJWBUJWF
,FXBKJCBO 1FSQBKBLBO #VMBOBO 5BIVOBO 4FSUB 5BUBDBSB 1FOHJTJBO 415
#BTJD-JGF4VQQPSU 5BIVOBO 11)8101#BEBO5BIVO1BKBL'PSNBU#BSV
#BTJD5SBEF'JOBODF 1FOHBEBBO#BSBOH%BO+BTB
#BTJD5SFBTVSZ.BOBHFNFOU 1FOJMBJBO %BO 1FOJOHLBUBO 4FSWJDF 2VBMJUZ %FOHBO 4JY 4JHNB .FUIPEF
6OUVL,FQVBTBO
#JTOJT-FHBM
#PPTU:PVS1PUFOUJBM$PNNVOJDBUJPO4LJMM
1PXFSGVMM%BUB"OBMZTJT"OE3FQPSUJOH8JUI&YDFM
$BTI.BOBHFNFOU5SFBTVSZ.BOBHFNFOU
$IBOHF"HFOU
3FGSFTINFOU.BOBKFNFO3JTJLP
$PBDIJOH"OE$PVOTFMMJOH
$PBDIJOH"OE$PVOTFMMJOH4LJMM
3FMBUJPOTIJQ0GmDFS,13"OHLBUBO
$PNQMBJOU.BOBHFNFOU
30,PNFSTJBM
$PNQSFIFOTJWF$PSSFTQPOEFOU#BOLJOH
30,13
$POTVMUBUJWF4FMMJOH'PS#BOLJOH
4FMMJOH8JUI$IBSBDUFS4FDPOE-FWFM
$PSQPSBUF$VMUVSF
4FNJOBS.BLJOH5IF:FBS0G&DPOPNJDT#VTJOFTT$POmEFODF
$PTU"OE#FOFmU"OBMZTJT
4LOCJ
$SFEJU3FWJFXFS.JLSP
4PTJBMJTBTJ1SPHSBN%6V.BUB6BOH1FUVHBT,MJSJOH
$SFEJU3JTL.BOBHFNFOU
4USBUFHJ 1FOZFMBNBUBO 1FOZFMFTBJBO /QM 4FSUB 3FTUSVLUVSJTBTJ ,SFEJU
%BNQBL3JTJLP)VLVN5FSIBEBQ1SPTFT1FNCFSJBO,SFEJU 1FSCBOLBO4XBTUB #6./#6./%
%FUFLTJ3JTJLP0QFSBTJPOBM%BO4USFTT5FTU.PEFM 4USBUFHZ.FNCBOHVO4PQ,1*#FSCBTJT#4$
%PDVNFOU$POUSPM"OE'JMMJOH4ZTUFN 4USFTT.BOBHFNFOU
&GGFDUJWF$PNNVOJDBUJPO4LJMM 4USVDUVSFE5SBEF'JOBODF
&GGFDUJWF.BSLFUJOH$PNNVOJDBUJPO 77 5IFOE*OEPOFTJB.BSLFUFFST'FTUJWBM
&GGFDUJWF5JNF.BOBHFNFOU 5IF1SPQIFUJD8JTEPN4FSJ/VI4BOH7JTJPOFS

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
265
HUMAN RESOURCES

5JNF.BOBHFNFOU $BTI.BOBHFNFOU5SFBTVSZ.BOBHFNFOU
5JNF.BOBHFNFOU $FSUJmFE*OWFTUPS3FMBUJPOT
5054BMFTNBOTIJQ'PS4FSWJDF1FPQMF $IBOHF"HFOU
5SBJOJOH#VTJOFTT"OBMZTJT'PVOEBUJPO $PBDIJOH"OE$PVOTFMMJOH
5SBJOJOH401 $PBDIJOH"OE$PVOTFMMJOH4LJMM
5SFBTVSZ'PS0QFSBUJPO $PNQFIFOTJWF$PSSFTQPOEFOU
5SFBTVSZ*OUFSBDUJWF1SJDJOH"OE5SFBTVSZ1SPEVDU $PNQMBJOU.BOBHFNFOU
6KJBO8BQFSE $PNQMJBODF.BOBHFNFOU
8PSLTIPQ ,FTBMBIBO 6UBNB %BMBN 1FNCJBZBBO 6,. %BO 4USBUFHJ $POUSPM0CKFDUJWF'PS*OGPSNBUJPO"OE3FMBUFE5FDIOPMPHZ'PVOEBUJPO

%BMBN&LTQBOTJ6,.
$PSQPSBUF$VMUVSF
8PSLTIPQ$BSB+JUV.FOHFMPMB%BO.FOHVLVS3JTJLP)VLVN1FSCBOLBO
$PSQPSBUF&WFOU.BOBHFNFOU
8PSLTIPQ%BO6BOH4BLV/BTJPOBM)BSJ%FOHBO5FNB,SFEJU4JOEJLBTJ
$SFEJU3FWJFXFS.JLSP
8PSLTIPQ,SFEJU.JLSP4JNVMBTJ-FOHLBQ*NQMFNFOUBTJ%JWJTJ6OJU,SFEJU
.JLSP $VTUPNFS/VSUVSJOH
8PSLTIPQ.FBTVSFNFOU"QQSPBDI "."
.PEFMJOH $VTUPNFS3FMBUJPOTIJQ.BOBHFNFOU
8PSLTIPQ.FBTVSJOH1SPNPUJPO&GGFDUJWFOFTT %BNQBL3JTJLP)VLVN5FSIBEBQ1SPTFT1FNCFSJBO,SFEJU
8PSLTIPQ .FOZVTVO ,FSBOHLB 4USBUFKJL 3FODBOB #JTOJT #BOL %BO &GGFDUJWF(SBGPOPNJ ,:$"OUJ.POFZ-BVOEFSJOH
.FOHVKJ"TVNTJ.FMBMVJ'JOBODJBM.PEFMMJOH
&GGFDUJWF.BSLFUJOH$PNNVOJDBUJPO
8PSLTIPQ/BTJPOBM"TQFL)VLVN&LTFLVTJ"UBT+BNJOBO,SFEJU
&GGFDUJWF5JNF.BOBHFNFOU
8PSLTIPQ 1FSTJBQBO *NQMFNFOUBTJ 5FLOPMPHJ ,BUV $IJQ /4*$$4

&NPOFZ
"EWBODF
&WBMVBTJ1FMBLTBOBBO#BOL*OEPOFTJB4JTUFN-BZBOBO,BT #*4*-,
8PSLTIPQ2VBMJUZ"TTVSBODF
&WBMVBTJ1FMBLTBOBBO0QFSBTJPOBM1FSLBTBO
8PSLTIPQ4FMVL#FMVL5SBEF'JOBODF%BMBN3BOHLB.FOJOHLBULBO 'FF
#BTFE*ODPNF 'PSFOTJD"DDPVOUJOH"OE*OWFTUJHBUF"VEJUJOH
'SBVE"VEJUJOH
No. Diklat Grade 6
"DDPVOU0GmDFS,POTVNFS 'SBVE"VEJUJOH
"DDPVOU0GmDFS.JLSP 'SBVE"VEJUJOH
"ENJOJTUSBTJ,SFEJU 'VOE5SBOTGFS1SJDJOH
"ENJOJTUSBTJ,SFEJU%BO#JTOJT-FHBM 'VOEBNFOUBMT0G$PSQPSBUF'JOBODF
"LVOUBOTJ%FSJWBUJG%BO*OTUSVNFO,FVBOHBO-BJOOZB )PX5P$SFBUF-4.,8JUI9#3-
"LVOUBOTJ1SPEVL%FWJTB )VLVN,FQBJMJUBO
7 "OBMJT,13 )VLVN,POUSBL,POTUSVLTJ
"OBMJTB,SFEJU,PNFSTJBM *EFOUJmLBTJ 1FSNBTBMBIBO %BMBN .FMBLVLBO 4FMG "TTFTTNFOU "UBT

5JOHLBU,FTFIBUBO#BOL4FSUB.FLBOJTNF,POTPMJEBTJ-BQPSBO5LT#BOL
"16115 ,POWFOTJPOBM
"TTFU-JBCJMJUJFT.BOBHFNFOU "-."
*NQMFNFOUBTJ%BO*NQMJLBTJ)BL5BOHHVOHBO%BO'JEVTJB
"TTFU-JBCJMJUZ.BOBHFNFOU 'JYFE*ODPNF"OE.JOJ3FQP *OUFSOBUJPOBM5SBEF'JOBODJOH
#BTJD$VTUPEZ5SBJOJOH *OUSPEVDUJPO5P"TTFU-JBCJMJUZ.BOBHFNFOU
#BTJD%FSJWBUJWF *OWFTUJHBTJ 'SBVE 1BEB #JTOJT .PCJMF #BOLJOH %BO 1FODFHBIBOOZB

%FOHBO1FOFSBQBO.BOBKFNFO3JTJLPIT1FSCBOLBO
#BTJD-JGF4VQQPSU
*OWFTUPS$PNNVOJDBUJPO4IBSF)PMEFS.BOBHFNFU'PS1VCMJD$PNQBOZ
#BTJD5SBEF'JOBODF
*40
#BTJD5SFBTVSZ.BOBHFNFOU
IT1SPKFDU.BOBHFNFOU#BTFE0O1.#0,
#FBVUZ$MBTTCBOLbjb$BCBOH,BSBXBOH
IT3JTL.BOBHFNFOU
#JNCJOHBO5FLOJT.BOBKFNFO-PHJTUJL
+PC&WBMVBUJPO"OE%FWFMPQNFOU4BMBSZ
#JTOJT-FHBM
,FTFLSFUBSJBUBO
,FXBTQBEBBO %BO 5BOUBOHBO #BOL %J #JEBOH 1FOHBXBTBO %BO
$BTI.BOBHFNFOU 1FOHFOEBMJBO ',%,1

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
SUMBER DAYA MANUSIA

,OPXJOH:PVSTFMG 30,PNFSTJBM
,VQBT5VOUBT1FOFSBQBO14", 30,13
-FHBM%SBGUJOH"OE8SJUJOH 31(*71SPHSBNNJOH#BTJD5P"EWBODF
-PBO.POJUPSJOH4VQFSWJTJPO 31(*71SPHSBNNJOH'SPN#BTJD5P"EWBODF8PSLTIPQ
.BDSP&DPOPNJD"OBMZTJT 4BMFT1SFTFOUBUJPO4LJMM
.BOBHJOHIT3JTLo4FSJFT (3$*5(07
4BMFT1SFTFOUBUJPO4LJMM
.BOBHJOHIT3JTLo4FSJFT (3$*5(07
4DIPPM0G#POET"OE'JYFE*ODPNF
.BOBKFNFO,PQFSBTJ 4FMMJOH8JUI$IBSBDUFS4FDPOE-FWFM
.BOBKFNFO3JTJLP 4FNJOBS*OEPOFTJB$ZCFS$SJNF4VNNJU
.BOBKFNFO4USBUFHJT%BO1FOHBNCJMBO,FQVUVTBOEFOHBO.FUPEF"/1 4FNJOBS1-5&

")1
4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM
.FBTVSFNFOU"QQSPBDI "."
.PEFMJOH
4FSWJDF&YDFMMFOU4UBOEBS-BZBOBO#BHJ1FNJNQJO,$1
.FUPEF1FOFHBLBO,FQBUVIBO1BEB*OUFSOBM1FSCBOLBO
4FSWJDF-FBEFSTIJQ
77 .JDSPTPGU&YDFM"EWBODFE'PS#VTJOFTT "DDPVOUJOH"OE.BOBHFNFOU
4,/#*
.PCJMF"QQMJDBUJPO%FWFMPQNFOU'PS"OESPJE
4LOCJ %IO%BO0VUJOH,PNVOJUBT,MJSJOH+BLBSUB
0GmDFS1SPHSBN
4UBOEBSE0QFSBUJOH1SPDFEVSF
0QFSBTJPOBM1FSCBOLBO#BHJ0GmDFS
4USFTT.BOBHFNFOU
0QFSBUJPOBM3JTL.BOBHFNFOU
4USFTT5FTUJOH0O#BOLJOH3JTL&YQPTVSF
0QUJNJ[JOH0GmDFS4LJMMT
5BY4VNNJU
0VUCPOE$BCBOH#BMBSBKB
5FLOJL&GFLUJG1FOHBNBOBO/BTBCBI1FSCBOLBO5FSIBEBQ$ZCFS$SJNF
1FOEJEJLBO1SPGFTJ-BOKVUBO8BQFSE
5FLOJL1SPUPLPMFS4FCBHBJ'VOHTJ1VCMJD3FMBUJPO
1FOHBEBBO#BSBOH%BO+BTBIT1FSCBOLBO
5FNVBO1FSNBTBMBIBO1TBL
%BO1TBL
1FOJMBJBO"TFU%BO1FOJMBJBO6TBIB
5IF1SPQIFUJD8JTEPN4FSJ/VI4BOH7JTJPOFS
1FSIJUVOHBO,FTFIBUBO#BOL
1FSQBKBLBOý11)1BTBM6QEBUF 415#FOUVL#BSV &4155BIVOý
5JNF.BOBHFNFOU
1PXFSGVMM%BUBCBTF"OBMZTJT%BTICPBSE3FQPSUJOH8JUI&YDFM
5JNF.BOBHFNFOU
1PXFSGVMM%BUBCBTF"OBMZTJT%BTICPBSE3FQPSUJOH8JUI&YDFM
5PU4BMFTNBOTIJQ'PS4FSWJDF1FPQMF
1PXFSGVMM4LJMM'PS.BSLFUJOH$PNNVOJDBUJPO
5PU1SPHSBN#/15,*
1QO6QEBUF
5SBJOGPS5SBJOFS 505
1SJDF'PSFDBTUJOH"OE5SFBTVSZ3JTL$POUSPM
5SBJOJOH"TQFL)VLVN4JOEJLBTJ1SPZFL+BMBO5PM
1SJPSJUZ#BOLJOH"OE8FBMUI.BOBHFNFOU
5SBJOJOH&NQIBUJD1SFTFOUJOH4IBSQFOFS
5SBJOJOH*OGPSNBUJPO5FDIOPMPHZ"VEJUJOH
1SPGFTTJPOBM'JOBODJBM.PEFMMFS 1'.
5SBJOJOHIT1SPKFDU.BOBHFNFOU#BTFE0O1.#0,
1SPKFDU.BOBHFNFOU0GmDF
5SBJOJOH,VQBT5VOUBT1QI#BEBO%BO,PSFLTJ'JTLBM
5SBJOJOH/FFE"OBMZTJT
1SPQIFUJD8JTEPN&OSJDIJOH$IBSBDUFS
5SBJOJOH1TJLPMPHJ%BO5FLOJL,PNVOJLBTJ"VEJU
5SBJOJOH4PQ
3FMBUJPOTIJQ0GmDFS,13
5SFBTVSZ.BOBHFNFOU
3JTL#BTFE"VEJU"OBMJTB5FNVBO,SFEJU
6KJ"LVSBTJ%BMBN.FOHIJUVOH .FOJMBJ %BO.FOHFWBMVBTJ*33##
3JTL#BTFE"VEJU ,POTFQ%BO*NQMFNFOUBTJ
6KJBO4FSUJmLBTJ$'&
3JTL.BOBHFNFOU
6KJBO4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
267
HUMAN RESOURCES

6KJBO8BQFSE .BOBKFNFO3JTJLP
6OEFSTUBOEJOH'90QUJPO#VTJOFTT1SBDUJDF .BOBKFNFO3JTJLP
8FBMUI.BOBHFNFOU"OE'JOBODJBM1MBOOJOH .BTUFSJOH*U1SPKFDU.BOBHFNFOU#BTFE0O1NCPL
8PSLTIPQ"OBMZTJT*NQMFNFOUBUJPO8JUI&YDFM'PS)3/PO)3 0QFSBTJPOBM1FSCBOLBO#BHJ0GmDFS
8PSLTIPQ"VEJU,IVTVT6OUVL1FOHVOHLBQBO,FDVSBOHBO*OUFSOBM 0VUCPOE
8PSLTIPQ$BSB+JUV.FOHFMPMB%BO.FOHVLVS3JTJLP)VLVN1FSCBOLBO 1FMBUJIBO&NPOFZ
8PSLTIPQ$PSQPSBUF'JOBODF 1FOHBEBBO#BSBOH%BO+BTBIT1FSCBOLBO
8PSLTIPQ$SFEJU"VEJU 1FOHFOBMBO%BO1FOHFNCBOHBO"5./%$
8PSLTIPQ%BO6BOH4BLV/BTJPOBM)BSJ%FOHBO5FNB,SFEJU4JOEJLBTJ 1FOJMBJBO"TFU%BO1FOJMBJBO6TBIB
8PSLTIPQ(FOFSBUJPO:*O5IF8PSLQMBDF 1FOZFMFTBJBO4FOHLFUB.FMBMVJ+BMVS-JUJHBTJ
8PSLTIPQ*$""1 1SPQIFUJD8JTEPN&OSJDIJOH$IBSBDUFS
8PSLTIPQ*NQMFNFOUBTJ1SJOTJQ($( 4BMFT1SFTFOUBUJPO4LJMM
8PSLTIPQ ,FQBJMJUBO %BNQBLOZB 5FSIBEBQ #BOL 4FMBLV ,SFEJUVS 4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM
/PWFNCFS
.PEFMJOH
4,/#*"OHLBUBO
8PSLTIPQ.FBTVSJOH1SPNPUJPO&GGFDUJWFOFTT
4USFTT.BOBHFNFOU
8PSLTIPQ1BOEVBO.FODBQBJ(DH1FSJOHLBU%BO6KJ4USBUFHJ.FMBMVJ
3PPU$BVTFE1BEB3JTL0XOFS 5JNF.BOBHFNFOU
8PSLTIPQ1FOZFMFTBJBO)VCVOHBO*OEVTUSJBM1FSVTBIBBO 5JNF.BOBHFNFOU
8PSLTIPQ 1FOZVTVOBO -BQPSBO %FXBO ,PNJTBSJT :BOH ,PNQSFIFOTJG 5PU1SPHSBN#/15,*

%BO&GFLUJG
5SBJO'PS5SBJOFS 505
8PSLTIPQ1FOZVTVOBO-FHBM%SBGUJOH8SJUJOH1FSVTBIBBO
5SBJOJOH#VTJOFTT"OBMZTJT'PVOEBUJPO
8PSLTIPQ1PXFSGVM$PNNVOJDBUJPO"OE4NBSU/FHPUJBUJPO
8PSLTIPQ1PXFSGVMM4LJMMT'PS.BSLFUJOH$PNNVOJDBUJPOT
8PSLTIPQ#1%4FMVSVI*OEPOFTJB%BMBN3BOHLB1FOJOHLBUBO,BQBTJUBT
8PSLTIPQ2VBMJUZ"TTVSBODF4FCBHBJ5FIOJL1FOHVBUBO*OUFSOBM$POUSPM 1FNCJBZBBO1FSVNBIBO
%BO .FNJUJHBTJ 3JTJLP 0QFSBTJPOBM 4FKBMBO %FOHBO 1#* /P
8PSLTIPQ)BL5BOHHVOHBO
1#*
8PSLTIPQ 4JNVMBTJ *NQMFNFOUBTJ 1TBL %BO 1FSIJUVOHBO 1FSQBKBLBO
%BMBN5SBOTBLTJ%BOB1JIBL,FUJHB#BOL (BUIFSJOH%BO4IBSJOH*OGPSNBTJ4FSUB4PTJBMJTBTJ,MJSJOH(FOFSBTJ*J
8PSLTIPQ4USBUFHJ1FOVSVOBO/1-,SFEJU,POTVNFS,SFEJU3FUBJM6OUVL IT1SPKFDU.BOBHFNFOU#BTFE0O1.#0,
.FOKBHB"TTFU#BOL
IT3JTL.BOBHFNFOU
8PSLTIPQ5SBOTBLTJ1FOJMBJBO"HVOBO,SFEJU
,FTFLSFUBSJBUBO
No. Diklat Grade 7 ,OPX:PVS$VTUPNFS"OE"OUJ.POFZ-BVOESZ
"TQFL)VLVN,FQBJMJUBO ,OPXJOH:PVSTFMG
"TQFL)VLVN1FNCJBZBBO1FSVNBIBO4FLVSJUJTBTJ,13%J*OEPOFTJB .BOBKFNFO,PQFSBTJ
$IBOHF"HFOU .BTUFSJOH&YDFM'PS0GmDF%BUB1SPDFTTJOH4ZTUFN
$PBDIJOH"OE$PVOTFMMJOH .FBTVSFNFOU"QQSPBDI "NB
.PEFMJOH
$PBDIJOH"OE$PVOTFMMJOH4LJMM .FOUBMJUZ#PPTUFS5SBJOJOH
$PTU#FOFmU"OBMZTJT /PO1FSGPSNJOH-PBO.BOBHFNFOU'PS,SFEJU6TBIB3BLZBU
7 $SFEJU3FWJFXFS.JLSP 0%$1
'VOE5SBOTGFS1SJDJOH 0GmDF$IBOOFMJOH
*NQMFNFOUJOH42-4FSWFS%BUB8BSFIPVTF 0GmDFS1SPHSBN
*NQMFNFOUJOH42-4FSWFS%BUB8BSFIPVTF 0QFSBTJPOBM#BOL%BTBS
*OWFTUPS$PNNVOJDBUJPO4IBSF)PMEFS.BOBHFNFU'PS1VCMJD$PNQBOZ 0QFSBUJPOBM3JTL.BOBHFNFOU
*40 0VUCPOE$BCBOH#BMBSBKB
.BOBHJOHIT3JTL 1FEPNBO"LVOUBOTJ1FSCBOLBO*OEPOFTJB
.BOBKFNFO,PQFSBTJ

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
SUMBER DAYA MANUSIA

1FNFSJLTBBO1BKBL 5BUBDBSB1FOHBKVBO1FOZFMFTBJBO,FCFSBUBO%BO 8PSLTIPQ4FMVL#FMVL5SBEF'JOBODF%BMBN3BOHLB.FOJOHLBULBO 'FF
,FXBKJCBO 1FSQBKBLBO #VMBOBO 5BIVOBO 4FSUB 5BUBDBSB 1FOHJTJBO 415 #BTFE*ODPNF
5BIVOBO 11)8101#BEBO5BIVO1BKBL'PSNBU#BSV
1FOHBEBBO#BSBOH%BO+BTB No. Diklat Grade 8

"DDPVOUJOH$PODFQU'PS$SFEJU"OBMZTJT
1FOJMBJBO %BO 1FOJOHLBUBO 4FSWJDF 2VBMJUZ %FOHBO 4JY 4JHNB .FUIPEF
6OUVL,FQVBTBO "ENJOJTUSBTJ,SFEJU%BO#JTOJT-FHBM
1FOZFMFTBJBO4FOHLFUB.FMBMVJ+BMVS-JUJHBTJ "LVOUBOTJ#BOL-BOKVUBO
1PXFSGVMM%BUB"OBMZTJT"OE3FQPSUJOH8JUI&YDFM "LVOUBOTJ#BOL-BOKVUBO"OHLBUBO
1SPEVDU,OPXMFEHF3FLTBEBOB "LVOUBOTJ1SPEVL%FWJTB
3FGSFTINFOU.BOBKFNFO3JTJLP "-."
3FGSFTINFOU1SPEVDU,OPXMFEHF3FLTBEBOB 7 "NB[JOH1VCMJD4QFBLJOH
3FMBUJPOTIJQ0GmDFS,13"OHLBUBO "OBMJT,SFEJU,PNFSTJBM
30,PNFSTJBM "OBMJTB#FCBO,FSKB%BO1FOZVTVOBO,1*
30,13 "OBMJTB,SFEJU,PNFSTJBM
4FMMJOH8JUI$IBSBDUFS4FDPOE-FWFM "0,POTVNFS
4FNJOBS.BLJOH5IF:FBS0G&DPOPNJDT#VTJOFTT$POmEFODF "16115
4,/#* "16115
4PTJBMJTBTJ1SPHSBN%6V.BUB6BOH1FUVHBT,MJSJOH "TTFU-JBCJMJUJFT.BOBHFNFOU "MNB
4USBUFHJ 1FOZFMBNBUBO 1FOZFMFTBJBO /1- 4FSUB 3FTUSVLUVSJTBTJ ,SFEJU #BTJD4UBUJTUJD"OE%BUB"OBMZTJT

1FSCBOLBO4XBTUB #6./#6./%
#BTJD5SBEF'JOBODF
4USBUFHZ.FNCBOHVO401,1*#FSCBTJT#4$
#BTJD5SFBTVSZ'PS*OUFSOBM"VEJUPS
4USFTT.BOBHFNFOU
#BTJD5SFBTVSZ.BOBHFNFOU
4USVDUVSFE5SBEF'JOBODF
77 5IFOE*OEPOFTJB.BSLFUFFST'FTUJWBM
#JTOJT-FHBM"OHLBUBO
5IF1SPQIFUJD8JTEPN4FSJ/VI4BOH7JTJPOFS
#VJMEJOH:PVS)VNBO$BQJUBM$PNQFUJUJWFOFT5ISPVHI)3*4
5JNF.BOBHFNFOU
$BTI.BOBHFNFOU
5JNF.BOBHFNFOU
$FSUJmFE)VNBO3FTPVSDFT.BOBHFNFOU1SPGFTTJPOBM
5054BMFTNBOTIJQ'PS4FSWJDF1FPQMF
$IBOHF"HFOU
$PSQPSBUF$VMUVSF
5SBJOJOH401
$PSQPSBUF-FHBM#BOLJOH4IPSU$PVSTF
5SFBTVSZ'PS0QFSBUJPO
$PTU#FOFmU"OBMZTJT
$SFEJU3FWJFXFS.JLSP"OHLBUBO
6KJBO8BQFSE
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8PSLTIPQ ,FTBMBIBO 6UBNB %BMBN 1FNCJBZBBO 6LN %BO 4USBUFHJ
%BMBN&LTQBOTJ6LN $VTUPNFS3FMBUJPOTIJQ.BOBHFNFOU
8PSLTIPQ$BSB+JUV.FOHFMPMB%BO.FOHVLVS3JTJLP)VLVN1FSCBOLBO $VTUPNJ[FE7#OFU"41OFU
8PSLTIPQ%BO6BOH4BLV/BTJPOBM)BSJ%FOHBO5FNB,SFEJU4JOEJLBTJ %BNQBL3JTJLP)VLVN5FSIBEBQ1SPTFT1FNCFSJBO,SFEJU
8PSLTIPQ,SFEJU.JLSP4JNVMBTJ-FOHLBQ*NQMFNFOUBTJ%JWJTJ6OJU,SFEJU &GGFDUJWF(SBGPOPNJ ,ZD"OUJ.POFZ-BVOEFSJOH

.JLSP
&GGFDUJWF.BSLFUJOH$PNNVOJDBUJPO
.PEFMJOH
&GGFDUJWF1SFTFOUBUJPO4LJMM
8PSLTIPQ.FBTVSJOH1SPNPUJPO&GGFDUJWFOFTT
&OUFSQSJTF3JTL.BOBHFNFOU
8PSLTIPQ .FOZVTVO ,FSBOHLB 4USBUFKJL 3FODBOB #JTOJT #BOL %BO
.FOHVKJ"TVNTJ.FMBMVJ'JOBODJBM.PEFMMJOH &YFDVUJWF$PSQPSBUF-BX
8PSLTIPQ/BTJPOBM"TQFL)VLVN&LTFLVTJ"UBT+BNJOBO,SFEJU 'SBVE"VEJUJOH
8PSLTIPQ 1FSTJBQBO *NQMFNFOUBTJ 5FLOPMPHJ ,BUV $IJQ /4*$$4

'VOE5SBOTGFS1SJDJOH
"EWBODF 'VOEBNFOUBMT0G$PSQPSBUF'JOBODF
8PSLTIPQ2VBMJUZ"TTVSBODF (VBSBOUFF

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
269
HUMAN RESOURCES

)PX5P$SFBUF-4.,8JUI9#3- 2VBMJUZ"TTVSBODF4FCBHBJ5FIOJL1FOHVBUBO1FOFSBQBO*OUFSOBM$POUSPM
)140&5FLOJL.FNFOBOHLBO5FOEFS#BSBOH+BTB 3FGSFTINFOU.BOBKFNFO3JTJLP
)VLVN,FQBJMJUBO 3FGSFTINFOU1SPEVDU,OPXMFEHF3FLTBEBOB
)ZQOPTFMMJOH 3JTL#BTFE"VEJU"OBMJTB5FNVBO,SFEJU
*NQMFNFOUBTJ%BO*NQMJLBTJ)BL5BOHHVOHBO%BO'JEVTJB 30,PNFSTJBM
*OUSPEVDUJPO5P"TTFU-JBCJMJUZ.BOBHFNFOU 30,13
*OUSPEVDUJPO5P4XJGU*O5IF1BZNFOU.BSLFU 4BMFT1MBO
,FXBTQBEBBO %BO 5BOUBOHBO #BOL %J #JEBOH 1FOHBXBTBO %BO 4BMFT1SFTFOUBUJPO4LJMM

1FOHFOEBMJBO ',%,1
4BMFT1SFTFOUBUJPO4LJMM
,OPXJOH:PVSTFMG
4FNJOBS*OEPOFTJB$ZCFS$SJNF4VNNJU
,POUSPM*OUFSOBM$BCBOH
4FNJOBS1PXFS1SPTQFDUJOH5FDIOJRVFT5P5SJQMF4BMFT
-FHBM"VEJU"OE-FHBM0QJOJPO%SBGUJOH
4FNJOBS3JTL.BOBHFNFOU6OUVL-FNCBHB,FVBOHBO/PO#BOL
-FHBM%SBGUJOH8SJUJOH
-FHBM%SBGUJOH"OE8SJUJOH
.BOBHFNFOU$BSFFS
.BOBHJOHIT3JTL
.BOBKFNFO,PQFSBTJ
4FSWJDF&YDFMMFOU4UBOEBS-BZBOBO#BHJ1FNJNQJO,$1"OHLBUBO
.BOBKFNFO3JTJLP
4FSWJDF-FBEFSTIJQ
.BOBKFNFO4USBUFHJT%BO1FOHBNCJMBO,FQVUVTBO%FOHBO.FUPEF"/1
")1 4,/#*
.BOBKFS-JOJ1FSUBNB 4,/#* %)/%BO0VUJOH,PNVOJUBT,MJSJOH+BLBSUB
.BSLFU0VUMPPL*OWFTUNFOU 4USBUFHJ"OUJ'SBVE#BOLJOH
.BTUFSJOH&YDFM'PS0GmDF%BUB1SPDFTTJOH4ZTUFN 4USBUFHJ1FOBHJIBO1JVUBOH.BDFU
.BTUFSJOHIT1SPKFDU.BOBHFNFOU#BTFE0O1.#0, 4USBUFHJ1FOZFMFTBJBO,SFEJU#FSNBTBMBI%FOHBO5FLIOJL3FNFEJBM%BO

5FLIOJL-JUJHBTJ
4USBUFHZ.FNCBOHVO4PQ,QJ#FSCBTJT#4$
.JDSPTPGU&YDFM"EWBODFE'PS#VTJOFTT "DDPVOUJOH"OE.BOBHFNFOU
4USFTT.BOBHFNFOU
0QFSBTJPOBM1FSCBOLBO#BHJ0GmDFS
4USFTT5FTUJOH0O#BOLJOH3JTL&YQPTVSF
0QFSBTJPOBM3JTL.BOBHFNFOU
0VUCPOE
4UVEJ,FMBZBLBO*OWFTUBTJ
5FLOJL.FUPEF)140&"UBT1FOHBEBBO#BSBOH+BTB
1FOHFNCBOHBO'JUVS"5.%J%VOJB1FSCBOLBO
5FLOJL"OBMJTB5SBOTBLTJ,FVBOHBO.FODVSJHBLBO
1FOHHVOBBO 1SPEVL %BMBN /FHFSJ %BO 5BUB $BSB 1FSIJUVOHBO 5JOHLBU
,PNQPOFO 5IFOE*OEPOFTJB.BSLFUFFST'FTUJWBM
%"-". 4PTJBMJTBTJ1SPHSBN%6V.BUB6BOH1FUVHBT,MJSJOH 5IF1SBDUJDBM6TF0G'JEJD$POUSBDU

/&(&3*
5JNF.BOBHFNFOU
5,%/
5JNF.BOBHFNFOU
77 1FOJMBJBO"TFU%BO1FOJMBJBO6TBIB
1FOJMBJBO"TTFU"QSBJTBM1FSVTBIBBO
5PU1SPHSBN#OQULJ
5SBJO'PS5SBJOFS 505
$VTUVNFS3FMBUJPOTIJQ.BOBHFNFOU'PS#BOLJOH*OEVTUSZ
11-8BQFSE
&NQIBUJD1SFTFOUJOH4IBSQFOFS
1SJPSJUZ#BOLJOH"OE8FBMUI.BOBHFNFOU
*NQSPWJOH$PNQFUFODZ'PS"VEJUJOH5SBEJOH
1SPDVSFNFOU1VSDIBTJOH.BOBHFNFOU
/FFET"OBMZTJT
1SPQIFUJD8JTEPN&OSJDIJOH$IBSBDUFS
401

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
SUMBER DAYA MANUSIA

5SFBTVSZ'PS0QFSBUJPO 'JOBODJBM.PEFMMJOH'PS#BOLT
5SFBTVSZ*OUFSBDUJWF1SJDJOH"OE5SFBTVSZ1SPEVDU 'JOBODJBM.PEFMMJOH'PS$PSQPSBUF#VEHFUJOH$POTPMJEBUJPO
5SFBTVSZ.BOBHFNFOU 'JOBODJBM.PEFMMJOH'VOEBNFOUBM"OE4FOTJUJWJUZ4DFOBSJP
6KJBO4FSUJmLBTJ$'& 'VOE5SBOTGFS1SJDJOH
6KJBO4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM )VLVN,FUFOBHBLFSKBBO)VCVOHBO*OEVTUSJBM
6KJBO4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM )ZQOPTFMMJOH
8BQFSE *$$0QJOJPOT"OE-FBEJOH$PVSU$BTFT
8FBMUI.BOBHFNFOU"OE'JOBODJBM1MBOOJOH *NQMFNFOUBTJ%BO*NQMJLBTJ)BL5BOHHVOHBO%BO'JEVTJB
8PSLTIPQ"OBMZTJT*NQMFNFOUBUJPO8JUI&YDFM'PS)3/PO)3 ,SFEJU.JLSP4JNVMBTJ-FOHLBQ*NQMFNFOUBTJ%JWJTJ6OJU,SFEJU.JLSP
"VEJU,IVTVT6OUVL1FOHVOHLBQBO,FDVSBOHBO*OUFSOBM -FHBM%SBGUJOH8SJUJOH
#JNUFL 1FSQFT /P 5I +PQFSQSFT /P 5I 5FOUBOH -FHBM%SBGUJOH"OE8SJUJOH
1FOHBEBBO#BSBOH+BTB1FNFSJOUBI
-JRVJEJUZ.BOBKFNFO
)BL5BOHHVOHBO
.BOBKFNFO4USBUFHJT%BO1FOHBNCJMBO,FQVUVTBO%FOHBO.FUPEF"/1
)PX5P)BOEMF$PNQMBJOU1SPGFTTJPOBMMZ ")1
*$$0QJOJPOT"OE-FBEJOH$PVSU$BTFT .BOBKFS-JOJ1FSUBNB
.FOJOHLBULBO1FOHFMPMBBO3JTJLP,SFEJU .JDSPTPGU&YDFM"EWBODFE'PS#VTJOFTT "DDPVOUJOH"OE.BOBHFNFOU
.FOZVTVO,FSBOHLB4USBUFKJL3FODBOB#JTOJT#BOL%BO.FOHVKJ"TVNTJ 0QFSBTJPOBM1FSCBOLBO#BHJ0GmDFS"OHLBUBO

.FMBMVJ'JOBODJBM.PEFMMJOH
0QFSBTJPOBM1FSCBOLBO#BHJ0GmDFS"OHLBUBO
1FOHFOEBMJBO(SBUJmLBTJ8IJTUMFCMPXJOH
0QFSBTJPOBM1FSCBOLBO#BHJ0GmDFS"OHLBUBO
1PXFSGVM$PNNVOJDBUJPO"OE4NBSU/FHPUJBUJPO
0VUCPOE
2VBMJUZ"TTVSBODF
4JNVMBTJ *NQMFNFOUBTJ 14", %BO 1FSIJUVOHBO 1FSQBKBLBO %BMBN
5SBOTBLTJ%BOB1JIBL,FUJHB#BOL 1FOEJEJLBO1SPGFTJ-BOKVUBO8BQFSE
4USBUFHJ1FOVSVOBO/QM,SFEJU,POTVNFS,SFEJU3FUBJM6OUVL.FOKBHB 1FOHHVOBBO 1SPEVL %BMBN /FHFSJ %BO 5BUB $BSB 1FSIJUVOHBO 5JOHLBU
"TTFU#BOL ,PNQPOFO%BMBN/FHFSJ 5,%/
5SBOTBLTJ1FOJMBJBO"HVOBO,SFEJU 1FOHVLVSBO&mTJFOTJ,BOUPS$BCBOH%FOHBO.FUPEF%&"
No. Diklat Grade 9
1FOZVTVOBO401
,FTBMBIBO 6UBNB %BMBN 1FNCJBZBBO 6,. %BO 4USBUFHJ %BMBN
&LTQBOTJ6,. 1FSTJBQBO6KJBO4FSUJmLBTJ8BQFSE &MFBSOJOH
%JHJUBM.BSLFUJOH 1PXFSGVM$PNNVOJDBUJPO"OE4NBSU/FHPUJBUJPO
"ENJOJTUSBTJ,SFEJU%BO#JTOJT-FHBM 1SPCMFN4PMWJOH"OE%FDJTJPO.BLJOH
"LVOUBOTJ"TVSBOTJ6QEBUF4FTVBJ14", 14",%BO14", 1SPGFTTJPOBM'JOBODJBM.PEFMMFS 1'.
"LVOUBOTJ#BOL-BOKVUBO 1SPQIFUJD8JTEPN&OSJDIJOH$IBSBDUFS
"LVOUBOTJ1SPEVL%FWJTB 3FGSFTINFOU.BOBKFNFO3JTJLP
7 "OBMJTB1FNCJBZBBO,SFEJU*OWFTUBTJ)PUFM 30,PNFSTJBM"OHLBUBO
"16115 4BMFT1SFTFOUBUJPO4LJMM
"16115 4BMFT1SFTFOUBUJPO4LJMM
4"41SPHSBNNJOH
#BOL(BSBOTJ4VSFUZ#POE4UBOECZ-$ 4FNJOBS5SBEJOH'SBVET*O"O6ODFSUBJO&DPOPNJD$MJNBUF
#BTJD5SFBTVSZ.BOBHFNFOU 4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM
$PNQSFIFOTJWF$PSSFTQPOEFOU#BOLJOH 4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM
$PTU#FOFmU"OBMZTJT 4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM
$VTUPNFS/VSUVSJOH 4FSWJDF&YDFMMFOU4UBOEBS-BZBOBO#BHJ1FNJNQJO,DQ"OHLBUBO
&GGFDUJWF.BSLFUJOH$PNNVOJDBUJPO 4FSWJDF-FBEFSTIJQ
&LTFLVTJ+BNJOBO)VUBOH.JMJL1FSCBOLBO 4,/#*"OHLBUBO
&WBMVBTJ%BO1FOFOUVBO-PLBTJ+BSJOHBO 4,/#*"OHLBUBO

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
271
HUMAN RESOURCES

4NBSU"OE)ZQOPTFMMJOH -JRVJEJUZ.BOBKFNFO
4USBUFHJ"OUJ'SBVE#BOLJOH .BOBKFS-JOJ1FSUBNB
4USBUFHJ1FOBHJIBO1JVUBOH.BDFU .BOHFS-JOJ1FSUBNB .-1
4USBUFHJ 1FOZFMBNBUBO 1FOZFMFTBJBO /1- 4FSUB 3FTUSVLUVSJTBTJ ,SFEJU .FOUBMJUZ#PPTUFS5SBJOJOH

1FSCBOLBO4XBTUB #6./#6./%
0VUCPOE
4UVEJ,FMBZBLBO*OWFTUBTJ
4VQQMZ$IBJO
"16115
5FLOJL1FOZVTVOBO401
$FSUJmFE*OGPSNBUJPO4ZTUFN"VEJUPS
5JNF.BOBHFNFOU
$POUSPM0CKFDUJWF'PS*OGPSNBUJPO"OE3FMBUFE5FDIOPMPHZ'PVOEBUJPO
5JNF.BOBHFNFOU
*NQMFNFOUBTJ%BO*NQMJLBTJ)BL5BOHHVOHBO%BO'JEVTJB
5051SPHSBN#/15,*
,POUSPM*OUFSOBM$BCBOH"OHLBUBO
5SBJO'PS5SBJOFS 5PU
,POUSPM*OUFSOBM$BCBOH"OHLBUBO
5SBJOJOH$VTUVNFS3FMBUJPOTIJQ.BOBHFNFOU'PS#BOLJOH*OEVTUSZ
5SBJOJOH&NQIBUJD1SFTFOUJOH4IBSQFOFS
1FSIJUVOHBO,FTFIBUBO#BOL
5SBJOJOH'PS5SBJOFST
1SPCMFN4PMWJOH%FDJTJPO.BLJOH
77 5SFBTVSZ*OUFSBDUJWF1SJDJOH"OE5SFBTVSZ1SPEVDU
6KJBO4FSUJmLBTJ8BQFSE
4USBUFHJ1FOZFMFTBJBO,SFEJU#FSNBTBMBI%FOHBO5FLIOJL3FNFEJBM%BO
5FLIOJL-JUJHBTJ
No. Diklat Grade 10
5SBJO'PS5SBJOFS 505
"ENJOJTUSBTJ,SFEJU%BO#JTOJT-FHBM
"-."
1SPCMFN4PMWJOH"OE%FDJTJPO.BLJOH
"16115
#BTJD"VEJU5FDIOJRVFT5PPMT'PS/FX"VEJUPS
#BTJD-JGF4VQQPSU
#BTJD5SBEF'JOBODF
4BMFT1MBO
7 #FBVUZ$MBTTCBOLbjb$BCBOH,BSBXBOH
$BSB-JHBU.FMBLTBOBLBO1IL5BOQB,POnJL
4FSWJDF&YDFMMFOU4UBOEBS-BZBOBO#BHJ1FNJNQJO,DQ
$BTI.BOBHFNFOU
4FSWJDF-FBEFSTIJQ
4LOCJ"OHLBUBO
4PTJBMJTBTJ1SPHSBN%6V.BUB6BOH1FUVHBT,MJSJOH
$PSQPSBUF$VMUVSF
4USBUFHJ"OUJ'SBVE#BOLJOH
$VTUPNFS3FMBUJPOTIJQ.BOBHFNFOU
4USFTT.BOBHFNFOU
&GGFDUJWF/FHPUJBUJPO4LJMM
5FLOJL.FUPEF)140&"UBT1FOHBEBBO#BSBOH+BTB
&OUFSQSJTF3JTL.BOBHFNFOU
5SBJOJOH$VTUVNFS3FMBUJPOTIJQ.BOBHFNFOU'PS#BOLJOH*OEVTUSZ
5SBJOJOH1TJLPMPHJ%BO5FLOJL,PNVOJLBTJ"VEJU
)ZQOPTFMMJOH
*NQMFNFOUBTJ5ISFF-JOFT0G%FGFODF
*OUFSNFEJBUF$SFEJU"OBMZTJT
6KJBO4FSUJmLBTJ8BQFSE
6KJBO8BQFSE
,OPXJOH:PVSTFMG
8BQFSE
-FHBM%SBGUJOH8SJUJOH

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
SUMBER DAYA MANUSIA

$PSQPSBUF'JOBODF 1BZNFOU"OE$BTI.BOBHFNFOU
(FOFSBUJPO:*O5IF8PSLQMBDF 1FEPNBO"LVOUBOTJ1FSCBOLBO*OEPOFTJB
.FOJOHLBULBO1FOHFMPMBBO3JTJLP,SFEJU 1FMBUJIBO"LVOUBOTJ#BOL-BOKVUBO"OHLBUBO
/BTJPOBM"TQFL)VLVN&LTFLVTJ"UBT+BNJOBO,SFEJU 1FMBUJIBO"NB[JOH1VCMJD4QFBLJOH
1FSGPSNBODF$PBDIJOH-FBEFS*O"DUJPO 1FMBUJIBO"16115
1PXFSGVM$PNNVOJDBUJPO"OE4NBSU/FHPUJBUJPO 1FMBUJIBO"TTFU-JBCJMJUJFT.BOBHFNFOU "-."
1FMBUJIBO#BOL(BSBOTJ4VSFUZ#POE4UBOECZ-$
No. Diklat Grade 11
1FMBUJIBO*NQMFNFOUBTJ%BO*NQMJLBTJ)BL5BOHHVOHBO%BO'JEVTJB
&UPT,FSKB1SPGFTJPOBM
1FMBUJIBO*OUSPEVDUJPO5P4XJGU*O5IF1BZNFOU.BSLFU
"DDPVOUJOH$PODFQU'PS$SFEJU"OBMZTJT
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.BOBHFSJBM"DDPVOUJOH
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.BOBKFNFO,PQFSBTJ
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"16115
0%$1
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4FSUJmLBTJ%JSFLTJ#13"OHLBUBO
"VEJU-FOHLBQ"UBT5FLOPMPHJ4JTUFN*OGPSNBTJ
#BTJD"VEJU5FDIOJRVFT5PPMT'PS/FX"VEJUPS
4FSUJmLBTJ1FOHBEBBO#BSBOH%BO+BTB
#JNCJOHBO5FLOJT-FHBM%SBGUJOH
4USBUFHJ1FOZFMFTBJBO,SFEJU#FSNBTBMBI%FOHBO5FLIOJL3FNFEJBM%BO
5FLIOJL-JUJHBTJ
#VJME&GGFDUJWF$PNNVOJDBUJPO5P*NQSPWF$1$5
$BTI.BOBHFNFOU
5SBJO'PS5SBJOFS 505
$PSQPSBUF-BX
$PTU#FOFmU"OBMZTJT
$VTUPNFS3FMBUJPOTIJQ.BOBHFNFOU
%BNQBL3JTJLP)VLVN5FSIBEBQ1SPTFT1FNCFSJBO,SFEJU
&GGFDUJWF/FHPUJBUJPO4LJMM
1SJOTJQ1SJOTJQ.FOHFOBM/BTBCBI
1SPCMFN4PMWJOH"OE%FDJTJPO.BLJOH
'PSFOTJD"DDPVOUJOH"OE*OWFTUJHBUF"VEJUJOH
(SBQIPOPNZ
)140&5FLOJL.FNFOBOHLBO5FOEFS#BSBOH+BTB
)ZQOPTFMMJOH
*OUFSNFEJBUF&#BOLJOH
4BMFT1MBO
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4FSWJDF&YDFMMFOU4UBOEBS-BZBOBO#BHJ1FNJNQJO,DQ
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0VUCPOE

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
273
HUMAN RESOURCES

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6KJBO4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM 1SPCMFN4PMWJOH"OE%FDJTJPO.BLJOH
6KJBO4FSUJmLBTJ1FOHBEBBO#BSBOH%BO+BTB 3FGSFTINFOU.BOBKFNFO3JTJLP
6KJBO4FSUJmLBTJ8BQFSE 3FGSFTINFOU1SPEVDU,OPXMFEHF3FLTBEBOB
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5PU1SPHSBN#/15,*
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No. Diklat Grade 13
1FSGPSNBODF.FBTVSFNFOU"OE#BOLJOH.BOBHFNFOU6OJUFE,JOHEPN
(MPCBM5BY$POGFSFODF"TJB1BTJmD

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
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SUMBER DAYA MANUSIA

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4FSUJmLBTJ%JSFLTJ#13"OHLBUBO

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
275
HUMAN RESOURCES

'PS#BOLJOH 3FGSFTINFOU.BOBKFNFO3JTJLP#BOL5SBOTGFS1SJDJOH
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No. Diklat Grade 15
*40
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Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
SUMBER DAYA MANUSIA

#FODINBSLJOH4FTQJCBOL"OHLBUBO 5PU -BOKVUBO 1JMPUJOH 1FNCFOUVLBO 5VOBT *OUFHSJUBT %BO 1FNCBOHVOBO
4JTUFN*OUFHSJUBT0SHBOJTBTJ
&YFDVUJWF$PNNFSDJBM#BOLJOH No. Diklat Grade 19

.BTUFSJOH"TTFU-JBCJMJUZ.BOBHFNFOU (MPCBM5BY$POGFSFODF"TJB1BTJmD
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1FMBUJIBO4USBUFHJD.BOBHFNFOU 7 $BMPO"TTFTPS#JEBOH1FSCBOLBO
4USVDUVSFE5SBEF'JOBODF $PNQMJBODF.BOBHFNFOU
3FGSFTINFOU.BOBKFNFO3JTJLP $SFEJU3JTL.BOBHFNFOU
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*OUFSOBUJPOBM$POGFSFODF0O(SPXUI4USBUFHJFT'PS"3JTJOH*OEPOFTJB
No. Diklat Grade 17
,OPXJOH:PVSTFMG
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1FMBUJIBO4USBUFHJD.BOBHFNFOU
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4FNJOBS1SPTQFL*OWFTUBTJ%BOB1FOTJVO&SB1FNFSJOUBIBO#BSV
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4FNJOBS5FOBHB,FSKB%BO#QKT
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4FNJOBS5SBEJOH'SBVET*O"O6ODFSUBJO&DPOPNJD$MJNBUF
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4FTQJCBOL
No. Diklat Grade 18 4VQQMZ$IBJO

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4JTUFN*OUFHSJUBT0SHBOJTBTJ
.BOBHFNFOU0G/PO1FSGPSNJOH-PBOT

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
277
HUMAN RESOURCES
Unit Penunjang Layanan SDM HR Services Support Unit
1FOHFMPMBBO PQFSBTJPOBM EBO TUSBUFHJT EJMBLTBOBLBO PMFI 0QFSBUJPOBM BOE TUSBUFHJD NBOBHFNFOU JT DPOEVDUFE CZ
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6OUVL NFOEVLVOH QFOHFMPMBBO 4%. ZBOH CBJL %JWJTJ 5P TVQQPSU HPPE IVNBO SFTPVSDFT NBOBHFNFOU UIF )3
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Kesempatan Kerja yang Sama disetiap Level Equal Employment Opportunities in every
Organisasi Organizational level
4FUJBQQFHBXBJNFOEBQBULBOLFTFNQBUBOLFSKBZBOHTBNB "MMFNQMPZFFTIBWFFRVBMFNQMPZNFOUPQQPSUVOJUJFT3FMBUFE
5FSLBJU EFOHBO LFOBJLBO KBCBUBO TFUJBQ QFHBXBJ ZBOH UPQSPNPUJPO FNQMPZFFTXIPIBWFGVMmMMFEUIFSFRVJSFNFOUT
UFMBI NFNFOVIJ QFSTZBSBUBO NFNJMJLJ IBL ZBOH TBNB VOUVL IBWF FRVBM SJHIUT UP PDDVQZ IJHIFS QPTJUJPOT CZ UBLJOH JOUP
NFOEVEVLJKBCBUBOZBOHMFCJIUJOHHJEFOHBONFNQFSIBUJLBO BDDPVOUUIFDPNQFUFODFRVBMJmDBUJPOTBTXFMMBTFYQFSJFODF
LVBMJmLBTJ LPNQFUFOTJ EBO QFOHBMBNBO TFSUB LJOFSKB EBO QFSGPSNBODFBOECFIBWJPSPGUIFFNQMPZFFT
QFSJMBLVQFHBXBJ
,VBMJmLBTJQFHBXBJVOUVLQSPNPTJLFUJOHLBUZBOHMFCJIUJOHHJ 2VBMJmDBUJPOTGPSUIFQSPNPUJPOUPIJHIFSMFWFMTBSFTQFDJmFE
EJUFUBQLBO CFSEBTBSLBO QBSBNFUFS LSJUFSJB EBO NFLBOJTNF CBTFE PO DMFBS BOE PCKFDUJWF QBSBNFUFST DSJUFSJB BOE
QFOJMBJBO ZBOH KFMBT EBO PCKFLUJG ,FQVUVTBOOZB NFOKBEJ BTTFTTNFOUNFDIBOJTN5IFEFDJTJPOCFDPNFTUIFBVUIPSJUZ
XFXFOBOHNBOBKFNFO PGUIFNBOBHFNFOU
Jumlah Karyawan Number of Employees

4BNQBJ EFOHBO %FTFNCFS UPUBM 4%. 1FSTFSPBO "TPG%FDFNCFSUIFDPNQBOZTUPUBMIVNBOSFTPVSDFT
BEBMBITFCBOZBLPSBOHLBSZBXBO EFOHBOLFUFSBOHBO JT FNQMPZFFT XJUIUIFGPMMPXJOHEFTDSJQUJPO
TFCBHBJCFSJLVU
+VNMBILBSZBXBOCFSEBTBSLBO%JSFLUPSBU (SBEF

5PUBMPG&NQMPZFFTCBTFEPO(SBEJOH-FWFM
Grade 2012 2013 2014 Grading Level
(( 4784 ((
(( 304 ((
(( 774 ((
(( 405 ((
(( 502 ((

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
SUMBER DAYA MANUSIA
Grade 2012 2013 2014 Grading Level

(( 119 ((
(( 77 103 ((
(( 7 6 ((
(( 24 ((
Jumlah 4.881 6.395 7.021 Total
+VNMBI,BSZBXBO#FSEBTBSLBO-FWFM+BCBUBO
5PUBMPG&NQMPZFFTCBTFEPO1PTJUJPO-FWFM
Jenjang Manajemen 2010 2011 2012 2013 2014 Management Level
.BOBKFNFO1VODBL 30 5PQ.BOBHFNFOU
.BOBKFNFO.BEZB 218 4FOJPS.BOBHFNFOU
.BOBKFNFO-JOJ 1.677 +VOJPS.BOBHFNFOU
4UBGEBO-BJOOZB 5.096 4UBGGBOE0UIFST
Jumlah 2.048 2.121 4.881 6.395 7.021 Total
+VNMBI,BSZBXBO#FSEBTBSLBO.BTB,FSKB
5PUBMPG&NQMPZFFTCBTFEPO8PSLJOH1FSJPE
Masa Kerja 2010 2011 2012 2013 2014 Working Period
5BIVO 5.822 :FBST
5BIVO 521 :FBST
W 343 :FBST
5BIVO 248 :FBST
5BIVO 87 :FBST
Jumlah 2.048 2.121 4.881 6.395 7.021 Total
+VNMBI,BSZBXBO#FSEBTBSLBO6TJB
5PUBMPG&NQMPZFFTCBTFEPO"HF
Jenjang Usia 2010 2011 2012 2013 2014 Age Level
5BIVO 5.494 :FBST
5BIVO 1.023 :FBST
5BIVO 429 :FBST
-FCJIEBSJ5BIVO 75 -FCJIEBSJ:FBST
Jumlah 2.048 2.121 4.881 6.395 7.021 Total
+VNMBI,BSZBXBO#FSEBTBSLBO1FOEJEJLBO
5PUBMPG&NQMPZFFTCBTFEPO&EVDBUJPO-FWFM
Jenjang Pendidikan 2010 2011 2012 2013 2014 Educational Level
4 2 %PDUPSBM
1BTDB4BSKBOB4 282 1PTU(SBEVBUF
4BSKBOBEBO4FEFSBKBU 5.341 6OEFSHSBEVBUF
%JQMPNB 1.376 %JQMPNB
4FLPMBI-BOKVUBO5JOHLBU"UBT 17 4FOJPS)JHI4DIPPM
EBO4FEFSBKBU
4FLPMBI.FOFOHBI5JOHLBU 1 +VOJPS)JHI4DIPPM
1FSUBNB
4FLPMBI%BTBS 7 2 &MFNFOUBSZ4DIPPM
Jumlah 2.052 2.121 4.881 6.395 7.021 Total

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
279
HUMAN RESOURCES
+VNMBI,BSZBXBO#FSEBTBSLBO4UBUVT
5PUBMPG&NQMPZFFTCBTFEPO4UBUVT-FWFM
4UBUVT 2010 2011 2012 2013 2014 4UBUVT
5FUBQ 5.655 1FSNBOFOU
$BMPO1FHBXBJ 1.366 1SPTQFDUJWF
Jumlah 2.048 2.121 4.881 6.395 7.021 Total
Jumlah Karyawan Jumlah Karyawan

Berdasarkan Level Jabatan Berdasarkan Level Jabatan
5PUBMPG&NQMPZFFTCBTFEPO1PTJUJPO-FWFM 5PUBMPG&NQMPZFFTCBTFEPO1PTJUJPO-FWFM

.BOBKFNFO1VODBL .BOBKFNFO1VODBL
5PQ.BOBHFNFOU 5PQ.BOBHFNFOU
72,58% .BOBKFNFO.BEZB
4FOJPS.BOBHFNFOU
.BOBKFNFO.BEZB
4FOJPS.BOBHFNFOU
.BOBKFNFO-JOJ .BOBKFNFO-JOJ
+VOJPS.BOBHFNFOU +VOJPS.BOBHFNFOU
4UBGEBO-BJOOZB 4UBGEBO-BJOOZB
4UBGGBOE0UIFST 4UBGGBOE0UIFST

Berdasarkan 6TJB Berdasarkan 6TJB
5PUBMPG&NQMPZFFTCBTFEPO"HF 5PUBMPG&NQMPZFFTCBTFEPO"HF

5BIVO:FBST 5BIVO:FBST
78,25% 5BIVO:FBST 5BIVO:FBST

5BIVO:FBST 5BIVO:FBST

-FCJIEBSJ5BIVO -FCJIEBSJ5BIVO
.PSFUIBO:FBST .PSFUIBO:FBST

Berdasarkan Status Berdasarkan Status
5PUBMPG&NQMPZFFTCBTFEPO4UBUVT-FWFM 5PUBMPG&NQMPZFFTCBTFEPO4UBUVT-FWFM

80,54%
5FUBQ 5FUBQ

1FSNBOFOU 1FSNBOFOU
$BMPO1FHBXBJ $BMPO1FHBXBJ
1SPTQFDUJWF 1SPTQFDUJWF

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
SUMBER DAYA MANUSIA
Biaya Pengembangan Kompetensi Karyawan Expenses of Employee Competence Development

selama tahun 2014 during 2014
"OHHBSBOQFOEBOBBOZBOHEJQFSHVOBLBOVOUVLNFOEVLVOH 'VOEJOH VTFE UP TVQQPSU UIF JNQMFNFOUBUJPO PG USBJOJOHT
UFSMBLTBOBOZB QFMBUJIBO EFOHBO CBJL EJTFTVBJLBO EFOHBO JT BEKVTUFE UP UIF $PNQBOZT QSPHSBNT XJUI SFHBSE UP UIF
QSPHSBNQFSVTBIBBOEFOHBOUFUBQNFNQFSIBUJLBOLFUFOUVBO BQQMJDBCMFSFHVMBUJPOT5IFUPUBMUSBJOJOHCVEHFUCBTFEPOUIF
ZBOH CFSMBLV +VNMBI BOHHBSBO EBOB QFMBUJIBO EJEBTBSLBO QSPWJTJPOTPG#BOL*OEPOFTJB$JSDVMBS-FUUFS/P611#
QBEBLFUFOUVBO4VSBU&EBSBO#BOL*OEPOFTJB/P611# POUIF1SPWJTJPOPG'VOEGPS)VNBO3FTPVSDFT%FWFMPQNFOU
QFSJIBM1FOZFEJBBO%BOBVOUVL1FOHFNCBOHBO4VNCFS%BZB PG$PNNFSDJBM#BOLTBOE#BOL*OEPOFTJB%FDSFF/P
.BOVTJB #BOL 6NVN EBO 4VSBU ,FQVUVTBO #BOL *OEPOFTJB ,&1%*3 EBUFE .BSDI PO UIF 1SPWJTJPO PG 'VOE GPS
OPNPS ,&1%*3 UBOHHBM .BSFU UFOUBOH UIF%FWFMPQNFOUPG)VNBO3FTPVSDFTPG$PNNFSDJBM#BOLT
1FOZFEJBBO %BOB VOUVL 1FOHFNCBOHBO 4VNCFS %BZB XIFSFFEVDBUJPOGVOEPGBUMFBTUTIPVMECFQSPWJEFEGSPN
#BOL6NVNCBIXBQFOZFEJBBOEBOBQFOEJEJLBOTFLVSBOH UIF)VNBO3FTPVSDFTCVEHFUFYQFOEJUVSF
LVSBOHOZBEBSJBOHHBSBOQFOHFMVBSBO4%.
"QBCJMB EBOB 1FMBUJIBO UFSTFCVU NBTJI UFSTJTB NBLB CBOL 5IF SFNBJOEFS PG USBJOJOH GVOE DBO CF BEEFE UP OFYU ZFBST
EBQBU NFOBNCBILBO EBOB QFMBUJIBO UFSTFCVU LF BOHHBSBO USBJOJOHCVEHFU#FMPXJTUIFCBTJDDBMDVMBUJPOPGUIFUSBJOJOH
EBOB QFMBUJIBO UBIVO CFSJLVUOZB #FSJLVU BEBMBI EBTBS CVEHFUJO
QFSIJUVOHBOBOHHBSBO1FMBUJIBOUBIVO
No. Keterangan Total (Rp) Description

"OHHBSBO5BIVO 3Q
72.000.000.000 #VEHFU 3Q
3FBMJTBTJQFS%FTFNCFS 3Q
54.055.554.975 3FBMJ[BUJPOBTQFS%FDFNCFS 3Q
1SFTFOUBTF
75,08 1FSDFOUBHF
%FOHBOEFNJLJBO BOHHBSBOQFMBUJIBOZBOHEBQBUEJHVOBLBO 5IVT JO UIF USBJOJOH CVEHFU UIBU XBT BCMF UP CF VTFE
PMFI %JWJTJ 1FOEJEJLBO EBO 1FMBUJIBO UBIVO TFCBOZBL CZUIF&EVDBUJPOBOE5SBJOJOH%JWJTJPOXBT3QCJMMJPO5IF
3Q NJMJBS 5PUBM CJBZB LFHJBUBO QFOEJEJLBO EBO QFMBUJIBO UPUBM DPTU PG FEVDBUJPO BOE USBJOJOH BDUJWJUJFT JTTVFE CZ UIF
ZBOHEJLFMVBSLBOPMFI%JWJTJ1FMBUJIBOTBNQBJ%FTFNCFS 5SBJOJOH%JWJTJPOVOUJM%FDFNCFSXBT3QCJMMJPO
TFCFTBS3Q NJMJBS
+VNMBI UFSTFCVU TFUBSB EFOHBO EBSJ QSPZFLTJ CJBZB 5IJTBNPVOUJTFRVJWBMFOUUPPGUIFQSPKFDUFEDPTUPG

QFMBUJIBO UBIVO UBOQB EJUBNCBI TJTB LVNVMBUJG UBIVO UIF USBJOJOH JO XJUIPVU CFJOH BEEFE CZ UIF DVNVMBUJWF
UBIVOTFCFMVNOZB4FEBOHLBOBQBCJMBEJUBNCBIEFOHBOTJTB SFNBJOEFSGSPNUIFQSFWJPVTZFBST.FBOXIJMF XIFOBEEFE
BOHHBSBOUBIVOUFSDBQBJ XJUIUIFSFNBJOEFSPGUIFCVEHFU UIFOVNCFSSFBDIFE

Rencana dan Strategi Pendidikan dan Pelatihan Plans and Strategy of the Education and Training
dalam mengembangkan SDM bank bjb Division in Developing bank EME·V +XPDQ
%BMBN SBOHLB QFOHFNCBOHBO EBO QFOJOHLBUBO LVBMJUBT Resources
4VNCFS %BZB .BOVTJB QFSMV EJMBLVLBO QFOBUBBO TJTUFN *O PSEFS UP EFWFMPQ BOE JNQSPWF UIF RVBMJUZ PG )VNBO
QFOEJEJLBO EBOBUBV QFMBUJIBO QFHBXBJ ZBOH EBMBN 3FTPVSDFT JUJTOFDFTTBSZUPSFGPSNUIFTZTUFNPGFEVDBUJPO
JNQMFNFOUBTJOZBEJTFTVBJLBOEFOHBOLPOEJTJEBOLFNBNQVBO BOEPSUSBJOJOHPGFNQMPZFFTJOJUTJNQMFNFOUBUJPOUBJMPSFEUP
QFSVTBIBBOTFSUBUVOUVUBOQFSLFNCBOHBOJMNVQFOHFUBIVBO UIF DPOEJUJPOT BOE UIF BCJMJUZ PG UIF DPNQBOZ BT XFMM BT UIF
EBOUFLOPMPHJZBOHEJCVUVILBO#BOLTBBUJOJEBONBTBZBOH EFNBOET PG UIF EFWFMPQNFOU PG TDJFODF BOE UFDIOPMPHZ GPS
BLBO EBUBOH %JNBOB 7JTJ EBO .JTJ %JWJTJ 1FOEJEJLBO EBO UIF DVSSFOU BOE GVUVSF SFRVJSFNFOUT PG UIF #BOL 5IF 7JTJPO
1FMBUJIBOBEBMBI BOE.JTTJPOPGUIF%JWJTJPOPG&EVDBUJPOBOE5SBJOJOHBSF

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
281
HUMAN RESOURCES
Visi Vision
i.FOKBEJCentre of Learning OrganizationEBMBN.FOEPSPOH i5PCFDPNFUIF$FOUSFPG-FBSOJOH0SHBOJ[BUJPOJO1SPNPUJOH
,FHJBUBO#JTOJT#BOLw UIF#BOLT#VTJOFTT"DUJWJUJFTw
Misi Mission
4FCBHBJ QVTBU LFQFNJNQJOBO Centre of Leadership
"DU BT $FOUSF PG -FBEFSTIJQ OBNFMZ UIF DFOUFS GPS UIF
ZBJUV UFNQBU NFOHFNCBOHLBO EBO NFODJQUBLBO LBEFS DSFBUJPOBOEEFWFMPQNFOUPGRVBMJmFEBOEWJTJPOBSZDBESF
LBEFS QFNJNQJO NBTB EFQBO CBOL bjb ZBOH NVNQVOJ PG GVUVSF MFBEFST UP GVSUIFS EFWFMPQ CBOL bjbT CVTJOFTT
EBOWJTJPOFSEBMBNNFOHFNCBOHLBOLFHJBUBOCJTOJTCBOL BDUJWJUJFT
bjb "T $FOUSF PG $PNQFUFODZ DSFBUJOH DPNQFUFOU CBOL
4FCBHBJ QVTBU QFOHFNCBOHBO LPNQFUFOTJ Centre of FNQMPZFF UISPVHI BUUJUVEF LOPXMFEHF BOE TLJMM
Competency
ZBJUVNFODJQUBLBOQFHBXBJ#BOLLPNQFUFO EFWFMPQNFOU
NFMBMVJQFOHFNCBOHBOattitude, knowledgeEBOskill "T $FOUSF PG $FSUJmDBUJPO DSFBUJOH #BOL FNQMPZFFT
4FCBHBJ QVTBU TFSUJmLBTJ $FOUSF PG $FSUJmDBUJPO
ZBJUV XJUI DPNQFUFODF TUBOEBSET UIBU BSF BDLOPXMFEHFE BOE
NFODJQUBLBO QFHBXBJ #BOL ZBOH NFNQVOZBJ TUBOEBS DFSUJmFE
LPNQFUFOTJZBOHEJBLVJBUBVUFSTFSUJmLBTJ
4FMVSVILFHJBUBO%JLMBUEJBSBILBOVOUVLQFOJOHLBUBOLVBMJUBT "MMUSBJOJOHBOEFEVDBUJPOBDUJWJUJFTBSFBJNFEUPJNQSPWFUIF
LPNQFUFOTJTFIJOHHBEBQBUEJDBQBJ RVBMJUZPGDPNQFUFODFJOPSEFSUPBUUBJO
5FSTFEJBOZB4%.ZBOHCFSLVBMJUBTEBOQSPGFTJPOBMHVOB 5IFQSPWJTJPOPGRVBMJmFEBOEQSPGFTTJPOBMIVNBOSFTPVSDF
NFOVOKBOHLFHJBUBOKBTBMBZBOBOCJTOJTEBOPQFSBTJPOBM UPTVQQPSUUIF#BOLTCVTJOFTTBOEPQFSBUJPOBMBDUJWJUJFT
#BOL 5IFQSPWJTJPOPGDPNQFUFOUIVNBOSFTPVSDFJOGVMmMMJOHUIF
5FSTFEJBOZB 4%. ZBOH NFNJMJLJ LPNQFUFOTJ EBMBN DVSSFOUBOEGVUVSFQPTJUJPOSFRVJSFNFOUT
NFNFOVIJ QFSTZBSBUBO KBCBUBO ZBOH TFEBOH NBVQVO 5IFJNQSPWFNFOUPGLOPXMFEHF TLJMMBOEQFSTQFDUJWFPGBMM
ZBOHBLBOEJKBCBU NBOBHFNFOUBOEPSFNQMPZFF
.FOJOHLBULBO QFOHFUBIVBO LFUFSBNQJMBO EBO XBXBTBO
TFMVSVIQFOHVSVTEBOBUBVQFHBXBJ
%FOHBO EFNJLJBO TUSBUFHJ %JWJTJ 1FOEJEJLBO EBO 1FMBUJIBO 5IFSFGPSF UIFTUSBUFHZPGUIF&EVDBUJPOBOE5SBJOJOH%JWJTJPO

ZBOHUFSUVBOHEBMBN3FODBOB#JTOJTCBOLZBOHNFOEVLVOH BTTFUGPSUIJOUIF#VTJOFTT1MBOUIBUTVQQPSUTUIFWJTJPOBOE
WJTJEBONJTJEJNBLTVE ZBJUV NJTTJPOPGUIFCBOL OBNFMZ
.FSBODBOH QSPHSBN QFOEJEJLBO EBO QFMBUJIBO ZBOH %FTJHOJOH FEVDBUJPO BOE USBJOJOH QSPHSBNT UIBU TVQQPSU
NFOEVLVOH LFHJBUBO CJTOJT CBOL TFDBSB UFSTUSVLUVS EBO UIF #BOLT CVTJOFTT BDUJWJUJFT JO B TUSVDUVSFE BOE
CFSLFTJOBNCVOHBO TFTVBJ EFOHBO Training Program DPOUJOVPVT NBOOFS JO BDDPSEBODF XJUI UIF UFDIOJDBM
AcademyZBOHCFSTJGBUUFLOJLBM BTQFDUPGUIF5SBJOJOH1SPHSBN"DBEFNZ
.FSBODBOH QSPHSBN 1FOEJEJLBO EBO 1FMBUJIBO ZBOH %FTJHOJOH FEVDBUJPO BOE USBJOJOH QSPHSBNT UIBU TVQQPSU
NFOEVLVOH LFHJBUBO CJTOJT CBOL TFDBSB UFSTUSVLUVS EBO UIF #BOLT CVTJOFTT BDUJWJUJFT JO B TUSVDUVSFE BOE
CFSLFTJOBNCVOHBO TFTVBJ EFOHBO Training Program DPOUJOVPVT NBOOFS JO BDDPSEBODF XJUI UIF TPGU TLJMM
AcademyZBOHCFSTJGBUsoftskill. BTQFDUPGUIF5SBJOJOH1SPHSBN"DBEFNZ
.FSBODBOH QSPHSBN 1FOEJEJLBO EBO QFMBUJIBO ZBOH %FTJHOJOH FEVDBUJPO BOE USBJOJOH QSPHSBNT UIBU TVQQPSU
NFOEVLVOHQFOHFNCBOHBOCJTOJTCBOLTFDBSBUFSTUSVLUVS UIF #BOLT CVTJOFTT BDUJWJUJFT JO B TUSVDUVSFE BOE
EBOCFSLFTJOBNCVOHBOTFTVBJEFOHBOTraining Program DPOUJOVPVT NBOOFS JO BDDPSEBODF XJUI UIF 5SBJOJOH
Academy 1SPHSBN"DBEFNZ
.FSBODBOH QSPHSBN 1FOEJEJLBO EBO 1FMBUJIBO ZBOH %FTJHOJOH FEVDBUJPO BOE USBJOJOH QSPHSBNT UIBU TVQQPSU
NFOEVLVOH LPNQFUFOTJ NBOBKFSJBM EBO LFQFNJNQJOBO UIF #BOLT NBOBHFSJBM BOE MFBEFSTIJQ DPNQFUFODF JO B
CBOL TFDBSB UFSTUSVLUVS EBO CFSLFTJOBNCVOHBO TFTVBJ TUSVDUVSFEBOEDPOUJOVPVTNBOOFS JOBDDPSEBODFXJUIUIF
EFOHBOTraining Program Academy. 5SBJOJOH1SPHSBN"DBEFNZ

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
SUMBER DAYA MANUSIA
.FSBODBOH QSPHSBN 1FOEJEJLBO EBO 1FMBUJIBO ZBOH %FTJHOJOH&EVDBUJPOBOE5SBJOJOHQSPHSBNTUIBUTVQQPSU

NFOEVLVOHLPNQFUFOTJDBMPOQFHBXBJCBSVCBOLbjb. UIFDPNQFUFODFPGUIFCBOLbjbTOFXSFDSVJU
.FSBODBOH QSPHSBN 1FOEJEJLBO EBO 1FMBUJIBO ZBOH %FTJHOJOH&EVDBUJPOBOE5SBJOJOHQSPHSBNTUIBUTVQQPSU
NFOEVLVOHLPNQFUFOTJTVQQPSUJOHQFHBXBJEJCJEBOH*5 UIFTVQQPSUJOHDPNQFUFODFPGUIF*5QFSTPOOFM
.FOHVTVMLBO QFOEJEJLBO EBO QFMBUJIBO ZBOH UJEBL 1SPQPTJOHFEVDBUJPOBOEUSBJOJOHQSPHSBNOPUJODMVEFEJO
UFSEBQBUEBMBNTraining Program Academy UIF5SBJOJOH1SPHSBN"DBEFNZ
.FSBODBOH QSPHSBN 1FOEJEJLBO EBO 1FMBUJIBO VOUVL %FTJHOJOHFEVDBUJPOBOEUSBJOJOHQSPHSBNGPSTVQQPSUJOH
supporting-Control o$POUSPM
.FSBODBOH QSPHSBN QFOEJEJLBO EBO QFMBUJIBO VOUVL %FTJHOJOHFEVDBUJPOBOEUSBJOJOHQSPHSBNGPSFNQMPZFFT
QFOHFNCBOHBONFOUBMEBO3PIBOJQFHBXBJ NFOUBMBOETQJSJUVBMEFWFMPQNFOU
Biaya yang Dikeluarkan Costs Incurred

#JBZB ZBOH UFMBI EJLFMVBSLBO PMFI CBOL bjb UFSLBJU EFOHBO $PTUTJODVSSFECZCBOLbjbSFMBUFEUP)3NBOBHFNFOUVOUJM
QFOHFMPMBBO 4%. IJOHHB BLIJS UBIVO BEBMBI TFCFTBS UIF FOE PG SFBDIFE 3Q USJMMJPO XJUI UIF GPMMPXJOH
3Q USJMJVO EFOHBOSJODJBOTFCBHBJCFSJLVU EFUBJMT
Nominal
Jenis Biaya Tenaga Kerja Type of Employee Expenses
(Juta/Million)
(BKJEBO6QBI 4BMBSJFTBOE8BHFT
Total 1.320.129 Total
Penghasilan Berdasarkan Jabatan Position Based Income

1SPHSBN LFTFKBIUFSBBO CBHJ LBSZBXBO UFSVT EJUJOHLBULBO &NQMPZFF XFMGBSF QSPHSBNT DPOUJOVFE UP CF JODSFBTFE
TFJSJOH EFOHBO QFSUVNCVIBO ZBOH EJDBQBJ PMFI CBOL BMPOHXJUIUIFHSPXUIBDIJFWFECZUIF#BOL*UTEFUFSNJOBUJPO
1FOFUBQBOOZB EJMBLVLBO CFSEBTBSLBO BOBMJTB UFSIBEBQ JT CBTFE PO UIF JOEVTUSJBM BOBMZTJT BOE BEKVTUFE UP UIF
JOEVTUSJ EBO EJTFTVBJLBO EFOHBO UJOHLBU LFNBNQVBO $PNQBOZTDBQBCJMJUZ
1FSTFSPBO
4JTUFN LPNQFOTBTJ EBO CFOFmU TFCBHBJ JNQMFNFOUBTJ 5IFDPNQFOTBUJPOBOECFOFmUTTZTUFN BTUIFJNQMFNFOUBUJPO

EBMBN SBOHLB NFOEVLVOH UVKVBO TUSBUFHJT CBOL bjb TFDBSB JOPSEFSUPTVQQPSUUIFCBOLbjbTPWFSBMMTUSBUFHJDPCKFDUJWFT
LFTFMVSVIBO EJSBODBOH BHBS CFSTJGBU BUSBLUJG EBO LPNQFUJUJG JTEFTJHOFEUPCFCPUIBUUSBDUJWFBOEDPNQFUJUJWFJOPSEFSUP
TFIJOHHBEBQBUNFOJOHLBULBONPUJWBTJLFSKB1FHBXBJEFOHBO JODSFBTFFNQMPZFFNPUJWBUJPOUPXPSLXJUIUIFBJNPGDSFBUJOH
UVKVBO NFODJQUBLBO employee engagement ZBOH CFSNVBSB FNQMPZFFFOHBHFNFOUXIJDIMFBETUPUIFBDIJFWFNFOUPGUIF
QBEBQFODBQBJBOUVKVBOTUSBUFHJTCBOL CBOLTTUSBUFHJDPCKFDUJWFT
Reward & Punishment Reward & Punishment

RewardEJCFSJLBOTFCBHBJCFOUVLQFOHIBSHBBOQFSVTBIBBO 3FXBSEJTHJWFOBTBUPLFOPGBQQSFDJBUJPOGPSUIFEFEJDBUJPO
LFQBEB QFHBXBJ BUBT EFEJLBTJ ZBOH EJCFSJLBO LFQBEB PG UIF FNQMPZFF UP UIF $PNQBOZ 5IF SFXBSE TZTUFN JT
QFSVTBIBBO 4JTUFN reward EJTVTVO BHBS EBQBU NFNPUJWBTJ FTUBCMJTIFEJOPSEFSUPNPUJWBUFFNQMPZFFTUPQFSGPSNCFUUFS
QFHBXBJBHBSCFSLJOFSKBMFCJICBJLMBHJLFEFQBOOZB JOUIFGVUVSF
RewardZBOHEJCFSJLBOQFSVTBIBBOBOUBSBMBJO 3FXBSEHJWFOCZUIFDPNQBOZJODMVEFT
1FOHIBSHBBO .BTB ,FSKB ZBOH EJQFSVOUVLLBO UFSIBEBQ 8PSL 5FOVSF "XBSE XIJDI JT BQQMJFE UP FNQMPZFFT XJUI
1FHBXBJ ZBOH UFMBI NFNJMJLJ NBTB LFSKB UBIVO EBO XPSL QFSJPE PG ZFBST BOE ZFBST BOE NFFU DFSUBJO
UBIVO TFSUB NFNFOVIJ LSJUFSJB UFSUFOUV ZBOH UFMBI DSJUFSJB UIBU IBWF CFFO FTUBCMJTIFE 5IJT SFXBSE JT UIF
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UFSUFOUV

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
283
HUMAN RESOURCES
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Pendahuluan
Laporan Manajemen
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monitoringEBOFWBMVBTJLJOFSKB QFSGPSNBODFNPOJUPSJOHBOEFWBMVBUJPOQIBTF

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
285
HUMAN RESOURCES
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Pendahuluan
Laporan Manajemen
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Peran Jabatan Pemimpin Divisi SDM The Role of the Head of HR Division
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QJIBL NBOBKFNFO TFOJPS NFOHFOBJ NBTBMBINBTBMBI SFHBSEJOHFNQMPZNFOUNBUUFST IVNBODBQJUBM

LFQFHBXBJBO human capital
t 'PSNVMBUF UIF XPSL QSPHSBN BOE CVEHFU PG UIF )VNBO
t .FOZVTVO QSPHSBN LFSKB EBO BOHHBSBO %JWJTJ 4VNCFS 3FTPVSDFT%JWJTJPO
%BZB.BOVTJB t .BOBHF UIF SFQPSUJOH SFMBUFE UP UIF mFME PG XPSL PG UIF
t .FOHFMPMB QFMBQPSBO UFSLBJU EFOHBO CJEBOH LFSKB %JWJTJ )VNBO3FTPVSDFT%JWJTJPO
4VNCFS%BZB.BOVTJB t $PPSEJOBUF XJUI UIF #PBSE PG $PNNJTTJPOFST #PBSE PG
t .FMBLVLBOLPPSEJOBTJEFOHBO%FXBO,PNJTBSJT %JSFLTJ %JSFDUPST )FBET PG %JWJTJPOT8PSLJOH 6OJUT 3FHJPOBM
1FNJNQJO %JWJTJVOJU LFSKB 1FNJNQJO 8JMBZBI EBO )FBETBOE)FBETPGUIF#SBODI0GmDFT
1FNJNQJO$BCBOH t #FDPNF UIF MFBEJOH TQPLFTQFSTPO GPS UIF )VNBO
t .FOKBEJ KVSV CJDBSB VUBNB CBHJ %JWJTJ 4VNCFS %BZB 3FTPVSDFT%JWJTJPO
.BOVTJB
Tugas Dan Tanggung Jawab Utama Pemimpin Divisi Main Duties and Responsibilities of the Head of the HR
SDM Division
t .FOHFNCBOHLBO EBO NFOFSBQLBO TUSBUFHJ t %FWFMPQBOEJNQMFNFOUUIFIVNBOSFTPVSDFTEFWFMPQNFOU
QFOHFNCBOHBO4%.VOUVLNFOEPSPOHLJOFSKBCJTOJT TUSBUFHJFTJOPSEFSUPJNQSPWFCVTJOFTTQFSGPSNBODF
t .FOZVTVO TUSBUFHJ EBO LFCJKBLBO QFOHFMPMBBO 4%. EJ t %FWFMPQ UIF TUSBUFHJFT BOE QPMJDJFT PG IVNBO SFTPVSDFT
QFSVTBIBBO CFSEBTBSLBO TUSBUFHJ KBOHLB QFOEFL EBO NBOBHFNFOUPGUIFDPNQBOZCBTFEPOUIFQSFEFUFSNJOFE
KBOHLB QBOKBOH ZBOH UFMBI EJUFUBQLBO TFTVBJ EFOHBO TIPSUUFSN BOE MPOHUFSN TUSBUFHJFT BDDPSEJOH UP UIF

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
287
HUMAN RESOURCES
QFSBUVSBO QFNFSJOUBI ZBOH CFSMBLV BHBS EJQFSPMFI 4%. BQQMJDBCMF (PWFSONFOU SFHVMBUJPOT JO PSEFS UP PCUBJO
EFOHBO LJOFSKB LBQBCJMJUBT EBO LPNQFUFOTJ ZBOH TFTVBJ IVNBO SFTPVSDFT XJUI QFSGPSNBODF DBQBCJMJUJFT BOE
EFOHBOZBOHEJJOHJOLBOQFSVTBIBBO DPNQFUFODJFT JO BDDPSEBODF XJUI UP UIF $PNQBOZT
t .FOEFTBJO NFOHFNCBOHLBO EBO NFOFSBQLBO JOJTJBUJG EFTJSF
QFOHFNCBOHBO 4%. NFNCBOUV #BOL EBMBN NFODBQBJ t %FTJHO EFWFMPQ BOE JNQMFNFOU IVNBO SFTPVSDFT
QPTJTJZBOHLPNQFUJUJGEJQBTBS EFWFMPQNFOU JOJUJBUJWFT BTTJTU UIF #BOL JO BDIJFWJOH B
t .FOHPOUSPM EBO NFNBTUJLBO QFMBLTBOBBO GVOHTJ 4%. DPNQFUJUJWFQPTJUJPOJOUIFNBSLFU
EJ TFMVSVI QFSVTBIBBO TVEBI TFTVBJ EFOHBO TUSBUFHJ t $POUSPM BOE FOTVSF UIF JNQMFNFOUBUJPO PG )3 GVODUJPOT
LFCJKBLBO TJTUFNEBOSFODBOBLFSKBZBOHUFMBIEJTVTVO BDSPTT UIF $PNQBOZ BSF JO BDDPSEBODF XJUI UIF
t .FOHFMPMB QFODBQBJBO UJOHLBU FGFLUJWJUBT BLUJWJUBT QSFEFUFSNJOFE TUSBUFHJFT QPMJDJFT TZTUFN BOE XPSL
PQFSBTJPOBM PMFI TVNCFS EBZB NBOVTJB ZBOH BEB EJ QMBOT
TFMVSVIMJOJPSHBOJTBTJNFMBMVJLFTFQBLBUBOService Level t .BOBHF UIF BDIJFWFNFOU PG FGGFDUJWFOFTT XJUIJO UIF
Agreement 4-"
JOEJWJEVBM PQFSBUJPOBM BDUJWJUJFT DPOEVDUFE CZ UIF FYJTUJOH IVNBO
t 4FDBSB UFSBUVS NFOHLBKJ EBNQBL EBSJ LFCJKBLBO EBO SFTPVSDFT BDSPTT UIF FOUJSF PSHBOJ[BUJPOBM MJOFT UISPVHI
QSPTFEVSUFSNBTVLKVHBLJOFSKB4-" JOEJWJEVBM4FSWJDF-FWFM"HSFFNFOU
t .FOHFMPMB TJTUFN manpower planning EBO GPSNBTJ 4%. t 3FHVMBSMZBTTFTTUIFJNQBDUTPGQPMJDJFTBOEQSPDFEVSFT
PSHBOJTBTJ TFDBSB FmTJFO EBO FGFLUJG VOUVL NFOVOKBOH BTXFMMBT4-"QFSGPSNBODF
TUSBUFHJ CJTOJT QFSVTBIBBO UFSNBTVL EJBOUBSBOZB EBMBN t .BOBHFUIFNBOQPXFSQMBOOJOHTZTUFNBOEUIFGPSNBUJPO
NFOHFWBMVBTJ EFTBJO KBCBUBO QFSFODBOBBO 4%. PGBOFGmDJFOUBOEFGGFDUJWFIVNBOSFTPVSDFTPSHBOJ[BUJPO
TJTUFN SFLSVUNFO TFMFLTJ QFOHFNCBOHBO LPNQFUFOTJ UP TVQQPSU UIF $PNQBOZT CVTJOFTT TUSBUFHJFT JODMVEJOH
QFHBXBJTFSUBQFSFODBOBBOTVLTFTJKBCBUBO EJTFMVSVIMJOJ FWBMVBUJOHUIFQPTJUJPOEFTJHO IVNBOSFTPVSDFTQMBOOJOH
PSHBOJTBTJ SFDSVJUNFOUBOETFMFDUJPOTZTUFN FNQMPZFFDPNQFUFODZ
t .FOHFMPMB TJTUFN QFSHFSBLBO LBSJS QFHBXBJ EBMBN EFWFMPQNFOUBOEQPTJUJPOTVDDFTTJPOQMBOOJOHBDSPTTUIF
SBOHLBNFNFOVIJmanpowerPSHBOJTBTJUFSNBTVLEBMBN FOUJSFPSHBOJ[BUJPOBMMJOFT
NFOHJEFOUJmLBTJ EBO NFOBSJL LBOEJEBU ZBOH NFNJMJLJ t .BOBHFUIFFNQMPZFFDBSFFSNPWFNFOUTZTUFNJOPSEFS
QPUFOTJCBLBUUFSCBJL UPGVMmMMPSHBOJ[BUJPOBMNBOQPXFSJODMVEJOHJEFOUJGZJOHBOE
t .FOHFMPMB EBO NFOHFWBMVBTJ TUSVLUVS QFOHHBKJBO EBO BUUSBDUJOHDBOEJEBUFTXJUICFTUQPUFOUJBMUBMFOU
GBTJMJUBTGBTJMJUBT LFQFHBXBJBO UFSNBTVL QFNCFSJBO t .BOBHFBOEFWBMVBUFUIFTBMBSZTUSVDUVSFBOEFNQMPZFF
rewardCPOVT QSPHSBN QFSMJOEVOHBO LFSKB QSPHSBN GBDJMJUJFT JODMVEJOH UIF QSPWJTJPO PG SFXBSETCPOVT MBCPS
QFOTJVO EBO IBSJ UVB EBO QSPUFLTJ LFTFIBUBO QFHBXBJ QSPUFDUJPO QSPHSBNT QFOTJPO BOE SFUJSFNFOU QMBOT
TFTVBJEFOHBOLFNBNQVBOmOBOTJBMQFSVTBIBBO LPOEJTJ BOE FNQMPZFF IFBMUI QSPUFDUJPO JO BDDPSEBODF XJUI UIF
LFCVUVIBO IJEVQ MBZBL CFSEBTBSLBO QFSLFNCBOHBO $PNQBOZT mOBODJBM BCJMJUZ EFDFOU MJWJOH DPOEJUJPOT
LPOEJTJ FLPOPNJ EBO QFSLFNCBOHBO TUSVLUVS SFNVOFSBTJ CBTFE PO UIF EFWFMPQNFOU PG FDPOPNJD DPOEJUJPOT BOE
EJJOEVTUSJUFSLBJU UIF EFWFMPQNFOU PG UIF SFNVOFSBUJPO TUSVDUVSF JO UIF
t .FOHFMPMB QFMBLTBOBBO QFSIJUVOHBO LFCVUVIBO 4%. SFMBUFEJOEVTUSZ
(TUBmOHNPEFM
CFSEBTBSLBONFUPEFBOBMJTBCFCBOLFSKB t .BOBHF UIF JNQMFNFOUBUJPO PG )3 OFFET DBMDVMBUJPO
(workload analysis
EBOBUBVNFUPEFMBJOOZB TUBGmOH NPEFM
CBTFE PO UIF XPSLMPBE BOBMZTJT NFUIPE
t .FNBTUJLBO QFNFOVIBO UFOBHB LFSKB PSHBOJTBTJ TFDBSB BOEPSPUIFSNFUIPET
UFQBU TFTVBJ LFCVUVIBO EBMBN IBM KVNMBI NBVQVO t &OTVSF UIF GVMmMNFOU PG UIF $PNQBOZT )3 OFFET
QFNFOVIBO LVBMJmLBTJ LPNQFUFOTJ .FOZVTVO LFCJKBLBO BQQSPQSJBUFMZBOEBTSFRVJSFEJOUFSNTPGRVBOUJUZBTXFMM
EBOQFOHFMPMBBOQFHBXBJoutsourcingTFSUBNFNBTUJLBO BTUIFGVMmMMNFOUPGDPNQFUFODFRVBMJmDBUJPOT'PSNVMBUF
LVBMJmLBTJ LPNQFUFOTJ QFHBXBJ outsourcing ZBOH QPMJDJFT BOE NBOBHF PVUTPVSDFE FNQMPZFFT BOE FOTVSF
EJUFNQBULBO UIFGVMmMNFOUPGDPNQFUFODFRVBMJmDBUJPOPGUIFPVUTPVSDFE
t .FMBLVLBO FWBMVBTJ EBO QFOHFOEBMJBO UFSLBJU FNQMPZFFT
QFSLFNCBOHBOCJBZBTVNCFSEBZBNBOVTJB t &WBMVBUF BOE DPOUSPM DPTUT SFMBUFE UP IVNBO SFTPVSDFT
EFWFMPQNFOU

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
SUMBER DAYA MANUSIA
t .FMBLVLBO FWBMVBTJ EBO QFOHBXBTBO BUBT QFOHFMPMBBO t &WBMVBUF BOE TVQFSWJTF UIF NBOBHFNFOU PG FNQMPZFF
EBUBBENJOJTUSBTJQFSTPOBMLFQFHBXBJBOEBOTJTUFN)3*4 BENJOJTUSBUJPOEBUBBOE)3*4TZTUFN BTXFMMBTNPOJUPS
TFSUB NFOHBXBTJ QFMBQPSBO SFHVMBS BUBT QFOHFMPMBBO UIFNBOBHFNFOUPGSFHVMBSSFQPSUJOHPOUIFNBOBHFNFOU
4%.LFQBEBQJIBLNBOBKFNFONBVQVOJOTUJUVTJMBJOZBOH PGIVNBOSFTPVSDFTUPUIFNBOBHFNFOUPSPUIFSSFMFWBOU
UFSLBJULFUFOBHBLFSKBBO JOTUJUVUJPOTSFMBUFEUPFNQMPZNFOU
t .FMBLVLBO QFNCJOBBO UFSLBJU EJTJQJMJO QFSJMBLV EBO t $POEVDU HVJEBODF SFMBUFE UP EJTDJQMJOF CFIBWJPVS BOE
FUJLB QFHBXBJ TFSUB NFOKBEJ GBTJMJUBUPS EBMBN IVCVOHBO FUIJDTPGUIFFNQMPZFFTBTXFMMBTCFDPNFUIFGBDJMJUBUPSJO
QFSVTBIBBOEFOHBOQFHBXBJEBOQJIBLLFUJHBCFSLFOBBO UIF$PNQBOZTSFMBUJPOTIJQXJUIUIFFNQMPZFFTBOEUIJSE
NBTBMBILFQFHBXBJBO QBSUJFTSFHBSEJOHFNQMPZNFOUJTTVFT
t .FMBLVLBO FWBMVBTJ BUBT TJTUFN QFOHFMPMBBO LJOFSKB t $POEVDUFWBMVBUJPOPOJOEJWJEVBMQFSGPSNBODFNBOBHFNFOU
JOEJWJEV QFHBXBJ EBMBN IBM QFSFODBOBBO LJOFSKB TZTUFN PG FNQMPZFFT JO UFSNT PG QFSGPSNBODF QMBOOJOH
QFOJMBJBO LJOFSKB FWBMVBTJ LJOFSKB EBO QFOHFNCBOHBO QFSGPSNBODFBTTFTTNFOU QFSGPSNBODFFWBMVBUJPOBOEUIF
LJOFSKBJOEJWJEVQFHBXBJ EFWFMPQNFOUPGJOEJWJEVBMQFSGPSNBODFPGUIFFNQMPZFFT
t .FMBLVLBOFWBMVBTJBUBTTJTUFNQFOHFMPMBBOLPNQFUFOTJ t $POEVDU FWBMVBUJPO PO FNQMPZFF DPNQFUFODZ
QFHBXBJ ZBOHNFMJQVUJQFOHVLVSBOBTFTNFOLPNQFUFOTJ NBOBHFNFOU TZTUFN XIJDI JODMVEFT UIF NFBTVSFNFOU
QFNFUBBBOLPNQFUFOTJ EBOQFOHFNCBOHBOLPNQFUFOTJ BTTFTTNFOU PG DPNQFUFODF DPNQFUFODZ NBQQJOH BOE
JOEJWJEVQFHBXBJ JOEJWJEVBMDPNQFUFODZEFWFMPQNFOUPGFNQMPZFFT
t .FOHFMPMB EBO NFOHFWBMVBTJ BUBT TJTUFN QFOHFMPMBBO t .BOBHF BOE FWBMVBUF FNQMPZFF DBSFFS NBOBHFNFOU
LBSJS QFHBXBJ CFSEBTBSLBO NPEFM EBO IBTJM BTFTNFO TZTUFN CBTFE PO UIF NPEFM BOE UIF DPNQFUFODZ
LPNQFUFOTJTFSUBLJOFSKBQFHBXBJ BTTFTTNFOUSFTVMUTBTXFMMBTFNQMPZFFQFSGPSNBODF
t .FOTFMBSBTLBOTJTUFNQFOHFMPMBBOLBSJSQFHBXBJEFOHBO t )BSNPOJ[FFNQMPZFFDBSFFSNBOBHFNFOUTZTUFNXJUIUIF
QFOHFMPMBBOQSPNPTJEBONVUBTJQFHBXBJ NBOBHFNFOUPGFNQMPZFFQSPNPUJPOBOENVUBUJPO
t .FNCJOB IVCVOHBO EFOHBO QJIBL LFUJHB UFSLBJU t 'PTUFS SFMBUJPOTIJQT XJUI UIJSE QBSUJFT SFMBUFE UP IVNBO
QFOHFNCBOHBOQFOHFMPMBBO4%.EBOQFNCFSJBOGBTJMJUBT SFTPVSDFT EFWFMPQNFOU BOE UIF QSPWJTJPO PG FNQMPZFF
LFQFHBXBJBO UFSNBTVL EFOHBO JOTUJUVTJ LPOTVMUBO 4%. GBDJMJUJFT JODMVEJOH XJUI )3 DPOTVMUBOU JOTUJUVUJPOT BOE
EBOQFOZFMFOHHBSBQSPHSBNQFOTJVOEBOIBSJUVB PSHBOJ[FSPGQFOTJPOBOESFUJSFNFOUQMBO
t .FNCFSJLBOJOGPSNBTJZBOHEJCVUVILBOQJIBLNBOBKFNFO t 1SPWJEF UIF JOGPSNBUJPO OFFEFE CZ TFOJPS NBOBHFNFOU
TFOJPS NFOHFOBJ NBTBMBI UFSUFOUV ZBOH TJHOJmLBO EBO SFHBSEJOH DFSUBJO TJHOJmDBOU JTTVFT BOE SJTLZ UP UIF
CFSJTJLP CBHJ QFODBQBJBO UVKVBO ZBOH CFMVN EJUBOHBOJ BDIJFWFNFOU PG PCKFDUJWFT XIJDI IBWF OPU CFFO GVMMZ
TFQFOVIOZBEJUJOHLBUNBOBKFSJBM BEESFTTFEBUUIFNBOBHFSJBMMFWFM
t .FOHJEFOUJmLBTJ QFSTZBSBUBO IVLVN TFSUB SFHVMBTJ t *EFOUJGZ MFHBM BOE (PWFSONFOU SFHVMBUPSZ SFRVJSFNFOUT
QFNFSJOUBI EBMBN QFMBQPSBO UFSLBJU GVOHTJ 4%. EBO JO SFQPSUJOH SFMBUFE UP UIF )3 GVODUJPOT BOE EJSFDU UIF
NFOHBSBILBO QFOZVTVOBO MBQPSBO ZBOH EJNBLTVE BUBV QSFQBSBUJPOPGUIFSFQPSUJORVFTUJPOPSSFRVFTUFEBTQSPPG
EJNJOUBTFCBHBJCVLUJLFQBUVIBO PGDPNQMJBODF
t #FSUJOEBL TFCBHBJ QJIBL ZBOH EJIVCVOHJ QFSUBNB t "DUBTUIFQBSUZmSTUDPOUBDUFEJOSFTQFDUUPFNQMPZNFOU
EBMBN IBM LFUFOBHBLFSKBBO EJ QFSVTBIBBO TFSUB TBBU NBUUFST JO UIF DPNQBOZ BT XFMM BT XIFO EFBMJOH XJUI
CFSIVCVOHBOEFOHBOJOTUBOTJUFOBHBLFSKBQFNFSJOUBI (PWFSONFOUFNQMPZNFOUBHFODJFT
t .FMJOEVOHJ LFQFOUJOHBO QBSB QFLFSKB EBO QFSVTBIBBO t 1SPUFDU UIF JOUFSFTUT PG UIF XPSLFST BOE UIF $PNQBOZ JO
TFTVBJ EFOHBO LFCJKBLBO 4%. EBO KVHB IVLVN TFSUB BDDPSEBODF UP UIF )3 QPMJDJFT BOE UIF BQQMJDBCMF MBXT
BUVSBO ZBOH CFSMBLV EBO NFOHLBKJ SFLPNFOEBTJ VOUVL BOE SFHVMBUJPOT BOE SFWJFX UIF SFDPNNFOEBUJPO GPS
QFNVUVTBO IVCVOHBO LFSKB EBOBUBV QFNCFMBBO EJSJ FNQMPZNFOU UFSNJOBUJPO BOEPS FNQMPZFF TFMGEFGFOTF
LBSZBXBO NFMBMVJQSPTFEVSQFOHBKVBOLFMVIBO UISPVHIUIFDPNQMBJOUmMMJOHQSPDFEVSF
t .FOZVTVO NFOHFNCBOHLBO EBO NFOHBQMJLBTJLBO t &TUBCMJTI EFWFMPQ BOE BQQMZ QPMJDJFT BOE PS HVJEFMJOFT
LFCJKBLBOEBOBUBVQBOEVBOVOUVLNFOEVLVOHLFMBODBSBO UP TVQQPSU UIF NBOBHFNFOU PG UIF )VNBO 3FTPVSDFT
QSPTFTQFOHFMPMBBO%JWJTJ4VNCFS%BZB.BOVTJB %JWJTJPO

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
289
HUMAN RESOURCES
t .FNQFSTJBQLBO NFOHLPPSEJOBTJLBO EBO NFOHVTVMLBO t 1SFQBSF DPPSEJOBUF BOE QSPQPTF UIF XPSL QSPHSBNT PG
QSPHSBN LFSKB %JWJTJ 4VNCFS %BZB .BOVTJB LFQBEB UIF)3%JWJTJPOUPUIF%JSFDUPSJODIBSHFBTXFMMBTDPOUSPM
%JSFLUVSZBOHNFNCJEBOHJTFSUBNFOHPOUSPMQFOHHVOBBO UIFVTFPGUIF)VNBO3FTPVSDFT%JWJTJPOCVEHFUJOPSEFS
BOHHBSBO %JWJTJ 4VNCFS %BZB .BOVTJB BHBS TFTVBJ UPDPOGPSNUPUIFXPSLQSPHSBNT
EFOHBOQSPHSBNLFSKBUFSTFCVU t 4VQFSWJTF USBJO HVJEF EFWFMPQ BOE FWBMVBUF UIF
t .FOHBXBTJ NFMBUJI NFNCJNCJOH NFOHFNCBOHLBO QFSGPSNBODF PG UIF )VNBO 3FTPVSDFT %JWJTJPO TUBGG JO
EBO NFOHFWBMVBTJ LJOFSKB QBSB TUBG %JWJTJ 4VNCFS %BZB UFSNTPGQFSGPSNBODFFGGFDUJWFOFTT
.BOVTJBEBMBNIBMFGFLUJWJUBTLJOFSKB t "DUJWFMZQBSUJDJQBUFJOUIF$SJTJT.BOBHFNFOU5FBN #$1

t #FSQFSBO BLUJG EBMBN 5JN .BOBKFNFO ,SJTJT #$1
JOBDDPSEBODFUPUIFSPMFTBOESFTQPOTJCJMJUJFTBTTUBUFEJO
TFTVBJEFOHBOQFSBOEBOUBOHHVOHKBXBCTFCBHBJNBOB UIF$SJTJT.BOBHFNFOU.BOVBM(VJEF
UFSDBOUVN EJ EBMBN #VLV .BOVBM1BOEVBO .BOBKFNFO t %FWFMPQ NBJOUBJOMJOFPGXPSL BOEGBDJMJUBUFDPNNVOJDBUJPO
,SJTJT XJUI PUIFS %JWJTJPOT 3FHJPOBM 0GmDFT #SBODI 0GmDFT JO
t .FOHFNCBOHLBO NFNQFSUBIBOLBO MJOJ LFSKB EBO UFSNTPGUIFJNQMFNFOUBUJPOPGQFSGPSNBODFNBOBHFNFOU
NFNGBTJMJUBTJ LPNVOJLBTJ EFOHBO %JWJTJ MBJO ,BOUPS BOEBDUJWJUJFTPGUIF)VNBO3FTPVSDFT%JWJTJPO
8JMBZBI ,BOUPS$BCBOH EBMBNIBMQFMBLTBOBBOCFSCBHBJ t .BOBHF UIF JNQMFNFOUBUJPO PG SJTL NBOBHFNFOU JO UIF
QFOHFMPMBBO LJOFSKB EBO BLUJWJUBT %JWJTJ 4VNCFS %BZB )VNBO3FTPVSDFT%JWJTJPO
.BOVTJB t *NQMFNFOU UIF QSVEFODF BOE DPNQMJBODF QSJODJQMFT
t .FOHFMPMBQFOFSBQBONBOBKFNFOSJTJLPEJ%JWJTJ4VNCFS UP #BOL *OEPOFTJB 3FHVMBUJPOT BOE UIF BQQMJDBCMF
%BZB.BOVTJB -FHJTMBUJPOT BTXFMMBTPUIFSBQQMJDBCMF*OUFSOBM3VMFT
t .FMBLTBOBLBO QSJOTJQ LFIBUJIBUJBO EBO LFQBUVIBO t &OTVSF UIBU BMM XPSL BSFBT PG UIF )VNBO 3FTPVSDFT
UFSIBEBQ 1FSBUVSBO #BOL *OEPOFTJB EBO 1FSBUVSBO %JWJTJPOBSFJOBDDPSEBODFUPUIFBQQMJDBCMFSFHVMBUJPOT
1FSVOEBOHVOEBOHBO TFSUB 1FSBUVSBO *OUFSOBM MBJOOZB t 4PDJBMJ[F UIF #BOLT JOUFSOBM SVMFT BOE PUIFS QSPWJTJPOT
ZBOHCFSMBLV SFMBUFEUPUIFTDPQFPGXPSLXJUIJOUIFEJWJTJPO
t .FNBTUJLBO CBIXB TFMVSVI CJEBOH LFSKB %JWJTJ 4VNCFS t 1SPWJEF EBUB EPDVNFOUT SFMBUFE UP JOUFSOBM BOE FYUFSOBM
%BZB .BOVTJB UFMBI TFTVBJ EFOHBO LFUFOUVBO ZBOH FYBNJOBUJPOT
CFSMBLV t $POEVDU GPMMPXVQ PO UIF mOEJOHT PG UIF JOUFSOBM BOE
t .FOTPTJBMJTBTJLBOLFUFOUVBOLFUFOUVBOJOUFSOBMCBOLEBO FYUFSOBMFYBNJOBUJPO
LFUFOUVBOMBJOZBOHCFSLBJUBOEFOHBOSVBOHMJOHLVQUVHBT t 1SPWJEF JOQVUT SFMBUFE UP UIF TDPQF PG XPSL UP UIF
EJMJOHLVOHBOEJWJTJOZB 4VQFSWJTPS
t .FOZFEJBLBOEBUBEPLVNFOUFSLBJUEFOHBOQFNFSJLTBBO t $BSSZPVUPUIFSUBTLTHJWFOCZUIF#PBSEPG%JSFDUPST
JOUFSOBM&LTUFSOBM
t .FMBLVLBOUJOEBLMBOKVUUFNVBOIBTJMQFNFSJLTBBOJOUFSOBM
FLTUFSOBM
t .FNCFSJLBONBTVLBOZBOHNFOZBOHLVUCJEBOHUVHBTOZB
LFQBEBBUBTBO
t .FMBLTBOBLBO UVHBTUVHBT MBJO ZBOH EJCFSJLBO PMFI
%JSFLTJ
Kewenangan Pemimpin SDM Authorities of the Head of the HR Division

t .FOBOEBUBOHBOJ 4VSBU EBO %PLVNFO MBJOOZB ZBOH t 4JHOMFUUFSTBOEPUIFSEPDVNFOUTSFMBUFEUPUIFUBTLTPGUIF
CFSLBJUBOEFOHBOUVHBT%JWJTJTFTVBJCBUBTLFXFOBOHBO EJWJTJPOXJUIJOUIFMJNJUTPGUIFBVUIPSJUJFTHSBOUFECZUIF
ZBOHEJCFSJLBOPMFI%JSFLTJ #PBSEPG%JSFDUPST
t .FXBLJMJ %JSFLTJ EBMBN IVCVOHBO EFOHBO QJIBL FLTUFSO t 3FQSFTFOUT UIF #PBSE PG %JSFDUPST JO UIF SFMBUJPOT XJUI
*OTUBOTJ 1FNFSJOUBI-FNCBHB MBJOOZB
EBMBN VQBZB FYUFSOBMQBSUJFT (PWFSONFOU"HFODJFT*OTUJUVUJPOT
JOUIF
QFODBQBJBONJTJ%JWJTJ4%.TFDBSBPQUJNBM FGGPSUTUPBDIJFWFUIFNJTTJPOPGPQUJNBM)VNBO3FTPVSDFT
%JWJTJPO

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
SUMBER DAYA MANUSIA
t .FMBLTBOBLBO QFOFSJNBBO QFHBXBJ TFTVBJ CBUBT t $POEVDU FNQMPZFF SFDSVJUNFOU XJUIJO UIF MJNJUT PG UIF
LFXFOBOHBOZBOHEJCFSJLBOPMFI%JSFLTJ BVUIPSJUJFTHSBOUFECZUIF#PBSEPG%JSFDUPST
t .FMBLTBOBLBONVUBTJ SPUBTJEBOEFNPTJQFHBXBJTFTVBJ t $POEVDU FNQMPZFF NVUBUJPO SPUBUJPO BOE EFNPUJPO
CBUBTLFXFOBOHBOZBOHEJCFSJLBOPMFI%JSFLTJ XJUIJOUIFMJNJUTPGUIFBVUIPSJUJFTHSBOUFECZUIF#PBSEPG
t .FOZFMFOHHBSBLBO assessment center VOUVL UFOBHB %JSFDUPST
1JNQJOBO TFTVBJ EFOHBO CBUBT LFXFOBOHBO ZBOH t &TUBCMJTIBOBTTFTTNFOUDFOUFSGPSMFBEFSTJOBDDPSEBODF
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t .FOZFMFOHHBSBLBO LPOTFMJOH LFQBEB QFHBXBJ UFSUFOUV %JSFDUPST
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t .FNCFSJLBO 1FOJMBJBO ,JOFSKB UFSIBEBQ 1FKBCBU EBO t 1SPWJEF 1FSGPSNBODF &WBMVBUJPO PG 0GmDFST BOE JUT
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EJCVUVILBO UIFSFRVJSFEDPNQFUFODJFT

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
291
HUMAN RESOURCES
Tugas Pemimpin Grup Administrasi SDM Task of the HR Administration Group Leader
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Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
TEKNOLOGI
INFORMASI
INFORMATION TECHNOLOGY

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
293
,FCFSBEBBO UFLOPMPHJ JOGPSNBTJ 5*

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Visi dan Misi Pelaksanaan Vision and Mission of the Implementation
Visi Vision
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Misi Mission
.FOZFEJBLBO BQMJLBTJ TFSUB JOGSBTUSVLUVS UFLOPMPHJ 1SPWJEF BQQMJDBUJPOT BOE JOGPSNBUJPO UFDIOPMPHZ
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Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
TEKNOLOGI INFORMASI
Tata Kelola TI IT Governance

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*5%JWJTJPO

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
295
Pelaksanaan Program 2014 2014 Program Implementation

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NBVQVO PMFI QJIBL WFOEPS BUBT QFSNJOUBBO BUBV LFCVUVIBO PG CBOL bjb %FWFMPQNFOUT DBSSJFE PVU BSF JO MJOF XJUI UIF
CBOL bjb 1FOHFNCBOHBO ZBOH EJMBLVLBO TFMBSBT EFOHBO CVTJOFTT QMBO PG UIF CBOL BOE UIF *OGPSNBUJPO 5FDIOPMPHZ
SFODBOBCJTOJTCBOLNBVQVOInformation Technology strategic 4USBUFHJD 1MBO *541
UIBU IBE CFFO QSFQBSFE TP UIBU JO
Plan *541
ZBOH UFMBI EJTVTVO TFIJOHHB EBMBN UBIVO UIFSFBSFBQQMJDBUJPOTBOEOFXGFBUVSFTUIBUBSFJOUIF
UFSEBQBUBQMJLBTJBQMJLBTJEBOmUVSmUVSCBSVZBOHNBTVLLF QSPEVDUJPOBSFB UPUBMJOHUP BTGPMMPXT
BSFBQSPEVLTJZBJUVTFKVNMBI TFCBHBJNBOBCFSJLVU
Type of Development
No Program Kerja Work Program
Inhouse External
&OIBODFNFOUbjb'BTU3FQSJOU1BTTCPPL ð &OIBODFNFOUbjb'BTU3FQSJOU1BTTCPPL
&OIBODFNFOUbjb'BTU.1/.PEVM ð &OIBODFNFOUbjb'BTU.1/.PEVM
&OIBODFNFOUbjb$"-. ð &OIBODFNFOUbjb$"-.
2VJDL$BTI)PTUUP)PTU)FBE0GmDF ð ð 2VJDL$BTI)PTUUP)PTU)FBE0GmDF
"QMJLBTJ8SJUF0GG 'JOBM
ð 8SJUF0GG"QQMJDBUJPO 'JOBM
bjb"VUP%FCJU4ZTUFN 5BCVOHBO5BOEBNBUB ð ð bjb"VUP%FCJU4ZTUFN 5BCVOHBO5BOEBNBUB

#FSKBOHLB
#FSKBOHLB

7 &OIBODFNFOU6TFS&YJUWBMJEBTJNFOV*5""(* ð &OIBODFNFOUPG6TFS&YJU.FOV7BMJEBUJPO*5""(*
&OIBODFNFOU6TFS&YJUWBMJEBTJNFOV*5" ð &OIBODFNFOUPG6TFS&YJU.FOV7BMJEBUJPO*5"
&OIBODFNFOU.FOV84( ð &OIBODFNFOU.FOV84(
'JY&RVBUJPO1BUDI)# ð ð 'JY&RVBUJPO1BUDI)#
&OIBODFNFOU6TFS&YJU)"79 ð &OIBODFNFOU6TFS&YJU)"79
&OIBODFNOFU6TFS&YJU).79 ð &OIBODFNOFU6TFS&YJU).79
&OIBODFNFOU6TFS&YJU("79 ð &OIBODFNFOU6TFS&YJU("79
(FCZBS5BOEBNBUB"LIJS5BIVO ð (FCZBS5BOEBNBUB&OEPG:FBS
&OIBODFNFOU.FOV:"/ *OGPSNBTJ"MBNBU ð &OIBODFNFOU.FOV:"/ "EESFTT$VTUPNFS
/BTBCBI
*OGPSNBUJPO
"QMJLBTJ4VC4ZTUFN#+' ð "QQMJDBUJPO4VC4ZTUFN#+'
4FUUJOH1BSBNFUFS/FX(JSP7BMBT ð 4FUUJOH1BSBNFUFS/FX(JSP7BMBT
.JHSBTJ(JSP7BMBT ð .JHSBTJ(JSP7BMBT
4FUUJOH1BSBNFUFS#JBZB"ENJOJTUSBTJ5BOEBNBUB ð 4FUUJOH1BSBNFUFS#JBZB"ENJOJTUSBTJ5BOEBNBUB
#JTOJT #JTOJT
4FUUJOH1BSBNFUFS,.,,PQFSBTJ ð 4FUUJOH1BSBNFUFS,.,,PQFSBTJ
4FUUJOH1BSBNFUFS,.,4VQQMZ$IBJO'JOBODJOH ð 4FUUJOH1BSBNFUFS,.,4VQQMZ$IBJO'JOBODJOH
4FUUJOH1BSBNFUFS,*,PQFSBTJ ð 4FUUJOH1BSBNFUFS,*,PQFSBTJ
4FUUJOH1BSBNFUFS13,,PQFSBTJ ð 4FUUJOH1BSBNFUFS13,,PQFSBTJ
4FUUJOH1BSBNFUFSbjb,1341SJNBSZ ð 4FUUJOH1BSBNFUFSbjb,1341SJNBSZ
4FUUJOH1BSBNFUFSbjb,1344FDPOE ð 4FUUJOH1BSBNFUFSbjb,1344FDPOE
4FUUJOH1BSBNFUFSbjb.PSUHBHF1SPQFSUJ6TBIB ð 4FUUJOH1BSBNFUFSbjb.PSUHBHF1SPQFSUJ6TBIB
5BLF0WFS9USB 5BLF0WFS9USB

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
TEKNOLOGI INFORMASI
Type of Development
Inhouse External
4FUUJOH1BSBNFUFS#+#,131FHBXBJ1FNCFMJBO ð 4FUUJOH1BSBNFUFS#+#,131FHBXBJ1FNCFMJBO
4FUUJOH1BSBNFUFS#+#.PSUHBHF1FHBXBJ ð 4FUUJOH1BSBNFUFS#+#.PSUHBHF1FHBXBJ
.FNCBOHVO .FNCBOHVO
4FUUJOH1BSBNFUFS#+#.PSUHBHF1FHBXBJ ð 4FUUJOH1BSBNFUFS#+#.PSUHBHF1FHBXBJ
.VMUJHVOB .VMUJHVOB
4FUUJOH1BSBNFUFS#+#.PSUHBHF1FHBXBJ5BLF ð 4FUUJOH1BSBNFUFS#+#.PSUHBHF1FHBXBJ5BLF
0WFS9USB 0WFS9USB
1FOBNCBIBO3FMBUJPOTIJQ0GmDFS1BEB.FOV%*. ð 1FOBNCBIBO3FMBUJPOTIJQ0GmDFS1BEB.FOV%*.
1FOBNCBIBO.FOV6OUVL1FNFMJIBSBBO%BUB30 ð 1FOBNCBIBO.FOV6OUVL1FNFMJIBSBBO%BUB30
5FTUJOH1FOBMUZ5FSIBEBQ1SPEVL.JLSPEBO ð 5FTUJOH1FOBMUZ5FSIBEBQ1SPEVL.JLSPEBO
,PNFSTJBM ,PNFSTJBM
5FTUJOH1BUDI13, ð ð 5FTUJOH1BUDI13,
1FSVCBIBO/BNB-PBO5ZQF,13 ð 1FSVCBIBO/BNB-PBO5ZQF,13
8JUIPMEJOH5BY 1FSIJUVOHBO1FOHFOBBO1BKBL
ð 8JUIPMEJOH5BY 1FSIJUVOHBO1FOHFOBBO1BKBL
4FUUJOH1BSBNFUFS13,,PQFSBTJ ð 4FUUJOH1BSBNFUFS13,,PQFSBTJ
&OIBODFNFOU.FOV%VLVOHBO#BOL ð &OIBODFNFOU.FOV%VLVOHBO#BOL
1FOHFOEBMJBO5FSIBEBQ$VTUPNFS5ZQF ð 1FOHFOEBMJBO5FSIBEBQ$VTUPNFS5ZQF
1FOHFOEBMJBO*OQVUCVOHB5BCVOHBOEBO(JSP ð 1FOHFOEBMJBO*OQVUCVOHB5BCVOHBOEBO(JSP
1FOHFOEBMJBO*OQVU5BOEBNBUB1VSOBCBLUJ ð 1FOHFOEBMJBO*OQVU5BOEBNBUB1VSOBCBLUJ
5BCVOHBOLV 5BCVOHBOLV
1FOHFOEBMJBO*OQVU4BMEP.JOJNVN1SPEVL ð 1FOHFOEBMJBO*OQVU4BMEP.JOJNVN1SPEVL
5BCVOHBO(JSP 5BCVOHBO(JSP
1FOHFOEBMJBO,PSFLTJ*OQVU"MBNBU/BTBCBI ð 1FOHFOEBMJBO,PSFLTJ*OQVU"MBNBU/BTBCBI
1FOHFOEBMJBO1SPTFT1FOFNQBUBO.JOJNVN ð 1FOHFOEBMJBO1SPTFT1FOFNQBUBO.JOJNVN
%FQPTJUP %FQPTJUP
1FOHFNCBOHBO"QMJLBTJ-.4 MPBO.HNU4ZTU
ð 1FOHFNCBOHBO"QMJLBTJ-.4 MPBO.HNU4ZTU
1FOHFNCBOHBO"QMJLBTJDVTUPEJ ð 1FOHFNCBOHBO"QMJLBTJDVTUPEJ
1FOHFNCBOHBO"QMJLBTJ#SBODI*TTVF ð 1FOHFNCBOHBO"QMJLBTJ#SBODI*TTVF
.BOBHFNFOU4ZTUFN1IBTF ).4
.BOBHFNFOU4ZTUFN1IBTF ).4
1FOHFNCBOHBOBQMJLBTJVOEJBO.JLSP ð 1FOHFNCBOHBOBQMJLBTJVOEJBO.JLSP
1FOHFNCBOHBO"QMJLBTJ+BNLSJOEP ,630O-JOF
ð 1FOHFNCBOHBO"QMJLBTJ+BNLSJOEP ,630O-JOF

%JWJTJ.JLSP %JWJTJ.JLSP
1FOHFNCBOHBO,VFTJPOFS$.0 ð 1FOHFNCBOHBO,VFTJPOFS$.0
1FOHFNCBOHBO.063FNJOEFS ð ð 1FOHFNCBOHBO.063FNJOEFS
1FOHFNCBOHBO4JTUFN"QMJLBTJ1FMBQPSBO*'5* ð 1FOHFNCBOHBO4JTUFN"QMJLBTJ1FMBQPSBO*'5*
*OUFSOBUJPOBM'VOE5SBOTGFS*OTUSVDUJPO
*OUFSOBUJPOBM'VOE5SBOTGFS*OTUSVDUJPO
1FOHFNCBOHBO4JTUFN"QMJLBTJ3$4" ð 1FOHFNCBOHBO4JTUFN"QMJLBTJ3$4"
1FOHFNCBOHBO4JTUFN"QMJLBTJ(BSBOTJCBOL ð 1FOHFNCBOHBO4JTUFN"QMJLBTJ(BSBOTJCBOL
1FOHFNCBOHBO8BMJ"NBOBU ð 1FOHFNCBOHBO8BMJ"NBOBU
1PSUGPMJP.BOBHFNFOUBOE"QQMJDBUJPO-JGFDZDMF ð 1PSUGPMJP.BOBHFNFOUBOE"QQMJDBUJPO-JGFDZDMF
.BOBHFNFOU .BOBHFNFOU
1FOHFNCBOHBO"QMJLBTJ)3*4 ð 1FOHFNCBOHBO"QMJLBTJ)3*4
"QMJLBTJEFQPTJUPCSFBLBCMFEBO%0$ ð "QMJLBTJEFQPTJUPCSFBLBCMFEBO%0$
1FOHFNCBOHBO'VOE5SBOTGFS1SJDJOH ð 1FOHFNCBOHBO'VOE5SBOTGFS1SJDJOH

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
297
Type of Development
Inhouse External
1FOHFNCBOHBO"QMJLBTJ-PTT&WFOU%BUBCBTF ð 1FOHFNCBOHBO"QMJLBTJ-PTT&WFOU%BUBCBTF
-&%
-&%
3FWJFXEBO&OIBODFNFOU40148*'5%JWJTJ5* ð 3FWJFXEBO&OIBODFNFOU40148*'5%JWJTJ5*
1FOHFNCBOHBO4JTUFN%)/ ð 1FOHFNCBOHBO4JTUFN%)/
1FOHFNCBOHBO4JTUFN*OGPSNBTJ$SFEJU$BSE ð 1FOHFNCBOHBO4JTUFN*OGPSNBTJ$SFEJU$BSE
&OIBODFNFOU6*.6TFS*%.BOBHFNFOU ð &OIBODFNFOU6*.6TFS*%.BOBHFNFOU
&OIBODFNFOU4*.130 ð &OIBODFNFOU4*.130
&OIBODFNFOU"QMJLBTJ5*1MVT ð &OIBODFNFOU"QMJLBTJ5*1MVT
&OIBODFNFOU"QMJLBTJ8FBMUI.BOBHFNFOU ð &OIBODFNFOU"QMJLBTJ8FBMUI.BOBHFNFOU
&OIBODFNFOU8FCTDPSJOH,13 ð &OIBODFNFOU8FCTDPSJOH,13
&OIBODFNFOU"QMJLBTJ1FUJLIBEJBI6OEJBOCKC ð &OIBODFNFOU"QMJLBTJ1FUJLIBEJBI6OEJBOCKC
1FNFMJIBSBBO"QMJLBTJ4*%6 ð 1FNFMJIBSBBO"QMJLBTJ4*%6
1FOHFNCBOHBO4JTUFN35(4EBO4(FO** ð 1FOHFNCBOHBO4JTUFN35(4EBO4(FO**
&OIBODFNFOU"QMJLBTJ5*1'9 55#"/,/05&4
ð &OIBODFNFOU"QMJLBTJ5*1'9 55#"/,/05&4

77 $SFEJU-JOF ð $SFEJU-JOF
,13+BNTPTUFL1FSIJUVOHBO"OVJUBT5BIVOBO ð ,13+BNTPTUFL1FSIJUVOHBO"OVJUBT5BIVOBO
1FOHFNCBOHBO"QMJLBTJFDBSFNBOBHFNFOU ð 1FOHFNCBOHBO"QMJLBTJFDBSFNBOBHFNFOU
VOUVLNFOEVLVOH0QFSBTJPOBM(SVQ&$IBOFM VOUVLNFOEVLVOH0QFSBTJPOBM(SVQ&$IBOFM
.BOBHFNFOU .BOBHFNFOU
&OIBODFNFOUCKCDBGF F2VFTUJPOFS
ð &OIBODFNFOUCKCDBGF F2VFTUJPOFS
&OIBODFNFOUCKCDBGF F%PLVNFO
ð &OIBODFNFOUCKCDBGF F%PLVNFO
&OIBODFNFOUCKCDBGF 4BMFT,*5
ð ð &OIBODFNFOUCKCDBGF 4BMFT,*5
*NQMFNFOUBTJ4NBSU".- *NQMFNFOUBTJ4NBSU".-
ð
1FNFMJIBSBBO*OUFSGBDF35(4(FO ð 1FNFMJIBSBBO*OUFSGBDF35(4(FO
1FNFMJIBSBBO"QMJLBTJ%1-, ð 1FNFMJIBSBBO"QMJLBTJ%1-,
1FNFMJIBSBBO"QMJLBTJ8FBMUI.BOBHFNFOU ð 1FNFMJIBSBBO"QMJLBTJ8FBMUI.BOBHFNFOU
#BODBTVSBODF 6OJU3FHJTUSZEBO'JO1MBO #BODBTVSBODF 6OJU3FHJTUSZEBO'JO1MBO
1FNFMJIBSBBO"QMJLBTJ4PGUXBSF5SBEF ð 1FNFMJIBSBBO"QMJLBTJ4PGUXBSF5SBEF
1FNFMJIBSBBO*OUFSGBDF01*$4 ð 1FNFMJIBSBBO*OUFSGBDF01*$4
1FNFMJIBSBBO"QMJLBTJ5*1 ð 1FNFMJIBSBBO"QMJLBTJ5*1
1FNFMJIBSBBO4XJGU7FOTZT ð 1FNFMJIBSBBO4XJGU7FOTZT
1FNFMJIBSBBO*$45SBOTHBUFXBZ ð 1FNFMJIBSBBO*$45SBOTHBUFXBZ
1FNFMJIBSBBO"QMJLBTJ5*1'9 ð 1FNFMJIBSBBO"QMJLBTJ5*1'9
1FNFMJIBSBBO"QMJLBTJ",,0 ð 1FNFMJIBSBBO"QMJLBTJ",,0
1FOHFNCBOHBO4JTUFN5*1MVT %JWJTJ*OUFSOBTJPOBM
ð 1FOHFNCBOHBO4JTUFN5*1MVT %JWJTJ*OUFSOBTJPOBM

1FOHFNCBOHBOEBO*NQFMFNFOUBTJ"QMJLBTJ-04 ð 1FOHFNCBOHBOEBO*NQFMFNFOUBTJ"QMJLBTJ-04
%JWJTJ.JLSP
%JWJTJ.JLSP

1FOHBEBBO4PGUXBSF.PSUHBHF0SJHJOBUJPO4ZTUFN ð 1FOHBEBBO4PGUXBSF.PSUHBHF0SJHJOBUJPO4ZTUFN
%JWJTJ,13EBO.PSUHBHF
%JWJTJ,13EBO.PSUHBHF

1FOHBEBBO4PGUXBSF0UPNBTJ/PTUSP %JWJTJ ð 1FOHBEBBO4PGUXBSF0UPNBTJ/PTUSP %JWJTJ
5SFBTVSZ
5SFBTVSZ

&OIBODFNFOU6QHSBEF01*$4 #JBZB*OTUBMBTJEBO ð &OIBODFNFOU6QHSBEF01*$4 #JBZB*OTUBMBTJEBO
*NQMFNFOUBTJ
%JWJTJ5SFBTVSZ *NQMFNFOUBTJ
%JWJTJ5SFBTVSZ

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
TEKNOLOGI INFORMASI
Type of Development
Inhouse External
1FOHBEBBO"QMJLBTJ1FOHFMPMBBO3JTJLP %JWJTJ$33
ð 1FOHBEBBO"QMJLBTJ1FOHFMPMBBO3JTJLP %JWJTJ$33

1FOHBEBBO5PPMT.BQQFSEBO7BMJEBUPS %JWJTJ ð 1FOHBEBBO5PPMT.BQQFSEBO7BMJEBUPS %JWJTJ
,FVBOHBOEBO"LVOUBOTJ
,FVBOHBOEBO"LVOUBOTJ

6QHSBEF4PGUXBSF9#3-TFOUBSMJTBTJQFMBQPSBO 6QHSBEF4PGUXBSF9#3-TFOUBSMJTBTJQFMBQPSBO
,FQBEB#BOL*OEPOFTJB %JWJTJ,FVBOHBOEBO ,FQBEB#BOL*OEPOFTJB %JWJTJ,FVBOHBOEBO
"LVOUBOTJ
"LVOUBOTJ

1FOHBEBBOBQMJLBTJQJQFMJOF %JWJTJ,PSQPSBTJEBO ð 1FOHBEBBOBQMJLBTJQJQFMJOF %JWJTJ,PSQPSBTJEBO
,PNFSTJBM
,PNFSTJBM

1FOHBEBBOBQMJLBTJNPOJUPSJOHLSFEJULPSQPSBTJEBO ð 1FOHBEBBOBQMJLBTJNPOJUPSJOHLSFEJULPSQPSBTJEBO
LPNFSTJBM %JWJTJ,PSQPSBTJEBO,PNFSTJBM
LPNFSTJBM %JWJTJ,PSQPSBTJEBO,PNFSTJBM
1FNCBZBSBOSFOFXBMTBT %JWJTJ.BOBKFNFO3JTJLP

ð 1FNCBZBSBOSFOFXBMTBT %JWJTJ.BOBKFNFO3JTJLP
1FOHFNCBOHBOBQMJLBTJ4."35 %JWJTJ.BOBKFNFO ð 1FOHFNCBOHBOBQMJLBTJ4."35 %JWJTJ.BOBKFNFO

3JTJLP
3JTJLP
1FOHFNCBOHBOBQMJLBTJ5,#EBO*$""1 %JWJTJ ð 1FOHFNCBOHBOBQMJLBTJ5,#EBO*$""1 %JWJTJ

.BOBKFNFO3JTJLP
.BOBKFNFO3JTJLP

-JTFOTJ01*$43JTL1MVT %JWJTJ.BOBKFNFO3JTJLP
ð -JTFOTJ01*$43JTL1MVT %JWJTJ.BOBKFNFO3JTJLP
1FNCFMJBO"QMJLBTJ1FMBQPSBO4*% ð 1FNCFMJBO"QMJLBTJ1FMBQPSBO4*%

1FOFNQBUBO %JWJTJ-BZBOBOEBO0QFSBTJPOBM
1FOFNQBUBO %JWJTJ-BZBOBOEBO0QFSBTJPOBM
1FOHFNCBOHBOEBTICPBSEEBOUPPMT.POJUPSJOH ð 1FOHFNCBOHBOEBTICPBSEEBOUPPMT.POJUPSJOH

"5. %JWJTJ-BZBOBOEBO0QFSBTJPOBM
"5. %JWJTJ-BZBOBOEBO0QFSBTJPOBM
1SPNFT$IBOHFT ð 1SPNFT$IBOHFT

8FCTDPSJOH.JLSP5JFS ð 8FCTDPSJOH.JLSP5JFS
4FSUJmLBTJ,BSUV #FSTBNB 3JOUJT "-50
ð 4FSUJmLBTJ,BSUV #FSTBNB 3JOUJT "-50
6QHSBEFQFSBOHLBUSFBEFS "5.&%$

ð 6QHSBEFQFSBOHLBUSFBEFS "5.&%$
6QHSBEF*' ð 6QHSBEF*'

"5./PO5VOBJ ð "5./PO5VOBJ
.PCJMF#BOLJOH ð .PCJMF#BOLJOH
1FOHFNCBOHBOmUVS"5. ð 1FOHFNCBOHBOmUVS"5.
1FOHFNCBOHBOmUVS&%$ ð ð 1FOHFNCBOHBOmUVS&%$
1FOHFNCBOHBOmUVS*OUFSOFU#BOLJOH ð ð 1FOHFNCBOHBOmUVS*OUFSOFU#BOLJOH
1FOHFNCBOHBOmUVS4.4#BOLJOH 1FOHFNCBOHBOmUVS4.4#BOLJOH
1FOHFNCBOHBOmUVS1IPOF#BOLJOH ð ð 1FOHFNCBOHBOmUVS1IPOF#BOLJOH
1FOHFNCBOHBO+BSJOHBO110# ð ð 1FOHFNCBOHBO+BSJOHBO110#
1FOHFNCBOHBO1SFQBJEPOMJOF ð 1FOHFNCBOHBO1SFQBJEPOMJOF
1FOHFNCBOHBO4NBSU$BSE ð 1FOHFNCBOHBO4NBSU$BSE
CKC(BQVSB 5SBOTBDUJPO(BUFXBZ
ð CKC(BQVSB 5SBOTBDUJPO(BUFXBZ
1FOHFNCBOHBOmUVS5SBEF1PSUBM ð 1FOHFNCBOHBOmUVS5SBEF1PSUBM

1FOHFNCBOHBOmUVS$BTI1PSUBM ð 1FOHFNCBOHBOmUVS$BTI1PSUBM
1FOHFNCBOHBO4.4(BUFXBZ ð 1FOHFNCBOHBO4.4(BUFXBZ
1FOBNCBIBO'JUVSFMFDUSPOJD#BOLJOH ð 1FOBNCBIBO'JUVSFMFDUSPOJD#BOLJOH
1FOHFNCBOHBO"QMJLBTJ))EFOHBO#+#4ZBSJBI ð 1FOHFNCBOHBO"QMJLBTJ))EFOHBO#+#4ZBSJBI
1FOHFNCBOHBO))EFOHBO#13 ð 1FOHFNCBOHBO))EFOHBO#13
CKC(BQVSB .1/
ð CKC(BQVSB .1/

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
299
Type of Development
Inhouse External
"QMJLBTJ))EFOHBO1FNQSPW+BCBSEBO1FNQSPW ð "QMJLBTJ))EFOHBO1FNQSPW+BCBSEBO1FNQSPW
#BOUFO #BOUFO
"QMJLBTJ))EFOHBO#115 ð ð "QMJLBTJ))EFOHBO#115
"QMJLBTJ))EFOHBO1%". ð "QMJLBTJ))EFOHBO1%".
"QMJLBTJ))EFOHBO*OTUJUVTJ1FOEJEJLBO ð "QMJLBTJ))EFOHBO*OTUJUVTJ1FOEJEJLBO
"QMJLBTJ))EFOHBO346% ð ð "QMJLBTJ))EFOHBO346%
.FOHFNCBOHLBO-BZBOBO$BTI.BOBHFNFOU ð .FOHFNCBOHLBO-BZBOBO$BTI.BOBHFNFOU
4ZTUFN#FSCBTJT8FC *OUFSOFU#BOLJOH$PSQPSBUF
4ZTUFN#FSCBTJT8FC *OUFSOFU#BOLJOH$PSQPSBUF
.FMBLVLBO1FOHFNCBOHBOIPTUUPIPTUEBOQPJOU ð .FMBLVLBO1FOHFNCBOHBOIPTUUPIPTUEBOQPJOU

UPIPTUEFOHBOOBTBCBIJOTUJUVTJVOUVLMBZBOBO UPIPTUEFOHBOOBTBCBIJOTUJUVTJVOUVLMBZBOBO
DBTINBOBHFNFOUTFSWJDF TFMVSVIUSBOTBLTJ DBTINBOBHFNFOUTFSWJDF TFMVSVIUSBOTBLTJ
NBVQVOOPOUSBOTBLTJCFSTJGBUFMFLUSPOJL
NBVQVOOPOUSBOTBLTJCFSTJGBUFMFLUSPOJL
CKC(BQVSB 5SBOTBDUJPO4XJUDIJOH

ð CKC(BQVSB 5SBOTBDUJPO4XJUDIJOH
1FOHFNCBOHBO8FC4FSWJDF %JWJTJ*OTUJUVTJPOBM

ð 1FOHFNCBOHBO8FC4FSWJDF %JWJTJ*OTUJUVTJPOBM

1FOHFNCBOHBOBQMJLBTJQFOBNCBIBOmUVS ð ð 1FOHFNCBOHBOBQMJLBTJQFOBNCBIBOmUVS
USBOTBLTJFDIBOOFMCBOLbjb 6OJU&MFDUSPOJD USBOTBLTJFDIBOOFMCBOLbjb 6OJU&MFDUSPOJD
#BOLJOH
#BOLJOH

bjb(BQVSB /PUPGPDBUJPO$FOUFS
ð ð bjb(BQVSB /PUPGPDBUJPO$FOUFS

1FOHFNCBOBHBOBQMJLBTJFDIBOOFMNBOBHFNFOU ð ð 1FOHFNCBOBHBOBQMJLBTJFDIBOOFMNBOBHFNFOU
VOUVLBQMJLBTJ IBSEXBSF EBOQSPTFTTFUVQIJOHHB VOUVLBQMJLBTJ IBSEXBSF EBOQSPTFTTFUVQIJOHHB
JNQMFNOFUBTJ 6OJU&MFDUSPOJDCBOLJOH
JNQMFNOFUBTJ 6OJU&MFDUSPOJDCBOLJOH

1FOHBEBBO7FOEPS&%$CBSVVOUVLNFNFOVIJ ð 1FOHBEBBO7FOEPS&%$CBSVVOUVLNFNFOVIJ
LFCVUVIBO.FTJO&%$CBOLbjb 6OJU$BSE$FOUFS
LFCVUVIBO.FTJO&%$CBOLbjb 6OJU$BSE$FOUFS

7JSUVBM"DDPVOU ð 7JSUVBM"DDPVOU
6QEBUF.JOFSWB ,MJFO4411
ð 6QEBUF.JOFSWB ,MJFO4411
1FOHFNCBOHBO4JTUFN&EVQBZ ð 1FOHFNCBOHBO4JTUFN&EVQBZ

3FTUSVLUVSJTBTJ.FOV"5. ð 3FTUSVLUVSJTBTJ.FOV"5.
#VML6QMPBE&5BY ð #VML6QMPBE&5BY
CKC(BQVSB 5SBOTBDUJPO3FNJUUBODF
ð CKC(BQVSB 5SBOTBDUJPO3FNJUUBODF
.POJUPSJOH"QMJLBTJ44113FUWJFX ð .POJUPSJOH"QMJLBTJ44113FUWJFX

*OTUBMBTJ.FTJO4411 ð *OTUBMBTJ.FTJO4411
1FSVCBIBO4LFNB5BOEBNBUB#JTOJT4411 ð 1FSVCBIBO4LFNB5BOEBNBUB#JTOJT4411
3FUDPNN 3FUDPNN
"QMJLBTJ'PSN#VLUJ#BZBS1BKBL ð "QMJLBTJ'PSN#VLUJ#BZBS1BKBL
"QMJLBTJ))$BMM$FOUFS ð "QMJLBTJ))$BMM$FOUFS
4JTUFN1BKBL1## 4JTUFN1BKBL1##
1FNLBC$JBNJT ð 1FNLBC$JBNJT
1FNLBC5BTJLNBMBZB ð 1FNLBC5BTJLNBMBZB
1FNLPU4VLBCVNJ ð 1FNLPU4VLBCVNJ
1FNLPU4FSBOH ð 1FNLPU4FSBOH
1FNLBC4VCBOH ð 1FNLBC4VCBOH
1FNLBC*OESBNBZV ð 1FNLBC*OESBNBZV
1FNLBC4VNFEBOH ð 1FNLBC4VNFEBOH
1FNLPU5BOHFSBOH ð 1FNLPU5BOHFSBOH

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
TEKNOLOGI INFORMASI
Type of Development
Inhouse External
1FNLBC,VOJOHBO ð 1FNLBC,VOJOHBO
1FNLBC(BSVU ð 1FNLBC(BSVU
1FNLBC1VSXBLBSUB ð 1FNLBC1VSXBLBSUB
1FNLBC-FCBL ð 1FNLBC-FCBL
1FNLPU$JMFHPO ð 1FNLPU$JMFHPO
1FNLBC$JSFCPO ð 1FNLBC$JSFCPO
1FNLPU5BOHFSBOH4FMBUBO ð 1FNLPU5BOHFSBOH4FMBUBO
1FNLBC4FSBOH ð 1FNLBC4FSBOH
1FNLBC5BOHFSBOH ð 1FNLBC5BOHFSBOH
1FNLBC1BOHBOEBSBO ð 1FNLBC1BOHBOEBSBO
4JTUFN#QIUC 4JTUFN#QIUC
1FNLBC,VOJOHBO ð 1FNLBC,VOJOHBO
1FNLBC.BKBMFOHLB ð 1FNLBC.BKBMFOHLB
1FNLBC#PHPS$JCJOPOH ð 1FNLBC#PHPS$JCJOPOH
1FNLPU5BOHFSBOH4FMBUBO&EVQBZ ð 1FNLPU5BOHFSBOH4FMBUBO&EVQBZ
4UJF&LVJUBT ð 4UJF&LVJUBT
6OXJN ð 6OXJN
4JTUFN1BKBL%BFSBI'JY1BZNFOU 4JTUFN1BKBL%BFSBI'JY1BZNFOU
,PUB#PHPS ð ,PUB#PHPS
,BCVQBUFO#PHPS ð ,BCVQBUFO#PHPS
4JTUFN1EBN1BZNFOU 4JTUFN1EBN1BZNFOU
,PUB$JSFCPO ð ,PUB$JSFCPO
Sumber Daya Manusia Human Resources
1. Komposisi sumber daya manusia di bidang TI 1. Human Resources Composition in the Field of IT
%BMBNNFMBLTBOBLBOUVHBTEBOUBOHHVOHKBXBCOZB %JWJTJ *ODBSSZJOHPVUJUTEVUJFTBOESFTQPOTJCJMJUJFT UIF%JWJTJPO
5FLOPMPHJ*OGPSNBTJCBOLbjbEJEVLVOHPMFI1FNJNQJO PG*OGPSNBUJPO5FDIOPMPHZPGCBOLbjbJTTVQQPSUFECZ
(SVQZBOHUFMBINFNJMJLJQFOHBMBNBOQFSCBOLBO4FUJBQ (SPVQ -FBEFST XIP IBT IBE CBOLJOH FYQFSJFODF &BDI
HSVQ UFSEJSJ EBSJ CFSCBHBJ UJOHLBUBO QFHBXB BOUBSB MBJO HSPVQ DPOTJTUT PG WBSJPVT MFWFMT PG FNQMPZFFT JODMVEF
KVOJPS TUBG PGmDFS TFOJPS PGmDFS EBO NBOBHFS 4FMBNB KVOJPS TUBGG PGmDFS TFOJPS PGmDFS BOE NBOBHFS %VSJOH
UBIVO KVNMBI 4%. %JWJTJ 5FLOPMPHJ *OGPSNBTJ CBOL UIF OVNCFS PG )3 JO UIF *OGPSNBUJPO 5FDIOPMPHZ
bjbBEBMBITFCBOZBLPSBOHLBSZBXBO EFOHBOSJODJBO %JWJTJPO PG CBOL bjb JT FNQMPZFFT XJUI UIF GPMMPXJOH
TFCBHBJCFSJLVU EFUBJMT
Jabatan Count of NIP Row Labels

"TTJTUBOU (SBEF
"TTJTUBOU (SBEF
"TTJTUBOU.BOBHFS (SBEF
"TTJTUBOU.BOBHFS (SBEF
"TTJTUBOU7JDF1SFTJEFOU (SBEF
+VOJPS"TTJTUBOU (SBEF
+VOJPS"TTJTUBOU (SBEF
.BOBHFS 5FOBHB"IMJ
.BOBHFS 5FOBHB"IMJ

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
301
Jabatan Count of NIP Row Labels

.BOBHFS4VQQPSU (SBEF
.BOBHFS4VQQPSU (SBEF
4FOJPS"TTJTUBOU (SBEF
4FOJPS"TTJTUBOU (SBEF
4FOJPS.BOBHFS4VQQPSU (SBEF
4FOJPS.BOBHFS4VQQPSU (SBEF
(SBOE5PUBM (SBOE5PUBM
Perkembangan struktur dan Sumber Daya Manusia Structure and Human Resources Development of the IT
Divisi TI sampai dengan Desember 2014 Division up to December 2014
%BMBN SBOHLB NFOJOHLBULBO MBZBOBO 5FLOPMPHJ *OGPSNBTJ EJ *OPSEFSUPJNQSPWF*5TFSWJDFTJOCBOLbjbUPCFBMJHOFEXJUI

MJOHLVOHBOCBOLbjbZBOHTFMBSBTEFOHBOLFCVUVIBOCJTOJT UIF CVTJOFTT OFFET BT XFMM BT SFGFSSJOH UP *5 (PWFSOBODF
TFSUB NFOHBDV QBEB TUBOEBS IT Governance best practice CFTU QSBDUJDF TUBOEBSET TVDI BT $0#*5 BOE *OGPSNBUJPO
NJTBMOZB $0#*5 *OGPSNBUJPO 5FDIOPMPHZ *OGSBTUSVDUVSF 5FDIOPMPHZ *OGSBTUSVDUVSF -JCSBSZ BO BQQSPQSJBUF *5 %JWJTJPO
-JCSBSZ NBLB EJTVTVOMBI TUSVLUVS PSHBOJTBTJ %JWJTJ 5FLOPMPHJ PSHBOJ[BUJPOBMTUSVDUVSFXBTESBGUFE
*OGPSNBTJZBOHTFTVBJ
4USVLUVS PSHBOJTBTJ UFSTFCVU NFODBLVQ TFMVSVI QSPTFT 5* 5IFPSHBOJ[BUJPOBMTUSVDUVSFDPWFSTBMM*5QSPDFTTFTUIBUTVQQPSU

ZBOH NFOEVLVOH LFCVUVIBO CJTOJT EBO compliance TFDBSB CVTJOFTT SFRVJSFNFOUT BOE DPNQMJBODF DPNQSFIFOTJWFMZ
MFOHLBQTFSUBEBQBUEJKBMBOLBOTFTVBJEFOHBO*5governance BOE DBO CF SVO JO BDDPSEBODF XJUI HPPE *5 HPWFSOBODF
ZBOHCBJL SFTQPOTJGUFSIBEBQTFUJBQNBTBMBIPQFSBTJPOBMEBO SFTQPOTJWFUPBOZPQFSBUJPOBMJTTVFTBOEIBTBMXBZTQMBZFE
TFMBMV CFSQFSBO BLUJG EBMBN NFOHIBTJMLBO MBZBOBO UFLOPMPHJ BO BDUJWF SPMF JO HFOFSBUJOH JOGPSNBUJPO UFDIOPMPHZ TFSWJDFT
JOGPSNBTJZBOHTFTVBJLFCVUVIBOCJTOJT UIBUBSFBQQSPQSJBUFXJUIUIFCVTJOFTTOFFET
4USVLUVS0SHBOJTBTJ%JWJTJ5FLOPMPHJ*OGPSNBTJ
0SHBOJ[BUJPO4USVDUVSF*OGPSNBUJPO5FDIOPMPHZ%JWJTJPO
DIREKTUR
OPERASI
DIVISI TEKNOLOGI INFORMASI
PEMIMPIN DIVISI
Grup Strategic & Planning Grup Core Banking *UXS+HDG2IÀFH Grup Liason & Project
Governance Application Application Management
Pemimpin Grup Pemimpin Grup Pemimpin Grup Pemimpin Grup
2IÀFHU 2IÀFHU 2IÀFHU Manager
Staff Staff 2IÀFHU
Grup Switching & Grup System & Network Grup QA & Security Grup Helpdesk & DC
Interchanel Management Management Operation
Pemimpin Grup Pemimpin Grup Pemimpin Grup Pemimpin Grup
2IÀFHU 2IÀFHU 2IÀFHU 2IÀFHU
Staff Staff Staff Staff
4FMBJO JUV VOUVL NFOJOHLBULBO LPNQFUFOTJ NBTJOHNBTJOH *OBEEJUJPO USBJOJOHTPSHBOJ[FEJOUFSOBMMZPSFYUFSOBMMZBUIPNF

QFSTPOJM EJWJTJ 5FLOPMPHJ *OGPSNBTJ EJMBLVLBO EFOHBO NFMBMVJ BOE PWFSTFBT BSF DPOEVDUFE UP JNQSPWF UIF DPNQFUFODF PG
QFMBUJIBOQFMBUJIBO ZBOH EJTFMFOHHBSBLBO JOUFSOBM NBVQVO FBDI*5%JWJTJPQFSTPOOFM
FLTUFSOBMCBJLEJEBMBNEBOMVBSOFHFSJ

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
TEKNOLOGI INFORMASI
2. Pendidikan dan Pelatihan 2. Education and Training

4FMBNB UBIVO %JWJTJ 5FLOPMPHJ *OGPSNBTJ CBOL bjb %VSJOH UIF*OGPSNBUJPO5FDIOPMPHZ%JWJTJPOPGCBOL
UFMBI NFOHJLVUJ QFMBUJIBO EBO QFOEJEJLBO UFSLBJU CJEBOH bjb IBT QBSUJDJQBUFE JO USBJOJOH BOE FEVDBUJPO SFMBUFE
UFLOPMPHJJOGPSNBTJCBJLJUVZBOHEJTFMFOHHBSBLBOinhouse UP UIF mFME PG JOGPSNBUJPO UFDIOPMPHZ CPUI PSHBOJ[FE JO
trainingNBVQVOEJMVBSCBOLbjb CFSJLVUEBUBQFOEJEJLBO IPVTFBOEPVUTJEFUIFCBOLbjb UIFGPMMPXJOHEBUBJTUIF
EBO QFMBUJIBO ZBOH UFMBI EJJLVUJ PMFI 4%. 5FLOPMPHJ FEVDBUJPOBOEUSBJOJOHUIBUIBTCFFOQBSUJDJQBUFECZUIF
*OGPSNBTJCBOLbjb )3PG*OGPSNBUJPO5FDIOPMPHZPGCBOLCKC
No. Jabatan/Position Pelatihan/Training Tempat/

Location
1FNJNQJO(SVQ)FBE0GmDF"QQMJDBUJPO )PX5P$SFBUF-4.,8JUI9#3- +BLBSUB
1FNJNQJO(SVQ)FBE0GmDF"QQMJDBUJPO .BOBKFNFO3JTJLP"OHLBUBO #BOEVOH
1FNJNQJO(SVQ)FBE0GmDF"QQMJDBUJPO .BOBHJOH*53JTL +BLBSUB
1FNJNQJO(SVQ)FBE0GmDF"QQMJDBUJPO 0VUCPOE%JWJTJ5FLOPMPHJ*OGPSNBTJ #BOEVOH
1FNJNQJO(SVQ-JBTPO1SPKFDU.BOBHFNFOU 1FMBUJIBO4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM +BLBSUB
1FNJNQJO(SVQ-JBTPO1SPKFDU.BOBHFNFOU 6KJBO4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM #BOEVOH
7 1FNJNQJO(SVQ-JBTPO1SPKFDU.BOBHFNFOU -FBEFSTIJQ.BOBHJOH1FPQMF #BOEVOH
1FNJNQJO(SVQ-JBTPO1SPKFDU.BOBHFNFOU 0VUCPOE%JWJTJ5FLOPMPHJ*OGPSNBTJ #BOEVOH
0GmDFS2VBMJUZ"TTVSBODF 1FMBUJIBO.BOBKFNFO3JTJLP"OHLBUBO #BOEVOH
0GmDFS2VBMJUZ"TTVSBODF 5SBJOJOH*51SPKFDU.BOBHFNFOU#BTFE0O1.#0, +BLBSUB
0GmDFS2VBMJUZ"TTVSBODF 0VUCPOE%JWJTJ5FLOPMPHJ*OGPSNBTJ #BOEVOH
0GmDFS2VBMJUZ"TTVSBODF 1FMBUJIBO3QH*W1SPHSBNNJOH'SPN#BTJD5P"EWBODF +BLBSUB
8PSLTIPQ
+VOJPS4UBGG)FMQEFTL 0VUCPOE%JWJTJ5FLOPMPHJ*OGPSNBTJ #BOEVOH
+VOJPS4UBGG3FQBJS$FOUFS6TFS4VQQPSU 1FOHFOBMBO%BO1FOHFNCBOHBO"5./%$ +BLBSUB
+VOJPS4UBGG3FQBJS$FOUFS6TFS4VQQPSU 0VUCPOE%JWJTJ5FLOPMPHJ*OGPSNBTJ #BOEVOH
+VOJPS4UBGG%BUB$FOUFS%3$ 0VUCPOE%JWJTJ5FLOPMPHJ*OGPSNBTJ #BOEVOH
+VOJPS4UBGG%BUB$FOUFS%3$ 1FMBUJIBO*NQMFNFOUJOH42-4FSWFS%BUB8BSFIPVTF #BOEVOH
+VOJPS4UBGG/FUXPSL4FDVSJUZ&OHJOFFS 0VUCPOE%JWJTJ5FLOPMPHJ*OGPSNBTJ #BOEVOH
0GmDFS%BUB$FOUFS%3$ $PBDIJOH"OE$PVOTFMMJOH4LJMM #BOEVOH
0GmDFS%BUB$FOUFS%3$ 0VUCPOE%JWJTJ5FLOPMPHJ*OGPSNBTJ #BOEVOH
0GmDFS%BUB$FOUFS%3$ 1FMBUJIBO3QH*W1SPHSBNNJOH'SPN#BTJD5P"EWBODF +BLBSUB
8PSLTIPQ
+VOJPS4UBG4FDVSJUZ"ENJO 0VUCPOE%JWJTJ5FLOPMPHJ*OGPSNBTJ #BOEVOH
+VOJPS4UBGG%BUB$FOUFS%SD 0VUCPOE%JWJTJ5FLOPMPHJ*OGPSNBTJ #BOEVOH
+VOJPS4UBGG3FQBJS$FOUFS6TFS4VQQPSU 1FMBUJIBO$BMPO1FHBXBJCBOLbjb"OHLBUBO5BIVO #BOEVOH
+VOJPS4UBGG3FQBJS$FOUFS6TFS4VQQPSU $IBSBDUFS#VJMEJOH4FNJ.JMJUFS"OHLBUBO #BOEVOH
.BOBHFS1SPKFDU.BOBHFNFOU "16115 #BOEVOH
.BOBHFS1SPKFDU.BOBHFNFOU $FSUJmFE*OGPSNBUJPO4ZTUFN"VEJUPS #BOEVOH
.BOBHFS1SPKFDU.BOBHFNFOU 0VUCPOE%JWJTJ5FLOPMPHJ*OGPSNBTJ #BOEVOH
4FOJPS0GmDFS)FMQEFTL .BTUFSJOH*51SPKFDU.BOBHFNFOU#BTFE0O1NCPL +BLBSUB
4FOJPS0GmDFS)FMQEFTL 4FSWJDF-FBEFSTIJQ #BOEVOH

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
303

Location
4FOJPS0GmDFS)FMQEFTL .BOBHJOH*53JTL +BLBSUB
4FOJPS0GmDFS)FMQEFTL 0VUCPOE%JWJTJ5FLOPMPHJ*OGPSNBTJ #BOEVOH
1FNJNQJO(SVQ4ZTUFN/FUXPSL.BOBHFNFOU 1FMBUJIBO$PSQPSBUF#VEHFUJOH +BLBSUB
1FNJNQJO(SVQ4ZTUFN/FUXPSL.BOBHFNFOU 0VUCPOE%JWJTJ5FLOPMPHJ*OGPSNBTJ #BOEVOH
0GmDFS1SPHSBNNFS4XJUDIJOH*OUFSDIBOOFM .BTUFSJOH*51SPKFDU.BOBHFNFOU#BTFE0O1.#0, +BLBSUB
0GmDFS1SPHSBNNFS4XJUDIJOH*OUFSDIBOOFM *40 +BLBSUB
0GmDFS1SPHSBNNFS4XJUDIJOH*OUFSDIBOOFM 1FOHFOBMBO%BO1FOHFNCBOHBO"5./%$ +BLBSUB
0GmDFS1SPHSBNNFS4XJUDIJOH*OUFSDIBOOFM 0VUCPOE%JWJTJ5FLOPMPHJ*OGPSNBTJ #BOEVOH
1FNJNQJO(SVQ$PSF#BOLJOH"QQMJDBUJPO *51SPKFDU.BOBHFNFOU#BTFE0O1.#0, +BLBSUB
1FNJNQJO(SVQ$PSF#BOLJOH"QQMJDBUJPO 0VUCPOE%JWJTJ5FLOPMPHJ*OGPSNBTJ #BOEVOH
1FNJNQJO(SVQ$PSF#BOLJOH"QQMJDBUJPO 1FMBUJIBO$FSUJmFE*OGPSNBUJPO4ZTUFN"VEJUPS #BOEVOH
1FNJNQJO(SVQ)FMQ%FTL%$0QFSBUJPO &GGFDUJWF1SFTFOUBUJPO4LJMM #BOEVOH
1FNJNQJO(SVQ)FMQ%FTL%$0QFSBUJPO 1FMBUJIBO4USBUFHJD.BOBHFNFOU #BOEVOH
1FNJNQJO(SVQ)FMQ%FTL%$0QFSBUJPO 0VUCPOE%JWJTJ5FLOPMPHJ*OGPSNBTJ #BOEVOH
0GmDFS%BUB$FOUFS%3$ 31(*71SPHSBNNJOH#BTJD5P"EWBODF +BLBSUB
0GmDFS%BUB$FOUFS%3$ 1FMBUJIBO.BOBKFNFO3JTJLP"OHLBUBO #BOEVOH
0GmDFS%BUB$FOUFS%3$ 1FMBUJIBO.BOBHJOH*53JTLo4FSJFT (3$*5(07
+BLBSUB
+VOJPS4UBGG)FMQEFTL $IBSBDUFS#VJMEJOH"OHLBUBO #BOEVOH
+VOJPS4UBG"ENJOJTUSBTJ4XJUDIJOH*OUFSDIBOOFM 0VUCPOE%JWJTJ5FLOPMPHJ*OGPSNBTJ #BOEVOH
+VOJPS4UBG"ENJOJTUSBTJ4XJUDIJOH*OUFSDIBOOFM 1FMBUJIBO.PCJMF"QQMJDBUJPO%FWFMPQNFOU'PS"OESPJE #BOEVOH
0GmDFS1SPHSBNNFS$PSF#BOLJOH"QQMJDBUJPO *40 +BLBSUB
0GmDFS1SPHSBNNFS$PSF#BOLJOH"QQMJDBUJPO 31(*71SPHSBNNJOH#BTJD5P"EWBODF +BLBSUB
0GmDFS1SPHSBNNFS$PSF#BOLJOH"QQMJDBUJPO 0VUCPOE%JWJTJ5FLOPMPHJ*OGPSNBTJ #BOEVOH
0GmDFS1SPHSBNNFS$PSF#BOLJOH"QQMJDBUJPO $IBOHF"HFOU #BOEVOH
.BOBHFS-JBJTPO 3FGSFTINFOU.BOBKFNFO3JTJLP +BLBSUB
.BOBHFS-JBJTPO 0VUCPOE$BCBOH#TE #BOEVOH
.BOBHFS-JBJTPO *51SPKFDU.BOBHFNFOU#BTFE0O1.#0, +BLBSUB
.BOBHFS-JBJTPO 5SBJOJOH#VTJOFTT"OBMZTJT'PVOEBUJPO +BLBSUB
.BOBHFS-JBJTPO 0VUCPOE%JWJTJ5FLOPMPHJ*OGPSNBTJ #BOEVOH
0GmDFS1SPHSBNNFS)FBE0GmDF"QQMJDBUJPO *40 +BLBSUB
0GmDFS1SPHSBNNFS)FBE0GmDF"QQMJDBUJPO 1FOHFOBMBO%BO1FOHFNCBOHBO"5./%$ +BLBSUB
0GmDFS1SPHSBNNFS)FBE0GmDF"QQMJDBUJPO 5SBJOJOH#VTJOFTT"OBMZTJT'PVOEBUJPO +BLBSUB
0GmDFS1SPHSBNNFS)FBE0GmDF"QQMJDBUJPO 0VUCPOE%JWJTJ5FLOPMPHJ*OGPSNBTJ #BOEVOH
.BOBHFS4ZTUFN"OBMZTU4XJUDIJOH*OUFSDIBOOFM 1SPCMFN4PMWJOH"OE%FDJTJPO.BLJOH #BOEVOH
.BOBHFS4ZTUFN"OBMZTU4XJUDIJOH*OUFSDIBOOFM 0VUCPOE%JWJTJ5FLOPMPHJ*OGPSNBTJ #BOEVOH

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
TEKNOLOGI INFORMASI

Location
4UBG2VBMJUZ"TTVSBODF 0GmDFS1SPHSBN"OHLBUBO #BOEVOH
4UBG2VBMJUZ"TTVSBODF 0VUCPOE%JWJTJ5FLOPMPHJ*OGPSNBTJ #BOEVOH
4UBG2VBMJUZ"TTVSBODF *53JTL.BOBHFNFOU +BLBSUB
0GmDFS4FDVSJUZ"ENJO 4USFTT.BOBHFNFOU #BOEVOH
77 0GmDFS4FDVSJUZ"ENJO 0VUCPOE%JWJTJ5FLOPMPHJ*OGPSNBTJ #BOEVOH
+VOJPS4UBGG%$%3"ENJOJTUSBUJPO %PDVNFOUBUJPO %PDVNFOU$POUSPM'JMMJOH4ZTUFN :PHZBLBSUB
"TTFU.BOBHFNFOU
+VOJPS4UBGG%$%3"ENJOJTUSBUJPO %PDVNFOUBUJPO 0VUCPOE%JWJTJ5FLOPMPHJ*OGPSNBTJ #BOEVOH
"TTFU.BOBHFNFOU
1FNJNQJO(SVQ4USBUFHJD1MBOOJOH(PWFSOBODF 3FGSFTINFOU.BOBKFNFO3JTJLP +BLBSUB
1FNJNQJO(SVQ4USBUFHJD1MBOOJOH(PWFSOBODF 0VUCPOE%JWJTJ5FLOPMPHJ*OGPSNBTJ #BOEVOH
+VOJPS4UBG"ENJOJTUSBTJ)FBE0GmDF"QQMJDBUJPO 1FOHFOBMBO1FSCBOLBO$BMPO1FHBXBJ"OHLBUBO #BOEVOH
+VOJPS4UBG"ENJOJTUSBTJ)FBE0GmDF"QQMJDBUJPO $IBSBDUFS#VJMEJOH"OHLBUBO #BOEVOH
+VOJPS4UBG"ENJOJTUSBTJ)FBE0GmDF"QQMJDBUJPO 0VUCPOE%JWJTJ5FLOPMPHJ*OGPSNBTJ #BOEVOH
+VOJPS4UBG"ENJOJTUSBUJPO %PDVNFOUBUJPO "TTFU 0VUCPOE%JWJTJ5FLOPMPHJ*OGPSNBTJ #BOEVOH
.BOBHFNFOU4ZTUFN/FUXPSL.BOBHFNFOU
0GmDFS4ZTUFN&OHJOFFS $PBDIJOH"OE$PVOTFMMJOH4LJMM #BOEVOH
0GmDFS4ZTUFN&OHJOFFS 0VUCPOE%JWJTJ5FLOPMPHJ*OGPSNBTJ #BOEVOH
0GmDFS4ZTUFN&OHJOFFS 1FMBUJIBO*NQMFNFOUJOH42-4FSWFS%BUB8BSFIPVTF #BOEVOH
0GmDFS4ZTUFN&OHJOFFS 1FMBUJIBO5JNF.BOBHFNFOU #BOEVOH
0GmDFS2VBMJUZ"TTVSBODF $PBDIJOH"OE$PVOTFMMJOH4LJMM #BOEVOH
0GmDFS2VBMJUZ"TTVSBODF *51SPKFDU.BOBHFNFOU#BTFE0O1.#0, +BLBSUB
0GmDFS2VBMJUZ"TTVSBODF 0VUCPOE%JWJTJ5FLOPMPHJ*OGPSNBTJ #BOEVOH
+VOJPS4UBG"ENJOJTUSBTJ)FBE0GmDF"QQMJDBUJPO %PDVNFOU$POUSPM'JMMJOH4ZTUFN :PHZBLBSUB
+VOJPS4UBG"ENJOJTUSBTJ)FBE0GmDF"QQMJDBUJPO 5SBJOJOH#VTJOFTT"OBMZTJT'PVOEBUJPO +BLBSUB
1FNJNQJO%JWJTJ5FLOPMPHJ*OGPSNBTJ 0VUCPOE%JWJTJ5FLOPMPHJ*OGPSNBTJ #BOEVOH
4UBG"ENJOJTUSBTJ-JBTPO1SPKFDU.BOBHFNFOU 0GmDFS1SPHSBN"OHLBUBO #BOEVOH
4UBG"ENJOJTUSBTJ-JBTPO1SPKFDU.BOBHFNFOU *51SPKFDU.BOBHFNFOU#BTFE0O1.#0, +BLBSUB
4UBG"ENJOJTUSBTJ-JBTPO1SPKFDU.BOBHFNFOU 5SBJOJOH#VTJOFTT"OBMZTJT'PVOEBUJPO +BLBSUB
4UBG"ENJOJTUSBTJ-JBTPO1SPKFDU.BOBHFNFOU 0VUCPOE%JWJTJ5FLOPMPHJ*OGPSNBTJ #BOEVOH
+VOJPS4UBG"ENJOJTUSBTJ)FBE0GmDF"QQMJDBUJPO 1FOHFOBMBO1FSCBOLBO$BMPO1FHBXBJ"OHLBUBO #BOEVOH
+VOJPS4UBG"ENJOJTUSBTJ)FBE0GmDF"QQMJDBUJPO $IBSBDUFS#VJMEJOH4FNJ.JMJUFS"OHLBUBO 1VTEJLUPQ
+VOJPS4UBG"ENJOJTUSBTJ)FBE0GmDF"QQMJDBUJPO %FWFMPQNFOU8FC"QQMJDBUJPO6TJOH"41OFU #BOEVOH
+VOJPS4UBG"ENJOJTUSBTJ)FBE0GmDF"QQMJDBUJPO 1FMBUJIBO.PCJMF"QQMJDBUJPO%FWFMPQNFOU'PS"OESPJE #BOEVOH
0GmDFS)FMQEFTL 1FMBUJIBO.BOBKFNFO3JTJLP"OHLBUBO #BOEVOH

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
305

Location
0GmDFS)FMQEFTL 5SBJOJOH*51SPKFDU.BOBHFNFOU#BTFE0O1.#0, +BLBSUB
0GmDFS)FMQEFTL 1FOHBEBBO#BSBOH%BO+BTB*51FSCBOLBO :PHZBLBSUB
0GmDFS)FMQEFTL 0VUCPOE%JWJTJ5FLOPMPHJ*OGPSNBTJ #BOEVOH
0GmDFS1SPHSBNNFS4XJUDIJOH*OUFSDIBOOFM 1FMBUJIBO.BOBKFNFO3JTJLP"OHLBUBO #BOEVOH
0GmDFS1SPHSBNNFS4XJUDIJOH*OUFSDIBOOFM 1FMBUJIBO.BOBHJOH*U3JTLo4FSJFT (SD*5HPW
+BLBSUB
0GmDFS1SPHSBNNFS4XJUDIJOH*OUFSDIBOOFM 1FMBUJIBO.PCJMF"QQMJDBUJPO%FWFMPQNFOU'PS"OESPJE #BOEVOH
+VOJPS4UBG2VBMJUZ"TTVSBODF $IBSBDUFS#VJMEJOH4FNJ.JMJUFS"OHLBUBO #BOEVOH
+VOJPS4UBG2VBMJUZ"TTVSBODF 1FMBUJIBO$BMPO1FHBXBJCBOLbjb"OHLBUBO5BIVO #BOEVOH
+VOJPS4UBG2VBMJUZ"TTVSBODF 0VUCPOE%JWJTJ5FLOPMPHJ*OGPSNBTJ #BOEVOH
0GmDFS4ZTUFN&OHJOFFS 1FMBUJIBO.BOBKFNFO3JTJLP"OHLBUBO #BOEVOH
0GmDFS4ZTUFN&OHJOFFS 0VUCPOE%JWJTJ5FLOPMPHJ*OGPSNBTJ #BOEVOH
0GmDFS)FMQEFTL $PBDIJOH"OE$PVOTFMMJOH4LJMM #BOEVOH
0GmDFS)FMQEFTL 4BMFT1SFTFOUBUJPO4LJMM #BOEVOH
0GmDFS)FMQEFTL 0VUCPOE%JWJTJ5FLOPMPHJ*OGPSNBTJ #BOEVOH
0GmDFS)FMQEFTL 1FMBUJIBO.BOBHJOH*53JTLo4FSJFT (3$*5(07
+BLBSUB
0GmDFS1SPHSBNNFS$PSF#BOLJOH"QQMJDBUJPO .BOBKFNFO3JTJLP"OHLBUBO #BOEVOH
0GmDFS1SPHSBNNFS$PSF#BOLJOH"QQMJDBUJPO *51SPKFDU.BOBHFNFOU#BTFE0O1NCPL +BLBSUB
0GmDFS1SPHSBNNFS$PSF#BOLJOH"QQMJDBUJPO 1FMBUJIBO.BOBHJOH*53JTLo4FSJFT (3$*5(07
+BLBSUB
0GmDFS1SPHSBNNFS$PSF#BOLJOH"QQMJDBUJPO 'VOE5SBOTGFS1SJDJOH #BOEVOH
0GmDFS%BUB$FOUFS%3$ .BOBKFNFO3JTJLP"OHLBUBO #BOEVOH
+VOJPS4UBG%D%S-JCSBSJBO %PDVNFOU$POUSPM'JMMJOH4ZTUFN :PHZBLBSUB
+VOJPS4UBG%D%S-JCSBSJBO 0VUCPOE%JWJTJ5FLOPMPHJ*OGPSNBTJ #BOEVOH
+VOJPS4UBG( $IBSBDUFS#VJMEJOH"OHLBUBO #BOEVOH
4FOJPS0GmDFS-JBJTPO .BTUFSJOH*51SPKFDU.BOBHFNFOU#BTFE0O1.#0, +BLBSUB
4FOJPS0GmDFS-JBJTPO 4FSWJDF-FBEFSTIJQ #BOEVOH
4FOJPS0GmDFS-JBJTPO .BOBHJOH*53JTL +BLBSUB
4FOJPS0GmDFS-JBJTPO 0VUCPOE%JWJTJ5FLOPMPHJ*OGPSNBTJ #BOEVOH
4UBG3FQBJS$FOUFS6TFS4VQQPSU 0GmDFS1SPHSBN"OHLBUBO #BOEVOH
4UBG3FQBJS$FOUFS6TFS4VQQPSU 0VUCPOE%JWJTJ5FLOPMPHJ*OGPSNBTJ #BOEVOH
0GmDFS1SPKFDU.BOBHFNFOU $PBDIJOH"OE$PVOTFMMJOH4LJMM #BOEVOH
0GmDFS1SPKFDU.BOBHFNFOU .BTUFSJOH*51SPKFDU.BOBHFNFOU#BTFE0O1.#0, +BLBSUB
0GmDFS1SPKFDU.BOBHFNFOU .BOBHJOH*53JTL +BLBSUB

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
TEKNOLOGI INFORMASI

Location
0GmDFS1SPKFDU.BOBHFNFOU 1FOHBEBBO#BSBOH%BO+BTB*51FSCBOLBO :PHZBLBSUB
0GmDFS1SPKFDU.BOBHFNFOU 0VUCPOE%JWJTJ5FLOPMPHJ*OGPSNBTJ #BOEVOH
0GmDFS1SPHSBNNFS4XJUDIJOH*OUFSDIBOOFM $PBDIJOH"OE$PVOTFMMJOH4LJMM #BOEVOH
0GmDFS1SPHSBNNFS4XJUDIJOH*OUFSDIBOOFM 1FMBUJIBO31(*71SPHSBNNJOH'SPN#BTJD5P"EWBODF +BLBSUB
8PSLTIPQ
1FNJNQJO(SVQ4XJUDIJOH*OUFSDIBOOFM 8PSLTIPQ1FSTJBQBO*NQMFNFOUBTJ5FLOPMPHJ,BSUV$IJQ +BLBSUB
(/4*$$4
"EWBODF
1FNJNQJO(SVQ4XJUDIJOH*OUFSDIBOOFM *51SPKFDU.BOBHFNFOU#BTFE0O1NCPL +BLBSUB
1FNJNQJO(SVQ4XJUDIJOH*OUFSDIBOOFM 0VUCPOE%JWJTJ5FLOPMPHJ*OGPSNBTJ #BOEVOH
1FNJNQJO(SVQ4XJUDIJOH*OUFSDIBOOFM 1FMBUJIBO$FSUJmFE*OGPSNBUJPO4ZTUFN"VEJUPS #BOEVOH
.BOBHFS)FMQEFTL *51SPKFDU.BOBHFNFOU#BTFE0O1.#0, +BLBSUB
.BOBHFS)FMQEFTL 0VUCPOE%JWJTJ5FLOPMPHJ*OGPSNBTJ #BOEVOH
0GmDFS1SPHSBNNFS4XJUDIJOH*OUFSDIBOOFM $PBDIJOH"OE$POTFMMJOH #BOEVOH
+VOJPS4UBG"ENJOJTUSBTJ$PSF#BOLJOH"QQMJDBUJPO %PDVNFOU$POUSPM'JMMJOH4ZTUFN :PHZBLBSUB
+VOJPS4UBG"ENJOJTUSBTJ$PSF#BOLJOH"QQMJDBUJPO 3QH*W1SPHSBNNJOH#BTJD5P"EWBODF +BLBSUB
+VOJPS4UBG"ENJOJTUSBTJ$PSF#BOLJOH"QQMJDBUJPO 0VUCPOE%JWJTJ5FLOPMPHJ*OGPSNBTJ #BOEVOH
4FOJPS0GmDFS4ZTUFN&OHJOFFS 5SBJOJOH*51SPKFDU.BOBHFNFOU#BTFE0O1.#0, +BLBSUB
4FOJPS0GmDFS4ZTUFN&OHJOFFS 0VUCPOE%JWJTJ5FLOPMPHJ*OGPSNBTJ #BOEVOH
+VOJPS4UBG"ENJOJTUSBTJ)FBE0GmDF"QQMJDBUJPO )PX5P$SFBUF-4.,8JUI9#3- +BLBSUB
+VOJPS4UBG"ENJOJTUSBTJ)FBE0GmDF"QQMJDBUJPO %FWFMPQNFOU8FC"QQMJDBUJPO6TJOH"41OFU #BOEVOH
+VOJPS4UBG"ENJOJTUSBTJ)FBE0GmDF"QQMJDBUJPO 1FMBUJIBO*NQMFNFOUJOH4RM4FSWFS%BUB8BSFIPVTF #BOEVOH
1FNJNQJO(SVQ2B4FDVSJUZ.BOBHFNFOU 1FMBUJIBO4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM +BLBSUB
1FNJNQJO(SVQ2B4FDVSJUZ.BOBHFNFOU 6KJBO4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM #BOEVOH
1FNJNQJO(SVQ2B4FDVSJUZ.BOBHFNFOU -FBEFSTIJQ.BOBHJOH1FPQMF #BOEVOH
1FNJNQJO(SVQ2B4FDVSJUZ.BOBHFNFOU 0VUCPOE%JWJTJ5FLOPMPHJ*OGPSNBTJ #BOEVOH
+VOJPS4UBG"ENJOJTUSBTJ)FBE0GmDF"QQMJDBUJPO 1FMBUJIBO8FC%FWFMPQNFOU6TJOH)5.-$44"OE #BOEVOH
+BWBTDSJQU
+VOJPS4UBG"ENJOJTUSBTJ)FBE0GmDF"QQMJDBUJPO 7JTVBM$1SPHSBNNJOH'VOEBNFOUBM #BOEVOH
+VOJPS4UBG"ENJOJTUSBTJ)FBE0GmDF"QQMJDBUJPO 1FMBUJIBO*NQMFNFOUJOH4RM4FSWFS%BUB8BSFIPVTF #BOEVOH
+VOJPS4UBG"ENJOJTUSBTJ)FBE0GmDF"QQMJDBUJPO 'VOE5SBOTGFS1SJDJOH #BOEVOH
0GmDFS%BUB$FOUFS%3$ 4USFTT.BOBHFNFOU #BOEVOH
0GmDFS%BUB$FOUFS%3$ *53JTL.BOBHFNFOU +BLBSUB
0GmDFS1SPHSBNNFS$PSF#BOLJOH"QQMJDBUJPO *53JTL.BOBHFNFOU +BLBSUB

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
307
Rencana Strategi TI IT Strategy Plan

3FODBOB TUSBUFHJ CJTOJT CBOL bjb NFOKBEJ SFGFSFOTJ VOUVL 5IF CVTJOFTT TUSBUFHZ QMBO PG CBOL bjb CFDPNFT UIF
NFOFOUVLBONPEFMBSTJUFLUVS5*NBTBEFQBOZBOHEJOZBUBLBO SFGFSFODF UP EFUFSNJOF UIF GVUVSF PG *5 BSDIJUFDUVSF NPEFMT
EBMBN LSJUFSJB ZBJUV Secure, Pervasive, Expandable, UIBU BSF FYQSFTTFE JO DSJUFSJB OBNFMZ 4FDVSF 1FSWBTJWF
Centralized, Timely, Reliable, User-friendly, Measurable, &YQBOEBCMF $FOUSBMJ[FE 5JNFMZ 3FMJBCMF 6TFSGSJFOEMZ
&GmDJFOU 41&$536.
.FBTVSBCMF &GmDJFOU 41&$536.

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VOUVL NFOKBEJ SFGFSFOTJ "STJUFLUVS QSJOTJQ EJSBODBOH VOUVL SFGFSFODF 5IF QSJODJQMF BSDIJUFDUVSFT BSF EFTJHOFE UP NFFU
NFNFOVIJ LSJUFSJB 41&$536. 6OUVL NFOEVLVOH UIF 41&$536. DSJUFSJB 5P TVQQPSU JNQMFNFOUBUJPO UIF
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IBSVTTFKBMBOEFOHBOBSTJUFLUVSQSJOTJQZBOHEJUFUBQLBOEBMBN XJUIUIFQSJODJQMFBSDIJUFDUVSFTTFUPVUJOUIF4USBUFHJD1MBOGPS
3FODBOB4USBUFHJT5FLOPMPHJ*OGPSNBTJ 345*
*OGPSNBUJPO5FDIOPMPHZ 345*

"EBQVO JOJTJBUJG ZBOH BLBO EJLFNCBOHLBO BEBMBI TFCBHBJ *OJUJBUJWFTXIJDIXJMMCFEFWFMPQFEBSFBTGPMMPXT

CFSJLVU
Arsitektur Core Banking Core Banking Architecture

"STJUFLUVSCore BankingUFSCBHJEBMBNCFCFSBQBlayerVOUVL 5IF $PSF #BOLJOH "SDIJUFDUVSF JT EJWJEFE UP TFWFSBM MBZFST
NFNVEBILBOQFOHFMPMBBOBQMJLBTJEFOHBONFNJTBILBOEBUB GPSFBTZNBOBHFNFOUPGBQQMJDBUJPOTCZTFQBSBUJOHEBUBXJUI
EFOHBObusiness logic OBNVOEBQBUEFOHBONVEBIEJBLTFT CVTJOFTTMPHJD CVUJUDBOCFFBTJMZBDDFTTFECZUIFDIBOOFM
PMFIBQMJLBTJchannelLayerZBOHEJNBLTVEBEBMBI BQQMJDBUJPO5IFTFMBZFSTBSF
1. Core Layer 1. Core Layer

.FOHFMPMBEBUBEBOQSPTFTZBOHUFSLBJUEFOHBOOBTBCBI .BOBHF EBUB BOE QSPDFTTFT SFMBUFE UP DVTUPNFST
SFLFOJOH QSPEVL EBO USBOTBLTJ Layer JOJ NFOZFEJBLBO BDDPVOUT QSPEVDUTBOEUSBOTBDUJPOT5IJTMBZFSQSPWJEFT
GVOHTJGVOHTJ MBZBOBO QSPTFT CJTOJT ZBOH NFOEVLVOH UIF GVODUJPOT PG CVTJOFTT QSPDFTT TFSWJDFT UIBU TVQQPSU
access layer UIFBDDFTTMBZFS
2. Access Layer 2. Access Layer

.FSVQBLBOMBQJTBOZBOHNFNVOHLJOLBOBQMJLBTJNBVQVO " MBZFS UIBU BMMPXT UIF BQQMJDBUJPOT BOE PUIFS DIBOOFMT
channel MBJO NFOHBLTFT BQMJLBTJ core banking EFOHBO UPBDDFTTUIFDPSFCBOLJOHBQQMJDBUJPOTXJUITFDVSFBOE
BNBOEBOUFSKBNJOLFBOEBMBOOZB HVBSBOUFFESFMJBCJMJUZ
3. Accounting & Finance serta Infrastructure Layer 3. Accounting & Finance and Infrastructure Layer
.FNCFSJ EVLVOHBO QSPTFT EBO business logic TFSUB 1SPWJEF QSPDFTTFT BOE CVTJOFTT MPHJD TVQQPSU BT XFMM
JOGSBTUSVLUVSZBOHNFNBEBJTFIJOHHBcore bankingEBQBU BTBEFRVBUFJOGSBTUSVDUVSF FOBCMJOHUIFDPSFCBOLJOHUP
NFNCFSJLBO MBZBOBO BOEBM BNBO EBO DFQBU TFTVBJ QSPWJEFSFMJBCMF TBGFBOEGBTUTFSWJDFTJOBDDPSEBODFXJUI
EFOHBOLFCVUVIBOCJTOJTZBOHEJOBNJT UIFEZOBNJDCVTJOFTTOFFET
4. &RUH%DQNLQJ&RQÀJXUDWLRQ &RUH%DQNLQJ&RQÀJXUDWLRQ

.FNCFSJLBO HBNCBSBO MBZBOBO core banking UFSLJOJ 1SPWJEF B DPNQSFIFOTJWF PWFSWJFX PG UIF MBUFTU DPSF
ZBOH LPNQSFIFOTJG -BZBOBO QFSCBOLBO TFQFSUJ teller CBOLJOH TFSWJDFT #BOLJOH TFSWJDFT TVDI BT UFMMFS
transaction deposits, lending, payment, treasuryNBVQVO USBOTBDUJPOT EFQPTJUT MFOEJOH QBZNFOUT USFBTVSZBTXFMM
tradingEJEVLVOHEFOHBOpricing limit managementEBO BT USBEJOH TVQQPSUFE CZ QSJDJOH MJNJU NBOBHFNFOU BOE
security frameworkIBSVTEJMFOHLBQJEFOHBOQFOHFMPMBBO TFDVSJUZGSBNFXPSLNVTUCFFRVJQQFEXJUIUIFNBOBHFNFOU
customer relationship managementZBOHCBJL PGBHPPEDVTUPNFSSFMBUJPOTIJQNBOBHFNFOU

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
TEKNOLOGI INFORMASI
5. Arsitektur Middleware (Transaction Gateway) 5. Arsitektur Middleware (Transaction Gateway)

.FSVQBLBO BSTJUFLUVS ZBOH NFNQFSMJIBULBO DBSB "O BSDIJUFDUVSF UIBU EFNPOTUSBUFT UIF JOUFSDPOOFDUJPO
JOUFSLPOFLTJ BOUBSB BQMJLBTJBQMJLBTJ BUBV TJTUFN EJ MVBS CFUXFFOBQQMJDBUJPOTPSTZTUFNTPVUTJEFUIFDPSFCBOLJOH
core banking ZBOH QFSMV NFMBLVLBO JOUFSLPOFLTJ LF UIBUOFFEUPJOUFSDPOOFDUUPUIFDPSFCBOLJOH TVDIUIBUB
core banking TFEFNJLJBO SVQB TFIJOHHB UJEBL UFSKBEJ EJSFDUDPOOFDUJPOUPUIFDPSFCBOLJOHBQQMJDBUJPOEPFTOPU
LPOFLTJMBOHTVOHLFBQMJLBTJcore bankingUBOQBNFMBMVJ PDDVSXJUIPVUHPJOHUISPVHIUIFQSPWJEFENJEEMFXBSFPS
middlewareBUBVinterfaceZBOHEJTFEJBLBO JOUFSGBDF
4FKVNMBIJOJTJBUJGZBOHEJSFODBOBLBO "OVNCFSPGQMBOOFEJOJUJBUJWFT
1. Pengembangan Middleware 1. Middleware Development

1FOHFNCBOHBOmiddlewareZBOHBLBOCFSGVOHTJTFCBHBJ .JEEMFXBSF EFWFMPQNFOU UIBU XJMM TFSWF BT B USBOTBDUJPO
QFSBOUBSB BUBV HFSCBOH USBOTBLTJ transaction gateway
JOUFSNFEJBSZ PS HBUFXBZ USBOTBDUJPO HBUFXBZ
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banking NFMBMVJmiddlewareZBOHMBNB KJLBEJQFSMVLBO
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3. Server Middleware 3. Server Middleware

1FOHBEBBO server BUBV QFOBNCBIBO core VOUVL 1SPDVSFNFOU PG TFSWFS PS BEEJUJPO PG DPSFT UP QSPWJEF B
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4. Migrasi Sistem Middleware 4. Middleware System Migration

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LFUBU risk management plan,roll back plan UFTUJOH SJTLNBOBHFNFOUQMBO SPMMCBDLQMBO
5. Penyusunan Dokumen SOP Middleware 5. Middleware SOP Document Drafting

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request LPOFLTJ 401 EPDVNFOU QSFQBSBUJPO GPS
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6. Upgrade Sistem Core Banking yang mencakup: 6. Core Banking System Update which includes:
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C Upgrade Core Banking System ZBOH TBBU JOJ C $PSF#BOLJOH4ZTUFNVQHSBEFUIBUJTDVSSFOUMZVTJOH
NFOHHVOBLBO core banking &RVBUJPO BLBO UIFDPSFCBOLJOH&RVBUJPOXJMMCFVQHSBEFEUPUIF
EJMBLVLBOupgradeLFEBMBNUFLOPMPHJCBSVZBJUV#BOL OFXUFDIOPMPHZ OBNFMZUIF#BOL'VTJPO&RVBUJPO
'VTJPO&RVBUJPO

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
309
D 6QHSBEF'SPOU0GmDF"QQMJDBUJPOZBOHEJHVOBLBOPMFI D 'SPOU 0GmDF "QQMJDBUJPO VQHSBEF UIBU JT VTFE CZ
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Branch Automation
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E Upgrade NFTJO server
Core Banking Processing E 4FSWFS VQHSBEF PG UIF $PSF #BOLJOH 1SPDFTTJOH
System ZBOH TFCFMVNOZB NFOHHVOBLBO NFTJO *#. 4ZTUFNXIJDIQSFWJPVTMZVTFEUIF*#.JTFSJFTXJUI
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GPS BMM FYUFSOBM BQQMJDBUJPOT UIBU SFRVJSF
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Arsitektur Aplikasi Application Architecture

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QFOHPQFSBTJBO 1FSGPSNGVODUJPOBMDIBOHFTEVFUPDIBOHFTJOUIFCVTJOFTT
.FMBLVLBO QFSVCBIBO GVOHTJPOBM LBSFOB QFSVCBIBO EJ TJEF
TJTJCJTOJT 1FSGPSN EBUBCBTF JOUFSDPOOFDUJPO DIBOHFT EVF UP
.FMBLVLBO QFSVCBIBO JOUFSLPOFLTJ database LBSFOB EBUBCBTFQMBUGPSNDIBOHFT
QFSVCBIBOplatformdatabase
Arsitektur Database Database Architecture

4BMBITBUVDFMBIsecurityEBSJTJTJJOUFSOBMBEBMBIUFSCVLBOZB 0OF PG UIF TFDVSJUZ MPPQIPMF JO UIF JOUFSOBM TJEF JT UIF PQFO
BLTFT MBOHTVOH UFSIBEBQ UBCFM database UBOQB NFMBMVJ EJSFDU BDDFTT UP EBUBCBTF UBCMFT XJUIPVU HPJOH UISPVHI
BQMJLBTJ ZBOH EJSBODBOH VOUVL NFOHBLTFTOZB ,BSFOB JUV BO BQQMJDBUJPO EFTJHOFE UP BDDFTT JU 5IFSFGPSF DPOUFOU
QFSMVEJMBLVLBOQFOHBNBOBOUBCFMLPOUFONFMBMVJ
FOLSJQTJ UBCMF TFDVSJUZ NVTU CF DPOEVDUFE UISPVHI
FODSZQUJPO
EBMBN%#.4BHBSLPOUFOEJTJNQBOEBMBNLFBEBBOUFSFOLSJQTJ JO UIF %#.4 TP UIBU UIF DPOUFOU JT TUPSFE JO BO FODSZQUFE
(option secureencrypted database
EBO
NFMBLVLBO TUBUF PQUJPO TFDVSF FODSZQUFE EBUBCBTF
BOE
QFSGPSN
FOLSJQTJEFTLSJQTJEJUJOHLBUBQMJLBTJ FODSZQUJPOEFTDSJQUJPOBUUIFBQQMJDBUJPOMFWFM
6OUVL LFNVEBIBO NBOBKFNFO SFQMJLBTJ %$%3$ BUBV 'PS UIF FBTF PG UIF NBOBHFNFOU %$%3$ SFQMJDBUJPO PS
backup TFSUB FmTJFOTJ EJMBLVLBO LPOTPMJEBTJ platform VOUVL CBDLVQ BT XFMM BT FGmDJFODZ DPOTPMJEBUJPO QMBUGPSN GPS UIF
JNQMFNFOUBTJdatabaseZBOHNFODBLVQ
LPOTPMJEBTJ%#.4 JNQMFNFOUBUJPOPGEBUBCBTFJTQFSGPSNFE XIJDIJODMVEFT

UJEBL UFSMBMV CBOZBL brand EBO WFSTJ

LPOTPMJEBTJ server DPOTPMJEBUJPOPG%#.4 OPUUPPNBOZCSBOETBOEWFSTJPOT

VOUVLJNQMFNFOUBTJdatabase EBO
LPOTPMJEBTJstorage UIFDPOTPMJEBUJPOPGTFSWFSTGPSEBUBCBTFJNQMFNFOUBUJPO BOE

TUPSBHFDPOTPMJEBUJPO

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
TEKNOLOGI INFORMASI
Assessment TFMVSVI database QFOEVLVOH BQMJLBTJ "TTFTTNFOU PG UIF FOUJSF BQQMJDBUJPO TVQQPSU EBUBCBTF
VOUVL NFOHJEFOUJmLBTJ database ZBOH EJKBMBOLBO QBEB UP JEFOUJGZ UIF EBUBCBTF UIBU SVOT PO UIF TFDVSF NPEF
mode secure encrypted
BUBV UJEBL TFSUB JEFOUJmLBTJ FODSZQUFE
PSOPU BTXFMMBTUIFJEFOUJmDBUJPOPGJUT%#.4
KFOJT platform %#.4OZB ,FNVEJBO NFOHJOEFUJmLBTJ QMBUGPSNT 5IFO JEFOUJGZJOH XIFUIFS UIF RVFSZ JO UIF
BQBLBIqueryEJEBMBNBQMJLBTJOZBNFNVOHLJOLBOVOUVL BQQMJDBUJPOBMMPXTUPNPEJGZUIFTFDVSFNPEFPSOPU
EJNPEJmLBTJLFmode secureBUBVUJEBL "QQMJDBUJPO NPEJmDBUJPO QSPDFTT EP OPU VTF B TFDVSF
1SPTFT NPEJmLBTJ BQMJLBTJ ZBOH CFMVN NFOHHVOBLBO EBUBCBTF TP UIBU UIF RVFSZ JT NPEJmFE JOUP B TFDVSF
database secure BHBS query EJNPEJmLBTJ LF NPEF EBUBCBTF NPEF &BDI BQQMJDBUJPO NVTU CF SVO BT BO
database secure4FUJBQBQMJLBTJIBSVTEJKBMBOLBOTFCBHBJ JOEFQFOEFOU QSPKFDU XJUI SFTQFDU UP B
QMBOOJOH C

QSPZFL ZBOH JOEFQFOEFO EFOHBO NFNQFSIBUJLBO B
TPVSDF DPEF NPEJmDBUJPO QSPDFTT D
UFTUJOH E
SJTL
QFSFODBOBBO C
QSPTFT NPEJmLBTJ source code D
NBOBHFNFOU F
SPMMCBDLNBOBHFNFOU
QFOHVKJBO E
risk management F
rollback management %FUFSNJOFUIFUZQFPG%#.4QMBUGPSNUIBUXJMMCFVTFECZ
.FOFOUVLBO KFOJT platform %#.4 ZBOH BLBO EJHVOBLBO CBOL bjb OPU UIBU NBOZ
BOE UP DPOTPMJEBUF UIF %#.4
PMFI CBOL bjb UJEBL UFSMBMV CBOZBL
MBMV NFMBLVLBO QMBUGPSN GPS FBDI BQQMJDBUJPO UP B OFX QMBUGPSN UIBU JT
LPOTPMJEBTJ platform %#.4 VOUVL TFUJBQ BQMJLBTJ LF EFDJEFEUPCFVTFECZCBOLbjb
platformCBSVZBOHEJQVUVTLBOVOUVLEJHVOBLBOPMFICBOL %FWFMPQNFOU PS NPEJmDBUJPO PG BQQMJDBUJPO EFWFMPQNFOU
bjb EPDVNFOUTCZBEEJOHTFDVSFEBUBCBTFTFUUJOHTTFDUJPOUP
1FOHFNCBOHBOBUBVNPEJmLBTJEPLVNFOQFOHFNCBOHBO QSPWJEFDPOmSNBUJPOUIBUUIFFOUJSFEBUBCBTFNVTUCFTFU
BQMJLBTJEFOHBONFOBNCBILBOCBHJBOQFOHBUVSBOsecure JOBTFDVSFNPEF FODSZQUFE

databaseEFOHBONFNCFSJLBOQFOFHBTBOCBIXBTFMVSVI
databaseIBSVTEJsetQBEBmode secure encrypted

Arsitektur Server Server Architecture

"STJUFLUVSJOJNFNQFSMJIBULBOBSTJUFLUVSCFSCBHBJLFNVOHLJOBO 5IJT BSDIJUFDUVSF TIPXT UIF WBSJPVT BSDIJUFDUVSF QPTTJCJMJUJFT
QFOFNQBUBOlayerWJSUVBMJTBTJ 04 BQMJLBTJTFSUB%#.4EBMBN GPSUIFQMBDFNFOUPGUIFWJSUVBMJ[BUJPOMBZFS UIF04 BQQMJDBUJPO
TFCVBI server TFIJOHHB EJQFSPMFI TVBUV LPOmHVSBTJ ZBOH BT XFMM BT %#.4 JO B TFSWFS UIFSFGPSF PCUBJOJOH UIF NPTU
QBMJOHPQUJNBM,POmHVSBTJZBOHQBMJOHPQUJNBMEBQBUEJDBQBJ PQUJNBM DPOmHVSBUJPO 5IF NPTU PQUJNBM DPOmHVSBUJPO DBO
EFOHBO NFNQFSIBUJLBO GBLUPSGBLUPS
LJOFSKB
VUJMJUBT CFBDIJFWFECZUBLJOHJOUPBDDPVOUUIFGPMMPXJOHGBDUPST

server
availability
QFNJTBIBO GVOHTJ BQMJLBTJ EBO QFSGPSNBODF
TFSWFSVUJMJUZ
BWBJMBCJMJUZ
TFQBSBUJPOPG
database
GVODUJPOT BQQMJDBUJPOTBOEEBUBCBTFT

6OUVLserver-serverZBOHEJUVOUVULJOFSKBNBLTJNVN NJTBMOZB 'PS TFSWFST UIBU EFNBOE NBYJNVN QFSGPSNBODF FH DPSF
core banking
NBLBBQMJLBTJEJKBMBOLBOUBOQBWJSUVBMJTBTJBUBV CBOLJOH
UIFBQQMJDBUJPOJTSVOXJUIPVUWJSUVBMJ[BUJPOPSXJUIPVU
UBOQB sharing QFOHHVOBBO server EFOHBO BQMJLBTJ MBJOOZB TIBSJOHUIFTFSWFSVTFXJUIPUIFSBQQMJDBUJPOT DPOmHVSBUJPO#

LPOmHVSBTJ#
4FEBOHLBOEFNJQFOJOHLBUBOVUJMJTBTJserver .FBOXIJMF JOPSEFSUPJNQSPWFTFSWFSVUJMJ[BUJPO BQQMJDBUJPOT
BQMJLBTJBQMJLBTJ TFSUB database ZBOH UJEBL NFOVOUVU LJOFSKB BTXFMMBTEBUBCBTFUIBUEPOPUSFRVJSFIJHIQFSGPSNBODF OPO
ZBOH UJOHHJ non high performance
EBQBU EJKBMBOLBO QBEB IJHI QFSGPSNBODF
DBO CF SVO UPHFUIFS JO B TJOHMF NBDIJOF
TBUV NFTJO TFDBSB CFSTBNBTBNB NFOHHVOBLBO UFLOPMPHJ VTJOHWJSUVBMJ[BUJPOUFDIOPMPHZ DPOmH"

WJSUVBMJTBTJ LPOmHVSBTJ"

#BHJ database high-performance EJKBMBOLBO QBEB server 'PS IJHIQFSGPSNBODF EBUBCBTF SVOOJOH PO B TFSWFS XJUI
EFOHBOLPOmHVSBTJ$"QMJLBTJBQMJLBTJZBOHEJKBMBOLBOQBEB DPOmHVSBUJPO$"QQMJDBUJPOTUIBUSVOPOBWJSUVBMTFSWFS NVTU
virtual server IBSVT CFSBEB QBEB [POB ZBOH TBNB EBMBN CFPOUIFTBNF[POFJOUIFTFDVSJUZ[POFEJWJTJPO
QFNCBHJBO[POBLFBNBOBO

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
311
.FMBLVLBO assessment TFMVSVI server VOUVL "TTFTTJOHUIFFOUJSFTFSWFSUPJEFOUJGZB
TFSWFSVUJMJ[BUJPO
NFOHJEFOUJmLBTJ B
VUJMJTBTJ server C
BQBLBI TVEBI C
XIUFIFSBMSFBEZVTJOHWJSUVBMJ[BUJPOD
PQFSBUJOHTZTUFN
NFOHHVOBLBO WJSUVBMJTBTJ D
operating system ZBOH VTFE BOE PUIFST NBUUFST XIJDI SFMBUF UP QFSGPSNBODF
EJHVOBLBO EBO IBM oIBM MBJO ZBOH CFSIVCVOHBO EFOHBO BOE UIF BQQMJDBUJPO DSJUJDBM MFWFM UIBU SVO PO UIF TFSWFS
LJOFSKBEBOUJOHLBULSJUJLBMBQMJLBTJZBOHKBMBOQBEBserver #BTFEPOUIFBTTFTTNFOUSFTVMUT BQQMJDBUJPOBOETFSWFS
UFSTFCVU#FSEBTBSLBOIBTJMassessmentEJTVTVOmapping WJSUVBMJ[BUJPONBQQJOHJTDPNQJMFE
WJSUVBMJTBTJBQMJLBTJEBOserver 5IF NJHSBUJPO QSPDFTT PG BQQMJDBUJPOT UIBU TUJMM SVO PO B
1SPTFT NJHSBTJ BQMJLBTJBQMJLBTJ ZBOH NBTJI CFSKBMBO TJOHMFTFSWFSJOUPBDPOTPMJEBUFETFSWFSVTJOHWJSUVBMJ[BUJPO
EJ single server LF EBMBN server ZBOH UFSLPOTPMJEBTJ .JHSBUJPO SFGFST UP UIF BTTFTTNFOU SFTVMUT NBQQJOH 5IF
NFOHHVOBLBO WJSUVBMJTBTJ .JHSBTJ NFOHBDV QBEB NJHSBUJPO QSPDFTT NVTU CF FYFDVUFE POF CZ POF XJUI
mapping IBTJM assessment 1SPTFT NJHSBTJ IBSVT SFTQFDU UP B
QMBOOJOH C
UFTUJOH D
SJTL NBOBHFNFOU
EJKBMBOLBO TBUV QFSTBUV EFOHBO NFNQFSIBUJLBO B
E
SPMMCBDLNBOBHFNFOU.JHSBUJPOQSPKFDUNVTUCFEPOF
QFSFODBOBBO C
QFOHVKJBO D
risk management E
TFQBSBUFMZGPSFBDIBQQMJDBUJPO
rollback management 1SPZFL NJHSBTJ IBSVT EJMBLVLBO %FWFMPQNFOU PS NPEJmDBUJPO PG BQQMJDBUJPO EFWFMPQNFOU
UFSQJTBIVOUVLTFUJBQBQMJLBTJ EPDVNFOUT CZ BEEJOH UIF TFUUJOH TFDUJPOT JO UIF TFSWFS
1FOHFNCBOHBOBUBVNPEJmLBTJEPLVNFOQFOHFNCBOHBO BQQMJDBUJPOEFQMPZNFOU
BQMJLBTJ EFOHBO NFOBNCBILBO CBHJBO QFOHBUVSBO
deploymentBQMJLBTJEJserver
Arsitektur Storage Storage Architecture

"STJUFLUVS JOJ NFNQFSMJIBULBO LPOTPMJEBTJ storage EJ NBTB 5IJT BSDIJUFDUVSF TIPXT UIF DPOTPMJEBUJPO PG TUPSBHF JO UIF
EFQBOVOUVLNFOKBXBCLFCVUVIBO
LFNVEBIBONBOBKFNFO GVUVSFUPBEESFTTUIFOFFETPG
FBTFPGTUPSBHFNBOBHFNFOU
storage
LFNVEBIBONFNGBTJMJUBTJQFSUVNCVIBOLBQBTJUBT
FBTFPGGBDJMJUBUJOHUIFHSPXUIPGTUPSBHFDBQBDJUZ
FBTF
storage
LFNVEBIBO SFQMJLBTJ
LFNVEBIBO LPOUSPM PG SFQMJDBUJPO
FBTF PG DPOUSPM TQFDJmDBMMZ TFDVSJUZ

UFSVUBNB LFBNBOBO
LFNVEBIBO backup EBO recovery FBTF PG CBDLVQ BOE SFDPWFSZ UISPVHI &OUFSQSJTF #BDLVQ
NFMBMVJEnterprise BackupRecovery SolutionVOUVLTFMVSVI 3FDPWFSZ4PMVUJPOGPSBMMOPO$PSF#BOLJOH "*9 -JOVY Y
OPOCore-Banking "*9 -JOVY Y
4FDBSB-0(*," JNQMFNFOUBTJmTJLOZBNVOHLJOCFSTBUV
BEB *O-0(*$ QIZTJDBMJNQMFNFOUBUJPONBZCFVOJUFE
UIFSFBSF
logicalcluster4"/ Storage Area network
ZBJUV GPVS4"/ 4UPSBHF"SFB/FUXPSL
MPHJDBMDMVTUFS OBNFMZ
4"/ VOUVL Core Server EBO %BUB 4USBUFHJT ZBOH QFSMV 4"/GPSUIF$PSF4FSWFSBOE4USBUFHJD%BUBUIBUOFFETUP
EJSFQMJLBTJreal-timeLF%3$ CFSFQMJDBUFESFBMUJNFUPUIF%3$
4"/VOUVLserver non-core TVCEBOTVC
4"/GPSUIFOPODPSFTFSWFS TVCEBOTVC

4"/ VOUVL NFOEVLVOH UFSNJOBMUFSNJOBM user EBUB 4"/UPTVQQPSUVTFSUFSNJOBMT EBUB BQQMJDBUJPO CPPU

BQMJLBTJ boot

4FMBJOJUV storageUJEBLIBOZBEJUVKVLBOVOUVLNFOEVLVOH *O BEEJUJPO TUPSBHF JT OPU POMZ JOUFOEFE UP TVQQPSU UIF
LFCVUVIBOstorageEJserver UFUBQJKVHBVOUVLNFOEVLVOH OFFETPGTUPSBHFPOUIFTFSWFS CVUBMTPUPTVQQPSUTUPSBHF
storageVOUVLTFUJBQUFSNJOBMLFSKBEBOEBUBTFUJBQTUBG PGFBDIXPSLUFSNJOBMBOEUIFEBUBPGFBDITUBGG
.JHSBTJstorageVOUVLBQMJLBTJEBOdatabasecorebanking 4UPSBHF NJHSBUJPO GPS BQQMJDBUJPOT BOE DPSF CBOLJOH
LF TJTUFN storage 4"/ VOUVL NFNVEBILBO QFOHFMPMBBO EBUBCBTFT UP UIF 4"/ TUPSBHF TZTUFN UP GBDJMJUBUF UIF
EBOSFQMJLBTJ%$%3$1SPTFTJOJTBOHBUUFSHBOUVOHQBEB NBOBHFNFOU BOE SFQMJDBUJPO PG %$ %3$ 5IJT QSPDFTT
LFUFSCVLBBO platform Core Banking ZBOH EJHVOBLBO JT IJHIMZ EFQFOEFOU PO UIF PQFOOFTT PG $PSF #BOLJOH

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
TEKNOLOGI INFORMASI
BQBLBI NBTJI NFOHHVOBLBO NFLBOJTNF ZBOH TQFTJmL QMBUGPSNVTFE XIFUIFSUIFZTUJMMVTFBTQFDJmDNFDIBOJTN

CBHJBO EBSJ BQMJLBTJ core banking
BUBV SFQMJLBTJOZB QBSU PG UIF DPSF CBOLJOH BQQMJDBUJPO
PS JG JUT SFQMJDBUJPO
TVEBIEJBUVSPMFITJTUFNstorageOZB IBTCFFOTFUCZJUTTUPSBHFTZTUFN
.FMBLVLBOassessmentTFMVSVIBQMJLBTJnoncorebanking 1FSGPSN BTTFTTNFOUT UP UIF FOUJSF OPODPSF CBOLJOH
EBOdatabaseVOUVLNFOFOUVLBOQFNFUBBOQFOFNQBUBO BQQMJDBUJPOT BOE EBUBCBTFT UP EFUFSNJOF UIF NBQQJOH
BQMJLBTJ EBO database QFOEVLVOHOZB EBMBN TJTUFN QMBDFNFOU PG BQQMJDBUJPO BOE JUT TVQQPSUJOH EBUBCBTF JO
storageCFSTBNB 4"/storage
UIFTIBSFETUPSBHFTZTUFN 4"/TUPSBHF

#FSEBTBSLBOIBTJMassessment TFDBSBCFSUBIBQEJMBLVLBO #BTFE PO UIF BTTFTTNFOU SFTVMUT NJHSBUJPO JT HSBEVBMMZ
NJHSBTJVOUVLUVKVBOLPOTPMJEBTJstorageBQMJLBTJnoncore DBSSJFE PVU XJUI UIF QVSQPTF PG OPODPSF CBOLJOH
banking BQQMJDBUJPOTUPSBHFDPOTPMJEBUJPO
#FSEBTBSLBOIBTJMassessment TFDBSBCFSUBIBQEJMBLVLBO #BTFE PO UIF BTTFTTNFOU SFTVMUT NJHSBUJPO JT HSBEVBMMZ
NJHSBTJ VOUVL UVKVBO LPOTPMJEBTJ storage database non DBSSJFEPVUXJUIUIFQVSQPTFPGOPODPSFCBOLJOHEBUBCBTF
corebanking TUPSBHFDPOTPMJEBUJPO
6OUVL NFOJOHLBULBO LPOUSPM LFBNBOBO EBUBEBUB 5P JODSFBTF UIF TFDVSJUZ DPOUSPM PG DPNQBOZ EBUB
QFSVTBIBBO TFDBSB CFSUBIBQ TFMVSVI EBUBEBUB LFSKB HSBEVBMMZ BMMXPSLEBUBPGUIFDPNQBOZXIJDIIBTCFFO
QFSVTBIBBOZBOHTFMBNBJOJEJTJNQBOEJstorageNBTJOH LFQU JO UIF SFTQFDUJWF TUPSBHF BSF USBOTGFSSFE JOUP UIF
NBTJOHEJBMJILBOLFcorporatestorage DPSQPSBUFTUPSBHF
4FDBSB CFSUBIBQ NFMBLVLBO LPOTPMJEBTJ Backup & (SBEVBMMZ QFSGPSN #BDLVQ 3FDPWFSZ DPOTPMJEBUJPO
RecoveryNFMBMVJEnterpriseBackup&Recoverysolution UISPVHIUIF&OUFSQSJTF#BDLVQ3FDPWFSZTPMVUJPO
Arsitektur Keamanan Security Architecture

"STJUFLUVS LFBNBOBO EJUVKVLBO TFCBHBJ SFGFSFOTJ ZBOH 4FDVSJUZ BSDIJUFDUVSF JT JOUFOEFE BT B SFGFSFODF UIBU TIPXT
NFNQFSMJIBULBOQFNCBHJBO[POBVOUVLNFOHBUVSLFBNBOBO UIF[POJOHUPSFHVMBUFBDDFTTTFDVSJUZ5IFSFBSFUISFFNBKPS
BLTFT "EB [POB CFTBS ZBJUV [POB QBMJOH LJSJ
[POB [POFT OBNFMZ[POF GBSMFGU
[POF NJEEMF
BOE[POF
UFOHBI
EBO [POB LBOBO
5JOHLBU LFBNBOBO TFNBLJO SJHIU
5IFTFDVSJUZMFWFMJTHFUUJOHIJHIFSUPUIFSJHIUEVFUP
LFLBOBOTFNBLJOUJOHHJLBSFOBNFMBMVJmSFXBMMmSFXBMMZBOH mSFXBMMTUIBUBSFBSSBOHFEJOTUBHFT
EJTVTVOTFDBSBCFSUBIBQ
%FOHBOUFLOPMPHJJNQMFNFOUBTJmSFXBMMZBOHNFNVOHLJOLBO 8JUI UIF JNQMFNFOUBUJPO PG mSFXBMM UFDIOPMPHZ UIBU BMMPXT

EJcreate TFDBSB logical NBLB mSFXBMM EBQBU EJTFEJBLBO MPHJDBMDSFBUJPO UIFmSFXBMMDBOCFQSPWJEFEBUBOZQPJOUUIBU
EJ TFUJBQ UJUJL ZBOH IBSVT EJmMUFS EFOHBO LBSBLUFSJTUJL ZBOH NVTU CF mMUFSFE XJUI EJGGFSFOU DIBSBDUFSJTUJDT 5IFO B TXJUDI
CFSCFEB -BMV NFMBMVJ switch EBQBU EJUFOUVLBO routing LF DBO EFUFSNJOF UIF SPVUJOH UP UIF OFYU mSFXBMM " OVNCFS PG
mSFXBMMCFSJLVUOZB"OUBSB[POBEBO[POBEBQBUEJQBTBOH mSFXBMMTDBOCFJOTUBMMFECFUXFFO[POFBOE[POF OPUKVTU
TFKVNMBImSFXBMM UJEBLIBOZB
EFNJLJBOQVMBBOUBSB[POB
BTXFMMBTCFUXFFO[POFBOE[POF
EBO[POB
%.;EJMFUBLLBOEJ[POB TFEBOHLBOserverfarm UFSNBTVL %.;JTQMBDFEJO[POF XIJMFUIFTFSWFSGBSN JODMVEJOHUIF

development EJMFUBLLBOEJ[POBUFSEBMBNServerserverZBOH EFWFMPQNFOU JTQMBDFEJOUIFEFFQFTU[POF4FSWFSTUIBUNVTU
IBSVTEJBLTFTMBOHTVOHEBSJ*OUFSOFU EJMFUBLLBOEJ%.; CFBDDFTTFEEJSFDUMZGSPNUIF*OUFSOFU BSFQMBDFEJOUIF%.;
4FDBSB CFSLBMB NFMBLVLBO penetration test PMFI QJIBL 1FSJPEJDBMMZ QFSGPSN QFOFUSBUJPO UFTU CZ UIJSE QBSUJFT UP
LFUJLBVOUVLNFZBLJOLBOCBIXBTJTUFNLFBNBOBOTVEBI FOTVSFUIBUUIFTFDVSJUZTZTUFNIBTCFFOTFUJOUIFCFTU
EJsetQBEBLPOEJTJZBOHUFSCBJLVOUVLNFMJOEVOHJBLTFT DPOEJUJPO UP QSPUFDU VOBVUIPSJ[FE BDDFTT BT XFMM BT UIF
JMFHBMTFSUBBTFUJOGPSNBTJQFSVTBIBBO DPNQBOZTJOGPSNBUJPOBTTFUT

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
313
.FMBLVLBO assessment UFSIBEBQ LPOmHVSBTJ ZBOH 1FSGPSN BTTFTTNFOUT UP UIF JOTUBMMFE DPOmHVSBUJPO
UFSQBTBOH BQBLBITFTVBJEFOHBOBSTJUFLUVSQSJOTJQVOUVL XIFUIFS JU JT BQQSPQSJBUF UP UIF TFU QSJODJQMF BSDIJUFDUVSF
LFBNBOBOZBOHUFMBIEJUFUBQLBO+JLBUJEBLTFTVBJ IBSVT GPS TFDVSJUZ *G OPU BQQSPQSJBUF SFDPOmHVSBUJPO NVTU CF
TFHFSBEJMBLVLBOLPOmHVSBTJVMBOH DPOEVDUFEJNNFEJBUFMZ
4BBUJOJNFTJOmSFXBMMUJEBLredundantEBONFOHHVOBLBO $VSSFOUMZ UIF mSFXBMM NBDIJOFT BSF OPU SFEVOEBOU BOE
NFTJO ZBOH TBNB EFOHBO NFTJO core switch TFIJOHHB VTFUIFNBDIJOFBTUIFDPSFTXJUDINBDIJOF UIFSFGPSFJO
KJLB core switch UFSTFCVU UJEBL CFSGVOHTJ NFOHBMBNJ UIF FWFOU UIF DPSF TXJUDI JT OPU XPSLJOH EBNBHFE
UIF
LFSVTBLBO
NBLB GVOHTJ mSFXBMM KVHB LFNVOHLJOBO mSFXBMMGVODUJPOJTBMTPMJLFMZUPCFEJTSVQUFE5IJTJOJUJBUJWF
UFSHBOHHV*OJTJBUJGJOJVOUVLNFNJTBILBOGVOHTJmSFXBMMEJ JT UP TFQBSBUF UIF mSFXBMM GVODUJPO JO EJGGFSFOU NBDIJOFT
NFTJOZBOHCFSCFEBTFSUBUVNQBOHUJOEJINFTJOmSFXBMM BOEPWFSMBQQJOHmSFXBMMNBDIJOF
Arsitektur Jaringan Network Architecture

"STJUFLUVS KBSJOHBO BEBMBI BSTJUFLUVS VOUVL NFNQFSMJIBULBO /FUXPSL BSDIJUFDUVSF JT UIF BSDIJUFDUVSF UP TIPX UIF MPHJDBM
JOUFSLPOFLTJ MPHJLB LPNQPOFOLPNQPOFO VUBNB QFNCFOUVL JOUFSDPOOFDUJPOPGUIFNBJODPNQPOFOUTXIJDIGPSNTUIFEBUB
KBSJOHBOEBUB4FDBSBVNVN TFHNFOKBSJOHBOEBSJTJTJTVNCFS OFUXPSL*OHFOFSBM UIFOFUXPSLTFHNFOUGSPNUIFTPVSDFDBO
EJCFEBLBO NFOKBEJ
JOUFSOFU BUBV KBSJOHBO UFSCVLB
CFEJWJEFEJOUP
UIFJOUFSOFUPSPQFOOFUXPSL
JOUSBOFUPS
JOUSBOFUBUBVKBSJOHBOJOUFSOBM TFSUB
FLTUSBOFUBUBVKBSJOHBO JOUFSOBM OFUXPSL BT XFMM BT
FYUSBOFU PS FYUSB OFUXPSL GPS
FLTUSBVOUVLJOUFSLPOFLTJLFQJIBLQJIBLpartnerCJTOJT JOUFSDPOOFDUJPOUPCVTJOFTTQBSUOFST
5JEBL UFSUVUVQ LFNVOHLJOBO BEB QFNCBHJBO TVC EBSJ UJHB 5IFSFJTBQPTTJCJMJUZUIFSFXJMMCFBTVCEJWJTJPOPGUIFUISFF

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Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
TEKNOLOGI INFORMASI
Arsitektur DC-DRC DC-DRC Architecture

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Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
315
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Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
MANAJEMEN
RISIKO
RISK MANAGEMENT

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
317
RISK MANAGEMENT
Sistem Manajemen Risiko Risk Management System

Sistem Manajemen Risiko yang efektif merupakan salah An effective Risk Management System is one of the important
satu komponen yang penting dalam manajemen bank dan components in the bank’s management and foundation to
landasan untuk menjalankan organisasi bank dengan sehat, perform the bank’s organization in a healthy, safe and well
aman dan baik. Sistem manajemen risiko akan mengarahkan manner. The risk management system will direct the activities
aktivitas pada misi dan tujuan bank yang sudah ditetapkan, PGUIFCBOLTNJTTJPOBOEPCKFDUJWFTXIJDIIBWFCFFOEFmOFE
yaitu untuk mencapai target laba jangka panjang yang terus which is to achieve the increasing and continuous long-term
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alokasi permodalan secara optimal yang mendukung aktivitas allocation that supports healthy operational activities.
operasional yang sehat.
Sistem dimaksud akan membantu manajemen dalam The system is to assist management in monitoring the
melakukan pemantauan terhadap ketentuan dan hukum applicable rules and regulations, policies, plans, provisions, as
yang berlaku, kebijakan, rencana, ketentuan serta prosedur well as internal procedures. In addition, the risk management
internal. Disamping itu, sistem manajemen risiko juga dapat systems can also reduce the systemic risks that may be
mengurangi risiko sistemik (sistemic Risk) yang dapat detrimental to the bank materially or immaterially.
merugikan bank baik secara material maupun immaterial.
Penerapan Sistem Manajemen Risiko bank bjb berdasarkan The implementation of the Risk Management System of bank
empat cakupan: bjb is based on four scopes:
a) Pengawasan aktif Dewan Komisaris dan Direksi sebagai a) Active supervision of the Board of Commissioners and
bagian dari peran pengawasan manajemen. Board of Directors as part of the management oversight
b) Kecukupan kebijakan, prosedur dan penetapan limit role.
sebagai pedoman penerapan manajemen risiko. b) Adequacy of policies, procedures and limits as the
D
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d) Sistem pengendalian internal yang menyeluruh. and control processes as well as management information
systems.
d) A comprehensive internal control system.
Untuk meningkatkan sustainability bank dalam menghadapi To improve the bank’s sustainability in facing the economic
gejolak ekonomi, serta ancaman-ancaman eksternal lainnya, turmoil, as well as other external threats, the bank seeks to
bank berupaya memperkuat proses manajemen risiko di strengthen the risk management process in every business
setiap kegiatan usaha. Bank melakukan penyempurnaan atas activity. The bank carried out improvements on the policies,
kebijakan, infrastruktur dan kualitas sumber daya manusia infrastructures and quality of human resources associated
terkait dengan pengelolaan risiko yang berpedoman kepada with risk management referring to Bank Indonesia regulations,
ketentuan Bank Indonesia, Basel II dan aturan internasional Basel II and international best practices rules.
secara best practices.
Selain itu, bank juga melakukan gap & data analysis untuk In addition, the bank also conducts gap & data analysis in
persiapan penerapan Basel II, yang diikuti dengan action plan the preparation for the implementation of Basel II, which is
berupa persiapan data, sistem simulasi untuk perhitungan followed by the action plan in the form of data preparation,
internal capital charge, serta perbaikan sistem penyusunan simulation system for internal calculation of capital charge, as
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Upaya tersebut dilakukan untuk mempersiapkan bank agar systematic and accurate. Efforts are made to prepare the

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
MANAJEMEN RISIKO
dapat mengelola risiko yang dihadapi, melakukan upaya bank in order to manage the risks, conduct prevention and
pencegahan dan mitigasi, mencadangkan modal sehingga mitigation efforts, reserving the bank’s capital, assisting the
membantu bank dalam merencanakan arah pertumbuhan bank in planning the direction of future business growth.
bisnis di masa depan.
Evaluasi Atas Efektivitas Sistem Manajemen Risiko Evaluation of Risk Management System
Sistem pengukuran risiko yang dipergunakan untuk mengukur The risk measurement system used to measure the risk
eksposur risiko Bank sebagai pedoman untuk melakukan exposure of the Bank as a guideline to control and perform on
pengendalian dan dilakukan secara berkala. Sistem tersebut a regular basis. The system must be able to measure at least:
paling kurang harus dapat mengukur: a) Sensitivity of products/ activities toward factor changes
a) Sensitivitas produk/aktivitas terhadap perubahan faktor- XIJDI JOnVFODF JU UIF CBOL VOEFS OPSNBM BT XFMM BT
faktor yang mempengaruhinya, bank dalam keadaan abnormal circumstances;
normal maupun tidak normal; b) The tendency of changes in the factors mentioned based
b) Kecenderungan perubahan faktor-faktor dimaksud PO UIF nVDUVBUJPOT UIBU PDDVSSFE JO UIF QBTU BOE UIFJS
CFSEBTBSLBO nVLUVBTJ ZBOH UFSKBEJ EJ NBTB MBMV EBO correlations;
korelasinya; c) Individual Risk Factor;
c) Faktor risiko (Risk Faktor) secara individual; d) Overall (aggregate) risk exposure and per risk, taking into
d) Eksposur risiko secara keseluruhan (aggregate) maupun account the relationship between risks;
per risiko, dengan mempertimbangkan keterkaitan antar e) All risks inherent in all transactions as well as banking
risiko; products, including new products and activities, and can
e) Seluruh risiko yang melekat pada seluruh transaksi be integrated into the Bank’s management information.
serta produk perbankan, termasuk produk dan aktivitas
baru, dan dapat diintegrasikan dalam sistem informasi
manajemen Bank.
Metode pengukuran dapat dilakukan secara kuantitatif The measurement method can be performed quantitatively
dan/atau kualitatif. Metode pengukuran tersebut dapat and/ or qualitatively. The measurement method can be
berupa metode yang ditetapkan oleh Bank Indonesia methods stipulated by Bank Indonesia in the framework of
dalam rangka penilaian risiko dan perhitungan modal risk assessment and calculation of capital (both in the form
(baik berupa metode standar atau metode internal yang of a standard method or methods developed internally by
dikembangkan sendiri oleh Bank). the Bank).
Dalam rangka mengatasi kelemahan yang dapat timbul In order to overcome the disadvantages which may arise
atas penggunaan model pengukuran risiko tertentu maka PO UIF VTF PG TQFDJmFE SJTL NFBTVSFNFOU NPEFMT UIF
Bank harus melakukan validasi model tersebut. Bank shall validate the model.
Sistem pengukuran risiko dievaluasi dan disempurnakan 5IF SJTL NFBTVSFNFOU TZTUFN JT FWBMVBUFE BOE SFmOFE
secara berkala atau sewaktu-waktu apabila diperlukan periodically or at any time when necessary to ensure the
untuk memastikan kesesuaian asuransi, akurasi, suitability of insurance, accuracy, fairness, and integrity of
kewajaran, dan integritas data, serta prosedur yang data, as well as the procedures used to measure risks.
digunakan untuk mengukur risiko.
Dalam melakukan evaluasi atas efektivitas sistem In conducting the evaluation on the effectiveness of the
manajemen risiko bank maka satuan kerja manajemen bank’s risk management system, the risk management unit
risiko melakukan program pemantauan sebagai berikut: conducts the following monitoring programs:

Introduction
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RISK MANAGEMENT
a) Bank memiliki sistem dan prosedur pemantauan a) The Bank has monitoring systems and procedures
antara lain mencakup pemantauan terhadap besarnya which include the monitoring of the risk exposure
eksposur risiko, kepatuhan limit internal dan hasil amount, compliance with internal limits and the results
Stress Testing maupun konsistensi dengan kebijakan of the stress Testing as well as the consistency with the
dan prosedur yang ditetapkan. established policies and procedures.
b) Pemantauan dilakukan baik oleh unit pelaksana (risk b) Monitoring is conducted either by the implementation
taking unit) maupun oleh Satuan Kerja Manajemen unit (risk taking units) as well as by the Risk
Risiko. Management Unit.
c) Hasil pemantauan disajikan dalam laporan berkala c) The monitoring results are presented in the periodic
yang disampaikan kepada manajemen dalam rangka reports submitted to management in order to mitigate
mitigasi risiko dan tindakan yang diperlukan. risks and the necessary action.
d) Bank menyiapkan suatu sistem back up dan prosedur d) The bank sets an effective back up system and
yang efektif untuk mencegah terjadinya gangguan procedures to prevent disruptions in the process of
(disruptions) dalam proses pemantauan risiko, dan risk monitoring, and conduct periodical assessments
melakukan pengecekan serta penilaian kembali and re-evaluations to the back up system.
secara berkala terhadap sistem back up tersebut.
3URÀO5LVLNR\DQJ'LKDGDSL3HUXVDKDDQ 5LVN3URÀOHV)DFHGE\WKH&RPSDQ\
Tingkat risiko bank bjb secara keseluruhan hingga Triwulan The overall risk level of bank bjb up to the Third Quarter of
IV Tahun 2015 adalah Low To Moderate dengan trend risiko 2015 is Low To Moderate with a stable risk trend compared to
stabil apabila dibandingkan dengan triwulan sebelumnya. the previous quarter. The development of the bank’s business
Perkembangan bisnis bank diiringi dengan peningkatan was accompanied with an increase in the Implementation
Kualitas Penerapan Manajemen Risiko dalam seluruh aktivitas Quality of Risk Management in all operational activities.
PQFSBTJPOBMOZB 3JOHLBTBO QSPmM SJTJLP TFMBNB LVSVO XBLUV 4VNNBSZ PG UIF SJTL QSPmMFT EVSJOH GPS UZQFT PG SJTL
2014 untuk 8 jenis risiko yang dikelola bank adalah sebagai which the bank managed is as follows:
berikut:
No Jenis Risiko/Type of Risk 3URÀO5LVLNR3JTL1SPmMF bank bjb 2014
Triwulan I Triwulan II Triwulan III
1 Risiko Kredit/Credit Risk Moderate Moderate Moderate
2 Risiko Pasa/Market Risk Low Low to Moderate Low to Moderate
3 Risiko Likuditas/Liquidity Risk Moderate Moderate Moderate
4 Risiko Operasional/Operational Risk Moderate Moderate Moderate
5 Risiko Hukum/Legal Risk Low to Moderate Low to Moderate Low to Moderate
6 Risiko Reputasi/Reputation Risk Low to Moderate Low to Moderate Low to Moderate
7 Risiko Kepatuhan/Compliance Risk Moderate Moderate Moderate
8 Risiko Strategik/Strategic Risk Moderate Low to Moderate Low to Moderate
Predikat Risiko/Predicate Risk Moderate Moderate Moderate

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
MANAJEMEN RISIKO
8SD\DXQWXN0HQJHORODULVLNR Efforts to Manage Risks

Misi dan objektif dari pengelolaan risiko bank harus The mission and objective of the bank’s risk management shall
berpedoman kepada konsep pengendalian risiko yang be guided by a consistently and accurately measured risk
terukur secara konsisten dan akurat, sehingga bank dapat management concept, thus the bank will be able to allocate
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untuk kepentingan usahanya. Metodologi proses pengelolaan business. The methodology of the risk management process
manajemen risiko menggambarkan secara lengkap rencana completely describes the logical risk management plans that
manajemen risiko yang logis yang dilaksanakan pada tiga are implemented at three different levels, namely: Strategic
tingkatan yang berbeda, yaitu: Level strategis, level transaksi level, transaction level and portfolio level:
dan level portofolio:
1. Level pertama merupakan perspektif makro. Proses 5IF mSTU MFWFM JT B NBDSP QFSTQFDUJWF 5IF QSPDFTT
dimulai dengan analisa risiko dan imbal-hasil berdasarkan commenced with risk analysis and returns based on the
rencana kerja (business plan). Tahap berikutnya dimulai work plan (business plan). The next phase begins with
dengan perubahan budaya kerja yang menggambarkan changes in the work culture that describes the bank’s
pandangan bank tentang risiko. Proses ini dimulai dan view of the risks. This process begins and becomes the
menjadi tanggung jawab utama dari Dewan Direksi. Dewan primary responsibility of the Board of Directors. The Board
Direksi berkewajiban membangun budaya risiko dan of Directors is obliged to build a risk culture and risk
organisasi manajemen risiko, serta memasukkan proses management organization, as well as including the risk
risiko sebagai bagian yang penting dalam menetapkan process as an important part in determining the company’s
rencana strategis perusahaan. Pembentukan budaya strategic plan. The establishment of a risk management
manajemen risiko memerlukan perubahan organisasi culture requires quite a fundamental organizational
yang cukup mendasar. Hal tersebut diperlukan agar change. This is necessary for the management to be able
manajemen dapat menangani secara langsung masalah to directly manage the risk issues faced such as the market
risiko yang dihadapi misalnya risiko pasar (tingkat suku risk (interest rate, exchange rate, etc.), and credit risks
bunga, nilai tukar dan lain-lain), dan risiko kredit yang associated with counterparties in the agreement. The Risk
terkait dalam perjanjian dengan counterparty. Komite Management Committee is responsible for developing
Manajemen Risiko bertugas untuk mengembangkan a risk culture and set the direction for all activities that
budaya risiko dan menetapkan arahan untuk seluruh involve risks;
aktivitas yang mengandung risiko;
2. Level kedua (level transaksi) dan level ketiga (portofolio) 2. The second level (transaction level) and third level
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risiko, perangkat trading, model analisis, metodologi risk concepts, trading tools, analytical models, statistical
statistik, pengamatan data historis dan analisa pasar, methodology, observation of historical data and market
yang semuanya merupakan faktor penting dalam sistim analysis, all of which are important factors in a rational
manajemen risiko yang rasional. system of risk management.

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
321
RISK MANAGEMENT
Proses Manajemen Risiko 5LVN0DQDJHPHQW3URFHVV
Unit Manajemen Peta Proses Risiko

Management Unit Risk Process Mapping
Dewan Komisaris 0HQHWDSNDQ7DUJHW5HYHQXH Rencana Usaha
Proses Manajemen Risiko
Board of Commissioners Determining Target Revenue Business Plan

Risk Management Process
Kesadaran Terhadap Risiko

Direksi Risk Awareness
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Board of Directors
Determining Risk Philosophy
Penetapan Peran
Dewan Komisaris Role Determination
Board of Commissioners
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Determining Tolerance Proses Pengambilan Risiko
Direksi Risk Taking Process
Board of Directors
3HQHWDSDQ3HOXDQJ Product & Risk Taking
Determining Opportunities
Risk & Capital Committee Rencana Pengenalan Produk
Risk & Capital Committee Product & Risk Taking
Product Induction Plan
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Strategy & Performance Risk Identifying
Strategy & Performance Risiko Kredit
Credit Risk
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Transaction Level
Risk Quantifying
Executive Management Rencana Pengawasan Internal
Internal Audit Plan
Dewan Direksi
Evaluasi Risiko
Board of Directors Risk Evaluation Penelitian Pasar
Market Research
Risk & Capital Committee
Risk & Capital Committee Pengambilan Risiko Bank-Wide Risk Assessment
Risk Taking Bank-Wide Risk Assessment
Unit Bisnis
Business Unit ,MBTJmLBTJ3JTJLP
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Data Collection & Assessment
Direksi
Board of Directors Rencana Produk
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Risk & Capital Committee Monitor & Report
Risk & Capital Committee Penelitian tentang Volaritas
Level Portofolio
Portfolio Level
Value at Risk, Earning at Risk

Unit Bisnis Review Metologi Volaritas
Review on Methodology
Business Unit Value at Risk, Earning at Risk
Risk Management 9DOLGDVL0HWRORJL Factor Sensitivitas Risiko

Risk Management Validating the Methodology Risk Sensitivity Factor
Risk Management Stress Testing

Risk Management 0HQHWDSNDQ7DUJHW5HYHQXH Stress Testing
Setting Target Revenue
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Organisasi Struktur Limit 6LVWHP 7HNQRORJL /DSRUDQ
Manajemen Risiko
Risk Procedure & Organization Limit Structure System & Technology Report Risk Model
Management
Instrumen Manajemen Risiko

Risk Management Instrument
Tahapan tersebut di atas merupakan gambaran umum dari The abovestated stages is a general overview of the risk
proses risiko. Proses tersebut meliputi proses pengembangan process. The process includes the development of core
LPNQFUFOTJ JOUJ EBSJ CBOL VOUVL NFOHJEFOUJmLBTJ NFOHVLVS competencies of the bank to identifying, measuring,
mengakses, memberikan limit, menetapkan asumsi, accessing, giving limit, setting assumptions, managing,
mengelola, mengawasi dan memonitor risiko. Proses supervising and monitoring the risk. The process begins with
EJNVMBJ EFOHBO JEFOUJmLBTJ TFMVSVI QPTJTJ CBOL ZBOH TFOTJUJG UIFJEFOUJmDBUJPOPGBMMUIFCBOLTQPTJUJPOTUIBUBSFTFOTJUJWF

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
MANAJEMEN RISIKO
terhadap risiko (risk sensitive positions) sampai pada proses to risks (risk sensitive positions) up to the risk-taking process
pengambilan risiko yang merupakan dasar untuk membentuk which is the basis in forming the further business plans.
rencana usaha selanjutnya.
Perangkat kerja dan teknik tertentu diperlukan untuk mengelola 8PSL JOTUSVNFOUT BOE TQFDJmD UFDIOJRVFT BSF SFRVJSFE
risiko secara efektif seperti penyusunan laporan manajemen to manage risks effectively, such as the preparation of
yang diterbitkan secara berkala sebagai bahan masukan management reports that are issued periodically as an input
bagi manajemen senior untuk mendapatkan gambaran for the senior management to obtain an overall picture of the
keseluruhan posisi risiko dari bank. Laporan juga harus dapat bank’s risk position. The report shall also be able to provide an
memberikan gambaran tentang hasil kinerja yang mengaitkan overview of the performance results associated to exposure to
eksposur risiko dan imbal-hasil. risk and its returns.
Proses investigasi, analisa dan evaluasi yang dilaksanakan The process of investigation, analysis and evaluation
oleh unit bisnis dan Satuan Kerja Manajemen Risiko dan conducted by the business units and the Risk Management
merupakan bagian dari aktivitas harian utama dari manajemen Unit and is part of the main daily activity of risk management
risiko sebagai berikut: as follows:
t *EFOUJmLBTJ3JTJLP t 3JTL*EFOUJmDBUJPO
• Pengukuran Risiko • Risk Assessment
• Evaluasi dan penyusunan posisi portofolio aset bank yang • Evaluation and preparation of the bank’s assets portfolio
memiliki dampak potensi risiko position that has potential impacts of risks
• Evaluasi, pelaporan dan pengawasan risiko yang terjadi • Evaluation, reporting and monitoring of risks occurring and
dan potensi risiko. the potential risks.
• Review dampak risiko yang terjadi dan potensi risiko yang • Review on the impacts of the risk occurring and the
akan terjadi potential risks which will occur
• Validasi kembali Proses Risiko • Re-validation of Risk Processes
1SPTFT *EFOUJmLBTJ QPUFOTJ SJTJLP EJMBLVLBO PMFI 1FSTFSPBO 5IF JEFOUJmDBUJPO QSPDFTT PG QPUFOUJBM SJTLT JT QFSGPSNFE CZ
dengan langkah-langkah sebagai berikut: the company through the following steps:
1. Pertama kali dilakukan oleh unit bisnis dengan 1. Firstly conducted by the business unit by determining
NFOFOUVLBO QFMVBOH EBSJ BLUJWJUBT mOBOTJBM ZBOH UIFQSPCBCJMJUZPGHFOFSBMmOBODJBMBDUJWJUJFTXIJDIJOWPMWF
umumnya mengandung risiko. Pada waktu menentukan risks. When determining the existence of business
BEBOZB QFMVBOH CJTOJT VOJU CJTOJT NFOHJEFOUJmLBTJ opportunities, the business unit identify, analyze and
menganalisa dan mengukur risiko khususnya potensi measure risks, particularly the potential impacts of these
dampak yang ditimbulkan oleh aktivitas tersebut terhadap activities on the positions/ portfolios. On the measurement
posisi/portofolio. Terhadap pengukuran risiko, unit bisnis of risk, the business units can cooperate with the Risk
dapat bekerja sama dengan Satuan Kerja Manajemen Management Unit.
Risiko. 2. The Business Unit decides to take the risk followed by
2. Unit Bisnis memutuskan mengambil risiko diikuti dengan a process of reporting and control, risk evaluation and
proses pelaporan dan kontrol, evaluasi risiko dan portfolio management to the risk exposure.
manajemen portofolio terhadap eksposur risiko dimaksud. 3. The Unit Leader evaluates the performance based on risk
3. Pimpinan Unit Kerja mengevaluasi kinerja berdasarkan considerations and the returns which was determined
pertimbangan risiko dan imbal-hasil yang ditetapkan oleh by the Board of Directors, and then make adjustments
Dewan Direksi, dan selanjutnya melakukan penyesuaian to the overall business strategy. The Risk Management
terhadap strategi usaha secara keseluruhan. Satuan Kerja 6OJU BTTJTUT JO UIF RVBOUJmDBUJPO PG UIF QFSGPSNBODF
.BOBKFNFO 3JTJLP NFNCBOUV EBMBN QSPTFT LVBOUJmLBTJ measurement process, but is not involved in the
dari pengukuran kinerja, namun tidak terlibat dalam performance assessment process.
proses penilaian kinerja itu.

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
323
RISK MANAGEMENT
Pada diagram dijelaskan infrastruktur yang diperlukan The diagram describes the infrastructure necessary for
agar implementasi dari proses pengelolaan risiko ini dapat the implementation of the risk management process
berhasil, yaitu kebijakan risiko yang jelas, organisasi yang to be successful, which is clear risk policies, effective
efektif dan adanya struktur kewenangan, dukungan sistem organization and the presence of authority structures, the
dan teknologi, sistem informasi manajemen yang baik, serta support of system and technology, good management
proses validasi model dan sistem. of information systems, as well as the model and system
validation processes.
Proses manajemen risiko memerlukan komitmen dari setiap The risk management process requires the commitment of
manajemen jajaran organisasi untuk mengembangkan sistem each management of the organizations to the system and
dan teknologi agar dapat mendukung komponen inti dalam technology to be able to support the core components in
pengendalian risiko. Sistem Manajemen Risiko minimal risk control. The Risk Management System shall minimally
harus mampu menilai posisi, menghitung risiko dari seluruh able to assess the position, calculates the risk of all
JOTUSVNFO mOBOTJBM EBMBN NBTJOHNBTJOH WBMVUB VUBNB mOBODJBM JOTUSVNFOUT JO FBDI PG UIF NBKPS DVSSFODJFT JO
dimana bank menjalankan usaha, baik secara transaksi which the bank perform its business, either in individual or
individual maupun secara agregat. Selanjutnya pelaporan aggregate transaction. Afterward, reporting is submitted
disampaikan kepada Direksi serta semua unit yang terkait to the Board of Directors as well as all relevant units on
terhadap materi laporan dimaksud. Unit operasional harus the reporting materials. The operational units should play
memegang peran dalam mengakses dan me-review secara a role in accessing and reviewing on an ongoing basis the
berkelanjutan kebutuhan minimum pengembangan dari minimum requirements of the development of systems and
sistem dan teknologi yang diperlukan aktivitas bank, untuk technologies needed for the activities of the bank, to be
kemudian disetujui oleh Dewan Direksi. approved by the Board of Directors.
3HQJHPEDQJDQ.HUDQJND3HQHUDSDQ0DQDMHPHQ 'HYHORSPHQW RI 5LVN 0DQDJHPHQW ,PSOHPHQWDWLRQ

Risiko )UDPHZRUN
3HQJHPEDQJDQ 0HWRGRORJL Risk Appetite, Risk 'HYHORSPHQW RI 5LVN $SSHWLWH 5LVN 7ROHUDQFH DQG
ToleranceGDQRisk Limit 5LVN/LPLW0HWKRGRORJLHV
Bank dalam menjalankan aktivitas bisnis dihadapkan In conducting business activities, Bank is faced with various
pada berbagai pemangku kepentingan antara lain, stakeholders, among others, customers and shareholders.
nasabah dan shareholder. Dalam memenuhi kebutuhan In meeting the needs of the customers or the public, Bank
nasabah atau masyarakat bank dituntut menjadi lembaga is required to be an intermediary institution that is able to
intermediasi yang dapat memenuhi kebutuhan jasa NFFUUIFOFFETPGUIFmOBODJBMTFSWJDFTDPNNVOJUZBTXFMM
keuangan masyarakat serta menjaga roda perekonomian as keeping the economy of a country in order to create
suatu negara agar terciptanya pertumbuhan ekonomi positive economic growth. On the other hand, banks
yang positif. Di sisi lain, bank diwajibkan memenuhi are required to meet the demands of the shareholders
tuntutan shareholder terkait tingkat bagi hasil (dividen) SFMBUFE UP UIF MFWFM PG QSPmU TIBSJOH EJWJEFOE
XIJDI JT
yang disaratkan atas tingkat risiko yang terkandung adjusted to the level of risk inherent in the funds invested
dalam dana yang ditanamkan oleh para pemegang by the shareholders. In the implementation, to achieve
saham tersebut (shareholder). Dalam Implementasinya, UIF EFTJSFE QSPmUBCJMJUZ UIF CBOL NVTU BEKVTU JUT BCJMJUZ
CBOLEBMBNNFODBQBJQSPmUBCJMJUBTZBOHEJOHJOLBOIBSVT to absorb risk events in its business process, the bank
menyesuaikan dengan kemampuan bank dalam menyerap can not be separated from the eight (8) types of inherent
kejadian risiko karena dalam proses bisnisnya, bank tidak risks that can impede the achievement of the business
lepas dari 8 (delapan) jenis risiko yang melekat sehingga strategy. The bank’s ability to absorb risk events can be
dapat menghambat dalam pencapaian strategi bisnis. SFnFDUFEJOUIFDBQJUBMMFWFM UIFSFGPSFUIFCBOLOFFETUP
Ukuran kemampuan bank dalam menyerap kejadian consider its ability to absorb risk events in achieving its
risiko dapat tercermin dari tingkat permodalannya, business strategy. To meet these demands, the bank is

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
MANAJEMEN RISIKO
sehingga bank dalam mencapai strategi bisnisnya perlu required to determine a number of risks in which the bank
mempertimbangkan kemampuannya dalam menyerap is willing to accept in line with the objectives in order to
kejadian risiko. Untuk memenuhi tuntutan tersebut, bank maximize the value to the shareholder (Risk Appetite), a
diwajibkan menentukan sejumlah risiko dimana bank number of maximum acceptable risks associated with
bersedia untuk menerimanya dalam keselarasan tujuan any determined risk-taking (Risk Tolerance), and risk
guna memaksimalkan nilai kepada shareholder (Risk limit which is the operational level of risk tolerance on the
Appetite), sejumlah risiko maksimum yang dapat diterima business activity of the bank (Risk Limit).
terkait dengan setiap pengambilan risiko yang ditetapkan
(Risk Tolerance), dan limit risiko yang merupakan tingkatan
operasional dari toleransi risiko pada aktivitas bisnis bank
(Risk Limit).
Pengembangan Risk Appetite, Risk Tolerance, dan The development of Risk Appetite, Risk Tolerance and
Risk Limit harus dapat mengakomodir tujuan seluruh Risk Limit shall be able to accommodate the objectives
stakeholder bank yang meliputi Regulator, Pemegang of all stakeholders of the bank, covering the Regulators,
Saham, Investor, Direksi, Karyawan, maupun Nasabah. Shareholders, Investors, Board of Directors, Employees,
Adapun tujuan dari stakeholder meliputi pemenuhan atas and Customers. The purpose of the stakeholders include
aspek Kepatuhan, Risiko, Permodalan, Return, maupun UIFGVMmMMNFOUPGUIFBTQFDUTPG$PNQMJBODF 3JTL $BQJUBM
Pertumbuhan yang berkelanjutan. Mengingat sifatnya Return, and Sustainable Growth. Given its comprehensive
yang menyeluruh, maka pengembangan dan pengelolaan nature, the development and management of Risk
Risk Appetite, Risk Tolerance, dan Risk Limit memerlukan Appetite, Risk Tolerance and Risk Limit requires a shared
komitmen bersama seluruh lini bank. commitment across the bank lines.
Risk Appetite, Risk Tolerance, dan Risk Limit yang sedang Risk Appetite, Risk Tolerance and Risk Limit currently being
dikembangkan oleh bank bertujuan untuk menunjang developed by the bank aims to support the achievement of
pencapaian strategi bisnis bank dengan tingkat risiko yang the bank’s business strategy with an acceptable risk level.
dapat diterima. Dalam implementasinya, akan dilakukan In its implementation, regular monitoring will be conducted
pemantauan secara berkala atas tingkat eksposur risiko on the level of actual risk exposure to the position of the
aktual terhadap posisi pencapaian strategi bisnis bank. bank’s business strategy achievement. While the aspects
Adapun aspek tata kelola (governance) terdiri dari tiga of governance consists of three aspects, among others:
aspek, antara lain: 1) Strategic Level
1) Strategic Level Strategic Level is the level of authority inherent to
Strategic Level merupakan jenjang kewenangan yang the Board of Directors through the Risk Management
melekat pada Direksi melalui Komite Manajemen Committee. The Board of Directors has the authority
Risiko. Direksi berwenang menentukan selera risiko to determine the desired risk appetite in line with the
yang diinginkan (risk appetite) selaras dengan strategi business strategy of the bank. In addition, the Board
bisnis bank. Disamping itu, Direksi juga berwenang of Directors is also authorized to give approval on the
untuk memberikan persetujuan atas besaran nilai Risk amount of Risk Tolerance and Risk Limit values with
Tolerance dan nilai Risk Limit dengan merujuk pada reference to the predetermined Risk Appetite.
Risk Appetite yang telah ditentukan. 2) Tactical Level
2) Tactical Level Management of Risk Appetite, Risk Tolerance and
Pengelolaan Risk Appetite, Risk Tolerance, Risk Limit at the Tactical Level is the authority of the
dan Risk Limit pada jenjang Tactical Level Risk Management Division. Developing risk tolerance
merupakan kewenangan Divisi Manajemen Risiko. methodologies for each type of risks bankwide.
Mengembangkan metodologi risk tolerance untuk
setiap jenis risiko secara bankwide.

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
325
RISK MANAGEMENT
3) Operational Level 3) Operational Level

Operational Level merupakan kewenangan dan Operational Level is the authority and formed by each
dibentuk oleh setiap Risk Taking Unit dimana perannya Risk Taking Unit in which the role is to determine the
adalah dalam menentukan besaran Risk Limit yang amount of acceptable Risk Limit and the results to
dapat diterima dan hasilnya dikoordinasikan dengan be coordinated with the Risk Management Division.
Divisi Manajemen Risiko. Besaran Risk Limit yang The proposed Risk Limit amount, is subsequently
diusulkan, selanjutnya disampaikan kepada Divisi submitted to the Risk Management Division for reviews
Manajemen Risiko untuk dilakukan review terkait associated with the calculation method as well as to
metode perhitungan serta dalam rangka melakukan synchronize with the Risk Tolerance and Risk Appetite
sinkronisasi dengan hasil perhitungan Risk Tolerance calculation results.
maupun Risk Appetite.
BASEL II PILAR 3: BASEL II PILAR 3:

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#FCFSBQB QFSLFNCBOHBO QFSBUVSBO ZBOH TJHOJmLBO 4FWFSBM TJHOJmDBOU SFHVMBUPSZ EFWFMPQNFOUT BGGFDUFE
mempengaruhi kondisi operasional dan bisnis bank the operational conditions and future of bank bjb’s
bjb ke depan antara lain tercermin dari terbitnya CVTJOFTT BNPOH PUIFST BT SFnFDUFE JO UIF JTTVBODF
Peraturan Bank Indonesia Nomor 14/26/PBI/2012 of Bank Indonesia Regulation No. 14/26/PBI/2012 on
tentang Kegiatan Usaha dan Jaringan Kantor #VTJOFTT "DUJWJUJFT BOE 0GmDF /FUXPSL #BTFE PO UIF
#FSEBTBSLBO.PEBM*OUJ#BOLZBOHNFOHLMBTJmLBTJLBO #BOLT$PSF$BQJUBMXIJDIDMBTTJmFTCBOLTJOUPNBJO
bank menjadi 4 kategori utama yaitu BUKU (Bank categories, namely BUKU (Commercial Bank Business
Umum Kategori Usaha) 1-4 berdasarkan jumlah Category) 1-4 based on the amount of core capital
modal inti bank. Masuknya modal inti bank bjb dalam position of the bank. bank bjb’s core capital, which is
kategori BUKU III membuat kegiatan usaha yang in the BUKU III category enables a more widespread
dapat dilakukan oleh bank bjb menjadi lebih luas, serta business activities that can be conducted by the bank,
dapat meningkatkan kepercayaan nasabah dalam BT XFMM BT JODSFBTF UIF DPOmEFODF PG UIF DVTUPNFST
melakukan aktivitas kegiatan perbankannya melalui in performing banking activities through bank bjb.
bank bjb. Per akhir Desember 2014, modal inti bank As of the end of December 2014, the core capital of
bjb mencapai Rp5,79 triliun dan berada pada kategori bank bjb reached Rp5.79 trillion and is included in
BUKU 3. Strategi permodalan yang efektif, kuat dan UIF#6,6***DBUFHPSZ&GGFDUJWF TUSPOH BOEFGmDJFOU
FmTJFOUFMBINFOKBEJGPLVTNBOBKFNFOTFJSJOHEFOHBO capital strategy has been the focus of management in
terus bertumbuhnya bank bjb menjadi bank yang line with the continued growth of bank bjb to become
semakin besar dan semakin kuat. a bigger and stronger bank.
Komponen permodalan bank didominasi oleh The bank’s capital component is dominated by
komponen permodalan yang bersifat permanen, permanent capital component, in which the core
dimana komponen modal inti merupakan komponen capital component is the largest capital component in
terbesar dalam struktur permodalan bank. Pada posisi the capital structure of the bank. In the December 2014
bulan Desember 2014, rasio modal inti bank baik position, the bank’s core capital ratio both individually
secara individual dan konsolidasi terhadap total ATMR and consolidated to the bank’s total RWA reached
bank mencapai 16,34% dan 15,40%. Rasio tersebut 16.34% and 15.40%. The ratio is above the provisions

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
MANAJEMEN RISIKO
berada di atas ketentuan yang ditetapkan oleh Bank set by Bank Indonesia with a minimum limit is 6% both
Indonesia dengan batasan minimum yaitu 6% baik individually or consolidated. The main core capital
secara individual maupun konsolidasi. Perhitungan ratio calculation (Common Equity Tier 1 ratio) to total
rasio modal inti utama (Common Equity Tier 1 Ratio) RWA of the bank both individually and consolidated in
terhadap total ATMR bank baik secara individual dan December 2014 reached 17.25% and 15.34% which
konsolidasi di bulan Desember 2014 mencapai 17,25% is above the provisions set by Bank Indonesia with a
dan 15,34% yang berada di atas ketentuan yang telah minimum limit of 4.50%.
ditetapkan Bank Indonesia dengan batasan minimum
yaitu 4,50%.
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Sebagai salah satu pengungkapan Basel II Pilar As one of the Basel II Pillar II disclosure, Bank
III, Bank Indonesia telah menerbitkan Surat Edaran Indonesia has issued the Circular Letter of Bank
Bank Indonesia Nomor 14/37/DPNP tanggal 27 Indonesia No. 14/37/DPNP dated 27 December 2012
Desember 2012 perihal Kewajiban Penyediaan Modal on the Minimum Capital Requirement in accordance to
.JOJNVNTFTVBJ1SPmM3JTJLPEBO1FNFOVIBOCapital UIF1SPmMF3JTLBOE$PNQMJBODFPG$BQJUBM&RVJWBMFODZ
Equivalency Maintained Assets (CEMA). Sehubungan Maintained Assets (CEMA). In relations, the bank
hal tersebut, bank telah mengembangkan dan has developed and implemented a methodology
menerapkan metodologi untuk penerapan Internal for the implementation of the Internal Capital
Capital Adequacy Assessment Process (ICAAP) Adequacy Assessment Process (ICAAP) in which the
dimana metodologi tersebut telah dibahas dan methodology has been discussed and approved by
disetujui dalam Komite Manajemen Risiko bank bjb. the Risk Management Committee of bank bjb. The
Laporan rasio kecukupan penyediaan modal minimum minimum capital adequacy reports in accordance to
TFTVBJ1SPmM3JTJLPEJMBQPSLBOTFDBSBCFSLBMBLFQBEB UIF3JTL1SPmMFBSFSFQPSUFESFHVMBSMZUPUIF#PBSEPG
Dewan Komisaris dan Direksi sebagai salah satu Commissioners and Board of Directors as a form of
bentuk kepatuhan terhadap ketentuan Surat Edaran compliance with the provisions of the Circular Letter of
Bank Indonesia tersebut. Bank Indonesia.
Pengukuran internal yang dilakukan bank telah Internal measurements carried out by the bank has
memperhitungkan Pilar I dan Pilar II yaitu rasio accounted for Pillar I and Pillar II namely the minimum
LFDVLVQBO NPEBM CBOL NJOJNVN TFTVBJ QSPmM SJTJLP DBQJUBMBEFRVBDZSBUJPDPSSFTQPOETUPUIFSJTLQSPmMF
baik secara individual maupun konsolidasi di bulan both individually or consolidated in December 2014
Desember 2014 mencapai 10,28% dimana hasil reaching 10.28% in which the results of the bank’s risk
QFOHVLVSBO QSPmM SJTJLP CBOL QBEB QFSJPEF UFSTFCVU QSPmMFNFBTVSFNFOUTPGUIFQFSJPEJTBUUIFDPNQPTJUF
berada pada level peringkat komposit Moderate. Pada ranking level of Moderate. At the December 2014
posisi bulan Desember 2014, rasio kecukupan modal position, both the individual and consolidated capital
bank baik secara individual maupun konsolidasi adequacy ratio of the bank reached 16.39% and
mencapai 16,39% dan 16,35% sehingga rasio 16.35%, hence the bank’s capital adequacy ratio is
kecukupan modal bank tersebut berada di atas above the provisions of the minimum capital adequacy
ketentuan rasio kecukupan modal bank minimum SBUJPJOBDDPSEBODFUPUIFSJTLQSPmMFPGUIFCBOL XIJDI
TFTVBJQSPmMSJTJLPCBOLZBJUV is 10.28%.
Sejalan telah diterbitkannya PBI Nomor 15/12/ Corresponding to the issuance of PBI No. 15/12/
PBI/2013 tanggal 12 Desember 2013 perihal PBI/2013 dated 12 December 2013 on the Minimum
Kewajiban Penyediaan Modal Minimum, saat ini Capital Requirement, currently bank bjb has prepared
bank telah mempersiapkan infrastruktur yang baik good and effective infrastructures in order to ensure
dan efektif dalam rangka memastikan implementasi the implementation of the PBI does not interfere with

Introduction
Management Report
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RISK MANAGEMENT
PBI tersebut tidak mengganggu ekspansi bisnis dan its business expansion and operational activities.
aktivitas operasional bank bjb. Sesuai PBI tersebut, In accordance to the PBI, the bank shall provide a
bank harus menyediakan rasio kecukupan modal minimum capital adequacy ratio that is appropriate
NJOJNVN TFTVBJ QSPmM SJTJLP CBOL EJUBNCBI EFOHBO XJUI UIF SJTL QSPmMF PG UIF CBOL JO BEEJUJPO UP $BQJUBM
Capital Conservation Buffer, Countercylical Buffer dan Conservation Buffer, Countercylical Buffer and Capital
Capital Surcharge untuk D-SIB (Domestic Systemically Surcharge for D-SIB (Domestic Systemically Important
Important Bank). Capital Conservation Buffer tersebut Banks). The Capital Conservation Buffer is required by
diperlukan oleh bank sebagai upaya penyangga the bank as a buffer in the face of losses due to crisis
(buffer) dalam menghadapi kerugian akibat kondisi conditions, while Countercylical Buffer is needed by
krisis, sedangkan Countercylical Buffer dibutuhkan the bank as a buffer additional capital to anticipate
bank sebagai tambahan modal penyangga untuk losses in the event of excessive credit growth which
mengantisipasi kerugian apabila terjadi pertumbuhan QPUFOUJBMMZ EFTUBCJMJ[FT UIF mOBODJBM TZTUFN 5IF
kredit perbankan yang berlebihan sehingga berpotensi determination of Capital Surcharge is necessary for
mengganggu stabilitas sistem keuangan. Penetapan bank bjb which has made the systemic status in which
Capital Surcharge tersebut diperlukan bagi bank bjb the bank needs to provide additional capital that
yang telah dijadikan status bank sistemik dimana bank serves to reduce the negative impact on the stability
perlu menyediakan tambahan modal yang berfungsi PGUIFmOBODJBMTZTUFNBOEFDPOPNZJOUIFFWFOUPGB
untuk mengurangi dampak negatif terhadap stabilitas systemic Bank failure through the increase in the Bank’s
sistem keuangan dan perekonomian apabila terjadi ability to absorb losses. As a form of adherence to these
kegagalan Bank yang berdampak sistemik melalui provisions, the bank gradually carry out developments
peningkatan kemampuan Bank dalam menyerap in the form of database preparedness and the process
kerugian. Sebagai bentuk kepatuhan terhadap of Basel III mapping into the infrastructure of the bank.
ketentuan tersebut, bank secara bertahap melakukan One of them is conducted through the coordination
pengembangan berupa kesiapan database dan among Divisions involved, designing the Basel III
proses pemetaan Basel III ke dalam infrastruktur bank. Framework and perform measurements as well as
Salah satunya yang dilakukan yaitu dilakukannya monitoring to any provisions stipulated in the Basel III
koordinasi diantara Divisi yang terlibat, mendesain regulation.
Framework Basel III dan melakukan pengukuran serta
pemantauan untuk setiap ketentuan yang diatur dalam
regulasi Basel III tersebut.
Seiring kondisi makroekonomi Indonesia yang masih Correlated with Indonesia’s macroeconomic conditions
bergejolak dan ditandai dengan rencana kebijakan The that are still volatile and marked with the policy plan of
Fed yang akan menaikkan suku bunga The Fed yang The Fed to increase the interest rates of The Fed which
berpotensi meningkatkan capital PVUnPX, gejolak nilai IBTUIFQPUFOUJBMUPJODSFBTFDBQJUBMPVUnPX FYDIBOHF
UVLBS EBO JOnBTJ .BOBKFNFO CBOL bjb menanggapi SBUF BOE JOnBUJPO WPMBUJMJUZ UIF .BOBHFNFOU PG CBOL
gejolak tersebut dengan memperkuat permodalan bjb responds to such volatilities by strengthening the
bank sebagai bentuk penerapan manajemen risiko capital of the bank as a form of a strong (robust) risk
yang kuat (robust) sehingga dapat menyerap kerugian management implementation, enabling it to absorb
apabila terdapat stress event dikemudian hari. Dalam losses in the event of a stressful event in the future.
rangka menjawab tantangan bisnis di era pasar bebas In order to answer the business challenges in the
di kemudian hari dan untuk memenuhi kebutuhan free market era in the future and to meet the needs of
masyarakat, bank selalu melakukan perbaikan dan the community, the bank always make improvements
pengembangan baik dari segi produk dan jasa serta and development in terms of both products and
peningkatan infrastruktur manajemen risiko bank services and increase the bank’s risk management
melalui analisis yang komprehensif disertai dengan infrastructure through a comprehensive analysis

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
MANAJEMEN RISIKO
riset yang memadai sehingga dapat menjaga agar BDDPNQBOJFECZTVGmDJFOUSFTFBSDI XIJDIJOUVSOXJMM

aktivitas bisnis dan operasional bank tetap prudent maintain the bank’s business and operational activities
dan berada dalam batas toleransi risiko bank. Selain to remain prudent and within the limits of the bank’s
itu pula, pengembangan kerangka kerja risk appetite risk tolerance. In addition, the development of the risk
dan risk tolerance sering dilakukan dan dievaluasi appetite and risk tolerance framework is performed
agar kecukupan permodalan yang dimiliki bank masih regularly and evaluated to ensure the adequacy
memadai dan mampu meng-cover kerugian ataupun of capital owned by the bank is still adequate and
potensi risiko kerugian yang timbul dari aktivitas able to cover losses or potential losses arising from
operasional bank. operational activities of the bank.
Pengelolaan modal risiko kredit bank bjb berpedoman The capital management of bank bjb’s credit risk
pada Surat Edaran Bank Indonesia Nomor 13/6/ is based on the Circular Letter of Bank Indonesia
DPNP tanggal 18 Februari 2011 perihal Pedoman No. 13/6/DPNP dated February 18, 2011 on the
Perhitungan Aset Tertimbang Menurut Risiko untuk Guidelines for the Calculation of Risk-Weighted Assets
Risiko Kredit dengan Menggunakan Pendekatan for Credit Risk by Using the Standard Approach. The
Standar. Penetapan bobot risiko pada perhitungan determination of risk weighting in the calculation of
ATMR mengacu kepada bobot risiko sesuai ketentuan RWA refers to the risk weight in accordance with the
Bank Indonesia dimaksud. referred Bank Indonesia’s provisions.
Dalam mengukur ATMR Risiko Pasar, bank masih In measuring the RWA market risk, the bank still uses
mempergunakan format standardized method yang the standardized method format which includes the
meliputi perhitungan risiko suku bunga dan risiko nilai calculation of the interest rates risk and exchange
tukar. Sesuai dengan pedoman yang ditetapkan oleh rates risk. As an effort to the development stage of
Bank Indonesia, risiko pasar yang wajib dihitung oleh internal models, the bank already has the OPICS Risk
Bank adalah risiko suku bunga di trading book dan information system that serves to assess the Value
risiko nilai tukar di trading book dan banking book. at Risk for each effects that are categorized into the
Sebagai upaya ke tahap pengembangan internal Trading Book.
model, bank telah memiliki sistem informasi OPICS
Risk yang berfungsi dalam mengukur Value at Risk
untuk setiap efek yang dikategorikan ke dalam Trading
Book.
Perhitungan kecukupan modal risiko operasional The calculation of operational risk capital adequacy
masih menggunakan metode basic indicator approach still uses the basic indicator approach (BIA) which
(BIA) yang dilakukan sesuai dengan ketentuan dari is conducted in accordance with the provisions of
regulator. Berdasarkan metode tersebut, Perusahaan the regulator. Based on this method, the Company
mengalokasikan modal minimum untuk risiko allocates the minimum capital for operational risk based
operasional berdasarkan historical data yaitu sebesar on the historical data that is equal to the gross income
rata-rata dari penjumlahan pendapatan bruto (gross sum average over the last 3 years annual (positive)
income) tahunan selama 3 tahun terakhir (yang multiplied by the applicable rate, which is 15%. The
positif) dikali tarif yang berlaku yaitu 15%. Perhitungan calculation of the capital adequacy of operational risk
kecukupan modal risiko operasional tersebut menjadi has become the basis for the calculation of RWA for
dasar dalam perhitungan ATMR Risiko Operasional. Operational Risk.

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
329
RISK MANAGEMENT
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A 0RGDO,QWL&RUH&DSLWDO 5.792.267 6.162.193 5.350.206 5.630.554 4.650.062 5.006.557
1. Modal Disetor/Paid-in Capital 2.424.073 2.424.073 2.424.073 2.424.073 2.427.073 2.427.073
2. Cadangan Tambahan Modal/Supplemental 3.689.779 3.713.384 3.247.719 3.188.428 2.547.575 2.564.789
Reserve Capital
3. Modal Inovatif/Innovative Capital - - -
4. Faktor Pengurang Modal Inti/Core Capital 321.586 15.992 321.586 15.992 321.586 15.992
Deduction
5. Kepentingan Non Pengendali/Non-Controlling - 40.728 34.045 33.687
interests
B 0RGDO3HOHQJNDS6XSSOHPHQWDU\&DSLWDO 16.678 379.279 (9.926) 332.277 (77.687) 267.036
1. Level Atas (Upper Tier 2)/ Upper Level (Upper 338.264 395.271 311.660 348.269 243.899 283.028
Tier 2)
2. Level Bawah (Lower Tier 2) Maksimum 50% - -
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50% Core Capital
3. Faktor Pengurang Modal Pelengkap/ 321.586 15.992 321.586 15.992 321.586 15.992
Supplementary Capital Deduction
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Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
MANAJEMEN RISIKO
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Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
331
RISK MANAGEMENT
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Sebagai upaya memastikan kecukupan kebijakan As an effort to ensure the adequacy of credit policies
dan prosedur perkreditan, maka bank bjb menyusun and procedures, bank bjb prepares the Bank
Kebijakan Perkreditan Bank (KPB) yang digunakan Credit Policy (CDE) which is used as a basis in the
sebagai landasan dalam pembuatan Pedoman preparation of the credit Guidelines and Standard
maupun Standar Operasional Prosedur (SOP) Operating Procedures (SOPs).
perkreditan.
bank bjb menerapkan proses yang ketat atas setiap bank bjb applies strict processes on any preparations
penyusunan maupun perubahan atas setiap ketentuan or amendments of any internal provisions of the
internal bank. Penyusunan maupun perubahan atas bank. The preparation of and amendments to the
KPB, Pedoman, dan SOP perkreditan dilakukan melalui CDE, Guidelines, and SOPs for credit are carried out
tahapan berjenjang yang dimulai dari pembahasan through tiered stages which start from the discussion
pada level teknis hingga melalui persetujuan Direksi. at the technical level to the approval of the Board of
bank bjb juga telah memiliki standar baku dalam Directors. bank bjb also has a standard in the SOP
alur penyusunan SOP sehingga dapat dihasilkan DSFBUJPO nPX TP JU DBO QSPEVDF HPPE RVBMJUZ SFTVMUT
kualitas hasil yang baik. Setiap penyusunan maupun Each drafting and amendment of credit policies,
perubahan atas Kebijakan, Pedoman dan SOP guidelines and SOPs always go through a review by
perkreditan senantiasa melalui pembahasan bersama UIFSFMBUFE%JWJTJPOTUIFSFGPSFGVMmMMJOHUIFBEFRVBDZPG
Divisi yang terkait sehingga memenuhi kecukupan SJTLJEFOUJmDBUJPOBOENJUJHBUJPOBTXFMMBTDPNQMJBODF
JEFOUJmLBTJ EBO NJUJHBTJ SJTJLP TFSUB LFUFOUVBO ZBOH to the applicable regulations.
berlaku.
bank bjb saat ini telah secara intensif melakukan Currently, bank bjb IBT JOUFOTJmFE JNQSPWFNFOUT PO
penyempurnaan atas modelling yang digunakan the modeling used in the calculation of the risk appetite
dalam perhitungan tingkat risiko yang akan diambil and risk tolerance based on the bank’s capital. Risk
(risk appetite) dan toleransi risiko (risk tolerance) appetite is the level and type of risk that is willing to be
berdasarkan modal yang dimiliki bank. Tingkat Risiko taken by the Bank in order to achieve the objectives of
yang akan diambil merupakan tingkat dan jenis Risiko the Bank. Risk tolerance is the maximum level and type
yang bersedia diambil oleh Bank dalam rangka of risk set by the Bank. Risk tolerance is a description
mencapai sasaran Bank. Toleransi Risiko merupakan of the risk appetite.
tingkat dan jenis Risiko yang secara maksimum
ditetapkan oleh Bank. Toleransi Risiko merupakan
penjabaran dari tingkat Risiko yang akan diambil.
Adapun terkait dengan limit kewenangan memutus In relations to loan approval authority limit, currently
kredit saat ini bank bjb telah menerapkan mekanisme bank bjb has implemented a mechanism of credit
keputusan kredit secara berjenjang sesuai dengan decisions in stages according to the level of risk that is
tingkat risiko yang tercermin dari plafond pengajuan SFnFDUFEGSPNUIFNBYJNVNDSFEJUGBDJMJUZBQQMJDBUJPO
fasilitas kredit.

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
MANAJEMEN RISIKO
.HFXNXSDQ 3URVHV LGHQWLÀNDVL 3HQJXNXUDQ $GHTXDF\ RI 5LVN ,GHQWLÀFDWLRQ 0HDVXUHPHQW
3HPDQWDXDQ GDQ 3HQJHQGDOLDQ 5LVLNR VHUWD 0RQLWRULQJ DQG 5LVN &RQWURO DV ZHOO DV 5LVN
sistem informasi Manajemen Risiko 0DQDJHPHQW,QIRUPDWLRQ6\VWHP
Dalam analisa kredit, bank telah menerapkan In the analysis of credit, the bank has implemented
QSPTFT JEFOUJmLBTJ BUBT QPUFOTJ SJTJLP ZBOH a process of identifying inherent potential risks. The
NFMFLBU 1SPTFT JEFOUJmLBTJ UFSTFCVU NFOKBEJ JEFOUJmDBUJPO QSPDFTT CFDPNFT NPSF PQUJNBM XJUI
lebih optimal dengan dibentuknya Divisi yang UIF FTUBCMJTINFOU PG B %JWJTJPO XIJDI JT TQFDJmDBMMZ
khusus melaksanakan review dan analisa lanjutan assigned to conduct reviews and further analysis
atas potensi risiko yang melekat pada proses of the inherent potential risks in the process of loan
pengajuan fasilitas kredit. facility application.
4FCBHBJCFOUVLJEFOUJmLBTJBUBTSJTJLPLSFEJU CBOL "T B GPSN PG DSFEJU SJTL JEFOUJmDBUJPO CBOL bjb
bjb telah mengembangkan mekanisme pelaporan has developed a non performing loans reporting
kredit bermasalah yang dilakukan oleh Kantor NFDIBOJTNXIJDIJTQFSGPSNFECZUIF#SBODI0GmDF
Cabang secara berkala. Pelaporan ditujukan on a regular basis. The reports are addressed to the
kepada Divisi Manajemen Risiko untuk menjadi Risk Management Division to be used as input in the
masukan dalam penyusunan strategi Manajemen preparation of the Risk Management strategy.
Risiko.
Dalam melakukan pengukuran risiko, bank bjb In conducting risk measurements, bank bjb develops
mengembangkan model risiko kredit melalui credit risk models through the utilization of the Internal
penggunaan Internal Credit Risk Rating (ICRR) Credit Risk Rating (ICRR) and Internal Credit Risk
dan Internal Credit Risk Scoring (ICRS) pada setiap Scoring (ICRS) in any loan application. The rating and
pengajuan kredit. Adapun rating dan scoring yang scoring owned by bank bjb include:
dimiliki oleh bank bjb meliputi: • Non Retail Credit Rating:
• Pemeringkatan Kredit Non Ritel: Construction Corporate Rating
- Rating Korporasi Konstruksi - Corporate Rating
- Rating Korporasi - Contruction SME Rating
- Rating SME Konstruksi - SME Rating
- Rating SME • Retail Credit Rating
• Pemeringkatan Kredit Ritel - Kredit Mikro Utama Scoring
- Scoring Kredit Mikro Utama - Kredit Usaha Rakyat Scoring
- Scoring Kredit Usaha Rakyat • Consumptive Credit Rating
• Pemeringkatan Kredit Konsumtif - Guna Bakti Loan Scoring
- Scoring Kredit Guna Bakti - Housing Loan Scoring
- Scoring Kredit Pemilikan Rumah
ICRR adalah suatu alat bantu dalam mengukur ICRR is an instrument to measure credit risk in the form
risiko kredit dalam bentuk suatu model yang of a model which is utilized to predict the likelihood of
digunakan untuk memprediksi tingkat kemungkinan default by the debtor to the granted credit facilities.
kegagalan pembayaran oleh debitur atas fasilitas 5IF *$$3 DMBTTJmFT DPNQBOZ DPSQPSBUJPO FOUJUJFT
LSFEJU ZBOH EJCFSJLBO *$33 .FOHLMBTJmLBTJLBO systematically into a risk class (grading or ranking).
entitas perusahaan/korporasi secara sistematis ke The application of ICRR aims to determine the rank
dalam suatu kelas risiko (grading atau peringkat). PGBEFCUPSUIBUSFnFDUTUIF1SPCBCJMJUZPG%FGBVMU 1%

Penggunaan ICRR bertujuan untuk menentukan amount. Debtors with the best rating has a Probability of
peringkat bagi debitur yang mencerminkan Default that is close to zero. As for a lower credit rating,

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
333
RISK MANAGEMENT
besaran Probability of Default (PD). Debitur the Probability of Default will increase resulting in an
dengan rating terbaik memiliki Probability of exponential shaped default rate curve in accordance
Default yang mendekati nol. Adapun untuk kredit with the rating downgrade.
dengan rating lebih rendah, Probability of Default
akan meningkat sehingga menghasilkan kurva
default rate berbentuk exponential sesuai dengan
penurunan rating.
Tingkatan rating debitur dinyatakan dengan huruf The rating level of debtors is expressed by letters
yang meliputi 20 (dua puluh) peringkat berbeda which covers 20 (twenty) different ratings, namely:
yaitu:
Rating .HWHUDQJDQ'HVFULSWLRQ
AAA Outstanding
AA+ Strong
AA Strong
AA- Strong
A+ Good
A Good
A- Good
BBB+ Average
BBB Average
BBB- Average
BB+ Acceptable
BB Acceptable
BB- High Risk
B+ High Risk
B Watch List
B- Watch List
CCC+ Special Mention
CCC Special Mention
CCC- Substandard
D Doubtful
Adapun penerapan ICRS menjadi suatu keputusan While the implementation of ICRS is a decision of
persetujuan atau penolakan atas pengajuan approval or denial of an application for a credit facility.
fasilitas kredit. Dengan menggunakan ICRS maka By using the ICRS, the Bank can process credit better,
Bank dapat memproses kredit dengan lebih baik, objective and standards, as well as a relatively faster
obyektif dan standar, serta dengan waktu proses processing time.
relatif lebih cepat.
bank bjb merencanakan untuk senantiasa bank bjb plans to continuously improve the rating
memperbaiki sistem rating yang akan menjadi salah system which will be one of the components in the
TBUVLPNQPOFOEBMBNNFUPEPMPHJJEFOUJmLBTJEBO NFUIPEPMPHZ PG JEFOUJmDBUJPO BOE NFBTVSFNFOU PG
pengukuran risiko kredit serta mengembangkan credit risk as well as to develop a scoring system in
sistem scoring dalam pengambilan keputusan credit decisions for the masses.
terutama kredit yang bersifat massal.
Sebagai bentuk lain dari pengukuran risiko kredit, As other forms of credit risk assessment, bank bjb
bank bjb telah melakukan estimasi kerugian yang has conducted the Expected Loss estimations as well
telah diperkirakan (Expected Loss) serta besar as the loss amount of Unexpected Loss. Expected

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
MANAJEMEN RISIKO
kerugian yang tidak diperkirakan (Unexpected Loss (EL) is the amount of losses expected to arise
Loss). Expected Loss (EL) adalah besaran from average of the common estimated losses. EL is
kerugian secara statistik yang diperkirakan obtained from the calculation of the Exposure at the
timbul secara rata-rata dari perkiraan kerugian time of default (EAD), loss given default (LGD) and
yang secara umum terjadi. EL didapatkan dari the probability of default (PD), that are estimated from
perhitungan Eksposur pada saat default (EAD), the default probability data historically. Meanwhile,
kerugian pada saat default (LGD) dan probabilitas Unexpected Loss (UL) is the deviation from the
terjadinya default (PD), yang diestimasi dari data average loss. The calculation of UL is obtained from
probabilitas default secara historis. Sementara itu the historical volatility data over the default data.
Unexpected Loss (UL) merupakan deviasi dari
rata-rata kerugian. Perhitungan UL diperoleh dari
data volatilitas secara historis (historical volatility)
atas data default.
bank bjb juga telah mengembangkan proses bank bjb has also developed a process of risk
pemantauan risiko yang dilakukan secara berkala monitoring which is carried out periodically through
melalui penerbitan laporan Root Cause of Credit the publication of a Root Cause of Credit Risk (RCCR)
Risk (RCCR) yang disampaikan kepada Direksi report which is submitted to the Board of Directors and
dan seluruh Divisi terkait. Laporan Root Cause of all relevant Division. The Root Cause of Credit Risk
Credit Risk (RCCR) berisi analisa perkembangan (RCCR) report contains analysis of the development of
portofolio beserta kualitas kreditnya, serta the portfolio and its credit quality, as well as the level
tingkat konsentrasi kredit baik berdasarkan of credit concentration based on the economic sector,
TFLUPS FLPOPNJ XJMBZBI HFPHSBmT NBVQVO geographic region, or core debtors. This report also
debitur inti. Dalam laporan ini disampaikan pula conveys the cause of non performing loans that can
penyebab terjadinya kredit bermasalah sehingga be the input to matters that need to be corrected in
dapat menjadi masukan atas hal-hal yang perlu conducting loan disbursements. The publication of the
diperbaiki dalam melakukan penyaluran kredit. Root Cause of Credit Risk (RCCR) report can become
Dengan penerbitan laporan Root Cause of Credit an Early Warning Signal (EWS) for the decline in credit
Risk (RCCR) dapat menjadi Early Warning Signal quality.
(EWS) atas penurunan kualitas kredit.
6LVWHP3HQJHQGDOLDQ,QWHUQ\DQJ0HQ\HOXUXK &RPSUHKHQVLYH,QWHUQDO&RQWURO6\VWHP

bank bjb telah memiliki sistem pengendalian intern bank bjb already has an internal control system for the
untuk manajemen risiko kredit dengan berpedoman management of credit risk based on SE BI No. 13/23/
pada SE BI Nomor 13/23/DPNP tanggal 25 Oktober DPNP dated 25 October 2011 on the Amendment to
2011 perihal Perubahan atas Surat Edaran Nomor Circular No. 5/21/DPNP on the Implementation of Risk
5/21/DPNP perihal Penerapan Manajemen Risiko Management for Commercial Banks. In practice, the
bagi Bank umum. Dalam pelaksanaannya, sistem internal control system for credit risk includes the
pengendalian intern untuk risiko kredit mencakup implementation of the following matters:
penerapan atas hal-hal sebagai berikut: - Adequacy of compliance with Policies, Guidelines
- Dipenuhinya kecukupan Kebijakan, Pedoman BOE1SPDFEVSFTJOUIFmFMEPGDSFEJU
dan Prosedur bidang perkreditan; - Implementation of reviews by an independent unit
- Dilakukannya review oleh unit kerja independen on the draft Policies, Guidelines and Procedures in
atas rancangan Kebijakan, Pedoman dan UIFmFMEPGDSFEJU
Prosedur bidang perkreditan;

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
335
RISK MANAGEMENT
- Dilakukannya review/kaji ulang atas metode - Implementation of review/ revision on the methods
pengukuran risiko oleh Divisi Manajemen of measuring risk by the Risk Management Division
Risiko yang mencakup penilaian kesesuaian which includes conformity assessment methods,
metode, dan asumsi yang digunakan untuk and assumptions used to measure the risks;
mengukur risiko; - Review on the bank’s compliance to internal and
- Kaji ulang atas kepatuhan bank terhadap FYUFSOBMQSPWJTJPOTJOUIFmFMEPGDSFEJU
ketentuan internal dan eksternal bidang
perkreditan.
Dalam rangka optimalisasi pengendalian intern, In order to optimize internal control, bank bjb has also
maka bank bjb juga telah melakukan pemisahan conducted a clear separation of functions between
fungsi yang jelas antara unit bisnis dan unit yang the business units and units that perform control so
melaksanakan pengendalian sehingga bank telah that the bank has implemented the segregation of duty
menerapkan segregation of duty dan dual control and dual control in making credit decisions. Internal
dalam melakukan keputusan kredit. Pengendalian controls for credit risk management also includes
intern untuk manajemen risiko kredit juga oversight by the Board of Commissioners and the
mencakup pengawasan oleh Dewan Komisaris Board of Directors on a regular basis through reports
dan Direksi secara berkala melalui pelaporan yang submitted by the Risk Management Division and the
disampaikan oleh Divisi Manajemen Risiko maupun implementation of duties by the Risk Management
pelaksanaan Risk Management Committee Committee (RMC) consisting of the Board of Directors
(RMC) yang beranggotakan Direksi serta pejabat BOESFMBUFEFYFDVUJWFPGmDFST5IFJNQMFNFOUBUJPOPG
eksekutif terkait. Adapun pelaksanaan rapat the Risk Monitoring Committee (RMC) meeting has
Komite Pemantau Risiko (KPR) telah dilaksanakan been carried out on a regular basis to monitor the
secara berkala yang ditujukan untuk memantau development of credit risk exposures in accordance
perkembangan eksposur risiko kredit sesuai with the latest developments.
dengan perkembangan terkini.

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
MANAJEMEN RISIKO
3. Pengungkapan Kuantitatif Risiko Kredit
D 3HQJXQJNDSDQ 7DJLKDQ %HUVLK %HUGDVDUNDQ

:LOD\DK²%DQN6HFDUD,QGLYLGXDO7DEHOD
(Rp Juta)
No Kategori Portofolio 'HVHPEHU'HFHPEHU
3RUWIROLR&DWHJRU\ 7DJLKDQ%HUVLK%HUGDVDUNDQ6LVD-DQJND:LOD\DK
Net Receivable Based on Region
:LOD\DK :LOD\DK :LOD\DK :LOD\DK Total
Region 1 Region 2 Region 3 Region 4
(1) (2)
1 Tagihan Kepada Pemerintah/ Claims on Government/Sovereign 13.171.571 792.280 - - 13.963.851
2 Tagihan Kepada Entitas Sektor Publik/ Claims on Public Sector 160.000 - 10.837 - 170.837
Entities
3 Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga -
Internasional/ Claims on Multilateral Development Banks
and International Entities
4 Tagihan Kepada Bank/ Claims on Banks 2.981.358 189.056 279.541 80.798 3.530.753
5 Kredit Beragun Rumah Tinggal/ Claims Secured by Residential 1.360.143 1.283.380 1.058.574 696.601 4.398.698
Property
6 Kredit Beragun Properti Komersial/ Claims Secured by Commercial -
Real Estate
7 Kredit Pegawai/Pensiunan/ Claims on Pension Loans 12.042.157 5.269.954 10.884.383 5.693.157 33.889.651
8 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel/ 1.388.425 468.572 1.563.789 454.091 3.874.877
Claims on Micro, Small, and Retail Portfolio
9 Tagihan kepada Korporasi/ Claims on Corporate 1.859.511 3.023.993 622.516 859.662 6.365.682
10 Tagihan yang Telah Jatuh Tempo/ Claims on Past Due Exposures -
11 Aset Lainnya/ Other Assets 3.005.993 60.905 94.235 70.565 3.231.698
12 Eksposur di Unit Usaha Syariah (apabila ada)/ Sharia Exposures (if -
any)
Total 35.969.158 11.088.140 14.513.875 7.854.874 69.426.047
E 3HQJXQJNDSDQ 7DJLKDQ %HUVLK %HUGDVDUNDQ

:LOD\DK ² %DQN VHFDUD .RQVROLGDVDL GHQJDQ
3HUXVDKDDQ$QDN7DEHOE(Rp Juta)
3RUWIROLR&DWHJRU\
7DJLKDQ%HUVLK%HUGDVDUNDQ6LVD-DQJND:LOD\DK
Net Receivable Based on Region
(1) (2)
1 Tagihan Kepada Pemerintah/ Claims on Government/Sovereign 13.379.861 792.280 - - 14.172.141
2 Tagihan Kepada Entitas Sektor Publik/ Claims on Public Sector 160.000 - 10.837 - 170.837
Entities
3 Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga - - - - -
Internasional/ Claims on Multilateral Development Banks
4 Tagihan Kepada Bank/ Claims on Banks 2.376.960 189.056 279.541 80.798 2.926.355
5 Kredit Beragun Rumah Tinggal/ Claims Secured by Residential 1.360.143 1.283.380 1.058.574 696.601 4.398.698
Property
6 Kredit Beragun Properti Komersial/ Claims Secured by Commercial - - - - -
Real Estate
7 Kredit Pegawai/Pensiunan/ Claims on Pension Loans 12.042.157 5.269.954 10.884.383 5.693.157 33.889.651
8 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel/ 5.928.388 468.572 1.563.789 454.091 8.414.840
Claims on Micro, Small, and Retail Portfolio
9 Tagihan kepada Korporasi/ Claims on Corporate 1.864.365 3.023.993 622.516 859.662 6.370.536
10 Tagihan yang Telah Jatuh Tempo/ Claims on Past Due Exposures - - - - -
11 Aset Lainnya/ Other Assets 3.045.865 60.905 94.235 70.565 3.271.570
12 Eksposur di Unit Usaha Syariah (apabila ada)/ Sharia Exposures - - - - -
(if any)
Total 40.157.739 11.088.140 14.513.875 7.854.874 73.614.628

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
337
RISK MANAGEMENT
3. Quantitative Credit Risk Disclosure
D 'LVFORVXUHRI1HW5HFHLYDEOHE\5HJLRQ²%DQN2QO\
(Table 2.1.a) (Rp Million)
'HVHPEHU'HFHPEHU 'HVHPEHU'HFHPEHU
7DJLKDQ%HUVLK%HUGDVDUNDQ6LVD-DQJND:LOD\DK 7DJLKDQ%HUVLK%HUGDVDUNDQ6LVD-DQJND:LOD\DK
Net Receivable Based on Region Net Receivable Based on Region
:LOD\DK :LOD\DK :LOD\DK :LOD\DK Total :LOD\DK :LOD\DK :LOD\DK :LOD\DK Total
Region 1 Region 2 Region 3 Region 4 Region 1 Region 2 Region 3 Region 4
(3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
14.227.218 587.680 - - 14.814.898 13.077.551 208.144 1.231 - 13.286.926
178.956 - 12.877 - 191.833 567.788 - 9.104 - 576.892
- - - - - - - - - -
1.680.232 174.064 107.737 63.680 2.025.713 1.961.455 82.686 62.757 42.230 2.149.128
1.215.843 1.072.660 971.402 632.089 3.891.994 558.192 443.318 460.181 234.904 1.696.595
- - - - - - - - - -
10.730.245 4.048.875 9.668.281 4.724.078 29.171.479 8.523.932 3.023.177 7.641.664 3.671.827 22.860.600
1.824.537 656.844 2.039.978 651.040 5.172.399 1.639.245 551.215 1.752.492 511.415 4.454.367
1.830.086 3.522.743 579.429 796.068 6.728.326 1.796.535 2.985.069 661.298 871.067 6.313.969
- - - - - - - - - -
1.661.232 312.964 767.517 360.431 3.102.144 1.135.997 304.828 633.020 297.446 2.371.291
- - - - - 0 0 0 -
33.348.349 10.375.830 14.147.221 7.227.386 65.098.786 29.260.695 7.598.437 11.221.747 5.628.889 53.709.768
E 'LVFORVXUH RI 1HW 5HFHLYDEOH E\ 5HJLRQ ² %DQN

&RQVROLGDWHG7DEOHE(Rp Million)
7DJLKDQ%HUVLK%HUGDVDUNDQ6LVD-DQJND:LOD\DK 7DJLKDQ%HUVLK%HUGDVDUNDQ6LVD-DQJND:LOD\DK
Net Receivable Based on Region Net Receivable Based on Region
:LOD\DK :LOD\DK :LOD\DK :LOD\DK Total :LOD\DK :LOD\DK :LOD\DK :LOD\DK Total
Region 1 Region 2 Region 3 Region 4 Region 1 Region 2 Region 3 Region 4
(3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
15.102.966 587.680 15.690.646 14.046.642 208.144 1.231 - 14.256.017
178.956 - 12.877 - 191.833 567.788 - 9.104 - 576.892
- - - - - - - - - -
1.729.303 174.064 107.737 63.680 2.074.784 2.201.136 82.686 62.757 42.230 2.388.809
1.225.455 1.072.660 971.402 632.089 3.901.606 567.550 443.318 460.181 234.904 1.705.953
- - - - - - - - - -
11.282.925 4.048.875 9.668.281 4.724.078 29.724.159 8.920.106 3.023.177 7.641.664 3.671.827 23.256.774
1.841.300 656.844 2.039.978 651.040 5.189.162 1.746.027 551.215 1.752.492 511.415 4.561.149
5.032.386 3.522.743 579.429 796.068 9.930.626 4.330.612 2.985.069 661.298 871.067 8.848.046
- - - - - - - - -
1.900.418 312.964 767.517 360.431 3.341.330 1.240.102 304.828 633.020 297.446 2.475.396
- - - - - - - -
38.293.709 10.375.830 14.147.221 7.227.386 70.044.146 33.619.963 7.598.437 11.221.747 5.628.889 58.069.036

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
MANAJEMEN RISIKO
F 3HQJXQJNDSDQ 7DJLKDQ %HUVLK %HUGDVDUNDQ

6LVD -DQJND :DNWX .RQWUDN ² %DQN VHFDUD
,QGLYLGXDO7DEHOD(Rp Juta)
7DJLKDQ%HUVLK%HUGDVDUNDQ6LVD-DQJND:DNWX.RQWUDN
Net Receivable Based on Contractual Maturity
< 1 tahun > 1 -3 tahun > 3-5 tahun > 5 tahun Non Total
< 1 year > 1 - 3 years > 3 - 5 years > 5 years Kontraktual
Non
Contractual
(1) (2) -
1 12.316.385 855.186 79.2280 13.963.851
2 Tagihan Kepada Entitas Sektor Publik 58.000 62.000 50.837 170.837
3 Tagihan Kepada Bank Pembangunan Multilateral dan -
Lembaga Internasional
4 Tagihan Kepada Bank 2.824.432 33.8736 35.3478 14.108 3.530.754
5 Kredit Beragun Rumah Tinggal 11.250 16.8471 316.499 3.902.477 4.398.697
6 Kredit Beragun Properti Komersial -
7 Kredit Pegawai/Pensiunan 25.0343 2.186.565 54.45.623 26.007.119 33.889.650
8 Tagihan Kepada Usaha Mikro, Usaha Kecil dan 899.650 2.433.225 510.843 31.158 3.874.876
Portofolio Ritel/
9 Tagihan kepada Korporasi 2.498.837 1.598.006 191.955 2.076.883 6.365.681
10 Tagihan yang Telah Jatuh Tempo -
11 Aset Lainnya 3.231.698 3.231.698
12 Eksposur di Unit Usaha Syariah (apabila ada
Total 22.090.595 7.642.189 7.661.515 32.031.745 69.426.044
G 3HQJXQJNDSDQ 7DJLKDQ %HUVLK %HUGDVDUNDQ

6LVD -DQJND :DNWX .RQWUDN ² %DQN VHFDUD
.RQVROLGDVL GHQJDQ 3HUXVDKDDQ $QDN 7DEHO
2.2.b) (Rp Juta)
Non
Contractual
(1) (2) -
1 Tagihan Kepada Pemerintah 12.524.675 855.186 792.280 - - 14.172.141
2 Tagihan Kepada Entitas Sektor Publik 58.000 62.000 50.837 - - 170.837
3 Tagihan Kepada Bank Pembangunan Multilateral dan - - - - - -
4 Tagihan Kepada Bank 2.220.034 338.736 353.478 14.108 - 2.926.356
5 Kredit Beragun Rumah Tinggal 11.250 168.471 316.499 3.902.478 - 4.398.698
6 Kredit Beragun Properti Komersial - - - - - -
7 Kredit Pegawai/Pensiunan 250.343 2.186.565 5.445.623 26.007.120 - 33.889.651
8 Tagihan Kepada Usaha Mikro, Usaha Kecil dan 1.648.599 4.155.924 2.579.158 31.158 - 8.414.839
Portofolio Ritel/
9 Tagihan kepada Korporasi 2.503.691 1.598.006 191.955 2.076.883 - 6.370.535
10 Tagihan yang Telah Jatuh Tempo - - - - - -
11 Aset Lainnya 3.271.571 - - - - 3.271.571
12 Eksposur di Unit Usaha Syariah (apabila ada - - - - - -
Total 22.488.163 9.364.888 9.729.830 32.031.747 73.614.628

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
339
RISK MANAGEMENT
F 'LVFORVXUH RI 1HW 5HFHLYDEOH E\ 5HPDLQLQJ

0DWXULW\ RI WKH &RQWUDFW ² %DQN 2QO\
'HVHPEHU'HFHPEHU 3RUWIROLR&DWHJRU\
Non
Contractual
(3) (4) (5) (6) (7) (8) (2)
- - - 587.681 587.681 Claims on Government/Sovereign
- - - - - Claims on Public Sector Entities
76.389 53.678 154.875 16.983 301.926 Claims on Multilateral Development Banks
- - - 12.877 12.877 Claims on Banks
2.784.557 1.734.250 496.530 1.028.979 6.044.316 Claims Secured by Residential Property
658.004 3.598.044 873.937 42.415 5.172.399 Claims Secured by Commercial Real Estate
319 4.675 8.719 87.274 100.987 Claims on Pension Loans
- 333 475 8.124 8.932 Claims on Micro, Small, and Retail Portfolio
5.883 103.449 317.482 3.355.260 3.782.075 Claims on Corporate

305.749 1.848.953 4.551.042 22.465.736 29.171.479 Claims on Past Due Exposures
- Other Assets
- Sharia Exposures (if any)
3.830.901 7.343.383 6.403.058 27.605.328 45.182.671 Total
G 'LVFORVXUH RI 1HW 5HFHLYDEOH E\ 5HPDLQLQJ

0DWXULW\ RI WKH &RQWUDFW ² %DQN &RQVROLGDWHG
(Table 2.2.b) (Rp Million)
Non
Contractual
(3) (4) (5) (6) (7) (8) (2)
- 134 - 587.681 - 587.815 Claims on Government/Sovereign
13.466 197.032 62.613 - - 273.111 Claims on Public Sector Entities
76.389 53.678 154.875 16.983 - 301.926 Claims on Multilateral Development Banks
21.256 111.130 97.230 75.625 - 305.241 Claims on Banks
3.325.229 1.971.003 684.134 1.161.266 - 7.141.632 Claims Secured by Residential Property
873.020 3.946.375 1.395.698 1.022.826 - 7.237.918 Claims Secured by Commercial Real Estate
319 4.675 8.719 87.274 - 100.987 Claims on Pension Loans
- 333 475 8.124 - 8.932 Claims on Micro, Small, and Retail Portfolio
5.883 103.449 317.482 3.355.260 - 3.782.075 Claims on Corporate

305.749 1.848.953 4.551.042 22.465.736 - 29.171.479 Claims on Past Due Exposures
- Other Assets
4.621.311 8.236.763 7.272.266 28.780.774 48.911.115 Total

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
MANAJEMEN RISIKO
H 3HQJXQJNDSDQ 7DJLKDQ %HUVLK %HUGDVDUNDQ

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(Tabel 2.3.a) (Rp Juta)
No Sektor Ekonomi 7DJLKDQ 7DJLKDQ 7DJLKDQ 7DJLKDQ .UHGLW%HUDJXQ .UHGLW%HUDJXQ
.HSDGD .HSDGD(QWLWDV .HSDGD%DQN .HSDGD%DQN 5XPDK7LQJJDO 3URSHUWL
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Claims on /Claims on Multilateral Banks by Residential /Claims Secured
Government/ Public Sector GDQ/HPEDJD Property by Commercial
Sovereign Entities Internasional Real Estate
/Claims on
Multilateral
Development
Banks and
International
Entities
(1) (2) (3) (4) (5) (6) (7) (8)
Posisi Tanggal Laporan
1 Pertanian, perburuan dan Kehutanan - - - 60.803 - -
2 Perikanan
3 Pertambangan dan Penggalian - - - - - -
4 Industri pengolahan 792.280 - - 2.437 - -
5 Listrik, Gas dan Air - 10.837 - - - -
6 Konstruksi - - - 3.138 - -
7 Perdagangan besar dan eceran - - - 76.230 - -
8 Penyediaan akomodasi dan penyediaan makan minum
9 Transportasi, pergudangan dan komunikasi - - - - - -
10 Perantara keuangan - - - 2.927.781 - -
11 Real estate, usaha persewaan dan jasa perusahaan
12 Administrasi Pemerintahan, pertahanan dan jaminan sosial
wajib
13 Jasa pendidikan
14 Jasa kesehatan dan kegiatan sosial - - - 49.004 - -
15 Jasa kemasyarakatan, sosial budaya, hiburan dan - - - 411.360 19.732 -
perorangan lainnya
16 Jasa perorangan yang melayani rumah tangga
17 Badan internasional dan badan ekstra internasional lainnya
18 Kegiatan yang belum jelas batasannya
19 Bukan Lapangan Usaha
20 Lainnya 13.171.571 160.000 - - 4.378.964 -
Total 13.963.851 170.837 - 3.530.753 4.398.696 -
Posisi Tanggal Laporan Tahun Sebelumnya
1 Pertanian, perburuan dan Kehutanan - - - - - -
2 Perikanan - - - - - -
4 Industri pengolahan 587.681 - - - - -
6 Konstruksi - - - 1.914 - -
8 Penyediaan akomodasi dan penyediaan makan minum - - - - - -
10 Perantara keuangan - - - - - -
11 Real estate, usaha persewaan dan jasa perusahaan - - - 146.779 20.104 -
12 Administrasi Pemerintahan, pertahanan dan jaminan sosial - - - - - -
wajib
13 Jasa pendidikan - - - 141 - -
14 Jasa kesehatan dan kegiatan sosial - - - - - -
15 Jasa kemasyarakatan, sosial budaya, hiburan dan - - - 27.282 - -
perorangan lainnya
16 Jasa perorangan yang melayani rumah tangga - - - - - -
17 Badan internasional dan badan ekstra internasional lainnya - - - - - -
18 Kegiatan yang belum jelas batasannya - - - - 12 -
19 Bukan Lapangan Usaha - - - - - -
20 Lainnya 14.658.566 178.956 - 1.797.635 3.871.878 -
Total 15.246.247 191.833 2.025.713 3.891.994

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
341
RISK MANAGEMENT
H 'LVFORVXUHRI1HW5HFHLYDEOHE\(FRQRPLF6HFWRU
%DQN2QO\7DEOHD(Rp Million)
.UHGLW 7DJLKDQ 7DJLKDQ 7DJLKDQ<DQJ Aset Lainnya (NVSRVXUGL (FRQRPLF6HFWRU

Pegawai/ .HSDGD8VDKD .HSDGD 7HODK-DWXK /Other Assets 8QLW8VDKD
Pensiunan 0LNUR8VDKD .RUSRUDVL 7HPSR 6\DULDK
/Claims on .HFLOGDQ /Claims on /Claims on Past DSDELODDGD
Pension Loans Portofolio Corporates Due Exposures /Sharia
Ritel Exposures (if
/Claims on any)
Micro, Small,
and Retail
Portfolio
(9) (10) (11) (12) (13) (14) (2)

Position Date of Report
- 332.425 423.810 - - Agricultures, Hunting and Forestry
Fisheries
- 718 43.724 - - Mining and Quarrying
- 313.172 355.482 - - Processing industry
- 1.224 271.793 - - Electricity, Gas and Water
- 11.778 2.452.415 - - Construction
- 2.740.294 702.706 - - Big and Retail Trade
Provision of Accommodation and Food Supply Drinking
- 11.691 200.683 - - Transportation, Warehousing and Communications
- - - - - Transitional Finance
Real Estate, Rental Business, and Services Company
Government Administration, the Defence and Compulsory Social Security
Education Services
- 92.250 34.185 - - Health and Social Services
- 371.323 1.147.471 - - Community, Sociocultural, Entertainment and Other Individual Services
Individual Services which Serve Households

Extra Agency International Agency and Other International
#VTJOFTT"DUJWJUJFTXIJDIBSF/PU$MFBSMZ%FmOFE
Credit Recipients Non Industrial Origin
33.889.651 - 733.412 - 3.231.698 Others
33.889.651 3.874.875 6.365.681 - 3.231.698 - Total
Position Date of Report Year Previous
- 205.241 13.781 Agricultures, Hunting and Forestry
- 44.981 7.291 Fisheries
622 5.050 92.712 Mining and Quarrying
- 403.209 276.230 Processing industry
- 1.663 287.145 Electricity, Gas and Water
- 24.146 1.855.967 Construction
- 3.692.789 809.263 Big and Retail Trade
- 23.990 59.956 Provision of Accommodation and Food Supply Drinking
- 15.783 232.826 Transportation, Warehousing and Communications
- 1.055 - Transitional Finance
- 451.619 1.873.822 Real Estate, Rental Business, and Services Company
- - - Government Administration, the Defence and Compulsory Social Security
- 23.596 44.648 Education Services

- - - Health and Social Services
- 119.543 18.350 Community, Sociocultural, Entertainment and Other Individual Services
- - - Individual Services which Serve Households

- - - Extra Agency International Agency and Other International
- - - #VTJOFTT"DUJWJUJFTXIJDIBSF/PU$MFBSMZ%FmOFE
- - - Credit Recipients Non Industrial Origin
29.170.857 159.734 1.380.587 - 3.102.144 - Others
29.171.479 5.172.399 6.952.578 3.102.144 Total

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
MANAJEMEN RISIKO
I 3HQJXQJNDSDQ 7DJLKDQ %HUVLK %HUGDVDUNDQ

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No Sektor Ekonomi 7DJLKDQ 7DJLKDQ 7DJLKDQ 7DJLKDQ .UHGLW%HUDJXQ .UHGLW%HUDJXQ
.HSDGD .HSDGD(QWLWDV .HSDGD%DQN .HSDGD%DQN 5XPDK7LQJJDO 3URSHUWL
3HPHULQWDK Sektor Publik Pembangunan /Claims on /Claims Secured Komersial
Claims on /Claims on Multilateral Banks by Residential /Claims Secured
Government/ Public Sector GDQ/HPEDJD Property by Commercial
Sovereign Entities Internasional Real Estate
/Claims on
Multilateral
Development
Banks and
International
Entities
(1) (2) (3) (4) (5) (6) (7) (8)
Posisi Tanggal Laporan
1 Pertanian, perburuan dan Kehutanan - - - 60.803 - -
2 Perikanan - - - - - -
4 Industri pengolahan 792.280 - - 2.437 - -
6 Konstruksi - - - 3.138 - -
8 Penyediaan akomodasi dan penyediaan makan minum - - - - - -
10 Perantara keuangan - - - 2.323.384 - -
11 Real estate, usaha persewaan dan jasa perusahaan - - - - - -
wajib
13 Jasa pendidikan - - - - - -
14 Jasa kesehatan dan kegiatan sosial - - - 49.004 - -
15 Jasa kemasyarakatan, sosial budaya, hiburan dan - - - 411.360 19.732 -
perorangan lainnya
18 Kegiatan yang belum jelas batasannya - - - - - -
20 Lainnya 13.379.861 160.000 - - 4.378.966 -
Total 14.172.141 170.837 - 2.926.356 4.398.698 -
Posisi Tanggal Laporan Tahun Sebelumnya
1 Pertanian, perburuan dan Kehutanan - 3.286 - 2 - -
2 Perikanan - - - - - -
3 Pertambangan dan Penggalian - 5.240 - - - -
4 Industri pengolahan 1 1.980 - - - -
5 Listrik, Gas dan Air - - - - - -
6 Konstruksi - 94 - - - -
7 Perdagangan besar dan eceran - - - - - -
8 Penyediaan akomodasi dan penyediaan makan minum - 218 - - - -
9 Transportasi, pergudangan dan komunikasi - - - 16 - -
10 Perantara keuangan - - - - - -
11 Real estate, usaha persewaan dan jasa perusahaan 133 232.686 - 273.095 - -
wajib
13 Jasa pendidikan - 31.932 - - - -
14 Jasa kesehatan dan kegiatan sosial - 6.618 - - - -
15 Jasa kemasyarakatan, sosial budaya, hiburan dan - 10.100 - - - -
perorangan lainnya
18 Kegiatan yang belum jelas batasannya - - - - - -
20 Lainnya 16.121.861 (100.321) - 1.801.671 3.901.606 -
Total 16.121.995 191.833 2.074.784 3.901.606

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
343
RISK MANAGEMENT
I 'LVFORVXUH RI 1HW 5HFHLYDEOH E\

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(Table 2.3.b) (Rp Million)
.UHGLW 7DJLKDQ 7DJLKDQ 7DJLKDQ<DQJ Aset Lainnya (NVSRVXUGL (FRQRPLF6HFWRU
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Pension Loans Portofolio Corporates Due Exposures /Sharia
Ritel Exposures (if
/Claims on any)
Micro, Small,
and Retail
Portfolio
(9) (10) (11) (12) (13) (14) (2)

Position Date of Report
- 367.801 423.810 - - - Agricultures, Hunting and Forestry
- - - - - - Fisheries
- 25.696 43.724 - - - Mining and Quarrying
- 425.752 355.482 - - - Processing industry
- 56.390 271.793 - - - Electricity, Gas and Water
- 340.594 2.457.269 - - - Construction
- 3.071.501 702.706 - - - Big and Retail Trade
- - - - - - Provision of Accommodation and Food Supply Drinking
- 301.812 200.683 - - - Transportation, Warehousing and Communications
- - - - - - Transitional Finance
- - - - - - Real Estate, Rental Business, and Services Company
- - - - - - Government Administration, the Defence and Compulsory Social Security
- - - - - - Education Services
- 343.965 34.185 - - - Health and Social Services
- 1.209.529 1.147.471 - - - Community, Sociocultural, Entertainment and Other Individual Services
- - - - - - Individual Services which Serve Households

- - - - - - Extra Agency International Agency and Other International
- - - - - - #VTJOFTT"DUJWJUJFTXIJDIBSF/PU$MFBSMZ%FmOFE
- - - - - - Credit Recipients Non Industrial Origin
33.889.651 2.271.799 733.412 - 3.271.571 - Others
33.889.651 8.414.839 6.370.535 - 3.271.571 - Total
Position Date of Report Year Previous
- 15.669 3.457 - - - Agricultures, Hunting and Forestry
- 3.995 - - - - Fisheries
- 9.946 19.707 - - - Mining and Quarrying
- 25.563 153.788 - - - Processing industry
- 556 59.119 - - - Electricity, Gas and Water
- 5.007 213.117 - - - Construction
- 196.783 1 - - - Big and Retail Trade
- 114.339 105.707 - - - Provision of Accommodation and Food Supply Drinking
- 2.493 136.971 - - - Transportation, Warehousing and Communications
- - - - - - Transitional Finance
- 252.281 395.045 - - - Real Estate, Rental Business, and Services Company
- - - - - - Government Administration, the Defence and Compulsory Social Security
- 1.367 224 - - - Education Services

- 9.735 51.820 - - - Health and Social Services
- 5.104 2.303 - - - Community, Sociocultural, Entertainment and Other Individual Services
- - - - - - Individual Services which Serve Households

- - - - - - Extra Agency International Agency and Other International
- - - - - - #VTJOFTT"DUJWJUJFTXIJDIBSF/PU$MFBSMZ%FmOFE
- - - - - - Credit Recipients Non Industrial Origin
29.724.159 4.546.324 9.070.302 - 3.341.330 - Others
29.724.159 5.189.162 10.211.561 3.341.330 Total

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
MANAJEMEN RISIKO
J 3HQJXQJNDSDQ 7DJLKDQ GDQ 3HQFDGDQJDQ

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1 Tagihan 35.969.158 11.088.140 14.513.875 7.854.874 69.426.047
2 Tagihan yang mengalami penurunan nilai (impaired ) -
a. Belum jatuh tempo 421.929 310.251 595.782 176.293 1.504.255
b. Telah jatuh tempo -
3 Cadangan kerugian penurunan nilai (CKPN) - Individual 126.738 171.325 86.761 166.767 551.591
4 Cadangan kerugian penurunan nilai (CKPN) - Kolektif 328.135 65.625 469.443 125.494 988.697
5 Tagihan yang dihapus buku 57.165 39.362 76.242 26.124 -
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2 Tagihan yang mengalami penurunan nilai (impaired ) - - - - -
a. Belum jatuh tempo 678.998 310.251 595.782 176.293 1.761.324
b. Telah jatuh tempo - - - - -
3 Cadangan kerugian penurunan nilai (CKPN) - Individual 126.738 171.325 86.761 166.767 551.591
4 Cadangan kerugian penurunan nilai (CKPN) - Kolektif 328.135 65.625 469.443 125.494 988.697
5 Tagihan yang dihapus buku 57.165 39.362 76.242 26.124 -

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
345
RISK MANAGEMENT
J 'LVFORVXUH RI 5HFHLYDEOH DQG $OORZDQFH E\

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14.916.215 10.020.308 13.308.486 6.864.598 45.109.607 Receivables
- Impaired Receivables
365.878 269.294 379.390 262.498 1.277.060 a. Non Past Due
- b. Past Due
92.561 195.842 98.008 102.803 489.214 Allowance for Impairment Losses - Individual
203.543 54.318 193.228 77.022 528.111 Allowance for Impairment Losses - Collective
83.811 29.567 138.634 18.940 270.952 Claims written off
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15.388.069 7.264.692 10.324.151 5.353.081 38.329.993 Receivables
- - - - - Impaired Receivables
305.727 219.965 235.816 83.572 845.080 a. Non Past Due
- - - - - b. Past Due
46.474 156.490 104.013 24.331 331.308 Allowance for Impairment Losses - Individual
171.939 40.315 90.252 46.979 349.485 Allowance for Impairment Losses - Collective
135.018 26.843 133.670 60.102 355.633 Claims written off

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
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Previous
1 Pertanian, Perburuan dan Kehutanan 817.037 111.114 56.762 96.585 13.732 $JULFXOWXUHV+XQWLQJDQG)RUHVWU\
2 Perikanan 1.598 )LVKHULHV
3 Pertambangan dan Penggalian 44.443 1.025 5.635 1.004 2.539 0LQLQJDQG4XDUU\LQJ
4 Industri Pengolahan 1.463.370 93.733 64581 81931 45.734 3URFHVVLQJLQGXVWU\
5 Listrik, Gas dan Air 283.855 230 171 244 4 (OHFWULFLW\*DVDQG:DWHU
6 Konstruksi 2.467.331 71.607 125.762 18.042 11.386 &RQVWUXFWLRQ
7 Perdagangan Besar dan Eceran 3.519.230 773.646 75.754 637.340 122.101 %LJDQG5HWDLO7UDGH
8 Penyediaan Akomodasi dan - 3URYLVLRQRI$FFRPPRGDWLRQDQG
Penyediaan Makan Minum )RRG6XSSO\'ULQNLQJ
9 Transportasi, Pergudangan dan 212.375 136.752 9.755 3.202 89 7UDQVSRUWDWLRQ:DUHKRXVLQJDQG
Komunikasi &RPPXQLFDWLRQV
10 Perantara Keuangan 2.927.781 4.298 4.298 - - 7UDQVLWLRQDO)LQDQFH
11 Real Estate, Usaha Persewaan dan - 5HDO(VWDWH5HQWDO%XVLQHVVDQG
Jasa Perusahaan 6HUYLFHV&RPSDQ\
12 Administrasi Pemerintahan, - *RYHUQPHQW$GPLQLVWUDWLRQWKH
Pertahanan dan Jaminan Sosial Wajib 'HIHQFHDQG&RPSXOVRU\6RFLDO
Security
13 Jasa Pendidikan - (GXFDWLRQ6HUYLFHV
14 Jasa Kesehatan dan Kegiatan Sosial 175.440 19.089 7693 14305 - +HDOWKDQG6RFLDO6HUYLFHV
15 Jasa Kemasyarakatan, Sosial 1.949.887 108.774 148976 36783 - &RPPXQLW\6RFLRFXOWXUDO
Budaya, Hiburan dan Perorangan (QWHUWDLQPHQWDQG2WKHU,QGLYLGXDO
Lainnya 6HUYLFHV
16 Jasa Perorangan yang Melayani - ,QGLYLGXDO6HUYLFHVZKLFK6HUYH
Rumah Tangga +RXVHKROGV
17 Badan Internasional dan Badan - ([WUD$JHQF\,QWHUQDWLRQDO$JHQF\
Ekstra Internasional Lainnya DQG2WKHU,QWHUQDWLRQDO
18 Kegiatan yang Belum Jelas - %XVLQHVV$FWLYLWLHVZKLFKDUH1RW
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19 Bukan Lapangan Usaha - &UHGLW5HFLSLHQWV1RQ,QGXVWULDO2ULJLQ
20 Lainnya 55.565.296 183.987 68281 131167 1.711 2WKHUV
Total 69.426.045 1.504.255 - 567.668 1.020.603 198.894 Total
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Sebelumnya Previous
1 Pertanian, Perburuan dan Kehutanan 216.826 44.040 - 11.250 26.470 13.732 Agricultures, Hunting and Forestry
2 Perikanan 50.955 6.732 - - 4.831 1.598 Fisheries
3 Pertambangan dan Penggalian 100.328 9.493 - 3.753 3.069 2.539 Mining and Quarrying
4 Industri Pengolahan 1.292.551 124.656 - 66.321 42.340 45.734 Processing industry
5 Listrik, Gas dan Air 301.569 137 - 240 668 4 Electricity, Gas and Water
6 Konstruksi 1.933.505 104.818 - 81.536 21.616 11.386 Construction
7 Perdagangan Besar dan Eceran 4.518.638 562.488 - 103.722 316.918 183.234 Big and Retail Trade
8 Penyediaan Akomodasi dan 82.260 60.370 - 20 9.071 - Provision of Accommodation and
Penyediaan Makan Minum Food Supply Drinking
9 Transportasi, Pergudangan dan 247.898 16.899 - 4.558 3.698 89 Transportation, Warehousing and
Komunikasi Communications
10 Perantara Keuangan 1.027 100 - - 72 - Transitional Finance
11 Real Estate, Usaha Persewaan dan 2.571.744 160.714 - 113.710 44.655 92.081 Real Estate, Rental Business, and
Jasa Perusahaan Services Company
12 Administrasi Pemerintahan, - - - - - - Government Administration, the
Pertahanan dan Jaminan Sosial Wajib Defence and Compulsory Social
Security
13 Jasa Pendidikan 68.193 4.211 - 1.152 2.916 - Education Services
14 Jasa Kesehatan dan Kegiatan Sosial - - - - 689 - Health and Social Services

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
347
RISK MANAGEMENT
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15 Jasa Kemasyarakatan, Sosial 168.832 13.414 - 6.971 5.171 10.661 Community, Sociocultural,
Budaya, Hiburan dan Perorangan Entertainment and Other Individual
Lainnya Services
16 Jasa Perorangan yang Melayani - - - - - - Individual Services which Serve
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17 Badan Internasional dan Badan - - - - - - Extra Agency International Agency
Ekstra Internasional Lainnya and Other International
18 Kegiatan yang Belum Jelas 12 - - - - - Business Activities which are Not
Batasannya $MFBSMZ%FmOFE
19 Bukan Lapangan Usaha - - - - - - Credit Recipients Non Industrial
Origin
20 Lainnya - 235.985 - 96.102 110.215 1.711 Others
Total 11.554.338 1.344.057 489.335 592.399 362.769 Total
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2 Perikanan - 1.598 )LVKHULHV
3 Pertambangan dan Penggalian 69.420 1.025 5.635 1.004 2.539 0LQLQJDQG4XDUU\LQJ
4 Industri Pengolahan 1.575.951 93.733 64.581 81.931 45.734 3URFHVVLQJLQGXVWU\
5 Listrik, Gas dan Air 339.020 230 171 244 4 (OHFWULFLW\*DVDQG:DWHU
6 Konstruksi 2.801.001 71.607 125.762 18.042 11.386 &RQVWUXFWLRQ
7 Perdagangan Besar dan Eceran 3.850.437 773.646 75.754 637.340 122.101 %LJDQG5HWDLO7UDGH
8 Penyediaan Akomodasi dan - - 3URYLVLRQRI$FFRPPRGDWLRQDQG
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9 Transportasi, Pergudangan dan 502.495 136.752 9.755 3.202 89 7UDQVSRUWDWLRQ:DUHKRXVLQJDQG
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10 Perantara Keuangan 2.323.384 4.298 4.298 - - 7UDQVLWLRQDO)LQDQFH
11 Real Estate, Usaha Persewaan dan - - 5HDO(VWDWH5HQWDO%XVLQHVVDQG
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12 Administrasi Pemerintahan, - - *RYHUQPHQW$GPLQLVWUDWLRQWKH
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14 Jasa Kesehatan dan Kegiatan Sosial 427.154 19.089 7.693 14.305 - +HDOWKDQG6RFLDO6HUYLFHV
15 Jasa Kemasyarakatan, Sosial 2.788.092 108.774 148.976 36.783 - &RPPXQLW\6RFLRFXOWXUDO
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17 Badan Internasional dan Badan - - ([WUD$JHQF\,QWHUQDWLRQDO$JHQF\
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20 Lainnya 58.085.260 441.056 68.281 131.167 1.711 2WKHUV
Total 73.614.628 1.761.324 567.668 1.020.603 198.894 Total
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1 Pertanian, Perburuan dan Kehutanan 239.762 44.040 - 11.250 26.470 13.732 Agricultures, Hunting and Forestry
2 Perikanan 55.058 6.732 - - 4.831 1.598 Fisheries
3 Pertambangan dan Penggalian 136.627 9.493 - 3.753 3.069 2.539 Mining and Quarrying
4 Industri Pengolahan 1.475.860 124.656 - 66.321 42.340 45.734 Processing industry
5 Listrik, Gas dan Air 361.857 137 - 240 668 4 Electricity, Gas and Water
6 Konstruksi 2.161.072 104.818 - 81.536 21.616 11.386 Construction
7 Perdagangan Besar dan Eceran 4.717.611 562.488 - 103.722 316.918 183.234 Big and Retail Trade
8 Penyediaan Akomodasi dan 309.972 60.370 - 20 9.071 - Provision of Accommodation and
Penyediaan Makan Minum Food Supply Drinking
9 Transportasi, Pergudangan dan 388.709 16.899 - 4.558 3.698 89 Transportation, Warehousing and
Komunikasi Communications
10 Perantara Keuangan 1.027 100 - - 72 - Transitional Finance
11 Real Estate, Usaha Persewaan dan 3.747.970 160.714 - 113.710 44.655 92.081 Real Estate, Rental Business, and
Jasa Perusahaan Services Company
12 Administrasi Pemerintahan, - - - - - - Government Administration, the
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Security
13 Jasa Pendidikan 102.064 4.211 - 1.152 2.916 - Education Services
14 Jasa Kesehatan dan Kegiatan Sosial 68.862 - - - 689 - Health and Social Services
15 Jasa Kemasyarakatan, Sosial 186.961 13.414 - 6.971 5.171 10.661 Community, Sociocultural,
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Lainnya Services
16 Jasa Perorangan yang Melayani - - - - - - Individual Services which Serve
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17 Badan Internasional Dan Badan - - - - - - Extra Agency International Agency
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18 Kegiatan yang Belum Jelas 12 - - - - - Business Activities which are Not
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19 Bukan Lapangan Usaha - - - - - - Credit Recipients Non Industrial
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20 Lainnya 56.803.006 235.985 - 96.102 110.215 1.711 Others
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Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
349
RISK MANAGEMENT
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1 Saldo awal CKPN/Beginning Balance - Allowance for Impairment Losses 489.214 528.111 331.308 271.641
2 Pembentukan (pemulihan) CKPN pada periode berjalan (Net)/Allowance/reversal for
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2.a Pembentukan CKPN pada periode berjalan/Additional allowance for Impairment 531.389 78.286 157.906 386.668
Losses during the year
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year
3 CKPN yang digunakan untuk melakukan hapus buku atas tagihan pada peride berjalan/ (43.028) (130.198)
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1 Saldo awal CKPN/Beginning Balance - Allowance for Impairment Losses 489.214 530.306 331.308 274.359
2 Pembentukan (pemulihan) CKPN pada periode berjalan (Net)/Allowance/reversal for
impairment losses during the year (Net)
2.a Pembentukan CKPN pada periode berjalan/Additional allowance for Impairment 531.389 191.114 157.906 386.145
Losses during the year
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year
3 CKPN yang digunakan untuk melakukan hapus buku atas tagihan pada peride berjalan/ (58.904) (130.198)
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4 Pembentukan (pemulihan) lainnya pada periode berjalan/Other allowance / reversal
during the year
- -
6DOGR$NKLU&.31(QGLQJ%DODQFH&.31 1.020.603 662.516 489.214 530.306

Pendahuluan
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(1) (2) (3) (4) (5) (6) (7)
1 Tagihan Kepada Pemerintah
2 Tagihan Kepada Entitas Sektor Publik 25.000 70.000 65.000
3 Tagihan Kepada Bank Pembangunan Multilateral dan
4 Tagihan Kepada Bank 322.138 516.376 955.784
5 Kredit Beragun Rumah Tinggal
6 Kredit Beragun Properti Komersial
7 Kredit Pegawai/Pensiunan
8 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio
Ritel
9 Tagihan kepada Korporasi
10 Tagihan yang Telah Jatuh Tempo
11 Aset Lainnya
12 Eksposur di Unit Usaha Syariah (apabila ada)
Total 347.138 586.376 1.020.784
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2 Tagihan Kepada Entitas Sektor Publik 143.276 35.680
4 Tagihan Kepada Bank 1.067.205 169.364
5 Kredit Beragun Rumah Tinggal
7 Kredit Pegawai/Pensiunan
8 Tagihan Kepada Usaha Mikro, Usaha Kecil
dan Portofolio Ritel
9 Tagihan kepada Korporasi - - -
11 Aset Lainnya
Total 1.210.481 205.044

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
351
RISK MANAGEMENT
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13,963,851 13,963,851 Claims on Government/Sovereign
10.837 170.837 Claims on Public Sector Entities
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1.736.455 3.530.753 Claims on Banks
4.398.697 4.398.697 Claims Secured by Residential Property
- Claims Secured by Commercial Real Estate
33.889.651 33.889.651 Claims on Pension Loans
3.874.876 3.874.876 Claims on Micro, Small, and Retail Portfolio
6.365.681 6.365.681 Claims on Corporate

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3.231.698 3.231.698 Other Assets
-
67.471.746 69.426.044 Total
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14.814.898 14.814.898 Claims on Government/Sovereign
- - 12.877 191.833 Claims on Public Sector Entities
- Claims on Multilateral Development Banks
- - - - - - 789.144 2.025.713 Claims on Banks
- - Claims Secured by Commercial Real Estate
- 6.728.326 6.728.326 Claims on Corporate

- - Claims on Past Due Exposures
3.102.144 3.102.144 Other Assets
63.683.261 65.098.786 Total

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
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3 Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional - - - -
4 Tagihan Kepada Bank - - - -
5 Tagihan Kepada Usaha Mikro dan Portofoio Ritel - - - -
6 Taguhan Kepada Korporasi - - - -
7 Eksposur di Unit Usaha Syariah (apabila ada) - - - -
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Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
353
RISK MANAGEMENT
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(7) (8) (9) (10) (2)
- - - - Claims on Government/Sovereign
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568.460 2.842 568 Claims on Banks
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568.460 2.842 568 Total
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568.460 2.842 568 Claims on Banks
- - - - Claims on Micro, Small, and Retail Portfolio
- - - - Claims on Corporates
- - - - Sharia Exposures (if any)
- - - -
568.460 2.842 568 Total

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
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MANAJEMEN RISIKO
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(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
A Eksposur Neraca
1 Tagihan Kepada Pemerintah 13.419.933

5 Kredit Beragun Rumah Tinggal 121.812 9.252 4.193.819
7 Kredit Pegawai/Pensiunan 33.964.317
8 Tagihan Kepada Usaha Mikro, Usaha Kecil dan 3.898.204

Portofolio Ritel
9 Tagihan kepada Korporasi 6.303.368
11 Aset Lainnya 2.727.805 505.217
Total Eksposur Neraca
B Eksposur Kewajiban Komitmen/Kontinjensi pada

Transaksi Rekening Administratif
1 Tagihan Kepada Pemerintah 220.189 930.578
2 Tagihan Kepada Entitas Sektor Publik 71

4 Tagihan Kepada Bank 105.598
5 Kredit Beragun Rumah Tinggal 82
7 Kredit Pegawai/Pensiunan 1
8 Tagihan Kepada Usaha Mikro, Usaha Kecil dan 152.296

Portofolio Ritel
9 Tagihan kepada Korporasi 1.258.760 75.356 296.146
Total Eksposur Rekening Administratif - - - - - - -
C Eksposur akibat Kegagalan Pihak Lawan
2 Tagihan Kepada Entitas Sektor Publik

4 Tagihan Kepada Bank - 571.302
5 Tagihan Kepada Usaha Mikro, Usaha Kecil dan

Portofolio Ritel
7RWDO(NVSRVXU&RXQWHUSDUW\&UHGLW5LVN 571.302

Introduction
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$PNQBOZ1SPmMF
Corporate Data
355
RISK MANAGEMENT
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RWA 0RGDO RWA 0RGDO
Capital 7DJLKDQ%HUVLK6HWHODK0HPSHUKLWXQJNDQ'DPSDN0LWLJDVL5LVLNR.UHGLW Capital
Expenses Net Receivable Risk Weighted after Credit Risk Mitigation Effect Expenses
Lainnya/

Others
(13) (14) (15) (16) (17) (18) (19) (20) (21) (22) (23) (24) (25) (26) (2)
Balance Sheet Exposure
- 14.814.898 - - - - - - - - - - Claims on Government / Sovereign
57.591 4.607 - - 191.833 - 52.934 4.235 Claims on Public Sector Entities
- - - - - - - Claims on Multilateral Development Banks and

International Entities
714.563 57.165 - 191.329 - 1.834.384 502.547 40.204 Claims on Banks
1.933.554 154.684 - - - 3.891.994 1.740.852 139.268 Claims Secured by Residential Property
- - - Claims Secured by Commercial Real Estate
16.982.159 1.358.573 - - - 29.171.479 14.585.740 1.166.859 Claims on Pension Loans
1.899.173 151.934 - 2.364.150 - 2.808.249 2.579.017 206.321 Claims on Micro, Small, and Retail Portfolio
4.805.121 384.410 9.027 2.511.887 - 4.207.412 4.709.789 376.783 Claims on Corporates
505.217 40.417 3.102.144 537.702 43.016 Other Assets
- - Sharia Exposures (if any)
26.897.377 2.151.790 14.823.925 5.067.366 - - - - - - - 1.976.686 Total Balance Sheet Exposures

45.207.495 24.708.581
- Commitment and Contingencies Liabilities

Exposures on Administrative Account
- - - - 431.349 - - Claims on Public Sector Entities
- - - Claims on Public Sector Entities
- - Claims on Multilateral Development Banks and

- - Claims on Micro, Small, and Retail Portfolio
- - Claims Secured by Residential Property
- - Claims on Pension Loans
163.144 2.039 224.252 - 224.252 17.940 Claims on Corporates
163.144 2.039 - - - - - - - 655.601 - - 224.252 17.940 Total Exposures on Administrative Account
- - Counter party Credit Risk
- - Claims on Public Sector Entities

568 45 Claims on Micro, Small, and Retail Portfolio
- - Claims on Corporates
568 45 7RWDO([SRVXUHV&RXQWHUSDUW\&UHGLW5LVN

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
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MANAJEMEN RISIKO
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Others
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
A Eksposur Neraca
1 Tagihan Kepada Pemerintah 14.621.677

5 Kredit Beragun Rumah Tinggal 227.099 9.252 4.193.819
7 Kredit Pegawai/Pensiunan 34.905.183
8 Tagihan Kepada Usaha Mikro, Usaha Kecil dan 4.079.415

Portofolio Ritel
9 Tagihan kepada Korporasi 9.903.313
11 Aset Lainnya 2.767.677 691.146
Total Eksposur Neraca
B Eksposur Kewajiban Komitmen/Kontinjensi pada

Transaksi Rekening Administratif
2 Tagihan Kepada Entitas Sektor Publik 71

5 Kredit Beragun Rumah Tinggal 82
7 Kredit Pegawai/Pensiunan 1
8 Tagihan Kepada Usaha Mikro, Usaha Kecil dan 152.296

Portofolio Ritel
9 Tagihan kepada Korporasi 1.258.760 75.356 424.540
Total Eksposur TRA

4 Tagihan Kepada Bank 571.302,3

Portofolio Ritel
7RWDO(NVSRVXU&RXQWHUSDUW\&UHGLW5LVN

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
357
RISK MANAGEMENT
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RWA 0RGDO RWA 0RGDO
Capital 7DJLKDQ%HUVLK6HWHODK0HPSHUKLWXQJNDQ'DPSDN0LWLJDVL5LVLNR.UHGLW Capital
Expenses Net Receivable Risk Weighted after Credit Risk Mitigation Effect Expenses
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Others
(13) (14) (15) (16) (17) (18) (19) (20) (21) (22) (23) (24) (25) (26) (2)
- 15.690.646 - - Claims on Government / Sovereign
57.591 4.607 191.833 52.934 4.235 Claims on Public Sector Entities
- - - - Claims on Multilateral Development Banks and

781.956 62.556 240.400 1.834.384 512.361 40.989 Claims on Banks
1.970.404 157.632 3.901.606 1.744.216 139.537 Claims Secured by Residential Property
- - - - Claims Secured by Commercial Real Estate
17.452.592 1.396.207 - - - 29.724.159 14.940.302 1.195.224 Claims on Pension Loans
2.035.082 162.807 - 2.364.150 - 2.825.012 2.593.266 207.461 Claims on Micro, Small, and Retail Portfolio
8.405.066 672.405 9.027 2.511.887 - 7.409.712 7.912.089 632.967 Claims on Corporates
- - - - Claims on Past Due Exposures
691.146 55.292 3.341.330 746.069 59.686 Other Assets
- - - - Sharia Exposures (if any)
31.393.835 2.511.507 15.699.673 5.116.437 - - - - - - - Total Balance Sheet Exposures

49.228.036 28.501.237
- Commitment and Contingencies Liabilities

Exposures on Administrative Account
- 431.349 - - Claims on Public Sector Entities
- - - Claims on Public Sector Entities
- - - Claims on Multilateral Development Banks and

- - - Claims on Micro, Small, and Retail Portfolio
- - - Claims Secured by Residential Property
- - - Claims Secured by Commercial Real Estate
- - - Claims on Pension Loans
- - - Claims on Micro, Small, and Retail Portfolio
227.341 18.187 280.935 280.935 22.475 Claims on Corporates
- - - Claims on Past Due Exposures
- - - Sharia Exposures (if any)
227.341 18.187 - - - - - - - 712.284 - - 280.935 22.475 Total Exposures on Administrative Account
- Counterparty Credit Risk

568,46 45 - Claims on Micro, Small, and Retail Portfolio
- - Claims on Corporates
568 45 7RWDO([SRVXUHV&RXQWHUSDUW\&UHGLW5LVN

Pendahuluan
Laporan Manajemen
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MANAJEMEN RISIKO
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A Eksposur Neraca
1 Tagihan Kepada Pemerintah 13.419.933 13.419.933 -
2 Tagihan Kepada Entitas Sektor Publik 172.673 - 172.673
4 Tagihan Kepada Bank 2.901.125 344.212 2.556.913
5 Kredit Beragun Rumah Tinggal 4.324.883 4.324.883
7 Kredit Pegawai/Pensiunan 33.964.317 33.964.317
8 Tagihan Kepada Usaha Mikro, Usaha Kecil dan 3.898.204 - 1.862.689 2.035.515
Portofolio Ritel
9 Tagihan kepada Korporasi 6.303.368 1.872.809 4.430.559
11 Aset Lainnya 3.233.022 3.233.022
12 Eksposur di Unit Usaha Syariah (apabila ada) -
Total Eksposur Neraca 68.217.525 - - 4.079.710 13.419.933 50.717.882
B Eksposur Rekening Administratif -
2 Tagihan Kepada Entitas Sektor Publik -
4 Tagihan Kepada Bank -
5 Kredit Beragun Rumah Tinggal -
7 Kredit Pegawai/Pensiunan -
8 Tagihan Kepada Usaha Mikro, Usaha Kecil dan -
Portofolio Ritel
9 Tagihan kepada Korporasi 163.144 163.144
Total Eksposur Rekening Administratif 628.433 - - - - 628.433
C Eksposur akibat Kegagalan Pihak Lawan -
1 Tagihan Kepada Pemerintah -
4 Tagihan Kepada Bank 571.302 571.302
Portofolio Ritel
6 Tagihan kepada Korporasi -
Total Eksposure Counterparty Credit Risk 571.302 - - - - 571.302
-
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Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
359
RISK MANAGEMENT
s. 'LVFORVXUH RI 1HW 5HFHLYHDEOH DQG &UHGLW 5LVN

Mitigation 7HFKQLTXH %DQN 2QO\ (Table 4.2.a)
(Rp Million)
7DJLKDQ %DJLDQ\DQJ'LMDPLQGHQJDQPortion Secured by %DJLDQ\DQJ7LGDN'LMDPLQ
%HUVLKNet Agunan/ Garansi/ Asuransi Lainnya Unsecured Portion
Receivable Collateral Guarantee NUHGLWCredit Others
Insurance
(9) (10) (11) (12) (13 (2)
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14.814.898 14.814.898 - Claims on Government / Sovereign
- Claims on Multilateral Development Banks and
2.025.713 191.329 1.834.384 Claims on Banks
5.172.399 2.364.150 2.808.249 Claims on Micro, Small, and Retail Portfolio
6.728.326 9.027 2.511.887 4.207.412 Claims on Corporates

3.102.144 3.102.144 Other Assets
65.098.786 9.027 - 5.067.366 14.814.898 45.207.495 Total Balance Sheet Exposures
Exposure Administrative Account
431.349 431.349 - Claims on Public Sector Entities
- Claims Secured by Residential Property
- Claims on Pension Loans
224.252 224.252 Claims on Corporates

655.601 - - - 431.349 224.252 Total Exposures on Administrative Account
- Counterparty Credit Risk
9.748.558 9.748.558 - Claims on Public Sector Entities
11.673.356 - - - 9.748.558 1.924.798 7RWDO([SRVXUHV&RXQWHUSDUW\&UHGLW5LVN
-
77.427.743 9.027 5.067.366 24.994.805 47.356.545 7RWDO$%&

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
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(1) (2) (3) (4) (5) (6) (7)
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A Eksposur Neraca
1 Tagihan Kepada Pemerintah 14.621.677 14.621.677
3 Tagihan Kepada Bank Pembangunan Multilateral dan - -
4 Tagihan Kepada Bank 3.238.089 344.212 2.893.877
5 Kredit Beragun Rumah Tinggal 4.430.170 4.430.170
7 Kredit Pegawai/Pensiunan 34.905.183 34.905.183
8 Tagihan Kepada Usaha Mikro, Usaha Kecil dan 4.079.415 1.862.689 2.216.726
Portofolio Ritel
9 Tagihan kepada Korporasi 9.903.313 1.872.809 8.030.504
11 Aset Lainnya 3.458.823 3.458.823
Total Eksposur Neraca 74.809.343 - - 4.079.710 - 70.729.633
B Eksposur Rekening Administratif
4 Tagihan Kepada Bank -
5 Kredit Beragun Rumah Tinggal -
7 Kredit Pegawai/Pensiunan -
Portofolio Ritel
9 Tagihan kepada Korporasi 227.341 227.341
Total Eksposur Rekening Administratif 692.630 - - - - 692.630
Portofolio Ritel
Total Eksposure Counterparty Credit Risk 571.302 - - - - -
7RWDO$%& 76.073.275 4.079.710 71.422.263

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
361
RISK MANAGEMENT
t. 'LVFORVXUHRI1HW5HFHLYHDEOHDQG05.7HFKQLTXH
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7DJLKDQ %DJLDQ\DQJ'LMDPLQGHQJDQ3RUWLRQ6HFXUHGE\ %DJLDQ\DQJ7LGDN'LMDPLQ
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Insurance
(9) (10) (11) (12) (13 (2)
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15.690.646 15.690.646 - Claims on Government / Sovereign
2.074.784 240.400 1.834.384 Claims on Banks
29.724.159 156.444 29.567.715 Claims on Pension Loans
9.930.626 9.027 2.511.887 7.409.712 Claims on Corporates

3.341.330 3.341.330 Other Assets
70.044.146 9.027 - 2.908.731 15.690.646 51.435.742 Total Balance Sheet Exposures
Exposure Administrative Account
431.349 431.349 - Claims on Public Sector Entities
- Claims Secured by Residential Property
- Claims on Pension Loans
280.935 280.935 Claims on Corporates

712.284 - - - 431.349 280.935 Total Exposures on Administrative Account
Counterparty Credit Risk
- - - - - - 7RWDO([SRVXUHV&RXQWHUSDUW\&UHGLW5LVN
-
70.756.430 9.027 2.908.731 16.121.995 51.716.677 7RWDO$%&

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
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MANAJEMEN RISIKO
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7DJLKDQ ATMR ATMR 7DJLKDQ ATMR ATMR
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before RWA after before RWA after
Credit Risk Credit Risk Credit Risk Credit Risk
Mitigation Mitigation Mitigation Mitigation
(1) (2) (3) (4) (5) (6) (7) (8)
1 Tagihan Kepada Pemerintah/Claims on Government/ 13.419.933 - - 14.814.898 - -
Sovereign
2 Tagihan Kepada Entitas Sektor Publik/Claims on Public 172.673 57.591 57.591 191.833 52.934 52.934
Sector Entities
3 Tagihan Kepada Bank Pembangunan Multilateral - - -
dan Lembaga Internasional/Claims on Multilateral
Development Banks and International Entities
4 Tagihan Kepada Bank/Claims on Banks 2.901.125 817.826 714.563 2.025.713 559.946 502.547
5 Kredit Beragun Rumah Tinggal/Claims Secured by 4.324.883 1.933.554 1.933.554 3.891.994 1.740.852 1.740.852
Residential Property
6 Kredit Beragun Properti Komersial/Claims Secured by - - -
Commercial Real Estate
7 Kredit Pegawai/ Pensiunan/Claims on Pension Loans 33.964.317 16.982.159 16.982.159 29.171.479 14.585.740 14.585.740
8 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio 3.898.204 2.923.653 1.899.173 5.172.399 3.879.299 2.579.017
Ritel/Claims on Micro, Small, and Retail Portfolio
9 Tagihan Kepada Korporasi/Claims on Corporate 6.303.368 6.303.368 4.805.121 6.728.326 6.728.326 4.709.789
10 Tagihan Yang Telah Jatuh Tempo/Claims on Past Due - - - - - -
Exposures
11 Aset Lainnya/Other Assets 3.233.022 - 505.217 3.102.144 - 537.702
Total 68.217.525 29.018.150 26.897.377 65.098.786 27.547.096 24.708.581
Y 3HUKLWXQJDQ $705 5LVLNR .UHGLW 3HQGHNDWDQ Y &DOFXODWLRQ RI 5LVN :HLJKWHG $VVHWV IRU &UHGLW
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3HUXVDKDDQ$QDN7DEHO(Rp Juta) &RQVROLGDWHG7DEOH(Rp Million)

(1) (2) (3) (4) (5) (6) (7) (8)
1 Tagihan Kepada Pemerintah/Claims on Government/ 14.621.677 15.690.646 - -
Sovereign
2 Tagihan Kepada Entitas Sektor Publik/Claims on Public 172.673 57.591 57.591 191.833 52.934 52.934
Sector Entities
4 Tagihan Kepada Bank/Claims on Banks 3.238.089 885.219 781.955 2.074.784 569.760 512.361
5 Kredit Beragun Rumah Tinggal/Claims Secured by 4.430.170 1.970.404 1.970.404 3.901.606 1.744.216 1.744.216
7 Kredit Pegawai/ Pensiunan/Claims on Pension Loans 34.905.183 17.452.592 17.452.592 29.724.159 14.862.080 14.940.302
8 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio 4.079.415 3.059.561 2.035.082 5.189.162 3.891.872 2.593.266
9 Tagihan Kepada Korporasi/Claims on Corporate 9.903.313 9.903.313 8.405.066 9.930.626 9.930.626 7.912.089
10 Tagihan Yang Telah Jatuh Tempo/Claims on Past Due - - -
Exposures
11 Aset Lainnya/Other Assets 3.458.823 691.146 3.341.330 - 746.069
Total 74.809.342 33.328.679 31.393.835 70.044.146 31.051.487 28.501.237

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
363
RISK MANAGEMENT
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(1) (2) (3) (4) (5) (6) (7) (8)
1 Tagihan Kepada Pemerintah/Claims on Government/ 465.289 - - 431.349 - -
Sovereign
2 Tagihan Kepada Entitas Sektor Publik/Claims on Public - - -
Sector Entities
4 Tagihan Kepada Bank/Claims on Banks - - -
5 Kredit Beragun Rumah Tinggal/Claims Secured by - - -
7 Kredit Pegawai/ Pensiunan/Claims on Pension Loans - - -
8 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio - - -
9 Tagihan Kepada Korporasi/Claims on Corporate 163.144 163.144 163.144 224.252 224.252 224.252
10 Tagihan Yang Telah Jatuh Tempo/Claims on Past Due - - -
Exposures
Total 628.433 163.144 163.144 655.601 224.252 224.252
[ 3HUKLWXQJDQ $705 5LVLNR .UHGLW 3HQGHNDWDQ [ &DOFXODWLRQ RI 5LVN :HLJKWHG $VVHWV IRU &UHGLW
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.RPLWPHQ.RQWLMHQVLSDGD7UDQVDNVL5HNHQLQJ RI &RPPLWPHQW&RQWLQJHQF\ 5HVSRQVLELOLW\
$GPLQVWUDWLI ² %DQN VHFDUD .RQVROLGDVL ([SRVXUHRQ$GPLQLVWUDWLYH$FFRXQW7UDQVDFWLRQ²
GHQJDQ3HUXVDKDDQ$QDN7DEHO(Rp Juta) %DQN&RQVROLGDWHG7DEOH(Rp Million)
(1) (2) (3) (4) (5) (6) (7) (8)
1 Tagihan Kepada Pemerintah/Claims on Government/ 465.289 - - 431.349 - -
Sovereign
2 Tagihan Kepada Entitas Sektor Publik/Claims on Public - - -
Sector Entities
4 Tagihan Kepada Bank/Claims on Banks - - -
5 Kredit Beragun Rumah Tinggal/Claims Secured by - - -
7 Kredit Pegawai/ Pensiunan/Claims on Pension Loans - - -
8 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio - - -
9 Tagihan Kepada Korporasi/Claims on Corporate 227.341 227.341 227.341 280.935 280.935 280.935
10 Tagihan Yang Telah Jatuh Tempo/Claims on Past Due 0 0 0
Exposures
Total 692.630 227.341 227.341 712.284 280.935 280.935

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
MANAJEMEN RISIKO
\ 3HUKLWXQJDQ $705 5LVLNR .UHGLW 3HQGHNDWDQ \ &DOFXODWLRQRI5LVN:HLJKWHG$VVHWVIRU&UHGLW5LVN

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1 Tagihan Kepada Pemerintah/Claims on Government/ 0 0 0 - - -

Sovereign
2 Tagihan Kepada Entitas Sektor Publik/Claims on Public 0 0 0 - - -

Sector Entities
3 Tagihan Kepada Bank Pembangunan Multilateral 0 0 0 - - -

4 Tagihan Kepada Bank/Claims on Banks 571.302,3 114.260.46 568,46 - - -
5 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio 0 0 0 - - -

6 Tagihan Kepada Korporasi/Claims on Corporate 0 0 0 - - -
Total 571.302.3 114.260,46 568,46
] 3HUKLWXQJDQ $705 5LVLNR .UHGLW 3HQGHNDWDQ ] &DOFXODWLRQ RI 5LVN :HLJKWHG $VVHWV IRU &UHGLW
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0HQLPEXONDQ 5LVLNR .UHGLW $NLEDW .HJDJDODQ RI ([SRVXUH 5HVXOWLQJ LQ &UHGLW 5LVN 'XH WR
3LKDN/DZDQCounterparty Credit Risk²%DQN &RXQWHUSDUW\)DLOXUH&RXQWHUSDUW\&UHGLW5LVN²
VHFDUD .RQVROLGDVL GHQJDQ 3HUXVDKDDQ $QDN %DQN&RQVROLGDWHG7DEOH(Rp Million)
(Tabel 6.2.3) (Rp Juta)
(1) (2) (3) (4) (5) (6) (7) (8)
1 Tagihan Kepada Pemerintah/Claims on Government/ 0 0 0 - - -

Sovereign
2 Tagihan Kepada Entitas Sektor Publik/Claims on Public 0 0 0 - - -

Sector Entities
3 Tagihan Kepada Bank Pembangunan Multilateral 0 0 0 - - -

4 Tagihan Kepada Bank/Claims on Banks 571.302,3 114.260,46 568,46 - - -
5 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio 0 0 0 - - -

6 Tagihan Kepada Korporasi/Claims on Corporate 0 0 0 - - -
Total 571302,3 114260,46 568,46

Introduction
Management Report
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Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
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dalam ketentuan Bank Indonesia mengenai in the Bank Indonesia regulations
prinsip-prinsip kehati-hatian dalam aktivitas concerning the principles of prudence in
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Introduction
Management Report
$PNQBOZ1SPmMF
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Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
MANAJEMEN RISIKO
B. Risiko Pasar B. Market Risk

Risiko Pasar adalah Risiko yang timbul atas portofolio Market risk is the risk arising on the portfolio over the
pada posisi neraca dan rekening administratif balance sheet position and administrative accounts
termasuk transaksi derivatif, akibat perubahan secara including derivative transactions, due to overall
keseluruhan dari kondisi pasar, termasuk Risiko changes in the market conditions, including the risk of
perubahan harga option. price changes in option.
Komponen risiko pasar meliputi : The components of the market risk include:
• Risiko Suku Bunga adalah risiko akibat perubahan • Interest rate risk is the risk due to changes in the
harga instrumen keuangan dari posisi Trading Book QSJDF PG mOBODJBM JOTUSVNFOUT GSPN UIF 5SBEJOH
yang disebabkan oleh pergerakan sensitivitas Book position caused by the risk factor movements
risiko (risk factor) pada setiap instrumen atau on any instrument or as a result of changes in the
akibat perubahan nilai ekonomis modal (Economic Economic Value of Equity of the bank from Banking
Value of Equity) bank dari aktivitas Banking Book Book activities caused by changes in interest
yang disebabkan oleh perubahan suku bunga. rates.
t ,MBTJmLBTJSJTJLPTVLVCVOHBNFODBLVQQVMBSJTJLP t $MBTTJmDBUJPOPGJOUFSFTUSBUFSJTLBMTPJODMVEFTUIF
suku bunga dari posisi Banking Book yang antara risk of interest rate from the Banking Book positions
lain meliputi repricing risk, yield curve risk, basis which include repricing risk, yield curve risk, basis
risk, dan optionality risk. risk, and optionality risk.
• Risiko Nilai Tukar adalah risiko akibat perubahan • Foreign Exchange Risk is the risk due to changes in
OJMBJQPTJTJUFSCVLBWBMVUBBTJOHLMBTJmLBTJTrading UIF5SBEJOH#PPLDMBTTJmDBUJPOPQFOQPTJUJPOWBMVF
Book atau akibat perubahan posisi Devisa Neto of foreign exchange or as a result of changes in
bank (Banking Book) yang disebabkan oleh the Net Open Position of the bank (Banking Book)
perubahan nilai tukar valuta asing. caused by changes in foreign currency exchange
rates.
Risiko pasar timbul dari pergerakan/perubahan tingkat The market risk arises from movements/ changes in
suku bunga dan/atau nilai tukar yang mempengaruhi interest rates and/or exchange rates which affect the
posisi keuangan bank khususnya terhadap rasio CBOLT mOBODJBM QPTJUJPO QBSUJDVMBSMZ UP DBQJUBM SBUJP
permodalan. Secara garis besar, manajemen risiko In general, market risk management is divided into 2
pasar terbagi menjadi 2 (dua) yaitu manajamen risiko (two), namely the trading book market risk management
pasar trading book dan manajemen risiko pasar and banking book market risk management. Sources
banking book. Sumber risiko pasar trading book timbul of trading book market risk arises from Dealing Room
dari aktivitas Dealing Room Divisi Treasuri akibat posisi book activities’ of the Treasury Division due to the open
terbuka bank yang terekspos pergerakan suku bunga positions of bank that are exposed to movements in
atau nilai tukar valuta asing. interest rates or foreign exchange rates.
Sumber risiko pasar banking book timbul antara lain Sources of banking book market risk arises partly due
disebabkan oleh perubahan stuktur portofolio neraca to the changes in the portfolio structure of the bank’s
dan rekening adminstratif bank yang sensitif terhadap balance sheets and administrative accounts that are
pergerakan suku bunga sehingga berdampak sensitive to interest rate movements impacting the net
terhadap pendapatan bunga bersih dan yang yang interest income and which are also due to changes
disebabkan pula karena perubahan struktur portofolio in the portfolio structure of the bank’s balance sheets
neraca dan rekening adminstratif bank yang sensitif and administrative accounts that are sensitive to
terhadap pergerakan nilaii tukar yang tercermin dari NPWFNFOUTJOFYDIBOHFSBUFTXIJDIJTSFnFDUFEJOUIF
Posisi Devisa Neto bank. Net Open Position of bank.

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
369
RISK MANAGEMENT
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Dewan Komisaris dan Direksi bertanggungjawab The Board of Commissioners and the Board of Directors
atas efektivitas penerapan Manajemen Risiko are responsible for the effective implementation of the
Pasar di Bank. Terkait wewenang dan tanggung Bank’s Market Risk Management. In relations to the
jawab pengawasan aktif Dewan Komisaris active supervision authority and responsibility of the
dan Direksi bank bjb, Dewan Komisaris dan Board of Commissioners and Board of Directors of
Direksi selalu memperoleh informasi yang jelas bank bjb, the Board of Commissioners and the Board
mengenai evaluasi dan penerapan manajemen of Directors always obtain clear information on the
risiko eksposur risiko pasar, pemantauan limit evaluation and implementation of risk management
secara harian serta langkah-langkah yang diambil of market risk exposure, supervision of limit on a daily
oleh Risk Taking Unit khususnya terkait adanya basis as well as steps employed by the Risk Taking
pelampauan limit. 6OJUTQFDJmDBMMZSFMBUFEUPUIFMFOEJOHMJNJU
Dalam pelaksanaan pengawasannya, Dewan In the implementation of its supervision, the Board
Komisaris dibantu oleh Komite Pemantau of Commissioners is assisted by the bank’s Risk
Risiko (KPR) bank secara berkala melakukan Monitoring Committee (RMC) periodically conduct
pengawasan melalui koordinasi dengan Satuan supervision in coordination with the Risk Management
Kerja Manajemen Risiko. Media koordinasi yang Unit. The coordination media utilized can be in the
digunakan dapat berupa laporan pemantauan form of risk monitoring reports by SKMR submitted
risiko oleh SKMR yang disampaikan kepada to the Risk Monitoring Committee or through the
Komite Pemantau Risiko ataupun melalui media of meetings between the two parties. In its
media rapat antara kedua belah pihak. Pada implementation, the meeting implemented generally
implementasinya, Pelaksanaan rapat yang discusses the implementation of risk management in
diadakan umumnya membahas penerapan bank bjb, concerning among others, the application
manajemen risiko di bank bjb menyangkut of market risk measurement of risk tolerance, material
diantaranya penerapan pengukuran risk tolerance SJTL QSPmMF EJTDVTTJPO BT XFMM BT UIF BEFRVBDZ BOE
SJTJLPQBTBS QFNCBIBTBOQSPmMSJTJLPZBOHCFSTJGBU evaluation of methodologies and/or market risk
material, serta kecukupan dan evaluasi metodologi measurement tools used by the Risk Management
dan/atau tools pengukuran risiko pasar yang Unit.
dipergunakan Satuan Kerja Manajemen Risiko.
Pengawasan yang dilakukan oleh Direksi adalah Supervision carried out by the Board of Directors is
melalui pemantauan penerapan limit Treasury through the monitoring of the implementation of the
secara berkala baik terjadi pelampauan limit Treasury limit periodically in the event of breach limit
(breach limit) maupun tidak terjadi pelampauan occurrences or not, and provide limit approval that
limit, dan melakukan persetujuan atas limit are new or after being amended. Discussions on the
yang bersifat baru ataupun setelah dilakukan management of the market risk related to interest rate
perubahan. Pembahasan tentang pengelolaan determination (pricing) and the structure of the bank’s
risiko pasar terkait penentuan tingkat suku assets and liabilities are carried at the ALCO (Asset
bunga (pricing) dan struktur aset & kewajiban & Liability Committee) Meeting, while discussions on
bank dilakukan dalam Rapat ALCO (Asset & the market risk exposures are discussed in the Risk
Liability Committee) sedangkan pembahasan Management Committee meetings. In line with the
eksposur risiko pasar dibahas dalam rapat Komite market risk management policies regarding the stages
Manajemen Risiko (Risk Management Committee). of escalation of limit breach, any limit breaches will
Sejalan dengan kebijakan manajemen risiko pasar be informed and approved in the event of abnormal

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
MANAJEMEN RISIKO
mengenai tahapan eskalasi pelampauan limit, conditions in the Risk Management Committee (RMC).
setiap pelampauan limit akan diinformasikan dan The management of the market risk is arranged in
disetujui apabila terjadi kondisi abnormal dalam the form of policies, procedures, risk limits, and other
Komite Manajemen Risiko (RMC). Pengelolaan decision results relating to the management of market
risiko pasar tersebut disusun ke dalam bentuk risk. The limit of the bank’s market risk and risk appetite
kebijakan, prosedur, limit risiko dan hasil are evaluated periodically or at any time deemed
keputusan lainnya terkait dengan pengelolaan needed to be evaluated in accordance with the bank’s
risiko pasar. Limit risiko pasar dan risk appetite changing business environment.
bank dievaluasi secara periodik atau sewaktu-
waktu diperlukan untuk dilakukan evaluasi sesuai
dengan perubahan lingkungan bisnis bank.
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Limit of Limit
Sebagai penerapan manajemen risiko pasar yang As an application of a dynamic market risk
bersifat dinamis, Satuan Kerja Manajemen Risiko management, the Risk Management Unit of the bank
bank melakukan pembaharuan dan evaluasi atas periodically updates and evaluates the policies
kebijakan dan pedoman manajemen risiko bank and guidelines of the bank’s risk management. The
secara berkala. Evaluasi pedoman pengukuran evaluation of the market risk limit measurement
limit risiko pasar oleh Satuan Kerja Manajemen guidelines by the Risk Management Unit are conducted
Risiko secara berkala dan dilakukan pembahasan periodically and discussions with the risk taking unit
dengan risk taking unit (Divisi Treasury) dan (Treasury Division) are subsequently submitted to the
selanjutnya akan diajukan kepada Direksi untuk Board of Directors for the approval of the intended
persetujuan atas pedoman dimaksud. guidelines.
Terkait dengan evaluasi penetapan limit Dealing Related to the Dealing Room Treasury and ALM limit
Room Treasury dan ALM yang diajukan oleh determination evaluation submitted by the Treasury
Divisi Treasury, Satuan Kerja Manajemen Risiko Division, the Risk Management Unit evaluates the
melakukan evaluasi terhadap limit tersebut dengan limits through methodologies that has been validated
metodologi yang telah disahkan dalam pedoman in the bank’s risk management guidelines. The limit
manajemen risiko bank. Limit untuk level portofolio for treasury portfolio level is evaluated at least once
treasury dievaluasi minimal satu tahun sekali a year or can be carried out more frequently in the
atau dapat dilakukan lebih sering jika terdapat event of market price volatile movements or changes
pergerakan volatilitas harga pasar atau perubahan in the business plan of the risk taking unit. The
business plan risk taking unit. Evaluasi analisa analysis evaluation shall at least contain background
tersebut sekurang-kurangnya memuat informasi information about limit changes, current conditions,
mengenai latar belakang perubahan limit, kondisi the basis of calculations in conducting limit changes,
saat ini, dasar perhitungan dalam melakukan compliance to the regulations and the impacts to the
perubahan limit, kepatuhan terhadap regulasi dan capital.
dampak terhadap modal.
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Sistem Informasi Manajemen Risiko Management Information System
Dalam melakukan penerapan Manajemen In conducting the implementation of Risk Management
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Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
371
RISK MANAGEMENT
pemantauan, dan pengendalian Risiko, serta monitoring, and controlling risks, as well as the Risk
sistem informasi Manajemen Risiko untuk Risiko Management information system for the Market Risk as
Pasar sebagaimana Surat Edaran Bank Indonesia stipulated in Bank Indonesia Circular Letter No. 13/23/
Nomor 13/23/DPNP tanggal 25 Oktober 2011, DPNP dated 25 October 2011, the Bank implements
Bank melakukan penerapan manajemen risiko the risk management, namely:
yaitu:
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1SPTFT JEFOUJmLBTJ SJTJLP QBTBS NFMJQVUJ 5IF NBSLFU SJTL JEFOUJmDBUJPO QSPDFTT JODMVEFT
JEFOUJmLBTJ EBSJ LBSBLUFSJTUJL QSPEVL CBSV UIF JEFOUJmDBUJPO PG OFX QSPEVDU DIBSBDUFSJTUJDT
JEFOUJmLBTJ TVNCFS SJTJLP QBTBS ZBOH EBQBU JEFOUJmDBUJPO PG TPVSDFT PG NBSLFU SJTL UIBU NBZ
berdampak kepada transaksi yang akan affect the transactions that will be conducted by
dilakukan oleh Dealing Room Treasury. Proses UIF%FBMJOH3PPN5SFBTVSZ5IFSJTLJEFOUJmDBUJPO
JEFOUJmLBTJ 3JTJLP ZBOH EJTFTVBJLBO EFOHBO process that are adapted to the Market Risks is
Risiko Pasar melekat pada aktivitas bisnis inherent in the Bank’s business activities which
Bank yang meliputi risiko suku bunga antara includes in the interest rates risk, among others,
lain repricing risk, yield curve risk, basis risk, repricing risk, yield curve risk, basis risk and
dan optionality risk dan untuk risiko nilai tukar optionality risk and for foreign exchange risk
antara lain tercermin dari besarnya eksposur BSF BNPOH PUIFST BT SFnFDUFE JO UIF BNPVOU PG
transaksional. Satuan Kerja Manajemen transactional exposure. The Risk Management Unit
Risiko juga melakukan review atau evaluasi also conducts reviews or evaluations on products
atas produk maupun aktivitas yang terekspos PS BDUJWJUJFT UIBU BSF FYQPTFE UP UIF JOnVFODF PG
pengaruh pergerakan variabel pasar. movements in market variables.
b. Pengukuran Risiko Pasar b. Market Risk Assessment

Pengelolaan portofolio Divisi Treasuri tanpa The portfolio management of the Treasury Division
adanya dasar pertimbangan dan penilaian with no consideration basis nor risk assessments
risiko akan mengakibatkan kerugian di atas will result in the loss of tolerance of the bank to
toleransi bank dalam menyerap kerugian. absorb losses. One way to inhibit risk occurrences
Salah satu cara dalam menanggulangi kejadian that may cause harm to the bank’s risk tolerance is
risiko yang dapat menyebabkan kerugian di the application of risk tolerance or limit transactions
atas toleransi risiko bank adalah penggunaan that are allowed by the management of the bank.
toleransi risiko atau limit transaksi yang The limit application by the Treasury Division as
diperkenankan manajemen bank. Pengajuan the risk taking unit must obtain a measured risk
limit oleh Divisi Treasuri sebagai risk taking unit assessment by the Risk Management Division.
harus mendapatkan kajian risiko secara terukur The limit application is intended to facilitate the
oleh Divisi Manajemen Risiko. Pengajuan limit management of bank bjb in understanding risk as
ini bertujuan untuk mempermudah Manajemen well as its management.
bank bjb dalam memahami risiko yang
dihadapi serta pengelolaan risikonya.
Pengajuan limit harus meliputi kriteria-kriteria The limit application must include the following
sebagai berikut: criteria:
Divisi Treasuri sebagai risk taking unit The Treasury Division as the risk taking unit
menerapkan “trading” dan “hedging” implements “trading” and “hedging” on a regular
secara berkala sebagai bagian dari proses basis as part of the Treasury business management

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pengelolaan bisnis Treasury khususnya bidang QSPDFTTQBSUJDVMBSMZJOUIF5SFBTVSZ5SBEJOHmFME*O

Treasury Trading. Pada konteks limit berbasis this risk-based limit context, the limit set is related
risiko ini, yang ditentukan adalah limit yang to Treasury activities. In the limit implementation
berkaitan dengan aktivitas Treasury. Dalam process, approaches are conducted to the
proses penerapan limit dilakukan usaha supporting components, among others:
pendekatan dimana terdapat komponen-
komponen yang mendukung diantaranya:
a. Rencana Bisnis a. Business Plan

• Rencana bisnis harus secara luas • The business plan must broadly states
mencantumkan tujuan dari limit yang the purpose of the requested limit, the
diminta, target pasar, pendapatan target market, expected revenues and the
yang diharapkan dan kebutuhan required capital. The plan must qualify how
akan modal. Rencana tersebut harus the limit will be utilized, such as “trading” or
NFOHLVBMJmLBTJLBO DBSB CBHBJNBOB “hedging”.
limit tersebut akan dipergunakan, t 5IFMJNJUBQQMJDBUJPONVTUJEFOUJGZBTQFDJmD
contoh “trading” atau “hedging”. currency and market becoming exposures
t "QMJLBTJ MJNJU IBSVT NFOHJEFOUJmLBTJ to the business unit’s objectives.
NBUB VBOH EBO QBTBS TQFTJmL ZBOH E &DSLWDO5HTXLUHPHQWDQG3URMHFWHG5HYHQXHV
menjadi eksposur terhadap tujuan unit • The Treasury Division requests input
bisnis. from the Risk Management Division in
b. Persyaratan Modal dan Proyeksi measuring the capital allocation that should
Pendapatan be provided to mitigate potential losses
• Divisi Treasuri meminta masukan that may arise.
dari Divisi Manajemen Risiko dalam • The Treasury Division must provide the
mengukur alokasi modal yang harus projected revenues associated with the
disediakan dalam memitigasi potensi limit application. The projections will
kerugian yang akan timbul. facilitate the Board of Directors in the
• Divisi Treasuri harus memberikan decision-making process of limit approval.
proyeksi pendapatan yang F 7KH8VHRI+LVWRULFDO
berhubungan dengan aplikasi limit. The Treasury Division can provide the market
Proyeksi tersebut akan memudahkan outlook trend analysis with the use of existing
Direksi dalam proses pengambilan historic on risk exposures or limit which will be
keputusan persetujuan limit. implemented.
F 3HQJJXQDDQKLVWRULV
Divisi Treasuri dapat memberikan analisa
trend market outlook dengan penggunaan
historis yang ada atas eksposur risiko atau
limit yang akan diterapkan.
Prosedur kerja pengukuran limit unit bisnis The Treasury business unit limit measurement
Treasuri mempertimbangkan beberapa working procedures consider several aspects
aspek yang dinilai cukup berpotensial dalam that are assessed to have the potentials of risk
menimbulkan kejadian risiko. Komponen yang occurrences. Underlying components in the
mendasari pengukuran limit ini adalah: measurement of limit are namely:

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
373
RISK MANAGEMENT
D )DNWRU6HQVLWLYLWDV5LVLNR3DVDU D 0DUNHW5LVN6HQVLWLYLW\)DFWRU

Setiap aktivitas Treasuri terdapat risiko There are inherent risk in each Treasury
yang melekat (risk inherent) dimana proses activities in which the process of risk
dalam pengukuran risiko harus didasarkan assessment shall be based on the
pada sensitivitas risiko yang melekat sensitivity of the inherent risk in the Treasury
pada aktivitas transaksi Treasuri. Faktor transaction activities. The market risk
sensitivitas risiko pasar meliputi yaitu PV01, sensitivity factors include PV01, Duration,
Duration, Vega, Gamma, Theta, Rho, dan Vega, Gamma, Theta, Rho, and transaction
volatilitas transaksi. volatility.
E .HFXNXSDQ'DWD E $GHTXDF\RI'DWD
Kecukupan data diperlukan sebagai Data adequacy is required as a statistic
kecukupan prosedur analisis statistik dan analysis procedure adequacy and to ensure
agar analisis pengukuran terhadap risiko the risk assessment analysis generates
menghasilkan output yang memadai adequate output and in accordance with
dan sesuai dengan eksposur risiko yang the risk exposure faced by the bank. The
dihadapi oleh bank. Data yang diperlukan data required is historical data needed to
adalah data historis yang dibutuhkan guna strengthen a measurement analysis of risk
memperkuat suatu analisis pengukuran limit.
limit risiko. c. Value at Risk Assessment
F 3HQJXNXUDQValue at Risk The Value at Risk model is used in
Model Value at Risk tersebut dipergunakan measuring and analyzing the Treasury’s
dalam mengukur dan menganalisa risiko transaction risks in a comprehensive and
transaksi Treasuri secara komprehensif dan measurable manner. For example, the use
terukur. Misalnya, penggunaan VaR (value of VaR (value at risk) to measure budget
at risk) untuk mengukur kerugian/budget loss over the Treasury trading transaction
loss atas aktivitas transaksi Treasury BDUJWJUJFT JO BEEJUJPO UIF CFOFmU PG UIJT
trading selain itu kegunaan model ini model can also measure the expected
juga dapat mengukur perkiraan kerugian worst loss caused to the Bank in a certain
terburuk yang dapat dialami Bank dalam time interval in normal market conditions
selang waktu tertentu pada kondisi pasar BOEBDFSUBJODPOmEFODFMFWFM
yang normal dan tingkat kepercayaan
tertentu.
Beberapa strategi pengelolaan risiko pasar yang Several market risk management strategies
dilakukan bank bjb adalah mencakup sistem conducted by bank bjb include systems and
dan prosedur dengan menggunakan teknik Mark procedures through the utilization of Mark To Market,
To Market, Value at Risk (VaR), Stress Testing, Value at Risk (VaR), Stress Testing, Repricing Gap
Repricing Gap & Duration Gap Model atau metoda and Duration Gap Model techniques or other
lain yang sesuai untuk mendapatkan nilai wajar appropriate methods to obtain a fair exposure
eksposur secara berkala, sekaligus merupakan value on a regular basis, as well as an accurate
platform yang tepat untuk menilai posisi risiko. platform to assess the risk position.
Pada saat ini bank bjb menerapkan metode yang Currently bank bjb applied a method that is
mampu mengukur risiko terhadap nilai tukar yaitu capable of measuring the risk of the exchange rate,
dengan menggunakan Model Nilai Tukar VaR namely the Exponential Weighted Moving Average
EWMA (Exponential Weighted Moving Average) (EWMA) which is equipped with Fundamental

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yang dilengkapi dengan Fundamental Analysis Analysis and Historical Simulation to capture the
dan Historical Simulation untuk menangkap tingkat FYDIBOHF SBUF SJTL UIBU JT SFnFDUFE JO UIF /FU
risiko nilai tukar yang tercermin dalam Posisi Open Position. bank bjb has also developed an
Devisa Netto. bank bjb juga telah membangun interest rate level measurement model using a
model pengukuran risiko tingkat suku bunga methodology that can capture the interest rate
dengan menggunakan metodologi yang dapat risk from the portfolio of assets and liabilities
menangkap risiko suku bunga dari portofolio aset that are sensitive to changes in interest rates as
dan kewajiban yang sensitif terhadap perubahan well as determine the amount of risk to the bank
suku bunga serta menentukan besaran risiko UISPVHI UIF 3FQSJDJOH 1SPmMF %VSBUJPO ("1 BOE
terhadap bank melalui 3FQSJDJOH 1SPmMF, Duration Economic Value of Equity (EVE). In the process of
GAP, dan Economic Value of Equity (EVE). Dalam measuring the potential loss both in interest rates
proses pengukuran potensi kerugian baik itu suku and exchange rates from Treasury transactions
bunga dan nilai tukar dari transaksi-transaksi are measured through historical simulation of VaR
Treasury diukur melalui VaR simulasi historis baik both by systems (OPICS Risk) or manually. Internal
secara sistem (OPICS Risk) maupun manual. feasibility studies of VaR historical simulation are
Pengujian kelayakan internal VaR simulasi historis DPOEVDUFE UISPVHI CBDL UFTUJOH 7B3 WT 1SPmU
NFMBMVJ CBDL UFTUJOH 7B3 WT 1SPmULoss Treasury Loss Treasury and performed periodically.
dan dilakukan secara berkala.
F 3HPDQWDXDQ5LVLNR3DVDU F 0DUNHW5LVN0RQLWRULQJ

Aktivitas manajemen risiko dalam melakukan The activity of risk management in conducting
proses pemantauan aktivitas bisnis antara lain business activities’ monitoring process are
melalui: through, among others:
1. Adanya RMA (Risk Manegement Agency) 1. The existence of the RMA (Risk Management
yang berfungsi untuk melakukan proses Agency) which serves to perform trading
manajemen risiko pasar trading book book market risk management process
melalui pemantauan limit Treasuri secara through the daily monitoring of the
harian, misalnya ketentuan GWM, open Treasuries’ limit, for example the provisions
position, budget loss, risk sensitivity limit, on minimum reserve requirement, open
dan lain-lain. Sebagai upaya proses position, budget loss, risk sensitivity limit,
pemantauan yang efektif dan akurat, bank and others. As an effective and accurate
telah memiliki sistem OPICS Risk yang monitoring process effort, the bank has
berfungsi dalam mengukur eksposur risiko had the OPICS Risk system which serves to
trading book yang dilakukan oleh dealing measure the trading book’s risk exposures
room Treasury. undertaken by the Treasury dealing room.
2. Pemantauan risiko nilai tukar banking 2. Monitoring of the trading book exchange
book dilakukan melalui pemantauan Posisi rate risk monitoring is performed through
Devisa Neto per 30 menit serta secara the monitoring of the Net Open Position
harian agar berada dalam toleransi limit per 30 minutes as well as daily to be in
internal bank dan regulasi Bank Indonesia. the internal bank’s limit tolerance and the
3. Pemantauan risiko suku bunga banking regulations of Bank Indonesia.
book dilakukan melalui pengukuran 3. Monitoring of the banking book interest rate
Repricing GAP, Duration GAP, dan risk conducted through the measurement
Economic Value of Equity (EVE) untuk of Repricing GAP, Duration GAP and
melihat sensitivitas porotfolio aktiva Economic Value of Equity (EVE) to see the
dan pasiva bank dalam menghadapi portfolio sensitivity of the bank’s assets and

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
375
RISK MANAGEMENT
perubahan suku bunga di masa datang. liabilities in encountering the changes in

4. Monitoring risiko sovereign (Credit Default interest rates in the future.
Swap 5 Year) sebagai indikator penilai 4. Monitoring the sovereign risk (Credit
risiko investasi dari counterparty atau suatu Default Swap 5 Year) as an indicator of
negara asing melalui sistem informasi investment risk assessors of a counterparty
manajemen risiko. Apabila tingkat CDS or a foreign country through the risk
NFOJOHLBU TFDBSB TJHOJmLBO NBLB VOJU management information system. In the
bisnis harus melakukan keputusan yang FWFOUUIF$%4MFWFMJODSFBTFETJHOJmDBOUMZ
menghindari kerugian yang sangat besar the business unit must undertake decisions
bagi bank. to avoid huge losses to the bank.
5. Melakukan evaluasi terhadap eksposur 5. To evaluate the bank’s risk exposures.
risiko yang dimiliki oleh bank. 6. In the event of limit breach, the Risk
6. Apabila terjadi pelampauan limit, Divisi Management Division immediately report
Manajemen Risiko segera melakukan the breach to the Board of Directors.
pelampauan tersebut kepada Direksi.
G 3HQJHQGDOLDQ5LVLNR3DVDU G 0DUNHW5LVN&RQWURO

Strategi yang diambil oleh bank dalam proses The strategy adopted by the bank in the
pengendalian risiko pasar, antara lain melalui market risk control process, among others
hedging, squaring position, back-to-back through hedging, squaring position, back-to-
dan cara lain yang bertujuan untuk meng-off- back and other methods that aimed to off-set a
set suatu transaksi/posisi yang mengalami transaction/ position experiencing loss as well
kerugian serta stress testing guna melihat as stress testing to observe the resilience of the
ketahanan posisi keuangan bank dalam CBOLTmOBODJBMQPTJUJPOJOUIFGBDFPGDSJTJT*O
menghadapi kondisi krisis. Selain itu pula addition, it can also be used to transfer the risk
dapat digunakan untuk mentransfer risiko yang of the Treasury dealing room as long as the
dimiliki dealing room Treasury bank sepanjang risk transfer is still in the bank’s risk limit. The
transfer risiko tersebut masih berada dalam Bank also restricts or prohibits certain types of
risk limit bank. Bank juga membatasi atau transactions or instruments to be transacted by
melarang jenis transaksi atau instrumen the business unit, as well as reducing risk by
tertentu untuk ditransaksikan oleh bisnis providing a maximum transaction or portfolio
unit, serta mengurangi risiko dengan cara limit in accordance with the risk appetite of the
memberikan batas maksimum transaksi atau bank.
portofolio sesuai dengan risk appetite bank.

Dalam rangka pengembangan penerapan In order to develop the implementation of a dynamic
manajemen risiko yang dinamis, Satuan Kerja risk management, the Risk Management Unit
Manajemen Risiko selalu melakukan evaluasi atas continuously evaluates the policies, procedures
kebijakan, prosedur dan limit risiko pasar secara and market risk limits on a regular basis. As
berkala. Sebagai upaya pengendalian risiko pasar an effort to control the market risk in the form of
berupa kecukupan kebijakan dan prosedur Satuan adequacy of policies and procedures of the Risk
Kerja Manajemen Risiko, kaji ulang atas kebijakan Management Unit, a review on the policies and
dan prosedur dilakukan oleh unit independen baik procedures is carried out by an independent unit
di internal ataupun pihak eksternal. both internally or external parties.

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1SPmM1FSVTBIBBO
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Pelaksanaan kaji ulang dan evaluasi terhadap The implementation of review and evaluation
pengukuran risiko yang dilakukan oleh Divisi to the risk measurement performed by the Risk
Manajemen Risiko meliputi: Management Division include:
• Kesesuaian kebijakan, desain proses • The conformity of policy, Risk Management
Manajemen Risiko, sistem informasi, dan process design, information systems, and the
pelaporan manajemen risiko bank dengan bank’s risk management reporting with the
kebutuhan bisnis Bank, serta perkembangan Bank’s business needs, as well as regulatory
peraturan dan praktik terbaik (best practice) developments and best practices related to
terkait Manajemen Risiko; Risk Management;
• Metode, asumsi, dan variabel yang digunakan • Methods, assumptions, and variables used to
untuk mengukur Risiko dan menetapkan limit measure Risk and determining the market risk
risiko pasar; limits;
• Perbandingan antara asumsi yang • The comparison between the assumptions
digunakan dalam metode pengukuran risiko used in the risk measurement methods that are
yang dipergunakan dengan kondisi yang utilized and the actual conditions;
sebenarnya/aktual; • Comparison between the set limit and the
• Perbandingan antara limit yang ditetapkan actual exposure;
dengan eksposur yang sebenarnya/aktual;
Hasil kaji ulang Satuan Kerja Manajemen Risiko The review results of the Risk Management Unit
(Divisi Manajemen Risiko) yang telah dikaji (Risk Management Division) which have been
ulang oleh Satuan Kerja Audit Intern (SKAI) akan reviewed by the Internal Audit Unit (SKAI) will be
disampaikan dalam Komite Manajemen Risiko conveyed in the Risk Management Committee
(RMC) untuk kemudian diminta persetujuannya (RMC) to be subsequently prompted for approval
kepada Direksi. Pembahasan tersebut dilakukan to the Board of Directors. The discussion is also
pula dengan Dewan Komisaris yang dibantu oleh held with the Board of Commissioners, assisted by
Komite Pemantau Risiko. Kaji ulang yang dilakukan the Risk Monitoring Committee. The review carried
oleh Satuan Kerja Audit Intern (SKAI) meliputi: out by the Internal Audit Unit (SKAI) includes:
• Keandalan kerangka Manajemen Risiko, yang • Reliability of Risk Management framework,
mencakup kebijakan, struktur organisasi, which includes policies, organizational
alokasi sumber daya, desain proses structure, resource allocation, Risk
Manajemen Risiko, sistem informasi, dan Management process design, information
pelaporan Risiko Bank; systems, and reporting of Bank’s Risks;
• Proses pemantauan yang dilakukan oleh • Monitoring process conducted by the Risk
Satuan Kerja Manajemen Risiko; Management Unit;
• Evaluasi atas metodologi pengukuran Satuan • Evaluation on the measurement methodology
Kerja Manajemen Risiko; of the Risk Management Unit;
3HQJXQJNDSDQ.XDQWLWDWLI5LVLNR3DVDU 4XDQWLWDWLYH'LVFORVXUHRIWKH0DUNHW5LVN

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
377
RISK MANAGEMENT
7DEHO 3HQJXQJNDSDQ 5LVLNR 3DVDU GHQJDQ 7DEOH0DUNHW5LVN'LVFORVXUHXVLQJ6WDQGDUGL]HG

0HQJJXQDNDQ0HWRGH6WDQGDU(Rp Juta) $SSURDFK(Rp Million)
No Keterangan 'HVHPEHU'HFHPEHU 'HVHPEHU'HFHPEHU 'HVFULSWLRQ
bank bjb .RQVROLGDVL bank bjb .RQVROLGDVL

Consolidated Consolidated
Beban ATMR/ Beban ATMR/ Beban ATMR/ Beban ATMR/

0RGDO RWA 0RGDO RWA 0RGDO RWA 0RGDO RWA
Capital Capital Capital Capital
Charge Charge Charge Charge
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (2)
1 Risiko Suku Bunga 85.747 1.071.834 85.747 1.071.834 88.052 1.100.645 88.052 1.100.645 Interest Rate Risk
B3JTJLP4QFTJmL 85.747 1.071.834 85.747 1.071.834 88.052 1.100.645 88.052 1.100.645 B4QFDJmD3JTL
b. Risiko Umum - - - - b. General Risk
2 Risiko Nilai Tukar 8.911 111.389 8.911 111.389 5.110 63.878 5.110 63.878 Foreign Exchange Risk
3 Risiko Ekuitas *) - - - - Equity Risk *)
4 Risiko Komoditas *) - - - - Commodity Risk *)
5 Risiko Option - - - - Option Risk
Total 94.658 1.183.223 94.658 1.183.223 93.162 1.164.523 93.162 1.164.523 Total
& 5LVLNR/LNXLGLWDV & /LTXLGLW\5LVN

Risiko Likuiditas adalah risiko akibat ketidakmampuan Liquidity risk is the risk due to the inability of the bank to
bank untuk memenuhi kewajiban yang timbul atau meet obligations or liabilities that have matured. This risk
kewajiban yang telah jatuh tempo. Risiko ini terjadi akibat is due to the failure of investment management and fund
kegagalan pengelolaan sumber dana dan penanaman investment (mismatch) or a liquidity shortage which leads
dana (mismatch) atau kekurangan likuiditas (shortage) yag UPUIFJOBCJMJUZPGUIFCBOLUPNFFUJUTmOBODJBMPCMJHBUJPOT
mengakibatkan bank tidak mampu memenuhi kewajiban at a predetermined time.
keuangannya pada waktu yang telah ditetapkan.
Risiko likuiditas dapat dikategorikan sebagai berikut: Liquidity risk can be categorized as follows:
• Risiko Likuiditas Pasar, yaitu risiko yang timbul karena • Market liquidity risk, namely the risk arising from
bank tidak mampu melakukan offsetting posisi tertentu the bank’s inability to offset a certain position with
dengan harga pasar karena kondisi likuiditas pasar the market price due to inadequate market liquidity
yang tidak memadai atau terjadi gangguan di pasar conditions or market disruption;
(market disruption); • Funding liquidity risk, namely the risk arising from the
• Risiko Likuiditas Pendanaan, yaitu risiko yang timbul bank’s inability to disburse its assets or obtain funding
karena bank tidak mampu mencairkan asetnya atau from other sources.
memperoleh pendanaan dari sumber dana lain.
3HQJDZDVDQ $NWLI 'HZDQ .RPLVDULV GDQ $FWLYH 6XSHUYLVLRQ E\ WKH %RDUG RI
'LUHNVL &RPPLVVLRQHUVDQGWKH%RDUGRI'LUHFWRUV
Dewan Komisaris dan Direksi bertanggungjawab The Board of Commissioners and the Board
atas efektivitas penerapan Manajemen Risiko of Directors are responsible for the effective
Likuiditas di Bank. Terkait wewenang dan tanggung implementation of Liquidity Risk Management
jawab pengawasan aktif Dewan Komisaris of the Bank. In relations to the active supervision
dan Direksi bank bjb, Dewan Komisaris dan authority and responsibility of the Board of
Direksi selalu memperoleh informasi yang jelas Commissioners and Board of Directors of bank

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Laporan Manajemen
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mengenai evaluasi dan penerapan manajemen bjb, the Board of Commissioners and the Board
risiko eksposur risiko likuiditas, pemantauan limit of Directors always obtain clear information on the
secara harian serta langkah-langkah yang diambil evaluation and implementation of risk management
oleh Risk Taking Unit khususnya terkait adanya of liquidity risk exposure, supervision of limit on a
pelampauan limit. daily basis as well as steps employed by the Risk
5BLJOH6OJUTQFDJmDBMMZSFMBUFEUPUIFMFOEJOHMJNJU
Dalam pelaksanaan pengawasannya, Dewan In the implementation of its supervision, the Board
Komisaris dibantu oleh Komite Pemantau Risiko of Commissioners is assisted by the bank’s Risk
(KPR) bank yang secara berkala melakukan Monitoring Committee (RMC) which periodically
pengawasan melalui koordinasi dengan Satuan conduct supervision in coordination with the Risk
Kerja Manajemen Risiko. Media koordinasi yang Management Unit. The coordination media utilized
digunakan dapat berupa laporan pemantauan can be in the form of risk monitoring reports by the
risiko oleh SKMR yang disampaikan kepada SKMR which is submitted to the Risk Monitoring
Komite Pemantau Risiko maupun melalui Committee or through the media of meetings
media rapat antara kedua belah pihak. Adapun between the two parties. The meeting implemented
rapat yang diadakan tersebut pada umumnya generally discusses the implementation of risk
membahas penerapan manajemen risiko di management in bank bjb concerning among
bank bjb menyangkut diantaranya penerapan others the risk tolerance measurement application
pengukuran risk tolerance risiko likuiditas, stress of the liquidity risk, liquidity stress testing, material
testingMJLVJEJUBT QFNCBIBTBOQSPmMSJTJLPMJLVJEJUBT MJRVJEJUZ SJTL QSPmMFT BOE BEFRVBDZ PG UIF
yang bersifat material, dan kecukupan metodologi measurement methodology utilized by the Risk
pengukuran yang dipergunakan Satuan Kerja Management Unit. Supervision carried out by the
Manajemen Risiko. Pengawasan yang dilakukan Board of Directors is through the monitoring of the
oleh Direksi yaitu memantau penerapan limit implementation of the Treasury limit periodically
Treasury secara berkala baik terjadi pelampauan in the event of breach limit occurrences or not,
limit (breach limit) maupun tidak terjadi and the provision of limit approval that are new
pelampauan limit, melakukan persetujuan atas or after being amended. Discussions on the
limit yang bersifat baru ataupun perubahannya. management of the liquidity risk, such as the core
Pembahasan tentang pengelolaan risiko likuiditas EFQPTJUPST DPNQPTJUJPO NBUVSJUZ QSPmMF PG UIF
seperti komposisi deposan inti, NBUVSJUZ QSPmMF bank, are carried out in the ALCO (Asset & Liability
bank dilakukan dalam Rapat ALCO (Asset Liability Committee) Meeting, while discussions on the
Committee) sedangkan pembahasan eksposur liquidity risk exposures such as material liquidity
SJTJLP MJLVJEJUBT TFQFSUJ QSPmM SJTJLP MJLVJEJUBT ZBOH SJTL QSPmMFT MJRVJEJUZ TUSFTT UFTUJOH BOE PUIFS
bersifat material, liquidity stress testing, dan liquidity risk exposures are discussed in the Risk
eksposur risiko likuiditas lainnya dibahas dalam Management Committee meetings. The limit of the
rapat Komite Manajemen Risiko (RMC). Terkait limit bank’s market risk and risk appetite are evaluated
risiko likuiditas dan risk appetite bank dievaluasi periodically or at any time deemed needed to be
secara periodik namun dapat dipercepat sesuai evaluated in accordance with the bank’s changing
dengan perubahan lingkungan bisnis bank. business environment.

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
379
RISK MANAGEMENT

Limit of Limit
Sebagai upaya menghadapi permasalahan As an effort to encounter fundamental liquidity issues,
likuiditas mendasar, bank telah memiliki kebijakan the bank has established policies and guidelines
dan pedoman terkait penerapan manajemen related to liquidity risk management. The policies
risiko likuiditas. Kebijakan dan pedoman tersebut and guidelines contain among others procedures for
memuat diantaranya prosedur pengukuran risiko liquidity risk measurement, liquidity stress testing which
likuiditas, stress testing likuiditas yang memuat JODMVEFTHFOFSBMNBSLFUDSJTJTBOECBOLTQFDJmDDSJTJT
skenario general market crisis dan bank TQFDJmD scenarios. In relations to the policy implementation
crisis. Terkait kebijakan penerapan limit gap of liquidity gap limits, limit breaches escalation
likuiditas, prosedur eskalasi pelampauan limit, procedures, funding liquidity contingency plan, the
rencana kontinjensi pendanaan likuiditas, saat bank is currently still formulating the procedures and
ini bank masih menyusun prosedur dan langkah- methods with the risk taking unit which in the future
langkahnya bersama risk taking unit dimana untuk will be used as a policy provisions which needs to be
ke depannya akan dijadikan kebijakan aturan yang adhered by the risk taking unit. The determination of
perlu dipatuhi oleh risk taking unit. Penetapan limit liquidity limits which will be performed by the bank
likuiditas yang berjalan di bank yaitu penetapan are namely the limit determination of primary reserve,
limit primary reserve, secondary reserve dan ekses secondary reserve and excess reserve of the Statutory
reserve GWM sedangkan untuk penetapan pagu Reserves while the determination of maximum cash
kas di Cabang Operasional dilakukan oleh Divisi at Operational Branches will be conducted by the
Operasional. Operational Division.
Satuan Kerja Manajemen Risiko selalu melakukan The Risk Management Unit continuously evaluates the
evaluasi atas kebijakan, prosedur dan analisis policies, procedures and performance analysis of the
kinerja bank terhadap limit yang diterapkan. bank towards the applied limit. While limit changes are
Adapun perubahan limit dilakukan oleh risk taking conducted by the risk-taking units to then be evaluated
unit untuk kemudian dilakukan evaluasi melalui through a measurement that has been standardized by
pengukuran yang telah distandardisasi oleh the Risk Management Unit.
Satuan Kerja Manajemen Risiko.

Kebijakan risiko likuiditas mencakup risiko yang Liquidity risk policy covers risks that caused the bank
menyebabkan bank menderita kerugian akibat to suffer losses due to the rising cost of funds or the
meningkatnya biaya dana atau adanya hambatan/ presence of barriers/ limitations to meet its maturing
keterbatasan dalam memenuhi kewajiban yang PCMJHBUJPOT.PTUmOBODJBMUSBOTBDUJPOTPSDPNNJUNFOUT
KBUVI UFNQP 4FCBHJBO CFTBS USBOTBLTJ mOBOTJBM have impacts on the liquidity of the bank. Therefore,
atau komitmen mempunyai dampak terhadap banks are highly vulnerable to liquidity issues, both for
likuiditas bank. Oleh karena itu, bank sangat the bank itself and its impact on the banking industry
rentan terhadap masalah likuiditas, baik bagi BT B XIPMF 5IF CBOL JT PCMJHFE UP NFFU JUT mOBODJBM
bank itu sendiri maupun pengaruhnya terhadap obligations in a timely manner, therefore, the bank
industri perbankan secara keseluruhan. Bank must be able to maintain an adequate level of liquidity
berkewajiban memenuhi kewajiban keuangannya at all times.
secara tepat waktu sehingga bank harus mampu
memelihara suatu tingkat likuiditas yang memadai
setiap waktu.

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
MANAJEMEN RISIKO
Dalam menentukan limit risiko likuiditas, bank In determining the liquidity risk limits, the bank
memperhatikan kondisi likuiditas dari aktiva- considers the liquidity condition of the bank’s assets and
pasiva bank. Likuiditas yang cukup besar perlu liabilities. Substantial liquidity needs to be managed
dikelola secara baik dan dijadikan indikator well and used as indicators in the implementation of
dalam menerapkan limit risiko likuiditas untuk liquidity risk limits to support the efforts to increase the
NFOEVLVOH VQBZB QFOJOHLBUBO QSPmUBCJMJUBT QSPmUBCJMJUZ PG UIF CBOL CFDBVTF B MBSHF MJRVJEJUZ XJMM
bank, karena likuiditas yang cukup besar justru increase idle funds and would be detrimental to the
akan meningkatkan idle fund dan akan merugikan bank, especially banks that are funded by corporate
bagi bank terutama bank yang didanai nasabah customers. Historic liquidity gap can be used as a
korporasi. Gap likuiditas secara historis dapat benchmark in determining the liquidity risk limits for a
dijadikan patokan dalam menentukan limit risiko bank. The implementation of liquidity limit performed by
likuiditas bagi bank. Penerapan limit likuiditas the bank are namely the limit determination of primary
yang berjalan di bank yaitu penetapan limit reserve, secondary reserve, and excess reserve of the
primary reserve, secondary reserve dan ekses Statuary Reserve while the determination of maximum
reserve GWM sedangkan untuk penetapan pagu cash at Operational Branches will be conducted by the
kas di Cabang Operasional dilakukan oleh Divisi Operational Division.
Operasional.
Saat ini bank sedang mengembangkan sistem Currently the bank is developing a liquidity risk
informasi pengukuran risiko likuiditas seperti measurement information systems such as an
maturity QSPmMF yang terintegrasi. Satuan Kerja JOUFHSBUFE NBUVSJUZ QSPmMF 5IF 3JTL .BOBHFNFOU
Manajemen Risiko bersama Risk Taking Unit Unit along with the Risk Taking Unit in the integration
dalam tahapan integrasi sistem informasi maturity TUBHF PG UIF NBUVSJUZ QSPmMF JOGPSNBUJPO TZTUFN
QSPmMF tersebut selalu diadakan rapat sebagai conduct meetings in an attempt to know the utilization
upaya mengetahui utilisasi progres yang telah of progress that have been performed. The maturity
dilakukan. Sistem pelaporan maturity QSPmMF valas QSPmMFPGGPSFJHODVSSFODZSFQPSUJOHTZTUFNIBTCFFO
telah terintegrasi dan tervalidasi dengan memadai TVGmDJFOUMZ JOUFHSBUFE BOE WBMJEBUFE UIBU JUT SFQPSUJOH
sehingga pelaporannya tidak memerlukan proses does not require any manual process.
manual lagi.
Sebagai langkah koordinasi manajemen bank As a coordinative measure by the bank’s management
dalam menghadapi kejadian krisis likuiditas in facing liquidity crisis occurrences in the future,
dikemudian hari, bank sedang menyusun Tim the bank is forming the Liquidity Crisis Management
Manajemen Krisis Likuiditas (Liquidity Crisis Team as an anticipatory measure in response to the
Management Team) sebagai langkah antisipatif liquidity crisis by executing emergency procedures
dalam menyikapi krisis likuiditas dengan in accordance with the Contingency Funding Plan
menjalankan prosedur rencana pendanaan darurat Scenario framework which has been established
sesuai dengan kerangka kerja Contingency based on the ALCO (Asset & Liability Committee)
Funding Plan Scenario yang telah ditetapkan meeting results.
berdasarkan hasil rapat ALCO (Asset & Liability
Committee).

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
381
RISK MANAGEMENT
Dalam proses pemantauan limit Risk Taking Unit, In the Risk Taking Unit limit monitoring process, the
Satuan Kerja Manajemen Risiko selalu melakukan Risk Management Unit continuously monitors the
pemantauan limit secara harian dan dilaporkan daily limit and report it to the Board of Directors on
kepada Direksi secara berkala. Adapun apabila a regular basis. Limit escalation breach occurrences
terjadi eskalasi pelampauan limit maka akan will be immediately reported to the Board of Directors
segera dilaporkan kepada Direksi termasuk including contingency plan efforts which will be
upaya contingency plan yang akan dilakukan conducted by the Risk Taking Unit. In relations to the
oleh Risk Taking Unit. Terkait menuju implementasi implementation of Basel III, which focuses on liquidity
Basel III yang terfokus kepada permasalahan issues, the Risk Management Unit is working with the
likuiditas, Satuan Kerja Manajemen Risiko bekerja Business Unit and Supporting Unit in measuring the
sama dengan Unit Bisnis dan Supporting Unit impacts of Basel III on the bank and calculate the ratio
melakukan pengukuran dampak Basel III terhadap of the LCR and NSFR required by the bank in order
bank dengan melakukan simulasi perhitungan to avoid the impact of liquidity risk and internal and
rasio LCR dan NSFR yang dibutuhkan oleh bank external compliance.
agar terhindari dari dampak risiko likuiditas dan
kepatuhan internal maupun eksternal.

Dalam rangka pengembangan penerapan In order to develop a dynamic risk management, the
manajemen risiko yang dinamis, Satuan Kerja Risk Management Unit continuously evaluates the
Manajemen Risiko selalu melakukan evaluasi atas policies, procedures and limits for liquidity risk on a
kebijakan, prosedur dan limit risiko likuiditas secara regular basis. In an effort to control the market risk in
berkala. Sebagai upaya pengendalian risiko pasar the form of the adequacy of policies and procedures
berupa kecukupan kebijakan dan prosedur Satuan of the Risk Management Unit, reviews on the policies
Kerja Manajemen Risiko, kaji ulang atas kebijakan and procedures are carried out by an independent
dan prosedur dilakukan oleh unit independen baik unit by both internal and external parties. The Risk
di internal ataupun pihak eksternal. Satuan Kerja Management Unit also conducts bank bjb’s liquidity
Manajemen Risiko pun melakukan stress testing stress testing and provide information on the liquid
likuiditas bank bjb dan memberikan informasi assets adequacy conditions that are deemed
kondisi kecukupan aset likuid yang dipandang TVGmDJFOUUPDPWFSBTVEEFOBOEJOMBSHFBNPVOUGVOET
memadai untuk mengcover penarikan dana oleh withdrawal by customers. The report is conveyed to
nasabah secara tiba-tiba dan dalam jumlah besar. the Board of Directors and the risk taking unit in order
Laporan tersebut diinformasikan kepada Direksi to obtain feed back and create risk awareness.
dan risk taking unit agar mendapatkan feed back
dan menciptakan risk awareness.
3HQJXQJNDSDQ.XDQWLWDWLI5LVLNR/LNXLGLWDV 4XDQWLWDWLYH'LVFORVXUHRIWKH/LTXLGLW\5LVN

B 1SPmM.BUVSJUBT3VQJBIo#BOLTFDBSB*OEJWJEVBM B *OEJWJEVBM3VQJBIo#BOL.BUVSJUZ1SPmMF

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
MANAJEMEN RISIKO
3HQJXQJNDSDQ 3URÀO 0DWXULWDV 5XSLDK ² %DQN

VHFDUD,QGLYLGXDO7DEHOD(Rp Juta)
3RVSRV 6DQGL 6DOGR
Post Code Balance 1 minggu/
1 week
I. Neraca/Balance Sheet
A. Aset/Assets 68.074.396 10.559.201

1. Kas/Cash 2.720.555 2.720.555
2. Penempatan pada Bank Indonesia/Placement to Bank Indonesia 7.223.854 7.223.854
a. Giro/Current Accounts 4.913.672 4.913.672
b. SBI - -
c. Lainnya/Other (Depo Facility, Term Deposit & Reverse Repo) 2.310.182 2.310.182
3. Penempatan pada bank lain/Interbank placement 1.761.780 592.348
4. Surat Berharga/Securities 7.132.083 -
a. SUN 1.329.611 -
1) diperdagangkan/trading - -
2) tersedia untuk dijual/ available for sale - -
3) dimiliki hingga jatuh tempo/held to maturity 1.329.611 -
4) pinjaman yang diberikan dan piutang/ loans and receivables - -
b. Surat Berharga Korporasi/Corporate Securities 5.802.472 -
1) diperdagangkan/trading 722.120 -
c. Lainnya/Other - -
5. Kredit yang Diberikan/Loans 49.207.445 22.444
a. Belum Jatuh Tempo/Non Past Due 49.207.445 22.444
b. Sudah Jatuh Tempo/Past Due - -
6. Tagihan Lainnya/Other Receivable 28.679 -
a. Tagihan atas Surat Berharga yang dibeli dengan janji dijual kembali (RR)/Claims - -
on Securities purchased under agreements to resell (RR)
b. Lainnya/Other 28.679 -
7. Lain-lain/Others - -
57.355.119 (232.346)
B. Kewajiban/Liabilities 57.587.465 36.669.803
1. Dana Pihak Ketiga/ Third Party Funds 52.718.663 36.615.811
b. Tabungan/Saving Accounts 12.383.742 12.383.742
c. Simpanan Berjangka/Time Deposits 18.997.014 2.894.162
1) Deposito on call - -
2) Deposito berjangka/Time Deposits 18.997.014 2.894.162
3) Lainnya/Other - -
2. Kewajiban kepada Bank Indonesia/Liabilities on Bank Indonesia - -
3. Kewajiban kepada bank lain/Liabilities on Other Bank 74.275 9.379
4. Surat Berharga yang Diterbitkan/Securities Issued 2.396.611 -
a. Obligasi/Bonds 2.396.611 -

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
383
RISK MANAGEMENT
'LVFORVXUH RI 5XSLDK 0DWXULW\ 3URÀOH ² %DQN 2QO\

-DWXK7HPSRMaturity
!PLQJJX !PLQJJXEXODQ !EXODQ !EXODQ !EXODQ > 12 bulan
minggu/ > 2 weeks- 1 months > 1 -3 months > 3 - 6 months > 6 - 12 months > 12 months
>1 weeks - 2 weeks
1.010.095 610.641 488.745 1.710.183 3.064.111 50.631.420
- - - - - -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
840.000 300.000 23.452 5.980 - -
129.982 241.382 331.885 801.436 2.224.093 3.403.305
- - 132.197 489.850 707.564 -
- - - - - -
- - - - - -
- - 132.197 489.850 707.564 -
- - - - - -
129.982 241.382 199.688 311.586 1.516.529 3.403.305
- - - - 1.238 720.882
- - - - - -
129.982 241.382 199.688 311.586 1.515.291 2.682.423
- - - - - -
- - - - - -
40.113 69.259 133.408 902.767 840.018 47.199.436
40.113 69.259 133.408 902.767 840.018 47.199.436
- - - - - -
- - - - - 28.679
- - - - - -
- - - - - 28.679
- - - - - -
3.335.480 2.118.482 5.055.774 4.993.678 2.401.752 3.012.496
2.023.163 1.887.656 4.852.330 4.675.337 2.119.232 545.134
- - - - - -
- - - - - -
2.023.163 1.887.656 4.852.330 4.675.337 2.119.232 545.134
- - - - - -
2.023.163 1.887.656 4.852.330 4.675.337 2.119.232 545.134
- - - - - -
- - - - - -
8.196 11.128 20.661 6.640 6.520 11.751
- - - - 276.000 2.120.611
- - - - 276.000 2.120.611

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
MANAJEMEN RISIKO

VHFDUD,QGLYLGXDO7DEHOD(Rp Juta)
3RVSRV 6DQGL 6DOGR

1 week
b. Subordinasi/Subordinated - -
5. Pinjaman yang Diterima/Borrowings 335.000 -
a. Pinjaman Subordinasi/Subordinated Borrowings - -
6. Kewajiban Lainnya/Other Liabilities 2.062.916 44.613
a. Kewajiban atas Surat Berharga yang dijual dengan janji dibeli kembali (Repo)/ 2.062.916 44.613
Liability for Securities sold under repurchase agreements (Repo)
b. Lainnya/Other - -
-
& 6HOLVLK$VHWGHQJDQ.HZDMLEDQGDODP1HUDFD'LIIHUHQFH$VVHWVWR/LDELOLWLHVLQ 10.486.931 1.949.656
WKH%DODQFH6KHHW
-
II. Rekening Administratif/ Off-Balance Sheet
A. 7DJLKDQ5HNHQLQJ$GPLQLVWUDWLI2II%DODQFH6KHHW5HFHLYDEOHV - -
1. Komitmen/Commitments - -
a. Fasilitas pinjaman yang belum ditarik/Undrawn borrowing facilities - -
b. Posisi pembelian spot dan derivatif yang masih berjalan/Outstanding buying spot - -
and derivative
1) Spot - -
2) Derivatif - -
2. Kontijensi/Contingencies - -
-
B. .HZDMLEDQ5HNHQLQJ$GPLQLVWUDWLI/LDELOLWLHV%DODQFH6KHHW 3.083.012 445.557
1. Komitmen/Commitments 1.784.439 6.366
a. Fasilitas pinjaman yang belum ditarik/Undrawn borrowing facilities 1.736.998 906
b. Irrevocable L/C yang masih berjalan/Irrevocable L / C is still running 47.441 5.460
c. Posisi pembelian spot dan derivatif yang masih berjalan/Outstanding buying spot - -
and derivative
1) Spot - -
2) Derivatif - -
d. Lainnya/Other - -
2. Kontijensi/Contingencies 1.298.573 439.191
-
& 6HOLVLK7DJLKDQGDQ.HZDMLEDQGDODP5HNHQLQJ$GPLQLVWUDWLI'LIIHUHQFHLQ (3.083.012) (445.557)
$FFRXQW5HFHLYDEOHVDQG3D\DEOHV$GPLQLVWUDWLYH
-
6HOLVLK,$,%,,$,,% 7.403.919 (26.556.159)
6HOLVLK.XPXODWLI&XPXODWLYH'LIIHUHQFHV (26.556.159)

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
385
RISK MANAGEMENT
'LVFORVXUH RI 5XSLDK 0DWXULW\ 3URÀOH ² %DQN 2QO\

-DWXK7HPSRMaturity
>1 weeks - 2 weeks
- - - - - -
- - - - - -
- - - - - 335.000
- - - - - -
- - - - - 335.000
1.304.121 219.698 182.783 311.701 - -
1.304.121 219.698 182.783 311.701 - -
- - - - - -
- - - - - -
- - - - - -
(2.636.565) (1.822.487) (1.768.779) (348.849) 850.971 11.294.663
- - - - - -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
63.162 91.472 204.979 457.989 390.568 1.429.285
3.008 16.084 12.495 158.235 235.895 1.352.356
3.008 15.730 10.586 148.207 206.205 1.352.356
- 354 1.909 10.028 29.690 -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
60.154 75.388 192.484 299.754 154.673 76.929
- - - - - -
(63.162) (91.472) (204.979) (457.989) (390.568) (1.429.285)
- - - - - -
(2.388.547) (1.599.313) (4.772.008) (3.741.484) 271.791 46.189.639
(28.944.706) (30.544.019) (35.316.027) (39.057.511) (38.785.720) 7.403.919

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
MANAJEMEN RISIKO
C 1SPmM .BUVSJUBT 3VQJBI o #BOL TFDBSB

Konsolidasi

(Tabel 9.2.a.) (Rp Juta)
3RVSRV 6DQGL 6DOGR
1 week
A. Aset/Assets 68.334.201 10.814.152
1. Kas/Cash 2.760.427 2.760.427
2. Penempatan pada Bank Indonesia/Placement to Bank Indonesia 7.432.144 7.432.144
b. SBI - -
c. Lainnya/Other (Depo Facility, Term Deposit & Reverse Repo) 2.310.182 2.310.182
3. Penempatan pada bank lain/Interbank placement 1.768.569 599.137
4. Surat Berharga/Securities 7.136.937 -
a. SUN 1.329.611 -
1) diperdagangkan/trading - -
b. Surat Berharga Korporasi/Corporate Securities 5.807.326 -
1) diperdagangkan/trading 722.120 -
5. Kredit yang Diberikan/Loans 49.207.445 22.444
a. Belum Jatuh Tempo/Non Past Due 49.207.445 22.444
b. Sudah Jatuh Tempo/Past Due - -
6. Tagihan Lainnya/Other Receivable 28.679 -
a. Tagihan atas Surat Berharga yang dibeli dengan janji dijual kembali (RR)/Claims - -
on Securities purchased under agreements to resell (RR)
57.355.119 1.327.927
B. Kewajiban/Liabilities 56.027.192 37.127.833
1. Dana Pihak Ketiga/ Third Party Funds 53.214.999 37.112.147
b. Tabungan/Saving Accounts 12.880.078 12.880.078
c. Simpanan Berjangka/Time Deposits 18.997.014 2.894.162
1) Deposito on call - -
2) Deposito berjangka/Time Deposits 18.997.014 2.894.162
3) Lainnya/Other - -
2. Kewajiban kepada Bank Indonesia/Liabilities on Bank Indonesia - -
3. Kewajiban kepada bank lain/Liabilities on Other Bank 80.582 15.686
4. Surat Berharga yang Diterbitkan/Securities Issued 2.396.611 -
a. Obligasi/Bonds 2.396.611 -
b. Subordinasi/Subordinated - -

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
387
RISK MANAGEMENT
C .BUVSJUZQSPmMF3VQJBIo$POTPMJEBUFE#BOL
'LVFORVXUH RI 5XSLDK 0DWXULW\ 3URÀOH ² %DQN

&RQVROLGDWHG7DEOHD(Rp Million)
-DWXK7HPSRMaturity
>1 weeks - 2 weeks
1.010.095 610.641 488.745 1.710.183 3.068.965 50.631.420

- - - - - -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
840.000 300.000 23.452 5.980 - -
129.982 241.382 331.885 801.436 2.228.947 3.403.305
- - 132.197 489.850 707.564 -
- - - - - -
- - - - - -
- - 132.197 489.850 707.564 -
- - - - - -
129.982 241.382 199.688 311.586 1.521.383 3.403.305
- - - - 1.238 720.882
- - - - - -
129.982 241.382 199.688 311.586 1.520.145 2.682.423
- - - - - -
- - - - - -
40.113 69.259 133.408 902.767 840.018 47.199.436
40.113 69.259 133.408 902.767 840.018 47.199.436
- - - - - -
- - - - - 28.679
- - - - - -
- - - - - 28.679
- - - - - -
2.031.359 1.898.784 4.872.991 4.681.977 2.401.752 3.012.496

2.023.163 1.887.656 4.852.330 4.675.337 2.119.232 545.134
- - - - - -
- - - - - -
2.023.163 1.887.656 4.852.330 4.675.337 2.119.232 545.134
- - - - - -
2.023.163 1.887.656 4.852.330 4.675.337 2.119.232 545.134
- - - - - -
- - - - - -
8.196 11.128 20.661 6.640 6.520 11.751
- - - - 276.000 2.120.611
- - - - 276.000 2.120.611
- - - - - -
- - - - - -

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
MANAJEMEN RISIKO
3HQJXQJNDSDQ 3URÀO 0DWXULWDV 5XSLDK %DQN

(Tabel 9.2.a.) (Rp Juta)
3RVSRV 6DQGL 6DOGR

1 week
5. Pinjaman yang Diterima/Borrowings 335.000 -

a. Pinjaman Subordinasi/Subordinated Borrowings - -
6. Kewajiban Lainnya/Other Liabilities - -
a. Kewajiban atas Surat Berharga yang dijual dengan janji dibeli kembali (Repo)/ - -
Liability for Securities sold under repurchase agreements (Repo)
b. Lainnya/Other - -
-
& 6HOLVLK$VHWGHQJDQ.HZDMLEDQGDODP1HUDFD'LIIHUHQFH$VVHWVWR/LDELOLWLHVLQ 12.307.009 1.949.656
WKH%DODQFH6KHHW
-
II. Rekening Administratif/ Off-Balance Sheet
A. 7DJLKDQ5HNHQLQJ$GPLQLVWUDWLI2II%DODQFH6KHHW5HFHLYDEOHV - -
1. Komitmen/Commitments - -
a. Fasilitas pinjaman yang belum ditarik/Undrawn borrowing facilities - -
b. Posisi pembelian spot dan derivatif yang masih berjalan/Outstanding buying spot - -
and derivative
1) Spot - -
2) Derivatif - -
2. Kontijensi/Contingencies - -
-
B. .HZDMLEDQ5HNHQLQJ$GPLQLVWUDWLI/LDELOLWLHV%DODQFH6KHHW 3.083.012 445.557
1. Komitmen/Commitments 1.784.439 6.366
a. Fasilitas pinjaman yang belum ditarik/Undrawn borrowing facilities 1.736.998 906
b. Irrevocable L/C yang masih berjalan/Irrevocable L / C is still running 47.441 5.460
c. Posisi pembelian spot dan derivatif yang masih berjalan/Outstanding buying spot - -
and derivative
1) Spot - -
2) Derivatif - -
d. Lainnya/Other - -
2. Kontijensi/Contingencies 1.298.573 439.191
-
& 6HOLVLK7DJLKDQGDQ.HZDMLEDQGDODP5HNHQLQJ$GPLQLVWUDWLI'LIIHUHQFHLQ (3.083.012) (445.557)
$FFRXQW5HFHLYDEOHVDQG3D\DEOHV$GPLQLVWUDWLYH
-
6HOLVLK,$,%,,$,,% 9.223.997 (26.759.238)
6HOLVLK.XPXODWLI&XPXODWLYH'LIIHUHQFHV (26.759.238)

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
389
RISK MANAGEMENT
'LVFORVXUH RI 5XSLDK 0DWXULW\ 3URÀOH ² %DQN

&RQVROLGDWHG7DEOHD(Rp Million)
-DWXK7HPSRMaturity
>1 weeks - 2 weeks
- - - - - 335.000
- - - - - -
- - - - - 335.000
- - - - - -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
(2.636.565) (1.822.487) (1.768.779) (348.849) 850.971 11.294.663
- - - - - -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
63.162 91.472 204.979 457.989 390.568 1.429.285
3.008 16.084 12.495 158.235 235.895 1.352.356
3.008 15.730 10.586 148.207 206.205 1.352.356
- 354 1.909 10.028 29.690 -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
60.154 75.388 192.484 299.754 154.673 76.929
- - - - - -
(63.162) (91.472) (204.979) (457.989) (390.568) (1.429.285)
- - - - - -
(1.084.426) (1.379.615) (4.589.225) (3.429.783) 276.645 46.189.639
(27.843.664) (29.223.279) (33.812.504) (37.242.287) (36.965.642) 9.223.997

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
MANAJEMEN RISIKO
D 1SPmM.BUVSJUBT7BMBTo#BOLTFDBSB*OEJWJEVBM D 3VQJBI.BUVSJUZ1SPmMF$POTPMJEBUFE#BOL
3HQJXQJNDSDQ 3URÀO 0DWXULWDV 9DODV ² %DQN 'LVFORVXUH RI 5XSLDK 0DWXULW\ 3URÀOH ² %DQN 2QO\
VHFDUD.RQVROLGDVLGHQJDQ,QGLYLGXDO7DEHOE (Table 9.1.b) (Rp Million)
(Rp Juta)
3RVSRV 6DOGR -DWXK7HPSR0DWXULW\

Balance
Post 1 minggu !PLQJJX !PLQJJX !EXODQ !EXODQ !EXODQ > 12 bulan
1 week minggu bulan >1 -3 months >3 - 6 months >6 - 12 months >12 months
>1 weeks - 2 >2 weeks- 1
weeks months
A. Aset/Assets 478.355 344.184 6.494 - 8.686 28.451 48.819 41.722
1. Kas/Cash 15.319 15.319 - - - - - -
2. Penempatan pada Bank Indonesia/Placement to 41.378 41.378 - - - - - -
Bank Indonesia
a. Giro/Current Accounts 41.378 41.378 - - - - - -
b. SBI -
c. Lainnya/Other (Depo Facility, Term Deposit & - - - - - - - -
Reverse Repo)
3. Penempatan pada bank lain/Interbank placement 140.489 140.489 - - - - - -
4. Surat Berharga/Securities **) 23.568 - - - - 19.857 3.710 -
a. SUN - - - - - - - -
1) Diperdagangkan/trading -
2) Tersedia untuk dijual/ available for sale -
3) Dimiliki hingga jatuh tempo/held to maturity -
4) Pinjaman yang diberikan dan piutang/ loans -
and receivables
b. Surat Berharga Korporasi/Corporate Securities 23.568 - - - - 19.857 3.710 -
1) Diperdagangkan/trading - - - - - - - -
2) Tersedia untuk dijual/ available for sale - - - - - - - -
3) Dimiliki hingga jatuh tempo/held to maturity 23.568 - - - - 19.857 3.710 -
4) Pinjaman yang diberikan dan piutang/ loans - - - - - - - -
and receivables
c. Lainnya/Other - - - - - - - -
5. Kredit yang Diberikan/Loans 242.515 146.998 - - 93 8.593 45.109 41.722
a. Belum Jatuh Tempo/Non Past Due 242.515 146.998 - - 93 8.593 45.109 41.722
b. Sudah Jatuh Tempo/Past Due - - - - - - - -
6. Tagihan Lainnya/Other Receivable 15.087 - 6.494 - 8.593 - - -
a. Tagihan atas Surat Berharga yang dibeli dengan - - - - - - - -
janji dijual kembali (RR)/Claims on Securities
purchased under agreements to resell (RR)
b. Lainnya/Other 15.087 - 6.494 - 8.593 - - -
7. Lain-lain/Others - - - - - - - -
637.612 11.213
B. Kewajiban/Liabilities 626.399 386.509 10.522 124.860 102.839 32 1.638 -
1. Dana Pihak Ketiga/ Third Party Funds 492.967 264.809 4.028 124.860 97.601 32 1.638 -
b. Tabungan/Saving Accounts 37.368 37.368 - - - - - -
c. Simpanan Berjangka/Time Deposits 261.773 33.615 4.028 124.860 97.601 32 1.638 -
1) Deposito on call - - - - - - - -
2) Deposito berjangka/Time Deposits 261.773 33.615 4.028 124.860 97.601 32 1.638 -
3) Lainnya/Other - - - - - - - -
2. Kewajiban kepada Bank Indonesia/Liabilities on - - - - - - - -
Bank Indonesia
3. Kewajiban kepada bank lain/Liabilities on Other Bank 121.700 121.700 - - - - - -
4. Surat Berharga yang Diterbitkan/Securities Issued - - - - - - - -
a. Obligasi/Bonds - - - - - - - -
b. Subordinasi/Subordinated - - - - - - - -

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
391
RISK MANAGEMENT
3HQJXQJNDSDQ 3URÀO 0DWXULWDV 9DODV ² %DQN 'LVFORVXUH RI 5XSLDK 0DWXULW\ 3URÀOH ² %DQN 2QO\
VHFDUD.RQVROLGDVLGHQJDQ,QGLYLGXDO7DEHOE (Table 9.1.b) (Rp Million)
(Rp Juta)

Balance
1 week minggu bulan >1 -3 months >3 - 6 months >6 - 12 months >12 months
>1 weeks - 2 >2 weeks- 1
weeks months
5. Pinjaman yang Diterima/Borrowings - - - - - - - -

a. Pinjaman Subordinasi/Subordinated Borrowings - - - - - - - -
b. Lainnya/Other - - - - - - - -
6. Kewajiban Lainnya/Other Liabilities 11.732 - 6.494 - 5.238 - - -
a. Kewajiban atas Surat Berharga yang dijual 11.732 - 6.494 - 5.238 - - -
dengan janji dibeli kembali (Repo)/Liability for
Securities sold under repurchase agreements
(Repo)
- - - - - - -
& 6HOLVLK$VHWGHQJDQ.HZDMLEDQGDODP1HUDFD (148.043) 1.949.656 (2.636.565) (1.822.487) (1.768.779) (348.849) 850.971 11.294.663
'LIIHUHQFH$VVHWVWR/LDELOLWLHVLQWKH%DODQFH
6KHHW
- - - - - - -
II. Rekening Administratif/ Off-Balance Sheet - - - - - - -
A. 7DJLKDQ5HNHQLQJ$GPLQLVWUDWLI2II%DODQFH - - - - - - - -
6KHHW5HFHLYDEOHV
1. Komitmen/Commitments - - - - - - - -
a. Fasilitas pinjaman yang belum ditarik/Undrawn - - - - - - - -
borrowing facilities
b. Irrevocable L/C yang masih berjalan/Irrevocable - - - - - - - -
L/C is still running
c. Posisi pembelian spot dan derivatif yang masih - - - - - - - -
berjalan/Outstanding buying spot and derivative
1) Spot - - - - - - - -
2) Derivatif - - - - - - - -
d. Lainnya/Other - - - - - - - -
2. Kontijensi/Contingencies - - - - - - -
436.445 13.043 2.461 1.255 30.244 188.122 165.159 36.160
B. .HZDMLEDQ5HNHQLQJ$GPLQLVWUDWLILiabilities 68.889 - - - 1.714 65.834 1.298 43
%DODQFH6KHHW
1. Komitmen/Commitments 75 - - - - 0 32 43
a. Fasilitas pinjaman yang belum ditarik/Undrawn 68.813 - - - 1.714 65.834 1.266 -
b. Irrevocable L/C yang masih berjalan/Irrevocable L - - - - - - - -
/ C is still running
1) Spot - - - - - - - -
2) Derivatif - - - - - - - -
d. Lainnya/Other 367.557 13.043 2.461 1.255 28.530 122.288 163.861 36.118
2. Kontijensi/Contingencies - - - - - - -
(436.445) (13.043) (2.461) (1.255) (30.244) (188.122) (165.159) (36.160)
& 6HOLVLK7DJLKDQGDQ.HZDMLEDQGDODP5HNHQLQJ - - - - - - -
$GPLQLVWUDWLI'LIIHUHQFHLQ$FFRXQW5HFHLYDEOHV
DQG3D\DEOHV$GPLQLVWUDWLYH
(584.489) (55.368) (6.489) (126.115) (124.396) (159.703) (117.979) 5.562
6HOLVLK,$,%,,$,,%
6HOLVLK.XPXODWLI&XPXODWLYH'LIIHUHQFHV (55.368) (61.857) (187.973) (312.369) (472.072) (590.051) (584.489)

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
MANAJEMEN RISIKO
E 1SPmM.BUVSJUBT7BMBTo#BOLTFDBSB,POTPMJEBTJ E .BUVSJUZQSPmMF3VQJBI$POTPMJEBUFE#BOL
3HQJXQJNDSDQ 3URÀO 0DWXULWDV 9DODV ² %DQN 'LVFORVXUH RI 5XSLDK 0DWXULW\ 3URÀOH ² %DQN
VHFDUD3HUXVDKDDQ$QDN7DEHOE(Rp Juta) &RQVROLGDWHG7DEOHE(Rp Million)
%DODQFH
1 week minggu bulan !PRQWKV !PRQWKV ! !PRQWKV
!ZHHNV !ZHHNV PRQWKV
weeks PRQWKV
A. Asset/Assets 478.355 344.184 6.494 - 8.686 28.450 48.819 41.722

1. Kas/Cash 15.319 15.319 - - - - - -
2. Penempatan pada Bank Indonesia/Placement to 41.378 41.378 - - - - - -
Bank Indonesia
b. SBI - - - - - - - -
c. Lainnya/Other (Depo Facility, Term Deposit & - - - - - - - -
Reverse Repo)
3. Penempatan pada bank lain/Interbank placement 140.489 140.489 - - - - - -
4. Surat Berharga/Securities 23.567 - - - - 19.857 3.710 -
a. SUN - - - - - - - -
3) Dimiliki hingga jatuh tempo/held to maturity - - - - - - - -
and receivables
b. Surat Berharga Korporasi/Corporate Securities 23.567 - - - - 19.857 3.710 -
3) Dimiliki hingga jatuh tempo/held to maturity 23.567 - - - - 19.857 3.710 -
and receivables
5. Kredit yang Diberikan/Loans 242.515 146.998 - - 93 8.593 45.109 41.722
a. Belum Jatuh Tempo/Non Past Due 242.515 146.998 - - 93 8.593 45.109 41.722
b. Sudah Jatuh Tempo/Past Due - - - - - - - -
6. Tagihan Lainnya/Other Receivable 15.087 - 6.494 - 8.593 - - -
a. Tagihan atas Surat Berharga yang dibeli dengan - - - - - - - -
janji dijual kembali (RR)/Claims on Securities
purchased under agreements to resell (RR)
b. Lainnya/Other 15.087 - 6.494 - 8.593 - - -
637.612 22.944
B. Kewajiban/Liabilities 614.668 386.509 4.028 124.860 97.601 32 1.638 -
1. Dana Pihak Ketiga/ Third Party Funds 492.968 264.809 4.028 124.860 97.601 32 1.638 -
b. Tabungan/Saving Accounts 37.368 37.368 - - - - - -
c. Simpanan Berjangka/Time Deposits 261.774 33.615 4.028 124.860 97.601 32 1.638 -
1) Deposito on call - - - - - - - -
2) Deposito berjangka/Time Deposits 261.774 33.615 4.028 124.860 97.601 32 1.638 -
3) Lainnya/Other - - - - - - - -
2. Kewajiban kepada Bank Indonesia/Liabilities on - - - - - - - -
Bank Indonesia
3. Kewajiban kepada bank lain/Liabilities on Other Bank 121.700 121.700 - - - - - -
4. Surat Berharga yang Diterbitkan/Securities Issued - - - - - - - -
a. Obligasi/Bonds - - - - - - - -
b. Subordinasi/Subordinated - - - - - - - -

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
393
RISK MANAGEMENT
3HQJXQJNDSDQ 3URÀO 0DWXULWDV 9DODV ² %DQN 'LVFORVXUH RI 5XSLDK 0DWXULW\ 3URÀOH ² %DQN
VHFDUD3HUXVDKDDQ$QDN7DEHOE(Rp Juta) &RQVROLGDWHG7DEOHE(Rp Million)
%DODQFH
1 week minggu bulan !PRQWKV !PRQWKV ! !PRQWKV
!ZHHNV !ZHHNV PRQWKV
weeks PRQWKV
5. Pinjaman yang Diterima/Borrowings - - - - - - - -

a. Pinjaman Subordinasi/Subordinated Borrowings - - - - - - - -
6. Kewajiban Lainnya/Other Liabilities - - - - - - - -
a. Kewajiban atas Surat Berharga yang dijual - - - - - - - -
dengan janji dibeli kembali (Repo)/Liability for
Securities sold under repurchase agreements
(Repo)
- - - - - - -
& 6HOLVLK$VHWGHQJDQ.HZDMLEDQGDODP1HUDFD (136.313) 1.949.656 (2.636.565) (1.822.487) (1.768.779) (348.849) 850.971 11.294.663
'LIIHUHQFH$VVHWVWR/LDELOLWLHVLQWKH%DODQFH
6KHHW
- - - - - - -
II. Rekening Administratif/ Off-Balance Sheet - - - - - - -
A. 7DJLKDQ5HNHQLQJ$GPLQLVWUDWLI2II%DODQFH - - - - - - - -
6KHHW5HFHLYDEOHV
b. Irrevocable L/C yang masih berjalan/Irrevocable - - - - - - - -
L/C is still running
1) Spot - - - - - - - -
2) Derivatif - - - - - - - -
2. Kontijensi/Contingencies - - - - - - - -
- - - - - - - -
B. .HZDMLEDQ5HNHQLQJ$GPLQLVWUDWLILiabilities - - - - - - - -
%DODQFH6KHHW
b. Irrevocable L/C yang masih berjalan/Irrevocable L - - - - - - - -
/ C is still running
1) Spot - - - - - - - -
2) Derivatif - - - - - - - -
2. Kontijensi/Contingencies - - - - - - - -
- - - - - - - -
& 6HOLVLK7DJLKDQGDQ.HZDMLEDQGDODP5HNHQLQJ - - - - - - -
$GPLQLVWUDWLI'LIIHUHQFHLQ$FFRXQW5HFHLYDEOHV
DQG3D\DEOHV$GPLQLVWUDWLYH
(136.313) (42.325) 2.466 (124.860) (88.915) 28.418 47.181 41.722
6HOLVLK,$,%,,$,,%
6HOLVLK.XPXODWLI&XPXODWLYH'LIIHUHQFHV (42.325) (39.859) (164.719) (253.634) (225.216) (178.035) (136.313)

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
MANAJEMEN RISIKO
' 5LVLNR2SHUDVLRQDO ' 2SHUDWLRQDO5LVN

Risiko Operasional adalah risiko akibat ketidakcukupan 0QFSBUJPOBM SJTL JT SJTLT EVF UP JOTVGmDJFOU BOE PS
dan/atau tidak berfungsinya proses internal, kesalahan failed internal processes, human error, system failure,
manusia, kegagalan sistem, dan/atau adanya kejadian- and/ or the existence of external events affecting the
kejadian eksternal yang mempengaruhi operasional operations of the bank. Operational risks are inherent
bank. Risiko operasional melekat kepada seluruh to all bank activities, therefore operational risks can not
aktivitas bank, oleh karena itu risiko operasional tidak be eliminated but can be controlled through adequate
dapat dihilangkan namun dapat dikendalikan melalui risk mitigations. The impact of operational risk losses
mitigasi risiko yang memadai. Dampak kerugian dari DBO CF JO UIF GPSN PG mOBODJBM MPTT PS OPOmOBODJBM
risiko operasional dapat berupa kerugian keuangan loss.
atau kerugian non keuangan.
Bank melakukan tata kelola mengenai pengelolaan The bank conducts governance on the management
risiko operasional yang dilakukan melalui three line of of operational risk, performed through the three line of
defense yaitu risk taking unit sebagai lini pertahanan EFGFOTF OBNFMZUIFSJTLUBLJOHVOJUBTUIFmSTUMJOFPG
pertama, unit kerja Operational Risk Management defense, the Operational Risk Management unit as the
sebagai lini pertahanan kedua, serta Internal Audit second line of defense, as well as the Internal Audit as
sebagai lini pertahanan ketiga. the third line of defense.
Lini pertahanan pertama memiliki tanggung jawab 5IF mSTU MJOF PG EFGFOTF IBT UIF SFTQPOTJCJMJUZ UP
untuk memastikan bahwa seluruh proses operasional ensure that all operational processes are carried
yang dilakukan telah sesuai dengan kebijakan dan out in compliance with the applicable policies and
QSPTFEVS ZBOH CFSMBLV NFMBLVLBO JEFOUJmLBTJ SJTJLP QSPDFEVSFT DPOEVDUJOHPQFSBUJPOBMSJTLJEFOUJmDBUJPO
operasional serta melakukan mitigasi atas peristiwa as well as conducting mitigations on operational risk
kejadian risiko operasional. Lini pertahanan kedua occurrence events. The second line of defense which
yang berfungsi untuk mendukung dan memastikan unit TFSWFTUPTVQQPSUBOEFOTVSFUIFXPSLVOJUJOUIFmSTU
kerja pada lini pertahanan pertama telah melakukan line of defense has conducted the management of
pengelolaan risiko secara efektif. Lini pertahanan risk effectively. The third line of defense has a role to
ketiga memiliki peran untuk memastikan proses ensure that the operational risk management process
pengelolaan risiko operasional yang dilakukan oleh DPOEVDUFE CZ UIF mSTU BOE TFDPOE MJOF PG EFGFOTF
lini pertahanan pertama dan kedua telah berlangsung has been effective in mitigating risk events that have
secara efektif dalam memitigasi kejadian risiko yang already occurred and that are potential in order to
sudah terjadi maupun yang bersifat potensial agar avoid the potential loss to the Bank.
tidak menimbulkan potensi kerugian bagi Bank.
3HQJDZDVDQ $NWLI 'HZDQ .RPLVDULV GDQ $FWLYH6XSHUYLVLRQE\WKH%RDUGRI&RPPLVVLRQHUV

'LUHNVL DQGWKH%RDUGRI'LUHFWRUV
Dewan Komisaris dan Direksi melakukan The Board of Commissioners and the Board
pengawasan aktif atas manajemen risiko of Directors conduct active supervision on the
operasional, antara lain melalui Komite Risiko baik management of operational risk at the level of both the
yang berada pada level komisaris maupun direksi. commissioners and directors. In the implementation
Dalam pelaksanaan pengawasan aktif yang of active supervision conducted by the Board of
dilakukan Dewan Komisaris, dilakukan melalui Commissioners, is conducted by the Risk Monitoring
Komite Pemantau Risiko. Sementara pada tingkat Committee. While at the level of Directors is conducted
Direksi dilakukan melalui Komite Manajemen by the Risk Management Committee which among
Risiko yang antara lain membahas mengenai other things discussed the bank’s risk management

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
395
RISK MANAGEMENT
kebijakan manajemen risiko bank. Dalam rangka policies. In order to minimize the incidence of fraud,
meminimalisir kejadian fraud, Direksi melakukan the Board of Directors performs disseminations to all
sosialisasi kepada seluruh karyawan mengenai employees regarding the preventions related to fraud
pencegahan terkait fraud sebagai langkah untuk as a way to increase employees’ awareness on the
meningkatkan awareness karyawan mengenai incidence of fraud.
kejadian fraud.
Bank memiliki unit kerja independen yang The Bank has an independent unit carrying out
melaksanakan pengelolaan manajemen risiko the bankwide management of operational risk
operasional secara bankwide yaitu Grup Risiko management, namely the Operational Risk Group
Operasional yang berada di bawah Divisi which is under the Risk Management Division. This
Manajemen Risiko. Unit ini memiliki peran dalam unit has a role in setting operational risk management
menetapkan standar dan kebijakan pengelolaan standards and policies, and have relations and
risiko operasional, dan berhubungan serta coordinations with all business units and supporting
berkoordinasi dengan seluruh unit bisnis dan units to ensure that the mitigation measures conducted
supporting unit untuk memastikan langkah mitigasi IBWFCFFOTVGmDJFOUBOEBEFRVBUFUPQSFWFOUQPUFOUJBM
yang dilakukan telah cukup dan memadai untuk operational risks.
mencegah potensi risiko operasional.
Bank melakukan pengelolaan risiko operasional The Bank manages operational risk in all activities,
pada seluruh aktivitas, dimana seluruh karyawan in which all employees are required to participate in
wajib berperan serta dalam mengelola risiko managing operational risk in their respective work unit
operasional pada unit kerja masing-masing as well as with regards to effective control to anticipate
serta memperhatikan kontrol yang efektif untuk risks that may be detrimental to the bank.
mengantisipasi kemungkinan terjadinya risiko
yang dapat merugikan bank.

Limit of Limit
Bank telah memiliki kebijakan serta pedoman The bank has an operational risk management policy
manajemen risiko operasional yang secara berkala and guidelines that are updated and evaluated
dilakukan pembaharuan dan evaluasi atas kebijakan regularly on the bank’s risk management policies and
dan pedoman manajemen risiko bank tersebut. guidelines. In addition, the bank also has other policies
Selain itu bank juga telah memiliki kebijakan lain related to the management of operational risk, including
terkait manajemen risiko operasional, diantaranya anti-fraud policy, the Business Continuity Management
kebijakan anti fraud, kebijakan Business Continuity policy in which includes the Business Continuity
Management yang didalamnya meliputi Business Plan as the Bank’s business continuity procedures,
Continuity Plan sebagai prosedur kelangsungan Emergency Response Plan as an emergency response
usaha Bank, Emergency Response Plan sebagai procedures in order to rescue data and assets as
prosedur tanggap darurat bencana dalam rangka well as the Disaster Recovery Plan as the system
penyelamatan data dan asset serta Disaster sustainability procedures, and Information Technology
Recovery Plan sebagai prosedur kelangsungan supporting infrastructures, the Information Technology
sistem dan infrastruktur pendukung Teknologi management Policies. In addition, related to the new
Informasi, Kebijakan pengelolaan Teknologi products and activities development, prior analysis
Informasi. Disamping itu terkait dengan kebijakan to assess the risks inherent to the activity/product is
pengembangan produk dan aktivitas baru terlebih conducted.
dahulu dilakukan analisa untuk menilai risiko yang
melekat terhadap aktivitas/produk tersebut.

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
MANAJEMEN RISIKO
Bank memiliki prosedur operasional untuk proses The Bank has an operational procedure for the activities
aktivitas kegiatan operasional bank yang harus of bank operations to be performed by each unit of
dilaksanakan oleh setiap unit kerja dengan work by observing an adequate internal control system
memperhatikan sistem pengendalian intern so as to minimize the likelihood of operational risk at
yang memadai sehingga dapat meminimalisir the bank. In addition the bank has a policy related
kemungkinan terjadinya risiko operasional pada to the operations of the authority limit, separation of
bank. Selain itu bank memiliki kebijakan terkait duties and responsibilities at each level positions, as
limit kewenangan dalam kegiatan operasional, well as the approval for any escalation.
pemisahan tugas dan tanggung jawab pada
setiap level jabatan, serta adanya approval untuk
setiap eskalasi.

Dalam mendukung penerapan majemen risiko In support of the application of operational risk
PQFSBTJPOBMVOUVLQSPTFTJEFOUJmLBTJ QFOHVLVSBO NBOBHFNFOU GPS UIF QSPDFTT PG JEFOUJmDBUJPO
pemantauan, dan pengendalian Risiko, bank telah measurement, monitoring, and controlling risks, the
mengembangkan alat bantu manajemen risiko bank has developed risk management instruments,
yaitu: namely:
- Risk Control Self Assessment (RCSA) - Risk Control Self Assessment (RCSA) which is a
merupakan penilaian sendiri untuk mengukur self- assessment to measure the risk exposure of a
eksposur risiko dari kumpulan risk register set of risk registers as an analysis of the potential
sebagai analisis potensi risiko dari kegiatan risks of bank operations. RCSA assessment
operasional bank. Penilaian RCSA mencakup includes an assessment of the risk control system
assessment untuk sistem pengendalian risiko which has been implemented in the bank
yang telah diimplementasikan bank - Key Risk Indicator is a tool that is used to measure
- Key Risk Indicator merupakan tools yang the risk exposure through measurement against
digunakan untuk mengukur eksposur risiko risk indicators that are set as key risks as an early
melalui pengukuran terhadap indikator risiko warning in detecting potential risks.
yang ditetapkan sebagai key risk sebagai early - Loss Event Database is a data collection of
warning dalam mendeteksi potensi-potensi occurred risk events. This data is intended as a
risiko. GVMmMMNFOU PG JOUFSOBM MPTT EBUBCBTF UIFSFGPSF UIF
- Loss Event Database merupakan pengumpulan bank has the data of loss which occurred to the
data peristiwa risiko yang terjadi. Data ini bank, in addition the data can also be used for
bertujuan sebagai pemenuhan internal loss the measurement of capital adequacy with more
database sehingga bank memiliki data advanced methods.
kerugian yang pernah terjadi pada bank selain
itu data tersebut juga dapat digunakan untuk
pengukuran kecukupan modal dengan metode
yang lebih advance.

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
397
RISK MANAGEMENT
Disamping itu bank telah menjadi anggota In addition, the bank has become a member of the
Konsorsium Data Kerugian Eksternal (KDKE), External Data Loses Consortium (KDKE), in which
dimana dalam konsorsium tersebut menyediakan the consortium provides a database of risk events
database risk event yang terjadi pada bank lain which occurred at other banks that are members of
yang tergabung dalam konsorsium tersebut UIFDPOTPSUJVNXIJMFNBJOUBJOJOHUIFDPOmEFOUJBMJUZPG
dengan tetap menjaga kerahasian bank tersebut. the bank. Participation in the consortium is one way
Keikutsertaan dalam konsorsium tersebut UP DPOEVDU B SJTL JEFOUJmDBUJPO BT XFMM BT JODSFBTJOH
merupakan salah satu cara untu melakukan awareness on risk event which occurred at other
JEFOUJmLBTJ SJTJLP TFSUB NFOJOHLBULBO awareness banks.
terhadap risk event yang terjadi pada bank lain.
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dan pengendalian risiko operasional tersebut monitoring and operational risk control requires the
diperlukan dukungan infrastruktur dan sumber support of necessary infrastructures and adequate
daya manusia yang memadai sesuai dengan human resources in accordance with the scope and
lingkup dan kompleksitas bisnis bank. complexity of the bank’s business.
Untuk pengukuran risiko operasional yang To assess operational risk associated with capital
terkait dengan alokasi modal dan ATMR risiko allocation and the RWA of operational risk, the bank
operasional, maka bank dilakukan perhitungan performed calculations with the Basic Indicator
dengan metode Basic Indicator Approach sesuai Approach method in accordance with the provisions of
dengan ketentuan dari regulator. the regulator.
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%DQNVHFDUD,QGLYLGXDO7DEHOD(Rp Juta) Only (Table 8.1.a) (Rp Million)
No Kategori Portofolio/Portfolio 'HVHPEHU'HFHPEHU 'HVHPEHU'HFHPEHU
&DWHJRU\
3HQGDSDWDQ %HEDQ0RGDO ATMR/RWA 3HQGDSDWDQ %HEDQ0RGDO ATMR/RWA
%UXWR5DWD Capital Charge %UXWR5DWD Capital Charge
UDWDWDKXQ UDWDWDKXQ
WHUDNKLUGross WHUDNKLUGross
Income (average Income (average
last 3 years) last 3 years)
(1) (2) (3) (4) (5) (6) (7) (8)
1 Pendekatan Indikator Dasar/ 3.841.955 576.293 7.203.666 3.335.531 500.330 6.254.121

Basic Indicator Approach
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%DQN VHFDUD .RQVROLGDVL GHQJDQ 3HUXVDKDDQ &RQVROLGDWHG7DEOHE(Rp Million)
Anak (Tabel 8.1.b.) (Rp Juta)
No Kategori Portofolio/Portfolio 'HVHPEHU'HFHPEHU 'HVHPEHU'HFHPEHU
&DWHJRU\
3HQGDSDWDQ %HEDQ0RGDO ATMR/RWA 3HQGDSDWDQ %HEDQ0RGDO ATMR/RWA
%UXWR5DWD Capital Charge %UXWR5DWD Capital Charge
UDWDWDKXQ UDWDWDKXQ
WHUDNKLUGross WHUDNKLUGross
Income (average Income (average
last 3 years) last 3 years)
(1) (2) (3) (4) (5) (6) (7) (8)
1 Pendekatan Indikator Dasar/ 3.841.955 576.293 7.203.666 3.335.531 500.330 6.254.121

Basic Indicator Approach

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
MANAJEMEN RISIKO
Dalam penyajian informasi mengenai risiko In presenting the information on operational risks
operasional yang dihadapi, bank telah menyusun faced, the bank has developed a number reports
beberapa pelaporan mengenai eksposur on operational risk exposure among others,
SJTJLP PQFSBTJPOBM EJBOUBSBOZB ZBJUV QSPmM SJTJLP CBOLXJEF PQFSBUJPOBM SJTL QSPmMF UIBU JT QSFQBSFE
operasional secara bankwide yang disusun periodically, in addition, the bank also create
secara berkala, selain itu bank juga membuat reports on a regular basis on operational risk events
laporan secara rutin mengenai kejadian risiko based on data obtained from the risk management
operasional berdasarkan data yang diperoleh tools, there are also incidental risk reports that are
dari tools manajemen risiko, terdapat juga laporan made in accordance with the requirements based
risiko secara insidental yang dibuat sesuai dengan on occurring risk events.
kebutuhan berdasdarkan risk event yang terjadi.

6LVWHPSHQJHQGDOLDQLQWHUQDOGDODPSHQHUDSDQ 7KH LQWHUQDO FRQWURO V\VWHP LQ WKH
PDQDMHPHQULVLNRPHQFDNXS LPSOHPHQWDWLRQRIULVNPDQDJHPHQWLQFOXGH
• Prosedur operasional yang sesuai dengan • Operational procedures that are in accordance
proses aktivitas kegiatan operasional bank with the activities of bank operations so as to
sehingga dapat meminimalisir kemungkinan minimize the likelihood of the bank’s operational
terjadinya risiko operasional pada bank. risk.
• Kebijakan terkait limit kewenangan dalam • Policies related to the limit authority in
kegiatan operasional, pemisahan tugas dan operational activities, separation of duties and
tanggung jawab pada setiap level jabatan, responsibilities at each level positions, as well
serta adanya approval untuk setiap eskalasi. as the existence of approval for any escalation.
• Pemisahan fungsi yang jelas antara antara unit • A clear separation of functions between the
bisnis dan unit pendukung dengan unit yang business units and the supporting units with
melaksanakan fungsi pengendalian. units that perform the control functions.
E. Risiko Hukum E. Legal Risk

Risiko Hukum adalah risiko akibat tuntutan hukum Legal risk is the risk due to lawsuits and/or weakness
dan/atau kelemahan aspek yuridis. Kelemahan aspek in the juridical aspects. Weakness in the juridical
yuridis antara lain disebabkan adanya tuntutan hukum, aspects are among others due to lawsuit, the absence
ketiadaan peraturan perundang-undangan yang of supporting laws and regulations, or contract
mendukung, atau kelemahan perikatan seperti tidak weaknesses such as non-compliance with the terms of
dipenuhinya syarat sahnya kontrak dan pengikatan the contract’s validity and imperfect collateral contract.
agunan yang tidak sempurna. Risiko hukum antara lain Legal risks can be derived from, among others, the
dapat bersumber dari pada operasional, perjanjian operation, the agreement with the third party, legal
dengan pihak ketiga, ketidakpastian hukum dan uncertainties and the negligence in the application of
kelalaian penerapan hukum, hambatan dalam proses the law, the obstacles in the litigation process for the
litigasi untuk penyelesaian klaim, serta masalah settlement of claims, as well as jurisdictional issues
yurisdiksi antar negara. between countries.
Para pihak yang berkepentingan terkait dengan Stakeholders associated with the legal risk are
risiko hukum yaitu Dewan Komisaris, Direksi dan the Board of Commissioners, Directors and all

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
399
RISK MANAGEMENT
seluruh karyawan bank, dimana para pihak tersebut employees of the bank, where the parties are
bertanggung jawab dalam pengelolaan risiko responsible for the management of legal risk.
hukum. Dewan Komisaris dan Direksi memantau The Board of Commissioners and the Board
risiko hukum antara lain melalui pelaporan risiko of Directors monitors the legal risks, among
hukum serta laporan lainnya yang berkaitan others, through the legal risk reporting and other
dengan legal. Dalam pelkasanaan pengelolaan reports relating to legal. In the implementation of
risiko hukum bank telah memiliki unit kerja khusus legal risk management, the bank has a special
yang menangani permasalahan di bidang hukum unit that handles legal issues which consists of
yang terdiri dari bagian litigasi dan non litigasi. Unit litigation and non-litigation division. The units
yang menjalankan fungsi pengelolaan tersebut performing the legal risk management function is
risiko hukum tersebut adalah Divisi Hukum yang the Legal Division which is under the Directorate
berada di bawah Direktorat Operasional dan telah of Operations and has been separated from the
terpisah dari fungsi pengelolaan risiko kepatuhan. compliance risk management functions.
.HFXNXSDQ.HELMDNDQ3URVHGXUGDQ3HQHWDSDQ $GHTXDF\ RI 3ROLF\ 3URFHGXUH DQG

Limit (VWDEOLVKPHQWRI/LPLW
Bank telah memiliki kebijakan serta pedoman The bank has a legal risk management policy
Manajemen risiko hukum yang secara berkala and guidelines that are updated and evaluated
dilakukan pembaharuan dan evaluasi atas regularly on the bank’s risk management policies
kebijakan dan pedoman manajemen risiko bank and guidelines. In addition, the bank also has
tersebut. Selain itu bank juga telah memiliki other policies related to the management of legal
kebijakan dan prosedur dalam pengelolaan di risk to ensure that the bank’s activities have been in
bidang hukum untuk memastikan bahwa aktivitas accordance with the provisions of the regulations
bank telah sesuai dengan ketentuan perundang- as well as other applicable legislations, therefore
undangan serta peraturan lainnya yang berlaku, the bank will be able to avoid legal risks.
sehingga bank dapat terhindar dari risiko hukum.
Selain itu bank telah memiliki standardisasi In addition, the bank has had a standardized
dokumen hukum bagi produk dan layanan bank legal documents for products and services of the
yang dilakukan review secara berkala sesuai bank which are reviewed on a regular basis in
dengan perkembangan bisnis bank. Bank juga accordance with the bank’s business development.
melakukan kajian risiko hukum untuk setiap The bank also perform legal risk assessments for
produk dan aktivitas baru sebagai langkah untuk each new products and activities as a measure to
memitigasi risiko hukum. mitigate the legal risk.
.HFXNXSDQ 3URVHV ,GHQWLÀNDVL 3HQJXNXUDQ $GHTXDF\ LQ WKH 3URFHVV RI ,GHQWLÀFDWLRQ
3HPDQWDXDQ GDQ 3HQJHQGDOLDQ 5LVLNR VHUWD 0HDVXUHPHQW0RQLWRULQJDQG5LVN&RQWURODV
Sistem Informasi Manajemen Risiko well as Risk Management Information System
Dalam kecukupan proses penerapan manajemen In terms of the adequacy of risk management
SJTJLP CBOL NFMBLVLBO JEFOUJmLBTJ QFOHVLVSBO implementation process, the bank conducts
pemantauan dan pengendalian atas risiko hukum JEFOUJmDBUJPO NFBTVSFNFOU NPOJUPSJOH BOE
oleh Divisi Hukum. Divisi Hukum tersebut bertindak control of legal risk through the Legal Division. The
sebagai “legal watch” yang menyediakan analisis/ Legal Division acts as a “legal watch” that provides
advis hukum kepada seluruh pegawai pada setiap analysis/ legal advice to all employees at every
jenjang organisasi, selain itu juga berfungsi dalam level of the organization, also serves to provide a

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
MANAJEMEN RISIKO
memberikan opini legal dalam setiap perjanjian legal opinion on any collaboration agreement to
kerja sama yang akan dilakukan oleh bank. Bank be performed by the bank. In managing the legal
dalam melakukan pengelolaan risiko hukum risk, the bank is assisted by a legal counsel for
dibantu oleh konsultan hukum untuk penanganan the handling of legal issues that occur, in which it
kasus hukum yang terjadi, dimana hal tersebut is conducted to mitigate the impact of a broader
dilakukan untuk memitigasi dampak risiko hukum legal risks.
yang lebih luas.
Dalam melakukan pengendalian risiko hukum In conducting the legal risk control, the bank conducts
bank melakukan beberapa hal diantaranya yaitu: several things such as:
- Proses kajian hukum dan pemberian opini atas - Legal review process and providing opinion on
produk serta layanan bank termasuk aktivitas the bank’s products and services including new
dan produk baru activities and products
- Terdapat standardisasi dokumen hukum bagi - Standardized legal documents for the bank’s
produk dan layanan bank products and services
- Kaji ulang terhadap dokumen-dokumen - Review of the prevailing legal documents that are
legal yang berlaku yang disesuaikan dengan tailored to the business development
perkembangan bisnis - Adequate legal policies and procedures
- Kebijakan dan prosedur hukum yang memadai - Handling legal cases which is also assisted by
- Melakukan penanganan kasus hukum yang legal counsel if necessary
dibantu juga oleh konsultan hukum apabila - Assist related units in handling legal cases
diperlukan - Provide legal information and knowledge to
- Membantu unit-unit terkait dalam penanganan relevant units
kasus hukum - Document every legal risk occurrence and the
- Memberikan informasi dan pengetahuan amount of potential loss due to the legal risks
hukum kepada unit-unit terkait
- Mendokumentasikan setiap kejadian risiko
hukum dan jumlah potensi kerugian akibat
risiko hukum tersebut.

Sistem pengendalian internal yang menyeluruh Comprehensive internal control system in
dalam proses pelaksanaan manajemen risiko the implementation process of the legal risk
hukum dilaksanakan secara berkala oleh Divisi management is conducted periodically by the
Hukum dan berkoordinasi dengan Satuan Kerja Legal Division and in coordination with the Risk
Manajemen Risiko dan Satuan Kerja Audit Internal. Management Unit and the Internal Audit Unit.
) 5LVLNR.HSDWXKDQ ) &RPSOLDQFH5LVN

Risiko Kepatuhan adalah risiko akibat bank tidak Compliance risk is the risk due to the inability of the
memenuhi dan/atau tidak melaksanakan peraturan bank to comply and/or implement the applicable
perundang-undangan dan ketentuan yang berlaku. legislations and regulations. Compliance risk
Pengelolaan risiko kepatuhan dilakukan melalui management is conducted through the application of
penerapan sistem pengendalian intern yang konsisten. a consistent internal control system.

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
401
RISK MANAGEMENT
Para pihak yang berkepentingan terkait dengan Stakeholders associated with the Compliance risk
risiko Kepatuhan yaitu Dewan Komisaris, are the Board of Commissioners, Directors and
Direksi dan seluruh karyawan bank, dimana all employees of the bank, where the parties are
para pihak tersebut bertanggungjawab dalam responsible for the management of compliance
pengelolaan risiko kepatuhan. Penerapan prinsip risk. Application of the compliance principles
dan budaya kepatuhan dimulai dari komitmen and culture starts from the commitment of the
Dewan komisaris dan Direksi untuk memenuhi Board of Commissioners and the Board of
seluruh ketentuan yang berlaku. Kepatuhan Directors to comply with all applicable regulations.
terhadap ketentuan dan peraturan yang berlaku Compliance to the applicable rules and regulations
merupakan tanggung jawab dari seluruh jajaran is the responsibility of all levels of the organization
organisasi termasuk Dewan Komisaris, Direksi dan including the Board of Commissioners, the Board
seluruh karyawan. of Directors, and all employees.
Struktur organisasi dalam melakukan pengelolaan The organizational structure in managing

risiko kepatuhan, bank telah membentuk unit compliance risk, the bank has established a
kerja kepatuhan yaitu Divisi Kepatuhan yang compliance unit, namely the Compliance Division
bertanggung jawab untuk memastikan bahwa which is responsible to ensure all units in the bank
seluruh unit yang ada di bank telah mematuhi has complied with these regulations. While the
pada peraturan-peraturan tersebut. Sementara party Responsible for the compliance of a unit to
penanggung jawab atas kepatuhan suatu unit any applicable regulations are in each risk taking
terhadap setiap peraturan yang berlaku berada unit.
pada setiap risk taking unit.

Bank telah memiliki kebijakan serta pedoman The bank has a compliance risk management
Manajemen risiko kepatuhan yang secara policy and guidelines that are updated and
berkala dilakukan pembaharuan dan evaluasi evaluated regularly on the policies and guidelines
atas kebijakan dan pedoman manajemen of the bank’s risk management. In addition, the
risiko bank tersebut. Selain itu bank juga telah bank also has a policy regarding the Anti Money
memiliki kebijakan mengenai Kebijakan Program Laundering (AML) and Countering the Financing of
Anti Pencucian Uang (APU) dan Pencegahan Terrorism (CFT) Policy, in which discussed among
Pendanaan Terorisme (PPT) yang diantaranya others suspicious transactions as well as updating
membahas mengenai transaksi-transaksi yang the customer data, Policy on Gratuity Control
mencurigakan serta pengkinian data nasabah, in cooperation with the Corruption Eradication
,FCJKBLBO NFOHFOBJ 1FOHFOEBMJBO (SBUJmLBTJ Commission (KPK) and the presence of the
yang bekerja sama dengan Komisi Pemberantasan Compliance Procedure for work units.
Korupsi (KPK) dan terdapat Prosedur Kepatuhan
untuk unit kerja.

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
MANAJEMEN RISIKO
Bank telah memiliki kebijakan mengenai pelaporan The bank has a policy in reporting compliance
kepatuhan melalui compliance sheet kepada unit through the compliance sheet to related units. In
kerja terkait. Selain itu terkait dengan produk dan relations to new products and activities, analysis to
aktivitas baru terlebih dahulu dilakukan analisa assess compliance with the applicable provisions
untuk menilai kepatuhan terhadap ketentuan is conducted prior to the issuance of the product/
yang berlaku dalam penerbitan produk/aktivitas activity.
tersebut.
Dalam kecukupan penerapan proses manajemen In the process of risk management adequacy,
SJTJLP CBOL NFMBLVLBO JEFOUJmLBTJ QFOHVLVSBO UIF CBOL DPOEVDUT JEFOUJmDBUJPO NFBTVSFNFOU
pemantauan dan pengendalian atas risiko monitoring and control of compliance risk through
kepatuhan melalui risk taking unit. Dalam UIF SJTL UBLJOH VOJU *O UIF JEFOUJmDBUJPO BOE
NFMBLVLBOJEFOUJmLBTJTFSUBQFOHVLVSBOBUBTSJTJLP measurement of the compliance risk carried out by
kepatuhan dilakukan oleh unit kerja kepatuhan the compliance unit to monitor the implementation
dengan melakukan pemantauan atas penerapan of compliance in all work units.
kepatuhan di semua unit kerja.
Dalam melakukan pengendalian risiko kepatuhan In controlling compliance risk, the bank conducts
bank melakukan beberapa hal diantaranya yaitu: several things such as:
- Melakukan kajian terhadap kebijakan dan - Reviewing of the bank’s internal policies and
prosedur internal bank, serta pengajuan procedures, as well as the proposal of new
produk dan aktivitas baru products and activities
- Melakukan sosialisasi peraturan dan - Socializing the applicable rules and regulations to
perundang-undangan yang berlaku kepada employees to support the creation of a culture of
karyawan untuk mendukung terciptanya compliance.
budaya kepatuhan. - Monitoring the implementation of the bank’s
- Melakukan pemantauan atas pelaksanaan prudent principles.
prinsip kehati-hatian bank. - Monitoring the Compliance Risk.
- Melakukan pemantauan atas Risiko Kepatuhan. - Implementation of the Anti-Money Laundering and
- Implementasi Program Anti Pencucian Uang Countering the Financing of Terrorism (AML-CFT)
dan Pencegahan Pendanaan Terorisme (APU- - The existence of gratuity control policies managed
PPT) by the Gratuity Control Unit in cooperation with
5FSEBQBU LFCJKBLBO QFOHFOEBMJBO HSBUJmLBTJ the Corruption Eradication Commission (KPK)
ZBOH EJLFMPMB 6OJU 1FOHFOEBMJBO (SBUJmLBTJ including dissemination to employees to increase
yang bekerja sama dengan Komisi employees’ awareness regarding gratuity control.
Pemberantasan Korupsi (KPK) termasuk - Socializing the latest external regulations to the
sosialisasi kepada karyawan untuk work units.
meningkatkan awareness karyawan terkait
QFOHFOEBMJBOHSBUJmLBTJ
- Melakukan sosialisasi atas peraturan eksternal
terbaru kepada unit kerja.

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
403
RISK MANAGEMENT
Dalam penyajian informasi mengenai risiko In presenting information on compliance risks faced,
kepatuhan yang dihadapi, bank telah menyusun the bank has developed a number of reportings on
beberapa pelaporan-pelaporan mengenai compliance risk exposure among others bankwide
FLTQPTVSSJTJLPLFQBUVIBOEJBOUBSBOZBZBJUVQSPmM DPNQMJBODF SJTL QSPmMF UIBU JT DSFBUFE QFSJPEJDBMMZ JO
risiko kepatuhan secara bankwide yang disusun addition, the bank also prepares regular reports on
secara berkala, selain itu bank juga membuat compliance risk events based on data obtained from
laporan secara rutin mengenai kejadian risiko the risk management’s tools, there are also reports of
kepatuhan berdasarkan data yang diperoleh dari adherence implementation to the management
tools manajemen risiko, terdapat juga laporan
penerapan kepatuhan kepada manajemen

Sistem pengendalian internal yang menyeluruh A comprehensive internal control system in the
dalam proses pelaksanaan manajemen risiko process of legal risk management implementation
hukum dilaksanakan secara berkala oleh Divisi is carried out periodically by the Compliance
Kepatuhan dan berkoordinasi dengan Satua Kerja Division in coordination with the Risk Management
Manajemen Risiko dan Satuan Kerja Audit Internal. Unit and the Internal Audit Unit.
G. Risiko Stratejik * 6WUDWHJLF5LVN

Risiko Stratejik adalah risiko akibat ketidaktepatan Strategic risk is the risk due to inaccuracies in the
dalam pengambilan dan/atau pelaksanaan making and/ or implementation of a strategic decision
suatu keputusan stratejik serta kegagalan dalam as well as failure to anticipate changes in the business
mengantisipasi perubahan perubahan lingkungan environment. This risk arises partly because the
bisnis. Risiko ini timbul antara lain karena bank bank’s strategy is not in line with the bank’s vision and
menerapkan strategi yang kurang sejalan dengan mission, strategic environmental analysis that is less
visi dan misi bank, melakukan analisis lingkungan comprehensive, and/ or a strategic plan mismatch.
stratejik yang kurang komprehensif dan/atau In addition, strategic risk also arises due to the failure
terdapat ketidaksesuaian rencana stratejik. Selain to anticipate changes in the business environment,
itu risiko stratejik juga timbul karena kegagalan including failures to anticipate changes in technology,
dalam mengantisipasi perubahan lingkungan changes in the macroeconomic conditions, the
bisnis, mencakup kegagalan dalam mengantisipasi competition dynamics in the market, and policy
perubahan teknologi, perubahan kondisi ekonomi changes from the regulator.
makro, dinamika kompetisi di pasar, dan perubahan
kebijakan dari regulator.
Dewan Komisaris dan Direksi melakukan penetapan The Board of Commissioners and the Board of
serta pengarahan mengenai strategi bisnis bank Directors determine as well as direct the bank’s
sesuai dengan tugas dan kewenangannya. Dalam business strategy in accordance with their duties
melakukan strategi bisnis tersebut disesuaikan and authority. In its implementation, the business
dengan tingkat risiko yang dapat diterima oleh strategy is tailored to the level of risk that is
bank. Selain itu, Bank juga melakukan penyesuaian tolerable by the bank. In addition, the Bank also

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
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MANAJEMEN RISIKO
strategi-strategi jangka pendek, jangka menengah performs adjustments to short term, medium term
maupun jangka panjang sejalan dengan arah and long term strategies in line with the direction of
bisnis dan perkembangan kondisi internal serta the business and the development of internal and
perkembangan kondisi eksternal. external conditions.
Dalam menerapkan strategi bisnis tersebut In the implementation, the business strategies are
dituangkan dalam rencana bisnis bank (RBB) yang outlined in the bank’s business plan (RBB), in which
penyusunannya ditetapkan oleh Direksi dengan the preparation was determined by the Board of
meminta persetujuan dari Dewan Komisaris. Directors and requesting the approval of the Board
Direksi mengarahkan kepada masing-masing unit of Commissioners. The Board of Directors directs
kerja untuk mengimplementasikan rencana bisnis each work unit to implement the bank’s business
bank tersebut untuk mencapai tujuan yang telah plan to achieve its intended purpose.
ditetapkan.
Dalam melakukan pengelolaan strategi bank, In conducting the bank’s strategy management,
Direksi dibantu oleh Divisi Perencanaan Strategis the Board of Directors is assisted by the Strategic
dalam memonitor implementasi strategi bank Planning Division in monitoring the implementation
termasuk implementasi rencana bisnis bank. of the bank’s strategy, including the implementation
Selain itu dilakukan analisa implementasi rencana of the bank’s business plan. Furthermore, the
bisnis dan melaporkan hasil analisa kepada business plan implementation analysis and the
Direksi. reporting of the analysis results to the Board of
Directors are also conducted.
Seluruh unit bisnis/unit pendukung bertanggung All busines/ supporting units are responsible
jawab dalam membantu Direksi menyusun for assisting the Board of Directors to prepare
perencanaan stratejik dan mengimplementasikan the strategic planning and implementing the
strategi yang telah ditetapkan secara efektif. determined strategy effectively. These units are
Unit-unit tersebut juga bertanggung jawab untuk also responsible for ensuring that the strategic risk
memastikan bahwa pengelolaan risiko stratejik management is in accordance with the established
telah sesuai dengan kebijakan yang telah policy.
ditetapkan.

Bank telah memiliki kebijakan serta pedoman The bank has had strategic risk management
manajemen risiko stratejik yang secara berkala policies and guidelines that are updated and
dilakukan pembaharuan dan evaluasi atas evaluated regularly on policies and guidelines
kebijakan dan pedoman manajemen risiko bank of the bank’s risk management. The preparation
tersebut. Penyusunan rencana bisnis bank (RBB) of the bank’s business plan (RBB) is a strategic
merupakan perencanaan strategis untuk mencapai planning to achieve the goals that have been set
tujuan yang telah bank tetapkan. Sehingga dalam by the bank. Thus, the preparation of policies are
penyusunan kebijakan disesuaikan dengan tailored to the bank’s business plan to support
rencana bisnis bank yang dapat mendukung the achievement of the strategic objectives of the
dalam pencapaian tujuan strategis bank. bank.

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
405
RISK MANAGEMENT
Dalam kecukupan penerapan proses manajemen In terms of adequacy of risk management
SJTJLP CBOL NFMBLVLBO JEFOUJmLBTJ QFOHVLVSBO process implementation, the bank performs
pemantauan dan pengendalian atas risiko JEFOUJmDBUJPO NFBTVSFNFOU NPOJUPSJOH BOE
TUSBUFKJL#BOLNFMBLVLBOJEFOUJmLBTJ QFOHVLVSBO control on strategic risks. The bank conducts
dan pemantauan risiko stratejik dengan JEFOUJmDBUJPO NFBTVSFNFOU BOE NPOJUPSJOH
melakukan pemantauan atas pencapaian kinerja of strategic risks by monitoring the bank’s
bank dengan rencana bisnis bank yang telah performance achievement with the bank’s
ditetapkan, selain itu bank memperhatikan business plan which has been established, in
perubahan kondisi lingkungan bisnis untuk addition, the bank considers changes in the
dilakukan penyesuaian kepada strategi yang business environment to perform adjustments to
akan diambil oleh bank, bank melakukan the strategies which will be adopted by the bank,
pengembangan bisnis dengan memperhatikan the bank conducts business developments by
tingkat risiko yang dapat diterima oleh bank, serta taking into account the level of risks that can be
melakukan pemantauan terhadap posisi bisnis accepted by the bank, as well as monitoring the
bank. bank’s business position.
Adapun upaya pengendalian yang dilakukan untuk Meanwhile, control efforts conducted for the
risiko stratejik adalah dengan melakukan analisa strategic plan are by conducting the bank’s
atas pencapaian kinerja bank, mengambil langkah- performance achievement analysis, taking
langkah stratejik yang dirasa perlu sebagai respon strategic steps deemed necessary in response
terhadap perubahan kondisi bisnis, melakukan to the changing business conditions, conducting
business review atas pencapaian kinerja bisnis business reviews on the achievement of the
secara berkala. business performance on a regular basis.
6LVWHP3HQJHQGDOLDQ,QWHUQ<DQJ0HQ\HOXUXK &RPSUHKHQVLYH,QWHUQDO&RQWURO6\VWHP

Dalam pengendalian internal untuk risiko stratejik In internal control for strategic risk, the bank
bank melibatkan seluruh lini bisnis perusahaan involves all its business lines as well as control
serta kegiatan pengendalian yang dipantau pula activities that are also monitored by the Risk
oleh Satuan Kerja Manajemen Risiko dan Satuan Management Unit and the Internal Audit Unit.
Kerja Audit Internal.
+ 5LVLNR5HSXWDVL + 5HSXWDWLRQ5LVN

Risiko Reputasi adalah risiko akibat menurunnya Reputation risk is the risk due to the reduced levels of
tingkat kepercayaan stakeholder yang bersumber TUBLFIPMEFSTDPOmEFODFUIBUPSJHJOBUFTGSPNOFHBUJWF
dari persepsi negatif terhadap bank. Hal ini antara perceptions of the bank. This is partly due to the
lain disebabkan oleh adanya pemberitaan media dan/ presence of negative media and/or rumors about the
atau rumor mengenai Bank yang bersifat negatif, serta Bank, as well as the bank’s communication that is not
adanya komunikasi bank yang kurang efektif. very effective.

Pendahuluan
Laporan Manajemen
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MANAJEMEN RISIKO
Dewan Komisaris dan Direksi memantau The Board of Commissioners and the Board
mengenai efektivitas penerapan Manajemen of Directors monitor the effectiveness of the
Risiko Reputasi di Bank. Terkait wewenang dan Reputation Risk Management in the Bank. In
tanggung jawab pengawasan aktif Dewan relations to the Active Supervision of authorities and
Komisaris dan Direksi bank bjb, Dewan Komisaris responsibilities by the Board of Commissioners and
dan Direksi selalu memperoleh informasi yang Directors of bank bjb, the Board of Commissioners
jelas mengenai evaluasi dan penerapan and Directors always obtain clear information
manajemen risiko eksposur risiko reputasi. on the evaluation and implementation of the risk
exposure of the reputation risk management.
Struktur organisasi untuk melakukan pengelolaan The organizational structure for managing the
terhadap risiko reputasi, bank telah membentuk reputation risk, the bank has established a
unit kerja tersendiri yang mengelola risiko separate unit to manage the reputation risk,
reputasi yaitu Divisi Corporate Secretary dan namely the Corporate Secretary Division and the
Divisi Jaringan dan Layanan, unit kerja tersebut Network and Services Division, these units serve
berfungsi untuk melakukan pengelolaan terhadap to manage the bank’s reputation and determine
reputasi bank dan mengatur mengenai standar UIFTUBOEBSETPGTFSWJDFJOCSBODIPGmDFTBTBTUFQ
layanan di kantor cabang sebagai langkah untuk to mitigate the reputation risk.
memitigasi risiko reputasi.

Bank telah memiliki kebijakan serta pedoman The bank has had reputation risk management
Manajemen risiko reputasi yang secara berkala policies and guidelines that are updated and
dilakukan pembaharuan dan evaluasi atas evaluated regularly on policies and guidelines
kebijakan dan pedoman manajemen risiko bank of the bank’s risk management. The Bank also
tersebut. Bank juga telah memiliki kebijakan has a policy regarding service standards that
mengenai standar pelayanan yang harus dilakukan must be performed by operational units, this is
oleh unit kerja operasional, hal tersebut dilakukan done to minimize the reputation risk due to the
untuk meminimalisir terjadinya risiko reputasi lack of adequate banking services, there are
akibat kurang memadainya pelayanan bank, also policies regarding the handling of customer
terdapat juga kebijakan mengenai penanganan complaints. Furthermore, the bank also have a
keluhan nasabah. Selain itu bank telah memiliki call call center as a means to serve the people who
center sebagai sarana untuk melayani masyarakat need banking services as well as submitting
yang membutuhkan jasa perbankan serta problems associated with the bank. In relations to
penyampaian permasalahan terkait dengan bank. relationships with bank investors, the bank already
Terkait hubungan dengan pihak investor bank has the investor relationship unit to communicate
telah memiliki unit kerja investor relationship yang with the investors.
melakukan komunikasi dengan pihak investor.
Bank juga melakukan manajemen risiko reputasi The bank also performs reputation risk
dengan melakukan aktivitas public relations, management by conducting the activities of public
corporate social responsibility dan respon yang relations, corporate social responsibility and rapid
cepat terhadap penanganan keluhan yang masuk response to complaints to the bank.
kepada pihak bank.

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
407
RISK MANAGEMENT
Dalam kecukupan penerapan proses manajemen In the adequacy of risk management
SJTJLP CBOL NFMBLVLBO JEFOUJmLBTJ QFOHVLVSBO implementation process, the bank conducts
pemantauan dan pengendalian atas risiko JEFOUJmDBUJPO NFBTVSFNFOU NPOJUPSJOH BOE
SFQVUBTJ #BOL NFMBLVLBO QSPTFT JEFOUJmLBTJ EBO control on reputation risks. The bank conducts
pengukuran risiko reputasi dengan memantau JEFOUJmDBUJPO NFBTVSFNFOU BOE NPOJUPSJOH PG
jumlah keluhan nasabah kepada bank melalui call the reputation risk by monitoring the number of
center ataupun petugas bank serta memantau customer complaints to the bank through the call
mengenai tindakan penyelesaian atas keluhan DFOUFS PS CBOL PGmDFST BT XFMM BT NPOJUPSJOH UIF
tersebut, selain itu dilakukan pematauan juga settlement process on the complaints, furthermore,
terhadap jumlah pemberitaan terhadap bank monitoring is also conducted to the numbers of
yang dimuat di media massa. reporting on the bank that are published in the
mass media.
Dalam melakukan pengendalian atas risiko reputasi In conducting the control on the reputation risk,
bank memiliki call center serta mengadakan the bank has a call center as well as organized
coaching clinic bagi karyawan dengan memberikan coaching clinics for employees by providing
training atau pelatihan mengenai standar layanan trainings regarding service standards with the aim
dengan tujuan bank dapat memberikan pelayanan for the bank to be able to provide better services to
dengan lebih baik kepada nasabah baik eksternal both external and internal customers as one of the
maupun internal sebagai salah satu langkah mitigation measure for potential risk, in addition,
mitigasi terhadap potensi risiko, selain itu bank the bank emphasized to all employees that the
menekankan kepada seluruh karyawan bahwa bank’s reputation should really safe guarded, the
reputasi bank harus benar-benar dijaga, bank bank also provide clear information to customers
juga memberikan informasi yang jelas kepada regarding the products/activities of the bank as a
nasabah mengenai produk/aktivitas bank sebagai step to mitigate risks. Furthermore, in improving
langkah dalam memitigasi risiko. Disamping itu the quality of services of the frontliners who are the
dalam meningkatkan kualitas pelayanan frontliner vanguard of the bank in providing services to the
yang merupakan garda depan bank dalam customers, the bank has organized the bank bjb
memberikan pelayanan kepada nasabah, bank service excellent award (BBSEA) program.
telah mengadakan program bank bjb Service
Excellent Award (BBSEA).

Bank telah memiliki unit kerja khusus dalam The bank already has a special unit for the
proses pelaksanaan manajemen risiko reputasi reputation risk management implementation
yang mencakup pengawasan secara berkala atas process that includes regular supervision on
pemberitaan negatif dan keluhan yang berdampak negative publications and complaints that have an
pada reputasi bank dan kegiatan pengendalian impact on the bank’s reputation and control activity
yang dipantau oleh satuan kerja manajemen risiko. that is monitored by the risk management unit.

Pendahuluan
Laporan Manajemen
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Tata Kelola
Perusahaan

Introduction
Management Report
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Corporate Data
409
• Tata Kelola Perusahaan di bank bjb 410 • Kepatuhan 521

Good Corporate Governance at bank bjb Compliance
• Rapat Umum Pemegang Saham (RUPS) 430 • Audit Internal 540

General Meetings of Shareholders (GMS) Internal Audit
• Dewan Komisaris 442 • Audit Eksternal 548

Board of Commissioners External Audit
• Komite Di Bawah Koordinasi 464 • Sistem Pengendalian Internal 549

Dewan Komisaris Internal Control System
Committees Under the Coordination
of the Board of Commissioners • Perkara Hukum 554
Legal Cases
• Sekretaris Dewan Komisaris 486
Secretary of The Board of Commissioners • Akses Informasi Data Perusahaan 556
Access to Company Information
• Direksi 488
Board of Directors • Kode Etik 578
Code of Conduct
• Komite Di Bawah Koordinasi Direksi 506
Committees Under the Coordination • Budaya Perusahaan 582
of the Board of Directors Corporate Culture
• Sekretaris Perusahaan 518 • Whistleblowing System 587

Corporate Secretary Whistleblowing System

Pendahuluan
Laporan Manajemen
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TATA KELOLA PERUSAHAAN DI bank bjb

GOOD CORPORATE GOVERNANCE AT bank bjb
Pelaksanaan Tata Kelola Perusahaan terus dikembangkan Implementation of corporate governance continues to be
seiring dengan pertumbuhan dan target yang ingin dicapai developed in line with the Company’s growth and targets to
bank bjb, sehingga operasional Bank dilaksanakan sesuai be achieved by bank bjb, thus the Bank operations will be
praktik perbankan yang terbaik. conducted in accordance with banking best practise.
bank bjb sebagai bank umum yang mengemban misi sebagai bank bjb as a commercial bank is on a mission as the force
penggerak dan pendorong laju pertumbuhan perekonomian and the driver of regional economic growth, upholding the
daerah, sangat menjunjung tinggi prinsip Tata Kelola principles of Good Corporate Governance (GCG) and realize
Perusahaan yang baik dan menyadari pentingnya penerapan the importance of implementing these principles in every step
prinsip-prinsip tersebut di setiap langkah usaha Bank demi of the bank’s actions in the interest of the stakeholders such
kepentingan para pemangku kepentingan seperti nasabah, as customers, investors, shareholders and the general public,
investor, pemegang saham, dan masyarakat umum, termasuk including employees and other parties.
pegawai serta pihak lainnya.
Tujuan Penerapan GCG The Objectives of GCG implementation

Tujuan yang diharapkan dalam penerapan GCG merupakan The objectives in the implementation of GCG is the
manifestasi dari penerapan prinsip-prinsip GCG di lingkungan manifestation of the application of the principles of good
bank bjb. Penerapan prinsip GCG ini dimulai dari komitmen, corporate governance in bank bjb. Implementation of GCG
kemudian telah dilaksanakan secara berkesinambungan oleh begins from the commitment, then carried out continuously
struktur maupun para pemangku kepentingan GCG bank bjb and integratedly by the GCG structure and stakeholders of
secara terintegrasi. bank bjb.
Tujuan atau outcome yang ingin dicapai dari pelaksanaan The objectives or outcomes to be achieved from the
GCG di lingkungan bank bjb ini sejalan dengan pedoman implementation of GCG in the bank bjb are in line with the
yang telah ditetapkan oleh Komite Nasional Kebijakan guidelines set by the National Committee on Governance
Governance (KNKG), yaitu memuat 8 (delapan) prinsip Policy (KNKG), which contains eight (8) basic principles:
EBTBS LFTJOBNCVOHBO VTBIB FmTJFOTJ LFNBOGBBUBO CBHJ TVTUBJOBCJMJUZ FGmDJFODZ CFOFmU UP TPDJFUZ BEIFSFODF
masyarakat, ketaatan terhadap peraturan, perlindungan to regulations, consumer protection, environmental
konsumen, pelestarian lingkungan, obyektivitas penilaian preservations, objectivity of GCG independent assessment
mandiri dan penilaian GCG dari pihak lain. and appraisal by other parties.
Berdasarkan prinsip dasar tersebut, tujuan yang dapat Based on these basic principles, the objectives which can
diwujudkan melalui penerapan prinsip GCG di lingkungan be realized through the application of the principles of good
bank bjb adalah: corporate governance in bank bjb include:
1. Mampu memelihara kesinambungan usaha, sehingga 1. Being able to maintain business continuity, so as to
dapat memenuhi kebutuhan dan harapan pemangku meet the needs and expectations of stakeholders in a
kepentingan secara berkelanjutan. sustainable manner.
.BNQV NFXVKVELBO FmTJFOTJ TFCBHBJ IBTJM EBSJ "CMF UP SFBMJ[F FGmDJFODZ BT B SFTVMU PG UIF BCJMJUZ BOE
kemampuan dan kapabilitas dalam mengelola bank. capability to manage the bank.
3. Mampu memberikan manfaat melalui berbagai kegiatan "CMFUPQSPWJEFCFOFmUTUISPVHIBWBSJFUZPGBDUJWJUJFTBOE
dan pelayanan bagi masyarakat dan perekonomian services for the community and the national economy.
nasional. 4. Always obey all laws and regulations, common ethical
4. Senantiasa menaati segala peraturan perundang- values of banking, as well as the internal regulations of
undangan, nilai-nilai etika umum perbankan, serta the bank in accordance with its basic principles as an
ketentuan internal bank sesuai dengan prinsip dasarnya institution of trust.
sebagai lembaga kepercayaan.

Introduction
Management Report
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Corporate Data
411
5. Mampu melindungi kepentingan dan kebutuhan nasabah 5. Able to protect the interests and needs of customers as
sebagai konsumen. consumers.
6. Mampu berperan aktif dalam menjaga dan meningkatkan 6. Able to play an active role in maintaining and improving
tanggung jawab sosial dan lingkungan. social and environmental responsibility.
7. Mampu melakukan self assessment yang menghasilkan 7. Able to perform self assessment that produces an objective
penilaian obyektif mengenai kondisi penerapan GCG di assessment on the condition of the GCG implementation in
bank. the bank.
Komitmen Penerapan GCG Commitment on the Implementation of GCG

Komitmen pelaksanaan prinsip-prinsip GCG di lingkungan The commitment on the implementation of corporate
bank bjb di antaranya tercermin melalui penerbitan pedoman governance principles in bank bjb JT SFnFDUFE UISPVHI UIF
pelaksanaan berdasarkan Surat Keputusan Direksi bank bjb issuance of guidelines for the implementation based on the
Nomor: 931/SK/DIR/2007 tentang Pedoman Good Corporate Decree of the Board of Directors of bank bjb No. 931/SK/
Governance. Pedoman ini mendapat pengesahan dari Dewan DIR/2007 on the Guidelines for Good Corporate Governance.
Komisaris melalui surat tertanggal 3 Oktober 2007 yang The Guidelines was approved by the Board of Commissioners
menyatakan persetujuannya terhadap Pedoman GCG. through the letter dated October 3, 2007 which declared its
approval on the GCG Guidelines.
Pedoman pelaksanaan GCG tersebut mengalami pembaruan The Guidelines for the implementation of GCG is experiencing
dan pengembangan sebagai wujud komitmen bank renewal and development as bank EME·s commitment in
bjb dalam melaksanakan prinsip-prinsip GCG secara implementing the principles of GCG in a sustainable manner
berkesinambungan di lingkungan Bank. Pembaruan dan within the Bank. The renewal and development, among others,
perkembangan penerapannya, antara lain diwujudkan melalui is embodied by the Decree of the Board of Directors in order
surat keputusan Direksi agar terdokumentasi, sehingga dapat to be documented, thus may be implemented on an ongoing
terlaksana secara berkesinambungan. basis.
Beberapa pembaruan dan perkembangan tersebut, antara Some of the updates and development include:
lain:
• Surat Keputusan Direksi bank bjb Nomor: 709/SK/DIR- • Decree of the Board of Directors of bank bjb No. 709/SK/
KP/2014 tentang Etika Usaha dan Tata Perilaku (Code of DIR-KP/2014 on the Business Ethics and Code of Conduct
Conduct) PT Bank Pembangunan Daerah Jawa Barat dan of PT Bank Pembangunan Daerah Jawa Barat dan Banten
Banten Tbk. Tbk.
• Surat Keputusan Direksi bank bjb Nomor: 713/SK/DIR- • Decree of the Board of Directors of bank bjb No. 713/SK/
KP/2014 tentang Pedoman Laporan Harta Kekayaan di DIR-KP/2014 on the Guidelines for Wealth Report within PT
Lingkungan PT Bank Pembangunan Daerah Jawa Barat Bank Pembangunan Daerah Jawa Barat dan Banten Tbk.
dan Banten Tbk. • Decree of the Board of Directors of bank bjb No. 714/SK/
• Surat Keputusan Direksi bank bjb Nomor: 714/SK/DIR- DIR-KP/2014 on the Standard Operating Procedures for
KP/2014 tentang Standar Operasional Prosedur Laporan the Wealth Report in PT Bank Pembangunan Daerah Jawa
Harta Kekayaan di Lingkungan PT Bank Pembangunan Barat dan Banten Tbk.
Daerah Jawa Barat dan Banten Tbk. • Decree of the Board of Directors of bank bjb No. 711/
• Surat Keputusan Direksi bank bjb Nomor: 711/SK/DIR- SK/DIR-KP/2014 on the Guidelines for the Control of
,1 UFOUBOH 1FEPNBO 1FOHFOEBMJBO (SBUJmLBTJ EJ (SBUJmDBUJPOJO15#BOL1FNCBOHVOBO%BFSBI+BXB#BSBU
Lingkungan PT Bank Pembangunan Daerah Jawa Barat dan Banten Tbk.
dan Banten Tbk. • Decree of the Board of Directors of bank bjb No. 712/
• Surat Keputusan Direksi bank bjb Nomor: 712/SK/ SK/DIR-KP/2014 on the Standard Operating Procedures
DIR-KP/2014 tentang Standar Operasional Prosedur GPS UIF $POUSPM PG (SBUJmDBUJPO JO 15 #BOL 1FNCBOHVOBO
1FOHFOEBMJBO (SBUJmLBTJ EJ -JOHLVOHBO 15 #BOL Daerah Jawa Barat dan Banten Tbk.
Pembangunan Daerah Jawa Barat dan Banten Tbk.

Pendahuluan
Laporan Manajemen
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TATA KELOLA PERUSAHAAN
• Surat Keputusan Direksi bank bjb Nomor: 968/SK/DIR- • Decree of the Board of Directors of bank bjb No. 968/
KP/2014 tentang Pedoman Komite Manajemen Risiko. SK/DIR-KP/2014 on Guidelines for the Risk Management
• Surat Keputusan Direksi bank bjb Nomor: 708/SK/DIR- Committee.
KP/2014 tentang Tata Kerja Pelaporan (Whistleblowing) di • Decree of the Board of Directors of bank bjb No. 708/
Lingkungan PT Bank Pembangunan Daerah Jawa Barat SK/DIR-KP/2014 on the Whistleblowing Procedures in PT
dan Banten Tbk. Bank Pembangunan Daerah Jawa Barat dan Banten Tbk.
Berdasarkan Prinsip Dasar Pedoman Good Corporate Based on the Basic Principles of the Guidelines for the
Governance Perbankan Indonesia yang dikeluarkan oleh Indonesian Banking Good Corporate Governance issued
Komite Nasional Kebijakan Governance (2013), merupakan by the National Committee on Governance (2013), is a
manifestasi komitmen penerapan GCG mengacu pada 7 manifestation of the commitment to the implementation of
(tujuh) hal, yaitu: GCG which refers to 7 (seven) points, namely:
1. Bank memilik rumusan visi dan misi yang realistis. 1. The bank posses realistic formulation of vision and mission.
2. Bank memiliki nilai-nilai perusahaan yang menggambarkan 2. The bank posses corporate values that describe the bank’s
sikap moral bank yang baik dalam pelaksanaan usahanya. good moral attitude in the implementation of its business.
3. Bank memiliki pedoman tata kerja Dewan Komisaris dan 3. The Bank posses work guidelines for the the Board of
tata kerja Direksi dalam menjalankan peran dan tugasnya. Commissioners and Board of Directors in carrying out its
4. Bank memiliki rumusan etika bisnis dan pedoman perilaku role and duties.
perusahaan yang penyusunannya dilakukan dengan 4. The Bank posses business ethics and the guidelines for
melibatkan organ perusahaan dan jajaran di bawahnya. corporate behavior of which the formulation is carried
Etika bisnis dan pedoman perilaku ini telah dijalankan out with the involvement of the company’s organs and
secara berkesinambungan. subordinates. The business ethics and code of conduct
5. Dalam menjalankan fungsi sebagai lembaga intermediasi shall be performed on an ongoing basis.
dan sebagai bagian dari dunia bisnis, harus peduli dan 5. In carrying out its functions as an intermediary institution
berperan aktif dalam menjaga kelestarian sumber daya and as part of the business world, the bank should be
alam dan lingkungan hidup. concerned and should take an active role in conserving
6. Bank memiliki peraturan perusahaan atau perjanjian natural resources and the environment.
kerja bersama yang dapat menjamin kepastian hal dan 6. The bank posses company regulations or collective
kewajiban para pihak, sehingga mendukung suasana work agreements to ensure certainty of the terms and
kerja yang kondusif. obligations of the parties, thus supporting a conducive
7. Bank memiliki whistleblowing system untuk memungkinkan working atmosphere.
diperolehnya laporan dan pengaduan serta saran dan 7. The Bank posses a whistleblowing system to enable the
kritik dari pegawai dan pemangku kepentingan lainnya. provision of reports and complaints as well as suggestions
and criticism from the employees and other stakeholders.
Komitmen acuan ini sudah berjalan secara berkesinambungan This reference commitment has been running continuously in
di lingkungan bjb, yang di antaranya dibuktikan melalui bank bjb, among others proven through various guidelines
berbagai pedoman yang diterbitkan melalui keputusan issued through the Management’s decisions, including
manajemen. Termasuk pengembangan dan pembaruannya, the developments and its updates, in accordance with the
sesuai dengan perkembangan regulasi maupun standar etika development of regulations and ethical standards in banking
di lingkungan perbankan dan perusahaan pada umumnya. and company in general.
Mekanisme Penerapan GCG Mechanism of GCG Implementation

Sesuai dengan pedoman GCG Perbankan yang dikeluarkan In accordance to the GCG Guidelines of Banking issued
oleh KNKG, pedoman GCG yang telah dibuat harus by KNKG, the GCG Guidelines should be disseminated to
disosialisasikan kepada seluruh jajaran bank secara all levels of the bank on an ongoing basis. In addition, the

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GOOD CORPORATE GOVERNANCE
berkesinambungan. Selain itu, proses pelaksanaannya perlu implementation process should be documented, among
didokumentasikan, yang di antaranya sebagai alat bukti others as the proof of implementation.
pelaksanaan.
Sejalan dengan ketentuan tersebut, mekanisme pelaksanaan In line with this provision, the mechanism of GCG implementation
GCG di lingkungan bank bjb selalu berpijak pada pedoman in bank bjb always adheres to the guidelines related to GCG,
terkait GCG, yang dilahirkan dengan mengacu pada regulasi. which was formulated with reference to the regulation. The
Pedoman yang ditutunkan dalam ketentuan teknis tersebut guidelines included in the technical provision is socialized in
senantiasa disosialisasikan agar selalu menjadi bagian dari order to always be part of the daily implementation of corporate
pelaksanaan tata kelola usaha sehari-hari di lingkungan Bank. governance in the Bank. This mechanism of implementation
Mekanisme pelaksanaan atau penerapan GCG ini merupakan or GCG application is a manifestation of the implementation of
manifestasi atas pelaksanaan komitmen Bank terhadap kinerja the Bank’s commitment to sustainable performance of GCG.
GCG yang berkelanjutan. Adapun mekanisme penerapannya The mechanism of implementation include:
adalah sebagai berikut:
Analisa Regulasi dan Pedoman Prinsip dan

Pendokumentasian dan
Praktik Perusahaan Terbaik/ Pelaksanaan GCG/ Sosialisasi & Implementasi/
Evaluasi/Documenting and
Analysis of the Corporate Principles and Guidelines for the Socialization & Implementation
Evaluation
Regulations and Best Practices Implementation of GCG
Analisa Regulasi dan Praktik Perusahaan Terbaik Analysis of the Corporate Regulations and Best
Practices
Analisis terhadap perkembangan regulasi merupakan The analysis on the development of regulations is the
pelaksanaan atas fungsi kepatuhan bank bjb terhadap implementation of bank bjb’s compliance function towards
regulasi yang terus berkembang, baik di tingkat nasional the regulations which continue to grow, both nationally and
maupun internasional. Bahkan Bank juga menjadikan internationally. The Bank also makes the Company’s best
praktik perusahaan yang terbaik sebagai bagian dari acuan practices as part of the reference for the implementation of
penerapan praktik bisnis bank bjb. bank bjb’s business practices.
Kepatuhan terhadap regulasi wajib dilaksanakan oleh Dewan Compliance towards the regulations must be carried out
Komisaris, Direksi, dan seluruh pegawai dalam organisasi by the Board of Commissioners, Board of Directors, and all
Bank. Kepatuhan harus dilihat sebagai fungsi yang merupakan employees in the organization of the Bank. Compliance must
bagian tak terpisahkan dari aktivitas bisnis Bank, karena setiap be seen as a function which is an integral part of the Bank’s
kegagalan pelaksanaan kepatuhan dapat menyebabkan business activities, as any failure of compliance may cause
risiko kepatuhan, risiko reputasi, dan risiko lainnya. compliance risk, reputation risk, and other risks.

Pendahuluan
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Pedoman Pelaksanaan Prinsip-prinsip GCG Guidelines for the Implementation of GCG

Principles
Komitmen pelaksanaan prinsip-prinsip GCG di lingkungan The commitment to the implementation of corporate
bank bjb di antaranya tercermin melalui penerbitan pedoman governance principles in bank bjb JT SFnFDUFE UISPVHI UIF
pelaksanaan berdasarkan Surat Keputusan Direksi bank bjb issuance of implementation guidelines based on the Decree
Nomor: 931/SK/DIR/2007 tentang Pedoman Good Corporate of the Board of Directors of the bank bjb No. 931/SK/DIR/2007
Governance. Pedoman ini mendapat pengesahan dari Dewan on the Guidelines for Good Corporate Governance. The
Komisaris melalui surat tertanggal 3 Oktober 2007 yang Guidelines was approved by the Board of Commissioners
menyatakan persetujuannya terhadap Pedoman GCG. through the letter dated October 3, 2007 which declared its
approval of the GCG Guidelines.
Dari pedoman umum tersebut, di antaranya dituangkan dalam From this general guidelines, which among others is
bentuk Surat Keputusan Direksi bank bjb Nomor: 709/SK/ manifested in the form of bank bjb’s Board of Directors Decree
DIR-KP/2014 tentang Etika Usaha dan Tata Perilaku (Code No. 709/SK/DIR-KP/2014 on the Business Ethics and Code of
of Conduct) PT Bank Pembangunan Daerah Jawa Barat dan Conduct of PT Bank Pembangunan .
Banten Tbk.
Prinsip-Prinsip Utama Main Principles

Dalam menerapkan Good Corporate Governance (GCG), In implementing GCG, bank bjbJTGVMMZHVJEFECZ mWF
LFZ
bank bjb berpedoman sepenuhnya pada 5 (lima) prinsip principles namely transparency, accountability, responsibility,
utama yaitu keterbukaan, akuntabilitas, pertanggung jawaban, independence, and fairness. These principles are used
independensi, dan kewajaran. Kelima prinsip ini juga dijadikan as the basis in determining the Annual Public Policy of the
dasar dalam penetapan Kebijakan Umum Direksi Tahunan Board of Directors (KUDT). KUDT is preparing guidelines for
(KUDT). KUDT merupakan pedoman penyusunan Rencana The Business Plan which is prepared every year and are the
Bisnis Bank yang disusun setiap tahun dan merupakan foundation for all unit duties of bank EME·V organizations.
landasan pelaksanaan tugas seluruh unit organisasi bank bjb.
Pencantuman prinsip GCG dalam KUDT bertujuan untuk The inclusion of GCG as the main principle in the KUDT aims
mewujudkan keseragaman, kesatuan bahasa, kesamaan to achieve uniformity, unity of language, common vision, and
pandangan, dan kesatuan gerak langkah operasional serta unity of operational steps and to ensure that all levels of bank
memastikan bahwa seluruh jajaran Bank selalu berpedoman bjb will always be guided by GCG principles in running the
pada GCG dalam menjalankan pekerjaannya sehari-hari. day-to-day work.
Dalam rangka meningkatkan penerapan praktik GCG In order to improve the implementation of Good Corporate
secara menyeluruh di bank bjb seperti yang dipersyaratkan Governance practices at the bank EME·V overall practice
oleh Otoritas Jasa Keuangan, kami telah merancang dan as required by Bank Indonesia, Banks have designed and
menyempurnakan pedoman kebijakan serta panduan perfected bank bjb policy guidelines as well as guide the
implementasi GCG sesuai ketentuan yang diatur di dalam implementation of GCG in accordance with Bank Indonesia
Peraturan Bank Indonesia No. 8/4/PBI/2006 tanggal 30 as stipulated in Bank Indonesia’s Regulation No. 8/4/PBI/2006
Januari 2006 sebagaimana telah diubah dengan Peraturan dated January 30, 2006, and as amended by Bank Indonesia
Bank Indonesia No. 8/14/PBI/2006 tanggal 5 Oktober 2006 Regulation No. 8/14/PBI/2006 dated October 5, 2006 and
serta Surat Edaran Bank Indonesia No. 9/12/DPNP Tanggal 30 Circular Letter of Bank Indonesia 9/12/DPNP Date May 30,
Mei 2007 tentang pelaksanaan Good Corporate Governance 2007 concerning the implementation of Good Corporate
bagi Bank Umum. Governance for Banks.

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Pedoman Tata Kelola Perusahaan Guidelines on Corporate Governance

bank bjb telah merumuskan pedoman tata kelola perusahaan bank bjb has formulated guidelines for good corporate
yang baik (GCG) sejak tahun 2007, melalui penerbitan governance (GCG) since 2007, through the issuance of the
Surat Keputusan Direksi bank bjb Nomor: 931/SK/DIR/2007 Decree of the Board of Directors of Bank bjb No. 931/SK/
tentang Pedoman Good Corporate Governance. Pedoman ini DIR/2007 on the Guidelines for Good Corporate Governance.
mendapat pengesahan dari Dewan Komisaris melalui surat The Guidelines was approved by the Board of Commissioners
tertanggal 3 Oktober 2007 yang menyatakan persetujuannya through the letter dated October 3, 2007 which declared
terhadap Pedoman GCG. Dalam perjalanannya, pedoman its approval of the GCG Guidelines. Along the way, the
ini telah melahirkan pedoman-pedoman lain secara parsial, Guideliens produced other guidelines partially, among others
NJTBMOZB QFOHFOEBMJBO HSBUJmLBTJ code of conduct, serta UIF HVJEFMJOFT GPS HSBUJmDBUJPO DPOUSPM DPEF PG DPOEVDU BT
laporan harta kekayaan. well as wealth report.
Komitmen GCG GCG Commitment

a. Visi dan Misi a. Vision and mission
Bank telah memiliki visi dan misi yang dijadikan pedoman The Bank has a vision and mission which becomes the
jangka panjang dalam menjalankan kegiatan usaha bank bank bjb’s long-term guidelines in conducting its business
bjb. Visi dan misi ini mencerminkan tujuan yang akan BDUJWJUJFT5IJTWJTJPOBOENJTTJPOSFnFDUUIFPCKFDUJWFTUP
dicapai oleh Bank di masa yang akan datang. be achieved by the Bank in the future.
b. Nilai-nilai Perusahaan (Corporate Value) b. Corporate Values
Perumusan nilai-nilai perusahaan (corporate value) The formulation of the corporate values and the major
dan perilaku utama budaya perusahaan dilakukan oleh behavior of the corporate culture is carried out by the
Manajemen dengan menggali nilai-nilai yang ada dalam Management by exploring the values that exist in the
tubuh Perusahaan. Budaya perusahaan bank bjb harus body of the Company. bank bjb’s corporate culture must
selaras dengan visi dan misi bank bjb dan adaptif terhadap be aligned with the vision and mission of the Bank and
perubahan dunia perbankan. Oleh karena itu apabila must be adaptive to the changes in the banking world.
budaya yang telah ada sudah tidak sejalan dengan visi, Therefore, if the existing culture is already not in line with
misi, dan perkembangan dunia perbankan, maka perlu the vision, mission, and the development of the banking
dilakukan perubahan budaya dengan menggali nilai-nilai world, thus a change of culture should be carried out by
baru yang muncul. exploring new emerging values.
c. Etika Perusahaan c. Code of Conduct
Merupakan standar tata perilaku yang menjadi acuan This is the standard code of conduct which becomes the
setiap insan bank bjb, termasuk di dalamnya adalah reference for every personnel of bank bjb, including the
Dewan Komisaris, Direksi, serta seluruh pegawai dalam Board of Commissioners, Board of Directors, as well as all
mengelola perusahaan. employees in managing the company.
d. Pedoman Dewan Komisaris dan Direksi d. Guidelines for the Board of Commissioners and Board
Pedoman Dewan Komisaris dan Direksi bank bjb of Directors
mengacu pada regulasi yang terkait seperti Undang- The Guidelines for Board of Commissioners and Board
Undang Perseroan Terbatas serta regulasi dari otoritas of Directors of bank bjb refers to the related regulations
di bidang jasa keuangan, maupun regulasi lain yang such as the regulation on Limited Liability Company as
relevan. Pedoman tersebut mengatur struktur, tugas dan XFMMBTUIFSFHVMBUJPOTJTTVFECZUIFBVUIPSJUJFTJOUIFmFME
tanggung jawab, pembagian tugas, etika kerja, rapat, PGmOBODJBMTFSWJDFT BTXFMMBTPUIFSSFMFWBOUSFHVMBUJPOT
organisasi, dan hubungan kerja dari Dewan Komisaris dan The Guidelines regulates the structure, duties and
Direksi, yang dijadikan acuan bagi Dewan Komisaris dan responsibilities, division of tasks, work ethics, meetings,
Direksi dalam melaksanakan tugas dan fungsinya masing- organization, and the working relationship of the Board of
masing. Commissioners and Board of Directors, which is used as
a reference for the Board of Commissioners and Board
of Directors in carrying out its respective duties and
functions.

Pendahuluan
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e. Hubungan Industrial e. Industrial Relations

Hubungan antara manajemen yang diwakili oleh Direksi The relationship between the Management, represented
dengan pegawai di bank bjb dituangkan dalam Perjanjian by the Board of Directors with the employees of bank bjb
Kerja. Perjanjian ini mengacu pada regulasi yang telah is set forth in the Employment Agreement. This agreement
ditetapkan oleh pemerintah Indonesia, yang mengatur refers to the regulation set by the Indonesian government,
kesepakatan antara bank bjb dengan para pegawai. which regulates the agreement between bank bjb with its
f. Struktur Kebijakan Bank employees.
Kebijakan pokok bank terdiri dari dua peringkat, yaitu f. Structure of Bank Policy
Pedoman GCG dan Pedoman Kebijakan Manajemen. The Bank’s main policy consists of two levels, namely the
g. Prinsip GCG GCG Guideliens and the Management Policy Guidelines.
Secara umum, penerapan prinsip-prinsip GCG harus g. Principles of GCG
diwujudkan sekurang-kurangnya namun tidak terbatas In general, the application of the principles of good
pada: corporate governance shall be realized at least but not
• Pelaksanaan RUPS/RUPSLB yang sesuai dengan limited to:
maksud dan tujuannya serta diselenggarakan • Implementation of AGM/ EGM in accordance with the
berdasarkan ketentuan umum yang berlaku. purposes and objectives, held under the applicable
• Pelaksanaan tugas dan tanggung jawab Dewan general rules.
Komisaris dan Direksi. • Implementation of duties and responsibilities of the
• Kelengkapan data pelaksanaan tugas Komite-Komite Board of Commissioners and Board of Directors.
(baik di tingkat Komisaris maupun Direksi) dan Satuan • Completion of data on the implementation of tasks
Kerja yang menjalankan fungsi Internal Audit Bank. of the Committees (both at the level of Board of
• Penerapan fungsi kepatuhan, auditor internal dan Commissioners or Board of Directors) and the work
auditor eksternal. unit that runs the Bank’s Internal Audit function.
• Penerapan manajemen risiko, termasuk sistem • Implementation of the functions of compliance, internal
pengendalian internal. audit and external audit.
• Penyediaan dana kepada pihak terkait dan penyediaan • Implementation of risk management, including the
dana besar. internal control system.
• Rencana Strategis Bank. • The provision of funds to related parties and large
• Transparansi kondisi keuangan dan non-keuangan exposures.
Bank. • The Bank’s Strategic Plan.
h. Penilaian Mandiri t 5SBOTQBSFODZPGmOBODJBMBOEOPOmOBODJBMDPOEJDUJPO
Sejalan dengan penerapan GCG, Bank harus melakukan of the Bank.
penilaian mandiri (self-assessment) atas pelaksanaan h. Self Assessment
GCG di Bank minimal satu kali dalam setahun. Hasil In line with the implementation of GCG, the Bank should
penilaian pelaksanaan GCG merupakan bagian yang undertake an independent assessment (self-assessment)
tidak terpisahkan dari laporan pelaksanaan GCG. on the implementation of GCG in the Bank at least once a
i. Kepedulian terhadap Lingkungan year. The result of assessment on the implementation of
Perseroan memiliki komitmen untuk ikut bertanggung GCG is an integral part of the GCG Report.
jawab terhadap pelestarian lingkungan secara i. Concern for the Environment
berkelanjutan. Komitmen ini tercermin dalam pelaksanaan The Company has a commitment to take responsibility
kegiatan tanggung jawab sosial perusahaan. for the preservation of the environment in a sustainable
j. Tanggung Jawab terhadap Nasabah NBOOFS5IJTDPNNJUNFOUJTSFnFDUFEJOUIFJNQMFNFOUBUJPO
Perseroan memiliki komitmen yang tinggi untuk memenuhi of corporate social responsibility.
tanggung jawab kepada konsumen dan nasabahnya. j. Responsibilities to the Customers
Bagi bank bjb, nasabah merupakan rekan utama dalam 5IF $PNQBOZ IBT B TUSPOH DPNNJUNFOU UP GVMmMM JUT
setiap langkah pengembangan usaha yang dilakukan responsibilities to the consumers and customers. For bjb
Perseroan. Oleh karena itu, bank bjb menempatkan bank, the customer is the main partner in every step of the

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kepuasan nasabah sebagai prinsip dasar dalam setiap Company’s business development. Therefore, bank bjb
pelayanannya. prioritizes customer satisfaction as the basic principle in
every service.
Penerapan Tata Kelola Perusahaan Implementation of Corporate Governance

Perubahan status Perseroan sebagai bank publik melalui Changes in the Company’s status as a public bank through the
penawaran umum perdana saham pada tahun 2010 menjadi initial public offering of shares in 2010 became the inspiration
inspirasi bagi bank bjb untuk terus-menerus meningkatkan for bank bjb to continuously improve its quality in order
kualitas demi mewujudkan diri menjadi 10 Bank Terbesar dan to bring itself to become one of the 10 Largest Banks with
Berkinerja Baik di Indonesia. Perbaikan prosedur dan cara Good Performance in Indonesia. Improvement of procedures
LFSKB EJMBLVLBO VOUVL NFODJQUBLBO FmTJFOTJ EBO FGFLUJWJUBT BOE XPSL NFUIPE JT QFSGPSNFE UP DSFBUF FGmDJFODZ BOE
dalam menyelesaikan setiap pekerjaan. Implementasi Tata effectiveness in completing each task. Implementation of Good
Kelola Perusahaan yang Baik (Good Corporate Governance) Corporate Governance (GCG) thoroughly and continuously is
secara menyeluruh dan berkesinambungan dinilai menjadi considered to be a major factor in the achievement of business
faktor utama tercapainya pertumbuhan usaha yang dapat growth that can provide added value for stakeholders.
memberikan nilai tambah bagi para pemangku kepentingan.
Penerapan sekaligus sosialisasi Tata Kelola Perusahaan bank Implementation and socialization of Corporate Governance in
bjb di antaranya dilakukan melalui Code of Conduct bank bank bjb among others is conducted through the Bank’s Code
bjb yang menjadi acuan perilaku bagi Komisaris, Direksi dan of Conduct which becomes the reference for the behavior
seluruh pegawai Perseroan dalam mengelola perusahaan of the Board of Commissioners, Board of Directors and all
guna mencapai visi, misi dan tujuan perusahaan. Salah satu employees of the Company in managing the company in order
etika perilaku yang terdapat pada code of conduct yaitu to achieve the vision, mission and objectives of the Company.
standar etika untuk menghindari benturan kepentingan dan One of the ethical conducts contained in the code of conduct
penyalahgunaan jabatan serta etika untuk tidak menerima JTUIFFUIJDBMTUBOEBSETUPBWPJEDPOnJDUTPGJOUFSFTUBOEBCVTF
HSBUJmLBTJEBMBNCFOUVLBQBQVOZBOHCFSIVCVOHBOEFOHBO of authority as well as the ethics to not accept gratuities of any
jabatan, dan sebagaimana diketahui salah satu cakupan kind associated with the position, and is known as one of the
dalam pelaksanaan GCG yaitu penanganan benturan DPWFSBHFBTXFMMBTUIFIBOEMJOHPGDPOnJDUTPGJOUFSFTU
kepentingan.
Kegiatan-kegiatan yang menjadi bagian pelaksanaan GCG Activities that are part of the GCG implementation is
didokumentasikan, baik dalam bentuk regulasi maupun documented, either in the form of regulations as well as
pencatatan kegiatan, seperti pada pelaksanaan tanggung record of activities, such as the implementation of corporate
jawab sosial perusahaan yang merupakan bagian dari social responsibility which is part of the GCG implementation
proses pelaksanaan GCG. bank bjb juga melakukan evaluasi process. bank bjb also conducted an evaluation on the
terhadap pelaksanaan tersebut agar pedoman maupun implementation so that the guidelines and implementation
aturan pelaksanaannya selalu dapat dimutakhirkan sesuai rules can always be updated according to the development of
dengan perkembangan regulasi dan praktik bisnis terbaik regulations the latest business best practices.
yang terbaru.
Struktur GCG GCG Structure

Struktur GCG bank bjb meliputi struktur organ perusahaan The GCG structure of bank bjb includs the structure of the
dan kebijakan bank dalam rangka pelaksanaan usaha. Bank Company’s organs and the Bank’s policies in the implementation
juga memasukkan beberapa aspek penting yang mendukung of its business. The Bank also incorporate several important
organ perusahaan, yaitu Komite di bawah Dewan Komisaris aspects that support the organs of the Company, namely
dan Komite di bawah Direksi. the Committees under the Board of Commissioners and the
Committees under the Board of Directors.

Pendahuluan
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a. Rapat Umum Pemegang Saham a. General Meeting of Shareholders

RUPS merupakan organ tertinggi di bank bjb, yang GMS is the highest organ in bank bjb, which holds all
memegang seluruh otoritas yang tidak dilimpahkan of the authorities that are not delegated to the Board of
kepada Dewan Komisaris ataupun Direksi. Pelaksanaan Commissioners or Board of Directors. GMS is performed
RUPS dilakukan melalui Rapat Umum Pemegang Saham through the Annual General Meeting of Shareholders
Tahunan (RUPST) dan Rapat Umum Pemegang Saham (AGM) and Extraordinary General Meeting of Shareholders
Luar Biasa (RUPSLB). (EGM).
b. Dewan Komisaris b. Board Of Commissioners
Dewan Komisaris merupakan organ perusahaan The Board of Commissioners is an organ of the Company
yang menjalankan fungsi pengawasan atas kebijakan that exercises the oversight function over the policies of
pengurusan, jalannya pengurusan pada umumnya, baik management, the management in general, both of the bank
mengenai bank maupun usaha bank. Dewan Komisaris and the bank’s business. The Board of Commissioners
juga memberikan nasihat kepada Direksi. also provides advice to the Board of Directors.
Dewan Komisaris bersifat independen. Di lingkungan The Board of Commissioners is independent. In bank
bank bjb, anggota Dewan Komisaris menandatangani bjb, members of the Board of Commissioners sign the
Surat Pernyataan Independensi. Statement of Independence.
c. Direksi c. The Board of Directors
Direksi merupakan organ Perseroan yang memiliki The Company’s Board of Directors is the organ that has the
wewenang serta bertugas dan bertanggung jawab secara authorities and the duties and responsibilities in managing
kolegial dalam mengelola Bank. Secara garis besar, the Bank collegially. Broadly speaking, each Director may
masing-masing Direktur dapat melaksanakan tugas dan carry out the tasks and make decisions in accordance
mengambil keputusan sesuai dengan pembagian tugas with the division of duties and responsibilities. The Board
dan wewenangnya. Direksi bertanggung jawab terhadap of Directors is responsible for the management of the Bank
pengelolaan Bank agar dapat menghasilkan keuntungan JO PSEFS UP HFOFSBUF QSPmUT BOE FOTVSF UIF TVTUBJOBCJMJUZ
dan memastikan kesinambungan usaha Bank sesuai of the Bank’s business in accordance with the articles of
dengan anggaran dasar dan peraturan perundang- association and the regulations.
undangan. d. Committees under the Board of Commissioners
d. Komite-komite di bawah Dewan Komisaris In bank bjb, the committees under the Board of
Di lingkungan bank bjb, komite-komite di bawah Dewan Commissioners are: the Audit Committee, Remuneration
Komisaris adalah: Komite Audit, Komite Remunerasi dan and Nomination Committee, and the Risk Oversight
Nominasi, serta Komite Pemantau Risiko. Committee.
e. Komite-komite di bawah Direksi e. Committees under the Board of Directors
Sedangkan di bawah Direksi, komite-komite yang dibentuk Whereas the committees under the Board of Directors
adalah: Komite Manajemen Risiko, Komite Kebijakan are: the Risk Management Committee, Credit Policy
Kredit, Komite Pengarah Teknologi Informasi, Komite Committee, Information Technology Steering Committee,
ALCO (Asset Liability Committee), dan Tim Peneliti dan ALCO Committee (Asset Liability Committee), and the
Pertimbangan Masalah Kepegawaian (TPPMK). Team of Research and Advisory on Employment Issues
(TPPMK).
Hubungan antara Dewan Komisaris dan Direksi The relationship between the Board of
Commissioners and Board of Directors
Sesuai dengan Peraturan Bank Indonesia No. 8/4/PBI/2006 In accordance with Bank Indonesia Regulation No. 8/4/
tanggal 30 Januari 2006 sebagaimana telah diubah dengan PBI/2006 dated January 30, 2006 as amended by Bank
Peraturan Bank Indonesia No. 8/14/PBI/2006 tanggal 5 Indonesia Regulation No. 8/14/PBI/2006 dated October 5,
Oktober 2006 serta Surat Edaran Bank Indonesia No. 9/12/ 2006 and Bank Indonesia Circular Letter No. 9/12/DPNP
DPNP tanggal 30 Mei 2007 tentang Pelaksanaan GCG dated 30 May 2007 regarding the implementation of GCG
bagi bank umum, Perseroan telah sejak lama menerapkan for commercial banks, the Company has implemented the

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pemisahan tugas, fungsi dan tanggung jawab Direksi dan division of tasks, functions and responsibilities of the Board
Dewan Komisaris. Selain itu, tidak terdapat hubungan keluarga of Directors and Board of Commissioners. In addition, there
baik horisontal maupun vertikal, termasuk hubungan karena are no family relations either horizontally or vertically, including
pernikahan, sampai derajat ketiga, antara sesama anggota the relationship due to marriage, to the third degree, among
Direksi, atau antar anggota Direksi dengan anggota Dewan members of the Board of Directors, or between members of
Komisaris, atau sesama anggota Dewan Komisaris. the Board of Directors and the Board of Commissioners, or
among the members of the Board of Commissioners.
Mengacu pada Pedoman GCG yang dikeluarkan oleh In accordance with the corporate governance guidelines
KNKG, hubungan kerja Dewan Komisaris dan Direksi adalah issued by KNKG, the working relationship of the Board of
hubungan check and balances, dengan prinsip bahwa Commissioners and Board of Directors is the check and
kedua organ tersebut mempunyai kedudukan yang setara. balances relations, with the principle that the two organs have
Keduanya memiliki tugas untuk menjaga kelangsungan usaha equal position. Both have the duty to maintain the continuity
Bank dalam jangka panjang dan memiliki tujuan akhir untuk PG UIF #BOLT CVTJOFTT JO UIF MPOH UFSN BOE IBWF UIF mOBM
kemajuan dan kesehatan Bank. objective of the progress and health of the Bank.
Dengan alasan tersebut, Dewan Komisaris dan Direksi For that reason, the Board of Commissioners and Board of
harus memiliki kesamaan visi, misi, nilai-nilai perusahaan Directors must have a common vision, mission, values and
dan strategi Bank. Dewan Komisaris dan Direksi juga harus strategies of the Bank. The Board of Commissioners and Board
menyetujui bersama rencana kerja jangka panjang, rencana of Directors must also jointly approve the long-term work plan,
kerja dan anggaran tahunan serta hal-hal yang berkaitan annual work plan and budget as well as matters related to the
dengan pelaksanaan ketentuan perundang-undangan dan implementation of the statutory provisions and GCG.
GCG.
Corporate Governance Assessment Corporate Governance Assessment

Sesuai dengan Surat Edaran Bank Indonesia Nomor 15/15/ In accordance with Bank Indonesia Circular Letter No. 15/15/
DPNP tanggal 29 April 2013 perihal Pelaksanaan Good DPNP dated 29 April 2013 concerning the implementation
Corporate Governance Bagi Bank Umum, Self Assessment of Good Corporate Governance for Commercial Banks, Self
Pelaksanaan Good Corporate Governance bank bjb selama Assessment Implementation of Good Corporate Governance
tahun 2014 yang berlandaskan pada prinsip dasar yaitu bjb banks during 2014, which is based on the basic
transparency, accountability, responsibility, independency, principle, namely transparency, accountability, responsibility,
dan fairness. independence, and fairness.
Sesuai dengan hasil penilaian sendiri (self assessment) In accordance with the results of self-assessment (self-
Pelaksanaan Good Corporate Governance bank bjb tahun assessment) Implementation of Good Corporate Governance
2014 memiliki peringkat “Baik”. Berdasarkan analisis terhadap 2014 bank bjb has a rating of “Good”. Based on the analysis
seluruh kriteria/indikator penilaian tersebut, disimpulkan of all the criteria/indicators that assessment, concluded that:
bahwa:
A. Governance Structure A. Governance Structure

1. Faktor-faktor positif aspek governance structure Bank 1. The positive factors positive of the Bank’s governance
adalah: structure aspect are:
• Komposisi Pengurus Bank pada posisi Desember • The composition of the Management of the Bank
2014 yaitu Direksi berjumlah 7 (tujuh) orang dan as of December 2014 was: 7 (seven) members of
Dewan Komisaris berjumlah 7 (tujuh) orang. the Board of Directors and seven (7) members of
the Board of Commissioners.

Pendahuluan
Laporan Manajemen
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• Telah terdapat struktur tata kelola Bank (Komisaris, • The Bank’s governance structure (Commissioners,
Direksi, Komisaris dan Satuan Kerja) sesuai dengan Directors, and Work Units) was in accordance with
ketentuan perundang-undangan yang berlaku the provisions of the applicable legislations and the
dan telah terdapat kebijakan serta prosedur bagi policies and procedures for the Bank’s business
kegiatan usaha bank; have been established;
• Terdapat penguatan fungsi kepatuhan khususnya • There was a strengthening of the compliance
budaya kepatuhan melalui fungsi quality function, especially the culture of compliance
assurance, dengan melaksanakan komitmen- through the quality assurance functions, by
komitmen Bank terhadap Otoritas Jasa Keuangan performing the Bank’s commitments to the Financial
(OJK) dan otoritas pengawas lainnya, patuh Services Authority (FSA) and other regulatory
terhadap peraturan-peraturan internal, Peraturan authorities, adherence to internal regulations, Bank
Bank Indonesia dan Perundang-undangan Indonesia Regulations and otherlegislations, as
lainnya, serta melaksanakan fungsi quality well as carry out the function of quality assurance
assurance secara konsisten serta memperhatikan consistently and with regard to the principles of
prinsip-prinsip tata kelola yang baik dan azas-azas good governance and the principles of sound
perbankan yang sehat. banking.
2. Faktor-faktor negatif aspek governance structure Bank 2. The negative factor of the Bank’s governance structure
adalah: aspect is:
• Pemenuhan Sumber Daya Manusia sampai saat t 'VMmMMNFOU PG )VNBO 3FTPVSDFT VOUJM OPX JT
ini masih dalam proses rekrutmen sesuai struktur still in the process of recruitment based on the
organisasi Bank. organizational structure of the Bank.
B. Governance Process B. Governance Process

1. Faktor-faktor positif aspek governance process Bank 1. The positive factors of the Bank’s governance process
adalah: aspect are:
• Implementasi pelaporan atas komitmen • Reporting on the commitments undertaken by
dilaksanakan Divisi Kepatuhan sesuai dengan the Compliance Division was in accordance with
ketentuan struktur organisasi bank bjb. the provisions related to Bank bjb organizational
• Pelaksanaan fungsi quality assurance bank bjb structure.
dilakukan dengan pengisian compliance checklist • The function of Bank bjb’s quality assurance was
terhadap permohonan kajian. QFSGPSNFE CZ mMMJOH UIF DPNQMJBODF BTTFTTNFOU
2. Faktor-faktor negatif aspek governance process Bank checklist to the review proposal.
adalah: 2. The negative factor of the Bank’s governance process
• Terdapat komitmen Bank yang masih dalam aspect is:
proses penyelesaian. • There is a commitment of the Bank which is still in
the process of completion.
C. Governance Outcome C. Governance Outcome

1. Faktor-faktor positif aspek governance outcome Bank 1. The positive factor of the Bank’s governance outcome
adalah: aspect is:
• Pelaksanaan quality assurance di bank bjb • Implementation of quality assurance in bank bjb
merupakan peningkatan kepatuhan Bank terhadap SFnFDUTBOJODSFBTFJOUIF#BOLTDPNQMJBODFXJUI
ketentuan yang berlaku. the applicable provisions.
2. Faktor-faktor negatif aspek governance outcome Bank 2. The negative factor of the Bank’s governance outcome
adalah: aspect is: :
• Masih terdapat temuan yang berulang. t 5IFFYJTUFODFPGSFDVSSJOHmOEJOHT

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
421
Hasil Penilaian Sendiri Pelaksanaan GCG/GCG Implementation Self Asseesment
Peringkat/Rating 'HÀQLVL3HULQJNDW'HÀQLWLRQRI5DWLQJ
Mencerminkan Manajemen Bank telah melakukan penerapan
2 Good Corporate Governance yang secara umum baik. Hal ini
tercermin dari pemenuhan yang memadai atas prinsip-prinsip
Good Corporate Governance. Apabila terdapat kelemahan
dalam penerapan prinsip Good Corporate Governance,
NBLBTFDBSBVNVNLFMFNBIBOUFSTFCVULVSBOHTJHOJmLBO
dan dapat diselesaikan dengan tindakan normal oleh
manajemen Bank
The Bank’s Management has implementated good corporate
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the principles of good corporate governance. If there is a
weakness in the application of the principles of good corporate
HPWFSOBODF UIFOJOHFOFSBMUIFXFBLOFTTJTMFTTTJHOJmDBOU
and can be solved with normal actions conducted by the
Bank’s Management.
Peningkatan Kualitas dan Efektivitas GCG Improving the Quality and Effectiveness of GCG
Pentingnya program peningkatan kualitas dan efektivitas The importance of improving the quality and effectiveness
penerapan GCG di lingkungan bank bjb dimanifestasikan of GCG implementation at bank bjb is manifested through
melalui sejumlah program, yang antara lain sosialisasi a number of programs, which includes the socialization of
QSPHSBN($( QFOFSBQBOQFEPNBOQFOHFOEBMJBOHSBUJmLBTJ ($(QSPHSBNT BQQMJDBUJPOPGUIFHVJEFMJOFTGPSHSBUJmDBUJPO
serta pedoman laporan harta kekayaan. Program-program control, as well as the guidelines for wealth report. Those
tersebut sangat penting untuk mendukung penerapan prinsip programs are very important to support the application of the
GCG yang berkualitas secara berkesinambungan. principles of good corporate governance with quality on an
ongoing basis.
Program peningkatan kualitas dan efektivitas GCG ini tidak The program to improve the quality and effectiveness of good
hanya berlaku bagi karyawan bank bjb, tetapi juga untuk corporate governance does not only apply to the employees
seluruh organ Bank. Mulai dari Dewan Komisaris, Direksi, of bank bjb, but also to all organs of the Bank. Starting from the
hingga seluruh pegawai. Bahkan dalam implementasinya, Board of Commissioners, Board of Directors, to all employees.
segala pemangku kepentingan yang terkait dengan bank bjb Moreover, in its implementation, all stakeholders related to
termasuk dalam koridor peningkatan pelaksanaan prinsip- bank bjb are included in the corridor of the improvement of
prinsip GCG. GCG principles implementation.
Sejumlah program yang telah dilaksanakan sepanjang tahun A number of programs have been implemented throughout
2014, antara lain: 2014, amont others:
• Melaksanakan penyempurnaan compliance sheet bagi t 3FmOFE UIF DPNQMJBODF TIFFU GPS PQFSBUJPOBM BOE OPO
bidang-bidang operasional dan non-operasional secara operational areas in stages.
bertahap. • Monitored the results of the examination by Bank Indonesia
• Memantau pelaksanaan hasil pemeriksaan Bank Indonesia and monitored the commitment of the Division and Branch
dan pemantauan terhadap komitmen Divisi dan Kantor 0GmDF PO UIF SFTVMUT PG UIF FYBNJOBUJPO CZ UIF *OUFSOBM
Cabang atas hasil pemeriksaan Divisi Audit Internal. Audit Division.
t .FNCVBU 4JTUFN "QMJLBTJ ,PEJmLBTJ ,FUFOUVBO *OUFSOBM t $SFBUFEBO*OUFSOBM"QQMJDBUJPO4ZTUFNPOUIF$PEJmDBUJPO
Perseroan. of the Internal Rules of the Company.
• Melakukan pemantauan terhadap transaksi-transaksi t $POEVDUFE NPOJUPSJOH PG mOBODJBM USBOTBDUJPOT GPS NPSF
Keuangan untuk dilakukan analisa lebih mendalam in-depth analysis on the potential of the occurrence of
terhadap potensi terjadinya Transaksi Keuangan Suspicious Transactions.
Mencurigakan.

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
• Melaksanakan kegiatan sosialisasi melalui pendidikan • Conducted socialization through education and
dan pelatihan APU-PPT terhadap karyawan bank bjb trainings on APU-PPT to bank bjb employees in order to
dalam rangka meningkatkan pemahaman atas penerapan improve the understanding of the implementation of the
program APUPPT di unit kerja terkait, dan meningkatkan APUPPT programs in related work units, and increase
pemahaman atas risiko pencucian uang dan pendanaan the understanding of the risk of money laundering and
terorisme. UFSSPSJTNmOBODJOH
t 5FSEBQBULFCJKBLBOQFOHFOEBMJBOHSBUJmLBTJZBOHEJLFMPMB t .BOBHFE UIF QPMJDZ PO HSBUJmDBUJPO DPOUSPM UISPVHI UIF
6OJU1FOHFOEBMJBO(SBUJmLBTJZBOHCFLFSKBTBNBEFOHBO (SBUJmDBUJPO$POUSPM6OJUJODPPQFSBUJPOXJUIUIF$PSSVQUJPO
Komisi Pemberantasan Korupsi (KPK) termasuk sosialisasi Eradication Commission (KPK) including the socialization
kepada karyawan untuk meningkatkan awareness to employees to increase the awareness of employees
LBSZBXBOUFSLBJUQFOHFOEBMJBOHSBUJmLBTJ SFMBUFEUPUIFDPOUSPMPGHSBUJmDBUJPO
• Melakukan sosialisasi atas peraturan eksternal terbaru • Socialized the latest external regulations to the work units.
kepada unit kerja. • Socialized the rules and regulations that apply to employees
• Melakukan sosialisasi peraturan dan perundang- to support the creation of a culture of compliance.
undangan yang berlaku kepada karyawan untuk
mendukung terciptanya budaya kepatuhan.
Tindak Lanjut Tahun 2015 Follow-ups in 2015

Untuk tahun 2015, program peningkatan kualitas dan For 2015, the programs to improve the quality and
efektivitas penerapan GCG di lingkungan bjb, di antaranya effectiveness of GCG implementation in bank bjb, will among
akan dilaksanakan: others include:
• Sosialisasi Upaya Peningkatan Budaya Kepatuhan • Socialization on the Efforts to Improve Compliance
Sosialisasi upaya peningkatan Budaya Kepatuhan yang Culture
telah disusun dalam Rencana Bisnis Bank Tahun 2015 Socialization on the efforts to improve compliance culture
kegiatan sosialisasi yang bertujuan meningkatkan Budaya that had been prepared in the Bank’s Business Plan 2015
kepatuhan dengan rencana sosialisasi sebagai berikut: Socialization activities aimed at improving the culture of
compliance with the plan of socialization as follows:
No Action Plan TW I TW II TW III TW IV Action Plan
1 Penyampaian sosialisasi Budaya Submission of Culture of

Kepatuhan baik melalui program Compliance good socialization
ð ð ð ð
pendidikan dan pelatihan through educational programs
pegawai. and employee training.
• Peningkatan Budaya Kepatuhan Melalui Fungsi Quality • Improvement of Compliance Culture Through the
Assurance Quality Assurance Function
Quality Assurance dilakukan dengan sistematis dan Quality Assurance will be performed systematically and
terbuka yang ditetapkan dalam model compliance openly, which is set out in the compliance checklist model
checklist untuk memberikan suatu keyakinan yang to provide a reasonable assurance that the regulations,
memadai bahwa ketentuan, sistem dan prosedur serta systems and procedures and business activities
kegiatan usaha yang dilakukan oleh Bank terkait bidang DPOEVDUFECZUIF#BOLSFMBUFEUPUIFmFMEPGTVQQPSUJOH
supporting maupun business sudah sesuai dengan or business are in compliance with Bank Indonesia
Peraturan Bank Indonesia dan Peraturan terkait termasuk Regulations and the related regulations including the
peraturan internal bank. bank’s internal regulations.
• Pemenuhan Komitmen )XOÀOOPHQWRI&RPPLWPHQWV
Implementasi pelaporan atas komitmen dilaksanakan Report on the commitments is carried out by the
Divisi Kepatuhan sesuai dengan ketentuan struktur Compliance Division in accordance with the provisions of
organisasi bank bjb serta mengusulkan pemenuhan the organizational structure of bank bjb and the proposal

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
423
komitmen Bank yang disampaikan oleh Divisi/Unit Kerja, UP GVMmMM UIF DPNNJUNFOUT JT DPOWFZFE CZ UIF %JWJTJPOT
Kantor Wilayah dan Kantor Cabang dimasukan sebagai 8PSL 6OJUT 3FHJPOBM 0GmDFT BOE #SBODI 0GmDFT BT POF
salah satu komponen penilaian kinerja dalam Balance of the components of performance assessment in the
Score Card. Balance Score Card.
,PSOHPHQWDVL3HQJHORODDQ*UDWLÀNDVLGDQ/+.31 ,PSOHPHQWDWLRQ RI WKH 0DQDJHPHQW RI *UDWLÀFDWLRQ
1. Berkesinambungan melakukan sosialisasi serta And LHKPN
membagikan Kontrak Komitmen/Pakta Integritas untuk 1. Continuously socialize and distribute the Commitment
ditandatangani oleh Segenap Organisasi bank bjb Contract/ Integrity Pact to be signed by the organization
2. Melakukan pengelolaan Compliance Sheet Unit of bank bjb
1FOHFOEBMJBO(SBUJmLBTJ .BOBHF UIF $PNQMJBODF 4IFFU PG UIF (SBUJmDBUJPO
3. Menyatakan kepada Stakeholder mengenai Penerapan Control Unit
1SPHSBN1FOHFOEBMJBO(SBUJmLBTJ 3. Declare to the Stakeholders the Application of
• Melakukan Pemantauan Terhadap Kegiatan Pengkinian (SBUJmDBUJPO$POUSPM1SPHSBN
Data Nasabah. • Conduct Monitoring on the Activities of Customer Data
1. Penyusunan Laporan Rencana Pengkinian Data Update.
Nasabah Tahun 2015 dan Laporan Realisasi Pengkinian 1. Preparation of the Report on the Plan on Customer Data
Data Nasabah Tahun 2014 telah dilaksanakan dan Updates in 2015 and the Report on the Realization
dilakukan selama bulan Januari 2015. of Customer Data Update in t 2014, which had been
2. Pemantauan pengkinian data nasabah pada Tahun implemented and carried out during the month of
2015 berfokus pada pencapaian target masing-masing January 2015.
Kantor Cabang dan KCP berdasarkan komitmen yang 2. Monitor the customer data update in 2015 focused on
telah dibuat pada Laporan Rencana Pengkinian Data UIF BDIJFWFNFOU PG UIF UBSHFUT JO FBDI CSBODI PGmDF
Nasabah. BOE TVCCSBODI PGmDF CBTFE PO DPNNJUNFOUT NBEF
• Melakukan Pemantauan Terhadap Transaksi Nasabah. in the Report on the Plan on Customer Data Update.
1. Pemantauan transaksi nasabah dalam rangka • Conduct Monitoring on Customer Transactions.
pemenuhan kewajiban Pelaporan terkait penerapan .POJUPS DVTUPNFS USBOTBDUJPOT JO PSEFS UP GVMmMM UIF
APUPPT kepada PPATK. reporting obligation related to the APUPPT to PPATK.
2. Pemantauan akan dikembangkan seiring dengan 2. Monitoring will be developed along with the
pengembangan aplikasi AML yang bekerja sama development of AML application in cooperation with
dengan Vendor Ahli penyedia aplikasi AML, the Vendor expert in AML application providers. It
diharapkan dengan aplikasi AML yang baru proses is expected that with the new AML application, the
pemantauan transaksi akan lebih efektif dilaksanakan. transactions monitoring process can be implemented
• Review Prosedur Pelaksanaan Enhanced Due Diligence more effectively.
(EDD) Kantor Cabang. • Review the Procedures for Enhanced Due Diligence
Pelaksanaan EDD akan diterapkan melalui pembuatan (''RIWKH%UDQFK2IÀFHV
Formulir khusus terkait dengan data-data nasabah EDD will be implemented through the creation of a special
berisiko tinggi dengan lebih lengkap yang berbeda form related to the data of customers with high-risk which
dengan formulir pembukaan rekening yang hanya sesuai is more complete and different with the account opening
untuk proses Costumer Due Diligence (CDD). form which is only appropriate for the process of Customer
Due Diligence (CDD).
Perubahan Komposisi Pengurus Perseroan Changes in Composition of the Management of

Sesuai dengan Undang-Undang Nomor 40 Tahun 2007 the Company
tentang Perseroan Terbatas, Direksi merupakan organ In accordance with Act No. 40 of 2007 on Limited Liability
Perseroan yang berwenang dan bertanggung jawab penuh Company, the Company’s Board of Directors is the authorized
atas pengurusan Perseroan untuk kepentingan Perseroan, organ fully responsible for the management of the Company
sesuai dengan maksud dan tujuan Perseroan. GPSUIF$PNQBOZTCFOFmUTJOBDDPSEBODFXJUIUIFHPBMTBOE
objectives of the Company.

Pendahuluan
Laporan Manajemen
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%BUB1FSVTBIBBO
Begitu juga dengan Dewan Komisaris, yang merupakan organ Similar with the Board of Commissioners which is an organ of
Perseroan. Tugas dan tanggung jawabnya adalah melakukan the Company. The duties and responsibilities of the Board of
pengawasan dan memberikan nasihat kepada Direksi serta Commissioners are to supervise and provide advices to the
memastikan penerapan prinsip-prinsip tata kelola perusahaan Board of Directors, as well as ensure the application of the
yang baik (Good Corporate Governance/GCG) pada seluruh principles of good corporate governance (GCG) at all levels
tingkatan atau jenjang organisasi. or ranksof the organization.
Dalam industri perbankan, penentuan Direksi dan Dewan In the banking industry, the appointment of the Board of
Komisaris melibatkan regulator di bidang keuangan, dalam Directors and Board of Commissioners involve regulators
hal ini Otoritas Jasa Keuangan. Karena itu, penentuan Direksi JO UIF mOBODJBM mFME JO UIJT DBTF UIF 'JOBODJBM 4FSWJDFT
dan Dewan Komisaris bukan hanya otoritas pemegang Authority. Therefore, the appointment of the Board of Directors
saham, walaupun kemudian ditetapkan melalui Rapat Umum and Board of Commissioners is not only the authority of the
Pemegang Saham. shareholders, even if later determined by the General Meeting
of Shareholders.
Di lingkungan Perseroan, sepanjang tahun 2014 telah During the year 2014, the Company performed two
mengalami dua kali Rapat Umum Pemegang Saham Luar Extraordinary General Meeting of Shareholders (EGM) to
Biasa (RUPSLB) untuk menentukan komposisi Direksi dan determine the composition of the Board of Directors and Board
Dewan Komisaris yaitu pada tanggal 1 Juli 2014 dan tanggal of Commissioners, namely on July 1, 2014 and December 19,
19 Desember 2014. 2014.
Pada tanggal 1 Juli 2014, Perseroan menyelenggarakan On July 1, 2014, the Company’s EGM was held in Bandung,
RUPSLB di Bandung, yang menghasilkan keputusan, di which resulted in the following decisions:
antaranya: a. Dismiss with respect Bien Subiantoro as the President
a. Memberhentikan dengan hormat Bien Subiantoro selaku Director of the Company, Arie Yulianto as a Director of
Direktur Utama Perseroan, Arie Yulianto selaku Direktur the Company and Djamal Muslim as a Director of the
Perseroan dan Djamal Muslim selaku Direktur Perseroan. Company.
b. Appoint Ahmad Irfan as a Director of the Company since
b. Mengangkat Ahmad Irfan selaku Direktur Perseroan the application of the amendments to the Articles of
terhitung sejak berlakunya perubahan Anggaran Dasar Association of the Company which has been approved
Perseroan yang telah disetujui dalam RUPS Luar Biasa in the Extraordinary General Meeting of Shareholders
dimaksud. referred to.
Dengan demikian susunan Pengurus Perseroan menjadi Thus, the composition of the Management of the Company
sebagai berikut: became:

Komisaris : Muhadi Commissiner : Muhadi
Komisaris Independen : Achmad Baraba Independent Commissiner : Achmad Baraba
Komisaris Independen : Klemi Subiyantoro Independent Commissiner : Klemi Subiyantoro
Komisaris Independen : Yayat Sutaryat Independent Commissiner : Yayat Sutaryat
Komisaris Independen : Rudhyanto Mooduto Independent Commissiner : Rudhyanto Mooduto

Direktur Kepatuhan dan Director – Compliance and
Manajemen Risiko : Zaenal Aripin Risk Management : Zaenal Aripin
Direktur : Ahmad Irfan Director : Ahmad Irfan

Introduction
Management Report
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Corporate Data
425
Pada tanggal 19 Desember 2014, Perseroan kembali In December 19, 2014, the Company held the another EGM in
menyelenggarakan RUPSLB di Bandung, dengan keputusan Bandung, with the following decisions:
diantaranya: B "QQPJOU 5BVmFRVSBDINBO 3VLJ BT UIF 1SFTJEFOU
B .FOHBOHLBU 5BVmFRVSBDINBO 3VLJ TFMBLV ,PNJTBSJT Commissioner and Wawan Ridwan as Commissioner
Utama dan Wawan Ridwan selaku Komisaris b. Appoint Ahmad Irfan as the President Director
b. Mengangkat Ahmad Irfan selaku Direktur Utama c. Appoint Agus Gunawan, Benny Santoso, Fermiyanti, Nia
c. Mengangkat Agus Gunawan, Benny Santoso, Fermiyanti, Kania and Suartini as Directors
Nia Kania dan Suartini selaku Direktur
Selain hal tersebut, RUPSLB juga memberikan wewenang In addition, the EGM also gave authorization to the President
kepada Direktur Utama untuk menetapkan pembagian bidang Director to establish the division of tasks of the Board of
kerja Direksi dengan melaporkan hasil keputusan tersebut Directors and report the results of the decision to the Board
kepada Dewan Komisaris. of Commissioners.
Dengan demikian, susunan Pengurus Perseroan sejak Thus, the composition of the Management of the Company
ditutupnya Rapat Umum Pemegang Saham Luar Biasa since the closing of the Extraordinary General Meeting of the
(RUPSLB) dimaksud menjadi sebagai berikut: 4IBSFIPMEFST &(.
CFEFmOFEBTGPMMPXT

,PNJTBSJT6UBNB 5BVmFRVSBDINBO3VLJ 1SFTJEFOU$PNNJTTJPOFS 5BVmFRVSBDINBO3VLJ
Komisaris : Wawan Ridwan Commissioner : Wawan Ridwan
Komisaris Independen : Achmad Baraba Independent Commissiner : Achmad Baraba
Komisaris Independen : Klemi Subiyantoro Independent Commissiner : Klemi Subiyantoro
Komisaris Independen : Rudhyanto Mooduto Independent Commissiner : Rudhyanto Mooduto
Komisaris Independen : Yayat Sutaryat Independent Commissiner : Yayat Sutaryat

Direktur : Zaenal Aripin Director : Zaenal Aripin
Direktur : Agus Gunawan Director : Agus Gunawan
Direktur : Benny Santoso Director : Benny Santoso
Direktur : Fermiyanti Director : Fermiyanti
Direktur : Nia Kania Director : Nia Kania
Direktur : Suartini Director : Suartini
Selanjutnya, sesuai dengan Surat Keputusan Direktur Utama Furthermore, in accordance with the Decree of the President
Nomor 1022/SK/DIR-CS/2014 tanggal 29 Desember 2014 Director No. 1022/SK/DIR-CS/2014 dated December 29, 2014
tentang Penetapan Susunan Direksi, telah ditetapkan susunan on the Establishment of Board of the composition of the Board
Direksi Perseroan yaitu sebagai berikut: of Directors, the composition of the Board of Directors of the
Company has been determined as follows:

Direktur Mikro : Agus Gunawan Director – Micro : Agus Gunawan
Direktur Operasional : Benny Santoso Director – Operational : Benny Santoso

Pendahuluan
Laporan Manajemen
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Direktur Konsumer : Fermiyanti Director – Consumer : Fermiyanti

Direktur Keuangan : Nia Kania Director – Finance : Nia Kania
Direktur Komersial : Suartini Director – Commercial : Suartini
Program Peningkatan Kualitas dan Efektivitas The Program to Improve the Quality and
GCG Effectiveness of GCG
bank bjb is aware of the importance of improving the quality
bank bjb menyadari pentingnya peningkatan kualitas Tata
of good corporate governance in a structured and tiered
Kelola Perusahaan secara terstruktur dan berjenjang. Untuk
manner. To that end, bank bjb holds programs related to the
itu bank bjb menyelenggarakan program-program yang
improvement of the Quality and Effectiveness of GCG. In 2014
terkait dengan Peningkatan Kualitas dan Efektivitas GCG. Di
the programs included:
tahun 2014 program-program yang dilaksanakan antara lain
adalah:
Keterangan/Description Tanggal/Date Tempat/Location
Train for Trainer 27-29 Januari 2014 Inhouse bank bjb

Train for Trainer January 27-29, 2014
Train for Trainer & Salesmanship 17-19 Februari 2014 Inhouse bank bjb
For Service People February 17-19, 2014
Train for Trainer & Salesmanship For
Service People
Train for Trainer Harta Kekayaan 6 Mei 2014 Jakarta

Negara May 6, 2014
Train for Trainer State Assets
TOT Lanjutan Piloting 2-4 Desember 2014 Inhouse bank bjb

Pembentukan Tunas Integritas December 2-4, 2014
dan Pembangunan Sistem
Integritas Organisasi
Advanced TOT Piloting the
Establishment of Cadres of Integrity
and Development of Organization
Integrity System
Keterangan/Description Tanggal/Date Tempat/Location
Pelatihan Change Agent 13 November 2014 Inhouse bank bjb

Change Agent Training November 13, 2014

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
427
Informasi Penting Lain Terkait GCG Other Important Information Related to GCG
1. Penghargaan Penerapan GCG 1. Awards on GCG Implementation

Konsistensi bank bjb dalam melaksanakan penerapan bank bjb’s consistency in implementing the principles
prinsip-prinsip GCG di lingkungan Bank telah of good corporate governance in the Bank has gained
mendapatkan apresiasi dari pemangku kepentingan the appreciation of competent stakeholders. For 2014,
yang berkompeten. Untuk tahun 2014, penghargaan the award on the GCG implementation is given by the
penerapan GCG diberikan oleh Komisi Pemberantasan Corruption Eradication Commission (KPK).
Korupsi (KPK).
Lembaga tersebut menilai bahwa bank bjb telah memenuhi The agency assesses that bank bjb IBT GVMmMMFE JUT
komitmen terhadap penerapan larangan menerima DPNNJUNFOUUPUIFQSPIJCJUUIFBDDFQUBODFPGHSBUJmDBUJPO
HSBUJmLBTJ EJ MJOHLVOHBO #BOL ZBOH NFSVQBLBO CBHJBO in the Bank, which is an important part in the implementation
penting dalam pelaksanaan tata kelola perusahaan yang of good corporate governance. The award from KPK
baik. Penghargaan dari KPK pada tahun 2014 itu adalah in 2014 was “The Regional-Owned Company With the
i#6.% %FOHBO +VNMBI -BQPSBO (SBUJmLBTJ 5FSCBOZBL )JHIFTU /VNCFS PG (SBUJmDBUJPO 3FQPSU BOE 0O
dan 96,14% Tepat Waktu Tahun 2014” yang diberikan Time in 2014” which was handed in December 9, 2014.
pada tanggal 9 Desember 2014.
8QLW3HQJHQGDOLDQ*UDWLÀNDVL *UDWLÀFDWLRQ&RQWURO8QLW

Sesuai dengan Undang-Undang Nomor 20 tahun 2001 In accordance with Law No. 20 of 2001 on Corruption
UFOUBOH1FNCFSBOUBTBO5JOEBL1JEBOB,PSVQTJ HSBUJmLBTJ &SBEJDBUJPO HSBUJmDBUJPO HSBUJmDBUJPO JT UIF HJGU JO B
adalah pemberian dalam arti luas, yakni meliputi pemberian broad sense, namely including money, goods, rebate
uang, barang, rabat (discount), komisi, pinjaman tanpa (discount), commissions, interest-free loans, travel tickets,
bunga, tiket perjalanan, fasilitas penginapan, perjalanan accomodation, travel, free medical treatment, and other
wisata, pengobatan cuma-cuma, dan fasilitas lainnya. facilities.
(SBUJmLBTJ UFSTFCVU CBJL ZBOH EJUFSJNB EJ EBMBN OFHFSJ (SBUJmDBUJPOXIJDIBSFCPUISFDFJWFEBUJOTJEFUIFDPVOUSZ

maupun di luar negeri dan yang dilakukan dengan and abroad and carried out by using electronic means or
menggunakan sarana elektronik atau tanpa sarana without electronic means. The provision does not apply if
elektronik. Ketentuan tersebut tidak berlaku jika penerima UIF SFDJQJFOU SFQPSUT UIF HSBUJmDBUJPO IF TIF SFDFJWFT UP
NFMBQPSLBO HSBUJmLBTJ ZBOH EJUFSJNBOZB LFQBEB ,PNJTJ the Corruption Eradication Commission.
Pemberantasan Tindak Pidana Korupsi.
Bagi bank bjb QFOHFOEBMJBO HSBUJmLBTJ NFSVQBLBO For bank bjb DPOUSPMMJOH HSBUJmDBUJPO JT BO JNQPSUBOU
bagian penting dari proses pelaksanaan penerapan GCG part of the process of GCG implementation in the Bank.
di lingkungan Bank. Karena itulah, Bank telah membentuk 5IFSFGPSF UIF#BOLIBTFTUBCMJTIFEB(SBUJmDBUJPO$POUSPM
6OJU 1FOHFOEBMJBO (SBUJmLBTJ TFCBHBJ XVKVE LPNJUNFO Unit as a form of commitment to create good and clean
menciptakan tata kelola perusahaan yang baik dan bersih corporate governance in order to create sustainable
agar tercipta kinerja GCG yang berkesinambungan. performance of GCG.

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
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2UJDQLVDVL8QLW3HQJHQGDOLDQ*UDWLÀNDVL 7KH2UJDQL]DWLRQRIWKH*UDWLÀFDWLRQ&RQWURO8QLW
Di lingkungan bank bjb 6OJU 1FOHFOEBMJBO (SBUJmLBTJ In bank bjb UIF (SBUJmDBUJPO $POUSPM 6OJU JT VOEFS UIF
berada di bawah Direktorat Kepatuhan, yang bekerja Directorate of Compliance, which works independently. In a
secara independen. Dalam arti, tidak dapat diintervensi saat sense, there shall be no interventions when carrying out its
melaksanakan fungsinya di bidang kepatuhan. GVODUJPOTJOUIFmFMEPGDPNQMJBODF
%BMBN QFOHFMPMBBO QSPHSBN QFOHFOEBMJBO HSBUJmLBTJ *O UIF NBOBHFNFOU PG UIF HSBUJmDBUJPO DPOUSPM QSPHSBN
bank bjb senantiasa bekerja sama dengan KPK sebagai bank bjb continues to cooperate with KPK as an institution
lembaga yang memiliki wewenang dan kompeten terkait that has the authority and competence related to issues on
EFOHBO NBTBMBI HSBUJmLBTJ 4FMBJO JUV ,1, KVHB NFSVQBLBO HSBUJmDBUJPO*OBEEJUJPO ,1,JTBMTPBOJOTUJUVUJPOUIBUDBSSJFT
lembaga yang melaksanakan amanah dari Undang-Undang out the mandate of the Law on Combating Corruption, in which
1FNCFSBOUBTBO 5JOEBL 1JEBOB ,PSVQTJ EJNBOB HSBUJmLBTJ HSBUJmDBUJPOCFDPNFTQBSUPGUIFMBX
menjadi bagian dari undang-undang tersebut.
Landasan Pelaksanaan Basis of Implementation

Sejumlah peraturan telah diterbitkan dan dimutakhirkan terkait "OVNCFSPGSFHVMBUJPOTSFMBUFEUPHSBUJmDBUJPODPOUSPMJOCBOL
EFOHBO QFMBLTBOBBO QFOHFOEBMJBO HSBUJmLBTJ EJ MJOHLVOHBO bjb have been published and updated. The internal rules used
bank bjb. Di antara peraturan internal yang dijadikan landasan as the basis of implementation include:
pelaksanaan adalah: • Decree of the Board of Directors of bank bjb No. 709/SK/
• Surat Keputusan Direksi bank bjb Nomor: 709/SK/DIR- DIR-KP/2014 on the Business Ethics and Code of Conduct
KP/2014 tentang Etika Usaha dan Tata Perilaku (Code of of PT Bank Pembangunan Daerah Jawa Barat dan
Conduct) PT Bank Pembangunan Daerah Jawa Barat dan Banten Tbk.
Banten Tbk. • Decree of the Board of Directors of bank bjb No. 713/SK/
• Surat Keputusan Direksi bank bjb Nomor: 713/SK/DIR- DIR-KP/2014 on the Guidelines for the Wealth Report in
KP/2014 tentang Pedoman Laporan Harta Kekayaan di PT Bank Pembangunan Daerah Jawa Barat dan Banten
Lingkungan PT Bank Pembangunan Daerah Jawa Barat Tbk.
• Surat Keputusan Direksi bank bjb Nomor: 714/SK/DIR- DIR-KP/2014 on the Standard Operating Procedures for
KP/2014 tentang Standar Operasional Prosedur Laporan the Wealth Report in PT Bank Pembangunan Daerah Jawa
Harta Kekayaan di Lingkungan PT Bank Pembangunan Barat dan Banten Tbk.
Daerah Jawa Barat dan Banten Tbk. • Decree of the Board of Directors of bank bjb No. 711/SK/
• Surat Keputusan Direksi bank bjb Nomor: 711/SK/DIR- %*3,1POUIF(VJEFMJOFTGPS(SBUJmDBUJPO$POUSPMJO
,1 UFOUBOH 1FEPNBO 1FOHFOEBMJBO (SBUJmLBTJ EJ PT Bank Pembangunan Daerah Jawa Barat dan Banten
Lingkungan PT Bank Pembangunan Daerah Jawa Barat Tbk.
• Surat Keputusan Direksi bank bjb Nomor: 712/SK/ DIR-KP/2014 on the Standard Operating Procedures for
DIR-KP/2014 tentang Standar Operasional Prosedur UIF(SBUJmDBUJPO$POUSPMJO15#BOL1FNCBOHVOBO%BFSBI
1FOHFOEBMJBO (SBUJmLBTJ EJ -JOHLVOHBO 15 #BOL Jawa Barat dan Banten Tbk.
Pembangunan Daerah Jawa Barat dan Banten Tbk.

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
429
Pelaksanaan Kegiatan 2014 Implementation of Activities in 2014

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MBQPSBO QFOFSJNBBO HSBUJmLBTJ TFOJMBJ FLVJWBMFO
SFQPSUT PO HSBUJmDBUJPO XPSUI FRVJWBMFOU UP
3Q
Rp107,76 juta. Dari seluruh laporan itu, 38 di antaranya yang million. From all reports, 38 of which, namely worth (equivalent
senilai (ekuivalen) Rp23,4 juta menjadi penanganan KPK to) Rp 23.4 million, were handled by KPK in determining the
EBMBNQFOFUBQBOTUBUVTHSBUJmLBTJZBOHEJUFSJNB TUBUVTPGUIFSFDFJWFEHSBUJmDBUJPO

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
RAPAT UMUM PEMEGANG SAHAM (RUPS)

GENERAL MEETINGS OF SHAREHOLDERS (GMS)
RUPS yang dilaksanakan setiap tahun mempunyai wewenang General Meetings of Shareholders, which is held each
untuk meminta pertanggung jawaban Dewan Komisaris dan year, have the authority to hold accountable the Board of
Direksi terkait dengan pengelolaan perusahaan, mengubah Commissioners and Directors related to the management
anggaran dasar, mengangkat dan memberhentikan Dewan of the company, the changes of articles of associations, the
Komisaris dan Direksi, memutuskan pembagian tugas dan appointing and dismissal of the Board of Commissioners and
wewenang Direktur dan lainnya. bank bjb menjamin untuk Directors, decisions on the division of duties and authorities
memberikan segala keterangan yang berkaitan dengan Bank of the Director, and others. bank bjb guarantees to provide
kepada pemegang saham, sepanjang tidak bertentangan all information related to the Bank to shareholders, as long as
dengan kepentingan perusahaan dan peraturan perundang- they are not contrary to the interests of the company. General
undangan. Keputusan dalam RUPS didasarkan pada Meetings of Shareholders can not intervene against the duties,
kepentingan Perseroan. RUPS tidak dapat melakukan functions, and authority of the Board of Commissioners and
intervensi terhadap tugas, fungsi, dan wewenang Dewan Directors, without undermining the authority of the General
Komisaris dan Direksi dengan tidak mengurangi wewenang Meetings of Shareholders to run its right in accordance with
RUPS untuk menjalankan haknya sesuai dengan anggaran the statutes and regulations.
dasar dan peraturan.
RUPS merupakan organ tertinggi di bank bjb, yang memegang GMS is the highest part of bank bjb, which holds all authority
seluruh otoritas yang tidak dilimpahkan kepada Dewan not delegated to the Board of Commissioners or Board
Komisaris ataupun Direksi. Pelaksanaan RUPS dilakukan of Directors. Implementation of the GMS is done through
melalui Rapat Umum Pemegang Saham Tahunan (RUPST) the Annual General Meeting of Shareholders (AGMS) and
dan Rapat Umum Pemegang Saham Luar Biasa (RUPSLB). Extraordinary General Meeting of Shareholders (EGMS).
Rapat Umum Pemegang Saham Tahun Buku 2014 General Meeting of Shareholders for Fiscal Year
2014
Di tahun 2014 Perseroan telah menyelenggarakan 3 (tiga) In 2014, the Company conducted 3 (three) General Meeting of
kali Rapat Umum Pemegang Saham (RUPS) dengan rincian Shareholders (GMS) with the following details:
sebagai berikut:
I. Rapat Umum Pemegang Saham Tahunan Tahun I. Annual General Meeting of Shareholders for the
Buku 2013 dan Luar Biasa Tahun 2014 Fiscal Year 2013 and Extraordinary GMS 2014
RUPS dilaksanakan di Bandung pada tanggal 26 Maret The GMS was held in Bandung in March 26, 2014 and
2014 yang diawali dengan Pemberitahuan rencana began with the announcement of the plan of GMS to the
penyelenggaraan RUPS kepada OJK dan Bursa Efek FSA and the Indonesia Stock Exchange with the following
Indonesia dengan langkah-langkah sebagai berikut: steps:
a. Nomor 066/DIR-CS/2014 tanggal 17 Februari 2014 a. No 066/DIR-CS/2014 dated February 17, 2014
perihal pemberitahuan Rencana Penyelenggaraan DPODFSOJOHUIFOPUJmDBUJPOPOUIFQMBOGPS(.4
RUPS. b. No 081/DIR-CS/2014 dated February 24, 2014
b. Nomor 081/DIR-CS/2014 tanggal 24 Februari 2014 regarding the Submission of the Proof of Advertisement
perihal Penyampaian Bukti Iklan Pemberitahuan Rapat PO UIF /PUJmDBUJPO PG UIF (FOFSBM .FFUJOH PG
Umum Pemegang Saham. Shareholders.
c. Nomor 098/DIR-CS/2014 tanggal 11 Maret 2014 c. No. 098/DIR-CS/2014 dated March 11, 2014 regarding
perihal Penyampaian Bukti Iklan Panggilan RUPS the Submission of the Proof of Advertisement on the
Tahunan Tahun Buku 2013 dan Luar Biasa Tahun Invitation for Annual General Meeting of Shareholders
2014. for the Fiscal Year 2013 and 2014 Extraordinary GMS.
d. Nomor 154/DIR-CS/2014 tanggal 27 Maret 2014 d. No. 154/DIR-CS/2014 dated March 27, 2014
perihal Penyampaian Hasil Keputusan RUPS Tahunan concerning the Submission of the Decisions of the

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
431
Tahun Buku 2013 dan Luar Biasa Tahun 2014 serta Annual General Meeting of SHareholders for Fiscal
Pembagian Dividen Tunai Tahun Buku 2013. Year 2013 and the 2014 Extraordinary GMS as well as
the distribution of Cash Dividend for the Fiscal Year
2013.
Iklan pemberitahuan, panggilan dan hasil keputusan 5IF "EWFSUJTNFOU PO UIF OPUJmDBUJPO JOWJUBUJPO BOE
RUPS tersebut di publikasikan pada 3 (tiga) Harian the decisions of the general meeting of shareholders
Umum yaitu, Bisnis Indonesia, Pikiran Rakyat dan were published in 3 (three) Daily Newspapers, namely
Radar Banten. Bisnis Indonesia, Pikiran Rakyat and Radar Banten.
Agenda RUPS Tahunan Tahun Buku 2013 dan Luar Agenda for the Annual General Meeting of Shareholders
Biasa 2014 IRU WKH ÀVFDO \HDU DQG WKH ([WUDRUGLQDU\
GMS
a. RUPS Tahunan Tahun Buku 2013 a. Annual General Meeting of Fiscal Year 2013
1. Persetujuan Laporan Tahunan Direksi mengenai 1. Approved the Annual Report of the Board of
keadaan dan jalannya Perseroan termasuk Directors on the situation and the course of the
Laporan Pelaksanaan Tugas Pengawasan Dewan Company, including the Report on the application
Komisaris untuk Tahun Buku 2013 dan pengesahan of the supervisory function of the Board of
Laporan Keuangan Perseroan Tahun Buku $PNNJTTJPOFST GPS 'JTDBM :FBS BOE SBUJmFE
2013 sekaligus pembebasan tanggung jawab the Financial Statements for the Fiscal Year 2013
sepenuhnya kepada Direksi dan Dewan Komisaris as well as released the the Board of Directors
atas tindakan pengurusan dan pengawasan yang and Board of Commissioners from the actions of
telah dijalankan selama Tahun Buku 2013. management and supervision applied during the
2. Penetapan penggunaan laba bersih termasuk mTDBMZFBS
pembagian dividen untuk Tahun Buku 2013. %FUFSNJOFE UIF VTF PG OFU QSPmU JODMVEJOH UIF
3. Pemberian kuasa kepada Dewan Komisaris dalam EJTUSJCVUJPOPGEJWJEFOEGPSUIFmTDBMZFBS
hal penunjukkan Kantor Akuntan Publik untuk 3. Gave authorization to the Board of Commissioners
mengaudit Laporan Keuangan Perseroan Tahun UP BQQPJOU B QVCMJD BDDPVOUJOH mSN UP BVEJU UIF
Buku 2014. Company’s Financial Statements for Fiscal Year
4. Laporan penggunaan dana hasil penawaran umum 2014.
perdana saham Perseroan pada tahun 2013. 4. Reported the use of proceeds from the Company’s
initial public offering in 2013.
b. RUPS Luar Biasa Tahun 2014 b. 2014 Extraordinary General Meeting of Shareholders
1. Perubahan dan atau penyesuaian beberapa pasal 1. Changes and or adjustments of several articles of
Anggaran Dasar Perseroan. the Company’s Articles of Association.
Hasil RUPS Tahunan Tahun Buku 2013 dan Luar Biasa Results for the Annual General Meeting of Shareholders
Tahun 2014 Fiscal Year 2013 and 2014 Extraordinary GMS
a. RUPS Tahunan Tahun Buku 2013 a. Annual General Meeting of Sahareholders Fiscal
Rapat Umum Pemegang Saham telah memenuhi Year 2013
korum karena dihadiri oleh pemegang saham yang 5IF (FOFSBM .FFUJOH PG 4IBSFIPMEFST IBT GVMmMMFE
mewakili 7.750.358.873 saham atau 79,9 % dari the quorum as it was attended by shareholders
seluruh saham dengan hak suara yang sah yang telah representing 7,750,358,873 shares or 79.9% of the
dikeluarkan oleh Perseroan, sesuai dengan Anggaran total shares with valid voting rights issued by the
Dasar Perseroan. Company, in accordance with the Company’s Articles
of Association.

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
Keputusan Agenda 1: Decisions of Agenda 1:

a. Menyetujui Laporan Tahunan Perseroan dan a. Approved the Company’s Annual Report and
menyetujui Laporan Tugas Pengawasan yang approved the Report on the supervision conducted
telah dilaksanakan oleh Dewan Komisaris untuk by the Board of Commissioners for the Fiscal Year
Tahun Buku 2013. 2013.
b. Mengesahkan Laporan Keuangan Perseroan C 3BUJmFE UIF $PNQBOZT 'JOBODJBM 4UBUFNFOUT GPS
untuk tahun buku 2013 yang telah diaudit oleh UIF mOBODJBM ZFBS BVEJUFE CZ 1VSXBOUPOP
Kantor Akuntan Publik Purwantono, Suherman & Suherman & Surja, a member of Ernst & Young
Surja, anggota dari Ernst & Young Global sesuai Global in accordance with the report No RPC - 4960/
dengan laporannya No. RPC - 4960/PSS/2014 PSS/2014 dated March 6, 2014, with reasonable
tanggal 6 Maret 2014, dengan pendapat wajar opinion in all material respects in accordance with
dalam semua hal yang material sesuai dengan the Financial Accounting Standards in Indonesia.
Standar Akuntansi Keuangan di Indonesia. c. Furthermore, with the approval of the Annual
c. Selanjutnya dengan disetujuinya Laporan 3FQPSU BOE UIF SBUJmDBUJPO PG UIF $PNQBOZT
Tahunan dan disahkannya Laporan Keuangan $POTPMJEBUFE'JOBODJBM4UBUFNFOUTGPSUIFmOBODJBM
Perseroan Konsolidasian untuk tahun buku 2013 year 2013, the GMS provides full release and
tersebut, maka RUPS memberikan pelunasan dan discharge of all responsibilities (acquit et de
pembebasan sepenuhnya dari tanggung jawab charge) to all members of the Board of Directors
(acquit et de charge) kepada seluruh anggota for the actions of management and to all members
Direksi atas tindakan pengurusan dan kepada of the Board of Commissioners for the supervision
seluruh anggota Dewan Komisaris atas tindakan NFBTVSFTFYFDVUFEEVSJOHUIFmOBODJBMZFBS
pengawasan yang telah dijalankan selama tahun BTGBSBTUIFBDUJPOTBSFSFnFDUFEJOUIF$PNQBOZT
buku 2013 sejauh tindakan tersebut tercermin Financial Statements.
dalam Laporan Keuangan Perseroan.
Keputusan Agenda 2: Decisions of Agenda 2:

Menyetujui penetapan penggunaan Laba Bersih "QQSPWFEUIFVTFPGUIF$PNQBOZT/FU1SPmUGPSUIF
Perseroan untuk Tahun Buku 2013 sebesar mTDBM ZFBS BNPVOUFE UP 3Q
Rp 1.376.662.207.463,- (satu triliun tiga ratus tujuh (one billion three hundred and seventy-six billion six
puluh enam miliar enam ratus enam puluh dua juta dua hundred and sixty-two million two hundred seven
ratus tujuh ribu empat ratus enam puluh tiga rupiah) thousand four hundred sixty-three Rupiah) as follows:
sebagai berikut: B mGUZmWF QFSDFOU
PG UIF OFU QSPmU PG UIF
a. 55% (lima puluh lima persen) dari laba bersih mOBODJBMZFBSPS3Q TFWFO
tahun buku 2013 atau setelah pembulatan sebesar IVOESFE BOE mGUZTFWFO CJMMJPO UXP IVOESFE
Rp 757.280.340.065,- (tujuh ratus lima puluh tujuh eighty million three hundred forty thousand sixty-
miliar dua ratus delapan puluh juta tiga ratus empat mWF 3VQJBI
BGUFS SPVOEJOH XJMM CF EFTJHOBUFE BT
puluh ribu enam puluh lima rupiah) ditetapkan cash dividends and distributed to all registered
sebagai dividen tunai dan dibagikan kepada shareholders in accordance with the applicable
seluruh pemegang saham yang tercatat sesuai regulations. Furthermore, power and authority
dengan ketentuan yang berlaku. Selanjutnya are given to the Board of Directors to regulate the
memberikan kuasa dan wewenang kepada Direksi procedures for the payment of cash dividends.
untuk mengatur tatacara pembayaran dividen C GPSUZ mWF QFSDFOU
PG UIF OFU QSPmU PG UIF
tunai tersebut. mOBODJBM ZFBS PS 3Q TJY
b. 45% (empat puluh lima persen) dari laba bersih hundred and nineteen billion three hundred and
tahun buku 2013 atau setelah pembulatan sebesar eighty-one million eight hundred and sixty-seven
Rp 619.381.867.398,- (enam ratus sembilan belas thousand three hundred and ninety eight Rupiah)
miliar tiga ratus delapan puluh satu juta delapan

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
433
ratus enam puluh tujuh ribu tiga ratus sembilan after rounding will be designated as general
puluh delapan rupiah) ditetapkan sebagai reserves.
Cadangan Umum.
Keputusan Agenda 3 : Decision of Agenda 3:

Memberikan kuasa kepada Dewan Komisaris untuk: Authorize the Board of Commissioners to:
a. Menunjuk Kantor Akuntan Publik untuk melakukan a. Appoint a Public Accounting Firm to audit the
audit laporan keuangan perseroan Tahun Buku $PNQBOZT mOBODJBM TUBUFNFOUT GPS 'JTDBM :FBS
2014. 2014.
b. Menetapkan persyaratan lain serta besarnya jasa b. Determine other requirements as well as the
audit dengan memperhatikan kewajaran serta amount of audit services with regard to fairness
ruang lingkup pekerjaan audit. and scope of audit work.
Keputusan Agenda 4: Decision of Agenda 4:

Penyampaian Laporan Realisasi Penggunaan Dana Submission of the Report on the Usage of Proceeds
Hasil Penawaran Perdana Saham Perseroan Tahun from the Initial Public Offering of the Shares of the
2013. Bahwa per tanggal 31 Desember 2013, Company in 2013. As of December 31, 2013, the
Penggunaan Dana Hasil Penawaran Perdana Saham Proceeds from Initial Public Offering of Shares referred
dimaksud adalah sebagai berikut: to will be used as follows:
a. 80% dana hasil IPO yang dialokasikan untuk a. 80% of the proceeds of the IPO have been fully
ekspansi kredit termasuk sektor UMKM senilai allocated to the expansion of credit including
Rp 1.143.552.608.643,- (satu triliun seratus empat to the MSME sector with the amount of Rp
puluh tiga miliar lima ratus lima puluh dua juta 1,143,552,608,643 (one billion one hundred and
enam ratus delapan ribu enam ratus empat puluh GPSUZUISFFCJMMJPO mWFIVOESFEBOEmGUZUXPNJMMJPO
tiga rupiah) telah seluruhnya digunakan. six hundred and eight thousand six hundred and
b. 10% dana hasil IPO yang dialokasikan forty-three Rupiah).
untuk perluasan jaringan kantor senilai b. 10% of the proceeds has been fully allocated to
Rp 142.944.076.080,- (seratus empat puluh dua the expansion of branch network with the amount
miliar sembilan ratus empat puluh empat juta of Rp 142,944,076,080 (one hundred and forty-two
tujuh puluh enam ribu delapan puluh rupiah) telah billion nine hundred and forty-four million seventy-
seluruhnya digunakan. six thousand eighty Rupiah).
c. 10% dana hasil IPO yang dialokasikan untuk c. 10% of the proceeds will be allocated to the
pengembangan teknologi informasi senilai development of information technology with
Rp 142.944.076.080,- (seratus empat puluh dua the value of Rp 142,944,076,080 (one hundred
miliar sembilan ratus empat puluh empat juta and forty-two billion nine hundred and forty-four
tujuh puluh enam ribu delapan puluh rupiah) telah million seventy-six thousand eighty Rupiah) and
digunakan sebesar Rp 75.706.635.796,- (tujuh 3Q TFWFOUZ mWF CJMMJPO TFWFO
puluh lima miliar tujuh ratus enam juta enam ratus IVOESFE TJY NJMMJPO TJY IVOESFE BOE UIJSUZmWF
tiga puluh lima ribu tujuh ratus sembilan puluh thousand seven hundred and ninety-six Rupiah)
enam rupiah). has been fully allocated.
Maka sisa dana hasil penawaran umum perdana The remaining proceeds from the Initial Public Offering
sebesar Rp 67.237.440.284,- (enam puluh tujuh miliar namely Rp 67,237,440,284 (sixty seven billion two
dua ratus tiga puluh tujuh juta empat ratus empat hundred and thirty-seven million four hundred forty
puluh ribu dua ratus delapan puluh empat rupiah) thousand two hundred and eighty-four Rupiah) has not
belum digunakan dan direncanakan digunakan pada been used and is planned to be used in 2014.
tahun 2014.

Pendahuluan
Laporan Manajemen
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b. RUPS Luar Biasa Tahun 2014 b. Extraordinary General Meeting of Shareholders in 2014
Rapat Umum Pemegang Saham telah memenuhi korum 5IF (FOFSBM .FFUJOH PG 4IBSFIPMEFST IBT GVMmMMFE UIF
karena dihadiri oleh pemegang saham yang mewakili quorum as it was attended by shareholders representing
7.822.829.973 saham atau 80,6% dari seluruh saham 7,822,829,973 shares or 80.6% of the total shares with
dengan hak suara yang sah yang telah dikeluarkan oleh valid voting rights issued by the Company, in accordance
Perseroan, sesuai dengan Anggaran Dasar Perseroan to the Company’s Articles of Association and applicable
dan peraturan perundangan yang berlaku. legislations.
Keputusan RUPS Luar Biasa Decision of the Extraordinary General Meeting of

RUPS Luar Biasa tidak memberikan persetujuan usulan Shareholders
perubahan dan atau penyesuaian pasal Anggaran The Extraordinary General Meeting of Shareholders did
Dasar Perseroan, Direksi diminta untuk melakukan kajian not approve the proposed amendments and adjustments
kembali butir-butir perubahan dan atau penyesuaian yang to the Company’s Articles of Association, the Board of
diusulkan kepada RUPS Luar Biasa. Directors are required to conduct a review on the changes
or adjustments proposed to the Extraordinary General
Meeting of Shareholders.
Realisasi Atas Hasil RUPS Tahunan Tahun Buku 2013 Realization of the Results of the Annual General
dan Luar Biasa Tahun 2014 Meeting of Shareholders for Fiscal Year 2013 and the
Seluruh keputusan yang telah dihasilkan dan diamanatkan Extraordinary GMS in 2014
pada saat Rapat Umum Pemegang Saham telah All decisions resulted and mandated by the time of the
dilaksanakan oleh Perseroan. General Meeting of Shareholders have been executed by
the Company.
II. Rapat Umum Pemegang Saham Luar Biasa 2014 II. Extraordinary General Meeting of Shareholders in
Tanggal 1 Juli 2014 July 1, 2014
RUPS dilaksankan di Bandung pada tanggal 1 Juli The EGMS was conducted in Bandung on July 1, 2014
2014 yang diawali dengan Pemberitahuan rencana BOECFHBOXJUIUIFOPUJmDBUJPOPOUIFQMBOPG(.4UPUIF
penyelenggaraan RUPS kepada OJK dan Bursa Efek FSA and the Indonesia Stock Exchange with the following
a. Nomor 281/DIR-CS/2014 tanggal 23 Mei 2014 perihal a. No 281/DIR-CS/2014 dated May 23, 2014 concerning
pemberitahuan Rencana Penyelenggaraan RUPS Luar UIF /PUJmDBUJPO PO UIF 1MBO PG &YUSBPSEJOBSZ (FOFSBM
Biasa. Meeting of Shareholders.
b. Nomor 287/DIR-CS/2014 tanggal 30 Mei 2014 perihal b. No. 287/DIR-CS/2014 dated May 30, 2014 regarding
Penyampaian Bukti Iklan Pemberitahuan RUPS Luar the Submission of Advertisement Proof of the
Biasa. /PUJmDBUJPO PO UIF &YUSBPSEJOBSZ (FOFSBM .FFUJOH PG
c. Nomor 312/DIR-CS/2014 tanggal 16 Juni 2014 perihal Shareholders.
Penyampaian Bukti Iklan Panggilan RUPS Luar Biasa. c. No. 287/DIR-CS/2014 dated June 16, 2014 regarding
d. Nomor 361/DIR-CS/2014 tanggal 03 Juli 2014 perihal the Submission of the Advertisement Proof on the
Penyampaian Hasil Keputusan dan Bukti Iklan RUPS Invitation to the Extraordinary General Meeting of
Luar Biasa Tahun 2014. Shareholders.
e. Iklan pemberitahuan, panggilan dan hasil keputusan d. No. 361/DIR-CS/2014 2014 dated July 3, 2014
RUPS tersebut di publikasikan pada 3 (tiga) Harian concerning the Submission of the Decisions and the
Umum yaitu, Bisnis Indonesia, Pikiran Rakyat dan Proof of Advertisement of the Extraordinary General
Radar Banten. Meeting of Shareholders in 2014.
F "EWFSUJTNFOU PO UIF OPUJmDBUJPO JOWJUBUJPO BOE UIF
decision of the meeting was published in 3 (three)
Daily Newspapers, namely Bisnis Indonesia, Pikiran
Rakyat and Radar Banten.
Introduction
Management Report
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Corporate Data
435
Agenda RUPS Luar Biasa 2014 Tanggal 1 Juli 2014 Agenda of the Extraordinary General Meeting of
a. Perubahan Anggaran Dasar Perseroan Shareholders in July 1, 2014
b. Perubahan Pengurus Perseroan a. Amendments to the Articles of Association
b. Changes in the Company’s Management
Hasil RUPS Luar Biasa 2014 Tanggal 1 Juli 2014 Results of the Extraordinary General Meeting of
Rapat Umum Pemegang Saham telah memenuhi korum Shareholders in July 1, 2014
karena dihadiri oleh pemegang saham yang mewakili The Annual General Meeting of Shareholders has meet the
8.297.831.369 saham atau 85,58% dari seluruh saham quorum at it was attended by shareholders representing
dengan hak suara yang sah yang telah dikeluarkan oleh 8,297,831,369 shares or 85.58% of total shares with valid
Perseroan, sesuai dengan Anggaran Dasar Perseroan voting rights issued by the Company, in accordance with
dan peraturan perundangan yang berlaku. the Articles of Association and the applicable legislations.
Keputusan Agenda 1 Decisions of Agenda 1

Perubahan Anggaran Dasar Perseroan mendments to the Articles of Association
a. Menyetujui perubahan pasal-pasal Anggaran Dasar a. Approved the amendments to the Articles of
Perseroan sebagaimana usulan yang telah dibahas Association of the Company as discussed in the
dalam Rapat Umum Pemegang Saham serta General Meeting of Shareholders and restructure the
melakukan penyusunan kembali seluruh Anggaran Company’s Articles of Association with improvements
Dasar Perseroan dengan perbaikan atas penggunaan PWFS UIF VTF PG UFSNT EFmOJUJPOT HSBNNBS BOE
JTUJMBI EFmOJTJ UBUBCBIBTBZBOHCBJLTFSUBQFOPNPSBO numbering with regard to the applicable legislations.
dengan memperhatikan peraturan perundangan yang b. Authorized the Board of Commissioners with the
berlaku. substitution right to formulate the Deed on the
b. Memberikan kuasa kepada Dewan Komisaris Decisions of the meeting, and perform all necessary
Perseroan dengan hak substitusi untuk membuat actions in order to request validation, registration and/
akta pernyataan keputusan Rapat, dan melaksanakan or reporting as required by the applicable legislations
segala tindakan yang diperlukan dalam rangka on the changes and adjustments to the Articles of
permohonan pengesahan, pendaftaran dan/atau Association.
pelaporan sebagaimana yang disyaratkan dalam
peraturan perundangan yang berlaku atas perubahan
dan penyesuaian anggaran dasar tersebut.

Perubahan Pengurus Perseroan Changes in the Company’s Management
a. Memberhentikan dengan hormat Saudara Agus a. Dismissed with honor Mr Agus Ruswendi as
Ruswendi yang diangkat selaku Komisaris Utama Commissioner of the Company, Mr. Entis Kushendar
Perseroan, Saudara Entis Kushendar selaku Direktur as a Director of the Company, Mr Acu Kusnandar as
Perseroan, Saudara Acu Kusnandar yang diangkat a Director of the Company, Mr Bien Subiantoro as the
selaku Direktur Perseroan, Saudara Bien Subiantoro President Director of the Company, Mr Arie Yulianto as
selaku Direktur Utama Perseroan, Saudara Arie Yulianto a Director of the Company, and Mr Djamal Muslim as
selaku Direktur Perseroan, dan Saudara Djamal Muslim a Director of the Company, as of the issuance of the
yang diangkat selaku Direktur Perseroan, terhitung letter from Bank Indonesia or the Financial Services
sejak diterbitkannya surat dari Bank Indonesia atau Authority. To those concerned we express our deepest
Otoritas Jasa Keuangan. Kepada yang bersangkutan appreciation for their dedication to bank bjb.
dengan ini disampaikan ucapan terima kasih yang
sebesar-besarnya atas pengabdiannya kepada bank
bjb.

Pendahuluan
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b. Mengangkat Saudara Ahmad Irfan selaku Direktur b. Appointed Mr Ahmad Irfan as a Director of the Company
Perseroan terhitung sejak berlakunya perubahan starting from the application of the amendments to
Anggaran Dasar Perseroan yang telah disetujui dalam the Articles of Association of the Company which has
RUPS Luar Biasa ini. been approved in this Extraordinary General Meeting
of Shareholders.
Dengan demikian susunan Pengurus Perseroan menjadi Thus the composition of the Company’s Management
sebagai berikut: became:

Komisaris Independen : Achmad Baraba Independent Commissioner : Achmad Baraba
Komisaris Independen : Yayat Sutaryat Independent Commissioner : Yayat Sutaryat
Komisaris Independen : Klemi Subiyantoro Independent Commissioner : Klemi Subiyantoro
Komisaris Independen : Rudhyanto Mooduto Independent Commissioner : Rudhyanto Mooduto

Direktur Komersial : Ahmad Irfan Director – Commercial : Ahmad Irfan
Dan selanjutnya memberikan kewenangan kepada Authority was given to the existing Board of Directors of the
Anggota Direksi Perseroan yang ada untuk bertindak Company to act for and on behalf of the Board of Directors
untuk dan atas nama Direksi Perseroan sampai dengan until the closing of the next Extraordinary General Meeting
penutupan Rapat Umum Pemegang Saham Luar Biasa of Shareholders in order to meet the provisions of Article
berikutnya dalam rangka memenuhi ketentuan pasal 15 15 of the Company’s Articles of Association and applicable
Anggaran Dasar Perseroan dan peraturan perundangan legislations.
yang berlaku.
c. Memerintahkan Direksi untuk melaksanakan Rapat c. Ordered the Board of Directors to perform an
Umum Pemegang Saham Luar Biasa selambat- Extraordinary General Meeting of Shareholders at the
lambatnya pada Bulan Nopember 2014 dengan latest in November 2014 with the Agenda: the Changes
Agenda Perubahan Pengurus Perseroan. of the Company’s Management.
Realisasi atas Hasil RUPS Luar Biasa Tahun 2014 Realization of the results of Extraordinary General
Tanggal 1 Juli 2014 Meeting of Shareholders in July 1, 2014
Seluruh keputusan yang telah dihasilkan dan diamanatkan All decisions that have been produced and mandated
pada saat Rapat Umum Pemegang Saham telah at the time of the General Meeting of Shareholders have
dilaksanakan oleh Perseroan. been executed by the Company.
III. Rapat Umum Pemegang Saham Luar Biasa 2014 III. Extraordinary General Meeting of Shareholders in
tanggal 19 Desember 2014 December 19, 2014
RUPS dilaksankan di Bandung pada tanggal 19 Desember The GMS was held in Bandung in December 19, 2014
2014 yang diawali dengan Pemberitahuan rencana BOECFHBOXJUIUIFOPUJmDBUJPOPOUIFQMBOPG(.4UPUIF
penyelenggaraan RUPS kepada OJK dengan langkah- FSA and the Indonesia Stock Exchange with the following
langkah sebagai berikut: steps:

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
437
a. Nomor 545/DIR-CS/2014 tanggal 20 Oktober 2014 a. No 545/DIR-CS/2014 dated October 20, 2014
perihal pemberitahuan Rencana Penyelenggaraan DPODFSOJOHUIF/PUJmDBUJPOPOUIF1MBOPG&YUSBPSEJOBSZ
RUPS Luar Biasa. General Meeting of Shareholders.
b. Nomor 562/DIR-CS/2014 tanggal 27 Oktober 2014 b. No. 562/DIR-CS/2014 dated October 27, 2014
perihal Penyampaian Bukti Iklan Pemberitahuan RUPS regarding the Submission of Advertisement Proof of
Luar Biasa. UIF/PUJmDBUJPOPOUIF&YUSBPSEJOBSZ(FOFSBM.FFUJOH
c. Nomor 606/DIR-CS/2014 tanggal 3 Desember 2014 of Shareholders.
perihal Penyampaian Bukti Iklan Panggilan RUPS Luar c. No. 606/DIR-CS/2014 dated December 3, 2014
Biasa. regarding the Submission of the Advertisement Proof
d. Nomor 650/DIR-CS/2014 tanggal 22 Desember 2014 on the Invitation to the Extraordinary General Meeting
perihal Penyampaian Hasil Keputusan dan Bukti Iklan of Shareholders.
RUPS Luar Biasa Tahun 2014. d. No. 650/DIR-CS/2014 dated December 22, 2014
e. Iklan pemberitahuan, panggilan dan hasil keputusan concerning the Submission of the Decisions and the
RUPS tersebut di publikasikan pada 3 (tiga) Harian Proof of Advertisement of the Extraordinary General
Umum yaitu, Bisnis Indonesia, Tribun Jabar dan Radar Meeting of Shareholders in 2014.
Banten. F "EWFSUJTNFOU PO UIF OPUJmDBUJPO JOWJUBUJPO BOE UIF
decision of the meeting was published in 3 (three)
Daily Newspapers, namely Bisnis Indonesia, Pikiran
Rakyat and Radar Banten.
Agenda RUPS Luar Biasa 2014 Tanggal 19 Desember Agenda of the Extraordinary General Meeting of
2014 Shareholders in December 19, 2014
1. Perubahan Anggaran Dasar Perseroan 1. Amendments to the Articles of Association
2. Perubahan Pengurus Perseroan 2. Changes in the Company’s Management
Hasil RUPS Luar Biasa 2014 Tanggal 19 Desember Results of the Extraordinary General Meeting of
2014 Shareholders in December 19, 2014
Rapat Umum Pemegang Saham telah memenuhi korum The Annual General Meeting of Shareholders has meet the
karena dihadiri oleh pemegang saham yang mewakili quorum at it was attended by shareholders representing
8.223.746.602 saham atau 84,81 % dari seluruh saham 8,223,746,602 shares or 84.81% of total shares with valid
dengan hak suara yang sah yang telah dikeluarkan oleh voting rights issued by the Company, in accordance with
Perseroan, sesuai dengan Anggaran Dasar Perseroan the Articles of Association and the applicable legislations.
dan peraturan perundangan yang berlaku.

a. Menyetujui perubahan Pasal 15 ayat (3) huruf a angka a. Approved the amendment of Article 15 paragraph (3)
11 dan 13 Anggaran Dasar Perseroan. letter a number 11 and 13 of the Company’s Articles of
b. Memberikan kuasa kepada Dewan Komisaris Association.
Perseroan dengan hak substitusi untuk membuat b. Authorized the Board of Commissioners with the right
akta pernyataan keputusan Rapat, dan melaksanakan of substitution to formulate the Deed of the results of
segala tindakan yang diperlukan dalam rangka the Meeting, and perform all necessary actions in order
permohonan pengesahan, pendaftaran, dan/atau UP SFRVFTU SBUJmDBUJPO SFHJTUSBUJPO BOE PS SFQPSUJOH
pelaporan sebagaimana yang disyaratkan dalam as required by the applicable Laws on changes and
Peraturan Perundangan yang berlaku atas perubahan adjustments to the Articles of Association.
dan penyesuaian anggaran dasar tersebut.

Pendahuluan
Laporan Manajemen
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B .FOHBOHLBU 4BVEBSB 5BVmFRVSBDINBO 3VLJ TFMBLV B "QQPJOUFE .S 5BVmFRVSBDINBO 3VLJ BT UIF
Komisaris Utama dan Saudara Wawan Ridwan selaku President Commissioner and Mr Wawan Ridwan as
Komisaris; Commissioner;
b. Mengangkat Saudara Ahmad Irfan selaku Direktur b. Appointed Mr Ahmad Irfan as the President Director;
Utama; c. Appointed Mr Agus Gunawan, Mr Benny Santoso, Mss
c. Mengangkat Saudara Agus Gunawan, Saudara Benny Fermiyanti, Mrs Nia Kania, and Mrs Suartini as Directors
Santoso, Saudari Fermiyanti, Saudari Nia Kania, dan since the closing of this Meeting until the closing of
Saudari Suartini selaku Direktur; the 4th Annual General Meeting of Shareholders the 4
Terhitung sejak tanggal ditutupnya Rapat ini sampai (four) after the date of appointment.
dengan penutupan RUPS Tahunan yang ke-4 (empat) d. Gave authority and power to the President Director
setelah tanggal pengangkatannya. to establish the division tasks of the Directors and
d. Memberikan wewenang dan kuasa kepada Direktur report the results of the decision to the Board of
Utama untuk menetapkan pembagian bidang kerja Commissioners.
Direksi dengan melaporkan hasil keputusan tersebut
kepada Dewan Komisaris.
Realisasi atas Hasil RUPS Luar Biasa Tahun 2014 Realization of the results of Extraordinary General
tanggal 19 Desember 2014 Meeting of Shareholders in December 19, 2014
Seluruh keputusan yang telah dihasilkan dan diamanatkan All decisions produced and mandated at the time of the
pada saat Rapat Umum Pemegang Saham telah General Meeting of Shareholders have been executed by
dilaksanakan oleh Perseroan. the Company.
Rapat Umum Pemegang Saham Tahun The General Meeting of Shareholders in the
Sebelumnya Previous Year
1. Rapat Umum Pemegang Saham Tahunan Tahun 1. General Meeting of Shareholders for the Fiscal Year
Buku 2012 2012
RUPS dilaksankan di Bandung pada tanggal 25 Maret The GMS was held in Bandung in March 25, 2013 and
2013 yang diawali dengan Pemberitahuan rencana CFHBOXJUIUIFOPUJmDBUJPOPOUIFQMBOPG(.4UPUIF'4"
penyelenggaraan RUPS kepada OJK dan Bursa Efek and the Indonesia Stock Exchange with the following
a. Nomor 061/DIR-CS/2013 tanggal 14 Februari 2013 a. No. 061/DIR-CS/2013 dated February 14, 2013
perihal pemberitahuan Rencana Penyelenggaraan DPODFSOJOH UIF /PUJmDBUJPO PO UIF 1MBO PG (FOFSBM
Rapat Umum Pemegang Saham. Meeting of Shareholders.
b. Nomor 068/DIR-CS/2013 tanggal 21 Februari 2013 b. No. 068/DIR-CS/2013 dated February 21, 2013
perihal Penyampaian Bukti Iklan Pemberitahuan regarding the Submission of Advertisement Proof of the
RUPS. /PUJmDBUJPOPOUIF(FOFSBM.FFUJOHPG4IBSFIPMEFST
c. Nomor 070/DIR-CS/2013 tanggal 08 Maret 2013 c. No. 070/DIR-CS/2013 dated March 8, 2013 regarding
perihal Penyampaian Bukti Iklan Panggilan RUPS. the Submission of the Advertisement Proof on the
d. Nomor 143/DIR-CS/2013 tanggal 26 Maret 2013 Invitation to the General Meeting of Shareholders.
perihal Penyampaian Hasil Keputusan RUPS Tahunan d. No. 143/DIR-CS/2013 dated March 26, 2013
dan Pembagian Dividen Tunai Tahun Buku 2012. concerning the Submission of the Decisions of the
Annual General Meeting of Shareholders in 2013 and
the distribution of the 2012 cash devidends.

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
439
e. Iklan pemberitahuan, panggilan dan hasil keputusan F "EWFSUJTNFOU PO UIF OPUJmDBUJPO JOWJUBUJPO BOE UIF
RUPS tersebut di publikasikan pada 3 (tiga) Harian decision of the meeting was published in 3 (three)
Umum yaitu, Bisnis Indonesia, Pikiran Rakyat dan Daily Newspapers, namely Bisnis Indonesia, Pikiran
Radar Banten. Rakyat and Radar Banten.
Agenda RUPS Tahunan Tahun Buku 2012 The Agenda for the Annual General Meeting for Fiscal
a. Persetujuan Laporan Tahunan Direksi mengenai Year 2012
keadaan dan jalannya Perseroan termasuk Laporan a. Approved the Annual Report of the Board of Directors
Pelaksanaan Tugas Pengawasan Dewan Komisaris on the situation and the course of the Company,
untuk Tahun Buku 2012 dan pengesahan Laporan including the Report on the implementation of the
Keuangan Perseroan Tahun Buku 2012 sekaligus Supervisory Function of the Board of Commissioners
pembebasan tanggung jawab sepenuhnya kepada for Fiscal Year 2012 and the Financial Statements for
Direksi dan Dewan Komisaris atas tindakan the Fiscal Year 2012 as well fully released the Board of
pengurusan dan pengawasan yang telah dijalankan Directors and Board of Commissioners for the actions
selama Tahun Buku 2012. of management and supervision implemented in the
b. Penetapan penggunaan laba bersih termasuk Fiscal Year 2012.
pembagian dividen untuk Tahun Buku 2012. b. Determination of the usage of net income including the
c. Pemberian kuasa kepada Dewan Komisaris dalam hal distribution of dividend for the Fiscal Year 2012.
penunjukan Kantor Akuntan Publik untuk mengaudit c. The delegation of authority to the Board of
Laporan Keuangan Perseroan Untuk Tahun Buku Commissioners in the appointment of Public
2013. "DDPVOUJOH 'JSN UP BVEJU UIF mOBODJBM TUBUFNFOUT PG
d. Laporan penggunaan dana hasil penawaran umum the Company for the Financial Year 2013.
perdana saham Perseroan pada tahun 2012. d. Reported the use of proceeds from the Company’s
Initial Public Offering in 2012.
Hasil RUPS Tahunan Tahun Buku 2012 Results for the Annual General Meeting of Shareholders
Rapat Umum Pemegang Saham Telah memenuhi korum in the Fiscal Year 2012
karena dihadiri oleh pemegang saham yang mewakili The Annual General Meeting of Shareholders has meet the
8.106.874.375 saham atau 83,61% dari seluruh saham quorum at it was attended by shareholders representing
dengan hak suara yang sah yang telah dikeluarkan oleh 8,106,874,375 shares or 83.61% of total shares with valid
Perseroan, sesuai dengan Anggaran Dasar Perseroan. voting rights issued by the Company, in accordance with
the Articles of Association and the applicable legislations.
1. Menyetujui Laporan Tahunan Perseroan dan menyetujui 1. Approved the Company’s Annual Report and approved
Laporan Pengawasan yang telah dilaksanakan oleh the Report on the supervision performed by the Board
Dewan Komisaris untuk Tahun Buku 2012. of Commissioners for the Fiscal Year 2012.
a. Mengesahkan Laporan Keuangan Perseroan B 3BUJmFE UIF $PNQBOZT 'JOBODJBM 4UBUFNFOUT GPS
untuk tahun buku yang berakhir pada tanggal 31 UIF mOBODJBM ZFBS FOEJOH %FDFNCFS
Desember 2012 yang telah diaudit oleh Kantor audited by the Public Accountant Purwantono,
Akuntan Publik Purwantono, Suherman & Surja, Suherman & Surja, a member of Ernst & Young
anggota dari Ernst & Young Global sesuai dengan Global in accordance with the Report No. RPC
laporannya No. RPC 3301/PSS/2013 tanggal 3301/PSS/2013 dated March 4, 2013, with the
4 Maret 2013, dengan pendapat wajar dalam reasonable opinion in all material respects
semua hal yang material sesuai dengan Standar in accordance with the Financial Accounting
Akuntansi Keuangan di Indonesia. Standards in Indonesia.
b. Selanjutnya dengan disetujuinya Laporan b. Furthermore, with the approval of the Annual Report
Tahunan dan disahkannya Laporan Keuangan BOEUIFSBUJmDBUJPOPGUIF$PNQBOZT$POTPMJEBUFE
Perseroan Konsolidasian untuk tahun buku 2012 'JOBODJBM 4UBUFNFOUT GPS UIF mOBODJBM ZFBS

Pendahuluan
Laporan Manajemen
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tersebut, maka RUPS memberikan pelunasan dan the GMS provides full release and discharge
pembebasan sepenuhnya dari tanggung jawab of responsibilities (acquit et de charge) to all
(acquit et de charge) kepada seluruh anggota members of the Board of Directors for the actions
Direksi atas tindakan pengurusan dan kepada of management and to all members of the Board
seluruh anggota Dewan Komisaris atas tindakan of Commissioners for the supervisory measures
pengawasan yang telah dijalankan selama tahun FYFDVUFEEVSJOHUIFmTDBMZFBSFOEJOH%FDFNCFS
buku yang berakhir pada tanggal 31 Desember BTGBSBTUIFBDUJPOTBSFSFnFDUFEJOUIF
2012 sejauh tindakan tersebut tercermin dalam Company’s Financial Statements.
Laporan Keuangan Perseroan.
2. Menetapkan Laba Bersih Konsolidasi Perseroan 2. Established the Consolidated Net Income for the
untuk Tahun Buku 2012 tercatat sebesar year 2012 as Rp 1,193,302,737,932 (one billion one
Rp 1.193.302.737.932,- (satu triliun seratus sembilan hundred and ninety-three billion three hundred two
puluh tiga miliar tiga ratus dua juta tujuh ratus tiga million seven hundred and thirty-seven thousand nine
puluh tujuh ribu sembilan ratus tiga puluh dua rupiah) hundred and thirty-two Rupiah). In accordance with
berdasarkan PSAK 4 maka laba yang dijadikan basis 4'"4 UIF QSPmU VTFE BT UIF CBTJT GPS DBMDVMBUJOH
perhitungan laba adalah laba Perseroan tanpa anak QSPmU JT UIF QSPmU XJUIPVU UIF QSPmU PG UIF $PNQBOZT
perusahaan sebesar Rp 1.185.435.844.583,- dan subsidiary entities, namely Rp 1,185,435,844,583 and
ditetapkan yaitu sebagai berikut: are set as follows:
a. Sebesar Rp 663.844.072.966,- (enam ratus enam a. As much as Rp 663,844,072,966 (six hundred
puluh tiga miliar delapan ratus empat puluh and sixty-three billion, eight hundred and forty-
empat juta tujuh puluh dua ribu Sembilan ratus four million seventy-two thousand nine hundred
enam puluh enam rupiah) atau 56% (lima puluh BOE TJYUZTJY 3VQJBI
PS mGUZTJY QFSDFOU

enam persen) dari laba bersih tahun buku 2012 PG UIF OFU QSPmU PG UIF mTDBM ZFBS XJMM CF
ditetapkan sebagai dividen tunai Tahun Buku EFTJHOBUFEBTDBTIEJWJEFOEGPSUIFmOBODJBMZFBS
2012 dan dibagikan kepada seluruh pemegang 2012 and distributed to all registered shareholders
saham yang tercatat sesuai dengan ketentuan in accordance with the applicable regulations.
yang berlaku. Selanjutnya memberikan kuasa Furthermore, give the power and authority to the
dan wewenang kepada Direksi untuk mengatur Board of Directors to regulate the procedures for
tatacara pembayaran dividen tunai tersebut. payment of cash dividends.
b. Sisanya sebesar Rp 521.591.771.617,- (lima C 5IF SFNBJOJOH 3Q mWF IVOESFE
ratus dua puluh satu miliar lima ratus Sembilan BOEUXFOUZPOFCJMMJPOmWFIVOESFEBOEOJOFUZPOF
puluh satu juta tujuh ratus tujuh puluh satu ribu million seven hundred and seventy-one thousand
enam ratus tujuh belas rupiah) atau sebesar 44% six hundred and seventeen Rupiah) or 44%
(empat puluh empat persen) ditetapkan sebagai (forty-four percent) will be allocated as General
Cadangan Umum. Reserves.
3. Memberikan kuasa kepada Dewan Komisaris untuk: 3. Authorize the Board of Commissioners to:
a. Menunjuk Kantor Akuntan Publik untuk melakukan a. Appoint a Public Accounting Firm to audit the
audit laporan keuangan perseroan tahun buku $PNQBOZT mOBODJBM TUBUFNFOUT GPS 'JTDBM :FBS
2013. 2013.
b. Menetapkan persyaratan lain serta besarnya jasa b. Determine other requirements as well as the
audit dengan memperhatikan kewajaran serta amount of audit services with regard to fairness
ruang lingkup pekerjaan audit. and scope of audit work.
4. Penyampaian Laporan Realisasi Penggunaan Dana 4. Submission of the Report on the Usage of Proceeds
Hasil Penawaran Perdana Saham Perseroan Tahun from the Initial Public Offering of the Shares of the
2012. Bahwa per tanggal 31 Desember 2012, Company in 2012. As of December 31, 2012, the
Penggunaan Dana Hasil Penawaran Perdana Saham Proceeds from Initial Public Offering of Shares referred
dimaksud adalah sebagai berikut: to will be used as follows:

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
441
a. 80% dana hasil IPO yang dialokasikan a. 80% of the proceeds of the IPO have been fully
untuk ekspansi kredit UMKM senilai allocated to the expansion of credit including
Rp 1.143.552.608.643,- (satu triliun seratus empat to the MSME sector with the amount of Rp
puluh tiga miliar lima ratus lima puluh dua juta 1,143,552,608,643 (one billion one hundred and
enam ratus delapan ribu enam ratus empat puluh GPSUZUISFFCJMMJPO mWFIVOESFEBOEmGUZUXPNJMMJPO
tiga rupiah) telah seluruhnya digunakan. six hundred and eight thousand six hundred and
b. 10% dana hasil IPO yang dialokasikan forty-three Rupiah).
untuk perluasan jaringan kantor senilai b. 10% of the proceeds will be allocated for the
Rp 142.944.076.080,- (seratus empat puluh dua expansion of branch network with the amount of
miliar sembilan ratus empat puluh empat juta Rp 142,944,076,080 (one hundred and forty-two
tujuh puluh enam ribu delapan puluh rupiah) telah billion nine hundred and forty-four million seventy-
digunakan sebesar Rp 140.437.179.582,- (seratus six thousand eighty Rupiah) and as much as Rp
empat puluh miliar empat ratus tiga puluh tujuh 140,437,179,582 (one hundred and forty billion,
juta seratus tujuh puluh sembilan ribu lima ratus four hundred and thirty seven million one hundred
delapan dua rupiah). BOETFWFOUZOJOFUIPVTBOEmWFIVOESFEFJHIUZUXP
c. 10% dana hasil IPO yang dialokasikan untuk Rupiah) has been used.
pengembangan teknologi informasi senilai c. 10% of the proceeds will be allocated to the
Rp 142.944.076.080,- (seratus empat puluh dua development of information technology with
miliar sembilan ratus empat puluh empat juta the value of Rp 142,944,076,080 (one hundred
tujuh puluh enam ribu delapan puluh rupiah) and forty-two billion nine hundred and forty-four
telah digunakan sebesar Rp 12.992.091.983,- million seventy-six thousand eighty Rupiah) and
(dua belas miliar sembilan ratus sembilan puluh Rp 12,992,091,983 (twelve billion nine hundred
dua juta sembilan puluh satu ribu sembilan ratus and ninety-two million ninety-one thousand nine
delapan puluh tiga rupiah). hundred and eighty-three Rupiah) has been fully
allocated.
Maka sisa dana hasil penawaran umum perdana The remaining proceeds from the Initial Public Offering
sebesar Rp 132.458.880.595,- (seratus tiga puluh dua namely Rp 132,458,880,595 (one hundred and thirty-
miliar empat ratus lima puluh delapan juta delapan UXP CJMMJPO GPVS IVOESFE BOE mGUZFJHIU NJMMJPO FJHIU
ratus delapan puluh ribu lima ratus Sembilan puluh IVOESFEFJHIUZUIPVTBOEmWFIVOESFEBOEOJOFUZmWF
lima rupiah) belum digunakan dan saat ini ditempatkan Rupiah) has not been used and is now placed on the
pada instrumen reverse repo Bank Indonesia dengan reverse repo instrument of Bank Indonesia with a yield
tingkat imbal hasil sebesar 4,48% (empat koma empat of 4.48% (four point forty-eight percent) per year).
puluh delapan persen) pertahun.
Realisasi atas Hasil RUPS Tahunan Tahun Buku Realization of the results of the Annual General
2012 tanggal 25 Maret 2013 Meeting of Shareholders in March 25, 2013
Seluruh keputusan yang telah dihasilkan dan All decisions produced and mandated at the time
diamanatkan pada saat Rapat Umum Pemegang of the General Meeting of Shareholders have been
Saham telah dilaksanakan oleh Perseroan. executed by the Company.

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
DEWAN KOMISARIS
BOARD OF COMMISSIONERS
Dewan Komisaris sebagai organ Bank secara garis besar Board of Commissioners as part of the Bank in broad outline
bertugas dan bertanggung jawab secara kolegial untuk serves and responsible for collegial overseeing the Bank’s
mengawasi jalannya usaha Bank. Memberikan nasihat kepada business. Provide advice to the Board of Directors and ensure
Direksi dan memastikan bahwa Bank telah menerapkan that the Bank has implemented Good Corporate Governance
Good Corporate Governance dalam operasinya pada in its operations at all levels of the organization. Board of
seluruh jenjang organisasi. Dewan Komisaris bertanggung Commissioners is responsible for ensuring that management
jawab untuk memastikan bahwa manajemen telah memiliki has had and implement a control system so as to improve
dan melaksanakan suatu sistem kontrol sehingga dapat UIFFGGFDUJWFOFTTBOEFGmDJFODZPG#BOLPQFSBUJPOT mOBODJBM
NFOJOHLBULBO FGFLUJWJUBT EBO FmTJFOTJ PQFSBTJPOBM #BOL controls, compliance with laws and regulations.
kontrol keuangan, kepatuhan pada hukum dan peraturan.
Visi Vision
Menjadikan Dewan Komisaris sebagai organ Bank yang Establishing the Bank’s Board of Commissioners as a
kompeten, profesional, independen serta sanggup competent, professional, independent organ that is able to
mengawasi dan memberikan nasihat atas jalannya usaha supervise and provide advices on the course of the Bank’s
Bank agar sesuai dengan visi Bank dengan dilandasi oleh business to comply with the Bank’s vision based on high moral
nilai moral yang tinggi dan kepatuhan terhadap peraturan dan values and comply with the regulations and legislations in
perundang-undangan yang berlaku. force.
Misi Mission
a. Menjalankan fungsi pengawasan atas operasional a. Conduct the supervision function over the Bank’s
Bank dengan berlandaskan pada prinsip-prinsip Good operations based on the principles of good corporate
Corporate Governance, peraturan dan perundang- governance, the regulations and legislations in force,
undangan yang berlaku, mencurahkan daya dan upaya outpour resources and efforts and prioritize the interests of
serta menempatkan kepentingan Bank di atas kepentingan the Bank over other interests.
lainnya. b. Provide advice and consent on matters that according
b. Memberikan nasihat dan persetujuan atas hal-hal to the applicable legislations require the approval of the
yang menurut peraturan perundangan yang berlaku Board of Commissioners
mengharuskan persetujuan Dewan Komisaris c. Ensure follow-up on the results of the audit by both internal
c. Memastikan tindak lanjut atas hasil-hasil audit baik oleh and external auditors in order to improve the Bank’s
audit internal maupun eksternal dalam rangka perbaikan operations related to the adequacy of internal control and
operasional Bank terkait dengan kecukupan internal risk management.
control dan risk management.
Komposisi Dewan Komisaris %RDUGRI&RPPLVVLRQHUV·&RPSRVLWLRQ

Berdasarkan Akta Pernyataan Keputusan Rapat Umum Based on the Deed of Extraordinary General Shareholders
Pemegang Saham Luar Biasa (RUPSLB) No. 221 pada 19 (EGM) No. 221 on December 19, 2014, the Board of
Desember 2014, susunan Dewan Komisaris bank bjb terdiri Commissioners of bank bjb for the period of 2011 to 2015
dari 1 (satu) orang Komisaris Utama, 2 (dua) orang Komisaris, consisting of 1 (one) President Commissioner, 2 (two)
dan 4 (empat) orang Komisaris Independen. Jumlah Komisaris Commissioner and 4 (four) Independent Commissioner. The
Independen telah melebihi 50% dari jumlah anggota Dewan number of Independent Commissioner has exceeded 50% of
Komisaris. the total members of the Board of Commissioners.
Keberagaman Dewan Komisaris Diversity of the Board of Commissioners

Landasan pelaksanaan mengenai keragaman latar belakang The basis of implementation for the diverse background of
Dewan Komisaris di lingkungan bank bjb sejalan dengan the members of the Board of Commissioners of bank bjb is in
praktik bisnis terbaik yang berlaku di dunia internasional di line with best business practices prevailing in the international

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
443
bidang tata kelola perusahaan yang baik (GCG). Terkait DPNNVOJUZJOUIFmFMEPGHPPEDPSQPSBUFHPWFSOBODF ($(

keragaman ini, di antaranya termuat dalam ketentuan ASEAN Related to this diversity, among others contained in the
Corporate Governance Scorecard, yang merupakan tindak provisions of the ASEAN Corporate Governance Scorecard,
lanjut dari kesepakatan lima Menteri Keuangan ASEAN pada XIJDIJTBGPMMPXVQPGUIFBHSFFNFOUPGmWF'JOBODF.JOJTUFST
tahun 2009 tentang penerapan GCG. of ASEAN in 2009 on the application of GCG.
Dengan keragaman pada Dewan Komisaris, setidaknya Bank With the diversity of the members of the Board of
dapat memperoleh sejumlah manfaat yang antara lain: Commissioners, at least the Bank may gain a number of
a. Terciptanya pengambilan keputusan yang lebih objektif, CFOFmUT BNPOHPUIFST
karena keputusan diambil dengan memperhatikan a. The creation of a more objective decision-making, since
berbagai sudut pandang, kepentingan dan latar belakang. decisions are made by taking into account a variety of
b. Terselenggaranya fungsi pengawasan dan nasihat Dewan viewpoints, interests and backgrounds.
Komisaris yang lebih komprehensif bagi Direksi dalam b. More comprehensive supervision function and advices
menjalankan kegiatan usaha. from the Board of Commissioners for the Board of Directors
in conducting the Bank’s business activities.
Di lingkungan bank bjb, keragaman Dewan Komisaris dapat Within bank bjb, the diversity of the Board of Commissioners
dilihat pada: can be seen in:
1. Bidang Studi 1. The Field of Study
Keragaman dari sisi latar belakang pendidikan atau bidang 5IF EJWFSTJUZ PG UIF FEVDBUJPOBM CBDLHSPVOE PS mFME PG
studi akan sangat berharga bagi Dewan Komisaris dalam study will be valuable for the Board of Commissioners in
memberikan arahan kepada Direksi. Saat ini, keragaman providing directions to the Board of Directors. Currently,
Dewan Komisaris di bidang pendidikan, adalah sebagai UIFEJWFSTJUZPGUIF#PBSEPG$PNNJTTJPOFSTJOUIFmFMEPG
berikut: bidang hukum, ekonomi dan akuntansi, serta education are as follows: law, economics and accounting,
teknik. and engineering.
Keragaman pada bidang studi ini dapat menjadikan 5IF EJWFSTJUZ JO UIF mFME PG TUVEZ FOBCMFT UIF EJSFDUJPOT
arahan dan nasihat Dewan Komisaris yang diberikan and advices of the Board of Commissioners to the Board
kepada Direksi lebih komprehensif. Sehingga, melalui of Directors to be more comprehensive. Thus, through the
arahan Dewan Komisaris, kegiatan usaha bank bjb directions of the Board of Commissioners, the business
senantiasa sejalan dengan tata kelola perusahaan yang of bank bjb may always be in line with the corporate
sesuai dengan aturan hukum yang berlaku, mampu governance in accordance to the applicable laws, able
beradaptasi dengan perkembangan perekonomian yang to adapt to the ongoing economic developments, and be
terjadi, serta mampu menjaga kesinambungan mutu able to maintain continuity of product quality.
produk. 2. Age
2. Usia The diversity of age of the members of the Board of
Keragaman usia anggota Dewan Komisaris berada di Commissioners is in the range of 60s, 50s and 40s. This
kisaran 60-an, 50-an dan 40-an. Hal ini akan menjadikan enables the advices and directions given by the Board
nasihat-nasihat dan arahan yang diberikan Dewan of Commissioners to be more measured considering the
Komisaris lebih terukur mengingat usia merupakan age is a sign of maturity in experience, which will be very
pertanda kematangan dalam pengalaman, yang akan CFOFmDJBMUPUIF#PBSEPG%JSFDUPSTJOSVOOJOHUIFCVTJOFTT
sangat bermanfaat bagi Direksi dalam menjalankan of the Bank.
kegiatan usaha Bank. 3. Work Experience
3. Pengalaman Kerja The diversity of the work experience of the members
Keragaman pengalaman kerja anggota Dewan Komisaris, PG UIF #PBSE PG $PNNJTTJPOFST OBNFMZ JO UIF mFME PG
yaitu berasal dari penegak hukum, birokrasi, dosen, law enforcement, bureaucracy, lecturers, auditors and
auditor dan profesional. Keragaman latar belakang professionals. The diversity of work experience will
pengalaman kerja terutama akan sangat mendukung primarily support the Board of Commissioners in carrying

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
DEWAN KOMISARIS
Dewan Komisaris dalam menjalankan fungsi pengawasan out the function of supervision and the provision of advices
dan pemberian nasihat kepada Direksi dalam menjalankan to the Board of Directors in running the bank’s business,
usaha, di antaranya terkait dengan penerapan tata kelola among others related to the implementation of good
perusahaan yang baik. corporate governance.
Susunan Dewan Komisaris bank bjb sampai dengan sekarang Board of Commissioners of bank bjb up to present are as
adalah sebagai berikut: follows:
Jabatan Nama | Name Position
Komisaris Utama 5BVmFRVSBDINBO3VLJ President Commissioner
Komisaris Muhadi Commissioner
Komisaris 8BXBO3JEXBO Commissioner
Komisaris Independen Achmad Baraba Independent Commissioner
Komisaris Independen Klemi Subiyantoro Independent Commissioner
Komisaris Independen Yayat Sutaryat Independent Commissioner
Komisaris Independen Rudhyanto Mooduto Independent Commissioner
.FOKBCBUTFCBHBJ%FXBO,PNJTBSJT1FSTFSPBOTFKBLUBOHHBM%FTFNCFSTFTVBJ"LUB,FQVUVTBO3614-#OPNPS
4FSWFEBTUIF#PBSEPG$PNNJTTJPOFSTPGUIF$PNQBOZTJODFUIFEBUFPG%FDFNCFS JOBDDPSEBODF%FFE&(.4OVNCFS
Uraian Pelaksanaan Tugas Dewan Komisaris %RDUGRI&RPPLVVLRQHUV·7DVN,PSOHPHQWDWLRQ

Pelaksanaan tugas dan fungsi pengawasan usaha yang Performance of duties and monitoring functions done by the
dilakukan oleh Dewan Komisaris selama tahun 2014 Board of Commissioners during the year 2014 is assisted
dibantu oleh Komite Audit, Komite Pemantau Risiko, serta by the Audit Committee, Risk Monitoring Committee, and
Komite Remunerasi dan Nominasi. Masing-masing Komite Remuneration and Nomination Committee. Each of these
telah menjalankan fungsinya dalam melakukan kajian dan committees has its function in reviewing and providing
memberikan input kepada Dewan Komisaris, sehingga input to the Board of Commissioners, enabling the Board
Dewan Komisaris dapat memberikan arahan dan rekomendasi of Commissioners to provide appropriate guidance and
secara tepat kepada Direksi terkait pengelolaan usaha bank recommendations to the Directors related to the proper
bjb secara baik dan sesuai dengan prinsip-prinsip Good management of bank bjb and in accordance with the
Corporate Governance. principles of Good Corporate Governance.
Pada tahun 2014 Dewan Komisaris telah melakukan In 2014, the Board of Commissioners has conducted the
pengawasan terhadap: monitoring of:
- Pemantauan atas pelaksanaan Rencana Bisnis Bank - Monitor the implementation of 2013 Bank Business
(RBB) tahun 2014 melalui rapat bulanan Dewan Komisaris Plan (BBP) through a joint meeting of the Board of
dan Direksi. Commissioners and the Board of Directors.
- Pemantauan Kinerja Keuangan bank bjb. - Monitor bank bjb Financial Performance.
- Pemantauan Kinerja Non Keuangan bank bjb. - Monitor bank bjb Non-bank Financial Performance.
- Pemantauan perkembangan Good Corporate Governance - Monitor the development of Good Corporate Governance
bank bjb. in bank bjb.
Uraian Tanggung Jawab Dewan Komisaris Duties and Responsibilities of the Board of
Commissioners
Tugas dan Tanggung Jawab Dewan Komisaris Berdasarkan Duties and Responsibilities of the Board of Commissioners
Anggaran Dasar Perseroan dan Surat Keputusan Dewan %DVHG RQ WKH &RPSDQ\·V $UWLFOHV RI $VVRFLDWLRQ RI WKH
Komisaris No. 06/DK/SK/2014 Decree of the Board of Commissioners No. 06/DK/SK/2014

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
445
1. Melakukan pengawasan, memberi nasihat, mengarahkan, 1. Supervise, advise, direct, monitor and evaluate the course
memantau dan mengevaluasi jalannya kepengurusan of management of the Bank and the implementation of
Bank dan pelaksanaan kebijakan strategis Bank oleh strategic policies by the Bank’s Board of Directors.
Direksi. 2. Perform duties, responsibilities and authorities in
2. Melakukan tugas, tanggung jawab dan wewenang sesuai accordance with the provisions of the Company’s
dengan ketentuan Anggaran Dasar Perseroan, Keputusan Articles of Association, the Decisions of the GMS and the
RUPS serta Peraturan Perundang-undangan yang berlaku, Legislations in force, including:
diantaranya: a. Develop and conduct periodic evaluation of the Board
a. Menyusun dan melakukan evaluasi berkala atas of Commissioners’ work guidelines and rules binding
Pedoman dan tata tertib kerja Dewan Komisaris to each member of the Board of Commissioners
yang bersifat mengikat bagi setiap anggota Dewan b. Evaluate and approve the Bank’s Business Plan (RBB)
Komisaris. c. Based on the decision of the GMS, the Board of
b. Mengevaluasi dan menyetujui Rencana Bisnis Bank Commissioners appointed a Public Accountant based
(RBB). on the recommendation of the Audit Committee to
c. Berdasarkan keputusan RUPS, Dewan Komisaris BVEJUUIF$PNQBOZTmOBODJBMTUBUFNFOUT
menetapkan Akuntan Publik atas rekomendasi Komite 3. Perform duties and responsibilities independently and
Audit untuk melakukan audit atas laporan keuangan accountable to the General Meeting of Shareholders
Perseroan. 4. Ensure the implementation of Good Corporate Governance
3. Melaksanakan tugas dan tanggung jawab secara (GCG) in each of the Bank’s business activity at all levels
independen dan bertanggung jawab kepada RUPS. of the organization.
4. Wajib memastikan terselenggaranya pelaksanaan Good 5. Establish the committees and ensure that the Committees
Corporate Governance (GCG) dalam setiap kegiatan have effectively carry out their duties in accordance with
usaha Bank pada seluruh tingkatan atau jenjang applicable legislations
organisasi. 6. The Board of Commissioners is prohibited to be involved
5. Wajib membentuk Komite-komite dan memastikan bahwa in the decision-making related to the Bank’s operations,
Komite tersebut telah menjalankan tugasnya secara efektif FYDFQUPUIFSNBUUFSTTQFDJmFEJOUIF"SUJDMFTPG"TTPDJBUJPO
sesuai dengan peraturan perundangan yang berlaku. or the applicable laws.
6. Dilarang terlibat dalam pengambilan keputusan kegiatan 7. Approval given by the Board of Commissioners is part of
operasional Bank, kecuali hal-hal Iain yang ditetapkan the supervision task of the Board of Commissioners thus
dalam Anggaran Dasar atau peraturan perundang- not eliminating the responsibilities of the Board of Directors
undangan yang berlaku. in the implementation of the management of the Bank. The
7. Persetujuan yang diberikan Dewan Komisaris merupakan supervisory task by the Board of Commissioners is an
bagian dari tugas pengawasan Dewan Komisaris early monitoring effort necessary to be implemented.
sehingga tidak menghilangkan tanggung jawab 8. Review and approve the policies which according to the
Direksi dalam pelaksanaan kepengurusan Bank. Tugas applicable laws and regulations require the approval of the
pengawasan oleh Dewan Komisaris tersebut merupakan Board of Commissioners.
upaya pengawasan dini yang perlu dilaksanakan. 9. Assess the accountability of the Board of Directors on the
8. Mengkaji dan menyetujui kebijakan-kebijakan yang implementation of policies that have been approved.
menurut peraturan perundangan yang berlaku wajib 10. Prepare the report on the monitoring task carried out
memerlukan persetujuan Dewan Komisaris. EVSJOH UIF QBTU mOBODJBM ZFBS UP CF TVCNJUUFE UP UIF
9. Mengkaji pertanggung jawaban Direksi atas pelaksanaan General Meeting of Shareholders
kebijakan-kebijakan yang telah disetujui.
10. Membuat laporan tentang tugas pengawasan yang telah
dilakukan selama tahun buku yang baru lampau untuk
disampaikan kepada RUPS

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
DEWAN KOMISARIS
11. Mengevaluasi Iaporan tahunan yang dipersiapkan 11. Evaluate the annual report prepared by the Board of
oleh Direksi serta menandatangani laporan tersebut. Directors and sign the report. The review of the annual
Penelaahan Iaporan tahunan dilakukan sebelum report is conducted prior to the GMS.
pelaksanaan RUPS. 12. Ensure that the Board of Directors has performed the follow
12. Memastikan bahwa Direksi telah menindaklanjuti temuan VQ PO UIF BVEJU mOEJOHT BOE SFDPNNFOEBUJPOT GSPN UIF
audit dan rekomendasi dari Satuan Kerja Audit Internal Internal Audit Unit (SKAI) of the Bank, external auditors,
(SKAI) Bank, auditor eksternal, hasil pengawasan Otoritas the Financial Services Authority and/ or the results of the
Jasa Keuangan dan/atau hasil pengawasan otoritas monitoring of other authorities.
Iainnya. 13. Notify the Financial Services Authority at the latest 7
13. Melakukan pemberitahuan kepada Otoritas Jasa (seven) working days since the discovery of;
Keuangan paling Iambat 7 (tujuh) hari kerja semenjak B 7JPMBUJPOTPGUIFMFHJTMBUJPOTJOUIFmFMEPGmOBODFBOE
ditemukannya; banking; and
a. Pelanggaran peraturan perundang-undangan di b. The condition or potential condition that can endanger
bidang keuangan dan perbankan; dan UIF TVSWJWBM PG UIF #BOL CBTFE PO UIF mOEJOHT BOE
b. Keadaan atau perkiraan keadaan yang dapat recommendations of the committees which assist
membahayakan kelangsungan usaha Bank yang the Board of Commissioners in monitoring the Bank’s
didasarkan pada temuan maupun rekomendasi dari operations.
Komite-komite yang membantu Dewan Komisaris c. The matters that must be reported that have not been
dalam pengawasan operasional Bank. or are not yet reported by the Bank and/ or the Director
c. Hal-hal yang wajib dilaporkan di atas yang belum of Compliance to the Financial Services Authority.
atau tidak dilaporkan oleh Bank dan/atau Direktur %FmOF BOE JNQMFNFOU B OPNJOBUJPO FWBMVBUJPO BOE
Kepatuhan kepada Otoritas Jasa Keuangan. remuneration system for the Management which is
14. Menentukan dan melaksanakan sistem nominasi, evaluasi, transparent after considering the results of the study of
remunerasi yang transparan bagi Pengurus setelah the Remuneration and Nomination Committee which are
mempertimbangkan hasil kajian Komite Remunerasi dan subsequently submitted for approval from the GMS.
Nominasi yang selanjutnya diajukan untuk memperoleh
persetujuan RUPS.
Pembagian Tugas Dewan Komisaris Division of Tasks of the Board of Commissioners

Berdasarkan Keputusan Dewan Komisaris No. 06/DK/2007: Based on the decision of the Board of Commissioners No. 06/
1. Komisaris Utama bertugas untuk mengkoordinasikan DK/2007:
kegiatan Dewan Komisaris. 1. The President Commissioner is in charge of coordinating
2. Pembagian tugas diantara anggota Dewan Komisaris the activities of the Board of Commissioners
diatur di antara anggota Dewan Komisaris dan ditetapkan 2. The division of tasks among the members of the Board of
oleh Komisaris Utama Commissioners is set among the members of the Board
3. Untuk membantu kelancaran tugasnya, anggota Dewan of Commissioners and determined by the President
Komisaris dibantu oleh Sekretariat Komisaris yang berasal Commissioner
dari pegawai bank bjb dan ditetapkan oleh Direksi 3. In the application of their duties, members of the Board
berdasarkan persetujuan Dewan Komisaris. of Commissioners are assisted by the Secretary of the
Commissioners derived from the Bank’s employees
and determined by the Board of Directors based on the
approval of the Board of Commissioners.

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
447
Prosedur Penetapan Remunerasi

Remuneration Determination Procedure
Prosedur dan struktur remunerasi sesuai dengan ketentuan Procedure and structure of remuneration are in compliance
Peraturan Bank Indonesia Nomor 8/4/PBI/2006 Tentang with Bank Indonesia Regulation No. 8/4/PBI/2006 on
Pelaksanaan Good Corporate Governance bagi Bank Umum the Implementation of Good Corporate Governance for
pasal 46 bahwa untuk pengurus direkomendasikan kebijakan Commercial Bank, Article 46, stating that the remuneration
remunerasi paling kurang sesuai dengan: policy for the Management at least is in accordance with:ar
a. Kinerja keuangan dan pemenuhan cadangan B 'JOBODJBMQFSGPSNBODFBOEGVMmMNFOUPGSFTFSWFTFUGPSUIJO
sebagaimana diatur dalam peraturan perundang- the prevailing rules and regulations;
undangan yang berlaku; b. Individual achievement;
b. Prestasi kerja individual; c. Fairness with peer group; and
c. Kewajaran dengan peer group; dan d. Consideration of the Bank’s target and long-term strategy
d. Pertimbangan sasaran dan strategi jangka panjang Bank.
Skema Prosedur Remunerasi Dewan Komisaris

Remuneration Procedure of the Board of Commissioners Scheme
REKOMENDASI
DAN USULAN
REMUNERASI
ANGGOTA DEWAN
Remuneration
recommendations and
proposals of the Board
Members MEMBAHAS
USULAN KOMITE
REMUNERASI DAN
NOMINASI SERTA
MENYUSUN MENGUSULKAN
REKOMENDASI DAN KEPADA RUPS
MENGUSULKAN REMUNERASI BAGI USULAN
KOMITE NOMINASI REMUNERAASI REMUNERASI REMUNERASI
ANGGOTA DEWAN
DAN REMUNERASI ANGGOTA DEWAN ANGGOTA DEWAN ANGGOTA DEWAN
KOMISARIS
(KNR) KOMISARIS KOMISARIS KOMISARIS
Discuss the proposal
Remuneration and Prepare Remuneration Remuneration
of the Remuneration
Nomination Committee recommendations proposal of Members member of Board of
and Nomination
and propose the of the Board of Commissioners
Committee and
remuneration of the propose to the GMS Commissioners
board of commissioners the Remuneration for
members of the Board
RAPAT UMUM
of Commissioners
PEMEGANG SAHAM
(RUPS)
General Meetings of
DEWAN KOMISARIS Shareholders (GMS)
Fasilitas dan Tunjangan Dewan Komisaris dalam Satu Facilities and Allowances of the Board of
Tahun Commissioners in One Year
• Gaji • Salary
• Tantiem • Bonus
• Tunjangan hari raya • Religious Commemoration Allowance
• Fasilitas uang cuti • On Leave Allowance
• Tunjangan hari tua • Old Age Allowance
• Tunjangan pakaian dinas • Uniform Allowance

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
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DEWAN KOMISARIS
• Fasilitas akomodasi dan transportasi perjalanan dinas • Business trip accommodation and transportation facilities
• Manfaat pensiun t 3FUJSFNFOUCFOFmUT
• Fasilitas kesehatan • Health facilities
• Fasilitas rumah dinas • Housing facilities
• Fasilitas komunikasi • Communication facilities
• Insentif prestasi kerja • Incentives for work performance
• Asuransi jabatan • Position Insurance
• Jamsostek (BPJS ketenagakerjaan) • Jamsostek (BPJS)
Struktur Remunerasi Dewan Komisaris

Remuneration of the Board of Commissioners
Jumlah Diterima dalam 1 Tahun
Jenis Remunerasi dan Fasilitas Lain Number of Received in 1 Year
No Remuneration and Other Facilities
Dewan Komisaris
Orang/People Jutaan/Million
Rupiah
1 Remunerasi (gaji, bonus, tunjangan rutin, 8 19.035 Remuneration (salary, bonus, routine
tantiem, dan fasilitas lainnya dalam bentuk allowance, bonus, and other non natura
non natura) facilities)
2 Fasilitas lain dalam bentuk natura (perumahan, Other natura facilities (housing, transportation,
transportasi, asuransi, kesehatan dan IFBMUIJOTVSBODF BOEPUIFST
XIJDI

TFCBHBJOZB
ZBOH

a. Dapat dimiliki 8 225 a. Dapat dimiliki/Be owned

b. Tidak dapat dimiliki b. Tidak dapat dimiliki/Can not be owned
Total 19.260 Total
) Dinilai dalam ekivalen Rupiah ) Assessed in the equivalent amount

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Rapat Umum Pemegang Saham Luar Biasa PT Bank Pembangunan Daerah Jawa with the Deed of Extraordinary Shareholders Regional Development Bank of West
Barat dan Banten, Tbk., Nomor 219, 220, 221, tanggal 19 Desember 2014 Java and Banten, Tbk., No. 219, 220, 221, dated December 19, 2014
Frekuensi Pertemuan/Rapat dan Tingkat Frequency of Meetings and the Level of

Kehadiran Dalam pertemuan/Rapat Dewan Attendance of the Board of Commissioners
Komisaris Meetings
Dewan Komisaris menyelenggarakan rapat sekurang- The Board of Commissioners holds meetings at least 1
kurangnya 1 (satu) kali dalam satu bulan atau pada setiap (one) once a month or at any time deemed necessary by
waktu jika dianggap perlu oleh salah satu atau lebih anggota one or more members of the Board of Commissioners. The
Dewan Komisaris. Mekanisme pengambilan keputusan dalam decision-making mechanism in the meeting of the Board of
rapat Dewan Komisaris berdasarkan atas musyawarah untuk Commissioners is based on deliberation. If consensus cannot
mufakat. Apabila mufakat tidak dapat tercapai, pengambilan be reached, decisions are taken based on a majority vote of
keputusan didasarkan pada suara mayoritas anggota Dewan members of the Board of Commissioners who are present
Komisaris yang hadir atau yang mewakili pada rapat. Apabila or represented at the meeting. In the case the agreeing and
jumlah suara berimbang, maka keputusan yang diajukan disagreeing vote is equal then the proposed decision should
harus ditolak. Kuorum untuk seluruh rapat Dewan Komisaris be rejected. The quorum for all meetings of the Board of
adalah lebih dari separuh jumlah anggota Dewan Komisaris Commissioners is more than half of the members of the Board
yang hadir atau diwakili kuasa yang diberikan kepada salah of Commissioners present or represented by the authority
satu Komisaris yang hadir pada rapat tersebut. given to one of the commissioners present at the meeting.
Selama tahun 2014, secara keseluruhan Dewan Komisaris During 2014, overall the Board of Commissioners held 64
Perseroan telah menyelenggarakan rapat sebanyak 64 kali, meetings, with the level of attendance as follows:
dengan tingkat kehadiran sebagai berikut:

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
449
Tabel Kehadiran Dewan Komisaris dalam Rapat

Table of Attendance of the Board of Commissioners Meeting
Periode Januari-Desember 2014 | Period of January-December 2014
Jumlah Kehadiran |
Nama Total Attendance Persentase/Percentage
Jabatan/Position
Name (%)
Periode 2014 Period
5BVmFRVSBDINBO3VLJ Komisaris Utama/President Commissioner 1 0,2%
Muhadi Komisaris/Commissioner 36 56,25%
8BXBO3JEXBO Komisaris/Commissioner - -
Achmad Baraba Komisaris Independen/Independent Commissioner 57 89,06%
Klemi Subiyantoro Komisaris Independen/Independent Commissioner 45 70,31%
Yayat Sutaryat Komisaris Independen/Independent Commissioner 61 95,31%
Rudhyanto Mooduto Komisaris Independen/Independent Commissioner 50 78,12%
NFOKBCBUTFCBHBJ%FXBO,PNJTBSJT1FSTFSPBOTFKBLUBOHHBM%FTFNCFSTFTVBJ"LUB,FQVUVTBO3614-#OPNPS
served as the Board of Commissioners of the Company since the date of December 19, 2014 in accordance Deed EGM number 221
Selama tahun 2014, Dewan Komisaris Perseroan telah

menyelenggarakan Rapat Gabungan Direksi dan Dewan During 2014, the Board of Commissioners has held a Joint
Komisaris sebanyak 28 kali, dengan tingkat kehadiran Meeting of the Board of Directors and Board of Commissioners
sebagai berikut: as much as 28 times, with the level of attendance as follows:
Tabel Kehadiran Direksi Dalam Rapat Gabungan Dewan Komisaris dan Direksi
Table of Attendance of the Directors In Board Commissioners Meeting
Jumlah Kehadiran |
Nama Total Attendance Persentase/Percentage
Jabatan/Position
Name (%)
Periode 2014 Period
5BVmFRVSBDINBO3VLJ Komisaris Utama/President Commissioner 1 3,57%
Muhadi Komisaris/Commissioner 12 42,86%
8BXBO3JEXBO Komisaris/Commissioner - -
Achmad Baraba Komisaris Independen/Independent Commissioner 26 92,86%
Klemi Subiyantoro Komisaris Independen/Independent Commissioner 20 71,43%
Yayat Sutaryat Komisaris Independen/Independent Commissioner 28 100%
Rudhyanto Mooduto Komisaris Independen/Independent Commissioner 25 89,29%
TFSWFEBTUIF#PBSEPG$PNNJTTJPOFSTPGUIF$PNQBOZTJODFUIFEBUFPG%FDFNCFS JOBDDPSEBODF%FFE&(.OVNCFS
Agenda Rapat Dewan Komisaris

Board Commissioners Meetings Agenda

Tanggal Pelaksanaan Rapat
Agenda Agenda
Date of Meeting
8 Januari 2014 1FNCBIBTBOSFnFLTJUBIVOEBOQFNBOUBQBO %JTDVTTJPOPOUIFSFnFDUJPOJOBOEUIF
January 8, 2014 fungsi serta tugas Dewan Komisaris bank bjb tahun consolidation of functions and duties of the Board of
2014 Commissioners of bank bjb in 2014
- Laporan Komite Remunerasi dan Nominasi - Report of the Remuneration and Nomination
- Lain-lain Committee
- Etc
15 Januari 2014 - Review kinerja bank bjb tahun 2013 dan prospek - Review of bank bjb’s performance in 2013 and
January 15, 2014 tahun 2014 prospects for 2014
- Lain-lain - Etc
15 Januari 2014 - Laporan hasil pertemuan dengan Otoritas Jasa - Review of bank bjb’s performance in 2013 and
January 15, 2014 Keuangan (OJK) pada tanggal 10 Januari 2014 prospects for 2014
- Lain-lainnya - Etc

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
DEWAN KOMISARIS


Agenda Agenda
Date of Meeting
22 Januari 2014 - Pembahasan mekanisme dan program kerja Komite - Discussion of the mechanism and work program of
January 22, 2014 tahun 2014 the Committees in 2014
- Lain-lain - Etc
29 Januari 2014 - Pembahasan laporan Komite Remunerasi dan - Discussion of the report of the Remuneration and
January 29, 2014 Nominasi Nomination Committee
- Lain-lain - Etc
5 Februari 2014 - Laporan Komite Remunerasi dan Nominasi - Report of the Remuneration and Nomination
February 5, 2014 - Lain-lainnya Committee
- Etc
12 Februari 2014 - Laporan Komite-komite Dewan Komisaris - Report of Committees of the Board of Commissioners
February 12, 2014 - Pembahasan permohonan persetujuan (perubahan) - Discussion of the application for approval (change)
penambahan anggaran penyertaan modal kepada on budget increase for equity participation in
PT Asuransi Staco pada rencana revisi RBB 2014 PT Asuransi Staco in the revised Bank Business Plan
- Lain-lain in 2014
- Etc
19 Februari 2014 - Pembahasan rencana Rapat Umum Pemegang - Discussion on the General Meeting of
February 19, 2014 Saham Shareholders
- Lain-lain - Etc
26 Februari 2014 - Pemaparan laporan kinerja bank bjb bulan Januari - Exposure of bank bjb’s performance report in
February 26, 2014 2014 January 2014
- Pembahasan agenda RUPS dan RUPS LB bank bjb - Discussion on the agenda of the AGM and the EGM
tahun buku 2014 of bank bjbJOUIFmOBODJBMZFBS
- Progress report gedung T Tower Jakarta - Progress report on the T Tower Building Jakarta
- Lain-lain - Etc
27 Februari 2014 - Pembahasan laporan pengawasan Dewan Komisaris - Discussion on the monitoring report of the Board of
February 27, 2014 Semester II Tahun 2013 Commissioners second half of 2013
5 Maret 2014 - Laporan KRN mengenai hasil rapat dengan OJK - KRN report on the results of the meeting with OJK in
March 5, 2014 Bandung pada Tanggal 28 Februari 2014 Bandung in February 28, 2014
- Lain-lain - Etc
5 Maret 2014 - Pembahasan hasil pertemuan KRN dengan OJK - Discussion of the results of the meeting between
March 5, 2014 Bandung pada tanggal 28 Februari 2014 KRN and OJK in Bandung on February 28, 2014
7 Maret 2014 - Pembahasan laporan KRN kepada Dewan Komisaris - Discussion on the KRN report to the Board of
March 7, 2014 mengenai Remunerasi Pengurus dan Pegawai bank Commissioners on the Remuneration for the
bjb Management and Employees of bank bjb
- Lain-lain - Etc
12 Maret 2014 - Pembahasan permohonan pemberian fasilitas - Discussion on the application of credit facilities to
March 12, 2014 kredit kepada pihak terkait a.n. PD BPR Saketi - the related party under the name PD BPR Saketi -
Pandeglang Pandeglang
- Pembahasan permohonan pemberian fasilitas kredit - Discussion on the application of credit facilities to
kepada pihak terkait a.n. PD BPR LPK - Cipatujah the related party under the name PD BPR LPK -
- Lain-lain Cipatujah
- Etc
19 Maret 2014 - Pembahasan laporan kinerja bank bjb bulan - Discussion on bank bjb’s performance report in
March 19, 2014 Februari 2014 February 2014
- Finalisasi Laporan Dewan Komisaris dalam Annual - Finalization of the Board of Commissioners
Report 2013 dan pidato Dewan Komisaris pada Report in the Annual Report 2013 and the Board
RUPS Tahunan bank bjb Tahun Buku 2013 of Commissioners speech at the Annual General
- Penunjukan Pemimpin RUPS Tahunan bank bjb Meeting of Shareholders of bank bjb in the Fiscal
Tahun Buku 2013 Year 2013
- Lain-lain - The appointment of the Chairman of the Annual
General Meeting of Shareholders of bank bjb for the
Fiscal Year 2013
- Etc
20 Maret 2014 - Pemaparan laporan kinerja bank bjb bulan Januari - Exposure of bank bjb’s performance report in
March 20, 2014 2014 oleh Direksi January 2014 by the Board of Directors
- Lain-lain - Etc

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
451


Agenda Agenda
Date of Meeting
2 April 2014 - Tindak Lanjut RUPS tahunan Tahun buku 2013 - Follow-up of the Annual General Meeting of
April 2, 2014 - Lain-lain 4IBSFIPMEFSTJOUIFmTDBMZFBS
- Etc
11 April 2014 - Laporan Komite Remunerasi dan Nominasi - Report of the Remuneration and Nomination
April 11, 2014 - Pembahasan surat-surat dari OJK Committee
- Lain-lain - Discussion on the letters from OJK
- Etc
16 April 2014 ,MBSJmLBTJBUBT4VSBU&EBSBOCompliance Checklist $MBSJmDBUJPOPGUIF$JSDVMBS-FUUFSPG$PNQMJBODF
April 16, 2014 - Lain-lain Checklist
- Etc
16 April 2014 - Laporan Komite Remunerasi dan Nominasi - Report of the Remuneration and Nomination
April 16, 2014 - Lain-lain Committee
- Etc
23 April 2014 - Pemaparan laporan Kinerja bank bjb Bulan Maret - Exposure of bank bjb’s performance report in March
April 23, 2014 2014 Oleh Direksi 2014 by the Board of Directors
- Lain-lain - Etc
30 April 2014 - Pembahasan Penyesuaian Rencana Bisnis PT. Bank - Discussion on the Adjustment of the Business Plan of
April 30, 2014 Pembangunan Daerah Jawa Barat dan Banten, Tbk Bank Pembangunan Daerah Jawa Barat dan Banten,
tahun 2014 - 2016 Tbk, in 2014 - 2016
- Lain-lain - Etc
7 Mei 2014 - Pembahasan hasil rapat dengan OJK tanggal 7 Mei - Discussion on the results of meetings with OJK
May 7, 2014 2014 dated May 7, 2014
- Lain-lain - Etc
12 Mei 2014 - Tindak lanjut hasil keputusan Fit and Proper Test - Follow up on the results in the Existing Fit and Proper
May 12, 2014 Existing Test
- Lain-lain - Etc
20 Mei 2014 - Laporan Komite Remunerasi dan Nominasi - Report of the Remuneration and Nomination
May 20, 2014 - Lain-lain Committee
- Etc
21-22 Mei 2014 - Tindak lanjut hasil keputusan Fit and Proper Test - Follow up on the results of the Existing Fit and Proper
May 21-22, 2014 Existing Test
- Lain-lain - Etc
28 Mei 2014 - Laporan dari Divisi-divisi terkait mengenai - Reports of the divisions related to the current
May 28, 2014 perkembangan operasional bank bjb terkini operational development of bank bjb
- Lain-lain - Etc
7 Mei 2014 - Pembahasan hasil rapat dengan OJK tanggal 7 Mei - Discussion on the results of the meeting with OJK
May 1, 2014 2014 dated May 7, 2014
- Lain-lain - Etc
4 Juni 2014 - Tindak Lanjut Atas Operasional bank bjb Terkini - Follow-Up on the latest Operations of bank bjb
June 4, 2014 - Lain-lain - Etc
10 Juni 2014 - Pembahasan Surat OJK Perihal Tindak Lanjut Hasil - Discussion on Letter from OJK concerning the
June 10, 2014 Fit and Proper Test Follow-Up of the results of Fit and Proper Test
- Perubahan Anggaran Dasar - Amendments to the Articles of Association
- Lain-lain - Etc
12 Juni 2014 - Laporan Perkembangan Persiapan RUPS-LB bank - Progress Report on the Preparation of bank bjb’s
June 12, 2014 bjb Tanggal 12 Juli 2014 EGM in July 12, 2014
- Lain-lain - Lain-lain
17 Juni 2014 - Pemaparan Laporan Perkembangan bank bjb - Exposure on the report on bank bjb’s latest
June 17, 2014 Terkini development
- Laporan Perkembangan Persiapan RUPS-LB bank - Progress Report on the Preparation of bank bjb’s
bjb Tanggal 1 Juli 2014 EGM in July 1, 2014
- Lain-lain - Etc

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
DEWAN KOMISARIS


Agenda Agenda
Date of Meeting
30 Juni 2014 - Penunjukan Pemimpin RUPS Luar Biasa bank bjb - Appointment of the Chariman of the Extraordinary
June 30, 2014 tanggal 1 Juli 2014 General Meeting of Shareholders of bank bjb in July
- Lain-lain 1, 2014
- Etc
2 Juli 2014 - Laporan perkembangan kinerja bank bjb terkini - Report on the Bank’s latest bank performance
July 2, 2014 - Lain-lain development
- Etc
10 Juli 2014 - Laporan perkembangan kinerja bank bjb terkini - Report on the Bank’s latest bank performance
July 10, 2014 - Lain-lain development
- Etc
6 Agustus 2014 - Laporan Komite Remunerasi dan Nominasi perihal - Report of the Remuneration and Nomination
August 6, 2014 proses seleksi penerimaan Calon Pengurus Committee concerning the selection process for
- Lain-lain Candidate Manager
- Etc
- Etc
- Etc
- Etc
20 Agustus 2014 1FNBQBSBOQSPmMSJTJLPCBOLbjb oleh Divisi - Exposure of bank bjbTSJTLQSPmMFCZUIF3JTL
August 20, 2014 Manajemen Risiko Management Division
- Pemaparan kajian mengenai kesiapan bank bjb - Exposure of the assessment on the Bank’s readiness
menghadapi Basel III oleh Divisi Manajemen Risiko to face Basel III by the Risk Management Division
- Pemaparan hasil kajian Komite Pemantau Risiko - Exposure on the results of assessment by the
tentang Kualitas Penerapan Manajemen Risiko Risk Oversight Committee on the Quality of Risk
- Lain-lain Management
- Etc
27 Agustus 2014 - Pembahasan hasil perkembangan anak perusahaan - Discussion on the results of the development of the
August 27, 2014 bank bjb bank bjb’s subsidiary entities
- Lain-lain - Etc
28 Agustus 2014 - Pembahasan Hasil Assessment Calon Direksi bank - Discussion on the Assessment Results for the
August 28, 2014 bjb candidates of bank bjb’s directors
- Lain-lain - Etc
5 November 2014 - Pembahasan Pedoman dan Tata Tertib Kerja Dewan - Discussion on the Work Guidelines and Rules of the
November 5, 2014 Komisaris Board of Commissioners
- Pembahasan Pedoman dan Tata Tertib Kerja Komite - Discussion on the Work Guidelines and Rules of the
Remunerasi dan Nominasi Remuneration and Nomination Committee
- Pembahasan laporan Triwulanan Komite Audit - Discussion on the Quarterly report of the Audit
- Lain-lain Committee
- Etc
22 Desember 2014 - Pembahasan Laporan Kinerja bank bjb psisis 30 - Discussion on bank bjb’s performance report bjb in
December 22, 2014 November 2014 November 30, 2014
- Lain-lain - Etc

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
453
+XEXQJDQ $ÀOLDVL +XEXQJDQ .HXDQJDQ GDQ $IÀOLDWH 5HODWLRQVKLS )LQDQFLDO DQG )DPLO\
Hubungan Keluarga) Relationship)
Anggota Dewan Komisaris dengan anggota Dewan Among members of the Board of Commissioners with fellow
Komisaris lainnya, Direksi dan/atau Pemegang Saham members of the Board of Commissioners, Board of Director
Pengendali Bank. and/or the Controlling Shareholders of the Bank.
Hubungan Keuangan/
Hubungan Keluarga/Family Relationship with
Financial Relationship with
Pemegang Saham Pemegang Saham
Nama/ Dewan Komisaris/ Direksi/ Dewan Komisaris/
Pengendali/ Pengendali/ Direksi/
Board of Board of Directors Board of
Name Controlling Controlling Board of Directors
Commissioners Commissioners
Shareholder Shareholder
Tidak/ Tidak/ Tidak/ Tidak/ Tidak/ Tidak/

Ada/Yes Ada/Yes Ada/Yes Ada/Yes Ada/Yes Ada/Yes
No No No No No No
7DXÀHTXUDFKPDQ5XNL - ʚ - ʚ - ʚ - ʚ - ʚ - ʚ
Muhadi - ʚ - ʚ - ʚ - ʚ - ʚ - ʚ
Wawan Ridwan - ʚ - ʚ - ʚ - ʚ - ʚ - ʚ
Yayat Sutaryat - ʚ - ʚ - ʚ - ʚ - ʚ - ʚ
Achmad Baraba - ʚ - ʚ - ʚ - ʚ - ʚ - ʚ
Klemi Subiyantoro - ʚ - ʚ - ʚ - ʚ - ʚ - ʚ
Rudhyanto Mooduto - ʚ - ʚ - ʚ - ʚ - ʚ - ʚ
.FOKBCBUTFCBHBJ%FXBO,PNJTBSJT1FSTFSPBOTFKBLUBOHHBM%FTFNCFSTFTVBJ"LUB,FQVUVTBO3614-#OPNPS
4FSWFEBTUIF#PBSEPG$PNNJTTJPOFSTPGUIF$PNQBOZTJODFUIFEBUFPG%FDFNCFS JOBDDPSEBODF%FFE&(.OVNCFS
Program Pelatihan Dewan Komisaris Training Program for Commissioners
Program Pelatihan Peningkatan Kompetensi Komisaris Tahun 2014

Competence Enhancement Training Program for Commissioners in 2014
Nama Program Pelatihan Tanggal Mulai Tanggal Selesai
Lokasi/Location
Name Training Program Start Date Finish Date
7DXÀHTXUDFKPDQ5XNL - - - -
4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM 25 Januari/January 25 Januari/January
Muhadi Jakarta
3JTL.BOBHFNFOU$FSUJmDBUJPO-FWFM 2014 2014
Seminar Human Capital Planning Toward Asean Economic
10 Desember/ 10 Desember/
Community 2015/Human Capital Planning Seminar Toward Asean Jakarta
December 2014 December 2014
Economic Community 2015
Wawan Ridwan - - - -
8PSLTIPQ*EFOUJmLBTJ%BO*NQMFNFOUBTJ4JTUFN3FNVOFSBTJ#BOL
12 Februari/February 13 Februari/February
Yayat Sutaryat Di Indonesia/8PSLTIPQPO*EFOUJmDBUJPOBOE*NQMFNFOUBUJPO Jakarta
2014 2014
Remuneration System Bank In Indonesia
Implementasi Basel III/Basel III Implementation Jakarta 21 Mei/May 2014 21 Mei/May 2014
Seminar Nasional BPDSI 15 Desember/ 16 Desember/
Jakarta
National Seminar BPDSI December 2014 December 2014
Liquidity Risk Management - BSMR
Achmad Baraba Australia 14 Mei/May 2014 15 Mei/May 2014
Liquidity Risk Management - BSMR
Program Intensive Wealth Management and Risk Management
Refreshment Program for Executives/Program Intensive Wealth
Klemi Subiyantoro Belanda - Belgia 10 Mei/May 2014 17 Mei/May 2014
Management and Risk Management Refreshment Program for
Executives
Program Intensive Wealth Management and Risk Management
Refreshment Program for Executives/Program Intensive Wealth
Rudhyanto Mooduto Belanda - Belgia 10 Mei/May 2014 17 Mei/May 2014
Management and Risk Management Refreshment Program for
Executives
Pelatihan Fraud Management Best Practice Course 3 November/ 7 November/
Inggris
Fraud Management Best Practice Course Training November 2014 November 2014
Community 2015/Human Capital Planning Toward Asean Economic Jakarta
Community 2015 Seminar
TFSWFEBTUIF#PBSEPG$PNNJTTJPOFSTPGUIF$PNQBOZTJODFUIFEBUFPG%FDFNCFS JOBDDPSEBODF%FFE&(.OVNCFS

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
DEWAN KOMISARIS
Program Orientasi bagi Komisaris dan anggota Orientation program for the Commissioners and
Komite di bawah Dewan Komisaris Baru members of the Committees under the new Board
Untuk kelancaran pelaksanaan tugas, bank bjb of Commissioners
memberlakukan program pengenalan atau orientasi bagi In order for the tasks to be imlemented smoothly, bank bjb
anggota Dewan Komisaris yang baru. Program Pengenalan imposes the introduction or orientation program for new
sangat penting untuk dilaksanakan, mengingat Dewan members of the Board of Commissioners. The introduction
Komisaris berasal dari berbagai latar belakang, sehingga program is very important to be conducted, given the
untuk dapat membentuk tim kerja yang solid, Program members of the Board of Commissioners come from various
Orientasi tersebut menjadi sangat bermanfaat untuk backgrounds, thus to be able to form a solid team work, the
dijalankan. orientation program will be very useful.
Materi pengenalan disampaikan oleh Direktur Utama, yang The materials conveyed by the President Director in the
antara lain mengenai: introduction program, among others include:
1. Tugas dan tanggung jawab Dewan Komisaris berdasarkan 1. The duties and responsibilities of the Board of
hukum. Commissioners by law.
2. Pelaksanaan prinsip-prinsip GCG oleh bank bjb. 2. The implementation of corporate governance principles
3. Gambaran mengenai bank bjb berkaitan dengan tujuan, by bank bjb.
sifat, lingkup kegiatan, kinerja keuangan dan operasi, 3. Description of bank bjb with regard to the objectives,
strategi, rencana usaha jangka pendek dan jangka OBUVSF TDPQF PG BDUJWJUJFT mOBODJBM BOE PQFSBUJPOBM
panjang, posisi kompetitif, risiko dan masalah-masalah performance, strategies, short-term and long-term
strategis lainnya. business plans, competitive position, risks and other
4. Pedoman dan Tata Tertib Kerja Dewan Komisaris dan strategic issues.
Komite-komite di bawahnya. 4. Work Guidelines and Rules for the Board of Commissioners
5. Kegiatan usaha/investasi yang sedang dijalankan oleh and the Committees under the Board of Commissioners.
Bank. 5. The business activities/ investments being carried out by
the Bank.
Pengungkapan mengenai Board Charter Disclosure of Board Charter (Guidelines and

(Pedoman dan Tata Tertib Kerja Dewan Komisaris) Regulations of the Board of Commissioners)
Sudah dituangkan dalam Keputusan Dewan Komisaris Has been set forth in the Decree of the Board of Commissioners
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk., of PT Bank Jabar No. 06/DK/2007 on Work Guidelines of the
Nomor 06/DK/SK/2014 tentang Pedoman dan Tata Tertib Kerja Board of Commissioners of PT Bank Pembangunan Daerah
Dewan Komisaris PT Bank Pembangunan Daerah Jawa Barat Jawa Barat.
dan Banten Tbk.
Komisaris Independen Independent Commissioner

Sesuai dengan PBI nomor 8/4/PBI/2006 tanggal 30 Januari In accordance with PBI No. 8/4/PBI/2006 dated January 30,
2006 sebagaimana telah diubah dengan Peraturan Bank 2006 as amended by Bank Indonesia Regulation number
Indonesia nomor 8/14/PBI/2006 tanggal 5 Oktober 2006 serta 8/14/PBI/2006 dated October 5, 2006 and Bank Indonesia
Surat Edaran Bank Indonesia No. 9/12/DPNP Tanggal 30 Mei Circular Letter No. 9/12/DPNP dated May 30, 2007 on
2007 tentang Pelaksanaan Good Corporate Governance bagi the Implementation of Good Corporate Governance for
Bank Umum, yang dimaksud dengan Komisaris Independen Commercial Banks, the Independent Commissioner is a
adalah anggota Dewan Komisaris yang tidak memiliki member of the Board of Commissioners who do not have
hubungan keuangan, kepengurusan, kepemilikan saham dan mOBODJBM NBOBHFNFOU PXOFSTIJQBOEPSGBNJMZSFMBUJPOTIJQT
atau hubungan keluarga dengan anggota Dewan Komisaris with members of the Board of Commissioners, Board of
lainnya, Direksi dan atau pemegang saham pengendali Directors and or controlling shareholder or the relationship with

Introduction
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Corporate Data
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atau hubungan dengan Bank, yang dapat mempengaruhi the Bank, which could affect its ability to act independently.
kemampuannya untuk bertindak independen. Selain tugas In addition to the duties and the supervision function on
dan fungsi pengawasan terhadap jalannya operasional Bank the Bank’s operations in general and ensure compliance
secara umum dan memastikan kepatuhan terhadap peraturan with the applicable laws and regulations, the Independent
dan perundangan yang berlaku, Komisaris Independen Commissioner also has a special responsibility namely to
juga mempunyai tanggung jawab khusus yaitu mewakili represent the interests of the minor shareholders of the Bank.
kepentingan pemegang saham minoritas Bank. Adapun The number of Independent Commissioners in the Company
Komisaris Independen perseroan berjumlah 4 (empat) orang is 4 (four) or more than 50% of the number of Commissioners.
atau lebih dari 50% jumlah Komisaris.
Kriteria Penentuan Komisaris Independen Criteria of the Independent Commissioner

Kriteria penentuan Komisaris Independen telah diatur dalam Criteria for determining the Independent Commissioner has
Keputusan Dewan Komisaris PT Bank Jabar Nomor 06/ been set in the decision of the Board of Commissioners of
DK/2007 tentang Pedoman Kerja DewanKomisaris PT Bank PT Bank Jabar No. 06/DK/2007 on the Work Guidelines of the
Pembangunan Daerah Jawa Barat. Adapun persyaratan Board of Commissioners of PT Bank Pembangunan Daerah
Komisaris Independen diantaranya: Jawa Barat. The requirements for Independent Commissioner
include:
1. Dewan Komisaris terdiri dari Komisaris dan Komisaris 1. The Board of Commissioners consists of Commissioner
Independen. Paling kurang 50% (lima puluh perseratus) BOE *OEFQFOEFOU $PNNJTTJPOFS "U MFBTU mGUZ
dari jumlah anggota Dewan Komisaris adalah Komisaris percent) of the members of the Board of Commissioners
Independen. are Independent Commissioners.
2. Komisaris Independen adalah anggota Dewan Komisaris 2. Independent Commissioner is a member of the Board
yang tidak memiliki hubungan dengan pemegang of Commissioners who do not have a relationship with
saham pengendali/mayoritas, keuangan, kepengurusan, UIF DPOUSPMMJOH NBKPS TIBSFIPMEFST mOBODJBM SFMBUJPOT
kepemilikan saham dan/atau hubungan keluarga management relations, shares ownership and/ family
dengan anggota Dewan Komisaris lainnya, Direksi dan/ relationships with other members of the Board of
atau dengan Bank, serta bebas dari hubungan bisnis Commissioners, Board of Directors and/ or the Bank, as
atau hubungan lainnya yang dapat mempengaruhi well as free of business relationships or other relationships
kemampuannya untuk bertindak independen. that may affect its ability to act independently.
a. Pemegang Saham Pengendali adalah badan hukum, a. Controlling Shareholder is a legal entity, individual
orang perseorangan maupun kelompok usaha or group that owns the Bank’s shares amounting to
yang memiliki saham Bank sebesar 25% (dua puluh UXFOUZ mWF QFSDFOU
PS NPSF PG UIF UPUBM JTTVFE
lima perseratus) atau lebih dari jumlah saham yang shares with voting rights or owns shares of the Bank of
dikeluarkan dan mempunyai hak suara atau memiliki MFTTUIBO UXFOUZmWFQFSDFOU
PGUIFUPUBMJTTVFE
saham Bank kurang dari 25% (dua puluh lima shares with voting rights and is concerned provable to
perseratus) dari jumlah saham yang dikeluarkan dan have performed Control on the Bank, either directly or
mempunyai hak suara namun yang bersangkutan indirectly.
dapat dibuktikan telah melakukan Pengendalian Bank, b. Financial relationship in question is if a person
baik secara langsung maupun tidak langsung. SFDFJWFTJODPNF mOBODJBMBJE PSMPBOTGSPNUIF#BOLT
b. Hubungan keuangan yang dimaksud adalah apabila Controlling Shareholder.
seseorang menerima penghasilan, bantuan keuangan,
atau mendapatkan pinjaman dari Pemegang Saham
Pengendali Bank.

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c. Hubungan kepengurusan adalah apabila seseorang c. Management Relations is when a person occupying a
menduduki posisi sebagai anggota Dewan Komisaris, position as a member of the Board of Commissioners,
Direksi atau Pejabat Eksekutif pada perusahaan #PBSEPG%JSFDUPSTPS&YFDVUJWF0GmDFSTPGB$PNQBOZ
Pemegang Saham Pengendali Bank. owned by the controlling shareholder of the Bank
d. Kepemilikan saham adalah: d. Shareholding is:
• Pemegang Saham Pengendali • Controlling Shareholders
• Pemegang Saham Bank bersama Pemegang • Shareholders of the Bank and controlling
Saham Pengendali Bank. shareholders of the Bank.
• Untuk pembagian saham yang berasal dari • For the distribution of shares from the Management
Management Shares Option Program (MSOP) Shares Option Program (MSOP), the amount may
besarnya tidak boleh melebihi 5% (lima persen) OPUFYDFFE mWFQFSDFOU
PGUIFQBJEVQDBQJUBM
dari modal disetor Bank dan tidak termasuk dalam of the Bank and is not included in the shares
hubungan kepemilikan saham dimaksud. ownership relations referred above.
e. Hubungan keluarga, seperti tercantum pada e. Family relationships, as listed on the independence
persyaratan independensi. Apabila Pemegang Saham requirements. If the Controlling Shareholder is a legal
Pengendali merupakan badan hukum, maka Direktur entity, then the President Director must not have any
Utama tidak boleh memiliki hubungan keluarga family relationship with Directors, Commissioners and
dengan Direktur, Komisaris maupun Pejabat Eksekutif &YFDVUJWF 0GmDFST PG UIF MFHBM FOUJUZ PG UIF #BOLT
badan hukum Pemegang Saham Pengendali Bank. controlling shareholders.
f. Hubungan lain yang dapat menghalangi Komisaris f. Other relationships that could hinder the Independent
Independen tidak dapat bertindak independen adalah; Commissioner to act independently are;
• Kepemilikan saham Bank dengan jumlah t 0XOFSTIJQPG#BOLTIBSFTCZNPSFUIBO mWF
kepemilikan lebih dari 5% (lima persen) dari modal percent) of the paid up capital of the Bank;
disetor Bank; t 3FDFJWF PS HJWF JODPNF mOBODJBM BJE PS MPBOT
• Menerima atau memberi penghasilan, bantuan from/ to the Bank that led the party giving income,
keuangan, atau pinjaman dari/kepada Bank yang mOBODJBMBJEPSMPBOTUPIBWFUIFBCJMJUZUPJOnVFODF
menyebabkan pihak yang memberi penghasilan, DPOUSPMMJOH JOnVFODF
UIF QBSUZ SFDFJWJOH UIF
bantuan keuangan atau pinjaman memiliki JODPNF TVDIBTmOBODJBMBJETPSMPBOT
kemampuan untuk mempengaruhi (controlling B "GmMJBUFE QBSUZ JT UIF QBSUZ QSPWJEJOH TFSWJDFT
JOnVFODF) pihak yang menerima penghasilan, to the Bank, among others, public accountant,
bantuan keuangan atau pinjaman seperti; appraiser, consultant;
B 1JIBL UFSBmMJBTJ ZBLOJ QJIBL ZBOH NFNCFSJLBO b. Financial transactions with the Bank that may
jasanya kepada Bank, antara lain akuntan affect the viability of the Bank and/ or parties
publik, penilai, konsultan; QFSGPSNJOH UIF mOBODJBM USBOTBDUJPOT TVDI
b. transaksi keuangan dengan Bank yang dapat as the core debtors, core depositors, or
mempengaruhi kelangsungan usaha Bank companies whose source of funds are mostly
dan/atau pihak yang melakukan transaksi derived from the Bank.
keuangan, antara lain debitur inti, deposan inti, c. Core debtor depositors as referred in the Bank
atau perusahaan yang sebagian besar sumber Indonesia regulations concerning Commercial
pendanaannya diperoleh dari Bank. Bank Periodic Reports.
c. debitur inti, deposan inti adalah debitur inti,
deposan inti sebagaimana dimaksud dalam
ketentuan Bank Indonesia mengenai Laporan
Berkala Bank Umum.

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3. Komisaris dapat diubah statusnya menjadi Komisaris 3. A commissioner may change his/ her status to independent
Independen dengan meminta persetujuan dari Bank commissioner through the approval from Bank Indonesia.
Indonesia. Untuk mendapatkan persetujuan, calon To obtain approval, the candidate of the Independent
Komisaris Independen harus menyampaikan surat Commissioner must submit a statement of independence
pernyataan independensi sesuai format dari Bank according to the format set by Bank Indonesia. Approval
Indonesia. Persetujuan diberikan setelah dilakukan will be given after an administrative assessment of the
penilaian administratif terhadap kebenaran surat validity of the statement letter and the examination of track
pernyataan independensi dan penelitian track record. record.
4. Anggota Dewan Komisaris tidak boleh merangkap jabatan 4. Members of the Board of Commissioners shall not
lain yang dapat menimbulkan benturan kepentingan concurrently occupy other positions which may cause the
secara langsung maupun tidak langsung dengan Bank. PDDVSSFODFPGDPOnJDUPGJOUFSFTUEJSFDUMZPSJOEJSFDUMZXJUI
the Bank.
5. Anggota Dewan Komisaris hanya dapat merangkap 5. Members of the Board of Commissioners may concurrently
jabatan sebagai: serve as:
a. Anggota Dewan Komisaris, Direksi atau Pejabat a. Members of the Board of Commissioners, Board of
Eksekutif pada 1 (satu) lembaga/perusahaan bukan %JSFDUPSTPS&YFDVUJWF0GmDFSJO POF
OPOmOBODJBM
lembaga keuangan, atau istitution/ company, or
b. Anggota Dewan Komisaris, Direksi, atau Pejabat b. Members of the Board of Commissioners, Board of
Eksekutif yang melaksanakan fungsi pengawasan %JSFDUPST PSUIF&YFDVUJWF0GmDFSDBSSZPVUTVQFSWJTJPO
pada 1 (satu) perusahaan anak bukan Bank yang on 1 (one) non-bank subsidiaries controlled by the
dikendalikan oleh Bank, Bank,
6. Tidak termasuk rangkap jabatan apabila: 6. Not a concurrent position if:

a. Anggota Dewan Komisaris Non Independen a. Non Independent Member of the Board of
menjalankan tugas fungsional dari pemegang saham Commissioners performs the functional duties of
Bank yang berbentuk badan hukum pada kelompok the shareholders of the legal entities in the business
usahanya; dan/atau group; and/ or
b. Anggota Dewan Komisaris menduduki jabatan pada b. Members of the Board of Commissioners occupy
organisasi atau lembaga nirlaba. QPTJUJPOTJOOPOQSPmUPSHBOJ[BUJPOTPSJOTUJUVUJPOT
Sepanjang yang bersangkutan tidak mengabaikan As long as the concerned party do not neglect the
pelaksanaan tugas dan tanggung jawab sebagai anggota duties and responsibilities as a member of the Board of
Dewan Komisaris Bank. Commissioners.
7. Antara para anggota Dewan Komisaris tidak memiliki 7. Among the members of the Board of Commissioners there
hubungan keluarga sedarah sampai dengan derajat are no family relationships to the second degree, either
kedua, baik menurut garis lurus maupun garis ke samping vertically or horizontally or in law relations with other
ataupun hubungan menantu atau ipar dengan anggota members of the Board of Directors.
Dewan Komisaris lainnya dan anggota Direksi.
8. Anggota Dewan Komisaris wajib mengungkapkan: 8. Members of the Board of Commissioners are obliged to
a. kepemilikan saham baik pada Bank maupun pada disclose:
Bank dan perusahaan lain yang berkedudukan di a. Shares ownership in the Bank and in other banks and
dalam dan di luar negeri; other companies domiciled inside and outside the
b. hubungan keuangan dan hubungan keluarga dengan country;
anggota Dewan Komisaris lain, anggota Direksi dan/ C mOBODJBM SFMBUJPOT BOE GBNJMZ SFMBUJPOT XJUI PUIFS

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atau pemegang saham pengendali Perseroan dalam members of the Board of Commissioners, members of
laporan pelaksanaan Good Corporate Governance the Board of Directors and/ or controlling shareholders
kepada Bank Indonesia. of the Company in report on the application of good
corporate governance to Bank Indonesia.
9. Anggota Dewan Komisaris harus mengungkapkan 9. Members of the Board of Commissioners must disclose
seluruh benturan kepentingan yang sedang dihadapi BMMDPOnJDUTPGJOUFSFTUUIBUBSFCFJOHGBDFEBOEQPUFOUJBM
maupun yang berpotensi menjadi benturan kepentingan DPOnJDUT PG JOUFSFTU PS NBUUFST UIBU DBO JOIJCJU NFNCFST
atau segala sesuatu yang dapat menghambat anggota of the Board of Commissioners to act independently.
Dewan Komisaris untuk bertindak independen. Benturan $POnJDU PG JOUFSFTU JT UIF PDDVSSFODF PG DPOnJDU CFUXFFO
LFQFOUJOHBO BEBMBI TVBUV NVODVMOZB LPOnJL BOUBSB the economic interests of the company and individual.
kepentingan ekonomis perusahaan dan kepentingan
ekonomis individu.
10. Dalam hal terdapat benturan kepentingan dalam *OUIFFWFOUPGBDPOnJDUPGJOUFSFTUJOUIFEFDJTJPONBLJOH

pengambilan keputusan, Dewan Komisaris harus the Board of Commissioners must prioritize the interests of
mengutamakan kepentingan Bank. the Bank.
11. Pengungkapan benturan kepentingan dicantumkan %JTDMPTVSF PG DPOnJDUT PG JOUFSFTU JT DPOUBJOFE JO UIF
dalam setiap risalah rapat Dewan Komisaris, paling minutes of meetings of the Board of Commissioners at
kurang mencakup nama anggota Dewan Komisaris yang least consisting the name of the Board of Commissioners
memiliki benturan kepentingan, masalah pokok benturan XJUIUIFDPOnJDUPGJOUFSFTU UIFDFOUSBMJTTVFPGUIFDPOnJDU
kepentingan dan dasar pertimbangan pengambilan of interest and the decision-making considerations.
keputusan.
12. Terkait dengan pengambilan keputusan dalam 12. With regard to decision-making in the Board of
Rapat Dewan Komisaris, Dewan Komisaris yang Commissioners’ meeting, the member of the Board of
memiliki benturan kepentingan diperkenankan untuk $PNNJTTJPOFST XJUI DPOnJDU PG JOUFSFTU JT BMMPXFE UP
mengungkapkan ide dan pendapat, akan tetapi tidak express ideas and opinions, but shall not be included in the
disertakan dalam pengambilan keputusan baik dalam decision making both in the deliberation and voting. This
musyawarah maupun pengambilan suara terbanyak. Hal is recorded in the minutes of the Board of Commissioners’
ini dicatat dalam risalah Rapat Dewan Komisaris. meeting.
Pernyataan Tentang Independensi Komisaris Statement On Independence by the Independent

Independen Commissioner
Seluruh Komisaris Independen tidak memiliki hubungan All of the Independent Commissioners do not have relations
dengan sesama anggota Dewan Komisaris, dengan anggota with fellow members of the Board of Commissioners, with
Direksi, maupun dengan Pemegang Saham Pengendali dan/ members of the Board of Directors, as well as with the
atau RUPS. Controlling Shareholder and/or the GMS.

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ASSESSMENT TERHADAP DEWAN KOMISARIS ASSESSMENT ON THE BOARD OF

COMMISSIONERS
Proses Pelaksanaan Asessment Kinerja Dewan Komisaris The Assessment on the Performance of the Board of
Pengungkapan-pengungkapan mengenai proses pelaksanaan Commissioners
assesment yang telah dilakukan Dewan Komisaris mengacu Disclosures regarding the assessment performed on the Board
kepada kriteria peraturan Bank Indonesia tentang GCG dan of Commissioners refers to the provisions of Bank Indonesia
peraturan serta ketentuan lainnya yang terkait dan diatur regulations on corporate governance and other related
dalam Keputusan Dewan Komisaris PT Bank Jabar Nomor 06/ regulations and provisions and regulated in the Decision of
DK/2007 tentang Pedoman Kerja Dewan Komisaris PT Bank the Board of Commissioners of PT Bank Jabar No. 06/DK/2007
Pembangunan Daerah Jawa Barat. on the Work Guidelines for the Board of Commissioners of
PT Bank Pembangunan Daerah Jawa Barat.
Kriteria Asessment Kinerja Dewan Komisaris The Criteria of Performance

Penilaian kinerja anggota Dewan Komisaris difasilitasi oleh The assessment on the performance of the Board of
Komite Nominasi dan Remunerasi dengan sistem self Commissioners is facilitated by the Nomination and
assessment atau sistem lain yang ditetapkan oleh rapat Remuneration Committee with the self-assessment system or
Dewan Komisaris. any other systems determined in the Board of Commissioners
meeting.
Penilaian kinerja Dewan Komisaris dilakukan berdasarkan The assessment on the performance of the Board of
kriteria sebagai berikut: Commissioners is based on the following criteria:
a. Kehadiran dalam rapat Dewan Komisaris. a. Attendance in the meetings of the Board of Commissioners.
b. Kehadiran dalam rapat Komite di tingkat Dewan Komisaris. b. Attendance in the meetings of the Committees at the level
c. Kinerja anggota Dewan Komisaris dapat dinilai menurut of BOC.
faktor lainnya baik secara individual maupun kolektif, c. The performance of the members of the Board of
antara lain: Commissioners may be assessed according to other
i. Integritas, misalnya benturan kepentingan yang factors, both individually and collectively, among others:
muncul. J *OUFHSJUZ GPSFYBNQMF DPOnJDUTPGJOUFSFTUUIBUBSJTF
ii. Hubungan anggota Dewan Komisaris dengan sesama ii. Relationships with other members of the Board of
anggota Dewan Komisaris, dengan Direksi dan pihak- Commissioners, Board of Directors and other parties
pihak lain yang diatur dalam Anggaran Dasar dan as regulated by the Articles of Association and the
Peraturan Perundang-undangan serta Peraturan Bank applicable Laws and Bank Indonesia Regulations.
Indonesia yang berlaku.
Prosedur Penilaian Assessment Procedures

Hasil assessment Dewan Komisaris berdasarkan kriteria- The results of assessment based on the above criteria shall be
kriteria di atas disampaikan kepada pemegang saham untuk TVCNJUUFEUPUIFTIBSFIPMEFSTGPSBQQSBJTBM5IFmOBMSFTVMUT
dilakukan penilaian. Hasil akhir penilaian tersebut disampaikan of the assessment shall be submitted by the shareholders
oleh pemegang saham melalui forum RUPST. through the AGM.

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KOMITE DI BAWAH KOORDINASI

DEWAN KOMISARIS
COMMITTEES UNDER THE COORDINATION
OF THE BOARD OF COMMISSIONERS
Hingga akhir tahun 2014, Dewan Komisaris Perseroan dibantu Up to the end of 2014, bank bjb Board of Commissioners
oleh: were assisted by:
1. Komite Audit 1. Audit Committee
2. Komite Remunerasi dan Nominasi 2. Remuneration and Nomination Committee
3. Komite Pemantau Risiko 3. Risk Monitoring Committee
Komite Audit Audit Committee

Dalam rangka memenuhi Peraturan Bank Indonesia In order to meet the Bank Indonesia Regulation Number
Nomor 8/14/2006 tentang Perubahan atas Peraturan Bank 8/14/2006 on Amendments to Bank Indonesia Regulation
Indonesia No. 8/4/2006 tentang Pelaksanaan Good Corporate No. 8/4/2006 on the Implementation of Good Corporate
Governance bagi Bank Umum, maka Dewan Komisaris Governance for Banks, the Board of Commissioners has
telah membentuk Komite Audit. Komite Audit merupakan established an Audit Committee. Audit Committee of the Board
alat kelengkapan Dewan Komisaris yang berfungsi untuk PG $PNNJTTJPOFST BSF mUUJOHT XIPTF GVODUJPO JT UP DPOEVDU
melakukan pengawasan atas efektivitas sistem pengendalian oversight of the effectiveness of internal control systems,
intern, internal audit, proses pelaporan keuangan, sehingga BOE JOUFSOBM BVEJU mOBODJBM SFQPSUJOH QSPDFTT FOBCMJOH UIF
Bank dapat dikelola berdasarkan prinsip-prinsip transparansi, Bank to be managed based on the principles of transparency,
akuntabilitas, pertangungjawaban, independensi, dan accountability, responsibility, independence, and fairness.
kewajaran.
Pembentukan Komite Audit Perseroan juga berpedoman The establishment of the Audit Committee of bank bjb also
pada ketentuan sebagai berikut: refers to the following provisions:
a. Keputusan Menteri Negara Pendayagunaan Badan Usaha a. Decree of the State Minister of State Owned Enterprises
Milik Negara Nomor KEP-117/M-PBUMN/2002 tanggal 1 No. KEP-117/M-PBUMN/2002 dated August 1, 2002 on the
Agustus 2002 tentang Penerapan Praktik Good Corporate Implementation of Good Corporate Governance in State
Governance pada Badan Usaha Milik Negara. Owned Enterprises.
b. Surat Keputusan Ketua Bapepam Nomor Kep-41/PM/2003 b. Decree of the Chairman of Bapepam No. Kep-41/PM/2003
tanggal 22 Desember 2003 tentang Pembentukan dan dated December 22, 2003 on the Establishment and
Pedoman Pelaksanaan Kerja Komite Audit. Working Guidelines for Audit Committee.
c. Surat Keputusan Dewan Komisaris PT. Bank Jabar c. Decision Letter from the Board of Commissioners of
Nomor: 04A/SK/DK/2007 tanggal 28 Juni 2007 tentang PT Bank Jabar No.: 04A/SK/DK/2007 dated June 28,
Pembentukan Komite dan Pedoman Kerja Komite Dewan 2007 on the Establishment of Committee and Working
Komisaris PT Bank Jabar. Guidelines for the Board of Commissioners of PT Bank
d. Surat Keputusan Dewan Komisaris PT Bank Pembangunan Jabar.
Daerah Jawa Barat dan Banten, Tbk. Nomor: 06/SK/ d. Decision Letter from the Board of Commissioners of
DK/2012 tanggal 3 Oktober 2012 Tentang Perubahan PT Bank Pembangunan Daerah Jawa Barat and Banten,
Susunan Keanggotaan Komite pada Dewan Komisaris. Tbk. No: 06/SK/DK/2012 dated October 3, 2012 on the
e. Surat Keputusan Dewan Komisaris PT Bank Pembangunan Change of the Composition of the Board of Commissioners.
Daerah Jawa Barat dan Banten, Tbk. Nomor: 001/SK/ e. Decision Letter from the Board of Commissioners of
DK/2014 tanggal 22 Januari 2014 Tentang Pembagian PT Bank Pembangunan Daerah Jawa Barat and Banten,
Tugas dan Pelaksanaan Jadwal Kegiatan Dewan Tbk. No.: 001/SK/DK/2013 dated January 23, 2013 on the
Komisaris serta Komite-Komite. Division of Duty and the Implementation of the Schedule
of Activities for the Board of Commissioners and its
Committees.

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COMMITTEES UNDER THE COORDINATION OF THE BOARD OF COMMISSIONERS
Susunan Ketua dan Anggota Komite Audit The Composition of Audit Committee Chairman and
Member
Dalam periode 2014 susunan Komite Audit bank bjb adalah In the period 2014 bank bjb Audit Committee are as follows:
sebagai berikut:
No Jabatan Nama/Name Position
1. Ketua Klemi Subiyantoro (Independent Commissioner) Chairman
2. Anggota Achmad Baraba (Independent Commissioner) Member
3. Anggota Rudhyanto Mooduto (Independent Commissioner) Member
4. Anggota Ramson Sinaga (Independent) Member
5. Anggota Memed Sueb (Independent) Member
6. Anggota Suwarta (Independent) Member
.XDOLÀNDVL3HQGLGLNDQGDQ3HQJDODPDQ.HUMD 4XDOLÀFDWLRQV(GXFDWLRQDQG:RUN([SHULHQFH
Komite Audit Perseroan secara kolektif mempunyai kompetensi Audit Committee collectively has the competence and
dan pengalaman di bidang Akuntansi, Keuangan, Hukum dan FYQFSJFODF JO UIF mFME PG "DDPVOUJOH 'JOBODF -FHBM BOE
Perbankan. Banking.
Riwayat Hidup Singkat Anggota Komite Audit Curriculum Vitae of Audit Committee Members
Ramson Sinaga
Anggota Komite Audit
Member of Audit Committee
Warga Negara Indonesia, 55 tahun. Menyelesaikan pendidikan Indonesian citizen, 53 years. Earned a Sarjana degree in
Sarjana di bidang Ekonomi/Akuntansi dari Universitas Economics/Accounting from Universitas Padjadjaran Bandung
Padjadjaran Bandung pada tahun 1986 dan Magister in 1986 and a Master’s degree in Management from Sekolah
Management pada Sekolah Tinggi Ilmu Ekonomi IPWI pada Tinggi Ilmu Ekonomi IPWI in 1998. He served as a Member of
tahun 1998. Menjabat sebagai Anggota Komite Audit bank the Audit Committee of bank bjb since 2007. Other positions
bjb sejak tahun 2007. Jabatan lain yang pernah atau sedang that have or are held were Consultant at CIBA (2004-2009);
dipegang antara lain yaitu Konsultan CIBA (2004-2009); Finance Director of PT Reka Jaya in 2000.
Direktur Keuangan PT Reka Jaya pada tahun 2000.

Pendahuluan
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KOMITE DI BAWAH KOORDINASI DEWAN KOMISARIS
Memed Sueb
Warga Negara Indonesia, 52 tahun. Menyelesaikan pendidikan Indonesian citizen, 52 years. Earned A Sarjana degree in
Sarjana Ekonomi Jurusan Akuntansi di STIE Tridharma tahun Economic majoring in Accounting from STIE Tridharma and
1987 dan Universitas Padjadjaran tahun 1993, Magister Universitas Padjadjaran, Master’s degree and PhD from
dan Doktor pada Universitas Padjadjaran. Pernah menjabat Universitas Padjadjaran. Previously he served as an Auditor
sebagai supervisor di Kantor Akuntan Publik. Menjabat in Public Accounting Firm. He served as member of the
Komite Audit bank bjb periode 2007-2011 dan kembali Audit Committee of bank bjb in 2007-2011 and is appointed
menjadi Komite Audit bank bjb sejak Agustus 2012. Jabatan again to serve as a member of the Audit Committee of bank
lain yang pernah atau sedang dipegang antara lain Asisten bjb since August 2012. Other positions that he served
Direktur II Pasca Sarjana Universitas Padjadjaran (2009- include Assistant Director II Graduate School of Universitas
2011), Direktur Konsultan Manajemen PT Mediyan Consulindo Padjadjaran (2009-2011), Director of Management Consultant
Abadi Bandung 2005 sampai sekarang. PT Mediyan Consulindo Abadi, Bandung 2005 -present.
Suwarta
Warga Negara Indonesia, 43 tahun. Menyelesaikan Indonesian citizen, 43 years. Earned a Sarjana degree in
pendidikan Akuntansi di Sekolah Tinggi Akuntansi Negara, Accounting from Sekolah Tinggi Akuntansi Negara, Sarjana
Sarjana Akuntansi di Universitas Satya Negara, Sarjana degree in Accounting from Universitas Satya Negara, Sarjana
Hukum di Universitas Indonesia dan Magister dari Universitas degree and Master degree in Law from Universitas Indonesia.
Indonesia. Saat ini sedang menempuh Program Doktoral Previously he served as a member of Audit Committee of KSO
Manajemen Bisnis di Universitas Brawijaya. Pernah menjabat 4VDPmOEP4VSWFZPS*OEPOFTJBCFGPSFBQQPJOUJOHBTBNFNCFS
TFCBHBJ ,PNJUF "VEJU EJ ,40 4VDPmOEP4VSWFZPS *OEPOFTJB of bank bjb Audit Committee since August 2012. Other
sebelum menjabat Komite Audit bank bjb sejak Agustus positions that he served include: Partner at JMT Law House,
2012. Jabatan lain yang pernah atau sedang dipegang antara BDPOTVMUJOHmSN QSFTFOU
BOEBO"DDPVOUJOHBOE5BY
lain Partner pada Kantor Konsultan Hukum Bisnis JMT Law Lecturer at Sekolah Tinggi Akuntansi Negara (1997-present).
House (2009-sekarang) dan Dosen Akuntansi dan Pajak pada $VSSFOUMZIFIPMETBMFWFM73JTL.BOBHFNFOU$FSUJmDBUJPO
Sekolah Tinggi Akuntansi Negara (1997-sekarang). Saat ini ia
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Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
467
Periode Jabatan Anggota Komite Audit Work Tenure of the Members of the Audit Committee
Sesuai dengan Pedoman nomor 06/DK/2007 tentang In accordance with the Guidelines No 06/DK/2007 on the
Pedoman Dewan Komisaris, masa jabatan anggota komite Guidelines for the Board of Commissioners, the work tenure of
yang bukan merupakan anggota Dewan Komisaris, masa the committee members who are not members of the Board of
kerjanya ditentukan oleh Dewan Komisaris dengan tetap Commissioners is determined by the Board of Commissioners
mengacu kepada ketentuan GCG yang berlaku. with reference to the applicable provisions of corporate
governance.
Independensi Anggota Komite Audit Independence of the members of Audit Committee

Ketua dan anggota Komite Audit terdiri dari 3 (tiga) The Chairman and members of the Audit Committee consist
orang Komisaris Independen dan 3 (tiga) orang anggota of 3 (three) Independent Commissioners and 3 (three)
Independen. Nominasi untuk calon anggota Komite Audit Independent members. Nominations of the prospective
harus di-review oleh Komite Remunerasi dan Nominasi members of the Audit Committee should be reviewed by the
(KRN). Seperti telah ditetapkan oleh KRN, setiap anggota Remuneration and Nomination Committee (RNC). As has
LPNJUFIBSVTCFSTJGBUJOEFQFOEFO,VBMJmLBTJQFOVHBTBOEBO been established by the RNC, each member of the committee
fungsi dari Komite Audit harus tunduk kepada aturan yang TIPVMECFJOEFQFOEFOU2VBMJmDBUJPOTPGBTTJHONFOUBOEUIF
berlaku dari Bapepam-LK, Bursa Efek Indonesia serta Bank functions of the Audit Committee shall be subjected to the
Indonesia. Bahwa seluruh anggota Komite Audit bank bjb applicable rules of Bapepam-LK, Indonesia Stock Exchange
periode 2014 memiliki kedudukan yang independen terhadap and Bank Indonesia. All members of the Audit Committee
bank bjb dan tidak memiliki hubungan dengan sesama of bank bjb for the period 2014 shall be independent and
anggota Dewan Komisaris, dengan anggota Direksi, sesama should not have relations with fellow members of the Board
anggota Komite, maupun dengan Pemegang Saham Utama of Commissioners, members of the Board of Directors, fellow
dan/atau Pengendali members of the Committees, as well as the Major Shareholders
and/ or Controlling Shareholders.
Tugas dan Tanggung Jawab Komite Audit Duties and Responsibilities of the Audit Committee
Tugas komite audit adalah mendukung Dewan Komisaris The task of the audit committee is to support the Board of
sesuai dengan tanggung jawabnya. Commissioners in accordance with its responsibilities.
Tanggung jawab Komite Audit adalah: Responsibilities of the Audit Committee are:
1. Memastikan bahwa laporan keuangan Bank dapat &OTVSF UIBU UIF #BOLT mOBODJBM TUBUFNFOUT BSF
dimengerti, transparan, dan dapat diandalkan. understandable, transparent, and reliable.
2. Menilai pelaksanaan kegiatan serta hasil audit yang 2. Assess the implementation of activities and the results
dilaksanakan oleh Divisi Audit Internal maupun eksternal of audit conducted by the Internal Audit Division and
sehinga dapat mencegah pelaksanaan dan pelaporan externally so that it can prevent inappropriate executions
yang tidak memenuhi standar. and reporting.
3. Melakukan evaluasi kebijakan bank bjb yang berhubungan 3. Evaluate the Bank’s policies related to the compliance with
dengan kepatuhan terhadap peraturan perundang- UIFMFHJTMBUJPOTJOGPSDF FUIJDT DPOnJDUPGJOUFSFTU BOEFSSPST
undangan yang berlaku, etika, benturan kepentingan, and fraud investigations and make recommendations for
dan investigasi kesalahan maupun kecurangan dan the improvement of the Bank’s internal control system and
memberikan rekomendasi mengenai penyempurnaan its implementation by the Board of Commissioners.
sistem pengendalian intern Bank serta pelaksanaannya 4. Evaluate the work plan of the Internal Audit Division,
melalui Dewan Komisaris. SFQPSUJOH BOETJHOJmDBOUmOEJOHT
4. Melakukan evaluasi Rencana Kerja Divisi Audit Intern,
QFMBQPSBO EBOUFNVBOZBOHTJHOJmLBO

Pendahuluan
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5. Berkomunikasi dengan Direksi dan Satuan Kerja terkait 5. Communicate with the Board of Directors and related work
tentang status, kemajuan, dan perkembangan baru pada units on the status, progress, and new developments on
permasalahan operasional yang dijumpai serta temuan UIFPQFSBUJPOBMQSPCMFNTFODPVOUFSFEBOEUIFmOEJOHTPG
Divisi Audit Intern. the Internal Audit Division.
6. Memastikan bahwa Divisi Audit Internal dapat memiliki 6. Ensure that the Internal Audit Division has direct access to
akses langsung kepada Komite Audit dan dapat the Audit Committee and is able to communicate outside
berkomunikasi di luar rapat komite yang telah dijadwalkan. the scheduled committee meeting.
7. Menciptakan jalur komunikasi langsung dengan Auditor 7. Creating a direct line of communication with the External
Eksternal/Pengawas Bank untuk membahas rencana "VEJUPS#BOL4VQFSWJTPSUPEJTDVTTUIFBVEJUQMBO mOEJOHT
audit, temuan maupun laporan. and the report.
Komite Audit memiliki pedoman kerja yang dituangkan The guidelines for the Audit Committee is outlined in the
dalam pedoman kerja Komite yang telah disetujui oleh Committee’s work guidelines approved by the Board of
Dewan Komisaris. Sesuai dengan pedoman kerjanya, Komite Commissioners. In accordance with its work guidelines, the
Audit me-review laporan keuangan dan informasi keuangan "VEJU $PNNJUUFF SFWJFXT UIF mOBODJBM TUBUFNFOUT BOE PUIFS
lainnya untuk kepentingan para stakeholders, menelaah hasil mOBODJBMJOGPSNBUJPOGPSUIFJOUFSFTUTPGUIFTUBLFIPMEFST SFWJFXT
pencapaian, efektivitas, dan obyektivitas dari seluruh proses the results of achievement, effectiveness, and objectivity of
audit internal dan eksternal, mengevaluasi kebijakan Bank the whole process of internal and external audit, evaluate
yang berhubungan dengan kepatuhan terhadap peraturan the Bank’s policy related to the compliance with applicable
dan perundang-undangan yang berlaku, dan memberikan laws and regulations, and provide recommendations on the
rekomendasi penyempurnaan sistem pengendalian internal improvement of the Bank’s internal control system.
Bank.
Sehubungan dengan tugas dan tanggung jawab tersebut di In connection with the duties and responsibilities mentioned
atas, Komite Audit memiliki wewenang sebagai berikut: above, the Audit Committee has the following authorities:
1. Mendapatkan informasi, melalui Dewan Komisaris, 1. Obtain information through the Board of Commissioners on
mengenai operasional Bank, data karyawan, dana, aset the Bank’s operations, employee data, funds, assets and
serta sumber daya Bank lainnya yang berkaitan dengan other resources related to the performance of its duties.
pelaksanaan tugasnya. 2. Work closely with the Internal Audit Division.
2. Bekerja sama dengan Divisi Audit Intern. 3. Provide feedbacks to the Board of Commissioners
3. Memberi masukan kepada Dewan Komisaris mengenai regarding the purpose of the improvement in the internal
keperluan perbaikan dalam proses audit internal, BOE FYUFSOBM BVEJU QSPDFTT BOE UIF #BOLT mOBODJBM
eksternal, dan laporan keuangan Bank. statements.
4. Melakukan evaluasi deskripsi mengenai pengendalian 4. Evaluate the description of the internal control/ audit that
internal/audit yang akan dipublikasikan dalam laporan XJMMCFQVCMJTIFEJOUIFmOBODJBMTUBUFNFOUTBOEUIFSFQPSU
keuangan dan laporan pelaksanaan penerapan GCG. on the implementation of GCG.
5. Melakukan kajian atas independensi dan objektivitas 5. Review the independence and objectivity of the external
auditor eksternal serta merekomendasikan auditor auditor and recommend the external auditor to be selected
eksternal yang akan dipilih oleh Bank untuk mengaudit CZUIF#BOLUPBVEJUUIFmOBODJBMTUBUFNFOUTPGUIF#BOL
laporan keuangan Bank, unit bisnis maupun anak business units or subsidiaries.
perusahaan.
Secara garis besar, Komite Audit memberikan pendapat Broadly speaking, the Audit Committee provides independent
profesional yang independen kepada Dewan Komisaris professional opinion to the Board of Commissioners based on
berdasarkan hasil evaluasi dan semua risiko yang penting UIFSFTVMUTPGUIFFWBMVBUJPOBOEDPOTJEFSBUJPOPGBMMTJHOJmDBOU
EJQFSUJNCBOHLBO JEFOUJmLBTJ IBMIBM ZBOH NFNFSMVLBO SJTLT JEFOUJmFE NBUUFST SFMBUFE UP UIF mOBODJBM TUBUFNFOUT

Introduction
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Corporate Data
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perhatian khusus dalam bidang laporan keuangan dari requiring special attention of the Board of Directors and the
Direksi dan auditor eksternal, serta ketaatan pada peraturan external auditor, as well as adherence to the legislations and
perundang-undangan dan pelaksanaan manajemen risiko. implementation of risk management.
Laporan Kegiatan Komite Audit Report on the Activities of the Audit Committee
Komite Audit melaporkan kegiatannya kepada Dewan The Audit Committee reports its activities to the Board of
Komisaris, sebagai pertanggung jawaban atas pelaksanaan Commissioners, as the form of accountability in performing
tugas Komite Audit. Komite Audit telah melakukan tugasnya, its tasks. The Audit Committee has performed its tasks, both
baik yang bersifat rutin maupun yang non-rutin. routine and non-routine.
Komite Audit selama tahun 2014 telah melaksanakan tugas During 2014, the Audit Committee has performed its tasks
sesuai Piagam Komite Audit sebagai berikut: according to the Charter of the Audit Committee as follows:
1. Penelaahan atas informasi keuangan yang akan diterbitkan 3FWJFXFEUIFmOBODJBMJOGPSNBUJPOUPCFQVCMJTIFECZUIF
oleh Bank seperti laporan keuangan, proyeksi dan informasi #BOLOBNFMZUIFmOBODJBMTUBUFNFOUT QSPKFDUJPOTBOEPUIFS
keuangan lainnya. Komite Audit melakukan penelaahan mOBODJBM JOGPSNBUJPO 5IF "VEJU $PNNJUUFF DPOEVDUFE B
dan memberikan saran-saran penyempurnaan atas draft SFWJFXBOEQSPWJEFETVHHFTUJPOTPOUIFSFmOFNFOUPGUIF
mOBMMBQPSBOLFVBOHBOQVCMJLBTJUSJXVMBOBO,PNJUF"VEJU mOBMESBGUPGUIFRVBSUFSMZQVCMJTIFEmOBODJBMTUBUFNFOUT
juga telah secara aktif melakukan diskusi dengan akuntan The Audit Committee also actively conducted discussions
publik dan manajemen mengenai masalah-masalah yang with the public accountant and management on issues that
perlu didiskusikan sesuai Standar Audit Seksi 380 (PSA need to be discussed according to the Auditing Standards
No. 48) perihal komunikasi dengan Komite Audit. Section 380 (PSA No. 48) concerning communications
2. Evaluasi atas efektivitas pelaksanaan audit eksternal with the Audit Committee.
termasuk penelaahan independensi dan objektivitas 2. Evaluation of the effectiveness of the external audit
auditor eksternal serta penelaahan kecukupan included a review of the independence and objectivity
pemeriksaan yang dilakukan untuk memastikan semua of the external auditor and review of the adequacy of the
risiko yang penting telah dipertimbangkan. examinations carried out to ensure that all risks have been
3. Penelaahan atas ketaatan Bank terhadap perundang- adequately considered.
undangan perbankan. Pengujian dan pemantauan 3. Reviewed the Bank’s adherence to the banking legislations.
kepatuhan yang dilakukan oleh Bank telah diupayakan The Bank has strived to assess and monitor compliance
secara optimal. optimally.
4. Pemantauan dan evaluasi atas perencanaan dan 4. Monitored and evaluated the planning and audit as well
pelaksanaan audit serta pemantauan atas tindak lanjut as monitor the follow-up on the results of the audit in order
hasil audit dalam rangka menilai kecukupan proses UPBTTFTTUIFBEFRVBDZPGUIFmOBODJBMSFQPSUJOHQSPDFTT
pelaporan keuangan. Selama tahun 2014, Komite Audit During 2014, the Audit Committee has conducted
telah melakukan pemantauan dan evaluasi terhadap: monitoring and evaluation of:
a. Pelaksanaan tugas Divisi Audit internal (DAI). Dari a. Implementation of the tasks of the Internal Audit
hasil evaluasi dapat disimpulkan bahwa perencanaan Division (IAD). From the results of the evaluation, it can
DAI telah dilaksanakan sesuai dengan perencanaan be concluded that IAD planning was implemented in
audit berbasis risiko, pelaksanaan audit dan pelaporan accordance with a risk-based audit planning, and the
telah dilakukan sesuai dengan Standar Pelaksanaan audit and reporting were carried out according to the
Fungsi Audit Intern Bank (SPFAIB). Internal Audit Function Implementation Standards.
b. Kesesuaian pelaksanaan audit oleh kantor akuntan C $POGPSNJUZ PG UIF BVEJU CZ B QVCMJD BDDPVOUJOH mSN
publik dengan standar yang berlaku. Dari hasil with the applicable standards. From the results of the
pemantauan dan evaluasi Komite Audit, kantor monitoring and evaluation of the Audit Committee,
akuntan publik telah melaksanakan sesuai dengan UIFQVCMJDBDDPVOUJOHmSNIBTQFSGPSNFEUIFBVEJUJO
Standar Auditing yang ditetapkan Institut Akuntan BDDPSEBODFXJUI"VEJUJOH4UBOEBSETTQFDJmFECZUIF
Publik Indonesia. *OEPOFTJBO*OTUJUVUFPG$FSUJmFE1VCMJD"DDPVOUBOUT

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c. Kesesuaian laporan keuangan dengan standar yang D 5IF TVJUBCJMJUZ PG UIF mOBODJBM TUBUFNFOUT XJUI UIF
berlaku termasuk tentang penerapan PSAK No. 50 applicable standards, including on the application of
dan No. 55. SFAS No. 50 and No. 55.
d. Pelaksanaan tindak lanjut oleh Direksi atas hasil d. Implementation of the follow-up conducted by the
temuan DAI, akuntan publik dan hasil pengawasan #PBSE PG %JSFDUPST PO UIF mOEJOHT PG *"% QVCMJD
Bank Indonesia. Selama tahun 2014 Komite Audit accountant and Bank Indonesia. During 2014, the
melakukan pertemuan-pertemuan dengan DAI dalam Audit Committee held meetings with the IAD in order
rangka membahas temuan dan tindak lanjut temuan UP EJTDVTT UIF mOEJOHT BOE GPMMPXVQ PG UIF mOEJOHT
DAI. Komite Audit juga menjaga jalur komunikasi of IAD. The Audit Committee also maintained direct
langsung dengan DAI, baik yang terjadwal dalam communication with IAD, both scheduled regular
rapat rutin maupun dil uar jadwal rapat. meetings and meetings outside the schedule.
e. Pemberian rekomendasi mengenai penunjukan kantor e. Provision of the recommendations on the appointment
akuntan publik kepada Dewan Komisaris. Untuk tahun PG B QVCMJD BDDPVOUJOH mSN UP UIF #PBSE PG
buku 2014, Tim Pemilihan Kantor Akuntan Publik $PNNJTTJPOFST 'PS UIF mTDBM ZFBS UIF UFBN
yang terdiri dari Komite Audit dan unsur manajemen that selects the Public Accounting Firm which consists
telah melakukan proses pemilihan Kantor akuntan of the Audit Committee and management elements
publik untuk melakukan audit atas Laporan Keuangan IBTTFMFDUFEBQVCMJDBDDPVOUJOHmSNUPDPOEVDUUIF
Konsolidasi bank bjb. Tim telah mengusulkan dan BVEJUPGUIF#BOLTDPOTPMJEBUFEmOBODJBMTUBUFNFOUT
Dewan Komisaris telah menetapkan Kantor Akuntan Based on the recommendation of the team, the Board
Publik Ernst and Young sebagai Auditor Independen. of Commissioners determined the public accounting
mSN&SOTU:PVOHBTUIF*OEFQFOEFOU"VEJUPS
Komite Audit juga melakukan beberapa tugas lain yang The Audit Committee also performs several other duties
diberikan oleh Dewan Komisaris, diantaranya memberikan assigned by the Board of Commissioners, including
masukan terhadap pembahasan Rencana Bisnis Bank. providing inputs to the discussion of the Bank’s Business
Plan.
Frekuensi Pertemuan/Rapat dan Tingkat Kehadiran Frequency of Meetings and the Level of Attendance of
Anggota Komite Audit the Members of Audit Committee
Selama tahun 2014, Komite Audit telah menyelenggarakan During 2014, the Audit Committee held18 meetings. The
pertemuan sebanyak 18 kali. Berikut informasi tingkat following describes the level of attendance of the members of
kehadiran Anggota Komite Audit dalam Rapat di tahun 2014: Audit Committee in the meetings held in 2014:
Tabel Kehadiran Rapat Komite Audit

Table of Audit Committee Meetings Attendance
Periode Januari-Desember 2014 | January-December 2014 period

Jumlah Kehadiran/
Nama Jabatan/ Total Attendance Persentase/
Name Position Percentage
Periode 2014 Period
Klemi Subiantoro Ketua/Chairman 13 72,22%
Achmad Baraba Anggota/Member 5 27,78%
Rudhyanto Mooduto Anggota/Member 7 38,89%
Ramson Sinaga Anggota/Member 16 88,89%
Memed Sueb Anggota/Member 18 100%
Suwarta Anggota/Member 11 61,11%

Introduction
Management Report
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Corporate Data
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Agenda Rapat Komite Audit

Audit Committee Meetings Agenda

Agenda Agenda
Date of Meeting
8 Januari 2014 1. Finalisasi Laporan Komite Audit 1. Finalization of the Audit Committee Report
January 8, 2014 2. Lain-lain 2. Other
5 Februari 2014 1. Program Kerja Divisi Audit 2015 1. Audit Division 2015 Work Programme
February 5, 2014 2. Lain-lain 2. Other
12 Februari 2014 1. Rapat Rutin Komite Audit 1. Routine Meeting of the Audit Committee
1. Pembahasan Reksadana dan Transaksi Surat 1. Discussion of Mutual Funds and Securities
19 Februari 2014
Berharga Transactions
February 19, 2014
2. Lain-lain 2. Other
1. Rapat Koordinasi Dengan Divisi Audit Internal 1. Coordination Meeting of the Internal Audit Division
19 Maret 2014
Membahas Kenaikan NPL Discussing the Increase in NPL
March 19, 2014
21 Mei 2014 1. Rapat Rutin Dengan Divisi Audit Internal 1. Routine Meeting With Internal Audit Division
May 21, 2014 2. Lain-lain 2. Other
1. Tindak lanjut Komitmen ke Otoritas Jasa Keuangan 1. Follow-up on Commitment to Financial Services
10 Juli 2014
(OJK) Authority (FSA)
July 10, 2014
1. Tindak lanjut Komitmen ke Otoritas Jasa Keuangan 1. Follow-up on Commitment to Financial Services
14 Agustus 2014 (OJK) Authority (FSA)
August 14, 2014 2. Hasil Pemeriksaan Khusus 2. Results of Special Investigation
1. Program Kerja Komite Audit Tahun 2015 1. The Audit Committee 2015 Work Program
30 Desember 2014
2. Laporan Komite Audit Akhir Tahun 2015 2. The Audit Committee Report End of 2015
December 30, 2014
Remunerasi Anggota Komite Audit Remuneration for the members of the Audit Committee
Sistem Remunerasi Komite Audit didasarkan pada hasil The Remuneration Sytem for the Audit Committee is based
rekomendasi Komite Remunerasi dan Nominasi yang on the recommendation of the Remuneration and Nomination
ditetapkan dalam Rapat Dewan Komisaris. Setiap anggota Committee set out in the Board of Commissioners’ meeting.
Komite yang diangkat memiliki perjanjian kerja sama masing- Each member of the Committee who is appointed posses his/
masing. her own cooperation agreement.
Komite Remunerasi dan Nominasi Remuneration and Nomination Committee

Komite Remunerasi dan Nominasi Perseroan dibentuk The Remuneration and Nomination Committee of the Company
berdasarkan: was formed based on:
a. Peraturan Bank Indonesia nomor 8/4/PBI/2006 tanggal 30 a. Bank Indonesia Regulation No. 8/4/PBI/2006 dated
Januari 2006 tentang Good Corporate Governance. January 30, 2006 on Good Corporate Governance;
b. Peraturan Bank Indonesia nomor 8/14/PBI/2006 tanggal b. Bank Indonesia Regulation No. 8/14/PBI/2006 dated
5 Oktober 2006 tentang Perubahan atas Peraturan Bank October 5, 2006 on the Amendment to Bank Indonesia
Indonesia nomor 8/4/PBI/2006 tentang Good Corporate Regulation No. 8/4/PBI/2006 on good corporate
Governance. governance;
c. Surat Edaran Bank Indonesia nomor 9/12/DPNP tanggal c. Bank Indonesia Circular Letter No. 9/12/DPNP dated
30 Mei 2007 tentang Pelaksanaan Good Corporate May 30, 2007 on the Implementation of Good Corporate
Governance bagi Bank Umum. Governance for Commercial Banks;
d. Surat Keputusan Dewan Komisaris PT Bank Pembangunan d. Decree of the Board of Commissioners of PT Bank
Daerah Jawa Barat dan Banten, Tbk. nomor 001/SK/ Pembangunan Daerah Jawa Barat dan Banten, Tbk No.

Pendahuluan
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DK/2014 tanggal 22 Januari 2014 Tentang Pembagian 001/SK/DK/2014 dated January 22, 2014 on the Division
Tugas dan pelaksanaan Jadwal Kegiatan Dewan of Tasks and the Activities of the Board of Commissioners
Komisaris serta Komite-komite. and the Committees
e. Surat Keputusan Dewan Komisaris PT Bank Pembangunan e. Decree of the Board of Commissioners of PT Bank
Daerah Jawa Barat dan Banten, Tbk. nomor 07/SK/ Pembangunan Daerah Jawa Barat dan Banten, Tbk No.
DK/2014 tanggal 5 November 2014 Tentang Pedoman 07/SK/DK/2014 dated November 5, 2014 on the Work
dan Tata Tertib Kerja Komite Remunerasi dan Nominasi. Guidelines and Rules of the Remuneration and Nomination
Committee.
Susunan Ketua dan Anggota Komite Remunerasi dan The composition of the Chairman and Members of the
Nominasi Remuneration and Nomination Committee
Berdasarkan Surat Keputusan Dewan Komisaris PT Bank Based on the Decree of the Board of Commissioners of
Pembangunan Daerah Jawa Barat dan Banten, Tbk. nomor PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk
01/SK/DK/2014 tanggal 22 Januari 2014 Tentang Pembagian No. 01/SK/DK/2014 dated January 22, 2014 on the Division of
Tugas dan Pelaksanaan Jadwal Kegiatan Dewan Komisaris Tasks and the Activities of the Board of Commissioners and
serta komite-komite. the Committees.
Dalam periode 2014 susunan Komite Remunerasi dan In 2014 the composition of the Remuneration and Nomination
Nominasi Perseroan adalah sebagai berikut: Committee of the Company was as follows:
1. Ketua Yayat Sutaryat (Komisaris Independen/Independent Commissioner) Chairman
2. Anggota Muhadi (Komisaris/Commissioner) Member
3. Anggota Klemi Subiyantoro (Komisaris Independen/Independent Commissioner) Member
4. Anggota Rudhyanto Mooduto (Komisaris Independen/Independent Commissioner) Member
5. Anggota 1FNJNQJO%JWJTJ4%. &Y0GmDJP
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Member
Riwayat Hidup Singkat Anggota Komite Remunerasi Curriculum Vitae of Non-Commissioner Members of
dan Nominasi Khusus bagi anggota diluar Komisaris the Remuneration and Nomination Committee
Neneng Hayati
Pemimpin Divisi SDM
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Nama : Neneng Hayati Name : Neneng Hayati

Jabatan : Pemimpin Divisi SDM Position : Head of Human Resources
Karir di Perseroan : Bekerja di Perseroan sejak 1991 Division
Career in the Company : Joint with the Company Since
1991

Introduction
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Pendidikan : S1 STIE INABA Bandung Tahun 2003 Education : S1 STIE INABA Bandung Tahun
Dasar Hukum 2003
Penunjukkan : SK Direksi bank bjb No. 0544/ Legal Based on : SK Directors bank bjb No.0544/
SK/DIR-SDM/2012 tanggal SK/DIR-HR / 2012 dated
21 September 2012 21 September 2012
Pelatihan /sertifkasi : - Refreshment Manajemen Risiko 5SBJOJOH4FSUUJmDBUJPO 3FGSFTINFOU.BOBKFNFO3JTJLP
- Workshop Generation Y - Workshop Generation Y
in The Workplace in The Workplace
Periode Jabatan Anggota Komite Remunerasi dan Work Tenure of the Members of the Remuneration and
Nominasi Nomination Committee
Sesuai dengan Pedoman nomor 06/DK/2007 tentang In accordance with the Work Guidelines No. 06/DK/2007 on
Pedoman Dewan Komisaris, masa jabatan anggota komite the Guidelines for the Board of Commissioners, the tenure of
yang bukan merupakan anggota Dewan Komisaris, masa the committee members who are not members of the Board of
kerjanya ditentukan oleh Dewan Komisaris dengan tetap Commissioners is determined by the Board of Commissioners
mengacu kepada ketentuan GCG yang berlaku. with reference to the applicable provisions of corporate
governance.
Independensi Komite Remunerasi dan Nominasi Independence of the Remuneration and Nomination
Committee
Anggota Komite Remunerasi dan Nominasi sebanyak 5 (lima) The Remuneration and Nomination Committee consists of 5
orang terdiri dari 3 (tiga) orang Komisaris Independen, 1 mWF
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(dua) orang komisaris, 1 (satu) orang pejabat FYPGmDJP dari POF
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FY PGmDJP PGmDFS PG UIF )FBE PG
Pemimpin Divisi SDM. Seluruh Anggota Komite Remunerasi HR Division. All Members of the Remuneration and Nomination
dan Nominasi tidak memiliki hubungan dengan anggota Committee shall not have relationships with members of the
Dewan Komisaris, dengan anggota Direksi, dengan sesama Board of Commissioners, members of the Board of Directors,
anggota Komite maupun dengan Pemegang Saham Utama with fellow members of the Committee and with the Major and/
dan/atau Pengendali. or Controlling Shareholders.
Tugas dan Tanggung Jawab Komite Remunerasi dan Duties and Responsibilities of the Remuneration and
Nominasi Nomination Committee
Sesuai dengan Surat Keputusan Dewan Komisaris nomor 7/ In accordance with the Decree of the Board of Commissioners
SK/DK/2014 tanggal 5 November 2015 tentang Pedoman dan No. 7/SK/DK/ 2014 dated November 5, 2015 on the work
tata Tertib Kerja Komite Remunerasi dan Nominasi, tugas dan guidelines and rules of the Remuneration and Nomination
tanggung jawab KRN adalah: Committee, the duties and responsibilities are:
a. Terkait dengan Remunerasi: a. Related to Remuneration:
1. Mengevaluasi kebijakan remunerasi yang berlaku 1. Evaluate the remuneration policy applicable to the
pada Bank Bank
2. Mempelajari ketentuan dan peraturan perundang- 2. Understand the applicable rules and regulations
undangan yang berlaku dalam kebijakan remunerasi, on the remuneration policy and the determination of
penetapan fasilitas dan tunjangan lainnya. GBDJMJUJFTBOEPUIFSCFOFmUT
3. Memberikan rekomendasi kepada Dewan Komisaris 3. Provide recommendations to the Board of
mengenai: Commissioners on:
a. Kebijakan remunerasi berupa gaji, fasilitas dan a. The policy on remuneration in the form of salaries,
tunjangan lainnya bagi Dewan Komisaris dan GBDJMJUJFT BOE PUIFS CFOFmUT GPS UIF #PBSE PG
Direksi untuk disampaikan kepada RUPS. Commissioners and Board of Directors to be
submitted to the GMS.

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b. Kebijakan remunerasi bagi pejabat eksekutif dan C 5IF SFNVOFSBUJPO QPMJDZ GPS FYFDVUJWF PGmDFST
pegawai secara keseluruhan untuk disampaikan and employees to be submitted to the Board of
kepada Direksi melalui Dewan Komisaris. Directors through the Board of Commissioners.
4. Rekomendasi sebagaimana dimaksud dalam angka 3 4. Recommendations referred in item 3 are submitted
disampaikan dengan memperhatikan: with the following considersation:
a. kinerja keuangan dan pemenuhan cadangan B mOBODJBM QFSGPSNBODF BOE SFTFSWFT BT TUJQVMBUFE
sebagaimana diatur dalam peraturan perundang- in the legislations in force;
undangan yang berlaku; b. individual work performance;
b. prestasi kerja individual; c. reasonableness of the peer group;
c. kewajaran dengan peer group; d. Consideration of the long-term goals and strategies
d. pertimbangan sasaran dan strategi jangka panjang of the Bank.
Bank. 5. Provide recommendations to the Board of
5. Memberikan rekomendasi kepada Dewan Komisaris Commissioners on human resource policies to be
atas kebijakan sumber daya manusia Bank untuk submitted to the Board of Directors of the Bank.
disampaikan kepada Direksi. b. Related to Nomination
b. Terkait Nominasi 1. Develop and provide recommendations on the system
1. Menyusun dan memberikan rekomendasi mengenai and procedures of selection and/ or replacement of the
sistem dan prosedur pemilihan dan/atau penggantian members of the Board to the Board of Commissioners
anggota Pengurus kepada Dewan Komisaris untuk to be submitted to the GMS.
disampaikan kepada RUPS. 2. Provide recommendations on the names of the
2. Memberikan rekomendasi nama-nama calon anggota candidates to the Board of Commissioners to be
Pengurus kepada Dewan Komisaris untuk disampaikan submitted to the AGM after going through the
kepada RUPS setelah melalui proses asesmen. assessment process.
3. Memberikan rekomendasi mengenai Pihak Independen 3. Provide recommendations on the independent party
yang akan menjadi calon anggota Komite Audit dan who will be member of the Audit Committee and Risk
Komite Pemantau Risiko kepada Dewan Komisaris. Monitoring Committee to the Board of Commissioners.
Laporan Pelaksanaan Kegiatan Komite Remunerasi Report on the Activities of the Remuneration and
dan Nominasi Nomination Committee
Dalam rapat sepanjang tahun 2014, Komite Remunerasi dan In the meetings conducted throughout 2014, the Remuneration
Nominasi telah melakukan pembahasan terhadap hal-hal and Nomination Committee held discussions on the following
sebagai berikut: matters:
1. Terkait dengan kebijakan remunerasi 1. Related to the remuneration policy
- Melakukan evaluasi terhadap kebijakan remunerasi: - Evaluate the remuneration policy:
• Dokumentasi ketentuan dan peraturan perundang • Documentation of the rules and laws, company
- undangan, kebijakan perusahaan yang berlaku policies applicable to the remuneration policy, the
dalam kebijakan remunerasi, penetapan fasilitas FTUBCMJTINFOUPGGBDJMJUJFTBOEPUIFSCFOFmUT
dan tunjangan lainnya. • Monitor the remuneration system in force in the
• Melakukan pemantauan sistem remunerasi yang state-owned and regional-owned banks market /
sedang berlaku di pasar Bank BUMN/BUMD, Bank enterprises, national and foreign private banks.
Swasta Nasional maupun asing. - Conduct discussions on the remuneration policies
- Melakukan pembahasan terhadap kebijakan currently applicable in the Company.
remunerasi yang sedang berjalan di Perseroan. • Remuneration for the Management:
• Remunerasi Pengurus: Discuss the remuneration policy for the management
Membahas kebijakan remunerasi pengurus yang currently applicable in the Bank and provide
sedang berjalan di Bank dan merekomendasikan recommendations to the Board of Commissioners.
kepada Dewan Komisaris.

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• Remunerasi Pegawai: • Remuneration for the Employees:

Evaluasi kebijakan remunerasi bagi pejabat Evaluate the remuneration policy for executive
eksekutif dan pegawai secara keseluruhan. PGmDFSTBOEUIFFNQMPZFFT
2. Terkait dengan kebijakan nominasi: 2. Related to the nominations policy:
- Pembahasan mengenai pedoman/sistem serta ¦ %JTDVTT UIF HVJEFMJOFT TZTUFN BOE TFMFDUJPO BOE PS
prosedur pemilihan dan atau penggantian Pengurus. replacement procedures of the Management.
- Membahas penjaringan serta rekomendasi calon ¦ %JTDVTTUIFTFMFDUJPOBOESFDPNNFOEBUJPOTSFMBUFEUP
anggota Pengurus. prospective members of the Management.
- Membahas rekomendasi anggota komite dari pihak ¦ %JTDVTTUIFSFDPNNFOEBUJPOTPGUIFNFNCFSTPGUIF
independen. committee from the independent party.
• Membahas rekomendasi anggota komite dari • Discuss the recommendations of the members of
pihak independen. the committee from the independent party.
• Pembahasan nominasi anggota komite. • Discuss the nomination of committee members.
3. Terkait dengan Pedoman dan Tata Tertib kerja dan 3. Related to the Work Guidelines and Rules as well as the
laporan. reports.
- Pedoman Kerja. - Guidelines for Employment.
- Program Kerja. - Work Program.
- Laporan Kegiatan. - Activity Report.
4. Kegiatan Lainnya yang masih dalam ruang lingkup KRN. 4. Other activities within the scope of the NRC.
Frekuensi Pertemuan/Rapat dan Tingkat Kehadiran Frequency of Meetings and the level of Attendance
Anggota Komite Remunerasi dan Nominasi of the Members of the Remuneration and Nomination
Selama tahun 2014, Komite Remunerasi dan Nominasi telah Committee
menyelenggarakan pertemuan sebanyak 34 kali. Berikut During 2014, the Remuneration and Nomination Committee
informasi tingkat kehadiran Anggota Komite Remunerasi dan held 34 meetings. The following describes the attendance
Nominasi dalam rapat di tahun 2014: rate of the members of the Remuneration and Nomination
Committee in the meetings held in 2014:
Tabel Kehadiran Rapat Komite Remunerasi dan Nominasi
Table of Remuneration and Nomination Committee Meetings Attendance
Jumlah Kehadiran
Nama Total Attendance Presentase
Name Presentage
Periode 2014 | Period
Yayat Sutaryat 32 94,12%
Muhadi 12 35,29%
Klemi Subiantoro 15 44,12%
Rudhyanto Mooduto 28 82,35%
Neneng Hayati 24 70,59%

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Agenda Rapat Komite Remunerasi dan Nominasi

Remuneration and Nomination Committee Meetings Agenda

Agenda Agenda
Date of Meeting
8 Januari 2014 1. Pembahasan Surat Divisi Corporate Secretary 1. Discussion on the Division of Corporate Secretary
January 8, 2014 Nomor 3996/CS-SEKR/2013 tanggal 30 Desember Letter No. 3996/CS-SEKR/2013 dated December 30,
2013 perihal Laporan Remunerasi bagi Anggota 2013 concerning The Report on the Remuneration
Direksi dan Dewan Komisaris. for members of the Board of Directors and Board of
2. Pembahasan Surat Divisi Corporate Secretary Commissioners.
Nomor 08/CS-SEKR/2014 tanggal 02 Januari 2014 2. Discussion on the Division of Corporate Secretary
perihal Permohonan Rekomendasi. Letter No. 08/CS-SEKR/2014 dated January 2, 2014
3. Lain-lain. concerning the Application Recommendation.
3. Other.
16 Januari 2014 1. Finalisasi Laporan Realisasi Program Kerja Komite 1. Finalizing the Report on the Realization of
January 16, 2014 Remunerasi dan Nominasi Tahun 2013. Remuneration and Nomination Committee Work
2. Pembahasan Surat Kantor Hukum Natadikusumah Program in 2013.
& Partners Nomor 09/BMA-NKH/14 tanggal 08 2. Discussing the Letter from Natadikusumah &
Januari 2014 Perihal Pemberitahuan status Hukum 1BSUOFST-BX0GmDF/P#."/,)EBUFE
Sdr. Bambang Mulyo Atmodjo dalam Perkara Tata January 8, 2014 Regarding the Notice of Legal
Usaha Negara terhadap Keputusan Gubernur Bank Status of Mr. Bambang Mulyo Atmodjo in the Case
Indonesia Nomor 13/122/GBI/DPIP/Rahasia, tanggal of State Administration against the Decreee from the
24 November 2011. Governor of Bank Indonesia Number 13/122/GBI/
3. Pembahasan Surat Sdr. Memed Sueb (Anggota DPIP/Rahasia, November 24, 2011.
Komite Audit) Tanggal 2 Januari 2014. 3. Discussing Letter from Mr. Memed Sueb (Audit
4. Lain-lain. Committee Member) dated January 2, 2014.
4. Others.
29 Januari 2014 1. Pembahasan Surat-surat Masuk dari Pemegang 1. Discussing Letters from shareholders to be included
January 29, 2014 saham untuk menjadi bahan laporan ke Dewan in the report of the Board of Commissioners.
Komisaris. 2. Other.
2. Lain-lain.
5 Februari 2014 1. Laporan dan Evaluasi Kegiatan KRN bulan Januari 1. Report and Evaluation on KRN activities in January
February 5, 2014 2014. 2014.
2. Assessment administrasi oleh KRN terhadap calon 2. Assessment on the administration of KRN against
pengurus yang diusulkan oleh pemegang saham. board candidates proposed by shareholders.
3. Update data time schedule pengisian pengurus. 6QEBUFEBUBUJNFTDIFEVMFGPSmMMJOHJOUIF.BOBHFS
4. Lain-lain. 4. Others.
18 Februari 2014 1. Evaluasi kebijakan Remunerasi Pengurus bank bjb. 1. Evaluation on the Board Remuneration policy of bank
February 18, 2014 2. Lain-lain. bjb.
2. Other.
26 Februari 2014 1. Evaluasi Kebijakan Gaji Pegawai bank bjb 1. Evaluation of Employee Salary Policy of bank bjb
27 Februari 2014 1. Pembahasan surat OJK Nomor S-44/KR.212/2014 1. Discussion on the FSA letter No. S-44/KR.212/2014
February 27, 2014 tanggal 26 Februari 2014 Perihal undangan. dated February 26, 2014 regarding the invitation.
4 Maret 2014 1. Evaluasi dan menyusun laporan kegiatan komite 1. Evaluate and prepare the report of activities of
March 4, 2014 Remunerasi dan Nominasi bulan Februari 2014. the Remuneration and Nomination Committee in
2. Pembahasan laporan hasil evaluasi kebijakan February 2014.
remunerasi pengurus dan pegawai. 2. Discussion on the report on the evaluation on the
3. Pembahasan laporan hasil rapat dengan OJK board and employee remuneration policy.
Bandung tanggal 28 Februari 2014. 3. Discussion on the report of the meeting with FSA
4. Lain-lain. Bandung on February 28, 2014.
4. Others.
18 Maret 2014 1. Pembahasan surat OJK nomor SR-1/PB.1/2014 1. Discussion of the FSA letter number SR-1/PB.1/2014
March 18, 2014 tanggal 6 Maret 2014 dated March 6, 2014
2. Lain-lainnya. 2. Others.
24 Maret 2014 1. Tindaklanjut Notulen rapat Dewan Komisaris 1. Follow up minutes of meeting of the Board
March 24, 2014 tanggal 7 Maret 2014 dengan Agenda Pembahasan of Commissioners on March 7, 2014 with the
Laporan KRN kepada Dewan Komisaris mengenai Agenda Discussing KRN report to the Board of
Remunerasi Pengurus dan Pegawai. Commissioners on the Board Remuneration and
2. Lain-lain. Employee.
2. Other.

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Agenda Agenda
Date of Meeting
2 April 2014 1. Tindak lanjut Hasil Pembahasan Remunerasi Pejabat 1. Follow-up on Results of the Discussion on
April 2, 2014 Eksekutif dan Pegawai bank bjb. 3FNVOFSBUJPOGPSUIF&YFDVUJWF0GmDJBMTBOE
2. Lain-lain. Employees of bank bjb.
2. Others.
10 April 2014 1. Evaluasi kegiatan Komite Remunerasi dan Nominasi 1. Evaluation on the activities of the Remuneration and
April 10, 2014 Bulan Maret 2014. Nomination Committee in March, 2014.
2. Laporan evaluasi kegiatan Komite Remunerasi dan 2. The evaluation on the report of the activities of the
Nominasi Triwulan I tahun 2014. Remuneration and Nomination Committee in the First
3. Lain-lain. Quarter 2014.
3. Other.
15 April 2014 Pembahasan Kekurangan berkas pengajuanmUBOE %JTDVTTJPOPOUIFMBDLPGmMFTTVCNJUUFEGPSmUBOE
April 15, 2014 proper test calon pengurus bank bjb. proper test of the candidates of bank bjbPGmDJBMT
16 April 2014 1. Pembahasan hasil rapat antaran OJK dan bank bjb 1. Discussion on the results of the meeting between
April 16, 2014 yang dihadiri oleh salah satu anggota KRN. FSA and bank bjb attended by one member of the
2. Lain-lain. NPC.
2. Other.
2 Mei 2014 1. Pembahasan Pedoman Calon Pengurus. 1. Discussion on the Guidelines for Candidate
May 2, 2014 2. Lain-lain. Manager.
2. Other.
7 Mei 2014 1. Pembahasan hasil rapat dengan OJK tanggal 07 Mei 1. Discussion on the results of the meeting with the FSA
May 7, 2014 2014. on May 7, 2014.
2. Lain-lain. 2. Other.
14 Mei 2014 1. Evaluasi dan Laporan Kegiatan KRN bulan April 1. Evaluation and KRN Activity Report in April 2014.
May 14, 2014 2014. 2. Discussion on changes / improvements of the
2. Pembahasan Perubahan/penyempurnaan Pedoman Guidelines for Candidate Manager.
Calon Pengurus. 3. Other.
3. Lain-lainnya.
20 Mei 2014 1. Pembahasan perubahan/penyempurnaan Pedoman 1. Discussion of changes/improvements Charging
May 20, 2014 Pengisian Calon Pengurus. Guidelines for Candidate Manager.
3 Juni 2014 1. Pembahasan perubahan/penyempurnaan Pedoman 1. Discussion on changes/improvements of Guidelines
June 3, 2014 Pengisian Calon Pengurus. for Candidate Manager.
16 Juni 2014 1. Evaluasi Kegiatan Komite Remunerasi dan Nominasi 1. Evaluation on the activities of the Remuneration and
June 16, 2014 bulan Mei 2014. Nomination Committee in May 2014.
24 Juni 2014 1. Pembahasan surat OJK nomor SR-4/PB.1/2014 1. Discussion on the FSA letter number SR-4/PB.1/2014
June 24, 2014 2. Lain-lain. 2. Other.
30 Juni 2014 1. Persiapan RUPS LB bank bjb tahun 2014. 1. Preparation of EO-GMS of bank bjb 2014.
June 30, 2014 2. Lain-lainnya. 2. Other.
2 Juli 2014 1. Pembahasan penjadwalan dan pengisian calon %JTDVTTJPOPGTDIFEVMJOHBOEmMMJOHPGDBOEJEBUF
July 2, 2014 pengurus. managers.
3 Juli 2014 1. Pembahasan perubahan dan penyempurnaan 1. Discussion on the changes and improvements of
July 3, 2014 pedoman pengisian calon pengurus. guidelines for board candidates.
2. Lain-lainnya. 2. The others.
14 Juli 2014 1. Evaluasi kegiatan KOmite Remunerasi dan Nominasi 1. Evaluation on the activities of the Remuneration and
July 14, 2014 Bulan Juni 2014. Nomination Committee in June, 2014.
2. Laporan Evaluasi Kegiatan Komite Remunerasi dan 2. Evaluation on the Activity Report of the Remuneration
Nominasi Triwulan II tahun 2014. and Nomination Committee in the second quarter of
3. Lain-lain. 2014.
3. Other more.

Pendahuluan
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Agenda Agenda
Date of Meeting
5 Agustus 2014 1. Persiapan Pelaporan Pedoman Pengisian Pengurus 1. Preparation of the Reporting the Guidelines for Filling
August 5, 2014 sesuai dengan SK Dewan Komisaris Nomor 005/ the Management in accordance with the Decree of
SK/DK/2-14 tanggal 10 Juli 2014 Tentang Pedoman the BOC No. 005/SK/DK/2-14 dated July 10, 2014 on
Penerimaan Calon Pengurus Guidelines for Acceptance of Candidate Manager
2. Revisi Penjadwalan 2. Revised Scheduling
3. Proses Assesment dan Hasil Sementara dari calon 3. Assessment on the Process and Temporary Results
yang telah masuk. from the candidates.
14 Agustus 2014 1. Seleksi administrasi Berkas Calon DIreksi Oleh KRN. 4FMFDUJPOPOUIFBENJOJTUSBUJPOPGUIFmMFTPGUIF
August 14, 2014 2. Lain-Lain. Candidates for Directors by KRN.
2. Other.
26 Agustus 2014 1. Assessment Calon Komisaris oleh KRN. 1. Assessment on the Candidate Commissioners By KRN.
August 26, 2014 2. Lain-lain. 2. Other.
28 Agustus 2014 1. Pembahasan hasil assessment calon Direksi 1. Discussion of Candidates for the Board of Directors
August 28, 2014 bank bjb untuk disampaikan pada rapat Dewan of banks bjb assessment to be submitted to the
Komisaris. meeting of the Board of Commissioners.
7 Oktober 2014 1. Pembahasan surat OJK perihal penerapan GCG. 1. Discussion on the FSA letter regarding the
October 7, 2014 2. Pembahasan Surat sekar bank bjb perihal calon implementation of GCG.
pengurus. 2. Discussion on the Letter from Sekar bank bjb
3. Lain-lain concerning candidates for the managers.
3. Other
21 Oktober 2014 1. Penyempurnaan Notulen Komite Remunerasi dan 1 Completion of the Minutes of the Remuneration and
October 21, 2014 Nominasi (KRN) Tanggal 22 September 2014 Terkait Nomination Committee (KRN) On 22 September
Kuorum Kehadiran Anggota KRN. 2014 Member Attendance Quorum Related KRN.
5 November 2014 1. Pembahasn Finalisasi Pedoman Komite Remunerasi 1. Finalization on the Guidelines for Remuneration and
November 5, 2014 dan Nominasi bank bjb. Nomination Committee of bank bjb.
18 November 2014 1. Pemaparan Divisi SDM mengenai proses pengenaan 1. Exposure of the Human Resources Division
November 18, 2014 sanksi dan Pedoman TPPMK bank bjb. regarding the imposition of sanctions and Guidelines
2. Lain-lain. of process TPPMK of bank bjb.
2. Other.
8 Desember 2014 1. Pembahasan draft laporan dan rekomendasi KRN 1. Discussion of the draft of KRN report and
December 8, 2014 untuk disampaikan pada RUPS LB. recommendations to be submitted to the EO GMS.
22 Desember 2014 1. Penyusunan Program Kerja KRN tahun 2015. 1. Preparation of KRN 2015 Work Programme.
December 22, 2014 2. Lain-lain. 2. Other.
Remunerasi Anggota Komite Remunerasi dan Nominasi Remuneration for the Members of the Remuneration
Sistem Remunerasi Komite Remunerasi dan Nominasi and Nomination Committee
didasarkan pada hasil rekomendasi Komite Remunerasi dan The remuneration system for the Remuneration and
Nominasi yang ditetapkan dalam Rapat Dewan Komisaris. Nomination Committee is based on the recommendation of the
Setiap anggota Komite yang diangkat memiliki perjanjian kerja Remuneration and Nomination Committee set out in the Board
sama masing-masing. of Commissioners’ meeting. Each member of the Committee
who is appointed posses his/ her own cooperation agreement.
Komite Pemantau Risiko Risk Monitoring Committee

Komite Pemantau Risiko (KPR) bank bjb merupakan salah satu The Risk Monitoring Committee (RMC) of bank bjb is one
komite yang dibentuk Dewan Komisaris Bank dalam rangka of the committees that was established by the Board of
mendukung efektivitas pelaksanaan tugas dan tanggung Commissioners in order to support effective implementation of

Introduction
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jawabnya, sebagaimana dimaksud dalam Peraturan Bank its tasks and responsibilities, as stipulated in Bank Indonesia
Indonesia nomor 8/4/PBI/2006 tentang pelaksanaan Good Regulation No. 8/4/PBI/2006 on the implementation of Good
Corporate Governance bagi Bank Umum. Corporate Governance for Commercial Banks.
KPR bank bjb untuk periode tahun 2014 dibentuk berdasarkan: bank bjb’s RMC for the period of 2014 bjb was established
a. Peraturan Bank Indonesia nomor 8/4/PBI/2006 tanggal 30 based on:
Januari 2006 tentang Good Corporate Governance; a. Bank Indonesia Regulation No. 8/4/PBI/2006 dated
b. Peraturan Bank Indonesia nomor 8/14/PBI/2006 tanggal January 30, 2006 on Good Corporate Governance;
5 Oktober 2006 tentang Perubahan atas Peraturan Bank b. Bank Indonesia Regulation No. 8/14/PBI/2006 dated
Indonesia nomor 8/4/PBI/2006 tentang Good Corporate October 5, 2006 on the Amendment to Bank Indonesia
Governance; Regulation No. 8/4/PBI/2006 on Good Corporate
c. Surat Edaran Bank Indonesia nomor 9/12/DPNP tanggal Governance;
30 Mei 2007 tentang Pelaksanaan Good Corporate c. Bank Indonesia Circular Letter No. 9/12/DPNP dated
Governance bagi Bank Umum; May 30, 2007 on the Implementation of Good Corporate
d. Surat Keputusan Dewan komisaris PT Bank Jabar Governance for Commercial Banks;
Nomor 04A/SK/DK/2007, tanggal 28 Juni 2007, Tentang d. Decree of the Board of Commissioners of PT Bank
Pembentukan Komite dan Pedoman Kerja Komite Dewan Jabar No. 04A/SK/DK/2007 dated June 28, 2007, on the
Komisaris, Establishment of Committees and the Work Guidelines of
e. Surat Keputusan Dewan Komisaris PT Bank Pembangunan the Committees under the Board of Commissioners,
Daerah Jawa Barat dan Banten, Tbk. nomor 001/SK/ e. Decree of the Board of Commissioners of PT Bank
DK/2014 tanggal 22 Januari 2014 Tentang Pembagian Pembangunan Daerah Jawa Barat, Tbk No. 001/SK/
Tugas dan pelaksanaan Jadwal Kegiatan Dewan DK/2014 dated January 22, 2014 on the Division of Tasks
Komisaris serta Komite-komite. and the activites of Board of Commissioners and the
committees.
Susunan Ketua dan Anggota Komite Pemantau Risiko
The Composition of the Chairman and Members of the Risk Monitoring Committee

1. Ketua Achmad Baraba (Komisaris Independen/Independent Commissioner) Chairman
2. Anggota Yayat Sutaryat (Komisaris Independen/Independent Commissioner) Member
3. Anggota Rudhyanto Mooduto (Komisaris Independen/Independent Commissioner) Member
4. Anggota Nury Effendi (Independent) Member
5. Anggota Tettet Fatjriyanti (Independent) Member
Agenda Rapat Komite Pemantau Risiko

Risk Monitoring Committee Meetings Agenda

Agenda Agenda
Date of Meeting
7 Januari 2014
- Rapat Rutin Komite Pemantau Risiko - Routine Risk Oversight Committee Meeting
January 7, 2014
18 Januari 2014 - Finalisasi program Kerja Komite Pemantau Risiko - Finalization of the Risk Oversight Committee 2014
January 18, 2014 Tahun 2014. Work Program.
- Pembahasan Laporan realisasi Program Kerja - Discussion on the realization of the Work Program
Komite Pemantau Risiko Tahun 2013. Report of the Risk Oversight Committee in 2013.
- Lain-lain. - Etc.
21 Januari 2014 - Persiapan Evaluasi Kecukupan Penerapan - Preparation on the Evaluation of the Adequacy of
January 21, 2014 Manajemen Risiko oleh Komite Pemantau Risiko Risk Management by Risk Monitoring Committee
- Lain-lain. - Etc.

Pendahuluan
Laporan Manajemen
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Agenda Agenda
Date of Meeting
28 Januari 2014 - Finalisasi Laporan KPR Tahun 2013 - Finalization of mortgage Reports Year 2013
January 28, 2014 - Pembahasan Reformat Kertas Kerja Kegiatan - Discussion on the reformat of Working Paper of the
Evaluasi Kebijakan/Penerapan Manajemen Risiko di Evaluation Activity on the Policy / Implementation of
bank bjb Risk Management in bank bjb
- Lain-lain - Etc
4 Februari 2014 "OBMJTB1SPmM3JTJLP5SJXVMBO*75BIVO 3JTL1SPmMF"OBMZTJTGPS'PVSUI2VBSUFSPG

February 4, 2014 - Progress Kertas Kerja Evaluasi Struktur Organisasi - Progress Evaluation Working Paper of the
- Progress Kertas Kerja Evaluasi Kebijakan Organizational Structure
Manajemen Risiko yang Mencakup Risk Philosphy, - Progress Evaluation Working Paper of the Risk
Risk Appetite, Risk Limit dan Risk Tolerance. Management Policy that Covers Risk Philosophy,
- Lain-lain. Risk Appetite, Risk Limit and Risk Tolerance.
- Others.
11 Februari 2014 2VJDL0WFSWJFXPG3JTL1SPmMF2 2VJDL0WFSWJFXPG3JTL1SPmMF2
February 11, 2014 - Progress Report Risk Assessment - Progress Report Risk Assessment
18 Februari 2014 1FNCBIBTBO3JTL1SPmMFCBOLbjb Triwulan IV 2013 %JTDVTTJPOPG3JTL1SPmMFPGCBOLbjb in Fourth
February 18, 2014 - Lain-lainnya. Quarter of 2013
- Others.
25 Februari 2014 - Pembahasan Liquidity Stress Test - Discussion of Liquidity Stress Test
February 25, 2014 - Pembahasan RCCR TW IV 2013 - Discussion of RCCR Q IV 2013
4 Maret 2014 - Pembahasan Buletin Weekly News Review. - Discussion of Bulletin Weekly News Review.
March 4, 2014 - Pembahasan RCCR TW IV 2013. - Discussion of RCCR Q IV in 2013.
- Lain-lain. - Other.
13 Maret 2014 - Pembahasan Progress Evaluasi Kebijakan - Discussion on the Progress of the Evaluation of Risk
March 13, 2014 Manajemen Risiko. Management Policy.
- Pembahasan Buletin Weekly News Review. - Discussion Bulletin Weekly News Review.
- Lain-lainnya. - Others.
19 Maret 2014 - Progress Report Evaluasi Kebijakan Manajemen - Progress Report on the Evaluation of Risk
March 19, 2014 Risiko Management Policy
- Pembahasan Laporan Market and Liquidity Risk - Discussion on Market and Liquidity Risk Reports
- Lain-lain. - Others.
1 April 2014 - Buletin Weekly News review - Bulletin Weekly News review
April 1, 2014 - Lain-lain. - Others.
10 April 2014 - Progress Report Evaluasi Penerapan Kebijakan - Progress Report on the Evaluation of Implementation
April 10, 2014 Manajemen Risiko. of Risk Management Policy.
15 April 2014 - Progress Report Evaluasi Penerapan Kebijakan - Progress Report on the Evaluation of Implementation
April 15, 2014 Manajemen Risiko. of Risk Management Policy.
29 April 2014 - Finalisasi Laporan Evaluasi Penerapan Kebijakan - Finalization of Report on the Evaluation of the
April 29, 2014 Manajemen Risiko. Implementation of Risk Management Policy.
12 Juni 2014 - Penerapan Hasil Evaluasi Kebijakan Manajemen - Application of Risk Management Policy Evaluation
June 12, 2014 Risiko bank bjb oleh Komite Pemantau Risiko. Results in bank bjb by the Risk Oversight
- Lain-lain. Committee.
- Others.
24 Juni 2014 - Finalisasi Laporan Evaluasi Kebijakan Manajemen - Finalization of Report on the Evaluation of Risk
June 24, 2014 Risiko bank bjb. Management Policy of bank bjb.
5 Agustus 2014 1FNCBIBTBO1FOEBIVMVBO-BQPSBO3JTL1SPmMF %JTDVTTJPOPOUIF*OUSPEVDUJPOPG3JTL1SPmMF3FQPSUT
August 5, 2014 Triwulan I dan II Tahun 2014. for the Q I and II 2014.
10 Agustus 2014 1FNCBIBTBO-BQPSBO3JTL1SPmMF5SJXVMBO*EBO** %JTDVTTJPOPG3JTL1SPmMF3FQPSUT2VBSUFS*BOE**
August 10, 2014 Tahun 2014. 2014.

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Agenda Agenda
Date of Meeting
12 Agustus 2014 - Pembahasan Pendahuluan Laporan 3JTL1SPmMF %JTDVTTJPO*OUSPEVDUJPOPG3JTL1SPmMF2*BOE**
August 12, 2014 Triwulan I dan II Tahun 2014. 2014.
19 Agustus 2014 1FNCBIBTBO1SPmM3JTJLP,SFEJUEBO3$$3CBOL %JTDVTTJPOPG3JTL1SPmMF$SFEJUBOE3$$3PGCBOL
August 19, 2014 bjb. bjb.
26 Agustus 2014 - Presentasi SOP Hapus Buku dan Hapus Tagih Kredit - Presentation of SOP for Writte Off and Haircut of
August 26, 2014 Oleh Divisi PPK. Credit By PPK Division.
30 September 2014 - Pembahasan Kebijakan Hapus Buku dan Hapus - Discussion on the Policy of Writte Off and Haircut of
September 30, 2014 Tagih bank bjb. bank bjb.
- Pembahasan Laporan Analisa Portofolio Kredit Mikro - Discussion on bank bjb Micro Credit Portfolio
bank bjb. Analysis Report.
- Pembahasan Modul Good Corporate Governance - Discussion of Good Corporate Goovernance Module
(GCG) (GCG)
14 Oktober 2014 - Pemaparan Kondisi Makro Ekonomi. - Exposure of Macroeconomic Conditions.
October 14, 2014 - Pembahasan Analisa Kredit Pemilikan Rumah - Discussion on the Analysis of Housing Loan
4 November 2014 - Pemaparan Analisis Kinerja Keuangan Un-Audited - Exposure of the Analysis on Un-Audited Financial
November 4, 2014 "OBMJTJT1SPmM3JTJLP5SJXVMBO***5BIVO Results
- Lain-lain. 3JTL1SPmMF"OBMZTJTGPS5IJSE2VBSUFSPG
Others.
Riwayat Hidup Singkat Anggota Komite Pemantau Curriculum Vitae of Risk Monitoring Committees Non-
Risiko di Luar Anggota Dewan Komisaris Members of Board of Commissioners
Nury Effendi
Anggota Komite Pemantau Risiko
Member of Risk Monitoring Committee
Warga Negara Indonesia berusia 58 tahun. Menyelesaikan Indonesia citizen, age 57. Graduated with a bachelor degree
pendidikan Sarjana Ekonomi di Universitas Padjadjaran in Economy from the University of Padjadjaran Bandung in
Bandung tahun 1983, Master of Arts in Economics dari Ohio 1983, Master of Art in Economics from State University of
State University, USA tahun 1987 dan mendapatkan gelar Ohio, USA in 1987 and Doctor of Economy from University of
Doktor di Bidang Ekonomi dari University of Oklahoma tahun Oklahoma in 2000. Assume the position of member of Risk
2000. Menjabat sebagai anggota Komite Pemantau Risiko Monitoring Committee of bank bjb since 2007. Other previous
bank bjb sejak tahun 2007 dan jabatan lain yang pernah positions include: Lecturer in the Faculty of Economy and
dipegang diantaranya: Dosen Fakultas Ekonomi dan Bisnis Business from the University of Padjadjaran (1984-present),

Pendahuluan
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Universitas Padjadjaran (1984-sekarang), Pembantu Dekan Deputy Dean for Academic Affairs at the Faculty of Economy
Bidang Akademik Fakultas Ekonomi dan Bisnis Universitas and Business University of Padjadjaran (2009-2013), Dean
Padjadjaran (2009-2013), Dekan Fakultas Ekonomi dan Bisnis of the Faculty of Economy and Business of University of
Universitas Padjadjaran (2013-sekarang). Padjadjaran (2013-present).
Tetet Fajriyanti
Anggota Komite Pemantau Risiko
Member of Risk Monitoring Committee
Warga Negara Indonesia berusia 46 tahun. Menyelesaikan Indonesian citizen aged 46 years. Graduated with a Bachelor
pendidikan Sarjana Ekonomi Jurusan Akuntansi di Universitas of Economics Department of Accounting at the University of
Padjadjaran Bandung tahun 1992, S2 Bidang Ilmu Akuntansi Padjadjaran Bandung in 1992, S2 Field of Science in Accounting
& Keuangan Fakultas Ekonomi UGM, Yogyakarta tahun and Finance, Faculty of Economics, UGM, Yogyakarta in 2000,
2000, dan mendapatkan gelar Doktor di bidang Keuangan and received his doctorate in Finance from the University
dari Universitas Padjadjaran tahun 2010. Menjabat sebagai of Padjadjaran in 2010. He has served as a member of the
anggota Komite Pemantau Risiko bank bjb sejak tahun Risk Oversight Committee since the bank bjb 2014 and
2014 dan jabatan lain yang pernah dipegang diantaranya: another position once held by them: Faculty of Economics
Dosen Fakultas Ekonomi dan Bisnis Universitas Padjadjaran and Business, University of Padjadjaran (1994-present), the
(1994-sekarang), Sekretaris Laboratorium Akuntansi Unpad Secretary of Accounting Laboratory Padjadjaran (2007-2009),
(2007-2009), Sekretaris Program Studi Pendidikan Profesi Secretary of Professional Accounting Education Program,
Akuntansi Unpad (2009-2011), Sekretaris Program Studi Padjadjaran University (2009-2011), Secretary of the Master
Magister Akuntansi Unpad (2011-2012), Sekretaris Program of Accounting Padjadjaran University (2011-2012), Secretary
Studi Magister Ilmu Ekonomi Unpad (2012-2013), Sekretaris of the Master of Economics, Padjadjaran University (2012-
Program Studi Doktor Ilmu Akuntansi Unpad (2013-sekarang). 2013), Secretary of the Accounting Doctoral Studies Program,
Padjadjaran University (2013-present).
Periode Jabatan Anggota Komite Pemantau Risiko Work Tenure of the Members of the Risk Monitoring
Sesuai dengan Pedoman nomor 06/DK/2007 tentang Committee
Pedoman Dewan Komisaris, masa jabatan anggota komite In accordance with the Work Guidelines No. 06/DK/2007 on
yang bukan merupakan anggota Dewan Komisaris, masa the Guidelines for the Board of Commissioners, the tenure of
kerjanya ditentukan oleh Dewan Komisaris dengan tetap the committee members who are not members of the Board of
mengacu kepada ketentuan GCG yang berlaku. Commissioners is determined by the Board of Commissioners
with reference to the applicable provisions of corporate
governance.

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Independensi Ketua dan Anggota Komite Independence of the Chairman and Members of
Pemantau Risiko the Risk Monitoring Committee
Ketua dan anggota KPR terdiri dari 3 (tiga) orang Komisaris The Risk Monitoring Committee consists of 3 (three)
Independen, dan 2 (dua) orang anggota independen. Seluruh independent commissioners and 2 (two) Independent
Anggota Komite Pemantau Risiko tidak memiliki hubungan members. All Members of the Risk Monitoring Committee
dengan anggota Dewan Komisaris, dengan anggota Direksi, shall not have relationships with members of the Board of
dengan sesama anggota Komite maupun dengan Pemegang Commissioners, members of the Board of Directors, with
Saham Utama dan/atau Pengendali fellow members of the Committee and with the Major and/ or
Controlling Shareholders.
Tugas dan Tanggung Jawab Komite Pemantau Risiko Duties and Responsibilities of the Risk Monitoring
Sesuai PBI nomor 5/8/PBI/2003, Pasal 2 yang telah diubah Committee
dengan Peraturan Bank Indonesia nomor 11/25/PBI/2009 In accordance to PBI No 5/8/PBI/2003, Article 2, as
tentang Penerapan Manajemen Risiko Bagi Bank Umum, amended by Bank Indonesia Regulation number 11/25/
mewajibkan Bank menerapkan Manajemen Risiko secara PBI/2009 concerning the Application of Risk Management for
efektif, baik untuk Bank secara individual maupun untuk Bank Commercial Banks, require the Bank to effectively implement
secara konsolidasi dengan Perusahaan Anak, yang paling Risk Management, both individually and consolidated with its
kurang mencakup 4 (empat) pilar yaitu: subsidiaries, which at least includes 4 (four) pillars, namely:
1. Pengawasan aktif Dewan Komisaris dan Direksi; 1. The active supervision of the Board of Commissioners and
2. Kecukupan kebijakan, prosedur dan penetapan limit; Board of Directors;
,FDVLVQBOQSPTFTJEFOUJmLBTJ QFOHVLVSBO QFNBOUBVBO 2. The adequacy of policies, procedures and limits;
dan pengendalian Risiko, serta sistem informasi "EFRVBDZPGUIFQSPDFTTPGJEFOUJmDBUJPO NFBTVSFNFOU
Manajemen Risiko; dan monitoring, and controlling risk, and risk management
4. Sistem pengendalian intern yang menyeluruh. information system; and
4. Thorough internal control system.
Evaluasi atas pelaksanaan kebijakan pengelolaan risiko Evaluation on the implementation of the risk management
merekomendasikan penyempurnaan infrastruktur dan policy recommended infrastructure improvements and
metodologi pengukuran risiko. Secara berkala, Komite risk measurement methodologies. Periodically, the Risk
Pemantau Risiko melakukan penyempurnaan kebijakan dan .POJUPSJOH $PNNJUUFF SFmOFT UIF SJTL NBOBHFNFOU QPMJDJFT
pedoman pengelolaan risiko agar dapat digunakan untuk and guidelines that can be used to be the basis of business
dasar pengambilan keputusan bisnis bank bjb. decision-making in bank bjb.
Berkaitan dengan tugas pemantauan pelaksanaan tugas In connection with the monitoring of the the implementation
SKMR, Komite Pemantau Risiko telah mengevaluasi laporan of tasks by the Risk Management Unit, the Risk Monitoring
1SPmM 3JTJLP #BOL NFMJQVUJ SJTJLP LSFEJU SJTJLP QBTBS SJTJLP $PNNJUUFF IBT FWBMVBUFE UIF SJTL QSPmMF SFQPSU JODMVEJOH
likuiditas, risiko operasional, risiko hukum, risiko reputasi, credit risk, market risk, liquidity risk, operational risk, legal risk,
risiko strategi, dan risiko kepatuhan. Hingga akhir tahun 2014 reputation risk, strategic risk, and compliance risk. By the end
telah terjadi pengelolaan risikio yang semakin baik dibuktikan of 2014 risks have been managed better evidenced by the
dengan peningkatan risk awareness di mayoritas risk taking increase in risk awareness in the majority of risk taking units.
unit. Metode pengukuran risiko dan pengendaliannya terus The risk measurement method and its control are continuously
menerus disempurnakan oleh SKMR. SFmOFECZUIF3JTL.BOBHFNFOU6OJU

Pendahuluan
Laporan Manajemen
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Laporan Pelaksanaan Kegiatan KPR Tahun 2014 Report on the Activities Conducted by the Risk
Monitoring Committee during 2014
Sesuai pedoman kerja KPR, maka pada tahun 2014 disusun Based on the work guidelines of the the Risk Monitoring Committee,
rencana kerja sebagai berikut: in 2014 the work plan prepared was as follows:
No Program Kegiatan KPR Tahun 2014 2014 RMC Activities Program
1. Mengevaluasi realisasi rencana kerja KPR Tahun 2013 dan Evaluate the realization of the 2013 RMC work plan and determine
menetapkan rencana kerja KPR Tahun 2014 sesuai RBB bjb Tahun the RMC work plan for 2014 in accordance with the bank EME·s 2014
2014 Business Plan
2. Mengevaluasi kecukupan penerapan manajemen risiko, baik dari (YDOXDWHWKHDGHTXDF\RIULVNPDQDJHPHQWERWKIURPWKHDVSHFWRIWKH

aspek organisasi, kebijakan, perangkat kerja, dan implementasinya organization, policies, work tools, and its implementations and provide
serta memberikan rekomendasi bagi Dekom recommendations to the Board of Commissioners
3. Monitoring atas rekomendasi yang diberikan oleh Dekom berdasarkan Monitor the recommendations given by the Board of Commissioners
hasil evaluasi pada butir 2 based on the results of the evaluation in point 2
4. 0HQJHYDOXDVLODSRUDQ3URÀO5LVLNRVHUWDPHODSRUNDQGDQPHPEHULNDQ (YDOXDWHWKHULVNSURÀOHUHSRUWDQGUHSRUWDQGPDNHUHFRPPHQGDWLRQV
rekomendasi berdasarkan hasil evaluasi tersebut kepada Dewan based on the results of the evaluation to the Board of Commissioners
Komisaris
5. Melakukan penelaahan atas pelaksanaan fungsi kepatuhan atas Review the implementation of the compliance function on the
peraturan dan perundang-undangan yang berlaku regulations and legislations in force
6. Memutakhirkan secara periodik Pedoman Kerja Periodically update the Work Guidelines
7. Menyusun laporan realisasi rencana kerja Komite Pemantau Risiko Prepare reports on the realization of the work plan of the Risk
Monitoring Committee
8. Bersama Komite Audit menyusun Laporan Pengawasan Dewan Together with the Audit Committee prepare the the Board of
Komisaris tentang realisasi RBB tahun 2014, termasuk evaluasi atas &RPPLVVLRQHUV·6XSHUYLVRU\5HSRUWRQWKHUHDOL]DWLRQWKH%DQN·V
rencana perubahan RBB 2014 Business Plan in 2014, including the evaluation of the changes of the
2014 Business Plan of the Bank.
9. Melakukan penelaahan dan memberikan masukan bagi Dewan Review and provide inputs for the Board of Commissioners on the
Komisaris atas draft RBB bjb tahun 2015 %DQN·V%XVLQHVV3ODQ'UDIW
10. Peningkatan kapasitas Ketua dan Anggota KPR melalui workshop, Improving the capacity of the Chairman and Members of RMC through
seminar, dan benchmarking workshops, seminars, and benchmarking
11. Melaksanakan tugas lain yang diberikan oleh Dewan Komisaris Carry out other duties assigned by the Board of Commissioners under
berdasarkan ketentuan peraturan perundang-undangan yang berlaku the provisions of the legislations in force
Mekanisme Kerja Mechanism of Work

Komite Pemantau Risiko bekerja berdasarkan program The Risk Monitoring Committee works based on the annual
kerja tahunan yang disusun dan disetujui Dewan Komisaris, work program prepared and approved by the Board of
diantaranya kegiatan pemantauan risiko rutin bulanan, Commissioners, including the monthly, quarterly, and yearly
triwulanan, dan tahunan, serta kegiatan yang tidak ditetapkan risk monitoring activities, as well as activities with no set of
waktu pelaksanaannya seperti kegiatan peningkatan timeframe such as the activities to improve the capabilities of
kapabilitas Ketua dan anggota KPR. the Chairman and members of the RMC.
KPR melaksanakan rapat mingguan yang merupakan rapat The RMC holds weekly meeting which is the internal RMC
internal KPR, rapat koordinasi dengan Divisi Manajemen meeting, coordination meeting with the Division of Risk
Risiko, Komite Audit, atau rapat gabungan dengan bagian lain Management, Audit Committee, or joint meetings with other
sesuai program kerja dan kebutuhan. units according to the work programs and needs.

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Frekuensi Pertemuan/Rapat dan Tingkat Kehadiran Frequency of Meetings and the Level of Attendance of
Anggota Komite Pemantau Risiko the Members of the Risk Monitoring Committee
Selama tahun 2014 telah dilaksanakan rapat dan pelaporan During 2014, the Risk Monitoring Committee held 24 (twenty
dari Komite Pemantau Risiko sebanyak 24 (dua puluh empat) four) meetings.
kali rapat.
Kehadiran Rapat Komite Pemantau Risiko

Risk Monitoring Committee Meeting Attendance
Jumlah Kehadiran
Nama Total Attendance Presentase
Name Percentage
Achmad Baraba 20 83,33%
Yayat Sutaryat 19 79,17%
Rudhyanto Mooduto 19 79,17%
Nury Effendi 20 83,33%
Tettet Fatjriyanti 24 100%
Remunerasi Anggota Komite Pemantau Risiko Remuneration for the Members of the Risk Oversight
Sistem Remunerasi Komite Pemantau Risiko didasarkan pada Committee
hasil rekomendasi Komite Remunerasi dan Nominasi yang The remuneration system for the Risk Oversight Committee
ditetapkan dalam Rapat Dewan Komisaris. Setiap anggota is based on the recommendation of the Remuneration and
Komite yang diangkat memiliki perjanjian kerja sama masing- Nomination Committee set out in the Board of Commissioners’
masing. meeting. Each member of the Committee who is appointed
posses his/ her own cooperation agreement.

Pendahuluan
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SEKRETARIS DEWAN KOMISARIS

SECRETARY OF THE BOARD OF COMMISSIONERS
Titin Suartini
Sekretaris Dewan Komisaris
Board of Commissioners Secretary
Sekretaris Dewan Komisaris bertanggung jawab untuk The Secretary of the Board of Commissioners is responsible
mengkoordinasikan seluruh kegiatan administatif Dewan to coordinate all administrative activities of the Board of
Komisaris, baik secara internal maupun terkait dengan Direksi Commissioners, both internally and linked to the Board of
ataupun Komite-komite di bawahnya. Directors or the Committees underneath.
Nama : Titin Suartini Name : Titin Suartini

Jabatan : Pemimpin Grup Kesekretariatan Position : Leader of the Board of Commissioners
Dewan Komisaris Group Secretariat
Karir di Perseroan : Bekerja di Perseroan sejak 1991 Career in the Company : Working in the Company since 1991
Pendidikan : S2 MM UNPAD Lulusan tahun 2007 Education : Magister Management from UNPAD,
Graduated in 2007
Secara struktural Sekretaris Dewan Komisaris bertanggung Structurally, the Secretary of the Board of Commissioners
jawab langsung kepada Dewan Komisaris. Adapun Tugas dan is responsible directly to the Board of Commissioners. The
Tanggung Jawab Sekretaris Dewan Komisaris meliputi: Duties and Responsibilities of the Secretary of the Board of
Commissioners include:
1. Mengkoordinasikan kegiatan kesekretariatan untuk Direksi 1. Coordinate the secretariat’s activities for the Board of
dan Komisaris Directors and Board of Commissioners
a. Mengembangkan sistem administrasi kesekretariatan a. Develop an integrated secretariat administration
yang terintegritas. system.
b. Mengkoordinasikan kegiatan rapat Direksi dan Komisaris b. Coordinate the meetings of the Board of Directors and
c. Menjalankan fungsi sebagai notulen rapat/meeting Board of Commissioners
Direksi dan Dewan Komisaris c. Functions as the recorder of the minutes of meetings
d. Memantau administrasi, pengarsipan, surat-menyurat, in the meetings of the Board of Directors and Board of
serta pengamanan data-data/dokumen Direksi dan Commissioners
Dewan Komisaris (SK, SE, SI, dan sebagainya). d. Monitor the administration, archiving, correspondence,
e. Membuat dan memastikan tersedianya materi, data, and securing the data/ documents of the Board of
informasi yang diperlukan Direksi dan Dewan Komisaris Directors and Board of Commissioners (SK, SE, SI, and
untuk Rapat Direksi/Rapat Komisaris. so on).
f. Mengelola laporan khusus Direksi/Dewan Komisaris e. Create and ensure the availability of materials, data,
kepada lembaga ekstern. information needed by the Board of Directors and Board
g. Memastikan dokumen perjalanan dinas dalam dan luar of Commissioners for meetings.
negeri Direksi dan Komisaris. f. Manage special report of the Board of Directors/ Board
h. Melakukan pembinaan kepada Cabang dalam bidang of Commissioners to external agencies.
kesekretariatan. H &OTVSF PGmDJBM USBWFM EPDVNFOUT GPS UIF GPSFJHO BOE
2. Mengkoordinasikan kegiatan protokoler utuk Direksi dan domestic business trips of the Board of Directors and
Dewan Komisaris Board of Commissioners.
h. To provide guidance to the branch in the secretarial
mFME
2. Coordinate the protocol activities for the Board of Directors
and Board of Commissioners
Introduction
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a. Berkoordinasi dengan pihak pelaksana keigatan dalam a. Coordinate with the implementing parties in conducting
melakukan protokoler Direksi dan Dewan Komisaris. protocol activities for the Board of Directors and Board
b. Mengatur jamuan untu tamu Direksi dan Dewan Komisaris of Commissioners.
c. Berkoordinasi dengan Divisi/Kantor Cabang, mengatur b. Organize a banquet for the guests of the Board of
susunan acara internal yang dihadiri oleh Direksi dan Directors and Board of Commissioners
Dewan Komisaris. D $PPSEJOBUFXJUIUIF%JWJTJPO#SBODI0GmDF PSHBOJ[JOH
d. Menyiapkan meteria nara sumber.pidato/sambutan/ the internal event attended by the Board of Directors
Direksi berdasarkan permintaan secara tertulis dari pihak and Board of Commissioners.
penyelenggara kegiatan. d. Setting up the materials such as speech/ welcome notes
e. Menyiapkan acara pembukaan jaringan usaha bank of the Board of Directors based on a written request
yang baru. from the organizers of activities.
3. Menyusun Tata Naskah Bank e. Set up the opening of a new network of banking
a. Melakukan inventarisasi dalam penyelenggaraan Tata business.
Naskan Bank yang telah berjalan. 3. Compile the Bank’s writing system
b. Melakukan kajian mengenai kebutuhan Tata Naskah a. Perform inventory in the administration of the current
Bank dalam ketertiban penyelenggaraan komunikasi bank writing system.
Bank (format dari setiap jenis surat yang dikeluarkan b. Conduct a study related to the needs of the Bank’s
Bank, Sandi Unit Kerja, Indek Surat, Sandi Pejabat Bank, writing system to maintain order within the Bank’s
Kartu Nama Pejabat dan lain-lain). communication (the format of each type of letter issued
c. Menyusun draft rumusan Tata Naskah Bank. by the Bank, Code for each Work Unit, Letter Index,
d. Menyampaikan draft Tata Naskah Bank kepada Divisi $PEFPGUIF#BOLT0GmDJBMT /BNF$BSEPGUIF#BOLT
Kepatuhan & Hukum untuk dilakukan pengkajian dari sisi 0GmDJBMTBOEPUIFST

hukum. c. Prepare the draft for the formulation of the Bank’s writing
e. Menyampaikan draft Tata Naskah Bank yang telah dikaji system.
oleh Divisi Kepatuhan & Hukum (dan direvisi apabila ada) d. Submit the draft on the Bank’s writing system to the
kepada Direksi untuk mendapatkan persetujuan Compliance & Legal Division to be assessed from the
f. Menerbitkan Tata Naskah Bank yang telah disetujui view of law.
Direksi, serta mendistribusikan kepada seluruh Unit Kerja. e. Submit the draft on the Bank’s writing system that has
4. Mengelola dan mengembangkan kewenangan bidang been reviewed by the Compliance & Legal Division (and
administrasi revised if any) to the Board of Directors for approval
a. Melakukan inventarisasi kepada setiap Unit Kerja f. Publish the Bank’s Writing System which has been
di Kantor Pusat dan Cabang mengenai kebutuhan approved by the Board of Directors, and distribute it to
Kewenangan bidang administrasi. the entire Work Units.
b. Menghimpun masukan dari setiap Unit Kerja mengenai .BOBHF BOE EFWFMPQ UIF BVUIPSJUZ JO UIF mFME PG
kebutuhan Kewenangan bidang Administrasi. administration
c. Mengkaji BPP, Kebijakan dan SOP yang berkaitan a. Conduct an inventory to each Work Unit at the Head
dengan Kewenangan bidang administrasi. 0GmDFBOE#SBODIFTSFMBUFEUPUIFOFFETPG"VUIPSJUZJO
d. Menyusun rumusan Kewenangan. UIFmFMEPGBENJOJTUSBUJPO
e. Menyampaikan rumusan Kewenagnan kepada Divisi b. Gather inputs from each work unit on the needs of the
Manajemen Risko untk mendapatkan kajian dan "VUIPSJUZJOUIFmFMEPG"ENJOJTUSBUJPO
rekomendasi bidang manajemen risiko. c. Review the BPP, policies and SOP related to the authority
f. Menyampaikan rumusan Kewenangan kepada Direksi JOUIFmFMEPGBENJOJTUSBUJPO
untuk mendapatkan keputusan. d. Forumulate Authority.
g. Menertibkan Pedoman Kewenangan bidang Administratif e. Deliver the formulation of authority to the Risk
yang telah disetujui Direksi dan didistribusikan kepada Management Division to obtain a review and
seluruh unit kerja. SFDPNNFOEBUJPOJOUIFmFMEPGSJTLNBOBHFNFOU
h. Melakukan updating Kewenangan secara berkala. f. Deliver the formulation of Authority to the Board of
Directors for decision.
H 3FHVMBUFUIF(VJEFMJOFTPOUIF"VUIPSJUZJOUIFmFMEPG
Administration approved by the Board of Directors and
distribute to all work units.
h. Perform updates on authority periodically.

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
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DIREKSI
BOARD OF DIRECTORS
Direksi merupakan organ Perseroan yang memiliki wewenang Board of Directors as a part of the Company has the authority
serta bertugas dan bertanggung jawab secara kolegial dalam and the duty and responsibility in colegially managing the
mengelola Bank. Secara garis besar, masing-masing Direktur Bank. In broad outline, each Director may carry out tasks
dapat melaksanakan tugas dan mengambil keputusan and formulate decisions in accordance with the division of
sesuai dengan pembagian tugas dan wewenangnya. Direksi duties and responsibilities. Directors are responsible for the
bertanggung jawab terhadap pengelolaan Bank agar dapat NBOBHFNFOUPGUIF#BOLJOPSEFSUPHFOFSBUFQSPmUTBOEFOTVSF
menghasilkan keuntungan dan memastikan kesinambungan the sustainability of the Bank in accordance with the Articles
usaha Bank sesuai dengan anggaran dasar dan peraturan of Associations and statutes and regulations. Management
perundang-undangan. Fungsi pengelolaan Perseroan oleh functions of the company by the Board of Directors includes
Direksi mencakup 5 (lima) tugas utama yaitu kepengurusan, mWF
NBJOUBTLT UIFZBSFNBOBHFNFOU SJTLNBOBHFNFOU
manajemen risiko, pengendalian intern, komunikasi, dan internal control, communications, and social responsibility.
tanggung jawab sosial.
Direksi bertanggung jawab kepada pemegang saham dalam Directors are responsible to shareholders in creating and
menciptakan dan memberikan nilai tambah bagi pemegang delivering added value to shareholders. Directors must ensure
saham. Direksi harus memastikan bahwa manajemen memiliki that management has a balanced long-term growth plan and
rencana kerja yang seimbang antara pertumbuhan jangka short-term goals. Good management of Banks will be based
panjang dan tujuan jangka pendek. Pengelolaan Bank on principles of transparency, accountability, responsibility,
yang baik akan berlandaskan pada prinsip transparansi, independence, and fairness in order to add value for
akuntabilitas, pertanggung jawaban, independensi, dan shareholders and other parties associated with the Bank.
kewajaran dalam rangka memberi nilai tambah bagi
pemegang saham dan pihak-pihak lain yang terkait dengan
Bank.
Komposisi Direksi Board of Directors

Berdasarkan Akta Nomor 221 tanggal 19 Desember #BTFE PO 0GmDJBM %PDVNFOU /VNCFS PO %FDFNCFS
2014 mengenai Pernyataan Keputusan RUPS PT Bank PG0GmDJBM3FQPSUPG(FOFSBM.FFUJOHPG4IBSFIPMEFSTPG
Pembangunan Daerah Jawa Barat dan Banten Tbk, Direksi PT Bank Pembangunan Daerah Jawa Barat and Banten Tbk,
Perseroan per 31 Desember 2014 sebagai berikut: it is determined the structure of Board of Directors December
31, 2014, as follows:
Posisi Nama/Name Position
Direktur Utama Ahmad Irfan President Director
Direktur Zaenal Aripin Director
Direktur Nia Kania Director
Direktur Suartini Director
Direktur Fermiyanti Director
Direktur Agus Gunawan Director
Direktur Benny Santoso Director
Berdasarkan Surat Keputusan Direktur Utama PT Bank Based on the Directive of President Director of PT Bank
Pembangunan Daerah Jawa Barat dan Banten Tbk nomor Pembangunan Daerah Jawa Barat and Banten Tbk Number
1022/SK/DIR-CS/2014 tentang Penetapan Susunan Direksi 1022/SK/DIR-CS/2014 on December 29, 2014 about the
tanggal 29 Desember 2014, menetapkan susunan Direksi Determination of the Structure of Board of Directors, it is
Perseroan sebagai berikut: determined the Structure of Board of Directors of bank bjb
as follows:

Introduction
Management Report
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BOARD OF DIRECTORS
Posisi Nama/Name Position

Direktur Utama Ahmad Irfan President Director
Direktur Kepatuhan dan Manajemen Risiko Zaenal Aripin Managing Director – Compliance and Risk
Management
Direktur Keuangan Nia Kania Managing Director – Finance
Direktur Komersial Suartini Managing Director – Commercial
Direktur Konsumer Fermiyanti Managing Director – Consumer
Direktur Mikro Agus Gunawan Managing Director – Micro
Direktur Operasional Benny Santoso Managing Director – Operational
Keberagaman Direksi Diversity of the Board of Directors

Di tengah era globalisasi seperti sekarang, harapan investor, In the middle of the globalization era, the expectations of
nasabah, serta regulasi semakin kompleks, sehingga investors, customers, as well as the increasingly complex
memberikan tantangan yang sangat besar bagi Direksi. regulations, provide a very big challenge for the Board
Komposisi Dewan Komisaris dan Direksi yang beragam of Directors. The diverse composition of the Board of
akan mendorong pengambilan keputusan yang lebih objektif Commissioners and Board of Directors will encourage more
dan komprehensif dikarenakan keputusan diambil dengan objective and comprehensive decision-making because
memperhatikan berbagai sudut pandang dan kepentingan. decisions are taken by taking into account various viewpoints
and interests.
Keragaman komposisi Direksi di lingkungan bank bjb The diversity of the composition of the Board of Directors in
NFODBLVQ LVBMJmLBTJ BLBEFNJL LFBIMJBO VTJB EBO HFOEFS bank bjbJODMVEFBDBEFNJDRVBMJmDBUJPOT FYQFSUJTF BHFBOE
Hal ini sejalan dengan perkembangan bisnis terbaik di dunia gender. This is in line with the development business in the
internasional, yang di antaranya termuat dalam ketentuan world, of which among others is contained in the provisions
ASEAN Corporate Governance Scorecard, yang merupakan of the ASEAN Corporate Governance Scorecard, which is a
tindak lanjut dari kesepakatan lima Menteri Keuangan ASEAN GPMMPXVQPGUIFBHSFFNFOUCFUXFFOmWF'JOBODF.JOJTUFSTPG
pada tahun 2009 tentang penerapan GCG. ASEAN in 2009 on the application of GCG.
Di lingkungan bank bjb, keragaman Direksi dapat dilihat pada: In bank bjb, the diversity of the Board of Directors can be
1. Jenis Kelamin found at:
Komposisi jenis kelamin (gender) di lingkungan Direksi 1. Gender
adalah: 4 pria dan 3 wanita. Keragaman dari sisi gender The composition of the Board of Directors based on gender
ini menunjukan bahwa bank bjb memiliki komitmen tidak is: 4 men and 3 women. The diversity in terms of gender
adanya perbedaan gender antara pria dan wanita untuk shows that bank bjb has a commitment to not differenciate
mencapai posisi tertinggi dalam Perseroan. gender, between men and women, in their efforts to reach
Keragaman tersebut memberikan manfaat bagi the highest position in the Company.
Bank, di saat Direksi mengambil keputusan terkait 5IFEJWFSTJUZQSPWJEFTCFOFmUTGPSUIF#BOL BUUIFUJNFT
dengan pengelolaan perusahaan. Banyak studi yang the Board of Directors makes decisions related to the
mengungkapkan bahwa wanita memiliki tingkat kehati- management of the company. Many studies reveal that
hatian lebih dibandingkan pria. Dengan begitu, sejalan women are more cautious than men. Thus, in line with the
dengan karakter bisnis Bank yang selalu menjaga prinsip character of the Bank’s business which always maintains
kehati-hatian, keragaman tersebut sangat bermanfaat the precautionary principle, this kind of diversity is very
bagi bank bjb. useful for bank bjb.
2. Bidang Studi 2. Field of Study
Keragaman pada bidang studi di lingkungan Direksi %JWFSTJUZ JO UIF mFME PG TUVEZ XJUIJO UIF NFNCFST PG UIF
bank bjb akan memberikan manfaat bahwa keputusan Board of Directors of bank bjb XJMM QSPWJEF CFOFmU
yang diambil pada organ tertinggi di tingkat operasional namely the decisions taken at the highest organ at the

Pendahuluan
Laporan Manajemen
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DIREKSI
perusahaan tersebut dilandasi oleh kompetensi yang operational level of the company are based on adequate
memadai. Bahkan, keragaman bidang studi tersebut akan DPNQFUFODJFT*OGBDU UIFEJWFSTJUZJOUIFmFMEPGTUVEZXJMM
membuat keputusan yang diambil Direksi merupakan make the decisions taken by the Board of Directors as the
hasil dari pandangan dan pertimbangan yang beragam. result of diverse views and considerations.
Saat ini, keragaman pendidikan di lingkungan Direksi Currently, the diversity of education within the Board of
bank bjb bukan hanya terkait dengan bidang studi yang Directors of the bank bjb is not merely in the different
berbeda, tetapi juga lingkungan yang lebih beragam EJGGFSFOUmFMETPGTUVEZ CVUBMTPNPSFEJWFSTFFOWJSPONFOU
yaitu di dalam dan luar negeri. Selain itu, dari sisi jenjang namely inside and outside the country. Moreover, in
pendidikan, anggota Direksi berasal dari Sarjana Strata 1 terms of the level of education, members of the Board of
hingga Doktoral. Directors posses a Bachelor to a Doctoral Degree.
3. Pengalaman Kerja 3. Work Experience
Keragaman pengalaman kerja anggota Direksi ada yang The diversity of the work experience of the members of the
berasal dari karir internal bank bjb, ada pula yang berasal Board of Directors, namely members internally from bank
dari luar. Kombinasi pengalaman ini akan membuat sudut bjb, and members coming from outside bank bjb. The
pandang Direksi dalam mengambil keputusan sangat combination of experience will create a diverse viewing
beragam, sehingga keputusan yang lahir lebih akuntabel angle of the Board of Directors in making decisions, thus
mengingat hal itu berasal dari pertautan beragam the decisions issued can be more accountable considering
pengalaman kerja anggota Direksi. it comes from diverse work experience of the members of
4. Usia the Board of Directors.
Keragaman usia anggota Direksi berada di kisaran 40-an 4. Age
dan 50-an. Perbedaan usia ini akan membuat keputusan- The members of the Board of Directors are in the range
keputusan dan pelaksanaan kegiatan operasional usaha of age between 40 to 50 years old. This age difference
bank bjb lebih terkontrol dengan baik. Sebab usia makes the decision-making and the execution of bank
merupakan pertanda kematangan dalam pengalaman, bjb’s business operations well controlled. Age is a sign of
sehingga akan sangat bermanfaat bagi Direksi dalam NBUVSJUZJOFYQFSJFODF UIVTXJMMCFWFSZCFOFmDJBMUPUIF
menjalankan kegiatan usaha Bank. Board of Directors in running the business of the Bank.
Ruang Lingkup Pekerjaan dan Tanggung Jawab Direksi Scope of Work and Responsibilities of Directors
Sesuai dengan Surat Keputusan Direksi nomor 519/SK/DIR- In accordance with the Decree of the Board of Directors No.
CS/2011 tanggal 20 September 2011, tugas Direksi adalah 519/SK/DIR-CS/2011 dated 20 September 2011, the duties of
sebagai berikut: the Board of Directors are as follow:
1. Bertanggung jawab penuh atas pelaksanaan 1. Fully responsible for the implementation of the Bank’s
kepengurusan Bank. management board.
2. Wajib mengelola Bank sesuai dengan kewenangan dan 2. Manage the Bank in accordance with the authority and
tanggung jawabnya sebagaimana diatur dalam Anggaran responsibilities as stipulated in the Articles of Associations
Dasar dan peraturan perundang-undangan yang berlaku. and applicable regulations.
3. Mengurus kekayaan Bank sesuai dengan peraturan 3. Taking care for the wealth of the Bank in accordance with
perundang-undangan yang berlaku. applicable laws and regulations.
4. Wajib membuat dan melaksanakan Rencana Kerja 4. Obliged to prepare and implement the Annual Work Plan
Tahunan yang harus disampaikan kepada Dewan to be submitted to the Board of Commissioners.
Komisaris. 0CMJHFEUPTVCNJU"OOVBM3FQPSUTPGUIF#BOLUPDFSUJmFE
5. Wajib menyerahkan Laporan Tahunan Bank kepada public accountant appointed by the GMS to be examined.
akuntan publik yang ditunjuk oleh RUPS untuk diperiksa. 6. Required to apply risk management and the principles of
6. Wajib menerapkan manajemen risiko dan prinsip-prinsip Good Corporate Governance in any business activities
Good Corporate Governance dalam setiap kegiatan of the Bank at all organisational levels or hierarchy. In the
usaha Bank pada seluruh tingkatan atau jenjang framework of the implementation of GCG, the Board of
organisasi. Dalam rangka pelaksanaan GCG, Direksi Directors shall establish at least:
harus membentuk sekurang-kurangnya:

Introduction
Management Report
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Corporate Data
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BOARD OF DIRECTORS
a. Satuan Kerja yang menjalankan fungsi Audit Internal, a. Unit of Internal Audit function, to assist the Board of
untuk membantu Direksi dalam pengawasan Directors in the supervision of Bank operations in the
operasional Bank pada seluruh organisasi Bank. entire organization of the Bank. Internal Audit Unit shall
Satuan Kerja Audit Internal ini wajib independen be independent of the operational unit.
terhadap satuan kerja operasional. b. Work units that perform the function of Risk
b. Satuan kerja yang menjalankan fungsi Manajemen Management and Risk Management Committee
Risiko dan Komite Manajemen Risiko untuk membantu to assist the Directors in the implementation of risk
Direksi dalam penerapan manajemen risiko management as stipulated in Bank Indonesia.
sebagaimana diatur dalam Peraturan Bank Indonesia. c. Work units that perform the function of Compliance, to
c. Saturan Kerja yang menjalankan fungsi Kepatuhan, assist the Directors in conducting legal, legislation and
untuk membantu Direksi dalam melakukan kepatuhan the Regulation of Bank Indonesia compliance for the
atas hukum, perundang-undangan serta Peraturan operations related to the legal, regulatory and Bank
Bank Indonesia atas operasional yang dimiliki terkait Indonesia Regulation.
dengan hukum, perundang-undangan serta Peraturan 0CMJHFEUPGPMMPXVQPOBVEJUmOEJOHTBOESFDPNNFOEBUJPOT
Bank Indonesia. of the Bank’s Internal Audit Unit, external auditors, the
7. Wajib menindaklanjuti temuan audit dan rekomendasi dari supervision of Bank Indonesia and/or other supervisory
Satuan Kerja Audit Internal Bank, auditor eksternal, hasil authority.
pengawasan Bank Indonesia dan/atau hasil pengawasan 1FSGPSNUBTLTUIBUBSFTQFDJmDBMMZHJWFOCZUIF#PBSEPG
otoritas lain. Commissioners and/or GMS.
8. Melakukan tugas yang secara khusus diberikan oleh 9. Holds AGMS and EGMS preceded by GMS call.
Dewan Komisaris dan/atau RUPS. 10. Disclose to the Bank’s strategic policy personnel in
9. Menyelenggarakan RUPS Tahunan dan RUPS Luar Biasa UIF mFME PG QFSTPOOFM SFHBSEJOH TUSBUFHJD QPMJDJFT PO
dengan didahului pemanggilan RUPS. QFSTPOOFMT TVDI BT XBHFT CFOFmUT GBDJMJUJFT QFSTPOOFM
10. Wajib mengungkapkan kepada Pegawai kebijakan Bank recruitment, promotion system, including the Bank plans
yang bersifat strategis di bidang kepegawaian baik UP DPOEVDU FNQMPZFF FGmDJFODZ UISPVHI UIF SFEVDUJPO PG
mengenai pemberian gaji, tunjangan, fasilitas, sistem the Bank’s personnel and other strategic policy regarding
penerimaan pegawai, sistem promosi, termasuk rencana personnels.
#BOL VOUVL NFOHBEBLBO FmTJFOTJ NFMBMVJ QFOHVSBOHBO 5ISFFNPOUITCFGPSFUIFUFSNPGPGmDFFYQJSFT %JSFDUPST
pegawai maupun kebijakan strategis Bank tentang are prohibited from taking/ setting strategic policy.
kepegawaian lainnya. 12. Provide data and information that are accurate, relevant,
11. Tiga bulan sebelum masa jabatan Direksi berakhir, Direksi and in a timely manner to the Board of Commissioners.
dilarang mengambil/menetapkan kebijakan yang bersifat 13. Provide answers and explanations for everything that is
strategis. asked by the Board of Commissioners.
12. Wajib menyediakan data dan informasi yang akurat, 14. Ensure a smooth communication between the Bank
relevan, dan tepat waktu kepada Dewan Komisaris. and the stakeholders through the empowerment of the
13. Wajib memberikan jawaban dan penjelasan atas segala Corporate Secretary function.
sesuatu yang ditanyakan oleh Dewan Komisaris. 15. Obliged to keep and maintain the Register of Shareholders
14. Harus memastikan kelancaran komunikasi antara Bank and Special Register of Shareholders as well as possible.
dengan pemangku kepentingan melalui pemberdayaan
fungsi Sekretaris Perusahaan.
15. Berkewajiban untuk menyimpan dan memelihara Daftar
Pemegang Saham dan Daftar Khusus sebaik-baiknya.
Pembagian Kerja Direksi Division of th Board of Directors Duties

Berdasarkan Surat Keputusan Direksi nomor 519/SK/DIR- Under the Directors Decree No. 519/SK/DIR-CS/2011 dated
CS/2011 tertanggal 20 September 2011 tentang Pedoman September 20, 2011 on Work Guidelines of Directors, the
Kerja Direksi, pembagian tugas Direksi Perseroan adalah division of bank bjb Board of Directors tasks is as follows:
sebagai berikut:

Pendahuluan
Laporan Manajemen
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DIREKSI
Direktur Utama
President Director
Tugas Duties
1. Mengkoordinir dan memberikan arahan dalam penyusunan visi, misi, 1. Coordinate and provide guidance in the preparation of the vision,
dan nilai-nilai serta Rencana Korporasi dan Rencana Bisnis untuk mission, and values as well as the Corporate Plan and Business Plan
dibicarakan dan disetujui oleh Dewan Komisaris atau RUPS sesuai to be discussed and approved by the Board of Commissioners or the
dengan ketentuan Anggaran Dasar Bank. GMS in accordance with the Articles of Association of Banks.
2. Menyelaraskan dan mengakomodir inisiatif internal Bank yang dapat 2. Align and accommodate the Bank’s internal initiatives which will add
memberi nilai tambah serta meningkatkan kinerja dan daya saing value and improve the performance and competitiveness of the Bank.
Bank.
3. Mengkoordinasikan pelaksanaan tugas antar anggota Direksi, 3. Coordinate the implementation of tasks among members of the Board
melaksanakan pembinaan dan pengendalian terhadap seluruh of Directors, carry out development and control of all operations
kegiatan operasional dan pengelolaan Bank secara efektif dan BOENBOBHFNFOUPGUIF#BOLFGGFDUJWFMZBOEFGmDJFOUMZ UBLJOH
FmTJFO EFOHBONFNQFSIBUJLBOBTBTLFTFJNCBOHBOEBOLFTFSBTJBO into account the principle of balance and harmony and ensure
serta memastikan kepatuhan terhadap Peraturan Bank Indonesia dan compliance with Bank Indonesia regulations and legislation in force.
peraturan perundang-undangan yang berlaku.
4. Mengkoordinasikan, mengendalikan, dan mengevaluasi penerapan 4. Coordinate, control, and evaluate the application of the principles of
prinsip-prinsip GCG dan Standar Etika Bank secara konsisten dalam GCG and Banks Standard Ethics consistently in the Company.
Perusahaan.
5. Memimpin rapat Direksi. 5. Lead the Board of Directors meetings.
Tanggung Jawab Responsibility
1. Bertanggung jawab atas pelaksanaan kepengurusan Bank secara 1. Responsible for the implementation of the management of the Bank
FGFLUJGEBOFmTJFO FGGFDUJWFMZBOEFGmDJFOUMZ
2. Memastikan informasi yang terkait dengan Bank selalu tersedia bila 2. Ensure that information related to the Bank is always available when
diperlukan oleh Dewan Komisaris dan Bank Indonesia. required by the Board of Commissioners and Bank Indonesia.
Direktur Bidang Operasional

Director of Operations
Tugas Duties
1. Mengkoordinasikan, mengendalikan, mengembangkan, membina, 1. Coordinate, control, develop, build, manage and evaluate the
mengelola serta mengevaluasi pelaksanaan tugas dari bidang- performance of duties of the areas under its responsibility effectively
bidang yang berada di bawah tanggung jawabnya agar efektif dan BOEFGmDJFOUMZCZQSJPSJUJ[JOHUIFCBMBODFQSJODJQMF
FmTJFOEFOHBONFOHVUBNBLBOBTBTLFTFJNCBOHBO
.FOHFNCBOHLBOQSPHSBNFmTJFOTJ FGFLUJWJUBT EBONBOBKFNFONVUV %FWFMPQBQSPHSBNPGFGmDJFODZ FGGFDUJWJUZ BOERVBMJUZNBOBHFNFOU
dari produk-produk Bank, serta memastikan dilaksanakannya secara of Bank products, and consistently enforce it within their respective
konsisten di lingkungan unit kerja masing-masing. work units.
3. Memantau serta mengawasi Batas Maksimal Pemberian Kredit atas 3. Monitor and oversee the Legal Lending Limit for Bank intermediation
aktivitas intermediasi Bank. activity.
4. Memonitor kualitas hasil kerja dan kinerja seluruh bidang di 4. Monitor the quality of the work and performance of the entire area
bawahnya agar Rencana Bisnis yang telah ditetapkan dapat tercapai. under it, making sure that the Business Plan which has been set can
be achieved.
5. Memantau serta mengendalikan penerapan manajemen risiko dan 5. Monitor and control the application of risk management and the
penerapan prinsip-prinsip GCG pada bidang-bidang di bawahnya. BQQMJDBUJPOPGUIFQSJODJQMFTPG($(JOUIFJSmFMET

1. Memastikan berjalannya prinsip kehati-hatian dan kepatuhan 1. Ensure the course of the precautionary principle and compliance with
terhadap Peraturan Bank Indonesia, Peraturan Perundang-undangan Bank Indonesia regulations, legislation and other applicable Internal
dan Peraturan Internal Bank lainnya yang berlaku. regulations.
2. Memastikan informasi yang terkait dengan bidang-bidang di &OTVSFBMMJOGPSNBUJPOSFMBUFEUPUIFBSFBTJOJUTmFMEBSFBMXBZT
bawahnya selalu tersedia untuk Dewan Komisaris dan Bank available for the Board of Commissioners and Bank Indonesia.
Indonesia.

Introduction
Management Report
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Corporate Data
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BOARD OF DIRECTORS
Direktur Kepatuhan dan Manajemen Risiko

Director of Compliance and Risk Management
Tugas Duties
1. Mengkoordinasikan, mengendalikan, mengembangkan, membina, 1. Coordinate, control, develop, build, manage and evaluate the
mengelola serta mengevaluasi pelaksanaan tugas operasional dari JNQMFNFOUBUJPOPGUIFPQFSBUJPOBMEVUJFTPGJUTTVQQPSUJOHmFMET
bidang-bidang di bawahnya.
2. Melakukan koordinasi dengan Dewan Komisaris melalui Komite 2. To coordinate with the Board of Commissioners through the Risk
Pemantau Risiko baik atas inisiatifnya maupun atas permintaan Monitoring Committee either on its own initiative or at the request
Dewan Komisaris dalam rangka pengendalian, pengembangan, of the Board of Commissioners in order to control, develop, guide
pembinaan dan pengawasan operasional Bank, khususnya yang and supervise bank operations, particularly in regards to risk
terkait dengan manajemen risiko. management.
3. Melakukan pemantauan unsur kepatuhan dan pengendalian risiko 3. To monitor compliance and risk control element of the entire unit of
terhadap seluruh satuan kerja Bank. the Bank.
4. Memonitor kualitas hasil kerja dan kinerja seluruh bidang di 4. Monitor the quality of work and performance of the entire area
bawahnya agar Rencana Bisnis yang telah ditetapkan dapat tercapai. subsidiary to it, ensuring the Business Plan which has been set can
be achieved.
5. Melaporkan kepada Bank Indonesia atas pelaksanaan tugas dan 5. Report to Bank Indonesia on the performance of duties and
tanggung jawabnya secara setiap semester dan laporan adanya SFTQPOTJCJMJUJFTPGFBDITFNFTUFSBOESFQPSUWJPMBUJPOTJOmOBODFBOE
pelanggaran di bidang keuangan dan perbankan maupun keadaan banking as well as circumstances that may endanger the continuity of
yang membahayakan kelangsungan Bank. the Bank. .
6. Memantau pelaksanaan prinsip kehati-hatian dan mengantisipasi 6. Monitor the implementation of the precautionary principles and
risiko serta pelaksanaan GCG melalui Rapat Direksi, Rapat Komite anticipate the risks and the implementation of GCG through the
Pemantau Risiko ataupun Rapat Komite Manajemen Risiko terutama Board of Directors Meeting, the Risk Monitoring Committee Meeting
pada ketentuan KPMM, BMPK, KAP, PPAP, Transaksi Valas/PDN. or Meeting of the Risk Management Committee, especially in terms of
CAR, LLL, KAP, PPAP, Forex transactions/ NOP.
7. Memberi masukan kepada Direksi mengenai Peraturan Bank 7. Advise the Board of Directors on Bank Indonesia Regulation and
Indonesia dan perundang-undangan yang berlaku agar keputusan MFHJTMBUJPOBQQMJDBCMFUPUIFEFDJTJPOTUBLFOBWPJEJOHDPOnJDUTXJUI
yang diambil tidak bertentangan dengan ketentuan tersebut. these provisions.
8. Mengkaji rancangan keputusan sehingga tidak mengandung 8. Review the draft decision ensuring it does not contain an element
unsur penyimpangan terhadap Peraturan Bank Indonesia maupun of inconsistency with the Bank Indonesia Regulation and legislation
peraturan perundang-undangan yang berlaku serta Anggaran Dasar applicable and Articles of Association of Banks.
Bank.
9. Mengevaluasi dan menyetujui rencana kerja dari masing-masing &WBMVBUFBOEBQQSPWFUIFXPSLQMBOTPGFBDIPGJUTTVQQPSUJOHmFMET
bidang di bawahnya untuk memastikan bahwa Bank telah to ensure that the Bank has applied the precautionary principles, the
menerapkan prinsip kehati-hatian, penerapan manajemen risiko serta application of risk management as well as meeting all Bank Indonesia
memenuhi seluruh Peraturan Bank Indonesia, peraturan perundang- Regulation, legislation and other applicable internal regulations.
undangan serta peraturan internal lainnya yang berlaku.
10. Mensosialisasikan Peraturan Bank Indonesia, peraturan perundang- 10. Socializes Bank Indonesia Regulations, the latest legislations to
undangan terbaru kepada pihak-pihak terkait. relevant parties.
1. Memastikan semua rancangan keputusan yang menjadi cakupan 1. Ensure all draft coverage decisions become known and tested, taking
tugasnya telah diketahui dan diuji, sepanjang rancangan keputusan into account that all draft decision was presented publicly to the
tersebut disampaikan secara terbuka kepada Direktur yang Director who heads the Compliance Function;
Membawahkan Fungsi Kepatuhan;
2. Memastikan bahwa rancangan keputusan yang menurut pengkajian 2. Ensure that draft decision assessed by director who heads an
Direktur yang Membawahkan Fungsi Kepatuhan mengandung unsur element of Compliance function that is considered a breach is strictly
pelanggaran benar-benar dipatuhi untuk tidak dilaksanakan oleh BEIFSFEUPPSOPUDBSSJFECZUIFPGmDJBMEFDJTJPONBLFSPSGPSVN
forum atau pejabat pembuat keputusan;
3. Memastikan bahwa Bank telah memenuhi seluruh peraturan Bank &OTVSFUIBUUIF#BOLIBTGVMmMMFEBMM#BOL*OEPOFTJBSFHVMBUJPOT PUIFS
Indonesia, peraturan Perundang-undangan lainnya dan Kebijakan legislations and Internal Bank Policy applicable in order to ensure
Intern Bank yang berlaku dalam rangka menjamin kepatuhan compliance with laws and principles of prudence;
terhadap hukum dan prinsip kehati-hatian;
4. Memastikan Good Corporate Governance telah dilaksanakan; 4. Ensuring GCG have been implemented;
5. Memastikan penerapan prinsip mengenal nasabah telah 5. Ensure the application of Know Your Customer principles have been
dilaksanakan; implemented;
6. Memastikan Manajemen Risiko Kepatuhan telah dilaksanakan. 6. Ensuring Compliance Risk management has been implemented.

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Frekuensi dan Tingkat Kehadiran Direksi dalam Frequency and Attendance of Board of Directors
Pertemuan/Rapat in Meetings/Meetings
Rapat Direksi Board of Directors Meeting

Direksi menyelenggarakan rapat sekurang-kurangnya setiap Board of Directors held a meeting at least once every month
bulan sekali atau pada setiap waktu bilamana dianggap or at any time if deemed necessary by one or more members
perlu oleh salah satu atau lebih anggota Direksi atau atas of the Board of Directors or upon written request of one or
permintaan tertulis dari seorang atau lebih anggota Dewan more members of the Board of Commissioners. Decision-
Komisaris. Mekanisme pengambilan keputusan dalam rapat making mechanisms at the meeting of Directors is based on
Direksi berdasarkan atas musyawarah untuk mufakat. Apabila deliberation to reach a consensus. If consensus can not be
mufakat tidak dapat tercapai, pengambilan keputusan reached, the decision-making is based on majority vote of the
didasarkan pada suara mayoritas anggota Direksi yang Directors that are present or represented at the meeting. If the
hadir atau yang mewakili pada rapat. Apabila jumlah suara number of votes is equal, the chairman of the Board Meeting
berimbang, maka ketua rapat direksi yang akan menentukan. will then decide. The quorum for all meetings of Directors is
Kuorum untuk seluruh Rapat Direksi adalah lebih dari separuh more than half of the Directors are present or represented
jumlah anggota Direksi yang hadir atau diwakili kuasa yang by the power given to one member of the Board of Directors
diberikan kepada salah satu anggota Direksi yang hadir pada present at such meeting.
rapat tersebut.
Selama periode 2014 telah melaksanakan 14 kali rapat Direksi During the period 2014 meeting of the Board of Directors has
dengan rincian kehadiran sebagai berikut: implemented a total of 14 times with the details of attendance
are as follows:
Tabel Kehadiran Direksi dalam Rapat Direksi (Komposisi Direksi bank bjb sebelum RUPS-LB tanggal 1 Juli 2014)
Table of the Board of Directors Meeting Attendance (The composition of the Board of Directors of the bank bjb before EGM on July 1,
2014)
Jumlah Kehadiran/
Nama Total Attendance Presentase/
Name Precentage
Bien Subiantoro 4 100%
Arie Yulianto 4 100%
Zaenal Aripin 4 100%
Djamal Muslim 4 100%
Tabel Kehadiran Direksi Dalam Rapat Direksi (Komposisi Direksi bank bjb setelah RUPS-LB tanggal 1 Juli 2014)
Table of the Board of Directors Meeting Attendance (The composition of the Board of Directors of the bank bjb after EGM on July 1, 2014)
Jumlah Kehadiran/
Name Precentage
Ahmad Irfan 9 100%

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BOARD OF DIRECTORS
Tabel Kehadiran Direksi dalam Rapat Direksi (Komposisi Direksi bank bjb setelah RUPS-LB tanggal 19 Desember 2014)
Table of the Board of Directors Meeting Attendance (The composition of the Board of Directors of the bank bjb after EGM on December
19, 2014)
Jumlah Kehadiran/
Name Precentage
Ahmad Irfan 1 100%
Nia Kania 1 100%
Suartini 1 100%
Fermiyanti 1 100%
Agus Gunawan 1 100%
Benny Santoso 1 100%
#FSEBTBSLBO"LUB/PNPSNFOHFOBJ1FSOZBUBBO,FQVUVTBO361415#BOL1FNCBOHVOBO%BFSBI+BXB#BSBUEBO#BOUFO 5CL EJUFUBQLBOTFCBHBJ%JSFLTJ1FSTFSPBOTFKBLUBOHHBM%FTFNCFS
#BTFEPOUIF"DU/PPGUIF4UBUFNFOUPG(.43FHJPOBM%FWFMPQNFOU#BOLPG8FTU+BWBBOE#BOUFO 5CL EFmOFEBTUIF#PBSEPG%JSFDUPSTPGUIF$PNQBOZTJODF%FDFNCFS
Selama tahun 2014, Direksi Perseroan telah menyelenggarakan During 2014, the Board of Directors of the Company held
Rapat Gabungan Dewan Komisaris dan Direksi sebanyak 28 28 times Join Meeting of the Board of Commissioners and
kali, dengan tingkat kehadiran sebagai berikut: Directors, with the rate of attendance as follows:
Tabel Kehadiran Direksi dalam Rapat Gabungan Direksi dan Dewan Komisaris
Table of Attendance of Join Meeting of the Board of Directors and the Board of Commissioners
Jumlah Kehadiran/
Name Precentage
#JFO4VCJBOUPSP 3 10,71%
"SJF:VMJBOUP 3 10,71%
%KBNBM.VTMJN 3 10,71%
Ahmad Irfan 11 39,29%
Zaenal Aripin 22 78,57%
/JB,BOJB 1 3,57%
4VBSUJOJ 1 3,57%
'FSNJZBOUJ 1 3,57%
"HVT(VOBXBO 1 3,57%
#FOOZ4BOUPTP 1 3,57%
1FSJPEF%JSFLTJCBOLbjb sebelum RUPS-LB tanggal 1 Juli 2014
#FSEBTBSLBO"LUB/PNPSNFOHFOBJ1FSOZBUBBO,FQVUVTBO361415#BOL1FNCBOHVOBO%BFSBI+BXB#BSBUEBO#BOUFO 5CL EJUFUBQLBOTFCBHBJ%JSFLTJ1FSTFSPBOTFKBLUBOHHBM%FTFNCFS
menjabat sebagai Dewan Komisaris Perseroan sejak tanggal 19 Desember 2014 sesuai Akta Keputusan RUPS-LB nomor 221
#PBSEPG%JSFDUPST1FSJPEPGUIFCBOLbjb before EGM on July 1, 2014
#BTFEPOUIF%FFE/PPOUIF(.4%FDJTJPO4UBUFNFOUPG15#BOL1FNCBOHVOBO%BFSBI+BXB#BSBUEBO#BOUFO 5CL BQQPJOUFEBT%JSFDUPSTPGUIF$PNQBOZ FGGFDUJWF%FDFNCFS4FSWFEBTUIF
Board of Commissioners of the Company, effective 19 December 2014 in accordance with the Extraordinary GMS Decision Deed no. 221
Agenda Rapat Gabungan Direksi dan Dewan Komisaris

Agenda of Join Meeting of the Board of Directors and the Board of Commissioners

Agenda Agenda
Date of Meeting
3 Januari 2014 - Kepegawaian - Personnel
January 3, 2014
4 Maret 2014 - Compliance Checklist - Compliance Checklist
March 4, 2014
3 April 2014 - Presentasi Divisi SDM tentang Usulan Pemberian - Presentation of the Human Resources Division on the
April 3, 2014 Jasa Produksi Tahun Buku 2013 proposal for bonuses in Fiscal Year 2013
28 Mei 2014 - Laporan Kinerja - Performance Report
May 28, 2014 - Pemeringkatan GCG tahun 2013 - The GCG ranking in 2013

Pendahuluan
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Agenda Rapat Gabungan Direksi dan Dewan Komisaris

Agenda of Join Meeting of the Board of Directors and the Board of Commissioners

Agenda Agenda
Date of Meeting
19 Juni 2014 - Revisi Rencana Bisnis Bank Tahun 2014-2016 - Revised Bank Business Plan for Year 2014-2016
June 19, 2014
21 Juli 2014 - Kepegawaian - Personnel
July 21, 2014
5 Agustus 2014 - Rapat Koordinasi Direksi dengan Para Pemimpin - Coordination Meeting between Directors and Head
August 5, 2014 Divisi mengenai evaluasi kinerja dan perkembangan of Division regarding the evaluation of performance
terkini bank bjb and the latest developments in bank bjb
- Pemaparan perkembangan kredit KPR dan kredit - Exposure mortgage loans and Micro credit
Mikro developments
25 September 2014 - Pengajuan Sewa ATM bank bjb - Submission of bank bjb ATM Rental
September 5, 2014 - Pengadaan Jasa Keamanan dan 0GmDF4VQQPSU 1SPDVSFNFOUPG4FDVSJUZBOE0GmDF4VQQPSU
(Management Building) (Management Building)
1FNCBZBSBO"OHTVSBOEBO1FOHFNCBMJBO4FSUJmLBU *OTUBMMNFOU1BZNFOUBOE3FGVOE$FSUJmDBUFPG
T-Tower T-Tower
- Arah Strategi Direksi Tahun 2014 - Strategy Direction in 2014 the Board of Directors
- Penetapan Limit Kewenangan Memutus Kredit - Determining the limit of the credit authority by the
Direktur Komersial Commercial Director
22 Oktober 2014 - Pembahasan Kebijakan Umum Direksi Tahunan - Discussion of the Board of Directors Annual General
October 22, 2014 (KUDT) Tahun 2015 Policy (KUDT) 2015
29 Oktober 2014 - Pembahasan Kebijakan Umum Direksi Tahunan - Discussion of the Board of Directors Annual General
October 29, 2014 (KUDT) Tahun 2015 Policy (KUDT) 2015
6 November 2014 - IPK (Insentif Prestasi Kerja) Tahun 2014 - IPK (Job Performance Index) 2014
November 6, 2014
20 November 2014 - Rencanan Bisnis bank bjb tahun 2015-2017 - bank bjb Business Plan for 2015-2017
November 20, 2014
1 Desember 2014 - Pembayaran Angsuran Gedung T-Tower dengan Tim - Installment Payment for T-Tower Building with Land
December 1, 2014 Pengadaan Tanah dan/atau Bangunan and/or Building Procurement Team
2 Desember 2014 - IPK (Insentif Prestasi Kerja) Tahun 2014 - IPK (Job Performance Index) 2014
December 2, 2014
30 Desember 2014 - Pembahasan Pembayaran Angsuran gedung - Discussion on Installment Payment for T-Tower
December 30, 2014 T-Tower dengan Tim Pengadaan dan/atau Building with Land and/or Building Procurement
Bangunan Team
- Pembahasan Fasilitas COP (Car Ownership - Discussion of COP (Car Ownership Program)
Program) - Discussion of the Vehicle Facilities for managers in
- Pembahasan Fasilitas Kendaraan Dinas Pengurus) 2015
Tahun 2015
Program Pelatihan Peningkatan Kompetensi Direksi Board of Directors’ Competency Training

Demi meningkatkan wawasan dan pengetahuan terkait In order to enhance insight and knowledge related to the
dengan fungsi dan tugasnya, selama tahun 2014 Direksi functions and duties, during the year 2014 the Board of
Perseroan telah mengikuti beragam program pelatihan dan Directors have attended various training and development
pengembangan sebagai berikut: program as follows:
Program Pelatihan Peningkatan Kompetensi Direksi Tahun 2014

Board of Directors Competence Development Programs in 2014
Lokasi/Location
Ahmad Irfan Tata Kelola Perusahaan
Jakarta 17 Juli/July 2014 17 Juli/July 2014
4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM 20 Mei/May 2014 20 Mei/May 2014
Bandung
3JTL.BOBHFNFOU$FSUJmDBUJPO-FWFM
Zaenal Aripin Aspek Hukum Kepailitan 4 Desember/ 5 Desember/
Jakarta
Legal Aspects of Bankruptcy December 2014 December 2014

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BOARD OF DIRECTORS
Program Pelatihan Peningkatan Kompetensi Direksi Tahun 2014

Board of Directors Competence Development Programs in 2014
Lokasi/Location
Implementasi Basel III
Jakarta
Implementation of Basel III 21 Mei/May 2014 21 Mei/May 2014
Internal QMS Auditor Training 15 Desember/ 16 Desember/
Singapura
Internal QMS Auditor Training December 2014 December 2014
Workshop Calon Assesor Bidang Perbankan 13 Maret/March 17 Maret/March
Jakarta
Assessor Candidate Workshop Banking 2014 2014
Nia Kania Advance Good Corporate Governence (GCG) for Banking 16 Desember/ 18 Desember/
Jakarta
Advance Good Corporate Governence (GCG) for Banking December 2014 December 2014
ERMA Bali International Seminar on Enterprice Risk
Management 2014/ERMA Bali International Seminar on Bali 4 Desember/ 5 Desember/
Enterprice Risk Management 2014 December 2014 December 2014
Seminar Prospek Investasi Dana Pensiun Era Pemerintahan
Baru 2014/Seminar on Investment Prospects Era New 7 Agustus/August 8 Agustus/August
Government Pension Fund in 2014 Manado 2014 2014
3JTL.BOBHFNFOU$FSUJmDBUJPO-FWFM Bandung 20 Mei/May 2014 20 Mei/May 2014
Penerapan GCG sebagai Landasan Mewujudkan BPD Regional
Suartini
Champions/GCG implementation as Platform Delivering BPD
Regional Champions Bengkulu 13 April/April 2014 15 April/April 2014
3JTL.BOBHFNFOU$FSUJmDBUJPO-FWFM Bandung 20 Mei/May 2014 20 Mei/May 2014
Fermiyanti Pelatihan Appraisal Property 20 Februari/February 21 Februari/February
Property Appraisal Training Lombok 2014 2014
4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM 9 Agustus/August 9 Agustus/August
3JTL.BOBHFNFOU$FSUJmDBUJPO-FWFM Jakarta 2014 2014
Sespibank
Benny Santoso
Sespibank Norwegia - Swedia 9 Mei/May 2014 18 Mei/May 2014
Workshop Generation Y in the Workplace 28 Agustus/August 28 Agustus/August
Agus Gunawan
Workshop Generation Y in the Workplace Jakarta 2014 2014
Program Orientasi bagi anggota Direksi Baru Orientation Program for New member of the Board of
Seperti halnya pada Komisaris, bagi anggota Direksi baru Directors
juga diberikan Program Orientasi atau Pengenalan. Hal itu Similar to the program for Commissioners, new members of
dilakukan demi kelancaran pelaksanaan tugas yang akan the Board of Directors are also provided with an Orientation or
dijalankan. Program Orientasi ini sangat penting untuk introduction Program. This is performed in order to smoothen
dilaksanakan, mengingat Direksi berasal dari berbagai latar the implementation of the tasks to be executed. This orientation
belakang, sehingga untuk dapat membentuk tim kerja yang program is very important, given the members of the Board of
solid, Program Orientasi tersebut menjadi sangat bermanfaat Directors come from various backgrounds, so as to be able to
untuk dijalankan. form a solid team work, the Orientation Program is very useful.
Program Pengenalan yang diberikan dapat berupa The Introduction Program includes presentations, meetings
presentasi, pertemuan atau kunjungan ke fasilitas or visits to Company facilities, introduction to the Heads of
Perusahaan, perkenalan dengan para Pimpinan Divisi, the Divisions, Groups and Employees of the Bank as well as
Kelompok dan Karyawan di Bank serta program lainnya. other programs.
Beberapa materi pada Program Orientasi, antara lain Some of the materials of the Orientation Program, among
mengenai: others, include:
1. Tugas dan tanggung jawab Direksi berdasarkan hukum. 1. Duties and responsibilities of the Board of Directors based
2. Tugas dan tanggung jawab anggota Direksi yang baru, on the law.
termasuk keterangan berkaitan dengan kewenangan 2. The duties and responsibilities of the new members of the
yang didelegasikan. Board of Directors, including information related to the
3. Pelaksanaan prinsip-prinsip GCG oleh bank bjb. delegated authorities.
3. The implementation of corporate governance principles
by bank bjb.

Pendahuluan
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DIREKSI
4. Gambaran mengenai bank bjb berkaitan dengan tujuan, 4. Overview of bank bjb with regard to the objectives, nature,
sifat, lingkup kegiatan, kinerja keuangan dan operasi, TDPQFPGBDUJWJUJFT mOBODJBMBOEPQFSBUJPOBMQFSGPSNBODF
strategi, rencana usaha jangka pendek dan jangka strategies, short-term and long-term business plans,
panjang, posisi kompetitif, risiko dan masalah-masalah competitive position, risks and other strategic issues.
strategis lainnya. 5. Work Guidelines and Rules of the Board of Commissioners
5. Pedoman dan Tata Tertib Kerja Dewan Komisaris dan and the Committees under the Board of Commissioners
Komite-komite di bawahnya. 6. Business activities/investments being carried out by the
6. Kegiatan usaha/investasi yang sedang dijalankan oleh Bank.
Bank.
Pedoman Tanggung Jawab Direksi (Board Charter) Directors Responsibilities Manual (Board Charter)
Sesuai dengan Surat Keputusan Direksi nomor 519/SK/Dir- Pursuant to the BOD Decree No. 519/SK/Dir-CS/2011 dated
CS/2011 tanggal 20 September 2011,mengenai tanggung September 20, 2011 on the Board Charter, responsibilities of
jawab Direksi adalah sebagai berikut: BOD are as follow:
1. Bertanggung jawab atas Laporan Keuangan. 1. Being responsible for the Financial Statements
2. Dalam penyelenggaraan tugas yang bersifat strategis *OUIFJNQMFNFOUBUJPOPGTUSBUFHJDUBTLTGPSUIFCFOFmUPG
untuk kepentingan maksud dan tujuan Bank, bertanggung intents and purposes of the Bank, responsible collegial.
jawab secara kolegial. Setiap anggota Direksi bertanggung Each member of the Board of Directors is responsible
jawab dalam menyelenggarakan kegiatan operasional for conducting the operational activities of the strategic
dari keputusan yang bersifat strategis dan keputusan decisions and other decisions in accordance with the
lainnya sesuai dengan tugas dan wewenangnya. duties and responsibilities.
3. Wajib mempertanggung jawabkan pelaksanaan tugasnya 3. Obliged to be held accountable for the implementations of
kepada RUPS. duties to the GMS.
4. Dalam rangka mempertahankan kesinambungan usaha 4. In order to maintain the burners continuity of the Bank,
Bank, harus dapat memastikan dipenuhinya tanggung BOD must ensure compliance with the Bank’s social
jawab sosial Bank yaitu dengan adanya perencanaan responsibility with a clear written plan and focus in
tertulis yang jelas dan fokus dalam melaksanakan implementing the Bank’s social responsibility.
tanggung jawab sosial Bank. 5. Any decision taken is in accordance with the guidelines
5. Segala keputusan yang diambil sesuai dengan pedoman and regulations binding the work and the responsibility of
dan tata tertib kerja mengikat dan menjadi tanggung all members of the Board of Directors.
jawab seluruh Direksi. 6. Responsible for the implementation of Business Ethics and
6. Bertanggung jawab atas penerapan Etika Usaha dan Tata Corporate Conduct within the Company.
Perilaku di lingkungan Perusahaan.
Kebijakan Mengenai Suksesi Direksi Policies Regarding Succession of Board of Directors

Dalam rangka melanjutkan kepemimpinan yang berkelanjutan, In order to continue the sustainable leadership, bank bjb
bank bjb memiliki mekanisme suksesi untuk posisi Direksi has a structure mechanism of succession of the Board of
yang terstruktur. Directors position.
Pada periode yang telah ditentukan, Dewan Komisaris In the given period, the Board of Commissioners through the
melalui Komite Remunerasi dan Nominasi menyelenggarakan Remuneration and Nomination Committee held a candidate
perekrutan untuk menjadi kandidat Direksi, yang berasal dari recruitment for the Board of Directors, which is derived from
bank bjb sendiri maupun dari luar bank bjb. bank bjb or from outside of bank bjb.
Para kandidat tersebut selanjutnya akan diases oleh tim The candidates will be assessed by an independent
independen yang telah ditunjuk bank bjb, untuk disaring team that appointed by bank bjb UP CF mMUFSFE CBTFE PO
berdasarkan kriteria-kriteria yang relevan dengan jabatan dan the criteria that are relevant to the position and condition of
kondisi bank bjb. bank bjb.

Introduction
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BOARD OF DIRECTORS
Hasil penyaringan tersebut oleh assessor eksternal diserahkan The screening results by the external assessor submitted to
kepada Komite Remunerasi dan Nominasi, untuk kemudian the Remuneration and Nomination Committee, to be raised
diajukan kepada OJK guna melaksanakan mUBOEQPQFSUFTU UP UIF '4" JO PSEFS UP DBSSZ PVU UIF mU BOE QPQFS UFTU BOE
dengan sepengetahuan pemegang saham. informed to the shareholders.
,BOEJEBU ZBOH UFMBI MPMPT mU BOE QSPQFS UFTU EJBKVLBO VOUVL $BOEJEBUFT XIP IBWF QBTTFE UIF mU BOE QSPQFS UFTU JT
dipilih menjadi anggota Direksi melalui mekanisme RUPS. proposed to be elected as member of the Board of Directors
through the GMS mechanism.
+XEXQJDQ $ÀOLDVL .HXDQJDQ GDQ .HOXDUJD DQJJRWD $IÀOLDWHG 5HODWLRQVKLS )LQDQFLDO DQG )DPLO\ RI
Direksi dengan anggota Dewan Komisaris, Direksi members of the Board of Directors with members of
lainnya dan/atau Pemegang Saham Pengendali Bank. the Board of Commissioners, other Board of Directors
4FMVSVI BOHHPUB %JSFLTJ UJEBL NFNJMJLJ IVCVOHBO BmMJBTJ members and/or Controlling Shareholders of the Bank.
dengan sesama anggota Direksi, dengan anggota Dewan "MMNFNCFSTPGUIF#PBSEPG%JSFDUPSTEPFTOPUIBWFBOBGmMJBUF
Komisaris, maupun dengan Pemegang Saham Utama dan/ relationship with other members of the Board of Directors, the
atau Pengendali. members of the Board of Commissioners, as well as the Major
Shareholder and/or Controller.
Hubungan Keuangan/ Hubungan Keluarga/
Financial Relationship Family Relationship
Pemegang Saham Pemegang Saham
Nama/ Dewan Komisaris/ Direksi/ Dewan Komisaris/
Pengendali/ Pengendali/ Direksi/
Board of Board of Directors Board of
Name Controlling Controlling Board of Directors
Commissioners Commissioners
Shareholder Shareholder
Tidak/ Ada/ Tidak/ Ada/ Tidak/ Ada/ Tidak/ Ada/ Tidak/ Ada/ Tidak/
Ada/Yes
No Yes No Yes No Yes No Yes No Yes No
Ahmad Irfan - ʚ - ʚ - ʚ - ʚ - ʚ - ʚ
Zaenal Aripin - ʚ - ʚ - ʚ - ʚ - ʚ - ʚ
Nia Kania - ʚ - ʚ - ʚ - ʚ - ʚ - ʚ
Suartini - ʚ - ʚ - ʚ - ʚ - ʚ - ʚ
Fermiyanti - ʚ - ʚ - ʚ - ʚ - ʚ - ʚ
Agus Gunawan - ʚ - ʚ - ʚ - ʚ - ʚ - ʚ
Benny Santoso - ʚ - ʚ - ʚ - ʚ - ʚ - ʚ
Hubungan Direksi dan Dewan Komisaris Relationship of the Board of Commissioners and
Secara umum, hubungan Direksi dengan Dewan Komisaris Directors
sesuai Anggaran Dasar Bank dan Peraturan Perundang- In general, the relationship of Directors with the Board of
undangan serta Peraturan Bank Indonesia yang berlaku, Commissioners shall be in accordance with the Bank’s Articles
adalah: of Associations and Rules and Regulations, and Regulation of
a. Direksi dan Dewan Komisaris secara bersama-sama Bank Indonesia, which are:
menandatangani dokumen Perusahaan, yaitu Rencana a. The Board of Directors and the Board of Commissioners
Korporasi, Rencana Bisnis, dan Laporan Keuangan jointly sign the Corporate documents, namely the
Tahunan Bank; Corporate Plan, the Business Plan and the Annual
b. Transaksi yang berdiri sendiri ataupun yang Direksi Financial Statements of the Bank;
bertanggung jawab untuk memastikan agar semua b. Stand-alone transaction or transaction that the Board of
informasi mengenai Bank secara tepat waktu dan lengkap Directors is responsible for, to ensure that all information
disampaikan kepada Dewan Komisaris; regarding the Bank is submitted to the Board of

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DIREKSI
c. Direksi wajib memberikan akses atas informasi Bank Commissioners in a complete and timely manner;
secara tepat waktu dan lengkap kepada Dewan Komisaris; c. The Board of Directors is required to provide access to
d. Direksi wajib membebaskan para anggota Dewan Bank information in a complete and timely manner to the
Komisaris untuk secara bersama-sama maupun Board of Commissioners;
sendiri setiap waktu dalam jam kerja Bank, berhak d. The Board of Directors shall relieve the Board of
memasuki bangunan dan halaman atau tempat lain yang Commissioners to jointly or individually at any time in
dipergunakan atau yang dikuasai oleh Bank dan berhak Bank’s working hours, the right to enter the building and
memeriksa semua pembukuan, surat dan alat bukti yard or other place used or occupied by the Bank and
lainnya, persediaan barang, memeriksa dan mencocokkan the right to inspect all books, letters and other evidence,
LFBEBBO VBOH LBT VOUVL LFQFSMVBO WFSJmLBTJ
EBO MBJO the supply of goods, to check and match the condition of
lain surat berharga serta berhak untuk mengetahui segala DBTI GPS WFSJmDBUJPO QVSQPTFT
BOE PUIFS TFDVSJUJFT BOE
tindakan yang dijalankan oleh Direksi; are entitled to know all actions performed by the Board of
e. Direksi dan tiap anggota Direksi wajib untuk memberikan Directors;
penjelasan tentang segala hal yang ditanyakan oleh e. The Board of Directors and each member of the Board of
anggota Dewan Komisaris; Directors is obligated to provide explanations regarding all
f. Atas permintaan tertulis dari Dewan Komisaris, Direksi matters asked by members of the Board of Commissioners;
memberikan keterangan hasil pemeriksaan atau hasil f. Upon written request of the Board of Commissioners,
pelaksanaan tugas Internal Audit; the Board of Directors provide information regarding the
g. Menyampaikan laporan keuangan bulanan sesuai examination or implementation result of the Internal Audit
permintaan Dewan Komisaris; work implementation;
h. Menyampaikan surat permohonan persetujuan tambahan H $POWFZ UIF NPOUIMZ mOBODJBM SFQPSU BT SFRVFTUFE CZ UIF
modal disetor untuk mendapat persetujuan Dewan Board of Commissioners;
Komisaris; h. Submit a letter of application for approval of additional
i. Menyampaikan laporan pelaksanaan manajemen risiko paid-up capital to get the approval of the Board of
dan laporan pelaksanaan tugas bidang kepatuhan kepada Commissioners;
Dewan Komisaris; i. Convey the implementation of risk management report
j. Menyampaikan materi RUPS/RUPSLB untuk menjadi BOE UIF SFQPSU JO UIF mFME PG DPNQMJBODF UP UIF #PBSE PG
bahan keputusan bersama dan mendapat persetujuan Commissioners;
Dewan Komisaris dengan Direksi; j. Convey the materials for the GMS/ Extraordinary GMS
k. Jika dianggap perlu, Dewan Komisaris dapat meminta to be a joint decision and approved by the Board of
secara langsung informasi dari fungsi-fungsi manajemen Commissioners with the Board of Directors;
terkait operasional Bank untuk melaksanakan fungsi k. If deemed necessary, the Board of Commissioners
pengawasan dengan sepengetahuan Direksi; may request information directly from the management
functions related to Bank operations to carry out monitoring
l. Direksi dan atau pejabat Bank lainnya wajib menghadiri
functions at the discretion of the Directors;
undangan rapat Dewan Komisaris dengan sepengetahuan
M 5IF #PBSE PG %JSFDUPST BOE PUIFS #BOL PGmDJBMT NVTU
Direksi;
attend the meeting of the Board of Commissioners at the
m. Direksi wajib memberikan akses atas informasi Bank
discretion of the Board of Directors;
kepada Komite-komite yang membantu Dewan Komisaris
m. The Board of Directors is required to provide access to
dengan sebelumnya mengirimkan pemberitahuan terlebih
bank information to the Committees assisting the Board of
dahulu melalui Dewan Komisaris kepada Direksi;
Commissioners with advance notice through the Board of
n. Direksi dapat mengundang anggota Dewan Komisaris jika
Commissioners to the Board of Directors;
diperlukan pendapatnya dalam Rapat Direksi;
n. The Board of Directors may invite members of the Board
o. Risalah Rapat Direksi harus tersedia apabila diminta oleh
of Commissioners if its opinion is needed in the Board of
anggota Dewan Komisaris;
Directors Meeting;
p. Direksi mempunyai hak dan wewenang untuk menetapkan
o. The Minutes of the Board of Directors Meeting shall be made
kebijaksanaan Perseroan berdasarkan persetujuan Dewan
available if requested by the Board of Commissioners;

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BOARD OF DIRECTORS
Komisaris dalam menjamin kepengurusan Perseroan, p. The Board of Directors has the right and authority to set
kecuali ditetapkan lain berdasarkan peraturan perundang- Company policies based on the approval of the Company’s
undangan; Board of Commissioners in ensuring the management of
q. Direksi menetapkan susunan Organisasi dan tata kerja the Company, unless stipulated otherwise by laws and
Perseroan dengan persetujuan Dewan Komisaris; regulations;
r. Direksi berdasarkan persetujuan tertulis Dewan Komisaris q. The Board of Directors establishes the composition of the
dengan berpedoman kepada perundang-undangan yang organization and working procedures of the Company with
berlaku dapat melakukan hal-hal sebagai berikut: the approval of the Board of Commissioners;
• Mengadakan kerja sama Bangun Guna Serah (Built, r. Based on the written consent of the Board of
Operate, and Transfer/BOT), Bangun Guna Milik (Built, Commissioners, the Board of Directors, with reference to
Operate and Own/BOO) dan perjanjian-perjanjian lain the applicable legislations, can do the following:
yang mempunyai sifat yang sama. • Establish a Built, Operate, and Transfer (BOT)
• Mengambil bagian atau ikut serta dalam Perseroan/ agreement, Built, Operate, and Own (BOO) agreement,
badan-badan lain atau menyelenggarakan perusahaan and other agreements that have the same properties.
baru yang tidak dalam rangka penyelamatan piutang, • Take part or participate in other Company/agencies
sesuai dengan ketentuan yang berlaku. or organizing a new company that is not in order to
• Melepaskan sebagian atau seluruhnya penyertaan rescue receivable, in accordance with the applicable
Perseroan dalam perusahaan atau badan-badan lain. regulations.
• Menggunakan cadangan untuk penghapusan kredit • Waive some or all of the Company’s investments in
kepada pihak terkait sebagaimana diatur dalam companies or other entities.
ketentuan Batas Maksimum Pemberian Kredit (BMPK) • Use the reserve to eliminate credit to related parties
Umum atau peraturan perundangan yang berlaku. as stipulated in the Legal Lending Limit (LLL) or the
• Melakukan hapus tagih terhadap pokok kredit applicable legislations.
yang diberikan kepada pihak terkait sesuai dengan • Erase the principal receivable on loans to related
peraturan perundangan yang berlaku. parties in accordance with the applicable regulations.
s. Transaksi yang terdiri sendiri ataupun yang berkaitan satu
s. Stand alone transaction or transactions that are associated
sama lain, yang terjadi dalam jangka waktu 1 (satu) tahun
with one another, which occurred within a period of 1
buku atau jangka waktu yang lebih lama sebagaimana
(one) year or longer period as stipulated in the Articles
diatur dalam Anggaran Dasar Perseroan dapat dilakukan
of Association of the Company can be performed by
Direksi dengan persetujuan tertulis dari Dewan Komisaris,
the Directors with the written approval of the Board
dengan memperhatikan peraturan perundang-undangan
of Commissioners, with due regard to particularly the
yang berlaku khususnya peraturan Pasar Modal;
prevailing Capital Market legislations;
t. Dalam hal Bank mempunyai benturan kepentingan
U *O UIF FWFOU UIF #BOL IBT B DPOnJDU PG JOUFSFTU XJUI UIF
dengan kepentingan pribadi seorang anggota Direksi,
private interests of a member of the Board of Directors,
maka Perseroan akan diwakili oleh anggota Direksi lainnya
the Company will be represented by other member of the
dan dalam hal Perseroan mempunyai kepentingan yang
Board of Directors and in the event the Company has an
bertentangan dengan kepentingan seluruh anggota
interest in that are contrary to the interests of all members
Direksi, maka dalam hal ini bank diwakili oleh Dewan
of the Board of Directors, then in this case the bank is
Komisaris;
represented by the Board of Commissioners;
u. Pengurusan Perseroan oleh Direksi pada umumnya,
u. The Management of the Company by the Board of
(baik mengenai Perseroan maupun usaha Perseroan dan
Directors in general, (both regarding the Company and the
memberikan nasehat kepada Direksi) dijalankan dibawah
Company’s business and providing advice to the Board
pengawasan Dewan Komisaris.
of Directors) runs under the supervision of the Board of
Commissioners.

Pendahuluan
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DIREKSI
Assessment terhadap Direksi Assessment of the Board of Directors
Indikator Penilaian Kinerja Direksi Indicators of Performance Assessment of Directors

Penilaian kinerja anggota Direksi dilakukan oleh Rapat The performance assessment of members of the Board
Dewan Komisaris dan/atau sistem lain yang ditetapkan oleh of Directors is carried out by the Board of Commissioners
pemegang saham. Meetings and/ or other system established by the shareholders.
Penilaian kinerja Direksi dirumuskan oleh Komite Remunerasi The performance assessment of the Board of Directors is
dan Nominasi serta ditetapkan oleh Dewan Komisaris setelah formulated by the Remuneration and Nomination Committee
didiskusikan dengan Direksi, sekurang-kurangnya meliputi: and stipulated by the Board of Commissioners after discussion
a. Kinerja Direksi secara kolegial terhadap pencapaian target with the Board of Directors, at least including the following:
Bank sesuai dengan Rencana Korporasi dan Rencana a. Collegial performance of the Board of Directors to the
Bisnis. achievement of Bank’s target in accordance with Corporate
b. Pelaksanaan prinsip-prinsip GCG baik secara individual Plan and Business Plan.
maupun kolegial. b. Implementation of the GCG principles both individually
and collegially
Dewan Komisaris dapat menilai kinerja anggota Direksi The Board of Commissioners may assess the performance
menurut faktor lainnya, antara lain: of the Board of Directors according to other factors, among
a. Pencapaian target dan anggaran yang telah ditetapkan others:
pada awal tahun anggaran. a. Achievement of targets and budget which has been set at
b. Integritas, misalnya benturan kepentingan muncul. UIFCFHJOOJOHPGUIFmTDBMZFBS
c. Pengetahuan dan pemahaman anggota Direksi atas nilai- C *OUFHSJUZ TVDIBTBSJTJOHPGDPOnJDUTPGJOUFSFTU
nilai, misi, rencana strategis serta rencana usaha Bank, c. Knowledge and understanding of members of the Board
EBONFSFnFLTJLBOQFNBIBNBOJOJLFQBEBJTVJTVQFOUJOH of Directors on the values, mission, strategic plan and
sepanjang tahun. CVTJOFTTQMBOPGUIF#BOL BOESFnFDUUIJTVOEFSTUBOEJOH
d. Partisipasi Direksi dalam rapat-rapat termasuk kemampuan to the important issues throughout the year.
untuk menyampaikan, memberikan argumentasi dan d. Participation of the Directors in meetings, including the
memberikan solusi mengenai isu-isu strategis Bank. ability to communicate, argue and provide solutions on
e. Kemampuan Direksi dalam mengikuti isu-isu dan tren strategic issues of the Bank.
yang berpengaruh terhadap Bank, dan menggunakan e. Ability of the Board of Directors in following the issues
informasi tersebut untuk menilai dan mengarahkan kinerja and trends affecting the Bank, and use that information to
Bank, bukan hanya dari tahun ke tahun, akan tetapi juga assess and direct the performance of the Bank, not only
dalam jangka panjang. from year to year, but also in the long run.
f. Hubungan anggota Direksi dengan sesama anggota f. Relationships with fellow members of the Board of
Direksi, dengan Dewan Komisaris dan pihak-pihak Directors, with the Board of Commissioners and other
lain yang diatur dalam Anggaran Dasar dan Peraturan parties set forth in the Articles of Association, Rules and
Perundang-undangan serta Peraturan Bank Indonesia Regulations, and Regulation of Bank Indonesia.
yang berlaku. g. Compliance of Directors in implementing the Articles
g. Ketaatan Direksi dalam melaksanakan Anggaran Dasar, of Associations, applicable legislation regulations, the
Peraturan perundang-undangan yang berlaku, ketetapan provisions of the GMS, the Board of Commissioners
RUPS, ketetapan Dewan Komisaris, dan Peraturan Bank statutes, and Bank Indonesia Regulation.
Indonesia.

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BOARD OF DIRECTORS
Prosedur Penilaian Assessment Procedure

Hasil penilaian Direksi yang dilakukan oleh Dewan Results of the Board of Directors assessment conducted by
Komisaris, tersebut disampaikan kepada Pemegang the Board of Commissioners, are submitted to the
Saham, untuk diputuskan di dalam Rapat Umum Shareholders, to be decided at the Annual General Meeting
Pemegang Saham Tahunan. of Shareholders
Kebijakan Remunerasi Direksi dan Dewan Komisaris Remuneration Policy of the Board of Directors and the
Pemberian remunerasi bagi anggota Dewan Komisaris dan Board of Commissioners
Direksi dihitung berdasarkan formula yang ditetapkan oleh Remuneration for members of the Board of Commissioners
RUPS. Setiap anggota Komisaris dan Direksi berhak menerima and Board of Directors is calculated based on a formula set
sejumlah kompensasi yang diberikan secara bulanan. by the GMS. Each member of the Board of Commissioners
Dewan Komisaris dan Direksi berhak mendapatkan tantiem and Board of Directors is entitled to receive bonus based on
berdasarkan kinerja dan pencapaian perusahaan dengan the performance and assessment of the company with the
besaran yang ditentukan dalam RUPS. Dewan Komisaris BNPVOU TQFDJmFE JO UIF (.4 5IF #PBSE PG $PNNJTTJPOFST
dan Direksi juga berhak mendapatkan tunjangan pada saat BOE %JSFDUPST BSF BMTP FOUJUMFE UP SFDFJWF CFOFmU XIFO UIFZ
mereka telah tidak lagi menjabat sebagai Dewan Komisaris have no longer serve as a Board of Commissioners or Board
ataupun Direksi. of Directors.
Prosedur standar penetapan remunerasi Dewan Komisaris Standard procedure for remuneration determination for the
dan Direksi ditetapkan sebagai berikut: Board of Commissioners and Directors shall be as follows:
a. Dewan Komisaris meminta Komite Nominasi dan a. The Board of Commissioners request the Nomination
Remunerasi untuk menyusun rancangan usulan and Remuneration Committee to draft the proposed
remunerasi. remuneration.
b. Komite Nominasi dan Remunerasi meminta pihak b. The Nomination and Remuneration Committee request an
independen untuk menyusun rancangan remunerasi. independent party to draft the remuneration.
c. Komite Nominasi dan Remunerasi mengusulkan kepada c. The Nomination and Remuneration Committee proposes to
Dewan Komisaris mengenai remunerasi. the Board of Commissioners regarding the remuneration.
d. Dewan Komisaris mengusulkan remunerasi bagi anggota d. The Board of Commissioners proposes remuneration for
Dewan Komisaris dan Direksi kepada RUPS. members of the Board of Commissioners and the Board of
e. RUPS menetapkan remunerasi bagi anggota Dewan Directors to the GMS.
Komisaris dan Direksi. e. The GMS determines the remuneration for members of the
Board of Commissioners and the Board of Directors.
Struktur remunerasi sesuai dengan ketentuan Peraturan Bank The remuneration structure is pursuant to Bank Indonesia
Indonesia Nomor 8/4/PBI/2006 Tentang Pelaksanaan Good Regulation No. 8/4/PBI/2006 on the Implementation of Good
Corporate Governance bagi Bank Umum pasal 46 bahwa Corporate Governance for Commercial Bank Article 46 stated
untuk pengurus direkomendasikan kebijakan remunerasi that for the Management the recommended remuneration
paling kurang sesuai dengan: policy at least should be in accordance with:
a. kinerja keuangan dan pemenuhan cadangan sebagaimana B 'JOBODJBM QFSGPSNBODF BOE GVMmMNFOU PG SFTFSWFT JO
diatur dalam peraturan perundang-undangan yang compliance with the prevailing legislations;
berlaku; b. individual job performance;
b. prestasi kerja individual; c. reasonableness of the peer group; and
c. kewajaran dengan peer group; dan d. consideration of long-term goals and strategies Bank
d. pertimbangan sasaran dan strategi jangka panjang Bank.

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DIREKSI
Skema Prosedur Remunerasi Direksi

Strukture of Remuneration Procedure of the Board of Directors
KOMITE NOMINASI DAN REMUNERASI (KNR)

Remuneration and Nomination Committee
Mengusulkan Dasar dan Besaran Remunerasi

Propose the Basis and Amount of Remuneration
DEWAN KOMISARIS
Membahas usulan KNR dan mengusulkan

besaran remunerasi kepada pemegang saham
Discuss KNR proposal and propose remuneration to
shareholders

General Meetings of Shareholders (GMS)
Dewan Komisaris mendapatkan mandat

menentukan besaran Gaji dan Tantiem atas
arahan Pemegang Saham
BOC gained a mandate to determine the amount
of salary and tantiem under the direction of
Shareholders
DEWAN KOMISARIS
Mengusulkan besaran gaji dan tantiem anggota

Direksi dan mandat kepada RUPS
Propose remuneration Salary and Tantiem of
members of Board of Directors and mandate to GMS
GAJI DAN TANTIEM ANGGOTA DIREKSI

Salary and Tantiem of members of Board of Directors
Fasilitas dan Tunjangan Direksi dalam Satu Tahun Facilities and allowances for the members of the Board
• Gaji of Directors in One Year
• Tantiem • Salary
• Tunjangan hari raya • Bonus
• Tunjangan hari tua • Religious Commemoration Allowance
• Tunjangan pakaian dinas • Old Age Allowance
• Fasilitas akomodasi dan transportasi perjalanan dinas • Uniform Allowance
• Fasilitas kesehatan • Business trip accommodation and transportation facilities
• Fasilitas akomodasi penginapan • Health facilities
• Fasilitas komunikasi • Housing facilities
• Insentif prestasi kerja • Communication facilities

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BOARD OF DIRECTORS
• Asuransi jabatan • Incentives for work performance

• Jamsostek (BPJS ketenagakerjaan) • Position Insurance
• Jamsostek (BPJS)
Struktur Remunerasi Direksi

Remuneration Structure of the Board of Directors
Jumlah Diterima dalam 1 Tahun
Jenis Remunerasi dan Fasilitas Lain Number of Received in 1 Year
No Remuneration and Other Facilities
Direksi
Board of Directors
Orang/People Jutaan/Million
Rupiah
1 Remunerasi (gaji, bonus, tunjangan rutin,
56.363 Remuneration (salary, bonus, routine
tantiem, dan fasilitas lainnya dalam bentuk non allowances, bonuses, and other facilities in
natura) the form of non-natura)
2 Fasilitas lain dalam bentuk natura (perumahan, Other facilities in kind (housing, transportation,
transportasi, asuransi, kesehatan dan JOTVSBODF IFBMUIBOETPPO
XIJDI

TFCBHBJOZB
ZBOH

a. Dapat dimiliki
225 a. Be owned
b. Tidak dapat dimiliki b. Can not be held
Total 56.864 Total
) Dinilai dalam ekivalen Rupiah
"TTFTTFEJOUIFFRVJWBMFOUBNPVOU

1FOHBOHLBUBO TBUV
%JSFLUVS6UBNBEBO FOBN
%JSFLUVSTFTVBJEFOHBO"LUB
5IFBQQPJOUNFOUPGPOF
%JSFDUPSBOETJY
%JSFDUPS(FOFSBM.FFUJOH
Rapat Umum Pemegang Saham Luar Biasa PT Bank Pembangunan Daerah Jawa in accordance with the Deed of Extraordinary Shareholders Java Regional
Barat dan Banten, Tbk., Nomor 219, 220, 221, tanggal 19 Desember 2014 Development Bank
Anggota Dewan Komisaris dan Direksi yang menerima paket Members of the Board of Commissioners and Board of
remunerasi dalam satu tahun yang dikelompokkan dalam Directors who received the package remuneration in the year,
kisaran tingkat penghasilan, sebagai berikut: which are grouped into range of income levels, as follows:
(satuan orang) (unit of person)
Jumlah Remunerasi per orang dalam 1 tahun *) Jumlah Direksi Jumlah Dewan Total Remuneration each person
Total Board of Komisaris in year ended *)
Directors Total Board of
Commissioners
Di atas Rp2 miliar 5 6 Above Rp2 billion
Di atas Rp1 miliar s.d. Rp2 miliar 2 - Above Rp1 bilion - Rp2 billion
Di atas Rp500 juta s.d. Rp1 miliar - - Above Rp500 milion - Rp1 billion
Rp500 juta ke bawah 5 2 Less than Rp500 million

%JOJMBJEBMBNFLVJWBMFOSVQJBIin rupiah equivalent

Pendahuluan
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KOMITE DI BAWAH KOORDINASI DIREKSI

COMMITTEES UNDER THE COORDINATION OF
THE BOARD OF DIRECTORS
Komite Direksi Directors Committees

Hingga akhir tahun 2014, Direksi Perseroan dibantu oleh: By the end of 2014, the Board of Directors were assisted by:
1. Komite Manajemen Risiko 1. Risk Management Committee
2. Komite Kebijakan Kredit 2. Credit Policy Committee
3. Komite Pengarah Teknologi Informasi 3. Information Technology Steering Committee
4. ALCO (Asset Liability Committee) 4. ALCO (Asset Liability Committee)
5. Tim Peneliti dan Pertimbangan Masalah Kepegawaian 5. Personal Issues and Considerations Research Team
(TPPMK) (TPPMK)
Komite Manajemen Risiko Risk Management Committee

Pembentukan Komite Manajemen Risiko telah disahkan The establishment of the Risk Management Committee has
melalui Surat Keputusan Direksi PT Bank Pembangunan been stipulated by the Decree of the Board of Directors of
Daerah Jawa Barat dan Banten Tbk nomor 580/SK-DIR/ PT Bank Pembangunan Daerah Jawa Barat dan Banten Tbk
MR/2011 tentang Pembentukan Anggota Susunan Tim ALCO, No. 580/SK-DIR/MR/2011 on the Company’s ALCO, CPC, and
CPC, dan RMC Perseroan. RMC Team Member Structure Formation.
Adapun Susunan Anggota Komite Manajemen Risiko The composition of the Risk Management Committee Member
Perseroan adalah sebagai berikut: of bank bjb is as follows:
Posisi Position
Ketua Direktur Utama | President Director Chairman
Wakil Ketua Direktur Kepatuhan dan Manajemen Risiko | Managing Director – Compliance and Risk Management Vice
Sekretaris Pemimpin Divisi Manajemen Risiko | Head of Risk Management Division Secretary
Anggota Permanen: Permanent Members:

1. Direktur Operasi 1. Operations Director
2. Direktur Konsumer 2. Consumers Director
3. Direktur Komersial 3. Commercial Director
4. Direktur Treasury & International 4. Director of Treasury & International
5. Pemimpin Divisi Perencanaan Strategis 5. Head of Strategic Planning Division
6. Pemimpin Divisi Kepatuhan dan Hukum 6. Head of Legal and Compliance Division
7. Pemimpin Divisi Audit Internal 7. Head of Internal Audit
8. Pemimpin Divisi Pengendalian Keuangan 8. Head of Finance and Accounting Division
9. Pemimpin Divisi Credit Risk Reviewer 9. Head of Credit Risk Reviewer Division
Anggota Non Permanen: Non Permanent Members:

1. Pemimpin Divisi KPR & Mortgage 1. Head of Housing & Mortgage Division
2. Pemimpin Divisi Jaringan dan Layanan 2. Head of Networking and Services Development Division
3. Pemimpin Divisi SDM 3. Head of HR Division
4. Pemimpin Divisi Treasuri 4. Head of Treasury Division
5. Pemimpin Divisi Internasional 5. Head of International Division
6. Pemimpin Divisi korporasi & Komersial 6. Head of Corporation and Commercial Division
7. Pemimpin Divisi Kredit Konsumer 7. Head of Consumers Division
8. Pemimpin Divisi Dana Jasa Konsumer 8. Head of Fund Consumer Services Division
9. Pemimpin Divisi Mikro 9. Head of Micro Division
10. Pemimpin Divisi Umum 10. Head of General Division
1FNJNQJO%JWJTJ$IBOHF.BOBHFNFOU0GmDF )FBEPG$IBOHF.BOBHFNFOU0GmDF%JWJTJPO
12. Pemimpin Divisi Pendidikan & Pelatihan 12. Head of Learning & Training Division
13. Pemimpin Divisi Manajemen Anak Perusahaan 13. Head of Subsidiary Management Division

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COMMITTEES UNDER THE COORDINATION OF THE BOARD OF DIRECTORS
14. Pemimpin Divisi Corporate Secretary 14. Head of Corporate Secretary Division
15. Pemimpin Divisi Institutional Banking 15. Head of Institutional Banking Division
16. Pemimpin Divisi Teknologi Informasi 16. Head of Information Technology Division
17. Pemimpin Unit Card Center 17. Head of Unit Card Center
18. Pemimpin Unit Electronic Banking 18. Head of Unit Electronic Banking
19. Kesatuan Satuan Kerja Penyelamatan dan Penyelesaian 19. Unit Rescue and Credit Settlement
Kredit.
Pedoman Komite Manajemen Risiko Guidelines for Risk Management Committee

Pedoman kerja dan prosedur pelaksanaan Komite Manajemen Guidelines and procedures for the implementation of the
Risiko diatur dalam Pedoman Komite Manajemen Risiko sesuai Risk Management Committee is set in the Code of Risk
SK Direksi nomor 968/SK/DIR-MR/2014 tentang Pedoman Management Committee according to the Decree of
Komite Manajemen Risiko tanggal 8 Desember 2014. Directors number 968/SK/DIR-MR/2014 on Guidelines for Risk
Management Committee dated December 8, 2014.
DEWAN KOMISARIS
KOMITE
MANAJEMEN RISIKO DIREKSI
Risk Management Board of Directors
Committee
DIREKTUR
KEPATUHAN &
MANAJEMEN RISIKO
Director of Compliance
& Risk Management
Pengawasan
• Memantau batas/kebijakan risiko

DIVISI MANAJEMEN DIVISI KEPATUHAN &
• Mempersiapkan laporan kelebihan batas
RISIKO HUKUM
Risk Management risiko Compliance & Legal
Division • Monitor the limit/policy risk Division
• Prepare reports of excess risk limit
Operasional
Unit Bisnis Kredit Unit Bisnis Tresuri & Likuiditas Unit Bisnis mengelola
Risiko kredit Risiko Pasar & Likuiditas Risiko atas kegiatan harian
Business Credit Unit Business Treasury & Liquidity Unit Daily activity risk handled by
Credit Risk Market & Liquidity Risk Business Unit
• Divisi pada Kantor Pusat, Unit Grup pada Kantor Wilayah dan Kantor Cabang-Pemantauan Risiko Operasional
• Setiap Divisi di Kantor Pusat/Unit Grup di Kantor Wilayah dan Cabang betanggung jawab mengelola risiko di Divisi/Wilayah/
Cabang masing-masing
t %JWJTJPOJO)FBE0GmDF (SPVQ6OJUJO3FHJPOBM0GmDFBOE#SBODI0GmDFo3JTL0QFSBUJPOT.POJUPSJOH
t &WFSZ%JWJTJPOJO)FBE0GmDF(SPVQ6OJUJO3FHJPOBMBOE#SBODI0GmDFBSFSFTQPOTJCMFGPSNBOBHJOHSJTLTJOFBDI%JWJTJPO
Region/Branch
Struktur Komite Manajemen Risiko Structure of Risk Management Committee

Struktur organisasi menjelaskan kegiatan usaha Bank dan telah The organizational structure explains the Bank’s business
menetapkan jalur pelaporan dan fungsi yang jelas dari satuan activities and has determined the reporting paths and a clear
kerja operasional kepada satuan kerja yang melaksanakan function of operational task force to task force in charge of
fungsi pengendalian intern. Ruang lingkup pengendalian conducting internal control. The divisions which do not have
intern yang tidak termasuk dalam fungsi pengambil keputusan roles on the decision making are Compliance and Legal

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adalah Divisi Kepatuhan dan Hukum, Divisi Audit internal serta Division, Internal Audit Division and Risk Management
Divisi Manajemen Risiko dimana tugas dan fungsinya tidak Division, whose taks and function are not to take a decision in
mengambil keputusan pada kegiatan usaha Bank. the Bank’s business activities.
Tugas pokok Komite Manajemen Risiko berdasarkan Surat The main tasks of the Risk Management Committee is based
Keputusan Direksi tersebut di atas sekurang-kurangnya on the above-mentioned Decree of the Board of Directors and
meliputi: shall at least include:
1. Penyusunan kebijakan manajemen risiko serta 1. The formulation of risk management policies and their
perubahannya, termasuk strategi manajemen risiko dan changes, including strategy of risk management and
contingency plan dalam kondisi eksternal tidak normal contingency plan for extraordinary external condition;
terjadi; 2. Improving and enhancing the implementation of Risk
2. Perbaikan dan penyempurnaan penerapan Manajemen Management which are conducted periodically and
Risiko yang dilakukan secara berkala maupun insidentil incidentally as a result of a change in the external and
sebagai akibat dari suatu perubahan kondisi eksternal internal condition of the Bank that affects the Bank’s capital
dan internal Bank yang mempengaruhi kecukupan BEFRVBDZBOESJTLQSPmMFBOEUIFSFTVMUPGFWBMVBUJPOPO
QFSNPEBMBO EBO QSPmM SJTJLP #BOL EBO IBTJM FWBMVBTJ the effectiveness of the implementation;
terhadap efektivitas penerapan tersebut; +VTUJmDBUJPO PG UIJOHT MJOLFE XJUI CVTJOFTT EFDJTJPOT
3. Penetapan (KVTUJmDBUJPO) atas hal-hal yang terkait breaching from procedures (irregularities), such as the
dengan keputusan-keputusan bisnis yang menyimpang decision which lead to expansion of Bank business
dari prosedur normal (irregularities), seperti keputusan TJHOJmDBOUMZFYDFFEJOHUIFMJNJUJOJUJBMMZEFUFSNJOFE PSUP
QFMBNQBVBOFLTQBOTJVTBIBZBOHTJHOJmLBOEJCBOEJOHLBO take risk at level more than the limit determined previously;
dengan rencana bisnis Bank yang telah ditetapkan 4. Determining change of materials stipulated at policies and
sebelumnya atau pengambilan posisi/eksposur risiko procedures of risk management implementation;
yang melampaui limit yang telah ditetapkan; 5. Perform evaluation on the implementation of models in
4. Menetapkan perubahan materi yang terdapat pada measuring bank risks;
kebijakan dan prosedur penerapan manajemen risiko; 6. Ensuring the implementation of supervision of risk
5. Melakukan evaluasi terhadap penerapan model-model management by establishing the limit of acceptable risks
pengukuran risiko bank; as well as allocation of capital associated with reserve of
6. Memastikan dilakukannya pengawasan risiko melalui risks from all of bank operational activities;
penetapan toleransi atau limit risiko yang dapat diterima 7. Coordinating and supervising all risk management
serta alokasi modal terkait cadangan risiko untuk seluruh strategies;
kegiatan operasional bank; 8. Approving risk management strategies which exceeds the
7. Mengkoordinasikan dan memantau seluruh strategi authorities of chief of operational task force unit;
manajemen risiko; 9. Evaluating the overall risk composition in the bank’s
8. Menyetujui strategi manajemen risiko yang melampaui portfolio;
kewenangan pimpinan satuan kerja operasional; 10. Reviewing the proposals on new products and activities,
9. Menilai keseluruhan komposisi risiko dalam portofolio bank capability to promote the new products and activities;
bank; 11. Evaluating on the composing of the contingency plant in
10. Mengkaji proposal mengenai produk dan aktivitas baru worst case scenario;
dan menilai kemampuan bank untuk melaksanakan 12. Overseeing capital adequacy of bank against the risk
produk dan aktivitas baru tersebut; exposure in with the applicable regulation of Bank
11. Melakukan evaluasi terhadap penyusunan contingency Indonesia;
plan dalam kondisi tidak normal (worst case skenario) ; 13. Evaluating effectiveness of the implementation of risk
12. Melakukan pemantauan kecukupan permodalan bank management
terhadap risk exposure sesuai ketentuan Bank Indonesia
yang berlaku;
13. Mengevaluasi efektivitas pelaksanaan manajemen risiko.

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+VTUJmLBTJ ZBOH EJTBNQBJLBO EBMBN CFOUVL SFLPNFOEBTJ +VTUJmDBUJPO DPOWFZFEJOUIFGPSNPGSFDPNNFOEBUJPOUPUIF

kepada Direktur Utama berdasarkan suatu pertimbangan President Director, is based on business recommendations
bisnis dan hasil analisis yang terkait dengan transaksi atau and analysis results related to certain transactions or activities
kegiatan usaha Bank tertentu sehingga memerlukan adanya of the Bank so that it requires a violation of procedures already
penyimpangan terhadap prosedur yang telah ditetapkan oleh established by the Bank. Recommendation given by the Risk
Bank. Rekomendasi yang diberikan oleh Komite Manajemen .BOBHFNFOU $PNNJUUFF TIBMM SFnFDU BO BHSFFNFOU BNPOH
Risiko harus mencerminkan suatu kesepakatan diantara para the members of committee.
anggota komite.
Berdasarkan Kebijakan Manajemen Risiko bank yang berlaku, Based on the applicable Risk Management Policy of the bank,
Bank membagi aktivitas usahanya (bisnis dan pendukung) the Bank categorises its business activities (business and
menjadi sebagai berikut: supporting activities) as follows:
1. Perkreditan 1. Credit
2. Tresuri dan Investasi 2. Treasury and Investment
3. Pembiayaan Trade Finance dan Garansi Bank 3. Trade Finance and Bank Guarantee
4. Pendanaan dan Instrumen Hutang 4. Funding and Debt Instrument
5. Operasional Layanan 5. Service Operation
6. Jasa Layanan 6. Services
7. Sistem Informasi Manajemen 7. Management Information System
8. Teknologi Sistem Informasi 8. Information System Technology
9. Pengelolaan SDM 9. Human Resouces Management
10. Sistem Pengendalian Internal. 10. Internal Control System
Dalam rangka peningkatan efektivitas dan fokus pembahasan In order to increase the effectiveness and focus of discussion
setiap permasalahan bank yang timbul dan diangkat kepada for every banking issues which are raised at Committee level,
level Komite, Bank memiliki 3 (tiga) besaran sub komite yakni the Bank has 3 sub-committees they are as follow:
sebagai berikut: • Risk Management Committee (RMC), Credit Risk
• Risk Management Committee (RMC), Credit Risk Committee (CRC), Operational Risk Committee (ORC),
Committee (CRC), Operational Risk Committee (ORC), Market & Liqudity Risk Committee (MRC), SSG – MRC,
Market & Liqudity Risk Committee (MRC), SSG – MRC, SSG – CRC, dan SSG – ORC. The Bank groups the
SSG – CRC, dan SSG – ORC. Bank mengelompokkan discussion for the settlement of problems linked to risks of
pembahasan atas permasalahan terkait risiko yang business activities above into three sub-committees. The
terkandung dalam aktivitas usaha diatas ke dalam 3 explanation for each sub-committees are as follows:
(tiga) sub komite. Penjelasan atas masing-masing komite 1. Risk Management Committee is the Main Committee
tersebut adalah sebagai berikut: and ranks the highest, and is used as a forum for
1. Risk Management Committee merupakan Komite decision making from all the implementation of
Utama serta tertinggi dan digunakan sebagai forum committee activities below it. This committee is a top
pengambil keputusan dari seluruh pelaksanaan level committee in the RMC organization structure;
kegiatan komite di bawahnya. Komite ini bersifat top 2. Market & Liquidity Risk Committee is a committee
level committee dalam struktur organisasi RMC; focusing on the discussion for the settlement of
2. Market & Liquidity Risk Committee merupakan komite problems appearing from the bank business activities
yang fokus terhadap pembahasan atas permasalahan- which have Inherent Risk deriving from Market Risk
permasalahan dari aktivitas usaha bankyang memiliki and Liquidity Risk. This committee is categorized as
Inheren Risk berasal dari Risiko Pasar dan Risiko a middle level committee in the RMC organizational
Likuiditas. Komite ini bersifat middle level committee structure.
dalam struktur organisasi RMC;

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3. Credit Risk Committee merupakan komite yang 3. Credit Risk Committee is a committee focusing on
fokus terhadap pembahasan atas permasalahan- the discussion for the settlement of issues from the
permasalahan dari aktivitas usaha bank yang memiliki business activities of the bank which have Inherent Risk
Inherent Risk berasal dari Risiko Kredit. Komite EFSJWJOHGSPN$SFEJU3JTL5IJTDPNNJUUFFJTDMBTTJmFE
ini bersifat middle level committee dalam struktur as a middle level committee in the RMC organizationa
organisasi RMC; structure;
4. Operational Risk Committee merupakan komite yang 4. Operational Risk Committee is a committee focusing
fokus terhadap pembahasan atas permasalahan- on the discussion for settlement of problems from the
permasalahan dari aktivitas usaha bank yang memiliki business activities of the bank which have Inherent
Inherent Risk berasal dari Risiko Operasional dan Risk deriving from Operational Risk and Other Risks
Risiko Lainnya (Risiko Strategik, Risiko Reputasi, (Strategy Risk, Reputation Risk, Legal Risk and
Risiko Hukum dan Risiko Kepatuhan). Compliance Risk).
Komite Kebijakan Kredit Credit Policy Committee

Pembentukan Komite Kebijakan Kredit telah disahkan melalui The establishment of Credit Policy Committee was approved
Surat Keputusan Direksi PT Bank Pembangunan Daerah Jawa by Decree of Directors of PT Bank Pembangunan Daerah
Barat dan Banten Tbk nomor 580/SK/DIR-MR/2011 tanggal 13 Jawa Baratdan Banten Tbk Number 580/SK/DIR-MR/2011
Oktober 2011 tentang Pembentukan Anggota Susunan Tim dated October 13,2011 on the bank bjb Formation of Structure
ALCO, CPC, dan RMC Perseroan. Members of ALCO, CPC, and RMC team.
Susunan Komite Kebijakan Kredit adalah sebagai berikut: The composition of the Credit Policy Committee is as follows:
Posisi Position
Ketua Direktur Utama | President Director Chairman
Sekretaris Pemimpin Divisi Manajemen Risiko | Head of Risk Management Division Secretary

1. Direktur Treasury & International 1. Director of Treasury & International
4. Pemimpin Divisi Korporasi & Komersial 4. Head of Corporation and Commercial Division
5. Pemimpin Divisi Konsumer 5. Head of Consumers Division
6. Pemimpin Divisi Mikro 6. Head of Micro & Retail Division
7. Pemimpin Unit Card Center & Electronic Banking 7. Head of Card Centre & Electronic Banking Division
8. Pemimpin Divisi Treasury 8. Head of Treasury Division
10. Pemimpin Divisi Audit Internal 10. Head of Internal Audit

1. Pemimpin Divisi Jaringan dan Pengembangan Layanan 1. Head of Networking and Services Development Division
2. Pemimpin Divisi Pengendalian Keuangan 2. Head of Accounting Division
5. Pemimpin Divisi Layanan Operasional 5. Head of Operations Services Division

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Komite Kebijakan Kredit memiliki tugas pokok sebagai berikut: Credit Policy Committee has the following main tasks:
1. Merumuskan dan menetapkan permasalahan yang 'PSNVMBUF BOE EFmOF JTTVFT UIBU BSF TJHOJmDBOU BOE
CFSTJGBU TJHOJmLBO EBO NBUFSJBM NFMJQVUJ QFOZVTVOBO material, including the preparation of credit policy and
kebijakan kredit beserta perubahannya, perbaikan atau amendments thereto, including the repair or improvement
penyempurnaan penerapan termasuk strategi kebijakan of the implementation of credit policy strategy and
kredit serta contingency plan apabila terdapat kondisi contingency plan if an abnormal condition occurs.
yang tidak normal. 2. Specify matters related to business decisions that deviate
2. Menetapkan hal-hal yang terkait dengan keputusan bisnis from normal procedures in the areas of credit, including
yang menyimpang dari prosedur normal di bidang kredit, TJHOJmDBOUFYDFTTPGDSFEJUFYQBOTJPOEFDJTJPOTDPNQBSFE
antara lain keputusan pelampauan ekspansi kredit yang with the Bank’s business plan which has been previously
TJHOJmLBO EJCBOEJOHLBO EFOHBO SFODBOB CJTOJT #BOL established.
yang telah ditetapkan sebelumnya. 3. Formulate a credit policy based on risk appetite relating
3. Merumuskan kebijakan perkreditan berdasarkan hal-hal to:
khusus yang dikehendaki (risk appetite) yang berkaitan a. Target market dan portion
dengan: b. Segmentation
a. Target market dan porsi c. Risk Mitigation
b. Segmentasi d. Maximum write off
c. Risk Mitigation 4. Formulating the authorized limit of credit
d. Maksimum hapus buku 5. Established a policy for non performing loans in the form:
4. Merumuskan limit kewenangan memutus kredit. a. Rescue (rescheduling, reconditioning, restructuring),
5. Menetapkan kebijakan dalam hal kredit bermasalah or
berupa: b. Settlement through the in court or out of court
a. Penyelamatan (rescheduling, reconditioning, processes.
restructuring), atau 6. Consistently monitor the implementation of the CDE and
b. Penyelesaian melalui proses di pengadilan ataupun formulate a basis if there is a problem-solving barriers/
proses di luar pengadilan. obstacles in the implementation of CDE.
6. Mengawasi pelaksanaan KPB secara konsisten serta 7. Conduct the assessment/evaluation on a regular basis to
merumuskan pemecahan masalah apabila terdapat CDE and provide advice to the Board of Directors when
hambatan/kendala dalam penerapan KPB. required changes or additions to CDE are needed.
7. Melaksanakan pengkajian/evaluasi secara berkala 8. Carry out the assessment on the effectiveness of Internal
terhadap KPB dan memberikan saran kepada Direksi Control System for Credit periodically.
apabila diperlukan perubahan atau penambahan KPB. 9. Monitor and provide advice on the planning and
8. Melaksanakan pengkajian terhadap efektivitas Sistem JNQMFNFOUBUJPOPGUSBJOJOHJOUIFmFMEPGDSFEJU
Pengendalian Internal Perkreditan secara berkala. 10. Monitor and evaluate:
9. Memantau serta memberikan saran atas perencanaan a. Developments and the overall quality of credit portfolio
dan pelaksanaan training di bidang perkreditan. including the development and the quality of loans to
10. Memantau dan mengevaluasi: parties related to the Bank and certain large debtors.
a. Perkembangan dan kualitas portofolio perkreditan b. Authority to decide the implementations of credit and
secara keseluruhan termasuk perkembangan dan the provision of LLL (Legal Lending Limit).
kualitas kredit yang diberikan kepada pihak yang c. Compliance with applicable laws and other regulations
terkait dengan Bank dan debitur-debitur besar tertentu. in the implementation of lending.
b. Pelaksanaan kewenangan memutus kredit dan d. Settlement of non performing loans in accordance with
ketentuan BMPK (Batas Maksimum Pemberian Kredit). UIBUTQFDJmFEJOUIF$%&
c. Kepatuhan terhadap ketentuan perundang-undangan
dan peraturan lainnya dalam pelaksanaan pemberian
kredit.
d. Penyelesaian kredit bermasalah sesuai dengan yang
ditetapkan dalam KPB.

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e. Kepatuhan dalam memenuhi ketentuan mengenai e. Compliance in meeting the terms of the adequacy of
kecukupan Cadangan Kerugian Penurunan Nilai Reserves for Impairment Losses (CKPN).
(CKPN). f. Certain large debtors and loans that are in the list of
f. Debitur-debitur besar tertentu dan kredit yang berada credits under special surveillance.
dalam daftar kredit dalam pengawasan khusus. g. Achievement of Work Plan targets and Monitoring of
g. Pencapaian target Rencana Kerja dan Pengawasan Non Performing Loans.
Kredit Bermasalah.
Komite Pengarah Teknologi Informasi Information Technology Steering

Committee
Pembentukan Komite Pengarah Teknologi Informasi Establishment of Information Technology Steering Committee
telah disahkan melalui Surat Keputusan Direksi PT Bank (ITSC) was approved by Decree of Directors of PT Bank
Pembangunan Daerah Jawa Barat dan Banten, Tbk. nomor Pembangunan Daerah Jawa Barat dan Banten no. 0280/SK/
280/SK/DIR-TI/2011 tentang Perubahan Pembentukan Komite DIR-TI/2011 on the establishment of Information Technology
Pengarah Teknologi Informasi tanggal 28 April 2011. Steering Committee dated April 28, 2011.
Berdasarkan SK Direksi tersebut, susunan Komite Pengarah Based on the decree of Directors, the composition of ITSC
Teknologi Informasi adalah sebagai berikut: members are as follows:
Posisi Position
Pengarah Direktur Utama | President Director Steering
Ketua Direktur Operasi | Managing Director – Operation Chairman
Sekretaris Pemimpin Divisi Teknologi Informasi | Head of Information Technology Division Secretary

• Pemimpin Divisi Manajemen Risiko • Head of Risk Management
• Pemimpin Divisi Layanan Operasional • Head of Operation Services
• Pemimpin Divisi Pengendalian Keuangan • Head of Finance & Accounting
• Pemimpin Unit Card Center dan Electronic Banking • Head of Card Center and Electronic Banking

Pemimpin Divisi lainnya yang berkaitan dengan pembahasan Other division leaders associated with the discussion of the
agenda Rapat Komite. Committee Meeting agenda.
Wewenang dan tanggung jawab Komite Pengarah Teknologi The authority and the responsibility of the Information
Informasi adalah: Technology Steering Committee are as follow:
1) Rencana strategis TI (Information Technology Strategic 1) Information Technology Strategic Plan, which is aligned
Plan) yang sesuai dengan rencana strategis kegiatan with the Bank’s strategic plan for its’ business activities. In
usaha Bank. Dalam memberikan rekomendasi, komite providing recommendations, the Committee should take
IFOEBLOZB NFNQFSIBUJLBO GBLUPS FmTJFOTJ FGFLUJWJUBT JOUP BDDPVOU UIF FGmDJFODZ FGGFDUJWFOFTT BOE BOZ PG UIF
serta hal-hal sebagai berikut: following:
a. Rencana pelaksanaan (road-map) untuk mencapai a. Implementation plan (road-map) to reach the IT needs
kebutuhan TI yang mendukung strategi bisnis Bank. that support the Bank’s business strategy. The road
Road map terdiri dari kondisi saat ini (current state), map consists of the current state, conditions to be
kondisi yang ingin dicapai (future state) serta langkah- achieved (future state) as well as measures adopted
langkah yang akan dilakukan untuk mencapai future to achieve the future state;
state;

Introduction
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b. Sumber daya yang dibutuhkan; b. Necessary resources;

c. Keuntungan/manfaat yang akan diperoleh saat D "EWBOUBHFTCFOFmUT HBJOFE XIFO UIF QMBO JT
rencana diterapkan. implemented.
2) Perumusan kebijakan dan prosedur TI yang utama seperti 2) Formulation of major IT policies and procedures such as
kelayakan pengamanan TI dan manajemen risiko terkait the feasibility of IT security and risk management in relation
penggunaan TI di Bank. to the use of IT in the Bank.
3) Kesesuaian proyek-proyek TI yang disetujui dengan 3) Suitability of IT projects which are approved by the IT
Rencana Strategis TI. Komite juga menetapkan status Strategic Plan. The committee also set the priority status to
prioritas proyek TI yang bersifat kritikal (berdampak *5QSPKFDUTUIBUBSFDSJUJDBM IBWFTJHOJmDBOUJNQBDUPOUIF
TJHOJmLBOUFSIBEBQLFHJBUBOPQFSBTJPOBM#BOL
NJTBMOZB operations of the Bank), such as core banking application
pergantian core banking application, server production, change, server production, and network topology.
dan topologi jaringan. 4) Suitability of the implementation of IT projects with the
4) Kesesuaian pelaksanaan proyek-proyek TI dengan project plan (project charter) as agreed in the service
rencana proyek (project charter) yang disepakati dalam level agreement. The committee shall complement the
service level agreement. Komite hendaknya melengkapi recommendations with the analysis results of the main IT
rekomendasi dengan hasil analisis dari proyek-proyek TI projects, allowing the Board of Directors to take decisions
yang utama sehingga memungkinkan Direksi mengambil FGmDJFOUMZ
LFQVUVTBOTFDBSBFmTJFO 5) Suitability of IT to the needs of management information
5) Kesesuaian TI dengan kebutuhan sistem informasi systems that support the management of the Bank’s
manajemen yang mendukung pengelolaan kegiatan business activities.
usaha Bank. 6) Effectiveness of risk minimization measures on the bank’s
6) Efektivitas langkah-langkah minimalisasi risiko atas investment in the IT sector and ensuring the investment
investasi Bank pada sektor TI dan bahwa investasi tersebut to contribute to the achievement of business objectives of
memberikan kontribusi terhadap tercapainya tujuan bisnis the Bank.
Bank. 7) Monitoring of IT performance and its improvement
7) Pemantauan atas kinerja TI dan upaya peningkatannya, FGGPSUT GPS FYBNQMF CZ EFUFDUJOH UIF *5 mOBODJBM TUBUVT
misalnya dengan mendeteksi keusangan TI dan mengukur BOE NFBTVSJOH UIF FGGFDUJWFOFTT BOE FGmDJFODZ PG UIF *5
FGFLUJWJUBTEBOFmTJFOTJQFOFSBQBOLFCJKBLBOQFOHBNBOBO security policy implementation.
TI. 8) In resolving various IT related issues that can not be
8) Upaya penyelesaian berbagai masalah terkait TI yang resolved by the user work units and provider work units.
tidak dapat diselesaikan oleh satuan kerja pengguna dan The Committee may facilitate the relationship between the
satuan kerja penyelenggara. Komite dapat memfasilitasi work units.
hubungan antara kedua satuan kerja tersebut. 9) Adequacy and allocation of resources held by the Bank.
9) Kecukupan dan alokasi sumber daya yang dimiliki If the resources is inadequate and the Bank will use the
Bank. Apabila sumber daya yang dimiliki tidak memadai services of other parties in the implementation of IT, then
dan Bank akan menggunakan jasa pihak lain dalam the Committee shall ensure that the Bank has the related
penyelenggaraan TI maka Komite harus memastikan Bank policies and procedures.
telah memiliki kebijakan dan prosedur terkait.
Persyaratan Penyelenggaraan Rapat Komite Pengarah Implementation of requirements for Information Technology
Teknologi Informasi, dalam setiap penyelenggaraan rapat Steering Committee Meeting, in any organization of Information
Komite Pengarah Teknologi Informasi. Rapat dinyatakan sah Technology Steering Committee meeting. Meeting declared
bila dihadiri minimal oleh Ketua, Wakil Ketua, Sekretaris dan validif attended by at least the Chairman, Vice Chairman,
Anggota Permanen atau pejabat setingkat Pemimpin Bagian Secretary and Member of Permanent or Section Leader level
yang mewakilinya. PGmDJBMTXIPSFQSFTFOUIJN

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Jadwal Kegiatan rapat Komite Pengarah Teknologi Informasi Schedule of Information Technology Steering Committee
minimal satu kali dalam 3 (tiga) bulan atau dalam keadaan meeting at least once in 3 (three) months or in certain
tertentu rapat dapat diadakan sewaktu-waktu. Rapat Komite circumstances the meeting may be held at any time.
Pengarah Teknologi Informasi harus dilengkapi dengan berita Information Technology Steering Committee meetings shall
acara atau notulen rapat yang dilampiri daftar hadir peserta be provided with the minutes or the minutes of the meeting
rapat dan dilaporkan kepada Direksi dan seluruh anggota are attached list of participants attended the meeting and
Komite. reported to the Board of Directors and all members
of the Committee.
ALCO (Asset Liability Committee) ALCO (Asset Liability Committee)

Perseroan telah membentuk ALCO berdasarkan Surat bank bjb has established ALCO pursuant to the Directors
Keputusan Direksi Nomor 790/SK/DIR-TRIS/2005 tanggal 20 Decree No. 790/SK/DIR-TRIS/2005 dated October 20, 2005
Oktober 2005 tentang Pembentukan Tim ALCO dan SSG- on the Establishment of ALCO and SSG-ALCO PT Bank Jabar,
ALCO PT Bank Jabar, dan Surat Keputusan Direksi Nomor and the Directors Decree No. 580/SK/DIR-MR/2011 dated
580/SK/DIR-MR/2011 tanggal 13 Oktober 2011 tentang October 13, 2011 on the Formation of Structure Members of
Pembentukan Anggota Susunan Tim ALCO, CPC, dan RMC bank bjb’s ALCO, CPC, and RMC team.
Perseroan.
Anggota ALCO Perseroan berdasarkan Surat Keputusan bank bjb ALCO members based on the Directors Decree of
Direksi tersebut di atas adalah sebagai berikut: the above are as follows:
• Penanggung Jawab: Direksi • Responsible Member(s): Directors
• Ketua: • Chairman:
1. Direktur Treasury & Internasional 1. Treasury & International Director
• Sekretaris: • Secretary:
1. Pemimpin Divisi Treasury 1. Head of Treasury Division
2. Pemimpin Divisi Manajemen Risiko 2. Head of Risk Management Division
• Anggota Permanen: • Permanent Member:
1. Pemimpin Divisi Korporasi & Komersial 1. Head of Corporate & Commercial Division
5. Pemimpin Unit Card Center & Electronic Banking 5. Head of Card Center & Electronic Banking Division
6. Pemimpin Divisi Pengendalian Keuangan 6. Head of Accounting & Finance Division
7. Divisi Internasional 7. International Division
8. Pemimpin Divisi Institutional Banking 8. Head of Institutional Banking Division
9. Pemimpin Divisi Credit Risk Reviewer )FBEPG$SFEJU3JTL3FWJFXFS%JWJTJPO
10. Pemimpin Divisi Jaringan & Pengembangan Layanan 10. Head of Networking & Services Development Division
• Anggota Non Permanen: • Non Permanent Member:
1. Pemimpin Divisi Teknologi Informasi 1. Head of Information Technology Division
2. Pemimpin Divisi Umum 2. Head of General Division
3. Pemimpin Divisi Kepatuhan & Hukum 3. Head of Legal and Compliance Division
4. Pemimpin Divisi Corporate Secretary 4. Head of Corporate Secretary Division
6. Pemimpin Divisi Layanan Operasional 6. Head of Operations Services Division
7. Pemimpin Divisi Pendidikan & Pelatihan 7. Head of Learning & Training Division
1FNJNQJO$IBOHF.BOBHFNFOU0GmDF )FBEPG$IBOHF.BOBHFNFOU0GmDF%JWJTJPO

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9. Pemimpin Divisi Audit Internal 9. Head of Internal Audit Division

11. Pemimpin Kantor Wilayah )FBEPG3FHJPOBM0GmDFT
Susunan Tim Staf Suppoting Group (SSG) – ALCO Composition of Staff Supporting Group (SSG) – ALCO
• Ketua SSG ALCO: Pemimpin Divisi Treasury • Chairman SSG ALCO: Head of Treasury Division
• Wakil Ketua: • Vice Chairman:
1. Pemimpin Divisi Korporasi & Komersial 1. Head of Corporation & Commercial Division
• Sekretaris • Secretary:
1. Pemimpin Grup Manajemen Likuiditas & ALM 1. Head of Liquidity Management & ALM Group
2. Pemimpin Grup Risiko Likuiditas & Pasar 2. Head of Liquidity & Market Risk Group
3. Pemimpin Grup Komersial 3. Head of Commercial Group
• Anggota: • Member:
2. Pemimpin Unit Card Center & Electronic Banking 2. Head of Card Center & Electronic Banking Division
4. Pemimpin Divisi Institusional Banking 4. Head of Institutional Banking Division
6. Pemimpin Divisi Pengendalian Keuangan 6. Head of Accounting & Finance Division
8. Pemimpin Grup Perencanaan Strategis 8. Head of Strategic Planning Group
9. Pemimpin Grup Korporasi 9. Head of Corporation Group
10. Pemimpin Grup Supervisi Mikro & Ritel 10. Head of Micro & Retail Supervision Group
11. Pemimpin Grup Treasury Trading 11. Head of Treasury Trading Group
12. Pemimpin Grup Trade Finance & Services 12. Head of Trade Finance & Services Group
13. Pemimpin Grup Operational TI 13. Head of IT Operational Group
14. Pemimpin Grup Likuiditas 14. Head of Liquidity Group
15. Pemimpin Grup Akutansi Manajemen 15. Head of Management Accounting Group
16. Pemimpin Grup Risiko Kredit 16. Head of Credit Risk Group
17. Pemimpin Grup Risiko Operasional 17. Head of Operations Risk Group
18. Pemimpin Grup Busines Legal 18. Head of Legal Business Group
19. Pemimpin Grup Hubungan Investor 19. Head of Investor Relation Group
20. Pemimpin Grup KPR Business Process 20. Head of Mortgage Business Process Group
21. Pemimpin Grup Pengembangan Produk & Prosedur, 21. Head of Product Development Group, Micro & Retail
Divisi Mikro & Ritel Division
22. Pemimpin Grup Pengembangan Produk & Prosedur, 22. Head of Products & Procedures Development, Corporate
Divisi Korporasi & Komersial & Commercial Division
23. Pemimpin Grup Pengembangan Produk & Prosedur, 23. Head of Products & Procedure Development, Consumers
Divisi Konsumer Division
Tugas Pokok ALCO) Adalah: The Principal Tasks of ALCO:

1. Bertanggung jawab atas pencapaian rentabilitas Bank 3FTQPOTJCMFGPSUIFBDIJFWFNFOUPGUIFQSPmUBCJMJUZPGUIF
sesuai dengan target keuntungan (laba), pertumbuhan #BOL JO BDDPSEBODF XJUI UIF UBSHFU QSPmU CBMBODF TIFFU
neraca dan beberapa ukuran rentabilitas yang telah HSPXUI BOE TPNF NFBTVSF PG QSPmUBCJMJUZ UIBU IBT CFFO
ditetapkan dalam anggaran. established in the budget.

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2. Melakukan rapat secara berkala minimum sebulan sekali 2. Conduct regular meetings once a month in minimum to
untuk menilai, merencanakan, dan mengambil langkah assess, plan, and take stepas in the form of policy and
berupa kebijaksanaan dan action plan untuk mengejar action plan to pursue a work plan and budget targets with
target rencana kerja dan anggaran dengan realisasi yang the realization that occur as well as possible changes in
terjadi serta usulan kemungkinan perubahan anggaran. the proposed budget.
3. Merumuskan dan memutuskan pricing strategy yang 3. Formulate and decide on pricing strategy which includes:
meliputi: a. Loan Pricing (Based Lending Rate, Time Deposit,
a. Loan Pricing (Based Lending Rate, Time Deposit, Deposit On Call, and others).
Deposit On Call, dan lain-lain). b. Deposit Pricing (Demand Deposit, Time Deposit,
b. Deposit Pricing (Demand Deposit, Time Deposit, Deposit On Call, and others).
Deposit On Call, dan lain-lain). c. Pricing for other Products and Services of the Bank.
c. Pricing Produk dan Jasa Bank Lainnya. 4. Conduct periodic meetings to assess, evaluate Bank
4. Melakukan rapat secara berkala untuk menilai, performance associated with the gap position of
mengevaluasi performance Bank yang berkaitan dengan management, Legal Lending limit (LLL) and Net Open
posisi gap management, batas Maksimum Pemberian Position (NOP).
Kredit (BMPK) dan Posisi Devisa Netto (PDN). 5. Evaluating the Bank’s interest rate risk position and
5. Mengevaluasi posisi risiko suku bunga Bank dan strategi strategies of the Bank to ensure that the Bank’s risk-taking
Bank untuk memastikan bahwa hasil risk taking position position has been consistent with the purpose of the
Bank telah konsisten dengan tujuan pengelolaan risiko interest rate risk management.
suku bunga. 6. Periodically review the Bank’s liquidity position and
6. Me-review secara periodik posisi likuiditas Bank dan formulate the percentage of liquidity to be maintained by
merumuskan besarnya persentase likuiditas yang akan the Bank.
dipertahankan oleh Bank. 7. Periodically review the allocation position of the Bank’s
7. Me-review secara periodik posisi alokasi penempatan placement of funds in earning assets and formulate an
dana Bank pada aktiva yang menghasilkan (earning optimal allocation of funds to earning assets.
assets) dan merumuskan pada alokasi dana pada earning 8. Periodically review the Bank’s funding position and
assets yang optimal. formulate the composition of the types of funding sources
8. Me-review secara periodik posisi sumber dana Bank dan that generate the optimal cost of funds.
merumuskan komposisi jenis-jenis sumber dana yang 9. Periodically review the position and exposure of placement
menghasilkan cost of funds yang optimal. of funds in the interbank money market by setting a global
9. Me-review secara periodik posisi dan eksposure limit on the amount of bank assets in money market
penempatan dana di pasar uang antarbank dengan placements.
menetapkan limit global besarnya aset Bank pada 10. Periodically review and plan the position of the credit
penempatan dana di pasar uang. quality portfolio, also determining the amount of Loan to
10. Me-review dan merencanakan secara periodik posisi Deposit Ratio (LDR) position to be taken by the Bank.
kualitas portofolio perkreditan, juga menetapkan besarnya 11. Conduct a discussion about the Bank’s capital position in
posisi Loan to Deposit Ratio (LDR) yang akan diambil an effort to reach the Capital Adequacy Ratio as determined
Bank. by Bank Indonesia by implementing a thorough capital
11. Melakukan pembahasan mengenai posisi permodalan planning.
Bank dalam upaya mencapai posisi Capital Adequacy 12. To review the discussion of the position/allocation of
Ratio yang ditentukan oleh Bank Indonesia dengan funds to the Bank’s investment in securities, as well as the
melaksanakan capital planning yang cermat. PQUJNBMBNPVOUGPSmYFEBTTFUTBOEJOWFOUPSZPGPGmDF
12. Me-review pembahasan mengenai posisi/alokasi dana 13. To review the deviation between actual results with budget
pada penyertaan dan investasi Bank pada surat-surat projections and business plans of the Bank.
berharga, serta pada jumlah yang optimal atas harta tetap
dan inventaris kantor.
13. Me-review deviasi antara hasil aktual dengan proyeksi
anggaran dan rencana bisnis Bank.

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14. Menyampaikan informasi kepada Direksi mengenai setiap 14. Convey information to the Board of Directors concerning
perkembangan ketentuan dan peraturan terkait yang any related rules and regulations developments that affect
mempengaruhi strategi dan kebijakan Bank. the Bank’s strategy and policy.
15. Melaksanakan rapat-rapat lainnya yang diisyaratkan oleh 15. Implement other meetings that are suggested by changes
perubahan-perubahan yang terjadi di pasar ataupun that occur in the market or changes in terms of government
perubahan-perubahan dari segi regulasi pemerintahan regulation that occur suddenly.
yang terjadi secara tiba-tiba.
Terdapat bBeberapa Ketentuan bagi Tim ALCO sebagai There are some Provisions for ALCO Team as follows:
berikut:
1. Anggota ALCO terdiri dari anggota permanen dan non 1. ALCO members consist of permanent and non permanent
permanen. members.
2. Setiap anggota permanen mempunyai satu hak suara 2. Each permanent member has one vote in the decision
dalam proses pengambilan keputusan melalui voting, making process through voting, while the non-permanent
sedangkan anggota non permanen tidak mempunyai hak members have no voting rights.
suara. 5IF mOBM SFTVMU PG UIF WPUJOH QSPDFTT JT B QSPQPTBM PG
3. Hasil akhir proses voting merupakan suatu usulan Tim "-$05FBNUIBUXJMMIBWFJUTmOBMEFDJTJPOJOUIF#PBSEPG
ALCO yang nantinya keputusan akhir ada dalam Rapat Directors Meeting.
Direksi.
Tim Peneliti dan Pertimbangan Masalah Personal Issues and Considerations Research
Kepegawaian (TPPMK) Team (TPPMK)
Perseroan telah membentuk Tim Peneliti dan Pertimbangan bank bjb has established a Research and Consideration of
Masalah Kepegawaian berdasarkan Surat Keputusan Direksi Personnel Issues Team based on bank bjb Directors Decree
No. 106/SK/DIR-SDM/2008 tanggal 11 Februari 2008 tentang No. 106/SK/DIR-SDM/2008 dated February 11, 2008 on the
Pembentukan Tim Peneliti dan Pertimbangan Masalah Establishment of the Research Team and Consideration of
Kepegawaian Bank Jabar Banten. Personnel Issues of Bank Jabar Banten.
Anggota TPPMK terdiri dari:

Posisi Member of TPPMK consist of: Position
Ketua Pemimpin Divisi SDM | Head of HR Division Chairman
Wakil Ketua Pemimpin Divisi Audit Intern | Head of the Internal Audit Division Vice Chairman
Sekretaris Pemimpin Bagian Administrasi SDM | Head of HR Administration Secretary
Anggota: Members:
3. Pemimpin Divisi dari Unit Bisnis terkait (narasumber) 3. Head of related Business Units (sources)
TPPMK memiliki tugas dan tanggung jawab Duties and Responsible of TPPMK
1) Berdasarkan instruksi Direksi melaksanakan penelitian 1) Based on the instruction of the Board of Directors to
terhadap hasil temuan pengawasan/audit baik intern DPOEVDUSFTFBSDIPOUIFmOEJOHTBOENPOJUPSJOHBVEJUJOH
maupun ekstern yang memerlukan tindak lanjut dalam results both internally and externally that requires follow-
penetapan hukuman disiplin. up in terms of determining disciplinary action.
2) Memberikan saran/pertimbangan kepada Direksi 2) Providing advice/ consideration to the Board of Directors on
mengenai tindak lanjut penetapan hukuman disiplin follow-ups to the determination of disciplinary punishment
kepada pegawai yang terbukti lalai dan atau melanggar to employees who have been proven negligent and/ or
ketentuan-ketentuan yang berlaku. violating the applicable rules.

Pendahuluan
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SEKRETARIS PERUSAHAAN
CORPORATE SECRETARY
Agus Mulyana
Sekretaris Perusahaan
Corporate Secretary
Perseroan telah memiliki Divisi Sekretaris Perusahaan bank bjb’s has a division of Corporate Secretary, as required
(Corporate Secretary), sebagaimana disyaratkan dalam in the Regulation Bapepam-LK IX.I.4 concerning the
Peraturan Bapepam-LK IX.I.4 perihal pembentukan Sekretaris establishment of the Corporate Secretary pursuant to bank bjb
Perusahaan dan berdasarkan Surat Keputusan Direksi Directors Decree No. 695/DIR-SDM/2012 dated November 26,
bank bjb No. 0049/SK/DIR-SDM/2014 tanggal 3 Februari 2010, it was decided that the Mr. Agus Mulyana who formerly
2014 diputuskan bahwa Bapak Agus Mulyana yang dahulu served as Head of Kanwil I was transferred as Division Head
menjabat sebagai Pemimpin Kanwil III dimutasikan sebagai of Corporate Secretary bank bjb.
Pemimpin Divisi Corporate Secretary Perseroan.
Riwayat hidup Sekretaris Perusahaan Perseroan adalah bank bjb Corporate Secretary resume is as follows:
sebagai berikut:
Nama : Agus Mulyana Name : Agus Mulyana

Jabatan : Pemimpin Divisi Corporate Secretary Position : Corporate Secretary Division Chief
Karir di Perseroan : Bekerja di Perseroan sejak 1991 Career in
Pendidikan : S2 MM UNPAD Lulusan tahun 2007 the Company : Working in the Company since 1991
Dasar Hukum Education : S2 MM UNPAD 2007
Penunjukkan : SK Direksi bank bjb No. 0049/ Legal Based on : SK Directors bank bjb No. 0049/SK/
SK/DIR-SDM/2014 tanggal DIR-HR/2014 dated
3 Februari 2014 February 3, 2014
Pelatihan/Sertifkasi : BSMR Level 5 Tahun 2014 5SBJOJOH$FSUJmDBUJPO #4.3-FWFM5BIVO
Sekretaris Perusahaan bertanggung jawab terhadap Corporate Secretary is responsible for the communication
komunikasi tentang informasi material Bank secara tepat of information material about Bank in a timely and accurate
waktu dan akurat kepada seluruh pemangku kepentingan. manner to all stakeholders. The announcement about the
Pengumuman mengenai kondisi dan kinerja Perseroan telah condition and performance of the Company is in accordance
sesuai dengan peraturan dan ketentuan serta Anggaran with the rules and regulations as well as the Articles of
Dasar Perseroan. Associations of the Company.
Sejalan dengan prinsip keterbukaan dan ketentuan Bank In line with principles of openness and Bank Indonesia
Indonesia mengenai kewajiban pengungkapan informasi provisions concerning Bank disclosure obligations, Corporate
Bank, Sekretaris Perusahaan juga bertanggung jawab Secretary also responsible for communication and delivery
atas komunikasi dan penyampaian informasi yang penting of important information regarding the Bank to the Banking
mengenai Bank kepada Otoritas Perbankan, Moneter dan Authority, Monetary and Capital Markets, shareholders and
Pasar Modal, Pemegang Saham serta masyarakat umum the general public throughout the year 2014.
sepanjang tahun 2014.

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CORPORATE SECRETARY
Sekretaris Perusahaan bertugas membantu Direksi terkait Corporate Secretary assists the Board of Directors in relations
dengan akuntabilitas dan tanggung jawab Direksi atas to the accountability and responsibilities of the Board of
permasalahan-permasalahan yang berkaitan dengan good Directors on issues relating to good corporate governance
corporate governance serta kegiatan sosial. and social activities.
Bidang tugas Sekretaris Perusahaan antara lain adalah: 5IFmFMEPG$PSQPSBUF4FDSFUBSZBSF BNPOHPUIFST

1. Mengikuti perkembangan Pasar Modal, khususnya 1. Follow the development of the Capital Market, especially
peraturan-peraturan yang berlaku di bidang Pasar Modal. the rules that apply in the Capital Market.
2. Memberikan pelayanan atas setiap informasi yang 2. Provide services for any information needed by investors
dibutuhkan pemodal yang berkaitan dengan kondisi Bank. relating to the condition of the Bank.
3. Memberikan masukan kepada Direksi untuk mematuhi 3. Advise the Board of Directors to comply with the provisions
ketentuan Undang-Undang Nomor 8 tahun 1995 tentang of Law No. 8 of 1995 concerning Capital Market and its
Pasar Modal dan peraturan pelaksanaannya. implementing regulations.
4. Sebagai penghubung antara Perseroan dengan 4. As a liaison between the Company and Bapepam-LK and
Bapepam-LK dan masyarakat. the community.
Pelaksanaan Tugas Sekretaris Perusahaan Corporate Secretary Task Implementation

Sepanjang tahun 2014, Sekretaris Perusahaan Perseroan Throughout 2014, the Corporate Secretary of the Company
telah melaksanakan kegiatan-kegiatan sebagai berikut: has implemented the following activities:
1. Mempersiapkan rapat Dewan Komisaris dan Direksi, 1. Preparing for the Board of Commissioners and Directors
mencatat hasil rapat dan mendistribusikannya kepada meeting, noting the results of the meeting and distribute it
pihak-pihak yang berkepentingan. to the parties concerned.
2. Mengirimkan pemberitahuan dan mempersiapkan segala 2. Send notices and prepare for every matter that is related to
sesuatu terkait dengan penyelenggaraan Rapat Umum the implementation of the General Meeting of Shareholders
Pemegang Saham dan mempublikasikan hasil keputusan and publish the results of the meeting’s decision.
rapat. 3. Maintaining good relations with the Capital Market authority
3. Menjaga hubungan baik dengan Otoritas Pasar Modal and prepare reports on the Company’s information
dan mempersiapkan laporan-laporan mengenai disclosure in accordance with the applicable regulations.
pengungkapan keterbukaan informasi Perseroan sesuai 4. Coordination and administration of registration of
dengan ketentuan yang berlaku. ownership of shares and corporate actions.
4. Melakukan koordinasi dan administrasi pencatatan 5. Coordinate public relations activities and marketing
kepemilikan saham dan tindakan korporasi. communications for the Company.
5. Mengkoordinasikan kegiatan public relations dan 6. Manage and conduct promotional activities of products
marketing communications untuk Perseroan. and services of the bank, including the preparation of the
6. Mengelola dan melakukan kegiatan promosi produk dan Annual Reports Book.
jasa bank, termasuk pembuatan Buku Laporan Tahunan. 7. Managing institutional relations (counter party).
7. Mengelola hubungan kelembagaan (counterparty). 8. Coordinate and monitor the follow-up on customer
8. Mengkoordinasikan dan memantau tindak lanjut atas complaints.
pengaduan nasabah. $BSSZ PVU UIF CSBODI EFWFMPQNFOU JO UIF mFME PG QVCMJD
9. Melaksanakan pembinaan cabang dalam bidang relations, customer complaints, and secretarial.
kehumasan, pengaduan nasabah, dan kesekretariatan. 10. Implement the CSR (Corporate Social Responsibility)
10. Melaksanakan program CSR (Corporate Social program as a form of the Company’s awareness and
Responsibility) sebagai wujud kepedulian dan kontribusi contribute to the improvement of the quality of life of the
Perseroan terhadap peningkatkan kualitas hidup surrounding community.
masyarakat sekitar.

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11. Melaksanakan prinsip kehati-hatian dan kepatutan 11. Implement the principle of prudence and propriety of the
terhadap peraturan Bank Indonesia, peraturan perundang- Bank Indonesia regulations, laws and regulations, as well
undangan, serta peraturan intern bank lainnya yang as other bank’s internal regulations in force.
berlaku. 12. Implement educational programs on banking for the
12. Melaksanakan program edukasi perbankan untuk general public.
masyarakat umum.
Struktur Organisasi Divisi Sekretaris Perusahaan

Corporate Secretary Division Organization Structure
DIREKTUR UTAMA
President Director
Ahmad Irfan
DIVISI
PEMIMPIN DIVISI
Division of Corporate Secretary
Head Divison
Agus Mulyana
GRUP GRUP GROUP KESEKRETARIATAN GROUP GROUP

GRUP KESEKRETARIATAN DIREKSI HUBUNGAN INVESTOR EXECUTIVE DEWAN KOMISARIS KOMUNIKASI PEMASARAN CORPORATE SOCIAL
HUBUNGAN MASYARAKAT BOD SECRETARY INVESTOR RELATION BOC EXECUTIVE SECRETARY MARKETING COMMUNICATION RESPONSIBILITY (CSR)
PUBLIC RELATION CORPORATE SOCIAL
M. Asadi Budiman RESPONSIBILITY (CSR)
Titin Suartini Susie M.
Jadi Kusmaryadi Widi Hartoto PEMIMPIN GRUP/ GROUP HEAD PEMIMPIN GRUP/ GROUP HEAD Permatasari
PEMIMPIN GRUP/ GROUP HEAD PEMIMPIN GRUP/ GROUP HEAD Saiful Rizal
PEMIMPIN GRUP/ GROUP HEAD
PEMIMPIN GRUP/ GROUP HEAD
• Manager • Manager • Manager 2IÀFHU 2IÀFHU 2IÀFHU

2IÀFHU • Staff 2IÀFHU • Staff • Staff • Staff
• Staff • Secretary • Staff
Program Pelatihan Peningkatan Kompetensi Sekretaris Perusahaan Tahun 2014

Competence Enhancement Training Program for Corporate Secretary in 2014
Lokasi/Location
Agus Mulyana Seminar Nasional BPDSI Jakarta 15-Dec-14 16-Dec-14
4FSUJmLBTJ.BOBKFNFO3JTJLP-FWFM Bandung 20-May-14 20-May-14

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KEPATUHAN
COMPLIANCE
Kepatuhan terhadap Peraturan Bank Indonesia serta Compliance with Bank Indonesia Regulations as well as
peraturan perundang-undangan lain yang berlaku wajib other applicable laws and regulations shall be carried out
dilaksanakan oleh Dewan Komisaris, Direksi, dan seluruh by the Board of Commissioners, Directors, and all
pegawai dalam organisasi Bank. Kepatuhan harus dilihat employees in the organization of the Bank. Compliance
sebagai fungsi yang merupakan bagian tak terpisahkan dari should be viewed as a function that is an inseparable part
aktivitas bisnis Bank, karena setiap kegagalan pelaksanaan of the Bank’s business activity, for every failure of
kepatuhan dapat menyebabkan risiko kepatuhan, risiko compliance can lead to compliance risk, reputation risk, and
reputasi, dan risiko lainnya. other risks.
Kegiatan usaha Perseroan hingga saat ini terus mengalami The business activities of the Company to date
perubahan dan peningkatan sejalan dengan perkembangan continues to experience changes and improvements
teknologi informasi, globalisasi dan intergrasi pasar keuangan, in line with the development of information technology,
sehingga kompleksitas kegiatan usaha pun semakin tinggi. HMPCBMJ[BUJPO BOE JOUFHSBUJPO PG mOBODJBM NBSLFUT IFODF
Kompleksitas kegiatan usaha bank yang semakin meningkat the complexity of business activities is even higher. The
tersebut mengakibatkan tantangan dan eksposur risiko yang complexity of the bank’s business activities has resulted in
dihadapi juga semakin besar, maka diperlukan berbagai increasing challenges and exposure risks that are also getting
macam uoaya untuk memitigasi risiko tersebut. Upaya bigger, it would require a wide range of efforts to mitigate
yang harus dilakukan oleh Satuan Kerja Kepatuhan adalah these risks. Efforts that must be performed by the Compliance
bersifat ex ante yang sangat diperlukan untuk mengurangi Unit is ex ante which is very necessary to reduce or minimize
atau memperkecil potensi risiko kegiatan usaha bank yang the potential risk of the bank’s business activities that are
diperkirakan akan terjadi. expected to occur.
Oleh karena itu, diperlukan adanya peningkatan peran dan Therefore, the increased role and Function of Compliance
Fungsi Kepatuhan serta Satuan Kerja Kepatuhan dalam as well as the Compliance Unit in the management of
pengelolaan risiko kepatuhan. Pengelolaan risiko kepatuhan compliance risk is required. Good and timely compliance risk
yang baik dan tepat waktu diharapkan dapat meminimalisir management are expected to minimize the impact of risks as
dampak risiko sedini mungkin. Dengan demikian peran dan early as possible. Thus the role and function of Compliance
Fungsi Kepatuhan juga harus mampu mengelola Risiko must also be able to manage the Compliance Risk to be in line
Kepatuhan agar sejalan dengan penerapan Manajemen with the Compliance Risk Management application that has
Risiko yang telah berjalan di bank secara keseluruhan. been implemented in the bank as a whole.
Sosialisasi GCG Tahun 2014 2014 GCG Socialization

Penerapan GCG diawali dengan penerapan budaya GCG Implementation begins with the application of corporate
perusahaan yang didalamnya terdapat tata nilai atau nilai-nilai culture in which there are values or principal values of which
utama yang menjadi corporate value Perseroan. becomes the corporate value pf the Company.
Dalam mewujudkan komitmen untuk melaksanakan In realizing the commitment to implement GCG practices,
praktik-praktik GCG maka corporate value Perseroan the corporate value of the Company is set out in the form of
dijabarkan dalam bentuk code of conduct (etika usaha dan code of conduct (work ethics and code of conduct) to be
tata perilaku) untuk menjadi acuan perilaku bagi Dewan the behavioral reference for the Board of Commissioners,
Komisaris, Direksi dan seluruh pegawai Perseroan dalam Directors, and all employees of the Company in managing
mengelola perusahaan guna mencapai visi, misi dan tujuan the company to achieve the vision, mission and goals of the
perusahaan. company.
Salah satu etika perilaku yang terdapat pada code of conduct One of the ethical behaviour contained in the code of conduct
yaitu standar etika untuk menghindari benturan kepentingan JT UIF FUIJDBM TUBOEBSET UP BWPJE DPOnJDUT PG JOUFSFTU BOE
dan penyalahgunaan jabatan serta etika untuk tidak menerima BCVTFPGPGmDFBOEUIFFUIJDTUPOPUBDDFQUHSBUVJUJFTPGBOZ

Pendahuluan
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HSBUJmLBTJEBMBNCFOUVLBQBQVOZBOHCFSIVCVOHBOEFOHBO LJOE SFMBUJOH UP UIF PGmDF BOE BT LOPXO POF PG UIF ($(
jabatan, dan sebagaimana diketahui salah satu cakupan JNQMFNFOUBUJPO DPWFSBHF JT JO UIF IBOEMJOH PG DPOnJDUT PG
dalam pelaksanaan GCG yaitu penanganan benturan interest.
kepentingan.
Maka dalam rangka implementasi standar etika pada code Therefore, in order to implement ethical standards in the code
of conduct dan penanganan benturan kepentingan sebagai PGDPOEVDUBOEIBOEMJOHPGDPOnJDUTPGJOUFSFTUBTPOFGPSNPG
salah satu wujud penerapan Good Corporate Governance, Good Corporate Governance implementation, the Company
1FSTFSPBO NFOFSBQLBO 1SPHSBN 1FOHFOEBMJBO (SBUJmLBTJ BQQMJFT (SBUJmDBUJPO $POUSPM 1SPHSBN BT B DPPQFSBUJWF
sebagaimana kesepekatan kerja sama dengan pihak Komisi agreement with the Corruption Eradication Commission.
Pemberantasan Korupsi.
Fungsi Kepatuhan Compliance Function

Pada Tahun 2011 telah disahkan Peraturan Bank Indonesia No. In 2011, Bank Indonesia Regulation No. 13/2/PBI/2011 dated
13/2/PBI/2011 tanggal 12 Januari 2011 Tentang Pelaksanaan 12 January 2011 on the Implementation of the Compliance
Fungsi Kepatuhan Bank Umum yang mana ketentuan PBI ini Function Commercial Bank has been approved, in which the
merevisi ketentuan mengenai Direktur Kepatuhan yang diatur provisions of this regulation revises the provisions concerning
dalam Peraturan Bank Indonesia No.1/6 /PBI/1999 tanggal 20 the Compliance Director stipulated in Bank Indonesia
September 1999. Regulation No. 1/6/PBI/1999 dated 20 September 1999.
1) Sistem atau proses yang bertujuan untuk memastikan 1) System or process that aims to ensure that the Bank
bahwa Bank telah mematuhi Peraturan Bank Indonesia, has complied with Bank Indonesia Regulations, other
peraturan perundang-undangan lainnya yang berlaku, legislation in force, as well as agreements or commitments
serta perjanjian atau komitmen dengan Bank Indonesia. with Bank Indonesia.
2) Mekanisme untuk melindungi Bank dari kewajiban yang 2) The mechanisms to protect the bank from liability incurred
ditimbulkan sehubungan adanya perjanjian/kerja sama in relation to the agreements/ cooperations with customers
dengan nasabah atau pihak lain yang dapat merugikan or other parties that may be detrimental to the bank.
Bank.
'VOHTJ ,FQBUVIBO NFODBLVQ JEFOUJmLBTJ UBOHHVOH KBXBC 5IFDPNQMJBODFGVODUJPOJODMVEFTJEFOUJmDBUJPOPGDPNQMJBODF

kepatuhan, penilaian risiko kepatuhan, pengawasan, responsibilities, compliance risk assessment, supervision,
pemantauan, dan pelaporan pelaksanaan kepatuhan monitoring, and reporting of the Bank’s compliance
Bank kepada Bank Indonesia dan pihak terkait. Dalam implementation to Bank Indonesia and other concerned
melaksanakan fungsi kepatuhan tersebut, Perseroan telah parties. In performing the compliance function, bank bjb have
membentuk unit khusus, yaitu Divisi Kepatuhan dan Hukum formed a special unit, namely the Compliance and Legal
yang berada dibawah koordinasi Direktur Kepatuhan dan Division under the coordination of the Director of Compliance
Manajemen Risiko, dimana Divisi Kepatuhan dan Hukum and Risk Management, the Compliance and Legal Division
membawahi pula Bagian Kepatuhan yang mempunyai tugas also oversees the Compliance Section which has the task to
melakukan uji kepatuhan atas setiap rancangan kebijakan/ test the compliance of each drafts of policy/ decision, systems
keputusan, sistem dan prosedur, serta melakukan uji and procedures, as well as compliance test to the compliance
kepatuhan atas compliance sheet. Pemeriksaan selanjutnya sheet. The next examination will be carried out by the Internal
akan dilaksanakan oleh Audit Intern untuk memastikan bahwa Audit to ensure that the compliance test conducted by the
uji kepatuhan yang dilakukan oleh unit bersangkutan tersebut concerned units have been implemented correctly.
telah dilaksanakan dengan benar.

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COMPLIANCE
A. Fungsi Direktur yang Membawahkan Fungsi A. Function of Director who Heads the Compliance
Kepatuhan Function
a. Mewujudkan terlaksananya Budaya Kepatuhan pada a. Realize the implementation of the Compliance Culture
semua tingkatan organisasi dan kegiatan usaha Bank. at all levels of the organization and activities of the
b. Mengelola Risiko Kepatuhan yang dihadapi oleh Bank. Bank’s business.
c. Memastikan agar kebijakan, ketentuan, sistem, dan b. Managing Compliance Risks faced by the Bank.
prosedur serta kegiatan usaha yang dilakukan oleh c. Ensure that policies, rules, systems and procedures as
Bank telah sesuai dengan ketentuan Bank Indonesia well as business activities are conducted by the Bank
dan peraturan perundang-undangan yang berlaku, in accordance with the provisions of Bank Indonesia
termasuk Prinsip Syariah bagi Bank Umum Syariah and the legislation in force, including Sharia Principles
dan Unit Usaha Syariah, dan for Sharia Banking and Sharia Business Units, and
d. Memastikan kepatuhan Bank terhadap komitmen yang d. Ensure the compliance of the Bank towards the
dibuat oleh Bank kepada Bank Indonesia dan/atau commitments made by Bank to Bank Indonesia and/or
otoritas pengawas lain yang berwenang. other regulatory authority.
B. Tugas Direktur yang Membawahkan Fungsi B. Duties of the Director who Heads the Compliance
Kepatuhan Function
Tugas dan tanggung jawab Direktur yang membawahkan Duties and responsibilities of the Director who heads the
Fungsi Kepatuhan, paling kurang mencakup: Compliance function, at least include:
a. Merumuskan strategi guna mendorong terciptanya a. Formulate strategies to encourage the establishment
Budaya Kepatuhan Bank; of Bank Compliance Culture;
b. Mengusulkan kebijakan kepatuhan atau prinsip- b. Propose compliance policy or adherence principles
prinsip kepatuhan yang akan ditetapkan oleh Direksi; which will be set by the Board of Directors;
c. Menetapkan sistem dan prosedur kepatuhan yang c. Establish compliance systems and procedures that
akan digunakan untuk menyusun ketentuan dan will be used to develop the Bank’s internal rules and
pedoman internal Bank; guidelines;
d. Memastikan bahwa seluruh kebijakan, ketentuan, d. Ensure that all policies, rules, systems and procedures,
sistem, dan prosedur, serta kegiatan usaha yang as well as business activities by the Bank is in
dilakukan Bank telah sesuai dengan ketentuan Bank accordance with the provisions of Bank Indonesia and
Indonesia dan peraturan perundang-undangan yang the legislation in force, including Sharia Banking and
berlaku, termasuk Prinsip Syariah bagi Bank Umum Sharia Business Units;
Syariah dan Unit Usaha Syariah; e. Minimize the Bank’s Compliance Risk;
e. Meminimalkan Risiko Kepatuhan Bank; f. Take action to prevent the policy and/or decisions
f. Melakukan tindakan pencegahan agar kebijakan taken by the Bank Directors or the management of
dan/atau keputusan yang diambil Direksi Bank #BOL #SBODI 0GmDFT PG 0WFSTFBT #BOL EPFT OPU
atau pimpinan Kantor Cabang Bank Asing tidak deviate from the provisions of Bank Indonesia and the
menyimpang dari ketentuan Bank Indonesia dan legislation in force;
peraturan perundang-undangan yang berlaku; g. Perform other tasks related to the Compliance
g. Melakukan tugas-tugas lainnya yang terkait dengan Function.
Fungsi Kepatuhan.
Tugas dan tanggung jawab sebagaimana dimaksud di Duties and responsibilities referred to above does not
atas tidak menghilangkan hak dan kewajiban Direktur eliminate the rights and obligations of the Director who
yang membawahkan Fungsi Kepatuhan sebagai anggota heads the Compliance Functions as a member of the
Direksi Bank sebagaimana diatur dalam Undang-Undang Board of Directors of the Bank as stipulated in the Law on
tentang Perseroan Terbatas, apabila untuk perbuatan- Limited Liability Company, if for certain actions require the
perbuatan tertentu tersebut diperlukan keputusan dari decision of all members of the Board of Directors of the
seluruh anggota Direksi Bank. Bank.

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C. Peran Direktur Kepatuhan dalam Pelaksanaan C. Role of the Compliance Director in the Implementation
Penerapan Good Corporate Governance of Goood Corporate Governance
Direktur yang membawahkan Fungsi Kepatuhan Director who heads the Compliance Function is obligated
berkewajiban memastikan penerapan Good Corporate to ensure the implementation of Good Corporate
Governance serta memantau pelaksanaannya. Governance as well as monitor their implementation.
Tugas Unit Kepatuhan Task of the Compliance Unit

Divisi Kepatuhan memiliki tugas mencakup: The Compliance Division has the duties which include:
a. Membuat langkah-langkah dalam rangka mendukung a. Create steps in order to support the establishment of
terciptanya Budaya Kepatuhan pada seluruh kegiatan the Compliance Culture in all activities of the Bank at
usaha Bank pada setiap jenjang organisasi; every level of organization;
C .FMBLVLBO JEFOUJmLBTJ QFOHVLVSBO monitoring, dan C $POEVDUJEFOUJmDBUJPO NFBTVSFNFOU NPOJUPSJOH BOE
pengendalian terhadap Risiko Kepatuhan dengan control of the Risk Compliance by referring to Bank
mengacu pada peraturan Bank Indonesia mengenai Indonesia regulation concerning the Application of
Penerapan Manajemen Risiko bagi Bank Umum; Risk Management for Commercial Banks;
c. Menilai dan mengevaluasi efektivitas, kecukupan, c. Assess and evaluate the effectiveness, adequacy,
dan kesesuaian kebijakan, ketentuan, sistem maupun and appropriateness of policies, rules, systems and
prosedur yang dimiliki oleh Bank dengan peraturan procedures of the Bank with the legislation in force;
perundang-undangan yang berlaku; d. To review and/ or recommend updates and
d. Melakukan review dan/atau merekomendasikan improvements of policies, rules, systems and
pengkinian dan penyempurnaan kebijakan, ketentuan, procedures of the Bank to comply with Bank Indonesia
sistem maupun prosedur yang dimiliki oleh Bank regulation and the applicable legislation, including
agar sesuai dengan ketentuan Bank Indonesia the Pronciples of Sharia Banking and Sharia Business
dan peraturan perundang-undangan yang berlaku, Units;
termasuk Prinsip Syariah bagi Bank Umum Syariah e. Make efforts to ensure that policies, regulations,
dan Unit Usaha Syariah; systems and procedures, as well as the Bank’s business
e. Melakukan upaya-upaya untuk memastikan bahwa activities are in accordance with the provisions of Bank
kebijakan, ketentuan, sistem dan prosedur, serta Indonesia and applicable legislations; and
kegiatan usaha Bank telah sesuai dengan ketentuan f. Perform other tasks related to the Compliance
Bank Indonesia dan peraturan perundang-undangan Function.
yang berlaku; dan
f. Melakukan tugas-tugas lainnya yang terkait dengan
Fungsi Kepatuhan.
Tanggung Jawab Utama Unit Kepatuhan Main Responsibilitiy of the Compliance Unit
Divisi Kepatuhan memiliki tanggung jawab mencakup: The Compliance Division has the responsibilities including:
1. Terkait ke Strategi Perusahaan 1. Related to the Company’s Strategy
a. Melakukan koordinasi dengan Divisi lain dalam a. Coordinate with other divisions in drafting and
menyusun dan merumuskan Rencana Bisnis Divisi. formulating a Division Business Plan.
b. Mengelola penerapan manajemen risiko bidang b. Managing the implementation of risk management
Kepatuhan. JOUIF$PNQMJBODFmFME
c. Menyusun, merumuskan dan mengembangkan c. Prepare, formulate and develop the Company
Buku Pedoman Perusahaan (BPP) dan Kebijakan Manual (BPP) and Compliance Function Policy
Fungsi Kepatuhan. d. Prepare, formulate and develop the direction,
d. Menyusun, merumuskan dan mengembangkan policy, and the Standard Operating Procedure
arah, kebijakan, dan Standar Operasional Prosedur (SOP) as well as the documentation of the
(SOP) serta dokumentasi Fungsi Kepatuhan. Compliance Function.

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COMPLIANCE
2. Anggaran 2. Budget
a. Mempersiapkan, mengkoordinasikan, dan a. Prepare, coordinate, and control the budget of
mengontrol anggaran Satuan Kerja Kepatuhan/ the Compliance Unit/Division of Compliance, in
Divisi Kepatuhan, sesuai dengan rencana kerja accordance with the work plan which has been
yang telah disusun. prepared.
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seefektif mungkin, memastikan agar program dan effectively as possible, ensure that the program
sistem berjalan secara cost effective (efektif dari and system run cost effectively (cost effective).
segi biaya).
3. Terkait ke Kepatuhan 3. Related to Compliance

a. Memastikan pelaksanaan Pedoman Kepatuhan a. Ensure the implementation of the Compliance
yang berisi kerangka kerja, kebijakan dan proses Manual which contains the framework, policies
yang tepat untuk memastikan terpenuhinya and processes to ensure the accordance with the
peraturan Bank Indonesia, Peraturan Bapepam LK regulation of Bank Indonesia, Bapepam-LK, and
dan perundang-undangan lainnya yang berlaku. other applicable laws and regulations. Develop a
Mengembangkan suatu program kepatuhan bagi compliance program for the Bank and collaborate
Bank dan bekerja sama dengan divisi lain untuk with other divisions to clarify the responsibilities of
memperjelas tanggung jawab masing-masing each party.
pihak. b. Develop compliance procedures in each unit,
b. Mengembangkan prosedur kepatuhan pada by informing changes in the applicable laws and
setiap satuan kerja, dengan menginformasikan regulations to be adjusted to the bank’s internal
perubahan peraturan perundang-undangan yang guidelines by the relevant Division.
berlaku untuk disesuaikan ke dalam pedoman c. Develop, implement and maintain bank compliance
intern bank oleh Divisi terkait. by giving the management the views on legal
c. Mengembangkan, melaksanakan dan issues found.
mempertahankan kepatuhan bank dengan d. Develop, implement and maintain bank compliance
memberikan pandangan kepada pihak manajemen to the implementation of policies, procedures and
mengenai masalah hukum yang ditemukan. guidelines on anti money laundering and criminal
d. Mengembangkan, melaksanakan dan acts of terrorism.
mempertahankan kepatuhan bank terhadap e. Act as the party to be reached at the Bank relating
penerapan kebijakan, prosedur dan panduan to internal handling of suspicious transactions
mengenai anti tindak pencucian uang dan tindak reports from staff, and also those who may be
pidana terorisme. contacted for Anti-Money Laundering Unit by
e. Bertindak sebagai pihak yang dihubungi di Bank government agencies interested in the money
mengenai penanganan secara internal laporan laundering act.
transaksi yang mencurigakan dari staf, dan juga f. Conduct a review on bank policies that are not
pihak yang dapat dihubungi untuk Unit Anti- consistent with the applicable regulations.
Money Laundring oleh instansi pemerintah yang g. Provide feedback to the management on
berkepentingan terhadap tindak pencucian uang
ini.
f. Melakukan kajian atas kebijakan bank yang belum
selaras dengan peraturan perundangan yang
berlaku.
g. Memberikan masukan kepada pihak manajemen
mengenai masalah Kepatuhan dan potensi dampak,
tren serta perkembangan peraturan yang ada.

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h. Melaksanakan penyelidikan mandiri atas setiap compliance issues and potential impacts, trends
transaksi yang mencurigakan, yang dilaporkan and regulatory developments that exist.
baik oleh staf Bank sendiri ataupun oleh nasabah h. Carry out independent investigations of any
Bank. suspicious transactions, which are reported either
i. Memastikan bahwa Bank selalu memenuhi Bank staff or Bank customers.
persyaratan regulasi dalam waktu yang tepat. i. Ensure that the Bank always meets the regulatory
j. Mengkaji aspek kepatuhan atas usulan produk requirements in a timely manner.
baru dan pengembangan bisnis baru. j. Assess the compliance aspects of the proposed
k. Mengkaji aspek kepatuhan atas dokumentasi new products and new business development.
publik mengenai Bank, termasuk data yang k. Assess the compliance aspects of the public
ditampilkan di website Bank. documentation about the Bank, including the data
l. Menanggapi dokumen konsultatif ataupun displayed on the website of the Bank.
diskusi terkait aspek hukum dan kepatuhan yang l. Responding to consultative documents or
diterbitkan oleh badan regulasi perbankan atau discussions related to the legal and compliance
keuangan. BTQFDUTJTTVFECZBCBOLJOHPSmOBODJBMSFHVMBUPSZ
m. Meningkatkan kesadaran akan kepatuhan di antara bodies.
para staf dengan cara memberikan informasi, m. Raise awareness of compliance among staff by
publikasi dan pelatihan mengenai Kepatuhan providing information, publications and training on
secara reguler. Compliance on a regular basis.
n. Melaksanakan pemantauan Kepatuhan. n. Carry out Compliance monitoring.
o. Memastikan Bank selalu mematuhi peraturan yang o. Ensure that the Bank always complies with the
berlaku. applicable regulations.
4. Kajian 4. Study
a. Melakukan kajian aspek kepatuhan dan penerapan a. Reviewing aspects of compliance and
prinsip kehati-hatian terhadap peraturan internal implementation of the prudent principle to the
Bank antara lain berupa Surat Keputusan, Surat Bank’s internal regulations, amomg others in the
Edaran, dan bentuk surat lainnya sesuai tata form of Decrees, Circular Letters, and other form of
naskah dinas Bank yang berlaku serta perjanjian MFUUFSTBQQSPQSJBUFUP#BOLPGmDJBMUFYUTJOGPSDFBT
atau dokumen hukum lainnya baik yang telah well as agreements or other legal documents that
berjalan ataupun yang diajukan. have either operational or proposed.
b. Mempertahankan operasional bisnis berjalan b. Maintain business operations to run according to
sesuai ketentuan. the provisions.
5. Manajemen Divisi 5. Division Management

Mempekerjakan, mengawasi pekerjaan, melatih, Hiring, supervising the work, training, assisting,
mendampingi, mengembangkan ketrampilan, serta developing skills, as well as evaluating Compliance
mengevaluasi para staf Kepatuhan guna mencapai staffs to achieve higher effectiveness in the
tingkat efektivitas kinerja di Divisi ini. performance of this Division.
6. Terkait Manajemen Krisis 6. Related to Crisis Management

Berperan aktif dalam Tim Manajemen Krisis (Bussiness Play an active role in the Crisis Management Team
Continuity Plan/BCP) sesuai dengan peran dan (Business Continuity Plan/BCP) in accordance with the
tanggung jawab sebagaimana tercantum di dalam roles and responsibilities as stated in the Manual Book/
Buku Manual/Panduan Manajemen Krisis. Crisis Management Guide.

Introduction
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COMPLIANCE
7. Kerja Sama Internal 7. Internal Cooperation

Mengembangkan, mempertahankan lini kerja, dan Develop, maintain the line of work, and facilitate
memfasilitasi komunikasi dengan Divisi lain, Kantor communication with other Division, Regional/ Branch
Wilayah/Kantor Cabang, dalam hal konsultasi dan 0GmDF JODPOTVMUBUJPOBOEHJWJOHPQJOJPOTBTXFMMBT
pendapat serta pendampingan hukum. Tujuannya legal assistance. The aim is to ensure all compliance
adalah untuk memastikan semua risiko kepatuhan risks have been properly handled.
telah tertangani dengan baik.
8. Pelaporan 8. Reporting
a. Memastikan dilaksanakannya penyampaian a. Enforce submission of reports to Bank Indonesia
laporan kepada Bank Indonesia tentang on the implementation of the Director in charge of
pelaksanaan Direktur yang membawahkan Fungsi Compliance Functions, including:
Kepatuhan, meliputi: 1. Compliance work plan, which is contained in
1. Rencana kerja kepatuhan yang dimuat dalam the Bank’s business plan;
rencana bisnis Bank; 2. Compliance report; and
2. Laporan kepatuhan; dan 3. Special report on the policy and/or the Board’s
3. Laporan khusus mengenai kebijakan dan/ decision that the Director who heads the
atau keputusan Direksi yang menurut Direktur Compliance Function has deviated from the
yang membawahkan Fungsi Kepatuhan telah provisions of Bank Indonesia and/or applicable
menyimpang dari ketentuan Bank Indonesia regulations.
dan/atau peraturan perundang-undangan b. The report referred to in Article 16 letter b, shall be
yang berlaku. signed by the Director in charge of the Compliance
b. Laporan sebagaimana dimaksud dalam Pasal Function, and submitted to Bank Indonesia every
16 huruf b, wajib ditandatangani oleh Direktur semester and received by Bank Indonesia no later
yang membawahkan Fungsi Kepatuhan, dan than 1 (one) month after the reporting period ends
disampaikan kepada Bank Indonesia setiap with a copy to the Board of Commissioners and the
semester dan diterima Bank Indonesia paling President Director.
lambat 1 (satu) bulan setelah periode pelaporan c. The bank is considered late in submitting the
berakhir dengan tembusan kepada Dewan compliance report if the reports is received by
Komisaris dan Direktur Utama. Bank Indonesia beyond the deadline of submission
c. Bank dianggap terlambat menyampaikan laporan of the report referred to in paragraph (1), but
kepatuhan apabila laporan diterima Bank Indonesia not exceeding 1 (one) month after the reporting
melampaui batas akhir waktu penyampaian deadline.
laporan sebagaimana dimaksud pada ayat (1), d. The bank is considered not submitting the
tetapi belum melampaui 1 (satu) bulan setelah compliance report if the report has not been
batas akhir waktu penyampaian laporan. received by Bank Indonesia until the end of the
d. Bank dianggap tidak menyampaikan laporan delay time limit referred to in paragraph (3).
kepatuhan apabila laporan tersebut belum e. The report referred to in Article 16 letter C is
diterima Bank Indonesia hingga akhir batas waktu submitted to Bank Indonesia no later than 7 (seven)
keterlambatan sebagaimana dimaksud pada ayat working days after the deviation was made known
(3). to the Director in charge of Compliance Functions
e. Laporan sebagaimana dimaksud dalam Pasal 16 regarding the occurrence of the deviation.
huruf c disampaikan kepada Bank Indonesia paling
lambat 7 (tujuh) hari kerja sejak diketahui oleh
Direktur yang membawahkan Fungsi Kepatuhan
mengenai adanya penyimpangan.

Pendahuluan
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yang berada di bawah Grup Kepatuhan dalam the Compliance Group in the implementation
Mengelola pelaksanaan Program Pengendalian NBOBHFNFOU PG (SBUJmDBUJPO $POUSPM 1SPHSBN
(SBUJmLBTJ 1FSMVBTBO -),1/ EBO 4JTUFN Extended LHKPN and Abuse Reporting System.
Pelaporan Pelanggaran. b. Always cooperate with the KPK in the
b. Senantiasa bekerja sama dengan KPK dalam implementation of Gratuity Control Program.
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10. Lain-lain 10. Others

a. Mengelola penerapan Manajemen Risiko di Divisi. a. Managing the implementation of Risk Management
b. Melaksanakan prinsip kehati-hatian dan kepatuhan at all Divisions.
terhadap peraturan Bank Indonesia dan Peraturan b. Implement the prudence and compliance
Perundang-undangan lainnya, serta Peraturan principles to Bank Indonesia regulations and
Internal Bank yang berlaku. other legislation, as well as applicable Internal
c. Melakukan tindak lanjut temuan hasil pemeriksaan. Regulation of the Bank.
d. Mengelola Buku Pedoman Perusahaan Divisi D $POEVDUGPMMPXVQPGFYBNJOBUJPOmOEJOHT
Kepatuhan d. Managing the Company Manual in the Compliance
e. Melaksanakan tugas-tugas lainnya yang diberikan Division.
oleh Direktur yang membawahkan fungsi e. Perform other tasks given by the Director in charge
Kepatuhan. of the Compliance function.
Kewenangan Divisi Kepatuhan Authority of the Compliance Division

Divisi Kepatuhan memiliki kewenangan untuk: The Compliance Division has the authority to:
a. Menandatangani surat-surat, memorandum dan a. Sign letters, memoranda and documents relating to
dokumen-dokumen yang berkaitan dengan tugas the duties of the Compliance Division, within the limits
Divisi Kepatuhan, sesuai batas kewenangan yang of the authority granted by the Director who heads the
diberikan oleh Direktur yang membawahkan Fungsi Compliance Function.
Kepatuhan. b. Conduct studies and make recommendations to the
b. Melakukan kajian serta memberikan rekomendasi legal aspects of the bank’s internal regulations, among
aspek hukum terhadap peraturan internal bank antara others in the form of Decrees, Circular Letters, and
lain berupa Surat Keputusan, Surat Edaran, dan other applicable suitable form of Code of Manuscript
bentuk surat lainnya sesuai Tata Naskah Dinas yang Department policies and agreements or other legal
berlaku serta perjanjian atau dokumen hukum lainnya documents that have either operational or proposed.
baik yang telah berjalan ataupun yang diajukan. c. Coordinate with Bank Indonesia and other relevant
c. Melakukan koordinasi dengan Bank Indonesia dan institutions in order to manage the task of the
Lembaga terkait lainnya dalam rangka pengelolaan Compliance Division.
tugas Divisi Kepatuhan. d. Establish the division of duties and the enforcement of
d. Menetapkan pembagian tugas serta penegakan EJTDJQMJOFUPUIFPGmDFSFNQMPZFFPGUIFSFTQPOTJCJMJUZ
disiplin kepada pejabat/pegawai yang menjadi it supervises.
tanggung jawab penyeliaannya. F 1SPWJEF1FSGPSNBODF"TTFTTNFOUPGPGmDJBMTBOEUIFJF
e. Memberikan Penilaian Kinerja terhadap Pejabat dan subordinates.
Pegawai bawahannya. f. Coaching visits and socialization to all work units,
f. Melakukan kunjungan pembinaan dan sosialisasi building a Compliance Culture.
kepada seluruh unit kerja, untuk membangun Budaya
Kepatuhan.

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
529
COMPLIANCE
g. Menyampaikan rekomendasi untuk pengembangan g. Convey recommendations for the development of

Pejabat dan Pegawai Divisi Kepatuhan. 0GmDJBMTBOE&NQMPZFFTPGUIF$PNQMJBODF%JWJTJPO
h. Melakukan Persetujuan/Keputusan lainnya sesuai h. Perform the Agreement/ other Decision in accordance
dengan BPP Kewenangan dan/atau Keputusan/ with the BPP Authority and/or Decision/ Policy of the
Kebijakan Direksi. Board of Directors.
Kegiatan Kepatuhan 2014 Compliance Activities in 2014

Kegiatan yang dilakukan Divisi Kepatuhan pada Tahun Activities undertaken by the Compliance Division in 2014
2014 diantaranya namun tidak terbatas pada: include but not limited to, among others:
1. Melaksanakan penyempurnaan compliance sheet 1. Conduct gradual improvements on the Compliance
bagi bidang-bidang operasional dan non operasional Sheet for operational and non-operational areas.
secara bertahap 2. Conduct assessment to all policies and procedures
2. Melakukan pengkajian terhadap seluruh kebijakan related to the products and services of the Bank.
dan prosedur terkait produk dan jasa Bank. 3. Review the applied internal regulations.
3. Melakukan review atas ketentuan-ketentuan internal 4. Conduct monitoring on the reporting obligations of
yang telah diberlakukan. %JWJTJPOTBOE#SBODI0GmDFT
4. Melakukan pemantauan kewajiban pelaporan Divisi 5. Monitor the implementation of Bank Indonesia
dan Kantor Cabang. inspection results and monitor the commitment of
5. Memantau pelaksanaan hasil pemeriksaan Bank %JWJTJPOT BOE #SBODI 0GmDFT PWFS UIF SFTVMUT PG UIF
Indonesia dan pemantauan terhadap komitmen Divisi Internal Audit Division.
dan Kantor Cabang atas hasil pemeriksaan Divisi 6. Inform to the relevant units, all of the Bank’s internal
Audit Internal. and external regulations.
6. Menginformasikan setiap ketentuan internal maupun 7. Socialize the Compliance Function as well as the
eksternal Bank kepada unit terkait Bank’s Internal & External Regulations to the entire
7. Mensosialisasikan Fungsi Kepatuhan, Ketentuan organization of the Company.
Internal & Eksternal Bank kepada segenap organisasi $SFBUFB$PEJmDBUJPO"QQMJDBUJPO4ZTUFNPGUIF*OUFSOBM
Perseroan. Regulations of the Company.
.FNCVBU4JTUFN"QMJLBTJ,PEJmLBTJ,FUFOUVBO*OUFSOBM 9. Improve Compliance of the Human Resources through
Perseroan. education and training programs either assigned by
9. Pengembangan SDM Bagian Kepatuhan melalui the Division of Education and Training or through the
program pendidikan dan pelatihan baik yang initiatives of the Compliance Unit.
ditugaskan oleh Divisi Pendidikan dan Pelatihan 10. Monitor and maintain the Bank’s business activities so
maupun berdasarkan pengajuan/inisiatif dari Satuan as not to violate the applicable regulations.
Kerja Kepatuhan. 11. Provide Compliance Consultants for Compliance
10. Memantau dan menjaga agar kegiatan usaha Bank Assessments (still in process, conducted by the
tidak menyimpang dari ketentuan yang berlaku. goods/ services procurement team of the General
11. Melakukan pengadaan Konsultan Kepatuhan untuk Affairs Division).
Compliance Assessment (Masih dalam tahap proses 12. Conduct the implementation of the Gratuity Control
oleh tim pengadaan barang/jasa Divisi Umum) Programby coordinating with the Corruption
12. Melakukan pelaksanaan pengelolaan Program Eradication Committee (KPK).
1FOHFOEBMJBO(SBUJmLBTJEFOHBONFMBLVLBOLPPSEJOBTJ
dengan KPK.

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
KEPATUHAN
Dalam menjalankan kegiatan usaha, Perseroan telah In conducting the business activities, the Company has
memenuhi ketentuan Bank Indonesia yang terkait dengan complied with Bank Indonesia regulations related to the
aspek kecukupan modal, pemenuhan ketentuan bidang aspects of capital adequacy, regulatory compliance in
perkreditan, pemeliharaan likuiditas, serta penerapan the area of credit, liquidity maintenance, as well as the
Program Anti Pencucian Uang dan Pencegahan implementation of Anti-Money Laundering Program and
Pendanaan Terorisme. Combating Terrorism Financing.
Transaksi Spot dan Transaksi Derivatif Spot Transaction and Derivative Transaction
Sepanjang tahun 2014, Perseroan tidak melakukan transaksi Throughout 2014, the Company did not conduct any spot or
spot maupun transaksi derivatif. derivative transactions.
3URJUDP3HQJHQGDOLDQ*UDWLÀNDVL33* Gratuity Control Program (PPG)

Penerapan GCG diawali dengan penerapan budaya GCG implementation begins with the application of the
perusahaan yang didalamnya terdapat tata nilai atau nilai-nilai corporate culture in which there are values or core values that
utama yang menjadi corporate value Perseroan. become the Company’s corporate value.
Dalam mewujudkan komitmen untuk melaksanakan praktik- In realizing the commitment to implement the principles of
praktik GCG maka corporate value Perseroan dijabarkan GCG, the corporate value of the Company is translated in the
dalam bentuk code of conduct (etika usaha dan tata perilaku) form of code of conduct (business ethics and code of conduct)
untuk menjadi acuan perilaku bagi komisaris, direksi dan to be a reference of conduct for the Board of Commissioners,
seluruh pegawai Perseroan dalam mengelola perusahaan Directors, and all employees of the Company in managing the
guna mencapai visi, misi dan tujuan Perusahaan. company to achieve the vision, mission, and objectives of the
Company.
Salah satu etika perilaku yang terdapat pada code of conduct One of the ethical behaviour contained in the code of conduct
yaitu standar etika untuk menghindari benturan kepentingan JT UIF FUIJDBM TUBOEBSET UP BWPJE DPOnJDUT PG JOUFSFTU BOE
dan penyalahgunaan jabatan serta etika untuk tidak menerima BCVTFPGPGmDFBOEUIFFUIJDTUPOPUBDDFQUHSBUVJUJFTPGBOZ
HSBUJmLBTJEBMBNCFOUVLBQBQVOZBOHCFSIVCVOHBOEFOHBO LJOE SFMBUJOH UP UIF PGmDF BOE BT LOPXO POF PG UIF ($(
jabatan, dan sebagaimana diketahui salah satu cakupan JNQMFNFOUBUJPODPWFSBHF OBNFMZUIFIBOEMJOHPGDPOnJDUTPG
dalam pelaksanaan GCG yaitu penanganan benturan interest.
kepentingan (DPOnJDUPGJOUFSFTU).
Maka dalam rangka implementasi standar etika pada code Therefore, in order to implement ethical standards in the code
of conduct dan penanganan benturan kepentingan sebagai PGDPOEVDUBOEIBOEMJOHPGDPOnJDUTPGJOUFSFTUBTPOFGPSNPG
salah satu wujud penerapan Good Corporate Governance, implementation of Good Corporate Governance, the Company
1FSTFSPBO NFOFSBQLBO 1SPHSBN 1FOHFOEBMJBO (SBUJmLBTJ applies Gratuity Control Program as a cooperative agreement
sebagaimana kesepakatan kerja sama dengan Komisi with the Corruption Eradication Commission.
Pemberantasan Korupsi.
1SPHSBN 1FOHFOEBMJBO (SBUJmLBTJ BEBMBI TFLVNQVMBO Gratuity Control Program is a collection of devices and a range
perangkat dan rangkaian kegiatan dan mekanisme of activities and gratuities control mechanisms on an ongoing
QFOHFOEBMJBO HSBUJmLBTJ TFDBSB CFSLFTJOBNCVOHBO HVOB basis in order to maintain the integrity of the employees from
NFOKBHB JOUFHSJUBT QFHBXBJ EBSJ QSBLUJL HSBUJmLBTJ ZBOH UIFQSBDUJDFPGHSBUJmDBUJPOUIBUJTGPSCJEEFO
dilarang.

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
531
COMPLIANCE
1SPHSBN QFOHFOEBMJBO HSBUJmLBTJ UFSEJSJ EBSJ QFNCVBUBO Gratuities control program consists of making the rules on
QFSBOHLBU BUVSBO UFOUBOH QFOHFOEBMJBO HSBUJmLBTJ controlling the graft, the establishment of the organization
pembentukan organisasi yang mengelola pengendalian UIBU NBOBHFT UIF DPOUSPM PG HSBUJmDBUJPO TPDJBMJ[BUJPO
HSBUJmLBTJ LFHJBUBO TPTJBMJTBTJEJTFNJOBTJ UFOUBOH BUVSBO dissemination of the rules controlling graft and increase
QFOHFOEBMJBO HSBUJmLBTJ EBO QFOJOHLBUBO LFTBEBSBO BXBSFOFTT BCPVU UIF HSBUJmDBUJPO PG JOEJWJEVBMT BOE
JOEJWJEVEBOPSHBOJTBTJUFOUBOHHSBUJmLBTJTFSUBJNQMFNFOUBTJ organizations as well as the implementation of gratuities
QFOHFMPMBBO QFMBQPSBO QFOFSJNBBO HSBUJmLBTJ ZBOH receipt reporting management which is in coordination with
berkoordinasi dengan pihak KPK. the KPK.
-XPODK3HODSRUDQ*UDWLÀNDVL Total Ggratuities Reporting

%BMBN JNQMFNFOUBTJ QFOHFMPMBBO QFMBQPSBO HSBUJmLBTJ In the implementation of gratuities reporting management
selama tahun 2014 telah diterima sebanyak 219 laporan during 2014, as many as 219 report of accepting gratuities
QFOFSJNBBO HSBUJmLBTJ TFOJMBJ 3Q KVUB ZBOH NBOB valued at equivalent 107.76 million have been received,
sebanyak 38 laporan senilai Rp 23,4 menjadi penanganan of which a total of 38 reports worth equivalent Rp 23.4 (??)
,1,EBMBNQFOFUBQBOTUBUVTHSBUJmLBTJZBOHEJUFSJNB was handled by KPK in determining the status of the gratuity
received.
Penerapan PPG di sektor perbankan selama tahun 2014 The implementation of PPG in the banking sector throughout
KPK telah memberikan penghargaan kepada Perseroan, 2014, the KPK had given an award to the Company, among
diantaranya kategori BUMD dengan Unit Pengendalian them in the category of Regional Owned Enterprise with
(SBUJmLBTJ 61(
UFSCBJL UBIVO TFSUB #6.% EFOHBO the best Gratuity Control Unit (UPG) of 2014 as well as the
KVNMBIMBQPSBOHSBUJmLBTJUFSCBOZBLEBO UFQBUXBLUV Regional Owned Enterprise with the highest gratuity reporting
tahun 2014. and 96.14% in a timely manner in 2014.
Berdasarkan hasil monitoring dan evaluasi dengan KPK Based on the result of the monitoring and evaluation with
diketahui bahwa dalam menerapkan Program Pengendalian KPK, it is discovered that in applying the Gratuity Control
(SBUJmLBTJ EJ -JOHLVOHBO CBOL #6./% QJIBL ,1, Program SOE/ ROE banks, KPK will coordinate with Bank
akan melakukan koordinasi dengan Bank Indonesia dan Indonesia and make the Company as an example of PPG
menjadikan Perseroan sebagai contoh penerapan PPG implementation in the banking sector, also during 2014, the
di sektor perbankan, serta selama tahun 2014 KPK telah KPK had given awards to the Company, among them the
memberikan penghargaan kepada Perseroan, diantaranya award for Regional Owned Enterprise with the best Gratuity
QFOHIBSHBBO #6.% EFOHBO 6OJU 1FOHFOEBMJBO (SBUJmLBTJ Control Unit (UPG) in 2014.
(UPG) terbaik tahun 2014.
Penyediaan Dana kepada Pihak Terkait dan Penyediaan Provision of Funds To Related Parties and Provision of
Dana Besar Funds Large
Penyediaan Dana Kepada Pihak Terkait di sektor komersial, Provision of Funds To Related Parties in the commercial sector,
posisi pada akhir tahun 2014 adalah sebagai berikut: the position at the end of 2014 is as follows:
Jumlah/Total
No. Penyediaan Dana Nominal (Jutaan/ Provision of Fund
Debitur | Debtor
Million Rupiah)
1. Kepada pihak terkait 16 41.358.725.529 To related parties
Kepada debitur Inti: Core to the debtor
25 4.332.922.063.021
2. a. Individu a. Personal
- -
b. Grup b. Group

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
KEPATUHAN
Ketentuan mengenai penyediaan dana kepada pihak terkait The provisions concerning the provision of funds to related
telah diatur dalam SOP segmen korporasi dan SOP segmen parties have been set up in the corporate segment SOP and
komersial yaitu: the commercial segments SOP, namely:
a) SK Direksi nomor: 909/SK/DIR-KOM/2014 tanggal 27 a) Decree of the Board of Directors No. 909/SK/DIR-
November 2014 tentang SOP Kredit Segmen Korporasi; KOM/2014 dated 27 November 2014 on Corporate
b) SK Direksi nomor: 910/SK/DIR-KOM/2014 tanggal 27 Segment Loan SOP;
November 2014 tentang SOP Kredit Segmen Komersial; b) Decree of the Board of Directors No. 910/SK/DIR-
KOM/2014 dated 27 November 2014 on Commercial
Segment Loan SOP;
Penyediaan Dana Kepada Pihak Terkait di sektor konsumer, posisi Provision of Funds To Related Parties in the consumer sector,
pada akhir tahun 2014 adalah sebagai berikut: position at the end of 2014 is as follows:
Jumlah/Total
Debitur | Debtor
Million Rupiah)
1. Kepada pihak terkait 4 1.496.318.862 To related parties
- -
- -
b. Grup b. Group
Ketentuan mengenai penyediaan dana kepada pihak terkait, The provision concerning the provision of funds to related
Divisi Kredit Konsumer mengacu kepada Peraturan Bank parties, the Consumer Credit Division refers to Bank Indonesia
Indonesia Nomor 7/3/PBI/2005 dan Nomor 8/13/PBI/2006 Regulation No. 7/3/PBI/2005 and No. 8/13/PBI/2006 on
tentang Batas Maksimum Pemberian Kredit Bank Umum. Lending Limit for Commercial Banks.
Penyediaan Dana Kepada Pihak Terkait di sektor mikro, posisi The Provision of Funds To Related Parties in the micro sector,
pada akhir tahun 2014 adalah sebagai berikut: position at the end of 2014 is as follows:
Jumlah/Total
Debitur | Debtor
Million Rupiah)
1. Kepada pihak terkait 12 39.928 To related parties
- -
- -
b. Grup b. Group
Ketentuan Perseroan yang mengatur penyediaan dana The Company’s provision which governs the provision of
kepada pihak terkait tercantum dalam SK Direksi No. 211/SK/ funds to related parties is contained in the Decree of the
DIR-MK/2014 dalam point 2.8.1 mengenai ketentuan pihak Board of Directors No. 211/SK/DIR-MK/2014 in point 2.8.1 on
terkait, yang menjelaskan : the provisions of related parties, which explains:
- Dalam hal terdapat kepemilikan saham bank bjb pada - In the event the ownership of bank bjb at BPR amounted
BPR sebesar 10% atau lebih atau bank bjb memiliki opsi to 10% or more or bjb bank has the option to have BPR
untuk memiliki saham BPR menjadi sebesar 10% atau shares amounted to 10% or more, the referred BPR is
lebih maka BPR dimaksud dikategorikan sebagai pihak DMBTTJmFEBTBSFMBUFEQBSUZ
terkait; - Each placement of funds or provision of loan facilities to
- Setiap penempatan dana dan atau pemberian fasilitas related parties are required to obtain the approval of the
kredit kepada pihak terkait diharuskan memperoleh Board of Commissioners of bank bjb;
persetujuan Dewan komisaris bank bjb;

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
533
COMPLIANCE
- Ketentuan ini dapat ditetapkan lain dalam hal terdapat - This provision could be set differently in the event of a latest
peraturan Bank Indonesia dan atau Peraturan Pemerintah Bank Indonesia regulation and or Government Regulation
terbaru yang mengatur revisi penempatan dana pada that governs the revision in placement of funds of related
pihak terkait. parties.
Review dan evaluasi atas penyediaan dana kepada pihak terkait Review and evaluation of the provision of funds to related party
sektor mikro: micro sector:
Jumlah/Total
No. Penyediaan Dana Nominal (Jutaan/ NPL Provision of Fund
Debitur | Debtor
Million Rupiah)
1. Kepada pihak terkait 12 39.928 0% To related parties
Berdasarkan hasil review dan evaluasi atas penyediaan dana to related parties showed that the distribution of the related
kepada pihak terkait menunjukan bahwa penyaluran kepada parties have not experienced any problems that can be seen
pihak terkait selama ini tidak mengalami permasalahan from the condition of non-performing loans are still awake at
apapun hal tersebut dapat dilihat dari kondisi Non Performing zero percent.
Loan yang masih terjaga di angka nol persen.
Penyediaan Dana Besar Provision of Funds Large
Penyediaan dana besar (large exposure), posisi pada akhir Large exposures (large exposure), the position at the end of
tahun 2014 adalah sebagai berikut: 2014 are as follows:
No Debitur | Debtor Outstanding
1 PT Andalan Finance Indonesia 133.806.111.055
2 PT Armada Finance 45.684.712.520
3 PT BFI Finance Indonesia Tbk 186.111.111.104
4 PT Cipta Inti Parmindo 68.369.606.344
5 PT Clipan Finance Indonesia, 225.048.762.711
6 PT Comradindo Lintasnusa Perkasa 61.863.017.221
7 PT Dimas Utama 141.811.656.194
8 PT Jakarta Propertindo 65.000.000.000
9 PT Lintas Marga Sedaya (Persero) 564.441.820.922
10 PT Mandiri Tunas Finance 294.736.944.011
11 PT Marga Sarana Jabar 54.337.640.151
12 PT Margabumi Adhikaraya 76.198.626.463
13 PT MNC Land Tbk 43.325.473.556
14 PT Nindya Karya (Persero) 286.000.000.000
15 Pemerintah Republik Indonesia 779.811.322.307
16 PT Permodalan Nasional Madani 54.583.333.327
17 PT Pracico Multi Finance 41.447.600.122
18 PT Priamanaya Energi 244.748.452.237
19 PT Pro Car International Finance 44.728.905.156
20 PT Pupuk Sriwidjaja Palembang 246.693.921.504
21 PT Rahajasa Media Internet 149.154.827.777
22 PT Semesta Marga Raya 94.610.691.554
23 PT Serasi Autoraya 196.595.744.640
24 PT Tranka Kabel 58.811.782.145
25 PT Waskita Karya (Persero) 175.000.000.000
Total 4.332.922.063.021

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
KEPATUHAN
Penyediaan Dana kepada Debitur Usaha Mikro, Kecil Provision of Funds to Debtor Micro, Small and Medium
dan Menengah Enterprises
Selama tahun 2014, Perseroan telah menyalurkan dana %VSJOH UIF$PNQBOZIBTQSPWJEFEmOBODJOHJOUIFGPSN
dalam bentuk kredit untuk sektor mikro, kecil dan menengah of loans to the micro, small and medium sectors, with the
dengan rincian sebagai berikut: followng details:
Jumlah/Total
No. Sektor Nominal (Jutaan/ Sector
Debitur | Debtor
Million Rupiah)
1. UMKM 80.002 4.493 MSME
Kredit yang Memerlukan Perhatian Khusus Loan that Require Special Attention
Seiring dengan pencapaian kinerja Perseroan, berikut jumlah Along with achievement of the Company’s performance, the
kredit yang memerlukan perhatian khusus selama 2014: GPMMPXJOH JT UIF BNPVOU PG mOBODJOH XIJDI SFRVJSFT TQFDJBM
mention during 2014:
Jenis Kredit (Rp Juta) 2013 2014 YOY (Rp million) Type of Credit
Mikro 900 642 -28,70% Micro
Konsumer 64 53 -16,50% Consumer
Komersial 378 87 -77% Commercial
KPR 347 552 58,90% Mortgage
:
Total 1.689 1.334 Total
Jumlah Cadangan Penyisihan Kerugian Total Reserves Provision for Losses

Seiring dengan pencapaian kinerja Perseroan, berikut jumlah Along with achievement of the Company’s performance, the
cadangan penyisihan kerugian selama 2014: GPMMPXJOH JT UIF BNPVOU PG mOBODJOH XIJDI SFRVJSFT TQFDJBM
mention during 2014:
(Rp Juta) 2013 2014 (Rp million)
Jumlah CKPN 1.019.520 1.611.212 Total CKPN
Indikator Kepatuhan Rasio Keuangan Bank Compliance Indicators Financial Ratios Bank
Dalam menjalankan usaha, Perseroan telah memenuhi In conducting the business, the Company has complied
ketentuan Bank Indonesia yang terkait dengan aspek with Bank Indonesia related to aspects of capital adequacy,
kecukupan modal, pemenuhan ketentuan bidang perkreditan, compliance with the provisions in credit, liquidity maintenance,
pemeliharaan likuiditas, serta penerapan program anti as well as the implementation of anti-money laundering and
pencucian uang dan pencegahan pendanaan terorisme. DPVOUFSUFSSPSJTNmOBODJOH
Pemenuhan Bank
Aspek Kepatuhan Acuan (Ketentuan) Compliance Aspect
(Per Desember 2014)
Rasio Kewajiban Penyediaan Modal Minimum 16,51% ö Capital Adequacy Ratio (KPMM)
(KPMM)
Pelampauan/Pelanggaran Batas Maksimum Tidak Ada/None Tidak Exceedance/ Violations of Lending Limit
Pemberian Kredit (BMPK) Diperkenankan (BMPK)
Rasio Non Performing Loan (NPL) 4,17% õ Non Performing Loan Ratio (NPL)
Rasio Giro Wajib Minimum (GWM) Primer 8,17% ö Primary Minimum Statutory Reserve (GWM)
Ratio
Rasio GWM Sekunder 6,94% ö Secondary GWM Ratio
Rasio GWM dalam Valuta Asing 8,41% ö GWM Ratio in Foreign Exchange
Rasio Posisi Devisa Neto (PDN) 1,93% õ Net Open Position (PDN) Ratio

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
535
COMPLIANCE
Rasio Gaji Tertinggi dan Terendah Highest and Lowest Salary Ratio
Rasio gaji tertinggi dan terendah, dalam skala perbandingan The ratio of the highest and lowest salaries, the following
sebagai berikut: comparative scale:
Rasio/Ratio
Keterangan Tertinggi Terendah Description
No. Tertinggi Terendah
(Rp Juta) Highest Lower (Rp million)
Highest Lowest
1. Rasio Gaji Pegawai yang Employee Salary Ratio
50.000 2.800 17,86 1,00
Tertinggi dan Terendah Highest and Lowest
2. Rasio Gaji Direksi yang Salary ratio of Highest and
130.000 104.000 1,25 1,00
Tertinggi dan Terendah Lowest Directors
3. Rasio Gaji Komisaris yang Salary Ratio of Highest and
65.000 52.000 1,23 1,00
Tertinggi dan Terendah Lowest Commissioners
4. Rasio Gaji Direksi Tertinggi Ratio Highest Directors and
130.000 50.000 2,60 1,00
dan Pegawai Tertinggi Employees
Penerapan Program Anti Pencucian Uang dan The implementation of Anti-Money Laundering
Pencegahan Pendanaan Terorisme (Program and Prevention of Terrorism Financing Program
APU-PPT) (Program APU-PPT)
Pelaksanaan program Anti Pencucian Uang dan Pencegahan Implementation of the Anti-Money Laundering and Counter
Pendanaan Terorisme atau disebut juga dengan APU-PPT Terrorism Financing (AML-CFT) is a program that is carried
(dalam bahasa Inggris: Anti Money Laundering and Counter out continuously in order to meet the obligations under the
Terorism Financing/AML-CFT) merupakan program yang following provisions:
dilaksanakan secara berkesinambungan dalam rangka
pemenuhan kewajiban berdasarkan ketentuan-ketentuan
sebagai berikut:
Undang-Undang Nomor 8 Tahun 2010 Tentang Pencegahan Law No. 8 of 2010 on the Prevention and Combating Money
dan Pemberantasan Tindak Pidana Pencucian Uang, Laundering, Decree of the Head of PPATK (Indonesian Financial
Keputusan Kepala PPATK (Pusat Pelaporan dan Analisis Transaction Reports And Analysis Centre/ INTRAC) No. 2/1/
Transaksi Keuangan/dalam Bahasa inggris: Indonesian KEP.PPATK/2003 on General Guidelines for the Prevention
Financial Transaction Reports And Analysis Centre) Nomor: and Eradication of Money Laundering for Financial Services
2/1/KEP.PPATK/2003 tentang Pedoman Umum Pencegahan Provider, Bank Indonesia Regulation No. 14/27/PBI/2012
dan Pemberantasan Tindak Pidana Pencucian Uang Bagi dated 28 December 2012 on the application of the Anti-
penyedia Jasa Keuangan, Peraturan Bank Indonesia Money Laundering and Counter Terrorism Financing Program
Nomor 14/27/PBI/2012 tanggal 28 desember 2012 Tentang for Commercial Banks, and Bank Indonesia Circular Letter
penerapan program Anti Pencucian Uang dan Pencegahan No. 15/21/DPNP/ 2013 dated 14 June 2013 Concerning the
Pendanaan Terorisme bagi Bank Umum dan Surat Edaran Application of Anti-Money Laundering and Counter Terrorism
Bank Indonesia Nomor 15/21/DPNP/2013 Tanggal 14 Juni Financing for Commercial Banks. During 2014, as a measure
2013 Perihal Penerapan Program Anti Pencucian Uang dan of seriousness in implementing the AML-CFT program, the
Pencegahan Pendanaan Terorisme bagi Bank Umum. Selama Company has implemented the following activities:
Tahun 2014, sebagai langkah keseriusan dalam menerapkan
program APU-PPT, Perseroan telah melaksanakan kegiatan
sebagai berikut:
1. Melakukan pemantauan terhadap transaksi-transaksi .POJUPS mOBODJBM USBOTBDUJPOT GPS NPSF JOEFQUI
Keuangan untuk dilakukan analisa lebih mendalam analysis towards the occurrence of potential suspicious
terhadap potensi terjadinya transaksi keuangan transactions.
mencurigakan.

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
KEPATUHAN
2. Melakukan pemantauan terhadap transaksi-transaksi .POJUPSUIFmOBODJBMUSBOTBDUJPOTJODBTIJOBDFSUBJOMJNJU

keuangan tunai dengan batas tertentu untuk dilakukan and conduct reporting to the INTRAC.
pelaporan kepada PPATK. .POJUPSJOH UIF mOBODJBM USBOTBDUJPOT UISPVHI GVOE
3. Melakukan pemantauan terhadap transaksi-transaksi transfers to and from overseas and conduct reporting to
keuangan transfer dana dari dan ke luar negeri untuk the INTRAC.
dilakukan pelaporan kepada PPATK. 4. Coordinate the delivery of reports with other work units on
4. Melakukan koordinasi penyampaian laporan dengan the submission of Suspicious Transaction Reports (STR)
unit kerja lain terhadap penyampaian Laporan Transaksi and Cash Transaction Reports (CTR) and fund transfer to
Keuangan Mencurigakan (LTKM) serta Laporan Transaksi and from overseas report which must be reported to the
Keuangan Tunai (LTKT) dan laporan laporan transaksi INTRAC.
keuangan transfer dana dari dan keluar negeri yang wajib 5. Conduct maintenance and monitoring of the customer
dilaporkan kepada PPATK. QSPmMF XJUI JOEJWJEVBM BOE JOTUJUVUJPO MJTUT UIBU NVTU CF
.FMBLVLBOQFNFMJIBSBBOEBOQFNBOUBVBOUFSIBEBQQSPmM monitored, that are issued by competent authorities both
nasabah dengan daftar-daftar orang maupun lembaga nationally and internationally.
yang wajib dipantau yang dikeluarkan oleh otoritas yang 6. Monitor the customer who becomes suspect or has been
berwenang baik nasional maupun internasional. accused of a crime by the authorities based on mass
6. Melakukan pemantauan terhadap nasabah yang dijadikan NFEJBPSCBTFEPOPUIFSJOGPSNBUJPOGSPNPGmDJBMTPVSDFT
Tersangka atau Terdakwa suatu tindak pidana oleh 7. Monitor the implementation of the Customer Data updating
pihak yang berwenang baik dari media massa maupun activities by all units and branches.
berdasarkan informasi lainnya dari sumber yang resmi. 'VMmMMNFOUPGUIFJNQMFNFOUBUJPOPGPQFOJOHUIF$PNQBOZT
7. Melakukan kegiatan pemantauan terhadap pelaksanaan business relationships with correspondent banks from the
pengkinian data nasabah oleh seluruh unit kerja dan AML-CFT aspect.
cabang. 9. Conduct assessments through the inputs or opinions on
8. Melakukan pemenuhan pelaksanaan pembukaan the new activities and banking products that are closely
hubungan usaha Perseroan dengan bank koresponden related to the application of AML-CFT before the activity
dari aspek APU-PPT. and the product is implemented.
9. Melakukan pengkajian melalui masukan atau pendapat 10. Conduct socialization activities through AML-CFT training
terhadap aktivitas-aktivitas maupun produk-produk and education to employees of the Company in order to
baru perbankan yang berkaitan erat dengan kewajiban increase the understanding on the implementation of the
penerapan program APU-PPT sebelum aktivitas dan AMLCFT program in related work units, and increase
produk tersebut dijalankan. understanding of the risks of money laundering and
10. Melaksanakan kegiatan sosialisasi melalui pendidikan UFSSPSJTNmOBODJOH
dan pelatihan APU-PPT terhadap karyawan Perseroan 11. Conduct coordination in the framework of the procurement
dalam rangka meningkatkan pemahaman atas penerapan and development of the AML-CFT application of the
program APUPPT di unit kerja terkait, dan meningkatkan Company to adjust to the increasing development and
pemahaman atas risiko pencucian uang dan pendanaan increasing activity in terms of increasing the number of
terorisme. clients and number of the Company’s transactions.
11. Melakukan koordinasi dalam rangka pengadaan dan 12. Coordinate and monitor the implementation of the AML-
pengembangan aplikasi APU-PPT Perseroan dalam CFT program policies with related work units associated
rangka penyesuaian dengan semakin berkembang dan with the Customer.
bertambahnya aktivitas dari segi penambahan jumlah
nasabah dan jumlah transaksi Perseroan.
12. Melakukan koordinasi dan pemantauan terhadap
pelaksanaan kebijakan program APU-PPT dengan unit
kerja terkait yang berhubungan dengan Nasabah.

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
537
COMPLIANCE
Adapun pelaksanaan program APU dan PPT selama tahun The implementation of the program during 2014 APU and PPT
2014 dalam angka adalah sebagai berikut: JOmHVSFTJTBTGPMMPXT:
Aktivitas Jumlah I Total Activities
Laporan Transaksi Keuangan Mencurigakan (LTKM) 97 Laporan/Report Suspicious Transaction Report (LTKM)
Laporan Transaksi Keuangan Tunai (LTKT) 14.635 Laporan/Report Cash Transaction Report (LTKT)
Laporan Transaksi Keuangan Transfer Dana dari dan Transfer To and From Overseas Transaction Report
39.408 Laporan/Report
Keluar Negeri (LTKL) (LTKL)
Korespondensi dengan pihak yang berwenang terkait 108 Korespondensi/
Correspondence with the authorities related to AML-CFT
dengan APU-PPT Correspondency
Pengkajian terkait APU-PPT 29 Kajian/Study Reviews related to AML-CFT
108 Bank Koresponden/
Pengisian Kuisioner dengan bank korespondensi Completion of Questionnaire with corresponding banks
Correspondency Bank
Pemantauan terhadap Database Daftar Watchlist dari Monitoring of the Database List Watchlist from the
39.408 CIF/CIF
pihak yang berwenang serta dari media massa authorities as well as from the mass media
Pemantauan Pengkinian Data CIF 72.331 CIF/CIF Monitoring of CIF Data Updates
Pemantauan Jumlah Pegawai yang telah mengikuti Monitoring of Number of Employees who have
2.168 Pegawai/Employee
Pelatihan Materi APU-PPT participated in the AML-CFT Training Materials
Penyediaan Dana untuk Kegiatan Politik Provision of Funds for Political Activity
Selama Tahun 2014, Perseroan tidak menyediakan dana During 2014, the Company did not provide funds for political
untuk kegiatan politik. activities.
Transaksi yang Mengandung Benturan 7UDQVDFWLRQ&RQWDLQLQJ&RQÁLFWVRI,QWHUHVW

Kepentingan
Ketentuan mengenai benturan kepentingan telah di atur 5IF QSPWJTJPOT DPODFSOJOH DPOnJDUT PG JOUFSFTU IBT CFFO
dalam: set in:
• Surat Keputusan Dewan Komisaris Nomor 06/DK/2007, • Decree of the Board of Commissioners No. 06/DK/2007,
(syarat independensi angka 11): (requirement of independence number 11):
Pengungkapan benturan kepentingan dicantumkan %JTDMPTVSFPGDPOnJDUTPGJOUFSFTUJTJODMVEFEJOUIFNJOVUFT

dalam setiap risalah rapat Dewan Komisaris, paling of each meeting of the Board of Commissioners, shall at
kurang mencakup nama anggota Dewan Komisaris yang least include the name of the member of the Board of
memiliki benturan kepentingan, masalah pokok benturan $PNNJTTJPOFST XIP IBWF B DPOnJDU PG JOUFSFTU UIF NBJO
kepentingan dan dasar pertimbangan pengambilan JTTVFPGDPOnJDUPGJOUFSFTUBOEQSJODJQBMDPOTJEFSBUJPOTJO
keputusan. the decision-making.
• Surat Keputusan Direksi Nomor 931/SK/DIR/2007, (Bab 3 • Decree of the Board of Directors No. 931/SK/DIR/2007,
perihal standar etika, prinsip umum etika Bank). (Chapter 3 regarding code of conduct, the general
principles of Bank ethics).
Berikut adalah rincian transaksi yang mengandung Here are the details of the transaction that contains
benturan kepentingan baik kepada manajemen B DPOnJDU PG JOUFSFTU CPUI UP DPSQPSBUF NBOBHFNFOU
perusahaan, pemegang saham maupun anak perusahaan/ TIBSFIPMEFSTBOETVCTJEJBSJFTBTTPDJBUFTBGmMJBUFTEVSJOH
BTPTJBTJBmMJBTJTFMBNBUBIVO 2014:

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
KEPATUHAN
Hubungan Jenis
Nama Grup/ Jumlah penyediaan Dana/
Nama/ Individu/ Bank/ keterkaitan dengan Bank/ Dana/ Jangka Waktu/
No Group The amount of the
Name Individual Relation- Relationship Status Type Time Frame
Name provision of funds
ship with linkages with the Bank Provision of
the Bank Funds
Jatuh
Awal/ Valas/
Tempo/ Rupiah
Start Forex
Due Date
1 Ahmad Irfan 1 Individu 1 Manajemen/Management 30 - - -
2 ;BFOBM"SJmO*3 .TJ 1 Individu 1 Manajemen/Management 30 22/06/2010 22/06/2022 230.000.000
3 Nia Kania 1 Individu 1 Manajemen/Management 30 26/09/11 26/09/20 500.000.000
4 Benny Santoso 1 Individu 1 Manajemen/Management 30 - - -
5 Fermiyanti 1 Individu 1 Manajemen/Management 30 07/11/14 07/11/18 500.000.000
6 Suartini 1 Individu 1 Manajemen/Management 30 17/09/14 17/09/23 500.000.000
7 Agus Gunawan 1 Individu 1 Manajemen/Management 30 - - -
Total
7 1 64.480.000.000
Terkait
1 PD BPR LPK Saketi 2 Grup 1 "mMJBTJ"GmMJBUFE 30 15/04/14 15/04/17 2.000.000.000

2 PD BPR LPK Serang 2 Grup 1 "mMJBTJ"GmMJBUFE 30 30/06/2011 28/06/14 0
PD BPR LPK
5 2 Grup 1 "mMJBTJ"GmMJBUFE 30 15/06/2010 15/06/2015 0
Warungkondang
PD BPR LPK
6 2 Grup 1 "mMJBTJ"GmMJBUFE 30 02/12/09 02/12/14 700.000.000
Warungkondang
PD BPR LPK
7 2 Grup 1 "mMJBTJ"GmMJBUFE 30 15/06/10 15/06/15 1.500.000.000
Warungkondang
PD BPR LPK
Warungkondang
PD BPR LPK
Warungkondang
10 BPR LPK Cipatujah 2 Grup 1 "mMJBTJ"GmMJBUFE 30 04/07/12 04/07/17 2.350.000.000
13 PD BPR Cimerak 2 Grup 1 "mMJBTJ"GmMJBUFE 30 11/12/2007 23/02/15 500.000.000
14 PD BPR LPK Arahan Kidul 2 Grup 1 "mMJBTJ"GmMJBUFE 30 19/09/12 19/09/14 1.700.000.000
15 PD BPR LPK K r o y a 2 Grup 1 "mMJBTJ"GmMJBUFE 30 11/11/13 11/02/15 1.500.000.000
16 PD BPR LPK Sukra 2 Grup 1 "mMJBTJ"GmMJBUFE 30 20/12/13 20/03/15 850.000.000
17 PD BPR LPK Balongan 2 Grup 1 "mMJBTJ"GmMJBUFE 30 17/06/13 17/03/15 4.000.000.000
18 PD BPR LPK Cantigi 2 Grup 1 "mMJBTJ"GmMJBUFE 30 23/08/13 23/02/15 1.500.000.000
19 BPR LPK Bongas PD 2 Grup 1 "mMJBTJ"GmMJBUFE 30 17/03/13 17/03/15 5.000.000.000
PD BPR /LPK Jalan Cagak/
Cisalak
Cisalak
Cisalak
Cisalak
BPR LPK Garut Kota
Kantor Pusat
25 BPR Cibitung TJ Raya 2 Grup 1 "mMJBTJ"GmMJBUFE 30 10/12/2012 10/12/2017 3.000.000.000
25 Total Grup 1 62.750.000.000

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
539
COMPLIANCE
Seluruh transaksi penyediaan dana di atas telah dilakukan All of the transactions to provide funds above have been
secara wajar sesuai dengan pedoman perkreditan conducted fairly in accordance with the Company’s credit
perusahaan. Seluruh penyediaan dana ditarik secara penuh/ guidelines. The entire provision of funds is withdrawn in full/
langsung dan tidak menjadi standby loan. direct and does not become a standby loan.
Setiap transaksi yang dilakukan akan di-review untuk Each transaction performed will be reviewed to ensure that
memastikan bahwa penyediaan dana tersebut telah memenuhi the provision of funds has met the applicable regulations
peraturan yang berlaku dan telah sesuai dengan pedoman and guidelines in accordance with the Company’s credit
perkreditan perusahaan. guidelines.
Transparansi Kondisi Keuangan dan Non Transparency of Financial and Non-Financial

Keuangan
Dalam laporan tahunan Perseroan telah memberikan informasi In the annual report of the Company has been providing
kondisi keuangan dan non keuangan secara transparan mOBODJBM JOGPSNBUJPO BOE OPOmOBODJBM DPOEJUJPOT JO B
sesuai dengan ketentuan yang berlaku. transparent manner in accordance with applicable regulations.
Opsi Saham Share Options

Selama tahun 2014, perseoran tidak mengeluarkan kebijakan During 2014, liability company shall not issue a policy related
terkait opsi saham to stock options.
Buy Back Shares dan/atau Buy Back Obligasi Buy Back Shares and/or Buy Back Bonds Bank
Bank
Pada tahun 2014, Bank tidak melakukan transaksi buy back In 2014, the bank did not buy back transactions on shares, as
atas saham, karena Perseroan belum melaksanakan penjualan the Company has not yet executed the sale of shares to the
saham ke publik, begitu pula Perseroan tidak melakukan public, as well as the Company does not conduct buy back
kegiatan buy back atas obligasi yang telah diterbitkan. the bonds that have been issued.

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
AUDIT INTERNAL
INTERNAL AUDIT
Divisi Audit Internal (DAI) merupakan bagian dari struktur Internal Audit Division (DAI) is part of internal control structure
pengendalian internal dan merupakan segala bentuk kegiatan and also part of all activity linked with audit and reporting of the
yang berhubungan dengan audit dan pelaporan hasil audit result of the audit about the realization of the control structure
mengenai terselenggaranya struktur pengendalian secara in an good coordination at every Bank management acts.
terkoordinasi dalam setiap tindakan manajemen Bank.
Ketua dan Struktur Internal Audit Head and Structure of Internal Audit
Divisi Audit Internal (DAI) merupakan bagian dari struktur Internal Audit Division (DAI) is part of the internal control
pengendalian internal serta memiliki tugas untuk mengevaluasi structure and has a duty to evaluate and take an active role
dan berperan aktif dalam peningkatan efektivitas Sistem in improving the effectiveness of the Internal Control System
Pengendalian Intern secara berkesinambungan berkaitan on an ongoing basis with regard to the implementation of
dengan pelaksanaan operasional Bank yang berpotensi the Bank’s operational potential losses in the achievement of
menimbulkan kerugian dalam pencapaian sasaran yang telah targets set by the bank management.
ditetapkan oleh manajemen bank.
Berdasarkan Struktur Organisasi yang berlaku dan telah Based on Organizational Structure applicable and has been
disahkan oleh Direksi melalui surat Keputusan Direksi nomor approved by the Board of Directors through the Board of
667/SK/DIR-PS/2013 tanggal 29 Oktober 2013 perihal Struktur Directors Decree number 667/SK/DIR-PS/2013 dated October
Organisasi PT Bank Pembangunan Daerah Jawa Barat dan 29, 2013 regarding the Organizational Structure of Regional
Banten, Tbk. Divisi Audit Internal berada dalam garis komando Development Bank of West Java and Banten, Tbk. Internal
Direktur Utama dan garis koordinasi Komite Audit. Audit Division is in command line Managing Director and Audit
Committee coordination line.
Pemimpin Divisi Audit Internal Internal Audit Division Leader

Pemimpin Divisi Audit Internal periode Januari 2014 sd. Internal Audit Division Leader period January 2014 till. now led
sekarang di pimpin oleh Bapak Hendi Rochendi. Beliau telah by Mr. Hendi Rochendi. He has had experience for less than
memiliki pengalaman selama lebih kurang 30 (tiga puluh) UIJSUZ
ZFBST JO UIF mFME PG CBOLJOH PQFSBUJPOT CVTJOFTT
tahun di bidang perbankan baik bidang operasional, bisnis and auditing.
maupun auditing.
Riwayat hidup Pemimpin Divisi Audit Internal Perseroan Curriculum vitae of the Company’s Internal Audit Division
adalah sebagai berikut: Leader is as follows:
Hendy Rochendi
Audit Internal
Internal Audit
Nama : Hendi Rochendi Name : Hendi Rochendi

Jabatan : Pemimpin Divisi Audit Internal Position : Head Division of Internal Audit
Karir di bank bjb : Bekerja di bank bjb sejak 1980 Career in the Company : Work at bank bjb since 1980

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
541
Pendidikan : S1 Universitas Nusantara 2002 Education : S1 University of Nusantara 2002

Dasar Hukum Legal Based on : SK Direksi bank bjb No. 007/SK/DIR
Penunjukkan : SK Direksi bank bjb No. 007/SK/DIR- SDM/2014 Date January 3, 2014
SDM/2014 Tanggal 3 Januari 2014 5SBJOJOH4FSUJmDBUJPO 3JTL.BOBHFNFOU
Pelatihan /Sertifkasi : Manajemen Risiko
Struktur dan Kedudukan Audit Internal Structure and Internal Audit Position
Sesuai dengan Struktur Organisasi Perseroan Nomor 667/ In accordance with the Company’s Organizational Structure
SK/DIR-PS/2013 Tentang Struktur Organisasi PT Bank No. 667 / SK / DIR-PS / 2013 About the organization structure.
Pembangunan Daerah Jawa Barat dan Banten, Divisi Audit PT Bank Pembangunan Daerah Jawa Barat dan Banten, the
Internal berada dibawah komando Direktur Utama. Divisi Audit Internal Audit Division under the command of Director. Internal
Internal dalam melaksanakan tugas dan tanggung jawabnya Audit Division in carrying out its duties and responsibilities
dibantu oleh 5 (lima) unit/Grup Kerja, yaitu Grup Audit Kantor BTTJTUFECZmWF
VOJUT8PSLJOH(SPVQ XIJDIJTUIF(SPVQ
Pusat, Audit SDQA, Audit Teknologi Informasi, Audit Anti )FBE0GmDF"VEJU "VEJU4%2" *OGPSNBUJPO5FDIOPMPHZ"VEJU
Fraud dan Audit Kantor Wilayah. Adapun struktur organisasi "OUJ'SBVEBOE"VEJU"VEJU3FHJPOBM0GmDF5IFPSHBOJ[BUJPOBM
Divisi Audit Internal saat ini yaitu: structure of the Internal Audit Division today is:
Struktur Organisasi Divisi Audit Internal

Internal Audit Division Organization Structure
DEWAN KOMISARIS
DIREKTUR UTAMA
President Director
KOMITE AUDIT
Audit Committee
PEMIMPIN DIVISI
Head Division
GRUP AUDIT GRUP AUDIT GRUP AUDIT

GRUP AUDIT KANTOR PUSAT GRUP ANTI FRAUD
KANTOR WILAYAH I-IV TEKNOLOGI INFORMASI SD & QA
HEAD OFFICE AUDIT GROUP ANTI FRAUD GROUP
REGION OFFICE I-IV AUDIT GROUP INFORMATION TECHNOLOGY AUDIT ISD & QA AUDIT GROUP
GROUP
PEMIMPIN GRUP PEMIMPIN GRUP
PEMIMPIN GRUP PEMIMPIN GRUP
GROUP HEAD GROUP HEAD
GROUP HEAD PEMIMPIN GRUP GROUP HEAD
GROUP HEAD
.XDOLÀNDVLGDQ6HUWLÀNDVL3URIHVL 4XDOLÀFDWLRQVDQG3URIHVVLRQDO&HUWLÀFDWLRQ
Auditor internal suatu bank merupakan suatu jabatan 5IF JOUFSOBM BVEJUPS PG B CBOL JT BO PGmDF PS B QSPGFTTJPO
maupun profesi yang membutuhkan kemampuan yang lebih that requires a greater ability than other work units. One of
dibandingkan dengan unit kerja lainnya. Salah satu parameter the parameters that become the benchmark capability and

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
AUDIT INTERNAL
yang menjadi tolok ukur kemampuan dan keahlian auditor expertise of auditors are banking experience both in terms
adalah pengalaman perbankan baik dari segi operasional, of operations, business and support. In addition to banking
bisnis dan supporting. Selain pengalaman perbankan, strata FYQFSJFODF MFWFMPGFEVDBUJPOBOEDFSUJmDBUJPOJTBOJNQPSUBOU
QFOEJEJLBOEBOTFSUJmLBTJNFSVQBLBOGBLUPSQFOUJOH factor.
6HUWLÀNDVLSURIHVL 3URIHVVLRQDO&HUWLÀFDWLRQ
No 6HUWLÀNDVL_$FSUmDBUJPO Jumlah/Total
1 BSMR1 11
2 BSMR2 5
3 BSMR3 8
4 BSMR4 -
5 BSMR5 1
6 ERMCP 1
7 CA PIA 1
Jumlah Pegawai dan Pengalaman Perbankan The number of Eemployees and Banking Experience
Pengalaman Perbankan/
No Jabatan Jumlah/Total Position
Banking Experience
1 Pemimpin Divisi 1 Lebih dari 30 tahun/More than 30 years Head Division
2 Pemimpin Grup 8 20 - 27 tahun/years Group Leader
3 Manager 4 8 - 10 tahun/years Manager
4 4FOJPS0GmDFS 2 6 - 8 tahun/years 4FOJPS0GmDFS
5 0GmDFS 11 3 - 5 tahun/years 0GmDFS
6 Junior Staf 17 1 - 2 tahun/years Junior Staff
Jenjang Pendidikan Education Level

No Jabatan Jumlah/Total Position
1 S2 3 S2
2 S1 39 S1
3 D3 1 D3
Auditor Kantor Wilayah $XGLWRUIRU5HJLRQDO2IÀFH

Audit Kantor Wilayah merupakan grup audit yang bertugas 3FHJPOBM0GmDF"VEJUJTBOBVEJUHSPVQJODIBSHFUPDPOEVDU
untuk melakukan pemeriksaan terhadap Kantor Wilayah BOFYBNJOBUJPOPGUIF3FHJPOBM0GmDFBOEJUT#SBODI0GmDFT
beserta Kantor Cabang, Kantor Cabang Pembantu serta 4VC#SBODI 0GmDFT BOE $BTI 0GmDFT UIBU JT VOEFS UIF
Kantor Kas yang berada dalam komando Kantor Wilayah. 3FHJPOBM 0GmDF 5IF 3FHJPOBM 0GmDF "VEJU (SPVQ JT EJWJEFE
Grup Audit Kantor wilayah terbagi menjadi 4 (empat) grup into four (4) groups according to the division of the Regional
sesuai dengan pembagian Kantor Wilayah/Regional. 0GmDF
Audit Kantor Wilayah 1 $XGLW5HJLRQDO2IÀFH

No Jabatan/Position Nama | Name Position
1 Pemimpin Grup Firman Ahmad Hidayat Group Leader
2 0GmDFS Rizky Rihmansah 0GmDFS
3 Junior Staf Resa Ginanjar Junior Staff
4 Junior Staf Muhammad Bhakti Wahana Junior Staff
5 Junior Staf Wildanul Muqqodas Junior Staff
6 Junior Staf Moch Nurdin Junior Staff

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
543
INTERNAL AUDIT

No Jabatan Nama | Name Position
1 Pemimpin Grup Ade Supriatna Group Leader
2 0GmDFS Engkris Trisyami 0GmDFS
3 0GmDFS Dwi Setio Utari 0GmDFS
4 Junior Staf Firman Aprianto Junior Staff
5 Junior Staf Muhammad Fadillah Junior Staff

1 Pemimpin Grup Budiman Effendi Group Leader
2 0GmDFS Bambang Sulistio Adi 0GmDFS
3 0GmDFS Sieska Pratiwi 0GmDFS
4 Junior Staf Dody Apriadi Junior Staff
5 Junior Staf Arif Satya Nugraha Junior Staff

1 Pemimpin Grup Bustami Group Leader
2 Manager Hamdan Astadipura Manager
3 Manager Rizky Adhisantika Manager
4 Junior Staf Fazlurrahman Junior Staff
5 Junior Staf Ferry Hardiyanto Junior Staff
Audit Kantor Pusat +HDG2IÀFH$XGLW

Audit Kantor Pusat merupakan grup yang bertugas melakukan "VEJU (SPVQ )FBE 0GmDF JT JO DIBSHF PG JOTQFDUJPO BOE
pemeriksaan Divisi dan Proses Bisnis. Business Process Division.
1 Pemimpin Grup Wawan Hernawan Group Leader
2 4FOJPSPGmDFS Indra Permana 4FOJPSPGmDFS
3 0GmDFS Dhea Ekadita Pratiwi 0GmDFS
4 Junior Staf Akhmad Muhari Gandamanah Junior Staff
5 Junior Staf Agung Widodo Junior Staff
Audit Anti Fraud Anti Fraud Audit

Grup Anti Fraud merupakan grup audit yang memiliki tugas Anti-Fraud Group is a group that has the task of auditing for
untuk melakukan pencegahan, deteksi dan pemeriksaan the prevention, detection and investigation of fraud related
terkait tindakan fraud. actions.
1 Pemimpin Grup Iswahyudi Group Leader
2 Manager Faury Fuad Helmi Manager
3 4FOJPS0GmDFS Umar Peruk 4FOJPS0GmDFS
4 0GmDFS Donny Samudera Rachmawan 0GmDFS
5 Junior Staf Raden Danang Seno Adhi Junior Staff
6 Junior Staf Ikhsan Zainul Rico Junior Staff

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
AUDIT INTERNAL
Audit Teknologi Informasi Technology Information Audit

1 Pemimpin Grup Aldy Edwin Dalimartha Group Leader
2 Manager Ipan Gumilar Manager
3 0GmDFS Bay Aprian 0GmDFS
4 Junior Staf 5BBKVM"SJmO Junior Staf
5 Junior Staf M Dikdik Miliardi Junior Staf
Audit Service Development & Quality Assurance Service Development & Quality Assurance Audit
1 Pemimpin Grup Subadri Pemimpin Grup
2 0GmDFS Anggi Anggraeni 0GmDFS
3 0GmDFS Novianti Asri Dewi 0GmDFS
4 0GmDFS Hadi Purwanto 0GmDFS
5 Junior Staf Shenny Sanastasia Junior Staff
Tugas dan Tanggung Jawab sesuai Charter/ Duties and Responsibilities under the Charter/
Piagam Audit Intern Internal Audit Charter
Piagam Audit Intern Perseroan ditetapkan berdasarkan Surat Internal Audit Charter of the Company is established under
Keputusan Direksi No. 657/SK/DIR-DAI/2009 tertanggal 30 the Decree of the Board of Directors No. 657/SK/DIR-DAI/2009
Juni 2009 tentang Piagam Internal Audit Charter PT Bank dated 30 June 2009 on the Internal Audit Charter of PT Bank
Jabar Banten. Jabar Banten.
Pelaksanaan fungsi audit intern bank yang efektif wajib The implementation of an effective bank’s internal audit
memastikan pemeriksaan dan penilaian atas kecukupan dan function shall ensure the examination and assessment the
efektivitas struktur pengendalian intern serta kualitas kinerja adequacy and effectiveness of internal control structure and
bank dalam rangka menjaga dan mengamankan kegiatan the quality of bank performance in order to safeguard and
usaha bank. secure the bank’s business activities.
Fungsi DAI (Divisi Audit Internal) adalah membantu tugas The function of the Internal Audit Division (DAI) is to assist the
Direktur Utama dan Dewan Komisaris dalam melakukan President Director and the Board of Commissioners in internal
pengawasan/pengendalian intern serta berperan sebagai monitoring/ control and act as consultants for internal parties
konsultan bagi pihak-pihak intern yang membutuhkan, in need, particularly those involving the scope of its duties,
terutama yang menyangkut ruang lingkup tugasnya yaitu: namely:
t .FOHLBKJ FmTJFOTJ EBO FGFLUJWJUBT TJTUFN QFOHFOEBMJBO t "TTFTTJOH UIF FGmDJFODZ BOE FGGFDUJWFOFTT PG JOUFSOBM
intern dan manajemen risiko yang berlaku melalui kegiatan control systems and risk management that apply through
audit intern berdasarkan penerapan GCG dan prinsip the internal audit activity based on the implementation of
kehati-hatian. GCG and the prudence principles.
• Menciptakan dan mengembangkan sistem audit • Creating and developing the Company’s internal audit
intern Perseroan serta menetapkan kebijakan dan system as well as establish policies and procedures for
prosedur pelaksanaan audit intern yang sesuai dengan internal audit implementation in accordance with the
perkembangan usaha bank berdasarkan GCG dan prinsip Bank’s business development based on GCG and the
kehati-hatian. prudence principles.
• Mengkaji ketaatan pelaksanaan sistem pengendalian • Assessing adherence to the implementation of internal
intern dan manajemen risiko yang berlaku melalui kegiatan control systems and risk management that apply through
audit intern. internal audit activity.

Introduction
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Corporate Data
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INTERNAL AUDIT
• Merencanakan, melaksanakan, dan melaporkan hasil • Plan, execute, and report the inspection results to the
pemeriksaan kepada Direktur Utama dan Dewan President Director and the Board of Commissioners as well
Komisaris serta memantau perencanaan dan pelaksanaan as to monitor the planning and implementation of follow-up
tindak lanjut hasil audit. on the results of the audit.
• Bekerja sama di bidang pengawasan dengan unit t $PPQFSBUJOH JO UIF mFME PG TVQFSWJTJPO XJUI JOUFSOBM BOE
organisasi intern dan ekstern. external organization units.
• Pemeriksaan dan penilaian terhadap keandalan sistem • Examination and assessment of the reliability of the TSI’s
pengendalian intern pada Teknologi Sistem Informasi internal control systems that are both running and under
(TSI) yang berjalan maupun yang sedang dikembangkan. development.
• Mengkaji setiap usulan atau proposal, kebijakan atau • Examine any recommendations or proposals, policies or
sistem dan prosedur dan memberi tanggapan atas systems and procedures and provide feedback on the
kecukupan sistem pengendalian intern dan risiko dalam adequacy of internal control systems and risk in policy or
kebijakan atau sistem prosedur tersebut berdasarkan system procedure based on the implementation of GCG
penerapan GCG dan prinsip kehati-hatian. and the prudence principles.
Fungsi Satuan Kerja Audit Internal (SKAI) Function of the Internal Audit Unit (IAU)
Satuan Kerja Audit Intern (SKAI) merupakan mitra bisnis The Internal Audit Unit is a business partner of all work units
seluruh unit kerja yang berfungsi memberikan assurance dan that functions to provide independent and objective
consulting yang independen dan obyektif dalam memberikan assurance and consulting in providing value-added
rekomendasi yang bernilai tambah dan memperbaiki recommendations and improve the operations of the
operasional organisasi. SKAI membantu organisasi dalam organization. The Internal Audit assists the organization
mencapai tujuannya dengan cara mengevaluasi dan to achieve its objectives by evaluating and improving the
meningkatkan efektivitas manajemen risiko, pengendalian effectiveness of risk management, internal control and
intern dan proses tata kelola. governance processes.
Dalam melaksanakan peran sebagai strategic business In performing its role as a strategic business partner and
partner dan konsultan, DAI menetapkan langkah kerja dengan DPOTVMUBOU UIF*"6EFmOFTUIFXPSLQIBTFTXJUIUIFGPMMPXJOH
ruang lingkup tugas sebagai berikut; scope of works;
.FOHLBKJ FmTJFOTJ EBO FGFLUJWJUBT TJTUFN QFOHFOEBMJBO "TTFTTJOHUIFFGmDJFODZBOEFGGFDUJWFOFTTPGUIFBQQMJDBCMF
intern dan manajemen risiko yang berlaku melalui kegiatan internal control system and risk management through
audit intern berdasarkan penerapan good corporate internal audit activities based on the implementation
governance dan prinsip kehati-hatian (Prudential Banking). of good corporate governance and the precautionary
2. Menciptakan dan mengembangkan sistem audit intern principles (Prudential Banking).
Perseroan serta menetapkan kebijakan dan prosedur 2. Creating and developing the Company’s internal audit
pelaksanaan audit intern sesuai dengan perkembangan system as well as establishing policies and procedures
usaha bank berdasarkan penerapan Good Corporate for the implementation of internal audit in accordance
Governance dan prinsip kehati-hatian (prudential with the bank’s business development based on the
banking). implementation of good corporate governance and the
3. Mengkaji ketaatan pelaksanaan sistem pengendalian precautionary principles (prudential banking).
intern dan manajemen risiko yang berlaku melalui kegiatan 3. Assessing adherence to the implementation of the
audit. applicable internal control and risk management systems
4. Merencanakan, melaksanakan dan melaporkan hasil through audit activities.
pemeriksaan kepada Direktur Utama dan Dewan 4. Plan, execute and report the assessment results to the
Komisaris serta memantau perencanaan dan pelaksanaan President Director and the Board of Commissioners as well
tindak lanjut. as monitor the planning and implementation of the follow-
ups.

Pendahuluan
Laporan Manajemen
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AUDIT INTERNAL
5. Bekerja sama di bidang pengawasan dengan unit 5. Cooperate in monitoring the internal and external
organisasi intern dan ekstern. organization units.
6. Examination and assessment on the reliability of the
6. Pemeriksaan dan penilaian terhadap keandalan sistem
internal control systems in information technology (TSI)
pengendalian intern pada Teknologi Sistem Informasi (TSI)
that is being applied as well as those being developed.
yang berjalan maupun yang sedang dikembangkan.
7. Reviewing any recommendations or proposals, policies
7. Mengkaji setiap usulan atau proposal, kebijakan atau
or systems and procedures and provide a response on
sistem dan prosedur dan memberikan tanggapan atas
the adequacy of internal control systems and risks in the
kecukupan sistem pengendalian internal dan risiko dalam
policy or procedure of the system based on the principles
kebijakan atau sistem prosedur tersebut berdasarkan
of good corporate governance and the precautionary
prinsip good corporate governance dan prinsip kehati-
principles (prudential banking).
hatian (prudential banking).
8. In support of an effective assessment, DAI develops a
8. Dalam mendukung pemeriksaan yang efektif, DAI
technology-based application.
mengembangkan aplilkasi berbasis teknologi.
Laporan Pelaksanaan Tugas Report of Task Implementation

Sepanjang tahun 2014, Divisi Audit Internal (DAI) telah Throughout 2014, the Internal Audit Division (IAD) has
melakukan pemeriksaan terhadap 31 Kantor Cabang, 1 DPOEVDUFE FYBNJOBUJPOT PO #SBODI 0GmDFT 4QFDJBM
Pemeriksaan Khusus Kantor Cabang Pembantu, 3 proses *OWFTUJHBUJPO PO 4VC#SBODI 0GmDF #VTJOFTT 1SPDFTTFT
Bisnis, 1 Divisi, 1 Kantor Wilayah serta pemeriksaan terhadap %JWJTJPO 3FHJPOBM 0GmDF BT XFMM BT BO FYBNJOBUJPO PG
4 aplikasi teknologi informasi (Dana Pensiun Lembaga the 4 information technology applications (Financial Institute
Keungan, Dana Pihak Ketiga, End User Computing dan Pension Fund, Third Party Funds, End User Computing and
Security and Access) serta pemeriksaan khusus terhadap 1 Security and Access) as well as a special examination on 1
Kantor Cabang Pembantu dengan skala prioritas pemeriksaan 4VC#SBODI0GmDFXJUIFYBNJOBUJPOQSJPSJUZTDBMFPOUIFXPSL
QBEBVOJULFSKBZBOHNFNJMJLJQSPmMSJTJLPZBOHUJOHHJ VOJUUIBUIBTBIJHISJTLQSPmMF
Metodologi pemeriksaan dilakukan dengan menggunakan The examination methodology was performed using a risk
risk based audit terutama kepada area yang memiliki potensi based audit, particularly to areas that have large potential
risiko yang besar. risks.
Kegiatan Audit Internal 2014 Internal Audit Activity in 2014

1. Pemeriksaan 1. Examination
Metodologi pemeriksaan dilakukan dengan The examination methodology was performed using a risk
menggunakan risk based audit yang memprioritaskan based audit, particularly to areas that have large potential
kepada area yang memiliki risiko yang tinggi. risks.
Divisi Audit Internal melakukan pemeriksaan berdasarkan The Internal Audit Division performed examination based
Rencana Kerja Audit Tahun (RKAT) 2014. Pada Rencana on the 2014 Audit Work Plan (RKAT). In the 2014 Internal
Kerja Audit Internal Tahun 2014, Divisi Audit Internal Audit Work Plan, the Internal Audit Division planned to
merencanakan memeriksa 32 Kantor Cabang, 3 Proses DIFDL#SBODI0GmDFT #VTJOFTT1SPDFTTFT %JWJTJPO
Bisnis, 1 Divisi dan 7 aplikasi teknologi informasi. and 7 information technology applications.
Jenis Pemeriksaan/Audit Type Rencana/Plan Realisasi/Realization
Audit Umum Kantor Wilayah/3FHJPOBM0GmDFPGUIF1VCMJD"VEJU 32 27
Audit Kantor Pusat/"VEJU)FBE0GmDF
Divisi/Division 1 0
Proses Bisnis/Business Process 3 3
Audit Teknologi Informasi/Information Technology Audit 7 7
Audit Khusus/Fraud I Special Audit 0 20
Audit Surprise/Surprise Audit 0 4

Introduction
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Corporate Data
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INTERNAL AUDIT
Selama tahun 2014, Divisi Audit Internal telah melakukan Throughout 2014, the Internal Audit Division has conducted
pemeriksaan kepada 27 Kantor Cabang, 3 Proses Bisnis, FYBNJOBUJPOTPO#SBODI0GmDFT #VTJOFTT1SPDFTTFT
7 aplikasi teknologi informasi, 20 Audit Khusus dan 4 Audit 7 information technology applications, 20 Special Audits
Surprise. Terdapat rencana kerja yang tidak terealiasi and 4 Surprise Audits. There were work plans that were
disebabkan oleh peningkatan pemeriksaan menjadi audit not realized due to the increase of examination into special
khusus dan pengalihan pemeriksaan terhadap informasi audit and transfer of examination on information obtained
yang diperoleh dari whistleblower melalui whistleblowing from the whistleblower through the whistleblowing system.
system.
2. Pelaksanaan Tugas non Pemeriksaan 2. Non Examination Duty Implementation

Selain melakukan pemeriksaan, Divisi Audit pun memiliki In addition to performing examination, the Audit Division
tugas untuk menyampaikan laporan pokok-pokok also has the duty to submit a report on the results of the
hasil audit dan mendampingi pemeriksaan eksternal. audit and accompanying external examinations. In 2014,
Pada tahun 2014, Divisi Audit Internal menyampaikan the Internal Audit Division conveyed the bi-annual fraud
laporan audit fraud dan laporan pokok-pokok hasil audit audit reports and main audit results reports to the Financial
semesteran kepada Otoritas Jasa Keuangan sebanyak Services Authority 2 times. As for the assistance of external
2 kali. Sedangkan untuk pendampingan pemeriksa examiners, the Internal Audit Division only accompany
eksternal, Divisi Audit Internal hanya mendampingi Financial Services Authority examiners.
pemeriksa Otoritas Jasa keuangan saja.
Jenis Pemeriksaan/Audit Type Rencana/Plan Realisasi/Realization

Pelaporan Pelaksanaan Audit Fraud/Fraud Audit Implementation Reporting 2 2
Pelaporan Pokok-Pokok Hasil Audit Semesteran/Bi annual Main Audit Results 2 2
Menjadi LO untuk Kegiatan Otoritas Jasa Keuangan dan BPK RI/Becoming the LO for the Financial
2 1
Services Authority and BPK RI Activities
3. External Quality Assurance Review 3. External Quality Assurance Review

Dalam rangka pengendalian mutu dan memenuhi In the framework of quality control and compliance,
kepatuhan, pada tahun 2014, Audit Internal telah dilakukan in 2014, the Internal Audit has conducted a quality
quality assurance review oleh pihak eksternal independen assurance review by an independent external party ie
yaitu KAP , Tanzil dan rekan yang menyampaikan secara KAP, Tanzil and colleagues who expressed generally that
umum bahwa pelaksanaan kegiatan audit internal selama the implementation of the internal audit activity for 3 (three)
3 (tiga) tahun terakhir telah patuh terhadap Standar years has been to adhere to standards of implementation
pelaksaanaan Fungsi Audit Internal Bank (SPFAIB), of the Internal Audit Function Bank (SPFAIB), although
kendati terdapat kelemahan minor yang perlu mendapat there are minor weaknesses that need attention repairs.
perhatian perbaikan.
Pihak yang mengangkat dan Memberhentikan Party Appoint and Dismiss the Chairman of the
Ketua Unit Audit Internal Internal Audit Unit
Pengangkatan dan pemberhentian Pemimpin Divisi The appointment and dismissal of the Chief Internal Audit
Audit Internal dilakukan oleh Direktur Utama dengan Division conducted by the Managing Director with the approval
persetujuan Dewan Komisaris. Selain itu, pengangkatan dan of the Board of Commissioners. Moreover, the appointment
pemberhentian jabatan Pemimpin Divisi Audit Internal wajib and dismissal of the Internal Audit Division Leader positions
dilaporkan kepada Bank Indonesia dengan memberikan shall be reported to Bank Indonesia by giving the reason the
alasan pengangkatan dan pemberhentian tersebut. appointment and dismissal.

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
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AUDIT EKSTERNAL
EXTERNAL AUDIT
Berdasarkan hasil keputusan RUPS Perseroan pada tanggal Based on the decision of the GMS of the Company on 26
26 Maret 2014, ditetapkan akuntan publik yang melakukan March 2014, the public accountant appointed to audit the
audit Laporan keuangan Perseroan periode 31 Desember mOBODJBM TUBUFNFOUT PG UIF $PNQBOZ GPS UIF %FDFNCFS
2014 adalah: 2014 period is:
KAP Purwantono, Suherman & Surja KAP Purwantono, Suherman & Surja
5IF*OEPOFTJBONFNCFSmSNPG&SOTU:PVOH(MPCBM-JNJUFE
5IF*OEPOFTJBONFNCFSmSNPG&SOTU:PVOH(MPCBM-JNJUFE
Gedung Bursa Efek Indonesia Bursa Efek Indonesia Building

Menara 2 Lantai 7 Tower 2 7th Floor
Jl. Jend. Sudirman Kav. 52-53 Jl. Jend. Sudirman Kav. 52-53
Jakarta 12190 Jakarta 12190
Indonesia Indonesia
Telp. (021) 5289 5000 Telp. (021) 5289 5000
Fax. (021) 5289 4545 Fax. (021) 5289 4545
Yang menjadi tugas pokok yaitu melakukan audit laporan 5IFNBJOUBTLJTUPBVEJUUIF$PNQBOZTmOBODJBMTUBUFNFOUT

keuangan Perseroan pada tanggal dan untuk tahun yang on the date and for the year ended 31 December 2014, in
berakhir pada tanggal 31 Desember 2014, berdasarkan accordance with the auditing standards established by the
standar auditing yang ditetapkan oleh Institut Akuntan Publik *OEPOFTJBO *OTUJUVUF PG $FSUJmFE 1VCMJD "DDPVOUBOUT 5IPTF
Indonesia. Standar tersebut mengharuskan Akuntan Publik standards requires Public Accountants to plan and perform
merencanakan dan melaksanakan audit agar memperoleh the audit to obtain reasonable assurance that whether the
keyakinan yang memadai bahwa laporan keuangan bebas dari mOBODJBM TUBUFNFOUT BSF GSFF PG NBUFSJBM NJTTUBUFNFOU 5IF
salah saji yang material. Akuntan Publik bertanggung jawab Public Accountant is responsible for the feedback given to the
atas pendapat yang diberikan terhadap laporan keuangan BVEJUFEmOBODJBMTUBUFNFOUT1VCMJD"DDPVOUBOUEVUJFTJODMVEF
yang diaudit. Tugas Akuntan Publik meliputi pemeriksaan atas examination on a test basis, evidence supporting the amounts
dasar pengujian, bukti-bukti yang mendukung jumlah-jumlah BOEEJTDMPTVSFTJOUIFmOBODJBMTUBUFNFOUT
dan pengungkapan dalam laporan keuangan.
Biaya/Fee Jasa kantor Akuntan Publik Services Fee of Public Accountant

Tahun/ Nama Akuntan (Perorangan)/
Kantor Akuntan Publik/ Biaya/Fee
Year Accountant Name (Personal)
1VCMJD"DDPVOUBOU0GmDF
2010 Ernst & Young Hari Purwantono Rp 1.500.000.000.000
2011 Ernst & Young Hari Purwantono Rp 900.000.000.000
2012 Ernst & Young Benyanto Suherman Rp 1.550.000.000.000
Selama tahun 2014, Kantor Akuntan Publik Purwantono, %VSJOH UIF 1VCMJD "DDPVOUBOU 0GmDF PG 1VSXBOUPOP
Suherman & Surja tidak memberikan jasa akuntan lainnya Suherman & Surja did not provide acounting services other
selain melakukan audit laporan keuangan Perseroan pada UIBOUPBVEJUUIF$PNQBOZTmOBODJBMTUBUFNFOUTBTBUBOEGPS
tanggal dan untuk tahun yang berakhir pada tanggal 31 the year ended 31 December 2014.
Desember 2014.

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
549
SISTEM PENGENDALIAN INTERNAL

INTERNAL CONTROL SYSTEM
1. Penjelasan mengenai Sistem Pengendalian Internal 1. A description of the Internal Control System
Sistem pengendalian Internal, terhadap aspek keuangan *OUFSOBMDPOUSPMTZTUFNT POUIFmOBODJBMBOEPQFSBUJPOBM
dan operasional merupakan lingkup dari pelaksanaan aspects of the scope of the audit of a general nature
audit yang bersifat umum (general) yang meliputi: (general) which includes:
a. Aspek Keuangan a. Financial Aspects
Aspek-aspek yang diperhatikan dalam lingkup audit The aspects considered in the scope of the internal
intern dengan pendekatan risiko dan proses bisnis audit and risk approach to business processes
antara lain adalah: include:
- kebenaran, kelengkapan dan ketepatan waktu - Correctness, completeness and timeliness of the
atas informasi yang disajikan dalam laporan information presented in the management reports and
manajemen dan laporan keuangan. mOBODJBMTUBUFNFOUT
- ketaatan terhadap kebijakan dan ketentuan - Adherence to policies and regulations that have
yang telah ditetapkan (compliance objectives/ been set (compliance objectives / compliance audit),
compliance audit), Auditor Intern menguji kegiatan *OUFSOBM "VEJUPST FYBNJOF UIF BDUJWJUJFT BOE mOBODJBM
dan operasi keuangan (mOBODJBM QSPDFTT) dari PQFSBUJPOT mOBODJBM QSPDFTT
PG UIF PCKFDU UP CF
obyek yang diaudit untuk meyakini bahwa seluruh audited to believe that all rights and obligations arising
hak dan kewajiban yang timbul dari transaksi from the transaction is authorized, have been recorded
yang diotorisasi, telah dibukukan dengan benar. correctly . In addition, to believe that the activities do
Disamping itu, untuk meyakini bahwa kegiatan OPU DPOnJDU XJUI UIF TZTUFNT BOE QSPDFEVSFT BOE
yang dilakukan tidak bertentangan dengan sistim applicable regulations
dan prosedur serta peraturan yang berlaku a. Operational Aspect
a. Aspek Operasional - Usability Assessment and Internal Auditors-
- Penilaian Daya Guna dan Kehematan Auditor effectiveness to identify, analyze and assess the
*OUFSO NFOHJEFOUJmLBTJ NFOHBOBMJTJT EBO NFOJMBJ rules that apply to every aspect of the organization,
peraturan yang berlaku pada setiap aspek dari programs and activities to be audited to consider
organisasi, program dan kegiatan yang diaudit whether a practice can still be cultivated more
untuk mempertimbangkan apakah praktik yang FGmDJFOU PS NPSF FGmDJFOU 4VDI BO BTTFTTNFOU
dilakukan masih dapat diusahakan lebih hemat is required for purposes of determining whether
atau lebih berdaya guna. Penilaian semacam ini the inspected unit can be achieved with more
diperlukan karena penentuan apakah tujuan unit FGmDJFOUPSQPXFSGVM DBOOPUCFEPOFXJUIPVUmSTU
yang diperiksa dapat dicapai dengan lebih hemat understanding the purpose of the unit and what
atau berdaya guna, tidak dapat dilakukan tanpa was required by existing regulations.
memahami dahulu tujuan unit tersebut dan apa "TTFTTNFOU 3FTVMUT (VOB BOE #FOFmUT *OUFSOBM
yang dikehendaki oleh peraturan yang ada. Auditor to identify, analyze and assess the depth
- Penilaian Hasil Guna dan Manfaat. Auditor Intern of strategy, policy, goals (objectives) and goals
NFOHJEFOUJmLBTJ NFOHBOBMJTJT EBO NFOJMBJ (goals) units are examined, in order to understand
secara mendalam tentang strategi, kebijakan, the results that were expected from the activities
sasaran (objectives) dan tujuan (goals) unit PG UIF VOJU *O BEEJUJPO BMTP QFSGPSN TVGmDJFOU
yang diperiksa, untuk dapat memahami hasil testing to the implementation of activities in order
yang sebenarnya diharapkan dari kegiatan unit to determine whether the activities carried out in
tersebut. Disamping itu, juga melakukan pengujian accordance with regulations and achieve the
secukupnya terhadap pelaksanaan kegiatan untuk expected results.
dapat menentukan apakah kegiatan tersebut
dilaksanakan sesuai dengan peraturan dan
mencapai hasil yang diharapkan.

Pendahuluan
Laporan Manajemen
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Substansi dari audit aspek operasional ini adalah The essence of the operational aspect audit is
QFOHVKJBO PMFI "VEJUPS *OUFSO NFOHFOBJ FmTJFOTJ UIF UFTU CZ UIF *OUFSOBM "VEJUPS PO UIF FGmDJFODZ
dan efektivitas dari pelaksanaan kegiatan and effectiveness of activities implementation
(performance objectives), pencapaian tujuan dan (performance objectives), the achievement of set
sasaran yang telah ditetapkan. goals and objectives.
2. Kesesuaian Pengendalian Internal dengan COSO 2. Conformity of Internal Control with COSO
1. Control Environment 1. Control Environment
Direksi dan Dewan Komisaris sebagai pemangku The Board of Directors and the Board of Commissioners
kepentingan dalam Perusahaan telah menetapkan as stakeholders in the Company has established
beberapa kebijakan dan tindakan yang mencerminkan TFWFSBM QPMJDJFT BOE NFBTVSFT UIBU SFnFDU UIF PWFSBMM
keseluruhan pengendalian manajemen. management control.
a. Menetapkan code of conduct bankir a. Establish the bankers’ code of conduct
b. Penetapan nilai-nilai budaya perusahaan b. Establishment of corporate values which is
(corporate value) yang tercermin dalam 14 SFnFDUFEJOCFIBWJPST
perilaku. c. Determination of 2014 as the zero tolerance for
c. Penetapan tahun 2014 sebagai tahun zero Fraud year.
tolerance for Fraud. d. Determination of the Organizational Structure in
d. Penetapan Struktur Organisasi sesuai dengan accordance with the company’s business model.
model bisnis perusahaan.
2. Risk Assessment 2. Risk Assessment

Sistem pengendalian intern yang efektif dapat Effective internal control system can identify and
NFOHJEFOUJmLBTJ EBO NFOFMBBI SJTJLP ZBOH TFDBSB BOBMZ[F UIF SJTLT UIBU BSF NBUFSJBMMZ BOE TJHOJmDBOUMZ
NBUFSJBM EBO TJHOJmLBO BLBO NFNQFOHBSVIJ will affect the achievement of the goals and objectives
pencapaian tujuan dan sasaran Bank. Penelaahan of the Bank. The review should cover all risks faced
harus mencakup seluruh risiko yang dihadapi Bank by the Bank on a consolidated basis (among others:
secara konsolidasi (antara lain: risiko kredit, risiko credit risk, market risk, liquidity risk, operational
pasar, risiko likuiditas, risiko operasional, risiko hukum, risk, legal risk, reputation risk, compliance risk, and
risiko reputasi, risiko kepatuhan, dan risiko strategik). strategic risk).
Manajemen puncak telah melakukan untuk 5PQ NBOBHFNFOU IBT JEFOUJmFE BOBMZ[FE BOE
NFOHJEFOUJmLBTJ NFOHBOBMJTBEBONFOJMBJ EFMBQBO
assessed 8 (eight) consolidated risks. The Risk
risiko secara konsolidasi. Divisi Manajemen Risiko, Management Division, Internal Audit and Compliance
Divisi Audit Internal dan Kepatuhan berseinergis %JWJTJPOBSFJOTZOFSHZJODPOEVDUJOHSJTLJEFOUJmDBUJPO
EBMBNNFMBLVLBOJEFOUJmLBTJEBOQFOJMBJBOSJTJLP and assessment.
3. Control Activities 3. Control Activities

Direksi telah melakukan tindakan yang mengatur agar The Board of Directors has undertaken actions that
setiap aktivitas yang dijalankan oleh seluruh karyawan regulates for any activities undertaken by all employees
memiliki pengendalian internal yang memadai. to have adequate internal control. The measures are,
Adapun tindakan tersebut antara lain: among others:
a. Menyusun, menetapkan dan menyetujui kebijakan a. Develop, establish and approve policies and
serta standar operasional prosedur. standard operating procedures.
b. Penetapan dan pemisahan tugas serta tanggung b. Determination and separation of duties and
jawab setiap pegawai sesuai dengan jabatan. responsibilities of each employee in accordance
with the position.

Introduction
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Corporate Data
551
c. Menetapkan kebijakan limit kewenangan otorisasi c. Establish the policy on authorization limit Has
Telah menetapkan dan menerapkan Bussiness established and implemented Business Continuity
Continuity Management seperti DRC (Disaster Management such as the DRC (Disaster Recovery
Recovery Center) dan BRC (Bussiness Recovery Center) and BRC (Bussiness Recovery Center).
Center).
4. Information and Communication 4. Information and Communication

Informasi merupakan aspek penting dalam setiap Information is an important aspect in every activity
aktivitas perusahaan salah satunya dalam pengambilan of the company, one of which is in decision making.
keputusan. Informasi yang baik harus memiliki kualitas Good information must have good quality with correct,
yang baik dengan kriteria informasi yang benar, akurat accurate and timely information criteria. The Board
dan tepat waktu. Direksi telah membangun sistem of Directors has built an effective information and
informasi dan komunikasi yang efektif dan memiliki communication system with good quality. Policies and
kualitas yang baik. Adapun kebijakan dan tindakan actions that have been carried out by top management
yang telah dilakukan oleh manajemen puncak adalah are as follow:
sebagai berikut: a. Utilizing internet-based applications by observing
a. Mengunakan aplikasi berbasis internet dengan the level of security and the level of access in
memperhatikan tingkat keamanan dan tingkatan accordance with the duties and responsibilities.
akses sesuai dengan tugas dan tanggung jawab. b. Financial and accounting transaction processes
b. Proses transaksi keuangan dan akuntansi have used the latest standards, namely PAPI
telah menggunakan Standar terbaru yaitu PAPI (Indonesian Banking Accounting Regulation).
(Peraturan Akuntansi Perbankan Indonesia). D 5IF $PNQBOZT mOBODJBM JOGPSNBUJPO IBT CFFO
c. Informasi keuangan perusahaan telah diaudit oleh audited by a public accountant.
akuntan publik.
5. Monitoring 5. Monitoring
Direksi melakukan evaluasi terhadap pelaksanaan The Board of Directors evaluates internal control
pengendalian internal dalam seluruh kegiatan aktivitas implementation in all activities of the bank. Evaluation
bank. Evaluasi pelaksanaan pengendalian internal of the internal control implementation is carried out by
dilakukan oleh Divisi Audit Internal. Divisi Audit the Internal Audit Division. The Internal Audit Division
internal menyampaikan Laporan Hasil Audit kepada submit the Audit Report to the Board of Directors and
Direksi dan Dewan Komisaris, serta tembusan kepada the Board of Commissioners, as well as a copy to the
Direktur Kepatuhan Selain itu, Laporan Kegiatan Audit Compliance Director. In addition, the Audit Activity
dilaporkan kepada Bank Indonesia setiap 6 (enam) Report is reported to Bank Indonesia every 6 (six)
bulan. months.
3. Penjelasan mengenai Evaluasi yang Dilakukan atas 3. Description of Evaluation on the Effectiveness of the
Efektivitas Sistem Pengendalian Intern Internal Control System
Berdasarkan hasil pemeriksaan yang dilakukan oleh Divisi Based on the examination results conducted by the Internal
Audit Internal terhadap sistem pengendalian internal Audit Division on the internal control system indicates that
menunjukan bahwa bank bjb dalam menjalankan kegiatan bank bjb in running the activity of company already has
perusahaan telah memiliki kebijakan dan disain kontrol. control policy and design. The control policy and design
Kebijakan dan disain kontrol tersebut telah dijalankan are carried out adequately despite several weaknesses or
secara memadai meskipun terdapat kelemahan atau EFmDJFODJFT
kekurangan.

Pendahuluan
Laporan Manajemen
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Divisi Audit Internal menyampaikan rekomendasi The Internal Audit Division provided recommendations
kepada Direksi agar melakukan perbaikan dan to the Board of Directors to improve and enhance
peningkatan pengendalian internal. Direksi telah internal control. The Board of Directors has increased its
melakukan peningkatan sistem pengendalian internal baik internal control systems both from design and control of
dari kebijakan disain kontrol. policy.
4. Informasi lain yang berkaitan dengan Pengawasan 2WKHU ,QIRUPDWLRQ UHODWHG WR WKH &RPSDQ\·V ,QWHUQDO
Intern Perusahaan Monitoring
Audit Internal membantu Direksi dan Komisari salam Internal Audit assists the Board of Directors and the
melaksanakan tata kelola bank, antara lain dengan: Board of Commissioners in implementing the bank’s
governance, among others, by:
a. Khususnya penetapan kebijakan dan konsistensi a. In particular the establishment of policies and
pelaksanaannya oleh manajemen puncak; implementation consistency by top management;
b. Melakukan evaluasi yang obyektif atas risiko dan b. Conduct objective evaluation on risks and internal
sistem pengendalian intern yang berjalan saat ini; control system which is currently running;
c. Melakukan analisis yang sistematis atas proses bisnis c. Conduct a systematic analysis on the business
dan pengendaliannya; process and its control;
d. Melakukan review untuk memastikan pengamanan d. Conduct a review to ensure the security of the Bank’s
Aset Bank; Assets;
e. Menyampaikan informasi atas terjadinya kecurangan e. Deliver information on fraud;
(Fraud); f. Ensuring compliance implementation towards various
f. Memastikan pelaksanaan kepatuhan terhadap applicable regulations;
berbagai peraturan yang berlaku; H $POEVDU SFWJFXT PO PQFSBUJPOBM BOE mOBODJBM
g. Melakukan review atas kinerja operasional dan performance;
mOBOTJBM h. Recommend the utilization of resources to be more
h. Merekomendasikan penggunaan sumber daya agar FGGFDUJWFBOEFGmDJFOU
MFCJIFGFLUJGEBOFmTJFO i. Review on the achievement of goals and objectives;
i. Penelaahan terhadap pencapaian tujuan dan obyektif; j. Provide feedback on adherence to the Corporate
j. Memberikan masukan mengenai ketaatan terhadap Culture and the Essence of the applicable Corporate
Budaya Perusahaan dan Intisari Butir-Butir Perilaku Culture.
Budaya Perusahaan yang berlaku.
Jumlah Penyimpangan Internal Number o Internal Fraud

Pengertian Fraud mengacu kepada Surat Edaran Bank 5IF EFmOJUJPO PG 'SBVE SFGFST UP #BOL *OEPOFTJB $JSDVMBS
Indonesia Nomor 13/28/DPNP tanggal 9 Desember 2011 Letter No. 13/28/DPNP dated 9 December 2011 on anti-fraud
perihal strategi anti fraud bagi Bank Umum. Jumlah strategy for Commercial Banks. The number of internal fraud
penyimpangan internal bank bjb yang terjadi selama tahun at bank bjb that occurred during 2014:
2014:

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
553
Jumlah kasus yang dilakukan oleh/The number of cases performed by
Anggota Dewan Komisaris dan

Anggota Direksi/Members of the Pegawai Tetap/ Pegawai Tidak Tetap/
Internal Fraud dalam 1 tahun/ Board of Commissioners and Board Permanent Employee Non Permanent Employee
Internal Fraud in 1 year of Directors Member
Tahun Tahun Tahun Tahun Tahun

Tahun Berjalan/
Sebelumnya/ Berjalan/ Sebelumnya/ Berjalan/ Sebelumnya/
Current Year
Previous Year Current Year Previous Year Current Year Previous Year
Total Fraud/Total Fraud
Telah diselesaikan/Has been - - - - - -

completed
Dalam proses penyelesaian di - - 3 kasus/cases: - - -

internal Bank/In the process of - KCP Kreo
settlement in the Bank’s internal - KC Balaraja
- KCP Ciawi
Belum diupayakan penyelesaian/ - - 1 kasus/case: - - -

Has not been sought completion - KCP Katapang
Telah ditindaklanjuti melalui proses - - 1 kasus/case: - - -

hukum/Has been followed through - KCP Jamika
the legal process
Keterangan: Notes:
1. Data tersebut merupakan data fraud dengan nominal di atas Rp.100.000.000,- 1. The data is the data fraud with the above nominal Rp.100.000.000, - (one hundred
(seratus juta rupiah) yang bersifat risk loss maupun potensial loss. million dollars), which is the risk of potential loss or loss.
2. Pegawai tidak tetap berkoordinasi dengan pegawai tetap dalam melakukan tindakan 2. Temporary staff in coordination with the employee remains in the fraud action.
fraud.

Pendahuluan
Laporan Manajemen
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PERKARA HUKUM
LEGAL CASES
Perkara Penting yang Sedang Dihadapi Important Case The Moderate Faced by the
Perusahaan/Entitas Anak/Anggota Direksi/ Company/Subsidiary/Board of Directors/Member
Anggota Dewan Komisaris yang Sedang Menjabat of the Board of Commissioners Who is Served in
pada Periode Laporan Tahunan Annual Report Period
No Jenis Pokok Perkara/ Posisi Status Penyelesaian/ Dampak Pada Perseroan/
Perkara/ Principal Case Perseroan/ Completion Status Impact to the Company
Type of Position Company
Case
1 Perdata Gugatan atas bank bjb selaku Pengadilan Negeri/District Court 5JEBLUFSEBQBUEBNQBLZBOHTJHOJmLBOUFSIBEBQ
Civil kredit oleh debitur tergugat/ Menolak gugatan Penggugat perusahaan
Lawsuit on loans bank bjb as a To overrule the Plaintiff’s claim 5IFSFJTOPTJHOJmDBOUJNQBDUPOUIFDPNQBOZ
by borrowers defendant Perseroan/Company
Upaya Hukum Banding dari Penggugat
Appeal from the Plaintiff’s Legal Action
2 Perdata Pembatalan bank bjb selaku Pengadilan Negeri/District Court 5JEBLUFSEBQBUEBNQBLZBOHTJHOJmLBOUFSIBEBQ
Civil jaminan kredit tergugat III/ 1. Mengabulkan gugatan Penggugat untuk sebagian; perusahaan
Cancellation of bank bjb as 2. Menyatakan Perjanjian Kredit adalah sah dan 5IFSFJTOPTJHOJmDBOUJNQBDUPOUIFDPNQBOZ
loan collateral defendant III mengikat
3. Menyatakan Para Tergugat terkait penambahan
plafon dan perpanjangan waktu kredit dinyatakan
tidak sah dan cacat hukum
1. To grant the Plaintiff’s claim for partially;
2. Declare Credit Agreement is valid and binding
3. Declare the Defendants related to the addition
ceiling and the extension of credit period stated
unauthorized and legal defects
PT. Banten
1. Menyatakan Perjanjian Kredit adalah sah dan
mengikat
2. Menguatkan putusan Pengadilan Negeri Serang
1. Declare Credit Agreement is valid and binding
2. Strengthening the Serang District Court
Mahkamah Agung/Supreme Court
Upaya Hukum Kasasi dari pihak Tergugat
Remedies Cassation of the Defendant
Civil kredit oleh debitur tergugat Tahap Kesimpulan dari para pihak Perseroan
Lawsuit on loans bank bjb as Phase Conclusions of the parties 5IFSFJTOPTJHOJmDBOUJNQBDUPOUIF$PNQBOZ
by borrowers defendant
Civil kredit oleh debitur tergugat Tahap Replik (Tanggapan Penggugat atas Jawaban Perseroan
Lawsuit on loans bank bjb as Pihak Tergugat) 5IFSFJTOPTJHOJmDBOUJNQBDUPOUIF$PNQBOZ
by borrowers defendant Stage Evidence proving the principal case of the parties
Civil perbuatan tergugat Tahap pembuktian pokok perkara Tahap Pembuktian dari Perseroan
melawan hukum bank bjb as para pihak 5IFSFJTOPTJHOJmDBOUJNQBDUPOUIF$PNQBOZ
Lawsuit on tort defendant Proving phase of the principal case. Proving Phase of
Parties.
7 Perdata Gugatan bank bjb selaku Pengadilan Negeri/District Court 5JEBLUFSEBQBUEBNQBLZBOHTJHOJmLBOUFSIBEBQ
Civil perlawanan tergugat II Tahap Kesimpulan dari para pihak Perseroan
eksekusi debitur bank bjb as Phase Conclusions of the parties 5IFSFJTOPTJHOJmDBOUJNQBDUPOUIF$PNQBOZ
bank bjb the second
Lawsuit defendant
resistance
execution debtor
bank bjb
Civil kredit oleh debitur tergugat II Tahap Replik (Tanggapan Penggugat atas Jawaban Perseroan
by borrowers the second Phase Reply (Comments on Answer Party Plaintiff
defendant Defendant)
Civil kredit oleh debitur tergugat I Tahap Jawaban Perseroan
Lawsuit on loans bank bjb as the Answers Phase 5IFSFJTOPTJHOJmDBOUJNQBDUPOUIF$PNQBOZ
by borrowers mSTUEFGFOEBOU
by borrowers defendant Phase Reply (Comments on Answer Party Plaintiff
Defendant)

Introduction
Management Report
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Corporate Data
555
LEGAL CASES
No Jenis Pokok Perkara/ Posisi Status Penyelesaian/ Dampak Pada Perseroan/

Perkara/ Principal Case Perseroan/ Completion Status Impact to the Company
Type of Position Company
Case
Defendant)
12 Perdata Gugatan atas bank bjb selaku Sudah diajukan gugatan, dan menunggu Panggilan 5JEBLUFSEBQBUEBNQBLZBOHTJHOJmLBOUFSIBEBQ
Civil kredit oleh debitur penggugat "MSFBEZmMFEBMBXTVJU BOEXBJUGPSDBMMT Perseroan
Lawsuit on loans bank bjb as the 5IFSFJTOPTJHOJmDBOUJNQBDUPOUIF$PNQBOZ
by borrowers plaintiff
Civil kredit oleh debitur tergugat Tahap Replik (Tanggapan Penggugat atas Jawaban perusahaan
Defendant)
Civil kredit oleh debitur tergugat Tahap Mediasi, Pihak Penggugat mengajukan Perseroan
Lawsuit on loans bank bjb as keringanan kredit kepada pihak tergugat 5IFSFJTOPTJHOJmDBOUJNQBDUPOUIF$PNQBOZ
by borrowers defendant .FEJBUJPOTUBHF 1BSUZ1MBJOUJGGTmMFEXBJWFSTDSFEJUUPUIF
defendant
Civil kredit oleh debitur tergugat II Tahap Replik (Tanggapan Penggugat atas Jawaban Perseroan
by borrowers the second Phase Reply (Comments on Answer Party Plaintiff
defendant Defendant)
Civil kredit oleh debitur tergugat Pekalongan Perseroan
Lawsuit on loans bank bjb as Tahap Mediasi 5IFSFJTOPTJHOJmDBOUJNQBDUPOUIF$PNQBOZ
by borrowers defendant
Civil kredit oleh debitur tergugat II Penunjukan Hakim Mediator Perseroan
Lawsuit on loans bank bjb as The appointment of Judge Mediator 5IFSFJTOPTJHOJmDBOUJNQBDUPOUIF$PNQBOZ
by borrowers the second
defendant
Defendant)
Civil perbuatan tergugat Pembuktian dari para pihak Perseroan
melawan hukum bank bjb as Proof of the parties 5IFSFJTOPTJHOJmDBOUJNQBDUPOUIF$PNQBOZ
Cikini defendant
Lawsuit on tort
Cikini
Civil perbuatan tergugat Tahap Jawaban Perseroan
melawan hukum bank bjb as Phase Answers 5IFSFJTOPTJHOJmDBOUJNQBDUPOUIF$PNQBOZ
Lawsuit on tort defendant
Civil Perlawanan tergugat Tahap Kesimpulan dari para pihak Perseroan
Eksekusi Hak bank bjb as Phase Conclusions of the parties 5IFSFJTOPTJHOJmDBOUJNQBDUPOUIF$PNQBOZ
Tanggungan defendant
22 Perdata Gugatan bank bjb selaku Mahkamah Agung/Supreme Court 5JEBLUFSEBQBUEBNQBLZBOHTJHOJmLBOUFSIBEBQ
Civil permasalahan tergugat Kasasi dari Pihak Penggugat Perseroan
terkait pailit bank bjb as Cassation of Party Plaintiff 5IFSFJTOPTJHOJmDBOUJNQBDUPOUIF$PNQBOZ
PT. Nincec defendant
23 Perdata Gugatan bank bjb selaku Pengadilan Tinggi/High Court 5JEBLUFSEBQBUEBNQBLZBOHTJHOJmLBOUFSIBEBQ
Civil wanprestasi tergugat II Banding dari Pihak Tergugat I Perseroan
terkait bank bank bjb as The appeal of Defendant I 5IFSFJTOPTJHOJmDBOUJNQBDUPOUIF$PNQBOZ
garansi the second
defendant
Civil perbuatan tergugat I Tahap Pembuktian dari para pihak Perseroan
melawan hukum bank bjb as the 5IFSFJTOPTJHOJmDBOUJNQBDUPOUIF$PNQBOZ
Lawsuit on tort mSTUEFGFOEBO

Pendahuluan
Laporan Manajemen
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AKSES INFORMASI DATA PERUSAHAAN

ACCESS TO COMPANY INFORMATION
Dalam upaya memberikan informasi yang transparan kepada In the effort to provide transparent information to the public
publik berkaitan dengan perkembangan dan pelaksanaan relating to the development and implementation of bank
pengelolaan usaha Bank serta demi menjalankan program bjb’s business management and to perform marketing
komunikasi pemasaran, di tahun 2014 bank bjb telah communications program, in the year 2014 the Company
menggunakan beragam perangkat untuk menyampaikan has used various devices to convey important information
informasi penting yang perlu diketahui para pemangku needed to know by the stakeholders:
kepentingan diantaranya melalui:
1. website www.bankbjb.co.id 1. website www.bankbjb.co.id
2. bjb call 14049 2. bjb call 14049
3. Korespondesi Surat 3. Correspondent Letter
@infobankbjb @infobankbjb
bankbjbPGmDJBM bankbjbPGmDJBM
Menara bank bjb Menara bank bjb

Jl. Naripan No. 12-14 Jl. Naripan No. 12-14
Bandung Bandung
Telp: 022-4234868 (hunting) Telp: 022-4234868 (hunting)
Fax: 022-4206099 Fax: 022-4206099
Korespondensi dengan Otoritas Pasar Modal Correspondence with the Capital Market Authority
Berikut adalah daftar laporan yang disampaikan kepada The following is a list of reports submitted to regulators as well
regulator maupun Self Regulatory Organization (SRO) selama as Self Regulator Organization for the year 2014:
tahun 2014:
Tanggal No. Surat Perihal Rujukan/Ketentuan
Date Letter Number Subject Reference
Laporan Hasil Pemeringkatan INSIDENTIL
9 Januari 2014 2314/CS-IR/2014 OJK - BEI - KSEI/FSA - IDX - ICSD
Reports Results Ranking INCIDENTAL
16 Januari 2014 71C/CS-IR/2014 Keterbukaan Informasi Pemegang Saham Tertentu OJK - BEI/FSA - IDX
Keterbukaan Informasi Pemegang Saham Tertentu
16 Januari 2014 71D/CS-IR/2014 OJK - BEI /FSA - IDX
Disclosure Certain Shareholders
16 Januari 2014 71E/CS-IR/2014 OJK - BEI /FSA - IDX
16 Januari 2014 71A/CS-IR/2014 OJK - BEI/FSA - IDX
16 Januari 2014 71B/CS/IR/2014 OJK - BEI/FSA - IDX
Keterbukaan Informasi Yang Perlu Diketahui Publik Surat BEI No. 00188/BEI.
11+1FOZBNQBJBOJOGPSNBTJUFSLBJUCFMVNBEBOZBLFQVUVTBOIBTJMmU
proper test a/n Bpk Djamal Muslim dari BI/OJK
21 Januari 2014 0091/CS-IR/2014 BEI/IDX
Disclosure Public Know IDX Letter No. 00188/BEI.PPJ/01-2014: The submission of
JOGPSNBUJPOSFMBUFEUPUIFBCTFODFPGBEFDJTJPOSFTVMUPGmUBOEQSPQFSUFTUBO
Mr. Jamal Muslims of BI / FSA
Pemberitahuan Rencana Rapat Umum Pemegang Saham Tahunan dan Luar OJK - BEI - KSEI - PEFINDO - Wali Amanat
24 Febuari 2014 081/DIR-CS/2014 Biasa (Bank Mega)/FSA - IDX -ICSD - PEFINDO -
Plan Notice of Annual General Meeting of Shareholders and Extraordinary Trustee - (Bank Mega)
OJK - BEI - KSEI - PEFINDO - Wali Amanat
Penyampaian Bukti Iklan Pemberitahuan RUPS
24 Febuari 2014 081a/DIR-CS/2014 (Bank Mega)/FSA - IDX -ICSD - PEFINDO -
Submission of Advertisement Notice AGM
Trustee - (Bank Mega)
Penyampaian Bukti Iklan Informasi Penggantian Penunjukan Corporate Secretary
26 Febuari 2014 091/DIR-CS/2014 Submission of Advertisement Replacement Information Appointment of Corporate OJK - BEI/FSA - IDX
Secretary
Perubahan Corporate Secretary
26 Febuari 2014 091A/DIR-CS/2014 OJK - BEI/FSA - IDX
Changes in Corporate Secretary
Penyampaian Bukti Iklan Hasil RUPS
7 Maret 2014 361a/DIR-CS/2014 (Bank Mega)/FSA - IDX -ICSD - PEFINDO -
Submission of Advertisement Results AGM
Laporan Bulanan Registrasi Pemegang Efek
9 Maret 2014 2336/CS-IR/2014 OJK - BEI/FSA - IDX
Monthly Register of Securities Holders

Introduction
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Corporate Data
557

Panggilan Rapat Umum Pemegang Saham Tahunan dan Luar Biasa
12 Maret 2014 606/DIR-CS/2014 (Bank Mega)/FSA - IDX -ICSD - PEFINDO -
Calls General Meeting of Shareholders and Extraordinary
Penyampaian Bukti Iklan Panggilan RUPS
Submission of AGM Call Ads
Keterbukaan Informasi Yang Perlu Diketahui Publik Perubahan Penggunaan Dana
Hasil Penawaran Umum dari yang telah Ditetapkan dalam Prospektus
14 Maret 2014 186/DIR-CS/2014 BEI/IDX
Disclosure Public Know Changes in Use of Proceeds from the Public Offering
1SPTQFDUVTIBT%FmOFE
Hasil Rapat Umum Para Pemegang Saham Tahunan dan Luar Biasa
27 Maret 2014 154/DIR-CS/2014 (Bank Mega)/FSA - IDX -ICSD - PEFINDO -
The General Meeting of Shareholders and Extraordinary
Jadwal Dividen Tunai
27 Maret 2014 154b/DIR-CS/2014 (Bank Mega)/FSA - IDX -ICSD - PEFINDO -
Schedule of Cash Dividend
27 Maret 2014 0884/CS-IR/2014 OJK - BEI/FSA - IDX
27 Maret 2014 0884a/CS-IR/2014 OJK - BEI/FSA - IDX
27 Maret 2014 0884b/CS-IR/2014 OJK - BEI/FSA - IDX
27 Maret 2014 0884c/CS-IR/2014 OJK - BEI/FSA - IDX
27 Maret 2014 0884d/CS-IR/2014 OJK - BEI/FSA - IDX
27 Maret 2014 0884e/CS-IR/2014 OJK - BEI/FSA - IDX
12 April 2014 2994/CS-IR/204 OJK - BEI - KSEI/FSA - IDX - ICSD
Penyampaian Laporan Keuangan Interim
30 April 2014 215a/CS-IR/2014 OJK - BEI/FSA - IDX
Submission of Interim Financial Statements
Penyampaian Bukti Iklan Informasi Laporan Keuangan Interim
30 April 2014 215/DIR-CS OJK - BEI/FSA - IDX
Submission of Interim Financial Statements Information Advertising
3 Mei 2014 0629/CS/2014 OJK - BEI/FSA - IDX
11 Mei 2014 2795/CS-IR/2014 OJK - BEI/FSA - IDX
Pemberitahuan Rencana Rapat Umum Pemegang Saham Luar Biasa
26 Mei 2014 281/DIR-CS/2014 (Bank Mega)/FSA - IDX -ICSD - PEFINDO -
/PUJmDBUJPO1MBO(FOFSBM.FFUJOH&YUSBPSEJOBSZ4IBSFIPMEFST
Keterbukaan Informasi Yang Perlu Diketahui Publik Jawaban Permintaan
Penjelasan Bursa Efek Indonesia No. S-02005/BEI.PG2/05-2014
28 Mei 2014 290/DIR-CS/2014 BEI/IDX
Disclosure Public Know Request Explanation Answer Indonesia Stock Exchange
No. S-02005 / BEI.PG2 / 05-2014
Keterbukaan Informasi Yang Perlu Diketahui Publik Jawaban Penjelasan atas
surat Bursa Efek Indonesia No. S-02005/BEI.PG2/05-2014
28 Mei 2014 290/DIR-CS/2014 OJK - BEI - KSEI/FSA - IDX - ICSD
Keterbukaan Informasi Yang Perlu Diketahui Publik Jawaban Penjelasan atas
surat Bursa Efek Indonesia No. S-02005/BEI.PG2/05-2014
30 Mei 2014 287/DIR-CS/2014 (Bank Mega)/FSA - IDX -ICSD - PEFINDO -
30 Mei 2014 287a/DIR-CS/2014 (Bank Mega)/FSA - IDX -ICSD - PEFINDO -
1 Juni 2014 0023/CS-IR/2014 OJK - BEI/FSA - IDX
6 Juni 2014 1596/CS-IR/2014 OJK - BEI/FSA - IDX
Panggilan Rapat Umum Pemegang Saham Luar Biasa
16 Juni 2014 312/DIR-CS/2014 (Bank Mega)/FSA - IDX -ICSD - PEFINDO -
Calls General Meeting Extraordinary Shareholders
16 Juni 2014 312a/DIR-CS/2014 (Bank Mega)/FSA - IDX -ICSD - PEFINDO -
2 Juli 2014 282/CS/IR/2014 OJK - BEI/FSA - IDX

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO

Hasil Rapat Umum Para Pemegang Saham Luar Biasa
3 Juli 2014 361/DIR-CS/2014 (Bank Mega)/FSA - IDX -ICSD - PEFINDO -
Results of General Meeting The Extraordinary Shareholders
4 Juli 2014 0962/CS-IR/2014 OJK - BEI/FSA - IDX
7 Juli 2014 1862/CS-IR/2014 OJK - BEI/FSA - IDX
Keterbukaan Informasi Yang Perlu Diketahui Publik Laporan Penggunaan Dana
15 Juli 2014 377/DIR-CS/2014 Hasil Penawaran Umum OJK - BEI/FSA - IDX
Disclosure of Public Know Reports Use of Proceeds from Public Offering
24 Juli 2014 407a/DIR-CS/2014 OJK - BEI/FSA - IDX
24 Juli 2014 407/DIR-CS/2014 OJK - BEI/FSA - IDX
4 Agustus 2014 0884F/CS-IR/2014 OJK - BEI/FSA - IDX
4 Agustus 2014 0884G/CS-IR/2014 OJK - BEI/FSA - IDX
4 Agustus 2014 0884H/CS-IR/2014 OJK - BEI/FSA - IDX
4 Agustus 2014 0884I/CS-IR/2014 OJK - BEI/FSA - IDX
5 Agustus 2014 1290/CS-IR/2014 OJK - BEI/FSA - IDX
Keterbukaan Informasi Yang Perlu Diketahui Publik Perubahan Penggunaan Dana
Hasil Penawaran Umum dari yang telah Ditetapkan dalam Prospektus
1 September 2014 011/DIR-CS/2014 OJK - BEI/FSA - IDX
Disclosure Public Know Changes in Use of Proceeds from the Public Offering
1SPTQFDUVTIBT%FmOFE
8 September 2014 2341/CS-IR/2014 OJK - BEI/FSA - IDX
Keterbukaan Informasi Yang Perlu Diketahui Publik Laporan Penggunaan Dana
10 September 2014 525/CS-DIR/2014 Hasil Penawaran Umum OJK - BEI/FSA - IDX
Disclosure of Public Know Reports Use of Proceeds from Public Offering
Laporan Hasil Pemeringkatan TAHUNAN
11 Oktober 2014 2815/CS-IR/2014 OJK - BEI/FSA - IDX
Ranking Results Annual Reports
Keterbukaan Informasi Yang Perlu Diketahui Publik Jawaban Permintaan
Penjelasan Bursa Efek Indonesia Surat No. S-05196/BEI.PG2/10.2014
11 Oktober 2014 2829/CS-IR/2014 BEI/IDX
Disclosure Public Know Request Explanation Answer Indonesia Stock Exchange
Letter No. S-05 196 / BEI.PG2 / 10.2014
27 Okrober 2014 562/DIR-CS/2014 (Bank Mega)/FSA - IDX -ICSD - PEFINDO -
27 Okrober 2014 562a/CS-IR/2014 (Bank Mega)/FSA - IDX -ICSD - PEFINDO -
29 Oktober 2014 564a/DIR-CS/2014 OJK - BEI/FSA - IDX
29 Oktober 2014 564/DIR-CS/2014 OJK - BEI/FSA - IDX
Penyampaian Laporan Keuangan Interim (KOREKSI)
29 Oktober 2014 564b/DIR-CS/2014 OJK - BEI/FSA - IDX
Submission of Interim Financial Statements (CORRECTION)
Keterbukaan Informasi Yang Perlu Diketahui Publik Pemindahan Alamat Kantor
Cabang Mangga Dua Menjadi beralamat di Jl. Gajahmada No.86A & B Jakarta
29 Oktober 2014 2727/CS-IR/2014 BEI/IDX
Disclosure of Public Know Change of Address Branch Mangga Dua Being located
at Jl. Gajahmada No.86A & B Jakarta
2 November 2014 0335/CS-IR/2014 OJK - BEI/FSA - IDX
2 November 2014 0335a/CS-IR/2014 OJK - BEI/FSA - IDX
Penyampaian Laporan Keuangan Tahunan
3 November 2014 099/DIR-C/2014 OJK - BEI/FSA - IDX
Submission of Annual Financial Statements
Panggilan Rapat Umum Pemegang Saham Tahunan dan Luar Biasa
3 November 2014 098/DIR-CS/2014 (Bank Mega)/FSA - IDX -ICSD - PEFINDO -
Calls General Meeting of Shareholders and Extraordinary
3 November 2014 098a/DIR-CS/2014 (Bank Mega)/FSA - IDX -ICSD - PEFINDO -
Penyampaian Bukti Iklan Informasi Laporan Keuangan Tahunan
3 November 2014 099a/DIR-CS/2014 OJK - BEI
Submission of Advertisement Information Annual Financial Statements
Penyampaian laporan tahunan
3 November 2014 100/DIR-CS/2014 OJK - BEI
Submission of annual reports

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
559

Keterbukaan Informasi Yang Perlu Diketahui Publik Ralat Pemberitahun Rapat
Umum Pemegang Saham Luar Biasa (RUPSLB)
11 November 2014 582a/DIR-CS/2014 OJK - BEI
Disclosure Public Know the notice Correction General Meeting Extraordinary
Shareholders (EGM)
Penyampaian Bukti Iklan Lainnya
11 November 2014 582/DIR-CS/2014 OJK - BEI
Submission of Advertisement Other
Penyampaian laporan tahunan
3 Desember 2014 100a/DIR-CS/2014 OJK - BEI
Submission of annual reports
Keterbukaan Informasi Yang Perlu Diketahui Publik Pemberitahuan Hasil Penilaian
5 Desember 2014 253/DIR-CS/2014 Kemampuan dan Kepatutan BEI/IDX
Disclosure Notice of Public Know Fit and Proper Test Results
Hasil Rapat Umum Para Pemegang Saham Luar Biasa
22 Desember 2014 650 /DIR-CS/2014 (Bank Mega)/FSA - IDX -ICSD - PEFINDO -
Results of General Meeting The Extraordinary Shareholders
22 Desember 2014 650a/DIR-CS/2014 (Bank Mega)/FSA - IDX -ICSD - PEFINDO -
Korespondensi dengan Pemegang Saham Korespondensi dengan Pemegang Saham
Berikut adalah daftar laporan yang disampaikan kepada Berikut adalah daftar laporan yang disampaikan kepada
Pemegang Saham selama tahun 2014: Pemegang Saham selama tahun 2014:
Pemberitahuan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Gubernur Jawa Barat/
24 Februari 2014 081/DIR-CS/2014
Notice of Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014 Governor of West Java
Pemberitahuan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Walikota Bandung/
Notice of Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014 Major of Bandung
Pemberitahuan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Walikota Cimahi/
Notice of Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014 Major of Cimahi
Pemberitahuan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Walikota Depok/
Notice of Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014 Major of Depok
Pemberitahuan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Walikota Tasikmalaya/
Notice of Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014 Major of Tasikmalaya
Pemberitahuan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Walikota Bekasi/
Notice of Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014 Major of Bekasi
Pemberitahuan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Walikota Bogor/
Notice of Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014 Major of Bogor
Pemberitahuan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Walikota Banjar/
Notice of Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014 Major of Banjar
Pemberitahuan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Walikota Sukabumi/
Notice of Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014 Major of Sukabumi
Pemberitahuan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Walikota Cirebon/
Notice of Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014 Major of Cirebon
Pemberitahuan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Bupati Bandung/
Notice of Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014 Regent of Bandung
Pemberitahuan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Bupati Bogor/
Notice of Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014 Regent of Bogor
Pemberitahuan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Bupati Tasikmalaya/
Notice of Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014 Regent of Tasikmalaya
Pemberitahuan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Bupati Cianjur/
Notice of Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014 Regent of Cianjur
Pemberitahuan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Bupati Indramayu/
Notice of Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014 Regent of Indramayu
Pemberitahuan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Bupati Sukabumi/
Notice of Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014 Regent of Sukabumi
Pemberitahuan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Bupati Bekasi/
Notice of Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014 Regent of Bekasi
Pemberitahuan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Bupati Karawang/
Notice of Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014 Regent of Karawang

Pendahuluan
Laporan Manajemen
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Pemberitahuan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Bupati Cirebon/
Notice of Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014 Regent of Cirebon
Pemberitahuan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Bupati Purwakarta/
Notice of Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014 Regent of Purwakarta
Pemberitahuan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Bupati Sumedang/Regent
Notice of Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014 of Sumedang
Pemberitahuan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Bupati Subang/
Notice of Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014 Regent of Subang
Pemberitahuan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Bupati Majalengka/Regent
Notice of Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014 of Majalengka
Pemberitahuan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Bupati Ciamis/
Notice of Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014 Regent of Ciamis
Pemberitahuan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Bupati Kuningan/
Notice of Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014 Regent of Kuningan
Pemberitahuan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Bupati Garut/
Notice of Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014 Regent of Garut
Pemberitahuan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Gubernur Banten/
Notice of Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014 Governor of Banten
Pemberitahuan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Walikota Tangerang/
Notice of Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014 Major of Tangerang
Pemberitahuan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Walikota Cilegon/
Notice of Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014 Major of Cilegon
Pemberitahuan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Bupati Tangerang/
Notice of Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014 Regent of Tangerang
Pemberitahuan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Bupati Serang/
Notice of Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014 Regent of Serang
Pemberitahuan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Bupati Pandeglang/
Notice of Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014 Regent of Pandeglang
Pemberitahuan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Bupati Lebak/
Notice of Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014 Regent of Lebak
Panggilan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Gubernur Jawa Barat/
12 Maret 2014 606/DIR-CS/2014
Call Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014 Governor of West Java
Panggilan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Walikota Bandung/Major of
12 Maret 2014 606/DIR-CS/2014
Call Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014 Bandung
Panggilan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Walikota Cimahi/Major of
12 Maret 2014 606/DIR-CS/2014
Call Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014 Cimahi
Panggilan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Walikota Depok/Major of
12 Maret 2014 606/DIR-CS/2014
Call Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014 Depok
Panggilan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Walikota Tasikmalaya/
12 Maret 2014 606/DIR-CS/2014
Call Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014 Major of Tasikmalaya
Panggilan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Walikota Bekasi/
12 Maret 2014 606/DIR-CS/2014
Call Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014 Major of Bekasi
Panggilan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Walikota Bogor/
12 Maret 2014 606/DIR-CS/2014
Call Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014 Major of Bogor
Panggilan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Walikota Banjar/
12 Maret 2014 606/DIR-CS/2014
Call Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014 Major of Cilegon
Panggilan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Walikota Sukabumi/
12 Maret 2014 606/DIR-CS/2014
Call Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014 Major of Sukabumi
Panggilan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Walikota Cirebon/
12 Maret 2014 606/DIR-CS/2014
Call Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014 Major of Cirebon
Panggilan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Bupati Bandung/
12 Maret 2014 606/DIR-CS/2014
Call Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014 Regent of Lebak
Panggilan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Bupati Bogor/
12 Maret 2014 606/DIR-CS/2014
Call Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014 Regent of Bogor
Panggilan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Bupati Tasikmalaya/
12 Maret 2014 606/DIR-CS/2014
Call Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014 Regent of Tasikmalaya

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
561

Panggilan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Bupati Cianjur/
12 Maret 2014 606/DIR-CS/2014
Call Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014 Regent of Cianjur
Panggilan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Bupati Indramayu/
12 Maret 2014 606/DIR-CS/2014
Call Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014 Regent of Indramayu
Panggilan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Bupati Sukabumi/
12 Maret 2014 606/DIR-CS/2014
Call Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014 Regent of Sukabumi
Panggilan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Bupati Bekasi/
12 Maret 2014 606/DIR-CS/2014
Call Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014 Regent of Bekasi
Panggilan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Bupati Karawang/
12 Maret 2014 606/DIR-CS/2014
Call Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014 Regent of Karawang
Panggilan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Bupati Cirebon/
12 Maret 2014 606/DIR-CS/2014
Call Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014 Regent of Cirebon
Panggilan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Bupati Purwakarta/
12 Maret 2014 606/DIR-CS/2014
Call Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014 Regent of Purwakarta
Panggilan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Bupati Sumedang/
12 Maret 2014 606/DIR-CS/2014
Call Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014 Regent of Sumedang
Panggilan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Bupati Subang/
12 Maret 2014 606/DIR-CS/2014
Call Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014 Regent of Subang
Panggilan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Bupati Majalengka/
12 Maret 2014 606/DIR-CS/2014
Call Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014 Regent of Majalengka
Panggilan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Bupati Ciamis/
12 Maret 2014 606/DIR-CS/2014
Call Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014 Regent of Ciamis
Panggilan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Bupati Kuningan/
12 Maret 2014 606/DIR-CS/2014
Call Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014 Regent of Kuningan
Panggilan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Bupati Garut/
12 Maret 2014 606/DIR-CS/2014
Call Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014 Regent of Garut
Panggilan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Gubernur Banten/
12 Maret 2014 606/DIR-CS/2014
Call Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014 Governor of Banten
Panggilan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Walikota Tangerang/
12 Maret 2014 606/DIR-CS/2014
Call Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014 Major of Tangerang
Panggilan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Walikota Cilegon/
12 Maret 2014 606/DIR-CS/2014
Call Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014 Major of Cilegon
Panggilan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Walikota Tangerang/
12 Maret 2014 606/DIR-CS/2014
Call Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014 Major of Tangerang
Panggilan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Bupati Serang/
12 Maret 2014 606/DIR-CS/2014
Call Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014 Regent of Serang
Panggilan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Bupati Pandeglang/
12 Maret 2014 606/DIR-CS/2014
Call Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014 Regent of Pandeglang
Panggilan Rapat Umum Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 Bupati Lebak/
12 Maret 2014 606/DIR-CS/2014
Call Annual General Meeting of Shareholders for Fiscal Year 2013 and the Extraordinary 2014 Regent of Lebak
Hasil Rapat Umum Para Pemegang Saham Tahunan Tahun Buku 2013 dan Luar Biasa 2014 dan
Pengumuman Pembagian Dividen Tahun Buku 2013 Gubernur Jawa Barat/
27 Maret 2014 154/DIR-CS/2014
General Meeting of Shareholders The Fiscal Year 2013 and 2014 and the Extraordinary Dividend Governor of West Java
Announcement for Fiscal Year 2013
Pengumuman Pembagian Dividen Tahun Buku 2013 Walikota Bandung/
27 Maret 2014 154/DIR-CS/2014
General Meeting of Shareholders The Fiscal Year 2013 and 2014 and the Extraordinary Dividend Major of Bandung
Pengumuman Pembagian Dividen Tahun Buku 2013 Walikota Cimahi/
27 Maret 2014 154/DIR-CS/2014
General Meeting of Shareholders The Fiscal Year 2013 and 2014 and the Extraordinary Dividend Major of Cimahi
Pengumuman Pembagian Dividen Tahun Buku 2013 Walikota Depok/Major of
27 Maret 2014 154/DIR-CS/2014
General Meeting of Shareholders The Fiscal Year 2013 and 2014 and the Extraordinary Dividend Depok
Pengumuman Pembagian Dividen Tahun Buku 2013 Walikota Tasikmalaya/Major
27 Maret 2014 154/DIR-CS/2014
General Meeting of Shareholders The Fiscal Year 2013 and 2014 and the Extraordinary Dividend of Tasikmalaya

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO

Pengumuman Pembagian Dividen Tahun Buku 2013 Walikota Bekasi/
27 Maret 2014 154/DIR-CS/2014
General Meeting of Shareholders The Fiscal Year 2013 and 2014 and the Extraordinary Dividend Regent of Tasikmalaya
Pengumuman Pembagian Dividen Tahun Buku 2013 Walikota Bogor/
27 Maret 2014 154/DIR-CS/2014
Pengumuman Pembagian Dividen Tahun Buku 2013 Walikota Banjar/
27 Maret 2014 154/DIR-CS/2014
General Meeting of Shareholders The Fiscal Year 2013 and 2014 and the Extraordinary Dividend Major of Banjar
Pengumuman Pembagian Dividen Tahun Buku 2013 Walikota Sukabumi/
27 Maret 2014 154/DIR-CS/2014
General Meeting of Shareholders The Fiscal Year 2013 and 2014 and the Extraordinary Dividend Major of Sukabumi
Pengumuman Pembagian Dividen Tahun Buku 2013 Walikota Cirebon/
27 Maret 2014 154/DIR-CS/2014
General Meeting of Shareholders The Fiscal Year 2013 and 2014 and the Extraordinary Dividend Major of Cirebon
Pengumuman Pembagian Dividen Tahun Buku 2013 Bupati Bandung/
27 Maret 2014 154/DIR-CS/2014
General Meeting of Shareholders The Fiscal Year 2013 and 2014 and the Extraordinary Dividend Regent of Bandung
Pengumuman Pembagian Dividen Tahun Buku 2013 Bupati Bogor/
27 Maret 2014 154/DIR-CS/2014
General Meeting of Shareholders The Fiscal Year 2013 and 2014 and the Extraordinary Dividend Regent of Bogor
Pengumuman Pembagian Dividen Tahun Buku 2013 Bupati Tasikmalaya/
27 Maret 2014 154/DIR-CS/2014
Pengumuman Pembagian Dividen Tahun Buku 2013 Bupati Cianjur/
27 Maret 2014 154/DIR-CS/2014
General Meeting of Shareholders The Fiscal Year 2013 and 2014 and the Extraordinary Dividend Regent of Cianjur
Pengumuman Pembagian Dividen Tahun Buku 2013 Bupati Indramayu/
27 Maret 2014 154/DIR-CS/2014
General Meeting of Shareholders The Fiscal Year 2013 and 2014 and the Extraordinary Dividend Regent of Indramayu
Pengumuman Pembagian Dividen Tahun Buku 2013 Bupati Sukabumi/
27 Maret 2014 154/DIR-CS/2014
General Meeting of Shareholders The Fiscal Year 2013 and 2014 and the Extraordinary Dividend Regent of Sukabumi
Pengumuman Pembagian Dividen Tahun Buku 2013 Bupati Bekasi/
27 Maret 2014 154/DIR-CS/2014
General Meeting of Shareholders The Fiscal Year 2013 and 2014 and the Extraordinary Dividend Regent of Bekasi
Pengumuman Pembagian Dividen Tahun Buku 2013 Bupati Karawang/
27 Maret 2014 154/DIR-CS/2014
General Meeting of Shareholders The Fiscal Year 2013 and 2014 and the Extraordinary Dividend Regent of Karawang
Pengumuman Pembagian Dividen Tahun Buku 2013 Bupati Cirebon/
27 Maret 2014 154/DIR-CS/2014
General Meeting of Shareholders The Fiscal Year 2013 and 2014 and the Extraordinary Dividend Regent of Cirebon
Pengumuman Pembagian Dividen Tahun Buku 2013 Bupati Purwakarta/
27 Maret 2014 154/DIR-CS/2014
General Meeting of Shareholders The Fiscal Year 2013 and 2014 and the Extraordinary Dividend Regent of Purwakarta
Pengumuman Pembagian Dividen Tahun Buku 2013 Bupati Sumedang/
27 Maret 2014 154/DIR-CS/2014
General Meeting of Shareholders The Fiscal Year 2013 and 2014 and the Extraordinary Dividend Regent of Sumedang

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
563

Pengumuman Pembagian Dividen Tahun Buku 2013 Bupati Subang/
27 Maret 2014 154/DIR-CS/2014
General Meeting of Shareholders The Fiscal Year 2013 and 2014 and the Extraordinary Dividend Regent of Subang
Pengumuman Pembagian Dividen Tahun Buku 2013 Bupati Majalengka/
27 Maret 2014 154/DIR-CS/2014
General Meeting of Shareholders The Fiscal Year 2013 and 2014 and the Extraordinary Dividend Regent of Majalengka
Pengumuman Pembagian Dividen Tahun Buku 2013 Bupati Ciamis/
27 Maret 2014 154/DIR-CS/2014
General Meeting of Shareholders The Fiscal Year 2013 and 2014 and the Extraordinary Dividend Regent of Ciamis
Pengumuman Pembagian Dividen Tahun Buku 2013 Bupati Kuningan/
27 Maret 2014 154/DIR-CS/2014
General Meeting of Shareholders The Fiscal Year 2013 and 2014 and the Extraordinary Dividend Regent of Kuningan
Pengumuman Pembagian Dividen Tahun Buku 2013 Bupati Garut/
27 Maret 2014 154/DIR-CS/2014
General Meeting of Shareholders The Fiscal Year 2013 and 2014 and the Extraordinary Dividend Regent of Garut
Pengumuman Pembagian Dividen Tahun Buku 2013 Gubernur Banten/
27 Maret 2014 154/DIR-CS/2014
General Meeting of Shareholders The Fiscal Year 2013 and 2014 and the Extraordinary Dividend Governor of Banten
Pengumuman Pembagian Dividen Tahun Buku 2013 Walikota Tangerang/
27 Maret 2014 154/DIR-CS/2014
General Meeting of Shareholders The Fiscal Year 2013 and 2014 and the Extraordinary Dividend Major of Tangerang
Pengumuman Pembagian Dividen Tahun Buku 2013 Walikota Cilegon/
27 Maret 2014 154/DIR-CS/2014
General Meeting of Shareholders The Fiscal Year 2013 and 2014 and the Extraordinary Dividend Major of Cilegon
Pengumuman Pembagian Dividen Tahun Buku 2013 Bupati Tangerang/
27 Maret 2014 154/DIR-CS/2014
General Meeting of Shareholders The Fiscal Year 2013 and 2014 and the Extraordinary Dividend Regent of Tangerang
Pengumuman Pembagian Dividen Tahun Buku 2013 Bupati Serang/
27 Maret 2014 154/DIR-CS/2014
General Meeting of Shareholders The Fiscal Year 2013 and 2014 and the Extraordinary Dividend Regent of Serang
Pengumuman Pembagian Dividen Tahun Buku 2013 Bupati Pandeglang/
27 Maret 2014 154/DIR-CS/2014
General Meeting of Shareholders The Fiscal Year 2013 and 2014 and the Extraordinary Dividend Regent of Pandeglang
Pengumuman Pembagian Dividen Tahun Buku 2013 Bupati Lebak/
27 Maret 2014 154/DIR-CS/2014
General Meeting of Shareholders The Fiscal Year 2013 and 2014 and the Extraordinary Dividend Regent of Lebak
Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Gubernur Jawa Barat/
30 Mei 2014 287/DIR-CS/2014
Meeting Notice of Extraordinary General Shareholders 2014 Governor of West Java
Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Walikota Bandung/
30 Mei 2014 287/DIR-CS/2014
Meeting Notice of Extraordinary General Shareholders 2014 Major of Bandung
Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Walikota Cimahi/
30 Mei 2014 287/DIR-CS/2014
Meeting Notice of Extraordinary General Shareholders 2014 Major of Cimahi
Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Walikota Depok/
30 Mei 2014 287/DIR-CS/2014
Meeting Notice of Extraordinary General Shareholders 2014 Major of Depok
Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Walikota Tasikmalaya/
30 Mei 2014 287/DIR-CS/2014
Meeting Notice of Extraordinary General Shareholders 2014 Major of Tasikmalaya
Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Walikota Bekasi/
30 Mei 2014 287/DIR-CS/2014
Meeting Notice of Extraordinary General Shareholders 2014 Major of Bekasi
Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Walikota Bogor/
30 Mei 2014 287/DIR-CS/2014
Meeting Notice of Extraordinary General Shareholders 2014 Major of Bogor
Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Walikota Banjar/
30 Mei 2014 287/DIR-CS/2014
Meeting Notice of Extraordinary General Shareholders 2014 Major of Banjar

Pendahuluan
Laporan Manajemen
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Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Walikota Sukabumi/
30 Mei 2014 287/DIR-CS/2014
Meeting Notice of Extraordinary General Shareholders 2014 Major of Sukabumi
Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Walikota Cirebon/
30 Mei 2014 287/DIR-CS/2014
Meeting Notice of Extraordinary General Shareholders 2014 Major of Cirebon
Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Bupati Bandung/
30 Mei 2014 287/DIR-CS/2014
Meeting Notice of Extraordinary General Shareholders 2014 Regent of Bandung
Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Bupati Bogor/
30 Mei 2014 287/DIR-CS/2014
Meeting Notice of Extraordinary General Shareholders 2014 Regent of Bogor
Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Bupati Tasikmalaya/
30 Mei 2014 287/DIR-CS/2014
Meeting Notice of Extraordinary General Shareholders 2014 Regent of Tasikmalaya
Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Bupati Cianjur/
30 Mei 2014 287/DIR-CS/2014
Meeting Notice of Extraordinary General Shareholders 2014 Regent of Cianjur
Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Bupati Indramayu/
30 Mei 2014 287/DIR-CS/2014
Meeting Notice of Extraordinary General Shareholders 2014 Regent of Indramayu
Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Bupati Sukabumi/
30 Mei 2014 287/DIR-CS/2014
Meeting Notice of Extraordinary General Shareholders 2014 Regent of Sukabumi
Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014

Bupati Bekasi/
30 Mei 2014 287/DIR-CS/2014 Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014
Regent of Bekasi
Meeting Notice of Extraordinary General Shareholders 2014
Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Bupati Karawang/
30 Mei 2014 287/DIR-CS/2014
Meeting Notice of Extraordinary General Shareholders 2014 Regent of Karawang
Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Bupati Cirebon/
30 Mei 2014 287/DIR-CS/2014
Meeting Notice of Extraordinary General Shareholders 2014 Regent of Cirebon
Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Bupati Purwakarta/
30 Mei 2014 287/DIR-CS/2014
Meeting Notice of Extraordinary General Shareholders 2014 Regent of Purwakarta
Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Bupati Sumedang/
30 Mei 2014 287/DIR-CS/2014
Meeting Notice of Extraordinary General Shareholders 2014 Regent of Sumedang
Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Bupati Subang/
30 Mei 2014 287/DIR-CS/2014
Meeting Notice of Extraordinary General Shareholders 2014 Regent of Subang
Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Bupati Majalengka/
30 Mei 2014 287/DIR-CS/2014
Meeting Notice of Extraordinary General Shareholders 2014 Regent of Majalengka
Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Bupati Ciamis/
30 Mei 2014 287/DIR-CS/2014
Meeting Notice of Extraordinary General Shareholders 2014 Regent of Ciamis
Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Bupati Kuningan/
30 Mei 2014 287/DIR-CS/2014
Meeting Notice of Extraordinary General Shareholders 2014 Regent of Kuningan
Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Bupati Garut/
30 Mei 2014 287/DIR-CS/2014
Meeting Notice of Extraordinary General Shareholders 2014 Regent of Garut
Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Gubernur Banten/
30 Mei 2014 287/DIR-CS/2014
Meeting Notice of Extraordinary General Shareholders 2014 Governor of Banten
Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Walikota Tangerang/
30 Mei 2014 287/DIR-CS/2014
Meeting Notice of Extraordinary General Shareholders 2014 Major of Tangerang
Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Walikota Cilegon/
30 Mei 2014 287/DIR-CS/2014
Meeting Notice of Extraordinary General Shareholders 2014 Major of Cilegon
Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Bupati Tangerang/
30 Mei 2014 287/DIR-CS/2014
Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Bupati Serang/
30 Mei 2014 287/DIR-CS/2014
Meeting Notice of Extraordinary General Shareholders 2014 Regent of Serang
Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Bupati Pandeglang/
30 Mei 2014 287/DIR-CS/2014
Meeting Notice of Extraordinary General Shareholders 2014 Regent of Pandeglang
Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Bupati Lebak/
30 Mei 2014 287/DIR-CS/2014
Meeting Notice of Extraordinary General Shareholders 2014 Regent of Lebak
Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Gubernur Jawa Barat/
16 Juni 2014 312/DIR-CS/2014
Calls General Meeting Extraordinary Shareholders 2014 Governor of West Java
Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Walikota Bandung/
16 Juni 2014 312/DIR-CS/2014
Calls General Meeting Extraordinary Shareholders 2014 Major of Bandung
Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Walikota Cimahi/
16 Juni 2014 312/DIR-CS/2014
Calls General Meeting Extraordinary Shareholders 2014 Major of Cimahi

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
565

Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Walikota Depok/
16 Juni 2014 312/DIR-CS/2014
Calls General Meeting Extraordinary Shareholders 2014 Major of Depok
Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Walikota Tasikmalaya/
16 Juni 2014 312/DIR-CS/2014
Calls General Meeting Extraordinary Shareholders 2014 Major of Tasikmalaya
Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Walikota Bekasi/
16 Juni 2014 312/DIR-CS/2014
Calls General Meeting Extraordinary Shareholders 2014 Major of Bekasi
Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Walikota Bogor/
16 Juni 2014 312/DIR-CS/2014
Calls General Meeting Extraordinary Shareholders 2014 Major of Bogor
Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Walikota Banjar/
16 Juni 2014 312/DIR-CS/2014
Calls General Meeting Extraordinary Shareholders 2014 Major of Banjar
Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Walikota Sukabumi/
16 Juni 2014 312/DIR-CS/2014
Calls General Meeting Extraordinary Shareholders 2014 Major of Sukabumi
Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Walikota Cirebon/
16 Juni 2014 312/DIR-CS/2014
Calls General Meeting Extraordinary Shareholders 2014 Major of Cirebon
Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Bupati Bandung/
16 Juni 2014 312/DIR-CS/2014
Calls General Meeting Extraordinary Shareholders 2014 Regent of Bandung
Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Bupati Bogor/
16 Juni 2014 312/DIR-CS/2014
Calls General Meeting Extraordinary Shareholders 2014 Regent of Bogor
Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Bupati Tasikmalaya/
16 Juni 2014 312/DIR-CS/2014
Calls General Meeting Extraordinary Shareholders 2014 Regent of Tasikmalaya
Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Bupati Cianjur/
16 Juni 2014 312/DIR-CS/2014
Calls General Meeting Extraordinary Shareholders 2014 Regent of Cianjur
Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Bupati Indramayu/
16 Juni 2014 312/DIR-CS/2014
Calls General Meeting Extraordinary Shareholders 2014 Regent of Indramayu
Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Bupati Sukabumi/
16 Juni 2014 312/DIR-CS/2014
Calls General Meeting Extraordinary Shareholders 2014 Regent of Sukabumi
Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Bupati Bekasi/
16 Juni 2014 312/DIR-CS/2014
Calls General Meeting Extraordinary Shareholders 2014 Regent of Bekasi
Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Bupati Karawang/
16 Juni 2014 312/DIR-CS/2014
Calls General Meeting Extraordinary Shareholders 2014 Regent of Karawang
Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Bupati Cirebon/
16 Juni 2014 312/DIR-CS/2014
Calls General Meeting Extraordinary Shareholders 2014 Regent of Cirebon
Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Bupati Purwakarta/
16 Juni 2014 312/DIR-CS/2014
Calls General Meeting Extraordinary Shareholders 2014 Regent of Purwakarta
Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Bupati Sumedang/
16 Juni 2014 312/DIR-CS/2014
Calls General Meeting Extraordinary Shareholders 2014 Regent of Sumedang
Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Bupati Subang/
16 Juni 2014 312/DIR-CS/2014
Calls General Meeting Extraordinary Shareholders 2014 Regent of Subang
Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Bupati Majalengka/
16 Juni 2014 312/DIR-CS/2014
Calls General Meeting Extraordinary Shareholders 2014 Regent of Majalengka
Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Bupati Ciamis/
16 Juni 2014 312/DIR-CS/2014
Calls General Meeting Extraordinary Shareholders 2014 Regent of Ciamis
Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Bupati Kuningan/
16 Juni 2014 312/DIR-CS/2014
Calls General Meeting Extraordinary Shareholders 2014 Regent of Kuningan
Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Bupati Garut/
16 Juni 2014 312/DIR-CS/2014
Calls General Meeting Extraordinary Shareholders 2014 Regent of Garut
Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Gubernur Banten/
16 Juni 2014 312/DIR-CS/2014
Calls General Meeting Extraordinary Shareholders 2014 Governor of Banten
Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Walikota Tangerang/
16 Juni 2014 312/DIR-CS/2014
Calls General Meeting Extraordinary Shareholders 2014 Major of Tangerang
Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Walikota Cilegon/
16 Juni 2014 312/DIR-CS/2014
Calls General Meeting Extraordinary Shareholders 2014 Major of Cilegon
Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Bupati Tangerang/
16 Juni 2014 312/DIR-CS/2014
Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Bupati Serang/
16 Juni 2014 312/DIR-CS/2014
Calls General Meeting Extraordinary Shareholders 2014 Regent of Serang

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO

Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Bupati Pandeglang/
16 Juni 2014 312/DIR-CS/2014
Calls General Meeting Extraordinary Shareholders 2014 Regent of Pandeglang
Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Bupati Lebak/
16 Juni 2014 312/DIR-CS/2014
Calls General Meeting Extraordinary Shareholders 2014 Regent of Lebak
Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Gubernur Jawa Barat/
3 Juli 2014 361/DIR-CS/2014
Results of General Meeting The Extraordinary Shareholders 2014 Governor of West Java
Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Walikota Bandung/
3 Juli 2014 361/DIR-CS/2014
Results of General Meeting The Extraordinary Shareholders 2014 Major of Bandung
Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Walikota Cimahi/
3 Juli 2014 361/DIR-CS/2014
Results of General Meeting The Extraordinary Shareholders 2014 Major of Cimahi
Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Walikota Depok/
3 Juli 2014 361/DIR-CS/2014
Results of General Meeting The Extraordinary Shareholders 2014 Major of Depok
Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Walikota Tasikmalaya/
3 Juli 2014 361/DIR-CS/2014
Results of General Meeting The Extraordinary Shareholders 2014 Major of Tasikmalaya
Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Walikota Bekasi/
3 Juli 2014 361/DIR-CS/2014
Results of General Meeting The Extraordinary Shareholders 2014 Major of Bekasi
Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Walikota Bogor/
3 Juli 2014 361/DIR-CS/2014
Results of General Meeting The Extraordinary Shareholders 2014 Major of Bogor
Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Walikota Banjar/
3 Juli 2014 361/DIR-CS/2014
Results of General Meeting The Extraordinary Shareholders 2014 Major of Banjar
Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Walikota Sukabumi/
3 Juli 2014 361/DIR-CS/2014
Results of General Meeting The Extraordinary Shareholders 2014 Major of Sukabumi
Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Walikota Cirebon/
3 Juli 2014 361/DIR-CS/2014
Results of General Meeting The Extraordinary Shareholders 2014 Major of Cirebon
Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Bupati Bandung/
3 Juli 2014 361/DIR-CS/2014
Results of General Meeting The Extraordinary Shareholders 2014 Regent of Bandung
Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Bupati Bogor/
3 Juli 2014 361/DIR-CS/2014
Results of General Meeting The Extraordinary Shareholders 2014 Regent of Bogor
Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Bupati Tasikmalaya/
3 Juli 2014 361/DIR-CS/2014
Results of General Meeting The Extraordinary Shareholders 2014 Regent of Tasikmalaya
Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Bupati Cianjur/
3 Juli 2014 361/DIR-CS/2014
Results of General Meeting The Extraordinary Shareholders 2014 Regent of Cianjur
Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Bupati Indramayu/
3 Juli 2014 361/DIR-CS/2014
Results of General Meeting The Extraordinary Shareholders 2014 Regent of Indramayu
Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Bupati Sukabumi/
3 Juli 2014 361/DIR-CS/2014
Results of General Meeting The Extraordinary Shareholders 2014 Regent of Sukabumi
Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Bupati Bekasi/
3 Juli 2014 361/DIR-CS/2014
Results of General Meeting The Extraordinary Shareholders 2014 Regent of Bekasi
Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Bupati Karawang/
3 Juli 2014 361/DIR-CS/2014
Results of General Meeting The Extraordinary Shareholders 2014 Regent of Karawang
Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Bupati Cirebon/
3 Juli 2014 361/DIR-CS/2014
Results of General Meeting The Extraordinary Shareholders 2014 Regent of Cirebon
Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Bupati Purwakarta/
3 Juli 2014 361/DIR-CS/2014
Results of General Meeting The Extraordinary Shareholders 2014 Regent of Purwakarta
Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Bupati Sumedang/
3 Juli 2014 361/DIR-CS/2014
Results of General Meeting The Extraordinary Shareholders 2014 Regent of Sumedang
Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Bupati Subang/
3 Juli 2014 361/DIR-CS/2014
Results of General Meeting The Extraordinary Shareholders 2014 Regent of Subang
Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Bupati Majalengka/
3 Juli 2014 361/DIR-CS/2014
Results of General Meeting The Extraordinary Shareholders 2014 Regent of Majalengka
Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Bupati Ciamis/
3 Juli 2014 361/DIR-CS/2014
Results of General Meeting The Extraordinary Shareholders 2014 Regent of Ciamis
Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Bupati Kuningan/
3 Juli 2014 361/DIR-CS/2014
Results of General Meeting The Extraordinary Shareholders 2014 Regent of Kuningan
Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Bupati Garut/
3 Juli 2014 361/DIR-CS/2014
Results of General Meeting The Extraordinary Shareholders 2014 Regent of Garut

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
567

Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Gubernur Banten/
3 Juli 2014 361/DIR-CS/2014
Results of General Meeting The Extraordinary Shareholders 2014 Governor of Banten
Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Walikota Tangerang/
3 Juli 2014 361/DIR-CS/2014
Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Walikota Cilegon/
3 Juli 2014 361/DIR-CS/2014
Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Bupati Tangerang/
3 Juli 2014 361/DIR-CS/2014
Results of General Meeting The Extraordinary Shareholders 2014 Regent of Lebak
Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Bupati Serang/
3 Juli 2014 361/DIR-CS/2014
Results of General Meeting The Extraordinary Shareholders 2014 Regent of Serang
Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Bupati Pandeglang/
3 Juli 2014 361/DIR-CS/2014
Results of General Meeting The Extraordinary Shareholders 2014 Regent of Pandeglang
Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Bupati Lebak/
3 Juli 2014 361/DIR-CS/2014
Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Gubernur Jawa Barat/
27 Oktober 2014 562/DIR-CS/2014
Meeting Notice of Extraordinary General Shareholders 2014 Governor of West Java
Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Walikota Bandung/
27 Oktober 2014 562/DIR-CS/2014
Meeting Notice of Extraordinary General Shareholders 2014 Major of Bandung
Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Walikota Cimahi/
27 Oktober 2014 562/DIR-CS/2014
Meeting Notice of Extraordinary General Shareholders 2014 Major of Cimahi
Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Walikota Depok/
27 Oktober 2014 562/DIR-CS/2014
Meeting Notice of Extraordinary General Shareholders 2014 Major of Depok
Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Walikota Tasikmalaya/
27 Oktober 2014 562/DIR-CS/2014
Meeting Notice of Extraordinary General Shareholders 2014 Major of Tasikmalaya
Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Walikota Bekasi/
27 Oktober 2014 562/DIR-CS/2014
Meeting Notice of Extraordinary General Shareholders 2014 Major of Bekasi
Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Walikota Bogor/
27 Oktober 2014 562/DIR-CS/2014
Meeting Notice of Extraordinary General Shareholders 2014 Major of Bogor
Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Walikota Banjar/
27 Oktober 2014 562/DIR-CS/2014
Meeting Notice of Extraordinary General Shareholders 2014 Major of Banjar
Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Walikota Sukabumi/
27 Oktober 2014 562/DIR-CS/2014
Meeting Notice of Extraordinary General Shareholders 2014 Major of Sukabumi
Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Walikota Cirebon/
27 Oktober 2014 562/DIR-CS/2014
Meeting Notice of Extraordinary General Shareholders 2014 Major of Cirebon
Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Bupati Bandung/
27 Oktober 2014 562/DIR-CS/2014
Meeting Notice of Extraordinary General Shareholders 2014 Regent of Bandung
Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Bupati Bogor/
27 Oktober 2014 562/DIR-CS/2014
Meeting Notice of Extraordinary General Shareholders 2014 Regent of Bogor
Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Bupati Tasikmalaya/
27 Oktober 2014 562/DIR-CS/2014
Meeting Notice of Extraordinary General Shareholders 2014 Regent of Tasikmalaya
Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Bupati Cianjur/
27 Oktober 2014 562/DIR-CS/2014
Meeting Notice of Extraordinary General Shareholders 2014 Regent of Cianjur
Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Bupati Indramayu/
27 Oktober 2014 562/DIR-CS/2014
Meeting Notice of Extraordinary General Shareholders 2014 Regent of Indramayu
Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Bupati Sukabumi/
27 Oktober 2014 562/DIR-CS/2014
Meeting Notice of Extraordinary General Shareholders 2014 Regent of Sukabumi
Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Bupati Bekasi/
27 Oktober 2014 562/DIR-CS/2014
Meeting Notice of Extraordinary General Shareholders 2014 Regent of Bekasi
Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Bupati Karawang/
27 Oktober 2014 562/DIR-CS/2014
Meeting Notice of Extraordinary General Shareholders 2014 Regent of Karawang
Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Bupati Cirebon/
27 Oktober 2014 562/DIR-CS/2014
Meeting Notice of Extraordinary General Shareholders 2014 Regent of Cirebon
Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Bupati Purwakarta/
27 Oktober 2014 562/DIR-CS/2014
Meeting Notice of Extraordinary General Shareholders 2014 Regent of Purwakarta

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO

Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Bupati Sumedang/
27 Oktober 2014 562/DIR-CS/2014
Meeting Notice of Extraordinary General Shareholders 2014 Regent of Sumedang
Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Bupati Subang/
27 Oktober 2014 562/DIR-CS/2014
Meeting Notice of Extraordinary General Shareholders 2014 Regent of Subang
Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Bupati Majalengka/
27 Oktober 2014 562/DIR-CS/2014
Meeting Notice of Extraordinary General Shareholders 2014 Regent of Majalengka
Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Bupati Ciamis/
27 Oktober 2014 562/DIR-CS/2014
Meeting Notice of Extraordinary General Shareholders 2014 Regent of Ciamis
Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Bupati Kuningan/
27 Oktober 2014 562/DIR-CS/2014
Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Bupati Garut/
27 Oktober 2014 562/DIR-CS/2014
Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Gubernur Banten/
27 Oktober 2014 562/DIR-CS/2014
Meeting Notice of Extraordinary General Shareholders 2014 Governor of Banten
Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Walikota Tangerang/
27 Oktober 2014 562/DIR-CS/2014
Meeting Notice of Extraordinary General Shareholders 2014 Major of Tangerang
Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Walikota Cilegon/
27 Oktober 2014 562/DIR-CS/2014
Meeting Notice of Extraordinary General Shareholders 2014 Major of Cilegon
Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Bupati Tangerang/
27 Oktober 2014 562/DIR-CS/2014
Meeting Notice of Extraordinary General Shareholders 2014 Regent of Tangerang
Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Bupati Serang/
27 Oktober 2014 562/DIR-CS/2014
Meeting Notice of Extraordinary General Shareholders 2014 Regent of Serang
Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Bupati Pandeglang/
27 Oktober 2014 562/DIR-CS/2014
Meeting Notice of Extraordinary General Shareholders 2014 Regent of Pandeglang
Pemberitahuan Rapat Umum Pemegang Saham Luar Biasa 2014 Bupati Lebak/
27 Oktober 2014 562/DIR-CS/2014
Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Gubernur Jawa Barat/
3 November 2014 098/DIR-CS/2014
Calls General Meeting Extraordinary Shareholders 2014 Governor of West Java
Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Walikota Bandung/
Calls General Meeting Extraordinary Shareholders 2014 Major of Bandung
Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Walikota Cimahi/
Calls General Meeting Extraordinary Shareholders 2014 Major of Cimahi
Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Walikota Depok/
Calls General Meeting Extraordinary Shareholders 2014 Major of Depok
Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Walikota Tasikmalaya/
Calls General Meeting Extraordinary Shareholders 2014 Major of Tasikmalaya
Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Walikota Bekasi/
Calls General Meeting Extraordinary Shareholders 2014 Major of Bekasi
Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Walikota Bogor/
Calls General Meeting Extraordinary Shareholders 2014 Major of Bogor
Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Walikota Banjar/
Calls General Meeting Extraordinary Shareholders 2014 Major of Banjar
Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Walikota Sukabumi/
Calls General Meeting Extraordinary Shareholders 2014 Major of Sukabumi
Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Walikota Cirebon/
Calls General Meeting Extraordinary Shareholders 2014 Major of Cirebon
Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Bupati Bandung/
Calls General Meeting Extraordinary Shareholders 2014 Regent of Bandung
Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Bupati Bogor/
Calls General Meeting Extraordinary Shareholders 2014 Regent of Bogor
Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Bupati Tasikmalaya/
Calls General Meeting Extraordinary Shareholders 2014 Regent of Tasikmalaya
Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Bupati Cianjur/
Calls General Meeting Extraordinary Shareholders 2014 Regent of Cianjur
Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Bupati Indramayu/
Calls General Meeting Extraordinary Shareholders 2014 Regent of Indramayu

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
569

Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Bupati Sukabumi/
Calls General Meeting Extraordinary Shareholders 2014 Regent of Sukabumi
Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Bupati Bekasi/
Calls General Meeting Extraordinary Shareholders 2014 Regent of Bekasi
Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Bupati Karawang/
Calls General Meeting Extraordinary Shareholders 2014 Regent of Karawang
Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Bupati Cirebon/
Calls General Meeting Extraordinary Shareholders 2014 Regent of Cirebon
Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Bupati Purwakarta/
Calls General Meeting Extraordinary Shareholders 2014 Regent of Purwakarta
Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Bupati Sumedang/
Calls General Meeting Extraordinary Shareholders 2014 Regent of Sumedang
Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Bupati Subang/
Calls General Meeting Extraordinary Shareholders 2014 Regent of Subang
Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Bupati Majalengka/
Calls General Meeting Extraordinary Shareholders 2014 Regent of Majalengka
Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Bupati Ciamis/
Calls General Meeting Extraordinary Shareholders 2014 Regent of Ciamis
Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Bupati Kuningan/
Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Bupati Garut/
Calls General Meeting Extraordinary Shareholders 2014 Regent of Garut
Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Gubernur Banten/
Calls General Meeting Extraordinary Shareholders 2014 Governor of Banten
Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Walikota Tangerang/
Calls General Meeting Extraordinary Shareholders 2014 Major of Tangerang
Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Walikota Cilegon/
Calls General Meeting Extraordinary Shareholders 2014 Major of Cilegon
Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Bupati Tangerang/
Calls General Meeting Extraordinary Shareholders 2014 Regent of Tangerang
Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Bupati Serang/
Calls General Meeting Extraordinary Shareholders 2014 Regent of Serang
Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Bupati Pandeglang/
Calls General Meeting Extraordinary Shareholders 2014 Regent of Pandeglang
Panggilan Rapat Umum Pemegang Saham Luar Biasa 2014 Bupati Lebak/
Calls General Meeting Extraordinary Shareholders 2014 Regent of Lebak
Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Gubernur Jawa Barat/
22 Desember 2014 098/DIR-CS/2014
Results of General Meeting The Extraordinary Shareholders 2014 Governor of West Java
Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Walikota Bandung/
Results of General Meeting The Extraordinary Shareholders 2014 Major of Bandung
Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Walikota Cimahi/
Results of General Meeting The Extraordinary Shareholders 2014 Major of Cimahi
Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Walikota Depok/
Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Walikota Tasikmalaya/
Results of General Meeting The Extraordinary Shareholders 2014 Major of Tasikmalaya
Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Walikota Bekasi/
Results of General Meeting The Extraordinary Shareholders 2014 Major of Bekasi
Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Walikota Bogor/
Results of General Meeting The Extraordinary Shareholders 2014 Major of Bogor
Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Walikota Banjar/
Results of General Meeting The Extraordinary Shareholders 2014 Major of Banjar
Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Walikota Sukabumi/
Results of General Meeting The Extraordinary Shareholders 2014 Major of Sukabumi
Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Walikota Cirebon/
Results of General Meeting The Extraordinary Shareholders 2014 Major of Cirebon

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO

Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Bupati Bandung/
Results of General Meeting The Extraordinary Shareholders 2014 Regent of Bandung
Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Bupati Bogor/
Results of General Meeting The Extraordinary Shareholders 2014 Regent of Bogor
Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Bupati Tasikmalaya/
Results of General Meeting The Extraordinary Shareholders 2014 Regent of Tasikmalaya
Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Bupati Cianjur/
Results of General Meeting The Extraordinary Shareholders 2014 Regent of Cianjur
Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Bupati Indramayu/
Results of General Meeting The Extraordinary Shareholders 2014 Regent of Indramayu
Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Bupati Sukabumi/
Results of General Meeting The Extraordinary Shareholders 2014 Regent of Sukabumi
Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Bupati Bekasi/
Results of General Meeting The Extraordinary Shareholders 2014 Regent of Bekasi
Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Bupati Karawang/
Results of General Meeting The Extraordinary Shareholders 2014 Regent of Karawang
Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Bupati Cirebon/
Results of General Meeting The Extraordinary Shareholders 2014 Regent of Cirebon
Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Bupati Purwakarta/
Results of General Meeting The Extraordinary Shareholders 2014 Regent of Purwakarta
Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Bupati Sumedang/
Results of General Meeting The Extraordinary Shareholders 2014 Regent of Sumedang
Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Bupati Subang/
Results of General Meeting The Extraordinary Shareholders 2014 Regent of Subang
Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Bupati Majalengka/
Results of General Meeting The Extraordinary Shareholders 2014 Regent of Majalengka
Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Bupati Ciamis/
Results of General Meeting The Extraordinary Shareholders 2014 Regent of Ciamis
Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Bupati Kuningan/
Results of General Meeting The Extraordinary Shareholders 2014 Regent of Kuningan
Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Bupati Garut/
Results of General Meeting The Extraordinary Shareholders 2014 Regent of Garut
Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Gubernur Banten/
Results of General Meeting The Extraordinary Shareholders 2014 Governor of Banten
Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Walikota Tangerang/
Results of General Meeting The Extraordinary Shareholders 2014 Major of Tangerang
Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Walikota Cilegon/
Results of General Meeting The Extraordinary Shareholders 2014 Major of Cilegon
Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Bupati Tangerang/
Results of General Meeting The Extraordinary Shareholders 2014 Regent of Tangerang
Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Bupati Serang/
Results of General Meeting The Extraordinary Shareholders 2014 Regent of Serang
Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Bupati Pandeglang/
Results of General Meeting The Extraordinary Shareholders 2014 Regent of Pandeglang
Hasil Rapat Umum Para Pemegang Saham Luar Biasa 2014 Bupati Lebak/

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
571
Kegiatan Grup Investor Relations di tahun 2014

Investor Relations Group Activities in 2014
Tanggal Nama Investor Kontak Personal Jabatan Lokasi
No
Date Investor Name Contact Person Position Locations
1 7 Januari 2014 Tokio Marine AM Evelyn Ong "TJB1BDJmD'JOBODJBMT$PSQPSBUF%BZ4JOHBQVSB
2 8 Januari 2014 Daiwa SB Eng Seang Seet "TJB1BDJmD'JOBODJBMT$PSQPSBUF%BZ4JOHBQVSB
3 8 Januari 2014 Somerset Capital Timothy Hay "TJB1BDJmD'JOBODJBMT$PSQPSBUF%BZ4JOHBQVSB
4 8 Januari 2014 QVT Financial Sangmesh Jatti "TJB1BDJmD'JOBODJBMT$PSQPSBUF%BZ4JOHBQVSB
5 8 Januari 2014 Institutional Capital Ben Lammers "TJB1BDJmD'JOBODJBMT$PSQPSBUF%BZ4JOHBQVSB
6 9 Januari 2014 Macquarie Group Alex Lee "TJB1BDJmD'JOBODJBMT$PSQPSBUF%BZ)POHLPOH
7 9 Januari 2014 Buena Vista FM Jeff Liu "TJB1BDJmD'JOBODJBMT$PSQPSBUF%BZ)POHLPOH
8 9 Januari 2014 Schoders IM Jay Luong "TJB1BDJmD'JOBODJBMT$PSQPSBUF%BZ)POHLPOH
9 10 Januari 2014 Harvest Global Investment Judy Chang "TJB1BDJmD'JOBODJBMT$PSQPSBUF%BZ)POHLPOH
10 10 Januari 2014 GAM Camille Vergara "TJB1BDJmD'JOBODJBMT$PSQPSBUF%BZ)POHLPOH
11 10 Januari 2014 Hamon AM Christopher Chu "TJB1BDJmD'JOBODJBMT$PSQPSBUF%BZ)POHLPOH
12 10 Januari 2014 Value Partners Norman Ho "TJB1BDJmD'JOBODJBMT$PSQPSBUF%BZ)POHLPOH
13 16 Januari 2014 Mandiri Securities Tjandra Lienandjaja Head Of Research Plaza Senayan
14 23 Januari 2014 Bahana Securities Teguh P Analyst 1BDJmD1MBDF
15 23 Januari 2014 BNP Paribas AM Made Suardhini Senior Analyst 1BDJmD1MBDF
16 13 Februari 2014 Lynas Capital Andrew Henderson Executive Director Arthaloka Jakarta
17 26 Februari 2014 Daiwa SB Seet Eng Seang Analyst UBS Indonesia Conference 2014
18 26 Februari 2014 PAG Nicholas Spratt Executive Director UBS Indonesia Conference 2014
19 26 Februari 2014 Manulife AM Rania Rahmundita Analyst UBS Indonesia Conference 2014
20 26 Februari 2014 PICTET David Chatterjee Senior Manager UBS Indonesia Conference 2014
21 26 Februari 2014 JP Morgan AM Mark Ferguson Executive Director UBS Indonesia Conference 2014
Franklin Templeton
22 26 Februari 2014 Anand Vasudevan Senior VP UBS Indonesia Conference 2014
Investments
23 26 Februari 2014 State Street Global Advisor Oliver Mclure Analyst UBS Indonesia Conference 2014
24 26 Februari 2014 Wasatch Advisors Roger Edley Director UBS Indonesia Conference 2014
25 26 Februari 2014 Putnam Investment Andrew Yoon Equity Associate UBS Indonesia Conference 2014
26 26 Februari 2014 BNP Paribas AM Made Suardhini Senior Analyst UBS Indonesia Conference 2014
27 11 Maret 2014 Valbury Novia Agatha Research Analyst FY2013 Analyst Meeting, Four Seasons Hotel
28 11 Maret 2014 Onix Sekuritas Rahmat Halim Research Analyst FY2013 Analyst Meeting, Four Seasons Hotel
29 11 Maret 2014 Valbury Marcy Geovani Research Analyst FY2013 Analyst Meeting, Four Seasons Hotel
30 11 Maret 2014 AM Capital Yap Swie Cu Research Analyst FY2013 Analyst Meeting, Four Seasons Hotel
31 11 Maret 2014 Waterfront Securities Andrianto Tirta Research Analyst FY2013 Analyst Meeting, Four Seasons Hotel
32 11 Maret 2014 DBS Vickers Christopher Wijaya Research Analyst FY2013 Analyst Meeting, Four Seasons Hotel

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO

No
Alexander
33 11 Maret 2014 BCA Sekuritas Research Analyst FY2013 Analyst Meeting, Four Seasons Hotel
Margaronis
34 11 Maret 2014 BCA Sekuritas Nicholas Santoso Research Analyst FY2013 Analyst Meeting, Four Seasons Hotel
35 11 Maret 2014 Citi Salman Ali Research Analyst FY2013 Analyst Meeting, Four Seasons Hotel
36 11 Maret 2014 Bahana Securities Laurentius Research Analyst FY2013 Analyst Meeting, Four Seasons Hotel
37 11 Maret 2014 Maybank Kim Eng Rahmi Marina Research Analyst FY2013 Analyst Meeting, Four Seasons Hotel
38 11 Maret 2014 Bahana TCW Ivan Research Analyst FY2013 Analyst Meeting, Four Seasons Hotel
39 11 Maret 2014 Bahana TCW Faradilla Meyriska Research Analyst FY2013 Analyst Meeting, Four Seasons Hotel
40 11 Maret 2014 Mandiri Securities Tjandra Lienandjaja Research Analyst FY2013 Analyst Meeting, Four Seasons Hotel
Vanessa
41 11 Maret 2014 Mandiri Securities Research Analyst FY2013 Analyst Meeting, Four Seasons Hotel
Tanuwidjaya
42 11 Maret 2014 CLSA Hendy Soegiarto Research Analyst FY2013 Analyst Meeting, Four Seasons Hotel
43 11 Maret 2014 Danareksa IM Rafdi Research Analyst FY2013 Analyst Meeting, Four Seasons Hotel
44 11 Maret 2014 Buana Capital Marolop P Research Analyst FY2013 Analyst Meeting, Four Seasons Hotel
45 11 Maret 2014 UBS Securities Joshua Tanja Research Analyst FY2013 Analyst Meeting, Four Seasons Hotel
46 11 Maret 2014 Macquarie Securities Dewi Kusuma Research Analyst FY2013 Analyst Meeting, Four Seasons Hotel
47 11 Maret 2014 Credit Suisse Aldo Benas Research Analyst FY2013 Analyst Meeting, Four Seasons Hotel
48 11 Maret 2014 MNC Securities Dian Agustina Research Analyst FY2013 Analyst Meeting, Four Seasons Hotel
49 11 Maret 2014 MNC Securities Shiao Xian Research Analyst FY2013 Analyst Meeting, Four Seasons Hotel
50 11 Maret 2014 MNC Zabrina Raissa Research Analyst FY2013 Analyst Meeting, Four Seasons Hotel
51 11 Maret 2014 Sinarmas Securities Tessa Mulia Research Analyst FY2013 Analyst Meeting, Four Seasons Hotel
52 11 Maret 2014 Sinarmas Securities Handiman Research Analyst FY2013 Analyst Meeting, Four Seasons Hotel
53 11 Maret 2014 Asjaya Indosurya William Surya Research Analyst FY2013 Analyst Meeting, Four Seasons Hotel
54 11 Maret 2014 Asjaya Indosurya Iman Rahmanul Research Analyst FY2013 Analyst Meeting, Four Seasons Hotel
55 11 Maret 2014 RHB OSK AM Liew Kong Qian Research Analyst FY2013 Analyst Meeting, Four Seasons Hotel
56 11 Maret 2014 Trimegah Securities 3PCCZ)BmM Research Analyst FY2013 Analyst Meeting, Four Seasons Hotel
57 11 Maret 2014 AAA Securities Angky W Research Analyst FY2013 Analyst Meeting, Four Seasons Hotel
58 11 Maret 2014 Ciptadana Securities Syaiful Adrian Research Analyst FY2013 Analyst Meeting, Four Seasons Hotel
59 28 Maret 2014 Waterfront Securities Isfhan Helmi Research Analyst Artaloka Jakarta
60 1 April 2014 Manulife AM Rahnia Research Analyst Palma One Jakarta
61 1 April 2014 Mandiri Securities Tjandra Lienandjaja Research Analyst Palma One Jakarta
62 25 April 2014 UBS Securities Joshua Tanja Research Analyst 3JU[$BSMUPO1BDJmD1MBDF
63 30 April 2014 UBS Securities Joshua Tanja Research Analyst Four Seasons Hotel
64 30 April 2014 AAA Securities Angki Anggani Research Analyst 1Q2014 Analyst Meeting, Four Season Hotel
65 30 April 2014 Valbury Asia Securities Mary Giovani Research Analyst 1Q2014 Analyst Meeting, Four Season Hotel
66 30 April 2014 Valbury Novia Agama Research Analyst 1Q2014 Analyst Meeting, Four Season Hotel
67 30 April 2014 PT Anugrah Securities Rio Research Analyst 1Q2014 Analyst Meeting, Four Season Hotel
68 30 April 2014 PT RHB DSC AM Lie Kong Qian Research Analyst 1Q2014 Analyst Meeting, Four Season Hotel
69 30 April 2014 UBS Securities Joshua Tang Research Analyst 1Q2014 Analyst Meeting, Four Season Hotel

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
573

No
70 30 April 2014 UBS Securities Olivia Research Analyst 1Q2014 Analyst Meeting, Four Season Hotel
71 30 April 2014 Mandiri Securities Vanessa Tanuwijaya Research Analyst 1Q2014 Analyst Meeting, Four Season Hotel
72 30 April 2014 RHB OSK AM Roaky Indrawan Research Analyst 1Q2014 Analyst Meeting, Four Season Hotel
73 30 April 2014 Mandiri Securities Tjaudiah Research Analyst 1Q2014 Analyst Meeting, Four Season Hotel
74 30 April 2014 BCA Sekuritas Alex Margarouis Research Analyst 1Q2014 Analyst Meeting, Four Season Hotel
75 30 April 2014 Bahana Securities Teguh Hantamla Research Analyst 1Q2014 Analyst Meeting, Four Season Hotel
76 30 April 2014 Danareksa IM Eka S Research Analyst 1Q2014 Analyst Meeting, Four Season Hotel
77 30 April 2014 DIM Rafdi Research Analyst 1Q2014 Analyst Meeting, Four Season Hotel
78 30 April 2014 Ancapital Yap Swie Cu Research Analyst 1Q2014 Analyst Meeting, Four Season Hotel
79 30 April 2014 Citi Securities Salman Ali Research Analyst 1Q2014 Analyst Meeting, Four Season Hotel
80 30 April 2014 MNC Zabrina Raissa Research Analyst 1Q2014 Analyst Meeting, Four Season Hotel
81 30 April 2014 MacQ Fransisca W Research Analyst 1Q2014 Analyst Meeting, Four Season Hotel
82 30 April 2014 BJBS Yocie Gusman Research Analyst 1Q2014 Analyst Meeting, Four Season Hotel
83 30 April 2014 Binaasha Revita Research Analyst 1Q2014 Analyst Meeting, Four Season Hotel
84 30 April 2014 Kim Eng Rahmi Marina Research Analyst 1Q2014 Analyst Meeting, Four Season Hotel
85 30 April 2014 DBS Vickers Chirstoper Wijaya Research Analyst 1Q2014 Analyst Meeting, Four Season Hotel
86 30 April 2014 Bahana TCW Faradilla Meyriska Research Analyst 1Q2014 Analyst Meeting, Four Season Hotel
87 30 April 2014 Deutche Bank Arinta Research Analyst 1Q2014 Analyst Meeting, Four Season Hotel
88 30 April 2014 1FmOEP Dyah P Research Analyst 1Q2014 Analyst Meeting, Four Season Hotel
89 30 April 2014 1FmOEP Hendro Utomo Research Analyst 1Q2014 Analyst Meeting, Four Season Hotel
90 30 April 2014 Ciptadana Securities Syaiful Adrian Research Analyst 1Q2014 Analyst Meeting, Four Season Hotel
91 30 April 2014 Trimegah Securities 3PCCZ)BmM Research Analyst 1Q2014 Analyst Meeting, Four Season Hotel
92 7 Mei 2014 RHB - OSK Conference Rocky Indrawan Research Analyst Intercontinental Hotel Jakarta
93 8 Mei 2014 UNEP-FI Rocky Indrawan Research Analyst Menara Thamrin
94 12 Mei 2014 BPD Sumsel Babel Elly Research Analyst Kantor Pusat Lantai 7
95 13 Mei 2014 Polar Capital John Yakas Research Analyst Arthaloka Jakarta
96 13 Mei 2014 Ashmore Hanel Topada Research Analyst Satoo Shangrila Hotel Jakarta
Maybank Kim Eng - Victoria Rahmi Marina - Ms
97 21 Mei 2014 Research Analyst Arthaloka Jakarta
Capital Mgt US Fumiko Hagiwara
98 21 Mei 2014 Bank DKI Imelda Research Analyst Sudirman
99 21 Mei 2014 Trimegah Sekuritas 3PCCZ)BmM Research Analyst Arthaloka Jakarta
100 22 Mei 2014 PT KSEI PT KSEI Research Analyst Ballroom II Hotel Mulia Jakarta
101 3 Juni 2014 AEI Research Analyst Ballroom Hotel Hyatt
102 13 Juni 2014 UBS Securities Joshua Tanja Research Analyst Wisma GKBI Jakarta
103 20 Juni 2014 Kasikorn AM (DBS Vickers) Research Analyst

Bahana Securities dan BNP
104 23 Juni 2014 Teguh Hartanto Research Analyst 1BDJmD1MBDF
AM
CIMB Securities - Templeton
105 23 Juni 2014 Mervyn Koh Research Analyst 1BDJmD1MBDF
AM
Gladi Kotor RUPS/Rapat
106 25 Juni 2014 Research Analyst
Dekom
107 30 Juni 2014 Gladi Bersih RUPS Research Analyst Hotel Hyatt Bandung

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO

No
Credit Suisse -
108 2 Juli 2014 Conference Call Research Analyst
Sanjay Jain
109 10 Juli 2014 CLSA Hendy Soegiarto Research Analyst 1BDJmD1MBDF+BLBSUB
110 23 Juli 2014 Analyst Meeting 2Q 2014 Research Analyst Four Seasons Hotel
111 23 Juli 2014 BCA Sekuritas Alex Research Analyst 2Q2014 Analyst Meeting, Four Season Hotel
112 23 Juli 2014 Mandiri Securities Vanessa Research Analyst 2Q2014 Analyst Meeting, Four Season Hotel
113 23 Juli 2014 CLSA Hendy Soegiarto Research Analyst 2Q2014 Analyst Meeting, Four Season Hotel
115 23 Juli 2014 Ashmore Hanel Research Analyst 2Q2014 Analyst Meeting, Four Season Hotel
116 23 Juli 2014 AAA Securities A Indahjani Research Analyst 2Q2014 Analyst Meeting, Four Season Hotel
117 23 Juli 2014 Citi Gisela Research Analyst 2Q2014 Analyst Meeting, Four Season Hotel
118 23 Juli 2014 Credit Suisse Aldo Benas Research Analyst 2Q2014 Analyst Meeting, Four Season Hotel
119 23 Juli 2014 1FmOEP Dyah P Research Analyst 2Q2014 Analyst Meeting, Four Season Hotel
120 23 Juli 2014 1FmOEP Hendro Utomo Research Analyst 2Q2014 Analyst Meeting, Four Season Hotel
121 23 Juli 2014 Bahana Andie Research Analyst 2Q2014 Analyst Meeting, Four Season Hotel
122 23 Juli 2014 Mega Investama "SJmO Research Analyst 2Q2014 Analyst Meeting, Four Season Hotel
123 23 Juli 2014 Mega Investama Thombos Research Analyst 2Q2014 Analyst Meeting, Four Season Hotel
124 23 Juli 2014 MacQ Oentuni Research Analyst 2Q2014 Analyst Meeting, Four Season Hotel
125 23 Juli 2014 Maybank Kim Eng Emanvella Research Analyst 2Q2014 Analyst Meeting, Four Season Hotel
126 6 Agustus 2014 Fidelity Andrew Seargant Research Analyst Conference Call
Bahana Securities - City Of
127 8 Agustus 2014 Oliver Koh Research Analyst Palma One Jakarta
London AM
128 8 Agustus 2014 Bahana Securities TCW Teguh Hartanto Research Analyst 1BDJmD1MBDF
129 13 Agustus 2014 DBS Vickers Visit Christopher Daniel Research Analyst KCP Benhil-Jakarta
130 13 Agustus 2014 1FmOEP %JSFLTJ1FmOEP Research Analyst ,BOUPS1FmOEP$POGFSFODF$BMM
131 14 Agustus 2014 DBS Vickers Visit Christopher Daniel Research Analyst KCP Benhil-Jakarta
132 21 Agustus 2014 151FmOEP Vonny Widjaja Research Analyst ,BOUPS1FmOEP1BOJO5PXFS-U
133 26 Agustus 2014 UBS Securities Charles Maynard Research Analyst Arthaloka Jakarta
Arun & Anindya
134 28 Agustus 2014 City National Rochdale Research Analyst Conference Call
Chatterjee
135 1 September4 2014 UBS Securities Research Analyst GKBI
136 2 September 2014 Bahana IB Research Analyst Bandung
137 3 September 2014 Citi Salman Ali Research Analyst KCK Jakarta
138 5 September 2014 BPD Kalsel Research Analyst Kanpus

Public Expose Bursa Efek
139 18 September 2014 BEI Research Analyst Ritz Carlton PP
Indonesia
Macquarie - Franklin
140 23 September 2014 Paul de Josselin Research Analyst Arthaloka Jakarta
Templeton
141 24 September 2014 Mandiri Sekuritas Vanessa T Research Analyst Arthaloka Jakarta
Citi Investor Conference

142 15 Oktober 2014 2014 - Kasikorn Asset Supree Suvaphan Research Analyst Mandarin Oriental Jakarta
Management
143 15 Oktober 2014 Samuel Kesuma Research Analyst
2014 - BNP Paribas France
144 15 Oktober 2014 Samuel Kesuma Research Analyst Mandarin Oriental Jakarta
2014 - BNP Paribas France

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
575

No

145 15 Oktober 2014 Tyran Kam Research Analyst Mandarin Oriental Jakarta
2014 - E.l Strudza Investment

146 15 Oktober 2014 Hanel Topada Research Analyst Mandarin Oriental Jakarta
2014 - Ashmore Investment

147 15 Oktober 2014 2014 - Invesco Capital Inggrid Baker Research Analyst Mandarin Oriental Jakarta
Management
Macquarie - Wasatch
148 15 Oktober 2014 Scott Hodgson Research Analyst Arthaloka Jakarta
Advisors
149 16 Oktober 2014 Dunross Asia Pte Peter Bernholz Research Analyst Artaloka Jakarta
150 28 Oktober 2014 AM 3Q 2014 Research Analyst Four Seasons Hotel
Management Meeting
151 30 Oktober 2014 Research Analyst Senayan City Panin Tower
1FmOEP
152 28 Oktober 2014 Bahana Securities Andre Research Analyst 3Q2014 Analyst Metting, Four Season Hotel
153 28 Oktober 2014 PT Onix Securities Rahmat S Halim Research Analyst 3Q2014 Analyst Metting, Four Season Hotel
154 28 Oktober 2014 Maybank Kim Eng Rahmi Marina Research Analyst 3Q2014 Analyst Metting, Four Season Hotel
155 28 Oktober 2014 Citi Securities Salman Ali Research Analyst 3Q2014 Analyst Metting, Four Season Hotel
156 28 Oktober 2014 Ciptadana Securities Syaiful Adrian Research Analyst 3Q2014 Analyst Metting, Four Season Hotel
157 28 Oktober 2014 UOB Sony John Research Analyst 3Q2014 Analyst Metting, Four Season Hotel
158 28 Oktober 2014 Trimegah Securities Angga AA Research Analyst 3Q2014 Analyst Metting, Four Season Hotel
159 28 Oktober 2014 BCA Sekuritas Alex Margarouis Research Analyst 3Q2014 Analyst Metting, Four Season Hotel
160 28 Oktober 2014 DBS Vickers Chris Wijaya Research Analyst 3Q2014 Analyst Metting, Four Season Hotel
161 28 Oktober 2014 MNC Securities Zabrina Raissa Research Analyst 3Q2014 Analyst Metting, Four Season Hotel
162 28 Oktober 2014 Deutche Bank Arinta Research Analyst 3Q2014 Analyst Metting, Four Season Hotel
163 28 Oktober 2014 Global "MmBO Research Analyst 3Q2014 Analyst Metting, Four Season Hotel
164 28 Oktober 2014 Mandiri Securities Vanesa Tanuwijaya Research Analyst 3Q2014 Analyst Metting, Four Season Hotel
165 28 Oktober 2014 Sinarmas Securities Ajiar Research Analyst 3Q2014 Analyst Metting, Four Season Hotel
166 28 Oktober 2014 CIMB Hadi sugiarto Research Analyst 3Q2014 Analyst Metting, Four Season Hotel
167 28 Oktober 2014 Credit Suisse Laurensius Research Analyst 3Q2014 Analyst Metting, Four Season Hotel
168 28 Oktober 2014 Binaasha Vita Research Analyst 3Q2014 Analyst Metting, Four Season Hotel
169 28 Oktober 2014 Binaasha Eka Rahma Research Analyst 3Q2014 Analyst Metting, Four Season Hotel
170 28 Oktober 2014 UOBI Johanus Tanji Research Analyst 3Q2014 Analyst Metting, Four Season Hotel
171 28 Oktober 2014 Valbury Winny Research Analyst 3Q2014 Analyst Metting, Four Season Hotel
172 28 Oktober 2014 Valbury Adde Research Analyst 3Q2014 Analyst Metting, Four Season Hotel
173 28 Oktober 2014 AAA Securities Nico Laurens Research Analyst 3Q2014 Analyst Metting, Four Season Hotel
174 11 November 2014 Maybank Kim Eng Research Analyst Artaloka Jakarta
175 13 November 2014 Macquarie Securities Ismael Pili Research Analyst Social House, Grand Indonesia
UBS Securities - Caravele

176 21 November 2014 Hiep Nguyen Research Analyst Arthaloka Jakarta
Management
177 8 Desember 2014 Dunross Asia Pte Peter Bernholz Research Analyst Conference Call

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO

No
Ward Ferry Management-

178 10 Desember 2014 Research Analyst
CLSA
179 11 Desember 2014 Credit Suisse Laurensius Teiseran Research Analyst Conference Call
180 23 Desember 2014 Nomura Jij Singh Research Analyst Artaloka Jakarta
Informasi bank bjb di Media Massa Tahun 2014 bank bjb Information on the Mass Media in 2014
- Selama tahun 2014 bank bjb telah mengeluarkan press - During the year 2013 bank bjb has issued press releases
release untuk kegiatan perusahaan diantaranya: for the company’s activities including:
1. Kerja sama Penyaluran Kredit 1. Cooperation of Credit Lending
2. Kerja sama Pengelolaan Layanan Jasa Perbankan 2. Cooperation of Banking Services Management
3. Kerja sama dengan Lembaga Negara 3. Cooperation with Governmental Institutions
4. Penyaluran Dana CSR 4. CSR Fund Distribution
5. Penerimaan Penghargaan 5. Award
6. Analyst Meeting 6. Analyst Meeting
7. Kegiatan Perusahaan lainnya. 7. bank bjb0GmDF0QFOJOH
- Wawancara khusus dilaksanakan dalam beberapa - Exclusive interview conducted in some corporate
kegiatan perusahaan seperti analyst meeting, activities such as analyst meetings, GMS, Bond VII
RUPS, public expose, dan lainnya. public expose and other.
- Media gathering dilakukan setiap triwulannya untuk - Media gathering is done every quarterly to maintain
tetap menjaga hubungan baik dengan media. good relations with the media.
Publikasi di Media Massa Selama Tahun 2014

Publication on Mass Media in 2014
Keterangan Nama Media Total Pemberitaan
Description Media Name Total Coverage
Kompas 73
Tempo 46
Republika 119
Bisnis Indonesia 566
Pemberitaan bank bjb di Media Cetak Media Indonesia 54
Coverage bank bjb in Print Media Seputar Indonesia 96
Investor Daily 94
Pikiran Rakyat 242
Tribun Jabar 87
Galamedia 180
Kompas 11
Tempo Interaktif 8
Republika Online 14
bisnis.com 37
Pemberitaan bank bjb di Media Online sindonews.com 14
Coverage bank bjb in Online Media metrotvnews.com 6
pikiran-rakyat.com 22
tribunnews.com 55
detik.com 15
antaranews 17
Jumlah/Total 1.756

Introduction
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Corporate Data
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Press Release Selama Tahun 2014

Press Release in 2014
Tanggal
No Perihal Subject
Date
Launching Layanan bank bjb “PBB Online Mobile” bank Launching Services bjb bank “PBB Online Mobile”
1 23 Februari 2014
bjb Menuju Bandung Juara Towards bank bjb Bandung Champion
2 5 Maret 2014 bank bjb Gandeng BNI Terbitkan Kartu Kredit Bersama Hold bjb bank BNI Credit Card Issuing Together
3 11 Maret 2014 bank bjb menyelenggarakan Analyst Meeting FY-2013 bjb banks Analyst Meeting held FY-2013
Rapat Umum Pemegang Saham (RUPS) bank bjb Tahun
4 26 Maret 2014 General Meeting of Shareholders (AGM) bank bjb 2014
2014
Gathering bank bjb dengan Rekanan Bank Perkreditan
5 11 April 2014 Gathering bank bjb with Bank Perkreditan Rakya (BPR)
Rakyat (BPR)
6 30 April 2014 bank bjb menyelenggarakan Analyst Meeting 1Q-2014 bjb bank held Analyst Meeting 1Q 2014
7 8 Mei 2014 bjb Futsal Championship 2014 2014 bjb Futsal Championship
8 24 Mei 2014 Acara Puncak HUT bank bjb ke-53 Tahun 2014 Top events Anniversary bank bjb 53rd 2014
9 13 Juni 2014 Banking Service Excellence Award (BSEA) 2014 Banking Service Excellence Award (BSEA) 2014
Penandatanganan MoU antara bank bjb dengan BPKP Signing of MoU between bank bjb with BPKP West Java
10 27 Juni 2014
Provinsi Jawa Barat Province
Rapat Umum Pemegang Saham Luar Biasa (RUPS LB) General Meeting Extraordinary Shareholders (GMS LB)
11 1 Juli 2014
bank bjb Tahun 2014 banks bjb 2014
Penandatanganan MoU antara bank bjb dengan Signing of MoU between banks bjb the High Court of
12 14 Juli 2014
Kejaksaan Tinggi Jawa Barat West Java
13 18 – 20 Juli 2014 Bazar Ramadhan UMKM bersama bank bjb Ramadan Bazaar SMEs along the banks bjb
14 23 Juli 2014 bank bjb menyelenggarakan Analyst Meeting 2Q-2014 banks bjb held 2Q-2014 Analyst Meeting
Menjelang Libur Hari Raya Idul Fitri 1434 H, bank bjb Ahead of Eid al-Fitr holiday in 1434 H, the bank bjb
15 26 Juli 2014
Maksimalkan Layanan Maximize Service
15 4 September 2014 bank bjb Memperingati Hari Pelanggan Nasional 2014 bjb bank Commemorating National Customer Day 2014
Penandatanganan Perjanjian Kerja sama antara bank The signing of the Cooperation Agreement between the
16 4 September 2014
bjb dengan PT. Jamkrida Jabar bank bjb with PT. Jamkrida Jabar
Customer Gathering : bank bjb dengan Mitra Bank Customer Gathering : bank bjb with Mitra Bank
17 9 September 2014
Perkreditan Rakyat Perkreditan Rakyat
18 15 September 2014 bjb Photo Contest 2014 bjb Photo Contest 2014
Penandatanganan Perjanjian Kerja sama (PKS) Kredit The signing of the Cooperation Agreement (MCC) of
19 24 September 2014 Cinta Rakyat (KCR) antara Pemerintah Provinsi Jawa Credit Love People (KCR) between the Government of
Barat dengan bank bjb West Java Province with banks bjb
20 18 Oktober 2014 Launching Kartu Persib Launching Arsenal Card
21 28 Oktober 2014 Analyst Meeting 3Q-2014 Analyst Meeting 3Q-2014
22 22 November 2014 Launching Layanan “E-Samsat Jabar” Launching Services “E-SAMSAT Jabar”
Media Gathering bank bjb 2014 “Pemaparan Outlook Media Gathering 2014 bjb banks’ exposure Economics
23 5 Desember 2014
Ekonomi dan Perbankan Tahun 2015” and Banking Outlook 2015 “
Rapat Umum Pemegang Saham Luar Biasa (RUPS LB) General Meeting Extraordinary Shareholders (GMS LB)
24 19 Desember 2014
bank bjb Tahun 2014 banks bjb 2014
Pemberian Bantuan 10 Perahu Karet dari CSR bank bjb
25 23 Desember 2014 3FMJFG3BGUTPG$43CKCCBOLTUPnPPEJO#BOEVOH
untuk banjir di Kabupaten Bandung

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
KODE ETIK
CODE OF CONDUCT
Kode Etik Code of Conduct

1. Standar tata perilaku yang menjadi acuan setiap insan 1. Code of conduct used as reference by every person of
bank bjb (Dewan Komisaris, Direksi, dan Pegawai) dalam bank bjb (Commissioner, Director, and Employee) in
mengelola Perusahaan adalah: managing the company are:
a. Etika kerja sesama insan yang dilandasi dengan: a. Work ethics for fellow being which is based on:
• Berkerja profesional sadar biaya untuk • Work professionally with cost consideration to
menghasilkan kinerja yang optimal, jujur, sopan generate optimal, honest, courteous, and orderly
dan tertib performance
• Saling menghargai, terbuka menerima kritik dan • Mutual respect, open to criticism and advice and
saran serta menyelesaikan masalah dengan resolve problems with the consensus agreement
musyawarah mufakat • Help and motivate each other, and cooperate in
• Saling membantu, memotivasi dan bekerja sama performing the duties.
dalam melaksanakan tugas • Communicate any new ideas and mutual transfer
• Mengkomunikasikan setiap ide baru dan saling of knowledge and skills
mentransfer pengetahuan dan kemampuan • Take the initiative and develop competence in
• Mengambil inisiatif dan mengembangkan performing the duties
kompetensi dalam melaksanakan tugas • Have the initiative to discuss the lack of proper
• Berani mendiskusikan kebijakan yang kurang policy to conduct constructive correction properly
tepat untuk melakukan koreksi yang konstruktif • Respecting the differences of gender, ethnicity,
secara santun religion, race and among groups.
• Menghargai perbedaan gender, suku, agama, ras
dan antar golongan.
b. Insan bank bjb memanfaatkan data dan informasi b. Person of bank bjb utilizes company data and
perusahaan untuk meningkatkan nilai tambah information to enhance corporate value and
perusahaan dan pengambilan keputusan dengan decision-making by:
cara:
• Menggunakan sistem keamanan data yang • Use an adequate system of data security
memadai. • Provide relevant and proportional information to
• Memberikan informasi yang relevan dan the stakeholders while continuing to consider the
proporsional kepada stakeholders dengan tetap interests of the company
mempertimbangkan kepentingan perusahaan. • Avoid the dissemination of data and information to
• Menghindari penyebarluasan data dan informasi other parties who are not of interest either during or
kepada pihak lain yang tidak berkepentingan baik after employment.
selama bekerja maupun setelah berhenti bekerja. • Submit all data related to the company at the end
• Menyerahkan semua data yang berhubungan of tenure
dengan perusahaan pada saat berhenti bekerja. t .BJOUBJO DPOmEFOUJBMJUZ PG DMJFOU JOGPSNBUJPO JO
• Menjaga kerahasiaan informasi nasabah sesuai accordance with the applicable regulations
dengan ketentuan perundang-undangan yang
berlaku.
c. Insan bank bjb mengoptimalkan penggunaan harta c. Person of bank bjb optimizes the use of company
perusahaan dengan cara: property by way of:
• Bertanggung jawab atas pengelolaan harta • Responsible for the management of a company
perusahaan dan menghindarkan penggunaannya property and avoid its use outside the company’s
di luar kepentingan perusahaan. interests.

Introduction
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Corporate Data
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• Mengamankan harta perusahaan dari kerusakan • Securing corporate assets from damage and loss
dan kehilangan • Save energy consumption
• Melakukan penghematan pemakaian energi
d. Insan bank bjb mengelola data secara rapi, tertib, d. Person of bank bjb manage data in a neat, orderly,
teliti, akurat dan tepat waktu dengan cara: thorough, accurate and timely manner:
• Mencatat data dan menyusun laporan berdasarkan • Record the data and prepare reports based on the
sumber yang benar dan dapat dipertanggung true and reliable sources.
jawabkan. • Presenting report in a brief, clear, precise,
• Menyajikan laporan secara singkat, jelas, and in communicative manner to be used in
tepat, komunikatif untuk dipergunakan dalam decision-making and feedback for performance
pengambilan keputusan dan umpan balik guna improvement
perbaikan kinerja. • Do not hide any data and reports that should be
• Tidak menyembunyikan data dan laporan yang submitted.
seharusnya disampaikan.
e. Insan bank bjb menghindari kondisi, situasi e. Person of bank bjb avoid the condition, situation or
ataupun kesan adanya benturan kepentingan dan BQQFBSBODFPGDPOnJDUPGJOUFSFTUBOEBCVTFPGPGmDF
penyalahgunaan jabatan dengan cara: by:
• Menghindari pemberian perlakukan istimewa • Avoid giving preferential treatment to certain
terhadap pihak-pihak tertentu diluar prosedur parties outside of the procedures and regulations
dan ketentuan yang berlaku yang menimbulkan UIBUMFBEUPCBOLMPTTFTPSSFEVDFCBOLQSPmUT
kerugian bank atau mengurangi keuntungan bank. • Not allow the occurrence of any decision-
• Tidak memperkenankan terjadinya pembuatan making, especially decisions that may affect the
keputusan apapun, terutama keputusan- achievement of KPI (Key Performance Indicators)
keputusan yang dapat mempengaruhi pencapaian of bank bjb directly, which is affected by the
KPI (Key Performance Indicators) bank bjb secara personal interests of Commissioners, Directors,
langsung, yang dipengaruhi kepentingan pribadi 0GmDFST BOE &NQMPZFFT CPUI JO UIF XPSLJOH
Komisaris, Direksi, Pejabat dan Pegawai, baik relationship between employees and parties in
dalam hubungan kerja antar pegawai maupun connection outside bank bjb.
dalam kaitan dengan pihak diluar bank bjb. • However if the decision remains to be taken, the
• Namun demikian apabila keputusan tetap related parties must put the interests of banks as
harus diambil maka pihak-pihak dimaksud priority and prevent the Bank from losses that may
harus mengutamakan kepentingan bank dan BSJTFPSUIFQPTTJCJMJUZPGSFEVDJOHCBOLQSPmUTBOE
menghindarkan Bank dari kerugian yang UIFDPOnJDUTPGJOUFSFTUDPOEJUJPONVTUCFEJTDMPTFE
mungkin timbul atau kemungkinan berkurangnya in every decision.
keuntungan bank serta wajib mengungkapkan
kondisi benturan kepentingan tersebut dalam
setiap keputusan.
f. Insan bank bjb tidak menerima hadiah/fasilitas dalam f. Person of bank bjb does not accept gifts/facilities of
bentuk apapun yang berhubungan dengan jabatan BOZLJOESFMBUJOHUPUIFPGmDFBOEXPSLFYDFQUXJUIJO
dan pekerjaannya kecuali dalam batas kewajaran the limits of reasonableness and propriety as set forth
dan kepatutan sebagaimana diatur dalam Pedoman JOUIF(VJEFMJOFTGPS$POUSPMPG(SBUJmDBUJPO
1FOHFOEBMJBO(SBUJmLBTJ
g. Insan bank bjb dapat memberikan hadiah/fasilitas g. Person of bank bjb may give a gift/facilities to other
kepada pihak lain dengan syarat untuk menunjang parties to support the interests of the company, not

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
KODE ETIK
kepentingan perusahaan, tidak dimaksudkan untuk intended as bribe, has been budgeted by the company,
menyuap, telah dianggarkan oleh perusahaan dan and if the gift/facilities is in the form of souvenir then it
apabila hadiah/fasilitas berupa benda cinderamata must contain the logo/name PT Bank Pembangunan
maka harus mencantumkan logo/nama PT Bank Daerah Jawa Barat dan Banten, Tbk.
Pembangunan Daerah Jawa Barat dan Banten, Tbk.
h. bank bjb memberikan biaya penagihan kredit sesuai h. bank bjb provides credit collection fee in accordance
ketentuan internal yang berlaku dan hal tersbut diatur with internal policies and terms and are regulated in
EBMBN1FEPNBO1FOHFOEBMJBO(SBUJmLBTJ UIF(VJEBODF$POUSPMPG(SBUJmDBUJPO
i. Insan bank bjb bebas dari penyalahgunaan narkoba i. Person of bank bjb is free from drugs and alcohol
dan miras. abuse.
j. Insan bank bjb bersikap netral terhadap semua partai j. Person of bank bjb is neutral to all political parties in a
politik dengan cara: way:
• Tidak menggunakan fasilitas perusahaan untuk t %PFTOPUVTFDPNQBOZGBDJMJUJFTGPSUIFCFOFmUPG
kepentingan golongan/partai politik tertentu any certain group/political party
• Tidak merangkap jabatan sebagai pengurus partai • Not holding a concurrent position as a political
politik dan atau anggota legislatif QBSUZPGmDJBMTPSNFNCFSTPGUIFMFHJTMBUJWF
• Tidak membawa, memperlihatkan, memasang • Does not carry, display, install and distribute
serta mengedarkan simbol, gambar dan symbol, pictures and ornaments of political parties
ornamen partai politik di lingkungan perusahaaan in the company.
2. Komisaris dan atau Direksi dapat memutuskan pemberian 2. Commissioners and or Board of Directors may decide the
tindakan pembinaan, sanksi disiplin dan atau tindakan act of giving guidance, discipline and sanctions as well
perbaikan serta pencegahan yang harus dilaksanakan as preventive or corrective actions to be implemented by
oleh atasan langsung di lingkungan masing-masing the immediate supervisor in each environment to person of
terhadap insan bank bjb yang melakukan pelanggaran bank bjb who violates the Code of Conduct.
Code of Conduct.
3. Tindakan pelanggaran Code of Conduct termasuk jenis 3. Act violating the Code of Conduct including the types
perbuatan pegawai yang dapat terkena sanksi dalam hal of employee actions that may be subject to sanctions in
jenis perbuatan: terms of types of actions:
a. Melanggar Budaya Kerja, Perilaku Pimpinan dan a. Violation of Work Culture, Leadership and Employee
Pegawai bank bjb Behaviour standard of bank bjb
b. Melanggar Kode Etik Bankir Indonesia b. Violate the Indonesian Bankers Code of Ethics
4. Jenis sanksi atas pelanggaran antara lain: 4. Types of sanctions for violations include:
a. Sanksi administratif ringan berupa: a. Light administrative sanctions in the form of:
• Teguran lisan • Verbal reprimand
• Teguran tertulis • Written reprimand
• Pernyataan tidak puas • Statement of dissatisfaction
b. Sanksi Administratif Sedang berupa: b. Moderate administrative sanctions in the form of:
• Penundaan kenaikan gaji berkala paling lama 1 • Delay of periodic salary increases for the maximum
(satu) tahun of 1 (one) year
• Penurunan gaji sebesar 1 (satu) kali kenaikan gaji • Reduction in salary of 1 (one) time the regular
berkala untuk paling lama 1 (satu) tahun salary increases for no longer than 1 (one) year

Introduction
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Corporate Data
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CODE OF CONDUCT
• Penundaan kenaikan pangkat untuk paling lama 1 • Delay of promotion for a maximum of 1 (one) year
(satu) tahun
c. Sanksi Administrasi Berat berupa: c. Severe administrative sanctions in the form of:
• Penurunan pangkat pada pangkat yang tingkat • Demotion in rank to a lower level for the maximum
lebih rendah untuk paling lama 1 (satu) tahun of 1 (one) year
• Penurunan jabatan • Demotion
• Pembebasan dari jabatan t &YFNQUJPOGSPNPGmDF
• Pemberhentian sementara • Suspension
• Pemberhentian dengan tidak hormat tidak atas • Dishonourable discharge not at its own request as
permintaan sendiri sebagai pegawai employee
• Pemberhentian tidak hormat sebagai pegawai. • Dishonourable discharge as employee
Pemberlakuan Kode Etik Implementation of Code of Ethics

Seluruh Dewan Komisaris, Direksi, serta karyawan bank bjb The entire Board of Commissioners, Board of Directors, as
wajib mentaati kode etik yang telah disusun Perusahaan. well as bank bjb employees shall obey the code of ethics that
Kode Etik tersebut disusun untuk memenuhi standar perilaku has been compiled by the Company. The code of ethics was
karyawan perusahaan. formulated to meet the standards of behavior of the Company’s
employees.
Sosialisasi Kode Etik Socialization of the Code of Ethics

Sosialisasi Kode Etik Perusahaan dilakukan di seluruh tingkat Socialization of the Code of Ethics is conducted throughout
manajemen bank bjb dari yang tertinggi hingga paling rendah the entire level of the Bank’s management from the highest to
melalui berbagai media dan forum internal: the lowest through various media and internal forum:
• Buku Saku • Handbook
• Kartu Saku • Pocket Cards
• Penyampaian berkala pada setiap pagi hari, pulang kerja, • Periodic reminder performed every morning, evening, and
dan di dalam forum pelatihan. in the training forum.
• Poster Dinding • Wall Poster
• Jinggle Corporate • Corporate Jinggle
Penegakan dan Sanksi Pelanggaran Kode Etik Enforcement and Sanctions to the Violations of
the Code of Ethics
bank bjb memastikan bahwa Kode Etik dilaksanakan secara bank bjb ensures that the Code of Ethics is implemented
konsisten disetiap level organisasi. Pelaksanaan Kode consistently at all levels of the organization. Implementation
Etik oleh setiap individu merupakan bagian dari penilaian of the Code of Ethics by each individual is a part of the
kinerja. bank bjb menyelenggarakan ujian Kode Etik secara performance assessment. bank bjb holds regular code of
rutin dalam setiap triwulan. Dalam melaksanakan upaya ethics assessment in each quarter. In the effort to enforce the
penegakkan Kode Etik, bank bjb juga melakukan berbagai Code of Ethics, bank bjb also performs a variety of methods
metode yang disesuaikan dengan bidang pekerjaan masing- UIBU BSF UBJMPSFE UP UIF mFME PG XPSL PG FBDI JOEJWJEVBM GPS
masing individu, misalnya dengan metode mystery shopper. example the mystery shopper method.
Upaya penegakan pelaksanaan Kode Etik dilakukan Enforcement of the Code of Ethichs is performed with the
pemberian sanksi yang terstruktur dan terintegrasi. Sanksi provision of sanctions structuredly and integratedly. The
ini dapat berupa teguran lisan, tertulis, ataupun sampai sanctions may include verbal warning, written, or termination
pemutusan hubungan kerja. Upaya hukum juga dapat of employment. Legal efforts can also be applied if the offense
diterapkan jika jenis pelanggaran dianggap material seperti is considered material such as corruption and fraud.
korupsi dan fraud.

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO
BUDAYA PERUSAHAAN
CORPORATE CULTURE
Sosialisasi, penerapan, serta penegakan Corporate Socialization, implementation, and enforcement of the
Culture merupakan bagian dari proses perubahan budaya Corporate Culture is part of the change process of corporate
perusahaan. Sesuai dengan SK Direksi nomor 1405/SK/BOD- culture. In accordance with the Decree of the Board of
CMO/2010 proses perubahan budaya perusahaan meliputi 4 Directors No. 1405/SK/BOD-CMO/2010 corporate culture
(empat) langkah dasar sebagai berikut: change process includes four (4) basic steps as follows:
a. Penetapan Nilai-nilai Perusahaan dan Perilaku Utama a. Determination of Corporate Values and Key Behaviour
Perumusan nilai-nilai perusahaan (corporate value) The formulation of the corporate value and the key
dan perilaku utama budaya Perusahaan dilakukan oleh behavior of the Corporate culture is performed by the
manajemen dengan menggali nilai-nilai yang ada dalam management by exploring the existing values within the
tubuh Perusahaan. Budaya perusahaan bank bjb harus Company. The corporate culture of bank bjb shall be in
selaras dengan visi dan misi bank bjb dan adaptif terhadap line with its vision and mission as well as being adaptive
perubahan dunia perbankan. Oleh karena itu apabila to changes in the banking world. Therefore, if the existing
budaya yang telah ada sudah tidak sejalan dengan visi, culture no longer in line with the vision, mission, and
misi, dan perkembangan dunia perbankan, maka perlu development of the banking world, it is necessary to
dilakukan perubahan budaya dengan menggali nilai-nilai change the culture by exploring new emerging values.
baru yang muncul.
b. Sosialisasi b. Socialization
Budaya perusahaan bank bjb disosialisasikan kepada The corporate values of bank bjb is disseminated to
seluruh jajaran organisasi untuk membangun awareness all levels of the organization to build awareness and
serta pemahaman terhadap Budaya perusahaan bank understanding to the corporate culture of bank bjb. The
bjb. Proses sosialisasi ini dilakukan melalui berbagai socialization process is carried out through various media
media seperti: buku pedoman, buku saku, sign wall, such as: manuals, booklets, sign wall, standing banner,
standing banner, training, pin, dan lain-lain. training, pins, and others.
c. Internalisasi c. Internalization
Merupakan tahapan dimana budaya perusahaan bank The stage in the corporate culture of bank bjb applied
bjb diterapkan oleh seluruh jajaran organisasi perusahaan throughout the organization company in every daily
dalam setiap aktivitas sehari-hari. Budaya perusahaan activity. The corporate culture internalized through
tersebut diinternalisasikan melalui change agent yang change agent who has been appointed in every
telah ditunjuk dalam setiap unit kerja. unit.
Change agent yang telah terpilih akan diikutsertakan Appointed change agents will be included in training
dalam training dan workshop untuk memperkuat and workshops to strengthen the understanding of the
pemahaman tentang budaya perusahaan dan cara corporate culture and how to transmit the values of the
menularkan nilai-nilai budaya perusahaan kepada corporate culture to others. Each unit is required to have
orang lain. Setiap unit kerja diwajibkan memiliki program their own cultural program as a form of implementation of
budaya masing-masing sebagai wujud implementasi the corporate culture in everyday activities. To evaluate
budaya perusahaan dalam aktivitas sehari-hari. Untuk the implementation process of cultural change in every
mengevaluasi proses implementasi perubahan budaya unit, every change agent submits the corporate culture
dalam setiap unit kerja, maka setiap change agent JNQMFNFOUBUJPOSFQPSUUPUIF$IBOHF.BOBHFNFOU0GmDF
menyampaikan laporan implementasi budaya perusahaan Division.
LFQBEB%JWJTJ$IBOHF.BOBHFNFOU0GmDF

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
583
d. Eksternalisasi d. Externalization
Pada tahapan ini, dampak dari implementasi budaya At this stage, the impact of the corporate culture
perusahaan dirasakan oleh lingkungan eksternal implementation is perceived by the external environment
(nasabah, masyarakat, shareholders). Seluruh jajaran (customers, community, shareholders). The whole range of
organisasi telah mengimplementasikan nilai-nilai budaya the organization have implemented the corporate values
perusahaan dengan baik sehingga lingkungan eksternal well, thus the external environment also sense the positive
turut merasakan dampak yang positif dari perubahan impact of the cultural change.
budaya tersebut.
e. Monitoring dan Evaluasi e. Monitoring and Evaluation

Monitoring implementasi perubahan budaya dilakukan Monitoring the implementation of the cultural change is
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dan Change Agent. Change Leader dan Change Change Leader and Change Agent. Change Leader
Agent memonitor dan mengevaluasi secara berkala and Change Agent periodically monitor and evaluate
penerapan budaya pada unit kerjanya masing-masing the implementation of the culture in each work unit to be
kemudian disampaikan laporannya kepada Divisi Change SFQPSUFE UP UIF %JWJTJPO PG $IBOHF .BOBHFNFOU 0GmDF
.BOBHFNFOU 0GmDF #FSEBTBSLBO IBTJM QFMBQPSBO Based on the reporting results of the Change Leader
dari Change Leader dan Change Agent, Divisi Change BOE $IBOHF "HFOU UIF $IBOHF .BOBHFNFOU 0GmDF
.BOBHFNFOU 0GmDF NFMBLVLBO NPOJUPSJOH EBO FWBMVBTJ Division monitors and evaluates the implementation of the
penerapan budaya perusahaan di seluruh unit kerja baik DPSQPSBUFDVMUVSFJOBMMXPSLVOJUTCPUIBU)FBE0GmDFBOE
Kantor Pusat maupun Cabang. #SBODI0GmDFT
Dalam rangka mendukung pencapaian visi dan misi In order to support the achievement of the vision and
bank bjb menjadi 10 bank terbesar dan berkinerja baik mission of bank bjb to become the 10 largest banks
di Indonesia, Perseroan telah melakukan beberapa with good performance in Indonesia, the Company has
perubahan, salah satunya perubahan budaya perusahaan. conducted several changes, one of which is the change
Budaya perusahaan tersebut mencerminkan semangat JO DPSQPSBUF DVMUVSF 5IF DPSQPSBUF DVMUVSF SFnFDUT UIF
bank bjb dalam menghadapi persaingan perbankan yang TQJSJU PG CKC CBOL JO UIF GBDF PG JODSFBTJOHMZ mFSDF BOE
semakin ketat dan dinamis. Nilai-nilai budaya perusahaan dynamic banking competition. The values of the corporate
yang telah dirumuskan yaitu GO SPIRIT merupakan culture that has been formulated, namely the GO SPIRIT
perwujudan dari Service Excellence, Profesionalism, is the embodiment of Service Excellence, Professionalism,
Integrity, Respect, Intelligence, Trust yang dijabarkan Integrity, Respect, Intelligence, Trust that are outlined in 14
dalam 14 perilaku utama. key behaviors.
Go Spirit Go Spirit
Panduan untuk pelaksanaan budaya perusahaan ini telah Guidelines for the implementation of this corporate culture has
tersusun dalam pedoman budaya perusahaan bank bjb. been arranged in the guidelines of bank bjb.
1. Implementasi Go Spirit dalam bentuk tanggung jawab 1. Implementation Go Spirit in the form of socially responsible
sosial perseroan company
a. Latar Belakang Hari Lingkungan a. Background Environment Day

Program Hari Lingkungan merupakan usulan The Environment Day Program is a program proposal
program yang sesuai dengan Perilaku Utama Budaya that is in accordance with the Key Behavior of bank bjb
Perusahaan bank bjb yaitu “Peduli Pada Lingkungan”, Corporate Culture, namely “Care for the Environment”,
salah satu perwujudannya adalah dengan memberikan one of the embodiment is to provide a positive

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kontribusi positif kepada lingkungan masyarakat contribution to the environment of the surrounding
sekitar sehingga dapat meningkatkan image bank communities, improving the image of bank bjb.
bjb. Program hari lingkungan ini merupakan gerakan The environment day program is the movement of
pengumpulan barang yang sudah tidak terpakai collecting decent but not used goods by all employees
namun masih layak oleh setiap karyawan yang which is carried out continuously every month on the
dilakukan secara kontinu setiap bulan pada tanggal 20th (in accordance with the anniversary of bank bjb).
20 (sesuai dengan hari ulang tahun bank bjb). Barang Goods collected will be sorted and donated to the
yang terkumpul akan dipilah dan disumbangkan local community in need.
kepada masyarakat sekitar yang membutuhkan.
b. Program Ide Kreatif untuk bank bjb b. Creative Idea Program for bank bjb
Program Ide Kreatif untuk bank bjb merupakan The Creative Idea for bank bjb program is a program
usulan program yang mencerminkan Perilaku Utama QSPQPTBM UIBU SFnFDUT UIF ,FZ #FIBWJPS PG CBOL bjb
Budaya Perusahaan bank bjb yaitu “Berkeinginan Corporate Culture, namely “Strong Desire to Develop”,
Kuat untuk Mengembangkan Diri”, dalam hal ini in this case by providing the best contribution to
dengan memberikan kontribusi terbaik demi kemajuan the progress of bank bjb. The program is intended
bank bjb. Program ini diperuntukan bagi setiap for any bank employee bjb who has creative ideas
pegawai bank bjb yang memiliki ide kreatif yang that can be implemented, either it is a new thing or
dapat diimplementasikan baik itu merupakan suatu B NPEJmDBUJPO PG UIF FYJTUJOH UIJOH BOE CFOFmDJBM UP
IBMZBOHCBSVBUBVQVONPEJmLBTJEBSJZBOHUFMBIBEB bank bjb in general. The selection of the creative idea
dan bermanfaat bagi bank bjb secara keseluruhan. that can be implemented by bank bjb is conducted
Pemilihan ide kreatif yang dapat diimplementasikan by the Assessment Team consisting of division
oleh bank bjb dilakukan oleh Tim Penilai yang terdiri representatives with the CMO division as coordinator.
dari perwakilan divisi dengan Divisi CMO sebagai As bank bjb’s reward to the employee who is selected
koordinator. Sebagai reward bank bjb kepada pegawai for his/her creative ideas will be rewarded in the form
yang terpilih ide kreatifnya kiranya data diberikan of goods as a token of appreciation of bank bjb, which
penghargaan dalam bentuk barang sebagai bentuk can support performance, such as the provision of a
apresiasi bank bjb yang dapat menunjang kinerja laptop or i-pad.
seperti pemberian laptop atau i-pad.
c. Program Morning Spirit c. Morning Spirit Program

Dalam program ini disosialisasikan semangat GO The GO SPIRIT is socialized in this program with a
SPIRIT dengan berbagai tema yang berbeda setiap variety of different theme each day via the loudspeakers
harinya melalui media pengeras suara agar dapat to be accepted by all bank bjb employees with the
diterima oleh seluruh pegawai bank bjb dengan jingle bank bjb jingle as its theme song.
bank bjb sebagai theme song-nya.
d. Program Berbagi Buku d. Book Sharing Program

Program ini mengajak para pegawai untuk dapat This program invites the employees to bring the
membawa buku-buku yang telah terbaca dan dapat CPPLT UIBU IBWF CFFO SFBE BOE DBO CF CFOFmDJBM
bermanfaat bagi masyarakat untuk disumbangkan for the community to be donated both to schools or
kepada lingkungan baik kepada sekolah maupun institutions that need them.
panti yang memerlukan.

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CORPORATE CULTURE
Agar nilai-nilai perusahaan tersebut dapat di implementasikan In order to enable the values of the company can be
oleh seluruh jajaran organisasi bank bjb dalam setiap aktivitas implemented throughout the bank bjb organization in every
sehari-hari, maka dilakukan upaya internalisasi nilai-nilai daily activity, internalization efforts are conducted through a
melalui program-program antara lain: number of programs, among others:
• Training lanjutan bagi change agents dan change leaders. • Advanced training for change agents and change leaders.
• Workshop Cristalizing Concept reformulasi strategi • Workshop Cristalizing Concept reformulation of bank bjb’s
transformasi bank bjb. tranformation strategy.
• Mendorong setiap unit kerja untuk memiliki program • Encourage each work unit to have a cultural program.
budaya. • Integrating the cultural values in the HR system.
• Mengintegrasikan nilai-nilai budaya dalam HR system.
Proses perubahan budaya bukanlah suatu hal yang mudah, The process of cultural change is not an easy thing, but with a
namun dengan adanya komitmen yang kuat dari seluruh strong commitment from all levels of the organization of bank
jajaran organisasi bank bjb terutama top management, maka bjb, especially top management, bank bjb is optimistic that
bank bjb optimis dapat melakukan transformasi dan mencapai it will be able to perform the transformation and achieve its
visi dan misinya. vision and mission.
Change Agent Change Agent

Perusahaan membentuk Change Agent sebagai salah satu The company established a Change Agent as part of efforts
upaya menyelaraskan pertumbuhan bisnis yang dinamis to align the dynamic business growth that is supported by the
yang didukung dengan penerapan budaya perusahaan yang implementation of the best corporate culture.
terbaik.
Fungsi dan Tugas Function and Duty

Berdasarkan Pedoman Budaya Perusahaan yang telah Based on the Corporate Culture Guideline which have been
disahkan melalui Surat Keputusan Direksi nomor: 1405/SK/ stipulated through the Decree of the Board of Directors No.
BOD-CMO/2010, pada Bab VI mengenai Tim Internalisasai 1405/SK/BOD-CMO/2010, at chapter VI on Corporate Culture
Budaya Perusahaan bank bjb, tugas dan tanggung jawab Internalization Team of bank bjb, the duties and responsibilities
Change Agent adalah sebagaimana dipaparkan di bawah ini. of the Change Agent is as described below.
Change Agent bertanggung jawab dalam proses Change Agent takes the responsibility in the process of
implementasi, monitoring, dan evaluasi perubahan budaya implementation, monitoring, and evaluation of cultural change
pada unit kerjanya masing-masing. at its work unit.
Tugas Change Agent bank bjb adalah: Duty of bank bjb Change Agent are:
1. Mensosialisasikan, menularkan, dan mendorong 1. To socialize, spread, and encourage implementation of
implementasi perubahan budaya di masing-masing unit culture change at every work unit.
kerja. 2. To give warning to employees who do not implement the
2. Menegur pegawai yang tidak menerapkan budaya corporate culture of bank bjb (negative behaviour).
perusahaan bank bjb (berperilaku negatif). 3. To monitor the implementation of change in its work unit
3. Memonitor implementasi perubahan budaya di unit CZmMMJOHUIFDPSQPSBUFDVMUVSFJNQMFNFOUBUJPONPOJUPSJOH
kerja masing-masing dengan mengisi form monitoring form.
implementasi budaya perusahaan. 4. To evaluate the implementation of change of culture in
4. Mengevaluasi implementasi perubahan budaya dalam each work unit periodically and continuously (once every
masing-masing unit kerja secara berkala dan kontinu (3 3 months).
bulan sekali).

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5. Menyampaikan laporan implementasi perubahan 5. To deliver the report of the implementation of

budaya (hasil isian form monitoring) kepada change cultural change (the result of monitoring form) to change
leader untuk kemudian diteruskan kepada Divisi Change leader and then it is passed to Division of Change
.BOBHFNFOU0GmDF .BOBHFNFOU0GmDF
Mengingat tugas-tugas Change Agent tersebut, maka telah Noting the tasks of the Change Agent, so it has also been
ditetapkan pula karakteristik dasar yang harus dimiliki oleh determined the main characteristic which must be had by
Change Agent, yaitu: Change Agent, they are:
1. Dapat menjadi role model dan motivator untuk 1. They can be a role model and motivator to step up work
meningkatkan kinerja. performance.
2. Culturally adapative, bisa beradaptasi dengan berbagai 2. Culturally adaptive, they can adapt with various cultures
ragam budaya dalam bekerja. during work.
3. Socially responsible, bersikap tanggung jawab sosial 3. Socially responsible, They have social responsibility (not
(tidak individual). being individual).
4. Active learner, mau mengembangkan dirinya dengan 4. Active learner, they want to develop themselves by
belajar hal-hal baru. learning new things.
5. Memiliki kreativitas yang tinggi dan sanggup berinovasi 5. They have high creativity and can have innovation by
dengan menghasilkan berbagai hal-hal baru. producing new things.
6. Bersikap tegas. #FmSN

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WHISTLEBLOWING SYSTEM
Dalam rangka menjalankan kegiatan usaha perseroan yang In order to perform the Company’s business activities
sesuai dengan prinsip-prinsip good corporate governance, in accordance with the principles of good corporate
perseroan telah menyusun Tata Kelola Pelanggaran governance, the Company has developed the Whistleblowing
(Whistleblowing System) di Lingkungan PT Bank Pembangnan System PT Bank Pembangunan Jawa Barat dan Banten, Tbk
Jawa Barat dan Banten, Tbk sesuai dengan SK Direksi nomor in accordance with the Decree of the Board of Directors No
708/SK/DIR-KP/2014 tanggal 7 Oktober 2014. 708/SK/DIR-KP/2014 dated October 7, 2014.
Sejalah dengan hal tersebut, untuk meningkatkan peran aktif In addition, to increase active participation of the
para pelapor (whistleblower) mengungkapkan/mengadukan whistleblower revealing/denouncing violations committed
tindakan pelanggaran yang dilakukan para Direksi, Dewan by the Board of Directors, Board of Commissioners, and
Komisaris, dan pegawai, maka Perseroan telah membentuk employees, the Company has established Whistleblowing
Sistem Pengaduan Pelanggaran (whistleblowing system/ System/WBS of the Company.
WBS) Perseroan.
1. Penyampaian Laporan Pelanggaran 1. Submission of the Report on Violation

Divisi Audit Internal memiliki Standar Operasional The Internal Audit Division posseses a Standard Operating
Prosedur Strategi Anti Fraud, dimana dalam SOP tersebut Procedure of Anti-Fraud Strategy, in which the mechanism
tercantum mekanisme pengaduan/pengungkapan/ of complaint/disclosure/revelation of the actions of fraud
penyingkapan tindakan fraud dan/atau tindak pidana and/ or criminal acts in banking is contained, named the
di bidang perbankan yang yang disebut whistleblowing whistleblowing system.
system. 1) Every employee who knows the indications of fraud
1) Setiap pegawai yang mengetahui terjadinya indikasi must report to the Internal Audit division cq Anti Fraud
terjadinya fraud wajib melaporkan kepada divisi Audit Work Unit or the Head of the respective Work Unit
Internal c.q Unit Kerja Anti Fraud atau Pemimpin BDDPNQBOJFECZTVGmDJFOUQSFMJNJOBSZFWJEFODF
Satuan Kerja masing masing disertai dengan bukti 2) Reports on the indications of fraud received by the Unit
permulaan yang cukup. Head must be submitted to the Internal Audit Division
2) Laporan indikasi tindakan fraud yang diterima oleh no later than three (3) working days after the report is
pemimpin Satuan Kerja wajib disampaikan kepada received.
Divisi Audit Internal selambat-lambatnya 3 (tiga) hari 3) The complaint can be channeled through;
kerja setelah laporan tersebut diterima.
3) Pengaduan tersebut dapat dilakukan melalui;
Hotline/Helpdesk Anti Fraud: 0896-1041-3373 Hotline/Anti Fraud Helpdesk: 0896-1041-3373

E-mail : AntiFraud@bankbjb.co.id E-mail : AntiFraud@bankbjb.co.id
Fax : 022-4219176 Fax : 022-4219176
Website : www.bankbjb.co.id Website : www.bankbjb.co.id
Surat : Divisi Audit Internal c.q Tim Audit Fraud Letter : Internal Audit Division cq Fraud Audit Team
Menara bank bjb Lantai 6 Menara bank bjb 6th Floor
Jl Naripan no 12-14 Jl. Naripan no 12-14
Bandung 40111, Jawa Barat Bandung 40111, West Java

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2. Sistem Perlindungan Pelapor 2. Protection for the Whistleblower

Standar Operasional Prosedur Strategi Anti Fraud Anti Fraud Strategy Standard Operating Procedure
menjamin kerahasiaan dan perlindungan pengungkapan/ FOTVSFT DPOmEFOUJBMJUZ BOE QSPUFDUJPO PG EJTDMPTVSF
pelaporan tindakan fraud; reporting of fraud acts;
1) Identitas pelapor dan pelaporan fraud yang
5IFDPOmEFUJBMJUZPGUIFJEFOUJUZPGUIFSFQPSUFSBOEUIF
disampaikan, dijamin kerahasiannya oleh Bank. fraud reporting submitted will be guaranteed by the
2) Bank berkomitmen melindungi setiap pelapor Bank.
pengungkapan fraud yang memiliki itikad baik. 2) The bank is committed to protect any disclosure of
3) Pengungkapan/pelapor kejadian Fraud dilindungi fraud reporting with good faith.
oleh Bank dari segala bentuk ancaman, intimidasi, 3) Disclosure/ reporting of fraud incidence is protected by
penundaan kenaikan pangkat, pemecatan, gugatan the Bank from all forms of threats, intimidation, delayed
IVLVN QFOHSVTBLBO IBSUB CFOEB UJOEBLBO mTJL promotions, termination of employment, lawsuit,
hukuman atau tindakan tidak menyenangkan lainnya destruction of property, physical action, penalty or
dari terlapor, bank atau dari pihak lain selama pelapor other unpleasant act by the reported party, the bank
menjaga kerahasiaan kasus yang diadukan kepada or other parties as long as the reporter guarantees the
pihak manapun. DPOmEFOUJBMJUZPGUIFDBTFSFQPSUFEUPBOZQBSUZ
4) Perlindungan ini juga berlaku bagi pegawai yang 4) This protection also applies to employees who carry
melaksanakan investigasi maupun pihak yang out investigations as well as those who provide
memberikan informasi terkait dengan pengaduan/ information related to the complaint/ disclosure.
penyingkapan. 5) The party who reported the act of fraud/criminal act
5) Pelapor yang menyampaikan laporan tindakan JO UIF mFME PG CBOLJOH UIBU JT B GBLF TMBOEFS BSF OPU
fraud dan/atau tindak pidana dibidang perbankan entitled for the protection of the Bank.
ZBOH CFSTJGBU QBMTVmUOBI UJEBL CFSIBL NFOEBQBU
perlindungan dari Bank.
3. Penanganan Pengaduan 3. Handling of Complaint

Setelah menerima laporan indikasi tindakan fraud, After receiving the fraud action indication reports,
selanjutnya akan dilakukan investigasi terhadap investigation will be conducted on the complaint. The steps
pengaduan tersebut. Adapun langkah kerjanya mulai dari DPNNFODFE XJUI DPOEVDUJOH JOJUJBM mMJOH FTUBCMJTIJOH
melakukan pemberkasaan awal, menyusun organisasi an investigative organization, determining the work plan,
investigasi, menyusun rencana kerja, mengumpulkan collecting and managing the data as well as analysing
dan mengelola data serta menganalisis barang bukti, UIF FWJEFODF DPOEVDUJOH JOUFSWJFXTDPOmSNBUJPO
melakukan interviewLPOmSNBTJJOUSPHSBTJ QBSB TBLTJ EBO interrogation of witnesses and suspects, and preparing
tersangka, dan menyusun laporan kemajuan pemeriksaan. the investigation progress report.

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4. Pengelolan Pengaduan 4. Complaint Management

Pengelolaan pengaduan dilakukan oleh Divisi Audit The management of complaints is conducted by the
Internal di Grup Anti Fraud dimulai dari pengaduan sampai Internal Audit Division in the Anti Fraud Group starting
dengan pelaporan kepada pihak yang berwenang. from the reporting of complaints up to reporting the
Laporan Fraud yang diperkirakan berdampak negatif BVUIPSJUJFT 'SBVE SFQPSUT FTUJNBUFE UP IBWF TJHOJmDBOU
TFDBSB TJHOJmLBO UFSIBEBQ CBOL EBOBUBV OBTBCBI negative impact on the bank and/or customers, including
termasuk berpotensi menjadi perhatian publik, wajib to have the potential of becoming a public concern, shall
dilaporkan kepada Direksi dan Bank Indonesia selambat be reported to the Board of Directors and Bank Indonesia
lambatnya 3 (tiga) hari kerja setelah investigasi selesai no later than three (3) working days after the investigation
dilaksanakan. is completed.
5. Laporan Penyelesaian WBS Tahun 2014 5. 2014 WBS Settlement Report

Selama tahun 2014 tidak ada Laporan pengaduan yang There were no complaint report received by the
diterima oleh Perseroan. Company in 2014.

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Tanggung Jawab
Sosial Perusahaan
Corporate Sosial Responsibility

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• Kepedulian terhadap Lingkungan Hidup 595

Caring to the Environment
• Pengembangan Sosial Kemasyarakatan 599

Social Community Development
• Tanggung Jawab kepada Konsumen 604

Responsibility to the Customer
• Pengelolaan Ketenagakerjaan 609

Employment

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TANGGUNG JAWAB
SOSIAL PERUSAHAAN
CORPORATE SOCIAL RESPONSIBILITY

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Bagi bank bjb (“Perseroan”), pelaksanaan tanggung jawab For bank bjb (“Company”), the implementation of corporate
sosial perusahaan (Corporate Social Responsibility/CSR) social responsibility (CSR) is not just an obligation, but
bukan sekadar kewajiban, tetapi telah menjadi komitmen it has become the Company’s commitment to help build
Perseroan untuk turut membangun masyarakat dan lingkungan. the community and the environment. This commitment is
Komitmen tersebut diwujudkan melalui penyaluran dana CSR manifested through the distribution of CSR funds for a number
untuk sejumlah kegiatan. of activities.
Program CSR pada dasarnya merupakan wujud nyata peran CSR program is basically a concrete manifestation of bank
serta bank bjb dalam peningkatan kualitas hidup masyarakat. bjb’s participation in improving the public’s quality of life.
Hal itu dilakukan melalui peningkatan dan perbaikan di This was carried out through the increase and improvement
sektor pendidikan, kesehatan, dan lingkungan hidup yang in education, health, and the environment in various parts of
tersebar di berbagai wilayah Jawa barat, Banten dan wilayah West Java, Banten and other operational areas of bank bjb.
operasional bank bjb lainnya.
Rangkaian kegiatan tersebut dilakukan bank bjb bukan These series of activities were carried out by bank bjb not
hanya untuk memenuhi amanat peraturan pemerintah only to comply to the mandate of the Government Regulation
nomor 47 tahun 2012 tentang tanggung jawab sosial dan No. 47 of 2012 on social and environmental responsibility of
lingkungan perseroan terbatas. Namun, bank bjb menyadari limited liability company. Instead, bank bjb is fully aware that
sepenuhnya bahwa keberlanjutan bisnis perusahaan akan the company’s business sustainability will depend on how the
tergantung bagaimana Perseroan membangun ikatan dengan Company builds bonds with its environment.
lingkungannya.
Sejalan dengan hal itu, bank bjb telah melaksanakan fungsi In line with this matter, bank bjb has implemented the social
dan tanggung jawab sosial melalui penyaluran dana CSR yang function and responsibility through the disbursement of CSR
dikelola secara khusus oleh Grup CSR. Unit kerja ini dibentuk funds that is managed exclusively by the CSR Group. This unit
berdasarkan Surat Keputusan Direksi PT bank pembangunan was formed based on the the Decree of the Board of Directors
Daerah Jawa barat dan banten nomor 701/SK/DiR-CS/2009 of PT bank pembangunan Daerah Jawa Barat dan banten
tentang pengelolaan Dana Corporate Social Responsibility number 701/SK/Dir-CS/ 2009 on the management of Corporate
(CSR), yang diperbarui dengan Surat Keputusan Direksi Social Responsibility (CSR) funds, which was updated by the
nomor 015/SK/DiR-CS/2011 tanggal 7 Januari 2011 tentang Decree of the Board of Director number 015/SK/DiR-CS/2011
pengelolaan Dana Corporate Social Responsibility (CSR). dated 7 January 2011 on the management of the Corporate
Social Responsibility (CSR) Funds.
Berdasarkan surat keputusan tersebut, telah ditunjuk Based on the decree, head of the Corporate Secretary
pemimpin Divisi Corporate Secretary dan pemimpin Grup Division and head of the CSR Group have been appointed as
CSR selaku pengelola dana CSR bank bjb. managers of bank bjb’s CSR funds.
Landasan Hukum Legal Basis

Dalam pengelolaan dan pelaksanaan CSR bank bjb mengacu In the management and implementation of CSR, bank bjb
pada peraturan-peraturan berikut: refers to the following regulations:
1. Peraturan Pemerintah nomor 47 tahun 2012 tentang 1. Government Regulation No. 47 of 2012 on Corporate
Tanggung Jawab Sosial dan Lingkungan Perseroan Social Responsibility and the Environment of a Limited
Terbatas. Liability Company.
2. Hasil Rapat Umum Pemegang Saham Tahunan Perseroan 2. Results of the Annual General Meeting of Shareholders of
tahun buku 2013. UIF$PNQBOZGPSUIFmTDBMZFBS
3. Surat Keputusan Direksi Nomor 116/SK/DiR-CS/2012 3. The Decree of the Board of Directors No. 116/SK/DiR-
tanggal 14 Februari 2012 tentang Pedoman Pelaksanaan CS/2012 dated 14 February 2012 on CSR Implementation
CSR. Guidelines.

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tanggal 22 Juni 2010 tentang Kewenangan Pemberian CS/2010 dated 22 June 2010 on the Authority of Corporate
Persetujuan Dana Corporate Social Responsibility (CSR). Social Responsibility (CSR) Fund Provision Approval.
tentang Pengelolaan Dana Corporate Social Responsibility CS/2011 on Corporate Social Responsibility (CSR) Fund
(CSR). Management.
tentang Perlakuan Terhadap Rekening Giro Dana CS/2011 on Treatment of Corporate Social Responsibility
Corporate Social Responsibility (CSR). (CSR) Current Account Funds.
Fokus Pelaksanaan Implementation Focus

Program CSR bank bjb pada dasarnya meliputi peningkatan The CSR program of bank bjb basically includes the
kualitas hidup di sektor pendidikan, kesehatan, dan improvement of the quality of life in education, health, and the
lingkungan hidup. Dalam pelaksanaannya, bank bjb bekerja environment. In its implementation, bank bjb cooperates with
sama dengan pemerintah daerah maupun mitra-mitra seperti local authorities and partners such as foundations, institutions,
yayasan, lembaga, organisasi maupun perguruan tinggi. organizations and universities. All CSR activities undertaken
Seluruh kegiatan CSR yang dilaksanakan bank bjb harus by bank bjbNVTUQSPWJEFBEEFEWBMVFUPJUTCFOFmDJBSJFTBOE
memberikan nilai tambah bagi penerima manfaat serta spread to various sectors and regions.
tersebar ke berbagai sektor dan wilayah.
Kegiatan tanggung jawab sosial yang dilaksanakan bank bjb Social responsibility activities performed by bank bjb also
juga menerapkan prinsip keberlanjutan dan kesinambungan apply the sustainability and continuity principles in its
dalam pelaksanannya. Dengan begitu, komitmen untuk implementation. Therefore, the commitment to contribute to all
memberikan kontribusi bagi segenap pemangku kepentingan stakeholders can actually materialize in line with the business
dapat benar-benar terwujud sejalan dengan perkembangan development of bank bjb which is accelerating.
bisnis bank bjb yang kian melesat.

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Dana CSR CSR Funds

Dana CSR bank bjb tahun 2014 bersumber dari: CSR funds of bank bjb in 2014 originate from:
1. Penyisihan laba setelah pajak dengan besaran yang 1SPWJTJPO PG QSPmU BGUFS UBY XJUI UIF BNPVOU EFUFSNJOFE
ditetapkan oleh Rapat Umum pemegang Saham (RUPS). by the General Meeting of Shareholders (GMS). The
Perseroan kembali mengalokasikan sebagian dari $PNQBOZ SFBMMPDBUF B QPSUJPO PG UIF QSPmU GPS $43
perolehan laba bagi program CSR, sesuai hasil RUPS programs, in accordance with the results of the Annual
tahunan. Keputusan itu mengatur bahwa laba Perseroan, (.4 5IF EFDJTJPO SFHVMBUFT UIBU UIF $PNQBOZT QSPmUT
antara lain digunakan untuk dana CSR maksimal 5% (lima among others, are used to fund CSR with a maximum of
persen). mWFQFSDFOU

2. Bunga Jasa Giro Program CSR. 2. Interest of CSR Pogram’s Current Account Services.
Berdasarkan Keputusan Direksi nomor 591/SK/DiR- Based on the Decree of the Board of Directors No. 591/
CS/2011 tanggal 20 oktober 2011 tentang perlakuan SK/DiR-CS/2011 dated 20 October 2011 on Treatment of
terhadap Rekening Giro Dana Corporate Social Corporate Social Responsibility (CSR) Current Account
Responsibility (CSR), dana CSR yang ditempatkan Funds, CSR funds that are placed in the CSR current
di rekening giro CSR tidak diberikan jasa giro serta account is not given current account services and
dibebaskan dari seluruh biaya dalam aktivitas gironya. exempted of all cost in the activities of its account.
Namun tidak dilakukan koreksi atas jasa giro dan biaya However no correction will be conducted on account
yang telah diberikan/dibebankan sebelum keputusan services and the fees which have been granted/imposed
direksi tersebut diberlakukan. prior to the enforcement of the board of directors’ decision.
3. Sisa dana CSR tahun sebelumnya yang belum disalurkan. 3. Remaining CSR funds from the previous year which has
Sepanjang tahun 2014, bank bjb telah menyalurkan dana not been distributed. Throughout 2014, bank bjb has
CSR. Dari jumlah tersebut, komposisi penyalurannya disbursed CSR funds. Of these, the composition of the
berdasarkan peruntukannya adalah: distribution based on the designation is:
Uraian 2013 2014 Description

Bidang Lingkungan Hidup 50,90% 46,13% Environmental Sector
Bidang Pendidikan 30,89% 42,58% Education Sector
Bidang Kesehatan 18,21% 18,21% Health Sector
A. KEPEDULIAN TERHADAP LINGKUNGAN HIDUP A. CARING TO THE ENVIRONMENT

Kegiatan CSR di bidang lingkungan hidup pada dasarnya $43 BDUJWJUJFT JO UIF mFME PG UIF FOWJSPONFOU JT CBTJDBMMZ
ditujukan untuk memperbaiki kualitas lingkungan hidup, intended to improve the quality of the environment,
khususnya di wilayah Jawa Barat. Realisasi penggunaan particularly in the West Java area. The realization of
dana untuk sektor lingkungan hidup sejumlah funds utilization for the environmental sector amounted
Rp21,28 miliar atau 46% dari total dana CSR tahun to Rp21.28 billion or 46% of the total 2014 CSR funds
2014 yang digunakan. Kegiatan pada sektor ini meliputi used. Activities in this sector include the construction
pembangunan atau perbaikan prasarana umum dan or repair of public utilities and infrastructure as well as
infrastruktur serta perbaikan dan peningkatan kualitas the improvement and enhancement of the environment,
lingkungan hidup, pemberdayaan masyarakat dan community development and other activities that have
kegiatan lainnya yang memiliki nilai manfaat dalam CFOFmDJBMWBMVFTJOJNQSPWJOHUIFQVCMJDTRVBMJUZPGMJWJOH
peningkatan kulitas lingkungan hidup, taraf hidup, dan environment, standard of living, and welfare.
kesejahteraan masyarakat.

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Salah satu upaya untuk meningkatkan kesejahteraan One of the effort to improve the welfare of the community
masyarakat adalah melalui program stimulan seperti is through stimulant programs such as assistance for
bantuan bagi kelompok usaha dan rehabilitasi rumah business groups and rehabilitation of uninhabitable
tidak layak huni. Kegiatan rehabilitasi rumah tidak layak houses. Rehabilitation of uninhabitable houses activity was
huni dilaksanakan di Kabupaten Bandung, Kabupaten carried out in the Bandung Regency, Gianyar Regency,
Gianyar, Kota Tasikmalaya, Kota Tangerang Selatan, Kota Tasikmalaya CIty, South Tangerang City, Depok City,
Depok, Kabupaten Sumedang, Kota Cirebon, Kabupaten Sumedang Regency, Cirebon City, Bogor Regency, Banjar
Bogor, Kota Banjar, Kota Cilegon, Kota Bogor. Program City, Cilegon City, Bogor City. This program, in turn, has the
ini pada gilirannya bertujuan untuk memacu tumbuhnya objective to spur the growth of consciousness, willingness,
kesadaran, kemauan, dan kepedulian masyarakat dalam and concern of the community in improving the quality of
meningkatkan kualitas hidup. Bantuan bagi kelompok life. Assistance for business groups and rehabilitation of
usaha dan rehabilitasi rumah tidak layak huni dilaksanakan uninhabitable houses were carried out in collaboration
bekerja sama dengan Pemerintah Daerah masing-masing, with the respective Local Government, institution, or local
lembaga, atau masyarakat setempat. communities.
Penyaluran dana CSR juga disalurkan untuk Program The disbursement of CSR funds was also channeled for
Kampung Kreatif bekerja sama dengan BCCF (Bandung the Creative Village Program in collaboration with BCCF
Creative City Forum) yang bertujuan untuk merencanakan (Bandung Creative City Forum) which aims to plan and
dan memperbaiki infrastruktur kampung-kampung improve the infrastructures of villages as a means of
sebagai sarana pendukung pengembangan ekonomi supporting the development of creative economy and
kreatif dan menciptakan wirausaha-wirausaha kreatif creating creative entrepreneurs both individually or
baik perorangan atau komunitas dan dengan program communal, with this program, the villages are expected to
ini diharapkan kampung tersebut menjadi kampung yang become creative and independent villages.
kreatif dan mandiri.
Mengisi bulan Ramadhan, bank bjb juga memberikan 5P mMM UIF NPOUI PG 3BNBEIBO CBOL bjb also provide
bantuan kepada sarana panti asuhan-panti asuhan di infrastructures assistance to orphanages in the Bandung
wilayah sekitar Bandung dan sekitarnya sesuai kebutuhan area and its surroundings according to their respective
masing-masing dan bagi anak-anak panti diberikan paket needs and the orphans were given eid packages.
lebaran.
Terkait bencana yang terjadi, bank bjb turut serta dalam Related to disasters that occured, bank bjb participates
upaya meringankan beban dan pemulihan kondisi in the efforts to lighten the load and recovery of conditions
masyarakat serta terlibat dalam upaya pencegahan in the community and are involved in prevention efforts
melalui bantuan perahu karet, bantuan kebutuhan pokok through rubber boat assistance, basic needs assistance
dan pembangunan hunian bagi korban serta pengadaan and construction of shelter for victims as well as
sarana pendukung untuk SAR, BPBD, dan PMI. procurement of supporting infrastructures for the SAR,
BPBD, and PMI (Indonesia Red Cross).
Untuk maksud tersebut, sejumlah kegiatan yang sudah For this purpose, a number of activities that have been
dijalankan sepanjang tahun 2014 antara lain: carried out throughout 2014 are, among others:
1. Memberikan bantuan kepada Badan Koordinasi 1. Provide assistance to the Indonesia-Bandung Student
Mahasiswa Indonesia-Bandung untuk kegiatan Coordination Board for the activity of planting 10,000
penanaman 10.000 pohon yang terdiri dari pohon trees consisting of White Teak tree White, Alba/
Jati Putih, Alba/Sengon, Surian dan Mahoni dengan Sengon, Surian and Mahogany trees at the Kp.

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lokasi penanaman di Kp. Cipulus Desa Cilengkrang Cipulus Cilengkrang Village Regency of Bandung
Kab. Bandung dan wilayah lainnya di Kota Bandung, and other areas in the city if Bandung, Regency of
Kabupaten Sumedang, Kabupaten Subang, hingga Sumedang, Regency of Sumedang, up to the Regency
Kabupaten Majalengka. of Majalengka planting sites.
2. Memberikan bantuan kepada Komunitas Masyarakat 2. Provide assistance to Environmental Care Community
Peduli Lingkungan RW 020 Margahayu Bekasi Timur of RW 020 Margahayu East Bekasi which organized the
yang mengadakan kegiatan lomba kebersihan held the cleanliness and environmental conservation
dan pelestarian lingkungan yang bertujuan untuk competition that aims to motivate people to realize
memotivasi masyarakat agar menyadari pentingnya the importance of environmental conservation. These
pelestarian lingkungan. Kegiatan tersebut juga activities were also intended to change the people’s
dimaksudkan untuk mengubah pola pikir dan perilaku mindset and behavior to have a concern on the
masyarakat agar peduli pada lingkungan. environment.
3. Memberikan bantuan untuk pemulihan kondisi 3. Provide assistance for the recovery of communities in
masyarakat di wilayah Karawang dan Bekasi yang ,BSBXBOHBOE#FLBTJXIPBSFWJDUJNTPGnPPETBTXFMM
menjadi korban bencana banjir serta untuk kegiatan BTGPSUIFnPPEEJTBTUFSNBOBHFNFOUBDUJWJUJFTJOUIF
penanggulangan bencana banjir di wilayah tersebut. region.
4. Kepedulian dalam mengurangi emisi karbon 4. Concern in reducing carbon emissions was realized
diwujudkan melalui dukungan terhadap car free day through the support for the car free day through the
lewat bantuan 20 (dua puluh) unit sepeda kepada assistance of 20 (twenty) bicycles to the Tourism Police
Unit Polisi Pariwisata Satuan Sabhara Polrestabes Unit of the Sabhara Unit of Polrestabes Bandung to
Kota Bandung untuk menjalankan fungsinya dalam perform its functions in conducting patrols to maintain
melaksanakan patroli untuk menjaga ketertiban dan order and security in the car free day.
kemananan car free day. 5. Coinciding with its 53rd anniversary, bank bjb
5. Bertepatan dengan HUT ke-53, bank bjb bekerja sama cooperates with FK3I (Indonesian Conservation
dengan FK3I (Forum Komunikasi Kader Konservasi Volunteers Communication Forum) in planting 1,000
Indonesia) melakukan Penanaman 1.000 Pohon di trees in the TAHURA (Public Forest Park) of Ir. H.
TAHURA (Taman Hutan Rakyat) Ir. H. Djuanda Provinsi Juanda, West Java Province. This activity, provided
Jawa Barat. Kegiatan ini, di antaranya memberikan BNPOH PUIFST IZESPMPHJDBM CFOFmUT OBNFMZ QMBOU
manfaat hidrologis, yakni bahwa tanaman sebagai as rainwater absorber. Thus creating catchments/
penyerap air hujan. Dengan demikian akan menjadikan HSPVOEXBUFSTVQQMJFTUIBUDBOGVMmMMMJWJOHSFRVJSFNFOUT
daerah resapan/persediaan air tanah yang dapat for humans and other living creatures.
memenuhi kehidupan bagi manusia dan makhluk 6. The concern of bank bjb for the environment is also
lainnya. manifested in the form of support for the development
6. Kepedulian bank bjb terhadap lingkungan juga of Green House, which is mostly used for cultivation,
diwujudkan berupa dukungan terhadap pembangunan fertilization, and plant resistance to pests and
Green House, yang sebagian besar digunakan untuk diseases experimental researches. SMAN I Sindang
penelitian percobaan budidaya, pemupukan, serta of the Indramayu Regency become one of the school
ketahanan tanaman terhadap hama maupun penyakit. that cares about the development of agribusiness in
SMAN I Sindang Kabupaten Indramayu menjadi salah Indonesia, because through the presence of the Green
satu sekolah yang peduli terhadap perkembangan House enabled the creation of a climate that can make
agribisnis di Indonesia, karena dengan adanya Green crop production without observing the season and
House mampu menciptakan iklim yang bisa membuat able to avoid the attack of pests and diseases.
tanaman berproduksi tanpa kenal musim juga mampu
menghindarkan dari serangan hama dan penyakit.

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7. Kegiatan lainnya yang dilaksanakan yaitu Penataan 7. Another activity performed was the Arrangement of
Taman Kota Cilegon. Penataan ini bertujuan untuk Cilegon City Park. This arrangement is aimed to create
menciptakan dan meningkatkan kualitas lingkungan and improve the quality of the environment, not only
hidup, tidak hanya menjadikan Taman di Kota Cilegon making the park in the City of Cilegon orderly, but the
tertata dengan baik, namun juga manfaatnya dirasakan CFOFmUTXFSFBMTPQFSDFJWFECZUIFMPDBMDPNNVOJUZ
oleh masyarakat setempat. 8. Water Hyacinth Cutting Machines provided to help
8. Bantuan Mesin Pencacah Eceng Gondok diberikan solve the environmental problems in the Situ Bagendit
untuk membantu permasalahan lingkungan di Garut Regency area, considering the spread of the
Kawasan Situ Bagendit Kabupaten Garut, mengingat water hyacinth has reached 126 hectares on the
penyebaran Eceng Gondok tersebut sudah mencapai surface, diminishing the beauty of Situ Bagendit. The
126 hektar di permukaan sehingga mengganggu cutting tool is expected to help the people who have
keindahan Situ Bagendit. Alat pencacah tersebut joined forces to eradicate the water hyacinth and
diharapkan dapat membantu masyarakat yang selama making Situ Bagendit to once again become the lake
ini bahu membahu membasmi eceng gondok dan Situ that is celebrated by the citizens of Garut.
Bagendit kembali menjadi situ yang dibanggakan 9. The construction of the Creative House in the City of
warga Garut. Bandung, in collaboration with the Saung Kadeudeuh
9. Pembangunan Rumah Kreatif di Kota Bandung, Foundation. The creative house is a household waste
bekerja sama dengan Yayasan Saung Kadeudeuh. management center. The creative house will provide
Rumah kreatif ini merupakan pusat kegiatan education and training in managing household waste
pengelolaan limbah rumah tangga. Rumah Kreatif UPQSPWJEFCFOFmUTGPSUIFMPDBMSFTJEFOUT CSJOHJOHJO
akan memberikan penyuluhan dan pelatihan dalam extra income for them.
mengelola limbah rumah tangga hingga memberikan 10. Waste management is also carried out in the
manfaat bagi warga sekitar sampai mendatangkan procurement of trash cans and garbage containers
penghasilan tambahan. as well as the Green School program which is the
10. Pengelolaan sampah juga dilakukan dalam provision of organic waste management technology
penngadaan tong sampah dan kontainer sampah applications Biomethagreen. This concept exists as an
serta program Green School yakni berupa pemberian alternative for waste management, particularly organic
aplikasi pengelolaan sampah organik teknologi waste. The Biomethagreen installation is a biogas
Biomethagreen. Konsep ini hadir sebagai alternatif plant using the airtight (anaerobic) principle. The
pengelolaan sampah khususnya sampah organik. end product of the fermentation process are organic
Instalasi Biomethagreen merupakan pembangkit fertilizer and biogas for household fuel and as energy
biogas dengan menggunakan prinsip kedap udara for electricity generator.
(anaerob). Produk akhir dari proses fermentasi 11. The construction of Integrated Waste Management
menghasilkan pupuk organik dan biogas untuk Place (TPST) in Bandung City in cooperation with
bahan bakar rumah tangga maupun sebagai energi the Saung Kadeudeuh Foundation and Health PD
pembangkit generator listrik. of Bandung City. At the TPST location, Biodigester,
11. Pembangunan Tempat Pengelolaan Sampah Terpadu Creative House, MCK ++ (plus-plus) and small
(TPST) di Kota Bandung kerja sama dengan Yayasan mosques were built. The TPST is the activity center
Saung Kadeudeuh dan PD Kebersihan Kota Bandung. in the management of household waste, so that it
Di lokasi TPST tersebut dibangun Biodigester, Rumah DBO QSPWJEF CFOFmUT GPS UIF MPDBM QFPQMF 5IFTF
Kreatif, MCK++ (plus-plus) dan Mushala. TPST ini integrated waste management activities are expected
merupakan pusat kegiatan dalam pengelolaan limbah to be a stimulant for the communities to manage the
rumah tangga sehingga dapat memberikan manfaat household waste properly and create a beautiful and
bagi warga sekitar. Kegiatan pengelolaan sampah healthy environment.
terpadu seperti ini diharapkan menjadi stimulan bagi
warga dalam mengelola limbah rumah tangga dengan
baik dan benar serta menciptakan lingkungan yang
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12. Pembangunan green house, pemberian tong sampah 12. The construction of green houses, provision of garbage
dan pot bunga, penataan ruang terbuka hijau dan DBOTBOEnPXFSQPUT TUSVDUVSJOHPGPQFOHSFFOTQBDF
penataan taman kota, penataan taman sekolah, dan and arrangement of the city parks, school garden
sebagainya. arrangement, and others.
B. PENGEMBANGAN SOSIAL KEMASYARAKATAN B. SOCIAL COMMUNITY DEVELOPMENT
Untuk program CSR di bidang sosial kemasyarakatan, 'PS$43QSPHSBNTJOUIFTPDJBMmFME BOVNCFSPGBDUJWJUJFT

sejumlah kegiatan yang sudah dilaksanakan adalah: that have been implemented are:
1. Bantuan pembuatan gapura sebagai akses masuk 1. Assistance in the gate construction as an entry in the
di Sentra Industri Keripik Kelurahan Setiamanah, Setiamanah District Chips Industry Center, Cimahi
Kota Cimahi. Di antara tujuannya, demi mendukung City. Among its objectives, to support the economics
perekonomian maupun pemberdayaan masyarakat. and community empowerment.
2. Memberikan bantuan modal usaha, di antranya 2. Provide capital support, among others to:
kepada: a. Business group in the Tasikmalaya Regency
a. Kelompok usaha di Kabupaten Tasikmalaya yang FOHBHFE JO UIF mFME PG BHSJDVMUVSF BOE BOJNBM
bergerak di bidang pertanian dan peternakan. husbandry.
b. Pokdakan Tirta Karunia Kota Depok. b. Pokdakan Tirta Karunia of Depok City.
c. Koperasi dan pelaku usaha menengah ke bawah c. Cooperative and medium to small businesses in the
di Kabupaten Serang, Banten. Serang Regency, Banten.
d. Sejumlah lanjut usia di Kabupaten Bandung, Jawa d. A number of elderlies in the Bandung Regency,
Barat. West Java.
3. Program Penumbuhan Komunitas Usaha Mikro Garsel 3. The Garsel Micro Business Growth Community
Yayasan Sahabat Mandiri Kabupaten Garut, Jawa program of the Sahabat Mandiri Foundation in the
Barat. Garut Regency, West Java.
4. Pembangunan kios di sepanjang jalan utama 4. Construction of stalls along the main roads of the
Kabupaten Purwakarta. Purwakarta Regency.

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• Bidang Pendidikan • Education

Program CSR kepada dalam bidang pendidikan $43 QSPHSBNT JO UIF mFME PG FEVDBUJPO JT BJNFE
ditujukan mulai dari pendidikan anak usia dini hingga ranging from early childhood education up to higher
perguruan tinggi, sekolah kejuruan maupun pendidikan education, vocational schools and exceptional child
anak luar biasa. Penyaluran terbesar diberikan education. The biggest disbursement was given to
bagi sekolah dasar, dengan mempertimbangkan elementary school, taking into account that the basic
bahwa pengetahuan dasar, kepribadian, akhlak, dan knowledge, personality, character, and initial skills
keterampilan awal dimulai dari pendidikan dasar yang starts from a good basic education.
baik.
Penyediaan sarana dan prasarana pendidikan The provision of educational facilities is still on bank
pendidikan masih menjadi agenda kegiatan CSR bjb’s CSR Activities’ agenda, since there are still
bank bjb, mengingat masih banyak sarana dan many school facilities and infrastructures that are not
prasarana sekolah yang belum layak menjadi tempat adequate to become a learning place, neither formal
pembelajaran baik itu sekolah formal maupun sekolah and non-formal schools.
non formal.

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Total dana CSR sebesar Rp19.642.418.448 disalurkan Total CSR funding in the amount of Rp19,642,418,448
untuk sektor ini. Selain pembangunan dan renovasi was channeled to this sector. In addition to the
ruang kelas, bantuan sarana dan prasarana sekolah construction and renovation of classrooms, school
terus dilakukan seperti bantuan alat-alat praktek facilities and infrastructures assistance continued to
untuk sekolah kejuruan, pengadaan meubelair, alat be carried out such as practice tools assistance for of
permainan edukatif bagi pendidikan anak usia dini, vocational schools, procurement of furniture, educational
pembangunan/perbaikan lapangan dan fasilitas game tools for early childhood education, construction/
olahraga, bantuan komputer serta bantuan bagi SFQBJSPGmFMETBOETQPSUTGBDJMJUJFT DPNQVUFSBTTJTUBODF
koperasi sekolah. as well as assistance for school cooperatives.
Kepedulian bank bjb pada masalah pendidikan The concern of bank bjb on educational issues is
berdasarkan keyakinan bahwa anak-anak Indonesia based on the belief that the Indonesian children has
punya potensi dan kemampuan untuk menjadi the potential and the ability to become future leaders
pemimpin masa depan yang mampu menempatkan who will be able to put Indonesia equal with developed
Indonesia sejajar dengan negara-negara maju. countries. In fact, there are still many children who
Faktanya, masih banyak anak-anak yang putus dropped out of school and are not able to continue their
sekolah dan tidak dapat melanjutkan pendidikan FEVDBUJPOUPBIJHIFSMFWFMEVFUPmOBODJBMQSPCMFNT
mereka ke jenjang yang lebih tinggi karena masalah
mOBOTJBM
Perseroan ingin membuka akses pendidikan seluas- The Company wishes to open the access to education
luasnya, khususnya bagi siswa berprestasi yang as wide as possible, particularly for outstanding
berasal dari keluarga prasejahtera melalui pelatihan- students coming from disadvantaged families through
pelatihan dan beasiswa. Dengan begitu, kita dapat training and scholarships. By doing so, we can create
mencetak generasi terbaik yang akan membawa the best generation that will bring progress for the
kemajuan bagi negeri ini. country.
Program beasiswa yang telah dilaksanakan Scholarship programs that have been implemented
diantaranya beasiswa kepada mahasiswa Universitas are among others the provision of scholarships to
Pasundan, Universitas Swadaya Gunung Jati, dan students of the University Sundanese, University of
STIE Ekuitas. Selain beasiswa, kolaborasi dengan STIE Swadaya Gunung Jati, and STIE Ekuitas. In addition
Ekuitas juga terjalin dalam program Studepreneur. to scholarships, collaboration with STIE ekuitas is also
Studepreneur sendiri merupakan program yang performed in the Studepreneur program. Studepreneur
dipersiapkan bagi mahasiswa yang sudah memulai is a program that is prepared for students who have
usaha. Program ini digelar agar mahasiswa memiliki started a business. The program is held so students
pengetahuan yang lengkap tentang dunia bisnis have a complete knowledge of the business world
langsung dari para pelaku usaha yang berhasil. directly from successful businesses. Other trainings
Pelatihan lainnya yakni pelatihan pendidikan are the Kampung Parigi entrepreneurship education
kewirausahaan Kampung Parigi Kabupaten training in the Pangandaran Regency and training
Pangandaran dan pelatihan pemanfaatan internet bagi for internet usage for educators in the Sumedang
para pendidik di Kabupaten Sumedang bekerja sama Regency in cooperation with the Education Council of
dengan Dewan Pendidikan Kabupaten Sumedang. Sumedang Regency.

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Sejumlah kegiatan yang sudah dilaksanakan di A number of activities which have been performed are,
antaranya: among others:
1. Pengembangan sumber daya manusia melalui 1. Development of human resources through
edukasi bahasa Inggris, seperti Youth Speak Fun education in English, such as the Youth Speak
Day, yaitu program edukasi bahasa Inggris yang Fun Day, an English language education program
dikemas secara menarik yang diselenggarakan that is attractively packaged, organized by ISLC
oleh ISLC (Indonesia Student Leadership Camp) (Indonesian Student Leadership Camp) III together
III bersama Universitas Indonesia. with the University of Indonesia.
2. Turut serta dalam program “Gerakan Seribu Buku“, 2. Participate in the “Thousand Books Movement”
berupa pemberian buku-buku bacaan,buku tulis program, which is the provision of textbooks,
serta rak buku bagi sekolah dan siswa Sekolah exercise books as well as bookshelves for schools
Dasar. and elementary school students.
3. Memberikan bantuan alat-alat praktek sekolah 3. Provide practice tools assistance in the form
berupa Tool Set, Timing Light Milion, Las Listrik, of Tool Set, Timing Light Milion, Electric Weld,
Kompresor, Las Karbit (Asetelin), Bor Duduk, Compressor, Carbide (Asetelin) Weld, Drill Press,
Baterai, Charger Baterai Besar untuk sekolah Batteries, Large Battery Charger for automotive
Kejuruan otomotif, pengadaan meubelar dan alat vocational school, procurement of furnitures and
permainan edukatif bagi pendidikan anak usia educational game and tools for early childhood
dini, pembangunan/perbaikan ruang kelas serta education, construction/ repaur of classrooms as
bantuan bagi koperasi sekolah. well as assistance for school cooperatives.
4. Menyalurkan beasiswa kepada 13 mahasiswa 4. Distribute scholarships to 13 University of
Universitas Pasundan, Universitas Swadaya Pasundan, University of Swadaya Gunung Jati, and
Gunung Jati, dan STIE Ekuitas, yang di antaranya STIE Ekuitas students, among which is intended
bertujuan sebagai motivasi para mahasiswa agar as a motivation for the students to further improve
dapat lebih meningkatkan prestasinya di bidang their academic performance.
akademik. 5. In cooperation with STIE Ekuitas, bank bjb held
5. Bekerja sama dengan STIE Ekuitas, bank bjb studepreneur, enhancing the skills of the students
mengadakan studepreneur, peningkatkan JOUIFmFMEPGFOUSFQSFOFVSTIJQBOEUIFQSPWJTJPOPG
keterampilan para mahasiswa di bidang 10 scholarships to Students with Achievements.
kewirausahaan dan pemberian Beasiswa kepada 6. Entrepreneurship education training of Kampung
10 Mahasiswa Berprestasi. Parigi, Pangandaran Regency and internet usage
6. Pelatihan pendidikan kewirausahaan Kampung training for educators in the Sumedang Regency,
Parigi, Kabupaten Pangandaran dan pelatihan in collaboration with the Education Council of the
pemanfaatan internet bagi para pendidik di Sumedang Regency.
Kabupaten Sumedang, bekerja sama dengan
Dewan Pendidikan Kabupaten Sumedang.
• Sektor Kesehatan • Health Sector

Kualitas kesehatan masyarakat adalah salah satu The quality of public health is one of the main factors
faktor utama bagi meningkatnya kesejahteraan for the increase in the welfare of society. In fact, there
masyarakat. Pada kenyataannya, masih terdapat are still communities who do not have access to health
kelompok masyarakat yang belum memiliki akses facilities provided by the government. Therefore, bank
ke fasilitas kesehatan yang disediakan pemerintah. bjb is encouraged to participate as well as assist in
Oleh karena itu, bank bjb tergerak untuk berperan providing, repairing and improving the infrastructures
serta membantu menyediakan, memperbaiki dan and quality of public health services.
meningkatkan sarana prasarana dan kualitas layanan
kesehatan masyarakat.

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Corporate Data
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Peningkatan, penyediaan, dan perbaikan fasilitas Enhancement, provision, and improvement of health
kesehatan pada tahun 2014, antara lain dilakukan facilities in 2014 were conducted through the following
melalui kegiatan: activities:
1. Pembangunan sarana dan prasarana Puskesmas 1. The construction of facilities and infrastructures
dan Posyandu, pembangunan dan rehabilitasi of integrated health centers (Puskesmas and
MCK (Mandi Cuci Kakus), pengadaan sarana dan Posyandu), construction and rehabilitation of
prasarana Rumah Sakit Umum serta pengadaan MCK (Bath Wash Toilet), provision of facilities and
sarana air bersih. Pengadaan sarana air bersih infrastructure of Public Hospital as well as the
dilakukan dengan memperbaiki atau membangun procurement of clean water. The procurement of
saluran air bersih serta pengadaan tangki air dan clean water supply was carried out by repairing or
pompa air. building water pipelines as well as the procurement
2. Untuk memaksimalkan pelayana kesehatan dan of water tank and water pump.
memudahkan untuk kegiatan operasional, selama 2. To maximize health services and facilitate
tahun 2014 bank bjb menyerahkan sebanyak lima operational activities, during 2014, bank bjb
ambulan kepada PMI Kabupaten Bogor, RSUD EPOBUFE mWF BNCVMBODFT UP UIF 1.* PG #PHPS
dr. Slamet Kabupaten Garut, Pusunda Denpasar Regency, dr. Slamet Hospital in the Garut Regency,
Bali, RSUD Indramayu, dan Masjid Al-Muhajirin Pusunda Denpasar Bali, Indramayu Hospital, and
Kota Depok. Al-Muhajirin Mosque in Depok.
3. bank bjb juga turut berpartisipasi pada kegiatan 3. bank bjb also participated in health training and
pelatihan-pelatihan dan seminar-seminar seminar activities aimed at promoting, educating
kesehatan yang bertujuan untuk mempromosikan, and building the awareness of the public on health
mengedukasi dan membangun kesadaran issues such as drugs, free sex and HIV/ AIDS.
masyarakat mengenai kesehatan seperti narkoba, 4. Coinciding with the 69th Indonesia Independence
sex bebas dan HIV/AIDS. Day, bank bjb organized a series of activities
4. Bertepatan dengan HUT RI ke-69 bank bjb such as blood donation, cataract surgery, cleft
mengadakan rangkaian kegiatan berupa donor lip surgery, hernia surgery, and Kampung Nutrisi.
darah, operasi katarak, operasi bibir sumbing, Kampung Nutrisi was conducted in 5 RW in the

Pendahuluan
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operasi fernia, dan Kampung Nutrisi. Kampung Braga District of Bandung with activities, including
Nutrisi ini dilaksanakan di 5 RW di Kecamatan the provision of nutritional packages, provision of
Braga Kota Bandung dengan kegiatan, meliputi food packages, and poor nutrition counseling.
pemberian paket nutrisi, pemberian paket 5. Another activity is the routine bank bjb program that
sembako, dan penyuluhan gizi buruk. is conducted during the school holidays, namely
5. Kegiatan lainnya adalah program rutin bank the mass circumcision activity. In 2014 bank bjb
bjb yang dilakukan pada masa liburan anak carried out the mass circumcision activity in the
sekolah, yaitu kegiatan khitanan massal. Pada Tangerang Regency with a total of 200 children
tahun 2014 bank bjb melaksanakan khitanan participating in the activity. The mass circumcision
massal di Kabupaten Tangerang dengan jumlah activity is regularly held every year in major cities
peserta khitan sebanyak 200 anak yang diadakan in Indonesia.
Kegiatan khitanan massal rutin diselenggarakan
setiap tahun di kota-kota besar di Indonesia.
C. TANGGUNG JAWAB KEPADA KONSUMEN C. RESPONSIBILITY TO THE CUSTOMER
Kebijakan Policy
Perseroan memiliki komitmen yang tinggi untuk memenuhi 5IF $PNQBOZ IBT B TUSPOH DPNNJUNFOU UP GVMmMM JUT
tanggung jawab kepada konsumen dan nasabahnya. responsibilities to consumers and customers. For bank
Bagi bank bjb, nasabah merupakan rekan utama dalam bjb, the customer is the main partner in every step of the
setiap langkah pengembangan usaha yang dilakukan development efforts of the company. Therefore, bank bjb
perseroan. Oleh karena itu, bank bjb menempatkan put customer satisfaction as a basic principle in each of its
kepuasan nasabah sebagai prinsip dasar dalam setiap services.
pelayanannya.
Pengembangan budaya layanan pada tahun 2013 The development of the services culture in 2013 is
diarahkan kepada terciptanya services culture. Hal itu directed to the creation of services culture. This was
dilakukan melalui implementasi Pengembangan Budaya conducted through the implementation of the Cultural
Layanan di seluruh outlet bank bjb, implementasi Services Development across the bank bjb outlets, the
TUBOEBSEJTBTJBTQFLmTJL Premises) di seluruh outlet bank implementation of physical (Premises) physical aspect at
bjb dan evaluasi implementasi pengembangan budaya all outlets of bank bjb and implementation evaluation of
layanan di seluruh outlet bank bjb. Standar ukuran yang the development of services culture throughout bank bjb
digunakan seperti tercatat dalam kategori bank umum outlets. Standard measurements are used as recorded in
nasional penilaian Bank Service Excellent Monitoring the category of national banks of Bank Monitoring Service
(BSEM) versi MRI (Marketing Research Indonesia). Excellent (BSEM) version of MRI (Marketing Research
Indonesia).
bank bjb juga telah membuat pedoman standar bank bjb has also created the services standard
pelayanan, roadmap, dan blue print sebagai acuan guidelines, road map and blue print as a reference in
dalam membangun budaya layanan bank bjb. Road Map building the services culture of bank bjb. Road Map to
membangun budaya layanan disusun berupa tahapan build the services culture prepared target stages to be
target yang harus dicapai selama tiga tahun. Hal ini achieved over three years. This is used as a guidelines in
dijadikan pedoman dalam penyusunan inisiatif strategis the preparation of strategic initiatives and action plans.
dan rencana kerja.

Introduction
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a. Tahun 2012-2013 sebagai tahun “The Best Ten in a. 2012-2013 as “The Best Ten in Service” year with the
Service” dengan target menjadi 10 besar di antara target of becoming the top 10 commercial bank in
bank umum nasional di Indonesia dan 10 besar Indonesia and top 10 in the MRI version of services
scoring index layanan versi MRI. scoring index.
b. Tahun 2013-2014 sebagai tahun “The Best Seven in b. 2013-2014 as “The Best Seven in Service” year with
Service” dengan target menjadi 7 besar di antara the target of becoming the top 7 commercial bank
bank umum nasional di Indonesia dan 7 besar scoring in Indonesia and top 7 in the MRI version of services
index layanan versi MRI. scoring index.
c. Tahun 2014-2015 sebagai tahun “The Best Five in c. 2014-2015 as “The Best Five in Service” year with
Service” dengan target menjadi 5 besar di antara the target of becoming the top 5 commercial bank
bank umum nasional di Indonesia dan 5 besar scoring in Indonesia and top 5 in the MRI version of services
index layanan versi MRI. scoring index.
2012
“The Best Ten In Service”
2013
2014
1. Penyempurnaan Buku dan Video 1. Implementasi Pengembangan Budaya 1. Sustainability Program

Standar Layanan Layanan di seluruh outlet bank bjb Pengembangan Budaya Layanan
2. Pembuatan Sistem Aplikasi Service 2. Implementasi standarisasi aspek ﬁsik 2. Sustainability Service Culture
Measurement (Premises) di seluruh outlet bank bjb 3. Perbaikan Business Process
3. Penyelesaian Buku Panduan 3. Evaluasi Implementasi Pengembangan 4. Program Quick Win Pencapaian 5
Standarisasi Aspek Fisik (Aspek Budaya Layanan di seluruh outlet Besar MRI
Premises) bank bjb
4. Implementasi Pengembangan Budaya 4. Terciptanya service culture 1. Sustainability Program for Service
Layanan, termasuk aspek ﬁsik pada 8 5. Program Quick Win Pencapaian 7 Culture Development
outlet pilot Besar MRI 2. Sustainability Service Culture
5. Evaluasi Implementasi pada 8 outlet 3. Improving Business Process
pilot 1. Implementing Service Culture 4. Quick Win Program to Achieve MRI
6. Program Quick Win Pencapaian 10 Development in all of bank bjb Best 5
Besar MRI outlets
2. Implementing the Standardization of
1. Improving the Books and Videos on Physical Aspects (Premises) in all of
Services Standard bank bjb outlets
2. Preparing the Service Measurement 3. Evaluating the Implementation of
Application System Service Culture Development in all of
3. Completion of Guidelines for bank bjb outlets
Standardization of Physical Aspects 4. The establishment of service culture
(Premises) 5. Quick Win Program to Achieve MRI
4. Implementing Service Culture Best 7
Development, including physical
aspects on 8 pilot outlets
5. Evaluating the Implementation of 8
pilot outlets
6. Quick Win Program to Achieve MRI
Best 10

Pendahuluan
Laporan Manajemen
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Pelaksanaan Kegiatan Implementation Activities

Pada Tahun 2013, bank bjb melakukan implementasi In 2013, bank bjb conducts the implementation of the
budaya layanan dan aspek premises di seluruh outlet services culture and the premises aspect in all bank bjb
bank bjb dengan melakukan monitoring per semester di by performing supervision semi annually in all branches.
seluruh kantor cabang. Kegiatan tersebut dilakukan Divisi The activity was conducted by the Networks and Services
Jaringan dan Layanan. Division.
Untuk meningkatkan kualitas pelayanan di seluruh outlet To improve the quality of service in all outlets of bank bjb,
bank bjb, Divisi Jaringan dan Layanan melakukan Kegiatan the Network and Services Division conducts the awards or
apresiasi atau penghargaan kepada karyawan, yaitu appreciation activities to employees, namely the BBSEA
program BBSEA (bank bjb Service Excellence Award). (bank bjb Service Excellence Award) program. This
Kegiatan ini diadakan rutin setiap tahun, sebagai wujud activity is held regularly every year, as a form of tribute to
penghargaan kepada para frontliner (teller, customer the frontliner (tellers, customer service, security guards),
service, satpam), dan supervisor. and supervisors.
Seleksi program BBSEA dilakukan mulai dari tahap The selection for the BBSEA program is carried out
seleksi awal di kantor cabang masing-masing. TUBSUJOH GSPN UIF JOJUJBM TFMFDUJPO JO FBDI CSBODI PGmDF
Kemudian, seleksi tingkat wilayah yang meliputi aspek Then, regional selection, covering aspects of soft
soft competency (kemampuan berkomunikasi/tes lisan competency (the ability to communicate/oral test and
dan kualitas data) dan hard competency (roleplay, tes data quality) and hard competency (roleplay, written tests,
tulis, performance), dan seleksi tingkat nasional yang performance), and the national selection which includes
meliputi pemberian training classical, table manner, tes providing classical training, table manner, roleplay test,
roleplay, dan persentase hasil benchmarking. Sedangkan and the percentage of benchmarking results. The winner
pengumuman pemenang dilaksanakan pada acara announcement is conducted at the BBSEA awarding
awarding BBSEA. ceremony.
Selain penghargaan dari kategori frontliner dan supervisor, In addition to the award for the frontliner and supervisors
saat awarding diumumkan pula penghargaan pelayanan category, during the award, the best services for back
bagi CBDLPGmDF terbaik, cleaning service terbaik, cabang PGmDF CFTUDMFBOJOHTFSWJDFT CFTUCSBODITFSWJDFTJOUIF
pelayanan terbaik kategori Pemda dan Non-Pemda, serta Government and Non Gevernment category, as well as
KCP pelayanan terbaik. CFTUTVCCSBODIPGmDFXFSFBMTPBOOPVODFE
Untuk mendukung kegiatan peningkatan pelayanan To support the improvement of services to customers, the
kepada nasabah, Divisi Jaringan dan Layanan melakukan Network and Services Division perform evaluation services
evaluasi pelayanan melalui: through:
a. BSEM (Bank Service Excellence Monitoring). a. BSEM (Bank Service Excellence Monitoring).
b. External mystery shopping untuk mengukur performa b. External mystery shopping to measure the performance
layanan dan memperoleh gambaran mengenai of the service and obtain a descrition of the customer
customer experience terhadap actual service delivery experience to the actual service delivery of bank bjb
dari layanan bank bjb. services
c. Self Assessment. c. Self Assessment.
d. Monitoring/pendampingan. d. Monitoring/mentoring.
e. Customer Satisfaction Index. e. Customer satisfaction Index.

Introduction
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$PNQBOZ1SPmMF
Corporate Data
607
Dampak Keuangan/Biaya dari pelaksanaan kegiatan Finance/Cost Impact of Implementation Activities

Pelaksanaan kegiatan tanggung jawab perusahaan The implementation of CSR activities to the customer do
kepada para konsumen tidak memiliki dampak keuangan OPUIBWFBOZmOBODJBMJNQBDUCFDBVTFUIFGVOETGPSUIJT
karena dana untuk kegiatan ini telah dianggarkan pada activity has been budgeted in the relevant year and in
tahun yang bersangkutan dan sesuai dengan Rencana accordance with the Bank’s Business Plan.
Bisnis Bank.
Perlindungan Nasabah Customers Protection
1. Keberadaan Pusat Pengaduan Konsumen 1. Presence of Customer Complaint Center

Sistem Pengaduan Konsumen merupakan salah satu The Consumer Complaint System is a means to improve
bentuk peningkatan perlindungan nasabah dalam rangka customer protection in order to secure consumers’ rights
menjamin hak-hak nasabah dalam berhubungan dengan when dealing with the bank. Customer complaints need
bank. Pengaduan nasabah harus diselesaikan dengan immediate and appropriate resolutions as they have all
baik karena apabila tidak diselesaikan dengan baik oleh potentials to generate disputes between customers and
bank berpotensi menjadi perselisihan atau sengketa yang the bank when not properly responded. Currently, bank
pada akhirnya akan dapat merugikan nasabah dan atau bjb has an integrated system of consumer complaints
bank. Saat ini bank bjb telah memiliki sistem pengaduan through several channels such as:
konsumen yang terpadu melalui beberapa saluran - Verbal Complaints, which are verbally and directly
pengaduan seperti: delivered to the bank, including through the facility bjb
- Pengaduan secara lisan adalah Pengaduan yang call 14049
diajukan secara langsung termasuk melalui telepon - Written complaints, usually expressed in a letter
termasuk melalui sarana bjb call 14049 including through e-mail, facsimile or other electronic
- Pengaduan secara tertulis adalah pengaduan yang means, and other media that have facilities for clear
diajukan melaui surat termasuk sarana/media seperti identity of the complainant, to avoid the handling
e-mail, faksimili atau sarana elektronik lainnya, serta written complaints that are submitted anonymously/ by
media massa yang dilengkapi dengan identitas irresponsible person.
pengadu yang jelas, untuk menghindari penanganan
pengaduan tertulis tanpa identitas/surat kaleng.
2. Uraian Mengenai Tindak Lanjut Terhadap Pengaduan 2. Description of Complaint Handling Follow Up
a. Pengaduan secara lisan a. Verbal complaints
Pengaduan secara lisan wajib diselesaikan paling A verbal complaints shall be resolved no later than 2
lambat 2 (dua) hari kerja secara kumulatif sejak tanggal (two) working days since the date of receipt, and when
penerimaan pengaduan, jika diperlukan perpanjangan deemed necessary, a time extension of 20 working
waktu wajib diselesaikan paling lama 20 (dua puluh) days to settle an unresolved complaint since the
hari kerja sejak tanggal penerimaan pengaduan. receipt of the complaint shall be set.
b. Pengaduan secara tertulis b. Written Complaints
Pengaduan secara tertulis wajib diselesaikan A written complaint shall be settled no later than 20
paling lama 20 (dua puluh) hari kerja sejak tanggal (twenty) working days from the date of receipt with
penerimaan pengaduan atau dapat diperpanjang extension period up to 20 (twenty) working days when
jangka waktunya sampai dengan paling lama 20 (dua the followings occur:
puluh) hari kerja berdasarkan pertimbangan sebagai
berikut:

Pendahuluan
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1. Kantor Cabang yang menerima pengaduan tidak 1. When a customer submits complaint to a different
sama dengan Kantor Cabang tempat terjadinya branch from that where his/her dissatisfaction has
permasalahan yang diadukan dan terdapat taken place, and there has been communication
kendala komunikasi diantara kedua Kantor problem between the two branches;
Cabang tersebut; 2. When a customer or a customer’s reresentative
2. Transaksi keuangan yang diadukan oleh nasabah TVCNJUT B DPNQMBJOU DPOUBJOJOH mOBODJBM JTTVFT
dan atau perwakilan nasabah memerlukan that need special examination on certain bank
penelitian khusus terhadap dokumen-dokumen documents;
bank; 3. When there are other matters beyond the Bank’s
3. Terdapat hal-hal lain yang berada di luar kendali control such as an involvement of third parties in
Bank seperti adanya keterlibatan pihak ketiga UIFSFMFWBOUDVTUPNFSTmOBODJBMUSBOTBDUJPOT
di luar Bank dalam transaksi keuangan yang
dilakukan nasabah.
3. Penyelesaian Pengaduan yang Diterima 3. Complaint Settlement

Apabila ada perpanjangan waktu penyelesaian In the event settlement of a complaint needs time
pengaduan nasabah wajib diberitahukan secara extension, the relevant customer or representative of
tertulis kepada nasabah atau perwakilan nasabah yang UIF DVTUPNFS TIBMM CF OPUJmFE JO XSJUJOH 5IF XSJUUFO
mengajukan pengaduan. Pemberitahuan secara tertulis OPUJmDBUJPOTIBMMBMTPFYQMBJOUIFSFBTPOTCFIJOETVDIUJNF
mencantumkan alasan perpanjangan jangka waktu FYUFOTJPO5IFCSBODIPGmDFXIJDISFDFJWFEUIFDPNQMBJOU
penyelesaian pengaduan. Kantor Cabang yang menerima from the customer or its representative is obliged to submit
pengaduan nasabah berkewajiban menyampaikan the letter of time extension to the customer as well as
surat pemberitahuan perpanjangan waktu penyelesaian coordinating with the Network and Service Development
pengaduan kepada nasabah serta berkoordinasi dengan Division, in which this matter will affect the quarterly
Divisi Jaringan dan Pengembangan Layanan karena hal reporting of Commercial Bank to Bank Indonesiarelated
tersebut akan mempengaruhi pelaporan Bank Umum to the customer’s complaint conducted quarterly by the
ke Bank Indonesia terkait pengaduan nasabah yang Network and Service Development Division.
dilakukan oleh Divisi Jaringan dan Pengembangan
Layanan setiap triwulan.
Evaluasi Layanan bjb Call 14049 Periode Januari Evaluation of the Services in bjb Call 14049
2014 s.d. Desember 2014 in the Period of January 2014 to December 2014
Januari / Februari/ Maret/ April/ Mei/ Juni/

No .ODVLÀNDVL&ODVLÀFDWLRQ
January February March April May June
I Penerimaan Layanan Telepon di bjb Call 6,997 5,544 6,960 9,387 8942 8,036
14049/
Calls Offered in bjb Call 14049
Ii Panggilan Tak Terangkat/ 3.89% 2.42% 5.36% 5.19% 6.06% 3.63%

Calls Abandon
Iii Informasi Saldo & 5 Transaksi terakhir via IVR/ 7,558 7,389 12,496 26,427 16,878 12,661
Balance Information & 5 Last Transaction via
IVR
Iv Komplain Saldo ATM Terdebet/ Complain over 180 120 174 156 174 176
ATM Debit Balances
V Permintaan Blokir ATM/ 559 518 564 601 720 624

Request to Block ATM

Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
609
Juli/ Agustus/ September/ Oktober/ November/ Desember/

No .ODVLÀNDVL&ODVLÀFDWLRQ
July August September October November December
I Penerimaan Layanan Telepon di bjb Call 10,760 11,395 9,916 9835 10,619 15,867
14049/
Calls Offered in bjb Call 14049
Ii Panggilan Tak Terangkat/ 5.25% 7.78% 5.90% 3.48% 6.56% 10.43%

Calls Abandon
Iii Informasi Saldo & 5 Transaksi terakhir via IVR/ 24,780 17,106 16,620 20,017 27,130 32,078
Balance Information & 5 Last Transaction via
IVR
Iv Komplain Saldo ATM Terdebet/ Complain over 243 139 194 165 127 304
ATM Debit Balances
V Permintaan Blokir ATM/ 860 733 652 808 864 966

Request to Block ATM
D. PENGELOLAAN KETENAGAKERJAAN D. EMPLOYMENT MANAGEMENT
Kesehatan dan Keselamatan Kerja (K3) Occupational Health and Safety (K3)
Untuk menjamin kelangsungan bisnisnya secara baik, To ensure the continuity of the business, bank bjb
bank bjb memiliki program Kesehatan dan Keselamatan conducts an Occupational Health and Safety program
Kerja yang terintegrasi di seluruh jaringan kantornya. Hal UIBU JT JOUFHSBUFE UISPVHIPVU JUT PGmDF OFUXPSL 5IJT JT
ini penting karena keselamatan dan kesehatan kerja dari important because the work health and safety of every
setiap insan bank bjb pada akhirnya juga akan menjamin member of bank bjb will ultimately ensure the interests of
kepentingan para stakeholdernya. its stakeholders.
• Kesehatan • Health
bank bjb berkomitmen secara serius untuk bank bjb is seriously committed to create a work
menciptakan lingkungan kerja yang sehat, aman dan environment that is healthy, safe and comfortable for
nyaman bagi setiap karyawannya. Demi menunjang every employee. In supporting this, bank bjb provides
hal tersebut, bank bjb menyediakan Klinik Kesehatan B)FBMUI$MJOJDJOFBDI3FHJPOBM0GmDF&BDIFNQMPZFF
di setiap Kantor Wilayah. Setiap karyawan dapat can easily use these facilities, so that their performance
memanfaatkan fasilitas tersebut secara mudah, can be maintained without major obstacles.
sehingga kinerja mereka dapat terjaga dengan baik
tanpa hambatan yang berarti.
Klinik Kesehatan yang tersebar di seluruh jaringan Health clinics are spread throughout the bank bjb’s
wilayah kerja bank bjb tersebut telah dilengkapi working area and have been equipped with adequate
dengan fasilitas dan kelengkapan yang memadai dan facilities and support, as well as reliable medical
juga tenaga-tenaga medis yang andal. personnel.
• Keselamatan Kerja • Safety

Di tahun 2014, bank bjb melanjutkan program In 2014, bank bjb continued its occupational safety
keselamatan kerja di seluruh jaringan kantornya. QSPHSBN BDSPTT JUT PGmDF OFUXPSL 4VDI QSPHSBN
Program tersebut antara lain meliputi program included the training program on the prevention and
pelatihan pencegahan dan penanganan kebakaran IBOEMJOHPGmSFBOEFBSUIRVBLF
maupun gempa bumi.

Pendahuluan
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Untuk mendukung hal di atas, kantor-kantor bank To support the above, bank bjbTPGmDFTBMTPQSPWJEF
bjb juga menyediakan fasilitas-fasilitas pendukung supporting fasilistas such as:
seperti:
1. Menerbitkan Buku Panduan Keselamatan 1. Publish a Handbook on Safety
2. Membangun dan menyediakan rambu-rambu 2. Establish and provide safety signs, evacuation and
keselamatan, evakuasi dan petunjuk siaga. safety guide.
3. Menyediakan meeting point khusus 3. Provide special meeting point
4. Menyediakan jendela pada setiap tangga darurat 4. Provide windows on each emergency stairs
5. Menguji coba hidrant secara berkala 5. Periodically test the hidrant
6. Memperbaharui alat pemadam kebarakaran setiap 3FOFXmSFFYUJOHVJTIFSTPODFFWFSZNPOUIT
6 bulan sekali. 7. Form a special team to handle emergencies in
7. Membentuk tim/regu penanganan keadaan darurat every business unit.
di setiap unit bisnisnya.
• Program lainnya • Other Programs

bank bjb juga memberikan pelatihan bagi karyawannya bank bjb also provides training for its employees on
dalam hal Penanganan Pertama pada Kecelakaan, First Aid, if there is an employee who suddenly fall ill
bila terdapat karyawan yang tiba-tiba sakit atau or experience an accident. In addition, employees are
kecelakaan. Selain itu, juga diberikan pelatihan untuk also given the training to handle emergency situations
menangani kondisi darurat yang diakibatkan adanya caused by the demonstration by parties outside bank
gerakan demonstarsi dari pihak luar bank bjb. bjb.
Serikat Karyawan (Sekar) Employees Union (Sekar)

Dalam rangka menjamin dan menciptakan hubungan In order to ensure and create a working relationship that is
kerja yang harmonis, dinamis, berkeadilan dan kondusif harmonious, dynamic, equitable and conducive between
antara Bank dan Pegawai sehingga dapat mendorong the Bank and Employees so as to encourage improvement
peningkatan kinerja Bank, kinerja pegawai dan on the Bank’s performance, employees’ performance and
kesejahteraan pegawai yang selaras dengan pelaksanaan employees’ well-being in line with the implementation of
visi, misi dan nilai-nilai budaya Bank serta dapat the vision, mission and values of the Bank’s culture and
menciptakan peningkatan produktivitas dan usaha to create increased productivity and sustainable banking
Bank yang berkesinambungan maka Bank memiliki business, the Bank has a registered its Employee Union
Serikat Pekerja yang terdaftar pada Dinas Tenaga JOUIF0GmDFPG.BOQPXFSBOE5SBOTNJHSBUJPO UIFDJUZPG
Kerja dan Transmigrasi Kota Bandung dengan nomor Bandung with registration No. 250/Sekar.BJ/2007-CTT.221-
bukti pencatatan No. 250/Sekar.BJ/2007-CTT.221- Disnaker/2007 known as Employees Union (Sekar) of bank
Disnaker/2007 yang dikenal dengan Serikat Karyawan bjb.
(Sekar) bank bjb.
Yayasan Kesejahteraan Pegawai Employee Welfare Foundation

bank bjb memiliki komitmen penuh untuk dapat terus bank bjb is fully committed to continue to improve the
meningkatkan kesejahteraan para pegawainya. Salah welfare of its employees. One of the efforts is having
satu upaya tersebut adalah dengan memiliki Yayasan the employee welfare foundation, namely Yayasan
Kesejahteraan Pegawai (YKP) Bank Jabar Banten. Kesejahteraan Pegawa (YKP) Bank Jabar Banten.
YKP Bank Jabar Banten bergerak dibidang sosial dan YKP Bank Jabar Banten is engaged in social and
kemanusiaan untuk meningkatkan kesejahteraan peserta humanitarian programs to improve the well-being of the
program yang memenuhi persyaratan. Untuk mencapai participants of the program who meet the requirements.

Introduction
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Corporate Data
611
maksud dan tujuan, kegiatan YKP Bank Jabar Banten To achieve its objectives, the activities performed by YKP
adalah melaksanakan: Bank Jabar Banten include:
1. Program Tunjangan Hari Tua 1. Annuities Program
Program ini memberikan manfaat berupa pemberian 5IJT QSPHSBN QSPWJEFT CFOFmUT TVDI BT PMEBHF
tunjangan hari tua bagi para pegawai bank bjb ketika allowance for employees of bank bjb when entering
memasuki masa pensiun/berhenti dari Bank. Sumber retirement/stop working at the Bank. The source
dana program ini berasal dari iuran pegawai dan iuran of funding of this program is the employees’ and
perusahaan. company’s contributions.
2 Program Bantuan Dana Kesehatan (Pensiunan) 2. Health Assistance Program (Retired)
Program bantuan dana kesehatan ini diperuntukan The health assistance program is intended for
bagi peserta yang menjalani rawat inap di rumah participants who are hospitalized in government and
sakit pemerintah dan swasta, sedangkan rawat inap private hospitals. Meanwhile hospitalization at a health
di klinik kesehatan/herbal/alternatif dan berobat jalan clinic/herbal/alternative and outpatient treatments
tidak dibiayai program ini. Peserta adalah penerima re not funded by this program. Participants are
bantuan yaitu mantan direksi para pensiunan pegawai CFOFmDJBSJFT OBNFMZ GPSNFS EJSFDUPST PG CBOL bjb,
bank bjb beserta istri dan anak yang masih menjadi employees and retired employees as well as his/ her
tanggungan yang terdaftar di dana pensiun bank bjb. spouse and dependent children, who are still enrolled
3. Program Layanan Kesehatan (Karyawan Aktif) in the pension fund of bank bjb.
Program layanan kesehatan ini merupakan layanan 3. Health Services Program (Active Employees)
administratif bagi peserta yang menjalani rawat jalan This Health care program includes administrative
dan rawat inap di rumah sakit pemerintah dan swasta. services for participants who undergo outpatient
Peserta adalah direksi para pegawai bank bjb beserta and inpatient treatments at government and private
istri dan anak yang masih menjadi tanggungan hospitals. Participants are directors of the Bank,
yang terdaftar di divisi SDM bank bjb. Sumber dana employees of bank bjb and his/her spouse and
program ini berasal bank bjb yang diadministrasikan dependent children, who are still enrolled in the human
sebagai dana titipan. resources division of bank bjb. The source of funding
of this program comes from bank bjb administered as
funds deposited.

Pendahuluan
Laporan Manajemen
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4. Program Pendidikan 4. Education Program

Program ini bertujuan membantu pemerintah daerah This program aims to assist local governments in
dalam menyediakan sarana pendidikan. Sumber dana providing educational facilities. The source of funding
program ini berasal sumbangan bank bjb. of this program comes from bank bjb’s donations.
YKP Bank Jabar Banten mendirikan telah mendirikan YKP Bank Jabar Banten has established a college,
sebuah perguruan tinggi, yaitu STIE EKUITAS, yang namely STIE EKUITAS, with program of study including
memiliki program studi Management (S1), Akuntansi Management (S1), Accounting (S1 & D3) and the
(S1 & D3) serta Keuangan dan Perbankan (D3). Finance and Banking (D3).
5. Program Bantuan lainnya. 5. Other Assistance Programs.
Program-program lain yang lebih bersifat sosial untuk Other programs which are more social for its
para peserta, termasuk juga membantu organisasi QBSUJDJQBOUT JODMVEJOH UIF BTTJTUBODF UP OPOPGmDJBM
non kedinasan seperti IKAPEN. organizations such as IKAPEN.

Introduction
Management Report
$PNQBOZ1SPmMF
Responsibility
Corporate Data
613
Laporan Keuangan
Konsolidasian

Pendahuluan
Laporan Manajemen
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Pendahuluan
Laporan Manajemen
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Introduction
Management Report
$PNQBOZ1SPmMF
Corporate Data
617

Pendahuluan
Laporan Manajemen
1SPmM1FSVTBIBBO
%BUB1FSVTBIBBO

The original consolidated financial statements included herein are in the
Indonesian language.

37%$1.3(0%$1*81$1'$(5$+ 37%$1.3(0%$1*81$1'$(5$+
-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
'$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6 619
/$325$1326,6,.(8$1*$1 &2162/,'$7('67$7(0(172)
.2162/,'$6,$1 ),1$1&,$/326,7,21
7DQJJDO'HVHPEHU $VRI'HFHPEHU
'LVDMLNDQGDODPMXWDDQ5XSLDK ([SUHVVHGLQPLOOLRQVRI5XSLDK
NHFXDOLGLQ\DWDNDQODLQ XQOHVVRWKHUZLVHVWDWHG

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'HFHPEHU 1RWHV 'HFHPEHU

$6(7 $66(76
Kas 2.767.678 2a,2d,4 2.595.260 Cash
Giro pada Current accounts with Bank

Bank Indonesia 5.177.942 2a,2d,2e,5 4.454.108 Indonesia
Giro pada bank lain 2a,2d,2e Current accounts with other banks
- pihak ketiga 128.604 2m,6 176.979 third parties -
Cadangan kerugian
penurunan nilai (62) (91) Allowance for impairment losses
128.542 176.888
Penempatan pada Bank 2a,2d,2f, Placements with Bank

Indonesia dan bank lain 2m,7 Indonesia and other banks
- pihak ketiga 4.764.263 2.629.337 third parties -
Cadangan kerugian
penurunan nilai (3.154) (352) Allowance for impairment losses
4.761.109 2.628.985
Surat berharga 2d,2g, Marketable securities

- pihak ketiga 7.125.371 2m,9 10.291.810 third parties -
Efek-efek yang dibeli dengan janji Marketable securities purchased

dijual kembali 568.461 2d,2h,2m,10 - under agreements to resell
Wesel ekspor dan tagihan lainnya 2d,2i, Bills and other receivables
- pihak ketiga 19.555 2m,11 44.721 third parties -
Kredit yang diberikan 2d,2k,2m,2af Loans

- pihak-pihak berelasi 873.083 12,43 929.529 related parties -
49.616.998 45.308.580
Cadangan kerugian
penurunan nilai (1.588.837) (1.019.520) Allowance for impairment losses
48.028.161 44.289.060
Pembiayaan syariah dan piutang Sharia financing and receivables -

syariah - setelah dikurangi after deducted by
margin ditangguhkan 2l,2m,2af, margin unamortized
- pihak-pihak berelasi - 13,43 2.248 related parties -
4.400.116 3.593.760
Cadangan kerugian
penurunan nilai (99.147) (62.094) Allowance for impairment losses
4.300.969 3.531.666
Tagihan akseptasi 18.435 2d,2m,2n,14 33.235 Acceptance receivables
Catatan atas laporan keuangan konsolidasian terlampir The accompanying notes to the consolidated financial
merupakan bagian yang tidak terpisahkan dari laporan keuangan statements form an integral part of these consolidated
konsolidasian ini secara keseluruhan. financial statements taken as whole.

1


37%$1.3(0%$1*81$1'$(5$+ 37%$1.3(0%$1*81$1'$(5$+
620 -$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
'$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6
/$325$1326,6,.(8$1*$1 &2162/,'$7('67$7(0(172)
.2162/,'$6,$1ODQMXWDQ ),1$1&,$/326,7,21FRQWLQXHG


$6(7ODQMXWDQ $66(76FRQWLQXHG
Penyertaan saham 2d,2m,2o,2af Investment in shares

Cadangan kerugian penurunan nilai (4.236) (7.569) Allowance for impairment losses
27.748 24.415
Aset tetap - Fixed assets -

setelah dikurangi net of accumulated
akumulasi penyusutan depreciation of Rp753,707
masing-masing sebesar Rp753.707 and Rp655,626, as of
dan Rp655.626 pada tanggal December 31, 2014 and 2013,
31 Desember 2014 dan 2013 1.044.844 2p,16 699.069 respectively
Aset pajak tangguhan - neto 6.959 2ac,26c 5.819 Deferred tax assets - net
Bunga yang masih akan diterima 452.642 2d,17 418.360 Interest receivables
2d,2m,2q,
Aset lain-lain - neto 1.408.121 2r,2s,18 1.764.837 Other assets - net
727$/$6(7 727$/$66(76

2


37%$1.3(0%$1*81$1'$(5$+ 37%$1.3(0%$1*81$1'$(5$+
-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
'$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6 621
/$325$1326,6,.(8$1*$1 &2162/,'$7('67$7(0(172)


/,$%,/,7$6'$1$6<,5.$+ /,$%,/,7,(67(0325$5<
7(0325(5'$1(.8,7$6 6<,5.$+)81'$1'(48,7<

/,$%,/,7$6 /,$%,/,7,(6
Liabilitas segera 1.812.382 2d,2t,19 1.945.539 Obligations due immediately
Simpanan nasabah 2d,2u,2af Deposits from customers

- pihak-pihak berelasi 16.845.043 20,43 11.769.248 related parties -
53.118.800 46.874.161
Simpanan nasabah - Syariah 2u,2af,20,43 Deposits from customers - Sharia

- pihak-pihak berelasi 439 260 related parties -
- pihak ketiga 368.651 346.280 third parties -
369.090 346.540
Simpanan dari bank lain 2d,2v2af Deposits from other banks

3.308.630 4.946.725
Liabilitas derivatif - 2d,2j,8 90 Derivatives payable
Efek-efek yang dijual dengan 2d,2w,22 Marketable securities sold under

janji dibeli kembali 2.062.916 2.978.073 agreements to repurchase
Liabilitas akseptasi 18.435 2d ,2n,14 33.235 Acceptances payable
Efek hutang yang diterbitkan - neto 1.721.901 1f,2d,2x,23 2.396.611 Debt securities issued - net
Pinjaman yang diterima 2d, 24 Borrowings

Estimasi kerugian Estimated losses on

komitmen dan kontinjensi 2.130 2an,25 1.498 commitments and contingencies
Hutang pajak 105.751 2ac,26a 101.676 Taxes payable
Liabilitas pajak tangguhan - neto 20.373 2ac,26c 23.971 Deferred tax liabilities - net
Bunga yang masih harus dibayar 121.606 2d,27 124.776 Interest payable
Liabilitas lain-lain 766.221 2d,2ad,28 799.593 Other liabilities
7RWDOOLDELOLWDV 7RWDOOLDELOLWLHV
'DQDV\LUNDKWHPSRUHU 2u,2af,29,43 7HPSRUDU\V\LUNDKIXQG

Bukan bank Non-bank
- pihak-pihak berelasi 5.047 5.774 related parties -
4.253.141 2.775.906
Bank Bank
7RWDOGDQDV\LUNDKWHPSRUHU 7RWDOWHPSRUDU\V\LUNDKIXQG

3


37%$1.3(0%$1*81$1'$(5$+ 37%$1.3(0%$1*81$1'$(5$+
-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
622 '$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6
/$325$1326,6,.(8$1*$1 &2162/,'$7('67$7(0(172)


(.8,7$6 (48,7<
Ekuitas yang dapat diatribusikan Equity attributable to equity

kepada pemilik entitas induk holders of the parent entity
Modal saham Share capital

nilai nominal Rp250 Rp250 (full amount)
(nilai penuh) per saham par value per share
Modal dasar: Authorized capital:
Seri A - 9.600.000.000 saham Class A - 9,600,000,000 shares
Seri B - 6.400.000.000 saham 2ak Class B - 6,400,000,000 shares
Modal ditempatkan dan disetor

penuh: Issued and fully paid capital:
Seri A - 7.272.218.666 saham Class A - 7,272,218,666 shares
Seri B - 2.424.072.500 saham 2.424.073 30 2.424.073 Class B - 2,424,072,500 shares
Tambahan modal disetor 823.423 2ai,31 823.423 Additional paid in capital
Saldo laba 2al Retained earnings

- telah ditentukan penggunaannya 2.661.163 2.041.782 appropriated -
- belum ditentukan penggunaannya 1.134.377 1.394.943 unappropriated -
Total ekuitas yang dapat diatribusikan Total equity attributable to equity

kepada pemilik entitas induk 7.043.036 6.684.221 holders of the parent entity
Kepentingan non-pengendali 40.571 2b,44 34.044 Non-controlling interest
7RWDOHNXLWDV 7RWDOHTXLW\
727$//,$%,/,7$6'$1(.8,7$6 727$//,$%,/,7,(6$1'(48,7<

4

37%$1.3(0%$1*81$1'$(5$+ 37%$1.3(0%$1*81$1'$(5$+
-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN 623
'$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6
/$325$1/$%$58*,.2035(+(16,) &2162/,'$7('67$7(0(172)
.2162/,'$6,$1 &2035(+(16,9(,1&20(
8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO )RU7KH<HDU(QGHG
'HVHPEHU 'HFHPEHU
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7DKXQ\DQJEHUDNKLUSDGDWDQJJDO'HVHPEHU
<HDUVHQGHG'HFHPEHU
&DWDWDQ
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3(1'$3$7$1 ,17(5(67$1'6+$5,$
%81*$'$16<$5,$+ ,1&20(
Pendapatan bunga dan syariah 8.562.830 2z,34 8.096.294 Interest and sharia income
Pendapatan provisi dan Sharia financing fees and
komisi pembiayaan syariah 228.990 2aa,34 36.694 commission income
8.791.820 8.132.988
%(%$1%81*$'$1 ,17(5(67(;3(16($1'
%$*,+$6,/6<$5,$+ (4.330.222) 2z,35 (3.350.845) 6+$5,$352),76+$5,1*
3(1'$3$7$1%81*$ 1(7,17(5(67
'$16<$5,$+1(72 $1'6+$5,$,1&20(

3(1'$3$7$123(5$6,21$/ 2aa,2k,2c,
/$,11<$ 2g,36 27+(523(5$7,1*,1&20(
Provisi dan komisi selain dari Non-loan related fees and
kredit yang diberikan 282.644 268.719 commissions
Penerimaan kembali kredit
yang telah dihapus buku 132.418 136.140 Recoveries from loans written-off
Keuntungan transaksi Gain from foreign exchange
valuta asing - neto 23.683 32.636 transactions - net
Keuntungan dari penjualan
surat berharga yang Gain on sale of held-for-trading
diperdagangkan - neto 2.761 1.926 marketable securities - net
Keuntungan yang belum direalisasi Unrealized gain on changes in
dari perubahan nilai wajar fair value of marketable
surat berharga - neto 67.934 - securities - net
Lain-lain 56.464 17.837 Others
565.904 457.258
%(%$123(5$6,21$//$,11<$ 2ab,2ad,2m, 27+(523(5$7,1*(;3(16(6

2g,2q,37 General and administrative
Beban umum dan administrasi (1.320.527) (1.256.991) expenses
Beban tenaga kerja dan tunjangan (1.320.129) (1.265.943) Salaries and employee benefits
Penyisihan kerugian penurunan nilai Provision for impairment losses on
atas aset keuangan dan financial and non-financial
non keuangan - neto (662.681) (616.067) assets - net
Kerugian yang belum direalisasi Unrealized loss on changes in
surat berharga - neto - (56.585) securities - net
Penyisihan kerugian komitmen Provision for losses on
dan kontinjensi (631) (65) commitments and contingencies
Lain-lain (307.699) (291.819) Others
(3.611.667) (3.487.470)
/$%$23(5$6,21$/ 23(5$7,1*,1&20(

3(1'$3$7$1%(%$1 12123(5$7,1*,1&20(
12123(5$6,21$/ (;3(16(6
Pendapatan non-operasional 37.984 38 27.497 Non-operating income
Beban non-operasional (15.329) 38 (26.554) Non-operating expenses
22.655 943


5

37%$1.3(0%$1*81$1'$(5$+ 37%$1.3(0%$1*81$1'$(5$+
624 -$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
'$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6
/$325$1/$%$58*,.2035(+(16,) &2162/,'$7('67$7(0(172)
.2162/,'$6,$1ODQMXWDQ &2035(+(16,9(,1&20(FRQWLQXHG
8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO )RUWKH<HDU(QGHG
'HVHPEHU 'HFHPEHU

<HDUVHQGHG'HFHPEHU
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/$%$6(%(/80 ,1&20(%()25(
%(%$13$-$. 7$;(;3(16(

%(%$13$-$.1(72 2ac,26b 7$;(;3(16(1(7

/$%$7$+81%(5-$/$1 ,1&20()257+(<($5

Pendapatan komprehensif lain Other comprehensive income
727$//$%$.2035(+(16,) 727$/&2035(+(16,9(,1&20(
7$+81%(5-$/$1 )257+(<($5

/$%$7$+81%(5-$/$1
<$1*'$3$7',$75,%86,.$1 ,1&20()257+(<($5
.(3$'$ $775,%87$%/(72
Pemilik entitas induk 1.116.095 1.372.913 Equity holders of the parent entity
Kepentingan non-pengendali 3.940 44 3.474 Non-controlling interest
727$/ 727$/

727$//$%$.2035(+(16,) 727$/&2035(+(16,9(
<$1*'$3$7',$75,%86,.$1 ,1&20()257+(<($5
.(3$'$ $775,%87$%/(72
Pemilik entitas induk 1.116.095 1.372.913 Equity holders of the parent entity
Kepentingan non-pengendali 3.940 3.474 Non-controlling interest
727$/ 727$/

/$%$3(56$+$0'$6$5 %$6,&($51,1*63(56+$5(
<$1*'$3$7',$75,%86,.$1 $775,%87$%/(72(48,7<
.(3$'$3(0,/,. +2/'(562)7+(
(17,7$6,1'8. 3$5(17(17,7<
1,/$,3(18+ 2ae,42 )8//$02817


6

The original consolidated financial statements included herein are in the Indonesian language.
37%$1.3(0%$1*81$1'$(5$+-$:$%$5$7'$1%$17(17EN 37%$1.3(0%$1*81$1'$(5$+-$:$%$5$7'$1%$17(17EN
'$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6
/$325$13(58%$+$1(.8,7$6.2162/,'$6,$1 &2162/,'$7('67$7(0(172)&+$1*(6,1(48,7<
8QWXN7DKXQ\DQJ%HUDNKLU3DGD7DQJJDO )RUWKH<HDU(QGHG'HFHPEHU
'HVHPEHU ([SUHVVHGLQPLOOLRQVRIUXSLDK
'LVDMLNDQGDODPMXWDDQUXSLDK XQOHVVRWKHUZLVHVWDWHG
NHFXDOLGLQ\DWDNDQODLQ

(TXLW\
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GLWHPSDWNDQ PRGDO 6DOGRODED5HWDLQHGHDUQLQJV (TXLW\

GDQGLVHWRU GLVHWRU DWWULEXWDEOHWR .HSHQWLQJDQ
SHQXK $GGLWLRQDO 7HODKGLWHQWXNDQ %HOXPGLWHQWXNDQ HTXLW\KROGHUV QRQSHQJHQGDOL
&DWDWDQ ,VVXHGDQGIXOO\ SDLGLQ SHQJJXQDDQQ\D SHQJJXQDDQQ\D RIWKHSDUHQW 1RQFRQWUROOLQJ 7RWDOHNXLWDV
1RWHV SDLGFDSLWDO FDSLWDO $SSURSULDWHG 8QDSSURSULDWHG HQWLW\ LQWHUHVW HTXLW\

6DOGR'HVHPEHU %DODQFHDVRI'HFHPEHU
Perubahan kepentingan non-pengendali - - - - - (1.635 ) (1.635) Change in non-controlling interest

Pembagian laba tahun 2012: Distribution of 2012 income:
Cadangan umum 33 - - 521.592 (521.592 ) - - - General reserve
Dividen kas 2ag,33 - - - (663.845 ) (663.845) - (663.845) Cash dividends
Dividen entitas anak 2ag - - - - - (1.482) (1.482) Dividend of subsidiary
Total laba komprehensif tahun berjalan - - - 1.372.913 1.372.913 3.474 1.376.387 Total comprehensive income for the year

Perubahan kepentingan non-pengendali 4.952 4.952 Change in non-controlling interest

Pembagian laba tahun 2013: Distribution of 2013 income:
Cadangan umum 33 - - 619.381 (619.381 ) - - - General reserve
Dividen kas 2ag,33 - - - (757.280 ) (757.280) - (757.280) Cash dividends
Dividen entitas anak 2ag - - - - - (2.365) (2.365) Dividend of subsidiary
Total laba komprehensif tahun berjalan - - - 1.116.095 1.116.095 3.940 1.120.035 Total comprehensive income for the year

Catatan atas laporan keuangan konsolidasian terlampir merupakan bagian yang tidak terpisahkan dari laporan keuangan The accompanying notes to the consolidated financial statements form an integral part of these consolidated financial

konsolidasian ini secara keseluruhan. statements taken as whole.

7
625
37%$1.3(0%$1*81$1'$(5$+ 37%$1.3(0%$1*81$1'$(5$+
-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
626 '$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6
/$325$1$586.$6.2162/,'$6,$1 &2162/,'$7('67$7(0(172)&$6+)/2:6
8QWXN7DKXQ\DQJ%HUDNKLUSDGD7DQJJDO )RUWKH<HDU(QGHG
'HVHPEHU 'HFHPEHU
<HDUVHQGHG'HFHPEHU
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$586.$6'$5,$.7,9,7$6 &$6+)/2:6)520
23(5$6, 23(5$7,1*$&7,9,7,(6
Penerimaan bunga dan syariah, Interest and sharia income fees and
provisi dan komisi 8.732.718 8.150.042 commissions received
Pembayaran bunga (4.332.101) (3.353.821) Interest expenses paid
Pembayaran beban karyawan (1.345.722) (1.205.041) Employee expenses paid
Pembayaran beban umum dan General and administrative
administrasi (1.222.446) (1.172.631) expenses paid
Penerimaan dari pendapatan Receipts from other
operasional lainnya 435.520 322.170 operating income
Penerimaan kredit yang Recoveries from loan
telah dihapusbuku 132.418 136.140 debts written - off
Pembayaran beban lainnya (310.055) (341.726) Other expenses paid
Pembayaran pajak
penghasilan (310.240) (367.536) Income tax paid
Penerimaan kas sebelum Receipts from cash before
perubahan dalam aset changes in operating
dan liabilitas operasi 1.780.092 2.167.597 assets and liabilities
Penurunan (kenaikan) dalam Decrease (increase) in
aset operasi: operating assets:
Surat Berharga (14.202) (176.670) Marketable securities
Wesel ekspor dan tagihan lainnya 25.166 22.679 Bills and other receivables
Penempatan pada Bank Indonesia Placement with Bank Indonesia
dan bank lain 26.094 461.964 and other banks
Kredit yang diberikan dan Loans and
pembiayaan syariah (5.171.974) (10.789.251) sharia financing
Tagihan akseptasi 14.800 191.740 Acceptances receivable
Aset lain-lain (6.348) (456.327) Other assets
Kenaikan (penurunan) Increase (decrease)
dalam liabilitas operasi: in operating liabilities:
Liabilitas segera (133.157) 184.404 Obligations due immediately
Simpanan: Deposits:
Giro 5.162.483 1.906.616 Current accounts
Tabungan 793.028 3.160.294 Savings account
Deposito berjangka 1.788.919 (5.678.228) Time deposits
Simpanan dari bank lain (1.590.268) (1.265.684) Deposits from other banks
Liabilitas akseptasi (14.800) (191.738) Acceptances payable
Liabilitas lain-lain 9.213 26.528 Other liabilities
Hutang pajak (8.877) 36.307 Taxes payable
Arus kas neto diperoleh dari Net cash provided by
(digunakan untuk) (used in) operating
aktivitas operasi 2.660.169 (10.399.769) activities
$586.$6'$5,$.7,9,7$6 &$6+)/2:6)520
,19(67$6, ,19(67,1*$&7,9,7,(6
Penerimaan dividen kas 7.928 6.116 Cash dividends received
Pembayaran atas jatuh tempo
(pembelian) surat Payment of matured
berharga yang dimiliki hingga (purchase of) held to maturity
jatuh tempo - neto 3.205.583 (6.065.951) marketable securities - net
Pembelian aset tetap (78.288) (52.991) Acquisitions of fixed assets
Efek-efek yang dibeli dengan janji Marketable securities purchased
dijual kembali (568.461) 11.567.261 under agreement to resell
Penambahan penyertaan saham - - Additional investments in shares
Hasil penjualan aset tetap 75 16 2.053 Proceeds from sale of fixed assets
Arus kas neto
diperoleh dari Net cash
aktivitas investasi 2.566.837 5.456.488 provided by investing activities
8
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Penerimaan (pembayaran) dari Proceeds from (repayment of)
efek-efek yang dijual marketable securities sold under
dengan janji dibeli kembali (915.157) 1.055.277 agreements to repurchase
Penerimaan dari
pinjaman yang diterima 132.153 93.177 Proceeds from borrowings
Penambahan modal entitas Additional paid-up capital
anak dari kepentingan of subsidiaries from
non pengendali - 500 non-controlling interest
Pembayaran dividen kas (757.280) 33 (663.845) Cash dividends paid
Pelunasan efek hutang Repayment of debt securities
yang diterbitkan (676.000) - issued
Arus kas neto diperoleh dari Net cash provided by
(digunakan untuk) (used in)
aktivitas pendanaan financing activities
.(1$,.$13(18581$11(72 1(7,1&5($6('(&5($6(,1

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Kas 2.767.678 4 2.595.260 Cash
Current accounts with
Giro pada Bank Indonesia 5.177.942 5 4.454.108 Bank Indonesia
Giro pada bank lain 128.604 6 176.979 other banks
Penempatan pada Bank
Indonesia dan bank lain - Placements with Bank
jangka waktu jatuh tempo Indonesia and other banks -
tiga bulan atau kurang sejak maturing within three months or
tanggal perolehan 4.764.541 7 2.603.400 less since the acquisition date
7RWDONDVGDQVHWDUDNDV 7RWDOFDVKDQGFDVKHTXLYDOHQWV

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PT Bank Pembangunan Daerah Jawa Barat PT Bank Pembangunan Daerah Jawa Barat
dan Banten Tbk (“Bank”) didirikan berdasarkan dan Banten Tbk (the “Bank”) was established
Peraturan Pemerintah No. 33 tahun 1960 based on the Government Regulation No. 33
tentang penentuan perusahaan milik Belanda year 1960 regarding the nationalization of a
di Indonesia yang dikenakan nasionalisasi. Dutch-owned company domiciled in
Salah satu perusahaan milik Belanda yang Indonesia. The regulation applied to a Dutch -
berkedudukan di Bandung yaitu N.V. Denis owned company, N.V. Denis
(De Eerste Nederlandsche Indische (De Eerste Nederlandsche Indische
Shareholding) terkena ketentuan tersebut dan Shareholding), which was then handed over to
diserahkan kepada Pemerintah Daerah the Regional Government of West Java
Provinsi Daerah Tingkat I Jawa Barat. Bank Province Level I. The Bank started its
telah mulai beroperasi secara komersial pada commercial operations on May 20, 1961.
tanggal 20 Mei 1961.
Sebagai tindak lanjut dari Peraturan Following the Government Regulation No. 33
Pemerintah No. 33 tahun 1960, Pemerintah year 1960, the Regional Government of West
Daerah Provinsi Daerah Tingkat I Jawa Barat Java Province Level I established Bank Karya
mendirikan Bank Karya Pembangunan, Pembangunan, as covered by Notarial Deeds
dengan Akta Notaris Noezar No. 152 No. 152 dated March 21, 1961 and No. 184
tanggal 21 Maret 1961 dan No. 184 tanggal dated May 13, 1961 of Noezar which was
13 Mei 1961 yang kemudian dikukuhkan approved based on Decision Letter of the
dengan Surat Keputusan Gubernur Provinsi Governor of West Java Province
Jawa Barat No. 7/GKDN/BPD/61 tanggal No. 7/GKDN/BPD/61 dated May 20, 1961,
20 Mei 1961 dengan nama PD Bank Karya using the name of PD Bank Karya
Pembangunan Daerah Jawa Barat. Pembangunan Daerah Jawa Barat. Based on
Berdasarkan Peraturan Daerah Provinsi Jawa Provincial Government Regulation No. 11/PD-
Barat No. 11/PD-DPRD/72 tanggal 27 Juni DPRD/72 dated June 27, 1972 of West Java
1972, kedudukan hukum PD Bank Karya Province, the legal status of PD Bank Karya
Pembangunan Daerah Jawa Barat dikukuhkan Pembangunan Daerah Jawa Barat was
sebagai Perusahaan Daerah yang berusaha di changed to become a Regional Enterprise
bidang perbankan. Selanjutnya, melalui engaged in a banking business.
Peraturan Daerah Provinsi Jawa Barat Subsequently, based on Provincial
No. 1/DP-40/PD/1978 tanggal 27 Juni 1978, Government Regulation No. 1/DP-40/PD/1978
nama PD Bank Karya Pembangunan Daerah dated June 27, 1978 of West Java Province,
Jawa Barat diubah menjadi Bank PD Bank Karya Pembangunan Daerah Jawa
Pembangunan Daerah Jawa Barat. Bank Barat changed its name to Bank
Pembangunan Daerah Jawa Barat mendapat Pembangunan Daerah Jawa Barat. Bank
sebutan “Bank Jabar” dan logo baru Pembangunan Daerah Jawa Barat obtained
berdasarkan Peraturan Daerah No. 11 tahun its trade name of “Bank Jabar” and a new logo
1995. based on Provincial Government Regulation
No. 11 year 1995.
Berdasarkan surat keputusan Direksi Bank Based on the Decision Letter
Indonesia No. 25/84/KEP/DIR tanggal No. 25/84/KEP/DIR dated November 2, 1992
2 Nopember 1992, Bank memperoleh status of the Directors of Bank Indonesia, the Bank
sebagai bank devisa. obtained the status of a foreign exchange
bank.
Penyesuaian bentuk badan hukum Bank The change in the Bank’s legal status to a
menjadi Perseroan Terbatas dinyatakan dalam Limited Liability Corporation was stated under
Akta Notaris No. 4 tanggal 8 April 1999 yang Notarial Deed No. 4 dated April 8, 1999 of
dibuat di hadapan Notaris Popy Kuntari Popy Kuntari Sutresna, S.H., M. Hum., which
Sutresna, S.H., M. Hum., yang telah was approved by the Minister of Justice in its
mendapatkan pengesahan dari Menteri Decision Letter No. C2-7103.HT.01.01.TH.99
Kehakiman dengan Surat Keputusan No. C2- dated April 16, 1999 and was published in the
7103.HT.01.01.TH.99 tanggal 16 April 1999 State Gazette No. 39 dated May 14, 1999 of
dan diumumkan dalam Berita Negara Republik the Republic of Indonesia.
Indonesia No. 39 tanggal 14 Mei 1999.
10

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Pada tanggal 12 September 2007, nama Bank On September 12, 2007, the name of the
diubah menjadi PT Bank Pembangunan Bank was changed to PT Bank Pembangunan
Daerah Jawa Barat dan Banten berdasarkan Daerah Jawa Barat dan Banten based on the
pengesahan dari Menteri Kehakiman dan Hak approval of the Minister of Justice and Human
Asasi Manusia melalui surat No. W8-02673 Rights in its letter No. W8-02673 HT.01.04-
HT.01.04-TH.2007. Berdasarkan Surat TH.2007. Based on the Bank’s of Board
Keputusan Direksi No. 1065/SK/DIR - Directors’ Decision Letter No. 1065/SK/DIR -
PPN/2007 tanggal 29 Nopember 2007, Bank PPN/2007 dated November 29, 2007, the
mengubah penyebutan nama menjadi “Bank Bank changed its call name to “Bank Jabar
Jabar Banten”. Banten”.
Berdasarkan Surat Bank Indonesia Based on the letter of Bank Indonesia

No.12/78/APBU/Bd tanggal 30 Juni 2010 No.12/78/APBU/Bd dated June 30, 2010
perihal Rencana Perubahan Logo Bank, regarding the Amendment Plan of the Bank’s
serta Surat Keputusan Direksi logo, as well as Board of Directors’ Decision
Nomor.1337/SK/DIR-PPN/2010 tanggal 5 Juli Letter No.1337/SK/DIR-PPN/2010 dated July
2010 tentang Perubahan Logo dan 5, 2010 regarding the Amendment of Call
Penyebutan Nama serta pemberlakuan Brand name and Logo enforcement of Brand Identity
Identity Guidelines, maka pada tanggal Guidelines on August 2, 2010, the change in
2 Agustus 2010 perubahan penyebutan nama call name of “Bank Jabar Banten to “bank bjb”
“Bank Jabar Banten” menjadi “bank bjb” was officially changed.
secara resmi diubah.
Anggaran Dasar PT Bank Pembangunan The Articles of Association of PT Bank

Daerah Jawa Barat dan Banten Tbk Pembangunan Daerah Jawa Barat dan
sebagaimana tertuang di Akta Pendirian No. 4 Banten Tbk as stated in the Deed of
tanggal 8 April 1999 dan Perbaikan Akta Establishment No. 4 dated April 8, 1999 and
Pendirian Perseroan No. 8 tanggal 15 April Establishment Deed Amendment No. 8 dated
1999 yang telah beberapa kali diubah dan April 15, 1999, have been amended several
terakhir diubah dengan Akta Pernyataan times with the latest update based on the
Keputusan Rapat Umum Pemegang Saham Minutes of the Shareholders’ Extraordinary
Luar biasa PT Bank Pembangunan Daerah General Meeting of PT Bank Pembangunan
Jawa Barat dan Banten Tbk No. 75 tanggal Daerah Jawa Barat dan Banten Tbk as
25 Juli 2011 yang telah diberitahukan dengan covered in the Notarial Deed No. 75 dated
Keputusan Menteri Hukum dan Hak Asasi July 25, 2011 which notified by approval of the
Manusia Republik Indonesia sebagaimana Ministry of Justice and Human Rights of the
dimaksud dalam surat penerimaan Republic of Indonesia as mentioned in the
Pemberitahuan Perubahan Anggaran Dasar acceptance letter of Amendment of Articles of
No. AHU.01.10.26872 tanggal 18 Agustus the Association No. AHU 01.10.26872 dated
2011. August 18, 2011.
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Berdasarkan pasal 3 Anggaran Dasar, Bank According to article 3 of the Bank's Articles of
didirikan dengan maksud dan tujuan untuk Association, the Bank's objective is to engage
berusaha di bidang perbankan. Untuk in the banking business. To achieve this
mencapai maksud dan tujuan tersebut, ruang objective, the scope of the Bank’s activities is
lingkup kegiatan Bank antara lain adalah: mainly the following:
- menghimpun dana dari masyarakat dalam - to collect public funds in the form of demand
bentuk simpanan berupa giro, deposito deposits, time deposits, certificates of
berjangka, sertifikat deposito, tabungan deposits, savings and/or other similar forms;
dan/atau bentuk lainnya yang dipersamakan
dengan itu;
11

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Berdasarkan pasal 3 Anggaran Dasar, Bank According to article 3 of the Bank's Articles of
didirikan dengan maksud dan tujuan untuk Association, the Bank's objective is to engage
berusaha di bidang perbankan. Untuk in the banking business. To achieve this
mencapai maksud dan tujuan tersebut, ruang objective, the scope of the Bank’s activities is
lingkup kegiatan Bank antara lain adalah mainly the following (continued):
(lanjutan):
- memberikan kredit; - to grant loans;

- menempatkan dana pada, meminjam dana - to place fund in, obtain borrowings from, or
dari, atau meminjamkan dana kepada bank provide financing to other banks, either by
lain, baik dengan menggunakan surat, letter, telecommunication facilities, sight
sarana telekomunikasi maupun dengan letters of credit (L/C), cheque or other
wesel unjuk, cek atau sarana lainnya; dan facilities; and
- melakukan kegiatan penyertaan modal - to conduct investment activities through
pada bank atau perusahaan dibidang jasa share participation in banks or other
keuangan lainnya atau mendirikan financial institution companies or establish a
perusahaan baru sepanjang sesuai dengan new institution in accordance with the
ketentuan yang berlaku; prevailing regulation;
- Melakukan kegiatan dalam valuta asing dan - to conduct activities in foreign currency
atau bertindak sebagai Bank Devisa dengan transactions and or serve as foreign
memenuhi ketentuan yang ditetapkan oleh exchange Bank in compliance with the
yang berwenang. regulation prescribed by the authority.
Selain itu, sebagai bank pembangunan In addition, as a regional development bank,

daerah, Bank juga membantu Pemerintah the Bank also assists the Provincial
Provinsi, Kota/Kabupaten se-Jawa Barat dan Government, Municipality/Regency of West
Banten dalam membina Bank Perkreditan Java and Banten in developing Rural Banks
Rakyat (BPR) dan institusi jasa keuangan (BPR) and other financial service institutions
lainnya milik Pemerintah Provinsi, owned by the Provincial Government,
Kota/Kabupaten se-Jawa Barat dan Banten Municipality/Regency of West Java and
yang sebagian sahamnya dimiliki oleh Bank, Banten where the Bank has or does not have
atau Bank sama sekali tidak memiliki saham the shares but the Bank is requested to assist
namun diminta untuk membantu pembinaan in developing the BPR.
BPR dimaksud.
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Bank berkantor pusat di Menara bank bjb yang The Bank’s head office is located at Menara
terletak di Jalan Naripan No. 12-14, Bandung bank bjb, Jalan Naripan No. 12-14, Bandung
40111. 40111.
Pada tanggal 31 Desember 2014, Bank As of December 31, 2014, the Bank has 62
memiliki 62 kantor cabang, 312 kantor cabang branch offices, 312 sub-branches, 318 cash
pembantu, 318 kantor kas dan 133 payment offices and 133 payment points (December 31,
point (31 Desember 2013: 62 kantor cabang, 2013: 62 branch offices, 304 sub-branches,
304 kantor cabang pembantu, 155 kantor kas 155 cash offices and 107 payment points).
dan 107 payment point).
12
631 631


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As of December 31, 2014, the Bank’s

Pada tanggal 31 Desember 2014, Kepala Divisi Corporate Secretary Head is Agus Mulyana,
Sekretaris Perusahaan adalah Agus Mulyana, based on Director Decision Letter
sesuai dengan Surat Keputusan Direksi No.049/SK/DIR-SDM/2014 dated February 3,
No.049/SK/DIR-SDM/2014 tanggal 3 Februari 2014, while as of December 31, 2013, the
2014, sedangkan pada tanggal 31 Desember Bank’s Corporate Secretary Head is Sofi
2013 Kepala Divisi Sekretaris Perusahaan Suryasnia, based on Director Decision Letter
Bank adalah Sofi Suryasnia, sesuai dengan No.695/SK/DIR-SDM/2012 dated November
Surat Keputusan Direksi No.695/SK/DIR- 26, 2012.
SDM/2012 tanggal 26 November 2012
Pada tanggal 31 Desember 2014, Kepala Divisi As of December 31, 2014, the Bank’s Internal
Audit Internal Bank adalah Hendi Rochendi, Audit Head is Hendi Rochendi, based on
sesuai dengan Surat Keputusan Direksi Director Decision Letter No.007/SK/DIR-
No.007/SK/DIR-SDM/2014 tanggal 3 Januari SDM/2014 dated January 3, 2014, while as of
2014, sedangkan pada tanggal 31 Desember December 31, 2013, the Bank’s Internal Audit
2013 Kepala Divisi Audit Internal Bank adalah Head is Toto Susanto, based on Director
Toto Susanto, sesuai dengan Surat Keputusan Decision Letter No. 624/SK/DIR-SDM/2012
Direksi No.624/SK/DIR-SDM/2012 tanggal dated November 7, 2012.
7 November 2012
Susunan Dewan Komite Audit Bank pada The composition of the Bank’s Audit
tanggal 31 Desember 2014 berdasarkan Surat Committee as of December 31, 2014 based on
Keputusan Dewan Komisaris No.001/SK- the Board of Commissioners’ Decision
DK/2014 tanggal 22 Januari 2014, Surat No. 001/SK-DK/2014, dated January 22,
Keputusan Direksi No.022/SK/DIR-CS/2014 2014, the Board of Directors’ Decision Letter
tanggal 24 Januari 2014, Surat Keputusan No. 022/SK/DIR-CS/2014 dated January 24,
Direksi No.0751/SK/DIR-CS/2014 tanggal 2014 the Board of Directors’ Decision Letter
3 Oktober 2014, Surat Keputusan Direksi No. 0751/SK-DIR/2014 dated October 3, 2014,
No.752/SK/DIR-CS/2014 tanggal 3 Oktober and the Board of Directors’ Decision Letter
2014. Sedangkan Susunan Dewan Komite No. 0752/SK-DIR/2014 dated October 3, 2014.
Audit Bank pada tanggal 31 Desember 2013 Whereas the composition of the Bank’s Audit
berdasarkan Surat Keputusan Dewan Committee as of December 31, 2013, based
Komisaris No.001/SK/DK/2013 tanggal on the Board of Commissioners’ Decision
23 Januari 2013, Surat Keputusan Direksi No. 001/SK/DK/2013, dated January 23, 2013,
No.456/SK/DIR-SDM/2011 tanggal 5 Agustus the Board of Directors’ Decision Letter
2011, Surat Keputusan Direksi No. 456/SK/DIR-SDM/2011 dated August 5,
No.438/SK/DIR-SDM/2014 tanggal 3 Agustus 2011, the Board of Directors’ Decision Letter
2012, dan Surat Keputusan Direksi No. 438/SK-DIR/2014 dated August 3, 2012,
No.439/SK/DIR-SDM/2012 tanggal 3 Agustus and the Board of Directors’ Decision Letter
2012 adalah sebagai berikut: No. 439/SK/DIR-SDM/2012 dated August 3,
2012, are as follows:
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Ketua Klemi Subiyantoro Chairman
Anggota Achmad Baraba Member
Anggota Rudhyanto Mooduto Member
Anggota Ramson Sinaga Member
Anggota Memed Sueb Member
Anggota Suwarta Member
Pada tanggal 31 Desember 2014 dan 2013, As of December 31, 2014 and 2013, the Bank
Bank memiliki karyawan masing-masing has 7,021 and 6,395 employees, respectively
sebanyak 7.021 dan 6.395 orang (tidak (unaudited).
diaudit).
14

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Pada tahun 2010, Bank menawarkan In 2010, the Bank offered 2,424,072,500
2.424.072.500 saham, atau 25% dari jumlah shares, or 25% of the total Bank’s shares, to
saham Bank, kepada masyarakat pada harga the public at an offering price of Rp600 (full
penawaran sebesar Rp600 (nilai penuh) per amount) per share. The offering shares are
saham. Saham yang ditawarkan merupakan Class B shares with a nominal value of Rp250
saham Seri B dengan harga nominal Rp250 (full amount) per share..
(nilai penuh) per lembar saham.
Pada tahun 2010, Bank menawarkan In 2010, the Bank offered 2,424,072,500
2.424.072.500 saham, atau 25% dari jumlah shares, or 25% of the total Bank’s shares, to
saham Bank, kepada masyarakat pada harga the public at an offering price of Rp600 (full
penawaran sebesar Rp600 (nilai penuh) per amount) per share. The offering shares are
saham. Saham yang ditawarkan merupakan Class B shares with a nominal value of Rp250
saham Seri B dengan harga nominal Rp250 (full amount) per share. The total proceed of
(nilai penuh) per saham. Total penerimaan dari this public offering amounted to Rp1,454,443.
penawaran umum tersebut sebesar The excess of the share offer price over the
Rp1.454.443. Selisih lebih antara harga par value per share was recognized as
penawaran per saham dengan nilai nominal “Additional Paid in Capital”, which is presented
per saham dicatat sebagai “Tambahan Modal under the Equity section of the consolidated
Disetor”, yang disajikan pada bagian Ekuitas statements of financial position. Based on a
pada laporan posisi keuangan konsolidasian. letter from Bapepam-LK No. S-5901/BL/2010
Berdasarkan surat dari Bapepam-LK No. S- dated June 29, 2010, the registration of the
5901/BL/2010 tanggal 29 Juni 2010, Bank’s shares in the capital market was
pendaftaran saham Bank di pasar modal declared effective.
dinyatakan efektif.
Pada tanggal 8 Juli 2010, saham Bank secara On July 8, 2010, the Bank’s shares have been
resmi telah tercatat di Bursa Efek Indonesia. officially listed on the Indonesia Stock
Jumlah saham Bank yang tercatat di Bursa Efek Exchange. Total shares of the Bank listed on
Indonesia sebanyak 2.424.072.500 saham seri the Indonesia Stock Exchange were
B atau 25% dari jumlah saham Bank. 2,424,072,500 class B shares or 25% of the
total Bank’s shares.
I 3HQDZDUDQXPXPREOLJDVL I 3XEOLFRIIHULQJRIERQGV
Bank melakukan beberapa penawaran umum The Bank conducted several public offerings
obligasi sebagai berikut: of bonds as follows:
2EOLJDVL,%DQN-DEDU %DQN-DEDU%RQGV,

Obligasi I Bank Jabar diterbitkan tanggal Bank Jabar Bonds I were issued on
8 Juli 1991 dengan nilai nominal July 8, 1991 with a nominal value of
Rp25.000 dan tingkat bunga Rp25,000 and floating interest rate. The
mengambang. Obligasi ini memiliki jangka bonds had a five years term and matured
waktu lima tahun dan telah jatuh tempo on July 8, 1996. The bonds were offered
pada tanggal 8 Juli 1996. Obligasi ini at its nominal value, listed on the
ditawarkan sebesar nilai Surabaya Stock Exchange (currently the
nominal, dicatat di Bursa Efek Surabaya Indonesia Stock Exchange) on July 15,
(sekarang Bursa Efek Indonesia) pada 1991 and became effective based on the
tanggal 15 Juli 1991 dan dinyatakan Bapepam-LK decision letter dated June
efektif berdasarkan surat keputusan 11, 1991.
Bapepam-LK pada tanggal 11 Juni 1991.
15

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2EOLJDVL,,%DQN-DEDU %DQN-DEDU%RQGV,,
Obligasi II Bank Jabar diterbitkan tanggal Bank Jabar Bonds II were issued on
2 Juli 1993 dengan nilai nominal July 2, 1993 with a nominal value of
Rp50.000 dan tingkat bunga Rp50,000 and floating interest rate. The
mengambang. Obligasi ini memiliki jangka bonds had a five years term and matured
waktu lima tahun dan jatuh tempo pada on July 2, 1998. The bonds were offered
tanggal 2 Juli 1998. Obligasi ini at their nominal value, listed on the
ditawarkan sebesar nilai nominal, dicatat Surabaya Stock Exchange (currently the
di Bursa Efek Surabaya (sekarang Bursa Indonesia Stock Exchange) on July 15,
Efek Indonesia) pada tanggal 15 Juli 1993 1993 and became effective based on
dan dinyatakan efektif berdasarkan surat Bapepam-LK decision letter dated June
keputusan Bapepam-LK pada tanggal 11, 1993.
11 Juni 1993.
2EOLJDVL,,,%DQN-DEDU %DQN-DEDU%RQGV,,,
Obligasi III Bank Jabar diterbitkan tanggal Bank Jabar Bonds III were issued on
18 April 2000 dengan nilai nominal April 18, 2000 with a nominal value of
Rp150.000 dan tingkat bunga tetap pada Rp150,000 and a fixed interest rate for
enam bulan pertama sebesar 16,25% per the first six months of 16.25% per annum
tahun dan suku bunga mengambang and floating interest rate for the rest of the
untuk pembayaran bunga selanjutnya. interest payment. The bonds had a five
Obligasi ini memiliki jangka waktu lima years term and matured on April 18,
tahun dan jatuh tempo pada tanggal 2005. The bonds were offered at their
18 April 2005. Obligasi ini ditawarkan nominal value, listed on the Surabaya
sebesar nilai nominal, dicatat di Bursa Stock Exchange (currently the Indonesia
Efek Surabaya (sekarang Bursa Efek Stock Exchange) on April 25, 2000 and
Indonesia) pada tanggal 25 April 2000 dan became effective based on Bapepam-LK
dinyatakan efektif berdasarkan surat decision letter dated March 27, 2000.
keputusan Bapepam-LK pada tanggal
27 Maret 2000.
2EOLJDVL,9%DQN-DEDU %DQN-DEDU%RQGV,9
Obligasi IV Bank Jabar diterbitkan tanggal Bank Jabar Bonds IV were issued on
5 Oktober 2004, terdiri dari: October 5, 2004, and consisted of:
% Seri A dengan nilai nominal % Series A with a nominal value of

Rp300.000, tingkat suku bunga tetap Rp300,000; a fixed interest rate of
11,75% per tahun yang dibayarkan 11.75% per annum due on a
setiap tiga bulan, jangka waktu quarterly basis; and a three years
selama tiga tahun sampai dengan term up to October 5, 2007;
tanggal 5 Oktober 2007;
% Seri B dengan nilai nominal % Series B with a nominal value of

12,50% per tahun yang dibayarkan 12.50% per annum due on a
setiap tiga bulan, jangka waktu quarterly basis and a five years term
selama lima tahun dan jatuh tempo up to October 5, 2009.
pada tanggal 5 Oktober 2009.
16

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Obligasi ditawarkan sebesar nilai nominal, The bonds were offered at their nominal
dicatat di Bursa Efek Surabaya (sekarang value, listed on the Surabaya Stock
Bursa Efek Indonesia) pada tanggal Exchange (currently the Indonesia Stock
6 Oktober 2005 dan dinyatakan efektif Exchange) on October 6, 2005 and
berdasarkan surat keputusan Bapepam- became effective based on Bapepam-LK
LK pada tanggal 24 September 2005. decision letter dated September 24, 2005.
2EOLJDVL9%DQN-DEDU %DQN-DEDU%RQGV9
Obligasi V Bank Jabar diterbitkan pada Bank Jabar Bonds V were issued on
tanggal 8 Desember 2006 dengan nilai December 8, 2006 with a nominal value
nominal Rp1.000.000, tingkat suku bunga of Rp1,000,000; a fixed interest rate of
tetap sebesar 11,25% per tahun yang 11.25% per annum due on a quarterly
dibayarkan setiap tiga bulan dan jangka basis and a five years term up to
waktu selama lima tahun dan telah jatuh December 8, 2011.
tempo pada tanggal 8 Desember 2011.
Obligasi ditawarkan sebesar nilai nominal, The bonds were offered at their nominal
dicatat di Bursa Efek Surabaya (sekarang value, listed on the Surabaya Stock
Bursa Efek Indonesia) pada tanggal Exchange (currently the Indonesia Stock
11 Desember 2006 dan dinyatakan Exchange) on December 11, 2006 and
efektif berdasarkan surat keputusan became effective based on Bapepam-LK
Bapepam-LK pada tanggal 27 November decision letter dated November 27, 2006.
2006.
2EOLJDVL9,%DQN-DEDU %DQN-DEDU%RQGV9,
Obligasi VI Bank Jabar diterbitkan pada Bank Jabar Bonds VI were issued on
tanggal 10 Juli 2009 terdiri dari: July 10, 2009, and consisted of:
% Seri A dengan nilai nominal % Series A with a nominal value of

sebesar 12,00% per tahun yang 12.00% per annum due on a
dibayarkan setiap tiga bulan dan quarterly basis; and a three years
jangka waktu selama tiga tahun dan term up to July 10, 2012. The bonds
akan jatuh tempo pada tanggal 10 Juli were offered at their nominal value,
2012. Obligasi ditawarkan sebesar listed on the Surabaya Stock
nilai nominal, dicatat di Bursa Efek Exchange (currently the Indonesia
Surabaya (sekarang Bursa Efek Stock Exchange) on July 13, 2009
Indonesia) pada tanggal 13 Juli 2009 and became effective based on
dan dinyatakan efektif berdasarkan Bapepam-LK decision letter dated
surat keputusan Bapepam-LK pada June 30, 2009.
tanggal 30 Juni 2009.
% Seri B dengan nilai nominal % Series B with a nominal value of

sebesar 12,50% per tahun yang 12.50% per annum due on a
dibayarkan setiap tiga bulan dan quarterly basis; and a five years term
jangka waktu selama lima tahun dan up to July 10, 2014.
akan jatuh tempo pada tanggal
10 Juli 2014.
17

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-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
636 '$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6
&$7$7$1$7$6/$325$1.(8$1*$1 127(6727+(&2162/,'$7('),1$1&,$/
.2162/,'$6,$1 67$7(0(176

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Obligasi VI Bank Jabar diterbitkan pada Bank Jabar Bonds VI were issued on
tanggal 10 Juli 2009 terdiri dari (lanjutan): July 10, 2009, and consisted of
(continued):
Obligasi ditawarkan sebesar nilai The bonds were offered at their

nominal, dicatat di Bursa Efek nominal value, listed on the
Surabaya (sekarang Bursa Efek Surabaya Stock Exchange (currently
Indonesia) pada tanggal 13 Juli 2009 the Indonesia Stock Exchange) on
dan dinyatakan efektif berdasarkan July 13, 2009 and became effective
surat keputusan Bapepam-LK pada based on Bapepam-LK decision
tanggal 30 Juni 2009 (Catatan 23). letter dated June 30, 2009 (Note 23).
2EOLJDVL9,,EDQNEME %DQNEME%RQGV9,,
Pada tanggal 10 Februari 2011, Bank On February 10, 2011, the Bank issued
menerbitkan Obligasi VII bank bjb. bank bjb Bonds VII. The bonds were
Obligasi ini ditawarkan sebesar nilai offered at their nominal value, listed in the
nominal, dicatatkan di Bursa Efek Indonesia Stock Exchange and became
Indonesia dan dinyatakan efektif effective based on Bapepam-LK Decision
berdasarkan surat keputusan Bapepam- Letter dated January 31, 2011 (Note 23).
LK pada tanggal 31 Januari 2011 (Catatan
23).
Obligasi VII bank bjb terdiri dari: Bank bjb Bonds VII consisted of:
% Seri A dengan nilai nominal % Series A with nominal value of

Rp276.000, tingkat suku bunga tetap Rp276,000; fixed interest rate of
sebesar 9,2% per tahun yang 9.2% per annum due on a quarterly
dibayarkan setiap tiga bulan dan basis; and a three-year term up to
jangka waktu selama tiga tahun dan February 9, 2014.
9 Februari 2014.
% Seri B dengan nilai nominal % Series B with nominal value of

Rp601.000, tingkat suku bunga tetap Rp601,000; fixed interest rate of
sebesar 10,2% per tahun yang 10.2% per annum due on a quarterly
dibayarkan setiap tiga bulan dan basis; and a five-year term up to
jangka waktu selama lima tahun dan February 9, 2016.
9 Februari 2016.
% Seri C dengan nilai nominal Rp1.123, % Series C with nominal value of

tingkat suku bunga tetap sebesar Rp1,123; fixed interest rate of 10.4%
10,4% per tahun yang dibayarkan per annum due on a quarterly basis;
setiap tiga bulan dan jangka waktu and a seven-year term up to
selama tujuh tahun dan akan jatuh February 9, 2018.
tempo pada tanggal 9 Februari 2018.
Obligasi VII bank bjb tidak dijamin dengan Bank bjb Bonds VII are not guaranteed by
jaminan khusus, tetapi dijamin dengan specific collateral, other than general
seluruh harta kekayaan Bank (Catatan collateral in the form of all the Bank’s
23). assets (Note 23).
18

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Pendirian PT Bank Jabar Banten Syariah The establishment of PT Bank Jabar

(“BJBS”) merupakan hasil pemisahan Banten Syariah (the “BJBS”) resulted
(spin off) dari Unit Usaha Syariah PT Bank from the spin-off of the Sharia Business
Pembangunan Daerah Jawa Barat dan Unit of PT Bank Pembangunan Daerah
Banten (“UUS Bank Jabar Banten”) Jawa Barat dan Banten (“UUS Bank
menjadi Bank Syariah berdasarkan Jabar Banten”) to Sharia General Bank
Pernyataan Persetujuan Pemegang based on the Shareholders’ Approval of
Saham PT Bank Pembangunan Daerah PT Bank Pembangunan Daerah Jawa
Jawa Barat dan Banten Tbk yang tertuang Barat dan Banten Tbk which was stated
dalam Akta Notaris No. 3 oleh notaris by Notarial Deed No. 3 of Fathiah Helmi,
Fathiah Helmi, S.H., tanggal 15 Januari S.H., dated January 15, 2010.
2010.
BJBS didirikan pada tanggal 15 Januari BJBS was established on January 15,
2010 berdasarkan Akta Notaris No. 4 oleh 2010 based on Notarial Deed No. 4 of
notaris Fathiah Helmi, S.H., dan akta Fathiah Helmi, S.H. and has been
pendirian ini telah disahkan oleh Menteri approved by the Ministry of Laws and
Hukum dan Hak Asasi Manusia Republik Human Rights through its Decision Letter
Indonesia dalam Surat Keputusan No. AHU-04317.AH.01.01. Year 2010
No. AHU-04317.AH.01.01.Tahun 2010 concerning the Approval of Legal
tentang Pengesahan Badan Hukum Corporation dated January 26, 2010.
Perseroan tanggal 26 Januari 2010. Bank Bank Indonesia has issued the
Indonesia telah memberikan izin usaha operational license to BJBS based on the
kepada BJBS berdasarkan Surat Decision Letter of the Governor of Bank
Keputusan Gubernur Bank Indonesia Indonesia No. 12/35/KEP.GBI/2010 dated
No. 12/35/KEP.GBI/2010 tanggal 30 April April 30, 2010.
2010.
BJBS telah melaporkan tanggal efektif BJBS has reported the effective date of
pelaksanaan kegiatan usaha kepada Bank the implementation of its business activity
Indonesia dan Menteri Hukum dan Hak to Bank Indonesia and Ministry of Laws
Asasi Manusia Republik Indonesia and Human Rights of the Republic of
masing-masing melalui surat No. 022/DIR- Indonesia through its letters No. 022/DIR-
BJBS/2010 tanggal 7 Mei 2010 dan BJBS/2010 dated May 7, 2010 and
No. 018/DIR-BJBS/2010 tanggal No. 018/Dir-BJBS/2010 dated May 3,
3 Mei 2010. BJBS menetapkan tanggal 2010, respectively. BJBS determined May
5 Mei 2010 sebagai tanggal cut off untuk 5, 2010 as the cut off date for the balance
laporan posisi keuangan dan telah mulai sheet and started its operation since that
beroperasi sejak tanggal tersebut. Pada date. As of December 31, 2014 and 2013,
tanggal 31 Desember 2014 dan 2013, the Bank has 97.70% of direct ownership
Bank mempunyai kepemilikan langsung in BJBS, respectively.
masing-masing sebesar 97,70% pada
BJBS.
19

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638 '$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6
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Kantor pusat BJBS berlokasi di Jl. Braga The BJBS’s head office is located at Jl.
No.135, Bandung. Pada tanggal Braga No.135, Bandung. As of December
31 Desember 2014, BJBS memiliki 8 31, 2014, BJBS has 8 branch offices, 52
kantor cabang, 52 kantor cabang sub-branches, 1 cash offices, and 4
pembantu, 1 kantor kas, dan 4 gerai sharia outlets with 949 employees
syariah dengan jumlah karyawan (December 31, 2013: 8 branch offices, 50
sebanyak 949 orang (31 Desember 2013: sub-branches, 2 cash offices, and 3
8 kantor cabang, 50 kantor cabang sharia outlets with 764 employees)
pembantu, 2 kantor kas, dan 3 gerai (unaudited). BJBS total assets amounted
syariah dengan jumlah karyawan to Rp6,090,944 and Rp4,695,088 as of
sebanyak 764 orang) (tidak audit). BJBS December 31, 2014 and 2013,
memiliki total aset sebesar Rp6.090.944 respectively, and total revenue of
dan Rp4.695.088 masing-masing pada Rp590,978 and Rp508.023 for the years
tanggal 31 Desember 2014 dan 2013, dan ended December 31, 2014 and 2013,
total pendapatan sebesar Rp590.978 dan respectively.
Rp508.023 masing-masing untuk tahun
yang berakhir pada tanggal-tanggal
31 Desember 2014 dan 2013.
LL 3'%35/3.*DUXW.RWD LL 3'%35/3.*DUXW.RWD
Perusahaan Daerah Bank Perkreditan Regional Company Rural Bank Garut

Rakyat LPK Garut Kota didirikan dengan Kota was established with Provincial
Peraturan Daerah Provinsi Daerah Tingkat Regulation Level I West Java No. 3 Year
I Jawa Barat No. 3 Tahun 1987, yang 1987, which was further confirmed as a
selanjutnya dikukuhkan menjadi Perusahaan Daerah Bank Perkreditan
Perusahaan Daerah Bank Perkreditan Rakyat Lembaga Perkreditan Kecamatan
Rakyat Lembaga Perkreditan Kecamatan Garut Kota with Provincial Regulation
Garut Kota dengan Peraturan Provinsi Level I West Java No. 5 Year 1996, and
Daerah Tingkat I Jawa Barat Nomor 5 changed to a Regional Company
Tahun 1996, serta berubah menjadi Subdistrict Lending according to
Perusahaan Daerah Perkreditan Provincial Government Regulation No. 25
Kecamatan sesuai dengan Peraturan Year 2000, of West Java Province,
Daerah Provinsi Jawa Barat No. 25 Tahun regarding the Regional Company
2000 Tentang Perusahaan Daerah Subdistrict Lending and were approved
Perkreditan Kecamatan dan mendapat as Public Lending Bank from Bank
izin usaha sebagai Bank Perkreditan Indonesia based on Letter
Rakyat dari Bank Indonesia sesuai surat No. 31/20/DIR/UBPR/Rahasia dated
No. 31/20/DIR/UBPR/Rahasia tanggal June 22, 1998, and approved through
22 Juni 1998, serta disahkan melalui Decision No. KEP-467/KM.17/1998,
Keputusan Menteri Keuangan Republik Ministry of Finance of the Republic of
Indonesia No. KEP-467/KM.17/1998 Indonesia, concerning Business Permit
Tentang Pemberian Izin usaha sebagai Granting as Rural Bank to Regional
Bank Perkreditan Rakyat kepada Company Rural Bank Garut Kota.
Perusahaan Daerah Bank Perkreditan
Rakyat Lembaga Perkreditan Rakyat
Kecamatan Garut Kota.
20

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Sebagai dasar penggabungan usaha As a basis for the merger of seven

(merger) 7 (tujuh) Perusahaan Daerah Regional Company Rural Bank which are
Bank Perkreditan Rakyat LPK yaitu PD PD BPR LPK Sukawening, PD BPR LPK
BPR LPK Sukawening, PD BPR LPK Bayongbong, PD BPR LPK Cikajang, PD
Bayongbong, PD BPR LPK Cikajang, PD BPR LPK Banjarwangi, PD BPR LPK
BPR LPK Banjarwangi, PD BPR LPK Cibalong, PD BPR LPK Leuwigoong into
Cibalong, PD BPR LPK Leuwigoong Perusahaan Daerah Bank Perkreditan
kedalam Perusahaan Daerah Bank Rakyat Lembaga Perkreditan Kecamatan
Perkreditan Rakyat Lembaga Perkreditan Garut Kota is Provincial Government
Kecamatan Garut Kota (PD BPR LPK Regulation No. 30 year 2010 dated
Garut Kota) adalah Peraturan Daerah December 31, 2010, of West Java
Provinsi Jawa Barat No. 30 tahun 2010 Province, concerning Amendment of
tanggal 31 Desember 2010 Tentang Regional Company of West Java No. 14
Perubahan atas Perusahaan Daerah Year 2006 regarding Regional Company
Jawa Barat No. 14 tahun 2006 tentang Rural Bank and Regional Company
Perusahaan Daerah Bank Perkreditan Subdistrict Public Lending.
Rakyat dan Perusahaan Daerah
Perkreditan Rakyat Kecamatan.
Pada tahun 2012, Bank telah In 2012, the Bank has acquired PD BPR
mengakuisisi PD BPR LPK Garut Kota LPK Garut Kota based on the Decision
sesuai dengan Surat Keputusan Bank Letter of the Governor of Bank Indonesia
Indonesia No. 14/79/KEP.GBI/Bd/2012 No. 14/79/KEP.GBI/Bd/2012 dated
tanggal 11 Oktober 2012. Bank memiliki October 11, 2012. Bank has direct
kepemilikan langsung sebesar 44,02% ownership of 44.02% and 47.86% as of
dan 47,86% masing-masing pada tanggal December 31, 2014 and 2013,
31 Desember 2014 dan 2013. respectively.
Kantor pusat PD BPR LPK Garut Kota PD BPR LPK Garut Kota head office is
berkedudukan di Jalan Pramuka No. 30 A located at Jalan Pramuka No. 30 A, Garut
Kecamatan Garut Kota Kabupaten Garut Kota Subdistrict, Garut Regency, West
Provinsi Jawa Barat. Java Province.
Jumlah Pegawai tetap PD BPR LPK Garut PD BPR LPK Garut Kota has 118 and
Kota hasil penggabungan usaha (merger) 108 permanent employees (unaudited),
7 (tujuh) BPR LPK di Kabupaten Garut per as a result of merger of 7 (seven) BPR
31 Desember 2014 dan 2013 masing- LPK Garut Regency, as of December 31,
masing 118 dan 108 orang pegawai (tidak 2014 and 2013, respectively.
audit).
PD BPR LPK Garut Kota memiliki total PD BPR LPK Garut Kota total assets
aset sebesar Rp132.047 dan Rp103.334 amounted to Rp132,047 and Rp103,334,
masing-masing pada tanggal as of December 31, 2014 and 2013,
31 Desember 2014 dan 2013, dan total respectively, and total revenue of
pendapatan sebesar Rp24.473 dan Rp24,473 and Rp18,542 for the years
Rp18.542 masing-masing untuk tahun ended December 31, 2014 and 2013,
yang berakhir pada tanggal 31 Desember respectively.
2014 dan 2013.
21

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Perusahaan Daerah Bank Perkreditan Regional Company Rural Bank

Rakyat LPK Jalancagak didirikan Jalancagak was established based on
berdasarkan Surat Keputusan Bupati Decision Letter Level II of the Head of
kepala daerah tingkat II Subang Subang Regencies No. 170/STAP/
No. 170/STAP/pe.023.3/SK/78 tanggal pe.023.3/SK/78 dated September 1, 1978
1 September 1978 dengan nama PD under the name of PD Badan Perkreditan
Badan Perkreditan Pasar Jalancagak. Pasar Jalancagak. Based on Decision
Berdasarkan Surat Keputusan Bupati Letter Level II of Regencies Head
Kepala Daerah Tingkat II Subang Subang No. 581/PE/32/85 dated
No. 581/PE/32/85 tanggal 4 September September 4, 1985 it was converted into
1985 diubah menjadi Perusahaan Daerah Perusahaan Daerah Bank Perkreditan
Bank Perkreditan Rakyat LPK Jalancagak. Rakyat LPK Jalancagak.
Kegiatan usaha Perusahaan Daerah Bank The operations of Regional Company

Perkreditan Rakyat LPK Jalancagak telah Rural Bank Jalancagak has been granted
memperoleh izin dari Departemen license from the Ministry of Finance of
Keuangan Republik Indonesia melalui the Republic of Indonesia through the
Surat Keputusan Menteri Keuangan Decision Letter of Minister of Finance
No. KEP-079/KM.17/1998 tanggal No. KEP-079/KM.17/1998, dated
18 Februari 1998 serta dari Bank February 18, 1998 and the Bank
Indonesia, dengan surat Indonesia Letter No.31/18/UBPR/AdR/Bd
No. 31/18/UBPR/AdR/Bd tanggal 14 April dated April 14, 1998, with the license in
1998, dengan Izin Prinsip berdasarkan Principle based on the Decision by
Keputusan Deputi Gubernur Bank Deputy Governor of Bank Indonesia No.
Indonesia No. 13/5/KEP.DpG/2011 13/5/KEP.DpG/2011 dated August 12,
tanggal 12 Agustus 2011 tentang 2011 on the Granting Permit Merger
Pemberian Izin Penggabungan Usaha (Merger) for PD BPR LPK Cisalak, PD
(Merger) PD BPR LPK Cisalak, PD BPR BPR LPK Pagaden, PD BPR LPK
LPK Pagaden, PD BPR LPK Purwadadi Purwadadi dan PD BPR LPK Pamanukan
dan PD BPR LPK Pamanukan ke dalam into PD BPR LPK Jalancagak.
PD BPR LPK Jalancagak.
Pada tahun 2012, Bank telah In 2012, the Bank has acquired PD BPR
mengakuisisi PD BPR LPK Jalancagak LPK Jalancagak based on the Decision
sesuai dengan Surat Keputusan Bank Letter of the Governor of Bank Indonesia
Indonesia No. 14/78/KEP.GBI/Bd/2012 No. 14/78/KEP.GBI/Bd/2012 dated
tanggal 28 September 2012. Bank September 28, 2012. Bank has direct
memiliki kepemilikan langsung sebesar ownership of 51% as of December 31,
51% pada tanggal 31 Desember 2014 dan 2014 and 2013.
2013.
Kantor pusat PD BPR LPK Jalancagak PD BPR LPK Jalancagak head office
berkedudukan di Jalan Raya Jalancagak located at Jalan Raya Jalancagak
No. 151. No. 151.
Jumlah karyawan tetap PD BPR LPK The PD BPR LPK Jalancagak has 132
Jalancagak tanggal 31 Desember 2014 and 128 permanent employees
dan 2013 masing-masing 132 dan 128 (unaudited), as of December 31, 2014
orang pegawai (tidak audit). and 2013, respectively.
22

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PD BPR LPK Jalancagak memiliki total PD BPR LPK Jalancagak has a total
aset sebesar Rp178.644 dan Rp151.154 assets of Rp178,644 and Rp151,154, as
masing-masing pada tanggal of December 31, 2014 and 2013,
31 Desember 2014 dan 2013, dan total respectively, and total revenue of
pendapatan sebesar Rp41.124 dan Rp41,124 and Rp32,255 for the years
Rp32.255 masing-masing untuk tahun ended December 31, 2014 and 2013,
yang berakhir pada tanggal-tanggal respectively.
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Pernyataan Kepatuhan Statement of Compliance
Laporan keuangan konsolidasian pada tanggal The consolidated financial statements as of

dan untuk tahun yang berakhir pada tanggal- and for the years ended December 31, 2014
tanggal 31 Desember 2014 dan 2013 disusun and 2013 were prepared and presented in
dan disajikan sesuai dengan Standar accordance with Indonesian Financial
Akuntansi Keuangan di Indonesia, yang Accounting Standards, which includes the
mencakup Pernyataan dan Interpretasi yang Statements and Interpretations issued by the
dikeluarkan oleh Dewan Standar Akuntansi Financial Accounting Standards Board
Keuangan Ikatan Akuntan Indonesia dan Indonesian Institute of Accountants and
peraturan Bapepam-LK No. VIII.G.7 lampiran Bapepam-LK’s Regulation No. VIII.G.7,
keputusan Ketua Bapepam-LK No. KEP- Appendix of the Decision of the Chairman of
347/BL/2012 tanggal 25 Juni 2012 tentang Bapepam-LK No. KEP-347/BL/2012 dated
“Penyajian dan Pengungkapan Laporan June 25, 2012 regarding the “Guidelines on
Keuangan Emiten atau Perusahaan Publik”. Financial Statements Presentations and
Disclosures for Issuers or Public Companies”.
Laporan keuangan BJBS disajikan sesuai The financial statements of BJBS have been
dengan PSAK No. 101 (Revisi 2011), prepared in conformity with SFAS
“Penyajian Laporan Keuangan Syariah”, PSAK No. 101 (Revised 2011), “Sharia Financial
No. 102, “Akuntansi Murabahah”, PSAK Statements Presentation”, SFAS No. 102,
No. 104, “Akuntansi Istishna”, PSAK No. 105, “Accounting for Murabahah”, SFAS No. 104,
“Akuntansi Mudharabah”, PSAK No. 106, “Accounting for Istishna”, SFAS No. 105,
“Akuntansi Musyarakah”, PSAK No. 110, “Accounting for Mudharabah”, SFAS No. 106,
“Akuntansi Sukuk” dan PSAK No. 107, “Accounting for Musyarakah”, SFAS No. 110,
“Akuntansi Ijarah”, menggantikan PSAK No. 59 "Accounting for Sukuk” and SFAS No. 107,
tentang “Akuntansi Perbankan Syariah” yang “Accounting for Ijarah” which superseded
berhubungan dengan pengakuan, pengukuran, SFAS No. 59, “Accounting for Sharia Banks”,
penyajian dan pengungkapan terhadap topik- in relation to the recognition, measurement,
topik tersebut dan mempertimbangkan presentation and disclosure for the above-
Pedoman Akuntansi Perbankan Syariah mentioned topics and considering the
Indonesia (“PAPSI”) yang diterbitkan atas Accounting Guidelines for Indonesian Syariah
kerjasama IAI dengan Bank Indonesia. Banks (“PAPSI”) issued by Bank Indonesia in
cooperation with IAI.
23

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Pernyataan Kepatuhan (lanjutan) Statement of Compliance (continued)
Laporan keuangan konsolidasian telah The consolidated financial statements have

disajikan berdasarkan nilai historis, kecuali been prepared on a historical cost basis,
untuk beberapa akun yang dinilai except for some accounts that were assessed
menggunakan dasar pengukuran lain using another measurement basis as explained
sebagaimana dijelaskan pada kebijakan in the accounting policies of the account. The
akuntansi dari akun tersebut. Laporan consolidated financial statements have been
keuangan konsolidasian disusun dengan dasar prepared on accrual basis, except for the
akrual, kecuali pendapatan dari istishna dan revenue from istishna and the profit sharing
bagi hasil dari pembiayaan mudharabah dan from the mudharabah and musyarakah
musyarakah serta laporan arus kas. financing and the statement of cash flow.
Laporan arus kas konsolidasian disusun The consolidated statement of cash flows have
menggunakan metode langsung dan arus kas been prepared using the direct method and the
dikelompokkan atas dasar aktivitas operasi, cash flows have been classified on the basis of
investasi dan pendanaan. Kas dan setara kas operating, investing and financing activities.
terdiri dari kas, giro pada Bank Indonesia dan Cash and cash equivalents consists of cash,
giro pada bank lain, penempatan pada Bank current accounts with Bank Indonesia and
Indonesia dan bank lain yang jatuh tempo current accounts with other banks, placements
dalam waktu 3 (tiga) bulan sejak tanggal with Bank Indonesia and other banks maturing
perolehan, sepanjang tidak digunakan sebagai within 3 (three) months or less from the
jaminan atas pinjaman yang diterima serta acquisition date provided they are not used as
tidak dibatasi penggunaannya. collateral for borrowings nor restricted.
Mata uang penyajian yang digunakan dalam The presentation currency used in the
laporan keuangan konsolidasian adalah consolidated financial statements is Indonesian
Rupiah, yang merupakan mata uang Rupiah, which is the Bank’s functional
fungsional. Angka-angka yang disajikan dalam currency. Unless otherwise stated, all figures
laporan keuangan, kecuali bila dinyatakan presented in the consolidated financial
secara khusus, adalah dibulatkan dalam jutaan statement are rounded off to millions of Rupiah.
Rupiah.
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Laporan Konsolidasian meliputi laporan The consolidated financial statements

keuangan Bank beserta entitas anak yang consisting of the financial statements of the
berada di bawah pengendalian Bank, kecuali Bank and subsidiaries that are controlled by
entitas anak yang sifat pengendaliannya the Bank, excluding those subsidiaries, if any,
adalah sementara atau jika ada pembatasan in which control is assumed to be temporary,
jangka panjang yang mempengaruhi or those with long-term restrictions significantly
kemampuan entitas anak untuk memindahkan impairing the subsidiaries’ ability to transfer
dananya ke Bank. funds to the Bank.
Dalam hal pengendalian terhadap entitas anak Where subsidiaries, if any, either began or
dimulai atau diakhiri dalam suatu periode ceased to be controlled during the period, the
berjalan, maka hasil usaha entitas anak yang result of operations of that subsidiary is
diperhitungkan ke dalam laporan keuangan included in the consolidated financial
konsolidasian hanya sebatas hasil pada saat statements only from the date that the control
pengendalian tersebut mulai diperoleh atau has commenced or up to the date that the
hingga saat pengendalian itu berakhir. control has ceased.
24

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Suatu pengendalian atas suatu entitas anak Control over a subsidiary is presumed to exist
lain dianggap ada bilamana Bank menguasai where more than 50% of the subsidiary’s
lebih dari lima puluh persen (50%) hak suara, voting power is controlled by the Bank, or the
atau Bank dapat menentukan kebijakan Bank has the ability to control the financial and
keuangan dan operasi dari entitas anak, atau operating policies of the subsidiary, or has the
mempunyai kemampuan untuk ability to remove or appoint the majority of the
memberhentikan atau menunjuk mayoritas subsidiary’s Board of Directors, or control the
Direksi entitas anak, atau mampu menguasai majority vote during management meeting.
suara mayoritas dalam rapat pengurus.
Seluruh saldo dan transaksi termasuk All significant balances and transactions,
keuntungan/kerugian yang belum direalisasi including unrealized gains/losses between
antar Bank dan entitas anak yang signifikan Bank and subsidiaries are eliminated to reflect
dieliminasi untuk mencerminkan posisi the consolidated financial position and results
keuangan dan hasil usaha konsolidasian Bank of operations of Bank and its subsidiaries as a
dan entitas anaknya sebagai satu kesatuan single entity.
usaha.
Laporan keuangan konsolidasian disusun The consolidated financial statements are

dengan menggunakan kebijakan akuntansi prepared using uniform accounting policies for
yang sama untuk peristiwa dan transaksi transactions and events in similar
sejenis dalam kondisi yang sama. Apabila circumstances. If the subsidiaries’ financial
laporan keuangan entitas anak menggunakan statements use accounting policies different
kebijakan akuntansi yang berbeda dari from those adopted in the consolidated
kebijakan akuntansi yang digunakan dalam financial statements, appropriate adjustments
laporan keuangan konsolidasian, maka are made to the subsidiary’s financial
dilakukan penyesuaian yang diperlukan statements, except for the Sharia accounts
terhadap laporan keuangan entitas anak and transactions of the consolidated
tersebut, kecuali untuk akun-akun dan subsidiaries.
transaksi syariah dari entitas anak yang
dikonsolidasi.
Kepentingan non-pengendali disajikan di The non-controlling interest is presented in the

ekuitas dalam laporan posisi keuangan equity of the consolidated statements of
konsolidasian dan dinyatakan sebesar proporsi financial position and represents the non-
pemegang saham non-pengendali atas laba controlling shareholders’ proportionate share
tahun berjalan dan ekuitas entitas anak in the income for the year and equity of the
tersebut sesuai dengan persentase subsidiaries based on the percentage of
kepemilikan pemegang saham non-pengendali ownership of the non-controlling shareholders
pada entitas anak tersebut. in the subsidiaries.
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Transaksi dalam mata uang asing dijabarkan Transactions denominated in foreign

ke mata uang rupiah dengan menggunakan currencies are converted into rupiah at the
kurs yang berlaku pada tanggal transaksi. exchange rates prevailing at the dates of the
Pada tanggal laporan posisi keuangan transactions. At the consolidated statement of
konsolidasian, aset dan liabilitas moneter financial position, monetary assets and
dalam mata uang asing dijabarkan dengan liabilities denominated in foreign currencies
menggunakan kurs yang berlaku pada tanggal are translated at the exchange rates prevailing
laporan posisi keuangan konsolidasian. at such date.
25

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Keuntungan dan kerugian selisih kurs yang Exchange gains and losses arising from
timbul dari transaksi dalam mata uang asing dan transactions denominated in foreign
dari penjabaran aset dan liabilitas moneter currencies and from the translation of
dalam mata uang asing diakui dalam laporan monetary assets and liabilities denominated
laba rugi komprehensif tahun berjalan. in foreign currencies are recognized in the
statement of comprehensive income for the
current year.
Berikut ini adalah kurs mata uang asing utama Below are the major exchange rates used for
yang digunakan untuk penjabaran dalam translation into rupiah as of December 31,
rupiah pada tanggal 31 Desember 2014 2014 and 2013 using the middle rates based
dan 2013 yang menggunakan kurs tengah on Reuters (at 16.00 hours Western
berdasarkan Reuters (pukul 16.00 Waktu Indonesian Time) (in full amount).
Indonesia Barat) (dalam Rupiah penuh).

Dolar Amerika Serikat 12.385 12.170 United States Dollar

Dolar Australia 10.148 10.856 Australian Dollar
Dolar Singapura 9.376 9.622 Singapore Dollar
Poundsterling Inggris 19.288 20.110 Great Britain Poundsterling
Yen Jepang 104 116 Japanese Yen
Dolar Hong Kong 1.597 1.570 Hong Kong Dollar
Euro Eropa 15.053 16.759 European Euro
Riyal Saudi Arabia 3.300 3.244 Saudi Arabian Riyal
Yuan China 1.996 2.010 Chinese Yuan
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Aset keuangan Bank dan entitas anak terdiri The Bank and subsidiaries financial assets
dari kas, giro pada Bank Indonesia, giro pada consist of cash, current accounts with Bank
bank lain, penempatan pada Bank Indonesia Indonesia, current accounts with other banks,
dan bank lain, surat-surat berharga, efek-efek placements with Bank Indonesia and other
yang dibeli dengan janji dijual kembali, wesel banks, marketable securities, marketable
ekspor dan tagihan lainnya, penyertaan securities purchased under agreements to
saham, kredit yang diberikan, tagihan resell, bills and other recievables, investments
akseptasi, bunga yang masih akan diterima, in shares, loans, acceptances receivable,
dan aset lain-lain (setoran jaminan). interest receivables, and other assets
(guarantee deposit).
Liabilitas keuangan Bank dan entitas anak The Bank’s and subsidiaries’ financial
terdiri dari liabilitas segera, simpanan liabilities consist of obligations due
nasabah, simpanan dari bank lain, efek-efek immediately, deposits from customers,
yang dijual dengan janji dibeli kembali, deposits from other banks, marketable
liabilitas derivatif, liabilitas akseptasi, efek securities sold under agreement to
utang yang diterbitkan, pinjaman yang repurchase, derivatif liabilities, acceptances
diterima, bunga yang masih harus dibayar, dan payable, debt securities issued, borrowings,
liabilitas lain-lain. interest payable, and other liabilities.
26

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(i) Klasifikasi (i) Classification
Bank mengklasifikasi aset keuangannya The Bank classified its financial assets in
berdasarkan kategori sebagai berikut the following categories on initial
pada saat pengakuan awal: recognition:

% Aset keuangan yang diukur pada nilai % Financial assets held at fair value
wajar melalui laba rugi, yang memiliki through profit or loss, which have 2
2 (dua) sub-klasifikasi, yaitu aset (two) sub-classifications, i.e. financial
keuangan yang ditetapkan demikian assets designated as such upon initial
pada saat pengakuan awal dan aset recognition and financial assets
keuangan yang diklasifikasi dalam classified as held-for-trading;
kelompok yang diperdagangkan;

% Kredit yang diberikan dan piutang; % Loans and receivables;

% Investasi dalam kelompok dimiliki % Held-to-maturity investments; and
hingga jatuh tempo; dan

% Aset keuangan yang diklasifikasikan % Available-for-sale financial assets.
dalam kelompok tersedia untuk dijual.
Liabilitas keuangan diklasifikasikan ke Financial liabilities are classified into the

dalam kategori sebagai berikut pada saat following categories on initial recognition:
pengakuan awal:
% Liabilitas keuangan yang diukur pada % Financial liabilities at fair value

nilai wajar melalui laba rugi, yang through profit or loss, which has 2
memiliki 2 sub-klasifikasi, yaitu sub-classifications, i.e. those
liabilitas keuangan yang ditetapkan designated as such upon initial
demikian pada saat pengakuan awal recognition and those classified as
dan liabilitas keuangan yang telah held-for-trading;
diklasifikasikan dalam kelompok
diperdagangkan;
% Liabilitas keuangan lain yang tidak % Other financial liabilities that are not
diklasifikasikan sebagai liabilitas classified as financial liabilities at fair
keuangan yang diukur pada nilai value through profit or loss are
wajar melalui laporan laba rugi categorized and measured at
dikategorikan dan diukur dengan amortized cost.
biaya perolehan diamortisasi.
Kelompok aset dan liabilitas yang diukur The sub-classification of financial assets
pada nilai wajar melalui laba rugi terdiri and liabilities at fair value through profit or
dari aset dan liabilitas keuangan yang loss consists of financial assets and
diperoleh atau dimiliki Bank terutama liabilities that the Bank acquires or incurs
untuk tujuan dijual atau dibeli kembali principally for the purpose of selling or
dalam waktu dekat, atau dimiliki sebagai repurchasing in the near term, or holds as
bagian dari portofolio instrumen keuangan part of a financial instrument portfolio that
tertentu yang dikelola bersama untuk is managed together for short-term profit
memperoleh laba jangka pendek atau or position taking.
position taking.
27

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(i) Klasifikasi (lanjutan) (i) Classification (continued)
Kredit yang diberikan dan piutang adalah Loans and receivables are non-derivative
aset keuangan non-derivatif dengan financial assets with fixed or determinable
pembayaran tetap atau telah ditentukan payments and are not quoted in an active
dan tidak mempunyai kuotasi di pasar market, except:
aktif, kecuali:
% yang dimaksudkan oleh Bank untuk % those that the Bank intends to sell
dijual segera dalam waktu dekat, yang immediately or in the short term, which
diklasifikasikan dalam kelompok are classified as held-for- trading, and
diperdagangkan, serta yang pada saat those that the Bank upon initial
pengakuan awal ditetapkan diukur recognition designates at fair value
pada nilai wajar melalui laba rugi; through profit or loss;
% yang pada saat pengakuan awal % those that upon initial recognition are
ditetapkan dalam kelompok investasi designated as available-for-sale
tersedia untuk dijual; atau investments; or
% dalam hal Bank tidak akan % those for which the Bank may not
memperoleh kembali seluruh investasi recover substantially all of its initial
awal kecuali yang disebabkan oleh investment, other than because of
penurunan kualitas kredit yang loans and receivable deterioration,
diberikan dan piutang, yang which are classified as available-for-
diklasifikasikan dalam kelompok sale.
tersedia untuk dijual.
Investasi dalam kategori dimiliki hingga Held-to-maturity investments consist of

jatuh tempo adalah aset keuangan non- quoted non-derivative financial assets
derivatif yang dapat dikuotasikan dengan with fixed or determinable payments and
pembayaran tetap atau telah ditentukan fixed maturity which the Bank has the
dan jatuh temponya telah ditetapkan positive intention and ability to hold until
dimana Bank mempunyai intensi positif maturity. Investments intended to be held
dan kemampuan untuk memiliki aset for an undetermined period of time are
keuangan tersebut hingga jatuh tempo. not included in this classification.
Investasi yang dimiliki untuk periode yang
tidak dapat ditentukan tidak dikategorikan
dalam klasifikasi ini.
Kategori tersedia untuk dijual terdiri dari The available-for-sale category consists of
aset keuangan non-derivatif yang non-derivative financial assets that are
ditetapkan sebagai tersedia untuk dijual designated as available-for-sale or are not
atau yang tidak dikelompokkan ke dalam classified in one of the other categories of
salah satu kategori aset keuangan lainnya. financial assets.
28

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&$7$7$1$7$6/$325$1.(8$1*$1 127(6727+(&2162/,'$7('),1$1&,$/
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ODQMXWDQ
(i) Klasifikasi (lanjutan) (i) Classification (continued)
Setelah pengukuran awal, investasi After initial recognition,available-for-sale

tersedia untuk dijual diukur menggunakan investments are measured at fair value
nilai wajar dengan laba atau rugi yang with gains or losses being recognized in
diakui sebagai bagian dari ekuitas sampai equity until the investment is
dengan investasi dihentikan derecognized or until the investment is
pengakuannya atau sampai investasi determined to be impaired at which time
dinyatakan mengalami penurunan nilai the cumulative gains or losses previously
dimana akumulasi laba atau rugi reported in equity is included in the
sebelumnya dilaporkan dalam ekuitas statement of comprehensive income. The
dilaporkan dalam laporan laba rugi effective yield and (where applicable)
komprehensif. Hasil efektif dan (bila dapat results of foreign exchange restatement
diaplikasikan) hasil dari nilai tukar for available-for-sale investments are
dinyatakan kembali untuk investasi reported in the statement of
tersedia dijual dan dilaporkan pada comprehensive income.
laporan laba rugi komprehensif.
Liabilitas keuangan lainnya merupakan Other financial liabilities represent

liabilitas keuangan yang tidak dimiliki financial liabilities that are neither held for
untuk dijual atau ditentukan sebagai nilai trading nor designated at fair value
wajar melalui laporan laba rugi saat through profit or loss upon the recognition
pengakuan liabilitas. of the liability.
Manajemen menentukan klasifikasi aset Management determines the

keuangan dan liabilitas keuangan pada classification of its financial assets and
saat pengakuan awal. liabilities at initial recognition.
(ii) Pengakuan awal (ii) Initial recognition
a. Pembelian atau penjualan aset a. Purchases or sales of financial assets

keuangan yang memerlukan that require delivery of assets within a
penyerahan aset dalam kurun waktu time frame established by regulation
yang telah ditetapkan oleh peraturan or convention in the market place
dan kebiasaan yang berlaku di pasar (regular way purchases) are
(pembelian secara reguler) diakui recognized on the settlement date,
pada tanggal penyelesaian, seperti i.e., the date that the companies
tanggal perusahaan berkomitmen commit to purchase or sell the assets.
untuk membeli atau menjual aset.
b. Aset keuangan dan liabilitas b. Financial assets and liabilities are

keuangan pada awalnya diukur pada initially recognized at fair value plus,
nilai wajarnya. Dalam hal aset for those financial assets not at fair
keuangan atau liabilitas keuangan value through profit and loss, directly
tidak diukur pada nilai wajar melalui attributable transaction costs. The
laporan laba rugi, nilai wajar tersebut subsequent measurement of financial
ditambah biaya transaksi yang dapat assets and liabilities depends on their
diatribusikan secara langsung. classification.
Pengukuran aset keuangan dan
liabilitas keuangan setelah pengakuan
awal tergantung pada klasifikasinya.
29

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-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
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ODQMXWDQ
(ii) Pengakuan awal (lanjutan) (ii) Initial recognition (continued)
Biaya transaksi hanya meliputi biaya-biaya Transaction costs only include costs that
yang dapat diatribusikan secara langsung are directly attributable to the acquisition
untuk perolehan suatu aset keuangan of a financial asset or issuance of a
atau penerbitan suatu liabilitas keuangan financial liability and an additional charge
dan merupakan biaya tambahan yang that would not occur if the instrument is
tidak akan terjadi apabila instrumen not acquired or issued. For financial
keuangan tersebut tidak diperoleh atau assets, transaction costs are added to the
diterbitkan. Untuk aset keuangan, biaya amount recognized in the initial
transaksi ditambahkan pada jumlah yang recognition of the asset, while for financial
diakui pada awal pengakuan aset, liabilities, transaction costs are deducted
sedangkan untuk liabilitas keuangan, from the amount of debt recognized on
biaya transaksi dikurangkan dari jumlah initial recognition of a liability. The
utang yang diakui pada pengakuan awal transaction costs are amortized over the
liabilitas. Biaya transaksi tersebut terms of the instrument based on the
diamortisasi selama umur instrumen effective interest rate method and
berdasarkan metode suku bunga efektif recorded as part of interest income for
dan dicatat sebagai bagian dari transaction costs related to the financial
pendapatan bunga untuk biaya transaksi asset or as part of interest expense for
sehubungan dengan aset keuangan atau transaction costs related to financial
sebagai bagian dari beban bunga untuk liabilities.
biaya transaksi sehubungan dengan
liabilitas keuangan.
Bank, pada pengakuan awal, dapat The Bank, upon initial recognition, may
menetapkan aset keuangan dan liabilitas designate certain financial assets and
keuangan tertentu sebagai nilai wajar liabilities, at fair value through profit or
melalui laba rugi (opsi nilai wajar). Opsi loss (fair value option). The fair value
nilai wajar dapat digunakan hanya bila option is only applied when the following
memenuhi ketetapan sebagai berikut: conditions are met:
% penetapan sebagai opsi nilai wajar % the application of the fair value option
mengurangi atau mengeliminasi reduces or eliminates an accounting
ketidak-konsistenan pengukuran dan mismatch that would otherwise arise;
pengakuan (accounting mismatch) or
yang dapat timbul; atau
% aset keuangan dan liabilitas keuangan % the financial assets and liabilities are
merupakan bagian dari portofolio part of a portfolio of financial
instrumen keuangan yang risikonya instruments, the risks of which are
dikelola dan dilaporkan kepada managed and reported to key
manajemen kunci berdasarkan nilai management on a fair value basis; or
wajar; atau
% aset keuangan dan liabilitas keuangan % the financial assets and liabilities
terdiri dari kontrak utama dan derivatif consist of a host contract and an
melekat yang harus dipisahkan. embedded derivative that must be
bifurcated.
30

37%$1.3(0%$1*81$1'$(5$+ 37%$1.3(0%$1*81$1'$(5$+
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'$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6 649
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ODQMXWDQ
(iii) Pengukuran setelah pengakuan awal (iii) Subsequent measurement
a. Aset keuangan dalam kelompok a. Available-for-sale financial assets and

tersedia untuk dijual dan aset financial assets and liabilities
keuangan dan liabilitas keuangan measured at fair value through profit
yang diukur pada nilai wajar melalui or loss are subsequently measured at
laporan laba rugi diukur pada nilai fair value.
wajarnya.
b. Kredit yang diberikan dan piutang b. Loans and receivables and held-to-
serta investasi dimiliki hingga jatuh maturity investments and other
tempo dan liabilitas keuangan lainnya financial liabilities which are measured
yang diukur pada biaya perolehan at amortized cost, are measured at
diamortisasi, diukur pada biaya amortized cost using the effective
perolehan diamortisasi dengan interest method.
menggunakan metode suku bunga
efektif.
(iv) Penghentian pengakuan (iv) Derecognition
a. Aset keuangan dihentikan a. Financial assets are derecognized

pengakuannya jika: when:
- Hak kontraktual atas arus kas - The contractual rights to receive

yang berasal dari aset keuangan cash flows from the financial
tersebut berakhir; atau assets have expired; or
- Bank mentransfer hak untuk - The Bank has transferred its rights
menerima arus kas yang berasal to receive cash flows from the
dari aset keuangan atau financial assets or has assumed
menanggung liabilitas untuk an obligation to pay the received
membayarkan arus kas yang cash flows in full without material
diterima tersebut secara penuh delay to a third party under a ‘pass
tanpa penundaan berarti kepada through arrangement’; and
pihak ketiga di bawah
kesepakatan pelepasan (pass
through arrangement); dan
- (a) Bank telah mentransfer secara - Either (a) the Bank has transferred
substansial seluruh risiko dan substantially all the risks and
manfaat atas aset, atau (b) Bank rewards of the asset, or (b) the
tidak mentransfer maupun tidak Bank has neither transferred nor
memiliki secara substansial retained substantially all the risks
seluruh risiko dan manfaat atas and rewards of the asset, but has
aset, namun telah mentransfer transferred control of the asset.
pengendalian atas aset.
31

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-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
650 '$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6
&$7$7$1$7$6/$325$1.(8$1*$1 127(6727+(&2162/,'$7('),1$1&,$/
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ODQMXWDQ
(iv) Penghentian pengakuan (lanjutan) (iv) Derecognition (continued)
a. Aset keuangan dihentikan a. Financial assets are derecognized

pengakuannya jika (lanjutan): when (continued):
Ketika Bank telah mentransfer hak When the Bank has transferred its
untuk menerima arus kas dari aset rights to receive cash flows from an
atau di bawah kesepakatan asset or has entered into a pass-
pelepasan (pass-through through arrangement, and has neither
arrangement), dan tidak mentransfer transferred nor retained substantially
serta tidak memiliki secara all risks and rewards of the asset nor
substansial seluruh risiko dan manfaat transferred control of the asset, the
atas aset dan masih memiliki asset is recognized to the extent of
pengendalian atas aset, aset diakui the Bank’s continuing involvement in
sebesar keterlibatan Bank yang the asset.
berkelanjutan atas aset tersebut.
Kredit yang diberikan atau aset Loans or other financial assets are
keuangan lain dihapusbukukan ketika written off when there is no realistic
tidak terdapat prospek yang realistis prospect of collection in the near
mengenai pengembalian kredit dalam future or the normal relationship
waktu dekat atau hubungan normal between the Bank and the borrowers
antara Bank dan debitur telah has ceased to exist. When a loan is
berakhir. Kredit yang tidak dapat deemed uncollectible, it is written off
dilunasi dihapusbukukan dengan against the related allowance for
mendebit cadangan kerugian impairment losses. Subsequent
penurunan nilai. Penerimaan recoveries from loans previously
kemudian atas kredit yang telah written off, are added to the allowance
dihapusbukukan sebelumnya, jika for impairment losses account in the
pada periode berjalan dikreditkan ke consolidated statement of financial
dalam akun cadangan kerugian position, if recovered in the current
penurunan nilai atas kredit yang year and are recognized in the
diberikan di laporan posisi keuangan statements of comprehensive income
konsolidasian, sedangkan jika setelah as other operating income, if
tanggal laporan posisi keuangan recovered after the consolidated
konsolidasian dikreditkan sebagai statement of financial position date.
pendapatan operasional lainnya
dalam laporan laba rugi
komprehensif.
b. Liabilitas keuangan dihentikan b. Financial liabilities are derecognized

pengakuannya jika liabilitas keuangan when they are extinguished, i.e.
tersebut berakhir, yaitu ketika liabilitas liabilities stated in the contract are
yang ditetapkan dalam kontrak released or cancelled or have
dilepaskan atau dibatalkan atau expired.
kadaluwarsa.
32

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-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
'$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6 651
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.2162/,'$6,$1 67$7(0(176

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ODQMXWDQ
(iv) Penghentian pengakuan (lanjutan) (iv) Derecognition (continued)
Jika suatu liabilitas keuangan yang Where an existing financial liability is

ada digantikan dengan yang lain oleh replaced by another from the same
pemberi pinjaman yang sama pada lender on substantially different terms,
keadaan yang secara substansial or the terms of an existing liability are
berbeda, atau berdasarkan suatu substantially modified, such an
liabilitas yang ada yang secara exchange or modification is treated as
substansial telah diubah, seperti derecognition of the original liability
pertukaran atau modifikasi yang and the recognition of a new liability,
diperlakukan sebagai penghentian and the difference in the respective
pengakuan liabilitas awal dan carrying amounts is recognised in the
pengakuan liabilitas baru, dan statement of comprehensive income.
perbedaan nilai tercatat masing-
masing diakui dalam laporan laba rugi
komprehensif.
(v) Pengakuan pendapatan dan beban (v) Income and expense recognition
a. Pendapatan dan beban bunga atas a. Interest income and expense on

aset tersedia untuk dijual, serta aset available-for-sale assets and financial
keuangan dan liabilitas keuangan assets and liabilities measured at
yang dicatat berdasarkan biaya amortized cost are recognised in the
perolehan diamortisasi diakui pada consolidated statement of
laporan laba rugi komprehensif comprehensive income using the
konsolidasian dengan menggunakan effective interest method.
metode suku bunga efektif.
b. Keuntungan dan kerugian yang belum b. Unrealized gains and losses arising
direalisasi yang timbul dari perubahan from changes in the fair value of the
nilai wajar aset keuangan dan financial assets and liabilities
liabilitas keuangan yang diukur pada measured at fair value through profit
nilai wajar melalui laporan laba rugi or loss are included in the statement
diakui pada laporan laba rugi of comprehensive income.
komprehensif.
Keuntungan dan kerugian yang belum Unrealized gains and losses arising
direalisasi yang timbul dari perubahan from changes in the fair value of
nilai wajar aset keuangan yang available-for-sale financial assets
diklasifikasikan dalam kelompok other than foreign exchange gains
tersedia untuk dijual kecuali and losses from monetary items are
keuntungan atau kerugian akibat recognised directly in equity, until the
perubahan nilai tukar diakui secara financial asset is derecognized or
langsung dalam ekuitas, sampai aset impaired.
keuangan tersebut dihentikan
pengakuannya atau adanya
penurunan nilai.
Pada saat aset keuangan dihentikan At the time the financial asset is
pengakuannya atau dilakukan derecognized or impaired, the
penurunan nilai, keuntungan atau cumulative gains or losses previously
kerugian kumulatif yang sebelumnya recognized in equity are recognized in
diakui dalam ekuitas harus diakui consolidated statement of
pada laporan laba rugi komprehensif comprehensive income.
konsolidasian.
33

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-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
652 '$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6
&$7$7$1$7$6/$325$1.(8$1*$1 127(6727+(&2162/,'$7('),1$1&,$/
.2162/,'$6,$1 67$7(0(176

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ODQMXWDQ
(vi) Reklasifikasi aset keuangan (vi) Reclassification of financial assets
Bank tidak diperkenankan untuk Bank is not allowed to reclassify any

mereklasifikasi setiap instrumen keuangan financial instrument out of or into the fair
dari diukur pada nilai wajar melalui laba value through profit or loss, if the initial
rugi, jika pada pengakuan awal instrumen recognition of financial instruments is
keuangan tersebut ditetapkan oleh Bank determined by Bank as measured at fair
sebagai diukur pada nilai wajar melalui value through profit or loss.
laba rugi.
Bank dan entitas anak tidak boleh The Bank and subsidiaries cannot
mengklasifikasikan aset keuangan classify any financial assets as held-to-
sebagai investasi dimiliki hingga jatuh maturity investments, if the Bank and
tempo, jika Bank dan entitas anak dalam subsidiaries, during the current period or
periode berjalan atau dalam kurun waktu 2 in the 2 (two) preceeding years, had sold
(dua) tahun sebelumnya, telah menjual or reclassified in more than an
atau mereklasifikasi investasi dimiliki insignificant amount of held-to-maturity
hingga jatuh tempo dalam jumlah yang investments before their maturity (more
lebih dari jumlah yang tidak signifikan than an insignificant amount compared to
sebelum jatuh tempo (lebih dari jumlah the total amount of held-to-maturity
yang tidak signifikan dibandingkan dengan investments), other than sales or
jumlah nilai investasi dimiliki hingga jatuh reclassifications that:
tempo), kecuali penjualan atau
reklasifikasi tersebut dimana:
a. sudah mendekati jatuh tempo atau a. are so close to maturity or repurchase

tanggal pembelian kembali di mana date that change in interest rate would
perubahan suku bunga tidak akan not have a significant effect on the
berpengaruh secara signifikan financial assets’ fair value;
terhadap nilai wajar aset keuangan
tersebut;
b. terjadi setelah Bank dan entitas anak b. occur after the Bank and subsidiaries
telah memperoleh secara substansial have obtained substantially all the
seluruh jumlah pokok aset keuangan principal amount of financial assets in
tersebut sesuai jadwal pembayaran accordance with the payment
atau Bank dan entitas anak telah schedule or the Bank and subsidiaries
memperoleh pelunasan dipercepat; have obtained early payment; or
atau
c. terkait dengan kejadian tertentu yang c. are attributable to an isolated event

berada di luar kendali Bank dan that is beyond the Bank’s and
entitas anak, tidak berulang, dan tidak subsidiaries’ controls are non-
dapat diantisipasi secara wajar oleh recurring, and could not have been
Bank dan entitas anak. reasonably anticipated by the Bank
and subsidiaries.
34

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-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
'$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6 653
&$7$7$1$7$6/$325$1.(8$1*$1 127(6727+(&2162/,'$7('),1$1&,$/
.2162/,'$6,$1 67$7(0(176

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ODQMXWDQ
(vi) Reklasifikasi aset keuangan (lanjutan) (vi) Reclassification of financial assets

(continued)
Reklasifikasi aset keuangan dari Reclassification of financial assets from

kelompok dimiliki hingga jatuh tempo ke held-to-maturity to available-for-sale
kelompok tersedia untuk dijual dicatat category is recorded at fair value.
sebesar nilai wajarnya. Keuntungan atau Unrealized gains or losses are reported in
kerugian yang belum direalisasi tetap equity and are amortized using effective
dilaporkan dalam ekuitas dan interest method over the remaining life of
diamortisasi menggunakan metode suku the financial assets.
bunga efektif selama sisa umur aset
keuangan tersebut.
(vii) Saling hapus (vii) Offsetting
Aset keuangan dan liabilitas keuangan Financial assets and liabilities are off-set
dilakukan saling hapus dan nilai and the net amount is presented in the
bersihnya disajikan dalam laporan posisi consolidated statement of financial
keuangan konsolidasian jika, dan hanya position when, and only when, the Bank
jika, Bank dan entitas anak memiliki hak and subsidiaries have a legal right to off-
yang berkekuatan hukum untuk set the amounts and intends either to
melakukan saling hapus atas jumlah yang settle on a net basis or to realize the
telah diakui tersebut dan adanya maksud asset and settle the liability
untuk menyelesaikan secara neto atau simultaneously.
untuk merealisasikan aset dan
menyelesaikan liabilitasnya secara
simultan.
Pendapatan dan beban disajikan dalam Income and expenses are presented on a
jumlah bersih hanya jika diperkenankan net basis only when permitted by the
oleh Standar Akuntansi Keuangan. Financial Accounting Standards.
(viii) Pengukuran biaya diamortisasi (viii) Amortized cost measurement
Biaya perolehan diamortisasi dari aset The amortized cost of a financial asset or
keuangan atau liabilitas keuangan adalah liability is the amount at which the
jumlah aset keuangan atau liabilitas financial asset or liability is measured at
keuangan yang diukur pada saat initial recognition, minus principal
pengakuan awal dikurangi pembayaran repayments, plus or minus the cumulative
pokok pinjaman, ditambah atau dikurangi amortization using the effective interest
amortisasi kumulatif menggunakan rate method of any difference between
metode suku bunga efektif yang dihitung the initial amount recognized and the
dari selisih antara nilai pengakuan awal maturity amount, minus any reduction for
dan nilai jatuh temponya, dan dikurangi impairment.
penurunan nilai.
35

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-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
654 '$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6
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ODQMXWDQ
(ix) Pengukuran nilai wajar (ix) Fair value measurement
Nilai wajar adalah nilai dimana suatu aset Fair value is the amount for which an
dapat dipertukarkan, atau suatu liabilitas asset could be exchanged, or a liability
dapat diselesaikan, diantara para pihak settled, between knowledgeable, willing
yang memahami dan berkeinginan untuk parties in an arm’s length transaction on
melakukan transaksi yang wajar pada the measurement date, including the
tanggal pengukuran, termasuk market value from the Interdealer Market
didalamnya adalah nilai pasar dari Association (IDMA) or the given price by
Interdealer Market Association (IDMA) brokers (quoted price) from Bloomberg
atau harga yang diberikan oleh broker and Reuters on the measurement date.
(quoted price) dari Bloomberg dan
Reuters pada tanggal pengukuran.
Jika tersedia, Bank dan entitas anak When available, the Bank and
mengukur nilai wajar dari suatu instrumen subsidiaries measure the fair value of an
dengan menggunakan harga kuotasi di instrument using quoted prices in an
pasar aktif untuk instrumen terkait. Suatu active market for that instrument. A
pasar dianggap aktif bila harga yang market is regarded as active if quoted
dikuotasikan tersedia sewaktu-waktu dari prices are readily available from the stock
bursa, pedagang efek (dealer), perantara exchange, dealer, broker, industry group,
efek (broker), kelompok industri, badan pricing service or regulating agency and
pengawas (pricing service or regulating represent actual and regularly occurring
agency) dan merupakan transaksi pasar market transactions on an arm’s length
aktual dan teratur terjadi yang dilakukan basis.
secara wajar.
Kuotasi harga pasar yang sesuai bagi The appropriate quoted market price for
aset yang dimiliki atau liabilitas yang akan an asset held or liability to be issued is
diterbitkan biasanya sama dengan harga usually the current bid price and, for an
penawaran yang berlaku, sementara asset to be acquired or liability held, the
untuk aset yang akan diperoleh atau current offer or asking price. Where the
liabilitas yang dimiliki adalah harga Bank has asset and liability with offsetting
permintaannya. Jika Bank memiliki aset market risk, middle-market prices can be
dan liabilitas dimana risiko pasarnya used to measure the offsetting risk
saling hapus, nilai tengah dari pasar dapat positions or bid or ask price adjustment is
digunakan sebagai dasar untuk applied to the appropriate net open
menentukan nilai wajar posisi risiko yang positions as appropriate.
saling hapus tersebut dan penyesuaian
harga penawaran atau harga permintaan
diterapkan pada posisi terbuka atau neto
(net open position) yang sesuai.
(x) Aset keuangan sukuk (x) Sukuk Financial Asset
Pada saat pengakuan awal, entitas At initial recognition, the entity

menentukan klasifikasi investasi pada determines the classification of
sukuk sebagai diukur pada biaya investments in sukuk either measured at
perolehan atau diukur pada nilai wajar. cost or fair value.
36

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-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
'$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6 655
&$7$7$1$7$6/$325$1.(8$1*$1 127(6727+(&2162/,'$7('),1$1&,$/
.2162/,'$6,$1 67$7(0(176

,.+7,6$5 .(%,-$.$1 $.817$16, <$1* 6800$5< 2) 6,*1,),&$17 $&&2817,1*

ODQMXWDQ
(x) Aset keuangan sukuk (lanjutan) (x) Sukuk Financial Asset (continued)
Investasi pada sukuk ijarah dan sukuk After the initial recognition, investment in
mudharabah setelah pengakuan awal, ijarah sukuk and mudharabah sukuk is
diukur sebagai berikut: measured as follows:
a. Diukur pada biaya perolehan a. Measured at cost
% Investasi tersebut dimiliki dalam % The investment is held in a

suatu model usaha yang business model whereby the
bertujuan utama untuk primary goal is to obtain
memperoleh arus kas kontraktual contractual cash flows and has
dan terdapat persyaratan contractual terms in determining
kontraktual dalam menentukan the specific date of principal
tanggal tertentu atas payments and or the results.
pembayaran pokok dan atau
hasilnya.
% Biaya perolehan sukuk termasuk % Sukuk acquisition cost includes
biaya transaksi. transaction cost.
% Selisih antara biaya perolehan % The difference between the
dan nilai nominal diamortisasi acquisition cost and the nominal
secara garis lurus selama jangka value is amortized on a straight-
waktu sukuk. line basis over the period of the
sukuk.
% Rugi penurunan nilai diakui jika % Impairment loss is recognized if
jumlah terpulihkan lebih kecil dari the recoverable amount is less
jumlah tercatat dan disajikan than the carrying amount and is
sebagai rugi penurunan nilai di presented as an impairment loss
dalam laporan laba rugi in the consolidated statement of
komprehensif konsolidasian. comprehensive income.
b. Diukur pada nilai wajar b. Measured at fair value
% Nilai wajar ditentukan dengan % The fair value is determined with

mengacu pada urutan sebagai reference to the following order:
berikut:
- Kuotasi harga di pasar aktif - Quoted price in active market

- Harga yang terjadi dari - Price from the current
transaksi terkini, apabila tidak transaction, if there is no
ada kuotasi harga di pasar aktif available price quotations in an
active market
- Nilai wajar instrumen sejenis, - Fair value of similar instrument,
apabila tidak ada kuotasi harga if there is no available price
di pasar aktif dan tidak ada quotations in an active market
harga yang terjadi dari and no price from the current
transaksi terkini transaction
% Biaya perolehan sukuk tidak % Sukuk acquisition cost does not
termasuk biaya transaksi include transaction cost
% Selisih antara nilai wajar dan % The difference between fair value
jumlah tercatat diakui dalam and carrying value is presented in
laporan laba rugi komprehensif the statement of comprehensive
income
37

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-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
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(x) Aset keuangan sukuk (lanjutan) (x) Sukuk Financial Asset (continued)
Semua investasi sukuk Bank dilakukan All investment in sukuk of Bank was
dengan akad ijarah. done under ijarah contracts.
H *LURSDGD%DQN,QGRQHVLDGDQEDQNODLQ H &XUUHQWDFFRXQWVZLWK%DQN,QGRQHVLDDQG

RWKHUEDQNV
Giro pada Bank Indonesia dan bank lain Current accounts with Bank Indonesia and
dinyatakan sebesar biaya perolehan other banks are stated at amortized cost using
diamortisasi menggunakan metode suku the effective interest rate method less
bunga efektif dikurangi cadangan kerugian allowance for impairment losses. Current
penurunan nilai. Giro pada Bank Indonesia accounts with Bank Indonesia and other
dan bank lain diklasifikasikan sebagai kredit banks are classified as loans and receivables.
yang diberikan dan piutang.
I 3HQHPSDWDQSDGD%DQN,QGRQHVLDGDQEDQN I 3ODFHPHQWVZLWK%DQN,QGRQHVLDDQGRWKHU

ODLQ EDQNV
Penempatan pada Bank Indonesia dan bank Placements with Bank Indonesia and other
lain merupakan penanaman dana pada Bank banks represent placements of funds in Bank
Indonesia berupa deposit facility dan deposit Indonesia in the form of deposit facility and
facility syariah, sedangkan penempatan pada sharia deposit facility, whereas placement with
bank lain berupa deposito berjangka. other banks is in the form of time deposit.
Penempatan pada Bank Indonesia dan bank Placements with Bank Indonesia and other
lain dinyatakan sebesar biaya perolehan banks are stated at amortized cost using the
diamortisasi menggunakan metode suku effective interest rate method less allowance
bunga efektif dikurangi cadangan kerugian for impairment losses. Placements with Bank
penurunan nilai. Penempatan pada Bank Indonesia and other banks are classified as
Indonesia dan bank lain diklasifikasikan loans and receivables.
sebagai kredit yang diberikan dan piutang.
J 6XUDWEHUKDUJD J 0DUNHWDEOHVHFXULWLHV
Surat berharga yang dimiliki terdiri dari Marketable securities consist of Certificates of
Sertifikat Bank Indonesia, Sertifikat Deposito Bank Indonesia, Deposit Certificates of Bank
Bank Indonesia, dan obligasi yang Indonesia, and bonds traded on the stock
diperdagangkan di bursa efek. exchange.
Surat berharga syariah diklasifikasikan Sharia marketable securities are classified as

sebagai dimiliki hingga jatuh tempo. held-to-maturity.
Surat berharga pada awalnya disajikan Marketable securities are initially measured at
sebesar nilai wajar. Setelah pengakuan awal, fair value. Subsequently, marketable securities
surat berharga dicatat sesuai kategorinya, are accounted for depending on their
yaitu tersedia untuk dijual, dimiliki hingga jatuh classification as available-for-sale, held-to-
tempo atau nilai wajar melalui laba rugi. maturity or fair value through profit or loss.
38

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-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
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J 6XUDWEHUKDUJDODQMXWDQ J 0DUNHWDEOHVHFXULWLHVFRQWLQXHG
Pengukuran surat-surat berharga dinyatakan Measurement of securities is stated based on

berdasarkan klasifikasinya sebagai berikut: the classification of the securities as follows:
1. Surat-surat berharga yang dimiliki hingga 1. Held-to-maturity marketable securities are

jatuh tempo dicatat pada biaya perolehan carried at amortized cost using the
yang diamortisasi menggunakan metode effective interest rate method.
suku bunga efektif.
Bank dan entitas anak tidak The Bank and subsidiaries do not classify
mengklasifikasikan surat-surat berharga held-to-maturity marketable securities as
yang dimiliki hingga jatuh tempo sebagai held-to-maturity financial assets if the
aset keuangan dimiliki hingga jatuh Bank or subsidiaries have, during the
tempo, jika dalam tahun berjalan atau current financial year or during the two
dalam kurun waktu dua tahun preceding years, sold or reclassified more
sebelumnya Bank telah menjual atau than an insignificant amount of held-to-
mereklasifikasi surat-surat berharga yang maturity marketable securities prior to
dimiliki hingga jatuh tempo dalam jumlah maturity other than sales or
yang lebih dari jumlah yang tidak reclassifications defined in SFAS No. 55
signifikan (more than insignificant) (Revised 2011) applicable in the relevant
sebelum jatuh tempo selain dari pada periods.
penjualan atau reklasifikasi yang telah
dijelaskan dalam PSAK No. 55 (Revisi
2011) yang dapat diaplikasikan dalam
periode yang relevan.
2. Surat-surat berharga yang 2. Marketable securities which are classified

diklasifikasikan sebagai investasi tersedia under available-for-sale investments are
untuk dijual dinyatakan pada nilai wajar. stated at fair value. Interest income is
Pendapatan bunga diakui dalam laporan recognized in the statement of
laba rugi komprehensif menggunakan comprehensive income using the
metode suku bunga efektif. Laba atau effective interest method. Foreign
rugi selisih kurs atas surat-surat berharga exchange gains or losses on available-
diakui pada laporan laba rugi for-sale securities are recognized in the
komprehensif. Perubahan nilai wajar statement of comprehensive income.
lainnya diakui langsung dalam ekuitas Other fair value changes are recognized
sampai surat-surat berharga dijual atau directly in equity until the securities is sold
mengalami penurunan nilai, dimana or impaired, whereby the cumulative
akumulasi keuntungan dan kerugian yang gains and losses previously recognized in
sebelumnya diakui dalam ekuitas diakui the equity are recognized in the
dalam laporan laba rugi komprehensif statement of comprehensive income.
3. Surat-surat berharga dalam kategori nilai 3. Fair value through profit or loss
wajar melalui laba rugi dinyatakan pada marketable securities are carried at fair
nilai wajar. value.
Keuntungan atau kerugian yang belum Unrealized gains or losses resulting from
direalisasi akibat kenaikan atau changes in fair values are recognized in
penurunan nilai wajarnya disajikan dalam the current year consolidated statement
laporan laba rugi komprehensif of comprehensive income. The interest
konsolidasian tahun berjalan. income from marketable securities is
Pendapatan bunga dari surat-surat recorded in the consolidated statement of
berharga dicatat dalam laporan laba rugi comprehensive income according to the
komprehensif konsolidasian sesuai terms of the contract.
dengan persyaratan dalam kontrak.

39

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658 '$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6
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J 6XUDWEHUKDUJDODQMXWDQ J 0DUNHWDEOHVHFXULWLHVFRQWLQXHG
Pengukuran surat-surat berharga dinyatakan Measurement of securities is stated based on

berdasarkan klasifikasinya sebagai berikut: the classification of the securities as follows:
(lanjutan) (continued)

3. Surat-surat berharga dalam kategori nilai 3. Fair value through profit or loss
wajar melalui laba rugi dinyatakan pada marketable securities are carried at fair
nilai wajar (lanjutan). value (continued).

Atas penjualan portofolio surat-surat Upon sale of portfolio of fair value through
berharga untuk nilai wajar melalui laporan profit or loss marketable securities, the
laba rugi, perbedaan antara harga jual difference between the selling price and
dengan nilai pasar wajar diakui sebagai the fair value is recognized as a gain or
keuntungan atau kerugian penjualan loss in the year when the marketable
pada tahun dimana surat-surat berharga securities are sold.
tersebut dijual.
Surat-surat berharga yang diperdagangkan Marketable securities that are actively traded
secara aktif di pasar keuangan yang in organized financial markets, fair value is
terorganisasi, nilai wajar tersebut umumnya generally determined by reference to quoted
ditentukan dengan mengacu pada harga market bid prices by the stock exchanges at
penawaran pasar yang terjadi di bursa efek the date close to the consolidated statement
pada tanggal yang terdekat dengan tanggal of financial position date, adjusted for
laporan posisi keuangan konsolidasian, transaction costs necessary to realize the
kemudian disesuaikan dengan biaya-biaya assets..
yang akan dikeluarkan untuk memperoleh aset
tersebut.
Untuk surat-surat berharga yang tidak For marketable securities where there is no
mempunyai harga penawaran pasar, estimasi quoted market price, a reasonable estimate of
atas nilai wajar surat-surat berharga ditetapkan the fair value is determined by reference to the
dengan mengacu pada nilai wajar instrumen current market value of another instrument
lain yang substansinya sama atau dihitung which is substantially the same or is
berdasarkan arus kas yang diharapkan calculated based on the expected cash flows
terhadap aset bersih surat-surat berharga of the underlying net asset base of securities.
tersebut. Bank dan entitas anak menggunakan The Bank and subsidiaries used quoted
harga penawaran pasar yang terjadi di bursa market bid prices by the stock exchange at the
efek pada tanggal yang terdekat dengan date close to the consolidated statement of
tanggal laporan posisi keuangan konsolidasian financial position as their fair value.
sebagai nilai wajar.
K (IHNHIHN \DQJ GLEHOL GHQJDQ MDQML GLMXDO K 0DUNHWDEOH VHFXULWLHV SXUFKDVHG XQGHU
NHPEDOL5HYHUVH5HSR DJUHHPHQWVWRUHVHOO5HYHUVH5HSR
Efek-efek yang dibeli dengan janji untuk dijual Securities purchased under agreement to
kembali disajikan sebagai aset keuangan resell are presented as assets in the
dalam laporan posisi keuangan konsolidasian consolidated statement of financial position, at
sebesar jumlah penjualan kembali dikurangi the resale price net of unamortized interest
dengan bunga yang belum diamortisasi dan and net of allowance for impairment losses.
cadangan kerugian penurunan nilai. Selisih The difference between the purchase price
antara harga beli dan harga jual kembali and the resale price is treated as unearned
diperlakukan sebagai pendapatan bunga yang interest income (unamortized) and recognized
ditangguhkan (belum diamortisasi) dan diakui as income over the period starting from when
sebagai pendapatan selama periode sejak those securities are purchased until they are
efek-efek tersebut dibeli hingga dijual kembali resold using effective interest rate method.
dengan menggunakan suku bunga efektif.
40

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FRQWLQXHG
Efek-efek yang dibeli dengan janji untuk dijual Marketable securities purchased under
kembali (Reverse Repo) diklasifikasikan agreements to resell (Reverse Repo) are
sebagai kredit yang diberikan dan piutang. classified as loans and receivables.
L :HVHOHNVSRUGDQWDJLKDQODLQQ\D L %LOOVDQGRWKHUUHFHLYDEOHV
Wesel ekspor dan tagihan lainnya terdiri atas Bills and other receivables consist of
tagihan dari letters of credit dan Surat Kredit receivables from letters of credit and Domestic
Berdokumen Dalam Negeri (SKBDN) kepada Documentary Letters of Credit to exporters.
eksportir.
Wesel ekspor dan tagihan lainnya dicatat pada Bills and other receivables are stated at
biaya perolehan diamortisasi setelah dikurangi amortized cost less allowance for impairment
cadangan kerugian penurunan nilai. losses.
Wesel ekspor dan tagihan lainnya Bills and other receivables are classified as
diklasifikasikan sebagai kredit yang diberikan loans and receivables.
dan piutang.
M ,QVWUXPHQNHXDQJDQGHULYDWLI M'HULYDWLYHILQDQFLDOLQVWUXPHQWV
Instrumen keuangan derivatif dinilai dan diakui Derivatives financial instruments are valued
di laporan posisi keuangan konsolidasian pada and recognized in the consolidated statement
nilai wajar dikurangi cadangan kerugian of financial position at fair value. Each
penurunan nilai. Setiap kontrak derivatif dicatat derivatives contract is carried as asset when
sebagai aset apabila memiliki nilai wajar positif the fair value is positive and as liability when
dan sebagai liabilitas apabila memiliki nilai the fair value is negative.
wajar negatif.
Tagihan dan liabilitas derivatif diklasifikasikan Derivatives receivable and payable are
sebagai aset dan liabilitas keuangan yang classified as financial assets and liabilities
diukur pada nilai wajar melalui laporan laba measured at fair value through profit or loss.
rugi.
Keuntungan atau kerugian yang terjadi dari Gains or losses resulting from fair value
perubahan nilai wajar diakui dalam laporan changes are recognized in the consolidated
laba rugi komprehensif konsolidasian. statement of comprehensive income.
Nilai wajar instrumen derivatif ditentukan The fair value of derivatives instruments is
diskonto arus kas dan model penentu harga determined based on discounted cash flows
atau harga yang diberikan oleh broker (quoted and pricing models or quoted prices from
price) atas instrumen lainnya yang memiliki brokers of other instruments with similar
karakteristik serupa. characteristics.
N .UHGLW\DQJGLEHULNDQ N /RDQV
Kredit yang diberikan merupakan penyediaan Loans represent the lending of money or
uang atau tagihan yang dapat disamakan equivalent receivables under contracts with
dengan itu, berdasarkan kesepakatan dengan borrowers, where the borrowers are required
pihak penerima kredit dan mewajibkan pihak to repay their debts with interest after a
penerima kredit untuk melunasi setelah jangka specified period of time.
waktu tertentu dengan imbalan bunga.
41

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660 '$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6
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Kredit yang diberikan pada awalnya diukur Loans are initially measured at fair value plus
pada nilai wajar ditambah dengan biaya transaction cost that are directly attributable
transaksi yang dapat diatribusikan secara and additional cost to obtain the financial
langsung dan biaya tambahan untuk assets. Subsequently measured at their
memperoleh aset keuangan tersebut. Setelah amortized cost using the effective interest rate
pengakuan awal diukur pada biaya perolehan method, net of allowance for impairment
diamortisasi menggunakan metode suku losses.
bunga efektif dikurangi dengan cadangan
kerugian penurunan nilai.
Kredit yang diberikan diklasifikasikan sebagai Loans are classified as loans and receivables.
kredit yang diberikan dan piutang.
Kredit yang diberikan dalam pinjaman sindikasi Loans under syndication or channelling are
ataupun penerusan kredit dinyatakan sebesar stated at the principal amount equal to the risk
pokok kredit sesuai dengan porsi risiko yang portion assumed by the Bank.
ditanggung oleh Bank.
Restrukturisasi kredit meliputi adanya Loan restructuring may involve extending the
perpanjangan jangka waktu pembayaran dan payment arrangements and the agreement of
ketentuan kredit yang baru. Saat persyaratan new loans conditions. When the loan terms
kredit telah dinegosiasi ulang atau dimodifikasi have been renegotiated or modified
(kredit restrukturisasi), penurunan nilai yang (restructured loans), any impairment is
ada diukur dengan menggunakan suku bunga measured using the original effective interest
efektif awal yang digunakan sebelum rate as calculated before the modification of
persyaratan diubah dan tidak lagi terms and the loan is no longer considered
diperhitungkan sebagai kredit menunggak. past due.
Kredit yang direstrukturisasi disajikan sebesar Restructured loans are stated at the lower of
nilai yang lebih rendah antara nilai tercatat carrying value on the date of restructuring or
kredit pada tanggal restrukturisasi atau nilai value of the future cash receipts after the
tunai penerimaan kas masa depan setelah restructuring. Losses resulting from the
restrukturisasi. Kerugian akibat selisih antara difference between the carrying value on the
nilai tercatat kredit pada tanggal restrukturisasi date of restructuring the present value of
dengan nilai tunai penerimaan kas masa future cash receipts after the restructuring is
depan setelah restrukturisasi diakui dalam recognized in the statement of comprehensive
laporan laba rugi komprehensif. Setelah income. After the restructuring, all future cash
restrukturisasi, semua penerimaan kas masa receipts specified by the new terms are
depan yang ditetapkan dalam persyaratan recorded as a return of principal loans and
baru dicatat sebagai pengembalian pokok interest income in accordance with the terms
kredit yang diberikan dan pendapatan bunga of the restructuring.
sesuai dengan syarat-syarat restrukturisasi.
Kredit yang diberikan dihapusbukukan ketika Loans are written off when there is no realistic
tidak terdapat prospek yang realistis mengenai prospect of collection or when the Bank’s and
pengembalian kredit atau hubungan antara subsidiaries’ relationship with the borrowers
Bank dan entitas anak dengan debitur telah has ceased. When loans are deemed
berakhir. Kredit yang tidak dapat dilunasi uncollectible, they are written off against the
dihapusbukukan dengan mendebit cadangan related allowance for impairment losses.
42

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O 3HPELD\DDQSLXWDQJV\DULDK O 6KDULDILQDQFLQJUHFHLYDEOHV
Pembiayaan/piutang berdasarkan prinsip Sharia financing/receivables is receivables

syariah adalah penyediaan uang atau tagihan from providing funds or other similar form of
yang dapat disamakan dengan itu, yang timbul receivables arising from transactions carried
dari transaksi berdasarkan prinsip jual beli dan out based on sale or purchase arrangements
bagi hasil antara bank dengan pihak lain and profit sharing between the Bank and other
selama jangka waktu tertentu. parties for a certain period of time.
Piutang tersebut meliputi piutang murabahah, Such receivables consist of receivables

piutang istishna dan qardh, untuk pembiayaan arising from murabahah transactions, istishna
meliputi pembiayaan mudharabah dan transactions dan qardh transactions, for
pembiayaan musyarakah. financing consist of mudharabah financing and
musyarakah financing.
Murabahah adalah akad jual beli antara Murabahah is a sale or purchase contract
nasabah dengan Bank, dimana Bank between the customer and Bank, whereby
membiayai kebutuhan investasi dan modal Bank finances the investment and working
kerja nasabah yang dijual dengan harga pokok capital needs of the customer sold with a
ditambah dengan keuntungan yang diketahui principal price plus a certain margin that is
dan disepakati bersama. Pembayaran atas mutually informed and agreed. Repayment on
pembiayaan ini dilakukan dengan cara this financing is made in installments within a
mengangsur dalam jangka waktu yang specified period.
ditentukan.
Sebelum 1 Januari 2014, piutang murabahah Before January 1, 2014, murabahah

disajikan sebesar nilai neto yang dapat receivables are stated at net realizable value,
direalisasikan yakni saldo piutang dikurangi which is, the balance of the receivables less
cadangan kerugian penurunan nilai. Marjin allowance for impairment losses. Deferred
murabahah yang ditangguhkan disajikan murabahah margin is presented as a contra
sebagai pos lawan piutang murabahah. account of murabahah receivables.
Setelah tanggal 1 Januari 2014, piutang After January 1, 2014, murabahah receivables
murabahah pada awalnya diukur pada nilai initially measured at fair value plus direct
wajar ditambah dengan biaya transaksi yang attributable transaction cost and is an
dapat diatribusikan secara langsung dan additional cost to obtain the respected financial
merupakan biaya tambahan untuk assets, and after the initial recognition
memperoleh aset keuangan tersebut dan murabahah receivables are measured at
setelah pengakuan awal diukur pada biaya amortized cost using the effective margin
perolehan diamortisasi menggunakan metode method less any allowance for impairment
margin efektif dikurangi dengan cadangan losses.
Mudharabah merupakan pembiayaan Mudharabah represents joint financing
kerjasama antara Bank sebagai pemilik dana between the Bank as the owner of the fund
(shahibul maal) dengan nasabah sebagai (shahibul maal) and the customer as the
pelaksana usaha (mudharib) selama jangka business executor (mudharib), during a certain
waktu tertentu. Pembagian hasil keuntungan period. Distribution of profit sharing on a
dari proyek atau usaha tersebut ditentukan project or other business activity is determined
sesuai dengan nisbah (pre-determined ratio) in accordance with the mutually agreed nisbah
yang telah disepakati bersama. Pada tanggal (pre-determined ratio). At statement of financial
laporan posisi keuangan, pembiayaan position date, mudharabah financing is stated
mudharabah dinyatakan sebesar saldo at the outstanding financing balance less
pembiayaan dikurangi dengan saldo cadangan allowance for impairment losses which is
kerugian penurunan nilai yang dibentuk provided based on the management’s review
berdasarkan hasil review oleh manajemen on the financing quality.
terhadap kualitas pembiayaan yang ada.
43

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Musyarakah adalah akad kerjasama yang Musyarakah is a partnership contract among

terjadi diantara para pemilik modal (mitra fund owners (musyarakah partners) to
musyarakah) untuk menggabungkan modal contribute funds and conduct business on a
dan melakukan usaha secara bersama dalam joint basis through partnership with profit
suatu kemitraan dengan nisbah pembagian sharing based on a predetermined ratio, while
hasil sesuai dengan kesepakatan, sedangkan loss is shouldered proportionally based on the
kerugian ditanggung secara proporsional capital contribution. At consolidated statement
sesuai dengan kontribusi modal. Pada tanggal of financial position date, musyarakah
laporan posisi keuangan konsolidasian, financing is stated at the outstanding balance
pembiayaan musyarakah dinyatakan sebesar of the financing less allowance for impairment
saldo pembiayaan dikurangi dengan saldo losses based on the management’s review on
cadangan kerugian penurunan nilai yang the financing quality.
dibentuk berdasarkan hasil review oleh
manajemen terhadap kualitas pembiayaan
yang ada.
Istishna adalah akad penjualan antara al- Istishna is a purchase agreement between an
mustashni (pembeli) dan al-shani (produsen al-mustashni (buyer) and an al-shani
yang juga bertindak sebagai penjual). (manufacturer also acting as the seller). Based
Berdasarkan akad tersebut, pembeli menugasi on the contract, the buyer orders the
produsen untuk membuat atau mengadakan manufacturer to make or to supply al-mashnu
al-mashnu (barang pesanan) sesuai (goods ordered) according to the specifications
spesifikasi yang diisyaratkan pembeli dan required by the buyer and to sell them at an
menjualnya dengan harga yang disepakati. agreed price. Istishna receivables are
Piutang istishna disajikan sebesar tagihan presented based on the outstanding billings to
termin kepada pembeli akhir dikurangi the final buyer less allowance for impairment
cadangan kerugian penurunan nilai. losses.
Piutang qardh diakui sebesar jumlah dana A qardh receivable is recognized in the
dipinjamkan pada saat terjadinya. Kelebihan amount of financing granted at the transaction
penerimaan dari pinjaman qardh diakui date. Any excess amount paid by the borrower
sebagai pendapatan pada saat terjadinya. in repaying a qardh receivable is recognized
as revenue upon receipt.
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Pada setiap tanggal laporan posisi keuangan At each consolidated statement of financial
konsolidasian, Bank dan entitas anak position date the Bank and subsidiaries
mengevaluasi apakah terdapat bukti obyektif assess whether there is objective evidence
bahwa aset keuangan yang tidak dicatat pada that financial assets not carried at fair value
nilai wajar melalui laporan laba rugi telah through profit and loss are impaired. Financial
mengalami penurunan nilai. Aset keuangan assets are impaired when objective evidence
mengalami penurunan nilai jika bukti obyektif demonstrates that loss event has occurred
menunjukkan bahwa peristiwa yang merugikan after the initial recognition of the asset, and
telah terjadi setelah pengakuan awal aset that the loss event has an impact on the future
keuangan, dan peristiwa tersebut berdampak cash flow on the asset that can be estimated
pada arus kas masa datang atas aset reliably.
keuangan yang dapat diestimasi secara
handal.
44

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Kriteria yang digunakan oleh Bank dan entitas The criteria used by the Bank and subsidiaries
anak untuk menentukan bukti obyektif dari to determine objective evidence from the
penurunan nilai adalah sebagai berikut: impairment are as follows:
a. kesulitan keuangan signifikan yang a. significant financial difficulties by the

dialami penerbit atau pihak peminjam; issuer or debtor;
b. pelanggaran kontrak, seperti terjadinya b. breach of contract, like defaults or

wanprestasi atau tunggakan pembayaran deferred principal or interest payments;
pokok atau bunga;
c. pihak pemberi pinjaman, dengan alasan c. the creditor, with economic or legal
ekonomi atau hukum sehubungan dengan reason relating to the financial difficulties
kesulitan keuangan yang dialami pihak of the debtor, provided relief (concession)
peminjam, memberikan keringanan to the debtor that the creditor would not
(konsesi) pada pihak peminjam yang tidak otherwise consider;
mungkin diberikan jika pihak peminjam
tidak mengalami kesulitan tersebut;
d. terdapat kemungkinan bahwa pihak d. there is a possibility that the debtor will
peminjam akan dinyatakan pailit atau enter into bankruptcy or other financial
melakukan reorganisasi keuangan reorganization;
lainnya;
e. hilangnya pasar aktif dari aset keuangan e. the loss of an active market on financial
akibat kesulitan keuangan; atau assets as the result of financial difficulties;
or
f. data yang dapat diobservasi f. observable data has indicated that there
mengindikasikan adanya penurunan yang is measured decrease in the estimated
dapat diukur atas estimasi arus kas masa future cash flow estimation of financial
datang dari kelompok aset keuangan assets since initial measurement of the
sejak pengakuan awal aset dimaksud, assets, although the impairment cannot
meskipun penurunannya belum dapat be identified to individual financial assets
diidentifikasi terhadap aset keuangan in the portfolio, including:
secara individual dalam kelompok aset
tersebut, termasuk:
- memburuknya status pembayaran - deterioration of the payment status of

pihak peminjam dalam kelompok the debtor in the portfolio; and
tersebut; dan
- kondisi ekonomi nasional atau lokal - national or local economic condition is

yang berkorelasi dengan wanprestasi related to the default on assets in the
atas aset dalam kelompok tersebut. portfolio.
45

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Estimasi periode antara terjadinya peristiwa The estimated of period between the
dan teridentifikasinya kerugian ditentukan oleh occurrence of events and identification of loss
manajemen untuk setiap portofolio yang are determined by management for every
diidentifikasi. Pada umumnya, periode tersebut identified portfolio. Generally, that period
bervariasi antara 3 (tiga) dan 12 (dua belas) varies between 3 (three) and 12 (twelve)
bulan, dan untuk kasus tertentu diperlukan months, and for specific cases, it may need
periode yang lebih lama. longer period.
Bank dan entitas anak pertama kali The Bank and subsidiaries first assess
menentukan apakah terdapat bukti obyektif whether objective evidence of impairment
penurunan nilai secara individual atas aset exists individually for financial assets that are
keuangan yang signifikan secara individual individually significant, or collectively for
atau kolektif untuk aset keuangan yang tidak financial assets that are not individually
signifikan secara individual. Jika Bank dan significant. If the Bank and subsidiaries
entitas anak menentukan tidak terdapat bukti determine that no objective evidence of
obyektif mengenai penurunan nilai atas aset impairment exists for an individually assessed
keuangan yang dinilai secara individual, financial asset, whether significant or not, they
terlepas aset keuangan tersebut signifikan include the asset in a group of financial assets
atau tidak, maka Bank dan entitas anak with similar credit risk characteristics and
memasukkan aset tersebut ke dalam kelompok collectively assesses them for impairment.
aset keuangan yang memiliki karakteristik
risiko kredit yang serupa dan menilai
penurunan nilai kelompok tersebut secara
kolektif.
Bank dan entitas anak menetapkan kredit yang The Bank and subsidiaries determine that
harus dievaluasi penurunan nilainya secara loans should be evaluated for impairment
individual, jika memenuhi salah satu kriteria di individually if one of the following criteria is
bawah ini: met:
1. Kredit yang secara individual memiliki 1. Loans which individually have significant
nilai signifikan dan memiliki bukti objektif value and objective evidence of
penurunan nilai; impairment;
2. Kredit yang direstrukturisasi yang secara 2. Restructured loans which individually

individual memiliki nilai signifikan. have significant value.
Berdasarkan kriteria di atas, Bank dan entitas Based on the above criteria, the Bank and
anak melakukan penilaian secara individual subsidiaries perform individual assessment
untuk: (a) Kredit dengan kolektibilitas kurang for: (a) Loans with collectibility classification as
lancar, diragukan dan macet; atau (b) Kredit substandard, doubtful, and loss; or (b)
yang direstrukturisasi. Restructured loans.
Bank dan entitas anak menetapkan kredit yang The Bank and subsidiaries determine loans to
harus dievaluasi penurunan nilainya secara be evaluated for impairment through collective
kolektif, jika memenuhi salah satu kriteria evaluation if one of the following criteria is
dibawah ini: met:
1. Kredit yang secara individual memiliki nilai 1. Loans which individually have significant
signifikan namun tidak memiliki bukti value but there is no objective evidence
objektif penurunan nilai; of impairment;
46

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Bank dan entitas anak menetapkan kredit yang The Bank and subsidiaries determine loans to
harus dievaluasi penurunan nilainya secara be evaluated for impairment through collective
kolektif, jika memenuhi salah satu kriteria evaluation if one of the following criteria is met
dibawah ini (lanjutan): (continued):
2. Kredit yang secara individual memiliki nilai 2. Loans which individually have
tidak signifikan; insignificant value;
3. Kredit yang direstrukturisasi yang secara 3. Restructured loans which individually

individual memiliki nilai tidak signifikan. have insignificant value.
4. Kredit yang memiliki indikasi penurunan 4. Loans with indicators of impairment but
nilai namun tidak dibentuk penyisihan no allowance was provided after
karena setelah dilakukan penilaian, nilai asessment because the carrying amount
tercatat kredit lebih rendah dari nilai kini of the loan is lower than the present value
arus kas di masa yang akan datang. of future cash flow.
Berdasarkan kriteria di atas, penilaian secara Based on the above criteria, collective
kolektif dilakukan untuk: (a) Kredit dalam assessment is performed for: (a) Corporate
segmen pasar korporasi dan usaha menengah and middle loans with collectibility
dengan kolektibilitas lancar dan dalam classification as current and special mention,
perhatian khusus serta tidak pernah and have never been restructured; or (b)
direstrukturisasi; atau (b) Kredit dengan Retail and consumer loans.
segmen pasar usaha kecil dan konsumen.
Bank menggunakan metode roll rate analisis The Bank uses the roll rate analysis method,
yang merupakan suatu metode analisis which is a statistical model analysis method to
statistik, untuk menilai cadangan kerugian collectively assess allowance for impairment
penurunan nilai atas kredit yang diberikan losses on loans. Under this method, the Bank
secara kolektif. Dengan metode ini, Bank uses 3 (three) years of historical data to
menggunakan data historis 3 (tiga) tahun compute for the Probability of Default (PD) and
dalam menghitung Probability of Default (PD) Loss Given Default (LGD).
dan Loss Given Default (LGD).
Bank menggunakan nilai wajar agunan Bank uses the fair value of collateral as the
sebagai dasar arus kas masa datang apabila basis for the future cash flow if one of the
memenuhi salah satu kondisi berikut: following conditions is met:
1. Kredit bersifat collateral dependent, yaitu 1. Loans are collateral dependent, i.e, if the
jika pelunasan kredit hanya bersumber source of loans repayment is only from
dari agunan; collateral;
2. Pengambilalihan agunan kemungkinan 2. Foreclosure of collateral is most likely to

besar terjadi dan didukung dengan occur and supported by legally binding
perjanjian legal pengikatan agunan. collateral agreement.
47

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Kerugian penurunan nilai atas aset keuangan Impairment losses on financial assets carried
yang dicatat pada biaya perolehan at amortized cost are measured as the
diamortisasi diukur sebesar selisih antara nilai difference between the carrying amount of the
tercatat aset keuangan dengan nilai kini financial assets and present value of
estimasi arus kas masa datang yang estimated future cash flows discounted at the
didiskonto menggunakan suku bunga efektif financial assets original effective interest rate.
awal dari aset keuangan tersebut. Jika kredit If loans or held-to-maturity marketable
yang diberikan atau surat-surat berharga securities have variable interest rate, the
dimiliki hingga jatuh tempo memiliki suku discount rate used to measure loss on
bunga variabel, maka tingkat diskonto yang impairment is the current effective interest
digunakan untuk mengukur setiap kerugian rate.
penurunan nilai adalah suku bunga efektif
terkini.
Sebagai panduan praktis, Bank dapat As a practical guidance, the Bank can
mengukur penurunan nilai berdasarkan nilai measure the impairment based on the
wajar instrumen dengan menggunakan harga instrument’s fair value by using observable
pasar yang dapat diobservasi, dimana market price, where the calculation of present
perhitungan nilai kini dari estimasi arus kas value of estimated future cash flows on
masa datang atas aset keuangan dengan collateralized financial assets reflects the
agunan (collateralized financial asset) generated cash flow from the foreclosure of
mencerminkan arus kas yang dapat dihasilkan collateral net of costs to acquire and sell the
dari pengambilalihan agunan dikurangi biaya- collateral, regardless whether such acquisition
biaya untuk memperoleh dan menjual agunan, occurs or not.
terlepas apakah pengambilalihan tersebut
berpeluang terjadi atau tidak.
Kerugian penurunan nilai yang terjadi diakui Impairment losses are recognized in the
pada laporan laba rugi komprehensif consolidated statement of comprehensive
konsolidasi dan dicatat pada akun “Cadangan income and reflected in an “Allowance for
kerugian penurunan nilai” sebagai pengurang impairment losses” account as a deduction
terhadap aset keuangan yang dicatat pada from financial assets carried at amortized cost.
Pendapatan bunga atas aset keuangan yang Interest income on the impaired financial
mengalami penurunan nilai tetap diakui atas assets continues to be recognized using the
dasar suku bunga yang digunakan untuk rate of interest used to discount the future
mendiskonto arus kas masa datang dalam cash flow for the purpose of measuring the
pengukuran kerugian penurunan nilai. impairment loss.
Ketika peristiwa yang terjadi setelah tanggal When subsequent event causes the amount of
laporan posisi keuangan konsolidasian impairment loss to decrease, the impairment
menyebabkan jumlah kerugian penurunan nilai loss is reversed through profit or loss in the
berkurang, kerugian penurunan nilai yang consolidated statements of comprehensive
sebelumnya diakui harus dipulihkan dan income.
pemulihan tersebut diakui dalam laba rugi
pada laporan laba rugi komprehensif
konsolidasian.
48

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Kerugian penurunan nilai atas surat-surat Impairment losses on available-for-sale
berharga yang tersedia untuk dijual diakui marketable securities are recognized by
dengan mengeluarkan kerugian kumulatif yang transferring the cumulative loss that has been
telah diakui secara langsung dalam ekuitas ke recognized directly in equity to the
dalam laporan laba rugi komprehensif consolidated statement of comprehensive
konsolidasian. Jumlah kerugian kumulatif yang income. The cumulative loss that has been
dikeluarkan dari ekuitas dan diakui pada removed from equity and recognized in the
laporan laba rugi komprehensif konsolidasian consolidated statement of comprehensive
merupakan selisih antara biaya perolehan, income is the difference between the
setelah dikurangi dengan nilai pelunasan acquisition cost, net of any principal
pokok dan amortisasi, dengan nilai wajar kini, repayment and amortization, and the current
dikurangi kerugian penurunan nilai aset fair value, less any impairment loss previously
keuangan yang sebelumnya telah diakui pada recognized in the consolidated statement of
laporan laba rugi komprehensif konsolidasian. comprehensive income. Changes in
Perubahan cadangan penurunan nilai yang impairment provision attributable to time value
diatribusikan ke dalam nilai waktu tercermin are reflected as a component of interest
sebagai bagian dari pendapatan bunga. income.
Jika pada periode berikutnya, nilai wajar surat- If in a subsequent period, the fair value of an
surat berharga yang diklasifikasikan dalam impaired available-for-sale debt marketable
kelompok tersedia untuk dijual yang securities increases and the increase can be
mengalami penurunan nilai meningkat dan objectively related to an event occurring after
peningkatan tersebut dapat secara obyektif the impairment loss was recognized in the
dihubungkan dengan peristiwa yang terjadi consolidated statement of comprehensive
setelah pengakuan kerugian penurunan nilai income, the impairment loss is reversed, with
pada laporan laba rugi komprehensif the amount of reversal recognized in the year
konsolidasian, maka kerugian penurunan nilai it occured.
tersebut harus dipulihkan dan pemulihan
tersebut diakui pada tahun terjadinya.
Kerugian penurunan nilai yang diakui dalam Impairment losses recognized in profit or loss
laba rugi atas investasi instrumen ekuitas yang for an investment in an equity instrument
diklasifikasikan sebagai tersedia untuk dijual classified as available-for-sale shall not be
tidak dibalik melalui laba rugi. reversed through profit or loss.
Jika persyaratan kredit yang diberikan, piutang If the term on loans receivable or held-to-
atau surat-surat berharga yang dimiliki hingga maturity marketable securities are
jatuh tempo dinegosiasi ulang atau renegotiated or modified since the debtor or
dimodifikasi karena debitur atau penerbit issuer has financial difficulties, the impairment
mengalami kesulitan keuangan, maka is measured with the original effective interest
penurunan nilai diukur dengan suku bunga rate used before the modification of terms.
efektif awal yang digunakan sebelum
persyaratan diubah.
Jika pada suatu periode berikutnya, jumlah If in the next period, the amount of allowance
kerugian penurunan nilai berkurang dan for impairment losses is decreased and the
pengurangan tersebut dapat dikaitkan secara decreased can be objectively related to an
obyektif pada peristiwa yang terjadi setelah event that occurred after the recognition of the
penurunan nilai diakui (seperti meningkatnya impairment losses (i.e. upgrade of debtor’s or
peringkat kredit debitur atau penerbit), maka issuer’s collectibility credit rating), the
kerugian penurunan nilai yang sebelumnya impairment losses that was previously
diakui harus dipulihkan, dengan menyesuaikan recognized has to be reversed, by adjusting
akun cadangan. Jumlah pemulihan aset the allowance account. The reversal amount
keuangan diakui pada laporan laba rugi of financial assets is recognized in the current
komprehensif konsolidasian pada tahun year consolidated statement of
berjalan. comprehensive income.
49

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Penerimaan kembali atas aset keuangan yang The recoveries of written-off financial assets in
telah dihapusbukukan, pada tahun berjalan the current year are credited by adjusting the
dikreditkan dengan menyesuaikan akun allowance for impairment losses accounts.
cadangan kerugian penurunan nilai. Recoveries of written-off loans from previous
Penerimaan kembali atas kredit yang diberikan years are recorded as other operating income.
yang telah dihapusbukukan pada tahun-tahun Recovery of Sharia Financing/Receivables
sebelumnya dicatat sebagai pendapatan previously written off is recorded as an
operasional lainnya. Penerimaan pembayaran addition to the allowance for impairment
pembiayaan/piutang syariah yang telah losses in the current year.
dihapusbukukan dicatat sebagai penambahan
cadangan kerugian selama tahun berjalan.
Sehubungan dengan kepatuhan terhadap In compliance with Bank Indonesia (OJK),

Bank Indonesia (OJK), Bank menerapkan Bank implements Bank Indonesia Regulation
Peraturan Bank Indonesia No. 14/15/PBI/2012 No. 14/15/PBI/2012 dated October 24, 2012
tanggal 24 Oktober 2012 tentang “Penilaian about “Assessment of Commercial Banks’
Kualitas Aset Bank Umum” sebagai panduan Asset Quality” as a guideline to calculate
untuk menghitung minimum cadangan required minimum allowance for impairment
kerugian penurunan nilai yang wajib dibentuk losses based on Bank Indonesia Regulation.
sesuai dengan ketentuan Bank Indonesia. Whereas Bank’s Subsidiary which is engaged
Sedangkan Entitas Anak yang bergerak dalam in Sharia Banking (BJBS) applies Bank
bidang perbankan syariah (BJBS) menerapkan Indonesia Regulation No.13/13/PBI/2011
PBI No.13/13/PBI/2011 tanggal 24 Maret 2011 dated March 24, 2011 on “Asset Quality
tentang” Penilaian Kualitas Aktiva bagi Bank Assessment for Sharia Commercial Banks
Umum Syariah dan Unit Usaha Syariah”. and Business Units”.
Cadangan kerugian minimum yang harus The minimum allowance to be provided in
dibentuk sesuai dengan Peraturan Bank accordance with Bank Indonesia Regulation is
Indonesia adalah sebagai berikut: as follows:
a. 1% dari aktiva produktif yang digolongkan a. 1% of earning assets classified as Current,

Lancar, di luar penempatan pada Bank excluding placements with Bank Indonesia,
Indonesia, Obligasi Pemerintah, instrumen Government Bonds, other debt instruments
hutang lain yang diterbitkan oleh issued by the Government of the Republic
Pemerintah Republik Indonesia dan aktiva of Indonesia and earning assets secured by
produktif yang dijamin dengan agunan cash collateral;
tunai;
b. 5% dari aktiva produktif yang digolongkan b. 5% of earning assets classified as Special
Dalam Perhatian Khusus setelah dikurangi Mention, net of deductible collateral;
agunan;
c. 15% dari aktiva produktif yang c. 15% of earning assets classified as Sub-
digolongkan Kurang Lancar setelah standard, net of deductible collateral;
dikurangi agunan;
d. 50% dari aktiva produktif yang d. 50% of earning assets classified as
digolongkan Diragukan setelah dikurangi Doubtful, net of deductible collateral; and
agunan; dan
e. 100% dari aktiva produktif yang e. 100% of earning assets classified as Loss,
digolongkan Macet setelah dikurangi net of deductible collateral.
agunan.
50

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Kriteria penilaian nilai agunan yang dapat The criterias for assessment of the value of
dikurangkan dalam pembentukan cadangan collateral that can be deducted in the
kerugian penurunan nilai sesuai dengan calculation of allowance for impairment losses
Peraturan Bank Indonesia. are based on Bank Indonesia Regulations.
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Tagihan dan liabilitas akseptasi dinyatakan Acceptances receivable and payable are
sebesar biaya perolehan diamortisasi. Tagihan stated at amortized cost. Acceptances
akseptasi disajikan setelah dikurangi receivable are stated net of allowance for
cadangan kerugian penurunan nilai. impairment losses.
Tagihan akseptasi diklasifikasikan sebagai Acceptances receivable are classified as loans

pinjaman yang diberikan dan piutang. Liabilitas and receivables. Acceptances payable are
akseptasi diklasifikasikan sebagai liabilitas classified as other financial liabilities.
keuangan lainnya.
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Penyertaan saham merupakan penanaman Investment in shares represent investments in

dana dalam bentuk saham pada perusahaan non-publicly listed companies engaged in the
non-publik yang bergerak di bidang jasa financial services industry held for long- term
keuangan yang tidak melalui pasar modal purposes.
untuk tujuan jangka panjang.
Perusahaan asosiasi adalah seluruh entitas di Associates are all entities over which the Bank
mana Bank mempunyai pengaruh signifikan, has significant influence, but does not have
namun tidak memiliki kendali atas entitas- control. Generally, the Bank’s shareholding is
entitas tersebut. Dalam hal ini, Bank umumnya between 20% and 50% of the voting rights.
mempunyai persentase kepemilikan 20% Investment in associates are accounted for
sampai dengan 50% hak suara. Penyertaan under the equity method and are initially
saham pada perusahaan asosiasi dicatat recognized at cost and adjusted for the Bank’s
dengan metode ekuitas dan pada awalnya share in net profit or loss of the associated
dicatat sebesar harga perolehan dan companies less dividends received after the
disesuaikan dengan bagian Bank atas laba acquisition date.
atau rugi neto perusahaan asosiasi sesuai
dengan jumlah persentase kepemilikan dan
dikurangi dengan penerimaan dividen sejak
tanggal akuisisi.
Untuk penyertaan saham dengan persentase Investments in shares with an ownership

kepemilikan di bawah 20% dicatat dengan interest below 20% are recorded based on the
metode biaya. Dengan metode ini, penyertaan cost method. Under this method, investments
saham dicatat sebesar biaya perolehan in shares are carried at cost less allowance for
dikurangi dengan cadangan kerugian impairment losses, and has no significant
penurunan nilai, dan tidak memiliki pengaruh influence. Dividend income is recognized
yang signifikan. Pendapatan dividen diakui when the decision to distribute the dividend is
pada saat keputusan pembagian dividen declared.
diumumkan.
Penyisihan kerugian penurunan nilai atas A provision for impairment losses on

penyertaan saham dibentuk apabila investments in shares is made when in the
berdasarkan pendapat manajemen terdapat opinion of the management, there is a
penurunan nilai secara permanen atas nilai permanent decline in the value of the
penyertaan. investment.
51

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Seluruh aset tetap awalnya diakui sebesar All fixed assets are initially recognized at cost,
biaya perolehan, yang terdiri atas harga which comprises its purchase price and any
perolehan dan biaya-biaya tambahan yang costs directly attributable in bringing the asset
dapat diatribusikan langsung untuk membawa to the location and condition necessary for it to
aset ke lokasi dan kondisi yang diinginkan be capable of operating in the manner
supaya aset tersebut siap digunakan sesuai intended by management.
dengan maksud manajemen.
Setelah pengakuan awal, aset tetap Subsequent to initial recognition, fixed assets
dinyatakan pada biaya perolehan dikurangi are carried at cost less any subsequent
akumulasi penyusutan dan akumulasi rugi accumulated depreciation and impairment
penurunan nilai. losses.
Penyusutan aset dimulai pada saat aset Depreciation of an asset starts when it is
tersebut siap untuk digunakan sesuai maksud available for use and is computed using
penggunaannya dan dihitung dengan a double-declining balance method, except for
menggunakan metode saldo menurun ganda, the depreciation of buildings which are
kecuali untuk penyusutan atas bangunan yang computed using the straight-line method,
dihitung dengan menggunakan metode garis based on the estimated useful lives of
lurus, berdasarkan taksiran masa manfaat the assets, as follows:
ekonomis aset tetap yang bersangkutan,
sebagai berikut:
7DKXQ<HDUV
Bangunan 20 Buildings
Kendaraan 4-8 Vehicles
Perlengkapan 4-8 Office equipment
Penilaian aset tetap dilakukan atas penurunan The carrying amounts of fixed assets are
dan kemungkinan penurunan nilai wajar aset reviewed for impairment when events or
jika terjadi peristiwa atau perubahan keadaan changes in circumstances indicate that
yang mengindikasikan bahwa nilai tercatat the carrying values may not be fully
mungkin tidak dapat seluruhnya terealisasi. recoverable.
Pada setiap akhir tahun buku, manajemen The residual values, useful lives and methods
melakukan pengkajian ulang atas nilai residu, of depreciation of premises and equipment are
masa manfaat dan metode penyusutan dan reviewed by the management and adjusted
disesuaikan secara prospektif, jika diperlukan. prospectively, if appropriate, at the end of each
year, if necessary.
Jumlah tercatat komponen dari suatu aset The carrying amount of an item of fixed assets
tetap dihentikan pengakuannya pada saat is derecognized upon disposal or when no
dilepaskan atau saat sudah tidak ada lagi future economic benefits are expected from its
manfaat ekonomis masa depan yang use or disposal. Any gain or loss arising from
diekspektasikan dari penggunaan maupun the derecognition of the asset is directly
pelepasannya. Keuntungan atau kerugian included in the profit or loss when the item is
yang timbul dari penghentian pengakuan derecognized.
tersebut dimasukkan ke dalam laba rugi untuk
tahun penghentian pengakuan tersebut
dilakukan.
52

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Jika biaya perolehan tanah termasuk biaya If the cost of land includes the costs of site
pembongkaran, pemindahan, dan restorasi dismantlement, removal and restoration, and
lokasi serta manfaat yang diperoleh dari the benefits from the site dismantlement,
pembongkaran, pemindahan dan pemugaran removal and restoration is limited, that portion
tersebut terbatas, maka biaya tersebut of the land asset is depreciated over the period
disusutkan selama periode manfaat yang of benefits obtained by incurring those costs.
diperolehnya. Dalam beberapa kasus, tanah In some cases, the land itself may have
itu sendiri memiliki umur manfaat yang a limited useful life, in which case it is
terbatas, dalam hal ini disusutkan dengan cara depreciated in a manner that reflects
yang mencerminkan manfaat yang diperoleh the benefits to be derived from it.
dari tanah tersebut.
Beban pemeliharaan dan perbaikan Repairs and maintenance is charged to the

dibebankan pada operasi pada saat terjadinya. profit or loss as incurred. The cost of major
Beban pemugaran dan penambahan dalam renovation and restoration is capitalized to the
jumlah besar dikapitalisasi kepada jumlah carrying amount of the related premises and
tercatat aset tetap terkait bila besar equipment when it is probable that future
kemungkinan bagi Kelompok Usaha manfaat economic benefits in excess of the originally
ekonomi masa depan menjadi lebih besar dari assessed standard of performance of the
standar kinerja awal yang ditetapkan existing asset and is depreciated over the
sebelumnya dan disusutkan sepanjang sisa remaining useful life of the related asset.
masa manfaat aset tetap terkait.
Aset dalam penyelesaian Construction in progress
Aset tetap dalam penyelesaian dicatat sebesar Constructions in-progress are stated at cost,
biaya perolehan, yang mencakup kapitalisasi including capitalized borrowing costs and other
beban pinjaman dan biaya-biaya lainnya yang charges incurred in connection with the
terjadi sehubungan dengan pendanaan aset financing of the said asset constructions. The
tetap dalam penyelesaian tersebut. Akumulasi accumulated costs will be reclassified to the
biaya perolehan akan direklasifikasi ke akun appropriate “Premises and Equipment”
“Aset Tetap” yang bersangkutan pada saat account when the construction is completed
aset tetap tersebut telah selesai dikerjakan and available for intended use. Assets under
dan siap untuk digunakan. Aset tetap dalam construction are not depreciated as these are
penyelesaian tidak disusutkan karena belum not yet available for use.
tersedia untuk digunakan.
Biaya pengurusan legal hak atas tanah dalam The legal cost of land rights in the form of
bentuk Hak Guna Usaha (“HGU”), Hak Guna Business Usage Rights (“Hak Guna Usaha” or
Bangunan (“HGB”) dan Hak Pakai (“HP”) “HGU”), Building Usage Right (“Hak Guna
ketika tanah diperoleh pertama kali diakui Bangunan” or “HGB”) and Usage Rights (“Hak
sebagai bagian dari biaya perolehan tanah Pakai” or “HP”) when the land was initially
pada akun “Aset Tetap”. Biaya pengurusan acquired are recognized as part of the cost of
perpanjangan atau pembaruan legal hak atas the land under the “Premises and Equipment”.
tanah diakui sebagai aset tidak berwujud dan The extension or the legal renewal costs of
diamortisasi sepanjang umur hak hukum atau land rights were recognized as intangible
umur ekonomi tanah, mana yang lebih pendek. assets and were amortized over the shorter of
the rights' legal life and land's economic life.
53

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Pada setiap akhir periode pelaporan, Bank The Bank assesses at each annual reporting
menilai apakah terdapat indikasi suatu aset period whether there is an indication that an
mengalami penurunan nilai. Jika terdapat asset may be impaired. If any such indication
indikasi tersebut, maka Bank akan membuat exists, Bank makes an estimate of the asset’s
estimasi atas jumlah terpulihkan aset tersebut. recoverable amount.
Jumlah terpulihkan yang ditentukan untuk aset An asset’s recoverable amount is the higher of
individual adalah jumlah yang lebih tinggi an asset’s or Cash Generating Unit (CGU)’s
antara nilai wajar aset atau Unit Penghasil Kas fair value less costs to sell and its value in use,
(UPK) dikurangi biaya untuk menjual dan nilai and is determined for an individual asset,
pakainya, kecuali aset tersebut tidak unless the asset does not generate cash
menghasilkan arus kas masuk yang sebagian inflows that are largely independent of those
besar independen dari aset atau kelompok from other assets or groups of assets.
aset lain.
Jika nilai tercatat aset lebih besar daripada Where the carrying amount of an asset
nilai terpulihkannya, maka aset tersebut exceeds its recoverable amount, the asset is
dianggap mengalami penurunan nilai dan nilai considered impaired and is written down to its
tercatat aset diturunkan menjadi sebesar nilai recoverable amount. Impairment losses of
terpulihkannya. Rugi penurunan nilai dari continuing operations are recognized in the
operasi yang berkelanjutan diakui pada consolidated statement of comprehensive
laporan laba rugi komprehensif konsolidasian income as “impairment losses”.
sebagai “rugi penurunan nilai”.
Dalam menghitung nilai pakai, estimasi arus In assessing the value in use, the estimated
kas masa depan neto didiskontokan ke nilai net future cash flows are discounted to their
kini dengan menggunakan tingkat diskonto present value using a pre-tax discount rate that
sebelum pajak yang menggambarkan reflects current market assessments of the
penilaian pasar kini atas nilai waktu uang dan time value of money and the risks specific to
risiko spesifik aset. the asset.
Dalam menentukan nilai wajar dikurangi biaya In determining fair value less costs to sell,
untuk menjual, digunakan harga penawaran recent market transactions are taken into
pasar terakhir, jika tersedia. Jika tidak terdapat account, if available. If no such transactions
transaksi tersebut, Bank menggunakan model can be identified, an appropriate valuation
penilaian yang sesuai untuk menentukan nilai model is used by Bank to determine the fair
wajar aset. Perhitungan-perhitungan ini value of the assets. These calculations are
dikuatkan oleh pengali penilaian atau indikator corroborated by valuation multiples or other
nilai wajar yang tersedia. available fair value indicators.
Kerugian penurunan nilai dari operasi yang Impairment losses of continuing operations, if
berkelanjutan, jika ada, diakui pada laporan any, are recognized in the statements of
laba rugi komprehensif sesuai dengan kategori comprehensive income under expense
biaya yang konsisten dengan fungsi aset yang categories that are consistent with the
diturunkan nilainya. functions of the impaired assets.
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Biaya dibayar dimuka diamortisasi dan Prepaid expenses are amortized and charged
dibebankan pada operasi menggunakan to the operations using straight-line method
metode garis lurus selama masa manfaatnya. over the period benefited.
54

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Aset lain-lain terdiri dari piutang bunga, biaya Other assets include interests receivable,
dibayar dimuka, kliring dalam penyelesaian, prepaid expenses, clearing in progress,
uang muka dan lain-lain. advances and others.
Aset lain-lain disajikan sebesar nilai tercatat Other assets are stated at the carrying
setelah dikurangi dengan cadangan kerugian amounts less allowance for impairment
penurunan nilai. losses.
Pada setiap tanggal laporan posisi keuangan At the consolidated statement of financial
konsolidasian, Bank dan entitas anak position date, the Bank and subsidiaries
melakukan penelaahan terhadap nilai yang evaluate the recoverable amount of its non-
dapat diperoleh kembali atas aset non- financial assets to determine whether there is
keuangan untuk menentukan apakah terdapat any indication of impairment as discussed in
indikasi penurunan nilai sebagaimana Note 2.q.
dijelaskan dalam Catatan 2.q.
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Liabilitas segera dicatat pada saat timbulnya Obligations due immediately are recorded at
liabilitas atau diterimanya perintah the time the obligations occur or upon receipt
pemindahbukuan, baik dari nasabah maupun of transfer orders from customers or other
dari bank lain. banks.
Liabilitas segera dicatat berdasarkan biaya Obligations due immediately are stated at
perolehan diamortisasi dan diklasifikasikan amortized cost and classified as other
sebagai liabilitas keuangan lainnya. financial liabilities.
X 6LPSDQDQ QDVDEDK 6LPSDQDQ QDVDEDK X 'HSRVLWV IURP FXVWRPHUV 6KDULD GHSRVLWV
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Giro merupakan simpanan nasabah yang Current accounts represent customers’ funds
dapat digunakan sebagai alat pembayaran, which can be used as payment instruments,
yang penarikannya dapat dilakukan setiap saat and which can be withdrawn by the depositors
melalui cek, atau dengan cara at any time through check writing, or transfers
pemindahbukuan dengan bilyet giro atau between accounts using bilyet giro and other
sarana perintah pembayaran lainnya. orders of payment or transfer.
Tabungan merupakan simpanan nasabah Savings account represent customers’ funds,

yang penarikannya hanya dapat dilakukan which can only be withdrawn by the depositors
menurut syarat tertentu yang disepakati. under agreed conditions.
Deposito berjangka merupakan simpanan Time deposits represent customers’ funds,

nasabah yang penarikannya hanya dapat which can only be withdrawn by the depositors
dilakukan pada waktu tertentu sesuai dengan at specific maturities according to the deposit
perjanjian dengan penyimpan. agreements.
Giro dan tabungan wadiah merupakan giro Wadiah which is a wadiah yad-adhamanah
dan tabungan wadiah yad-adhamanah yakni savings and demand deposits on which the
titipan dana dalam bentuk giro dan tabungan customer may receive bonus income.
pihak lain dimana pemilik dana mendapatkan
pendapatan bonus.
55

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Dana syirkah temporer adalah dana yang Temporary syirkah funds represent investment
diterima oleh Bank. Bank mempunyai hak received by the Bank. The Bank has the right
untuk mengelola dan menginvestasikan dana, to manage and invest funds in accordance
baik sesuai dengan kebijakan Bank atau with either the Bank’s policy or restriction set
kebijakan pembatasan dari pemilik dana, by the depositors’ with the agreed profit
dengan keuntungan dibagikan sesuai dengan sharing.
kesepakatan.
Hubungan antara Bank dan pemilik dana Relationship between the Bank and the owner
syirkah temporer merupakan hubungan of temporary syirkah funds are based on
kemitraan berdasarkan akad mudharabah partnership mudharabah muthlaqah,
muthlaqah, mudharabah muqayyadah atau mudharabah muqayyadah or musyarakah.
musyarakah.
Contoh dari dana syirkah temporer adalah The example of temporary syirkah funds are
penerimaan dana dari investasi mudharabah investment funds received from mudharabah
muthlaqah, mudharabah muqayyadah, muthlaqah, mudharabah muqayyadah,
mudharabah musytarakah, dan akun lain yang mudharabah musytarakah and other similar
sejenis. accounts.
1) Mudharabah muthlaqah adalah 1) Mudharabah muthlaqah represents

mudharabah dimana pemilik dana mudharabah in which the fund owner
(shahibul maal) memberikan kebebasan (shahibul maal) entrusts to fund manager
kepada pengelola dana (mudharib/Bank) (mudharib/Bank) in managing its
dalam pengelolaan investasinya. investment.
2) Mudharabah muqayyadah adalah 2) Mudharabah muqayyadah represents

mudharabah dimana pemilik dana mudharabah in which the fund owner sets
memberikan batasan kepada pengelola restrictions against fund manager
dana, antara lain mengenai tempat, cara regarding, among others, the place, the
dan atau obyek investasi. means and/or the object of investment.
3) Mudharabah musytarakah adalah bentuk 3) Mudharabah musytarakah represents

mudharabah dimana pengelola dana juga mudharabah in which fund manager also
menyertakan modal atau dananya dalam submits its capital or fund in the
kerja sama investasi. investment.
Dana syirkah temporer tidak dapat Temporary syirkah funds can not be classified
digolongkan sebagai liabilitas. Hal ini karena as liability because the Bank has no obligation
Bank tidak mempunyai liabilitas, ketika to return the fund to the owner when the Bank
mengalami kerugian, untuk mengembalikan has loss, unless there is negligence or default
jumlah dana awal dari pemilik dana kecuali by the Bank. Temporary syirkah funds can not
akibat kelalaian atau wanprestasi Bank. Dana be classified as equity since they have
syirkah temporer tidak dapat digolongkan maturity and the owner of the funds do not
sebagai ekuitas karena mempunyai waktu have ownership rights as common
jatuh tempo dan pemilik dan tidak mempunyai shareholders, such as voting rights and right of
hak kepemilikan yang sama dengan the profit derived from current assets and non-
pemegang saham seperti hak voting dan hak investment assets.
atas realisasi keuntungan yang berasal dari
aset lancar dan aset non investasi.
56

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Dana syirkah temporer merupakan salah satu Temporary syirkah funds represent one of the
unsur laporan posisi keuangan, hal tersebut statements of financial position accounts which
sesuai dengan prinsip syariah yang is in accordance with sharia principle provide
memberikan hak kepada Bank untuk right to the Bank to manage and invest fund,
mengelola dana, termasuk untuk mencampur including to mixing of one funds with the other
dana dimaksud dengan dana lainnya. funds.
Pemilik dana syirkah temporer memperoleh The owner of temporary syirkah funds receive
bagian atas keuntungan sesuai kesepakatan parts of profit in accordance with the
dan menerima kerugian berdasarkan jumlah agreement and receive loss based on
dana dari masing-masing pihak. Pembagian proportion to the total funds. The profit
hasil dana syirkah temporer dapat dilakukan distribution of temporary syirkah funds might
dengan konsep bagi hasil atau bagi untung. be based on profit sharing or revenue sharing
concept.
Simpanan nasabah diklasifikasikan sebagai Deposits from customers are classified as

liabilitas keuangan lainnya dan diukur pada other financial liabilities and measured at
biaya perolehan diamortisasi menggunakan amortized cost using the effective interest
suku bunga efektif, kecuali simpanan yang method, except for sharia deposits and
didasarkan pada prinsip perbankan syariah temporary syirkah fund which are stated at the
dan dana syirkah temporer yang dinyatakan Bank’s liability to the customers. Incremental
sebesar kewajiban Bank kepada nasabah. costs that can be attributed directly to the
Biaya tambahan yang dapat diatribusikan acquisition of deposits from customers are
secara langsung kepada perolehan simpanan deducted from total deposits received.
nasabah, dikurangkan dari jumlah simpanan
yang diterima.
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Simpanan dari bank lain terdiri dari liabilitas Deposits from other banks represent liabilities
terhadap bank lain dalam bentuk giro, to other banks, in the form of current
tabungan, interbank call money dan deposito accounts, savings, interbank call money and
berjangka. time deposits.
Di dalam simpanan dari bank lain termasuk Deposits from other banks include sharia
simpanan syariah dalam bentuk giro wadiah. deposits in the form of wadiah current
accounts.
Simpanan dari bank lain diklasifikasikan Deposits from other banks are classified as
sebagai liabilitas keuangan dan diukur pada financial liabilities and measured at amortized
biaya perolehan diamortisasi menggunakan cost using the effective interest rate except for
suku bunga efektif kecuali simpanan syariah sharia deposits which are stated at the Bank’s
yang dinyatakan sebesar nilai liabilitas Bank liability amount to the customer. Incremental
kepada nasabah. Biaya tambahan yang dapat costs that can be attributed directly to the
diatribusikan secara langsung dengan acquisition of deposits from other banks are
perolehan simpanan dari bank lain deducted from the total deposits received.
dikurangkan dari total simpanan yang diterima.
Simpanan dari bank lain dinyatakan sesuai Deposits from other banks are stated at
jumlah liabilitas terhadap nasabah. Bank’s liability to the customer.
57

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Efek-efek yang dijual dengan janji untuk dibeli Securities sold under agreements to
kembali disajikan sebagai kewajiban dalam repurchase are presented as liabilities in the
laporan posisi keuangan konsolidasian consolidated statements of financial position,
sebesar jumlah pembelian kembali, dikurangi at the repurchase price, net of unamortized
dengan bunga dibayar di muka yang belum prepaid interest. The difference between the
diamortisasi. Selisih antara harga jual dan selling price and the repurchase price is
harga beli kembali diperlakukan sebagai biaya treated as prepaid expenses and recognized
dibayar di muka dan diakui sebagai beban as expense over the period starting from when
selama jangka waktu sejak efek-efek tersebut those securities are sold until they are
dijual hingga dibeli kembali menggunakan repurchased using the effective interest
metode suku bunga efektif. method.
Efek-efek yang dijual dengan janji untuk dibeli Securities sold under agreements to
kembali diklasifikasikan sebagai liabilitas repurchase are classified as other financial
keuangan lainnya yang diukur dengan biaya liabilities measured at amortized cost.
perolehan diamortisasi.
[ (IHNKXWDQJ\DQJGLWHUELWNDQ [ 'HEWVHFXULWLHVLVVXHG
Efek hutang yang diterbitkan merupakan Debt securities issued are bonds issued by
obligasi yang diterbitkan oleh Bank yang the Bank which are classified as other
diklasifikasikan sebagai liabilitas keuangan financial liabilities.
lainnya.
Surat berharga yang diterbitkan diakui sebesar The securities issued are recognized initially at
nilai wajar pada awalnya dan selanjutnya fair value and subsequently measured at
diukur sebesar biaya perolehan diamortisasi amortized cost using the effective interest rate
dengan menggunakan metode suku bunga method (EIR). Amortized cost is calculated by
efektif (EIR). Biaya perolehan diamortisasi taking into account any discount or premium
dihitung dengan memperhitungkan adanya associated related to the initial recognition and
diskonto atau premi terkait dengan pengakuan transaction costs that are an integral part of
awal dan biaya transaksi yang tidak terpisah the effective interest rate.
dari suku bunga efektif.
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Pinjaman yang diterima merupakan dana yang Fund borrowings are funds received by the
diterima oleh Bank dari Bank Indonesia, Bank from Bank Indonesia, the Government
Pemerintah dan lembaga pembiayaan lain and other financing institutions with payment
dengan kewajiban pembayaran berdasarkan obligation based on borrowing agreements.
perjanjian pinjaman.
Pinjaman yang diterima diakui sebesar nilai Fund borrowings are recognized initially at fair
wajar pada awalnya dan selanjutnya diukur value and subsequently measured at
sebesar biaya perolehan diamortisasi dengan amortized cost using the effective interest rate
menggunakan metode suku bunga efektif method (EIR). Amortized cost is calculated by
(EIR). Biaya perolehan diamortisasi dihitung taking into account any discount or premium
dengan memperhitungkan adanya diskonto associated related to the initial recognition and
atau premi terkait dengan pengakuan awal dan transaction costs that are an integral part of
biaya transaksi yang tidak terpisah dari suku the effective interest rate.
bunga efektif.
58

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Pendapatan dan beban bunga diakui pada Interest income and expenses are recognized
laporan laba rugi komprehensif konsolidasian in the consolidated statement of
dengan menggunakan metode suku bunga comprehensive income using the effective
efektif. Suku bunga efektif adalah suku bunga interest method. The effective interest rate is
yang secara tepat mendiskontokan estimasi the rate that exactly discounts the estimated
pembayaran atau penerimaan kas di masa future cash payments or receipts through the
datang selama perkiraan umur dari aset expected life of the financial instrument (or,
keuangan atau liabilitas keuangan (atau, jika where appropriate, a shorter period) to the
lebih tepat, digunakan periode yang lebih carrying amount of the financial asset or
singkat) untuk memperoleh nilai tercatat bersih financial liability.
dari aset keuangan atau liabilitas keuangan.
Jika aset keuangan atau kelompok aset If financial assets or group of similar financial
keuangan serupa telah diturunkan nilainya asset have been impaired as a consequence
sebagai akibat kerugian penurunan nilai, maka of loss on impairment, then the interest
pendapatan bunga setelahnya diakui income is subsequently based on interest rate
berdasarkan suku bunga yang digunakan used to discount the future cash flows in
untuk mendiskonto arus kas masa datang calculating impairment losses.
dalam menghitung kerugian penurunan nilai.
6\DULDK 6KDULD
Pendapatan operasi syariah utama terdiri dari The main sharia operating income consists of
pendapatan dari transaksi murabahah dan income from murabahah and istishna
istishna, pendapatan bagi hasil dari transactions, income from profit sharing of
pembiayaan mudharabah dan musyarakah, mudharabah and musyarakah financing,
pendapatan dari transaksi ijarah muntahiyah income from ijarah muntahiyah bittamlik and
bittamlik dan pendapatan lainnya. Pendapatan other income. Income from istishna is
dari transaksi istishna diakui apabila telah recognized upon delivery of goods. Profit
terjadi penyerahan barang. Bagi hasil dari sharing from mudharabah and musyarakah
pembiayaan mudharabah dan musyarakah financing is recognized upon collection (cash
diakui pada saat angsuran diterima secara basis). Other main operating income consists
tunai (cash basis). Pendapatan operasi utama of income derived from Bank Indonesia
lainnya terdiri dari pendapatan dari Sertifikat Wadiah Certificates, placements with other
Wadiah Bank Indonesia, pendapatan dari Sharia banks, and revenue sharing from
penempatan pada bank syariah lain dan Sharia securities. Other main operating
pendapatan bagi hasil surat berharga syariah. income is recognized upon collection.
Pendapatan operasi utama lainnya diakui pada
saat diterima.
59

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Sebelum 1 Januari 2014, pengakuan Prior to January 1, 2014, murabahah income

pendapatan transaksi murabahah dengan by deferred payment or by installment is
pembayaran tangguh atau secara angsuran recognized during the period of the contract
dilakukan selama periode akad sesuai dengan based on effective method (annuity).
metode efektif (anuitas).
Sejak 1 Januari 2014, pendapatan atas Since January 1, 2014, income from
piutang murabahah menggunakan metode murabahah receivables using the effective rate
setara tingkat imbal hasil efektif (margin of return method (effective margin).
efektif).
Margin efektif adalah margin yang secara tepat Effective margin is the margin that precisely
mendiskontokan estimasi pembayaran atau discounts the estimated future cash payments
penerimaan kas di masa datang selama or receipts through the expected life of the
perkiraan umur dari piutang murabahah. Pada murabahah receivables. When calculating the
saat menghitung margin efektif, Bank effective margin, Bank estimates the future
mengestimasi arus kas di masa datang cash flows considering all contractual terms of
dengan mempertimbangkan seluruh the financial instrument, but does not consider
persyaratan kontraktual dalam instrumen the loss of receivables in the future. This
keuangan tersebut, tetapi tidak calculation includes all commissions, provision
mempertimbangkan kerugian piutang di masa fees and other forms accepted by the parties in
mendatang. Perhitungan ini mencakup seluruh the contract that are an inseparable part of the
komisi, provisi dan bentuk lain yang diterima effective margin, transaction costs and all other
oleh para pihak dalam kontrak yang premiums or discounts.
merupakan bagian tak terpisahkan dari margin
efektif, biaya transaksi, dan seluruh premi atau
diskon lainnya.
Pendapatan bagi hasil pembiayaan Mudharabah and musyarakah income are

mudharabah dan musyarakah diakui pada saat recognized when cash is received or in a
diterima atau dalam periode terjadinya hak period where the right of revenue sharing is
bagi hasil sesuai porsi bagi hasil (nisbah) yang due based on agreed portion (nisbah).
disepakati.
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Pendapatan provisi dan komisi yang berkaitan Fees and commissions directly related to
langsung dengan kegiatan pinjaman, atau lending activities, or fee and commission
pendapatan provisi dan komisi yang income which relates to a specific period, is
berhubungan dengan jangka waktu tertentu, amortized over the term of the contract using
diamortisasi sesuai dengan jangka waktu the effective interest method and classified as
kontrak menggunakan metode suku bunga part of interest income in the consolidated
efektif dan diklasifikasikan sebagai bagian dari statement of comprehensive income.
pendapatan bunga pada laporan laba rugi
komprehensif konsolidasian.
Pendapatan provisi dan komisi yang tidak Fees and commissions that are not related to
berkaitan dengan kegiatan pemberian kredit the credit activity or a period of time and/or
atau suatu jangka waktu dan/atau terkait associated with the service provided, are
dengan pemberian suatu jasa, diakui sebagai recognized as revenue at the time of the
pendapatan pada saat terjadinya transaksi dan transaction and recorded under other
dicatat pada akun pendapatan operasional operating income.
lainnya.
60

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Kontrak sewa yang tidak mengalihkan secara Leases, which do not transfer substantially all
substansial seluruh risiko dan manfaat the risks and rewards of ownership are
kepemilikan aset tetap berada ditangan retained by the lessor, are classified as
perusahaan sewa-menyewa (lessor), maka operating leases. Payments made under
sewa tersebut diklasifikasikan sebagai sewa operating leases are charged to the
operasi. Pembayaran sewa operasi consolidated statement of comprehensive
dibebankan ke laporan laba rugi komprehensif income on a straight-line method over the
konsolidasian menggunakan metode garis period of the lease.
lurus selama masa sewa.
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Beban pajak tahun berjalan ditetapkan Current tax expense is provided based on the
berdasarkan taksiran penghasilan kena pajak estimated taxable income for the current year.
tahun berjalan. Aset dan liabilitas pajak Deferred tax assets and liabilities are
tangguhan diakui atas perbedaan temporer recognized for temporary differences between
aset dan liabilitas antara pelaporan komersial the financial and the tax bases of assets and
dan pajak pada setiap tanggal pelaporan. liabilities at each reporting date.
Aset pajak tangguhan diakui menggunakan Deferred tax assets are recognized, using the
metode posisi keuangan untuk seluruh statement of financial position method, for all
perbedaan temporer yang boleh dikurangkan deductible temporary differences and carry
dan saldo rugi fiskal yang belum digunakan, forward of unused tax losses to the extent that
sepanjang besar kemungkinan perbedaan it is probable that future taxable profits will be
temporer yang boleh dikurangkan dan saldo available against which the deductible
rugi fiskal yang belum digunakan tersebut temporary differences and carry forward of
dapat dimanfaatkan untuk mengurangi laba unused tax losses can be utilized.
fiskal pada masa yang akan datang.
Jumlah tercatat aset pajak tangguhan ditelaah The carrying amount of deferred tax assets is
pada setiap tanggal neraca dan nilai tercatat reviewed at each reporting date and reduced
aset pajak tangguhan tersebut diturunkan to the extent that it is no longer probable that
apabila tidak lagi terdapat kemungkinan besar sufficient taxable profits will be available to
bahwa laba fiskal yang memadai akan tersedia allow all or part of the benefit of the deferred
untuk mengkompensasi sebagian atau semua tax assets to be utilized.
manfaat aset pajak tangguhan.
Aset dan kewajiban pajak tangguhan diukur Deferred tax assets and liabilities are
berdasarkan tarif pajak yang akan berlaku measured at the tax rates that are expected to
pada tahun saat aset direalisasikan atau apply to the year when the asset is realized or
liabilitas diselesaikan berdasarkan peraturan the liability is settled based on tax laws that
perpajakan yang berlaku atau yang telah have been enacted or substantively enacted
secara substantif telah diberlakukan pada as at statement financial position date.
tanggal laporan posisi keuangan.
61

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Pengaruh pajak terkait dengan penyisihan The related tax effects of the provisions for
untuk dan/atau pembalikan seluruh perbedaan and/or reversals of all temporary differences
temporer selama tahun berjalan, termasuk during the year, including the effect of change
pengaruh perubahan tarif pajak, diakui sebagai in tax rates, are recognized as “Income Tax
“Manfaat/(Beban) Pajak Penghasilan, Benefit (Expense) - Deferred” and included in
Tangguhan” dan termasuk dalam laba atau the determination of net profit or loss for the
rugi neto tahun berjalan, kecuali untuk year, except to the extent that they relate to
transaksi-transaksi yang sebelumnya telah items previously charged or credited to equity.
langsung dibebankan atau dikreditkan ke
ekuitas.
Koreksi atas liabilitas pajak diakui pada saat Amendment to tax obligation is recorded when
surat ketetapan pajak diterima, atau apabila an assessment letter is received or, if objected
diajukan keberatan dan atau banding oleh to or appealed against by the Bank, when the
Bank, pada saat telah ada keputusan atas result of such appeal or objection is
banding dan atau keberatan tersebut. determined.
Aset dan liabilitas atas pajak tangguhan dan Assets and liabilities on deferred tax and
pajak kini dapat saling hapus apabila terdapat current tax can be offset if there is a legal
hak yang berkekuatan hukum untuk enforceable right to offset.
melakukan saling hapus.
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Imbalan kerja jangka pendek Short-term employee benefits
Imbalan kerja jangka pendek seperti upah, Short-term employee benefits such as wages,
iuran jaminan sosial, cuti jangka pendek, social security contributions, short-term
bonus dan imbalan non-moneter lainnya diakui compensated leaves, bonuses and other non-
selama periode jasa diberikan. Imbalan kerja monetary benefits are recognized during the
jangka pendek dihitung sebesar jumlah yang period when services have been rendered.
tidak didiskontokan. Short-term employee benefits are measured
using undiscounted amounts.
Program pensiun iuran pasti Defined contribution plan
Iuran kepada dana pensiun sebesar Contribution payable to a pension fund

persentase tertentu gaji pegawai yang menjadi equivalent to a certain percentage of salaries
peserta program pensiun iuran pasti Bank, for qualified employees under the Bank’s
dicadangkan dan diakui sebagai biaya ketika defined contribution plan is accrued and
jasa telah diberikan oleh pegawai-pegawai recognized as expense when services have
tersebut. Pembayaran dikurangkan dari utang been rendered by qualified employees. Actual
iuran. Iuran terutang dihitung berdasarkan payments are deducted from the contribution
jumlah yang tidak didiskontokan. payable. Contribution payable is measured
using undiscounted amounts.
Program imbalan pasti dan imbalan kerja Defined benefit plan and other long-term
jangka panjang lainnya employee benefits
Imbalan pasca-kerja dicadangkan dan diakui The post-employment benefits are accrued
sebagai biaya ketika jasa telah diberikan oleh and recognized as expense when services
pegawai yang menjadi peserta program have been rendered by qualified employees.
pensiun Bank. Imbalan kerja ditentukan The benefits are determined based on the
berdasarkan peraturan Bank dan persyaratan Bank’s regulations and the minimum
minimum Undang-undang Tenaga Kerja No. requirements of Labor Law No. 13/2003,
13/2003, mana yang lebih tinggi. whichever is higher.
62

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DG ,PEDODQNHUMDODQMXWDQ DG (PSOR\HHEHQHILWVFRQWLQXHG
Program imbalan pasti dan imbalan kerja Defined benefit plan and other long-term
jangka panjang lainnya (lanjutan) employee benefits (continued)
Imbalan pasca-kerja dan imbalan kerja jangka The post-employment benefits and other long-
panjang lainnya secara aktuaris ditentukan term employee benefits are actuarially
berdasarkan metode Projected Unit Credit. determined using the Projected Unit Credit
Method.
Penyisihan biaya jasa masa lalu ditangguhkan Provisions made pertaining to past service
dan diamortisasi selama sisa masa kerja rata- costs are deferred and amortized over the
rata yang diharapkan dari karyawan yang expected average remaining service years of
memenuhi syarat tersebut. Selain itu, the qualified employees. Furthermore,
penyisihan untuk biaya jasa kini dibebankan provisions for current service costs are directly
langsung pada operasi tahun/periode berjalan. charged to operations of the current
Keuntungan atau kerugian aktuarial yang year/period. Actuarial gains or losses arising
timbul dari penyesuaian dan perubahan dalam from adjustments and changes in actuarial
asumsi-asumsi aktuarial diakui sebagai assumptions are recognized as income or
pendapatan atau beban apabila akumulasi expense when the net cumulative
keuntungan atau kerugian aktuarial neto yang unrecognized actuarial gains or losses at the
belum diakui pada akhir periode pelaporan end of the previous reporting period exceed
sebelumnya melebihi 10% dari nilai kini 10% of the present value of the defined
kewajiban imbalan pasti atau 10% dari nilai benefit obligations or 10% of the fair value of
wajar aset dana pensiun, pada tanggal plan assets, at that date. The actuarial gains
tersebut. Keuntungan atau kerugian aktuarial or losses in excess of the aforementioned
yang melebihi batas 10% tersebut diakui atas 10% threshold are recognized on a straight-
dasar metode garis lurus selama ekspektasi line method over the expected average
rata-rata sisa masa kerja karyawan yang remaining service years of the qualified
memenuhi syarat. employees.
Keuntungan atau kerugian aktuarial dan biaya Actuarial gains or losses and past service
jasa lalu dari imbalan kerja jangka panjang costs from other long-term employee benefits
lainnya langsung diakui pada laporan laba rugi are recognized directly in the statement of
komprehensif tahun berjalan. comprehensive income of the current period.
DH /DEDSHUVDKDPGDVDU DH %DVLFHDUQLQJVSHUVKDUH
Laba per saham dasar dihitung dengan Basic earnings per share amounts are
membagi laba tahun berjalan yang dapat computed by dividing income for the year
diatribusikan kepada pemilik entitas induk attributable to equity holders of the parent
dengan rata-rata tertimbang jumlah saham entity by the weighted average number of
biasa yang beredar selama tahun berjalan. shares outstanding during the year.
DI 7UDQVDNVLGHQJDQSLKDNSLKDNEHUHODVL DI 7UDQVDFWLRQVZLWKUHODWHGSDUWLHV
Dalam menjalankan usahanya, Bank dan In the normal course of its business, the Bank
entitas anak melakukan transaksi dengan and subsidiaries enters into transactions with
pihak-pihak berelasi seperti yang didefinisikan related parties which are defined under SFAS
dalam PSAK No. 7 (Revisi 2010) tentang No. 7 (Revised 2010), “Related Party
“Pengungkapan Pihak-pihak Berelasi”. Disclosures”.
63

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-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
682 '$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6
&$7$7$1$7$6/$325$1.(8$1*$1 127(6727+(&2162/,'$7('),1$1&,$/
.2162/,'$6,$1 67$7(0(176

,.+7,6$5 .(%,-$.$1 $.817$16, <$1* 6800$5< 2) 6,*1,),&$17 $&&2817,1*
DI 7UDQVDNVL GHQJDQ SLKDNSLKDN EHUHODVL DI 7UDQVDFWLRQV ZLWK UHODWHG SDUWLHV
ODQMXWDQ FRQWLQXHG
Suatu pihak dianggap berelasi dengan Bank The Bank and subsidiaries consider the
dan entitas anak jika: following as their related parties:
i. suatu pihak yang secara langsung, atau i. a person who, directly or indirectly through
tidak langsung yang melalui satu atau lebih one or more intermediaries, (i) controls, or
perantara, suatu pihak (i) mengendalikan, controlled by, or under common control
atau dikendalikan oleh, atau berada with the Bank and subsidiaries , (ii) has
dibawah pengendalian bersama, dengan significant influence over the Bank and
Bank dan entitas anak; (ii) memiliki subsidiaries or (iii) has joint control over
pengaruh signifikan atas Bank dan entitas the Bank and subsidiaries;
anak; atau (iii) memiliki pengendalian
bersama atas Bank dan entitas anak;
ii. suatu pihak yang berada dalam kelompok ii. an entity which is a member of the same
usaha yang sama dengan Bank dan entitas group as the Bank and subsidiaries;
anak;
iii. suatu pihak yang merupakan ventura iii. an entity which is a joint ventures of a
bersama di mana Bank dan entitas anak third party in which the Bank and
sebagai venturer; subsidiaries have ventured in;
iv. suatu pihak adalah anggota dari personil iv. a member of key management personnel
manajemen kunci Bank dan entitas anak; of the Bank and subsidiaries;
v. suatu pihak adalah anggota keluarga dekat v. a close family member of the person
dari individu yang diuraikan dalam butir (i) described in clause (i) or (iv);
atau (iv);
vi. suatu pihak adalah entitas yang vi. an entity that is controlled, jointly
dikendalikan, dikendalikan bersama atau controlled or significantly influenced,
dipengaruhi signifikan oleh beberapa directly or indirectly by the person
entitas, langsung maupun tidak langsung, described in clause (iv) or (v);
individu seperti diuraikan dalam butir (iv)
atau (v);
vii. suatu pihak adalah suatu program imbalan vii. an entity which is a post-employment
pasca kerja untuk imbalan kerja dari Bank benefit plan for the benefit of employees
dan entitas anak atau entitas terkait Bank of either the Bank and subsidiaries or an
dan entitas anak. entity related to the Bank and
subsidiaries.
Transaksi dengan pihak-pihak berelasi Transactions with related parties are made on
dilakukan dengan syarat dan kondisi yang the same term and conditions as those
sama dengan transaksi-transaksi dengan pihak transactions with third parties. All transaction
ketiga. Transaksi yang dilakukan Bank telah done by Bank have complied with Otoritas
memenuhi peraturan Otoritas Jasa Keuangan Jasa Keuangan (Badan Pengawas Pasar
(Badan Pengawas Pasar Modal dan Lembaga Modal dan Lembaga Keuangan) Regulation
Keuangan) No. IX.E.1 tentang “Transaksi No. IX.E.1 regarding “The affiliate transactions
Afiliasi dan Benturan Kepentingan Transaksi and conflict of interest of certain transactions”,
Tertentu”, pada saat transaksi-transaksi at the time the transaction were made. All
tersebut dilakukan. Seluruh transaksi dan material transactions and balances with
saldo yang material dengan pihak-pihak related parties are disclosed in the relevant
berelasi diungkapkan dalam catatan atas notes to the financial statements and the
laporan keuangan yang relevan dan rinciannya details have been presented in Note 43 of the
telah disajikan dalam Catatan 43. financial statements.
64

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-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
'$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6 683
&$7$7$1$7$6/$325$1.(8$1*$1 127(6727+(&2162/,'$7('),1$1&,$/
.2162/,'$6,$1 67$7(0(176

,.+7,6$5 .(%,-$.$1 $.817$16, <$1* 6800$5< 2) 6,*1,),&$17 $&&2817,1*
DJ 'LYLGHQ DJ 'LYLGHQGV
Pembagian dividen kepada para pemegang Dividends distribution to the shareholders is

saham diakui sebagai liabilitas dalam laporan recognized as a liability in the consolidated
keuangan konsolidasian pada tanggal dividen financial statements at the date when the
tersebut disetujui oleh para pemegang saham. dividend distribution is approved by the
shareholders.
DK ,QIRUPDVLVHJPHQXVDKD DK %XVLQHVVVHJPHQWLQIRUPDWLRQ
Informasi segmen diungkapkan untuk Segment information is disclosed to enable

memungkinkan pengguna laporan keuangan users of financial statement to evaluate the
untuk mengevaluasi sifat dan dampak nature and financial effects of the business
keuangan dari aktivitas bisnis yang mana activities in which the Bank and subsidiaries
Bank dan entitas anak terlibat dalam are involved in and the economic environment
lingkungan ekonomi dimana Bank dan entitas where the Bank and subsidiaries operate.
anak beroperasi.
Segmen operasi adalah suatu komponen dari An operating segment is a component of an

entitas: entity:
1) yang terlibat dalam aktivitas bisnis yang 1) that engages in business activities from
mana memperoleh pendapatan dan which it may earn revenues and incur
menimbulkan beban (termasuk expenses (including revenues and
pendapatan dan beban terkait dengan expenses relating to transactions with
transaksi dengan komponen lain dari other components of the same entity);
entitas yang sama);
2) hasil operasinya dikaji ulang secara reguler 2) whose operating results are reviewed
oleh pengambil keputusan operasional regularly by the entity’s chief operating
untuk membuat keputusan tentang decision maker to make decisions about
sumber daya yang dialokasikan pada resources to be allocated to the segment
segmen tersebut dan menilai kinerjanya; and assess its performance; and
dan
3) tersedia informasi keuangan yang dapat 3) for which discrete financial information is
dipisahkan. available.
Bank dan entitas anak menyajikan segmen- The Bank and subsidiaries present operating
segmen operasi berdasarkan laporan internal segments based on their internal reporting to
Bank dan entitas anak yang disajikan kepada the chief operating decision maker. The chief
pengambil keputusan operasional. Pengambil operating decision maker is the Board of
keputusan operasional adalah Direksi. Directors.
Bank telah mengidentifikasi dan The Bank identifies and discloses financial
mengungkapkan informasi keuangan information based on the business activities in
berdasarkan kegiatan bisnis dimana Bank which the Bank engages (business segments)
terlibat (segmen usaha). Segmen in. Segment revenues, expenses, income,
pendapatan, biaya, hasil, aset dan liabilitas, assets and liabilities include ítems directly
termasuk bagian yang dapat diatribusikan attributable to a segment as well as those that
langsung kepada segmen, serta yang dapat can be allocated on a reasonable basis to that
dialokasikan dengan dasar yang memadai segment.
untuk segmen tersebut.
65

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-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
684 '$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6
&$7$7$1$7$6/$325$1.(8$1*$1 127(6727+(&2162/,'$7('),1$1&,$/
.2162/,'$6,$1 67$7(0(176

,.+7,6$5 .(%,-$.$1 $.817$16, <$1* 6800$5< 2) 6,*1,),&$17 $&&2817,1*
DL %LD\DHPLVLSHQHUELWDQVDKDP DL ,VVXDQFHFRVWRQVKDUHVLVVXHG
Sesuai dengan Peraturan No. VIII.G.7 In accordance with the Regulation

lampiran Surat Keputusan Ketua BAPEPAM- No. VIII.G.7 attached to the Decision Letter
LK No. KEP-347/BL/2012 tanggal of the Chairman of BAPEPAM-LK
25 Juni 2012 mengenai “Penyajian dan No. KEP-347/ BL/2012 dated June 25, 2012
Pengungkapan Laporan Keuangan Emiten regarding “Financial Statements Presentation
atau Perusahaan Publik”, biaya-biaya emisi and Disclosure for Issuers or Public
yang terjadi sehubungan dengan penawaran Companies”, the issuance costs related to
saham kepada masyarakat (termasuk offering of shares to the public (including pre-
penerbitan hak memesan efek terlebih emptive rights issue) are deducted directly
dahulu) dikurangkan langsung dari hasil emisi from the proceeds and presented as a
dan disajikan sebagai pengurang pada akun deduction on “Premium on Share Capital –
“Agio Saham – setelah dikurangi biaya emisi Net of share issuance cost” account, as part
saham”, sebagai bagian dari Ekuitas pada of Equity in the consolidated statements of
laporan posisi keuangan konsolidasian. financial position.
DM 3HUXEDKDQGDODPNHELMDNDQDNXQWDQVLGDQ DM &KDQJHV LQ DFFRXQWLQJ SROLFLHV DQG

SHQJXQJNDSDQ GLVFORVXUHV
Bank telah menerapkan standar akuntansi The Bank adopted the revised accounting
pada tanggal 1 Januari 2014, yang dianggap standard on January 1, 2014, which is
relevan dengan laporan keuangan Bank, yaitu considered relevant to the Bank’s financial
PSAK No. 102 (Revisi 2013), “Murabahah”, statements. The revised standard is SFAS
yang merupakan penyempurnaan dari PSAK No. 102 (Revised 2013), “Murabahah”, which
No. 102 yang diterbitkan pada tahun 2008, represents improvement of SFAS No. 102
perihal kriteria transaksi murabahah issued in 2008, regarding criteria of
sehubungan dengan pengakuan, pengukuran, murabahah transaction in relation with the
penyajian dan pengungkapannya. recognition, measurement, presentation and
disclosure.
Dampak dari penerapan PSAK No. 102 (revisi The impact of the SFAS No. 102 (revised
2013) terhadap penurunan nilai aset keuangan 2013) on impairment of financial assets arising
yang timbul dari transaksi murabahah telah from murabahah transactions have been fully
dibebankan sepenuhnya dalam laporan laba charged to 2014 statement of comprehensive
rugi komprehensif tahun 2014 atas dasar income on the basis of materiality.
materialitas.
DN0RGDOVDKDP DN &DSLWDOVWRFN

Modal saham diukur pada nilai nominal untuk Capital stock is measured at par value for all
semua saham yang diterbitkan. shares issued.

DO 6DOGRODED DO 5HWDLQHGHDUQLQJV
Saldo laba merupakan saldo kumulatif dari Retained earnings represent the cumulative
hasil operasi Bank dan entitas anak, balance of the Bank and subsidiaries’ results
pembagian dividen, penyesuaian periode of operations, dividend distributions, prior
sebelumnya, efek dari perubahan kebijakan period adjustments, effects of the changes in
akuntansi dan penyesuaian modal lainnya. accounting policy and other capital
adjustments.
66

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-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
'$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6 685
&$7$7$1$7$6/$325$1.(8$1*$1 127(6727+(&2162/,'$7('),1$1&,$/
.2162/,'$6,$1 67$7(0(176

,.+7,6$5 .(%,-$.$1 $.817$16, <$1* 6800$5< 2) 6,*1,),&$17 $&&2817,1*
DP 3URYLVL DP3URYLVLRQV
Provisi diakui jika Bank dan entitas anak Provisions are recognized when the Bank and
memiliki liabilitas kini (baik bersifat hukum subsidiaries have a present obligation (legal or
maupun bersifat konstruktif) yang sebagai constructive) where, as a result of a past
akibat peristiwa masa lalu, besar event, it is probable that an outflow of
kemungkinannya penyelesaian liabilitas resources embodying economic benefits will
tersebut akan mengakibatkan arus keluar be required to settle the obligation and a
sumber daya yang mengandung manfaat reliable estimate can be made of the amount
ekonomi dan estimasi yang andal mengenai of the obligation.
jumlah kewajiban tersebut dapat dibuat.
Provisi ditelaah pada setiap tanggal Provisions are reviewed at each reporting date
pelaporan dan disesuaikan untuk and adjusted to reflect the current best
mencerminkan estimasi terbaik yang paling estimate. If it is no longer probable that an
kini. Jika arus keluar sumber daya untuk outflow of resources embodying economic
menyelesaikan kewajiban kemungkinan benefits will be required to settle the obligation,
besar tidak terjadi, maka provisi dibatalkan. the provision is reversed.
DQ &DGDQJDQNHUXJLDQSHQXUXQDQQLODLDVHW DQ $OORZDQFH IRU LPSDLUPHQW ORVVHV RQ QRQ

QRQSURGXNWLIGDQNRPLWPHQGDQ HDUQLQJ DVVHWV DQG FRPPLWPHQWV DQG
NRQWLQMHQVL FRQWLQJHQFLHV
Sesuai dengan Surat Edaran Bank Indonesia In accordance with Bank Indonesia Circular
(SE-BI) No. 13/658/DPNP/DPnP tanggal Letter (SE-BI) No. 13/658/DPNP/DPnP dated
23 Desember 2011, Bank tidak diwajibkan December 23, 2011, the Bank is not required
lagi untuk membentuk cadangan kerugian to provide an allowance for impairment losses
penurunan nilai atas aset non-produktif dan on non-earning assets and administrative
transaksi rekening administratif (komitmen account transactions (commitments and
dan kontinjensi), namun Bank tetap harus contingencies), but the Bank should still
menghitung cadangan kerugian penurunan calculate the allowance for impairment losses
nilai mengacu pada Pernyataan Standar in accordance with the applicable accounting
Akuntansi Keuangan yang berlaku (kecuali standards (except for Sharia Business Units
Unit Usaha Syariah berdasarkan peraturan based on Bank Indonesia Regulation
Bank Indonesia No. 13/13/PBI/2011 tanggal No.13/13/PBI/2011 dated March 24, 2011).
24 Maret 2011).
DR 3HULVWLZDVHWHODKSHULRGHSHODSRUDQ DR (YHQWVDIWHUWKHUHSRUWLQJSHULRG

Setiap peristiwa setelah akhir tahun yang Any post year end event that provides
menyebabkan tambahan informasi mengenai additional information about the Bank’s and
posisi keuangan Bank dan entitas anak subsidiaries’ financial position (adjusting
(adjusting event) akan disesuaikan dalam event) is reflected in the consolidated financial
laporan keuangan konsolidasian. Peristiwa statements. Post year end events that are not
setelah akhir tahun yang bukan merupakan adjusting events, if any, are disclosed when
adjusting events, jika ada, akan diungkapkan material to the consolidated financial
ketika memiliki dampak material terhadap statements.
laporan keuangan konsolidasian.
67

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-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
686 '$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6
&$7$7$1$7$6/$325$1.(8$1*$1 127(6727+(&2162/,'$7('),1$1&,$/
.2162/,'$6,$1 67$7(0(176

3(1,/$,$1'$1(67,0$6,$.817$16,<$1* 6,*1,),&$17 $&&2817,1* -8'*0(176 $1'

6,*1,),.$1 (67,0$7(6
Penyusunan laporan keuangan konsolidasian The preparation of the consolidated financial
mengharuskan manajemen untuk membuat statement requires management to make
pertimbangan, estimasi dan asumsi yang judgments, estimates and assumptions that affect
mempengaruhi jumlah yang dilaporkan dari the reported amounts of revenues, expenses,
pendapatan, beban, aset dan liabilitas, dan assets and liabilities, and the disclosure of
pengungkapan atas liabilitas kontinjensi, pada contingent liabilities, at the end of the reporting
akhir periode pelaporan. Ketidakpastian mengenai period. Uncertainty about these assumptions and
asumsi dan estimasi tersebut dapat estimates could result in outcomes that require a
mengakibatkan penyesuaian material terhadap material adjustment to the carrying amounts of the
nilai tercatat aset dan liabilitas dalam periode asset and liability affected in future periods.
pelaporan berikutnya.
3HUWLPEDQJDQ -XGJPHQWV
Pertimbangan berikut ini dibuat oleh manajemen The following judgments are made by
dalam rangka penerapan kebijakan akuntansi management in the process of applying the
yang memiliki pengaruh paling signifikan atas accounting policies that have the most significant
jumlah yang diakui dalam laporan keuangan effects on the amounts recognized in the
konsolidasian: consolidated financial statements:
Usaha yang berkelanjutan Going concern
Manajamen Bank dan entitas anak telah The Bank’s and subsidiaries’ management has
melakukan penilaian atas kemampuan Bank dan made an assessment of the Bank’s and
entitas anak untuk melanjutkan kelangsungan subsidiaries’ abilities to continue as a going
usahanya dan berkeyakinan bahwa Bank dan concern and is satisfied that the Bank and
entitas anak memilki sumber daya untuk subsidiaries have the resources to continue its
melanjutkan usahanya di masa mendatang. Selain business for the foreseeable future. Furthermore,
itu, manajemen tidak mengetahui adanya the management is not aware of any material
ketidakpastian material yang dapat menimbulkan uncertainties that may cast significant doubt to the
keraguan yang signifikan terhadap kemampuan Bank’s and subsidiaries’ abilities to continue as a
Bank dan entitas anak untuk melanjutkan going concern. Therefore, the consolidated
usahanya. Oleh karena itu, laporan keuangan financial statement continues to be prepared on
konsolidasian telah disusun atas dasar usaha the going concern basis.
yang berkelanjutan.
Klasifikasi aset dan liabilitas keuangan Classification of financial assets and financial
liabilities
Bank dan entitas anak menetapkan klasifikasi atas The Bank and subsidiaries determine the
aset dan liabilitas tertentu sebagai aset keuangan classifications of certain assets and liabilities as
dan liabilitas keuangan dengan financial assets and financial liabilities by judging if
mempertimbangkan bila definisi yang ditetapkan they meet the definition set forth in SFAS No. 55
PSAK No. 55 (Revisi 2011) dipenuhi. Dengan (Revised 2011). Accordingly, the financial assets
demikian, aset keuangan dan liabilitas keuangan and financial liabilities are accounted for in
diakui sesuai dengan kebijakan akuntansi seperti accordance with the accounting policies disclosed
diungkapkan pada Catatan 2. in Note 2.
Nilai wajar atas instrumen keuangan Fair value of financial instruments
Bila nilai wajar aset keuangan dan liabilitas Where the fair values of financial assets and
keuangan yang tercatat pada laporan posisi financial liabilities recorded on the consolidated
keuangan konsolidasian tidak tersedia di pasar statement of financial position cannot be derived
aktif, nilai wajar ditentukan dengan menggunakan from active markets, they are determined using a
berbagai teknik penilaian termasuk penggunaan variety of valuation techniques that include the use
model matematika. of mathematical models.
68

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-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
'$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6 687
&$7$7$1$7$6/$325$1.(8$1*$1 127(6727+(&2162/,'$7('),1$1&,$/
.2162/,'$6,$1 67$7(0(176

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6,*1,),.$1ODQMXWDQ (67,0$7(6FRQWLQXHG
3HUWLPEDQJDQODQMXWDQ -XGJPHQWVFRQWLQXHG
Nilai wajar atas instrumen keuangan (lanjutan) Fair value of financial instruments (continued)
Masukan (input) untuk model ini berasal dari data The inputs to these models are derived from
pasar yang bisa diamati sepanjang data tersebut observable market data where possible, but where
tersedia. Bila data pasar yang bisa diamati observable market data are not available,
tersebut tidak tersedia, pertimbangan manajemen judgment is required to establish fair values. The
diperlukan untuk menentukan nilai wajar. judgment include considerations of liquidity and
Pertimbangan manajemen tersebut mencakup model inputs such as volatility and discount rates,
pertimbangan likuiditas dan masukan model prepayment rates and default rate assumptions.
seperti volatilitas dan tingkat diskonto, tingkat
pelunasan dipercepat dan asumsi tingkat gagal
bayar.
Investasi dimiliki hingga jatuh tempo Held-to-maturity securities
Surat berharga dengan klasifikasi dimiliki hingga The classification under held-to-maturity securities
jatuh tempo membutuhkan judgment yang requires significant judgment. In making this
signifikan. Dalam membuat judgment ini, Bank dan judgment, the Bank and subsidiaries evaluate their
entitas anak mengevaluasi intensi dan intention and ability to hold such investments to
kemampuan untuk memiliki investasi tersebut maturity. If the Bank and subsidiaries fail to keep
hingga jatuh tempo. Jika Bank dan entitas anak these investments to maturity other than in certain
gagal untuk memiliki investasi ini hingga jatuh specific circumstances for example, selling an
tempo selain dalam kondisi-kondisi tertentu insignificant amount close to maturity, they will be
sebagai contoh, menjual dalam jumlah yang required to reclassify the entire portfolio as
insignifikan saat mendekati jatuh tempo, Bank dan available-for-sale securities. The available-for-sale
entitas anak harus mereklasifikasi seluruh securities will be measured at fair value and not at
portofolio tersebut menjadi surat berharga yang amortized cost.
tersedia untuk dijual. Surat berharga yang tersedia
untuk dijual tersebut akan diukur pada nilai wajar
dan bukan menggunakan biaya yang diamortisasi.
Aset keuangan yang tidak memiliki harga pasar Financial assets not quoted in an active market
Bank dan entitas anak mengklasifikasikan aset The Bank and subsidiaries classifiy financial assets
keuangan dengan mengevaluasi, antara lain, by evaluating, among others, whether the asset is
apakah nilai tersebut dikutip atau tidak di pasar quoted or not in an active market. Included in the
aktif. Termasuk dalam evaluasi pada apakah aset evaluation on whether a financial asset is quoted in
keuangan yang dikutip di pasar aktif adalah an active market is the determination on whether
penentuan apakah harga pasar dapat segera dan quoted prices are readily and regularly available,
secara teratur tersedia, dan apakah mereka and whether those prices represent actual and
mewakili harga aktual dan teratur terjadi transaksi regularly occurring market transactions on an
pasar secara arms-length. arm’s length basis.
Kontinjensi Contingencies
Ketika Bank dan entitas anak sedang terlibat When the Bank and subsidiaries are currently
dalam proses hukum, perkiraan biaya involved in legal proceedings, the estimate of the
kemungkinan bagi penyelesaian klaim telah probable cost for the resolution of claims has been
dikembangkan melalui konsultasi dengan bantuan developed in consultation with the aid of the legal
konsultan hukum Bank dan entitas anak counsel handling the Bank’s and subsidiaries’
didasarkan pada analisis hasil yang potensial. defense in this matter and is based upon an
analysis of potential results.
69

37%$1.3(0%$1*81$1'$(5$+ 37%$1.3(0%$1*81$1'$(5$+
-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
688 '$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6
&$7$7$1$7$6/$325$1.(8$1*$1 127(6727+(&2162/,'$7('),1$1&,$/
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3HUWLPEDQJDQODQMXWDQ -XGJPHQWVFRQWLQXHG
Kontinjensi (lanjutan) Contingencies (continued)
Manajemen Bank dan Entitas Anak tidak Management and Subsidiaries does not believe
berkeyakinan bahwa hasil dari hal ini akan that the outcome of this matter will affect the
mempengaruhi hasil usaha. Besar kemungkinan, results of operations. It is probable, however, that
bagaimanapun, bahwa hasil operasi di masa future results of operations could be materially
depan dapat secara material terpengaruh oleh affected by changes in the estimates or in the
perubahan dalam estimasi atau efektivitas dari effectiveness of the strategies relating to these
strategi yang terkait dengan hal tersebut. proceedings.
(VWLPDVLGDQ$VXPVL (VWLPDWHVDQG$VVXPSWLRQV
Asumsi dan estimasi utama masa depan dan The key estimates and assumptions concerning
sumber utama estimasi ketidakpastian lain pada the future and other key sources of estimating
tanggal pelaporan yang memiliki risiko untuk dapat uncertainty at the reporting date that have a
menyebabkan penyesuaian yang material significant risk of causing a material adjustment to
terhadap nilai tercatat aset dan liabilitas untuk the carrying amounts of assets and liabilities within
tahun/periode berikutnya diungkapkan di bawah the next financial year are disclosed below. The
ini. Bank dan entitas anak mendasarkan asumsi Bank and subsidiaries based their assumptions
dan estimasi yang digunakan pada parameter and estimates on parameters available when the
yang tersedia pada saat laporan keuangan consolidated financial statements were prepared.
konsolidasian disusun.
Asumsi dan situasi mengenai perkembangan Existing circumstances and assumptions about
masa depan dapat berubah akibat perubahan future developments may change due to market
pasar atau situasi yang timbul di luar kendali Bank changes or circumstances arising beyond the
dan entitas anak. Perubahan tersebut dicerminkan control of the Bank and subsidiaries. Such
dalam asumsi yang digunakan pada saat changes are reflected in the assumptions when
terjadinya. they occur.
Cadangan kerugian penurunan nilai dari kredit Allowance for impairment losses on loans and
dan pembiayaan/piutang syariah sharia financing/receivables
Bank dan entitas anak menelaah portofolio The Bank and subsidiaries review its loan portfolio
pinjaman dan piutang setiap tahun untuk menilai and receivables to assess impairment on an
penurunan nilai dengan memperbaharui provisi annual basis with updating provisions made during
yang dibentuk selama periode yang diperlukan the intervals as necessary based on the continuing
berdasarkan analisis berkelanjutan dan analysis and monitoring of individual accounts by
pemantauan terhadap rekening individual oleh credit officers.
petugas kredit.
Dalam menentukan apakah penurunan nilai harus In determining whether an impairment loss should
dibentuk dalam laporan laba rugi komprehensif be recorded in the consolidated statements of
konsolidasian, Bank dan entitas anak membuat comprehensive income, the Bank and subsidiaries
penilaian, apakah terdapat data yang dapat make judgments as to whether there is any
diobservasi yang menunjukkan bahwa terdapat observable data indicating that there is a
penurunan yang dapat diukur dalam laporan measurable decrease in the estimated future cash
perkiraan arus kas masa depan dari portofolio flows from a portfolio of loans before the decrease
pinjaman sebelum penurunan tersebut dapat can be identified with an individual loan in that
diidentifikasi secara individual dalam portofolio portfolio.
tersebut.
70

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-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
'$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6 689
&$7$7$1$7$6/$325$1.(8$1*$1 127(6727+(&2162/,'$7('),1$1&,$/
.2162/,'$6,$1 67$7(0(176

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(VWLPDVLGDQ$VXPVLODQMXWDQ (VWLPDWHVDQG$VVXPSWLRQVFRQWLQXHG
Cadangan kerugian penurunan nilai dari kredit Allowance for impairment losses on loans and
dan pembiayaan/piutang syariah (lanjutan) sharia financing/receivables (continued)
Bukti seperti ini dapat termasuk data yang dapat This evidence may include observable data
diobservasi yang menunjukkan bahwa telah terjadi indicating that there has been an adverse change
perubahan yang merugikan pada status in the payment status of borrowers in a group, or
pembayaran kelompok debitur, atau kondisi national or local economic conditions that correlate
ekonomi nasional atau lokal yang berkorelasi with defaults on assets in the group. The Bank and
dengan wanprestasi atas aset dalam kelompok. subsidiaries use estimates in the amount and
Bank dan entitas anak menggunakan perkiraan timing of future cash flows when determining the
dalam menentukan jumlah dan waktu dari arus level of allowance required. Such estimates are
kas masa depan ketika menentukan tingkat based on assumptions about a number of factors
penyisihan yang diperlukan. Estimasi tersebut and actual results may differ, resulting to future
didasarkan pada asumsi mengenai sejumlah changes in the allowance.
faktor dan hasil aktual yang dapat berbeda, yang
mengakibatkan perubahan terhadap jumlah
penyisihan di masa yang akan datang.
Penurunan nilai untuk surat berharga Impairment of debt securities
Bank dan entitas anak menentukan bahwa surat The Bank and subsidiaries determine that
berharga memiliki kriteria penurunan nilai yang securities are impaired based on the same criteria
sama dengan aset keuangan yang dicatat pada as financial assets carried at amortized cost.
Umur ekonomis dari aset tetap Useful lives of premises and equipment
Bank dan entitas anak memperkirakan masa The Bank and subsidiaries estimate the useful
manfaat aset tetap berdasarkan periode dimana lives of premises and equipment based on the
aset diharapkan akan tersedia untuk digunakan. period over which the assets are expected to be
Masa manfaat ekonomis aset tetap ditinjau secara available for use. The estimated useful lives of
berkala dan diperbarui jika memiliki ekspektasi premises and equipment are reviewed periodically
yang berbeda dari perkiraan sebelumnya, karena and are updated if expectations differ from
kerusakan secara fisik dan teknis, atau keusangan previous estimates due to physical wear and tear,
secara komersial dan legal atau batasan lainnya technical or commercial obsolescence and legal or
atas penggunaan aset tersebut. Selain hal other limits on the use of the assets. In addition,
tersebut, estimasi masa manfaat dari aset tetap estimation of the useful lives of premises and
didasarkan pada penilaian secara kolektif dengan equipment is based on collective assessment of
menggunakan praktik industri, teknik evaluasi industry practice, internal technical evaluation and
internal dan pengalaman dengan aset serupa. experience with similar assets. It is possible,
Tetap dimungkinkan, bagaimanapun, bahwa hasil however, that future results of operations could be
masa depan dapat secara material dipengaruhi materially affected by changes in estimates
oleh perubahan estimasi yang disebabkan oleh brought about by changes in factors mentioned
perubahan faktor-faktor tersebut di atas. Jumlah above. The amounts and timing of recorded
dan saat pencatatan biaya untuk setiap periode expenses for any period would be affected by
akan dipengaruhi oleh perubahan dari faktor dan changes in these factors and circumstances. A
keadaan saat pencatatan. Pengurangan taksiran reduction in the estimated useful lives of premises
masa manfaat dari aset tetap akan meningkatkan and equipment would increase the recorded
beban operasional yang diakui. operating expenses.
71

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-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
690 '$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6
&$7$7$1$7$6/$325$1.(8$1*$1 127(6727+(&2162/,'$7('),1$1&,$/
.2162/,'$6,$1 67$7(0(176

3(1,/$,$1'$1(67,0$6,$.817$16,<$1* 6,*1,),&$17 $&&2817,1* -8'*0(176 $1'

Penurunan nilai aset non keuangan Impairment of non-financial assets
Bank dan entitas anak mengevaluasi penurunan The Bank and subsidiaries assess impairment on
nilai aset apabila terdapat kejadian atau assets whenever events or changes in
perubahan keadaan yang mengindikasikan circumstances indicate that the carrying amount of
bahwa nilai tercatat aset tidak dapat dipulihkan an asset may not be recoverable. The factors that
kembali. Faktor-faktor penting yang dapat which could trigger an impairment review include
menyebabkan penelaahan penurunan nilai the following:
a) Kinerja yang rendah secara signifikan jika a) significant underperformance relative to

dibandingkan dengan ekspektasi dari hasil expected historical or projected future
operasi historis maupun proyeksi hasil operating results;
operasi di masa yang akan datang;
b) perubahan yang signifikan dalam cara b) significant changes in the manner of use of the
penggunaan aset atau strategi bisnis secara acquired assets or the strategy for overall
keseluruhan; dan business; and
c) Industri atau tren ekonomi yang secara c) significant negative industry or economic
signifikan bernilai negatif. trends.
Bank dan entitas anak mengakui kerugian The Bank and subsidiaries recognize an
penurunan nilai apabila nilai tercatat aset melebihi impairment loss whenever the carrying amount of
nilai yang dapat dipulihkan. Jumlah terpulihkan an asset exceeds its recoverable amount. The
adalah nilai yang lebih tinggi antara nilai wajar recoverable amount is the higher of an asset’s (or
dikurang biaya untuk menjual dengan nilai pakai Cash Generating Unit’s) fair value less costs to sell
aset (atau unit penghasil kas). and its value in use.
Jumlah terpulihkan diestimasi untuk aset individual Recoverable amounts are estimated for individual
atau, jika tidak memungkinkan, untuk unit assets or, if it is not possible, for the Cash
penghasil kas yang mana aset tersebut Generating Unit to which the asset belongs.
merupakan bagian daripada unit tersebut.
Pengakuan aset pajak tangguhan Recognition of deferred tax assets
Aset pajak tangguhan diakui untuk seluruh saldo Deferred tax assets are recognized for all unused
rugi fiskal yang belum digunakan sejauh terdapat tax losses and credits to the extent that it is
kemungkinan bahwa saldo rugi tersebut dapat probable that taxable income will be available
dikompensasikan terhadap penghasilan kena against which the losses can be utilized.
pajak di masa yang akan datang. Pertimbangan Significant management judgment is required to
manajemen yang signifikan diperlukan untuk determine the amount of deferred tax assets that
menentukan jumlah aset pajak tangguhan yang can be recognized, based upon the likely timing
dapat diakui, sesuai dengan saat dan jumlah and level of future taxable income together with
penghasilan kena pajak di masa mendatang future tax planning strategies.
seiring dengan strategi perencanaan pajak.
72

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-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
'$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6 691
&$7$7$1$7$6/$325$1.(8$1*$1 127(6727+(&2162/,'$7('),1$1&,$/
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Pengakuan aset pajak tangguhan (lanjutan) Recognition of deferred tax assets (continued)
Bank dan entitas anak menelaah aset pajak The Bank and subsidiaries review their deferred
tangguhan pada setiap tanggal laporan posisi tax assets at each consolidated statement of
keuangan konsolidasian dan mengurangi jumlah financial position date and reduce the carrying
tercatat dalam hal tidak adanya lagi kemungkinan amount to the extent that it is no longer probable
bahwa penghasilan kena pajak yang cukup akan that sufficient taxable income will be available to
tersedia untuk mengkompensasi sebagian atau allow all or part of the deferred tax assets to be
seluruh aset pajak tangguhan. utilized.
Nilai kini atas kewajiban pensiun Present value of retirement obligation
Biaya atas program pensiun dan imbalan pasca The cost of defined retirement pension plan and
kerja lainnya ditentukan dengan perhitungan other post employment benefits is determined
aktuaris. Perhitungan aktuaris melibatkan using actuarial valuations. The actuarial valuation
penggunaan asumsi mengenai tingkat diskonto, involves making assumptions about discount rates,
tingkat pengembalian yang diharapkan dari aset, expected rates of return on assets, future salary
kenaikan gaji di masa depan, tingkat kematian dan increases, mortality rates and disability rate. Due
tingkat kecacatan. Karena program tersebut to the long-term nature of these plans, such
memiliki sifat jangka panjang, maka perkiraan estimates are subject to significant uncertainty.
tersebut memiliki ketidakpastian yang signifikan.
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Dolar Amerika Serikat 462.049 5.723 1.132.185 13.779 United States Dollar
Dolar Singapura 92.556 868 89.168 858 Singapore Dollar
Euro Eropa 21.750 327 19.140 321 European Euro
Dolar Australia 14.420 146 12.550 136 Australian Dollar
Riyal Saudi Arabia 35.157 116 42.004 136 Saudi Arabian Riyal
Yen Jepang 413.000 43 266.000 31 Japanese Yen
Poundsterling Inggris 915 18 1.620 32 Great Britain Poundsterling
Yuan China 3.100 6 8.400 17 China Yuan
Dolar Hong Kong 1.960 3 5.750 9 Hong Kong Dollar
7.250 15.319
7RWDO 7RWDO
Saldo dalam mata uang Rupiah termasuk uang The Rupiah balance includes cash in ATMs
pada Anjungan Tunai Mandiri (ATM) sebesar (Automatic Teller Machines) of Rp231,814 and
Rp231.814 dan Rp247.958 masing-masing pada Rp247,958, as of December 31, 2014 and 2013,
tanggal 31 Desember 2014 dan 2013. respectively.
73

37%$1.3(0%$1*81$1'$(5$+ 37%$1.3(0%$1*81$1'$(5$+
-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
692 '$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6
&$7$7$1$7$6/$325$1.(8$1*$1 127(6727+(&2162/,'$7('),1$1&,$/
.2162/,'$6,$1 67$7(0(176

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Rupiah 5.121.962 4.412.730 Rupiah

Dolar Amerika Serikat 4.520.000 55.980 3.400.000 41.378 United States Dollar
7RWDO 7RWDO
Dalam giro pada Bank Indonesia termasuk giro Current accounts with Bank Indonesia include
yang didasarkan pada prinsip perbankan syariah current accounts based on sharia banking
sebesar Rp 208.290 dan Rp129.494, masing- principles amounted to Rp 208,290 and
masing pada tanggal 31 Desember 2014 dan 2013. Rp129,494, as of December 31, 2014 and 2013,
respectively.
Rasio Giro Wajib Minimum (GWM) Bank (tidak The minimum statutory reserves ratio (GWM) of
diaudit) pada tanggal 31 Desember 2014 dan 2013 the Bank (unaudited) are as follows:

Rupiah Rupiah
Utama 8,17% 8,04% Primary
Sekunder 6,78% 10,49% Secondary
Dolar Amerika Serikat 10,50% 8,41% United States Dollar
Syariah - Rupiah 5,01% 5,01% Sharia- Rupiah
Rasio GWM pada tanggal-tanggal 31 Desember The calculation of the GWM ratios as of
2014 dan 2013 dihitung berdasarkan Peraturan December 31, 2014 and 2013 is based on Bank
Bank Indonesia (PBI) No. 15/15/2013 tanggal Indonesia’s regulation (PBI) No. 15/15/2013 dated
24 Desember 2013 tentang “Giro Wajib Minimum December 24, 2013, regarding “Reserve
Bank Umum dalam Rupiah dan Valuta Asing bagi Requirement in Rupiah and Foreign Currencies for
Bank Umum Konvensional”. Conventional Commercial Banks”.
Pada tanggal-tanggal 31 Desember 2014 dan As of December 31, 2014 and 2013, based on the
2013, sesuai dengan ketentuan Bank Indonesia above Bank Indonesia regulations, Bank is
tersebut di atas, Bank harus memenuhi required to maintain primary GWM both in Rupiah
persyaratan GWM Utama dalam Rupiah dan mata and in foreign currencies of 8%. Bank is also
uang asing masing-masing sebesar 8% dan GWM required to maintain secondary GWM in Rupiah of
Sekunder masing-masing adalah sebesar 4% 4% as of December 31, 2014 and 2013,
dalam Rupiah. Sedangkan rasio GWM respectively. Whereas the calculation of the GWM
berdasarkan prinsip syariah pada tanggal-tanggal ratios based on sharia principle as of December
31 Desember 2014 dan 2013 dihitung berdasarkan 31, 2014 and 2013 is based on Bank Indonesia’s
Peraturan Bank Indonesia (PBI) No. regulation (PBI) No. 15/16/PBI/2013 dated
15/16/PBI/2013 tanggal 24 Desember 2013 tentang December 24, 2013, regarding “Reserve
“Giro Wajib Minimum dalam Rupiah dan Valuta Requirement in Rupiah and Foreign Currencies for
Asing bagi Bank Umum Syariah dan Unit Usaha Sharia Banks and Sharia Business Units”.
Syariah”.
Pada tanggal-tanggal 31 Desember 2014 dan As of December 31, 2014 and 2013, based on the
2013, sesuai dengan ketentuan Bank Indonesia above Bank Indonesia regulations, based on
tersebut di atas, berdasarkan prinsip syariah Bank sharia principle, Bank is required to maintain GWM
harus memenuhi persyaratan GWM dalam Rupiah both in Rupiah and in foreign currencies of 5% and
dan mata uang asing masing-masing sebesar 5% 1%, respectively.
dan 1%.
74

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-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
'$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6 693
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Bank telah memenuhi ketentuan Bank Indonesia The Bank has complied with Bank Indonesia
tentang Giro Wajib Minimum. regulations concerning the minimum reserve
requirements.
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5XSLDK 44.138 36.490 5XSLDK
Euro Eropa 628.761 9.465 1.509.284 25.295 European Euro
Dolar Singapura 740.386 6.942 1.174.544 11.302 Singapore Dollar
Yuan Cina 1.471.877 2.938 280.434 563 Chinese Yuan
Dolar Australia 248.218 2.519 193.225 2.098 Australian Dollar
Dolar Hong Kong 582.382 930 588.482 924 Hong Kong Dollar
Poundsterling Inggris 29.384 567 70.131 1.410 Great Britain Poundsterling
Yen Jepang 640.326 66 519.647 60 Japanese Yen
84.466 140.489
Total 128.604 176.979 Total
Cadangan kerugian Allowance for
penurunan nilai (62) (91) impairment losses
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5XSLDK 44.138 36.490 5XSLDK
Euro Eropa 9.465 25.295 European Euro
Dolar Singapura 6.942 11.302 Singapore Dollar
Yuan Cina 2.938 563 Chinese Yuan
Dolar Australia 2.519 2.098 Australian Dollar
Dolar Hong Kong 930 924 Hong Kong Dollar
Poundsterling Inggris 567 1.410 Great Britain Poundsterling
Yen Jepang 66 60 Japanese Yen
84.466 140.489
Total 128.604 176.979 Total

Cadangan kerugian Allowance
penurunan nilai (62) (91) for impairment losses
1HWR 1HW

75

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PT BPD Lampung 2.281 160 PT BPD Lampung
PT BPD Jawa Tengah 1.113 497 PT BPD Jawa Tengah
PT BPD Sumatera Utara 400 - PT BPD Sumatera Utara
PT BPD Jawa Timur 335 1.251 PT BPD Jawa Timur
PT BPD Kalimatan Selatan 116 504 PT BPD Kalimatan Selatan
PT BPD DKI 18 18 PT BPD DKI
PT BPD Sulawesi Selatan 5 6 PT BPD Sulawesi Selatan
PT BPD Bali 5 5 PT BPD Bali
PT BPD Kalimantan Timur 2 2 PT BPD Kalimantan Timur
PT BPD Riau 2 2 PT BPD Riau
PT BPD Sulawesi Utara 1 1 PT BPD Sulawesi Utara
PT BPD Sumsel dan Babel 1 1 PT BPD Sumsel dan Babel
4.279 2.447
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PT Bank Central Asia Tbk 32.089 29.422 PT Bank Central Asia Tbk
PT Bank Rakyat Indonesia PT Bank Rakyat Indonesia
(Persero) Tbk 3.998 1.822 (Persero) Tbk
PT Bank Negara Indonesia PT Bank Negara Indonesia
(Persero) Tbk 1.025 892 (Persero) Tbk
PT Bank CIMB Niaga Tbk 934 570 PT Bank CIMB Niaga Tbk
PT Bank OCBC NISP Tbk 502 296 PT Bank OCBC NISP Tbk
PT Bank Mandiri (Persero) Tbk 349 246 PT Bank Mandiri (Persero) Tbk
PT Bank Sahabat Sampoerna 290 - PT Bank Sahabat Sampoerna
PT Bank Andara 259 152 PT Bank Andara
PT Bank Danamon Indonesia Tbk 200 628 PT Bank Danamon Indonesia Tbk
PT Bank Himpunan PT Bank Himpunan
Saudara 1906 Tbk 111 15 Saudara 1906Tbk
PT Bank Tabungan Pensiunan PT Bank Tabungan Pensiunan
Nasional Tbk 102 - Nasional Tbk
39.859 34.043
44.138 36.490
(Persero) Tbk 22.680 3.568 (Persero) Tbk
PT Bank Central Asia Tbk 12.962 8.231 PT Bank Central Asia Tbk
Overseas-Chinese Banking Overseas-Chinese Banking
Corporation, Singapura 12.572 11.302 Corporation, Singapore
Standard Chartered Bank, Standard Chartered Bank,
Frankfurt 8.718 20.413 Frankfurt
New York 8.187 11.532 New York
Hong kong 6.942 799 Hongkong
PT Bank Mandiri (Persero) Tbk 4.638 9.557 PT Bank Mandiri (Persero) Tbk
Industrial and Commercial Bank Industrial and Commercial Bank
Of China 2.938 563 Of China
Commerzbank, Frankfurt 1.347 6.326 Commerzbank, Frankfurt
Australia and New Zealand Bank, Australia and New Zealand Bank,
Melbourne 1.813 1.832 Melbourne
Citibank, New York 835 55.210 Citibank, New York
National Australian Bank Ltd 706 266 National Australian Bank Ltd
Bank Of America - 10.739 Bank Of America
76

37%$1.3(0%$1*81$1'$(5$+ 37%$1.3(0%$1*81$1'$(5$+
-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
'$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6 695
&$7$7$1$7$6/$325$1.(8$1*$1 127(6727+(&2162/,'$7('),1$1&,$/
.2162/,'$6,$1 67$7(0(176

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FRQWLQXHG
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(Persero) Tbk, Tokyo 66 60 (Persero) Tbk, Tokyo
Indover Bank, Amsterdam 62 91 Indover Bank, Amsterdam
84.466 140.489
Total 128.604 176.979 Total
penurunan nilai (62) (91) for impairment losses
1HWR 1HW
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Rupiah 1,11% 1,56% Rupiah

Mata uang asing 0,00% 0,00% Foreign currencies
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Saldo awal 91 69 Beginning balance

Penyisihan (pembalikan) selama Provision (reversal)
tahun berjalan (29) 22 during the year
6DOGRDNKLU (QGLQJEDODQFH
Manajemen berpendapat bahwa jumlah Management believes that the above

cadangan kerugian penurunan nilai di atas allowance for impairment losses is adequate.
telah memadai.
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Kolektibilitas giro pada bank lain adalah The collectibility of current accounts with other
sebagai berikut: banks are as follows:
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Lancar 128.542 176.888 Current

Macet 62 91 Loss
Total 128.604 176.979 Total

Cadangan kerugian
1HWR 1HW
77

37%$1.3(0%$1*81$1'$(5$+ 37%$1.3(0%$1*81$1'$(5$+
-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
696 '$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6
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.2162/,'$6,$1 67$7(0(176

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Deposit Facility Deposit Facility
Bank Indonesia 1.741.722 986.843 Bank Indonesia
Bank Indonesia Syariah 988.600 681.400 Bank Indonesia Syariah
Call Money 1.625.000 840.000 Call Money
Deposito berjangka 310.261 41.010 Time Deposits
Tabungan 7.323 4.047 Savings
Lainnya 29.432 76.037 Others
4.702.338 2.629.337
Deposit Facility 5.000.000 61.925 - Deposit Facility
4.764.263 2.629.337
penurunan nilai (3.154) (352) impairment losses
1HWR 1HW
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1 bulan 4.464.263 2.568.165 1 month

> 1 bulan 3 bulan 300.000 42.120 > 1 month 3 months
> 3 bulan 6 bulan - 19.052 > 3 months 6 months
Total 4.764.263 2.629.337 Total

Cadangan kerugian
penurunan nilai (3.154) (352) Allowance for impairment losses
1HWR 1HW
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Call money 1.625.000 840.000 Call money
Deposito berjangka 310.261 41.010 Time deposits
4.702.338 2.629.337
78

37%$1.3(0%$1*81$1'$(5$+ 37%$1.3(0%$1*81$1'$(5$+
-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
'$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6 697
&$7$7$1$7$6/$325$1.(8$1*$1 127(6727+(&2162/,'$7('),1$1&,$/
.2162/,'$6,$1 67$7(0(176

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Deposit Facility 61.925 - Deposit Facility
Total 4.764.263 2.629.337 Total
penurunan nilai (3.154) (352) for impairment losses
1HWR 1HW
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Call Money Call Money
PT Bank Bukopin Tbk 300.000 - PT Bank Bukopin Tbk
PT BPD Kalimantan Timur 230.000 200.000 PT BPD Kalimantan Timur
PT Bank Pan Indonesia Tbk 230.000 - PT Bank Pan Indonesia Tbk
PT BPD Aceh 125.000 - PT BPD Aceh
PT BPD DKI Jakarta 125.000 40.000 PT BPD DKI Jakarta
PT BPD Jawa Tengah 100.000 100.000 PT BPD Jawa Tengah
PT BPD Nagari 100.000 - PT BPD Nagari
PT BPD Riau 100.000 100.000 PT BPD Riau
PT Bank OCBC NISP Tbk 70.000 - PT Bank OCBC NISP Tbk
PT BPD Maluku 50.000 - PT BPD Maluku
PT BPD Jambi 40.000 - PT BPD Jambi
PT BPD Kalimantan Selatan 40.000 50.000 PT BPD Kalimantan Selatan
PT BPD Lampung 30.000 30.000 PT BPD Lampung
PT BPD Bengkulu 20.000 20.000 PT BPD Bengkulu
PT BPD Sumatera Utara - 100.000 PT BPD Sumatera Utara
PT BPD Sumatera Selatan - 75.000 PT BPD Sumatera Selatan
PT BPD Nusa Tenggara Timur - 75.000 PT BPD Nusa Tenggara Timur
PT BPD Sulawesi Utara - 50.000 PT BPD Sulawesi Utara
PT BPD Sulawesi Tenggara 50.000 - PT BPD Sulawesi Tenggara
PT BPD Sulawesi Tengah 15.000 - PT BPD Sulawesi Tengah
1.625.000 840.000
Deposito berjangka Time deposits
PT Bank Danamon Indonesia Tbk 102.000 - PT Bank Danamon IndonesiaTbk
PT Bank OCBC NISP Tbk 95.000 25.000 PT Bank OCBC NISP Tbk
PT Bank BNI Syariah 73.000 - PT Bank BNI Syariah
PT BPD Jawa Tengah 30.000 - PT BPD Jawa Tengah
PT Bank CIMB Niaga Tbk 3.780 2.729 PT Bank CIMB Niaga Tbk
PT Bank Andara 3.000 3.300 PT Bank Andara
PT Bank Mandiri (Persero) Tbk 1.295 - PT Bank Mandiri (Persero) Tbk
PT Bank Mega Tbk 1.000 - PT Bank Mega Tbk
PT Bank Himpunan PT Bank Himpunan
Saudara 1906 Tbk 1.000 - Saudara1906 Tbk
(Persero) Tbk 111 106 (Persero) Tbk
PT Bank Sahabat Sampoerna 75 - PT Bank Sahabat Sampoerna
79

37%$1.3(0%$1*81$1'$(5$+ 37%$1.3(0%$1*81$1'$(5$+
-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
698 '$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6
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Deposito berjangka (lanjutan) Time deposits (continued)
PT BPD Sumatera Selatan - 8.000 PT BPD Sumatera Selatan
PD BPR Kota Bandung - 1.000 PD BPR Kota Bandung
PT BPRS Mentari - 400 PT BPRS Mentari
PT Bank Muamalat Indonesia Tbk - 475 PT Bank Muamalat Indonesia Tbk
310.261 41.010
Tabungan Savings
PD PK Garut 2.000 - PD PK Garut
PT Bank Rakyat Indonesia PT Bank Rakyat Indonesia
Persero) Tbk 567 250 (Persero) Tbk
PT Bank Pan Indonesia Tbk 229 408 PT Bank Pan Indonesia Tbk
PT Bank Muamalat Indonesia Tbk 161 150 PT Bank Muamalat Indonesia Tbk
PT BPR Karyajatnika Sadaya 21 21 PT BPR Karyajatnika Sadaya
PT Bank Mega Tbk 2 - PT Bank Mega Tbk
7.323 4.047
4.702.338 2.629.337
Deposit Facility 61.925 - Deposit Facility
4.764.263 2.629.337
penurunan nilai (3.154) (352) for impairment losses
1HWR 1HW
Dalam penempatan pada Bank Indonesia dan As of December 31, 2014 and 2013,
bank lain termasuk penempatan yang placements with Bank Indonesia and other
didasarkan pada prinsip perbankan syariah banks include placements based on sharia
dengan nilai tercatat sebesar Rp1.288.600 dan banking principles with carrying amounts of
Rp706.400 masing-masing pada tanggal Rp1,288,600 and Rp706,400, respectively.
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Saldo awal 352 2.111 Beginning balance
Penyisihan (pembalikan)
selama tahun berjalan 2.802 (1.759) Provision (reversal) during the year
80

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cadangan kerugian penurunan nilai di atas allowance for impairment losses is adequate.
telah memadai.
g. Informasi mengenai klasifikasi aset keuangan g. Information with respect to classification of

yang mengalami penurunan nilai dan tidak impaired and not impaired of financial assets
mengalami penurunan nilai diungkapkan pada are disclosed in Note 46.
Catatan 46.
h. Kisaran tingkat suku bunga per tahun untuk h. The range of interest rates per annum for
penempatan pada Bank Indonesia dan bank placements with Bank Indonesia and other
lain diungkapkan pada Catatan 49. banks are disclosed in Note 49.
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Pada tanggal 31 Desember 2013, transaksi As of December 31, 2013, transaction of

tagihan dan liabilitas derivatif adalah sebagai derivatives receivable and payable are follows:
berikut:
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Dolar Amerika Serikat 7.395 - 90 United Stated Dollar
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Pihak ketiga - 90 Third parties
81

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-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
700 '$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6
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Obligasi 2.377.902 3.733.635 Bonds
Sertifikat Deposito Bank Indonesia 2.250.000 2.500.000 Deposit Certificates of Bank Indonesia
Sertifikat Bank Indonesia 1.784.157 3.351.494 Certificates of Bank Indonesia
Sukuk 857 8.428 Sukuk
6.412.916 9.593.557
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Reksadana 454.823 281.261 Mutual funds
Obligasi 257.632 416.992 Bonds
712.455 698.253
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Bank Indonesia 4.034.157 5.851.494 Bank Indonesia
Perusahaan non-bank Non-bank companies

PT BNI Asset Management 286.108 289.095 PT BNI Asset Management
PT GAP Capital 88.942 77.237 PT GAP Capital
PT Perum Pegadaian (Persero) Tbk 60.000 60.000 PT Perum Pegadaian (Persero) Tbk
PT Mandiri Manajemen Investasi 54.545 50.660 PT Mandiri Manajemen Investasi
PT Danareksa (Persero) 30.000 15.000 PT Danareksa (Persero)
PT Bahana TCW Investment Management 25.228 - PT Bahana TCW Investment Management
PT Indosat Tbk 25.000 25.000 PT Indosat Tbk
PT Permodalan Nasional PT Permodalan Nasional
Madani (Persero) 20.000 20.000 Madani (Persero)
PT Aneka Tambang (Persero) Tbk 15.000 15.000 PT Aneka Tambang (Persero) Tbk
PT Jasa Marga (Persero) Tbk 10.000 35.000 PT Jasa Marga (Persero) Tbk
Lembaga Pembiayaan Ekspor Indonesia - 50.000 Lembaga Pembiayaan Ekspor Indonesia
PT PLN (Persero) - 7.000 PT PLN (Persero)
614.823 643.992
Bank Banks
PT Bank OCBC NISP Tbk 59.982 79.990 PT Bank OCBC NISP Tbk
PT Bank Tabungan Negara PT Bank Tabungan Negara
(Persero) Tbk 47.138 - (Persero) Tbk
Nasional Tbk 49.988 35.170 Nasional Tbk
PT BPD Sumatera Barat 40.000 40.000 PT BPD Sumatera Barat
PT Bank Pan Indonesia Tbk 29.543 45.583 PT Bank Pan Indonesia Tbk
PT BPD Lampung 30.000 30.000 PT BPD Lampung
PT Bank Danamon Indonesia Tbk 35.072 20.117 PT Bank Danamon Indonesia Tbk
PT Bank Permata Tbk 30.000 30.000 PT Bank Permata Tbk
PT Bank Rakyat Indonesia Tbk 25.000 - PT Bank Rakyat Indonesia Tbk
82

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Bank (lanjutan) Banks (continued)

PT BPD Sulawesi Utara 20.105 20.506 PT BPD Sulawesi Utara
PT BPD Sumatera Utara 15.000 15.000 PT BPD Sumatera Utara
PT BPD Riau 12.000 12.000 PT BPD Riau
PT Bank Internasional PT Bank Internasional
Indonesia Tbk 4.966 24.872 Indonesia Tbk
PT BPD Sulawesi Selatan 2.020 10.009 PT BPD Sulawesi Selatan
PT BPD DKI - 24.000 PT BPD DKI
PT BPD NTT - 15.000 PT BPD NTT
425.814 452.247
Pemerintah 2.050.577 3.344.077 Government
7RWDO 7RWDO
Peringkat obligasi berdasarkan hasil The bond ratings based on the result of rating
pemeringkatan oleh PT Pemeringkat Efek by PT Pemeringkat Efek Indonesia (Pefindo)
Indonesia (Pefindo) dan Fitch Rating pada and Fitch Rating as of December 31, 2014
tanggal-tanggal 31 Desember 2014 dan 2013 and 2013 are as follows:
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PT Bank Danamon Indonesia Tbk AAA AA+ PT Bank Danamon Indonesia Tbk
PT Pegadaian (Persero) AA+ AA+ PT Pegadaian (Persero)
PT Bank Pan Indonesia Tbk AA AA PT Bank Pan Indonesia Tbk
PT BPD DKI - A+ PT BPD DKI
PT Danareksa (Persero) A A PT Danareksa (Persero)
PT BPD Sulawesi Utara A- A- PT BPD Sulawesi Utara
PT BPD Lampung A- A- PT BPD Lampung
PT BPD Sumatera Utara A A+ PT BPD Sumatera Utara
PT BPD NTT - A- PT BPD NTT
PT BPD Riau A A PT BPD Riau
Lembaga Pembiayaan Ekspor Indonesia - AAA Lembaga Pembiayaan Ekspor Indonesia
PT BPD Sumatera Barat A A PT BPD Sumatera Barat
PT BPD Sulawesi Selatan A A PT BPD Sulawesi Selatan
PT Bank CIMB Niaga Tbk AAA AAA PT Bank CIMB Niaga Tbk
PT Aneka Tambang (Persero) Tbk A AA- PT Aneka Tambang (Persero) Tbk
PT Indosat Tbk AAA AA+ PT Indosat Tbk
Nasional Tbk AA AA- Nasional Tbk
PT Permodalan Nasional PT Permodalan Nasional
Madani (Persero) A A Madani (Persero)
PT Bank OCBC NISP Tbk AAA AAA PT Bank OCBC NISP Tbk
PT Bank Internasional Indonesia Tbk AA+ AAA PT Bank Internasional Indonesia Tbk
PT Bank Permata Tbk AAA AA+ PT Bank Permata Tbk
PT PLN (Persero) - AAA PT PLN (Persero)
PT Jasa Marga (Persero) Tbk AA AA PT Jasa Marga (Persero) Tbk
PT Bank Rakyat Indonesia (Persero) Tbk AAA - PT Bank Rakyat Indonesia Tbk
PT Bank Tabungan Negara (Persero) Tbk AA - PT Bank Tabungan Negara (Persero) Tbk
83

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-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
702 '$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6
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Kurang dari 1 tahun 5.769.710 8.845.305 Less than 1 year
1 - 5 tahun 1.100.739 1.169.113 1 - 5 years
Lebih dari 5 - 10 tahun 4.854 45.000 More than 5 - 10 years
Lebih dari 10 - 15 tahun 250.068 232.392 More than 10 - 15 years
7RWDO 7RWDO
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Sertifikat Deposito Bank Indonesia 2.202.019 2.471.389 Deposit Certificates of Bank Indonesia
Sertifikat Bank Indonesia 1.832.138 3.380.104 Certificates of Bank Indonesia
Surat Utang Negara 816.577 1.266.292 Government Bonds
Sukuk 495.777 124.240 Sukuk
Obligasi Ritel Indonesia 466.043 813.068 Indonesia Ritel Bonds
Surat Perbendaharaan Negara 272.180 1.135.624 Government Treasury Bills
Surat Berharga Syariah Negara - 4.854 Sharia Government Securities
6.084.734 9.195.571
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Obligasi 585.814 679.247 Bonds
Reksadana 454.823 416.992 Mutual funds
1.040.637 1.096.239
7RWDO 7RWDO

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f. Manajemen berpendapat bahwa cadangan f. Management believes that the allowance for
kerugian penurunan nilai tidak diperlukan impairment losses is not necessary because
karena pada tanggal 31 Desember 2014 dan as of December 31, 2014 and 2013,
2013, surat berharga tidak mengalami marketable securities are not impaired.
penurunan nilai.

g. Bank mengakui keuntungan yang belum g. The Bank unrealized gain - net from the
direalisasi-neto dari kenaikan nilai surat increase in value of fair value securities
berharga untuk nilai wajar melalui laba rugi amounting to Rp67,934 for the years ended
sebesar Rp67.934 untuk tahun yang berakhir December 31, 2014 which is presented in the
pada tanggal 31 Desember 2014, yang statement of comprehensive income as
disajikan dalam akun “Keuntungan yang belum “Unrealized gain on changes in fair value of
direalisasi dari perubahan nilai wajar surat securities - net”.
berharga - neto” di laporan laba rugi
komprehensif.

84

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&$7$7$1$7$6/$325$1.(8$1*$1 127(6727+(&2162/,'$7('),1$1&,$/
.2162/,'$6,$1 67$7(0(176

h. Bank mengakui kerugian yang belum h. The Bank unrealized loss - net from the
direalisasi-neto dari penurunan nilai surat decrease in value of fair value through profit or
berharga untuk nilai wajar melalui laba rugi loss securities amounting to Rp56,585 for the
sebesar Rp56.585 untuk tahun yang berakhir years ended December 31, 2013 which is
pada tanggal 31 Desember 2013, yang presented in the statement of comprehensive
disajikan dalam akun “Kerugian yang belum income as “Unrealized loss on changes in fair
direalisasi dari perubahan nilai wajar surat value of securities - net”.
berharga - neto” di laporan laba rugi
komprehensif.
()(.()(. <$1* ',%(/, '(1*$1 -$1-, 0$5.(7$%/( 6(&85,7,(6 385&+$6('

',-8$/.(0%$/, 81'(5$*5((0(176725(6(//
Efek-efek yang dibeli dengan janji dijual kembali Marketable securities purchased under agreements
pada tanggal 31 Desember 2014 adalah sebagai to resell as of December 31, 2014 are as follows:
berikut:

'HVHPEHU'HFHPEHU
3HQGDSDWDQ%XQJD
7DQJJDO \DQJ%HOXP
-HQLV6XUDW -XDO +DUJD-XDO 'LDPRUWLVDVL
%HUKDUJD 1LODL1RPLQDO 7DQJJDO'LPXODL .HPEDOL .HPEDOL 8QDPRUWL]HG 1LODL7HUFDWDW
7\SHRI 1RPLQDO &RPPHQFHPHQW 5HVHOO 5HVHOO ,QWHUHVW &DUU\LQJ
&RXQWHUSDUW 6HFXULWLHV $PRXQW 'DWH 'DWH 3ULFH ,QFRPH 9DOXH

37%DQN5DN\DW,QGRQHVLD
3HUVHUR7EN
IDSD16011591S 200.000 24 Des / 7 Jan / 189.684 197 189.487
Dec 24, 2014 Jan 7, 2015
IDSD16011591S 200.000 24 Des / 7 Jan / 189.684 197 189.487

Dec 24, 2014 Jan 07, 2015
IDSD16011591S 200.000 24 Des / 7 Jan / 189.684 197 189.487

Dec 24, 2014 Jan 07, 2015
7RWDO

:(6(/(.6325'$17$*,+$1/$,11<$ %,//6$1'27+(55(&(,9$%/(6
D %HUGDVDUNDQ MHQLV PDWD XDQJ GDQ D %\W\SHFXUUHQF\DQGUHODWLRQVKLS

KXEXQJDQ
'HVHPEHU 'HVHPEHU
'HFHPEHU 'HFHPEHU
5XSLDK 5XSLDK
Surat Keterangan Berdokumen Domestic Documentary
Dalam Negeri (SKBDN) 1.901 21.153 Letters of Credit
Wesel Ekspor 17.654 23.568 LC Export
7RWDO 7RWDO
85

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-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
704 '$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6
&$7$7$1$7$6/$325$1.(8$1*$1 127(6727+(&2162/,'$7('),1$1&,$/
.2162/,'$6,$1 67$7(0(176

:(6(/ (.6325 '$1 7$*,+$1 /$,11<$ %,//6$1'27+(55(&(,9$%/(6FRQWLQXHG

ODQMXWDQ
D %HUGDVDUNDQ MHQLV PDWD XDQJ GDQ D %\ W\SH FXUUHQF\ DQG UHODWLRQVKLS
KXEXQJDQODQMXWDQ FRQWLQXHG
Perincian wesel ekspor dan tagihan lainnya Bills and other receivables based on
berdasarkan mata uang adalah sebagai berikut currencies are as follows (continued):
(lanjutan):

5XSLDK 1.901 21.153 5XSLDK

7RWDO 7RWDO
E %HUGDVDUNDQNROHNWLELOLWDV E %\FROOHFWLELOLW\
Seluruh wesel ekspor dan tagihan lainnya All bills and other receivables as of December
diklasifikasikan lancar pada tanggal-tanggal 31, 2014 and 2013, are classified as current.
F 7LQJNDWVXNXEXQJDUDWDUDWDSHUWDKXQ F $YHUDJHLQWHUHVWUDWHVSHUDQQXP


Informasi mengenai jatuh tempo wesel ekspor dan Information with respect to maturities of bills and
tagihan lainnya diungkapkan pada Catatan 48. other receivables is disclosed in Note 48.
86

37%$1.3(0%$1*81$1'$(5$+ 37%$1.3(0%$1*81$1'$(5$+
-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
'$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6 705
&$7$7$1$7$6/$325$1.(8$1*$1 127(6727+(&2162/,'$7('),1$1&,$/
.2162/,'$6,$1 67$7(0(176

.5(',7<$1*',%(5,.$1 /2$16
D %HUGDVDUNDQ MHQLV PDWD XDQJ GDQ D %\W\SHFXUUHQF\DQGFROOHFWLELOLW\

NROHNWLELOLWDV

LQIRUHLJQ LQIRUHLJQ
FXUUHQF\ (NXLYDOHQ FXUUHQF\ (NXLYDOHQ
3LKDNSLKDNEHUHODVL 5HODWHGSDUWLHV

5XSLDK 5XSLDK
Modal kerja 569.605 664.344 Working capital
Sindikasi 244.616 210.978 Syndicated
Karyawan 24.995 265 Employees
Konsumsi 17.748 32.003 Consumer
Investasi 13.892 17.864 Investment
Program pemerintah - 1.081 Government programs
870.856 926.535
'RODU$PHULND6HULNDW 8QLWHG6WDWHV'ROODU
Modal kerja 179.790 2.227 246.001 2.994 Working capital
873.083 929.529

5XSLDK 5XSLDK
Konsumsi 35.936.364 32.029.181 Consumer
Modal kerja 7.297.756 8.342.322 Working capital
Investasi 1.883.442 1.743.665 Investment
Program pemerintah 1.957.614 809.329 Government programs
Sindikasi 1.022.678 824.906 Syndicated
Karyawan 478.230 390.003 Employees
48.576.084 44.139.406
Modal kerja 12.336.166 152.783 18.055.825 219.739 Working capital
Investasi 1.214.985 15.048 1.635.654 19.906 Investment
167.831 239.645
48.743.915 44.379.051
Total 49.616.998 45.308.580 Total

penurunan nilai (1.588.837) (1.019.520) for impairment losses
1HWR 1HW
Rincian kredit yang diberikan berdasarkan Loans based on collectibility are as follows:
kolektibilitas adalah sebagai berikut:
3RNRN &DGDQJDQ 3RNRN &DGDQJDQ

3ULQFLSDO $OORZDQFH 3ULQFLSDO $OORZDQFH
Individual 950.169 524.999 481.502 332.295 Individual

Kolektif Collective
Lancar 45.954.864 10.630 42.327.321 10.448 Current
Dalam perhatian khusus 1.491.308 23.795 1.596.501 2.039 Special mention
Kurang lancar 92.374 17.591 115.760 19.569 Substandard
Diragukan 154.995 44.074 173.381 44.527 Doubtful
Macet 973.288 967.748 614.115 610.642 Loss
7RWDO 7RWDO

87

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-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
706 '$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6
&$7$7$1$7$6/$325$1.(8$1*$1 127(6727+(&2162/,'$7('),1$1&,$/
.2162/,'$6,$1 67$7(0(176

.5(',7<$1*',%(5,.$1ODQMXWDQ /2$16FRQWLQXHG
E %HUGDVDUNDQVHNWRUHNRQRPL E %\HFRQRPLFVHFWRU

'HVHPEHU 'HVHPEHU
'HFHPEHU 'HFHPEHU
Perdagangan 3.800.279 4.717.611 Trading

Jasa-jasa dunia usaha 2.088.240 2.655.031 Business services
Konstruksi 2.579.707 1.933.505 Construction
Industri 1.509.229 1.292.551 Industry
Pertanian 868.838 1.013.849 Agriculture
Listrik,gas, dan air 283.745 301.569 Electricity,gas, and water
Pengangkutan dan pergudangan 221.626 247.898 Transportation and warehousing
Jasa-jasa sosial 181.889 237.025 Social services
Pertambangan 49.755 100.328 Mining
Lain-lain 38.033.690 32.809.213 Others
Total 49.616.998 45.308.580 Total

1HWR 1HW
Rincian kredit yang diberikan kepada sektor The details of loans granted to “Others” are as
ekonomi “Lain-lain” adalah sebagai berikut: follows:

'HVHPEHU 'HVHPEHU
'HFHPEHU 'HFHPEHU
Guna Bhakti 28.385.743 25.542.459 Guna Bhakti

Purna Bhakti 1.203.980 922.131 Purna Bhakti
Graha Bhakti 3.022 5.179 Graha Bhakti
Lain-lain 8.440.945 6.339.444 Others
7RWDO 7RWDO
% Kredit Guna Bhakti merupakan % Guna Bhakti loan is a loan facility granted
Pembiayaan yang diberikan oleh Bank to employees who have permanent income
untuk debitur berpenghasilan tetap yang for consumer purposes, whose salary has
gajinya telah disalurkan melalui Bank been channeled through the Bank and/or
dan/atau tempat debitur bekerja telah where the debtor works have had a
memiliki perjanjian kerjasama dengan cooperation agreement with the Bank
Bank dimana sumber pengembaliannya whereby returns are derived from sources
berasal dari gaji debitur yang digunakan that are used salary debtor for consumptive
untuk keperluan konsumtif. purposes.
% Kredit Purna Bhakti merupakan % The Purna Bhakti loan is financing

pembiayaan yang diberikan oleh Bank provided by the Bank to the debtor himself
untuk debitur dengan status pensiunan retired status or retired widow/widower
sendiri atau pensiunan janda/duda yang pension salary has been channeled
gaji pensiunnya telah disalurkan melalui through the Bank where the source of
Bank dimana sumber pengembaliannya repayment from the debtor's salary
berasal dari gaji pensiun debitur yang pensions used for consumptive purposes.
digunakan untuk keperluan konsumtif.
% Kredit Graha Bhakti merupakan fasilitas % The Graha Bhakti loan is a loan facility
kredit yang diberikan kepada para Pegawai granted to civil servants who have
Negeri Sipil berpenghasilan tetap untuk permanent income for the purpose of
keperluan pembangunan atau renovasi housing construction or renovation.
rumah.
88

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-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
'$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6 707
&$7$7$1$7$6/$325$1.(8$1*$1 127(6727+(&2162/,'$7('),1$1&,$/
.2162/,'$6,$1 67$7(0(176

E %HUGDVDUNDQVHNWRUHNRQRPLODQMXWDQ E %\HFRQRPLFVHFWRUFRQWLQXHG
% Pembayaran kredit tersebut di atas % Loan repayments are mostly collected

sebagian besar dilakukan melalui through monthly salary deduction by the
pemotongan gaji bulanan oleh Bank. Bank.
F %HUGDVDUNDQSHULRGHVLVDMDWXKWHPSR F %\UHPDLQLQJSHULRGWRPDWXULW\

5XSLDK 5XSLDK
Kurang dari atau
sama dengan 1 tahun 1.022.224 3.801.985 Less than or equal to 1 year
Lebih dari 1 - 5 tahun 8.776.728 13.518.718 More than 1 - 5 years
Lebih dari 10 tahun 13.427.203 9.929.856 More than 10 years
49.446.940 45.065.941
Kurang dari atau
sama dengan 1 tahun 478.923 5.932 12.078.681 146.998 Less than or equal to 1 year
Lebih dari 1 - 5 tahun 12.065.434 149.430 7.858.799 95.641 More than 1 - 5 years
Lebih dari 5 - 10 tahun 1.186.584 14.696 - More than 5 - 10 years
170.058 242.639
Total 49.616.998 45.308.580 Total

1HWR 1HW
G %HUGDVDUNDQMDQJNDZDNWXSHUMDQMLDQNUHGLW G %\WHUPRIFUHGLWDJUHHPHQWV

5XSLDK 5XSLDK
Kurang dari atau
sama dengan 1 tahun 3.855.573 927.427 Less than or equal to 1 year
Lebih dari 10 tahun 11.249.327 17.129.484 More than 10 years
49.446.940 45.065.941
Kurang dari atau
sama dengan 1 tahun 12.544.357 155.362 843.043 10.260 Less than or equal to 1 year
Lebih dari 1 - 5 tahun 1.186.584 14.696 19.094.437 232.379 More than 1 - 5 years
170.058 242.639
Total 49.616.998 45.308.580 Total

1HWR 1HW
89

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-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
708 '$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6
&$7$7$1$7$6/$325$1.(8$1*$1 127(6727+(&2162/,'$7('),1$1&,$/
.2162/,'$6,$1 67$7(0(176

H .LVDUDQVXNXEXQJD H 5DQJHRIORDQLQWHUHVWUDWHV

Rupiah 2% - 27% 3% - 27% Rupiah

Dolar Amerika Serikat 6% - 8% 6% - 8% United States Dollar
I .UHGLW QRQSHUIRUPLQJ EHUGDVDUNDQ VHNWRU I 1RQSHUIRUPLQJORDQVE\HFRQRPLFVHFWRU

HNRQRPL

&DGDQJDQ &DGDQJDQ
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5XSLDK 5XSLDK
Perdagangan 859.579 702.130 567.881 414.233 Trading
Jasa dunia usaha 257.668 183.601 197.495 136.284 Business services
Pertanian 167.873 150.402 127.737 110.746 Agriculture
Industri 158.260 144.590 123.169 105.526 Industry
Konstruksi 186.475 132.236 83.445 78.007 Construction
Jasa-jasa sosial 26.751 21.584 16.953 15.093 Social services
Pengangkutan dan Transportation and
pergudangan 146.502 12.869 7.334 6.816 warehousing
Pertambangan 6.660 6.630 5.520 5.398 Mining
Listrik, gas dan air 230 229 137 26 Electricity, gas and water
Lain-lain 252.267 188.362 152.782 118.276 Others
7RWDO 7RWDO
Rasio kredit yang diberikan non-performing Non-performing loans - gross to total loan
- kotor terhadap total kredit yang diberikan ratios (Bank Bjb, PD BPR LPK Garut Kota and
(Bank Bjb, PD BPR LPK Garut Kota dan PD PD BPR LPK Jalancagak) are 4.16% and
BPR LPK Jalancagak) adalah 4,16% dan 2.83% as of December 31, 2014 and 2013,
2,83% masing-masing pada tanggal 31 respectively.
Desember 2014 dan 2013.
Rasio kredit yang diberikan non-performing Non-performing loans - net to total loan ratios
- bersih terhadap total kredit yang diberikan (Bank Bjb, PD BPR LPK Garut Kota and PD
(Bank Bjb, PD BPR LPK Garut Kota dan PD BPR LPK Jalancagak) are 1.05% and 0.64%
BPR LPK Jalancagak) adalah 1,05% dan as of December 31, 2014 and 2013,
0,64% masing-masing pada tanggal respectively.
Rasio kredit non-performing - kotor terhadap Non-performing loans - gross to total loan
total kredit (entitas induk) adalah 4,15% dan ratios (parent only) are 4.15% and 2.83% as
2,83% masing-masing pada tanggal of December 31, 2014 and 2013, respectively.
Rasio kredit non-performing - bersih terhadap Non-performing loans - net to total loan ratios
total kredit (entitas induk) adalah 1,04% dan (parent only) are 1.04% and 0.64% as of
0,64% masing-masing pada tanggal December 31, 2014 and 2013, respectively.
90

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-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
'$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6 709
&$7$7$1$7$6/$325$1.(8$1*$1 127(6727+(&2162/,'$7('),1$1&,$/
.2162/,'$6,$1 67$7(0(176

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EHUGDVDUNDQVHNWRUHNRQRPLODQMXWDQ FRQWLQXHG
Pada tanggal 31 Desember 2014 dan 2013, As of December 31, 2014 and 2013, the ratio of
rasio jumlah cadangan kerugian penurunan allowance for impairment losses on financial
nilai aset keuangan yang telah dibentuk assets based on SFAS No. 55 (Revised 2011) to
berdasarkan PSAK No. 55 (Revisi 2011) minimum allowance for impairment losses based
terhadap jumlah minimum cadangan kerugian on Bank Indonesia regulation is 76.75% and
penurunan nilai aset keuangan sesuai 69.66%, respectively.
ketentuan Bank Indonesia masing-masing
adalah sebesar 76,75% dan 69,66%.
J .UHGLW\DQJGLUHVWUXNWXULVDVL J 5HVWUXFWXUHGORDQV
Kredit yang direstrukturisasi pada tanggal- Restructured loans as of December 31, 2014
tanggal 31 Desember 2014 dan 2013 masing- and 2013 is amounted to Rp175,966 and
masing adalah sebesar Rp175.966 dan Rp173,455, respectively. Details of the
Rp173.455. Rincian kredit yang direstrukturisasi restructured loans are as follows:
'HVHPEHU 'HVHPEHU
'HFHPEHU 'HFHPEHU
Perpanjangan jangka waktu Extension of loan period

dan penurunan bunga 161.498 163.674 and interest rate reduction
Perpanjangan jangka waktu
kredit 12.477 9.548 Extension of loan period
Tambahan fasilitas - 226 Additional loan commitments
Perpanjangan jangka waktu Extension of loan period
dan skema lain 1.991 7 and other schemes
7RWDO 7RWDO
Rincian kredit yang direstrukturisasi Restructured loans by collectibility and

berdasarkan kolektibilitas dan sektor ekonomi economic sector are as follows:
'HVHPEHU'HFHPEHU
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Konstruksi - 94.906 92 - - 94.998 Construction

Industri 397 608 508 - 58.812 60.325 Industry
Perdagangan 4.248 3.587 652 179 435 9.101 Trading
Jasa-jasa dunia usaha 104 449 - 6.096 6.649 Business services
Jasa-jasa sosial 3.507 - - - - 3.507 Social services
Pertanian 364 29 24 - - 417 Farming
pergudangan - 135 126 - - 261 warehousing
Listrik, gas dan air 132 - - - 132 Electricity, gas and water
Lain-lain 572 - - - 4 576 Other
7RWDO 7RWDO
91

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-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
710 '$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6
&$7$7$1$7$6/$325$1.(8$1*$1 127(6727+(&2162/,'$7('),1$1&,$/
.2162/,'$6,$1 67$7(0(176

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'HVHPEHU'HFHPEHU
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Konstruksi - 94.917 - - - 94.917 Construction

Industri - - - - 59.332 59.332 Industry
Jasa-jasa dunia usaha - - - 9.014 - 9.014 Business services
Perdagangan 4.814 576 210 - - 5.600 Trading
Listrik, gas dan air 4.262 - - - - 4.262 Electricity, gas and water
Jasa-jasa sosial - 160 - - - 160 Social services
pergudangan 162 - - - - 162 warehousing
Lain-lain 3 - - - 5 8 Other
7RWDO 7RWDO
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Saldo awal 1.019.520 605.667 Beginning balance
Penyisihan selama tahun berjalan 612.345 544.051 Provision during the year
Penghapusbukuan selama
tahun berjalan (43.028) (130.198) Write-offs during the year

Manajemen berpendapat bahwa jumlah Management believes that the allowance for
cadangan kerugian penurunan nilai yang impairment losses is adequate to cover
dibentuk cukup untuk menutup kerugian yang possible losses arising from uncollectible
mungkin timbul akibat tidak tertagihnya kredit loans.
yang diberikan.
L ,QIRUPDVL SRNRN ODLQQ\D VHKXEXQJDQ L 2WKHU VLJQLILFDQW LQIRUPDWLRQ UHODWLQJ WR
GHQJDQNUHGLW\DQJGLEHULNDQ ORDQV
1) Kredit yang diberikan dijamin dengan 1) Loans are secured by deposits, collateral
deposito, agunan yang diikat dengan hak bound by hypothecation or a power of
tanggungan atau surat kuasa untuk attorney to sell and other collateral
menjual dan jaminan lain yang umumnya commonly accepted by banks.
diterima oleh perbankan.
2) Kredit konsumsi terdiri dari kredit 2) Consumer credit consists of housing,

pemilikan rumah, kredit kendaraan vehicles, and other personal loans.
bermotor, dan kredit perorangan lainnya.
92

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-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
'$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6 711
&$7$7$1$7$6/$325$1.(8$1*$1 127(6727+(&2162/,'$7('),1$1&,$/
.2162/,'$6,$1 67$7(0(176

GHQJDQNUHGLW\DQJGLEHULNDQODQMXWDQ ORDQVFRQWLQXHG
3) Kredit Program Pemerintah terdiri atas 3) Government Program Loans consist of

Kredit Usaha Tani, Kredit Koperasi Primer Agricultural Business Loans, Primary and
dan Anggotanya, dan Kredit Pengusaha Member Cooperative Loans, and Small and
Kecil dan Mikro. Saldo kredit program Micro Business Loans. The outstanding
yang disalurkan dengan sistem balances of loans distributed through the
channeling pada tanggal 31 Desember channeling system as of December 31,
2014 dan 2013 masing-masing sebesar 2014 and 2013, is amounting to Rp271,540
Rp271.540 dan Rp271.586. and Rp271,586, respectively.
4) Kredit karyawan adalah kredit yang 4) Loans to employees are loans for
diberikan kepada karyawan untuk purchasing vehicles, houses or other items
membeli kendaraan, rumah, atau with an interest rate of 6.5% and maturity
keperluan lainnya dengan tingkat bunga terms of 1 to 20 years. The loans and
sebesar 6,5% dan jangka waktu dari 1 interest payments are collected through
sampai 20 tahun. Pinjaman dan monthly payroll deduction.
bunganya dilunasi melalui pemotongan
gaji setiap bulan.
5) Pada tanggal 31 Desember 2014 dan 5) As of December 31, 2014 and 2013, the
2013, Bank memenuhi ketentuan Bank Bank complied with the Legal Lending
Indonesia tentang Batas Maksimum Limit (LLL) requirements of Bank
Pemberian Kredit (BMPK). Indonesia.
6) Rasio kredit UMKM terhadap kredit yang 6) The ratio of UMKM credit to total loans are
diberikan adalah 7,91% dan 11,20% 7.91% and 11.20% as of December 31.
masing-masing untuk tanggal 2014 and 2013, respectively.
7) Keikutsertaan Bank dalam pinjaman 7) The Bank’s participation in syndicated

sindikasi dengan bank lain adalah loans with other banks amounted to
sebesar Rp1.267.294 dan Rp1.035.884 Rp1.267.294 and Rp1.035.884 as of
masing-masing pada tanggal December 31, 2014 and 2013,
31 Desember 2014 dan 2013. Partisipasi respectively. The Bank’s participation in
Bank dalam pinjaman sindikasi tersebut syndicated loans ranged between 2.97%-
berkisar antara 2,97%-35,71% dan 35.71% and 0.53%-33.33% as of
0,53%-33,33% masing-masing pada December 31, 2014 and 2013,
tanggal 31 Desember 2014 dan 2013. respectively.
8) Kredit hapus buku pada tanggal 8) Total loans written off as of

31 Desember 2014 dan 2013 masing- December 31, 2014 and 2013 is amounting
masing berjumlah Rp198.894 dan to Rp 198,894 and Rp271,059,
Rp271.059. respectively.
9) Giro yang diblokir dan dijadikan jaminan 9) Current accounts blocked and pledged as
atas pinjaman yang diberikan pada loan collateral as of December 31, 2014
tanggal 31 Desember 2014 dan 2013 and 2013 is amounting to Rp 1,409,348
masing-masing sebesar Rp1.409.348 and Rp1,888,327, respectively (Note 20d).
dan Rp1.888.327 (Catatan 20d).
93

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10) Deposito yang diblokir dan dijadikan 10) Time deposits blocked and pledged as
jaminan atas pinjaman yang diberikan loan collateral as of December 31, 2014
pada tanggal 31 Desember 2014 dan and 2013 is amounted to Rp61,999 and
2013 masing-masing sebesar Rp61.999 Rp37,406, respectively (Note 20e).
dan Rp37.406 (Catatan 20e).
11) Untuk tahun yang berakhir pada tanggal- 11) For the years ended December 31, 2014
tanggal 31 Desember 2014 dan 2013, and 2013, the Bank carried out a binding
Bank telah melakukan perjanjian dan contract with PT Asuransi Bangun Askrida,
perikatan dengan PT Asuransi Bangun Asuransi Jiwa Bersama Bumiputera 1912,
Askrida, Asuransi Jiwa Bersama Perum Jaminan Kredit Indonesia (formerly
Bumiputera 1912, Perum Jaminan Kredit Perum Sarana Pengembangan Usaha),
Indonesia (dahulu Perum Sarana PT Asuransi Jasaraharja Putera,
Pengembangan Usaha), PT Asuransi PT Sarana Lindung Upaya, PT Asuransi
Jasaraharja Putera, PT Sarana Lindung Kredit Indonesia, Jamkrida Jabar, in
Upaya, PT Asuransi Kredit Indonesia, relation to life insurance coverage of Kredit
Jamkrida Jabar, sehubungan dengan Guna Bhakti debtors. The insured amount
pertanggungan asuransi jiwa debitur per debtor is equal to the guaranteed
Kredit Guna Bhakti. Nilai pertanggungan principal amount/loan principal amount
per debitur sebesar Plafon Penjaminan/ plus 1 (one) month’s interest. The
Plafon Pokok Kredit ditambah bunga insurance premium is assumed by the
sebesar 1 (satu) bulan. Premi asuransi debtors.

tersebut ditanggung oleh debitur.
12) Bank telah melakukan penjualan atas 12) The Bank conducted sales of Guna Bhakti
kredit Guna Bhakti kepada PT Bank loans to PT Bank CIMB Niaga Tbk (CIMB)
CIMB Niaga Tbk (CIMB) sebagaimana based on the agreement between the
tertuang dalam Perjanjian Kerjasama Bank and CIMB which was notarized
antara Bank dengan CIMB sesuai Akta under Notarial Deed No. 42 dated
Notaris DR. Hj. Yenni Yunithawati December 17, 2009 of DR. Hj. Yenni
Rukmana. S.H., No. 42 tanggal Yunithawati Rukmana. S.H., Sales
17 Desember 2009. Perjanjian Jual Beli Agreement No. 127/DIR-PKD/2009.
Piutang No. 127/DIR-PKD/2009, No. 2730/SPA/BDG/XII/2009 dated
No. 2730/SPA/BDG/XII/2009 tanggal December 21, 2009 and Cessie
21 Desember 2009 dan Perjanjian Agreement No.128/DIR-PKD/2009,
Pengalihan Piutang No. 128/DIR- No. 2731/Cessie-1/Asset Buy/2009 dated
PKD/2009, No. 2731/Cessie-1/Asset December 21, 2009. In connection with
Buy/2009 tanggal 21 Desember 2009. the sale of loans, the Bank is given six
Sehubungan dengan penjualan kredit months period since the date of cessie
tersebut, Bank diberikan waktu enam agreement to add a transferrable clause
bulan sejak tanggal perjanjian cessie on the debtor’s loan agreement, which
untuk melakukan penambahan given the Bank a right to sell the loan. As
“transferrable clause” pada perjanjian of December 31, 2014, the number of
kredit dengan debitur yang memberikan debtors who had signed the credit
hak kepada Bank untuk menjual kredit agreement addendum which added the
debitur. Sampai dengan 31 Desember transferrable clause totaled 7,055 persons
2014, jumlah debitur yang telah or 100% of the total debtors transferred.
menandatangani addendum perjanjian
kredit yang telah menambahkan
“transferrable clause” adalah sebanyak
7.055 orang atau sebesar 100% dari total
debitur yang dialihkan.
94

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-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
'$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6 713
&$7$7$1$7$6/$325$1.(8$1*$1 127(6727+(&2162/,'$7('),1$1&,$/
.2162/,'$6,$1 67$7(0(176


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Kredit tersebut merupakan kredit yang These loans are provided to government
diberikan kepada Pegawai Negeri Sipil employees which are payable through
dengan pembayaran melalui monthly salary deduction. The loan
pemotongan gaji setiap bulannya. Nilai principal sold and transferred totaled
pokok kredit yang dijual dan dialihkan Rp499,704 which consisted of 7,055
tersebut adalah sebesar Rp499.704 yang debtors with loan period ranging from 7 to
terdiri dari 7.055 debitur dengan jangka 8 years. The Bank removed the loans
waktu kredit berkisar antara 7 sampai from its consolidated statements of
dengan 8 tahun. Bank telah financial position (derecognized). After the
mengeluarkan kredit yang bersangkutan sale of loans, the Bank acts as agent, or
dari laporan posisi keuangan the party which manages the payment
konsolidasian Bank (derecognize). from debtors and administers the debtor’s
Setelah penjualan kredit tersebut, Bank loan documents based on deed No. 43
akan bertindak sebagai agen, atau pihak dated December 17, 2009 of DR. Hj.
yang mengelola pembayaran dari debitur Yenni Yunithawati Rukmana, S.H. As an
dan mengadministrasikan dokumen agent, the Bank has a monthly obligation
kredit debitur sebagaimana tertuang to transfer the payment received from the
dalam Akta No. 43 tanggal 17 Desember debtors to CIMB and the Bank will receive
2009, notaris DR. Hj. Yenni Yunithawati a fee from the interest spread between the
Rukmana, S.H. Sebagai agen, Bank interest received by the Bank from the
memiliki liabilitas bulanan untuk debtors and the interest transferred by the
mentransfer pembayaran yang diterima Bank to CIMB.
dari debitur kepada CIMB dan Bank akan
menerima imbalan berupa selisih bunga
antara bunga yang diterima Bank dari
debitur dan bunga yang dibayarkan Bank
kepada CIMB.
13) Bank telah melakukan pembelian Kredit 13) The Bank purchased loans from PT Bank
PT Bank Pembangunan Daerah Nusa Pembangunan Daerah Nusa Tenggara
Tenggara Timur (BPD NTT) sebagaimana Timur (BPD NTT) based on the agreement
tertuang dalam Perjanjian Kerjasama between the Bank and BPD NTT which
antara Bank dan BPD NTT sesuai dengan was notarized under Notarial Deed No. 15
Akta Notaris Sylvia Gunawan, S.H., dated November 6, 2010 of Sylvia
M.Kn., No.15 tanggal 6 November 2010. Gunawan, S.H., M.Kn., Sales Agreement
Perjanjian Jual Beli Piutang No. 79/BNTT/XI/2010, o. 72/DirKom/2010
No. 79/BNTT/XI/2010, No. 72/Dir- dated November 25, 2010 and
Kom/2010 tanggal 25 Nopember 2010 Cessie Agreement No.80/BNTT/XI/2010,
dan Perjanjian Pengalihan Piutang No.73/Dir-Kom/2010 dated November 25,
No. 80/BNTT/XI/2010, No. 73/Dir-Kom/ 2010. The total commitment of the loans
2010 tanggal 25 Nopember 2010. Jumlah purchased amounted to Rp500,000. As of
komitmen pembelian piutang ini adalah December 31, 2014, the total realization
sebesar Rp500.000. Pada tanggal of the loans purchased amounted to
31 Desember 2014, jumlah realisasi Rp101,305 bilion which consisted of 1,910
pembelian piutang adalah sebesar debtors and the total outstanding amount
Rp101.305 milyar yang terdiri dari 1.910 in the consolidated statement of financial
debitur dan jumlah yang tercatat pada position as of December 31, 2014
laporan posisi keuangan konsolidasian amounted to Rp61,936 bilion.
pada tanggal 31 Desember 2014 adalah
sebesar Rp61.936 milyar.
95

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-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
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Transaksi pembelian kredit tersebut The loans purchase transaction is a non-

merupakan transaksi without recourse. recourse transaction. All rights, ownership
Semua hak, kepemilikan dan kepentingan and interests of the loans are transferred
atas kredit telah dialihkan kepada Bank to the Bank and the Bank obtains all
dan Bank memperoleh seluruh benefits and risks on the loan.
keuntungan dan kerugian yang timbul dari
kredit tersebut.
Dalam hal terjadi tunggakan dari debitur, When the debtors default, BPD NTT is
BPD NTT secara aktif berkewajiban untuk obliged to conduct the collection
melakukan penagihan kepada debitur procedures from the debtors for the Bank’s
untuk kepentingan Bank sesuai prosedur interest in accordance with the applicable
yang berlaku. procedures.
Setelah pembelian kredit tersebut, BPD After the purchase of loan, BPD NTT will
NTT akan bertindak selaku pihak yang act as a party who collect from debtors,
melakukan penagihan kepada debitur, maintain and administers the loan for the
memelihara dan mengadministrasikan Bank’s interest and transfer the payment
tagihan secara tertib untuk kepentingan received from the debtors such as
Bank dan melakukan penyetoran atas principal, interest and other liabilities
pembayaran yang diterima dari debitur payment, including advance payment from
baik berupa angsuran, bunga dan atau debtor to BPD NTT’s account in Bank
liabilitas lainnya yang menjadi hak Bank BJB, at the latest of two working days after
termasuk dalam hal terjadinya the payment is received from the debtor.
pembayaran dipercepat oleh debitur ke
rekening penampung BPD NTT di Bank
BJB, selambat-lambatnya dua hari kerja
berikutnya sejak diterimanya pembayaran
dari debitur.
Kredit tersebut merupakan Kredit These loans are Multiguna loans which are
Multiguna yang disalurkan oleh BPD NTT provided by BPD NTT to active
kepada pegawai negeri sipil aktif di government employees of province and
lingkungan Pemerintah Daerah Propinsi municipalities/regencies in the province of
Nusa Tenggara Timur dan Nusa Tenggara Timur with criteria of
Kabupaten/Kota se-Propinsi Nusa among others: (a) maximum credit limit of
Tenggara Timur, dengan kriteria antara Rp100 per debtor, (b) collectibility 1
lain: (a) maksimum plafon kredit sebesar (one)/current, (c) period of loan is adjusted
Rp100 per debitur, (b) memiliki for each debtor to a maximum of 10 (ten)
kolektibilitas 1 (satu)/lancar, (c) jangka years since purchase date.
waktu disesuaikan dengan jangka waktu
kredit setiap debitur maksimal
10 (sepuluh) tahun sejak tanggal
pengalihan.
96

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Setelah pengalihan kredit tersebut, BPD After the purchase of loans, BPD NTT acts
NTT akan bertindak sebagai agen as agent, or the party which manages the
pengelolaan, atau pihak yang mengelola payment from debtors and administers the
pembayaran dari debitur dan debtor’s loan documents based on deed
mengadministrasikan dokumen kredit No. 16 dated November 6, 2010 of Sylvia
debitur sebagaimana tertuang dalam Gunawan, S.H., M.Kn regarding receivable
Akta Notaris Sylvia Gunawan, S.H., management between Bank and BPD
M.Kn., No. 16 tanggal 6 November 2010 NTT. For the services rendered, BPD NTT
tentang Perjanjian Pengelolaan Piutang will receive a fee at 23% of every debtor
antara Bank dan BPD NTT. Atas jasa interest obligation paid by BPD NTT and
pengelolaan piutang tersebut, BPD NTT received by the Bank.
mendapat imbalan sebesar 23% dari
setiap liabilitas bunga debitur yang telah
disetor oleh BPD NTT dan diterima oleh
Bank.
14) Bank telah menandatangani Perjanjian 14) The Bank entered into an agreement with
Kerjasama Pembiayaan Kredit Multiguna PT Bank Pembangunan Daerah Bengkulu
dengan PT Bank Pembangunan Daerah (BPD Bengkulu) to provide Kredit
Bengkulu (BPD Bengkulu) dengan Multiguna loans in the form of channeling
bentuk Penerusan (Channeling) as notarized in the Notarial Deed No. 15
sebagaimana tertuang dalam Akta dated November 15, 2010 of Mufti
Notaris Mufti Nokhman, S.H. No. 15 Nokhman, S.H., and Offering Letter of
tanggal 15 November 2010 dan Surat Kredit Multiguna loans No.485/KK-
Penawaran (Offering Letter) Kerjasama AK/2010 dated November 11, 2010 from
Pembiayaan Kredit Multiguna No. 485/ the Bank which was agreed by BPD
KK-AK/2010 tanggal 11 November 2010 Bengkulu. Under the agreement, the Bank
dari Bank yang telah disetujui oleh BPD gives authority to BPD Bengkulu to
Bengkulu. Dalam kerjasama ini, Bank provide credit facilities, to sign the credit
memberikan kuasa kepada BPD agreement and collateral binding
Bengkulu untuk menyalurkan fasilitas agreement of each debtors, to execute the
kredit, menandatangani perjanjian kredit Bank’s right relating to guarantees and to
dan pengikatan jaminan masing-masing receive repayment of the credit facility by
debitur, melaksanakan hak Bank the debtors.
sehubungan dengan jaminan dan
melakukan penagihan pembayaran
fasilitas kredit oleh debitur.
Maksimum fasilitas dalam rangka The maximum amount of the facility

kerjasama ini adalah sebesar Rp500.000 amounted to Rp500,000 with the period of
dengan jangka waktu kerjasama dan the agreement and fund withdrawal for 12
penarikan dana maksimal 12 bulan sejak months since the date the agreement was
perjanjian ditandatangani. Sampai signed. Up to December 31, 2014, the
dengan tanggal 31 Desember 2014, total realization of the loan channeling
jumlah realisasi penyaluran kredit adalah amounted to Rp133,946 which consisted
sebesar Rp133.946 yang terdiri dari of 2,367 debtors.
2.367 debitur.
97

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-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
716 '$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6
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.2162/,'$6,$1 67$7(0(176

Perjanjian ini mencantumkan beberapa The agreement stated several conditions,

persyaratan, antara lain: (a) BPD among others: (a) BPD Bengkulu, as the
Bengkulu, selaku kuasa Bank, Bank’s behalf has an obligation to
berliabilitas melakukan evaluasi terhadap evaluate the potential debtors in
calon debitur sesuai persyaratan yang accordance with the conditions set by the
ditentukan Bank; (b) pinjaman diberikan Bank; (b) the facility may be provided only
hanya kepada pegawai negeri sipil for civil servants in the Province and
Pemerintah Daerah Propinsi dan Cities/Municipalities of Bengkulu area
Kota/Kabupaten di wilayah Propinsi where the credit facilities were agreed and
Bengkulu yang fasilitas kreditnya payment of salaries through BPD
disetujui dan pembayaran gajinya melalui Bengkulu; (c) principal and credit term are
BPD Bengkulu; (c) plafon dan jangka in accordance with those applied in BPD
waktu kredit sesuai dengan ketentuan Bengkulu; (d) interest rate at 16.5% p.a.
yang berlaku di BPD Bengkulu; (d) monthly annuity; (e) provision and
tingkat bunga sebesar 16,5% p.a. anuitas administration fees at 1% and 0.25%,
bulanan; (e) biaya provisi dan respectively; (f) each debtor must be
administrasi masing-masing sebesar 1% covered by life and work termination
dan 0,25%; (f) setiap debitur wajib insurance. The agreement also stated that
diikutsertakan dalam program asuransi the Bank appointed BPD Bengkulu as a
jiwa dan PHK. Perjanjian kerjasama ini credit facility agent which includes the
juga menjelaskan bahwa Bank custody, administration and monitoring of
mengangkat BPD Bengkulu sebagai the documents related to the credits. For
agen pengelola fasilitas termasuk services as an agent, BPD Bengkulu will
penyimpanan, pengadministrasian dan receive fees amounting to 15% of the
monitoring terhadap dokumen terkait interest obligation paid by BPD Bengkulu
kredit yang diberikan. Atas pemberian and received by the Bank, and 50% of the
jasa agen pengelola ini, BPD Bengkulu provision and administration fees.
berhak atas 15% dari setiap liabilitas
bunga yang disetor BPD Bengkulu dan
diterima Bank serta 50% dari pendapatan
provisi dan biaya administrasi.
3(0%,$<$$13,87$1*6<$5,$+ 6+$5,$),1$1&,1*5(&(,9$%/(6
Pembiayaan dengan prinsip syariah seluruhnya All sharia financing were granted in rupiah
diberikan dalam mata uang rupiah. currency.
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Konsumsi 2.075.973 36.579 7.216 2.977 5.367 2.128.112 Consumer
Modal kerja 1.239.236 42.387 12.014 11.249 90.828 1.395.714 Working capital
Investasi 572.566 67.174 96.938 3.570 26.911 767.159 Investment
Sindikasi 69.524 - - - - 69.524 Syndicated
Karyawan 39.607 - - - - 39.607 Employees
Total 3.996.906 146.140 116.168 17.796 123.106 4.400.116 Total

penurunan nilai (11.441) (766) (25.228) (3.480) (58.232) (99.147) for impairment losses
1HWR 1HW
98

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-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
'$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6 717
&$7$7$1$7$6/$325$1.(8$1*$1 127(6727+(&2162/,'$7('),1$1&,$/
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Konsumsi 2.248 - - - - 2.248 Consumer
Modal kerja 1.432.174 46.067 5.844 1.707 35.301 1.521.093 Working capital
Konsumsi 1.338.940 13.228 1.393 1.268 3.196 1.358.025 Consumer
Investasi 551.782 30.226 12.792 1.103 4.409 600.312 Investment
Sindikasi 79.066 - - - - 79.066 Syndicated
Karyawan 33.016 - - - - 33.016 Employees
Total 3.437.226 89.521 20.029 4.078 42.906 3.593.760 Total

penurunan nilai (33.747) (2.981) (855) (1.019) (23.492) (62.094) for impairment losses
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Murabahah 2.958.628 2.144.892 Murabahah

Musyarakah 797.702 842.324 Musyarakah
Mudharabah 495.085 436.526 Mudharabah
Qardh 95.664 157.914 Qardh
Aset yang diperoleh untuk
Ijarah - neto 48.290 6.486 Asset acquired for Ijarah - net
Istishna 4.747 5.618 Istishna
Total 4.400.116 3.593.760 Total

Cadangan kerugian
penurunan nilai (99.147) (62.094) Allowance for impairment losses
1HWR 1HW

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Jasa dunia usaha 773.558 50.375 1.795 2.586 3.952 832.266 Business services
Perdagangan 271.282 21.627 13.102 4.262 20.933 331.206 Trading
Konstruksi 291.935 881 4.206 4.647 25.608 327.277 Constructions
Pengangkutan dan Transportation
pergudangan 159.365 17.474 85.116 58 27.958 289.971 and warehousing
Jasa-jasa sosial 246.741 5.038 2.570 1.478 1.904 257.731 Social services
Industri 67.048 5.910 2.574 2.829 34.225 112.586 Industry
Pertambangan 20.317 819 - - 3.836 24.972 Mining
Electricity, gas and
Listrik, gas dan air 54.885 - 220 - - 55.105 water
Pertanian 20.600 11.410 1.099 357 990 34.456 Agriculture
Lain-lain 2.091.175 32.606 5.486 1.579 3.700 2.134.546 Others
Total 3.996.906 146.140 116.168 17.796 123.106 4.400.116 Total

penurunan nilai (11.441) (766) (25.228) (3.480) (58.232) (99.147) for impairment losses
1HWR 1HW

99

37%$1.3(0%$1*81$1'$(5$+ 37%$1.3(0%$1*81$1'$(5$+
-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
718 '$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6
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.2162/,'$6,$1 67$7(0(176

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Jasa dunia usaha 1.025.819 20.219 2.052 580 8.148 1.056.818 Business services
Perdagangan 195.860 19.033 4.613 1.050 7.155 227.711 Trading
Konstruksi 203.473 701 72 1.049 20.252 225.547 Constructions
Pengangkutan dan Transportation
pergudangan 137.736 - 9.547 - 18 147.301 and warehousing
Jasa-jasa sosial 134.334 962 286 131 353 136.066 Social services
Industri 151.935 31.817 2.066 - 3.395 189.213 Industry
Pertambangan 27.411 2.987 - - - 30.398 Mining
Electricity, gas and
Listrik, gas dan air 59.995 293 - - - 60.288 water
Pertanian 26.502 211 - - 389 27.102 Agriculture
Lain-lain 1.474.161 13.298 1.393 1.268 3.196 1.493.316 Others
Total 3.437.226 89.521 20.029 4.078 42.906 3.593.760 Total

penurunan nilai (33.747) (2.981) (855) (1.019) (23.492) (62.094) for impairment losses
1HWR 1HW
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Kurang dari atau Less than or
sama dengan 1 tahun 377.898 406.239 or equal to 1 year
Lebih dari 10 tahun 1.183.247 520.871 More than 10 years
Total 4.400.116 3.593.760 Total

Cadangan Allowance
kerugian penurunan nilai (99.147) (62.094) for impairment losses
1HWR 1HW

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Rupiah 6,00% -30,00% 6,50% - 10,00% Rupiah
100

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-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
'$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6 719
&$7$7$1$7$6/$325$1.(8$1*$1 127(6727+(&2162/,'$7('),1$1&,$/
.2162/,'$6,$1 67$7(0(176

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pergudangan 113.132 42.687 9.565 3.621 warehousing
Industri 39.628 10.024 5.461 2.067 Industry
Perdagangan 38.297 10.662 12.818 4.852 Trading
Konstruksi 34.461 10.261 21.373 8.090 Constructions
Jasa dunia usaha 8.333 4.530 10.780 4.080 Business services
Jasa-jasa sosial 5.952 2.296 771 292 Social services
Pertambangan 3.836 1.944 - - Mining
Pertanian 2.447 292 389 147 Agriculture
Listrik, gas dan air 220 12 - - Electricity, gas and water
Lain-lain 10.764 4.232 5.856 2.217 Others
7RWDO 7RWDO
Pada tanggal 31 Desember 2014 dan 2013, As of December 31, 2014 and 2013, non-
rasio pembiayaan syariah non-performing - kotor performing sharia financing ratios - gross to
terhadap jumlah pembiayaan syariah masing- total sharia financing are 5.84% and 1.86%,
masing sebesar 5,84% dan 1,86%. respectively.

Pada tanggal 31 Desember 2014 dan 2013, As of December 31, 2014 and 2013, non-
rasio pembiayaan syariah non-performing - neto performing sharia financing ratios - net to total
terhadap jumlah pembiayaan syariah masing- sharia financing are 3.87% and 1.16%,
masing sebesar 3,87% dan 1,16%. respectively.

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Saldo awal 62.094 77.844 Beginning balance
Penyisihan selama tahun berjalan 50.896 70.448 Provision during the year
Penghapusbukuan Write-offs
selama tahun berjalan (15.876) (87.250) during the year
Penerimaan kembali pembiayaan
yang telah dihapus buku 2.033 1.052 Recovery of loans written-off
cadangan kerugian penurunan nilai yang impairment losses is adequate to cover
dibentuk cukup untuk menutup kerugian yang possible losses arising from uncollectible
mungkin timbul akibat tidak tertagihnya sharia financing.
pembiayaan syariah yang diberikan.
101

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-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
720 '$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6
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Debitur non-bank 8.191 18.148 Non-bank debtors
Debitur non-bank 10.244 15.087 Non-bank debtors
7RWDO 7RWDO

Informasi mengenai jatuh tempo tagihan dan Information with respect to maturities of
liabilitas akseptasi diungkapkan pada Catatan acceptances receivable and payable is
48. disclosed in Note 48.
Bank melakukan penilaian tagihan akseptasi Bank assessed acceptances receivable
secara individual dengan menggunakan bukti individually for impairment using objective
objektif atas penurunan nilai. evidence of impairment.
Manajemen berpendapat bahwa jumlah Management believes that no allowance for
cadangan kerugian penurunan nilai tidak impairment losses is necessary as of
diperlukan pada tanggal-tanggal 31 Desember December 31, 2014 and 2013, because
2014 dan 2013, karena Manajemen management believes that acceptances
berkeyakinan bahwa tagihan akseptasi dapat receivable are fully collectible.
ditagih.
Seluruh tagihan akseptasi yang dimiliki tanggal All of acceptances receivable as of December
31 Desember 2014 dan 2013 diklasifikasikan 31, 2014 and 2013, are classified as current.
sebagai lancar.
3(1<(57$$16$+$0 ,19(670(176,16+$5(6
a. Penyertaan saham merupakan penyertaan a. Investments in shares represent shares

pada Bank Perkreditan Rakyat (BPR) dan participation in Bank Perkreditan Rakyat (BPR)
PT Asuransi Bangun Askrida. and PT Asuransi Bangun Askrida.

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BPR BPR
Kabupaten Cianjur 2.816 13% 2.816 13% Cianjur Regency
Kabupaten Serang 2.400 7% 2.400 7% Serang Regency
Kabupaten Bogor 1.590 9% 1.590 9% Bogor Regency
Kabupaten Indramayu 1.260 11% 1.260 11% Indramayu Regency
Kabupaten Tangerang 1.050 2% 1.050 2% Tangerang Regency
Kabupaten Bekasi 990 7% 990 7% Bekasi Regency
Kabupaten Tasikmalaya 600 7% 600 7% Tasikmalaya Regency
Kabupaten Majalengka 423 8% 423 8% Majalengka Regency
Kabupaten Lebak 405 9% 405 10% Lebak Regency
Kabupaten Ciamis 300 15% 300 16% Ciamis Regency
Kabupaten Pandeglang 150 8% 150 8% Pandeglang Regency
PT Asuransi PT Asuransi
Bangun Askrida 20.000 10% 20.000 10% Bangun Askrida
Cadangan Allowance for
kerugian penurunan nilai (4.236) (7.569) impairment losses
1HWR 1HW
102

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-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
'$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6 721
&$7$7$1$7$6/$325$1.(8$1*$1 127(6727+(&2162/,'$7('),1$1&,$/
.2162/,'$6,$1 67$7(0(176

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Lancar 27.748 24.415 Current

Kurang lancar 3.521 4.038 Substandard
Diragukan 165 330 Doubtful
Macet 550 3.201 Loss

penurunan nilai (4.236) (7.569) for impairment losses
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Penyisihan (pembalikan) selama
tahun berjalan (3.333) 3.305 Provision (reversal) during the year
`
cadangan kerugian penurunan nilai di atas impairment losses mentioned above is
adalah cukup untuk menutup kerugian yang sufficient to cover impairment losses on
mungkin timbul atas penyertaan saham. investments in shares.
d. Penerimaan dividen dari penyertaan saham d. Dividend income received from investments in
pada PT Asuransi Bangun Askrida dan BPR shares in PT Asuransi Bangun Askrida and
untuk tahun yang berakhir pada tanggal- BPR for the years ended December 31, 2014
tanggal 31 Desember 2014 dan 2013 masing- and 2013, is amounting to Rp7,928 and
masing adalah sebesar Rp7.928 dan Rp6,116, respectively.
Rp6.116.
$6(77(7$3 ),;('$66(76

Berikut ini adalah aset tetap kepemilikan langsung Following is the direct ownership of fixed assets by
yang dimiliki oleh Bank: the Bank:

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Tanah 149.714 4.161 - 16.838 170.713 Land
Bangunan 482.758 9.289 - 10.753 502.800 Buildings
Perlengkapan 636.392 42.091 - 12.252 690.735 Office equipment
Kendaraan 32.074 1.658 315 - 33.417 Vehicles
1.300.938 57.199 315 39.843 1.397.665

Aset dalam penyelesaian 53.757 386.972 - (39.843) 400.886 Construction in progress
1.354.695 444.171 315 - 1.798.551
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Bangunan 171.417 24.063 - - 195.480 Buildings
Perlengkapan 463.905 71.131 - - 535.036 Office equipment
Kendaraan 20.304 3.109 222 - 23.191 Vehicles
655.626 98.303 222 - 753.707
1LODLEXNXQHWR 1HWERRNYDOXH
103

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-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
722 '$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6
&$7$7$1$7$6/$325$1.(8$1*$1 127(6727+(&2162/,'$7('),1$1&,$/
.2162/,'$6,$1 67$7(0(176

$6(77(7$3ODQMXWDQ ),;('$66(76FRQWLQXHG

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Tanah 142.080 7.634 - - 149.714 Land
Bangunan 473.515 8.697 - 546 482.758 Buildings
Perlengkapan 537.268 18.868 628 80.884 636.392 Office equipment
Kendaraan 34.591 1.289 3.806 - 32.074 Vehicles
1.187.454 36.488 4.434 81.430 1.300.938

Aset dalam penyelesaian 118.684 16.503 - (81.430) 53.757 Construction in progress
1.306.138 52.991 4.434 - 1.354.695
$NXPXODVLSHQ\XVXWDQ $FFXPXODWHGGHSUHFLDWLRQ
Bangunan 148.317 23.100 - - 171.417 Buildings
Perlengkapan 403.339 60.670 104 - 463.905 Office equipment
Kendaraan 19.609 719 24 - 20.304 Vehicles
571.265 84.489 128 - 655.626
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Jumlah penyusutan yang dibebankan pada beban Total depreciation expense charged to other
operasional lain adalah sebesar Rp98.303 dan operating expenses amounted to Rp98,303 and
Rp84.489 masing-masing pada tahun 2014 dan Rp84,489 in 2014 and 2013, respectively.
2013.

Rincian aset dalam penyelesaian pada tanggal- The details of constructions in progress as of
tanggal 31 Desember 2014 dan 2013 adalah December 31, 2014 and 2013 are as follows:
sebagai berikut:

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Renovasi gedung kantor 90% 4.928 2015 Renovation of office building
Pembangunan gedung kantor 70% 389.643 2015 Construction of office building
3UDVDUDQD ,QIUDVWUXFWXUH
Lain-lain 85% 6.315 2015 Others
7RWDO 7RWDO

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Renovasi gedung kantor 72% 2.684 2014 Renovation of office building
Pembangunan gedung kantor 50% 10.563 2014 Construction of office building
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Lain-lain 80% 40.510 2014 Others
7RWDO 7RWDO

104

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-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
'$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6 723
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.2162/,'$6,$1 67$7(0(176

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Pada tanggal 31 Desember 2014 dan 2013, Bank As of December 31, 2014 and 2013, the Bank had
memiliki 26 bidang tanah dengan sertifikat Hak 26 plots of land with Building Use Rights (Hak
Guna Bangunan (HGB). Masa berlaku HGB Guna Bangunan or HGB) titles. The HGB
berakhir antara tahun 2014 sampai dengan tahun expiration period ranges from 2014 up to 2031.
2031. Manajemen berpendapat tidak terdapat Management believes that there will be no difficulty
masalah dengan perpanjangan hak atas tanah in obtaining the extension of the landrights as all
karena seluruh tanah diperoleh secara sah dan the land were acquired legally and are supported
didukung dengan bukti kepemilikan yang memadai. by sufficient evidence of ownership.
Nilai tercatat bruto dari aset tetap yang telah di The gross carrying amount of the Bank's fully
depresiasi penuh oleh Bank namun masih depreciated fixed assets that are still in use
digunakan adalah sebesar Rp405.643 dan amounted to Rp405,643 and Rp288,979 as of
Rp288.979, masing-masing pada tanggal December 31, 2014 and 2013, respectively
31 Desember 2014 dan 2013 (tidak diaudit). (unaudited).
Bank telah mengasuransikan aset tetap untuk The Bank has insured its fixed assets to cover
menutupi kemungkinan kerugian terhadap risiko possible losses due to fire, theft, and natural
kebakaran, pencurian, dan bencana alam dengan disasters as of December 31, 2014 and 2013, for a
nilai pertanggungan asuransi per 31 Desember total coverage of Rp1,788,707 and Rp1,137,131,
2014 dan 2013 masing-masing sebesar respectively, with PT Asuransi Bangun Askrida,
Rp1.788.707 dan RpRp1.137.131 pada PT Sarana Lindung Upaya, and PT Jasaraharja
PT Asuransi Bangun Askrida, PT Sarana Lindung Putera.
Upaya, dan PT Jasaraharja Putera.
Manajemen berpendapat bahwa jumlah Management believes that the insurance coverage
pertanggungan asuransi tersebut telah memadai is sufficient to cover possible losses on these
untuk menutupi kemungkinan kerugian yang terjadi insured fixed assets.
atas aset tetap yang dipertanggungkan.
Manajemen berkeyakinan bahwa tidak terdapat Management believes that there is no indication of
indikasi penurunan potensial atas nilai aset tetap potential impairment in values of fixed assets as of
pada tanggal 31 Desember 2014 dan 2013. December 31, 2014 and 2013.

Tidak terdapat aset tetap yang dijaminkan oleh There are no fixed assets pledged by the Bank as
Bank pada tanggal-tanggal 31 Desember 2014 dan of December 31, 2014 and 2013.
2013.
105

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-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
724 '$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6
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Akun ini terdiri dari: This account consists of:
5XSLDK 5XSLDK
Kredit yang diberikan dan
pembiayaan syariah 411.929 389.872 Loans and sharia financing
Surat berharga 38.054 24.968 Marketable securities
Penempatan pada Bank Indonesia Placement with Bank Indonesia
dan bank lain 1.808 2.427 and other banks
451.791 417.267
pembiayaan syariah 68.702 851 89.791 1.093 Loans and sharia financing
7RWDO 7RWDO
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Biaya dibayar di muka 691.393 774.005 Prepaid expenses
Uang muka pajak 292.408 203.899 Tax advance
Beban ditangguhkan untuk pinjaman Accrued expense
karyawan 91.440 202.482 for employee loan
Beban tangguhan 20.878 17.842 Deferred charges
Persediaan keperluan kantor 11.763 9.157 Office supplies
Setoran jaminan 9.540 9.659 Security deposits
Uang muka pembelian Advance payment for building
gedung - 326.040 purchase
1.407.382 1.733.575
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Biaya dibayar di muka 59.649 739 82.652 1.006 Prepaid expenses
Lain-lain - 2.486.028 30.256 Others
739 31.262
7RWDO 7RWDO
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-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
'$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6 725
&$7$7$1$7$6/$325$1.(8$1*$1 127(6727+(&2162/,'$7('),1$1&,$/
.2162/,'$6,$1 67$7(0(176

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Biaya dibayar di muka terdiri dari: Prepaid expenses consist of:

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Sewa 219.316 231.765 Rent
Premi asuransi 168.728 204.924 Insurance
Biaya pemeliharaan aset tetap 139.761 127.793 Fixed assets maintenance
Biaya promosi 105.445 155.117 Promotions
Uang muka karyawan 55.710 45.739 Employee advances
691.393 774.005
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Premi Asuransi 59.649 739 82.652 1.006 Insurance
7RWDO 7RWDO
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Rekening titipan 756.805 1.103.897 Accounts not yet settled
Kiriman uang 617.624 495.393 Money transfers
Liabilitas kepada Kantor Liabilities to the State Treasury
Bendahara dan Kas Negara 385.728 298.372 and Cash Office
Setoran jaminan yang telah jatuh Matured security deposits
tempo tetapi belum diambil not yet collected by
nasabah 45.710 41.348 customers
Zakat, Infaq, dan Shadaqah 708 1.127 Zakat, Infaq, and Shadaqah
Titipan kredit dan pembiayaan Loans and sharia financing not
syariah 646 1.093 yet settled
Titipan dana bantuan Unsettled loans from
pemerintah 806 902 government aid
1.808.027 1.942.132
Setoran jaminan yang telah Matured security
jatuh tempo tetapi belum deposits not collected
diambil oleh nasabah 345.384 4.279 271.522 3.305 by custoimers
Lain-lain 6.055 76 8.357 102 Others
4.355 3.407

Liabilitas kepada Kantor Bendahara dan Kas Liabilities to the Treasury Office and State Cash
Negara merupakan hasil penerimaan pajak dari were tax payments received from individuals or
para wajib pajak baik perorangan maupun companies by the Bank as a collecting bank.
perusahaan yang diterima Bank sebagai bank
persepsi.
107

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-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
726 '$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6
&$7$7$1$7$6/$325$1.(8$1*$1 127(6727+(&2162/,'$7('),1$1&,$/
.2162/,'$6,$1 67$7(0(176

6,03$1$1 1$6$%$+ '$1 6,03$1$1 '(326,76 )520 &86720(56 $1'
1$6$%$+6<$5,$+ '(326,76)520&86720(56±6+$5,$
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Tabungan Savings
Simpeda 5.605 6.230 Simpeda
Tandamata Gold 4.675 4.868 Tandamata Gold
Tandamata 1.208 1.597 Tandamata
Tandamata Berjangka 458 429 Tandamata Berjangka
Tandamata Bisnis 11 - Tandamata Bisnis
Tandamata Haji 5 5 Tandamata Haji
TabunganKu 9 10 TabunganKu
Deposito berjangka 1.995.116 1.666.853 Time deposits
16.844.803 11.768.914
0DWD8DQJ$VLQJ )RUHLJQ&XUUHQF\
Tabungan Tandamata 9.859 122 18.060 220 Tandamata Savings
Deposito berjangka 5.800 72 5.004 61 Time deposits
'RODU6LQJDSXUD 8QLWHG6WDWHV'ROODU
Tabungan Tandamata 4.947 46 5.472 53 Tandamata Savings
240 334
16.845.043 11.769.248
5XSLDK 5XSLDK
Tabungan Savings
Tandamata 8.103.800 6.581.962 Tandamata
Simpeda 2.476.397 2.719.651 Simpeda
Tandamata Gold 774.341 773.482 Tandamata Gold
TabunganKu 440.796 1.124.128 TabunganKu
Tandamata Purnabakti 388.906 374.063 Tandamata Purnabakti
Tandamata Berjangka 80.315 57.997 Tandamata Berjangka
Tandamata Bisnis 45.293 49.354 Tandamata Bisnis
Tandamata MyFirst 38.288 - Tandamata MyFirst
Tabungan Tamasya 28.772 28.928 Tabungan Tamasya
Tandamata Haji 23.635 45.865 Tandamata Haji
Tabungan Masyarakat 15.385 14.910 Tabungan Masyarakat
Tabungan Wajib/ Khusus 6.762 4.946 Tabungan Wajib/ Khusus
Tabungan Pelajar 4.803 4.688 Tabungan Pelajar
Tabungan Kotak 2.246 1.783 Tabungan Kotak
Tabungan Dinas/ Instansi 1.742 295 Tabungan Dinas/ Instansi
Tabungan Anak Sekolah 1.806 1.272 Tabungan Anak Sekolah
Tabungan Intan Multiguna 20 - Tabungan Intan Multiguna
Tabungan Lain-lain 11 32 Tabungan Lain-lain
Deposito berjangka 17.067.499 16.751.152 Time deposits
36.001.008 34.612.280
0DWD8DQJ$VLQJ )RUHLJQ&XUUHQF\
Giro 14.867.063 184.129 15.402.997 187.454 Current accounts
Deposito berjangka 3.364.860 41.674 21.504.692 261.713 Time deposits
Tabungan Tandamata 3.167.464 39.229 2.602.548 31.673 Tandamata Savings
'RODU6LQJDSXUD 6LQJDSRUH'ROODU
Giro 77.169 724 551.036 5.302 Current accounts
Tabungan Tandamata 345.026 3.235 563.510 5.422 Tandamata Savings
(XUR8QL(URSD (XURSHDQ8QLRQ(XUR
Giro 39.386 593 30.540 512 Current accounts
Deposito Berjangka 10.000 151 - - Time deposit
<XDQ&LQD &KLQHVH<XDQ
Giro 1.457.292 2.909 273.869 550 Current accounts
'RODU$XVWUDOLD $XVWUDOLDQ'ROODU
Giro 10.340 105 677 7 Current accounts
272.749 492.633
36.273.757 35.104.913
7RWDO 7RWDO
108

37%$1.3(0%$1*81$1'$(5$+ 37%$1.3(0%$1*81$1'$(5$+
-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
'$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6 727
&$7$7$1$7$6/$325$1.(8$1*$1 127(6727+(&2162/,'$7('),1$1&,$/
.2162/,'$6,$1 67$7(0(176

6,03$1$1 1$6$%$+ '$1 6,03$1$1 '(326,76 )520 &86720(56 $1'
1$6$%$+6<$5,$+ODQMXWDQ '(326,76 )520 &86720(56 ± 6+$5,$
FRQWLQXHG
D %HUGDVDUNDQMHQLVGDQPDWDXDQJODQMXWDQ D %\W\SHDQGFXUUHQF\FRQWLQXHG

LL6LPSDQDQQDVDEDKV\DULDK LL 'HSRVLWVIURPFXVWRPHUVVKDULD

'HVHPEHU 'HVHPEHU
'HFHPEHU 'HFHPEHU
Rupiah Rupiah
Tabungan Wadiah 439 260 Wadiah savings
Rupiah Rupiah
Giro Wadiah 223.475 245.489 Wadiah current accounts
Tabungan Wadiah 144.569 100.238 Wadiah savings
TabunganKu iB 607 553 TabunganKu iB
368.651 346.280
7RWDO 7RWDO
E 5LQFLDQ GHSRVLWR EHUMDQJND EHUGDVDUNDQ E 'HWDLOVRIWLPHGHSRVLWVE\WHUP

MDQJNDZDNWX
5XSLDK 5XSLDK
1 bulan 10.240.334 10.430.543 1 month
3 bulan 4.067.195 3.842.177 3 months
6 bulan 2.297.946 3.793.850 6 months
12 bulan 2.391.481 334.452 12 months
Lebih dari 12 bulan 65.659 16.983 More than 12 months
19.062.615 18.418.005
1 bulan 3.199.925 39.632 21.239.143 258.481 1 month
3 bulan 119.362 1.478 107.382 1.307 3 months
6 bulan 23.100 286 28.613 348 6 months
12 bulan 28.299 350 134.592 1.638 12 months
41.746 261.774
(XUR8QL(URSD (XURSHDQ8QLRQ(XUR
1 bulan 10.000 151 - 1 month
41.897 261.774
7RWDO 7RWDO
109

37%$1.3(0%$1*81$1'$(5$+ 37%$1.3(0%$1*81$1'$(5$+
-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
728 '$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6
&$7$7$1$7$6/$325$1.(8$1*$1 127(6727+(&2162/,'$7('),1$1&,$/
.2162/,'$6,$1 67$7(0(176

6,03$1$1 1$6$%$+ '$1 6,03$1$1 '(326,76 )520 &86720(56 $1'
1$6$%$+6<$5,$+ODQMXWDQ '(326,76 )520 &86720(56 ± 6+$5,$
FRQWLQXHG

Giro Current accounts

Tabungan Savings
Deposito berjangka Time deposits

d. Giro yang diblokir dan dijadikan jaminan atas d. Current accounts blocked and pledged as
pinjaman yang diberikan dan pembiayaan loan and sharia financing collateral as of
syariah pada tanggal-tanggal 31 Desember December 31, 2014 and 2013 amounted to
2014 dan 2013 adalah masing-masing sebesar Rp1,409,348 and Rp1,888,327, respectively
Rp1.409.348 dan Rp1.888.327 (Catatan 12i). (Note 12i).
e. Deposito yang diblokir dan dijadikan jaminan e. Time deposits blocked and pledged as loan
atas pinjaman yang diberikan dan pembiayaan and sharia financing collateral as of
syariah pada tanggal-tanggal 31 Desember December 31, 2014 and 2013 amounted to
2014 dan 2013 adalah masing-masing sebesar Rp61,999 and Rp37,406, respectively (Note
Rp61.999 dan Rp37.406 (Catatan 12i). 12i).
6,03$1$1'$5,%$1./$,1 '(326,76)52027+(5%$1.6

5XSLDK 5XSLDK
Giro 18.312 4.780 Current accounts
136.608 144.875
5XSLDK 5XSLDK
Call money 3.004.000 4.554.000 Call money
Giro 14.488 43.419 Current accounts
3.172.022 4.680.150
Call money - 10.000.000 121.700 Call money
3.172.022 4.801.850
7RWDO 7RWDO
110

37%$1.3(0%$1*81$1'$(5$+ 37%$1.3(0%$1*81$1'$(5$+
-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
'$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6 729
&$7$7$1$7$6/$325$1.(8$1*$1 127(6727+(&2162/,'$7('),1$1&,$/
.2162/,'$6,$1 67$7(0(176

6,03$1$1'$5,%$1./$,1ODQMXWDQ '(326,76)52027+(5%$1.6FRQWLQXHG
Call money pada tanggal 31 Desember 2014 Call money as of December 31, 2014 and
dan 2013 memiliki jatuh tempo kurang dari 2013, has a maturity period of less than 1
1 (satu) bulan. (one) month.

MDQJNDZDNWX

'HVHPEHU 'HVHPEHU
'HFHPEHU 'HFHPEHU
5XSLDK 5XSLDK
1 bulan 45.241 59.527 1 month
3 bulan 5.260 4.810 3 months
6 bulan 200 125 6 months
12 bulan 21.848 14.775 12 months
24 bulan 301 3.075 24 months



d. Tidak terdapat simpanan dari bank lain yang d. There are no deposits from other banks which
diblokir dan dijadikan jaminan atas pinjaman are blocked and pledged as loan collateral as
yang diberikan pada tanggal-tanggal of December 31, 2014 and 2013.
()(.()(. <$1* ',-8$/ '(1*$1 -$1-, 0$5.(7$%/( 6(&85,7,(6 62/' 81'(5
',%(/,.(0%$/, 5(385&+$6($*5((0(176
Pada tanggal 31 Desember 2014, rincian saldo As of December 31, 2014, the details of marketable
efek-efek yang dijual dengan janji dibeli kembali securities sold under repurchase agreements are
adalah sebagai berikut: as follows:
'HVHPEHU'HFHPEHU
%HEDQ%XQJD
7DQJJDO \DQJ%HOXP
-HQLV6XUDW 3HPEHOLDQ +DUJD3HPEHOLDQ 'LDPRUWLVDVL
1DVDEDK 7\SHRI 1RPLQDO &RPPHQFHPHQW 5HSXUFKDVH 5HSXUFKDVH ,QWHUHVW &DUU\LQJ
&XVWRPHU 6HFXULWLHV $PRXQW 'DWH 'DWH 3ULFH ([SHQVH 9DOXH

3LKDNNHWLJD7KLUGSDUWLHV
PT Bank Chinatrust Indonesia SUN FR0027 100.000 5 Des / 5 Feb / 92.519 578 91.941
Dec 5, 2014 Feb 5, 2015
SUN FR0027 100.000 3 Des / 3 Feb / 92.552 545 92.007
SPN 12151001 100.000 2 Des / 2 Mar / 86.827 921 85.906
Dec 2, 2014 Mar 2, 2015
Dec 3, 2014 Feb 3, 2015
SR004 50.000 3 Des / 5 Jan / 44.622 31 44.591
Dec 3, 2014 Jan 5, 2015
SUN FR0027 50.000 4 Des / 4 Mar / 46.529 532 45.997
Dec 4, 2014 Mar 4, 2015
SUN FR0027 50.000 4 Des / 4 Mar / 46.529 532 45.997
Dec 4, 2014 Mar 4, 2015
SR004 50.000 5 Des / 5 Mar / 45.093 524 44.569
Dec 5, 2014 Mar 5, 2015
111

37%$1.3(0%$1*81$1'$(5$+ 37%$1.3(0%$1*81$1'$(5$+
-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
730 '$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6
&$7$7$1$7$6/$325$1.(8$1*$1 127(6727+(&2162/,'$7('),1$1&,$/
.2162/,'$6,$1 67$7(0(176

()(.()(. <$1* ',-8$/ '(1*$1 -$1-, 0$5.(7$%/( 6(&85,7,(6 62/' 81'(5
',%(/,.(0%$/,ODQMXWDQ 5(385&+$6($*5((0(176FRQWLQXHG
adalah sebagai berikut (lanjutan): as follows (continued):

'HVHPEHU'HFHPEHU
%HEDQ%XQJD
7DQJJDO \DQJ%HOXP

PT Bank Negara Indonesia

(Persero) Tbk IDSD170415182S 200.000 8 Des / 8 Jan / 176.645 212 176.433
Dec 8, 2014 Jan 8, 2015
IDSD300415181S 200.000 9 Des / 8 Jan / 176.173 211 175.962
Dec 9, 2014 Jan 8, 2015
IDSD080515182S 200.000 10 Des / 9 Jan / 175.953 243 175.710
Dec 10, 2014 Jan 9, 2015
IDSD050615182S 150.000 11 Des / 12 Jan / 131.341 249 131.092
Dec 11, 2014 Jan 12, 2015
IDSD220515182S 100.000 11 Des / 12 Jan / 87.797 167 87.630
Dec 11, 2014 Jan 12, 2015
PT Bank Bukopin Tbk IDSD240415182S 125.000 19 Des / 19 Jan / 110.495 352 110.143
Dec 19, 2014 Jan 19, 2015
IDSD090615182S 100.000 19 Des / 19 Jan / 87.648 288 87.360
Dec 19, 2014 Jan 19, 2015
IDSD240415182S 25.000 19 Des / 19 Jan / 22.103 73 22.030
Dec 19, 2014 Jan 19, 2015
PT Bank Nagari
(Persero) Tbk SUN FR0027 50.000 22 Des / 22 Jan / 45.734 170 45.564
Dec 22, 2014 Jan 22, 2015
SUN FR0027 50.000 22 Des / 22 Jan / 45.734 170 45.564
Dec 22, 2014 Jan 22, 2015
PT Bank Rakyat Indonesia

Dec 29, 2014 Jan 12, 2015
IDSD230615182S 250.000 30 Des / 13 Jan / 230.405 519 229.886
Dec 30, 2014 Jan 13, 2015
IDSD06021591S 100.000 29 Des / 12 Jan / 94.570 180 94.390
Dec 29, 2014 Jan 12, 2015
7RWDO

112

37%$1.3(0%$1*81$1'$(5$+ 37%$1.3(0%$1*81$1'$(5$+
-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
'$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6 731
&$7$7$1$7$6/$325$1.(8$1*$1 127(6727+(&2162/,'$7('),1$1&,$/
.2162/,'$6,$1 67$7(0(176

()(.()(. <$1* ',-8$/ '(1*$1 -$1-, 0$5.(7$%/( 6(&85,7,(6 62/' 81'(5
',%(/,.(0%$/,ODQMXWDQ 5(385&+$6($*5((0(176FRQWLQXHG
adalah sebagai berikut: as follows:
'HVHPEHU'HFHPEHU
%HEDQ%XQJD
7DQJJDO \DQJ%HOXP

3LKDNNHWLJD7KLUGSDUWLHV
PT Bank Bukopin Tbk SUN FR 26 265.000 12 Nov / 13 Jan / 251.486 629 250.857
Nov 12, 2013 Jan 13, 2014
SUN FR 26 150.000 14 Nov / 15 Jan / 142.351 411 141.940
Nov 14, 2013 Jan 15, 2014
SUN FR 27 115.000 14 Nov / 15 Jan / 109.145 315 108.830
Nov 14, 2013 Jan15, 2014
SUN FR 27 370.000 15 Nov / 6 Jan / 349.261 417 348.844
Nov 15, 2013 Jan 6, 2014
ORI 008 140.000 15 Nov / 6 Jan / 127.928 153 127.775
Nov 15, 2013 Jan 6, 2014
PT Bank Central Asia Tbk IDSD170414182S 150.000 19 Des / 20 Jan / 125.525 467 125.058
Dec 19, 2013 Jan 20, 2014
PT Bank Negara Indonesia
Dec 19, 2013 Jan 9, 2014
IDSD170414182S 110.000 19 Des / 9 Jan / 97.218 159 97.059
Dec 19, 2013 Jan 9, 2014
IDSD170414182S 115.000 30 Des / 6 Jan / 101.586 106 101.480
Dec 30, 2013 Jan 6, 2014
IDSD170414182S 110.000 30 Des / 6 Jan / 97.169 102 97.067
Dec 30, 2013 Jan 6, 2014
PT Bank Mandiri
(Persero) Tbk SPN 12140703 390.000 18 Des / 8 Jan / 339.934 471 339.463
Dec 18, 2013 Jan 8, 2014
SPN 12140731 450.000 18 Des / 8 Jan / 390.243 541 389.702
Dec 18, 2013 Jan 8, 2014
ORI008 275.000 23 Des / 6 Jan / 247.914 256 247.658
Dec 23, 2013 Jan 6, 2014
PT Bank Panin Tbk IDSD170414182S 120.000 23 Des / 17 Jan / 106.197 339 105.858
Dec 23, 2013 Jan 17, 2014
IDSD240414182S 250.000 23 Des / 17 Jan / 220.915 705 220.210
Dec 23, 2013 Jan 17, 2014
IDSD23011491S 200.000 23 Des / 17 Jan / 179.785 572 179.213
Dec 23, 2013 Jan 17, 2014
7RWDO

113

37%$1.3(0%$1*81$1'$(5$+ 37%$1.3(0%$1*81$1'$(5$+
-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
732 '$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6
&$7$7$1$7$6/$325$1.(8$1*$1 127(6727+(&2162/,'$7('),1$1&,$/
.2162/,'$6,$1 67$7(0(176

()(.+87$1*<$1*',7(5%,7.$1 '(%76(&85,7,(6,668('

'HVHPEHU 'HVHPEHU
'HFHPEHU 'HFHPEHU
Obligasi VII Bank Jabar Banten 1.724.000 2.000.000 Bank Jabar Banten Bonds VII
Obligasi VI Bank Jabar Banten - 400.000 Bank Jabar Banten Bonds VI
1.724.000 2.400.000
Beban emisi obligasi Unamortized
yang belum diamortisasi (2.099) (3.389) bonds issuance cost
7RWDO 7RWDO
D 2EOLJDVL9,,%DQN-DEDU%DQWHQ D %DQN-DEDU%DQWHQ%RQGV9,,

Pada tanggal 10 Februari 2011, Bank On February 10, 2011, the Bank issued Bank
menerbitkan Obligasi VII Bank Jabar Banten. Jabar Banten Bonds VII. The bonds were
Obligasi ini ditawarkan sebesar nilai nominal, offered at their nominal value, listed in the
dicatatkan di Bursa Efek Indonesia dan Indonesia Stock Exchange and became
dinyatakan efektif berdasarkan surat effective based on Bapepam-LK Decision
keputusan Bapepam-LK pada tanggal Letter dated January 31, 2011.
31 Januari 2011.
Obligasi VII Bank Jabar Banten terdiri dari: Bank Jabar Banten Bonds VII consisted of:
1) Seri A dengan nilai nominal Rp276.000 1) Series A with nominal value of Rp276,000
dengan suku bunga tetap sebesar 9,2% with fixed interest rate of 9.2% per annum
per tahun yang dibayarkan setiap tiga which is payable every three months; with
bulan dan jangka waktu selama tiga tahun a three-year term; and are due on
dan akan jatuh tempo pada tanggal February 9, 2014.
9 Pebruari 2014.
2) Seri B dengan nilai nominal Rp601.000 2) Series B with nominal value of Rp601,000
dengan suku bunga tetap sebesar 10,2% with fixed interest rate of 10.2% per
per tahun yang dibayarkan setiap tiga annum which is payable every three
bulan dan jangka waktu selama lima months; with a five-year term; and are
tahun dan akan jatuh tempo pada tanggal due on February 9, 2016.
9 Februari 2016.
3) Seri C dengan nilai nominal Rp1.123.000 3) Series C with nominal value of

dengan suku bunga tetap sebesar 10,4% Rp1,123,000 with fixed interest rate of
per tahun yang dibayarkan setiap tiga 10.4% per annum which is payable every
bulan dan jangka waktu selama tujuh three months; with a seven-year term;
tahun dan akan jatuh tempo pada tanggal and are due on February 9, 2018.
9 Februari 2018.
Pada tanggal 7 Februari 2014, Obligasi VII As of February 7, 2014, Bank Jabar Banten
Bank Jabar Banten Seri A dengan nilai Bonds VII Series A with a total nominal value
nominal Rp276.000 telah dilunasi oleh Bank. of Rp276,000 had been redeemed by the
Bank.
Obligasi VII Bank Jabar Banten tidak dijamin Bank Jabar Banten Bonds VII are not secured
dengan jaminan khusus, tetapi dijamin dengan by specific collateral, but are secured by all
seluruh harta kekayaan Bank. assets of the Bank.
Pada tanggal 31 Desember 2014, peringkat As of December 31, 2014, the rating of the
surat berharga ini menurut Pefindo adalah bonds based on Pefindo was id AA-.
AA-.
114

37%$1.3(0%$1*81$1'$(5$+ 37%$1.3(0%$1*81$1'$(5$+
-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
'$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6 733
&$7$7$1$7$6/$325$1.(8$1*$1 127(6727+(&2162/,'$7('),1$1&,$/
.2162/,'$6,$1 67$7(0(176

()(.+87$1*<$1*',7(5%,7.$1ODQMXWDQ '(%76(&85,7,(6,668('FRQWLQXHG

D 2EOLJDVL9,,%DQN-DEDU%DQWHQODQMXWDQ D %DQN-DEDU%DQWHQ%RQGV9,,FRQWLQXHG

Selama jangka waktu obligasi tersebut di atas, During the term of the above bonds, without
tanpa ijin tertulis dari wali amanat, Bank tidak the written permission of the trustee, the Bank
diperkenankan untuk: is not allowed to:

1) menerbitkan obligasi atau instrumen 1) issue bonds or other similar debt
hutang lainnya yang sejenis yang instruments which have a higher rank than
mempunyai kedudukan lebih tinggi dan the debt securities issued and whose
pembayaran didahulukan dari efek payments are prioritized over the debt
hutang, kecuali pengeluaran obligasi atau securities issued, except for the issue of
instrumen hutang lain yang sejenis yang bonds where the collateral is not bound
tidak mempunyai jaminan khusus; maka under the existing trust agreements;
Bank tidak memerlukan persetujuan except for the issue of bonds or other
tertulis dari wali amanat, namun cukup similar debt instruments which do not have
menyampaikan pemberitahuan secara specific collateral, then the Bank does not
tertulis kepada wali amanat, segera need written permission from the trustee,
setelah Bank mempunyai rencana untuk the Bank only required to submit written
mengeluarkan obligasi atau instrumen announcement to the trustee, right after
hutang lain yang sejenis tersebut; the Bank’s plan to issue the bonds or other
similar debt instruments;
2) mengurangi modal dasar dan modal 2) reduce the authorized capital and paid-
disetor; up capital;
3) melakukan penggabungan, konsolidasi, 3) perform any merger, consolidation or
akuisisi dengan perusahaan lain yang acquisition with other companies which
menyebabkan bubarnya Bank, atau yang causes the liquidation of the Bank, or has
mempunyai akibat negatif terhadap a negative impact on the continuity of the
kelangsungan usaha Bank, atau Bank’s business, or to allow subsidiaries
mengijinkan entitas anak (bila ada) untuk (if any) to perform any merger,
melakukan penggabungan, konsolidasi, consolidation, and/or acquisition with other
dan/atau akuisisi dengan perusahaan lain companies which would cause the
yang menyebabkan bubarnya entitas liquidation of the subsidiary (if any), or
anak (bila ada) atau yang mempunyai have a negative impact on the continuity of
akibat negatif terhadap kelangsungan the subsidiary’s business (if any), except if
usaha entitas anak (bila ada), kecuali it is conducted by the following criteria:
sepanjang dilakukan sesuai dengan
ketentuan sebagai berikut:
i. semua syarat dan kondisi obligasi i. all requirements and conditions of the
dalam perjanjian perwaliamanatan bonds in the trustee agreement and
dan dokumen lain yang berkaitan other related documents are still valid
tetap berlaku dan mengikat and completely bind the surviving
sepenuhnya perusahaan penerus company, and in the case where the
(surviving company), dan dalam hal Bank is not a surviving company, then
Bank bukan merupakan perusahaan all obligations related to the bond have
penerus, maka seluruh kewajiban been transferred legally to the surviving
obligasi telah dialihkan secara sah company, and the surviving company
kepada perusahaan penerus, dan have adequate assets and capability to
perusahaan penerus tersebut guarantee the payment of the bond and
memiliki aktiva dan kemampuan one of the surviving company’s
yang memadai untuk menjamin business line is engaged in banking
pembayaran obligasi dan industry; or
perusahaan penerus tersebut salah
satu bidang usahanya adalah
bergerak dalam bidang perbankan;
atau
ii. disyaratkan oleh perundang- ii. is required by the prevailing law in
undangan yang berlaku di Negara Indonesia;
Republik Indonesia;
115

37%$1.3(0%$1*81$1'$(5$+ 37%$1.3(0%$1*81$1'$(5$+
-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
734 '$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6
&$7$7$1$7$6/$325$1.(8$1*$1 127(6727+(&2162/,'$7('),1$1&,$/
.2162/,'$6,$1 67$7(0(176


D 2EOLJDVL9,,%DQN-DEDU%DQWHQODQMXWDQ D %DQN-DEDU%DQWHQ%RQGV9,,FRQWLQXHG

Selama jangka waktu obligasi tersebut di atas, During the term of the above bonds, without
tanpa ijin tertulis dari wali amanat, Bank tidak the written permission of the trustee, the Bank
diperkenankan untuk (lanjutan): is not allowed to (continued):

4) melakukan penjualan atau pengalihan 4) sell or transfer the Bank’s fixed assets to
aset tetap milik Bank kepada pihak other parties which in one year exceed
manapun yang dalam satu tahun berjalan 50% of all fixed assets owned by the Bank
melebihi 50% dari seluruh aset tetap milik based on the last audited financial
Bank berdasarkan laporan keuangan statements, in one or combined
terakhir yang diaudit, dalam satu transaction, in 1 (one) year;
transaksi atau gabungan transaksi dalam
1 (satu) tahun berjalan;
5) melakukan transaksi dengan pihak 5) conduct transactions with affiliated parties,

terafiliasi kecuali bila transaksi tersebut except if the transaction is performed with
dilakukan dengan persyaratan yang terms and conditions which bring benefits
menguntungkan Bank atau setidak- to the Bank or at a minimum, similar to the
tidaknya sama dengan persyaratan yang terms and conditions of transactions
diperoleh Bank dari pihak ketiga yang conducted with third parties which are
bukan terafiliasi dalam transaksi yang affiliated in common transactions; and
lazim; dan
6) memberi pinjaman kepada atau 6) grant loans or to invest in the form of

melakukan investasi dalam bentuk investments in share participation in other
penyertaan saham pada pihak lain dan parties or to allow subsidiaries (if any) to
mengijinkan entitas anak (bila ada) grant loans to or to invest in the form of
memberi pinjaman kepada atau investments in shares in other parties,
melakukan investasi dalam bentuk except if it is in line with its business
penyertaan saham pada pihak lain, activities, in accordance with The Articles
kecuali dilakukan sehubungan dengan of Association of the Bank or other
kegiatan yang sesuai dengan bidang financial service field, or related with the
usahanya, sesuai dengan anggaran construction of Bank’s operations facility
dasar Bank atau bidang jasa keuangan and/or subsidiaries (if any) and employee
lainnya atau sehubungan dengan loan, Bank’s employee cooperation and
pembangunan fasilitas usaha Bank foundation, and/or susidiaries’ employee
dan/atau entitas anak (bila ada) yang cooperation and foundation (if any).
bersangkutan dan pinjaman kepada
karyawan, koperasi dan yayasan
karyawan Bank dan/atau karyawan,
koperasi dan yayasan karyawan entitas
anak (bila ada).

Selama tahun 2014 dan 2013, Bank tidak During 2014 and 2013, the Bank did not
melanggar persyaratan-persyaratan dalam breach the covenants of the above debt
penerbitan efek hutang tersebut. securities issued.
116

37%$1.3(0%$1*81$1'$(5$+ 37%$1.3(0%$1*81$1'$(5$+
-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
'$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6 735
&$7$7$1$7$6/$325$1.(8$1*$1 127(6727+(&2162/,'$7('),1$1&,$/
.2162/,'$6,$1 67$7(0(176

E 2EOLJDVL9,%DQN-DEDU%DQWHQ E %DQN-DEDU%DQWHQ%RQGV9,
Obligasi VI Bank Jabar Banten diterbitkan Bank Jabar Banten Bonds VI was issued on
pada tanggal 10 Juli 2009 terdiri dari: July 10, 2009, and consisted of:
1) Seri A dengan nilai nominal Rp350.000 1) Series A with nominal value of Rp350,000
dengan suku bunga tetap sebesar 12,00% with fixed interest rate of 12.00% per
per tahun yang dibayarkan setiap tiga annum which is payable every three
bulan dan jangka waktu selama tiga tahun months; with a three-year term; and are
dan akan jatuh tempo pada tanggal 10 Juli due on July 10, 2012. The bonds was
2012. Obligasi ditawarkan sebesar nilai offered at its nominal value. listed on the
nominal, dicatat di Bursa Efek Surabaya Surabaya Stock Exchange (currently the
(sekarang Bursa Efek Indonesia) pada Indonesia Stock Exchange) on July 13,
tanggal 13 Juli 2009 dan dinyatakan 2009 and became effective based on
efektif berdasarkan surat keputusan Bapepam-LK decision letter dated June
Bapepam-LK pada tanggal 30 Juni 2009. 30, 2009.
Obligasi VI Bank Jabar Banten Seri A Bank Jabar Banten Bonds VI Series A
dengan nilai nominal Rp350.000 telah with a total nominal value of Rp350,000
dilunasi oleh Bank pada tanggal jatuh had been redeemed by the Bank on the
tempo. due date.
2) Seri B dengan nilai nominal 2) Series B with nominal value of

Rp400.000 dengan tingkat suku bunga Rp400,000 with fixed interest rate of
tetap sebesar 12,50% per tahun yang 12.50% per annum which is payable
dibayarkan setiap tiga bulan dan jangka every three months; with a five-year
waktu selama lima tahun dan akan jatuh term; and are due on July 10, 2014. The
tempo pada tanggal 10 Juli 2014. Obligasi bonds were offered at their nominal
ditawarkan sebesar nilai nominal, dicatat value, listed on the Surabaya Stock
di Bursa Efek Surabaya (sekarang Bursa Exchange (currently the Indonesia Stock
Efek Indonesia) pada tanggal 13 Juli 2009 Exchange) on July 13, 2009 and became
dan dinyatakan efektif berdasarkan surat effective based on Bapepam-LK decision
keputusan Bapepam-LK pada tanggal letter dated June 30, 2009.
30 Juni 2009.
Obligasi VI Bank Jabar Banten Seri B Bank Jabar Banten Bonds VI Series B with
dengan nilai nominal Rp400.000 telah a total nominal value of Rp400,000 had
dilunasi oleh Bank pada tanggal jatuh been redeemed by the Bank on the due
tempo. date.
Obligasi VI Bank Jabar Banten tidak dijamin Bank Jabar Banten Bonds VI are not secured
dengan jaminan khusus, tetapi dijamin dengan by specific collateral, but are secured by all
seluruh harta kekayaan Bank. assets of the Bank.
Selama jangka waktu obligasi-obligasi tersebut During the term of the above bonds, without
diatas, tanpa ijin tertulis dari wali amanat, Bank the written permission of the trustee, the Bank
tidak diperkenankan untuk: is not allowed:
1) menerbitkan obligasi atau instrumen 1) to issue bonds or other similar debt

hutang lainnya yang sejenis yang instruments which have a higher rank
mempunyai kedudukan lebih tinggi dan than the debt securities issued and whose
pembayaran didahulukan dari efek payments are prioritized over the debt
hutang, kecuali penerbitan obligasi yang securities issued, except for the issue of
agunannya tidak terikat berdasarkan bonds where the collateral is not bound
perjanjian perwaliamanatan yang ada saat under the existing trust agreements;
ini;
117

37%$1.3(0%$1*81$1'$(5$+ 37%$1.3(0%$1*81$1'$(5$+
-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
736 '$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6
&$7$7$1$7$6/$325$1.(8$1*$1 127(6727+(&2162/,'$7('),1$1&,$/
.2162/,'$6,$1 67$7(0(176

E 2EOLJDVL9,%DQN-DEDU%DQWHQODQMXWDQ E %DQN-DEDU%DQWHQ%RQGV9,FRQWLQXHG
Selama jangka waktu obligasi-obligasi tersebut During the term of the above bonds, without
diatas, tanpa ijin tertulis dari wali amanat, Bank the written permission of the trustee, the Bank
tidak diperkenankan untuk (lanjutan): is not allowed (continued):
2) menjaminkan sebagian maupun seluruh 2) to pledge part or all of the Bank’s existing
pendapatan atau harta kekayaan Bank or future income or assets which are
yang ada pada saat ini maupun di masa currently pledged as the bond’s collateral
yang akan datang yang menjadi jaminan based on the trust agreement; to make
berdasarkan perjanjian perwaliamanatan; changes in its main business activities
melaksanakan perubahan bidang usaha and/or to grant permission or approval to
utama dan/atau memberikan ijin atau subsidiaries (if any) to make changes to
persetujuan kepada entitas anak (bila their main business activities;
ada) untuk mengadakan perubahan
bidang usaha utamanya;
3) mengurangi modal dasar dan modal 3) to reduce the authorized capital and paid-
disetor; up capital;
4) melakukan penggabungan, konsolidasi 4) to perform any merger, consolidation or

atau akuisisi dengan perusahaan lain acquisition with other companies which
yang menyebabkan bubarnya Bank, atau causes the liquidation of the Bank, or has
yang mempunyai akibat negatif terhadap a negative impact on the continuity of the
kelangsungan usaha Bank, atau Bank’s business, or to allow subsidiaries
mengijinkan entitas anak (bila ada) untuk (if any) to perform any merger,
melakukan penggabungan, konsolidasi, consolidation, and/or acquisition with
dan/atau akuisisi dengan perusahaan lain other companies which would cause the
yang menyebabkan bubarnya entitas anak liquidation of the subsidiary (if any), or
(bila ada) atau yang mempunyai akibat have a negative impact on the continuity
negatif terhadap kelangsungan usaha of the subsidiary’s business (if any);
entitas anak (bila ada);
5) melakukan penjualan atau pengalihan 5) to sell or transfer the Bank’s fixed assets
aset tetap milik Bank kepada pihak to other parties which in one year exceed
manapun yang dalam satu tahun berjalan 50% of all fixed assets owned by the
melebihi 50% dari seluruh aset tetap milik Bank based on the last audited financial
Bank berdasarkan laporan keuangan statements;
terakhir yang diaudit;
6) melakukan transaksi dengan pihak 6) to conduct transactions with affiliated

terafiliasi, kecuali bila transaksi tersebut parties, except if the transaction is
dilakukan dengan persyaratan yang performed with terms and conditions
menguntungkan Bank atau setidak- which bring benefits to the Bank or at a
tidaknya sama dengan persyaratan yang minimum, similar to the terms and
diperoleh emiten dari pihak ketiga yang conditions of transactions conducted with
bukan terafiliasi; dan third parties which are affiliated; and
7) memberi pinjaman kepada atau 7) to grant loans or to invest in the form of

melakukan investasi dalam bentuk investments in share participation in other
penyertaan saham pada pihak lain dan parties or to allow subsidiaries (if any) to
mengijinkan entitas anak (bila ada) grant loans to or to invest in the form of
memberi pinjaman kepada atau investments in shares in other parties,
melakukan investasi dalam bentuk except if it is in line with its business
penyertaan saham pada pihak lain, activities.
kecuali dilakukan sehubungan dengan
kegiatan yang sesuai dengan bidang
usahanya.
118

37%$1.3(0%$1*81$1'$(5$+ 37%$1.3(0%$1*81$1'$(5$+
-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
'$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6 737
&$7$7$1$7$6/$325$1.(8$1*$1 127(6727+(&2162/,'$7('),1$1&,$/
.2162/,'$6,$1 67$7(0(176

E 2EOLJDVL9,%DQN-DEDU%DQWHQODQMXWDQ E %DQN-DEDU%DQWHQ%RQGV9,FRQWLQXHG
Pada tahun 2014 dan 2013, Bank telah In 2014 and 2013, the Bank has amortized the
mengamortisasi biaya emisi obligasi masing- bonds issuance cost amounting to Rp1,290
masing sebesar Rp1.290 dan Rp1.520 yang and Rp1,520, Respectively, recorded in the
dicatat dalam laporan laba rugi komprehensif consolidated statements of comprehensive
konsolidasian. income.
Selama tahun 2014 dan 2013, Bank tidak During 2014 and 2013, the Bank did not
melanggar persyaratan-persyaratan dalam breach the covenants of the above debt
penerbitan efek hutang tersebut. securities issued.
3,1-$0$1<$1*',7(5,0$ %2552:,1*6

'HVHPEHU 'HVHPEHU
'HFHPEHU 'HFHPEHU
5XSLDK 5XSLDK
Pemerintah Provinsi Jawa Barat West Java Province’s Government
Kredit Cinta Rakyat 335.000 235.000 Cinta Rakyat Loan
PT Sarana Multigriya Finance 13.000 13.000 PT Sarana Multigriya Finance
PT Bank Andara 10.281 19.993 PT Bank Andara
Departemen Keuangan 15.374 269 Ministry of Finance
7RWDO 7RWDO
.UHGLW&LQWD5DN\DW &LQWD5DN\DW/RDQ
Pinjaman Kredit Cinta Rakyat merupakan kredit Kredit Cinta Rakyat borrowings are loans granted
yang diberikan kepada pelaku usaha perorangan to individual enterprise and/or small and micro
dan/atau badan usaha perorangan mikro dan kecil enterprises in productive economic sector in West
dalam sektor ekonomi produktif yang ada di Java Province, for working capital and/or
wilayah Provinsi Jawa Barat untuk tujuan modal investment that follow West Java Province’s
kerja dan/atau investasi yang mengikuti program Government Revolving Fund Programme. Total
dana bergulir dari Pemerintah Provinsi Jawa facility is Rp165,000; through Agreement
Barat. Jumlah fasilitas pinjaman ini sebesar No. 112/PKS/DIR-MK/2011 dated December 12,
Rp165.000, melalui Perjanjian Kerjasama 2011 and will be due in 5 (five) years. This
No. 112/PKS/DIR-MK/2011 pada tanggal borrowings bears no interest.
12 Desember 2011 dengan jangka waktu selama
5 (lima) tahun. Pinjaman ini tidak dikenakan
bunga.
Pemerintah Provinsi Jawa Barat menambah jumlah West Java Province’s Government add total facility
fasilitas pinjaman ini sebesar Rp50.000, melalui to Rp50,000; through Agreement
Perjanjian Kerjasama No. 050/PKS/DIR-MK/2013 No. 050/PKS/DIR-MK/2013 dated April 11, 2013
pada tanggal 11 April 2013 dengan jangka waktu and will be due in 5 (five) years, Rp20,000;
selama 5 (lima) tahun, sebesar Rp20.000, melalui through Agreement No. 102/PKS/DIR-MK/2013
Perjanjian Kerjasama No. 102/PKS/DIR-MK/2013 dated December 5, 2013 and will be due in 5 (five)
pada tanggal 5 Desember 2013 dengan jangka years, and Rp100,000; through Agreement No.
waktu selama 5 (lima) tahun, dan sebesar 082/PKS/DIR-MK/2014 dated September 11, 2014
Rp100.000, melalui Perjanjian Kerjasama and will be due in 5 (five) years. This borrowings
No. 082/PKS/DIR-MK/2014 pada tanggal bears no interest.
11 September 2014 dengan jangka waktu selama 5
(lima) tahun. Pinjaman ini tidak dikenakan bunga.
119

37%$1.3(0%$1*81$1'$(5$+ 37%$1.3(0%$1*81$1'$(5$+
-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
738 '$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6
&$7$7$1$7$6/$325$1.(8$1*$1 127(6727+(&2162/,'$7('),1$1&,$/
.2162/,'$6,$1 67$7(0(176

3,1-$0$1<$1*',7(5,0$ODQMXWDQ %2552:,1*6FRQWLQXHG
'HSDUWHPHQ.HXDQJDQ 0LQLVWU\RI)LQDQFH
Merupakan fasilitas pinjaman dalam rupiah yang The loans represent facilities in rupiah obtained
diperoleh melalui Departemen Keuangan, yang through the Ministry of Finance which are used to
ditujukan untuk membiayai proyek-proyek tertentu finance specific projects in Indonesia.
di Indonesia.
Pinjaman tersebut merupakan dana bergulir yang The borrowings are revolving funds provided by
diberikan oleh Pemerintah, dalam hal ini Lembaga the Government, through Lembaga Pengelola
Pengelola Dana Bergulir (LPBD) Kementerian Dana Bergulir (LPBD) Ministry of Cooperatives for
Negara Koperasi Usaha Kecil Menengah dan Small Medium Enterprises and Cooperatives, in
Koperasi, dalam rangka penyaluran kredit the framework of community development lending
pemberdayaan masyarakat kepada Bank sebagai to the Bank as an appointed financial institution,
lembaga keuangan pelaksana yang ditunjuk, using an executing pattern.
dengan menggunakan pola executing.
Tidak terdapat aset Bank yang dijadikan agunan There are no Bank’s assets which are pledged as
atas pinjaman yang diterima di atas. collateral with respect to above mention
borrowings.
Bank bertindak sebagai penerus pinjaman untuk The Bank is acting as an executing bank for all
semua pinjaman yang diterima di mana Bank these borrowings and therefore the Bank bears the
menanggung risiko kredit tidak tertagihnya piutang. credit risk arising from uncollectible receivables.
Pada tahun 2014 dan 2013 Bank telah memenuhi In 2014 and 2013, the Bank has settled all the
semua jadwal semua pembayaran pokok dan principal and interest of fund borrowing which has
bunga pinjaman yang telah jatuh tempo. Bank juga matured through schedule payments. Bank has
telah memenuhi semua persyaratan yang complied with all of the existing term of the fund
ditetapkan dalam perjanjian pinjaman di atas. borrowing agreement.
37%DQN&,0%1LDJD7EN 37%DQN&,0%1LDJD7EN
PD BPR LPK Jalan Cagak (entitas anak) PD BPR LPK Jalan Cagak (subsidiary) received 4
mendapatkan 4 (empat) fasilitas pinjaman dari (four) borrowing facility from PT Bank CIMB Niaga
PT Bank CIMB Niaga Tbk dengan total plafond Tbk with a total plafond of Rp50.380. This
sebesar Rp50.380. Pinjaman ini memiliki jangka borrowing has a period ranging from 60 to 72
waktu berkisar antara 60 sampai dengan 72 bulan months with interest rate ranging from 11.00% to
dengan suku bunga pinjaman berkisar antara 14.50% per annum.
11,00% sampai dengan 14,50% per tahun.
PD BPR LPK Garut Kota (entitas anak) PD BPR LPK Garut Kota (subsidiary) received 2
mendapatkan 2 (dua) fasilitas pinjaman dari (two) borrowing facility from PT Bank CIMB Niaga
PT Bank CIMB Niaga Tbk dengan total plafond Tbk with a total plafond of Rp16,000 and period of
sebesar Rp16.000 dengan jangka waktu 60 bulan 60 months and interest ranging from 11.00% and
dan bunga sebesar 11,00% dan 13,00% per tahun. 13.00% per annum.
Bank telah semua persyaratan yang ditetapkan Bank has complied with all of the existing term of
dalam perjanjian pinjaman. the fund borrowing agreement.
37%DQN0DQGLUL3HUVHUR7EN 37%DQN0DQGLUL3HUVHUR7EN
PD BPR LPK Jalan Cagak (entitas anak) PD BPR LPK Jalan Cagak (subsidiary) received 3
mendapatkan 3 (tiga) fasilitas pinjaman dari (three) borrowing facility from PT Bank Mandiri
PT Bank Mandiri (Persero) Tbk dengan total (Persero) Tbk with a total plafond of Rp9,171. This
plafond sebesar Rp9.171. Pinjaman ini memiliki borrowing will matured in 2015 to 2017. The
akan jatuh tempo pada tahun 2015 sampai dengan interest rate ranging from 11.00% to 13.50% per
2017. Suku bunga pinjaman berkisar antara annum.
11,00% sampai dengan 13,50% per tahun.
120

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-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
'$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6 739
&$7$7$1$7$6/$325$1.(8$1*$1 127(6727+(&2162/,'$7('),1$1&,$/
.2162/,'$6,$1 67$7(0(176

3,1-$0$1<$1*',7(5,0$ODQMXWDQ %2552:,1*6FRQWLQXHG
37%DQN0DQGLUL3HUVHUR7ENODQMXWDQ 37%DQN0DQGLUL3HUVHUR7ENFRQWLQXHG
mendapatkan 3 (tiga) fasilitas pinjaman dari (three) borrowing facility from PT Bank Mandiri
PT Bank Mandiri (Persero) Tbk dengan total (Persero) Tbk with a total plafond of Rp16,031.
plafond sebesar Rp16.031. Pinjaman ini memiliki This borrowing has a period ranging from 24 to 60
jangka waktu yang berkisar antara 24 sampai months. The interest rate ranging from 12.00% to
dengan 60 bulan. Suku bunga pinjaman berkisar 13.50% per annum.
antara 12,00% sampai dengan 13,50% per tahun.
37%DQN$QGDUD 37%DQN$QGDUD
PD BPR LPK Jalan Cagak (entitas anak) T PD BPR LPK Jalan Cagak (subsidiary) received
mendapatkan 3 (tiga) fasilitas pinjaman dari 3 (three) borrowing facility from PT Bank Andara
PT Bank Andara dengan total plafond sebesar with a total plafond of Rp15,000. This borrowing
Rp15.000. Pinjaman ini memiliki jangka waktu 36 has a period of 36 months. The interest rate
bulan dengan suku bunga berkisar antara 11,50% ranging from 11.50% to 12.75% per annum.
sampai dengan 12,75% per tahun.
mendapatkan 3 (tiga) fasilitas pinjaman dari (three) borrowing facility from PT Bank Andara with
PT Bank Andara dengan total plafond sebesar a total plafond of Rp15,000. This borrowing has a
Rp15.000. Pinjaman ini memiliki jangka waktu yang period ranging from 36 to 48 months. The interest
berkisar antara 36 sampai dengan 48 bulan. Suku rate ranging from 11.00% to 13.00% per annum.
bunga pinjaman berkisar antara 11,00% sampai
dengan 13,00% per tahun.
3LQMDPDQ'LWHULPD/DLQQ\D 2WKHU%RUURZLQJV

Pinjaman diterima lainnya terdiri dari: Other borrowings consist of:

'HVHPEHU 'HVHPEHU
'HFHPEHU 'HFHPEHU
5XSLDK 5XSLDK
Nasional Tbk 3.764 - Nasional Tbk
PT Bank Sampoerna 1.269 - PT Bank Sampoerna
PT Bank Danamon Indonesia Tbk 1.262 3.818 PT Bank Danamon Indonesia Tbk
(Persero) Tbk 599 782 (Persero) Tbk
PT Permodalan Nasional Madani - 250 PT Permodalan Nasional Madani
Rekening Dana Investasi PT Bank Investment Fund Account PT Bank
Tabungan Negara (Persero) Tbk - 28 Tabungan Negara (Persero) Tbk
Pinjaman FIDP - 6 FIDP Loans
7RWDO 7RWDO
121

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-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
740 '$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6
&$7$7$1$7$6/$325$1.(8$1*$1 127(6727+(&2162/,'$7('),1$1&,$/
.2162/,'$6,$1 67$7(0(176

(67,0$6, .(58*,$1 .20,70(1 '$1 (67,0$7(' /266(6 21 &200,70(176 $1'
.217,1-(16, &217,1*(1&,(6
D (VWLPDVL NHUXJLDQ NRPLWPHQ GDQ D (VWLPDWHG ORVVHV RQ FRPPLWPHQWV DQG
NRQWLQMHQVL FRQWLQJHQFLHV
'HVHPEHU 'HVHPEHU
'HFHPEHU 'HFHPEHU
5XSLDK 5XSLDK
Fasilitas kredit yang belum
digunakan 936 644 Unused loan facility
Bank garansi 1.194 854 Bank guarantee
7RWDO 7RWDO
E 3HUXEDKDQ HVWLPDVL NHUXJLDQ NRPLWPHQ E 0RYHPHQWV LQ WKH HVWLPDWHG ORVVHV RQ
GDQNRQWLQMHQVL FRPPLWPHQWVDQGFRQWLQJHQFLHV



Pembentukan Provision
selama tahun berjalan 632 65 during the year

estimasi kerugian komitmen dan kontinjensi estimated losses on commitments and
yang dibentuk telah memadai. contingencies is adequate.
3$-$.3(1*+$6,/$1 ,1&20(7$;
D +XWDQJSDMDN D 7D[HVSD\DEOH
'HVHPEHU 'HVHPEHU
'HFHPEHU 'HFHPEHU
%DQN %DQN
Pajak penghasilan badan 13.809 20.010 Corporate income tax
Pajak penghasilan Income tax
Pasal 21 38.565 31.206 Article 21
Pasal 25 17.774 32.857 Article 25
Pasal 4(2) dan 23 17.452 16.743 Articles 4(2) and 23
87.600 100.816
(QWLWDVDQDN 6XEVLGLDU\
Pajak penghasilan badan 9.977 652 Corporate income tax
Pajak penghasilan Income tax
Pasal 21 3.930 83 Article 21
Pasal 4(2) dan 23 4.244 125 Articles 4(2) and 23
18.151 860
7RWDO 7RWDO
122

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-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
'$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6 741
&$7$7$1$7$6/$325$1.(8$1*$1 127(6727+(&2162/,'$7('),1$1&,$/
.2162/,'$6,$1 67$7(0(176

3$-$.3(1*+$6,/$1ODQMXWDQ ,1&20(7$;FRQWLQXHG
E 0DQIDDWEHEDQSDMDN E 7D[EHQHILWH[SHQVH


%DQN %DQN
Pajak kini 307.488 375.447 Current tax
Pajak tangguhan (3.598) (8.679) Deferred tax
303.890 366.768
(QWLWDVDQDN 6XEVLGLDU\
Pajak kini 15.705 11.903 Current tax
Pajak tangguhan (1.140) (2.184) Deferred tax
14.565 9.719
1HWR 1HW
Rekonsiliasi antara beban pajak penghasilan The reconciliation between the tax expense
dengan menggunakan tarif pajak yang berlaku computed by applying the applicable tax rate
dari laba sebelum beban pajak dan beban on the income before tax expense and the tax
pajak penghasilan seperti yang disajikan expense shown in the statement of income
dalam laporan laba rugi komprehensif adalah are as follows:
sebagai berikut:


Laba sebelum beban pajak 1.438.490 1.752.874 Income before tax expense
Laba sebelum beban pajak Income before tax expense-
entitas anak (43.201) (47.730) subsidiaries
Transaksi eliminasi 12.154 38.287 Elimination transaction
Laba sebelum beban pajak (Bank) 1.407.443 1.743.431 Income before tax expense (Bank only)
Pajak dihitung pada tarif Tax expense calculated at

pajak yang berlaku 281.489 348.686 prevailing tax rate
Pengaruh beban yang tidak
dapat dikurangkan 22.401 18.082 Non-deductible expenses
Beban pajak entitas anak 14.565 9.719 Tax expense of subsidaries
%HEDQSDMDNQHWR 7D[H[SHQVHQHW
Rekonsiliasi antara laba sebelum beban pajak The reconciliation between income before tax
menurut laporan laba rugi komprehensif expense, as shown in the statement of
dengan taksiran penghasilan kena pajak, comprehensive income are as follows:
123

37%$1.3(0%$1*81$1'$(5$+ 37%$1.3(0%$1*81$1'$(5$+
-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
742 '$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6
&$7$7$1$7$6/$325$1.(8$1*$1 127(6727+(&2162/,'$7('),1$1&,$/
.2162/,'$6,$1 67$7(0(176


E 0DQIDDWEHEDQSDMDNODQMXWDQ E 7D[EHQHILWH[SHQVHFRQWLQXHG


Laba sebelum beban pajak (Bank) 1.407.443 1.743.431 Income before tax expense (Bank only)

%HGDWHPSRUHU 7HPSRUDU\GLIIHUHQFHV
Pembentukan (pembalikan) Provision for (reversal of)
kerugian kredit (35.811) 78.807 allowance for loan losses
Penghargaan kerja (390) 5.056 Gratuity
Penyisihan (pembalikan) beban Provision for (reversal of)
Corporate Social Responsibility (17.083) 11.852 Corporate Social Responsibility
Penyisihan beban imbalan kerja 23.599 14.434 Provision for employee benefits
Penyisihan (pembalikan) kerugian Provision for (reversal of)
aset non produktif dan possible losses on
aset produktif selain non-earning assets and earning
kredit yang diberikan dan assets other than loans
pembiayaan syariah (3.361) 898 and sharia financing
Kerugian perubahan nilai surat Loss from changes in fair value of
berharga yang diperdagangkan 51.036 (67.654) held-for-trading marketable securities
17.990 43.393
%HGDWHWDS 3HUPDQHQWGLIIHUHQFHV
Beban yang tidak dapat dikurangkan 112.006 90.414 Non-deductible expenses
Laba kena pajak 1.537.439 1.877.238 Taxable income
Beban pajak penghasilan badan 307.488 375.448 Corporate income tax expense
Dikurangi pajak dibayar dimuka (293.679) (355.438) Less prepaid tax
+XWDQJSDMDN SHQJKDVLODQEDGDQ &RUSRUDWHLQFRPHWD[SD\DEOH
Bank akan menyampaikan Surat The Bank will file its Annual Corporate Income
Pemberitahuan Tahunan untuk tahun 2014 Tax Return for 2014 according to the self
sesuai dengan prinsip self assessment assessment principle in accordance with the
berdasarkan perhitungan tersebut di atas. above calculation.
Perhitungan pajak penghasilan badan untuk The calculation of corporate income tax for
tahun yang berakhir pada tanggal the year ended December 31, 2013 conforms
31 Desember 2013 telah sesuai dengan Surat with the Annual Corporate Income Tax Return
Pemberitahuan Tahunan yang dilaporkan ke reported to the tax office.
kantor pajak.
F $VHWSDMDNWDQJJXKDQQHWR F 'HIHUUHGWD[DVVHWVQHW

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ODSRUDQODEDUXJL
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&UHGLWHG
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'HVHPEHU VWDWHPHQWRI 'HVHPEHU
'HFHPEHU FRPSUHKHQVLYH 'HFHPEHU
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Penyisihan beban Corporate Provision for Corporate

Social Responsibility 17.188 (3.417) 13.771 Social Responsibility
Penyisihan imbalan kerja 20.571 4.720 25.291 Provision for employee benefits
Penyisihan kerugian kredit (50.602) (7.162) (57.764) Provision for loan losses
Perubahan nilai wajar Changes in fair value
surat berharga held-for-trading
diperdagangkan (13.671) 10.207 (3.464) marketable securities
124

37%$1.3(0%$1*81$1'$(5$+ 37%$1.3(0%$1*81$1'$(5$+
-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
'$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6 743
&$7$7$1$7$6/$325$1.(8$1*$1 127(6727+(&2162/,'$7('),1$1&,$/
.2162/,'$6,$1 67$7(0(176


F $VHWSDMDNWDQJJXKDQODQMXWDQ F 'HIHUUHGWD[DVVHWVFRQWLQXHG
'LNUHGLWNDQ
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LQFRPH

$VHWOLDELOLWDV 'HIHUUHGWD[DVVHWVOLDELOLWLHV
SDMDNWDQJJXKDQODQMXWDQ FRQWLQXHG

Penyisihan kerugian asset Provision for losses
non produktif dan asset on non-earning assets
produktif selain dari kredit and earning assets
yang diberikan dan other than loan and
pembiayaan syariah 1.532 (672) 860 sharia financing
Penghargaan kerja 1.011 (78) 933 Gratuity
(23.971) 3.598 (20.373)
Entitas anak 5.819 1.140 6.959 Subsidiaries

'LNUHGLWNDQ
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$VHWOLDELOLWDV
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Penyisihan beban Corporate Provision for Corporate

Social Responsibility 14.817 2.371 17.188 Social Responsibility
Penyisihan imbalan kerja 17.684 2.887 20.571 Provision for employee benefits
Penyisihan kerugian kredit (66.363) 15.761 (50.602) Provision for loan losses
Perubahan nilai wajar Changes in fair value
surat berharga held-for-trading
diperdagangkan (140) (13.531) (13.671) marketable securities
Penyisihan kerugian asset Provision for losses
non produktif dan asset on non-earning assets
produktif selain dari kredit and earning assets
yang diberikan dan other than loan and
pembiayaan syariah 1.352 180 1.532 sharia financing
Penghargaan kerja - 1.011 1.011 Gratuity
(32.650) 8.679 (23.971)

Entitas anak 3.635 2.184 5.819 Subsidiaries

Manajemen berkeyakinan bahwa aset pajak Management believes that deferred tax assets
tangguhan dapat dipulihkan dan can be utilized and can be compensated
dikompensasikan dengan laba fiskal pada against future taxable income.
masa mendatang.

125

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-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
744 '$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6
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.2162/,'$6,$1 67$7(0(176


G 6XUDWNHWHWDSDQSDMDN G 7D[DVVHVVPHQWOHWWHUV

Pada tahun 2013, Bank menerima Surat In 2013, the Bank received Tax Assessment
Ketetapan Pajak (SKP) untuk Tahun Pajak Letter (SKP) for Year 2011 regarding
2011 atas PPh Badan, PPh Pasal 4 (2) dan Corporate Income Tax, Income Tax Article 4
Pajak Pertambahan Nilai (PPN). (2) and Value Added Tax.
H 3HUXEDKDQ7DULISDMDN H &KDQJHVLQ7D[UDWH
Pada akhir tahun 2013, Peraturan Pemerintah At end of 2013, Government Regulation
No.81 Tahun 2007 tanggal 28 Desember 2007 No.81 Year 2007 dated December 28, 2007
telah diubah dengan Peraturan Pemerintah was amended by Government Regulation
(PP) No.77 Tahun 2013 tanggal 21 November (PP) No.77 Year 2013 dated November 21,
2013 tentang “Penurunan Tarif Pajak 2013 regarding “Reduction on Income Tax
Penghasilan Bagi Wajib Pajak Badan Dalam Rate for Domestic Listed Companies” which
Negeri yang Berbentuk Perseroan Terbuka” regulates that domestic listed companies can
yang mengatur bahwa wajib pajak dalam obtain reduction on income tax rate at 5%
negeri yang berbentuk perseroan terbuka (five percent) lower than income tax rate of
dapat memperoleh penurunan tarif pajak domestic companies if the following criteria
penghasilan sebesar 5% (lima persen) lebih are met: (a) at least 40% (fourty percent) of
rendah dari tarif pajak penghasilan wajib pajak the total issued shares is recorded and traded
badan dalam negeri bila memenuhi in capital market in Indonesia and includes in
persyaratan sebagai berikut: (a) paling sedikit collective recording at depository and
40% (empat puluh persen) dari jumlah settlement institution, (b) the shares are
keseluruhan saham yang disetor dicatat untuk owned by at least 300 parties, (c) each party
diperdagangkan di bursa efek di Indonesia can only own less than 5% (five percent) of
dan masuk dalam penitipan kolektif di the total issued and fully paid shares, and (d)
lembaga penyimpanan dan penyelesaian, (b) the above requirements must be fulfilled at the
saham tersebut harus dimiliki oleh paling minimum of 183 (one hundred eighty three)
sedikit 300 pihak, (c) masing-masing pihak calendar days in a period of 1 one) fiscal year.
tersebut hanya boleh memiliki saham kurang Regulation on application and supervision of
dari 5% (lima persen) dari keseluruhan saham the reduction on income tax rate will be
ditempatkan dan disetor penuh, dan (d) provided in the Minister of Finance Regulation
ketentuan sebagaimana dimaksud di atas (Peraturan Menteri Keuangan/PMK).
harus dipenuhi dalam waktu paling singkat
183 (seratus delapan puluh tiga) hari kalender
dalam jangka waktu 1 (satu) tahun pajak.
Ketentuan mengenai tata cara pelaksanaan
dan pengawasan pemberian penurunan tarif
pajak penghasilan di atas akan diatur dengan
Peraturan Menteri Keuangan (PMK).
Sampai dengan tanggal laporan keuangan Up to the date of the consolidated financial
konsolidasian ini, Peraturan Menteri Keuangan statements, PMK as mentioned above is not
(PMK) sebagaimana disebut di atas masih issued yet. Currently, the effective date of the
belum diterbitkan. Saat ini, masa mulai PP No. 77 Year 2013 is still in discussion
berlakunya penerapan PP No. 77 Tahun 2013 process and the related regulation on
tersebut masih dalam proses pembahasan transition period of the PP No. 77 Year 2013
dan peraturan terkait masa transisi dari PP is also not issued yet, therefore the
No. 77 Tahun 2013 tersebut masih belum confirmation on the fulfillment on the transition
diterbitkan, sehingga kepastian pemenuhan requirements in accordance with PP No. 77
persyaratan transisi sesuai dengan PP No. 77 Year 2013 is still need to be clarified further.
Tahun 2013 masih perlu diklarifikasi lebih
lanjut.
126

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-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
'$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6 745
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.2162/,'$6,$1 67$7(0(176

H 3HUXEDKDQ7DULISDMDNODQMXWDQ H &KDQJHVLQ7D[UDWHFRQWLQXHG
Manajemen akan terus melakukan Management will continue to monitor the

pemantauan terkait kepastian pemenuhan certainty of the fulfillment of the transition
persyaratan transisi ini. Manajemen requirements. Management believes that the
berkeyakinan bahwa Bank akan memenuhi Bank will fulfill all the requirements to obtain
semua persyaratan untuk memperoleh fasilitas the reduction on income tax rate facility for
penurunan tarif pajak penghasilan untuk tahun 2013 fiscal year.
pajak 2013.
Berdasarkan surat keterangan No. DE/I/2015- Based on Letter No. DE/I/2015-0235 dated
0235 tanggal 6 Januari 2015 dan laporan January 6, 2015 and the monthly report of
bulanan kepemilikan saham (Formulir shares ownerships, form No. X.H.I-2 dated
No. X.H.I-2 tanggal 5 Januari 2015 dari Biro January, 5 2015 from the Securities
Administrasi Efek, Datindo Entrycom atas Administration Agency (Biro Administrasi
kepemilikan saham Bank selama tahun 2014) Efek), Datindo Entrycom on the ownership of
semua kriteria di atas untuk memperoleh Bank’s shares during 2014), all of the above
fasilitas penurunan tarif pajak tersebut atas mentioned required criteria to obtain the tax
laporan keuangan Bank untuk tahun yang rate reduction on Bank’s financial statements
berakhir pada tanggal 31 Desember 2014 for the year ended December 31, 2014 were
telah terpenuhi. fulfilled by Bank.
%81*$<$1*0$6,++$586',%$<$5 ,17(5(673$<$%/(


5XSLDK 5XSLDK
Simpanan nasabah 75.104 68.755 Deposits from customer
Efek hutang yang diterbitkan 25.088 39.512 Debt securities issued
Bagi hasil syariah 17.130 9.095 Sharia profit sharing
Simpanan dari bank lain 3.158 6.194 Deposits from other Banks
Pinjaman yang diterima 1.099 1.099 Borrowings
121.579 124.655
0DWDXDQJDVLQJ )RUHLJQFXUUHQF\
Simpanan nasabah 2.161 27 9.778 118 Deposits from customer
Simpanan dari bank lain - 247 3 Deposits from other Banks
27 121
7RWDO 7RWDO

/,$%,/,7$6/$,1/$,1

27+(5/,$%,/,7,(6

5XSLDK 5XSLDK
Jasa produksi 211.401 265.165 Employee bonus
Penyisihan imbalan kerja Provision for employee benefits
(Catatan 41) 144.485 115.924 (Note 41)
Setoran jaminan 138.418 104.226 Guarantee deposit
127

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-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
746 '$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6
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.2162/,'$6,$1 67$7(0(176

/,$%,/,7$6/$,1/$,1ODQMXWDQ

27+(5/,$%,/,7,(6FRQWLQXHG

5XSLDKODQMXWDQ 5XSLDKFRQWLQXHG

Dana Corporate Social Responsibility Corporate Social Responsibility
(Catatan 33) 68.859 85.942 fund (Note 33)
Provisi dan komisi diterima di muka 7.118 29.719 Unearned provisions and commision
Penghargaan kerja 4.666 5.056 Gratuity
Biaya yang masih harus dibayar 26 7.946 Accrued expense
756.528 788.285
0DWDXDQJDVLQJ )RUHLJQFXUUHQF\
Setoran jaminan Guarantee deposits
Dolar Amerika Serikat 517.396 6.408 632.606 7.699 United States Dollar
Dolar Australia 4.367 44 - Australian Dollar
Euro Eropa 58 1 - European Euro
Provisi dan komisi diterima di muka Unearned provisions and commission
Dolar Australia 367 4 - Australian Dollar
Euro Eropa 76 1 - European Euro
Lain-lain Others
9.693 11.308
7RWDO 7RWDO
Lainnya terutama terdiri dari tagihan dana setoran Others mainly consist of receivables from
modal dan rekening titipan, rekening dalam additional capital and entrusted account, accounts
penyelesaian, titipan THR, dan titipan insentif in process, religious holiday allowance, and
prestasi kerja. entrusted work achivement incentive.
'$1$6<,5.$+7(0325(5 7(0325$5<6<,5.$+)81'6
'HVHPEHU 'HVHPEHU
'HFHPEHU 'HFHPEHU

Rupiah Rupiah
Bukan bank Non - bank
Giro Mudharabah 10 6 Mudharabah current account
Tabungan Mudharabah 3.105 2.160 Mudharabah savings
Deposito Mudharabah 1.932 3.608 Mudharabah time deposit
5.047 5.774
Rupiah Rupiah
Giro Mudharabah 148.075 129.430 Mudharabah current account
Deposito Mudharabah 3.733.056 2.367.194 Mudharabah time deposit
4.248.094 2.770.132
128

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-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
'$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6 747
&$7$7$1$7$6/$325$1.(8$1*$1 127(6727+(&2162/,'$7('),1$1&,$/
.2162/,'$6,$1 67$7(0(176

'$1$6<,5.$+7(0325(5ODQMXWDQ 7(0325$5<6<,5.$+)81'6FRQWLQXHG
'HVHPEHU 'HVHPEHU
'HFHPEHU 'HFHPEHU
3LKDNNHWLJDODQMXWDQ 7KLUGSDUWLHVFRQWLQXHG

Rupiah (lanjutan) Rupiah (continued)
Bank Bank
Giro Mudharabah 5.281 1.304 Mudharabah current account
Deposito Mudharabah 603.019 560.370 Mudharabah time deposit
615.064 567.237
7RWDO 7RWDO

MDQJNDZDNWX
'HVHPEHU 'HVHPEHU
'HFHPEHU 'HFHPEHU
5XSLDK 5XSLDK
1 bulan 2.433.404 1.292.125 1 month
3 bulan 1.106.548 751.607 3 months
6 bulan 107.551 91.439 6 months
12 bulan 83.429 230.347 12 months
Bank Bank
1 bulan 596.240 547.950 1 month
3 bulan 4.950 10.800 3 months

7RWDO 7RWDO
F 7LQJNDWEDJLKDVLO'HSRVLWR0XGKDUDEDK F 3URILWVKDULQJIURP0XGKDUDEDK'HSRVLWV
Deposito berjangka Mudharabah merupakan Mudharabah time deposits are entitled to

investasi pihak lain yang mendapatkan imbalan receive a share in the income derived by the
bagi hasil dari pendapatan Bank atas Bank from the use of such funds based on a
penggunaan dana tersebut dengan nisbah pre-determined ratio.
yang ditetapkan dan disetujui sebelumnya.
Tingkat bagi hasil setara per tahun untuk The annual equivalent revenue sharing ratio for
deposito berjangka Mudharabah adalah Mudharabah time deposits are as follows:
sebagai berikut:

1 bulan 5,62% 6,43% 1 month

3 bulan 5,74% 6,57% 3 months
6 bulan 5,87% 6,71% 6 months
12 bulan 5,99% 6,85% 12 months
Lebih dari 12 bulan 5,99% 6,85% More than 12 months
129

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-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
748 '$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6
&$7$7$1$7$6/$325$1.(8$1*$1 127(6727+(&2162/,'$7('),1$1&,$/
.2162/,'$6,$1 67$7(0(176

02'$/6$+$0 6+$5(&$3,7$/
Pada tanggal 31 Desember 2014, Susunan As of December 31, 2014, The composition of the
pemegang saham adalah sebagai berikut: Bank’s shareholders follows:
'HVHPEHU'HFHPEHU
-XPODKOHPEDU
VDKDPGLWHPSDWNDQ
GDQGLVHWRUSHQXK 3HUVHQWDVH 7RWDOGDODP
1XPEHURIVKDUHV NHSHPLOLNDQ 5XSLDK
LVVXHGDQG 3HUFHQWDJHRI $PRXQWLQ
3HPHJDQJVDKDP IXOO\SDLG RZQHUVKLS 5XSLDK 6KDUHKROGHUV
6DKDP6HUL$ &ODVV$6KDUHV
A. Provinsi Jawa Barat 3.709.994.733 38,26% 927.499 A. Province of West Java
B. Government of Municipalities/
B. Pemerintah Kota/Kabupaten Regencies in the Province
se-Provinsi Jawa Barat: of West Java:
Pemerintah Kota Government of Municipalities
- Bandung 116.000.006 1,20% 29.000 Bandung -
- Cimahi 104.000.000 1,07% 26.000 Cimahi -
- Depok 89.581.968 0,92% 22.396 Depok -
- Tasikmalaya 60.000.000 0,62% 15.000 Tasikmalaya -
- Bekasi 59.697.024 0,62% 14.924 Bekasi -
- Bogor 46.737.809 0,48% 11.684 Bogor -
- Banjar 41.000.000 0,42% 10.250 Banjar -
- Sukabumi 36.820.520 0,38% 9.205 Sukabumi -
- Cirebon 17.039.629 0,18% 4.260 Cirebon -
570.876.956 5,89% 142.719
Pemerintah Kota/Kabupaten Regencies in the Province

Pemerintah Kabupaten Government of Regencies
- Bandung 680.906.967 7,02% 170.227 Bandung -
- Bogor 193.458.066 2,00% 48.364 Bogor -
- Cianjur 102.416.760 1,06% 25.604 Cianjur -
- Indramayu 84.047.907 0,87% 21.012 Indramayu -
- Bekasi 73.550.504 0,76% 18.388 Bekasi -
- Karawang 54.318.644 0,56% 13.580 Karawang -
- Cirebon 53.609.080 0,55% 13.402 Cirebon -
- Purwakarta 51.219.171 0,53% 12.805 Purwakarta -
- Sumedang 46.052.684 0,47% 11.513 Sumedang -
- Subang 42.926.558 0,44% 10.732 Subang -
- Majalengka 35.462.669 0,37% 8.866 Majalengka -
- Ciamis 32.721.097 0,34% 8.180 Ciamis -
- Kuningan 27.508.120 0,28% 6.877 Kuningan -
- Garut 26.366.698 0,27% 6.592 Garut -
1.718.518.725 17,72% 429.630
Total - Pemerintah Kota dan Total - Government of Municipalities

Kabupaten se-Provinsi and Regencies in the Province
Jawa Barat 2.289.395.681 23,61% 572.349 of West Java
130

37%$1.3(0%$1*81$1'$(5$+ 37%$1.3(0%$1*81$1'$(5$+
-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
'$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6 749
&$7$7$1$7$6/$325$1.(8$1*$1 127(6727+(&2162/,'$7('),1$1&,$/
.2162/,'$6,$1 67$7(0(176

02'$/6$+$0ODQMXWDQ 6+$5(&$3,7$/FRQWLQXHG
pemegang saham adalah sebagai berikut Bank’s shareholders follows (continued):
(lanjutan):
'HVHPEHU'HFHPEHU
-XPODKOHPEDU
VDKDPGLWHPSDWNDQ
6DKDP6HUL$ODQMXWDQ &ODVV%6KDUHVFRQWLQXHG
C. Provinsi Banten 520.589.856 5,37% 130.147 C. Province of Banten
D. Pemerintah Kota/Kabupaten D. Government of Municipalities/

se-Provinsi Banten: Regencies in the Province of Banten:
- Tangerang 119.503.394 1,23% 29.876 Tangerang -
- Cilegon 58.000.000 0,60% 14.500 Cilegon -
177.503.394 1,83% 44.376

- Serang 144.311.251 1,49% 36.078 Serang -
- Pandeglang 105.218.408 1,09% 26.305 Pandeglang -
- Lebak 35.899.154 0,37% 8.975 Lebak -
574.735.002 5,93% 143.684
Total - Pemerintah Kota dan Total - Government of

Kabupaten se-Provinsi Municipalities and Regencies in
Banten 752.238.396 7,76% 188.060 the Province of Banten
Total Saham Seri A 7.272.218.666 75,00% 1.818.055 Total Class A Shares
6DKDP6HUL% &ODVV%6KDUHV
H. Muhadi H. Muhadi
(Komisaris) 2.341.500 0,024% 585 (Commissioner)
Suartini Suartini
(Direktur Komersial) 5.000 0.000% 1 (Commercial Director)
Masyarakat (kepemilikan di
bawah 5% untuk Public
setiap pihak) 2.421.726.000 24,98% 605.432 (ownership less than 5% each)

Total Saham Seri B 2.424.072.500 25,00% 606.018 Total Class B Shares
7RWDO 7RWDO
131

37%$1.3(0%$1*81$1'$(5$+ 37%$1.3(0%$1*81$1'$(5$+
-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
750 '$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6
&$7$7$1$7$6/$325$1.(8$1*$1 127(6727+(&2162/,'$7('),1$1&,$/
.2162/,'$6,$1 67$7(0(176

pemegang saham adalah sebagai berikut: Bank’s shareholders follows:
'HVHPEHU'HFHPEHU
-XPODKOHPEDU
VDKDPGLWHPSDWNDQ
6DKDP6HUL$ &ODVV$6KDUHV
A. Provinsi Jawa Barat 3.709.994.733 38,26% 927.499 A. Province of West Java
B. Government of Municipalities/
B. Pemerintah Kota/Kabupaten Regencies in the Province
- Bandung 116.000.006 1,20% 29.000 Bandung -
- Cimahi 104.000.000 1,07% 26.000 Cimahi -
- Depok 89.581.968 0,92% 22.396 Depok -
- Bekasi 59.697.024 0,62% 14.924 Bekasi -
- Bogor 46.737.809 0,48% 11.684 Bogor -
- Banjar 41.000.000 0,42% 10.250 Banjar -
- Cirebon 17.039.629 0,18% 4.260 Cirebon -
570.876.956 5,89% 142.719
Pemerintah Kota/Kabupaten Regencies in the Province

- Bandung 680.906.967 7,02% 170.227 Bandung -
- Bogor 193.458.066 2,00% 48.364 Bogor -
- Cianjur 102.416.760 1,06% 25.604 Cianjur -
- Indramayu 84.047.907 0,87% 21.012 Indramayu -
- Bekasi 73.550.504 0,76% 18.388 Bekasi -
- Karawang 54.318.644 0,56% 13.580 Karawang -
- Cirebon 53.609.080 0,55% 13.402 Cirebon-
- Purwakarta 51.219.171 0,53% 12.805 Purwakarta -
- Sumedang 46.052.684 0,47% 11.513 Sumedang -
- Subang 42.926.558 0,44% 10.732 Subang -
- Majalengka 35.462.669 0,37% 8.866 Majalengka -
- Ciamis 32.721.097 0,34% 8.180 Ciamis -
- Kuningan 27.508.120 0,28% 6.877 Kuningan -
- Garut 26.366.698 0,27% 6.592 Garut -
1.718.518.725 17,72% 429.630
Total - Pemerintah Kota dan Total - Government of Municipalities

Kabupaten se-Provinsi and Regencies in the Province
Jawa Barat 2.289.395.681 23,61% 572.349 of West Java
132

37%$1.3(0%$1*81$1'$(5$+ 37%$1.3(0%$1*81$1'$(5$+
-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
'$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6 751
&$7$7$1$7$6/$325$1.(8$1*$1 127(6727+(&2162/,'$7('),1$1&,$/
.2162/,'$6,$1 67$7(0(176

pemegang saham adalah sebagai berikut Bank’s shareholders is as follows (continued):
(lanjutan):
'HVHPEHU'HFHPEHU
-XPODKOHPEDU
VDKDPGLWHPSDWNDQ
6DKDP6HUL$ODQMXWDQ &ODVV$6KDUHVFRQWLQXHG

C. Provinsi Banten 520.589.856 5,37% 130.147 C. Province of Banten
D. Pemerintah Kota/Kabupaten D. Government of Municipalities/

se-Provinsi Banten: Regencies in the Province of Banten:
- Cilegon 58.000.000 0,60% 14.500 Cilegon -
177.503.394 1,83% 44.376

- Serang 144.311.251 1,49% 36.078 Serang -
- Pandeglang 105.218.408 1,09% 26.305 Pandeglang -
- Lebak 35.899.154 0,37% 8.975 Lebak -
574.735.002 5,93% 143.684
Total - Pemerintah Kota dan Total - Government of

Kabupaten se-Provinsi Municipalities and Regencies in
Banten 752.238.396 7,76% 188.060 the Province of Banten
Total Saham Seri A 7.272.218.666 75,00% 1.818.055 Total Class A Shares
6DKDP6HUL% &ODVV%6KDUHV
H. Muhadi H. Muhadi
(Komisaris) 2.341.500 0,024% 585 (Commissioner)
Bien Subiantoro 757.500 0,008% 189 Bien Subiantoro
(Direktur Utama) (President Director)
Arie Yulianto Arie Yulianto
(Direktur) 333.000 0,003% 83 (Director)
Djamal Muslim Djamal Muslim
Acu Kusnandar Acu Kusnandar
Entis Kushendar Entis Kushendar
Masyarakat (kepemilikan di
bawah 5% untuk Public
setiap pihak) 2.420.040.500 24,96% 605.012 (ownership less than 5% each)

Total Saham Seri B 2.424.072.500 25,00% 606.018 Total Class B Shares
7RWDO 7RWDO
Saham Seri A khusus dimiliki oleh pemerintah Class A shares are specially owned by the central
pusat, pemerintah provinsi, kota dan kabupaten government, provinces, cities and districts while
sedangkan saham Seri B dimiliki oleh direksi, the Class B shares are owned by directors,
dewan komisaris, karyawan perseroan, masyarakat commissioners, employees of the Bank, public
dan pemerintah. Saham Seri A ialah saham yang and government. Class A shares are shares that
memberikan hak khusus kepada pemegangnya give special rights to the holder in the attendance
dalam kuorum kehadiran dan kuorum persetujuan quorum and the approval of quorum at the
Rapat Umum Pemegang Saham. Shareholders’ General Meeting.
133

37%$1.3(0%$1*81$1'$(5$+ 37%$1.3(0%$1*81$1'$(5$+
-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
752 '$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6
&$7$7$1$7$6/$325$1.(8$1*$1 127(6727+(&2162/,'$7('),1$1&,$/
.2162/,'$6,$1 67$7(0(176

7$0%$+$102'$/',6(725 $'',7,21$/3$,',1&$3,7$/
Pada tanggal 31 Desember 2014 dan 2013, Bank As of December 31, 2014 and 2013, the Bank
mencatat tambahan modal disetor sebagai akibat recorded the additional paid in capital as a result of
dari penerbitan saham sebagai berikut: shares issuance as follows:
Total agio saham 848.425 Total premium on share capital

Biaya emisi penerbitan saham (25.002) Shares issuance costs
1HWR 1HW
02'$/',6(725/$,11<$ 27+(53$,'83&$3,7$/
Bank tidak menerima penambahan setoran modal Bank did not received additional capital
dari pemegang saham pada tahun 2014 dan 2013. contributions from the existing shareholders in
2014 and 2013.
3(1**81$$1/$%$ ',675,%87,212),1&20(
Penggunaan laba tahun 2013 ditetapkan Income distributions for the year 2013 was made
berdasarkan keputusan Rapat Umum Pemegang based on the General Shareholders’ Meeting
Saham (RUPS) tanggal 26 Maret 2014 dated March 26, 2014 as stated in Notarial Deed
sebagaimana tercantum dalam Akta Notaris No. 70 of R. Tendy Suwarman, SH.
No. 70 oleh R. Tendy Suwarman, SH.
Penggunaan laba tahun 2012 ditetapkan Income distributions for the year 2012 was made
berdasarkan keputusan Rapat Umum Pemegang based on the General Shareholders’ Meeting
Saham (RUPS) tanggal 25 Maret 2013 dated March 25, 2013, as stated in Notarial Deed
sebagaimana tercantum dalam Akta Notaris No. 119 of R. Tendy Suwarman, SH.
No. 119 oleh R. Tendy Suwarman, SH.
Berdasarkan keputusan RUPS tahun 2014 dan Based on the above General Shareholders’
2013 tersebut di atas, penggunaan laba tahun Meeting year 2014 and 2013, the distributions of
2014 dan 2013 ditetapkan sebagai berikut: income in 2014 and 2013, were are as follows:

Pembagian dividen 757.280 663.845 Dividend distributions

Pembentukan cadangan umum 619.381 521.592 General reserve
Pembagian jasa produksi 258.124 222.269 Employees bonus
Corporate social responsibility 85.942 74.090 Corporate social responsibility
Jumlah dividen yang diumumkan untuk masing- The dividends declared for each period are as
masing periode adalah sebagai berikut: follows:
-XPODK 3HUVDKDPQLODLSHQXK

3HULRGH $PRXQW 3HUVKDUHIXOODPRXQW 3HULRG

Distribusi pada tahun 2014 untuk laba tahun 2013 757.280 78 Distribution in 2014 from 2013 net income
Distribusi pada tahun 2013 untuk laba tahun 2012 663.845 68 Distribution in 2013 from 2012 net income
Untuk tahun 2014 dan 2013, jasa produksi dan For the years 2014 and 2013, employee bonus
beban corporate social responsibility dibukukan and corporate social responsibility expenses are
sebagai beban pada laporan laba rugi recorded as expense in the current year
komprehensif konsolidasian tahun berjalan. consolidated statement of comprehensive income.
134

37%$1.3(0%$1*81$1'$(5$+ 37%$1.3(0%$1*81$1'$(5$+
-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
'$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6 753
&$7$7$1$7$6/$325$1.(8$1*$1 127(6727+(&2162/,'$7('),1$1&,$/
.2162/,'$6,$1 67$7(0(176

3(1'$3$7$1%81*$'$16<$5,$+ ,17(5(67$1'6+$5,$,1&20(


5XSLDK 5XSLDK
.UHGLW\DQJGLEHULNDQGDQSLXWDQJ /RDQVDQGUHFLHYDEOHV
Kredit yang diberikan 7.014.288 6.736.328 Loans
Penempatan pada Bank Placements with Bank Indonesia
Indonesia dan bank lain 513.641 325.666 and other banks
Giro pada Bank Indonesia 28.865 25.248 Current accounts with Bank Indonesia
Giro pada bank lain 6.936 6.271 Current accounts with other banks
Wesel ekspor dan tagihan lainnya 1.273 840 Bills and other receivables
Syariah Sharia
Margin 363.194 261.317 Margin
Bagi Hasil 189.372 188.703 Profit Sharing
Pendapatan Sewa Ijarah 19.543 44.051 Ijarah lease income
Fee ujroh pembatalan pesanan 236 477 Ujroh order cancellation fee
Lainnya - 2 Others

)DLUYDOXH
1LODLZDMDUPHODOXLODEDUXJL WKURXJKSURILWRUORVV
.UHGLW\DQJGLEHULNDQGDQSLXWDQJ /RDQVDQGUHFHLYDEOHV
Kredit yang diberikan Loans
Wesel ekspor dan tagihan lainnya 1.315 1.751 Bills and other receivables
Penempatan pada Bank Placements with Bank Indonesia
Indonesia dan bank lain and other banks
Dolar Amerika Serikat 474 244 United States Dollar
Surat berharga Marketable securities
Dolar Amerika Serikat 333 877 United States Dollar
8.562.830 8.096.294

3URYLVLGDQ.RPLVL 6KDULDILQDQFLQJIHHV
3HPELD\DDQ6\DULDK 228.990 36.694 DQG&RPPLVVLRQV

7RWDO 7RWDO
135

37%$1.3(0%$1*81$1'$(5$+ 37%$1.3(0%$1*81$1'$(5$+
-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
754 '$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6
&$7$7$1$7$6/$325$1.(8$1*$1 127(6727+(&2162/,'$7('),1$1&,$/
.2162/,'$6,$1 67$7(0(176

%(%$1%81*$'$1%$*,+$6,/6<$5,$+ ,17(5(67 (;3(16( $1' 6+$5,$ 352),7

6+$5,1*

5XSLDK 5XSLDK
Simpanan nasabah 3.223.774 2.292.022 Deposits from customers
Bagi hasil syariah 346.799 239.375 Sharia profit sharing
Efek hutang yang diterbitkan 266.351 283.230 Debt securities issued
Simpanan dari bank lain 239.295 320.692 Deposits from other banks
Premi penjaminan 117.954 97.477 Guarantee premium
Premi asuransi kredit 112.063 102.971 Loan insurance premium
Pinjaman yang diterima 15.018 10.183 Borrowings
Lain-lain 939 240 Others
4.322.193 3.346.190
Simpanan nasabah 7.735 3.950 Deposits from customers
Premi asuransi kredit 285 640 Loan insurance premium
Simpanan dari bank lain 9 65 Deposits from other banks
8.029 4.655
7RWDO 7RWDO
3(1'$3$7$123(5$6,21$//$,11<$ 27+(523(5$7,1*,1&20(

Provisi dan komisi selain dari Non-loan related fees and

kredit yang diberikan commissions
Rupiah Rupiah
Provisi dan komisi 267.122 248.621 Fees and commissions
Fee komitmen 9.227 12.208 Commitment fees
Mata uang asing Foreign currencies
Provisi dan komisi 6.288 7.883 Fees and commissions
Fee komitmen 7 7 Commitment fees
282.644 268.719
Keuntungan yang belum direalisasi Unrealized gain on changes in
surat berharga - neto 67.934 - securities - net
Penerimaan kembali kredit
yang telah dihapus buku 132.418 136.140 Recoveries from loans written-off
Keuntungan dari penjualan surat berharga Gain on sale of held-for-trading
untuk diperdagangkan - neto 2.761 1.926 marketable securities - net
Gain from foreign exchange
Keuntungan transaksi valuta asing - neto 23.683 32.636 transactions - net
7RWDO 7RWDO
136

37%$1.3(0%$1*81$1'$(5$+ 37%$1.3(0%$1*81$1'$(5$+
-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
'$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6 755
&$7$7$1$7$6/$325$1.(8$1*$1 127(6727+(&2162/,'$7('),1$1&,$/
.2162/,'$6,$1 67$7(0(176

%(%$123(5$6,21$//$,11<$ 27+(523(5$7,1*(;3(16(6



Beban umum dan administrasi General and administrative expenses

Sewa 252.962 216.296 Rental
Gaji tenaga kerja kontrak 194.289 171.233 Contracted employee salaries
Promosi 145.641 214.601 Promotion
Pemeliharaan dan perbaikan 112.576 106.671 Maintenance and repairs
Penyusutan dan amortisasi 101.323 91.585 Depreciation and amortization
Komunikasi 89.708 73.334 Communication
Biaya listrik, air, dan gas 54.406 45.318 Electricity, water, and gas
Alat tulis kantor 50.306 44.455 Office supplies
Fee konsultan 40.612 27.259 Consultant fees
Perjalanan dinas 37.707 38.939 Business trip
Premi asuransi 22.326 20.762 Insurance premium
1.320.527 1.256.991
Beban tenaga kerja dan tunjangan Salaries and employee benefits
Gaji dan upah 579.769 502.678 Salaries and wages
Tunjangan karyawan 458.478 432.177 Employee benefits
Jasa produksi 211.401 265.165 Employees bonus
Pendidikan dan pelatihan 70.481 65.923 Education and training
1.320.129 1.265.943
Penyisihan (pembalikan) kerugian Provision for (reversal of) for
penurunan nilai atas aset keuangan impairment losses on financial and
dan non keuangan - neto non-financial assets - net
Kredit yang diberikan 612.345 544.051 Loans
Pembiayaan syariah 50.896 70.448 Sharia financing
Penyertaan saham (3.333) 3.305 Investments in shares
Giro pada bank lain (29) 22 Current accounts with other banks
Penempatan pada bank lain 2.802 (1.759) Placements with other banks
662.681 616.067
Kerugian yang belum direalisasi Unrealized loss on changes in
atas perubahan nilai wajar surat berharga - 56.585 fair value marketable securities
Penyisihan kerugian penurunan Provision for impairment losses
nilai atas komitmen dan kontinjensi 631 65 on commitments and contingencies
Beban lainnya Others expenses
Corporate Social Responsibility 68.973 86.041 Corporate Social Responsibility
Representasi klien 30.399 36.434 Client representation
Iuran 4.131 3.925 Contributions
307.699 291.819
7RWDO 7RWDO
Gaji dan kompensasi lainnya yang dibayarkan Salaries and other compensation benefits for the
kepada Direksi untuk tahun yang berakhir pada Board of Directors for the years ended
tanggal-tanggal 31 Desember 2014 dan 2013 December 31, 2014 and 2013 are amounted to
masing-masing adalah sebesar Rp63.570 dan Rp63,570 and Rp46,916, respectively.
Rp46.916.
137

37%$1.3(0%$1*81$1'$(5$+ 37%$1.3(0%$1*81$1'$(5$+
-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
756 '$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6
&$7$7$1$7$6/$325$1.(8$1*$1 127(6727+(&2162/,'$7('),1$1&,$/
.2162/,'$6,$1 67$7(0(176

%(%$123(5$6,21$//$,11<$ODQMXWDQ 27+(523(5$7,1*(;3(16(6FRQWLQXHG
Gaji dan kompensasi lainnya yang dibayarkan Salaries and other compensation benefits for the
kepada Dewan Komisaris untuk tahun yang Board of Commissioners for the years ended
berakhir pada tanggal-tanggal 31 Desember 2014 December 31, 2014 and 2013 is amounted to
dan 2013 masing-masing sebesar Rp20.783 dan Rp20,783 and Rp18,652, respectively.
Rp18.652.
3(1'$3$7$1%(%$112123(5$6,21$/ 12123(5$7,1*,1&20((;3(16(6


Pendapatan non-operasional Non-operating income

Reimbursement from credit
Penggantian dari asuransi kredit 537 - insurance institution
Pendapatan dividen 7.928 6.116 Dividend income
7RWDO 7RWDO
Beban non-operasional Non-operating expenses

Transfer payment 3.874 5.771 Transfer payment
Denda 203 971 Penalty
7RWDO

7RWDO
.20,70(1'$1.217,1-(16, &200,70(176$1'&217,1*(1&,(6

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'HFHPEHU 'HFHPEHU
Tagihan komitmen Commitments receivables

Posisi pembelian spot dan derivatif Outstanding spot
yang masih berjalan 182.550 and derivatives purchase
Lainnya 2.914.446 1.847.952 Others
2.914.446 2.030.502
Liabilitas komitmen Commitments liabilities

Fasilitas kredit kepada debitur
yang belum digunakan 2.271.898 3.367.589 Unused loan facilities
Posisi penjualan spot dan derivatif Outstanding spot
yang masih berjalan 37.155 219.375 and derivatives sale
Irrevocable letters of credit Outstanding irrevocable
yang masih berjalan 75.356 155.811 letters of credit
Lainnya 2.273.858 1.579.010 Others
4.658.267 5.321.785
Tagihan kontinjensi Contingent receivables

Tagihan bunga dan marjin Interest receivable and margin on
piutang dalam penyelesaian 477.008 215.842 receivable non-performing assets
Liabilitas kontinjensi Contingent liabilities

Garansi yang diterbitkan 1.298.572 1.313.538 Guarantees issued
138

37%$1.3(0%$1*81$1'$(5$+ 37%$1.3(0%$1*81$1'$(5$+
-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
'$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6 757
&$7$7$1$7$6/$325$1.(8$1*$1 127(6727+(&2162/,'$7('),1$1&,$/
.2162/,'$6,$1 67$7(0(176

$6(7 .(8$1*$1 '$1 /,$%,/,7$6 ),1$1&,$/ $66(76 $1' ),1$1&,$/

.(8$1*$1 /,$%,/,7,(6
Nilai wajar yang diungkapkan di bawah ini adalah The fair values disclosed below are based on
berdasarkan informasi relevan yang tersedia pada available relevant information at the consolidated
tanggal laporan posisi keuangan konsolidasian dan statement of financial position date and are not
tidak diperbaharui untuk mencerminkan perubahan updated to reflect changes in market conditions
dalam kondisi pasar yang telah terjadi setelah which have occurred after the date of the
tanggal laporan posisi keuangan konsolidasian. consolidated statement of financial position.
Tabel di bawah ini menyajikan nilai tercatat dan The tables below present the carrying amounts
nilai wajar aset dan liabilitas keuangan Bank pada and fair values of the Bank’s financial assets and
tanggal 31 Desember 2014 dan 2013. liabilities as of December 31, 2014 and 2013.
'HVHPEHU'HFHPEHU
1LODLZDMDU
1LODL7HUFDWDW&DUU\LQJDPRXQW )DLUYDOXH
___________________
.HZDMLEDQ
NHXDQJDQ
1LODLZDMDU SDGDELD\D 7RWDO
.UHGLW\DQJ 'LPLOLNL 7HUVHGLD PHODOXLODSRUDQ SHUROHKDQ QLODL
GLEHULNDQ KLQJJD XQWXN ODEDUXJL GLDPRUWLVDVL WHUFDWDW 7RWDO
GDQSLXWDQJ MDWXK GLMXDO )DLUYDOXH )LQDQFLDO 7RWDO QLODLZDMDU
/RDQVDQG WHPSR $YDLODEOH WKURXJK OLDELOLWLHVDW FDUU\LQJ 7RWDOIDLU
UHFHLYDEOHV +HOGWRPDWXULW\ IRUVDOH SURILWRUORVV DPRUWL]HGFRVW DPRXQW YDOXH
$VHW.HXDQJDQ )LQDQFLDO$VVHWV
Kas 2.767.678 - - - - 2.767.678 2.767.678 Cash
Giro pada Bank Indonesia 5.177.942 - - - - 5.177.942 5.177.942 Bank Indonesia
Giro pada bank lain 128.542 - - - - 128.542 128.542 other banks
Penempatan pada Bank Placements with Bank
Indonesia dan bank lain 4.761.109 - - - - 4.761.109 4.761.109 Indonesia and other banks
Surat berharga - 6.412.916 - 712.455 - 7.125.371 6.402.096 Marketable securities
Efek-efek yang dibeli Marketable securities
dengan janji purchased under agreements
dijual kembali - 568.461 - - - 568.461 568.461 to resell
Wesel Ekspor Bills and
dan tagihan lainnya 19.555 - - - - 19.555 19.555 other receivables
pembiayaan syariah 52.329.130 - - - - 52.329.130 52.329.130 Loans and sharia financing
Tagihan akseptasi 18.435 - - - - 18.435 18.435 Acceptance receivables
Penyertaan saham - - 27.748 - - 27.748 27.748 Investments in shares
Bunga yang masih
akan diterima 452.642 - - - - 452.642 452.642 Interest receivables
Aset lain-lain*) 9.540 - - - - 9.540 9.540 Other assets*)
7RWDODVHWNHXDQJDQ 7RWDOILQDQFLDODVVHWV
/LDELOLWDV.HXDQJDQ )LQDQFLDO/LDELOLWLHV
Liabilitas segera - - - - 1.812.382 1.812.382 1.812.382 Obligations due immediately
Simpanan nasabah dan - - - - Deposits from customers
simpanan nasabah and deposits from customer
syariah - - - - 53.487.890 53.487.890 53.487.890 sharia
Simpanan dari bank lain - - - - 3.308.630 3.308.630 3.308.630 Deposits from other banks
Efek-efek yang dijual Marketable securities
dengan janji sold under
dibeli kembali - - - - 2.062.916 2.062.916 2.062.916 repurchase agreements
Liabilitas akseptasi - - - - 18.435 18.435 18.435 Acceptance liabilities
Efek hutang yang diterbitkan - - - - 1.721.901 1.721.901 1.721.901 Debts securities issued
Pinjaman yang diterima - - - - 456.490 456.490 456.490 Borrowings
Bunga yang masih
harus dibayar - - - - 121.606 121.606 121.606 Interest payables
Liabilitas lain-lain - - - - 766.221 766.221 766.221 Other liabilities
7RWDOOLDELOLWDVNHXDQJDQ 7RWDOILQDQFLDOOLDELOLWLHV
*) Terdiri dari setoran jaminan *) Consist of security deposits.
139

37%$1.3(0%$1*81$1'$(5$+ 37%$1.3(0%$1*81$1'$(5$+
-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
758 '$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6
&$7$7$1$7$6/$325$1.(8$1*$1 127(6727+(&2162/,'$7('),1$1&,$/
.2162/,'$6,$1 67$7(0(176

$6(7 .(8$1*$1 '$1 /,$%,/,7$6 ),1$1&,$/ $66(76 $1' ),1$1&,$/

.(8$1*$1ODQMXWDQ /,$%,/,7,(6FRQWLQXHG

'HVHPEHU'HFHPEHU
1LODLZDMDU
1LODL7HUFDWDW&DUU\LQJDPRXQW )DLUYDOXH
___________________
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NHXDQJDQ
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GLEHULNDQ KLQJJD XQWXN ODEDUXJL GLDPRUWLVDVL WHUFDWDW 7RWDO
GDQSLXWDQJ MDWXK GLMXDO )DLUYDOXH )LQDQFLDO 7RWDO QLODLZDMDU
/RDQVDQG WHPSR $YDLODEOH WKURXJK OLDELOLWLHVDW FDUU\LQJ 7RWDOIDLU
UHFHLYDEOHV +HOGWRPDWXULW\ IRUVDOH SURILWRUORVV DPRUWL]HGFRVW DPRXQW YDOXH
Kas 2.595.260 - - - - 2.595.260 2.595.260 Cash
Giro pada Bank Indonesia 4.454.108 - - - - 4.454.108 4.454.108 Bank Indonesia
Giro pada bank lain 176.888 - - - - 176.888 176.888 other banks
Indonesia dan bank lain 2.628.985 - - - - 2.628.985 2.628.985 Indonesia and other banks
Surat berharga - 9.593.557 - 698.253 - 10.291.810 10.251.424 Marketable securities
Wesel Ekspor Bills and
dan tagihan lainnya 44.721 - - - - 44.721 44.721 other receivables
pembiayaan syariah 47.820.726 - - - - 47.820.726 47.820.726 Loans and sharia financing
Tagihan akseptasi 33.235 - - - - 33.235 33.235 Acceptance receivables
Penyertaan saham - - 24.415 - - 24.415 24.415 Investments in shares
Bunga yang masih
akan diterima 418.360 - - - - 418.360 418.360 Interest receivables
Aset lain-lain*) 9.659 - - - - 9.659 9.659 Other assets*)
Liabilitas segera - - - - 1.945.539 1.945.539 1.945.539 Obligations due immediately
Simpanan nasabah dan - - - - Deposits from customers
simpanan nasabah and deposits from customer
syariah - - - - 47.220.701 47.220.701 47.220.701 sharia
Simpanan dari bank lain - - - - 4.946.725 4.946.725 4.946.725 Deposits from other banks
dengan janji sold under
dibeli kembali - - - - 2.978.073 2.978.073 2.978.073 repurchase agreements
Liabilitas derivatif - - - - 90 90 90 Derivative liabilities
Liabilitas akseptasi - - - - 33.235 33.235 33.235 Acceptance liabilities
Efek hutang yang diterbitkan - - - - 2.396.611 2.396.611 2.396.611 Debts securities issued
Pinjaman yang diterima - - - - 324.337 324.337 324.337 Borrowings
Bunga yang masih
harus dibayar - - - - 124.776 124.776 124.776 Interest payables
Liabilitas lain-lain - - - - 799.593 799.593 799.593 Other liabilities
*) Terdiri dari setoran jaminan *) Consist of security deposits.
Tabel di bawah ini menyajikan instrumen keuangan The tables below shows the financial instruments
yang diakui pada nilai wajar berdasarkan hirarki recognized at fair value based on the hierarchy
yang digunakan Bank untuk menentukan dan used by the Bank in determining and disclosing the
mengungkapkan nilai wajar dari instrumen fair value of financial instruments:
keuangan:
(i) Tingkat 1: dikutip dari harga pasar aktif untuk (i) Level 1: Quoted (unadjusted) prices in active
aset atau liabilitas keuangan yang identik; markets for identical financial assets or
liabilities;
(ii) Tingkat 2: yang melibatkan input selain dari (ii) Level 2: Those involving inputs other than
harga pasar aktif yang dikutip yang termasuk quoted prices included in Level 1 that are
dalam tingkat 1 yang dapat diobservasi untuk observable for the asset or liability, either
aset dan liabilitas, baik secara langsung (seperti directly (as prices) or indirectly (derived from
harga) atau tidak langsung (turunan dari harga); prices);
(iii) Tingkat 3: input untuk aset dan liabilitas yang (iii) Level 3: Those with inputs for the asset or
tidak didasarkan pada data yang dapat liability that are not based on observable
diobservasi di pasar (input yang tidak dapat market data (unobservable inputs).
diobservasi).
140

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'$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6 759
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Tabel di bawah ini menyajikan instrumen keuangan The table below shows the financial instruments
yang diakui pada nilai wajar berdasarkan hirarki recognized at fair value based on the hierarchy
yang digunakan Bank untuk menentukan dan used by the Bank in determining and disclosing the
mengungkapkan nilai wajar dari instrumen fair value of financial instruments (continued):
keuangan (lanjutan):
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Nilai wajar melalui laporan
laba rugi Fair value through profit or loss
Surat berharga 712.455 - - 712.455 Marketable securities
Total nilai wajar melalui laporan

laba rugi 712.455 - - 712.455 Total fair value through profit or loss
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Nilai wajar melalui laporan
laba rugi Fair value through profit or loss
Surat berharga 698.253 - - 698.253 Marketable securities
Total nilai wajar melalui laporan

laba rugi 698.253 - - 698.253 Total fair value through profit or loss
(i) Nilai wajar aset dan kewajiban keuangan (i) The fair values of certain financial assets and
tertentu, kecuali kredit yang diberikan, surat- liabilities, except for loans, marketable
surat berharga, dan efek hutang yang securities, marketable securities issued, and
diterbitkan, dan pinjaman yang diterima borrowings, approximate their carrying values
mendekati nilai tercatatnya karena mempunyai due to their short-term maturities.
jangka waktu jatuh tempo yang singkat.

Estimasi nilai wajar terhadap aset keuangan The estimated fair values of certain financial
tertentu ditetapkan berdasarkan diskonto arus assets are determined based on discounted
kas dengan menggunakan suku bunga pasar cash flows using money market interest rates
uang yang berlaku untuk utang dengan risiko for instruments with similar credit risk and
kredit dan sisa jatuh tempo yang serupa. remaining maturities.
Estimasi nilai wajar terhadap kewajiban The estimated fair values of certain financial
keuangan tertentu yang tidak memiliki kuotasi obligations which are not quoted in an active
di pasar aktif ditetapkan berdasarkan diskonto market are determined based on discounted
arus kas dengan menggunakan suku bunga cash flows using interest rates of instruments
utang baru dengan sisa jatuh tempo yang with similar remaining maturities.
serupa.
141

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760 '$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6
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(ii) Kredit yang diberikan (ii) Loans
Portofolio kredit Bank secara umum terdiri dari Bank credit portfolio generally consists of loans
kredit yang diberikan dengan suku bunga with floating interest rates and short term loan
mengambang dan kredit yang diberikan dengan with fixed interest rate. Loans are stated at
suku bunga tetap. Kredit yang diberikan amortized cost. The fair value of loans shows
dinyatakan biaya perolehan yang diamortisasi. the estimated value of discounted future cash
Nilai wajar dari kredit yang diberikan flows expected to be received by the Bank
menunjukkan nilai diskon dari perkiraan arus using current market interest rates.
kas masa depan yang diharapkan akan diterima
oleh Bank dengan menggunakan suku bunga
pasar.
Nilai tercatat dari kredit yang diberikan dengan Carrying value of loans with floating interest
suku bunga mengambang dan pinjaman jangka rates and short-term loans with fixed interest
pendek dengan suku bunga tetap adalah rate are the reasonable estimate of fair values.
perkiraan yang layak atas nilai wajarnya.
(iii) Surat-surat berharga (iii) Marketable securities
Nilai wajar untuk surat-surat berharga yang The fair value for marketable securities held-to-
dimiliki hingga jatuh tempo ditetapkan maturity is determined based on market price
berdasarkan harga pasar atau harga kuotasi or quoted price of broker/dealer. If this
perantara (broker)/pedagang efek (dealer). Jika information is not available, fair value is
informasi ini tidak tersedia, nilai wajar diestimasi estimated using quoted market prices of
dengan menggunakan harga pasar kuotasi efek securities with similar credit maturity and yield
yang memiliki karakteristik kredit, jatuh tempo characteristics or using internal valuation
dan yield yang serupa atau dengan model.
menggunakan metode penilaian internal.
(iv) Efek hutang yang diterbitkan dan pinjaman yang (iv) Debt securities issued and borrowings
diterima
Nilai wajar agregat dihitung berdasarkan model The aggregate fair value is calculated based
diskonto arus kas menggunakan tingkat suku on discounted cash flow model using current
bunga pasar untuk sisa periode jatuh temponya. market rate for the remaining period to
maturity.
142

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-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
'$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6 761
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Bank memberikan imbalan kerja jangka panjang The Bank provides long-term benefits and post-
dan pasca kerja lainnya kepada para karyawannya employment benefits to all qualified employees
yang memenuhi syarat yang terdiri dari program which consist of defined benefit pension plan, Old-
pensiun manfaat pasti, Tunjangan Hari Tua (THT), age Retirement Plan (THT), Service Pay Benefit
Penghargaan Masa Kerja (PMK), Masa Persiapan (PMK), Retirement Preparation Period (MPP) and
Pensiun (MPP) dan Cuti Besar. Annual Leave.
Program pensiun manfaat pasti Bank untuk The Bank‘s defined benefit pension plan for
karyawan Bank yang diangkat sebelum tahun 2008 employees registered before 2008, is managed by
dikelola oleh Dana Pensiun Karyawan Bank Jabar, Dana Pensiun Karyawan Bank Jabar and for new
sedangkan untuk karyawan yang diangkat sejak employees registered from 2008 onwards, is
tahun 2008 dikelola oleh DPLK Bank Jabar Banten. managed by DPLK Bank Jabar Banten. The
Kontribusi pegawai adalah sebesar 5,00% dari employee’s contribution is 5.00% of the
penghasilan dasar pensiun karyawan dan sisa employee’s pension base salary and the remaining
jumlah yang diperlukan untuk mendanai program amounts required to fund the plan are contributed
tersebut dikontribusi oleh Bank. Program dana by the Bank. The latest defined benefit pension
pensiun iuran pasti yang terakhir ditetapkan plan regulation as stipulated in Board of Directors’
berdasarkan Surat Keputusan Direksi Decision Letter No. 008/KEP/DIR-SDM/2011 dated
008/KEP/DIR-SDM/2011 tanggal 14 Oktober 2011 October 14, 2011 that the Pension Fund
tentang peraturan Dana Pensiun dari Dana Regulation of Financial Institutions Fund pension
Pensiun Lembaga Keuangan Bank Pembangunan of Bank Pembangunan Daerah Jawa Barat dan
Daerah Jawa Barat dan Banten yang telah Banten which was approved by the decree of the
disahkan dengan Surat Keputusan Menteri Ministry of Finance, Republic of Indonesia
Keuangan RI No. Kep-315/KM.10/2012 tentang No. Kep-315/KM.10/2012 on Approval of the
pengesahan atas peraturan Dana pensiun dari Pension Fund’s Regulation of Financial Institutions
Dana pensiun Lembaga Keuangan Bank Fund Pension of Bank Pembangunan Daerah
Pembangunan Daerah Jawa Barat dan Banten. Jawa Barat dan Banten.
Program THT dikelola oleh Yayasan Kesejahteraan The THT benefit plan is managed by Yayasan
Pegawai Bank Jabar (YKP). Kontribusi pegawai Kesejahteraan Pegawai Bank Jabar (YKP). The
adalah sebesar 5,00% dari penghasilan karyawan employee’s contribution is 5.00% of the
dan sisa dana yang diperlukan untuk mendanai employee’s salary and the remaining amounts
program tersebut dikontribusi oleh Bank. Imbalan required to fund the plan are contributed by the
THT berupa pembayaran jumlah lump-sum yang Bank. The THT benefit represents a lump-sum
diberikan kepada karyawan yang memasuki usia payment to employees who reach pension age or
pensiun atau berhenti bekerja oleh sebab lain yang retire due to other reasons as mentioned in the
diatur dalam Surat Keputusan Direksi Board of Directors’ Decision Letter
No. 150/SK/DIR-SDM/1999 tanggal 1 Desember No. 150/SK/DIR-SDM/1999 dated December 1,
1999 yang terakhir diubah dengan Surat 1999, which was last amended based on Board of
Keputusan Direksi No. 03/SK/DIR-SDM/2011 Directors’ Decision Letter No. 03/SK/DIR-
tanggal 3 Januari 2011 tentang Peraturan SDM/2011 dated Januari 3, 2011 about Pension
Tunjangan Hari Tua PT Bank Pembangunan Plan policy of PT Bank Pembangunan Daerah
Daerah Jawa Barat dan Banten Tbk. Jawa Barat dan Banten Tbk.
Program PMK dikelola sendiri oleh Bank dan diatur The PMK Program is self-managed by the Bank
dalam peraturan program PMK yang terakhir and is based on the latest PMK plan regulation
ditetapkan dengan Surat Keputusan Direksi which is stipulated in the Directors’ Decision Letter
No. 645/SK/DIR-SDM/2013 tanggal 8 Oktober No. 645/SK/DIR-SDM/2013 dated October 8,
2013. Imbalan PMK berupa pembayaran yang 2013. The PMK benefit represents a payment
jumlahnya sebesar masing-masing 200% dan amounting to 200% and 300% of the employee’s
300% dari penghasilan dasar pensiun (PhDP) pension base salary (PhDP) to employees with
kepada pegawai dengan masa kerja 15 tahun dan working service periods of 15 and 25 years,
25 tahun dengan syarat hasil penilaian kinerja dua respectively. The qualifying employee is required
tahun terakhir berpredikat baik. to have good results in the performance of
evaluation for the last two years.
Program MPP dikelola sendiri oleh Bank dan MPP plan is self-managed by the Bank and is an
merupakan program imbalan kerja bagi karyawan employee benefit plan for employees who will
yang akan memasuki masa pensiun. enter pension age.
143

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762 '$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6
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Program Cuti Besar dikelola sendiri oleh Bank dan Annual leave program is self-managed by the
merupakan program imbalan kerja bagi karyawan Bank and is an employee benefit plan for
untuk penggantian hak cuti besar. replacement of annual leave rights.
Perhitungan aktuaria atas liabilitas imbalan kerja The actuarial calculation of the long-term benefits
jangka panjang dan pasca kerja dihitung oleh and post-employment benefits was performed by
aktuaria independen (PT Dian Artha Tama) dengan an independent actuary (PT Dian Artha Tama)
menggunakan metode projected unit credit. using the projected unit credit method. The
Perhitungan aktuaria untuk tahun yang berakhir actuarial computation for the years ended
pada tanggal-tanggal 31 Desember 2014 dan 2013 December 31, 2014 and 2013 are based on the
berdasarkan laporan aktuaria masing-masing pada actuarial reports dated January 16, 2015 and
tanggal 16 Januari 2015 dan 13 Januari 2014. January 13, 2014, respectively.
Asumsi-asumsi utama yang digunakan dalam Key assumptions used in the actuarial calculation
perhitungan aktuaria adalah sebagai berikut: are as follows:

Asumsi ekonomi Economic assumptions

Tingkat diskonto per tahun 8,0% 9,0% Annual discount rate
Tingkat bunga imbal hasil Investment yield of
investasi aset 8,0% 8,0% plan assets
Tingkat kenaikan penghasilan
dasar per tahun 6,0% 6,0% Annual salary growth rate
Asumsi lainnya GAM 1971/ GAM 1971/ Other assumptions

Tabel mortalitas GAM 1971 GAM 1971 Mortality table
Tingkat cacat 0,25% per annum 0,25% per annum Disability rate
dari GAM 1971/ dari GAM 1971/
0.25% of GAM 1971 0.25% of GAM 1971
Usia pensiun normal 55 55 Normal retirement age
Tingkat pengunduran diri untuk usia : Retirement rate per year for ages:
18 - 44 tahun 1,0% 1,0% 18 - 44 years old
45 - 54 tahun 1,0% 1,0% 45 - 54 years old
Status aset (liabilitas) program imbalan kerja pada The employee benefits plan assets (liabilities)
tanggal-tanggal 31 Desember 2014 dan 2013 status as of December 31, 2014 and 2013 are as
adalah sebagai berikut: follows:
a. Biaya program imbalan kerja untuk tahun yang a. Employee benefits expenses for the years
berakhir pada tanggal-tanggal 31 Desember ended December 31, 2014 and 2013 are as
2014 dan 2013 adalah sebagai berikut: follows:
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Biaya jasa kini (19.739) (45.165) (28.908) (93.812) Current service cost
Biaya bunga (47.938) (23.888) (11.235) (83.061) Interest cost
Laba (rugi) aktuaria 546 (612) (715) (781) Actuarial gain (loss)
Biaya jasa lalu - vested - - - - Past service cost - vested
Biaya jasa lalu - non vested - (5.068) (1.129) (6.197) Past service cost - non vested
Hasil yang diharapkan atas
aset dana pensiun 56.930 25.083 - 82.013 Expected return on plan assets
7RWDO 7RWDO
144

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-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
'$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6 763
&$7$7$1$7$6/$325$1.(8$1*$1 127(6727+(&2162/,'$7('),1$1&,$/
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Rugi aktuaria (10.748) (1.939) (2.438) (15.125) Actuarial loss
Biaya jasa lalu - vested - - - - Past service cost - vested
Biaya jasa lalu - non vested - (5.068) (1.129) (6.197) Past service cost - non vested
Hasil yang diharapkan atas
aset dana pensiun 56.069 21.483 - 77.552 Expected return on plan assets
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b. Rekonsiliasi atas perubahan aset (liabilitas) b. Following are the reconciliation of the
imbalan kerja selama tahun berjalan adalah movements of employee benefit assets
sebagai berikut: (liabilities) during the years:
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Saldo awal 152.806 54.235 (115.924) 91.117 Beginning balance

Beban tahun berjalan (10.201) (49.650) (41.987) (101.838) Current year expense
Kontribusi pemberi kerja 17.579 43.720 - 61.299 Employer’s contribution
Imbalan yang dibayarkan - - 13.426 13.426 Actual benefits paid
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Saldo awal 152.427 49.920 (99.779) 102.568 Beginning balance

Beban tahun berjalan (14.803) (31.724) (31.133) (77.660) Current year expense
Kontribusi pemberi kerja 15.182 36.039 - 51.221 Employer’s contribution
Imbalan yang dibayarkan - - 14.988 14.988 Actual benefits paid
c. Mutasi nilai kini liabilitas pensiun adalah c. The movements in the present value of
sebagai berikut: retirement obligation are as follows:
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Saldo awal (564.649) (279.320) (138.265) (982.234) Beginning balance

Imbalan yang dibayarkan 32.007 13.901 13.425 59.333 Actual benefits paid
Rugi aktuaria pada kewajiban (53.317) (36.679) (23.255) (113.251) Actuarial loss on obligation
145

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-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
764 '$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6
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Saldo awal (741.356) (324.140) (160.148) (1.225.644) Beginning balance

Imbalan yang dibayarkan 32.657 14.811 14.988 62.456 Actual benefits paid
Rugi aktuaria pada kewajiban 204.174 76.209 34.461 314.844 Actuarial loss on obligation
d. Mutasi nilai wajar aset program adalah d. The movements in the fair value of plan
sebagai berikut: assets are as follows:
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Saldo awal 711.619 313.535 - 1.025.154 Beginning balance

Hasil yang diharapkan atas Expected return on
aset dana pensiun 56.930 25.083 - 82.013 plan assets
Kontribusi Bank 17.579 43.720 - 61.299 Bank’s contribution
Imbalan yang dibayarkan (32.007) (13.901) - (45.908) Actual benefits paid
Laba aktuaria Actuarial gain
pada aset program 36.749 3.472 - 40.221 on plan asset
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Saldo awal 700.862 268.531 - 969.393 Beginning balance

Hasil yang diharapkan atas Expected return on
aset dana pensiun 56.069 21.483 - 77.552 plan assets
Kontribusi Bank 15.182 36.040 - 51.222 Bank’s contribution
Imbalan yang dibayarkan (32.657) (14.811) - (47.468) Actual benefits paid
Laba (rugi) aktuaria Actuarial gain (loss)
pada aset program (27.837) 2.292 - (25.545) on plan asset
e. Saldo imbalan kerja untuk posisi 31 Desember e. Balance of employee benefits as of

2014 dan posisi selama empat tahun December 31, 2014 and previous four years
sebelumnya: are as follows:
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Nilai wajar aset program 790.870 711.619 700.862 638.106 634.958 Fair value of plan assets
Nilai kini dari kewajiban Present value of
pensiun (653.636) (564.649) (741.356) (676.751) (526.525) retirement obligation
BBBBB B B
Status pendanaan 137.234 146.970 (40.494) (38.645) 108.433 Funded status

Kerugian aktuaria Unrecognized actuarial
yang belum diakui 22.950 5.836 192.921 216.755 70.431 loss
BBBBB B B
Kewajiban pensiun 160.184 152.806 152.427 178.110 178.864 Retirement obligation

146

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-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
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f. Saldo imbalan kerja untuk posisi 31 Desember f. Balance of employee benefits as of

2014 dan posisi selama empat tahun December 31, 2014 and previous four years
sebelumnya: (lanjutan) are as follows: (continued)
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Nilai wajar aset program 371.909 313.535 268.531 245.268 236.266 Fair value of plan assets
BBBBB B B
Status pendanaan 758 34.215 (55.609) (2.043) 21.003 Funded status

Kerugian (keuntungan)
aktuaria yang Unrecognized actuarial
belum diakui 13.033 (19.562) 60.878 6.897 (22.029) loss (gain)
Biaya jasa lalu Unrecognized
yang belum diakui 34.514 39.582 44.651 49.719 58.017 past service cost
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48.305 54.235 49.920 54.573 56.991

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BBBBB B B
Nilai wajar aset program - - - - - Fair value of plan assets

BBBBB B B
Status pendanaan (188.238) (138.265) (160.148) (123.644) (88.312) Funded status

Keuntungan
Aktuaria yang Unrecognized actuarial
belum diakui 40.019 17.479 54.378 37.798 13.870 gain
BBBBB B B
Kewajiban pensiun (144.485) (115.924) (99.779) (78.273) (65.740) Retirement obligation

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BBBBB B B
Nilai wajar aset program 1.162.779 1.025.154 969.393 883.374 871.224 Fair value of plan assets
pensiun (1.213.025) (982.234) (1.225.644) (1.047.706) (830.100) retirement obligation
BBBBB B B
Status pendanaan (50.246) 42.920 (256.251) (164.332) 41.124 Funded status

Keuntungan
Aktuaria yang Unrecognized actuarial
belum diakui 76.002 3.753 308.177 261.450 62.272 gain
Pembatasan aset
imbalan kerja - - - - - Asset ceiling limitation
BBBBB B B
Kewajiban pensiun 64.004 91.117 102.568 154.410 170.115 Retirement obligation

g. Portofolio investasi aset program yang g. The asset program’s investment portfolio that
ditempatkan dalam bentuk instrumen placed in the form of Bank’s financial
keuangan Bank terdiri dari Surat Berharga instruments consist of government securities,
Negara, Obligasi, Deposito Berjangka dan bonds, time deposits and shares of stocks.
Saham.
147

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-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
766 '$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6
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Laba per saham dasar dihitung dengan membagi Earnings per share amounts are computed by
laba tahun berjalan yang dapat diatribusikan dividing income for the year attributable to the
kepada pemilik entitas induk dengan rata-rata equity holders of the parent entity by the weighted
tertimbang jumlah saham biasa yang beredar pada average number of common stock outstanding
tahun bersangkutan. Jumlah saham biasa yang during the year. The outstanding common stock
beredar termasuk modal disetor lainnya selama includes other paid-up capital during the year
tahun berjalan (Catatan 32). (Note 32).
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Laba tahun berjalan yang dapat Income for the year attributable
diatribusikan kepada pemilik entitas induk 1.116.095 1.372.913 to equity holders of the parent entity
Rata-rata tertimbang jumlah Weighted average number
saham biasa yang beredar of outstanding common stock
(jumlah penuh) 9.696.291.166 9.696.291.166 (full amount)
Laba per saham dasar (nilai penuh) 115,11 141,59 Basic earnings per share (full amount)
75$16$.6,'(1*$13,+$.3,+$.%(5(/$6, 5(/$7('3$57<75$16$&7,216
Dalam kegiatan normal usaha, Bank dan entitas In the normal course of business, Bank and
anak melakukan transaksi dengan pihak berelasi subsidiaries enter into certain transactions with
karena hubungan kepemilikan dan/atau parties which are related to the management
kepengurusan. Semua transaksi dengan pihak- and/or owned by the same ultimate shareholder.
pihak berelasi telah dilakukan dengan kebijakan All transactions with related parties have met the
dan syarat yang telah disepakati bersama. agreed terms and conditions.
6LIDWKXEXQJDQ
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1. Pemerintah Provinsi Pemegang saham a. Giro/Demand deposits
Jawa Barat/The pengendali/Controlling b. Simpanan nasabah/Deposits from
Government of the West shareholders customers
Java Province c. Kredit yang diberikan/Loans
2. Manajemen kunci/Key Hubungan pengendalian a. Kredit yang diberikan/Loans
management personnel kegiatan b. Simpanan nasabah/Deposits from
perusahan/relation customers
through control in the c. Kredit yang diberikan/Loans
Bank’s operation
3. BPR dan PD-LPK/BPR Hubungan kepemilikan a. Penyertaan saham/Investment in
and PD-LPK melalui pemerintah provisi shares
dan kabupaten/ownersip b. Simpanan dari bank lain/Deposits
relation through province from other banks
and regional government
4 PT Asuransi Bangun Hubungan kepemilikan a. Asuransi aset tetap/Fixed assets
Askrida melalui pemerintah provisi insurance
dan kabupatenownersip
relation through province
and regional government
148

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'$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6 767
&$7$7$1$7$6/$325$1.(8$1*$1 127(6727+(&2162/,'$7('),1$1&,$/
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75$16$.6,'(1*$13,+$.3,+$.%(5(/$6, 5(/$7('3$57<75$16$&7,216FRQWLQXHG

ODQMXWDQ
a. Tabel berikut menunjukkan jumlah agregat dari a. The following tables show the aggregate
transaksi pihak yang berelasi (selain amounts of transactions with related parties
manajemen kunci) pada tanggal-tanggal (except for key management) as of December
31 Desember 2014 dan 2013: 31, 2014 and 2013:
'HVHPEHU 'HVHPEHU
'HFHPEHU 'HFHPEHU
$VHW $VVHWV
Kredit yang diberikan dan pembiayaan/ Loans and sharia financing/
piutang syariah 870.803 929.108 receivables
Penyertaan saham 31.984 31.984 Investment in shares
7RWDODVHWGDULSLKDNSLKDN 7RWDODVVHWVIURP
EHUHODVL UHODWHGSDUWLHV
Cadangan kerugian penurunan Allowance for impairment losses
nilai dari pihak-pihak berelasi (53.884) (95.024) for related parties
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EHUHODVLQHWR SDUWLHVQHW
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EHUHODVLWHUKDGDSWRWDODVHW UHODWHGSDUWLHVWRWRWDODVVHWV
/LDELOLWDV /LDELOLWLHV
Simpanan nasabah dan simpanan Deposits from customer and
nasabah syariah 12.081.238 8.281.951 deposits from customer - sharia
Dana syirkah temporer 5.047 5.774 Temporary syirkah fund
7RWDOOLDELOLWLDVGDQGDQD
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V\LUNDKWHPSRUHUSLKDNEHUHODVL WHPSRUDU\V\LUNDKIXQGWRUHODWHG
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149

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-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
768 '$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6
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ODQMXWDQ
a. Tabel berikut menunjukkan jumlah agregat dari a. The following tables show the aggregate
transaksi pihak yang berelasi (selain amounts of transactions with related parties
manajemen kunci) pada tanggal-tanggal (except for key management) as of December
31 Desember 2014 dan 2013 (lanjutan): 31, 2014 and 2013 (continued):

3HQGDSDWDQEXQJDGDQ ,QWHUHVWLQFRPHDQGLQFRPH
EDJLKDVLO IURPSURILWVKDULQJ
Kredit yang diberikan dan pembiayaan/ Loans and sharia financing/
Penyertaan Saham 7.928 6.116 Investment in shares
7RWDOSHQGDSDWDQEXQJDGDQ 7RWDOLQWHUHVWLQFRPHDQGLQFRPH
EDJLKDVLOGDULSLKDNSLKDN IURPSURILWVKDULQJIURP
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SHQGDSDWDQEXQJDGDQEDJL LQFRPHDQGLQFRPHIURP
KDVLO SURILWVKDULQJ

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Simpanan nasabah, simpanan Deposits from customer, deposits from
nasabah syariah, dan dana syirkah customer-– sharia, and temporary
temporer 1.024.807 584.882 syirkah fund
7RWDOEHEDQEXQJDGDQERQXV 7RWDOLQWHUHVWDQGERQXVH[SHQVHV
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b. Transaksi dengan manajemen kunci: b. Transactions with key management personnel:

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Kredit yang diberikan dan pembiayaan/ Loan and sharia financing/
Cadangan kerugian penurunan Allowance for impairment losses

nilai dari manajemen kunci (10) (39) for key management personnel
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Simpanan nasabah dan simpanan Deposits from customer and deposits from
nasabah syariah 4.764.244 3.487.557 customer - sharia
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GDQGDQDV\LUNDKWHPSRUHU DQGWHPSRUDU\V\LUNDKIXQG
150

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-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
'$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6 769
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b. Transaksi dengan manajemen kunci (lanjutan): b. Transactions with key management personnel
(continued):


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Kredit yang diberikan dan piutang/ Loan and sharia
pembiayaan syariah 25 372 financing/receivables
SHQGDSDWDQEXQJDGDQEDJL LQFRPHDQGLQFRPHIURP
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Simpanan nasabah dan simpanan Deposits from customer and deposits from
nasabah syariah 29 243 customer - sharia
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Direksi 63.570 46.916 Board of Directors
Dewan Komisaris 20.783 18.652 Board of Commissioners
Karyawan Kunci 57.181 62.989 Key Employees
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Rincian bagian kepentingan non-pengendali atas Details of non-controlling interests proportionate
aset neto dan laba tahun berjalan entitas anak share in the net assets and income for the year of
yang dikonsolidasi adalah sebagai berikut: the consolidated subsidiaries are as follows:

.HSHQWLQJDQQRQSHQJHQGDOL .HSHQWLQJDQQRQSHQJHQGDOL
SDGDHQWLWDVDQDN\DQJ SDGDHQWLWDVDQDN\DQJ
GLNRQVROLGDVLQRQFRQWUROOLQJ GLNRQVROLGDVLQRQFRQWUROOLQJ
LQWHUHVWLQFRQVROLGDWHG LQWHUHVWLQFRQVROLGDWHG
VXEVLGLDULHV VXEVLGLDULHV
/DEDWDKXQ /DEDWDKXQ
EHUMDODQ EHUMDODQ
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1HWDVVHW WKH\HDU 1HWDVVHW WKH\HDU
(QWLWDVDQDN 6XEVLGLDULHV
PT Bank Jabar Banten PT Bank Jabar Banten
Syariah 13.721 523 14.430 651 Syariah
PD BPR LPK Garut Kota 14.749 1.725 10.389 1.296 PD BPR LPK Garut Kota
PD BPR LPK
Jalan Cagak 12.101 1.692 9.225 1.527 PD BPR LPK Jalan Cagak
1HWR 1HW
151

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-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
770 '$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6
&$7$7$1$7$6/$325$1.(8$1*$1 127(6727+(&2162/,'$7('),1$1&,$/
.2162/,'$6,$1 67$7(0(176

,1)250$6,6(*0(186$+$ 6(*0(17,1)250$7,21
Bank mempertimbangkan jenis usaha sebagai The Bank considers the nature of its business as
segmen utama dan lokasi geografis sebagai the primary segment and geographical areas as
segmen sekunder. the secondary segment.
Informasi yang berkaitan dengan segmen usaha Information concerning the primary segment
yang utama dari Bank disajikan dalam tabel di information of the Bank is set out in the table
bawah ini: below:
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7DKXQ\DQJ%HUDNKLUSDGDWDQJJDO'HVHPEHU
<HDU(QGHG'HFHPEHU
.RQYHQVLRQDO 6\DULDK (OLPLQDVL

&RQYHQWLRQDO 6KDULD (OLPLQDWLRQ 7RWDO
Pendapatan segmen 8.200.842 590.978 - 8.791.820 Segment income

Beban segmen (3.978.208) (352.014) - (4.330.222) Segment expenses
Pendapatan segmen - neto 4.222.634 238.964 - 4.461.598 Segment Income - net
Pendapatan operasional
lainnya 553.203 12.701 - 565.904 Other operating income
penyisihan kerugian penurunan Provision for impairment
nilai aset keuangan dan losses on financial assets
non-aset keuangan (694.006) 31.325 - (662.681) and non-financial assets
Beban estimasi Estimated losses on
kerugian komitmen dan commitments and
kontinjensi - (631) - (631) contingencies
Beban operasional lainnya (2.701.533) (246.822) - (2.948.355) Other operating expenses
Laba operasional 1.380.298 35.537 - 1.415.835 Income from operations

Pendapatan (beban) bukan Non-operating income
operasional - neto 34.815 (5) (12.155) 22.655 (expenses) - net
Beban pajak - neto (305.667) (12.788) - (318.455) Tax expense - net
/DEDWDKXQEHUMDODQ 1.109.446 22.744 (12.155) 1.120.035 ,QFRPHIRUWKH\HDU
7RWDODVHW 7RWDODVVHWV

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Pendapatan segmen 7.624.965 508.023 - 8.132.988 Segment income

Beban segmen (3.107.393) (243.452) - (3.350.845) Segment expenses
Pendapatan segmen - neto 4.517.572 264.571 - 4.782.143 Segment Income - net
Pendapatan operasional
lainnya 438.943 8.608 9.707 457.258 Other operating income
penyisihan kerugian penurunan Provision for impairment
nilai aset keuangan dan losses on financial assets
non-aset keuangan (541.809) (27.740) (46.518) (616.067) and non-financial assets
Beban estimasi Estimated losses on
kerugian komitmen dan commitments and
kontinjensi - (65) - (65) contingencies
Beban operasional lainnya (2.667.102) (204.236) - (2.871.338) Other operating expenses
Laba operasional 1.747.604 41.138 (36.811) 1.751.931 Income from operations

Pendapatan (beban) bukan Non-operating income
operasional - neto 2.987 (568) (1.476) 943 (expenses) - net
Beban pajak - neto (368.391) (12.255) 4.159 (376.487) Tax expense - net
/DEDWDKXQEHUMDODQ ,QFRPHIRUWKH\HDU

152

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-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
'$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6 771
&$7$7$1$7$6/$325$1.(8$1*$1 127(6727+(&2162/,'$7('),1$1&,$/
.2162/,'$6,$1 67$7(0(176

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Informasi yang berkaitan dengan segmen usaha Information concerning the secondary segment
sekunder dari Bank disajikan dalam tabel di bawah information of the Bank is set out in the table
ini: below:
3
Jawa Barat 48.700.957 58.366.747 West Java
Banten 14.276.724 6.666.202 Banten
DKI Jakarta 9.976.588 4.684.595 DKI Jakarta
Jawa Tengah 748.825 437.248 Central Java
Jawa Timur 670.588 357.267 East Java
Sumatera Selatan 657.031 252.764 South Sumatera
Riau 366.587 129.416 Riau
Sumatera Utara 260.731 111.469 North Sumatera
Kepulauan Riau 224.144 130.800 Riau Island
Bali 181.032 147.557 Bali
Kalimantan Timur 180.579 114.621 East Kalimantan
Kalimantan Selatan 170.689 147.926 South Kalimantan
Sulawesi Selatan 141.826 123.105 South Sulawesi
76.556.301 71.669.717
Eliminasi (719.764) (711.484) Elimination
7RWDO 7RWDO
6LPSDQDQQDVDEDKVLPSDQDQQDVDEDK 'HSRVLWVIURPFXVWRPHUVGHSRVLWVIURP
6\DULDKVLPSDQDQGDULEDQNODLQGDQ FXVWRPHUVVKDULDGHSRVLWVIURPRWKHU
GDQDV\LUNDKWHPSRUHU EDQNVDQGWHPSRUDU\V\LUNDKIXQGV
Banten 10.249.634 8.906.598 Banten
DKI Jakarta 7.641.232 6.415.168 DKI Jakarta
Riau 324.200 257.057 Riau
Bali 43.784 115.846 Bali
61.750.358 55.590.714
7RWDO 7RWDO
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Banten 1.090.418 1.035.052 Banten
DKI Jakarta 501.221 417.165 DKI Jakarta
Riau 21.875 14.777 Riau
Bali 16.272 10.667 Bali
Total 9.357.724 8.580.539 Total
Eliminasi - 9.707 Elimination
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*) Terdiri dari pendapatan bunga dan bagi hasil syariah, *) Consist of interest and sharia profit sharing income, fees and
pendapatan provisi dan komisi dan pendapatan operasional commission income and other operating income.
lainnya.
153

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-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
772 '$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6
&$7$7$1$7$6/$325$1.(8$1*$1 127(6727+(&2162/,'$7('),1$1&,$/
.2162/,'$6,$1 67$7(0(176

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%HEDQRSHUDVLRQDO 2SHUDWLQJH[SHQVHV
DKI Jakarta 919.601 640.990 DKI Jakarta
Banten 850.576 664.311 Banten
Riau 25.384 14.747 Riau
Bali 12.842 12.833 Bali
7.941.889 6.791.797
Eliminasi - 46.518 Elimination
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Kalimantan Timur 6.037 (2.725) East Kalimantan
Sumatera Selatan 5.520 (17.272) South Sumatera
Bali 3.430 (2.167) Bali
Riau (3.508) 31 Riau
Sumatera Utara (6.357) (6.573) North Sumatera
Jawa Timur (24.910) 2.294 East Java
DKI Jakarta (418.400) (223.824) DKI Jakarta
1.415.835 1.788.743
Eliminasi - (36.812) Elimination
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Jawa Barat 686.971 1.217.887 West Java
DKI Jakarta 14.176 (48.403) DKI Jakarta
Riau 9.418 4.661 Riau
Kepulauan Riau 3.159 1.262 Kepulauan Riau
Sumatera Utara 1.083 (4.004) North Sumatera
Kalimantan Timur 26 (5.729) East Kalimantan
Sulawesi Selatan (460) (1.089) South Sulawesi
Bali (2.814) (3.131) Bali
Jawa Tengah (3.630) 3.372 Central Java
Jawa Timur (7.254) (1.542) East Java
1.450.645 1.791.161
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**) Terdiri dari beban bunga dan bagi hasil syariah, dan beban **) Consist of interest expense and sharia profit sharing, and other
operasional lainnya. operating expense.
154

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-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
'$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6 773
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Sesuai dengan karakteristiknya, kredit yang ada di In accordance with the loan characteristics, the
Bank dan entitas anak saat ini terbagi dalam kredit Bank’s and subsidiaries’ loan portfolios are
produktif dan kredit konsumtif. Untuk mengelola classified into productive loans and consumer
risikonya, Bank dan entitas anak mengukur risiko loans. In order to manage the risk, the Bank and
kredit dari portofolio yang ada baik secara subsidiaries measure credit risk arising from the
kuantitatif maupun secara kualitatif. Hal ini untuk existing portfolios quantitatively and qualitatively to
memastikan kemungkinan kerugian dari tidak ensure that the potential losses from default loans
dibayarnya pinjaman yang diberikan menjadi are minimized, both for individual borrowers and
seminimal mungkin, baik untuk debitur individual the overall portfolio.
maupun secara keseluruhan.
Sistem dan prosedur kredit Bank dan entitas anak The Bank’s and subsidiries’ credit system and
telah dibakukan untuk menjamin diterapkannya procedures have been formalized to ensure
kebijakan dan pelaksanaan pemberian pinjaman consistent implementation and policy in credit
secara konsisten. Untuk kredit produktif, Bank dan approval. For productive loans, the Bank uses the
entitas anak menggunakan model Internal Credit Internal Credit Risk Rating model to analyze the
Risk Rating untuk menganalisis risiko bisnis dan business and financial risks of debtors objectively
finansial dari debitur secara obyektif dan and to give ratings to debtors. In addition, the Bank
memberikan rating kepada nasabahnya. Selain itu, and subsidiaries also use Credit Risk Capital
Bank dan entitas anak juga menggunakan Credit Allocation and Pricing in quantifying credit risk and
Risk Capital Allocation and Pricing untuk determining the appropriate pricing.
mengkuantifikasi risiko kredit dan menentukan
harga yang sesuai berdasarkan risiko kredit.
Untuk kredit konsumtif maupun produktif, Bank dan For both consumer loans and productive loans, the
entitas anak menggunakan model Internal Credit Bank and subsidiaries use the internal Credit
Scoring untuk menganalisis dan menghitung risiko Scoring model to analyze and calculate the credit
dari pemberian kredit kepada konsumer. risk for consumer.
Dalam rangka menerapkan prinsip pemberian To implement a healthy credit granting process,
kredit yang sehat, Bank dan entitas anak the Bank and subsidiaries apply the Four Eyes
menerapkan prinsip Four Eyes (pengambilan Principle (credit decision-making by two persons or
keputusan kredit yang dilakukan oleh dua orang more) at each branch office by using Credit
atau lebih) pada setiap kantor cabang dengan Scoring and Credit Reviewer.
penggunaan Credit Scoring dan Credit Reviewer.
Berikut ini adalah rasio kredit bermasalah/ The following are the non-performing loans (NPL)
non-performing loans (NPL) dan rasio kualitas ratios and the earnings asset quality ratio of the
aset produktif Bank dan entitas anak (konsolidasi) Bank and subsidiaries (consolidated) as of
pada tanggal-tanggal 31 Desember 2014 dan December 31, 2014 and 2013:
2013:
ϯ
Rasio NPL-bruto 4,29% 2,76% NPL ratio - gross

Rasio NPL-neto 1,28% 0,68% NPL ratio - net
Rasio kualitas aset produktif (tidak diaudit) 3,31% 1,86% Earnings assets quality ratio (unaudited)
Rasio kualitas aset produktif merupakan rasio aset Earnings asset quality ratio is the ratio of assets
yang diklasifikasikan sebagai non-performing classified as non-performing to total earning
dibandingkan dengan jumlah aset produktif. assets.
Sistem pengelolaan manajemen risiko kredit Bank The Bank and subsidiaries credit risk management
dan entitas anak telah dibakukan dalam suatu system has been standardized in the Bank’s
Pedoman Perusahaan (PP) dan dikaji secara Guidelines (PP) and reviewed periodically.
periodik.
155

37%$1.3(0%$1*81$1'$(5$+ 37%$1.3(0%$1*81$1'$(5$+
-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
774 '$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6
&$7$7$1$7$6/$325$1.(8$1*$1 127(6727+(&2162/,'$7('),1$1&,$/
.2162/,'$6,$1 67$7(0(176

5,6,.2.5(',7ODQMXWDQ &5(',75,6.FRQWLQXHG

(i) Analisa eksposur maksimum terhadap risiko (i) Analysis on maximum exposures against
kredit setelah memperhitungkan dampak credit risks considering the impact of collateral
agunan dan mitigasi risiko kredit lainnya: and other credit risks mitigation:
Nilai tercatat dari aset keuangan Bank selain The carrying value of the Bank’s financial
kredit yang diberikan menggambarkan assets other than loans represents its
eksposur maksimum atas risiko kredit. maximum exposure to credit risk.
Bank menetapkan jenis dan nilai agunan yang The Bank determined the type and value of
dijaminkan sesuai skema kredit dan perkiraan collateral according to the loan scheme as well
tingkat risiko kredit dari counterparty sebagai as estimated credit risk level from the
second way out yang ditetapkan. Jenis dari counterparty as a determined second way out.
agunan terdiri dari: The types of collateral are as follows:
a) Physical collateral, berupa tanah dan a) Physical collateral, such as land and
bangunan. buildings.
b) Financial collateral, berupa simpanan b) Financial collateral, such as third party

(tabungan, giro dan deposito), surat funds (saving deposits, demand deposits
berharga, dan lain-lain. and time deposits), securities, etc.
c) Lainnya berupa garansi, lembaga c) Others, such as guarantees, guarantee

penjamin, dan lain-lain. institution, etc.
Pemberian kredit yang dilaksanakan oleh Bank The loan granting conducted by the Bank is
diatur dalam kebijakan dan prosedur stipulated in the loan policy and procedure in
perkreditan dimana untuk setiap jenis atau which every loan type or scheme has minimum
skema kredit telah ditentukan agunan minimal determinable collaterals that should be fulfilled.
yang harus dipenuhi.
Untuk segmen kredit komersial, sesuai For commercial loans segment, according to
ketentuan perkreditan wajib dijamin oleh the loan policy has to be collateralized
agunan yang memadai. Agunan dapat berupa adequately. The collaterals can be physical
physical collateral, financial collateral atau collateral, financial collateral or others such as
lainnya berupa tagihan usaha atau garansi. accounts receivable or guarantees. All
Untuk seluruh agunan khususnya physical collaterals particularly for physical collateral will
collateral akan dilakukan retaksasi dimana nilai be assessed in which the collateral’s
likuidasi atas agunan tersebut yang akan liquidation value will be use in determining the
dipergunakan dalam menentukan kecukupan coverage ratio.
nilai agunan (coverage ratio).
Selain aspek agunan untuk meminimalkan In addition collateral aspect to minimize credit
risiko kredit, pemberian kredit oleh Bank selalu risk, loan granting is conducted based on
dilakukan berdasarkan evaluasi dan analisa evaluation and feasibility analysis so that the
kelayakan sehingga kemampuan loan repayment ability (first way out) can be
pengembalian kredit (first way out) dapat ascertained.
dipastikan.
Adanya keharusan bagi debitur untuk The necessity for debtors to comply with
memenuhi agunan yang dipersyaratkan, collaterals requirement, loan feasibility
evaluasi atas kelayakan kredit, pengikatan evaluation, notarial agreement and pre
kredit secara legal dan prosedur pre screening screening procedures will decrease the Bank’s
akan menurunkan credit risk eksposur Bank ke credit risk exposure to the acceptable level.
tingkat yang layak dan dapat diterima.
156

37%$1.3(0%$1*81$1'$(5$+ 37%$1.3(0%$1*81$1'$(5$+
-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
'$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6 775
&$7$7$1$7$6/$325$1.(8$1*$1 127(6727+(&2162/,'$7('),1$1&,$/
.2162/,'$6,$1 67$7(0(176

Manajemen yakin akan kemampuan Bank dan Management believes on the Bank’s and
entitas anak untuk mengendalikan dan subsidiaries’ abilities to control and maintain
memelihara eksposur risiko kredit yang berasal their credit risk exposure arising from loans
dari kredit yang diberikan berdasarkan hal-hal based on the following:
sebagai berikut:
% Bank dan entitas anak telah memiliki % The Bank and subsidiaries have written
pedoman tertulis mengenai kebijakan dan guidelines regarding credit policies and
proses kredit yang mencakup seluruh processes that cover all aspects of
aspek pemberian kredit yang dilakukan. loans granted. Each granting of credit
Setiap pemberian kredit harus senantiasa should always refer to such policy.
mengacu pada kebijakan tersebut.
% Bank dan entitas anak telah memiliki sistem
deteksi dini permasalahan melalui ”early % The Bank and subsidiaries have an
warning system” dan pemantauan yang early problem detection system through
‘early warning system’ and disciplined
disiplin.
monitoring.
(ii) Konsentrasi risiko aset keuangan konsolidasi (ii) Concentration of consolidated financial
dengan eksposur risiko kredit asset risk with credit risk exposure
a) Sektor geografis a) Geographic sector
Tabel berikut menggambarkan rincian The following tables describe the details
eksposur kredit Bank dan entitas anak of the Bank's and subsidiaries credit
pada nilai tercatat (tanpa exposures at the carrying amount
memperhitungkan agunan atau pendukung (without calculating collateral or other
kredit lainnya), yang dikategorikan credit support), which are categorized
berdasarkan area geografis pada tanggal according to geographic areas as of
31 Desember 2014 dan 2013. Untuk tabel December 31, 2014 and 2013. This
ini Bank dan entitas anak telah table displays that the Bank and
mengalokasikan eksposur area subsidiaries have identified exposure by
berdasarkan wilayah geografis tempat geographical area where they are
mereka beroperasi. operating.
'HVHPEHU'HFHPEHU
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Giro pada Current accounts with

Bank Indonesia 5.177.942 - - - - 5.177.942 Bank Indonesia
Giro pada bank lain 125.791 2.684 118 6 5 128.604 other banks
Penempatan pada Placements with
Bank Indonesia Bank Indonesia
dan bank lain 3.964.263 415.000 270.000 115.000 - 4.764.263 and other banks
Surat-surat berharga 7.125.371 - - - - 7.125.371 Marketable securities
Efek-efek yang dibeli
dengan janji Marketable securities purchased
dijual kembali 568.461 - - - - 568.461 under agreement to resell
Wesel Ekspor Bills
dan tagihan lainya 19.555 - - - - 19.555 and other receivable
Tagihan akseptasi 8.191 10.244 - - - 18.435 Acceptances receivable
Kredit yang diberikan
dan pembiayaan Loans and sharia
syariah 52.449.990 944.223 334.942 124.340 163.619 54.017.114 financing
Penyertaan saham 31.984 - - - - 31.984 Investment in shares
Bunga yang masih
akan diterima 442.238 6.717 2.148 660 879 452.642 Interest receivables
Asset lain-lain*) 9.533 - 7 - - 9.540 Other assets*)
Total kotor 69.923.319 1.378.868 607.215 240.006 164.503 72.313.911 Total - gross

penurunan nilai (1.695.436) impairment losses
7RWDOQHWR 7RWDOQHW
*) Terdiri dari setoran jaminan *) Consists of security deposits
157

37%$1.3(0%$1*81$1'$(5$+ 37%$1.3(0%$1*81$1'$(5$+
-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
776 '$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6
&$7$7$1$7$6/$325$1.(8$1*$1 127(6727+(&2162/,'$7('),1$1&,$/
.2162/,'$6,$1 67$7(0(176

dengan eksposur risiko kredit (lanjutan) asset risk with credit risk exposure
(continued)
a) Sektor geografis (lanjutan) a) Geographic sector (continued)

'HVHPEHU'HFHPEHU

Giro pada bank lain 176.299 162 506 7 5 176.979 other banks
dan bank lain 2.577.314 - 52.023 - - 2.629.337 and other banks
Surat-surat berharga 10.291.810 - - - - 10.291.810 Marketable securities
Wesel Ekspor Bills
dan tagihan lainya 44.721 - - - - 44.721 and other receivable
Tagihan akseptasi 31.235 2.000 33.235 Acceptances receivable
dan pembiayaan Loans and sharia
syariah 47.858.524 589.019 202.174 115.796 136.827 48.902.340 financing
Penyertaan saham 31.984 - - - - 31.984 Investment in shares
Bunga yang masih
akan diterima 412.477 3.534 1.185 463 701 418.360 Interest receivables
Asset lain-lain*) 9.651 - 7 - 1 9.659 Other assets*)
Total kotor 65.888.123 592.715 255.895 116.266 139.534 66.992.533 Total - gross

7RWDOQHWR 7RWDOQHW
Eksposur risiko kredit atas rekening administratif Credit risk exposure on the consolidated
konsolidasian adalah sebagai berikut: administrative accounts are as follows:

'HVHPEHU'HFHPEHU
Rekening Administratif Administrative Accounts

Irrevocable letters of Outstanding
credit yang masih irrevocable
berjalan 60.859 10.386 - 4.111 - 75.356 letters of credit
Garansi yang diberikan 914.834 349.612 34.126 - - 1.298.572 Guarantees issued
7RWDO 7RWDO

'HVHPEHU'HFHPEHU
Rekening Administratif Administrative Accounts

Irrevocable letters of Outstanding
credit yang masih irrevocable
berjalan 88.710 65.835 - 1.266 - 155.811 letters of credit
Garansi yang diberikan 996.910 279.861 24.032 12.735 - 1.313.538 Guarantees issued
7RWDO 7RWDO
158

37%$1.3(0%$1*81$1'$(5$+ 37%$1.3(0%$1*81$1'$(5$+
-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
'$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6 777
&$7$7$1$7$6/$325$1.(8$1*$1 127(6727+(&2162/,'$7('),1$1&,$/
.2162/,'$6,$1 67$7(0(176

(continued)
(b) Sektor industri (b) Industry Sector
Tabel berikut menggambarkan rincian The following tables describe the details
eksposur kredit Bank dan entitas anak of the Bank's and subsidiaries’ credit
pada nilai tercatat (tanpa exposures at the carrying amount
memperhitungkan agunan atau pendukung (without calculating the collateral or other
kredit lainnya), yang dikategorikan credit support), which are categorized by
berdasarkan sektor industri. industry sector.

'HVHPEHU'HFHPEHU

3HPHULQWDK
WHUPDVXN /HPEDJD
%DQN NHXDQJDQ
,QGRQHVLD EXNDQEDQN 3HUXVDKDDQ
*RYHUQPHQW 1RQEDQN ODLQQ\D
LQFOXGLQJ%DQN ILQDQFLDO 2WKHU 3HUVHRUDQJDQ

,QGRQHVLD %DQN LQVWLWXWLRQV &RPSDQLHV ,QGLYLGXDOV 7RWDO

Giro pada bank lain - 128.604 - - - 128.604 other banks
Bank Indonesia Bank Indonesia and
dan bank lain 2.792.247 1.942.584 - 29.432 - 4.764.263 other banks
Surat berharga 6.084.734 425.814 504.823 110.000 - 7.125.371 Marketable securities
dengan janji purchased under
dijual kembali 568.461 - - - - 568.461 agreements to resell
Wesel ekspor dan Bills and
tagihan lainnya - 19.555 - - - 19.555 other receivables
Tagihan akseptasi - - - 18.435 - 18.435 Acceptances receivable
dan pembiayaan Loans and
syariah 2.564.492 302.913 1.956.989 2.164.289 47.028.431 54.017.114 sharia financing
Penyertaan saham - 11.984 20.000 - - 31.984 Investment in shares
Bunga yang masih
akan diterima 17.935 1.458 11.019 6.206 416.024 452.642 Interest receivables
Aset lain-lain*) - - - 9.540 - 9.540 Other assets*)
Total kotor 17.205.811 2.832.912 2.492.831 2.337.902 47.444.455 72.313.911 Total - gross

7RWDOQHWR 7RWDOQHW

.

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3HPHULQWDK
WHUPDVXN /HPEDJD
%DQN NHXDQJDQ


Giro pada bank lain - 176.979 - - - 176.979 other banks
Bank Indonesia Bank Indonesia and
dan bank lain 1.668.402 960.935 - - - 2.629.337 other banks
Surat berharga 9.195.570 452.239 501.992 142.009 - 10.291.810 Marketable securities
tagihan lainnya - 44.721 - - - 44.721 other receivables
Tagihan akseptasi - - - 33.235 - 33.235 Acceptances receivable
159

37%$1.3(0%$1*81$1'$(5$+ 37%$1.3(0%$1*81$1'$(5$+
-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
778 '$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6
&$7$7$1$7$6/$325$1.(8$1*$1 127(6727+(&2162/,'$7('),1$1&,$/
.2162/,'$6,$1 67$7(0(176

(continued)
(b) Sektor industri (lanjutan) (b) Industry Sector (continued)
'HVHPEHU'HFHPEHU

3HPHULQWDK
WHUPDVXN /HPEDJD
%DQN NHXDQJDQ


dan pembiayaan Loans and
syariah 2.620.872 99.993 1.274.940 2.162.123 42.744.412 48.902.340 sharia financing
Penyertaan saham - 11.984 20.000 - - 31.984 Investment in shares
Bunga yang masih
akan diterima 6.604 1.123 22.182 38.559 349.892 418.360 Interest receivables
Aset lain-lain*) - - - 9.659 - 9.659 Other assets*)
Total kotor 17.945.556 1.747.974 1.819.114 2.385.585 43.094.304 66.992.533 Total - gross

7RWDOQHWR 7RWDOQHW

.
Eksposur risiko kredit atas rekening Credit risk exposure on the consolidated
administratif konsolidasian adalah sebagai administrative accounts are as follows:
berikut:
'HVHPEHU'HFHPEHU

3HPHULQWDK
WHUPDVXN /HPEDJD
%DQN NHXDQJDQ
LQFOXGLQJ%DQN %DQN ILQDQFLDO 2WKHU 3HUVHRUDQJDQ 7RWDO
,QGRQHVLD %DQNV LQVWLWXWLRQV &RPSDQLHV ,QGLYLGXDOV 7RWDO
5HNHQLQJ$GPLQLVWUDWLI $GPLQLVWUDWLYH$FFRXQWV
yang masih berjalan - - 75.356 - 75.356 letters of credit
Garansi yang diterbitkan - 180.640 - 1.046.085 - 1.226.725 Guarantees issued
7RWDO 7RWDO
'HVHPEHU'HFHPEHU

3HPHULQWDK
WHUPDVXN /HPEDJD
%DQN NHXDQJDQ
5HNHQLQJ$GPLQLVWUDWLI $GPLQLVWUDWLYH$FFRXQWV
yang masih berjalan - - - 155.811 - 155.811 letters of credit
Garansi yang diterbitkan 1.618 9.036 77.699 828.678 396.507 1.313.538 Guarantees issued
7RWDO 7RWDO
160

37%$1.3(0%$1*81$1'$(5$+ 37%$1.3(0%$1*81$1'$(5$+
-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
'$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6 779
&$7$7$1$7$6/$325$1.(8$1*$1 127(6727+(&2162/,'$7('),1$1&,$/
.2162/,'$6,$1 67$7(0(176

(iii) Informasi mengenai aset keuangan yang (iii) Information about impaired and not impaired
mengalami dan tidak mengalami penurunan financial assets
nilai
1. Giro pada Bank Lain 1. Current Accounts with Other Banks

'HVHPEHU'HFHPEHU
7LGDNPHQJDODPL 0HQJDODPL
SHQXUXQDQQLODL SHQXUXQDQQLODL
1RW,PSDLUHG ,PSDLUHG 7RWDO
Rupiah 44.138 44.138 Rupiah

Mata Uang Asing 84.404 62 84.466 Foreign currencies
Total 128.542 62 128.604 Total
Cadangan kerugian

1HWR 1HW
'HVHPEHU'HFHPEHU
Rupiah 36.490 - 36.490 Rupiah

Mata Uang Asing 140.398 91 140.489 Foreign currencies
Total 176.888 91 176.979 Total
Cadangan kerugian
penurunan nilai - (91) (91) Allowance for impairment losses

1HWR 1HW
2. Penempatan pada Bank Indonesia dan 2. Placement with Bank Indonesia and other
Bank Lain Banks
'HVHPEHU'HFHPEHU
Rupiah 4.702.338 - 4.702.338 Rupiah

Mata Uang Asing 61.925 - 61.925 Foreign currencies
Total 4.764.263 - 4.764.263 Total
Cadangan kerugian
penurunan nilai (3.154) - (3.154) Allowance for impairment losses

1HWR 1HW
161

37%$1.3(0%$1*81$1'$(5$+ 37%$1.3(0%$1*81$1'$(5$+
-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
780 '$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6
&$7$7$1$7$6/$325$1.(8$1*$1 127(6727+(&2162/,'$7('),1$1&,$/
.2162/,'$6,$1 67$7(0(176

mengalami dan tidak mengalami penurunan financial assets (continued)
nilai (lanjutan)
2. Penempatan pada Bank Indonesia dan 2. Placement with Bank Indonesia and other
Bank Lain (lanjutan) Banks (continued)

'HVHPEHU'HFHPEHU
Rupiah 2.629.337 - 2.629.337 Rupiah

Mata Uang Asing - - - Foreign currencies
Total 2.629.337 - 2.629.337 Total
Cadangan kerugian
penurunan nilai (352) - (352) Allowance for impairment losses

1HWR 1HW
3. Surat Berharga 3. Marketable Securities
Per 31 Desember 2014 dan 2013, aset As of December 31, 2014 and 2013, these
keuangan ini tidak mengalami penurunan financial assets are not impaired.
nilai,
4. Wesel eskpor dan tagihan lainnya 4. Bills and other receivables
Per 31 Desember 2014 dan 2013, aset As of December 31, 2014 and 2013, these
keuangan ini tidak mengalami penurunan financial assets are not impaired individually
nilai secara individual maupun kolektif, as well as collectively.
5. Kredit yang diberikan 5. Loans
Ikhtisar kredit yang diberikan adalah sebagai The details of loans are as follows:
berikut:

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WLGDNPHQJDODPLSHQXUXQDQ GDQWLGDN
QLODLQHLWKHUSDVWGXH PHQJDODPL
QRULPSDLUHG SHQXUXQDQ

QLODL 0HQJDODPL
7LQJNDW 3DVWGXH SHQXUXQDQ
7LQJNDW7LQJJL VWDQGDU EXWQRW QLODL
+LJK*UDGH 6WDQGDUGJUDGH ,PSDLUHG ,PSDLUHG 7RWDO

dan piutang/ Loans and sharia
pembiayaan syariah financing/receivables
Perdagangan - 2.492.257 1.283.704 116.028 3.891.989 Trading
Jasa-jasa dunia usaha - 2.543.234 167.851 209.421 2.920.506 Business Services
Konstruksi - 2.541.872 106.866 258.245 2.906.983 Construction
Pengangkutan dan gudang - 230.530 137.848 143.219 511.597 Transportation and warehousing
Industri - 1.356.698 198.567 66.550 1.621.815 Industry
Jasa-jasa sosial - 389.901 43.927 5.792 439.620 Social services
Pertanian - 514.544 324.654 64.097 903.295 Agriculture
Listrik, gas dan air - 334.804 539 3.507 338.850 Electricity, gas and water
Pertambangan - 63.365 5.702 5.661 74.728 Mining
Lain-lain 28.783.880 10.723.444 822.758 77.649 40.407.731 Others

7RWDO 7RWDO


1HWR 1HW

162

37%$1.3(0%$1*81$1'$(5$+ 37%$1.3(0%$1*81$1'$(5$+
-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
'$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6 781
&$7$7$1$7$6/$325$1.(8$1*$1 127(6727+(&2162/,'$7('),1$1&,$/
.2162/,'$6,$1 67$7(0(176

mengalami dan tidak mengalami penurunan financial assets (continued)
nilai (lanjutan)
5. Kredit yang diberikan (lanjutan) 5. Loans (lanjutan)

'HVHPEHU'HFHPEHU


QLODL 0HQJDODPL


Transportation and
Pengangkutan dan gudang - 236.737 153.800 4.662 395.199 warehousing
Pertanian - 829.777 153.473 57.701 1.040.951 Agriculture
Listrik, gas dan air - 352.418 5.177 4.262 361.857 Electricity, gas and water
Lain-lain 25.772.096 8.162.263 563.482 23.812 34.521.653 Others

7RWDO 7RWDO



1HWR 1HW

Bank melakukan penilaian secara individual The Bank assesses individually for: (a) loans
untuk: (a) kredit dengan plafon di atas with principal above Rp1 billion which are
Rp1 miliar dengan kolektibilitas kurang lancar, classified as substandard, doubtful and loss,
diragukan dan macet; dan (b) kredit yang and (b) restructured loans.
direstrukturisasi.
Penilaian secara kolektif dilakukan untuk Collective assessment is applied to loans with
kredit dengan plafon di bawah Rp1 miliar principal below Rp1 billion which are classified
dengan kolektibilitas lancar dan dalam as current and specific and is not restructured.
perhatian khusus serta tidak direstrukturisasi.
163

37%$1.3(0%$1*81$1'$(5$+ 37%$1.3(0%$1*81$1'$(5$+
-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
782 '$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6
&$7$7$1$7$6/$325$1.(8$1*$1 127(6727+(&2162/,'$7('),1$1&,$/
.2162/,'$6,$1 67$7(0(176

(iv) Tabel di bawah menunjukkan kualitas aset (iv) The tables below show the quality of financial
keuangan berdasarkan golongan aset untuk assets by class of assets for all financial
semua aset keuangan yang mempunyai risiko assets with credit risk (gross of allowance for
kredit, nilai yang disajikan adalah bruto impairment losses)

'HVHPEHU'HFHPEHU


QLODL 0HQJDODPL

1LODLZDMDUPHODOXL )DLUYDOXHWKURXJK
ODSRUDQODEDUXJL SURILWRUORVV
Surat berharga 712.455 - - - 712.455 Marketable securities

'LPLOLNLKLQJJDMDWXKWHPSR +HOGWRPDWXULWL\
Surat berharga 6.412.916 - - - 6.412.916 Marketable securities

.UHGLWGDQSLXWDQJ /RDQVDQGUHFHLYDEOHV
Giro pada bank Indonesia 5.177.942 - - - 5.177.942 Bank Indonesia
Giro pada bank lain 128.542 - - 62 128.604 other banks
dan bank lain 4.764.263 - - - 4.764.263 and other banks
dengan janji purchased under
dijual kembali 568.461 - - - 568.461 agreements to resell
Wesel ekspor dan tagihan lainnya 19.555 - - - 19.555 Bills and other receivable
Tagihan akseptasi 18.435 - - - 18.435 Acceptance receivables
Penyertaan saham - 27.748 - 4.236 31.984 Investment in shares
Transportation and
Pertanian - 514.544 324.654 64.097 903.295 Agriculture
Listrik, gas dan air - 334.804 539 3.507 338.850 Electricity, gas, and water
Lain-lain 28.783.880 10.723.444 822.758 77.649 40.407.731 Others
Bunga yang masih
akan diterima - 452.642 - - 452.642 Interest receivables
Aset lain-lain*) 9.540 - - - 9.540 Other assets*)

7RWDO 7RWDO


1HWR 1HW

*) Terdiri dari setoran jaminan *) Consists of guarantee deposits

164

37%$1.3(0%$1*81$1'$(5$+ 37%$1.3(0%$1*81$1'$(5$+
-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
'$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6 783
&$7$7$1$7$6/$325$1.(8$1*$1 127(6727+(&2162/,'$7('),1$1&,$/
.2162/,'$6,$1 67$7(0(176


(iv) Tabel di bawah menunjukkan kualitas aset (iv) The tables below show the quality of financial
kredit (nilai yang disajikan adalah bruto) impairment losses) (continued)
(lanjutan)
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1LODLZDMDUPHODOXL )DLUYDOXHWKURXJK
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Surat berharga 698.253 - - - 698.253 Marketable securities

'LPLOLNLKLQJJDMDWXKWHPSR +HOGWRPDWXULWL\
Surat berharga 9.593.557 - - - 9.593.557 Marketable securities

.UHGLWGDQSLXWDQJ /RDQVDQGUHFHLYDEOHV
Giro pada bank Indonesia 4.454.108 - - - 4.454.108 Bank Indonesia
Giro pada bank lain 176.881 - - 98 176.979 other banks
dan bank lain 2.629.337 - - - 2.629.337 and other banks
Wesel ekspor dan tagihan lainnya 44.721 - - - 44.721 Bills and other receivable
Tagihan akseptasi 33.235 - - - 33.235 Acceptance receivables
Penyertaan saham - 24.415 - 7.569 31.984 Investment in shares
Transportation and
Pertanian - 829.777 153.473 57.701 1.040.951 Agriculture
Listrik, gas, dan air - 352.418 5.177 4.262 361.857 Electricity, gas, and water
Lain-lain 25.772.096 8.162.263 563.482 23.812 34.521.653 Others
Bunga yang masih
akan diterima - 418.360 - - 418.360 Interest receivables
Aset lain-lain*) 9.659 - - - 9.659 Other assets*)

7RWDO 7RWDO


1HWR 1HW

*) Terdiri dari setoran jaminan *) Consists of guarantee deposits

Kualitas kredit didefinisikan sebagai The credit quality are defined as follows:
berikut:

Tingkat tinggi High grade

(a) Giro pada Bank Indonesia, giro pada (a) Current accounts with Bank Indonesia,
bank lain, penempatan pada Bank current accounts with other banks,
Indonesia dan bank lain yaitu giro placements with Bank Indonesia and
atau penempatan pada institusi other banks which are current accounts
Pemerintah, transaksi dengan or placements with the Government,
bank yang memiliki reputasi baik transaction with reputable banks with
dengan tingkat kemungkinan gagal low probability of insolvency.
bayar atas kewajiban yang rendah.
165

37%$1.3(0%$1*81$1'$(5$+ 37%$1.3(0%$1*81$1'$(5$+
-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
784 '$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6
&$7$7$1$7$6/$325$1.(8$1*$1 127(6727+(&2162/,'$7('),1$1&,$/
.2162/,'$6,$1 67$7(0(176

(iv) Tabel di bawah menunjukkan kualitas aset (iv) The tables below shows the quality of financial
kredit (nilai yang disajikan adalah bruto) impairment losses) (continued)
(lanjutan)

(b) Kredit yang diberikan dan (b) Loans and sharia financing/receivables,
piutang/pembiayaan syariah, bunga yang interests receivables, and third party
masih akan diterima, dan tagihan kepada receivables are borrowers with very
pihak ketiga yaitu debitur dengan riwayat satisfactory track record of loan
pembayaran yang sangat baik dan tidak repayment and whose accounts did not
pernah menunggak sepanjang jangka turn past due during the term of the
waktu kredit; debitur dengan tingkat loan; borrowers with high degree of
stabilitas dan keragaman yang tinggi; stability and diversity; has access to
memiliki akses setiap saat untuk raise substantial amounts of funds
memperoleh pendanaan dalam jumlah through public market at any time; very
besar dari pasar terbuka; memiliki strong debt service capacity and has
kemampuan membayar yang kuat dan conservative balance sheet ratios.
rasio-rasio neraca yang konservatif.
(c) Surat berharga dan efek-efek yang dibeli (c) Marketable securities and marketable
dengan janji dijual kembali yang termasuk securities purhased under agreement to
dalam investment grade dengan rating resell which included in investment
minimal BBB- (Pefindo) atau Baa3 grade securities with a rating of at least
(Moody’s). BBB- (Pefindo) or Baa3 (Moody’s).
Tingkat standar Standard grade
(a) Giro pada Bank Indonesia, giro pada bank (a) Current accounts with Bank Indonesia,
lain, penempatan pada Bank Indonesia current accounts with other banks,
dan bank lain yaitu giro atau penempatan placements with Bank Indonesia and
pada bank lokal yang tidak terdaftar di other banks are current accounts or
bursa. placements with the local banks not
listed in the stock exchange.
(b) Kredit yang diberikan dan piutang/ (b) Loans and sharia financing/receivables,
pembiayaan syariah, bunga yang masih interest receivables and third party
akan diterima, dan tagihan kepada pihak receivables are borrowers who have an
ketiga yaitu debitur dengan riwayat average track record of loan repayment
pembayaran yang baik dan tidak pernah and whose account did not turn past
menunggak 90 hari atau lebih; akses due for 90 days and over; smaller
terbatas ke pasar modal atau ke pasar corporations with limited access to
keuangan lainnya; tingkat pendapatan dan public capital markets or to alternative
kinerja keseluruhan tidak stabil; memiliki financial market; volatility of earnings
kemampuan membayar yang cukup. and overall performance; debt service
capacity is adequate.

(c) Surat berharga dan efek-efek yang dibeli (c) Marketable securities and marketable
dengan janji dijual kembali yang termasuk securities pucrchased under agreement
dalam investment grade dengan rating to resell which included in investment
antara idBB+ sampai dengan idB grade securities with a rating between
(Pefindo) atau Ba1 sampai dengan B2 idBB+ to idB (Pefindo) or Ba1 to B2
(Moody’s). (Moody’s).

166

37%$1.3(0%$1*81$1'$(5$+ 37%$1.3(0%$1*81$1'$(5$+
-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
'$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6 785
&$7$7$1$7$6/$325$1.(8$1*$1 127(6727+(&2162/,'$7('),1$1&,$/
.2162/,'$6,$1 67$7(0(176


(v) Analisis umur pinjaman yang jatuh tempo (v) The aging analysis of past due but not
tetapi tidak mengalami penurunan nilai pada impaired loans as of December 31, 2014 and
tanggal 31 Desember 2014 dan 2013, sebagai 2013, are as follows:
berikut:

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Perdagangan 504.743 66.304 91.208 621.449 1.283.704 Trading

Jasa-jasa dunia usaha 110.718 5.456 8.625 43.052 167.851 Business Services
Konstruksi 49.269 5.190 6.369 46.038 106.866 Construction
Pengangkutan dan gudang 21.301 85.217 346 30.984 137.848 Transportation and warehousing
Industri 66.225 8.462 13.662 110.218 198.567 Industry
Jasa-jasa sosial 16.880 4.670 2.464 19.913 43.927 Social services
Pertanian 218.037 6.269 8.916 91.432 324.654 Agriculture
Listrik, gas dan air 89 220 - 230 539 Electricity, gas and water
Pertambangan 866 - - 4.836 5.702 Mining
Lain-lain 626.378 26.798 41.288 128.294 822.758 Others
7RWDO 7RWDO

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/HELKGDUL /HELKGDUL
KDUL VDPSDL KDUL
VDPSDL KDUL KDUL 0RUHWKDQ
KDUL PRUHWKDQ PRUHWKDQ 0RUHWKDQ
WRGD\V WRGD\V WRGD\V GD\V 7RWDO
Perdagangan 680.643 72.852 123.392 255.310 1.132.197 Trading

Jasa-jasa dunia usaha 98.952 6.393 6.393 89.246 200.984 Business Services
Konstruksi 101.135 2.794 2.917 31.712 138.558 Construction
Pengangkutan dan gudang 141.401 9.726 500 2.173 153.800 Transportation and warehousing
Industri 123.366 9.650 15.347 96.644 245.007 Industry
Jasa-jasa sosial 26.824 1.463 1.331 7.119 36.737 Social services
Pertanian 81.443 9.139 12.527 50.364 153.473 Agriculture
Listrik. gas dan air 5.040 137 - - 5.177 Electricity. gas and water
Pertambangan 3.960 117 20 2.629 6.726 Mining
Lain-lain 423.258 23.521 15.031 101.672 563.482 Others
7RWDO 7RWDO

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&RQVXPHU &DSLWDO ,QYHVWPHQW 6\QGLFDWHG (PSOR\HHV 3URJUDPV

Saldo awal tahun 120.531 803.456 72.306 15.206 324 7.697 Balance at beginning of year
Penyisihan (pembalikan) Provision (reversal)
selama tahun berjalan 84.234 467.322 51.196 (4.328) 78 13.843 during the year
Penghapusbukuan kredit (134) (33.699) (9.195) - - - Loans written-off

6DOGRDNKLUWDKXQ %DODQFHDWHQGRI\HDU
Penurunan nilai
individual 57.081 403.243 50.980 10.878 - 2.817 Individual impairment
Penurunan nilai kolektif 147.550 833.836 63.327 - 402 18.723 Collective impairment

Jumlah kotor kredit yang

secara individual
ditentukan sebagai
mengalami
penurunan nilai Gross amount of loans
sebelum dikurangi individually determined to
kerugian penurunan be impaired. before deducting
nilai atas penilaian any individually assessed
secara individual 80.471 662.223 109.873 94.785 - 2.817 impairment losses
167

37%$1.3(0%$1*81$1'$(5$+ 37%$1.3(0%$1*81$1'$(5$+
-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
786 '$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6
&$7$7$1$7$6/$325$1.(8$1*$1 127(6727+(&2162/,'$7('),1$1&,$/
.2162/,'$6,$1 67$7(0(176

(vi) Mutasi cadangan berdasarkan jenis kredit yang (vi) Movements in allowance for impairment losses
diberikan pada tanggal 31 Desember 2014 dan by type of loans as of December 31, 2014 are
2013 adalah sebagai berikut: as follows:
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.RQVXPVL :RUNLQJ ,QYHVWDVL 6LQGLNDVL .DU\DZDQ *RYHUQPHQW
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Saldo awal tahun 66.235 422.966 69.018 43.484 366 3.598 Balance at beginning of year
Penyisihan (pembalikan) Provision (reversal)
selama tahun berjalan 54.296 510.688 3.288 (28.277) (42) 4.098 during the year
Penghapusbukuan kredit - (130.198) - - - - Loans written-off
6DOGRDNKLUWDKXQ %DODQFHDWHQGRI\HDU
Penurunan nilai
individual 15.941 264.385 36.006 14.470 - 1.493 Individual impairment
Penurunan nilai kolektif 104.590 539.071 36.300 737 324 6.203 Collective impairment
Jumlah kotor kredit yang

secara individual
ditentukan sebagai
mengalami
penurunan nilai Gross amount of loans
sebelum dikurangi individually determined to
kerugian penurunan be impaired. before deducting
nilai atas penilaian any individually assessed
secara individual 23.812 279.879 85.596 90.722 - 1.493 impairment losses
5,6,.21,/$,78.$5 )25(,*1(;&+$1*(5,6.
Risiko nilai tukar timbul sebagai akibat adanya Foreign exchange risk arises from Net Open
Posisi Devisa Neto (PDN) laporan posisi keuangan Positions (NOP) in the consolidated statements of
konsolidasian dan rekening administratif baik pada financial position and administrative account, both
sisi aset maupun liabilitas yang berasal dari for assets and liabilities, which are derived from
transaksi produk-produk mata uang asing dengan foreign currency products transactions with
debitor individual dan perusahaan dan dari individual and corporate customers and from
perdagangan mata uang asing di pasar uang antar foreign currency trading on the money markets.
bank. Kegiatan perdagangan mata uang asing Foreign currency trading activities include spot,
meliputi transaksi nilai tukar valuta asing spot, forward and swap foreign currency contracts and
kontrak berjangka valuta asing (forward) dan swap derivatives.
dan derivatif.
168

37%$1.3(0%$1*81$1'$(5$+ 37%$1.3(0%$1*81$1'$(5$+
-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
'$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6 787
&$7$7$1$7$6/$325$1.(8$1*$1 127(6727+(&2162/,'$7('),1$1&,$/
.2162/,'$6,$1 67$7(0(176

5,6,.21,/$,78.$5ODQMXWDQ )25(,*1(;&+$1*(5,6.FRQWLQXHG
Penerapan Manajemen risiko nilai tukar yang Implementation of Forex Risk Management in
dijalankan oleh Bank adalah dengan melakukan Bank through a measurement, monitoring, and
pengukuran, pemantauan, dan pengendalian risiko controlling of foreign exchange risk periodically
nilai tukar secara berkala baik secara bankwide both partial and comprehensive.
maupun parsial. Secara bankwide, bank comprehensively,bank measure foreign exchange
melakukan pengukuran risiko nilai tukar melalui risk through value at risk simulation with several
simulasi value at risk (var) dengan berbagai methods (Exponential Weighted Moving Average &
metode (Exponential Weighted Moving Average & Historical) and adjusted to characteristic of
Historical) yang disesuaikan dengan karakteristik transactions.
transaksi bank.
Pemantauan risiko nilai tukar dilakukan melalui Bank monitor Foreign exchange risk through
pemantauan Posisi Devisa Netto (PDN) per 30 monitoring of Net Open Position (NOP) every 30
menit dan intraday, dan sebagai bentuk minutes and intraday and for a foreign exchange
pengendalian risiko nilai tukar, bank membuat limit risk control, bank establish internal limit of NOP
internal PDN baik untuk neraca maupun secara both on balance sheet and overall as risk tolerance
keseluruhan sebagai bentuk risk tolerance bank to foreign exchange risk. Meanwhile,
dalam menghadapi risiko nilai tukar. Sedangkan, Implementation of Forex Risk Management
penerapan manajemen risiko nilai tukar bank partially on Treasury activities is through
secara parsial pada aktivitas Treasuri adalah measurement & control of budget loss limit & open
melalui pengukuran & pengendalian budget loss position for every transaction and for monitoring,
limit & open position untuk setiap transaksi nilai bank create Treasury transactions Report
tukar dan sebagai bentuk pemantauan risiko nilai periodically to ensure that exposure arise from
tukar bank melakukan pelaporan transaksi Treasuri foreign exchange risk is inline within the internal
sesuai dengan ketentuan secara periodik untuk bank dan Bank Indonesia Regulations.
memastikan bahwa exposure yang timbul oleh
pergerakan nilai tukar berada pada batas yang
telah ditentukan oleh ketentuan internal Bank dan
sesuai dengan ketentuan regulasi Bank Indonesia.
Sesuai Peraturan Bank Indonesia Based on Bank Indonesia Regulation

No. 6/20/PBI/2004 tanggal 15 Juli 2004 No. 6/20/PBI/2004 dated July 15, 2004 which was
sebagaimana telah diubah terakhir dengan amended the latest by Bank Indonesia Regulation
Peraturan Bank Indonesia No. 12/10/PBI/2010 No. 12/10/PBI/2010 dated July 1, 2010, the Bank
tanggal 1 Juli 2010, Bank diwajibkan memelihara is required to maintain its NOP at a maximum of
PDN setinggi-tingginya 20% atas Modal Tier I dan 20% of Capital Tier I and II every 30 minutes and
Tier II setiap 30 menit dan akhir hari. PDN secara end of day. The overall NOP is the sum of the
keseluruhan adalah angka yang merupakan absolute value of the difference between each
penjumlahan dari nilai absolut untuk jumlah dari foreign currency asset and liability on the
selisih bersih aset dan liabilitas dalam laporan statement of financial position and the difference
posisi keuangan untuk setiap valuta asing between commitments and contingent assets and
ditambah dengan selisih bersih aset dan liabilitas liabilities in administrative accounts for each
baik yang merupakan komitmen maupun foreign currency.
kontinjensi dalam rekening administratif untuk
setiap valuta asing.
169

37%$1.3(0%$1*81$1'$(5$+ 37%$1.3(0%$1*81$1'$(5$+
-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
788 '$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6
&$7$7$1$7$6/$325$1.(8$1*$1 127(6727+(&2162/,'$7('),1$1&,$/
.2162/,'$6,$1 67$7(0(176

Berikut adalah PDN pada tanggal-tanggal Below is the NOP as of December 31, 2014 and
31 Desember 2014 dan 2013 per mata uang 2013 by currency (in equivalent rupiah) based on
(dalam ekuivalen rupiah) sesuai dengan peraturan Bank Indonesia regulations:
Bank Indonesia:

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.(6(/858+$1/$325$1326,6, $**5(*$7(67$7(0(172)

.(8$1*$1'$15(.(1,1* ),1$1&,$/326,7,21$1'
$'0,1,675$7,) $'0,1,675$7,9($&&28176

Dolar Amerika Serikat 384.213 289.495 94.718 United States Dollar
Euro Eropa 9.792 746 9.046 European Euro
Dolar Singapura 7.810 4.005 3.805 Singapore Dollar
Dolar Australia 2.665 153 2.512 Australian Dollar
Riyal Saudi Arabia 116 - 116 Saudi Arabian Riyal
Yen Jepang 109 - 109 Japanese Yen
Poundsterling Inggris 585 - 585 Great Britain Poundsterling
Dolar Hong Kong 933 - 933 Hong Kong Dollar
Yuan Cina 2.944 2.909 35 Chinese Yuan
7RWDO 7RWDO

/$325$1326,6,.(8$1*$1 67$7(0(172)),1$1&,$/
326,7,21
Dolar Amerika Serikat 384.213 289.495 94.718 United States Dollar
Euro Eropa 9.792 746 9.046 European Euro
Poundsterling Inggris 585 - 585 Great Britain Poundsterling
7RWDO 7RWDO
Total capital - December 2014

Total modal - Desember 2014 (Catatan 52) 5.759.136 (Note 52)
Rasio PDN (Keseluruhan) 1,94% NOP ratio (Aggregate)

NOP ratio (Statement of
Rasio PDN (Laporan posisi keuangan) 1,94% financial position)

Rasio PDN per 31 Desember 2014 jika NOP Ratios as of December 31, 2014, based on
menggunakan modal bulan November 2014 (tidak the total capital in November 2014 (unaudited) are
diaudit) adalah sebagai berikut: as follows:
Total modal - November 2014 5.815.310 Total capital - November 2014

Rasio PDN (Keseluruhan) 1,92% NOP Ratio (Aggregate)
NOP Ratio (Statement of

170

37%$1.3(0%$1*81$1'$(5$+ 37%$1.3(0%$1*81$1'$(5$+
-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
'$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6 789
&$7$7$1$7$6/$325$1.(8$1*$1 127(6727+(&2162/,'$7('),1$1&,$/
.2162/,'$6,$1 67$7(0(176


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.(6(/858+$1/$325$1326,6, $**5(*$7(67$7(0(172)

.(8$1*$1'$15(.(1,1* ),1$1&,$/326,7,21$1'
$'0,1,675$7,) $'0,1,675$7,9($&&28176

Dolar Amerika Serikat 1.264.137 1.296.950 32.813 United States Dollar
Euro Eropa 26.123 1.202 24.921 European Euro
Poundsterling Inggris 1.527 165 1.362 Great Britain Poundsterling
7RWDO 7RWDO

/$325$1326,6,.(8$1*$1 67$7(0(172)),1$1&,$/
326,7,21
Dolar Amerika Serikat 1.081.587 1.296.950 (215.363) United States Dollar
Euro Eropa 26.123 1.202 24.921 European Euro
Poundsterling Inggris 1.527 165 1.362 Great Britain Poundsterling
7RWDO 7RWDO
Total capital - December 2013

Total modal - Desember 2013 (Catatan 52) 5.340.417 (Note 52)
Rasio PDN (Keseluruhan) 1,20% NOP ratio (Aggregate)

NOP ratio (Statement of

Rasio PDN per 31 Desember 2013 jika NOP Ratios as of December 31, 2013, based on
menggunakan modal bulan November 2013 (tidak the total capital in November 2013 (unaudited) are
diaudit) adalah sebagai berikut: as follows:
Total modal - November 2013 5.276.643 Total capital - November 2013
Rasio PDN (Keseluruhan) 1,21% NOP Ratio (Aggregate)
NOP Ratio (Statement of
Risiko mata uang adalah kemungkinan kerugian Foreign currency risk is the probability of loss to
pendapatan yang timbul dari perubahan kurs valuta earnings arising from changes in foreign exchange
asing. Bank mengelola paparan terhadap pengaruh rates. The Bank manages exposure to effects of
fluktuasi nilai tukar mata uang asing dengan fluctuations in foreign currency exchange rates by
mempertahankan risiko mata uang asing dalam maintaining foreign currency exposure within the
pedoman peraturan yang ada (yakni menjaga existing regulatory guidelines (i.e maintaining the
Posisi Devisa Neto sesuai dengan peraturan Bank Net Open Position based on Bank Indonesia
Indonesia) (tidak diaudit). regulations) (unaudited).
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Dolar Amerika Serikat 0,30% 10.161 United States Dollar
0,35% (14)
171

37%$1.3(0%$1*81$1'$(5$+ 37%$1.3(0%$1*81$1'$(5$+
-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
790 '$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6
&$7$7$1$7$6/$325$1.(8$1*$1 127(6727+(&2162/,'$7('),1$1&,$/
.2162/,'$6,$1 67$7(0(176

Sensitivitas atas laporan laba rugi konsolidasian The sensitivity of the consolidated statements of
merupakan dampak yang diestimasi atas income is the estimated effect of the assumed
perubahan yang diasumsikan atas perubahan nilai change in foreign exchange rates on income,
tukar berdasarkan aset dan liabilitas keuangan based on foreign currency denominated assets and
yang dalam mata uang asing. liabilities.
Pada tanggal 31 Desember 2014 dan 2013, As of December 31, 2014 and 2013, the effect of
dampak atas perubahan nilai tukar dari mata uang fluctuations in exchange rates of other currencies,
lainnya seperti Poundsterling Inggris, Euro Eropa, such as Great Britain Poundsterling, European
Yen Jepang, Dolar Singapura, Dolar Australia dan Euro, Japanese Yen, Singapore Dollar, Australian
Dolar Hong Kong tidak material. Dollar and Hong Kong Dollar, not material.
5,6,.2/,.8,',7$6 /,48,',7<5,6.
Risiko terjadinya kerugian yang merupakan akibat The risk of loss resulting from the gap between
dari adanya kesenjangan antara sumber short-term funding and long-term assets. The size
pendanaan yang pada umumnya berjangka pendek of the liquidity risk is determined, i.e:
dan aktiva yang pada umumnya berjangka
panjang. Besar kecilnya risiko likuiditas ditentukan
antara lain:
a. Kecermatan dalam perencanaan arus kas atau a. Accuracy in cash flow or flow of fund planning
arus dana berdasarkan prediksi pembiayaan based on financing and fund growth prediction,
dan prediksi pertumbuhan dana, termasuk include observe the fund rate volatility;
mencermati tingkat fluktuasi dana;
b. Ketepatan dalam mengatur struktur dana b. The precision in managing the fund structure,
termasuk kecukupan dana; including the adequacy of funding;
c. Ketersediaan aset yang siap dikonversikan c. The availability of asset that is ready to be
menjadi kas; converted into cash;
d. Kemampuan menciptakan akses ke pasar d. Ability to create access to the interbank market
antar bank atau sumber dana lainnya, or other funding sources, including the lender
termasuk fasilitas lender of last resort. of last resort facilities.
172

37%$1.3(0%$1*81$1'$(5$+ 37%$1.3(0%$1*81$1'$(5$+
-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
'$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6 791
&$7$7$1$7$6/$325$1.(8$1*$1 127(6727+(&2162/,'$7('),1$1&,$/
.2162/,'$6,$1 67$7(0(176

5,6,.2/,.8,',7$6ODQMXWDQ /,48,',7<5,6.FRQWLQXHG
Apabila kesenjangan tersebut cukup besar maka If the gap is large enough it will reduce the Bank’s
akan menurunkan kemampuan Bank dan entitas and subsidiaries’ ability to meet its liabilities at
anak untuk memenuhi kewajibannya pada saat maturity. Therefore, liquidity management is
jatuh tempo. Oleh karena itu untuk mengantisipasi needed to anticipate liquidity risk, which is a part of
terjadinya risiko likuiditas, maka diperlukan the management liability.
manajemen likuiditas, yang merupakan bagian dari
pengelolaan liabilitas.
Kebijakan likuiditas Bank dan entitas anak The Bank’s and subsidiaries’ liquidity policies are
ditujukan untuk memastikan bahwa kebutuhan aimed to ensuring that fund requirements can be
dana dapat dipenuhi, baik untuk membayar fulfilled, either to pay time deposits at maturity or to
deposito pada saat jatuh tempo atau untuk fulfill unused loan facility.
memenuhi fasilitas kredit yang belum digunakan.
Pengelolaan dan pemantauan posisi likuiditas Bank Managing and monitoring the Bank’s and
berada dalam tanggung jawab Bagian Manajemen subsidiaries’ liquidity position is the responsibility
ALM & Likuiditas di Divisi Treasury sedangkan of the Liquidity section of the Treasury Division
pengukuran serta analisa terhadap kondisi while measuring and analysing on liquidity
likuiditas menjadi tugas Divisi Manajemen Risiko condition is the responsibility of the Risk
diantaranya stress test likuiditas berdasarkan tiga Management Division include liquidity stress test
skenario dan pembuatan profil risiko yang terkait based on three scenarios and preparing risk profile
risiko likuiditas. related to liquidity risk.
Pengelolaan kelebihan dana likuiditas yang tidak Managing the excess of liquidity fund, which are
terserap penyaluran kredit, teroptimalisasi melalui not absorbed by loans, disbursement will be
pengelolaan treasury. Sebagian besar kelebihan optimized through managing treasury. Most of the
dana likuiditas tersalurkan melalui instrumen- excess of liquidity will be placed in short-term and
instrumen yang berjangka pendek dan aman. secured instruments. In general, the Bank’s
Umumnya, kondisi likuiditas bank terjaga baik liquidity condition is well maintained where the
dimana penarikan dana nasabah dapat terpenuhi customers withdrawal can be fulfilled while the
sekaligus kelebihan dana teroptimalkan dengan excess fund can be optimized with optimum return.
imbal hasil yang optimal.
Sumber dana dan waktu jatuh tempo deposito Sources of funds and maturity dates of time
dikelola untuk menghindari adanya dana yang idle deposits are managed to avoid idle funds and
dan menentukan jumlah serta instrumen aset likuid determine the appropriate liquidity level and liquid
yang tepat untuk menjamin tingkat likuiditas yang asset instrument to ensure a sustainable liquidity
terkendali secara terus menerus. level.
Tabel berikut ini menggambarkan analisis jatuh The following tables illustrate the maturity profile
tempo aset dan liabilitas keuangan Bank dan analysis of the Bank’s and subsidiaries’ financial
entitas anak dihitung berdasarkan sisa periode assets and liabilities according to their remaining
jatuh tempo kontrak pada tanggal laporan posisi maturity period at the consolidated statement of
keuangan: financial position date:
173

37%$1.3(0%$1*81$1'$(5$+ 37%$1.3(0%$1*81$1'$(5$+
-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
792 '$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6
&$7$7$1$7$6/$325$1.(8$1*$1 127(6727+(&2162/,'$7('),1$1&,$/
.2162/,'$6,$1 67$7(0(176

'HVHPEHU'HFHPEHU
7LGDN
PHPSXQ\DL
WDQJJDOMDWXK 6DPSDL /HELKGDUL /HELKGDUL /HELKGDUL /HELKGDUL
WHPSR GHQJDQ VDPSDL VDPSDL VDPSDL VDPSDL /HELKGDUL
1LODLWHUFDWDW NRQWUDNWXDO EXODQ EXODQ EXODQ WDKXQ WDKXQ WDKXQ
&DUU\LQJ 1RFRQWUDFWXDO 8SWR 0RUHWKDQWR 0RUHWKDQWR 0RUHWKDQ 0RUHWKDQ 0RUHWKDQ
YDOXH PDWXULW\ PRQWK PRQWKV PRQWKV WR\HDUV WR\HDUV \HDUV
$6(7 $66(76
Kas 2.767.678 2.767.678 - - - - - - Cash
Bank Indonesia 5.177.942 - 5.177.942 - - - - - Bank Indonesia
Giro pada bank Current accounts with
lain - bruto 128.604 - 128.604 - - - - - other banks - gross
Indonesia dan Indonesia and
bank lain - bruto 4.764.263 - 4.764.263 - - - - - other bank - gross
Marketable securities -
Surat berharga - bruto 7.125.371 454.823 279.564 210.368 4.824.955 697.183 403.556 254.922 gross
Efek-efek yang dibeli dengan Bills and
janji dijual kembali 568.461 - 568.461 - - - - - marketable
tagihan lainnya 19.555 - 9.878 9.677 - - - - other receivables
Kredit yang diberikan - bruto 49.616.998 - 992.410 923.814 2.087.282 2.951.287 10.617.444 32.044.761 Loans - gross
Pembiayaan syariah - bruto 4.400.116 - - - 377.898 1.117.563 - 2.904.655 Sharia financing - gross
Acceptance receivables -
Tagihan akseptasi - bruto 18.435 - 12.667 5.768 - - - - gross
Investments in shares -
Penyertaan saham - bruto 31.984 31.984 - - - - - - gross
Bunga yang masih
akan diterima 452.642 - 452.642 - - - - - Interest receivables
Aset lain-lain - neto*) 9.540 9.540 - - - - - - Other assets - net*)
Total 75.081.589 3.264.025 12.386.431 1.149.627 7.290.135 4.766.033 11.021.000 35.204.338 Total
/,$%,/,7$6 /,$%,/,7,(6
Liabilitas segera 1.812.382 - 1.812.382 - - - - - Obligations due immediately
Simpanan nasabah 53.118.800 - 44.294.405 4.068.673 4.690.063 65.659 - - Deposits from customers
Deposits from customers-
Simpanan nasabah syariah 369.090 - 369.090 - - - - - sharia
Simpanan dari bank lain 3.308.630 - 3.281.021 5.260 22.048 301 - - Deposits from other banks
Marketable securities
Efek-efek yang dijual dengan sold under agreement
janji dibeli kembali (repo) 2.062.916 - 2.062.916 - - - - - to repurchase
Liabilitas akseptasi 18.435 - 12.667 5.768 - - - - Acceptances payable
Efek hutang yang Debt securities
diterbitkan - neto 1.721.901 - - - - 600.511 1.121.390 - issued - net
Pinjaman yang diterima 456.490 - 453 13.665 3.288 26.237 412.847 - Borrowings
Bunga yang masih
harus dibayar 121.606 121.606 - - - - - - Interest payables
Liabilitas lain-lain 766.221 766.221 - - - - - - Other liabilities
63.756.471 887.827 51.832.934 4.093.366 4.715.399 692.708 1.534.237 -
3HUEHGDDQMDWXKWHPSR 11.325.118 2.376.198 (39.446.503) (2.943.739) 2.574.736 4.073.325 9.486.763 35.204.338 0DWXULW\JDS
174

37%$1.3(0%$1*81$1'$(5$+ 37%$1.3(0%$1*81$1'$(5$+
-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
'$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6 793
&$7$7$1$7$6/$325$1.(8$1*$1 127(6727+(&2162/,'$7('),1$1&,$/
.2162/,'$6,$1 67$7(0(176

'HVHPEHU'HFHPEHU
7LGDN
PHPSXQ\DL
WDQJJDOMDWXK 6DPSDL /HELKGDUL /HELKGDUL /HELKGDUL /HELKGDUL
WHPSR GHQJDQ VDPSDL VDPSDL VDPSDL VDPSDL /HELKGDUL
1LODLWHUFDWDW NRQWUDNWXDO EXODQ EXODQ EXODQ WDKXQ WDKXQ WDKXQ
&DUU\LQJ 1RFRQWUDFWXDO 8SWR 0RUHWKDQWR 0RUHWKDQWR 0RUHWKDQ 0RUHWKDQ 0RUHWKDQ
YDOXH PDWXULW\ PRQWK PRQWKV PRQWKV WR\HDUV WR\HDUV \HDUV
$6(7 $66(76
Kas 2.595.260 2.595.260 - - - - - - Cash
Bank Indonesia 4.454.108 - 4.454.108 - - - - - Bank Indonesia
Giro pada bank Current accounts with
lain - bruto 176.979 - 176.979 - - - - - other banks - gross
Indonesia dan Indonesia and
bank lain - bruto 2.629.337 - 2.568.165 42.120 19.052 - - - other bank - gross
Marketable securities -
Surat berharga - bruto 10.291.810 416.992 1.382.640 1.094.492 5.951.181 802.965 366.148 277.392 gross
tagihan lainnya 44.721 - 1.679 2.476 40.566 - - - other receivables
Kredit yang diberikan - bruto 45.308.580 - 1.002.107 710.460 2.327.368 2.885.937 10.941.953 27.440.755 Loans - gross
Pembiayaan syariah - bruto 3.593.760 - 225.729 264.809 312.252 354.323 1.261.292 1.175.355 Sharia financing - gross
Acceptance receivables -
Tagihan akseptasi - bruto 33.235 - 21.787 9.448 2.000 - - - gross
Investments in shares -
Penyertaan saham - bruto 31.984 31.984 - - - - - - gross
Bunga yang masih
akan diterima 418.360 - 418.360 - - - - - Interest receivables
Aset lain-lain - neto*) 9.659 9.659 - - - - - - Other assets - net*)
Total 69.587.793 3.053.895 10.251.554 2.123.805 8.652.419 4.043.225 12.569.393 28.893.502 Total
/,$%,/,7$6 /,$%,/,7,(6
Liabilitas segera 1.945.539 - 1.945.539 - - - - - Obligations due immediately
Simpanan nasabah 46.874.161 - 40.243.651 5.617.468 985.562 27.480 - - Deposits from customers
Deposits from customers-
Simpanan nasabah syariah 346.540 - 346.540 - - - - - sharia
Simpanan dari bank lain 4.946.725 - 4.914.200 18.225 11.225 3.075 - - Deposits from other banks
Marketable securities
Efek-efek yang dijual dengan sold under agreement
janji dibeli kembali (repo) 2.978.073 - 2.978.073 - - - - - to repurchase
Liabilitas akseptasi 33.235 - 21.787 11.448 - - - - Acceptances payable
Liabilitas derivatif 90 - 90 - - - - - Derivative payables
diterbitkan - neto 2.396.611 - - 275.456 401.647 - 1.719.508 - issued - net
Pinjaman yang diterima 324.337 - - 297 - - 324.040 - Borrowings
Bunga yang masih
harus dibayar 124.776 124.776 - - - - - - Interest payables
Liabilitas lain-lain 799.593 799.593 - - - - - - Other liabilities
60.769.680 924.369 50.449.880 5.922.894 1.398.434 30.555 2.043.548 -
3HUEHGDDQMDWXKWHPSR 8.818.113 2.129.526 (40.198.326) (3.799.089) 7.253.985 4.012.670 10.525.845 28.893.502 0DWXULW\JDS
175

37%$1.3(0%$1*81$1'$(5$+ 37%$1.3(0%$1*81$1'$(5$+
-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
794 '$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6
&$7$7$1$7$6/$325$1.(8$1*$1 127(6727+(&2162/,'$7('),1$1&,$/
.2162/,'$6,$1 67$7(0(176

Tabel di bawah ini merangkum profil jatuh tempo The table below summarizes the maturity profile of
liabilitas keuangan Bank pada tanggal-tanggal the Bank financial liabilities as of December 31,
31 Desember 2014 dan 2013 berdasarkan pada 2014 and 2013 based on undiscounted contractual
pembayaran kontraktual yang tidak didiskonto payments (unaudited):
(tidak diaudit):
'HVHPEHU'HFHPEHU
/HELKGDUL /HELKGDUL
%XODQ %XODQ
VDPSDL VDPSDL
%XODQ %XODQ /HELKGDUL
3DGD 0RUHWKDQ 0RUHWKDQ %XODQ
SHUPLQWDDQ %XODQ 0RQWKWR 0RQWKVWR 0RUHWKDQ
7RWDO 2QGHPDQG 0RQWK 0RQWKV 0RQWKV 0RQWKV
Liabilitas segera 1.812.382 1.812.382 - - - - Liabilities due immediately
Simpanan dari nasabah 53.487.890 34.360.828 10.302.667 4.068.673 4.690.063 65.659 Deposits from customers
Simpanan dari bank lain 3.308.630 3.235.780 45.241 5.260 22.048 301 Deposits from other banks
dengan janji dibeli sold under agreements
kembali 2.087.021 - 1.859.071 227.950 - - to repurchase
Liabilitas akseptasi 18.435 - 12.667 5.768 - - Acceptances payable
diterbitkan - neto 2.178.103 - - - - 2.178.103 issued - net
Pinjaman yang diterima 456.490 - 453 13.665 3.288 439.084 Borrowings
Bunga yang masih
harus dibayar dan 121.606 121.606 - - - - Interest payables
Liabilitas lain-lain 766.221 766.221 - - - - Other liabilities
'HVHPEHU'HFHPEHU
/HELKGDUL /HELKGDUL
%XODQ %XODQ
VDPSDL VDPSDL
%XODQ %XODQ /HELKGDUL
3DGD 0RUHWKDQ 0RUHWKDQ %XODQ
SHUPLQWDDQ %XODQ 0RQWKWR 0RQWKVWR 0RUHWKDQ
7RWDO 2QGHPDQG 0RQWK 0RQWKV 0RQWKV 0RQWKV
Liabilitas segera 1.945.539 1.945.539 - - - - Liabilities due immediately
Simpanan dari nasabah 47.401.360 28.573.381 12.064.703 5.657.954 1.062.503 42.819 Deposits from customers
Simpanan dari bank lain 5.202.937 188.713 4.730.843 57.001 122.568 103.812 Deposits from other banks
dengan janji dibeli sold under agreements
kembali 2.984.422 - 2.984.422 - - - to repurchase
Liabilitas akseptasi 33.235 - 33.235 - - - Acceptances payable
Liabilitas Derivatif 90 90 - - - - Acceptances payable
diterbitkan - neto 4.022.911 - - 275.682 385.001 3.362.228 issued - net
Pinjaman yang diterima 430.992 - - 298 430.694 Borrowings
Bunga yang masih
harus dibayar dan 124.776 124.776 - - - - Interest payables
Liabilitas lain-lain 799.593 799.593 - - - - Other liabilities
7RWDOOLDELOLWDVNHXDQJDQ
Bank dan entitas anak telah membangun model The Bank and subsidiaries have developed a
pengukuran risiko likuiditas untuk mengukur risiko liquidity risk measurement model to measure the
likuiditas dari portofolio aset dan liabilitas Bank liquidity risk of the Bank’s assets and liabilities
berdasarkan skenario normal, spesifik dan krisis portfolio, based on normal case, specific case and
secara triwulan dengan proses stress test likuiditas. crisis case scenarios by liquidity stress testing
process.
176

37%$1.3(0%$1*81$1'$(5$+ 37%$1.3(0%$1*81$1'$(5$+
-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
'$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6 795
&$7$7$1$7$6/$325$1.(8$1*$1 127(6727+(&2162/,'$7('),1$1&,$/
.2162/,'$6,$1 67$7(0(176

5,6,.268.8%81*$ ,17(5(675$7(5,6.

Untuk mengelola maturity gap, Bank dan entitas To manage the maturity gap, the Bank and
anak mengambil langkah-langkah sebagai berikut: subsidiaries take the following steps:
a. Melakukan pemantauan terhadap adanya a. Performs regular monitoring of funds
pencairan dan penempatan dana setiap hari; withdrawal and placement on a daily basis;
b. Memberikan tingkat bunga yang lebih tinggi b. Gives higher interest rate to priority
kepada nasabah utama; customers;
c. Menjaga hubungan baik dengan para deposan c. Maintains good relationship with depositors to
agar tetap menanamkan dananya pada Bank. maintain their funds in the Bank.
Risiko suku bunga merupakan potensi kerugian Interest rate risk is the Bank’s and subsidiaries’
Bank dan entitas anak yang timbul akibat fluktuasi potential losses arising from market interest rates
suku bunga pasar yang berlawanan dengan posisi fluctuations as opposed to the position of the
portofolio Bank dan entitas anak. Bank’s and subsidiaries’ portfolios.
Bank dan entitas anak melakukan pengukuran The Bank and subsidiaries conduct measurement
risiko suku bunga meliputi penilaian risiko suku of interest rate risk that includes assessing
bunga yang melekat pada aset, kewajiban dan inherent interest rate risk in asset, liabilities and off
pada posisi off balance sheet; penggunaan konsep balance sheet positions; implementation of the
keuangan yang berlaku secara umum dan teknik- generally applicable financial concept and risk
teknik manajemen risiko; asumsi dan parameter management techniques; assumptions and
yang terdokumentasi dan dievaluasi secara parameters which are documented and evaluated
berkala; terintegrasi dengan proses manajemen regularly; intergrated with periodic risk
risiko secara rutin baik dari aspek pengambilan management process either from the aspect of
keputusan, struktur governance maupun proses decision making, governance structure or internal
alokasi modal internal. Dengan menggunakan capital allocation process. By using such
metodologi tersebut, Bank dan entitas anak dapat methodologies, the Bank can identify interest rate
mengidentifikasi risiko suku bunga dari portofolio risk of asset and liabilities portofolio that are
aset dan kewajiban yang sensitif terhadap sensitive to interest rate changes and determine
perubahan suku bunga serta menentukan besaran the risk scale for the Bank and subsidiaries.
risiko terhadap Bank dan entitas anak.
Tabel di bawah ini menyajikan informasi mengenai The following table presents information on the
tingkat suku bunga rata-rata per tahun untuk aset average annual interest rates for significant
dan liabilitas keuangan yang penting untuk tahun financial assets and liabilities for the year ended
yang berakhir pada tanggal-tanggal 31 Desember December 31, 2014 and 2013:
2014 dan 2013:

0DWDXDQJ 0DWDXDQJ
DVLQJ DVLQJ
5XSLDK )RUHLJQ 5XSLDK )RUHLJQ
5XSLDK FXUUHQFLHV 5XSLDK FXUUHQFLHV

$6(7 $66(76
Giro pada bank lain 1,11 0,00 1,56 0,00 Current accounts with other banks
Penempatan pada bank Indonesia
dan Bank Lain 6,47 0,23 7,43 0,00 Placements with other banks
Surat berharga 7,75 - 6,82 - Marketable securities
Efek-efek yang dibeli dengan janji purchased under
dijual kembali 6,20 - - - agreement to resale
Wesel ekspor dan tagihan lainnya 11,90 3,53 10,07 3,66 Bills and other receivables
Kredit yang diberikan 2,00-27,00 6,00-8,00 3,00-27,00 6,00-8,00 Loans
/,$%,/,7$6 /,$%,/,7,(6
Simpanan nasabah Deposits from customers
- Giro 0,19 0,12 0,24 0,27 Current accounts -
- Tabungan 0,44 0,21 0,59 0,32 Savings -
- Deposito berjangka 6,87 1,12 5,46 1,11 Time deposits -
Simpanan dari bank lain 2,39 0,00 1,50 0,40 Deposits from other banks
Efek-efek yang dijual dengan janji sold under
dibeli kembali (repo) 6,71 - 5,88 - agreement to repurchase
Pinjaman yang diterima 2,32 - 5,21 - Borrowings
Efek hutang yang diterbitkan 10,58 - 10,58 - Debt securities issued
177

37%$1.3(0%$1*81$1'$(5$+ 37%$1.3(0%$1*81$1'$(5$+
796
-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
'$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6
&$7$7$1$7$6/$325$1.(8$1*$1.2162/,'$6,$1 127(6727+(&2162/,'$7('),1$1&,$/67$7(0(176

5,6,.268.8%81*$ODQMXWDQ ,17(5(675$7(5,6.FRQWLQXHG
Tabel di bawah ini mengikhtisarkan eksposur Bank dan entitas anak terhadap risiko tingkat suku bunga (gross) (tidak The following tables summarize the Bank’s and subsidiaries’ exposures to the interest rate risk (gross)

diaudit):

(unaudited):

'HVHPEHU'HFHPEHU
/HELKGDUL /HELKGDUL /HELKGDUL /HELKGDUL /HELKGDUL

EXODQWDSL WDKXQWDSL WDKXQWDSL WDKXQWDSL WDKXQWDSL
WLGDNOHELK WLGDNOHELK WLGDNOHELK WLGDNOHELK WLGDNOHELK
GDULWDKXQ GDULWDKXQ GDULWDKXQ GDULWDKXQ GDULWDKXQ 7LGDN
7LGDNOHELK 0RUHWKDQ 0RUHWKDQ 0RUHWKDQ 0RUHWKDQ 0RUHWKDQ /HELKGDUL 6XNXEXQJD GLNHQDNDQ
GDULEXODQ PRQWKVEXW \HDUEXW \HDUVEXW \HDUVEXW \HDUVEXW WDKXQ WHWDS EXQJD
1RWPRUHWKDQ QRWPRUHWKDQ QRWPRUHWKDQ QRWPRUHWKDQ QRWPRUHWKDQ QRWPRUHWKDQ 0RUHWKDQ )L[HGLQWHUHVW 1RQLQWHUHVW 7RWDO
PRQWKV \HDU \HDUV \HDUV \HDUV \HDUV \HDUV UDWH EHDULQJ 7RWDO
Kas - - - - - - - - 2.767.678 2.767.678 Cash
Giro pada Bank Indonesia 5.177.942 - - - - - - - - 5.177.942 Current accounts with Bank Indonesia
Giro pada bank lain 128.604 - - - - - - - - 128.604 Current accounts with other banks
Penempatan pada Bank Placements with Bank Indonesia and
Indonesia dan bank lain - - - - - - - 4.764.263 - 4.764.263 other banks
Surat berharga - - - - - - - 7.125.371 - 7.125.371 Marketable securities
Efek-efek yang dibeli Marketable securities purchased
dengan janji dijual kembali 568.461 - - - - - - - - 568.461 with agreement to resell
Wesel ekspor dan tagihan lainnya 19.555 - - - - - - - - 19.555 Bills and other receivables
Tagihan akseptasi 18.435 - - - - - - - - 18.435 Acceptances receivable
Kredit yang diberikan 1.796 10.820 47.924 114.059 157.417 143.999 3.861.211 45.279.772 - 49.616.998 Loans
Pembiayaan syariah - - - - - - - 4.400.116 - 4.400.116 Sharia financing
Penyertaan saham - - - - - - - - 31.984 31.984 Investment in shares
Bunga yang masih akan diterima - - - - - - - - 452.642 452.642 Interest receivables
Aset lain-lain*) - - - - - - - - 9.540 9.540 Other assets*)
7RWDODVHWNHXDQJDQ 5.914.793 10.820 47.924 114.059 157.417 143.999 3.861.211 61.569.522 3.261.844 75.081.589 7RWDOILQDQFLDODVVHWV
Liabilitas segera - - - - - - - - 1.812.382 1.812.382 Obligations due immediately
- Giro 21.526.367 - - - - - - - - 21.526.367 Current accounts -

- Tabungan 12.487.921 - - - - - - - - 12.487.921 Savings-
- Deposito berjangka 16.388.612 2.662.756 32.244 - - - 20.900 - - 19.104.512 Time deposits -
Simpanan syariah 369.090 - - - - - - - - 369.090 Customer deposits - sharia
Simpanan dari bank lain Deposits from other banks
- Giro 32.800 - - - - - - - - 32.800 Current accounts -
- Tabungan 198.980 - - - - - - - - 198.980 Savings -
- Deposito berjangka 50.501 22.048 301 - - - - - - 72.850 Time deposits -
- Interbank call money 3.004.000 - - - - - - - - 3.004.000 Interbank call money -
Efek-efek yang dijual dengan janji Marketable securities sold under
dibeli kembali 2.062.916 - - - - - - - - 2.062.916 agreement to repurchase
178

37%$1.3(0%$1*81$1'$(5$+ 37%$1.3(0%$1*81$1'$(5$+
-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
'$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6
&$7$7$1$7$6/$325$1.(8$1*$1.2162/,'$6,$1 127(6727+(&2162/,'$7('),1$1&,$/67$7(0(176

Tabel di bawah ini mengikhtisarkan eksposur Bank dan entitas anak terhadap risiko tingkat suku bunga The following tables summarize the Bank’s and subsidiaries’ exposures to the interest rate risk
(gross) (tidak diaudit) (lanjutan): (gross) (unaudited) (continued):
'HVHPEHU'HFHPEHU

Liabilitas akseptasi 18.435 - - - - - - - - 18.435 Acceptance payables
Efek hutang yang diterbitkan - - - - - - - 1.721.901 - 1.721.901 Debt securities issued
Pinjaman yang diterima - 16.697 26.621 11.008 349.153 53.011 - - - 456.490 Borrowings
Bunga yang masih harus dibayar - - - - - - - - 121.606 121.606 Interest payable
Liabilitas lain-lain - - - - - - - - 766.221 766.221 Other liabilities
7RWDOOLDELOLWDVNHXDQJDQ 56.139.622 2.701.501 59.166 11.008 349.153 53.011 20.900 1.721.901 2.700.209 63.756.471 7RWDOILQDQFLDOOLDELOLWLHV
7RWDOJDSUHSULFLQJVXNXEXQJD (50.224.829) (2.690.681) (11.242) 103.051 (191.736) 90.988 3.840.311 59.847.621 561.635 11.325.118 7RWDOJDSUHSULFLQJLQWHUHVWUDWH


'HVHPEHU'HFHPEHU
Kas - - - - - - - - 2.595.260 2.595.260 Cash
Giro pada Bank Indonesia 4.454.108 - - - - - - - - 4.454.108 Current accounts with Bank Indonesia
Giro pada bank lain 176.979 - - - - - - - - 176.979 Current accounts with other banks
Penempatan pada Bank Placements with Bank Indonesia and
Indonesia dan bank lain - - - - - - - 2.629.337 - 2.629.337 other banks
Surat berharga - - - - - - - 10.291.810 - 10.291.810 Marketable securities
Wesel ekspor dan tagihan lainnya - 44.721 - - - - - - - 44.721 Bills and other receivables
Tagihan akseptasi - 33.235 - - - - - - - 33.235 Acceptances receivable
Kredit yang diberikan - 3.425 2.290 19.693 6.487 8.473 246.900 45.021.312 - 45.308.580 Loans
Pembiayaan syariah - - - - - - - 3.593.760 - 3.593.760 Sharia financing

797
179

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798
-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
'$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6
&$7$7$1$7$6/$325$1.(8$1*$1.2162/,'$6,$1 127(6727+(&2162/,'$7('),1$1&,$/67$7(0(176

Tabel di bawah ini mengikhtisarkan eksposur Bank dan entitas anak terhadap risiko tingkat suku bunga The following tables summarize the Bank’s and subsidiaries’ exposures to the interest rate risk

(gross) (tidak diaudit) (lanjutan): (gross) (unaudited) (continued):
'HVHPEHU'HFHPEHU
Penyertaan saham - - - - - - - - 31.984 31.984 Investment in shares
Bunga yang masih akan diterima - - - - - - - - 418.360 418.360 Interest receivables
Aset lain-lain*) - - - - - - - - 9.659 9.659 Other assets*)
Liabilitas segera - - - - - - - - 1.945.539 1.945.539 Obligations due immediately
- Giro 16.360.520 - - - - - - - - 16.360.520 Current accounts -

- Tabungan 11.833.862 - - - - - - - - 11.833.862 Savings-
- Deposito berjangka 17.666.737 985.562 27.480 - - - - - - 18.679.779 Time deposits -
Simpanan syariah 346.540 - - - - - - - - 346.540 Customer deposits - sharia
Simpanan dari bank lain Deposits from other banks
- Giro 48.199 - - - - - - - - 48.199 Current accounts -
- Tabungan 140.514 - - - - - - - - 140.514 Savings -
- Deposito berjangka 67.982 11.255 3.075 - - - - - - 82.312 Time deposits -
- Interbank call money 4.675.700 - - - - - - - - 4.675.700 Interbank call money -
Liabilitas derivatif - - - - - - - 90 - 90 Derivatives payables
Efek-efek yang dijual dengan janji Marketable securities sold under
dibeli kembali 2.978.073 - - - - - - - - 2.978.073 agreement to repurchase
Liabilitas akseptasi - 33.235 - - - - - - - 33.235 Acceptance payables
Efek hutang yang diterbitkan - - - - - - - 2.396.611 - 2.396.611 Debt securities issued
Pinjaman yang diterima - 250 - - 235.000 - - 89.087 - 324.337 Borrowings
Bunga yang masih harus dibayar - - - - - - - - 124.776 124.776 Interest payable
Liabilitas lain-lain - - - - - - - - 799.593 799.593 Other liabilities

7RWDOJDSUHSULFLQJVXNXEXQJD

7RWDOJDSUHSULFLQJLQWHUHVWUDWH

180

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'$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6 799
&$7$7$1$7$6/$325$1.(8$1*$1 127(6727+(&2162/,'$7('),1$1&,$/
.2162/,'$6,$1 67$7(0(176

i. Risiko tingkat suku bunga i. Interest rate risk
Analisis sensitivitas untuk beberapa faktor pasar Sensitivity analysis for several market factors
menunjukkan bagaimana laba rugi dan ekuitas showing how profit or loss and equity could be
dapat dipengaruhi oleh perubahan dari beberapa affected by changes in the relevant risk factor are
faktor risiko sesuai dengan tabel dibawah ini. in the following tables below. In general,
Secara umum, sensitivitas diestimasi dengan sensitivity is estimated by comparing an initial
membandingkan suatu nilai awal ke nilai tertentu value to the value derived after a specified
setelah perubahan tertentu dari faktor pasar, change in the market factor, assuming all other
dengan mengasumsikan seluruh variabel lainnya variables are constant. The sensitivity of the
tetap. Sensitivitas atas laporan laba rugi statement of income is the effect of the assumed
merupakan efek atas perubahan estimasi suku changes in interest rates on the profit or loss for
bunga atas laba rugi untuk suatu periode, a period, based on the floating rate trading and
berdasarkan nilai suku bunga mengambang atas non-trading financial assets and liabilities held by
aset dan liabilitas yang diperdagangkan dan the Bank and subsidiaries. The sensitivity of the
tidak diperdagangkan yang dimiliki Bank dan consolidated statement of comprehensive
entitas anak. Analisis sensitivitas atas laporan income is calculated by revaluing fixed rate
laba rugi komprehensif konsolidasian dihitung available-for-sale financial assets for the effects
dengan menilai kembali perubahan estimasi of the assumed changes in interest rates. The
suku bunga tetap atas aset keuangan yang total sensitivity of the consolidated statement of
tersedia untuk dijual. Jumlah sensitivitas atas comprehensive income is based on the
laporan laba rugi komprehensif konsolidasian assumption that there are parallel shifts in the
didasarkan pada asumsi bahwa terdapat yield curve.
perubahan paralel dalam kurva penghasilan.
Tabel di bawah ini menunjukkan sensitivitas dari The table below demonstrates the sensitivity of
laporan laba rugi komprehensif konsolidasian the Bank’s and subsidiaries’ consolidated
Bank dan entitas anak terhadap kemungkinan statement of income and statement of
perubahan wajar atas suku bunga untuk aset comprehensive income to reasonably possible
dan liabilitas keuangan dengan suku bunga tetap changes in interest rates for fixed rate financial
pada tanggal 31 Desember 2014 dan 2013 (tidak assets and liabilities as of December 31, 2014
diaudit): and 2013 (unaudited):
'HVHPEHU'HFHPEHU
'DPSDNNH
ODSRUDQODEDUXJL
NRPSUHKHQVLI
NRQVROLGDVLDQ
,PSDFWWRWKH
FRQVROLGDWHG
3HUXEDKDQEDVLV VWDWHPHQW
SRLQ&KDQJH RIFRPSUHKHQVLYH
LQEDVLVSRLQW LQFRPH
Rupiah +125 (343.515) Rupiah
+50 (146.406)
-50 146.406
-125 343.515
Valas +125 (5.062) Foreign currency

+50 (84.261)
-50 84.261
-125 5.062
181


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-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
800 '$1(17,7$6$1$.1<$ $1',7668%6,',$5,(6
&$7$7$1$7$6/$325$1.(8$1*$1 127(6727+(&2162/,'$7('),1$1&,$/
.2162/,'$6,$1 67$7(0(176

i. Risiko tingkat suku bunga (lanjutan) i. Interest rate risk (continued)
Tabel di bawah ini menunjukkan sensitivitas dari The table below demonstrates the sensitivity of
laporan laba rugi komprehensif konsolidasian the Bank’s and subsidiaries’ consolidated
Bank dan entitas anak terhadap kemungkinan statement of income and statement of
perubahan wajar atas suku bunga untuk aset comprehensive income to reasonably possible
dan liabilitas keuangan dengan suku bunga tetap changes in interest rates for fixed rate financial
pada tanggal 31 Desember 2014 dan 2013 (tidak assets and liabilities as of December 31, 2014
diaudit) (lanjutan): and 2013 (unaudited) (continued):
'HVHPEHU'HFHPEHU
'DPSDNNH
ODSRUDQODEDUXJL
NRPSUHKHQVLI
NRQVROLGDVLDQ
,PSDFWWRWKH
FRQVROLGDWHG
3HUXEDKDQEDVLV VWDWHPHQW
SRLQ&KDQJH RIFRPSUHKHQVLYH
LQEDVLVSRLQW LQFRPH
Rupiah +125 (333.080) Rupiah
+50 (524.444)
-50 216.439
-125 884.893
Valas +125 (5.296) Foreign currency

+50 (1.059)
-50 1.059
-125 5.296
5,6,.223(5$6,21$/ 23(5$7,21$/5,6.
Risiko operasional adalah risiko kerugian langsung Operational risk is a direct or indirect losses risk
ataupun tidak langsung yang terjadi karena tidak incurred by insufficient or malfunction of internal
memadainya atau karena adanya kegagalan processes, human error, system failure, or external
proses internal, kesalahan manusia, kegagalan problems that affect the operations of the Bank
sistem atau adanya masalah eksternal yang dapat and subsidiaries.
mempengaruhi operasional Bank dan entitas anak.
Sebagai wujud pelaksanaan proses pengawasan As a form of implementation of the monitoring

terhadap risiko operasional yang mungkin terjadi, process to the operational risks that may occur,
Bank dan entitas anak telah mengembangkan Bank and subsidiaries have developed a system
suatu sistem dengan menggunakan metodologi using its own measurement methodology, using
pengukuran sendiri, menggunakan tools Risk tools Risk Control Self Assessment (RCSA)
Control Self Assessment (RCSA) yang dilakukan conducted by each risk taking unit. Besides it,
oleh masing-masing risk taking unit, melakukan every month each risk-taking unit take an
penilaian terhadap terhadap indikator-indikator assessment of the Bank’s key indicators (Key Risk
utama (Key Risk Indicator) Bank yang digunakan Indicators) which are used as an early warning
sebagai early warning system serta wajib system and also requirement report potential
melaporkan timbulnya kerugian/potensi kerugian losses arising from operational risks in Lost Event
yang timbul akibat risiko operasional dalam tools Database (LED) tools. The entire process is an
Lost Event Database (LED). Keseluruhan proses attempt to intensify a risk awareness culture to
dimaksud merupakan upaya guna meningkatkan potential risks encountered by the Bank and as a
budaya risk awareness terhadap potensi-potensi guideline for management in order to control and
risiko yang dihadapi oleh Bank dan sebagai mitigate the impact of arising risks.
pedoman bagi manajemen guna melakukan
pengendalian dan mitigasi terhadap dampak risiko
yang timbul.
182


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-$:$%$5$7'$1%$17(17EN -$:$%$5$7'$1%$17(17EN
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5,6,.223(5$6,21$/ODQMXWDQ 23(5$7,21$/5,6.FRQWLQXHG
Disamping melakukan proses manajemen risiko In addition of conducting risk management process
terhadap risiko yang melekat dalam aktivitas for inherent risk in the existing activity, the Bank
existing, Bank dan entitas anak juga menerapkan and subsidiaries also implement a comprehensive
manajemen risiko secara menyeluruh atas rencana risk management for issuance of new products and
penerbitan produk dan aktivitas baru sesuai activities plan and in accordance with the type of
dengan jenis risiko yang telah ditetapkan dalam risk that has been established in PBI
PBI No. 5/8/PBI/2003 beserta perubahannya No. 5/8/PBI/2003 and its amandement through PBI
melalui PBI No. 11/25/PBI/2009 tentang No. 11/25/PBI2009 on the Implementation of Risk
penerapan Manajemen Risiko Bagi Bank Umum Management for Bank and Bank Indonesia Circular
dan SE BI No. 11/35/DPNP tanggal 31 Desember Letter No. 11/35/DPBP dated December 31, 2009,
2009 perihal Pelaporan Produk dan Aktivitas Baru. regarding New Products and Activities Report.
Bank telah melakukan perhitungan beban modal The Bank have been calculation operational risk
risiko operasional berdasarkan Basel Committee capital requirements under Basel Committee on
on Banking Supevision dan SE BI Banking Supervision and Bank Indonesia Circular
No. 11/13/DPNP tanggal 27 Januari 2009 perihal Letter No. 11/13/DPNP dated Januari 27, 2009
Perhitungan Aset Tertimbang Menurut Risiko regarding the calculation of Risk Weighted Assets
(ATMR) Risiko Operasional dengan menggunakan (RWA) Operational risk by Using the Basic
Pendekatan Indikator Dasar (PID). Bank dan indicator Approach (BIA). Bank and subsidiaries
entitas anak menggunakan metodologi pendekatan using Basic Indicator approach and methodology,
Basic Indicator dan saat ini masih dalam proses are currently doing a development of the capital
pengembangan terhadap perhitungan beban allowance calculation by using Standardize
modal risiko operasional dengan metode Approach method and the collection of risk data
Standardized Approach serta pengumpulan data which are used in calculating operational in capital
risiko yang digunakan dalam perhitungan beban charges risks using a more complex approach
modal Risiko Operasional dengan menggunakan (Advanced Measurement Approach).
pendekatan yang lebih kompleks (Advanced
Measurement Approach).
Bank telah mengembangkan suatu kerangka kerja

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Laporan Tahunan

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LAPORAN DEWAN KOMISARIS

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