Ar BJB 2013 Ara Final Terakhir PDF

Laporan Tahunan 2013 Annual Report
Moving Forward
with Greater Value
for Customers
IDX : BJBR
2012 2013
Kredit yang diberikan Kredit yang diberikan
01 Disbursed Loans Disbursed Loans 01
Rp 38,33 T
+25,16
%
Rp 48,90 T
Pendapatan Pendapatan
Bunga Bersih Bunga Bersih
02 Net Interest Income Net Interest Income 02
Rp 3,65 T
+30,82
%
Rp 4,78 T
Laba Bersih Laba Bersih

03 Net Income Net Income 03
Rp 1,19 T
+15,34
%
Rp 1,38 T
Daftar Isi Table of Contents
64
Pembuka
Introduction 1 Analisa & Pembahasan
64
Moving Forward with Greater Value for Customers 1 atas Kinerja Perusahaan
Moving Forward with Greater Value for Customers Management Discussion & Analysis
Visi & Misi 4 on Company Performance
Vision & Mission
Tinjauan Bisnis
65
Nilai-nilai Perusahaan 5
Corporate Values
Identitas Perusahaan 6 Business Review
Corporate Identity
Sekilas bank bjb 7 • Tinjauan Industri 67
bank bjb in Brief Industry Review
Jaringan Layanan 10 • Kredit Konsumer 74
Network Consumer
Tonggak Sejarah 12 • bjb Precious 82
Milestones bjb Precious
Peristiwa Penting 2012 18 • Korporasi dan Komersial 86
2012 Significant Events Corporate and Commercial
Rapat Umum Pemegang Saham Tahunan (RUPST) 20 • Mikro 92
Annual General Meeting of Shareholders (AGMS) Micro Banking
Penghargaan 22 • Internasional & Tresuri 98
Awards Treasury & International
Ikhtisar Keuangan 24 • KPR & Mortgage 108
Financial Highlights Mortgage & Housing Financing
Ikhtisar Saham 26 • Bisnis Syariah 118
Stock Highlights Sharia Business
Informasi bagi Investor 29 • Aspek Pemasaran 124
Information for Investors Marketing Aspect
Profil Perusahaan 34
Company Profile
Laporan Dewan Komisaris 38

Report from Board of Commisioner
Laporan Direktur Utama 46

Report from the President Director

Tinjauan Rencana dan Strategi 56
Plan and Strategy Reviews
130
270
Tinjauan Fungsional
Functional Review 130
Tata Kelola Perusahaan
Good Corporate Governance 272
• Sumber Daya Manusia
Human Resources
• Teknologi Informasi
132
150
Tanggung Jawab
Sosial Perusahaan 372
Information Technology Corporate Social Responsibility
Laporan Keuangan Konsolidasian 393

Tinjauan Keuangan Consolidated Financial Statements
Financial Review 156 Data Perusahaan
• Tinjauan Industri 156 Corporate Data 609
Industry Review
• Prospek Usaha 178 Profil Dewan Komisaris 610
Business Prospects Board of Commissioner Profile
Profil Direksi 613
Manajemen Risiko 192 Board of Directors Profile
Risk Management Profil Pemimpin Divisi bank bjb 616
Head Division bank bjb Profile
Struktur Organisasi 624
Organization Structure
Jaringan Kantor 626
Offices Network
Lokasi ATM 641
ATM Locations
Kantor Fungsional “Waroeng bjb” 667
Fungsional Office “Waroeeng bjb”
Unit Layanan bank bjb 673
bank bjb Services Unit
Perusahaan Anak/Perusahaan Asosiasi 675
Affiliated/Asociation
StrukturPerusahaan Anak/Perusahaan Asosiasi 676
Affiliated/Asociation Structure
Tanggung Jawab Pelaporan Tahunan 2013 677-678
Responsible for 2013 Annual Report
Moving Forward
with Greater Value
for Customers
Seiring dengan perjalanan waktu, bank bjb terus berkembang
sesuai dengan sasaran bisnis yang telah direncanakan. Tentu banyak
tantangan yang dihadapi. Namun satu hal yang pasti, bank bjb
berpegang teguh pada komitmen untuk selalu meningkatkan kualitas
di segala bidang demi memberikan nilai lebih bagi para nasabah.
Itulah landasan bisnis bank bjb. Bahkan di tengah dinamika

lingkungan usaha sepanjang tahun 2013, bank bjb tetap fokus pada
peningkatan kualitas, baik dari aspek kinerja, pelayanan maupun
sumber daya manusia.
bank bjb meyakini, melalui peningkatan kualitas, bank bjb dapat

tumbuh lebih pesat secara berkelanjutan melalui pemanfaatan secara
optimal atas seluruh sumber daya yang dimiliki. Sehingga, Perseroan
senantiasa mampu menciptakan nilai tambah lebih besar bagi seluruh
pemangku kepentingan.
Over time, bank bjb continues to develop in accordance with the planned business objectives. Undoubtedly
there are numerous challenges to be faced. But one thing is for sure, bank bjb stands to the commitment
to always improve quality in all areas in order to provide more value for the customers.
That is the business foundation of bank bjb. Even in the midst of the dynamics of the business environment
throughout 2013, bank bjb remains focused on improving quality, both from the aspect of performance,
services and human resources.
bank bjb is convinced, through improved quality, bank bjb will be able to sustainably develop more rapidly
through optimal utilization of all available resources. Thus, the Company continues to be able to create
greater added value for all stakeholders.
2
bank bjb • Laporan Tahunan 2013 Annual Report
Service Excellence
01 Pelayanan yang berkualitas adalah hasil akhir dari apa yang dirasakan oleh
nasabah dalam berinteraksi dengan bank. Di bank bjb, kualitas pelayanan
menjadi prioritas agar tidak sekedar memenuhi kebutuhan nasabah namun
juga melebihi ekspektasi nasabah.
Introduction
The quality of service is the end result that customers get from their
interaction with the bank. At bank bjb, service quality is the priority so
that we can offer customer more then merely meeting their needs but also
surpassing their expectation.
Management Discussion
& Analysis on Company
Performance
Professionalism
02 Sumber daya manusia yang berkualitas merupakan salah satu faktor
Good Corporate
pembeda yang menentukan keberhasilan perusahaan. Profesionalisme dan
Governance
integritas terus dibina dalam diri individu setiap karyawan di bank bjb guna
meningkatkan kualitas hasil kerja bersama.
Quality human resources is one of the distinguishing factors that determine

the success of a company. Professionalism and integrity shall be continuously
Corporate Social
nurtured in each individual at bank bjb in order to improve the results from
Responsibility
our collaboration.
Quality Performance
03 Untuk mencapai pertumbuhan yang berkelanjutan, kualitas kinerja adalah
Financial Statements
Consolidated
lebih penting dari sekedar peningkatan pertumbuhan. Kinerja yang

berkualitas di bank bjb tercermin dari pertumbuhan yang terus stabil dalam
koridor prinsip prudensial perbankan dan pengelolaan risiko yang baik.
Corporate Data
In order to achieve sustainable growth, quality of performance is more

important than merely growing. Quality performance at bank bjb is reflected
on its steady growth within the corridor of prudential banking principles and
excellent risk management.
3
Visi & Misi Vision & Mission
Visi Vision
Menjadi 10 bank terbesar dan berkinerja baik di

Indonesia.
One of the 10 largest banks with high performance in Indonesia.
Misi Mission
• Penggerak dan Pendorong Laju

Perekonomian Daerah.
• Melaksanakan Penyimpanan Uang Daerah.
• Salah Satu Sumber Pendapatan Asli Daerah.
• Mover and Motivator for Accelerating Provincial Economy.
• Provincial Cash Depository.
• A Source of Provincial Income.
*) 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
4 Kriteria ARA No. IV.5.1,2,3

Nilai-nilai Perusahaan Corporate Values
G O S P I R I T
Service Excellence
Professionalism
Introduction
Integrity
Respect
Intelligence
Performance
Trust
Good Corporate
Governance
Corporate Values Perilaku Utama Main Behavior
Service Excellence 1. Ramah, tulus, kekeluargaan 1. Friendly, sincere, familiar

2. Selalu memberikan pelayanan prima 2. Always provide excellent service
Professionalism 3. Cepat, Tepat, Akurat 3. Quick, precise, accurate

4. Kompeten dan bertanggung jawab 4. Competent and responsible
Corporate Social
Responsibility
5. Memahami dan melaksanakan 5. Understand and follow company
ketentuan perusahaan provisions
Integrity 6. Konsisten, disiplin, dan penuh 6. Consistent, disciplined, and exuberant

semangat 7. Keeping the image of the Bank through
7. Menjaga citra Bank melalui perilaku ethical behavior and respect
terpuji dan menjunjung tinggi etika
Consolidated
Respect 8. Fokus pada nasabah 8. Focus on customer
9. Peduli pada lingkungan 9. Care for the environment
Intelligence 10. Selalu memberikan solusi yang 10. Always give best solution
terbaik
11. Berkeinginan kuat untuk 11. Strong desire to develop themselves
Corporate Data
mengembangkan diri
12. Menyukai perubahan positif 12. Like positive change
Trust 13. Menumbuhkan transparansi, 13. Growing transparency, togetherness,

kebersamaan dan kerja sama yang and good relationships
sehat
14. Menjaga rahasia bank dan 14. Protect Bank and company information
perusahaan
5
Identitas Perusahaan Corporate Identity
Nama Perusahaan PT Bank Pembangunan Daerah Jawa Barat dan Name of Company
Banten, Tbk.
Nama Panggilan bank bjb Call Name
Kantor Pusat Menara bank bjb Head Office

Jl. Naripan No. 12-14
Bandung 40111
Telepon +6222-4234868 Phone
Faksimili +6222-4206099 Facsimile
Didirikan 20 Mei/May 1961 Founded
Pemilik Pemda Provinsi Jawa Barat (38,26%), Pemda Provinsi Shareholders

Banten (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%)
Jumlah Aktiva Rp 70,958 Triliun Total Assets
Jumlah Jaringan Kantor 1 Kantor Pusat Head Office Office Network

62 Kantor Cabang Branch Offices
304 Kantor Cabang Pembantu Sub Branch Offices
266 Kantor Kas Cash Units
107 Payment Point Payment Points
11 Kas Mobil Keliling Mobile Cash Service
1.139 ATM bank bjb bank bjb ATMs
Alamat Website http://www.bankbjb.co.id Website Adress
Alamat E-mail ir@bankbjb.co.id or divisicorporatesecretary@bankbjb. E-mail Adress

co.id
Call Center 14049 Call Center
6 Kriteria ARA No. IV.1 & 3

Sekilas bank bjb bank bjb in brief
Introduction
Performance
Good Corporate
Governance
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
Corporate Social
se-Jawa Barat dan Banten, dan publik.
Responsibility
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 Consolidated
(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
Corporate Data
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.
Kriteria ARA No. V.2 7

Sekilas bank bjb bank bjb in brief
Sebagai tindak lanjut dari Peraturan Pemerintah tersebut, Pemerintah As a follow-up of the regulation, the Government of
Provinsi Jawa Barat mendirikan “PT Bank Karja Pembangunan West Java Province established the “PT Bank Karja Pembangunan
Daerah Djawa Barat” dengan modal dasar dari kas daerah sebesar Daerah Djawa Barat” capital base of local cash amounting to
Rp2.500.000, berdasarkan Akta Pendirian No.125 tanggal 19 Rp2,500,000, by Deed 125 dated November 19, 1960 in conjunction
November 1960 juncto. Akta Perubahan No.152 tanggal 21 Maret 1961 by Deed of notary Noezar Number 152 Date March 21, 1961
dan Akta Perubahan No.84 tanggal 13 Mei 1961, keduanya dibuat di and Number 184 dated May 13, 1961 and confirmed by the
hadapan Noezar, Notaris di Bandung. serta dikukuhkan dengan Surat Decree (SK), West Java Province Governor No. 7/GKDH/BPD/61
Keputusan (SK) Gubernur Provinsi Jawa Barat Nomor 7/GKDH/BPD/61 dated May 20, 1961 concerning the establishment of regional
tertanggal 20 Mei 1961 tentang Pembentukan Perusahaan Daerah PT Bank Karja Pembangunan Daerah Djawa Barat.
PT Bank Karja Pembangunan Daerah Djawa Barat.
Dalam rangka penyesuaian dengan ketentuan Undang-Undang To improve the legal status of the West Java Regional Development
Republik Indonesia No.13 Tahun 1962 tentang Ketentuan-ketentuan Bank, Regional Regulation (Perda) No. 11/PDDPRD West Java
Pokok Bank Pembangunan Daerah, bentuk hukum Perseroan diubah province/72 Date June 27, 1972 was issued concerning the Legal
dari Perseroan Terbatas Bank Karja Pembangunan Daerah Djawa Status of the Bank’s operations in West Java Regional Development
Barat menjadi Bank Pembangunan Daerah Jawa Barat berdasarkan as a local company (PD) which is engaged in banking. In further
Peraturan Daerah Provinsi Jawa Barat No.11/PD-DPRD/1972 tanggal developments, the name of PD Regional Development Bank’s work
27 Juni 1972 tentang Penyempurnaan Kedudukan Hukum Bank changed to BPD Jabar through the West Java Provincial Law No. 1/
Karja Pembangunan Daerah Djawa-Barat. Nama PD Bank Karja DP-040/PD/1978 dated June 27, 1978. Along with the increased
Pembangunan Daerah Jawa Barat selanjutnya diubah menjadi BPD activity and customer needs, in 1992 the status of BPD Jabar was
Jabar sesuai Perda Provinsi Jawa Barat Nomor 1/DP-040/PD/1978 upgraded to a foreign exchange commercial bank based on the
Tanggal 27 Juni 1978. Pada tahun 1992 sesuai dengan Surat Decree of Bank Indonesia (BI) Number 25/84/KEP/DIR on November
Keputusan Bank Indonesia No.25/84/KEP/DIR tanggal 2 November 2, 1992. Furthermore, based on Regulation No. 11 of 1995, this
1992 status BPD Jabar meningkat menjadi bank umum devisa. bank has the name of Bank Jabar with a new logo.
Berdasarkan Peraturan Daerah Nomor 11 Tahun 1995, BPD Jabar
memiliki sebutan Bank Jabar dengan logo baru.
Berdasarkan Peraturan Daerah Provinsi Daerah Tingkat I Jawa Barat Pursuant to the West Java Provincial Decree No. 22 dated December
No.22 Tahun 1998 tanggal 14 Desember 1998 tentang Perubahan 14, 1998 about the change of legal status of the Regional
Bentuk Hukum Bank Pembangunan Daerah Jawa Barat dari Development Bank of West Java from a regional corporation to be a
Perusahaan Daerah menjadi Perseroan Terbatas (PT). Bentuk hukum limited liability company, the legal status of the Regional Development
Bank Pembangunan Daerah Jawa Barat berubah yang semula Bank of West Java was changed to be a Limited Liability Company.
Perusahaan Daerah menjadi Perseroan Terbatas. Perda tersebut The regional government decree was later authorised by the Deed of
dituangkan lebih lanjut pada Akta Pendirian Nomor 4 Tanggal 8 Establishment No. 4 dated April 8, 1999 juncto Deed of Amendment
April 1999 juncto Akta Perbaikan Nomor 8 Tanggal 15 April 1999 No. 8 dated April 15, 1999, which were written before Popy Kuntari
keduanya dibuat di hadapan Popy Kuntari Sutresna, S.H., Notaris di Sutresna, Notary in Bandung as approved by the Ministry of Law
Bandung yang telah memperoleh pengesahan Menteri Kehakiman RI Republic of Indonesia by virtue of the Decree No. C2-7103.HT.01.01.
berdasarkan Surat Keputusan No.C2-7103.HT.01.01.TH.99 tanggal TH.99 dated April 16, 1999, registered in the Company Registry
16 April 1999, didaftarkan dalam Daftar Perusahaan di Kantor Office No. 871/BH.10/11/IV/99 dated April 24, 1999, and announced
Pendaftaran Perusahaan Kab/Kodya Bandung di bawah No.871/ on State Gazette No. 39 dated May 14, 1999, supplemental No.
BH.10.11/IV/99 tanggal 24 April 1999, serta telah diumumkan 2811, the legal status Bank Jabar was changed from a Regional
dalam Berita Negara Republik Indonesia No.39 tanggal 14 Mei Corporation to a Limited Liability Company.
1999, Tambahan No.2811, bentuk hukum Bank Jabar diubah dari
Perusahaan Daerah (PD) menjadi Perseroan Terbatas (PT).
8
Untuk memenuhi meningkatnya kebutuhan masyarakat akan jasa To meet public demand for services based on Sharia banking
layanan perbankan yang berlandaskan syariah, sesuai dengan izin principles, in accordance with the permission letter of BI No. 2/18/
BI Nomor 2/18/ DpG/DPIP Tanggal 12 April 2000 maka sejak tanggal DpG/DPIP on 12 April 2000, Bank Jabar became on April 15, 2000 the
15 April 2000 Bank Jabar menjadi bank pembangunan daerah first regional development bank in Indonesia to run a dual banking
pertama di Indonesia yang menjalankan dual banking system, yaitu system, which provides banking services with both conventional and
memberikan layanan perbankan dengan sistem konvensional dan Sharia systems.
sistem syariah.
Berdasarkan Rapat Umum Pemegang Saham (RUPS) tanggal 16 The result of the general meeting of shareholders (AGM) April
April 2001 menyetujui peningkatan modal dasar Bank Jabar menjadi 16, 2001 was to increase authorized capital of Bank Jabar to
Introduction
Rp1 triliun. Selanjutnya, berdasarkan hasil keputusan RUPS yang Rp1 trillion for more flexibility to execute its business expansion.
diselenggarakan pada tanggal 14 April 2004 berdasarkan Akta Nomor Furthermore, based on resolution at the AGM held on April
10 Tanggal 14 April 2004, modal dasar Bank Jabar dinaikkan dari 14, 2004 by Act No. 10 on April 14, 2004, the authorized
Rp1 triliun menjadi Rp2 triliun. Melihat perkembangan prospek usaha capital of the Bank Jabar was increased from Rp1 trillion to
yang terus membaik, hasil RUPS tanggal 5 April 2006 menetapkan Rp2 trillion. Seeing the development of business prospects continuing
kenaikan modal dasar Bank Jabar dari Rp2 triliun menjadi to improve, the results of April 5, 2006 AGM set the authorized
Performance
Rp4 triliun. capital increase of Bank Jabar of Rp2 trillion to Rp4 trillion.
Pada bulan November 2007, sebagai tindak lanjut SK Gubernur In November 2007, following the issuance of Bank Indonesian
BI Nomor 9/63/kep.gbi/2007 tentang Perubahan Izin Usaha Atas Governor Decree No. 9/63/kep.gbi/2007 on Amendment to Business
Nama PT Bank Pembangunan Daerah Jawa Barat Menjadi Izin Usaha License on behalf of PT Bank Pembangunan Daerah Jawa Barat had
Atas Nama PT Bank Pembangunan Daerah Jawa Barat dan Banten, a Business License on behalf of PT Bank Pembangunan Daerah Jawa
Good Corporate
Governance
dilaksanakan penggantian call name dari “Bank Jabar” menjadi Barat dan Banten, renaming Bank Jabar to “Bank Jabar Banten”.
“Bank Jabar Banten”.
Sehubungan dengan kegiatan usaha perbankan syariah, Bank In relation to the Islamic banking business, the Company spun off
Jabar Banten melakukan pemisahan (spin off) unit usaha syariah the Sharia business unit into a Sharia bank with the name PT Bank
menjadi bank syariah dengan nama PT Bank Jabar Banten Syariah. Jabar Banten Syariah. Based on the Deed of Establishment of Limited
Corporate Social
Berdasarkan Akta Pendirian Perseroan Terbatas, PT Bank Jabar Banten Liability Companies, PT Bank Jabar Banten Syariah No.4 dated January
Responsibility
Syariah No.4 tanggal 15 Januari 2010, dibuat oleh Fathiah Helmi, 15, 2010, made by Fathiah Helmi, SH, Notary in Jakarta, bank bjb
S.H., Notaris di Jakarta, bank bjb memiliki penyertaan sebanyak has an investment of 1,980,000,000 (one billion nine hundred eighty
1.980.000.000 (satu miliar sembilan ratus delapan puluh juta) saham million) shares representing 99% (ninety nine percent) of all shares
yang merupakan 99% (sembilan puluh sembilan persen) dari seluruh issued and fully paid shares in the Subsidiary. Bank Jabar Banten
saham yang telah ditempatkan dan disetor penuh dalam Anak Sharia has obtained a license from Bank Indonesia in accordance
Perusahaan. Bank Jabar Banten Syariah memperoleh izin usaha dari with the Decision of the Governor of Bank Indonesia No.12/35/KEP.
Consolidated
Bank Indonesia sesuai dengan Keputusan Gubernur Bank Indonesia GBI/2010 dated April 30, 2010 about Granting License to PT Bank
No.12/35/KEP.GBI/2010 tanggal 30 April 2010 Tentang Pemberian Jabar Banten Syariah.
Izin Usaha PT Bank Jabar Banten Syariah.
Seiring dengan perkembangan jaringan kantor yang lebih luas maka In line with the development of a wider service and based on the
berdasarkan Hasil Rapat Umum Pemegang Saham Luar Biasa PT Bank results of Extraordinary General Meeting Shareholders of PT Bank
Corporate Data
Pembangunan Jawa Barat dan Banten Nomor 26 tanggal 21 April Pembangunan Jawa Barat dan Banten No. 26 dated April 21, 2010, in
2010 dan sesuai Surat Bank Indonesia No. 12/78/APBU/Bd tanggal 30 accordance with the Letter of Bank Indonesia 12/78/APBU/Bd dated
Juni 2010 perihal Rencana Perubahan Logo, serta Surat Keputusan June 30, 2010 regarding the Logo Amendment Plan and Decree
Nomor 1337/SK/DI(R-PPN/2010 tanggal 5 Juli 2010, maka pada No. 1337/SK/DI (R-PPN/2010 dated July 5, 2010, the Company’s
tanggal 8 Agustus 2010 nama “Bank Jabar Banten” resmi berubah name officially changed to “bank bjb” on August 8, 2010.
menjadi “bank bjb”.
9
Jaringan Layanan Network
Kantor Cabang bank bjb

bank bjb Branch Office
SUMATERA UTARA
Kantor Cabang/Branch Office Kota/City
CABANG MEDAN Medan
RIAU
CABANG PEKANBARU Pekan Baru
CABANG BATAM Batam
SUMATERA SELATAN KALIMANTAN SELATAN

Kantor Cabang/Branch Office Kota/City Kantor Cabang/Branch Office Kota/City
CABANG PALEMBANG Palembang CABANG BANJARMASIN Banjarmasin
LAMPUNG
CABANG BANDAR LAMPUNG Bandar Lampung
JAWA TENGAH
BANTEN CABANG SEMARANG Semarang
Kantor Cabang/Branch Office Wilayah/Region CABANG TEGAL Tegal
CABANG TANGERANG Tangerang CABANG SURAKARTA Surakarta
CABANG SERANG Serang
CABANG CILEGON - BANK DEVISA Cilegon
CABANG PANDEGLANG Pandeglang
CABANG LABUAN Labuan
CABANG RANGKASBITUNG Rangkasbitung
CABANG BSD Tangerang Selatan
CABANG BALARAJA Tangerang
BALI
DKI Jakarta Kantor Cabang/Branch Office Kota/City
Kantor Cabang/Branch Office Wilayah/Region CABANG DENPASAR Denpasar
CABANG RAWAMANGUN - CABANG DEVISA Jakarta Timur
CABANG KHUSUS JAKARTA Jakarta Pusat
CABANG KEBAYORAN BARU Jakarta Selatan JAWA BARAT JAWA BARAT
CABANG MANGGA DUA Jakarta Pusat Kantor Cabang/Branch Office Kota/City Kantor Cabang/Branch Office Kota/City
CABANG HASYIM ASHARI Jakarta Barat CABANG UTAMA BANDUNG Bandung CABANG TASIKMALAYA Tasikmalaya
(JAKARTA BARAT) CABANG CIMAHI Cimahi CABANG MAJALENGKA Majalengka
CABANG RASUNA SAID Jakarta Selatan CABANG SOREANG Bandung CABANG CIAMIS Ciamis
CABANG S. PARMAN Jakarta Barat CABANG SUMEDANG Sumedang CABANG CIREBON Cirebon
CABANG DAAN MOGOT Jakarta Barat CABANG TAMANSARI Bandung CABANG INDRAMAYU Indramayu
CABANG SAHARJO Jakarta Selatan CABANG SUCI Bandung CABANG KUNINGAN Kuningan
CABANG BOGOR Bogor CABANG PALABUHANRATU Pelabuhanratu
CABANG DEPOK Depok CABANG BANJAR Banjar
CABANG CIBINONG Bekasi CABANG PADALARANG Padalarang
CABANG CIKARANG Bekasi CABANG SUKAJADI Bandung
CABANG BEKASI Bekasi CABANG SUMBER Cirebon
CABANG PURWAKARTA Purwakarta CABANG BUAH BATU - CABANG Bandung
DEVISA
CABANG KARAWANG Karawang
CABANG MAJALAYA Bandung
CABANG CIANJUR Cianjur
CABANG JATINANGOR Sumedang
CABANG SUKABUMI Sukabumi
CABANG SINGAPARNA Tasikmalaya
CABANG GARUT Garut
10 CABANG SUBANG Subang

Introduction
KALIMANTAN TIMUR
CABANG BALIKPAPAN Balikpapan
Performance
Good Corporate
Governance
Corporate Social
Responsibility
Sulawesi Selatan
CABANG MAKASSAR Makassar
Consolidated
JAWA TIMUR
CABANG SURABAYA Surabaya
Corporate Data
11
Tonggak Sejarah Milestones
bank bjb didirikan

dengan nama PT Bank
Karja Pembangunan
Daerah Djawa Barat
yang merupakan hasil
nasionalisasi bank “NV
Denis” pada masa Berubah menjadi
pemerintahan Belanda Memperoleh izin
PD Bank Pembangunan
beroperasi sebagai
Daerah Jawa Barat
bank bjb established with Bank Devisa
the name of PT Bank Karja
Pembangunan Daerah Changed the name to
Had a license to
Djawa Barat which was PD Bank Pembangunan
become a foreign
nationalized from NV DENIS, Daerah Jawa Barat
exchange commercial
a Dutch Company
bank
1915 1961 1972 1978 1991 1992 1999
De Eerste Berubah menjadi

Menerbitkan Berubah dari PD
Nederlandsche- Perusahaan Daerah
Obligasi untuk menjadi Perseroan
Indische Spaarkas en (PD) Bank Karja
pertama kalinya Terbatas (PT)
Hyphoteekbank (DENIS, Pembangunan Daerah
1915). DENIS merupakan Jawa Barat
Issue its first bond Legal Status of Bank
salah satu bank tabungan
Jabar changed from PD
dan hipotik di Hindia Completion of the
into
Belanda. legal position and
a limited liability
changed to PD Bank
company (PT)
De Eerste Karja Pembangunan
Nederlandsche- Daerah
Indische Spaarkas en Jawa Barat
Hyphoteekbank (DENIS,
1915). DENIS said to be the
first saving and hypoteek
bank is in the East Indies.
12 Kriteria ARA No. IV. 2

Menjadi BPD pertama
Introduction
yang menjalankan
dua sistem
perbankan, yaitu
konvensional dan
syariah
Bank Jabar becomes
the first BPD in
Menerbitkan
Indonesia to run a
Performance
Obligasi VI
dual banking system Menerbitkan
providing both Obligasi VII
Issue VI Bond
conventional and
Sharia systems Issue VII Bond
Good Corporate
Governance
2000 2007 2009 2010 2011 2012
Corporate Social
Responsibility
Berubah menjadi • Peningkatan rating dari • Peringkat 2 Annual Report
PT Bank Pembangunan Pefindo Award 2011
Daerah Jawa Barat dan menjadi peringkat idAA- • Mendapat Peringkat
Banten • Spin Off Unit Usaha Perusahaan Terpercaya
Changes in Operating Syariah dari Corporate Governance
Consolidated
License to become Business • IPO Perception Index (CGPI) 2011
License on behalf of • Re-branding • Rebranding bjb Precious
PT Bank Pembangunan
Daerah Jawa Barat and • Increased rating from • 2th Rank Annual Report
Banten Pefindo to become idAA- Award 2011
• Sharia Trade Unit • Awarded “Trusted” from
• IPO Corporate Governance
• Re-branding Perception Index (CGPI) 2011
Corporate Data
• Rebranding bjb Precious
13
13
bank
bankbjb
bjb •• Laporan
Laporan Tahunan
Tahunan 2013
2013 Annual
Annual Report
Report
NV Denis (De Erste Nederlansche Indische NV Denis (De Erste Nederlansche Indische
Shareholding) – 1915 Shareholding) – 1915
De Eerste Nederlandsche-Indische Spaarkas en Hyphoteekbank De Eerste Nederlandsche-Indische Spaarkas en Hyphoteekbank
(DENIS) merupakan salah satu bank tabungan dan hipotik di Hindia (DENIS, 1915). DENIS said to be the first based on Act No. 40 dated
Belanda yang berdiri berdasarkan Akta Pendirian No. 40 tanggal September 15, 1915, saving and hypoteek bank is in the East
15 September 1915. Indies.
Sejarah Pendirian – 1961 Establishment – 1961

Pendirian Bank Pembangunan Daerah Jawa Barat diawali oleh The establishment of Bank Pembangunan Daerah Jawa Barat was
Peraturan Pemerintah Republik Indonesia nomor 33 tahun triggered by the Indonesian Government Regulation number 33 Year
1960 tentang Penentuan Perusahaan di Indonesia Milik Belanda 1960 regarding the nationalisation of Dutch-owned companies in
yang dinasionalisasi. Salah satu perusahaan milik Belanda yang Indonesia. One of the Dutch-owned companies based in Bandung
berkedudukan di Bandung yang dinasionalisasi yaitu NV Denis that was nationalised was NV Denis (De Erste Nederlansche Indische
(De Erste Nederlansche Indische Shareholding) yang sebelumnya Shareholding) which was previously engaged in mortgage banking.
bergerak di bidang bank hipotek. Sebagai tindak lanjut dari Peraturan As a follow-up of the Government Regulation number 33 Year 1960,
Pemerintah nomor 33 tahun 1960, Pemerintah Propinsi Jawa Barat the Provincial Government of West Java by deed of establishment
berdasarkan Akta Pendirian No.125 tanggal 19 November 1960 No. 125 November 19, 1960 with Noezar Deed number 152 dated
juncto Akta Nomor 152 tanggal 21 Maret 1961 dan Akta Nomor 84 March 21, 1961 and number 84 dated May 13, 1961 and confirmed
tanggal 13 Mei 1961 seluruhnya dibuat Notaris Noezar dan sesuai by the Decree of the Governor of West Java Province number
dengan Surat Keputusan Gubernur Propinsi Jawa Barat nomor 7/GKDH/BPD/61 dated May 20, 1961, established the ”PT Bank Karja
7/GKDH/BPD/61 tanggal 20 Mei 1961 mendirikan Perusahaan Pembangunan Daerah Djawa Barat” with authorized starting capital of
Daerah ”PT Bank Karja Pembangunan Daerah Djawa Barat” dengan Rp2,500,000 from the regional government treasury.
modal dasar untuk pertama kali berasal dari Kas Daerah sebesar
Rp2.500.000,-.
14
Introduction
Performance
Perubahan Badan Usaha – 1978 Changes of business entities - 1978
Good Corporate
Governance
Untuk menyempurnakan kedudukan hukum PT Bank Karja To improve the legal position of the PT Bank Karja Pembangunan
Pembangunan Daerah Djawa Barat, dikeluarkan Peraturan Daerah Daerah Djawa Barat, the Provincial government issued regulation
Propinsi Jawa Barat nomor 11/PD-DPRD/72 tanggal 27 Juni 1972 number 11/PD-DPRD/72 dated June 27, 1972 regarding the legal
tentang kedudukan hukum Bank Karja Pembangunan Daerah status of Bank Karya Pembangunan Daerah Djawa Barat as a local
Djawa Barat sebagai Perusahaan Daerah yang berusaha di bidang enterprise in the banking sector. Furthermore, the name “PD Bank
perbankan. Selanjutnya melalui Peraturan Daerah Propinsi Jawa Karja Pembangunan Daerah Jawa Barat” was changed to “Bank
Corporate Social
Responsibility
Barat nomor 1/DP-040/PD/1978 tanggal 27 Juni 1978, nama “PD Pembangunan Daerah Jawa Barat” by provincial regulation number
Bank Karja Pembangunan Daerah Jawa Barat” diubah menjadi 1/DP-040/PD/1978 dated June 27, 1978.
“Bank Pembangunan Daerah Jawa Barat”.
Peningkatan Aktivitas – 1992 Increasing Activities - 1992

Pada tahun 1992 aktivitas Bank Pembangunan Daerah Jawa In 1992 Bank Pembangunan Daerah Jawa Barat was upgraded to a
Barat ditingkatkan menjadi Bank Umum Devisa berdasarkan Surat Commercial Bank based on the Decree of Bank Indonesia Number
Consolidated
Keputusan Direksi Bank Indonesia Nomor 25/84/KEP/DIR tanggal 25/84/KEP/DIR dated November 2, 1992, and based on Provincial
2 November 1992. Berdasarkan Perda Nomor 11 Tahun 1995 BPD Regulation No. 11 Year 1995 the name was changed to “Bank
Jawa Barat mempunyai call name “Bank Jabar“ dengan logo baru. Jabar” with a new logo.
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 banking,
Corporate Data
perbankan, maka berdasarkan Perda Nomor 22 Tahun 1998 dan and based on Provincial Regulation No. 22 Year 1998 and the
Akta Pendirian Nomor 4 Tanggal 8 April 1999 berikut Akta Perbaikan Deed of Establishment No. 4 dated April 8, 1999 following further
Nomor 8 Tanggal 15 April 1999 yang telah disahkan oleh Menteri amendment No. 8 dated April 15, 1999 dated on April 16, 1999
Kehakiman RI tanggal 16 April 1999, bentuk hukum Bank Jabar which was approved by the Minister of Justice of the Republic
diubah dari Perusahaan Daerah (PD) menjadi Perseroan Terbatas of Indonesia, the legal status of Bank Jabar was changed from a
(PT). Regional enterprise (PD) to Limited Liability Company (PT).
15
Perluasan Bentuk Usaha – Dual Banking System Expanding Business Entity - Dual Banking System
2000 2000
Dalam rangka memenuhi permintaan masyarakat akan jasa layanan In order to meet public demand for services based on Sharia
perbankan yang berlandaskan Syariah, maka sesuai dengan izin Bank principles and in accordance with the consent of Bank Indonesia No.
Indonesia No. 2/18/DpG/DPIP tanggal 12 April 2000, sejak tanggal 2/18/DpG/DPIP dated April 12, 2000, Bank Jabar became the first
15 April 2000 Bank Jabar menjadi bank pembangunan daerah regional development bank running a dual banking system. Since
pertama di Indonesia yang menjalankan dual banking system, yaitu April 15, 2000 Bank Jabar has provided banking services within the
memberikan layanan perbankan dengan sistem konvensional dan conventional and the Sharia systems.
dengan sistem syariah.
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 Biasa Based on Results of the Extraordinary General Shareholders
(RUPS-LB) PT Bank Pembangunan Daerah Jawa Barat tanggal 3 Meeting held in Bogor on July 3, 2007 and in accordance with
Juli 2007 di Bogor, sesuai dengan Surat Keputusan Gubernur the Decree of Governor of Bank Indonesia. 9/63/KEP.GBI/2007
Bank Indonesia No. 9/63/KEP.GBI/2007 tanggal 26 November dated November 26, 2007 the Bank’s name was changed from
2007 tentang Perubahan Izin Usaha Atas Nama PT Bank PT Bank Pembangunan Daerah Jawa Barat to PT Bank Pembangunan
Pembangunan Daerah Jawa Barat menjadi Izin Usaha Atas Nama Daerah Jawa Barat and Banten in the Business License into
PT Bank Pembangunan Daerah Jawa Barat dan Banten, serta SK Business License on Behalf of PT Bank Regional Development
Direksi Nomor 1065/SK/DIR-PPN/2007 tanggal 29 November 2007, West Java and Banten, and Decree No. 1065/SK/DIR-PPN Directors
maka nama Perusahaan berubah menjadi ”PT Bank Pembangunan /2007 dated November 29, 2007, the Bank’s name changed to
Daerah Jawa Barat dan Banten” dengan sebutan (call name) “Bank PT Bank Pembangunan Daerah Jawa Barat dan Banten, renamed
Jabar Banten”. “Bank Jabar Banten”.
Spin Off Spin Off

Pemisahan (spin off) Unit Usaha Syariah menjadi anak perusahaan Bank Jabar Banten sharia banking unit was spun off and became a
yang berdiri sendiri dengan nama “Bank Jabar Banten Syariah” independent subsidiary called “Bank Jabar Banten Syariah” based on
berdasarkan Keputusan Gubernur Bank Indonesia No.12/35/KEP. the business license from Bank Indonesia and in accordance with the
GBI/2010 tertanggal 30 April 2010 tentang Pemberian Izin Usaha Governor of Bank Indonesia Decree No.12/35/KEP.GBI/2010 dated
PT Bank Jabar Banten Syariah. April 30, 2010 regarding business license for PT Bank Jabar Banten
syariah.
Berdasarkan Surat dari Ketua Bapepam dan LK No. S-5901/BL/2010 On June 29, 2010, the bank bjb obtained Registration Statement
Pada tanggal 29 Juni 2010 tentang Pemberitahuan Efektifnya from the Chairman of Bapepam and LK based on Letter No. S-5901/
Pernyataan Pendaftaran Bank Jabar Banten melaksanakan penawaran BL/2010 to carry out initial public offering (IPO) of shares at a nominal
umum perdana saham dengan harga penawaran sebesar Rp600,00 value of Rp 600, which were listed on the Indonesia Stock Exchange
(enam ratus Rupiah) setiap saham yang dicatatkan dalam Bursa Efek on July 8, 2010.
Indonesia pada tanggal 8 Juli 2010.
16
Berdasarkan Hasil Rapat Umum Pemegang Saham Luar Biasa (RUPS- Based on results of the Extraordinary General Meeting of Shareholders
Introduction
LB) PT Bank Pembangunan Daerah Jawa Barat & Banten Nomor of PT Bank Pembangunan Daerah Jawa Barat and Banten No. 26
26 tanggal 21 April 2010, Surat Bank Indonesia No.12/78/APBU/ dated April 21, 2010, and in accordance with Bank Indonesia Letter
Bd tanggal 30 Juni 2010 perihal Rencana Perubahan Logo, serta no.12/78/APBU/Bd dated June 30, 2010 regarding the planned
Surat Keputusan Direksi Nomor 1337/SK/DIR-PPN/2010 tanggal 5 logo change and the Board of Directors Decree No. 1337/SK/DIR-
Juli 2010, maka call name ”Bank Jabar Banten” telah resmi diubah PPN/2010 dated July 5, 2010, the Bank has officially changed its
menjadi ”bank bjb” pada tanggal 2 Agustus 2010. name into “bank bjb” on August 2, 2010.
Performance
IPO IPO
bank bjb merupakan bank pembangunan daerah pertama yang bank bjb is a pioneer among regional development banks as the first
mencatatkan saham perdananya (IPO) di Bursa Efek Indonesia (BEI) to conduct an IPO, on the Indonesian Stock Exchange (IDX) on July
pada tanggal 8 Juli 2010. bank bjb menawarkan saham kepada 8, 2010. bank bjb offered to the public of 2,424,072,500 Series B
publik sejumlah 2.424.072.500 lembar saham Seri B (termasuk shares, (including EMSA) at an offering price of Rp600 per share with
Good Corporate
Governance
EMSA) dengan harga penawaran Rp600,- per saham dimana dana total proceeds from the IPO of about Rp1.4 trillion. Shares offered to
yang diperoleh dari IPO sekitar Rp1,4 triliun. Pelepasan saham ke the public are equivalent to 25% of the total issued and fully paid
masyarakat ini setara dengan 25% dari jumlah modal ditempatkan shares.
dan disetor penuh.
Dana yang diperoleh dari hasil Penawaran Umum ini The funds from the Offering were used by bank bjb to strengthening
Corporate Social
dipergunakan oleh bank bjb untuk penguatan modal perusahaan the Company’s capital to support loan expansion, especially in the
Responsibility
dalam rangka mendukung ekspansi kredit, terutama sektor UMKM, SME sector, expansion of networks and information technology
perluasan jaringan, dan pengembangan teknologi informasi. development. Future bank bjb plans include to focus growth in the
Penawaran Umum Perdana Saham bank bjb memperoleh minat SME sector with the support of existing consumer sectors. bank bjb’s
yang relatif besar dari investor domestik maupun luar negeri. Dalam Initial Public Offering obtained relatively large interest from both
Penawaran Umum kepada masyarakat tanggal 1, 2 dan 5 Juli 2010, domestic and foreign investors. In the Initial Public Offering of 1, 2
permintaan saham bank bjb mengalami oversubscribed sebesar 11,2 and 5 July 2010, the demand for bank bjb shares was oversubscribed
Consolidated
kali untuk porsi pooling. by 11.2 times in the pooling portion.
Corporate Data
17
Peristiwa Penting 2013 2013 Significant Events
> 22 Januari - January > 4 Februari - February 4 > 8 Maret - March 8
bank bjb terus melanjutkan upaya aktif bank bjb menggandeng Perbarindo Bali bank bjb menyelenggarakan Analyst
pemasaran di berbagai kota melalui dalam penyaluran kredit Mikro. Meeting 4Q-2012.
kemitraan strategis.
bank bjb continues to actively conduct its bank bjb in collaboration with Perbarindo bank bjb held 4Q - 2012 Analyst Meeting.
marketing efforts in various cities through Bali in micro lending.
strategic partnerships.
> 19 Mei - May 19 > 7 Juni - June 7 > 26-28 Juli - July 26-28
Penyerahan CSR bank bjb pada HUT ke-52. bank bjb alokasikan dana CSR bank bjb Kembali menggelar Bazar Bulan
untuk kegiatan khitanan massal Berkah bersama Waroeng bjb.
se-Bandung Raya.
bank bjb submitted CSR in its 52nd bank bjb allocated funds for CSR activity, bank bjb again held holding “Bazar Bulan
Anniversary. namely mass circumcision for greater Berkah” and “Waroeng bjb”.
Bandung.
> 4 September - September 4 > 21 September - September 21 > 24 September - September 21
bank bjb memperingati Hari Pelanggan bank bjb - Road to Jak Jazz’13. Investor Gathering ORI 010.
Nasional.
bank bjb commemorated National bank bjb - Road to Jak Jazz’13. ORI 010 Investors Gathering.
Customer Day.
18
Introduction
> 20 Oktober - October 20 > 26 Oktober - October 26 > 8 November - November 8

Performance
bank bjb – Jakarta International Jazz Festival bank bjb mengadakan penarikan undian bank bjb melanjutkan kerjasama dengan
2013. Petik Hadiah bank bjb 2013. PT Waskita Karya.
bank bjb – Jakarta International Jazz Festival bank bjb held drawing of Petik Hadiah bank bjb continued cooperation with
2013. bank bjb 2013. PT Waskita Karya.
Good Corporate
Governance
Corporate Social
Responsibility
> 13 Desember - December 13 > 21 Desember - December 21 > 22 Desember - December 22
Consolidated
Puncak Acara Undian Petik Hadiah bank bjb Lomba Foto bank bjb 2013. bank bjb Service Excellence Award (BBSEA)
2013. 2013.
bank bjb held the peak event of Petik bank bjb Photo Contest 2013. bank bjb Service Excellence Award (BBSEA)
Hadiah bank bjb 2013. 2013.
Corporate Data
> 25 Desember - December 25
bank bjb kembali menyelenggarakan

khitanan massal, operasi bibir sumbing, dan
operasi katarak.
bank bjb held mass circumcision, cleft lip

surgery, and cataract surgery.
19
Rapat Umum Pemegang Saham Annual General Meeting
of Shareholders (AGMS)
Tahunan (RUPST)
Penyelenggaraan Rapat Umum

Pemegang Saham Tahunan (RUPST)
Tahun Buku 2012 bank bjb di Hotel
Hyatt, Bandung, 25 Maret 2013.
2012 Annual General Meeting of Shareholders
(AGMS) bank bjb in Hotel Hyatt, Bandung,
March 25, 2013.
20
Introduction Management Discussion Good Corporate Corporate Social Consolidated Corporate Data
& Analysis on Company Governance Responsibility Financial Statements
Performance
21
Penghargaan 2013 2013 Awards
1 2
Penghargaan “Acquirer Bank With The Highest

Transaction Volume For Regional bank Category Penghargaan “Pelaporan LHKPN tahun 2013”,
in 2013” Diberikan oleh PT Rintis Sejahtera diberikan oleh Komisi Pemberantasan Korupsi
Tanggal 29 Oktober 2013. (KPK) pada tanggal 9 Desember 2013.
The “Acquirer Bank With The Highest The “Reporting LHKPN 2013”, awarded by the
Transaction Volume For Regional bank Category Corruption Eradication Commission (KPK) on
in 2013” award from PT Rintis Sejahtera on December 9, 2013.
October 29, 2013.
3 4
Penghargaan “ Pelaporan Gratifikasi

Penghargaan “ Call Center Award 2013 for Terbanyak tahun 2013”, diberikan oleh Komisi
Service Excellence”, diberikan oleh Contact Pemberantasan Korupsi (KPK) pada tanggal 9
Center Service Excellence Award. Desember 2013.
“Call Center Award 2013 for Service “Most Reports on Gratification Award
Excellence” given by Contact Center Service in 2013”, by the Corruption Eradication
Excellence Award. Commission (KPK) on December 9, 2013.
5 6
Penghargaan “ Indonesia Banking Award, Best

Penghargaan “ Sangat Bagus Atas Kinerja Performance Banking 2013”, diberikan oleh
Perusahaan tahun 2013”, diberikan oleh Tempo Media Group.
InfoBank pada tanggal 5 Juli 2013.
“Indonesian Banking Award, Best Performance
“Excellent Company Performance 2013”, Banking 2013”, awarded by Tempo Media
awarded by Infobank on July 5, 2013. Group.
22 Kriteria ARA No. IV.15

7 8
Introduction
Penghargaan “Regional Strategic Partner Penghargaan “Bandung Service Excellence
2013”, diberikan oleh Jamsostek. Award 2013”. Diberikan oleh MarkPlus Inc
pada tanggal 29 Oktober 2013.
“Regional Strategic Partners 2013”, awarded
by Jamsostek. “Bandung Service Excellence Award 2013”.
Awarded by MarkPlus Inc. on October 29,
Performance
2013.
Good Corporate
Governance
Corporate Social
Responsibility
Consolidated
Corporate Data
23
Ikhtisar Keuangan Financial Highlights
Dalam Jutaan Rupiah. Angka-angka pada seluruh tabel dan grafik menggunakan notasi Indonesia. In millions of Rupiah. Numerical notations in all tables and graphs are in Indonesian.
No Uraian 2009 2010 2011 2012 2013 Description

A Jumlah Aset 32.457.004 43.445.700 54.448.658 70.840.878 70.958.233 Total Assets
B Penyaluran Dana 29.239.394 38.866.243 47.947.663 62.088.799 61.847.902 Credit
1. Kredit yang diberikan (termasuk kredit
19.631.968 23.669.719 28.764.701 38.332.712 48.902.340 Disbursed Loans
bank lain)
2. Penempatan pada Bank Lain 6.944.571 12.748.488 7.780.905 8.013.850 2.629.337 Placement with Other Banks
3. SSB termasuk SBI 2.628.916 2.412.822 3.972.149 4.142.992 10.291.810 Securities including B I Certificates
4. Reverse repo - - 7.394.694 11.567.261 - Reverse repo
5. Penyertaan 33.939 35.214 35.214 31.984 24.415 Placements
C Penghimpunan Dana 27.797.316 37.065.628 47.258.455 58.574.543 61.209.590 Funding

C.1. Dana Pihak Ketiga 23.718.912 31.953.462 39.042.777 50.607.925 49.996.607 Third Party Funds
1. Giro 8.272.288 7.610.327 11.168.241 14.828.830 16.735.445 Current Accounts
2. Tabungan 3.802.574 4.876.716 6.270.783 9.050.286 12.210.581 Savings
3. Deposito 11.644.050 19.466.419 21.603.753 24.365.828 21.050.581 Time Deposits
C.2. Dana Lainnya 4.078.404 5.112.166 8.215.678 10.941.680 11.212.983 Other Funding
1. Simpanan Dari Bank Lain 2.323.050 3.353.645 5.298.687 6.392.634 5.513.962 Deposits from Other Banks
2. Obligasi yang diterbitkan 1.744.253 1.745.936 2.742.993 2.395.091 2.396.611 Bonds issued
3. Repo 1.744.253 1.745.936 2.742.993 1.922.795 2.978.073 Bonds issued
3. Pinjaman yang diterima 11.101 12.585 173.998 231.160 324.337 Borrowings
D Ekuitas 3.138.218 4.990.993 5.387.099 6.008.840 6.718.265 Equity

D.1. Modal Dasar 1.812.154 2.424.073 2.424.073 2.424.073 2.424.073 Paid-up 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 566.449 572.349 572.349 572.349 572.349 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 Initial Public Offering (IPO)–Go Public
Premium on share Capital - Net of Share
Agio Saham - - 823.423 823.423 823.423
Issuance Cost
Kepentingan non-pengendali - 5.054 12.457 33.687 34.045 Non Controlling Interest
D.2. Saldo Laba 1.326.064 1.743.497 2.127.146 2.727.657 3.436.725 Retained Earnings
E Modal Bank 2.855.553 4.207.265 4.535.765 4.572.375 5.340.417 Bank Capital

1. Modal Inti 2.704.134 4.278.130 4.551.623 4.650.062 5.350.343 Core Capital
2. Modal Pelengkap 151.420 (70.865) (15.858) (77.687) (9.926) Supplementary Capital
3. Penyertaan ( - / - ) - - - - - Investments (- / -)
Aktiva Tertimbang Menurut Risiko

F 13.471.096 15.752.880 19.939.939 19.511.884 28.782.172 Risk Weighted Assets
(ATMR)
Earning Asset Quality
G Kualitas Aktiva Produktif (termasuk SBI) 31.872.177 37.519.890 45.938.735 59.101.812 65.381.249
(include SBI)
1. Lancar 31.289.487 36.845.094 45.029.998 57.299.810 61.759.048 Current
2. Dalam Perhatian Khusus 183.986 258.640 571.126 1.049.922 2.147.548 Special Mention
3. Kurang Lancar 188.216 35.211 67.221 163.356 197.197 Substandard
4. Diragukan 30.259 68.618 66.039 118.598 263.231 Doubtful
5. Macet 180.229 312.327 204.351 470.126 1.014.225 Loss
H Laba (Rugi) Profit (Loss)

1. Pendapatan Bunga 3.944.548 4.894.312 5.977.050 6.795.686 8.132.989 Interest Income
2. Beban Bunga (1.841.510) (2.254.731) (2.915.841) (3.140.311) (3.350.845) Interest Expense
3. Pendapatan Bunga Bersih 2.103.038 2.639.581 3.061.209 3.655.375 4.782.144 Net Interest Income
4. Pendapatan Operasional Lainnya 262.083 306.401 240.168 330.362 457.258 Other Operating Income
5. Beban Operasional Lainnya (1.410.138) (1.755.444) (2.026.483) (2.566.496) (3.487.471) Other Operating Expense
6. Pendapatan (Beban) Operasional
(954.983) (1.190.538) 1.274.894 1.419.241 1.751.931 Other Operating Income (expense)
Lainnya
7. Pendapatan Non Operasional 40.601 42.316 60.171 112.185 27.497 Non Operating Income
8. Beban Non Operasional (10.207) (13.226) (15.249) (18.927) (26.554) Non Operating Expense
9. Laba Sebelum Pajak 985.377 1.219.628 1.319.816 1.512.499 1.752.874 Income Before Tax
10. Pajak (276.271) (329.403) (357.121) (319.195) (376.487) Tax
24 Kriteria ARA No. II.1-2

No Uraian 2009 2010 2011 2012 2013 Description
11. Laba Bersih 709.106 890.225 962.695 1.193.304 1.376.387 Net Income
12. Laba Sebelum Hak Minoritas 709.106 890.225 962.696 1.193.304 1.376.387 Profit before Minority
13. Hak Minoritas atas Laba Rugi Anak Minority for Profit Loss Subsidiaries
- 54 435 620 3.474
Perusahaan Yang Dikonsolidasikan Consolidated
14. Total Laba (Rugi) Komprehensif 709.106 890.225 962,695 1.193.204 1.376.387 Total Profit (Loss) Comprehensive
15. Jumlah laba (rugi) yang dapat Total income (loss) attributable to:
diatribusikan kepada:
709.106 890.171 962,261 1.192.684 1.372.913
- pemilik entitas induk - owners of the parent
- kepentingan non pengendali - 54 435 620 3.474 - non-controlling interests
Introduction
Total 709.106 890.225 962.696 1.193.304 1.376.387 Total
16. Jumlah laba (rugi) komprehensif yang Total profit (loss) comprehensive
dapat diatribusikan kepada: attributable to:
- pemilik entitas induk 709.106 890.171 962.261 1.192.684 1.372.913 - owners parent entity
- kepentingan non pengendali - 54 435 620 3.474 - non-controlling interests
Total 709.106 890.225 962.696 1.193.304 1.376.987 Total
17. Laba (Rugi) Per Saham 113,75 105,54 99,24 123,00 141,59 Profit (Loss) Per Share
Performance
I RASIO-RASIO KEUANGAN (%) Financial Ratio (%)
I.1 RASIO KINERJA Performance Ratio
CAR 21,20 22,85 18,36 18,11 16,51 CAR
ROA 3,24 3,15 2,65 2,46 2,61 ROA
ROE 28,09 24,95 21,00 25,02 26,73 ROE
NIM 7,63 7,32 6,89 6,44 7,96 NIM
NPL GROSS 1,97 1,86 1,21 2,07 2,83 NPL GROSS
Good Corporate
Governance
NPL NET 0,76 0,29 0,41 0,50 0,64 NPL NET
BOPO 77,30 76,60 80,02 79,31 79,41 BOPO
LDR 82,47 71,54 72,95 74,09 96,47 LDR
I.2 ASET PRODUKTIF BERMASALAH
Non-Performing EaRNING Assets TO
TERHADAP TOTAL ASET 1,25 1,11 0,73 1,27 2,21
Total Earning Assets (%)
PRODUKTIF (%)
I.3 ASET TETAP TERHADAP MODAL 30,81 20,45 23,22 25,22 22,01 FixED Assets To Capital
Corporate Social
Responsibility
Kredit yang Pendapatan Laba
diberikan +25,16% Bunga Bersih +30,82% Bersih +15,34%
Rp juta Rp juta Rp juta
Disbursed Loans 48.902.340 Net Interest Income 4.782.144 Net Income 1.376.387
Rp million Rp million Rp million
1.193.304
38.332.712 3.655.375
890.225
2.639.581 962.695
Consolidated
23.669.719 3.061.209
28.764.701
709.106
2.103.038
19.631.968
2009 2010 2011 2012 2013 2009 2010 2011 2012 2013 2009 2010 2011 2012 2013
Corporate Data
CAR NIM BOPO

% -1,6% % +1,52% % +0,1%
CAR NIM BOPO
% % %
22,85 7,96 79,31 80,02 79,41
21,20 7,63 77,30
7,32
6,89
18,11 18,36
76,60
16,51
6,44
2009 2010 2011 2012 2013 2009 2010 2011 2012 2013 2009 2010 2011 2012 2013
Kriteria ARA No. II.3 25

Ikhtisar Saham Stock Highlights
Informasi harga saham per bulan 2013 di BEI

Monthly price of shares 2013 In IDX
1.600 250
Volume Price
1.500
(RHS) (RHS)
1.400 200
1.300
1.200 150
1.100
1.000 100
900
800 50
700
600 0
1
3
11
12
13
11
12
13
11
12
13
-1
-1
-1
c-
c-
c-
p-
p-
p-
n-
n-
n-
ar
ar
ar
De
De
De
Se
Se
Se
Ju
Ju
Ju
M
Informasi harga saham periode 2013

Monthly Share Price 2013
Tahun Triwulan I /Q1 Triwulan II/Q2 Triwulan III/Q3 Triwulan IV/Q4 Year
Tertinggi Highest
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
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
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

Volume Peredaran di Pasar Reguler (in thousands unit)
Reguler (dalam ribuan unit)
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 bank bjb di Bursa Efek Indonesia selama Tahun 2013 mencapai Rp 9.696.291.000.000.
Market Capitalization of bank bjb at Indonesia Stock Exchange amounted to Rp 9,696,291,000,000.
26 Kriteria ARA No. II.4, II.4.2, II.4.1.a,b,c,d

Sebelum Penawaran Umum / Before Public Offering Sesudah Penawaran Umum / After Public Offering
Nilai Nominal Rp 250,00 per saham

Nominal Value Rp 250,00 per share
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 2.400.000.000.000 9.600.000.000 2.400.000.000.000 A Series
Seri B 6.400.000.000 1.600.000.000.000 6.400.000.000 1.600.000.000.000 B Series
Introduction
Jumlah Modal Dasar 16.000.000.000 4.000.000.000.000 16.000.000.000 4.000.000.000.000 Total Basic Capital
Modal Ditempatkan dan Issued and Fully Paid

Disetor Penuh Capital
Seri A A Series
Pemerintah Provinsi Jawa 3.709.994.733 927.498.683.250 51,02% 3.709.994.733 927.498.683.250 38,26% West Java Provincial
Barat Government
Performance
Pemerintah Kota Kabupaten 2.289.395.681 572.348.920.250 31,48% 2.289.395.681 572.348.920.250 23,61% West Java Local Govern-
Se Jawa Barat ments
Pemerintah Provinsi Banten 520.589.856 130.147.464.000 7,16% 520.589.856 130.147.464.000 5,37% Banten Provincial
Government
Pemerintah Kota Kabupaten 752.238.396 188.059.599.000 10,34% 752.238.396 188.059.599.000 7,76% Banten Local Governments
Se Banten
Total Saham Seri A 7.272.218.666 1.818.054.665.500 100,00% 7.272.218.666 1.818.054.666.500 75,00% Total Shares Series A
Good Corporate
Seri B B Series
Governance
Umum - - - 2.393.470.000 598.367.500.000 24,68% Public
Karyawan dan Manajemen - - - 30.602.500 7.650.625.000 0,32% Employees and

(Program EMSA) Management
Total Saham Seri B - - - 2.424.072.500 606.018.125.000 25,00% Total Shares Series B
Jumlah Modal - - - 9.696.291.166 2.424.072.791.500 100,00% Issued and Fully Paid

Ditempatkan dan Disetor Capital
Corporate Social
Responsibility
Penuh
Jumlah Saham Dalam 8.727.781.334 2.181.945.333.500 6.303.708.834 1.575.927.208.500 Total Shares in Portepel
Portepel
Seri A 2.327.781.334 581.945.333.500 2.327.781.334 581.945.333.500 Series A
Seri B 6.400.000.000 1.600.000.000.000 3.975.927.500 993.981.875.000 Series B
Kepemilikan Saham yang Mencapai > 5% per Desember 2013
Share Ownership More Than 5% as of December, 2013 Consolidated
Harga Penutupan %
Saham Nominal
No Nama Closing Price Kepemilikan Name
Share (Rp 250)
(Rp 890) Shareholders
1 Pemda Provinsi Jawa Barat 3.709.994.733 927.498.683.250 3.301.895.312.370 38,26 West Java Provincial
Government
Corporate Data
2 Pemda Kabupaten Bandung 680.906.967 170.226.741.750 606.007.200.630 7,02 Bandung Municipal

Government
3 Pemda Provinsi Banten 520.589.856 130.147.464.000 463.324.971.840 5,37 Banten Provincial Government
Kepemilikan Saham < 5% per Desember 2013

Share Ownership Less Than 5% as of December, 2013
Harga Penutupan %
Jumlah Pemegang Saham Nominal
Closing Price Kepemilikan Number of Shareholders
Saham Share (Rp 250)
(Rp 890) Shareholders
8.208 4.784.799.610 1.196.199.902.500 4.258.471.652.900 49,35 8.208
Kriteria ARA No. V.4, IV.9.1, IV.9.3 27

Ikhtisar Saham Stock Highlights
Kepemilikan Saham Komisaris dan Direksi per Desember 2013

Share Ownership by Top Management as of December, 2013
Harga Penutupan %
Nama saham Nominal
No Closing Price Kepemilikan Status
Name share (Rp 250)
(Rp 890) Shareholdings
1 MUHADI 2.341.500 585.375.000 2.083.935.000 0,024 Komisaris/Commissioner
2 BIEN SUBIANTORO IR MM MBA 757.500 189.375.000 1.618.020.000 0,019 Direksi/Director
3 ARIE YULIANTO 333.000 83.250.000 296.370.000 0,003 Direksi/Director
Obligasi
Bonds
Tanggal
Nominal Tingkat Bunga
Obligasi Seri Jangka Peringkat Efektif Jatuh Tempo
No (Rp juta) per tahun
Bond Series Waktu / Period Rating Bapepam/ Due Date
Rp million Interest per year (%)
Effective Date
Obligasi VI bank bjb Tahun
2009 Seri B
1 Rp 400.000,- 12,50 5 tahun/year idAA- 30-6-2009 10-07-2014
Bond VI bank bjb B Series
Year 2009
Obligasi VII bank bjb Tahun
Seri A
2 2011 Rp 276.000,- 9,20 3 tahun/year idAA- 31-01-2011 09-02-2014
A Series
Bond VII bank bjb Year 2011
Seri B Rp 601.000,- 10,20 5 tahun/year idAA- 31-01-2011 09-02-2016
B Series
Seri C Rp 1.123.000,- 10,40 7 tahun/year idAA- 31-01-2011 09-02-2018
C Series
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
Actual Use of Funds Planned Use of Funds According to the Prospectus Actual Use of Funds Sisa Dana
Jenis Hasil
Penawaran Umum Jumlah Hasil Biaya Ekspansi Ekspansi Ekspansi Ekspansi Penawaran
No. Public Offering Tanggal Penawaran Penawaran Ekspansi Jaringan Teknologi Ekspansi Jaringan Teknologi Umum
Type Efektif Umum Umum Hasil Bersih Kredit Kantor Informasi Total Kredit Kantor Informasi Jumlah Remaining
Effective Date Amount Cost of Net Result Expansion of Expansion Expansion of Total Expansion of Expansion Expansion of Total Proceeds From
of Public Public Loan of Branch Information Loan of Branch Information Public Offering
Offering Offering Network Technology Network Technology
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15
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 75.707 1.362.203 67.237
(IPO) Public Offering
Jumlah
1.454.444 25.003 1.429.441 1.143.553 142.944 142.944 1.429.441 1.143.553 142.944 75.707 1.362.203 67.237
Total
*) 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
28 Kriteria ARA No. V.9.2, II.5,1,2,3,4, V.13

Informasi bagi Investor Information for Investors
Komposisi saham per akhir Desember 2013, Pemerintah Jawa Barat Share composition as at end of December, 2013, were that
dan Banten memiliki saham seri A dan sedangkan lainnya merupakan governments in West Java and Banten owned Series A shares while
saham seri B yang dikeluarkan kepada publik pada tanggal 8 Juli the remaining Series B shares were issued to the public on July 8,
2010 melalui Initial Public Offering (IPO). 2010 through the Initial Public Offering (IPO).
Struktur pemegang saham bank bjb terdiri dari Pemerintah Provinsi The structure of the bank bjb shareholders consists of
Jawa Barat, Pemerintah Provinsi Banten, Pemerintah Kota/Kabupaten the Government of West Java Province, the Government of Banten
se-Jawa Barat, Pemerintah Kota/Kabupaten se-Banten yang memiliki Province; governments of cities and counties (regencies) of West
seluruh saham seri A, sedangkan seri B merupakan saham yang Java Province; and governments of cities and counties (regencies) of
dilepas ke publik sebanyak 25% dari total saham. Saham seri A Banten Province holding Series A shares, while 25% of all shares
Introduction
dan seri B memiliki hak, namun demikian pemegang saham seri A are Series B shares and were released to the public. Series A shares
tetap memiliki fungsi kontrol yang kuat dalam hal pengangkatan/ and Series B have rights; however, shareholders of Series A have
pemberhentian Dewan Komisaris dan Direksi, perubahan Anggaran control functions in terms of appointment / dismissal of members
Dasar, penggabungan, peleburan dan pengambilalihan serta of the Boards of Commissioners and Directors, amendments to the
pembubaran dan likuidasi Perusahaan. Articles of Association, mergers, consolidations & acquisitions, and
dissolution or liquidation of the Company.
Performance
Saham seri A adalah saham yang tidak aktif diperdagangkan (dimiliki Series A Shares are not actively traded (owned by governments),
oleh Pemda), sedangkan saham seri B adalah saham yang aktif while B Series shares are actively traded on the stock market (free
diperdagangkan di bursa (free float). Pemegang saham seri A dapat float). Owners of A Series shares are allowed to buy Series B shares
membeli saham seri B, namun pemegang saham seri B tidak bisa while Series B shareholders are not allowed to buy A Series shares
membeli saham seri A sebelum mendapat persetujuan dari RUPS before getting approval at the General Meeting of Shareholders for
Good Corporate
Governance
mengenai pelepasan saham seri A. releasing any Series A shares.
Saham seri B diperjual belikan sesuai harga pasarnya yang bersifat Series B shares are traded according to market price volatility.
volatil.
Komposisi Kepemilikan Saham Per Desember 2013
Corporate Social
Responsibility
Composition of share ownership as of December, 2013
% Kepemilikan
Jumlah Saham
No. Pemegang Saham % Share Shareholders
Number of Shares
Ownership
Des-13 (%)
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% City & Regency Government - West Java Consolidated
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
Corporate Data
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
Pemerintah Kabupaten se - Jawa Barat 1.718.518.725,00 17,72% Regency 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
Kriteria ARA No. IV.9 29

% Kepemilikan
Jumlah Saham
No. Pemegang Saham % Share Shareholders
Number of Shares
Ownership
5 Kabupaten Tasikmalaya 130.953.800,00 1,35% Tasikmalaya Regency
6 Kabupaten Sukabumi 83.000.000,00 0,86% Kabupaten Sukabumi
7 Kabupaten Subang 42.926.558,00 0,44% Kabupaten Subang
8 Kabupaten Indramayu 84.047.907,00 0,87% Kabupaten Indramayu
9 Kabupaten Bekasi 73.550.504,00 0,76% Kabupaten Bekasi
10 Kabupaten Sumedang 46.052.684,00 0,47% Kabupaten Sumedang
11 Kabupaten Bogor 193.458.066,00 2,00% Kabupaten Bogor
12 Kabupaten Cianjur 102.416.760,00 1,06% Kabupaten Cianjur
13 Kabupaten Kuningan 27.508.120,00 0,28% Kabupaten Kuningan
14 Kabupaten Majalengka 35.462.669,00 0,37% Kabupaten Majalengka
15 Kabupaten Garut 26.366.698,00 0,27% Kabupaten Garut
16 Kabupaten Purwakarta 51.219.171,00 0,53% Kabupaten Purwakarta
C Pemerintah Propinsi Banten 520.589.856,00 5,37% Provincial Government of Banten
D Pemerintah Kota & Kab. se - Banten 752.238.396,00 7,76% City & Regency Government - Banten
Pemerintah Kota se - Banten 177.503.394,00 1,83% City Government - Banten

1 Kota Tangerang 119.503.394,00 1,23% Tangerang City
2 Kota Cilegon 58.000.000,00 0,60% Cilegon City
Pemerintah Kabupaten se - Banten 574.735.002,00 5,93% Regency Government - Banten

1 Kabupaten Serang 144.311.251,00 1,49% Serang Regency
2 Kabupaten Tangerang 289.306.189,00 2,98% Tangerang Regency
3 Kabupaten Lebak 35.899.154,00 0,37% Lebak Regency
4 Kabupaten Pandeglang 105.218.408,00 1,09% Pandeglang Regency
Total Saham Yang Dimiliki Pemda 7.272.218.666,00 75,00% Total Shares Held By Local Governments
Total Saham Yang Dimiliki Publik 2.424.072.500,00 25,00% Total Shares Held By Public
TOTAL 9.696.291.166,00 100,00% TOTAL
Struktur Saham bank bjb periode 31 Desember 2013

bank bjb’s Share Structure period December 31, 2013
bjb
Pemerintah Pemerintah Pemerintah Pemerintah Lokal Lokal Perorangan Institusi

Provinsi Jawa Kota/Kabupaten Provinsi Banten 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% 3,90% 6,06% 0,01% 1,78%
30 Kriteria ARA No. VI.6

Komposisi Saham Pemerintah Daerah Komposisi Saham Lokal dan Asing
dan Publik Composition of Share Domestic and Foreign
Composition of Share Local Government and Public
14,79%
25%
Pemda
Lokal
Local Government
75% 85,21%
Domestic
Publik Asing
Introduction
Public Foreign
75% 85,21%
Komposisi Kepemilikan Saham berdasarkan golongan per Desember 2013
Performance
Composition of share – Public ownership as of December, 2013
Komposisi Pemilikan Saham % Composition of Share Ownership
Lokal 85,21% Domestic
Asing 14,79% Foreign
Good Corporate
Governance
Jumlah Pemegang Saham Jumlah Saham % Pemilikan
Status Pemilik Ownership Status
Number of Shareholders Number of Shares % Ownership
Pemodal Nasional National Investors
Perorangan Indonesia 7.261 378.472.359 3,90 Individuals, Domestic
Pemerintah Daerah 33 7.272.218.666 75,00 Local Governments
Karyawan 487 23.757.000 0,25 Employees
Corporate Social
Responsibility
Koperasi 3 9.243.500 0,09 Cooperatives
Yayasan 13 15.702.500 0,16 Foundations
Dana Pensiun 81 172.230.500 1,78 Pension Funds
Asuransi 18 74.654.500 0,77 Insurance
Perseroan Terbatas 51 35.018.953 0,36 Limited Companies
Reksa Dana 37 281.014.500 2,90 Mutual Funds
Consolidated
Sub Total 8.262.312.478 85,21 Sub Total
Pemodal Asing Foreign Investors
Perorangan Asing 25 1.327.000 0,01 Individuals, Foreign
Badan Usaha Asing 199 1.432.651.688 14,78 Institutions, Foreign
Sub Total 1.433.978.688 14,79 Sub Total
TOTAL 9.696.291.166 100,00 TOTAL
Corporate Data
31
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 Bandung Hotel Hilton Bandung, Jl. HOS. Tjokroaminoto No. 41-43, Bandung
40172. 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 Banten, Shareholders of PT Bank Pembangunan Daerah Jawa Barat and
Tbk. Nomor 26 tanggal 21 April 2010 yang telah diberitahukan Banten, Tbk. No. 26 dated April 21, 2010 which was notified to
dengan Keputusan Menteri Hukum dan Hak Asasi Manusia the Ministry of Justice and Human Right of Republic of Indonesia
Republik Indonesia sebagaimana dimaksud dalam Surat Penerimaan as evidenced by letter of official receipt No. AHU-AH.01.10.10983
Pemberitahuan Nomor: AHU-AH.01.10-10983 tanggal 6 Mei 2010, dated May 6, 2010, decided:
dalam RUPS telah diputus:
a) Dengan suara bulat secara musyawarah untuk mufakat a) Re-approval of IPO process for 2010 by unanimous vote
memutuskan menyetujui dijadwalkan kembali proses IPO pada
tahun 2010
b) Pasal 5 mengatur antara lain Saham bank bjb terdiri dari Saham b) Shares are divided into Series A shares (owned by the Central,
Seri A (yang Khusus dimiliki Pemerintah Pusat, Pemerintah Provincial, City and District Governments) and Series B Shares
Propinsi, Kota dan Kabupaten) dan Saham Seri B (yang dapat (owned by the Directors, Board of Commissioners, bank bjb
dimiliki oleh Direksi, Dewan Komisaris, Karyawan bank bjb, Employees, the public and government). Series A and Series B
masyarakat dan pemerintah) Pemegang saham seri A dan B shares have the same rights.
mempunyai hak yang sama.
c) Komposisi besaran modal untuk seluruh saham yang ditempatkan c) The composition of the capital amount for all issued shares was
adalah 100% dengan ketentuan batas maksimum saham seri B 100% with a maximum provision of Series B shares was 40%
adalah 40% dan selebihnya merupakan saham seri A. with the remainder Series A.
Kronologis Pencatatan Saham Chronological of Share Listing

Dicatat dengan kode BJBR Recorded with code BJBR
a. Dimulai dengan pernyataan Efektif Bapepam dan LK pada a. Registration at Bapepam-LK (Indonesia Capital Market &
tanggal 29 Juni 2010. Financial Institution Supervisory Agency) with effective date June
29, 2010.
b. Harga ditetapkan di Rp 600,- per lembar. b. Nominal value of shares are set at Rp 600.
c. Listing pada tanggal 8 Juli 2010 dan langsung mengalami auto c. Listings on July, 8 2010 immediately experienced auto reject at
reject menjadi Rp 900,- Rp 900.
d. Dicatatkan di Bursa Efek Indonesia d. Listed at Indonesia Stock Exchange
e. Hingga tahun 2013 tidak terdapat tindakan korporasi yang e. Until 2013, there is no corporate action that cause changes in
menyebabkan perubahan jumlah saham. the number of shares, until 2013.
Obligasi bank bjb Yang Masih Beredar Outstanding bank bjb bonds
1. Obligasi VII bank bjb Tahun 2011 dengan jumlah pokok obligasi 1. Bond VII bank bjb of 2011 with a total nominal value of
sebesar Rp 2.000.000.000.000,- (dua triliun Rupiah). Peringkat Rp 2,000,000,000,000,- (two trillion Rupiah) IdAA- from
idAA- dari Pefindo, terdiri dari: Pefindo:
• Seri A dengan nilai nominal sebesar Rp 276.000.000.000,- • Series A with nominal value of Rp 276,000,000,000 (two
(dua ratus tujuh puluh enam miliar Rupiah), obligasi ini hundred and seventy six billion Rupiah), these bonds have
memiliki tingkat suku bunga tetap sebesar 9,20% per tahun interest rates fixed of 9,20% per annum and will mature on
yang akan jatuh tempo pada tanggal 9 Februari 2014. February 9, 2014.
• Seri B dengan nilai nominal sebesar Rp 601.000.000.000,- • Series B with nominal value of Rp 601,000,000,000 (six
(enam ratus satu miliar Rupiah). Obligasi ini memiliki tingkat hundred and one billion Rupiah). These bonds have a fixed
bunga tetap sebesar 10,20% per tahun yang akan jatuh interest rate of 10.20% per annum and will mature on
tempo pada tanggal 9 Februari 2016. February 9, 2016.
• Seri C dengan nilai nominal sebesar Rp 1.123.000.000.000,- • Series C with nominal value of Rp 1,123,000,000,000 (one
(satu triliun seratus dua puluh tiga miliar Rupiah). Obligasi trillion and one hundred twenty three billion Rupiah). These
ini memiliki tingkat bunga tetap sebesar 10,40% per tahun bonds have a fixed interest rate of 10.40% per annum and
yang akan jatuh tempo pada tanggal 9 Februari 2018. will mature on February 9, 2018.

2. Obligasi VI bank bjb Tahun 2009 Dengan Tingkat Bunga Tetap yang 2. Bond VI bank bjb in 2009 with Level Fixed Interest with a nominal
terdiri dari Seri A dan Seri B dengan jumlah pokok obligasi sebesar early issuing value of Rp750,000,000,000 (seven hundred and
Rp750.000.000.000,- (tujuh ratus lima puluh miliar Rupiah) fifty billion Rupiah) ranked idAA- from Pefindo and still active:
Peringkat idAA- dari Pefindo dan yang masih aktif: • Series B with nominal value Rp400,000,000,000 (four
• Seri B dengan nilai nominal sebesar Rp400.000.000.000,- hundred billion Rupiah). These bonds have a fixed interest
(empat ratus miliar Rupiah). Obligasi ini memiliki tingkat rate of 12.50% per annum, payable every 3 (three) months,
bunga tetap sebesar 12,50% per tahun, yang dibayarkan with a term of 5 (five) years and will mature on July 10,
setiap 3 (tiga) bulan, dengan jangka waktu 5 (lima) tahun 2014.
dan akan jatuh tempo pada tanggal 10 Juli 2014.
Introduction
Hubungan Investor Investor Relations
Hubungan Investor (IR) adalah tanggung jawab manajemen strategis Investor Relations (IR) is a strategic management responsibility that
yang mengintegrasikan keuangan, komunikasi, pemasaran dan integrates finance, communication, marketing and legal compliance
kepatuhan hukum selain memungkinkan komunikasi dua arah in addition to allowing two-way communication between companies,
antara perusahaan, masyarakat dan konstituen lain. Dibentuk sejak communities and other constituencies. Formed in July 2010, the
Juli tahun 2010, Grup Hubungan Investor yang merupakan bagian Coordinator of the Investor Relations Group, which is part of the
Performance
dari Divisi Corporate Secretary bank bjb telah menjadi jembatan Bank’s Corporate Secretary Division, is a bridge between Bank
antara manajemen bank bjb dengan investor dan analis dalam management and investors. Bank bjb seeks to enhance corporate
memperoleh informasi tentang bank bjb. Bank bjb berupaya untuk transparency and disclosure through the function of Investor
meningkatkan transparansi dan pengungkapan perusahaan melalui Relations. In connection with the implementation of GCG and the
fungsi Hubungan Investor. Berkaitan dengan penerapan GCG dan principles of openness and transparency on all material Company
prinsip keterbukaan serta transparansi terhadap seluruh aktivitas activities, Investor Relations strives to provide good information
Good Corporate
Governance
perusahaan terutama yang bersifat material, Hubungan Investor quickly, accurately and timely for better understanding of Company
berusaha memberikan yang terbaik bagi pengguna informasi secara performance and in terms of investment decisions.
cepat, akurat dan tepat waktu yang berdampak pada pemahaman
yang lebih baik akan kinerja perusahaan serta dalam hal pengambilan
keputusan berinvestasi.
Corporate Social
Grup Hubungan Investor memperkenalkan bank bjb kepada The Investor Relations Group introduces bank bjb to local markets
Responsibility
komunitas pasar modal dengan melakukan rangkaian komunikasi by conducting communication sessions with shareholders. To apply
dengan para pemegang saham. Untuk menerapkan prinsip the principles of openness and transparency of all material Company
keterbukaan dan transparansi terhadap setiap aktivitas Perusahaan activities, the Investor Relations Group conveys information in a
terutama yang bersifat material, Grup Hubungan Investor timely and balanced way through various communication channels
menyampaikan informasi secara tepat waktu dan seimbang melalui such as email, websites and conference calls. To fulfil the obligations
berbagai sarana komunikasi seperti email, situs web dan conference of disclosing information to the public, Investor Relations is always
Consolidated
call. Untuk memenuhi kewajiban keterbukaan informasi kepada doing both routine and incidental reporting to Indonesia Financial
Publik, hubungan investor senantiasa melakukan pelaporan baik Services Authority (OJK) and the Indonesia Stock Exchange as capital
rutin maupun insidential kepada Otoritas Jasa Keuangan (OJK) market authorities. In addition, forums with analysts and investors
dan Bursa Efek Indonesia sebagai Otoritas Pasar Modal. Selain itu, through public meetings, analyst meetings, conference calls, analyst
juga dilakukan forum-forum pertemuan dengan analis dan investor visits, on-site visits, participation in conferences and non-deal road
melalui pertemuan publik, temu analis, conference call, kunjungan shows are conducted.
Corporate Data
analis, kunjungan lapangan, partisipasi dalam konferensi, non deal

roadshow.
33
Kegiatan Hubungan Investor selama tahun 2013

Investor Relations Activities during 2013
OJK/Indonesia Financial Services Authority
OJK (Otoritas Jasa Keuangan) dahulu Bapepam-LK 119
formerly Bapepam-LK
BEI 119 BEI
Temu Analis/Investor pada Conference/Corporate Day 76 Analyst Meeting/Conference/Corporate Day
Temu Analis/Investor (one on one) 53 (one on one) Analyst
Conference Call 21 Conference Call
Site Visit 11 Site Visit
RUPS 1 GMS
Public Expose 1 Public Expose
Analyst Meeting 4 Analyst Meeting
Temu Investor pada Non Deal Roadshow 16 Investor Meeting on Non Deal Roadshow
Kebijakan Pembagian Dividen Dividends Policy

Berdasarkan Anggaran Dasar PT Bank Pembangunan Daerah Dividends will be paid according to resolution of an Annual General
Jawa Barat dan Banten, Tbk. jumlah dividen yang dibagikan Meeting of Shareholders, taking into consideration existing legislation
yang berasal dari laba bersih yang besarannya ditetapkan and regulations. The decision to pay dividends depends on earnings,
dalam keputusan RUPS Tahunan dengan memperhatikan financial condition, liquidity, compliance with laws and regulations
peraturan perundang-undangan yang berlaku. Keputusan untuk and other factors deemed relevant by the Board of Directors after
membayarkan dividen tergantung pada laba, kondisi keuangan, obtaining approval from the next Annual General Meeting of
likuiditas kepatuhan terhadap peraturan perundang-undangan Shareholders.
dan faktor-faktor lain yang dianggap relevan oleh Direksi bank bjb
setelah memperoleh persetujuan RUPS.
Berdasarkan hasil keputusan RUPS Tahunan Tahun Buku 2012 yang Based on the result of the 2012 Annual General Meeting of
diselenggarakan pada tanggal 25 Maret 2013 lalu, jumlah dividen Shareholders held on March 25, 2013, the amount of final dividends
yang dibagikan tahun 2013 adalah sebesar 56,00% dari Laba Bersih distributed in 2013 amounted to 56.00% of the net profit for the
Tahun Buku 2012. Pembagian Dividen ini telah diumumkan tanggal year 2012. The dividen payment was announced on April 25, 2013.
25 April 2013.
Dividen yang telah dibayarkan oleh bank bjb dan Dividen of Payout Ratio
selama 6 tahun terakhir
Bank bjb’s Cash Dividend and Dividend Payout Ratio in last 6 years
Tahun Buku/for The Year Pemerintah/Government Publik/Public Total Payout Ratio Dividen per Lembar Saham/
Dividend per Shares
2013 567.960.277.815 189.320.062.250 757.280.340.065 55,00% 78,10%
2012 497.883.069.805 165.960.996.659 663.844.066.464 56,00% 68,56%
2011 444.129.883.759 148.043.270.849 592.173.154.608 62,50% 61,07%
2010 433.958.178.660 144.652.703.027 578.610.881.686 65,00% 59,67%
2009 472.737.308.935 - 472.737.308.935 66,67% -
2008 370.485.343.964 - 370.485.343.964 68,33% -
34 Kriteria ARA No. V.11

Analis Coverage Coverage Analyst
Introduction
Performance
Good Corporate
Governance
Lembaga Penunjang Efek Supporting Security Institutions
Biro Administrasi Efek Share Registrar
Corporate Social
Responsibility
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
Auditor Independen Ernst & Young Independen Auditor Ernst & Young
Consolidated
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
Corporate Data
Pemeringkat Efek Rating Agency

PT Pemeringkat Efek Indonesia (Pefindo) PT Pemeringkat Efek Indonesia (Pefindo)
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

PRODUK & JASA PRODUCT & SERVICES
bank bjb merupakan salah satu Bank Umum milik Pemerintah Daerah bank bjb is one of the local government-owned commercial banks in
di Indonesia yang memiliki nasabah utama berupa perorangan, Indonesia which serves private customers, employees, cooperatives,
karyawan, koperasi, BUMD, BUMN, beserta institusi lainnya baik local enterprises, state enterprises, along with other institutions both
Pemerintah maupun swasta. governmental and private.
Sampai 31 Desember 2013, bank bjb memiliki 62 Kantor Cabang, As of December 31, 2013, bank bjb operated 62 branch offices,
304 Kantor Cabang Pembantu, 266 Kantor Kas, 107 Payment Point, 304 Sub Branch Offices, 266 Cash Offices, 107 Payment Points, 11
11 mobil kas dan 1.139 ATM. Mobile Cash units and 1,139 ATMs.
bank bjb telah memiliki nasabah simpanan sebanyak 5.425.354 pihak bank bjb has 5,425,354 depositing customers, consisting of retail
yang terdiri dari 85,13% nasabah ritel, 7,04% nasabah korporasi, customers 85.13%, corporate customers 7.04%, government
0,40% nasabah pemerintah dan nasabah institusional sebesar customers 0.40% and institutional funding 7.43%. Bank bjb has
7,43%. Selain itu bank bjb juga telah menyalurkan pinjamannya chanelled loans to 781,636 borrowers in the its operational areas.
kepada 781.636 debitur di seluruh daerah operasional bank bjb Comprising of consumer loan debtors (43.9%), Kredit Guna Bhakti
yang terdiri dari 43,9% debitur kredit konsumer, 40,2% debitur (KGB) debtors (40.2%), pension loan debtors (3.7%), and micro
kredit guna bhakti (KGB), 3,7% debitur kredit pensiun dan sebesar credit debtors (12.2%).
12,2% debitur kredit mikro.
Dalam mencapai visi, misi dan fungsinya, bank bjb melakukan To achieve its vision, mission and functions, bank bjb conducts the
kegiatan usaha yang meliputi: following business activities:
Penghimpunan Dana Funding

Penghimpunan dana yang dilakukan diarahkan kepada dana-dana Committed funding directed towards retail funds/individuals in
ritel/perorangan disamping mempertahankan nasabah korporasi addition to maintaining corporate customers as well as agencies and
maupun instansi dan departemen terkait. related departments.
Penghimpunan dana dilakukan melalui produk-produk sebagai Fund raising was done through the following products:
berikut:
Giro Current Account

• bjb Giro Rupiah • Rupiah bjb Current Account
• bjb Giro Valas • Foreign bjb Current Account
Tabungan Savings
• 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
Deposito Deposits
• bjb Deposito Berjangka • bjb Time Deposits
• bjb Deposito Suka-Suka • bjb Suka-Suka Deposits
• bjb Deposito Valas • bjb Foreign Deposits
• bjb Deposito On Call • bjb On Call Deposits
• bjb Deposito Diskonto • bjb Discount Deposits
36 Kriteria ARA No. IV.3.1,2

Penyaluran Dana Fund Distribution
Dalam rangka mendukung program Pemerintah untuk In order to support governments’ programs to improve the
meningkatkan ekonomi kerakyatan, maka penyaluran dana lebih national real economy, the distribution of funds was primarily
diarahkan kepada peningkatan kredit dan pembiayaan ritel yang aimed at the improvement of loans and retail financing to
memberikan multiplier effect kepada seluruh sektor usaha kecil provide a multiplier effect to the entire small business sector
dan penyaluran kredit program kepada debitur-debitur binaan and lending programs to supervised debtors whose prospective
yang prospektif dengan tetap mengatur kesesuaian penyaluran lending complies with incremental consumption and productive
kredit konsumtif dan produktif secara bertahap. Sedangkan growth. Funds that have not been channelled in the form of
untuk dana-dana yang belum tersalurkan dalam bentuk kredit loans are invested in Marketable Securities, taking into account
Introduction
dioptimalkan dalam bentuk penempatan dana dan pembelian liquidity, profitability and risk.
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. Kredit Umum 1. Commercial Loans
Performance
a. bjb Kredit Modal Kerja Umum (KMKU) a. bjb General Working Loan (KMKU)
b. bjb Kredit Investasi Umum (KIU) b. bjb General Investment Loan (KIU)
c. bjb Kredit Modal Kerja Konstruksi (KMKK) c. bjb Construction Loan (KMKK)
d. bjb Kredit Mikro Utama d. bjb Main Micro loan
e. bjb Kredit Cinta Rakyat e. bjb Cinta Rakyat Loan
2. bjb Kredit Resi Gudang 2. bjb Resi Gudang Loan
Good Corporate
Governance
3. bjb Kredit Guna Bhakti (KGB) 3. bjb Guna Bhakti Loan
4. bjb Kredit Koperasi Karyawan 4. bjb Cooperative Employee Loan
5. bjb KPR 5. bjb KPR
6. bjb Kredit Kepada Koperasi 6. bjb Loan to Cooperative
7. bjb Kredit Ketahanan Pangan dan Energi 7. bjb Food security and energy loans
8. bjb Kredit Sindikasi 8. bjb Syndication Loan
Corporate Social
Responsibility
9. Perusahaan Pembiayaan 9. Financing Company
Selain Penghimpunan dan Penyaluran dana, bank bjb melayani In addition to the Raising and Distributing of funds, bank bjb
jasa-jasa perbankan lainnya seperti: offers other banking services such as:
1. Reksadana 1. Mutual Funds
2. Bancassurance 2. Bancassurance
3. Trade Finance & Services 3. Trade Finance & Services
Consolidated
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. Online BPDnet
8. bjb DPLK (Dana Pensiun Lembaga Keuangan) 8. bjb Pension (Pension Fund)
9. Transfer Kliring Antar Wilayah (Intercity Clearing) 9. Inter-Regional Transfer Clearing (Intercity Clearing)
Corporate Data
10. Jaminan Bank (Bank Garansi) 10. Guarantee Bank (Bank Guarantee)
11. Fasilitas Safe Deposit Box (SDB) 11. Safe Deposit Box Facilities (SDB)
12. Mobile Banking (M-ATM Bersama) 12. Mobile Banking (M-ATM Bersama)
13. Layanan bjb Precious 13. bjb Precious Service Priority
14. Layanan Weekend Banking 14. Weekend Banking Services
15. Layanan Kas Mobil 15. Mobile Cash Service
37
LAPORAN DEWAN KOMISARIS
Report from Board of Commisioner
Komisaris Independen Komisaris Independen Komisaris Komisaris Independen Komisaris Independen

Independent Commissioner Independent Commissioner Commissioner Independent Commissioner Independent Commissioner
Klemi Subiyantoro Rudhyanto Mooduto Muhadi Achmad Baraba Yayat Sutaryat
38 Kriteria ARA No. III.1

Introduction
Performance
Dear Shareholders,
Good Corporate
Governance
Kami memanjatkan puji syukur atas nikmat Tuhan Yang Maha Esa We express our gratitude for the blessings of success from God
Corporate Social
Responsibility
karena telah berhasil melalui tahun yang penuh tantangan. Atas Almighty to overcome a challenging year. On behalf of the Board
nama Dewan Komisaris, perkenankan kami menyampaikan laporan of Commissioners, please allow us to deliver the report on the
pertanggungjawaban atas pelaksanaan tugas pengawasan dan implementation of our supervisory responsibility and the provision
pemberian nasihat kepada Direksi dalam menjalankan kegiatan of advice to the Board of Directors in carrying out business activities
usaha sepanjang tahun 2013. throughout the year 2013.
Sepanjang tahun 2013, kami memandang bahwa kondisi We view the Indonesian economy in 2013 as relatively good, although
Consolidated
perekonomian Indonesia dapat dikatakan cukup baik, meskipun there were several impacts emerging from the uncertainties of the
ada pengaruh akibat ketidakpastian global. Meskipun target global economy. Despite the inability to achieve economic growth
pertumbuhan ekonomi sebesar 6,2% tidak tercapai, tetapi capaian target of 6.2%, the economic growth of 5.6% at the end of the year
laju pertumbuhan ekonomi di akhir tahun sebesar 5,6% sangat of was considered to be adequate.
memadai.
Corporate Data
Kondisi perekonomian global yang sedang berjuang untuk pulih dari The Indonesian export decreased due to the global economic
imbas krisis sebelumnya, telah mengakibatkan penurunan ekspor condition which was still struggling to recover, causing deficit of the
Indonesia, sehingga defisit neraca berjalan meningkat. Dipadankan current account. Along with the issue of tapering off in the United
dengan isu tapering off di Amerika Serikat, modal asing yang States, foreign capital invested in Indonesia exited. This provided
ditanamkan di Indonesia sempat keluar. Hal ini memberikan tekanan pressure towards the value of Rupiah against the U.S. Dollar which
nilai tukar rupiah terhadap dolar AS, yang mengakibatkan Bank caused Bank Indonesia to raise the BI rate up to the level of 7.5%.
Indonesia menaikkan suku bunga acuan sampai ke level 7,5%.
Di dalam negeri, kebijakan pemerintah untuk mengurangi subsidi Domestically, the Government’s policy to reduce fuel-oil subsidy led
bahan bakar minyak (BBM) telah menyebabkan kenaikan harga to a rise in fuel prices. Transportation industry responded by raising
bahan bakar. Industri transportasi merespons dengan menaikkan the cost of services. This condition ultimately increased inflation in
biaya jasanya. Kondisi ini pada akhirnya meningkatkan inflasi pada 2013 to 8.4% (YoY).
2013 menjadi 8,4% (YoY).
39
Laporan DEWAN Komisaris Report from BOARD OF CommissionerS
Bauran kebijakan makro yag tepat dan respons kebijakan pemerintah A suitable mix of relevant macro policies and Government policies
yang cepat telah membuat kondisi makroekonomi Indonesia fast response caused the Indonesian macroeconomic condition to
membaik di akhir tahun 2013. Hal itu ditandai dengan berkurangnya improve at the end of 2013. This was characterized by the reduction
defisit neraca berjalan dan meningkatnya cadangan devisa. of current account deficit and the rise of foreign exchange reserves.
Tahun 2013 juga ditandai oleh masih berkembangnya industri The year 2013 was also marked by the development of the financial
keuangan, tidak terkecuali bank. Kredit yang disalurkan oleh industry, including banking. Distribution of loans by banks grew
perbankan masih tumbuh cukup tinggi. Per Desember 2013, significantly high. As of December 2013, the Bank’s credit growth
pertumbuhan kredit perbankan tercatat 21,60% secara year-on- was recorded to be 21.60% year-on-year. Meanwhile Third-Party
year. Sementara Dana Pihak Ketiga (DPK) naik 13,60% (YoY). Funds (TPF) rose 13.60% (YoY).
Meskipun secara absolut angka-angka ini lebih rendah dibanding Although in absolute terms the figures were lower than the
tahun sebelumnya, tetapi pertumbuhan kredit perbankan di atas previous year, the banking credit growth of more than 20% remains
20% tetap merupakan bukti dari daya tahan (resiliensi) perekonomian to be the testament of resilience of the domestic economy towards
domestik terhadap gejolak ekonomi global. the global economic turmoil.
Di tengah situasi itulah, kami memandang, Perseroan telah In the midst of that situation, we consider, the Company has
menerapkan strategi kebijakan yang disesuaikan dengan implemented policy strategies that are tailored to the economic
perkembangan perekonomian yang terjadi sehingga kinerja Perseroan developments that occur hence the Company’s performance,
khususnya dari sisi penciptaan laba tetap berkembang positif. especially in terms of creating revenues have developed positively.
Strategi dimaksud, terutama selalu mempertimbangkan dampak The strategies always considered the impacts of external factors
faktor eksternal terhadap bisnis Perseroan. Selain itu, tetap konsisten towards the business of the Company. In addition, the Company
untuk fokus pada bisnis yang bertumpu di segmen yang telah remained consistent to focus on the business segment with identified
dikenali risikonya, kemudian diikuti pengembangan ke segmen lain risks, followed by the development to another segments in line with
sejalan dengan kesiapan infrastruktur pendukung. the readiness of supporting infrastructure.
Dalam pengembangan produk dan layanan, Perseroan telah In the development of products and services, the Company has
mengembangkan keragaman produk dan layanan untuk dapat developed a variety of products and services in order to compete
bersaing dengan perbankan pada umumnya. with banks in general.
Dewan Komisaris memberikan apresiasi terhadap kerja keras The Board of Commissioners express our appreciation towards
seluruh jenjang organisasi bank bjb baik pengurus maupun the hard work of all levels of the organization of bank bjb, both
pegawai sehingga dapat membukukan kinerja yang cukup baik the Management and employees so as to record a fairly good
di tahun 2013. performance in 2013.
Dewan Komisaris menilai pencapaian kinerja di tahun 2013 cukup The Board of Commissioners feels that the performance achievement
menggembirakan, dilihat dari pertumbuhan laba yang meningkat in 2013 was quite encouraging, in terms of increased earnings
dari tahun 2012 walaupun pertumbuhan aset sedikit mengalami growth in 2012 despite the slight decrease in assets growth due to
penurunan yang disebabkan oleh menurunnya dana masyarakat the decrease of public funds in the form of deposits. This decrease
dalam bentuk deposito. Penurunan ini disebabkan oleh pilihan is due to the choice of strategies to balance the structure of public
strategi untuk menyeimbangkan struktur dana masyarakat dalam funds in order to keep the cost of funds in the corridor that provides
rangka menjaga biaya dana dalam koridor yang memberikan the potential for an increase in profit compared to the previous
potensi peningkatan laba dibanding periode sebelumnya, yaitu tetap period, which is to maintain the net interest income (Net Interest
terjaganya pendapatan bunga bersih (Net Interest Margin) yang lebih Margin) that is higher than the previous period.
tinggi dibanding periode sebelumnya.
Hal ini terlihat dari total aset Perseroan sedikit mengalami penurunan This is evident from the slight decrease in the Company’s assets from
yaitu dari Rp66,99 triliun menjadi Rp66,72 triliun atau turun sebesar Rp66.99 trillion to Rp66.72 trillion, decreasing by 0.4%, however
0,4%, namun secara konsolidasi (dengan anak perusahaan) terjadi on a consolidated basis (with subsidiaries) there was an increase in
peningkatan total aset dari Rp70,84 triliun menjadi Rp70,96 triliun total assets from Rp70.84 trillion to Rp70.96 trillion or an increase
atau meningkat 0,2%. Dari sisi pencapaian penghimpunan dana of 0.2%. In terms of public funding, there is an increase in current
masyarakat terdapat peningkatan giro dari Rp14,53 triliun menjadi accounts from Rp14.53 trillion to Rp16.36 trillion, or an increase of
40
Rp16,36 triliun atau meningkat 12,6%, tabungan meningkat dari 12.6%, savings increase from Rp8.69 trillion to Rp11.77 trillion, or
Rp8,69 triliun menjadi Rp11,77 triliun atau meningkat 35,4%, an increase of 35.4%, while as abovestated, deposit which is a costly
sedangkan seperti dikemukakan di atas deposito yang merupakan source of funds decreased from Rp24.32 trillion to Rp18.62 trillion,
sumber dana mahal mengalami penurunan dari Rp24,32 triliun or a decrease of 23.4%.
menjadi Rp18,62 triliun atau menurun 23,4%.
Dalam kaitannya dengan penyaluran dana, khususnya penyaluran In relations to fund disbursements, particularly lending, a significant
kredit terjadi peningkatan yang signifikan yaitu dari Rp35,23 triliun increase was experienced from Rp35.23 trillion to Rp45.11 trillion, or
menjadi Rp45,11 triliun atau meningkat 28%. Khusus untuk segmen an increase of 28%. Especially for the micro credit segment, a large
kredit mikro terjadi peningkatan yang besar yaitu dari Rp4,5 triliun increase occurred, from Rp4.5 trillion to Rp5.3 trillion, or an increase
Introduction
menjadi Rp5,3 triliun atau meningkat 17,8%, bahkan peningkatan of 17.8%, the largest increase occurred in the mortgage segment,
paling besar terjadi pada segmen KPR yaitu dari Rp1,7 triliun menjadi from Rp1.7 trillion to Rp3.9 trillion, increased by 127.2%. Which
Rp3,9 triliun atau naik 127,2%. Hal mana menunjukan upaya demonstrates the Company’s efforts to continuously emphasizes on
Perseroan untuk senantiasa berorientasi pada pengembangan usaha the development of small, micro and cooperative (SMEC), although
kecil, mikro dan koperasi (UKMK) meskipun disadari sepenuhnya it is fully recognize that there is a tendency of increase in the ratio
terdapat tendensi kenaikan rasio non-performing loan (NPL). Atas of non-performing loan (NPL). For the decline in credit quality,
Performance
penurunan kualitas kredit khususnya kredit mikro, Dewan Komisaris particularly micro credit, the Board of Commissioners as stated above
seperti dikemukakan di atas telah memberikan arahan dan masukan has provided guidances and recommendations for the improvement
untuk perbaikan kualitas kredit tersebut melalui penyempurnaan of credit quality through improvements in the organization, business
organisasi, proses bisnis dan peningkatan kompetensi sumber daya processes and competence of human resources.
manusia.
Good Corporate
Governance
Hal yang cukup menggembirakan, Perseroan mampu menciptakan It is quite encouraging, the Company was able to generate an after-
laba tahun 2013 setelah pajak sebesar Rp1,38 triliun hal mana tax profit in 2013 amounted to Rp1.38 trillion, growing by 16.1%
tumbuh 16,1% dibanding tahun 2012 yang sebesar Rp1,19 triliun. compared to 2012 which amounted to Rp1.19 trillion. This occurs
Pembentukan laba ini terjadi karena pertumbuhan pendapatan because of the operating income growth from Rp6.69 trillion to
operasional dari Rp6,69 triliun menjadi Rp7,83 triliun atau tumbuh Rp7.83 trillion, growing by 16.9% and operating expenses growth
16,9% dan beban operasional tumbuh 15,9% yaitu dari Rp5,36 by 15.9%, from Rp5.36 trillion to Rp6.21 trillion. This indicates that
Corporate Social
triliun menjadi Rp6,21 triliun. Hal ini menunjukan bahwa Perseroan the Company was able to increase the earnings per share from
Responsibility
mampu meningkatkan laba per lembar saham dari Rp123 menjadi Rp123 be Rp141.59 or a 15.1% growth, hence the Company was
Rp141,59 atau tumbuh 15,1%, sehingga Perseroan masih mampu able to create a return on equity (ROE) of 26.76% or an increase of
untuk menciptakan return on equity (ROE) sebesar 26,76% atau 1.74% compared to 2012 which amounted to 25.02%.
tumbuh 1,74% dibanding tahun 2012 sebesar 25,02%.
Dalam hal penghimpunan dana masyarakat, terjadi peningkatan In terms of public fundings, an increase in the number of customers
Consolidated
jumlah nasabah (number of account) tabungan maupun giro (number of accounts) in savings or current accounts which was quite
yang cukup besar hal mana mengindikasikan bahwa kepercayaan large to indicate that public confidence in bank bjb is increasing.
masyarakat terhadap bank bjb semakin meningkat.
Dewan Komisaris juga senantiasa mendorong dan mendukung The Board of Commissioners continues to encourage and support
strategi Direksi dalam hal menjadikan kredit konsumer dan kredit the strategy of the Board of Directors in terms of making consumer
Corporate Data
mikro sebagai pilar utama bank bjb serta peningkatan komposisi loans and micro-credit as the major pillar of the Bank as well as the
kredit produktif. Namun, Dewan Komisaris menyadari adanya increase of productive loans. However, the Board of Commissioners is
ketidaksempurnaan dalam proses bisnis maupun infrastruktur aware of the imperfections that occurred within the business process
penyaluran kredit produktif, sehingga berdampak pada peningkatan and the infrastructure of productive credit distribution which caused
rasio non-performing loan (NPL) pada tahun 2013. the increase of the ratio of Non-Performing Loan (NPL) in 2013.
Dewan Komisaris telah memberikan nasehat kepada Direksi dalam The Board of Commissioners provided advices in terms of improvement
hal penyempurnaan struktur organisasi, proses bisnis dan peningkatan and refinement of the organizational structure, business processes
kualitas sumber daya manusia. Pengelolaan bisnis perkreditan and improvement of the quality of human resources. Management
ditekankan pada prinsip kehati-hatian yang mengedepankan aspek of credit was to be emphasized on the precautionary principle which
manajemen risiko dan peningkatan pengelolaan risiko operasional, emphasizes on the aspects of risk management and improvement
sehingga potensi kredit bermasalah dapat dikendalikan. of operational risk management in so as to mitigate potential non
performing loans.
41
Laporan DEWAN Komisaris Report from BOARD OF CommissionerS
Dewan Komisaris juga telah menyarankan dan menyetujui rencana The Board of Commissioners also suggested and approved the Bank’s
bisnis bank tahun 2014 yang bernuansa konsolidatif dan prudent, business plan in 2014 which is consolidative and prudent, among
diantaranya tidak adanya ekspansi seperti pendirian kantor cabang others, the lack of expansion such as the establishment of new
baru kecuali relokasi dan/atau peningkatan status kantor cabang. branches except for relocation and/or improvement of the status of
branch offices.
Dewan Komisaris mencatat terdapat pemberitaan di media massa The Board of Commissioners noted that there are reports in the
dan penanganan hukum oleh aparat penegak hukum terkait dengan media and legal handling by law enforcement officers associated
beberapa permasalahan yang dihadapi oleh perseroan. Hal ini, sedikit with some issues faced by the company. It is, more or less influence
banyak memberikan pengaruh terhadap pengelolaan perseroan the management of the company in achieving its business plan. To
dalam mencapai rencana bisnis bank. Terhadap permasalahan overcome these problems, the Board of Commissioners has provided
tersebut Dewan Komisaris telah memberikan masukan-masukan recommendations to handle those issues and constantly monitoring
untuk penanganan permasalahan tersebut dan senantiasa melakukan the progress of settlement of these problems, in addition to providing
monitoring terhadap proses penyelesaian permasalahan tersebut, guidance to all levels of bank bjb to draw an important lesson from
disamping memberikan arahan kepada seluruh jajaran bank bjb the above problems.
untuk menarik pelajaran penting dari permasalahan di atas.
Selain itu Dewan Komisaris juga mencatat bahwa jajaran Direksi Furthermore, the Board of Commissioners also noted that the Board
yang belum lengkap sebagaimana diputuskan dalam RUPS terdahulu of Directors that is not complete as determined in the previous GMS
memberikan dampak beban kerja direksi yang ada menjadi lebih impact the workload of the existing directors becoming heavier and
berat dan tentu saja berpengaruh terhadap kinerja Perseroan. obviously affected the Company’s performance.
Dewan Komisaris mengamanatkan, untuk tahun 2014 dimana The Board of Commissioners mandates, for 2014, in which the
kondisi perekonomian nasional diperkirakan tidak lebih baik dari national economy is not expected to be better than 2013, as well as
tahun 2013 serta berkaca pada pencapaian maupun permasalahan reflecting on the achievements and problems of that year, the Board
pada tahun itu, hendaknya Direksi dan jajarannya menjalankan of Directors and its staffs should implement the bank’s management
praktik pengelolaan bank berdasarkan prinsip kehati-hatian serta practices based on the precautionary principle and to implement the
melaksanakan prinsip Good Corporate Governance secara optimal. principles of good corporate governance optimally.
Terkait dengan pelaksanaan kepatuhan bank dan prinsip kehati- Related to compliance and prudential banking principles, the
hatian, Perseroan juga senantiasa menerapkan manajemen risiko Company has consistently implemented risk management in
dalam menjalankan usahanya. Untuk hal ini, Perseroan terus performing its business. In this regard, the Company continues to
mengembangkan kebijakan dan prosedur manajemen risiko serta develop risk management policies and procedures as well as the
profil risiko bank, sebagai bagian dari pelaksanaan kepatuhan. Bank’s risk profile, as part of compliance implementation.
Selain itu, Perseroan juga meningkatkan peran sistem pengawasan In addition, the Company has also improved its internal control
internal, dengan menjadikan peran audit internal sebagai mitra bisnis systems, by positioning internal audit function as a strategic business
strategis manajemen dan seluruh jajaran bank. Tak kalah pentingnya, partner of the management and organization of the Bank. Also
dalam rangka pengawasan dan upaya memitigasi risiko, Perseroan important is the development of risk-based audit planning for
menyusun perencanaan audit berbasis risiko. improved supervision and risk mitigation efforts.
Untuk menghadapi tahun 2014 Perseroan telah menyusun sejumlah In facing 2014, the Company has developed a number of targets that
target yang di antaranya peningkatan aset dan laba, sebagai included growth in assets and earnings, as the business management
pertanggungjawaban pengelolaan usaha. Untuk mencapai hal responsibilities. In order to achieve this, a number of strategies have
itu, sejumlah strategi telah disiapkan, diantaranya pengembangan been prepared, including product developments and continuous
produk serta penerbitan obligasi berkelanjutan. bonds issuance.
Strategi lain yang telah disiapkan Perseroan, di antaranya Other strategies prepared by the Company, including streamlining
mengefisiensikan biaya operasional agar daya saing bank semakin operational costs in order to strengthen the competitiveness of the
kuat, bersamaan dengan itu pengembangan produk dan kualitas bank, along with product developments and improving the quality
layanan juga terus ditingkatkan. of services.
42
Untuk melaksanakan strategi tersebut di atas, pengembangan To implement the above stated strategies, the competence
kompetensi sumber daya manusia dan teknologi informasi di development of human resources and information technology in the
lingkungan Perseroan merupakan kunci utama Perseroan dalam Company is the primary key of the Company in order to meet the
rangka memenuhi target. target.
Atas strategi yang telah disusun itu, Dewan Komisaris merasa yakin On the strategies which have been developed, the Board of
bahwa target yang ditetapkan akan dapat dicapai. Commissioners is confident that the established targets will be
achieved.
Kami menyampaikan terima kasih dan penghargaan yang tinggi We extend the highest gratitude and appreciation to the shareholders
Introduction
kepada para pemegang saham dan para pemangku kepentingan and stakeholders for the trust that has been given to the Management
atas kepercayaan yang telah diberikan kepada Pengurus dan seluruh and all employees so that the Company can flourish and contribute
karyawan sehingga Perseroan dapat berkembang dan memberikan to the economic developments in West Java and Banten.
kontribusi terhadap perkembangan perekonomian di Jawa Barat dan
Banten.
Performance
Kami yakin dengan kerja sama yang baik seperti selama ini dan We are confident that with the good cooperation all this time and
akan terus ditingkatkan, Perseroan akan mampu mengatasi segala it will continue to be improved, the Company will be able to overcome
tantangan yang akan dihadapi dan target yang telah dicanangkan all the challenges to be faced and targets that have been determined
dapat menjadikan Perseroan sebagai bank yang terkemuka dan will make the Company a leading bank and performs well.
berkinerja baik.
Good Corporate
Governance
Atas nama Dewan Komisaris
On behalf of the Board of Commissioners
Corporate Social
Responsibility
Consolidated
Corporate Data
43
LAPORAN DIREKTUR UTAMA
Report from the President Director
Bien Subiantoro
Direktur Utama
President Director
44 Kriteria ARA No. III.2

Introduction
Performance
Dear Shareholders,
Good Corporate
Governance
Alhamdulillah, puji syukur kehadirat Illahi Rabbi atas nikmat yang Alhamdulillah, praise Allah for the blessings that have been given.
Corporate Social
Responsibility
telah diberikan. Perkenan kami, atas nama Direksi menyampaikan Allow us, on behalf of the Board of Directors to deliver the report
laporan kegiatan usaha yang telah kami jalankan selama tahun buku on the business activities that we have conducted during the fiscal
2013. year 2013.
Apa yang kami rasakan dan alami sepanjang tahun itu memang We felt what we have experienced in 2013 were not easy. A variety
bukan masa yang mudah. Beragam tantangan serta ketidakpastian of challenges and uncertainties within the macroeconomic condition,
situasi perekonomian secara makro, mengiringi perjalanan accompanied the journey of our business management. However,
Consolidated
pengelolaan usaha. Namun, dengan ketekunan serta dedikasi with hard work and dedication of the employees, the Management
para karyawan, manajemen mampu melaluinya dengan baik dan was able overcome the challenges and positive performance was
pencapaian kinerja yang masih positif. able to be achieved.
Sepanjang tahun 2013, anggota Direksi yang telah efektif lulus Fit During the year 2013, Board members who have effectively passed
& Proper Test Bank Indonesia dan dapat melakukan pengambilan the Fit & Proper Test Bank Indonesia and can perform only business
Corporate Data
keputusan operasional bisnis diantaranya Direktur Utama, Direktur operational decision making are President Director, Director of
Konsumer dan Direktur Kepatuhan dan Hukum. Meskipun demikian, Consumers and Director Of Legal and Compliance. Despite this, the
bank bjb berhasil membukukan pertumbuhan laba sebelum pajak Company successfully recorded the growth of profit before tax as
sebesar 15,89% dibandingkan tahun sebelumnya. Sedangkan laba much as 15.89% compared to the previous year, whereas net profit
bersihnya sebesar Rp1,38 triliun atau naik 15,34%. was Rp1.38 trillion or increased by 15.34%.
Tekanan Makro Ekonomi Macroeconomic Pressure

Sepanjang tahun lalu, kondisi perekonomian global masih Over the past year, the global economy still experienced slowdown
mengalami perlambanan dan ketidakpastian. Negara-negara and uncertainties. Developed countries were still struggling to recover
maju masih terus berjuang memulihkan perekonomiannya yang their economy that tended to be unstable.
cenderung belum stabil.
45
Laporan DIREKTUR UTAMA Report from the President Director
Dalam suasana perekonomian global yang gamang, Bank Sentral Apprehensively of the global economy, the American Central Bank,
Amerika, Federal Reserve (The Fed) ikut mempengaruhi perekonomian the Federal Reserve (the Fed) helped fuel pressure on the economy of
negara berkembang termasuk Indonesia, melalui pengurangan the developing countries, including Indonesia, through the reduction
stimulus moneter (Quantitative Easing). Kebijakan ini mendorong of monetary stimulus (Quantitative Easing). This policy encouraged
dana yang ditanamkan di negara-negara berkembang keluar, pindah the funds invested in the developing countries to exit, transforming
ke portofolio berdenominasi dolar. to dollar-denominated portfolios.
Begitu pun dana yang ditanamkan pada pasar keuangan di Indonesia. So did the funds invested in the financial markets in Indonesia.
Kondisi ini memberikan dampak negatif terhadap perekonomian These conditions provided negative impacts towards the domestic
dalam negeri. economy.
Bersamaan terjadinya penarikan dana tersebut, ditambah lagi Along with the withdrawal of funds, added by minus trade balance,
dengan neraca perdagangan yang minus, nilai tukar rupiah terhadap the exchange rate of Rupiah against U.S. dollar declined sharply. If at
mata uang acuan dolar AS melemah tajam. Jika di awal tahun masih the beginning of the year the exchange rate was still in the range of
ada di kisaran Rp9.000 per dolar, hingga akhir tahun sudah di atas Rp9,000 per dollar, at the end of the year it became Rp12,000.
Rp12.000.
Pertumbuhan ekonomi yang semula ditargetkan bisa mencapai Economic growth which was initially targeted to reach 6.3% only
6,3%, nyatanya hanya bisa 5,78% atau lebih rendah dibandingkan reached 5.78% or lower than the previous year which was 6.2%.
tahun sebelumnya yang sebesar 6,2%. Begitu pun dengan inflasi. Similarly with inflation, in 2012 inflation was only 4.3%, last year it
Jika tahun 2012 hanya 4,3%, tahun lalu mencapai 8,38%. reached 8.38%.
Demi menjaga stabilitas perekonomian yang dalam tekanan, Bank In order to maintain economic stability, Bank Indonesia as the central
Indonesia sebagai bank sentral mengeluarkan kebijakan, yang pada bank issued a policy which in turn provided influence to the banking
akhirnya ikut memengaruhi industri perbankan. Sepanjang tahun industry. Throughout the year 2013, BI rate was increased as much
2013, suku bunga acuan BI Rate dinaikkan sebanyak lima kali hingga as five times reaching up to 7.5%.
mencapai 7,5%.
Industri perbankan merespons situasi tersebut dengan ikut The banking industry has responded to the situation by adjusting the
menyesuaikan suku bunga dana pihak ketiga. Persaingan antar interest rates involved third-party funds. Competition among banks
bank jadi makin ketat, khususnya dalam likuiditas dana. became more stringent, especially in liquidity funds.
Tantangan dan Strategi 2013 Challenges and Strategies in 2013

Secara umum, tantangan yang dihadapi bank bjb adalah situasi In general, the challenge faced by bank bjb was the pressure towards
makro ekonomi yang dalam tekanan, sebagai akibat ketidakpastian the macroeconomic condition as a result of the global uncertainty.
global. Respons kebijakan atas situasi tersebut berdampak terhadap The policy established to respond to the situation provided impact on
persaingan industri perbankan yang semakin ketat. the banking industry whereas competition became more rigorous.
Kenaikan BI rate yang mencapai lima kali sepanjang tahun 2013 The increase of BI rate up to five times throughout the year 2013
telah mendorong perbankan melakukan penyesuaian suku bunga has prompted banking to adjust the interest rates of third-party
DPK. Dengan persaingan yang semakin tinggi itu, Perseroan funds. With the rise of competition, the Company was encouraged
terdorong untuk menciptakan competitive advantage bagi nasabah. to create competitive advantage for our customers, not only in terms
Bukan hanya dari sisi pricing yang menarik, namun juga dari sisi of attractive pricing, but also in terms of services.
pelayanan.
46 Kriteria ARA No. III.2.1

Di sisi tantangan non-bisnis, persaingan juga terjadi dalam In terms of non-business challenges, competition also occurred in
pemenuhan Sumber Daya Manusia (SDM) yang berkualitas, the fulfilment of human resources with quality, especially to support
terutama untuk mendukung pengembangan jaringan kantor. Guna the development of office network. To fulfil this need, bank bjb
memenuhi kebutuhan tersebut, bank bjb melakukan perekrutan conducted recruitment in order to obtain the best talents. As for
demi mendapatkan talenta terbaik. Sedangkan untuk meningkatkan improving the competency of personnel, education and training
kompetensi pegawai, program pendidikan dan pelatihan terus programs continued to be conducted continuously.
dilaksanakan secara berkesinambungan.
Selain itu, bank bjb juga melakukan sejumlah langkah strategis In addition, bank bjb also performed a number of strategic steps to
dalam menghadapi kondisi 2013. Di antaranya: face the condition in 2013, among others:
Introduction
1. Pengembangan struktur organisasi dan deskripsi jabatan 1. Developing organizational structure and job description as
serta penyempurnaan alur bisnis. well as improving the flow of business.
bank bjb telah melakukan pengembangan struktur organisasi bank bjb developed the organizational structure and job
dan deskripsi jabatan serta penyempurnaan alur bisnis untuk description as well as improved the flow of business to support
mendukung pertumbuhan perusahaan. Adanya pemisahan the Company’s growth. Separation of the Compliance Division
Performance
Divisi Hukum dengan Divisi Kepatuhan, Divisi Penyelamatan dan from the Legal Division, Credit Rescue Division from the Credit
Penyelesaian Kredit, serta Unit Administrasi Kredit dan Bisnis Settlement Division, and the Credit Administration Unit from the
Legal, diharapkan dapat dan meningkatkan prinsip kehati- Business Legal Unit were expected to increase the precautionary
hatian. Selain itu, perbaikan proses bisnis dilakukan dengan principle. In addition, improvement of the business processes
mengedepankan pelayanan dalam melakukan pemasaran. was performed by prioritizing services in marketing.
Good Corporate
Governance
2. Peningkatan kompetensi dan penetapan jenjang karir 2. Improve HR competence.
SDM. In addition to conducting recruitment to fulfil the need of human
Selain melakukan rekrutmen untuk memenuhi kebutuhan resources in the office network, competence enhancement
SDM pada jaringan kantor, peningkatan kompetensi juga was continuously conducted through on-going training and
terus dilakukan melalui program pendidikan dan pelatihan education programs. Besides, career path (career path) that HR
yang berlangsung secara berkesinambungan. Disamping itu, has not owned, has been carried out at the end of 2013. Given
Corporate Social
penetapan jenjang karir (career path) SDM yang selama ini belum this career is expected that all employees work harder and have
Responsibility
dimiliki, telah dilakukan pada akhir tahun 2013. Dengan adanya guidance on career development, respectively.
jenjang karir ini diharapkan seluruh karyawan lebih bekerja keras
dan memiliki pedoman tentang pengembangan karir masing-
masing.
3. Peningkatan infrastruktur, termasuk electronic banking. 3. Improve infrastructure, including electronic banking.
Consolidated
Guna mendukung daya saing produk dan layanan, Perseroan In order to support the competitiveness of products and services,
telah melakukan peningkatan infrastruktur/IT. Hal ini terbukti the bank has improved our IT infrastructure. This was evidenced
dengan menurunnya jumlah error system terhadap ATM maupun by the declining number of system errors on the ATMs and
jaringan. Selain itu, pengembangan IT dilakukan pula untuk network. In addition, the improvement of IT was also conducted
mendukung pengembangan produk berbasis teknologi seperti to support the development of technology-based products such
SMS Banking, Internet Banking, maupun Kartu Kredit. as SMS Banking, Internet Banking, and Credit Cards.
Corporate Data
4. Pengembangan Service Culture yang baik untuk 4. Develop good Service Culture to support the development
mendukung pengembangan bisnis konsumer dan mikro. of consumer and micro businesses.
Sesuai dengan tema di tahun 2013-2014 yang termuat dalam According to the theme of the years 2013-2014 included in the
roadmap, yaitu ‘Leading in Service As One of The Big Banks’, roadmap, namely ‘Leading in Service As One of The Big Banks’,
Perseroan telah melakukan peningkatan layanan dengan cara bank bjb increased our services by establishing a service culture
membangun budaya layanan di seluruh jajaran organisasi, mulai throughout the organization, starting from the lowest level to
dari level terendah hingga top manajemen yang senantiasa top management whom are always evaluated and supervised by
dievaluasi dan dilakukan pengawasan oleh Divisi Change the Change Management Office Division and the Network and
Management Office dan Divisi Jaringan dan Layanan. Services Division.
47
Kinerja Tetap Tumbuh Growing Performance

Di tengah situasi ekonomi yang berat itu dan keterbatasan jumlah In the midst of the heavy situation, the performance of the Company
Direksi, kinerja bank bjb tetap tumbuh positif. Bahkan dalam continued to grow positively, in some cases even above the average
beberapa hal, khususnya laba bersih berada di atas rata-rata kinerja performance of banks in general.
perbankan secara umum.
Sepanjang 2013, laba setelah pajak mencapai 15,34% dibandingkan Throughout 2013, profit after tax reached 15.34% or the realization
tahun sebelumnya atau realisasinya mencapai 105,52% dari target reached 105.52% of the target. This achievement was much
yang dicanangkan. Pencapaian ini jauh lebih tinggi dibandingkan higher than the average performance of national banks which was
rata-rata kinerja perbankan nasional yang sekitar 15%. approximately 15%.
Dari sisi aset juga mengalami perkembangan menjadi Rp 70,96 Assets also increased and became Rp 70.96 trillion, although on
triliun, kendati di sisi lain bank bjb memilih strategi untuk menjaga the other hand, third-party funds decreased as a consequence of
biaya dana (cost of fund) yang rendah, penghimpunan deposito bank bjb strategy to maintain lower cost of fund. Nevertheless, the
mengalami penurunan. Walaupun begitu, jumlah tabungan yang number of savings account bank bjb collected remained to grow
berhasil dihimpun bank bjb tetap tumbuh positif, yaitu sebesar positively, namely 34.92% (YoY) or 115.85% of the target. In
34,92% (YoY) atau 113,85% dari target yang sudah ditetapkan. addition, demand deposits collected also increased 12.86% (YoY) or
Selain hal tersebut diatas giro yang dihimpun juga mengalami 136% of the target.
kenaikan 12,86% (YoY) atau 136% dari target.
Hal ini menunjukkan bahwa tingkat kepercayaan nasabah terhadap This suggests that the level of customer trust towards bank bjb
bank bjb semakin tinggi. Nasabah ritel saat ini porsi simpanannya became higher, especially retail customers with composition 85.13%
masih 85,13% dari komposisi total nasabah bank bjb. of the total customers of the Bank.
Sedangkan dari sisi kredit, pertumbuhannya mencapai 28,1% (YoY). In terms of credit, the growth was 28.1% (YoY). This performance
Kinerja ini bahkan lebih tinggi dibandingkan rata-rata pertumbuhan was even higher than the average growth of national banks of
perbankan nasional yang hanya sebesar 21,80%. Salah satu faktor 21.80%. One of the most influential factors was the increase in
yang sangat berpengaruh adalah kenaikan kredit konsumer mencapai consumer loans which reached 27.5% (YoY).
27,5%(YoY).
Begitu pun dengan rasio kecukupan modal (CAR) bank bjb, yang Similarly with the capital adequacy ratio (CAR) of the Company
masih berada jauh di atas ketentuan regulator. Hingga akhir which remained to be above the number required by regulatory
2013, posisinya sebesar 16,58% atau 0,7% di atas target yang provisions. Until the end of 2013, CAR of the Company was 16.58%
dicanangkan. or 0.7% above the target.
Sedangkan tingkat pengembalian modal yang dihasilkan oleh Meanwhile the rate of return generated by the Company (ROE) in
Perseroan (ROE) pada periode tersebut mencapai 26,7%. Realisasi ini the period reached 26.7%. This realization was higher than the
lebih tinggi dibandingkan target dan realisasi tahun sebelumnya. target and the realization of the previous year.
Untuk pendapatan bunga bersih (NIM), bank bjb berhasil For net interest income (NIM), the Company managed to account
membukukannya sebesar 8%, di atas target yang telah ditetapkan. NIM of 8%, which was above the target. Compared to the previous
Bahkan dibandingkan tahun sebelumnya, posisi 2013 masih year, the NIM in 2013 was higher. CASA ratio of the Bank in 2013
lebih tinggi. Tahun 2013 rasio CASA bank bjb mencapai 60,10% reached 60.10% which exceeded the 37%.
melampaui target 2013 yang sebesar 37%.

Sumber Daya Manusia Human Resources
Sumber daya manusia merupakan salah satu kunci mencapai Human resource is one of the key to success of bank bjb. Therefore,
kesuksesan bank bjb. Karena itu, dengan terus tumbuhnya kinerja with continuous performance growth and improvement of services
dan peningkatan layanan terhadap nasabah, Perseroan selalu to customers, the Company always strives to improve the capabilities
berupaya meningkatkan kapabilitas bagi seluruh karyawan. of all employees.
Selain itu, demi mendapatkan SDM berkualitas dan profesional In addition, in order to obtain human resources with quality and
seiring dengan kebutuhan yang terus meningkat, bank bjb secara professional human resources according to the growing needs, bank
terencana melakukan rekrutmen. Sistem perekrutan dilakukan bjb conducts planned recruitment. The system of recruitment is
Introduction
dengan dua pendekatan, yaitu fresh graduate dan individual hire. conducted with two approaches, namely hire fresh graduates and
Hal ini dilakukan demi mengimbangi pesatnya pertumbuhan bank individual hire. This is conducted in order to compensate for the rapid
bjb. growth of bank bjb.
Hingga 2013, total karyawan bank bjb, baik yang sudah berstatus Until 2013, the total employees of bank bjb, both of which permanent
karyawan tetap maupun belum, jumlahnya mencapai 6.395 atau and non-permanent employees, reached the number 6,395, growing

tumbuh 31% dibanding tahun sebelumnya. 31% over the previous year.
Performance
Bagi karyawan yang sudah menjadi bagian dari bank bjb, perusahaan For employees who have become part of bank bjb, company
menyiapkan pengembangan kompetensi agar tercipta sumber daya prepared competence development in order to create reliable human
manusia yang andal demi menjawab tantangan. Untuk itu, secara resources to address challenges. Therefore, periodic assessments are
berkala telah dilakukan assessment untuk mengkaji kesesuaian antara conducted to assess the compatibility between the competencies
kompetensi yang dibutuhkan dengan kinerja yang ditampilkan. required and the performance shown.
Good Corporate
Governance
Sepanjang tahun 2013, assessment sudah dilakukan sebanyak tiga Throughout the year 2013, three assessments were conducted within
kali untuk level officer, assistant, dan Officer Development Program the levels of officer, assistant, and Officer Development Program
(ODP). Jumlah karyawan yang terlibat mencapai 547 orang. (ODP). The number of employees involved reached 547 people.
Penghargaan Awards
Corporate Social
Responsibility
Sepanjang tahun 2013, bank bjb telah menerima sejumlah Throughout the year 2013, the bank bjb has received a number
perhargaan, yang merupakan apresiasi para pemangku kepentingan of awards, the appreciation from all stakeholders upon bank bjb
atas kinerja bank bjb. Adapun penghargaan tersebut, yakni: performance. The awards include:
• Indonesian Banking Awards, “Best Performance Banking 2013” • Indonesian Banking Awards, “Best Performance Banking 2013”
kategori Bank BUKU 3 oleh Tempo Media Grup. with the category Bank BUKU 3 from Tempo Media Grup
• Penghargaan “Pelaporan Gratifikasi Terbanyak tahun 2013”, • The “Reporting Gratification Most in 2013”, awarded by the
diberikan oleh Komisi Pemberantasan Korupsi (KPK) tahun Corruption Eradication Commission (KPK) in 2013.
Consolidated
2013. • The award “Pelaporan LHKPN tahun 2013” for the category
• Piagam Penghargaan “Pelaporan LHKPN tahun 2013” untuk regionally-owned enterprises from the Corruption Eradication
kategori BUMD dari Komisi Pemberantasan Korupsi (KPK). Commission (KPK).
• “Call Center Award 2013 for Service Excellence” untuk bjb call • “Call Centre Award 2013 for Service Excellence” for bjb call
dari Center For Customer Satisfaction & Loyalty. from the Centre for Customer Satisfaction & Loyalty.
• “Acquirer Bank With The highest Transaction Volume Award For • “Acquirer Bank With The highest Transaction Volume Award for
Corporate Data
Regional Bank Category in 2012” dari PT Rintis Sejahtera. Regional Bank Category in 2012” from PT Rintis Sejahtera.
• Infobank Platinum Trophy 2013 atas Kinerja Keuangan “Sangat • Infobank Platinum Trophy 2013 upon the financial performance
Bagus” 2003-2012 oleh Infobank. of “Very Good” 2003-2012 from Infobank
• “Regional Strategic Partner Awards 2013” oleh Jamsostek • “Regional Strategic Partner Awards 2013” from Jamsostek
Jabar. Jabar.
• “Bandung Service Excellence Awards 2013” kategori Bank • “Bandung Service Excellence Awards 2013” with the category
Konvensional dengan aset < Rp150 T oleh Markplus Insight. Conventional Bank with asset < Rp150 T from Markplus Insight.
49
Tanggung Jawab Sosial Perusahaan Corporate Social Responsibility

Pada tahun 2013, bersamaan dengan usia bank bjb yang 52 tahun, In 2013, in conjunction with the 52nd year of bank bjb, the corporate
fokus kegiatan tanggung jawab sosial perusahaan atau Corporate social responsibility (CSR) of the Company focused on the field of
Social Responsibility (CSR) Perseroan pada bidang kesehatan. Hal health. This was reflected by the distribution Rp21 billion of total
ini dapat dilihat dari penyaluran program CSR dengan total dana fund disbursed in the sector.
sebesar Rp21 miliar yang disalurkan pada sektor tersebut.
Dana tersebut digunakan, di antaranya untuk kegiatan penyediaan, The fund was used including for the procurement, improvement
peningkatan, dan perbaikan sarana serta prasarana kesehatan and repair of health and health services facilities and infrastructure.
maupun layanan kesehatan. Selain itu, juga peningkatan peran serta In addition, community involvement in the field of health was
masyarakat dalam bidang kesehatan. improved.
Realisasi programnya, antara lain Pelayanan Obstetri Neonatal Realization of the programs includes Basic Obstetric Neonatal
Emergency Dasar (PONED), pengadaan sarana air bersih dan Emergency Care, provision of clean water and sanitation, and
pembangunan MCK, serta pengadaan unit mobil ambulans untuk procurement of ambulance units to PMI and hospitals. The Company
PMI dan ramah sakit. Terhadap 64 Puskesmas yang tersebar di also donated medical equipment, renovated buildings, as well
sejumlah wilayah Indonesia, Perseroan juga memberikan bantuan as examine and enhance child nutrition in 64 local health centres
berupa alat-alat kesehatan, renovasi bangunan, serta pemeriksaan throughout Indonesia.
dan perbaikan gizi anak.
Prospek 2014 Prospect in 2014

Memasuki tahun 2014, industri perbankan masih akan menghadapi Entering 2014, the banking industry will continue to face significant
sejumlah tantangan yang cukup besar. Perlambanan ekonomi global challenges. The global economic slowdown which could potentially
yang berpotensi memberikan tekanan terhadap perekonomian put pressure on the national economy, still overshadow the
nasional, masih membayangi kinerja industri keuangan, termasuk performance of the financial industry, including banks.
perbankan.
Bank Indonesia (BI) memperkirakan, pertumbuhan kredit perbankan Bank Indonesia (BI) estimates the growth of bank credit in 2014 will
tahun 2014 hanya di kisaran 15,3%-16,6%. Angka ini jauh di bawah only be in the range of 15.3%16.6%. This figure is far below the
pertumbuhan kredit tahun 2013 di kisaran 20%. estimated credit growth in 2013 which was in the range of 20%.
Selain kredit melambat, bank juga menghadapi dua tantangan besar In addition to the slowing credit, the Bank also faces two major
pada tahun depan. Pertama, likuiditas yang semakin ketat karena challenges next year, first tighter liquidity due to the transfer of funds
dialihkannya dana nasabah institusi ke instrumen surat utang negara of the institutional customers into government securities instruments
(SUN) demi mendongkrak yield. in order to boost yields.
Akibatnya, kondisi likuiditas semakin rendah dan persaingan As a result, liquidity becomes lower and competition for third -party
memperebutkan dana pihak ketiga (DPK) pun makin ketat. Bank funding (TPF) becomes even more rigorous. Banks will increasingly
akan semakin berlomba menaikkan suku bunga deposito dalam compete to raise interest rates of time deposits in collecting customer
menggaet dana nasabah. funds.
Tantangan kedua yang tak kalah berat adalah risiko kenaikan kredit The second challenge which is no less severe is the increase in the risk
bermasalah (NPL) akibat kenaikan suku bunga kredit dan penurunan of non-performing loans (NPL) due to the higher lending rates and
daya beli masyarakat. Menurut perkiraan Bank Indonesia, NPL the decrease in purchasing power. According to the Bank Indonesia’s
perbankan tahun depan bisa mencapai 2,8%-3,1%. estimation, NPLs of the banking sector could reach 2.8% -3.1% next
year.
Menghadapi sejumlah tantangan tersebut, Perseroan akan Facing these challenges, the Company will conduct several anticipatory
melakukan beberapa tindakan antisipatif yang telah tertuang dalam actions that as stated in the business plan. One of the strategies
rencana bisnis. Salah satu strategi dalam mendukung likuiditas yang to support liquidity is the bank’s participation in the program Mini
telah dilakukan, yaitu keikutsertaan bank bjb dalam program mini Master Repurchase Agreement (MRA) which was initiated by Bank
Master Repurchase Agreement (MRA) yang diinisiasi oleh Bank Indonesia and involved eight banks.
Indonesia dan melibatkan delapan bank.

Proyek tersebut diharapkan memicu peningkatan transaksi repo The project is expected to encourage the increase of interbank repo
antarbank, sehingga likuiditas bank menjadi lebih longgar. Strategi transactions, thus the Bank’s liquidity becomes looser. Another
lain yang akan dilakukan dalam mendukung likuiditas, yaitu strategy that will be conducted to support liquidity is the issuance
penerbitan obligasi. of bonds.
Sedangkan untuk mengantisipasi risiko kredit yang semakin Meanwhile, to anticipate the increase of credit risk, particularly in the
meningkat, terutama di sektor komersial dan korporasi, Perseroan commercial and corporate sector, the Company will further enhance
akan lebih meningkatkan prinsip kehati-hatian (prudential banking) the principle of prudence (prudential banking) in lending. To that
dalam penyaluran kredit. Untuk hal ini, Perseroan akan lebih selektif end, the Company will be more selective and continuously improve
dan secara berkesinambungan terus memperbaiki proses bisnis di internal business processes.
Introduction
internal.
Untuk aksi korporasi, Perseroan akan mengajukan kembali kepada In terms of corporate actions, the Company will file back to the
Otoritas Jasa Keuangan (OJK), mengenai rencana penyertaan modal Financial Services Authority (FSA), the plan for capital investment in
kepada PT Asuransi Staco Mandiri. Pada tahun 2013 sudah diajukan PT Asuransi Staco Mandiri. The plan for this capital investment has
kepada Bank Indonesia, namun masih ada persyaratan yang harus been submitted to Bank Indonesia in 2013, however there are several
Performance
dipenuhi. requirements to be met.
Pelaksanaan Tata Kelola Perusahaan Implementation of Corporate Governance

Sepanjang tahun 2013, bank bjb terus melanjutkan dan berupaya Throughout the year 2013, and bank bjb continued the efforts to
menerapkan praktik terbaik dalam tata kelola perusahaan atau Good implement best practices in corporate governance or Good Corporate
Corporate Governance (GCG). Bagi bank bjb, hal ini sangat penting Governance (GCG). For bank bjb, GCG is very important to support
Good Corporate
Governance
dalam rangka mendukung pencapaian target pertumbuhan yang the achievement of growth targets.
sudah ditetapkan.
Perseroan juga selalu menerapkan prinsip-prinsip GCG melalui The Company also always apply the principles of Good Corporate
Unit Pengendalian Gratifikasi dan memperoleh penghargaan KPK, Governance through Gratification Control Unit and was awarded
pelaporan gratifikasi tahun 2013. the Commission, reporting gratuities in 2013.
Corporate Social
Responsibility
Bagian dari penerapan GCG yang penting, di antaranya terkait Compliance Division as the effort to mitigate risks becomes an
dengan Divisi Kepatuhan sebagai upaya memitigasi risiko. Karena important in the implementation of GCG. Therefore, the efforts
itulah, upaya yang dilakukan oleh Satuan Kerja Kepatuhan bersifat conducted by the Compliance Division are ex ante, thus minimizing
ex ante, sehingga memperkecil potensi risiko kegiatan usaha bank the potential risks of bank bjb business activities that may occur.
bjb yang mungkin terjadi.
Consolidated
Mengingat pentingnya fungsi kepatuhan sesuai regulasi yang Given the importance of the function of compliance according to
dikeluarkan Bank Indonesia sebagai regulator, bank bjb sejak tahun the regulations issued by Bank Indonesia as regulator, since 2013 the
2013 telah meningkatkan peran fungsi Satuan Kerja Kepatuhan bank bjb has increased the role of the Compliance Division in the
secara organisasi. Yakni, dengan memisahkannya dari Satuan Kerja organization, namely by separating it from the Legal Division so that
Hukum agar pengelolaan risiko kepatuhan terus meningkat sejalan compliance risk management continues to improve in line with the
dengan penerapan manajemen risiko yang telah berjalan secara implementation of risk management as a whole.
Corporate Data
keseluruhan.
Hal ini dilakukan sejalan dengan semangat yang terkandung dalam This was conducted in line with the spirit embodied in the principle of
asas GCG, yaitu terkait dengan responsibilitas yang mengandung GCG which is related to the responsibilities that contain the elements
unsur kepatuhan terhadap aturan. Selain itu, juga demi of compliance towards the rules, also to enhance the principle of
meningkatkan asas akuntabilitas, yakni dalam rangka pengelolaan accountability in order to manage bank bjb responsibly.
bank bjb yang bertanggung jawab.
Kriteria ARA No. III.2.3 51

Direktur Konsumer Direktur Utama Direktur Kepatuhan Direktur Operasi

Managing Director – Consumer President Director dan Manajemen Risiko Managing Director – Operation
Arie Yulianto Bien Subiantoro Managing Director – Compliance Djamal Muslim
and Risk Management
Zaenal Aripin
52
Apresiasi Appreciation
Atas nama segenap Direksi, kami mengucapkan terima kasih On behalf of the entire Board of Directors, we express our gratitude
kepada para pemegang saham dan pada pemangku kepentingan to our shareholders and stakeholders whom have always given their
yang selama ini senantiasa memberikan kepercayaan dan trust and support to the Company. To all employees, we also express
dukungan kepada bank bjb. Kepada seluruh karyawan, kami juga our highest appreciation for their dedication. With good cooperation,
menyampaikan penghargaan setinggi-tingginya atas dedikasi we are confident that bank bjb will be able to face the challenges
yang telah diberikan. Dengan kerja sama yang baik, kami yakin and achieve the vision and mission proclaimed, especially making bjb
bank bjb akan mampu menghadapi tantangan serta meraih visi dan as one of the leading banks Indonesia.
misi yang sudah dicanangkan, terutama menjadikan bjb sebagai
Introduction
salah satu bank papan atas di Indonesia.
Atas nama Direksi

On behalf of the Board of Directors
Performance
Bien Subiantoro
Direktur Utama
President Director
Good Corporate
Governance
Corporate Social
Responsibility
Consolidated
Corporate Data
53
Tinjauan Rencana
dan Strategi
Plan and Strategy Review
Pada tahun 2013, kondisi perekonomian global masih diliputi In 2013, global economic condition was still exposed to uncertainty.
suasana ketidakpastian. Negara-negara maju, terutama Amerika Developed countries, especially the U.S. and Europe were still
dan Eropa masih berjuang untuk pulih dari imbas krisis yang terjadi struggling to recover from the impact of the crisis earlier.
sebelumnya.
Di tengah situasi itu, pertumbuhan ekonomi negara-negara Emerging In the midst of this situation, the economic growth of emerging
Market seperti China dan India juga mengalami perlambanan. market countries such as China and India were also experiencing
Namun, Indonesia masih yakin perekonomian nasional akan tetap slowdown. However, Indonesia still believed the national economy
tumbuh positif, yaitu di kisaran 6,3%-6,7%. will continue to grow positively, namely within the range of
6.3%-6.7%.
Sumber pertumbuhan itu diperkirakan berasal dari dua hal. Pertama, The growth was estimated to have come from two things, first the
peningkatan konsumsi rumah tangga. Bagi Perseroan, hal ini akan increase in household consumption. For bank bjb the increase in
mendorong kredit konsumtif, terutama kredit KGB masih dapat household consumption will boost consumer credit, especially the
dijadikan champion product kredit. KGB credit which was still considered to be the ‘champion’ of the
credit products.
Kedua, dari peningkatan investasi asing, peran investasi yang The second source of growth was estimated to be the increase in
tetap stabil dan bahkan cenderung meningkat diharapkan dapat foreign investment. Investment that remained stable and even
menjadi penyeimbang terhadap ekspor yang cenderung mengalami tended to increase was expected to balance the decreasing export.
penurunan. Pertumbuhan investasi tahun 2013 diperkirakan sama The growth of investment growth in 2013 was estimated to be
dengan perkiraan di tahun 2012, yaitu di kisaran 10%-10,4%. equal as the number predicted in 2012, namely in the range of 10%
-10.4%.
Untuk sektor perbankan termasuk bank bjb diharapkan dapat For the banking sector, including bank bjb, banks were expected
menciptakan pertumbuhan kredit baik untuk penggunaan investasi to create credit growth either for investment use or working capital
ataupun modal kerja khususnya di sektor riil. particularly in the real sector.
Bersamaan dengan itu, pemerintah menetapkan target inflasi sebesar At the same time, the Government set an inflation target of 4.9%,
4,9%, turun dibandingkan dengan target inflasi tahun 2012 yang lower than the inflation target in 2012 which was 5.3%. With
5,3%. Dengan tingkat inflasi yang stabil, diharapkan tingkat SBI rate stable inflation rate, BI rate was expected to decrease or remain
54
Introduction
Performance
bisa turun atau tetap terjaga di 5,75%, lebih rendah dibandingkan at the level of 5.75%, lower than the 6.5% in 2012. This affected
Good Corporate
Governance
tahun 2012 yang sebesar 6,5%. Hal ini berpengaruh terhadap the determination of bank bjb’s interest rates, both in loans and
penetapan tingkat suku bunga yang berlaku di bank bjb, baik kredit deposits.
maupun dana pihak ketiga.
Sedangkan untuk nilai tukar rupiah terhadap dolar AS, Bank Furthermore, Bank Indonesia estimated the value of Rupiah against
Indonesia memperkirakan ada di posisi Rp 9.200-9.400, lebih tinggi the U.S. Dollar to be in the range of Rp 9200-9400, higher than the
Corporate Social
Responsibility
dibandingkan tahun sebelumnya. Sementara tingkat pertumbuhan previous year. Meanwhile the level of export and import growth was
ekspor dan impor diasumsikan terjadi penurunan dibandingkan assumed to decline compared to the year 2012.
tahun 2012.
Iklim Usaha Business Climate

Sepanjang tahun 2013, perekonomian Indonesia mengalami Throughout the year 2013, the Indonesian economy experienced
tekanan eksternal akibat krisis perekonomian dunia. Namun external pressure due to the crisis of the world economy. However,
Consolidated
demikian, fundamental perekonomian Indonesia tetap kokoh yang Indonesia’s economic fundamentals remain solid, supported by the
ditopang oleh stabilnya konsumsi masyarakat, membaiknya kinerja stable private consumption, the improving investment performance,
investasi, dan kinerja sektoral. and improving sectorial performance.
Lapangan Usaha 2013 Business Sector

Pertanian, Peternakan 3,7 – 4,1 Agriculture, husbandry
Corporate Data
Pertambangan dan Penggalian 2,8 – 3,2 Mining and Extraction

Industri Pengolahan 6,5 – 6,9 Processing Industry
Listrik, Gas, dan Air Bersih 6,6 – 7,0 Electricity, Gas, and Water
Konstruksi 7,5 – 7,9 Construction
Perdagangan, Hotel, Restoran 8,9 – 9,3 Trading, Hotel, Restaurant
Pengangkutan dan Komunikasi 12,1 – 12,5 Transportation and Communication
Keuangan, Real Estat & Jasa Perusahaan 6,1 – 6,5 Financial, Real Estate & Business Services
Jasa-Jasa 6,0 – 6,4 Services
Produk Domestik Bruto 6,8 – 7,2 Gross Domestic Product
55
Tinjauan Rencana Dan Strategi Plan and Strategy Review
Dari data tersebut dapat dilihat bahwa jasa pengangkutan From these data, it can be seen that transport and communication
dan komunikasi memiliki perkiraan pertumbuhan terbesar. Hal services were predicted to have the largest growth. This is supported
itu didukung oleh besarnya jumlah penduduk Indonesia yang by the large number of Indonesian population needing transportation
membutuhkan jasa pengangkutan. Selain itu, minat masyarakat services. Moreover, public interest in fulfilling communication needs
terhadap pemenuhan kebutuhan komunikasi juga makin tinggi, was also higher, therefore the two services had positive trend.
sehingga dua bidang jasa tersebut masih memiliki trend positif.
Sektor lain yang menjadi prioritas pengembangan adalah Another sector that became the priority of development was trade,
perdagangan, hotel dan restoran. Perkiraan pertumbuhannya pada hotels and restaurants. The estimated growth of this sector for 2013
tahun 2013 sebesar 8,9%-9,3%. Pertumbuhan sektor ini terutama was in the range of 8.9% -9.3%. The growth of this sector was
didukung oleh pengembangan industri pariwisata, ritel, dan industri- mainly supported by the development of the tourism industry, retail,
industri lain yang utamanya terkait dengan pemenuhan konsumsi and other industries mainly related to the fulfilment of domestic
domestik dan kegiatan impor. consumption and import activities.
Berdasarkan data di atas, maka ekspansi kredit produktif bank Based on the above data, bank bjb’s productive credit expansion was
bjb yang dimotori oleh kredit mikro masih memiliki peluang besar driven by the micro credit which remained to have great opportunity
dengan pangsa pasar yang luas. and large market share.
Landasan Rencana Dan Strategi Foundation of the Plans and Strategies
Visi Vision
Menjadi 10 Bank Terbesar dan Berkinerja Baik di Indonesia To become one of the 10 largest banks with good performance in
Indonesia
Misi
1. Penggerak dan pendorong laju perekonomian daerah Mission
2. Melaksanakan penyimpanan uang daerah 1. Propel and drive the region’s economy
3. Salah satu sumber pendapatan asli daerah 2. As the place to store money of the region
3. Become one of the source of income for the region
Perencanaan Korporasi Corporate Planning

Dalam rangka memberikan arah yang jelas dalam pencapaian visi, In order to provide clear direction in the achievement of the
maka perlu diterapkan perencanaan korporat atau corporate plan vision, corporate planning and strategies that directs the business
dan strategi yang mengarahkan pengembangan bisnis Perseroan. development of bank bjb are necessary to be applied. To that end,
Untuk itu, manajemen telah menetapkan arah pencapaian dalam the Management has set the direction of achievement in the road
road map sebagai berikut: map as follows:
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
56
Prioritas Bisnis 2013 2013 Business Priorities
Sebagai tahapan lanjutan dari pencapaian “next level”, bank As the continuing stage to achieve the “next level”, bank bjb was
bjb diarahkan untuk menjadi bank nasional yang tumbuh directed to become a national bank growing sustainably with high
berkesinambungan dengan tingkat profitabilitas tinggi dan unggul profitability and excel in the field of services. Thus, bank bjb can
dalam bidang pelayanan. Dengan demikian, bank bjb dapat tumbuh grow into a larger, stronger, and better bank. This was reflected in
menjadi bank yang lebih besar, lebih kuat, dan lebih baik. Hal itu the assets which continued to grow, stronger capital structure, and
dapat tercermin dari aset yang senantiasa tumbuh hingga menjadi better quality of services.
lebih besar, struktur permodalan yang kuat, dan kualitas pelayanan
yang lebih baik.
Introduction
Oleh karena itu, prioritas rencana bisnis tahun 2013 selain Therefore, in 2013 the priority of the business in addition to
meningkatkan kredit, terutama kredit konsumtif dan kredit mikro, improving credit, especially consumer loans and micro credit, was
juga ditekankan kepada peningkatan kompetensi SDM dan also emphasized to increase the competence of human resources
teknologi informasi yang terintegrasi. and integrated information technology.
Selain itu, menjadikan bank bjb incorporated dalam bidang syariah, In addition, bank bjb was to be incorporated in the field of Sharia,
Performance
asuransi, dan sekuritas. Dengan strategi tersebut, diharapkan bank insurance, and securities. With this strategy, bank bjb was expected
bjb menjadi salah satu bank besar yang memiliki pelayanan unggul. to be a big bank with superior services.
Kebijakan Umum Direksi Tahunan (KUDT) Tahun 2013 ini merupakan The Annual General Policy of the Board of Directors (KUDT) in 2013
dasar serta pedoman dalam menyusun Rencana Bisnis bank bjb became the basis and the guidelines in preparing the Bank’s 2013
tahun 2013 dan merupakan landasan pelaksanaan tugas seluruh Business Plan and was the basis of the implementation of tasks
jajaran organisasi baik di Kantor Pusat, Kantor Wilayah, dan Kantor throughout the organization at the Head Office, Regional Offices
Good Corporate
Governance
Cabang. and Branch Offices.
Berikut ini empat prioritas tersebut: The four priorities are described as follows:
1. Sumber Daya Manusia 1. Human Resources

Perseroan memandang kebutuhan terhadap Sumber Daya The company saw the need for human resources (HR) with
Corporate Social
Responsibility
Manusia (SDM) yang berkualitas dan berintegritas merupakan quality and integrity as one of the main requirements for
salah satu syarat utama pertumbuhan usaha bank bjb. Karena business growth. Therefore, the development of HR competence
itulah, pengembangan kompetensinya merupakan suatu is a must.
keharusan.
Melanjutkan strategi tahun sebelumnya, hal itu dilakukan melalui Continuing the strategy of the previous year, several efforts were
beberapa upaya, di antaranya: conducted, including:
Consolidated
a. Peningkatan peran dan fungsi Assessment Center yang a. Increase the role and function of the integrated Assessment
terintegrasi dengan training program academy. Centre with the academy program training.
b. Mengembangkan program pendidikan dan pelatihan sesuai b. Develop education and training programs according to the
dengan perkembangan bisnis bank. bank’s business development.
c. Pengembangan sistem informasi SDM yang komprehensif c. Develop a comprehensive and integrated human resources
dan terintegrasi sehingga dapat memberikan peta kondisi information system so as to provide a map that identifies
Corporate Data
pegawai yang ada saat ini dan arah pengembangan pegawai the condition of the existing personnel and how employee
yang harus dilakukan. development should be conducted.
2. Teknologi Informasi 2. Information Technology

Pengembangan teknologi informasi yang terintegrasi dilakukan Development of an integrated information technology was
untuk mendukung tujuan bisnis bank. Sehingga, Perseroan conducted to support the Bank’s business objectives, thus bank
dapat menjadi bank yang besar dan memiliki layanan unggul. bjb can be a big bank with excellent services.
Untuk itu, pengembangan teknologi informasi diarahkan untuk To that end, the development of information technology was
menyediakan layanan perbankan yang aman, cepat, mudah, directed to provide safe, fast, easy, and customer oriented
serta customer oriented, melalui hal-hal sebagai berikut: banking services, through the following:
57
a. Pengembangan core banking system yang andal. a. The development of a reliable core banking system.
b. Meningkatkan infrastruktur yang memadai dalam rangka b. Increasing adequate infrastructure for the expansion of
perluasan layanan electronic banking. electronic banking services.
c. Pengembangan features layanan perbankan yang lebih c. The development of a wider range of features of the banking
beragam dan multi channel. services and multi-channel.
d. Menerapkan GCG dalam proses pengadaan dan d. Applying GCG in the procurement process and the
pengembangan teknologi informasi. development of information technology.
e. Meningkatkan kompetensi pegawai dalam pengembangan e. Increasing employee competence in the development and
dan operasional teknologi informasi secara mandiri dan the operations of information technology independently and
berkelanjutan. sustainably.
3. Kualitas Layanan 3. The Quality of Services

Pengembangan budaya layanan pada tahun 2013 diarahkan The development of services in 2013 was directed to create
agar tercipta services culture melalui: services culture through:
a. Implementasi “Pengembangan Budaya Layanan” di seluruh a. The implementation of “Services Culture Development” in
outlet bank bjb. all outlets of bank bjb.
b. Implementasi standardisasi aspek fisik (Premises) di seluruh b. The standardization of physical aspects (Premises) in all
outlet bank bjb outlets of bank bjb.
c. Evaluasi implementasi “Pengembangan Budaya Layanan” c. Evaluation of the implementation of “Services Culture
di seluruh outlet bank bjb, dengan sasaran tercatat dalam Development” in all outlets of bank bjb, with targets listed
kategori Bank Umum Nasional penilaian Bank Service in the category National Commercial Bank within the Bank
Excellent Monitoring (BSEM) versi MRI. Service Excellent Monitoring (BSEM) MRI version.
4. Membangun Inkorporasi 4. Establishing Incorporated

Percepatan pencapaian visi bank bjb dapat ditempuh dengan cara The achievement of bank bjb’s vision can be accelerated
organik dan anorganik. Secara anorganik, pertumbuhan bank organically and inorganically. Inorganically, bank bjb’s growth
bjb ditempuh melalui penyertaan modal untuk meningkatkan can be pursued through capital investment to increase the Bank’s
aset dan pendapatan bank. assets and earnings.
Pada tahun 2013, penyertaan modal akan dilakukan pada In 2013, capital investment was to be conducted on life insurance
perusahaan asuransi jiwa, multifinance, dan bank. Selain companies, finance companies, and banks. In addition, the
itu, mendorong peningkatan kinerja bank bjb Syariah dan performance of bank bjb Sharia and PT Asuransi Bangun Askrida
PT Asuransi Bangun Askrida, dan memberdayakan secara were improved, and the Rural Banks owned were empowered
optimal BPR yang dimiliki untuk melakukan merger. optimally for merger.

Kebijakan dan Strategi Manajemen Policy and Strategic Management
Secara lebih luas, pengembangan bank bjb untuk memasuki “next More broadly, the development of bank bjb to enter the “next level”
level” seperti yang sudah ditetapkan, mengarahkan Perseroan as previously set, directs the Company to become larger in terms of
untuk menjadi lebih besar dari sisi aset dan laba, lebih kuat dari assets and profits which became stronger than the capital, as well as
permodalan, serta lebih baik dari sisi pelayanan. become better in terms of services.
Untuk mencapai tujuan tersebut, strategi manajemen yang akan To achieve these objectives, the strategic management implemented
dilaksanakan pada tahun 2013 sebagai berikut: in 2013 consisted:
A. Peningkatan komposisi dana pihak ketiga yang dilakukan A. Increased third-party funds through the following efforts:
melalui upaya: 1. Optimal DPK growth
1. Pertumbuhan DPK yang optimal. a. Intensified the growth of savings through the
a. Intensifikasi pertumbuhan tabungan melalui optimalisasi optimization of market penetration, among others
penetrasi pasar, antara lain melalui direct sales agency, through the direct sales agency, working closely with
yaitu bekerja sama dengan vendor untuk memasarkan vendors to market the savings products of bank bjb.
produk tabungan bank bjb. b. Optimized institutional banking for the mobilization of
b. Optimalisasi institutional banking untuk pengerahan funds from state-owned enterprises, regional-owned
dana dari BUMN, BUMD maupun institusi lainnya. enterprises or other institutional.
58
c. Menerapkan one stop service solution yang sesuai c. Applied one-stop service solution that fits the needs of
dengan kebutuhan nasabah korporasi secara corporate customers as a whole.
menyeluruh. d. Developed infrastructure and Cash Management system
d. Pengembangan infrastruktur dan sistem Cash for businesses/ government institutions.
Management untuk institusi bisnis/pemerintah. e. Added network of offices and ATMs in strategic
e. Penambahan jaringan kantor dan ATM pada lokasi- locations.
lokasi strategis. 2. Improved the quality of services
2. Peningkatan kualitas layanan a. The quality of services at the branches and ATMs were
a. Peningkatan kualitas layanan di cabang-cabang dan ATM improved intensively through the implementation of
secara intensif melalui implementasi budaya layanan. service culture.
Introduction
b. Peningkatan kualitas layanan electronic banking b. The quality of electronic banking services was improved
melalui dukungan teknologi informasi yang memadai through the support of adequate IT in order to provide
untuk memberikan pelayanan unggul dalam rangka superior customer services in order to enhance corporate
meningkatkan corporate image dan fee based income, image and fee-based income, among others consist the
antara lain: following services:
• Layanan SMS notification/broadcast. • SMS notification/ broadcast
Performance
• Pengembangan Pin Pad dan Prepaid Card. • Pin Pad and Prepaid Card.
• Pengembangan layanan KIOS Electronic. • Electronic KIOSK.
• Implementasi kartu ATM berbasis chip. • Chip-based ATM cards.
• Pengembangan jaringan pelayanan menggunakan • Service network using EDC and cards.
EDC dan kartu.
Good Corporate
Governance
B. Peningkatan penyaluran kredit dilakukan dengan upaya: B. Increased lending through the following efforts:
1. Akselerasi fungsi Bank sebagai lembaga intermediasi. 1. Acceleration of the Bank’s function as an intermediary
a. Peningkatan pemberian kredit baik sektor produktif bank.
maupun konsumtif dengan mengoptimalkan a. Increased lending both productive and consumptive
penggunaan dana dengan tetap memperhatikan prinsip sectors by optimizing the use of funds with regard to
kehati-hatian. the precautionary principle.
Corporate Social
b. Diversifikasi produk perkreditan yang memiliki value b. Diversification of credit products with value proposition
Responsibility
preposition dan daya saing. and competitiveness
2. Pertumbuhan kredit yang optimal dalam rangka 2. Optimal credit growth in order to increase the market share
meningkatkan pangsa pasar kredit. of credit.
a. Peningkatan pemasaran kredit melalui tenaga pemasar a. Increased the marketing of credit through the credit
kredit. sales force.
b. Mempertahankan serta terus melakukan ekspansi kredit b. Maintained and continued to expand consumer loans
Consolidated
konsumsi terutama kredit KGB, serta peningkatan especially the KGB credit, as well as increased the
portofolio KPR melalui pengembangan fitur produk dan KPR (mortgage) portfolio through the development of
kerja sama dengan pihak ketiga. product features and cooperation with third parties.
c. Perluasan jaringan serta optimalisasi fungsi waroeng c. Network expansion and optimization of the functions of
bjb. Waroeng bjb.
d. Implementasi sistem SBU untuk kredit mikro, konsumer, d. Implementation of the SBU system for micro, consumer,
Corporate Data
komersial dan korporasi. commercial and corporate loans.

e. Memanfaatkan ekses likuiditas treasury untuk disalurkan e. Utilizing excess liquidity in treasury for distribution to
ke dalam kredit skala besar. large-scaled credit.
f. Mempertahankan kualitas kredit. f. Maintained the quality of credit
g. Pengelolaan non-performing loan melalui pemantauan g. Managed non-performing loans through the monitoring
kolektibilitas pada setiap unit bisnis pengelola kredit. of collectability at each business unit managing credit.
h. Meningkatkan kualitas kajian terhadap risiko kredit h. Improve the quality of credit risk assessment as the effort
sebagai upaya untuk mengendalikan risiko kredit. to control credit risk.
59
C. Optimalisasi fee based income untuk mendukung C. Optimization of fee-based income to support the
pencapaian target laba bank. achievement of the Bank’s profit target.
1. Optimalisasi pengelolaan instrumen treasury dan 1. Optimizing the management of treasury and international
international banking banking instruments.
a. Money Market a. Money Market
b. Capital Market b. Capital Market
c. Sales, Forex, & Derivatif c. Sales, Forex, & Derivative
d. Trade Finance & Services d. Trade Finance & Services
e. Remittance dan Sertifikasi ISO 9001 e. Remittance and the Certification ISO 9001
2. Pengembangan jasa transaksi perbankan, penambahan 2. Development of banking services increased the number of
jumlah jaringan, serta ATM. networks, as well as ATMs.
a. Optimalisasi fungsi ATM bagi nasabah melalui a. Optimization of the ATM functions through the addition
penambahan fitur layanan ATM. of features within the ATM services.
b. Peningkatan penjualan produk wealth management. b. Increased the sales of wealth management products.
D. Pertumbuhan aset secara anorganik, melalui: D. Inorganic growth of assets through:

1. Akuisisi pada Perusahaan Asuransi, Multifinance, dan bank. 1. Acquisition of insurance and multi-finance companies, as
2. Optimalisasi kinerja Perusahaan Anak dan BPR. well as banks.
2. Optimization of the performance of subsidiaries companies
and rural banks.
E. Pengembangan manajemen untuk mendukung bisnis E. The development of Management to support the business
bank yang tumbuh berkesinambungan dengan tingkat of the Bank which is growing continuously with high level
profitabilitas yang tinggi. of profitability.
1. Perencanaan dan Change Management 1. Planning and Change Management
a. Menetapkan arah dan strategi Perseroan, baik jangka a. Determined the direction and strategies of the Company
pendek, jangka menengah, maupun jangka panjang in the short, medium term and long term to support the
untuk mendukung peningkatan pertumbuhan bisnis increase of bank bjb’s business growth.
bank bjb. b. Increased the quantity and quality of research for
b. Meningkatkan kuantitas dan kualitas riset untuk business development (including internal and external
pengembangan bisnis (termasuk analisis internal dan analysis).
eksternal). c. Improved the organizational structure to become
c. Menyempurnakan struktur organisasi bank yang efektif effective and efficient in supporting the targets and
dan efisien dalam menunjang sasaran dan tujuan bisnis objectives of the Company’s business.
Perseroan. d. Ensured the effectiveness and efficiency of projects /
d. Memastikan efektivitas dan efisiensi pelaksanaan proyek/ work programs implementation.
program kerja. e. Improved the quality of performance of the Bank’s
e. Peningkatan kualitas performa strategi bank bjb strategies by reviewing the key performance indicators
dengan cara me-review key performance indicator yang established, as well as implemented the Balanced
telah ditetapkan, serta mengimplementasikan Balanced Scorecard KPI individual.
Scorecard KPI individu.
2. Pengembangan Sumber Daya Manusia 2. Human Resources Development
a. Kebijakan dan pelaksanaan rekrutmen, career path, a. Policies and implementation of recruitment, career path,
serta Job grading. as well as job grading.
b. Penerapan sistem reward dan punishment. b. Implementation of the reward and punishment system.
c. Pengembangan sistem informasi terintegrasi melalui c. Development of an integrated information system
HRIS (Human Resources Information System). through HRIS (Human Resources Information System).
d. Pengembangan Assessment Center. d. Development of Assessment Centre.
e. Program pendidikan dan pelatihan yang mendukung e. Education and training programs that regularly and
bisnis Bank secara teratur dan berkesinambungan dalam continuously support the Bank’s business through the
Training Program Academy. Training Program Academy.
60
f. Meningkatkan kompetensi pegawai, baik di posisi f. Increased employee competence, both in managerial
manajerial maupun supporting melalui Training Program as well as supporting positions through the Training
Academy. Program Academy.
g. Menetapkan silabus program, silabus, dan anggaran g. Established program syllabus, education and training
pendidikan dan pelatihan melalui Soft skill Program syllabus and budget through Soft Skill Program
Academy. Academy.
3. Peningkatan Layanan Operasional 3. Improved Operational Services
a. Meningkatkan dan mengembangkan kualitas layanan a. Improved and developed better quality of services so as
menjadi lebih baik, sehingga tercipta service culture to create service culture that can compete with the good
yang dapat bersaing dengan standar layanan bank yang standards of bank services.
Introduction
baik. b. Optimization of the management of liquidity.
b. Optimalisasi pengelolaan likuiditas. c. Acceleration of LLD and SID reports
c. Percepatan laporan LLD dan SID. 4. The Bank’s Risk Management and the Bank’s Implementation
4. Penerapan Manajemen Risiko dan Pelaksanaan Kepatuhan of Compliance
Bank a. Develop the culture of risk awareness (risk culture)
a. Mengembangkan budaya sadar risiko (risk culture) b. Establish Risk Management System that meets the
Performance
b. Membangun Risk Management System yang memenuhi provisions of the Basel III standards.
ketentuan standar Basel III. c. Comprehensively manage the potential risks.
c. Mengelola potensi risiko secara komprehensif. d. Develop bank bjb integrated risk profile in order to ease
d. Mengembangkan profil risiko bank bjb secara control.
terintegrasi untuk mempermudah kontrol. e. Monitor and evaluate anti-money laundering and
e. Memonitor dan evaluasi program anti pencucian uang combat the financing of terrorism.
Good Corporate
Governance
dan pencegahan pendanaan terorisme. f. Implement zero fraud program
f. Melaksanakan zero fraud program 5. Improvement of Internal Control System
5. Peningkatan Sistem Pengawasan Internal a. Upgrade the internal audit as the Strategic Business
a. Meningkatkan audit internal sebagai Strategic Business Partner and ensure optimal implementation of SPFAIB.
Partner dan memastikan optimalnya penerapan SPFAIB. b. Provide assurance for the establishment of the Bank’s
b. Memberikan assurance atas terciptanya ketaatan compliance to the internal regulations of the Bank and
Corporate Social
perusahaan terhadap ketentuan internal dan kepatuhan the Bank’s compliance to external regulations.
Responsibility
bank terhadap ketentuan eksternal. 6. Accounting and Financial Reporting
6. Akuntansi dan Pelaporan Keuangan a. Standardization of the preparation of the financial
a. Standardisasi penyusunan laporan keuangan yang dapat statements to meet the elements of accuracy and
memenuhi unsur keakuratan dan tepat waktu. timely.
b. Pengembangan dan peningkatan pengelolaan data cost b. Development and improvement of data cost centre
center secara tepat waktu dan akurat. management in a timely and accurate manner.
Consolidated
c. Meningkatkan penyempurnaan dan penyesuaian sistem c. The increase of perfection and adjustments of the
akuntansi, ketentuan, dan sistem prosedur internal accounting systems, regulations, and internal procedures
sesuai perubahan business requirement definition. system according to the changes of the business
d. Sentralisasi dan otomasi pelaporan pajak. requirement definition.
7. Hubungan dengan Investor dan Promosi d. Centralization and automation of tax reporting.
a. Membangun sarana komunikasi dengan investor dan 7. Investor Relations and Promotion
Corporate Data
media. a. Establish a means of communication with investors and

b. Membangun corporate image. the media.
c. Peningkatan kualitas layanan bagi investor b. Build corporate image.
d. Mendukung pelaksanaan promosi pemasaran yang c. Improve the quality of services for investors
lebih efektif dan berkesinambungan. d. Support the implementation of more effective and
sustainable marketing campaigns.
61
Proyeksi Rencana Bisnis 2013 Business Plan Projection 2013

Dengan dukungan program yang direncanakan secara terintegrasi With the support of the programs planned integrated and
dan komprehensif, Perseroan mengharapkan sejumlah hal di bawah comprehensively, bank bjb expected to achieve:
ini bisa tercapai:
1. Aset 1. Asset
Posisi aset bank bjb di tahun 2011 sebesar Rp52,3 triliun dan The position of bank bjb’s assets in 2011 was Rp52.3 trillion
besaran market share mencapai 1,4%. Sedangkan rata-rata and the amount of market share reached 1.4%. Meanwhile the
pertumbuhan aset dari tahun 2007-2011sebesar 22,6%. average asset growth from 2007-2011 was 22.6%.
Pertumbuhan tersebut lebih tinggi dibandingkan dengan rata- The growth was higher than the average growth of national
rata pertumbuhan perbankan nasional yang sebesar 16,4%. banks which was 16.4%. Considering the vision to become one
Memperhatikan visi untuk mejadi 10 bank terbesar dan berkinerja of the 10 largest banks in Indonesia with good performance,
baik di Indonesia, maka target pertumbuhan aset tahun 2013 the target of asset growth in 2013 was directed to increase
diarahkan untuk meningkatkan market share, dengan besaran market share, with the amount of target reaching 1.6%. This
target mencapai 1,6%. Hal itu dilakukan melalui pertumbuhan was conducted through asset growth of 25%.
aset sebesar 25%.
2. Penghimpunan Dana Pihak Ketiga 2. Collection of Third-Party Funds

Dana pihak ketiga bank bjb pada tahun 2011 sebesar Rp bank bjb’s third-party fund in 2011 was Rp 37 trillion with
37 triliun dengan market share sebesar 1,3%. Rata-rata market share of 1.3%. The average growth of bank bjb’s third-
pertumbuhan DPK bank bjb selama lima tahun, yaitu 2007- party fund within five years namely 2007-2011 was 22.4%. This
2011, sebesar 22,4%. Ini lebih tinggi dari rata-rata pertumbuhan was higher than the average growth of the third-party fund of
DPK perbankan nasional yang 16,5%. DPK tahun 2012 sebesar national banks which was 16.5%. In 2012, third-party fund was
Rp 49,9 triliun, tumbuh 35,02% dari tahun sebelumnya, dengan Rp 49.9 trillion, growing 35.02% from the previous year, with
besaran market share 1,5%. market share of 1.5%.
Target DPK ditetapkan dengan rasio LDR yang harus dijaga di The target of TPF was determined using the LDR ratio which
kisaran 78,86%. Sehingga, pada tahun 2013, Perseroan harus had to be maintained in the range of 78.86%. Thus, in 2013,
meningkatkan DPK sebesar 23% dengan proyeksi market share bank bjb should have increased TPF as much as 23% with the
1,6%. projection of market share of 1.6%.

Adapun komposisi Dana Pihak Ketiga Tahun 2013 sebagai The composition of TPF in the Year 2013 was as follows:
berikut: giro sebesar 20%, tabungan 17%, dan deposito 20% current accounts, 17% savings accounts, and 63% time
63%. deposits.
3. Penyaluran Kredit 3. Credit Distribution

Posisi kredit bank bjb pada tahun 2011 sebesar Rp 26,9 triliun The position of credit of bank bjb in 2011 was Rp 26.9 trillion,
dengan besaran market share 1,2%. Rata-rata pertumbuhan with the number of market share of 1.2%. Average credit
kredit periode 2007-2011 mencapai 19,9%, di bawah rata- growth in the period 2007-2011 reached 19.9%, below the
rata kredit perbankan nasional pada periode yang sama, yaitu average credit growth of the national banks in the same period
21,7%. which was 21.7%.
Sedangkan tahun 2012, kredit mencapai Rp 35,7 triliun atau Meanwhile in 2012 credit wasreached Rp 35.7 trillion or an
tumbuh 32,2% dibanding posisi 2011 dengan besaran proyeksi increase of 32.2% compared to the position in 2011 with the
market share 1,33%. Penetapan target penyaluran kredit number of projected market share of 1.33%. Determination
ditetapkan dengan rasio LDR yang harus dijaga di kisaran of credit target was conducted using the LDR ratio which had
78,86%, sehingga pada 2013, Perseroan harus meningkatkan to be maintained in the range of 78.86%, thus in 2013, bank
pertumbuhan kredit sebesar 36% dengan proyeksi market share bjb should have increased credit growth by 36% with projected
1,5%. market share of 1.5%.
Adapun komposisi kredit tahun 2013 adalah sebagai berikut: The composition of credit in 2013 was: 54% consumer loan, 6%
konsumer sebesar 54%, KPR 6%, mikro 18%, dan komersial mortgage, 18% micro credit and 22% commercial credit.
22%.
62
Dengan meningkatnya ekspansi penyaluran kredit di tahun With the increasing expansion of lending in 2013, the target
2013, maka target NPL Gross diperkirakan sebesar 2,50% dan of Gross NPL was estimated to be 2.50% and net NPL was
NPL netto sebesar 0,60%. estimated to be 0.60%.
4. Asumsi Proyeksi Keuangan 4. Assumption on Financial Projection
A. Aset/Asset
• Pertumbuhan Asset/Growth Assets 25%
• Market Share 1,6%
Introduction
B. Dana Pihak Ketiga/Third Party Funds
• Pertumbuhan DPK/Growth DPK 23%
• Komposisi Berdasarkan Segmentasi/Composition by Segments
- DPK Korporasi/Corporate DPK 69%
- DPK Ritel/Retail DPK 31%
Performance
• Komposisi Berdasarkan Produk/Composition by Products
Giro/Current Accounts 20%
- Tabungan/Saving Accounts 17%
- Deposito/Deposits 63%
C. Kredit Yang Diberikan/Loans
Good Corporate
Governance
• Pertumbuhan Kredit/Growth Loans 36%
• Komposisi Berdasarkan Segmentasi/Composition by Segments
> Kredit Konsumer/Consumer Loans 54%
> Kredit KPR/Mortgage Loans 6%
> Kredit Mikro/Micro Loans 18%
> Kredit Komersial/Commercial Loans 22%
Corporate Social
Responsibility
• Komposisi Berdasarkan Jenis Penggunaan/Composition by Usage
> Kredit Konsumsi/Consumer Credit 60%
> Kredit Produktif/Earning Credit 40%
• NPL
> NPL Gross 2,50%
> NPL Netto 0,60%
Consolidated
D. Permodalan/Capital
• CAR 16,40%
E. Rentabilitas/Profitability
• ROE 24,30%
• ROA 2,18%
• NIM 6,5%
Corporate Data
• BOPO 82,3%
F. Likuiditas/Liquidity
• LDR 78,86%
Catatan: Notes:
• market share aset dihitung dari proyeksi asset bank bjb tahun 2013 • asset market share is calculated from projected bjb bank assets in
dibagi proyeksi aset perbankan nasional tahun 2013. 2013 divided by the projected national banking assets in 2013.
• market share dana pihak ketiga dihitung dari proyeksi dana pihak • deposits market share is calculated deposits from banks projections
ketiga bank bjb tahun 2013 dibagi proyeksi dana pihak ketiga bjb in 2013 divided projection third party funds of national banks in
perbankan nasional tahun 2013. 2013.
• market share kredit dihitung dari proyeksi kredit bank bjb tahun • credit market share is calculated on the projected bank credit bjb of
2013 dibagi proyeksi Kredit perbankan nasional tahun 2013. 2013 divided the projected national bank loans in 2013.
63
01
Analisa &
Pembahasan atas
Kinerja Perseroan
Management Discussion & Analysis on Company Performance
64
Performance
65
Tinjauan Bisnis Business Review
Tinjauan
Bisnis
BUSINESS REVIEW

Tinjauan Industri Industry Review
“Perseroan konsisten untuk fokus

pada segmen bisnis yang risikonya
telah dikenali”.
“The company is consistent to focus on the business
segment that risk is already recognized”.
Introduction
Performance
Good Corporate
Governance
Kondisi Makro Ekonomi Macro-Economic Condition
Pada tahun 2013, industri perbankan mengalami tekanan cukup In 2013, the banking industry experienced considerable pressure,
besar, baik dari luar maupun dalam negeri. Di tingkat global, negara- both from outside and within the country. At the global level,
negara maju masih berjuang mengatasi perlambanan ekonomi. developed countries were still struggling to overcome the economic
slowdown.
Corporate Social
Responsibility
Situasi tersebut berimbas kepada perekonomian dalam negeri. The situation provided impact for Indonesia. The national economy
Ekonomi nasional hanya tumbuh 5,7%, dari target 6,3%, seperti grew only 5.7%, of the targeted 6.3%, as set out in the State Budget.
ditetapkan dalam Anggaran Pendapatan dan Belanja Negara (APBN). Meanwhile annual inflation in December 2013 reached 8.38%.
Sementara inflasi tahunan pada Desember 2013 mencapai 8,38%.
Di tengah ketidakpastian, gejolak di pasar keuangan global turut In the midst of uncertainty, turmoil in the global financial markets
Consolidated
memberikan tekanan terhadap perekonomian dalam negeri. Hal helped provide pressure on the domestic economy. This was mainly
itu, dipicu oleh isu pengurangan secara bertahap (tapering) stimulus triggered by the issue of gradual reduction (tapering) of monetary
moneter (Quantitative Easing) di Amerika Serikat, sebagai negara stimulus (Quantitative Easing) by the United States of America, the
perekonomian terbesar di dunia. country with the largest economy in the world.
Masalah ini menimbulkan sentimen negatif di pasar keuangan, This raises negative sentiment in the financial markets, thus giving
sehingga melahirkan capital reversal di negara-negara berkembang. birth to capital reversal in developing countries. No exception with
Corporate Data
Tak terkecuali dengan yang terjadi di Indonesia. Dana asing banyak Indonesia. Foreign funds exit the country, providing pressure to the
keluar, sehingga ikut memberikan tekanan terhadap pasar keuangan domestic financial market.
di dalam negeri.
Nilai tukar rupiah terhadap dolar terkena imbas. Bahkan hingga The Rupiah exchange rate against US Dollar was also affected. By the
akhir tahun 2013, kurs rupiah yang pada awalnya ada di kisaran end of 2013, the exchange rate which was initially in the range of
Rp9.000 per dolar, sudah menembus Rp12.000 per dolar. Rp9,000 per dollar penetrated the number Rp12,000 per dollar
Sebagai salah satu respons perekonomian Indonesia terhadap As one of Indonesia’s economic response to the pressure from the
tekanan dari perekonomian global, Bank Indonesia sepanjang tahun global economy, during the year 2013, Bank Indonesia raised the BI
2013 sudah lima kali menaikkan suku bunga acuan (BI Rate). Jika rate as many as five times. In January BI rate was still 5.75% and had
pada Januari masih 5,75%, mulai November telah menjadi 7,50%. become 7.50% in November.
67
Tekanan yang berasal dari kondisi makro dan pasar keuangan global Pressures from the global macro-economic and financial conditions
ini meningkatkan risiko pada sektor keuangan di dalam negeri. increased the risks in the domestic financial sector. Nevertheless, the
Kendati demikian, secara umum ketahanan sektor tersebut di general resilience of the financial sector in Indonesia was relatively
Indonesia masih cukup terjaga. maintained.
Hal itu ditunjukan melalui Indeks Stabilitas Sistem Keuangan hasil This was reflected through the Financial System Stability Index, a
kajian Bank Indonesia, yang menyebutkan situasinya masih normal. study result from Bank Indonesia, which stated the situation was
Kondisi tersebut berarti kombinasi dari pengaruh tekanan yang ada normal. The condition means the combination of the effects of the
masih bersifat terbatas. pressure was still limited.
Sebagai badan usaha yang terus tumbuh dan berupaya As a Company that continues to grow and seeks to develop our
mengembangkan jaringan dan jangkauannya, Perseroan senantiasa network and scope, bank bjb always considers the various external
memperhatikan berbagai faktor eksternal yang memberi dampak factors that provide impacts to our business. Therefore, bank bjb
kepada bisnisnya. Karena itulah, bank bjb konsisten untuk fokus consistently focus the business on the segment with risks that are
pada bisnis yang bertumpu di segmen yang telah dikenali risikonya. already identified, followed by the development of other segments,
Kemudian, diikuti dengan pengembangan ke segmen lainnya, sejalan in line with the readiness of the supporting infrastructure.
dengan kesiapan infrastruktur pendukung.
Usaha bank bjb dimulai dengan mengoptimalkan potensi yang bank bjb business began by optimizing the potentials that exist in
ada di lingkungan terdekat, yakni wilayah Jawa Barat dan Banten, the nearest neighbourhood, namely the region of West Java and
kemudian diperluas ke luar wilayah. Banten, and then extended to other areas.
Begitu pula dengan pengembangan produk dan layanan, Similarly with the development of products and services, the
Perseroan mengawalinya dengan transaksi perbankan untuk Company began with banking transactions for the smaller scope,
lingkup yang lebih kecil, hingga bertumbuh dan berkembang subsequently growing and developing just like other commercial
selayaknya bank umum yang menyediakan layanan perbankan banks that provide banking services for the public.
bagi masyarakat luas.
Pertumbuhan Kredit 2013 bank bjb dan Industri Pertumbuhan Tabungan 2013 bank bjb dan Industri
Credit Growth in 2013 Company and Industry Savings Growth in 2013 Company and Industry
21,80%
11,20%
bank bjb
Company bank bjb
27,71% Industri
35,38%
Company
Industry Industri
27,71% Industry
35,38%
Akibat kondisi makro ekonomi yang cenderung memberi tekanan In banking industry, particularly an increase in the benchmark rate
terhadap industri perbankan, terutama adanya kenaikan suku raises the potential of higher cost of funds. The interest rate of the
bunga acuan, hal itu menimbulkan potensi semakin tingginya cost Company was raised conservatively in order to avoid greater risks.
of fund pada perbankan. Suku bunga pada Perseroan pun dinaikkan
secara konservatif guna menghindari risiko yang lebih besar.
68
Introduction
Performance
Good Corporate
Governance
Corporate Social
Responsibility
Hal itu menyebabkan penghimpunan dana pihak ketiga, This made the collection of third-party funds, mainly in the form of
terutama pada tabungan berjangka seperti deposito, menjadi deposits such as time deposits, become less competitive. Over the
kurang kompetitif. Sepanjang tahun lalu, Perseroan hanya dapat past year, the Company was only able to realize third-party funds as
merealisasikan penghimpunan dana pihak ketiga sebesar 91,27% much as 91.27% of the targeted third-party fund.
dari target yang ditetapkan.
Kendati demikian, untuk porsi tabungan, realisasinya melampaui Nevertheless, for savings, realization exceeded the target, that is Consolidated
target, yaitu 109,82% dari target. Dari sisi pertumbuhan dibandingkan 109.82% of the target. In terms of growth over the previous year,
tahun sebelumnya, bahkan lebih tinggi dari rata-rata pertumbuhan the growth of savings was even higher than the average growth of
tabungan pada bank umum. Tabungan yang berhasil dihimpun bank savings of the commercial banks. The growth of savings bank bjb
bjb tumbuh 35,38% secara tahunan (YoY), sementara rata-rata was 35.38% YoY, meanwhile the average growth of savings of
Corporate Data
perbankan hanya 11,20%. commercial banks was only 11.20%.
Dari sisi penyaluran dana untuk kredit, kinerja bank bjb juga di atas In terms of credit distribution, bank bjb performance was also above
rata-rata perbankan pada umumnya. Laju pertumbuhan kredit yang the average performance of banking in general. bank bjb rate
disalurkan bank bjb sepanjang tahun 2013 mencapai 27,71%. of credit growth during the year 2013 reached 27.71% over the
69
Sementara rata-rata perbankan nasional, seperti dilaporkan dalam previous year. Meanwhile the average rate of credit growth in the
data Statistik Perbankan Bank Indonesia, hanya tumbuh sebesar national banking industry, as reported in the Banking Statistics data
21,80%. of Bank Indonesia, only grew by 21.80%.
Kinerja bank bjb yang masih positif tersebut ikut memberikan bank bjb performance is still positive involved a major influence on the
pengaruh besar terhadap pembukuan laba. Hingga akhir tahun lalu, accounting profit. Until late last year, profit up 105.62% achievement
pencapaian laba hingga 105,62% dari target atau tumbuh 47,01% of the target or grow 47.01% compared to the previous year.
dibandingkan tahun sebelumnya.
Sedangkan dari sisi aset, walaupun tidak mencapai target yang In terms of assets, the assets of the Company remained to grow
diproyeksikan, namun tetap mengalami pertumbuhan yang positif. positively although not achieving the target. If the assets of the
Jika pada tahun 2012 aset Perseroan sebesar Rp66,99 triliun, pada company in 2012 amounted Rp66,99 trillion, in 2013 the assets of
tahun 2013 tumbuh 0,07% menjadi Rp67,04 triliun. the Company grew by 0.07% to Rp67,04 trillion.
Prospek 2014 Prospect in 2014

Jika sepanjang tahun 2013 tingkat inflasi terus merangkak naik During 2013, the inflation rate continued to rise from 4.57% in
dari posisi 4,57% pada Januari 2013 dan berakhir di level 8,38% January 2013 and ended at the level of 8.38% in December 2013. In
pada Desember 2013. Pada januari 2014, tingkat inflasi justru mulai January 2014, the inflation rate started to show stability and at the
menunjukan kestabilan dan berada pada level 8,22% (YoY). Bahkan level of 8.22% (YoY). The Government believes, as reflected in the
pemerintah yakin, seperti tercermin pada APBN 2014, inflasi tahunan State Budget 2014, the annual inflation rate will be at 5.5%.
akan berada di angka 5,5%.
Dengan terkendalinya inflasi, diharapkan memberikan peluang Bank Controlled inflation is expected to provide an opportunity for Bank
Indonesia untuk dapat menurunkan suku bunga acuan menjadi lebih Indonesia to decrease the BI rate in order to be more competitive.
kompetitif. Karena itu, secara umum, prospek usaha perbankan Therefore, in general, the prospect of the banking business in 2014
sepanjang tahun 2014 tetap memiliki peluang tumbuh dari tahun still has the chance to grow from 2013, although moderate. One of
2013, walaupun moderat. Salah satu faktor yang menjadi peluang the factors that becomes an opportunity is the large population and
adalah jumlah penduduk yang besar dan potensi pasar yang belum untapped market potentials.
digarap.
Selain itu, data Lembaga Penjamin Simpanan (LPS) juga menunjukan In addition, the data from the Deposit Insurance Corporation also
indikator yang positif. Ada kenaikan yang signifikan pada jumlah showed a positive indicator. There was a significant increase in the
rekening yang dihimpun oleh perbankan Indonesia, walaupun number of accounts collected by Indonesian banks, although the
mayoritas atau 97,72% nilai simpanan dari masing-masing rekening majority or 97.72% of the deposit value of each the account is still in
tersebut masih pada kisaran kurang dari Rp100 juta. the range of less than Rp100 million.
70
Nilai Simpanan & Jumlah Rekening Nasabah pada
Bank Umum
Deposits Account & Total Customer Account in Commercial Bank
REKENING/ACCOUNT
TAHUN PERTUMBUHAN/ PERTUMBUHAN/
JUMLAH/TOTAL NOMINAL
YEAR GROWTH GROWTH
(Unit) (Rp Milliar)
(%) (%)
2009 88.086.017 6,48 1.995.789.56 12,84
Introduction
2010 97.204.863 10,35 2.370.982.77 18,8
2011 101.503.564 4,42 2.830.322.74 19,37
2012 119.917.930 18,14 3.277.154.34 15,79
2013* 140.527.064 17,19 3.617.854.69 10,4
Sumber: Otoritas Jasa Keuangan Sources: Financial Services Authority
2013* : Hingga November 2013* : Until November
Performance
Selain itu, data Otoritas Jasa Keuangan (OJK) tentang statistik In addition, the data of the Financial Services Authority (OJK)
perbankan juga mengungkapkan bahwa nilai DPK di bank umum on banking statistics also revealed that the value of deposits in
terus mengalami peningkatan, kendati dari sisi pertumbuhannya commercial banks continued to increase; despite in terms of growth
mengalami perlambanan. Dana nasabah yang terhimpun di it experienced slowdown. Customer funds collected in commercial
Good Corporate
Governance
perbankan umum pada tahun lalu tumbuh 14% dibandingkan banks last year grew 14% over the previous year.
tahun sebelumnya.
Dengan melihat kondisi tersebut, bank bjb menyusun prioritas By looking at these conditions, bank bjb established business plan
rencana bisnis untuk tahun 2013. priorities for the year 2013.
Corporate Social
Responsibility
Dana Pihak Ketiga di Bank Umum
(Hinggga Desember 2013, dalam miliar Rupiah)
Third Party Fund in Commercial Bank
(Until December 2013, in billion Rupiah)
Status 2009 2010 2011 2012 2013 Status

Total DPK 1.950.712 2.338.824 2.785.024 3.225.198 3.663.968 Total DPK
Pertumbuhan (%) 11% 20% 19% 16% 14% Growth (%)
Consolidated
Dengan melihat kondisi tersebut, bank bjb menyusun prioritas By looking at these conditions, bank bjb also established business
rencana bisnis untuk tahun buku 2014 sebagai berikut: plan priorities for the financial year 2014 as follows:
1. Efisiensi biaya operasional dalam rangka meningkatkan daya 1. Operational cost efficiency in order to enhance the competitiveness
saing dan kinerja bank. and performance of the bank.
2. Pengembangan dan peningkatan kualitas layanan. 2. Develop and improve of the quality of services.
3. Pengembangan kompetensi sumber daya manusia dan teknologi 3. Develop the competencies of human resources and information
Corporate Data
informasi. technology.
4. Mengembangkan bjb Incorporated. 4. Develop bjb Incorporated.
Terkait dengan rencana mengembangkan integrasi bisnis dengan Associated with the plan to develop business integration with the
perusahaan anak, dilakukan dalam rangka meningkatkan kinerja subsidiary companies, implementation was conducted to improve
perusahaan demi terwujudnya cita-cita menjadikan bank bjb sebagai the performance of the Company in order to realize the ideals of
salah satu bank terbesar di Indonesia. Adapun langkah integrasi making bank bjb as one of the largest banks in Indonesia. One of the
tersebut, salah satunya meliputi integrasi sistem. steps of the integration includes the integration of system.
71
Hal itu dilakukan untuk mempermudah pengolahan data. Integrasi This was conducted to facilitate the processing of data. The
sistem ini akan mendukung kerja sama Host to Host antara Perseroan integration of system will support Host to Host cooperation between
dengan perusahaan anak melalui perantara switching system. the Company and its subsidiaries through the intermediary of
switching system.
Keterangan Jenis Kerja Sama Kontribusi
Description Cooperation Type Contribution
bank bjb Syariah - Penambahan Gerai Syariah di beberapa Manfaat:
kantor cabang bank bjb - Diversifikasi layanan dan produk
Addition of Sharia Outlet in several bank bjb Services and Product Diversification
branch offices - Meningkatkan profitabilitas bjb dari dividen
- Proses kerja sama Host to Host antara bank Increasing bank bjb profitability from
bjb dan bank bjb Syariah dividends received
Host to Host interface process between bank
bjb and bank bjb Syariah
PT Asuransi Bangun Askrida - Pertanggungan atas Kredit Guna Bhakti, KPR, - Meningkatkan profitabilitas bjb dari dividen
garansi bank, dan mikro di bank bjb Increasing bank bjb profitability from
Collateral on Kredit Guna Bhakti, KPR, bank dividends received
guarantee, and micro loan in bank bjb - Mendukung peningkatan DPK
- Penempatan dana Askrida di bank bjb Support for increased third party funds
Placement of Askrida funds at bank bjb
BPR - Penyaluran kredit linkage program dan kredit Meningkatkan profitabilitas bjb baik dari
eksekuting (Rekening Koran) penerimaan bunga kredit dan sekaligus
Disbursement of linkage program loans and peningkatan penerimaan dividen
executing loans (overdraft loans)
- Kerja sama Host to Host antara bank bjb Increased profitability for bank bjb from loan
dan BPR (untuk sementara hanya untuk BPR interest income as well as from increased
perusahaan anak) dividends
Host to Host interfacing process between
bank bjb and BPR (temporarily only for BPR
subsidiaries)
Terkait dengan rencana Perseroan untuk memperkuat dan Related to the plan of bank bjb to strengthen and increase assets
meningkatkan aset serta penerimaan dividen, pada 2014 terdapat and dividend income, bank bjb plans to add capital investments to
rencana untuk melakukan tambahan penyertaan modal kepada anak our subsidiaries and affiliated companies in 2014 in accordance with
perusahaan dan perusahaan terafiliasi sesuai dengan RBB 2014. the Bank’s Business Plan 2014. The details are:
Rinciannya adalah:
Dalam Juta Rp In million Rp
Rencana Penyertaan bank bjb Nominal bank bjb Inclusion Plan

BPR 30.650 BPR
PT Asuransi Bangun Askrida 5.000 PT Asuransi Bangun Askrida
bank bjb Syariah 100.000 bank bjb Syariah
Total Penyertaan 135.650 Total Inclusion
Sedangkan terhadap perusahaan di luar anak dan terafiliasi, pada Meanwhile in 2013, bank bjb also planned to add capital investments
2013 bank bjb berencana melakukan proses penyertaan modal to a company outside our subsidiaries and affiliated companies,
kepada perusahaan asuransi (PT Asuransi Staco Mandiri) sebesar namely the insurance company PT Asuransi Staco Mandiri with
Rp70.371 juta. Untuk rencana ini, Perseroan telah mengajukan izin the amount of Rp70,371 million. For this plan, the Company has
penyertaan modal ke Bank Indonesia. requested permission from Bank Indonesia.
Bank Indonesia belum memberikan keputusan menolak ataupun Bank Indonesia did not issue rejection nor approval of the request,
menyetujui atas permohonan tersebut melainkan mengembalikan. however returned the request to the Company because there are
Hal itu terjadi karena terdapat persyaratan tambahan yang harus additional requirements that must be met by bank bjb (BI letter
dipenuhi oleh Perseroan (surat BI No. 15/188/DPKP/2013 tanggal 31 No. 15/188/DPKP/2013 dated October 31, 2013 concerning the
Oktober 2013 perihal Permohonan Persetujuan Penyertaan Modal Application for Approval of Capital Investment of Bank Saudara and
Bank Saudara dan surat BI No. 15/217/DPKP/Bd tanggal 9 Desember BI letter No. 15/217/DPKP/Bd dated December 9, 2013 concerning
2013 perihal Permohonan Persetujuan Modal Bank Saudara). the Application for Approval of Capital of Bank Saudara).
72
Pada tahun 2014 bank bjb akan mencoba mengusulkan kembali In 2014 bank bjb will try to resubmit the request for capital
(pengajuan ulang) mengenai rencana penyertaan modal kepada investment in PT Asuransi Staco Mandiri through the FSA. If the
PT Asuransi Staco Mandiri melalui OJK. Jika otoritas keuangan tersebut financial authority approves the request, the realization will be
menyetujui permohonan, maka untuk realisasinya akan dianggarkan budgeted in the Revised Bank Business Plan in 2014, thus the total
kembali pada Revisi RBB 2014, sehingga total penyertaan menjadi investment will be as follows:
sebagai berikut:
Dalam Juta Rp In million Rp
Rencana Penyertaan bank bjb Nominal bank bjb Inclusion Plan

BPR 30.650 BPR
Introduction
PT Asuransi Staco Mandiri 70.371 PT Asuransi Staco Mandiri
Total Penyertaan 206.021 Total Inclusion
Performance
Good Corporate
Governance
Corporate Social
Responsibility
Consolidated
Corporate Data
73
Kredit Konsumer Consumer Loan
Kredit
Konsumer
Consumer Loan
74
Rp 29,19T
Kredit Konsumer
Consumer Loan
+ 27,58%
Introduction
Pertumbuhan
Growth
Performance
Good Corporate
Governance
Konsumer Consumer
Hasil Survei Konsumen yang dilakukan Bank Indonesia The Consumer Survey conducted by Bank Indonesia shows positive
memperlihatkan bahwa pada tahun ini tingkat keyakinan konsumen result on the level of consumer confidence towards the economy this
terhadap perekonomian tampak positif. Hal itu ditunjukan oleh year. This is reflected by the Consumer Confidence Index in January
Indeks Keyakinan Konsumen pada Januari 2014 yang mencapai 2014 which reached 116.7, higher than the number at the same
Corporate Social
Responsibility
116,7, lebih tinggi dibandingkan periode yang sama tahun lalu, yaitu period last year which was 116.2.
116,2.
Hal ini menunjukan tingkat keyakinan konsumen terhadap This number shows the level of consumer confidence towards the
perekonomian nasional pada enam bulan ke depan. Terutama terkait national economy within the next six months, particularly with regard
dengan ekspektasi ketersediaan lapangan kerja dan penghasilan. to the expectations of the availability of employment and income.
Consolidated
Karena itulah, bank bjb terus berupaya mengembangkan layanan Therefore, bank bjb continues to develop our services in consumer
jasa di sektor consumer banking. Hal itu dilakukan demi memenuhi banking. This is conducted in order to meet the needs of all customers
kebutuhan nasabah bank bjb pada semua golongan. of bank bjb.

Hingga tahun 2013, bank bjb telah meluncurkan 6 (enam) produk Until 2013, the bank bjb has launched 6 (six) consumer loan products
Corporate Data
kredit konsumer untuk melayani kebutuhan nasabah dari berbagai to serve the needs of customers from various classes.
kelas.
A. bjb Kredit Guna Bhakti A. bjb Kredit Guna Bhakti

Produk ini merupakan pembiayaan untuk debitur berpenghasilan This product is the financing for fixed-income debtor whose
tetap yang gajinya telah disalurkan melalui bank bjb dan/atau salary is channeled through bank bjb and/ or the Bank is involved
tempat debitur bekerja telah memiliki perjanjian dengan bank in an agreement with the place of work of the debtor. Source
bjb. Sumber pengembaliannya berasal dari gaji debitur yang of repayment comes from the salary of the debtor used for
digunakan untuk keperluan konsumtif maupun produktif. consumptive and productive purposes.
75
B. Kredit Abdi Bhakti B. Kredit Abdi Bhakti

Fasilitas kredit yang diberikan secara khusus kepada pegawai The credit given specifically to the employee of bank bjb.
bank bjb.
C. bjb Kredit Purna Bhakti C. bjb Kredit Purna Bhakti

Pembiayaan yang diberikan oleh bank bjb untuk debitur dengan Product is the financing provided by bank bjb for debtor with
status pensiunan sendiri atau pensiunan janda/duda yang gaji the status of retired or widow/ widower of retiree whose pension
pensiunnya telah disalurkan melalui bank bjb. Sumber dana salary is channeled through bank bjb. The source of fund for the
untuk pengembalian kreditnya berasal dari gaji pensiun debitur repayment comes from the pension salary used for consumptive
yang digunakan untuk keperluan konsumtif maupun produktif. and productive purposes.
D. bjb Back to Back Loan D. bjb Back to Back Loan

Pembiayaan yang diberikan oleh bank bjb yang jaminannya The financing provided by bank bjb with collateral in the form of
berupa agunan kas/cash collateral, baik yang berbentuk cash/cash collateral, either in the form of savings, current accounts,
tabungan, giro, atau deposito. or deposits.
E. bjb Pra Purna Bhakti E. bjb Pra Purna Bhakti

Pembiayaan untuk debitur berpenghasilan tetap yang gajinya The financing for fixed-income debtor whose salary is channeled
telah disalurkan melalui bank bjb. Sumber pengembaliannya through bank bjb. The source of repayment comes from the salary
berasal dari gaji debitur yang digunakan untuk keperluan of the debtor used for consumptive purposes. Financing period
konsumtif. Jangka waktu pembiayaan dapat melintasi masa can exceed the retirement period of the debtor.
pensiun debitur.
F. bjb Kredit Guna Bhakti Pola Channeling F. bjb Kredit Guna Bhakti with Channeling Scheme
Pemberian fasilitas kredit kepada debitur dengan sumber The provision of credit to debtor with funding source entirely
pendanaan seluruhnya berasal dari pihak bank bjb, yang from bank bjb, which is distributed by the agent, in this case
disalurkan oleh agen, dalam hal ini Lembaga Keuangan Bank Bank Financial Institutions (Bank Bengkulu and Bank Sulselbar).
(Bank Bengkulu dan Bank Sulselbar). Dana tersebut disalurkan The fund is channeled to the employee with fixed-income, where
kepada pegawai berpenghasilan tetap yang pembayaran gajinya salary payments are conducted through the agents, in this case
dilakukan melalui agen, dalam hal ini Lembaga Keuangan Bank Bank Financial Institutions (Bank Bengkulu and Bank Sulselbar).
(Bank Bengkulu dan Bank Sulselbar).
Kinerja Kredit Konsumer/Consumer Loan

Kredit Konsumer bjb dan Total Kredit Industri bjb Kredit
bjb Consumer Loan and Total Industry Loan Guna Bhakti
Sejak dulu, kini, dan nanti,
kami tetap melayani sepenuh hati
21,80%
Total Kredit Industri

Total Industry Loan
27,58% Total Kredit Konsumer

Total Consumer Loan
27,58%
Bersama bank bjb yang selalu setia kapan saja

Guna Bhakti
memenuhi kebutuhan kredit Anda

Kredit
76
Sepanjang lima tahun terakhir, kinerja kredit konsumer Perseroan Throughout the past five years, consumer loan performance of the
menunjukkan pertumbuhan yang cukup baik dan secara konsisten Company showed steady growth and consistently grows positively.
terus tumbuh positif. Secara rata-rata, pertumbuhan tahunannya On average, the annual growth is 18.09.
mencapai 18,09.
Khusus untuk tahun 2013, kredit konsumer bank bjb tumbuh Particularly for the year 2013, bank bjb consumer loan growth
27,58% dengan volume sebesar Rp6,3 triliun. 27.58% with the volume of Rp6.3 trillion.
Berikut ini Kredit Konsumer selama 5 (lima) tahun terakhir: Below the of Consumer loan within the past 5 (five) years:
Introduction
Periode Volume Pertumbuhan/Growth NPL
2009 14.406.550 12,66% 0,15%
2010 15.990.687 11,00% 0,12%
2011 19.201.401 20,08% 0,11%
2012 22.879.036 19,15% 0,13%
2013 29.189.993 27,58% 0,10%
Performance
bank bjb selalu mengiringi pertumbuhan volume kredit tersebut bank bjb always associates the growth of the volume of credit with
dengan fokus terhadap pengelolaan aset yang berkualitas. Hal ini the focus on the management of quality assets. This is reflected by the
dapat terlihat dari posisi kredit bermasalah (NPL: Non-Performing position of non-performing loans (NPL) which decreased compared
Loan) yang mengalami penurunan dibanding tahun sebelumnya, to the previous year, from 0.13% to 0.10%.
yaitu dari 0,13% menjadi 0,10%.
Good Corporate
Governance
Maka dengan demikian hal tersebut menunjukan bahwa dalam This shows that loan disbursements conducted by bank bjb are of
penyaluran dana kredit yang dilakukan oleh bank bjb memiliki good quality, likewise with the handling of non-performing loans.
kualitas yang baik. Begitupun dengan penanganan terhadap kredit
bermasalahnya.
Kinerja Berdasarkan Produk Product Based Performance
Corporate Social
Kinerja produk-produk unggulan (kredit konsumer) selama 5 (lima) The performance of superior products (consumer loan) for the past 5
Responsibility
tahun terakhir memperlihatkan pertumbuhan yang cukup baik. (five) years showed steady growth. Average product growth per year
Rata-rata pertumbuhan produk per tahun pada periode 2009-2013 in the period of 2009-2013 was as follows:
adalah sebagai berikut:
- bjb Kredit Guna Bhakti 17,81% - bjb Kredit Guna Bhakti 17.81%
- bjb Kredit Abdi Bhakti 19,55% - bjb Kredit Abdi Bhakti 19.55%
Consolidated
- bjb Kredit Purna Bhakti 30,06% - bjb Kredit Purna Bhakti 30.06%
- bjb Back to Back Loan 30,91% - bjb Back to Back Loan 30.91%
Sedangkan penyaluran bjb KGB melalui pola channeling mengalami Meanwhile bjb KGB is channeled through the channeling scheme,
penurunan dari tahun ke tahun. Hal ini disebabkan plafon bjb KGB and has experienced decrease from year to year. This is because the
pola channeling telah tersalurkan seluruhnya, sehingga pengulangan ceiling of bjb KGB with channeling scheme has been used entirely,
Corporate Data
kredit (top up) debitur tidak lagi menggunakan dana bank bjb, thus the repetition of credit (top up) of the debtor no longer uses the
melainkan dana Agen Channeling. Dengan demikian, portofolio bjb fund of bank bjb, but the fund of a Channeling Agent. Thus, the
KGB pola Channeling akan terus menurun selama tidak dilakukan portfolio bjb KGB with channeling scheme will continue to decline as
pembaharuan jumlah plafon kredit dalam Perjanjian Kerja sama long as credit ceiling renewal in the cooperation agreement between
antara bank bjb dengan Agen Channeling. bank bjb and the Channeling Agency is not renewed.
77
Konsumer Consumer
Berikut financial result produk Kredit Konsumer berdasarkan produk Below is the financial result of the Consumer loan based on the
selama 5 (lima) tahun terakhir: products for this past 5 (five) years:
Periode bjb KGB bjb KPB bjb KAB bjb BTBL bjb CHANELING bjb KPPB Kredit Lainnya
Priod
2009 13.557.695 433.830 149.050 35.601 - 230.374
2010 15.162.072 440.014 158.420 52.751 83.474 - 93.940
2011 17.808.706 536.654 301.126 58.861 459.557 - 36.497
2012 21.279.758 667.114 392.793 91.562 296.403 137.860 13.545
2013 26.431.408 929.634 467.279 114.045 134.635 1.107.901 5.901
Produk bjb Kredit Pra Purna Bhakti yang baru diluncurkan pada The product bjb Kredit Pra Purna Bhakti was newly launched in
Oktober 2012, pencapaian per Desember 2012 sebesar Rp137,8 October 2012, realization as of December 2012 amounted Rp137.8
miliar atau sebesar 0,60% dari total kredit konsumer. Satu tahun billion or 0.60% of the total consumer loans. One year later, as of
kemudian, yaitu akhir tahun 2013, jumlahnya menjadi Rp1,1 triliun the end of 2013, the amount became Rp1.1 trillion, or 3.80% of the
atau 3,80% dari keseluruhan kredit konsumer. total consumer loans.
Sedangkan 2 (dua) jenis kredit konsumer lainnya. yakni bjb Kredit Meanwhile the two (2) other types of consumer loans, namely
Graha Bhakti dan Kredit Wirausaha Bhakti sudah tidak dipasarkan bjb Kredit Graha Bhakti and Kredit Wirausaha Bakti are no longer
lagi. Saat ini hanya menyisakan outstanding (baki debet) pada posisi marketed, and only leaves current outstanding (outstanding balance)
Desember 2013. as of December 2013.
bjb Kredit Guna Bhakti memiliki kontribusi terbesar terhadap total bjb Kredit Guna Bhakti contributes the largest to the total loan
portofolio kredit bank bjb. portfolio of bank bjb.
No Jenis Kredit/Credit Type Outstanding NPL Jumlah Debitur
1 bjb Kredit Guna Bhakti 26.431.407.686.853 0,08% 308.636
2 bjb Kredit Purna Bhakti 929.634.175.133 0,14% 18.307
3 bjb Kredit Pra Purna Bhakti 1.107.900.731.494 0,05% 10.311
4 bjb Kredit Abdi Bhakti 467.279.108.389 0,12% 2.561
5 bjb Back to Back Loan 114.045.175.081 3,24% 464
6 bjb KGB Pola Channeling 134.634.891.528 0,11% 2.380
7 bjb Kredit Wirausaha Bhakti 215.651.040 5,34% 20
8 bjb Kredit Graha Bhakti 4.875.698.592 13,81% 443
Total Kredit Konsumer 29.189.993.118.110 0,10% 343.122
Kontribusinya per 31 Desember 2013 terhadap total kredit konsumer

Contribution per December 31, 2013 to the total consumer loans
mencapai 90,55%, dengan NPL sebesar 0,08% (gross). Hal ini
reached 90.55%, with NPL of 0.08% (gross). This suggests that bank
menunjukkan bahwa captive market bank bjb dalam penyaluran
bjb captive market in the distribution of fund is of good quality.
dananya memiliki kualitas yang baik.
Komposisi Produk Kredit Konsumer

Composition of Consumer Credit Products
bjb Kredit Graha Bhakti

0,11%
5,34% bjb Kredit Wirahusah Bhakti
3,24%
bjb KGB Pola Channeling
0,12% bjb Back To Back Loan

0,05%
0,08%
13,81% bjb Kredit Abdi Bhakti
0,14% bjb Kredit Pra Purna Bhakti

13,81%
bjb Kredit Prapurna Bhakti
bjb Kredit Guna Bhakti
78
Faktor Pendukung dan Penghambat Supporting And Constraining Factors
Beberapa hal yang menjadi faktor penghambat dalam pertumbuhan Some of the factors the limiting the growth of consumer loan,
kredit konsumer, di antaranya: include:
A. Resistensi debitur A. Resistance of debtors.
B. Kondisi ekonomi masyarakat yang pada momen tertentu B. The economic condition of the society at a given moment affects
mempengaruhi tingkat konsumtif debitur. Misalnya pada Juli- the level of consumption of debtors. For example, in July-August,
Agustus, pencapaian kredit konsumer relatif rendah. the achievement of consumer loan is relatively low.
C. Tingkat persaingan kredit sejenis yang semakin kompetitif. C. The increasingly competitive level of competition of similar
credit.
Introduction
Adapun faktor pendukung pertumbuhan kredit konsumer Meanwhile the factors supporting the growth of consumer loan
sepanjang tahun 2013 adalah karena adanya perubahan kebijakan, throughout the year 2013 occurred due to the change in policy,
pricing strategy, dan pemberlakuan program sebagai berikut: pricing strategy, and the implementation of the program as follows:
A. Penyesuaian tingkat suku bunga bjb Kredit Guna Bhakti dan bjb A. Interest rate adjustments of bjb Kredit Guna Bhakti and bjb

Kredit Pra Purna Bhakti, sehingga mempunyai daya saing yang Kredit Pra Purna Bhakti, thus obtaining higher competitiveness.
Performance
lebih tinggi.
B. Dilakukannya diversifikasi produk kredit bjb KGB yaitu dengan B. bjb KGB credit product diversification, through the enactment of
diberlakukannya skim kredit baru yaitu bjb Kredit Pra Purna a new credit scheme, namely bjb Kredit Pra Purna Bhakti in 2012
Bhakti pada tahun 2012 yang mendapatkan respons sangat which received positive response from the public.
positif dari masyarakat.
Good Corporate
Governance
C. Diberlakukannya program-program khusus bagi debitur KGB C. The implementation of special programs for debtors of bjb KGB,
bjb Kredit Pra Purna Bhakti dan debitur bjb Kredit Purna Bhakti, bjb Kredit Pra Purna Bhakti and debtors of bjb Kredit Purna
antara lain: Bhakti, among others:
1. Consumer Loan Loyalty Program: 1. Consumer Loan Loyalty Program:
a. Pemberian Voucher bagi debitur yang memperoleh a. Giving Vouchers for debtors who obtain consumer loan
Corporate Social
Responsibility
fasilitas kredit konsumer bank bjb (bjb KGB, bjb KPPB, from bank bjb (bjb KGB, bjb KPPB, and bjb CDE), either
dan bjb KPB), baik pengajuan kredit baru maupun new credit applications and recurring applications.
pengulangan.
b. Program Promosi Provisi Kredit Konsumer Yaitu program b. The Consumer Loan Provision Promotion Program,
promosi biaya kredit yang diberikan kepada debitur namely a promotion of credit cost to consumer loan
kredit konsumer yang melakukan realisasi kredit selama debtors who conduct credit realization during the
periode program, baik untuk debitur baru maupun period of the program, either new debtors or recurring
Consolidated
debitur yang mengulang. debtors.
2. Program Member Get Member (MGM) Yaitu program 2. Program Member Get Member (MGM) namely the program
pemberian reward berupa insentif yang diberikan khusus to give reward in the form of incentives for consumer
bagi debitur kredit konsumer bank bjb yang berhasil loan debtors of bank bjb who successfully refer friends or
mereferensikan rekan atau koleganya menjadi debitur baru colleagues to become new debtors of bank bjb consumer
kredit konsumer bank bjb. loan.
Corporate Data
D. Perubahan kebijakan produk bjb Kredit Purna Bhakti/Pra Purna D. The change in the policies of the product bjb Kredit Purna Bhakti/
Bhakti yang mencakup perubahan maksimal plafon kredit dan Pre Purna Bhakti which include changes in the maximum credit
jangka waktu serta usia pada saat kredit jatuh tempo. limit and time period, and age at the time of loan maturity.
E. Diberlakukannya program suku bunga khusus untuk daerah di E. Application of special interest program for areas outside of West
luar Jawa Barat dan Banten untuk mendorong portofolio bjb Java and Banten to boost the portfolio of bjb KGB.
KGB.
F. Pelayanan yang lebih baik. F. Provide better services.
79
Produk Andalan Mainstay Products

Berdasarkan pencapaian kredit posisi Desember 2013, dapat dilihat Based on the achievement credit as of the position in December
bahwa yang menjadi produk andalan adalah bjb Kredit Guna Bhakti 2013, products that become the mainstay are bjb Kredit Guna
dan bjb Kredit Purna Bhakti. Pencapaian bjb Kredit Guna Bhakti Bhakti and bjb Kredit Purna Bhakti. bjb Kredit Guna Bhakti in that
pada periode itu sebesar Rp26,4 triliun atau sebesar 90,55% dari period reached up to Rp26.4 trillion or 90.55% of the total consumer
total kredit konsumer. Sedangkan bjb Kredit Purna Bhakti sebesar loans. Meanwhile bjb Kredit Purna Bhakti reached Rp929.63 billion
Rp929,63 miliar atau 3,18% dari total kredit konsumer yang or 3.18% of the total consumer loans.
diberikan.
Sementara itu, produk bjb Kredit Pra Purna Bhakti menjadi produk Meanwhile, the bjb Kredit Pra Purna Bhakti became the new mainstay
andalan baru di tahun 2013. Posisi pencapaian per Desember 2013 product in 2013. As of December 2013 this product reached up to
sebesar Rp1,11 triliun atau 3,80% dari total kredit konsumer. Ini Rp1.11 trillion or 3.80% of the total consumer loans. This means an
berarti mengalami peningkatan sekitar 700% dibandingkan tahun increase of about 700% over the previous year.
sebelumnya.
Rencana Strategi Pemasaran Marketing Strategy Plan

Mengingat pentingnya posisi kredit konsumer, bank bjb sudah Given the importance of the position of consumer loan,bank bjb
menyiapkan rencana dan strategi demi menjaga pertumbuhan has prepared plans and strategies in order to maintain sustainable
berkelanjutan dan berkualitas. Rencana tersebut adalah: growth with quality, described as follows:
A. Product dan Pricing A. Product and Pricing

- Melakukan kajian kembali atas kebijakan kredit konsumer. - Conduct review on consumer loan policies.
- Melakukan diversifikasi produk, di antaranya pengembangan - Perform product diversification, including the development
kredit bjb KGB dengan sektor produkif dan kredit kendaraan of bjb KGB within the productive sector and vehicle loans
bermotor (terkait dengan rencana akuisisi perusahaan (related to the plan to acquire a multi-finance company).
multifinance).
B. Promosi B. Promotion
- Pelaksanaan promosi pemasaran yang lebih efektif dan - Conduct more effective and sustainable marketing
berkesinambungan, seperti pembuatan marketing tools campaigns, such as creating marketing tools for consumer
untuk kredit konsumer serta pemasaran melalui media loan and marketing through publication media.
publikasi. - Conduct the program “Member Get Member”, namely the
- Pelaksanaan program “Member Get Member”, yaitu provision of rewards in the form of incentives for consumer
pemberian reward berupa insentif khusus bagi debitur kredit loan debtors of bank bjb who successfully refer their
konsumer bank bjb yang berhasil mereferensikan rekan atau associates or colleagues to become new debtors.
koleganya menjadi debitur baru. - Conduct the consumer loan loyalty program, namely the
- Pelaksanaan consumer loan loyalty program yang merupakan gimmick program that will be given to the debtors of bjb
gimmick program yang akan diberikan kepada debitur bjb KGB, bjb KPPB, and bjb KPB, either directly in the form of
KGB, bjb KPPB, dan bjb KPB, baik berupa hadiah langsung, prizes, sweepstakes, or other forms of promotion which are
undian berhadiah, atau bentuk promosi lainnya yang tailored to the interests of the debtors.
disesuaikan dengan minat debitur. - Conduct the promotional program below the line in the
- Pelaksanaan program promosi below the line berupa form of gathering with the agencies/companies where the
gathering dengan dinas/perusahaan tempat debitur/calon debtors/potential debtors work.
debitur bekerja.
C. Layanan C. Services
- Pengembangan aplikasi web-scoring dan Analisa Kredit - Develop the applications web-scoring and Consumer Loan
Konsumer. Analysis.
- Standardisasi formulir aplikasi pengajuan Kredit Konsumer. - Standardize the consumer loan application form
- Penetapan SLA (Service Level Agreement) proses persetujuan - Determine SLA (Service Level Agreement) of the consumer
kredit konsumer one day services. loan one day services approval process.
- Penerapan standar layanan, yaitu dengan mengoptimalkan - Implementation of service standards, ie by optimizing the
80
standardisasi layanan kredit konsumer yang di antaranya standardization of consumer loan services, which include:
meliputi: • Convenience of the service room and attitude of the
• Kenyamanan ruang pelayanan dan sikap pelayanan para consumer loan officer.
petugas kredit konsumer. • Provide attention to consumer loan debtors.
• Pemberian atensi kepada debitur kredit konsumer. • Provision of health facilities to the debtors of bjb KGB,
• Pemberian fasilitas kesehatan, merupakan fasilitas bjb KPPB, and bjb KPB in the form of free medical
kesehatan yang diberikan kepada debitur bjb KGB, examination.
bjb KPPB, bjb KPB berupa layanan pemeriksaan gratis.
D. Penjualan D. Sales
Introduction
- Pemasaran secara proaktif dan berkesinambungan. - Proactive and continuous marketing.
- Optimalisasi pemasaran kepada Pensiunan dan calon - Optimize marketing to retirees and prospective retirees.
Pensiunan. - Distribution of loan through the channeling scheme
- Penyaluran kredit melalui pola channeling - More intensive strategic alliance with institutions/ agencies
- Aliansi strategis yang lebih intensif dengan institusi/lembaga that manage pension fund.
pengelola dana pensiun
Performance
Good Corporate
bank bjb
Governance
Deposito
DPLK
on Call Investasi yang menguntungkan
bagi likuiditas Anda
DPLK
bank bjb
Corporate Social
Responsibility
bjb Deposito
on Call
Consolidated
Rencanakan
Instrumen penempatan dana jangka pendek hari tua anda dari sekarang bersama DPLK bank bjb
dengan keuntungan yang optimal
*) Syarat dan ketentuan berlaku
Corporate Data
81
bjb Precious bjb Precious
bjb Precious
bjb Precious
82
Rp 3,2T bjb
Deposito
Valas dana tumbuh bersama
Dana Kelolaan bjb valas
bjb Precious
Fund under Management at
bjb Precious
Deposito Valas
bjb
Introduction
Precious
3.429 Nasabah
Customer
percayakan berbagai mata uang asing anda di
deposito valas bank bjb dengan berbagai keuntungan
Performance
Good Corporate
Governance
Perkembangan bjb Precious beserta The development of bjb Precious and Its
keunggulannya Excellence
bjb precious melakukan rebranding layanan prioritasnya pada 12 bjb rebranded our priority services on December 12, 2012, resulting
Desember 2012, sehingga terjadi perubahan nama layanan “bjb in a change of name from “bjb Priority” to “bjb Precious”. The
prioritas” berganti menjadi “bjb Precious”, rebranding tersebut rebranding aims to make bjb Precious as a strong brand in the eyes of
Corporate Social
Responsibility
bertujuan agar menjadikan bjb Precious sebagai suatu brand yang the public and simultaneously affirm the credibility and exclusiveness
kuat dimata masyarakat dan juga sekaligus menegaskan kredibilitas of the services of bjb Precious, with the hope to increase customer
dan ekslusivitas layanan bjb Precious, dengan harapan dapat loyalty, as well as increase value and competitiveness towards similar
meningkatkan customer loyalty, serta menambah nilai dan memiliki services owned by the competitors.
daya saing terhadap layanan sejenis yang dimiliki oleh kompetitor.
Layanan bjb Precious adalah layanan yang bersifat eksklusif dan The services of bjb Precious are both exclusive and personalized for
Consolidated
personal bagi pribadi-pribadi istimewa (nasabah perseorangan) yang special individual customers who have certain amount of savings in
memiliki simpanan pada bank bjb dalam jumlah tertentu. bank bjb.
bjb Precious meletakkan prinsip- prinsip dan falsafah “yang sangat bjb Precious places the principles and philosophy of “”valuable” as
berharga” sebagai fondasi dalam mewujudkan tujuan layanan the foundation for realizing the goal of exclusive banking services
eksklusif perbankan yang di khususkan bagi nasababah prima dedicated to the prime customers through increased credibility
Corporate Data
melalui peningkatan kredibilitas dan eksklusivitas yang dimilikinya and exclusivity through the concept of Hospitality, Ease and
melalui konsep Keramahan, Kemudahan, dan Kenyamanan. Convenience.
Untuk memberikan pelayanan secara optimal kepada para nasabah To provide optimum services to our bjb Precious customers, until
bjb precious, maka hingga tahun 2013 bjb Precious telah memiliki 2013 there are 11 bjb Precious outlets located in:
11 Outlet, yang berlokasi di:
a. bjb Precious Bandung a. bjb Precious Bandung
b. bjb Precious Rasuna Said b. bjb Precious Rasuna Said
c. bjb Precious Serang c. bjb Precious Serang
d. bjb Precious Cirebon d. bjb Precious Cirebon
e. bjb Precious Tasikmalaya e. bjb Precious Tasikmalaya
f. bjb Precious Bogor f. bjb Precious Bogor
83
bjb Precious bjb Precious
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. bjb Precious Surabaya k. bjb Precious Surabaya
Keunggulan Layanan bjb Precious Service Excellence of bjb Precious

Sebagai layanan prima, nasabah bjb Precious berhak As our prime customers, bjb Precious customers are
mendapatkan layanan terbaik dan eksklusif dengan entitled for the best and exclusive services with
berbagai: various:
• Kemudahan
bjb Precious sangat memahami kesibukan dan berharganya • Ease
waktu nasabah. Untuk itu, bjb Precious menyediakan berbagai bjb Precious understands the value of time of busy customers.
kemudahan untuk anda dalam melaksanakan transaksi To that end, bjb Precious provides various facilities for our
perbankan, diantaranya: customers in carrying out banking transactions, including:
- Pelayanan transaksi perbankan secara personal dari bjb - bjb Precious personalized banking services
precious. - Save deposit box.
- Save deposit box. - Other services with ease.
- Serta beragam kemudahan lainnya.
• Keramahan • Hospitality
Keramahan dan ketulusan adalah sikap utama dalam melayani Hospitality and sincerity is the main attitude in serving the bjb
nasabah sebagai member bjb precious. bjb precious siap Precious customers. bjb Precious is ready to assist you with all of
membantu menangani segala urusan perbankan anda secara your banking needs in a professional manner.
profesional.
• Kenyamanan • Convenience
Demi menjaga kenyamanan dan privacy setiap transaksi yang In order to maintain the comfort and privacy of every transaction,
dilakukan, maka setiap nasabah akan dilayani di ruangan yang every customer will be served in a room that was designed
didisain khusus sebagai komitmen untuk senantiasa memberikan specifically as a commitment to always provide the best for you.
yang terbaik untuk anda.
• Keuntungan lainnya • Other Benefits
Kartu member bjb Precious dapat digunakan di lebih dari 1.138 bjb Precious membership card can be used in more than 1,138
ATM bank bjb, 49.630 ATM Bersama, dan 59.662 PRIMA ATM bank bjb ATM, 49,630 Joint ATM, and 59,662 PRIMA ATM
di seluruh Indonesia. throughout Indonesia.
• Fasilitas pemakaian ruang meeting. • The facility to use the meeting room.
• Airport lounge, fasilitas ruang tunggu di bandara, hanya dengan • Airport lounge, facilities in the airport waiting room, just by
menunjukan kartu member bjb Precious. showing your bjb Precious membership card.
• Travel arrangement. • Travel arrangement.
• Nasabah tidak perlu antri untuk bertransaksi. • Customers do not need to queue when conducting transactions.
• Customer gathering. • Customer gathering.
Strategi dalam mendukung kegiatan bjb Precious Strategies to support the activities of bjb Precious
include
a. Mengadakan program-program menarik untuk mendorong a. Create interesting programs to increase the number of bjb
peningkatan jumlah member bjb Precious Precious customers.
b. Mengadakan gathering baik yang bersifat akuisisi maupun b. Organize gathering with the purpose of both acquisition and
bersifat atensi untuk meningkatkan loyalitas member eksisting attention in order to increase the loyalty of existing bjb Precious
bjb Precious customers.
c. Menambah kerjasama dengan pihak ketiga untuk meningkatkan c. Increase cooperation with third parties to improve bjb Precious
privilege kepada member bjb Precious. privileges to customers.
d. Meningkatkan kualitas layanan dengan membenahi dan d. Improving the quality of services by improving and standardizing
melakukan standarisasi outlet bjb Precious the bjb Precious Outlets.
e. Menggali potensi dana di beberapa wilayah tertentu, yang belum e. Explore the potential of funds in certain areas where there is no
terdapat outlet bjb Precious dengan penempatan PIC (Person In bjb Precious outlets with the placement of the PIC (Person in
Charge) marketing bjb Precious Charge) for bjb Precious marketing.
84
f. Melakukan peningkatan SDM bjb Precious khususnya dalam f. Improve the human resources of bjb Precious, especially in terms
hal penambahan kuantitas serta peningkatan kualitas SDM bjb of adding the quantity and improving the quality of the human
Precious resources of bjb Precious.
Kinerja Layanan bjb Precious sampai dengan Desember Performance of services of bjb Precious until December
2013 2013
Dana Pihak Ketiga bjb precious per Desember 2008 hingga Desember Third-Party Funds of bjb Precious per December 2008 to December
2013 2013
(dalam miliar rupiah) (in million rupiah)
Introduction
Desember 2013 Desember 2012 Desember 2011 Deember 2010 Desember 2009
OBP
Nasabah Nominal Nasabah Nominal Nasabah Nominal Nasabah Nominal Nasabah Nominal
Bandung 1.232 1.236.356 1.045 1.081.398 823 1.074.773 497 538.953 531 535.750
Jakarta 266 205.745 168 238.807 115 102.406 227 439.553 126 144.208
Serang 334 244.993 260 299.647 180 251.573 144 183.723 131 132.667
Performance
Cirebon 223 210.148 161 187.870 133 142.550 93 108.234
Tasik 166 145.769 121 113.755 85 98.260 53 51.594
Bogor 336 275.960 207 225.047 181 215.728 154 129.621
Bekasi 168 159.486 131 148.894 104 114.114 91 82.155

K. Gading 208 301.419 147 356.782 97 286.669
Tangerang 200 184.789 127 121.890 72 96.861
Good Corporate
Semarang 104 40.289 89 45.823 83 50.049
Governance
Surabaya 192 156.766 151 197.501 113 169.326
TOTAL 3.429 3.161.721 2.607 3.017.415 1.986 2.602.309 1.259 1.533.832 788 812.626
Kegiatan pemasaran bjb Precious sampai dengan Desember The marketing activities of bjb Precious until December
2013 2013
Dalam mengelola pertumbuhannya, bjb telah melakukan beberapa In managing growth, bjb conducted several marketing activities,
Corporate Social
Responsibility
kegiatan pemasaran, diantaranya sebagai berikut: including:
• Melakukan customer gathering untuk lebih meningkatkan • Organize customer gathering in order to further enhance good
hubungan yang baik dengan nasabah, baik nasabah existing relationships with customers, both existing customers and
maupun prospect customer. prospect customers.
• Penyelengaraan program Member Get Member nasabah bjb • Perform Member Get Member Program for bjb Precious
Precious. customers.
Consolidated
Rencana dan strategi layanan bjb Precious tahun 2014 bjb Precious Plan and Strategy in 2014
Dalam rangka membuat layanan bjb Precious semakin optimal In order optimize the services of bjb Precious and to build strong
dan memiliki positioning yang kuat di masyarakat, serta untuk positioning within the Public, as well as to increase competition
meningkatkan persaingan dengan layanan prioritas bank lain, maka with other banks’ priority services, bjb Precious will perform several
bjb Precious akan melakukan beberapa inisiatif sebagai berikut: initiatives as follows:
• Memenuhi kebutuhan SDM bjb Precious baik dari segi kuantitas • Fulfil the need of human resources of bjb Precious in terms of
Corporate Data
maupun kualitas. both quantity and quality.

• Melakukan penambahan kerja sama pada Merchant, Medical • Improve cooperation on Merchants, Medical Arrangements,
Arrangement, dan Education Arrangement sebagai bentuk and Education Arrangements as a form of providing exclusive
pemberian fasilitas yang eksklusif kepada member bjb Precious. facilities to bjb Precious customers.
• Melakukan renovasi di beberapa outlet bjb Precious sebagai • Renovate several outlets of bjb Precious as a form of
bentuk standardisasi dalam memberikan kenyamanan terhadap standardization in providing comfort to the bjb Precious
member bjb Precious, sehingga nasabah eksisting maupun customers, thus existing and potential customers will feel
nasabah potensial merasa nyaman dan teristimewakan, tidak comfortable and privileged, not like being in the banking hall.
seperti berada di banking hall. • Organize Customer Gathering for Wealth Management products
• Melakukan Customer Gathering produk-produk Wealth and other exclusive programs for both existing customers and
Management serta program eksklusif lainya baik bagi nasabah potential customers of bank bjb.
eksisting maupun nasabah potensial bank bjb.
85
KORPORASI DAN KOMERSIAL Corporate and Commercial
Korporasi dan
Komersial
Corporate and Commercial
86
6,98T
Transfer
bjb
Rp
valas
transfer Foreign Berbagai kemudahan
valas kirim dan terima uang asing menjadi Exchange dan keuntungan dalam
lebih mudah dan lebih cepat transaksi valuta asing
Kredit Korporasi &
Komersial
Corporate & Commercial Credit
Foreign
Exchange
+ 10,88%
Introduction
Pertumbuhan
Growth
Dengan nilai tukar yang bersaing, bjb Foreign Exchange
dimanapun Anda, kini kirim dan terima uang asing menjadi
Performance
siap melayani kebutuhan transaksi mata uang asing Anda
lebih mudah dan lebih cepat dengan bjb transfer valas
Good Corporate
Governance
Tahun 2013 bisa dikatakan sebagai masa penuh cobaan bagi 2013 can be regarded as a time of trial for the Indonesian industry.
industri di Tanah Air. Banyak risiko bisnis yang menjadi perhatian dan Several business risks affecting the Company’s performance required
mempengaruhi kinerja korporasi. attention.
Sejak awal 2013, kalangan industri masih dibayangi oleh ancaman In early 2013, the industry was still overshadowed by an external
Corporate Social
eksternal berupa penurunan permintaan global, yang disertai dengan threat in the form of decline in the global demand, accompanied by
Responsibility
menurunnya harga komoditas. the fall of commodity prices.
Selain itu, kebijakan bank sentral Amerika Serikat atau Federal In addition, the Central Bank of the U.S or the Federal Reserve (the
Reserve (The Fed) yang akan melakukan tapering off atau Fed) performed tapering off or reduction of monetary stimulus,
pengurangan stimulus moneter, juga telah berdampak terhadap thus providing impact on capital outflows. Domestically, it resulted
aliran modal keluar. Di dalam negeri, hal itu mengakibatkan tekanan pressure on the exchange rate.
Consolidated
terhadap nilai tukar rupiah.
Tekanan terhadap kondisi internal juga cukup besar. Terutama Pressure towards the internal condition was also significantly large,
terkait dengan peningkatan biaya produksi akibat kenaikan harga particularly related to the increase in production costs due to the
bahan bakar minyak, tarif listrik, serta penyesuaian upah minimum higher fuel-oil price, electricity tariff and the adjustment to minimum
regional pada sejumlah daerah di Indonesia. wage in some areas in Indonesia.
Corporate Data
Dalam situasi tersebut, bank bjb selalu menjaga unsur kehati- In such situation, bank bjb always implemented the principle of
hatian dalam penyaluran kredit, walaupun selalu berupaya prudence in lending while striving to increase corporate and commercial
mengembangkan kredit korporasi dan komersial. Dalam konteks loans. In this context, the Company focused on the financing of the
ini, Perseroan memfokuskan diri pada pembiayaan sektor produktif productive sector through the development of customer need and
melalui pengembangan layanan produk pinjaman yang berorientasi interest oriented loan products. Corporate and commercial loan
pada kebutuhan dan kepentingan nasabah. Produk kredit korporasi products were developed according to the characteristics of business
dan komersial dikembangkan sesuai karakteristik bisnis perusahaan of the Company and the industrial sectors.
serta sektor industri.
87
Korporasi dan Komersial Corporate and Commercial
Hingga Desember 2013, posisi kredit kelolaan Divisi Korporasi dan As of December 2013, credit managed by the Corporation and
Komersial telah mencapai Rp6,983 triliun atau 15,37% dari total Commercial Division reached Rp6.983 trillion or 15.37% of the total
posisi kredit bank bjb yang mencapai Rp45,435 triliun. loans of bjb which reached Rp45.435 trillion.
Perkembangan Bisnis Business Development

Melalui strategi tersebut, kredit korporasi dan komersial terus Through this strategy, corporate and commercial loans continued to
tumbuh positif. Sepanjang tahun 2013, kredit kelolaan Divisi grow positively. Throughout the year 2013, loans managed by the
Korporasi dan Komersial mengalami pertumbuhan sebesar Corporation and Commercial Division grew by Rp685 billion, or by
Rp685 miliar atau 10,88% (YoY), yaitu dari Rp6,298 triliun menjadi 10.88% (YoY), from Rp6.298 trillion to Rp6.983 trillion.
Rp6,983 triliun.
Pertumbuhan tersebut didominasi oleh kredit kepada Pemerintah The growth was dominated by the loan to the Government of the
Republik Indonesia dalam bentuk Pinjaman Dalam Negeri dan Kredit Republic of Indonesia in the form of Domestic Loan and Syndication
Sindikasi. Kredit Pinjaman Dalam Negeri tumbuh Rp374 miliar atau Loan. Domestic loan grew by Rp374 billion, or an increase of
naik 181,08% (YoY), sedangkan kredit Investasi Sindikasi tumbuh 181.08% (YoY), while Syndication Investment loan grew by
Rp334 miliar atau naik 79,13% (YoY). Rp334 billion, or an increase of 79.13% (YoY).
Dari sisi pangsa pasar dibandingkan dengan total kredit yang In terms of market share compared to the total loans disbursed by
disalurkan oleh industri sepanjang 2013, porsinya masih sangat kecil, the industry during 2013, the share was still significantly small, ie
yaitu 0,019%. Total kredit yang disalurkan bank umum seperti data 0.019%. The total loans distributed by commercial banks as recorded
Statistik Perbankan Bank Indonesia, mencapai Rp3.319,842 triliun. by the Bank Indonesia Banking Statistics data reached Rp3,319.842
trillion.
Kinerja Produk Product Performance

Produk komersial Perseroan terbagi atas: cash loan dan non-cash bank bjb commercial products are divided into: cash loan and non-
loan. Sedangkan khusus produk cash loan terdiri dari kredit modal cash loan. Meanwhile, the cash loan product consists working capital
kerja dan kredit investasi. Untuk produk non-cash loan adalah loan and investment loan. Non-cash loan is the service to issue bank
layanan penerbitan garansi bank untuk proyek-proyek pemerintah guarantee for government or private projects, in which these activities
maupun swasta, di mana kegiatan ini bisa meningkatkan fee based can increase the fee-based income of bank bjb.
income bank bjb.
Produk Cash Loan Cash Loan

Total produk cash loan yang dibukukan bank bjb di tahun 2013 In 2013, the total cash loan of bank bjb reached Rp6.9 trillion, an
mencapai Rp6,9 triliun atau meningkat 10,88% dibanding posisi increase of 10.88% compared to the position in 2012.
pada tahun 2012.
Jenis Kredit/Types of Credit 2013
KMKU 904.786.340.378
KMKU R/C 515.459.693.120
KMKK 1.870.274.301.696
KMK Umum - Pada Perusahaan Pembiayaan 1.099.928.259.353
KIU 909.103.267.348
KK Asset Buy 61.935.783.037
KI PINJAMAN DALAM NEGERI (S) 580.830.975.391
KI PDAM 12.831.094.772
KMKU Sindikasi 270.772.529.672
KIU Sindikasi 758.008.122.830
KIU Pinjaman Daerah
TOTAL 6.983.930.369.610
88
Produk Non Cash Loan Product Non Cash Loan
Sementara produk non-cash loan bank bjb hingga akhir tahun 2013 Meanwhile the products of non-cash loan bank bjb until the end of
mencapai Rp1,249 triliun. 2013 reached Rp1,249 trillion.
Jenis Non Cash Loan 2013
Garansi Bank Penawaran/Bank Guarantee Offering 65.906.991.679
Garansi Bank Pelaksanaan/Bank Guarantee Executing 769.118.085.812
Garansi Bank Uang Muka Proyek/Bank Guarantee Project Advance 71.127.474.046
Introduction
Garansi Bank Pemeliharaan/Bank Guarantee Maintaining 169.445.166.899
Garansi Bank Pembayaran/Bank Guarantee Payment 171.172.821.320
Garansi Guarantee/Bank Guarantee 300.000.000
107.569.412

Garansi Bank Sanggahan Banding/Bank Guarantee Appeal
Performance
Garansi Bank Transaksi Perdagangan Umum/Bank Guarantee General Trade Transaction 2.000.000.000
TOTAL 1.249.178.111.182
Faktor Pendukung dan Penghambat Supporting and Constraining Factors
1. Faktor Pendukung 1. Supporting Factors
Good Corporate
Governance
Dalam menjalankan bisnis kredit korporasi dan komersial, bank In providing corporate and commercial loans, there are several
bjb mempunyai beberapa faktor pendukung, di antaranya: contributing factors, including:
A. Bersifat Makro A. Macro

• Perekonomian nasional yang tetap tumbuh akibat • The national economy remains to grow due to the
adanya peningkatan permintaan domestik, terutama increase in domestic demand, especially the high
Corporate Social
Responsibility
dalam investasi infrastruktur dan konstruksi yang masih investments in infrastructure and construction.
tinggi. • Implementation of the Law on Mineral and Coal in
• Penerapan Undang-undang Mineral dan Batubara tahun 2014 will bring new investments in the downstream
2014 akan memunculkan investasi baru di sektor hilirisasi sector with significant value, thus domestic and foreign
yang nilainya cukup besar. Sehingga, penanaman modal investment will grow +/ - 15% (based on the projection
domestik asing akan tumbuh +/- 15% (berdasarkan of BKPM).
proyeksi BKPM). • The Government was able to handle well the issue of
Consolidated
• Isu impor kebutuhan pangan (sapi, kedelai, dan lain- the need for food imports (beef, soy, etc), thus market
lain) dapat ditangani pemerintah dengan baik, sehingga price was able to be controlled.
harga pasar dapat dikendalikan.
B. Bersifat Mikro B. Micro

• Market size untuk segmen komersial di bank bjb masih • The market size for the commercial segment of bank
Corporate Data
memiliki potensi besar untuk ditingkatkan. bjb is significantly potential to be improved.

• Terjadinya kenaikan biaya kehidupan yang tinggi • The occurrence of a high rise in the cost of living (the
(kurs, Inflasi) modal kerja usaha akan naik, sehingga exchange rate, inflation) thus working capital will rise,
mengakibatkan peningkatan permohonan pembiayaan. resulting in an increase in the request for financing.
• Kenaikan biaya modal (upah dan Bahan baku) akan • Increase in capital cost (wages and raw materials) will
menimbulkan perkembangan industri yang lebih lead to the development of a more varied industry,
bervariasi, terutama perusahaan eksisting yang memiliki especially within companies that have high capital
kekuatan modal yang tinggi. strength.
• Pembukaan jaringan di Jakarta yg merupakan sentra • Opening of the networks in Jakarta which is the center
keuangan dan industri di Indonesia of finance and industry in Indonesia
89
Korporasi dan Komersial Corporate and Commercial
2. Faktor Penghambat 2. Constraining Factor

Dalam menjalankan bisnis kredit Korporasi dan Komersial, bank In providing corporation and commercial loans, these are the
bjb mempunyai beberapa faktor penghambat, di antaranya: constraining factors:
A. Bersifat Makro A. Macro

• Melemahnya nilai tukar rupiah terhadap dolar Amerika • The weakening of Rupiah against the U.S. Dollar due
akibat defisit neraca perdagangan dan kondisi to the deficit in the balance of trade and the global
makroekonomi secara global yang menyebabkan macroeconomic condition that causes inflation.
inflasi. • Indonesia’s economic stability is difficult to predict, given
• Stabilitas ekonomi Indonesia yang sulit diprediksi, the 2014 General Election.
mengingat adanya Pemilihan Umum 2014.
B. Bersifat Mikro B. Micro

• Rasio LDR bank bjb yang cukup tinggi (lebih dari 90%) • bank bjb LDR are relatively high (over 90%) thus limiting
sehingga membatasi penyaluran kredit. credit distribution.
• Konsentrasi kredit komersial yang masih terfokus pada • Commercial loan is only focused on a few sectors.
beberapa sektor usaha. • The potential outside West Java and Banten which are
• Potensi jaringan di luar Jawa Barat dan Banten yang not yet exploited optimally.
belum digali secara optimal.
Produk Andalan Mainstay Products

Produk yang menjadi andalan selama tahun 2013, di antaranya adalah Product that became mainstay for the year 2013, among others were
Kredit Modal Kerja (KMK) Konstruksi. KMK kepada perusahaan the Working Capital Loan for construction, financing companies,
pembiayaan, Pinjaman Dalam Negeri (PDN), dan Garansi Bank. domestic loan, and bank guarantee.

Demi menjaga pertumbuhan kredit bisnis korporasi dan komersial In order to maintain the growth of corporate and commercial business
secara berkelanjutan, bank bjb menyusun rencana dan strategi loans on an ongoing basis, bank bjb established the following
pemasaran sebagai berikut: marketing strategy plan:
1. Pelaksanaan gathering dan sosialisasi dengan kantor cabang. 1. Organize gathering and socialization with the branch offices.
2. Turut serta dalam pertemuan bisnis yang diselenggarakan oleh 2. Participate in the business meetings organized by the association
asosiasi pengusaha atau forum BUMN/ BUMD. of entrepreneurs or the state/local-owned companies forum.
3. Bekerja sama dengan unit kerja bisnis lainnya untuk meningkatkan 3. Work with other business units to increase fee-based income
fee base income dan/atau cross selling. and/ or cross selling.
4. Penyaluran kredit yang lebih prudent kepada debitur yang 4. More prudent lending in accordance to the risk acceptance
sesuai dengan risk acceptance criteria dengan fokus pada sektor criteria with focus on the infrastructure financing sector sourced
pembiayaan infrastruktur yang bersumber dari APBD/APBN dan from the Regional Budge/State Budget and State/Local owned
BUMD/BUMN. Companies.
5. Bekerja sama dengan unit kerja penyelamatan dan penyelesaian 5. Routinely work with the credit rescue and settlement unit and to
kredit secara berkala identifikasi permasalahan kredit bermasalah identify non-performing loans and settlement solutions.
dan solusi penyelesaian. 6. Visit/ OTS the debtors managed by the head office.
6. Melakukan kunjungan/OTS kepada debitur-debitur kelolaan 7. Follow the trainings conducted by internal and external parties
kantor pusat. to increase competence in the field of credit and others.
7. Mengikuti pelatihan yang diadakan oleh pihak internal maupun 8. Work together with the national banks on syndicated credit
eksternal untuk meningkatkan kompetensi di bidang perkreditan distribution and club deal by increasing active role in the national
dan lainnya. banking institutions and agencies.
8. Kerja sama penyaluran kredit sindikasi dan club deal dengan 9. Play an active role with the national banks and corporate debtors
perbankan nasional dengan meningkatkan peran aktif di in credit syndication activity as arranger/facility agent/dealer of
lembaga dan instansi perbankan nasional. warranty/etc.
9. Berperan aktif dengan perbankan nasional dan debitur korporasi 10. Develop Loan Origination System (LOS) with the Division of
dalam aktivitas kredit sindikasi sebagai (arranger/agen fasilitas/ Consumer Credit, Division of Mortgage, Division of Micro and
agen jaminan/ dan lain-lain). other Supporting Divisions.
90
10. Mengembangkan Loan Origination System (LOS) bersama Divisi 11. Conduct sharing vision activities to improve the understanding
Kredit Konsumer, Divisi KPR & Mortgage dan Divisi Mikro serta of users.
Divisi Supporting lainnya. 12. Ongoing development and improvement of LOS.
11. Melaksanakan kegiatan sharing vision untuk meningkatkan 13. Increase integrated and comprehensive cooperation with
pemahaman users. Insurance Company/ guarantee through the scheme of insurance/
12. Pengembangan dan perbaikan LOS secara berkelanjutan. guarantee closure for product guarantee/ counter guarantee, L/
13. Meningkatkan kerja sama yang terintegrasi dan komprehensif C and SKBDN.
dengan Perusahaan Asuransi/Penjaminan melalui skema
penutupan asuransi/penjaminan untuk produk guarantee/
counter guarantee, L/C dan SKBDN.
Introduction
Pertumbuhan Kredit Mikro bjb dan UMKM Industri
2013
2013 Growth of Micro Credit and SMEs bjb Industry
Performance
15,66%
Perseroan
Company
17,77% Industri
Industry
17,77%
Good Corporate
Governance
14. Mengembangkan fitur produk dan prosedur untuk memperluas 14. Develop product features and procedures to extend the market
pasar kredit korporasi dan komersial. of corporate and commercial loans.
15. Melakukan review produk/prosedur secara menyeluruh dan 15. Perform review on the products/procedures thoroughly and
melakukan analisa produk dilihat dari perspektif finansial dan conduct product analysis viewed from the perspective of finance
Corporate Social
risiko. and risk.
Responsibility
Modal Kerja
Kredit
bjb
Trade Finance Kami menghubungkan anda
& Services menuju perdagangan internasional
Consolidated
Corporate Data
bjb Trade Finance
& Services
bjb Trade Finance & Services

kami siap membantu anda dalam memperbesar peluang bisnis
ke seluruh dunia
Trade Finance Call
022 - 4222356
91
Mikro Micro
Mikro
Micro Rp 5,36T
Kredit Mikro
Micro Loans
+17,77%
Pertumbuhan
Growth
92
Kredit
Cinta Rakyat bjb Kredit
Jawa Barat Mikro Utama
Dadang
pemilik tambak ikan
Introduction
Cinta Rakyat
Kredit
Mikro Utama
Kredit
Usaha menjadi sangat mudah dengan bunga yang Saatnya usaha Anda menjadi besar
sangat ringan dari bank bjb bersama bjb Kredit Mikro Utama
Performance
dengan bunga paling rendah dari bank bjb
Good Corporate
Governance
Kredit mikro sesuai dengan definisi Bank Indonesia, seperti tercantum Micro credit in accordance with the definition of Bank Indonesia,
dalam Peraturan Bank Indonesia (PBI) tahun 2012, merupakan kredit as stated in Bank Indonesia Regulation (PBI) Year 2012, is the credit
yang diberikan kepada pelaku usaha yang memenuhi kriteria usaha given to entrepreneur with business that meet the criteria of micro
mikro. business.
Corporate Social
Hingga tahun lalu, Bank Indonesia mencatat jumlah pembiayaan Until last year, Bank Indonesia recorded the number of bank financing
Responsibility
perbankan kepada sektor mikro baru sekitar 4,1% dari total kredit to the micro sector was only approximately 4.1% of the total bank
perbankan. Dengan demikian, masih terdapat peluang bagi bank credit. Thus, there are still opportunities for banks to increase micro
untuk meningkatkan penyaluran kredit mikro. credit.
Bagi bank bjb, segmen bisnis mikro merupakan salah satu andalan For bank bjb, the micro business segment is one of the foundations
dalam mengelola pertumbuhan kinerja. Pilihan tersebut terbukti in managing performance growth. This choice proved to have made
Consolidated
telah membuat bank bjb berhasil mencapai performa positif, dengan bank bjb achieve positive performance, with a total of micro-credit
total kredit mikro yang telah disalurkan hingga akhir tahun 2013 disbursed by the end of 2013 reaching up to Rp5.35 trillion or 8.25%
mencapai Rp5,35 triliun atau 8,25% dari total kredit yang disalurkan of the total credit distributed by bank bjb.
oleh bank bjb.
Perkembangan Bisnis Business Development

Corporate Data
Pertumbuhan posisi kredit kelolaan Divisi Mikro dari Desember 2012 The growth of micro-credit managed by the Micro Division from
sampai dengan Desember 2013 mencapai 17,77% atau sebesar December 2012 to December 2013 reached 17.77% or Rp 808.78
Rp808,78 miliar dari Rp 4,55 triliun menjadi Rp5,35 triliun. Kontribusi billion from Rp 4.55 trillion to Rp5.35 trillion. The largest contribution
terbesar berasal dari skim Kredit Mikro Utama yang mencapai came from the scheme Kredit Mikro Utama which reached 26.19%
26,19% atau sebesar Rp697,82 Miliar. or Rp697.82 billion.
Sedangkan ekspansi kredit kelolaan Divisi Mikro sepanjang tahun Meanwhile the credit expansion managed by the Micro Division
2013 mencapai Rp4,05 triliun dengan Run Off Rp3,24 Triliun. during the year 2013 reached Rp4.05 trillion with Run-off as much
Sehingga, pertumbuhan netto tahunan (YoY) mencapai Rp808,86 as Rp3.24 trillion, thus annual net growth (YoY) reached Rp 808.86
miliar. Adapun pertumbuhan NoA (Number of Account) Kelolaan billion. The growth of NoA (Number of Accounts) managed by the
Divisi Mikro dari Desember 2012 sampai dengan Desember 2013 Micro Division from December 2012 to December 2013 reached
mencapai 13,91% atau sebesar 11.647 NoA. 13.91% or 11,647 NoA.
93
Mikro Micro
Untuk Pendapatan Bunga Kredit Yang Diberikan (PBKYD) Divisi The Credit Interest Income contributed by the Micro Division until
Mikro hingga Triwulan IV tahun 2013, mencapai Rp1,04 triliun atau the fourth quarter of 2013, reached Rp 1.04 trillion, an increase
naik 49,54% dibanding periode yang sama tahun sebelumnya, yang of 49.54% over the same period of the previous year, which only
hanya mencapai Rp696,11 miliar. Penyumbang pendapatan terbesar reached Rp696.11 billion. The biggest contribution to income was
diperoleh dari kredit yang disalurkan oleh Grup Mikro, yaitu sebesar derived from credit given to the micro group with the amount of
Rp806,29 miliar yang meningkat 75,69% dibanding Desember Rp806.29 billion, an increase of 75.69% compared to December
2012. 2012.
Kinerja Produk Performance of Products

Produk mikro bank bjb menunjukan kinerja yang cukup positif bank bjb’s micro products show positive performance and successfully
hingga berhasil menyalurkan Rp5,35 triliun kredit mikro. distributed Rp5.35 trillion of micro credit.
Dalam Juta Rp
In Million Rp
Desember 2012 Desember 2013 Pertumbuhan
SKIM Kredit December 2013 December 2013 Growth
NoA Rp NPL NoA Rp NPL RP %
Bandung 62.580 2.664.074 72.909 3.361.895 12,19% 697.821 26,19%

3,66%
Jakarta 49 86.019 71 90.060 4,44% 4.041 4,70%
Serang 12.228 1.035.526 6,59% 11.119 1.093.145 12,71% 57.619 5,56%
Cirebon 4.199 118.595 0,04% 6.907 161.032 3,92% 42.437 35,78%
Tasik 146 159.196 0,00% 238 300.761 0,00% 141.565 88,93%
Bogor 4.285 410.586 3,35% 3.783 282.055 16,54% 128.531 -31.30%
Bekasi 220 76.814 4,27% 327 70.720 10,31% 6.094 -7,93%
Jumlah/Total 83.707 4.550.811 4,08% 95.354 5.359.669 11,44% 808.859 17,77%
1. Faktor Pendukung 1. Supporting Factors

Beberapa faktor yang menjadi pendukung segmen bisnis mikro, Some of the factors supporting the micro business segment
di antaranya: include:
• Pertumbuhan ekonomi secara nasional yang cenderung • National economy growth with the trend of increase
meningkat. • Waroeng bjb Network that increasingly becomes more
• Jaringan Waroeng bjb yang semakin memadai. adequate.
2. Faktor Penghambat 2. Constraining Factors

Adapun beberapa faktor yang penghambat kinerja korporat di Some of the factors constraining corporate performance in the
segmen mikro, di antaranya: micro segment include:
• Kondisi perekonomian yang tidak stabil. Hal itu ditandai • Unstable economic conditions. This was marked by the
dengan inflasi periode Januari sampai dengan Desember inflation in the period of January to December 2013 which
2013 mencapai angka 8,38%, Suku Bunga Acuan (BI Rate) reached 8.38%, BI Rate which continued to rise until it
yang terus naik hingga mencapai 7,5%, penurunan indeks reached 7.5%, and the decline of the IDX Composite Index.
harga saham gabungan (IHSG) di Bursa Efek Indonesia. These indicators described the economic situation during
Indikator-indikator tersebut menggambarkan situasi 2013 was unstable, thus effecting the expansion of credit,
perekonomian selama tahun 2013 dalam kondisi yang tidak especially productive credit.
stabil. Hal tersebut berpengaruh terhadap ekspansi kredit,
terutama kredit produktif.
94
• Kebijakan pemerintah dengan menaikan harga BBM pada • The Government policy to raise fuel-oil price in June 2013
bulan Juni 2013 sangat berpengaruh terhadap turunnya daya was very influential on the decline in purchasing power. Due
beli masyarakat. Hal itu mengakibatkan tidak terserapnya to the rise of fuel-oil price, not all products were able to be
semua hasil produksi, sehingga menurunkan tingkat absorbed, resulting in lower sales level. The domino effect
penjualan. Efek domino yang disebabkan oleh kenaikan caused by the increase in fuel-oil price was also felt by the
harga BBM juga dirasakan oleh debitur yang kemampuan debtors whose ability to make payment decreased.
untuk melakukan pembayarannya menjadi berkurang. • The less friendly natural condition in 2013, such as the
• Kondisi alam di tahun 2013 yang kurang bersahabat, seperti occurrence of volcanic eruptions, earthquakes, floods,
terjadinya gunung meletus, gempa bumi, banjir bandang, prolonged drought in some areas which have contributed to
musim kering yang berkepanjangan di beberapa daerah, the negative economic condition. Farmers who have loans
Introduction
ikut memberikan kontribusi yang negatif terhadap kondisi at the bank were unable to pay their obligations due to crop
perekonomian. Para petani yang memiliki pinjaman di bank failure; the distribution of trade was also hindered because
tidak mampu untuk membayar kewajibannya dikarenakan of the weather factor.
gagal panen, distribusi perdagangan juga terhambat karena
adanya faktor cuaca.
Performance
bjb e-TAX
T PBB
INGA BJB
Good Corporate
E-Tax
Governance
N G AT
I
Nikmati kemudahan
pembayaran PBB
24 jam di Seluruh
ATM bank bjb
Corporate Social
Responsibility
Consolidated
kini kami semakin dekat
Wajib Pajak dapat melakukan pembayaran PBB melalui Jaringan Kantor,

Garansi Bank
Mobile EDC dan Jaringan ATM bank bjb

24 jam sehari di seluruh Indonesia secara real time online
bjb
Corporate Data
Kredit Mikro Utama menjadi andalan selama tahun 2013 Kredit Mikro Utama became the mainstay for the year 2013 since
dikarenakan memberikan kontribusi pertumbuhan sebesar 26,19% it contributed growth of 26.19% or equivalent to Rp697.82 billion
atau setara Rp697,82 miliar dengan ekspansi kredit kelolaan with managed credit expansion reaching Rp2.84 trillion and Run-off
mencapai Rp2,84 trilun dan Run Off Rp2,15 triliun. Sehingga, Rp2.15 trillion, thus net growth YoY reached Rp697.82 billion.
pertumbuhan bersih YoY mencapai Rp697,82 miliar.
95
Mikro Micro
Rencana Strategi Pemasaran Strategic Marketing Plan

Untuk mendukung pengembangan segmen bisnis mikro, pada To support the development of micro-business segment, in 2013
tahun 2013 bank bjb telah melakukan beberapa strategi pemasaran bank bjb conducted the marketing strategies described as follows:
sebagai berikut: 1. Change the ceiling of Kredit Mikro Utama
1. Melakukan perubahan plafon Kredit Mikro Utama. 2. Eliminate the processor function in line with the Bank Indonesia
2. Menghilangkan fungsi processor sejalan dengan ketentuan BI provision regarding the precautionary principle for banks who
perihal prinsip kehati-hatian bagi bank umum yang melakukan hand over several of their works to other parties.
penyerahan sebagian pelaksanaan pekerjaan kepada pihak 3. Change the way of collateral binding in the form of shop/ stall/
lain. kiosk with proof of ownership of right to use the kiosk.
3. Perubahan cara pengikatan agunan dalam bentuk toko/lapak/ 4. Use clustered scheme in the distribution of Kredit Mikro
kios dengan bukti kepemilikan berupa hak pakai atas kios. Utama.
4. Menggunakan pola klusterisasi dalam penyaluran Kredit Mikro 5. Develop Monitoring System
Utama. 6. Implement Selective Selling in the distribution of credit.
5. Melakukan pengembangan Monitoring System. 7. Perfect the Credit Management Strategy.
6. Menerapkan Selective Selling dalam penyaluran kredit. 8. Work together with the State Auction Service Offices (KPKNL)
7. Menyempurnakan Strategi Penanganan Kredit. in the treatment of non-performing loans.
8. Menggandeng Kantor Pelayanan Kekayaan Negara dan Lelang 9. Develop an Online Micro Credit Application and Online Micro
(KPKNL) dalam penanganan kredit bermasalah. Credit Guarantee
9. Mengembangkan Aplikasi Kredit Online Mikro dan Aplikasi 10. Develop the Waroeng bjb Type C.
Penjaminan Kredit Online (APKO). 11. Conduct market segmenting by focusing on the primary
10. Melakukan pengembangan Waroeng bjb Type C. debtors, seeking to improve the management of assets and
11. Melakukan segmentasi pasar dengan fokus pada debitur while developing new markets.
utama, berupaya meningkatkan kelolaan aset dan tetap 12. Improve the quality of services to the Branch Offices/Sub-
berusaha mengembangkan pasar yang baru. Branch Offices and the Customer.
12. Peningkatan Kualitas Servis baik Kepada KC/KCP dan 13. Implement policy stimulus by updating existing policies,
Nasabah. standardize the legal document analysing tool, and increase
13. Penerapan stimulus kebijakan dengan melakukan pemutakhiran the number of employees managing loan portfolio.
atas kebijakan yang ada, penyeragaman tools analisa dokumen
legal, dan penambahan jumlah pegawai yang mengelola
portofolio kredit.
96
Strategi yang akan dijalankan bank bjb untuk tahun For 2014, bank bjb has the following strategies:
2014, di antaranya: 1. Conduct Gathering/ Marketing Assistance.
1. Melaksanaan Gathering/Bantuan Pemasaran. 2. Prepare Communication Media.
2. Pembuatan Media Komunikasi. 3. Account Officer Education.
3. Pendidikan Account Officer. 4. Develop Loan Origination System.
4. Pengembangan Loan Origination System. 5. Develop Waroeng bjb network.
5. Pengembangan Jaringan Waroeng bjb. 6. Socialize the Credit Restructuring Program.
6. Program Sosialisasi Restrukturisasi Kredit. 7. Top Up the existing potential debtors who have a healthy credit
7. Potensi Top Up debitur existing yang memiliki riwayat kredit history.
yang sehat. 8. Intensify cooperation with the Central Government/technical
Introduction
8. Kerja sama yang lebih intens dengan Pemerintah Pusat/ Ministries, West Java Provincial Government and other
Kementerian teknis, Pemerintah Provinsi Jawa Barat maupun Institutions.
Lembaga lainnya. 9. Perform mapping/mapping of potential credit program within
9. Melakukan mapping/pemetaan potensi Kredit Program di the areas of bank bjb and maintain good relationships with
wilayah kerja bank bjb dan menjaga hubungan baik dengan
existing debtors managed by the Credit Program.

debitur existing kelolaan Kredit Program. 10. Maintain the scheme Warehouse Receipt Loan (Kredit Subsidi
Performance
10. Mempertahankan Kredit Subsidi Skema Resi Gudang (S-SRG) Skema Resi Gudang/S-SRG) of bank bjb with the biggest and
bank bjb dengan plafon terbesar dan terbaik di Indonesia. best ceiling in Indonesia.
11. Menghentikan sementara penyaluran (stop selling) bagi 11. Conduct stop selling (temporary suspend distribution) for the
Cabang/KCP yang NPL nya diatas 5%, sehingga dapat lebih Branch Offices/Sub-Branch Offices with NPL above 5%, so that
fokus dalam menurunkan tingkat NPL serta tetap secara pro they can be more focus in lowering the level of NPL and remain
aktif dalam melakukan penagihan. pro-active in collection.
Good Corporate
Governance
12. Koordinasi dengan Grup Collection dalam rangka tidak terbatas 12. Coordinate with the Collection Group in order to perform
pemantauan kredit. unlimited credit monitoring.
13. Melakukan mapping potensi internal dan eksternal. 13. Conduct internal and external potential mapping.
14. Melakukan gathering BPR existing untuk setiap kanwil yang 14. Hold gathering for existing Rural Banks (BPR) within the areas
akan dilaksanakan pada minggu ke-2 dan ke-3 bulan Februari of the regional offices which will be held at 2nd and 3rd week
dan minggu ke-1 dan ke-2 bulan Maret. of February and the 1st and 2nd week of March.
Corporate Social
15. Melakukan sosialisasi terkait perubahan ketentuan/SOP produk 15. Socialize the changes in regulations/ products SOP in all regional
Responsibility
di setiap Kanwil. offices.
16. Melakukan pelatihan penilaian Koperasi dengan Dinas 16. Conduct cooperative assessment training with the Department
Koperasi di awal bulan Februari. of Cooperatives in early February.
17. Menggali dan mencari data base koperasi yang berkinerja baik 17. Search for the data of cooperatives with good performance
kepada Dinas Koperasi. from the Department of Cooperatives.
18. Melanjutkan Perubahan dan Pengembangan Produk. 18. Continue to perform changes and Product Development.
Consolidated
Corporate Data
97
Internasional dan Tresuri International & Treasury
Internasional
dan Tresuri
+ 14,71% Transaksi Trade
Trade Transaction
International & Treasury
+ 37,47%
Remittance
Remittance
98
Internasional International
Pada tahun 2013, Divisi Internasional terus melanjutkan upayanya In 2013, the International Division continued the efforts to improve
untuk meningkatkan transaksi sekaligus meningkatkan kualitas transactions as well as enhance the quality of services in all of its
layanan di semua lini bisnisnya. Sepanjang periode tersebut, Divisi business lines. Throughout this period, the International Division
Internasional berhasil mencatat pertumbuhan dalam transaksi managed to record growth in business transactions including the
bisnis yang meliputi transaksi trade finance, remitansi, dan Financial transactions: trade finance, remittance, and Financial Institution.
Institution.
Keberhasilan tersebut diraih melalui upaya terus-menerus The success was achieved through continuous efforts to market
Introduction
memasarkan produk existing. Terutama yang merupakan sumber existing products, mainly the products as sources of income in the
pendapatan berupa Pengambilalihan Dokumen, baik dengan form of Takeover Documents, both with underlying L/C and Non–
underlying L/C maupun Non-L/C, serta mampu memberikan skema L/C, as well as able to provide trade scheme focusing on customer-
trade yang berfokus pada customer centric. centric.
Selain melakukan pemasaran produk existing yang telah memberikan In addition to the marketing of existing products that have contributed
kontribusi terhadap peningkatan fee based income dan interest to the increase in fee-based income and interest income, bank bjb
Performance
income, bank bjb fokus pada pengembangan Financial Institution focused on the development of a Financial Institution as one of the
sebagai salah satu profit center. Hal itu dilakukan sebagai upaya untuk profit center. This was performed in the effort to produce healthy
menghasilkan pertumbuhan yang sehat dan berkesinambungan and sustainable growth in the international banking business.
dalam bisnis perbankan internasional.
Financial Institution terus mengembangkan bisnisnya melalui Financial Institution continued to develop their business through
Good Corporate
Governance
transaksi-transaksi seperti Bank Guarantee Under Counter & transactions such as Bank Guarantee under Counter & Counterparty
Counterparty Bank Financing melalui skema UPAS/UPAU Financing, Bank Financing through the scheme UPAS/UPAU Financing, Risk
Risk Participation. Selain itu, juga terus memasarkan produk-produk Participation. Moreover, it also continued to market other inter-bank
kerja sama antarbank lainnya. joint products.
Dalam upaya mendukung percepatan bisnisnya, Financial Institution Financial Institution also continuously seeks to develop the network
Corporate Social
Responsibility
juga secara berkesinambungan berupaya mengembangkan of correspondent banks and counterparties in the effort to support
jaringan bank koresponden dan counterparty. Hal ini dilakukan the acceleration of business. This was conducted by expanding
demi memperluas jaringan untuk mendukung transaksi serta bisnis the network to support transactions and international business.
internasional. Saat ini telah lebih dari 444 hubungan koresponden Currently, we have more than 444 correspondent relationships with
dibuka dengan bank di berbagai negara maupun nonbank dan banks from various countries as well as non-banks and other financial
lembaga keuangan lainnya. institutions.
Consolidated
Sepanjang tahun 2013, produk trade finance dan jasa sudah sangat Throughout 2013, trade finance products and services are very
beragam dalam rangka mengakomodasi kebutuhan nasabah. Produk diverse in order to accommodate the needs of the customers. The
tersebut juga dinikmati oleh bank lain dengan syarat dan ketentuan products are also enjoyed by other banks with the applicable terms
yang berlaku. and conditions.
Saat ini, potensi bisnis antarbank cukup terbuka bagi bank bjb. Currently, the potential for inter-bank business is quite open to
Corporate Data
Selain peringkat (rating) Perseroan yang baik, kedudukannya sebagai bank bjb. In addition to the good ranking (rating) of the Company,
bank pemerintah juga memberikan banyak manfaat dalam meraih its position as a government bank also provides many benefits in
potensi transaksi bisnis antarbank. reaching the potential of business transactions among banks.
Dengan nilai tambah tersebut dan pelayanan prima yang diberikan These added value and excellent services provided by bank bjb are
oleh bank bjb, diharapkan dapat membawa Perseroan menjadi expected to bring the company to become a regional player in
regional player di Indonesia, sejajar dengan bank-bank besar lainnya Indonesia, in the same level with other major banks in trade finance
dalam bidang trade finance dan jasa. Produk yang memiliki potensi and services. Products that have quite large interbank business
bisnis antarbank cukup besar adalah transaksi Counter Guarantee, potentials are transactions of Counter Guarantee, Guarantee under
Guarantee under Counter Guarantee, Counterparty Bank Trade Counter Guarantee, Counterparty Bank Trade Financing, Risk
Financing, Risk Participation, dan Forfaiting. Participation, and Forfaiting.
99
Selain mengembangkan bisnis trade finance dan jasa, Divisi In addition to developing trade finance and services businesses, the
Internasional terus meningkatkan transaksi remitansi existing melalui International Division continues to enhance the existing remittance
produk bjb transfer valas. Guna memberikan pelayanan kepada transactions through the bjb foreign currencies transfer product.
masyarakat luas hingga ke pelosok daerah yang memerlukan layanan In order to provide services to the general public up to the remote
perbankan serta mendukung pencapaian fee based, pada tahun areas that require banking services as well as to support the fee
2013 Divisi Internasional mulai mengembangkan produk remitansi based achievements, in 2013 the International Division 2013 began
yang dapat diterima di seluruh negara, khususnya negara tujuan TKI developing remittance products that can be accepted in all countries,
yang dinamakan dengan bjb quickcash. especially TKI destination countries, which is called bjb quickcash.
bjb quickcash tampil dengan berbagai alternatif solusi yang dapat bjb quickcash is featured with a variety of alternative solutions that
dimanfaatkan oleh para remitting agent rekanan bank bjb sesuai can be utilized by the remitting agent who are partners of bank bjb
dengan kebutuhan. Alternatif solusi untuk bisnis remitansi bjb as needed. Alternative solutions for the bjb quickcash remittance
quickcash yang ditawarkan pada tahun 2013, melalui Desktop business which was offered in 2013, through the Desktop Solution
Solution dan Host to Host. and Host to Host.
Terkait upaya mewujudkan layanan prima atau service excellent, In relations to efforts in achieving service excellent, bank bjb always
bank bjb selalu mengedepankan SLA (Service Level Agreement) emphasizes on the SLA (Service Level Agreement) in providing services
dalam memberikan pelayanan kepada nasabah. Konsistensi terhadap to customers. The consistency with the SLA fulfillment becomes an
pemenuhan SLA menjadikan nilai tambah bagi Perseroan dalam added value to the Company in competing with other banks that
bersaing dengan bank lain yang memiliki produk serupa. have similar products.
Upaya yang dilakukan untuk mendukung pencapaian SLA melalui Efforts conducted to support the achievement of SLA through
sentralisasi penanganan transaksi trade finance dan jasa, serta centralized management of trade finance transactions and services,
dibentuknya Unit CSC (Customer Service Care) untuk penanganan as well as the establishment of the CSC (Customer Care) Unit for
complaint handling transaksi remitansi. Perluasan jaringan dengan complaint handling of remittance transactions. Network expansion
remitting agent juga sebagai salah satu upaya untuk memberikan by remitting agent is also one of the effort to provide services to
pelayanan kepada nasabah yang tidak dapat terjangkau oleh jaringan customers that can not be covered by bank bjb office network.
kantor bank bjb.
Komitmen “one day service” dan “zero error” dalam penanganan The “one-day” and “zero errors” commitments in handling trade
transaksi trade finance dan jasa merupakan wujud upaya bank bjb finance transactions and services is a form of bank bjb’s efforts in
dalam memberikan pelayanan prima. Pada intinya, peningkatan providing excellent service. In essence, improvements to customer
layanan kepada nasabah dilakukan dengan memberikan solusi yang service is performed by providing the best solutions for customers.
terbaik bagi nasabah.
Pengembangan Infrastruktur Infrastructure development
Untuk mendukung upaya bank bjb menjadi pemain regional di To support the Company’s efforts to become a regional player in the
sektor keuangan serta mewujudkan layanan prima kepada nasabah, financial sector and to realize excellent service to the customers, the
Divisi Internasional juga terus memperkuat infrastrukturnya. Hal itu International Division also continues to strengthen its infrastructure.
dilakukan pada pengembangan aplikasi layanan dan sumber daya This was conducted by the development and application of human
manusia. resource services.
A. Infrastruktur di Bidang Trade Finance dan Jasa A. Infrastructure in the field of Trade Finance and Services
Penanganan dokumen trade finance dan jasa dilaksanakan The handling of trade finance and services documents by
oleh checker dan analis yang berpengalaman di bidang trade checkers and analysts experienced in the field of trade finance
finance dan jasa, serta telah mengikuti pelatihan program CDCS and services, as well as attended CDCS (Documentary Credit
(sertifikasi Documentary Credit yang diakui secara internasional). certification recognized internationally) program. Operational
Operasional transaksi layanan tersebut akan semakin efektif transactions of such services will be more effective and efficient
dan efisien serta akurat dengan dukungan sistem terintegrasi as well as accurate with the support of an integrated system
(integrated system) yang dinamakan TI-Plus. called IT-Plus.
100
Proses implementasi TI-Plus pada tahun 2013 telah selesai The implementation process of TI-Plus in 2013 has been 90%
90%. Pada tahun 2014, proses implementasinya mencapai completed. In 2014, the implementation process has achieved
kesempurnaan. perfection.
B. Infrastruktur di Bidang Remitansi (bjb quickcash) B. Infrastructure in Remittance (bjb quickcash)

Aplikasi bjb quickcash juga terus dikembangkan demi The bjb quickcash application is also continuously being
mewujudkan bisnis model remitansi yang memberikan alternatif developed in order to realize the business model of remittance
solusi bagi remitting agent. Hingga akhir 2013, pengembangan that provides alternative solutions for the remitting agent. Up to
yang sudah selesai dilakukan Desktop Solution dan Host to the end of 2013, completed developments conducted Desktop
Host. Solution and Host to Host.
Introduction
Sementara pada tahun 2014, rencananya dikembangkan Meanwhile in 2014, the plan was to develop alternative File
alternatif solusi File Transfer Solution. Tahun berikutnya, yaitu Transfer Solution. Next year, in 2015, the plan is to develop
2015, rencananya dikembangkan alternatif solusi Online alternative Online Solution.
Solution.
Performance
Kinerja Bisnis Business Performance
Trade Finance Trade Finance

Pengembangan bisnis yang dilakukan sepanjang tahun 2013 telah In 2013, our business development showed positive trend, reflected
menunjukan tren yang cukup positif. Hal ini, ditandai dengan kinerja by the business performance of trade finance of bank bjb with a
bisnis trade finance bank bjb yang berhasil meraih total portofolio total transaction portfolio of Rp1.74 trillion, an increase of 14.71%
Good Corporate
Governance
transaksi selama tahun 2013 mencapai volume Rp1,74 triliun atau over the previous year.
meningkat 14,71% dibanding tahun sebelumnya.
Bisnis Remittance Business Remittance

Kinerja bisnis remittance selama tahun 2013 secara keseluruhan Overall, the performance of business remittance in 2013 was
terjadi peningkatan fee based sebesar 37,47% dibandingkan 2012. reflected by the 37.47% increase in fee-based compared to 2012.
Corporate Social
Peningkatan tersebut terjadi selaras dengan strategi pemasaran yang The increase was in line with the marketing strategies implemented
Responsibility
telah dilakukan selama tahun 2013, yaitu penambahan sub agent during the year 2013, namely the addition of subagent (BPR/Rural
(BPR), agen di luar negeri, promosi-promosi yang telah dilakukan Bank), overseas agents, promotions conducted throughout the
sepanjang tahun 2013, dan bertambahnya jaringan kantor bank bjb. year 2013, and the growing network of bank bjb offices. Thus, the
Sehingga, peluang meraih pasar remittance semakin terbuka. chance to reach the remittance market became more open.
Faktor Pendukung Supporting Factors
Consolidated
Sepanjang tahun 2013, ada sejumlah hambatan yang dihadapi Throughout the year 2013, there were several number of obstacles
dalam pengembangan bisnis internasional. Di antaranya, volatilitas encountered in the development of international business, among
mata uang asing terhadap rupiah maupun ketatnya persaingan others, the volatility of the foreign currency against Rupiah as well
transaksi antarbank untuk produk yang sama. as the high competition in inter-bank transactions within the same
product.
Corporate Data
Kendati demikian, hal itu tidak menyurutkan upaya bank bjb untuk However, these obstacles did not lessen bank bjb’s efforts to
terus mengembangkan transaksi perbankan internasional. Upaya continue to develop international banking transactions, which were
tersebut di antaranya didukung dengan: supported by:
1. Jaringan yang luas dan berkembang pesat, serta jaringan 1. The extensive and rapidly growing network, as well as the
koresponden di berbagai negara serta produk transaksi trade network of correspondents in various countries as well as the
and services yang dikembangkan sesuai dengan kebutuhan trade and services transaction product which was developed
pasar. according to the needs of the market.
2. Pengembangan produk dan layanan trade finance sesuai 2. The development of trade finance products and services
kebutuhan pasar. according to the market needs.
3. Memberikan pricing terbaik kepada nasabah dengan 3. The provision of best pricing to customers by offering an
menawarkan alternatif lower cost of fund, berupa akses alternative of lower cost of fund in the form of funding access
pendanaan yang bersumber dari bank koresponden di dalam sourced from correspondent banks in the country and abroad.
negeri maupun di luar negeri.
101
4. Pengembangan aplikasi bjb quickcash secara terus menerus oleh 4. The continuous development of bjb Quickcash application
internal bank bjb, agar dapat digunakan oleh Remittance Agent internally so that it becomes user friendly and able to be used by
di dalam dan di luar negeri dan user friendly. the Remittance Agent inside and outside the country.
5. Gathering nasabah dan calon nasabah potensial, baik terkait 5. Customer and potential prospective customers gathering, both
transaksi trade finance maupun remittance. in terms of trade finance transactions and remittance.
6. Program-program pemasaran menarik yang dapat menjaring 6. Attractive marketing programs able to capture the remittance
pasar remittance. market.
7. Pengembangan kapabilitas sumber daya manusia secara 7. The development of human resource capabilities on an on-going
berkelanjutan melalui pelatihan eksternal dan internal untuk basis through external and internal training for the employees in
yang berada di kantor cabang maupun kantor pusat. the branch office or headquarter.
Aktivitas Pemasaran Marketing Activities

Sepanjang tahun 2013, bank bjb telah melakukan sejumlah aktivitas Throughout 2013, bank bjb has conducted a number of marketing
pemasaran sebagai upaya mendukung kinerja Perseroan. Beberapa activities in order to support the Company’s performance. Some of
kegiatan tersebut: these activities:
A. Pemasaran Transaksi Trade Finance and Services A. Trade Finance and Services Transaction Marketing
Dalam rangka mendukung peningkatan transaksi trade finance In order to support increased trade finance and services
dan jasa, kegiatan pemasaran dilakukan bersifat proaktif. Di transactions, marketing activities conducted are proactive.
antaranya melalui gathering dengan nasabah dan calon nasabah Including through gathering with customers and potential clients,
potensial, BKPM, BKPMD, komunitas bisnis, asosiasi pengusaha, BKPM, BKPMD, business community, entrepreneur association,
Kadin, HIPMI, HIPPI yang memiliki orientasi transaksi ekspor- Chamber of Commerce, HIPMI, HIPPI that have export-import
impor. transactions orientation.
Pengembangan bisnis tercermin pada kinerja bisnis trade finance Business development is reflected in bank bjb’s trade finance
bank bjb dengan total portofolio transaksi perdagangan selama business performance with a total portfolio of trade transactions
tahun 2013 mencapai Rp1,74 triliun. Dibandingkan tahun during 2013 reaching Rp1.74 trillion. Compared to the previous
sebelumnya, pencapaian tersebut mengalami peningkatan year, the achievement experienced an increase of 14.71%.
sebesar 14,71%.
Hingga akhir 2013, ada 47 nasabah aktif yang melaksanakan Up to the end of 2013, there are 47 active clients who perform
transaksi trade finance dan jasa di bank bjb. Selain itu, ada 5 trade finance and services transactions in bank bjb. In addition,
bank koresponden yang telah menggunakan produk tersebut there are 5 correspondent banks that have used these products
melalui transaksi antarbank dengan bank bjb. through interbank transactions with bank bjb.
B. Pemasaran Transaksi Remitansi B. Remittance Transaction Marketing

Kinerja bisnis remitansi selama tahun 2013 secara keseluruhan Remittance business performance during 2013 as a whole
mengalami peningkatan fee based sebesar 37,47% experienced a fee based increase of 37.47% compared to 2012.
dibandingkan tahun 2012. Peningkatan tersebut terjadi selaras The increase was in line with the marketing strategies which
dengan strategi pemasaran yang telah dilakukan, yaitu berupa: have been performed, which are: the addition of a sub-agent
penambahan sub-agen (BPR), agen di luar negeri (Hong Kong, (BPR), overseas agents (Hong Kong, Malaysia, and Taiwan),
Malaysia, dan Taiwan), menjalin hubungan baik dan kemitraan establishing good relationships and partnerships with institutions
dengan lembaga yang memiliki potensi untuk mengembangkan that have the potential to develop remittance, both private and
remitansi baik swasta maupun pemerintah (Kementerian Tenaga government (Ministry of Manpower and Transmigration, TKI
Kerja & Transmigrasi, Asosiasi Pengelola TKI, Disnaker, Purna TKI Management Association, Manpower Agency, Purna TKI and
dan BNP2TKI), promosi melalui media cetak, elektronik, maupun BNP2TKI), promotions through print and electronic media, as well
sebagai narasumber di berbagai acara gathering, melakukan as speakers in various gatherings, conducting banking education
edukasi perbankan terkait kiriman uang kepada masyarakat related to remittance to the general public. In addition, the
luas. Selain itu, peningkatan juga didukung oleh penambahan increase was also supported by the addition of bank bjb office
jaringan kantor bank bjb. Selama tahun 2013, terdapat 14 BPR network. During 2013, there were 14 BPRs spread in Boyolali,
yang tersebar di Boyolali, Serang, Cianjur, Bekasi, Karawang, dan Serang, Cianjur, Bekasi, Karawang, and Majalengka which has
Majalengka yang telah menjadi sub-agen. become sub-agents.
102
C. Pemasaran Transaksi Antar-Bank (Financial Institution) C. Marketing Inter-Bank Transactions (Financial Institution)
Dalam upaya mendukung kelancaran pelaksanaan transaksi dan In the effort to support the execution of business transactions and
percepatan bisnis Divisi Internasional, Financial Institution secara the acceleration of the International Division, Financial Institution
berkesinambungan berupaya mengembangkan jaringan bank continuously strives to develop a network of correspondent banks
koresponden dan counterparty untuk memperluas network. Saat and counterparties to expand the network. Currently, more than
ini, telah lebih dari 444 hubungan koresponden dibuka dengan 444 correspondent relations with banks various countries were
bank di berbagai negara maupun non-bank dan lembaga opened as well as non-banks and other financial institutions.
keuangan lainnya.
Selain upaya pengembangan jaringan bank koresponden, untuk In addition to efforts in developing a network of correspondent
Introduction
mengoptimalkan hubungan kerja sama dan peningkatan fee banks, to optimize cooperation and increase in fee-based income,
based income, dilakukan kegiatan pemasaran produk trade inter bank trade finance and service products marketing activities
finance dan jasa antarbank. Kontribusi pendapatan fee based have been conducted. The contribution of fee-based revenue
income yang diperoleh dari transaksi tersebut selama tahun earned from these transactions during 2013 was significant.
2013 cukup signifikan.
Performance
Untuk terus meningkatkan pertumbuhan bisnis perbankan To continue to improve the growth of international banking business
internasional pada tahun 2014, selain tetap mendorong in 2014, in addition to continue to promote the growth of trade
pertumbuhan transaksi trade finance dan remitansi, bank bjb akan finance and remittance, bank bjb will further enhance the role of
lebih meningkatkan peran Financial Institution sebagai salah satu Financial Institution as a profit center.
Good Corporate
Governance
profit center.
Beberapa rencana kerja dan strategi pemasaran yang telah Some of the work plans and marketing strategies that have been
dirancang untuk meningkatkan pertumbuhan di tahun 2014 adalah designed to boost growth in 2014 are described as follows:
sebagai berikut: 1. Business Development in 2014 will be more focused on
1. Pengembangan Bisnis di tahun 2014 akan lebih banyak developing remittance products by optimizing “bjb Quickcash”,
Corporate Social
difokuskan kepada pengembangan produk remittance dengan a remittance system developed internally by bank bjb.
Responsibility
melakukan optimalisasi “bjb quickcash”, sistem remittance yang Development of “bjb Quickcash” system will focus on providing
dikembangkan secara internal oleh bank bjb. Pengembangan more optimal convenience for remitting agents in executing
sistem “bjb quicash” akan menitikberatkan kepada pemberian transactions. The development of remittance will also focus on
kemudahan yang lebih optimal bagi remitting agent dalam the expansion of the network, by adding overseas remittance
melaksanakan operasional transaksi. Pengembangan remittance agents, namely Singapore, Malaysia, Taiwan, and Hong Kong.
juga akan menitikberatkan kepada perluasan jaringan, dengan 2. Not only improve network expansion overseas, the expansion of
Consolidated
menambah remittance agent di luar negeri, yaitu Singapura, domestic remittance business network will also be explored by
Malaysia, Taiwan, dan Hong Kong. cooperating with remittance agents with extensive network. The
2. Tidak hanya meningkatkan perluasan jaringan di luar negeri, cooperation is expected to provide mutual benefits in working
perluasan jaringan bisnis remittance di dalam negeri akan on the same remittance market.
dijajaki juga dengan menggandeng remittance agent yang 3. Increase of the remittance business will also focus on increasing
telah memiliki jaringan luas. Kerja sama ini diharapkan dapat the transfer of foreign currency transactions, which will be
Corporate Data
memberikan mutual benefit dalam menggarap pasar remittance driven by the promotion of products through both print and
yang sama. electronic media. In addition, marketing will also be conducted
3. Peningkatan bisnis remittance juga akan difokuskan pada by packaging the product in a way that is more attractive to
peningkatan transaksi transfer valas, yang akan didorong dengan customers thus encouraging them to perform the transaction of
upaya promosi produk baik melalui media cetak maupun foreign currency transfer through bank bjb.
elektronik. Selain itu, upaya pemasaran dengan mengemas 4. Work together with PT Telekomunikasi Indonesia Tbk in the field
produk menjadi lebih menarik bagi nasabah untuk melakukan of remittance and the appointment of bank bjb as the treasury
transaksi transfer valas di bank bjb. bank of PT Telekomunikasi Indonesia Tbk. This partnership is
4. Melakukan kerja sama dengan PT Telekomunikasi Indonesia Tbk. expected to provide mutual benefits in working on the same
dalam bidang remittance dan penunjukan bank bjb sebagai remittance market, both domestic and abroad.
treasury bank PT Telekomunikasi Indonesia Tbk. Kerja sama ini
diharapkan akan memberikan mutual benefit dalam menggarap
pasar remittance yang sama, baik di dalam maupun luar negeri.
103
5. Pengembangan Bisnis Trade Finance di tahun 2014 akan fokus 5. The development of Trade Finance in 2014 will focus on
pada pengembangan structure trade bekerja sama dengan the development of structure trade in cooperation with the
bank-bank koresponden, baik di dalam maupun luar negeri. correspondent banks, both domestic and abroad. In addition,
Selain itu, juga melakukan aliansi strategis dengan bank-bank strategic alliance with the banks will also be established. This
tersebut. Hal itu diharapkan dapat meningkatkan transaksi bjb. is expected to increase bjb transactions. In addition, it can
Di samping itu, dapat meningkatkan brand awareness bank bjb increase bank bjb brand awareness within the national banking
dilingkungan perbankan nasional dengan produk produk yang environment with competitive and varied products.
kompetitif dan bervariasi. 6. In addition to developing trade finance products, the year
6. Selain mengembangkan produk trade finance, tahun 2014 akan 2014 will be the year to improve services to customers among
menjadi tahun untuk meningkatkan pelayanan kepada nasabah others providing export import tax services as well as improve
diantaranya akan menyediakan jasa layanan pajak ekspor impor the quality of trade transaction services to customers by
serta meningkatkan kualitas pelayanan transaksi trade kepada performing certification ISO 9001 towards the process of trade
nasabah dengan melakukan sertifikasi ISO 9001 terhadap proses transactions.
pelaksanaan transaksi trade.
Tresuri Treasury
Dibidang Tresuri pada tahun 2013 melakukan transaksi pasar uang In 2013, the Treasury Division conducted more varied money market
yang lebih variatif guna menjaga arus kas jangka pendek dan transactions in order to maintain short-term cash flow and optimize
optimalisasi tingkat pengembalian (return). Serta tetap memberikan the rate of return. The Treasury Division also provides greater attention
perhatian lebih besar dalam pengembangan transaksi sales in the development of customer sales transactions.
nasabah.
Pengembangan Bisnis Business Development

Rencana Amerika mengurangi stimulus moneter (tapering off) ikut The plan of the U.S to reduce monetary stimulus plan (tapering off)
menekan perekonomian Emerging Market termasuk Indonesia, pressured the economy of the Emerging Markets, including Indonesia
sehingga mengalami perlambanan. Rencana kebijakan tersebut to experience a slowdown. The policy plan is a signal that the U.S.
merupakan sinyal bahwa perekonomian Amerika membaik. economy is improving.
Dampak dari situasi tersebut adalah penarikan dana oleh para The impact of this situation is the withdrawal of funds by foreign
investor asing, termasuk di Indonesia. Mereka menyimpan asetnya investors, including in Indonesia. The foreign investors kept their assets
dalam dolar Amerika, sehingga membuat nilai tukar rupiah melemah in U.S. Dollars, thus Rupiah weakened and asset was corrected.
dan aset terkoreksi.
Divisi Tresuri mengoptimalkan kondisi pasar keuangan tersebut The Treasury Division optimized the condition of the financial market
dengan melakukan transaksi jual-beli surat berharga dan transaksi by buying and selling securities and foreign exchange transactions in
valuta asing dalam rangka memperoleh pendapatan nonbunga. order to earn non-interest income. Moreover, to increase revenue,
Selain itu, untuk meningkatkan pendapatan, Divisi Tresuri juga the Treasury Division also purchased several short-term securities
melakukan transaksi pembelian surat berharga jangka pendek with high yield to obtain interest rate gapping from the money
dengan imbal hasil tinggi untuk kemudian diperoleh gapping suku market transactions.
bunga dari transaksi pasar uang.
Transaksi Money Market Money Market Transaction

Transaksi di pasar uang merupakan transaksi yang sangat Money market transaction is the transaction highly correlated with
berhubungan dengan tingkat suku bunga BI rate dari Bank Indonesia. the level of BI rate from Bank Indonesia. The weakening of the
Melemahnya nilai tukar mata uang rupiah sepanjang tahun 2013 Rupiah exchange rate during the year 2013 and the rise of BI rate up
dan tingkat BI rate yang menanjak hingga 7,50%, berdampak pada to the level of 7.50% affected on liquidity in the money market.
ketatnya likuiditas di pasar uang.
Dalam upaya optimalisasi jumlah likuiditas yang dikelola dan In the effort to optimize the excess of liquidity which was maintained
memanfaatkan momentum yang ada, Divisi Tresuri senantiasa aktif and made use of the existing momentum, the Treasury Division actively
melakukan penempatan pada instrumen pasar uang (PUAB, Reverse conducted placements in money market instruments (interbank,
Repo), maupun instrumen surat berharga jangka pendek. Selain Reverse Repo), and short-term securities instruments. In addition, in
104
itu, dalam rangka meningkatkan pendapatan bunga dilakukan order to increase interest income trading activities through the short
kegiatan trading melalui strategi short gapping, sehingga diperoleh gapping strategy were conducted in order to obtain optimal interest
pendapatan bunga yang optimal. income.
Tingginya volume transaksi bank bjb di pasar uang, khususnya The high volume of transactions of bank bjb in the money market,
reverse repo, menjadikan bank bjb sebagai salah satu dari delapan especially the reverse repo, has made bank bjb one of the eight
bank nasional yang ditunjuk oleh Bank Indonesia untuk merumuskan national banks appointed by Bank Indonesia to formulate and sign
dan menandatangani Mini Master Repo Agreement (Mini MRA). the Mini Master Repo Agreement (Mini MRA). By signing the Mini
Dengan ditandatanginya Mini MRA itu, maka akses bank bjb ke MRA, the bank bjb’s access to the interbank money market, both for
pasar uang antarbank, baik untuk optimalisasi maupun penyedian optimization and provision of liquidity, became greater.
Introduction
likuiditas, semakin besar.
Portofolio Trading Money Market

Money Market Trading Portofolio
Tahun/Year Nominal
2011 4.670
Performance
2012 7.390
2013 7.318
Transaksi Fixed Income Fixed Income Transaction

Kenaikan tingkat suku bunga BI rate selama tahun 2013 berpotensi The increase of BI rate during 2013 potentially increase yield from
meningkatkan imbal hasil surat berharga. Sehingga, Divisi Tresuri securities. Thus, the Treasury Division took the step to make the
Good Corporate
Governance
mengambil langkah untuk melakukan pembelian obligasi jangka purchase of short and medium-term bonds, both government bonds
pendek dan menengah, baik obligasi pemerintah maupun obligasi and corporate bonds with optimal yields while still considering the
korporasi dengan imbal hasil yang optimal dan tetap memperhatikan risks.
risikonya.
Selain itu, transaksi surat berharga pun dilakukan dalam rangka In addition, the securities transactions were carried out in order
Corporate Social
Responsibility
memperoleh fee based income dengan memanfaatkan momentum to obtain fee-based income by taking advantage of the market
pasar. Hingga Desember 2013 Divisi Tresuri telah aktif melakukan momentum. As of December 2013 the Treasury Division was actively
transaksi surat berharga dengan klasifikasi banking dan trading. engaged in securities transactions classified as banking and trading.
Pasar obligasi cenderung mengalami penurunan sepanjang tahun The bond market tends to decline during the year 2013, due to the
2013, seiring rencana pengurangan stimulus moneter di Amerika plan to reduce monetary stimulus in the U.S. that provided impact on
yang berdampak terhadap turunnya dana asing di Emerging Market. the decline of foreign funds in the Emerging Markets. The Treasury
Consolidated
Divisi Tresuri mengambil kesempatan dari perubahan fundamental Division took advantage of the fundamental changes in the economy
ekonomi tersebut dengan melakukan jual beli surat berharga untuk by buying and selling securities for the trading portfolio.
portofolio trading.
Portofolio Trading Fixed Income

Trading Portfolio Fixed Income
Corporate Data
(dalam miliar rupiah) (in billion rupiah)

Tahun/Year Nominal
2011 82
2012 1.393
2013 3.400
105
Transaksi Foreign Exchange Foreign Exchange Transaction

Dalam rangka meningkatkan pelayanan kepada nasabah dan fee In order to improve services to customers and fee-based income,
based income, khususnya dalam transaksi valuta asing, Divisi Tresuri particularly in foreign exchange transactions, the Treasury Division
terus meningkatkan pelayanan dengan memberikan pricing yang continued to improve services by providing competitive pricing
kompetitif melalui bjb TIP FX. bjb TIP FX merupakan electronic through bjb TIP FX. bjb TIP FX is an electronic trading system
trading system yang menyediakan fitur transaksi secara real time that provides real-time transactions features between the Treasury
antara Dealing Room Divisi Tresuri dengan Kantor Cabang Devisa Division Dealing Room and the Foreign Exchange Branch Offices of
bank bjb. bank bjb.
Hal itu bertujuan untuk mengakomodasi kebutuhan transaksi This aims to accommodate the needs of foreign exchange transactions.
valuta asing. Di samping itu, Divisi Tresuri juga meningkatkan aktivitas In addition, the Treasury Division also increased the activity of sales
transaksi sales kepada nasabah existing dan new customer seperti transaction for existing customers and new customers such as PT
PT Semen Indonesia, PTPN VIII, Pupuk Sriwijaya, Grup PT Krakatau, Semen Indonesia, PTPN VIII, Pupuk Sriwijaya, PT Krakatau Group, and
dan PT Telkom. PT Telkom.
Dengan dukungan infrastruktur yang memadai dan penawaran With the support of adequate infrastructure and competitive
harga yang kompetitif, pada tahun 2013 volume transaksi nasabah prices, in 2013 the volume of customer transactions reached
mencapai US$293 juta. Dibandingkan tahun 2012, berarti mengalami US$293 million, an increase of 130.51% compared to the year
peningkatan 130,51%. Keuntungan fee base income transaksi 2012. In 2013, the profit of the fee-based income from foreign
valuta asing dari sistem bank bjb TIP FX di tahun 2013 mencapai exchange transactions through the system bank bjb TIP FX reached
Rp16.360.810.695,76. Rp16,360,810,695.76.
Portofolio Trading Foreign Exchange

Trading Portfolio Foreign Exchange
(dalam juta dolar AS) (in million USD)
Tahun/Year Nominal
2011 52
2012 225
2013 293

Kondisi perekonimian global sepanjang 2013 sangat mempengaruhi The global economic condition throughout 2013 greatly affected
kegiatan bisnis Divisi Tresuri. Isu yang berkembang sejak kuartal I the business activities of the Treasury Division. The issue that spread
2013 mengenai pengurangan stimulus moneter Amerika mampu since the first quarter of 2013 regarding the reduction of the U.S.
menggerakkan pasar dengan signifikan. Kondisi tersebut ikut monetary stimulus was able to propel the market significantly. The
menekan perekonomian Indonesia. condition also pressured the Indonesian economy.
Dari dalam negeri sendiri, kenaikan harga bahan bakar minyak Within the country itself, the increase in the price of fuel oil (BBM)
(BBM) pada pertengahan tahun ikut memberikan tekanan terhadap in the mid of 2013 contributed in pressuring the economy. As an
perekonomian. Sebagai imbasnya, tingkat inflasi di Indonesia yang impact, Indonesia’s inflation rate increased significantly high and
meloncat tinggi dan rupiah tertekan oleh keluarnya investor asing. Rupiah was depressed by the exit of foreign investors.
Hal itu memaksa Bank Indonesia untuk menaikkan suku bunga BI This forced Bank Indonesia to raise the BI rate to 7.50% by the end of
rate hingga 7,50% per akhir tahun. Tingginya suku bunga yang the year. The high interest rate offered in the money market resulted
ditawarkan di pasar uang mengakibatkan ketatnya likuiditas. Dalam in tight liquidity. In such situation, the Treasury Division shifted some
situasi seperti itu, Divisi Tresuri mengalihkan sebagian portofolio of the short-term investments to be placed on the instruments with
penempatan jangka pendeknya untuk ditempatkan pada instrumen longer tenors, such as marketable securities.
dengan tenor yang lebih panjang, seperti surat berharga.
Divisi Tresuri mengantisipasi kondisi pasar yang menurun dengan The Treasury Division anticipated the declining market condition with
lebih fokus memperoleh keuntungan dari nasabah, baik dalam more focus on obtaining profit from the customers, either in the
bentuk valas maupun surat berharga. Instrumen surat berharga form of foreign currency or marketable securities. The marketable
yang ditawarkan pada nasabah berupa Obligasi Negara Ritel (ORI) securities instruments were offered to the customers in the form of
106
seri ORI010 pada pasar perdana. bank bjb ditunjuk kembali oleh Retail Government Bonds (ORI) ORI010 series on the primary market.
Departemen Keuangan untuk menjadi Agen Penjual ORI010. Hal ini bank bjb was reappointed by the Ministry of Finance to become a
merupakan kedua kalinya sejak tahun 2012, di mana bank bjb pun Sales Agent of ORI010. This became the second time since 2012, in
menjadi Agen Penjual ORI009. which the bank became the Sales Agent of ORI009.
Sementara untuk transaksi valuta asing nasabah, Divisi Tresuri As for the foreign exchange transactions of customers, the Treasury
memfasilitasinya dalam bentuk bjb TIP FX. Hal itu dilakukan untuk Division facilitated the bjb TIP FX. This was conducted in order to
memenuhi kebutuhan nasabah secara real time. meet the needs of customers in a real time manner.
Produk Andalan Lainnya Other Mainstay Products
Introduction
Obligasi Negara Ritel (ORI) Retail Government Bonds (ORI)
Pada tahun 2013, bank bjb menjadi salah satu dari 20 agen penjual In 2013, bank bjb became one of the 20 designated sales agents
ORI010 yang ditunjuk Departemen Keuangan setelah sebelumnya of ORI010 appointed by the Ministry of Finance after serving
menjadi Agen Penjual ORI009 pada tahun 2012 dan Sub Agen as Sales Agent ORI009 in 2012 and ORI Sub Sales Agent since
Penjual ORI sejak tahun 2007 hingga 2011 untuk ORI004 – ORI008. 2007 to 2011 for ORI004 - ORI008. The government is targeting
Performance
Pemerintah menargetkan bank bjb sebesar Rp165 miliar. Dari situ, Rp165 billion from bank bjb. The Bank managed to achieve RI010 sales
bank bjb berhasil mencapai penjualan ORI010 sebesar Rp209,125 of Rp209.125 billion or 126.74% of the target set.
miliar atau 126,74% dari target yang ditetapkan.
Kinerja penjualan ORI Perseroan untuk ORI004 hingga ORI010 bank bjb ORI sales performance in ORI004 to ORI010 can be seen in
dapat dilihat pada tabel di bawah ini: the table below:
Good Corporate
Governance
Seri ORI ORI004 ORI005 ORI006 ORI007 ORI008 ORI009 ORI010 Seri ORI
Tanggal Terbit 27/08/2007 19/08/2008 24/07/2009 15/07/2010 03/08/2011 10/10/2012 10/07/2013 Date
Kupon 9,50% 11,45% 9,35% 7,95% 7,30% 6,25% 8,50% Coupon
Maturity 12/03/2012 15/09/2013 15/08/2012 15/08/2013 15/10/2014 15/10/2015 15/10/2016 Maturity
Corporate Social
Agen Penjual Bank Danamon Bank Danamon Bank Panin Bank Panin Bank Panin bank bjb bank bjb Sales Agent
Responsibility
Nominal Penjualan 46.575.000.000 11.065.000.000 8.575.000.000 9.960.000.000 5.000.000.000 167.005.000.000 209.125.000.000 Nominal Sales
Jumlah Nasabah 379 224 199 153 149 495 625 Total Customer
Kegiatan bisnis tresuri yang semakin meningkat mendorong The increase of treasury business activities encouraged the Treasury
Consolidated
Divisi Tresuri untuk terus berupaya mengembangkan produk dan Division to continue to develop their products and services in order
layanannya agar dapat melayani nasabah dengan lebih baik. Hal to better serve the customers. This is reflected in the competency
ini tercermin dari kompetensi dealer dan sales yang di-training of the dealers and sales conducted on an ongoing basis in order to
secara berkesinambungan agar dapat mengelola produk-produk manage treasury products so as to improve the profitability of the
tresuri untuk dapat meningkatkan profitabilitas Divisi Tresuri. Treasury Division. Treasury products are also delivered in the form
Baik bersifat internal maupun eksternal bagi pegawai bank bjb, of training, both internally and externally to the employees of bank
Corporate Data
yang bertujuan meningkatkan kegiatan pemasaran produk tresuri bjb. This aims to improve the marketing of the treasury products and
maupun kegiatan cross selling dengan unit bisnis lain. cross-selling activities with other business units.
Divisi Tresuri pun berencana untuk mengembangkan sistem bjb The Treasury Division also plans to develop a new generation of bjb
TIP FX generasi baru untuk optimalisasi transaksi valuta asing pada TIP FX in order to optimize foreign exchange transactions at the
kantor cabang. Selain itu, juga memperluas base customer nasabah branch offices. In addition, also expanding customer base through
melalui kunjungan sales terhadap potensi nasabah baru. the visits to potential new customers.
Selain transaksi valas, Divisi Tresuri memiliki program kerja untuk In addition to foreign exchange transactions, the Treasury Division
melakukan pembelian surat berharga valuta asing. Hal itu dilakukan established a work program to purchase securities with foreign
dalam rangka diversifikasi investasi penempatan ekses likuiditas, exchange. This was conducted in order to diversify the investment
dengan tetap memperhatikan risiko yang ada. placements of excess liquidity, while paying attention to the risks
involved.
107
KPR & Mortgage Mortgage & Housing Financing
KPR &
Mortgage
Mortgage & Housing Financing
108
Rp 3,90T bjb KPR
Bersama kami
rumah idaman
sampai ke tangan anda
Kredit bjb
KPR & Mortgage un
1 tah
bjb Mortgage & Housing Loan Fixed
+ 290%
Introduction
Pertumbuhan
Growth
Wujudkan Rumah Idaman dengan bjb KPR bunga rendah
Jangka Waktu Pinjaman s/d 15 tahun*
Cicilan yang Fleksibel *
Persyaratan mudah dan proses cepat*
Performance
* syarat dan ketentuan berlaku
Good Corporate
Governance
Pada awal tahun 2013, penyaluran kredit KPR & Mortgage berhasil At the beginning of 2013, KPR and mortgage have been successfully
dilakukan dengan sangat baik. Hal ini tercermin dari rata-rata done. This can be seen from average loan portfolio which reached
penyaluran kredit yang mencapai Rp213 miliar per bulan. Namun, Rp213 billion per month. However, towards the end of 2013, the
memasuki akhir tahun 2013, penyalurannya sedikit melambat loan channeling slightly slowed with an average disbursement of
dengan rata-rata penyaluran Rp121 miliar per bulan. Rp121 billion per month.
Corporate Social
Responsibility
Perlambatan tersebut disebabkan adanya penyesuaian ketentuan The slowdown is due to the adjustment of the terms of bjb KPR and
produk bjb KPR & Mortgage terhadap Surat Edaran BI 15/40/ mortgage respect to BI Circular Letter dated September 24, 2013
DKMP tanggal 24 September 2013 terkait manajemen risiko 15/40/DKMP concerning risk management in property-backed loans.
dalam pemberian kredit beragun properti. Dalam aturan tersebut, In this regulation, Bank Indonesia implemented progressive LTV in
Bank Indonesia menerapkan LTV progresif sesuai urutan fasilitas the order of property-backed credit facility when filing subsequent
kredit beragun properti saat mengajukan kredit beragun properti property-backed loans.
Consolidated
selanjutnya.
Adapun proses penanganan kredit bermasalah untuk produk KPR The progress of the handling problem loans for mortgages and KPR
& Mortgage makin baik. Hal ini terlihat pada data persentase kredit improves. This is seen from the percentage of nonperforming loans
bermasalah (NPL) KPR & Mortgage per 31 Desember 2013 sebesar (NPLs) KPR & Mortgage by December 31, 2013 which is amounted to
2,94%, sehingga masih dalam koridor mudah dikelola. 2.94% or it is still manageable within the corridor.
Corporate Data
Dari sisi kerja sama dengan pengembang, saat ini Divisi KPR & In terms of cooperation with the developers, the current KPR and
Mortgage telah bekerja sama dengan 160 Pengembang properti di Mortgage Division have teamed up with 160 property developers in
seluruh Indonesia. Untuk kebutuhan tersebut plafon kerja samanya Indonesia. This cooperation set the ceiling of Rp2.6 trillion.
sebesar Rp2,6 triliun.
109
KPR & Mortgage Mortgage & Housing Financing
Portfolio KPR & Mortgage Januari-Desember 2013

Mortgage & Housing Financing Portfolio January-December 2013
4.500.000
3.902.295
4.000.000 3.758.809
3.539.307 3.656.116
3.500.000 3.292.379
3.170.055
2.943.090
0/s (Rp juta/million)
3.000.000 2.718.783
2.487.608
2.500.000 2.299.958
2.041.392
1.832.056
2.000.000
1.500.000
1.000.000
500.000
-
Jan-13 Feb-13 Mar-13 Apr-13 May-13 Jun-13 Jul-13 Aug-13 Sep-13 Oct-13 Nov-13 Dec-13
KPR & Mortgage 2013

KPR & Mortgage 2013
11% 2%
bjb KPR
21%
bjb Mortgage Pembelian
8% bjb Mortgage Multiguna
58% bjb Mortgage Membangun
58% bjb Mortgage Take Over
Produk Unggulan Leading Products

Pada tahun 2013, perkembangan bisnis KPR & Mortgage didukung In the year 2013, the development of KPR & Mortgage business
oleh 3 (tiga) produk unggulan yang pertumbuhannya sangat baik. has been supported by 3 (three) leading products which have been
Adapun tiga produk tersebut, di antaranya: growing satisfactorily. Those products are:
1. Produk bjb Mortgage tujuan take over 1. Take over bjb Mortgage Product
Pertumbuhan debitur untuk produk bjb Mortgage tujuan Take The growth of Take Over bjb product debtors increased by 332%
Over meningkat sebesar 332% (YoY) dengan tingkat suku bunga (YoY) with the interest rate set at 9% and 1 year fixed tenor. This
sebesar 9% fixed 1 tahun. Ini membuktikan bahwa produk bjb proves that the Take Over bjb Mortgage product can compete
Mortgage tujuan take over dapat bersaing dengan bank-bank with other national banks.
nasional lainnya.
2. Produk bjb Mortgage tujuan pembelian non-rumah tinggal 2. Non-Primary Residence Purchase bjb Mortgage Product
primary
Pertumbuhan debitur untuk produk ini meningkat 280% The growth of debtors for this product increased by 280%
(YoY). Faktor yang memengaruhi pertumbuhan fantastis (YoY) following the Cooperation Agreement (MCC) with 73
tersebut karena adanya Perjanjian Kerja Sama (PKS) dengan leading developers in the overall Indonesia regions. The product
73 perusahaan pengembang (developer) terkemuka di seluruh Mortgage rate set at 10.75% and 1 year fixed term. On this
wilayah Indonesia. Tingkat suku bunga bjb Mortgage tujuan account, the product has all the capability in competing with
pembelian non-rumah tinggal primary sebesar 10,75% fixed 1
110
tahun. Dengan begitu, dapat dikatakan produk bjb Mortgage other national banks products and futhermore put interest to the
tujuan tersebut mampu bersaing dengan bank-bank nasional market especially for those in the entrepreneurs segment.
lainnya dan sangat menarik minat masyarakat khususnya yang
berprofesi sebagai wirausaha.
3. Produk bjb Mortgage tujuan pembelian non-rumah tinggal 3. Non-Secondary Residence Purchase bjb Mortgage Product
secondary bjb
Masyarakat pada umumnya masih tertarik dengan pembelian In general, public is still attracted by this product, especially
non-rumah tinggal secondary, khususnya bagi yang memiliki for the entrepreneurs segment. The number of debtors to this
usaha. Pertumbuhan debitur untuk produk ini meningkat sebesar product grows by 278% (YoY).
Introduction
278% (YoY).

Keberhasilan yang dicapai bisnis KPR & Mortgage bank bjb di tahun The business success of bank bjb KPR & Mortgage throughout 2013
2013 antara lain didukung oleh beberapa faktor sebagai berikut : was supported by several factors, they are:
1. Divisi KPR & Mortgage telah memiliki SOP KPR & Mortgage 1. The KPR & Mortgage SOP held by KPR & Mortgage Dvision acts
Performance
sebagai petunjuk yang jelas dalam menyalurkan produk-produk as guiding principles in delivering KPR & Mortgage products.
KPR & Mortgage. 2. The ability of bjb KPR & Mortgage product to compete with
2. Produk bjb KPR & Mortgage dapat bersaing dengan produk similar products offered by other national banks.
sejenis dari Bank besar nasional lainnya. 3. The existance of Business Process of bjb KPR & Mortgage
3. Adanya Proses Bisnis bjb KPR & Mortgage yang mendukung supports service delivery to the potential debtor through the
pelayanan kepada Calon Debitur yaitu dengan tetap terjaganya well-maintained Service Level Agreement (SLA).
Good Corporate
Governance
Service Level Agreement (SLA) dengan baik. 4. Good cooperation with property developers in the opening
4. Melakukan kerja sama dengan pengembang-pengembang of potential KPR market in order to support KPR & Mortgage
Properti untuk membuka peluang pasar KPR yang potensial demi channeling.
mendukung kegiatan penyaluran KPR & Mortgage. 5. The excellence marketing programs both conducted internally
5. Memiliki program-program marketing baik yang dilaksanakan and externally in cooperation with other institution/bank bjb’s
sendiri maupun pelaksanaan program-program marketing yang associate companies enable the company to improve market
Corporate Social
bersifat kerjasama dengan instansi/perusahaan rekanan bank share
Responsibility
bjb untuk meningkatkan market share.
Di tengah usaha meningkatkan kinerja positif di segmen bisnis KPR Amidst the positive performance of KPR & Mortgage segment, bank
& Mortgage, pada tahun 2013 bank bjb juga menemui beberapa bjb also encountered constraints throughout 2013 they are:
kendala yang menjadi faktor penghambat, di antaranya: 1. The organizational restructuring has been impacted the business
1. Perubahan struktur organisasi yang mempengaruhi bisnis proses process of KPR & Mortgage.
Consolidated
KPR & Mortgage. 2. The HR competency deficiency has caused less optimal KPR &
2. Kurangnya kompetensi SDM yang dibutuhkan, sehingga Mortgage business process.
menyebabkan pelaksanaan bisnis proses KPR & Mortgage
menjadi kurang maksimal.
Rencana Strategi Pemasaran Marketing Strategic Planning

Corporate Data
Peningkatan bisnis KPR & Mortgage pada tahun 2014 akan In 2014, the development of KPR & Mortgage will be supported by
didukung oleh beberapa rencana kerja dan strategi pemasaran yang a number of the following workplans and designated marketing
telah ditetapkan. Di antaranya: strategic planning :
1. Meningkatkan efektivitas pemanfaatan plafond kerja sama yang 1. Improving the effectiveness of the ceiling application set within
telah terjalin dengan Pengembang rekanan. the long-bound partnership with developers.
2. Menambah kerjasama dengan pengembang-pengembang 2. Enhancing partnership with Property Developers with the
Properti untuk membuka peluang-peluang bisnis baru yang objective to open new opportunities in potential business.
potensial. 3. Improving service quality (business process) of KPR & Mortgage
3. Meningkatkan kualitas pelayanan (bisnis proses) KPR & Mortgage through the process of speeding up KPR & Mortgage
dalam percepatan alur proses pengajuan KPR & Mortgage. application.
4. Melaksanakan kegiatan pemasaran seperti open table, suku 4. Conducting marketing activities such as pen table, promotional
bunga promo, pemasangan iklan di media massa, pembuatan interest rate, advertising, developing specific gimmicks, and
111
gimmick-gimmick tertentu, dan melaksanakan Joint Promo conducting Joint Promotion with other institution/bjb partners.
dengan instansi/ perusahaan rekanan bank bjb. 5. Conducting government housing program and channeling the
5. Menjalankan program perumahan pemerintah dan penyaluran loan for JAMSOSTEK advances.
kredit Uang Muka JAMSOSTEK. 6. Collaborating with potential Property Brokerage to improve
6. Melakukan kerjasama dengan Broker Properti potensial, KPR & Mortgage product channeling and to open up business
untuk meningkatkan penyaluran produk KPR & Mortgage dan opportunities.
membuka peluang bisnis yang lebih luas. 7. Improving HR compentence in the area of KPR & Mortgage
7. Meningkatkan kompetensi SDM dalam bidang bisnis KPR & business.
Mortgage.
Daftar Pengembang yang Bekerjasama The Cooperating Developer List

Proyek Perusahaan/Pengembang Lokasi
No
Project Company/Developer Location
1 Cluster Graha Mars Cluster Graha Mars Bandung
2 The Jarrdin @Cihampelas PT Kagum Karya Husada Bandung
3 Gateway Apartment PT Mitra Sukses Kelola Property Bandung
4 Buana Soetta PT Cikal Buana Persada Bandung
5 Bumi Adipura PT Multidaya Kharisma Bandung
6 Sanggar Hurip PT Sanggar Hurip Bandung
7 The Mansion PT Margahayu Raya Bandung
8 Orange District PT Margahayu Raya Bandung
9 De Marrakesh PT Metro Permata Raya Bandung
10 Pesona Cibeureum Permai PT Buana Cipta Harapan Pesona Sukabumi
11 Royal Kabandungan Residence PT Jaya Abadi Regency Sukabumi
12 Vila Pesona Pangrango PT Metro Montana Contractor Sukabumi
13 Vila Taman Anggrek PT Puri Sukaraja Permai Sukabumi
14 Sayana Terrace PT Graha Royal Realty Bandung
15 Saturnus Regency PT Graha Adicipta Nugraha Bandung
16 Green Garden View PT Graha Adicipta Nugraha Bandung
17 The Garden City View PT Graha Adicipta Nugraha Bandung
18 Padasuka Estate PT Graha Adicipta Nugraha Bandung
19 Green Valley Residence PT Graha Adicipta Nugraha Bandung
20 Grand Ujung Berung PT Graha Adicipta Nugraha Bandung
21 Grand Valley Ujung Berung PT Graha Adicipta Nugraha Bandung
22 City Garden Residence PT Graha Adicipta Nugraha Bandung
23 The Green Sariwangi PT Graha Adicipta Nugraha Bandung
24 Sariwangi City View PT Graha Adicipta Nugraha Bandung
25 Sariwangi Regency PT Graha Adicipta Nugraha Bandung
26 Sariwangi Estate PT Graha Adicipta Nugraha Bandung
27 Sariwangi Village PT Graha Adicipta Nugraha Bandung
28 d'Casa Grande PT Graha Adicipta Nugraha Bandung
29 Grand Kolmas Village PT Graha Adicipta Nugraha Bandung
30 Kamarasan PT Putera Papan Seruni Bandung
31 Metro Indah Mall PT Metroperdana Trade Centre Bandung
32 Cipaganti Hills PT Cipaganti Inti Development Bandung
112
No
33 Grand Pinus regency PT Anggrek Indah Surya Lestari Bandung
34 De Paros residence PT Putera Papan Hutama Bandung
35 kawistara PT Putera Papan Hutama Bandung
36 Serray Valley De Lima Ciwaruga PT Nusantara Graha Indonesia Bandung
37 Buana Ciwastra PT Kibar Buana Persada Bandung
Introduction
38 The Hybrid Park Newton PT Gracia Griya Kencana Bandung
39 Gateway Pasteur Apartment PT Prasetya Agung Cipta Abadi Bandung
40 Graha Padasuka PT Istana Wangi Cendana Bandung
41 Cemara Regency Cemara Regency Bandung
42 Matahari Ciganitri (cherry field) PT Mentari Agung Mandiri Bandung
Performance
43 Matahari Asri PT Mentari Agung Mandiri Bandung
44 Stella PT Mentari Agung Mandiri Bandung
45 Aqita PT Mentari Agung Mandiri Bandung
46 Matahari Square PT Mentari Agung Mandiri Bandung
47 Rancaekek Trade Center PT Rancek Sukses Bandung
Good Corporate
48 Taman Kopo Ketapang PT Papan Jaya Anugrah Bandung
Governance
49 Pesona Alam Residence PT Erlangga Karya Abadi Bandung
50 SSP Sariwangi SSP Sariwangi Bandung
51 D' Pillar Rancaekek & D' Pilar Residence PT Tujuh Pilar Sarana Bandung
52 Batujajar Regency Lukman Lingga Bandung
Corporate Social
53 Villa Pasirwangi PT Unitender Pacific Indonesia Bandung
Responsibility
54 Bentang Padalarang PT Uzy Karya Prestasi Bandung
55 Graha Kencana Subang PT Cikal Buana Persada Subang
56 Buana Taman Sari PT Cikal Buana Persada Karawang
57 De Griya PT Grabindo Indah Raya Karawang
58 Awani Residence PT Awani Bandung Realty Cimahi
Consolidated
59 Bumi Asri Cihanjuang PT Priwista Raya Bandung
60 Pesona Campaka Moh Hilmi Purwakarta
61 Grand Taruma PT Pesona Gerbang Karawang Karawang
62 Billabong Soeta PT Titian Sakti Bandung
63 Galuh Mas PT Galuh Citarum Karawang

Corporate Data
64 The Nanjung Regency PT Adabaruland Anugerah Pratama Bandung
65 Puri indah lestari PT Dimensi Puri Lestari Cimahi
66 Pesona Bali residence PT Pesona Jati Abadi Kab bandung
67 Bumi Teluk Jambe PT Perum Perumnas Reg IV Karawang
68 De Green PT Griya Omega estetika Kab bandung
69 Pesona Ciganitri PT Duta Emas Anugerah Abadi Kab bandung
70 Cluster Selaras Cimareme PT Gracia Estetika Padalarang
71 Grand Tuparev Residence PT Rajawali Surya Cemerlang Karawang
72 Graha Asri Subang PT Santoso Putra Satya Subang
113
No
73 Mutiara Asri PT Asagemilang Fajar Unggul Ciparay
74 Bumi Cempaka Asri PT Darma Karyaputra Mandiri Padalarang
75 Pesona Purwakarta PT Titian Persada Purwakarta
76 De Panji Cluster PT Rahendra Makmur Putra Subang
77 Griya Putra Mandiri PT Miftah Putra Mandiri Depok
78 Pesona Putra Mandiri PT Miftah Putra Mandiri Depok
79 Putra Mandiri Regency PT Miftah Putra Mandiri Depok
80 Putra Mandiri Residence PT Miftah Putra Mandiri Depok
81 Grand Putra Mandiri PT Miftah Putra Mandiri Depok
82 Green Putra Mandiri PT Miftah Putra Mandiri Depok
83 Taman Putra Mandiri PT Miftah Putra Mandiri Depok
84 River Valley PT Anugrah Karya Bangun Sejahtera Bogor
85 Bogor Nirwana Residence PT Graha Andrasentra Propertindo Bogor
86 Green Pitara PT Amgold Sapta Lestari Depok
87 citra indah PT Ciputra Indah bogor
88 Samudera Residence PT Cipta Ekatama Nusantara Bogor
89 Alam depok Residence PT Bintang Shafira Depok
90 Paragon Square PT Broadbiz Asia Tangerang
91 Paragon Village PT Broadbiz Asia Tangerang
92 Bogor View PT Aldi Putra Utama Bogor
93 Pelangi Matoa PT Anugrah Bhakti Bumi Depok
94 Aeropolis Residence PT Perkasalestari Permai Tangerang
95 Harvest City PT Dwigunatama Rintisprima Bekasi
96 Harvest City PT Dwikaryalanggeng Sukses Bogor
97 Senopati Penthouse PT Senopati Aryani Prima Jakarta
98 D' Poris Paradise Ekslusif PT Poris indah graha Tanggerang
99 Puri Sentosa PT Chandratama Griya Land Bekasi
100 Grand Nusa Indah PT Kentanix Supra International Bogor
101 Vila Bogor Indahn 5 PT Semangat Panca Bersaudara Bogor
102 Green Apple PT Raga Gading Sakti Cianjur
103 Pancanaka Bali Erfina PT Cahaya Raga Bali
104 Kota Jababeka PT Graha Buana Cikarang Cikarang
105 Cyber Park Residence PT Cyberindo Persada Nusantara Bogor
106 Pusat Grosir Modern Karebosi PT Tosan Permai Lestari Makassar
107 Balikpapan Superblok PT Wulandari Bangun Laksana Balikpapan
108 Batakan Heights, Perum Griya Telaga Mas PT Griya Telaga Mas Balikpapan
109 Cahaya Bumi Mandiri PT Latjinta Putra Perumahan Makasar
110 Grand Banua PT Banua Anugerah Sejahtera Banjarmasin
111 Taman Sumber Indah PT Berlian Haiva Property Sumber
112 DampoeAwang Puri Regency PT Dampoe Awang Indramayu
114
No
113 Graha Sudirman PT Cipta Loka Nusa Prima Indramayu
114 Royal Banjar Mansion PT Sarana Papan Utama Banjar
115 Kedawung Regency 3 PT Jayaland Sejahtera Cirebon
116 Shapphire Residence Kedawung PT Mitra Shapphire Sejahtera Cirebon
117 Plumbon Square PT CPP development Sumber
Introduction
118 Tirtayasa Regency PT Tulus Asih Sumber
119 Griya Jati Kalijaga PT Wiganu Garda Jaya Cirebon
120 Grand Laswi residence PT Cipata Papan Utama Sejahtera Tasik
121 Sindang Jawa Residence PT Kembar Sakti Nusantara Cirebon
122 Garut Hyper Square PT Hastuka Karya Garut
Performance
123 Apartemen Solo Paragon PT Sunindo Gapura Prima Surakarta
124 Tirtamaya Residence PT Gading Graha Tama Surakarta
125 Graha Estetika PT Dasa Wilis Raya Semarang
126 Graha Harmoni CV Dasa Wilis Prima Semarang
127 Tirtasani Residence PT Surya Graha Bhuwana Surakarta
Good Corporate
128 Jasmine Park PT Kini Jaya Indah Semarang
Governance
129 Villa Pinus Watugong PT Kini Jaya Indah Semarang
130 Gardenia PT Kini Jaya Indah Semarang
131 Permata Batu Sari PT Kini Jaya Indah Semarang
132 klipang green PT Perum Perumnas Reg V Semarang
Corporate Social
133 Bumi palir sejahtera PT Perum Perumnas Reg V Semarang
Responsibility
134 CitraSun Semarang JO Ciputra Sunindo Property Semarang
135 Citra Grand Semarang JO Ciputra Karya Utama Semarang
136 CitraSun Yogya JO Ciputra Sunindo Graha Utama Yogya
137 CitraGrand Mutiara Yogya JO Ciputra Graha Terasama Yogya
138 Grand Sentosa PT Artha Sentosa Solo
Consolidated
139 Puri Artha Sentosa PT Artha Sentosa Solo
140 Gresik Kota Baru PT Bumi Lingga Pertiwi Gresik
141 Pondok Permata Suci PT Bumi Lingga Pertiwi Gresik
142 Sekarpuro Residence PT Pasty Jaya Malang
143 Menteng Regency PT Menteng Mandiri Sejahtera Gresik

Corporate Data
144 Istana Mentari PT Bumi Mentari Megah Sidoarjo
145 The Spring Tomorrow PT Cipta Adi Perkasa Sidoarjo
146 Grand Paka Residence dan Royal Paka Residence PT Paka Land Surabaya
147 The Mansion Apartemen PT Pakuwon Permai Surabaya
148 Waterplace PT Pakuwon Darma Surabaya
149 East Coast PT Pakuwon Darma Surabaya
150 Pakuwon Indah PT Pakuwon Darma Surabaya
151 Pakuwon City PT Pakuwon Darma Surabaya
152 Pakuwon City PT Pakuwon Jati Surabaya
115
No
153 Edu city PT Pakuwon Jati Surabaya
154 The Peak Apartemen PT Pakuwon Jati Surabaya
155 Edu City PT Artisan Surya Kreasi Surabaya
156 Rayan Regency PT Kamilindo Sejahtera Surabaya
157 Dreaming Land PT Kendali Putra Surabaya
158 The Oasis Village Residence PT Diwangkara Bangun Persada Sidoarjo
159 bumi papan selaras PT Bangun Papan Selaras Sidoarjo
160 wisma juanda permai PT Intan Berlian Sidoarjo
161 Green Semanggi Mangroove PT Graha agung perkasa Surabaya
162 Window of the world (WOW) PT Aneka Cipta Mulia Indah Malang
163 The Gayungsari PT Kamilindo Sejahtera Surabaya
164 Yasmin Garden Residence PT Kamilindo Sejahtera Banjarmasin
165 Andalusia Kartini Square PT Manzilah Visi Mulia Gresik
166 Graha Ngoro Asri PT Anugerah Sejati Wahana Karya Mojokerto
167 Apartment Voila PT Win Win Realty Centre Surabaya
168 SOHO Skyloft PT Win Win Realty Centre Surabaya
169 Palm Residence Group PT Multi Bangun Sarana Surabaya
170 Ubud Village PT Perintis Triniti Property Tangerang
171 Krakatau Residence PT Arina Bayuswakarsa Serang
172 Pesona Cileunyi PT Arina Bayuswakarsa Serang
173 Tangerang Golden City PT Mitra Gemilang Mahakarya Tangerang
174 Green Serua PT Hanusentra Propertindo Tangerang
175 Serpong Riverside Residence PT Hanusentra Propertindo Tangerang
176 Pesona Cilegon PT Gunung Intan Abadi Terus Serang
177 Grand Pesona PT Gunung Intan Abadi Terus Serang
178 Taman Graha Asri PT Graha Serang Asri Serang
179 Serpong Garden PT Harapan Inti Persada Indah Serpong
180 Persada Banten PT Harapan Inti Persada Indah Serpong
181 Tropicana Residence PT Giga Konstruksi Tangerang
182 Milenium Industrial Estate PT Bumi Citra Permai Balaraja
183 The Andalusia PT Arya CIPTA Sarana serang
184 Taman Puri Indah PT Mitrarahayu Karyanugraha Cilegon
185 Cigading business centre PT Jaya Mandiri Putra Perdana Cilegon
186 Citra Kencana PT Citra cahaya kencana Ciputat
187 Villa Gunung Mas PT Tricipta Asri Bogor
188 Tangcity PT PancaKarya Griyatama Tangerang
189 Bakung Village PT Citra Graha Cemerlang Palembang
190 Camellia View PT Citra Graha Cemerlang Palembang
191 Grand Vanda PT Citra Graha Cemerlang Palembang
192 Griya Teratai PT Citra Graha Cemerlang Palembang
116
No
193 Palembang Dian Regency 2 PT Evergreen Global Lestari Palembang
194 Bukit Indah Sukajadi PT Adhya Bumi Batam Batam
195 Batu Aji Residence PT Surya Batu Aji Batam
196 Putra Kelana PT Megah Persada Semesta Batam
197 Villa Panbil PT Nusatama Properta Panbil Batam
Introduction
198 Taman Golf Residence PT Adhya Mitra Bangun Sarana Batam
199 Pertokoan De Orange PT Kubiku Kreasi Indonesia Batam
200 Odessa Grande 2 PT Total Graha Insani Batam
201 Citranusa Niaga PT Trias Jaya Propertindo Batam
202 Puri Asri Residence PT Trias Jaya Propertindo Batam
Performance
203 Grand Niaga Mas PT Trias Jaya Propertindo Batam
204 White House Garden PT Zona Property Indonesia Medan
205 Setiabudi Abadi Palace PT Zona Property Indonesia Medan
206 Graha Indah Kelapa Gading PT Sukses Berkah Amanah Medan
207 Jannanti residence PT Sukses Berkah Amanah Medan
Good Corporate
208 Imam Bonjol Residence PT Lampung Utama Construcsindo Lampung
Governance
209 Graha Mutiara Residence PT Sulthan Brothers Lampung
210 Bahtera Indah Sejahtera PT BinaKaryaUtama Indah Perkasa Lampung
211 Citra Bagya Medan JO Ciputra Karya Pancasakti Nugraha Medan
212 Al-Bahrain City PT Araban Makmur Semesta Medan

Corporate Social
Responsibility
Consolidated
Corporate Data
117
Bisnis Syariah Sharia Business
Bisnis
Syariah
Sharia Business
118
Rp 4,7T
Aset bank bjb Syariah
bank bjb Sharia Asset
Rp 18M
Introduction
Laba Bersih
bank bjb Syariah
bank bjb Sharia Net Income
Performance
Good Corporate
Governance
Pendirian Establishment
PT Bank Jabar Banten Syariah adalah suatu Perseroan Terbatas PT Bank Jabar Banten Syariah is a Limited Liability Company which
yang didirikan dan menjalankan kegiatan usahanya menurut dan was established and perform its business activities in accordance with
berdasarkan peraturan perudang-undangan yang berlaku di Republik and based on the rules and regulations applicable in the Republic of
Indonesia, berkedudukan di Kota Bandung. Indonesia, domiciled in the City of Bandung.
Corporate Social
Responsibility
Pendirian bank bjb Syariah diawali dengan pembentukan Divisi/ The establishment of bank bjb Syariah was initiated with the
Unit Usaha Syariah oleh PT Bank Pembangunan Daerah Jawa Barat establishment of the Sharia Division/ Business Unit by PT Bank
dan Banten Tbk. pada 20 Mei 2000. Hal tersebut bertujuan untuk Pembangunan Daerah Jawa Barat dan Banten Tbk. on May 20,
memenuhi kebutuhan masyarakat Jawa Barat yang mulai tumbuh 2000. It has the objectives to meet the needs of the people of West
keinginan menggunakan jasa perbankan syariah pada saat itu. Java who started growing the desire for the use of Islamic banking
services at that time.
Consolidated
Dalam perjalanannya, manajemen Perseroan berpandangan, untuk In its journey, the management of the Company believes that to
mempercepat pertumbuhan usaha syariah serta mendukung program accelerate the growth of Islamic business and support the programs
Bank Indonesia yang menghendaki peningkatan share perbankan of Bank Indonesia that pursues an increase in the share of Islamic
syariah, maka dengan persetujuan Rapat Umum Pemegang Saham banking, with the approval of the General Meeting of Shareholders
PT Bank Pembangunan Daerah Jawa Barat dan Banten Tbk diputuskan of PT Bank Pembangunan Daerah Jawa Barat and Banten Tbk decided
Corporate Data
untuk menjadikan Divisi/Unit Usaha Syariah menjadi Bank Umum to make the Sharia Division/ Unit into Sharia Bank.
Syariah.
Sebagai tindak lanjut, maka pada 15 Januari 2010 didirikanlah As a follow up, bjb Syariah it was established on January 15, 2010
bjb Syariah berdasarkan Akta Pendirian Perseroan Terbatas No. 4 based on the Limited Liablity Company Deed No. 4 Fathiah made by
yang dibuat oleh Fathiah Helmi, S.H., Notaris di Jakarta. Akta telah Fathiah Helmi, SH, Notary in Jakarta. The deed has been approved by
memperoleh pengesahan dari Menkumham berdasarkan Surat the Decree of the Menkumham No. AHU-04317.AH.01.01 of 2010
Keputusan No. AHU-04317.AH.01.01 Tahun 2010 tanggal 26 dated January 26, 2010 and has been registered in the Company
Januari 2010 dan telah didaftarkan dalam Daftar Perseroan sesuai List in accordance with UUPT No. AHU-0006426. AH.01.09 of 2010
dengan UUPT No. AHU-0006426. AH.01.09 Tahun 2010 tanggal 26 dated January 26, 2010.
Januari 2010.
119
Kegiatan Usaha Business Activity

Sesuai Pasal 3 Anggaran Dasar Bank Jabar Banten Syariah, maksud In accordance with Article 3 of the Articles of Association of Bank
dan tujuan adalah menyelenggarakan usaha perbankan berdasarkan Jabar Banten Syariah, the purpose and objective is to conduct
prinsip syariah. banking business based on the sharia principles.
KOMITE AUDIT Rapat Umum

Audit Committee Pemegang Saham
General Meeting Shareholders
KOMITE Pemantau Risiko DEWAN KOMISARIS DEWAN PENGAWAS SYARIAH

Risk Monitoring Committee Board of Commissioners Sharia Supervisory Board
KOMITE remunerasi &

nominasi
Remuneration & Nomination
Committee
DIREKTUR UTAMA
President Director
dIREKTUR KEPATUHAN dIREKTUR KOMERSIAL dIREKTUR RITEL dIREKTUR OPERASI

Director of Compliance Director of Commercial Director of Retail Director of Operation
DIVISI MANAJEMEN Risiko DIVISI Komersial DIVISI ritel & konsumer

Dvisi audit internal DIVISI Operasi
Risk Management Division Commercial Division Retail & Consumer Division
Internal Audit Division Operation Division
Divisi perencanaan
strategis • Reviewer DIVISI teknologi informasi
Strategic Plan Division • jaringan & pelayanan Technology Information Division
• Treasury Service & Network
• Sekretaris perusahaan
• Kepatuhan Corporate Secretary
Compliance
• pengadaan &
kantor cabang
logistik
Branch Offices
Logistic & Procurement
Dewan Komisaris Nama/Name Board of Commissioner
Komisaris Utama (Independen) Erick President Commissioner (Independent)
Komisaris Santoso Djojo Koesoemo Commissioner
Komisaris Cahya Commissioner
Komisaris Didit Supriyadi Commissioner
Komisaris Abdullah Sayidi Commissioner
Direksi Board of Directors
Direktur Utama Achmad Riawan Amin President Director
Direktur Ritel Hamara Adam Retail Director
Direktur Komersial Mochammad Mujib Mas’Ud Commercial Director
Direktur Operasi Didi Muwardi Operational Director
Direktur Kepatuhan Ali Nuridin Compliance Director
Direktur Ritel Hamara Adam Retail Director
120
Dewan Pengawas Syariah Sharia Supervisory Board
Ketua Prof. Dr. Jaih Mubarok, SE, MH, M.Ag Chairman
Anggota Drs. HE Sunidja, MM., M.Ag Member
Anggota Rikzan Maulan, Lc., M.Ag Member
Kinerja Performance
Hingga Desember 2013, aset Bank Jabar Banten Syariah meningkat As of December 2013, the assets of Bank Jabar Banten Syariah
Introduction
10,76% dibandingkan periode yang sama tahun sebelumnya. Dari increased by 10.76% compared to the same period in the previous
Rp4,239 triliun menjadi sebesar Rp4,695 triliun. year. From Rp4.239 trillion to Rp4.695 trillion.
Perkembangan penghimpunan Dana Pihak Ketiga (DPK) adalah The development of Third Party Funds (DPK) is as follows:
sebagai berikut: • Deposits derived from the products of Giro, Savings and Deposits
• DPK yang berasal dari produk Giro, Tabungan dan Deposito increased by 10.14% or Rp341 billion from Rp3,362 billion in
meningkat sebesar 10,14% atau Rp341 miliar yaitu dari December 2012 to Rp3,703 billion on 31 December 2013. The
Performance
Rp3.362 miliar pada Desember 2012 menjadi Rp3.703 miliar increase was driven by an increase in deposits in the amount of
pada 31 Desember 2013. Peningkatan tersebut ditopang Rp199 billion, or 7.25%, from Rp2,745 billion to Rp2,944 billion
oleh kenaikan Deposito sebesar Rp199 miliar atau 7,25% dari in December 2013.
Rp2.745 miliar menjadi Rp2.944 miliar di Desember 2013. • Savings products increased by Rp66 billion or 20.89% from
• Produk Tabungan meningkat Rp66 miliar atau 20,89% dari Rp316 billion in December 2012 to Rp382 billion in December
Rp316 miliar di Desember 2012 menjadi Rp382 miliar pada 2013 and Giro products increased by Rp75 billion or 24.92%
Good Corporate
Desember 2013 dan produk Giro meningkat sebesar Rp75 miliar from Rp301 billion in December 2012 to Rp376 billion in
Governance
atau 24,92% dari sebesar Rp 301 miliar di Desember 2012 December 2013.
menjadi Rp 376 miliar di Desember 2013. • The Third Party Funds composition of Bank Jabar Banten Syariah
• Komposisi Dana Pihak Ketiga bank Jabar Banten Syariah dari from December 2012 to December 2013 is still dominated by
Desember 2012 hingga Desember 2013 masih didominasi oleh Deposits savings respectively amounting to 81.65% and 79.50%
simpanan Deposito masing-masing sebesar 81,65% dan 79,50% of the total Third Party Funds and the majority are corporate
dari total Dana Pihak Ketiga dan mayoritas merupakan deposan depositors.
Corporate Social
Responsibility
korporasi.
Meningkatnya volume usaha disebabkan oleh pertumbuhan The increase in the business volume is due to the financing growth
pembiayaan Bank Jabar Banten Syariah. Kinerja pembiayaan bank of Bank Jabar Banten Syariah. The financing performance of bank
bjb Syariah terus mengalami peningkatan dan pada tahun 2013 bjb Syariah continues to experience an increase and by 2013 the
volume pembiayaan bjb Syariah telah mencapai Rp3,525 miliar financing volume of bjb Syariah has reached Rp3.525 billion, an
Consolidated
atau meningkat sebesar 25,00% dibandingkan dengan tahun increase of 25.00% compared to the previous year.
sebelumnya.
Perkembangan Ekuitas (Modal) Development of Equity (Capital)

Ekuitas terdiri dari modal disetor dan saldo laba pada 31 Desember Equity consists of paid-in capital and retained earnings on 31
2013 sebesar Rp628 miliar atau meningkat 4,84% dibandingkan December 2013 amounting to Rp628 billion or an increase of 4.84%
posisi pada Desember 2012. Peningkatan ini disebabkan oleh laba compared to the position in December 2012. This increase was due
Corporate Data
bersih yang dibukukan bjb Syariah pada akhir tahun 2013 yang to net income recorded by bjb Syariah at the end of 2013 which
mencapai Rp19 miliar. reached Rp19 billion.
Pendapatan, Beban, Dan Laba Revenue, Expenses, and Profit

Selama periode tahun buku 2013, pertumbuhan pendapatan, beban During the 2013 fiscal year period, the growth of revenues, expenses
dan laba bank bjb Syariah adalah sebagai berikut: and profits of bank bjb Syariah are as follows:
• Pendapatan operasional bjb Syariah sebesar Rp528 miliar, di • Operating income of bjb Syariah amounted to Rp528 billion, in
mana jumlah tersebut berasal dari pendapatan penyaluran which the amount of income derived from fund disbursements
dana Rp511 miliar dan sisanya Rp17 miliar berasal dari in the amount of Rp511 billion and Rp17 billion derived from
pendapatan operasional lainnya. other operating income.
121
• Beban operasional bjb Syariah Rp248 miliar terdiri dari beban • Operating expenses of bjb Syariah amounted to Rp248 billion
tenaga kerja Rp109 miliar, beban administrasi dan umum consists of the labor expense of Rp109 billion, general and
Rp40 miliar, beban penyisihan kerugian aset produktif administrative expenses of Rp40 billion, the expense for the net
bersih Rp39 miliar dan sisanya berupa beban lainnya sebesar productive assets losses of Rp39 billion and the rest of other
Rp60 miliar. costs which amounted to Rp60 billion.
• Laba bersih bjb Syariah pada Desember 2013 sebesar • Net income of bjb Syariah in December 2013 amounted to
Rp19 miliar. Rp19 billion.
Rasio-Rasio Keuangan Financial Ratios

• Rasio permodalan (CAR) bank bjb Syariah pada Desember 2013 • Capital Adequacy Ratio (CAR) of bank bjb Syariah in December
sebesar 17,99%, mengalami penurunan dibandingkan periode 2013 amounted to 17.99%, a decrease compared to the same
yang sama tahun sebelumnya, yang berada di posisi 21,09%. period the previous year, which was in a position of 21.09%.
• Rasio rentabilitas: • Earning ratio:
- Imbal hasil Aset (Return On Asset – ROA) sebesar 0,91% - Return On Asset – ROA of 0.91% on December 2013,
pada Desember 2013, dibandingkan -0,59% pada Desember compared to -0.59% on December 2012.
2012. - Return On Equity – ROE of 4.65% on December 2013
- Imbal Hasil Ekuitas (Return On Equity – ROE) sebesar 4,65% compared to -3.26% on December 2012.
pada Desember 2013 dibadingkan -3,26% pada Desember - The increase in ROA and ROE are due to the BOPO ratio
2012. which decreased compared to the previous year.
- Peningkatan ROA dan ROE disebabkan oleh rasio BOPO - Net Interest Margin (NIM) in 2013 amounted to 6.65%, a
yang mengalami penurunan dibandingkan dengan tahun decrease compared to the position in December 2012 which
sebelumnya. amounted to 7.41%.
- Net Interest Margin (NIM) pada tahun 2013 sebesar
6,65%, mengalami penurunan dibandingkan posisi pada
Desember 2012 sebesar 7,41%.
122
• Beban Operasional terhadap Pendapatan Operasional (BOPO) • Operating Expenses to Operating Income (BOPO) of 85.76%.
sebesar 85,76%. Mengalami penurunan dibandingkan posisi Decreased compared to the position in December 2012 which
pada Desember 2012 sebesar 110,34%. was 110.34%.
• Per 31 Desember 2013, Financing Deposit Ratio (FDR) 97,40% • As of December 31, 2013, the Financing Deposit Ratio (FDR)
apabila dibandingkan dengan Desember 2012 sebesar 87,99%. was 97.40% compared to December 2012 which amounted to
Kondisi tersebut disebabkan peningkatan volume pembiayaan 87.99%. The condition is due to an increase in the financing
yang tidak diimbangi dengan peningkatan DPK, dimana volume that is not matched by an increase in deposits, in which
pembiayaan meningkat sebesar Rp705 miliar sedangkan DPK financing increased by Rp705 billion, while DPK increased by
hanya meningkat sebesar Rp341 miliar. only Rp341 billion.
• Kualitas aset produktif per 31 Desember 2013 rasio-rasio terkait • The quality of productive assets as of December 31, 2013 ratios
Introduction
dengan kualitas aktiva produktif antara lain: associated with assets quality, among others:
- Piutang Murabahah Net Performing Financing (NPF) - Gross - Murabahah Receivables Net Performing Financing (NPF) -
1,26%, Net Performing Financing (NPF) – Net 7,02%. Gross 1.26%, Net Performing Financing (NPF) – Net 7.02%.
- Piutang Istishna Net Performing Financing (NPF) - Gross - Istishna Receivables Net Performing Financing (NPF) - Gross
38,15%, Net Performing Financing (NPF) – Net 45,57%. 38.15%, Net Performing Financing (NPF) – Net 45.57%.
- Pinjaman Qardh Net Performing Financing (NPF) - Gross - Qardh Loan Net Performing Financing (NPF) - Gross 0.09%,
Performance
0,09%, Net Performing Financing (NPF) – Net 0,00%. Net Performing Financing (NPF) – Net 0.00%.
- Pembiayaan Mudharabah Net Performing Financing (NPF) - - Mudharabah Financing Net Performing Financing (NPF) -
Gross 1,57%, Net Performing Financing (NPF) – Net 2,31%. Gross 1.57%, Net Performing Financing (NPF) – Net 2.31%.
- Pembiayaan Musyarakah Net Performing Financing (NPF) - - Musyarakah Financing Net Performing Financing (NPF) -
Gross 3,66%, Net Performing Financing (NPF) – Net 1,50%. Gross 3.66%, Net Performing Financing (NPF) – Net 1.50%.
Good Corporate
Governance
Corporate Social
Responsibility
Consolidated
Corporate Data
123
Aspek Pemasaran Marketing Aspect
Aspek
Pemasaran
Marketing Aspect

Introduction
Performance
Good Corporate
Governance
Upaya untuk mengimplementasikan rencana strategis bisnis jangka Efforts to implement the short and long term strategic business plans,
pendek maupun jangka panjang, bank bjb selalu memberikan bank bjb always provides the best products and services and always
produk dan jasa yang terbaik serta selalui resposif terhadap dinamika responsive to market dynamics. bank bjb always provides the best
pasar. bank bjb selalu memberikan solusi yang terbaik untuk setiap solution for every customer’s needs, particularly in credit products.
kebutuhan nasabah, khususnya pada produk kredit. Salah satunya One of the products is the KGB, as one of the products that can
Corporate Social
produk KGB, sebagai salah satu produk yang dapat menopang support the credit growth of bank bjb, in which the KGB product has
Responsibility
pertumbuhan kredit bank bjb, yang dimana produk KGB memiliki a very important role, this is because:
peranan yang sangat penting, hal ini dikarenakan: • The strong positioning of the KGB product
• Positioning produk KGB yang cukup kuat • A competitive interest rates
• Tingkat suku bunga yang kompetitif • The implementation of on target promotional programs
• Diberlakukannya program promosi yang tepat sasaran • Giving attention to the debtors
• Pemberian atensi kepada para Debitur • Prioritizing Personal and Emotional touch as an advantage in the
Consolidated
• Mengutamakan Personal dan Emotional Touch sebagai terms of services.
keunggulan dari sisi pelayanan
Terlepas dari produk-produk kredit yang diberikan, sejalan dengan In additon to the credit products provided, in line with such, the
hal tersebut perusahaan juga menetapkan strategi untuk melakukan company also sets strategies to decrease the NPL level, specifically on
penurunan tingkat NPL, khususnya pada Kredit Mikro dengan dua Microcredit with a two-step set strategy, namely:
Corporate Data
langkah strategi yang ditetapkan, yaitu:
1. Penyelamatan dan Penyelesaian terhadap Kredit 1. Rescue and Settlement of Existing Credit
Existing
Pada awal tahun 2014 Divisi Mikro berencana akan melaksanakan In early 2014, the Micro Division plans to implement the Debt
secara serempak Program Sosialisasi Restrukturisasi Kredit, Restructuring Socialization Program simultaneously, as an effort
sebagai upaya penurunan Non Performing Loan (NPL) Kredit to reduce the Non Performing Loan (NPL) under the management
kelolaan Divisi Mikro, disisi lain faktor-faktor eksternal yang of the Micro Division, on the other hand external factors that
dapat mempengaruhi petumbuhan portofolio kredit kelolaan could affect the loan portfolio under the management of
Divisi Mikro dapat direduksi dengan beberapa strategis, seperti the Micro Division’s growth can be reduced through several
dilakukannya kerjasama dengan instansi pemerintahan, baik strategies, such as the implementation of the cooperations with
125
pemerintah pusat, provinsi maupun kabupaten/kota untuk government agencies, both central government, provincial and
memasarkan produk-produk Divisi Mikro bagi para pelaku regency/ city to market products of the Micro Division to SMEs in
UMKM di daerah, dan pemetaan potensi pembiayaan untuk the region, and mapping of potential funding for each bank bjb
masing-masing jaringan kantor bank bjb. office network.
Selain upaya penurunan NPL, Divisi Mikro juga memiliki strategi In addition to NPL reduction efforts, the Micro Division also
untuk melakukan ekspansi kredit yang berkualitas di tahun 2014, has a strategy to expand its quality credits in 2014, namely
yakni dengan melakukan inventarisir para debitur existing untuk by inventorying the existing borrowers to perform a top up,
dilakukannya top up, tentunya strategi ini ditujukan kepada undoubtedly, this strategy is intended for borrowers who have a
debitur yang memiliki riwayat kredit yang sehat, debitur dapat healthy credit history, debtors can be labeled healthy if they have
dikatakan sehat jika memiliki beberapa kriteria sebagai berikut : the following criteria:
• Telah menjalani setengah jangka waktu kredit • Have undergone half of the credit period
• Kolektibilitas Lancar • Current Collectibility
• Memenuhi persyaratan bank teknis untuk dilakukan Top Up • Meet the technical requirements of the bank to perform the
kredit. credit Top Up.
2. Kebijakan Open Selling Kredit Mikro Utama (KMU) 2. Main Micro Credit (KMU) Open Selling Policy
Adanya penurunan posisi Kredit Mikro Utama (KMU) sejak bulan A decrease in the Main Micro Credit (KMU) position since July
Juli 2013 sampai dengan Desember 2013 dari posisi Rp3.644 2013 to December 2013 from the position of Rp3,644 billion to
miliar menjadi sebesar Rp3.362 miliar (turun 7,74% atau sebesar Rp3,362 billion (a decrease of 7.74% or in the amount of Rp282
Rp282 miliar), sehingga penurunan posisi kredit dimungkinkan billion), making possible decline to continue in 2014.
berlanjut di tahun 2014.
Penyebab turunnya posisi KMU dikarenakan : The reason of the decline of the KMU position is due to :
• Adanya status “Stop Selling” terhadap jaringan kantor yang • A “Stop Selling” status to office networks with an NPL of >
NPL > 5% yaitu sebanyak 180 jaringan kantor atau 49,31% 5% in the amount of 180 office networks or 49.31% of the
dari total 365 jaringan kantor. Rendahnya ekspansi KMU total 365 office networks. The low expansion of the KMU
jaringan kantor yang terkena status stop selling dikarenakan office networks imposed by the stop selling status is because
kantor tersebut hanya dapat melakukan ekspansi dari the office can only expand from the existing borrowers in
debitur existing berupa penawaran top up. the form of top up offerings.
• Run off dari pencairan KMU, dimana per Januari sampai • Run off from KMU disbursements, in which as of January to
dengan November 2013, terdapat run off sebesar Rp571 November 2013, there were run off totalling an amount of
miliar atau rata-rata 3,18% per bulan. Rp571 billion or 3.18% per month on average.
Adapun rencana mekanisme Open Selling di tahun 2014 The Open Selling mechanism plan in 2014 is as follows:
adalah sebagai berikut: The Cut Off system was put into effect based on the position
Diberlakukan sistem Cut Off berdasarkan posisi Desember 2013, in December 2013, where the NPL position as of December 31,
dimana posisi NPL per 31 Desember 2013 tidak diperhitungkan 2013 was not included in the “Stop Selling” criteria, thus in
sebagai kriteria “Stop Selling”, sehingga di tahun 2014, 2014, the “Open Selling” status was applied at all KC/ KCP and
seluruh KC/KCP diberlakukan status “Open Selling” dan dapat able to perform expansions (normal condition).
melakukan ekspansi (kondisi normal).
3. Metode Monitoring Kualitas Kredit Mikro 3. Quality of Micro Credit Monitoring Method
a) Perubahan struktur Organisasi dari model bisnis unit menjadi a) Changes in the Organizational structure from the business
branch model: unit model to the branch model:
• Penambahan fungsi Credit Review, bisnis legal dan • The addition of the Credit Review, legal business, and
putusan kredit berdasarkan komite, sehingga diharapkan credit decision functions based on committees, thus the
proses kredit akan lebih prudent. credit process will be more prudent.
• Penerapan sistem Account Officer • The implementation of the Account Officer system
b) Mewajibkan debitur yang telah direalisasikan untuk b) Requiring realized debtors to attend the customer gathering
mengikuti customer gathering di bulan berikutnya, dengan in the following month, with the following objectives:
tujuan sebagai berikut:
126
• Mempererat hubungan antara bank bjb dengan debitur • Strengthening the relationship between bank bjb with
sehingga dapat mendorong timbulnya rasa loyalitas the debtors in order to encourage a high sense of
tinggi loyalty
• Sebagai media pembinaan kepada debitur untuk • As a coaching media to the debtors to provide an
memberikan pemahaman cara penggunaan kredit understanding of how to utilize the credit maximally
dengan maksimal • Can be used as a promotional and marketing media
• Dapat digunakan sebagai media promosi dan pemasaran (cross selling) of Credits managed by other Micro
(cross selling) Kredit keloaan divisi Mikro lainnya. divisions.
c) Pengembangan Loan Origination System (LOS) c) The development of the Loan Origination System (LOS)
Introduction
Pengembangan Loan Origination System merupakan The development of the Loan Origination System is a
program kerja tahun 2013 yang dilanjutkan pada Rencana work program in 2013 which is resumed in the 2014-
Bisnis Bank 2014-2016. Manfaat dari Loan Origination 2016 Business Plan of the Bank. The benefits of the Loan
System antara lain: Origination System are, among others:
• Meningkatkan efisiensi dan service level melalui • To improve efficiency and level of services through
otomasi automations
Performance
• Tracking aplikasi dari mulai awal hingga persetujuan • To track application from the beginning to approval
• Mengurangi pemasukan data yang berulang-ulang • To reduce repeated data entries
• Meningkatkan fungsi kontrol dan monitoring aplikasi • To improve the control and monitoring application
• Memastikan bahwa semua aplikasi disetiap bagian function
di proses dalam jangka waktu yang sudah ditentukan • To ensure that all applications in every sections are
(service level) processed in the set amount of time (service level)
Good Corporate
Governance
• Meningkatkan produktivitas para staff dan kemampuan • To improve the productivity of the staff and their
kapasitas prosesnya. processing capacity abilities.
d) Monitoring On Call (MOC) d) Monitoring On Call (MOC)

Melakukan monitoring terkait First Payment Default (FPD), Conduct monitoring related to First Payment Default (FDP),
dari hasil monitoring akan diperoleh informasi penyebab the results of the monitoring will generate the information
Corporate Social
terjadinya FPD, yaitu: on the cause of FPD, namely:
Responsibility
• Dana untuk angsuran terpakai untuk kebutuhan lain • Installment funds was used for other needs
• Debitur masih mengumpulkan dana untuk angsuran, • Debtor is still collecting funds for the installment, due to
dikarenakan adanya keterlambatan pembayaran piutang the delay in the account receivables of their customers
dari konsumen • Misconception of the debtors who regards their savings
• Kesalahpahaman debitur mengenai tabungan beku as the first installment
yang dianggap sebagai angsuran pertama • Force Majeur (bad weather) causing crop failures of the
Consolidated
• Force Majeur (cuaca buruk) yang menyebabkan beberapa debtors’ agricultural business
usaha pertanian debitur mengalami gagal panen • Lack of monitoring by the KC/KCP officers
• Kurangnya monitoring dari petugas KC/KCP • Incompatibility of credit facilities utilizations for items
• Ketidaksesusaian penggunaan fasilitas kredit untuk hal- outside of the credit financing.
hal diluar pembiayaan kredit.
Corporate Data
Dari sisi kredit KPR bank bjb tetap mengedepankan In terms of mortgage loans bank bjb continues to
kualitas kredit KPR diantaranya melalui: promote the quality of the mortgage loans, among
• Diberlakukan penalty apabila dilakukan pelunasan kredit pada others thorugh:
masa Fixed Rate + 1 (Satu) Tahun, yaitu sebesar 3% - 4% dari • The imposition of penalty in the event of credit acquittal in the
pembayaran/pelunasan pokok. Fixed Rate + 1 (One) Year period, which is in the amount of
• Adanya produk Top Up kredit untuk debitur existing yang bunga 3%-4% of the payment/ settlement of the principal.
lebih rendah dari suku bunga floating. • The presence of the Top Up product for existing borrowers with
• Akan diadakan “Program Retention” apabila take over lower than the floating interest rates.
nasabah. • “Program Retention” program will be carried out in the event
customer take over occur.
127
Penghimpunan Dana Pihak Ketiga Third Party Funding

1. Dalam melakukan strategi untuk perluasan bisnis bank bjb 1. In conducting business expansion strategy bank bjb develops
mengembangkan program-program hadiah langsung, seperti direct reward programs, such as bjb time savings tandamata II
tabungan bjb tandamata berjangka periode II bulan Juli sampai for the period of July to December 2013, the bjb savings bjb
dengan Desember 2013, tabungan bjb Berhadiah Sesukamu Berhadiah Sesukamu for the period of May to December 2013.
untuk periode Mei sampai dengan Desember 2013. 2. Cooperating with Kemendikbud, Education Department of West
2. Melakukan kerjasama dengan Kemendikbud, Dinas Pendidikan Java and Banten provinces in the distribution of Poor Students
Jawa Barat dan Provinsi Banten dalam penyaluran Dana Bantuan Aid Fund (BSM), Teacher Certification Allowance Disbursement
Siswa Miskin (BSM), Penyaluran Dana Tunjangan Sertifikasi Guru and distribution of School Operational Assistance Funds (BOS) :
dan penyaluran dana Bantuan Operasional Sekolah (BOS): • Poor Students Aid Fund (BSM) for the 2013 Fiscal Year up to
• Dana Bantuan Siswa Miskin (BSM) Tahun Anggaran 2013 September with a total of Rp168 billion.
hingga bulan September total dana sebesar Rp168 miliar. • Teacher Certification Allowance Disbursement in 2013 up to
• Dana Tunjangan Sertifikasi Guru selama Tahun 2013 hingga September with a total fund of Rp2.8 trillion.
bulan September total dana sebesar Rp2,8 triliun. • School Operational Assistance Fund (BOS) during 2013 up
• Dana Bantuan Operasional Sekolah (BOS) selama tahun to September with a total of Rp1.2 trillion for the region of
2013 hingga bulan September total dana sebesar Rp1,2 West Java and Banten.
triliun untuk wilayah Jawa Barat dan Banten. • A total of of Rp2.2 trillion of the total of the 2013 Fiscal Year,
• sebesar Rp2,2 triliun dari total Tahun Anggaran 2013 yang which will be channeled through banks bjb in the amount of
akan disalurkan melalui bank bjb sebesar Rp4,4 triliun. Rp4.4 trillion.
3. Pendekatan kepada beberapa komunitas yang memiliki potensi 3. Approaches to several communities that have the most potential
pangsa pasar paling banyak, seperti dilakukannya kerjasama market share, such as the co-branding partnership with
co-branding dengan Komunitas otomotif. Pengembangan automotive Community. The Development of Consumer fund
produk Dana Konsumer meliputi pengembangan produk products includes the development of Children Savings, Review
Tabungan Anak, Review produk Dana Konsumer meliputi review of Consumer Fund products includes the review on the General
Kebijakan Umum dan SOP, pengembangan sistem Deposito, Policy and the SOP, the development of a Deposit system, the
pengembangan sistem Tabungan bjb Tandamata Berjangka dan development of bjb Savings Tandamata Berjangka and the
pengembangan sistem autotransfer bjb Tandamata Bisnis. development of the bjb autotransfer system Tandamata Bisnis.
4. bank bjb memberikan kemudahan bagi setiap Kantor Cabang 4. The company facilitates each Branch Office and Regional Office
dan Kantor Wilayah untuk dapat melakukan pemutusan special to decide on Deposit special rates, this is performed to optimize
rate Deposito, hal tersebut dilakukan untuk mengoptimalkan the services to the customers.
pelayanan kepada nasabah. 5. In order to better optimize the services to the customers, the
5. Dalam rangka lebih mengoptimalkan pelayanan kepada nasabah, Consumer Funding & Services Division grants authorizations the
maka Divisi Dana & Jasa Konsumer memberikan kewenangan Branch Managers and Regional Managers in deciding special
kepada Pemimpin Cabang dan Pemimpin Wilayah dalam hal rate of Deposits.
pemutusan special rate Deposito. 6. Increasing cooperation with the Local Government, both
6. Meningkatkan kerjasama dengan pihak Pemerintah Daerah Provincial, City and Regency in terms of the receiving of PBB-P2
baik Provinsi, Kota maupun Kabupaten dalam hal penerimaan and other Regional Tax online (bjb e-Tax) payments.
pembayaran PBB-P2 dan Pajak Daerah lainnya secara online 7. Perform improvements on specialized career path to the
(bjb e-Tax). Institutional marketing team, enabling the development of
7. Melakukan penyempurnaan carrier path spesialisasi kepada tim internal career.
marketing Institusional, sehingga dapat mengembangkan karir 8. Forming the Institutional Marketing Officer (IMO) in the
secara internal. corporate fund management Branch Office, which has the duty
8. Membentuk Institutional Marketing Officer (IMO) pada of conducting maintenance and services to customers as well as
Kantor Cabang pengelola dana corporate, yang bertugas implementing the Marketing Club Program.
melakukan maintenance & service kepada nasabah serta 9. Increasing cooperation with the Central Government, in this
mengimplementasikan Marketing Club Program. case the Ministry of Manpower and Transmigration as well as
9. Meningkatkan kerjasama dengan Pemerintah Pusat, dalam hal the Ministry of Cooperatives for employees credit cooperation.
ini dengan Kementrian Tenaga Kerja dan Transmigrasi serta
Kementrian Koperasi untuk kerjasama kredit karyawan.
128
Strategi Penggunaan Dana Funding Utilization Strategy
Dari aspek bisnis komersial, strategi yang digunakan untuk mencapai From the commercial business aspect, strategies used to achieve the
target adalah sebagai berikut: target is as follows:
• Kredit Konsumer • Consumer Credit

– Melakukan review Kebijakan Kredit Konsumer. – Conducting reviews on the Consumer Credit Policy.
– Optimalisasi Pemasaran kepada dinas/instansi secara proaktif – Optimizing Marketing to departments/ agency proactively
dan berkesinambungan. and continuously.
– Optimalisasi Pemasaran kepada Pensiunan dan Calon – Optimizing Marketing to the Retiree and Retiree Candidates
Introduction
Pensiunan terkait produk KGB bjb Kredit Pra Purna Bhakti in relations to the KGB products of bjb Kredit Pra Purna
dan bjb Kredit Purna Bhakti. Bhakti and bjb Kredit Purna Bhakti.
– Aliansi strategi yang lebih intensif dengan institusi/lembaga – More intensive strategic alliances with retirement fund
pengelola dana pensiunan. management institutions.
• Kredit Mikro • Micro Credit

Strategi dalam meningkatkan portofolio Mikro adalah sebagai Strategies to improve the Micro portfolio is as follows:
Performance
berikut: – Implementing HR acceleration and optimization.
– Melaksanakan percepatan dan optimalisasi SDM. – Conducting reviews on the existing policies in the Micro
– Melakukan revisi terhadap ketentuan-ketentuan yang ada di Division.
Divisi Mikro. – Conduct benchmarking to SME distributor Bank.
– Melakukan benchmarking kepada Bank penyalur UMKM. – Micro Credit Tiering Webscoring implementation
– Perbaikan implementasi Tiering Webscoring Kredit Mikro. improvements.
Good Corporate
Governance
– Melaksanakan optimalisasi Waroeng bjb tipe C melalui – Optimization of Waroeng bjb type C through communications
komunikasi dan koordinasi dengan Pemimpin Cabang dan and coordinations with the Branch Managers and KCP
Pemimpin KCP serta vendor Direct Sales Agency dalam Leaders as well as Direct Sales Agency vendors in order
rangka pemenuhan SDM Marketing dan Customer Service to fulfill the HR of Waroeng C Marketing and Customer
Waroeng C. Service.
– Membentuk klusterisasi untuk setiap Waroeng bjb yang – Form Clusterings for each Waroeng bjb which is based on
Corporate Social
Responsibility
berdasarkan kepada potensi daerah. the potentials of the region.
– Melakukan pendampingan kepada Kantor Cabang untuk – Conduct mentoring to Branch Offices for the marketing of
pemasaran produk-produk kelolaan Divisi Mikro. products under the management of the Micro Division.
Consolidated
Corporate Data
129
Tinjauan Fungsional Functional Review
Tinjauan
Fungsional
Functional Review
130
Introduction
Performance
Good Corporate
Governance
Dalam menjalankan usahanya, bank bjb tidak terlepas dari In conducting its business, the bank bjb not independent of the
ketersediaan sumber daya manusia yang memadai, baik dari segi availability of adequate human resources, both in terms of quantity
jumlah maupun kualitasnya. Dengan sumber daya manusia yang and quality. With the human resources that are reliable and competent,
handal dan kompeten, serta didukung oleh penguasaan teknologi and supported by the latest technology and modern mastery, job
terbaru dan modern, aktivitas pekerjan Perseroan dapat berjalan retention activities of the Company can be run more effectively and
dengan lebih efektif dan efisien, sehingga pencapaian target efficiently, so that the overall achievement of performance targets
Corporate Social
Responsibility
kinerja secara keseluruhan dapat diraih dengan baik. Untuk dapat can be achieved with either. To meet these needs, the necessary
memenuhi kebutuhan tersebut, diperlukan proses yang terencana process of planned and sustainable, so that later can be generated
dan berkesinambungan, sehingga nantinya dapat dihasilkan insan- beings who not only have the skills that are reliable, but also has
insan yang tidak hanya memiliki kecakapan yang handal namun juga a good attitude. Accordingly, the Company’s operations can run
memiliki attitude yang baik. Dengan demikian, kegiatan operasional smoothly, the quality of services provided bank bjb continuity can
Perseroan dapat berjalan secara lancar, kualitas layanan yang be maintained.
diberikan bank bjb pun dapat terjaga kesinambungannya.
Consolidated
Pencapaian pertumbuhan yang semakin besar, juga berakibat The achievement of greater growth, has also resulted in the
pada semakin besarnya customer base yang dimiliki Bank. Dengan growing customer base held by the Bank. With a diverse customer
beragam jumlah nasabah dan beraneka ragam kebutuhan mereka base and diverse needs of their complex should be handled with
yang kian kompleks harus bisa ditangani dengan kenyamanan dan the convenience and speed of equivalent quality. The existence
kecepatan yang setara kualitasnya. Keberadaan teknologi informasi of appropriate information technology plays an important role.
Corporate Data
yang tepat guna sangat memegang peranan penting. Tersedianya The availability of a wide range of systems technology with all the
berbagai sistem teknologi dengan segala kelebihannya harus bisa benefits should be examined as well. Banks must be able to establish
dicermati secara baik. Bank harus mampu menetapkan sistem information technology systems that fit their needs. Infrastructure
teknologi informasi yang sesuai dengan kebutuhannya. Infrastruktur is built on purpose, so that future development can be carried out
dibangun berdasarkan keperluan, sehingga pengembangannya efficiently and does not interfere with operations of the Bank.
ke depan dapat dilakukan secara efisien dan tidak mengganggu
operasional Bank.
131
Sumber Daya
Manusia
Human Resources

Rp 1,6T
Biaya Tenaga Kerja
Employee Expenses
+ 1.046
Introduction
Rekrutmen Karyawan
Fresh Graduate
Fresh Graduate Employee
Recruitment
Performance
Good Corporate
Governance
Dalam industri jasa keuangan seperti perbankan, faktor sumber In the financial services industry such as banking, the human resources
daya manusia menjadi sangat penting, selain teknologi. Demi factor becomes very important, in addition to technology. In order to
menciptakan layanan terbaik kepada setiap nasabah, bank bjb create the best services to the customers, bank bjb positions the
memposisikan kualitas sumber daya manusia sebagai salah satu quality of human resources as one of the top priorities in supporting
prioritas utama demi menunjang kegiatan operasional perusahaan. the operations of the Company.
Corporate Social
Responsibility
Hal ini dilakukan untuk memperoleh rasa percaya dan loyalitas This is conducted to gain a sense of trust and loyalty of the customers
nasabah tehadap perusahaan. Untuk itu, bank bjb senantiasa towards the Company. To that end, bank bjb always prioritize efforts
memprioritaskan upaya-upaya peningkatan kompetensi dan to increase the competence and expertise of all employees in order
keahlian bagi seluruh karyawannya agar mereka dapat berperan for them to be able to play an active role in the Company’s business
aktif dalam pertumbuhan usaha perusahaan. Selain itu, mampu growth, in addition, able to adapt to the dynamics of the rapidly
Consolidated
beradaptasi dengan dinamika bisnis yang berkembang dengan expanding business.
cepat.
Upaya pengelolaan dan pengembangan sumber daya manusia Efforts to manage and develop human resources are conducted by
dilakukan bank bjb melalui program yang berkesinambungan, bank bjb through continuous programs, beginning from the process
sejak proses perekrutan hingga aset utama ini berkarya di of recruitment until this main asset work in the company.
perusahaan.
Corporate Data
Pengembangan SDM didukung oleh kebijakan dan pelaksanaan The development of human resources is supported by the policies and
recruitment, career path, dan job grading. Selain itu, juga the implementations of recruitment, career path, and job grading. In
pelaksanaan program pendidikan dan pelatihan yang mendukung addition, the implementation of educational and training programs
bisnis bank secara teratur dan berkesinambungan melalui Training through the Training Program Academy supports the bank’s business
Program Academy. regularly and continuously.
Penataan sistem pendidikan dan/atau pelatihan pegawai disesuaikan Education system and/or employee trainings are structured according
dengan kondisi dan kemampuan perusahaan serta tuntutan to the condition and the ability of the Company as well as the
perkembangan ilmu pengetahuan dan teknologi yang dibutuhkan demands for knowledge and technology required by the Bank at the
bank saat ini dan mendatang. present time and in the future.
133
Rekrutmen Recruitment
Rekrutmen bank bjb sebagai proses pengadaan sumber daya bank bjb recruitment as the process of procurement of human
manusia (SDM), dilakukan secara terencana demi mendapatkan SDM resources (HR) is conducted as planned in order to get quality and
berkualitas dan profesional. Hal itu sejalan dengan kebutuhan akan professional human resources. This is in line with bank bjb’s rapid
pertumbuhan bank bjb yang begitu pesat. need for growth.
Program rekrutmen di tahun 2013 adalah sebagai berikut: Below are the recruitment programs in the year 2013:
• Rekrutmen fresh graduate • Fresh Graduates Recruitment.

Rekrutmen ini merupakan tenaga kerja tenaga kerja baru This recruitment is the provision of new employees recently
lulus perguruan tinggi dengan status pegawai nonpendidikan. graduated from university with the status non-education
Selama tahun 2013, Divisi SDM telah mengadakan rekrutmen employees. During the year 2013, the Division of Human
tenaga fresh graduate dan menjaring 1.536 tenaga. Termasuk di Resources conducted the recruitment of fresh graduates and
antaranya, 490 tenaga alih daya bank bjb yang diangkat menjadi recruited 1,536 personnel. Among them, 490 personnel were
calon pegawai tetap melalui jalur rekrutmen internal bank bjb. selected through outsourcing and became permanent employees
• Rekrutmen Individual Hire through the internal recruitment conducted by bank bjb.
Rekrutmen ini merupakan pengadaan tenaga berpengalaman • Individual Hire Recruitment.
pada bidang pekerjaan tertentu yang diselaraskan dengan This recruitment is the provision of experienced employees
kebutuhan pencapaian kinerja bank bjb. Rekrutmen tahun 2013 in certain job fields aligned with bank bjb’s needs to achieve
telah menjaring 29 tenaga individual hire. performance. In 2013 bank bjb recruited 29 individual hire
employees.
Jumlah Karyawan Berdasarkan Level Jabatan

Total of Employees based on Position Level
Jenjang Manajemen 2009 2010 2011 2012 2013 Management Level
Manajemen Puncak 20 20 20 30 35 Top Management
Manajemen Madya 147 120 160 209 211 Senior Management
Manajemen Lini 416 544 824 1.235 1.448 Junior Management
Staf dan Lainnya 1.538 1.364 1.117 3.407 4.701 Staff and Others
Jumlah 2.121 2.048 2.121 4.881 6.395 Total
Jumlah Karyawan Berdasarkan Usia

Total of Employees based on Age
Jenjang Usia 2009 2010 2011 2012 2013 Age Level
18-30 tahun 705 983 992 3.662 4.838 18-30 Years
31-40 tahun 704 574 621 716 1.026 31-40 Years
41-50 tahun 571 444 455 448 447 41-50 Years
Lebih dari 50 tahun 141 47 53 55 84 Lebih dari 50 Years
Jumlah 2.121 2.048 2.121 4.881 6.395 Total
Jumlah Karyawan Berdasarkan Pendidikan

Total of Employees based on Education Level
Jenjang Pendidikan 2009 2010 2011 2012 2013 Educational Level
S3 3 5 4 3 2 Doctoral
Pasca Sarjana S2 189 188 193 250 252 Post Graduate
Sarjana dan Sederajat 1.546 1.532 1.621 3.600 4.842 Undergraduate
Diploma 240 260 249 996 1.269 Diploma
Sekolah Lanjutan Tingkat Atas 116 58 48 28 27 Senior High School
dan Sederajat
Sekolah Menengah Tingkat 8 2 1 1 1 Junior High School
Pertama
Sekolah Dasar 19 7 5 3 2 Elementary School
Jumlah 2.121 2.052 2.121 4.881 6.395 Total
134 Kriteria ARA No. IV.8.1, IV.8.2

Jumlah Karyawan Berdasarkan Status
Total of Employees based on Status Level
Status 2009 2010 2011 2012 2013 Status
Tetap 1.608 1.532 1.979 2.115 3.086 Permanent
Calon Pegawai 513 516 142 2.766 3.309 Prospective
Jumlah 2.121 2.048 2.121 4.881 6.395 Total
Komposisi Karyawan Menurut Status pada tahun Komposisi Karyawan Menurut Jenjang Pendidikan
2013 pada tahun 2013
2013 Composition of Employees by Status 2013 Composition of Employees by Educational Level
Introduction
0,03%
0,02% 0,03% 3,94% S3
0,42% S3
Pasca Sarjana S2
Post Graduate

48,26% 19,84%
Sarjana
Undergraduate
Performance
Tetap
51,74% Permanet
Calon Pegawai
Prospective
75,72% Diploma
Diploma
SMA
Senior High School
SMP
Junior High School
SD
Elementary School
Good Corporate
Governance
Komposisi Karyawan Menurut Jenjang Manajemen Komposisi Karyawan Menurut Jenjang Usia
pada tahun 2013 pada tahun 2013
2013 Composition of Employees by Management Level 2013 Composition of Employees by Age
0,55% 1,31%
3,30% 6,99%
Corporate Social
Responsibility
22,64% Manajemen Puncak 18 – 30 Tahun
Top Management 16,04% 18 – 30 Years
Manajemen Madya 31 – 40 Tahun
Senior Management 31 – 40 Years
73,51% Manajemen Lini

Junior Management
Staf dan Lainnya
75,65% 41 – 50 Tahun
41 – 50 Years
Lebih dari 50 Tahun
Staff and Others Older Than 50 Years
Jumlah Karyawan Berdasarkan Lama Kerja Komposisi Karyawan Berdasarkan Lama Kerja Consolidated
Total of Employees based on Year of Service pada tahun 2013
Masa Kerja 2013 Year of Service 2013 Composition of Employees by Year of Service
Kurang dari 1 Tahun 991 Less Than 1 Years
1 – 5 Tahun 4.405 1 – 5 Years
6 – 10 Tahun 299 6 – 10 Years 15,50%
10,95%
Corporate Data
Lebih dari 10 Tahun 700 Older Than 10 Years

Kurang dari 1 Tahun
Jumlah 6.395 Total 4,68% Less than 1 Years
1 – 5 Tahun
1 – 5 Years
68,88% 6 – 10 Tahun
6 – 10 Years
Lebih dari 10 Tahun
68,88% Older than 10 Years
Kriteria ARA No. IV.8.3 135

Pengelolaan Kinerja Performance Management

Perseroan senantiasa mengukur tingkat pencapaian atau keberhasilan The Company continues to measure the level of achievement or success
pegawai dengan menggunakan penilaian kinerja. Pengukuran of employees using the performance assessment. Measurement of
kinerja pegawai didasarkan atas indikator-indikator sasaran kerja employee performance is conducted based on the agreed work target
yang disepakati (goal setting) dan dimonitor tingkat pencapaiannya indicators (goal setting) and the level of achievement is periodically
secara berkala setiap triwulan serta pada akhir tahun. monitored (quarterly) and at the end of the year.
Pengembangan Kompetensi Competence Development

Pengembangan kemampuan karyawan merupakan kunci Employee capacity building is the key to the availability of reliable
tersedianya sumber daya manusia yang andal untuk menjawab human resources to meet the challenges of the various positions and
tantangan berbagai jabatan dan bagi terciptanya budaya kinerja for the creation of dynamic performance culture in bank bjb. The
yang dinamis di bank bjb. Divisi SDM telah melaksanakan program Division of Human Resources implemented the assessment program
assessment yang dilaksanakan secara berkala. periodically.
Tujuan dari program ini, di antaranya untuk mengukur kesesuaian The purpose of this program, among others is to measure the
antara kompetensi yang dibutuhkan untuk level jabatan tertentu compatibility between the competencies required for particular
dengan kinerja yang ditampilkan dari pegawai yang bersangkutan. positions with the performance of the employee in question. The
Hasil analisa kesenjangan antara kebutuhan dengan apa yang results of the analysis of the gap between the needs and what is shown
ditampilkan menjadi bahan rekomendasi yang kemudian disampaikan becomes the material for recommendations which is submitted to
kepada Divisi Pendidikan & Pelatihan dalam menyusun silabus guna the Division of Education & Training to prepare a syllabus to develop
mengembangkan kompetensi yang dibutuhkan dari pegawai. the competencies required from the employees.
Selain itu, hasil assessment juga dapat dijadikan sebagai salah satu In addition, the assessment results can also be used as a decision
alat keputusan untuk menetapkan pengembangan karir pegawai. tool to establish the employee’s career development. Employees
Pegawai yang dinilai memiliki kompetensi untuk menempati posisi who are considered to have the competence to occupy managerial
manajerial diusulkan untuk menempati jabatan yang sesuai dengan positions will be recommended to occupy the position according to
kemampuan yang dimilikinya. their capabilities.
Selama tahun 2013, Divisi SDM telah mengadakan 3 (tiga) kali During the year 2013, the Division of Human Resources performed
assessment untuk level officer, assistant, dan Officer Development 3 (three) assessments for the levels of officer, assistant, and Officer
Program (ODP) yang diikuti oleh 547 pegawai. Development Program (ODP), followed by 547 employees.
Pendidikan dan Pelatihan Education and Training

Divisi Pendidikan dan Pelatihan terus berkordinasi dengan Divisi The Education and Training Division continues to coordinate with
SDM dan unit kerja terkait dalam meningkatkan kompetensi the Human Resources Division and related working units in improving
pegawai-pegawai di bank bjb. Sesuai dengan Pedoman Persyaratan bank bjb employees’ competencies. According to the Guidelines for
Pelatihan Pegawai bank bjb Sesuai Sistem Grading, kami membagi bank bjb Employee Training Requirements through the Grading
pelatihan menjadi tiga kategori: System, trainings are categorized into three categories:
1. Pelatihan utama yang menjadi syarat kenaikan grade seorang 1. The main training which is a prerequisite for grade promotion of
pegawai bank bjb. bank bjb’s employees.
2. Pelatihan teknikal berdasarkan kompetensi sesuai unit kerja yang 2. Technical training based on competency according to the
diharapkan dapat meningkatkan kompetensi seorang pegawai working unit which is expected to improve the competence of an
sesuai dengan job description pekerjaannya di lapangan. employee in accordance to the job description within the related
3. Pelatihan soft skill yang diarahkan untuk pengembangan diri field.
pegawai. 3. Soft skills training for the self-development of employees.
Tahun 2013 Pendidikan dan Pelatihan yang telah diselenggarakan In 2013, the Company held 948 Education and Training programs
oleh Perseroan untuk pengembangan SDM adalah sebanyak 948 attended by 19,529 participants.
jenis Pendidikan Dan Pelatihan yang diikuti oleh 19.529 peserta.
Divisi pendidikan dan pelatihan telah menyusun program pelatihan The education and training division has developed a training program
dalam bentuk Training Program Academy yang mengatur program in the form of Training Program Academy regulating bank bjb
136 Kriteria ARA No. IV.8.4

pelatihan pegawai bank bjb yang disesuaikan dengan ketentuan employee training programs tailored to the provisions of the grading
sistem grading yang telah ditetapkan oleh Divisi Sumber Daya system established by the Division of Human Resources and based
Manusia berdasarkan kompetensi jabatan (competency based). on job competency (competency based). The training program is
Program pelatihan tersebut telah diatur dalam Surat Keputusan regulated in the Decree of the BOD No. 578/SK/DIR-PLT/2012 dated
Direksi No. 578/SK/DIR-PLT/2012 tanggal 5 Oktober 2012 tentang October 5, 2012 on the Guidelines for bank bjb Employee Training
Pedoman Persyaratan Pelatihan Pegawai bank bjb Sesuai Sistem Requirements through the Grading System, where the training
Grading, dimana program persyaratan pelatihan disusun untuk requirements program is structured for each grade and divided into:
setiap grade yang dibagi dalam: - Primary Training
- Pelatihan Utama - Selective Training (Technical, Soft skill and Certification)
- Pelatihan Pilihan (Teknikal, Softskill, dan Sertifikasi)
Introduction
Berikut adalah beberapa jenis pelatihan yang sudah diselenggarakan Here are some of the types of training based on the position organized
oleh Divisi Pelatihan di tahun 2013 berdasarkan jabatan: by the Training Division in the year 2013:
1. Pelatihan Utama/ Main Training
Nama Pelatihan Target Peserta Tingkatan
Performance
Training Name Participant Grade
Character Building Junior Staf 1
Pengenalan Perbankan Junior Staf 1
Pengenalan Perbankan Frontliner Customer Service, Teller 1
Pengenalan Perbankan Frontliner via bjb simple Customer Service, Teller 1
APU - PPT Customer Service, Teller 1-3
Akuntansi Bank Lanjutan Junior Staf, Junior Auditor, Junior Programmer, Junior Engineer 3
Good Corporate
Governance
Anti Money Laundry Teller, Customer Service 3
Officer Program Assistant (Seluruh jabatan di grade 5) 5
Risk Management Senior Assistant (Seluruh jabatan di grade 6) 6
Sertifikasi Manajemen Risiko Level 1 Officer, Senior Auditor, Manager 6 - 11
Sub Branc Manager Development Program Officer 7
Service Leadership Pemimpin KCP, Senior Officer, Relationship Officer 8
Sertifikasi Manajemen Risiko Level 2 Senior Officer, Manager, Pemimpin Grup 8 - 13
Corporate Social
Responsibility
Manajerial Lini Pertama Senior Officer, Manager, Pemimpin KCP 9 - 10
Problem Solving dan Decision Making Manager, Pemimpin KCP 10
Refreshment Manajemen Risiko Manager, Pemimpin KCP, Pemimpin Grup, Pemimpin Cabang 10 - 15
Senior Manager Program Manager, Pemimpin KCP 11
Leadership Managing People Pemimpin Grup 12
Sertifikasi Manajemen Risiko Level 3 Pemimpin Grup, Pemimpin Cabang 12 - 16
Branch Manager Pemimpin KCP Kelas 1, Pemimpin Grup, Pemimpin Cabang 13 - 14
Consolidated
Effective Delegation and Task Management Pemimpin Cabang 14
Innovative Marketing Strategy Pemimpin Cabang 15
Sespi Bank Pemimpin Cabang, Pemimpin Wilayah, Pemimpin Divisi 16 - 19
Sertifikasi Manajemen Risiko Level 4 Pemimpin Wilayah, Pemimpin Divisi 17 - 19
Strategic Business Analysis Pemimpin Divisi 19
2. Pelatihan Teknikal/ Technical Training

Corporate Data
Nama Pelatihan Target Peserta/Participant Training Name

Analisa Kredit Komersial Junior Staf/Staf Analis Komersial, Manager Komersial, Pemimpin Analisa Kredit Komersial
Grup
Analisa Kredit Konsumer Junior Staf/Staf Analis Kredit Konsumer, Junior Staf/Staf Admin Analisa Kredit Konsumer
Kredit Konsumer, Officer, Senior Officer
Analisa Kredit KPR Junior Staf/Staf Analis Kredit KPR, Officer, Senior Officer Analisa Kredit KPR
Analisa Kredit Mikro Junior Staf Analis Kredit Mikro, Pemimpin KCP Analisa Kredit Mikro
Analisa Laporan Keuangan Junior Staf, Staf Analisa Laporan Keuangan
APU - PPT Officer, Senior Officer, Manager Operasional APU - PPT
Banknotes Customer Service, Teller, Officer, Senior Officer Banknotes
Basic Audit Junior Auditor Basic Audit
137

Basic Treasury Junior Dealer Basic Treasury
Branch Officer Supporting Officer, Senior Officer Branch Officer Supporting
Cash Management Pemimpin Kantor Kas, Officer, Senior Officer, Pemimpin KCP Cash Management
Frontliner - CS Customer Service Frontliner - CS
Frontliner - Teller Teller Frontliner - Teller
Hukum Perkreditan dan Penilaian Junior Staf/Staf Admin Kredit, Junior Staf/Staf Supervisi Kredit Hukum Perkreditan dan Penilaian
Agunan Agunan
Operasional Bank Dasar Junior Staf, Staf Operasional Bank Dasar
Operasional Bank Lanjutan Junior Staf, Staf Operasional Bank Lanjutan
Penyelamatan Kredit Bermasalah Pemimpin KCP Penyelamatan Kredit Bermasalah
Refreshment Manager Operasional Manager Operasional Refreshment Manager Operasional
Refreshment Pemimpin KCP Pemimpin KCP Refreshment Pemimpin KCP
Service Excellence dan Standar Customer Service, Teller Service Excellence dan Standar
Layanan Layanan
Strategic Management Pemimpin Grup Strategic Management
Supervisi Kredit Junior Staf, Staf Supervisi Kredit
Supervisi Kredit Mikro Junior Staf, Staf Supervisi Kredit Mikro
Teknik Penilaian Asset dan Jaminan Junior Staf, Staf Teknik Penilaian Asset dan Jaminan
3. Pelatihan Soft Skill/ Soft Skill Training

Communication Skill Junior Assistant (seluruh jabatan di grade 1 - 3) Communication Skill
Proffesional Etiquette Junior Assistant (seluruh jabatan di grade 1 - 3) Professional Etiquette
Public Speaking Junior Assistant (seluruh jabatan di grade 1 - 3) Public Speaking
Coaching and Counselling Seluruh jabatan di atas Officer Coaching and Counselling
Leadership Seluruh jabatan di atas Officer Leadership
Sales Presentation Skill Seluruh jabatan di atas Officer Sales Presentation Skill
Stress Management Assistant (Seluruh jabatan di grade 5) Stress Management
Time Management Assistant (Seluruh jabatan di grade 5) Time Management
Leadership Managing People Seluruh jabatan di atas Manager Leadership Managing People
Selain beberapa judul pelatihan di atas, Divisi Pelatihan juga In addition to the trainings above, the Training Division also
menyelenggarakan pelatihan lainnya untuk meningkatkan organizes other trainings to improve the competence and the
kompetensi dan kualitas pegawai bank bjb. quality of bank bjb employees.
Biaya Pelatihan Cost of Training

Anggaran pendanaan yang dipergunakan untuk mendukung Funding used to support the implementation of trainings is adjusted
terlaksananya pelatihan dengan baik, disesuaikan dengan program to the Company’s programs with regard to the applicable regulations.
perusahaan dengan tetap memperhatikan ketentuan yang berlaku. The total training budget based on the provisions of Bank Indonesia
Jumlah anggaran dana pelatihan didasarkan pada ketentuan Surat Circular Letter No. 31/24/UPPB on the Provision of Fund for Human
Edaran Bank Indonesia No.31/24/UPPB perihal Penyediaan Dana Resources Development of Commercial Banks and Bank Indonesia
untuk Pengembangan Sumber Daya Manusia Bank Umum dan Surat Decree No. 31/310/KEP/DIR dated March 31, 1999 on the Provision
Keputusan Bank Indonesia nomor 31/310/KEP/DIR tanggal 31 Maret of Fund for the Development of Human Resources of Commercial
1999 tentang Penyediaan Dana untuk Pengembangan Sumber Banks where education fund of at least 5% should be provided from
Daya Bank Umum bahwa penyediaan dana pendidikan sekurang- the Human Resources budget expenditure.
kurangnya 5% dari anggaran pengeluaran SDM.
138 Kriteria ARA No. IV.8.5

Apabila dana Pelatihan tersebut masih tersisa, maka bank dapat The remainder of training fund can be added to next year’s training
menambahkan dana pelatihan tersebut ke anggaran dana pelatihan budget. Below is the basic calculation of the training budget in
tahun berikutnya. Berikut adalah dasar perhitungan anggaran 2013:
Pelatihan tahun 2013:
Proyeksi Anggaran Biaya Pendidikan dan Latihan Tahun 2013
2013 Training Budget Projections
Nilai
Biaya SDM per September 2012 562.331.207.631,00 HR Costs per September 2012
Rata-rata per Bulan 62.481.245.292,33 Average per Month
Introduction
Proyeksi biaya SDM tahun 2012 749.774.943.508,00 Projected Cost of HR 2012
Persentase 5% Percentage
Proyeksi biaya Diklat tahun 2013 37.488.747.175,40 Projected cost of Training in 2013
Sisa Tahun-tahun sebelumnya 30.778.368.920,00 The rest of the previous years
Proyeksi Sisa Anggaran Tahun 2012 642.116.889,95 Projected Budget Surplus In 2012
Performance
Proyeksi Biaya Diklat Tahun 2013 68.909.232.985,35 Projected Cost of Training in 2013
Pembulatan 69.000.000.000,00 Rounding Off
Dengan demikian, anggaran pelatihan yang dapat digunakan oleh Thus, in 2013 the training budget that was able to be used by the
Divisi Pendidikan dan Pelatihan tahun 2013 sebanyak Rp69 Miliiar. Division of Education and Training was Rp69 billion. The total cost of
Total biaya kegiatan pendidikan dan pelatihan yang dikeluarkan oleh education and training activities issued by the Training Division until
Good Corporate
Divisi Pelatihan sampai Desember 2013 sebesar Rp48,467 miliar. December 2013 was Rp48.467 billion.
Governance
Jumlah tersebut setara dengan 129,28% dari proyeksi biaya pelatihan This amount is equivalent to 129.28% of the projected cost of the
tahun 2013 tanpa ditambah sisa kumulatif tahun-tahun sebelumnya. training in 2013 without being added by the cumulative remainder
Sedangkan apabila ditambah dengan sisa anggaran tahun-tahun from the previous years. Meanwhile, when added with the remainder
sebelumnya, sudah tercapai 70,24%. of the budget in previous years, the number reached 70.24%.
Corporate Social
Responsibility
Rencana dan Strategi Divisi Pendidikan dan Plans and Strategy Division of Education dan
Pelatihan dalam mengembangkan SDM bank bjb Pelatihan bjb banks in developing human
Dalam rangka pengembangan dan peningkatan kualitas Sumber resources
Daya Manusia, perlu dilakukan penataan sistem pendidikan dan/atau In order to develop and improve the quality of human resources,
pelatihan pegawai yang dalam implementasinya disesuaikan dengan is necessary to reform the system of education and/or training
kondisi dan kemampuan perusahaan serta tuntutan perkembangan employees in its implementation tailored to the conditions and the
ilmu pengetahuan dan teknologi yang dibutuhkan Bank saat ini dan ability of the company as well as the demands of the development
masa yang akan datang. Dimana Visi dan Misi Divisi Pendidikan dan of science and technology that takes the Bank’s current and future. Consolidated
Pelatihan adalah: Where the Vision and Mission of the Division of Education and
Training are:
Visi Vision
“Menjadi Centre of Learning Organization dalam Mendorong “To become Centre of Learning Organization in Promoting the
Corporate Data
Kegiatan Bisnis Bank” Bank’s Business Activities”

Misi Mission
1. Sebagai pusat kepemimpinan (Centre of Leadership), yaitu 1. Act as Centre of Leadership, namely the center for the creation
tempat mengembangkan dan menciptakan kader-kader and development of qualified and visionary cadre of future
pemimpin masa depan bank bjb yang mumpuni dan visioner leaders to further develop bank bjb’s business activities;
dalam mengembangkan kegiatan bisnis bank bjb; 2. As Centre of Competency, forging competent bank employee
2. Sebagai pusat pengembangan kompetensi (Centre of through attitude, knowledge and skill development program;
Competency), yaitu menciptakan pegawai Bank kompeten 3. As Centre of Certification delivering acknowledged and certified
melalui pengembangan attitude, knowledge dan skill; employees.
3. Sebagai pusat sertifikasi (Centre of Certification), yaitu
menciptakan pegawai Bank yang mempunyai standar kompetensi
yang diakui atau tersertifikasi.
139
Seluruh kegiatan Diklat diarahkan untuk peningkatan kualitas All activities of training and education are aimed to improve the
kompetensi sehingga dapat dicapai: quality of competence in order to attain:
1. Tersedianya SDM yang berkualitas dan profesional guna 1. The provision of qualified and professional human resource to
menunjang kegiatan jasa layanan bisnis dan operasional Bank. support the Bank’s business and operational activities.
2. Tersedianya SDM yang memiliki kompetensi dalam memenuhi 2. The provision of competent human resource in fulfilling the
persyaratan jabatan yang sedang maupun yang akan dijabat. current and future position requirements.
3. Meningkatkan pengetahuan, keterampilan dan wawasan seluruh 3. The improvement of knowledge, skill and perspective all
pengurus dan/atau pegawai. management and/or employee.
Dengan demikian strategi Divisi Pendidikan dan Pelatihan yang Thus, the strategy of the Education and Training Division, as set forth
tertuang dalam Rencana Bisnis bank yang mendukung visi dan misi in the Business Plan, is intended to support the vision and mission of
dimaksud, yaitu the bank, namely:
1. Merancang program pendidikan dan pelatihan yang mendukung 1. Designing education and training programs that support the
kegiatan bisnis bank secara terstruktur dan berkesinambungan Bank’s business activities, in a structured and continuous manner,
sesuai dengan Training Program Academy yang bersifat teknikal in accordance with the technical aspect of the Academy’s Training
2. Merancang program Pendidikan dan Pelatihan yang mendukung Program.
kegiatan bisnis bank secara terstruktur dan berkesinambungan 2. Designing education and training programs that support the
sesuai dengan Training Program Academy yang bersifat softskill Bank’s business activities, in a structured and continuous manner,
3. Merancang program Pendidikan dan pelatihan yang in accordance with the soft skill aspect of the Academy’s Training
mendukung pengembangan bisnis bank secara terstruktur dan Program.
berkesinambungan sesuai dengan Training Program Academy. 3. Designing education and training programs that support the
4. Merancang program Pendidikan dan Pelatihan yang mendukung Bank’s business activities, in a structured and continuous manner,
kompetensi manajerial dan kepemimpinan bank secara in accordance with the Academy’s Training Program.
terstruktur dan berkesinambungan sesuai dengan Training 4. Designing education and training programs that support the
Program Academy Bank’s managerial competence and leadership, in a structured
5. Merancang program Pendidikan dan Pelatihan yang mendukung and continuous manner, in accordance with the Academy’s
kompetensi calon pegawai baru bank bjb Training Program.
6. Merancang program Pendidikan dan Pelatihan yang mendukung 5. Designing education and training programs that support the
kompetensi supporting pegawai di bidang IT competence of the Bank’s new recruit.
7. Mengusulkan pendidikan dan pelatihan yang tidak terdapat 6. Designing education and training programs that support the
dalam Training Program Academy supporting competence of the IT personnel.
8. Merancang program Pendidikan dan Pelatihan untuk supporting 7. Proposing education and training program not included in
– Control Training Program Academy.
9. Merancang program pendidikan dan pelatihan untuk 8. Designing education and training program for supporting –
pengembangan mental dan Rohani pegawai Control.
9. Designing education and training program for employee’s mental
and spiritual development.
Pengembangan Karir Career Development

Pengembangan karir pegawai mengikuti sistem career path. The career development of the employees follows the career path
Pergerakan karir dipandu oleh sistem DOS (Degree Of Similarity). system. Career movement is guided by the DOS system (Degree of
DOS merupakan metode perhitungan untuk menilai tingkat Similarity). DOS is a calculation method to assess the compatibility
kesesuaian kompetensi antarjabatan, yang selanjutnya menjadi of inter-position competence, which then becomes the parameter in
paramater dalam pergerakan karir pegawai, baik secara lateral the movement of an employee’s career, both laterally and vertically.
maupun vertikal. Tujuannya dalam rangka memaksimalkan The goal is to maximize Competency Based Human Resources
Competency Based Human Resources Management (CBHRM). Management (CBHRM).
Setiap pegawai memiliki peluang untuk mengembangkan karirnya Every employee has the opportunity to develop their career and
dengan diidentifikasi menggunakan metode assessment dan metode identified using the assessment method and other measurement
pengukuran lainnya terkait dengan Personal Strength (Potensi & methods related to Personal Strength (Potential & Talent), Adequacy
Bakat), Tingkat Kecukupan Kompetensi (Competency Fit), Hasil of Competency (Competency Fit), Performance and Work Experience.
Kinerja (Performance) dan Pengalaman Kerja. Hasil identifikasi The results of the above employee identification parameters and
140
pegawai atas paramater dan kriteria tersebut akan menjadi sumber criteria will be the source of data in the talent pool management and
data dalam pengelolaan talent pool dan pengembangan karir career development of each employee.
masing-masing pegawai.
Unit Penunjang Layanan SDM HR Services Support Unit

Untuk mendukung pengelolaan SDM yang baik, Divisi SDM saat ini To support good human resources management, the HR Division
telah menggunakan aplikasi Human Resource Information System currently uses the application Human Resource Information System
(HRIS) dalam pengelolaan pegawainya. Sistem ini dibuat semudah (HRIS) in the management of employees. This system was created as
mungkin agar dapat digunakan oleh pegawai, dimana dalam sistem easy as possible for the use of employees, where with this system,
ini pegawai dapat melakukan segala sesuatu dengan self service. employees can conduct self-services.
Introduction
Aplikasi HRIS tersebut nantinya dapat mengakomodasi berbagai The HRIS application will accommodate a wide range of matters
macam hal yang berhubungan dengan SDM, di antaranya jalur related to human resources, including career paths, performance
karir, penilaian kinerja, talent pool, dan lain sebagainya. Aplikasi appraisal, talent pool, and so forth. The application will continue to
ini akan terus dilakukan penyempurnaan sesuai dengan kebutuhan be improved in accordance with the needs of the management.
manajemen.
Performance
Kesempatan Kerja yang Sama Equal Employment Opportunities
Setiap pegawai mendapatkan kesempatan kerja yang sama. Terkait All employees have equal employment opportunities. Related to
dengan kenaikan jabatan, setiap pegawai yang telah memenuhi promotion, employees who have fulfill the requirements have
persyaratan memiliki hak yang sama untuk menduduki jabatan equal rights to occupy higher positions by taking into account the
yang lebih tinggi dengan memperhatikan kualifikasi kompetensi dan competence qualifications as well as experience, performance and
Good Corporate
Governance
pengalaman serta kinerja dan perilaku pegawai. behavior of the employees.
Kualifikasi pegawai untuk promosi ke tingkat yang lebih tinggi Qualifications for the promotion to higher levels are specified based on
ditetapkan berdasarkan parameter, kriteria, dan mekanisme clear and objective parameters, criteria, and assessment mechanism.
penilaian yang jelas dan objektif. Keputusannya menjadi wewenang The decision becomes the authority of the management.
manajemen.
Corporate Social
Responsibility
Biaya yang Dikeluarkan Costs Incurred
Biaya yang telah dikeluarkan oleh bank bjb terkait dengan Costs incurred by bank bjb related to HR management until the end
pengelolaan SDM hingga akhir tahun 2013 adalah sebesar Rp1,06 of 2013 reached Rp1.06 trillion.
triliun.
Penghasilan Berdasarkan Jabatan Position Based Income
Consolidated
Program kesejahteraan bagi karyawan terus ditingkatkan, seiring Employee welfare programs continue to increase, along with the
dengan pertumbuhan yang dicapai oleh bank. Penetapannya growth achieved by the Bank. The welfare programs were created
dilakukan berdasarkan analisa terhadap industri dan disesuaikan based on the industrial analysis and were tailored to the Company’s
dengan tingkat kemampuan Perseroan. capability.
Strategi Ketentuan Remunerasi Karyawan Strategies to Determine Employees Remuneration

Corporate Data
Strategi ketentuan remunerasi karyawan bank bjb saat ini diatur bank bjb’s strategies to determine employees remuneration is
dalam SK Direksi No. 645/SK/DIR-SDM/2013 tanggal 8 Oktober currently regulated in the BOD Decree No. 645/SK/DIR-SDM/2013
2013 tentang Perubahan Atas Surat Keputusan Direksi PT Bank dated October 8, 2013 on the Amendment to the Decree of the
Pembangunan Daerah Jawa Barat dan Banten Nomor 171/SK/DIR- BOD of PT Bank Pembangunan Daerah Jawa Barat dan Banten No.
SDM/2013 tentang Pedoman Pengelolaan Penghasilan dan Fasilitas 171/SK/DIR-SDM/2013 on the Guidelines for Income and Facility
Kepegawaian, dan SK Direksi No. 630/SK/DIR-SDM/2013 tanggal 10 Management of Personnel, and BOD Decree No. 630/SK/DIR-
Oktober 2013 tentang Pedoman Grading System dan Single Salary. SDM/2013 dated October 10, 2013 on the Guidelines of Grading
System and Single Salary.
141
Reward & Punishment Reward and Punishment

Reward diberikan sebagai bentuk penghargaan perusahaan kepada Reward is given as a token of appreciation for the dedication of the
pegawai atas dedikasi yang diberikan kepada perusahaan. Sistem employee to the Company. The reward system is established in order
reward disusun agar dapat memotivasi pegawai agar berkinerja lebih to motivate employees to perform better in the future.
baik lagi ke depannya.
Reward yang diberikan Perusahaan antara lain: Reward given by the Company Includes:
1. Penghargaan Masa Kerja, yang diperuntukkan terhadap Pegawai 1. Work Tenure Award, which is applied to employees with work
yang telah memiliki masa kerja 15 tahun dan 25 tahun serta period of 15 years and 25 years and meet certain criteria that
memenuhi kriteria tertentu yang telah ditetapkan diberikan have been established. This reward is the appreciation of the
reward tersebut, hal ini sebagai apresiasi dari perusahaan kepada Company to the employee for his service/ dedication over a
pegawai atas pengabdiannya/dedikasi yang diberikan selama certain time.
waktu tertentu. 2. Production Merit given to on employees upon their 1 year
2. Jasa Produksi diberikan atas kinerja pegawai selama 1 (satu) performance over the Company’s profit within 1 year.
tahun penuh atas laba perusahaan selama 1 tahun. 3. Employee’s Performance Achievement Index given three (3) times
3. Indeks Prestasi Kinerja pegawai yang diberikan 3 (tiga) kali dalam a year based on profits obtained by the Company in a particular
setahun berdasarkan laba yang diperoleh Perusahaan pada quarter.
triwulan tertentu.
Punishment diberikan kepada para pegawai yang telah melakukan Punishment is given to employees who have conducted fraud
fraud (kelalaian) dan penyimpangan aturan. Perbuatan yang secara (negligence) and violations towards the applicable rules. Actions
umum dikenakan Sanksi Administratif adalah perbuatan-perbuatan generally imposed to Administrative Sanctions are as follows:
sebagai berikut:
1. Dengan sengaja atau karena kelalaian melakukan perbuatan 1. Intentionally or negligently commits acts contrary to the rules
yang bertentangan dengan Peraturan dan ketentuan perundang- and regulations.
undangan. 2. Intentionally or negligently leave duties or obligations or do not
2. Dengan sengaja atau karena kelalaian meninggalkan tugas atau practice office/position mandates given to the employee.
kewajiban atau tidak melakukan perintah dinas/jabatan yang 3. Intentionally or negligently carries out duties or obligations
diberikan kepada Pegawai. without honesty, sincerity, conscientious or orderly.
3. Dengan sengaja atau karena kelalaian melaksanakan tugas atau 4. Intentionally or negligently carries out duties or obligations
kewajiban tanpa kejujuran, kesungguhan hati, teliti atau tertib. without regard to the principles of Good Corporate Governance
4. Dengan sengaja atau karena kelalaian melaksanakan tugas atau (GCG), prudence, risk mitigation and fairness (among others
kewajiban tanpa memperhatikan prinsip-prinsip Good Corporate related to limit, value and/or time) in the operational process.
Governance (GCG), kehati-hatian, mitigasi risiko dan kewajaran
(antara lain terkait limit, nilai dan/atau waktu) dalam proses
operasional.
Sedangkan perbuatan pegawai yang dikenakan tuntutan ganti Meanwhile the acts of an employee subjected to the claim for
kerugian adalah perbuatan-perbuatan sebagai berikut: damages are as follows:
1. Perbuatan Pegawai yang mengakibatkan kerugian Perseroan. 1. Personnel actions resulting in losses for the Company.
2. Pegawai bertanggungjawab atas kerugian Perseroan yang 2. Employees are responsible for bank bjb’s lossess caused by their
disebabkan karena perbuatannya sebagaimana dimaksud. actions as referred to number 1
Berdasarkan Surat Keputusan Direksi PT Bank Pembangunan Daerah Based on the Decree of the Board of Directors of PT Bank
Jawa Barat dan Banten, Tbk., No. 696/SK/DIR-SDM/2013 tanggal 7 Pembangunan Daerah Jawa Barat dan Banten Tbk No. 696/SK/DIR-
Oktober 2013 tentang Pedoman Sanksi Kepegawaian bahwa tingkat SDM/2013 dated October 7, 2013 on the Guidelines for Employment
dan jenis sanksi adalah sebagai berikut: Sanctions, the level and type of penalties are as follows:
1. Tingkat Sanksi Administratif Ringan, jenisnya terdiri dari: 1. Light Administrative Sanction, consisting:
a. Peringatan I. a. Warning I
b. Peringatan II. b. Warning II
142
c. Peringatan III. dan c. Warning III and
d. Pernyataan tidak puas. d. Unsatisfied Statement
2. Tingkat Sanksi Administratif Sedang, jenisnya terdiri dari: 2. Medium Administrative Sanctions, consisting:
a. Penundaan kenaikan gaji berkala untuk paling lama 1 (satu) a. Delay of periodic salary increase to a maximum of 1 (one)
tahun. year.
b. Penundaan kenaikan pangkat/grade paling lama 1 (satu) b. Delay of promotion to a maximum of 1 (one) year and
tahun. dan c. The decrease in salary of 1 (one) time of the periodic salary
c. Penurunan gaji sebesar 1 (satu) kali kenaikan gaji berkala increase for a maximum of 1 (one) year.
untuk paling lama 1 (satu) tahun.
Introduction
3. Tingkat Sanksi Administratif Berat, jenisnya terdiri dari: 3. Heavy Administrative Sanctions, consisting:
a. Penurunan pangkat/grade pada pangkat/grade yang a. Degradation to one level of lower grade/ rank.
setingkat lebih rendah. b. Degradation of Position.
b. Penurunan Jabatan. c. Honorable discharge as employee not upon employee’s own
c. Pemberhentian dengan hormat tidak atas permintaan sendiri request and
Performance
sebagai pegawai. dan d. Discharge without honor as employee not upon employee’s
d. Pemberhentian tidak dengan hormat tidak atas permintaan own request
sendiri sebagai pegawai.
Penerapan Reward & Punishment Serta The Application of Reward & Punishment and its
Ketentuannya Provisions
Good Corporate
Governance
Penerapan reward & punishment yang berlaku saat ini adalah bank bjb’s current implementation of reward and punishment is
dengan penilaian kinerja pegawai yang dilaksanakan oleh Bank related to the employee performance evaluation conducted by the
pada setiap triwulan selama 1 tahun. Reward & punishment ini akan Bank on a quarterly basis for 1 year. This reward and punishment will
berpengaruh terhadap insentif yang akan diterima oleh pegawai affect the incentives to be received by the employee within 1 year.
bersangkutan selama 1 tahun.
Corporate Social
Penilaian Kinerja (BSC dan KPI) Performance Assessment (BSC and KPI)
Responsibility
Strategi yang ditetapkan untuk pencapaian sasaran perusahaan harus Strategies set for the achievement of corporate goals should go
melalui sistem manajemen strategi yang baik, karena akan menjadi through good strategy management system because strategies
tolok ukur dari performa & kinerja perusahaan. Didalam menetapkan become the benchmark of the Company’s performance. In formulating
strategi, perusahaan harus memperhatikan sasaran (objective) strategies, the Company must pay attention to the predetermined
yang telah ditetapkan dan harus dapat terukur (measurable). Pada targets (objectives) and should be measurable. In general, the
umumnya bagian yang selalu diukur adalah bagian keuangan financial aspect has always become the aspect measured due to
Consolidated
karena berbicara mengenai angka, sesuatu hal yang mudah untuk its relations with numbers, an aspect easy to calculate and analyze.
dihitung dan dianalisa. Akan tetapi, dengan perkembangan ilmu However, with the development of knowledge in management and
manajemen dan kemajuan teknologi informasi, sistem pengukuran advances in information technology, the Company’s performance
kinerja perusahaan yang hanya mengandalkan aspek/perspektif measurement system which relies solely on the financial aspect/
keuangan dirasakan banyak memiliki kelemahan dan keterbatasan. perspective is perceived to be weak and limited, whereas infact
Sesungguhnya ada sebuah aspek/perspektif yang tidak kalah penting there is an aspect/perspective which is no less important and can
Corporate Data
dan dapat digunakan dalam mengukur kinerja perusahaan yaitu be used in measuring the performance of the Company, namely the
aspek/perspektif non keuangan. Kenyataan inilah yang menjadi awal non-financial aspect/perspective. This fact became the basis of the
terciptanya konsep Balanced Scorecard (BSC). creation of the concept of Balanced Scorecard (BSC).
Pengelolaan kinerja berbasis Balanced Scorecard, telah sampai Within the Balanced Scorecard-based performance management, the
tahapan mengatur mengenai penetapan pengelolaan kinerja, Company has reached the stages: setting performance management;
penyusunan dan perubahan peta strategi (Strategy Map), Key formulation and changes of Strategy Map, Key Performance Indicator
Performance Indicator (KPI), dan target, serta pelaporan pencapaian and targets; as well as quarterly performance achievement reporting
kinerja triwulanan dalam tahap monitoring dan evaluasi kinerja. in the phase of performance monitoring and evaluation.
143
bank bjb menggunakan empat standar perspektif BSC yaitu financial, bank bjb uses four BSC perspectives standards namely financial,
customer, internal business process, dan learning and growth. customer, internal/ business process, and learning and growth.
a. Perspektif financial a. Financial Perspective
BSC dibangun dari studi pengukuran kinerja di sektor bisnis, BSC is built from a study of performance measurement in the
sehingga yang dimaksud perspektif financial di sini adalah business sector, thus the financial perspective here is related to
terkait dengan financial sustainability. Perspektif ini digunakan financial sustainability. This perspective is used by shareholders in
oleh shareholder dalam rangka melakukan penilaian kinerja order to assess the performance of the organization. If narrated:
organisasi. Apabila dinarasikan akan berbunyi: ”organisasi “the organization must meet the expectations of shareholders to
harus memenuhi sebagaimana harapan shareholder agar dinilai be assessed as successful by the shareholders”
berhasil oleh shareholder”. b. Customer Perspective
b. Perspektif customer Customer perspective is the perspective to be customer-oriented
Perspektif customer adalah perspektif yang berorientasi pada because customers are the users of the products/ services
pelanggan karena merekalah pemakai produk/jasa yang produced by the organization. In other words, the organization
dihasilkan organisasi. Dengan kata lain, organisasi harus should pay attention to what the customer wants.
memperhatikan apa yang diinginkan oleh pelanggan. c. Internal/ Business Process Perspective
c. Perspektif internal/business process The Internal/ Business Process Perspective reflect the set of
Perspektif internal/business process adalah serangkaian aktivitas activities in the organization conducted to create products/
yang ada dalam organisasi untuk menciptakan produk/jasa services that meet customer expectations. This perspective
dalam rangka memenuhi harapan pelanggan. Perspektif ini describes the business processes managed to provide services
menjelaskan proses bisnis yang dikelola untuk memberikan and values to the stakeholders and customers.
layanan dan nilai-nilai kepada stakeholder dan customer. d. Learning and Growth Perspective
d. Perspektif learning & growth Learning and Growth Perspective is the perspective that illustrates
Perspektif learning & growth adalah perspektif yang the ability of the organization to create improvements and
menggambarkan kemampuan organisasi untuk melakukan changes by utilizing the internal resources of the organization.
perbaikan dan perubahan dengan memanfaatkan sumber daya The sustainability of the organization in the long run is very
internal organisasi. Kesinambungan suatu organisasi dalam dependent on this perspective.
jangka panjang sangat bergantung pada perspektif ini.
Pelaksanaan atau implementasi strategi dilakukan dengan cara The execution or implementation of the strategies is conducted by
menjalankan strategi inisiatif atau program kerja oleh masing-masing performing strategic initiatives or work programs by each working
unit kerja dan dibatasi dengan waktu pelaksanaannya selama periode units and is limited to a certain period of implementation time.
tertentu.

Agar pelaksanaan strategi dapat terlaksana dengan baik, maka In order for the strategies to be implemented well, after the Strategy
setelah peta strategi disusun selanjutnya perlu ditetapkan Key Map is formulated, the Key Performance Indicator (KPI) is determined
Performance Indicator (KPI) untuk setiap SO (Strategic Objective). for each Strategic Objective (SO). KPI is a set of main parameters
KPI merupakan seperangkat ukuran/parameter utama baik finansial of both financial and non-financial to measure the success of
maupun non finansial untuk mengukur keberhasilan pencapaian performance achievement and the success of strategy implementation
kinerja dan pelaksanaan strategi dalam mencapai sasaran di seluruh to achieve the targets in the entire working line/units.
lini/unit kerja.
KPI merupakan alat ukur bagi pencapaian SO (Strategic Objective). KPI is a measurement tool for the achievement of the Strategic
KPI dibedakan menjadi KPI lagging dan KPI leading. KPI lagging Objective. KPI is divided into KPI lagging and KPI leading. KPI lagging
adalah KPI yang bersifat outcome/output atau yang mengukur hasil, is the outcome/ output or outcome measure, which is generally
umumnya di luar kendali unit yang bersangkutan. KPI leading adalah beyond the control of the relevant unit. KPI leading is the process
KPI yang bersifat proses, yang mendorong pencapaian KPI lagging. which encourages the achievement of KPI lagging. Generally the
Umumnya KPI leading berada di bawah kendali unit organisasi. leading KPI is under the control of the related organizational unit.
144
Peran Jabatan Pemimpin Divisi SDM The Role of the Head of HR Division
• Merancang, melaksanakan dan mengawasi rencana strategis • Plan, implement and monitor the strategic plan for growth and
pelaksanaan pertumbuhan dan pengembangan SDM untuk human resources development in order to boost the business
mendorong kinerja bisnis di seluruh lini organisasi. performance across the entire organizational lines.
• Memimpin manajemen perubahan, rancangan organisasional • Lead change management, organizational plan and other
serta inisiatif transformasi lainnya. transformation initiatives.
• Mendorong kinerja bisnis melalui pengelolaan manpower • Improve business performance through effective and efficient
planning yang efektif dan efisien, pengelolaan kompensasi management of manpower planning, management of
dan benefit yang menarik dan dapat mempertahankan SDM, attractive compensation and benefits to maintain human
Introduction
pengelolaan kompetensi, pengelolaan kinerja individu, serta resources, competency management, management of individual
pengelolaan disiplin, perilaku, dan etika pegawai. performance, and management of discipline, behavior, and
• Mengembangkan strategi, kebijakan, dan praktek pengelolaan ethics of the employees.
sumber daya manusia (human capital) yang berlaku di seluruh • Develop strategies, policies, and practices of human resources
lini organisasi. management (human capital) that apply across the organizational
• Mendampingi dan memberikan konsultasi kepada pihak lines.

manajemen senior mengenai masalah-masalah kepegawaian • Guide and provide consultation to the senior management
Performance
(human capital). regarding staffing problems (human capital).
• Menyusun program kerja dan anggaran Divisi Sumber Daya • Formulate the work program and budget of the Human Resources
Manusia. Division.
• Mengelola pelaporan terkait dengan bidang kerja Divisi Sumber • Manage the reporting related to the field of work of the Human
Daya Manusia. Resources Division.
• Melakukan koordinasi dengan Dewan Komisaris, Direksi, • Coordinate with the Board of Commissioners, Board of Directors,
Good Corporate
Governance
Pemimpin Divisi/unit kerja, Pemimpin Wilayah dan Pemimpin Heads of Divisions/Working Units, Regional Heads and Heads of
Cabang. the Branch Offices.
• Menjadi juru bicara utama bagi Divisi Sumber Daya Manusia. • Become the leading spokesman for the Division of Human
Resources.
Tugas dan Tanggung Jawab Utama Pemimpin Divisi Main Duties and Responsibilities of the Head of
Corporate Social
SDM HR Division
Responsibility
• Mengembangkan dan menerapkan strategi pengembangan • Develop and implement the human resources development
SDM untuk mendorong kinerja bisnis. strategies in order to improve business performance.
• Menyusun strategi dan kebijakan pengelolaan SDM di perusahaan • Develop the strategies and polices of human resources
berdasarkan strategi jangka pendek dan jangka panjang yang management of the company based on the predetermined
telah ditetapkan sesuai dengan peraturan pemerintah yang short-term and long-term strategies according to the applicable
berlaku agar diperoleh SDM dengan kinerja, kapabilitas dan Government regulations in order to obtain human resources
Consolidated
kompetensi yang sesuai dengan yang diinginkan perusahaan. with performance, capabilities and competencies according to
• Mendesain, mengembangkan dan menerapkan inisiatif the Company’s desire.
pengembangan SDM, membantu Bank dalam mencapai posisi • Design, develop and implement human resources development
yang kompetitif di pasar. initiatives, assist the Bank in achieving a competitive position in
• Mengontrol dan memastikan pelaksanaan fungsi SDM di seluruh the market.
perusahaan sudah sesuai dengan strategi, kebijakan, sistem dan • Control and ensure whether the implementation of HR functions
Corporate Data
rencana kerja yang telah disusun. across the Company are in accordance with the predetermined
• Mengelola pencapaian tingkat efektivitas aktivitas operasional strategies, policies, system and work plans.
oleh sumber daya manusia yang ada, di seluruh lini organisasi • Manage the achievement of effectiveness within the operational
melalui kesepakatan Service Level Agreement (SLA) individual. activities conducted by the existing human resources across the
• Secara teratur mengkaji dampak dari kebijakan dan prosedur entire organizational lines through the individual Service Level
termasuk juga kinerja SLA. Agreement.
• Mengelola sistem manpower planning dan formasi SDM • Regularly assess the impacts of policies and procedures as well as
organisasi secara efisien dan efektif untuk menunjang strategi the performance of SLA.
bisnis perusahaan, termasuk diantaranya dalam mengevaluasi • Manage the manpower planning system and the formation
desain jabatan, perencanaan SDM, sistem rekrutmen & seleksi, of an efficient and effective human resources organization to
pengembangan kompetensi pegawai serta perencanaan suksesi support the Company’s business strategies, including evaluating
jabatan, di seluruh lini organisasi. the position design, human resources planning, recruitment
145
• Mengelola sistem pergerakan karir pegawai dalam and selection system, employee competency development and
rangka memenuhi manpower organisasi termasuk dalam position succession planning across the entire organizational
mengidentifikasi dan menarik kandidat yang memiliki potensi/ lines.
bakat terbaik. • Manage the employee career movement system in order to fulfill
• Mengelola dan mengevaluasi struktur penggajian dan fasilitas- organizational manpower including identifying and attracting
fasilitas kepegawaian termasuk pemberian reward/bonus, candidates with best potential/ talent.
program perlindungan kerja, program pensiun dan hari tua dan • Manage and evaluate the salary structure and employee facilities
proteksi kesehatan pegawai sesuai dengan kemampuan finansial including the provision of rewards/ bonus, labor protection
perusahaan, kondisi kebutuhan hidup layak berdasarkan programs, pension and retirement plans and employee health
perkembangan kondisi ekonomi dan perkembangan struktur protection in accordance with the Company’s financial ability,
remunerasi di industri terkait. decent living conditions based on the development of economic
• Mengelola pelaksanaan perhitungan kebutuhan SDM (stafing conditions and the development of the remuneration structure
model) berdasarkan metode analisa beban kerja (workload within the related industry.
analysis) dan/atau metode lainnya. • Manage the implementation of HR needs calculation (stafing
• Memastikan pemenuhan tenaga kerja organisasi secara tepat model) based on the workload analysis method and/or other
sesuai kebutuhan dalam hal jumlah maupun pemenuhan methods.
kualifikasi kompetensi. Menyusun kebijakan dan pengelolaan • Ensure the fulfilment of the Company’s HR needs appropriately
pegawai outsourcing serta memastikan kualifikasi kompetensi and as required in terms of quantity as well as the fulfillment
pegawai outsourcing yang ditempatkan. of competence qualifications. Formulate policies and manage
• Melakukan evaluasi dan pengendalian terkait perkembangan outsourced employees and ensure the fulfilment of competence
biaya sumber daya manusia. qualification of the outsourced employees.
• Melakukan evaluasi dan pengawasan atas pengelolaan • Evaluate and control costs related to human resources.
data administrasi personal kepegawaian dan sistem HRIS, • Evaluate and supervise the management of employee
serta mengawasi pelaporan regular atas pengelolaan SDM administration data and HRIS system, as well as monitor the
kepada pihak manajemen maupun institusi lain yang terkait management of regular reporting on the management of human
ketenagakerjaan. resources to the management or other relevant institutions
• Melakukan pembinaan terkait disipilin, perilaku dan etika pegawai related to employment.
serta menjadi fasilitator dalam hubungan perusahaan dengan • Conduct guidance related to the discipline, behaviour and
pegawai dan pihak ketiga berkenaan masalah kepegawaian. ethics of the employees as well as become the facilitator in the
• Melakukan evaluasi atas sistem pengelolaan kinerja individu Company’s relationship with the employees and third parties
pegawai dalam hal perencanaan kinerja, penilaian kinerja, regarding employment issues.
evaluasi kinerja dan pengembangan kinerja individu pegawai. • Conduct evaluation on the individual performance management
• Melakukan evaluasi atas sistem pengelolaan kompetensi pegawai, system of the employees in terms of performance planning,
yang meliputi pengukuran/asesmen kompetensi, pemetaaan performance assessment, performance evaluation and the
kompetensi, dan pengembangan kompetensi individu pegawai. development of individual performance of the employees.
• Mengelola dan mengevaluasi atas sistem pengelolaan karir • Conduct evaluation on the employee competency management
pegawai berdasarkan model dan hasil asesmen kompetensi serta system which includes the measurement/ assessment of
kinerja pegawai. competence, competency mapping, and individual competency
• Menselaraskan sistem pengelolaan karir pegawai dengan development.
pengelolaan promosi dan mutasi pegawai. • Manage and evaluate the employee career management system
• Membina hubungan dengan pihak ketiga terkait pengembangan based on the model and the competency assessment results as
pengelolaan SDM dan pemberian fasilitas kepegawaian termasuk well as employee performance.
dengan institusi konsultan SDM, dan penyelenggara program • Harmonize employee career management system with the
pensiun dan hari tua. management of employee promotion and mutation.
• Memberikan informasi yang dibutuhkan pihak manajemen • Foster relationships with third parties related to human resources
senior mengenai masalah tertentu yang signifikan dan beresiko development and the provision of employee facilities, including
bagi pencapaian tujuan, yang belum ditangani sepenuhnya di with institutional HR consultants, and organizer of the pension
tingkat manajerial. and retirement plan.
• Mengidentifikasi persyaratan hukum serta regulasi pemerintah • Provide the information needed by the senior management
dalam pelaporan, terkait fungsi SDM dan mengarahkan regarding certain significant issues that provides risks to the
penyusunan laporan yang dimaksud atau diminta sebagai bukti achievement of objectives, which have not been fully addressed
kepatuhan. at the managerial level.
146
• Bertindak sebagai pihak yang dihubungi pertama dalam hal • Identify legal and Government regulatory requirements in
ketenagakerjaan di perusahaan, serta saat berhubungan dengan reporting, related to the HR functions and direct the preparation
instansi tenaga kerja pemerintah. of the report in question or requested as proof of compliance.
• Melindungi kepentingan para pekerja dan perusahaan sesuai • Act as the party who is firstly contacted in respect to employment
dengan kebijakan SDM dan juga hukum serta aturan yang matters in the company, as well as when dealing with Government
berlaku dan mengkaji rekomendasi untuk pemutusan hubungan employment agencies.
kerja dan/atau pembelaan diri karyawan, melalui prosedur • Protect the interests of the workers and the Company in
pengajuan keluhan. accordance to the HR policies and the applicable laws and
• Menyusun, mengembangkan dan mengaplikasikan kebijakan regulations and review the recommendation for employment
dan/atau panduan untuk mendukung kelancaran proses termination and/or employee self-defense, through the complaint
Introduction
pengelolaan Divisi Sumber Daya Manusia. filling procedure.
• Mempersiapkan, mengkoordinasikan dan mengusulkan • Establish, develop and apply policies and/ or guidelines to support
program kerja Divisi Sumber Daya Manusia kepada Direktur the management of the Human Resources Division.
yang membidangi serta mengontrol penggunaan anggaran • Prepare, coordinate and propose the work programs of the HR
Divisi Sumber Daya Manusia agar sesuai dengan program kerja Division to the Director in charge as well as control the use of
tersebut. the Human Resources Division budget in order to conform to the
Performance
• Mengawasi, melatih, membimbing, mengembangkan dan work programs.
mengevaluasi kinerja para staf Divisi Sumber Daya Manusia • Supervise, train, guide, develop and evaluate the performance
dalam hal efektivitas kinerja. of the Human Resources Division staff in terms of performance
• Berperan aktif dalam Tim Manajemen Krisis (BCP) sesuai dengan effectiveness.
peran dan tanggung jawab sebagaimana tercantum di dalam • Actively participate in the Crisis Management Team (BCP)
Buku Manual/Panduan Manajemen Krisis. according to the roles and responsibilities as stated in the
Good Corporate
Governance
• Mengembangkan, mempertahankan lini kerja, dan memfasilitasi Manual/Crisis Management Guide.
komunikasi dengan Divisi lain, Kantor Wilayah, Kantor Cabang, • Develop, maintain line of work, and facilitate communication
dalam hal pelaksanaan berbagai pengelolaan kinerja dan aktivitas with other Divisions, Regional Offices, Branch Offices, in terms of
Divisi Sumber Daya Manusia. the implementation of performance management and activities
• Mengelola penerapan manajemen risiko di Divisi Sumber Daya of the Human Resources Division.
Manusia. • Manage the implementation of risk management in the Human
Corporate Social
• Melaksanakan prinsip kehati-hatian dan kepatuhan terhadap Resources Division.
Responsibility
Peraturan Bank Indonesia dan Peraturan Perundang-undangan, • Implement the principles of prudence and compliance to Bank
serta Peraturan Internal lainnya yang berlaku. Indonesia Regulations and the applicable Legislations, as well as
• Memastikan bahwa seluruh bidang kerja Divisi Sumber Daya other applicable Internal Rules.
Manusia telah sesuai dengan ketentuan yang berlaku. • Ensure that all work areas of the Human Resources Division are
• Mensosialisasikan ketentuan-ketentuan internal bank dan in accordance to the applicable regulations.
ketentuan lain yang berkaitan dengan ruang lingkup tugas di • Socialize the Bank’s internal rules and other provisions related to
Consolidated
lingkungan divisinya. the scope of work within the division.
• Menyediakan data/dokumen terkait dengan pemeriksaan • Provide data/documents related to internal and external
internal & Eksternal. examinations.
• Melakukan tindak lanjut temuan hasil pemeriksaan internal & • Conduct follow-up on the findings of the internal and external
eksternal. examination.
• Memberikan masukan yang menyangkut bidang tugasnya • Provide inputs related to the scope of work to the Supervisor.
Corporate Data
kepada atasan. • Carry out other tasks given by the Board of Directors.
• Melaksanakan tugas-tugas lain yang diberikan oleh Direksi.
Kewenangan Pemimpin SDM Authorities of the Head of HR Division

• Menandatangani Surat dan Dokumen lainnya yang berkaitan • Sign letters and other documents related to the tasks of the
dengan tugas Divisi sesuai batas kewenangan yang diberikan division within the limits of the authorities granted by the Board
oleh Direksi. of Directors.
• Mewakili Direksi dalam hubungan dengan pihak ekstern (Instansi • Acts as the representative of the Board of Directors in the relations
Pemerintah/Lembaga lainnya) dalam upaya pencapaian misi with external parties (Government Agencies/Institutions) in the
Divisi SDM secara optimal. efforts to achieve the mission of the Division of Human Resources
optimally.
147
• Melaksanakan penerimaan pegawai sesuai batas kewenangan • Conduct employee recruitment within the limits of the authorities
yang diberikan oleh Direksi. granted by the Board of Directors.
• Melaksanakan mutasi, rotasi dan demosi pegawai sesuai batas • Conduct employee mutation, rotation and demotion within the
kewenangan yang diberikan oleh Direksi. limits of the authorities granted by the Board of Directors.
• Menyelenggarakan assessment center untuk tenaga Pimpinan • Establish an assessment center for leaders in accordance to the
sesuai dengan batas kewenangan yang diberikan oleh Direksi. limits of the authorities granted by the Board of Directors.
• Menyelenggarakan konseling kepada pegawai tertentu sesuai • Perform counselling for certain employees in accordance to the
dengan batas kewenangan yang diberikan oleh Direksi. limits of the authorities granted by the Board of Directors.
• Menetapkan pembagian tugas serta penegakan disiplin kepada • Determine the division of tasks and enforce discipline to the
pejabat/pegawai yang menjadi tanggung jawab penyeliaannya. officials/employees within the scope of supervision.
• Memberikan Penilaian Kinerja terhadap Pejabat dan Pegawai • Provide Performance Evaluation of the subordinate employees
bawahannya. and officers.
• Menyampaikan rekomendasi untuk pengembangan Pejabat dan • Deliver recommendations for the development of subordinate
Pegawai bawahannya. employees and officers.
• Melakukan Persetujuan/Keputusan sesuai dengan Kebijakan • Establish Agreement/Decision according to the policies and/or
Kewenangan dan/atau Keputusan/Kebijakan Direksi. decisions of the Board of Directors.
• Memantau serta mengendalikan penerapan manajemen risiko • Monitor and control risk management in the field of Human
bidang Sumber Daya Manusia. Resources.
• Melakukan koordinasi dengan Bank Indonesia dan instansi lain • Coordinate with Bank Indonesia and other relevant agencies in
yang terkait dalam rangka pengelolaan tugas Divisi. order to manage the division of tasks.
• Memberikan pembinaan dan sosialisasi kepada Kantor Wilayah • Provide guidance and socialization to the Regional Offices and
dan Kantor Cabang dalam lingkup Sumber Daya Manusia. the Branch Offices within the scope of Human Resources.
Kewenangan Pemimpin Grup Pengembangan Authorities of the HR Development Group Leader

SDM
Melaksanakan kegiatan identifikasi, perencanaan, seleksi, Conduct identification, planning, selection, recruitment, placement
rekrutmen, penempatan dan pengembangan SDM guna menunjang and human resources development to support the business activities
kegiatan bisnis dan operasional dan memastikan perencanaan dan and operations and ensure that human resources planning and
pengembangan SDM dilakukan dengan baik, sesuai dengan jumlah development are conducted well according to the quantity and
dan kompetensi yang dibutuhkan. competencies required.
Tugas Pemimpin Grup Assessment Center SDM Task of the HR Assessment Center Group Leader
Melaksanakan kegiatan identifikasi, perencanaan, implementasi Conduct the identification, planning and implementation of the
program assessment kompetensi dan penilaian kinerja serta competency assessment program as well as the performance
pergerakan karir pegawai guna menunjang kegiatan bisnis dan assessment and employee career movement in order to support
operasional dan memastikan perencanaan dan pengembangan SDM business activities and operations and ensure the planning and
sesuai dengan kompetensi yang dibutuhkan. development of human resources are in line with the required
competencies.
Tugas Pemimpin Grup Administrasi SDM Task of the HR Administration Group Leader
Melaksanakan kegiatan identifikasi, perencanaan dan implementasi Conduct the identification, planning and implementation of
kebijakan kompensasi (gaji, penghargaan, fasilitas dan tunjangan compensation policies (salary, awards, allowances and benefits, as
serta pemberian insentif/bonus), hubungan kepegawaian, pemutusan well as the provision of incentives/bonuses), employee relations,
hubungan kerja, Human Resources Information System (HRIS), dan termination of employment, Human Resources Information
memastikan kebijakan-kebijakan tersebut sesuai dengan peraturan System (HRIS), and ensure the policies are in line with applicable
perundang-undangan yang berlaku. legislations.
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Rencana Pengembangan SDM HR Development Plan
Implementasi & penyempurnaan pedoman SDM secara Below describes the on going implementation and completion of HR
berkesinambungan sebagai berikut: guidelines:
• Pelaksanaan rekrutmen dilakukan melalui website secara online • Recruitment is conducted through the online website and is
dan terintegrasi langsung dengan Human Resource Information directly integrated with the Human Resource Information System
System (HRIS). (HRIS).
• Pelaksanaan rekrutmen Calon Pegawai bank bjb (fresh graduate • Recruitment of potential employees (fresh graduates as well
maupun berpengalaman) melalui jasa konsultan di seluruh as experienced) is conducted through consultant in all areas of
wilayah kerja bank bjb. operations of bank bjb.
Introduction
• Pelaksanaan rekrutmen Calon Tenaga Pimpinan melalui program • Recruitment of potential leaders is conducted through the Officer
(Officer Development Program) ODP. Development Program (ODP) program.
• Integrasi pelaksanaan proses penempatan pegawai dan • The implementation of placements and mutation of employees
mutasi (promosi, rotasi, dan demosi) dengan Human Resource (promotion, rotation, and demotion) are integrated with the
Information System (HRIS). Human Resource Information System (HRIS).
• Pengelolaan Jalur Karir (Career Path) berbasis kompetensi. • Career Path management based on competencies.

• Sistem kepangkatan (Grading & Single Salary) untuk Account • Grading & Single Salary System for Account Officer (AO).
Performance
Officer (AO). • Development of Human Resource Information System (HRIS) for
• Pengembangan Human Resource Information System (HRIS) the Balanced Score Card (BSC)/ Employee Individual Performance
untuk Balanced Score Card (BSC)/Penilaian Kinerja Individu Evaluation.
pegawai.
Good Corporate
Governance
Corporate Social
Responsibility
Consolidated
Corporate Data
149
Teknologi Informasi Information Technology
Teknologi
Informasi
Information Technology
Tata Kelola Teknologi Informasi Information Technology Governance

Kesiapan suatu sistem harus ditunjang dengan tata kelola Readiness of a system of must be supported by good information
penyelenggaraan teknologi informasi yang baik. Pengembangan technology governance. Application development, testing and
aplikasi, pengujian dan implementasi suatu sistem baru telah tertata implementation of a new system was structured in accordance to
sesuai dengan prosedur, standar operasional dan kebijakan yang the procedures, operational standards and continuously enhanced
terus menerus disempurnakan dengan berpedoman pada ketentuan policies based on the provisions of the regulators and generally
dari pihak regulator dan best practices yang berlaku umum. accepted best practices.
Penyempurnaan infrastruktur teknologi informasi terus Improvements on information technology infrastructure continue
dilakukan sesuai IT Strategic Planning agar dapat mengantisipasi to be conducted according to the IT Strategic Planning in order to
perkembangan kebutuhan bisnis yang terus berkembang. anticipate the evolving business needs.
Sistem Informasi Manajemen Bank khususnya terkait Sistem The Bank’s Management Information System, especially related to
Pelaporan Internal Bank terus dikembangkan agar mampu the Bank’s Internal Reporting System continues to be developed in
menyediakan data dan informasi dengan tepat waktu, akurat, order to provide data and information in a timely, accurate, complete
lengkap dan handal serta efektif untuk pengambilan keputusan and reliable manner as well as for effective management decision
manajemen making.
Terhadap operasional sistem yang telah diimplementasikan, Monitoring and review to the operational system implemented are
dilakukan monitoring dan review secara berkala dan dilakukan conducted periodically and refinements are performed in accordance
penyempurnaan sesuai dengan kebutuhan pengguna untuk with the needs of the users to ensure the quality and satisfaction of
menjamin kualitas dan kepuasan pengguna terhadap sistem the users of the system.
tersebut.
Perubahan struktur organisasi bank bjb dilakukan secara Changes in the organizational structure of the bank bjb as a whole
keseluruhan mengikuti kondisi perusahaan serta mendukung was performed in accordance to the conditions of the Company and
perkembangan dan kebutuhan bisnis bank secara umum, telah has supported the development and needs of the Bank’s business
diantisipasi melalui penyesuaian layanan operasional sistem in general, and was anticipated by adjusting operational services
informasi untuk mengakomodir dan mendukung seluruh information system to accommodate and support the entire needs
kebutuhan pada jaringan bisnis bank bjb. of the business network of bank bjb.
150
Introduction
Performance
Good Corporate
Governance
Corporate Social
Responsibility
Investasi di Bidang Teknologi Informasi Investments in Information Technology
Pesatnya kemajuan teknologi dewasa ini menuntut Perseroan untuk The rapid advancement of technology nowadays requires the
terus memperhatikan perkembangan sistem Teknologi Informasi yang Company to continue to pay attention to the development of
selaras dengan kebutuhan bisnis dan sejalan dengan visi bank bjb information technology system according to the business needs and
Consolidated
untuk menjadi 10 Bank Terbesar di Indonesia. Dukungan teknologi in line with the bank bjb’s vision to be one of the 10 Largest Banks in
Informasi pada perusahaan dilakukan untuk mencapai tujuan Indonesia. Information technology supports the Company to achieve
bisnis Perusahaan. Oleh karena itu, di samping tetap fokus pada the business objectives of the Company. Therefore, in addition to
pemberian layanan yang efektif, aman, dan terpercaya, beberapa remain focused on the delivery of effective, safe, and reliable services,
rencana strategi teknologi Informasi di tahun 2013 difokuskan pada several information technology strategic plan in 2013 was focused
peningkatan performance dan availability system sehingga dapat to improve the performance and availability of the system so as to
Corporate Data
mendukung kelancaran operasional bisnis bank. support the Bank’s business operations.
Investasi TI pada tahun 2013 berfokus pada penyempurnaan IT investment in 2013 focused on the improvement of infrastructure
infrastruktur dan kebutuhan pengguna sesuai dengan rencana and user needs in accordance to the IT strategic plan previously
strategis TI yang telah ditetapkan. Penyempurnaan core Banking determined. Completion of the core banking system, and the
system, penambahan electronic channel baru dan fiturnya merupakan addition of new electronic channel and its features became the focus
fokus pengembangan aplikasi. of the development of application.
Penambahan kapasitas server, storage dan jaringan komunikasi, The addition of server capacity, storage and communication
merupakan fokus pengembangan infrastruktur termasuk memperkuat network became the focus of infrastructure development including
sistem pengamanan aplikasi dengan teknologi yang update. strengthening security system with an updated technology
application.
151
Beberapa project telah dilakukan terkait dengan kebijakan Several projects have been conducted related to the policy of
pemerintah daerah dalam peningkatan pendapatan melalui the local government to increase revenue through local taxes,
pajak daerah, pemenuhan ketentuan dari pihak Regulator terkait compliance to the regulation set by relevant regulator related to
transaksi elektronik, peningkatan layanan kepada nasabah melalui electronic transactions, improve services to the customers through
penyempurnaan sistem frontliner dan perluasan jaringan e-channel the improvement of the front liner system and expansion of the
melalui internet banking dan SMS banking. e-channel network via internet banking and SMS banking.
Pengembangan Teknologi Informasi bank bjb Development of Information Technology of bank

Selama Tahun 2013 bjb in 2013
Selain menjalankan operasional teknologi informasi serta menjaga In addition to running the information technology operations and
performansi aplikasi agar layanan perbankan selalu dapat berjalan maintain the performance of the applications so that banking
baik dan lancar, divisi Teknologi Informasi tetap melakukan services can always run smoothly, the Information Technology division
pengembangan dan penyempurnaan sistem aplikasi untuk melayani conducts developments and improvements on the application system
kebutuhan bisnis yang selalu berkembang secara dinamis. in order to serve the dynamically evolving business needs.
Penambahan fitur core banking, penambahan fitur ATM dan Additional core banking features, additional features for ATM and
penambahan electronic channel baru seperti SMS Banking, Internet additional new electronic channels such as SMS Banking, Internet
Banking, Cash Management System (CMS) dan EDC serta Aplikasi Banking, Cash Management System (CMS) and EDC as well as other
lain yang terkait dengan regulasi seperti RTGS, MPN, AML dan SKN applications associated with regulations like RTGS, MPN, AML and
merupakan bentuk pengembangan yang dilakukan Divisi Teknologi SKN are the forms of development carried out by the Information
Informasi sepanjang tahun 2013. Lebih dari 80 aplikasi lain yang Technology Division throughout the year 2013. More than 80 other
telah dikembangkan dan telah di-deliver kepada unit bisnis untuk applications have been developed and have been delivered to the
diimplementasikan. business units for implementation.
Perkembangan Struktur dan Sumber Daya Manusia Development of Structure and Human Resources
di Bidang Teknologi Informasi Tahun 2013 in Information Technology in 2013
Dalam rangka meningkatkan layanan Teknologi Informasi di In order to improve bank bjb’s services in Information Technology that
lingkungan bank bjb yang selaras dengan kebutuhan bisnis serta are aligned with the business needs and based on the IT Governance
berpedoman pada standar IT Governance best practice, misalnya best practice standards, such as COBIT and ITIL, the organizational
COBIT & ITIL maka struktur organisasi Divisi Teknologi Informasi structure of the Information Technology division continued to be
terus dilakukan penyesuaian agar selaras dengan perkembangan adjusted in order to be aligned with the development bank bjb’s
organisasi bank bjb secara keseluruhan. organization as a whole.
Struktur organisasi tersebut mencakup seluruh proses TI yang The organizational structure covers the entire IT processes that
mendukung kebutuhan bisnis dan compliance secara lengkap serta completely support the business and compliance requirements and
dapat dijalankan sesuai dengan IT governance yang baik, responsive was able to be implemented according to good IT governance, was
terhadap setiap masalah operasional dan selalu berperan aktif dalam responsive to all operational problems and played an active role in
menghasilkan layanan teknologi informasi yang sesuai kebutuhan generating appropriate information technology services according to
bisnis. the business needs.
152
Struktur Organisasi Divisi Teknologi Informasi
Organization Structure Information Technology Division
Direktur Operasi
OPERATIONS DIRECTOR
Divisi teknologi informasi

pemimpin divisi
Information Technology
Division
Introduction
HEAD Division
Grup Strategic & Planning Grup Core Banking Grup Head Office Grup Liason & Project
Governance Application Application Management
Pemimpin Grup Pemimpin Grup Pemimpin Grup Pemimpin Grup
Group Leader Group Leader Group Leader Group Leader
Performance
Manager/Officer Manager/Officer Manager/Officer Manager/Officer
Staff Staff Staff Staff
Grup Switching & Grup System & Network Grup QA & Security Grup Helpdesk & DC
Interchanel Management Management Operation
Pemimpin Grup Pemimpin Grup Pemimpin Grup Pemimpin Grup

Group Leader Group Leader Group Leader Group Leader
Good Corporate
Governance
Manager/Officer Manager/Officer Manager/Officer Manager/Officer
Staff Staff Staff Staff
Selain itu untuk meningkatkan kompetensi masing-masing personil Moreover, in order to enhance the competence of each personnel of
Corporate Social
divisi Teknologi Informasi dilakukan dengan melalui pelatihan- the Information Technology division, internal and external trainings
Responsibility
pelatihan yang diselenggarakan internal maupun eksternal baik di were conducted both inside and outside the country.
dalam dan luar negeri.
Langkah Strategis di Bidang Teknologi Informasi Strategic Measures in Information Technology

Sepanjang Tahun 2013 Throughout the Year 2013
Perubahan di Marketplace dan society serta ekspektasi dari The Bank was required to change our direction towards digital
Consolidated
customer dan business partner untuk solusi yang lebih cepat, banking or services that are performed with the support of
perubahan regulasi, pengaruh globalisasi dan efisiensi menuntut Information Technology due to the changes within the Marketplace
perbankan untuk berubah ke arah digital banking atau layanan- and the society as well as the expectations of customers and business
layanan yang dijalankan dengan dukungan Teknologi Informasi. partners for a faster solution, regulatory changes, the impact of
Sebagai konsekuensi dari perubahan ini adalah semakin tingginya globalization and efficiency. As a consequence of these changes is
tuntutan dukungan Teknologi Informasi dalam menjalankan bisnis the increasing demand of Information Technology support to run
Corporate Data
perbankan masa depan, termasuk mengantisipasi perluasan fungsi the banking business in the future, including the anticipation for
perbankan seperti yang disebut sebagai universal banking serta the expansion of banking functions such as the so-called universal
dapat menjangkau calon nasabah yang masih unbankable. banking and the ability to reach potential customers that are still
un-bankable.
Dalam rangka merealisasikan Rencana Strategis Teknologi Informasi In order to realize bank bjb’s 2013 Information Technology Strategic
bank bjb tahun 2013, maka telah dilakukan langkah-langkah Plan, the following strategic steps has been performed:
strategis sebagai berikut: 1. Complete the IT infrastructure in accordance to a predetermined
1. Melengkapi infrastrutur TI sesuai dengan arsitektur infrastruktur infrastructure architecture;
yang telah ditetapkan; 2. Complement and improve the applications as set out in the
2. Melengkapi dan menyempurnakan aplikasi seperti yang telah application architecture;
ditetapkan dalam arsitektur aplikasi;
153
3. Melengkapi dan menyempurnakan perangkat jaringan dan 3. Complement and enhance the network devices and IT security in
keamanan TI sesuai dengan arsitektur security dan infrastruktur. accordance to the security and infrastructure architecture.
Langkah-langkah strategis ini akan terus dilakukan secara These strategic measures will continue to be sustained from year
berkelanjutan dari tahun ke tahun. to year.
4. Pengungkapan Mengenai Mitra Bisnis yang Mendukung Divisi 4. Disclosure of the Business Partners Supporting the IT Division
TI
Dalam menjalankan fungsi operasional infrastruktur Teknologi In carrying out the functions to run the operational infrastructure,
Informasi didukung oleh mitra bisnis yang terpercaya. Mitra bisnis Information Technology is supported by reliable business partners.
Infrastruktur Teknologi Informasi memiliki perannya masing-masing The Information Technology Infrastructure business partners
dalam mendukung operasional Teknologi Informasi yang terdiri dari have their own role in supporting the Information Technology
layanan jaringan komunikasi, infrastruktur hardware, core banking, operations consisting of communication network services, hardware
dan sistem aplikasi lainnya guna memastikan layanan operasional infrastructure, core banking, and other application systems to ensure
Teknologi Informasi dapat berfungsi sebagaimana mestinya serta operational services of the Information Technology are functioning
melakukan pengembangan-pengembangan Teknologi Informasi properly and perform developments in Information Technology in
untuk mendukung strategi bisnis Perseroan. order to support the Bank’s business strategy.
Mitra bisnis tersebut antara lain: The Business partners are:

a. Dalam mendukung operasional terkait transaksi nasabah a. To support the operations related to customer transactions
melalui ATM, bank bjb bekerja sama dengan Artajasa, Prima via ATM, bank bjb works with Artajasa, Prima so customers
sehingga nasabah dapat bertransaksi di ATM lain selain ATM can transact at an ATM other than the bank bjb’s ATM.
milik bank bjb. b. To complete the features of the electronic channel, bjb
b. Dalam melengkapi fitur electronic channel bank bjb works with several business partners related to payment
bekerjasama dengan beberapa mitra bisnis terkait transaksi transactions include Telkom, PLN, PDAM, Indosat, XL, etc.
pembayaran antara lain Telkom, PLN, PDAM, Indosat, XL c. To support “real time on line” banking services, bjb is
dll. supported by Network providers such as Lintas Arta, Telkom,
c. Untuk mendukung layanan perbankan yang “real time on XL, Icon +, and Jabar Telematika.
line” bank bjb didukung oleh Network provider yaitu Lintas d. bank bjb also works with several universities to serve the
Arta, Telkom, XL, Icon+, dan Jabar Telematika. payments of its students.
d. bank bjb juga bekerjasama dengan beberapa perguruan e. In order to support the local government services for tax
tinggi untuk melayani pembayaran bagi mahasiswanya. payment, bank bjb works with the local government to
e. Dalam rangka mendukung program layanan pemerintah develop the local tax payment system.
daerah untuk pembayaran pajak, bank bjb bekerjasama
dengan pihak pemda dalam mengembangkan sistem
pembayaran pajak daerah tersebut.
Implementasi Investasi Teknologi Informasi Information Technology Investments in 2013

Sepanjang Tahun 2013
Proyek Divisi Teknologi Informasi telah disampaikan dalam Rencana The Division of Information Technology presented their projects in
Bisnis Bank (RBB) pada awal tahun dan merupakan implementasi the Bank’s Business Plan at the beginning of the year. The projects
dari Rencana Strategis Teknologi Informasi yang senantiasa selaras reflected the implementations of the Information Technology
dengan Strategi Bisnis Perseroan sehingga tujuan bisnis dapat Strategic Plan which were aligned with bank bjb’s Business Strategies
tercapai. Untuk menjawab ketersediaan sistem teknologi informasi thus business objectives was able to be achieved. To answer the
yang aman, cepat, handal dan selaras dengan kebutuhan bisnis, availability of a secure, fast, and reliable information technology
bank bjb memperkuat infrastruktur teknologi informasi baik itu system which is aligned with business needs, bank bjb strengthened
dari sisi aplikasi, perangkat infrastruktur, jaringan komunikasi dan the information technology infrastructure in terms of applications,
pengamanan informasi dengan melakukan penambahan dan/atau infrastructure device, and communication network and information
perubahan didalamnya. Untuk memastikan kelancaran operasional security by providing additional and/ or conduct changes. To ensure
secara berkelanjutan kami juga lakukan penyempurnaan pada smooth operations on an ongoing basis we conducted improvements
Kebijakan dan Prosedur bidang Teknologi Informasi yang sejalan on the Policies and Procedures on Information Technology in line with
dengan strategi, hukum, regulasi dan bisnis Perseroan. the strategy, legal, regulatory and business of Company.
154
Langkah-Langkah Pengendalian Risiko Operasional Operational Risk Control Measures in Information
di Bidang Teknologi Informasi Sepanjang Tahun Technology Throughout the Year 2013
2013
Dalam melakukan pengendalian risiko operasional di bank bjb Operational risks including the risks of Information Technology usage
termasuk risiko penggunaan Teknologi Informasi didalamnya, are controlled comprehensively and continuously. Moreover, specific
dilakukan secara komprehensif dan berkelanjutan. Selain itu functions such as information security function and the function
untuk fungsi tertentu seperti fungsi pengamanan informasi dan of Business Continuity Plan (BCP) are implemented and monitored
fungsi Business Continuity Plan (BCP) dilaksanakan dan dipantau as closely as possible to prevent (preventive controls ) in addition
semaksimal mungkin untuk mencegah (preventive controls) to detecting and make corrections on the risks that may or have
Introduction
disamping mendeteksi dan melakukan koreksi atas risiko yang occurred.
mungkin atau telah terjadi.
Pedoman pelaksanaan pengendalian risiko operasional yang The implementation of operational risk management was conducted
berlaku adalah dokumen Business Continuity Plan (BCP) dan based on the Business Continuity Plan (BCP) and Disaster Recovery
Disaster Recovery Planning (DRP) yang juga didukung oleh sejumlah Planning (DRP), which was also supported by a number of policies

kebijakan dan prosedur untuk operasional teknologi informasi and procedures for the operations of information technology in
Performance
di lingkungan Perseroan. Selain itu didukung pula dengan beberapa bank bjb. In addition, several monitoring applications to monitor
aplikasi monitoring untuk memantau performansi system dan the performance of the system and the communication network
jaringan komunikasi sehingga kegagalan sistem dan jaringan also supported the operational risk management, thus failure of the
komunikasi dapat diatasi pada kesempatan pertama. system and the communication network was able to be addressed
as soon as possible.
Good Corporate
Governance
Dalam rangka menjalankan fungsi BCP dan DRP telah dilakukan In order to carry out the functions of BCP and DRP, disaster
ujicoba operasional disaster and recovery center (DRC) secara rutin operational and disaster recovery center (DRC) testing were carried
yang melibatkan beberapa divisi terkait khususnya untuk mission out periodically involving several relevant divisions, especially for the
critical applications yang telah didefinisikan dalam dokumen BCP critical applications mission that are defined in the BCP document
bank bjb. of bank bjb.
Corporate Social
Responsibility
Consolidated
Corporate Data
155
Tinjauan
Tinjauan Keuangan
Keuangan Financial Review
FINANCIAL Review
Tinjauan
Keuangan
Financial Review

Situasi Makro Macro Situation
Kondisi makroekonomi di dalam negeri maupun kawasan regional The domestic, regional, and global macroeconomic conditions are
dan global sepanjang tahun 2013 masih mengalami perlambanan, still experiencing a slowdown in 2013, despite signs of recovery in
walaupun tanda-tanda pemulihan di negara maju seperti Amerika developed countries such as the United States began to appear.
Serikat mulai tampak. Namun, imbas krisis keuangan yang terjadi However, the impact of the financial crisis that occurred five years
lima tahun silam masih menyisakan hambatan bagi pertumbuhan ago is still leaving obstacles to the global, regional, and national
perekonomian, baik di tingkat global, regional, maupun nasional. economic growth.
Introduction
Kondisi tersebut telah memicu penurunan ekspor Indonesia. These conditions have triggered a decline in exports of Indonesia.
Jika melihat dari data ekspor bulanan Badan Pusat Statistik (BPS), By observing the monthly export data of the Central Statistics
penurunan mulai terjadi sejak akhir 2012. Mulai akhir 2013, Agency (BPS), the decline began in the late 2012. Beginning in late
ekspektasi pemulihan ekspor Indonesia mulai tampak. 2013, Indonesia’s exports recovery expectations began to appear.
Menjelang tutup tahun 2012 dan memasuki tahun 2013, nilai ekspor Towards the closing of 2012 and coming into 2013, the monthly
Indonesia secara bulanan menurun tajam, dari US$16,3 miliar pada value of Indonesian exports declined sharply, from US$ 16.3 billion in
Performance
November 2012, menjadi US$1,6 miliar pada Desember. Sedangkan November 2012, to US$ 1.6 billion in December. While for the same
tahun 2013 untuk periode yang sama, mulai mengalami peningkatan period in 2013, an increase of 6.5% was experienced.
sebesar 6,5%.
Laju Pertumbuhan Ekspor Bulanan 2012-2013 Monthly Export Growth Rate 2012-2013
Good Corporate
Governance
20,00% 2012 2013
0,00%
-20,00%
ar
ov
ei
pr
gt
es
b
kt
n
n
Se
Fe
Ju
Ju
Ja
M
A
D
O
-40,00%
-60,00%
Corporate Social
Responsibility
-80,00%
Sumber Data: BPS
-100,00% Source Data: BPS
Kendati demikian, pada tahun 2013, perekonomian global juga Nevertheless, in 2013, the global economy is also characterized by
diwarnai oleh isu tapering off atau penurunan jumlah stimulus the issue of tapering off or a decrease in the amount of monetary
Consolidated
moneter di Amerika Serikat. Hal ini berpotensi terjadinya pengetatan stimulus in the United States. This has the potential of the tightening
likuiditas dolar Amerika, yang berujung pada penguatan nilai tukar U.S. dollar liquidity, which led to the strengthening of the currency’s
mata uang tersebut. Ekspektasi ini membuat para investor melakukan exchange rate. These expectations make investors withdraw massive
penarikan dana besar-besaran dari kawasan Emerging Market. funding from the Emerging Market regions.
Di antara negara-negara Emerging Market, Indonesia dan India Among the emerging market countries, Indonesia and India are
Corporate Data
tercatat sebagai negara paling rentan terhadap arus modal keluar. countries that are most vulnerable to capital outflow. Throughout
Sepanjang tahun itu, dana yang keluar khusus dari Emerging Market the year, funds outflow from the Emerging Market was estimated to
diperkirakan mencapai US$29,2 miliar. reach US$29.2 billion.
Tekanan terbesar bagi Indonesia terjadi sejak memasuki semester The largest pressure for Indonesia occurred since the second half of
kedua tahun 2013. Kondisi ini memberikan tekanan bagi nilai tukar 2013. These conditions put pressure on the rupiah exchange rate.
rupiah. Jika pada awal 2013 nilai tukar rupiah masih ada di kisaran If in early 2013 the exchange rate was still in the range of Rp9,000
Rp9.000 per dolar Amerika, hingga tutup tahun sudah di atas per U.S. dollar, at the closing the year have reached over Rp12,000
Rp12.000 per dolar. per dollar.
157
Tinjauan Industri
Keuangan Industry
FINANCIAL
Review
Review
Pertumbuhan Arus Modal (Capital Flow) Ke Asia Timur Growth of Capital Flow to East Asia and Pacific
dan Fasifik
120%
100%
80%
60%
40%
Sumber: Bank Dunia
20% Source: World Bank
0%
2009 2010 2011 2012 2013
-20%
Menyikapi situasi ini, Bank Indonesia, di antaranya merespons Responding to this situation, Bank Indonesia, among others
dengan kenaikan suku bunga acuan BI rate. Sepanjang tahun 2013, responded with BI rate hike. Throughout 2013, the interest rates
sudah lima kali suku bunga tersebut naik, sampai pada akhirnya ada went up 5 times, lastly at the level of 7.5%.
di level 7,5%.
Sementara pada tahun yang sama, pemerintah juga mengeluarkan While in the same year, the government also issued a fiscal policy to
kebijakan fiskal demi meredam defisit anggaran, yaitu melalui curb the budget deficit, namely through the reduction on fuel (BBM).
pengurangan subsidi terhadap bahan bakar minyak (BBM). Kebijakan This policy affected directly to the price of fuel (BBM), subsequently
ini langsung berdampak terhadap kenaikan harga BBM, yang pada responded by the transportation industry by an increase in service
akhirnya direspons oleh industri transportasi dengan kenaikan fees. As a result, the inflation througout 2013 increased compared
biaya jasa. Akibatnya, inflasi sepanjang tahun 2013 meningkat to the previous year, to 8.4%.
dibandingkan tahun sebelumnya, menjadi 8,4%.
Bauran kebijakan makro yang tepat dan respons kebijakan Accurate mix of macro policies and prompt government policy
pemerintah yang cepat telah membuat kondisi makroekonomi response have improved the Indonesian macroeconomic conditions
Indonesia membaik di akhir tahun 2013. Hal itu ditandai dengan at the end of 2013. This was characterized by a reduced current
berkurangnya defisit neraca berjalan dan meningkatnya cadangan account deficit and an increase in foreign exchange reserves. In
devisa. Selain itu, Indonesia juga mampu menekan potensi terjadinya addition, Indonesia is also able to suppress the potentials for further
kontraksi pertumbuhan ekonomi yang semakin dalam, walaupun contractions in economic growth, although there was a decrease
terjadi penurunan dibandingkan tahun sebelumnya. compared to the previous year.
Pertumbuhan GDP Tahunan Annual GDP Growth
10,7
9,8
8,9
8,3 7,9
7,3 7,7
6,5 6,1
6,9 5,7
6,0 4,7
5,4 4,7
3,1
2,0 2,0 2,7
-0,5
2009 2010 2011 2012 2013
Sumber Data: Publikasi Bank Indonesia

Amerika Serikat Indonesia China India
Source Data: Publication of Bank Indonesia
Kondisi makro yang terjadi sepanjang tahun ini, harus diakui The macro conditions that occured throughout the year, must be
memberikan tekanan terhadap industri keuangan berupa peningkatan admitted to put pressure on the financial industry in the form of
risiko. Kendati demikian, secara umum, daya tahan industri keuangan increased risks. However, in general, the durability of the financial
termasuk di dalamnya perbankan, bisa dikatakan masih kuat. Hal industry including banking, can be considered to remain strong. This
itu ditunjukan melalui indeks stabilitas sistem keuangan (ISSK) yang was demonstrated by the financial system stability index (ISSK) which
masih berada di garis normal. is still in the normal line.
158
Secara keseluruhan, industri perbankan masih memegang peranan Overall, the banking industry still plays a role in the Indonesian
dalam sistem keuangan Indonesia. Pangsa pasarnya hingga semester financial system. Its market share in the first semester of 2013, the
I tahun 2013, data BI menyebutkan, masih 77,9% atau menurun data BI stated, was still at 77.9% or slightly decreasing compared to
tipis dibandingkan periode yang sama tahun lalu. the same period in the previous year.
Penurunan pangsa ini, terutama karena meningkatnya aset lembaga The share decline, primarily due to assets increase of non-bank
keuangan non-bank, di antaranya perusahaan pembiayaan maupun financial institutions, among others financing and insurance
asuransi. Peningatan pangsa pasarnya didorong oleh meningkatnya companies. The increase of the market share was driven by increased
permintaan masyarakat terhadap kredit kepemilikan kendaraan public demand for motor vehicle ownership loans.
bermotor.
Introduction
Peningkatan Penyaluran Dana Bank Umum Commercial Banks Fund Disbursement Increase
16%
Performance
2009 2010 2011 2012 2013
Good Corporate
Governance
Khusus untuk kredit yang disalurkan oleh bank umum, sepanjang In particular, loan disbursement by commercial banks throughout
tahun 2013 mengalami peningkatan sebesar 18% dibandingkan 2013 showed an increase of 18% compared to the previous year.
tahun sebelumnya. Penghimpunan dana pihak ketiga pada periode In the same period, third party funds increased by 14%. Meanwhile,
tersebut juga meningkat sebesar 14%. Bahkan aset bank umum total assest of commercial banks grew by 16%.
juga mengalami peningkatan sebesar 16%.
Corporate Social
Responsibility
Situasi Perseroan Corporate Situation
Kondisi fundamental ekonomi Indonesia serta bauran respons Indonesia’s fundamental economic conditions as well as the mix
kebijakan yang terjadi pada 2013, membuat daya tahan of policy responses that occurred in 2013, made the economic
perekonomian tampak kuat. Hal ini tidak hanya berpengaruh sustainability to appear strong. This is not only influential in the
terhadap meningkatnya kinerja industri keuangan khususnya performance increase in the financial industry, particularly banking,
Consolidated
perbankan, tetapi juga pada bisnis Perseroan. but also on the company’s business.
Kendati tekanan yang terjadi sepanjang tahun 2013 cukup berat, namun Despite the pressures that occurred during 2013 which were quite
secara fundamental, perekonomian Indonesia masih cenderung stabil. heavy, fundamentally, the Indonesian economy tends to be stable. Of
Hal itu, di antaranya ditopang oleh stabilnya konsumsi masyarakat, which is supported by the stability of private consumption, investment
membaiknya kinerja investasi, dan kinerja sektoral. performance improvements, and sectoral performance improvements.
Corporate Data
Sepanjang tahun 2013, ekspektasi terhadap sektor angkutan dan Throughout 2013, expectations for the transport and communication
komunikasi merupakan yang terbesar dibandingkan sektor lain. sector is the largest compared to other sectors. Growth compared to
Pertumbuhannya dibandingkan tahun sebelumnya diperkirakan the previous year is estimated to reach 12.1% -12.5%.
mencapai 12,1%-12,5%
Hal ini didukung oleh besarnya jumlah penduduk Indonesia yang This is supported by the large number of the Indonesian
membutuhkan jasa pengangkutan. Sementara terkait dengan population that needs transportation services. While in relations to
komunikasi, bisa dilihat pada fenomena minat masyarakat terhadap communication, this can be seen in the public interest phenomenon
peemenuhan kebutuhan atas jasa tersebut semakin tinggi. Karena in the needs fulfilment for such services that increased. Therefore,
itulah, dua sektor ini masih memiliki tren positif. both these sectors have positive trends.
Situasi makro dan mikro inilah yang menjadi salah satu pertimbangan These macro and micro situations became one of the major
utama bank bjb dalam mengembangkan bisnisnya pada tahun considerations of bank bjb in developing its business in 2013.
2013. 159
Tinjauan Keuangan FINANCIAL Review
Informasi Keuangan Perusahaan dan Anak Financial Information of the Company and
Perusahaan Subsidiary
Perbandingan Target dan Realisasi Kinerja Target vs Realization of 2013 Performance

bank bjb 2013
Tahun 2013 merupakan tahun yang penuh tantangan bagi 2013 was a challenging year for banking including bank bjb
perbankan termasuk bank bjb mengingat adanya ketidakpastian considering the uncertainty in the global economic conditions which
kondisi perekonomian global yang juga berdampak pada also have impacted the Indonesian economy.
perekonomian Indonesia.
Fenomena perlambatan pertumbuhan ekonomi, inflasi, dan The phenomenon of economic growth slowdown, inflation, and BI
kenaikan BI rate tersebut menyebabkan semakin meningkatnya rate hike drove to increasing banking competition. However, bank bjb
persaingan perbankan. Namun, patut disyukuri bahwa kinerja bank is still blessed that its performance is still experiencing growth. Total
bjb di tahun 2013 masih mengalami pertumbuhan. Total Kredit loans grew by 27.57% YoY to Rp48.90 trillion, while DPK decreased
tumbuh 27,57% YoY menjadi Rp48,90 triliun sedangkan DPK by 1.41% YoY to Rp46.71 trillion. Net profit reached Rp1.38 trillion
mengalami penurunan sebesar 1,41% YoY menjadi Rp46,71 triliun. or a grwoth of 15.34%. The following are the achievements of
Laba bersih mencapai Rp1,38 Triliun atau tumbuh 15,34%. Berikut bank bjb’s performance compared to the targets of the company
adalah pencapaian kinerja bank bjb dibandingkan dengan target in 2013:
perusahaan di 2013:
Pencapaian
Realisasi
Target Achievement
Realisation
No. Uraian 2013 2013 Description
2013
(Rp miliar/billion) Persentase
(Rp miliar/billion)
Percentage
1. Pendapatan Bunga 6.995 8.132 116,25% Interest Income
2. Pendapatan Operasional Selain Bunga 341 457 134,02% Operational Income Other Than Interest
Total Pendapatan Operasional 7.336 8.589 117,08% Total Operational Income
3. Beban Bunga 2.718 3.350 123,25% Interest Expenses
4. Beban Usaha selain Beban Bunga 3.131 3.487 111,37% Operational Expenses Other Than Interest
Total Beban Usaha 5.848 6.837 116,91% Total Operational Expenses
Pendapatan Usaha Bersih 1.487 1.752 117,82% Net Operational Income
5. Laba Sebelum Pajak 1.650 1.753 106,24% Income Before Tax
6. Laba Bersih 1.304 1.376 105,52% Net Income
7. Rasio-Rasio Keuangan (%) (%) (%) Financial Ratios (%)
ROA 2,4 2,6 +0,2% ROA
ROE 25,0 26,7 +1,7% ROE
NIM 6,7 8,0 +1,3% NIM
Biaya Dana 4,4 4,9 +0,5% Cost of Fund
Rasio Biaya terhadap Pendapatan 80,0 79,4 -0,6% Cost to Income Ratio
NPL Gross 2,0 2,8 +0,8% Gross NPL
Biaya Kredit 0,6 1,3 +0,7% Credit Cost
Rasio CASA 37,0 60,2 +23,2% CASA Ratio
CAR 18,1 16,5 -1,6% CAR

Kinerja bank bjb (konsolidasi 2013) bank bjb performance (consolidated 2013)
31 Desember/December 31
Uraian Description
2009 2010 2011 2012 2013
Pendapatan Bunga dan Syariah 3.944.548 4.894.312 5.977.050 6.795.686 8.132.988 Interest Income and Sharia
Beban Bunga dan Bagi Hasil Syariah 1.841.510 2.254.731 2.915.841 3.140.311 3.350.845 Interest Expenses and Sharing Sharia
Pendapatan Bunga dan Syariah 2.103.038 2.639.581 3.061.209 3.655.375 4.782.143 Net Interest Income and Sharia
Bersih
Pendapatan Operasional Lainnya 262.083 306.401 240.168 330.362 457.258 Others Operational Income
Beban Operasional Lainnya 1.410.138 1.755.444 2.026.483 2.566.496 3.487.470 Others Operational Income
Introduction
Laba Operasional 954.983 1.190.538 1.274.894 1.419.241 1.751.931 Operational Income
Laba sebelum Beban Pajak 985.377 1.219.628 1.319.816 1.512.499 1.752.874 Income Before Tax
Penghasilan
Laba Bersih 709.106 890.225 962.645 1.193.304 1.376.387 Net Income
Laba Bersih Net Profit
Performance
Laba bersih meningkat sebesar 15,34% menjadi Rp1,376 triliun Net proft increased by 15.34% to Rp1.376 trillion in 2013 compared
pada tahun 2013 dibandingkan tahun sebelumnya Rp1,193 to the previous years which was in the amount of Rp1.193 trillion.
triliun. Laba Bersih berasal dari pertumbuhan kredit yang diberikan Net profit derives from loan growth which increased by 27.5% to
meningkat sebesar 27,5% menjadi Rp48,902 triliun pada tahun Rp48.902 billion in 2013 compared to the previous year, which was
2013 dibandingkan tahun sebelumnya Rp38,332 triliun. Rp38.332 trillion.
Good Corporate
Governance
Laba Laba sebelum
Bersih +15,34% Beban Pajak +15,89%
Rp juta Penghasilan
Net Income 1.376.387 Rp juta 1.752.874
Rp million Income Before Tax
Corporate Social
1.193.304 Rp million 1.512.499
Responsibility
1.219.628
890.225 1.319.816
962.695
709.106 985.377
Consolidated
2009 2010 2011 2012 2013 2009 2010 2011 2012 2013
Pendapatan Sebelum Pajak dan Pendapatan Income Before Tax and Net Income
Bersih
Corporate Data
Pendapatan sebelum pajak meningkat sebesar 15,89% menjadi Income before tax increased by 15.89% to Rp1.752 trillion in 2013
Rp1,752 triliun di tahun 2013 dibandingkan pada tahun 2012 sebesar compared to 2012 which amounted to Rp1.512 trillion, caused by
Rp1,512 triliun, yang disebabkan oleh peningkatan laba operasional an increase in operating profit of 23.4%. This increase affected
sebesar 23,4%. Peningkatan tersebut berdampak kepada kenaikan the increase in return on assets (ROA) to 2.6% in 2013 compared
imbal hasil aset (ROA) menjadi 2,6% di tahun 2013 dibandingkan to 2012 which amounted to 2.4%. Meanwhile, income after tax
pada tahun 2012 sebesar 2,4%. Sementara itu, pendapatan setelah increased by 15.34% to Rp1.376 trillion in 2013 compared to 2012
pajak meningkat sebesar 15,34% menjadi Rp1,376 triliun di tahun which amounted to Rp1.193 trillion.
2013 dibandingkan pada tahun 2012 sebesar Rp1,193 triliun.
Kriteria ARA No. V.2.4 161

Pendapatan Bunga Interest Income

Pendapatan bunga meningkat sebesar 19,68% menjadi Rp8,132 Interest income increased by 19.68% to Rp8.132 trillion in 2013
triliun di tahun 2013 dibandingkan 2012 yang sebesar Rp6,795 compared to 2012 which amounted to Rp6.795 trillion.
triliun.
Peningkatan pendapatan bunga kredit dikontribusikan dari The increase in loan interest income contributed from the average
pertumbuhan rata-rata kredit sebesar 27,5% atau meningkat dari loan growth of 27.5%, or an increase of Rp38.332 trillion in 2012
Rp38,332 triliun ditahun 2012 menjadi Rp48,902 triliun di tahun to Rp48.902 trillion in 2013. Meanwhile, the average lending rate in
2013. Sementara itu, rata- rata suku bunga pinjaman di tahun 2013 2013 increased by 110 bps.
mengalami kenaikan sebesar 110 bps.
Pendapatan Beban Bunga

Bunga dan +19,68% dan Bagi Hasil +6,70%
Syariah Syariah
Rp juta 8.132.988 Rp juta 3.350.845
Interest Income and Interest Expenses and
Sharia 6.795.686 Sharing Sharia 3.140.311
Rp million Rp million 2.915.841
4.894.312 5.977.050
2.254.731
1.841.510
3.944.548
2009 2010 2011 2012 2013 2009 2010 2011 2012 2013
Beban Bunga Interest Expense

Beban bunga mengalami kenaikan sebesar 6,7% menjadi sebesar Interest expense increased by 6.7% to Rp3.350 trillion in 2013
Rp3,350 triliun di tahun 2013 dibandingkan tahun 2012 sebesar compared to 2012 which amounted to Rp3.140 trillion. This increase
Rp3,140 triliun. Kenaikan ini berasal dari cost of fund yang semula was primarily derived from interest expense of customer funds which
4,6% di tahun 2012 menjadi 4,9% di tahun 2013. decreased by 4.6% in 2012, compare to 2013 which by 4,9% in
2013.
Pendapatan Bunga Bersih Net Interest Incomes

Peningkatan pendapatan bunga, disertai dengan peningkatan pada The increase in interest income, accompanied by an increase in
beban bunga, menghasilkan peningkatan pada pendapatan bunga interest expense, resulting in an increase in the net interest income
bersih sebesar 30,82% menjadi Rp4,782 triliun di tahun 2013 of 30.82% to Rp4.782 trillion in 2013 compared to 2012, which
dibandingkan tahun 2012 yang sebesar Rp3,655 triliun. Hal tersebut amounted to Rp3.655 triliun. This is consistent with the increase in
sejalan dengan meningkatnya marjin bunga bersih (NIM) sebesar net interest margin (NIM) by 110 bps to 7.96% in 2013 compared to
110 bps menjadi 7,96% di tahun 2013 dibandingkan tahun 2012 2012 in the amount of 6.76%.
yaitu sebesar 6,76%.
Pendapatan Operasional Lainnya Other Operational Income

Pendapatan operasional lainnya selama 2013 meningkat sebesar Other operating income in 2013 increased by 38.41% to Rp457
38.41% menjadi Rp457 miliar dibandingkan tahun 2012 sebesar billion from the amount of Rp330 billion in 2012. This is also due
Rp330 miliar yang juga disebabkan oleh meningkatnya to the increase in transactions through the atm card, in which the
transaksi melalui kartu atm dimana peningkatan ini sejalan dengan increase is in line with the increase Number of Account of bank bjb
peningkatan Number of Account bank bjb menjadi sebesar which amounted to 4,618,788 savings account, or an increase of
4.618.788 rekening tabungan atau naik 25,5% di tahun 2013. 25.5% in 2013.
162 Kriteria ARA No. V.2.4

Pendapatan Pendapatan
Bunga Bersih +30,82% Operasional +38,41%
Rp juta Lainnya
Net Interest Income 4.782.144 Rp juta 457.258
Rp million Others Operational Income
Rp million
3.655.375 330.362
306.401
2.639.581
3.061.209
240.168
262.083
Introduction
2.103.038
2009 2010 2011 2012 2013 2009 2010 2011 2012 2013
Performance
Uraian Description
2009 2010 2011 2012 2013
Provisi dan komisi selain dari kredit
236.195 204.145 180.278 219.213 268.719 Fees and commissions from loans
yang diberikan
Penerimaan Kembali Aset yang
- 28.689 42.545 73.537 136.140 Recovery from Assets Written-Off
Good Corporate
telah Dihapus Buku
Governance
Keuntungan dari penjualan surat
2.851 41.388 - 1.195 1.926 Income from sales securities
berharga yang diperdagangkan
Pendapatan transaksi valuta asing 16.227 13.698 10.751 14.627 32.636 Foreign exchange Income
Lain-lain 6.810 18.480 6.594 21.790 17.837 Others
Jumlah Pendapatan
262.083 306.401 240.168 330.362 457.258 Total others operational income
Operasional Lainnya
Corporate Social
Responsibility
Beban Operasional Lainnya Operating Expenses
Seiring dengan pertumbuhan dan perkembangan volume bisnis yang In line with the growth and development of the business volume
dilakukan oleh Perusahaan, beban operasional lainnya mengalami conducted by the Company, operating expenses increased by 35.88%
peningkatan sebesar 35,88% menjadi Rp3,487 triliun di tahun 2013 to Rp3.487 trillion in 2013 compared to 2012 which amounted to
Rp2.566 trillion. This increase derives from labor expenses which
dibandingkan tahun 2012 sebesar Rp2,566 triliun. Peningkatan
Consolidated
tersebut berasal dari beban tenaga kerja yang meningkat sebesar increased by 30.87% to Rp1.265 billion from Rp967 billion in 2012,
30,87% menjadi Rp1,265 miliar dibandingkan tahun 2012 sebesar in line with the total number of employees to 6,404 permanent
Rp967 miliar, sejalan dengan bertambahnya jumlah pegawai employees while in 2012 had a total of 4,893 employees.
menjadi 6.404 karyawan tetap sedangkan pada tahun 2012
sejumlah 4.893 karyawan.
Expense to income (BOPO) ratio increased by 10 bps to 79.41%

Corporate Data
Rasio biaya terhadap pendapatan (BOPO) mengalami kenaikan

sebesar 10 bps menjadi 79,41% ditahun 2013 sedangkan pada tahun in 2013 while in 2012 amounted to 79.31%, as a result of the
2012 sebesar 79,31%, sebagai ekspansi jaringan dan perekrutan implementation of cost efficiency performed by the Company in 2013
karyawan bank bjb, namun demikian bank bjb berhasil melakukan amid the improving network expansion and recruitment of bank bjb
efisiensi sehingga kenaikan BOPO tidak terlalu besar. employees. However bjb bank managed to improve efficiency so
that the increase in ROA is not too big.
Seiring pertumbuhan perusahaan tersebut, pada tahun 2013, In line with the growth of the company, in 2013, the company has
perusahaan telah memiliki lebih dari 4.618.788 nasabah di 2.484 di had more than 4,618,788 customers in 2,484 in the branch offices
jaringan kantor cabang didukung oleh 1.139 ATM dengan karyawan network which is supported by 1,139 ATMs with a total company
perusahaan mencapai 6.404 karyawan. employees reaching 6,404 employees.

Uraian Description
2009 2010 2011 2012 2013
Beban Operasional Lainnya Other Operating Expenses
Beban Tenaga kerja dan tunjangan 711.253 696.880 767.652 967.340 1.265.943 Labour Chargers & Subsidy
Beban Umum dan administrasi 433.486 555.563 785.168 986.237 1.256.991 General & Administrative Expenses
Penyisihan (Pembalikan) Kerugian
Allowance for Losses on Decrease in Value
Penurunan Nilai Atas Aset Keuangan Dan 160.184 381.356 340.719 403.388 616.067
of Financial Asset
Non Keuangan
Kerugian yang Belum Direalisasikan Atas
Unrealized Losses to Decrease the Value of
Penurunan Nilai Wajar Surat Berharga - 0 - - 56.585
Fair Trading Securities
yang Diperdagangkan
Kerugian dari Penjualan Surat Berharga Loss on sale of Held-for-Trading
- - 147 716 -
yang Diperdagangkan Marketable Securities
Penyisihan Kerugian Penurunan Nilai atas Allowance For Losses on Decrease In The
7.402 5.072 (35.873) 133 65
Komitmen dan Kontinjensi Value of Commitment and Contingency
Beban Lainnya 97.813 116.573 173.670 208.682 291.819 Other Expenses

Jumlah Beban Operasional Lainnya 1.410.138 1.755.444 2.026.483 2.566.496 3.487.470 Total Other Operational Expenses
Beban Kredit yang

Operasional +35,88% diberikan +25,16%
Lainnya Rp juta
Rp juta 3.487.470 Disbursed Loans 48.902.340
Others Operational Income Rp million
Rp million
2.566.496 38.332.712
1.755.444 2.026.483 23.669.719

28.764.701
1.410.138 19.631.968
2009 2010 2011 2012 2013 2009 2010 2011 2012 2013
Kredit yang Diberikan Loan

Total kredit mengalami pertumbuhan sebesar 27,57% dibandingkan Total loans grew by 27.57% compared to 2012 which amounted
tahun 2012 sebesar Rp38,332 triliun, menjadi sebesar Rp48,902 to Rp38.332 trillion, to the amount of Rp48.902 billion in 2013.
triliun di tahun 2013. Dari sisi suku bunga kredit (NIM) mengalami In terms of lending interest rates (NIM) increased to 7.9% in 2013
kenaikan menjadi 7,9% di tahun 2013 dibandingkan tahun 2012 compared to 6.7% in 2012. The loan increase was supported by, one
sebesar 6,7%. Peningkatan kredit salah satunya didukung oleh of which consumer loan growth in the amount of 27.5% with a total
pertumbuhan kredit konsumer sebesar 27,5% senilai Rp28,857 triliun value of at Rp28.857 trillion compared to 2012 which amounted to
dibandingkan tahun 2012 senilai Rp22,626 triliun. Kredit konsumen Rp22.626 trillion. Consumer loan as one of the products that can
sebagai salah satu produk yang dapat menopang pertumbuhan support the credit growth of bank bjb, in which the KGB product
kredit bank bjb, yang dimana produk KGB memiliki peranan yang plays a very important role, this is because the product is directly
sangat penting, hal ini dikarenakan produk ini berkaitan langsung related to the core business of the bank. The KGB products increased
dengan core bisnis bank. Produk KGB mengalami kenaikan 23% dari by 23% from Rp21.829 trillion in 2012 to Rp26.893 billion in 2013.
Rp21,829 triliun di tahun 2012 menjadi Rp26,839 triliun di tahun In addition, a significant increase also occurred in the products Kredit
2013. Selain itu yang mengalami kenaikan sangat signifikan adalah Purna Bhakti or Pension Loan by 153.2% from Rp797 billion to
produk Kredit Purna Bhakti atau Kredit Pensiun sebesar 153,2% dari Rp2.018 trillion.
Rp797 miliar menjadi Rp2,018 triliun.

Total Penyaluran Kredit Total Loan Disbursement
Uraian Description
2009 2010 2011 2012 2013
Kredit yang diberikan – Gross 19.631.968 23.669.719 28.764.701 38.332.712 48.902.340 Loans
Dikurangi penyisihan kerugian (408.433) (599.516) 541.344 (683.511) (1.081.614) Allowance Losses
Kredit yang diberikan – Bersih 19.223.535 23.070.203 28.223.357 37.649.201 47.820.726 Net Loans
Penyaluran Kredit Berdasarkan Segmen Loan Disbursement by Segment
Introduction
Uraian - Bank only 31 Desember/December 31 Description - Bank only
(dalam miliar) 2010 2011 2012 2013 (in billion)
Konsumer 15.960 19.168 22.626 28.857 Consumer

Mikro 2.364 2.975 4.545 5.353 Micro
Komersial 3.652 4.402 6.337 6.989 Commercial
KPR 91 453 1.721 3.911 Mortgage
Performance
Total kredit - Gross 22.066 26.998 35.229 45.110 Total Gross Loans
Penyaluran Kredit Berdasarkan Loan Disbursement by

Jenis Penggunaan Kredit Types of Loan
Uraian Description
2009 2010 2011 2012 2013
Good Corporate
Governance
Modal Kerja 3.034.074 4.879.257 6.224.475 8.948.232 10.750.492 Working Capital
Investasi 598.134 1.081.809 1.109.613 2.042.386 2.381.747 Investment
Sindikasi 767.433 506.487 813.039 935.986 1.114.950 Syndicated
Konsumsi 14.330.183 17.013.150 20.292.284 25.579.717 33.421.457 Consumption
Karyawan 145.102 123.575 246.549 387.012 423.284 Employee
Corporate Social
Responsibility
Program Pemerintah 50.061 65.441 78.741 439.379 810.410 Government Program
Jumlah 18.924.987 23.669.719 28.764.701 38.332.712 48.902.340 Total
Penyisihan Kerugian 417.043 599.516 (541.344) (683.511) (1.081.614) Loss Provision
Jumlah Kredit yang diberikan 18.507.944 23.070.203 28.223.357 37.649.201 47.820.726 Total Loan Disbursement – net
– bersih
Consolidated
Penyaluran Kredit Berdasarkan Segmen Penyaluran Kredit Berdasarkan Jenis
Loan Disbursement by Segment Penggunaan Kredit
Loan Disbursement by Types of Loan
4,87% 2,28% Konsumsi

Corporate Data
11,87% Konsumer Consumption

15,49% Consumer
Investasi
21,98% Investment
Mikro
8,67% Micro Sindikasi
0,87%
63,97% 68,34%
Syndicated
Komersial
Modal Kerja
Commercial 1,66% Working Capital
63,97% KPR 68,34% Karyawan
Mortgage Employee
Program Pemerintah
Government Program
165
Penyaluran Kredit Berdasarkan Skala Usaha Loan Disbursement by Business Size

Uraian - Bank only 31 Desember/December 31 Description - Bank only
(dalam miliar) 2013 (in billion)
UMKM MSME
- Usaha Mikro 7.493.321 - Micro Business
- Usaha Kecil 1.226.127 - Small Business
- Usaha Menengah 125.740 - Medium Business
Total UMKM 8.845.188 Total MSME
Proporsi UMKM Proportion of MSME
Usaha Besar 36.463.392 Large Business
Proporsi Usaha Besar 80% Proportion of Large Business
Total kredit yang diberikan - Gross 45.308.580 Total Loan Disbursement - Gross
Kredit Berdasarkan Sektor Ekonomi Loan Based on the Economic Sector

Berdasarkan sektor ekonomi, kontribusi terbesar masih berasal dari Based on the economic sector, the largest contribution still comes from
sektor perdagangan, jasa-jasa dunia usaha, konstruksi, industri, trade, business service, Construction, industry, and agriculture sectors.
dan pertanian. Sektor perdagangan berkontribusi sebesar 10,11% Trade sector contribute amount of 10.11% which is compared to
dibandingkan tahun 2012 sebesar 12,13%, jasa-jasa dunia usaha 2012 which was by 12.13%, business services by 7.59% compared
sebesar 7,59% dibandingkan tahun 2012 sebesar 8,73%, konstruksi to 2012 by 8.73%, contruction by 4.42% compared to 2012 by 4.83,
sebesar 4,42% dibandingkan tahun 2012 sebesar 4,83%, dan and industry by 3.03% compared to 2012 by 2.79%, agriculture by
Industri sebesar 3,03% dibandingkan tahun 2012 sebesar 2,79%, 2.13% compared to 2012 by 1%.
pertanian sebesar 2,13% dibandingkan tahun 2012 sebesar 1%.
Kredit Berdasarkan Sektor Ekonomi

Loan Based on the Economic Sector
0,81%
7,59% Pertanian
0,76%
Agriculture
10,11%
Pertambangan
4,42% Mining
0,74%
Industri
70,14%
Industry
Listrik, Gas dan Air
Electric, Gas and Water
2,13% Konstruksi
70,14% Construction
0,27%
Perdagangan
3,03% Trade
Pengangkutan dan Pergudangan
Transportation and Warehouse
Jasa-jasa dunia usaha
Business Service
Jasa-jasa sosial
Social Service
Lain-lain
Others
166
Sektor Ekonomi Economic Sector
2009 2010 2011 2012 2013
Pertanian 202.222 235.490 288.287 381.926 1.040.951 Agriculture
Pertambangan 13.955 36.509 205.781 583.945 130.726 Mining
Industri 285.843 382.091 525.206 1.070.375 1.481.764 Industry
Listrik, gas dan air 254.905 37.987 133.515 63.230 361.857 Electric, Gas and Water
Konstruksi 687.846 967.916 1.143.567 1.851.480 2.159.052 Construction
Perdagangan 1.645.203 2.732.189 3.339.241 4.652.671 4.945.322 Trade
Pengangkutan dan Pergudangan 423.387 522.951 276.767 562.706 395.199 Transportation and Warehouse
Jasa-jasa dunia usaha 709.712 1.249.772 1.767.377 3.345.646 3.711.849 Business Service
Introduction
Jasa-jasa sosial 183.236 284.376 387.338 467.061 373.091 Social Service
Lain-lain 14.518.678 17.220.437 20.697.622 25.353.672 34.302.529 Others
Jumlah 18.924.987 23.669.719 28.764.701 38.332.712 48.902.340 Total
Penyisihan Kerugian 417.043 599.516 (541.344) (683.511) (1.081.614) Provisioning
Jumlah kredit yang diberikan – 18.507.944 23.070.203 28.223.357 37.649.201 47.820.726 Total Loans
Gross
Performance
Kredit Bermasalah Non Performing Loan
Total kredit bermasalah (Non-Performing Loan atau NPL-Gross) Total Non-Performing Loans or NPL was maintained in the range
terkendali di kisaran sebesar Rp1,277 triliun di tahun 2013 of Rp1.277 trillion in 2013 compared to 2012 which amounted to
dibandingkan tahun 2012 sebesar Rp791 miliar. Sehingga bila Rp791 billion. Thus when viewed from NPL ratio to total loans, the
ditinjau dari rasio NPL terhadap total kredit yang disalurkan, rasio ratio of non-performing loans increased which is one of the global
kualitas kredit bermasalah meningkat yang merupakan salah satu and national economic impact throughout 2013 as indicated by the
Good Corporate
Governance
dampak ekonomi global dan nasional sepanjang 2013 sebagaimana gross NPL ratio of 2.83% in 2013 compared to 2012 which was
ditunjukkan oleh rasio NPL bruto sebesar 2,83% di tahun 2013 2.07% as a respond for that matter, bank bjb has formed a collecting
dibandingkan tahun 2012 sebesar 2,07% sebagai respons dari hal agent and perform first payment defaults to third parties.
tersebut bank bjb telah membentuk collecting agent dan melakukan
first default payment terhadap pihak ketiga.
Corporate Social
Responsibility
Jenis Type
2009 2010 2011 2012 2013
Lancar 19.064.000 22.962.040 27.749.535 36.422.901 45.773.788 Current
Dalam perhatian khusus 181.490 268.139 664.483 1.059.964 1.779.085 Special mention
Kurang lancar 184.887 46.447 66.924 147.099 194.035 Substandard
Diragukan 28.401 70.888 65.347 206.234 239.998 Doubtful
Macet 173.190 322.205 218.412 496.514 915.434 Loss
Consolidated
Jumlah kredit yang diberikan – 19.631.968 23.669.719 28.764.701 38.332.712 48.902.340 Loans - Gross
Gross
Penyisihan Kerugian (408.433) (599.516) (541.344) (683.511) (1.081.614) Allowance For Losses
Jumlah kredit yang diberikan – 19.223.535 23.070.203 28.223.357 37.649.201 47.820.726 Loans – Netto
Bersih
Corporate Data
Jenis Type
2009*) 2010 2011 2012 2013*)
NPL - Gross 369.701 439.540 350.683 791.773 1.277.060 NPL - Gross
Rasio NPL - Gross 1,96% 1,86% 1,21% 2,07% 2,83% Rasio NPL - Gross
NPL - Netto 145.683 68.642 117.935 187.072 285.043 NPL - Netto
Rasio NPL - Netto 0,77% 0,29% 0,41% 0,50% 0,64% Rasio NPL - Netto
Jumlah kredit yang diberikan – Gross 19.631.968 23.669.719 28.764.701 38.332.712 48.902.340 Loans - Gross
Catatan: Note:
*) Perhitungan rasio NPL untuk 31 Desember 2009, 2008 mengacu pada SE BI *) NPL ratio calculation for December 31, 2009 and 2008, refers to SE BI
Nomor 7/10/DPNP tanggal 31 Maret 2005 yang mana kredit kepada bank lain No. 7/10/DPNP dated March 31, 2005, in which loans to other banks
bukan merupakan komponen rasio NPL untuk 31 Desember 2012, 2011, 2010 are not a component in the calculation of NPL ratio. For Desember 31,
perhitungan rasio NPL mengacu pada SE BI Nomor 12/11/DPNP tanggal 31 Maret 2012, 2011, and 2010, NPL ratio calculation refers to SE BI No. 12/11/
2010 yang mana kredit kepada bank lain merupakan komponen pada perhitungan DPNP dated March 31, 2010, in which loans to other banks constitute
rasio NPL. a component of the calculation of NPL ratio.

Penyisihan Cadangan Kerugian Penurunan Nilai Allowance of Impairment Losses Reserve (CKPN)
(CKPN)
Total CKPN di tahun 2013 meningkat sebesar 58,2% menjadi Total CKPN in 2013 increased by 58.2% to Rp1,082 billion, while in
Rp1.082 miliar sedangkan pada tahun 2012 sebesar Rp684 miliar. 2012 amounted to Rp684 billion. The increase of CKPN was primarily
Peningkatan CKPN ini terutama disebabkan oleh pertumbuhan due to loan portfolio growth of 27.57% to Rp48.902 trillion in 2013,
portofolio kredit sebesar 27,57% menjadi Rp48,902 triliun di tahun while in 2012 amounted to Rp38.332 trillion, in which the calculation
2013 sedangkan pada tahun 2012 sebesar Rp38,332 triliun, dimana for CKPN was in line and based on the application of SFAS 50 (2006
perhitungan CKPN telah sejalan dan berdasarkan penerapan PSAK revision) and PSAK 55 (2006 revison).
50 (revisi 2006) dan PSAK 55 (revisi 2006).
Kredit yang Mengalami Penurunan Nilai Loans Experiencing Impairment Losses

Cadangan kerugian penurunan nilai pada bulan Desember 2013 Allowance for loan impairment losses in December 2013 amounted
adalah sebesar Rp1.082 miliar atau meningkat sebesar 58,2% to Rp1,082 billion or an increase of 58.2% compared to the previous
dibandingkan tahun sebelumnya 2012 sebesar Rp684 miliar. year of 2012 which amounted to Rp684 billion. The increase in
Peningkatan cadangan kerugian penurunan nilai ini terjadi the allowance for impairment losses occured due to several things,
dikarenakan beberapa hal yaitu pembentukan penyisihan kerugian namely the establishment of a loss reserves of Rp1,082 billion in
2013 sebesar Rp1.082 miliar. 2013.
Dana Pihak Ketiga Third Party Funds

Perusahaan mencatat total dana nasabah sebesar Rp49,997 triliun. The Company recorded total customer deposits of Rp49.997 trillion.
Adapun komposisi dana nasabah adalah 33,47% dalam bentuk The composition of customer deposits is 33.47% in demand deposits,
giro, 24,42% dalam bentuk tabungan dan 42,10% dalam bentuk 24.42% in savings and 42.10% in time deposits.
deposito berjangka.
Dana murah meningkat sebesar 11,3% menjadi Rp28,137 triliun Low cost funds increased by 11.3% to Rp28.137 trillion compared
dibandingkan tahun 2012 sebesar Rp23,350 triliun disebabkan oleh to 2012 which amounted to Rp23.350 billion, due to the increase in
kenaikan giro dan tabungan masing-masing sebesar 12,62% dan demand deposits and savings by 12.62% and 33.48%, respectively,
33,48% dibanding tahun sebelumnya menjadi Rp16,360 triliun dan compared to the previous year, to Rp16.360 trillion and Rp11.777
Rp11,777 triliun di tahun 2013 dibandingkan tahun 2012 sebesar trillion in 2013 compared to 2012 which amounted to Rp14.528
Rp14,528 triliun untuk giro dan Rp8,823 triliun untuk tabungan trillion of demand deposits and Rp8.823 trillion of savings, which
juga memberikan kontribusi dalam pertumbuhan total dana also contributed to the growth in total customer deposits.
nasabah.
Dengan penurunan deposito berjangka berbanding kenaikan dana With the decrease in time deposits compared to the increase in low-
murah, maka di tahun 2013, rasio perbandingan antara dana murah cost funds, in 2013, the ratio of low-cost funds with total customer
dengan total dana nasabah (Current Account and Saving Account deposits (Current Account and Savings Account Ratio - CASA Ratio)
Ratio – CASA Ratio) mengalami kenaikan sebesar 113 bps dari increased by 113 bps from 48.9% in 2012 to 60.1% in 2013.
48,9% di tahun 2012 menjadi 60,1% di tahun 2013.
Seiring dengan kebijakan ekspansif Perusahaan, rasio perbandingan Along with the Company’s expansive policy, the ratio of total loans
antara total kredit dengan total dana nasabah (Loan to Deposit to total customer deposits (Loan to Deposit Ratio - LDR) increased
Ratio - LDR) mengalami peningkatan sebesar 30,20% di tahun 2013 by 30.20% to 96.47% in 2013 compared to 74.1% in 2012. This
menjadi 96,47% dibandingkan 2012 sebesar 74,1%. Peningkatan ini increase was due to higher growth of loans compared with the
disebabkan kenaikan kredit yang lebih tinggi dibandingkan dengan growth of customer deposits in 2013.
dana nasabah di tahun 2013.

Jumlah Giro, Tabungan & Deposito Berjangka
Total of Current Account, Saving Account & Time Deposits
24,42% 33,47%
Giro
42,10%
Current Account
Tabungan
Introduction
Saving Account
42,10%
Deposito Berjangka
Time Deposits
Performance
Uraian Description
2009 2010 2011 2012 2013
Giro 8.272.288 7.610.327 11.168.241 14.828.830 16.735.445 Current Account
Tabungan 3.802.574 4.876.716 6.270.783 9.050.286 12.210.581 Saving Account
Deposito Berjangka 11.644.050 19.466.419 21.603.753 26.728.809 21.050.581 Time Deposits
Jumlah Simpanan Nasabah 23.718.912 31.953.462 39.042.777 47.632.863 49.996.607 Total Saving
Good Corporate
Governance
Dana Pihak Ketiga Berdasarkan Mata Uang Third Party Funds Based on Currency
Bila dikelompokkan berdasarkan jenis mata uang, maka dana Arranged by type of currency, the customer funds denominated in
nasabah dalam mata uang Rupiah memiliki kontribusi sebesar Rupiah has contributed by 98.95%, followed by customer funds in
98,95%, diikuti oleh dana nasabah dalam mata uang asing sebesar foreign currencies amounting to 1.05% of the total customers in
1,05% dari total nasabah di tahun 2013. Dibandingkan tahun 2012, 2013. Compared to 2012, customer funds denominated in Rupiah
Corporate Social
Responsibility
dana nasabah dalam mata uang Rupiah mengalami penurunan decreased by Rp954 billion or 2.04% to Rp46.761 billion in 2013
sebesar Rp954 miliar atau 2,04% menjadi Rp46,761 triliun di tahun compared to 2012 which amounted to Rp47.716 trillion and
2013 dibandingkan tahun 2012 sebesar Rp47,716 triliun dan dana customer funds in foreign currencies increased by Rp173 billion, or
nasabah dalam mata uang asing juga mengalami peningkatan 37.38% to Rp493 billion.
sebesar Rp173 miliar atau 37,38% menjadi Rp493 miliar.
Tabungan
Consolidated
Savings
Produk tabungan sebagai salah satu produk untuk menghimpun Savings products as one of the products to gather customers funds
dana nasabah secara langsung yang meningkat sebesar directly raise funds which increased by Rp2.953 trillion, or 33.48%
Rp2,953 triliun atau 33,48% menjadi Rp11,777 triliun per 31 to Rp11.777 trillion as of December 31, 2013, can not be separated
Desember 2013, tidak terlepas dari keberhasilan Perusahaan dalam from the Company’s success in implementing one of the 2013 Six
mengimplementasikan salah satu dari Enam Pilar Strategi Utama Key Strategy Pillars, namely the increase in low-cost funds (CASA).
2013, yakni peningkatan dana murah (CASA). Berbagai promosi,
Corporate Data
Various promotions, savings product innovations and new product

inovasi produk tabungan dan peluncuran produk baru di tahun launches in 2013 have shown encouraging results. One of the
2013 telah menunjukkan hasil yang menggembirakan. Salah satu programs that received rave reviews from the public is Organizing the
program yang mendapat sambutan hangat dari masyarakat adalah Direct Rewards Program Tabungan bjb Tandamata Berjangka period
Menyelenggarakan Program Hadiah Langsung Tabungan bjb II (July to December 2013) and Direct Rewards Program Tabungan
Tandamata Berjangka periode II (Juli sampai dengan Desember 2013) bjb Berhadiah Sesukamu period (May to December 2013). In
dan Program Hadiah Langsung Tabungan bjb Berhadiah Sesukamu addition to the abovestated, bank bjb also cooperates with
periode (Mei sampai dengan Desember 2013). Selain tersebut bank Kemendikbud, Education Department of West Java and Banten
bjb juga Bekerjasama dengan Kemendikbud, Dinas Pendidikan Jawa provinces in the distribution of Poor Students Aid Fund (BSM), Teacher
Barat dan Provinsi Banten dalam penyaluran Dana Bantuan Siswa Certification Allowance Disbursement and the fund distribution of
Miskin (BSM), Penyaluran Dana Tunjangan Sertifikasi Guru dan School Operational Assistance (BOS).
penyaluran dana Bantuan Operasional Sekolah (BOS).
169
Pencapaian dana murah pada akhir Desember 2013 sebesar Retail Savings at the end of December 2013 amounted to
Rp10,1 triliun, atau meningkat sebesar 3 triliun dikarenakan Rp10.1 trillion, increased Rp3 trillion due to the savings strategy
penempatan dana dari kerja sama dengan beberapa Instansi undertaken included cooperation with Government in raising
Pemerintah Pusat dan Daerah diantaranya: deposits such as :
• Kerja sama dengan Kementerian Pendidikan dan Kebudayaan • Cooperation with the Ministry of Education and Culture for
untuk pendistribusian Bantuan Siswa Miskin (BSM) untuk tahun distribution of Poor Students Aid Fund (BSM) for Fiscal Year
anggaran 2013 yang mencapai 2,4 juta siswa miskin di Jawa 2013 to 2.4 million poor students in West Java and Banten with
Barat dan Banten dengan total kelolaan sebesar Rp1,14 triliun. managed portfolio Rp1.14 trillion.
• Kerja sama dengan Dinas Pendidikan Propinsi Jawa Barat dan • Cooperation with Provincial Education Department of West Java
Banten untuk pendistribusian Dana Sertifikasi Guru dan Bantuan and Banten for distribution of teacher certification funds and
Operasional Sekolah (BOS). School Operational Assistance Fund (BOS).
Realisasi Dana pada tahun 2013 (Rp)

Program Programs
Funds Realization on 2013 (Rp)
Bantuan Siswa Miskin (BSM) 438.711.670.000 Poor Students Aid Fund (BSM)
Bantuan Operasional Sekolah (BOS) 408.105.202.500 School Operational Assistance Fund (BOS)
Dana Sertifikasi Guru 1.497.343.462.457 Teacher Certification Funds
Uraian Description
2009 2010 2011 2012 2013
Giro Demand Deposit
Rupiah 8.251.006 7.582.642 11.060.235 14.700.531 16.541.619 Rupiah
Mata Uang Asing 21.281 27.685 108.006 128.299 193.826 Foreign Currency
Jumlah Giro 8.272.287 7.610.327 11.168.241 14.828.830 16.735.445 Total Demand Deposits
Tabungan Rupiah Savings Account - Rupiah
Tandamata 1.642.260 2.049.099 2.801.928 4.832.834 6.583.559 Tandamata
Simpeda 1.620.017 2.065.829 2.365.536 2.627.461 2.725.880 Simpeda
Tandamata Haji 39.807 46.840 44.363 46.620 45.870 Tandamata Haji
Tandamata Gold 350.741 454.310 536.241 674.856 778.350 Tandamata Gold
Tandamata Bisnis - 7.939 28.591 49.773 49.354 Tandamata Bisnis
Tandamata Berjangka - - 9.232 31.309 58.426 Tandamata Berjangka
Tabungan Wadiah 15.692 39.281 71.685 83.391 100.498 Tabungan Wadiah
Tabungan Mudharabah 130.917 145.796 165.089 - 275.668 Tabungan Mudharabah
TabunganKu - 51.044 64.107 93.906 1.124.138 TabunganKu
Tandamata Purnabakti 52.281 166.514 315.708 374.063 Tandamata Purnabakti
Tabungan ku iB - - - 383 553 Tabungan ku iB
Tabungan Pelajar - - - 3.390 4.688 Tabungan Pelajar
Tabungan Wajib/Khusus - - - 3.366 4.946 Tabungan Wajib/Khusus
Tabungan Dinas Instansi - - - 2.347 295 Tabungan Dinas Instansi
Tabungan Masyarakat - - - 9.418 14.910 Tabungan Masyarakat
Tabungan Kotak - - - 1.517 1.783 Tabungan Kotak
Tabungan Lain-lain - - - 13 32 Tabungan Lain-lain
Tabungan Tamasya - - - 19.223 28.928 Tabungan Tamasya
Tabungan Anak Sekolah - - - 1.041 1.272 Tabungan Anak Sekolah
Tabungan Mudharabah - - - 9.239 - Tabungan Mudharabah
Tabungan Haji Mudharabah - - - 1.056 - Tabungan Haji Mudharabah
Tandamata Dollar 3.141 15.341 17.497 26.853 37.368 Tandamata Dollar
JumlahTabungan 3.802.575 4.876.716 6.270.783 9.050.286 12.210.581 Total Savings Account
Deposito Berjangka Time Deposits
Rupiah 11.233.607 19.183.320 21.424.613 26.563.967 20.788.808 Rupiah
Mata Uang Asing 410.443 282.709 179.140 164.842 261.773 Foreign Currency
Jumlah Deposito Berjangka 11.644.050 19.466.419 21.603.753 26.728.809 21.050.581 Total Time Deposits
Jumlah 23.718.912 31.953.462 39.042.777 50.607.925 49.996.607 Total
170
Ekuitas Equity
Ekuitas bank bjb dan anak perusahaan pada tahun The equity of bank bjb nd its subsidiaries in 2013 is in the amount
2013 adalah sebesar Rp6,718 triliun, meningkat sebesar of Rp6.718 trillion, an increase of Rp710 billion or an increase of
Rp710 miliar atau meningkat sebesar 11,81% bila dibandingkan 11.81% compared to 2012 which amounted to Rp6.008 trillion. This
dengan tahun 2012 sebesar Rp6,008 triliun. Peningkatan ini increase is due to the retained earnings which increases the reserves
disebabkan karena adanya saldo laba ditahan yang menambah amount of bank bjb.
jumlah cadangan bank bjb.
Kemampuan Membayar Obligasi Bonds Paying Ability
Introduction
Jumlah Obligasi yang terhutang per 31 Desember 2013 adalah Total bonds payable as of December 31, 2012 is Rp2,400 billion.
Rp2.400 miliar, 31 per Desember 2012. bank bjb memperoleh bank bjb has obtained a bond rating of id AA- from PT Pemeringkat
peringkat id AA- dari PT Pemeringkat Efek Indonesia (Pefindo). Efek Indonesia (Pefindo) as seen in the following table:
Rincian obligasi dapat dilihat pada table berikut:
Tanggal Pencatatan di
Peringkat Obligasi
Obligasi / Bond Nominal / Nominal Bursa Status
Ratings Bond
Performance
Listing date
Obligasi VI Seri B Rp 400.000 juta 13 Juli 2009 id AA- Bond VI berjalan/ outstanding
Obligasi VII Rp 2.000.000 juta 9 Februari 2011 id AA- Bond VII berjalan/ outstanding
Pada tanggal 1 Nopember 2013, PT Pemeringkat Efek Indonesia On 1 November 2013, PT Pemeringkat Efek Indonesia (Pefindo)
(Pefindo) melalui surat nomor 1864/PEF-Dir/XI/2013 Perihal through the letter No. 1864/PEF-Dir/XI/2013 on Annual Monitoring
Good Corporate
Governance
Sertifikat Pemantauan Tahunan Pemeringkatan atas Obligasi VI Seri Certification on the Ranking of Bond VI Series B Year 2009 and the
B Tahun 2009 dan Obligasi VII Tahun 2011 PT Bank Pembangunan Bonds VII Year 2011 of PT Bank Pembangunan Daerah Jawa Barat
Daerah Jawa Barat dan Banten, Tbk Periode 1 Nopember dan Banten, Tbk for the period November 1, 2013 to November 1,
2013 sampai dengan 1 Nopember 2014, Panitia Pemeringkat 2014, the Ranking Committee of PT Pefindo decided to reassign id
PT Pefindo memutuskan menetapkan kembali peringkat id AA- AA-(Double A Minus) to Bond VI Series B Year 2009 and Bond VII
(Double A Minus) terhadap Obligasi VI Seri B Tahun 2009 dan Year 2011 of PT Bank Pembangunan Daerah Jawa Barat dan Banten,
Corporate Social
Responsibility
Obligasi VII Tahun 2011 PT Bank Pembangunan Daerah Jawa Barat Tbk with a total value of Rp2,400,000,000,000,- (Two Trillion
dan Banten, Tbk senilai Rp2.400.000.000.000,- (Dua Triliun Empat Four Hundred Billion Rupiah) for the period November 1, 2013 to
Ratus Miliar Rupiah) untuk periode 1 Nopember 2013 sampai November 1, 2014.
dengan 1 Nopember 2014.
Adapun arti peringkat rating memiliki arti sebagai The meaning of this rating rank is as follows:
berikut:
Consolidated

AA- AA-
“Efek hutang dengan peringkat AA- memiliki kemampuan yang “Debt securities rated AA- has strong support obligors ability
sangat kuat untuk memenuhi komitmen keuangan jangka panjang compared to other Indonesian entities to comply with longterm
relatif dibandingkan terhadap obligor Indonesia lainnya, namun financial obligations in accordance with the agreement, but it is
memiliki perbedaan dengan peringkat tertinggi yang diberikan”. different from the highest rating”.
Corporate Data
Tanda minus (-) The minus sign (-)

“Tanda minus (-) menunjukkan bahwa peringkat yang diberikan “The minus sign (-) indicates that the ratings given relatively weak
relatif lemah dan di bawah rata-rata kategori yang bersangkutan”. and below the average for the relevant category”.
Kriteria ARA No. V.2.3, V.3 171

Kewajiban Penyediaan Modal Minimum (KPMM) Capital Adequacy Ratio (CAR)

Di tahun 2013, Perusahaan mencatat rasio kecukupan modal/ In 2013, the Company recorded a capital adequacy ratio (CAR)
kewajiban penyediaan modal minimum (Capital Adequacy Ratio atau decrease from 18.1% in 2012 to 16.5% in 2013. Along with the
CAR) menurun dari 18,1% di tahun 2012 menjadi sebesar 16,5% increased profitability of the Company, the CAR in Tier 1 (primary)
di tahun 2013. Seiring dengan meningkatnya penyaluran kredit decreased to 16.5% in 2013 compared to 2012 which amounted to
Perusahaan yang juga berpengaruh pada meningkatnya profitabilitas 18.4%. Meanwhile, Tier 2 CAR was relatively decreased at 16.5%
Perusahaan, CAR di Tier 1 (utama) mengalami penurunan menjadi compared to 2012 which amounted to 18.1% due to the absence of
16,5% di tahun 2013 dibandingkan tahun 2012 yang sebesar capital addition in 2013.
18,4%. Sementara itu, CAR Tier 2 relatif menurun pada 16,5%
dibandingkan tahun 2012 yang sebesar 18,1% karena tidak adanya
penambahan modal di tahun 2013.
Rasio-rasio Keuangan Financial Ratios

Uraian 2009 (%) 2010 (%) 2011 (%) 2012 (%) 2013 (%) Description
CAR 20,94 22,85 18,36 18,11% 16,51% CAR
ROA 3,24 3,15 2,65 2,46% 2,61% ROA
ROE 28,09 24,95 21,00 25,02% 26,76% ROE
NIM 7.63 7,32 6,89 6,76% 7,96% NIM
NPL GROSS 1,97 1,86 1,21 2,07% 2,83% NPL GROSS
NPL NET 0,76 0,29 0,41 0,50% 0,64% NPL NET
BOPO 77.30 76,60 80,02 79,31% 79,41% BOPO
LDR 82,47 71,14 72,95 74,09% 96,47% LDR
Aset Produktif Bermasalah Terhadap Productive Non-Performing Assets to
1,25 1.11 0,73 1,27% 2,21%
Total Aset Produktif Total Earning Assets
Aset Tetap Terhadap Modal 30,81 20,45 23,22 25,22% 22,01% Fixed Assets to Capital
Rasio Rentabilitas Capital Adequacy Ratio

Peningkatan rasio rentabilitas disebabkan oleh kenaikan total Increased profitability ratio due to the increase in other operating
pendapatan operasional lainnya yang meningkat sebesar 38,41% income increased by 38.41% to Rp457 billion in 2013 compared
menjadi Rp457 miliar pada tahun 2013 dibandingkan tahun 2012 to the year 2012 which was Rp330 billion. This is due to operating
yang sebesar Rp330 miliar. Hal ini disebabkan oleh beban operasional expenses in 2013 despite an increase of 0.1%, but the increase is not
di tahun 2013 meskipun mengalami kenaikan sebesar 0,1% tetapi greater than the increase in other operating income. Expense ratio to
kenaikannya tidak lebih besar dari kenaikan pendapatan operasional earnings in 2013 rose to 79.41%, or 0.10% compared to the year
lainnya. Rasio beban terhadap pendapatan di tahun 2013 naik 2012 amounted to 79.31%.
menjadi 79,41% atau 0,10% dibandingkan tahun 2012 sebesar
79,31%.
Rasio Kecukupan Modal (Capital Adequacy Ratio) Capital Adequacy Ratio

Rasio kecukupan modal Perusahaan menurun menjadi 16,51% The company’s capital adequacy ratio decreased to 16.51% compared
dibandingkan tahun 2012 sebesar 18,11%, di atas kewajiban to the year 2012 amounted to 18.11%, above the minimum capital
penyediaan modal minimum menurut BI yaitu sebesar 8%. requirement according to the Bank in the amount of 8%.
Marjin Pendapatan Bunga Bersih - Net Interest Net Interest Income Margin - Net Interest Margin
Margin (NIM) (NIM)
Marjin pendapatan bunga bersih Perusahaan meningkat sebesar Company’s net interest margin increased by 1.2% to 7.96% in 2013.
1,2% menjadi 7,96% di tahun 2013. Peningkatan tersebut terutama The increase was primarily due to a decrease in deposits, especially
disebabkan adanya penurunan DPK khususnya deposito berjangka deposits of 23.6%.
sebesar 23,6%.
172 Kriteria ARA No. IV.1, IV.2

Imbal Hasil Rata-rata Ekuitas - Return On Equity Return On Equity
Return On Equity (ROE) pada tahun 2013 meningkat menjadi 26,73% Return on Equity (ROE) in 2013 increased to 26.73% compared to
dibandingkan tahun sebelumnya sebesar 25,02%. Peningkatan the previous year by 25.02%. The increase was primarily due to an
tersebut terutama disebabkan oleh adanya peningkatan laba bersih increase in net income of 15.34% in the year 2013.
sebesar 15,34% di tahun 2013.
Imbal Hasil Aset - Return on Asset Return on Asset

Return On Asset pada tahun 2013 meningkat sebesar 0,15% Return on Assets in 2013 increased by 0.15% to 2.61% over the
menjadi 2,61% dibandingkan tahun sebelumnya yang sebesar previous year of 2.46%. The increase was due to the increase in net
Introduction
2,46%. Peningkatan tersebut disebabkan oleh kenaikan laba bersih income is higher than the increase in total assets..
yang lebih tinggi dibandingkan kenaikan jumlah aset.
Informasi keuangan bank bjb 2013 yang Financial information of bank bjb involving
mengandung kejadian luar biasa unusual events
Selama tahun 2013 terdapat beberapa kejadian yang bersifat During 2013 there were several extraordinary events that are impacting

luar biasa yang berdampak pada kinerja keuangan 2013. Kejadian the financial performance in 2013. The first event is the composition
Performance
yang pertama adalah perubahan susunan Direksi dan Dewan change of the Board of Directors and Board of Commissioners of
Komisaris bank bjb dan kelanjutan roadmap bank bjb menuju bank bjb and the continuation of bank bjb’s roadmap towards ‘A
‘A Strong Sustainable Growth and Profitable National Bank’ yang Strong Sustainable and Profitable Growth National Bank’ which
berdampak pada strategi dan fokus bisnis. impacted the business strategy and focus.
Pada tahun 2013 rasio CASA perusahaan mencapai 60,2% CASA ratio in 2013 reached 60.2% which exceeded the company’s
Good Corporate
Governance
melampaui target yang sebesar 37% (163% diatas target). target of 37% (163% above the target).
Dampak perubahan bunga atau perubahan lainnya The impact of changes in interest rates or other
yang sifatnya material terhadap pendapatan bersih changes that are material to the net income and
dan Laba Operasional dalam kurun waktu 2 tahun operating profit within the last 2 years.
terakhir
Corporate Social
Responsibility
Kebijakan BI untuk menaikkan suku bunga acuan BI rate pada The policy of BI to raise interest rates in 2013 was conducted based on
tahun 2013 lalu dilakukan atas pertimbangan masih besarnya the consideration of the amount of the current account deficit amid
defisit transaksi berjalan ditengah risiko ketidakpastian kondisi global global the high global uncertainty risks as well as to control inflation.
yang masih tinggi serta untuk mengendalikan inflasi. Untuk itu, To that end, the banking industry including bank bjb have responded
perbankan termasuk bank bjb telah merespon kebijakan tersebut to the policy by making several adjustments including adjustments
dengan melakukan beberapa penyesuaian diantaranya penyesuaian to lending and deposits. Mortgage rates have been adjusted several
suku bunga kredit dan DPK. Suku bunga KPR telah disesuaikan times and on December 2013, the position of the lending rates was
Consolidated
beberapa kali hingga pada Desember 2013 posisi suku bunga 9.00% for the bjb Primary fixed 1 year mortgage product, this is also
kredit menjadi 9,00% untuk produk bjb KPR Primary fixed 1 tahun, similar to the deposit rate which also experienced adjustments to the
demikian pula halnya dengan suku bunga deposito yang juga rate of 6.00% in December 2013 for the interest rates of bjb counter
mengalami penyesuaian hingga menjadi 6,00% pada Desember time rupiah deposits for the period of 1 month. The intense third
2013 untuk tingkat suku bunga counter bjb deposito berjangka party funds competition in the national banking has affected the
rupiah jangka waktu 1 bulan. Ketatnya persaingan DPK perbankan performance of bank bjb namely by the decline of third party funds
Corporate Data
nasional telah mempengaruhi kinerja bank bjb yaitu dengan accumulation by 1.65% YoY to Rp46.71 trillion. However, bank bjb
terjadinya penurunan penghimpunan DPK sebesar 1,65% YoY obtain the success in lending where credit growth of bank bjb as of
menjadi Rp46,71 triliun. Namun demikian, bank bjb meraih December 2013 ( YoY ) is in the amount of 28.34% which is higher
keberhasilan dalam penyaluran kredit dimana pertumbuhan kredit than the national banking credit growth by December 2013 (YoY),
bank bjb per Desember 2013 (YoY) yaitu sebesar 28,34% yang which only reaches 21.60%.
lebih tinggi dibandingkan dengan pertumbuhan kredit perbankan
nasional per Desember 2013 (YoY) yang hanya mencapai 21,60%.
173
Ikatan Material untuk Investasi Material Commitments in Investments

Di tahun 2013, bank BJB tidak memiliki ikatan investasi dalam barang As of 2013, bank BJB has no material ties in investment in capital
modal, kecuali dalam bentuk surat berharga. goods, except in securities.
Data penempatan dana pada bank lain dalam bentuk surat berharga Data of funds placement in other banks in the form of bonds issued
obligasi bank investasi per tanggal 31 Desember 2013: by other banks investments as of December 31, 2013:
Tanggal Date
Nominal
Valuta Rate P.A Penerbit
Surat Berharga Obligasi Terbit Jatuh Tempo Penempatan Securities Bond
Currency Rate Issuer
Publish Due Date Nominal Placement
Bank Panin Ii C 2007 19/06/2007 19/06/2014 IDR 6.000.000.000,00 11,000% Bank Panin Bank Panin Ii C 2007
Bank Bii Ia 2011 16/11/2011 06/12/2014 IDR 25.000.000.000,00 7,750% Bii Bank Bii Ia 2011
Bank Panin Seri 3 01/10/2009 06/10/2014 IDR 20.000.000.000,00 11,500% Bank Panin Bank Panin Seri 3
Cimb Niaga Iia 2013 06/11/2013 20/11/2015 IDR 25.000.000.000,00 8,750% Cimb Niaga Cimb Niaga Iia 2013
Bank Permata Ia 2013 18/12/2013 03/01/2015 IDR 30.000.000.000,00 10,000% Bank Permata Bank Permata Ia 2013
Bank Nagari Vi 2011 04/01/2011 13/01/2016 IDR 20.000.000.000,00 9,875% Bank Nagari Bank Nagari Vi 2011
Bank Sulut Iv 2010 22/02/2010 09/04/2015 IDR 20.000.000.000,00 12,000% Bank Sulut Bank Sulut Iv 2010
Bank Sulsel I 2011 A 29/04/2011 12/05/2014 IDR 10.000.000.000,00 9,500% Bank Sulselbar Bank Sulsel I 2011 A
Bank Dki Via 2011 11/05/2011 17/06/2014 IDR 24.000.000.000,00 9,250% Bank Dki Bank Dki Via 2011
Bank Sumut Iii 2011 01/07/2011 05/07/2016 IDR 15.000.000.000,00 10,125% Bank Sumut Bank Sumut Iii 2011
Bank Ntt I 2011 B 06/07/2011 08/07/2014 IDR 15.000.000.000,00 9,900% Bank Ntt Bank Ntt I 2011 B
Bank Riau I 2011 05/07/2011 08/07/2016 IDR 12.000.000.000,00 10,400% Bank Riau Bank Riau I 2011
Cimb Niaga Seri a 2011 19/12/2011 23/12/2014 IDR 25.000.000.000,00 7,375% Cimb Niaga Cimb Niaga Seri a 2011
Sub Ii Nagari 2012 15/05/2012 26/06/2019 IDR 20.000.000.000,00 10,150% Bank Nagari Sub Ii Nagari 2012
Btpn Ii 2012 19/07/2012 03/08/2015 IDR 20.000.000.000,00 7,750% Btpn Btpn Ii 2012
Bank Iii Lampung 2012 13/09/2012 09/10/2017 IDR 30.000.000.000,00 9,450% Bank Lampung Bank Iii Lampung 2012
Bank Panin I 2012 12/12/2012 20/12/2017 IDR 19.000.000.000,00 8,150% Bank Panin Bank Panin I 2012
Btpn I B 2009 01/10/2009 07/10/2014 IDR 5.000.000.000,00 12,000% Btpn Btpn I B 2009
Bank Nisp Ib 2013 12/02/2013 19/02/2015 IDR 50.000.000.000,00 6,900% Ocbc Nisp Bank Nisp Ib 2013
Bank Nisp Ia 2013 12/02/2013 01/03/2014 IDR 30.000.000.000,00 6,400% Ocbc Nisp Bank Nisp Ia 2013
Btpn I 2013 Seri A 04/06/2013 04/07/2016 IDR 10.000.000.000,00 7,750% Btpn Btpn I 2013 Seri A
Bank Danamon Iib 2010 08/11/2010 09/12/2015 IDR 20.000.000.000,00 9,000% Bank Danamon Bank Danamon Iib 2010
Penempatan dana pada bank lain dalam bentuk surat berharga Data of funds placement in other banks in the form of bonds issued
obligasi non bank investasi per tanggal 31 Desember 2013: by other non-banks investments as of December 31, 2013:
Tanggal Date
Nominal
Perum Pegadaian 23/08/2007 04/09/2017 IDR 2.000.000.000,00 10,025% Bank Panin Perum Pegadaian
Aneka Tambang 02/12/2011 14/12/2018 IDR 15.000.000.000,00 8,375% Bii Aneka Tambang
Perum Pegadaian 31/01/2012 14/02/2015 IDR 8.000.000.000,00 7,250% Bank Panin Perum Pegadaian
Indosat 18/04/2012 27/06/2019 IDR 25.000.000.000,00 8,625% Cimb Niaga Indosat
PNM 13/09/2012 12/10/2017 IDR 20.000.000.000,00 9,100% Bank Permata PNM
Danareksa 13/12/2012 09/01/2016 IDR 15.000.000.000,00 8,200% Bank Nagari Danareksa
Lpei Eximbank 13/11/2011 20/12/2014 IDR 50.000.000.000,00 7,000% Bank Sulut LPEI Eximbank
Perum Pegadaian 28/06/2013 13/07/2014 IDR 50.000.000.000,00 7,250% Bank Sulselbar Perum Pegadaian
Pln 09/01/2009 09/01/2014 IDR 7.000.000.000,00 14,750% Bank Dki PLN
Jasa Marga 24/09/2013 02/10/2014 IDR 25.000.000.000,00 8,400% Bank Sumut Jasa Marga
Jasa Marga 24/09/2013 27/09/2016 IDR 10.000.000.000,00 8,700% Bank Ntt Jasa Marga
Pemerintah 16/08/2004 15/10/2014 IDR 480.000.000.000,00 11,000% Bank Riau Government
Pemerintah 18/01/2005 15/06/2015 IDR 485.991.000.000,00 9,500% Cimb Niaga Government
Pemerintah 12/05/2005 15/05/2016 IDR 20.000.000.000,00 10,750% Bank Nagari Government
Pemerintah 08/01/2009 15/05/2014 IDR 20.000.000.000,00 11,250% Btpn Government
Pemerintah 03/08/2011 15/10/2014 IDR 627.765.000.000,00 7,300% Bank Lampung Government
Pemerintah 07/10/2013 15/10/2016 IDR 130.000.000.000,00 8,500% Bank Panin Government
Pemerintah 08/02/2013 27/02/2016 IDR 10.000.000.000,00 6,000% Ocbc Nisp Government

Tanggal Date
Nominal
Pemerintah 01/07/2013 03/07/2014 IDR 499.701.000.000,00 0,000% Ocbc Nisp Government

Pemerintah 09/07/2013 10/01/2014 IDR 24.898.000.000,00 0,000% Bank Danamon Government
Pemerintah 22/07/2013 24/01/2014 IDR 50.000.000.000,00 0,000% Government
Pemerintah 31/07/2013 21/02/2014 IDR 145.385.000.000,00 0,000% Government
Sumber dana yang digunakan dalam penempatan dana pada bank Source of funds used in the placement to other banks that are used
Introduction
lain Dana yang digunakan untuk penempatan dalam bentuk surat for placement of funds in the form of securities/ bonds, is derived
berharga/obligasi, berasal dari ekses likuiditas yang dikelola oleh from the excess liquidity which is managed by the Treasury Division.
Divisi Treasury. Penempatan dana dalam bentuk surat berharga/ Placement of funds in the form of securities/bonds, aiming to obtain
obligasi, bertujuan untuk memperoleh optimalisasi return. the optimized return.
Investasi barang modal yang direalisasikan Realization of Capital Investment
Performance
Tahun 2013 bank bjb membeli gedung kantor untuk kantor dengan In 2013, bank bjb acquired new office building using internal funds,
sumber dana internal perusahaan dan perusahaan telah membayar in which the Company has paid 40% and the remaining is paid in
40% dan sisanya dicicil selama 12 bulan dengan menggunakan installments in 12 months, using rupiah currency.
rupiah.
Informasi dan Fakta Material yang Terjadi Setelah Material Information and Facts Subsequent to
Good Corporate
Tanggal Laporan Akuntan Reporting Date
Governance
Pada tanggal 7 Februari 2014, Bank melakukan pelunasan saat jatuh As of February 7, 2014, the Bank made payment at maturity of Bond
tempo atas Obligasi VII bank bjb Seri A dengan nilai nominal sebesar VII bank bjb Series A with nominal value amounting to Rp276,000.
Rp276.000.
Informasi Transaksi Material yang Mengandung Information on Material Transaction containing

Benturan Kepentingan dan Transaksi dengan Pihak Conflicts of Interest and Transactions with
Corporate Social
Responsibility
Afiliasi Affiliated Parties
Dalam menjalankan kegiatan usahanya, bank bjb mempunyai In conducting its business, bank bjb has transactions with affiliates,
transaksi-transaksi dengan pihak yang mempunyai hubungan including lending, investments, and acceptance of demand deposits,
istimewa, yang meliputi pemberian kredit, penyertaan, serta savings and time deposits. Such above stated transactions are
penerimaan giro, tabungan dan deposito berjangka. Transaksi- implemented with the same terms and conditions and the same
transaksi tersebut di atas dilaksanakan dengan syarat dan kondisi time frame as to third parties, except for transaction fees for the
Consolidated
serta jangka waktu yang sama seperti kepada pihak ketiga, kecuali current accounts to the Government of West Java province, namely
transaksi pemberian jasa giro kepada Pemerintah Provinsi Jawa Barat a difference of 1.0% higher than given to any third party. The
yaitu terdapat perbedaan 1,0% lebih tinggi dari yang diberikan Government of West Java and Banten (Giro Kasda) is the company’s
kepada pihak ketiga. Pemerintah Jawa Barat dan Banten (giro kasda) customers that provides a great contribution both in terms of funds,
merupakan nasabah perusahaan yang memberikan kontribusi yang loans and equity.
besar baik dari sisi dana, kredit maupun ekuitas.
Corporate Data
Selain memiliki portofolio dana yang cukup besar di bank bjb, In addition to the large funds portfolio in bank bjb, contributed to
memberikan kontribusi terhadap perkembangan kredit konsumtif the development of a large consumer loan, where its employees may
yang besar, dimana para pegawainya dapat mengambil kredit take loans with the guarantee of salaries that have been managed
dengan jaminan gaji yang telah dikelola oleh bank bjb, Pemerintah by bank bjb, West Java Provincial Government is the Controlling
Provinsi Jawa Barat merupakan Pemegang Saham Pengendali bank Shareholder of bank bjb which has been extending a very high
bjb yang selama ini memberikan komitmen yang sangat tinggi commitment to the development of bank bjb. Given the large
terhadap perkembangan bank bjb. Dengan adanya kontribusi yang contribution to bank bjb, the fees for the current accounts had been
begitu besar terhadap bank bjb, maka pemberian jasa giro tersebut balanced compared to the third party.
telah seimbang dibandingkan dengan pihak ketiga.
Kriteria ARA No. V.5, V.6, V.8, V.15 175

Transaksi dengan pihak yang mempunyai hubungan istimewa Transactions with other related party is: The provision of loan to the
lainnya adalah: Pemberian kredit kepada karyawan dengan tingkat employees with a small interest rates compared to the interest rates
bunga yang kecil dibandingkan tingkat bunga yang dikenakan pada imposed on other debtors, interest rates on average per year in 2010
debitur lain, tingkat suku bunga rata-rata sebesar 6,50% dengan and 2011 is on average 6.50% of the monthly annuity for a period
jangka waktu berkisar antara 3 sampai dengan 20 tahun. Kredit ini ranging from 3 to 20 years. These loans are paid through monthly
dibayar kembali melalui pemotongan gaji setiap bulan. payroll deductions.
Transaksi dengan Pihak yang Mempunyai

Related Party Transaction
Hubungan Istimewa
Keterangan Description
2012 2013
Aset Asset
Kredit yang diberikan dan pembiayaan 194.835 929.108 Loans and financing
Penyertaan Saham 31.984 31.984 Equity participation
Total Aset dari pihak berelasi 226.819 961.092 Total assets from related party
CKPN (8.242) - CKPN
Total Aset dari pihak berelasi - neto 218.577 961.092 Total assets from related party - net
Presentase total pihak berelasi terhadap aset 0,31% 1,22% Percentage of related party to total assets
Liabilitas Liabilities
Simpanan dari nasabah 3.182.396 8.281.951 Customer deposits
Simpanan dari bank lain 184.358 144.875 Deposits from other banks
Dana Syirkah Temporer 2.555 5.774 Temporary Syirkah funds
Pinjaman yang diterima Borrowings
Total Liabilitas kepada pihak berelasi 3.369.309 8.432.600 Total liabilities to related party
Presentase total pihak berelasi terhadap liabilitas 5,20% 13,13% Percentage of related aprty to total liabilities
Pendapatan bunga dan bagi hasil Interest income and profit sharing
Kredit yang diberikan dan pembiayaan 28.320 137.406 Loans and financing
Penyertaan Saham 5.686 6.116 Equity participation
Total pendapatan bunga dan bagi hasil pihak berelasi 34.006 143.522 Total related party interest income and profit sharing
Presentase terhadap total pendapatan bunga dan bagi Percentage of related party to total interest income and
0,50% 1,77%
hasil profit sharing
Beban bunga dan bonus Interest expense and bonus
Simpanan dari nasabah 150.444 584.882 Customer deposits

Total Beban bunga dan bonus dari pihak berelasi 154.204 594.276 Total related party interst expense and bonus
Percentage of related party to total interest expense and
Persentase terhadap total bonus dan beban bunga 4,91% 17,74%
bonus
b. Transaksi dengan manajemen Kunci b. Transactions with key management personnel
Aset Assets
kredit yang diberikan dan piutang pembiayaan syariah 3.801 2.669 Loans and shariah financing receivables
Cadangan kerugian penurunan nilai (2) (39) Allowance for impairment reserves
Total kredit yang diberikan 3.799 2.630 Total loans disbursement
Persentase terhadap total aset 0,01% 0,00% Percentage to total assets
Simpanan dari nasabah 11.200 3.487.557 Customer deposits
Persentase terhadap total liabilitas 0,02% 5,43% Percentage to total liabilities
176
Transaksi dengan Pihak yang Mempunyai
Related Party Transaction
Hubungan Istimewa
Keterangan Description
2012 2013
Pendapatan bunga dan bagi hasil Interest Income and Profit Sharing
Kredit yang diberikan dan piutang pembiayaan syariah 51 372 Loans and shariah financing receivables
Persentase terhadap pendapatan bunga 0,00% 0,00% Percentage to interest income
Beban Bunga Interest Expense

Simpanan dari nasabah 1.249 243 Customer deposits
Introduction
Persentase terhadap beban bunga 0,04% 0,01% Percentage to Interest Expense
Transaksi dengan Pihak-pihak Berelasi Related Party Transaction

Sifat hubungan istimewa/
No. Pihak-pihak berelasi Transaksi/Transaction Related parties
Nature of relationship
1. Pemerintah Provinsi Jawa Barat Pemegang saham pengendali/ a. Giro/Demand deposits TheGovernment of the West
Performance
Controlling shareholders b. Simpanan nasabah/Deposits Java Province
from customers
c. Kredit yang diberikan/Loans
2. Manajemen kunci Direksi, Komisaris, Pemimpin Cabang, a. Kredit yang diberikan/Loans Key management personnel
Kepala Divisi serta anggota keluarga b. Simpanan nasabah/Deposits
dekat dengan orang-orang tersebut/ from customers
Directors, Commissioners, Heads of c. Kredit yang diberikan/Loans
Branches, Heads of Divisions and close
Good Corporate
members of the families of such
Governance
individuals
3. BPR dan PD-LPK Pengendalian bersama oleh pemerintah a. Penyertaan saham/ BPR and PD-LPK
provinsi dan kabupaten/Joint control by Investment in shares
the governments of the provinces and b. Simpanan dari bank lain/
regencies Deposits from other banks
4. PT Asuransi Bangun Askrida Penyertaan saham yang dicatat dengan a. Asuransi aset tetap/Fixed PT Asuransi Bangun Askrida
metode biaya/Investment which assets insurance
accounted under the cost method
Corporate Social
Responsibility
Investasi, ekspansi, divestasi, penggabungan/ Investment, expansion, divestment, acquisition,
peleburan usaha, akuisi, atau restrukturisasi utang/ debt/capital restructuring
modal
Tidak ada transaksi-transaksi investasi, ekspansi, divestasi, There were no investment, expansion, divestment, acquisition, debt/
penggabungan/peleburan usaha, akuisi, atau restrukturisasi utang/ capital restructuring transaction in 2013.
Consolidated
modal di tahun 2013.
Program Kepemilikan Saham (ESOP/MSOP) Stock Ownership Program (ESOP/MSOP)

Kepemilikan saham oleh karyawan dan manajemen dilakukan disaat Employee and management stock ownership program were
pelaksanaan IPO. Seluruh karyawan dan manajemen yang terdaftar conducted during the IPO. All employees and management listed as
sebagai karyawan bank bjb berhak mendapatkan sejumlah saham bjb bank employees are entitled to acquire a number of shares that
yang telah ditentukan sebelumnya. Penyertaan kepemilikan saham have been previously determined. This investment was made just one
Corporate Data
ini hanya dilakukan 1 (satu) kali disaat pelaksanaan IPO. during IPO.
Perubahan kebijakan akuntansi yang diterapkan Changes in accounting policies applied by the
perusahaan Company
Pada tahun 2013 tidak ada perubahan kebijakan akuntansi In 2013 there was no change in the accounting policies applied by
yang diterapkan oleh perusahaan. Saat ini perusahaan sedang the Company. Currently the Company is evaluating the change in
mengevaluasi perubahan kebijakan akuntansi sesuai dengan PSAK accounting policy in accordance with PSAK to be applied to the
untuk diterapkan pada tahun berikutnya. following year.
Kriteria ARA No. V.12, V.17 177

PROSPEK
PROSPEK USAHA
USAHA BUSINESS BUSINESS
PROSPECTS PROSPECTS
PROSPEK
USAHA
BUSINESS PROSPECTS

Introduction
Performance
Good Corporate
Governance
Pendahuluan Introduction
Pertumbuhan bank bjb dalam 5 tahun terakhir menunjukkan The growth of bank bjb in the last 5 years shows a positive
perkembangan yang positif, hal ini tercermin dari berbagai indikator development, this is reflected in various financial indicators which
keuangan yang telah dicapai oleh bank bjb. Pencapaian Aset yang have been achieved by bank bjb. Assets attainment that is above the
berada di atas rata-rata industri perbankan nasional merupakan average of the national banking industry is a reflection of the vision
Corporate Social
Responsibility
cerminan dari visi serta misi yang akan dicapai oleh bank bjb. and mission which will be achieved by bank bjb.
Pertumbuhan kredit yang meningkat dengan signifikan terutama The growth of credit which increased significantly, especially in KGB
pada kredit KGB dan KPR semakin menegaskan posisi bank and KPR further confirms the position of bank bjb as a consumer
bjb sebagai consumer banking, namun di sisi lain dengan banking, but on the other hand with the enforcement of PBI
diberlakukannya PBI No.14/26/2012 tentang Kegiatan Usaha dan No.14/26/2012 on Business Activities and Office Network Based
Jaringan Kantor Berdasarkan Modal Inti menuntut bank untuk on Core Capital demands the bank to adjust the composition of
Consolidated
menyesuaikan komposisi kredit produktif menjadi sebesar 65% pada productive credits to be as much as 65% by the end of June 2018, this
akhir Juni 2018, hal tersebut berdampak pada kebijakan penyaluran impacted on the credit disbursement policies which will have more
kredit yang akan lebih difokuskan kepada kredit produktif terutama focus on productive credit particularly in the SME credit segment.
pada kredit segmen UMKM.
Masuknya modal inti bank bjb dalam kategori BUKU III membuat The inclusion of bank bjb’s core capital in the BOOK III category make
Corporate Data
kegiatan usaha yang dapat dilakukan oleh bank bjb menjadi business activities which can be performed by bank bjb to expand,
lebih luas, serta dapat meningkatkan kepercayaan nasabah dalam as well as increasing the customers’ confidence in performing their
melakukan aktivitas kegiatan perbankannya melalui bank bjb. banking activities through bank bjb.
Dalam rangka mengantisipasi perkembangan-perkembangan In order to anticipate developments that have and will occur whether
yang telah dan akan terjadi baik itu perkembangan kebijakan dari it is the policy developments by the regulators or macro-economic
regulator maupun perkembangan ekonomi secara makro yang developments which may affect the business activities of the bank,
dapat mempengaruhi kegiatan bisnis bank, maka diperlukan suatu an Annual Board of Directors General Policy (KUDT) is needed as the
Kebijakan Umum Direksi Tahunan (KUDT) sebagai kerangka dasar basic framework of a strategic policy in implementing the strategies
kebijakan strategis dalam mengimplementasikan strategi bank bjb. of bank bjb.
179
PROSPEK USAHA BUSINESS PROSPECTS
Kebijakan Umum Direksi Tahunan (KUDT) Tahun 2014 merupakan The Annual Board of Directors General Policy (KUDT) of 2014 is the
dasar serta pedoman dalam penyusunan Rencana Bisnis bank bjb basis and guidelines for the preparation of the 2014 Business Plan
tahun 2014 dan merupakan landasan pelaksanaan tugas seluruh of bank bjb and is the foundation for the implementation of duties
jajaran organisasi baik di Kantor Pusat, Kantor Wilayah dan Kantor throughout the organization both at the Head Office, Regional
Cabang. Offices and Branch Offices.
Visi Vision
Menjadi 10 Bank Terbesar dan Berkinerja Baik di Indonesia To become the 10 Largest and Best Performing Bank in Indonesia
Misi Mission
1. Penggerak dan pendorong laju perekonomian di daerah 1. Initiator and accelerator of economy in the region
2. Melaksanakan penyimpanan uang daerah 2. Conducting retention of regional money
3. Salah satu sumber pendapatan asli daerah 3. One of the sources of local revenue
Corporate Plan Corporate Plan

Dalam rangka memberikan arah yang jelas dalam pencapaian visi, In order to provide a clear direction in achieving the vision, a corporate
maka ditetapkan suatu corporate plan dan strategi yang mengarahkan plan and strategy that directs the business development of bank bjb
pengembangan bisnis bank bjb, Manajemen telah menetapkan arah was established, management has set the achievement direction in
pencapaian dalam roadmap sebagai berikut: the following roadmap:
Pertumbuhan yang Kuat Berkelanjutan dan Bank Nasional yang Menguntungkan

A Strong Sustainable Growth and Profitable National Bank
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,
MATCHING THE 10 BIGGEST
IT INFRASTRUCTURE, AND
BANKS IN AREAS: LEADING IN SERVICE AND
ORGANIZATION FOR:
• HR COMPETENCE/IT PERFORMANCE NATIONAL BANK
• MICRO & SME FINANCING
• SERVICES
• CONSUMER & COMMERCIAL
• BANK BJB “INCORPORATED”
BANKING
• TREASURY & INTERNATIONAL
180
Kondisi Ekonomi Makro
Macro Economic Condition
Indikator Makro Sumber KemenKeu* Sumber BI** Asumsi bank bjb
No. Source of KemenKeu* Source of BI** bank bjb assumptions
Macro Indicator
1 Pertumbuhan Ekonomi/Economic Growth (%, y-o-y) 5,8% - 6,1% 5,8% - 6,2% 5,8% - 6,2%
2 Inflasi/Inflation (%, y-o-y) 4,5% - 5,5% 5,5% - 5,9% 5,5% - 5,9%
3 Nilai Tukar/Exchange Rate (Rp/US$1) 10.000 - 10.550 11.300 – 11.580 11.300 – 11.580
4 Pertumbuhan Ekspor/Export Growth 7,4% 6,9% - 7,4% 6,9% -7,4%
Introduction
5 Pertumbuhan Impor/Import Growth 7,5% 8,3% - 8,7% 8,0% - 8,5%
6 Pertumbuhan Investasi/Invest Growth 8,8% 6,3% - 6,7% 6,0% - 6,7%
7 Konsumsi Rumah Tangga/Household Consumption 5,3% 5,3% - 5,7% 5,0% - 5,7%
8 BI Rate (%) 6,5% 7% - 7,25% 7% - 7,25%
Performance
* Kerangka Ekonomi Makro dan Pokok-Pokok Kebijakan Fiskal Tahun 2014 & Outlook Asumsi * Macroeconomic Framework and Fiscal Policy Highlights of 2014 & Macro
Makro 2013 dan 2014 Kemenkeu Assumption Outlook of 2013 and 2014 of the Ministry of Finance
** Sumber data Laporan Kebijakan Moneter BI TW III 2013, 8 Oktober 2013 ** Data source 2013 Q3 BI Monetary Policy Report, October 8, 2013
Pertumbuhan Ekonomi Economic Growth

Pertumbuhan ekonomi di tahun 2014 diperkirakan akan mengalami Economic growth in 2014 is estimated to experience a slowdown
Good Corporate
perlambatan meskipun diproyeksikan tetap tumbuh positif. Faktor although it is projected to still grow positively. The contributing factor
Governance
penyebabnya adalah permintaan domestik sebagai salah satu is the domestic demand as a source of economic growth which is
sumber pertumbuhan ekonomi diprediksi akan tertahan karena predicted to be restrained because it is driven by the impact of the
didorong oleh dampak kegiatan persiapan Pemilu yang mulai Election preparation activities which began in the second half of
dilakukan pada semester II tahun 2013, penyebab lainnya adalah 2013, the other cause is the global economy that has not recovered,
masih belum pulihnya perekonomian global yang berdampak pada impacting the Indonesian exports which experienced a sizeable
ekspor Indonesia mengalami kontraksi cukup besar selama tahun contraction during 2013 and is expected to continue to 2014.
Corporate Social
Responsibility
2013 dan diprediksi akan terus berlanjut ke tahun 2014.
Proyeksi pemerintah untuk pertumbuhan ekonomi berada di kisaran The projections of the Government for economic growth in the range
5,8%-6,1% sedangkan Bank Indonesia untuk tahun 2014 berada of 5.8%-6.1% while Bank Indonesia for 2014 in the range 5.8% -
di kisaran 5,8%-6,2%, namun dengan memperhatikan tekanan 6.2%, however, by taking the current national economic pressures
perekonomian nasional saat ini, pertumbuhan dapat lebih rendah into consideration which showed lower growth than the previously
dari perkiraan sebelumnya. Pada tahun 2013, ekonomi Indonesia forecasted. In 2013, Indonesia’s economic growth slowed to 5.8%
tumbuh melambat menjadi 5,8% (YoY) pada Triwulan II 2013, serta (YoY) in the second quarter of 2013, and 5.9% (YoY) in the third Consolidated
5,9% (YoY) pada Triwulan III tahun 2013. quarter of 2013.
Ekspor tumbuh positif namun belum cukup kuat menopang Export grew positively but not strong enough to support the economic
pertumbuhan ekonomi akibat masih melemahnya permintaan growth due to the weak demand of the global economy. Exports that
ekonomi global. Ekspor yang belum kuat serta melemahnya daya is yet to be strong and the weakening purchasing power due to the
Corporate Data
beli akibat inflasi yang meningkat berpengaruh kepada perlambatan rising inflation rising influence slowdown in household consumptions
konsumsi rumah tangga dan juga investasi non bunga. Ke depan as well as non-interest investments. In the future, economic growth
risiko pertumbuhan ekonomi masih tetap besar, secara keseluruhan risks remains to be large, overall Bank Indonesia predicts the 2013
Bank Indonesia memperkirakan pertumbuhan ekonomi tahun 2013 economic growth to the lower limit in the range of 5.8%-6.2%.
menuju batas bawah dengan kisaran 5,8%-6,2%.
Hal ini tentu akan berpengaruh kepada kinerja perbankan khususnya This will surely affect the performance of banking particularly
pertumbuhan kredit, sehingga pertumbuhan kredit bagi bank bjb in credit growth, thus credit growth for bank bjb shall be done
harus dilakukan secara konservatif. conservatively.
181
Inflasi Inflation
Tekanan inflasi pada tahun 2014 diperkirakan relatif mereda, seiring Inflationary pressures in 2014 is estimated to be relatively subside,
dengan kecenderungan penurunan tekanan harga-harga komoditas. in line with the downward trend in commodity prices. The impact of
Dampak dari kenaikan BBM terhadap inflasi diproyeksikan akan fuel price hike on inflation is projected to take place on a temporary
berlangsung secara temporer selama tiga bulan pertama di tahun basis during the first three months of 2013.
2013.
Pemerintah dan Bank Indonesia menetapkan target inflasi tahun The government and Bank Indonesia set a 2014 inflation target in
2014 di kisaran 5,5%-5,9%. Dengan inflasi di kisaran 5,5%-5,9%, the range of 5.5%-5.9%. With inflation in the range of 5.5%-5.9%,
bagi kinerja perbankan diharapkan dapat tetap tumbuh meskipun banking performance is expected to continue to grow despite the
gejolak ekonomi tahun 2014 akan lebih sulit diprediksi. Inflasi yang economic turmoil in 2014 which will be more difficult to predict.
stabil diharapkan membuat Bank Indonesia dalam menetapkan Stable inflation is expected to make Bank Indonesia set the level of
tingkat rate SBI dapat tetap terjaga dikisaran 7,00%-7,25%, karena the SBI to be maintained in the range of 7.00%-7.25%, as it will
akan berpengaruh bagi bank dalam menetapkan tingkat suku bunga affect the banks in setting interest rates both in credit and deposits.
baik kredit maupun dana pihak ketiga.
Nilai Tukar Exchange Rates

Bank Indonesia memperkirakan nilai tukar Rupiah terhadap Bank Indonesia estimates of the exchange rates of rupiah against
US$ tahun 2014 berada dikisaran Rp11.300-Rp11.580, lebih the US$ in 2014 to be in the range of Rp11,300-Rp11,580, higher
tinggi dibandingkan perkiraan tahun 2013 dikisaran Rp9.500- than the estimates in 2013 which was in the range of Rp9,500-
Rp9.600. Rp9,600.
Dengan gejolak kurs yang belum menemukan titik kestabilan With the exchange rate volatility that have yet to find a point of
ditambah dengan sistem devisa bebas (free-floating) diterapkan stability coupled with the free foreign exchange system (free-floating)
oleh Pemerintah Indonesia, berdampak pada kegiatan perbankan applied by the Government of Indonesia, impacting the banking
di bidang treasury. Pada dasarnya produk treasury perbankan activities in the field of treasury. Basically banking treasury products
sebagian besar berada pada Valuta Asing, Obligasi dan Derivative, are mostly located in Foreign Exchange, Bonds and Derivatives, but
tetapi khusus Valas kemampuan bank untuk mengatur risiko nilai specifically for foreign exchange, the bank’s ability to manage the
tukar merupakan faktor yang penting. Meskipun risiko nilai tukar exchange rate risk is an important factor. Although the exchange
sangat tinggi tetapi peluang ini cukup menjanjikan karena terus rate risk is very high, this opportunity is promising because of the
meningkatnya aktivitas ekspor dan impor Indonesia. increasing activity of Indonesian exports and imports.
Kecenderungan nilai tukar yang ber-volatilitas secara kontinyu The tendency of volatile foreign exchanges continually remains a
tetap menjadi perhatian bank bjb dalam aktivitas treasury maupun concern of bank bjb in treasury activities and foreign currency loans,
penyaluran kredit mata uang asing terutama US$ yang bertujuan especially the US$ which aims to minimize the default risk as well
meminimumkan risiko gagal bayar serta meningkatkan pengawasan as increasing oversight to borrowers with business areas that are
kepada debitur yang memiliki bidang usaha sensitif terhadap risiko sensitive to foreign exchange rate risk.
nilai tukar mata uang asing.
Pertumbuhan Ekspor Export Growth

Pemerintah memperkirakan pertumbuhan ekspor tahun 2014 The government estimates export growth in 2014 to be 7.4%,
sebesar 7,4% naik dibanding perkiran tahun 2013 sebesar 6,6%, an increase compared to the 2013 estimate of 6.6%, while Bank
sedangkan Bank Indonesia memperkirakan pertumbuhan ekspor Indonesia expects export growth in 2014 to be 6.9%-7.4%, lower
tahun 2014 sebesar 6,9%-7,4%, turun dibanding perkiraan tahun than the 2013 estimate of 10.2%-11.2%.
2013 sebesar 10,2%-11,2%.
Pertumbuhan Impor Import Growth

Pemerintah memperkirakan pertumbuhan impor tahun 2014 The government estimates imports growth in 2014 to be 7.5%,
sebesar 7,5%, naik dibanding perkiraan tahun 2013 sebesar 6,19%, an increase compared to the 2013 estimate of 6.19%, while Bank
sedangkan Bank Indonesia memperkirakan pertumbuhan impor Indonesia expects 2014 import growth in 2014 to be 8.3%-8.7%.
tahun 2014 sebesar 8,3%-8,7%.
182
Pertumbuhan Investasi Investment Growth
Pertumbuhan investasi di tahun 2014 akan mengalami sedikit Investment growth in 2014 will experience a slight slowdown.
perlambatan. Meskipun ekonomi global sedang mengalami Although the global economy is in recovery, the Indonesian economy
pemulihan, tetapi ekonomi Indonesia diprediksi akan tetap is expected to remain under pressure, due to the exchange rate
mengalami tekanan, karena disebabkan nilai tukar rupiah terhadap against the US dollar that has not been stable as well as inflation
US Dollar belum stabil serta gejolak inflasi yang masih belum kembali volatility that has not returned to its stable rate in the range of 5%.
ke angka yang stabil di kisaran 5%.
Proyeksi Pemerintah terhadap pertumbuhan investasi tahun 2014 The Government Projections on the growth of investment in 2014 is
Introduction
sangat optimis yaitu diprediksi sebesar 8,8%, sedangkan Bank very optimistic, predicted at 8.8%, while Bank Indonesia estimates
Indonesia memperkirakan di kisaran 6,3%-6,7% tetapi meskipun it in the range of 6.3%-6.7%, nevertheless, the projection for the
demikian proyeksi untuk akhir tahun 2013 adalah sebesar 5,9% atau end of 2013 amounted to 5.9% or a decrease compared to the
mengalami penurunan dibandingkan dengan realisasi 2012 sebesar realization in 2012 with a 9.8%. Thus, in 2014, investments will
9,8%. Sehingga kemungkinan di tahun 2014 investasi akan berjalan probably be conducted more carefully.
secara lebih hati-hati.

Performance
Seiring dengan melambatnya investasi, maka bank bjb memproyeksi In line with the slowing of investment, bank bjb projected the credit
pertumbuhan kredit berbasis investasi akan tumbuh secara growth based on investment will grow conservatively.
konservatif.
Konsumsi Rumah Tangga Household Consumption

Konsumsi rumah tangga sebagai salah satu faktor penunjang dalam Household consumption as one of the supporting factor in
Good Corporate
Governance
pertumbuhan ekonomi, diperkirakan berada di kisaran 5,3%, economic growth, is estimated to be in the range of 5.3%, while
sedangkan Bank Indonesia memprediksi di kisaran 5,3%-5,7%. Bank Indonesia estimates it in the range of 5.3%-5.7%. Household
Pertumbuhan konsumsi rumah tangga akan diprediksi berjalan stabil consumption growth is predicted to be stable due to several factors,
karena beberapa faktor diantaranya, jumlah penduduk Indonesia among others, the immense population of Indonesia as well as the
yang banyak serta faktor demografi. demographic factors.
Corporate Social
Responsibility
Peluang untuk memperluas kredit berbasis konsumtif tetap akan Opportunities to expand consumer-based loans will remain widely
terbuka luas bagi bank bjb untuk melakukan ekspansi, selain open for bjb bank in conducting expansions, in addition to the
faktor demografi dan penduduk adalah faktor pemilu yang akan demographic and population factors, the factor of election will
memberikan daya dorong tersendiri bagi pertumbuhan konsumsi provide its own boost to the growth of household consumption.
rumah tangga. Aktivitas kampanye oleh partai-partai dan juga para Campaign activities by parties and candidates will also encourage
kandidat akan mendorong kegiatan ekonomi yang pada gilirannya economic activities which in turn will provide additional income for
akan memberikan tambahan pendapatan bagi masyarakat dan the community and the economy.
Consolidated
perekonomian.
Kinerja bank bjb Performance of bank bjb
Kinerja bank bjb (2011-2013) (dalam miliar Rupiah)

Performance of bank bjb (2011-2013) (in billion Rupiah)
Rata-Rata Pertumbuhan
Corporate Data
Rata-Rata Pertumbuhan bank bjb Perbankan Nasional

Pos-Pos 2010 2011 2012 Average Growth of bank bjb Average Growth of Banking
Industry
Aset bank bjb/Assets 52.103 66.994 66.720 13,16% 16,46%
DPK bank bjb/Third Party Fund 37.008 47.547 44.184 12,41% 14,70%
- Giro/Demand Deposit 10.961 14.528 16.361
- Tabungan/Savings 6.034 8.699 9.200
- Deposito/Time Deposit 20.014 24.320 18.624
Kredit bank bjb/Loans 26.998 35.229 45.110 29,26% 22,34%

- Komersial/Commercial 4.402 6.337 6.989
- Mikro/Micro 2.975 4.545 5.353
- Konsumtif/Consumptive 19.168 22.626 28.857
- KPR/Mortgage 452 1.721 3.911
183
Kinerja bank bjb selama tiga tahun terakhir mengalami pertumbuhan The performance of bank bjb during the last three years experienced
baik dari segi aset maupun indikator keuangan lainnya. Pertumbuhan grown both in terms of assets and other financial indicators. Assets
aset selama tiga tahun terakhir adalah sebesar 26,3% atau lebih growth over the past three years is in the amount of 26.3% or
besar dari pertumbuhan aset perbankan nasional yaitu sebesar 19%. greater than the national growth of banking assets in the amount of
Pertumbuhan aset yang meningkat tersebut diikuti oleh pertumbuhan 19%. Increased assets growth was followed by the growth of third
dana pihak ketiga yang turut mendongkrak aset selama tiga tahun party funds which also helped boost assets over the last three years
terakhir dengan tumbuh sebesar 24% atau lebih tinggi dari rata-rata with growth of 24% or higher than the national banking average
perbankan nasional sebesar 17,4%. of 17.4%.
Sedangkan untuk kredit selama tahun 2013 mengalami kenaikan Meanwhile, credit growth during 2013 increased by 28.65%. But
pertumbuhan sebesar 28,65% (YoY). Tetapi pertumbuhan kredit the significant loan growth was followed by an increase in gross NPL
yang cukup signifikan diikuti dengan peningkatan NPL gross pada in the June 2013 position of 2.31%, or up by 0.9% compared to the
posisi Juni 2013 sebesar 2,31% atau naik 0,9% dibanding posisi Juni position in June 2012 which was 1.41%.
2012 yaitu sebesar 1,41%.
Dampak dari kebijakan ekonomi dan kebijakan moneter yang The impact of economic and monetary policies implemented by the
diterapkan oleh pemerintah telah berimbas terhadap kinerja government have impacted on the performance of bank bjb during
bank bjb selama tahun 2013 ini, karena itu langkah-langkah 2013, therefore, strategic measures to maintain the sustainability of
strategis untuk menjaga sustainability bank bjb terus dilakukan bank bjb continue to be carried out enabling it to keep growing in
agar tetap tumbuh di tengah ketidakpastian perekonomian baik the midst of economic uncertainty both globally and domestically,
global maupun dalam negeri antara lain dengan menjaga kesehatan among others by maintaining a healthy NPL credit in the safe and
NPL kredit berada dijalur yang aman serta efisiensi Biaya Operasional efficient track as well as Operational Cost efficiency to maintain the
untuk menjaga pencapaian target laba. achievement of the profit targets.
Pertumbuhan bank bjb dalam 5 tahun terakhir menunjukan The growth of bank bjb in the last 5 years shows a positive
perkembangan yang positif, hal ini tercermin dari berbagai indikator development, this is reflected in various financial indicators which
keuangan yang telah dicapai oleh bank bjb. Pencapaian Aset yang have been achieved by bank bjb. Assets Attainment that is above
berada di atas rata-rata industri perbankan nasional merupakan the national banking industry average is a reflection of the vision and
cerminan dari visi serta misi yang akan dicapai oleh bank bjb. mission which will be achieved by bank bjb.
Pertumbuhan kredit yang meningkat dengan signifikan terutama The growth of credit which increased significantly, especially in KGB
pada kredit KGB dan KPR semakin menegaskan posisi bank and KPR further confirms the position of bank bjb as a consumer
bjb sebagai consumer banking, Namun di sisi lain dengan banking, but on the other hand with the enforcement of PBI
diberlakukannya PBI No.14/26/2012 tentang Kegiatan Usaha dan No.14/26/2012 on Business Activities and Office Network Based
Jaringan Kantor Berdasarkan Modal Inti menuntut bank untuk on Core Capital demands the bank to adjust the composition of
menyesuaikan komposisi kredit produktif menjadi sebesar 65% pada productive credits to be as much as 65% by the end of June 2018, this
akhir Juni 2018, hal tersebut berdampak pada kebijakan penyaluran impacted on the credit disbursement policies which will have more
kredit yang akan lebih difokuskan kepada kredit produktif terutama focus on productive credit particularly in the SME credit segment.
pada kredit segmen UMKM.
184
Proyeksi Rencana Bisnis (Prioritas Rencana Business Plan Projection (Business Plan
Bisnis) Priority)
Aset Assets
Posisi aset bank bjb di tahun 2013 sebesar Rp66,9 triliun dengan The assets position of bank bjb in 2013 amounted to Rp66.9 trillion,
rata-rata pertumbuhan aset dari tahun 2011-2013 sebesar 13,16%. with the average assets growth from year 2011-2013 in the amount
of 13.16%.
Memperhatikan kondisi ekonomi makro dan upaya stabilisasi Taking into account the macro-economic conditions and economic
Introduction
ekonomi yang diperkirakan masih akan berlangsung hingga 2014, stabilization efforts which is expected to last up to 2014, and based
serta berdasarkan proyeksi pertumbuhan ekonomi Indonesia yang on the projected growth of the Indonesian economy which will reach
akan mencapai kisaran 5,8%-6,2%, maka target pertumbuhan aset the range of 5.8% - 6.2%, the target assets growth in 2014 can
tahun 2014 diarahkan untuk dapat meningkatkan market share be directed to increase the market share in the amount of 1.45%
sebesar 1,45% melalui pertumbuhan aset sebesar 10%. through assets growth of 10%.
Penghimpunan Dana Pihak Ketiga Third Party Funds
Performance
Dana Pihak ketiga bank bjb pada tahun 2013 sebesar Rp44,18 triliun. Third Party Funds of bank bjb in 2013 amounted to Rp44.18 trillion.
Proyeksi DPK tahun 2013 diperkirakan sebesar Rp53,6 triliun. The deposits projection in 2013 was estimated at Rp53.6 trillion.
Target DPK pada tahun 2014 bank bjb dapat meningkatkan DPK The deposits target of bank bjb in 2014 is to be able to increase by
sebesar 12% dengan proyeksi market share 1,45%. 12% with a projected market share of 1.45%
Good Corporate
Governance
Adapun komposisi Dana Pihak Ketiga Tahun 2014 sebagai berikut: The composition of Third Party Funds in 2014 is as follows:
- Giro sebesar 27% - Giro in the amount of 27%
- Tabungan sebesar 16% - Savings in the amount of 16%
- Deposito sebesar 57% - Deposits in the amount of 57%
Penyaluran Kredit Lending
Corporate Social
Responsibility
Posisi kredit bank bjb pada tahun 2013 sebesar Rp45,11 triliun The credit position of bank bjb in 2013 amounted to Rp45.11 trillion,
dengan rata-rata pertumbuhan kredit selama tiga tahun terakhir with an average lending growth over the last three years by 29.26%
sebesar 29,26% masih di atas rata-rata kredit perbankan nasional which is still above the national banking lending average in the same
pada periode yang sama sebesar 22,39%. period of 22.39%.
Sejalan dengan pertumbuhan ekonomi yang diprediksi akan In line with economic growth that is expected to slowdown in 2014
melambat di tahun 2014 sebagai bentuk relaksasi kebijakan fiskal as a form of relaxation of fiscal and monetary policy in 2013 coupled
Consolidated
dan moneter di tahun 2013 ditambah dengan Pemilu, maka with the election, and to ensure the bank’s loan growth to remain
untuk menjaga pertumbuhan kredit tetap sehat bank bjb harus healthy, bank bjb must increase the lending growth by 16% with a
meningkatkan pertumbuhan kredit sebesar 16% dengan proyeksi projected market share of 1.33%.
market share 1,33%.
Dalam penentuan komposisi kredit didasarkan kepada action Determination of the loan composition is based on the action plan
Corporate Data
plan terhadap PBI No.14/26/2012 yang telah disampaikan ke to PBI No.14/26/2012 which have been submitted to Bank Indonesia
Bank Indonesia untuk tahun 2014 komposisi kredit produktif dan for 2014 the composition of productive and consumptive credit
konsumtif adalah 30% dan 70%. respectively by 30% and 70%.
185
Adapun komposisi kredit tahun 2014 adalah sebagai berikut: The composition of loans in 2014 is as follows:
- Komersial 16% - Commercial 16%
- Mikro 14% - Micro 14%
- Konsumer 60% - Consumer 60%
- KPR 10% - KPR (mortgage) 10%
Dengan meningkatnya ekspansi penyaluran kredit di tahun 2014, With the increasing expansion of lending in 2014, the Gross NPL
maka target NPL Gross diperkirakan sebesar 2,49%. target is estimated at 2.49%.
Proyeksi Rencana Bisnis tahun 2014

2014 Projection Business Plan
Percentase
Uraian Description
Percentage
A ASET ASSETS
Pertumbuhan Aset 10% Asset Growth
Market Share 1,45% Market Share
B DANA PIHAK KETIGA Third Party Fund
Pertumbuhan DPK 10% Growth DPK
Komposisi Berdasarkan Produk Composition by Products
a. Giro 27% a. Current Accounts
b. Tabungan 16% b. Saving Accounts
c. Deposito 57% c. Deposits
C Kredit Yang Diberikan Loans
Pertumbuhan Kredit 16% Growth Credit
D Komposisi Berdasarkan Segmentasi Composition by Segmentation
a. Kredit Komersial 16% a. Commercial Loans
b. Kredit Mikro 14% b. Micro Loans
c. Kredit Konsumer 60% c. Consumer Loans
d. Kredit KPR 10% d. Mortgage
E Komposisi Berdasarkan Jenis Penggunaan Composition by Usage
a. Kredit Konsumsi 70% a. Consumptive Loans
b. Kredit Produktif 30% b. Productive Loans

Percentase
Uraian Description
Percentage
F NPL NPL
a. NPL Gross 2,49% a. NPL Gross
G Permodalan Capital
a. CAR 15,04% a. CAR
Introduction
H Rentabilitas Profitability
a. ROE 24,48% a. ROE
b. ROA 2,30% b. ROA
c. NIM 7,29% c. NIM
Performance
d. BOPO 78,98% d. BOPO
I Likuiditas liquidity
a. LDR 88,31% a. LDR
Good Corporate
Governance
RENCANA TERHADAP ANAK PERUSAHAAN/ PLAN FOR SUBSIDIARIES/ASSOCIATED COMPANIES
PERUSAHAAN ASOSIASI
Perseroan memiliki sejumlah rencana usaha terhadap anak The Company has a number of business plans to the subsidiaries that
perusahaan yang diharapkan mampu menunjang kinerja konsolidasi are expected to be able to support the consolidated performance of
bank bjb. Terkait dengan rencana ini, ada empat hal utama yang bank bjb. In relations to this plan, there are four main things which
Corporate Social
Responsibility
akan dilakukan, yaitu: sinergi bisnis, integrasi sistem, peningkatan will be conducted, namely: business synergy, system integration,
penyertaan modal, serta akuisisi. increase capital investments, as well as acquisitions.
1. Sinergi Bisnis 1. Business Synergy

Ada dua tujuan utama terkait dengan sinergi antara Perseroan There are two main objectives related to the synergy between the
dengan anak perusahaan, yaitu demi meningkatkan profitabilitas Company and the subsidiaries, namely to increase profitability as
Consolidated
serta diversifikasi layanan dan produk. well as to diversify products and services.
Program yang akan dijalankan adalah: Programs which will be conducted are:
A. Terhadap bank bjb Syariah A. To bank bjb Syariah

Manfaat dari kerja sama dengan bank bjb Syariah ini, yaitu The benefit of the cooperation with bank bjb Syariah,
adanya diversifikasi layanan dan produk, serta meningkatkan namely the diversification of products and services, as well
Corporate Data
profitabilitas bank bjb dari dividen. Adapun program yang as increasing the profitability of bank bjb from dividends.
akan dilakukan: While the programs which will be carried out:
A.1. Menambah gerai syariah di beberapa kantor cabang A.1. Adding sharia outlets at several bank bjb branch
bank bjb. offices.
A.2. Proses kerja sama host to host antara bank bjb A.2. Host to host cooperation process between bank bjb
dengan bank bjb Syariah. and bank bjb Syariah.
B. Terhadap PT Asuransi Bangun Askrida B. To PT Asuransi Bangun Askrida

Manfaat kerja sama dengan entitas anak ini, selain berpotensi The cooperation benefit with this subsidiary entity, in
meningkatkan profitabilitas bank bjb dari dividen, juga addition to have the potentials to improve profitability of
dapat mendukung peningkatan penghimpunan dana pihak bank bjb from dividends, it can also support the increase of
ketiga (DPK). Programnya adalah: third party funding (DPK). The programs are:
187
B.1. Pertanggungan atas kredit KGB, KPR, garansi bank, B.1. Insurance on KGB loan, KPR loan, bank guarantee,
dan mikro di bank bjb. and micro at bank bjb.
B.2. Penempatan dana Askrida di bank bjb. B.2. Placement of Askrida funds in bank bjb.
C. Terhadap BPR C. To BPR

Kerja sama terhadap anak perusahaan BPR, terutama akan Cooperation to the BPR subsidiary, will mainly contribute
memberikan kontribusi pada peningkatan profitabilitas bank to the profitability improvement of bank bjb from interest
bjb dari penerimaan bunga kredit dan penerimaan dividen. income and dividends income. Programs which will be
Program yang akan dilakukan: conducted:
C.1. Penyaluran kredit linkage program dan kredit C.1. Linkage program credit channeling and executing
eksekuting (rekening koran). credit (current account).
C.2. Kerja sama host to host antara bank bjb dan BPR C.2. Host to host between bank bjb and the subsidiary
perusahaan anak. BPR.
2. Integrasi Sistem 2. System Integration

Perseroan juga berencana melakukan penggabungan sistem The company also plans to merge the systems existing in bank
antara yang ada di bank bjb dengan entitas anak. Hal ini bjb and subsidiary entities. This is conducted with the objective
dilakukan dengan tujuan mempermudah dalam hal pengelolaan to facilitate in terms of data management.
data.

Selain itu, integrasi sistem ini akan mendukung kerja sama In addition, the integration of these systems will support the host
host to host antara bank bjb dengan anak perusahaan. Hal itu to host cooperation between bank bjb with subsidiaries. This is
dilakukan melalui switching system. performed through the switching system.
3. Penambahan Setoran Modal 3. Increase Capital Investments

Terkait dengan rencana bank bjb untuk memperkuat dan In relations to bank bjb’s plan to strengthen and improve the
meningkatkan aset serta penerimaan dividen, Perseroan assets as well as the receipt of dividends, the Company plans
berencana melakukan penambahan penyertaan modal terhadap to increase the capital investments to the subsidiaries as well as
entitas anak perusahaan serta perusahaan terafiliasi. Sesuai affiliated companies. In accordance with the 2014 RBB, this will
dengan RBB 2014, hal itu akan dilakukan sebagai berikut: be conducted as follows:
Juta Rp Million Rp
Rencana Tambahan Penyertaan

Modal 2014
Entitas Anak Perusahaan Subsidiary Entity
2014 Increase Capital Investments
Plan
BPR 30.650 BPR
Total Penyertaan 135.650 Total Penyertaan
A. Terhadap bank bjb Syariah A. To bank bjb Syariah

Rencana penambahan setoran modalnya sebesar Rp100 miliar. The plan to increase its capital investments in the amount of
Hal ini dilakukan untuk penguatan struktur modal bank bjb Rp100 billion. This is conducted to strengthen bank bjb’s capital
pada bjb Syariah, sekaligus menunjang peningkatan modal structure at bjb Syariah, simultaneously supporting the increased
disetor anak perusahaan tersebut, menjadi sedikitnya sebesar of paid-up capital of the subsidiary, to be at least in the amount
Rp1.000.000.000.000 (satu triliun rupiah), paling lambat 10 of Rp1,000,000,000,000 (one trillion rupiah), no later than 10
tahun setelah izin diberikan. Hal ini sesuai dengan Peraturan years after the permit has been granted. This is in accordance
Bank Indonesia (PBI) No. 11/10/PBI/2009 tentang Unit Usaha to the Regulation of Bank Indonesia (PBI) No. 11/10/PBI/2009 on
Syariah, Pasal 45 Ayat 4. Sharia Business Unit, Article 45 Paragraph 4.
188
B. Terhadap BPR B. To BPR
Pada tahun 2014, Perseroan juga berencana menambah modal In 2014, the Company also plans to increase the paid-up capital
disetor terhadap BPR yang ada, baik anak perusahaan maupun to the existing BPR, both subsidiaries or non subsidiaries. This is
non-anak perusahaan. Hal in dilakukan atas dasar Peraturan performed based on the Regional Regulation of the Province of
Daerah Provinsi Jawa Barat No. 30 tahun 2010 dalam upayanya West Java No. 30 of 2010 in its efforts to improve competitiveness,
meningkatkan daya saing usaha, koordinasi dan efisiensi, serta coordination and efficiency, as well as to streamline monitoring
untuk mengefektifkan pengawasan dan membantu Pemerintah and assist the Regional Government in encouraging the people’s
Daerah dalam menggerakan ekonomi kerakyatan. economy.
Penyertaan modal tersebut diprioritaskan kepada BPR dengan The capital investments is prioritized to BPRs with good financial
Introduction
kondisi kinerja keuangan yang bagus. Total anggaran untuk performance conditions. The total budget for the additional
tambahan setoran BPR anak perusahaan dan non anak subsidiary and non subsidiary BPRs deposits is in the amount of
perusahaan adalah sebesar Rp.30.650.000.000 (tiga puluh Rp30,650,000,000 (thirty billion six hundred fifty million rupiah)
miliar enam ratus lima puluh juta rupiah), dengan rincian sebagai with the following details:
berikut:
Performance
Dalam Ribuan Rp In Thousands Rp
Kewajiban
Modal Disetor Modal Disetor
Nama Lembaga Kabupaten Kekurangan
Paid-in Capital Obligation
Name of Institution Regency Shortage
Paid-in Capital
Good Corporate
Governance
Nominal % Nominal % Real Pembulatan
BPR Perusahaan Anak/BPR Subsidiary
PD. BPR LPK Warungkondang Subang 7.955.000 51,00% 12.255.000 61,59% (4.300.000) (4.300.000)
PD. BPR LPK Garut Kota Garut 8.232.500 46,50% 11.532.500 54,91% (3.300.000) (3.300.000)
BPR Non Perusahaan Anak/ BPR Non Subsidiary
Corporate Social
Responsibility
PD. BPR LPK Warungkondang Cianjur 2.816.365 12,69% 23.460.000 51,00% (20.643.635) (20.650.000)
PD. BPR LPK Saketi Pandeglang 150.000 8,06% 300.000 15,00% (150.000) (150.000)
PD. BPR LPK Arahan Kidul Indramayu 210.000 10,99% 300.000 15,00% (90.000) (90.000)
PD. BPR LPK Kroya 210.000 10,99% 300.000 15,00% (90.000) (90.000)
Consolidated
PD. BPR LPK Balongan 210.000 10,99% 300.000 15,00% (90.000) (90.000)
PD. BPR LPK Cantigi Kulon 210.000 10,99% 300.000 15,00% (90.000) (90.000)
PD. BPR LPK Sukra 210.000 10,99% 300.000 15,00% (90.000) (90.000)
PD. BPR LPK Bongas 210.000 10,99% 300.000 15,00% (90.000) (90.000)
PD. BPR LPK Leuwiliang Bogor 165.000 4,63% 600.000 15,00% (435.000) (435.000)
Corporate Data
PD. BPR LPK Citeureup 165.000 4,63% 600.000 15,00% (435.000) (435.000)
PD. BPR LPK Pancoran Mas 420.000 10,99% 600.000 15,00% (180.000) (180.000)
PD. BPR LPK Sawangan 420.000 10,99% 600.000 15,00% (180.000) (180.000)
PD. BPR LPK Parung Panjang 420.000 10,99% 600.000 15,00% (180.000) (180.000)
PD. BPR LPK Cipatujah Tasikmalaya 600.000 7,27% 900.000 10,53% (300.000) (300.000)
Total 22.603.865 10,99% 53.247.500 15,00% (30.643.635) (30.650.000)
189
C. Terhadap PT Asuransi Bangun Askrida C. To PT Asuransi Bangun Askrida

Pada tahun 2008, Perseroan telah menyetorkan modal kepada In 2008, the Company has invested Rp20 billion of paid up capital
PT Asuransi Bangun Askrida sebesar Rp20 miliar untuk to PT Asuransi Bangun Askrida for a 10.198% share ownership.
kepemilikan saham sebesar 10,198%. Pada tahun 2014, bank In 2014, bank bjb is planning to increase its capital investment
bjb berencana menambah setoran modal sebesar Rp5 miliar. in the amount of Rp5 billion.
Kebijakan ini diambil bukan hanya demi mengoptimalkan This policy was taken not only to optimize the receipts of dividends.
penerimaan dividen yang diperoleh. Selain itu, juga untuk In addition, to seek the presence of bank bjb representative in
mengupayakan adanya wakil bank bjb dalam pengurus the management of PT Asuransi Bangun Askrida.
PT Asuransi Bangun Askrida. .
4. Akuisisi Perusahaan 4. Acquisition

Terkait rencana akuisisi perusahaan, pada tahun 2013 bank In relations to the company acquisition plans, bank bjb has
bjb sudah melakukan proses penyertaan modal kepada conducted the capital investments process to the insurance
perusahaan asuransi PT Asuransi Staco Mandiri sebesar company PT Asuransi Staco Mandiri in the amount of
Rp70,37 miliar. Perseroan telah mengajukan izin ke Bank Rp70.37 billion. The company has filed a permit to Bank
Indonesia. Indonesia.
Bank Indonesia belum memberikan keputusan menolak Bank Indonesia has not given a decision to reject or approve
atau menyetujui rencana aksi korporasi tersebut, melainkan the corporate action plan, instead return the application
mengembalikan surat permohonan. Hal ini terkait dengan letter. This is related to the additional requirements which
masih adanya persyaratan tambahan yang harus dipenuhi must be met by the Company (Letter of BI No. 15/188/
oleh Perseroan (Surat BI No. 15/188/DPKP/2013 tanggal 31 DPKP/ 2013 dated October 31, 2013 on the Application for
Oktober 2013 perihal Permohonan Persetujuan Penyertaan Approval of Capital Investments of Bank Saudara and Letter
Modal Bank Saudara dan surat BI No. 15/217/DPKP/Bd of BI No. 15/217/DPKP/Bd dated December 9, 2013 on the
tanggal 9 Desember 2013 perihal Permohonan Persetujuan Application for Approval of Capital of Bank Saudara).
Modal Bank Saudara).

Pada tahun 2014 ini, bank bjb akan mencoba mengusulkan In 2014, bank bjb will try to resubmit the capital investments
kembali (pengajuan ulang) rencana penyertaan modal through the Financial Services Authority (OJK), the new
tersebut melalui Otoritas Jasa Keuangan (OJK), lembaga authorized agency. Currently, the main issue in acquisition
berwenang yang baru. Saat ini, kendala utama dalam is related to the Regulation of Bank Indonesia No. 15/11/
akuisisi adalah terkait dengan Peraturan Bank Indonesia No. PBI/2013 dated 22 November 2013 on the Prudent Principles
15/11/PBI/2013 tanggal 22 November 2013 tentang Prinsip in Capital Investments Activities.
Kehati-hatian Dalam Kegiatan Penyertaan Modal.
Pada Pasal 10 regulasi itu disebutkan, bank yang akan In Article 10 of the mentioned regulation, the bank which
melakukan penyertaan modal harus memiliki tingkat will undertake capital investments shall have a sound level
kesehatan dengan peringkat komposit 1 (satu) atau 2 (dua) with a ranking of composite 1 (one) or 2 (two) for at least 3
selama minimal 3 tahun berturut-turut. Sedangkan saat ini, years in a row. While currently, the soundness level of bank
tingkat kesehatan bank bjb berada di komposit 3 (tiga). bjb is in composite 3 (three).
Karena itulah, untuk sementara waktu, bank bjb tidak bisa That is why, for the time being, bank bjb cannot conduct any
melakukan penyertaan modal kepada investee. Namun, capital investments to the investee. However, does not close
tidak menutup kemungkinan akan adanya perubahan the possibility of changes to the provision on the soundness
terhadap peraturan mengenai tingkat kesehatan tersebut level of the bank in the coming years.
pada tahun mendatang.
Karena itulah, seandainya rencana akuisisi ini mendapatkan Therefore, on the event that the acquisition plan acquires
persetujuan dari OJK, maka realisasi anggaran penyertaan approval from the OJK, the budget realization of the capital
modal akan mengalami perubahan menjadi sebagai investments will be amended as follows:
berikut:
190
Rencana Penyertaan bank bjb bank bjb investment Plan
Juta Rp Million Rp
BPR 30.650 BPR
Introduction
PT Asuransi Staco Mandiri 70.371 PT Asuransi Staco Mandiri
Total Penyertaan 206.021 Total Penyertaan
Performance
Good Corporate
Governance
Corporate Social
Responsibility
Consolidated
Corporate Data
191
Manajemen Risiko
MANAJEMEN RISIKO Risk Management
Risk Management
Manajemen
Risiko
Risk Management
1. Sistem Manajemen Risiko. 1. Risk Management System.
Sistem Manajemen Risiko yang efektif merupakan salah satu An effective Risk Management System is one of the important
komponen yang penting dalam manajemen bank dan landasan components in the bank’s management and foundation to
untuk menjalankan organisasi bank dengan sehat, aman dan perform the bank’s organization in a healthy, safe and well
baik. Sistem manajemen risiko akan mengarahkan aktivitas manner. The risk management system will direct the activities
pada misi dan tujuan bank yang sudah ditetapkan, yaitu untuk of the bank’s mission and objectives which have been defined,
mencapai target laba jangka panjang yang terus meningkat dan which is to achieve the increasing and continuous long-term
berkesinambungan, serta meningkatkan alokasi permodalan profit targets, as well as improving the optimization of capital
secara optimal yang mendukung aktivitas operasional yang allocation that supports healthy operational activities.
sehat.
Sistem dimaksud akan membantu manajemen dalam melakukan The system is to assist management in monitoring the applicable
pemantauan terhadap ketentuan dan hukum yang berlaku, rules and regulations, policies, plans, provisions, as well as
kebijakan, rencana, ketentuan serta prosedur internal. Disamping internal procedures. In addition, the risk management systems
itu, sistem manajemen risiko juga dapat mengurangi risiko can also reduce the systemic risks that may be detrimental to the
sistemik (sistemic Risk) yang dapat merugikan bank baik secara bank materially or immaterially.
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 Board
bagian dari peran pengawasan manajemen. of Directors as part of the management oversight role.
b) Kecukupan kebijakan, prosedur dan penetapan limit sebagai b) Adequacy of policies, procedures and limits as the guidelines
pedoman penerapan manajemen risiko. for risk management.
c) Kecukupan proses identifikasi, pengukuran, pemantauan c) Adequacy of risk identification, measurement, monitoring
dan pengendalian risiko serta sistem informasi manajemen. and control processes as well as management information
d) Sistem pengendalian internal yang menyeluruh. systems.
d) A comprehensive internal control system.
192 Kriteria ARA No. VI.15, VI.15.1

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 terkait infrastructures and quality of human resources associated with
dengan pengelolaan risiko yang berpedoman kepada ketentuan risk management referring to Bank Indonesia regulations, Basel
Bank Indonesia, Basel II dan aturan internasional secara best II and international best practices rules.
practices.
Selain itu, bank juga melakukan gap & data analysis untuk In addition, the bank also conducts gap & data analysis in the
Introduction
persiapan penerapan Basel II, yang diikuti dengan action plan preparation for the implementation of Basel II, which is followed
berupa persiapan data, sistem simulasi untuk perhitungan by the action plan in the form of data preparation, simulation
internal capital charge, serta perbaikan sistem penyusunan system for internal calculation of capital charge, as well as
profil risiko agar menjadi lebih sistematis dan akurat. Upaya improving the risk profiling system to become more systematic
tersebut dilakukan untuk mempersiapkan bank agar dapat and accurate. Efforts are made to prepare the bank in order to
mengelola risiko yang dihadapi, melakukan upaya pencegahan manage the risks, conduct prevention and mitigation efforts,
Performance
dan mitigasi, mencadangkan modal sehingga membantu bank reserving the bank’s capital, assisting the bank in planning the
dalam merencanakan arah pertumbuhan bisnis di masa depan. direction of future business growth.
2. Evaluasi Atas Efektivitas Sistem Manajemen Risiko. 2. Evaluation Of Risk Management Systems.
Sistem pengukuran risiko yang dipergunakan untuk mengukur The risk measurement system used to measure the risk exposure
eksposur risiko Bank sebagai pedoman untuk melakukan of the Bank as a guideline to control and performed on a regular
Good Corporate
Governance
pengendalian dan dilakukan secara berkala. Sistem tersebut basis. The system must be able to measure at least:
paling kurang harus dapat mengukur: a) Sensitivity of products/ activities toward factor changes which
a) Sensitivitas produk/aktivitas terhadap perubahan faktor- influence it, the bank under normal as well as abnormal
faktor yang mempengaruhinya, bank dalam keadaan normal circumstances;
maupun tidak normal; b) The tendency of changes in the factors mentioned based
b) Kecenderungan perubahan faktor-faktor dimaksud on the fluctuations that occurred in the past and their
Corporate Social
berdasarkan fluktuasi yang terjadi di masa lalu dan correlations;
Responsibility
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 per account the relationship between risks;
risiko, dengan mempertimbangkan keterkaitan antar risiko; e) All risks inherent in all transactions as well as banking
e) Seluruh risiko yang melekat pada seluruh transaksi serta products, including new products and activities, and can
produk perbankan, termasuk produk dan aktivitas baru, dan be integrated into the Bank’s management information
Consolidated
dapat diintegrasikan dalam sistem informasi manajemen system.
Bank.
Metode pengukuran dapat dilakukan secara kuantitatif dan/ The measurement method can be performed quantitatively
atau kualitatif. Metode pengukuran tersebut dapat berupa and/ or qualitatively. The measurement method can be methods
metode yang ditetapkan oleh Bank Indonesia dalam rangka stipulated by Bank Indonesia in the framework of risk assessment
Corporate Data
penilaian risiko dan perhitungan modal (baik berupa metode and calculation of capital (both in the form of a standard method
standar atau metode internal yang dikembangkan sendiri or methods developed internally by the Bank).
oleh Bank).
Dalam rangka mengatasi kelemahan yang dapat timbul atas In order to overcome the disadvantages which may arise on the
penggunaan model pengukuran risiko tertentu maka Bank use of specified risk measurement models, the Bank shall validate
harus melakukan validasi model tersebut. the model.
Sistem pengukuran risiko dievaluasi dan disempurnakan The risk measurement system is evaluated and refined periodically
secara berkala atau sewaktu-waktu apabila diperlukan or at any time when necessary to ensure the suitability of
untuk memastikan kesesuaian asuransi, akurasi, kewajaran, insurance, accuracy, fairness, and integrity of data, as well as the
Kriteria ARA No. VI.15.2 193

dan integritas data, serta prosedur yang digunakan untuk procedures used to measure risks.
mengukur risiko.
Dalam melakukan evaluasi atas efektivitas sistem manajemen In conducting the evaluation on the effectiveness of the bank’s
risiko bank maka satuan kerja manajemen risiko melakukan risk management system, the risk management unit conducts a
program pemantauan sebagai berikut : monitoring program as follows:
a) Bank memiliki sistem dan prosedur pemantauan antara a) The Bank has monitoring systems and procedures which
lain mencakup pemantauan terhadap besarnya eksposur include the monitoring of the risk exposure amount,
risiko, kepatuhan limit internal dan hasil stress Testing compliance with internal limits and the results of the stress
maupun konsistensi dengan kebijakan dan prosedur Testing as well as the consistency with the established
yang ditetapkan. policies and procedures.
b) Pemantauan dilakukan baik oleh unit pelaksana (risk b) Monitoring is conducted either by the implementation unit
taking unit) maupun oleh Satuan Kerja Manajemen (risk taking units) as well as by the Risk Management Unit.
Risiko. c) The monitoring results are presented in the periodic reports
c) Hasil pemantauan disajikan dalam laporan berkala yang submitted to management in order to mitigate risks and the
disampaikan kepada manajemen dalam rangka mitigasi necessary action.
risiko dan tindakan yang diperlukan. d) The bank sets an effective back up system and procedures
d) Bank menyiapkan suatu sistem back up dan prosedur to prevent disruptions in the process of risk monitoring, and
yang efektif untuk mencegah terjadinya gangguan conduct periodical assessments and re-evaluations to the
(disruptions) dalam proses pemantauan risiko, dan back up system.
melakukan pengecekan serta penilaian kembali secara
berkala terhadap sistem back up tersebut.
3. Profil Risiko yang Dihadapi Perusahaan. 3. Risk Profiles Faced by the Company.
Tingkat risiko bank bjb secara keseluruhan hingga Triwulan The overall risk level of bank bjb up to the Third Quarter of 2013
III Tahun 2013 adalah Low To Moderate dengan trend risiko is Low To Moderate with a stable risk trend compared to the
stabil apabila dibandingkan dengan triwulan sebelumnya. previous quarter. The development of the bank’s business was
Perkembangan bisnis bank diiringi dengan peningkatan accompanied with an increase in the Implementation Quality of
Kualitas Penerapan Manajemen Risiko dalam seluruh aktivitas Risk Management in all operational activities. Summary of the
operasionalnya. Ringkasan profil risiko selama kurun waktu 2013 risk profiles during the 2013 period for 8 types of risk which the
untuk 8 jenis risiko yang dikelola bank adalah sebagai berikut: bank managed is as follows:
No Jenis Risiko/Type of Risk Profil Risiko/Risk Profile bank bjb 2013

Triwulan I Triwulan II Triwulan III
1 Risiko Kredit/Credit Risk Low Low to Moderate Low to Moderate
2 Risiko Pasar/Market Risk Low Low Low
3 Risiko Likuditas/Liquidity Risk Low to Moderate Low to Moderate Low to Moderate
4 Risiko Operasional/Operational Risk Low to Moderate Low to Moderate Low to Moderate
5 Risiko Hukum/Law Risk Low to Moderate Low to Moderate Low to Moderate
6 Risiko Reputasi/Reputation Risk Low to Moderate Low to Moderate Low Moderate
7 Risiko Kepatuhan/Compliance Risk Low Low Low
8 Risiko Strategik/Strategic Risk Low Low Low
Predikat Risiko/Predicate Risk Low to Moderate Low to Moderate Low to Moderate
194 Kriteria ARA No. VI.15.3

4. Upaya Pengelolaan Risiko. 4. The Efforts to Manage Risks.
Misi dan objektif dari pengelolaan risiko bank harus berpedoman The mission and objective of the bank’s risk management
kepada konsep pengendalian risiko yang terukur secara shall be guided by a consistently and accurately measured risk
konsisten dan akurat, sehingga bank dapat mengalokasikan management concept, thus the bank will be able to allocate
modalnya secara lebih efektif dan efisien untuk kepentingan its capital more effectively and efficiently for the benefit of its
usahanya. Metodologi proses pengelolaan manajemen risiko business. The methodology of the risk management process
menggambarkan secara lengkap rencana manajemen risiko completely describes the logical risk management plans that are
yang logis yang dilaksanakan pada tiga tingkatan yang berbeda, implemented at three different levels, namely: Strategic level,
yaitu: Level strategis, level transaksi dan level portofolio: transaction level and portfolio level:
Introduction
1. Level pertama merupakan perspektif makro. Proses dimulai 1. The first level is a macro perspective. The process commenced
dengan analisa risiko dan imbal-hasil berdasarkan rencana with risk analysis and returns based on the work plan
kerja (business plan). Tahap berikutnya dimulai dengan (business plan). The next phase begins with changes in the
perubahan budaya kerja yang menggambarkan pandangan work culture that describes the bank’s view of the risks. This
bank tentang risiko. Proses ini dimulai dan menjadi process begins and becomes the primary responsibility of
tanggung jawab utama dari Dewan Direksi. Dewan Direksi the Board of Directors. The Board of Directors is obliged to
Performance
berkewajiban membangun budaya risiko dan organisasi build a risk culture and risk management organization, as
manajemen risiko, serta memasukkan proses risiko sebagai well as including the risk process as an important part in
bagian yang penting dalam menetapkan rencana strategis determining the company’s strategic plan. The establishment
perusahaan. Pembentukan budaya manajemen risiko of a risk management culture requires quite a fundamental
memerlukan perubahan organisasi yang cukup mendasar. organizational change. This is necessary for the management
Hal tersebut diperlukan agar manajemen dapat menangani to be able to directly manage the risk issues faced such as
Good Corporate
Governance
secara langsung masalah risiko yang dihadapi misalnya the market risk (interest rate, exchange rate, etc.), and credit
risiko pasar (tingkat suku bunga, nilai tukar dan lain-lain), risks associated with counterparties in the agreement. The
dan risiko kredit yang terkait dalam perjanjian dengan Risk Management Committee is responsible for developing a
counterparty. Komite Manajemen Risiko bertugas untuk risk culture and set the direction for all activities that involve
mengembangkan budaya risiko dan menetapkan arahan risks;
untuk seluruh aktivitas yang mengandung risiko;
Corporate Social
Responsibility
2. Level kedua (level transaksi) dan level ketiga (portofolio) 2. The second level (transaction level) and third level (portfolio)
membahas elemen yang lebih spesifik berupa konsep risiko, discuss more specific elements in the form of risk concepts,
perangkat trading, model analisis, metodologi statistik, trading tools, analytical models, statistical methodology,
pengamatan data historis dan analisa pasar, yang semuanya observation of historical data and market analysis, all of
merupakan faktor penting dalam sistim manajemen risiko which are important factors in a rational system of risk
yang rasional. management.
Consolidated
Corporate Data

Proses Manajemen Risiko Risk Management Process

Unit Manajemen Peta Proses Risiko
Management Unit Risk Process Mapping
Dewan Komisaris Menetapkan Target Revenue Rencana Usaha
Board of Commissioners Determining Target Revenue Business Plan
Proses Manajemen Risiko
Risk Management Level
Direksi Kesadaran Terhadap Risiko

Penetapan Risk Philosophy
Board of Directors Risk Awareness
Determining Risk Philosophy
Dewan Komisaris Penetapan Peran

Board of Commissioners Menetapkan Toleransi Role Determination
Determining Tolerance
Direksi Proses Pengambilan Risiko
Board of Directors Risk Taking Process
Penetapan Peluang
Determining Opportunities
Risk & Capital Committee Product & Risk Taking
Risk & Capital Committee Rencana Pengenalan Produk
Product & Risk Taking
Identifikasi Risiko
Strategy & Performance Risk Identifying Product Induction Plan
Strategy & Performance
Risiko Kredit
Executive Management Kuantifikasi Risiko Credit Risk
Level Transaction
Risk Quantifying
Executive Management
Level Transaction
Rencana Pengawasan Internal

Dewan Direksi Internal Audit Plan
Evaluasi Risiko
Board of Directors Risk Evaluation
Penelitian Pasar
Risk & Capital Committee Market Research
Risk & Capital Committee Pengambilan Risiko
Risk Taking Bank-Wide Risk Assessment
Unit Bisnis Bank-Wide Risk Assessment
Business Unit
Mendata & Menilai
Klasifikasi Risiko
Data Collection & Assessment
Direksi Risk Classification
Board of Directors
Monitor & Pelaporan Rencana Produk
Risk & Capital Committee Monitor & Report Product Plan
Risk & Capital Committee
Level Portofolio
Penelitian tentang Volaritas

Portfolio Level
Unit Bisnis Review Metologi Value at Risk, Earning at Risk

Review on Methodology
Business Unit Volaritas
Value at Risk, Earning at Risk
Risk Management Validasi Metologi
Risk Management Validating the Methodology Factor Sensitivitas Risiko
Risk Sensitivity Factor
Risk Management
Risk Management Menetapkan Target Revenue Stress Testing
Setting Target Revenue
Stress Testing
Prosedur & Model Risiko

Organisasi Struktur Limit Sistem & Teknologi Laporan
Manajement Risiko
Risk Procedure & Organization Limit Structure System & Technology Report Risk Model
Management
Instrumen Manajemen Risiko

Risk Management Instrument
Tahapan tersebut diatas merupakan gambaran umum dari proses The abovestated stages is a general overview of the risk process. The
risiko. Proses tersebut meliputi proses pengembangan kompetensi process includes the development of core competencies of the bank
inti dari bank untuk mengidentifikasi, mengukur, mengakses, to identifying, measuring, accessing, giving limit, setting assumptions,
memberikan limit, menetapkan asumsi, mengelola, mengawasi dan managing, supervising and monitoring the risk. The process begins
memonitor risiko. Proses dimulai dengan identifikasi seluruh posisi with the identification of all the bank’s positions that are sensitive to
bank yang sensitif terhadap risiko (risk sensitive positions) sampai risks (risk sensitive positions) up to the risk-taking process which is
pada proses pengambilan risiko yang merupakan dasar untuk the basis n forming the further business plans.
membentuk rencana usaha selanjutnya.
Perangkat kerja dan teknik tertentu diperlukan untuk mengelola Work devices and specific techniques are required to manage risks
risiko secara efektif seperti penyusunan laporan manajemen yang effectively, such as the preparation of management reports that are
diterbitkan secara berkala sebagai bahan masukan bagi manajemen issued periodically as an input for the senior management to obtain
senior untuk mendapatkan gambaran keseluruhan posisi risiko dari an overall picture of the bank’s risk position. The report shall also be
196
bank. Laporan juga harus dapat memberikan gambaran tentang able to provide an overview of the performance results associated to
hasil kinerja yang mengaitkan eksposur risiko dan imbal-hasil. exposure to risk and its returns.
Proses investigasi, analisa dan evaluasi yang dilaksanakan oleh unit The process of investigation, analysis and evaluation conducted by
bisnis dan Satuan Kerja Manajemen Risiko dan merupakan bagian the business units and the Risk Management Unit and is part of the
dari aktivitas harian utama dari manajemen risiko sebagai berikut: main daily activity of risk management as follows:
• Identifikasi Risiko • Risk Identification
• Pengukuran Risiko • Risk Measurement
• Evaluasi dan penyusunan posisi portofolio asset bank yang • Evaluation and preparation of the bank’s assets portfolio position
memiliki dampak potensi risiko that has potential impacts of risks
Introduction
• Evaluasi, pelaporan dan pengawasan risiko yang terjadi dan • Evaluation, reporting and monitoring of risks occurring and the
potensi risiko. potential risks.
• Review dampak risiko yang terjadi dan potensi risiko yang akan • Review on the impacts of the risk occurring and the potential
terjadi risks which will occur
• Validasi kembali Proses Risiko • Re-validation of Risk Processes
Performance
Identifikasi potensi risiko pertama kali dilakukan oleh unit bisnis The identification of risk potentials is first conducted by the business
dengan menentukan peluang dari aktivitas finansial yang umumnya unit by determining the probability of general financial activities
mengandung risiko. Pada waktu menentukan adanya peluang bisnis, which involve risks. When determining the existence of business
unit bisnis mengidentifikasi, menganalisa dan mengukur risiko opportunities, the business unit identify, analyze and measure risks
khususnya potensi dampak yang ditimbulkan oleh aktivitas tersebut particularly the potential impacts of these activities on the positions/
terhadap posisi/portofolio. Terhadap pengukuran risiko, unit bisnis portfolios. On the measurement of risk, the business units can
Good Corporate
Governance
dapat bekerjasama dengan Satuan Kerja Manajemen Risiko. cooperate with the Risk Management Unit.
Unit Bisnis memutuskan mengambil risiko diikuti dengan proses The Business Unit decides to take the risk followed by a process of
pelaporan dan kontrol, evaluasi risiko dan manajemen portofolio reporting and control, risk evaluation and portfolio management to
terhadap eksposur risiko dimaksud. the risk exposure.
Corporate Social
Pimpinan Unit Kerja mengevaluasi kinerja berdasarkan pertimbangan The Unit Leader evaluates the performance based on risk
Responsibility
risiko dan imbal-hasil yang ditetapkan oleh Dewan Direksi, dan considerations and the returns which was determined by the Board
selanjutnya melakukan penyesuaian terhadap strategi usaha secara of Directors, and then make adjustments to the overall business
keseluruhan. Satuan Kerja Manajemen Risiko membantu dalam strategy. The Risk Management Unit assists in the quantification of
proses kuantifikasi dari pengukuran kinerja, namun tidak terlibat the performance measurement process, but is not involved in the
dalam proses penilaian kinerja itu. performance assessment process.
Consolidated
Pada diagram dijelaskan infrastruktur yang diperlukan agar The diagram describes the infrastructure necessary for the
implementasi dari proses pengelolaan risiko ini dapat berhasil, yaitu implementation of the risk management process to be successful,
kebijakan risiko yang jelas, organisasi yang efektif dan adanya struktur which is clear risk policies, effective organization and the presence
kewenangan, dukungan sistem dan teknologi, sistem informasi of authority structures, the support of system and technology, good
manajemen yang baik, serta proses validasi model dan sistem. management of information systems, as well as the model and
system validation processes.
Corporate Data
Proses manajemen risiko memerlukan komitmen dari setiap The risk management process requires the commitment of each
manajemen jajaran organisasi untuk mengembangkan sistem dan management of the organizations to the system and technology to
teknologi agar dapat mendukung komponen inti dalam pengendalian be able to support the core components in risk control. The Risk
risiko. Sistem Manajemen Risiko minimal harus mampu menilai posisi, Management System shall minimally able to assess the position,
menghitung risiko dari seluruh instrumen finansial dalam masing- calculates the risk of all financial instruments in each of the major
masing valuta utama dimana bank menjalankan usaha, baik secara currencies in which the bank perform its business, either in individual
transaksi individual maupun secara agregat. Selanjutnya pelaporan or aggregate transaction. Afterward, reporting is submitted to the
disampaikan kepada Direksi serta semua unit yang terkait terhadap Board of Directors as well as all relevant units on the reporting
materi laporan dimaksud. Unit operasional harus memegang peran materials. The operational units should play a role in accessing and
dalam mengakses dan mereview secara berkelanjutan kebutuhan reviewing on an ongoing basis the minimum requirements of the
minimum pengembangan dari sistem dan teknologi yang diperlukan development of systems and technologies needed for the activities
aktivitas bank, untuk kemudian disetujui oleh Dewan Direksi. of the bank, to be approved by the Board of Directors.
197
BASEL II PILAR 3: BASEL II PILAR 3:

Disclosure atas Permodalan, Eksposur Disclosure on Capital, Risk Exposure and
Risiko, dan Implementasi Manajemen Risiko the Implementation of the Company’s Risk
Perusahaan Management
1. Pengungkapan Permodalan 1. Capital Disclosure

A. Struktur Permodalan A. Capital Structure
Beberapa perkembangan peraturan yang signifikan Several significant regulatory developments affected the
mempengaruhi kondisi operasional dan bisnis bank bjb ke operational conditions and future of bank bjb’s business
depan antara lain tercermin dari terbitnya Peraturan Bank among others as reflected in the issuance of Bank Indonesia
Indonesia Nomor 14/26/PBI/2012 tentang Kegiatan Usaha Regulation No. 14/26/PBI/2012 on Business Activities and
dan Jaringan Kantor Berdasarkan Modal Inti Bank yang Office Network Based on the Bank’s Core Capital which
mengklasifikasikan bank menjadi 4 kategori utama yaitu classifies banks into 4 main categories, namely BUKU
BUKU (Bank Umum Kategori Usaha) 1-4 berdasarkan jumlah (Commercial Bank Business Category) 1-4 based on the
modal inti bank pada posisi 31 Desember 2012. Per akhir amount of core capital position of the bank on December
Desember 2013, modal inti bank bjb non-audited mencapai 31, 2012. As of the end of December 2013, bank bjb’s non-
Rp5,42 triliun dan berada pada kategori BUKU 3. Strategi audited core capital reached Rp5.42 trillion and is in the
permodalan yang efektif dan efisien telah menjadi fokus category of BUKU 3. Effective and efficient capital strategy
manajemen seiring dengan terus bertumbuhnya bank bjb has been the focus of management in line with the continued
menjadi bank yang semakin besar dan semakin kuat. growth of bank bjb to become a bigger and stronger bank.
Komponen permodalan bank didominasi oleh komponen The bank’s capital component is dominated by permanent
permodalan yang bersifat permanen, dimana komponen capital component, in which the core capital component
modal inti merupakan komponen terbesar dalam struktur is the largest capital component in the capital structure of
permodalan bank. Pada posisi bulan Desember 2013, rasio the bank. In the December 2013 position, the bank’s core
modal inti bank baik secara individual dan konsolidasi capital ratio both individually and consolidated to the bank’s
terhadap total ATMR bank mencapai 16,81% dan 15,83%. total RWA reached 16.81% and 15.83%. The ratio is above
Rasio tersebut berada diatas ketentuan yang ditetapkan oleh the provisions set by Bank Indonesia with a minimum limit is
Bank Indonesia dengan batasan minimum yaitu 6% baik 6% either individually or consolidated. The main core capital
secara individual maupun konsolidasi. Perhitungan rasio ratio calculation (Common Equity Tier 1 ratio) to total RWA
modal inti utama (Common Equity Tier 1 ratio) terhadap of the bank both individually and consolidated in December
total ATMR bank baik secara individual dan konsolidasi di 2013 reached 17.80% and 15.77% which is above the
bulan Desember 2013 mencapai 17,80% dan 15,77% provisions set by Bank Indonesia with a minimum limit of
yang berada diatas ketentuan yang telah ditetapkan Bank 4,50%.
Indonesia dengan batasan minimum yaitu 4,50%. .
B. Kecukupan Permodalan B. Capital Adequacy

Sebagai salah satu pengungkapan Basel II Pilar II, Bank As one of the Basel II Pillar II disclosure, Bank Indonesia
Indonesia telah menerbitkan Surat Edaran Bank Indonesia has issued the Circular Letter of Bank Indonesia No.
Nomor 14/37/DPNP tanggal 27 Desember 2012 perihal 14/37/DPNP dated December 27, 2012 on the Minimum
Kewajiban Penyediaan Modal Minimum sesuai Profil Capital Requirement in accordance to the Profile Risk
Risiko dan Pemenuhan Capital Equivalency Maintained and Compliance of Capital Equivalency Maintained
Assets (CEMA). Sehubungan hal tersebut, bank telah Assets (CEMA). In relations, the bank has developed and
mengembangkan dan menerapkan metodologi untuk implemented a methodology for the implementation of the
penerapan Internal Capital Adequacy Assessment Process Internal Capital Adequacy Assessment Process (ICAAP) in
(ICAAP) dimana metodologi tersebut telah dibahas dan which the methodology has been discussed and approved
disetujui dalam Komite Manajemen Risiko bank bjb. Laporan by the Risk Management Committee of bank bjb. The
rasio kecukupan penyediaan modal minimum sesuai Profil minimum capital adequacy reports in accordance to the Risk
Risiko dilaporkan secara berkala kepada Dewan Komisaris Profile are reported regularly to the Board of Commissioners
dan Direksi sebagai salah satu bentuk kepatuhan terhadap and Board of Directors as a form of compliance with the
ketentuan Surat Edaran Bank Indonesia tersebut. provisions of the Circular Letter of Bank Indonesia.
198
Pengukuran internal yang dilakukan bank dengan telah Internal measurements carried out by the bank has accounted
memperhitungkan Pilar I dan Pilar II yaitu rasio kecukupan for Pillar I and Pillar II namely the minimum capital adequacy
modal bank minimum sesuai profil risiko baik secara ratio corresponds to the risk profile either individually or
individual maupun konsolidasi di bulan Desember 2013 consolidated in December 2013 reaching 9.28% in which
mencapai 9,28% dimana hasil pengukuran profil risiko the results of the bank’s risk profile measurements of the
bank pada periode tersebut berada pada level peringkat period is at the composite ranking level of Low to Moderate.
komposit Low to Moderate. Pada posisi bulan Desember At the December 2013 position, both the individual and
2013, rasio kecukupan modal bank baik secara individual consolidated capital adequacy ratio of the bank reached
maupun konsolidasi mencapai 16,78% sehingga rasio 16.78% hence the bank’s capital adequacy ratio is above
kecukupan modal bank tersebut berada diatas ketentuan the provisions of the minimum capital adequacy ratio in
Introduction
rasio kecukupan modal bank minimum sesuai profil risiko accordance to the risk profile of the bank, which is 9.28%.
bank yaitu 9,28%.
Sejalan telah diterbitkannya PBI Nomor 15/12/PBI/2013 Corresponding to the issuance of PBI No. 15/12/
tanggal 12 Desember 2013 perihal Kewajiban Penyediaan PBI/2013 dated December 12, 2013 on the Minimum
Modal Minimum, saat ini bank telah mempersiapkan Capital Requirement, currently bank bjb has prepared
Performance
infrastruktur yang baik dan efektif dalam rangka good and effective infrastructures in order to ensure
memastikan implementasi PBI tersebut tidak mengganggu the implementation of the PBI does not interfere with its
ekspansi bisnis dan aktivitas operasional bank bjb. Seiring business expansion and operational activities. In line with the
kondisi makroekonomi Indonesia yang masih bergejolak Indonesian macroeconomic conditions that are still volatile
dan ditandai dengan fluktuasi nilai tukar yang sempat and characterized by fluctuations in the exchange rate which
menyentuh level 12.000 per Rupiahnya, penarikan capital touched 12,000 rupiah, the withdrawal of capital outflows
Good Corporate
Governance
outflow oleh investor asing karena kekhawatiran Tapering by foreign investors due to concerns of The Fed’s Tapering
Off The Fed, Manajemen bank bjb menanggapi gejolak Off, the management of bank bjb responds to such volatility
tersebut dengan memperkuat permodalan bank sebagai by strengthening the bank’s capital as a form of a strong
bentuk penerapan manajemen risiko yang kuat (robust) (robust) risk management thus enabling it to absorb losses
sehingga dapat menyerap kerugian apabila terdapat stress in the occurrence of a stress event in the future. In order to
event dikemudian hari. Dalam rangka menjawab tantangan meet the business challenges in the free market era in the
Corporate Social
bisnis di era pasar bebas di kemudian hari dan untuk future and to meet the needs of the society, the bank always
Responsibility
memenuhi kebutuhan masyarakat, bank selalu melakukan performs improvements and development in terms of both
perbaikan dan pengembangan baik dari segi produk dan products and services as well as an improving the bank’s
jasa serta peningkatan infrastruktur manajemen risiko bank risk management infrastructures through comprehensive
melalui analisis yang komprehensif disertai dengan riset analysis accompanied by sufficient researches to keep the
yang memadai sehingga dapat menjaga agar aktivitas bisnis bank’s business and operational activities to remain prudent
dan operasional bank tetap prudent dan berada dalam batas and well within the bank’s risk tolerance.
Consolidated
toleransi risiko bank.
Pengelolaan modal risiko kredit bank bjb berpedoman The capital management of bank bjb’s credit risk is based on
pada Surat Edaran Bank Indonesia Nomor 13/6/DPNP the Circular Letter of Bank Indonesia No. 13/6/DPNP dated
tanggal 18 Februari 2011 perihal Pedoman Perhitungan February 18, 2011 on the Guidelines for the Calculation of
Aset Tertimbang Menurut Risiko untuk Risiko Kredit dengan Risk-Weighted Assets for Credit Risk by Using the Standard
Corporate Data
Menggunakan Pendekatan Standar. Penetapan bobot risiko Approach. The determination of risk weighting in the
pada perhitungan ATMR mengacu kepada bobot risiko calculation of RWA refers to the risk weight in accordance
sesuai ketentuan Bank Indonesia dimaksud. with the referred Bank Indonesia’s provisions.
Dalam mengukur ATMR Risiko Pasar, bank masih In measuring the market risk RWA, the bank still uses the
mempergunakan format standardized method yang meliputi standardized method format which includes the calculation
perhitungan risiko suku bunga dan risiko nilai tukar. Sebagai of the interest rates risk and exchange rates risk. As an effort
upaya ke tahap pengembangan internal model, bank telah to the development stage of internal models, the bank
memiliki sistem informasi OPICS Risk yang berfungsi dalam already has the OPICS Risk information system that serves to
mengukur Value at Risk untuk setiap efek yang dikategorikan assess the Value at Risk for each effects that are categorized
ke dalam Trading Book. into the Trading Book.
199
Perhitungan kecukupan modal risiko operasional masih The calculation of operational risk capital adequacy still uses
menggunakan metode basic indicator approach (BIA) the basic indicator approach (BIA) which is conducted in
yang dilakukan sesuai dengan ketentuan dari regulator. accordance with the provisions of the regulator. Based on
Berdasarkan metode tersebut, Perusahaan mengalokasikan this method, the Company allocates the minimum capital
modal minimum untuk risiko operasional berdasarkan for operational risk based on the historical data that is
historical data yaitu sebesar rata-rata dari penjumlahan equal to the gross income sum average over the last 3 years
pendapatan bruto (gross income) tahunan selama 3 tahun annual (positive) multiplied by the applicable rate, which is
terakhir (yang positif) dikali tarif yang berlaku yaitu 15%. 15%. The calculation of the capital adequacy of operational
Perhitungan kecukupan modal risiko operasional tersebut risk has become the basis for the calculation of RWA for
menjadi dasar dalam perhitungan ATMR Risiko Operasional Operational Risk.
C. Pengungkapan Kuantitatif C. Quantitative Disclosure
Pengungkapan Kuantitatif Struktur Permodalan Bank Umum Disclosures Quantitative Capital Structure Commercial Bank
31 Desember 2013 31 Desember 2013
Komponen Modal 31 December 2013 31 December 2013
Components of Capital Konsolidasi Konsolidasi
Bank Bank
Consolidated Consolidated
(1) (2) (3) (4) (5) (6)
I Komponen Modal/Components of Capital
A Modal Inti/Core Capital i 5.350.206 5.630.554 4.650.062 5.006.557
1. Modal Disetor/Paid-in Capital 2.424.073 2.424.073 2.427.073 2.427.073
2. Cadangan Tambahan Modal/Supplemental Reserve Capital 3.247.719 3.188.428 2.547.575 2.564.789
3. Modal Inovatif/Innovative Capital - -
4. Faktor Pengurang Modal Inti/Core Capital Deduction 321.586 15.992 321.586 15.992
5. Kepentingan Non Pengendali/Non-Controlling interests 34.045 33.687
B Modal Pelengkap/Supplementary capital (9.926) 332.277 (77.687) 267.036
1. Level Atas (Upper Tier 2)/ Upper Level (Upper Tier 2) 311.660 348.269 243.899 283.028
2. Level Bawah (Lower Tier 2) Maksimum 50% Modal Inti - -
Lower Level (Lower Tier 2) Maximum 50% Core Capital
3. Faktor Pengurang Modal Pelengkap/Supplementary Capital Deduction 321.586 15.992 321.586 15.992
C Faktor Pengurang Modal inti Dan Modal Pelengkap/Deduction core capital and - -
supplementary capital
Eksposur Sekuritisasi/Securitization Exposures - -
D Modal Pelengkap Tambahan Yang Memenuhi Persyaratan (Tier 3)/ - -
Supplementary capital (Tier 3)
E Modal Pelengkap Tambahan Yang Dialokasikan Untuk Mengantisipasi Risiko - -
Pasar/ Supplemental Capital Allocated To Anticipate Market Risk
II Total Modal inti Dan Modal Pelengkap (A + B - C)/Total core capital and supplementary 5.340.281 5.962.830 4.572.375 5.257.601
capital (A + B - C)
III Total Modal inti, Modal Pelengkap,Dan Modal Pelengkap Tambahan Yang Dialokasikan 5.340.281 5.962.830 4.572.375 5.257.601
Untuk Mengantisipasi Risiko Pasar (A + B - C + E)/Total core capital, supplementary
capital, and Supplemental Capital Allocated To Anticipate Market Risk (A + B - C + E)
IV Aset Tertimbang Menurut Risiko (ATMR) Untuk Risiko Kredit/Risk Weighted Assets 24.932.833 28.782.172 19.511.884 22.642.240
(RWA) for Credit Risk
V Aset Tertimbang Menurut Risiko (ATMR) Untuk Risiko Operasional/Risk Weighted 6.254.121 6.254.121 5.190.912 5.190.912
Assets (RWA) for Operational Risk
VI Aset Tertimbang Menurut Risiko (ATMR) Untuk Risiko Pasar/Risk Weighted Assets -
(RWA) for Market Risk
A Metode Standar/Standard Methods 1.164.523 1.164.523 541.385 541.385
B Metode Internal/Internal Methods
VII Rasio Kewajiban PeNyediaan Modal Minimum/ Untuk Risiko Kredit, Risiko Operasional 16,51% 16,47% 18,11% 18,53%
Dan Risiko Pasar [III : (IV + V + VI)]/Minimum capital adequacy ratio / For Credit Risk,
Operational Risk and Market Risk [III: (IV + V + VI)]
200
2. Pengungkapan Eksposur Risiko dan Penerapan Manajemen 2. Disclosure of Risk Exposure and the Implementation of Risk
Risiko Management
A. Risiko Kredit A. Credit Risk
Risiko kredit adalah risiko akibat kegagalan debitur dan/ Credit risk is the risk due to failure of the debtor and/ or other
atau pihak lain dalam memenuhi kewajiban kepada bank. party to fulfill its obligations to the bank. The application
Penerapan Manajemen Risiko Kredit berpedoman pada of Credit Risk Management refers to the Regulation of
Peraturan Bank Indonesia No. 11/25/PBI/2009 tanggal 1 Juli Bank Indonesia No. 11/25/PBI/2009 dated July 1, 2009 on
2009 tentang Perubahan Atas Peraturan Bank Indonesia Amendment to Bank Indonesia Regulation No. 5/8/PBI/2003
No. 5/8/PBI/2003 tentang Penerapan Manajemen Risiko on the Implementation of Risk Management for Commercial
Bagi Bank Umum, serta Surat Edaran Bank Indonesia No. Banks, as well as Bank Indonesia Circular Letter No. 13/23/
Introduction
13/23/DPNP tanggal 25 Oktober 2011 tentang Perubahan DPNP dated October 25, 2011 on Amendment to Bank
atas Surat Edaran Bank Indonesia No 5/21/DPNP perihal Indonesia Circular Letter No. 5/21/DPNP on the Application
Penerapan Manajemen Risiko bagi Bank Umum. Penerapan of Risk Management for Commercial Banks. The application
Manajemen Risiko kredit di bank bjb mencakup pelaksanaan of the Credit Risk Management in bank bjb includes the
4 (empat) pilar yaitu: implementation of four (4) pillars namely:
Performance
1. Pengawasan Aktif Dewan Komisaris dan Direksi 1. Active Supervision by the Board of Commissioners and
Dalam rangka pelaksanaan tata kelola yang sehat, Directors
maka Dewan Komisaris dan Direksi melakukan fungsi In the implementation of a sound governance, the
pengawasan sesuai dengan wewenang dan tanggung Board of Commissioners and the Board of Directors
jawabnya. Dewan komisaris membentuk Komite performs the oversight function in accordance with its
Pemantau Risiko (KPR) yang secara rutin melakukan authority and responsibility. The Board of Commissioners
Good Corporate
Governance
pemantauan atas perkembangan eksposur risiko kredit formed the Risk Monitoring Committee (RMC) that
bank maupun pembahasan atas upaya optimalisasi routinely monitors the development of the bank’s credit
penerapan manajemen risiko kredit secara efektif. risk exposure as well as discussions on the potential
Komite Pemantau Risiko (KPR) beranggotakan mayoritas optimization of credit risk management practices
Dewan Komisaris beserta anggota independen yang effectively. The Risk Monitoring Committee (RMC)
berasal dari para akademisi. comprises of members of the Board of Commissioners
Corporate Social
as a majority as well as independent members derived
Responsibility
from academics.
Pada level Direksi, bank telah membentuk Risk At the level of the Board of Directors, the bank has
Management Committee (RMC) sebagai langkah established the Risk Management Committee (RMC) as
pemenuhan atas regulasi yang berlaku serta dalam a step to meeting the applicable regulations and in order
rangka mendukung terciptanya proses Manajemen to support the creation of effective Risk Management
Consolidated
Risiko secara secara efektif. Adapun keanggotaan Risk processes. The membership of the Risk Management
Management Committee (RMC) terdiri dari Direksi dan Committee (RMC) is composed of the Board of Directors
Pejabat Eksekutif terkait. Selanjutnya untuk menunjang and Executive Officers concerned. Furthermore, to
kinerja dan kualitas keputusan Risk Management support the performance and quality of decision of
Committee (RMC) maka telah dibentuk pula Credit Risk the Risk Management Committee (RMC), the Credit
Committee (CRC) yang beranggotakan Pejabat Eksekutif Risk Committee (CRC) was also established consisting
Corporate Data
dimana tugasnya melakukan pembahasan atas aspek of Executive Officers to conduct discussions on the
teknis dan finalisasi agenda pembahasan yang akan technical aspects and the agenda finalization which
diajukan dalam rapat Risk Management Committee will be presented at the Risk Management Committee
(RMC). (RMC) meeting.
Pelaksanaan agenda pembahasan melalui forum Komite The implementation of the discussion agenda through
Pemantau Risiko (KPR) dan Risk Management Committee the Risk Monitoring Committee (RMC) and Risk
(RMC) dilakukan secara periodik untuk mengetahui isu- Management Committee (RMC) forums are conducted
isu terkini terkait risiko kredit sehingga dapat diambil periodically to determine the current issues related to
langkah perbaikan yang tepat. credit risk, thus appropriate remedial measures can be
taken.
201
2. Kecukupan Kebijakan, Prosedur dan Penetapan Limit 2. Adequacy of Policies, Procedures, and Establishment of
Sebagai upaya memastikan kecukupan kebijakan Limits
dan prosedur perkreditan, maka bank bjb menyusun As an effort to ensure the adequacy of credit policies and
Kebijakan Perkreditan Bank (KPB) yang digunakan procedures, bank bjb prepares the Bank Credit Policy
sebagai landasan dalam pembuatan Pedoman maupun (CDE) which is used as a basis in the preparation of the
Standar Operasional Prosedur (SOP) perkreditan. credit Guidelines and Standard Operating Procedures
(SOPs).
bank bjb menerapkan proses yang ketat atas setiap bank bjb applies strict processes on any preparations or
penyusunan maupun perubahan atas setiap ketentuan amendments of any internal provisions of the bank. The
internal bank. Penyusunan maupun perubahan atas preparation of and amendments to the CDE, Guidelines,
KPB, Pedoman, dan SOP perkreditan dilakukan melalui and SOPs for credit are carried out through tiered stages
tahapan berjenjang yang dimulai dari pembahasan pada which start from the discussion at the technical level to
level teknis hingga melalui persetujuan Direksi. bank bjb the approval of the Board of Directors. bank bjb also has
juga telah memiliki standar baku dalam alur pembuatan a standard in the SOP creation flow so it can produce
SOP sehingga dapat dihasilkan kualitas hasil yang baik. good quality results. Each drafting and amendment of
Setiap penyusunan maupun perubahan atas Kebijakan, credit policies, guidelines and SOPs always go through a
Pedoman dan SOP perkreditan senantiasa melalui kajian review by the Risk Management Division as a monitoring
dari Divisi Manajemen Risiko sebagai fungsi pemantauan function on the adequacy of identification and mitigation
atas kecukupan identifikasi dan mitigasi risiko oleh Risk of risks by the Risk Taking Unit (RTU), reviews are also
Taking Unit (RTU), serta dilakukan kajian oleh Divisi conducted by the Compliance Division as an effort to
Kepatuhan sebagai upaya menjaga kesesuaian dengan maintain compliance with applicable regulations.
ketentuan yang berlaku.
bank bjb saat ini telah secara intensif melakukan Currently, bank bjb has intensified improvements on the
penyempurnaan atas modeling yang digunakan dalam modeling used in the calculation of the risk appetite and
perhitungan tingkat risiko yang akan diambil (risk risk tolerance based on the bank’s capital. Risk appetite
appetite) dan toleransi risiko (risk tolerance) berdasarkan is the level and type of risk that is willing to be taken by
modal yang dimiliki bank. Tingkat Risiko yang akan the Bank in order to achieve the objectives of the Bank.
diambil merupakan tingkat dan jenis Risiko yang bersedia Risk tolerance is the maximum level and type of risk set
diambil oleh Bank dalam rangka mencapai sasaran Bank. by the Bank. Risk tolerance is a description of the risk
Toleransi Risiko merupakan tingkat dan jenis Risiko yang appetite.
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 reflected from the maximum credit facility application.
fasilitas kredit.
3. Kecukupan Proses identifikasi, Pengukuran, Pemantauan, 3. Adequacy of Risk Identification, Measurement,

dan Pengendalian Risiko, serta sistem informasi Monitoring, and Management Processes, as well as Risk
Manajemen Risiko Management Information System
Dalam analisa kredit, bank telah menerapkan proses In the analysis of credit, the bank has implemented
identifikasi atas potensi risiko yang melekat. Proses a process of identifying inherent potential risks. The
identifikasi tersebut menjadi lebih optimal dengan identification process becomes more optimal with the
dibentuknya Divisi yang khusus melaksanakan review establishment of a Division which is specifically assigned
dan analisa lanjutan atas potensi risiko yang melekat to conduct reviews and further analysis of the inherent
pada proses pengajuan fasilitas kredit. potential risks in the process of loan facility application.
202
Sebagai bentuk identifikasi atas risiko kredit, bank bjb As a form of credit risk identification, bank bjb has
telah mengembangkan mekanisme pelaporan kredit developed a non performing loans reporting mechanism
bermasalah yang dilakukan oleh Kantor Cabang secara which is performed by the Branch Office on a regular
berkala. Pelaporan ditujukan kepada Divisi Manajemen basis. The reports are addressed to the Risk Management
Risiko untuk menjadi masukan dalam penyusunan Division to be used as input in the preparation of the
strategi Manajemen Risiko. Risk Management strategy.
Dalam melakukan pengukuran risiko, bank bjb In conducting risk measurements, bank bjb develops
mengembangkan model risiko kredit melalui penggunaan credit risk models through the utilization of the Internal
Internal Credit Risk Rating (ICRR) dan Internal Credit Risk Credit Risk Rating (ICRR) and Internal Credit Risk Scoring
Introduction
Scoring (ICRS) pada setiap pengajuan kredit. Adapun (ICRS) in any loan application. The rating and scoring
rating dan scoring yang dimiliki oleh bank bjb meliputi: owned by bank bjb include:
• Pemeringkatan Kredit Non Ritel: • Non Retail Credit Rating:
- Rating Korporasi Konstruksi - Construction Corporate Rating
- Rating Korporasi - Corporate Rating
- Rating SME Konstruksi - Construction SME Rating
Performance
- Rating SME - SME Rating
• Pemeringkatan Kredit Ritel • Retail Credit Rating
- Scoring Kredit Mikro Utama - Kredit Mikro Utama Scoring
- Scoring Kredit Usaha Rakyat - Kredit Usaha Rakyat Scoring
• Pemeringkatan Kredit Konsumtif • Consumptive Credit Rating
- Scoring Kredit Guna Bakti - Guna Bakti Loan Scoring
Good Corporate
Governance
- Scoring Kredit Pemilikan Rumah - Housing Loan Scoring
ICRR adalah suatu alat bantu dalam mengukur risiko ICRR is an instrument to measure credit risk in the form
kredit dalam bentuk suatu model yang digunakan of a model which is utilized to predict the likelihood of
untuk memprediksi tingkat kemungkinan kegagalan default by the debtor to the granted credit facilities.
pembayaran oleh debitur atas fasilitas kredit yang The ICCR classifies company/ corporation entities
Corporate Social
diberikan. ICRR Mengklasifikasikan entitas perusahaan/ systematically into a risk class (grading or ranking).
Responsibility
korporasi secara sistematis ke dalam suatu kelas risiko The application of ICRR aims to determine the rank
(grading atau peringkat). Penggunaan ICRR bertujuan of a debtor that reflects the Probability of Default (PD)
untuk menentukan peringkat bagi debitur yang amount. Debtors with the best rating has a Probability
mencerminkan besaran Probability of Default (PD). of Default that is close to zero. As for a lower credit
Debitur dengan rating terbaik memiliki Probability of rating, the Probability of Default will increase resulting in
Default yang mendekati nol. Adapun untuk kredit an exponential shaped default rate curve in accordance
Consolidated
dengan rating lebih rendah, Probability of Default with the rating downgrade.
akan meningkat sehingga menghasilkan kurva default
rate berbentuk exponential sesuai dengan penurunan
rating.
Tingkatan rating debitur dinyatakan dengan huruf yang The rating level of debtors is expressed by letters which
Corporate Data
meliputi 20 (dua puluh) peringkat berbeda yaitu: covers 20 (twenty) different ratings, namely:
Rating Keterangan/Description
AAA Outstanding
AA+ Strong
AA Strong
AA- Strong
A+ Good
A Good
A- Good
BBB+ Average
BBB Average
203
Rating Keterangan/Description
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 fasilitas approval or denial of an application for a credit facility.
kredit. Dengan menggunakan ICRS maka Bank dapat By using the ICRS, the Bank can process credit better,
memproses kredit dengan lebih baik, obyektif dan objective and standards, as well as a relatively faster
standar, serta dengan waktu proses relatif lebih cepat. processing time.
bank bjb merencanakan untuk senantiasa memperbaiki bank bjb plans to continuously improve the rating
sistem rating yang akan menjadi salah satu komponen system which will be one of the components in the
dalam metodologi identifikasi dan pengukuran risiko methodology of identification and measurement of
kredit serta mengembangkan sistem scoring dalam credit risk as well as develops a scoring system in credit
pengambilan keputusan terutama kredit yang bersifat decisions for the masses.
massal.

Sebagai bentuk lain dari pengukuran risiko kredit, As other forms of credit risk assessment, bank bjb has
bank bjb telah melakukan estimasi kerugian yang conducted the Expected Loss estimations as well as the
telah diperkirakan (Expected Loss) serta besar kerugian loss amount of Unexpected Loss. Expected Loss (EL) is
yang tidak diperkirakan (Unexpected Loss). Expected the amount of losses expected to arise from average of
Loss (EL) adalah besaran kerugian secara statistik yang the common estimated losses. EL is obtained from the
diperkirakan timbul secara rata-rata dari perkiraan calculation of the Exposure at the time of default (EAD),
kerugian yang secara umum terjadi. EL didapatkan dari loss given default (LGD) and the probability of default
perhitungan Eksposur pada saat default (EAD), kerugian (PD), which is estimated from the default probability
pada saat default (LGD) dan probabilitas terjadinya data historically. Meanwhile, Unexpected Loss (UL) is the
default (PD), yang diestimasi dari data probabilitas deviation from the average loss. The calculation of UL
default secara historis. Sementara itu Unexpected is obtained from the historical volatility data over the
Loss (UL) merupakan deviasi dari rata-rata kerugian. default data.
Perhitungan UL diperoleh dari data volatilitas secara
historis (historical volatility) atas data default.
bank bjb juga telah mengembangkan proses pemantauan bank bjb has also developed a process of risk monitoring
risiko yang dilakukan secara berkala melalui penerbitan which is carried out periodically through the publication
laporan Root Cause of Credit Risk (RCCR) yang of a Root Cause of Credit Risk (RCCR) report which is
disampaikan kepada Direksi dan seluruh Divisi terkait. submitted to the Board of Directors and all relevant
Laporan Root Cause of Credit Risk (RCCR) berisi analisa Division. The Root Cause of Credit Risk (RCCR) report
perkembangan portofolio beserta kualitas kreditnya, contains analysis of the development of the portfolio
serta tingkat konsentrasi kredit baik berdasarkan sektor and its credit quality, as well as the level of credit
ekonomi, wilayah geografis, maupun debitur inti. Dalam concentration based on the economic sector, geographic
laporan ini disampaikan pula penyebab terjadinya kredit region, or core debtors. This report also conveys the
bermasalah sehingga dapat menjadi masukan atas hal- cause of non performing loans that can be the input to
hal yang perlu diperbaiki dalam melakukan penyaluran matters that need to be corrected in conducting loan
kredit. Dengan penerbitan laporan Root Cause of Credit
204
Risk (RCCR) dapat menjadi Early Warning Signal (EWS) disbursements. The publication of the Root Cause of
atas penurunan kualitas kredit. Credit Risk (RCCR) report can become an Early Warning
Signal (EWS) for the decline in credit quality.
4. Sistem Pengendalian Intern yang Menyeluruh 4. Comprehensive Internal Control System

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 the SE BI No. 13/23/
pada SE BI Nomor 13/23/DPNP tanggal 25 Oktober DPNP dated October 25, 2011 on the Amendment to
2011 perihal Perubahan atas Surat Edaran Nomor 5/21/ Circular No. 5/21/DPNP on the Implementation of
DPNP perihal Penerapan Manajemen Risiko bagi Bank Risk Management for Commercial Banks. In practice,
Introduction
umum. Dalam pelaksanaannya, sistem pengendalian the internal control system for credit risk includes the
intern untuk risiko kredit mencakup penerapan atas hal- implementation of the following matters:
hal sebagai berikut: - Adequacy of compliance with Policies, Guidelines
- Dipenuhinya kecukupan Kebijakan, Pedoman dan and Procedures in the field of credit;
Prosedur bidang perkreditan; - Implementation of reviews by an independent unit
- Dilakukannya review oleh unit kerja independen on the draft Policies, Guidelines and Procedures in
Performance
atas rancangan Kebijakan, Pedoman dan Prosedur the field of credit;
bidang perkreditan; - Implementation of review/ revision on the methods
- Dilakukannya review/kaji ulang atas metode of measuring risk by the Risk Management Division
pengukuran risiko oleh Divisi Manajemen Risiko which includes conformity assessment methods,
yang mencakup penilaian kesesuaian metode, dan and assumptions used to measure the risks;
asumsi yang digunakan untuk mengukur risiko; - Review on the bank’s compliance to internal and
Good Corporate
Governance
- Kaji ulang atas kepatuhan bank terhadap ketentuan external provisions in the field of credit.
internal dan eksternal bidang perkreditan.

Dalam rangka optimalisasi pengendalian intern, maka In order to optimize internal control, bank bjb has also
bank bjb juga telah melakukan pemisahan fungsi yang conducted a clear separation of functions between the
jelas antara unit bisnis dan unit yang melaksanakan business units and units that perform control so that the
Corporate Social
pengendalian sehingga bank telah menerapkan bank has implemented the segregation of duty and dual
Responsibility
segregation of duty dan dual control dalam melakukan control in making credit decisions. Internal controls for
keputusan kredit. Pengendalian intern untuk manajemen credit risk management also includes oversight by the
risiko kredit juga mencakup pengawasan oleh Dewan Board of Commissioners and the Board of Directors on
Komisaris dan Direksi secara berkala melalui pelaporan a regular basis through reports submitted by the Risk
yang disampaikan oleh Divisi Manajemen Risiko maupun Management Division and the implementation of duties
pelaksanaan Risk Management Committee (RMC) yang by the Risk Management Committee (RMC) consisting
Consolidated
beranggotakan Direksi serta pejabat eksekutif terkait. of the Board of Directors and related executive officers.
Adapun pelaksanaan rapat Komite Pemantau Risiko The implementation of the Risk Monitoring Committee
(KPR) telah dilaksanakan secara berkala yang ditujukan (RMC) meeting has been carried out on a regular basis
untuk memantau perkembangan eksposur risiko kredit to monitor the development of credit risk exposures in
sesuai dengan perkembangan terkini. accordance with the latest developments.
Corporate Data
5. Pengungkapan Kuantitatif Risiko Kredit 5. Quantitative Credit Risk Disclosure
205
2.1.a Pengungkapan Tagihan Bersih Berdasarkan Wilayah -

Bank secara Individual
No. Kategori Portofolio 31 Desember 2013 / 31 December 2013
Portfolio Category
Tagihan Bersih Berdasarkan Sisa Jangka Wilayah
Net Receivable Based on Region
Wilayah/ Wilayah/ Wilayah/ Lainnya

Total
Region 1 Region 2 Region 3 Others
(1) (2) (3) (4) (5) (6) (7)
1 Tagihan Kepada Pemerintah 14.227.218 587.680 - - 14.814.898
2 Tagihan Kepada Entitas Sektor Publik 178.956 - 12.877 - 191.833
3 Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga - - - - -

Internasional
4 Tagihan Kepada Bank 1.680.232 174.064 107.737 63.680 2.025.713
5 Kredit Beragun Rumah Tinggal 1.215.843 1.072.660 971.402 632.089 3.891.994
6 Kredit Beragun Properti Komersial - - - - -
7 Kredit Pegawai/Pensiunan 10.730.245 4.048.875 9.668.281 4.724.078 29.171.479
8 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel 1.824.537 656.844 2.039.978 651.040 5.172.399
9 Tagihan Kepada Korporasi 1.830.086 3.522.743 579.429 796.068 6.728.326
10 Tagihan Yang Telah Jatuh Tempo - - - - -
11 Aset Lainnya 1.661.232 312.964 767.517 360.431 3.102.144
12 Eksposur di Unit Usaha Syariah (apabila ada) - - - - -
Total 33.348.349 10.375.830 14.147.221 7.227.386 65.098.786
2.1.b Pengungkapan Tagihan Bersih Berdasarkan Wilayah -

Bank secara Konsolidasi dengan Perusahaan Anak
Portfolio Category

Total
(1) (2) (3) (4) (5) (6) (7)
1 Tagihan Kepada Pemerintah 15.102.966 587.680 15.690.646
2 Tagihan Kepada Entitas Sektor Publik 178.956 - 12.877 - 191.833
3 Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga - - - - -

Internasional
4 Tagihan Kepada Bank 1.729.303 174.064 107.737 63.680 2.074.784
5 Kredit Beragun Rumah Tinggal 1.225.455 1.072.660 971.402 632.089 3.901.606
6 Kredit Beragun Properti Komersial - - - - -
7 Kredit Pegawai/Pensiunan 11.282.925 4.048.875 9.668.281 4.724.078 29.724.159
8 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel 1.841.300 656.844 2.039.978 651.040 5.189.162
9 Tagihan Kepada Korporasi 5.032.386 3.522.743 579.429 796.068 9.930.626
10 Tagihan Yang Telah Jatuh Tempo - - - - -
11 Aset Lainnya 1.900.418 312.964 767.517 360.431 3.341.330
12 Eksposur di Unit Usaha Syariah (apabila ada) - - - -
Total 38.293.709 10.375.830 14.147.221 7.227.386 70.044.146
206
2.1.b Disclosure of Net Receivable Based on Term to Contractual Maturity –
Bank Individually
31 Desember 2012 / 31 December 2012 Portfolio Category


Total
(8) (9) (10) (11) (12) (2)
13.077.551 208.144 1.231 - 13.286.926 Claims on Government/Sovereign
Introduction
567.788 - 9.104 - 576.892 Claims on Public Sector Entities
- - - - - Claims on Multilateral Development Banks

and International Entities
1.961.455 82.686 62.757 42.230 2.149.128 Claims on Banks
558.192 443.318 460.181 234.904 1.696.595 Claims Secured by Residential Property
- - - - - Claims Secured by Commercial Real Estate
Performance
8.523.932 3.023.177 7.641.664 3.671.827 22.860.600 Claims on Pension Loans
1.639.245 551.215 1.752.492 511.415 4.454.367 Claims on Micro, Small, and Retail Portfolio
1.796.535 2.985.069 661.298 871.067 6.313.969 Claims on Corporate
- - - - - Claims on Past Due Exposures
1.135.997 304.828 633.020 297.446 2.371.291 Other Assets
Good Corporate
Governance
0 0 0 - Sharia Exposures (if any)
29.260.695 7.598.437 11.221.747 5.628.889 53.709.768 Total

Bank Consolidated with Subsidiary
Corporate Social
Responsibility

Total
(8) (9) (10) (11) (12) (2)
14.046.642 208.144 1.231 - 14.256.017 Claims on Government/Sovereign
567.788 - 9.104 - 576.892 Claims on Public Sector Entities
- - - - - Claims on Multilateral Development Banks Consolidated

2.201.136 82.686 62.757 42.230 2.388.809 Claims on Banks
567.550 443.318 460.181 234.904 1.705.953 Claims Secured by Residential Property
- - - - - Claims Secured by Commercial Real Estate

Corporate Data
8.920.106 3.023.177 7.641.664 3.671.827 23.256.774 Claims on Pension Loans
1.746.027 551.215 1.752.492 511.415 4.561.149 Claims on Micro, Small, and Retail Portfolio
4.330.612 2.985.069 661.298 871.067 8.848.046 Claims on Corporate
- - - - Claims on Past Due Exposures
1.240.102 304.828 633.020 297.446 2.475.396 Other Assets
- - - - Sharia Exposures (if any)
33.619.963 7.598.437 11.221.747 5.628.889 58.069.036 Total
207
2.2.a Pengungkapan Tagihan Bersih Berdasarkan Sisa

Jangka Waktu Kontrak - Bank secara Individual
Tagihan Bersih Berdasarkan Sisa Jangka Waktu Kontrak/

Net Receivable Based on Contractual Maturity
Non
< 1 tahun > 1 -3 tahun > 3-5 tahun > 5 tahun
Kontraktual Total
< 1 year > 1 - 3 years > 3 - 5 years > 5 years
Non Contractual
(1) (2) (3) (4) (5) (6) (7) (8)
1 Tagihan Kepada Pemerintah - - - 587.681 587.681
2 Tagihan Kepada Entitas Sektor Publik - - - - -
3 Tagihan Kepada Bank Pembangunan 76.389 53.678 154.875 16.983 301.926

Multilateral dan Lembaga Internasional
4 Tagihan Kepada Bank - - - 12.877 12.877
5 Kredit Beragun Rumah Tinggal 2.784.557 1.734.250 496.530 1.028.979 6.044.316
6 Kredit Beragun Properti Komersial 658.004 3.598.044 873.937 42.415 5.172.399
7 Kredit Pegawai/Pensiunan 319 4.675 8.719 87.274 100.987
8 Tagihan Kepada Usaha Mikro, Usaha Kecil dan - 333 475 8.124 8.932
Portofolio Ritel
9 Tagihan Kepada Korporasi 5.883 103.449 317.482 3.355.260 3.782.075
10 Tagihan Yang Telah Jatuh Tempo 305.749 1.848.953 4.551.042 22.465.736 29.171.479
11 Aset Lainnya -
12 Eksposur di Unit Usaha Syariah (apabila ada) -
Total 3.830.901 7.343.383 6.403.058 27.605.328 - 45.182.671
2.2.b Pengungkapan Tagihan Bersih Berdasarkan Sisa

Jangka Waktu Kontrak - Bank secara Konsolidasi
dengan Perusahaan Anak

Non
Kontraktual Total
Non Contractual
(1) (2) (3) (4) (5) (6) (7) (8)
1 Tagihan Kepada Pemerintah - 134 - 587.681 - 587.815
2 Tagihan Kepada Entitas Sektor Publik 13.466 197.032 62.613 - - 273.111
3 Tagihan Kepada Bank Pembangunan 76.389 53.678 154.875 16.983 - 301.926

4 Tagihan Kepada Bank 21.256 111.130 97.230 75.625 - 305.241
5 Kredit Beragun Rumah Tinggal 3.325.229 1.971.003 684.134 1.161.266 - 7.141.632
6 Kredit Beragun Properti Komersial 873.020 3.946.375 1.395.698 1.022.826 - 7.237.918
7 Kredit Pegawai/Pensiunan 319 4.675 8.719 87.274 - 100.987
8 Tagihan Kepada Usaha Mikro, Usaha Kecil dan - 333 475 8.124 - 8.932
Portofolio Ritel
9 Tagihan Kepada Korporasi 5.883 103.449 317.482 3.355.260 - 3.782.075
10 Tagihan Yang Telah Jatuh Tempo 305.749 1.848.953 4.551.042 22.465.736 - 29.171.479
11 Aset Lainnya -
Total 4.621.311 8.236.763 7.272.266 28.780.774 - 48.911.115
208
Bank Individually

Non
Kontraktual Total
Non Contractual
(9) (10) (11) (12) (13) (14) (2)
- - - 205.123 205.123 Claims on Government/Sovereign
Introduction
- - - - - Claims on Public Sector Entities
59.477 26.351 54.862 18.511 159.201 Claims on Multilateral Development Banks

- - - 9.082 9.082 Claims on Banks
2.511.165 1.754.393 702.052 667.355 5.634.965 Claims Secured by Residential Property
Performance
560.092 3.001.907 705.777 99.106 4.366.882 Claims Secured by Commercial Real Estate
1.917 33.518 153.269 1.310.148 1.498.852 Claims on Pension Loans
- - 168 2.400 2.568 Claims on Micro, Small, and Retail Portfolio
517 5.083 25.923 154.285 185.808 Claims on Corporate
294.564 1.970.093 4.241.222 16.018.396 22.524.275 Claims on Past Due Exposures
Good Corporate
Governance
- Other Assets
- Sharia Exposures (if any)
3.427.732 6.791.345 5.883.273 18.484.406 - 34.586.756 Total

Corporate Social
Responsibility

Non
Kontraktual Total
Non Contractual
Consolidated
(9) (10) (11) (12) (13) (14) (2)
- 272 - 205.123 - 205.395 Claims on Government/Sovereign
- - - - - - Claims on Public Sector Entities
59.477 26.351 54.862 18.511 - 159.201 Claims on Multilateral Development Banks

8.268 78.170 124.292 36.120 - 246.850 Claims on Banks

Corporate Data
2.880.050 2.083.369 978.276 724.390 - 6.666.085 Claims Secured by Residential Property
1.239.582 3.273.527 1.075.541 531.989 - 6.120.639 Claims Secured by Commercial Real Estate
1.917 33.518 153.269 1.310.148 - 1.498.852 Claims on Pension Loans
- - 168 2.400 - 2.568 Claims on Micro, Small, and Retail Portfolio
517 5.083 25.923 154.285 - 185.808 Claims on Corporate
294.564 1.970.093 4.241.222 16.018.396 - 22.524.275 Claims on Past Due Exposures
- Other Assets
4.484.375 7.470.383 6.653.553 19.001.362 - 37.609.673 Total
209
2.3.a Pengungkapan Tagihan Bersih Berdasarkan

Sektor Ekonomi - Bank secara Individual
Tagihan
Kepada Bank
Pembangunan
Tagihan Kepada
Tagihan Kepada Multilateral Kredit Beragun
Entitas Sektor Kredit Beragun
Pemerintah dan Lembaga Properti
Publik Tagihan Kepada Rumah Tinggal
Internasional Komersial
Bank
No. Sektor Ekonomi Claims on
Claims on Public Claims Secured
Government/ Claims on Claims Secured
Sector Entities Claims on Banks by Residential
Sovereign Multilateral by Commercial
Property
Development Real Estate
Banks and
International
Entities
(1) (2) (3) (4) (5) (6) (7) (8)
Posisi Tanggal Laporan
1 Pertanian, Perburuan dan Kehutanan - - - - - -
2 Perikanan - - - - - -
3 Pertambangan dan Penggalian - - - - - -
4 Industri Pengolahan 587.681 - - - - -
5 Listrik, Gas, dan Air - 12.877 - - - -
6 Konstruksi - - - 1.914 - -
7 Perdagangan Besar dan Eceran - - - 51.962 - -
8 Penyediaan Akomodasi dan Makan Minum - - - - - -
9 Transportasi, Pergudangan, dan Komunikasi - - - - - -
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 -
Posisi Tanggal Laporan Tahun Sebelumnya
1 Pertanian, Perburuan dan Kehutanan - - - -
2 Perikanan - - - -
3 Pertambangan dan Penggalian 205.123 - - -
4 Industri Pengolahan - - - -
5 Listrik, Gas, dan Air - 9.082 - -
6 Konstruksi - - 2.992 -
7 Perdagangan Besar dan Eceran - - - -
8 Penyediaan Akomodasi dan Makan Minum - - 43.032 80
9 Transportasi, Pergudangan, dan Komunikasi - - - -
10 Perantara Keuangan - - - -
11 Real Estate, Usaha Persewaan, dan Jasa Perusahaan - - 102.993 -
12 Administrasi Pemerintahan, Pertahanan dan Jaminan - - - -
Sosial Wajib
13 Jasa Pendidikan - - - -
14 Jasa Kesehatan dan Kegiatan Sosial - - - -
15 Jasa Kemasyarakatan, Sosial Budaya, Hiburan dan - - 10.185 -
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 23.207.356 567.810 - 3.915.957 1.696.515 -
Total 23.412.479 576.892 - 4.075.159 1.696.595 -
210
2.3.a Disclosure of Net Receivable Based on Economic Sector -
Bank Individually.
Tagihan Kepada
Eksposur di Unit
Usaha Mikro, Tagihan Yang
Kredit Pegawai/ Tagihan Kepada Usaha Syariah
Usaha Kecil dan Telah Jatuh
Pensiunan Korporasi Aset Lainnya (apabila ada)
Portofolio Ritel Tempo
Economic Sector
Claims on Claims on Other Assets Sharia
Claims on Micro, Claims on Past
Pension Loans Corporates Exposures (if
Small, and Retail Due Exposures
any)
Portfolio
Introduction
(9) (10) (11) (12) (13) (14) (2)
Position Date of Report
- 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
Performance
- 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
Good Corporate
Governance
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
Corporate Social
Responsibility
- - - Business Activities which are Not Clearly Defined
- - - 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
Position Date of Report Year Previous
- 292.734 29.186 Agricultures, Hunting and Forestry
- 37.198 9.822 Fisheries
Consolidated
- 128.183 744.799 Mining and Quarrying
- 186.440 100.186 Processing industry
- 1.923 37.045 Electricity, Gas and Water
- 35.719 1.457.117 Construction
- - - Big and Retail Trade
- 3.036.218 1.062.252 Provision of Accommodation and Food Supply Drinking
- 12.448 315.640 Transportation, Warehousing and Communications
Corporate Data
- - - Transitional Finance
- 474.343 1.761.369 Real Estate, Rental Business, and Services Company
- - - Government Administration, the Defence and Compulsory Social
Security
- 7.495 37.954 Education Services
- 17.784 49.218 Health and Social Services
72.675 136.110 30.376 Community, Sociocultural, Entertainment and Other Individual
Services
- - - Individual Services which Serve Households
- - - Extra Agency International Agency and Other International
- - - Business Activities which are Not Clearly Defined

- - - Credit Recipients Non Industrial Origin
22.787.925 87.772 973.604 - 2.287.474 - Others
22.860.600 4.454.367 6.608.568 - 2.287.474 - Total
211
2.3.b Pengungkapan Tagihan Bersih Berdasarkan Sektor Ekonomi -

Tagihan
Kepada Bank
Pembangunan
Tagihan Kepada
Tagihan Kepada Multilateral Kredit Beragun
Entitas Sektor Kredit Beragun
Pemerintah dan Lembaga Properti
Publik Tagihan Kepada Rumah Tinggal
Internasional Komersial
Bank
No. Sektor Ekonomi Claims on
Claims on Public Claims Secured
Government/ Claims on Claims Secured
Sector Entities Claims on Banks by Residential
Sovereign Multilateral by Commercial
Property
Development Real Estate
Banks and
International
Entities
(1) (2) (3) (4) (5) (6) (7) (8)
Posisi Tanggal Laporan
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 Makan Minum - 218 - - - -
9 Transportasi, Pergudangan, dan Komunikasi - - - 16 - -
11 Real Estate, Usaha Persewaan, dan Jasa Perusahaan 133 232.686 - 273.095 - -
Sosial 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
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 -
Posisi Tanggal Laporan Tahun Sebelumnya
1 Pertanian, Perburuan dan Kehutanan - 622 - - - -
2 Perikanan - - - - - -
3 Pertambangan dan Penggalian - 142 - - - -
4 Industri Pengolahan - - - - - -
5 Listrik, Gas, dan Air - - - - - -
6 Konstruksi - 214 - - - -
7 Perdagangan Besar dan Eceran - - - - - -
8 Penyediaan Akomodasi dan Makan Minum - 549 - - - -
9 Transportasi, Pergudangan, dan Komunikasi - - - - - -
11 Real Estate, Usaha Persewaan, dan Jasa Perusahaan - 194.335 - - - -
Sosial Wajib
13 Jasa Pendidikan - 32.725 - - - -
14 Jasa Kesehatan dan Kegiatan Sosial - 1.145 - - - -
15 Jasa Kemasyarakatan, Sosial Budaya, Hiburan dan - 7.898 - - - -
Perorangan Lainnya
Lainnya
18 Kegiatan yang Belum Jelas Batasannya - - - - - -
20 Lainnya 24.354.740 339.262 - 4.313.607 1.705.953 -
Total 24.354.740 576.892 - 4.313.607 1.705.953 -
212
2.3. b Disclosure of Net Receivable Based on Economic Sector -
Tagihan Kepada
Eksposur di Unit
Usaha Mikro, Tagihan Yang
Kredit Pegawai/ Tagihan Kepada Usaha Syariah
Usaha Kecil dan Telah Jatuh
Pensiunan Korporasi Aset Lainnya (apabila ada)
Portofolio Ritel Tempo
Economic Sector
Claims on Claims on Other Assets Sharia
Claims on Micro, Claims on Past
Pension Loans Corporates Exposures (if
Small, and Retail Due Exposures
any)
Portfolio
Introduction
(9) (10) (11) (12) (13) (14) (2)
Position Date of Report
- 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
Performance
- 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
Good Corporate
Governance
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
Corporate Social
Responsibility
- - - - - - Business Activities which are Not Clearly Defined
- - - - - - 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
Position Date of Report Year Previous
- 7.992 79 - - - Agricultures, Hunting and Forestry
- 256 - - - - Fisheries
Consolidated
- 13.897 32.878 - - - Mining and Quarrying
- 42.658 47.173 - - - Processing industry
- 703 14.007 - - - Electricity, Gas and Water
- 3.347 293.731 - - - Construction
- 142.349 - - - - Big and Retail Trade
- 193.467 117.576 - - - Provision of Accommodation and Food Supply Drinking
- 4.817 177.450 - - - Transportation, Warehousing and Communications
Corporate Data
- - - - - - Transitional Finance
- 266.427 314.638 - - - Real Estate, Rental Business, and Services Company
- - - - - - Government Administration, the Defence and Compulsory Social
Security
- 79 2.475 - - - Education Services
- 6.101 27.123 - - - Health and Social Services
- 18.290 3.901 - - - Community, Sociocultural, Entertainment and Other Individual
Services
- - - - - - Individual Services which Serve Households
- - - - - - Extra Agency International Agency and Other International
- - - - - - Business Activities which are Not Clearly Defined

- - - - - - Credit Recipients Non Industrial Origin
23.256.774 3.860.766 8.111.615 - 2.475.396 - Others
23.256.774 4.561.149 9.142.646 - 2.475.396 - Total
213
2.4.a Pengungkapan Tagihan dan Pencadangan Berdasarkan Wilayah -

31 Desember 2013/December 31, 2013
Wilayah/Region
No. Keterangan
Wilayah/ Wilayah/
Wilayah/ Lainnya
Region Region Total
Region 3 Others
1 2
(1) (2) (3) (4) (5) (6) (7)
1 Tagihan 14.916.215 10.020.308 13.308.486 6.864.598 45.109.607
2 Tagihan yang mengalami penurunan nilai (impaired ) -
a. Belum jatuh tempo 365.878 269.294 379.390 262.498 1.277.060
b. Telah jatuh tempo -
3 Cadangan kerugian penurunan nilai (CKPN) - Individual 92.561 195.842 98.008 102.803 489.214
4 Cadangan kerugian penurunan nilai (CKPN) - Kolektif 203.543 54.318 193.228 77.022 528.111
5 Tagihan yang dihapus buku 83.811 29.567 138.634 18.940 270.952
2.4.b Pengungkapan Tagihan dan Pencadangan Berdasarkan Wilayah -

Wilayah/Region
No. Keterangan
Wilayah/ Wilayah/
Wilayah/ Lainnya
Region Region Total
Region 3 Others
1 2
(1) (2) (3) (4) (5) (6) (7)
1 Tagihan 18.708.948 10.020.308 13.308.486 6.864.598 48.902.340
2 Tagihan yang mengalami penurunan nilai (impaired ) - - - - -
a. Belum jatuh tempo 432.892 269.294 379.390 262.498 1.344.074
b. Telah jatuh tempo - - - - -
3 Cadangan kerugian penurunan nilai (CKPN) - Individual 92.561 195.842 98.008 102.803 489.214
4 Cadangan kerugian penurunan nilai (CKPN) - Kolektif 265.637 54.318 193.228 77.022 590.205
5 Tagihan yang dihapus buku 175.627 29.567 138.634 18.940 362.768
214
2.4.a Disclosure of Receivables and Allowances Based on Region -
Bank Individually
Wilayah/Region
Description
Wilayah/ Wilayah/
Wilayah/ Lainnya
Region Region Total
Region 3 Others
1 2
(8) (9) (10) (11) (12) (2)
Introduction
12.287.309 7.264.692 10.324.151 5.353.081 35.229.233 Receivables
- Impaired Receivables
188.318 219.965 235.816 83.572 727.671 a. Non Past Due
- b. Past Due
46.474 156.490 104.013 24.331 331.308 Allowance for Impairment Losses - Individual
Performance
94.096 40.315 90.252 46.979 271.642 Allowance for Impairment Losses - Collective
135.018 26.843 133.670 60.102 355.633 Claims written off
Good Corporate
Governance
2.4.b Disclosure of Receivables and Allowances Based on Region -
Wilayah/Region
Description
Wilayah/ Wilayah/
Corporate Social
Wilayah/ Lainnya
Responsibility
Region Region Total
Region 3 Others
1 2
(8) (9) (10) (11) (12) (2)
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 Consolidated
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

Corporate Data
215
2.5.a Pengungkapan Tagihan dan Pencadangan Berdasarkan Sektor Ekonomi -

Tagihan yang Mengalami Cadangan
Penurunan Nilai Cadangan kerugian kerugian
penurunan nilai penurunan nilai Tagihan yang
Tagihan Impaired Receivables (CKPN) - Individual (CKPN) - Kolektif dihapus buku
No. Sektor Ekonomi Belum Jatuh Telah Jatuh
Economic Sector
Receivable Allowance for Allowance for Claims Written
Tempo Tempo
Impairment Losses - Impairment off
Individual Losses -
Non Past Due Past Due
Collective
(1) (2) (3) (4) (5) (6) (7) (8) (2)
Posisi Tanggal Laporan Position Date of Report
1 Pertanian, Perburuan dan 216.826 44.040 - 11.250 26.470 13.732 Agricultures, Hunting and
Kehutanan 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 Procesing 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 Accomodation

Makan Minum and Food Supply Drinking
9 Transportasi, Pergudangan, dan 247.898 16.899 - 4.558 3.698 89 Transportation, Warehousing

Komunikasi and Communications
10 Perantara Keuangan 1.027 100 - - 72 - Transitional Finance
11 Real Estate, Usaha Persewaan, 2.571.744 160.714 - 113.710 44.655 92.081 Real Estate, Rental Business,
dan Jasa Perusahaan and Services Company
12 Administrasi Pemerintahan, - - - - - - Government Administration,

Pertahanan dan Jaminan Sosial the Defense and Compulsory
Wajib Social Security
13 Jasa Pendidikan 68.193 4.211 - 1.152 2.916 - Education Services
14 Jasa Kesehatan dan Kegiatan - - - - 689 - Health and Social Services

Sosial
15 Jasa Kemasyarakatan, 168.832 13.414 - 6.971 5.171 10.661 Community, Sociocultural,

Sosial Budaya, Hiburan dan Entertainment and Other
Perorangan Lainnya Individual Services
16 Jasa Perorangan yang Melayani - - - - - - Individual Services which

Rumah Tangga Serve Households
17 Badan Internasional dan Badan - - - - - - Extra Agency International

Ekstra Internasional Lainnya Agency and Other
International
28 Kegiatan yang Belum Jelas 12 - - - - - Business Activities which are

Batasannya Not Clearly Defined
19 Bukan Lapangan Usaha - - - - - - Credit Recipients Non

Industrial Origin
20 Lainnya 54.200.049 235.985 - 96.102 110.215 1.711 Others
Total 65.754.387 1.344.057 - 489.335 592.399 362.769 Total
216
2.5.a Disclosure of Receivables and Allowances Based on Economic Sector -
Bank Individually
Economic Sector
Tempo Tempo
Individual Losses -
Collective
(1) (2) (3) (4) (5) (6) (7) (8) (2)
Posisi Tanggal Laporan Tahun Sebelumnya Position Date of Report Year Previous
Introduction
Kehutanan Forestry
2 Perikanan 47.278 1.396 - - 564 2.085 Fisheries
3 Pertambangan dan Penggalian 1.265.462 152.516 - 137.977 12.425 13.825 Mining and Quarrying
4 Industri Pengolahan 388.799 49.542 - 11.486 34.676 13.814 Processing industry
Performance
7 Perdagangan Besar dan Eceran 142.439 - - - - - Big and Retail Trade
8 Penyediaan Akomodasi dan 4.551.054 231.923 - 39.887 110.242 217.941 Provision of Accommodation
9 Transportasi, Pergudangan, dan 551.996 87.451 - - 42.973 783 Transportation, Warehousing

Good Corporate
Governance
10 Perantara Keuangan - - - - - - Transitional Finance

Pertahanan dan Jaminan Sosial the Defence and Compulsory
13 Jasa Pendidikan 81.677 766 - - 1.048 2.148 Education Services
Corporate Social
Responsibility
14 Jasa Kesehatan dan Kegiatan 104.692 5.359 - 2.950 1.428 531 Health and Social Services
Sosial


Consolidated
International
28 Kegiatan yang Belum Jelas - - - - - - Business Activities which are


Industrial Origin
Corporate Data
20 Lainnya 53.120.826 81.623 - 25.777 50.736 32.232 Others
Total 65.972.134 845.079 - 331.308 349.486 355.632 Total
217
2.5.b Pengungkapan Tagihan dan Pencadangan Berdasarkan Sektor Ekonomi -

Economic Sector
Tempo Tempo
Individual Losses -
Collective
(1) (2) (3) (4) (5) (6) (7) (8) (2)
Posisi Tanggal Laporan Position Date of Report
Kehutanan 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
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

9 Transportasi, Pergudangan, dan 388.709 16.899 - 4.558 3.698 89 Transportation, Warehousing

10 Perantara Keuangan 1.027 100 - - 72 - Transitional Finance

13 Jasa Pendidikan 102.064 4.211 - 1.152 2.916 - Education Services
14 Jasa Kesehatan dan Kegiatan 68.862 - - - 689 - Health and Social Services
Sosial



International
28 Kegiatan yang Belum Jelas 12 - - - - - Business Activities which are


Industrial Origin
20 Lainnya 56.803.006 235.985 - 96.102 110.215 1.711 Others
Total 70.756.430 1.344.057 - 489.335 592.399 362.769 Total
218
2.5.b Disclosure of Receivables and Allowances Based on Economic Sector -
Economic Sector
Tempo Tempo
Individual Losses -
Collective
(1) (2) (3) (4) (5) (6) (7) (8) (2)
Posisi Tanggal Laporan Tahun Sebelumnya Position Date of Report Year Previous
Introduction
Kehutanan Forestry
2 Perikanan 47.278 1.396 - - 564 2.085 Fisheries
3 Pertambangan dan Penggalian 1.265.462 152.516 - 137.977 12.425 13.825 Mining and Quarrying
4 Industri Pengolahan 388.799 49.542 - 11.486 34.676 13.814 Processing industry
Performance
7 Perdagangan Besar dan Eceran 142.439 - - - - - Big and Retail Trade
8 Penyediaan Akomodasi dan 4.551.054 231.923 - 39.887 110.242 217.941 Provision of Accommodation
9 Transportasi, Pergudangan, dan 551.996 87.451 - - 42.973 783 Transportation, Warehousing

Good Corporate
Governance
10 Perantara Keuangan - - - - - - Transitional Finance

13 Jasa Pendidikan 81.677 766 - - 1.048 2.148 Education Services
Corporate Social
Responsibility
14 Jasa Kesehatan dan Kegiatan 104.692 5.359 - 2.950 1.428 531 Health and Social Services
Sosial


Consolidated
International
28 Kegiatan yang Belum Jelas - - - - - - Business Activities which are


Industrial Origin
Corporate Data
20 Lainnya 57.535.849 81.623 - 25.777 50.736 32.232 Others
Total 70.387.157 845.079 - 331.308 349.486 355.632 Total
219
2.6.a Pengungkapan Rincian Mutasi Cadangan Kerugian 2.6.a Disclosure of Details on Movements of Impairment
Penurunan Nilai - Bank secara Individual Provision on Financial Assets (CKPN) - Bank Individually.
31 Desember 2013/31 December 2013 31 Desember 2012/31 December 2012

CKPN Individual CKPN Kolektif CKPN Individual CKPN Kolektif
Keterangan
No.
Description Allowance for Allowance for Allowance for Allowance for
Impairment Losses - Impairment Losses - Impairment Losses - Impairment Losses -
Individual Collective Individual Collective
(1) (2) (3) (4) (5) (6)
1 Saldo awal CKPN 331.308 271.641 132.924 374.976
Beginning Balance - Allowance for Impairment Losses
2 Pembentukan (pemulihan) CKPN pada periode berjalan (Net)
Allowance/reversal for impairment losses during the year
(Net)
2.a Pembentukan CKPN pada periode berjalan 157.906 386.668 198.384 163.653
Additional allowance for Impairment
Losses during the year
2.b Pemulihan CKPN pada periode berjalan -
Reversal for impairment losses during the year
3 CKPN yang digunakan untuk melakukan hapus buku atas (130.198) (266.988)
tagihan pada peride berjalan
Allowance for impairment losses used to claims written off
during the year
4 Pembentukan (pemulihan) lainnya pada periode berjalan
Other allowance / reversal during the year
489.214 528.111 331.308 271.641
4.1.a Pengungkapan Tagihan Bersih Berdasarkan Bobot Risiko Setelah Memperhitungkan

Dampak Mitigasi Risiko Kredit - Bank secara Individual
31 Desember 2013/31 December 2013
Tagihan Bersih Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit
Kategori Portofolio
No. Net Receivable After Credit Risk Mitigation
Portfolio Category
Lainnya
0% 20% 35% 40% 45% 50% 75% 100% 150%
Others
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
A Eksposur Neraca/ Balance Sheet Exposures
1 Tagihan Kepada Pemerintah 15.690.646
Claims on Government/Sovereign
2 Tagihan Kepada Entitas Sektor Publik 191.833
Claims on Public Sector Entities
3 Tagihan Kepada Bank Pembangunan -
Claims on Multilateral Development Banks
4 Tagihan Kepada Bank/Claims on Banks 240.400 1.834.384
5 Kredit Beragun Rumah Tinggal 3.901.606
Claims Secured by Residential Property
6 Kredit Beragun Properti Komersial -
Claims Secured by Commercial Real Estate
7 Kredit Pegawai/Pensiunan - - - 29.724.159
Claims on Pension Loans
8 Tagihan Kepada Usaha Mikro, Usaha Kecil dan - 2.364.150 - 2.825.012
Portofolio Ritel
Claims on Micro, Small, and Retail Portfolio
9 Tagihan Kepada Korporasi 9.027 2.511.887 - 7.409.712
Claims on Corporate
10 Tagihan Yang Telah Jatuh Tempo -
Claims on Past Due Exposures
11 Aset Lainnya/Other Assets 3.341.330
Sharia Exposures (if any)
Total Eksposur Neraca 15.699.673 5.116.437 0 0 0 0 0 49.228.036 0 0
Total Balance Sheet Exposures
220
2.6.b Pengungkapan Rincian Mutasi Cadangan Kerugian 2.6.b Disclosure of Details on Movements of Impairment
Penurunan Nilai - Bank secara Konsolidasi dengan Provision on Financial Assets (CKPN - Bank Consolidated with
Perusahaan Anak Subsidiary
31 Desember 2013/31 December 2013 31 Desember 2012/31 December 2012

CKPN Individual CKPN Kolektif CKPN Individual CKPN Kolektif
Keterangan
No.
Description Allowance for Allowance for Allowance for Allowance for
Impairment Losses - Impairment Losses - Impairment Losses - Impairment Losses -
Individual Collective Individual Collective
(1) (2) (3) (4) (5) (6)
1 Saldo awal CKPN 331.308 274.359 132.924 411.848
Introduction
Beginning Balance - Allowance for Impairment Losses
2 Pembentukan (pemulihan) CKPN pada periode berjalan (Net)
Allowance/reversal for impairment losses during the year
(Net)
2.a Pembentukan CKPN pada periode berjalan 157.906 386.145 198.384 129.499
Additional allowance for Impairment
Losses during the year
2.b Pemulihan CKPN pada periode berjalan
Performance
Reversal for impairment losses during the year
3 CKPN yang digunakan untuk melakukan hapus buku atas (130.198) (266.988)
tagihan pada peride berjalan
Allowance for impairment losses used to claims written off
during the year
4 Pembentukan (pemulihan) lainnya pada periode berjalan
Other allowance / reversal during the year
Good Corporate
-
Governance
489.214 530.306 331.308 274.359
4.1.a Disclosure of Net Receivable Risk Weighted after MRK effect -

Bank Individually.
41.274
Corporate Social
Beban Beban
Responsibility
ATMR Modal Tagihan Bersih Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit ATMR Modal
Net Receivable After Credit Risk Mitigation
RWA Capital RWA Capital
Lainnya
Charge 0% 20% 35% 40% 45% 50% 75% 100% 150% Charge
Others
(13) (14) (15) (16) (17) (18) (19) (20) (21) (22) (23) (24) (25) (26)
- - 14.256.017
52.934 4.235 576.892 288.446 23.076
Consolidated
- - -
512.361 40.989 95.184 2.293.625 887.732 71.019

1.744.216 139.537 1.705.953 616.713 49.337
Corporate Data
- - -
14.940.302 1.195.224 23.256.774 11.500.284 920.023
2.593.266 207.461 2.364.357 2.196.792 2.120.465 169.637
7.912.089 632.967 449.950 2.593.138 5.804.958 6.323.586 505.887
- - -
746.069 59.686 2.475.396 701.665 56.133

- - -
28.501.237 14.705.967 5.052.679 - - - - - 38.310.390 - - 22.438.891 1.795.111
221
4.1.a Pengungkapan Tagihan Bersih Berdasarkan Bobot Risiko Setelah Memperhitungkan

Dampak Mitigasi Risiko Kredit - Bank secara Individual
Kategori Portofolio
Portfolio Category
Lainnya
0% 20% 35% 40% 45% 50% 75% 100% 150%
Others
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
B Eksposur Kewajiban Komitmen/Kontinjensi pada Transaksi Rekening Administratif/Commitment and Contingencies Liabilities Exposures on Administrative Account
1 Tagihan Kepada Pemerintah 431.349
Claims on Government / Sovereign
2 Tagihan Kepada Entitas Sektor Publik
3 Tagihan Kepada Bank Pembangunan
4 Tagihan Kepada Bank
Claims on Banks
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 280.935
Claims on Corporates
10 Tagihan Yang Telah Jatuh Tempo
11 Eksposur di Unit Usaha Syariah (apabila ada)
Total Eksposur TRA 0 0 0 0 0 0 0 712.284 0 0
Total Exposures on Administrative Account
C Eksposur akibat Kegagalan Pihak Lawan/Counter party Credit Risk
1 Tagihan Kepada Pemerintah
4 Tagihan Kepada Bank/Claims on Banks
Portofolio Ritel
6 Tagihan Kepada Korporasi
Total Eksposur Counterparty Credit Risk 0 0 0 0 0 0 0 0 0 0
222
4.1.a Disclosure of Net Receivable Risk Weighted after MRK effect -
Bank Individually
41.274
Beban Beban
Lainnya
Charge 0% 20% 35% 40% 45% 50% 75% 100% 150% Charge
Others
(13) (14) (15) (16) (17) (18) (19) (20) (21) (22) (23) (24) (25) (26)
-
0 - 398.425 - -
Introduction
0 - -
0 - -
0 - -
0 - -
Performance
0 - -
0 - -
0 - -
280.935 22.475 93.166 201.434 201.434 16.115
Good Corporate
Governance
0 - -
0 - -
280.935 22.475 93.166 - - - - - - - - 201.434 201.434 16.115
- -
Corporate Social
- 9.700.298 9.700.298 - -
Responsibility
- -
- -
- 1.924.798 1.915 153
- -
Consolidated
- -
- -
0 0 11.625.096 - - - - - - - - 9.700.298 1.915 153

Corporate Data
223
4.1.b Pengungkapan Tagihan Bersih Berdasarkan Bobot Risiko Setelah Memperhitungkan

Dampak Mitigasi Risiko Kredit - Bank secara Konsolidasi dengan Perusahaan Anak

Kategori Portofolio
Portfolio Category
Lainnya
0% 20% 35% 40% 45% 50% 75% 100% 150%
Others
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
A Eksposur Neraca/ Balance Sheet Exposures
1 Tagihan Kepada Pemerintah 14.814.898 - - - - - - 0 -

Claims on Government/Sovereign
2 Tagihan Kepada Entitas Sektor Publik - - 191.833 -

3 Tagihan Kepada Bank Pembangunan - - - -

4 Tagihan Kepada Bank/Claims on Banks - 191.329 - 1.834.384
5 Kredit Beragun Rumah Tinggal - - - 3.891.994


7 Kredit Pegawai/Pensiunan - - - 29.171.479

8 Tagihan Kepada Usaha Mikro, Usaha Kecil dan - 2.364.150 - 2.808.249

Portofolio Ritel
9 Tagihan Kepada Korporasi 9.027 2.511.887 - 4.207.412

Claims on Corporate

11 Aset Lainnya/Other Assets 3.102.144

Total Eksposur Neraca 14.823.925 5.067.366 - - - - - 45.207.495 - -

Total Balance Sheet Exposures
B Eksposur Kewajiban Komitmen/Kontinjensi pada Transaksi Rekening Administratif/Commitment and Contingencies Liabilities Exposures on Administrative Account
1 Tagihan Kepada Pemerintah - - - 431.349



4 Tagihan Kepada Bank

Claims on Banks
5 Kredit Beragun Rumah Tinggal


7 Kredit Pegawai/Pensiunan

Portofolio Ritel
9 Tagihan Kepada Korporasi 224.252 -



Total Eksposur TRA - - - - - - - 655.601 - -

Total Exposures on Administrative
Account
224
4.1.b Disclosure of Net Receivable Risk Weighted after MRK effect -
41.274
Beban Beban
Charge Lainnya Charge
0% 20% 35% 40% 45% 50% 75% 100% 150%
Others
(13) (14) (15) (16) (17) (18) (19) (20) (21) (22) (23) (24) (25) (26)
- - 13.265.496 - -
Introduction
52.934 4.235 576.892 288.446 23.076
- - - -
502.547 40.204 95.184 2.055.177 580.040 46.403
Performance
1.740.852 139.268 1.696.595 612.502 49.000
- - -
14.585.740 1.166.859 22.860.600 11.479.943 918.395
2.579.017 206.321 2.364.357 2.090.010 2.040.379 163.230
Good Corporate
Governance
4.709.789 376.783 449.950 2.593.138 3.270.880 518.628 41.490
- -
537.702 43.016 2.287.474 517.718 41.417
- -
Corporate Social
Responsibility
24.708.581 1.976.686 13.715.446 5.052.679 - - - - - - 34.837.628 - 16.037.655 1.283.012
- - 398.425 - -
- - -
Consolidated
- -
- -
- -
Corporate Data
- -
- -
- -
224.252 2.803 - 294.600 201.434 16.115
- -
- -
224.252 2.803 398.425 - - - - - - 294.600 - - 201.434
225
4.1.b Pengungkapan Tagihan Bersih Berdasarkan Bobot Risiko Setelah Memperhitungkan

Dampak Mitigasi Risiko Kredit - Bank secara Konsolidasi dengan Perusahaan Anak

Kategori Portofolio
Portfolio Category
Lainnya
0% 20% 35% 40% 45% 50% 75% 100% 150%
Others
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12)
C Eksposur akibat Kegagalan Pihak Lawan/Counter party Credit Risk
1 Tagihan Kepada Pemerintah



4 Tagihan Kepada Bank/Claims on Banks

Portofolio Ritel
6 Tagihan Kepada Korporasi


Total Eksposur Counterparty Credit Risk - - - - - - - - - -
4.2.a Pengungkapan Tagihan Bersih dan Teknik Mitigasi Risiko Kredit - Bank secara Individual
Bagian Yang Dijamin Dengan
Portion Secured By
No. Kategori Portofolio Tagihan Bersih Bagian yang tidak
Net Asuransi dijamin
Receiveable Agunan Garansi kredit Lainnya Unsecured Portion
Collateral Guarantee Credit Others
Insurance
(8) = (3)- [(4)+(5)
(1) (2) (3) (4) (5) (6) (7)
+(6)+(7)]
A Eksposur Neraca
1 Tagihan Kepada Pemerintah 14.814.898 14.814.898 -
2 Tagihan Kepada Entitas Sektor Publik 191.833 191.833
4 Tagihan Kepada Bank 2.025.713 191.329 1.834.384
5 Kredit Beragun Rumah Tingal 3.891.994 3.891.994
6 Kredit Beragun Properti Komersial - -
7 Kredit Pegawai/Pensiunan 29.171.479 29.171.479
8 Tagihan Kepada Usaha Mikro, Usaha Kecil 5.172.399 2.364.150 2.808.249
dan Portofolio Ritel
9 Tagihan Kepada Korporasi 6.728.326 9.027 2.511.887 4.207.412
10 Tagihan yang Telah Jatuh Tempo -
11 Aset Lainnya 3.102.144 3.102.144
Total Eksposur Neraca 65.098.786 9.027 - 5.067.366 14.814.898 45.207.495
226
4.1.b Disclosure of Net Receivable Risk Weighted after MRK effect -
41.274
Beban Beban
Charge Lainnya Charge
0% 20% 35% 40% 45% 50% 75% 100% 150%
Others
(13) (14) (15) (16) (17) (18) (19) (20) (21) (22) (23) (24) (25) (26)
- -
- 9.748.558 -
Introduction
- -
- -
- 1.924.798 1.915 153
Performance
- -
- -
- -
Good Corporate
- - 11.673.356 - - - - - - - - - 1.915 153
Governance
4.2.a Disclosure of Net Receiveable and MRK Technique - Bank Individualy
Tagihan Portion Secured By
Corporate Social
Responsibility
Bersih Asuransi Bagian yang tidak dijamin Portfolio Category
Net Agunan Garansi kredit Lainnya Unsecured Portion
Receiveable Collateral Guarantee Credit Others
Insurance
(14) = (9)- [(10)+(11)
(9) (10) (11) (12) (13 (2)
+(12)+(13)]
Balance Sheet Exposures
13.265.496 13.265.496 - Claims on Government / Sovereign
Consolidated
576.892 576.892 Claims on Public Sector Entities
- Claims on Multilateral Development Banks and
International Entities
2.150.361 95.184 2.055.177 Claims on Banks
1.696.595 1.696.595 Claims Secured by Residential Property
- Claims Secured by Commercial Real Estate
Corporate Data
22.860.600 22.860.600 Claims on Pension Loans

4.454.367 2.364.357 2.090.010 Claims on Micro, Small, and
Retail Portfolio
6.313.968 3.043.088 3.270.880 Claims on Corporate
- Claims on Past Due Exposures
2.287.474 2.287.474 Other Assets
53.605.753 - - 5.502.629 13.265.496 34.837.628 Total Balance Sheet Exposures
227
4.2.a Pengungkapan Tagihan Bersih dan Teknik Mitigasi Risiko Kredit - Bank secara Individual
Portion Secured By
Insurance
(8) = (3)- [(4)+(5)
(1) (2) (3) (4) (5) (6) (7)
+(6)+(7)]
B Eksposur Rekening Adminsitratif -
1 Tagihan Kepada Pemerintah 431.349 431.349 -
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 -
9 Tagihan kepada Korporasi 224.252 224.252
Total Eksposur Rekening Administratif 655.601 - - - 431.349 224.252
C Eksposur Counterparty Credit Risk -
1 Tagihan Kepada Pemerintah -
2 Tagihan Kepada Entitas Sektor Publik -
6 Tagihan kepada Korporasi -
Total Eksposur Counterparty Credit Risk - - - - - -
-
Total (A+B+C) 65.754.387 9.027 - 5.067.366 15.246.247 45.431.747
228
4.2.a Disclosure of Net Receiveable and MRK Technique - Bank Individualy
Insurance
(14) = (9)- [(10)+(11)
(9) (10) (11) (12) (13 (2)
+(12)+(13)]
Commitment and Contingencies Liabilities Exposures on Administrative Account
Introduction
398.425 398.425 Claims on Government / Sovereign
- Claims on Public Sector Entities
- Claims on Banks
- Claims Secured by Residential Property
Performance
- Claims on Pension Loans
- Claims on Micro, Small, and
Retail Portfolio
294.600 93.166 201.434 Claims on Corporate
Good Corporate
Governance
693.025 - - - 93.166 599.859 Total Administrative Account Exposure
- Counterparty Credit Risk Exposure
Corporate Social
Responsibility
1.924.798 1.924.798 Claims on Banks
Retail Portfolio
- Claims on Corporate
Consolidated
11.673.356 - - - 9.748.558 1.924.798 Total Exposure Counterparty Credit Risk
-
65.972.134 - - 5.502.629 23.107.220 37.362.285 Total (A+B+C)
Corporate Data
229
4.2.b Pengungkapan Tagihan Bersih dan Teknik Mitigasi Risiko Kredit - Bank secara Konsolidasi dengan Perusahaan Anak
Portion Secured By
Insurance
(8) = (3)- [(4)+(5)
(1) (2) (3) (4) (5) (6) (7)
+(6)+(7)]
A Eksposur Neraca
1 Tagihan Kepada Pemerintah 15.690.646 15.690.646 -
2 Tagihan Kepada Entitas Sektor Publik 191.833 191.833
4 Tagihan Kepada Bank 2.074.784 240.400 1.834.384
5 Kredit Beragun Rumah Tingal 3.901.606 3.901.606
6 Kredit Beragun Properti Komersial - -
7 Kredit Pegawai/Pensiunan 29.724.159 156.444 29.567.715
8 Tagihan Kepada Usaha Mikro, Usaha Kecil 5.189.162 5.189.162
9 Tagihan Kepada Korporasi 9.930.626 9.027 2.511.887 7.409.712
11 Aset Lainnya 3.341.330 3.341.330
Total Eksposur Neraca 70.044.146 9.027 - 2.908.731 15.690.646 51.435.742
B Eksposur Rekening Adminsitratif -
1 Tagihan Kepada Pemerintah 431.349 431.349 -
5 Kredit Beragun Rumah Tinggal -
7 Kredit Pegawai/Pensiunan -
9 Tagihan kepada Korporasi 280.935 280.935
Total Eksposur Rekening Administratif 712.284 - - - 431.349 280.935
C Eksposur Counterparty Credit Risk -
1 Tagihan Kepada Pemerintah -
6 Tagihan kepada Korporasi -
Total Eksposure Counterparty Credit Risk - - - - - -
-
Total (A+B+C) 70.756.430 9.027 - 2.908.731 16.121.995 51.716.677
230
4.2.a Disclosure of Net Receiveable and MRK Technique - Bank Consolidated with Subsidiary
Insurance
(14) = (9)- [(10)+(11)
(9) (10) (11) (12) (13 (2)
+(12)+(13)]
Balance Sheet Exposures
Introduction
576.892 576.892 Claims on Public Sector Entities
2.388.809 95.184 2.293.625 Claims on Banks
1.705.953 1.705.953 Claims Secured by Residential Property
Performance
23.256.774 23.256.774 Claims on Pension Loans
4.561.149 2.364.357 2.196.792 Claims on Micro, Small, and
Retail Portfolio
8.848.046 3.043.088 5.804.958 Claims on Corporate
2.475.396 2.475.396 Other Assets
Good Corporate
Governance
58.069.036 - - 5.502.629 14.256.017 38.310.390 Total Balance Sheet Exposures
Commitment and Contingencies Liabilities Exposures on Administrative Account
398.425 398.425 Claims on Government / Sovereign
- Claims on Banks
Corporate Social
Responsibility
- Claims Secured by Residential Property
- Claims on Pension Loans
Retail Portfolio
294.600 294.600 Claims on Corporate
693.025 - - - - 693.025 Total Eksposur Rekening Administratif Consolidated
- Counterparty Credit Risk Exposure
9.700.298 9.700.298 Claims on Government / Sovereign
Corporate Data
1.924.798 1.924.798 Claims on Banks

Retail Portfolio
- Claims on Corporate
11.625.096 - - - - 11.625.096 Total Exposure Counterparty Credit Risk
-
70.387.157 - - 5.502.629 14.256.017 50.628.511 Total (A+B+C)
231
B. Risiko Pasar B. Market Risk

Risiko Pasar adalah Risiko yang timbul atas portfolio pada Market risk is the risk arising on the portfolio over the
posisi neraca dan rekening administratif termasuk transaksi balance sheet position and administrative accounts including
derivatif, akibat perubahan secara keseluruhan dari kondisi derivative transactions, due to overall changes in the market
pasar, termasuk Risiko perubahan harga option. conditions, including the risk of price changes in option.
Komponen risiko pasar meliputi: The component of the market risk include :
• Risiko Suku Bunga adalah risiko akibat perubahan • Interest rate risk is the risk due to changes in the price
harga instrumen keuangan dari posisi Trading Book of financial instruments from the Trading Book position
yang disebabkan oleh pergerakan sensitivitas risiko (risk caused by the risk factor movements on any instrument
factor) pada setiap instrumen atau akibat perubahan or as a result of changes in the Economic Value of Equity
nilai ekonomis modal (Economic Value of Equity) bank of the bank from Banking Book activities caused by
dari aktivitas Banking Book yang disebabkan oleh changes in interest rates.
perubahan suku bunga. • Classification of interest rate risk also includes the risk
• Klasifikasi risiko suku bunga mencakup pula risiko suku of interest rate from the Banking Book positions which
bunga dari posisi Banking Book yang antara lain meliputi include repricing risk, yield curve risk, basis risk, and
repricing risk, yield curve risk, basis risk, dan optionality optionality risk.
risk. • Foreign Exchange Risk is the risk due to changes in
• Risiko Nilai Tukar adalah risiko akibat perubahan nilai the Trading Book classification open position value of
posisi terbuka valuta asing klasifikasi Trading Book atau foreign exchange or as a result of changes in the Net
akibat perubahan posisi Devisa Neto bank (Banking Open Position of the bank (Banking Book) caused by
Book) yang disebabkan oleh perubahan nilai tukar changes in foreign currency exchange rates.
valuta asing.

Risiko pasar timbul dari pergerakan/perubahan tingkat The market risk arises from movements/ changes in interest
suku bunga dan/atau nilai tukar yang mempengaruhi posisi rates and/ or exchange rates which affect the bank’s financial
keuangan bank khususnya terhadap rasio permodalan. position, particularly to capital ratio. In general, market risk
Secara garis besar, manajemen risiko pasar terbagi menjadi management is divided into 2 (two), namely the trading
2 (dua) yaitu manajamen risiko pasar trading book dan book market risk management and banking book market
manajemen risiko pasar banking book. Sumber risiko pasar risk management. Sources of trading book market risk arises
trading book timbul dari aktivitas Dealing Room Divisi Treasuri from Dealing Room book activities’ of the Treasury Division
akibat posisi terbuka bank yang terekspos pergerakan suku due to the open positions of bank that are exposed to
bunga atau nilai tukar valuta asing. movements in interest rates or foreign exchange rates.
Sumber risiko pasar banking book timbul antara lain Sources of banking book market risk arises partly due to
disebabkan oleh perubahan stuktur portofolio neraca the changes in the portfolio structure of the bank’s balance
dan rekening adminstratif bank yang sensitif terhadap sheets and administrative accounts that are sensitive to
pergerakan suku bunga sehingga berdampak terhadap interest rate movements impacting the net interest income
pendapatan bunga bersih dan yang yang disebabkan pula and which are also due to changes in the portfolio structure
karena perubahan struktur portofolio neraca dan rekening of the bank’s balance sheets and administrative accounts
adminstratif bank yang sensitif terhadap pergerakan nilaii that are sensitive to movements in exchange rates which is
tukar yang tercermin dari Posisi Devisa Neto bank. reflected in the Net Open Position of bank.
Dewan Komisaris dan Direksi bertanggungjawab atas Directors
efektivitas penerapan Manajemen Risiko Pasar di Bank. The Board of Commissioners and the Board of Directors
Terkait wewenang dan tanggung jawab pengawasan are responsible for the effective implementation of the
aktif Dewan Komisaris dan Direksi bank bjb, Dewan Bank’s Market Risk Management. In relations to the active
Komisaris dan Direksi selalu memperoleh informasi yang supervision authority and responsibility of the Board of
jelas mengenai evaluasi dan penerapan manajemen Commissioners and Board of Directors of bank bjb, the Board
risiko eksposur risiko pasar, pemantauan limit secara of Commissioners and the Board of Directors always obtain
harian serta langkah-langkah yang diambil oleh Risk clear information on the evaluation and implementation of
232
Taking Unit khususnya terkait adanya pelampauan risk management of market risk exposure, supervision of
limit. limit on a daily basis as well as steps employed by the Risk
Taking Unit specifically related to the lending limit.
Dalam pelaksanaan pengawasannya, Dewan Komisaris In the implementation of its supervision, the Board of
dibantu oleh Komite Pemantau Risiko (KPR) bank secara Commissioners assisted by the bank’s Risk Monitoring
berkala melakukan pengawasan melalui koordinasi Committee (RMC) periodically conduct supervision in
dengan Satuan Kerja Manajemen Risiko. Media coordination with the Risk Management Unit. The coordination
koordinasi yang digunakan dapat berupa laporan media utilized can be in the form of risk monitoring reports
pemantauan risiko oleh SKMR yang disampaikan by SKMR submitted to the Risk Monitoring Committee or
Introduction
kepada Komite Pemantau Risiko ataupun melalui media through the media of meetings between the two parties.
rapat antara kedua belah pihak. Pada implementasinya, In its implementation, the general meeting implemented
Pelaksanaan rapat yang diadakan umumnya membahas generally discussed the implementation of risk management
penerapan manajemen risiko di bank bjb menyangkut in bank bjb concerning among others the application of
diantaranya penerapan pengukuran risk tolerance risiko market risk measurement of risk tolerance, material risk
pasar, pembahasan profil risiko yang bersifat material, profile discussion, as well as the adequacy and evaluation of
Performance
serta kecukupan dan evaluasi metodologi dan/atau tools methodologies and/ or market risk measurement tools used
pengukuran risiko pasar yang dipergunakan Satuan by the Risk Management Unit.
Kerja Manajemen Risiko.
Pengawasan yang dilakukan oleh Direksi adalah melalui Supervision carried out by the Board of Directors is through
pemantauan penerapan limit Treasury secara berkala the monitoring of the implementation of the Treasury limit
Good Corporate
Governance
baik terjadi pelampauan limit (breach limit) maupun tidak periodically in the event of breach limit occurrences or
terjadi pelampauan limit, dan melakukan persetujuan not, and provide limit approval that are new or after being
atas limit yang bersifat baru ataupun setelah dilakukan amended. Discussions on the management of the market
perubahan. Pembahasan tentang pengelolaan risiko risk related to interest rate determination ( pricing ) and
pasar terkait penentuan tingkat suku bunga (pricing) the structure of the bank’s assets and liabilities are carried
dan struktur aset & kewajiban bank dilakukan dalam at the ALCO (Asset & Liability Committee) Meeting, while
Corporate Social
Rapat ALCO (Asset & Liability Committee) sedangkan discussions on the market risk exposures are discussed
Responsibility
pembahasan eksposur risiko pasar dibahas dalam in the Risk Management Committee and/ or the Market
rapat Komite Manajemen Risiko (Risk Management Risk Committee meetings. In line with the market risk
Committee) dan/atau Komite Risiko Pasar (Market Risk management policies regarding the stages of escalation of
Committee). Sejalan dengan kebijakan manajemen limit breach, any limit breaches will be informed and approved
risiko pasar mengenai tahapan eskalasi pelampauan in the event of abnormal conditions in the Risk Management
limit, setiap pelampauan limit akan diinformasikan dan Committee (RMC). The management of the market risk is
Consolidated
disetujui apabila terjadi kondisi abnormal dalam Komite arranged in the form of policies, procedures, risk limits, and
Manajemen Risiko (RMC). Pengelolaan risiko pasar other decision results relating to the management of market
tersebut disusun ke dalam bentuk kebijakan, prosedur, risk. The limit of the bank’s market risk and risk appetite are
limit risiko dan hasil keputusan lainnya terkait dengan evaluated periodically or at any time deemed needed to be
pengelolaan risiko pasar. Limit risiko pasar dan risk evaluated in accordance with the bank’s changing business
appetite bank dievaluasi secara periodik atau sewaktu- environment.
Corporate Data
waktu diperlukan untuk dilakukan evaluasi sesuai

dengan perubahan lingkungan bisnis bank.
2. Kecukupan Kebijakan, Prosedur dan Penetapan Limit 2. Adequacy of Policy, Procedure, and Establishment of Limit
Sebagai penerapan manajemen risiko pasar yang bersifat As an application of a dynamic market risk management,
dinamis, Satuan Kerja Manajemen Risiko bank melakukan the Risk Management Unit of the bank periodically updates
pembaharuan dan evaluasi atas kebijakan dan pedoman and evaluates the policies and guidelines of the bank’s
manajemen risiko bank secara berkala. Evaluasi pedoman risk management. The evaluation of the market risk limit
pengukuran limit risiko pasar oleh Satuan Kerja Manajemen measurement guidelines by the Risk Management Unit
Risiko secara berkala dan dilakukan pembahasan dengan risk are conducted periodically and discussions with the risk
taking unit (Divisi Treasury) dan selanjutnya akan diajukan taking unit (Treasury Division) and subsequently submitted
kepada Direksi untuk persetujuan atas pedoman dimaksud. to the Board of Directors for the approval of the intended
guidelines.
233
Terkait dengan evaluasi penetapan limit Dealing Room Related to the Dealing Room Treasury and ALM limit
Treasury dan ALM yang diajukan oleh Divisi Treasury, Satuan determination evaluation submitted by the Treasury Division,
Kerja Manajemen Risiko melakukan evaluasi terhadap the Risk Management Unit evaluates the limits through
limit tersebut dengan metodologi yang telah disahkan methodologies that has been validated in the bank’s risk
dalam pedoman manajemen risiko bank. Limit untuk level management guidelines. The limit for treasury portfolio level
portofolio treasury dievaluasi minimal satu tahun sekali is evaluated at least once a year or can be carried out more
atau dapat dilakukan lebih sering jika terdapat pergerakan frequently in the event of market price volatile movements
volatilitas harga pasar atau perubahan business plan risk or changes in the business plan of the risk taking unit.
taking unit. Evaluasi analisa tersebut sekurang-kurangnya The analysis evaluation shall at least contain background
memuat informasi mengenai latar belakang perubahan information about limit changes, current conditions, the
limit, kondisi saat ini, dasar perhitungan dalam melakukan basis of calculations in conducting limit changes, compliance
perubahan limit, kepatuhan terhadap regulasi dan dampak to the regulations and the impacts on the capital.
terhadap modal.
3. Kecukupan Proses Identifikasi, Pengukuran, Pemantauan, 3. Adequacy of Identification Process, Measurement,

dan Pengendalian Risiko, serta Sistem Informasi Manajemen Monitoring, and Risk Control, as well as the Risk Management
Risiko Information System
Dalam melakukan penerapan Manajemen Risiko melalui In conducting the implementation of Risk Management
proses identifikasi, pengukuran, pemantauan, dan through the process of identification, measurement,
pengendalian Risiko, serta sistem informasi Manajemen monitoring, and controlling risks, as well as the Risk
Risiko untuk Risiko Pasar sebagaimana Surat Edaran Bank Management information system for the Market Risk as
Indonesia Nomor 13/23/DPNP tanggal 25 Oktober 2011, stipulated in Bank Indonesia Circular Letter No. 13/23/DPNP
Bank melakukan penerapan manajemen risiko yaitu : dated October 25, 2011, the Bank implements the risk
management, namely:
a. Identifikasi Risiko Pasar a. Market Risk Identification

Proses identifikasi risiko pasar meliputi identifikasi dari The market risk identification process includes the
karakteristik produk baru, identifikasi sumber risiko identification of new product characteristics, identification of
pasar yang dapat berdampak kepada transaksi yang sources of market risk that may affect the transactions that
akan dilakukan oleh Dealing Room Treasury. Proses will be conducted by the Dealing Room Treasury. The risk
identifikasi Risiko yang disesuaikan dengan Risiko Pasar identification process that are adapted to the market risks
melekat pada aktivitas bisnis Bank yang meliputi risiko inherent in the Bank’s business activities which are included
suku bunga antara lain repricing risk, yield curve risk, in the interest rates risk are, among others, repricing risk,
basis risk, dan optionality risk dan untuk risiko nilai yield curve risk, basis risk and optionality risk and for foreign
tukar antara lain tercermin dari besarnya eksposur exchange risk are among others as reflected in the amount
transaksional. Satuan Kerja Manajemen Risiko juga of transactional exposure. The Risk Management Unit also
melakukan review atau evaluasi atas produk maupun conducts reviews or evaluations on products or activities
aktivitas yang terekspos pengaruh pergerakan variabel that are exposed to the influence of movements in market
pasar. variables.
b. Pengukuran Risiko Pasar b. Market Risk Measurement

Pengelolaan portofolio Divisi Treasuri tanpa adanya dasar The portfolio management of the Treasury Division with no
pertimbangan dan penilaian risiko akan mengakibatkan consideration basis nor risk assessments will result in the
kerugian di atas toleransi bank dalam menyerap loss of tolerance of the bank to absorb losses. One way to
kerugian. Salah satu cara dalam menanggulangi inhibit risk occurrences that may cause harm to the bank’s
kejadian risiko yang dapat menyebabkan kerugian risk tolerance is the application of risk tolerance or limit
di atas toleransi risiko bank adalah penggunaan transactions that are allowed by the management of the
toleransi risiko atau limit transaksi yang diperkenankan bank. The limit application by the Treasury Division as the risk
manajemen bank. Pengajuan limit oleh Divisi Treasuri taking unit must obtain a measured risk assessment by the
sebagai risk taking unit harus mendapatkan kajian risiko Risk Management Division. The limit application is intended
secara terukur oleh Divisi Manajemen Risiko. Pengajuan to facilitate the management of bank bjb in understanding
limit ini bertujuan untuk mempermudah Manajemen risks as well as its management.
bank bjb dalam memahami risiko yang dihadapi serta
pengelolaan risikonya.
234
Pengajuan limit harus meliputi kriteria-kriteria sebagai The limit application must include the following criteria:
berikut :
Divisi Treasuri sebagai risk taking unit menerapkan The Treasury Division as the risk taking unit implements
“trading” dan “hedging” secara berkala sebagai bagian “trading” and “hedging” on a regular basis as part of
dari proses pengelolaan bisnis Treasury khususnya bidang the Treasury business management process particularly in
Treasury Trading. Pada konteks limit berbasis risiko ini, yang the Treasury Trading field. In this risk-based limit context,
ditentukan adalah limit yang berkaitan dengan aktivitas the limit set is related to Treasury activities. In the limit
Treasury. Dalam proses penerapan limit dilakukan usaha implementation process, approaches are conducted to the
pendekatan dimana terdapat komponen-komponen yang supporting components, among others:
mendukung diantaranya:
Introduction
a. Rencana Bisnis a. Business Plan
• Rencana bisnis harus secara luas mencantumkan • The business plan must broadly states the purpose
tujuan dari limit yang diminta, target pasar, of the requested limit, the target market, expected
pendapatan yang diharapkan dan kebutuhan akan revenues and the required capital. The plan must
modal. Rencana tersebut harus mengkualifikasikan qualify how the limit will be utilized, such as
Performance
cara bagaimana limit tersebut akan dipergunakan, “trading” or “hedging”.
contoh “trading” atau “hedging”. • The limit application must identify a specific currency
• Aplikasi limit harus mengidentifikasi mata uang and market becoming exposures to the business
dan pasar spesifik yang menjadi eksposur terhadap unit objectives.
tujuan unit bisnis.
Good Corporate
Governance
b. Persyaratan Modal dan Proyeksi Pendapatan b. Capital Requirement and Projected Revenues
• Divisi Treasuri meminta masukan dari Divisi • The Treasury Division requests input from the Risk
Manajemen Risiko dalam mengukur alokasi modal Management Division in measuring the capital
yang harus disediakan dalam memitigasi potensi allocation that should be provided to mitigate
kerugian yang akan timbul. potential losses that may arise.
• Divisi Treasuri harus memberikan proyeksi • The Treasury Division must provide the projected
Corporate Social
pendapatan yang berhubungan dengan aplikasi revenues associated with the limit application. The
Responsibility
limit. Proyeksi tersebut akan memudahkan Direksi projections will facilitate the Board of Directors in
dalam proses pengambilan keputusan persetujuan the decision-making process of limit approval.
limit.
c. Penggunaan historis c. The use of historical
Divisi Treasuri dapat memberikan analisa trend market The Treasury Division can provide the market outlook
outlook dengan penggunaan historis yang ada atas trend analysis with the use of existing historic on risk
Consolidated
eksposur risiko atau limit yang akan diterapkan. exposures or limit which will be implemented.
Prosedur kerja pengukuran limit unit bisnis Treasuri The Treasury business unit limit measurement working procedures
mempertimbangkan beberapa aspek yang dinilai cukup consider several aspects that are assessed to have the potentials
berpotensial dalam menimbulkan kejadian risiko. Komponen of risk occurrences. Underlying components in the measurement
yang mendasari dalam pengukuran limit memuat yaitu: of limit are namely:
Corporate Data
a) Faktor sensitivitas risiko pasar a) Market risk sensitivity factor

Setiap aktivitas Treasuri terdapat risiko yang melekat (risk Each Treasury activities are risk inherent in which the process
inherent) dimana proses dalam pengukuran risiko harus of risk assessment shall be based on the sensitivity of the
didasarkan pada sensitivitas risiko yang melekat pada inherent risk in the Treasury transaction activities. The
aktivitas transaksi Treasuri. Faktor sensitivitas risiko pasar market risk sensitivity factors include PV01, Duration, Vega,
meliputi yaitu PV01, Duration, Vega, Gamma, Theta, Rho, Gamma, Theta, Rho, and transaction volatility.
dan volatilitas transaksi.
b) Kecukupan Data b) Adequacy of Data

Kecukupan data diperlukan sebagai kecukupan prosedur Data adequacy is required as a statistic analysis procedure
analisis statistik dan agar analisis pengukuran terhadap adequacy and to ensure the risk assessment analysis
risiko menghasilkan output yang memadai dan sesuai generates adequate output and in accordance with the risk
235
dengan eksposur risiko yang dihadapi oleh bank. Data exposure faced by the bank. The data required is historical
yang diperlukan adalah data historis yang dibutuhkan guna data needed to strengthen a measurement analysis of risk
memperkuat suatu analisis pengukuran limit risiko. limit.
c) Pengukuran Value at Risk c) Value at Risk Measurement

Model Value at Risk tersebut dipergunakan dalam mengukur The Value at Risk model is used in measuring and analyzing
dan menganalisa risiko transaksi Treasuri secara komprehensif the Treasury’s transaction risks in a comprehensive and
dan terukur. Misalnya, penggunaan VaR (value at risk) untuk measurable manner. For example, the use of VaR (value
mengukur kerugian/budget loss atas aktivitas transaksi at risk) to measure budget loss over the Treasury trading
Treasury trading selain itu kegunaan model ini juga dapat transaction activities in addition the benefit of this model
mengukur perkiraan kerugian terburuk yang dapat dialami can also measure the expected worst loss caused to the Bank
Bank dalam selang waktu tertentu pada kondisi pasar yang in a certain time interval in normal market conditions and a
normal dan tingkat kepercayaan tertentu. certain confidence level.
Beberapa strategi pengelolaan risiko pasar yang dilakukan Several market risk management strategies conducted
bank bjb adalah mencakup sistem dan prosedur dengan by bank bjb include systems and procedures through the
menggunakan teknik Mark To Market, Value at Risk (VaR), utilization of Mark To Market, Value at Risk (VaR), Stress
Stress Testing, Repricing Gap & Duration Gap Model atau Testing, Repricing Gap and Duration Gap Model techniques
metoda lain yang sesuai untuk mendapatkan nilai wajar or other appropriate methods to obtain a fair exposure value
eksposur secara berkala, sekaligus merupakan platform on a regular basis, as well as an accurate platform to assess
yang tepat untuk menilai posisi risiko. the risk position.
Pada saat ini bank bjb menerapkan metode yang mampu Currently bank bjb applied a method that is capable
mengukur risiko terhadap nilai tukar yaitu dengan of measuring the risk of the exchange rate, namely the
menggunakan Model Nilai Tukar Var EWMA (Exponential Exponential Weighted Moving Average (EWMA) which
Weighted Moving Average) yang dilengkapi dengan is equipped with Fundamental Analysis and Historical
Fundamental Analysis dan Historical Simulation untuk Simulation to capture the exchange rate risk that is reflected
menangkap tingkat risiko nilai tukar yang tercermin dalam in the Net Open Position. bank bjb has also developed an
Posisi Devisa Netto. bank bjb juga telah membangun model interest rate level measurement model using a methodology
pengukuran risiko tingkat suku bunga dengan menggunakan that can capture the interest rate risk from the portfolio of
metodologi yang dapat menangkap risiko suku bunga assets and liabilities that are sensitive to changes in interest
dari portofolio aset dan kewajiban yang sensitif terhadap rates as well as determine the amount of risk to the bank
perubahan suku bunga serta menentukan besaran risiko through the Repricing Profile, Duration GAP and Economic
terhadap bank melalui Repricing Profile, Duration GAP, dan Value of Equity (EVE). In the process of measuring the
Economic Value of Equity (EVE). Dalam proses pengukuran potential loss both in interest rates and exchange rates
potensi kerugian baik itu suku bunga dan nilai tukar dari from Treasury transactions are measured through historical
transaksi-transaksi Treasury diukur melalui VaR simulasi simulation of VaR both by systems (OPICS Risk) or manually.
historis baik secara sistem (OPICS Risk) maupun manual. Internal feasibility studies of VaR historical simulation are
Pengujian kelayakan internal VaR simulasi historis melalui conducted through back testing VaR vs Profit// Loss Treasury
back testing VaR vs Profit/Loss Treasury dan dilakukan secara and performed periodically.
berkala.
c. Pemantauan Risiko Pasar c. Market Risk Monitoring

Aktivitas manajemen risiko dalam melakukan proses Risk management activities in conducting business
pemantauan aktivitas bisnis antara lain melalui: activity monitoring process are through, among others:
1. Adanya RMA (Risk Manegement Agency) yang 1. The existence of the RMA (Risk management Agency)
berfungsi untuk melakukan proses manajemen which serves to perform trading book market risk
risiko pasar trading book melalui pemantauan limit management process through the daily monitoring
Treasuri secara harian, misalnya ketentuan GWM, of the Treasuries’ limit, for example minimum reserve
open position, budget loss, risk sensitivity limit, dan requirement provision, open position, budget loss,
lainnya. Sebagai upaya proses pemantauan yang risk sensitivity limit, and others. As an effective and
efektif dan akurat, bank telah memiliki sistem OPICS accurate monitoring process effort, the bank has
236
Risk yang berfungsi dalam mengukur eksposur risiko had the OPICS Risk system which serves to measure
trading book yang dilakukan oleh dealing room the trading book risk exposures undertaken by the
Treasury. Treasury dealing room.
2. Pemantauan risiko nilai tukar banking book 2. Monitoring of the trading book exchange rate risk
dilakukan melalui pemantauan Posisi Devisa Neto monitoring is performed through the monitoring
per 30 menit serta secara harian agar berada dalam of the Net Open Position per 30 minutes as well as
toleransi limit internal bank dan regulasi Bank daily to be in the internal bank limit tolerance and
Indonesia. the regulations of Bank Indonesia.
3. Pemantauan risiko suku bunga banking book 3. Monitoring of the banking book interest rate risk
dilakukan melalui pengukuran Repricing GAP, conducted through the measurement of Repricing
Introduction
Duration GAP, dan Economic Value of Equity (EVE) GAP, Duration GAP and Economic Value of Equity
untuk melihat sensitivitas porotfolio aktiva dan (EVE) to see the portfolio sensitivity of the bank’s
pasiva bank dalam menghadapi perubahan suku assets and liabilities in encountering the changes in
bunga di masa datang. interest rates in the future.
4. Monitoring risiko sovereign (Credit Default Swap 5 4. Monitoring the sovereign risk (Credit Default Swap
Year) sebagai indikator penilai risiko investasi dari 5 Year) as an indicator of investment risk assessors
Performance
counterparty atau suatu negara asing melalui sistem of a counterparty or a foreign country through the
informasi manajemen risiko. Apabila tingkat CDS risk management information system. In the event
meningkat secara signifikan maka unit bisnis harus the CDS level increased significantly, the business
melakukan keputusan yang menghindari kerugian unit must undertake decisions to avoid huge losses
yang sangat besar bagi bank. to the bank.
5. Melakukan evaluasi terhadap eksposur risiko yang 5. To evaluate the bank’s risk exposures.
Good Corporate
Governance
dimiliki oleh bank. 6. In the event of limit breach, the Risk Management
6. Apabila terjadi pelampauan limit, Divisi Manajemen Division immediately the breach to the Board of
Risiko segera melakukan pelampauan tersebut Directors.
kepada Direksi.
d. Pengendalian Risiko Pasar d. Market Risk Control
Corporate Social
Strategi yang diambil oleh bank dalam proses The strategy adopted by the bank in the market risk
Responsibility
pengendalian risiko pasar, antara lain melalui hedging, control process, among others through hedging,
squaring position, back-to-back dan cara lain yang squaring position, back-to-back and other methods that
bertujuan untuk meng-off-set suatu transaksi/posisi yang aimed to off-set a transaction/ position experiencing
mengalami kerugian serta stress testing guna melihat loss as well as stress testing to observe the resilience
ketahanan posisi keuangan bank dalam menghadapi of the bank’s financial position in the face of crisis.
kondisi krisis. Selain itu pula dapat digunakan untuk In addition, it can also be used to transfer the risk of
Consolidated
mentransfer risiko yang dimiliki dealing room Treasury the Treasury dealing room as long as the risk transfer
bank sepanjang transfer risiko tersebut masih berada is still in the bank’s risk limit. The Bank also restricts or
dalam risk limit bank. Bank juga membatasi atau prohibits certain types of transactions or instruments to
melarang jenis transaksi atau instrumen tertentu untuk be transacted by the business unit, as well as reducing
ditransaksikan oleh bisnis unit, serta mengurangi risiko risk by providing a maximum transaction or portfolio
dengan cara memberikan batas maksimum transaksi limit in accordance with the risk appetite of the bank.
Corporate Data
atau portofolio sesuai dengan risk appetite bank.

Dalam rangka pengembangan penerapan manajemen In order to develop the implementation of a dynamic risk
risiko yang dinamis, Satuan Kerja Manajemen Risiko selalu management, the Risk Management Unit continuously
melakukan evaluasi atas kebijakan, prosedur dan limit risiko evaluates the policies, procedures and market risk limits on
pasar secara berkala. Sebagai upaya pengendalian risiko a regular basis. As an effort to control the market risk in
pasar berupa kecukupan kebijakan dan prosedur Satuan the form of adequacy of policies and procedures of the Risk
Kerja Manajemen Risiko, kaji ulang atas kebijakan dan Management Unit, a review on the policies and procedures
prosedur dilakukan oleh unit independen baik di internal is carried out by an independent unit in both internally or
ataupun pihak eksternal. external parties.
237
Pelaksanaan kaji ulang dan evaluasi terhadap pengukuran The implementation of review and evaluation to the risk
risiko yang dilakukan oleh Divisi Manajemen Risiko meliputi: measurement performed by the Risk Management Division
• Kesesuaian kebijakan, desain proses Manajemen Risiko, include:
sistem informasi, dan pelaporan manajemen risiko bank • The conformity of policy, Risk Management process
dengan kebutuhan bisnis Bank, serta perkembangan design, information systems, and the bank’s risk
peraturan dan praktek terbaik (best practice) terkait management reporting with the Bank’s business needs,
Manajemen Risiko; as well as regulatory developments and best practices
• Metode, asumsi, dan variabel yang digunakan untuk related to Risk Management;
mengukur Risiko dan menetapkan limit risiko pasar; • Methods, assumptions, and variables used to measure
• Perbandingan antara asumsi yang digunakan dalam Risk and determining the market risk limits;
metode pengukuran risiko yang dipergunakan dengan • The comparison between the assumptions used in the
kondisi yang sebenarnya/aktual; risk measurement methods that are utilized in actual
• Perbandingan antara limit yang ditetapkan dengan conditions;
eksposur yang sebenarnya/aktual; • Comparison between the set limit and the actual
exposure;
Hasil kaji ulang Satuan Kerja Manajemen Risiko (Divisi The review results of the Risk Management Unit (Risk
Manajemen Risiko) yang telah dikaji ulang oleh Satuan Management Division) which have been reviewed by
Kerja Audit Intern (SKAI) akan disampaikan dalam Komite the Internal Audit Unit (SKAI) will be conveyed in the
Manajemen Risiko (RMC) untuk kemudian diminta Risk Management Committee (RMC) to be subsequently
persetujuannya kepada Direksi. Pembahasan tersebut prompted for approval to the Board of Directors. The
dilakukan pula dengan Dewan Komisaris yang dibantu oleh discussion was also held with the Board of Commissioners,
Komite Pemantau Risiko. Kaji ulang yang dilakukan oleh assisted by the Risk Monitoring Committee. The review
Satuan Kerja Audit Intern (SKAI) meliputi: carried out by the Internal Audit Unit (SKAI) includes:
• Keandalan kerangka Manajemen Risiko, yang mencakup • Reliability of Risk Management framework, which
kebijakan, struktur organisasi, alokasi sumber daya, includes policies, organizational structure, resource
desain proses Manajemen Risiko, sistem informasi, dan allocation, Risk Management process design, information
pelaporan Risiko Bank; systems, and reporting of Bank’s Risks;
• Proses pemantauan yang dilakukan oleh Satuan Kerja • Monitoring process conducted by the Risk Management
Manajemen Risiko; Unit;
• Evaluasi atas metodologi pengukuran Satuan Kerja • Evaluation on the measurement methodology of the
Manajemen Risiko; Risk Management Unit;
5. Pengungkapan Kuantitatif Risiko Pasar 5. Quantitative Market Risk Disclosure
238
7.1. Pengungkapan Risiko Pasar dengan Menggunakan 7.1. Market Risk Disclosure using Standardized Approach
Metode Standar
31 Desember 2013/December 31, 2013 31 Desember 2012/December 31, 2012
Konsolidasi Konsolidasi
bank bjb bank bjb
Consolidated Consolidated
Keterangan
No Beban Beban Beban Beban
Description
Modal ATMR Modal ATMR Modal ATMR Modal ATMR
Capital RWA Capital RWA Capital RWA Capital RWA
Charge Charge Charge Charge
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
1 Risiko Suku Bunga 88,052 1,100,645 88,052 1,100,645 88,052 484,986 88,052 484,986
Interest Rate Risk
Introduction
a. Risiko Spesifik 88,052 1,100,645 88,052 1,100,645 38,799 484,986 38,799 484,986
Specific Risk
b. Risiko Umum - -
General Risk
2 Risiko Nilai Tukar 5,110 63,878 5,110 63,878 4,512 56,399 4,512 56,399
Foreign Exchange Risk
3 Risiko Ekuitas *) - -
Equity Risk
Performance
4 Risiko Komoditas *) - -
Commodity Risk
5 Risiko Option - -
Option Risk
Total 93,162 1,164,523 93,162 1,164,523 92,563 541,385 92,563 541,385
Good Corporate
Governance
C. Risiko Likuiditas C. Liquidity Risk
Risiko Likuiditas adalah risiko akibat ketidakmampuan bank Liquidity risk is the risk due to the inability of the bank to meet
untuk memenuhi kewajiban yang timbul atau kewajiban yang obligations or liabilities that have matured. This risk is due to
telah jatuh tempo. Risiko ini terjadi akibat kegagalan pengelolaan the failure of investment management and fund investment
sumber dana dan penanaman dana (mismatch) atau kekurangan (mismatch) or a liquidity shortage (shortage) which lead the bank
likuiditas (shortage) yag mengakibatkan bank tidak mampu to be unable to meet its financial obligations at a predetermined
Corporate Social
Responsibility
memenuhi kewajiban keuangannya pada waktu yang telah time.
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 the bank’s
bank tidak mampu melakukan offsetting posisi tertentu inability to offset a certain position with the market price
dengan harga pasar karena kondisi likuiditas pasar yang due to inadequate market liquidity conditions or market
Consolidated
tidak memadai atau terjadi gangguan di pasar (market disruption;
disruption); • Funding liquidity risk, namely the risk arising from the bank’s
• Risiko Likuiditas Pendanaan, yaitu risiko yang timbul karena inability to disburse its assets or obtain funding from other
bank tidak mampu mencairkan asetnya atau memperoleh sources.
pendanaan dari sumber dana lain. 1. Active Supervision by the Board of Commissioners and
1. Pengawasan Aktif Dewan Komisaris dan Direksi Directors
Corporate Data
Dewan Komisaris dan Direksi bertanggung jawab atas The Board of Commissioners and the Board of Directors
efektivitas penerapan Manajemen Risiko Likuiditas are responsible for the effective implementation of
di Bank. Terkait wewenang dan tanggung jawab Liquidity Risk Management of the Bank. In relations to
pengawasan aktif Dewan Komisaris dan Direksi bank the active supervision authority and responsibility of
bjb, Dewan Komisaris dan Direksi selalu memperoleh the Board of Commissioners and Board of Directors of
informasi yang jelas mengenai evaluasi dan penerapan bank bjb, the Board of Commissioners and the Board
manajemen risiko eksposur risiko likuiditas, pemantauan of Directors always obtain clear information on the
limit 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 daily
pelampauan limit. basis as well as steps employed by the Risk Taking Unit
specifically related to the lending limit.
239
Dalam pelaksanaan pengawasannya, Dewan Komisaris In the implementation of its supervision, the Board of
dibantu oleh Komite Pemantau Risiko (KPR) bank Commissioners assisted by the bank’s Risk Monitoring
yang secara berkala melakukan pengawasan melalui Committee (RMC) periodically conduct supervision
koordinasi dengan Satuan Kerja Manajemen Risiko. in coordination with the Risk Management Unit. The
Media koordinasi yang digunakan dapat berupa laporan coordination media utilized can be in the form of
pemantauan risiko oleh SKMR yang disampaikan risk monitoring reports by SKMR submitted to the
kepada Komite Pemantau Risiko maupun melalui Risk Monitoring Committee or through the media of
media rapat antara kedua belah pihak. Adapun rapat meetings between the two parties. In its implementation,
yang diadakan tersebut pada umumnya membahas the general meeting implemented generally discussed
penerapan manajemen risiko di bank bjb menyangkut the implementation of risk management in bank
diantaranya penerapan pengukuran risk tolerance risiko bjb concerning among others the risk tolerance
likuiditas, stress testing likuiditas, pembahasan profil measurement application of the liquidity risk, liquidity
risiko likuiditas yang bersifat material, dan kecukupan stress testing, material liquidity risk profiles, and
metodologi pengukuran yang dipergunakan Satuan adequacy of the measurement methodology utilized by
Kerja Manajemen Risiko. Pengawasan yang dilakukan the Risk Management Unit. Supervision carried out by
oleh Direksi yaitu memantau penerapan limit Treasury the Board of Directors is through the monitoring of the
secara berkala baik terjadi pelampauan limit (breach implementation of the Treasury limit periodically in the
limit) maupun tidak terjadi pelampauan limit, melakukan event of breach limit occurrences or not, and provide
persetujuan atas limit yang bersifat baru ataupun limit approval that are new or after being amended.
perubahannya. Pembahasan tentang pengelolaan Discussions on the management of the liquidity risk
risiko likuiditas seperti komposisi deposan inti, maturity such as the core depositors’ composition, maturity
profile bank dilakukan dalam Rapat ALCO (Asset profile of the bank, are carried at the ALCO (Asset &
Liability Committee) sedangkan pembahasan eksposur Liability Committee) Meeting, while discussions on
risiko likuiditas seperti profil risiko likuiditas yang the liquidity risk exposures such as material liquidity
bersifat material, liquidity stress testing, dan eksposur risk profiles, liquidity stress testing, and other liquidity
risiko likuiditas lainnya dibahas dalam rapat Komite risk exposures are discussed in the Risk Management
Manajemen Risiko (RMC). Terkait limit risiko likuiditas Committee meetings. The limit of the bank’s market
dan risk appetite bank dievaluasi secara periodik namun risk and risk appetite are evaluated periodically or at
dapat dipercepat sesuai dengan perubahan lingkungan any time deemed needed to be evaluated in accordance
bisnis bank. with the bank’s changing business environment.
2. Kecukupan Kebijakan, Prosedur dan Penetapan Limit 2. Adequacy of Policy, Procedure, and Establishment of
Limit
Sebagai upaya menghadapi permasalahan likuiditas As an effort to encounter fundamental liquidity issues,
mendasar, bank telah memiliki kebijakan dan pedoman the bank has established policies and guidelines related
terkait penerapan manajemen risiko likuiditas. Kebijakan to liquidity risk management. The policies and guidelines
dan pedoman tersebut memuat diantaranya prosedur contain among others procedures for liquidity risk
pengukuran risiko likuiditas, stress testing likuiditas yang measurement, liquidity stress testing which includes
memuat skenario general market crisis dan bank specific general market crisis and bank specific crisis scenarios.
crisis. Terkait kebijakan penerapan limit gap likuiditas, In relations to the policy implementation of liquidity gap
prosedur eskalasi pelampauan limit, rencana kontinjensi limits, limit breaches escalation procedures, funding
pendanaan likuiditas, saat ini bank masih menyusun liquidity contingency plan, the bank is currently still
prosedur dan langkah-langkahnya bersama risk formulating the procedures and methods with the
taking unit dimana untuk ke depannya akan dijadikan risk taking unit which in the future will be used as a
kebijakan aturan yang perlu dipatuhi oleh risk taking policy provisions which needs to be adhered by the risk
unit. Penetapan limit likuiditas yang berjalan di bank taking unit. The determination of liquidity limits which
yaitu penetapan limit primary reserve, secondary reserve will be performed by the bank are namely the limit
dan ekses reserve GWM sedangkan untuk penetapan determination of primary reserve, secondary reserve
pagu kas di Cabang Operasional dilakukan oleh Divisi and excess reserve of the Statutory Reserves while
Operasional. the determination of maximum cash at Operational
Branches will be conducted by the Operational Division.
240
Satuan Kerja Manajemen Risiko selalu melakukan The Risk Management Unit continuously evaluates the
evaluasi atas kebijakan, prosedur dan analisis kinerja policies, procedures and performance analysis of the
bank terhadap limit yang diterapkan. Adapun perubahan bank towards the applied limit. While limit changes are
limit dilakukan oleh risk taking unit untuk kemudian conducted by the risk-taking units to then be evaluated
dilakukan evaluasi melalui pengukuran yang telah through a measurement that has been standardized by
distandarisasi oleh Satuan Kerja Manajemen Risiko. the Risk Management Unit.

dan Pengendalian Risiko, serta Sistem Informasi Manajemen Monitoring, and Risk Control, as well as Risk Management
Introduction
Kebijakan risiko likuiditas mencakup risiko yang menyebabkan Liquidity risk policy covers risks that caused the bank to
bank menderita kerugian akibat meningkatnya biaya dana suffer losses due to the rising cost of funds or the presence
atau adanya hambatan/keterbatasan dalam memenuhi of barriers/ limitations to meet its maturing obligations. Most
kewajiban yang jatuh tempo. Sebagian besar transaksi financial transactions or commitments have impacts on the
finansial atau komitmen mempunyai dampak terhadap liquidity of the bank. Therefore, banks are highly vulnerable
likuiditas bank. Oleh karena itu, bank sangat rentan to liquidity issues, both for the bank itself and its impact on
Performance
terhadap masalah likuiditas, baik bagi bank itu sendiri the banking industry as a whole. The bank is obliged to meet
maupun pengaruhnya terhadap industri perbankan secara its financial obligations in a timely manner, therefore, the
keseluruhan. Bank berkewajiban memenuhi kewajiban bank must be able to maintain an adequate level of liquidity
keuangannya secara tepat waktu sehingga bank harus at all times.
mampu memelihara suatu tingkat likuiditas yang memadai
setiap waktu.
Good Corporate
Governance
Dalam menentukan limit risiko likuiditas, bank memperhatikan In determining the liquidity risk limits, the bank considers
kondisi likuiditas dari aktiva-pasiva bank. Likuiditas yang the liquidity condition of the bank’s assets and liabilities.
cukup besar perlu dikelola secara baik dan dijadikan indikator Substantial liquidity needs to be managed well and used
dalam menerapkan limit risiko likuiditas untuk mendukung as indicators in the implementation of liquidity risk limits to
upaya peningkatan profitabilitas bank, karena likuiditas support the efforts to increase the profitability of the bank,
yang cukup besar justru akan meningkatkan idle fund dan because a large liquidity will increase idle funds and would
Corporate Social
akan merugikan bagi bank terutama bank yang didanai be detrimental to the bank, especially banks that are funded
Responsibility
nasabah korporasi. Gap likuiditas secara historis dapat by corporate customers. Historic liquidity gap can be used
dijadikan patokan dalam menentukan limit risiko likuiditas as a benchmark in determining the liquidity risk limits for a
bagi bank. Penerapan limit likuiditas yang berjalan di bank bank. The implementation of liquidity limit performed by the
yaitu penetapan limit primary reserve, secondary reserve dan bank are namely the limit determination of primary reserve,
ekses reserve GWM sedangkan untuk penetapan pagu kas secondary reserve, and excess reserve of the Statuary Reserve
di Cabang Operasional dilakukan oleh Divisi Operasional. while the determination of maximum cash at Operational
Consolidated
Branches will be conducted by the Operational Division.
Saat ini bank sedang mengembangkan sistem informasi Currently the bank is developing a liquidity risk measurement
pengukuran risiko likuiditas seperti maturity profile yang information systems such as an integrated maturity profile.
terintegrasi. Satuan Kerja Manajemen Risiko bersama The Risk Management Unit along with the Risk Taking Unit
Risk Taking Unit dalam tahapan integrasi sistem informasi in the integration stage of the maturity profile information
Corporate Data
maturity profile tersebut selalu diadakan rapat sebagai system conduct meetings in an attempt to know the
upaya mengetahui utilisasi progres yang telah dilakukan. utilization of progress that have been performed. The
Sistem pelaporan maturity profile valas telah terintegrasi dan maturity profile of foreign currency reporting system has
tervalidasi dengan memadai sehingga pelaporannya tidak been sufficiently integrated and validated that its reporting
memerlukan proses manual lagi. does not require any manual process.
Sebagai langkah koordinasi manajemen bank dalam As a coordinative measure by the bank’s management in
menghadapi kejadian krisis likuiditas dikemudian hari, bank facing liquidity crisis occurrences in the future, the bank
sedang menyusun Tim Manajemen Krisis Likuiditas (Liquidity is forming the Liquidity Crisis Management Team as an
Crisis Management Team) sebagai langkah antisipatif dalam anticipatory measure in response to the liquidity crisis by
menyikapi krisis likuiditas dengan menjalankan prosedur executing emergency procedures in accordance with the
241
rencana pendanaan darurat sesuai dengan kerangka kerja Contingency Funding Plan Scenario framework which has
Contingency Funding Plan Scenario yang telah ditetapkan been established based on the ALCO (Asset & Liability
berdasarkan hasil rapat ALCO (Asset & Liability Committee). Committee) meeting results.
Dalam proses pemantauan limit Risk Taking Unit, Satuan In the Risk Taking Unit limit monitoring process, the Risk
Kerja Manajemen Risiko selalu melakukan pemantauan limit Management Unit continuously monitors the daily limit and
secara harian dan dilaporkan kepada Direksi secara berkala. report it to the Board of Directors on a regular basis. Limit
Adapun apabila terjadi eskalasi pelampauan limit maka escalation breach occurrences will be immediately reported
akan segera dilaporkan kepada Direksi termasuk upaya to the Board of Directors including contingency plan efforts
contingency plan yang akan dilakukan oleh Risk Taking which will be conducted by the Risk Taking Unit. In relations
Unit. Terkait menuju implementasi Basel III yang terfokus to the implementation of Basel III, which focuses on liquidity
kepada permasalahan likuiditas, Satuan Kerja Manajemen issues, the Risk Management Unit is working with the
Risiko bekerja sama dengan Unit Bisnis dan Supporting Unit Business Unit and Supporting Unit in measuring the impacts
melakukan pengukuran dampak Basel III terhadap bank dan of Basel III on the bank and calculate the ratio of the LCR and
menghitung rasio LCR dan NSFR yang dibutuhkan oleh bank NSFR required by the bank in order to avoid the impact of
agar terhindari dari dampak risiko likuiditas dan kepatuhan liquidity risk and internal and external compliance.
internal maupun eksternal.

Dalam rangka pengembangan penerapan manajemen In order to develop a dynamic risk management, the Risk
risiko yang dinamis, Satuan Kerja Manajemen Risiko selalu Management Unit continuously evaluates the policies,
melakukan evaluasi atas kebijakan, prosedur dan limit risiko procedures and limits for liquidity risk on a regular basis. In an
likuiditas secara berkala. Sebagai upaya pengendalian risiko effort to control the market risk in the form of the adequacy
pasar berupa kecukupan kebijakan dan prosedur Satuan of policies and procedures of the Risk Management Unit,
Kerja Manajemen Risiko, kaji ulang atas kebijakan dan reviews on the policies and procedures are carried out by
prosedur dilakukan oleh unit independen baik di internal an independent unit in both internal and external parties.
ataupun pihak eksternal. Satuan Kerja Manajemen Risiko The Risk Management Unit also conducts bank bjb’s liquidity
pun melakukan stress testing likuiditas bank bjb dan stress testing and provide information on the liquid assets
memberikan informasi kondisi kecukupan aset likuid yang adequacy conditions that are deemed sufficient to cover a
dipandang memadai untuk mengcover penarikan dana oleh sudden and in large amount funds withdrawal by customers.
nasabah secara tiba-tiba dan dalam jumlah besar. Laporan The report is conveyed to the Board of Directors and the
tersebut diinformasikan kepada Direksi dan risk taking risk taking unit in order to obtain feed back and create risk
unit agar mendapatkan feed back dan menciptakan risk awareness.
awareness.
5. Pengungkapan Kuantitatif Risiko Likuiditas 5. Quantitative Liquidity Risk Disclosure
9.1.a Pengungkapan Profil Maturitas Rupiah - 9.1.a Disclosure of Rupiah Maturity Profile -
Bank secara Individual Bank Individually
Jatuh Tempo/Maturity *)
Pos - pos Sandi Saldo >1 minggu >2 minggu >1-3 >6 - 12
No. >3 - 6 bulan > 12 bulan
Post Code Balance 1 minggu - 2 minggu - 1 bulan bulan bulan
>3-6 > 12
1 week >2 weeks - >2 weeks- 1 > 1 -3 > 6 - 12
months months
2 weeks months months months
I. Neraca/Balance Sheet
A. Asset/Assets 64,032,927 8,632,983 391,668 1,585,743 2,192,444 3,113,997 5,606,439 42,509,653
1. Kas/Cash 2,548,018 2,548,018 - - - - - -
2. Penempatan pada Bank Indonesia 11,200,269 5,266,936 - 1,250,000 500,000 2,025,000 2,158,333 -
Placement to Bank Indonesia
a. Giro/Current Accounts 4,279,936 4,279,936 - - - - - -
b. SBI 5,933,333 - - 1,250,000 500,000 2,025,000 2,158,333 -
c. Lainnya/Other 987,000 987,000 - - - - - -

(Depo Facility,Term Deposit
& Reverse Repo)
242
>3-6 > 12
1 week >2 weeks - >2 weeks- 1 > 1 -3 > 6 - 12
months months
3. Penempatan pada bank lain/ 1,020,400 795,400 100,000 125,000 - - - -

Interbank placement
4. Surat Berharga/Securities **) 4,516,805 - 31,867 49,794 983,646 60,389 2,235,719 1,155,390
a. SUN 3,101,831 - 24,858 49,794 192,928 20,304 2,045,171 768,776
1) diperdagangkan/ 48,869 - - - 48,869 - - -

trading
Introduction
2) tersedia untuk dijual/ - - - - - - - -
available for sale
3) dimiliki hingga jatuh 3,052,962 - 24,858 49,794 144,059 20,304 2,045,171 768,776
tempo/
held to maturity
4) pinjaman yang - - - - - - - -
diberikan dan
piutang/
Performance
loans and receivables
b. Surat Berharga Korporasi/ 1,414,974 - 7,009 - 790,718 40,085 190,548 386,614

Corporate Securities
1) diperdagangkan/ 735,727 - - - 735,727 - - -

trading

available for sale
3) dimiliki hingga jatuh 679,247 - 7,009 - 54,991 40,085 190,548 386,614
Good Corporate
Governance
tempo/
held to maturity
4) pinjaman yang - - - - - - - -
diberikan dan
piutang/
c. Lainnya/Other - - - - - - - -
5. Kredit yang Diberikan/Loans 44,747,435 22,629 259,801 160,949 708,798 1,028,608 1,212,387 41,354,263
Corporate Social
Responsibility
a. Belum Jatuh Tempo/ 44,338,658 22,629 259,801 160,949 708,798 1,028,608 1,212,387 40,945,486
Non Past Due
b. Sudah Jatuh Tempo/ 408,777 - - - - - - 408,777

Past Due ***)
6. Tagihan Lainnya/Other - - - - - - - -
Receivable
a. Tagihan atas Surat - - - - - - - -
Berharga yang dibeli
Consolidated
dengan janji dijual
kembali (RR)/Claims on
Securities purchased under
agreements to resell (RR)
b. Lainnya/Other - - - - - - - -
7. Lain-lain/Others - - - - - - - -
B. Kewajiban/Liabilities 56,514,317 6,683,327 3,028,233 3,408,230 3,961,223 3,462,846 4,755,468 31,214,990

Corporate Data
1. Dana Pihak Ketiga/ Third Party 46,268,841 2,081,712 961,166 2,454,969 3,925,929 3,415,787 4,420,644 29,008,634
Funds
a. Giro/Current Accounts 16,166,694 1,056,261 114,237 114,237 870,840 2,056,261 2,112,521 9,842,337
b. Tabungan/Saving Accounts 11,739,641 160,392 160,392 389,523 1,420,612 1,130,917 2,261,835 6,215,970
c. Simpanan Berjangka/Time 18,362,506 865,059 686,537 1,951,209 1,634,477 228,609 46,288 12,950,327
Deposits
1) Deposito on call/ 324,962 210,575 77,881 36,506 - - - -

Deposits on call
2) Deposito berjangka/ 18,037,544 654,484 608,656 1,914,703 1,634,477 228,609 46,288 12,950,327
Time Deposits
3) Lainnya/Other - - - - - - - -
243
>3-6 > 12
1 week >2 weeks - >2 weeks- 1 > 1 -3 > 6 - 12
months months
2. Kewajiban kepada Bank - - - - - - - -

Indonesia/Liabilities on Bank
Indonesia
3. Kewajiban kepada bank lain/ 4,632,106 3,692,106 875,000 65,000 - - - -

Liabilities on Other Bank
4. Surat Berharga yang Diterbitkan/ 2,400,000 - - - - - 276,000 2,124,000

Securities Issued
a. Obligasi/Bonds 2,400,000 - - - - - 276,000 2,124,000
b. Subordinasi/Subordinated - - - - - - - -
****)
5. Pinjaman yang Diterima/ 235,297 3,529 3,529 4,706 35,294 47,059 58,824 82,356
Borrowings
a. Pinjaman Subordinasi/ - - - - - - - -
Subordinated Borrowings
****)
b. Lainnya/Other 235,297 3,529 3,529 4,706 35,294 47,059 58,824 82,356
6. Kewajiban Lainnya/Other 2,978,073 905,980 1,188,538 883,555 - - - -

Liabilities
a. Kewajiban atas Surat 2,978,073 905,980 1,188,538 883,555 - - - -

Berharga yang dijual
dengan janji dibeli
kembali (Repo)/Liability
for Securities sold under
repurchase agreements
(Repo)
C. Selisih Aset dengan 7,518,610 1,949,656 (2,636,565) (1,822,487) (1,768,779) (348,849) 850,971 11,294,663
Kewajiban dalam Neraca/
Difference Assets to Liabilities
in the Balance Sheet
II. Rekening Administratif/ Off-

Balance Sheet
A. Tagihan Rekening Administratif/ - - - - - - - -

Off-Balance Sheet Receivables
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/Spot - - - - - - - -
2) Derivatif/ derivative - - - - - - - -
2. Kontijensi/Contingencies *****) - - - - - - - -
B. Kewajiban Rekening - - - - - - - -
Administratif/Liabilities Balance
Sheet

244
>3-6 > 12
1 week >2 weeks - >2 weeks- 1 > 1 -3 > 6 - 12
months months
b. Irrevocable L/C yang masih - - - - - - - -

berjalan/Irrevocable L / C is
still running
c. Posisi pembelian spot - - - - - - - -

Introduction
1) Spot/Spot - - - - - - - -
2) Derivatif/Derivative - - - - - - - -
d. Lainnya/Other - - - - - - - -
2. Kontijensi/ - - - - - - - -
Contingencies ******)
C. Selisih Tagihan dan Kewajiban - - - - - - - -
Performance
dalam Rekening Administratif/
Difference in Account
Receivables and Payables
Administrative
Selisih ((IA-IB) + (IIA-IIB))/ Net ((IA-IB) + 7,518,610 1,949,656 (2,636,565) (1,822,487) (1,768,779) (348,849) 850,971 11,294,663
(IIA-IIB))
Good Corporate
Governance
Selisih Kumulatif/Cumulative Differences - 1,949,656 (686,909) (2,509,396) (4,278,175) (4,627,024) (3,776,053) 7,518,610
9.1.b Pengungkapan Profil Maturitas Rupiah - 9.1.b Disclosure of Rupiah Maturity Profile -
Bank secara Konsolidasi dengan Perusahaan Anak Bank Consolidated with Subsidiary
Corporate Social
Responsibility
>3-6 > 12
1 week >2 weeks - >2 weeks- 1 > 1 -3 > 6 - 12
months months
A. Asset/Assets 39,331 30,219 534 - 714 709 3,718 3,437

1. Kas/Cash 1,259 1,259
2. Penempatan pada Bank Indonesia 3,400 3,400 - - - - - -
Consolidated
a. Giro/Current Accounts 3,400 3,400
b. SBI -
c. Lainnya/Other -
& Reverse Repo)
3. Penempatan pada bank lain/ 11,544 11,544

Interbank placement
Corporate Data
4. Surat Berharga/Securities **) 1,937 1,937

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/
245
>3-6 > 12
1 week >2 weeks - >2 weeks- 1 > 1 -3 > 6 - 12
months months
b. Surat Berharga Korporasi/ 1,937 1,937 - - - - - -

trading

available for sale
3) dimiliki hingga jatuh 1,937 1,937

tempo/
held to maturity
4) pinjaman yang -
diberikan dan
piutang/
c. Lainnya/Other -
5. Kredit yang Diberikan/Loans 19,928 12,079 - - 8 706 3,707 3,428
a. Belum Jatuh Tempo/ 19,928 12,079 - - 8 706 3,707 3,428
Non Past Due
b. Sudah Jatuh Tempo/ -

Past Due ***)
6. Tagihan Lainnya/Other 1,240 - 534 - 706 - - -

Receivable
a. Tagihan atas Surat -

dengan janji dijual
b. Lainnya/Other 1,240 - 534 - 706 - - -

7. Lain-lain/Others 23 - - - - 3 11 9
B. Kewajiban/Liabilities 52,393 33,214 331 10,690 8,020 3 135 -

1. Dana Pihak Ketiga/ Third Party 40,508 21,759 331 10,260 8,020 3 135 -
Funds
a. Giro/Current Accounts 15,927 15,927 - - - - - -

b. Tabungan/Saving Accounts 3,070 3,070 - - - - - -
c. Simpanan Berjangka/Time 21,511 2,762 331 10,260 8,020 3 135 -
Deposits
1) Deposito on call/ 21,511 2,762 331 10,260 8,020 3 135 -

Deposits on call
2) Deposito berjangka/ -
Time Deposits
3) Lainnya/Other - - - - - - -
2. Kewajiban kepada Bank - - - - - - -
Indonesia
3. Kewajiban kepada bank lain/ 10,000 10,000 - - - - -

4. Surat Berharga yang Diterbitkan/ - - - - - - -

Securities Issued
a. Obligasi/Bonds - - - - - - -
b. Subordinasi/Subordinated - - - - - - -
****)
c. Lainnya/Other - - - - - - -
5. Pinjaman yang Diterima/ - - - - - - -
Borrowings
a. Pinjaman Subordinasi/ - - - - - - -
****)
246
>3-6 > 12
1 week >2 weeks - >2 weeks- 1 > 1 -3 > 6 - 12
months months
b. Lainnya/Other - - - - - - -
6. Kewajiban Lainnya/Other 964 534 - 430 - - -
Liabilities
a. Kewajiban atas Surat - - - - - - -

dengan janji dibeli kembali
(Repo)/Liability for Securities
Introduction
sold under repurchase
agreements (Repo)
b. Lainnya/Other 964 534 - 430 - - -

7. Lain-lain/Others 921 921 - - - - - -
C. Selisih Aset dengan - - - - - -
Performance
II. Rekening Administratif/ Off-

Balance Sheet
A. Tagihan Rekening Administratif/

1. Komitmen/Commitments
Good Corporate
Governance
a. Fasilitas pinjaman yang
b. Posisi pembelian spot

1) Spot/Spot
Corporate Social
Responsibility
2) Derivatif/ derivative
c. Lainnya/Other
2. Kontijensi/Contingencies *****)
B. Kewajiban Rekening 35,862 1,072 202 103 2,485 15,458 13,571 2,971
Sheet
5,661 - - - 141 5,410 107 3 Consolidated

1. Komitmen/Commitments
a. Fasilitas pinjaman yang 6 - - - - - 3 3

b. Irrevocable L/C yang masih 5,655 - - - 141 5,410 104 -

still running
Corporate Data

1) Spot/Spot - - - - - - - -
d. Lainnya/Other 30,201 1,072 202 103 2,344 10,048 13,464 2,968
2. Kontijensi/
C. Selisih Tagihan dan Kewajiban (35,862) (1,072) (202) (103) (2,485) (15,458) (13,571) (2,971)
Administrative
247
>3-6 > 12
1 week >2 weeks - >2 weeks- 1 > 1 -3 > 6 - 12
months months
Selisih ((IA-IB) + (IIA-IIB))/ Net ((IA-IB) + (48,924) (4,067) 1 (10,793) (9,791) (14,752) (9,988) 466
(IIA-IIB))
Selisih Kumulatif/Cumulative Differences (4,067) (4,066) (14,859) (24,650) (39,402) (49,390) (48,924)
9.2.a Pengungkapan Profil Maturitas Rupiah - 9.2.a Disclosure of Rupiah Maturity Profile -
Post Code Balance 1 minggu s- 2 minggu - 1 bulan bulan bulan
>3-6 > 12
1 week >2 weeks - >2 weeks- 1 > 1 -3 > 6 - 12
months months
A. Asset/Assets 63,980,860 8,572,482 395,932 1,582,860 2,158,633 3,080,700 5,560,862 42,629,391
1. Kas/Cash 2,549,122 2,549,122 - - - - - -
b. SBI 5,796,494 - - 1,221,170 488,468 1,978,295 2,108,561 -
c. Lainnya/Other 986,842 986,842 - - - - - -

& Reverse Repo)
3. Penempatan pada bank lain/ 1,028,400 730,101 100,843 141,302 42,381 13,408 365 -
Interbank placement
a. SUN 3,103,706 - 24,858 49,794 194,892 20,304 2,045,171 768,687
1) diperdagangkan/ 50,833 - - - 50,833 - - -

trading

available for sale
tempo/
held to maturity
4) pinjaman yang - - - - - - - -
diberikan dan
piutang/
b. Surat Berharga Korporasi/ 1,347,819 - 7,009 1,679 719,884 40,085 192,378 386,784
1) diperdagangkan/ 647,419 - - - 647,419 - - -

trading

available for sale
3) dimiliki hingga jatuh 700,400 - 7,009 1,679 72,465 40,085 192,378 386,784
tempo/
held to maturity
4) pinjaman yang - - - - - - - -
diberikan dan
piutang/
Non Past Due

Past Due ***)
248
>3-6 > 12
1 week >2 weeks - >2 weeks- 1 > 1 -3 > 6 - 12
months months
6. Tagihan Lainnya/Other 18,149 552 3,421 7,966 4,210 - 2,000 -

Receivable

dengan janji dijual
Introduction
b. Lainnya/Other 18,149 552 3,421 7,966 4,210 - 2,000 -
57,355,119 822,373
46,268,841 2,081,712 961,166 2,454,969 3,925,929 3,415,787 4,420,644 29,008,634

1. Dana Pihak Ketiga/ Third Party
Funds
Performance
Deposits
1) Deposito on call/ 324,962 210,575 77,881 36,506 - - - -

Deposits on call
Good Corporate
Governance
Time Deposits
3) Lainnya/Other - - - - - - - -

Indonesia

Corporate Social
Responsibility
Securities Issued
a. Obligasi/Bonds 2,396,611 - - - - - 276,000 2,120,611
****)
Borrowings
Consolidated
****)
b. Lainnya/Other 235,297 3,529 3,529 4,706 35,294 47,059 58,824 82,356
6. Kewajiban Lainnya/Other 2,999,891 923,570 1,178,464 891,647 4,210 - 2,000 -

Liabilities
a. Kewajiban atas Surat 2,999,891 923,570 1,178,464 891,647 4,210 - 2,000 -

Corporate Data
dengan janji dibeli

(Repo)
249
>3-6 > 12
1 week >2 weeks - >2 weeks- 1 > 1 -3 > 6 - 12
months months
II. Rekening Administratif/

Off-Balance Sheet



1) Spot/Spot - - - - - - - -
B. Kewajiban Rekening 3,634,765 303,051 75,653 73,892 208,334 384,823 446,770 2,142,242
Sheet
1. Komitmen/Commitments 2,753,444 4,979 34,828 22,727 77,698 181,385 341,796 2,090,031
a. Fasilitas pinjaman yang 2,666,447 4,979 34,828 13,269 77,698 181,385 264,257 2,090,031
b. Irrevocable L/C yang masih 86,997 - - 9,458 - - 77,539 -

still running

1) Spot/Spot - - - - - - - -
2. Kontijensi/ 881,321 298,072 40,825 51,165 130,636 203,438 104,974 52,211

- - - - - - -
C. Selisih Tagihan dan Kewajiban (3,634,765) (303,051) (75,653) (73,892) (208,334) (384,823) (446,770) (2,142,242)
Administrative
(IIA-IIB))
Selisih Kumulatif/Cumulative Differences 1,568,514 (1,129,366) (3,036,720) (5,051,854) (5,818,823) (5,462,199) 3,813,349
250
9.2.b Pengungkapan Profil Maturitas Rupiah - 9.2.b Disclosure of Rupiah Maturity Profile -
>3-6 > 12
1 week >2 weeks - >2 weeks- 1 > 1 -3 > 6 - 12
months months
A. Asset/Assets 478.355 344.184 6.494 - 8.686 28.451 48.819 41.722
1. Kas/Cash 15.319 15.319 - - - - - -
Introduction
2. Penempatan pada Bank Indonesia 41.378 41.378 - - - - - -
a. Giro/Current Accounts 41.378 41.378 - - - - - -
b. SBI -
& Reverse Repo)
140.489 140.489 - - - - - -
Performance
3. Penempatan pada bank lain/
Interbank placement
4. Surat Berharga/Securities **) 23.568 - - - - 19.857 3.710 -
a. SUN - - - - - - - -
trading

available for sale
Good Corporate
Governance
3) dimiliki hingga jatuh -
tempo/
held to maturity
4) pinjaman yang -
diberikan dan
piutang/
b. Surat Berharga Korporasi/ 23.568 - - - - 19.857 3.710 -
Corporate Social
Responsibility
1) diperdagangkan/ - - - - - - - -
trading

available for sale
3) dimiliki hingga jatuh 23.568 - - - - 19.857 3.710 -

tempo/
held to maturity
Consolidated
4) pinjaman yang - - - - - - - -
diberikan dan
piutang/
5. Kredit yang Diberikan/Loans 242.515 146.998 - - 93 8.593 45.109 41.722
a. Belum Jatuh Tempo/ 242.515 146.998 - - 93 8.593 45.109 41.722

Non Past Due
Corporate Data
b. Sudah Jatuh Tempo/ - - - - - - - -

Past Due ***)
6. Tagihan Lainnya/Other 15.087 - 6.494 - 8.593 - - -

Receivable

dengan janji dijual
b. Lainnya/Other 15.087 - 6.494 - 8.593 - - -
637.612 11.213
251
>3-6 > 12
1 week >2 weeks - >2 weeks- 1 > 1 -3 > 6 - 12
months months
B. Kewajiban/Liabilities 626.399 386.509 10.522 124.860 102.839 32 1.638 -
1. Dana Pihak Ketiga/ Third Party 492.967 264.809 4.028 124.860 97.601 32 1.638 -
Funds
b. Tabungan/Saving Accounts 37.368 37.368 - - - - - -
c. Simpanan Berjangka/Time 261.773 33.615 4.028 124.860 97.601 32 1.638 -

Deposits
1) Deposito on call/ - - - - - - - -
Deposits on call
2) Deposito berjangka/ 261.773 33.615 4.028 124.860 97.601 32 1.638 -

Time Deposits
3) Lainnya/Other - - - - - - - -

Indonesia
3. Kewajiban kepada bank lain/ 121.700 121.700 - - - - - -

4. Surat Berharga yang Diterbitkan/ - - - - - - - -

Securities Issued
a. Obligasi/Bonds - - - - - - - -
****)
5. Pinjaman yang Diterima/ - - - - - - - -

Borrowings
****)
6. Kewajiban Lainnya/Other 11.732 - 6.494 - 5.238 - - -

Liabilities
a. Kewajiban atas Surat 11.732 - 6.494 - 5.238 - - -

dengan janji dibeli
(Repo)
C. Selisih Aset dengan (148.043) 1.949.656 (2.636.565) (1.822.487) (1.768.779) (348.849) 850.971 11.294.663
- - - - - - -
II. Rekening Administratif/ Off-Balance - - - - - - -

Sheet



1) Spot/Spot - - - - - - - -
252
>3-6 > 12
1 week >2 weeks - >2 weeks- 1 > 1 -3 > 6 - 12
months months
- - - - - - -
B. Kewajiban Rekening 436.445 13.043 2.461 1.255 30.244 188.122 165.159 36.160
Introduction
Sheet
1. Komitmen/Commitments 68.889 - - - 1.714 65.834 1.298 43
a. Fasilitas pinjaman yang 75 - - - - 0 32 43

68.813 - - - 1.714 65.834 1.266 -
b. Irrevocable L/C yang masih

still running
Performance
1) Spot/Spot - - - - - - - -
Good Corporate
Governance
2. Kontijensi/ 367.557 13.043 2.461 1.255 28.530 122.288 163.861 36.118
- - - - - - -
C. Selisih Tagihan dan Kewajiban (436.445) (13.043) (2.461) (1.255) (30.244) (188.122) (165.159) (36.160)
Administrative
Corporate Social
Responsibility
Selisih ((IA-IB) + (IIA-IIB))/ Net ((IA-IB) + (584.489) (55.368) (6.489) (126.115) (124.396) (159.703) (117.979) 5.562
(IIA-IIB))
Selisih Kumulatif/Cumulative Differences (55.368) (61.857) (187.973) (312.369) (472.072) (590.051) (584.489)
9.2.c Pengungkapan Profil Valas Rupiah - 9.2.c Disclosure of Foregn Exchange Maturity Profile -
Consolidated
>3-6 > 12
1 week >2 weeks - >2 weeks- 1 > 1 -3 > 6 - 12
months months
Corporate Data
A. Asset/Assets 68,648,992 9,383,028 420,675 1,833,331 2,448,185 3,105,444 5,928,114 45,530,215
1. Kas/Cash 2,579,941 2,579,941 - - - - - -
b. SBI 5,851,494 - - 1,221,170 488,468 1,978,295 2,163,561 -
c. Lainnya/Other 986,842 986,842 - - - - - -

& Reverse Repo)
3. Penempatan pada bank lain/ 1,678,633 1,380,334 100,843 141,302 42,381 13,408 365 -
Interbank placement
253
>3-6 > 12
1 week >2 weeks - >2 weeks- 1 > 1 -3 > 6 - 12
months months
a. SUN 3,103,706 - 24,858 49,794 194,892 20,304 2,045,171 768,687
1) diperdagangkan/ 50,833 - - - 50,833 - - -

trading

available for sale
tempo/
held to maturity
4) pinjaman yang - - - - - - - -
diberikan dan
piutang/
b. Surat Berharga Korporasi/ 1,357,673 - 7,009 1,679 719,884 40,085 192,378 396,638
1) diperdagangkan/ 647,419 - - - 647,419 - - -

trading

available for sale
3) dimiliki hingga jatuh 710,254 - 7,009 1,679 72,465 40,085 192,378 396,638
tempo/
held to maturity
4) pinjaman yang - - - - - - - -
diberikan dan
piutang/
Non Past Due

Past Due ***)
6. Tagihan Lainnya/Other 18,148 552 3,421 7,965 4,210 - 2,000 -

Receivable

dengan janji dijual
b. Lainnya/Other 18,148 552 3,421 7,965 4,210 - 2,000 -
57,355,119 (18,772)
1. Dana Pihak Ketiga/ Third Party 46,727,731 2,485,106 961,166 2,462,678 3,929,965 3,420,191 4,459,991 29,008,634
Funds
Deposits
1) Deposito on call/ 324,962 210,575 77,881 36,506 - - - -

Deposits on call
Time Deposits
3) Lainnya/Other - - - - - - - -

Indonesia

254
>3-6 > 12
1 week >2 weeks - >2 weeks- 1 > 1 -3 > 6 - 12
months months

Securities Issued
a. Obligasi/Bonds 2,396,611 - - - - - 276,000 2,120,611
****)
Introduction
Borrowings
****)
b. Lainnya/Other 344,489 3,529 3,529 4,706 35,294 47,059 58,824 191,548
6. Kewajiban Lainnya/Other 2,999,891 923,570 1,178,464 891,647 4,210 - 2,000 -
Liabilities
Performance
a. Kewajiban atas Surat 2,999,891 923,570 1,178,464 891,647 4,210 - 2,000 -
dengan janji dibeli
(Repo)
Good Corporate
Governance
II. Rekening Administratif/ Off-Balance
Corporate Social
Responsibility
Sheet


Consolidated
1) Spot/Spot - - - - - - - -
Corporate Data
- - - - - - -
B. Kewajiban Rekening 4,400,491 367,713 75,653 73,892 208,334 384,823 446,770 2,843,306
Sheet
1. Komitmen/Commitments 3,454,508 4,979 34,828 22,727 77,698 181,385 341,796 2,791,095
a. Fasilitas pinjaman yang 3,367,511 4,979 34,828 13,269 77,698 181,385 264,257 2,791,095
b. Irrevocable L/C yang masih 86,997 - - 9,458 - - 77,539 -

still running

1) Spot/Spot - - - - - - - -
255
>3-6 > 12
1 week >2 weeks - >2 weeks- 1 > 1 -3 > 6 - 12
months months
2. Kontijensi/ 945,983 362,734 40,825 51,165 130,636 203,438 104,974 52,211

C. Selisih Tagihan dan Kewajiban (4,400,491) (367,713) (75,653) (73,892) (208,334) (384,823) (446,770) (2,843,306)
Administrative
(IIA-IIB))
Selisih Kumulatif/Cumulative Differences 1,637,941 (1,035,196) (2,699,788) (4,429,406) (5,176,035) (4,491,506) 6,874,610
9.2.d Pengungkapan Profil Maturitas Valas - 9.2.d Disclosure of Foregn Exchange Maturity Profile -
>3-6 > 12
1 week >2 weeks - >2 weeks- 1 > 1 -3 > 6 - 12
months months
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 41.378 41.378 - - - - - -

b. SBI - - - - - - - -
(Depo Facility,Term
Deposit & Reverse Repo)
3. Penempatan pada bank lain/ 140.489 140.489 - - - - - -

Interbank placement
4. Surat Berharga/Securities **) 23.567 - - - - 19.857 3.710 -
a. SUN - - - - - - - -
trading

available for sale
3) dimiliki hingga jatuh - - - - - - - -

tempo/
held to maturity
4) pinjaman yang - - - - - - - -
diberikan dan
piutang/
b. Surat Berharga Korporasi/ 23.567 - - - - 19.857 3.710 -

trading

available for sale
3) dimiliki hingga jatuh 23.567 - - - - 19.857 3.710 -

tempo/
held to maturity
256
>3-6 > 12
1 week >2 weeks - >2 weeks- 1 > 1 -3 > 6 - 12
months months
4) pinjaman yang - - - - - - - -
diberikan dan
piutang/
5. Kredit yang Diberikan/Loans 242.515 146.998 - - 93 8.593 45.109 41.722
Introduction
a. Belum Jatuh Tempo/ 242.515 146.998 - - 93 8.593 45.109 41.722
Non Past Due
b. Sudah Jatuh Tempo/ - - - - - - - -

Past Due ***)
6. Tagihan Lainnya/Other 15.087 - 6.494 - 8.593 - - -

Receivable
Performance
dengan janji dijual
b. Lainnya/Other 15.087 - 6.494 - 8.593 - - -
637.612 11.212
Good Corporate
B. Kewajiban/Liabilities
Governance
626.400 386.509 10.522 124.860 102.839 32 1.638 -
1. Dana Pihak Ketiga/ Third Party 492.968 264.809 4.028 124.860 97.601 32 1.638 -
Funds
b. Tabungan/Saving Accounts 37.368 37.368 - - - - - -
c. Simpanan Berjangka/Time 261.774 33.615 4.028 124.860 97.601 32 1.638 -
Deposits
1) Deposito on call/ - - - - - - - -
Corporate Social
Responsibility
Deposits on call
2) Deposito berjangka/ 261.774 33.615 4.028 124.860 97.601 32 1.638 -
Time Deposits
3) Lainnya/Other - - - - - - - -
Indonesia
3. Kewajiban kepada bank lain/ 121.700 121.700 - - - - - -
Consolidated
4. Surat Berharga yang Diterbitkan/ - - - - - - - -
Securities Issued
a. Obligasi/Bonds - - - - - - - -
****)
5. Pinjaman yang Diterima/ - - - - - - - -
Borrowings
Corporate Data
****)
6. Kewajiban Lainnya/Other 11.732 - 6.494 - 5.238 - - -
Liabilities
a. Kewajiban atas Surat 11.732 - 6.494 - 5.238 - - -
dengan janji dibeli
(Repo)
257
>3-6 > 12
1 week >2 weeks - >2 weeks- 1 > 1 -3 > 6 - 12
months months
C. Selisih Aset dengan (148.045) 1.949.656 (2.636.565) (1.822.487) (1.768.779) (348.849) 850.971 11.294.663
II. Rekening Administratif/ Off-Balance - - - - - - -

Sheet



1) Spot/Spot - - - - - - - -
B. Kewajiban Rekening 436.445 13.043 2.461 1.255 30.244 188.122 165.159 36.161
Sheet
1. Komitmen/Commitments 68.889 - - - 1.714 65.834 1.298 43
a. Fasilitas pinjaman yang 75 - - - - - 32 43

b. Irrevocable L/C yang masih 68.814 - - - 1.714 65.834 1.266 -

still running

1) Spot/Spot - - - - - - - -
2. Kontijensi/ 367.556 13.043 2.461 1.255 28.530 122.288 163.861 36.118

C. Selisih Tagihan dan Kewajiban (436.445) (13.043) (2.461) (1.255) (30.244) (188.122) (165.159) (36.161)
Administrative
- - - - - - -
Selisih ((IA-IB) + (IIA-IIB))/ Net ((IA-IB) + (584.490) (55.368) (6.489) (126.115) (124.397) (159.704) (117.978) 5.561
(IIA-IIB))
Selisih Kumulatif/Cumulative Differences (55.368) (61.857) (187.972) (312.369) (472.073) (590.051) (584.490)
258
D. Risiko Operasional D. Operational Risk
Risiko Operasional adalah risiko akibat ketidakcukupan dan/ Operational risk is risks due to insufficient and/ or failed internal
atau tidak berfungsinya proses internal, kesalahan manusia, processes, human error, system failure, and/ or the existence of
kegagalan sistem, dan/atau adanya kejadian-kejadian eksternal external events affecting the operations of the bank. Operational
yang mempengaruhi operasional bank. Risiko operasional risks are inherent to all bank activities, therefore operational risks
melekat kepada seluruh aktivitas bank, oleh karena itu risiko can not be eliminated but can be controlled through adequate
operasional tidak dapat dihilangkan namun dapat dikendalikan risk mitigations. The impact of operational risk losses can be in
melalui mitigasi risiko yang memadai. Dampak kerugian dari risiko the form of financial loss or non-financial loss.
operasional dapat berupa kerugian keuangan atau kerugian non
keuangan.
Introduction
Bank melakukan tata kelola mengenai pengelolaan risiko The bank conducts governance on the management of
operasional yang dilakukan melalui three line of defense yaitu operational risk, performed through the three line of defense,
risk taking unit sebagai lini pertahanan pertama, unit kerja namely the risk taking unit as the first line of defense, the
Operational Risk Management sebagai lini pertahanan kedua, Operational Risk Management unit as a second line of defense,
serta Internal Audit sebagai lini pertahanan ketiga. as well as the Internal Audit as a third line of defense.
Performance
Lini pertahanan pertama memiliki tanggung jawab untuk The first line of defense has the responsibility to ensure that all
memastikan bahwa seluruh proses operasional yang dilakukan operational processes are carried out in compliance with the
telah sesuai dengan kebijakan dan prosedur yang berlaku, applicable policies and procedures, conducting operational risk
melakukan identifikasi risiko operasional serta melakukan mitigasi identification as well as conducting mitigations on operational
atas peristiwa kejadian risiko operasional. Lini pertahanan kedua risk occurrence events. The second line of defense which serves
Good Corporate
Governance
yang berfungsi untuk mendukung dan memastikan unit kerja to support and ensure the work unit in the first line of defense
pada lini pertahanan pertama telah melakukan pengelolaan has conducted the management of risk effectively. The third
risiko secara efektif. Lini pertahanan ketiga memiliki peran line of defense has a role to ensure that the operational risk
untuk memastikan proses pengelolaan risiko operasional management process conducted by the first and second line of
yang dilakukan oleh lini pertahanan pertama dan kedua telah defense has been effective in mitigating risk events that have
berlangsung secara efektif dalam memitigasi kejadian risiko already occurred and that are potential in order to avoid the
Corporate Social
yang sudah terjadi maupun yang bersifat potensial agar tidak potential loss to the Bank.
Responsibility
menimbulkan potensi kerugian bagi Bank. a. Active Supervision by the Board of Commissioners and
a. Pengawasan Aktif Dewan Komisaris dan Direksi Directors
Dewan Komisaris dan Direksi melakukan pengawasan aktif The Board of Commissioners and the Board of Directors
atas manajemen risiko operasional, anatara lain melalui conduct active supervision on the management of
Komite Risiko baik yang berada pada level komisaris maupun operational risk, among others through the Risk Committees
direksi. Dalam pelaksanaan pengawasan aktif yang dilakukan at the level of both the commissioners and directors. In the
Consolidated
Dewan Komisaris, dilakukan melalui Komite Pemantau implementation of active supervision conducted by the Board
Risiko. Sementara pada tingkat Direksi dilakukan melalui of Commissioners, is conducted by the Risk Monitoring
Komite Manajemen Risiko yang antara lain membahas Committee. While at the level of Directors is conducted by
mengenai kebijakan manajemen risiko bank. Dalam rangka the Risk Management Committee which among other things
meminimalisir kejadian fraud, Direksi melakukan sosialisasi discussed the bank’s risk management policies. In order
kepada seluruh karyawan mengenai pencegahan terkait to minimize the incidence of fraud, the Board of Directors
Corporate Data
fraud sebagai langkah untuk meningkatkan awareness perform dissemination to all employees regarding the
karyawan mengenai kejadian fraud. preventions related to fraud as a way to increase employees’
awareness on the incidence of fraud.
Bank memiliki unit kerja independen yang melaksanakan The Bank has an independent unit carrying out the bankwide
pengelolaan manajemen risiko operasional secara bankwide management of operational risk management, namely the
yaitu Grup Risiko Operasional yang berada dibawah Group Operational Risk which is under the Risk Management
Divisi Manajemen Risiko. Unit ini memiliki peran dalam Division. This unit has a role in setting operational risk
menetapkan standard dan kebijakan pengelolaan risiko management standards and policies, and have relations and
operasional, dan berhubungan serta berkoordnasi dengan coordinations with all business units and supporting units
seluruh unit bisnis dan supporting unit untuk memastikan to ensure that mitigation measures conducted have been
langkah mitigasi yang dilakukan telah cukup dan memadai sufficient and adequate to prevent potential operational
untuk mencegah potensi risiko operasional. risks.
259
Bank melakukan pengelolaan risiko operasional pada The Bank manages operational risk in all activities, in which
seluruh aktivitas, dimana seluruh karyawan wajib berperan all employees are required to participate in managing
serta dalam mengelola risiko operasional pada unit kerja operational risk in their respective work unit as well as with
masing-masing serta memperhatikan kontrol yang efektif regards to effective control to anticipate risks that may be
untuk mengantisipasi kemungkinan terjadinya risiko yang detrimental to the bank.
dapat merugikan bank.
b. Kecukupan Kebijakan, Prosedur dan Penetapan Limit b. Adequacy of Policy, Procedure, and Establishment of Limit
Bank telah memiliki kebijakan serta pedoman manajemen The bank has an operational risk management policy and
risiko operasional yang secara berkala dilakukan guidelines that are updated and evaluated regularly on the
pembaharuan dan evaluasi atas kebijakan dan pedoman bank’s risk management policies and guidelines. In addition,
manajemen risiko bank tersebut. Selain itu bank juga telah the bank also has other policies related to the management
memiliki kebijakan lain terkait manajemen risiko operasional, of operational risk, including anti-fraud policy, the Business
diantaranya kebijakan anti fraud, kebijakan Business Continuity Management policy in which includes the
Continuity Management yang didalamnya meliputi Business Business Continuity Plan as the Bank’s business continuity
Continuity Plan sebagai prosedur kelangsungan usaha Bank, procedures, Emergency Response Plan as an emergency
Emergency Response Plan sebagai prosedur tanggap darurat response procedures in order to rescue data and assets as
bencana dalam rangka penyelamatan data dan aset serta well as the Disaster Recovery Plan as the system sustainability
Disaster Recovery Plan sebagai prosedur kelangsungan sistem procedures, and Information Technology supporting
dan infrastruktur pendukung Teknologi Informasi, Kebijakan infrastructures, the Information Technology management
pengelolaan Teknologi Informasi. Disamping itu terkait Policies. In addition, related to the new products and activities
dengan kebijakan pengembangan produk dan aktivitas baru development, prior analysis to assess the risks inherent to
terlebih dahulu dilakukan analisa untuk menilai risiko yang the activity/product is conducted.
melekat terhadap aktivitas/produk tersebut.
Bank memiliki prosedur operasional untuk proses aktivitas The Bank has an operational procedure for the activities
kegiatan operasional bank yang harus dilaksanakan oleh of bank operations to be performed by each unit of work
setiap unit kerja dengan memperhatikan sistem pengendalian by observing an adequate internal control system so as to
intern yang memadai sehingga dapat meminimalisir minimize the likelihood of operational risk at the bank. In
kemungkinan terjadinya risiko operasional pada bank. Selain addition the bank has a policy related to the operations of
itu bank memiliki kebijakan terkait limit kewenangan dalam the authority limit, separation of duties and responsibilities
kegiatan operasional, pemisahan tugas dan tanggung jawab at each level positions, as well as the approval for any
pada setiap level jabatan, serta adanya approval untuk setiap escalation.
eskalasi.
c. Kecukupan Proses Identifikasi, Pengukuran, Pemantauan, c. Adequacy of Identification Process, Measurement,

dan Pengendalian Risiko, serta Sistem Informasi Manajemen Monitoring, and Risk Control as well as Risk Management
Dalam mendukung penerapan majemen risiko operasional In support of the application for the management of
untuk proses identifikasi, pengukuran, pemantauan, dan operational risk identification, measurement, monitoring,
pengendalian Risiko, bank telah mengembangkan alat and controlling risks, the bank has developed a risk
bantu manajemen risiko yaitu : management instruments, namely:
- Risk Control Self Assessment (RCSA) merupakan - Risk Control Self Assessment (RCSA) which is a self-
penilaian sendiri untuk mengukur eksposur risiko dari assessment to measure the risk exposure of a set of risk
kumpulan risk register sebagai analisis potensi risiko dari registers as an analysis of the potential risks of bank
kegiatan operasional bank. Penilaian RCSA mencakup operations. RCSA assessment includes an assessment of
assessment untuk sistem pengendalian risiko yang telah the risk control system which has been implemented in
diimplementasikan bank the bank
- Key Risk Indicator merupakan tools yang digunakan - Key Risk Indicator is a tool that is used to measure the risk
untuk mengukur eksposur risiko melalui pengukuran exposure through measurement against risk indicators
terhadap indikator risiko yang ditetapkan sebagai key set as key risks as an early warning in detecting potential
risk sebagai early warning dalam mendeteksi potensi- risks.
potensi risiko.
260
- Loss Event Database merupakan pengumpulan data - Loss Event Database is a data collection of occurred risk
peristiwa risiko yang terjadi. Data ini bertujuan sebagai events. This data is intended as a fulfillment of internal
pemenuhan internal loss database sehingga bank loss database therefore the bank has the data of loss
memiliki data kerugian yang pernah terjadi pada bank which occurred to the bank, in addition the data can
selain itu data tersebut juga dapat digunakan untuk also be used for the measurement of capital adequacy
pengukuran kecukupan modal dengan metode yang with more advanced methods.
lebih advance.
Disamping itu bank telah menjadi anggota Konsorsium In addition, the bank has become a member of the External
Data Kerugian Eksternal (KDKE), dimana dalam konsorsium Data Loses Consortium (KDKE), in which the consortium
Introduction
tersebut menyediakan database risk event yang terjadi pada provides a database of risk events which occurred at
bank lain yang tergabung dalam konsorsium tersebut dengan other banks that are members of the consortium while
tetap menjaga kerahasian bank tersebut. Keikutsertaan maintaining the confidentiality of the bank. Participation in
dalam konsorsium tersebut merupakan salah satu cara untu the consortium is one way to conduct a risk identification as
melakukan identifikasi risiko serta meningkatkan awareness well as increasing awareness on risk event which occurred at
terhadap risk event yang terjadi pada bank lain. other banks.
Performance
Proses identifikasi, pengukuran, pemantauan dan The process of identification, measurement, monitoring and
pengendalian risiko operasional tersebut diperlukan operational risk control requires the support of necessary
dukungan infrastruktur dan sumber daya manusia yang infrastructures and adequate human resources in accordance
memadai sesuai dengan lingkup dan kompleksitas bisnis with the scope and complexity of the bank’s business.
bank.
Good Corporate
Governance
Untuk pengukuran risiko operasional yang terkait dengan For the measurement of operational risk associated with
alokasi modal dan ATMR risiko operasional, maka bank capital allocation and the RWA of operational risk, the bank
dilakukan perhitungan dengan metode Basic Indicator performed calculations with the Basic Indicator Approach
Approach sesuai dengan ketentuan dari regulator. method in accordance with the provisions of the regulator.
Corporate Social
7. Pengungkapan Kuantitatif risiko operasional 7. Quantitative Operational Risk Disclosure
Responsibility
1. Tabel 1 Pengungkapan Kuantitatif Risiko Operasional – 1. Table 1 Quantitative Operational Risk Disclosure –
Bank Secara Individual Bank as Individual
31 Desember 2013/December 31, 2013 31 Desember 2012/December 31, 2012
Pendekatan Pendapatan Bruto
Yang Pendapatan Bruto
Beban (Rata-rata 3 tahun Beban
No Digunakan (Rata-rata 3 tahun
Modal ATMR terakhir) Modal ATMR
Approach terakhir)
Capital RWA Average Gross Capital RWA
Consolidated
Used Average Gross Income
Charge Income in the past Charge
in the past 3 years
3 years
(1) (2) (3) (4) (5) (6) (7) (8)
1 Pendekatan 3,335,531 500,330 6,254,121 2,768,486 415,273 5,190,912
Indikator Dasar
Basic Indicator
Approach
Corporate Data
Total Eksposur
Total Exposure
261
2. Tabel 1 Pengungkapan Kuantitatif Risiko Operasional – 2. Table 1 Quantitative Operational Risk Disclosure –
Bank Secara Konsolidasi Dengan Perusahaan Anak Bank as a Consolidation with Subsidiaries
No Pendekatan 31 Desember 2013/December 31, 2013 31 Desember 2012/December 31, 2012

Yang
Digunakan Pendapatan Bruto
Pendapatan Bruto
Approach Beban (Rata-rata 3 tahun Beban
(Rata-rata 3 tahun
Used Modal ATMR terakhir) Modal ATMR
terakhir)
Capital RWA Average Gross Capital RWA
Average Gross Income
Charge Income in the past Charge
in the past 3 years
3 years
(1) (2) (3) (4) (5) (6) (7) (8)
1 Pendekatan 3,335,531 500,330 6,254,121 2,768,486 415,273 5,190,912
Indikator Dasar
Basic Indicator
Approach
Total Eksposur
Total Exposure

Dalam penyajian informasi mengenai risiko operasional In presenting the information on operational risks faced,
yang dihadapi, bank telah menyusun beberapa the bank has developed a number reports on operational
pelaporan-pelaporan mengenai eksposur risiko risk exposure among others, bankwide operational risk
operasional diantaranya yaitu profil risiko operasional profile that is prepared periodically, in addition, the bank
secara bankwide yang disusum secara berkala, selain also create reports on a regular basis on operational risk
itu bank juga membuat laporan secara rutin mengenai events based on data obtained from the risk management
kejadian risiko operasional berdasarkan data yang tools, there are also incidental risk reports that are made
diperoleh dari tools manajemen risiko, terdapat juga in accordance with the requirements based on occurring
laporan risiko secara insidental yang dibuat sesuai risk events.
dengan kebutuhan berdasdarkan risk event yang
terjadi.
d. Sistem Pengendalian Intern yang Menyeluruh d. Comprehensive Internal Control System

Sistem pengendalian internal dalam penerapan manajemen The internal control system in the implementation of risk
risiko mencakup : management include:
• Prosedur operasional yang sesuai dengan proses aktivitas • Operational procedures that are in accordance with
kegiatan operasional bank sehingga dapat meminimalisir the activities of bank operations so as to minimize the
kemungkinan terjadinya risiko operasional pada bank. likelihood of the bank’s operational risk.
• Kebijakan terkait limit kewenangan dalam kegiatan • Policies related to the limit authority in operational
operasional, pemisahan tugas dan tanggung jawab activities, separation of duties and responsibilities at
pada setiap level jabatan, serta adanya approval untuk each level positions, as well as the existence of approval
setiap eskalasi. for any escalation.
• Pemisahan fungsi yang jelas antara antara unit bisnis • A clear separation of functions between the business
dan unit pendukung dengan unit yang melaksanakan units and the supporting units with units that perform
fungsi pengendalian. the control functions.

E. Risiko Hukum E. Legal Risk
Risiko Hukum adalah risiko akibat tuntutan hukum dan/atau Legal risk is the risk due to lawsuits and/or weakness in the
kelemahan aspek yuridis. Kelemahan aspek yuridis antara lain juridical aspects. Weakness in the juridical aspects are among
disebabkan adanya tuntutan hukum, ketiadaan peraturan others due to lawsuit, the absence of supporting laws and
perundang-undangan yang mendukung, atau kelemahan regulations, or contract weaknesses such as non-compliance
perikatan seperti tidak dipenuhinya syarat sahnya kontrak dan with the terms of the contract’s validity and imperfect collateral
pengikatan agunan yang tidak sempurna. Risiko hukum antara contract. Legal risks can be derived from, among others, the
lain dapat bersumber dari pada operasional, perjanjian dengan operation, the agreement with the third party, legal uncertainties
pihak ketiga, ketidakpastian hukum dan kelalaian penerapan and the negligence in the application of the law, the obstacles
hukum, hambatan dalam proses litigasi untuk penyelesaian in the litigation process for the settlement of claims, as well as
klaim, serta masalah yurisdiksi antar negara. jurisdictional issues between countries.
262
Para pihak yang berkepentingan terkait dengan risiko hukum Directors
yaitu Dewan Komisaris, Direksi dan seluruh karyawan bank, Stakeholders associated with the legal risk are the Board of
dimana para pihak tersebut bertanggungjawab dalam Commissioners, Directors and all employees of the bank,
pengelolaan risiko hukum. Dewan Komisaris dan Direksi where the parties are responsible for the management of
memantau risiko hukum antara lain melalui pelaporan risiko legal risk. The Board of Commissioners and the Board of
hukum serta laporan lainnya yang berkaitan dengan legal. Directors monitors the legal risks, among others, through
Dalam pelaksanaan pengelolaan risiko hukum bank telah the legal risk reporting and other reports relating to legal.
memiliki unit kerja khusus yang menangani permasalahan In the implementation of legal risk management, the bank
di bidang hukum yang terdiri dari bagian litigasi dan non has a special unit that handles legal issues which consists of
Introduction
litigasi. Unit yang menjalankan fungsi pengelolaan tersebut litigation and non-litigation division. The units performing
risiko hukum tersebut adalah Divisi Hukum yang berada the legal risk management function is the Legal Division
dibawah Direktorat Operasional dan telah terpisah dari which is under the Directorate of Operations and has been
fungsi pengelolaan risiko kepatuhan. separated from the compliance risk management functions.
Performance
Bank telah memiliki kebijakan serta pedoman Manajemen The bank has a legal risk management policy and guidelines
risiko hukum yang secara berkala dilakukan pembaharuan that are updated and evaluated regularly on the bank’s
dan evaluasi atas kebijakan dan pedoman manajemen risiko risk management policies and guidelines. In addition, the
bank tersebut. Selain itu bank juga telah memiliki kebijakan bank also has other policies related to the management of
dan prosedur dalam pengelolaan di bidang hukum untuk legal risk to ensure that the bank’s activities have been in
memastikan bahwa aktivitas bank telah sesuai dengan accordance with the provisions of the regulations as well as
Good Corporate
Governance
ketentuan perundang-undangan serta peraturan lainnya other applicable legislations, therefore the bank will be able
yang berlaku, sehingga bank dapat terhindar dari risiko to avoid legal risks.
hukum.

Selain itu bank telah memiliki standardisasi dokumen hukum In addition, the bank has had a standardized legal documents
bagi produk dan layanan bank yang dilakukan review secara for products and services of the bank which are reviewed
Corporate Social
berkala sesuai dengan perkembangan bisnis bank. Bank on a regular basis in accordance with the bank’s business
Responsibility
juga melakukan kajian risiko hukum untuk setiap produk development. The bank also perform legal risk assessments
dan aktivitas baru sebagai langkah untuk memitigasi risiko for each new products and activities as a measure to mitigate
hukum. the legal risk.
Consolidated
Dalam kecukupan proses penerapan manajemen risiko, In the process of risk management adequacy, the bank
bank melakukan identifikasi, pengukuran, pemantauan dan conducts identification, measurement, monitoring and
pengendalian atas risiko hukum oleh Divisi Hukum. Divisi control of legal risk by the Legal Division. The Legal Division
Hukum tersebut bertindak sebagai “legal watch” yang acts as a “legal watch” that provides analysis/ legal advice to
menyediakan analisis/advis hukum kepada seluruh pegawai all employees at every level of the organization, also serves
Corporate Data
pada setiap jenjang organisasi, selain itu juga berfungsi dalam to provide a legal opinion on any collaboration agreement
memberikan opini legal dalam setiap perjanjian kerjasama to be performed by the bank. The bank in managing legal
yang akan dilakukan oleh bank. Bank dalam melakukan risk is assisted by legal counsel for the handling of legal cases
pengelolaan risiko hukum dibantu oleh konsultan hukum that occur, in which it is conducted to mitigate the impact of
untuk penanganan kasus hukum yang terjadi, dimana hal the broader legal risks.
tersebut dilakukan untuk memitigasi dampak risiko hukum
yang lebih luas.
Dalam melakukan pengendalian risiko hukum bank In conducting the legal risk control, the bank conducts
melakukan beberapa hal diantaranya yaitu : several things such as:
263
- Proses kajian hukum dan pemberian opini atas produk - Legal review process and providing opinion on the
serta layanan bank termasuk aktivitas dan produk baru bank’s products and services including new activities and
- Terdapat standardisasi dokumen hukum bagi produk products
dan layanan bank - Standardized legal documents for the bank’s products
- Kaji ulang terhadap dokumen-dokumen legal yang and services
berlaku yang disesuaikan dengan perkembangan bisnis - Review of the prevailing legal documents tailored to the
- Kebijakan dan prosedur hukum yang memadai business development
- Melakukan penanganan kasus hukum yang dibantu - Adequate legal policies and procedures
juga oleh konsultan hukum apabila diperlukan - Handling legal cases which is also assisted by legal
- Membantu unit-unit terkait dalam penanganan kasus counsel if necessary
hukum - Assist related units in handling legal cases
- Memberikan informasi dan pengetahuan hukum kepada - Provide legal information and knowledge to relevant
unit-unit terkait units
- Mendokumentasikan setiap kejadian risiko hukum dan - Document every legal risk occurrence and the amount
jumlah potensi kerugian akibat risiko hukum tersebut of potential loss due to the legal risks

Sistem pengendalian internal yang menyeluruh Comprehensive internal control system in the
dalam proses pelaksanaan manajemen risiko hukum implementation process of the legal risk management
dilaksanakan secara berkala oleh Divisi Hukum dan is conducted periodically by the Legal Division and in
berkoordinasi dengan Satuan Kerja Manajemen Risiko coordination with the Risk Management Unit and the
dan Satuan Kerja Audit Internal. Internal Audit Unit.
F. Risiko Kepatuhan F. Compliance Risk

Risiko Kepatuhan adalah risiko akibat bank tidak memenuhi dan/ Compliance risk is the risk due to the inability of the bank to
atau tidak melaksanakan peraturan perundang-undangan dan comply and/ or implement the legislations and regulations.
ketentuan yang berlaku. Pengelolaan risiko kepatuhan dilakukan Compliance risk management is conducted through the
melalui penerapan sistem pengendalian intern yang konsisten. application of a consistent internal control system.
Para pihak yang berkepentingan terkait dengan Directors
risiko Kepatuhan yaitu Dewan Komisaris, Direksi dan Stakeholders associated with the Compliance risk are the
seluruh karyawan bank, dimana para pihak tersebut Board of Commissioners, Directors and all employees of the
bertanggungjawab dalam pengelolaan risiko kepatuhan. bank, where the parties are responsible for the management
Penerapan prinsip dan budaya kepatuhan dimulai dari of compliance risk. Application of the compliance principles
komitmen Dewan komisaris dan Direksi untuk memenuhi and culture starts from the commitment of the Board of
seluruh ketentuan yang berlaku. Kepatuhan terhadap Commissioners and the Board of Directors to comply with
ketentuan dan peraturan yang berlaku merupakan tanggung all applicable regulations. Compliance to the applicable
jawab dari seluruh jajaran organisasi termasuk Dewan rules and regulations is the responsibility of all levels of
Komisaris, Direksi dan seluruh karyawan. the organization including the Board of Commissioners,
Directors and all employees.
Struktur organisasi dalam melakukan pengelolaan risiko The organizational structure in managing compliance risk,
kepatuhan, bank telah membentuk unit kerja kepatuhan the bank has established a compliance unit, namely the
yaitu Divisi Kepatuhan yang bertanggung jawab untuk Compliance Division which is responsible to ensure all units
memastikan bahwa seluruh unit yang ada di bank telah in the bank has complied with these regulations. While
mematuhi pada peraturan-peraturan tersebut. Sementara the party Responsible for the compliance of a unit to any
Penanggung jawab atas kepatuhan suatu unit terhadap applicable regulations are in each risk taking unit.
setiap peraturan yang berlaku berada pada setiap risk taking
unit.
Bank telah memiliki kebijakan serta pedoman Manajemen The bank has a compliance risk management policy and
264
risiko kepatuhan yang secara berkala dilakukan pembaharuan guidelines that are updated and evaluated regularly on
dan evaluasi atas kebijakan dan pedoman manajemen risiko the policies and guidelines of the bank’s risk management.
bank tersebut. Selain itu bank juga telah memiliki kebijakan In addition, the bank also has a policy regarding the Anti
mengenai Kebijakan Program Anti Pencucian Uang Money Laundering (AML) and Countering the Financing
(APU) dan Pencegahan Pendanaan Terorisme (PPT) yang of Terrorism (CFT) Policy, in which discussed among others
diantaranya membahas mengenai transaksi-transaksi yang suspicious transactions as well as updating the customer
mencurigakan serta pengkinian data nasabah, Kebijakan data, Policy on Gratuity Control in cooperation with the
mengenai Pengendalian Gratifikasi yang bekerjasama Corruption Eradication Commission (KPK) and the presence
dengan Komisi Pemberantasan Korupsi (KPK) dan terdapat of the Compliance Procedure for the work unit.
Prosedur Kepatuhan untuk unit kerja.
Introduction

Bank telah memiliki kebijakan mengenai pelaporan The bank has a policy in reporting compliance through
kepatuhan melalui compliance sheet kepada unit kerja the compliance sheet to related units. In relations to new
terkait. Selain itu terkait dengan produk dan aktivitas baru products and activities, analysis to assess compliance with
terlebih dahulu dilakukan analisa untuk menilai kepatuhan the applicable provisions is conducted prior to the issuance
terhadap ketentuan yang berlaku dalam penerbitan produk/ of the product/activity.
Performance
aktivitas tersebut.

Dalam kecukupan penerapan proses manajemen risiko, In the process of risk management adequacy, the bank
Good Corporate
Governance
bank melakukan identifikasi, pengukuran, pemantauan dan conducts identification, measurement, monitoring and
pengendalian atas risiko kepatuhan melalui risk taking unit. control of compliance risk through the risk taking unit. In
Dalam melakukan identifikasi serta pengukuran atas risiko the identification and measurement of the compliance
kepatuhan dilakukan oleh unit kerja kepatuhan dengan risk carried out by the compliance unit to monitor the
melakukan pemantauan atas penerapan kepatuhan di implementation of compliance in all work units.
semua unit kerja.
Corporate Social
Responsibility
Dalam melakukan pengendalian risiko kepatuhan bank In controlling compliance risk, the bank conducts several
melakukan beberapa hal diantaranya yaitu : things such as:
- Melakukan kajian terhadap kebijakan dan prosedur - Reviewing of the bank’s internal policies and procedures,
internal bank, serta pengajuan produk dan aktivitas as well as the submission of new products and activities
baru - Socializing the applicable rules and regulations to
- Melakukan sosialisasi peraturan dan perundang- employees to support the creation of a culture of
Consolidated
undangan yang berlaku kepada karyawan untuk compliance.
mendukung terciptanya budaya kepatuhan. - Monitoring the implementation of the bank’s prudent
- Melakukan pemantauan atas pelaksanaan prinsip principles.
kehati-hatian bank. - Monitoring the Compliance Risk.
- Melakukan pemantauan atas Risiko Kepatuhan. - Implementation of the Anti-Money Laundering and
- Implementasi Program Anti Pencucian Uang dan Countering the Financing of Terrorism (AML-CFT)
Corporate Data
Pencegahan Pendanaan Terorisme (APU-PPT) - The existence of gratuity control policies managed
- Terdapat kebijakan pengendalian gratifikasi yang by the Gratuity Control Unit in cooperation with the
dikelola Unit Pengendalian Gratifikasi yang bekerjasama Corruption Eradication Commission (KPK) including
dengan Komisi Pemberantasan Korupsi (KPK) termasuk dissemination to employees to increase employees’
sosialisasi kepada karyawan untuk meningkatkan awareness regarding gratuity control.
awareness karyawan terkait pengendalian gratifikasi. - Socializing the latest external regulations to the work
- Melakukan sosialisasi atas peraturan eksternal terbaru units.
kepada unit kerja.
Dalam penyajian informasi mengenai risiko kepatuhan In presenting information on compliance risks faced,
yang dihadapi, bank telah menyusun beberapa the bank has developed a number of reportings on
265
pelaporan-pelaporan mengenai eksposur risiko compliance risk exposure among others bankwide
kepatuhan diantaranya yaitu profil risiko kepatuhan compliance risk profile that is created periodically, in
secara bankwide yang disusum secara berkala, selain addition, the bank also prepare regular reports on
itu bank juga membuat laporan secara rutin mengenai compliance risk events based on data obtained from
kejadian risiko kepatuhan berdasarkan data yang the risk management’s tools, there are also reports of
diperoleh dari tools manajemen risiko, terdapat juga adherence implementation to the management
laporan penerapan kepatuhan kepada manajemen

Sistem pengendalian internal yang menyeluruh dalam proses A comprehensive internal control system in the process
pelaksanaan manajemen risiko hukum dilaksanakan secara of legal risk management implementation is carried out
berkala oleh Divisi Kepatuhan dan berkoordinasi dengan periodically by the Compliance Division in coordination with
Satua Kerja Manajemen Risiko dan Satuan Kerja Audit the Risk Management Unit and the Internal Audit Unit.
Internal.
G. Risiko Stratejik G. Strategic Risk

Risiko Stratejik adalah risiko akibat ketidaktepatan dalam Strategic risk is the risk due to inaccuracies in the making and/
pengambilan dan/atau pelaksanaan suatu keputusan stratejik or implementation of a strategic decision as well as failure to
serta kegagalan dalam mengantisipasi perubahan perubahan anticipate changes in the business environment. This risk arises
lingkungan bisnis. Risiko ini timbul antara lain karena bank partly because the bank’s strategy is not in line with the bank’s
menerapkan strategi yang kurang sejalan dengan visi dan misi vision and mission, strategic environmental analysis that is less
bank, melakukan analisis lingkungan stratejik yang kurang comprehensive, and/ or a strategic plan mismatch. In addition,
komprehensif dan/atau terdapat ketidaksesuaian rencana strategic risk also arises due to the failure to anticipate changes in
stratejik. Selain itu risiko stratejik juga timbul karena kegagalan the business environment, including failures to anticipate changes
dalam mengantisipasi perubahan lingkungan bisnis, mencakup in technology, changes in the macroeconomic conditions, the
kegagalan dalam mengantisipasi perubahan teknologi, competition dynamics in the market, and policy changes from
perubahan kondisi ekonomi makro, dinamika kompetisi di pasar, the regulator.
dan perubahan kebijakan dari regulator.
Dewan Komisaris dan Direksi melakukan penetapan Directors
serta pengarahan mengenai strategi bisnis bank sesuai The Board of Commissioners and the Board of Directors
dengan tugas dan kewenangannya. Dalam melakukan determine as well as direct the bank’s business strategy
strategi bisnis tersebut disesuaikan dengan tingkat risiko in accordance with the duties and authority. In its
yang dapat diterima oleh bank. Selain itu, Bank juga implementation the business strategy is tailored to the level
melakukan penyesuaian strategi-strategi jangka pendek, of risk that is tolerable by the bank. In addition, the Bank
jangka menengah maupun jangka panjang sejalan dengan also performs adjustments to short term, medium term and
arah bisnis dan perkembangan kondisi internal serta long term strategies in line with the direction of the business
perkembangan kondisi eksternal. and the development of internal and external conditions.
Dalam menerapkan strategi bisnis tersebut dituangkan dalam In the implementation, the business strategies are outlined
rencana bisnis bank (RBB) yang penyusunannya ditetapkan in the bank’s business plan (RBB), in which the preparation
oleh Direksi dengan meminta persetujuan dari Dewan was determined by the Board of Directors and requesting
Komisaris. Direksi mengarahkan kepada masing-masing the approval of the Board of Commissioners. The Board of
unit kerja untuk mengimplementasikan rencana bisnis bank Directors directed each work unit to implement the bank’s
tersebut untuk mencapai tujuan yang telah ditetapkan. business plan to achieve its intended purpose.

Dalam melakukan pengelolaan strategi bank, Direksi In conducting the bank’s strategy management, the Board
dibantu oleh Divisi Perencanaan Strategis dalam memonitor of Directors is assisted by the Strategic Planning Division
implementasi strategi bank termasuk implementasi rencana in monitoring the implementation of the bank’s strategy,
bisnis bank. Selain itu dilakukan analisa implementasi including the implementation of the bank’s business plan.
rencana bisnis dan melaporkan hasil analisa kepada Direksi. Furthermore, the business plan implementation analysis and
the reporting of the analysis results to the Board of Directors
are also conducted.
266
Seluruh unit bisnis/unit pendukung bertanggung jawab dalam All business units / supporting units are responsible for
membantu Direksi dalam menyusun perencanaan stratejik assisting the Board of Directors to prepare the strategic
dan mengimplementasikan strategi yang telah ditetapkan planning and implementing the determined strategy
secara efektif. Unit-unit tersebut juga bertanggung jawab effectively. These units are also responsible for ensuring that
untuk memastikan bahwa pengelolaan risiko stratejik telah the strategic risk management is in accordance with the
sesuai dengan kebijakan yang telah ditetapkan. established policy.
Bank telah memiliki kebijakan serta pedoman manajemen The bank has had strategic risk management policies and
risiko stratejik yang secara berkala dilakukan pembaharuan guidelines that are updated and evaluated regularly on
Introduction
dan evaluasi atas kebijakan dan pedoman manajemen policies and guidelines of the bank’s risk management. The
risiko bank tersebut. Penyusunan rencana bisnis bank (RBB) preparation of the bank’s business plan (RBB) is a strategic
merupakan perencanaan strategis untuk mencapai tujuan planning to achieve the goals that have been set by the bank.
yang telah bank tetapkan. Sehingga dalam penyusunan Thus, the preparation of policies are tailored to the bank’s
kebijakan disesuaikan dengan rencana bisnis bank yang business plan to support the achievement of the strategic
dapat mendukung dalam pencapaian tujuan strategis bank. objectives of the bank.
Performance
Dalam kecukupan penerapan proses manajemen risiko, In the application adequacy of the risk management
bank melakukan identifikasi, pengukuran, pemantauan process, the bank conducts identification, measurement,
Good Corporate
Governance
dan pengendalian atas risiko stratejik. Bank melakukan monitoring and control on strategic risks. The bank conducts
identifikasi, pengukuran dan pemantauan risiko stratejik identification, measurement and monitoring of strategic risks
dengan melakukan pemantauan atas pencapaian kinerja bank by monitoring the bank’s performance achievement with the
dengan rencana bisnis bank yang telah ditetapkan, selain itu bank’s business plan which has been established, in addition,
bank memperhatikan perubahan kondisi lingkungan bisnis the bank considers changes in the business environment to
untuk dilakukan penyesuaian kepada strategi yang akan perform adjustments to the strategies which will be adopted
Corporate Social
diambil oleh bank, bank melakukan pengembangan bisnis by the bank, the bank conducts business developments by
Responsibility
dengan memperhatikan tingkat risiko yang dapat diterima taking into account the level of risks that can be accepted
oleh bank, serta melakukan pemantauan terhadap posisi by the bank, as well as monitoring the bank’s business
bisnis bank. position.
Adapun upaya pengendalian yang dilakukan untuk risiko Meanwhile, control efforts conducted for the strategic plan
stratejik adalah dengan melakukan analisa atas pencapaian are by conducting the bank’s performance achievement
Consolidated
kinerja bank, mengambil langkah-langkah stratejik yang analysis, taking strategic steps deemed necessary in response
dirasa perlu sebagai respon terhadap perubahan kondisi to the changing business conditions, conducting business
bisnis, melakukan business review atas pencapaian kinerja reviews on the achievement of the business performance on
bisnis secara berkala. a regular basis.
4. Sistem Pengendalian Intern Yang Menyeluruh 4. Comprehensive Internal Control System

Corporate Data
Dalam pengendalian internal untuk risiko stratejik bank In internal control for strategic risk, the bank involves all
melibatkan seluruh lini bisnis perusahaan serta kegiatan its business lines as well as control activities that are also
pengendalian yang dipantau pula oleh Satuan Kerja monitored by the Risk Management Unit and the Internal
Manajemen Risiko dan Satuan Kerja Audit Internal. Audit Unit.
H. Risiko Reputasi H. Reputation Risk

Risiko Reputasi adalah risiko akibat menurunnya tingkat Reputation risk is the risk due to the reduced levels of stakeholders’
kepercayaan stakeholder yang bersumber dari persepsi negatif confidence that originates from negative perceptions of the
terhadap bank. Hal ini antara lain disebabkan oleh adanya bank. This is partly due to the presence of negative media and/
pemberitaan media dan/atau rumor mengenai Bank yang bersifat or rumours about the Bank, as well as the bank’s communication
negatif, serta adanya komunikasi bank yang kurang efektif. that is not very effective.
267
Dewan Komisaris dan Direksi memantau mengenai efektivitas Directors
penerapan Manajemen Risiko Reputasi di Bank. Terkait The Board of Commissioners and the Board of Directors
wewenang dan tanggung jawab pengawasan aktif Dewan monitor the effectiveness of the Reputation Risk
Komisaris dan Direksi bank bjb, Dewan Komisaris dan Direksi Management in the Bank. In relations to the Active
selalu memperoleh informasi yang jelas mengenai evaluasi Supervision of authorities and responsibilities by the Board
dan penerapan manajemen risiko eksposur risiko reputasi. of Commissioners and Directors of bank bjb, the Board of
Commissioners and Directors always obtain clear information
on the evaluation and implementation of the risk exposure
of the reputation risk management.
Struktur organisasi untuk melakukan pengelolaan terhadap The organizational structure for managing the reputation
risiko reputasi, bank telah membentuk unit kerja tersendiri risk, the bank has established a separate unit to manage
yang mengelola risiko reputasi yaitu Divisi Corporate the reputation risk, namely the Corporate Secretary Division
Secretary dan Divisi Jaringan dan Layanan, unit kerja tersebut and the Network and Services Division, these units serve to
berfungsi untuk melakukan pengelolaan terhadap reputasi manage the bank’s reputation and determine the standards
bank dan mengatur mengenai standar layanan di Kantor of service in branch offices as a step to mitigate the reputation
Cabang sebagai langkah untuk memitigasi risiko reputasi. risk.
Bank telah memiliki kebijakan serta pedoman Manajemen The bank has had reputation risk management policies
risiko reputasi yang secara berkala dilakukan pembaharuan and guidelines that are updated and evaluated regularly on
dan evaluasi atas kebijakan dan pedoman manajemen policies and guidelines of the bank’s risk management. The
risiko bank tersebut. Bank juga telah memiliki kebijakan Bank also has a policy regarding service standards that must
mengenai standar pelayanan yang harus dilakukan oleh be performed by operational units, this is done to minimize
unit kerja operasional, hal tersebut dilakukan untuk the reputation risk due to the lack of adequate banking
meminimalisir terjadinya risiko reputasi akibat kurang services, there are also policies regarding the handling of
memadainya pelayanan bank, terdapat juga kebijakan customer complaints. Furthermore, the bank also have a call
mengenai penanganan keluhan nasabah. Selain itu bank center as a means to serve the people who need banking
telah memiliki call center sebagai sarana untuk melayani services as well as submitting problems associated with
masyarakat yang membutuhkan jasa perbankan serta the bank. In relations to relationships with bank investors,
penyampaian permasalahan terkait dengan bank. Terkait the bank already has the investor relationship unit to
hubungan dengan pihak investor bank telah memiliki unit communicate with the investors.
kerja investor relationship yang melakukan komunikasi
dengan pihak investor.
Bank juga melakukan manajemen risiko reputasi dengan The bank also undertake reputation risk management by
melakukan aktivitas public relations, corporate social conducting the activities of public relations, corporate social
responsibility dan respon yang cepat terhadap penanganan responsibility and rapid response to complaints to the bank.
keluhan yang masuk kepada pihak bank.

Dalam kecukupan penerapan proses manajemen risiko, In the application adequacy of the risk management
bank melakukan identifikasi, pengukuran, pemantauan process, the bank conducts identification, measurement,
dan pengendalian atas risiko reputasi. Bank melakukan monitoring and control on reputation risks. The bank
proses identifikasi dan pengukuran risiko reputasi dengan conducts identification, measurement and monitoring of
memantau jumlah keluhan nasabah kepada bank melalui the reputation risk by monitoring the number of customer
268
call center ataupun petugas bank serta memantau mengenai complaints to the bank through the call center or bank
tindakan penyelesaian atas keluhan tersebut, selain itu officers as well as monitoring the settlement process on the
dilakukan pematauan juga terhadap jumlah pemberitaan complaints, furthermore, monitoring is also conducted to
terhadap bank yang dimuat di media massa. the numbers of reporting on the bank that are published in
the mass media.
Dalam melakukan pengendalian atas risiko reputasi bank In conducting the control on the reputation risk, the bank
memiliki call center serta mengadakan coaching clinic bagi has a call center as well as organized coaching clinics for
karyawan dengan memberikan training atau pelatihan employees by providing trainings regarding service standards
mengenai standar layanan dengan tujuan bank dapat with the aim for the bank to be able to provide better
Introduction
memberikan pelayanan dengan lebih baik kepada nasabah services to both external and internal customers as one of
baik eksternal maupun internal sebagai salah satu langkah the mitigation measure for potential risk, in addition, the
mitigasi terhadap potensi risiko, selain itu bank menekankan bank emphasized to all employees that the bank’s reputation
kepada seluruh karyawan bahwa reputasi bank harus benar- should really safe guarded, the bank also provide clear
benar dijaga, bank juga memberikan informasi yang jelas information to customers regarding the products/ activities
kepada nasabah mengenai produk/aktivitas bank sebagai of the bank as a step in mitigating risk. Furthermore, in
Performance
langkah dalam memitigasi risiko. Disamping itu dalam improving the quality of services of the frontliners who
meningkatkan kualitas pelayanan frontliner yang merupakan are the vanguard of the bank in providing services to the
garda depan bank dalam memberikan pelayanan kepada customers, the bank has organized the bank bkb service
nasabah, bank telah mengadakan program bank bjb service excellent award (BBSEA) program.
excellent award (BBSEA).
Good Corporate
Governance
4. Sistem Pengendalian Intern Yang Menyeluruh 4. Comprehensive Internal Control System
Bank telah memiliki unit kerja khusus dalam proses The bank already has a special unit for the reputation risk
pelaksanaan manajemen risiko reputasi yang mencakup management implementation process that includes regular
pengawasan secara berkala atas pemberitaan negatif dan supervision on negative publications and complaints that
keluhan yang berdampak pada reputasi bank dan kegiatan have an impact on the bank’s reputation and control activity
pengendalian yang dipantau oleh satuan kerja manajemen that is monitored by the risk management unit.
Corporate Social
risiko.
Responsibility
Consolidated
Corporate Data
269
02
Tata Kelola
Perusahaan
Good Corporate Governance
270
Performance
271
Tata Kelola Perusahaan Good Corporate Governance
Tata Kelola
Perusahaan
Good Corporate Governance
272
Pelaksanaan Tata Kelola Perusahaan terus dikembangkan seiring Implementation of corporate governance continues to be developed
dengan pertumbuhan dan target yang ingin dicapai bank bjb, in line with the Company’s growth and targets to be achieved by
sehingga operasional Bank dilaksanakan sesuai praktik perbankan bank bjb, thus the Bank operations will be conducted in accordance
yang terbaik. with banking best practise.
Corporate Governance adalah suatu proses atau tata cara Corporate Governance is a process or procedure settings that
pengaturan yang diterapkan oleh manajemen perusahaan dalam implemented by the Company management in leading or managing
memimpin atau mengatur bisnis perusahaan dengan maksud untuk a business enterprise with the goal to achieve corporate objectives,
mencapai tujuan perusahaan, menyelaraskan perilaku perusahaan aligning corporate behaviour with the expectations of society,
dengan harapan masyarakat, termasuk tanggung jawab manajemen including management responsibility to the shareholders of both
Introduction
kepada pemegang saham baik mayoritas maupun minoritas. bank majority and minority. bank bjb as a commercial bank is on a mission
bjb sebagai bank umum yang mengemban misi sebagai penggerak as the force and the driver of regional economic growth, upholding
dan pendorong laju pertumbuhan perekonomian daerah, sangat the principles of Good Corporate Governance (GCG) and realize the
menjunjung tinggi prinsip Tata Kelola Perusahaan yang Baik dan importance of implementing these principles in every step of the
menyadari pentingnya penerapan prinsip-prinsip tersebut di setiap bank’s actions in the interest of the stakeholders such as customers,
langkah usaha Bank demi kepentingan para pemangku kepentingan investors, shareholders and the general public, including employees
Performance
seperti nasabah, investor, pemegang saham, dan masyarakat umum, and other parties.
termasuk pegawai serta pihak lainnya.
Penerapan GCG diawali dengan penerapan budaya perusahaan GCG Implementation begins with the application of corporate culture
yang didalamnya terdapat tata nilai atau nilai-nilai utama yang in which there are values or key values which becomes the corporate
menjadi corporate value bank bjb. Dalam mewujudkan komitmen value of bank bjb. In realizing the commitment to implement the
Good Corporate
Governance
untuk melaksanakan prinsip-prinsip GCG maka corporate value bank principles of GCG, corporate value are translated in the form of bank
bjb dijabarkan dalam bentuk etika usaha dan tata perilaku untuk bjb business ethics and code of conduct to be a reference of conduct
menjadi acuan perilaku bagi Dewan Komisaris, Direksi, dan seluruh for the Board of Commissioners, Directors, and all employees of
pegawai bank bjb dalam mengelola Bank guna mencapai visi, misi, bank bjb in managing the Bank to achieve the vision, mission, and
dan tujuan perusahaan. corporate objectives.
Corporate Social
Penerapan Tata Kelola Perusahaan Menjadi 10 Bank Corporate Governance Implementations to Become
Responsibility
Terbesar dan Berkinerja Baik Largest 10 Bank with Good Performance
Perubahan status Perseroan sebagai bank publik melalui penawaran Changes in the Company’s status as a public bank through an initial
umum perdana pada tahun 2010 menjadi inspirasi bagi bank bjb public offering in 2010 became the inspiration for bank bjb to
untuk terus-menerus meningkatkan kualitas demi mewujudkan diri constantly improve quality in order to bring itself to become the top
menjadi 10 Bank Terbesar dan Berkinerja Baik di Indonesia. Perbaikan 10 Banks with Good Performance in Indonesia. Improving methods
prosedur dan cara kerja dilakukan untuk menciptakan efisiensi dan and procedures to create efficiency and effectivity in completing each
Consolidated
efektivitas dalam menyelesaikan setiap pekerjaan. Implementasi Tata task. Implementation of a thorough and continuous good corporate
Kelola Perusahaan yang Baik (Good Corporate Governance) secara governance is considered to be a major factor achieving business
menyeluruh dan berkesinambungan dinilai menjadi faktor utama growth that can provide added value for stakeholders.
tercapainya pertumbuhan usaha yang dapat memberikan nilai
tambah bagi para pemangku kepentingan.
Corporate Data
Prinsip-Prinsip Utama Main Principles

Dalam menerapkan Good Corporate Governance (GCG), bank In implementing GCG, bank bjb is fully guided by 5 (five) key
bjb berpedoman sepenuhnya pada 5 (lima) prinsip utama yaitu principles namely transparency, accountability, responsibility,
keterbukaan, akuntabilitas, pertanggungjawaban, independensi, dan independence, and fairness. These principles are used as the basis in
kewajaran. Kelima prinsip ini juga dijadikan dasar dalam penetapan determining the Annual Public Policy of the Board of Directors (KUDT).
Kebijakan Umum Direksi Tahunan (KUDT). KUDT merupakan KUDT is preparing guidelines for The Business Plan which is prepared
pedoman penyusunan Rencana Bisnis Bank yang disusun setiap every year and are the foundation for all unit duties of bank bjb’s
tahun dan merupakan landasan pelaksanaan tugas seluruh unit organizations.
organisasi bank bjb.
273
Laporan Tata Kelola Perusahaan Good Corporate Governance Report
Pencantuman prinsip GCG dalam KUDT bertujuan untuk mewujudkan The inclusion of GCG as the main principle in the KUDT aims to
keseragaman, kesatuan bahasa, kesamaan pandangan, dan kesatuan achieve uniformity, unity of language, common vision, and unity of
gerak langkah operasional serta memastikan bahwa seluruh jajaran operational steps and to ensure that all levels of bank bjb will always
Bank selalu berpedoman pada GCG dalam menjalankan pekerjaannya be guided by GCG principles in running the day-to-day work.
sehari-hari.
Dalam rangka meningkatkan penerapan praktik GCG secara In order to improve the implementation of Good Corporate
menyeluruh di bank bjb seperti yang dipersyaratkan oleh Bank Governance practices at the bank bjb’s overall practice as required by
Indonesia, kami telah merancang dan menyempurnakan pedoman Bank Indonesia, Banks have designed and perfected bank bjb policy
kebijakan serta panduan implementasi GCG sesuai ketentuan Bank guidelines as well as guide the implementation of GCG in accordance
Indonesia yang diatur didalam Peraturan Bank Indonesia No. 8/4/ with Bank Indonesia as stipulated in Bank Indonesia’s Regulation No.
PBI/2006 tanggal 30 Januari 2006 sebagaimana telah diubah dengan 8/4/PBI/2006 dated January 30, 2006, and as amended by Bank
Peraturan Bank Indonesia No. 8/14/PBI/2006 tanggal 5 Oktober Indonesia Regulation No. 8/14/PBI/2006 dated October 5, 2006 and
2006 serta Surat Edaran Bank Indonesia No. 9/12/DPNP Tanggal 30 Circular Letter of Bank Indonesia 9/12/DPNP Date May 30, 2007
Mei 2007 tentang pelaksanaan Good Corporate Governance bagi concerning the implementation of Good Corporate Governance for
Bank Umum. Banks.
Struktur dan Prosedur Structure and Procedure

Pelaksanaan GCG di bank bjb berlandaskan pada komitmen bersama Implementation of Good Corporate Governance in bank bjb is
dari seluruh jajaran manajemen dan staf untuk tunduk dan patuh based on a shared commitment from all management and staff to
pada seluruh peraturan dan perundang-undangan yang berlaku. submit and adhere to all rules and regulations. This began from the
Hal ini dimulai dari puncak kepengurusan Bank yang dilakukan oleh top management of the bank bjb, conducted by an independent
Dewan Komisaris dan Direksi yang independen dan profesional. and professional Board of commissioners and Board of Directors.
Secara umum, kegiatan perbankan dilakukan oleh Komisaris dan In general, Banking activities are conducted by the Commissioner
Direksi. Komisaris mengkaji kebijakan-kebijakan dan melaksanakan and the Board of Directors. Commissioners reviewed the policies and
pengawasan serta memberikan saran terhadap pengelolaan Bank, carry out supervision and provide advice on the management of the
sedangkan Direksi memimpin pelaksanaan kebijakan dan pengelolaan Bank, while Directors lead the implementation of policies and day-
Bank sehari-hari. to-day management.
Struktur tata kelola perusahaan di bank bjb terdiri atas: bank bjb governance structure consists of:
a. Rapat Umum Pemegang Saham (RUPS) a. General Meetings of Shareholder (GMS)
b. Dewan Komisaris b. Board of Commissioners
c. Direksi c. Board of Directors
d. Komite-komite di bawah Dewan Komisaris d. Committees under the Board of Commissioners
e. Komite-komite di bawah Direksi e. Committees under the Board of Directors
f. Corporate Secretary f. Corporate Secretary
274
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 year, have
untuk meminta pertanggungjawaban Dewan Komisaris dan Direksi the authority to hold accountable the Board of Commissioners and
terkait dengan pengelolaan perusahaan, mengubah anggaran Directors related to the management of the company, the changes of
dasar, mengangkat dan memberhentikan Dewan Komisaris dan articles of associations, the appointing and dismissal of the Board of
Direksi, memutuskan pembagian tugas dan wewenang Direktur dan Commissioners and Directors, decisions on the division of duties and
lainnya. bank bjb menjamin untuk memberikan segala keterangan authorities of the Director, and others. bank bjb guarantees to provide
yang berkaitan dengan Bank kepada pemegang saham, sepanjang all information related to the Bank to shareholders, as long as they
tidak bertentangan dengan kepentingan perusahaan dan peraturan are not contrary to the interests of the company. General Meetings
Introduction
perundang-undangan. Keputusan dalam RUPS didasarkan pada of Shareholders can not intervene against the duties, functions, and
kepentingan Perseroan. RUPS tidak dapat melakukan intervensi authority of the Board of Commissioners and Directors, without
terhadap tugas, fungsi, dan wewenang Dewan Komisaris dan Direksi undermining the authority of the General Meetings of Shareholders
dengan tidak mengurangi wewenang RUPS untuk menjalankan to run its right in accordance with the statutes and regulations.
haknya sesuai dengan anggaran dasar dan peraturan.
RUPS merupakan organ tertinggi di bank bjb, yang memegang GMS is the highest part of bank bjb, which holds all authority not
Performance
seluruh otoritas yang tidak dilimpahkan kepada Dewan Komisaris delegated to the Board of Commissioners or Board of Directors.
ataupun Direksi. Pelaksanaan RUPS dilakukan melalui Rapat Umum Implementation of the GMS is done through the Annual General
Pemegang Saham Tahunan (RUPST) dan Rapat Umum Pemegang Meeting of Shareholders (AGMS) and Extraordinary General Meeting
Saham Luar Biasa (RUPSLB). of Shareholders (EGMS).
Di tahun 2013, bank bjb telah menyelenggarakan 1 (satu) kali RUPST In 2013, bank bjb organized 1 (one) AGMS as follows:
Good Corporate
Governance
sebagai berikut:
Rapat Umum Pemegang Saham Tahunan (RUPST) Annual General Meeting of Shareholders (AGMS)
Pemberitahuan rencana penyelenggaraan RUPST telah disampaikan Notification of the plan to conduct AGM was delivered through the
di harian Bisnis Indonesia dan Pikiran Rakyat edisi 14 Februari 2013, newspaper Bisnis Indonesia and Pikiran Rakyat, Edition February 14,
sementara Panggilan RUPST telah disampaikan di harian Bisnis 2013, meanwhile the invitation for AGM was delivered through
Corporate Social
Responsibility
Indonesia dan Pikiran Rakyat edisi 21 Februari 2013. Bisnis Indonesia and Pikiran Rakyat Edition February 21, 2013.
bank bjb menyelenggarakan RUPST pada 25 Maret 2013, di Bandung. bank bjb‘s AGMS was held on March 25, 2013 in Bandung.
Dihadiri oleh para pemegang saham atau kuasanya yang hadir atau Attended by the shareholders or their proxies who are present or
diwakili dalam rapat ini adalah sejumlah 8.106.874.375 lembar represented at this meeting are in a number of 8,106,874,375 shares
saham atau lebih kurang sebesar 83,61% dari seluruh saham yang or approximately 83.61% of all shares that have been issued by
telah dikeluarkan Bank. Dalam RUPST, sebagaimana diumumkan di Bank. In the AGMS, as already announced in the newspaper Bisnis
Consolidated
harian Bisnis Indonesia dan Pikiran Rakyat edisi 26 Maret 2013, telah Indonesia and Pikiran Rakyat on March 26, 2013, it was decided that
diputuskan hal-hal sebagai berikut: the following matters:
Agenda 1: Agenda 1:
1. Menyetujui Laporan Tahunan Perseroan dan menyetujui Laporan 1. To approve the Company’s Annual Report and approve the
Tugas Pengawasan yang telah dilaksanakan oleh Dewan Supervisory Report which has been implemented by the Board
Corporate Data
Komisaris untuk Tahun Buku 2012. of Commissioners for the Fiscal Year 2012.
2. Mengesahkan Laporan Keuangan Perseroan untuk Tahun Buku 2. To ratify the Company’s Financial Statements for the year ended
yang berakhir pada tanggal 31 Desember 2012 yang telah December 31, 2012 audited by Public Accountant Purwantoro,
diaudit oleh Kantor Akuntan Publik Purwantoro, Suherman Suherman & Surja, Member of Ernst & Young Global in accordance
& Surja, Anggota dari Ernst & Young Global sesuai dengan with report No.. RPC-330/PSS/2013 dated March 4, 2013, in the
laporannya No. RPC-3301/PSS/2013 tanggal 4 Maret 2013, reasonable opinion in all material respects in accordance with the
dengan pendapat wajar dalam semua hal yang material sesuai accounting principles generally accepted in Indonesia.
dengan Standar Akuntansi Keuangan di Indonesia.

3. Selanjutnya dengan disetujuinya Laporan Tahunan dan 3. Furthermore, with the approval of the Annual Report and
disahkannya Laporan Keuangan Perseroan Konsolidasian untuk Financial Statements of the Bank for the adoption of the Fiscal
tahun buku 2012 tersebut, maka RUPS memberikan pelunasan Year 2012, the settlement and the GMS providing full exemption
dan pembebasan sepenuhnya dari tanggung jawab (acquit from liability (acquit et de charge) to all Members of the Board of
et de charge) kepada seluruh anggota Direksi atas tindakan Directors for the actions of management and to all Members of
pengurusan dan kepada seluruh anggota Dewan Komisaris atas the Board of Commissioners on control measures been run for
tindakan pengawasan yang telah dijalankan selama tahun buku the Fiscal Year ended December 31, 2012 as far as actions are
yang berakhir pada tanggal 31 Desember 2012 sejauh tindakan reflected in the Company’s Financial Statements.
tersebut tercermin dalam Laporan Keuangan Perseroan.
Agenda 2: Agenda 2:
Menetapkan Laba Bersih Konsolidasi Perseroan untuk Tahun Buku Determine the Consolidated Net Income of the Company for the
2012 tercatat sebesar Rp. 1,193,302,737,932,-, (satu triliun seratus financial year 2012 to be Rp 1,193,302,737,932,- (one trillion one
sembilan puluh tiga miliar tiga ratus dua juta tujuh ratus tiga puluh hundred and ninety-three billion, three hundred two million, seven
tujuh ribu sembilan ratus tiga puluh dua rupiah) berdasarkan PSAK hundred thirty-seven thousand, nine hundred and thirty-two Rupiah)
4 maka laba yang dijadikan basis perhitungan laba adalah laba under the Statement of Financial Accounting Standards (SFAS) 4,
Perseroan tanpa anak perusahaan sebesar Rp. 1,185,435,844,583,- the profit used as the basis for calculating profit is the profit of the
dan ditetapkan yaitu sebagai berikut: Subsidiary Company with the amount of Rp 1,185,435,844,583,-
and defined as follows:
1. Sebesar Rp. 663.844.072.966 (enam ratus enam puluh tiga 1. As much as Rp 663,844,072,966 (six hundred and sixty-three
miliar delapan ratus empat puluh empat juta tujuh puluh dua billion, eight hundred and forty-four million, seventy-two
ribu Sembilan ratus enam puluh enam rupiah) atau 56% (lima thousand, nine hundred and sixty-six Rupiah) or 56% (fifty-six
puluh enam persen) dari laba bersih tahun buku 2012 ditetapkan percent) of the net profit of the financial year 2012 is designated
sebagai dividen tunai Tahun Buku 2012 dan dibagikan kepada as cash dividend for the financial year 2012 and is distributed
seluruh pemegang saham yang tercatat sesuai dengan ketentuan to all shareholders registered in accordance with the applicable
yang berlaku. Selanjutnya memberikan kuasa dan wewenang regulations. Furthermore, authority is given to the Board of
kepada Direksi untuk mengatur tatacara pembayaran dividen Directors to regulate the procedures for the payment of the cash
tunai tersebut. dividend.
2. Sisanya sebesar Rp 521,591,771,617,- (lima ratus dua puluh 2. The remaining Rp 521,591,771,617,- (five hundred and twenty-
satu miliar lima ratus Sembilan puluh satu juta tujuh ratus tujuh one billion, five hundred and ninety-one million, seven hundred
puluh satu ribu enam ratus tujuh belas rupiah) atau sebesar and seventy-one thousand, six hundred and seventeen Rupiah)
44% (empat puluh empat persen) ditetapkan sebagai Cadangan or 44% (forty-four percent) is defined as the General Reserve.
Umum.
276
Agenda 3: Agenda 3:
Memberikan kuasa kepada Dewan Komisaris untuk: Authorize the Board of Commissioners to:
1. Menunjuk Kantor Akuntan Publik untuk melakukan audit 1. Appoint Public Accountant to audit the Company’s Financial
Laporan Keuangan Perseroan Tahun Buku 2013. Statements for Fiscal Year 2013.
2. Menetapkan persyaratan lain serta besarnya jasa audit dengan 2. Establish other requirements and the amount of audit services
memperhatikan kewajaran serta ruang lingkup pekerjaan audit. with respect to the fairness and scope of audit work.
Agenda 4: Agenda 4:
Penyampaian Laporan Realisasi Penggunaan Dana Hasil Penawaran Submission of the Report on the Realization of the Use of Proceeds
Perdana Saham Perseroan Tahun 2012. Bahwa per tanggal 31 from the Initial Public Offering of the Company’s Shares in 2012. As
Introduction
Desember 2012, Penggunaan Dana Hasil Penawaran Perdana Saham of December 31, 2012, the Use of the Proceeds from the Initial Public
dimaksud adalah sebagai berikut: Offering of the Company’s Shares referred is defined as follows:
1. 80% dana hasil IPO yang dialokasikan untuk ekspansi kredit 1. 80% of the proceeds from IPO which is allocated for the
UMKM senilai Rp1.143.552.608.643,- (satu triliun seratus expansion of credit for Small and Medium Enterprises (SME) with
empat puluh tiga miliar lima ratus lima puluh dua juta enam the amount of Rp1,143,552,608,643,- (one trillion one hundred
Performance
ratus delapan ribu enam ratus empat puluh tiga rupiah) telah and forty-three billion, five hundred and fifty-two million, six
seluruhnya digunakan. hundred and eight thousand, six hundred and forty-three Rupiah)
has been completely used.
2. 10% dana hasil IPO yang dialokasikan untuk perluasan jaringan 2. 10% of the proceeds from IPO which is allocated for office
kantor senilai Rp142.944.076.080,- (seratus empat puluh dua network expansion with the amount of Rp 142,944,076,080,-
Good Corporate
Governance
miliar sembilan ratus empat puluh empat juta tujuh puluh (one hundred and forty-two billion, nine hundred and forty-
enam ribu delapan puluh rupiah) telah digunakan sebesar four million, seventy-six thousand, and eighty Rupiah) where as
Rp140.437.179.582,- (seratus empat puluh miliar empat ratus much as Rp140,437,179,582,- (one hundred and forty billion,
tiga puluh tujuh juta seratus tujuh puluh sembilan ribu lima ratus four hundred thirty-seven million, one hundred and seventy-nine
delapan dua rupiah). thousand, five hundred eighty-two Rupiah) has been used.
Corporate Social
3. 10% dana hasil IPO yang dialokasikan untuk pengembangan 3. 10% of the proceeds from IPO is allocated for the development of
Responsibility
teknologi informasi senilai Rp142.944.076.080,- (seratus empat information technology with the amount of Rp 142,944,076,080,-
puluh dua miliar sembilan ratus empat puluh empat juta tujuh (one hundred and forty-two billion, nine hundred and forty-four
puluh enam ribu delapan puluh rupiah) telah digunakan sebesar million, seventy-six thousand, and eighty Rupiah) where as much
Rp12.992.091.983,- (dua belas miliar sembilan ratus sembilan as Rp12,992,091,983,- (twelve billion, nine hundred and ninety-
puluh dua juta sembilan puluh satu ribu sembilan ratus delapan two million, ninety-one thousand, and nine hundred and eighty-
puluh tiga rupiah). three Rupiah) has been used.
Consolidated
Realisasi hasil RUPS Realization of AGMS results
Seluruh keputusan RUPS telah direalisasikan oleh bank bjb. All of AGMS decisions have been realized by bank bjb.
Corporate Data
Kriteria ARA No. VI.12.2, VI.12.3 277

Dewan Komisaris Board of Commissioners
Dewan Komisaris sebagai organ Bank secara garis besar bertugas Board of Commissioners as part of the Bank in broad outline serves
dan bertanggung jawab secara kolegial untuk mengawasi jalannya and responsible for collegial overseeing the Bank’s business. Provide
usaha Bank. Memberikan nasihat kepada Direksi dan memastikan advice to the Board of Directors and ensure that the Bank has
bahwa Bank telah menerapkan Good Corporate Governance dalam implemented Good Corporate Governance in its operations at all
operasinya pada seluruh jenjang organisasi. Dewan Komisaris levels of the organization. Board of Commissioners is responsible for
bertanggung jawab untuk memastikan bahwa manajemen telah ensuring that management has had and implement a control system
memiliki dan melaksanakan suatu sistem kontrol sehingga dapat so as to improve the effectiveness and efficiency of Bank operations,
meningkatkan efektivitas dan efisiensi operasional Bank, kontrol financial controls, compliance with laws and regulations.
keuangan, kepatuhan pada hukum dan peraturan.
Visi Vision
Menjadikan Dewan Komisaris sebagai organ Bank yang berkompeten, Making the Board of Commissioners as part of the Bank that is
profesional, independen serta sanggup mengawasi jalannya usaha competent, professional, independent and able to supervise the
Bank agar sesuai dengan visi Bank dengan dilandasi oleh nilai moral Bank’s efforts to comply with the Bank’s vision based on high moral
yang tinggi dan kepatuhan terhadap peraturan dan perundang- values and adherence to regulations and legislation in force.
undangan yang berlaku.
Misi Mission
Menjalankan fungsi pengawasan atas operasional Bank dengan Perform the function of supervision over the operations of the Bank
berlandaskan pada prinsip-prinsip GCG, peraturan dan perundang- based on the principles of GCG, regulation and legislation in force,
undangan yang berlaku, mencurahkan daya dan upaya serta to devote resources and efforts as well as putting the Bank’s interests
menempatkan kepentingan Bank diatas kepentingan lainnya. above other interests.
Komposisi Dewan Komisaris Board of Commissioners’ Composition

Berdasarkan Keputusan Rapat Umum Pemegang Saham Luar Biasa In accordance with the EGMS on September 27, 2012, the Board
(RUPSLB) pada 27 September 2012, susunan Dewan Komisaris bank of Commissioners of bank bjb for the period of 2011 to 2015
bjb periode 2011 s.d. 2015 terdiri dari 1 (satu) orang Komisaris consisting of 1 (one) President Commissioner, 1 (one) Commissioner
Utama, 1 (satu) orang Komisaris, dan 4 (empat) orang Komisaris and 4 (four) Independent Commissioner. The number of Independent
Independen. Jumlah Komisaris Independen telah melebihi 50% dari Commissioner has exceeded 50% of the total members of the Board
jumlah anggota Dewan Komisaris. of Commissioners.
Susunan Dewan Komisaris sampai dengan sekarang adalah sebagai Board of Commissioners of bank bjb up to September 27,
berikut: 2012 are as follows:
Nama/Name Jabatan Title
Agus Ruswendi Komisaris Utama* President Commissioner
Muhadi Komisaris Commissioner
Achmad Baraba Komisaris Independen Independent Commissioner
Klemi Subiyantoro Komisaris Independen Independent Commissioner
Yayat Sutaryat Komisaris Independen Independent Commissioner
Rudhyanto Mooduto Komisaris Independen Independent Commissioner
* Semenjak diterimanya surat keputusan Fit and Proper Test Bank Indonesia * Upon receiving the Decision Letter of Bank Indonesia no. 15/10/
nomor 15/10/APBU/Bd/Rahasia pada tanggal 6 Februari 2013, tidak lagi APBU/Bd/Rahasia pertaining to Fit and Proper Test on 6 February
efektif menjadi Komisaris Utama. 2013, no longer hold the office of President Commissioner.
Komisaris Independen Independent Commissioner

Sesuai dengan PBI nomor 8/4/PBI/2006 tanggal 30 Januari 2006 In accordance with Bank Indonesia regulation No. 8/4/PBI/2006 dated
sebagaimana telah diubah dengan Peraturan Bank Indonesia January 30, 2006, as amended by Bank Indonesia Regulation number
nomor 8/14/PBI/2006 tanggal 5 Oktober 2006 serta Surat Edaran 8/14/PBI/2006 dated October 5, 2006 and Circular Letter of Bank
Bank Indonesia No. 9/12/DPNP Tanggal 30 Mei 2007 tentang Indonesia. 9/12/DPNP On May 30, 2007 on the Implementation of
Pelaksanaan Good Corporate Governance bagi Bank Umum, yang Good Corporate Governance for Commercial Banks, an Independent
dimaksud dengan Komisaris Independen adalah anggota Dewan Commissioner is a member of the Board of Commissioners who
Komisaris yang tidak memiliki hubungan keuangan, kepengurusan, do not have the financial, management, and ownership or family
278 Kriteria ARA No. VI.1,2

kepemilikan saham dan atau hubungan keluarga dengan anggota relationship with other Board members, Directors and or controlling
Dewan Komisaris lainnya, Direksi dan atau pemegang saham shareholder or a relationship with a bank, which may affect its
pengendali atau hubungan dengan Bank, yang dapat mempengaruhi ability to act independently. In addition to the duties and functions
kemampuannya untuk bertindak independen. Selain tugas dan fungsi of supervision on the course of general operations of the Bank and
pengawasan terhadap jalannya operasional Bank secara umum dan ensure compliance with rules and regulations, the Independent
memastikan kepatuhan terhadap peraturan dan perundangan yang Commissioner also has a special responsibility to represent the
berlaku, Komisaris Independen juga mempunyai tanggung jawab interests of minority shareholders of the bank. The Independent
khusus yaitu mewakili kepentingan pemegang saham minoritas Commissioner bank bjb consists of 4 (four) or more than 50% of the
Bank.Adapun Komisaris Independen bank bjb berjumlah 4 (empat) number of Commissioners.
orang atau lebih dari 50% jumlah Komisaris.
Introduction
Hubungan antara Dewan Komisaris dan Direksi The Relationship between the Boards
Sesuai dengan Peraturan Bank Indonesia No. 8/4/PBI/2006 tanggal In accordance with Bank Indonesia Regulation No. 8/4/PBI/2006
30 Januari 2006 sebagaimana telah diubah dengan Peraturan Bank dated January 30, 2006, as amended by Bank Indonesia Regulation
Indonesia No. 8/14/PBI/2006 tanggal 5 Oktober 2006 serta Surat No. 8/14/PBI/2006 dated October 5, 2006 and Circular Letter of Bank
Edaran Bank Indonesia No. 9/12/DPNP tanggal 30 Mei 2007 tentang Indonesia. 9/12/DPNP dated May 30, 2007 on the implementation of
Performance
Pelaksanaan GCG bagi bank umum, bank bjb telah sejak lama GCG for commercial banks, bank bjb has long been implementing
menerapkan pemisahan tugas, fungsi dan tanggung jawab Direksi separation of duties, functions and responsibilities of Directors and
dan Komisaris. Selain itu, tidak terdapat hubungan keluarga baik Commissioners. In addition, there are no family relationships both
horisontal maupun vertikal, termasuk hubungan karena pernikahan, horizontally and vertically, including relations by marriage, to the
sampai derajat ketiga, antara sesama anggota Direksi, atau antar third degree, among fellow members of the Board of Directors,
anggota Direksi dengan anggota Dewan Komisaris, atau sesama or between members of the Board of Directors with members of
Good Corporate
Governance
anggota Dewan Komisaris. the Board of Commissioners, or a fellow member of the Board of
Commissioners.
Tugas dan Tanggung Jawab Dewan Komisaris Duties and Responsibilities of the Board of
Berdasarkan SK No. 06/DK/2007 Commissioners according to SK No. 06/DK/2007
1. Melakukan pengawasan, memberi nasihat serta mengarahkan, 1. Monitoring, advising and directing, overseeing, and evaluating
Corporate Social
memantau, dan mengevaluasi jalannya kepengurusan Bank oleh the course as well as stewardship of the Bank by the Board of
Responsibility
Direksi serta memberikan persetujuan atas Rencana Korporasi Directors approving the Corporate Plan and Business Plan, as
dan Rencana Bisnis, serta pelaksanaan ketentuan Anggaran well as the implementation of the Bank’s Articles of Association,
Dasar Bank, Keputusan RUPS, peraturan Bank Indonesia dan Decisions of GMS, Bank Indonesia regulation, and other
peraturan perundang-undangan yang berlaku. prevailing laws and regulations.
2. Membantu serta mendorong usaha pembinaan dan 2. Help and encourage business advancement and development of
pengembangan Bank dalam mencapai visi Bank. the Bank in achieving the vision of the Bank.
Consolidated
3. Dalam melakukan pengawasan, pembinaan, dan pengembangan 3. In conducting supervision, guidance, and the Bank development,
Bank, Dewan Komisaris dilarang terlibat dalam pengambilan the Board of Commissioners are prohibited from engaging in
keputusan kegiatan operasional Bank, kecuali hal-hal lain yang strategic operational bank decision-making, except for other
ditetapkan dalam Anggaran Dasar atau peraturan perundang- things that are specified in the statutes or the prevailing laws
undangan yang berlaku. and regulations.
4. Persetujuan yang diberikan Dewan Komisaris merupakan 4. Approval by the Board of Commissioners is part of the Board of
Corporate Data
bagian dari tugas pengawasan Dewan Komisaris sehingga tidak Commissioners’ task of supervision that does not eliminate the
menghilangkan tanggung jawab Direksi dalam pelaksanaan responsibilities of the Board of Directors in the Bank management.
kepengurusan Bank. Tugas pengawasan oleh Dewan Komisaris The task of supervision by the Board of Commissioners is an early
tersebut merupakan upaya pengawasan dini yang perlu surveillance efforts that need to be implemented.
dilaksanakan. 5. Perform tasks that are specifically granted to the Board of
5. Melakukan tugas yang secara khusus diberikan kepada Dewan Commissioners according to the Bank’s Articles of Association,
Komisaris menurut Anggaran Dasar Bank, Peraturan Perundang- the prevailing laws and regulations, Bank Indonesia regulations,
undangan yang berlaku, Peraturan Bank Indonesia, dan/atau and/or based on the GMS.
berdasarkan Rapat Umum Pemegang Saham (RUPS). 6. Responsible for the GMS.
6. Bertanggung jawab kepada RUPS. 7. Evaluating and signing yearly annual report prepared by the
7. Mengevaluasi laporan tahunan yang dipersiapkan oleh Direksi Board of Directors. Review of annual report is conducted prior to
serta menandatangani laporan tersebut. Penelaahan laporan the GMS.
tahunan dilakukan sebelum pelaksanaan RUPS.
279
8. Dewan Komisaris wajib memastikan bahwa Direksi telah 8. Ensuring that the Board of Directors has been following up
menindaklanjuti temuan audit dan rekomendasi dari Satuan Kerja the audit findings and recommendations submitted by the
Audit Internal (SKAI) Bank, auditor eksternal, hasil pengawasan Internal Audit unit, external auditors, monitoring results of Bank
Bank Indonesia dan/atau hasil pengawasan otoritas lainnya. Indonesia, and/or other authorities monitoring results.
9. Dewan Komisaris melakukan pemberitahuan kepada Bank 9. Give announcement to Bank Indonesia no later than 7 (seven)
Indonesia paling lambat 7 (tujuh) hari semenjak ditemukannya: days since the discovery of:
a. pelanggaran peraturan perundang-undangan di bidang a. violations of laws and regulations in finance and banking
keuangan dan perbankan; dan field; and
b. keadaan atau perkiraan keadaan yang dapat membahayakan b. proximities or circumstances that may endanger the
kelangsungan usaha Bank. Yang didasarkan pada temuan continuity of the Bank business activity.
maupun rekomendasi dari Komite-komite yang membantu Based on the findings and recommendations of the Committees
Dewan Komisaris dalam pengawasan operasional Bank. assisting the Board of Commissioners in monitoring operations.
Hal-hal yang wajib dilaporkan di atas yang belum atau tidak The above stated are required to be reported if it has not been
dilaporkan oleh Bank dan/atau Direktur Kepatuhan kepada or not reported by the Bank and/or by Director of Compliance to
Bank Indonesia. Bank Indonesia.
10. Wajib menerapkan dan memastikan serta memantau efektivitas 10. Obliged to implement and monitor the effectivity of management
praktik pengelolaan perusahaan yang baik (Good Corporate practices and good Corporate Governance in each of bank
Governance) dalam setiap kegiatan operasional Bank dan operations, and where necessary, make adjustments to its
bilamana perlu melakukan penyesuaian untuk pelaksanannya implementation at all levels/stages.
pada seluruh tingkatan/jenjang. 11. Reviewing and approving policies proposed by the Board of
11. Mengkaji dan menyetujui kebijakan-kebijakan yang diusulkan Directors.
oleh Direksi. 12. Assessing responsibility of Board of Directors for the
12. Mengkaji pertanggungjawaban Direksi atas pelaksanaan implementation of policies that have been approved.
kebijakan-kebijakan yang telah disetujui. 13. Reviewing and approving the Equity Policy and Temporary Equity
13. Mengkaji dan menyetujui Kebijakan Penyertaan Modal dan Policy.
Penyertaan Modal Sementara. 14. Reviewing the implementation of the Equity Policy and Temporary
14. Mengkaji pelaksanaan Kebijakan Penyertaan Modal dan Equity Policy.
Penyertaan Modal Sementara. 15. Monitoring, directing and evaluating the performance of the
15. Melakukan pemantauan, pengarahan serta evaluasi terhadap Board of Directors, especially regarding the implementation of
kinerja Direksi terutama pelaksanaan kebijakan strategis Bank. the Bank strategic policy.
16. Menyusun dan melakukan pemutakhiran Pedoman Kerja 16. Preparing and updating the Work Guidelines for Commissioner.
Komisaris. 17. Proposed appointment of Certified Public Accountants on the
17. Mengusulkan penunjukan Akuntan Publik atas rekomendasi recommendation of the Audit Committee to audit the financial
Komite Audit untuk melakukan audit atas laporan keuangan statements of the Bank to obtain approval from the GMS.
Bank untuk mendapatkan persetujuan RUPS. 18. Define and implement a system of nomination, evaluation,
18. Menentukan dan melaksanakan sistem nominasi, remuneration that is transparent to the Board of Directors after
evaluasi, remunerasi yang transparan bagi Direksi setelah considering the results of studies of the Remuneration and
mempertimbangkan hasil kajian Komite Remunerasi dan Nominasi Nomination Committee which are further proposed to obtain the
yang selanjutnya diajukan untuk memperoleh persetujuan RUPS. approval of the GMS. Ensure that the system of remuneration,
Memastikan bahwa sistem remunerasi, nominasi, evaluasi kinerja nomination, evaluation of performance of the Bank officials who
para Pejabat Bank yang tidak menjabat sebagai anggota Direksi does not serve as a member of the Board of Directors existed and
telah ada dan dilaksanakan secara transparan dan konsisten. had been done in a transparent and consistent manner.
19. 3 (tiga) bulan sebelum masa jabatan Dewan Komisaris berakhir, 19. 3 (three) months prior to the term end, Board of Commissioners
Dewan Komisaris dilarang menyetujui kebijakan Direksi yang is prohibited from approving policy by the Board of Directors
bersifat strategis. which are strategic in nature.
Tugas Dewan Komisaris Board of Commissioners’ Tasks

Berdasarkan Keputusan Dewan Komisaris No. 06/DK/2007: Pursuant to the Decree of the Board of Commissioners No. 06/
1. Komisaris Utama bertugas untuk mengkoordinasikan kegiatan DK/2007:
Dewan Komisaris 1. President Commissioner is in charge of coordinating the activities
2. Pembagian tugas diantara anggota Dewan Komisaris diatur of the Board of Commissioners.
diantara anggota Dewan Komisaris dan ditetapkan oleh 2. Tasks among the members of the Board of Commissioners are
Komisaris Utama set among the members of the Board of Commissioners and

3. Untuk membantu kelancaran tugasnya, anggota Dewan specified by the President Commissioner.
Komisaris dibantu oleh Sekretariat Komisaris yang berasal dari 3. To smoothness the tasks, members of the Board of Commissioners
pegawai bank bjb dan ditetapkan oleh Direksi berdasarkan are assisted by the Secretariat of Commissioners, taken from bank
persetujuan Dewan Komisaris. bjb employees which are appointed by the Board of Directors
with the Board of Commissioners’ approval.
Pelaksanaan Tugas Dewan Komisaris Board of Commissioners’ Task Implementation

Pelaksanaan tugas dan fungsi pengawasan usaha yang dilakukan Performance of duties and monitoring functions done by the Board
oleh Dewan Komisaris selama tahun 2013 dibantu oleh Komite of Commissioners during the year 2013 is assisted by the Audit
Audit, Komite Pemantau Risiko, serta Komite Remunerasi dan Committee, Risk Monitoring Committee, and Remuneration and
Introduction
Nominasi. Masing-masing Komite telah menjalankan fungsinya Nomination Committee. Each of these committees has its function in
dalam melakukan kajian dan memberikan input kepada Dewan reviewing and providing input to the Board of Commissioners, enabling
Komisaris, sehingga Dewan Komisaris dapat memberikan arahan the Board of Commissioners to provide appropriate guidance and
dan rekomendasi secara tepat kepada Direksi terkait pengelolaan recommendations to the Directors related to the proper management
usaha bank bjb secara baik dan sesuai dengan prinsip-prinsip Good of bank bjb and in accordance with the principles of Good Corporate
Corporate Governance. Governance.
Performance
Pada tahun 2013 Dewan Komisaris telah melakukan pengawasan In 2013, the Board of Commissioners has conducted the monitoring
terhadap: of:
- Pemantauan atas pelaksanaan Rencana Bisnis Bank (RBB) tahun - Monitor the implementation of 2013 Bank Business Plan (BBP)
2013 melalui rapat gabungan Dewan Komisaris dan Direksi. through a joint meeting of the Board of Commissioners and the
- Pemantauan Kinerja Keuangan bank bjb. Board of Directors.
Good Corporate
Governance
- Pemantauan Kinerja Non Keuangan bank bjb. - Monitor bank bjb Financial Performance.
- Pemantauan perkembangan Good Corporate Governance bank - Monitor bank bjb Non-bank Financial Performance.
bjb. - Monitor the development of Good Corporate Governance in
bank bjb.
Evaluasi Kinerja Dewan Komisaris Board of Commissioners Performance Evaluation
Corporate Social
Penilaian kinerja anggota Dewan Komisaris difasilitasi Performance assessment of the Board of Commissioners is facilitated
Responsibility
oleh Komite Nominasi dan Remunerasi dengan sistem self assessment by the Nomination and Remuneration Committee with the self
atau sistem lain yang ditetapkan oleh rapat Dewan Komisaris. assessment system or other systems determined by the Board of
Commissioners’ meeting.
Penilaian kinerja Dewan Komisaris dilakukan berdasarkan kriteria Board of Commissioners performance evaluation is conducted in the
sebagai berikut: following criteria:
a. Kehadiran dalam rapat Dewan Komisaris. a. Attendance in Board of Commissioners meetings.
Consolidated
b. Kehadiran dalam rapat Komite di tingkat Dewan Komisaris. b. Attendance in the Committee Meeting at the Board of
c. Kinerja anggota Dewan Komisaris dapat dinilai menurut faktor Commissioners level.
lainnya baik secara individual maupun kolektif, antara lain: c. Board member performance can be assessed by
i. Integritas, misalnya benturan kepentingan yang muncul. other factors both individually and collectively, among others:
ii. Hubungan anggota Dewan Komisaris dengan sesama i. Integrity, such as conflict of interest that arises.
anggota Dewan Komisaris, dengan Direksi dan pihak-pihak ii. Relationships with fellow members of the Board of
Corporate Data
lain yang diatur dalam Anggaran Dasar dan Peraturan Commissioners, the Board of Directors and other parties set
Perundang-undangan serta Peraturan Bank Indonesia yang forth in the Articles of Association and Rules and Regulations,
berlaku. and Bank Indonesia regulations.
Pengungkapan Mengenai Proses Pelaksanaan Serta Disclosure of Assessment Process and Criteria for
Kriteria Assessment di Tingkat Dewan Komisaris the Board of Commissioners
Pengungkapan-pengungkapan mengenai proses pelaksanaan Disclosures on the assessment process conducted by the Board of
assesment yang telah dilakukan Dewan Komisaris mengacu kepada Commissioners refers to the criteria set forth in Bank Indonesia
kriteria peraturan Bank Indonesia tentang GCG dan peraturan serta regulation on GCG and other relevant provisions.
ketentuan lainnya yang terkait.
Kriteria ARA No. VI.4.1,2,3 281

Pengungkapan mengenai Board Charter (Pedoman Disclosure of Board Charter (Guidelines and
dan Tata Tertib Kerja Dewan Komisaris) Regulations of the Board of Commissioners)
Sudah dituangkan dalam Keputusan Dewan Komisaris PT Bank Has been set forth in the Decree of the Board of Commissioners of
Jabar Nomor 06/DK/2007 tentang Pedoman Kerja Dewan Komisaris PT Bank Jabar No. 06/DK/2007 on Work Guidelines of the Board of
PT Bank Pembangunan Daerah Jawa Barat. Commissioners of PT Bank Pembangunan Daerah Jawa Barat.
Hubungan Afiliasi Dewan Komisaris Affiliate Relations Board of Commissioners

Seluruh anggota Dewan Komisaris tidak memiliki hubungan afiliasi All members of the Board of Commissioners has no affiliation with
dengan sesama anggota Dewan Komisaris, dengan anggota Direksi, the fellow members of the Board of Commissioners, the Board of
maupun dengan Pemegang Saham Utama dan/atau Pengendali. Directors, as well as the Major Shareholder and / or Controller.
Program Pelatihan Peningkatan Kompetensi Komisaris Tahun 2013

Competence Enhancement Training Program for Commissioners in 2013
Nama Program Pelatihan Tanggal Mulai Tanggal Selesai

Lokasi/Location
Name Training Program Start Date Finish Date
European Confederation of the Institute of
Vienna - Austria 28/09/13 06/10/13
Internal Audit-Eciia Conference 2013
Achmad Baraba Workshop Risk Management & Basel Iii Bali 12/06/2013 13/06/2013
Seminar Regional Public Sector Conference III Surabaya 11/12/13 13/12/2013

Pelatihan Internal Capital Adequacy Assessment
Jakarta 21/03/2013 21/03/2013
Process (Icaap)
Workshop Risk Management & Basel Iii Bali 12/06/2013 13/06/2013
Workshop 2 Hari Jw Consulting Jakarta 05/07/2013 06/07/2013

Yayat Sutaryat
Seminar Sehari Risk Based Bank Rating (Rbbr)
& Good Corporate Governance Bagi Pengurus Jakarta 09/09/13 09/09/13
dan Pejabat Bank Pembangunan Daerah
Seminar Penerapan Program Apu Ppt &
Jakarta 19/09/13 19/09/13
Implementasi Fatca
Pelatihan Internal Capital Adequacy Assessment
Jakarta 21/03/2013 21/03/2013
Process (Icaap)
Workshop 2 Hari Jw Consulting Jakarta 05/07/2013 06/07/2013
Rudhyanto Mooduto
Workshop International Standard Banking
Practice Isbp745 2013; Implementasi Isbp 75 Jakarta 23/10/13 24/10/13
Terhadap Dok Transaksi dlm Skbdn dan Lc
Sertifikasi Manajemen Risiko Level 1 Surabaya 18/05/2013 18/05/2013
Klemi Subiyantoro
Sertifikasi Manajemen Risiko Level 2 Jakarta 22/06/2013 22/06/2013
Rapat Dewan Komisaris Board of Commissioners’ Meeting

Dewan Komisaris menyelenggarakan rapat sekurang-kurangnya Board of Commissioners hold meetings at least once every month or
setiap bulan sekali atau pada setiap waktu jika dianggap perlu at any time deemed necessary by one or more members of the Board
oleh salah satu atau lebih anggota Dewan Komisaris. Mekanisme of Commissioners. Decision-making mechanism in the meeting of
pengambilan keputusan dalam rapat Dewan Komisaris berdasarkan the Board of Commissioners is based on deliberation to reach a
atas musyawarah untuk mufakat. Apabila mufakat tidak dapat consensus. If consensus can not be reached, the decision is based on
tercapai, pengambilan keputusan didasarkan pada suara mayoritas a majority vote of present members of the Board of Commissioners
anggota Dewan Komisaris yang hadir atau yang mewakili pada rapat. or its representative at the meeting. If the number of votes are equal,
Apabila jumlah suara berimbang, maka keputusan yang diajukan then the proposed decision must be rejected. Quorum for a meeting
harus ditolak. Kuorum untuk seluruh rapat Dewan Komisaris adalah of the Board of Commissioners is more than half the number of
lebih dari separuh jumlah anggota Dewan Komisaris yang hadir atau Board members present or represented by the power given to one of
diwakili kuasa yang diberikan kepada salah satu Komisaris yang hadir the Commissioners present at such meeting.
pada rapat tersebut.
Selama tahun 2013, Dewan Komisaris bank bjb telah During the year 2013, bank bjb Board of Commissioners’ meeting
menyelenggarakan rapat sebanyak 55 kali, dengan tingkat kehadiran was held 55 times, with attendance as follows:
sebagai berikut:
282 Kriteria ARA No. VI.1.4,5,6,7

Tabel Kehadiran Dewan Komisaris dalam Rapat
Table of Attendance of the Board of Commissioners Meeting
Periode Januari-Desember 2013 January-December 2013 period
Jumlah Kehadiran
Total Attendance
Nama Jabatan Persentase
Name Position Periode (%)
2013
Period
Komisaris Utama*
Agus Ruswendi 6 10%
President Commissioner
Introduction
Komisaris
Muhadi 18 14%
Commissioner
Komisaris Independen
Achmad Baraba 54 98%
Independent Commissioner
Yayat Sutaryat 54 98%
Klemi Subiyantoro 38 69%
Performance
Rudhyanto Mooduto 31 56%
* Semenjak diterimanya surat keputusan Fit and Proper Test Bank Indonesia * Since the receipt of the decision of the Fit and Proper Test Bank Indonesia
nomor 15/10/APBU/Bd/Rahasia pada tanggal 6 Februari 2013, tidak lagi 15/10/APBU/Bd/Rahasia number on February 6, 2013, no longer effectively
efektif menjadi Komisaris Utama. be Commissioner.
Pengungkapan Prosedur Penetapan Remunerasi Disclosing the Procedure for Determining
Good Corporate
Governance
dan Struktur Remunerasi Remuneration and Structure of Remuneration
Prosedur dan struktur remunerasi sesuai dengan ketentuan Peraturan Procedure and structure of remuneration are in compliance with
Bank Indonesia Nomor 8/4/PBI/2006 Tentang Pelaksanaan Good Bank Indonesia Regulation No. 8/4/PBI/2006 on the Implementation
Corporate Governance bagi Bank Umum pasal 46 bahwa untuk of Good Corporate Governance for Commercial Bank, Article 46,
pengurus direkomendasikan kebijakan remunerasi paling kurang stating that the remuneration policy for the Management at least is
sesuai dengan: in accordance with:
Corporate Social
Responsibility
a. Kinerja keuangan dan pemenuhan cadangan sebagaimana a. Financial performance and fulfilment of reserve set forth in the
diatur dalam peraturan perundang-undangan yang berlaku; prevailing rules and regulations;
b. Prestasi kerja individual; b. Individual achievement;
c. Kewajaran dengan peer group; dan c. Fairness with peer group; and
d. Pertimbangan sasaran dan strategi jangka panjang Bank. d. Consideration of the Bank’s target and long-term strategy.
Remunerasi Dewan Komisaris
Consolidated
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
Board of Commissioners
Orang/People Jutaan/Million Rupiah
1 Remunerasi/Remuneration
Corporate Data
a. Imbalan Kerja (Gaji) Tahun 2013/Benefits (Salary) Year 2013

Januari - Februari/January - February 6 800
Maret - Juni/Maret - June 5 3.425
b. THR 5 520
c. IPK 6 801
d. Tantiem (Dihitung dari laba yang diperoleh)/ 6 12.967
Tantiem (Calculated from the profits derived)
Total 18.513
2 Fasilitas lain dalam bentuk natura/Other facilities in kind
a. Dapat dimiliki/Be owned
Pakaian Dinas/Clothing Department 5 137
Total 137
Jumlah/Total 18.650
Kriteria ARA No. VI.4.2,3 283

Komite Dibawah Koordinasi
Komite Dibawah Koordinasi Dewan Komisaris Dewan Komisaris
Hingga akhir tahun 2013, Dewan Komisaris bank bjb dibantu oleh: Up to the end of 2013, bank bjb Board of Commissioners were
1. Komite Audit assisted by:
2. Komite Pemantau Risiko 1. Audit Committee
3. Komite Remunerasi dan Nominasi 2. Risk Monitoring Committee
3. Remuneration and Nomination Committee
Komite Audit Audit Committee

Dalam rangka memenuhi Peraturan Bank Indonesia Nomor 8/14/2006 In order to meet the Bank Indonesia Regulation Number 8/14/2006
tentang Perubahan atas Peraturan Bank Indonesia No. 8/4/2006 on Amendments to Bank Indonesia Regulation No. 8/4/2006 on
tentang Pelaksanaan Good Corporate Governance bagi Bank Umum, the Implementation of Good Corporate Governance for Banks,
maka Dewan Komisaris telah membentuk Komite Audit. Komite Audit the Board of Commissioners has established an Audit Committee.
merupakan alat kelengkapan Dewan Komisaris yang berfungsi untuk Audit Committee of the Board of Commissioners are fittings whose
melakukan pengawasan atas efektivitas sistem pengendalian intern, function is to conduct oversight of the effectiveness of internal control
internal audit, proses pelaporan keuangan, sehingga Bank dapat systems, and internal audit, financial reporting process, enabling
dikelola berdasarkan prinsip-prinsip transparansi, akuntabilitas, the Bank to be managed based on the principles of transparency,
pertangungjawaban, independensi, dan kewajaran. accountability, responsibility, independence, and fairness.
Pembentukan Komite Audit bank bjb juga berpedoman pada The establishment of the Audit Committee of bank bjb also refers to
ketentuan sebagai berikut: the following provisions:
a. Keputusan Menteri Negara Pendayagunaan Badan Usaha Milik a. Decree of the State Minister of State Owned Enterprises
Negara Nomor KEP-117/M-PBUMN/2002 tanggal 1 Agustus No. KEP-117/M-PBUMN/2002 dated August 1, 2002 on the
2002 tentang Penerapan Praktik Good Corporate Governance Implementation of Good Corporate Governance in State Owned
pada Badan Usaha Milik Negara. 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 Pedoman dated December 22, 2003 on the Establishment and Working
Pelaksanaan Kerja Komite Audit. Guidelines for Audit Committee.
c. Surat Keputusan Dewan Komisaris PT. Bank Jabar Nomor: 04A/ c. Decision Letter from the Board of Commissioners of PT Bank
SK/DK/2007 tanggal 28 Juni 2007 tentang Pembentukan Komite Jabar No.: 04A/SK/DK/2007 dated June 28, 2007 on the
dan Pedoman Kerja Komite Dewan Komisaris PT Bank Jabar. Establishment of Committee and Working Guidelines for the
d. Surat Keputusan Dewan Komisaris PT Bank Pembangunan Daerah Board of Commissioners of PT Bank Jabar.
Jawa Barat dan Banten, Tbk. Nomor: 06/SK/DK/2012 tanggal 3 d. Decision Letter from the Board of Commissioners of PT Bank
Oktober 2012 Tentang Perubahan Susunan Keanggotaan Komite Pembangunan Daerah Jawa Barat and Banten, Tbk. No: 06/
pada Dewan Komisaris. SK/DK/2012 dated October 3, 2012 on the Change of the
e. Surat Keputusan Dewan Komisaris PT Bank Pembangunan Daerah Composition of the Board of Commissioners.
Jawa Barat dan Banten, Tbk. Nomor: 001/SK/DK/2013 tanggal e. Decision Letter from the Board of Commissioners of PT Bank
23 Januari 2013 Tentang Pembagian Tugas dan Pelaksanaan Pembangunan Daerah Jawa Barat and Banten, Tbk. No.: 001/
Jadwal Kegiatan Dewan Komisaris serta Komite-Komite. SK/DK/2013 dated January 23, 2013 on the Division of Duty and
the Implementation of the Schedule of Activities for the Board of
Commissioners and its Committees.
Komite Audit bank bjb secara kolektif mempunyai kompetensi Audit Committee bank bjb as collective have experience in
dan pengalaman di bidang Akuntansi, Keuangan, Hukum dan Accounting, Finance, Legal and Banking fields.
Perbankan.
Susunan Ketua dan Anggota Komite Audit The Composition of Audit Committee Chairman
Dalam periode 2013 susunan Komite Audit bank bjb adalah sebagai and Member
berikut: In the period 2013 bjb bank’s Audit Committee are as follows:
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

Curriculum Vitae of Non-Commissioner Members of
Riwayat Hidup Singkat komite bank bjb bagi Curriculum Vitae of Non-Commissioner Members
anggota diluar Komisaris of committee
Ramson Sinaga Ramson Sinaga

Warga Negara Indonesia, 53 tahun. Menyelesaikan pendidikan Indonesian citizen, 53 years. Earned a Sarjana degree in Economics/
Sarjana di bidang Ekonomi/Akuntansi dari Universitas Padjadjaran Accounting from Universitas Padjadjaran Bandung in 1986 and a
Bandung pada tahun 1986 dan Magister Management pada Sekolah Master’s degree in Management from Sekolah Tinggi Ilmu Ekonomi
Tinggi Ilmu Ekonomi IPWI pada tahun 1998. Menjabat sebagai IPWI in 1998. He served as a Member of the Audit Committee of
Anggota Komite Audit bank bjb sejak tahun 2007. Jabatan lain bank bjb since 2007. Other positions that have or are held were
Introduction
yang pernah atau sedang dipegang antara lain yaitu Konsultan CIBA Consultant at CIBA (2004-2009); Finance Director of PT Reka Jaya
(2004-2009); Direktur Keuangan PT Reka Jaya pada tahun 2000. in 2000.
Memed Sueb Memed Sueb

Warga Negara Indonesia, 52 tahun. Menyelesaikan pendidikan Indonesian citizen, 52 years. Earned A Sarjana degree in Economic
Sarjana Ekonomi Jurusan Akuntansi di STIE Tridharma dan Universitas majoring in Accounting from STIE Tridharma and Universitas

Padjadjaran, Magister dan Doktor pada Universitas Padjadjaran. Padjadjaran, Master’s degree and PhD from Universitas Padjadjaran.
Performance
Pernah menjabat sebagai Auditor di Kantor Akuntan Publik. Menjabat Previously he served as an Auditor in Public Accounting Firm. He
Komite Audit bank bjb periode 2007-2011 dan kembali menjadi served as member of the Audit Committee of bank bjb in 2007-
Komite Audit bank bjb sejak Agustus 2012. Jabatan lain yang pernah 2011 and is appointed again to serve as a member of the Audit
atau sedang dipegang antara lain Asisten Direktur II Pasca Sarjana Committee of bank bjb since August 2012. Other positions that he
Universitas Padjadjaran (2009-2011), Direktur Konsultan Manajemen served include Assistant Director II Graduate School of Universitas
PT Mediyan Consulindo Abadi Bandung 2005 sampai sekarang. Padjadjaran (2009-2011), Director of Management Consultant
Good Corporate
Governance
PT Mediyan Consulindo Abadi, Bandung 2005 -present.
Suwarta Suwarta
Warga Negara Indonesia, 43 tahun. Menyelesaikan pendidikan Indonesian citizen, 43 years. Earned a Sarjana degree in Accounting
Akuntansi di Sekolah Tinggi Akuntansi Negara, Sarjana Akuntansi from Sekolah Tinggi Akuntansi Negara, Sarjana degree in Accounting
di Universitas Satya Negara, Sarjana Hukum di Universitas Indonesia from Universitas Satya Negara, Sarjana degree and Master degree in
Corporate Social
Responsibility
dan Magister dari Universitas Indonesia. Saat ini sedang menempuh Law from Universitas Indonesia. Previously he served as a member
Program Doktoral Manajemen Bisnis Di Universitas Brawijaya. of Audit Committee of KSO Sucofindo-Surveyor Indonesia before
Pernah menjabat sebagai komite audit di KSO Sucofindo-Surveyor appointing as a member of bank bjb Audit Committee since August
Indonesia sebelum menjabat Komite Audit bank bjb sejak Agustus 2012. Other positions that he served include: Partner at JMT Law
2012. Jabatan lain yang pernah atau sedang dipegang antara House, a consulting firm (2009-present) and an Accounting and
lain Partner pada Kantor Konsultan Hukum Bisnis JMT Law House Tax Lecturer at Sekolah Tinggi Akuntansi Negara (1997-present).
(2009-sekarang) dan Dosen Akuntansi dan Pajak pada Sekolah Currently he holds a level IV Risk Management Certification.
Consolidated
Tinggi Akuntansi Negara (1997-sekarang). Saat ini ia telah memiliki
Sertifikasi Manajemen Risiko level IV.
Tugas dan Tanggung Jawab Komite Audit Duties and Responsibilities of Audit Committee
Komite Audit mendukung Dewan Komisaris dalam hal: The Audit Committee supports the Board of Commissioners in terms of:
1. Memastikan bahwa laporan keuangan Bank dapat dimengerti, 1. Ensure that the Bank’s financial statements is understandable,
Corporate Data
transparan, dan dapat diandalkan. transparent, and reliable.

2. Menilai pelaksanaan kegiatan serta hasil audit yang dilaksanakan 2. Assess the implementation of the activities and results of audits
oleh Divisi Audit Internal maupun eksternal sehinga dapat conducted by the Division of Internal Audit as well as external
mencegah pelaksanaan dan pelaporan yang tidak memenuhi preventing the execution and reporting that do not meet the
standar. standards.
3. Melakukan evaluasi kebijakan bank bjb yang berhubungan 3. Evaluate the Bank’s policies relating to compliance with laws and
dengan kepatuhan terhadap peraturan perundang-undangan regulations, ethics, conflicts of interest, and investigation of the
yang berlaku, etika, benturan kepentingan, dan investigasi existence of errors or fraud, through the Board of Commissioners
kesalahan maupun kecurangan dan memberikan rekomendasi provide recommendations to improve the Bank’s internal
mengenai penyempurnaan sistem pengendalian intern Bank control system and its implementation through the Board of
serta pelaksanaannya melalui Dewan Komisaris. Commissioners.
Kriteria ARA No. VI.8.1,2, VI.8.4 285

Komite Dibawah Koordinasi Dewan Komisaris Komite Dibawah Koordinasi Dewan Komisaris
4. Melakukan evaluasi Rencana Kerja Divisi Audit Intern, pelaporan, 4. To evaluate the Division of Internal Audit Work Plan, reporting,
dan temuan yang signifikan. and significant findings.
5. Berkomunikasi dengan Direksi dan Satuan Kerja terkait tentang 5. Communicate with Directors and related Task Force on the
status, kemajuan, dan perkembangan baru pada permasalahan status, progress, and new developments on the operational
operasional yang dijumpai serta temuan Divisi Audit Intern. problems encountered as well as the findings of the Internal
6. Memastikan bahwa Divisi Audit Internal dapat memiliki akses Audit Division.
langsung kepada Komite Audit dan dapat berkomunikasi di luar 6. Ensuring that the Internal Audit Division have a direct access to
rapat komite yang telah dijadwalkan. the Audit Committee and encourage communication outside the
7. Menciptakan jalur komunikasi langsung dengan Auditor committee meetings which have been scheduled.
Eksternal/Pengawas Bank untuk membahas rencana audit, 7. Creating a direct line of communication with the External
temuan maupun laporan. Auditor/Bank Controller to discuss the audit plans, findings and
reports.
Komite Audit memiliki pedoman kerja yang dituangkan dalam The Audit Committee has a working guidelines as outlined in the
pedoman kerja Komite yang telah disetujui oleh Dewan Komisaris. Committee Working Guidelines that had been approved by the
Sesuai dengan pedoman kerjanya, Komite Audit mereview laporan Board of Commissioners. In accordance with the working guidelines,
keuangan dan informasi keuangan lainnya untuk kepentingan para the Audit Committee reviewed the financial statements and other
stakeholders, menelaah hasil pencapaian, efektivitas, dan obyektifitas financial information for the benefit of stakeholders, reviewing results
dari seluruh proses audit internal dan eksternal, mengevaluasi of achievement, effectiveness and objectivity of the entire process
kebijakan Bank yang berhubungan dengan kepatuhan terhadap of internal and external audit, evaluating bank policies relating to
peraturan dan perundang-undangan yang berlaku, dan memberikan compliance with laws and regulations applicable, and to recommend
rekomendasi penyempurnaan sistem pengendalian internal Bank. improvement of the internal control system of the Bank.
Sehubungan dengan tugas dan tanggung jawab tersebut di atas, In connection with the duties and responsibilities mentioned above,
Komite Audit memiliki wewenang sebagai berikut: the Audit Committee has the authority as follows:
1. Mendapatkan informasi, melalui Dewan Komisaris, mengenai 1. Obtain information, through the Board of Commissioners, on
operasional Bank, data karyawan, dana, aset serta sumber daya Bank operations, employee data, funds, assets and other Bank
Bank lainnya yang berkaitan dengan pelaksanaan tugasnya. resources related to the task implementation.
2. Bekerja sama dengan Divisi Audit Intern. 2. Cooperate with the Internal Audit Division.
3. Memberi masukan kepada Dewan Komisaris mengenai keperluan 3. Advises the Board of Commissioners regarding the purposes of
perbaikan dalam proses audit internal, eksternal, dan laporan improvement in the process of internal audit, external, and the
keuangan Bank. Bank’s financial statements.
4. Melakukan evaluasi deskripsi mengenai pengendalian internal/ 4. To evaluate the description of internal control/audit which will
audit yang akan dipublikasikan dalam laporan keuangan dan be published in the financial statements and in the reports of
laporan pelaksanaan penerapan GCG. implementation of GCG.
5. Melakukan kajian atas independensi dan objektivitas auditor 5. Conduct a review of the independence and objectivity of external
eksternal serta merekomendasikan auditor eksternal yang akan auditors and recommends external auditors to be appointed
dipilih oleh Bank untuk mengaudit laporan keuangan Bank, unit by the Bank to audit the financial statements of the Bank, its
bisnis maupun anak perusahaan. subsidiaries and business units.
Secara garis besar, Komite Audit memberikan pendapat profesional In broad outline, the Audit Committee provides an independent
yang independen kepada Dewan Komisaris berdasarkan hasil evaluasi professional opinion to the Board of Commissioners of the evaluation
dan semua risiko yang penting dipertimbangkan, identifikasi hal-hal and consideration of all significant risks, identify things that need
yang memerlukan perhatian khusus dalam bidang laporan keuangan special attention in the financial statements of the Board of Directors,
dari Direksi dan auditor eksternal, serta ketaatan pada peraturan reports from external auditors, and compliance with laws and
perundang-undangan dan pelaksanaan manajemen risiko. regulations and implementation of risk management.
Laporan Kegiatan Komite Audit Report of Audit Committee Activities

Komite Audit melaporkan kegiatannya kepada Dewan Komisaris, The Audit Committee will report its activities to the Board of
sebagai pertanggungjawaban atas pelaksanaan tugas Komite Audit. Commissioners as the accountability of the Audit Committee
Komite Audit telah melakukan tugasnya, baik yang bersifat rutin assignments. Herein, The Audit Committee has performed its duties,
maupun yang non-rutin. both routine and non-routine.

Komite Audit selama tahun 2013 telah melaksanakan tugas sesuai Audit Committee during the year 2013 has performed its duties
Piagam Komite Audit sebagai berikut: according to the Charter of the Audit Committee as follows:
1. Penelaahan atas informasi keuangan yang akan diterbitkan 1. Review of financial information that will be issued by Bank as
oleh Bank seperti laporan keuangan, proyeksi dan informasi financial statements, projections, and other financial information.
keuangan lainnya. Komite Audit melakukan penelaahan dan The Committee reviews the final draft of financial statements,
memberikan saran-saran penyempurnaan atas draft final laporan the scheduled quarterly publication by giving some suggestions
keuangan publikasi triwulanan. Komite Audit juga telah secara for improvement. The Audit Committee has been actively on
aktif melakukan diskusi dengan akuntan publik dan manajemen schedule in a discussion with external auditors and management
mengenai masalah-masalah yang perlu didiskusikan sesuai about the problems that need to be discussed according to
Standar Audit Seksi 380 (PSA No. 48) perihal komunikasi dengan the Audit Standards Section 380 (PSA no. 48) concerning
Introduction
Komite Audit. communications with the Audit Committee.
2. Evaluasi atas efektivitas pelaksanaan audit eksternal termasuk 2. Evaluation on the effectiveness of the audit execution of the
penelaahan independensi dan objektivitas auditor eksternal external auditor, including reviewing the independence and
serta penelaahan kecukupan pemeriksaan yang dilakukan untuk objectivity of the external auditor as well as reviewing the
memastikan semua risiko yang penting telah dipertimbangkan. adequacy of the execution to ensure all significant risks to
3. Penelaahan atas ketaatan Bank terhadap perundang-undangan consider.
Performance
perbankan. Pengujian dan pemantauan kepatuhan yang 3. Review of the Bank’s compliance to banking regulations.
dilakukan oleh Bank telah diupayakan secara optimal. Evaluation and monitoring the optimal compliance of the Bank.
4. Pemantauan dan evaluasi atas perencanaan dan pelaksanaan 4. Monitor and evaluate planning and execution of the audits and
audit serta pemantauan atas tindak lanjut hasil audit dalam monitoring the follow up of the audit results in order to assess
rangka menilai kecukupan proses pelaporan keuangan. Selama the adequacy of the financial reporting process. During the year
tahun 2013, Komite Audit telah melakukan pemantauan dan 2013, the Audit Committee has conducted the monitoring and
Good Corporate
Governance
evaluasi terhadap: the evaluation of:
a. Pelaksanaan tugas Divisi Audit internal (DAI). Dari hasil a. Implementation of Internal Audit Division (IAD). From
evaluasi dapat disimpulkan bahwa perencanaan DAI telah the evaluation of risk-based auditing, the execution and
dilaksanakan sesuai dengan perencanaan audit berbasis reporting of the audit have been conducted in accordance
risiko, pelaksanaan audit dan pelaporan telah dilakukan with the Standard Bank Internal Audit Function (SPFAIB).
sesuai dengan Standar Pelaksanaan Fungsi Audit Intern b. The compliance of the audit execution by public accountant
Corporate Social
Bank (SPFAIB). has to follow the applicable standard. Based on the
Responsibility
b. Kesesuaian pelaksanaan audit oleh kantor akuntan publik evaluation of the Audit Committee, the appointed public
dengan standar yang berlaku. Dari hasil pemantauan accounting firm has conduct the audit in accordance with
dan evaluasi Komite Audit, kantor akuntan publik telah Auditing Standards established by Indonesian Accountants
melaksanakan sesuai dengan Standar Auditing yang Public Association.
ditetapkan Ikatan Akuntan Publik Indonesia. c. The compliance with financial reporting standards. The
c. Kesesuaian laporan keuangan dengan standar yang berlaku Audit Committee has discussed the readiness and the
Consolidated
termasuk tentang penerapan PSAK No. 50 dan No. 55. implementation of SFAS No. 50 and No. 55, both with
d. Pelaksanaan tindak lanjut oleh Direksi atas hasil temuan management and with external auditors and consultants.
DAI, akuntan publik dan hasil pengawasan Bank Indonesia. d. Monitoring the follow-up on the findings of DAI by the
Selama tahun 2013 Komite Audit melakukan pertemuan- Board of Directors, Public Accountant and the result of Bank
pertemuan dengan DAI dalam rangka membahas temuan Indonesia supervision. During 2012, the Audit Committee
dan tindak lanjut temuan DAI. Komite Audit juga menjaga conducted several meetings with the DAI in order to
Corporate Data
jalur komunikasi langsung dengan DAI, baik yang terjadwal discuss on the findings of DAI and its follow-up. The Audit
dalam rapat rutin maupun diluar jadwal rapat. Committee also maintains communication channels directly
e. Pemberian rekomendasi mengenai penunjukan kantor with DAI, both scheduled in a routine meeting or outside the
akuntan publik kepada Dewan Komisaris. Untuk tahun buku meeting schedule.
2013, Tim Pemilihan Kantor Akuntan Publik yang terdiri e. Providing recommendations on the nominations of public
dari Komite Audit dan unsur manajemen telah melakukan accountants and public accounting firm to the Board of
proses pemilihan Kantor akuntan publik untuk melakukan Commissioners. For 2013 fiscal year, the selection team
audit atas Laporan Keuangan Konsolidasi bank bjb. Tim consisting of Certified Public Accountants Audit Committee
telah mengusulkan dan Dewan Komisaris telah menetapkan and management elements have made the selection process
Kantor Akuntan Publik Ernst and Young sebagai Auditor of public accountants to audit the Consolidated Financial
Independen. Statements of bank bjb. The team has proposed and give
a reference and the Board of Commissioners has appointed
Ernst and Young as a public accounting firm.
287
Komite Audit juga melakukan beberapa tugas lain yang diberikan The Audit Committee has also performed some other tasks given by
oleh Dewan Komisaris, diantaranya memberikan masukan terhadap the Commissioners, such as providing input to the discussion of the
pembahasan Rencana Bisnis Bank. Bank Business Plan.
Independensi Anggota Komite Audit The Audit Committee Members Independence

Ketua dan anggota calon Komite Audit terdiri dari 3 (tiga) orang Chairman and member of the Audit Committee candidates consists
Komisaris Independen) dan 3 (tiga) orang anggota Independen. of 3 (three) Independent Commissioner) and 3 (three) members of the
Nominasi untuk calon anggota Komite Audit harus di-review oleh Independent. Nominations of candidates for members of the Audit
Komite Remunerasi dan Nominasi (KRN). Seperti telah ditetapkan Committee shall be reviewed by the Remuneration and Nomination
oleh KRN, setiap anggota komite harus bersifat independen. Committee (RNC). As established by the RNC, each committee
Kualifikasi penugasan dan fungsi dari Komite Audit harus tunduk member must be independent. Qualification of assignments and
kepada aturan yang berlaku dari Bapepam-LK, Bursa Efek Indonesia functions of audit committees should be subject to applicable rules
serta Bank Indonesia. Bahwa seluruh anggota komite audit bank bjb of Bapepam-LK, Indonesia Stock Exchange, and Bank Indonesia. That
periode 2013 memiliki kedudukan yang independen terhadap bank all members of the bank’s audit committee bjb period of 2013, the
bjb. independent position of the bank bjb.
Rapat dan Kehadiran Anggota Komite Audit Meeting and Attendance of Audit Committee
Selama tahun 2013, Komite Audit telah menyelenggarakan Members
pertemuan sebanyak 18 kali. Berikut informasi tingkat kehadiran During the year 2013, the Audit Committee held as 18 meetings.
Anggota Komite Audit dalam Rapat di tahun 2013: The following is the attendance rate of in the Audit Committee
Members in 2013:
Tabel Kehadiran Rapat Komite Audit
Attendance Table of Audit Committee Meetings
Periode Januari-Desember 2013/Period January-December 2013
Jumlah Kehadiran
Nama Total Attendance Persentase Kehadiran
Name Periode 2013 Percentage Attendance
2013 Period
Achmad Baraba 13 72,2%
Rudhyanto Mooduto 16 88,9%
Ramson Sinaga 13 72,2%
Memed Sueb 12 66,7%
Suwarta 13 72,2%
Komite Remunerasi dan Nominasi Remuneration and Nomination

Committee
Komite Remunerasi dan Nominasi bank bjb dibentuk berdasarkan: The Remuneration and Nomination Committee of bank bjb was
a. Peraturan Bank Indonesia nomor 8/4/PBI/2006 tanggal 30 Januari established pursuant to:
2006 tentang Good Corporate Governance; a. Bank Indonesia Regulation no. 8/4/PBI/2006 dated January 30,
b. Peraturan Bank Indonesia nomor 8/14/PBI/2006 tanggal 5 2006 on Good Corporate Governance;
Oktober 2006 tentang Perubahan atas Peraturan Bank Indonesia b. Bank Indonesia Regulation no. 8/14/PBI/2006 dated October 5,
nomor 8/4/PBI/2006 tentang Good Corporate Governance; 2006 on Amendment on Bank Indonesia Regulation no. 8/4/
c. Surat Edaran Bank Indonesia nomor 9/12/DPNP tanggal 30 Mei PBI/2006 on Good Corporate Governance;
2007 tentang Pelaksanaan Good Corporate Governance bagi c. Bank Indonesia Circular Letter no. 9/12/DPNP dated May 30,
Bank Umum; 2007 on the Implementation of Good Corporate Governance
d. Surat Keputusan Dewan Komisaris PT Bank Jabar nomor 04A/SK/ for Commercial Bank;
DK/2007 tanggal 28 Juni 2007 Tentang Pembentukan Komite d. Decision Letter of the Board of Commissioners no. 04A/SK/
dan Pedoman Kerja Komite Dewan Komisaris PT Bank Jabar; DK/2007 dated June 28, 2007 on the Establishment of the
e. Surat Keputusan Dewan Komisaris PT Bank Pembangunan Daerah Committees and Working Guidelines for the Committee of the
Jawa Barat dan Banten, Tbk. nomor 06/SK/DK/2012 tanggal 3 Board of Commissioners of PT Bank Jabar;
Oktober 2012 Tentang Perubahan Susunan Keanggotaan Komite e. Decision Letter of the Board of Commissioners of PT Bank
pada Dewan Komisaris. Pembangunan Daerah Jawa Barat and Banten, Tbk. no. 06/SK/
DK/2012 dated October 3, 2012 on the Change of Composition
of the Committee under the Board of Commissioners.
288 Kriteria ARA No. VI.8.3,6,9

f. Surat Keputusan Dewan Komisaris PT Bank Pembangunan Daerah f. Decision Letter of the Board of Commissioners of PT Bank
Jawa Barat dan Banten, Tbk. nomor 001/SK/DK/2013 tanggal 23 Pembangunan Daerah Jawa Barat and Banten, Tbk. no. 001/
Januari 2013 tentang Pembagian Tugas dan Pelaksanaan Jadwal SK/DK/2013 dated January 23, 2013 on the Division of Duties
Kegiatan Dewan Komisaris Serta Komite-Komite. and the Implementation of Schedule of Activities of the Board of
Commissioners and the Committee.
Susunan Ketua dan Anggota Komite Remunerasi Composition of the Remuneration and Nomination
dan Nominasi Committee
Periode 1 Januari - 22 Januari 2013 Period of 1 January - 22 January 2013
Introduction
Berdasarkan Surat Keputusan Dewan Komisaris PT Bank Pembangunan Based on the Decision Letter of the Board of Commissioners of
Daerah Jawa Barat dan Banten, Tbk. nomor 06/SK/DK/2012 tanggal PT Bank Pembangunan Daerah Jawa Barat and Banten, Tbk. no. 06/
3 Oktober 2012 Tentang Perubahan Susunan Keanggotaan Komite SK/DK/2012 dated October 3, 2012 on the Change of Composition
pada Dewan Komisaris. of the Committee under the Board of Commissioners.
No Jabatan/Position Nama/Name
Performance
1. Ketua/Chairman Yayat Sutaryat (Komisaris Independen/Independent Commissioner)
2. Anggota/Member Agus Ruswendi (Komisaris Utama/President Commissioner)*
3. Anggota/Member Muhadi (Komisaris/Commissioner)
4. Anggota/Member Klemi Subiyantoro (Komisaris Independen/Independent Commissioner)
5. Anggota/Member Pemimpin Divisi SDM (Ex Officio)/Head of Division Human Capital (Ex Officio)
* Semenjak diterimanya surat keputusan Fit and Proper Test Bank Indonesia * Upon receiving letter of Fit and Proper Test from Bank Indonesia no. 15/10/
Good Corporate
nomor 15/10/APBU/Bd/Rahasia pada tanggal 6 Februari 2013, tidak lagi APBU/Bd/Rahasia on February 6, 2013, no longer serves as member.
Governance
efektif menjadi anggota.
Periode 23 Januari - 31 Desember 2013 Period of 23 January - 31 December 2013

Berdasarkan Surat Keputusan Dewan Komisaris PT Bank Pembangunan Based on the Decision Letter of the Board of Commissioners of
Daerah Jawa Barat dan Banten, Tbk. Nomor 001/SK/DK/2013 tanggal PT Bank Pembangunan Daerah Jawa Barat and Banten, Tbk. Nomor
23 Januari 2013 tentang Pembagian Tugas dan Pelaksanaan Jadwal 001/SK/DK/2013 dated January, 2013 on the Division of Duties
Corporate Social
Responsibility
Kegiatan Dewan Komisaris Serta Komite-Komite. and the Implementation of Schedule of Activities of the Board of
Commissioners and the Committees.
No Jabatan/Position Nama/Name
1. Ketua/Chairman Yayat Sutaryat (Komisaris Independen/Independent Commissioner)
2. Anggota/Member Agus Ruswendi(Komisaris Utama/President Commissioner)*
3. Anggota/Member Muhadi (Komisaris/Commissioner)
4. Anggota/Member Klemi Subiyantoro ((Komisaris Independen/Independent Commissioner)
Consolidated
5. Anggota/Member Rudhyanto Mooduto (Komisaris Independen/Independent Commissioner)
6. Anggota/Member Pemimpin Divisi SDM (Ex Officio)/Head of Division Human Capital (Ex Officio)
* Semenjak diterimanya surat keputusan Fit and Proper Test Bank Indonesia * Upon receiving letter of Fit and Proper Test from Bank Indonesia no. 15/10/
nomor 15/10/APBU/Bd/Rahasia pada tanggal 6 Februari 2013, tidak lagi APBU/Bd/Rahasia on February 6, 2013, no longer serves as member.
efektif menjadi anggota.
Riwayat Hidup Singkat Anggota Komite Remunerasi Curriculum Vitae of Non-Commissioner Members of
Corporate Data
dan Nominasi Khusus bagi anggota diluar the Remuneration and Nomination Committee
Komisaris
Nama : Neneng Hayati Name : Neneng Hayati

Jabatan : Pemimpin Divisi SDM Position : Head of Human Resources Division
Karir di bank bjb : sejak tahun 1992 Career in bjb : since 1992

Tugas dan Tanggung Jawab Komite Remunerasi Duty and Responsibility of the Remuneration and
dan Nominasi Nomination Committee
Berdasarkan Peraturan Bank Indonesia tentang Pelaksanaan Good Based on Bank Indonesia Regulation on the Implementation of Good
Corporate Governance yang telah dituangkan dalam program Corporate Governance which has been outlined in the Committee’s
kerja Komite, secara garis besar Komite Remunerasi dan Nominasi work program, an outline of the Remuneration and Nomination
mempunyai tugas dan tanggung jawab sebagai berikut: Committee has the duties and responsibilities as follows:
a. Terkait dengan kebijakan Remunerasi: a. Related to the remuneration policy:
1. Melakukan evaluasi terhadap kebijakan remunerasi 1. Evaluate the remuneration policy.
2. Memberikan rekomendasi kepada Dewan Komisaris, 2. Provide recommendation to the Board of Commissioners
mengenai: on:
a. Kebijakan remunerasi bagi Dewan Komisaris dan Direksi a. The remuneration policy for the Board of Commissioners
untuk disampaikan kepada Rapat Umum Pemegang and the Board of Directors to be submitted to General
Saham Meeting of Shareholders.
b. Kebijakan remunerasi bagi Pejabat Eksekutif dan b. Remuneration policy for the entire executives officers and
pegawai secara keseluruhan untuk disampaikan kepada employees to be submitted to the Board of Directors.
Direksi.
b. Terkait dengan Kebijakan Nominasi: b. Related to the nomination policy:

1. Menyusun dan memberikan rekomendasi mengenai sistem 1. Prepare and provide recommendation on the system and the
serta prosedur pemilihan dan/atau penggantian anggota procedure of selection and/or replacement of member of the
Dewan Komisaris dan Direksi kepada Dewan Komisaris untuk Board of Commissioners and the Board of Directors to be
disampaikan kepada Rapat Umum Pemegang Saham. submitted to the General Meeting of Shareholders.
2. Memberikan rekomendasi mengenai calon anggota Dewan 2. Provide recommendation for the candidate of Commissioner
Komisaris dan/atau Direksi kepada Dewan Komisaris untuk and/or Director to the Board of Commissioners to be
disampaikan kepada Rapat Umum Pemegang Saham submitted to the General Meeting of Shareholders.
3. Memberikan rekomendasi mengenai Pihak Independen yang 3. Provide recommendation on independent party to be
akan menjadi anggota Komite. appointed as member of committee.
c. Tugas Lainnya: c. Other Duties:

1. Melakukan evaluasi atas pelaporan kebijakan SDM dan 1. Evaluate HR policy reporting and provide suggestion for
memberikan saran untuk perbaikan/peningkatannya. improvement.
2. Melakukan self assessment dalam pelaksanaan tugasnya, 2. Conduct self assessment in performing duties, and other
serta melaksanakan tugas khusus yang diberikan Dewan special duties from the Board of Commissioners.
Komisaris. .
Laporan Pelaksanaan Kegiatan Komite Remunerasi Implementation Report of the Remuneration and
dan Nominasi Nomination Committee Activities
Dalam rapat sepanjang tahun 2013, Komite Remunerasi dan During the year 2013, the Remuneration and Nomination
Nominasi telah melakukan pembahasan terhadap hal-hal sebagai Committee has held discussions on the following agenda:
berikut:
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 rules and regulations - regulations,
undangan, kebijakan perusahaan yang berlaku dalam company policies that applied to the remuneration
kebijakan remunerasi, penetapan fasilitas dan tunjangan policy, the establishment of facilities and other benefits.
lainnya. • Monitor the prevailing remuneration system in state-
• Melakukan pemantauan sistem remunerasi yang sedang owned banks, national and foreign commercial Banks.
berlaku di pasar Bank BUMN/BUMD, Bank Swasta
Nasional maupun asing.
- Melakukan pembahasan terhadap kebijakan remunerasi - Conduct discussion on the current remuneration policy in
yang sedang berjalan di bank bjb. bank bjb.

• Remunerasi Pengurus: • Remuneration for the Management:
Membahas kebijakan remunerasi pengurus yang sedang Discussing the bank’s current remuneration policy for
berjalan di bank dan merekomendasikan kepada Dewan the management and recommend it to the Board of
Komisaris. Commissioners.
• Remunerasi Pegawai: • Remuneration for the Employees:
Evaluasi kebijakan remunerasi bagi pejabat eksekutif Evaluate the remuneration policy for executive officers
dan pegawai secara keseluruhan. and employees as a whole.
2. Terkait dengan kebijakan nominasi: 2. Related to nomination policies:
- Pembahasan mengenai pedoman/sistem serta prosedur - Discussing the guidelines / systems and procedures of
pemilihan dan atau penggantian Pengurus. appointment and/or replacement of the Management.
Introduction
- Membahas penjaringan serta rekomendasi calon anggota - Discussing the selection and recommendation for prospective
Pengurus. board members.
- Membahas rekomendasi anggota komite dari pihak - Discussing the recommendations for the committee member
independen. from independent party.
• Membahas rekomendasi anggota komite dari pihak • Discussing the recommendation for the member of
independen. committee from independent party.
Performance
• Pembahasan nominasi anggota komite. • Discussing nomination for committee members.
3. Terkait dengan Pedoman kerja dan pelaporan. 3. Related to working and reporting guidelines.
- Pedoman kerja. - Work Guidelines.
- Program Kerja. - Work Program.
- Laporan kegiatan. - Activities Report
4. Kegiatan Lainnya yang masih dalam ruang lingkup KRN. 4 . Other activities within the scope of the KRN.
Good Corporate
Governance
Independensi Komite Remunerasi dan Nominasi Independence of the Remuneration and Nomination
Anggota Komite Remunerasi dan Nominasi sebanyak 5 (lima) Committee
orang terdiri dari 3 (tiga) orang Komisaris Independen, 1 (dua) orang Members of the Remuneration and Nomination Committee consists
komisaris, 1 (satu) orang pejabat ex officio dari Pemimpin Divisi of 5 (five) officers, 3 (three) independent commissioners, 1 (one)
SDM. Commissioner and 1 (one) ex officio officer from the Head of Human
Corporate Social
Resources Division.
Responsibility
Rapat dan Kehadiran Anggota Komite Remunerasi Meeting of Remuneration and Nomination
dan Nominasi Committee Members and Attendance
Selama tahun 2013, Komite Remunerasi dan Nominasi telah During the year 2013, the Remuneration and Nomination Committee
menyelenggarakan pertemuan sebanyak 28 kali. Berikut informasi meetings have been held 28 times. The following is the attendance
tingkat kehadiran Anggota Komite Remunerasi dan Nominasi dalam rate information Member of the Remuneration and Nomination
Consolidated
rapat di tahun 2013: Meeting in 2013:
Jumlah Kehadiran
Total Attendance
Nama Presentase
Name Periode Presentage
2013
Period
Corporate Data
Agus Ruswendi* 2 7%
Muhadi 14 50%
Pemimpin Divisi Sdm 25 89%
* Semenjak diterimanya surat keputusan Fit and Proper Test Bank Indonesia • Upon receiving the Decision Letter of Bank Indonesia no. 15/10/APBU/Bd/
nomor 15/10/APBU/Bd/Rahasia pada tanggal 6 Februari 2013, tidak lagi Rahasia pertaining to Fit and Proper Test on February 6, 2013, no longer
efektif menjadi anggota. serves as member.

Komite Pemantau Risiko Risk Monitoring Committee

Komite Pemantau Risiko (KPR) bank bjb merupakan salah satu Risk Monitoring Committee (RMC) bank bjb is one of the committee
komite yang dibentuk Dewan Komisaris Bank dalam rangka established by the Board of Commissioners in order to support the
mendukung efektivitas pelaksanaan tugas dan tanggung jawabnya, effectivity of tasks and responsibilities implementations, as stipulated
sebagaimana dimaksud dalam Peraturan Bank Indonesia nomor 8/4/ in Bank Indonesia Regulation no. 8/4/PBI/2006 on the implementation
PBI/2006 tentang pelaksanaan Good Corporate Governance bagi of Good Corporate Governance for Banks.
Bank Umum.
KPR bank bjb untuk periode tahun 2013 dibentuk berdasarkan: RMC bank bjb in 2013 was established by:
a. Keputusan Dewan komisaris PT Bank Jabar Nomor 04A/SK/ • The decision of the Board of Commissioners of PT Bank
DK/2007, tanggal 28 Juni 2007, Tentang Pembentukan Komite Pembangunan Daerah Jawa Barat dan Banten, Tbk. no. 04/A/
dan Pedoman Kerja Komite Dewan Komisaris, SK/DK/2007, dated June 28, 2007, on the establishment of the
b. Surat Keputusan Dewan Komisaris PT Bank Pembangunan Daerah Committee and the Working Committee Guidelines Board,
Jawa Barat dan Banten, Tbk. nomor 06/SK/DK/2012 tanggal 3 • Decision Letter from the Board of Commissioners of PT Bank
Oktober 2012 Tentang Perubahan Susunan Keanggotaan Komite Pembangunan Daerah Jawa Barat and Banten, Tbk. no.
pada Dewan Komisaris, 06/SK/DK/2012 dated October 3, 2012 on the Change of
c. Keputusan Dewan Komisaris PT Bank Pembangunan Daerah Composition of Members of the Committees under the Board of
Jawa Barat dan Banten,Tbk. nomor 01/SK/DK/2013 Tanggal 23 Commissioners,
Januari 2013 Tentang Pembagian Tugas dan Pelaksanaan Jadwal • Decision of the Board of Commissioners, no. 01/SK/DK/2013
Kegiatan Dewan Komisaris serta komite-komite. dated January 23, 2013, on the Establishment of Committee
and Board of Commissioners Committees Work Guidelines.
Susunan Ketua dan Anggota Komite Pemantau The composition of the Chairman and Members of
Risiko the Risk Monitoring Committee
No Jabatan/Position Nama/Name Position
1. Ketua Achmad Baraba (Independent Commissioner) Chairman
2. Anggota Yayat Sutaryat (Commissioner) Member
3. Anggota Rudhyanto Mooduto (Independent Commissioner) Member
4. Anggota Nury Effendi (Independent) Member
5. Anggota Poppy Sofia Koeswayo (Independent) Member
Riwayat Hidup Singkat Anggota Komite Pemantau Biography of Risk Monitoring Committees Non-
Risiko di Luar Anggota Dewan Komisaris Members of Board of Commissioners
Nury Effendi Nury Effendi

Warga Negara Indonesia berusia 57 tahun. Menyelesaikan Indonesia citizen, age 57. Graduated with a bachelor degree in
pendidikan Sarjana Ekonomi di Universitas Padjadjaran Bandung Economy from the University of Padjadjaran Bandung in 1983,
tahun 1983, Master of Art in Economics dari State University of Master of Art in Economics from State University of Ohio, USA in
Ohio, USA tahun 1987 dan mendapatkan gelar Doktor di bidang 1987 and Doctor of Economy from University of Oklahoma in 2000.
ekonomi dari University of Oklahoma tahun 2000. Menjabat sebagai Assume the position of member of Risk Monitoring Committee of
anggota Komite Pemantau Risiko bank bjb sejak tahun 2007 dan bank bjb since 2007. Other previous positions include: Lecturer in the
jabatan lain yang pernah dipegang diantaranya: Dosen Fakultas Faculty of Economy and Business from the University of Padjadjaran
Ekonomi dan Bisnis Universitas Padjadjaran (1984-sekarang), (1984-present), Deputy Dean for Academic Affairs at the Faculty of
Pembantu Dekan Bidang Akademik Fakultas Ekonomi dan Bisnis Economy and Business University of Padjadjaran (2009-2013), Dean
Universitas Padjadjaran (2009-2013), Dekan Fakultas Ekonomi dan of the Faculty of Economy and Business of University of Padjadjaran
Bisnis Universitas Padjadjaran (2013-sekarang). (2013-present).

Poppy Sofia Koeswayo Poppy Sofia Koeswayo
Warga Negara Indonesia berusia 51 tahun. Menyelesaikan Indonesia citizen, age 51. Graduated with a bachelor degree in
pendidikan Sarjana Ekonomi Bidang Akuntansi dari Universitas Economy Majoring Accounting from the University of Padjadjaran
Padjadjaran Bandung tahun 1987, Master of Science in Accountancy Bandung in 1987, Master of Science in Accountancy (MSA) from
(MSA) dari University of Kentucky, Lexington USA tahun 1994, University of Kentucky, Lexington, USA in 1994, and Doctor in
dan mendapatkan gelar Doktor Manajemen Bisnis dari Universitas Business Management from the University of Padjadjaran in 2009.
Padjadjaran tahun 2009. Menjabat sebagai anggota Komite Held the office of Risk Monitoring Committee of bank bjb since
pemantau Risiko bank bjb sejak tahun 2011 dan jabatan lain yang 2011. Previous positions include: Lecturer at the Faculty of Economy
pernah dipegang diantaranya: Dosen Fakultas Ekonomi dan Bisnis and Business of the University of Padjajaran (1992-present), Partner
Univers (1992-sekarang), Partner Kantor Akuntan Publik Roebiandini at Public Accounting Firm Roebiandini and Associates (1996-present),
Introduction
dan Rekan (1996-sekarang), Anggota Komite GCG PT Pembangkit Member of the GCG Committee of PT Pembangkit Jawa Bali (2007-
Jawa Bali (2007- 2010). 2010).
Tugas dan Tanggung Jawab Komite Pemantau Duties and Responsibilities of Risk Monitoring
Risiko Committee
Sesuai PBI nomor 5/8/PBI/2003, Pasal 2 yang telah diubah dengan Pursuant to PBI no. 5/8/PBI/2003, Article 2 amended by PBI no.
Performance
Peraturan Bank Indonesia nomor 11/25/PBI/2009 tentang Penerapan 11/25/PBI/2009 on the Implementation of Risk Management for
Manajemen Risiko Bagi Bank Umum, mewajibkan Bank menerapkan Commercial Bank, requires the Bank to implement Risk Management
Manajemen Risiko secara efektif, baik untuk Bank secara individual effectively, for the Bank as individual as well as consolidated with the
maupun untuk Bank secara konsolidasi dengan Perusahaan Anak, Subsidiaries, which at least covers 4 (four) following pillars namely:
yang paling kurang mencakup 4 (empat) pilar yaitu: 1. Active supervisory from the Board of Commissioners and the
1. Pengawasan aktif Dewan Komisaris dan Direksi; Board of Directors;
Good Corporate
Governance
2. Kecukupan kebijakan, prosedur dan penetapan limit; 2. Adequacy of policy, procedure and limit set;
3. Kecukupan proses identifikasi, pengukuran, pemantauan, dan 3. Adequacy of process of identification, measurement, monitoring,
pengendalian Risiko, serta sistem informasi Manajemen Risiko; and Risk control, as well as Risk Management Information
dan System; and
4. Sistem pengendalian intern yang menyeluruh. 4. Comprehensive internal control system.
Corporate Social
Evaluasi atas pelaksanaan kebijakan pengelolaan risiko Evaluation on the implementation of risk management policies and
Responsibility
merekomendasikan penyempurnaan infrastruktur dan metodologi recommend infrastructure improvements and methodologies of risk
pengukuran risiko. Secara berkala, Komite Manajemen Risiko measurement. Periodically, the Risk Management Committee improve
melakukan penyempurnaan kebijakan dan pedoman pengelolaan its risk management policies and guidelines to be used as a base of
risiko agar dapat digunakan untuk dasar pengambilan keputusan bank bjb business decisions.
bisnis bank bjb.
Consolidated
Berkaitan dengan tugas pemantauan pelaksanaan tugas SKMR, In association with the task of monitoring the duties performance
Komite Pemantau Risiko telah mengevaluasi laporan Profil Risiko of SKMR, Risk Monitoring Committee has evaluated the Bank’s
Bank, meliputi risiko kredit, risiko pasar, risiko likuiditas, risiko Risk Profile reports, including credit risk, market risk, liquidity
operasional, risiko hukum, risiko reputasi, risiko strategi, dan risiko risk, operational risk, legal risk, reputation risk, strategic risk, and
kepatuhan. Hingga akhir tahun 2013 telah terjadi pengelolaan risikio compliance risk. By the end of 2013 there has been better risk
yang semakin baik dibuktikan dengan peningkatan risk awareness management as evidenced by an increase in risk awareness in the
Corporate Data
di mayoritas risk taking unit. Metode pengukuran risiko dan majority of risk-taking unit. Risk measurement method and its control
pengendaliannya terus menerus disempurnakan oleh SKMR. is continuously being perfected by SKMR.

Kegiatan KPR Tahun 2013 2013 RMC Activities

Sesuai pedoman kerja KPR, maka pada tahun 2013 disusun rencana In accordance with the RMC Guidelines, 2013 work plan was
kerja sebagai berikut: prepared as follows:
No Program Kegiatan KPR Tahun 2013 2013 RMC Activities Program

1. Menyusun rencana kerja tahun 2013: Preparing Committee’s 2013 work plan:
a. Rencana kerja KPR tahun 2013 diselesaikan bulan Januari tahun 2013 a. The RMC’s 2013 workplan was completed by January 2013.
b. Pembahasan laporan realisasi kegiatan KPR semester II tahun 2012 b. The discussion of the realization of RMC activities in the second semester
diselesaikan bulan Januari 2013. of 2012 was completed by January 2013
c. Pembahasan dan laporan realisasi kegiatan KPR semester I tahun 2012 c. Discussion and report on the realization of RMC activities in the first semester
diselesaikan bulan Juli 2013 of 2012 was completed by July 2013
2. Mengevaluasi implementasi kebijakan manajemen risiko dan pelaksanaannya Evaluating the implementation of risk management policies pursuant to
sesuai Surat Edaran Bank Indonesia nomor 13/23/DNPN serta melaporkan dan the Bank Indonesia Circular Letter no. 13/23/DNPN and reporting and
memberikan rekomendasi berdasarkan hasil evaluasi kepada Dewan Komisaris providing recommendations based on results of evaluation to the Board of
dengan hasil sebagai berikut: Commissioners, with the following results:
a. Profil risiko triwulanan bank bjb baik individual, maupun konsolidasi selama a. bank bjb’s quarterly risk profile, individually and consolidated, in 2012 and in
tahun 2012 dan triwulan berjalan tahun 2013, the current quarter of 2013;
b. Profil risiko bank bjb pada triwulan IV tahun 2012 adalah low dengan trend b. bank bjb’s risk profile in the fourth quarter of 2012 was low with a stable
stabil sampai dengan triwulan III tahun 2013, trend until the third quarter of 2013;
c. Risiko kredit bank bjb triwulan IV tahun 2012 adalah 1,2% c. bank bjb’s credit risk in fourth quarter of 2012 was 1.2%;
d. Risiko kredit, risiko pasar, risiko strategi, risiko kepatuhan, dan risiko reputasi d. Credit risk, market risk, strategy risk, compliance risk, and reputational risk is
adalah low low;
e. Risiko likuiditas, risiko operasional, dan risiko hukum adalah low to moderate e. Liquidity risk, operational risk and legal risk is low to moderate.
3. Melakukan pemantauan dan evaluasi atas pelaksanaan tugas Satuan Kerja yang Monitoring and evaluation of the implementation of Units running Risk
menjalankan fungsi Manajemen Risiko melalui : Management function through:
a. Rapat koordinasi sesuai kebutuhan yaitu bulan Februari, Mei, Juni, a. Coordination meetings as required, ie in February, May, June, September,
September, dan Oktober tahun 2013 and October 2013
b. Diskusi dan telaahan atas program kerja Satuan Manajemen risiko b. Discussion and analysis of Risk Management Unit’s work plan
c. Diskusi dan telaah mendesain mekanisme risk tolerance dan risk culture c. Discussion and analysis to design the mechanism of risk tolerance and risk
d. Diskusi pengembangan metode dan tools pengukuran risiko pasar culture
e. Knowledge sharing: dampak kondisi keuangan global terhadap perbankan d. Discussion of the development of methods and tools for measuring market
Indonesia risk
e. Knowledge sharing: the impact of the global financial crisis on Indonesian
banks.
4. Mengkaji dan mengevaluasi pertanggungjawaban Direksi atas pelaksanaan Reviewing and evaluating the accountability of the Board of Directors on the
manajemen risiko yang dilakukan melalui : implementation of risk management through:
a. Rapat koordinasi dengan Komite Audit membahas temuan hasil pemeriksaan a. Coordination meetings with the Audit Committee to discuss the findings
Bank Indonesia dan progres tindak lanjut from BI’s audit and progress of the follow-up.
b. Pembahasan laporan pengawasan Dewan Komisaris setiap semester b. Discussion of BOC monitoring reports every semester.
5. Melakukan pemantauan dan mengevaluasi penetapan kebijakan dan Monitor and evaluate the policy and the implementation of risk philosophy, risk
pelaksanaan risk philosophy, risk appetite, serta risk tolerance atas setiap appetite, and risk tolerance on every product and services delivered by bank bjb
produk dan layanan bank bjb a. Review the overall risk management framework,
a. Melakukan kajian atas risk management framework secara keseluruhan, b. Conduct survey to branches/unit to find out the understanding of
b. Melakukan survey ke cabang/unit kerja untuk mengetahui pemahaman branches/unit towards risk management (risk culture and risk awareness).
cabang/unit kerja terhadap pentingnya manajemen risiko (risk culture dan
risk awareness).
6. Mengevaluasi, mengkaji dan memberikan rekomendasi atas rencana bisnis dan Evaluate, assess and provide recommendations on the business plan and the
rencana kerja sebelum mendapat persetujuan Dewan Komisaris, khususnya yang work plan prior to obtaining approval from the Board of Commissioners,
terkait dengan risiko-risiko yang akan dihadapi oleh Bank melalui telaahan draft particularly regarding the risks to be faced by the Bank through the analysis of
RBB tahun 2014 pada bulan Oktober 2013. the 2014 RBB draft in October 2013.
7. Mengevaluasi perkembangan portofolio pinjaman melalui koordinasi dengan Evaluating the development of a portfolio of loans in coordination with the
Komite Audit. Audit Committee.
8. Memantau restrukturisasi pinjaman, penghapusbukuan pinjaman dan recovery Monitor the loans restructuring, loans write-off and loans recovery in
pinjaman melalui koordinasi dengan Komite Audit coordination with the Audit Committee
9. Memonitor risiko bank wide yang dihadapi Bank dan memastikan bahwa Direksi Monitor bank-wide risks faced by the Bank and through discussion of the
telah melakukan mitigasi risiko-risiko tersebut melalui pembahasan profil risiko quarterly risk profile Ensure that the Board of Directors has mitigated the risks
triwulanan
10. Melakukan penelaahan atas pengelolaan manajemen risiko dan kepatuhan atas Reviewing the risk management and compliance with the prevailing law and
peraturan dan perundang-undangan yang berlaku bersama dengan manajemen, regulations together with the management, external auditors, the Internal
auditor eksternal, Divisi Audit Intern serta Satuan Kerja yang menjalankan fungsi Audit Division and Units running Risk Management function:
Manajemen Risiko a. Analyzing the risk profile and RCCR of the fourth quarter of 2012, in March
a. Telaah profil risiko dan RCCR triwulan IV tahun 2012, bulan Maret tahun of 2013
2013 b. Assessing the risk profile and RCCR of quarter I in 2012, in May 2013
b. Telaah profil risiko dan RCCR triwuan I tahun 2012, bulan Mei 2013 c. Assessing risk profile and RCCR of the second quarter of 2013, in August
c. Telaah profil risiko triwulan dan RCCR II tahun 2013, bulan Agustus 2013 2013
d. Telaah profil risiko triwulan III dan RCCR tahun 2013, bulan Oktober 2013 d. Assessing risk profile and RCCR of the third quarter of 2013, in October
2013

No Program Kegiatan KPR Tahun 2013 2013 RMC Activities Program
11. Mengkaji risk philosophy yang telah ditetapkan Bank dan memastikan bahwa Reviewing the Bank’s risk philosophy and ensuring that the risk philosophy
risk philosophy tersebut telah direfleksikan pada tiap kebijakan Bank dan was reflected in every policy of the Bank and socialized to all employees in
dikomunikasikan kepada seluruh Pegawai Bank sehingga dapat terbentuk order to build a conducive risk culture environment through:
budaya risiko (risk culture) yang kondusif melalui a. Discussion the strategy to determine the risk philosophy and risk culture
a. Pembahasan strategi penetapan risk philosophy dan risiko (risk culture) through the use of risk management consulting services
melalui penggunaan jasa konsultan manajemen risiko b. Discussion of the plan to survey branch office heads’ comprehension over
b. Pembahasan rencana survey pemahaman pimpinan cabang terhadap risiko the risks of the branch in October 2013
cabang bulan Oktober 2013
12. Memastikan bahwa Bank telah memiliki risk appetite dan risk tolerance serta Ensure that the Bank already has risk appetite and risk tolerance, and has been
telah dijabarkan ke dalam kebijakan pada tiap unit kerja, unit bisnis dan Bank translated into policies in each unit, business unit and the Bank in overall.
secara keseluruhan
13. Memberi masukan kepada Sekretariat Dewan Komisaris untuk penyusunan Provide input to the Secretariat of the Board of Commissioners for the
Introduction
laporan pengawasan Dewan Komisaris. preparation of the supervisory Board of Commissioners.
a. Laporan semester 2 tahun 2012, yang dilakukan pada bulan Februari 2013 a. Report of the 2nd half of 2012, which was conducted in February 2013
b. Laporan semester 1 tahun 2013, yang dilakukan pada bulan Juli 2013 b. Report of the 1st half of 2013, which was conducted in July 2013
14 Melakukan penelaahan atas draft RBB bjb tahun 2014 Reviewing the draft Business Plan 2014 bjb
a. Memberikan masukan kepada Dewan Komisaris dalam bentuk Economic a. Provide input to the Board of Commissioners in the form of the Economic
Outlook tahun 2014, Outlook 2014,
b. Mengkaji rancangan KUDT yang disampaikan Direksi kepada Dewan b. Reviewing the draft KUDT submitted to the Board of Commissioners,
Komisaris, c. Assessing RBB including amendments, particularly from the aspect of risk, to
c. Mengkaji RBB termasuk perubahannya, khususnya dari aspek risiko, untuk be submitted to the Board of Commissioners.
Performance
disampaikan kepada Dewan Komisaris.
15. Memutahirkan secara periodik Pedoman Kerja Komite Pemantau Risiko. Draft Working Guidelines periodically update the Risk Oversight Committee. Draft
Pedoman Kerja Komite Pemantau Risiko diselesaikan dan didiskusikan pada Guidelines for Risk Oversight Committee Work completed and discussed in
bulan November dan Desember 2013. November and December 2013.
Independensi Ketua dan Anggota Komite Independence of Head and Members of the Risk
Pemantau Risiko Monitoring Committee
Good Corporate
Ketua dan anggota KPR terdiri dari 3 (tiga) orang Komisaris Chairman and members RMC consists of 3 (three) Independent
Governance
Independen, dan 2 (dua) orang anggota independen. Commissioners, and 2 (two) independent member.
Mekanisme Kerja Work Mechanism

Komite Pemantau Risiko bekerja berdasarkan program kerja tahunan RMC work is based on the annual work program (attached), prepared
yang disusun dan disetujui Dewan Komisaris, diantaranya kegiatan and approved by the Board of Commissioners. Based on the Work
pemantauan risiko rutin bulanan, triwulanan, dan tahunan, serta Program, there is a routine risk monitoring activities monthly,
Corporate Social
Responsibility
kegiatan yang tidak ditetapkan waktu pelaksanaannya seperti quarterly, and yearly, as well as activities that are not in a specified
kegiatan peningkatan kapabilitas Ketua dan anggota KPR. time frame as the capabilities improvement activities of the Chairman
and the members of the RMC.
KPR melaksanakan rapat mingguan yang merupakan rapat internal RMC conducts weekly meetings which are RMC internal meetings,
KPR, rapat koordinasi dengan Divisi Manajemen Risiko, Komite Audit, coordination meetings with the division of risk management, audit
Consolidated
atau rapat gabungan dengan bagian lain sesuai program kerja dan committee or joint meeting with other units in accordance with work
kebutuhan. programs and as needed.
Rapat dan Kehadiran Anggota Komite Pemantau Meeting of Risk Monitoring Committee Members
Risiko and Attendance
Selama tahun 2013 telah dilaksanakan rapat dan pelaporan dari During the year 2013 as many as 29 (twenty nine) meetings and
Komite Remunerasi dan Nominasi sebanyak 29 (dua puluh sembilan) reporting of Remuneration and Nomination Committee.
Corporate Data
kali rapat.
Kehadiran Rapat Komite Pemantau Risiko

Risk Monitoring Committee Meeting Attendance
Jumlah Kehadiran
Total Attendance Persentase Kehadiran
Nama
Percentage Attendance
Name Periode 2013 (%)
2013 Period

Nurry Effendi 21 72%
Poppy Sofia Koeswayo 26 90%

Direksi sebagai organ Perseroan memiliki wewenang serta bertugas Board of Directors as a part of the Company has the authority and
dan bertanggung jawab secara kolegial dalam mengelola Bank. the duty and responsibility in colegially managing the Bank. In broad
Secara garis besar, masing-masing Direktur dapat melaksanakan outline, each Director may carry out tasks and formulate decisions in
tugas dan mengambil keputusan sesuai dengan pembagian tugas accordance with the division of duties and responsibilities. Directors
dan wewenangnya. Direksi bertanggung jawab terhadap pengelolaan are responsible for the management of the Bank in order to generate
Bank agar dapat menghasilkan keuntungan dan memastikan profits and ensure the sustainability of the Bank in accordance
kesinambungan usaha Bank sesuai dengan anggaran dasar dan with the Articles of Associations and statutes and regulations.
peraturan perundang-undangan. Fungsi pengelolaan perusahaan Management functions of the company by the Board of Directors
oleh Direksi mencakup 5 (lima) tugas utama yaitu kepengurusan, includes 5 (five) main tasks, they are management, risk management,
manajemen risiko, pengendalian intern, komunikasi, dan tanggung internal control, communications, and social responsibility.
jawab sosial.
Direksi bertanggung jawab kepada pemegang saham dalam Directors are responsible to shareholders in creating and delivering
menciptakan dan memberikan nilai tambah bagi pemegang saham. added value to shareholders. Directors must ensure that management
Direksi harus memastikan bahwa manajemen memiliki rencana kerja has a balanced long-term growth plan and short-term goals. Good
yang seimbang antara pertumbuhan jangka panjang dan tujuan management of Banks will be based on principles of transparency,
jangka pendek. Pengelolaan Bank yang baik akan berlandaskan accountability, responsibility, independence, and fairness in order to
pada prinsip transparansi, akuntabilitas, pertanggungjawaban, add value for shareholders and other parties associated with the Bank.
independensi, dan kewajaran dalam rangka memberi nilai tambah
bagi pemegang saham dan pihak-pihak lain yang terkait dengan
Bank.
Komposisi Direksi Board of Directors’ Composition

Berdasarkan Akta Nomor 130 tanggal 27 September 2012 Berita Based on Official Document Number 130 on September 27, 2012
Acara Rapat Umum Para Pemegang Saham Luar Biasa PT Bank of Official Report of Extraordinary General Meeting of Shareholders
Pembangunan Daerah Jawa Barat dan Banten,Tbk menetapkan of PT Bank Pembangunan Daerah Jawa Barat and Banten Tbk, it is
Susunan Direksi per 31 Desember 2013 sebagai berikut: determined the structure of Board of Directors December 31, 2013,
as follows:
Posisi Nama/Name Position
Direktur Utama Bien Subiantoro President Director
Direktur Arie Yulianto Director
Direktur Entis Kushendar* Director
Direktur Zaenal Aripin Director
Direktur Acu Kusnandar** Director
Direktur Djamal Muslim*** Director
* Semenjak diterimanya surat Bank Indonesia nomor 15/10/APBU/Bd/Rahasia pada * Upon receiving the Decision Letter of Bank Indonesia no. 15/10/APBU/Bd/Rahasia
tanggal 6 Februari 2013, tidak lagi efektif menjadi Direktur Perrseroan. pertaining to Fit and Proper Test on February 6, 2013, no longer hold the office of
** Semenjak diterimanya surat Bank Indonesia nomor 15/13/GBI/DPIP/Rahasia pada President Director.
tanggal 3 Juni 2013, tidak lagi efektif menjadi Direktur Perrseroan. ** Upon receiving the Decision Letter of Bank Indonesia no. 15/13/GBI/DPIP/Rahasia on
*** Menunggu Fit & Proper Test Bank Indonesia. June 3, 2013, no longer hold the office of President Director.
*** Waiting for Fit & Proper Test from Bank Indonesia.
Berdasarkan Surat Keputusan Direktur Utama PT Bank Pembangunan Based on the Directive of President Director of PT Bank Pembangunan
Daerah Jawa Barat dan Banten,Tbk., nomor 575/SK/DIR-CS/2012 Daerah Jawa Barat and Banten Tbk Number 575/SK/DIR-CS/2012
tanggal 4 Oktober 2012 tentang Penetapan Susunan Direksi on October 4, 2012 on the Determination of Members of Board of
mencabut Surat Keputusan Direksi PT Bank Pembangunan Daerah Directors Structure which revoke the Directive of Board of Directors
Jawa Barat dan Banten, Tbk. nomor 530/SK/BOD-CS/2011 tanggal PT PT Bank Pembangunan Daerah Jawa Barat and Banten Tbk
26 September 2011 tentang Penetapan Susunan Board of Directors, Number 530/SK/BOD-CS/2011 on September 26, 2011 about the
menetapkan susunan Direksi bank bjb sebagai berikut: Determination of the Structure of Board of Directors, it is determined
the Structure of Board of Directors of bank bjb as follows:

Posisi Nama/Name Position
Direktur Tresuri & Internasional Entis Kushendar* Managing Director – Treasury & International
Direktur Konsumer Arie Yulianto Managing Director – Consumer
Direktur Kepatuhan dan Manajemen Risiko Zaenal Aripin Managing Director – Compliance and Risk
Management
Direktur Komersial Acu Kusnandar** Managing Director – Commercial
Direktur Operasi Djamal Muslim*** Managing Director – Operation
* Semenjak diterimanya surat Bank Indonesia nomor 15/10/APBU/Bd/Rahasia pada * Since the receipt of Bank Indonesia 15/10/APBU/Bd/Rahasia number on February 6,
tanggal 6 Februari 2013, tidak lagi efektif menjadi Direktur Perrseroan. 2013, are no longer effective as Director Perrseroan.
Introduction
** Semenjak diterimanya surat Bank Indonesia nomor 15/13/GBI/DPIP/Rahasia pada ** Since the receipt of the number 15/13/GBI/DPIP/Rahasia Bank Indonesia on June 3,
tanggal 3 Juni 2013, tidak lagi efektif menjadi Direktur Perrseroan. 2013, are no longer effective as Director Perrseroan.
*** Menunggu Fit & Proper Test Bank Indonesia. *** Waiting Fit & Proper Test Bank Indonesia.
Hubungan Direksi dan Dewan Komisaris Relationship of the Board of Commissioners and
Directors
Secara umum, hubungan Direksi dengan Dewan Komisaris sesuai In general, the relationship of Directors with the Board of
Anggaran Dasar Bank dan Peraturan Perundang-undangan serta Commissioners shall be in accordance with the Bank’s Articles of
Performance
Peraturan Bank Indonesia yang berlaku, adalah: Associations and Rules and Regulations, and Regulation of Bank
a. Direksi dan Dewan Komisaris secara bersama-sama Indonesia, which are:
menandatangani dokumen Perusahaan, yaitu Rencana Korporasi, a. Directors and Board of Commissioners jointly signed the
Rencana Bisnis, dan Laporan Keuangan Tahunan Bank; documents the Company, which are Corporate Plan, Business
b. Transaksi yang berdiri sendiri ataupun yang Direksi bertanggung Plan and Annual Financial Statements of the Bank;
jawab untuk memastikan agar semua informasi mengenai Bank b. Stand-alone transaction or the transaction that the Board of
Good Corporate
Governance
secara tepat waktu dan lengkap disampaikan kepada Dewan Directors is responsible for, ensure that all information regarding
Komisaris; the Bank is submitted in a complete and timely manner to the
c. Direksi wajib memberikan akses atas informasi Bank secara tepat Board of Commissioners;
waktu dan lengkap kepada Dewan Komisaris; c. Directors are required to provide access to Bank information in a
d. Direksi wajib membebaskan para anggota Dewan Komisaris complete and timely manner to the Board of Commissioners;
untuk secara bersama-sama maupun sendiri setiap waktu dalam d. Board of Directors shall relieve the Board of Commissioners
Corporate Social
Responsibility
jam kerja Bank, berhak memasuki bangunan dan halaman atau to jointly or individually at any time in Bank’s working hours,
tempat lain yang dipergunakan atau yang dikuasai oleh Bank entitlement to enter the building and yard or other place used or
dan berhak memeriksa semua pembukuan, surat dan alat bukti occupied by the Bank and the right to inspect all books, letters
lainnya, persediaan barang, memeriksa dan mencocokkan and other evidence, the supply of goods , check and cash to
keadaan uang kas (untuk keperluan verifikasi) dan lain-lain surat match the state money (for verification purposes) and other
berharga serta berhak untuk mengetahui segala tindakan yang securities and are entitled to know all the actions performed by
dijalankan oleh Direksi; the Board of Directors;
Consolidated
e. Direksi dan tiap anggota Direksi wajib untuk memberikan e. Board of Directors and each member of the Board of Directors
penjelasan tentang segala hal yang ditanyakan oleh anggota is obliged to give explanations about all the things asked by
Dewan Komisaris; members of the Board of Commissioners;
f. Atas permintaan tertulis dari Dewan Komisaris, Direksi f. Upon written request of the Board of Commissioners, Board
memberikan keterangan hasil pemeriksaan atau hasil pelaksanaan of Directors provide information regarding the examination or
tugas Internal Audit; implementation result of Internal Audit work;
Corporate Data
g. Menyampaikan laporan keuangan bulanan sesuai permintaan g. Deliver the monthly financial report as requested by the Board of
Dewan Komisaris; Commissioners;
h. Menyampaikan surat permohonan persetujuan tambahan modal h. Submit a letter of application for approval of additional paid-in
disetor untuk mendapat persetujuan Dewan Komisaris; capital to get the approval of the Board of Commissioners;
i. Menyampaikan laporan pelaksanaan manajemen risiko dan i. Deliver the implementation of risk management report
laporan pelaksanaan tugas bidang kepatuhan kepada Dewan and the report in the field of compliance to the Board of
Komisaris; Commissioners;
j. Menyampaikan materi RUPS/RUPSLB untuk menjadi bahan j. Deliver the materials for AGMS/EGMS to be a joint decision and
keputusan bersama dan mendapat persetujuan Dewan Komisaris approved by the Board of Commissioners with the Directors;
dengan Direksi;
297
k. Jika dianggap perlu, Dewan Komisaris dapat meminta secara k. If deemed necessary, the Board of Commissioners may request
langsung informasi dari fungsi-fungsi manajemen terkait information directly from the management functions related
operasional Bank untuk melaksanakan fungsi pengawasan to Bank operations to carry out monitoring functions at the
dengan sepengetahuan Direksi; discretion of the Directors;
l. Direksi dan atau pejabat Bank lainnya wajib menghadiri undangan l. Directors and other Bank officials must attend the meeting of
rapat Dewan Komisaris dengan sepengetahuan Direksi; the Board of Commissioners at the discretion of the Board of
m. Direksi wajib memberikan akses atas informasi Bank kepada Directors;
Komite-komite yang membantu Dewan Komisaris dengan m. Directors are required to provide access to bank information to the
sebelumnya mengirimkan pemberitahuan terlebih dahulu Committees assisting the Board of Commissioners with advance
melalui Dewan Komisaris kepada Direksi; notice before sending through the Board of Commissioners to
n. Direksi dapat mengundang anggota Dewan Komisaris jika the Directors;
diperlukan pendapatnya dalam Rapat Direksi; n. Directors may invite members of the Board of Commissioners if
o. Risalah Rapat Direksi harus tersedia apabila diminta oleh anggota its opinion is needed in the Directors Meeting;
Dewan Komisaris; o. Minutes of the Board of Directors Meeting shall be made available
p. Direksi mempunyai hak dan wewenang untuk menetapkan if requested by the Board of Commissioners;
kebijaksanaan Perseroan berdasarkan persetujuan Dewan p. Board of Directors has the right and authority to set policy based
Komisaris dalam menjamin kepengurusan Perseroan, kecuali on the approval of the Company’s Board of Commissioners in
ditetapkan lain berdasarkan peraturan perundang-undangan; ensuring the management of the Company, unless stipulated
q. Direksi menetapkan susunan Organisasi dan tata kerja Perseroan otherwise by laws and regulations;
dengan persetujuan Dewan Komisaris; q. Directors establish the composition of the organization and
r. Direksi berdasarkan persetujuan tertulis Dewan Komisaris dengan working procedures of the Company with the approval of the
berpedoman kepada perundang-undangan yang berlaku dapat Board of Commissioners;
melakukan hal-hal sebagai berikut: r. Based on the written consent of the Board of Commissioners,
• Mengadakan kerja sama Bangun Guna Serah (Built, Operate, Directors, with reference to the applicable legislations, can do
and Transfer/BOT), Bangun Guna Milik (Built, Operate and the following:
Own/BOO) dan perjanjian-perjanjian lain yang mempunyai • Establish a Built, Operate, and Transfer (BOT) agreement,
sifat yang sama. Built, Operate, and Own (BOO) agreement, and other
• Mengambil bagian atau ikut serta dalam Perseroan/badan- agreements that have the same properties.
badan lain atau menyelenggarakan perusahaan baru yang • Take part or participate in the Company/other agencies or
tidak dalam rangka penyelamatan piutang, sesuai dengan organizing a new company that is not in order to rescue
ketentuan yang berlaku. receivable, in accordance with applicable regulations.
• Melepaskan sebagian atau seluruhnya penyertaan Perseroan • Waive some or all of the Company’s investments in companies
dalam perusahaan atau badan-badan lain. or other entities.
• Menggunakan cadangan untuk penghapusan kredit kepada • Use the reserve to the eliminate credit to related parties as
pihak terkait sebagaimana diatur dalam ketentuan Batas stipulated in the Legal Lending Limit (LLL) or the applicable
Maksimum Pemberian Kredit (BMPK) Umum atau peraturan legislations.
perundangan yang berlaku. • Erase the principal receivable on loans to related parties in
• Melakukan hapus tagih terhadap pokok kredit yang diberikan accordance with existing regulations.
kepada pihak terkait sesuai dengan peraturan perundangan
yang berlaku.
s. Transaksi yang terdiri sendiri ataupun yang berkaitan satu s. Stand alone transaction or transactions that are associated with
sama lain, yang terjadi dalam jangka waktu 1 (satu) tahun one another, which occurred within a period of 1 (one) year or
buku atau jangka waktu yang lebih lama sebagaimana diatur longer period as stipulated in the Articles of Association of the
dalam Anggaran Dasar Perseroan dapat dilakukan Direksi Company can be done by the Directors with the written approval
dengan persetujuan tertulis dari Dewan Komisaris, dengan of the Board of Commissioners, with due regard to legislation
memperhatikan peraturan perundang-undangan yang berlaku prevailing capital market regulation in particular;
khususnya peraturan Pasar Modal; t. In the event the Bank had a conflict of interest with the private
t. Dalam hal Bank mempunyai benturan kepentingan dengan interests of a member of the Board of Directors, the Company will
kepentingan pribadi seorang anggota Direksi, maka Perseroan be represented by other member of the Board of Directors and
akan diwakili oleh anggota Direksi lainnya dan dalam hal in the event the Company has an interest in that are contrary to
Perseroan mempunyai kepentingan yang bertentangan dengan the interests of all members of the Board of Directors, then in this
kepentingan seluruh anggota Direksi, maka dalam hal ini bank case the bank is represented by the Board of Commissioners;
diwakili oleh Dewan Komisaris;
298
u. Pengurusan Perseroan oleh Direksi pada umumnya, (baik u. Management of the Company by the Board of Directors in
mengenai Perseroan maupun usaha Perseroan dan memberikan general, (both regarding the Company and the Company’s
nasehat kepada Direksi) dijalankan dibawah pengawasan Dewan business and provide advice to the Board of Directors) runs under
Komisaris. the supervision of the Board of Commissioners.
Tugas Direksi Board of Directors’ Duties

Sesuai dengan Surat Keputusan Direksi nomor 519/SK/Dir-CS/2011 In accordance with the Decree Directors no. 519/SK/Dir-CS/2011
tanggal 20 September 2011, tugas direksi adalah sebagai berikut: dated September 20, 2011, the task of the directors are as follows:
1. Bertanggung jawab penuh atas pelaksanaan kepengurusan 1. Fully responsible for the implementation of the Bank’s
Bank. management board.
Introduction
2. Wajib mengelola Bank sesuai dengan kewenangan dan 2. Manage the Bank in accordance with the authority and
tanggung jawabnya sebagaimana diatur dalam Anggaran Dasar responsibilities as stipulated in the Articles of Associations and
dan peraturan perundang-undangan yang berlaku. applicable regulations.
3. Mengurus kekayaan Bank sesuai dengan peraturan perundang- 3. Taking care for the wealth of the Bank in accordance with
undangan yang berlaku.
applicable laws and regulations.

4. Wajib membuat dan melaksanakan Rencana Kerja Tahunan yang 4. Obliged to prepare and implement the Annual Work Plan to be
Performance
harus disampaikan kepada Dewan Komisaris. submitted to the Board of Commissioners.
5. Wajib menyerahkan laporan tahunan Bank kepada akuntan 5. Obliged to submit annual reports of the bank to certified public
publik yang ditunjuk oleh RUPS untuk diperiksa. accountant appointed by the GMS to be examined.
6. Wajib menerapkan manajemen risiko dan prinsip-prinsip 6. Required to apply risk management and the principles of Good
Good Corporate Governance dalam setiap kegiatan usaha Corporate Governance in any business activities of the Bank at
Bank pada seluruh tingkatan atau jenjang organisasi. Dalam all organisational levels or hierarchy. In the framework of the
Good Corporate
Governance
rangka pelaksanaan GCG, Direksi harus membentuk sekurang- implementation of GCG, Directors shall establish at least:
kurangnya: a. Unit of Internal Audit function, to assist the Board of
a. Satuan Kerja yang menjalankan fungsi Audit Internal, untuk Directors in the supervision of Bank operations in the
membantu Direksi dalam pengawasan operasional Bank entire organization of the Bank. Internal Audit Unit shall be
pada seluruh organisasi Bank. Satuan Kerja Audit Internal ini independent of the operational unit.
wajib independen terhadap satuan kerja operasional. b. Work units that perform the function of Risk Management
Corporate Social
b. Satuan kerja yang menjalankan fungsi Manajemen Risiko and Risk Management Committee to assist the Directors in
Responsibility
dan Komite Manajemen Risiko untuk membantu Direksi the implementation of risk management as stipulated in
dalam penerapan manajemen risiko sebagaimana diatur Bank Indonesia.
dalam Peraturan Bank Indonesia. c. Work units that perform the function of Compliance, to
c. Saturan Kerja yang menjalankan fungsi Kepatuhan, untuk assist the Directors in conducting legal, legislation and the
membantu Direksi dalam melakukan kepatuhan atas hukum, Regulation of Bank Indonesia compliance for the operations
perundang-undangan serta Peraturan Bank Indonesia atas related to the legal, regulatory and Bank Indonesia
Consolidated
operasional yang dimiliki terkait dengan hukum, perundang- Regulation.
undangan serta Peraturan Bank Indonesia. 7. Obliged to follow up on audit findings and recommendations of
7. Wajib menindaklanjuti temuan audit dan rekomendasi dari the Bank’s Internal Audit Unit, external auditors, the supervision
Satuan Kerja Audit Internal Bank, auditor eksternal, hasil of Bank Indonesia and/or other supervisory authority.
pengawasan Bank Indonesia dan/atau hasil pengawasan otoritas 8. Perform tasks that are specifically given by the Board of
lain. Commissioners and/or GMS.
Corporate Data
8. Melakukan tugas yang secara khusus diberikan oleh Dewan 9. Holds AGMS and EGMS preceded by GMS call.
Komisaris dan/atau RUPS. 10. Disclose to the Bank’s strategic policy personnel in the field of
9. Menyelenggarakan RUPS Tahunan dan RUPS Luar Biasa dengan personnel regarding strategic policies on personnels such as
didahului pemanggilan RUPS. wages, benefits, facilities, personnel recruitment, promotion
10. Wajib mengungkapkan kepada Pegawai kebijakan Bank system, including the Bank plans to conduct employee efficiency
yang bersifat strategis di bidang kepegawaian baik mengenai through the reduction of the Bank’s personnel and other strategic
pemberian gaji, tunjangan, fasilitas, sistem penerimaan pegawai, policy regarding personnels.
sistem promosi, termasuk rencana Bank untuk mengadakan
efisiensi melalui pengurangan pegawai maupun kebijakan
strategis Bank tentang kepegawaian lainnya.
299
11. 3 (tiga) bulan sebelum masa jabatan Direksi berakhir, Direksi 11. 3 (three) months before the term of office expires, Directors are
dilarang mengambil/menetapkan kebijakan yang bersifat prohibited from taking/ setting strategic policy.
strategis. 12. Provide data and information that are accurate, relevant, and in
12. Wajib menyediakan data dan informasi yang akurat, relevan, dan a timely manner to the Board of Commissioners.
tepat waktu kepada Dewan Komisaris. 13. Provide answers and explanations for everything that is asked by
13. Wajib memberikan jawaban dan penjelasan atas segala sesuatu the Board of Commissioners.
yang ditanyakan oleh Dewan Komisaris. 14. Ensure a smooth communication between the Bank and the
14. Harus memastikan kelancaran komunikasi antara Bank dengan stakeholders through the empowerment of the Corporate
pemangku kepentingan melalui pemberdayaan fungsi Sekretaris Secretary function.
Perusahaan. 15. Obliged to keep and maintain the Register of Shareholders and
15. Berkewajiban untuk menyimpan dan memelihara Daftar Special Register of Shareholders as well as possible.
Pemegang Saham dan Daftar Khusus sebaik-baiknya.
Tanggung Jawab Direksi (Board Charter) Directors Responsibilities (Board Charter)

Sesuai dengan Surat Keputusan Direksi nomor 519/SK/Dir-CS/2011 tanggal Pursuant to the BOD Decree No. 519/SK/Dir-CS/2011 dated
20 September 2011, tanggung jawab direksi adalah sebagai berikut: September 20, 2011, responsibilities of BOD are as follow:
1. Bertanggung jawab atas Laporan Keuangan. 1. Being responsible for the financial statements
2. Dalam penyelenggaraan tugas yang bersifat strategis untuk 2. In the implementation of strategic tasks for the benefit of
kepentingan maksud dan tujuan Bank, bertanggung jawab intents and purposes of the Bank, responsible collegial. Each
secara kolegial. Setiap anggota Direksi bertanggung jawab member of the Board of Directors is responsible for conducting
dalam menyelenggarakan kegiatan operasional dari keputusan the operational activities of the strategic decisions and other
yang bersifat strategis dan keputusan lainnya sesuai dengan decisions in accordance with the duties and responsibilities.
tugas dan wewenangnya. 3. Obliged to be held accountable for the implementations of
3. Wajib mempertanggungjawabkan pelaksanaan tugasnya kepada duties to the GMS.
RUPS. 4. In order to maintain the burners continuity of the Bank, BOD
4. Dalam rangka mempertahankan kesinambungan usaha Bank, must ensure compliance with the Bank’s social responsibility with
harus dapat memastikan dipenuhinya tanggung jawab sosial a clear written plan and focus in implementing the Bank’s social
Bank yaitu dengan adanya perencanaan tertulis yang jelas dan responsibility.
fokus dalam melaksanakan tanggung jawab sosial Bank. 5. Any decision taken is in accordance with the guidelines and
5. Segala keputusan yang diambil sesuai dengan pedoman dan regulations binding the work and the responsibility of the entire
tata tertib kerja mengikat dan menjadi tanggung jawab seluruh Board of Directors.
Direksi. 6. Responsible for the implementation of Business Ethics and
6. Bertanggung jawab atas penerapan Etika Usaha dan Tata Perilaku Corporate Conduct within the Company.
di lingkungan Perusahaan.
Pembagian Kerja Direksi Division of Duties Directors

Berdasarkan Surat Keputusan Direksi nomor 519/SK/DIR-CS/2011 Under the Directors Decree No. 519/SK/DIR-CS/2011 dated
tertanggal 20 September 2011 tentang Pedoman Kerja Direksi, September 20, 2011 on Work Guidelines of Directors, bank bjb
pembagian tugas Direksi bank bjb adalah sebagai berikut: Board of Directors division of tasks is as follows:
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 to be
dibicarakan dan disetujui oleh Dewan Komisaris atau RUPS sesuai discussed and approved by the Board of Commissioners or the GMS in
dengan ketentuan Anggaran Dasar Bank. 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 Bank. value and improve the performance and competitiveness of the 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 kegiatan of Directors, carry out development and control of all operations and
operasional dan pengelolaan Bank secara efektif dan efisien, dengan management of the Bank effectively and efficiently, taking into account
memperhatikan asas keseimbangan dan keserasian serta memastikan the principle of balance and harmony and ensure compliance with Bank
kepatuhan terhadap Peraturan Bank Indonesia dan peraturan Indonesia regulations and legislation in force.
perundang-undangan yang berlaku.
300 Kriteria ARA No. VI.3.1, VI.3.5

Tugas Duties
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 efektif 1. Responsible for the implementation of the management of the Bank
dan efisien. effectively and efficiently.
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.
Introduction
Direktur Bidang Operasional
Director in charge 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-bidang performance of duties of the areas under its responsibility effectively and

yang berada dibawah tanggung jawabnya agar efektif dan efisien efficiently by prioritizing the balance principle.
Performance
dengan mengutamakan asas keseimbangan.
2. Mengembangkan program efisiensi, efektivitas, dan manajemen mutu 2. Develop a program of efficiency, effectivity, and quality management of
dari produk-produk Bank, serta memastikan dilaksanakannya secara Bank products, and consistently enforce it within their respective work
konsisten di lingkungan unit kerja masing-masing. 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 bawahnya 4. Monitor the quality of the work and performance of the entire area
Good Corporate
agar Rencana Bisnis yang telah ditetapkan dapat tercapai. under it, making sure that the Business Plan which has been set can be
Governance
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. application of the principles of GCG in their fields.

1. Memastikan berjalannya prinsip kehati-hatian dan kepatuhan terhadap 1. Ensure the course of the precautionary principle and compliance with
Peraturan Bank Indonesia, Peraturan Perundang-undangan dan Bank Indonesia regulations, legislation and other applicable Internal
Corporate Social
Responsibility
Peraturan Internal Bank lainnya yang berlaku. regulations.
2. Memastikan informasi yang terkait dengan bidang-bidang di bawahnya 2. Ensure all information related to the areas in its field are always available
selalu tersedia untuk Dewan Komisaris dan Bank Indonesia. for the Board of Commissioners and Bank Indonesia.
Direktur Kepatuhan dan Manajemen Risiko

Compliance and Risk Management Director
Tugas Duties
Consolidated
1. Mengkoordinasikan, mengendalikan, mengembangkan, membina, 1. Coordinate, control, develop, build, manage and evaluate the
mengelola serta mengevaluasi pelaksanaan tugas operasional dari implementation of the operational duties of its supporting fields..
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 Dewan Monitoring Committee either on its own initiative or at the request of
Komisaris dalam rangka pengendalian, pengembangan, pembinaan the Board of Commissioners in order to control, develop, guide and
dan pengawasan operasional Bank, khususnya yang terkait dengan supervise bank operations, particularly in regards to risk management.
manajemen risiko.
Corporate Data
3. Melakukan pemantauan unsur kepatuhan dan pengendalian risiko 3. To monitor compliance and risk control element of the entire unit of the
terhadap seluruh satuan kerja Bank. Bank.
4. Memonitor kualitas hasil kerja dan kinerja seluruh bidang di bawahnya 4. Monitor the quality of work and performance of the entire area
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 responsibilities of each semester and report violations in finance and
pelanggaran di bidang keuangan dan perbankan maupun keadaan yang banking as well as circumstances that may endanger the continuity of
membahayakan kelangsungan Bank. the Bank. .
6. Memantau pelaksanaan prinsip kehati-hatian dan mengantisipasi risiko 6. Monitor the implementation of the precautionary principles and
serta pelaksanaan GCG melalui Rapat Direksi, Rapat Komite Pemantau anticipate the risks and the implementation of GCG through the Board
Risiko ataupun Rapat Komite Manajemen Risiko terutama pada of Directors Meeting, the Risk Monitoring Committee Meeting or
ketentuan KPMM, BMPK, KAP, PPAP, Transaksi Valas/PDN. Meeting of the Risk Management Committee, especially in terms of
CAR, LLL, KAP, PPAP, Forex transactions/ NOP.
301
Tugas Duties
7. Memberi masukan kepada Direksi mengenai Peraturan Bank Indonesia 7. Advise the Board of Directors on Bank Indonesia Regulation and
dan perundang-undangan yang berlaku agar keputusan yang diambil legislation applicable to the decisions taken avoiding conflicts with these
tidak bertentangan dengan ketentuan tersebut. provisions.
8. Mengkaji rancangan keputusan sehingga tidak mengandung unsur 8. Review the draft decision ensuring it does not contain an element
penyimpangan terhadap Peraturan Bank Indonesia maupun peraturan of inconsistency with the Bank Indonesia Regulation and legislation
perundang-undangan yang berlaku serta Anggaran Dasar Bank. applicable and Articles of Association of Banks.
9. Mengevaluasi dan menyetujui rencana kerja dari masing-masing bidang 9. Evaluate and approve the work plans of each of its supporting fields
di bawahnya untuk memastikan bahwa Bank telah menerapkan prinsip to ensure that the Bank has applied the precautionary principles, the
kehati-hatian, penerapan manajemen risiko serta memenuhi seluruh application of risk management as well as meeting all Bank Indonesia
Peraturan Bank Indonesia, peraturan perundang-undangan serta Regulation, legislation and other applicable internal regulations.
peraturan internal lainnya yang berlaku.
10. Mensosialisasikan Peraturan Bank Indonesia, peraturan perundang- 10. Socializes Bank Indonesia Regulations, the latest legislations to relevant
undangan terbaru kepada pihak-pihak terkait. 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 Director
tersebut disampaikan secara terbuka kepada Direktur Yang 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 element of
Direktur yang Membawahkan Fungsi Kepatuhan mengandung unsur Compliance function that is considered a breach is strictly adhered to or
pelanggaran benar-benar dipatuhi untuk tidak dilaksanakan oleh forum not carried by the official decision maker or forum;
atau pejabat pembuat keputusan;
3. Memastikan bahwa Bank telah memenuhi seluruh peraturan Bank 3. Ensure that the Bank has fulfilled all Bank Indonesia regulations, other
Indonesia, peraturan Perundang-undangan lainnya dan Kebijakan Intern legislations and Internal Bank Policy applicable in order to ensure
Bank yang berlaku dalam rangka menjamin kepatuhan terhadap hukum compliance with laws and principles of prudence;
dan prinsip kehati-hatian;
4. Memastikan Good Corporate Governance telah dilaksanakan; 4. Ensuring GCG have been implemented;
5. Memastikan penerapan prinsip mengenal nasabah telah dilaksanakan; 5. Ensure the application of Know Your Customer principles have been
implemented;
6. Memastikan Manajemen Risiko Kepatuhan telah dilaksanakan. 6. Ensuring Compliance Risk management has been implemented.
Evaluasi Kinerja Direksi Directors Performance Evaluation

Penilaian kinerja anggota Direksi dilakukan oleh Rapat Dewan Performance appraisal of Directors performance is conducted by the
Komisaris dan/atau sistem lain yang ditetapkan oleh pemegang Board of Commissioners Meeting and/or other system determined
saham. by the shareholders.
Penilaian kinerja Direksi dirumuskan oleh Komite Remunerasi dan Assessment of the performance of Directors formulated by the
Nominasi serta ditetapkan oleh Dewan Komisaris setelah didiskusikan Remuneration and Nomination Committee and established by the
dengan Direksi, sekurang-kurangnya meliputi: Board of Commissioners after discussion with the Board of Directors,
a. Kinerja Direksi secara kolegial terhadap pencapaian target Bank include at least:
sesuai dengan Rencana Korporasi dan Rencana Bisnis. a. Board of Directors collegial performance to the achievement
b. Pelaksanaan prinsip-prinsip GCG baik secara individual maupun of Bank target in accordance with Corporate Plan and Business
kolegial. Plan.
b. Implementation of the principles of GCG both individually and
collegially.
Dewan Komisaris dapat menilai kinerja anggota Direksi menurut Board of Commissioners may assess the performance of the Board of
faktor lainnya, antara lain: Directors according to other factors, among others:
a. Pencapaian target dan anggaran yang telah ditetapkan pada a. Achievement of targets and the budget which has been set at
awal tahun anggaran. the beginning of the fiscal year.
b. Integritas, misalnya benturan kepentingan muncul. b. Integrity, such as arising of conflicts of interest.
c. Pengetahuan dan pemahaman anggota Direksi atas nilai- c. Knowledge and understanding of members of the Board of
nilai, misi, rencana strategis serta rencana usaha Bank, dan Directors for the values, mission, strategic plan and business
merefleksikan pemahaman ini kepada isu-isu penting sepanjang plan of the Bank, and reflect this understanding to the important
tahun. issues throughout the year.
302 Kriteria ARA No. VI.4.1,2,3

d. Partisipasi Direksi dalam rapat-rapat termasuk kemampuan untuk d. Participation in meetings of the Board of Directors, including the
menyampaikan, memberikan argumentasi dan memberikan ability to communicate, argue and provide solutions on strategic
solusi mengenai isu-isu strategis Bank. issues of the Bank.
e. Kemampuan Direksi dalam mengikuti isu-isu dan trend yang e. Ability of the Board of Directors in the following of issues and
berpengaruh terhadap Bank, dan menggunakan informasi trends affecting the Bank, and use that information to assess and
tersebut untuk menilai dan mengarahkan kinerja Bank, bukan direct the performance of the Bank, not only from year to year,
hanya dari tahun ke tahun, akan tetapi juga dalam jangka but also in the long run.
panjang. f. Relationships with fellow members of the Board of Directors,
f. Hubungan anggota Direksi dengan sesama anggota Direksi, with the Board of Commissioners and other parties set forth in
dengan Dewan Komisaris dan pihak-pihak lain yang diatur the Articles of Association, Rules and Regulations, and Regulation
Introduction
dalam Anggaran Dasar dan Peraturan Perundang-undangan of Bank Indonesia.
serta Peraturan Bank Indonesia yang berlaku. g. Observance of Directors in implementing the Articles of
g. Ketaatan Direksi dalam melaksanakan Anggaran Dasar, Peraturan Associations, applicable legislation regulations, the provisions
perundang-undangan yang berlaku, ketetapan RUPS, ketetapan of the GMS, the Board of Commissioners statutes, and Bank
Dewan Komisaris, dan Peraturan Bank Indonesia. Indonesia Regulation.
Performance
Rapat Direksi Directors Meeting
Direksi menyelenggarakan rapat sekurang-kurangnya setiap bulan Board of Directors held a meeting at least once every month or at
sekali atau pada setiap waktu bilamana dianggap perlu oleh salah any time if deemed necessary by one or more members of the Board
satu atau lebih anggota Direksi atau atas permintaan tertulis of Directors or upon written request of one or more members of
dari seorang atau lebih anggota Dewan Komisaris. Mekanisme the Board of Commissioners. Decision-making mechanisms at the
pengambilan keputusan dalam rapat Direksi berdasarkan atas meeting of Directors is based on deliberation to reach a consensus.
Good Corporate
Governance
musyawarah untuk mufakat. Apabila mufakat tidak dapat tercapai, If consensus can not be reached, the decision-making is based on
pengambilan keputusan didasarkan pada suara mayoritas anggota majority vote of the Directors that are present or represented at the
Direksi yang hadir atau yang mewakili pada rapat. Apabila jumlah meeting. If the number of votes is equal, the chairman of the board
suara berimbang, maka ketua rapat direksi yang akan menentukan. meeting will then decide. The quorum for all meetings of Directors
Kuorum untuk seluruh rapat Direksi adalah lebih dari separuh jumlah is more than half of the Directors are present or represented by the
anggota Direksi yang hadir atau diwakili kuasa yang diberikan kepada power given to one member of the Board of Directors present at
Corporate Social
salah satu anggota Direksi yang hadir pada rapat tersebut. such meeting.
Responsibility
Tabel Kehadiran Direksi Dalam Rapat
Table of Attendance of the Board of Commissioners
Meeting
Selama periode 2013 telah melaksanakan rapat Direksi sebanyak 33 During the period 2013 meeting of the Board of Directors has
kali dengan rincian kehadiran sebagai berikut: implemented a total of 33 times with the details of attendance are
as follows: Consolidated
Jumlah Prosentase
Nama Name
Total Prosentase
Bien Subiantoro 29 87% Bien Subiantoro
Zaenal Aripin 26 78% Zaenal Aripin
Entis Kushendar* - - Entis Kushendar*
Corporate Data
Arie Yulianto 32 96% Arie Yulianto

Acu Kusnandar** 31 93% Acu Kusnandar**
Djamal Muslim*** 19 54% Djamal Muslim***
* Semenjak diterimanya surat Bank Indonesia nomor 15/10/APBU/Bd/Rahasia pada * Since the receipt of Bank Indonesia 15/10/APBU/Bd/Rahasia number on February 6,
tanggal 6 Februari 2013, tidak lagi efektif menjadi Direktur Perrseroan. 2013, are no longer effective as Director Perrseroan.
** Semenjak diterimanya surat Bank Indonesia nomor 15/13/GBI/DPIP/Rahasia pada ** Since the receipt of the letter Bank Indonesia 15/13/GBI/DPIP/Rahasia number on
tanggal 6 Februari 2013, tidak lagi efektif menjadi Direktur Perrseroan. February 6, 2013, are no longer effective as Director Perrseroan.
*** Menunggu Fit & Proper Test Bank Indonesia. *** Waiting Fit & Proper Test Bank Indonesia.

Hubungan Afiliasi Direksi Board of Directors Affiliate Relationship

Seluruh anggota Direksi tidak memiliki hubungan afiliasi dengan All members of the Board of Directors does not have an affiliate
sesama anggota Direksi, dengan anggota Dewan Komisaris, maupun relationship with other members of the Board of Directors, the
dengan Pemegang Saham Utama dan/atau Pengendali. members of the Board of Commissioners, as well as the Major
Shareholder an /or Controller.
Program Pelatihan Peningkatan Kompetensi Board of Directors’ Competency Training

Direksi
Demi meningkatkan wawasan dan pengetahuan terkait dengan In order to enhance insight and knowledge related to the functions
fungsi dan tugasnya, selama tahun 2013 Direksi Perseroan telah and duties, during the year 2013 the Board of Directors have attended
mengikuti beragam program pelatihan dan pengembangan sebagai various training and development program as follows:
berikut:
Program Pelatihan Peningkatan Kompetensi Direksi Tahun 2013

Competence Enhancement Training Program for Board of Directors in 2013
Nama Program Pelatihan Tanggal Mulai Tanggal Selesai
Lokasi/Location
Name Training Program Start Date Finish Date
Two Days Conference bank bjb Consumer
Jakarta 22/08/13 23/08/13
Bien Subiantoro Banking
Executive International Conference London-Inggris 30/09/13 01/10/13
Djamal Muslim Jakarta 22/08/13 23/08/13
Banking
Pelatihan Seminar Peran LPS dalam
Jakarta 02/10/13 02/10/13
Penyelamatan Bank Gagal
Seminar Strategi E-Banking Untuk
Jakarta 17/10/13 17/10/13
Meningkatkan Profitabilitas Perbankan
Seminar Internasional Literasi Keuangan Bali 02/12/2013 03/12/2013
Zaenal Aripin Seminar Corporate Risk Evaluation Singapore 29/01/2013 31/01/2013
Seminar Jaminan Kesehatan Karyawan Yogyakarta 29/05/2013 30/05/2013
Design and Conduct Performance Appraisal Malaysia 10/06/2013 11/06/2013

Jakarta 22/08/13 23/08/13
Banking
Seminar Penerapan Program APU PPT &
Jakarta 19/09/13 19/09/13
Implementasi FATCA
Third Party Compliance Course Hong Kong 13/11/13 14/11/13
Arie Yulianto Jakarta 22/08/13 23/08/13
Banking
Stress Testing, Counterparty Credit Risk, dan
Honolulu, Hawaii 09/12/2013 10/12/2013
Capital Adequancy Boot Camp
Pengungkapan Prosedur Penetapan Remunerasi Disclosing the Procedure for Determining

dan Struktur Remunerasi Remuneration and Structure of Remuneration
Pemberian remunerasi bagi anggota Dewan Komisaris dan Direksi Remuneration for members of the Board is calculated based on a
dihitung berdasarkan formula yang ditetapkan oleh RUPS. Setiap formula set by the GMS. Each member of the Board of Commissioners
anggota Komisaris dan Direksi berhak menerima sejumlah kompensasi and Board of Directors is entitled to receive some compensation which
yang diberikan secara bulanan. Dewan Komisaris dan Direksi berhak is given on a monthly basis. Board of Commissioners and Directors
mendapatkan tantiem berdasarkan kinerja dan pencapaian perusahaan are entitled to a bonus based on performance and achievement
dengan besaran yang ditentukan dalam RUPS. Dewan Komisaris of the company by the amount specified in the GMS. Board of
dan Direksi juga berhak mendapatkan tunjangan pada saat mereka Commissioners and Directors are also entitled to benefits when they
telah tidak lagi menjabat sebagai Dewan Komisaris ataupun Direksi. have no longer serve as a Board of Commissioners or Board of Directors.
304 Kriteria ARA No. VI.3.4, 5.1, 7

Prosedur standar penetapan remunerasi Dewan Komisaris dan Direksi Determination of the remuneration standard procedures the for the
ditetapkan sebagai berikut: Board of Commissioners and Directors shall be as follows:
a. Dewan Komisaris meminta Komite Nominasi dan Remunerasi a. Board of Commissioners request the Nomination and
untuk menyusun rancangan usulan remunerasi. Remuneration Committee to draft the proposed remuneration.
b. Komite Nominasi dan Remunerasi meminta pihak independen b. Nomination and Remuneration Committee request an
untuk menyusun rancangan remunerasi. independent party to draft the remuneration.
c. Komite Nominasi dan Remunerasi mengusulkan kepada Dewan c. Nomination and Remuneration Committee proposes to the
Komisaris mengenai remunerasi. Board of Commissioners regarding the remuneration.
d. Dewan Komisaris mengusulkan remunerasi bagi anggota Dewan d. Board of Commissioners propose remuneration for the members
Komisaris dan Direksi kepada RUPS. of the Board of Commissioners and Directors to the GMS.
Introduction
e. RUPS menetapkan remunerasi bagi anggota Dewan Komisaris e. GMS set the remuneration for members of the Board of
dan Direksi. Commissioners and Directors.
Struktur remunerasi sesuai dengan ketentuan Peraturan Bank The structure of remuneration pursuant to PBI No 8/4/PBI/2006 on
Indonesia Nomor 8/4/PBI/2006 Tentang Pelaksanaan Good Corporate the Implementation of Good Corporate Governance for Commercial
Governance bagi Bank Umum pasal 46 bahwa untuk pengurus Bank Article 46 stated that for the Management the recommended
Performance
direkomendasikan kebijakan remunerasi paling kurang sesuai remuneration policy at least should be in accordance with:
dengan: a. Financial performance and fulfilment of reserves in compliance
a. kinerja keuangan dan pemenuhan cadangan sebagaimana diatur with the prevailing rules;
dalam peraturan perundang-undangan yang berlaku; b. individual achievement;
b. prestasi kerja individual; c. Fairness within peer group; and
c. kewajaran dengan peer group; dan d. By considering the Bank’s target and long term strategy.
Good Corporate
Governance
d. pertimbangan sasaran dan strategi jangka panjang Bank.
Remunerasi Direksi Remuneration of Directors

Jumlah Diterima dalam 1 Tahun
Number of Received in 1 Year
Jenis Remunerasi dan Fasilitas Lain
No.
Type Remuneration and Other Facilities
Direksi
Corporate Social
Responsibility
Board of Directors
Orang/Person Jutaan/MiIlion Rupiah

1. Remunerasi/Remuneration
a. Imbalan Kerja (Gaji) Tahun 2013/2013 Employee Benefits (Salary)
Januari-Februari/January-February 6 1.832
Maret-Juni/March-June 5 3.146
Consolidated
Juli-Desember/July-December 4 3.973
b. THR 4 531
c. IPK 6 1.534
d. Tantiem/Tantiem (Dihitung dari laba yang diperoleh/Calculated 6 32.131
from the profits derived)
f. Penghargaan/Appreciation 1 2.378
Corporate Data
g. Bekal Cuti/Leave Provisions 6 650

Total 46.175
2. Fasilitas lain dalam bentuk natura/Other facilities in kind
a. Dapat dimiliki/Be Owned
Pakaian Dinas/Uniform 4 110
TBR 5 630
Total 740
Jumlah 46.915

Anggota Dewan Komisaris dan Direksi yang menerima paket Members of the Board of Commissioners and Directors who receive
remunerasi dalam satu tahun yang dikelompokkan dalam kisaran remuneration packages that are grouped in a single year in the
tingkat penghasilan, sebagai berikut: (satuan orang) range of income levels, as follows: (unit of person).
(satuan orang) (unit of person)
Jumlah Remunerasi Jumlah Direksi Jumlah Komisaris Total Remuneration

per orang dalam 1 tahun *) Total Directors Total Commissioner each person in year ended *)
Di atas Rp2 miliar 6 5 above Rp2 billion
Di atas Rp1 miliar s.d. Rp2 miliar - 1 above Rp1 bilion - Rp2 billion
Di atas Rp500 juta s.d. Rp1 miliar - - above Rp500 milion - Rp1 billion
Rp500 juta ke bawah - - less than Rp500 million
*) Dinilai dalam ekuivalen rupiah / in rupiah equivalent *) Assessed in equivalent dollars/in dollars equivalent
Rasio Gaji Tertinggi dan Terendah Ratio of Highest and Lowest Salaries
Rasio gaji tertinggi dan terendah, dalam skala perbandingan sebagai The ratio of the highest and lowest salaries, in comparison scale as
berikut: follows:
Rasio/Ratio
Keterangan Tertinggi Terendah Description
No.
dalam juta Rupiah Highest Lower Tertinggi Terendah in million Rupiah
Highest Lowest
1 Rasio Gaji Pegawai yang Employee Salary Ratio Highest

50.000 2.800 17,857 1,00
Tertinggi dan Terendah 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 1,25 1,00
Tertinggi dan Terendah Lowest Commissioners
4 Rasio Gaji Direksi Tertinggi Ratio Highest Directors and

130.000 50.000 3,01 1,00
dan Pegawai Tertinggi Employees
306
Rapat Dewan Komisaris bersama Direksi 2013 2013 Meeting Board of Commissioners with Board
of Directors
Rapat Dewan Komisaris bersama dengan Direksi pada tahun 2013 Joint meeting of the Board of Commissioners and the Board of
diadakan sebanyak 24 kali sebagai berikut: Directors in 2013 are held 24 times as follows:
Jumlah Kehadiran
Total Attendance
Nama Jabatan Persentase
Name Position Periode (%)
2013
Period
Introduction
Dewan Komisaris/Board of Commissioners
Komisaris Utama
Agus Ruswendi* 3 12%
President Commissioner
Komisaris
Muhadi 10 41%
Commissioner
Performance
Good Corporate
Direksi/Board of Directors
Governance
Direktur Utama
Bien Subiantoro 8 33%
President Director
Direktur Kepatuhan dan Manajemen Risiko
Zaenal Aripin Managing Director – Compliance and Risk 14 58%
Management
Direktur Konsumer
Arie Yulianto 9 37%
Corporate Social
Managing Director – Consumer
Responsibility
Direktur Operasi
Djamal Muslim** 7 29%
Managing Director – Operation
Direktur Komersial
Acu Kusnandar*** 7 29%
Managing Director – Commercial
* Semenjak diterimanya surat keputusan Fit and Proper Test Bank Indonesia nomor 15/10/ * Since the receipt of the decision of the Fit and Proper Test Bank Indonesia
APBU/Bd/Rahasia pada tanggal 6 Februari 2013, tidak lagi efektif menjadi Komisaris 15/10/APBU/Bd/Rahasia number on February 6, 2013, no longer effectively be
Utama. Commissioner.
** Menunggu Fit & Proper Test Bank Indonesia. ** Waiting Fit & Proper Test Bank Indonesia.
Consolidated
*** Semenjak diterimanya surat Bank Indonesia nomor 15/13/GBI/DPIP/Rahasia pada tanggal 6 *** Since the receipt of the letter Bank Indonesia 15/13/GBI/DPIP/Rahasia number on
Februari 2013, tidak lagi efektif menjadi Direktur Perrseroan. February 6, 2013, are no longer effective as Director Perrseroan. Corporate Data
Kriteria ARA No. VI. 3.3 307

Komite Dibawah Koordinasi Direksi Komite Dibawah Koordinasi Direksi
Komite Direksi Directors Committees

Saat ini, Direksi bank bjb dibantu oleh beberapa Komite Eksekutif Currently, bank bjb’s Board of Directors is assisted by several Executive
dalam menjalankan tugasnya, yaitu: Committees in performing its duties, namely:
Komite Manajemen Risiko Risk Management Committee

Pembentukan Komite Manajemen Risiko telah disahkan melalui Establishment of the Risk Management Committee has been ratified by
Surat Keputusan Direksi PT Bank Pembangunan Daerah Jawa Barat the Decree of Directors of PT Bank Pembangunan Daerah Jawa Barat
dan Banten Tbk nomor 580/SK-DIR/MR/2011 tentang Pembentukan dan Banten Tbk no. 580/SK-DIR/MR/2011 on bank bjb’s ALCO, CPC,
Anggota Susunan Tim ALCO, CPC, dan RMC bank bjb. and RMC Team Member Structure Formation dated October 13, 2011.
Adapun Susunan Anggota Komite Manajemen Risiko bank bjb The composition of the Risk Management Committee Member of
adalah sebagai berikut: bank bjb is as follows:
Posisi Position
Ketua Direktur Utama Chairman
President Director
Wakil Ketua Direktur Kepatuhan dan Manajemen Risiko Vice
Managing Director – Compliance and Risk Management
Sekretaris Pemimpin Divisi Manajemen Risiko Secretary
Head of Risk Management Division
Anggota Permanen: Permanent Member:

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 Keuangan dan Akuntansi 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 Member:

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 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
11. Pemimpin Divisi Change Management Office 11. Head of Change Management Office Division
12. Pemimpin Divisi Pendidikan & Pelatihan 12. Head of Learning & Training Division
13. Pemimpin Divisi Manajemen Anak Perusahaan 13. Head of Subsidiary Management Division
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 Kredit 19. Unit Rescue and Credit Settlement
308
DEWAN KOMISARIS
Komite Manajemen
risiko dIREKSI
Risk Management Board of Directors
Committee
Direktur
kepatuhan &
Introduction
manajemen risiko
Director of Compliance
& Risk Management
Pengawasan
• Memantau batas/kebijakan risiko
divisi Manajemen divisi Kepatuhan &
• Mempersiapkan laporan kelebihan batas risiko
Performance
risiko Hukum
Risk Management • Monitor the limit/policy risk Compliance & Legal
Division • Prepare reports of excess risk limit Division
Operasional
Good Corporate
Unit Bisnis Kredit Unit Bisnis Tresuri & Likuiditas Unit Bisnis mengelola
Governance
Risiko kredit Risiko Pasar & Likuiditas Risiko atas kegiatan harian
Business Credit Unit Business Treasury & Liquidity Unit Daily 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
Corporate Social
Responsibility
masing-masing
• Division in Head Office, Group Unit in Regional Office and Branch Office – Risk Operations Monitoring
• Every Division in Head Office/Group Unit in Regional and Branch Office are responsible for managing risks in each Division/Region/Branch
Struktur Komite Manajemen Risiko Structure of Risk Management Committee

Struktur organisasi menjelaskan kegiatan usaha Bank dan telah Organization structure explains Bank business activities and has
Consolidated
menetapkan jalur pelaporan dan fungsi yang jelas dari satuan determined the path of reporting and a clear function of operational
kerja operasional kepada satuan kerja yang melaksanakan fungsi task force to task force in charge of conducting internal control. The
pengendalian intern. Ruang lingkup pengendalian intern yang divisions which do not have roles on the decision making are Division
tidak termasuk dalam fungsi pengambil keputusan adalah Divisi of Compliance and Legal, Internal Audit Division and Risk Management
Kepatuhan dan Hukum, Divisi Audit internal serta Divisi Manajemen Division, whose taks and function are not to take a decision at the
Risiko dimana tugas dan fungsinya tidak mengambil keputusan Bank business activities.
pada kegiatan usaha Bank.
Corporate Data
Tugas pokok Komite Manajemen Risiko berdasarkan Surat Keputusan The main tasks of the Risk Management Committee is based on the
Direksi tersebut diatas sekurang-kurangnya meliputi: above-mentioned Decree of the Board of Directors and shall at least
1. Penyusunan kebijakan manajemen risiko serta perubahannya, include:
termasuk strategi manajemen risiko dan contingency plan 1. Composing risk management policies and their changes,
dalam kondisi eksternal tidak normal terjadi; including strategy of risk management and contingency plan
2. Perbaikan dan penyempurnaan penerapan Manajemen Risiko for extraordinary external condition;
yang dilakukan secara berkala maupun insidentil sebagai akibat 2. Improving and perfecting the implementation of Risk
dari suatu perubahan kondisi eksternal dan internal Bank yang Management which are conducted gradually and incidentally
mempengaruhi kecukupan permodalan dan profil risiko Bank as a result of a change of external condition and internal
dan hasil evaluasi terhadap efektivitas penerapan tersebut; Bank that affect the capital adequacy, type of risk faced by
Bank and the result of evaluation on the effectiveness of the
implementation;
309
3. Penetapan (justification) atas hal-hal yang terkait dengan 3. Justification of things linked with business decisions breaching
keputusan-keputusan bisnis yang menyimpang dari prosedur from procedures (irregularities), such as the decision which lead
normal (irregularities), seperti keputusan pelampauan ekspansi to expansion of Bank business significantly exceeding the limit
usaha yang signifikan dibandingkan dengan rencana bisnis Bank initially determined, or to take risk at level more than the limit
yang telah ditetapkan sebelumnya atau pengambilan posisi/ determined previously;
eksposur risiko yang melampaui limit yang telah ditetapkan; 4. Determining change of materials stipulated at policies and
4. Menetapkan perubahan materi yang terdapat pada kebijakan procedures for applying risk management;
dan prosedur penerapan manajemen risiko; 5. Carrying out evaluation on the implementation of models in
5. Melakukan evaluasi terhadap penerapan model-model measuring bank risks;
pengukuran risiko bank; 6. Ensuring the implementation of supervision of risk management
6. Memastikan dilakukannya pengawasan risiko melalui by establishing the limit of acceptable risks and allocation of
penetapan toleransi atau limit risiko yang dapat diterima serta capital linked with reserve of risks from all of bank operational
alokasi modal terkait cadangan risiko untuk seluruh kegiatan activities;
operasional bank; 7. Coordinating and supervising all risk management strategies;
7. Mengkoordinasikan dan memantau seluruh strategi manajemen 8. Approving risk management strategies which have been
risiko; beyond the authorities of chief of operational task force unit;
8. Menyetujui strategi manajemen risiko yang melampaui 9. Overvaluing whole the risk composition on bank portfolio;
kewenangan pimpinan satuan kerja operasional;
9. Menilai keseluruhan komposisi risiko dalam portofolio bank; 10. Studying the proposal about products and new activities, bank
10. Mengkaji proposal mengenai produk dan aktivitas baru dan capability to promote the product and the new activities;
menilai kemampuan bank untuk melaksanakan produk dan 11. Evaluating on the composing of contingency plant in worst
aktivitas baru tersebut; case scenario;
11. Melakukan evaluasi terhadap penyusunan contingency plan 12. Overseeing capital adequacy of bank against the risk exposure
dalam kondisi tidak normal (worst case skenario) ; in with the regulation of central bank, Bank Indonesia;
12. Melakukan pemantauan kecukupan permodalan bank 13. Evaluating effectiveness of the implementation of risk
terhadap risk exposure sesuai ketentuan Bank Indonesia yang management.
berlaku;
13. Mengevaluasi efektivitas pelaksanaan manajemen risiko.
Justifikasi yang disampaikan dalam bentuk rekomendasi Justification, delivered in the form of recommendation to President
kepada Direktur Utama berdasarkan suatu pertimbangan Director, is based on business recommendations and analysis results
bisnis dan hasil analisis yang terkait dengan transaksi atau linked to transactions or the Bank certain business activities so that
kegiatan usaha Bank tertentu sehingga memerlukan adanya it requires a violation of procedures already made by the Bank.
penyimpangan terhadap prosedur yang telah ditetapkan oleh Bank. Recommendation given by Risk Management Committee should
Rekomendasi yang diberikan oleh Komite Manajemen Risiko harus show an agreement among the members of committee.
mencerminkan suatu kesepakatan diantara para anggota komite.
Berdasarkan Kebijakan Manajemen Risiko bank yang berlaku, Based on bank Risk Management Policy, the Bank categorises its
Bank membagi aktivitas usahanya (bisnis dan pendukung) business activities (business and supporting activities) as follows:
menjadi sebagai berikut :
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 Resources Management
10. Sistem Pengendalian Internal. 10. Internal Control System.
310
Dalam rangka peningkatan efektivitas dan fokus pembahasan setiap In order to increase the effectiveness and focus of discussion for
permasalahan bank yang timbul dan diangkat kepada level Komite, every banking problems which are raised at Committee level, Bank
Bank memiliki 3 (tiga) besaran sub komite yakni sebagai berikut: has 3 sub-committees they are as follow:
Risk Management Committee (RMC), Credit Risk Committee Risk Management Committee (RMC), Credit Risk Committee
(CRC), Operational Risk Committee (ORC), Market & Liqudity Risk (CRC), Operational Risk Committee (ORC), Market & Liquidity Risk
Committee (MRC), SSG – MRC, SSG – CRC, dan SSG – ORC. Bank Committee (MRC), SSG – MRC, SSG – CRC, dan SSG – ORC. Bank
mengelompokkan pembahasan atas permasalahan terkait risiko groups the discussion for the settlement of problems linked to risks of
yang terkandung dalam aktivitas usaha diatas ke dalam 3 (tiga) business activities above into three sub-committees. The explanation
sub komite. Penjelasan atas masing-masing komite tersebut adalah for each sub-committees as follows:
sebagai berikut :
Introduction
1. Risk Management Committee merupakan Komite Utama serta 1. Risk Management Committee is the Main Committee and ranks
tertinggi dan digunakan sebagai forum pengambil keputusan the highest, and is used as a forum for decision making from
dari seluruh pelaksanaan kegiatan komite di bawahnya. Komite all the implementation of committee activities below it. This
ini bersifat top level committee dalam struktur organisasi RMC ; committee is at a top level in the RMC organization structure;
2. Market & Liquidity Risk Committee merupakan komite yang 2. Market & Liquidity Risk Committee is a committee focusing on
fokus terhadap pembahasan atas permasalahan-permasalahan the discussion for the settlement of problems appearing from
Performance
dari aktivitas usaha bankyang memiliki Inheren Risk berasal dari the bank business activities which have been Inherent Risk from
Risiko Pasar dan Risiko Likuiditas. Komite ini bersifat middle level Market Risk and Liquidity Risk. This committee is categorized as
committee dalam struktur organisasi RMC; a middle level committee in the organization structure of RMC.
3. Credit Risk Committee merupakan komite yang fokus terhadap 3. Credit Risk Committee is a committee focusing on the
pembahasan atas permasalahan-permasalahan dari aktivitas discussion for the settlement of problems at bank business
usaha bank yang memiliki Inheren Risk berasal dari Risiko activities which have Inherent Risk from Credit Risk. This
Good Corporate
Governance
Kredit. Komite ini bersifat middle level committee dalam struktur committee is classified as a middle level committee at the
organisasi RMC; organization structure of RMC;
4. Operational Risk Committee merupakan komite yang fokus 4. Operational Risk Committee is a committee focusing on the
ter-hadap pembahasan atas permasalahan-permasalahan dari discussion for settlement of problems coming from bank
aktivitas usaha bank yang memiliki Inheren Risk berasal dari business activities which have Inherent Risk from Operational
Risiko Operasional dan Risiko Lainnya (Risiko Strategik, Risiko Risk and Other Risk (Strategy Risk, Reputation Risk, Legal Risk
Corporate Social
Reputasi, Risiko Hukum dan Risiko Kepatuhan). and Compliance Risk).
Responsibility
Komite Kebijakan Kredit Credit Policy Committee
Pembentukan Komite Kebijakan Kredit telah disahkan melalui Surat The establishment of Credit Policy Committee was approved by
Keputusan Direksi PT Bank Pembangunan Daerah Jawa Barat dan Decree of Directors of PT Bank Pembangunan Daerah Jawa Barat
Banten Tbk nomor 580/SK/DIR-MR/2011 tanggal 13 Oktober 2011 dan Banten Tbk Number 580/SK/DIR-MR/2011 dated October 13,
tentang Pembentukan Anggota Susunan Tim ALCO, CPC, dan RMC 2011 on the bank bjb Formation of Structure Members of ALCO,
Consolidated
bank bjb. 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 Chairman
President Director
Corporate Data

Sekretaris Pemimpin Divisi Manajemen Risiko Secretary
Head of Risk Management Division

1. Direktur Treasury & International 1. Director of Treasury & International
4. Pemimpin Divisi Korporasi & Komersial 4. Head of Corporation and Commercial Division
6. Pemimpin Divisi Mikro & Ritel 6. Head of Micro & Retail Division
7. Pemimpin Divisi Card Center & Electronic Banking 7. Head of Card Centre & Electronic Banking Division
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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 Akuntansi 2. Head of Accounting Division
5. Pemimpin Divisi Layanan Operasional 5. Head of Operations Services Division
Komite Kebijakan Kredit memiliki tugas pokok sebagai berikut: Credit Policy Committee has the following main tasks:
1. Merumuskan dan menetapkan permasalahan yang bersifat 1. Formulate and define issues that are significant and material,
signifikan dan material, meliputi penyusunan kebijakan kredit including the preparation of credit policy and amendments
beserta perubahannya, perbaikan atau penyempurnaan thereto, including the repair or improvement of the
penerapan termasuk strategi kebijakan kredit serta contingency implementation of credit policy strategy and contingency plan if
plan apabila terdapat kondisi yang tidak normal. an abnormal condition occurs.
2. Menetapkan hal-hal yang terkait dengan keputusan bisnis yang 2. Specify matters related to business decisions that deviate from
menyimpang dari prosedur normal di bidang kredit, antara normal procedures in the areas of credit, including significant
lain keputusan pelampauan ekspansi kredit yang signifikan excess of credit expansion decisions compared with the Bank’s
dibandingkan dengan rencana bisnis Bank yang telah ditetapkan business plan which has been previously established.
sebelumnya. 3. Formulate a credit policy based on risk appetite relating to:
3. Merumuskan kebijakan perkreditan berdasarkan hal-hal khusus a. Target market dan portion
yang dikehendaki (risk appetite) yang berkaitan 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), or
5. Menetapkan kebijakan dalam hal kredit bermasalah berupa: b. Settlement through the in court or out of court processes.
a. Penyelamatan (rescheduling, reconditioning, restructuring), 6. Consistently monitor the implementation of the CDE and
atau formulate a basis if there is a problem-solving barriers/obstacles
b. Penyelesaian melalui proses di pengadilan ataupun proses di in the implementation of CDE.
luar pengadilan. 7. Conduct the assessment/evaluation on a regular basis to CDE
6. Mengawasi pelaksanaan KPB secara konsisten serta merumuskan and provide advice to the Board of Directors when required
pemecahan masalah apabila terdapat hambatan/kendala dalam changes or additions to CDE are needed.
penerapan KPB. 8. Carry out the assessment on the effectiveness of Internal Control
7. Melaksanakan pengkajian/evaluasi secara berkala terhadap System for Credit periodically.
KPB dan memberikan saran kepada Direksi apabila diperlukan 9. Monitor and provide advice on the planning and implementation
perubahan atau penambahan KPB. of training in the field of credit.
8. Melaksanakan pengkajian terhadap efektivitas Sistem 10. Monitor and evaluate:
Pengendalian Internal Perkreditan secara berkala. a. Developments and the overall quality of credit portfolio
9. Memantau serta memberikan saran atas perencanaan dan including the development and the quality of loans to parties
pelaksanaan training di bidang perkreditan. related to the Bank and certain large debtors.
10. Memantau dan mengevaluasi: b. Authority to decide the implementations of credit and the
a. Perkembangan dan kualitas portofolio perkreditan secara provision of LLL (legal Lending Limit).
keseluruhan termasuk perkembangan dan kualitas kredit
yang diberikan kepada pihak yang terkait dengan Bank dan
debitur-debitur besar tertentu.
b. Pelaksanaan kewenangan memutus kredit dan ketentuan
BMPK (Batas Maksimum Pemberian Kredit).
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c. Kepatuhan terhadap ketentuan perundang-undangan dan c. Compliance with applicable laws and other regulations in
peraturan lainnya dalam pelaksanaan pemberian kredit. the implementation of lending.
d. Penyelesaian kredit bermasalah sesuai dengan yang d. Settlement of non performing loans in accordance with that
ditetapkan dalam KPB. specified in the CDE.
e. Kepatuhan dalam memenuhi ketentuan mengenai e. Compliance in meeting the terms of the adequacy of
kecukupan Cadangan Kerugian Penurunan Nilai (CKPN). Reserves for Impairment Losses (CKPN).
f. Debitur-debitur besar tertentu dan kredit yang berada dalam f. Certain large debtors and loans that are in the list of credits
daftar kredit dalam pengawasan khusus. under special surveillance.
g. Pencapaian target Rencana Kerja dan Pengawasan Kredit g. Achievement of Work Plan targets and Monitoring of Non
Bermasalah. Performing Loans.
Introduction
Komite Pengarah Teknologi Informasi Information Technology Steering Committee
Pembentukan Komite Pengarah Teknologi Informasi Establishment of Information Technology Steering Committee (ITSC)
telah disahkan melalui Surat Keputusan Direksi was approved by Decree of Directors of PT Bank Pembangunan
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. nomor
Daerah Jawa Barat dan Banten no. 0280/SK/DIR-TI/2011 on the

0280/SK/DIR-TI/2011 tentang Perubahan Pembentukan Komite establishment of Information Technology Steering Committee dated
Performance
Pengarah Teknologi Informasi tanggal 28 April 2011. April 28, 2011.
Berdasarkan SK Direksi tersebut, susunan Komite Pengarah Teknologi Based on the decree of Directors, the composition of ITSC members
Informasi adalah sebagai berikut: are as follows:
Posisi Position
Pengarah Direksi Steering
Good Corporate
Board of Director
Governance
Ketua Direktur Operasi Chairman
Sekretaris Pemimpin Divisi Teknologi Informasi Secretary
Head of Information Technology Division
Corporate Social
Responsibility
• Pemimpin Divisi Manajemen Risiko • Head of Risk Management
• Pemimpin Divisi Layanan Operasional • Head of Operation Services
• Pemimpin Divisi Keuangan & Akuntansi • Head of Finance & Accounting
• Pemimpin Divisi Card Center dan Electronic Banking • Head of Card Center and Electronic Banking
Pemimpin Divisi lainnya yang berkaitan dengan pembahasan agenda Other division leaders associated with the discussion of the Committee Consolidated
Rapat Komite. Meeting agenda.
Wewenang dan tanggung jawab Komite Pengarah Teknologi The authority and the responsibility of the Information Technology
Informasi adalah: Steering Committee are as follow:
1) Rencana strategis TI (Information Technology Strategic Plan) yang 1) Strategic Plan for IT (Information Technology Strategic Plan),
Corporate Data
sesuai dengan rencana strategis kegiatan usaha Bank. Dalam which is aligned with the Bank’s strategic plan for its’ business
memberikan rekomendasi, komite hendaknya memperhatikan activities. In providing recommendations, the Committee should
faktor efisiensi, efektivitas serta hal-hal sebagai berikut: take into account the efficiency, effectiveness, and any of the
a. Rencana pelaksanaan (road-map) untuk mencapai following:
kebutuhan TI yang mendukung strategi bisnis Bank. Road a. Implementation plan (road-map) to reach the IT needs that
map terdiri dari kondisi saat ini (current state), kondisi yang support the Bank’s business strategy. The road map consists
ingin dicapai (future state) serta langkah-langkah yang akan of the current state, conditions to be achieved (future state)
dilakukan untuk mencapai future state; as well as measures adopted to achieve the future state;
b. Sumber daya yang dibutuhkan; b. Necessary resources;
c. Keuntungan/manfaat yang akan diperoleh saat rencana c. Advantages/benefits gained when the plan is implemented.
diterapkan.
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2) Perumusan kebijakan dan prosedur TI yang utama seperti 2) Formulation of major IT policies and procedures such as the
kelayakan pengamanan TI dan manajemen risiko terkait feasibility of IT security and risk management in relation to the
penggunaan TI di Bank. use of IT in the Bank.
3) Kesesuaian proyek-proyek TI yang disetujui dengan Rencana 3) Suitability of IT projects which are approved by the IT Strategic
Strategis TI. Komite juga menetapkan status prioritas proyek TI Plan. The committee also set the priority status to IT projects
yang bersifat kritikal (berdampak signifikan terhadap kegiatan that are critical (have significant impact on the operations of
operasional Bank), misalnya pergantian core banking application, the Bank), such as core banking application change, server
server production, dan topologi jaringan. production, and network topology.
4) Kesesuaian pelaksanaan proyek-proyek TI dengan rencana 4) Suitability of the implementation of IT projects with the project
proyek (project charter) yang disepakati dalam service level plan (project charter) as agreed in the service level agreement.
agreement. Komite hendaknya melengkapi rekomendasi 5) Suitability of IT to the needs of management information systems
dengan hasil analisis dari proyek-proyek TI yang utama sehingga that support the management of the Bank’s business activities.
memungkinkan Direksi mengambil keputusan secara efisien. 6) effectiveness of risk minimization measures on the bank’s
5) Kesesuaian TI dengan kebutuhan sistem informasi manajemen investment in the IT sector and ensuring the investment to
yang mendukung pengelolaan kegiatan usaha Bank. contribute to the achievement of business objectives of the
6) Efektivitas langkah-langkah minimalisasi risiko atas investasi Bank.
Bank pada sektor TI dan bahwa investasi tersebut memberikan 7) Monitoring of IT performance and its improvement efforts, for
kontribusi terhadap tercapainya tujuan bisnis Bank. example, by detecting the IT financial status and measuring the
7) Pemantauan atas kinerja TI dan upaya peningkatannya, misalnya effectiveness and efficiency of the implementation of IT security
dengan mendeteksi keusangan TI dan mengukur efektivitas dan policy.
efisiensi penerapan kebijakan pengamanan TI. 8) In resolving various IT related issues that can not be resolved by
8) Upaya penyelesaian berbagai masalah terkait TI yang tidak the user work units and provider work units. The Committee
dapat diselesaikan oleh satuan kerja pengguna dan satuan kerja may facilitate the relationship between the work units.
penyelenggara. Komite dapat memfasilitasi hubungan antara 9) Adequacy and allocation of resources held by the Bank. If the
kedua satuan kerja tersebut. resources is inadequate and the Bank will use the services of
9) Kecukupan dan alokasi sumber daya yang dimiliki Bank. Apabila other parties in the implementation of IT, then the IT Steering
sumber daya yang dimiliki tidak memadai dan Bank akan Committee should ensure that the Bank has related policies and
menggunakan jasa pihak lain dalam penyelenggaraan TI maka procedures.
Komite harus memastikan Bank telah memiliki kebijakan dan
prosedur terkait.
Persyaratan Penyelenggaraan Rapat Komite Pengarah Teknologi Implementation of requirements for Information Technology
Informasi, dalam setiap penyelenggaraan rapat Komite Pengarah Steering Committee Meeting, in any organization of Information
Teknologi Informasi. Rapat dinyatakan sah bila dihadiri minimal oleh Technology Steering Committee meeting. Meeting declared valid
Ketua, Wakil Ketua, Sekretaris dan Anggota Permanen atau pejabat if attended by at least the Chairman, Vice Chairman, Secretary and
setingkat Pemimpin Bagian yang mewakilinya. Member of Permanent or Section Leader level officials who
represent him.
Jadwal Kegiatan rapat Komite Pengarah Teknologi Informasi minimal Schedule of Information Technology Steering Committee meeting
satu kali dalam 3 (tiga) bulan atau dalam keadaan tertentu rapat at least once in 3 (three) months or in certain circumstances the
dapat diadakan sewaktu-waktu. Rapat Komite Pengarah Teknologi meeting may be held at any time. Information Technology Steering
Informasi harus dilengkapi dengan berita acara atau notulen rapat Committee meetings shall be provided with the minutes or the
yang dilampiri daftar hadir peserta rapat dan dilaporkan kepada minutes of the meeting are attached list of participants attended
Direksi dan seluruh anggota Komite. the meeting and reported to the Board of Directors and all members
of the Committee.
ALCO (Asset Liability Committee) ALCO (Asset Liability Committee)

bank bjb telah membentuk ALCO berdasarkan Surat Keputusan bank bjb has established ALCO pursuant to the Directors Decree No.
Direksi Nomor 790/SK/DIR-TRIS/2005 tanggal 20 Oktober 2005 790/SK/DIR-TRIS/2005 dated October 20, 2005 on the Establishment
tentang Pembentukan Tim ALCO dan SSG-ALCO PT Bank Jabar, dan of ALCO and SSG-ALCO PT Bank Jabar, and the Directors Decree No.
Surat Keputusan Direksi Nomor 580/SK/DIR-MR/2011 tanggal 13 580/SK/DIR-MR/2011 dated October 13, 2011 on the Formation of
Oktober 2011 tentang Pembentukan Anggota Susunan Tim ALCO, Structure Members of bank bjb’s ALCO, CPC, and RMC team.
CPC, dan RMC bank bjb.
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Anggota ALCO bank bjb berdasarkan Surat Keputusan Direksi bank bjb ALCO members based on the Directors Decree of the above
tersebut diatas adalah sebagai berikut: 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
Introduction
• Anggota Permanen: • Permanent Member:
1. Pemimpin Divisi Korporasi & Komersial 1. Head of Corporate & Commercial Division
4. Pemimpin Divisi Perencanaan Strategis
4. Head of Strategic Planning Division

5. Pemimpin Divisi Card Center & Electronic Banking 5. Head of Card Center & Electronic Banking Division
Performance
6. Pemimpin Divisi Keuangan & Akuntasi 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 9. Head of Credit Risk Reviewer Division*
10. Pemimpin Divisi Jaringan & Pengembangan Layanan 10. Head of Networking & Services Development Division
• Anggota Non Permanen: • Non Permanent Member:
Good Corporate
Governance
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
Corporate Social
7. Pemimpin Divisi Pendidikan & Pelatihan 7. Head of Learning & Training Division
Responsibility
8. Pemimpin Change Management Office 8. Head of Change Management Office Division
9. Pemimpin Divisi Audit Internal 9. Head of Internal Audit Division
11. Pemimpin Kantor Wilayah 11. Head of Regional Offices
Susunan Tim Staf Suppoting Group (SSG) – ALCO Composition of Staff Supporting Group (SSG) – ALCO
Consolidated
• 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:
Corporate Data
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 Divisi 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 Keuangan & Akuntasi 6. Head of Accounting & Finance Division
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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, Divisi 21. Head of Product Development Group, Micro & Retail
Mikro & Ritel Division
22. Pemimpin Grup Pengembangan Produk & Prosedur, Divisi 22. Head of Products & Procedures Development, Corporate &
Korporasi & Komersial Commercial Division
23. Pemimpin Grup Pengembangan Produk & Prosedur, Divisi 23. Head of Products & Procedure Development, Consumers
Konsumer Division
Tugas Pokok ALCO) Adalah: The Principal Tasks of ALCO Are:

1. Bertanggung jawab atas pencapaian rentabilitas Bank sesuai 1. Responsible for the achievement of the profitability of the Bank
dengan target keuntungan (laba), pertumbuhan neraca dan in accordance with the target profit balance sheet growth and
beberapa ukuran rentabilitas yang telah ditetapkan dalam some measure of profitability that has been established in the
anggaran. budget.
2. Melakukan rapat secara berkala minimum sebulan sekali 2. Conduct regular meetings once a month in minimum to assess,
untuk menilai, merencanakan, dan mengambil langkah berupa plan, and take the form of policy and action plan to pursue a
kebijaksanaan dan action plan untuk mengejar target rencana work plan and budget targets with the realization that occur as
kerja dan anggaran dengan realisasi yang terjadi serta usulan well as possible changes in the proposed budget.
kemungkinan perubahan anggaran. 3. Formulate and decide on pricing strategy which includes:
3. Merumuskan dan memutuskan pricing strategy yang meliputi: a. Credit Pricing (Based Lending Rate, Time Deposits, Deposit
a. Loan Pricing (Based Lending Rate, Time Deposit, Deposit On On Call, etc).
Call, dan lain-lain). b. Deposit Pricing (Demand Deposit, Time Deposits, Deposit On
b. Deposit Pricing (Demand Deposit, Time Deposit, Deposit On Call, etc).
Call, dan lain-lain). c. Pricing for other Bank Products and Services.
c. Pricing Produk dan Jasa Bank Lainnya. 4. Conduct periodic meetings to assess, evaluate Bank performance
4. Melakukan rapat secara berkala untuk menilai, mengevaluasi associated with the gap position of management, Legal Lending
performance Bank yang berkaitan dengan posisi gap limit (LLL) and Net Open Position (NOP).
management, batas Maksimum Pemberian Kredit (BMPK) dan 5. Evaluating the Bank’s interest rate risk position and strategies
Posisi Devisa Netto (PDN). of the Bank to ensure that the Bank’s risk-taking position has
5. Mengevaluasi posisi risiko suku bunga Bank dan strategi Bank been consistent with the purpose of risk management of interest
untuk memastikan bahwa hasil risk taking position Bank telah rate.
konsisten dengan tujuan pengelolaan risiko suku bunga. 6. Periodically review the Bank’s liquidity position and formulate the
6. Me-review secara periodik posisi likuiditas Bank dan merumuskan percentage of liquidity to be maintained by the Bank.
besarnya persentase likuiditas yang akan dipertahankan oleh 7. Periodically review the allocation of the position of the
Bank. placement of Bank funds in assets that generate (earning assets)
7. Me-review secara periodik posisi alokasi penempatan dana Bank and formulate the allocation of funds to earning assets which is
pada aktiva yang menghasilkan (earning assets) dan merumuskan optimal.
pada alokasi dana pada earning assets yang optimal. 8. Periodically review the Bank’s funding position and formulate the
8. Me-review secara periodik posisi sumber dana Bank dan composition of the types of funding sources that produce the
merumuskan komposisi jenis-jenis sumber dana yang optimal cost of funds.
menghasilkan cost of funds yang optimal.
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9. Me-review secara periodik posisi dan eksposure penempatan 9. Periodically review the position and exposure of placement of
dana di pasar uang antarbank dengan menetapkan limit global funds in the interbank money market by setting a global limit on
besarnya aset Bank pada penempatan dana di pasar uang. the amount of bank assets in money market placements.
10. Me-review dan merencanakan secara periodik posisi kualitas 10. Periodically review and plan the position of the credit quality
portofolio perkreditan, juga menetapkan besarnya posisi Loan to portfolio, also set the size of the position of Loan to Deposit
Deposit Ratio (LDR) yang akan diambil Bank. Ratio (LDR) to be taken by the Bank.
11. Melakukan pembahasan mengenai posisi permodalan Bank 11. Conduct a discussion about the Bank’s capital position in an
dalam upaya mencapai posisi Capital Adequacy Ratio yang effort to reach the Capital Adequacy Ratio as determined by
ditentukan oleh Bank Indonesia dengan melaksanakan capital Bank Indonesia by implementing a thorough capital planning.
planning yang cermat. 12. To review the discussion of the position/allocation of funds to the
Introduction
12. Me-review pembahasan mengenai posisi/alokasi dana pada Bank’s investment in securities, as well as the optimal amount for
penyertaan dan investasi Bank pada surat-surat berharga, fixed assets and inventory of office.
serta pada jumlah yang optimal atas harta tetap dan inventaris 13. To review the deviation between actual results with budget
kantor. projections and business plans of the Bank.
13. Me-review deviasi antara hasil actual dengan proyeksi anggaran 14. Convey information to the Directors concerning any related rules
dan rencana bisnis Bank. and regulations developments that affect the Bank’s strategy and
Performance
14. Menyampaikan informasi kepada Direksi mengenai setiap policy.
perkembangan ketentuan dan peraturan terkait yang 15. Implement other meetings suggested by the changes that occur
mempengaruhi strategi dan kebijakan Bank. in the market or changes in terms of government regulation that
15. Melaksanakan rapat-rapat lainnya yang diisyaratkan oleh occurs suddenly.
perubahan-perubahan yang terjadi di pasar ataupun perubahan-
perubahan dari segi regulasi pemerintahan yang terjadi secara
Good Corporate
Governance
tiba-tiba.
Terdapat Beberapa Ketentuan Bagi Tim ALCO Sebagai There Are Some Provisions for ALCO Team as Follows:
Berikut: 1. ALCO members consist of permanent and non permanent
1. Anggota ALCO terdiri dari anggota permanen dan non members.
permanen. 2. Each permanent member has one vote in the decision making
Corporate Social
2. Setiap anggota permanen mempunyai satu hak suara dalam
Responsibility
process through voting, while the non-permanent members
proses pengambilan keputusan melalui voting, sedangkan have no voting rights.
anggota non permanen tidak mempunyai hak suara. 3. The final result of the voting process is a proposal of ALCO
3. Hasil akhir proses voting merupakan suatu usulan Tim ALCO Team that will have its final decision in the Board of Directors
yang nantinya keputusan akhir ada dalam Rapat Direksi. Meeting.
Tim Peneliti dan Pertimbangan Masalah Personal Issues and Considerations Research Team
Consolidated
Kepegawaian (TPPMK) (TPPMK)
bank bjb telah membentuk Tim Peneliti dan Pertimbangan Masalah bank bjb has established a Research and Consideration of Personnel
Kepegawaian berdasarkan Surat Keputusan Direksi No. 106/SK/ Issues Team based on bank bjb Directors Decree No. 106/SK/DIR-
DIR-SDM/2008 tanggal 11 Februari 2008 tentang Pembentukan SDM/2008 dated February 11, 2008 on the Establishment of the
Tim Peneliti dan Pertimbangan Masalah Kepegawaian Bank Jabar Research Team and Consideration of Personnel Issues of Bank Jabar
Banten. Banten.
Corporate Data
Anggota TPPMK terdiri dari: Member of TPPMK consists of:
Posisi Position
Ketua Pemimpin Divisi SDM Chairman
Head of HR Division
Wakil Ketua Pemimpin Divisi Audit Intern Vice Chairman
Head of the Internal Audit Division
Sekretaris Pemimpin Bagian Administrasi SDM Secretary
Head of HR Administration
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Anggota: Member:
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 terhadap 1) Based on the instruction of Directors to conduct research on the
hasil temuan pengawasan/audit baik intern maupun ekstern findings and monitoring/auditing both internally and externally
yang memerlukan tindak lanjut dalam penetapan hukuman that requires follow-up in terms of determining disciplinary
disiplin. action.
2) Memberikan saran/pertimbangan kepada Direksi mengenai 2) Providing advice/ consideration to the Board on follow-up to
tindak lanjut penetapan hukuman disiplin kepada pegawai yang the determination of disciplinary punishment to employees who
terbukti lalai dan atau melanggar ketentuan-ketentuan yang have been proven negligent and/ or violating rules enforced.
berlaku.
Remunerasi dan Prosedur Penetapan Remunerasi Remuneration and Procedure of Remuneration

Dewan Komisaris dan Direksi Stipulation for the Board of Commissioners and
Directors
Pemberian remunerasi bagi anggota Dewan Komisaris dan Direksi Remuneration for members of the Board is calculated based on a
dihitung berdasarkan formula yang ditetapkan oleh RUPS. Setiap formula set by the GMS. Each member of the Board of Commissioners
anggota Komisaris dan Direksi berhak menerima sejumlah kompensasi and Board of Directors is entitled to receive some compensation which
yang diberikan secara bulanan. Dewan Komisaris dan Direksi berhak is given on a monthly basis. Board of Commissioners and Directors are
mendapatkan tantiem berdasarkan kinerja dan pencapaian perusahaan entitled to a bonus based on performance and achievement of the
dengan besaran yang ditentukan dalam RUPS. Dewan Komisaris company by the amount specified in the GMS. Board of Commissioners
dan Direksi juga berhak mendapatkan tunjangan pada saat mereka and Directors are also entitled to benefits when they have no longer
telah tidak lagi menjabat sebagai Dewan Komisaris ataupun Direksi. serve as a Board of Commissioners or Board of Directors.
Prosedur standar penetapan remunerasi Dewan Komisaris dan Direksi The standard procedure of remuneration determination for the Board
yang telah ditetapkan dan yang berlaku sampai saat ini adalah yang of Commissioners and Directors that have been established and applied
telah di tetapkan oleh RUPS. have been set by the GMS.
Prosedur standar penetapan remunerasi Dewan Komisaris dan Direksi Determination of the remuneration standard procedures the for the
ditetapkan sebagai berikut: Board of Commissioners and Directors shall be as follows:
a. Dewan Komisaris meminta Komite Nominasi dan Remunerasi a. Board of Commissioners request the Nomination and
untuk menyusun rancangan usulan remunerasi. Remuneration Committee to structure the proposed
b. Komite Nominasi dan Remunerasi meminta pihak independen remuneration.
untuk menyusun rancangan remunerasi. b. Nomination and Remuneration Committee request an
c. Komite Nominasi dan Remunerasi mengusulkan kepada Dewan independent party to structure the remuneration.
Komisaris mengenai remunerasi. c. Nomination and Remuneration Committee proposes to the
d. Dewan Komisaris mengusulkan remunerasi bagi anggota Dewan Board of Commissioners regarding the remuneration.
Komisaris dan Direksi kepada RUPS. d. Board of Commissioners propose remuneration for the members
e. RUPS menetapkan remunerasi bagi anggota Dewan Komisaris of the Board of Commissioners and Directors to the GMS.
dan Direksi. e. GMS set the remuneration for members of the Board of
Commissioners and Directors.
318
Sekretaris Perusahaan Corporate Secretary
Introduction
Sofi Suryasnia
Sekretaris Perusahaan
Corporate Secretary
Performance
bank bjb telah memiliki Divisi Sekretaris Perusahaan (Corporate bank bjb’s has had a division of Corporate Secretary, as required in
Secretary), sebagaimana disyaratkan dalam Peraturan Bapepam-LK the Regulation Bapepam-LK IX.I.4 concerning the establishment of
IX.I.4 perihal pembentukan Sekretaris Perusahaan dan berdasarkan the Corporate Secretary pursuant to bank bjb Directors Decree No.
Good Corporate
Surat Keputusan Direksi bank bjb No. 695/DIR-SDM/2012 tanggal 695/DIR-SDM/2012 dated November 26, 2010, it was decided that
Governance
26 November 2012 diputuskan bahwa Ibu Sofi Suryasnia yang the Ms. Sofi Suryasnia who formerly served as Head of Kanwil I was
dahulu menjabat sebagai Pemimpin Kanwil I dimutasikan sebagai transferred as Division Head of Corporate Secretary bank bjb.
Pemimpin Divisi Corporate Secretary bank bjb.
Riwayat hidup Sekretaris Perusahaan bank bjb adalah sebagai bank bjb Corporate Secretary resume is as follows:
berikut:
Corporate Social
Responsibility
Nama : Sofi Suryasnia. Name : Sofi Suryasnia
Jabatan : Pemimpin Divisi Corporate Secretary Title : Corporate Secretary Division Chief
Karir di bank bjb : Bekerja di bank bjb sejak 1990 Career in bank bjb : Work at bank bjb since 1990
Direktur Utama
President Director
Consolidated
Bien Subiantoro
DIVISI
SEKRETARIS PERUSAHAAN
pemimpin Divisi
Division of Corporate Secretary
Head Divison
Sofi Suryasnia
Corporate Data
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)
Mulyana Susie Permatasari
Jadi Kusmaryadi Devi Fajar Nugraha Pemimpin Grup/ GROUP HEAD Pemimpin Grup/ GROUP HEAD Pemimpin Grup/ GROUP HEAD
Pemimpin Grup/ GROUP HEAD Pemimpin Grup/ GROUP HEAD Saiful Rizal
Pemimpin Grup/ GROUP HEAD
• Manager • Manager • Manager • Officer • Officer • Officer

• Officer • Staff • Officer • Staff • Staff • Staff
• Staff • Secretary • Staff
Kriteria ARA No. VI.11, V.11.1 319

Sekretaris Perusahaan bertanggung jawab terhadap komunikasi Corporate Secretary is responsible for the communication of
tentang informasi material Bank secara tepat waktu dan akurat information material about Bank in a timely and accurate manner
kepada seluruh pemangku kepentingan. Pengumuman mengenai to all stakeholders. The announcement about the condition and
kondisi dan kinerja Perseroan telah sesuai dengan peraturan dan performance of the Company is in accordance with the rules and
ketentuan serta Anggaran Dasar Perseroan. regulations as well as the Articles of Associations of the Company.
Sejalan dengan prinsip keterbukaan dan ketentuan Bank Indonesia In line with principles of openness and Bank Indonesia provisions
mengenai kewajiban pengungkapan informasi Bank, Sekretaris concerning Bank disclosure obligations, Corporate Secretary also
Perusahaan juga bertanggung jawab atas komunikasi dan responsible for communication and delivery of important information
penyampaian informasi yang penting mengenai Bank kepada regarding the Bank to the Banking Authority, Monetary and Capital
Otoritas Perbankan, Moneter dan Pasar Modal, Pemegang Saham Markets, shareholders and the general public throughout the year
serta masyarakat umum sepanjang tahun 2013. 2011.
Sekretaris Perusahaan bertugas membantu Direksi terkait dengan Corporate Secretary assists the Board of Directors in relations to the
akuntabilitas dan tanggung jawab Direksi atas permasalahan- accountability and responsibilities of the Board of Directors on issues
permasalahan yang berkaitan dengan Good Corporate Governance relating to good corporate governance and social activities.
yang baik serta kegiatan sosial.
Bidang tugas Sekretaris Perusahaan antara lain adalah: The field of Corporate Secretary duties include:
1. Mengikuti perkembangan Pasar Modal, khususnya peraturan- 1. Follow the development of capital market, especially the rules
peraturan yang berlaku di bidang Pasar Modal. that apply in the capital market.
2. Memberikan pelayanan atas setiap informasi yang dibutuhkan 2. Provide services for any information needed by investors relating
pemodal yang berkaitan dengan kondisi Bank. to the Bank.
3. Memberikan masukan kepada Direksi untuk mematuhi ketentuan 3. Advise the Board of Directors to comply with the provisions of Law
Undang-Undang Nomor 8 tahun 1995 tentang Pasar Modal dan No. 8 of 1995 concerning Capital Market and its implementing
peraturan pelaksanaannya. regulations.
4. Sebagai penghubung antara Perseroan dengan Bapepam-LK dan 4. As a liaison between the Company and Bapepam-LK and the
masyarakat. community.
320
Pelaksanaan Tugas Sekretaris Perusahaan Corporate Secretary Task Implementation
Sepanjang tahun 2013, Sekretaris Perusahaan bank bjb telah Throughout 2011, Corporate Secretary of bank bjb has implemented
melaksanakan kegiatan-kegiatan sebagai berikut: the following activities:
1. Mempersiapkan rapat Dewan Komisaris dan Direksi, mencatat 1. Preparing for the Board of Commissioners and Directors meeting,
hasil rapat dan mendistribusikannya kepada pihak-pihak yang noting the results of the meeting and distribute it to the parties
berkepentingan. concerned.
2. Mengirimkan pemberitahuan dan mempersiapkan segala sesuatu 2. Send notices and prepare for everything that is related to the
terkait dengan penyelenggaraan Rapat Umum Pemegang Saham implementation of the General Meeting of Shareholders and
dan mempublikasikan hasil keputusan rapat. publish the results of the meeting’s decision.
Introduction
3. Menjaga hubungan baik dengan otoritas Pasar Modal dan 3. Maintaining good relations with the Capital Market authority
mempersiapkan laporan-laporan mengenai pengungkapan and prepare reports on the Company’s information disclosure in
keterbukaan informasi Perseroan sesuai dengan ketentuan yang accordance with applicable regulations.
berlaku. 4. Coordination and administration of registration of ownership of
4. Melakukan koordinasi dan administrasi pencatatan kepemilikan shares and corporate actions.
saham dan tindakan korporasi. 5. Coordinate public relations activities and marketing

5. Mengkoordinasikan kegiatan public relations dan marketing communications for bank bjb.
Performance
communications untuk bank bjb. 6. Manage and conduct promotional activities of products and
6. Mengelola dan melakukan kegiatan promosi produk dan jasa services of banks, including the making of the Annual Reports
bank, termasuk pembuatan Buku Laporan Tahunan. Books.
7. Mengelola hubungan kelembagaan (counter party). 7. Managing institutional relations (counter party).
8. Mengkoordinasikan dan memantau tindak lanjut atas pengaduan 8. Coordinate and monitor the follow-up on customer complaints.
nasabah. 9. Carry out the branch development in the field of public relations,
Good Corporate
Governance
9. Melaksanakan pembinaan cabang dalam bidang kehumasan, customer complaints, and secretarial.
pengaduan nasabah, dan kesekretariatan. 10. Implement CSR (Corporate Social Responsibility) as a form of
10. Melaksanakan program CSR (Corporate Social Responsibility) awareness and contribute to the improvement in the bank bjb
sebagai wujud kepedulian dan kontribusi bank bjb terhadap community quality of life.
peningkatkan kualitas hidup masyarakat sekitar. 11. Implement the principle of prudence and propriety of the Bank
11. Melaksanakan prinsip kehati-hatian dan kepatutan terhadap Indonesia regulations, laws and regulations, as well as other
Corporate Social
Responsibility
peraturan Bank Indonesia, peraturan perundang-undangan, bank’s internal regulations in force.
serta peraturan intern bank lainnya yang berlaku. 12. Implement educational programs on banking for the general
12. Melaksanakan program edukasi perbankan untuk masyarakat public.
umum.
Consolidated
Corporate Data

Kepatuhan Compliance
Kepatuhan terhadap Peraturan Bank Indonesia serta peraturan Compliance with Bank Indonesia regulations and other laws
perundang-undangan lain yang berlaku wajib dilaksanakan oleh and regulations that apply must be carried out by the Board of
Dewan Komisaris, Direksi, dan seluruh pegawai dalam organisasi Commissioners, Directors, and all employees in the organization
Bank. Kepatuhan harus dilihat sebagai fungsi yang merupakan bagian of the Bank. Compliance should be viewed as a function that is an
tak terpisahkan dari aktivitas bisnis Bank, karena setiap kegagalan inseparable part of the Bank’s business activity, for every failure of
pelaksanaan kepatuhan dapat menyebabkan risiko kepatuhan, risiko compliance can lead to compliance risk, reputation risk, and other
reputasi, dan risiko lainnya. risks.
Kegiatan usaha bank bjb hingga saat ini terus mengalami perubahan The business activities of bank bjb to date continues to experience
dan peningkatan sejalan dengan perkembangan teknologi informasi, changes and improvements in line with the development of
globalisasi dan intergrasi pasar keuangan, sehingga kompleksitas information technology, globalization and integration of financial
kegiatan usaha pun semakin tinggi. Kompleksitas kegiatan usaha markets, hence the complexity of business activities is even higher.
bank yang semakin meningkat tersebut mengakibatkan tantangan The complexity of the bank’s business activities has resulted in
dan eksposur risiko yang dihadapi juga semakin besar, maka increasing challenges and exposure risks that are also getting bigger,
diperlukan berbagai macam uoaya untuk memitigasi risiko tersebut. it would require a wide range of efforts to mitigate these risks. Efforts
Upaya yang harus dilakukan oleh Satuan Kerja Kepatuhan adalah that must be performed by the Compliance Unit is ex ante which is
bersifat ex ante yang sangat diperlukan untuk mengurangi atau very necessary to reduce or minimize the potential risk of the bank’s
memperkecil potensi risiko kegiatan usaha bank yang diperkirakan business activities that are expected to occur.
akan terjadi.
Oleh karena itu, diperlukan adanya peningkatan peran dan Fungsi Therefore, the increased role and Function of Compliance as well
Kepatuhan serta Satuan Kerja Kepatuhan dalam pengelolaan risiko as the Compliance Unit in the management of compliance risk is
kepatuhan. Pengelolaan risiko kepatuhan yang baik dan tepat waktu required. Good and timely compliance risk management are expected
diharapkan dapat meminimalisir dampak risiko sedini mungkin. to minimize the impact of risks as early as possible. Thus the role and
Dengan demikian peran dan Fungsi Kepatuhan juga harus mampu function of Compliance must also be able to manage the Compliance
mengelola Risiko Kepatuhan agar sejalan dengan penerapan Risk to be in line with the Compliance Risk Management application
Manajemen Risiko yang telah berjalan di bank secara keseluruhan. that has been implemented in the bank as a whole.
Peningkatan peran dan Fungsi Kepatuhan serta Satuan Kerja The increased role and Function of Compliance as well as the
Kepatuhan sebagaimana dimaksud di atas dapat dilaksanakan Compliance Unit referred to above can be implemented among
diantaranya dengan melakukan pemisahan antara Satuan Kerja others by performing the separation between the Compliance Unit
Kepatuhan dengan Satuan Kerja Hukum. hal berdasarkan Surat with the Legal Unit. This is based on the Directors’ Decree No. 667/
Keputusan Direksi Nomor 667/SK/DIR-PS/2013 Tanggal 29 Oktober SK/DIR-PS/2013 Dated 29 October 2013 On Organizational Structure
2013 Tentang Struktur Organisasi PT Bank Pembangunan Daerah of PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Jawa Barat dan Banten, Tbk.
Berdasarkan hal tersebut pada tahun 2013 Satuan Kerja Kepatuhan Based on this, in 2013 the Compliance Unit has proposed separation
telah mengajukan usulan pemisahan sebagaimana dimaksud kepada referred to, to the Board of Directors, thus on 29 October 2013 the
Direksi, hingga pada tanggal 29 Oktober 2013 telah dilakukan separation between the Compliance Division and the Legal Division
pemisahan antara Divisi Kepatuhan dengan Divisi Hukum yang performed, which was established by the Directors’ Decree No. 667/
ditetapkan melalui Surat Keputusan Direksi Nomor 667/SK/DIR- SK/DIR-PS/2013 Dated 29 October 2013 On Organizational Structure
PS/2013 Tanggal 29 Oktober 2013 Tentang Struktur Organisasi of PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Sosialisasi GCG Tahun 2013 2013 GCG Socialization

Penerapan GCG diawali dengan penerapan budaya perusahaan yang GCG Implementation begins with the application of corporate culture
didalamnya terdapat tata nilai atau nilai-nilai utama yang menjadi in which there are values or principal values of which becomes the
corporate value bank bjb. corporate value of bank bjb.
Dalam mewujudkan komitmen untuk melaksanakan praktik-praktik In realizing the commitment to implement GCG practices, bank bjb
GCG maka corporate value bank bjb dijabarkan dalam bentuk code corporate value is set out in the form of code of conduct (ethics code
of conduct (etika usaha dana tata perilaku) untuk menjadi acuan of conduct of business funds) to be a reference to the behaviour of
322
perilaku bagi komisaris, direksi dan seluruh pegawai bank bjb directors and all employees of bank bjb in managing the company to
dalam mengelola perusahaan guna mencapai visi, misi dan tujuan achieve the vision, mission and goals of the company.
perusahaan.
Salah satu etika perilaku yang terdapat pada code of conduct One of the ethical behaviour contained in the code of conduct is the
yaitu standar etika untuk menghindari benturan kepentingan dan ethical standards to avoid conflicts of interest and abuse of office and
penyalahgunaan jabatan serta etika untuk tidak menerima gratifikasi the ethics to not accept gratuities of any kind relating to the office,
dalam bentuk apapun yang berhubungan dengan jabatan, dan and as known, one of the GCG implementation coverage is in the
sebagaimana diketahui salah satu cakupan dalam pelaksanaan GCG handling of conflicts of interest.
yaitu penanganan benturan kepentingan.
Introduction
Maka dalam rangka implementasi standar etika pada code of conduct Therefore, in order to implement ethical standards in the code
dan penanganan benturan kepentingan sebagai salah satu wujud of conduct and handling of conflicts of interest as one form of
penerapan Good Corporate Governance, bank bjb menerapkan implementation of Good Corporate Governance, bank bjb applies
Program Pengendalian Gratifikasi sebagaimana kesepekatan kerja Gratification Control Program as a cooperative agreement with the
sama dengan pihak Komisi Pemberantasan Korupsi. Corruption Eradication Commission.
Performance
Fungsi Kepatuhan Compliance Function
Pada Tahun 2011 telah disahkan Peraturan Bank Indonesia No. In 2011, Bank Indonesia Regulation No. 13/2/PBI/2011 dated 12
13/2/PBI/2011 tanggal 12 Januari 2011 Tentang Pelaksanaan Fungsi January 2011 on the Implementation of the Compliance Function
Kepatuhan Bank Umum yang mana ketentuan PBI ini merevisi Commercial Bank has been approved, in which the provisions of this
ketentuan mengenai Direktur Kepatuhan yang diatur dalam Peraturan regulation revises the provisions concerning the Compliance Director
Good Corporate
Governance
Bank Indonesia No.1/6 /PBI/1999 tanggal 20 September 1999. stipulated in Bank Indonesia Regulation No. 1/6/PBI/1999 dated 20
September 1999.
1) Sistem atau proses yang bertujuan untuk memastikan bahwa 1) System or process that aims to ensure that the Bank has complied
Bank telah mematuhi Peraturan Bank Indonesia, peraturan with Bank Indonesia Regulations, other legislation in force, as
perundang-undangan lainnya yang berlaku, serta perjanjian well as agreements or commitments with Bank Indonesia.
atau komitmen dengan Bank Indonesia. 2) The mechanisms to protect the bank from liability incurred in
Corporate Social
2) Mekanisme untuk melindungi Bank dari kewajiban yang relation to the agreements/ cooperations with customers or
Responsibility
ditimbulkan sehubungan adanya perjanjian/kerja sama dengan other parties that may be detrimental to the bank.
nasabah atau pihak lain yang dapat merugikan Bank.
Fungsi Kepatuhan mencakup identifikasi tanggung jawab kepatuhan, The compliance function includes identification of compliance
penilaian risiko kepatuhan, pengawasan, pemantauan, dan pelaporan responsibilities, compliance risk assessment, supervision, monitoring,
pelaksanaan kepatuhan Bank kepada Bank Indonesia dan pihak and reporting of the Bank’s compliance implementation to
Consolidated
terkait. Dalam melaksanakan fungsi kepatuhan tersebut, bank bjb Bank Indonesia and other concerned parties. In performing the
telah membentuk unit khusus, yaitu Divisi Kepatuhan dan Hukum compliance function, bank bjb have formed a special unit, namely
yang berada dibawah koordinasi Direktur Kepatuhan dan Manajemen the Compliance and Legal Division under the coordination of the
Risiko, dimana Divisi Kepatuhan dan Hukum membawahi pula Director of Compliance and Risk Management, the Compliance and
Bagian Kepatuhan yang mempunyai tugas melakukan uji kepatuhan Legal Division also oversees the Compliance Section which has the
atas setiap rancangan kebijakan/keputusan, sistem dan prosedur, task to test the compliance of each drafts of policy/ decision, systems
Corporate Data
serta melakukan uji kepatuhan atas compliance sheet. Pemeriksaan and procedures, as well as compliance test to the compliance sheet.
selanjutnya akan dilaksanakan oleh Audit Intern untuk memastikan The next examination will be carried out by the Internal Audit to
bahwa uji kepatuhan yang dilakukan oleh unit bersangkutan tersebut ensure that the compliance test conducted by the concerned units
telah dilaksanakan dengan benar. have been implemented correctly.
A. Fungsi Direktur yang membawahkan fungsi A. Functions of Director who heads the Compliance
Kepatuhan Function
a. Mewujudkan terlaksananya Budaya Kepatuhan pada semua a. Realize the implementation of the Compliance Culture at
tingkatan organisasi dan kegiatan usaha Bank. all levels of the organization and activities of the Bank’s
b. Mengelola Risiko Kepatuhan yang dihadapi oleh Bank. business.
b. Managing Compliance Risks faced by the Bank.
323
c. Memastikan agar kebijakan, ketentuan, sistem, dan prosedur c. Ensure that policies, rules, systems and procedures as well as
serta kegiatan usaha yang dilakukan oleh Bank telah sesuai business activities are conducted by the Bank in accordance
dengan ketentuan Bank Indonesia dan peraturan perundang- with the provisions of Bank Indonesia and the legislation
undangan yang berlaku, termasuk Prinsip Syariah bagi Bank in force, including Sharia Principles for Sharia Banking and
Umum Syariah dan Unit Usaha Syariah, dan Sharia Business Units, and
d. Memastikan kepatuhan Bank terhadap komitmen d. Ensure Banks compliance towards the commitments made by
yang dibuat oleh Bank kepada Bank Indonesia Bank to Bank Indonesia and/or other regulatory authority.
dan/atau otoritas pengawas lain yang berwenang.
B. Tugas Direktur yang Membawahkan Fungsi B. Duties of Director who heads the Compliance
Kepatuhan Function
Tugas dan tanggung jawab Direktur yang membawahkan Fungsi Duties and responsibilities of the Director who heads the
Kepatuhan, paling kurang mencakup: Compliance function, at least include:
a. Merumuskan strategi guna mendorong terciptanya Budaya a. Formulate strategies to encourage the establishment of Bank
Kepatuhan Bank; Compliance Culture;
b. Mengusulkan kebijakan kepatuhan atau prinsip-prinsip b. Proposed compliance policy or adherence to the principles
kepatuhan yang akan ditetapkan oleh Direksi; which will be set by the Board of Directors;
c. Menetapkan sistem dan prosedur kepatuhan yang akan c. Establish compliance systems and procedures that will be
digunakan untuk menyusun ketentuan dan pedoman used to develop the Bank’s internal rules and guidelines;
internal Bank; d. Ensure that all policies, rules, systems and procedures, as
d. Memastikan bahwa seluruh kebijakan, ketentuan, sistem, well as business activities by the Bank is in accordance with
dan prosedur, serta kegiatan usaha yang dilakukan Bank the provisions of Bank Indonesia and the legislation in force,
telah sesuai dengan ketentuan Bank Indonesia dan including Sharia Banking and Sharia Business Units;
peraturan perundang-undangan yang berlaku, termasuk e. Minimize the Bank’s Compliance Risk;
Prinsip Syariah bagi Bank Umum Syariah dan Unit Usaha f. Take action to prevent the policy and/or decisions taken
Syariah; by the Bank Directors or the management of Bank Branch
e. Meminimalkan Risiko Kepatuhan Bank; Offices of Foreign Bank does not deviate from the provisions
f. Melakukan tindakan pencegahan agar kebijakan dan/atau of Bank Indonesia and the legislation in force;
keputusan yang diambil Direksi Bank atau pimpinan Kantor g. Perform other tasks related to the Compliance Function.
Cabang Bank Asing tidak menyimpang dari ketentuan
Bank Indonesia dan peraturan perundang-undangan yang
berlaku;
g. Melakukan tugas-tugas lainnya yang terkait dengan Fungsi
Kepatuhan.
Tugas dan tanggung jawab sebagaimana dimaksud di atas tidak Duties and responsibilities referred to above does not eliminate
menghilangkan hak dan kewajiban Direktur yang membawahkan the rights and obligations of the charge of Director who heads
Fungsi Kepatuhan sebagai anggota Direksi Bank sebagaimana the Compliance Functions as a member of the Board of Directors
diatur dalam Undang-Undang tentang Perseroan Terbatas, of the Bank as stipulated in the Law on Limited Liability Company,
apabila untuk perbuatan-perbuatan tertentu tersebut diperlukan if for certain actions are required for the decision of all members
keputusan dari seluruh anggota Direksi Bank. of the Board of Directors of the Bank.
C. Peran Direktur Kepatuhan dalam Pelaksanaan C. The Role of Compliance Director in the Implementation
Penerapan Good Corporate Governance of Good Corporate Governance
Direktur yang membawahkan Fungsi Kepatuhan berkewajiban Director who heads the Compliance Function is obliged to ensure
memastikan penerapan Good Corporate Governance serta the implementation of Good Corporate Governance as well as
memantau pelaksanaannya. monitor their implementation.
Peran dan Tanggung Jawab Divisi Kepatuhan Roles and Responsibilities of the Compliance
Tugas dan tanggung jawab Divisi Kepatuhan paling kurang Division
mencakup: Duties and responsibilities of the Compliance Division at least
a. Membuat langkah-langkah dalam rangka mendukung include:
terciptanya Budaya Kepatuhan pada seluruh kegiatan usaha a. Create steps in order to support the establishment of the
Bank pada setiap jenjang organisasi; Compliance Culture in all activities of the Bank at every level
of organization;
324
b. Melakukan identifikasi, pengukuran, monitoring, dan b. Conduct identification, measurement, monitoring, and
pengendalian terhadap Risiko Kepatuhan dengan mengacu control of the Risk Compliance with reference to the
pada peraturan Bank Indonesia mengenai Penerapan Bank Indonesia regulation concerning Application of Risk
Manajemen Risiko bagi Bank Umum; Management for Banks;
c. Menilai dan mengevaluasi efektivitas, kecukupan, dan c. Assess and evaluate the effectiveness, adequacy, and
kesesuaian kebijakan, ketentuan, sistem maupun prosedur appropriateness of policies, rules, systems and procedures of
yang dimiliki oleh Bank dengan peraturan perundang- the Bank with the legislation in force;
undangan yang berlaku; d. To review and/or recommend updates and improvements of
d. Melakukan review dan/atau merekomendasikan pengkinian policies, rules, systems and procedures of the Bank to comply
dan penyempurnaan kebijakan, ketentuan, sistem maupun with Bank Indonesia and the legislation in force, including
Introduction
prosedur yang dimiliki oleh Bank agar sesuai dengan Sharia Banking and Sharia Business Units;
ketentuan Bank Indonesia dan peraturan perundang- e. Make efforts to ensure that policies, regulations, systems
undangan yang berlaku, termasuk Prinsip Syariah bagi Bank and procedures, as well as the Bank’s business activities are
Umum Syariah dan Unit Usaha Syariah; in accordance with the provisions of Bank Indonesia and the
e. Melakukan upaya-upaya untuk memastikan bahwa
legislation in force; and

kebijakan, ketentuan, sistem dan prosedur, serta kegiatan f. Perform other tasks related to the Compliance Function.
Performance
usaha Bank telah sesuai dengan ketentuan Bank Indonesia
dan peraturan perundang-undangan yang berlaku; dan
f. Melakukan tugas-tugas lainnya yang terkait dengan Fungsi
Kepatuhan.
Tanggung Jawab Utama Divisi Kepatuhan Main Responsibility
Good Corporate
Governance
1. Terkait ke Strategi Perusahaan 1. Related to 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 in
Kepatuhan. the compliance field.
c. Menyusun, merumuskan dan mengembangkan Buku c. Prepare, formulate and develop the Company Manual
Corporate Social
Pedoman Perusahaan (BPP) dan Kebijakan Fungsi (BPP) and Compliance Function Policy
Responsibility
Kepatuhan. d. Prepare, formulate and develop the direction, policy,
d. Menyusun, merumuskan dan mengembangkan arah, and the Standard Operating Procedure (SOP) and the
kebijakan, dan Standar Operasional Prosedur (SOP) serta documentation of the Compliance Function.
dokumentasi Fungsi Kepatuhan.
2. Anggaran 2. Budget
Consolidated
a. Mempersiapkan, mengkoordinasikan, dan mengontrol a. Prepare, coordinate, and control the budget of
anggaran Satuan Kerja Kepatuhan/Divisi Kepatuhan, Compliance Unit/Division of Compliance, in accordance
sesuai dengan rencana kerja yang telah disusun. with the work plan that has been prepared.
b. Memanfaatkan anggaran yang ada seefisien dan b. Utilizing the existing budget as efficiently and effectively
seefektif mungkin, memastikan agar program dan as possible, ensure that the program and system run
sistem berjalan secara cost effective (efektif dari segi cost effectively (cost effective).
Corporate Data
biaya).
3. Terkait ke Kepatuhan 3. Related to Compliance

a. Memastikan pelaksanaan Pedoman Kepatuhan yang a. Ensure the implementation of the Compliance Manual
berisi kerangka kerja, kebijakan dan proses yang tepat which contains the framework, policies and processes
untuk memastikan terpenuhinya peraturan Bank to ensure the accordance with the regulation of
Indonesia, Peraturan Bapepam LK dan perundang- Bank Indonesia, Bapepam-LK, and other laws and
undangan lainnya yang berlaku. Mengembangkan regulations. Develop a compliance program for the
suatu program kepatuhan bagi Bank dan bekerja sama Bank and in collaborate with other divisions to clarify
dengan divisi lain untuk memperjelas tanggung jawab the responsibilities of each party.
masing-masing pihak.
325
b. Mengembangkan prosedur kepatuhan pada setiap b. Develop compliance procedures in each unit, to inform
satuan kerja, dengan menginformasikan perubahan changes in laws and regulations applicable to be
peraturan perundang-undangan yang berlaku untuk adjusted to the bank’s internal guidelines by the relevant
disesuaikan ke dalam pedoman intern bank oleh Divisi Division.
terkait. c. Develop, implement and maintain bank compliance
c. Mengembangkan, melaksanakan dan mempertahankan by giving the management the views on legal issues
kepatuhan bank dengan memberikan pandangan found.
kepada pihak manajemen mengenai masalah hukum d. Develop, implement and maintain bank compliance to
yang ditemukan. implement policies, procedures and guidelines on anti
d. Mengembangkan, melaksanakan dan mempertahankan money laundering and criminal acts of terrorism.
kepatuhan bank terhadap penerapan kebijakan, e. Act as the party reached at the Bank in internal
prosedur dan panduan mengenai anti tindak pencucian handling of suspicious transactions reports from staff,
uang dan tindak pidana terorisme. and also those who may be contacted for Anti-Money
e. Bertindak sebagai pihak yang dihubungi di Bank Laundering Unit by the government agencies interested
mengenai penanganan secara internal laporan transaksi in the money laundering act.
yang mencurigakan dari staf, dan juga pihak yang f. Conduct a review on bank policies that are not consistent
dapat dihubungi untuk Unit Anti-Money Laundring with existing regulations.
oleh instansi pemerintah yang berkepentingan terhadap g. Provide feedback to management on compliance
tindak pencucian uang ini. issues and potential impacts, trends and regulatory
f. Melakukan kajian atas kebijakan bank yang belum developments that exist.
selaras dengan peraturan perundangan yang berlaku. h. Carry out independent investigations of any suspicious
g. Memberikan masukan kepada pihak manajemen transactions, which are reported either Bank staff or
mengenai masalah Kepatuhan dan potensi dampak, Bank customers.
tren serta perkembangan peraturan yang ada. i. Ensure that the Bank always meets regulatory
h. Melaksanakan penyelidikan mandiri atas setiap transaksi requirements in a timely manner.
yang mencurigakan, yang dilaporkan baik oleh staf Bank j. Assess the compliance aspects of the proposed new
sendiri ataupun oleh nasabah Bank. products and new business development.
i. Memastikan bahwa Bank selalu memenuhi persyaratan k. Assess the compliance aspects of the public
regulasi dalam waktu yang tepat. documentation about the Bank, including the data
j. Mengkaji aspek kepatuhan atas usulan produk baru displayed on the website of the Bank.
dan pengembangan bisnis baru. l. Responding to the consultative document or discussion
k. Mengkaji aspek kepatuhan atas dokumentasi publik related to legal aspects and compliance issued by a
mengenai Bank, termasuk data yang ditampilkan di banking or financial regulatory bodies.
website Bank. m. Raise awareness of compliance among staff by providing
l. Menanggapi dokumen konsultatif ataupun diskusi information, publications and training on Compliance
terkait aspek hukum dan kepatuhan yang diterbitkan on a regular basis.
oleh badan regulasi perbankan atau keuangan. n. Carry out compliance monitoring.
m. Meningkatkan kesadaran akan kepatuhan di antara o. Ensure the Bank always complies with applicable
para staf dengan cara memberikan informasi, publikasi regulations.
dan pelatihan mengenai Kepatuhan secara reguler.
n. Melaksanakan pemantauan Kepatuhan.
o. Memastikan Bank selalu mematuhi peraturan yang
berlaku.
4. Kajian 4. Study
a. Melakukan kajian aspek kepatuhan dan penerapan a. Reviewing aspects of compliance and implementation
prinsip kehati-hatian terhadap peraturan internal Bank of the precautionary principle to the Bank’s internal
antara lain berupa Surat Keputusan, Surat Edaran, dan regulations which include Decree, Circular Letter, and
bentuk surat lainnya sesuai tata naskah dinas Bank yang other appropriate form of governance prevailing Bank
berlaku serta perjanjian atau dokumen hukum lainnya official texts and agreements or other legal documents
baik yang telah berjalan ataupun yang diajukan. that have either operational or proposed.
b. Mempertahankan operasional bisnis berjalan sesuai b. Maintain business operations to run according to the
ketentuan. provisions.
326
5. Manajemen Divisi 5. Division Management
Mempekerjakan, mengawasi pekerjaan, melatih, Hiring, supervising the work, train, assist, develop skills,
mendampingi, mengembangkan ketrampilan, serta and to evaluate its compliance staff to achieve higher
mengevaluasi para staf Kepatuhan guna mencapai tingkat effectiveness in the performance of this Division.
efektivitas kinerja di Divisi ini.
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 tanggung (Business Continuity Plan/BCP) in accordance with the roles
jawab sebagaimana tercantum di dalam Buku Manual/ and responsibilities as stated in the Manual Book/Crisis
Introduction
Panduan Manajemen Krisis. Management Guide.
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 Wilayah/ communication with other Division, Regional/ Branch Office,
Kantor Cabang, dalam hal konsultasi dan pendapat serta in consultation and giving opinions as well as legal assistance.
Performance
pendampingan hukum. Tujuannya adalah untuk memastikan The aim is to ensure all compliance risks have been properly
semua risiko kepatuhan telah tertangani dengan baik. handled.
8. Pelaporan 8. Reporting
a. Memastikan dilaksanakannya penyampaian laporan a. Enforce submission of reports to Bank Indonesia on the
kepada Bank Indonesia tentang pelaksanaan Direktur implementation of the Director in charge of Compliance
Good Corporate
Governance
yang membawahkan Fungsi Kepatuhan, meliputi: Functions may include:
1. Rencana kerja kepatuhan yang dimuat dalam 1. Compliance work plan contained in the Bank’s
rencana bisnis Bank; business plan;
2. Laporan kepatuhan; dan 2. Compliance report; and
3. Laporan khusus mengenai kebijakan dan/ 3. Special report on the policy and/or the Board’s
atau keputusan Direksi yang menurut Direktur decision that the Director who heads the Compliance
Corporate Social
yang membawahkan Fungsi Kepatuhan telah Function has deviated from the provisions of Bank
Responsibility
menyimpang dari ketentuan Bank Indonesia dan/ Indonesia and/or applicable regulations.
atau peraturan perundang-undangan yang berlaku. b. The report referred to in Article 16 letter b, shall be signed
b. Laporan sebagaimana dimaksud dalam Pasal 16 by the Director in charge of the Compliance Function,
huruf b, wajib ditandatangani oleh Direktur yang and submitted to Bank Indonesia every semester and
membawahkan Fungsi Kepatuhan, dan disampaikan received by Bank Indonesia no later than 1 (one) month
kepada Bank Indonesia setiap semester dan diterima after the reporting period ends with a copy to the Board
Consolidated
Bank Indonesia paling lambat 1 (satu) bulan setelah of Commissioners and President Director, and Managing
periode pelaporan berakhir dengan tembusan Director.
kepada Dewan Komisaris dan Direktur Utama. c. Bank is considered late to submit a report of compliance
c. Bank dianggap terlambat menyampaikan laporan if the reports received by Bank Indonesia is beyond
kepatuhan apabila laporan diterima Bank Indonesia the deadline of submission of the report referred to in
melampaui batas akhir waktu penyampaian laporan paragraph (1), but not exceed 1 (one) month after the
Corporate Data
sebagaimana dimaksud pada ayat (1), tetapi belum reporting deadline.

melampaui 1 (satu) bulan setelah batas akhir waktu d. Bank is considered not submitting compliance report if
penyampaian laporan. the report has not been received by Bank Indonesia until
d. Bank dianggap tidak menyampaikan laporan the end of the delay time limit referred to in paragraph
kepatuhan apabila laporan tersebut belum (3).
diterima Bank Indonesia hingga akhir batas waktu e. The report referred to in Article 16 letter C is submitted
keterlambatan sebagaimana dimaksud pada ayat to Bank Indonesia no later than 7 (seven) working days
(3). after the deviation was made known to the Director in
e. Laporan sebagaimana dimaksud dalam Pasal 16 charge of Compliance Functions.
huruf c disampaikan kepada Bank Indonesia paling
lambat 7 (tujuh) hari kerja sejak diketahui oleh
Direktur yang membawahkan Fungsi Kepatuhan
mengenai adanya penyimpangan.
327
9. Terkait Program Pengendalian Gratifikasi (PPG) 9. Related to Gratification Control Program (PPG)
a. Membawahi Unit Pengendalian Gratifikasi yang berada di a. Gratification Control Unit is supervised under the
bawah Grup Kepatuhan dalam Mengelola pelaksanaan Compliance Group in the implementation management
Program Pengendalian Gratifikasi, Perluasan LHKPN dan of Gratification Control Program, Extended LHKPN and
Sistem Pelaporan Pelanggaran. Abuse Reporting System.
b. Senantiasa bekerja sama dengan KPK dalam pelaksanaan b. Always cooperate with KPK in the implementation of
Program Pengendalian Gratifikasi. Gratification Control Program.
10. Lain-lain 10. Others

a. Mengelola penerapan Manajemen Risiko di Divisi. a. Managing the implementation of Risk Management in
b. Melaksanakan prinsip kehati-hatian dan kepatuhan all Divisions.
terhadap peraturan Bank Indonesia dan Peraturan b. Implement the prudence principle and compliance to
Perundang-undangan lainnya, serta Peraturan Internal Bank Indonesia regulations and other legislation, as well
Bank yang berlaku. as applicable Internal Regulation of Bank policies.
c. Melakukan tindak lanjut temuan hasil pemeriksaan. c. Conduct follow-up of examination findings.
d. Mengelola Buku Pedoman Perusahaan Divisi d. Managing the Company Manual in the Compliance
Kepatuhan Division.
e. Melaksanakan tugas-tugas lainnya yang diberikan oleh e. Carry out other tasks given by the Director in charge of
Direktur yang membawahkan fungsi Kepatuhan. the Compliance function.
Kewenangan Authority
Divisi Kepatuhan memiliki kewenangan untuk: Compliance Division has the authority to:
a. Menandatangani surat-surat, memorandum dan dokumen- a. Signed letters, memoranda and documents relating to the duties
dokumen yang berkaitan dengan tugas Divisi Kepatuhan, of Compliance Division, within the limits of the authority granted
sesuai batas kewenangan yang diberikan oleh Direktur yang by the Director who heads the Compliance Function.
membawahkan Fungsi Kepatuhan. b. Conduct studies and make recommendations to the legal
b. Melakukan kajian serta memberikan rekomendasi aspek hukum aspects of the bank’s internal regulations which include Decree,
terhadap peraturan internal bank antara lain berupa Surat Circular Letter, and other suitable form of Code of Manuscript
Keputusan, Surat Edaran, dan bentuk surat lainnya sesuai Tata Department policies and agreements or other legal documents
Naskah Dinas yang berlaku serta perjanjian atau dokumen that have either operational or proposed.
hukum lainnya baik yang telah berjalan ataupun yang diajukan.
c. Melakukan koordinasi dengan Bank Indonesia dan Lembaga c. Coordinate with Bank Indonesia and other relevant institutions
terkait lainnya dalam rangka pengelolaan tugas Divisi in order to manage the task of the Compliance Division.
Kepatuhan. d. Establish the division of duties and the enforcement of discipline
d. Menetapkan pembagian tugas serta penegakan disiplin kepada to the officer/employee of the responsibility it supervise
pejabat/pegawai yang menjadi tanggung jawab penyeliaannya. e. Provide Performance Assessment of officials and the
e. Memberikan Penilaian Kinerja terhadap Pejabat dan Pegawai subordinates.
bawahannya. f. Coaching visits and socialization to all work units, building a
f. Melakukan kunjungan pembinaan dan sosialisasi kepada seluruh Culture of Law.
unit kerja, untuk membangun Budaya Hukum. g. Make recommendations for the development of Officials and
g. Menyampaikan rekomendasi untuk pengembangan Pejabat dan Employees of the Division of Compliance.
Pegawai Divisi Kepatuhan. h. Perform the Agreement/other Decision in accordance with the
h. Melakukan Persetujuan/Keputusan lainnya sesuai dengan BPP BPP Authority and/or Decision/Policy of the Board of Directors.
Kewenangan dan/atau Keputusan/ Kebijakan Direksi. .
328
Indikator Kepatuhan Compliance Indicator
Dalam menjalankan usaha, bank bjb telah memenuhi ketentuan In running the business, bank bjb has complied to the regulations
Bank Indonesia yang terkait dengan aspek kecukupan modal, of Bank Indonesia relating to aspects of capital adequacy, regulatory
pemenuhan ketentuan bidang perkreditan, pemeliharaan likuiditas, compliance in the areas of credit, liquidity maintenance, as well
serta penerapan program anti pencucian uang dan pencegahan as implementation of anti-money laundering and countering the
pendanaan terorisme. financing of terrorism.
Pemenuhan
Bank* Acuan
Aspek Kepatuhan Compliance Aspect
Fulfillment Reference
Introduction
Bank*
(Ketentuan) (provision)
Rasio Kewajiban Penyediaan Modal Minimum 16.78% ≥ 8% Capital Adequacy Ratio (KPMM)
(KPMM)
Pelampauan / Pelanggaran Batas Maksimum Tidak ada Tidak Exceedances/violations Lending Limit (BMPK)
Pemberian Kredit (BMPK) None diperkenankan
Performance
Not allowed
Rasio Non Performing Loan (NPL) 2.73% ≤ 5% Ratio Non Performing Loan (NPL)
Rasio Giro Wajib Minimum (GWM) Primer 8.00% ≥ 8% Ratio Statutory (GWM) Primer
Rasio GWM Sekunder 10.49% ≥ 2.5% Ratio GWM Secondary
Rasio GWM dalam Valuta Asing 8.41% ≥ 8% Ratio GWM in Foreign Exchange
Good Corporate
Governance
Rasio Posisi Devisa Neto (PDN) 1.20% ≤ 20% Ratio Net Open Position (PDN)
Kegiatan Kepatuhan 2013 Compliance Activities 2013

Kegiatan yang dilakukan Divisi Kepatuhan pada Tahun 2013 Activities undertaken by the Compliance Division in 2013 include but
diantaranya namun tidak terbatas pada: were not limited to:
1. Melaksanakan penyempurnaan Compliance Sheet bagi bidang- 1. Conduct improvements on the Compliance Sheet for operational
Corporate Social
Responsibility
bidang operasional dan non operasional secara bertahap. and non-operational areas gradually.
2. Melakukan pengkajian terhadap seluruh kebijakan dan prosedur 2. Conduct assessment to all policies and procedures related to the
terkait produk dan jasa Bank. products and services of the Bank.
3. Melakukan review atas ketentuan-ketentuan internal yang telah 3. Review the applied internal regulations.
diberlakukan. 4. Conduct monitoring on the reporting obligations of Divisions
4. Melakukan pemantauan kewajiban pelaporan Divisi dan Kantor and Branch Offices.
Cabang. 5. Monitor the implementation of Bank Indonesia inspection results
Consolidated
5. Memantau pelaksanaan hasil pemeriksaan Bank Indonesia dan and monitor the commitment of Divisions and Branch Offices
pemantauan terhadap komitmen Divisi dan Kantor Cabang atas over the results of the Internal Audit Division.
hasil pemeriksaan Divisi Audit Internal. 6. Inform to the relevant units, all of the Bank’s internal and external
6. Menginformasikan setiap ketentuan internal maupun eksternal regulations.
Bank kepada unit terkait. 7. Socialize the Function of Compliance as well as the Bank’s Internal
7. Mensosialisasikan Fungsi Kepatuhan, Ketentuan Internal & & External Regulations to the entire organization of bjb.
Corporate Data
Eksternal Bank kepada segenap organisasi bank bjb. 8. Create a Codification Application System of the Internal
8. Membuat Sistem Aplikasi Kodifikasi Ketentuan Internal bank Regulations of bank bjb.
bjb. 9. Improve Compliance of the Human Resources through education
9. Pengembangan SDM Bagian Kepatuhan melalui program and training programs either assigned by the Division of Education
pendidikan dan pelatihan baik yang ditugaskan oleh Divisi and Training or through the initiatives of the Compliance Unit.
Pendidikan dan Pelatihan maupun berdasarkan pengajuan/ 10. Monitor and maintain the Bank’s business activities so as not to
inisiatif dari Satuan Kerja Kepatuhan. violate the applicable regulations.
10. Memantau dan menjaga agar kegiatan usaha Bank tidak 11. Provide Compliance Consultants for Compliance Assessments
menyimpang dari ketentuan yang berlaku. (still in process, conducted by the goods/ services procurement
11. Melakukan pengadaan Konsultan Kepatuhan untuk Compliance team of the General Affairs Division).
Assesment (Masih dalam tahap proses oleh tim pengadaan
barang/jasa Divisi Umum)
329
12. Melakukan pelaksanaan pengelolaan Gratifikasi dengan 12. Conduct Gratification management by coordinating with the
melakukan kordinasi dengan KPK. Corruption Eradication Committee (KPK).
13. Memonitoring dan evaluasi program pengendalian Gratifikasi 13. Monitor and evaluate the Gratification control programs and
dan Pelaporan/Pengaduan Pelanggaran (WBS) Reporting/ Violation Complaint (WBS).
Dalam menjalankan kegiatan usaha, bank bjb telah memenuhi In conducting our business activities, bank bjb has complied with the
ketentuan Bank Indonesia yang terkait dengan aspek kecukupan Bank Indonesia regulations related to the aspects of capital adequacy,
modal, pemenuhan ketentuan bidang perkreditan, pemeliharaan regulatory compliance in the area of credit, liquidity maintenance, as
likuiditas, serta penerapan Program Anti Pencucian Uang dan well as the implementation of Anti-Money Laundering Program and
Pencegahan Pendanaan Terorisme. Combating Terrorism Financing.
Penerapan Program Anti Pencucian Uang dan The implementation of Anti-Money Laundering
Pencegahan Pendanaan Terorisme (Program APU- and Prevention of Terrorism Financing Program
PPT) (Program APU-PPT)
Pelaksanaan Program Anti Pencucian uang dan Pencegahan The Anti-Money Laundering and Prevention of Terrorism
pendanaan Terorisme merupakan program yang dilaksanakan financing(AMLPTF) is a program implemented on an on-going
secara berkesinambungan dalam rangka pemenuhan kewajiban basis in order to meet the obligations under the Bank Indonesia
berdasarkan Peraturan Bank Indonesia Nomor 14/27/PBI/2012 tanggal Regulation Number 14/27/PBI/2012 dated December 28, 2012 On
28 Desember 2012 Tentang Penerapan Program Anti Pencucian the Implementation of Anti-Money Laundering Program Prevention
Uang dan Pencegahan Pendanaan Terorisme bagi Bank Umum. of Terrorism Financing for Commercial Banks. During the year 2013,
Selama Tahun 2013, sebagai langkah keseriusan dalam menerapkan to reflect the Bank’s seriousness in implementing the program, bank
Program APUPPT, bank bjb telah melaksanakan berbagai aktivitas bjb carried out various activities as follows:
sebagai berikut:
Melaksanakan pengembangan dan penyempurnaan sistem aplikasi Conduct development and refinement of the application system
sebagai alat bantu penerapan program APUPPT yang dapat to be the supporting tool for the implementation of the AMLPTF
digunakan untuk: Program that can be used to:
a. Mendeteksi transaksi-transaksi keuangan yang memenuhi a. Detect financial transactions that qualify as transactions that
kriteria sebagai transaksi yang wajib dilaporkan kepada Pusat must be reported to the Indonesian Financial Transaction Reports
Pelaporan dan Analisis Transaksi Keuangan, and Analysis Center/ INTRAC.
b. Mengidentifikasi pengelompokan risiko nasabah dari sisi APUPPT b. Identify the customer risk categories from the view of AMLPTF
dan alat bantu dalam rangka pemantauan Pengkinian Data and can be used to be the tool to monitor the updates of the
Nasabah bank bjb; bank bjb Customer Data;
Melaksanakan program pelatihan secara rutin baik pelatihan secara Conduct training programs on a regular basis, both regular trainings
regular yang diterapkan kepada calon pegawai baru maupun applied to prospective new employees and special trainings applied
pelatihan yang khusus kepada pegawai yang berhubungan langsung to employees who deal directly with customers or employees with a
dengan nasabah atau pegawai yang posisisnya strategis dalam strategic position in the implementation of AMLPTF;
penerapan APUPPT;
Adapun statistik pelaksanaan program APUPPT selama tahun 2013* The statistics of the implementation of AMLPTF during 2013 * is as
sebagai berikut : follows:
Aktivitas Jumlah/Total Activities

Laporan Transaksi Keuangan Tunai 5.133 Laporan/Report Cash Financial Transaction Reports
Laporan Transaksi Keuangan Mencurigakan 49 Laporan/Report Suspicious Transaction Reports
Korespondensi dengan pihak Berwenang 100 Korespondensi/ Correspondence with the authorities
Correspondency
Pengkajian APUPPT 9 Kajian/Study assessment APUPPT
Pengisian Kuisioner Cross Border 28 Korespondensi/ Completion of Questionnaires Cross Border
Correspondent Banking+ Correspondency Correspondent Banking+
330
Penerapan Program APU dan PPT Tahun 2013 The Implementation of AML and PTF in 2013
1. Melakukan pemantauan terhadap transaksi-transaksi Keuangan 1. Monitor financial transactions for more in-depth analysis towards
untuk dilakukan analisa lebih mendalam terhadap potensi the occurrence of potential suspicious transactions.
terjadinya Transaksi Keuangan Mencurigakan. 2. Monitor the financial transactions in cash in a certain limit and
2. Melakukan pemantauan terhadap transaksi-transaksi keuangan conduct reporting to INTRAC.
tunai dengan batas tertentu untuk dilakukan pelaporan kepada 3. Coordinate the delivery of reports with other work units on
PPATK. the submission of Suspicious Transaction Reports (STR) and
3. Melakukan koordinasi penyampaian laporan dengan unit Cash Transaction Reports (CTR) which must be reported to the
kerja lain terhadap penyampaian Laporan Transaksi Keuangan INTRAC.
Introduction
Mencurigakan (LTKM) serta Laporan Transaksi Keuangan Tunai 4. Conduct maintenance and monitoring of the customer profile
(LTKT) yang wajib dilaporkan kepada PPATK. with list the subject that must be monitored issued by competent
4. Melakukan Pemeliharaan dan pemantauan terhadap profile authorities both nationally and internationally.
nasabah dengan daftar-daftar subjek yang wajib dipantau yang 5. Monitor the customer who becomes suspect or has been accused
dikeluarkan oleh otoritas yang berwenang baik nasional maupun of a crime by the authorities based on mass media or based on
internasional, other information from official sources.

5. Melakukan pemantauan terhadap nasabah yang dijadikan 6. Monitor the implementation of the Customer Data updating
Performance
Tersangka atau Terdakwa suatu tindak pidana oleh pihak activities by all units.
yang berwenang baik dari media massa maupun berdasarkan 7. Monitor the establishment of work partnerships by bank bjb and
informasi lainnya dari sumber resmi. the corresponding Banks with the aspects of AML - PTF.
6. Melakukan kegiatan Pemantauan terhadap pelaksanaan 8. Conduct assessments through the inputs or opinions on the new
Pengkinian Data Nasabah oleh seluruh unit kerja. activities and banking products that are closely related to the
7. Melakukan pemantauan pelaksanaan pembukaan hubungan application of AML-PTF before the activity and the product is
Good Corporate
Governance
usaha bank bjb dengan bank koresponden dari aspek APU-PPT. operated.
8. Melakukan pengkajian melalui masukan atau pendapat terhadap 9. The purpose of education is to increase understanding on the
aktivitas-aktivitas maupun produk-produk baru perbankan yang implementation of the AMLPTF program in related work units,
berkaitan erat dengan kewajiban penerapan program APU-PPT and increase understanding of the risks of money laundering and
sebelum aktivitas dan produk tersebut dijalankan. terrorism financing.
9. Melaksanakan kegiatan sosialisasi melalui pendidikan dan 10. Coordinate and monitor the implementation of the policies in
Corporate Social
Responsibility
pelatihan APUPPT terhadap karyawan bank bjb diantaranya the AMLPTF program with related work units associated with the
pendidikan untuk frontliner, calon pegawai, Manajer Customer.
Operasional, Pemimpin KCP. Tujuan dari pendidikan adalah
untuk meningkatkan pemahaman atas penerapan program
APUPPT di unit kerja terkait, dan meningkatkan pemahaman
atas risiko pencucian uang dan pendanaan terorisme.
10. Melakukan koordinasi dan pemantauan terhadap pelaksanaan
Consolidated
kebijakan program APU dan PPT dengan unit kerja terkait yang
berhubungan dengan Nasabah.
Implementasi AML/KYC 2013 AML/KYC Implementation

1. Melakukan Pemeliharaan dan Pemantauan terhadap Daftar/ 1. Perform maintenance and monitoring of the List/Database
Database subjek yang wajib dipantau yang dikeluarkan oleh of subjects that must be monitored which are issued by the
Corporate Data
pihak yang berwenang. authorities.

2. Melakukan Pemantauan terhadap Tersangka atau Terdakwa 2. Conduct monitoring on the Suspect or the Accused of a Crime
Suatu Tindak Pidana. 3. Conduct Monitoring of Updating of Customer Data Activity
3. Melakukan Pemantauan terhadap Kegiatan Pengkinian Data 4. Conduct Monitoring of Cash Transactions (CTR)
Nasabah. 5. Conduct monitoring of Suspicious Transactions (STR)
4. Melakukan Pemantauan terhadap Transaksi Keuangan Tunai 6. Monitoring the implementation of APUPPT (KYC/AML-CFT)
(CTR). provisions on Correspondent Banking.
5. Melakukan Pemantauan terhadap Transaksi Keuangan
Mencurigakan (STR).
6. Melakukan Pemantauan Pelaksanaan Ketentuan APUPPT (KYC/
AML-CFT) pada Correspondent Banking.
331
Peraturan yang Mempunyai Dampak Signifikan Regulations That Have a Significant Impact on the
Terhadap Bank Tahun 2013 Bank in 2013
1. Sepanjang tahun 2013, Bank Indonesia telah menerbitkan 1. Throughout the year 2013, Bank Indonesia has issued a number
sejumlah aturan perbankan yang mempengaruhi kinerja bank of rules that affect the performance of bank bjb directly or
bjb secara langsung maupun tidak langsung. Adanya Peraturan indirectly. The presence of Bank Indonesia Regulation number
Bank Indonesia nomor 14/26/PBI/2012 tanggal 27 Desember 14/26/PBI/2012 dated December 27, 2012 on Business Activities
2012 tentang Kegiatan Usaha dan Jaringan Kantor Berdasarkan and Office Network Based on Core Capital which started to
Modal Inti yang mulai diimplementasikan oleh perbankan sejak be implemented by banks since the beginning of 2013 has
awal tahun 2013 telah mendorong bank bjb untuk memperkuat prompted bank bjb to strengthen its core capital to support the
modal intinya dalam mendukung operasional bank. Hal tersebut Bank’s operations. This was fully supported by all shareholders,
pun didukung penuh oleh seluruh pemegang saham, terbukti as evidenced by the decrease of Dividend Payout Ratio of 62.5%
dengan diturunkannya Dividen Payout Ratio dari 62,5% menjadi to 56% thus bank bjb’s core capital in 2013 amounted Rp 5.43
56% sehingga modal inti bank bjb tahun 2013 sebesar Rp 5,43 trillion in the category of BOOK 3.
triliun dan masuk dalam kategori BUKU 3.
Aturan lain yang juga mempengaruhi bank bjb yaitu adanya Another regulation that also affects bank bjb is the new provision
ketentuan baru tentang Loan To Value (LTV) /Financing To Value on Loan to Value (LTV)/Financing to Value (FTV) for property loans
(FTV) untuk Kredit Pemilikan Properti dan Kredit Konsumsi and consumer loans with property assets as collateral contained
Beragun Properti yang tertuang dalam Surat Edaran Eksternal in the External Circular Letter of Bank Indonesia No. 15/40/DKMP
Bank Indonesia No. 15/40/DKMP tanggal 24 September 2013. dated September 24, 2013. This provision applies to Credit/
Ketentuan ini berlaku untuk Kredit/Pembiayaan Pemilikan Properti Financing of Property Ownership (KPP/ KPP iB), including property
(KPP/KPP iB), meliputi KPR/KPR iB, KPRS/KPRS iB, KPRukan/ loans for houses (conventional KPR or the KPR iB), property
KPRukan iB, dan KPRuko/KPRuko iB; dan Kredit/Pembiayaan loans for flats (KPRS/ KPRS iB), property loans for office houses
Konsumsi Beragun Properti (KKBP/KKBP iB). Dengan adanya (KPRukan/ KPRukan iB), property loans for shop-houses (KPRuko/
ketentuan baru tentang LTV tersebut, bank bjb telah melakukan KPRuko iB), and consumer loans/ financing with property assets
penyesuaian/review terhadap ketentuan-ketentuan internal as collateral (KKBP/ KKBP iB). With the new provision on LTV,
terkait produk bjb KPR & Mortgage. bank bjb adjusted/ reviewed our internal provisions related to
our product, bjb KPR & Mortgage.
2. Surat Edaran Ekstern Nomor 15/40/DKMP tanggal 24 September 2. External Circular No. 15/40/DKMP dated September 24, 2013
2013 perihal Penerapan Manajemen Risiko pada Bank yang concerning the Application of Risk Management for Banks
Melakukan Pemberian Kredit atau Pembiayaan Pemilikan Conducting Lending or Financing Property Ownership, Consumer
Properti, Kredit atau Pembiayaan Konsumsi Beragun Properti, Credit or Financing with Property Assets as Collateral and Motor
dan Kredit atau Pembiayaan Kendaraan Bermotor Berlaku: 30 Vehicle Credit or Financing, which was valid until September 30,
September 2013 2013
Dengan adanya surat edaran Bank Indonesia, perusahaan wajib With the circular letter of Bank Indonesia, the company was
untuk melakukan penyesuaian ketentuan internal bank dengan obliged to make adjustments on the Bank’s internal regulations.
surat edaran Bank Indonesia. Surat edaran Bank Indonesia ini The Bank Indonesia circular letter also provided an impact on
juga berdampak pada penilaian risiko pemberian pembiayaan the risk assessment of the property loans or financing of the
kepemilikan properti oleh perusahaan. Company.
3. Peraturan Bank Indonesia (PBI) tentang Prinsip Kehati-hatian 3. Bank Indonesia Regulation (PBI) on the Precautionary Principle
dalam Kegiatan Penyertaan Modal mengatur kembali kegiatan in Capital Investment Activities, which regulates the activities
penyertaan modal, yang merupakan salah satu bagian dari of capital investment, which is a part of the Bank’s investment
kegiatan penanaman dana Bank, antara lain persyaratan activities, among others, regulating the general requirements
umum berupa persyaratan tingkat kesehatan sebelum Bank such as the health level required for the Bank to conduct capital
dapat melakukan penyertaan modal, dan jumlah maksimum investment, and the maximum number of capital investment that
penyertaan modal yang dapat dilakukan sesuai dengan kapasitas can be conducted in accordance to the capacity of the Bank’s
permodalan yang dimilikinya. capital.

Pengaturan dalam PBI ini juga memberikan peluang bagi bank The provision in this Bank Indonesia regulation also provides an
untuk dapat melakukan divestasi penyertaan modal atas inisiatif opportunity for banks to divest their capital investment on their
sendiri dengan memenuhi beberapa persyaratan tertentu, own initiative by meeting certain conditions, in addition to the
disamping divestasi penyertaan modal yang diwajibkan karena required capital divestment.
ketentuan.
Dampaknya meningkatnya prinsip kehati-hatian bank dalam The impact of the regulation, the Bank intensifies our
melakukan penyertaan modal, dan kesehatan bank dapat dijaga. precautionary principle in conducting capital investment, as well
Namun demikian bank berupaya melakukan penambahan modal as the bank’s health remains to be maintained. However, the
salah satunya melalui right issued. Bank seeks to conduct additional capital investment, among
Introduction
others through rights issued.
Transaksi yang Mengandung Benturan Transactions Containing Conflicts of Interest

Kepentingan
Ketentuan mengenai benturan kepentingan telah di atur dalam : Provisions on conflicts of interest have been stipulated in:
• Surat Keputusan Dewan Komisaris Nomor 06/DK/2007, (syarat • The Commissioners’ Decree No. 06/DK/2007, (independency
Performance
independensi angka 11) : requirements number 11):
Pengungkapan benturan kepentingan dicantumkan dalam setiap Disclosure of conflicts of interest is included in the minutes of each
risalah rapat Dewan Komisaris, paling kurang mencakup nama meeting of the Board of Commissioners, shall at least include the
anggota Dewan Komisaris yang memiliki benturan kepentingan, name of the member of the Board of Commissioners who have a
masalah pokok benturan kepentingan dan dasar pertimbangan conflict of interest, the main issue of conflict of interest and principal
Good Corporate
considerations in the decision-making.
Governance
pengambilan keputusan.
• Surat Keputusan Direksi Nomor 931/SK/DIR/2007, (Bab 3 perihal • The Directors’ Decree No. 931/SK/DIR/2007, (Chapter 3 regarding
standar etika, prinsip umum etika Bank). code of conduct, the general principles of Bank ethics).
Selama tahun 2013, tidak ada transaksi yang mengandung benturan During 2013, there were no transactions containing conflicts of
Corporate Social
kepentingan. interest.
Responsibility
Buy Back Shares Dan/Atau Buy Back Obligasi Buy Back Shares And/Or Buy Back Bonds of the
Bank Bank
Pada tahun 2013, bank tidak melakukan transaksi buy back atas In 2013, the bank did not conduct any buy back transactions on
saham, karena bank bjb belum melaksanakan penjualan saham ke shares, as bank bjb have not executed the sale of shares to the
publik, begitu pula bank bjb tidak melakukan kegiatan buy back atas public, bank bjb also did not conduct any buy back activities on
Consolidated
obligasi yang telah diterbitkan. bonds which have been issued.
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
DPNP tanggal 29 April 2013 perihal Pelaksanaan Good Corporate dated 29 April 2013 on the implementation of Good Corporate
Governance Bagi Bank Umum, Self Assessment Pelaksanaan Governance for Commercial Banks, Self Assessment Implementation
Corporate Data
Good Corporate Governance bank bjb selama tahun 2013 yang of Good Corporate Governance of bank bjb during 2013 which was
berlandaskan pada prinsip dasar yaitu transparency, accountability, based on the basic principles, namely transparency, accountability,
responsibility, independency, dan fairness. responsibility, independency, and fairness.
Berdasarkan analisis terhadap seluruh kriteria/indikator penilaian Based on the analysis of all the assessment criteria / indicators, it was
tersebut, disimpulkan bahwa: concluded that:
Kriteria ARA No. V.15, II.5, VI.4 333

A. Governance Structure A. Governance Structure

1. Faktor-faktor positif aspek governance structure Bank 1. Positive factors of the Bank’s aspect of governance structure
adalah telah terdapat stuktur tata kelola Bank (Komisaris, is that the Bank already has a governance structure (Board
Direksi, Komite dan Satuan Kerja) sesuai dengan ketentuan of Commissioners, Board of Directors, Committees and
perundang-undangan yang berlaku dan telah tersedia Units) in accordance with the provisions of the applicable
kebijakan serta prosedur bagi kegiatan usaha Bank. legislation and policies and procedures have been available
2. Faktor-faktor negatif aspek governance structure Bank for the Bank’s business activities.
adalah kebijakan dan prosedur Bank belum sepenuhnya 2. Negative factors of the Bank’s aspect of governance structure
mengakomodir seluruh kegiatan operasional Bank. Jumlah is that the Bank’s policies and procedures have not been fully
dan komposisi Direksi berjumlah 4 (empat) orang, Direksi accommodating to all operations of the Bank. The number
yang telah lulus fit and proper test berjumlah 3 (tiga) orang and composition of the Board of Directors consists of 4 (four)
dan 1 (satu) orang menunggu keputusan Bank Indonesia. people, the Board of Directors who have passed the fit and
Jumlah Komisaris devinitive lebih banyak dibandingkan proper test consists of 3 (three) people and 1 (one) person is
dengan jumlah Direksi devinitive. still pending the decision of Bank Indonesia. The number of
definitive Commissioner amounts more than the number of
definitive Directors.
B. Governance Process B. Governance Process

1. Faktor-faktor positif aspek governance process Bank adalah 1. Positive factors of the Bank’s aspect of governance process
telah dilaksanakan setiap kegiatan usaha Bank, diantaranya is that all has been carried out at every Bank’s business
yaitu dengan dibuatnya sistem dan prosedur yang mengatur activities, among which with the establishment of systems
setiap kegiatan usaha Bank. and procedures that govern each of the Bank’s business
2. Faktor-faktor negatif aspek governance process Bank activities.
adalah belum secara efektif dilaksanakan mengingat masih 2. Negative factors of the Bank’s aspect of governance process
diperlukan adanya peningkatan kesadaran/pemahaman is that not all has been carried out effectively bearing in
budaya kepatuhan dan budaya risiko di setiap unit kerja. mind that an increased awareness/ understanding of the
Terdapat temuan Bank Indonesia yang sifatnya berulang. compliance culture and risk culture at every work unit is still
required. There were recurring findings by Bank Indonesia.
C. Governance Outcome C. Governance Outcome

1. Faktor-faktor positif aspek governance outcome Bank adalah 1. Positive factors of the Bank’s aspect of governance outcome
telah dilaksanakan sistem transparansi laporan, penyusunan is the implementation of the transparency reporting system,
sistem prosedur kegiatan usaha Bank yang di dalamnya the preparation of the Bank’s business activities procedure
menerapkan asas perlindungan terhadap konsumen, telah system in which applies the principles of consumer
mendapat sistem assessment/audit yang dilakukan secara protection, getting a system of assessment/ audit which is is
berkala. conducted periodically.
2. Faktor-faktor negatif aspek governance process Bank adalah 2. Negative factors of the Bank’s aspect of governance process
masih terdapat pelanggaran (fraud). is there are still violations (fraud) occuring.
Hasil Penilaian Sendiri (Self Asseesment) Pelaksanaan GC
Peringkat/Rating Definisi Peringkat/Definition of Rating
2 Baik/Good
Sesuai dengan hasil penilaian sendiri (self assessment) Pelaksanaan In accordance with the results of the self assessment, Implementation
Good Corporate Governance bank bjb tahun 2013 memiliki of Good Corporate Governance of bank bjb in 2013 has a rating of
peringkat “Baik”. “Good”.
334
Penyediaan Dana Kepada Pihak Terkait/Transaksi Provision of Fund to Related Party/Transaction with
kepada Pihak yang Terafiliasi Affiliated Party
Penyediaan dana kepada pihak terkait (related party) dan penyediaan Provision of funds to related party and the provision of
dana besar (large exposure), posisi pada akhir tahun 2013 adalah large funds (large exposure), the position at the end of 2013 are as
sebagai berikut: follows:
Jumlah/Total
No. Penyediaan Dana Debitur Nominal Provision of Fund
Debtor (Jutaan/Million Rupiah)
1. Kepada pihak terkait 29 117.969 To related parties
Introduction
2. Kepada debitur Inti Core to the debtor
a. Individu 23 3.668.113 a. Personal
b. Grup 2 233.067 b. Group
Jumlah Penyimpangan Internal (Internal Fraud) Number of Internal Fraud
Pengertian Fraud mengacu kepada Surat Edaran Bank Indonesia The definition of Fraud refers to Bank Indonesia Circular Letter No.
Nomor 13/28/DPNP tanggal 9 Desember 2011 perihal strategi anti
Performance
13/28/DPNP dated 9 December 2011 on anti-fraud strategy for
fraud bagi Bank Umum. Jumlah penyimpangan internal bank bjb Commercial Banks. The number of internal fraud at bank bjb that
yang terjadi selama tahun 2013: occurred during 2013:
Jumlah kasus yang dilakukan oleh/Number of case committed by

Pengurus Pegawai Tetap Pegawai Tidak Tetap
Internal Fraud dalam 1 tahun Management Permanent Employee Non-Permanent Employee
Good Corporate
Internal Fraud during 1 year
Governance
Tahun Tahun Berjalan Tahun Tahun Berjalan Tahun Tahun Berjalan
Sebelumnya Current Year Sebelumnya Current Year Sebelumnya Current Year
Previous Year Previous Year Previous Year
Total Fraud - - 3 4 3*) -

Telah Diselesaikan - 3 - 3*) -
Settled
Dalam proses penyelesaian - - - 4 - -
Corporate Social
Responsibility
di internal Bank
in the process of settlement in the
Bank’s internal
Belum diupayakan - - - - - -
Penyelesaian
Settlement has not been pursued
Telah ditindaklanjuti melalui proses - - - - - -
hukum
Has been followed up through legal
Consolidated
process
Data tersebut merupakan data fraud dengan nominal diatas Rp.100.000.000,- The data is fraud data with a nominal value above Rp.100,000,000 (one hundred
(seratus juta rupiah) yang bersifat risk loss maupun potensial loss. million rupiah) in loss or risk of potential loss.
*) Pegawai tidak tetap berkoordinasi dengan pegawai tetap dalam melakukan *) Non permanent employee coordinates with permanent employee in conducting
tindakan fraud. fraud activity.
Corporate Data
335
PERMASALAHAN HUKUM LEGAL CASES
Permasalahan Hukum Legal Cases
Per tanggal 31 Desember 2013, terdapat 12 (duabelas) Perkara yang As of 31 December 2013, there are twelve (12) Legal Cases still in
masih dalam proses penyelesaian yaitu diantaranya sebagai berikut: the settlement process including the following:
Posisi Perseroan bank

No Perkara Pihak Terkait Pokok/Nilai Gugatan Status Perkara
No bjb
Case Related Principal/Lawsuit Case Status
bank bjb Position
1 24/Pdt.G/2013/PN.TSM. Cabang Tasikmalaya Deni Setiadi selaku Penggugat Sdr. Deni Setiadi sebagai Penggugat telah
selaku Tergugat I penggugat nasabah kredit macet terhadap bank bjb mengajukan
Tasikmalaya branch as Deni Setiadi as plaintiff Cabang Tasikmalaya dinyatakan ditolak permohonan banding
Defendant I Plaintiffs Deni Setiadi as customer bad atas putusan perkara
debts to the branch bank bjb Tasikmalaya tersebut
be rejected Plaintiff has filed an
appeal against the
decision of the case
2 221/Pdt.G/2013/PN.Bks Cabang Bekasi selaku Djaini Bin Nian selaku menggugat jaminan atas nama debitur PN Bekasi: Tahap
Tergugat II Penggugat, Bapak bank bjb Cabang Bekasi, CV. Multi Sarana Mediasi
Bekasi branch as Iwan/CV Multi Sarana Mudilab PN Bekasi: Stage
Defendant II Mudilab selaku sue on behalf of the debtor bank Mediation
Tergugat I guarantee bjb Bekasi Branch, CV. Multi
Djaini Bin Nian as the Sarana Mudilab
Plaintiff, Mr. Iwan/CV
Multi Sarana Mudilab
as Defendant I
3 45/Pdt.G/2013/PN.Srg. Cabang Serang selaku Wahyu Nurzamil selaku menggugat pembatalan jaminan kredit PN Serang: persidangan
Tergugat Penggugat atas nama PT Navagro Indonesia debitur dalam tahap
Serang Branch as Revelation Nurzamil as bank bjb Cabang Serang pembuktian
Defendant Plaintiff sued cancellation of credit guarantees PN Serang: evidentiary
on behalf of the debtor bank PT Navagro phase of the trial in
Indonesia bank bjb Branch Serang
4 351/Pdt.G/2013/PN.Jkt. Cabang Bekasi selaku PT. Nugraha Adi Taruna menggugat perbuatan melawan hukum PN Jakarta Pusat:
Pst Tergugat selaku Penggugat terkait persoalan perusahaan tersebut masih dalam proses
Bekasi branch as PT Youth Adi Nugraha masuk dalam daftar hitam nasional pada persidangan/jawaban
Defendant as Plaintiff Bank Indonesia tergugat (bank bjb)
sues related tort issues the company Central Jakarta District
national blacklisted at Bank Indonesia Court: still in the
process of trial/answer
defendant (bank bjb)
5 334/Pdt.G/2013/PN.Bdg Cabang Sukajadi selaku Ny. Fauziah selaku Penggugat sebagai nasabah kredit macet PN Bandung: Masih
Tergugat Penggugat terhadap bank bjb Sukajadi dalam proses
Branch Sukajadi as Ny. Fauziah as Plaintiff Plaintiff was a customer of the bad loans persidangan
Defendant bank bjb Sukajadi PN Bandung: Masih
dalam proses
persidangan
6 335/Pdt.G/2013/PN.Bdg Cabang Sukajadi selaku Dedi Suhendar selaku Penggugat sebagai nasabah kredit macet PN Bandung: Masih
Tergugat Penggugat terhadap bank bjb Sukajadi dalam proses
Branch Sukajadi as Suhendar as Plaintiff Plaintiff was a customer of the bank’s bad persidangan
Defendant loans bjb Sukajadi PN Bandung: Still in the
process of trial
7 525/Pdt.G/2013/PN.Bdg bank bjb selaku PT. Comradindo Gugatan terkait dengan Perjanjian PN Bandung: Tahap
tergugat Lintasnusa Perkasa Pembelian Gedung T-Tower di Jakarta Mediasi
bank bjb as the selaku Penggugat The lawsuit related to the Purchase PN Bandung: Stage
defendant PT Comradindo Agreement T-Tower Building in Jakarta Mediation
Lintasnusa Perkasa as
Plaintiff

Posisi Perseroan bank
No Perkara Pihak Terkait Pokok/Nilai Gugatan Status Perkara
No bjb
Case Related Principal/Lawsuit Case Status
bank bjb Position
8 01/Pdt.Plw/2012/ Cabang Kuningan Edi Suwito selaku bank bjb cabang Kuningan mengajukan PN Kuningan dan
PN.Kng selaku tergugat penggugat permohonan Lelang Eksekusi terhadap Pengadilan Tinggi Jawa
Introduction
Kuningan Branch as Edi Suwito as plaintiff barang jaminan Debitur a/n Edi Suwito Barat gugatan ditolak,
Defendent yang kemudian dibantah oleh pihak sdr. masih dalam proses/
Edi Suwito belum ada putusan
bank bjb branch Kuningan to apply for kasasi
execution of the collateral Auction Debtor PN Kuningan and
a/n Edi Suwito were later denied by the West Java High Court
Edi Suwito rejected the lawsuit,
still in progress/no
decision was
Performance
9 60/Pdt.G/2013/PN.Tsm Cabang Tasikmalaya Neni Mulyani selaku Gugatan atas Perjanjian Kredit Mikro PN Tasikmalaya: Tahap
selaku Tergugat Penggugat Utama No. PK 009/KMU-A25/BJB- Mediasi
Tasikmalaya branch as Neni Mulyani as HZM/2012 PN Tasikmalaya: Stage
Defendant Plaintiff Lawsuit over Primary Micro Credit Mediation
Agreement No. PK 009/KMU-A25/BJB-
HZM/2012
10 60/Pdt.G/2013/PN.JKT. bank bjb selaku PT. MPM selaku Terjamin (PT MPM) melakukan gugatan Masih dalam tahap
Good Corporate
PST tergugat III penggugat, Bank DKI terhadap Penerima Jaminan (Bank persidangan di tingkat
Governance
bank bjb selaku selaku Tergugat I DKI) dalam proyek pengadaan sarana pertama
tergugat III PT MPM as the plaintiff, pendukung Trans Jakarta, bank bjb ditarik Still in the trial stage in
Bank DKI as Defendant dalam perkara ini karena sebagai penerbit the first degree
I garansi bank yang dipermasalahkan
Secured (PT MPM) suing Receiver Security
(Bank DKI) in project procurement and
support of Trans Jakarta, bank bjb drawn
in this case because the issuer bank
Corporate Social
guarantees in question
Responsibility
11 Putusan No. 01/ bank bjb selaku PT. Tranka Kabel selaku Dikabulkannya permohonan penundaan Dalam proses
Pdt-SUS/PKPU/2013/ kreditur separatis Debitur dalam PKPU pembayaran hutang (PKPU) PT Tranka perpanjangan jangka
PN.Niaga.JKT.Pst Jo. No. bank bjb as creditor PT Tranka Cable as Kabel oleh Pengadilan Niaga Jakarta Pusat waktu PKPU hingga 10
49/Pdt.SUS-Pailit/2013/ separatist debtor in PKPU Petition is granted debt cancellation Maret 2014
PN. Niaga.JKT.Pst (PKPU) PT Tranka cable by the Commercial In the process of
Court of Central Jakarta extension of time until
March 10, 2014 PKPU
12 09/Pdt.G/2012/PN.Tsm bjb Cabang Tasikmalaya Raden Sutisna selaku Teguran (aanmaning) atas putusan nomor Relaass pertama
Consolidated
selaku turut termohon pemohon eksekusi, 09/Pdt.G/2012/PN.Tsm aanmaning dari PN
eksekusi Ayu Nuraini dkk selaku Reprimand (aanmaning) against the Tasikmalaya
bjb Tasikmalaya Branch Termohon Eksekusi decision of a number 09/Pdt.G/2012/ The first Relaass
as co-defendant Raden Sutisna as PN.Tsm aanmaning of PN
execution the petitioner, as the Tasikmalaya
Respondent et al Ayu
Nuraini Execution
Corporate Data
Pada tahun 2013 tidak terdapat sanksi administrasi yang dikenakan In 2013, there was no administrative sanction imposed on bank bjb,
pada bank bjb, Dewan Komisaris maupun Direksi oleh otoritas the Board of Commissioners or Board of Directors, by the capital
pasar modal, perbankan atau lainnya market and banking authorities or others.
337
Whistle Blowing System Whistle Blowing System
Dalam upaya meningkatkan peran aktif para pelapor (whistleblower) In an effort to increase the active participation of the complainant
mengungkapkan/mengadukan tindakan pelanggaran yang dilakukan (whistleblower) revealed/denounce violations committed by the
para Direksi, Dewan Komisaris, dan pegawai, maka bank bjb telah Board of Directors, the Board of Commissioners, and employees, the
membentuk Sistem Pengaduan Pelanggaran (whistleblowing system/ bank has established bjb Abuse Complaint System (whistleblowing
WBS) bank bjb. system/WBS) bank bjb.
1. Penyampaian Laporan Pelanggaran 1. Submission of Violation Reports

Divisi Audit Internal memiliki Standar Operasional Prosedur The Internal Audit Division has an Anti Fraud Strategy Standard
Strategi Anti Fraud, dimana dalam SOP tersebut tercantum Operating Procedure, in which the SOP stipulates the mechanisms
mekanisme pengaduan/pengungkapan/penyingkapan tindakan of complaints/ admissions/ disclosures of fraud actions and/ or
fraud dan/atau tindak pidana di bidang perbankan yang yang criminal acts in the field of banking called the whistleblowing
disebut whistleblowing system. system.
1) Setiap pegawai yang mengetahui terjadinya indikasi 1) Any employee having the knowledge of indications of fraud
terjadinya fraud wajib melaporkan kepada divisi Audit shall report to the Internal Audit division cq Anti Fraud Unit or
Internal c.q Unit Kerja Anti Fraud atau Pemimpin Satuan respective Unit Leader accompanied by sufficient evidence.
Kerja masing masing disertai dengan bukti permulaan yang 2) Fraud action indication reports received by leader of the Unit
cukup. shall be submitted to the Internal Audit Division no later
2) Laporan indikasi tindakan fraud yang diterima oleh pemimpin than three (3) working days after the report is received.
Satuan Kerja wajib disampaikan kepada Divisi Audit Internal 3) Complaints can be submitted through;
selambat-lambatnya 3 (tiga) hari kerja setelah laporan
tersebut diterima.
3) Pengaduan tersebut dapat dilakukan melalui ;
Hotline/Helpdesk Anti Fraud : 0896-1041-3373

E-mail : AntiFraud@bankbjb.co.id
Fax : 022-4219176
Website : www.bankbjb.co.id
Surat : Divisi Audit Internal c.q Tim Audit Fraud
Menara bank bjb Lantai 6
Jl Naripan no 12-14
Bandung 40111, Jawa Barat

2. Sistem perlindungan pelapor 2. System of Protection for Complainant
Standar Operasional Prosedur Strategi Anti Fraud menjamin Anti Fraud Strategy Standard Operating Procedure ensures
kerahasiaan dan perlindungan pengungkapan/pelaporan confidentiality and protection of disclosure/reporting of fraud
tindakan fraud; acts;
1) Identitas pelapor dan pelaporan Fraud yang disampaikan , 1) The identity of the reporter and the fraud reporting
dijamin kerahasiannya oleh Bank. submitted, the confidentiality will be guaranteed by the
2) Bank berkomitmen melindungi setiap pelapor pengungkapan Bank.
fraud yang memiliki itikad baik. 2) The bank is committed to protect any disclosure of fraud
3) Pengungakapn/pelapor kejadian Fraud dilindungi oleh Bank reporting with good faith.
dari segala bentuk ancaman, intimidasi, penundaan kenaikan 3) Disclosure/ reporting of fraud incidence is protected by
pangkat, pemecatan, gugatan hukum, pengrusakan the Bank from all forms of threats, intimidation, delayed
harta benda, tindakan fisik, hukuman atau tindakan tidak promotions, termination of employment, lawsuit, destruction
menyenangkan lainnya dari terlapor , bank atau dari pihak of property, physical action, penalty or other unpleasant act
lain selama pelapor menjaga kerahasiaan kasus yang by the reported party, the bank or other parties during the
diadukan kepada pihak manapun. reporting guarantee the confidentiality of the case reported
4) Perlindungan ini juga berlaku bagi pegawai yang to any party.
melaksanakan investigasi maupun pihak yang memberikan 4) This protection also applies to employees who carry out
informasi terkait dengan pengaduan/penyingkapan. investigations as well as those who provide information
related to the complaint/ disclosure.
338 Kriteria ARA No. VI.24, VI.24.1,2

5) Pelapor yang menyampaikan laporan tindakan fraud dan/ 5) The party who reported the act of fraud/criminal act in the
atau tindak pidana dibidang perbankan yang bersifat palsu/ field of banking that is a fake/ slander are not entitled for the
fitnah tidak berhak mendapat perlindungan dari Bank. protection of the Bank.
3. Penanganan pengaduan 3. Complaint handling

Setelah menerima laporan indikasi tindakan fraud, selanjutnya After receiving the fraud action indication reports, investigation
akan dilakukan investigasi terhadap pengaduan tersebut. will be conducted on the complaint. The steps commenced
Adapun langkah kerjanya mulai dari melakukan pemberkasaan with conducting initial filing, establishing an investigative
awal, menyusun organisasi investigasi, menyusun rencana kerja, organization, determining the work plan, collecting and
mengumpulkan dan mengelola data serta menganalisis barang managing the data as well as analysing the evidence, conducting
Introduction
bukti, melakukan interview-konfirmasi-intrograsi para saksi dan interviews-confirmation-interrogation of witnesses and suspects,
tersangka, dan menyusun laporan kemajuan pemeriksaan. and preparing the investigation progress report.
4. Pengelolan Pengaduan 4. Complaint Management

Pengelolaan pengaduan dilakukan oleh Divisi Audit Internal The management of complaints is conducted by the Internal
di Grup Anti Fraud dimulai dari pengaduan sampai dengan Audit Division in the Anti Fraud Group starting from the reporting
Performance
pelaporan kepada pihak yang berwenang. of complaints up to reporting the authorities.
5. Hasil Penanganan Pengaduan 5. Complaint Results Handling

Laporan Fraud yang diperkirakan berdampak negatif secara Fraud reports estimated to have significant negative impact on
signifikan terhadap bank dan / atau nasabah, termasuk the bank and/ or customers, including to have the potential of
berpotensi menjadi perhatian publik, wajib dilaporkan kepada becoming a public concern, shall be reported to the Board of
Good Corporate
Governance
Direksi dan Bank Indonesia selambat lambatnya 3 (tiga) hari kerja Directors and Bank Indonesia no later than three (3) working
setelah investigasi selesai dilaksanakan. days after the investigation is completed.
Laporan Penyelesaian WBS Tahun 2013 WBS Settlement Report in 2013

Laporan pengaduan yang diterima sampai dengan Desember 2013 Complaints received up to December 2012 is as much as two (21)
adalah sebanyak 21 (dua puluh satu) laporan. Jumlah laporan yang reports. The number of reports that were followed by 14 (fourteen)
Corporate Social
ditindaklanjuti sebanyak 14 (empat belas) dan seluruhnya telah and all of them have had the decision remains in the form of
Responsibility
memiliki keputusan tetap berupa sanksi. sanctions.
Program Pengendalian Gratifikasi (PPG) Gratification Control Program (PPG)

Program Pengendalian Gratifikasi adalah sekumpulan perangkat dan Gratification Control Program is a collection of devices and a range
rangkaian kegiatan dan mekanisme pengendalian gratifikasi secara of activities and gratuities control mechanisms on an ongoing basis
berkesinambungan guna menjaga integritas pegawai dari praktik in order to maintain the integrity of the employees from the practice
Consolidated
gratifikasi yang dilarang. of gratification that is forbidden.
Program pengendalian gratifikasi terdiri dari pembuatan perangkat Gratuities control program consists of making the rules on controlling
aturan tentang pengendalian gratifikasi, pembentukan organisasi the graft, the establishment of the organization that manages the
yang mengelola pengendalian gratifikasi, kegiatan sosialisasi/ control of gratification, socialization/dissemination of the rules
diseminasi tentang aturan pengendalian gratifikasi dan peningkatan controlling graft and increase awareness about the gratification
Corporate Data
kesadaran individu dan organisasi tentang gratifikasi serta of individuals and organizations as well as the implementation of
implementasi pengelolaan pelaporan penerimaan gratifikasi yang gratuities receipt reporting management which is in coordination
berkoordinasi dengan pihak KPK. with the KPK.
Kegiatan sosialisasi/diseminasi Program Pengendalian Gratifikasi Activities of socialization/dissemination Gratification

sebagai bagian dalam penerapan GCG pada sepanjang tahun 2013 Control Program as part of the GCG implementation in
telah dilaksanakan kepada pihak internal maupun pihak eksternal the year 2011 have been implemented to 2,624 employees of bank
atas rekomendasi KPK. bjb including to Directors.
Dalam kegiatan diseminasi kepada pihak internal, aturan In the dissemination activities of gratuities control rules, the activity of
pengendalian gratifikasi tersebut telah dilaksanakan kegiatan Contract Signing Commitment to not accept or give any gratuity in
Kriteria ARA No. VI.24.3,4,5 339

Penandatangan Kontrak Komitmen untuk tidak menerima atau any form related to the title or positions by the stake holders of bank
memberikan gratifikasi dalam bentuk apapun yang berhubungan bjb including Directors, Commissioners, Employees, Customers, and
kedudukan atau jabatan oleh para stakeholder bank bjb antara Partners (vendor/supplier ) have been implemented.
lain Direksi, Komisaris, Pegawai, Nasabah, dan Mitra Kerja (vendor/
supplier).
Mekanisme Penanganan Pelaporan dan Pengendalian Gratifikasi

Whistleblowing Mechanism and Gratuity Control
Terkait Kedinasan Analisa

Milik Pelapor
Official Related oleh UPG
Analyzed by UPG Own by Whistleblower
Review oleh Penetapan

Hadiah/Fasilitas Pelapor Unit Pengendalian Kepemilikan
Gratuity/Facility Whistleblower Gratifikasi (UPG) Ownership
Review by UPG Determination
Analisa oleh KPK Milik Instansi

Analyzed by KPK Own by Instance
Terkait Jabatan
Position Related Milik Negara
Own by State
Analisa Rekapitulasi
Penetapan Status laporan Gratifikasi
Status Determination Recap of Gratuity
Reports
Milik Pelapor
Own by Whistleblower
Data Base
KPK
Jumlah Pelaporan Gratifikasi Total Gratuities Reporting

Dalam implementasi pengelolaan pelaporan gratifikasi sampai dengan In the implementation of gratuities reporting management up to
Desember 2013 telah diterima sebanyak 815 laporan penerimaan December 2012, as many as 541 report of accepting gratuities valued
gratifikasi ekuivalen Rp 468 juta yang mana sebanyak 154 laporan at equivalent 327.8 million have been received, of which a total of
ekuivalen Rp 110,5 juta menjadi penanganan KPK dalam penetapan 59 reports worth equivalent Rp 51.3 million was handled by KPK in
status gratifikasi yang diterima. determining the status of the gratuity received.
Jumlah Pelaporan Gratifikasi

Total Gratuities Reporting
Terkait Kedinasan
284 Related to Duty
Terkait Jabatan
Related to Position
11
284 Lainnya
Others
246
Berdasarkan hasil monitoring dan evaluasi dengan KPK diketahui Based on the result of the monitoring and evaluation with KPK
bahwa dalam menerapkan Program Pengendalian Gratifikasi (Corruption Eradication Commission) it is found out that in applying
di Lingkungan bank BUMN/D, pihak KPK akan melakukan the Gratification of Controlling Program on state banks, KPK will
koordinasi dengan Bank Indonesia dan menjadikan bank bjb coordinate with Bank Indonesia, the central bank, and to make bank
sebagai contoh penerapan PPG di sektor perbankan, serta bjb as an example in implementing PPG in banking sector, also during
selama tahun 2013 KPK telah memberikan penghargaan kepada the year of 2012, the KPK had given an award to bank bjb, among
bank bjb, diantaranya penghargaan Pelaporan Gratifikasi terbanyak them the award for the report of determination of state ownership
tahun 2013 dan Pelaporan LHKPN tahun 2013. from state enterprises, 36 reports, and award for report with having
the lowest gratification.
340
Audit Internal Internal Audit
Introduction
Toto Susanto
Audit Internal
Internal Audit
Performance
Divisi Audit Internal (DAI) merupakan bagian dari struktur Internal Audit Division (DAI) is part of internal control structure and
pengendalian internal dan merupakan segala bentuk kegiatan yang also part of all activity linked with audit and reporting of the result
berhubungan dengan audit dan pelaporan hasil audit mengenai of the audit about the realization of the control structure in an good
terselenggaranya struktur pengendalian secara terkoordinasi dalam coordination at every Bank management acts.
Good Corporate
Governance
setiap tindakan manajemen Bank.
Ketua dan Struktur Internal Audit Head and Structure of Internal Audit
Fungsi audit internal bank bjb dilaksanakan oleh Divisi Audit Intern Internal audit functions of bank bjb is carried out by Internal Audit
(DAI) yang diketuai oleh Toto Susanto (biografi Pemimpin DAI dapat Division (DAI), chaired by Toto Susanto (biography of DAI chairman
dilihat di halaman Data Perusahaan). can be viewed on the Company Data page).
Corporate Social
Responsibility
Struktur Organisasi Divisi Audit Internal
Internal Audit Division Organization Structure
Dewan komisaris
Consolidated
Direktur Utama
President Director
Komite Audit
Audit Committee
Corporate Data
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 grup anti fraud grup
Region Office I-IV audit grup information Technology audit grup isd & qa audit grup
Pemimpin Grup Pemimpin Grup
Pemimpin Grup Pemimpin Grup Pemimpin Grup
Group Head Group Head
Group Head Group Head Head Division
Kriteria ARA No. VI.13, VI.13.1,4 341

Piagam Audit Intern Internal Audit Charter

Piagam Audit Intern bank bjb ditetapkan berdasarkan Surat Internal Audit Charter of bank bjb is established under Directors
Keputusan Direksi No. 657/SK/DIR-DAI/2009 tertanggal 30 Juni 2009 Decree No. 657/SK/DIR-DAI/2009 dated June 30, 2009 on the
tentang Piagam Internal Audit Charter PT Bank Jabar Banten. Internal Audit Charter PT Bank Jabar Banten.
Pelaksanaan fungsi audit intern bank yang efektif wajib memastikan Implementation of the effectiveness of the bank’s internal audit
pemeriksaan dan penilaian atas kecukupan dan efektivitas struktur function shall ensure the audit and evaluate the adequacy and
pengendalian intern serta kualitas kinerja bank dalam rangka effectiveness of internal control structure and the quality of bank
menjaga dan mengamankan kegiatan usaha bank. performance in order to safeguard and secure the bank’s business
activities.
Fungsi DAI adalah membantu tugas Direktur Utama dan Dewan The function of Internal Audit Division (DAI) is to assist the President
Komisaris dalam melakukan pengawasan/pengendalian intern Director and the Board of Commissioners in monitoring/internal
serta berperan sebagai konsultan bagi pihak-pihak intern yang control and act as internal consultants for the parties in need.,
membutuhkan, terutama yang menyangkut ruang lingkup tugasnya particularly those involving the scope of its duties, namely:
yaitu: • Assessing the efficiency and effectiveness of internal control
• Mengkaji efisiensi dan efektivitas sistem pengendalian intern dan systems and risk management that apply through the internal
manajemen risiko yang berlaku melalui kegiatan audit intern audit activity based on the implementation of GCG and the
berdasarkan penerapan GCG dan prinsip kehati-hatian. precautionary principles (Prudential Banking).
• Menciptakan dan mengembangkan sistem audit intern bank • Creating and developing bank bjb’s internal audit system and
bjb serta menetapkan kebijakan dan prosedur pelaksanaan establish policies and procedures for internal audit in accordance
audit intern yang sesuai dengan perkembangan usaha bank with the Bank’s business development based on the GCG and
berdasarkan GCG dan prinsip kehati-hatian. the precautionary principles (Prudential Banking).
• Mengkaji ketaatan pelaksanaan sistem pengendalian intern dan • Assessing adherence to the implementation of internal control
manajemen risiko yang berlaku melalui kegiatan audit intern. systems and risk management that apply through the internal
• Merencanakan, melaksanakan, dan melaporkan hasil audit activity.
pemeriksaan kepada Direktur Utama dan Dewan Komisaris serta • Plan, execute, and report the inspection results to the President
memantau perencanaan dan pelaksanaan tindak lanjut hasil Director and the Board of Commissioners and to monitor the
audit. planning and implementation of follow-up on the results of the
• Bekerja sama di bidang pengawasan dengan unit organisasi audit.
intern dan ekstern. • Cooperating in the field of supervision with internal and external
• Pemeriksaan dan penilaian terhadap keandalan sistem organization units.
pengendalian intern pada Teknologi Sistem Informasi (TSI) yang • Examination and assessment of the reliability of the TSI’s internal
berjalan maupun yang sedang dikembangkan. control system that runs well under development.
• Mengkaji setiap usulan atau proposal, kebijakan atau sistem • Examine any recommendations or proposals, policies or systems
dan prosedur dan memberi tanggapan atas kecukupan sistem and procedures and provide feedback on the adequacy of
pengendalian intern dan risiko dalam kebijakan atau sistem internal control systems and risk in policy or system procedure
prosedur tersebut berdasarkan penerapan GCG dan prinsip based on the implementation of GCG and the precautionary
kehati-hatian. principle (Prudential Banking).
Pelaksanaan Tugas Implemetation Task

1. Sepanjang tahun 2013, Divisi Audit Internal (DAI) telah melakukan 1. Throughout 2013, the Internal Audit Division (DAI) has conducted
pemeriksaan terhadap 31 Kantor Cabang, 1 Pemeriksaan an examination to 31 Branch Offices, 1 Special Investigation to
Khusus Kantor Cabang Pembantu, 3 proses Bisnis, 1 Divisi , 1 Sub-Branch Office, 3 Business processes, 1 Division, 1 Regional
Kantor Wilayah serta pemeriksaan terhadap 4 aplikasi teknologi Office as well as an examination to 4 information technology
informasi (Dana Pensiun Lembaga Keungan, Dana Pihak Ketiga, applications (the Finance Institutions Pension Fund, Third Party
End User Computing dan Security and Access) serta pemeriksaan Fund, End User Computing, and Security and Access) as well as
khusus terhadap 1 Kantor Cabang Pembantu dengan skala a special examination on 1 Sub-Branch Office with the priority
prioritas pemeriksaan pada unit kerja yang memiliki profil risiko scale investigation on units with high risk profile.
yang tinggi.
Metodologi pemeriksaan dilakukan dengan menggunakan risk The examination methodology was performed using a risk based
based audit terutama kepada area yang memiliki potensi risiko audit, particularly to areas that have large potential risks.
yang besar.

2. Fungsi, Struktur SKAI 2. Function, Structure of the Internal Audit Unit
I. Fungsi SKAI II. Function of the Internal Audit Unit
Satuan Kerja Audit Intern (SKAI) merupakan mitra bisnis The Internal Audit Unit is a business partner of all work
seluruh unit kerja yang berfungsi memberikan assurance dan units 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.
Introduction
II. Strategi DAI 2013 II. 2013 Internal Audit Division (DAI) Strategy
Dalam melaksanakan peran sebagai strategic business In performing its role as a strategic business partner and
partner dan konsultan,DAI menetapkan langkah kerja consultant, DAI defines the work phases with the following
dengan ruang lingkup tugas sebagai berikut; scope of works;
1. Mengkaji efisiensi dan efektifitas sistem pengendalian 1. Assessing the efficiency and effectiveness of the
Performance
intern dan manajemen risiko yang berlaku melalui applicable internal control system and risk management
kegiatan audit intern berdasarkan penerapan Good through internal audit activities based on the
Corporate Governance dan prinsip kehati-hatian implementation of good corporate governance and the
(Prudential Banking). precautionary principle (Prudential Banking).
2. Menciptakan dan mengembangkan sistem audit intern 2. Creating and developing bank bjb’s internal audit
bank bjb serta menetapkan kebijakan dan prosedur system as well as establishing policies and procedures
Good Corporate
Governance
pelaksanaan audit intern sesuai dengan perkembangan for the implementation of internal audit in accordance
usaha bank berdasarkan penerapan Good Corporate with the bank’s business development based on the
Governance dan prinsip kehati-hatian (prudential implementation of good corporate governance and the
banking). precautionary principles (prudential banking).
3. Mengkaji ketaatan pelaksanaan sistem pengendalian 3. Assessing adherence to the implementation of the
intern dan manajemen risiko yang berlaku melalui applicable internal control and risk management systems
Corporate Social
kegiatan audit. through audit activities.
Responsibility
4. Merencanakan, melaksanakan dan melaporkan hasil 4. Plan, execute and report the assessment results to the
pemeriksaan kepada Direktur Utama dan Dewan President Director and the Board of Commissioners as
Komisaris serta memantau perencanaan dan pelaksanaan well as monitor the planning and implementation of
tindak lanjut. follow-up.
5. Bekerja sama di bidang pengawasan dengan unit 5. Cooperate in monitoring the internal and external
organisasi intern dan ekstern. organization units.
Consolidated
6. Pemeriksaan dan penilaian terhadap keandalan sistem 6. Examination and assessment on the reliability of the
pengendalian intern pada Teknologi informasi (TSI) yang internal control systems in information technology (TSI)
berjalan maupun yang sedang dikembangkan. that is being applied as well as those being developed.
7. Mengkaji setiap usulan atau proposal , kebijakan atau 7. Reviewing any recommendations or proposals, policies
sistem dan prosedur dan memberikan tanggapan or systems and procedures and provide a response on
atas kecukupan sistem pengendalian internal dan the adequacy of internal control systems and risks in the
Corporate Data
risiko dalam kebijakan atau sistem prosedur tersebut policy or procedure of the system based on the principles
berdasarkan prinsip Good Corporate Governance dan of good corporate governance and the precautionary
prinsip kehati-hatian (prudential banking). principles (prudential banking).
Dalam mendukung pemeriksaan yang efektif, DAI In support of an effective assessment, DAI develops a
mengembangkan aplilkasi berbasis teknologi. technology-based application.
III. Struktur dan Kedudukan Audit Internal III. Structure and Position of Internal Audit
Sesuai dengan Struktur Organisasi bank bjb Nomor 667/ In accordance with bank bjb Organizational Structure No.
SK/DIR-PS/2013 Tentang Struktur Organisasi PT. Bank 667/SK/DIR-PS/2013 on the Organizational Structure of
Pembangunan Daerah Jawa Barat dan Banten, Divisi Audit PT. Bank Pembangunan Daerah Jawa Barat dan Banten,
Internal berada dibawah komando Direktur Utama. Divisi the Internal Audit Division is under the command of the

Audit Internal dalam melaksanakan tugas dan tanggung President Director. The Internal Audit Division in carrying
jawabnya dibantu oleh 5(lima) unit / Grup Kerja , yaitu Grup out its duties and responsibilities is assisted by five (5) units/
Audit Kantor Pusat, Audit SDQA, Audit Teknologi Informasi , Work Groups, namely the Head Office Audit Group, SDQA
Audit Anti Fraud dan Audit Kantor Wilayah. Adapun struktur Audit, Information Technology Audit, Anti-Fraud Audit, and
organisasi Divisi Audit Internal saat ini yaitu: Regional Office Audit. The current organizational structure
of the Internal Audit Division is:
IV. Jumlah pegawai dan Sertifikasi IV. Number of staff and certification
Dalam melaksanakan tugas dan tanggung jawabnya, In carrying out its duties and responsibilities, the Internal
Pemimpin Divisi Audit Internal didukung oleh 9 Pemimpin Audit Division Head is supported by 9 Group Leader who
Grup yang telah mimiliki pengalaman perbankan. Setiap possessed banking experience. Each group consists of
grup terdiri dari berbagai tingkatan pegawai antara lain : various levels of employees, among others: Junior Staff,
Junior Staf, Auditor , Officer, Senior Officer, dan Manager. Auditor, Officer, Senior Officer, and Manager. The number
Jumlah Pegawai Divisi Audit Internal sampai dengan of the Internal Audit Division staff up to December 2013 is
Desember 2013 sebanyak 41 orang dengan rincian sebagai as many as 41 people with the following details:
berikut:
Jabatan Jumlah/Total Pengalaman Perbankan/Bank Experience Position
Pemimpin Divisi 1 > 21 Tahun/Year Division Head
Pemimpin Grup 8 9-26 Tahun/Year Group Head
Manager 3 6-7 Tahun/Year Manager
Senior Officer 1 > 6 Tahun/Year Senior Officer
Auditor 1 > 5 Tahun/Year Auditor
Officer 8 3-5 Tahun/Year Officer
Senior Auditor 3 > 5 Tahun/Year Senior Auditor
Junior Auditor 16 > 1 Tahun/Year Junior Auditor
Jenjang pendikan pegawai DAI sebagai berikut;

DAI employees from the education level as follows;
Jenjang Pendidikan/Education Level Jumlah/Total
S3 -
S2 1
S1 39
D3 1
3. Pemimpin Divisi Audit Internal diangkat dan diberhentikan 3. The Internal Audit Division Head is appointed and dismissed
oleh Direktur Utama dengan persetujuan Dewan Komisaris dan by the President Director with the approval of the Board of
setiap pengangkatan maupun pemberhentian jabatannya harus Commissioners and the appointment and dismissal of each
dilaporkan kepada Bank Indonesia. position must be reported to Bank Indonesia.
Sistem Pengendalian Internal Internal Control Systems
1. Pengendalian intern merupakan suatu mekanisme pengawasan 1. Internal control is a monitoring mechanism established by the
yang ditetapkan oleh manajemen Bank secara berkesinambungan management of the Bank on an ongoing basis. The management
(on going basis). Manajemen bank bjb telah menetapkan of bank bjb has determined the internal controls which include
pengendalian internal meliputi kebijakan dan peraturan policies and regulations in order to obtain reasonable assurance
dalam rangka memperoleh keyakinan yang memadai bahwa that the interests of the Bank, the depositors community and
kepentingan Bank, masyarakat penyimpan dana dan pengguna service users as well as the national economy can be maintained
jasa serta perekonomian nasional dapat terpelihara dengan in harmony and can be implemented effectively and efficiently.
serasi dan dapat dilaksanakan dengan efektif dan efisien.
344 Kriteria ARA No. VI.13.2,6, VI.16, VI.16.1

DAI melakukan pemeriksaan kepada seluruh aktivitas kerja unit The Internal Audit Division (DAI) assesses all work units activities
kerja dengan tujuan untuk: with the following objectives:
1. Effectiveness and efficiency of operations – yaitu efektivitas 1. Effectiveness and efficiency of operations – namely the
dan efisiensi penggunaan sumber daya perusahaan, seperti effectiveness and efficiency of company resources utilizations,
aktiva tetap, personil, modal, reputasi dan kemampuan such as fixed assets, personnel, capital, reputation and
berproduksi; production ability;
2. Reliability of financial reporting – yaitu penyajian laporan 2. Reliability of financial reporting – namely the presentation of
keuangan yang akurat dan tepat waktu; financial statements that are accurate and timely;
3. Compliance with applicable laws and regulations – yaitu 3. Compliance with applicable laws and regulations –
bahwa perusahaan telah mematuhi semua peraturan yang namely that the company has complied with all applicable
Introduction
berlaku, antara lain peraturan Bank Indonesia, Perpajakan, regulations, including Bank Indonesia regulations, Taxation,
Bapepam, dsb. Bapepam, and others..
2. Kesesuaian Pengendalian Internal dengan COSO 2. Conformity of Internal Control with COSO
1. Control Environment 1. Control Environment
Lingkungan Pengendalian merupakan bagian penting Control environment is an important part of the corporate
Performance
dari budaya perusahaan. Direksi dan Manajemen Senior culture. The Board of Directors and Senior Management build
membangun keteladanan (tone at the top) berkenaan exemplaries (tone at the top) with respect to the importance
dengan pentingnya pengendalian intern termasuk standar of internal controls, including standards of conduct and
perilaku dan etika. Bentuk nyata dari komitmen Managemen ethics. The real form of the Management’s commitment in
dalam upaya membangun budaya sadar risiko yaitu dengan building a culture of risk awareness is by establishing the
menetapkan program ”Zero Fraud” di tahun 2013. “Zero Fraud” program in 2013.
Good Corporate
Governance
Direksi berkomitmen melakukan kegiatan pengendalian The Board of Directors is committed conduct internal
internal dengan menyetujui struktur organisasi, menetapkan control activities by approving the organizational structure,
wewenang dan tanggungjawab, mereview secara periodik establishing the authorities and responsibilities, periodically
keseluruhan strategi bisnis dan kebijakan Bank, pemahaman reviewing the overall business strategy and policy of the
risiko utama bank serta menetapkan tingkat risiko yang Bank, understanding the bank’s main risks as well as
Corporate Social
dapat diterima dan memastikan manajemen senior establishing acceptable levels of risk and ensure that senior
Responsibility
telah melaksanakan proses manajemen risiko mulai dari management has implemented risk management processes
identifikasi risiko sampai dengan pengendalian risiko, serta from risk identification to risk control, as well as ensuring
memastikan manajemen senior memantau efektifitas dari that the senior management monitors the effectiveness of
sistem pengendalian internal. the internal control systems.
Direksi dan manajemen senior menetapkan standar etika The Board of Directors and senior management establishes
Consolidated
dan integritas yang tinggi serta mengembangkan budaya high ethical and integrity standards as well as developing
yang menekankan dan memperlihatkan kepada seluruh a culture that emphasizes and demonstrates all employees
karyawan mengenai pentingnya pengendalian intern. regarding the importance of internal control.
2. Risk Assessment 2. Risk Assessment

Sistem pengendalian intern yang efektif dapat An effective internal control system can identify and
Corporate Data
mengidentifikasi dan menelaah risiko yang secara material analyse risks that are materially and significantly affect
dan signifikan akan mempengaruhi pencapaian tujuan the achievement of the goals and objectives of the Bank.
dan sasaran Bank. Penelaahan harus mencakup seluruh The review should cover all risks faced by the Bank on a
risiko yang dihadapi Bank secara konsolidasi (antara lain: consolidated basis (among others: credit risk, market risk,
risiko kredit, risiko pasar, risiko likuiditas, risiko operasional, liquidity risk, operational risk, legal risk, reputation risk,
risiko hukum, risiko reputasi, risiko kepatuhan, dan risiko compliance risk, and strategic risk)..
strategik).
3. Control Activities 3. Control Activities

Direksi menyusun dan menyetujui seluruh kebijakan dan prosedur The Board of Directors prepares and approves all policies and
bagi seluruh unit bisnis utama dan unit supporting yang secara procedures for all major business units and supporting units that
berkala dilakukan review dan pengkinian. are periodically being reviewed and updated.

Kebijakan dan prosedur yang telah ditetapkan tersebut The policies and procedures which have been established explain
menjelaskan aktivitas pengendalian pada setiap tingkatan serta the control activities at all levels as well as appropriate separation
adanya pemisahan tugas yang tepat sehingga tidak terjadi of duties so there will be no conflicts of interest / responsibility.
benturan kepentingan/tanggung jawab. .
4. Information and Communication 4. Information and Communication

Informasi merupakan aspek penting dalam pengambilan Information is an important aspect in decision making, hence
keputusan, sehingga diperlukan penyampaian informasi necessary details and information submission in a timely manner
secara detail dan tepat waktu. Informasi tersebut berupa data are required. The information can be in the form of comprehensive
finansial, operasional dan kepatuhan yang komprenhensif serta financial data, operational data, and compliance data as well as
informasi pasar yang relevan untuk dijadikan dasar pengambilan relevant market information on which to base the decisions. In
keputusan. Selain itu diperlukan Sistem Informasi dan Saluran addition, effective Information Systems and Communication
Komunikasi yang efektif untuk memastikan informasi di terima Channels are required to ensure the information is received by
oleh karyawan yang tepat. the right employees.
5. Monitoring 5. Monitoring
Evaluasi secara terus menerus dibangun didalam proses bisnis Evaluation is continuously being developed in business processes
pada tingkatan yang berbeda, memberikan informasi secara tepat at different levels, providing information in a timely manner.
waktu. Sedangkan, Divisi Audit Internal melakukan pemantauan Meanwhile, the Internal Audit Division conducts periodical
secara berkala terhadap efektifitas keseluruhan pengendalian monitoring on the overall effectiveness of internal control.
internal. Pemantauan diprioritaskan kepada risiko utama dan Monitoring is prioritized to major risks and risks that have the
risiko yang memiliki dampak yang besar. Adanya kekurangan greatest impact. Deficiencies in internal control are communicated
dalam pengendalian internal (deficiencies) dikomunikasikan to the management and the Board of Directors.
kepada manajemen dan dewan direksi.
Divisi Audit Internal didukung oleh jumlah dan kompetensi The Internal Audit Division is supported by a sufficient number
memadai yang telah memiliki pengalaman untuk mengevaluasi and competence who have the experience to evaluate the overall
keseluruhan sistem pengendalian internal atas kegiatan system of internal control over operations.
operasional.

Pengendalian internal merupakan rangkaian proses yang Internal control is a series of processes carried out by the Board
dilakukan oleh Dewan Direksi, Manajemen dan personil bank of Directors, Management and bank bjb personnels on an on-
bjb secara berkesinambungan (on going basis) dalam rangka going basis in order to provide reasonable assurance on the
memberikan keyakinan yang memadai tentang pencapaian achievement of objectives. The objectives of bank bjb internal
tujuan. Tujuan pengendalian internal bank bjb adalah: control are:
1. Effectiveness and efficiency of operation, yaitu efektivitas 1. Effectiveness and efficiency of operation, namely the
dan efisiensi penggunaan sumber daya perusahaan, effectiveness and efficiency of company resources utilizations,
seperti aktiva tetap, personil, modal, reputasi, kemampuan such as fixed assets, personnel, capital, reputation, production
berproduksi dan pengamanan sumber daya. ability, and securing resources.
2. Realibility of financial reporting, yaitu penyajian laporan 2. Reliability of financial reporting, namely the presentation
yang akurat dan tepat waktu baik untuk internal maupun of financial statements that are accurate and timely for the
eksternal (publik). internal of the bank as well as external (publis).
3. Compliance with applicable laws and regulations, yaitu 3. Compliance with applicable laws and regulations, namely that
bahwa perusahaan telah mematuhi semua peraturan the company has complied with all applicable regulations,
yang berlaku, antara lain Undang – Undang , Peraturan among others the Legislation, Government Regulations,
Pemerintah, Peraturan Bank Indonesia, perpajakan dan Bank Indonesia regulations, Taxation, Bapepam, and others.
Bapepam-LK. .
346
Kegiatan Audit Internal 2013 Internal Audit Activities in 2013
Pemerikasaan yang dilakukan sesuai dengan Rencan Bisnis Bank Divisi Assessments conducted are in accordance with the Bank Business
Audit Internal tahun 2013 yang telah disetujui oleh Direktur Utama. Plan Internal Audit Division 2013 which has been approved by the
Terhitung sejak tanggal 1 Januari 2013 sampai dengan 31 Desember President Director. Effective from 1 January 2013 to 31 December
2013, DAI telah melakukan pemeriksaan secara independen terhadap 2013, DAI has performed independent assessments on the
unit operasional Kantor Cabang, Divisi dan Kantor Wilayah, proses operational units of Branch Office, Division and Regional Office,
bisnis serta teknologi informasi secara menyeluruh. Adapun realisasi business processes as well as information technology as a whole. The
kegiatan audit dibandingkan rencana sebagai berikut: realization of the audit activities compared to the plan is as follows:
Introduction
Rencana Realisasi
Aktivitas Audit Audit Activities
Plan Realization
Audit Umum Kantor Cabang 32 31 General Audit Branch Offices
Audit Divisi 3 2 Audit Division
Audit Kantor Wilayah 1 1 Audit Regional Office
AUDIT Proses Bisnis 2 2 Audit Business Processes
Performance
Audit Proses Teknologi Informasi 4 4 Information Technology Audit Process
Laporan Semester 2 2 Semester Reports
Menjadi LO untuk Kegiatan Pemeriksaan BI 1 2 Being BI LO for Inspection Activities
dan BPK RI and BPK RI
Audit Fraud/Audit Khusus 0 26 Fraud Audit /Special Audit
Good Corporate
Governance
Terdapat realisasi kegiatan yang tidak sesuai dengan rencana There is a realization of activity that do not comply with the assessment
pemeriksaan, yaitu audit 1 (satu) Kantor Cabang dan 1 (satu) Divisi. plan, namely the audit of 1 (one) Branch and 1 (one) Division. This
Hal tersebut disebabkan aanya peningkatan pemeriksaan khusus is due to the increase special examination outside the schedule
diluar jadwal yang harus ditindaklanjuti dengan segera dan menyita which must be followed up immediately and time consuming to the
waktu pemeriksaan yang terjadwal. scheduled assessments.
Corporate Social
Evaluasi Sistem Pengendalian Internal Internal Control System Evaluation
Responsibility
Evaluasi pengendalian intern yang dilakukan oleh Auditor Internal Evaluation of internal control conducted by the Internal Auditor
melalui proses audit terhadap auditee menunjukkan bahwa desain through the audit process to the auditee indicates that the design
kebijakan dan prosedur telah ada (present) dan telah dijalankan of policies and procedures have been present and has been
dalam proses operasional bank secara memadai (functioning). implemented in the bank’s operations adequately (functioning).
Terdapat beberapa hasil temuan dalam penerapan pengendalian There are several findings in the application of these controls which
tersebut menunjukkan adanya kekurangan dan kelemahan. showed deficiencies and weaknesses.
Consolidated
Permasalahan terkait dengan kecukupan pengendalian internal Issues related to the adequacy of the internal controls are reported
tersebut dilaporkan kepada Direksi untuk mendapat tindaklanjut to the Board of Directors to receive follow up improvements in which
perbaikan yang dalam pelaksanaannya dipantau oleh Divisi Audit in its implementation is monitored by the Internal Audit Division. In
Internal. Selain itu, laporan disampaikan kepada Dewan Komisaris addition, the reports are submitted to the Board of Commissioners
melalui Komite Audit. through the Audit Committee.
Corporate Data

Audit EKSTERNAL EXTERNAL Audit
Audit Eksternal External Audit

Berdasarkan hasil keputusan RUPS bank bjb pada tanggal 25 Maret Based on the bank bjb GMS’s decision on March 28, 2011, the
2013, ditetapkan akuntan publik yang melakukan audit Laporan public accountant appointed to audit bank bjb’s financial report the
keuangan bank bjb periode 31 Desember 2013 adalah: period December 31, 2011 are:
KAP Purwantono, Suherman & Surja

(The Indonesian member firm of Ernst & Young Global Limited)
Gedung Bursa Efek Indonesia
Menara 2 Lantai 7
Jl. Jend. Sudirman Kav. 52-53
Jakarta 12190
Indonesia
Telp. (021) 5289 5000
Fax. (021) 5289 4545
Yang menjadi tugas pokok yaitu melakukan audit laporan keuangan The main task is to audit bank bjb’s financial statements bank bjb on
bank bjb pada tanggal dan untuk tahun yang berakhir pada the date and for the year ended December 31, 2011, in accordance
tanggal 31 Desember 2013, berdasarkan standar auditing yang with the auditing standards established by the Indonesian Institute
ditetapkan oleh Institut Akuntan Publik Indonesia. Standar tersebut of Certified Public Accountants. Those standards requires Public
mengharuskan Akuntan Publik merencanakan dan melaksanakan Accountants to plan and perform the audit to obtain reasonable
audit agar memperoleh keyakinan yang memadai bahwa laporan assurance that whether the financial statements are free of material
keuangan bebas dari salah saji yang material. Akuntan Publik misstatement. Public Accountant is responsible for the feedback given
bertanggungjawab atas pendapat yang diberikan terhadap laporan to the audited financial statements. Public Accountant duties include
keuangan yang diaudit. Tugas Akuntan Publik meliputi pemeriksaan examination on a test basis, evidence supporting the amounts and
atas dasar pengujian, bukti-bukti yang mendukung jumlah-jumlah disclosures in the financial statements.
dan pengungkapan dalam laporan keuangan.
Di tahun 2013 tidak ada jasa lain yang diberikan akuntan publik. There were no other service provided by the public accountant in
2013.
Tahun Kantor Akuntan Publik Nama Akuntan (Perorangan) Biaya

Year Public Accounting Firm Accountant Name (Individual) Fee
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
2013 Ernst & Young Benyanto Suherman Rp 1.675.000.000.000
348 Kriteria ARA No. VI.14, VI.14.1,2,3

Code of Conduct Code of Conduct
1. Standar tata perilaku yang menjadi acuan setiap insan bank bjb 1. Code of conduct used as reference by every person of bank
(Komisaris, Direksi, dan Pegawai) dalam mengelola perusahaan bjb (Commissioner, Director, and Employee) in managing the
adalah: 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 menghasilkan • Cost consideration professionals working to generate
kinerja yang optimal, jujur, sopan dan tertib performance that is optimal, honest, courteous and
• Saling menghargai, terbuka menerima kritik dan saran orderly
serta menyelesaikan masalah dengan musyawarah • Mutual respect, open to criticism and advice and resolve
mufakat problems with the consensus agreement
• Saling membantu, memotivasi dan bekerja sama dalam • Help and motivate each other, and cooperate in
Introduction
melaksanakan tugas performing the duties.
• Mengkomunikasikan setiap ide baru dan saling • Communicate any new ideas and mutual transfer of
mentransfer pengetahuan dan kemampuan knowledge and skills
• Mengambil inisiatif dan mengembangkan kompetensi • Take the initiative and develop competence in performing
dalam melaksanakan tugas the duties
• Berani mendiskusikan kebijakan yang kurang tepat untuk • Have the initiative to discuss the lack of proper policy to
Performance
melakukan koreksi yang konstruktif secara santun conduct constructive correction properly
• Menghargai perbedaan gender, suku, agama, ras dan • Respecting the differences of gender, ethnicity, religion,
antar golongan race and among groups
b. Insan bank bjb memanfaatkan data dan informasi b. Person of bank bjb utilizes company data and information to
perusahaan untuk meningkatkan nilai tambah perusahaan enhance corporate value and decision-making by:
dan pengambilan keputusan dengan cara: • Use an adequate system of data security
Good Corporate
Governance
• Menggunakan sistem keamanan data yang memadai • Provide information that is relevant and proportionally
• Memberikan informasi yang relevan dan proporsional to the stakeholders while continuing to consider the
kepada stakeholders dengan tetap mempertimbangkan interests of the company
kepentingan perusahaan • Avoid the dissemination of data and information to
• Menghindari penyebarluasan data dan informasi kepada other parties who are not of interest either during or
pihak lain yang tidak berkepentingan baik selama after employment.
Corporate Social
bekerja maupun setelah berhenti bekerja • Submit all data related to the company at the end of
Responsibility
• Menyerahkan semua data yang berhubungan dengan tenure
perusahaan pada saat berhenti bekerja • Maintain confidentiality of client information in
• Menjaga kerahasiaan informasi nasabah sesuai dengan accordance with applicable statutory provisions
ketentuan perundang-undangan yang berlaku
c. Insan bank bjb mengoptimalkan penggunaan harta c. Person of bank bjb optimizes the use of company property
perusahaan dengan cara: by way of:
Consolidated
• Bertanggung jawab atas pengelolaan harta perusahaan • Responsible for the management of a company property
dan menghindarkan penggunaannya di luar kepentingan and avoid its use outside the company’s interests
perusahaan • Securing corporate assets from damage and loss
• Mengamankan harta perusahaan dari kerusakan dan • Save energy consumption
kehilangan
• Melakukan penghematan pemakaian energi
Corporate Data
d. Insan bank bjb mengelola data secara rapi, tertib, teliti, d. Person of bank bjb manage data in a neat, orderly, thorough,
akurat dan tepat waktu dengan cara: accurate and timely manner:
• Mencatat data dan menyusun laporan berdasarkan • Record the data and prepare reports based on the true
sumber yang benar dan dapat dipertanggungjawabkan and reliable sources
• Menyajikan laporan secara singkat, jelas, tepat, • Presenting report in a brief, clear, precise, and in
komunikatif untuk dipergunakan dalam pengambilan communicative manner to be used in decision-making
keputusan dan umpan balik guna perbaikan kinerja and feedback for performance improvement
• Tidak menyembunyikan data dan laporan yang • Do not hide any data and reports that should be
seharusnya disampaikan submitted
e. Insan bank bjb menghindari kondisi, situasi ataupun kesan e. Person of bank bjb avoid the condition, situation or
adanya benturan kepentingan dan penyalahgunaan jabatan appearance of conflict of interest and abuse of office by:
dengan cara:
Kriteria ARA No. VI.23.1 , VI.23.2 349

• Menghindari pemberian perlakukan istimewa terhadap • Avoid giving preferential treatment to certain parties
pihak-pihak tertentu diluar prosedur dan ketentuan outside of the procedures and regulations that lead to
yang berlaku yang menimbulkan kerugian bank atau bank losses or reduce bank profits.
mengurangi keuntungan bank • Not allow the occurrence of any decision-making,
• Tidak memperkenankan terjadinya pembuatan especially decisions that may affect the achievement
keputusan apapun, terutama keputusan-keputusan yang of KPI (Key Performance Indicators) of bank bjb
dapat mempengaruhi pencapaian KPI (Key Performance directly, which is affected by the personal interests of
Indicators) bank bjb secara langsung, yang dipengaruhi Commissioners, Directors, Officers and Employees, both
kepentingan pribadi Komisaris, Direksi, Pejabat dan in the working relationship between employees and
Pegawai, baik dalam hubungan kerja antar pegawai parties in connection outside bank bjb
maupun dalam kaitan dengan pihak diluar bank bjb • However if the decision remains to be taken, the related
• Namun demikian apabila keputusan tetap harus diambil parties must put the interests of banks as priority and
maka pihak-pihak dimaksud harus mengutamakan prevent the Bank from losses that may arise or the
kepentingan bank dan menghindarkan Bank dari kerugian possibility of reducing bank profits and the conflicts of
yang mungkin timbul atau kemungkinan berkurangnya interest condition must be disclosed in every decision
keuntungan bank serta wajib mengungkapkan kondisi f. Person of bank bjb does not accept gifts/facilities of any kind
benturan kepentingan tersebut dalam setiap keputusan relating to the office and work except within the limits of
f. Insan bank bjb tidak menerima hadiah/fasilitas dalam bentuk reasonableness and propriety as set forth in the Guidelines
apapun yang berhubungan dengan jabatan dan pekerjaannya for Control of Gratification
kecuali dalam batas kewajaran dan kepatutan sebagaimana g. Person of bank bjb may give a gift/facilities to other parties
diatur dalam Pedoman Pengendalian Gratifikasi to support the interests of the company, not intended as
g. Insan bank bjb dapat memberikan hadiah/fasilitas kepada bribe, has been budgeted by the company, and if the gift/
pihak lain dengan syarat untuk menunjang kepentingan facilities is in the form of souvenir then it must contain the
perusahaan, tidak dimaksudkan untuk menyuap, telah logo/name PT Bank Pembangunan Daerah Jawa Barat dan
dianggarkan oleh perusahaan dan apabila hadiah/fasilitas Banten, Tbk.
berupa benda cinderamata maka harus mencantumkan h. bank bjb provides credit collection fee in accordance with
logo/nama PT Bank Pembangunan Daerah Jawa Barat dan internal policies and terms and are regulated in the Guidance
Banten, Tbk. Control of Gratification
h. bank bjb memberikan biaya penagihan kredit sesuai i. Person of bank bjb is free from drugs and alcohol abuse
ketentuan internal yang berlaku dan hal tersbut diatur dalam j. Person of bank bjb is neutral to all political parties in a way:
Pedoman Pengendalian Gratifikasi. • Does not use company facilities for the benefit of any
i. Insan bank bjb bebas dari penyalahgunaan narkoba dan certain group/political party
miras. • Not holding a concurrent position as a political party
j. Insan bank bjb bersikap netral terhadap semua partai politik officials or members of the legislative
dengan cara: • Does not carry, display, install and distribute symbol,
• Tidak menggunakan fasilitas perusahaan untuk pictures and ornaments of political parties in the
kepentingan golongan/partai politik tertentu
company.
• Tidak merangkap jabatan sebagai pengurus partai politik
2. Commissioners and or Board of Directors may decide the act of
dan atau anggota legislatif
giving guidance, discipline and sanctions as well as preventive or
• Tidak membawa, memperlihatkan, memasang
corrective actions to be implemented by the immediate supervisor
serta mengedarkan simbol, gambar dan
in each environment to person of bank bjb who violates the
ornamen partai politik di lingkungan perusahaaan
Code of Conduct
3. Act violating the Code of Conduct including the types of
2. Komisaris dan atau Direksi dapat memutuskan pemberian
employee actions that may be subject to sanctions in terms of
tindakan pembinaan, sanksi disiplin dan atau tindakan perbaikan
types of actions:
serta pencegahan yang harus dilaksanakan oleh atasan langsung
a. Violation of Work Culture, Leadership and Employee
di lingkungan masing-masing terhadap insan bank bjb yang
Behaviour standard of bank bjb
melakukan pelanggaran Code of Conduct
b. Violate the Indonesian Bankers Code of Ethics
3. Tindakan pelanggaran Code of Conduct termasuk jenis perbuatan
pegawai yang dapat terkena sanksi dalam hal jenis perbuatan:
a. Melanggar Budaya Kerja, Perilaku Pimpinan dan Pegawai
bank bjb
b. Melanggar Kode Etik Bankir Indonesia

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 (satu) • Delay of periodic salary increases for the maximum of 1
tahun (one) year
• Penurunan gaji sebesar 1 (satu) kali kenaikan gaji berkala • Reduction in salary of 1 (one) time the regular salary
untuk paling lama 1 (satu) tahun increases for no longer than 1 (one) year
Introduction
• Penundaan kenaikan pangkat untuk paling lama 1 (satu) • Delay of promotion for a maximum of 1 (one) year
tahun c. Severe administrative sanctions in the form of:
c. Sanksi Administrasi Berat berupa: • Demotion in rank to a lower level for the maximum of 1
• Penurunan pangkat pada pangkat yang tingkat lebih (one) year
rendah untuk paling lama 1 (satu) tahun • Demotion
• Penurunan jabatan • Exemption from office
Performance
• Pembebasan dari jabatan • Suspension
• Pemberhentian sementara • Dishonourable discharge not at its own request as
• Pemberhentian dengan tidak hormat tidak atas employee
permintaan sendiri sebagai pegawai • Dishonourable discharge as employee
• Pemberhentian tidak hormat sebagai pegawai.
Good Corporate
Budaya Perusahaan Corporate Cultare
Governance
Dalam rangka mendukung pencapaian visi dan misi bank bjb In order to support the achievement of the vision and mission of bank
menjadi 10 bank terbesar dan berkinerja baik di Indonesia, Perseroan bjb to become the largest 10 banks and good performing bank in
telah melakukan beberapa perubahan, salah satunya perubahan Indonesia, the Company has made several changes, one of the change
budaya perusahaan. Budaya perusahaan tersebut mencerminkan is in corporate culture. The corporate culture reflects the spirit of bank
semangat bank bjb dalam menghadapi persaingan perbankan yang bjb in the face of a tighter and more dynamic banking competition.
Corporate Social
semakin ketat dan dinamis. Nilai-nilai budaya perusahaan yang telah The company values that has been formulated is the GO SPIRIT, which
Responsibility
dirumuskan yaitu GO SPIRIT merupakan perwujudan dari Service is the embodiment of the Service Excellence, Professionalism, Integrity,
Excellence, Profesionalism, Integrity, Respect, Intelligence, Trust yang Respect, Intelligence, Trust defined in 14 primary behaviour.
dijabarkan dalam 14 perilaku utama.
Go Spirit Go Spirit
Panduan untuk pelaksanaan budaya perusahaan ini telah tersusun Guidelines for the implementation of this corporate culture has been
Consolidated
dalam pedoman budaya perusahaan bank bjb. arranged in the guidelines of bank bjb.
bank bjb telah melakukan beberapa langkah sebagai upaya bank bjb has taken several steps in an effort to socialize values that
sosialisasi nilai-nilai perusahaan yang berada di bawah koordinasi are under the coordination of Change Management Office Division.
Divisi Change Management Office. Proses sosialisasi tersebut dibantu Socialization process is also assisted by Change Leaders and Change
pula oleh Change Leaders dan Change Agents yang telah ditunjuk di Agents who have been appointed in all work units to be able to
Corporate Data
seluruh unit kerja untuk dapat mensosialisasikan perubahan budaya disseminate a cultural change to each work unit. The programs have
kepada unit kerjanya masing-masing. Program-program yang telah been implemented by the Change Management Office Division
dilaksanakan oleh Divisi Change Management Office antara lain: include:
• Pembentukan tim internalisasi budaya yang terdiri dari change • Formation of cultural internalization team consisting of change
sponsors, change leaders, change agents, dan change targets, sponsors, change leaders, change agents and change targets,
serta Divisi Change Management Office sebagai Divisi yang as well as the Change Management Office Division as a division
bertanggung jawab dalam proses internalisasi budaya secara responsible in the process of culture internalization as a whole.
keseluruhan. • Training and socialization to Change Leaders and Change
• Training dan sosialisasi kepada Change Leaders dan Change Agents.
Agents. • Printing socialization media such as x-banner, sign wall, pocket
• Pencetakan media sosialisasi berupa x-banner, sign wall, buku books, manuals, PIN and Hologram Card.
saku, buku pedoman, PIN dan Kartu Hologram.

• Program pembahasan ketentuan perusahaan (termasuk tentang • Discussion programs on company provisions (including on
budaya perusahaan) di seluruh unit kerja secara periodik, minimal corporate culture) in all work units periodically, at least once per
1 (satu) bulan sekali. month.
• Survei budaya perusahaan untuk mengetahui dan mengevaluasi • Corporate culture surveys to determine and evaluate the level of
tingkat pengetahuan, pemahaman, persepsi kepentingan dan knowledge, understanding, perception and belief in the interests
keyakinan para pegawai terhadap proses transformasi organisasi of the employees on the company’s organizational and cultural
dan budaya perusahaan. transformation.
Agar nilai-nilai perusahaan tersebut dapat di implementasikan oleh To enable the company’s values to be implemented by all levels of the
seluruh jajaran organisasi bank bjb dalam setiap aktivitas sehari- organization of bank bjb in every activities of daily living, efforts to
hari, maka dilakukan upaya internalisasi nilai-nilai melalui program- internalize the values was conducted through programs such as:
program antara lain: • Advanced Training for change agents and change leaders.
• Training lanjutan bagi change agents dan change leaders. • Workshop Cristalizing Concept bank bjb transformation strategy
• Workshop Cristalizing Concept reformulasi strategi transformasi reformulation
bank bjb. • Encourage each work units to have a culture program.
• Mendorong setiap unit kerja untuk memiliki program budaya. • Integrate the culture values in the HR system
• Mengintegrasikan nilai-nilai budaya dalam HR system.
Proses perubahan budaya bukanlah suatu hal yang mudah, namun The process of cultural change is not easy, but with a strong
dengan adanya komitmen yang kuat dari seluruh jajaran organisasi commitment from all levels of the organization, especially the
bank bjb terutama top management, maka bank bjb optimis dapat top management of bank bjb, the bank is optimistic to make the
melakukan transformasi dan mencapai visi dan misinya. transformation and achieve its vision and mission.
Change Agent Change Agent

Perusahaan membentuk Change Agent sebagai salah satu upaya A firm establishes Change Agent as an efforts to synchronize
menyelaraskan pertumbuhan bisnis yang dinamis yang didukung the dynamic business growth supported by the best corporate
dengan penerapan budaya perusahaan yang terbaik. governance culture.
Fungsi dan Tugas Function and duty

Berdasarkan Pedoman Budaya Perusahaan yang telah disahkan Based on Firm Cultural Guidance legalized through the decree of
melalui Surat Keputusan Direksi nomor: 1405/SK/BOD-CMO/2010, Member of Board Directors number : 1405/SK/BOD-CMO/2010, at
pada Bab VI mengenai Tim Internalisasai Budaya Perusahaan bank chapter VI about the Team of Internalization of Company’s Culture
bjb, tugas dan tanggung jawab Change Agent adalah sebagaimana at the bank bjb.
dipaparkan di bawah ini.
Change Agent bertanggung jawab dalam proses implementasi, Change Agent takes a responsibility in the process of implementation,
monitoring, dan evaluasi perubahan budaya pada unit kerjanya monitoring, and evaluation of cultural change at its every work unit.
masing-masing.
Tugas Change Agent bank bjb adalah: Tasks of Change Agent of bank bjb are as follows:
1. Mensosialisasikan, menularkan, dan mendorong implementasi 1. To socialize, spread, and encourage implementation of
perubahan budaya di masing-masing unit kerja. culture change at every unit.
2. Menegur pegawai yang tidak menerapkan budaya perusahaan 2. To give warning an official ignoring to apply firm’s culture at
bank bjb (berperilaku negatif). bank bjb (negative behaviour).
3. Memonitor implementasi perubahan budaya di unit kerja 3. To monitor the implementation of change of firm culture at each
masing-masing dengan mengisi form monitoring implementasi work units at the company.
budaya perusahaan. 4. To evaluate the implementation of change of culture in each
4. Mengevaluasi implementasi perubahan budaya dalam masing- work unit periodically and continuously (once in three months).
masing unit kerja secara berkala dan kontinu (3 bulan sekali). 5. To deliver the report of the implementation of cultural change
5. Menyampaikan laporan implementasi perubahan budaya (hasil (the result of monitoring form) to change leader and then it is
isian form monitoring) kepada change leader untuk kemudian passed to Division of Change Management Office.
diteruskan kepada Divisi Change Management Office.
352
Mengingat tugas-tugas Change Agent tersebut, maka telah Noting the tasks of the Change Agent, so it has also been determined
ditetapkan pula karakteristik dasar yang harus dimiliki oleh Change the main characteristic which must be had by Change Agent, they
Agent, yaitu: are:
1. Dapat menjadi role model dan motivator untuk meningkatkan 1. They can be a role model and motivator to step up work
kinerja. performance.
2. Culturally adapative, bisa beradaptasi dengan berbagai ragam 2. Culturally adaptive, they can adapt with various cultures during
budaya dalam bekerja. work.
3. Socially responsible, bersikap tanggung jawab sosial (tidak 3. Socially responsible, They have social responsibility (not
individual). being individual).
4. Active learner, mau mengembangkan dirinya dengan belajar hal- 4. Active learner, they want to develop themselves by learning new
Introduction
hal baru. things.
5. Memiliki kreativitas yang tinggi dan sanggup berinovasi dengan 5. They have high creativity and can have innovation by producing
menghasilkan berbagai hal-hal baru. new things.
6. Bersikap tegas. 6. Be firm.
Performance
Good Corporate
Governance
Corporate Social
Responsibility
Consolidated
Corporate Data
353
Akses Informasi Data Perusahaan Access to Company Information
Dalam upaya memberikan informasi yang transparan kepada publik In the effort to provide transparent information to the public relating
berkaitan dengan perkembangan dan pelaksanaan pengelolaan to the development and implementation of bank bjb’s business
usaha Bank serta demi menjalankan program komunikasi pemasaran, management and to perform marketing communications program,
di tahun 2013 bank bjb telah menggunakan beragam perangkat in the year 2013 the Company has used various devices to convey
untuk menyampaikan informasi penting yang perlu diketahui para important information needed to know by the stakeholders.
pemangku kepentingan diantaranya mekalui:
1. website www.bankbjb.co.id 1. website www.bankbjb.co.id
2. bjb call 14049 2. bjb call 14049
3. korespondesi surat 3. korespondesi surat
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 regulator The following is a list of reports submitted to regulators for the year
maupun Self Regulatory Organization (SRO) selama tahun 2013: 2013:
Tanggal No. Surat Perihal Rujukan/Ketentuan

Date Leetter Number Subject Refference
14 Februari 2013 061/DIR-CS/2013 Pemberitahuan Rencana Penyelenggaraan RUPS Ketua Otoritas Jasa Keuangan, Up. Kepala Eksekutif
Notice enforcement AGM Plan Pengawas Pasar Modal
14 Februari 2013 061/DIR-CS/2013 Pemberitahuan Rencana Penyelenggaraan RUPS PT Bursa Efek Indonesia, Up. Divisi Penilaian
Notice enforcement AGM Plan Perusahaan Sektor Jasa
14 Februari 2013 061/DIR-CS/2013 Pemberitahuan Rencana Penyelenggaraan RUPS PT Kustodian Sentral Efek Indonesia
Notice enforcement AGM Plan
14 Februari 2013 061/DIR-CS/2013 Pemberitahuan Rencana Penyelenggaraan RUPS Bank Indonesia-Bandung

Notice enforcement AGM Plan
21 Februari 2013 068/DIR-CS/2013 Penyampaian Bukti Iklan Pemberitahuan Rapat Umum Pemegang Ketua OJK, Up. Kepala Eksekutif Pengawas Pasar
Saham Tahunan Tahun Buku 2012 Modal
Submission of Advertisement Notice Annual General Meeting of
Shareholders for Fiscal Year 2012
21 Februari 2013 068/DIR-CS/2013 Penyampaian Bukti Iklan Pemberitahuan Rapat Umum Pemegang PT Bursa Efek Indonesia, Up. Divisi Penilaian
Saham Tahunan Tahun Buku 2012 Perusahaan Sektor Jasa
21 Februari 2013 068/DIR-CS/2013 Penyampaian Bukti Iklan Pemberitahuan Rapat Umum Pemegang Bank Indonesia-Bandung
Saham Tahunan Tahun Buku 2012
21 Februari 2013 068/DIR-CS/2013 Penyampaian Bukti Iklan Pemberitahuan Rapat Umum Pemegang PT Kustodian Sentral Efek Indonesia
Saham Tahunan Tahun Buku 2012
08 Maret 2013 070/DIR-CS/2013 Penyampaian Bukti Iklan Panggilan Rapat Umum Pemegang Saham Ketua OJK, Up. Kepala Eksekutif Pengawas Pasar
Tahunan Tahun Buku 2012 Modal
Submission of Advertisement Call Annual General Meeting of
08 Maret 2013 070/DIR-CS/2013 Penyampaian Bukti Iklan Panggilan Rapat Umum Pemegang Saham PT Bursa Efek Indonesia, Up. Divisi Penilaian
Tahunan Tahun Buku 2012 Perusahaan Sektor Jasa
08 Maret 2013 070/DIR-CS/2013 Penyampaian Bukti Iklan Panggilan Rapat Umum Pemegang Saham PT Kustodian Sentral Efek Indonesia
Tahunan Tahun Buku 2012
08 Maret 2013 070/DIR-CS/2013 Penyampaian Bukti Iklan Panggilan Rapat Umum Pemegang Saham Bank Indonesia-Bandung
Tahunan Tahun Buku 2012

26 Maret 2013 143/DIR-CS/2013 Penyampaian hasil Keputusan RUPS Tahunan dan Pembagian Ketua Otoritas Jasa Keuangan, Up. Kepala Eksekutif
Dividen Tunai Tahun Buku 2012 Pengawas Pasar Modal
Submission of the results of the Annual General Meeting and
Decisions Cash Dividend for Fiscal Year 2012
26 Maret 2013 143/DIR-CS/2013 Penyampaian hasil Keputusan RUPS Tahunan dan Pembagian Bank Indonesia-Bandung
Dividen Tunai Tahun Buku 2012
26 Maret 2013 143/DIR-CS/2013 Penyampaian hasil Keputusan RUPS Tahunan dan Pembagian PT Bursa Efek Indonesia,
Dividen Tunai Tahun Buku 2012 Up. Divisi Penilaian Perusahaan Sektor Jasa
Introduction
26 Maret 2013 143/DIR-CS/2013 Penyampaian hasil Keputusan RUPS Tahunan dan Pembagian PT Kustodian Sentral Efek Indonesia
Dividen Tunai Tahun Buku 2012
02 Januari 2013 3/CS-IR/2013 Laporan Keterbukaan Informasi Pemegang Saham Tertentu OJK, BEI
Statements Disclosure Certain Shareholders
Performance
02 Januari 2013 3A/CS-IR/2013 Laporan Keterbukaan Informasi Pemegang Saham Tertentu OJK, BEI
02 Januari 2013 3B/CS-IR/2013 Laporan Keterbukaan Informasi Pemegang Saham Tertentu OJK, BEI
02 Januari 2013 3C/CS-IR/2013 Laporan Keterbukaan Informasi Pemegang Saham Tertentu OJK, BEI
02 Januari 2013 3D/CS-IR/2013 Laporan Keterbukaan Informasi Pemegang Saham Tertentu OJK, BEI
Good Corporate
Governance
02 Januari 2013 3E/CS-IR/2013 Laporan Keterbukaan Informasi Pemegang Saham Tertentu OJK, BEI
05 Januari 2013 1341 /CS-IR/2013 Keterbukaan Informasi Yang Perlu Diketahui Publik Pembagian OJK, BEI
Dividen Saham
Disclosure of Information to Know Public Dividend Stocks
Corporate Social
Responsibility
16 Januari 2013 100A/CS-IR/2013 Laporan Keterbukaan Informasi Pemegang Saham Tertentu OJK, BEI
16 Januari 2013 100B/CS-IR/2013 Laporan Keterbukaan Informasi Pemegang Saham Tertentu OJK, BEI
16 Januari 2013 100C/CS-IR/2013 Laporan Keterbukaan Informasi Pemegang Saham Tertentu OJK, BEI
Consolidated
22 Januari 2013 143A/CS-IR/2013 Keterbukaan Informasi Pemegang Saham Tertentu OJK, BEI
08 Februari 2013 2712/CS-IR/2013 Laporan Bulanan Registrasi Pemegang Efek OJK, BEI
Corporate Data
Monthly Report of Registration of Securities Holders
13 Februari 2013 346/CS-IR/2013 Penjelasan Atas Permintaan Konfirmasi Bursa Tentang Pemberitaan OJK, BEI
Mengenai Perseroan Di Media Massa
Elucidation of the Request for Confirmation of Stock On Preaching
About Company At Mass Media
20 Februari 2013 395/CS-IR/2013 Hasil Penilaian Kemampuan dan Kepatuhan OJK, BEI
Capability Assessment and Compliance
20 Februari 2013 395/CS-IR/2013 Hasil Penilaian Kemampuan dan Kepatuhan OJK, BEI
Capability Assessment and Compliance
21 Februari 2013 068/DIR-CS/2013 Penyampaian Bukti Iklan OJK, BEI

Submission of Advertisement
01 Maret 2013 14/CS-IR/2013 Laporan Bulanan Registrasi Pemegang Efek OJK, BEI
355

10 Maret 2013 3233 /CS-IR/2013 Laporan Bulanan Registrasi Pemegang Efek OJK, BEI
22 Maret 2013 137/DIR-CS/2013 Penyampaian Bukti Iklan Informasi Laporan Keuangan Tahunan OJK, BEI
Submission of Advertisement Information Annual Financial
Statements
Statements
Statements
26 Maret 2013 143a/DIR-CS/2013 Penyampaian Bukti Iklan Hasil RUPS BEI OJK
Submission of Advertisement Results of AGM
04 April 2013 928/CS-IR/2013 Laporan Keterbukaan Informasi Pemegang Saham Tertentu OJK, BEI
09 April 2013 3006 /CS-IR/2013 Penjelasan atas Pemberitaan Media Massa OJK, BEI
Explanation for the Mass Media Coverage
11 April 2013 501 /DIR-CS/2013 Keterbukaan Informasi Yang Perlu Diketahui Publik Hasil OJK, BEI
Pemeringkatan Tahunan atas Obligasi VI Seri B dan Obligasi VII
serta Pemeringkatan Tahunan banl bjb periode 1 Nopember 2013
s/d 1 Nopember 2014
Disclosure of Information to Know Public Results Yearly rankings
Series B Bonds and Bond VI and VII Annual Ranking of banl bjb
period 1 November 2013 s / d 1 November 2014
11 April 2013 501a /DIR-CS/2013 Penyampaian Bukti Iklan Lainnya OJK, BEI
Submission of Advertisement Other
12 April 2013 3809 /CS-IR/2013 Laporan Bulanan Registrasi Pemegang Efek OJK, BEI
15 April 2013 1032/CS-IR/2013 Keterbukaan Informasi Pemegang Saham Tertentu OJK, BEI
15 April 2013 1032a/CS-IR/2013 Keterbukaan Informasi Pemegang Saham Tertentu OJK, BEI
19 April 2013 179/DIR-CS/2013 Penyampaian Laporan Keuangan dan Bukti Iklan Publikasi Maret OJK, BEI
2013
Submission of Financial Statements and Proof of Publication
Advertising March 2013
19 April 2013 179/DIR-CS/2013 Penyampaian Laporan Keuangan dan Bukti Iklan Publikasi Maret OJK, BEI
2013
19 April 2013 179/DIR-CS/2013 Penyampaian Laporan Keuangan dan Bukti Iklan Publikasi Maret Bank Indonesia-Bandung,
2013 Up Pengawasan Bank Umum
29 April 2013 1311/CS-IR/2013 Laporan Keterbukaan Informasi Pemegang Saham Tertentu OJK, BEI
30 April 2013 1311/CS-IR/2013 Keterbukaan Informasi Pemegang Saham Tertentu OJK, BEI
30 April 2013 1311a/CS-IR/2013 Keterbukaan Informasi Pemegang Saham Tertentu OJK, BEI
30 April 2013 1311b/CS-IR/2013 Keterbukaan Informasi Pemegang Saham Tertentu OJK, BEI
30 April 2013 1311c/CS-IR/2013 Keterbukaan Informasi Pemegang Saham Tertentu OJK, BEI
30 April 2013 1311d/CS-IR/2013 Keterbukaan Informasi Pemegang Saham Tertentu OJK, BEI
30 April 2013 1311e/CS-IR/2013 Keterbukaan Informasi Pemegang Saham Tertentu OJK, BEI
04 Mei 2013 962 /CS-IR/2013 Laporan Bulanan Registrasi Pemegang Efek OJK, BEI
15 Mei 2013 1569/CS-IR/2013 Laporan Keterbukaan Informasi Pemegang Saham Tertentu OJK, BEI
356
22 Mei 2013 1569a/CS-IR/2013 Keterbukaan Informasi Pemegang Saham Tertentu OJK, BEI
22 Mei 2013 1569b/CS-IR/2013 Keterbukaan Informasi Pemegang Saham Tertentu OJK, BEI
22 Mei 2013 1569c/CS-IR/2013 Keterbukaan Informasi Pemegang Saham Tertentu OJK, BEI
22 Mei 2013 1677/CS-IR/2013 Laporan Keterbukaan Informasi Pemegang Saham Tertentu OJK, BEI
22 Mei 2013 1677a/CS-IR/2013 Keterbukaan Informasi Pemegang Saham Tertentu OJK, BEI
Introduction
22 Mei 2013 1677b/CS-IR/2013 Keterbukaan Informasi Pemegang Saham Tertentu OJK, BEI
22 Mei 2013 1728/CS-IR/2013 Penjelasan atas Pemberitaan Media Massa OJK, BEI
31 Mei 2013 1857/CS-IR/2013 Penjelasan atas Pemberitaan Media Massa OJK, BEI

Performance
02 Juni 2013 290/CS-IR/2013 Laporan Bulanan Registrasi Pemegang Efek OJK, BEI
03 Juni 2013 552 /CS-IR/2013 Laporan Bulanan Registrasi Pemegang Efek OJK, BEI
03 Juni 2013 070/DIR-CS/2013 Penyampaian Bukti Iklan Panggilan RUPS OJK, BEI
Submission of Advertisement Calls AGM
03 Juni 2013 548 /CS-IR/2013 Penyampaian laporan tahunan OJK, BEI
Good Corporate
Submission of annual report
Governance
09 Juni 2013 3019/CS-IR/2013 Laporan Bulanan Registrasi Pemegang Efek OJK, BEI
12 Juni 2013 2043/CS-IR/2013 Hasil Fit and Proper Test Divisi Penilaian Sektor Jasa, PT Bursa Efek Indonesia
Fit and Proper Test Results
12 Juni 2013 2043/CS-IR/2013 Hasil Fit and Proper Test Ketua Otoritas Jasa Keuangan
Fit and Proper Test Results
25 Juni 2013 2239/CS-IR/2013 Laporan Keterbukaan Informasi Pemegang Saham Tertentu OJK, BEI
Corporate Social
Responsibility
02 Juli 2013 2346/CS-IR/2013 Laporan Keterbukaan Informasi Pemegang Saham Tertentu OJK, BEI
05 Juli 2013 1406 /CS-IR/2013 Laporan Bulanan Registrasi Pemegang Efek OJK, BEI
06 Juli 2013 1939 /CS-IR/2013 Laporan Bulanan Registrasi Pemegang Efek OJK, BEI
08 Juli 2013 2411/CS-IR/2013 Laporan Data Hutang/Kewajiban Dalam Valuta Asing OJK, BEI
Consolidated
Data Reports Debt / Liabilities in Foreign Currencies
11 Juli 2013 3534/CS-IR/2013 Laporan Bulanan Registrasi Pemegang Efek OJK, BEI
16 Juli 2013 2495/CS-IR/2013 Laporan Keterbukaan Informasi Pemegang Saham Tertentu OJK, BEI
19 Juli 2013 303/DIR-CS/2013 Penyampaian Laporan Keuangan dan Bukti Iklan Publikasi Juni 2013 OJK, BEI
Submission of Financial Statements and Evidence Advertising
Corporate Data
Publication June 2013
19 Juli 2013 303/DIR-CS/2013 Penyampaian Laporan Keuangan dan Bukti Iklan Publikasi Juni 2013 Bank Indonesia-Bandung,
Submission of Financial Statements and Evidence Advertising Up Pengawasan Bank Umum
19 Juli 2013 303/DIR-CS/2013 Penyampaian Laporan Keuangan dan Bukti Iklan Publikasi Juni 2013 PT Bursa Efek Indonesia, Divisi Penilaian Perusahaan
Submission of Financial Statements and Evidence Advertising Sektor Jasa
19 Juli 2013 303a/DIR-CS/2013 Penyampaian Bukti Iklan Informasi Laporan Keuangan Interim OJK, BEI
Submission of Advertisement Information Interim Financial
Statements
29 Juli 2013 5016/CS-IR/2013 Keterbukaan Informasi Pemegang Saham Tertentu OJK, BEI
29 Juli 2013 5016a/CS-IR/2013 Keterbukaan Informasi Pemegang Saham Tertentu OJK, BEI
357

01 Agustus 2013 5016/CS-IR/2013 Laporan Keterbukaan Informasi Pemegang Saham Tertentu OJK, BEI
01 Agustus 2013 032/CS-IR/2013 Keterbukaan Informasi Pemegang Saham Tertentu OJK, BEI
01 Agustus 2013 032A/CS-IR/2013 Keterbukaan Informasi Pemegang Saham Tertentu OJK, BEI
01 Agustus 2013 032B/CS-IR/2013 Keterbukaan Informasi Pemegang Saham Tertentu OJK, BEI
01 Agustus 2013 032C/CS-IR/2013 Keterbukaan Informasi Pemegang Saham Tertentu OJK, BEI
04 Agustus 2013 928a/CS-IR/2013 Keterbukaan Informasi Pemegang Saham Tertentu OJK, BEI
04 Agustus 2013 928b/CS-IR/2013 Keterbukaan Informasi Pemegang Saham Tertentu OJK, BEI
04 Agustus 2013 928c/CS-IR/2013 Keterbukaan Informasi Pemegang Saham Tertentu OJK, BEI
04 Agustus 2013 928d/CS-IR/2013 Keterbukaan Informasi Pemegang Saham Tertentu OJK, BEI
04 Agustus 2013 928e/CS-IR/2013 Keterbukaan Informasi Pemegang Saham Tertentu OJK, BEI
04 Agustus 2013 928f/CS-IR/2013 Keterbukaan Informasi Pemegang Saham Tertentu OJK, BEI
04 Agustus 2013 928g/CS-IR/2013 Keterbukaan Informasi Pemegang Saham Tertentu OJK, BEI
04 Agustus 2013 928h/CS-IR/2013 Keterbukaan Informasi Pemegang Saham Tertentu OJK, BEI
06 Agustus 2013 2741/CS-IR/2013 Laporan Data Hutang/Kewajiban Dalam Valuta Asing OJK, BEI
Data Reports Debt/Liabilities in Foreign Currencies
06 Agustus 2013 3028/CS-IR/2013 Laporan Data Hutang/Kewajiban Dalam Valuta Asing OJK, BEI
07 Agustus 2013 2239a/CS-IR/2013 Keterbukaan Informasi Pemegang Saham Tertentu OJK, BEI
07 Agustus 2013 2239b/CS-IR/2013 Keterbukaan Informasi Pemegang Saham Tertentu OJK, BEI
07 Agustus 2013 2403 /CS-IR/2013 Laporan Bulanan Registrasi Pemegang Efek OJK, BEI
27 Agustus 2013 2898/CS-IR/2013 Laporan Keterbukaan Informasi Pemegang Saham Tertentu OJK, BEI
27 Agustus 2013 2898a /CS-IR/2013 Keterbukaan Informasi Pemegang Saham Tertentu OJK, BEI
27 Agustus 2013 2898b /CS-IR/2013 Keterbukaan Informasi Pemegang Saham Tertentu OJK, BEI
09 September 2013 3036/CS-IR/2013 Laporan Keterbukaan Informasi Pemegang Saham Tertentu OJK, BEI
23 September 2013 3153/CS-IR/2013 Laporan Keterbukaan Informasi Pemegang Saham Tertentu OJK, BEI
01 Oktober 2013 3209/CS-IR/2013 Laporan Keterbukaan Informasi Pemegang Saham Tertentu OJK, BEI
07 Oktober 2013 288/DIR-CS/2013 Keterbukaan Informasi Yang Perlu Diketahui Publik Perubahan OJK, BEI
Penggunaan Dana Hasil Penawaran Umum dari yang telah
Ditetapkan dalam Prospektus
Disclosure of Information to Know Public Use Change Fund Public
Offering results of which have Specified in Prospectus
08 Oktober 2013 3279/CS-IR/2013 Laporan Data Hutang/Kewajiban Dalam Valuta Asing OJK, BEI
09 Oktober 2013 3036a/CS-IR/2013 Keterbukaan Informasi Pemegang Saham Tertentu OJK, BEI
358
10 Oktober 2013 457a/DIR-CS/2013 Keterbukaan Informasi Yang Perlu Diketahui Publik Perubahan OJK, BEI
24 Oktober 2013 482/DIR-CS/2013 Penyampaian Laporan Keuangan dan Bukti Iklan Publikasi Bank Indonesia-Bandung,
September 2013 Up Pengawasan Bank Umum
Submission of Financial Statements and Proof of Publication Ads
September 2013
24 Oktober 2013 482/DIR-CS/2013 Penyampaian Laporan Keuangan dan Bukti Iklan Publikasi PT Pemeringkat Efek Indonesia
Introduction
September 2013
September 2013
24 Oktober 2013 482/DIR-CS/2013 Penyampaian Laporan Keuangan dan Bukti Iklan Publikasi PT Bank Mega, Tbk Wali Amanat
September 2013
September 2013
24 Oktober 2013 482/DIR-CS/2013 Penyampaian Laporan Keuangan dan Bukti Iklan Publikasi OJK, BEI
September 2013
Performance
September 2013
24 Oktober 2013 482/DIR-CS/2013 Penyampaian Laporan Keuangan dan Bukti Iklan Publikasi PT Bursa Efek Indonesia, Divisi Penilaian Perusahaan
September 2013 Sektor Jasa
September 2013
24 Oktober 2013 482/DIR-CS/2013 Penyampaian Laporan Keuangan dan Bukti Iklan Publikasi Bank Indonesia-Bandung,
September 2013 Up Pengawasan Bank Umum
Good Corporate
Governance
September 2013
01 November 2013 501/DIR-CS/2013 Hasil Pemeringkatan Tahunan atas Obligasi VI, Obligasi VII dan Divisi Penilaian Sektor Jasa, PT Bursa Efek Indonesia
Pemeringkatan Tahunan bank bjb
Results Yearly rankings Bonds VI, VII and Bonds Annual Ranking of
bank bjb
01 November 2013 501/DIR-CS/2013 Hasil Pemeringkatan Tahunan atas Obligasi VI, Obligasi VII dan Divisi Penilaian Perusahaan Surat Utang,
Pemeringkatan Tahunan bank bjb PT Bursa Efek Indonesia
Corporate Social
Responsibility
bank bjb
01 November 2013 501/DIR-CS/2013 Hasil Pemeringkatan Tahunan atas Obligasi VI, Obligasi VII dan Bank Indonesia-Bandung,
Pemeringkatan Tahunan bank bjb Up Pengawasan Bank Umum
bank bjb
01 November 2013 501/DIR-CS/2013 Hasil Pemeringkatan Tahunan atas Obligasi VI, Obligasi VII dan PT Kustodian Sentral Efek Indonesia
Consolidated
bank bjb
01 November 2013 501/DIR-CS/2013 Hasil Pemeringkatan Tahunan atas Obligasi VI, Obligasi VII dan OJK, BEI
bank bjb
01 November 2013 501/DIR-CS/2013 Hasil Pemeringkatan Tahunan atas Obligasi VI, Obligasi VII dan PT Bank Mega, Tbk Wali Amanat
bank bjb
Corporate Data
01 November 2013 10/DIR-CS/2013 Penggunaan Dana Hasil Penawaran Umum OJK, BEI
Use of Proceeds from Public Offering
03 November 2013 617/CS-IR/2013 Penyampaian Laporan Keuangan Tahunan OJK, BEI

Submission of Annual Financial Statements
07 November 2013 3567/CS-IR/2013 Laporan Data Hutang/Kewajiban Dalam Valuta Asing OJK, BEI
14 November 2013 3642/CS-IR/2013 Laporan Keterbukaan Informasi Pemegang Saham Tertentu OJK, BEI
18 November 2013 3246a/CS-IR/2013 Rencana Penyelenggaraan Public Expose-Tahunan OJK, BEI

Implementation Plans Public Expose-Annual
21 November 2013 3683/CS-IR/2013 Penyampaian Materi Public Expose-Tahunan OJK, BEI

Implementation Plans Public Expose-Annual
359

21 November 2013 3696 /CS-IR/2013 Penjelasan atas Pemberitaan Media Massa OJK, BEI
29 November 2013 3760/CS-IR/2013 Laporan Hasil Public Expose - Tahunan OJK, BEI
Report of Public Expose - Annual
29 November 2013 3779/CS-IR/2013 Laporan Keterbukaan Informasi Pemegang Saham Tertentu OJK, BEI
04 Desember 2013 165a/DIR-CS/2013 Keterbukaan Informasi Yang Perlu Diketahui Publik Perubahan OJK, BEI
05 Desember 2013 3813/CS-IR/2013 Laporan Data Hutang/Kewajiban Dalam Valuta Asing OJK, BEI
Data Reports Debt / Liabilities in Foreign Currencies
09 Desember 2013 3850/CS-IR/2013 Laporan Keterbukaan Informasi Pemegang Saham Tertentu OJK, BEI
11 Desember 2013 3597/CS-IR/2013 Penjelasan atas Pemberitaan Media Massa OJK, BEI
12 Desember 2013 8350/CS-IR/2013 Keterbukaan Informasi Pemegang Saham Tertentu OJK, BEI
16 Desember 2013 3820a/CS-IR/2013 Keterbukaan Informasi Yang Perlu Diketahui Publik Pengumuman OJK, BEI
Pembelian Kembali atau Pembayaran Efek yang Bersifat Utang
Disclosure of Information to Know Buyback Public Announcement
or Payment of Debt Securities
Korespondensi dengan Pemegang Saham Correspondence with Shareholders
Berikut adalah daftar laporan yang disampaikan kepada Pemegang

Saham selama tahun 2013:
08 Maret 2013 090/DIR-CS/2013 Penyampaian Undangan RUPS Tahunan Tahun Buku 2012 Gubernur Jawa Barat
Invitation to Submit Fiscal Year 2012 Annual General Meeting
08 Maret 2013 090/DIR-CS/2013 Penyampaian Undangan RUPS Tahunan Tahun Buku 2012 Walikota Bandung
08 Maret 2013 090/DIR-CS/2013 Penyampaian Undangan RUPS Tahunan Tahun Buku 2012 Walikota Cimahi
08 Maret 2013 090/DIR-CS/2013 Penyampaian Undangan RUPS Tahunan Tahun Buku 2012 Walikota Depok
08 Maret 2013 090/DIR-CS/2013 Penyampaian Undangan RUPS Tahunan Tahun Buku 2012 Walikota Tasikmalaya
08 Maret 2013 090/DIR-CS/2013 Penyampaian Undangan RUPS Tahunan Tahun Buku 2012 Walikota Bekasi
08 Maret 2013 090/DIR-CS/2013 Penyampaian Undangan RUPS Tahunan Tahun Buku 2012 Walikota Bogor
08 Maret 2013 090/DIR-CS/2013 Penyampaian Undangan RUPS Tahunan Tahun Buku 2012 Walikota Banjar
08 Maret 2013 090/DIR-CS/2013 Penyampaian Undangan RUPS Tahunan Tahun Buku 2012 Walikota Sukabumi
08 Maret 2013 090/DIR-CS/2013 Penyampaian Undangan RUPS Tahunan Tahun Buku 2012 Walikota Cirebon
08 Maret 2013 090/DIR-CS/2013 Penyampaian Undangan RUPS Tahunan Tahun Buku 2012 Bupati Bandung
08 Maret 2013 090/DIR-CS/2013 Penyampaian Undangan RUPS Tahunan Tahun Buku 2012 Bupati Bogor
08 Maret 2013 090/DIR-CS/2013 Penyampaian Undangan RUPS Tahunan Tahun Buku 2012 Bupati Tasikmalaya
08 Maret 2013 090/DIR-CS/2013 Penyampaian Undangan RUPS Tahunan Tahun Buku 2012 Bupati Cianjur
08 Maret 2013 090/DIR-CS/2013 Penyampaian Undangan RUPS Tahunan Tahun Buku 2012 Bupati Indramayu
08 Maret 2013 090/DIR-CS/2013 Penyampaian Undangan RUPS Tahunan Tahun Buku 2012 Bupati Sukabumi
360
08 Maret 2013 090/DIR-CS/2013 Penyampaian Undangan RUPS Tahunan Tahun Buku 2012 Bupati Bekasi
08 Maret 2013 090/DIR-CS/2013 Penyampaian Undangan RUPS Tahunan Tahun Buku 2012 Bupati Karawang
08 Maret 2013 090/DIR-CS/2013 Penyampaian Undangan RUPS Tahunan Tahun Buku 2012 Bupati Cirebon
08 Maret 2013 090/DIR-CS/2013 Penyampaian Undangan RUPS Tahunan Tahun Buku 2012 Bupati Purwakarta
08 Maret 2013 090/DIR-CS/2013 Penyampaian Undangan RUPS Tahunan Tahun Buku 2012 Bupati Sumedang
Introduction
08 Maret 2013 090/DIR-CS/2013 Penyampaian Undangan RUPS Tahunan Tahun Buku 2012 Bupati Subang
08 Maret 2013 090/DIR-CS/2013 Penyampaian Undangan RUPS Tahunan Tahun Buku 2012 Bupati Majalengka
08 Maret 2013 090/DIR-CS/2013 Penyampaian Undangan RUPS Tahunan Tahun Buku 2012 Bupati Ciamis
08 Maret 2013 090/DIR-CS/2013 Penyampaian Undangan RUPS Tahunan Tahun Buku 2012 Bupati Kuningan

08 Maret 2013 090/DIR-CS/2013 Penyampaian Undangan RUPS Tahunan Tahun Buku 2012 Bupati Garut
Performance
08 Maret 2013 090/DIR-CS/2013 Penyampaian Undangan RUPS Tahunan Tahun Buku 2012 Gubernur Banten
08 Maret 2013 090/DIR-CS/2013 Penyampaian Undangan RUPS Tahunan Tahun Buku 2012 Walikota Tangerang
08 Maret 2013 090/DIR-CS/2013 Penyampaian Undangan RUPS Tahunan Tahun Buku 2012 Walikota Cilegon
08 Maret 2013 090/DIR-CS/2013 Penyampaian Undangan RUPS Tahunan Tahun Buku 2012 Bupati Tangerang
Good Corporate
Governance
08 Maret 2013 090/DIR-CS/2013 Penyampaian Undangan RUPS Tahunan Tahun Buku 2012 Bupati Serang
08 Maret 2013 090/DIR-CS/2013 Penyampaian Undangan RUPS Tahunan Tahun Buku 2012 Bupati Pandeglang
08 Maret 2013 090/DIR-CS/2013 Penyampaian Undangan RUPS Tahunan Tahun Buku 2012 Bupati Lebak
25 April 2013 192/DIR-CS/2013 Pembagian Dividen Tunai Tahun Buku 2012 Gubernur Jawa Barat
Cash Dividend for Fiscal Year 2012
Corporate Social
25 April 2013 192/DIR-CS/2013 Pembagian Dividen Tunai Tahun Buku 2012 Walikota Bandung
Responsibility
25 April 2013 192/DIR-CS/2013 Pembagian Dividen Tunai Tahun Buku 2012 Walikota Cimahi
25 April 2013 192/DIR-CS/2013 Pembagian Dividen Tunai Tahun Buku 2012 Walikota Depok
25 April 2013 192/DIR-CS/2013 Pembagian Dividen Tunai Tahun Buku 2012 Walikota Tasikmalaya
25 April 2013 192/DIR-CS/2013 Pembagian Dividen Tunai Tahun Buku 2012 Walikota Bekasi
Consolidated
25 April 2013 192/DIR-CS/2013 Pembagian Dividen Tunai Tahun Buku 2012 Walikota Bogor
25 April 2013 192/DIR-CS/2013 Pembagian Dividen Tunai Tahun Buku 2012 Walikota Banjar
25 April 2013 192/DIR-CS/2013 Pembagian Dividen Tunai Tahun Buku 2012 Walikota Sukabumi
25 April 2013 192/DIR-CS/2013 Pembagian Dividen Tunai Tahun Buku 2012 Walikota Cirebon
Corporate Data
25 April 2013 192/DIR-CS/2013 Pembagian Dividen Tunai Tahun Buku 2012 Bupati Bandung
25 April 2013 192/DIR-CS/2013 Pembagian Dividen Tunai Tahun Buku 2012 Bupati Bogor
25 April 2013 192/DIR-CS/2013 Pembagian Dividen Tunai Tahun Buku 2012 Bupati Tasikmalaya
25 April 2013 192/DIR-CS/2013 Pembagian Dividen Tunai Tahun Buku 2012 Bupati Cianjur
25 April 2013 192/DIR-CS/2013 Pembagian Dividen Tunai Tahun Buku 2012 Bupati Indramayu
25 April 2013 192/DIR-CS/2013 Pembagian Dividen Tunai Tahun Buku 2012 Bupati Sukabumi
25 April 2013 192/DIR-CS/2013 Pembagian Dividen Tunai Tahun Buku 2012 Bupati Bekasi
361

25 April 2013 192/DIR-CS/2013 Pembagian Dividen Tunai Tahun Buku 2012 Bupati Karawang
25 April 2013 192/DIR-CS/2013 Pembagian Dividen Tunai Tahun Buku 2012 Bupati Cirebon
25 April 2013 192/DIR-CS/2013 Pembagian Dividen Tunai Tahun Buku 2012 Bupati Purwakarta
25 April 2013 192/DIR-CS/2013 Pembagian Dividen Tunai Tahun Buku 2012 Bupati Sumedang
25 April 2013 192/DIR-CS/2013 Pembagian Dividen Tunai Tahun Buku 2012 Bupati Subang
25 April 2013 192/DIR-CS/2013 Pembagian Dividen Tunai Tahun Buku 2012 Bupati Majalengka
25 April 2013 192/DIR-CS/2013 Pembagian Dividen Tunai Tahun Buku 2012 Bupati Ciamis
25 April 2013 192/DIR-CS/2013 Pembagian Dividen Tunai Tahun Buku 2012 Bupati Kuningan
25 April 2013 192/DIR-CS/2013 Pembagian Dividen Tunai Tahun Buku 2012 Bupati Garut
25 April 2013 192/DIR-CS/2013 Pembagian Dividen Tunai Tahun Buku 2012 Gubernur Banten
25 April 2013 192/DIR-CS/2013 Pembagian Dividen Tunai Tahun Buku 2012 Walikota Tangerang
25 April 2013 192/DIR-CS/2013 Pembagian Dividen Tunai Tahun Buku 2012 Walikota Cilegon
25 April 2013 192/DIR-CS/2013 Pembagian Dividen Tunai Tahun Buku 2012 Bupati Tangerang
25 April 2013 192/DIR-CS/2013 Pembagian Dividen Tunai Tahun Buku 2012 Bupati Serang
25 April 2013 192/DIR-CS/2013 Pembagian Dividen Tunai Tahun Buku 2012 Bupati Pandeglang
25 April 2013 192/DIR-CS/2013 Pembagian Dividen Tunai Tahun Buku 2012 Bupati Lebak
Kegiatan Grup Investor Relations di tahun 2013

Investor Relations Group activities in 2013
Tanggal Nama Investor Kegiatan
Date investor Name Activities
08/01/13 Fidelity Investment Singapore Macquarie Asia Pacific Financials Corporate Day - Singapore
08/01/13 East Spring Investment Macquarie Asia Pacific Financials Corporate Day - Singapore
08/01/13 Daiwa Asset Management Macquarie Asia Pacific Financials Corporate Day - Singapore
08/01/13 Prince Street Capital Management Macquarie Asia Pacific Financials Corporate Day - Singapore
08/01/13 Foord Asset Management Macquarie Asia Pacific Financials Corporate Day - Singapore
09/01/13 Daiwa SB Investment Macquarie Asia Pacific Financials Corporate Day - Singapore
09/01/13 Macquarie Capital Securities Macquarie Asia Pacific Financials Corporate Day - Singapore
10/01/13 Macquarie funds Macquarie Asia Pacific Financials Corporate Day - Hongkong
10/01/13 Blackrock Macquarie Asia Pacific Financials Corporate Day - Hongkong
10/01/13 GAM Macquarie Asia Pacific Financials Corporate Day - Hongkong
10/01/13 Amundi Asset Management Macquarie Asia Pacific Financials Corporate Day - Hongkong
10/01/13 Baring Asset Management Macquarie Asia Pacific Financials Corporate Day - Hongkong
10/01/13 Macquarie Capital Securities Macquarie Asia Pacific Financials Corporate Day - Hongkong
10/01/13 Hamon Asset Management Macquarie Asia Pacific Financials Corporate Day - Hongkong
10/01/13 Value Partners Macquarie Asia Pacific Financials Corporate Day - Hongkong
10/01/13 Sommerset Capital Management Macquarie Asia Pacific Financials Corporate Day - Hongkong
10/01/13 Macquarie Capital Securities (Japan) Macquarie Asia Pacific Financials Corporate Day - Hongkong
10/01/13 Macquarie Capital Securities Macquarie Asia Pacific Financials Corporate Day - Hongkong
10/01/13 Macquarie Capital Securities (Phillippines) Macquarie Asia Pacific Financials Corporate Day - Hongkong
10/01/13 Buena Vista Fund Management Macquarie Asia Pacific Financials Corporate Day - Hongkong
14/01/13 OSK - Singapore Conference Call
30/01/13 Bahana Securities Kitchenette - Senayan City, Jakarta
362
31/01/13 Manulife Asset Management Macquarie Real Deal Lunch, Ritz Carlton PP - Jakarta
31/01/13 CIMB Principal Macquarie Real Deal Lunch, Ritz Carlton PP - Jakarta
31/01/13 Syailendra Capital Macquarie Real Deal Lunch, Ritz Carlton PP - Jakarta
31/01/13 Ciptadana Asset Management Macquarie Real Deal Lunch, Ritz Carlton PP - Jakarta
31/01/13 AIA Macquarie Real Deal Lunch, Ritz Carlton PP - Jakarta
31/01/13 AIA Macquarie Real Deal Lunch, Ritz Carlton PP - Jakarta
31/01/13 Trimegah Asset Management Macquarie Real Deal Lunch, Ritz Carlton PP - Jakarta
31/01/13 Macquarie Capital Securities Macquarie Real Deal Lunch, Ritz Carlton PP - Jakarta
Introduction
31/01/13 Macquarie Capital Securities Macquarie Real Deal Lunch, Ritz Carlton PP - Jakarta
31/01/13 Bahana TCW Asset Management Macquarie Real Deal Lunch, Ritz Carlton PP - Jakarta
31/01/13 Batavia Prosperindo AM Macquarie Real Deal Lunch, Ritz Carlton PP - Jakarta
31/01/13 BNP Paribas Macquarie Real Deal Lunch, Ritz Carlton PP - Jakarta
05/02/13 UOB Kayhian Liberica Coffee, PP - Jakarta
05/02/13 UOB Kayhian Liberica Coffee, PP - Jakarta
Performance
05/02/13 Citi Investment Research Potato Head, PP - Jakarta
05/02/13 Citi Investment Research Potato Head, PP - Jakarta
06/02/13 Investec Asset Management Bogor Branch, Waroeng bjb - Warung Jambu - Bogor
06/02/13 Macquarie Securities Indonesia Bogor Branch, Waroeng bjb - Warung Jambu - Bogor
14/02/13 Macquarie Securities Indonesia Samy’s Curry, PP - Jakarta
16/02/13 UBS Securities Indonesia Conference Call
Good Corporate
19/02/13 Bahana Securities Conference Call
Governance
19/02/13 DBS Arthaloka, Jakarta
19/02/13 DBS Arthaloka, Jakarta
19/02/13 Mega Asset Management Arthaloka, Jakarta
19/02/13 Mega Asset Management Arthaloka, Jakarta
21/02/13 Bahana Securities Conference Call
21/02/13 Bahana Securities Sheraton Hotel, Surabaya
Corporate Social
Responsibility
26/02/13 Macquarie Funds Hongkong Conference Call
26/02/13 Macquarie Securities Indonesia Conference Call
05/03/13 AIA Financial UBS Indonesia Conference 2013, Mandarin Oriental, Jakarta
05/03/13 Bahana TCW Asset Management UBS Indonesia Conference 2013, Mandarin Oriental, Jakarta
05/03/13 Bahana TCW Asset Management UBS Indonesia Conference 2013, Mandarin Oriental, Jakarta
05/03/13 East Spring Investment UBS Indonesia Conference 2013, Mandarin Oriental, Jakarta
UBS Indonesia Conference 2013, Mandarin Oriental, Jakarta
Consolidated
05/03/13 UBS Securities Indonesia
05/03/13 Mercator Asset Management UBS Indonesia Conference 2013, Mandarin Oriental, Jakarta
05/03/13 Adapa Partners UBS Indonesia Conference 2013, Mandarin Oriental, Jakarta
05/03/13 State Teachers Retirement System of Ohio UBS Indonesia Conference 2013, Mandarin Oriental, Jakarta
05/03/13 BNP Paribas Investment Partners UBS Indonesia Conference 2013, Mandarin Oriental, Jakarta
05/03/13 BNP Paribas Investment Partners UBS Indonesia Conference 2013, Mandarin Oriental, Jakarta
05/03/13 AR Capital UBS Indonesia Conference 2013, Mandarin Oriental, Jakarta
Corporate Data
06/03/13 Manulife Asset Management UBS Indonesia Conference 2013, Mandarin Oriental, Jakarta
06/03/13 CIMB Principal UBS Indonesia Conference 2013, Mandarin Oriental, Jakarta
06/03/13 Dunross and Amp UBS Indonesia Conference 2013, Mandarin Oriental, Jakarta
06/03/13 Union Bancaire Privee SA UBS Indonesia Conference 2013, Mandarin Oriental, Jakarta
06/03/13 Hunter Hall International Ltd UBS Indonesia Conference 2013, Mandarin Oriental, Jakarta
06/03/13 Toscafund UBS Indonesia Conference 2013, Mandarin Oriental, Jakarta
06/03/13 Allianz Global Investors UBS Indonesia Conference 2013, Mandarin Oriental, Jakarta
06/03/13 Consilium Asset Management Cinnamon, Mandarin Oriental - Jakarta
06/03/13 Mandiri Sekuritas Cinnamon, Mandarin Oriental - Jakarta
08/03/13 Trimegah Securities Analyst Meeting, Four Seasons- Jakarta
08/03/13 Etrading Securities Analyst Meeting, Four Seasons- Jakarta
363

08/03/13 AAA Secuities Analyst Meeting, Four Seasons- Jakarta
08/03/13 BNP Paribas Investment Partners Analyst Meeting, Four Seasons- Jakarta
08/03/13 Danareksa Sekuritas Analyst Meeting, Four Seasons- Jakarta
08/03/13 Buana Capital Analyst Meeting, Four Seasons- Jakarta
08/03/13 Mega Capital Indonesia Analyst Meeting, Four Seasons- Jakarta
08/03/13 Macquarie Capital Securities Analyst Meeting, Four Seasons- Jakarta
08/03/13 UBS Securities Indonesia Analyst Meeting, Four Seasons- Jakarta
08/03/13 DBS Securities Analyst Meeting, Four Seasons- Jakarta
08/03/13 Credit Suisse Analyst Meeting, Four Seasons- Jakarta
08/03/13 UOB Kayhian Analyst Meeting, Four Seasons- Jakarta
08/03/13 Citi Investment Research Analyst Meeting, Four Seasons- Jakarta
08/03/13 Kim Eng Securities Analyst Meeting, Four Seasons- Jakarta
08/03/13 Bahana Securities Analyst Meeting, Four Seasons- Jakarta
08/03/13 CLSA Securities Analyst Meeting, Four Seasons- Jakarta
08/03/13 Deutsche Verdana Analyst Meeting, Four Seasons- Jakarta
08/03/13 RHB Securities Analyst Meeting, Four Seasons- Jakarta
20/03/13 CIM Din Tai Fung, Pacific Place, Jakarta
20/03/13 Batavia Prosperindo AM Din Tai Fung, Pacific Place, Jakarta
20/03/13 Trimegah Asset Management Din Tai Fung, Pacific Place, Jakarta
20/03/13 AIA Financial Din Tai Fung, Pacific Place, Jakarta
20/03/13 CIMB Securities Din Tai Fung, Pacific Place, Jakarta
20/03/13 Macquarie Securities Indonesia Din Tai Fung, Pacific Place, Jakarta
27/03/13 Macquarie Securities Indonesia Conference Call
28/03/13 UOB Kayhian Conference Call
09/04/13 Danareksa Sekuritas Arthaloka, Jakarta
09/04/13 Danareksa Sekuritas Arthaloka, Jakarta
11/04/13 Daiwa Securities Waroeng bjb - Kosambi, Bandung
11/04/13 Daiwa Securities Waroeng bjb - Kosambi, Bandung
11/04/13 UBS Global Asset Management (Singapore) Waroeng bjb - Kosambi, Bandung
22/04/13 Alliance Trust Macquarie ASEAN Corporate Day - Edinburgh
22/04/13 Vontobel Asset Management Macquarie ASEAN Corporate Day - Edinburgh
22/04/13 Standard Life Investment Macquarie ASEAN Corporate Day - Edinburgh
22/04/13 Standard Life Investment Macquarie ASEAN Corporate Day - Edinburgh
22/04/13 Edinburgh Partners Macquarie ASEAN Corporate Day - Edinburgh
22/04/13 Edinburgh Partners Macquarie ASEAN Corporate Day - Edinburgh
22/04/13 Macquarie Capital (Europe) Ltd Macquarie ASEAN Corporate Day - Edinburgh
22/04/13 Malaysia Airports Macquarie ASEAN Corporate Day - Edinburgh
22/04/13 Macquarie Capital (Europe) Ltd Macquarie ASEAN Corporate Day - Edinburgh
24/04/13 RS Investment Management Macquarie ASEAN Corporate Day - London
24/04/13 Sloane Robinson Macquarie ASEAN Corporate Day - London
24/04/13 Aviva Investors Macquarie ASEAN Corporate Day - London
24/04/13 Aviva Investors Macquarie ASEAN Corporate Day - London
24/04/13 Macquarie Capital (Europe) Ltd Macquarie ASEAN Corporate Day - London
24/04/13 Legal & General Investment Management Macquarie ASEAN Corporate Day - London
24/04/13 Alliance Trust Macquarie ASEAN Corporate Day - London
24/04/13 Macquarie Capital Securities HK Satoo Restaurant, Hotel Shang-ri La, Jakarta
24/04/13 Macquarie Capital Securities Singapore Satoo Restaurant, Hotel Shang-ri La, Jakarta
364
25/04/13 DBS Kantor Pusat bank bjb, Bandung
26/04/13 Macquarie Capital (USA) Inc Macquarie ASEAN Corporate Day - Boston
26/04/13 Batterymarch Financial Management Macquarie ASEAN Corporate Day - Boston
26/04/13 Wells Capital Management Macquarie ASEAN Corporate Day - Boston
26/04/13 Putnam Investments Macquarie ASEAN Corporate Day - Boston
26/04/13 Fidelity Investments USA Macquarie ASEAN Corporate Day - Boston
26/04/13 Wellington Management Macquarie ASEAN Corporate Day - Boston
04/05/13 Sommerset Capital Management Asia Restaurant, Jakarta
Introduction
06/05/13 Kim Eng Securities Social House, Jakarta
06/05/13 Kim Eng Securities Social House, Jakarta
06/05/13 Cramer Rosenthal McGlynn Social House, Jakarta
06/05/13 OSK - Singapore Waroeng bjb - Kosambi, Bandung
13/05/13 Danareksa Investment Management Kopi Luwak, Plaza Indonesia - Jakarta
13/05/13 Danareksa Investment Management Kopi Luwak, Plaza Indonesia - Jakarta
Performance
13/05/13 Trimegah Securities Kopi Luwak, Plaza Indonesia - Jakarta
13/05/13 Trimegah Securities Kopi Luwak, Plaza Indonesia - Jakarta
15/05/13 Kokusai Asset Management Arthaloka, Jakarta
15/05/13 CIMB Securities Arthaloka, Jakarta
15/05/13 CIMB Securities Arthaloka, Jakarta
15/05/13 Bahana TCW Asset Management RHB - OSK Indonesia Corporate Day
Good Corporate
15/05/13 CIM Investment RHB - OSK Indonesia Corporate Day
Governance
15/05/13 Ciptadana Asset Management RHB - OSK Indonesia Corporate Day
15/05/13 AM Investasi RHB - OSK Indonesia Corporate Day
15/05/13 Dana Pensiun Pos Indonesia RHB - OSK Indonesia Corporate Day
15/05/13 Asuransi ASEI RHB - OSK Indonesia Corporate Day
15/05/13 Avrist Asset Management RHB - OSK Indonesia Corporate Day
15/05/13 Dana Pensiun Bank Indonesia RHB - OSK Indonesia Corporate Day
Corporate Social
Responsibility
15/05/13 Mandiri Manajemen Investasi RHB - OSK Indonesia Corporate Day
15/05/13 Gap Capital RHB - OSK Indonesia Corporate Day
15/05/13 Emco Asset Management RHB - OSK Indonesia Corporate Day
15/05/13 DCG Capital RHB - OSK Indonesia Corporate Day
15/05/13 East Spring Investment RHB - OSK Indonesia Corporate Day
15/05/13 Dana Pensiun BPK Penabur RHB - OSK Indonesia Corporate Day
RHB - OSK Indonesia Corporate Day
Consolidated
15/05/13 Gap Capital
15/05/13 Tugu RE RHB - OSK Indonesia Corporate Day
15/05/13 Archipelago Asset Management RHB - OSK Indonesia Corporate Day
15/05/13 Bumiputera RHB - OSK Indonesia Corporate Day
15/05/13 RBH OSK Asset Management RHB - OSK Indonesia Corporate Day
15/05/13 Okasan International (Asia) Ltd RHB - OSK Indonesia Corporate Day
15/05/13 Mitsubishi UFJ Investment Services (HK) RHB - OSK Indonesia Corporate Day
Corporate Data
15/05/13 RBH OSK Securities Indonesia RHB - OSK Indonesia Corporate Day
21/05/13 Charlton Capital Markets Asia Four Seasons Hotel, Jakarta
23/05/13 Lazard Asset Management Arthaloka, Jakarta
23/05/13 Newton Investment Management Ltd Arthaloka, Jakarta
23/05/13 Macquarie Capital (Europe) Ltd Arthaloka, Jakarta
23/05/13 Macquarie Securities Indonesia Arthaloka, Jakarta
24/05/13 Caravel AM Arthaloka, Jakarta
28/05/13 Toscafund Global, Ltd Conference Call
29/05/13 Pyramis Global Advisor Arthaloka, Jakarta
29/05/13 Fidelity Investments (Hong Kong) Arthaloka, Jakarta
03/06/13 UBS Securities Satoo, Shangrila Hotel, Jakarta
365

04/06/13 Citigroup Global Markets Singapore Mandarin Oriental Hotel, Jakarta
04/06/13 Citigroup Global Markets Indonesia Mandarin Oriental Hotel, Jakarta
04/06/13 AIA Singapore Mandarin Oriental Hotel, Jakarta
04/06/13 HSBC Global Asset Management Mandarin Oriental Hotel, Jakarta
04/06/13 Manulife Asset Management (HK) Ltd Mandarin Oriental Hotel, Jakarta
04/06/13 Manulife Asset Management Mandarin Oriental Hotel, Jakarta
04/06/13 QVT Group Mandarin Oriental Hotel, Jakarta
04/06/13 QVT Group Mandarin Oriental Hotel, Jakarta
04/06/13 Macquarie Funds Management Hong Kong Ltd Mandarin Oriental Hotel, Jakarta
17/06/13 Fidelity FMR (USA) Waroeng bjb - Palmerah, Jkt
17/06/13 Macquarie Securities Indonesia Waroeng bjb - Palmerah, Jkt
18/06/13 Macquarie Funds Management Hong Kong Ltd Conference Call
21/06/13 Macquarie US Bibigo - Pacific Place
09/07/13 UOB Kayhian Chung Gi Wa - Grand Indonesia
12/07/13 Credit Suisse Arthaloka, Jakarta
19/07/13 BNP Paribas Investment Partners Analyst Meeting, Four Seasons- Jakarta
19/07/13 Mega Asset Management Analyst Meeting, Four Seasons- Jakarta
19/07/13 GAP Capital Analyst Meeting, Four Seasons- Jakarta
19/07/13 GAP Capital Analyst Meeting, Four Seasons- Jakarta
19/07/13 RHB Securities Analyst Meeting, Four Seasons- Jakarta
19/07/13 Am Capital Analyst Meeting, Four Seasons- Jakarta
19/07/13 UOB Kayhian Analyst Meeting, Four Seasons- Jakarta
19/07/13 Mandiri Sekuritas Analyst Meeting, Four Seasons- Jakarta
19/07/13 DBS Vickers Analyst Meeting, Four Seasons- Jakarta
19/07/13 Etrading Securities Analyst Meeting, Four Seasons- Jakarta
19/07/13 Bahana TCW Analyst Meeting, Four Seasons- Jakarta
19/07/13 CIMB Analyst Meeting, Four Seasons- Jakarta
19/07/13 Media Indonesia Analyst Meeting, Four Seasons- Jakarta
19/07/13 DB Analyst Meeting, Four Seasons- Jakarta
19/07/13 UBS Securities Indonesia Analyst Meeting, Four Seasons- Jakarta
19/07/13 Ashmore Analyst Meeting, Four Seasons- Jakarta
19/07/13 Sucard Analyst Meeting, Four Seasons- Jakarta
19/07/13 Macquarie Capital Securities Analyst Meeting, Four Seasons- Jakarta
22/07/13 Toscafund Conference Call
22/07/13 Kim Eng Securities Conference Call
23/07/13 Ashmore Conference Call
24/07/13 UBS Securities Indonesia Conference Call
16/08/13 Fidelity Arthaloka, Jakarta
21/08/13 Polar Capital Arthaloka, Jakarta
21/08/13 Polar Capital Arthaloka, Jakarta
30/08/13 UBS Securities Indonesia Arthaloka, Jakarta
10/09/13 Lynas Asia Fund Arthaloka, Jakarta
366
10/09/13 Churcill Research Arthaloka, Jakarta
02/10/13 QVT Group DB Access Indonesia Conference, Jakarta
02/10/13 RHB OSK AM DB Access Indonesia Conference, Jakarta
02/10/13 Panin AM DB Access Indonesia Conference, Jakarta
02/10/13 Trimegah AM DB Access Indonesia Conference, Jakarta
02/10/13 Syailendra Capital DB Access Indonesia Conference, Jakarta
02/10/13 Maybank AM DB Access Indonesia Conference, Jakarta
02/10/13 AIA Financial DB Access Indonesia Conference, Jakarta
Introduction
09/10/13 Dunross and Amp Arthaloka, Jakarta
10/10/13 Samuel Sekuritas Branch Visit
23/10/13 Sucorinvest Analyst Meeting, Four Seasons- Jakarta
23/10/13 BNI Securities Analyst Meeting, Four Seasons- Jakarta
23/10/13 JP Morgan Analyst Meeting, Four Seasons- Jakarta
23/10/13 RHB OSK Analyst Meeting, Four Seasons- Jakarta
Performance
23/10/13 Ashmore AM Analyst Meeting, Four Seasons- Jakarta
23/10/13 Mega Asset Management Analyst Meeting, Four Seasons- Jakarta
23/10/13 MNC Securities Analyst Meeting, Four Seasons- Jakarta
23/10/13 MNC Securities Analyst Meeting, Four Seasons- Jakarta
Good Corporate
23/10/13 Danareksa Investment Management Analyst Meeting, Four Seasons- Jakarta
Governance
23/10/13 CLSA Securities Analyst Meeting, Four Seasons- Jakarta
23/10/13 Citigroup Analyst Meeting, Four Seasons- Jakarta
23/10/13 Bahana Securities Analyst Meeting, Four Seasons- Jakarta
Corporate Social
Responsibility
23/10/13 Bahana TCW Analyst Meeting, Four Seasons- Jakarta
23/10/13 Samuel Sekuritas Analyst Meeting, Four Seasons- Jakarta
23/10/13 Credit Suisse Analyst Meeting, Four Seasons- Jakarta
23/10/13 Deutsche Verdana Analyst Meeting, Four Seasons- Jakarta
23/10/13 Trimegah Securities Analyst Meeting, Four Seasons- Jakarta
Consolidated
23/10/13 Ciptadana Asset Management Analyst Meeting, Four Seasons- Jakarta
23/10/13 PT Jamsostek Analyst Meeting, Four Seasons- Jakarta
23/10/13 PT Jamsostek Analyst Meeting, Four Seasons- Jakarta
23/10/13 Binaartha Securities Analyst Meeting, Four Seasons- Jakarta
23/10/13 UBS Analyst Meeting, Four Seasons- Jakarta
23/10/13 Am Capital Analyst Meeting, Four Seasons- Jakarta
Corporate Data

19/11/13 Fidelity Eastern & Oriental Jakarta
22/11/13 Valiant Investment Arthaloka
22/11/13 Edgbaston Investment UK Conference Call
29/11/13 AIA Kantor Pusat bank bjb, Bandung
10/12/13 UBS Conference Call
10/12/13 RHB OSK Securities Conference Call
10/12/13 BCA Securities Conference Call
367
Informasi bank bjb di Media Massa Tahun 2013 bank bjb Information on the Mass Media in 2013
- Selama tahun 2013 bank bjb telah mengeluarkan press release - During the year 2013 bank bjb has issued press releases for the
untuk kegiatan perusahaan diantaranya: 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 bjb Office Opening
- Wawancara khusus dilaksanakan dalam beberapa - Exclusive interview conducted in some corporate
kegiatan perusahaan seperti analyst meeting, RUPS, activities such as analyst meetings, GMS, Bond VII public
public expose, dan lainnya. 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 2013

Publication on Mass Media in 2013
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
Press Release Selama Tahun 2013

Press Release in 2013
Tanggal Berita Uraian
No.
Date News Description
1 22 Januari bank bjb Lanjutkan Upaya Aktif Pemasaran Di Berbagai Kota Penandatanganan MoU
Melalui Kemitraan Strategis
bank bjb Active Marketing Efforts Continue in Various Cities Signing of MoU
Through Strategic Partnership
2 4 Februari bank bjb gandeng Perbarindo Bali dalam penyaluran kredit Mikro Penandatanganan MoU
bank bjb gandeng Perbarindo Bali dalam penyaluran kredit Mikro
Signing of MoU
3 12 Februari bank bjb Lanjutkan Kerjasama dengan UNPAS Penandatanganan MoU
bank bjb Continue cooperation with UNPAS
Signing of MoU
368
No.
4 15 Februari bank bjb Lanjutkan Ekpansi Jaringan Kantor Peresmian 4 (empat) operasional Kantor Cabang di Wilayah DKI Jakarta
bank bjb Continue Expansion Office Network yaitu Rasuna Said, Daan Mogot, Sahardjo dan S. Parman
The inauguration of four (4) operational Branch Office in Jakarta area;

Rasuna Said, Daan Mogot, Sahardjo and S. Parman
5 28 Februari bank bjb kembali salurkan Kredit Sindikasi Penandatanganan Perjanjian Kredit Sindikasi atas nama PT. Andalan
bank bjb credit channeled Syndication Finance Indonesia
Signing of Syndicated Loan Agreement on behalf of PT. Mainstay Finance

Indonesia
6 2 Maret Launching Pajak Bumi dan Bangunan Pedesaan dan Perkotaan Launching
Introduction
(PBB-P2) Kota Cimahi dan Pekan Panutan Pajak
Launching Land and Building Tax Rural and Urban (UN-P2) Week Launching
Cimahi and Role Model Tax
7 8 Maret bank bjb menyelenggarakan Analyst Meeting 4Q-2012 Analyst Meeting 4Q-2012
bank bjb hold 4Q-2012 Analyst Meeting
Analyst Meeting 4Q-2012
8 19 Maret Penandatanganan PKS Antara PT. Taspen (Persero) dengan bank bertempat di Kantor PT. Taspen (Persero) Jakarta Pusat dilaksanakan
bjb Penandatanganan Perpanjangan Perjanjian Kerja Sama (PKS) antara
Signing of Agreement between PT. TASPEN (Persero) with bank PT. Taspen (Persero) dengan bank bjb Tentang Pembayaran Tabungan Hari
Performance
bjb Tua, Tabungan Hari Tua Multiguna, dan Pensiun Melalui Rekening Bank
housed in the Office of PT. TASPEN (Persero) Central Jakarta held Signing
Extension Agreement of Cooperation (MCC) between PT. TASPEN (Persero)
with banks bjb About Payment Savings, Multipurpose Savings, and
Retirement Through Bank Account
9 25 Maret bank bjb menyelenggarakan RUPS Tahunan Rapat Umum Pemegang Saham (RUPS)
bank bjb held Annual General Meeting of Shareholders (AGMS)
General Meeting of Shareholders (GMS)
Good Corporate
10 4 April bank bjb Terus Jalin Kerjasama dengan Perbarindo Gathering Linkage Program bank bjb dengan PERBARINDO Kepri Tahun
Governance
bank bjb Keep Establish Cooperation with Perbarindo 2013
Gathering Linkage Program bank bjb with PERBARINDO Kepri Year 2013
11 19 April bank bjb menyelenggarakan Analyst Meeting 1Q-2013 Analyst Meeting 1Q-2013
12 19 Mei Penyerahan CSR bank bjb pada HUT ke- 52 bank bjb mengadakan kegiatan sosial melalui program Corporate Social
CSR submission bank bjb in 52 Anniversary Responsibility bertempat di Klinik Asri Husada I Jalan Bekamin No. 18
Bandung
Corporate Social
Responsibility
bank bjb holding social activities through Corporate Social Responsibility
Asri Clinic located at Jalan Bekamin No. I Husada. 18 Bandung
13 Mei bank bjb Terus Berekspansi Perkembangan kredit mikro bank bjb sampai dengan per Mei 2013
bank bjb Continues Expanding
The development of micro-credit bank bjb until per May 2013
14 30 Juni bank bjb Luncurkan Kartu ATM bjb Trail Versi 2 dan Workshop bjb Event bank bjb Bandung Lautan Trail 2
E-TAX
bank bjb ATM card Trail Launches Version 2 and Workshop bjb Event bjb bank Bandung Ocean Trail 2
E-TAX
Consolidated
15 7 Juni bank bjb Kembali Alokasikan Dana CSR untuk Kegiatan Khitanan Melalui program-program Corporate Social Responsibility (CSR) yang
Massal Se-Bandung Raya telah berjalan sejak tahun 2009 hingga saat ini, bank bjb telah banyak
bank bjb Back Allocate Funds for CSR Activities mass circumcision melakukan kegiatan-kegiatan sosial hingga mencapai seluruh Wilayah
Se-Bandung Raya Indonesia.
Programs through its Corporate Social Responsibility (CSR) which has been
running since 2009 until today, the bank has been doing a lot bjb social
activities to reach all around Indonesia.
16 19 Juli bank bjb menyelenggarakan Analyst Meeting 2Q-2013 Analyst Meeting 2Q-2013
Corporate Data

17 26-28 Juli bank bjb Kembali Gelar Bazar Bulan Berkah bersama Waroeng bjb Bazar Bulan Berkah bersama waroeng bjb. Kegiatan ini merupakan salah
bank bjb Holds Blessing Bazar Bulan Berkah with Waroeng bjb satu agenda rutin bank bjb dalam menyambut bulan suci Ramadhan, dan
pada tahun ini merupakan kali kelima sejak pertama kali diadakan Bazar
Ramadhan pada tahun 2009
Bazar Bulan Berkah with waroeng bjb. This activity is one of the regular
agenda bank bjb in welcoming of Ramadan, and this year is the fifth time
since it was first held in 2009 Ramadan Bazaar
18 4 September bank bjb Memperingati Hari Pelanggan Nasional Direktur Utama bank bjb Bien Subiantoro memberikan layanan langsung
bank bjb Commemorating National Customer kepada nasabah yang sedang bertransaksi di Teller
President Director of bank bjb Bien Subiantoro provide services directly to

customers who are transacting in Teller
369

No.
19 21 September bank bjb - Road to Jak Jazz’13 bjb Road to Jak Jazz’13 - PVJ
20 24 September Investor Gathering ORI010 Bertempat di Ballroom Hotel Tunjungan Surabaya diadakan Investor
Gathering ORI010
Located in Surabaya held Ballroom Tunjungan Investor Gathering ORI010

21 28 September bank bjb – Fashionality 2013 Bertempat di Hotel Hilton Bandung diadakan event Fashionality 2013.
Event tersebut merupakan salah satu agenda dari APPMI (Asosiasi
Perancang Pengusaha Mode Indonesia) dengan misi membina,
mengangkat dan mengembangkan citra fesyen Indonesia
Taking place at the Hilton London event held Fashionality 2013. The event
is one of the agenda APPMI (Association of Indonesian Fashion Designers
and Entrepreneurs) with the mission of fostering, lift and develop the
image of Indonesian fashion
22 6 Oktober bank bjb ikuti perayaan HUT TNI ke-68 bank bjb bekerjasama dengan Komando Garnisun Tetap II/Bandung,
banks bjb follow the celebration of the 68th anniversary of the KADIN Jabar, POLDA Jabar serta Kodam III Siliwangi mengadakan kegiatan
military FunBike dengan tema “Bersama Rakyat, TNI semakin Kuat”
bank bjb in cooperation with the Permanent Garrison Command II /

Bandung, West Java Chamber of Commerce, as well as the West Java
Regional Police held a Siliwangi Military Command III funbike with the
theme “Together People, TNI increasingly Strong”
23 20 Oktober bank bjb – Jakarta International Jazz Festival 2013 Istora Senayan Jakarta diguncang oleh event yang diadakan bank bjb,
Jakarta International Jazz Festival 2013 (JakJazz 2013)
Senayan Jakarta was rocked by an event bank bjb, Jakarta International

Jazz Festival 2013 (JakJazz 2013)
24 23 Oktober bank bjb menyelenggarakan Analyst Meeting 3Q-2013 Analyst Meeting 3Q-2013
25 23 Oktober Pertamina dan bank bjb Kerjasama Korporasi & Pemanfaatan PT Pertamina (Persero) dan bank bjb menandatangani nota kesepahaman
Bahan Bakar Non Subsidi Kerjasama Bisnis Korporasi dan Jasa Layanan Perbankan serta penggunaan
Pertamina and bank bjb Cooperation Corporate & Non-Subsidized bahan bakar non subsidi pada kendaraan dinas bank bjb tersebut sebagai
Fuel Utilization bentuk dukungan terhadap kebijakan pemerintah mengenai larangan
penggunan BBM bersubsidi bagi kendaraan dinas
PT Pertamina (Persero) and the bank signed a memorandum of

cooperation bjb Corporate and Business Banking Services as well as the
use of non-subsidized fuel at service vehicles bjb banks as a form of
support for government policy on the prohibition of the use of subsidized
fuel for official vehicles
26 26 Oktober bank bjb kembali adakan penarikan undian Petik Hadiah bank bank bjb kembali menggelar program tahunan Petik Hadiah bank bjb
bjb 2013 yang ditujukan untuk para nasabah tabungan perorangan bank bjb
bank bjb hold the drawing bjb Petik Hadiah bank bjb 2013
bank bjb again held the annual program bjb Petik Hadiah banks aimed at
the individual customer savings bank bjb
27 8 November bank bjb lanjutkan kerjasama dengan PT Waskita Karya Penandatanganan akta perjanjian kredit antara bank bjb dengan
bank bjb continue cooperation with PT Waskita PT Waskita Karya (Persero) Tbk. dengan total nilai kredit sebesar
Rp. 250 miliar
The signing of the deed of loan agreement between the bank bjb
The company is PT (Persero) Tbk. with a total credit value of
Rp250 billion
28 29 November Peresmian Gedung Baru Kantor Cabang Balaraja Bertempat di Kabupaten Balaraja, dilaksanakan acara peresmian gedung
Inauguration of New Branch Office Balaraja baru bank bjb Cabang Balaraja dan Penyerahan simbolis hadiah undian
Petik Hadiah bank bjb untuk nasabah bank bjb di wilayah Banten
Housed in Balaraja District, held the inauguration of the new building bank
bjb branch and Submission Balaraja symbolic prize bank bjb Petik Hadiah
for bank customers bjb in Banten
29 13 Desember Puncak Acara Undian Petik Hadiah bank bjb 2013 bertempat di studio 8 RCTI Kebon Jeruk Jakarta diselenggarakan acara
Event peak Lottery Petik Hadiah banks bjb 2013 puncak Petik Hadiah bank bjb 2013, acara tersebut merupakan puncak
dari rangkaian pengundian pemenang hadiah bagi nasabah bank bjb yang
digelar sejak Oktober 2013 lalu
located in 8 studio Jakarta held events Kebun Orange Petik Hadiaht bank
bjb peak in 2013, the event was the culmination of a series of prize draw
winners for bank customers bjb held since October 2013
370
No.
30 21 Desember Lomba Foto bank bjb 2013 Sebagai salah satu bentuk apresiasi bank bjb kepada para pecinta
bank bjb Photo Contest 2013 fotografi di tanah air, untuk pertama kalinya bank bjb menggelar event
Lomba Foto bank bjb 2013 dan Pameran Foto dengan mengusung tema
“Arsitektur bank bjb & Foto Jurnalistik”
As a form of appreciation to the bank bjb photography lovers in the

country, for the first time the event will be held bjb bank bank bjb 2013
Photo Contest and Photo Exhibition on the theme “Architecture bank bjb
& Photo Journalism”
31 22 Desember bank bjb Service Excellence Award (BBSEA) 2013 Bertempat di GOR bank bjb diselenggarakan event bank bjb Service
Excellence Award (BBSEA) 2013. Event ini merupakan event tahunan
yang diselenggarakan oleh bank bjb, yang sebelumnya telah sukses
Introduction
diselenggarakan pada tahun 2011 dan 2012
Located in GOR bank bjb event held bank bjb Service Excellence Award
(BBSEA) 2013. This event is an annual event organized by bank bjb, which
previously had been successfully held in 2011 and 2012
32 25 Desember bank bjb Kembali Menyelenggarakan Khitanan Massal, Operasi bertempat di GOR bank bjb Jl. Naripan no. 12-14 Kota Bandung
Bibir Sumbing, dan Operasi Katarak diselenggarakan salah satu program Corporate Social Responsibility (CSR)
bank bjb Back Organizing Mass Circumcision, Cleft Lip Surgery and bank bjb yaitu Khitanan Massal, Operasi Bibir Sumbing, dan Operasi

Cataract Surgery Katarak. Kegiatan dimaksud merupakan kegiatan rutin yang dilaksanakan
bank bjb setiap liburan sekolah
Performance
Located in GOR bank bjb Jl. Naripan no. 12-14 Bandung held a Corporate
Social Responsibility (CSR) is a bank bjb Mass Circumcision, Cleft Lip
Surgery and Cataract Surgery. Activity is a routine activity that the bank
held every school holidays bjb
Good Corporate
Governance
Corporate Social
Responsibility
Consolidated
Corporate Data
371
03
Tanggung
Jawab Sosial
Perusahaan
Corporate Social Responsibility
372
Performance
373
Tanggung Jawab
Tanggung Jawab Sosial
Sosial Perusahaan
Perusahaan Corporate
Corporate Social Social Responsibility
Responsibility
Tanggung “CSR merupakan wujud nyata

peran serta bank bjb dalam
Jawab Sosial peningkatan kualitas hidup
masyarakat.”
Perusahaan “CSR is a realization of the role of bank bjb in
Corporate Social Responsibility improving the quality of life of the society.
374
Introduction
Performance
Good Corporate
Governance
Bersama pemerintah, dunia usaha ikut berperan untuk mendorong With the government, the business community has a role to encourage
pertumbuhan ekonomi yang sehat dengan mempertimbangkan healthy economic growth by also taking the environmental factors
faktor lingkungan hidup. Karena itu, dunia usaha tidak lagi hanya into considerations. Therefore, the business community no longer
memperhatikan catatan keuangan perusahaan semata (single only pay attention to the company’s financial records (single bottom
bottom line), tetapi juga termasuk aspek sosial dan lingkungan, yang line), but also includes the social and environmental aspects, which is
Corporate Social
Responsibility
biasa disebut triple bottom line. called the triple bottom line.
Perseroan menyadari, sinergi dari tiga elemen ini merupakan kunci The Company realized, the synergy of these three elements is the
dari konsep pembangunan berkelanjutan (sustainable development). key to the concept of sustainable development. Because in its
Sebab dalam perkembangannya, konsep triple bottom line telah development, the concept of the triple bottom line has become the
menjadi panduan pelaksanaan tanggung jawab sosial masyarakat di implementation guidelines of social responsibility of many companies
Consolidated
banyak perusahaan di dunia. in the world.
Sejalan dengan hal itu, bank bjb telah melaksanakan fungsi dan In line with this matter, bank bjb has implemented the social
tanggung jawab sosial melalui penyaluran dana Corporate Social responsibility and function through the Corporate Social Responsibility
Responsibility (CSR) yang dikelola secara khusus oleh Grup CSR. (CSR) distribution of funds which is managed exclusively by the CSR
Unit kerja ini dibentuk berdasarkan Surat Keputusan Direksi PT Bank Group. This work unit was established based on the Decree of the
Pembangunan Daerah Jawa Barat dan Banten Nomor 701/SK/DIR- Board of Directors of PT Bank Pembangunan Daerah Jawa Barat dan
Corporate Data
CS/2009 tentang Pengelolaan Dana Corporate Social Responsibility Banten No. 701/SK/DIR-CS/2009 on Corporate Social Responsibility
(CSR), yang diperbarui dengan Surat Keputusan Direksi PT Bank (CSR) Fund Management, which is updated with the Decree of the
Pembangunan Daerah Jawa Barat dan Banten Tbk. Nomor 015/ Board of Directors of PT Bank Pembangunan Daerah Jawa Barat dan
SK/DIR-CS/2011 tanggal 7 Januari 2011 tentang Pengelolaan Dana Banten Tbk No. 015/SK/DIR-CS/2011 dated January 7, 2011 on the
Corporate Social Responsibility (CSR). Fund Management of Corporate Social Responsibility (CSR).
Berdasarkan surat keputusan tersebut, telah ditunjuk Pemimpin Based on the decree, the Head of the Corporate Secretary Division
Divisi Corporate Secretary dan Pemimpin Grup CSR selaku pengelola and the Head of the CSR Group have been appointed as managers
dana CSR bank bjb. of CSR funds of bank bjb.
375
Bagi Perseroan, penyaluran dana CSR merupakan wujud nyata peran For the Company, the distribution of CSR funds is a realization of the
serta bank bjb dalam peningkatan kualitas hidup masyarakat. Hal itu role of bank bjb in improving the quality of life. This was implemented
dilakukan melalui peningkatan dan perbaikan di sektor pendidikan, through enhancements and improvements in education, health, and
kesehatan, dan lingkungan hidup yang tersebar di berbagai wilayah environment spread in different areas of West Java, Banten and other
Jawa Barat, Banten dan wilayah operasional bank bjb lainnya. operational areas of bank bjb.
Rangkaian kegiatan tersebut dilakukan bank bjb bukan hanya untuk The series of activities are performed by bank bjb not only to fulfill
memenuhi amanat Peraturan Pemerintah Nomor 47 tahun 2012 the mandate of the Government Regulation No. 47 of 2012 on
Tentang Tanggung Jawab Sosial dan Lingkungan Perseroan Terbatas. Corporate Social Responsibility and the Environment of a Limited
Namun, bank bjb menyadari sepenuhnya bahwa keberlanjutan Liability Company. However, bank bjb is fully aware that the
bisnis perusahaan akan tergantung bagaimana Perseroan company’s business sustainability will depend how the Company
membangun ikatan dengan lingkungannya. develops bonds with its environment.
Landasan Hukum Legal Basis

Dalam pengelolaan dan pelaksanaan CSR bank bjb mengacu pada In the management and implementation of CSR, bank bjb refers to
peraturan -peraturan berikut: the following regulations:
1. Peraturan Pemerintah Nomor 47 tahun 2012 Tentang Tanggung 1. Government Regulation No. 47 of 2012 on Corporate Social
Jawab Sosial dan Lingkungan Perseroan Terbatas. Responsibility and the Environment of a Limited Liability
2. Hasil Rapat Umum Pemegang Saham Tahunan PT Bank Company.
Pembangunan Daerah Jawa Barat dan Banten, Tbk Nomor 98 2. Results of the Annual General Meeting of Shareholders of PT
Tanggal 26 Maret 2012. Bank Pembangunan Daerah Jawa Barat and Banten Tbk No. 98
3. Surat Keputusan Direksi PT Bank Pembangunan Daerah Jawa Dated March 26, 2012.
Barat dan Banten, Tbk Nomor 116/SK/DIR-CS/2012 tanggal 14 3. The Decree of the Board of Directors of PT Bank Pembangunan
Februari 2012 Tentang Pedoman Pelaksanaan CSR. Daerah Jawa Barat and Banten Tbk No. 116/SK/DIR-CS/2012
4. Surat Keputusan Direksi PT Bank Pembangunan Daerah Jawa dated February 14, 2012 on CSR Implementation Guidelines
Barat dan Banten, Tbk. Nomor 1314/SK/DIR-CS/2010 tanggal 4. The Decree of the Board of Directors of PT Bank Pembangunan
22 Juni 2010 tentang Kewenangan Pemberian Persetujuan Dana Daerah Jawa Barat and Banten Tbk No. 1314/SK/DIR-CS/2010
Corporate Social Responsibility (CSR). dated June 22, 2010 on the Authority of Corporate Social
5. Surat Keputusan Direksi PT Bank Pembangunan Daerah Jawa Responsibility (CSR) Fund Provision Approval.
Barat dan Banten, Tbk Nomor 015/SK/DIR-CS/2011 tentang 5. The Decree of the Board of Directors of PT Bank Pembangunan
Pengelolaan Dana Corporate Social Responsibility (CSR). Daerah Jawa Barat and Banten Tbk No. 015/SK/DIR-CS/2011 on
6. Surat Keputusan Direksi PT Bank Pembangunan Daerah Jawa the Corporate Social Responsibility (CSR) Fund Management.
Barat dan Banten, Tbk Nomor 591/SK/DIR-CS/2011 tentang 6. The Decree of the Board of Directors of PT Bank Pembangunan
Perlakuan Terhadap Rekening Giro Dana Corporate Social Daerah Jawa Barat and Banten Tbk No. 591/SK/DIR-CS/2011
Responsibility (CSR). on Treatment of Corporate Social Responsibility (CSR) Current
Account Funds.
Sumber Dana Source of Funds

Dana CSR bank bjb tahun 2013 bersumber dari: CSR funds of bank bjb in 2013 is derived from from:
1. Penyisihan laba setelah pajak dengan besaran yang ditetapkan 1. Provision of income income after tax with an amount set by the
oleh RUPS. GMS.
Perseroan kembali mengalokasikan sebagian dari perolehan laba The Company re-allocate a portion of the profit for CSR programs,
bagi program CSR, sesuai hasil Rapat Umum Pemegang Saham in accordance to the results of the Annual General Meeting of
(RUPS) Tahunan. Keputusan itu mengatur bahwa laba perseroan Shareholders (AGM). The decision determines that a portion the
antara lain digunakan untuk dana CSR maksimal 5% (lima company’s profits will be utilized as CSR funds with a maximum
persen). of 5% (five percent).
2. Bunga jasa giro Program CSR. 2. Interest on current accounts of the CSR program.
Berdasarkan Keputusan Direksi nomor 591/SK/DIR-CS/2011 Based on the Decree of the Board of Directors No. 591/SK/DIR-
Tanggal 20 Oktober 2011 Tentang Perlakuan Terhadap Rekening CS/2011 dated October 20, 2011 on the Treatment of Demand
Giro Dana Corporate Social Responsibility (CSR), dana CSR Deposit Account Funds pf Corporate Social Responsibility (CSR),
376
yang ditempatkan di rekening giro CSR tidak diberikan jasa CSR funds placed in the current account is not given current
giro serta dibebaskan dari seluruh biaya dalam aktivitas gironya. account services and is exempted of all cost in the activities of its
Namun tidak dilakukan koreksi atas jasa giro dan biaya yang account. However no correction will be conducted on account
telah diberikan/dibebankan sebelum keputusan direksi tersebut services and the fees which have been granted/ imposed prior to
diberlakukan. 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 not been
Dana CSR yang tersedia di tahun 2013 merupakan alokasi dana distributed.
CSR tahun 2013 yang telah ditetapkan dalam RUPS Tahunan CSR funds available in 2013 is an allocation of CSR fund in
serta akumulasi saldo dana CSR tahun sebelumnya yang belum 2013 which has been set out in the Annual GMS as well as the
Introduction
habis digunakan. accumulation of the remaining CSR balance from the previous
year
Fokus Pelaksanaan Implementation Focus

Program CSR bank bjb pada dasarnya meliputi peningkatan kualitas The CSR program of bank bjb basically includes the improvement
hidup di sektor pendidikan, kesehatan, dan lingkungan hidup. Dalam of the quality of life in education, health, and the environment. In
Performance
pelaksanaannya, bank bjb bekerja sama dengan pemerintah daerah practice, bank bjb cooperates with local authorities and partners
maupun mitra-mitra seperti yayasan, lembaga, organisasi maupun such as foundations, institutions, organizations and universities. CSR
perguruan tinggi. Seluruh kegiatan CSR yang dilaksanakan bank activities undertaken by bank bjb must provide added value to its
bjb harus memberikan nilai tambah bagi penerima manfaat serta beneficiaries and spread to various sectors and regions.
tersebar ke berbagai sektor dan wilayah.
Good Corporate
Governance
Kegiatan tanggung jawab sosial yang dilaksanakan bank bjb juga Social responsibility activities undertaken by bank bjb also apply
menerapkan prinsip keberlanjutan dan kesinambungan dalam the sustainability and continuity principles in its implementation.
pelaksanannya. Dengan begitu, komitmen untuk memberikan Therefore, the commitment to contribute to all stakeholders can
kontribusi bagi segenap pemangku kepentingan dapat benar-benar actually materialize in line with the business development of bank
terwujud sejalan dengan perkembangan bisnis bank bjb yang kian bjb which is accelerating.
melesat.
Corporate Social
Responsibility
Sepanjang tahun 2013, bank bjb telah menyalurkan dana CSR Throughout 2013, bank bjb has disbursed CSR funds in the amount
sebesar Rp39,69 miliar. Jika pada tahun 2012 program CSR lebih of Rp39.69 billion. If the CSR program in 2012 is more absorbed
banyak terserap di sektor pendidikan, yakni mencapai 58% dari total in the education sector, which reached 58% of the total portfolio,
penyaluran, pada tahun 2013 sektor lingkungan hidup menjadi area in 2013 the environmental sector becomes the area which absorbs
yang paling banyak menyerap dana CSR. Total penyerapan sebesar most of the CSR fund. The total absorption is in the amount of
Rp20,2 miliar atau setara 50,9% dari total penyaluran. Rp20.2 billion or 50.9% of the total disbursement.
Consolidated
Dibandingkan tahun 2012, jumlah tersebut meningkat 13%. Compared to 2012, that number increased by 13%. The increase
Peningkatan juga terjadi pada penyaluran di sektor kesehatan. Jika also occurred in the distribution of the health sector. If in 2012
pada tahun 2012 yang disalurkan sebesar Rp4,09 miliar, maka tahun Rp4.09 billion was disbursed, in 2013 the amount increased by 77%
2013 meningkat 77%, menjadi Rp7,23 miliar. Sedangkan pada sektor to Rp 7.23 billion. While the education sector, up to the end of 2013,
pendidikan, hingga tahun 2013 bank bjb telah menyalurkan dana bank bjb has disbursed CSR funds in the amount of Rp12.26 billion
Corporate Data
CSR sebesar Rp12,26 miliar atau setara 30,89% dari total dana. or 30.89% of the total fund.
Dana CSR 2013

CSR Fund 2013
50,90%
Lingkungan Hidup
Environment
50,90% Kesehatan
Health
18,21%
30,89% Pendidikan
Education
377
A. Lingkungan Hidup A. Environment
Program Hari Lingkungan merupakan usulan program yang Environment Day Program is a proposal which is in line with the
sesuai dengan Perilaku Utama Budaya Perusahaan bank Coorporate Culture’s Main Behaviour of bank bjb item 9, namely
bjb butir ke-9, yaitu “Peduli Pada Lingkungan”. Salah satu “Caring for the Environment.” One of its implementation, by
perwujudannya, dengan memberikan kontribusi positif kepada giving positive contributions to the surrounding community,
lingkungan masyarakat sekitar, sehingga dapat meningkatkan boosting bank bjb’s image
image bank bjb.
Terkait dengan program ini, Perseroan melakukan gerakan In associations with this program, the Company conducted the
pengumpulan barang yang sudah tidak terpakai, namun masih gathering of unused yet still viable goods movement. The program
layak. Program tersebut dilakukan oleh setiap karyawan secara is performed by each employee every month continuously on
kontinu setiap bulan pada tanggal 20 (sesuai dengan hari ulang the 20th (in accordance with bank bjb’s birthday). The collected
tahun bank bjb). Barang yang terkumpul akan dipilah dan items will be sorted and donated to the local community in
disumbangkan kepada masyarakat sekitar yang membutuhkan. need.
Perseroan menempatkan sektor lingkungan hidup bersama The Company placed the environmental sector together with
dengan sosial kemasyarakatan sebagai program CSR yang sangat civil society as a crucial CSR program. This is why, in 2013, these
penting. Karena itulah, pada tahun 2013, kegiatan tersebut activities acquired the largest portion of the CSR funds.
mendapatkan porsi terbesar atas dana CSR.
1. Kebijakan Program 1. Program Policy

Program CSR yang dilakukan di sektor lingkungan hidup The CSR programs performed in the environmental and civil
dan sosial kemasyarakatan mencakup peningkatan taraf society sector include improving the standard of living as
hidup serta pemberdayaan masyarakat, penyediaan sarana, well as community empowerment, provision of facilities, and
dan prasarana maupun fasilitas umum yang memadai, infrastructure and adequate public facilities, improvement of
peningkatan kualitas lingkungan hidup, hingga pemulihan environmental quality, up to restoring the condition of society
kondisi masyarakat dan peran serta masyarakat dalam and public participation in environmental preservation. Funds
pemeliharaan lingkungan. Realisasi penggunaan dana use realizations for the environmental sector amounted to
untuk sektor lingkungan hidup berjumlah Rp20,2 miliar atau Rp20.2 billion, or 50.9% of the CSR total funding in 2013.
50,9% dari total dana CSR tahun 2013.
Partisipasi aktif bank bjb pada pengembangan kehidupan Active participation of bank bjb in the development of
sosial masyarakat dengan mendistribusikan sebagian dari the social life of the community by distributing a portion
nilai-nilai ekonomi yang diperoleh untuk pembangunan dan of the economic values obtained for the development and
peningkatan kualitas lingkungan hidup, merupakan dasar enhancement of the environmental quality, is fundamental

dalam membangun hubungan dengan masyarakat. Program in building the relationships with the community. This
ini bukan saja berdampak signifikan dalam memperbaiki program not only have a significant impact in improving
dan meningkatkan kondisi sosial dan kehidupan masyarakat and enhancing the social and living conditions of the people
yang terlibat dalam program, tetapi sekaligus berdampak involved in the program, but also have a broad impact on
luas terhadap komunitas lainnya. other communities.
Salah satu upaya untuk memperbaiki dan meningkatkan One of the effort to improve and enhance social conditions
kondisi sosial dan kesejahteraan masyarakat adalah melalui and welfare of the community is through the uninhibitable
kegiatan rehabilitasi rumah tidak layak huni. Program homes rehabilitation activity. The program is a stimulant
ini merupakan program stimulan yang pada gilirannya which in turn aims to spur the growth of community
Introduction
bertujuan untuk memacu tumbuhnya kesadaran, kemauan, consciousness, volition, and care in creating livable housing
serta kepedulian masyarakat dalam menciptakan kondisi conditions in a healthy and orderly environment.
perumahan yang layak huni dalam lingkungan yang sehat
dan teratur.
Terkait bencana yang terjadi, bank bjb turut serta dalam upaya In associations with disasters occured, bank bjb participates
Performance
meringankan beban dan pemulihan kondisi masyarakat. in alleviating the burden and recovery of the community’s
Selain itu, terlibat dalam upaya pencegahannya. conditions. Moreover, engaging in the prevention efforts.
Seperti diketahui, tak sedikit bencana alam yang merupakan As known, a lot of natural disasters are the result of human
akibat dari ulah manusia itu sendiri. Karena itu, bank bjb activities themselves. Therefore, bank bjb recognizes the
menyadari pentingnya pelestarian lingkungan sebagai importance of environmental protection as part of disaster
Good Corporate
Governance
bagian dari upaya pencegahan bencana melalui kegiatan prevention efforts through tree planting activities, both in
penanaman pohon, baik itu di daerah resapan air dan di the water catchment areas and coastal breakwater.
pesisir pantai sebagai penahan ombak.
Perseroan juga memiliki perhatian serius terkait permasalahan The Company also has a serious concern related to the waste
sampah, terutama di kawasan perkotaan. Sebab, setiap problem, especially in the urban areas. Because, every day
Corporate Social
hari sampah selalu diproduksi sebagai ekses dari aktivitas garbage is always produced as excesses of human activity in
Responsibility
manusia di suatu daerah. Jika dibiarkan tanpa ada the area. If left without any serious treatment, it is unlikely to
penanganan serius, bukan tidak mungkin akan menjadikan make an area of the city as an ocean of trash. With the right
suatu daerah sebagai kota lautan sampah. Dengan strategi strategy, trash can actually be managed properly and in turn
yang tepat, sampah sebenarnya dapat dikelola dengan baik providing economic benefits to the surrounding community.
dan pada gilirannya bisa memberikan manfaat ekonomis
bagi masyarakat sekitar.
Consolidated
2. Pelaksanaan Kegiatan 2. Implementation of Activities
Selama tahun 2013, beberapa kegiatan penyaluran dana During 2013, several CSR fund distribution activities in the
CSR di bidang lingkungan hidup dan sosial kemasyarakatan environmental and civil society field by bank bjb are among
yang dilakukan bank bjb di antaranya: others:
a. Kegiatan rehabilitasi rumah tidak layak huni. a. Rehabilitation of uninhabitable houses activities.
Corporate Data
Aktivitas ini diadakan di Kabupaten Sumedang, Kota dan This activity was carried out in the Sumedang Regent,
Kabupaten Bogor, Kota Banjar, Kabupaten Kuningan, the City and Regency of Bogor, CIty of Banjar, Kuningan
Kabupaten Sukabumi, Kota Tasikmalaya, Kabupaten Regency, Sukabumi Regency, City of Tasikmalaya, Garut
Garut, Kabupaten Cianjur, Kota dan Kabupaten Regency, Cianjur Regency, the City and Regency of
Bandung, DKI Jakarta, serta Bali. Kegiatan tersebut Bandung, DKI Jakarta, and Bali. These activities were
dilakukan, bekerja sama dengan Pemerintah Daerah carried out, in collaboration with the respective Local
masing-masing, lembaga, atau masyarakat setempat. Government, institutions or the local community.
b. Perbaikan dan peningkatan kualitas hidup masyarakat. b. Restoring and improving the quality of the people’s life
Hal ini dilakukan dengan tetap melibatkan peran serta This is carried out while still involving the community in
masyarakat dalam pemeliharaannya, di antaranya: the maintenance, among others:

- Peningkatan ekonomi masyarakat desa melalui - Improvement of the rural economy through the
penerapan teknologi tepat guna berbasis pangan application of appropriate technology based on
lokal. local food.
- Pengadaan mesin giling padi dan mesin pengiris - Procurement of rice milling machine and banana
pisang Kelompok Tani Bima Sakti dan Mekar Jaya slicing machine for the Bima Sakti and Mekar Jaya
Kabupaten Bandung Barat. Farmer Groups in the Regency of West Bandung.
- Pembangunan “Rumah Tempe” dan pengadaan - The construction of “Rumah Tempe” and the
alat. procurement of equipments.
- Bantuan usaha produksi bata merah Yayasan Abdul - Red brick production business assistance for the
Djalil Assalafiyah. Abdul Djalil Assalafiyah Foundation.
- Pengembangan usaha ternak domba Kelompok - Business development of sheep farming for the
Tani Sami Wargi. Sami Wangi Farmer Group.
- Budidaya ternak domba Kelompok Tani Harapan - Sheep farming development for the Harapan Muda
Muda Kabupaten Cianjur. Farmers Group in the Regency of Cianjur.
c. Berpartisipasi dalam kegiatan “Gerakan Sejuta Biopori” c. Participating in the “One Million Biopores Movement”
di Kota Bandung. activity in the City of Bandung.
Kegiatan ini merupakan salah satu solusi masalah banjir This activity is one of the solution to the flooding and
dan sampah karena biopori berfungsi sebagai resapan garbage problem because biopores serves as a water
air dan membantu pelapukan sampah organik menjadi catchment and help in the weathering of organic waste
kompos, sehingga menghidupi fauna tanah, yang into compost, preserving the soil fauna, which in turn
seterusnya mampu menciptakan pori-pori di dalam will create pores in the soil.
tanah.
d. Penanggulangan sampah di Kota Bandung. d Waste handling in the City of Bandung.

Kegiatan ini dilakukan bekerja sama dengan Dinas This activity is conducted in collaboration with the
Lingkungan Hidup Kota Bandung serta aparat Department of the Environment of the City of Bandung
pemerintahan di kelurahan Maleer untuk mendirikan as well as government officials in the Maleer sub-district
tempat pengolahan sampah. Pengolahan sampah yang to establish a waste treatment facility. The established
didirikan masih dalam lingkungan kecil yaitu tingkat RW waste management is still in a small environment namely
dengan kapasitas daya tampung sampah 10 ton/hari. the local level with the waste capacity of 10 tons/ day.
Sampah yang masuk ke tempat pengolahan dibagi Waste that goes into the processing place is divided
menjadi dua jenis sampah, yaitu sampah organik dan into two types of waste, namely organic and inorganic
sampah anorganik. Dari upaya pengolahan sampah waste. Organic waste treatment efforts have resulted in
organik telah menghasilkan beberapa produk, seperti: several products, such as:
380
- Pupuk cair yang sudah bisa dipasarkan dengan - Liquid fertilizer that could be marketed at a price of
harga Rp20.000/liter. Rp20,000/liter.
- Gas metanol yang dapat dipergunakan oleh - Methanol gas which can be used by people around
masyarakat sekitar pengolahan sebagai bahan bakar the processing site as fuel in food processing to sell
dalam pengolahan makanan untuk berjualan berupa fried foods. Not to forget also, this gas can also be
gorengan. Tak lupa juga, dari gas ini dapat diolah processed into electrical energy used for lighting in
menjadi tenaga listrik yang dipergunakan untuk offices or the waste treatment facilities.
penerangan di kantor atau tempat pengolahan
sampah ini.
Introduction
Sedangkan pengolahan sampah anorganik telah While inorganic waste has resulted in products in
menghasilkan produk berupa plastik yang telah dicacah the form of plastics that has been chopped into raw
menjadi bahan baku untuk pembuatan peralatan yang materials for the manufacturing of equipment made
terbuat dari bahan baku plastik. of raw plastic materials.
e. Peningkatan ekonomi masyarakat desa melalui e. The improvement in the rural economy through the
Performance
penerapan teknologi tepat buna berbasis pangan lokal application of appropriate technology based on the local
di Kabupaten Garut dan Cianjur. food in Garut and Cianjur.
Pengolahan hasil pertanian dapat dilakukan secara The processing of agricultural products can be
optimal melalui penerapan teknologi tepat guna. performed optimally through the application of the
Melalui Penerapan teknologi tepat guna diharapkan appropriate technology. Through the application of
Good Corporate
Governance
dapat menghasilkan produk olahan yang lebih baik dan appropriate technology, production of better and high
berkualitas serta berdaya jual tinggi, yang pada akhirnya quality processed products as well as having a high
dapat meningkatkan ekonomi masyarakat setempat. selling power is expected, which in turn can improve the
economics of the local economy.
f. Bantuan rumah layak huni. f. Appropriate housing assistance.
Corporate Social
Perseroan memberikan bantuan berupa perbaikan The company provides assistance in the form of total
Responsibility
total dari rumah Bapak Nomas yang berprofesi sebagai repair of Mr. Nomas’ house who works as a shoe laborer.
buruh sepatu. Rumah tersebut sebelumnya tergolong The house was previously classified as an uninhabitable
sebagai rumah tidak layak huni untuk tempat tinggal house to live in because the flooring conditions that do
karena kondisi lantai tidak menggunakan keramik, not use ceramic floor, do not have a ceiling, asbestos
tidak memiliki plafon, tutup atap asbes, dinding rumah roof lid, scrap plywood as walls, scrap zinc, banners and
memakai triplek bekas, seng bekas, spanduk dan tidak do not have a bathroom.
Consolidated
memiliki kamar mandi.
3. Dampak Keuangan/Biaya dari Pelaksanaan Kegiatan. 3. Financial/Cost Impact of Implementation Activities.

Pelaksanaan kegiatan CSR sektor lingkungan hidup dan sosial The implementation of CSR activities in the environment and
kemasyarakatan tidak memiliki dampak keuangan karena social sector do not have any financial impact because CSR
Dana CSR disisihkan 5% dari laba bersih perusahaan. funds is set aside 5% of the company’s net profit.
Corporate Data

Sektor Lingkungan Hidup dan Sosial
Kemasyarakatan
Environmental and Social Community Sector
No Total (Rp)
1 Pembangunan/rehabilitasi prasarana umum 9.771.659.981 Development/rehabilitation of public infrastructures
2 Pemberdayaan masyarakat 1.514.673.650 Community Empowerment
3 Pemulihan Kondisi Masyarakat 68/340.000 Restoring the People's Conditions
4 Pengadaan sarana /fasilitas umum 1.758.905.000 Procurement of public facilities/infrastructures
5 Peningkatan taraf hidup masyarakat 299.201.500 Improvement of the people's standard of living
6 Perbaikan/peningkatan kualitas lingkungan hidup 6.790.317.511 Environmental quality conservation/improvement
Total 20.203.097.642 Total
381
Lingkungan Hidup dan Sosial Kemasyarakatan

Environmental and Social Community
7,50%
0,34%
8,71% Pembangunan/rehabilitasi prasarana umum
Development/rehabilitation of public infrastructures
1,48%
Perbaikan/peningkatan kualitas hidup
48,37% Environmental quality conservation/improvement
48,37% Peningkatan taraf hidup masyarakat

Improvement of the people’s standard of living
33,61% Pengadaaan sarana/fasilitas umum
Procurement of public facilities/infrastructures
Pemulihan kondisi masyarakat
Restoring the People’s Conditions
Pemberdayaan Masyarakat
Community Empowerment
B. Sektor Pendidikan B. Education Sector
Perseroan memberikan perhatian lebih bagi sektor pendidikan The company pays more attention to the education sector as a
karena merupakan prioritas utama dalam upaya pengembangan key priority in the development of the society. bank bjb wishes
masyarakat. bank bjb ingin ikut serta dalam membentuk generasi to participate in shaping the next generation of quality.
mendatang yang berkualitas.
1. Kebijakan 1. Policy
Program CSR kepada lembaga pendidikan ditujukan mulai The CSR program for educational institutions is aimed at from
dari pendidikan anak usia dini hingga perguruan tinggi, the early childhood education through college, vocational
sekolah kejuruan. Penyaluran terbesar diberikan bagi sekolah school. The largest distribution is given to primary schools,
dasar, dengan mempertimbangkan bahwa pengetahuan taking into account that the basic knowledge, personality,
dasar, kepribadian, akhlak, dan keterampilan awal dimulai morals, and the initial skills are initiated from a good basic
dari pendidikan dasar yang baik. education.
Penyediaan sarana dan prasarana pendidikan masih menjadi The provision of educational facilities and infrastructures
fokus utama CSR bank bjb. Hal itu terlihat dari penyaluran remains a major focus of bank bjb’s CSR. This is evident
dana CSR pada tahun 2013 sebesar Rp10,4 miliar yang from the distribution of CSR funds in 2013 which amounted
dialokasikan untuk pembangunan dan rehabilitasi ruang to Rp10.4 billion is allocated for the construction and
kelas, serta penyediaan alat dan materi penunjang belajar rehabilitation of classrooms, as well as the provision of tools
mengajar di ratusan sekolah yang tersebar di wilayah and materials which support the teaching and learning in
Jawa Barat dan Banten serta wilayah bank bjb beroperasi. hundreds of schools throughout the region of West Java and
Beberapa kegiatan yang telah dilaksanakan, di antaranya Banten as well as other regions where bank bjb operates.

pembangunan child center, bantuan komputer, pembuatan Some of the activities that have been implemented are
lapangan olahraga, serta bantuan seragam. among others, the construction of child development center,
computer assistance, development of sports fields, as well as
uniform assistance.
Selain penyediaan sarana dan prasarana, bank bjb berusaha In addition to the provision of facilities and infrastructure,
mengoptimalkan fungsi koperasi sekolah melalui edukasi bank bjb seeks to optimize the function of the school
budaya menabung serta penanaman budaya wirausaha ke cooperative through the education of savings culture
sekolah-sekolah. Tujuan program ini untuk membiasakan saving as well as fostering entrepreneurial culture into
menabung dan mengenalkan wirausaha sejak dini melalui the schools. The purpose of this program is to familiarize
Introduction
koperasi sekolah, mengingat lembaga itu dibentuk sebagai and introduce savings and entrepreneurship early through
bagian dari tujuan pendidikan. Yakni, dalam rangka school cooperatives, taking into account that the institution
menanamkan kesadaran berkoperasi dan menanamkan jiwa was formed as part of the purpose of education. Namely,
wirausaha sejak dini. in order to instill awareness of cooperatives and fostering
entrepreneurial spirit early.
Performance
2. Pelaksanaan Kegiatan 2. Implementation Activities
Selama tahun 2013, beberapa kegiatan penyaluran dana During 2013, several CSR fund distribution activities in the
CSR di bidang pendidikan yang dilakukan bank bjb di field of education by bank bjb include:
antaranya: a. During the month of Ramadan and in welcoming the
a. Selama bulan Ramadhan dan menyambut tahun ajaran new 2013/2014 academic year, bank bjb handed school
baru 2013/2014, bank bjb menyerahkan seragam uniforms and school supplies to 1500 orphans and the
Good Corporate
Governance
sekolah dan perlengkapan sekolah kepada 1500 anak poor.
yatim dan dhuafa. b. During the 2013 period, bank bjb has established
b. Selama periode 2013, bank bjb telah menjalin kerja sama cooperation with 16 schools, related to the CSR program
dengan 16 sekolah terkait program CSR pemberdayaan empowering schools cooperatives aimed at improving
koperasi sekolah yang bertujuan untuk meningkatkan the welfare of members of the cooperative and the
kesejahteraan anggota koperasi dan masyarakat pada community in general.
Corporate Social
umumnya. c. Cooperates with “Sahabat Edukasi”, bank bjb provides
Responsibility
c. Bekerja sama dengan “Sahabat Edukasi”, bank bjb motivation and to bridge the students to continue their
memberikan motivasi dan untuk menjembatani para education to a higher level, especially universities. This
siswa untuk melanjutkan sekolah ke jenjang yang lebih program aims to increase the interest of high school
tinggi, khususnya universitas. Program ini bertujuan graduates to be able to go to college. The activity itself
untuk meningkatkan minat siswa lulusan SMA untuk is in the form additional classes for high school students
dapat lanjut ke perguruan tinggi. Bentuk kegiatannya for 2 (two) days a week, on educational and creativity
Consolidated
berupa kelas tambahan bagi siswa SMA selama 2 (dua) materials with the local flavor typical of West Java.
hari seminggu, mengenai materi edukasi dan kreativitas d. The Company is also aware that not everyone has the
bercita rasa lokal khas Jawa Barat. same opportunities and access for education. In order
d. Perseroan juga menyadari bahwa tidak semua orang to expanding theopportunity, bank bjb also encourage
memiliki kesempatan dan akses yang sama dalam the next generation to be able to realize their dreams by
mengeyam pendidikan. Demi memperluas kesempatan providing trainings and scholarships.
Corporate Data
tersebut, bank bjb ikut mendorong generasi penerus

bangsa untuk dapat mewujudkan mimpi mereka dengan
memberikan pelatihan dan beasiswa.
Hal itu tidak terbatas bagi pelajar dan mahasiswa yang It was not limited to students and college students
berprestasi, namun juga bagi para guru dan buruh with achievements, but also for teachers and migrant
migran. Program beasiswa dan pelatihan tersebut di workers. Scholarships and training programs include:
antaranya: - Computer Skills Training, Character and Motivation
- Pelatihan Keterampilan Komputer, Character and Building in collaboration with Berkah International
Motivation Building bekerja sama dengan Berkah Limited
Internasional Limited

- Beasiswa Dokter Yatim bekerja sama dengan Rumah - Orphan Doctor Scholarship in collaboration with
Yatim Orphanages
- Pelatihan bagi guru dan beasiswa bekerja sama - Training for teachers and scholarships in collaboration
dengan IBI Darmajaya with IBI Darmajaya
- Beasiswa untuk 100 siswa SD dan 100 siswa SMP - Scholarships for 100 elementary students and 100
bekerja sama dengan Dinas Pendidikan Pemerintah junior high school students in collaboration with
Kota Batam the Department of Education of the Government of
Batam
3. Dampak Keuangan/Biaya dari Pelaksanaan 3. Financial/Cost Impact of Implementation

Kegiatan Activities
Pelaksanaan kegiatan CSR sektor pendidikan tidak memiliki The implementation of CSR activities in the educational
dampak keuangan karena Dana CSR disisihkan 5% dari laba sector do not have any financial impact because CSR funds
bersih perusahaan. is set aside 5% of the company’s net profit.
Sektor Pendidikan
Education Sector
No Total (Rp)
1 Pembangunan/rehabilitasi prasarana pendidikan 8.970.568.568 Development/rehabilitation of education infrastructures
2 Pengadaan sarana pendidikan 1.442.274.660 Procurement of education facilities/infrastructures
3 Penguatan akses masyarakat terhadap layanan 556.150.000 Strengthening community access to education
pendidikan
4 Pelestarian Budaya Daerah 1.291.860.100 Regional Cultural Preservation
5 Total 12.260.853.328 Total
Pendidikan
Education
10,54%
Pembangunan/rehabilitasi prasarana pendidikan
4,54%
Construction/rehabilitation of educational infrastructure
Pengadaan sarana pendidikan
73,16% Procurement of educational facilities
73,16% Penguatan akses masyarakat terhadap layanan pendidikan

Strengthening community access to education
Pelestarian budaya daerah
11,76% Regional Cultural Preservation
C. Sektor Kesehatan C. Health Sector
Kesehatan adalah sesuatu yang sangat berharga dan tidak Health is something very precious and invaluable. Therefore,
ternilai. Karena itulah, bank bjb melalui CSR memberikan bank bjb through its CSR pays attention to this sector by
perhatian pada sektor ini dengan mengadakan kegiatan yang organizing activities that have the objectives to maintain and
bertujuan memelihara dan meningkatkan kesehatan. Selain improve health. In addition, as an effort in eradication and
itu, sebagai upaya penanggulangan dan pencegahan dengan prevention with the aim to achieve an optimal health level for
bertujuan mewujudkan derajat kesehatan yang optimal bagi the surrounding community.
masyarakat.
Seperti diketahui, dalam dua tahun terakhir Indeks As known, in the last two years the Human Development
Pembangunan Manusia (IPM) Indonesia terus mengalami Index (IPM) of Indonesia continued to experience encouraging
perbaikan yang cukup menggembirakan, jika pada tahun improvements, if Indonesia in 2011 was in the position 124
2011 Indonesia berada pada posisi 124 dari 187 negara yang out of 187 countries surveyed by the UNDP (United Nations
disurvei UNDP (United Nations Development Programme), Development Programme), in 2012 Indonesia rose 3 ranks
maka pada 2012 naik 3 peringkat ke urutan 121 dari to 121 out of 187 countries. In that position, bank bjb seeks
384 Kriteria ARA No. VI.19, VI.19.1,3

Introduction
Performance
187 negara. Pada posisi itulah, bank bjb berupaya terlibat to be involved in every step of progress and improvement of
dalam setiap langkah kemajuan dan peningkatan kualitas the quality of the Indonesian human life.
kehidupan manusia Indonesia.
CSR bidang kesehatan yang dilakukan bank bjb dialokasikan CSR conducted by bank bjb in the health sector is allocated
untuk penyediaan, peningkatan, dan perbaikan sarana for the provision, improvement, and repair of infrastructure
Good Corporate
Governance
prasarana maupun layanan kesehatan masyarakat. and public health services. The increase, supply, and repair
Peningkatan, penyediaan, dan perbaikan antara lain melalui including through the development of health centers,
pembangunan Puskesmas, pembangunan Posyandu, construction of integrated health, clean water supply,
pengadaan sarana air bersih, pembangunan MCK. Kegiatan construction of toilets. This activity absorb Rp7.23 billion, an
ini menyerap dana sebesar Rp7,23 miliar, meningkat 77% increase of 77% compared to the previous year.
dibandingkan tahun sebelumnya.
Corporate Social
Responsibility
Beberapa kegiatan penyaluran dana CSR di bidang kesehatan Several CSR fund distribution activities in the health sector
yang dilakukan bank bjb sepanjang 2013, di antaranya: by bank bjb throughout 2013, including:
a. Bertepatan dengan ulang tahun yang ke-52, bank bjb a. Coinciding with its 52nd anniversary, bank bjb
secara serentak menyelenggarakan kegiatan sosial di simultaneously organized social events in 64 health
64 Puskesmas dan klinik yang tersebar di beberapa centers and clinics spread across the several regions of
Consolidated
wilayah Indonesia. Kegiatannya meliputi bantuan alat Indonesia. The activities include health assistance, health
kesehatan, renovasi Puskesmas, pemeriksaan kesehatan, center renovation, health checks, and child nutrition
dan perbaikan gizi anak. Untuk kegiatan ini, total dana improvements. For this activity, the total funds disbursed
disalurkan sebesar Rp 3.054.637.163. was Rp 3,054,637,163.
b. Perseroan juga telah melaksanakan program khitanan b. The Company has also implemented a program of
massal sebanyak 1.100 anak di enam kota besar: mass circumcision to 1,100 children in six major cities:
Corporate Data
Bandung, Jakarta, Surabaya, Medan, Semarang, Bandung, Jakarta, Surabaya, Medan, Semarang,
Makassar. Kegiatan ini akan rutin diselenggarakan tiap Makassar. This activity will be held regularly every year
tahun di kota-kota besar di Indonesia. in major cities in Indonesia.
c. Selain kegiatan operasi khitanan, bank bjb juga c. In addition to the circumcisions, bank bjb also conducts
mengadakan kegiatan operasi celah bibir dan langit- cleft lip and palate surgeries as well as cataract surgery.
langit dan operasi katarak.

Kegiatan CSR bidang kesehatan merupakan bentuk realisasi CSR activities in the health sector is a form of realization
komitmen bank bjb untuk meningkatkan akses kesehatan of bank bjb’s commitment in improving access to health
bagi seluruh lapisan masyarakat. Selama ini, fasilitas dan for the whole society. During this time, health facilities
layanan kesehatan belum dilaksanakan secara maksimal and services have not been fully implemented by the poor.
oleh masyarakat kurang mampu. Beberapa kegiatan CSR Several activities of bank bjb in the health sector to improve
bank bjb di sektor kesehatan untuk meningkatkan akses health care access and services include:
kesehatan dan pelayanan antara lain: a. Procurement of ambulances to the Nurul Islam
a. Pengadaan mobil ambulans kepada Yayasan Nurul Islam Foundation and Bogor Regency PMI.
dan PMI Kabupaten Bogor. b. Procurement of blood drive car to PMI of Bandung,
b. Pengadaan mobil donor darah kepada PMI Kota c. Procurement of one water tank unit to PMI of Jakarta.
Bandung, d. Procurement of patients beds for Cibinong city
c. Pengadaan satu unit mobil tangki air kepada PMI hospital.
Jakarta. e. Donation of stereotactic equipments for the Indonesian
d. Pengadaan tempat tidur pasien untuk RSUD Cibinong. Cancer Foundation.
e. Bantuan alat stereotactic kepada Yayasan Kanker
Indonesia.
3. Dampak Keuangan/Biaya dari Pelaksanaan 3. Financial/Cost Impact of Implementation

Kegiatan Activities
Pelaksanaan kegiatan CSR sektor pendidikan tidak memiliki The implementation of CSR activities in the educational
dampak keuangan karena Dana CSR disisihkan 5% dari laba sector do not have any financial impact because CSR funds
bersih perusahaan. is set aside 5% of the company’s net profit.
Sektor Kesehatan
Health Sector
No Sub Sektor Total (Rp) Sub Sector
1 Pembangunan / rehabilitasi prasarana kesehatan 983.612.300 Construction / rehabilitation of health infrastructure
2 Pengadaan sarana kesehatan 1.467.088.750 Procurement of health facilities/infrastructures
3 Penguatan akses masyarakat terhadap layanan 4.779.593.163 Strengthening community access to health services
kesehatan
Total 7.230.294.213 Total
Kesehatan
Health
Pembangunan/rehabilitasi prasarana kesehatan

20,29%
Construction / rehabilitation of health infrastructure
Pengadaan sarana kesehatan
Procurement of health facilities/infrastructures
66,11% 66,11% Penguatan akses masyarakat terhadap layanan kesehatan

Procurement of health facilities/infrastructures
13,60%

D. Kepada Konsumen D. Consumer
Perseroan memiliki komitmen yang tinggi untuk memenuhi The Company has a strong commitment to fulfill its
tanggung jawab kepada konsumen dan nasabahnya. Bagi responsibilities to consumers and customers. For bank
bank bjb, nasabah merupakan rekan utama dalam setiap bjb, the customer is the main partner in every step of the
langkah pengembangan usaha yang dilakukan perseroan. development efforts of the company. Therefore, bank bjb
Oleh karena itu, bank bjb menempatkan kepuasan nasabah put customer satisfaction as a basic principle in each of its
sebagai prinsip dasar dalam setiap pelayanannya. services.
Introduction
Pengembangan budaya layanan pada tahun 2013 diarahkan The development of the services culture in 2013 is directed to
kepada terciptanya services culture. Hal itu dilakukan the creation of services culture. This was conducted through
melalui implementasi Pengembangan Budaya Layanan di the implementation of the Cultural Services Development
seluruh outlet bank bjb, implementasi standardisasi aspek across the bank bjb outlets, the implementation of physical
fisik (Premises) di seluruh outlet bank bjb dan evaluasi (Premises) physical aspect at all outlets of bank bjb and

implementasi pengembangan budaya layanan di seluruh implementation evaluation of the development of services
Performance
outlet bank bjb. Standar ukuran yang digunakan seperti culture throughout bank bjb outlets. Standard measurements
tercatat dalam kategori bank umum nasional penilaian Bank are used as recorded in the category of national banks of
Service Excellent Monitoring (BSEM) versi MRI (Marketing Bank Monitoring Service Excellent (BSEM) version of MRI
Research Indonesia). (Marketing Research Indonesia).
bank bjb juga telah membuat pedoman standar pelayanan, bank bjb has also created the services standard guidelines,
Good Corporate
Governance
road map, dan blue print sebagai acuan dalam membangun road map and blue print as a reference in building the
budaya layanan bank bjb. Road Map membangun budaya services culture of bank bjb. Road Map to build the services
layanan disusun berupa tahapan target yang harus dicapai culture prepared target stages to be achieved over three
selama tiga tahun. Hal ini dijadikan pedoman dalam years. This is used as a guidelines in the preparation of
penyusunan inisiatif strategis dan rencana kerja. strategic initiatives and action plans.
Corporate Social
Responsibility
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 bank target of becoming the top 10 commercial bank in
umum nasional di Indonesia dan 10 besar scoring index Indonesia and top 10 in the MRI version of services
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 bank the target of becoming the top 7 commercial bank
umum nasional di Indonesia dan 7 besar scoring index in Indonesia and top 7 in the MRI version of services
Consolidated
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 bank the target of becoming the top 5 commercial bank
umum nasional di Indonesia dan 5 besar scoring index in Indonesia and top 5 in the MRI version of services
layanan versi MRI. scoring index
Corporate Data
Kriteria ARA No. VI.20, VI.20.1 387

2012 2013 2014

“The Best Ten” “The Best Seven” “The Best Five”
In Service In Service In Service
1. Penyempurnaan Buku dan 1. Implementasi 1. Sustainability Program

Video Standar Layanan Pengembangan Budaya Pengembangan Budaya
2. Pembuatan System Aplikasi Layanan di seluruh outlet Layanan
Service Measurement bank bjb 2. Sustainability Service
3. Penyelesaian Buku 2. Implementasi standarisasi Culture
Panduan Standarisasi aspek fisik (premises) di 3. Perbaikan Business Process
Aspek Fisik (Aspek seluruh outlet bank bjb 4. Program Quick Win
Premises) 3. Evaluasi Implementasi Pencapaian 5 Besar MRI
4. Implementasi Pengembangan Budaya
Pengembangan Budaya Layanan diseluruh outlet
Layanan, termasuk aspek bank bjb
fisik pada 8 outlet pilot 4. Terciptanya service culture
5. Evaluasi Implementasi 5. Program Quick Win
pada 8 outlet pilot Pencapaian 7 Besar MRI
6. Program Quick Win
Pencapaian 10 Besar MRI

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 program appreciation activities to employees, namely the BBSEA
BBSEA (bank bjb Service Excellence). Kegiatan ini diadakan (bank bjb Service Excellence) program. This activity is held
rutin setiap tahun, sebagai wujud penghargaan kepada para regularly every year, as a form of tribute to the frontliner
frontliner (teller, customer service, satpam), dan supervisor. (tellers, customer service, security guards), and supervisors.
Seleksi program BBSEA dilakukan mulai dari tahap seleksi The selection for the BBSEA program is carried out starting
awal di kantor cabang masing-masing. Kemudian, seleksi from the initial selection in each branch office. Then,
tingkat wilayah yang meliputi aspek soft competency regional selection, covering aspects of soft competency
(kemampuan berkomunikasi/tes lisan dan kualitas data) (the ability to communicate/ oral test and data quality) and
dan hard competency (roleplay, tes tulis, performance), dan hard competency (roleplay, written tests, performance), and
seleksi tingkat nasional yang meliputi pemberian training the national selection which includes providing classical
classical, table manner, tes roleplay, dan persentase hasil training, table manner, roleplay test, and the percentage
benchmarking. Sedangkan pengumuman pemenang of benchmarking results. The winner announcement is
dilaksanakan pada acara awarding BBSEA. conducted at the BBSEA awarding ceremony.

Introduction
Performance
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 back office terbaik, cleaning service terbaik, cabang office, best cleaning services, best branch services in the
pelayanan terbaik kategori Pemda dan Non-Pemda, serta Government and Non Gevernment category, as well as best
KCP pelayanan terbaik. sub-branch office were also announced.
Good Corporate
Governance
Untuk mendukung kegiatan peningkatan pelayanan kepada To support the improvement of services to customers, the
nasabah, Divisi Jaringan dan Layanan melakukan evaluasi Network and Services Division perform evaluation services
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 customer of the service and obtain a descrition of the customer
Corporate Social
Responsibility
experience terhadap actual service delivery dari layanan experience to the actual service delivery of bank bjb
bank bjb. services
c. Self assessment. c. Self assessment.
d. Monitoring/pendampingan d. Monitoring/ mentoring
e. Customer satisfaction Index e. Customer satisfaction Index
Consolidated
3. Dampak Keuangan/Biaya dari pelaksanaan 3. Finance/Cost Impact of Implementation
kegiatan Activities
Pelaksanaan kegiatan tanggung jawab perusahaan kepada The implementation of CSR activities to the customer do not
para konsumen tidak memiliki dampak keuangan karena have any financial impact because the funds for this activity
dana untuk kegiatan ini telah dianggarkan pada tahun yang has been budgeted in the relevant year and in accordance
bersangkutan dan sesuai dengan Rencana Bisnis Bank. with the Bank’s Business Plan.
Corporate Data
389
Serikat Karyawan (Sekar) Employees Union (Sekar)

Dalam rangka menjamin dan menciptakan hubungan kerja yang In order to ensure and create a working relationship that is
harmonis, dinamis, berkeadilan dan kondusif antara Bank dan harmonious, dynamic, equitable and conducive between the Bank
Pegawai sehingga dapat mendorong peningkatan kinerja Bank, and Employees so as to encourage improvement on the Bank’s
kinerja pegawai dan kesejahteraan pegawai yang selaras dengan performance, employees’ performance and employees’ well-being in
pelaksanaan visi, misi dan nilai-nilai budaya Bank serta dapat line with the implementation of the vision, mission and values of the
menciptakan peningkatan produktivitas dan usaha Bank yang Bank’s culture and to create increased productivity and sustainable
berkesinambungan maka Bank memiliki Serikat Pekerja yang banking business, the Bank has a registered its Employee Union in
terdaftar pada Dinas Tenaga Kerja dan Transmigrasi Kota Bandung the Office of Manpower and Transmigration, the city of Bandung
dengan nomor bukti pencatatan No. 250/Sekar.BJ/2007-CTT.221- with registration No. 250/Sekar.BJ/2007-CTT.221-Disnaker/2007
Disnaker/2007 yang dikenal dengan Serikat Karyawan (Sekar) bank known as Employees Union (Sekar) of bank bjb.
bjb.
Perlindungan Nasabah Customers Protection
A. Keberadaan Pusat Pengaduan Konsumen A. Presence of Customer Complaint Center

Sistem Pengaduan Konsumen merupakan salah satu bentuk
The Consumer Complaint System is a means to improve customer
peningkatan perlindungan nasabah dalam rangka menjamin
protection in order to secure consumers’ rights when dealing
hak-hak nasabah dalam berhubungan dengan bank. Pengaduan
with the bank. Customer complaints need immediate and
nasabah harus diselesaikan dengan baik karena apabila tidak
appropriate resolutions as they have all potentials to generate
diselesaikan dengan baik oleh bank berpotensi menjadi
disputes between customers and the bank when not properly
perselisihan atau sengketa yang pada akhirnya akan dapat
responded. Currently, bank bjb has an integrated system of
merugikan nasabah dan atau bank. Saat ini bank bjb telah
consumer complaints through several channels such as:
memiliki sistem pengaduan konsumen yang terpadu melalui
- Verbal Complaints, which are verbally and directly delivered
beberapa saluran pengaduan seperti:
to the bank, including through the facility bjb call 14049
- Pengaduan secara lisan adalah Pengaduan yang diajukan
- Written complaints, usually expressed in a letter including
secara langsung termasuk melalui telepon termasuk melalui
through e-mail, facsimile or other electronic means, and
sarana bjb call 14049
other media that have facilities for clear identity of the
- Pengaduan secara tertulis adalah pengaduan yang diajukan
complainant, to avoid the handling written complaints that
melaui surat termasuk sarana/media seperti e-mail, faksimili
are submitted anonymously/ by irresponsible person.
atau sarana elektronik lainnya, serta media massa yang
dilengkapi dengan identitas pengadu yang jelas, untuk
menghindari penanganan pengaduan tertulis tanpa
identitas/surat kaleng.

B. U r a i a n M e n g e n a i T i n d a k L a n j u t Te r h a d a p B. Description of Complaint Handling Follow Up
Pengaduan
a. Pengaduan secara lisan a. Verbal complaints

Pengaduan secara lisan wajib diselesaikan paling lambat 2 (dua) A verbal complaints shall be resolved no later than 2 (two)
hari kerja secara kumulatif sejak tanggal penerimaan pengaduan, working days since the date of receipt, and when deemed
jika diperlukan perpanjangan waktu wajib diselesaikan paling necessary, a time extension of 20 working days to settle an
lama 20 (dua puluh) hari kerja sejak tanggal penerimaan unresolved complaint since the receipt of the complaint shall
pengaduan. be set.
Introduction
b. Pengaduan secara tertulis b. Written Complaints
Pengaduan secara tertulis wajib diselesaikan paling lama 20 A written complaint shall be settled no later than 20 (twenty)
(dua puluh) hari kerja sejak tanggal penerimaan pengaduan working days from the date of receipt with extension period
atau dapat diperpanjang jangka waktunya sampai dengan up to 20 (twenty) working days when the followings occur:
paling lama 20 (dua puluh) hari kerja berdasarkan pertimbangan 1. When a customer submits complaint to a different

sebagai berikut: branch from that where his/her dissatisfaction has taken
Performance
1. Kantor Cabang yang menerima pengaduan tidak sama place, and there has been communication problem
dengan Kantor Cabang tempat terjadinya permasalahan between the two branches;
yang diadukan dan terdapat kendala komunikasi diantara 2. When a customer or a customer’s reresentative submits
kedua Kantor Cabang tersebut; a complaint containing financial issues that need special
2. Transaksi keuangan yang diadukan oleh nasabah dan atau examination on certain bank documents;
perwakilan nasabah memerlukan penelitian khusus terhadap 3. When there are other matters beyond the bank’s control
Good Corporate
Governance
dokumen-dokumen bank; such as an involvement of third parties in the relevant
3. Terdapat hal-hal lain yang berada diluar kendali bank seperti customer’s financial transactions.
adanya keterlibatan pihak ketiga di luar bank dalam transaksi
keuangan yang dilakukan nasabah.
Corporate Social
Responsibility
Consolidated
Corporate Data
391
C. Penyelesaian Pengaduan Yang Diterima C. Complaint Settlement

Apabila ada perpanjangan waktu penyelesaian pengaduan In the event settlement of a complaint needs time extension,
nasabah wajib diberitahukan secara tertulis kepada nasabah the relevant customer or representative of the customer shall be
atau perwakilan nasabah yang mengajukan pengaduan. notified in writing. The written notification shall also explain the
Pemberitahuan secara tertulis mencantumkan alasan reasons behind such time extension. The branch office which
perpanjangan jangka waktu penyelesaian pengaduan. Kantor received the complaint from the customer or its representative is
Cabang yang menerima pengaduan nasabah berkewajiban obliged to submit the letter of time extension to the customer as
menyampaikan surat pemberitahuan perpanjangan waktu well as coordinating with the Network and Service Development
penyelesaian pengaduan kepada nasabah serta berkoordinasi Division, in which this matter will affect the quarterly reporting
dengan Divisi Jaringan dan Pengembangan Layanan karena hal of Commercial Bank to Bank Indonesiarelated to the customer’s
tersebut akan mempengaruhi pelaporan Bank Umum ke Bank complaint conducted quarterly by the Network and Service
Indonesia terkait pengaduan nasabah yang dilakukan oleh Divisi Development Division.
Jaringan dan Pengembangan Layanan setiap triwulan.
392
Laporan
Keuangan
Konsolidasian
Consolidated Financial Statements
The original consolidated financial statements included herein are in the
Indonesian language.
PT BANK PEMBANGUNAN DAERAH PT BANK PEMBANGUNAN DAERAH

JAWA BARAT DAN BANTEN Tbk JAWA BARAT DAN BANTEN Tbk
DAN ENTITAS ANAKNYA AND ITS SUBSIDIARIES
LAPORAN POSISI KEUANGAN CONSOLIDATED STATEMENT OF
KONSOLIDASIAN FINANCIAL POSITION
Tanggal 31 Desember 2013 As of December 31, 2013
(Disajikan dalam jutaan Rupiah, (Expressed in millions of Rupiah,
kecuali dinyatakan lain) unless otherwise stated)
31 Desember/ Catatan/ 31 Desember/

December 31, 2013 Notes December 31, 2012
ASET ASSETS
Kas 2.595.260 2a,2d,4 1.795.074 Cash
Giro pada Current accounts with Bank

Bank Indonesia 4.454.108 2a,2d,2e,5 4.666.015 Indonesia
Introduction
Giro pada bank lain 2a,2d,2e Current accounts with other banks
- pihak ketiga 176.979 2m,6 289.755 third parties -
Cadangan kerugian penurunan nilai (91) (69) Allowance for impairment losses
176.888 289.686
Performance
Penempatan pada Bank 2a,2d,2f, Placements with Bank
Indonesia dan bank lain 2m,7 Indonesia and other banks
- pihak ketiga 2.629.337 8.013.850 third parties -
Cadangan kerugian penurunan nilai (352) (2.111) Allowance for impairment losses
2.628.985 8.011.739
Good Corporate
Governance
Surat berharga 2d,2g, Marketable securities
- pihak ketiga 10.291.810 2m,9 4.142.992 third parties -
Efek-efek yang dibeli dengan janji Marketable securities purchased

dijual kembali - 2d,2h,2m,10 11.567.261 under agreements to resell
Wesel ekspor dan tagihan lainnya 2d,2i, Bills and other receivables
Corporate Social
Responsibility
- pihak ketiga 44.721 2m,11 67.400 third parties -
Kredit yang diberikan 2d,2k,2m,2ae Loans

- pihak-pihak berelasi 929.529 12,43 195.770 related parties -
45.308.580 35.374.390
Cadangan kerugian penurunan nilai (1.019.520) (605.667) Allowance for impairment losses
Consolidated
44.289.060 34.768.723
Pembiayaan syariah 2l,2m,2ae, Sharia financing

3.593.760 2.958.322
Corporate Data
Cadangan kerugian penurunan nilai (62.094) (77.844) Allowance for impairment losses
3.531.666 2.880.478
Tagihan akseptasi 33.235 2d,2m,2n,14 224.975 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
399

KONSOLIDASIAN (lanjutan) FINANCIAL POSITION (continued)

ASET (lanjutan) ASSETS (continued)
Penyertaan saham 2d,2m,2o,2ae Investment in shares

Cadangan kerugian penurunan nilai (7.569) (4.264) Allowance for impairment losses
24.415 27.720
Aset tetap - Fixed assets -

setelah dikurangi net of accumulated
akumulasi penyusutan depreciation of Rp655,626
sebesar Rp655.626 and Rp571,265, as of
dan Rp571.265 pada tanggal December 31, 2013 and 2012,
31 Desember 2013 dan 2012 699.069 2p,16 734.873 respectively
Aset pajak tangguhan - neto 5.819 2ab,26 3.635 Deferred tax assets - net
Bunga yang masih akan diterima 418.360 2d,17 350.560 Interest receivables
2d,2m,2q,
Aset lain-lain - neto 1.764.837 2r,2s,18 1.309.747 Other assets - net
TOTAL ASET 70.958.233 70.840.878 TOTAL ASSETS
2
400


LIABILITAS, DANA SYIRKAH LIABILITIES, TEMPORARY

TEMPORER DAN EKUITAS SYIRKAH FUND AND EQUITY
LIABILITAS LIABILITIES
Liabilitas segera 1.945.539 2d,2t,19 1.761.134 Obligations due immediately
Introduction
Simpanan nasabah 2d,2u,2ae Deposits from customers
- pihak-pihak berelasi 11.769.248 20,43 3.193.494 related parties -
46.874.161 47.632.863
Simpanan nasabah - Syariah 2u,2ae,20,43 Deposits from customers - Sharia

- pihak-pihak berelasi 260 102 related parties -
Performance
- pihak ketiga 346.280 294.548 third parties -
346.540 294.650
Simpanan dari bank lain 2d,2v,21,43 Deposits from other banks

- pihak-pihak berelasi 144.875 184.358 related parties -
Good Corporate
4.946.725 6.392.634
Governance
Liabilitas derivatif 90 2j,8 - Derivatives payable
Efek-efek yang dijual dengan 2d,2w,22 Marketable securities sold under

janji dibeli kembali 2.978.073 1.922.795 agreement to repurchase
Liabilitas akseptasi 33.235 2d,2m,2n,14 224.975 Acceptances payable
Corporate Social
Responsibility
Efek hutang yang diterbitkan - neto 2.396.611 1f,2d,2x,23 2.395.091 Debt securities issued - net
Pinjaman yang diterima 2d,2ae,24,43 Borrowings

Estimasi kerugian Estimated losses on

komitmen dan kontinjensi 1.498 2q,25 1.433 commitments and contingencies
Hutang pajak 101.676 2ab,26a 45.556 Taxes payable
Consolidated
Liabilitas pajak tangguhan 23.971 2ab,26c 32.650 Deferred tax liabilities
Bunga yang masih harus dibayar 124.776 2d,27 129.272 Interest payable
Liabilitas lain-lain 799.593 2d,2ac,28 700.401 Other liabilities
Total liabilitas 60.896.825 61.764.614 Total liabilities

Corporate Data
Dana syirkah temporer 2u,2ae,29,43 Temporary syirkah fund

Bukan bank Non-bank
- pihak-pihak berelasi 5.774 2.555 related parties -
2.775.906 2.680.412
Bank Bank
Total dana syirkah temporer 3.343.143 3.067.424 Total temporary syirkah fund
3
401


EKUITAS EQUITY
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 Class A - 9,600,000,000
Seri B - 6.400.000.000 Class B - 6,400,000,000
lembar saham biasa 2aj common shares
Modal ditempatkan dan disetor

penuh: Issued and fully paid capital:
Seri A - 7.272.218.666 Class A - 7,272,218,666
Seri B - 2.424.072.500 Class B - 2,424,072,500
lembar saham 2.424.073 30 2.424.073 shares
Tambahan modal disetor 823.423 2ah,31 823.423 Additional paid in capital
Saldo laba 2ak Retained earnings

- telah ditentukan penggunaannya 2.041.782 1.520.190 appropriated -
- belum ditentukan penggunaannya 1.394.943 1.207.467 unappropriated -
Total ekuitas yang dapat diatribusikan Total equity attributable to equity

kepada pemilik entitas induk 6.684.221 5.975.153 holders of the parent entity
Kepentingan non-pengendali 34.044 2b,44 33.687 Non-controlling interest
Total ekuitas 6.718.265 6.008.840 Total equity
TOTAL LIABILITAS DAN EKUITAS 70.958.233 70.840.878 TOTAL LIABILITIES AND EQUITY
4
402

LAPORAN LABA RUGI KOMPREHENSIF CONSOLIDATED STATEMENT OF
KONSOLIDASIAN COMPREHENSIVE INCOME
Untuk Tahun yang Berakhir pada Tanggal For The Year Ended
31 Desember 2013 December 31, 2013
(Disajikan dalam jutaan rupiah, (Expressed in millions of rupiah,
Tahun yang berakhir pada tanggal 31 Desember/

Years ended December 31
Catatan/
2013 Notes 2012
PENDAPATAN INTEREST AND SHARIA

BUNGA DAN SYARIAH INCOME
Pendapatan bunga dan syariah 8.096.294 2y,34 6.782.159 Interest and sharia income
Pendapatan provisi dan Sharia financing fees and
Introduction
komisi pembiayaan syariah 36.694 2z,34 13.527 commission income
8.132.988 6.795.686
BEBAN BUNGA DAN INTEREST EXPENSE AND
BAGI HASIL SYARIAH (3.350.845) 2y,35 (3.140.311) SHARIA PROFIT SHARING
PENDAPATAN BUNGA NET INTEREST
DAN SYARIAH NETO 4.782.143 3.655.375 AND SHARIA INCOME
Performance
PENDAPATAN OPERASIONAL 2z,2k,2c,
LAINNYA 2g,36 OTHER OPERATING INCOME
Provisi dan komisi selain dari Non-loan related fees and
pembiayaan yang diberikan 268.719 219.213 commissions
Penerimaan kembali kredit
yang telah dihapus buku 136.140 73.537 Recoveries from loans written-off
Keuntungan transaksi Gain from foreign exchange
Good Corporate
Governance
valuta asing - neto 32.636 14.627 transactions - net
Keuntungan dari penjualan
surat berharga yang Gain on sale of held-for-trading
diperdagangkan - neto 1.926 1.195 marketable securities - net
Lain-lain 17.837 21.790 Others
457.258 330.362
Corporate Social
Responsibility
BEBAN OPERASIONAL LAINNYA 2aa,2ac,2m, OTHER OPERATING EXPENSES
2g,2q, 37 General and administrative
Beban umum dan administrasi (1.256.991) (986.237) expenses
Beban tenaga kerja dan tunjangan (1.265.943) (967.340) Salaries and employee benefits
Penyisihan kerugian penurunan nilai Provision for impairment losses on
atas aset keuangan dan financial and non-financial
non keuangan - neto (616.067) (403.388) assets - net
Kerugian yang belum direalisasi Unrealized loss on changes in
Consolidated
dari perubahan nilai wajar fair value of marketable
surat berharga - neto (56.585) (716) securities - net
Penyisihan kerugian komitmen Provision for losses on
dan kontinjensi (65) (133) commitments and contingencies
Lain-lain (291.819) (208.682) Others
(3.487.470) (2.566.496)
LABA OPERASIONAL 1.751.931 1.419.241 OPERATING INCOME
Corporate Data
PENDAPATAN (BEBAN) NON-OPERATING INCOME

NON-OPERASIONAL (EXPENSES)
Pendapatan non-operasional 27.497 38 112.185 Non-operating income
Beban non-operasional (26.554) 38 (18.927) Non-operating expenses
943 93.258
5
403

LAPORAN LABA RUGI KOMPREHENSIF CONSOLIDATED STATEMENT OF
KONSOLIDASIAN (lanjutan) COMPREHENSIVE INCOME (continued)
Untuk Tahun yang Berakhir pada Tanggal For the Year Ended

Catatan/
2013 Notes 2012
LABA SEBELUM INCOME BEFORE

BEBAN PAJAK 1.752.874 1.512.499 TAX EXPENSE
BEBAN PAJAK - NETO (376.487) 2ab,26 (319.195) TAX EXPENSE - NET
LABA TAHUN BERJALAN 1.376.387 1.193.304 INCOME FOR THE YEAR
Pendapatan komprehensif lain - - Other comprehensive income

TOTAL LABA KOMPREHENSIF TOTAL COMPREHENSIVE INCOME
TAHUN BERJALAN 1.376.387 1.193.304 FOR THE YEAR
LABA TAHUN BERJALAN

YANG DAPAT DIATRIBUSIKAN INCOME FOR THE YEAR
KEPADA: ATTRIBUTABLE TO:
Pemilik entitas induk 1.372.913 1.192.684 Equity holders of the parent
Kepentingan non-pengendali 3.474 44 620 Non-controlling interest
TOTAL 1.376.387 1.193.304 TOTAL
TOTAL LABA KOMPREHENSIF TOTAL COMPREHENSIVE

YANG DAPAT DIATRIBUSIKAN INCOME FOR THE YEAR
KEPADA: ATTRIBUTABLE TO:
Pemilik entitas induk 1.372.913 1.192.684 Equity holders of the parent entity
Kepentingan non-pengendali 3.474 620 Non-controlling interest
TOTAL 1.376.387 1.193.304 TOTAL
LABA PER SAHAM DASAR BASIC EARNINGS PER SHARE

YANG DAPAT DIATRIBUSIKAN ATTRIBUTABLE TO EQUITY
KEPADA PEMILIK HOLDERS OF THE
ENTITAS INDUK PARENT ENTITY
(NILAI PENUH) 141,59 2ad,42 123,00 (FULL AMOUNT)
6
404
The original consolidated financial statements included herein are in the Indonesian language.
PT BANK PEMBANGUNAN DAERAH JAWA BARAT DAN BANTEN Tbk PT BANK PEMBANGUNAN DAERAH JAWA BARAT DAN BANTEN Tbk
LAPORAN PERUBAHAN EKUITAS KONSOLIDASIAN CONSOLIDATED STATEMENT OF CHANGES IN EQUITY
Untuk Tahun yang Berakhir Pada Tanggal For the Year Ended December 31, 2013
31 Desember 2013 (Expressed in millions of rupiah,
(Disajikan dalam jutaan rupiah, unless otherwise stated)
kecuali dinyatakan lain)
Equity
yang dapat
diatribusikan
kepada pemilik
Modal Tambahan entitas induk/
ditempatkan modal Saldo laba/Retained earnings Equity
dan disetor disetor/ attributable to Kepentingan
penuh/ Additional Telah ditentukan Belum ditentukan equity holders non-pengendali/
Catatan/ Issued and fully paid in penggunaannya/ penggunaannya/ of the parent Non-controlling Total ekuitas/
Notes paid capital capital Appropriated Unappropriated entity interest Total equity
Saldo 31 Desember 2011 2.424.073 823.423 1.164.886 962.260 5.374.642 12.457 5.387.099 Balance as of December 31, 2011
Perubahan kepentingan non-pengendali - - - - - 20.825 20.825 Change in non-controlling interest

Pembagian laba tahun 2011: Distribution of 2011 income:
Cadangan umum 33 - - 355.304 (355.304 ) - - - General reserve
Dividen kas 2af,33 - - - (592.173 ) (592.173) - (592.173) Cash dividends
Dividen entitas anak 2af,33 - - - - - (215) (215) Dividend of subsidiary
Total laba komprehensif tahun berjalan - - - 1.192.684 1.192.684 620 1.193.304 Total comprehensive income for the year
Saldo 31 Desember 2012 2.424.073 823.423 1.520.190 1.207.467 5.975.153 33.687 6.008.840 Balance as of December 31, 2012
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 2af,33 - - - (663.845) (663.845) - (663.845) Cash dividends
Dividen entitas anak 2af,33 - - - - - (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
Saldo 31 Desember 2013 2.424.073 823.423 2.041.782 1.394.943 6.684.221 34.044 6.718.265 Balance as of December 31, 2013
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.

405
7
Performance
Financial Statements Responsibility Governance & Analysis on Company
Corporate Data Consolidated Corporate Social Good Corporate Management Discussion Introduction

LAPORAN ARUS KAS KONSOLIDASIAN CONSOLIDATED STATEMENT OF CASH FLOWS
Untuk Tahun yang Berakhir pada Tanggal For the Year Ended
Catatan/
2013 Notes 2012
ARUS KAS DARI AKTIVITAS CASH FLOWS FROM

OPERASI OPERATING ACTIVITIES
Penerimaan bunga dan syariah, Interest and sharia income fees and
provisi dan komisi 8.150.042 6.585.099 commissions received
Pembayaran bunga (3.353.821) (3.138.213) Interest expenses paid
Pembayaran beban karyawan (1.204.931) (946.378) Employee expenses paid
Pembayaran beban umum dan General and administrative
administrasi (1.256.991) (917.760) expenses paid
Penerimaan dari pendapatan Receipts from other
operasional lainnya 458.310 331.062 operating income
Pembayaran beban lainnya (257.366) (299.571) Other expenses paid
Penerimaan kas sebelum Receipts from cash before
perubahan dalam aset changes in operating
dan liabilitas operasi 2.535.243 1.614.239 assets and liabilities
Penurunan (kenaikan) dalam Decrease (increase) in
aset operasi: operating assets:
Surat Berharga (176.670) 9 (522.283) Marketable securities
Wesel ekspor dan tagihan lainnya 22.679 11 (32.483) Bills and other receivables
Penempatan pada Bank Indonesia Placement with Bank Indonesia
dan bank lain 461.964 7 2.160.045 and other banks
Kredit yang diberikan dan Loans and
pembiayaan syariah (10.789.251) 12 (9.636.855) sharia financing
Tagihan akseptasi 191.740 14 (146.260) Acceptances receivable
Aset lain-lain (456.327) 18 (723.798) Other assets
Kenaikan (penurunan) Increase (decrease)
dalam liabilitas operasi: in operating liabilities:
Liabilitas segera 184.404 19 810.908 Obligations due immediately
Simpanan: Deposits:
Giro 1.906.616 20 3.660.588 Current accounts
Tabungan 3.160.294 2.779.505 Savings account
Deposito berjangka (5.678.228) 5.124.770 Time deposits
Simpanan dari bank lain (1.265.684) 21 1.480.958 Deposits from other banks
Liabilitas akseptasi (191.738) 14 146.258 Acceptances payable
Liabilitas lain-lain 26.418 28 79.965 Other liabilities
Hutang pajak 36.307 26 61.001 Taxes payable
Pembayaran pajak
penghasilan (367.536) (323.132) Income tax paid
Arus kas neto diperoleh dari Net cash provided by

(digunakan untuk) (used in) operating
aktivitas operasi (10.399.769) 6.533.426 activities
INVESTASI INVESTING ACTIVITIES
Penerimaan dividen kas 6.117 5.686 Cash dividends received
Penjualan (pembelian) surat
berharga yang dimiliki hingga Sale (purchase) of held to maturity
jatuh tempo - neto (6.065.951) 177.082 marketable securities - net
Pembelian aset tetap (52.991) 16 (248.845) Acquisitions of fixed assets
Efek-efek yang dibeli dengan janji Marketable securities purchased
dijual kembali 11.567.260 (4.172.567) under agreement to resell
Penambahan penyertaan saham - 3.230 Additional investments in shares
Hasil penjualan aset tetap 2.053 16 1.406 Proceeds from sale of fixed assets
Arus kas neto

digunakan untuk Net cash
aktivitas investasi 5.456.488 (4.234.008) used in investing activities
8
406

LAPORAN ARUS KAS KONSOLIDASIAN CONSOLIDATED STATEMENT OF CASH FLOWS
(lanjutan) (continued)
Untuk Tahun yang Berakhir Pada Tanggal for the Year Ended

Catatan/
2013 Notes 2012

PENDANAAN FINANCING ACTIVITIES
Penerimaan dari efek-efek Proceeds from marketable securities
yang dijual dengan sold under agreement
Introduction
janji dibeli kembali 1.055.277 1.922.795 to repurchase
Penerimaan dari
pinjaman yang diterima 93.177 57.161 Proceeds from borrowings
Penambahan modal entitas Additional paid-up capital
anak dari kepentingan of subsidiaries from
non pengendali 500 18.625 non-controlling interest
Pembayaran dividen kas (663.845) 33 (590.187) Cash dividends paid
Pelunasan efek hutang Repayment of debt securities
Performance
yang diterbitkan - (350.000) issued
Arus kas neto diperoleh dari Net cash provided by
aktivitas pendanaan 485.109 1.058.394 financing activities
KENAIKAN (PENURUNAN) NETO NET INCREASE (DECREASE) IN

KAS DAN SETARA KAS (4.458.172) 3.357.812 CASH AND CASH EQUIVALENTS
Good Corporate
KAS DAN SETARA KAS CASH AND CASH EQUIVALENTS
Governance
PADA AWAL TAHUN 14.285.744 10.932.625 AT BEGINNING OF YEAR
DAMPAK BERSIH PERUBAHAN NET EFFECTS OF CHANGES

NILAI TUKAR ATAS KAS DAN IN EXCHANGE RATE ON CASH
SETARA KAS 2.175 (4.693) AND CASH EQUIVALENTS
KAS DAN SETARA KAS CASH AND CASH EQUIVALENTS

PADA AKHIR TAHUN 9.829.747 14.285.744 AT END OF YEAR
Corporate Social
Responsibility
Kas dan setara kas pada akhir Cash and cash equivalents at
tahun terdiri dari: end of the year consisted of:
Kas 2.595.260 4 1.795.074 Cash
Current accounts with
Giro pada Bank Indonesia 4.454.108 5 4.666.015 Bank Indonesia
Giro pada bank lain 176.979 6 289.755 other banks
Consolidated
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 2.603.400 7 7.534.900 less since the acquisition date
Total kas dan setara kas 9.829.747 14.285.744 Total cash and cash equivalents
Corporate Data
9
407

CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED FINANCIAL
KONSOLIDASIAN STATEMENTS
Tanggal 31 Desember 2013 dan As of December 31, 2013 and
Untuk Tahun yang Berakhir pada Tanggal Tersebut For the Year Then ended
1. INFORMASI UMUM 1. GENERAL INFORMATION

a. Pendirian dan informasi umum Bank a. Establishment and general information
about the Bank
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
Imdonesia 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.
408 10

1. INFORMASI UMUM (lanjutan) 1. GENERAL INFORMATION (continued)
a. Pendirian dan informasi umum Bank a. Establishment and general information

(lanjutan) about the Bank (continued)
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
Introduction
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 sebutan menjadi “Bank Jabar Bank changed its name to “Bank Jabar
Banten”. Banten”.
Performance
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 Call Name 5, 2010 regarding the Amendment of Call
serta pemberlakuan Brand Identity Guidelines, name and Logo enforcement of Brand Identity
Good Corporate
Governance
maka pada tanggal 2 Agustus 2010 perubahan Guidelines on August 2, 2010, the change in
call name “Bank Jabar Banten” menjadi “bank call name of “Bank Jabar Banten to “bank bjb”
bjb” secara resmi diubah. was officially changed.
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
Corporate Social
Responsibility
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
Consolidated
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.
Corporate Data
b. Maksud dan tujuan b. Purpose and objectives
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;
11 409

b. Maksud dan tujuan (lanjutan) b. Purpose and objectives (continued)
- 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.
c. Jaringan kantor c. Office network
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. Pada tanggal 31 Desember 2013, Bank 40111. As of December 31, 2013, the Bank
mempunyai 62 kantor cabang has 62 branch offices (December 31, 2012: 56
(31 Desember 2012: 56 kantor cabang). branch offices).
Bank mengklasifikasikan kantor cabang The Bank classifies its branch offices into main
menjadi kantor cabang utama, kantor cabang branches, special branches, first-class
khusus, kantor cabang kelas I, kantor cabang branches, second-class branches and third-
kelas II dan kantor cabang kelas III. Masing- class branches. Each branch has a sub-branch
masing cabang mempunyai kantor cabang and/or cash office and/or payment point. As of
pembantu dan/atau kantor kas dan/atau December 31, 2013, the Bank has 304 sub-
payment point. Pada tanggal 31 Desember branches, 155 cash offices and 107 payment
2013, Bank memiliki 304 kantor cabang points (December 31, 2012: 228 sub-branches,
pembantu, 155 kantor kas dan 107 payment 140 cash offices and 101 payment points).
point (31 Desember 2012: 228 kantor cabang
pembantu, 140 kantor kas dan 101 payment
point).
410 12

d. Manajemen eksekutif d. Executive management
Pada tanggal 31 Desember 2013 dan 2012, As of December 31, 2013 and 2012, the
susunan Dewan Komisaris, Direksi, Komite members of the Bank’s Board of
Audit, Komite Pemantau Risiko serta Komite Commissioners, Board of Directors, Audit
Remunerasi dan Nominasi Bank adalah Committee, Risk Monitoring Committee and
sebagai berikut: Remuneration and Nomination Committee
Introduction
were as follows:

Komisaris Muhadi Commissioner
Komisaris Independen Achmad Baraba Independent Commissioner
Komisaris Independen Klemi Subiyantoro Independent Commissioner
Performance
Komisaris Independen Yayat Sutaryat Independent Commissioner
Komisaris Independen Rudhyanto Mooduto Independent Commissioner

Direktur Konsumer Arie Yulianto Director of Consumer
Good Corporate
Direktur Kepatuhan dan Zaenal Aripin Director of Compliance and
Governance
Manajemen Risiko Risk Management
Direktur Operasi*) Djamal Muslim *)Director Operations

Ketua Klemi Subiyantoro Chairman
Anggota Achmad Baraba Member
Anggota Rudhyanto Mooduto Member
Corporate Social
Responsibility
Anggota Ramson Sinaga Member
Anggota Memed Sueb Member
Anggota Suwarta Member

Ketua Achmad Baraba Chairman
Anggota Yayat Sutaryat Member
Consolidated
Anggota Nury Effendi Member
Anggota Poppy Sofia Koeswayo Member
Komite Remunerasi Remuneration and Nomination

Ketua Yayat Sutaryat Chairman
Corporate Data
Anggota Muhadi Member

Anggota Klemi Subiyantoro Member
Anggota Pemimpin Divisi SDM Member
*)Per tanggal 31 Desember 2013 masih dalam proses *)As of December 31, 2013, is still in the process
Fit and Proper Test di Bank Indonesia of Fit and Proper Test in Bank Indonesia
13 411

d. Manajemen eksekutif (lanjutan) d. Executive management (continued)
Pada tanggal 31 Desember 2013 dan 2012, As of December 31, 2013 and 2012, the
susunan Dewan Komisaris, Direksi, Komite members of the Bank’s Board of
Audit, Komite Pemantau Risiko serta Komite Commissioners, Board of Directors, Audit
Remunerasi dan Nominasi Bank adalah Committee, Risk Monitoring Committee and
sebagai berikut (lanjutan): Remuneration and Nomination Committee
were as follows (continued):

Komisaris Utama*) Agus Ruswendi President Commissioner*)
Komisaris Muhadi Commissioner
Komisaris Independen Yayat Sutaryat Independent Commissioner
Komisaris Independen Achmad Baraba Independent Commissioner
Komisaris Independen Klemi Subiyantoro Independent Commissioner
Komisaris Independen*) Rudhyanto Mooduto Independent Commissioner*)

Direktur Trisuri dan Internasional Entis Kushendar Director of Treasury and International
Direktur Komersial Acu Kusnandar Director of Commercial
Direktur Konsumer Arie Yulianto Director of Consumer
Direktur Kepatuhan dan Director of Compliance and
Manajemen Risiko Zaenal Aripin Risk Management
Direktur Operasi*) Djamal Muslim Director Operations*)

Ketua Klemi Subiyantoro Chairman
Anggota Achmad Baraba Member
Anggota Ramson Sinaga Member
Anggota Memed Sueb Member
Anggota Suwarta Member

Ketua Achmad Baraba Chairman
Anggota Muhadi Member
Anggota Yayat Sutaryat Member
Anggota Nury Effendi Member
Komite Remunerasi Remuneration and Nomination

Ketua Yayat Sutaryat Chairman
Anggota Agus Ruswendi Member
Anggota Klemi Subiyantoro Member
Anggota Neneng Hayati Member
*)Per tanggal 31 Desember 2012 masih dalam proses Fit and Proper *)As of December 31, 2012, is still in the process of Fit and Proper
Test di Bank Indonesia Test in Bank Indonesia
Pembentukan Komite Audit Bank telah sesuai The establishment of the Bank’s Audit
dengan Peraturan Badan Pengawas Pasar Committee is in compliance with the Capital
Modal dan Lembaga Keuangan (Bapepam-LK) Market and Financial Institutions Supervisory
No. IX.I.5 tanggal 24 September 2004. Agency (Bapepam-LK) Regulation No. IX.I.5
dated September 24, 2004.
412 14


d. Manajemen eksekutif (lanjutan) d. Executive management (continued)
Pada tanggal 31 Desember 2013 dan 2012, As of December 31, 2013 and 2012, the Bank
Bank memiliki karyawan masing-masing has 6,395 and 4,881 employees, respectively
sebanyak 6.395 dan 4.881 orang (tidak (unaudited).
diaudit).
Introduction
e. Penawaran umum saham e. Public offering of shares
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
Performance
saham Seri B dengan harga nominal Rp250 (full amount) per share. The excess of the
(nilai penuh) per lembar saham. Selisih lebih share offer price over the par value per share
antara harga penawaran per saham dengan was recognized as “Additional Paid in Capital”,
nilai nominal per saham dicatat sebagai which is presented under the Equity section of
“Tambahan Modal Disetor”, yang disajikan the consolidated statements of financial
pada bagian Ekuitas pada laporan posisi position. Based on a letter from Bapepam-LK
keuangan konsolidasian. Berdasarkan surat No. S-5901/BL/2010 dated June 29, 2010, the
Good Corporate
dari Bapepam-LK No. S-5901/BL/2010 tanggal registration of the Bank’s shares in the capital
Governance
29 Juni 2010, pendaftaran saham Bank di market was declared effective.
pasar modal 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 atau the Indonesia Stock Exchange were
Corporate Social
25% dari jumlah saham Bank. Saham yang 2,424,072,500 shares or 25% of the total
Responsibility
tercatat merupakan saham Seri B dengan Bank’s shares. Listed shares are Class B
harga nominal Rp250 (nilai penuh) per lembar shares with a nominal value of Rp250 (full
saham. Harga pada saat penawaran adalah amount) per share. Offering price of the shares
Rp600 (nilai penuh) per lembar saham, is Rp600 (full amount) per share, therefore the
sehingga Bank memperoleh Rp1.454.443 dari Bank obtained Rp1,454,443 from the total
seluruh saham yang dijual ke masyarakat. shares sold to the public.
Consolidated
f. Penawaran umum obligasi f. Public offering of bonds
Bank melakukan beberapa penawaran umum The Bank conducted several public offerings
obligasi sebagai berikut: of bonds as follows:
1) Obligasi I Bank Jabar 1) Bank Jabar Bonds I

Corporate Data
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 mengambang Rp25,000 and floating interest rate of
sebesar 24,30% per tahun. Obligasi ini 24.30% per annum. The bonds had a five
memiliki jangka waktu lima tahun dan years term and matured on July 8, 1996.
telah jatuh tempo pada tanggal 8 Juli The bonds were offered at its nominal
1996. Obligasi ini ditawarkan sebesar nilai value, listed on the Surabaya Stock
nominal, dicatat di Bursa Efek Surabaya Exchange (currently the Indonesia Stock
(sekarang Bursa Efek Indonesia) pada Exchange) on July 15, 1991 and became
tanggal 15 Juli 1991 dan dinyatakan effective based on the Bapepam-LK
efektif berdasarkan surat keputusan decision letter dated June 11, 1991.
Bapepam-LK pada tanggal 11 Juni 1991.
15 413

f. Penawaran umum obligasi (lanjutan) f. Public offering of bonds (continued)
2) Obligasi II Bank Jabar 2) Bank Jabar Bonds II
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 of
mengambang sebesar 17,25% per tahun. 17.25% per annum. The bonds had a five
Obligasi ini memiliki jangka waktu lima years term and matured on July 2, 1998.
tahun dan jatuh tempo pada tanggal 2 Juli The bonds were offered at their nominal
1998. Obligasi ini ditawarkan sebesar nilai value, listed on the Surabaya Stock
nominal, dicatat di Bursa Efek Surabaya Exchange (currently the Indonesia Stock
(sekarang Bursa Efek Indonesia) pada Exchange) on July 15, 1993 and became
tanggal 15 Juli 1993 dan dinyatakan effective based on Bapepam-LK decision
efektif berdasarkan surat keputusan letter dated June 11, 1993.
Bapepam-LK pada tanggal 11 Juni 1993.
3) Obligasi III Bank Jabar 3) Bank Jabar Bonds III
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 mengambang untuk and floating interest rate for the rest of the
pembayaran bunga selanjutnya. Obligasi interest payment. The bonds had a five
ini memiliki jangka waktu lima tahun dan years term and matured on April 18,
jatuh tempo pada tanggal 18 April 2005. 2005. The bonds were offered at their
Obligasi ini ditawarkan sebesar nilai nominal value, listed on the Surabaya
nominal, dicatat di Bursa Efek Surabaya Stock Exchange (currently the Indonesia
(sekarang Bursa Efek Indonesia) pada Stock Exchange) on April 25, 2000 and
tanggal 25 April 2000 dan dinyatakan became effective based on Bapepam-LK
efektif berdasarkan surat keputusan decision letter dated March 27, 2000.
Bapepam-LK pada tanggal 27 Maret
2000.
4) Obligasi IV Bank Jabar 4) Bank Jabar Bonds IV
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;
414 16

4) Obligasi IV Bank Jabar (lanjutan) 4) Bank Jabar Bonds IV (continued)
• 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
Introduction
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.
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
Performance
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.
5) Obligasi V Bank Jabar 5) Bank Jabar Bonds V
Obligasi V Bank Jabar diterbitkan pada Bank Jabar Bonds V were issued on
Good Corporate
tanggal 8 Desember 2006 dengan nilai December 8, 2006 with a nominal value
Governance
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. The bonds were
tempo pada tanggal 8 Desember 2011. offered at their nominal value, listed on
Obligasi ditawarkan sebesar nilai nominal, the Surabaya Stock Exchange (currently
Corporate Social
dicatat di Bursa Efek Surabaya (sekarang the Indonesia Stock Exchange) on
Responsibility
Bursa Efek Indonesia) pada tanggal December 11, 2006 and became effective
11 Desember 2006 dan dinyatakan based on Bapepam-LK decision letter
efektif berdasarkan surat keputusan dated November 27, 2006.
Bapepam-LK pada tanggal 27 November
2006.
6) Obligasi VI Bank Jabar 6) Bank Jabar Bonds VI
Obligasi VI Bank Jabar diterbitkan pada Bank Jabar Bonds VI were issued on Consolidated
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
Corporate Data
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.
17 415


6) Obligasi VI Bank Jabar (lanjutan) 6) Bank Jabar Bonds VI (continued)
• 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. The bonds were
akan jatuh tempo pada tanggal offered at their nominal value, listed
10 Juli 2014. Obligasi ditawarkan on the Surabaya Stock Exchange
sebesar nilai nominal, dicatat di Bursa (currently the Indonesia Stock
Efek Surabaya (sekarang Bursa Efek Exchange) on July 13, 2009 and
Indonesia) pada tanggal 13 Juli 2009 became effective based on
dan dinyatakan efektif berdasarkan Bapepam-LK decision letter dated
surat keputusan Bapepam-LK pada June 30, 2009 (Note 23).
tanggal 30 Juni 2009 (Catatan 23).
7) Obligasi VII bank bjb 7) Bank bjb Bonds VII
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.
akan jatuh tempo pada tanggal
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.
akan jatuh tempo pada tanggal
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).
416 18

g. Pendirian dan informasi umum entitas anak g. Establishment and general information
about the subsidiaries
i) PT Bank Jabar Banten Syariah i) PT Bank Jabar Banten Syariah
Pendirian PT Bank Jabar Banten Syariah The establishment of PT Bank Jabar
Introduction
(“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
Performance
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
Good Corporate
Governance
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
Corporate Social
Responsibility
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
Consolidated
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
Corporate Data
beroperasi sejak tanggal tersebut. Pada date. As of December 31, 2013 and 2012,
tanggal 31 Desember 2013 dan 2012, the Bank has 97.70% and 97.70% of
Bank mempunyai kepemilikan langsung direct ownership in BJBS, respectively.
masing-masing sebesar 97,70% dan
97,70% pada BJBS.
19 417


(lanjutan) about the subsidiaries (continued)
i) PT Bank Jabar Banten Syariah i) PT Bank Jabar Banten Syariah
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 2013, BJBS memiliki 8 31, 2013, BJBS has 8 branch offices, 50
kantor cabang, 50 kantor cabang sub-branches, 2 cash offices, and 3 gerai
pembantu, 2 kantor kas, dan 3 gerai syariah with 764 employees (December
syariah dengan jumlah karyawan 31, 2012: 8 branch offices, 36 sub-
sebanyak 764 orang (31 Desember 2012: branches, 1 cash offices, 1 payment point
8 kantor cabang, 36 kantor cabang with 570 employees) (unaudited). BJBS
pembantu, 1 kantor kas, 1 payment point has a total assets of Rp4,695,088 and
dengan jumlah karyawan sebanyak 570 Rp4,275,098 as of December 31, 2013
orang) (tidak audit). BJBS memiliki total and 2012, respectively, and total revenue
aset sebesar Rp4.695.088 dan of Rp508.023 and Rp354,912 for the
Rp4.275.098 masing-masing pada tanggal years ended December 31, 2013 and
31 Desember 2013 dan 2012, dan total 2012, respectively.
pendapatan sebesar Rp508.023 dan
Rp354.912 masing-masing untuk tahun
yang berakhir pada tanggal-tanggal
31 Desember 2013 dan 2012.
ii) PD BPR LPK Garut Kota ii) PD BPR LPK Garut Kota
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.
418 20


(lanjutan) about the subsidiary (continued)
ii) PD BPR LPK Garut Kota (lanjutan) ii) PD BPR LPK Garut Kota (continued)
Sebagai dasar penggabungan usaha As a basis for the merger of seven

(merger) 7 (tujuh) Perusahaan Daerah Regional Company Rural Bank which are
Introduction
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
Performance
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.
Good Corporate
Rakyat dan Perusahaan Daerah
Governance
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
Corporate Social
Responsibility
kepemilikan langsung sebesar 46,50% ownership of 46,50% and 47.8% as of
dan 47,8% masing-masing pada tahun December 31, 2013 and 2012,
2013 dan 2012. 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
Java Province.
Provinsi Jawa Barat.
Consolidated
Jumlah Pegawai tetap PD BPR LPK Garut PD BPR LPK Garut Kota has 108 and 95
Kota hasil penggabungan usaha (merger) permanent employees (unaudited), as a
7 (tujuh) BPR LPK di Kabupaten Garut per result of merger of 7 (seven) BPR LPK
31 Desember 2013 dan 2012 masing- Garut Regency, as of December 31, 2013
masing 108 dan 95 orang pegawai (tidak and 2012, respectively.
audit).
Corporate Data
PD BPR LPK Garut Kota memiliki total PD BPR LPK Garut Kota has a total
aset sebesar Rp103.334 dan Rp76.011 assets of Rp103,334 and Rp76,011, as of
masing-masing pada tanggal December 31, 2013 and 2012,
31 Desember 2013 dan 2012, dan total respectively, and total revenue of
pendapatan sebesar Rp18.542 dan Rp18,542 and Rp15,201 for the years
Rp15.201 masing-masing untuk tahun ended December 31, 2013 and 2012,
yang berakhir pada tanggal 31 Desember respectively.
2013 dan 2012.
21 419


(lanjutan) about the subsidiary (continued)
iii) PD BPR LPK Jalancagak iii) PD BPR LPK Jalancagak
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 No. Indonesia Letter No.31/18/UBPR/AdR/Bd
31/18/UBPR/AdR/Bd tanggal 14 April dated April 14, 1998.
1998.
Dengan Izin Prinsip berdasarkan With the license in Principle based on the
Keputusan Deputi Gubernur Bank Decision by Deputy Governor of Bank
Indonesia No. 13/5/KEP.DpG/2011 Indonesia No. 13/5/KEP.DpG/2011 dated
tanggal 12 Agustus 2011 tentang August 12, 2011 on the Granting Permit
Pemberian Izin Penggabungan Usaha Merger (Merger) for PD BPR LPK
(Merger) PD BPR LPK Cisalak, PD BPR Cisalak, PD BPR LPK Pagaden, PD BPR
LPK Pagaden, PD BPR LPK Purwadadi LPK Purwadadi dan PD BPR LPK
dan PD BPR LPK Pamanukan ke dalam Pamanukan into PD BPR LPK
PD BPR LPK Jalancagak. 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 tahun 2013 dan 2012. 2013 and 2012.
Kantor pusat PD BPR LPK Jalancagak PD BPR LPK Jalancagak head office
berkedudukan di Jalan Raya Jalancagak located at Jalan Raya Jalancagak No.
No. 151. 151.
Jumlah karyawan tetap PD BPR LPK The PD BPR LPK Jalancagak has 128
Jalancagak tanggal 31 Desember 2013 and 118 permanent employees
dan 2012 masing-masing 128 dan 118 (unaudited), as of December 31, 2013
orang pegawai (tidak audit). and 2012, respectively.
PD BPR LPK Jalancagak memiliki total PD BPR LPK Jalancagak has a total
aset sebesar Rp151.154 dan Rp117.100 assets of Rp151,154 and Rp117,100, as
masing-masing pada tanggal of December 31, 2013 and 2012,
31 Desember 2013 dan 2012, dan total respectively, and total revenue of
pendapatan sebesar Rp32.255 dan Rp32,255 and Rp24,290 for the years
Rp24.290 masing-masing untuk tahun ended December 31, 2013 and 2012,
yang berakhir pada tanggal-tanggal respectively.
420 22

2. IKHTISAR KEBIJAKAN AKUNTANSI YANG 2. SUMMARY OF SIGNIFICANT ACCOUNTING

SIGNIFIKAN POLICIES
a. Dasar penyusunan laporan keuangan a. Basis of preparation of the consolidated
konsolidasian financial statements
Pernyataan Kepatuhan Statement of Compliance
Laporan keuangan konsolidasian pada tanggal The consolidated financial statements as of
Introduction
dan untuk tahun yang berakhir pada and for the years ended December 31, 2013
31 Desember 2013 dan 2012 disusun sesuai and 2012 were prepared in accordance with
dengan Standar Akuntansi Keuangan (SAK) di Indonesian Financial Accounting Standards
Indonesia yang dikeluarkan oleh Ikatan (FAS) issued by the Indonesian Institute of
Akuntan Indonesia. Accountants.
Laporan keuangan konsolidasian disajikan The consolidated financial statements have

dengan menggunakan praktek yang lazim also been prepared using the prevailing
Performance
berlaku dalam industri perbankan serta banking industry practices and accounting and
pedoman akuntansi dan pelaporan yang reporting guidelines prescribed by the
ditetapkan oleh otoritas perbankan Indonesia Indonesian Banking Regulatory Authority and
dan Badan Pengawas Pasar Modal dan the Indonesian Capital Market and Financial
Lembaga Keuangan (BAPEPAM - LK) Institutions Supervisory Agency (BAPEPAM -
Peraturan No. VIII.G.7 tentang “Penyajian dan LK), consisting mainly of BAPEPAM - LK Rule
Pengungkapan Laporan Keuangan Emiten No. VIII.G.7 regarding “Financial Statements
Good Corporate
Governance
atau Perusahaan Publik” yang terlampir dalam Presentation and Disclosure for Issuers or
lampiran keputusan Ketua BAPEPAM - LK Public Companies” included in the Appendix of
No. KEP-347/BL/2012 tanggal 25 Juni 2012, the Decision of the Chairman of BAPEPAM -
serta Surat Edaran BAPEPAM - LK LK No. KEP-347/BL/2012 dated
No. SE-17/BL/2012 tanggal 21 Desember 2012 June 25, 2012, and Circular Letter of
tentang “Penggunaan Checklist Pengungkapan BAPEPAM-LK No. SE-17/BL/2012 dated
Laporan Keuangan Untuk Semua Jenis December 21, 2012 regarding the “Use of
Corporate Social
Industri di Pasar Modal di Indonesia”. Financial Statements Disclosure Checklist For
Responsibility
All Types of Industries in the Capital Market of
Indonesia”.
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 No. Statements Presentation”, SFAS No. 102,
104, “Akuntansi Istishna”, PSAK No. 105, “Accounting for Murabahah”, SFAS No. 104,
“Akuntansi Mudharabah”, PSAK No. 106, “Accounting for Istishna”, SFAS No. 105, Consolidated
“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,
Corporate Data
topik tersebut dan Pedoman Akuntansi presentation and disclosure for the above-
Perbankan Syariah Indonesia (“PAPSI”) yang mentioned topics and the Accounting
diterbitkan atas kerjasama IAI dengan Bank Guidelines for Indonesian Syariah Banks
Indonesia. (“PAPSI”) issued by Bank Indonesia in
cooperation with IAI.
Laporan keuangan telah disajikan berdasarkan The financial statements have been prepared
nilai historis, kecuali disebutkan lain dan on a historical cost basis, unless otherwise
disusun dengan dasar akrual (kecuali laporan stated, and under the accrual basis of
arus kas konsolidasian, pendapatan dari accounting (except for consolidated statements
istishna dan bagi hasil dari pembiayaan of cash flows, revenue from istishna and profit
mudharabah dan musyarakah). sharing for mudharabah and musyarakah
financing).
23 421


SIGNIFIKAN (lanjutan) POLICIES (continued)
a. Dasar penyusunan laporan keuangan a. Basis of preparation of the consolidated

konsolidasian (lanjutan) financial statements (continued)
Pernyataan Kepatuhan (lanjutan) Statement of Compliance (continued)
Laporan arus kas konsolidasian disusun The consolidated statements of cash flows
menggunakan metode langsung dan arus kas have been prepared using the direct method
dikelompokkan atas dasar aktivitas operasi, and the cash flows have been classified on the
investasi dan pendanaan. Kas dan setara kas basis of operating, investing and financing
terdiri dari kas, giro pada Bank Indonesia dan activities. Cash and cash equivalents consists
giro pada bank lain, penempatan pada Bank of cash, current accounts with Bank Indonesia
Indonesia dan bank lain dan Sertifikat Bank and current accounts with other banks,
Indonesia, yang jatuh tempo dalam waktu 3 placements with Bank Indonesia and other
(tiga) bulan sejak tanggal perolehan, banks and Certificates of Bank Indonesia
sepanjang tidak digunakan sebagai jaminan maturing within 3 (three) months or less from
atas pinjaman yang diterima serta tidak the acquisition date provided they are not used
dibatasi penggunaannya. as 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 the
Rupiah, yang merupakan mata uang Indonesian Rupiah, which is the Bank’s
fungsional. Angka-angka yang disajikan dalam functional currency. Unless otherwise stated, all
laporan keuangan, kecuali bila dinyatakan figures presented in the consolidated financial
secara khusus, adalah dibulatkan dalam jutaan statement are rounded off to millions of Rupiah.
Rupiah.
Kebijakan akuntansi diterapkan secara The accounting policies are applied

konsisten dibandingkan dengan tahun consistently compared to prior year.
sebelumnya.
b. Prinsip konsolidasi b. Principles of consolidation
Laporan keuangan konsolidasian disusun The consolidated financial statements have

mengikuti PSAK No. 4 (Revisi 2009) tentang been prepared according to SFAS No. 4
Laporan Konsolidasian dan Laporan (Revised 2009) regarding Consolidated and
Keuangan Tersendiri meliputi laporan Separate Financial Statements consisting of
keuangan Bank beserta entitas anak yang the financial statements of the Bank and
berada di bawah pengendalian Bank, kecuali subsidiaries that are controlled by the Bank,
entitas anak yang sifat pengendaliannya excluding those subsidiaries, if any, in which
adalah sementara atau jika ada pembatasan control is assumed to be temporary, or those
jangka panjang yang mempengaruhi 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.
422 24


b. Prinsip konsolidasi (lanjutan) b. Principles of consolidation (continued)
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
Introduction
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.
Performance
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.
Good Corporate
Governance
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
Corporate Social
Responsibility
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
Consolidated
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.
Corporate Data
c. Penjabaran mata uang asing c. Foreign currency transactions and

translations
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 statements
konsolidasian, aset dan liabilitas moneter of 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.
25 423


c. Penjabaran mata uang asing (lanjutan) c. Foreign currency translation (continued)
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 pada usaha monetary assets and liabilities denominated
tahun berjalan. in foreign currencies are recognized in the
current year operations.
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
rupiah pada tanggal 31 Desember 2013 December 31, 2013 and 2012 using the
dan 2012 yang menggunakan kurs tengah middle rates based on Reuters (at 16.00 hours
berdasarkan Reuters (pukul 16.00 Waktu Western Indonesian Time) (in full amount).
Indonesia Barat) (dalam Rupiah penuh).
2013 2012
Dolar Amerika Serikat 12.170 9.638 United States Dollar

Dolar Australia 10.856 10.007 Australian Dollar
Dolar Singapura 9.622 7.879 Singapore Dollar
Poundsterling Inggris 20.110 15.515 British Poundsterling
Yen Jepang 116 112 Japanese Yen
Dolar Hong Kong 1.570 1.243 Hong Kong Dollar
Euro Eropa 16.760 12.732 European Euro
Riyal Saudi Arabia 3.244 2.614 Saudi Arabian Riyal
Yuan China 2.009 1.549 Chinese Yuan
d. Aset keuangan dan liabilitas keuangan d. Financial assets and liabilities

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 akseptasi, efek utang yang securities sold under agreement to
diterbitkan, pinjaman yang diterima, bunga repurchase, acceptances payable, debt
yang masih harus dibayar, dan liabilitas lain- securities issued, borrowings, interest
lain. payable, and other liabilities.
Bank menerapkan PSAK No. 50 (Revisi 2010), The Bank adopted SFAS No. 50 (Revised
”Instrumen Keuangan: Penyajian”, dan 2010), “Financial Instruments: Presentation”,
PSAK No. 55 (Revisi 2011), ”Instrumen and SFAS No. 55 (Revised 2011), “Financial
Keuangan: Pengakuan dan Pengukuran”, Instruments: Recognition and Measurement”,
serta PSAK No. 60, ”Instrumen Keuangan: and SFAS No. 60, “Financial Instruments:
Pengungkapan”. Disclosure”,
424 26


d. Aset keuangan dan liabilitas keuangan d. Financial assets and liabilities (continued)
(lanjutan)
(i) Klasifikasi (i) Classification
Introduction
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
Performance
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
Good Corporate
• Aset keuangan yang diklasifikasikan • Available-for-sale financial assets.
Governance
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:
Corporate Social
• Liabilitas keuangan yang diukur pada • Financial liabilities at fair value
Responsibility
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;
Consolidated
• Liabilitas keuangan lainnya yang • Other financial liabilities measured at
dicatat berdasarkan biaya perolehan amortized cost.
diamortisasi.
Kategori untuk diperdagangkan adalah Held-for-trading are those financial assets

aset dan liabilitas keuangan yang and liabilities that the Bank acquires or
diperoleh atau dimiliki Bank terutama incurs principally for the purpose of
untuk tujuan dijual atau dibeli kembali selling or repurchasing in the near term,
Corporate Data
dalam waktu dekat, atau dimiliki sebagai or holds as part of a portfolio that is
bagian dari portofolio instrumen managed together for short-term profit or
keuangan tertentu yang dikelola bersama position taking.
untuk memperoleh laba jangka pendek
atau position taking.
27 425


(lanjutan)
(i) Klasifikasi (lanjutan) (i) Classification (continued)
Kategori tersedia untuk dijual terdiri dari The available-for-sale category consists
aset keuangan non-derivatif yang of non-derivative financial assets that are
ditetapkan sebagai tersedia untuk dijual designated as available-for-sale or are
atau yang tidak dikelompokkan ke dalam not classified in one of the other
salah satu kategori aset keuangan categories of financial assets. As of
lainnya. Pada tanggal 31 Desember 2013 December 31, 2013 and 2012, the Bank
dan 2012, Bank dan entitas anak tidak and its subsidiaries do not have available-
memiliki aset keuangan tersedia untuk for-sale financial assets.
dijual.
Di dalam kategori dimiliki hingga jatuh Held-to-maturity category consists of

tempo adalah aset keuangan non- quoted non-derivative financial assets
derivatif dengan pembayaran tetap atau with fixed or determinable payments and
telah ditentukan dan jatuh temponya telah fixed maturity which the Bank has the
ditetapkan dimana Bank mempunyai positive intent and ability to hold until
intensi positif dan kemampuan untuk maturity. Investments intended to be held
memiliki aset keuangan tersebut hingga for an undetermined period are not
jatuh tempo. Investasi yang dimiliki untuk included in this classification.
periode yang tidak dapat ditentukan tidak
dikategorikan dalam klasifikasi ini.
Pinjaman yang diberikan dan piutang Loans and receivables are non-derivative
adalah aset keuangan non-derivatif financial assets with fixed or determinable
dengan pembayaran tetap atau telah payments that are not quoted in an active
ditentukan yang tidak mempunyai kuotasi market, other than:
di pasar 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,
diklasifikasikan dalam kelompok which are classified as held-for-
diperdagangkan, serta yang pada trading, and those that the Bank upon
saat pengakuan awal ditetapkan initial recognition designates as at fair
sebagai diukur pada nilai wajar value through profit or loss;
melalui laporan laba rugi;
• yang pada saat pengakuan awal • those that the Bank upon initial
ditetapkan dalam kelompok investasi recognition designates as available-
tersedia untuk dijual; atau for-sale investments; or
• dalam hal Bank mungkin tidak akan • those for which the Bank may not
memperoleh kembali seluruh investasi recover substantially all of its initial
awal secara substansial kecuali yang investment, other than because of
disebabkan oleh penurunan kualitas loans and receivables deterioration,
pinjaman yang diberikan dan piutang, which shall be classified as available-
yang diklasifikasikan dalam kelompok for-sale.
tersedia untuk dijual.
426 28


(lanjutan)
(i) Klasifikasi (lanjutan) (i) Classification (continued)
Introduction
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
Performance
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.
Good Corporate
Governance
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
Corporate Social
Responsibility
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.
(iii) Pengukuran setelah pengakuan awal (iii) Subsequent measurement
Consolidated
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.
Corporate Data
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 are measured at
yang diukur pada biaya perolehan amortized cost using the effective
diamortisasi dengan menggunakan interest method.
metode suku bunga efektif.
29 427


(lanjutan)
(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.
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.
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 expired.
dilepaskan atau dibatalkan atau
kadaluwarsa.
428 30


(lanjutan)
(iv) Penghentian pengakuan (lanjutan) (iv) Derecognition (continued)
Introduction
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
Performance
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.
Good Corporate
Governance
Kredit atau aset produktif lainnya Loans or other earning assets are
dihapusbukukan ketika tidak terdapat written-off when there is no realistic
prospek yang realistis mengenai prospect of collection in the near
pengembalian kredit dalam waktu future or the Bank’s normal
dekat atau hubungan normal antara relationship with the borrowers has
Bank dan debitur telah berakhir. ceased to exist. When a loan is
Kredit yang tidak dapat dilunasi deemed uncollectible, it is written off
Corporate Social
Responsibility
dihapusbukukan dengan mendebit against the related allowance for
cadangan kerugian penurunan nilai. impairment losses. Subsequent
Penerimaan kemudian atas kredit recoveries from loans previously
yang telah dihapusbukukan written off, if in the current period are
sebelumnya, jika pada periode credited to the allowance for
berjalan dikreditkan ke dalam akun impairment losses on loans in the
cadangan kerugian penurunan nilai statements of financial position, but if
atas kredit yang diberikan di laporan after statement of financial position
Consolidated
posisi keuangan, sedangkan jika date, are credited to other operating
setelah tanggal laporan posisi income.
keuangan dikreditkan sebagai
pendapatan operasional lainnya.
(v) Pengakuan pendapatan dan beban (v) Income and expense recognition
Corporate Data
a. Aset keuangan tersedia untuk dijual a. For available-for-sale financial assets

yang diklasifikasikan sebagai classified as debt instrument and
instrumen liabilitas serta aset financial assets and liabilities
keuangan dan liabilitas keuangan measured at amortized cost, interest
yang diukur berdasarkan biaya income and expense is recognized in
perolehan diamortisasi, pendapatan the consolidated statements of
dan beban bunga diakui pada laporan comprehensive income using the
laba rugi komprehensif konsolidasian effective interest rate method.
dengan menggunakan suku bunga
efektif.
31 429


(lanjutan)
(v) Pengakuan pendapatan dan beban (v) Income and expense recognition
b. Keuntungan dan kerugian yang timbul b. Gains and losses arising from
dari perubahan nilai wajar aset changes in the fair value of the
keuangan dan liabilitas keuangan financial assets and liabilities
yang diukur pada nilai wajar melalui measured at fair value through profit
laporan laba rugi diakui pada laporan or loss are included in the profit or
laba rugi. loss.
Keuntungan dan kerugian yang timbul Gains and losses arising from
dari perubahan nilai wajar aset changes in the fair value of available-
keuangan yang diklasifikasikan dalam for-sale financial assets other than
kelompok tersedia untuk dijual kecuali foreign exchange gains and losses
keuntungan atau kerugian akibat from monetary items are recognised
perubahan nilai tukar diakui secara directly in equity, until the financial
langsung dalam ekuitas, sampai aset asset is derecognized or 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 statements of
pada laporan laba rugi komprehensif comprehensive income.
konsolidasian.
(vi) Reklasifikasi aset keuangan (vi) Reclassification of financial assets
Suatu aset keuangan diklasifikasikan A financial asset is reclassified out of the

keluar dari kategori nilai wajar melalui laba fair value through profit or loss category
rugi ketika kondisi berikut ini terpenuhi: when the following conditions are met:
• aset keuangan tidak lagi dimiliki untuk • the financial asset is no longer held for
tujuan dijual atau dibeli kembali dalam the purpose of selling or repurchasing
jangka waktu dekat; dan it in the near term; and
• terdapat suatu keadaan yang tidak • there is a rare circumstance.
terduga.
Suatu aset keuangan yang direklasifikasi A financial asset that is reclassified out of
keluar dari kategori nilai wajar melalui the fair value through profit or loss
laporan laba rugi diukur pada nilai wajar category is measured at its fair value on
pada tanggal reklasifikasi. Setiap the date of reclassification. Any gain or
keuntungan atau kerugian yang sudah loss already recognized in the statements
diakui dalam laporan laba rugi tidak dapat of income cannot be reversed. The fair
dibalik. Nilai wajar aset keuangan pada value of the financial asset on the date of
tanggal reklasifikasi akan menjadi biaya the reclassification becomes its new
diamortisasi yang baru, sebagaimana amortized cost, as applicable.
berlaku.
Bank tidak mereklasifikasi instrumen The Bank has not reclassified its financial
keuangannya ke dalam atau ke luar dari instrument into or out of fair value through
kategori nilai wajar melalui laporan laba profit or loss category.
rugi.
430 32


(lanjutan)
(vi) Reklasifikasi aset keuangan (lanjutan) (vi) Reclassification of financial assets

(continued)
Introduction
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
Performance
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:
Good Corporate
Governance
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;
Corporate Social
Responsibility
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 Consolidated
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.
Corporate Data
33 431


(lanjutan)
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
kerugian yang belum direalisasi diakui recognized in other comprehensive
sebagai laba komprehensif lainnya dan income and reported in the equity until
dilaporkan dalam komponen ekuitas the financial assets are derecognized.
sampai aset keuangan tersebut
dihentikan pengakuannya.
(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 statements 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. 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.
(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.
432 34


(lanjutan)
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
Introduction
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
Performance
aktual dan teratur terjadi yang dilakukan basis.
secara wajar.
Jika pasar untuk instrumen keuangan If a market for a financial instrument is not
tidak aktif, Bank dan entitas anak active, the Bank and subsidiaries
menetapkan nilai wajar dengan determine the fair value using a valuation
menggunakan teknik penilaian. Teknik technique. Valuation techniques include
Good Corporate
penilaian meliputi penggunaan transaksi using the recent arm’s length transactions
Governance
pasar terkini yang dilakukan secara wajar between knowledgeable, willing parties (if
oleh pihak-pihak yang mengerti, available), reference to the current fair
berkeinginan (jika tersedia), referensi value of other instruments that are
atas nilai wajar terkini dari instrumen lain substantially the same and discounted
yang secara substansial serupa dan cash flow analysis.
analisis arus kas yang didiskonto.
Corporate Social
Responsibility
e. Giro pada Bank Indonesia dan bank lain e. Current accounts with Bank Indonesia and
other banks
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
Consolidated
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.
f. Penempatan pada Bank Indonesia dan bank f. Placements with Bank Indonesia and other
lain banks
Corporate Data
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.
35 433


g. Surat berharga g. Marketable securities
Surat berharga yang dimiliki terdiri dari Marketable securities consist of Certificates of
Sertifikat Bank Indonesia, Sertifikat Bank Bank Indonesia, Sharia Certificates of Bank
Indonesia Syariah, 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 kecuali untuk efek-efek fair value except for sharia securities which
syariah yang masih menggunakan perlakuan are measured using the previous accounting
akuntansi sebelumnya. Setelah pengakuan treatment. Subsequently, marketable
awal, surat berharga dicatat sesuai securities are accounted for depending on
kategorinya, yaitu tersedia untuk dijual, dimiliki their classification as available-for-sale, held-
hingga jatuh tempo atau nilai wajar melalui to-maturity or fair value through profit or loss.
laba rugi.
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.
Penurunan yang signifikan atau jangka Any significant or prolonged decline in the
panjang atas nilai wajar surat-surat fair value of equity securities classified
berharga ekuitas yang diklasifikasikan available-for-sale is charged to profit and
sebagai tersedia untuk dijual dibebankan loss in the current year.
pada operasi tahun berjalan.
434 36


g. Surat berharga (lanjutan) g. Marketable securities (continued)
2. Surat-surat berharga dalam kategori nilai 2. Fair value through profit or loss
wajar melalui laba rugi. marketable securities.
Introduction
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 statements
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 statements
berharga dicatat dalam laporan laba rugi of comprehensive income according to
komprehensif konsolidasian sesuai the terms of the contract.
Performance
dengan persyaratan dalam kontrak.
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
Good Corporate
Governance
pada tahun dimana surat-surat berharga securities are sold.
tersebut dijual.
Bank dan entitas anak mengukur bila terdapat The Bank and subsidiaries assess if there is
indikasi penurunan nilai dengan menggunakan an indication of impairment using the
metodologi penurunan nilai sebagaimana impairment methodology as disclosed in Note
diungkapkan dalam Catatan 2m. 2m.
Corporate Social
Responsibility
Untuk surat-surat berharga yang For marketable securities that are actively
diperdagangkan secara aktif di pasar traded in organized financial markets, fair
keuangan yang terorganisasi, nilai wajar value is generally determined by reference to
tersebut umumnya ditentukan dengan quoted market bid prices by the stock
mengacu pada harga penawaran pasar yang exchanges at the date close to the statement
terjadi di bursa efek pada tanggal yang of financial position date, adjusted for
terdekat dengan tanggal laporan posisi transaction costs necessary to realize the
keuangan, kemudian disesuaikan dengan assets. For marketable securities where there
Consolidated
biaya-biaya yang akan dikeluarkan untuk is no quoted market price, a reasonable
memperoleh aset tersebut. Untuk surat-surat estimate of the fair value is determined by
berharga yang tidak mempunyai harga reference to the current market value of
penawaran pasar, estimasi atas nilai wajar another instrument which is substantially the
surat-surat berharga ditetapkan dengan same or is calculated based on the expected
mengacu pada nilai wajar instrumen lain yang cash flows of the underlying net asset base of
substansinya sama atau dihitung berdasarkan securities. The Bank and subsidiaries used
arus kas yang diharapkan terhadap aset bersih quoted market bid prices by the stock
Corporate Data
surat-surat berharga tersebut. Bank dan exchange at the date close to the statement of
entitas anak menggunakan harga penawaran financial position as their fair value.
pasar yang terjadi di bursa efek pada tanggal
yang terdekat dengan tanggal laporan posisi
keuangan sebagai nilai wajar.
Surat berharga yang dipindahkan dari For securities reclassified from the held-for-
kelompok diperdagangkan ke kelompok dimiliki trading category to held-to-maturity category,
hingga jatuh tempo, keuntungan atau kerugian unrealized gains or losses on the date of the
yang belum direalisasi pada tanggal reclassification have been recorded as income
reklasifikasi telah tercatat sebagai penghasilan or expense and therefore shall not be
atau beban dan oleh karena itu tidak boleh reversed.
dihapus.
37 435


g. Surat berharga (lanjutan) g. Marketable securities (continued)
Pemindahan surat berharga dari kelompok The reclassification of marketable securities

nilai wajar melalui laba rugi ke kelompok from fair value through profit or loss category
dimiliki hingga jatuh tempo dicatat berdasarkan to held-to-maturity category is recorded at fair
nilai wajar pada tanggal pemindahan, yang value at the reclassification date, which
menjadi biaya amortisasi baru. becomes the new amortised cost.
Sejak tanggal 1 Januari 2012, surat berharga Since January 1, 2012, sharia marketable
syariah, kecuali reksadana, diklasifikasikan securities, except for mutual fund, are
berdasarkan model usaha yang ditentukan classified based on business model,
oleh BJBS pada saat pembelian surat determined by the BJBS at the date of
berharga tersebut didasarkan atas klasifikasi purchase in accordance with SFAS No. 110
yang sesuai dengan PSAK No. 110 tentang on "Accounting for Sukuk” as follows:
“Akuntansi Sukuk” sebagai berikut:
1) Surat berharga syariah yang diukur pada 1) Sharia marketable securities are stated at
nilai perolehan disajikan sebesar biaya cost (including transaction costs),
perolehan (termasuk biaya transaksi) adjusted by unamortized premium and/or
yang disesuaikan dengan premi dan/atau discount. Premium and discount are
diskonto yang belum diamortisasi. Premi amortized over the term using straight-line
dan diskonto diamortisasi selama jangka method until maturity.
waktu periode hingga jatuh tempo
dengan menggunakan metode garis
lurus.
2) Surat berharga syariah diukur pada nilai 2) Sharia marketable securities are stated at
wajar, yang dinyatakan sebesar nilai fair values. Unrealized gains or losses
wajar. Keuntungan atau kerugian yang from the changes in fair values are
belum direalisasi akibat perubahan nilai presented in the current year consolidated
wajarnya disajikan dalam laporan laba statements of comprehensive income.
rugi komprehensif konsolidasian tahun
berjalan.
h. Efek-efek yang dibeli dengan janji dijual h. Marketable securities purchased under
kembali (Reverse Repo) agreements to resell (Reverse Repo)
Efek-efek yang dibeli dengan janji dijual Securities purchased under agreements to
kembali di masa tertentu di masa yang akan resell at a specified future date are not
datang tidak diakui pada laporan posisi recognized in the consolidated statements of
keuangan konsolidasian. Kas yang dibayarkan, financial position. The consideration paid,
termasuk bunga yang belum diamortisasi including unamortized interest, is recorded in
dicatat pada laporan keuangan konsolidasian the consolidated statements of financial
dalam “Efek-efek yang dibeli dengan janji dijual position, within “Marketable securities
kembali”, yang menggambarkan substansi purchased under agreements to resell”,
ekonomi transaksi sebagai pinjaman yang reflecting the economic substance of the
diberikan oleh Bank. Selisih antara harga beli transaction as a loan by the Bank. The
dan harga jual kembali diamortisasi selama difference between the purchase and resale
jangka waktu perjanjian menggunakan metode prices is amortized over the life of the
suku bunga efektif dan dicatat pada agreement using the effective interest rate
“Pendapatan bunga neto”. method and recorded in ‘Net interest income’.
436 38


h. Efek-efek yang dibeli dengan janji dijual h. Marketable securities purchased under
kembali (Reverse Repo) (lanjutan) agreements to resell (Reverse Repo)
(continued)
Jika kemudian efek-efek yang dibeli dengan If securities purchased under agreements to
janji dijual kembali dijual kepada pihak ketiga, resell are subsequently sold to third parties,
Introduction
maka kewajiban untuk mengembalikan surat the obligation to return the securities is
berharga tersebut dicatat sebagai short sale recorded as a short sale in ‘Financial liabilities
dalam “Liabilitas keuangan yang dimiliki untuk held-for-trading’ and measured at fair value
diperdagangkan”, dan diukur pada nilai wajar with any gains or losses included in ‘Net
dengan keuntungan atau kerugian yang ada trading income’.
dimasukkan dalam “Pendapatan trading
bersih”.
Performance
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.
i. Wesel ekspor dan tagihan lainnya i. Bills and other receivables

Wesel ekspor dan tagihan lainnya terdiri atas Bills and other receivables consist of
Good Corporate
Governance
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.
Corporate Social
Responsibility
Wesel ekspor dan tagihan lainnya Bills and other receivables are classified as
diklasifikasikan sebagai kredit yang diberikan loans and receivables.
dan piutang.
j. Instrumen keuangan derivatif j. Derivative financial instruments
Dalam melakukan usaha bisnisnya, Bank In the normal course of business, the Bank
melakukan transaksi instrumen keuangan enters into transactions involving derivative
derivatif seperti kontrak berjangka dan kontrak financial instruments such as foreign currency
swap mata uang asing. Instrumen keuangan forward and swap contracts. Derivative Consolidated
derivatif dinilai dan dicatat di laporan posisi instruments are valued and recorded on the
keuangan konsolidasian pada nilai wajar consolidated statements of financial position at
dengan menggunakan harga pasar. fair value using market rates.
Transaksi derivatif diakui sesuai dengan PSAK Derivative transactions are recognized in
No. 55 (Revisi 2011), “Instrumen Keuangan: accordance with SFAS No. 55 (Revised 2011),
Corporate Data
Pengakuan dan Pengukuran”. “Financial Instruments: Recognition and

Measurement”.
39 437


j. Instrumen keuangan derivatif (lanjutan) j. Derivative financial instruments
(continued)
Derivatif dicatat pada nilai wajar dan diakui Derivatives are recorded at fair value and
sebagai aset ketika memiliki nilai wajar yang carried as assets when their fair value is
positif dan sebagai liabilitas ketika memiliki positive and as liabilities when their fair value is
nilai wajar yang negatif. Perubahan pada nilai negative. Changes in the fair value of
wajar derivatif dimasukkan dalam “Pendapatan derivatives are included in “Net trading
trading bersih”. Derivatif yang melekat pada income”. Derivatives embedded in other
instrumen keuangan lain diperlakukan sebagai financial instruments are treated as separate
derivatif yang terpisah dan dicatat pada nilai derivatives and recorded at fair value if their
wajar jika karakteristik ekonomi dan risiko economic characteristics and risks are not
derivatif melekat tersebut tidak berkaitan erat closely related to those of the host contract,
dengan yang ada pada kontrak utamanya, dan and the host contract itself is not held-for-
kontrak utama tidak dimiliki untuk trading or designated at fair value through
diperdagangkan atau ditujukan sebagai nilai profit or loss. The embedded derivatives
wajar melalui laba rugi. Derivatif melekat yang separated from the host are carried at fair
dipisahkan dari kontrak utamanya diakui pada value in the trading portfolio with changes in
nilai wajar dalam portofolio diperdagangkan fair value recognized in the consolidated
dan perubahan pada nilai wajar diakui pada statements of comprehensive income.
laporan laba rugi komprehensif konsolidasian.
PSAK No. 55 (Revisi 2011) mensyaratkan SFAS No. 55 (Revised 2011) requires that all
bahwa semua instrumen derivatif diakui dalam derivative instruments are recognized in the
laporan keuangan konsolidasian pada nilai consolidated financial statements at fair value.
wajarnya. Untuk memenuhi persyaratan To qualify for hedge accounting, SFAS No. 55
akuntansi lindung nilai, PSAK No. 55 (Revisi (Revised 2011) requires certain criteria to be
2011) mensyaratkan beberapa kriteria tertentu met, including formal documentation at the
yang harus dipenuhi, termasuk adanya inception of the hedge.
dokumentasi formal pada awal lindung nilai.
Perubahan nilai wajar instrumen derivatif yang Changes in fair value of derivative instruments
tidak memenuhi kriteria lindung nilai dicatat that do not meet the criteria for hedge
dalam laporan laba rugi komprehensif accounting are recorded in the consolidated
konsolidasian tahun berjalan. Jika instrumen statements of comprehensive income for the
derivatif dirancang dan memenuhi syarat year. If derivative instruments are designated
akuntansi lindung nilai, perubahan nilai wajar and qualify for hedge accounting, changes in
yang berkaitan dengan lindung nilai diakui fair value of hedging are recognized as
sebagai penyesuaian terhadap item yang adjustments to the item being hedged and
dilindung nilai dan diakui dalam laporan laba recognized in the consolidated statements of
rugi komprehensif konsolidasian tahun comprehensive income for the current year or
berjalan atau disajikan dalam ekuitas, in the equity, depending on the type and the
tergantung pada jenis transaksi dan efektivitas effectiveness of hedge transaction.
dari lindung nilai tersebut.
k. Kredit yang diberikan k. Loans
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, and subsequently measured at their
memperoleh aset keuangan tersebut, dan amortized cost using the effective interest rate
setelah pengakuan awal diukur pada biaya method, net of allowance for impairment
perolehan diamortisasi menggunakan metode losses.
suku bunga efektif dikurangi dengan cadangan
kerugian penurunan nilai.
438 40


k. Kredit yang diberikan (lanjutan) k. Loans (continued)
Kredit yang diberikan diklasifikasikan sebagai Loans are classified as loans and receivables.
kredit yang diberikan dan piutang.
Restrukturisasi kredit meliputi adanya Loan restructuring may involve extending the
Introduction
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.
Performance
Manajemen secara berkelanjutan mereviu Management continuously reviews
kredit yang dinegosiasi ulang untuk renegotiated loans to ensure that all criteria
meyakinkan terpenuhinya seluruh kriteria dan are met and the future payments are likely to
pembayaran di masa depan. Kredit terus occur. The loans continue to be subject to an
menjadi subjek penilaian penurunan nilai individual or collective impairment
individual atau kolektif, dihitung dengan assessment, calculated using the loan original
Good Corporate
menggunakan suku bunga efektif awal. effective interest rate.
Governance
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
Corporate Social
dihapusbukukan dengan mendebit cadangan related allowance for impairment losses. The
Responsibility
kerugian penurunan nilai. Penerimaan kembali recoveries of written-off loans in the current
atas kredit yang telah dihapusbukukan pada year are credited by adjusting the allowance
tahun berjalan dikreditkan dengan for impairment losses account. Recoveries of
menyesuaikan akun cadangan kerugian written-off loans from previous years are
penurunan nilai. Penerimaan kembali atas recorded as other operating income. Recovery
kredit yang diberikan yang telah of Sharia Financing/Receivables previously
dihapusbukukan pada tahun-tahun written off is recorded as an addition to the
Consolidated
sebelumnya dicatat sebagai pendapatan allowance for impairment losses in the current
operasional lainnya. Penerimaan pembayaran year.
pembiayaan/piutang syariah yang telah
dihapusbukukan dicatat sebagai penambahan
cadangan kerugian selama tahun berjalan.
l. Pembiayaan syariah l. Sharia financing
Corporate Data
Pembiayaan syariah terdiri dari piutang Sharia financing consists of murabahah

murabahah, pembiayaan mudharabah, receivables, mudharabah financing,
pembiayaan musyarakah, ijarah, istishna dan musyarakah financing, ijarah, istishna and
qardh. qardh.
Pembiayaan mudharabah dan musyarakah Mudharabah and musyarakah financing are
disajikan dalam laporan posisi keuangan stated in the consolidated statements of
konsolidasian sebesar nilai wajar dan jika nilai financial position at fair value and if the fair
wajar lebih besar daripada nilai buku, maka value is higher than the book value, the
selisih tersebut diakui sebagai keuntungan margin is recorded as deferred income and
yang ditangguhkan dan diamortisasi amortized using straight-line method over the
menggunakan metode garis lurus selama period of financing or recorded as a loss in the
masa akad atau diakui sebagai kerugian pada same period if the fair value is less than the
saat terjadinya apabila nilai wajar lebih kecil book value.
daripada nilai tercatat.
41 439


l. Pembiayaan syariah (lanjutan) l. Sharia financing (continued)
Piutang murabahah disajikan dalam laporan Murabahah receivables are stated in the
posisi keuangan konsolidasian sebesar nilai consolidated statements of financial position
bersih yang dapat direalisasi, yaitu saldo at net realizable value, which is the receivable
piutang dikurangi pendapatan murabahah balance less deferred murabahah income and
ditangguhkan dan cadangan kerugian allowance for impairment losses.
penurunan nilai piutang.
Pendapatan ijarah disajikan secara neto Ijarah income is presented net of related
setelah dikurangi beban yang terkait, misalnya expenses such as depreciation, maintenance
beban penyusutan, beban pemeliharaan dan and repairs, and so forth.
perbaikan, dan sebagainya.
Piutang istishna disajikan dalam laporan posisi Istishna receivables are presented in the
keuangan konsolidasian sebesar tagihan consolidated statements of financial position
istishna kepada pembeli dikurangi cadangan at the istishna billing to the buyer less an
kerugian. allowance for 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.
m. Identifikasi dan pengukuran penurunan m. Identification and measurement of
nilai atas aset keuangan impairment for financial assets
Pada setiap tanggal laporan posisi keuangan At each consolidated statements 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.
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;
440 42


nilai atas aset keuangan (lanjutan) impairment for financial assets (continued)
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;
Introduction
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
Performance
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:
Good Corporate
Governance
- 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.
Corporate Social
Responsibility
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.
Consolidated
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
Corporate Data
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.
43 441



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) Pinjaman dengan kolektibilitas for: (a) Loans with collectibility classification as
kurang lancar, diragukan dan macet; atau (b) substandard, doubtful, and loss; or (b)
Pinjaman 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;
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) Pinjaman 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) Pinjaman dengan Retail and consumer loans.
segmen pasar usaha kecil dan konsumen.
442 44



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
Introduction
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
Performance
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;
Good Corporate
2. Pengambilalihan agunan kemungkinan 2. Foreclosure of collateral is most likely to
Governance
besar terjadi dan didukung dengan occur and supported by legally binding
perjanjian legal pengikatan agunan. collateral agreement.
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
Corporate Social
Responsibility
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
Consolidated
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
Corporate Data
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. Impairment losses are
terlepas apakah pengambilalihan tersebut recognized under profit or loss in the
berpeluang terjadi atau tidak. Kerugian consolidated statements of comprehensive
penurunan nilai yang terjadi diakui dalam laba income and reflected in the allowance for
rugi pada laporan laba rugi komprehensif impairment losses account as a deduction
konsolidasian dan dicatat pada akun cadangan from financial assets carried at amortized cost.
kerugian penurunan nilai sebagai pengurang
terhadap aset keuangan yang dicatat pada
biaya perolehan diamortisasi.
45 443


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. Ketika impairment loss. When subsequent event
peristiwa yang terjadi setelah tanggal laporan causes the amount of impairment loss to
posisi keuangan konsolidasian menyebabkan decrease, the impairment loss is reversed
jumlah kerugian penurunan nilai berkurang, through profit or loss in the consolidated
kerugian penurunan nilai yang sebelumnya statements of comprehensive income.
diakui harus dipulihkan dan pemulihan
tersebut diakui dalam laba rugi pada laporan
laba rugi komprehensif konsolidasian.
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 statements 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 statements 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 statements 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 statements 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.
444 46



Jika pada suatu periode sebelumnya, 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
Introduction
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
Performance
komprehensif konsolidasian pada tahun year consolidated statements of
berjalan. comprehensive income.
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
Good Corporate
Penerimaan kembali atas kredit yang diberikan years are recorded as other operating income.
Governance
yang telah dihapusbukukan pada tahun-tahun
sebelumnya dicatat sebagai pendapatan
operasional lainnya.
Untuk aset keuangan entitas anak yang For the financial assets of the subsidiary that
bergerak dalam bidang perbankan syariah, is engage in sharia banking, Bank applies PBI
Bank menerapkan PBI No.8/21/PBI/2006 No .8/21/PBI/2006 dated October 5, 2006, as
Corporate Social
Responsibility
tanggal 5 Oktober 2006 sebagaimana telah amended by PBI No. 9/9/PBI/2007 dated
diubah dengan PBI No 9/9/PBI/2007 tanggal June 18, 2007 and PBI No. 10/24/PBI/2008
18 Juni 2007 dan PBI No. 10/24/PBI/2008 dated October 16, 2008 and
tanggal 16 Oktober 2008 serta PBI No. 13/13/PBI/2011 dated March 24, 2011 for
No. 13/13/PBI/2011 tanggal 24 Maret 2011 determination of impairment losses.
dalam menentukan kerugian penurunan nilai.
Penyisihan minimum yang harus dibentuk The minimum allowance to be established in
Consolidated
sesuai dengan Peraturan Bank Indonesia accordance with Bank Indonesia Regulation is
tersebut adalah sebagai berikut: as follows:
Persentase cadangan kerugian
penurunan nilai/
Percentage of allowance for
Klasifikasi impairment losses Classification
Corporate Data
Lancar*) Minimum 1% Current*)

Dalam perhatian khusus Minimum 5% Special mention
Kurang lancar Minimum 15% Substandard
Diragukan Minimum 50% Doubtful
Macet 100% Loss
*) di luar Sertifikat Bank Indonesia (SBI), penempatan pada *) excluding Certificates of Bank Indonesia (SBI) placements
Bank Indonesia, Obligasi Pemerintah dan instrumen with Bank Indonesia, Government Bonds and other debt
hutang lainnya yang diterbitkan oleh pemerintah Republik instruments issued by the Government of Republic of
Indonesia dan aset produktif yang dijamin dengan agunan Indonesia and earning assets secured by cash collateral.
tunai.
Persentase cadangan kerugian penurunan nilai The above percentages are applied to the
aset diatas diterapkan kepada aset keuangan Bank’s financial assets subject to collective
Bank yang dilakukan penurunan nilai secara impairment after deducting collateral value, in
kolektif setelah dikurangi nilai agunan sesuai accordance with the regulation of Bank
dengan peraturan Bank Indonesia yang terkait. Indonesia.
47 445


Bank dan entitas anak dalam melakukan In computing the allowance for impairment
perhitungan cadangan kerugian penurunan losses, the Bank and subsidiaries do not
nilai tidak memperhitungkan seluruh agunan consider all the existing collateral because,
yang ada antara lain karena jangka waktu among other reasons, the appraisal date of
penilaian agunan yang dilakukan telah such assets had already exceeded the period
melampaui jangka waktu seperti yang telah prescribe by the relevant Bank Indonesia
ditentukan oleh peraturan Bank Indonesia regulation.
yang terkait.
n. Tagihan dan liabilitas akseptasi n. Acceptances receivable and payable
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.
o. Penyertaan saham o. Investments in shares
Penyertaan saham merupakan penanaman Investments in shares represent investments
dana dalam bentuk saham pada perusahaan in non-publicly listed companies engaged in
non-publik yang bergerak di bidang jasa the financial services industry held for long-
keuangan yang tidak melalui pasar modal term 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% Investments in shares in associates are
sampai dengan 50% hak suara. Penyertaan accounted for under the equity method and
saham pada perusahaan asosiasi dicatat are initially recognized at cost and adjusted for
dengan metode ekuitas dan pada awalnya the Bank’s share in net profit or loss of the
dicatat sebesar harga perolehan dan associated companies less dividends received
disesuaikan dengan bagian Bank atas laba after the 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.
446 48


p. Aset tetap p. Fixed assets
Bank dan entitas anak menerapkan PSAK The Bank and subsidiaries adopted SFAS
No. 16 (Revisi 2011), “Aset Tetap” dan ISAK No. 16 (Revised 2011), “Fixed Assets” and
No.25, “Hak atas Tanah”. ISAK No. 25, “Land Rights”.
ISAK No. 25 menetapkan bahwa biaya ISAK No.25 prescribes that the legal cost of
Introduction
pengurusan legal hak atas tanah dalam bentuk land rights in the form of Business Usage
Hak Guna Usaha (“HGU”), Hak Guna Rights (“Hak Guna Usaha” or “HGU”), Building
Bangunan (“HGB”) dan Hak Pakai (“HP”) Usage Right (“Hak Guna Bangunan” or “HGB”)
ketika tanah diperoleh pertama kali diakui dan Usage Rights (“Hak Pakai” or “HP”) when
sebagai bagian dari biaya perolehan tanah the land was acquired initially are recognized
pada akun “Aset Tetap” dan tidak diamortisasi. as part of the cost of the land under the “Fixed

Sementara biaya pengurusan atas Assets” account and not amortized. Meanwhile
Performance
perpanjangan atau pembaruan legal hak atas the extention or the legal renewal costs of land
tanah dalam bentuk HGU, HGB dan HP diakui rights in the form of HGU, HGB and HP
sebagai beban ditangguhkan pada laporan were recognized as deferred charges in
posisi keuangan konsolidasian dan the consolidated statements of financial
diamortisasi sepanjang mana yang lebih position and were amortized over
pendek antara umur hukum hak dan umur the shorter of the rights’ legal life and land’s
ekonomik tanah. economic life.
Good Corporate
Governance
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.
Corporate Social
Responsibility
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
Consolidated
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:
Corporate Data
Tahun/Years
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.
49 447


p. Aset tetap (lanjutan) p. Fixed assets (continued)
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 ekonomik 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.
Nilai residu, umur manfaat dan metode The asset residual values, useful lives and
penyusutan dievaluasi setiap akhir tahun dan depreciation method are reviewed at each
disesuaikan secara prospektif, jika diperlukan. year end and adjusted prospectively if
necessary.
Tanah dinyatakan sebesar biaya perolehan Land are stated at cost and not depreciated.
dan tidak disusutkan.
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.
Aset dalam penyelesaian Construction in progress
Akumulasi biaya konstruksi aset tetap The accumulated costs of the construction of
dikapitalisasi sebagai aset dalam fixed assets are capitalized as assets under
penyelesaian. Biaya tersebut direklasifikasi ke construction. These costs are reclassified to
akun aset tetap pada saat proses konstruksi the appropriate fixed asset account when the
selesai dan aset tetap siap untuk digunakan. construction is completed and the asset is
Penyusutan mulai dibebankan pada tanggal ready to use. Depreciation is charged from
yang sama. this date.
q. Penurunan nilai aset non-keuangan dan q. Impairment of non-financial assets and
komitmen dan kontinjensi commitments and contingencies
Sesuai dengan Surat Bank Indonesia (BI) In accordance with Bank Indonesia Letter
No. 13/658/DPNP/DPnP (SE-BI) tanggal No. 13/658/DPNP/DPnP (SE-BI) dated
23 Desember 2011, Bank tidak diwajibkan lagi December 23, 2011, the Bank is not required
untuk membentuk cadangan kerugian to provide an allowance for impairment losses
penurunan nilai atas aset non produktif dan on non-productive assets and administrative
transaksi rekening administratif (komitmen dan account transactions (commitments and
kontinjensi), namun Bank tetap harus contingencies), but the Bank should still
menghitung cadangan kerugian penurunan calculate the allowance for impairment losses
nilai mengacu pada standar akuntansi yang in accordance with the applicable accounting
berlaku. standards.
448 50


q. Penurunan nilai aset non-keuangan dan q. Impairment of non-financial assets and
komitmen dan kontinjensi (lanjutan) commitments and contingencies
(continued)
Efektif sejak berlakunya Surat BI tahun 2011 Since the validation of the 2011 BI’s letter
diatas, perubahan metode penentuan above, changes on the determination of
Introduction
cadangan kerugian penurunan nilai diatas allowance for impairment losses represent
merupakan perubahan kebijakan akuntansi changes in accounting policy which should
yang seharusnya diterapkan secara generally be applied retrospectively requiring
retrospektif dengan melakukan penyajian restatements of prior years’ consolidated
kembali laba rugi komprehensif konsolidasian statements of comprehensive income.
tahun-tahun sebelumnya.
Performance
Perhitungan cadangan kerugian penurunan The calculation of allowance for impairment
nilai mengacu kepada PSAK No. 57 (Revisi losses is conducted according to SFAS No. 57
2009) “Provisi, Liabilitas Kontinjensi, Dan Aset (Revised 2009) “Provision, Contingent
Kontinjensi” dan PSAK No. 48 (Revisi 2009) Liabilities and Contingent Assets” and SFAS
“Penurunan Nilai Aset” No. 48 (Revised 2009) “Impairment of Assets”
r. Beban dibayar dimuka r. Prepaid expenses
Good Corporate
Governance
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.
s. Aset lain-lain s. Other assets
Aset lain-lain terdiri dari piutang bunga, biaya Other assets include interests receivable,
Corporate Social
dibayar dimuka, kliring dalam penyelesaian, prepaid expenses, clearing in progress,
Responsibility
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- Consolidated
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.
t. Liabilitas segera t. Obligations due immediately

Corporate Data
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. amortized cost.
51 449


u. Simpanan nasabah, Simpanan nasabah u. Deposits from customers, Sharia deposits

syariah dan Dana syirkah temporer from customers and Temporary syirkah
fund
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.
Simpanan nasabah diklasifikasikan sebagai Deposits from customers are classified as

liabilitas keuangan dan diukur pada biaya financial liabilities and measured at amortized
perolehan diamortisasi menggunakan suku cost using the effective interest rate except for
bunga efektif kecuali simpanan dan dana deposits and temporary syirkah fund that are
syirkah temporer yang dinyatakan sebesar stated as the Bank’s and subsidiaries’
liabilitas Bank dan entitas anak kepada liabilities to the customers. Incremental costs
nasabah. Biaya tambahan yang dapat that can be attributed directly to the acquisition
diatribusikan secara langsung dengan of deposits from customers are deducted from
perolehan simpanan nasabah dikurangkan dari total deposits received.
jumlah simpanan yang diterima.
Giro wadiah merupakan giro wadiah yad- Wadiah which is a wadiah yad-adhamanah
adhamanah yakni titipan dana dalam bentuk savings and demand deposits on which the
giro dan tabungan pihak lain dimana pemilik customer may receive bonus income.
dana mendapatkan pendapatan bonus.
Dana syirkah temporer dalam bentuk tabungan Temporary syirkah funds in the form of
mudharabah yang merupakan simpanan dana mudharabah savings which entitle the
pihak lain yang memberikan pemilik dana customer to receive a share of the Sharia
imbalan bagi hasil dari pendapatan unit unit’s income in return for the use of the funds
Syariah atas penggunaan dana tersebut in accordance with the pre-defined terms
dengan nisbah yang ditetapkan dan disetujui (nisbah).
sebelumnya.
Dana syirkah temporer tidak dapat Temporary syirkah funds cannot be classified
digolongkan sebagai kewajiban. Hal ini karena as liability. This was due to BJBS does not
BJBS tidak berkewajiban untuk have any liability to return the initial fund to the
mengembalikan jumlah dana awal dari pemilik owners, except for losses due to the
dana, kecuali akibat kelalaian manajemen atau management negligence or default of loss is
wanprestasi ketika mengalami kerugian. Di sisi incurred. On the other hand, temporary syirkah
lain dana syirkah temporer tidak dapat fund cannot be classified as equity, because of
digolongkan sebagai ekuitas karena the maturity period and the depositors do not
mempunyai waktu jatuh tempo dan pemilik have the same rights as the shareholders’
dana tidak mempunyai hak kepemilikan yang such as voting rights and the rights of realized
sama dengan pemegang saham seperti hak gain from current assets and other non-
voting dan hak atas realisasi keuntungan yang investment accounts.
berasal dari aset lancar dan aset non-investasi
(current and other non-investment accounts).
450 52


u. Simpanan nasabah, Simpanan nasabah u. Deposits from customers, Sharia deposits
syariah dan Dana syirkah temporer from customers and Temporary syirkah
(lanjutan) fund (continued)
Pemilik dana syirkah temporer mendapatkan The owner of temporary syirkah funds receives
imbalan bagi hasil sesuai dengan nisbah yang a return from the profit sharing based on a
Introduction
ditetapkan. predetermined ratio.
v. Simpanan dari bank lain v. Deposits from other banks
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.
Performance
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
Good Corporate
biaya perolehan diamortisasi menggunakan cost using the effective interest rate except for
Governance
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.
Corporate Social
Simpanan dari bank lain dinyatakan sesuai Deposits from other banks are stated at
Responsibility
jumlah liabilitas terhadap nasabah. Bank’s liability to the customer.
w. Efek-efek yang dijual dengan janji untuk w. Marketable securities sold under
dibeli kembali repurchase agreements
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,
Consolidated
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
Corporate Data
metode suku bunga efektif. method.

x. Efek hutang yang diterbitkan x. Debt securities issued
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 and measured at amortized
lainnya yang diukur dengan biaya perolehan cost. Incremental costs that can be attributed
diamortisasi. Biaya tambahan yang dapat directly to the bonds issuance are deducted
diatribusikan secara langsung dengan from the total amount of bonds issued.
penerbitan obligasi dikurangkan dari total
obligasi yang diterbitkan.
53 451


x. Efek hutang yang diterbitkan (lanjutan) x. Debt securities issued (continued)
Setelah pengukuran awal, efek hutang yang After the initial measurement, debt securities
diterbitkan selanjutnya dinyatakan sebesar issued are subsequently measured at
biaya perolehan diamortisasi dengan amortised cost using the effective interest rate
menggunakan metode suku bunga efektif. method. Amortised cost is calculated by taking
Biaya perolehan diamortisasi dihitung dengan into account any discount or premium on initial
memperhitungkan adanya diskonto atau premi recognition and costs that are an integral part
terkait dengan pengakuan awal dan biaya- of the effective interest rate.
biaya yang merupakan bagian yang tidak
terpisahkan dari suku bunga efektif.
y. Pendapatan dan beban bunga y. Interest income and expense
Konvensional Conventional
Pendapatan dan beban bunga diakui pada Interest income and expenses are recognized
laporan laba rugi komprehensif konsolidasian in the consolidated statements 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.
Pada saat menghitung suku bunga efektif, When calculating the effective interest rate,
Bank dan entitas anak mengestimasi arus kas the Bank and subsidiaries estimate future
di masa datang dengan mempertimbangkan cash flows considering all contractual terms of
seluruh persyaratan kontraktual dalam the financial instrument but not future credit
instrumen keuangan tersebut, tetapi tidak losses. This calculation covers all commission,
mempertimbangkan kerugian kredit di masa provision, and other forms accepted by the
mendatang. Perhitungan ini mencakup seluruh parties in the contract which are an integral
komisi, provisi, dan bentuk lain yang diterima part of effective interest rate, transaction
oleh para pihak dalam kontrak yang costs, and all other premiums and discounts.
merupakan bagian yang tidak terpisahkan dari
suku bunga efektif, biaya transaksi, dan
seluruh premi atau diskon lainnya.
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.
452 54


y. Pendapatan dan beban bunga (lanjutan) y. Interest income and expense (continued)
Syariah Sharia
Pendapatan operasi syariah utama terdiri dari The main sharia operating income consists of
pendapatan dari transaksi murabahah dan income from murabahah and istishna
Introduction
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
Performance
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
Good Corporate
Governance
saat diterima.
z. Pendapatan provisi dan komisi z. Fees and commission income sharia

pembiayaan syariah financing
Pendapatan provisi dan komisi yang Significant fees and commission income
jumlahnya signifikan yang berkaitan langsung directly related to lending activities, or fees
dengan kegiatan pinjaman, atau pendapatan and commission income which relate to a
Corporate Social
Responsibility
provisi dan komisi yang berhubungan dengan specific period, are amortized over the term of
jangka waktu tertentu, diamortisasi sesuai the underlying contract using effective interest
dengan jangka waktu kontrak menggunakan interest rate. Unamortized fees and
suku bunga efektif. Untuk pinjaman yang commission income relating to loans settled
dilunasi sebelum jatuh temponya, saldo prior to maturity are recognized at the
pendapatan provisi dan komisi ditangguhkan settlement date. Other fees and commission
diakui pada saat pinjaman dilunasi. income are recognized at the transaction date.
Pendapatan provisi dan komisi lainnya diakui
pada saat terjadinya transaksi. Consolidated
Pendapatan provisi dan komisi yang berkaitan Fees and commission income related to
dengan pembiayaan diakui sebagai bagian financing activities are recognized as part of
dari pendapatan bunga. interest income.
aa. Sewa operasi aa. Operating lease

Corporate Data
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 statements 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.
55 453


ab. Pajak penghasilan ab. Income tax
Bank dan entitas anak menerapkan PSAK The Bank and subsidiaries applied SFAS
No. 46 (Revisi 2010) “Pajak Penghasilan”. No. 46 (Revised 2010) “Accounting for Income
Tax”.
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. The
tanggal laporan posisi keuangan. Pengaruh related tax effects of the provisions for and/or
pajak terkait dengan penyisihan untuk reversals of all temporary differences during
dan/atau pembalikan seluruh perbedaan the year, including the effect of change in tax
temporer selama tahun berjalan, termasuk rates, are recognized as “Income Tax Benefit
pengaruh perubahan tarif pajak, diakui sebagai (Expense) - Deferred” and included in the
“Manfaat / (Beban) Pajak Penghasilan, determination of net profit or loss for the year,
Tangguhan” dan termasuk dalam laba atau except to the extent that they relate to items
rugi neto tahun berjalan, kecuali untuk previously charged or credited to equity.
transaksi-transaksi yang sebelumnya telah
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.
454 56


ac. Imbalan kerja ac. Employee benefits
No. 24 (Revisi 2010), “Imbalan Kerja”, yang No. 24 (Revised 2010), “Employee Benefits”,
mengatur perlakuan akuntansi dan which regulates the accounting and disclosure
pengungkapan atas imbalan kerja, baik jangka for employee benefits, both short-term (e.g.,
Introduction
pendek (misalnya pembayaran cuti tahunan, paid annual leave, paid sick leave) and long-
pembayaran cuti sakit) dan jangka panjang term (e.g., long-service leave, post-
(misalnya, pembayaran cuti besar, manfaat employment medical benefits). The Bank and
kesehatan pasca-kerja). Bank dan entitas anak subsidiaries have chosen the 10% corridor
telah memilih metode koridor 10% untuk method for the recognition of actuarial gains
pengakuan keuntungan dan kerugian aktuaria. and losses. The Bank and subsidiaries also
Bank dan entitas anak juga mengakui recognize liability and expense when an
kewajiban dan beban pada saat karyawan employee has provided service and the entity
Performance
telah memberikan jasa serta entitas telah consumes economic benefit arising from the
menerima manfaat ekonomi dari jasa tersebut. service.
Imbalan kerja jangka pendek Short-term employee benefits
Imbalan kerja jangka pendek diakui pada saat Short-term employee benefits are recognized
terhutang kepada karyawan berdasarkan when they become payable to the employees
Good Corporate
metode akrual. based on accrual basis.
Governance
Imbalan kerja jangka panjang dan imbalan Long-term and post-employment benefits
pasca kerja
Imbalan kerja jangka panjang dan imbalan Long-term and post-employment employee
pasca kerja, seperti pensiun, cuti berimbalan benefits, such as pension, long service leave,
jangka panjang, uang pisah, dan uang severance pay and service pay, are organized
Corporate Social
penghargaan, diatur berdasarkan Peraturan based on the Company Regulations which are
Responsibility
Perusahaan yang telah sesuai dengan in accordance with the labour Law
Undang-undang Ketenagakerjaan No. 13/2003 No. 13/2003 (The “Labour Law).
(“UU Ketenagakerjaan”).
Sehubungan dengan manfaat pensiun, Bank In relation to the pension benefits, the Bank
memiliki program pensiun manfaat pasti untuk has a defined benefit plan for all its permanent
seluruh karyawan tetapnya. Program pensiun employees. The defined benefit plan is funded
Consolidated
manfaat pasti didanai melalui pembayaran through payments to Dana Pensiun Bank
kepada Dana Pensiun Bank Jabar Banten Jabar Banten as determined by periodic
yang ditentukan dengan perhitungan aktuaris actuarial calculations. The establishment of
secara berkala. Pendirian Dana Pensiun Bank Dana Pensiun Bank Jabar Banten was
Jabar Banten telah mendapat pengesahan dari approved by the Minister of Finance through
Menteri Keuangan melalui suratnya the letter No. 143/KM.17/1994 dated
No. 143/KM.17/1994 tanggal 18 Juni 1994 June 18, 1994 which was changed by the last
Corporate Data
sebagaimana terakhir diubah dengan Minister of Finance Decision Letter No. KEP-
keputusan Menteri Keuangan No. KEP- 394/KM.10/2010 dated May 13, 2011.
394/KM.10/2010 tanggal 13 Mei 2011.
Program pensiun manfaat pasti merupakan A defined benefit plan is a pension plan that
program pensiun yang menetapkan jumlah defines an amount of pension benefit that an
imbalan pensiun yang akan diterima oleh employee will receive on retirement which
karyawan pada saat pensiun yang biasanya usually depends on one or more factors, such
tergantung pada satu faktor atau lebih seperti as age, years of service and total
umur, masa kerja dan jumlah kompensasi. compensation.
Jumlah kontribusi karyawan dalam program The total employee contribution in this pension
pensiun ini ditetapkan sebesar 5% dari gaji program is 5% of the basic salary and the
dasar dan sisanya ditanggung oleh Bank dan remaining amount required to fund the plan is
entitas anak. borne by the Bank and subsidiaries.
57 455


ac. Imbalan kerja (lanjutan) ac. Employee benefits (continued)
Beban liabilitas masa lampau diakui secara Past service costs are recognized immediately
langsung di laporan laba rugi komprehensif in the consolidated statements of
konsolidasian, kecuali pembayaran imbalan comprehensive income, unless the payments
tersebut tergantung pada apakah karyawan of the benefits are conditional on whether the
tetap bekerja selama periode waktu tertentu employees remain working for a specified
(periode vesting). Dalam hal ini, biaya jasa lalu period of time (vesting period). In this case,
diamortisasi secara metode garis lurus the past service costs are amortized on a
sepanjang periode vesting. straight-line method over the vesting period.
Berdasarkan PSAK No. 24 (Revisi 2010), Based on SFAS No. 24 (Revised 2010), the
liabilitas imbalan kerja merupakan nilai kini employee benefit obligation is the present
liabilitas imbalan pasti pada tanggal laporan value of the defined benefit obligation at the
posisi keuangan konsolidasian dikurangi nilai consolidated statements of financial position
wajar aset program serta disesuaikan dengan date less the fair value of plan assets,
keuntungan atau kerugian aktuarial dan biaya together with adjustments for unrecognized
jasa lalu yang belum diakui. Liabilitas imbalan actuarial gains or losses and past service
pasti dihitung secara periodik oleh aktuaris costs. The defined benefit obligation is
independen dengan menggunakan metode calculated periodically by independent
projected unit credit. actuaries using the projected unit credit
method.
Nilai kini liabilitas imbalan pasti ditentukan The present value of the defined benefit
dengan mendiskontokan estimasi arus kas obligation is determined by discounting the
keluar masa depan dengan menggunakan estimated future cash outflows using interest
acuan tingkat bunga obligasi pemerintah rates of government bonds (considering
dalam mata uang yang sama dengan mata currently there is no deep market for high-
uang imbalan yang akan dibayarkan dan quality corporate bonds) that are denominated
jangka waktu jatuh tempo yang kurang lebih in the currency in which the benefit will be
sama dengan waktu jatuh tempo imbalan yang paid, and that have terms to maturity
bersangkutan. approximating the terms of the related pension
liability.
Keuntungan dan kerugian aktuarial yang Actuarial gains and losses arising from
timbul dari penyesuaian pengalaman dan experience adjustments and changes in
perubahan asumsi-asumsi aktuarial untuk actuarial assumptions for each plan at the end
setiap program pada setiap akhir periode of the previous reporting period that exceed
pelaporan sebelumnya yang jumlah whichever is higher of 10% of the present
keuntungan atau kerugian aktuarial tersebut value of defined benefit obligation or 10% of
melebihi dari salah satu yang lebih tinggi the fair value of plan assets at that date are
antara 10% dari nilai kini liabilitas imbalan pasti amortized over the average remaining service
atau 10% dari nilai wajar aset program pada life of the covered employees and charged or
tanggal tersebut maka kelebihannya credited to the consolidated statements of
dibebankan atau dikreditkan pada laporan laba comprehensive income.
rugi komprehensif konsolidasian selama sisa
masa kerja rata-rata para karyawan yang
bersangkutan.
456 58


ac. Imbalan kerja (lanjutan) ac. Employee benefits (continued)
Imbalan kerja jangka panjang dan imbalan Long-term and post-employment benefits
pasca kerja (lanjutan) (continued)
Bank dan entitas anak harus menyediakan The Bank and subsidiaries are required to
Introduction
program pensiun dengan manfaat minimal provide a minimum amount of pension benefits
tertentu sesuai dengan UU Ketenagakerjaan. in accordance with the Labor Law. Since the
Karena UU Ketenagakerjaan menentukan Labor Law sets the formula for determining
rumus tertentu untuk menghitung jumlah the minimum amount of benefits, pension
minimal manfaat pensiun, pada dasarnya plans under the Labor Law are in substance
program pensiun berdasarkan UU defined benefit plans. The calculation of the
Ketenagakerjaan adalah program manfaat benefit obligation performed by the actuary
Performance
pasti. Perhitungan manfaat pensiun yang shows that the expected benefits provided by
dilakukan oleh aktuaris menunjukkan bahwa the Bank’s pension plan will exceed the
perkiraan manfaat yang disediakan oleh dana minimum requirements of the Labor Law,
pensiun Bank akan melebihi manfaat pensiun therefore, no adjustment is needed in relation
minimal yang ditentukan oleh UU to the benefits under the Bank’s pension plan.
Ketenagakerjaan, oleh karena itu, Bank tidak
perlu melakukan penyesuaian atas manfaat
Good Corporate
pensiun yang disediakannya.
Governance
Program manfaat jangka panjang lainnya Other long-term benefit plan
Di luar program pensiun manfaat pasti, Bank Other than pension benefits, the Bank and
dan entitas anak juga memberikan imbalan subsidiaries also provide a lump-sum benefit
yang bersifat jangka panjang lainnya yaitu for Employees Reaching Pension Age (THT),
meliputi Tunjangan Hari Tua (THT), uang Service Reward Benefits (PMK), Pension
Corporate Social
Responsibility
Penghargaan Masa Kerja (PMK), Masa Preparation Period (MPP) and Annual Leave
Persiapan Pensiun (MPP) dan Cuti Besar. to its employees.
Sama seperti manfaat pensiun, liabilitas dan Similar to pension benefits, THT, PMK, MPP
beban pendanaan THT, PMK, MPP dan Cuti and Annual Leave liabilities and expenses are
Besar dihitung oleh aktuaris independen calculated by independent actuaries using the
dengan menggunakan metode projected unit projected unit credit method.
credit.
Consolidated
ad. Laba per saham dasar ad. Basic earnings per share
Bank menerapkan PSAK No. 56 (Revisi 2011), The Bank adopted SFAS No. 56 (Revised
“Laba per Saham”. 2011), “Earning per Share”.
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
Corporate Data
dengan rata-rata tertimbang jumlah saham entity by the weighted average number of
biasa yang beredar selama tahun berjalan. shares outstanding during the year.
Bank tidak mempunyai efek berpotensi saham The Bank has no outstanding dilutive potential
biasa yang bersifat dilutif pada tanggal ordinary shares as of December 31, 2013 and
31 Desember 2013 dan 2012, dan oleh 2012, and acordingly, no diluted earnings per
karenanya, laba per saham dilusian tidak share is calculated and presented in the
dihitung dan disajikan pada laporan laba rugi consolidated statements of comprehensive
komprehensif konsolidasian. income.
59 457


ae. Transaksi dengan pihak-pihak berelasi ae. Transactions with related parties
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”.
No. 7 (Revisi 2010), “Pengungkapan Pihak- No. 7 (Revised 2010), "Related Party
pihak Berelasi”. PSAK revisi ini mensyaratkan Disclosures". This revised SFAS requires
pengungkapan hubungan, transaksi dan saldo disclosure of relationships, transactions and
pihak-pihak berelasi, termasuk komitmen, balances of related parties, including the
dalam laporan keuangan konsolidasian. commitments in the consolidated financial
statements.
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 (i) or (v);
individu seperti diuraikan dalam butir (i)
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.
458 60


ae. Transaksi dengan pihak-pihak berelasi ae. Transactions with related parties
Transaksi ini dilakukan berdasarkan Transactions with related parties are made on
persyaratan yang disetujui oleh kedua belah terms agreed by both parties, where such
pihak, dimana persyaratan tersebut mungkin requirements may not be the same as other
Introduction
tidak sama dengan transaksi lain yang transactions undertaken with third parties. All
dilakukan dengan pihak-pihak yang tidak transactions and balances with related parties
berelasi. Seluruh transaksi dan saldo dengan are disclosed in the notes to the consolidated
pihak-pihak berelasi diungkapkan dalam financial statements and the relevant details
catatan atas laporan keuangan konsolidasian have been presented in Note 43.
yang relevan dan rinciannya telah disajikan

dalam Catatan 43.
Performance
af. Dividen af. Dividends
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
Good Corporate
Governance
shareholders.
ag. Informasi segmen usaha ag. Business segment information

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
Corporate Social
Responsibility
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
Consolidated
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
Corporate Data
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 in
pengambil keputusan operasional sesuai accordance with SFAS No. 5 (Revised 2009),
PSAK No. 5 (Revisi 2009), “Segmen “Operating Segments”. The chief operating
Operasi”. Pengambil keputusan operasional decision maker is the Board of Directors.
adalah Direksi.
61 459


ag. Informasi segmen usaha (lanjutan) ag. Business segment information (continued)
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.
ah. Biaya emisi penerbitan saham ah. Issuance cost on shares issued
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.
ai. Perubahan dalam kebijakan akuntansi dan ai. Changes in accounting policies and
pengungkapan disclosures
Bank dan entitas anak menerapkan perbaikan The Bank and subsidiaries adopted the
tahunan atas PSAK No. 60 ”Instrumen annual improvements to SFAS No. 60
Keuangan: Pengungkapan” efektif tertanggal “Financial Instrument: Disclosure”, effective
1 Januari 2013. Perbaikan tahunan Standar January 1, 2013. The annual improvements to
Akuntansi Keuangan ini menyediakan the Financial Accounting Standard prescribes
pengungkapan kualitatif, dalam konteks qualitative disclosures which enable financial
pengungkapan kuantitatif, yang statements users to correlate the related
memungkinkan pengguna laporan keuangan disclosures, in order for financial statements
mampu menghubungkan pengungkapan- users to comprehend the overall perspective
pengungkapan terkait, sehingga pengguna on the risk’s characteristics and level resulting
laporan keuangan dapat memahami from the financial instrument. Interaction
gambaran keseluruhan mengenai sifat dan between qualitative and quantitative
luas risiko yang timbul dari instrumen disclosures results in information that enable
keuangan. Interaksi antara pengungkapan financial statement users to better evaluate
kualitatif dan kuantitatif menghasilkan the entity’s risk
pengungkapan informasi dengan suatu cara exposure.
yang memungkinkan pengguna laporan
keuangan mampu mengevaluasi eksposur
risiko suatu entitas dengan lebih baik.
aj. Modal saham aj. Capital stock

Modal saham diukur pada nilai nominal untuk Capital stock is measured at par value for all
semua saham yang diterbitkan. shares issued.
460 62


ak. Saldo laba ak. Retained earnings

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
Introduction
akuntansi dan penyesuaian modal lainnya. accounting policy and other capital
adjustments.
al. Provisi al. Provisions

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
Performance
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.
Good Corporate
Provisi ditelaah pada setiap tanggal Provisions are reviewed at each reporting date
Governance
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 besar benefits will be required to settle the obligation,
tidak terjadi, maka provisi dibatalkan. the provision is reversed.
am. Kontinjensi am. Contingencies
Corporate Social
Responsibility
Liabilitas kontinjensi tidak diakui dalam Contingent liabilities are not recognized in the
laporan keuangan konsolidasian tetapi financial statement but are disclosed unless
diungkapkan kecuali jika kemungkinan the possibility of an outflow of resources
terjadinya kecil. Aset kontinjensi tidak diakui embodying economic benefits is remote.
namun diungkapkan dalam laporan Contingent assets are not recognized but are
keuangan konsolidasian ketika adanya disclosed in the consolidated financial
kemungkinan untuk mendapatkan manfaat statements when an inflow of economic
Consolidated
ekonomi. benefits is probable.
an. Peristiwa setelah periode pelaporan an. Events after the reporting period
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
Corporate Data
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.
63 461

3. PENILAIAN DAN ESTIMASI AKUNTANSI YANG 3. SIGNIFICANT ACCOUNTING JUDGMENTS AND

SIGNIFIKAN ESTIMATES
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.
Pertimbangan Judgments
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 financial statement
usahanya. Oleh karena itu, laporan keuangan continues to be prepared on the going concern
telah disusun atas dasar usaha yang basis.
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.
462 64


SIGNIFIKAN (lanjutan) ESTIMATES (continued)
Pertimbangan (lanjutan) Judgments (continued)
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
Introduction
keuangan yang tercatat pada laporan posisi financial liabilities recorded on the consolidated
keuangan konsolidasian tidak tersedia di pasar statements 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. Masukan (input) untuk model of mathematical models. The inputs to these
ini berasal dari data pasar yang bisa diamati models are derived from observable market data
sepanjang data tersebut tersedia. Bila data pasar where possible, but where observable market data
yang bisa diamati tersebut tidak tersedia, are not available, judgment is required to establish
Performance
pertimbangan manajemen diperlukan untuk fair values. The judgment include considerations of
menentukan nilai wajar. Pertimbangan manajemen liquidity and model inputs such as volatility and
tersebut mencakup pertimbangan likuiditas dan discount rates, prepayment rates and default rate
masukan model seperti volatilitas dan tingkat assumptions.
diskonto, tingkat pelunasan dipercepat dan asumsi
tingkat gagal bayar.
Good Corporate
Investasi dimiliki hingga jatuh tempo Held-to-maturity securities
Governance
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
Corporate Social
Responsibility
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. Consolidated
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
Corporate Data
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.
65 463


Pertimbangan (lanjutan) Judgments (continued)
Penilaian Mata Uang Fungsional Assessment of Functional Currency
PSAK No. 10 (Revisi 2010) mengharuskan SFAS No. 10 (Revised 2010) requires
manajemen untuk menggunakan pertimbangan management to use its judgment to determine the
untuk menentukan mata uang fungsional yang entity’s functional currency such that it most
paling mewakili dampak ekonomi dari suatu faithfully represents the economic effects of the
transaksi, kejadian dan kondisi-kondisi yang underlying transactions, events and conditions that
relevan terhadap entitas. Dalam membuat are relevant to the entity. In making this judgment,
pertimbangan tersebut, Bank dapat the Bank considers the following:
mempertimbangkan hal-hal sebagai berikut:
1. mata uang yang mempengaruhi harga jual 1. the currency that mainly influences sales
atas instrumen keuangan dan jasa-jasa prices for financial instruments and services
lainnya (biasanya dari mata uang atas harga (this will often be the currency in which sales
jual instrumen keuangan dan jasa-jasa yang prices for its financial instruments and
telah diselesaikan); services are denominated and settled);
2. mata uang atas dana yang dihasilkan dari 2. the currency in which funds from financing
aktivitas pendanaan; dan activities are generated; and
3. mata uang atas yang biasa diterima dari 3. the currency in which receipts from operating
aktivitas operasi. activities are usually retained.
Estimasi dan Asumsi Estimates and Assumptions
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 statement 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.
464 66


Cadangan kerugian penurunan nilai dari kredit Allowance for impairment losses on loans and
dan pembiayaan/piutang syariah (lanjutan) sharia financing/receivables (continued)
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
Introduction
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.
Performance
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
Good Corporate
Governance
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.
Corporate Social
Responsibility
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.
biaya perolehan diamortisasi.
Umur ekonomis dari aset tetap Useful lives of premises and equipment
Bank dan entitas anak memperkirakan masa The Bank and subsidiaries estimate the useful Consolidated
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,
Corporate Data
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.
67 465


Estimasi dan Asumsi (lanjutan) Estimates and Assumptions (continued)
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) Tren negatif industri dan ekonomi yang c) significant negative industry or economic
signifikan. 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). Jumlah terpulihkan and its value in use. Recoverable amounts are
diestimasi untuk aset individual atau, jika tidak estimated for individual assets or, if it is not
memungkinkan, untuk unit penghasil kas yang possible, for the Cash Generating Unit to which the
mana aset tersebut merupakan bagian daripada asset belongs.
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.
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 dates 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.
466 68


Estimasi dan Asumsi (lanjutan) Estimates and Assumptions (continued)
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
Introduction
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.
Performance
4. KAS 4. CASH
2013 2012
Jumlah nosional Jumlah nosional

mata uang asing/ mata uang asing/
Good Corporate
Notional amount Notional amount
Governance
in foreign Ekuivalen in foreign Ekuivalen
currencies Rupiah/ currencies Rupiah/
(angka penuh/ Equivalent (angka penuh/ Equivalent
full amount) Rupiah full amount) Rupiah
Rupiah 2.579.941 1.784.450 Rupiah
Mata uang asing Foreign currencies

Dolar Amerika Serikat 1.132.185 13.779 682.654 6.579 United States Dollar
Corporate Social
Responsibility
Dolar Singapura 89.168 858 476.515 3.754 Singapore Dollar
Euro Eropa 19.140 321 14.340 183 European Euro
Riyal Saudi Arabia 42.004 136 14.508 38 Saudi Arabian Riyal
Dolar Australia 12.550 136 3.475 35 Australian Dollar
Poundsterling Inggris 1.620 32 60 1 Great Britain Poundsterling
Yen Jepang 266.000 31 251.000 28 Japanese Yen
Yen China 8.400 17 - - China Yen
Dolar Hong Kong 5.750 9 5.000 6 Hong Kong Dollar
Total 2.595.260 1.795.074 Total
Consolidated
Saldo dalam mata uang Rupiah termasuk uang The Rupiah balance includes cash in ATMs
pada Anjungan Tunai Mandiri (ATM) sebesar (Automatic Teller Machines) of Rp247,958 and
Rp247.958 dan Rp174.425 masing-masing pada Rp174,425, as of December 31, 2013 and 2012,
tanggal 31 Desember 2013 dan 2012. respectively.
Corporate Data
5. GIRO PADA BANK INDONESIA 5. CURRENT ACCOUNTS WITH BANK

INDONESIA
2013 2012

Rupiah 4.412.730 4.599.805 Rupiah

Dolar Amerika Serikat 3.400.000 41.378 6.870.000 66.210 United States Dollar
Total 4.454.108 4.666.015 Total
69 467

5. GIRO PADA BANK INDONESIA (lanjutan) 5. CURRENT ACCOUNTS WITH BANK

INDONESIA (continued)
Tingkat bunga rata-rata atas giro pada Bank The average interest rate for current accounts with
Indonesia pada tahun 2013 dan 2012, masing- Bank Indonesia in 2013 and 2012 are 0.55% and
masing adalah sebesar 0,55% dan 0,55%. 0.55%, respectively.
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 Rp129.494 dan Rp142.262, masing- principles amounting to Rp129,494 and
masing pada tanggal 31 Desember 2013 dan 2012. Rp142,262, as of December 31, 2013 and 2012,
respectively.
Rasio Giro Wajib Minimum (GWM) yang The minimum statutory reserve ratios as of
dipersyaratkan oleh Bank Indonesia pada tanggal December 31, 2013 and 2012 required under Bank
31 Desember 2013 dan 2012 adalah sebagai Indonesia regulations are as follows:
berikut:
2013 2012
Rupiah Rupiah
Utama 8,00% 8,00% Primary
Sekunder 4,00% 2,50% Secondary
LDR 0,00% 0,60% LDR
Mata uang asing Foreign currency
Dolar Amerika Serikat United States Dollar
Syariah Sharia
Rupiah 5,00% 5,00% Rupiah
Rasio Giro Wajib Minimum (GWM) (tidak diaudit) The ratio of minimum statutory reserves (GWM)
Bank adalah sebagai berikut: (unaudited) of the Bank is as follows:
2013 2012
Rupiah Rupiah
Sekunder 10,49% 27,13% Secondary
LDR 0,00% 0,60% LDR
Syariah Sharia
Bank dipersyaratkan untuk memiliki Giro Wajib The Bank is required to maintain minimum
Minimum (GWM) dalam mata uang Rupiah dalam statutory reserves in Rupiah currency in its
kegiatannya sebagai bank umum dan syariah, activities as a commercial and sharia bank, and
serta GWM dalam mata uang asing dalam foreign statutory reserves in its activities in the
kegiatannya melakukan transaksi mata uang asing. conduct of foreign currency transactions. These
GWM disimpan dalam bentuk giro pada Bank minimum statutory reserves are deposited in the
Indonesia. form of current accounts with Bank Indonesia.
Rasio GWM pada tanggal 31 Desember 2013 The statutory reserves ratio as of December 31,
dihitung berdasarkan PBI No.15/7/PBI/2013 2013 is calculated based on Bank Indonesia
tanggal 26 September 2013 tentang Perubahan Regulation (PBI) No. 15/7/PBI/2013 dated
Kedua atas Peraturan Bank Indonesia September 26, 2013 concerning the second
No. 12/19/PBI/2010 tentang Giro Wajib Minimum amendment of PBI No. 12/19/PBI/2010 regarding
Bank Umum pada Bank Indonesia dalam Rupiah “Statutory Reserves for Commercial Banks with
dan Valuta Asing. Bank Indonesia in Rupiah and Foreign
Currencies”.
468 70

5. GIRO PADA BANK INDONESIA (lanjutan) 5. CURRENT ACCOUNTS WITH BANK

INDONESIA (continued)
Rasio GWM pada tanggal 31 Desember 2012 The statutory reserves ratio as of December 31,
dihitung berdasarkan PBI No. 13/10/PBI/2011 2012 is calculated based on Bank Indonesia
tanggal 9 Februari 2011 tentang Perubahan atas Regulation (PBI) No. 13/10/PBI/2011 dated
PBI No.12/19/PBI/2010 tentang Giro Wajib February 9, 2011 concerning amendment of PBI
Minimum Bank Umum pada Bank Indonesia dalam No.12/19/PBI/2010 regarding “Statutory Reserves
Introduction
Rupiah dan Mata Uang Asing. for Commercial Banks with Bank Indonesia in
Rupiah and Foreign Currencies”.
Pada tanggal 31 Desember 2013 dan As of December 31, 2013 and 2012, the
2012, perhitungan rasio GWM berdasarkan prinsip calculation of statutory reserves based on sharia
syariah didasarkan pada PBI No. 6/21/PBI/2004 principles is in accordance with PBI No. 6/21/
tanggal 3 Agustus 2004 tentang Giro Wajib PBI/2004 dated August 3, 2004 concerning The

Minimum dalam Rupiah dan Valuta Asing bagi Statutory Reserves in Rupiah and Foreign
Performance
Bank Umum yang melaksanakan kegiatan usaha Currencies for Commercial Banks conducting
berdasarkan prinsip syariah yang diperbaharui sharia activities based on sharia principles which
dengan PBI No. 8/23/PBI/2006 tanggal 5 Oktober has been amended by PBI No. 8/23/PBI/2006
2006 dan PBI No. 10/23/PBI/2008 tanggal dated October 5, 2006 and PBI
16 Oktober 2008. No. 10/23/ PBI/2008 dated October 16, 2008.
Bank telah memenuhi ketentuan Bank Indonesia The Bank has complied with Bank Indonesia
Good Corporate
tentang Giro Wajib Minimum pada regulations concerning the minimum statutory
Governance
31 Desember 2013 dan 2012. reserve requirements in 2013 and 2012.
Sisa umur jatuh tempo atas giro pada Bank The remaining period of current accounts with
Indonesia dikategorikan sebagai kurang dari satu Bank Indonesia is categorized as less than one
bulan (Catatan 48). month (Note 48).
Corporate Social
6. GIRO PADA BANK LAIN 6. CURRENT ACCOUNTS WITH OTHER BANKS
Responsibility
a. Berdasarkan mata uang a. By currency
2013 2012

Consolidated
Rupiah 36.490 69.380 Rupiah

Corporate Data
Euro Eropa 1.509.284 25.295 1.491.437 18.988 European Euro

Dolar Singapura 1.174.544 11.302 702.089 5.531 Singapore Dollar
Dolar Australia 193.225 2.098 189.122 1.893 Australian Dollar
Poundsterling Inggris 70.131 1.410 98.485 1.528 Great Britain Poundsterling
Dolar Hong Kong 588.482 924 48.302 60 Hong Kong Dollar
Yuan Cina 280.434 563 8.963.205 13.880 Chinese Yuan
Yen Jepang 519.647 60 543.629 61 Japanese Yen
140.489 220.375
Total 176.979 289.755 Total

Cadangan kerugian Allowance for
penurunan nilai (91) (69) impairment losses
Neto 176.888 289.686 Net
71 469

6. GIRO PADA BANK LAIN (lanjutan) 6. CURRENT ACCOUNTS WITH OTHER BANKS
(continued)
b. Berdasarkan hubungan b. Based on relationship
2013 2012
Pihak ketiga Third parties


Euro Eropa 25.295 18.988 European Euro
Dolar Singapura 11.302 5.531 Singapore Dollar
Poundsterling Inggris 1.410 1.528 Great Britain Poundsterling
Dolar Hong Kong 924 60 Hong Kong Dollar
Yuan Cina 563 13.880 Chinese Yuan
Yen Jepang 60 61 Japanese Yen
140.489 220.375
Total 176.979 289.755 Total

Cadangan kerugian Allowance
penurunan nilai (91) (69) for impairment losses
Neto 176.888 289.686 Net
c. Berdasarkan bank c. By bank
2013 2012
Rupiah Rupiah
Bank Pemerintah Daerah Regional Banks
PT BPD Jawa Timur 1.251 25 PT BPD Jawa Timur
PT BPD Kalimatan Selatan 504 310 PT BPD Kalimatan Selatan
PT BPD Jawa Tengah 497 1.129 PT BPD Jawa Tengah
PT BPD Lampung 160 468 PT BPD Lampung
PT BPD DKI 18 18 PT BPD DKI
PT BPD Sulawesi Selatan 6 5 PT BPD Sulawesi Selatan
PT BPD Bali 5 5 PT BPD Bali
PT BPD Kalimantan Timur 2 21 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
2.447 1.985
Bank Umum Commercial Banks

PT Bank Central Asia Tbk 29.422 54.332 PT Bank Central Asia Tbk
PT Bank Rakyat Indonesia PT Bank Rakyat Indonesia
(Persero) Tbk 1.822 1.056 (Persero) Tbk
PT Bank Negara Indonesia PT Bank Negara Indonesia
(Persero) Tbk 892 1.400 (Persero) Tbk
PT Bank Danamon Indonesia Tbk 628 8.749 PT Bank Danamon Indonesia Tbk
PT Bank CIMB Niaga Tbk 570 263 PT Bank CIMB Niaga Tbk
PT Bank NISP Tbk 296 368 PT Bank NISP Tbk
PT Bank Mandiri (Persero) Tbk 246 644 PT Bank Mandiri (Persero) Tbk
PT Bank Andara 152 541 PT Bank Andara
PT Bank Himpunan Saudara Tbk 15 42 PT Bank Himpunan Saudara Tbk
34.043 67.395
Total rupiah 36.490 69.380 Total rupiah
470 72

(continued)
c. Berdasarkan bank (lanjutan) c. By bank (continued)
2013 2012

Citibank, New York 55.210 36.294 Citibank, New York
Standard Chartered Bank, Standard Chartered Bank,
Introduction
Frankfurt 20.413 14.621 Frankfurt
PT Bank Mandiri (Persero) Tbk 9.557 24.816 PT Bank Mandiri (Persero) Tbk
New York 11.532 6.424 New York
Overseas-Chinese Banking Overseas-Chinese Banking
Corporation, Singapura 11.302 5.531 Corporation, Singapore
Bank Of America 10.739 132 Bank Of America
Commerzbank, Frankfurt 6.326 4.062 Commerzbank, Frankfurt
Performance
PT Bank Central Asia Tbk 8.231 14.748 PT Bank Central Asia Tbk
(Persero) Tbk, USD Direct (Persero) Tbk, USD Direct
Settlement 3.560 - Settlement
Australia and New Zealand Bank, Australia and New Zealand Bank,
Melbourne 1.832 1.893 Melbourne
Hongkong 799 - Hongkong
Good Corporate
Governance
Industrial and Commercial Bank Industrial and Commercial Bank
Of China 563 13.880 Of China
National Australian Bank Ltd 266 - National Australian Bank Ltd
Indover Bank, Amsterdam 91 69 Indover Bank, Amsterdam
(Persero) Tbk, Tokyo 60 16.893 (Persero) Tbk, Tokyo
BNI kustodian 8 - BNI kustodian
Wells Fargo Bank, San Fransisco - 59.116 Wells Fargo Bank, San Fransisco
Corporate Social
Wells Fargo Bank, New York - 20.071 Wells Fargo Bank, New York
Responsibility
Wells Fargo Bank, London 1.824 Wells Fargo Bank, London
Citibank, Hong Kong - 1 Citibank, Hong Kong
Total mata uang asing 140.489 220.375 Total foreign currencies

Total 176.979 289.755 Total
penurunan nilai (91) (69) for impairment losses
Consolidated
Neto 176.888 289.686 Net
d. Tingkat suku bunga rata-rata per tahun d. Average interest rates per annum
2013 2012

Corporate Data
Mata uang asing 0,00% 0,19% Foreign currencies
e. Perubahan cadangan kerugian penurunan e. Movements in the allowance for

nilai impairment losses
2013 2012
Saldo awal 69 92 Beginning balance

Penyisihan (pembalikan) selama Provision (reversal) during
tahun berjalan 22 (23) during the year
Saldo akhir 91 69 Ending balance
Manajemen berpendapat bahwa jumlah Management believes that the above

cadangan kerugian penurunan nilai di atas allowance for impairment losses is adequate.
telah memadai.
73 471

(continued)
f. Berdasarkan kolektibilitas f. By collectibility
Kolektibilitas giro pada bank lain pada tanggal- The collectibility of current accounts with other
tanggal 31 Desember 2013 dan 2012 adalah banks as of December 31, 2013 and 2012
sebagai berikut: are as follows:
2013 2012
Lancar 176.888 289.686 Current

Macet 91 69 Loss
Total 176.979 289.755 Total

Cadangan kerugian
penurunan nilai (91) (69) Allowance for impairment losses
Neto 176.888 289.686 Net
7. PENEMPATAN PADA BANK INDONESIA DAN 7. PLACEMENTS WITH BANK INDONESIA AND
BANK LAIN OTHER BANKS
a. Berdasarkan hubungan a. Based on relationship
2013 2012


Rupiah Rupiah
Intervensi Bank Indonesia 1.668.243 6.480.792 Bank Indonesia Intervention
Call Money 840.000 1.315.000 Call Money
Deposito berjangka 41.010 210.253 Time Deposits
Tabungan 4.047 7.805 Savings
Lainnya 76.037 - Others
Total 2.629.337 8.013.850 Total

penurunan nilai (352) (2.111) for impairment losses
Neto 2.628.985 8.011.739 Net
b. Berdasarkan sisa umur hingga jatuh tempo b. By remaining period until maturity
2013 2012
1 bulan 2.568.165 7.475.935 1 month

> 1 bulan 3 bulan 42.120 244.425 > 1 month 3 months
> 3 bulan 6 bulan 19.052 293.490 > 3 months 6 months
Total 2.629.337 8.013.850 Total

Cadangan kerugian
penurunan nilai (352) (2.111) Allowance for impairment losses
Neto 2.628.985 8.011.739 Net
472 74

BANK LAIN (lanjutan) OTHER BANKS (continued)
c. Berdasarkan jenis dan mata uang c. By type and currency
2013 2012
Rupiah Rupiah
Intervensi Bank Indonesia 1.668.243 6.480.792 Bank Indonesia Intervention
Introduction
Call money 840.000 1.315.000 Call money
Deposito berjangka 41.010 210.253 Time deposits
Total 2.629.337 8.013.850 Total

Performance
Neto 2.628.985 8.011.739 Net
Penempatan pada Bank Indonesia dan bank Placements with Bank Indonesia and other
lain pada tanggal 31 Desember 2013 dan 2012 Banks as of December 31, 2013 and 2012 has
memiliki jatuh kurang dari 6 bulan. a maturity period of less than 6 (six) months.
Good Corporate
Governance
d. Berdasarkan jenis dan nama bank d. By type and counterparty bank
2013 2012
Rupiah Rupiah
Intervensi Bank Indonesia Bank Indonesia Intervension
Bank Indonesia 1.668.243 6.480.792 Bank Indonesia
Call Money Call Money
Corporate Social
Responsibility
PT BPD Kalimantan Timur 200.000 - PT BPD Kalimantan Timur
PT BPD Riau 100.000 150.000 PT BPD Riau
PT BPD Jawa Tengah 100.000 - PT BPD Jawa Tengah
PT BPD Sumatera Utara 100.000 50.000 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 50.000 PT BPD Sulawesi Utara
PT BPD Kalimantan Selatan 50.000 - PT BPD Kalimantan Selatan
PT BPD DKI Jakarta 40.000 - PT BPD DKI Jakarta
Consolidated
PT BPD Lampung 30.000 - PT BPD Lampung
PT BPD Bengkulu 20.000 - PT BPD Bengkulu
PT Bank Buana Indonesia Tbk - 300.000 PT Bank Buana Indonesia Tbk
PT Bank Pan Indonesia Tbk - 200.000 PT Bank Pan Indonesia Tbk
PT Bank Bukopin Tbk - 200.000 PT Bank Bukopin Tbk
PT Bank Mega Tbk - 150.000 PT Bank Mega Tbk
PT Bank Standard Chartered - 100.000 PT Bank Standard Chartered
PT BPD Nagari - 75.000 PT BPD Nagari
Corporate Data
Call Money Call Money

PT BPD Sulawesi Tenggara - 25.000 PT BPD Sulawesi Tenggara
PT BPD Sulawesi Tengah - 15.000 PT BPD Sulawesi Tengah
840.000 1.315.000
Deposito berjangka Time deposits
PT Bank OCBC NISP Tbk 25.000 15.000 PT Bank OCBC NISP Tbk
PT BPD Sumatera Selatan 8.000 - PT BPD Sumatera Selatan
PT Bank Andara 3.300 2.300 PT Bank Andara
PT Bank CIMB Niaga Tbk 2.729 66.703 PT Bank CIMB Niaga Tbk
PT Bank Saudara 1.000 - PT Bank Saudara
PT BPRS Mentari 400 700 PT BPRS Mentari
PT Bank Muamalat Indonesia Tbk 475 105.000 PT Bank Muamalat Indonesia Tbk
(Persero) Tbk 106 100 (Persero) Tbk
75 473

d. Berdasarkan jenis dan nama bank d. By type and counterparty bank (continued)
(lanjutan)
2013 2012
Deposito berjangka (lanjutan) Time deposits (continued)

PT Bank Mandiri (Persero) Tbk - - PT Bank Mandiri (Persero) Tbk
PT Bank BRI Syariah - 10.000 PT Bank BRI Syariah
PT Bank Negara Indonesia Syariah - 10.000 PT Bank Negara Indonesia Syariah
PT BPRS PNM Al Ma’soem - 200 PT BPRS PNM Al Ma’soem
PT BPR Rizky Barokah - 150 PT BPR Rizky Barokah
PT BPR Syariah - 100 PT BPR Syariah
41.010 210.253
Tabungan Savings
PT Bank Pan Indonesia Tbk 408 1.251 PT Bank Pan Indonesia Tbk
PT Bank BRI (Persero) Tbk 250 235 PT Bank BRI (Persero) Tbk
PT Bank Muamalat Indonesia Tbk 150 3.014 PT Bank Muamalat Indonesia Tbk
PT BPR Karyajatnika Sadaya 21 14 PT BPR Karyajatnika Sadaya
PT BPR Talegong - 5 PT BPR Talegong
4.047 7.805
Total Rupiah 2.629.337 8.013.850 Total Rupiah

Neto 2.628.985 8.011.739 Net
Dalam penempatan pada Bank Indonesia dan As of December 31, 2013 and 2012,
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 Rp706.400 dan banking principles with carrying amounts of
Rp974.900 masing-masing pada tanggal Rp706,400 and Rp974,900, respectively.
e. Tingkat suku bunga rata-rata per tahun e. Average interest rates per annum
2013 2012

Dolar Amerika Serikat 0,00% 0,35% United States Dollar
f. Perubahan cadangan kerugian penurunan f. Movements in the allowance for

2013 2012
Saldo awal 2.111 1.650 Beginning balance

Tambahan penyisihan Additional
karena transaksi akuisisi allowance due to subsidiaries’
entitas anak - 117 acquisition transaction
Penyisihan (pembalikan)
selama tahun berjalan (1.759) 344 Provision (reversal) during the year
Saldo akhir 352 2.111 Ending balance
474 76


nilai (lanjutan) impairment losses (continued)
Pada tanggal 31 Desember 2013 dan 2012 As of December 31, 2013 and 2012 all
seluruh penempatan pada Bank Indonesia dan placements with Bank Indonesia and other
bank lain tidak mengalami penurunan nilai. banks were not impaired.
Introduction
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
Performance
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 48. banks are disclosed in Note 48.
Good Corporate
Governance
8. TAGIHAN DAN LIABILITAS DERIVATIF 8. DERIVATIVES RECEIVABLE AND PAYABLE
a. Berdasarkan mata uang dan jenis a. Based on currency and type

31 Desember/December 31, 2013
Tagihan Liabilitas
Corporate Social
Jumlah nosional derivatif derivatif
Responsibility
mata uang asing/ ekuivalen ekuivalen
Notional amount Rupiah/ Notional amount
in foreign Derivatives in foreign
currencies Receivable currencies
(angka penuh/ Equivalent (angka penuh/
Instrumen full amount) Rupiah full amount) Instrument
Spot - Beli Spot - Buy
Dolar Amerika Serikat 7.395 - 90 United Stated Dollar
Consolidated
Total - 90 Total
b. Berdasarkan hubungan b. Based on relationship
2013 2012
Corporate Data
Liabilitas derivatif Derivatives payable

Pihak ketiga 90 - Third parties
77 475

9. SURAT BERHARGA 9. MARKETABLE SECURITIES
a. Berdasarkan jenis dan mata uang a. By type and currency
2013 2012
Dimiliki hingga jatuh tempo Held-to-maturity

Rupiah Rupiah
Obligasi 3.733.635 2.394.576 Bonds
Sukuk 9.854 19.854 Sukuk
Premium (diskonto)
yang belum diamortisasi (1.426) 66.405 Unamortized premium (discount)
3.742.063 2.480.835
Sertifikat Bank Indonesia 3.488.333 1.155.000 Certificates of Bank Indonesia

Sertifikat Deposito Bank Indonesia 2.500.000 - Deposit Certificates of Bank Indonesia
Diskonto yang
belum diamortisasi (136.839) (14.425) Unamortized discounts
5.851.494 1.140.575
Total 9.593.557 3.621.410 Total
Nilai wajar melalui laba rugi Fair value through profit or loss

Rupiah Rupiah
Reksadana 416.992 49.907 Mutual funds
Obligasi 281.261 471.675 Bonds
698.253 521.582
Neto 10.291.810 4.142.992 Net
b. Berdasarkan penerbit b. By issuer
2013 2012
Bank Indonesia 5.988.333 1.155.000 Bank Indonesia

Diskonto yang
belum diamortisasi (136.839) (14.425) Unamortized discount
5.851.494 1.140.575
Perusahaan non-bank Non-bank companies

PT BNI Asset Management 289.095 269.948 PT BNI Asset Management
PT GAP Capital 77.237 49.907 PT GAP Capital
PT Perum Pegadaian (Persero) Tbk 58.000 10.000 PT Perum Pegadaian (Persero) Tbk
PT Mandiri Manajemen Investasi 50.660 - PT Mandiri Manajemen Investasi
Lembaga Pembiayaan Ekspor Indonesia 50.000 50.000 Lembaga Pembiayaan Ekspor Indonesia
PT Jasa Marga (Persero) Tbk 35.000 - PT Jasa Marga (Persero) Tbk
PT Indosat Tbk 25.000 25.000 PT Indosat Tbk
Sektor Swasta 17.000 - Private sector
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 PLN (Persero) 7.000 - PT PLN (Persero)
643.992 439.855
476 78

9. SURAT BERHARGA (lanjutan) 9. MARKETABLE SECURITIES (continued)
b. Berdasarkan penerbit (lanjutan) b. By issuer (continued)
2013 2012
Bank Banks
PT Bank OCBC NISP Tbk 80.000 - PT Bank OCBC NISP Tbk
Introduction
PT Bank Pan Indonesia Tbk 45.000 19.000 PT Bank Pan Indonesia Tbk
PT BPD Sumatera Barat 40.000 40.000 PT BPD Sumatera Barat
PT Bank Tabungan Pensiunan PT Bank Tabungan Pensiunan
Nasional Tbk 35.000 20.000 Nasional Tbk
PT BPD Lampung 30.000 30.000 PT BPD Lampung
PT Bank Permata Tbk 30.000 - PT Bank Permata Tbk
PT Bank Internasional PT Bank Internasional

Indonesia Tbk 25.000 - Indonesia Tbk
Performance
PT BPD DKI 24.000 47.000 PT BPD DKI
PT Bank Danamon Indonesia Tbk 20.000 25.000 PT Bank Danamon Indonesia Tbk
PT BPD Sulawesi Utara 20.000 5.000 PT BPD Sulawesi Utara
PT BPD NTT 15.000 15.000 PT BPD NTT
PT BPD Sumatera Utara 15.000 15.000 PT BPD Sumatera Utara
PT BPD Riau 12.000 12.000 PT BPD Riau
PT BPD Sulawesi Selatan 10.000 10.000 PT BPD Sulawesi Selatan
PT BPD Aceh - 50.000 PT BPD Aceh
Good Corporate
PT BPD Maluku - 15.000 PT BPD Maluku
Governance
451.000 328.000
Premium yang
belum diamortisasi 1.247 3.907 Unamortized premium
452.247 331.907
Pemerintah 3.346.750 2.168.157 Government
Corporate Social
Responsibility
Premium (diskonto)
yang belum diamortisasi (2.673) 62.498 Unamortized premium (discount)
3.344.077 2.230.655
Total 10.291.810 4.142.992 Total
Consolidated
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, 2013
tanggal-tanggal 31 Desember 2013 dan 2012 and 2012 are as follows:
2013 2012
Corporate Data
PT Bank Danamon Indonesia Tbk AA+ 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+ 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- A- PT BPD NTT
PT BPD Riau A A PT BPD Riau
Lembaga Pembiayaan Ekspor Indonesia AAA 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 AA- AA PT Aneka Tambang (Persero) Tbk
PT Indosat Tbk AA+ AA+ PT Indosat Tbk
79 477

b. Berdasarkan penerbit (lanjutan) b. By issuer (continued)
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, 2013
tanggal-tanggal 31 Desember 2013 dan 2012 and 2012 are as follows:
2013 2012
PT Bank Tabungan Pensiunan PT Bank Tabungan Pensiunan

Nasional Tbk AA- AA- Nasional Tbk
PT Permodalan Nasional PT Permodalan Nasional
Madani (Persero) A A Madani (Persero)
PT Bank OCBC NISP Tbk AAA - PT Bank OCBC NISP Tbk
PT Bank Internasional Indonesia Tbk AAA - PT Bank Internasional Indonesia Tbk
PT Bank Permata Tbk AA+ - PT Bank Permata Tbk
PT PLN (Persero) AAA - PT PLN (Persero)
PT Jasa Marga (Persero) Tbk AA - PT Jasa Marga (Persero) Tbk
PT BPD Aceh - A- PT BPD Aceh
PT BPD Maluku - A PT BPD Maluku
PT Bank Tabungan Negara (Persero) Tbk - AA- PT Bank Tabungan Negara (Persero) Tbk
c. Berdasarkan jatuh tempo c. By maturity

2013 2012
Rupiah Rupiah
Kurang dari 1 tahun 8.845.305 3.135.863 Less than 1 year
1 - 5 tahun 1.169.113 729.701 1 - 5 years
Lebih dari 5 - 10 tahun 45.000 80.898 More than 5 - 10 years
Lebih dari 10 - 15 tahun 232.392 196.530 More than 10 - 15 years
Total 10.291.810 4.142.992 Total
d. Berdasarkan efek pemerintah dan bukan d. By government and non-government

pemerintah securities
2013 2012
Pemerintah Government
Surat Utang Negara 1.238.383 1.214.530 Government Bonds
Sertifikat Bank Indonesia 3.488.333 1.155.000 Certificates of Bank Indonesia
Sertifikat Deposito Bank Indonesia 2.500.000 - Deposit Certificates of Bank Indonesia
Obligasi Ritel Indonesia 806.634 734.962 Indonesia Ritel Bonds
Surat Perbendaharaan Negara 1.169.984 198.811 Government Treasury Bills
Surat Berharga Syariah Negara 4.854 14.854 Sharia Government Securities
Sukuk 126.895 5.000 Sukuk
9.335.083 3.323.157
Premium (diskonto) yang
belum diamortisasi (139.512) 48.073 Unamortized premium (discount)
9.195.571 3.371.230
478 80

d. Berdasarkan efek pemerintah dan bukan d. By government and non-government

pemerintah (lanjutan) securities (continued)
2013 2012
Bukan pemerintah Non-government
Introduction
Obligasi 678.000 448.000 Bonds
Reksadana 416.992 319.855 Mutual funds
Premium yang
belum diamortisasi 1.247 3.907 Unamortized premium
1.096.239 771.762
Total 10.291.810 4.142.992 Total
Performance
e. Tingkat suku bunga rata-rata per tahun e. Average interest rates per annum
2013 2012
Good Corporate
Governance
Manajemen berpendapat bahwa cadangan Management believes that the allowance for
kerugian penurunan nilai tidak diperlukan impairment losses is not necessary because
karena pada tanggal 31 Desember 2013 dan as of December 31, 2013 and 2012,
2012, surat berharga tidak mengalami marketable securities are not impaired.
Corporate Social
Responsibility
penurunan nilai.
g. Bank mengakui kerugian dari penyertaan unit g. The Bank recognized a net loss at fair value
untuk nilai wajar melalui laporan laba rugi through profit or loss amounting to Rp56,585
sebesar Rp56.585 dan Rp716 untuk tahun and Rp716 for the years ended December 31,
yang berakhir pada tanggal 31 Desember 2013 2013 and 2012 which is presented in the
consolidated statements of comprehensive
dan 2012 yang disajikan dalam akun “Kerugian
Consolidated
yang belum direalisasi atas perubahan nilai income as “Unrealized loss on changes in fair
wajar surat berharga” di laporan laba rugi value of marketable securities”.
komprehensif konsolidasian.
Corporate Data
81 479

10. EFEK-EFEK YANG DIBELI DENGAN JANJI 10. MARKETABLE SECURITIES PURCHASED
DIJUAL KEMBALI UNDER AGREEMENTS TO RESELL
Pada tanggal 31 Desember 2013, tidak terdapat As of December 31, 2013, there is no transaction of
transaksi efek-efek yang dibeli dengan janji dijual marketable securities purchased under agreements
kembali. to resell.
Efek-efek yang dibeli dengan janji dijual kembali Marketable securities purchased under agreements
pada tanggal 31 Desember 2012 terdiri dari: to resell as of December 31, 2012 are as follows:
Pendapatan
Bunga yang
Tanggal Belum
Jual Nilai Nilai Jual Diamortisasi/ Nilai
Jangka Kembali/ Nominal/ Kembali/ Unamortized Tercatat/
Waktu/ Resell Nominal Resell Interest Carrying
Counterparties Period Date Amount Amount Income Value
Bank Indonesia
Surat Utang Negara/
Goverment Bonds
- SUN FR 40 53 hari/days 25/01/2013 399.836 586.477 1.785 584.692
- SUN FR 42 95 hari/days 19/03/2013 245.000 339.750 3.350 336.400
- SUN FR 42 97 hari/days 28/03/2013 892.204 1.238.762 13.590 1.225.172
- SUN FR 43 32 hari/days 29/01/2013 500.000 663.716 2.374 661.342
- SUN FR 45 88 hari/days 15/01/2013 150.000 200.149 376 199.773
- SUN FR 45 91 hari/days 01/02/2013 466.000 629.397 2.518 626.879
- SUN FR 47 100 hari/days 15/03/2013 100.000 136.398 1.287 135.111
- SUN FR 54 95 hari/days 05/03/2013 600.000 800.050 6.475 793.575
- SUN FR 54 97 hari/days 26/03/2013 200.000 268.466 2.876 265.590
- SUN FR 56 91 hari/days 08/03/2013 268.000 329.633 2.746 326.887
- SUN FR 56 101 hari/days 15/03/2013 375.000 446.889 4.253 442.636
- SUN FR 56 98 hari/days 19/03/2013 260.000 308.413 3.105 305.308
- SUN FR 57 100 hari/days 15/03/2013 150.000 207.679 1.909 205.770
- SUN FR 57 97 hari/days 26/03/2013 200.000 277.738 2.952 274.786
- SUN FR 58 29 hari/days 25/01/2013 270.000 322.766 974 321.792
- SUN FR 58 90 hari/days 29/01/2013 750.000 869.641 3.193 866.448
- SUN FR 58 96 hari/days 19/03/2013 442.558 531.730 5.180 526.550
- SUN FR 58 97 hari/days 28/03/2013 127.796 154.275 1.679 152.596
- SUN FR 59 69 hari/days 26/02/2013 500.000 542.719 3.791 538.928
- SUN FR 59 95 hari/days 15/03/2013 200.000 216.641 1.997 214.644
- SUN FR 61 29 hari/days 25/01/2013 230.000 254.889 769 254.120
- SUN FR 64 96 hari/days 19/03/2013 107.442 107.869 1.050 106.819
- SUN FR 64 97 hari/days 28/03/2013 30.000 30.460 331 30.129
- SUN FR 65 91 hari/days 01/02/2013 956.000 952.790 3.810 948.980
Surat
Perbendaharaan
Negara/
Goverment Treasury
Bills
- SPN12130704 53 hari/days 25/01/2013 100.164 94.634 288 94.346
- SPN12130704 60 hari/days 19/02/2013 296.200 281.260 1.718 279.542
- SPN12130812 60 hari/days 19/02/2013 703.800 664.953 4.061 660.892
Bank Panin
- SUN FR 54 31 hari/days 07/01/2013 150.000 187.716 162 187.554
9.670.000 11.645.860 78.599 11.567.261
Pada tanggal 31 Desember 2012, efek-efek yang As of December 31, 2012, marketable securities
dibeli dengan janji dijual kembali tidak mengalami purchased under agreements to resell are not
penurunan nilai. impaired.
Informasi mengenai tingkat suku bunga efek-efek Information regarding the interest rate of marketable
yang dibeli dengan janji dijual kembali diungkapkan securities purchased under agreements to resell is
pada Catatan 49. disclosed in Note 49.
480 82

11. WESEL EKSPOR DAN TAGIHAN LAINNYA 11. BILLS AND OTHER RECEIVABLES
a. Berdasarkan jenis, mata uang dan a. By type, currency and relationship

hubungan
2013 2012

Rupiah Rupiah
Introduction
Surat Keterangan Berdokumen Domestic Documentary
Dalam Negeri (SKBDN) 21.153 1.378 Letters of Credit

Wesel Ekspor 23.568 16.926 LC Export
Surat Keterangan Berdokumen Domestic Documentary
Dalam Negeri (SKBDN) - 49.096 Letters of Credit
Performance
Total 44.721 67.400 Total
Perincian wesel ekspor dan tagihan lainnya Bills and other receivables based on
berdasarkan mata uang adalah sebagai berikut: currencies are as follows:
2013 2012
Good Corporate
Governance
Corporate Social
Responsibility

Yuan Cina - 10.933.112 16.926 Chinese Yuan
Total 44.721 67.400
Consolidated
b. Berdasarkan kolektibilitas b. By collectibility
Seluruh wesel ekspor dan tagihan lainnya All of bills and other receivables as of
diklasifikasikan lancar pada tanggal-tanggal December 31, 2013 and 2012 are classified as
31 Desember 2013 dan 2012. current.
Corporate Data
83 481

11. WESEL EKSPOR DAN TAGIHAN LAINNYA 11. BILLS AND OTHER RECEIVABLES (continued)
(lanjutan)
c. Tingkat suku bunga per tahun c. Annual interest rates

Dolar
Amerika Serikat/
United States Yuan China/
Rupiah/Rupiah Dollar Chinese Yuan
% % %
2013 3,25% 11,40% - 2013

2012 8,76% 3,50% 3,25% 2012
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.
12. KREDIT YANG DIBERIKAN 12. LOANS
a. Berdasarkan jenis, mata uang dan a. By type, currency and collectibility

kolektibilitas
2013 2012

Pihak-pihak berelasi Related parties
Rupiah Rupiah
Modal kerja 664.344 114.431 Working capital
Sindikasi 210.978 - Syndicated
Konsumsi 32.003 18.605 Consumer
Investasi 17.864 36.990 Investment
Program pemerintah 1.081 610 Government programs
Karyawan 265 21.453 Employees
926.535 192.089
Modal kerja 246.001 2.994 381.987 3.681 Working capital
929.529 195.770
Rupiah Rupiah
Konsumsi 32.029.181 24.129.814 Consumer
Modal kerja 8.342.322 8.218.447 Working capital
Investasi 1.743.665 1.047.392 Investment
Sindikasi 824.906 766.947 Syndicated
Program pemerintah 809.329 438.769 Government programs
Karyawan 390.003 330.418 Employees
44.139.406 34.931.787
482 84

12. KREDIT YANG DIBERIKAN (lanjutan) 12. LOANS (continued)
a. Berdasarkan jenis, mata uang dan a. By type, currency and collectibility

kolektibilitas (lanjutan) (continued)
2013 2012
Introduction
In foreign Ekuivalen in foreign Ekuivalen
Modal kerja 18.055.825 219.739 25.047.694 241.397 Working capital
Investasi 1.635.654 19.906 564.089 5.436 Investment
Performance
44.379.051 35.178.620
Total 45.308.580 35.374.390 Total

penurunan nilai (1.019.520) (605.667) for impairment losses
Neto 44.289.060 34.768.723 Net
Good Corporate
Rincian kredit yang diberikan berdasarkan Loans based on collectibility are as follow:
Governance
kolektibilitas adalah sebagai berikut:
2013 2012
Pokok/ Cadangan/ Pokok/ Cadangan/

Principal Allowance Principal Allowance
Individual 604.246 487.529 5.420.906 343.111 Individual
Corporate Social
Responsibility
Kolektif Collective
Lancar 42.327.228 10.449 28.775.929 7.779 Current
Dalam perhatian khusus 1.593.911 2.907 798.528 13.379 Special mention
Kurang lancar 157.304 19.206 69.208 11.920 Substandard
Diragukan 165.482 42.493 104.233 26.195 Doubtful
Macet 460.409 456.936 205.586 203.283 Loss
Total 45.308.580 1.019.520 35.374.390 605.667 Total
Consolidated
b. Berdasarkan sektor ekonomi b. By economic sector
2013 2012
Perdagangan 4.717.611 4.321.224 Trading

Jasa-jasa dunia usaha 2.655.031 2.484.038 Business services
Konstruksi 1.933.505 1.550.108 Construction
Corporate Data
Industri 1.292.551 971.387 Industry

Pertanian 1.013.849 372.723 Agriculture
Listrik,gas, dan air 301.569 48.372 Electricity,gas, and water
Pengangkutan dan pergudangan 247.898 328.088 Transportation and warehousing
Jasa-jasa sosial 237.025 366.012 Social services
Pertambangan 100.328 544.391 Mining
Lain-lain 32.809.213 24.388.047 Others
Total 45.308.580 35.374.390 Total

Neto 44.289.060 34.768.723 Net
85 483


b. Berdasarkan sektor ekonomi (lanjutan) b. By economic sector (continued)
Rincian kredit yang diberikan kepada sektor The details of loans granted to “Others” are as
ekonomi “Lain-lain” adalah sebagai berikut: follows:
2013 2012
Guna Bhakti 25.542.459 21.004.011 Guna Bhakti

Purna Bhakti 922.131 660.901 Purna Bhakti
Graha Bhakti 5.179 14.390 Graha Bhakti
Lain-lain 6.339.444 2.708.745 Others
Total 32.809.213 24.388.047 Total
• Kredit Guna Bhakti merupakan • Guna Bhakti loan is a loan facility

Pembiayaan yang diberikan oleh Bank granted to employees who have
untuk debitur berpenghasilan tetap yang permanent income for consumer
gajinya telah disalurkan melalui Bank purposes, whose salary has been
dan/atau tempat debitur bekerja telah channeled through the Bank and/or
memiliki perjanjian kerjasama dengan where the debtor works have had a
Bank dimana sumber pengembaliannya cooperation agreement with the Bank
berasal dari gaji debitur yang digunakan whereby returns are derived from
untuk keperluan konsumtif. sources that are used salary debtor
for consumptive purposes.
• Kredit Purna Bhakti merupakan • The Purna Bhakti loan is financing

pembiayaan yang diberikan oleh Bank provided by the Bank to the debtor
untuk debitur dengan status pensiunan himself retired status or retired
sendiri atau pensiunan janda/duda yang widow/widower pension salary has
gaji pensiunnya telah disalurkan melalui been channeled through the Bank
Bank dimana sumber pengembaliannya where the source of repayment from
berasal dari gaji pensiun debitur yang the debtor's salary pensions used for
digunakan untuk keperluan konsumtif. consumptive purposes.
• Kredit Graha Bhakti merupakan fasilitas • The Graha Bhakti loan is a loan
kredit yang diberikan kepada para Pegawai facility granted to civil servants who
Negeri Sipil berpenghasilan tetap untuk have permanent income for the
keperluan pembangunan atau renovasi purpose of housing construction or
rumah. renovation.
• Pembayaran kredit tersebut di atas • Loan repayments are mostly

sebagian besar dilakukan melalui collected through monthly salary
pemotongan gaji bulanan oleh Bank. deduction by the Bank.
484 86

c. Berdasarkan periode sisa jatuh tempo c. By remaining period to maturity
2013 2012

Introduction
Rupiah Rupiah
Kurang dari
sama dengan 1 tahun 25.762.059 3.551.439 Less than equal to 1 year
Lebih dari 1 - 5 tahun 18.834.106 12.821.492 More than 1 - 5 years
Lebih dari 5 - 10 tahun 15.056 14.414.472 More than 5 - 10 years
Performance
Lebih dari 10 tahun 454.720 4.336.472 More than 10 years
45.065.941 35.123.875

Kurang dari
sama dengan 1 tahun 14.451.889 175.879 14.995.886 144.523 Less than equal to 1 year
1 - 5 tahun 5.485.591 66.760 10.997.884 105.992 1 - 5 years
242.639 250.515
Good Corporate
Governance
Total 45.308.580 35.374.390 Total
Neto 44.289.060 34.768.723 Net
d. Berdasarkan jangka waktu perjanjian kredit d. By term of credit agreements
Corporate Social
Responsibility
2013 2012

Consolidated
Rupiah Rupiah
Kurang dari
sama dengan 1 tahun 986.191 1.086.271 Less than equal to 1 year
Lebih dari 5 - 10 tahun 31.046 17.052.669 More than 5 - 10 years
Lebih dari 10 tahun 30.347.383 4.392.295 More than 10 years
45.065.941 35.123.875

Corporate Data
Kurang dari
sama dengan 1 tahun 843.043 10.260 55.436 534 Less than equal to 1 year
Lebih dari 1 - 5 tahun 19.094.437 232.379 25.938.334 249.981 More than 1 - 5 years
Lebih dari 5 - 10 tahun - - More than 5 - 10 years
242.639 250.515
Total 45.308.580 35.374.390 Total

Neto 44.289.060 34.768.723 Net
87 485

e. Kisaran suku bunga e. Range of loan interest rates

2013 2012
Rupiah 3,00% - 27,54% 3,00% - 31,14% Rupiah

Dolar Amerika Serikat 6,00% - 8,00% 7,00% - 14,00% United States Dollar
f. Ikhtisar kredit non-performing f. Non-performing loans by economic sector

berdasarkan sektor ekonomi
2013 2012
Cadangan Cadangan
kerugian kerugian
Kredit penurunan Kredit penurunan
non-performing nilai/ non-performing nilai/
/Non - Allowance /Non - Allowance
performing for impairment performing for impairment
loans losses loans losses
Rupiah Rupiah
Perdagangan 567.881 414.233 226.863 131.829 Trading
Jasa dunia usaha 197.495 136.284 126.641 81.357 Business services
Pertanian 127.737 110.746 32.102 24.795 Agriculture
Industri 123.169 105.526 121.346 114.466 Industry
Konstruksi 83.445 78.007 59.579 56.377 Construction
Jasa-jasa sosial 16.953 15.093 10.086 7.527 Social services
Pengangkutan dan Transportation and
pergudangan 7.334 6.816 1.261 1.122 warehousing
Pertambangan 5.520 5.398 77.350 77.237 Mining
Listrik, gas dan air 137 26 2 2 Electricity, gas and water
Lain-lain 152.782 118.276 77.201 62.303 Others
Total 1.282.453 990.405 732.431 557.015 Total
Rasio kredit non-performing - kotor terhadap Non-performing loans - gross to total loan
total kredit (entitas induk) adalah 2,83% dan ratios (parent only) are 2.83% and 2.07% as
2,07% masing-masing untuk 31 Desember of December 31, 2013 and 2012, respectively.
2013 dan 2012.
Rasio kredit non-performing - bersih terhadap Non-performing loans - net to total loan ratios
total kredit (entitas induk) adalah 0,64% dan (parent only) are 0.64% and 0.50% as of
0,50% masing-masing untuk 31 Desember December 31, 2013 and 2012, respectively.
2013 dan 2012.
Rasio kredit dan pembiayaan syariah non- Non-performing loans and sharia financing -
performing - kotor terhadap total kredit dan gross to total loan and sharia financing
pembiayaan syariah (konsolidasi) adalah 2,76% (consolidated) are 2.76% and 2.22% as of
dan 2,22% masing-masing untuk 31 Desember December 31, 2013 and 2012, respectively.
2013 dan 2012.
Rasio kredit dan pembiayaan syariah non- Non-performing loans and sharia financing
performing - bersih terhadap total kredit dan ratio - net to total loan and sharia financing
pembiayaan syariah (konsolidasi) adalah 0,68% (consolidated) 0.68% and 0.62% as of
dan 0,62% masing-masing untuk 31 Desember December 31, 2013 and 2012, respectively.
2013 dan 2012.
486 88

f. Ikhtisar kredit non-performing f. Non-performing loans by economic sector

berdasarkan sektor ekonomi (lanjutan) (continued)
Rasio kredit dan pembiayaan syariah non- Non-performing loans and sharia financing
performing - bersih terhadap total aset ratio - net to total financial assets
keuangan (konsolidasi) adalah 0,51% dan (consolidated) are 0,51% and 0.34% as of
Introduction
0,34% masing-masing untuk 31 Desember December 31, 2013 and 2012, respectively.
2013 dan 2012.
Pada tanggal 31 Desember 2013 dan 2012, As of December 31, 2013 and 2012, 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 69.66% and
Performance
penurunan nilai aset keuangan sesuai 52.01%, respectively.
ketentuan Bank Indonesia masing-masing
sebesar 69,66% dan 52,01%
g. Kredit yang direstrukturisasi g. Restructured loans
Kredit yang direstrukturisasi pada tanggal- Restructured loans as of December 31, 2013
Good Corporate
Governance
tanggal 31 Desember 2013 dan 2012 and 2012 is amounting to Rp173,455 and
masing-masing sebesar Rp173.455 dan Rp208,630, respectively. Details of the
Rp208.630. Rincian kredit yang restructured loans are as follows:
direstrukturisasi adalah sebagai berikut:
2013 2012
Corporate Social
Perpanjangan jangka waktu Extension of loan period
Responsibility
dan penurunan bunga 163.674 171.630 and interest rate reduction
Perpanjangan jangka waktu
kredit 9.548 35.929 Extension of loan period
Tambahan fasilitas 226 978 Additional loan commitments
Perpanjangan jangka waktu Extension of loan period
dan skema lain 7 93 and other schemes
Total 173.455 208.630 Total
Consolidated
Rincian kredit yang direstrukturisasi Restructured loans by collectibility and
berdasarkan kolektibilitas dan sektor ekonomi economic sector are as follow:
2013
Dalam
Corporate Data
perhatian
khusus/ Kurang
Lancar/ Special lancar/ Diragukan/ Macet/
Current mention Substandard Doutbful Loss Total
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
Total 9.241 95.653 210 9.014 59.337 173.455 Total
89 487

g. Kredit yang direstrukturisasi (lanjutan) g. Restructured loans (continued)
2012
Dalam
perhatian
khusus/ Kurang
Lancar/ Special lancar/ Diragukan/ Macet/
Current mention Substandard Doutbful Loss Total
Konstruksi - 95.253 - - 23.178 118.431 Construction

Industri 17 - - - 58.979 58.996 Industry
Jasa-jasa dunia usaha - 11.439 - - - 11.439 Business services
Perdagangan 7.682 479 - - 88 8.249 Trading
Pertambangan 5.399 - - - - 5.399 Mining
Listrik, gas dan air - 5.076 - - - 5.076 Electricity, gas and water
Jasa-jasa sosial 232 - - - - 232 Social services
Lain-lain 32 776 - - - 808 Other
Total 13.362 113.023 - - 82.245 208.630 Total
h. Perubahan cadangan kerugian penurunan h. Movements in the allowance for

2013 2012

Penyisihan selama tahun berjalan 544.051 361.327 Provision during the year
Tambahan penyisihan Additional allowance
karena transaksi akuisisi due to subsidiaries
entitas anak - 3.428 acquisition transaction
Penghapusbukuan selama
tahun berjalan (130.198) (266.988) Write-offs during the year
Saldo akhir 1.019.520 605.667 Ending balance
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.
i. Informasi pokok lainnya sehubungan i. Other significant information relating to

dengan kredit yang diberikan loans
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.
488 90


dengan kredit yang diberikan (lanjutan) loans (continued)
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.
Introduction
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
Kecil dan Mikro. Saldo kredit program and Micro Business Loans. The
yang disalurkan dengan sistem outstanding balances of loans distributed
channeling pada tanggal 31 Desember through the channeling system as of
Performance
2013 dan 2012 masing-masing sebesar December 31, 2013 and 2012 is
Rp271.586 dan Rp273.447. amounting to Rp271,586 and Rp273,447,
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
Good Corporate
Governance
keperluan lainnya dengan tingkat bunga terms of 1 to 20 years. The loans and
sebesar 6,5% dan jangka waktu antara 1 interest payments are collected through
sampai 20 tahun. Pinjaman dan monthly payroll deduction.
bunganya dilunasi melalui pemotongan
gaji setiap bulan.
Corporate Social
5) Pada tanggal 31 Desember 2013 dan 5) As of December 31, 2013 and 2012, the
Responsibility
2012, 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 11,20% dan 29,98% 11.20% and 29.98% as of December 31,
masing-masing untuk tanggal 2013 and 2012, respectively.
31 Desember 2013 dan 2012. Consolidated
7) Keikutsertaan Bank dalam pinjaman 7) The Bank’s participation in syndicated

sindikasi dengan bank lain adalah loans with other banks amounted to
sebesar Rp1.035.884 dan Rp766.947 Rp1,035,884 and Rp766,947 as of
masing-masing pada tanggal December 31, 2013 and 2012,
31 Desember 2013 dan 2012. Partisipasi respectively. The Bank’s participation in
Corporate Data
Bank dalam pinjaman sindikasi tersebut syndicated loans ranged between 0.53%-
berkisar antara 0,53%-33,33% dan 33.33% and 6.00%-13.25% as of
6,00%-13,25% masing-masing pada December 31, 2013 and 2012,
tanggal 31 Desember 2013 dan 2012. respectively.
91 489


8) Kredit hapus buku pada tanggal 8) Total loans written off as of

31 Desember 2013 dan 2012 masing- December 31, 2013 and 2012 is
masing berjumlah Rp271.059 dan amounting to Rp271,059 and Rp355,633,
Rp355.633. 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, 2013
tanggal 31 Desember 2013 dan 2012 and 2012 is amounting to Rp1,888,327
masing-masing sebesar Rp1.888.327 and Rp915,424 , respectively (Note 20d).
dan Rp915.424 (Catatan 20d).
10) Deposito yang diblokir dan dijadikan 10) Time deposits blocked and pledged as
jaminan atas pinjaman yang diberikan loan collateral as of December 31, 2013
pada tanggal 31 Desember 2013 dan and 2012 is amounted to Rp37,406 and
2012 masing-masing sebesar Rp37.406 Rp28,626, respectively (Note 20e).
dan Rp28.626 (Catatan 20e).
11) Untuk tahun yang berakhir pada tanggal- 11) For the years ended December 31, 2013
tanggal 31 Desember 2013 dan 2012, and 2012, 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.
490 92


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
Introduction
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,
Performance
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
Good Corporate
“transferrable clause” pada perjanjian of December 31, 2013, the number of
Governance
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
2013, jumlah debitur yang telah or 100% of the total debtors transferred.
menandatangani addendum perjanjian
kredit yang telah menambahkan
“transferrable clause” adalah sebanyak
Corporate Social
Responsibility
7.055 orang atau sebesar 100% dari total
debitur yang dialihkan.
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
Consolidated
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
Corporate Data
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.
93 491


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. Up to
komitmen pembelian piutang ini adalah December 31, 2013, the total realization
sebesar Rp500.000. Sampai dengan of the loans purchased amounted to
tanggal 31 Desember 2013, jumlah Rp101,305 bilion which consisted of 1,910
realisasi pembelian piutang adalah debtors and the total outstanding amount
sebesar Rp101.305 milyar yang terdiri in the consolidated statements of financial
dari 1.910 debitur dan jumlah yang position as of December 31, 2013
tercatat pada laporan posisi keuangan amounted to Rp61,936 bilion.
konsolidasian pada tanggal 31 Desember
2013 adalah sebesar Rp61.936 milyar.
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.
492 94


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
Introduction
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. After the
waktu disesuaikan dengan jangka waktu purchase of loans, BPD NTT acts as
Performance
kredit setiap debitur maksimal agent, or the party which manages the
10 (sepuluh) tahun sejak tanggal payment from debtors and administers the
pengalihan. Setelah pengalihan kredit debtor’s loan documents based on deed
tersebut, BPD NTT akan bertindak No. 16 dated November 6, 2010 of Sylvia
sebagai agen pengelolaan, atau pihak Gunawan, S.H., M.Kn regarding receivable
yang mengelola pembayaran dari debitur management between Bank and BPD
dan mengadministrasikan dokumen NTT. For the services rendered, BPD NTT
Good Corporate
Governance
kredit debitur sebagaimana tertuang will receive a fee at 23% of every debtor
dalam Akta Notaris Sylvia Gunawan, interest obligation paid by BPD NTT and
S.H., M.Kn., No. 16 tanggal 6 November received by the Bank.
2010 tentang Perjanjian Pengelolaan
Piutang antara Bank dan BPD NTT. Atas
jasa pengelolaan piutang tersebut, BPD
NTT mendapat imbalan sebesar 23%
Corporate Social
Responsibility
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
Consolidated
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
Corporate Data
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.
95 493


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, 2013, the
dengan tanggal 31 Desember 2013, 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 and the total outstanding
2.367 debitur dan jumlah yang amount in the consolidated statements of
tercatat pada laporan posisi financial position as of December 31, 2013
keuangan konsolidasian pada tanggal amounted to Rp133,946.
31 Desember 2013 adalah sebesar
Rp133.946.
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.
494 96

13. PEMBIAYAAN SYARIAH 13. SHARIA FINANCING
Pembiayaan dengan prinsip syariah seluruhnya All sharia financing were granted in rupiah
diberikan dalam mata uang rupiah. currency.
a. Berdasarkan jenis dan kolektibilitas a. By type and collectibility

Dalam perhatian
khusus/ Kurang
Introduction
Lancar/ Special lancar/ Diragukan/ Macet/ Total/
31 Desember 2013 Current mention Substandard Doubtful Loss Total December 31, 2013

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
Performance
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
Neto 3.403.479 86.540 19.174 3.059 19.414 3.531.666 Net
Good Corporate
Governance
Dalam perhatian
khusus/ Kurang

Konsumsi 2.866 - - - - 2.866 Consumer
Corporate Social
Responsibility
Konsumsi 1.405.348 1.226 1.608 249 20.002 1.428.433 Consumer
Investasi 941.807 6.576 1.098 423 2.664 952.568 Investment
Modal kerja 362.620 2.240 909 150 4.356 370.275 Working capital
Sindikasi 83.081 - - 85.958 - 169.039 Syndicated
Karyawan 35.141 - - - - 35.141 Employees
Total 2.830.863 10.042 3.615 86.780 27.022 2.958.322 Total
penurunan nilai (22.126) (439) (363) (40.487) (14.429) (77.844) for impairment losses
Neto 2.808.737 9.603 3.252 46.293 12.593 2.880.478 Net Consolidated
b. Berdasarkan jenis akad b. By type of agreement
2013 2012
Murabahah 2.144.892 1.371.920 Murabahah

Corporate Data
Musyarakah 842.324 859.701 Musyarakah

Mudharabah 436.526 236.138 Mudharabah
Qardh 157.914 470.770 Qardh
Aset yang diperoleh untuk
Ijarah - neto 6.486 13.796 Asset acquired for Ijarah - net
Istishna 5.618 5.997 Istishna
Total 3.593.760 2.958.322 Total

Cadangan kerugian
penurunan nilai (62.094) (77.844) Allowance for impairment losses
Neto 3.531.666 2.880.478 Net
97 495

13. PEMBIAYAAN SYARIAH (lanjutan) 13. SHARIA FINANCING (continued)
c. Berdasarkan sektor ekonomi c. By economic sector

Dalam
perhatian
khusus/ Kurang
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
Neto 3.403.479 86.540 19.174 3.059 19.414 3.531.666 Net
Dalam
perhatian
khusus/ Kurang
Jasa dunia usaha 854.281 1.232 652 - 5.443 861.608 Business services
Perdagangan 320.296 1.331 713 276 8.831 331.447 Trading
Konstruksi 295.590 - - - 5.782 301.372 Constructions
Pengangkutan dan Transportation
pergudangan 148.428 - - 85.958 232 234.618 and warehousing
Jasa-jasa sosial 98.711 1.012 183 123 1.020 101.049 Social services
Industri 95.613 12 370 - 2.993 98.988 Industry
Pertambangan 39.375 179 - - - 39.554 Mining
Electricity, gas and
Listrik, gas dan air 14.858 - - - - 14.858 water
Pertanian 8.794 - 353 - 56 9.203 Agriculture
Lain-lain 954.917 6.276 1.344 423 2.665 965.625 Others
Total 2.830.863 10.042 3.615 86.780 27.022 2.958.322 Total

penurunan nilai (22.126) (439) (363) (40.487) (14.429) (77.844) for impairment losses
Neto 2.808.737 9.603 3.252 46.293 12.593 2.880.478 Net
d. Berdasarkan periode sisa jatuh tempo d. By remaining period to maturity
2013 2012
Rupiah Rupiah
Kurang dari sama dengan 1 tahun 406.239 1.045.714 Less than equal to 1 year
Lebih dari 5 - 10 tahun 1.286.236 468.941 More than 5 - 10 years
Lebih dari 10 tahun 520.871 30.877 More than 10 years
Total 3.593.760 2.958.322 Total

Cadangan Allowance
kerugian penurunan nilai (62.094) (77.844) for impairment losses
Neto 3.531.666 2.880.478 Net
496 98

13. PEMBIAYAAN SYARIAH (lanjutan) 13. SHARIA FINANCING (continued)

e. Kisaran setara marjin dan bagi hasil e. Range of equivalent margin and profit
sharing
2013 2012
Rupiah 6,50% - 10,00% 6,50% - 10,00% Rupiah
Introduction
f. Ikhtisar pembiayaan syariah non- f. Non-performing sharia financing by
performing berdasarkan sektor ekonomi economic sector
2013 2012
Cadangan Cadangan
kerugian kerugian
Pembiayaan penurunan Pembiayaan penurunan

non-performing/ nilai/ non-performing/ nilai/
Non - Allowance Non - Allowance
Performance
performing for impairment performing for impairment
loans losses loans losses
Perdagangan 12.818 4.852 9.820 4.916 Trading

Jasa dunia usaha 10.780 4.080 6.095 2.972 Business services
Konstruksi 21.373 8.090 5.782 3.088 Constructions
Jasa-jasa sosial 771 292 1.326 621 Social services
Pertanian 389 147 409 66 Agriculture
Good Corporate
pergudangan 9.565 3.621 86.190 40.226 warehousing
Governance
Listrik, gas dan air - - - - Electricity, gas and water
Lain-lain 5.856 2.217 4.432 1.755 Others
Total 67.013 25.366 117.417 55.279 Total
Pada tanggal 31 Desember 2013 dan 2012, As of December 31, 2013 and 2012, non-
rasio pembiayaan syariah non-performing - kotor performing sharia financing ratios - gross to
terhadap jumlah pembiayaan syariah masing- total sharia financing are 1.86% and 3.97%,
Corporate Social
Responsibility
masing sebesar 1,86% dan 3,97%. respectively.
Pada tanggal 31 Desember 2013 dan 2012, As of December 31, 2013 and 2012, non-
rasio pembiayaan syariah non-performing - neto performing sharia financing ratios - net to total
terhadap jumlah pembiayaan syariah masing- sharia financing are 1.16% and 2.10%,
masing sebesar 1,16% dan 2,10%. respectively.
g. Perubahan cadangan kerugian penurunan g. Movements in the allowance for
Consolidated
2013 2012

Penyisihan selama tahun berjalan 70.448 43.840 Provision during the year
Penghapusbukuan Write-offs
selama tahun berjalan (87.250) - during the year
Corporate Data
Penerimaan kembali pembiayaan

yang telah dihapus buku 1.052 560 Recovery of loans written-off
Saldo akhir 62.094 77.844 Ending balance
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.
99 497

14. TAGIHAN DAN LIABILITAS AKSEPTASI 14. ACCEPTANCES RECEIVABLE AND PAYABLE
Informasi mengenai jatuh tempo tagihan dan Information with respect to maturities of
liabilitas akseptasi diungkapkan pada Catatan 48. acceptances receivable and payable is disclosed in
Note 48.
2013 2012
Rupiah Rupiah
Debitur non-bank 18.148 18.320 Non-bank debtors
Total Rupiah 18.148 18.320 Total Rupiah

Debitur non-bank 15.087 206.655 Non-bank debtors
Total 33.235 224.975 Total
Perincian tagihan dan liabilitas akseptasi Acceptances receivable and payable based
berdasarkan mata uang adalah sebagai berikut: on currencies are as follows:
2013 2012


Total 33.235 224.975 Total

penurunan nilai - - impairment losses
Neto 33.235 224.975 Net
Bank melakukan penilaian tagihan akseptasi Bank assessed acceptances receivable

secara individual dengan menggunakan bukti individually for impairment using objective
objektif penurunan nilai. evidence of impairment.
Manajemen berpendapat bahwa tidak diperlukan Management believes that no allowance for
adanya cadangan kerugian penurunan nilai atas impairment losses for acceptances receivable
tagihan akseptasi. is required.
Seluruh tagihan akseptasi yang dimiliki tanggal All of acceptances receivable as of December
31 Desember 2013 dan 2012 diklasifikasikan 31, 2013 and 2012 are classified as current.
sebagai lancar.
498 100

15. PENYERTAAN SAHAM 15. INVESTMENTS IN SHARES
a. Penyertaan saham merupakan penyertaan a. Investments in shares represent shares

pada PT Asuransi Bangun Askrida, Bank participation in PT Asuransi Bangun Askrida,
Perkreditan Rakyat (BPR) dan Perusahaan BPR and Subdistrict Credit Institution Local
Daerah Lembaga Perkreditan Kecamatan Companies (“PD-LPK”).
(“PD-LPK”).
Introduction
2013 2012
Persentase Persentase
kepemilikan/ kepemilikan/
Total/ Percentage Total/ Percentage
Total of ownership Total of ownership
Metode biaya Cost method
Performance
BPR BPR
Kabupaten Cianjur 2.816 13% 2.816 13% Cianjur Regency
Kabupaten Bogor 1.590 9% 1.590 9% Bogor Regency
Kabupaten Serang 2.400 7% 2.400 7% Serang 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 Majalengka 423 8% 423 8% Majalengka Regency
Good Corporate
Kabupaten Lebak 405 10% 405 11% Lebak Regency
Governance
Kabupaten Tasikmalaya 600 7% 600 12% Tasikmalaya Regency
Kabupaten Ciamis 300 16% 300 19% Ciamis Regency
Kabupaten Pandeglang 150 8% 150 13% Pandeglang Regency
PT Asuransi PT Asuransi
Bangun Askrida 20.000 10% 20.000 13% Bangun Askrida
Corporate Social
Responsibility
Cadangan Allowance for
kerugian penurunan nilai (7.569) (4.264) impairment losses
Neto 24.415 27.720 Net
Consolidated
Corporate Data
101 499

15. PENYERTAAN SAHAM (lanjutan) 15. INVESTMENTS IN SHARES (continued)
b. Berdasarkan kolektibilitas b. By collectibility
2013 2012
Lancar 24.415 23.830 Current

Kurang lancar 4.038 4.565 Substandard
Diragukan 330 495 Doubtful
Macet 3.201 3.094 Loss

penurunan nilai (7.569) (4.264) for impairment losses
Neto 24.415 27.720 Net
c. Perubahan cadangan kerugian penurunan c. Movements in the allowance for impairment

nilai losses
2013 2012

Penyisihan (pembalikan) selama
tahun berjalan 3.305 (2.100) 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 Askrida, BPR dan PD-LPK untuk tahun shares in Askrida, BPR and PD-LPK for the
yang berakhir pada tanggal-tanggal years ended December 31, 2013 and 2012 is
31 Desember 2013 dan 2012 adalah masing- amounting to Rp6,116 and Rp5,686,
masing sebesar Rp6.116 dan Rp5.686. respectively.
500 102

16. ASET TETAP 16. FIXED ASSETS
Berikut ini adalah aset tetap kepemilikan langsung Following is the direct ownership of fixed assets by
yang dimiliki oleh Bank: the Bank:
2013
31 Desember 31 Desember
2012/ 2013/
December 31, Penambahan/ Pengurangan/ Reklasifikasi/ December 31,
Introduction
2012 Additions Disposals Reclassifications 2013
Biaya perolehan Cost

Tanah 142.080 7.634 - - 149.714 Land
Bangunan 473.515 8.697 - 546 482.758 Buildings
Kendaraan 34.591 1.289 3.806 - 32.074 Vehicles
Perlengkapan 537.268 18.868 628 80.884 636.392 Office equipment
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
Performance
1.306.138 52.991 4.434 - 1.354.695
Akumulasi penyusutan Accumulated depreciation

Bangunan 148.317 23.100 - - 171.417 Buildings
Kendaraan 19.609 719 24 - 20.304 Vehicles
Perlengkapan 403.339 60.670 104 - 463.905 Office equipment
571.265 84.489 128 - 655.626
Nilai buku neto 734.873 699.069 Net book value
Good Corporate
Governance
2012
31 Desember 31 Desember
2011/ 2012/
December 31, Penambahan/ Pengurangan/ Reklasifikasi/ December 31,
2011 Additions Disposals Reclassifications 2012
Biaya perolehan Cost
Corporate Social
Tanah 67.199 74.881 - - 142.080 Land
Responsibility
Bangunan 435.680 37.159 - 676 473.515 Buildings
Perlengkapan 491.428 39.521 1.903 8.222 537.268 Office equipment
1.024.597 159.337 5.378 8.898 1.187.454

Aset dalam penyelesaian 38.074 89.508 - (8.898) 118.684 Construction in progress
1.062.671 248.845 5.378 - 1.306.138
Akumulasi penyusutan Accumulated depreciation
Bangunan 126.708 21.609 - - 148.317 Buildings
Consolidated
Perlengkapan 357.904 47.324 1.889 - 403.339 Office equipment
502.787 73.461 4.983 - 571.265
Nilai buku neto 559.884 734.873 Net book value
Jumlah penyusutan yang dibebankan pada beban Total depreciation expenses charged to other
operasional lain adalah sebesar Rp84.489 dan operating expenses amounted to Rp84,489 and
Corporate Data
Rp73.461 masing-masing pada tahun 2013 dan Rp73,461 in 2013 and 2012, respectively.
2012.
Rincian penjualan aset tetap adalah sebagai The details of sale of fixed assets are as follows:
berikut:
2013 2012
Harga jual 2.053 1.406 Proceeds

Nilai buku (134) (395) Book value
Laba penjualan aset tetap 1.919 1.011 Gain on sale of fixed assets
103 501

16. ASET TETAP (lanjutan) 16. FIXED ASSETS (continued)

Rincian aset dalam penyelesaian pada tanggal- The details of constructions in progress as of
tanggal 31 Desember 2013 dan 2012 adalah December 31, 2013 and 2012 are as follows:
sebagai berikut:
Persentase Akumulasi Estimasi

penyelesaian/ biaya/ penyelesaian/
Percentage of Accumulated Estimated
31 Desember 2013 completion cost completion December 31, 2013
Bangunan Building
- Renovasi gedung kantor 72% 2.684 2014 Renovation of office building -
- Pembangunan gedung kantor 50% 10.563 2014 Construction of office building -
Prasarana Infrastructure
- Lain-lain 80% 40.510 2014 Others -
Total 53.757 Total
Persentase Akumulasi Estimasi

penyelesaian/ biaya/ penyelesaian/
Percentage of Accumulated Estimated
31 Desember 2012 completion cost completion December 31, 2012
Bangunan Building
- Renovasi gedung kantor 95% 23.122 2013 Renovation of office building -
- Pembangunan gedung kantor 95% 4.432 2013 Construction of office building -
Prasarana Infrastructure
- Lain-lain 95% 91.130 2013 Others -
Total 118.684 Total
Pada tanggal 31 Desember 2013 dan 2012, Bank As of December 31, 2013 and 2012, the Bank had
memiliki 26 bidang tanah dengan sertifikat Hak 26 plots of land with Building Use Rights (Hak
Guna Bangunan (HGB). Sertifikat-sertifikat tersebut Guna Bangunan or HGB) titles. Those certificates
mempunyai masa manfaat 9 (sembilan) tahun have useful lives of 9 (nine) to 30 (thirty) years.
sampai 30 (tiga puluh) tahun. Masa berlaku HGB The HGB expiration period ranges from 2014 up to
berakhir antara tahun 2014 sampai dengan tahun 2031. Management believes that there will be no
2031. Manajemen berpendapat tidak terdapat difficulty in obtaining the extension of the landrights
masalah dengan perpanjangan hak atas tanah as all the land were acquired legally and are
karena seluruh tanah diperoleh secara sah dan supported by sufficient evidence of ownership.
didukung dengan bukti kepemilikan yang memadai.
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 Rp288.979 dan amounted to Rp288,979 and Rp288,979 as of
Rp288.979, masing-masing pada tanggal December 31, 2013 and 2012, respectively.
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, 2013 and 2012, for a
nilai pertanggungan asuransi per 31 Desember total coverage of Rp1,137,131 and Rp924,287,
2013 dan 2012 masing-masing sebesar respectively, with PT Asuransi Bangun Askrida,
Rp1.137.131 dan Rp924.287 pada PT Asuransi PT Sarana Lindung Upaya, and PT Jasaraharja
Bangun Askrida, PT Sarana Lindung Upaya, dan Putera.
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.
Nilai wajar tanah adalah sebesar Rp325.253 dan The fair value of land amounted to Rp325,253 and
Rp306.845, masing-masing pada tanggal Rp306,845 as of December 31, 2013 and 2012,
31 Desember 2013 dan 2012. respectively.
502 104

16. ASET TETAP (lanjutan) 16. FIXED ASSETS (continued)
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 2013 dan 2012. December 31, 2013 and 2012.
Tidak terdapat aset tetap yang dijaminkan oleh There are no fixed assets pledged by the Bank as
Bank pada tanggal-tanggal 31 Desember 2013 dan of December 31, 2013 and 2012.
2012.
Introduction
17. BUNGA YANG MASIH AKAN DITERIMA 17. INTEREST RECEIVABLES
Akun ini terdiri dari: This account consists of:
2013 2012
Performance
Rupiah Rupiah
Good Corporate
Kredit yang diberikan dan
Governance
pembiayaan syariah 389.872 343.527 Loans and sharia financing
Surat berharga 24.968 3.428 Marketable securities
Penempatan pada Bank Indonesia Placement with Bank Indonesia
dan bank lain 2.427 2.613 and other banks
417.267 349.568
pembiayaan syariah 89.791 1.093 102.895 992 Loans and sharia financing
Corporate Social
Responsibility
Total 418.360 350.560 Total
18. ASET LAIN-LAIN 18. OTHER ASSETS
a. Berdasarkan jenis a. By type
Consolidated
2013 2012

Corporate Data
Rupiah Rupiah
Biaya dibayar di muka 774.005 536.250 Prepaid expenses
Uang muka pembelian Advance payment for building
gedung (Catatan 55f) 326.040 217.360 purchase (Note 55f)
Uang muka pajak 203.899 145.361 Tax advance
Diskon kredit off-market 202.482 181.787 Discount on off-market credit
Beban tangguhan 17.842 18.101 Deferred charges
Setoran jaminan 9.659 7.078 Security deposits
Persediaan keperluan kantor 9.157 8.637 Office supplies
1.733.575 1.290.701
Dollar Amerika Serikat United States Dollar
Biaya dibayar di muka 82.652 1.006 26.235 253 Prepaid expenses
Lain-lain 2.486.028 30.256 1.949. 870 18.793 Others
31.262 19.046
Total 1.764.837 1.309.747 Total
105 503

18. ASET LAIN-LAIN (lanjutan) 18. OTHER ASSETS (continued)
Biaya dibayar di muka terdiri dari: Prepaid expenses consist of:
2013 2012

Rupiah Rupiah
Sewa 231.765 193.529 Rent
Premi asuransi 204.924 143.678 Insurance
Biaya pemeliharaan aset tetap 127.793 81.750 Fixed assets maintenance
Uang muka karyawan 45.739 9.960 Employee advances
Biaya promosi 12.936 3.071 Promotions
774.005 536.250
Dollar Amerika Serikat United States Dollar

Premi Asuransi 82.652 1.006 26.255 253 Insurance
Total 775.011 536.503 Total
19. LIABILITAS SEGERA 19. OBLIGATIONS DUE IMMEDIATELY

2013 2012

Rupiah Rupiah
Rekening titipan 1.103.897 395.082 Accounts not yet settled
Kiriman uang 495.393 803.863 Money transfers
Liabilitas kepada Kantor Liabilities to the State Treasury
Bendahara dan Kas Negara 298.372 510.680 and Cash Office
Setoran jaminan yang telah jatuh Matured security deposits
tempo tetapi belum diambil not yet collected by
nasabah 41.348 44.458 customers
Zakat, Infaq, dan Shadaqah 1.127 660 Zakat, Infaq, and Shadaqah
Titipan kredit dan pembiayaan Loans and sharia financing not
syariah 1.093 968 yet settled
Titipan dana bantuan Unsettled loans from
pemerintah 902 304 government aid
1.942.132 1.756.015
Setoran jaminan yang telah Matured security
jatuh tempo tetapi belum deposits not collected
diambil oleh nasabah 271.522 3.305 325.428 3.136 by custoimers
Lain-lain 8.357 102 205.747 1.983 Others
1.945.539 1.761.134
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.
504 106

20. SIMPANAN NASABAH DAN SIMPANAN NASABAH 20. DEPOSITS FROM CUSTOMERS AND DEPOSITS
SYARIAH FROM CUSTOMERS – SHARIA
i. Simpanan nasabah i. Deposits from customers
2013 2012
Introduction
Rupiah Rupiah
Giro 10.088.922 168.564 Current accounts
Tabungan Savings

Simpeda 6.230 90.465 Simpeda
Tandamata 1.597 72.511 Tandamata
Performance
Tandamata Gold 4.868 5.264 Tandamata Gold
Tandamata Haji 5 16 Tandamata Haji
TabunganKu 10 198 TabunganKu
Tandamata Berjangka 429 263 Tandamata Berjangka
Tandamata Purnabakti - 13 Tandamata Purnabakti
Deposito berjangka 1.666.853 2.855.456 Time deposits
11.768.914 3.192.750
Giro Current accounts
Tabungan Tandamata 18.060 220 30.552 294 Tandamata Savings
Good Corporate
Governance
Deposito berjangka 5.004 61 46.700 450 Time deposits
Dolar Singapura United States Dollar

Tabungan Tandamata 5.472 53 - Tandamata Savings
334 744
Total 11.769.248 3.193.494 Total
Corporate Social
Responsibility
Rupiah Rupiah
Giro 6.077.772 14.230.918 Current accounts
Tabungan Savings
Tandamata 6.581.962 4.800.641 Tandamata
Simpeda 2.719.651 2.536.996 Simpeda
Tandamata Gold 773.482 669.592 Tandamata Gold
Tandamata Haji 45.865 46.604 Tandamata Haji
Tandamata Bisnis 49.354 49.773 Tandamata Bisnis
TabunganKu 1.124.128 93.325 TabunganKu
Tandamata Berjangka 57.997 31.046 Tandamata Berjangka
Tandamata Purnabakti 374.063 315.695 Tandamata Purnabakti
Consolidated
Tabungan Tamasya 28.928 - Tabungan Tamasya
Tabungan Anak Sekolah 1.272 - Tabungan Anak Sekolah
Tabungan Pelajar 4.688 - Tabungan Pelajar
Tabungan Wajib/ Khusus 4.946 - Tabungan Wajib/ Khusus
Tabungan Dinas/ Instansi 295 - Tabungan Dinas/ Instansi
Tabungan Masyarakat 14.910 - Tabungan Masyarakat
Tabungan Kotak 1.783 - Tabungan Kotak
Tabungan Lain-lain 32 - Tabungan Lain-lain
Deposito berjangka 16.751.152 21.345.531 Time deposits
34.612.280 44.120.121
Corporate Data

Giro 15.402.997 187.454 11.206.277 108.000 Current accounts
Tabungan Tandamata 2.602.548 31.673 2.648.035 25.520 Tandamata Savings
Deposito berjangka 21.504.692 261.713 16.981.693 163.661 Time deposits
Dolar Singapura Singapore Dollar
Giro 551.036 5.302 887.372 6.991 Current accounts
Tabungan Tandamata 563.510 5.422 131.740 1.038 Tandamata Savings
Deposito berjangka - - 92.764 731 Time deposit
Euro Uni Eropa European Union Euro
Giro 30.540 512 103.193 1.314 Current accounts
Yuan Cina Chinese Yuan
Giro 273.869 550 7.744.818 11.993 Current accounts
Dolar Australia Australian Dollar
Giro 677 7 - - Current accounts
35.104.913 44.439.369
Total 46.874.161 47.632.863 Total
107 505

20. SIMPANAN NASABAH DAN SIMPANAN 20. DEPOSITS FROM CUSTOMERS AND
NASABAH SYARIAH (lanjutan) DEPOSITS FROM CUSTOMERS – SHARIA
(continued)
a. Berdasarkan jenis dan mata uang (lanjutan) a. By type and currency (continued)
ii. Simpanan nasabah syariah ii. Deposits from customers - sharia
2013 2012

Rupiah Rupiah
Tabungan Wadiah 260 102 Wadiah savings

Rupiah Rupiah
Giro Wadiah 245.489 210.876 Wadiah current accounts
Tabungan Wadiah 100.238 83.289 Wadiah savings
TabunganKu iB 553 383 TabunganKu iB
346.280 294.548
Tota l 346.540 294.650 Total
b. Rincian deposito berjangka berdasarkan b. Details of time deposits by term

jangka waktu
2013 2012

Rupiah Rupiah
1 bulan 10.430.543 11.281.533 1 month
3 bulan 3.842.177 6.909.296 3 months
6 bulan 3.793.850 5.387.539 6 months
12 bulan 334.452 606.311 12 months
Lebih dari 12 bulan 16.983 16.308 More than 12 months
18.418.005 24.200.987
1 bulan 21.239.143 258.481 12.450.587 119.992 1 month
3 bulan 107.382 1.307 2.394.200 23.074 3 months
6 bulan 28.613 348 2.114.091 20.375 6 months
12 bulan 134.592 1.638 69.515 670 12 months
261.774 164.111
Dolar Singapura Singapore Dollar
1 bulan - 92.764 731 1 month
Total 18.679.779 24.365.829 Total
506 108

20. SIMPANAN NASABAH DAN SIMPANAN 20. DEPOSITS FROM CUSTOMERS AND
NASABAH SYARIAH (lanjutan) DEPOSITS FROM CUSTOMERS – SHARIA
(continued)
c. Tingkat suku bunga rata-rata per tahun c. Average interest rates per annum
2013 2012
Giro Current accounts
Introduction
Tabungan Savings
Deposito berjangka Time deposits
Performance
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, 2013 and 2012 amounted to
2013 dan 2012 adalah masing-masing sebesar Rp1,888,327 and Rp915,424, respectively
Good Corporate
Governance
Rp 1.888.327 dan Rp915.424 (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, 2013 and 2012 amounted to
2013 dan 2012 adalah masing-masing sebesar Rp37,406 and Rp28,626, respectively (Note
Rp37.406 dan Rp28.626 (Catatan 12i). 12i).
Corporate Social
Responsibility
21. SIMPANAN DARI BANK LAIN 21. DEPOSITS FROM OTHER BANKS

2013 2012
Consolidated

Rupiah Rupiah
Giro 4.780 15.328 Current accounts
Corporate Data

144.875 184.358
Rupiah Rupiah
Giro 43.419 27.481 Current accounts
Call money 4.554.000 5.855.000 Call money
4.680.150 5.948.063
Call money 10.000.000 121.700 27.000.000 260.213 Call money
4.801.850 6.208.276
Total 4.946.725 6.392.634 Total
109 507

21. SIMPANAN DARI BANK LAIN (lanjutan) 21. DEPOSITS FROM OTHER BANKS (continued)
a. Berdasarkan jenis dan mata uang (lanjutan) a. By type and currency (continued)
Call money pada tanggal 31 Desember 2013 Call money as of December 31, 2013 and
dan 2012 memiliki jatuh tempo kurang dari 2012 has a maturity period of less than 1
1 (satu) bulan. (one) month.
jangka waktu
2013 2012
Rupiah Rupiah
1 bulan 59.527 82.767 1 month
3 bulan 4.810 6.752 3 months
6 bulan 125 125 6 months
12 bulan 14.775 6.235 12 months
24 bulan 3.075 3.075 24 months
82.312 98.954
c. Tingkat suku bunga rata-rata per tahun c. Average interest rates per annum
2013 2012

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, 2013 and 2012.
22. EFEK-EFEK YANG DIJUAL DENGAN JANJI 22. MARKETABLE SECURITIES SOLD UNDER
DIBELI KEMBALI REPURCHASE AGREEMENTS
Pada tanggal 31 Desember 2013, rincian saldo As of December 31, 2013, the details of marketable
efek-efek yang dijual dengan janji dibeli kembali securities sold under repurchase agreements are
adalah sebagai berikut: as follows:
Beban Bunga
Tanggal yang Belum
Jenis Surat Pembelian Harga Pembelian Diamortisasi/
Berharga/ Nilai Nominal/ Tanggal Dimulai/ Kembali/ Kembali/ Unamortized Nilai Tercatat/
Nasabah/ Type of Nominal Commencement Repurchase Repurchase Interest Carrying
Customer Securities Amount Date Date Price Expense Value
Pihak ketiga/ Third parties
PT Bank Bukopin Tbk

PT Bank Bukopin Tbk SUN FR 26 265.000 12 Nov / 13 Jan / 251.486 629 250.857
Nov 12, 2013 Jan 13, 2014
Nov 14, 2013 Jan 15, 2014
Nov 14,2013 Jan15,2014
Nov 15,2013 Jan 06,2014
PT Bank Bukopin Tbk ORI 008 140.000 15 Nov / 06 Jan / 127.928 153 127.775
Nov 15,2013 Jan 06,2014
PT Bank Central Asia Tbk
PT Bank Central Asia Tbk IDSD170414182S 150.000 19 Des / 20 Jan / 125.525 467 125.058
Dec 19,2013 Jan 20,2014
508 110

22. EFEK-EFEK YANG DIJUAL DENGAN JANJI 22. MARKETABLE SECURITIES SOLD UNDER
DIBELI KEMBALI (lanjutan) REPURCHASE AGREEMENTS (continued)
adalah sebagai berikut (lanjutan): as follows (continued):
Beban Bunga
Introduction
Tanggal yang Belum
PT Bank Negara Indonesia

(Persero) Tbk

(Persero) Tbk IDSD170414182S 110.000 19 Des / 09 Jan / 97.218 159 97.059
Dec 19, 2013 Jan 09,2014
Performance
Dec 19, 2013 Jan 09,2014
Dec 30, 2013 Jan 06,2014
Dec 30, 2013 Jan 06,2014
PT Bank Mandiri (Persero) Tbk
Good Corporate
PT Bank Mandiri
Governance
(Persero) Tbk SPN 12140703 390.000 18 Des / 08 Jan / 339.934 471 339.463
Dec 18, 2013 Jan 08,2014
PT Bank Mandiri
(Persero) Tbk SPN 12140731 450.000 18 Des / 08 Jan / 390.243 541 389.702
Dec 18, 2013 Jan 08,2014
PT Bank Mandiri
(Persero) Tbk ORI008 275.000 23 Des / 06 Jan / 247.914 256 247.658
Dec 23, 2013 Jan 06,2014
PT Bank Panin Tbk
PT Bank Panin Tbk IDSD170414182S 120.000 23 Des / 17 Jan / 106.197 339 105.858
Corporate Social
Dec 23, 2013 Jan 17, 2014
Responsibility
Dec 23, 2013 Jan 17, 2014
Dec 23, 2013 Jan 17, 2014
Total 3.320.000 2.983.875 5.802 2.978.073
Consolidated
adalah sebagai berikut: as follows:
Beban Bunga
Tanggal yang Belum
Corporate Data
Pihak ketiga/ Third parties
PT Bank Internasional
Indonesia Tbk SUN FR 54 400.000 19 Des / 2 Jan/ 466.513 58 466.455
Dec 19, 2012 Jan 2, 2013
PT Bank Mandiri (Persero) Tbk SUN FR 47 100.000 26 Des / 25 Jan / 127.146 401 126.745
Dec 26, 2012 Jan 25, 2013
Dec 20, 2012 Jan 3, 2013
PT Bank Mandiri (Persero) Tbk SUN FR 56 525.000 26 Des / 28 Jan / 589.386 2.091 587.295
Dec 26, 2012 Jan 28, 2013
Dec 26, 2012 Jan 25, 2013
Dec 20, 2012 Jan 3, 2013
Dec 26, 2012 Jan 25, 2013
Dec 26, 2012 Jan 25, 2013
Total 1.700.000 1.926.725 3.930 1.922.795
111 509

23. EFEK HUTANG YANG DITERBITKAN 23. DEBT SECURITIES ISSUED
2013 2012
Obligasi VI Bank Jabar Bank Jabar Bonds VI

Nilai nominal 400.000 400.000 Nominal value
Obligasi VII Bank Jabar Bank Jabar Bonds VII

Nilai nominal 2.000.000 2.000.000 Nominal value
2.400.000 2.400.000
Beban emisi obligasi Unamortized
yang belum diamortisasi (3.389) (4.909) bonds issuance cost
Total 2.396.611 2.395.091 Total
a. Obligasi VII Bank BJB a. Bank BJB Bonds VII
Pada tanggal 10 Februari 2011, Bank On February 10, 2011, the Bank issued Bank
menerbitkan Obligasi VII Bank BJB. Obligasi BJB Bonds VII. The bonds were offered at
ini ditawarkan sebesar nilai nominal, their nominal value, listed in the Indonesia
dicatatkan di Bursa Efek Indonesia dan Stock Exchange and became effective based
dinyatakan efektif berdasarkan surat on Bapepam-LK Decision Letter dated
keputusan Bapepam-LK pada tanggal January 31, 2011.
31 Januari 2011.
Obligasi VII Bank BJB terdiri dari: Bank BJB Bonds VII consisted of:
1) Seri A dengan nilai nominal Rp276.000, 1) Series A with nominal value of

tingkat suku bunga tetap sebesar 9,2% Rp276,000; fixed interest rate of 9.2%
per tahun yang dibayarkan setiap tiga per 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 due on February 9, 2014.
9 Pebruari 2014.
2) Seri B dengan nilai nominal Rp601.000; 2) Series B with nominal value of

tingkat suku bunga tetap sebesar 10,2% Rp601,000; fixed interest rate of 10.2%
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

tingkat suku bunga tetap sebesar 10,4% Rp1,123,000; fixed interest rate of 10.4%
bulan dan jangka waktu selama tujuh months; with a seven-year term; and are
tahun dan akan jatuh tempo pada tanggal due on February 9, 2018.
9 Februari 2018.
Obligasi VII Bank BJB tidak dijamin dengan Bank BJB Bonds VII are not secured by
jaminan khusus, tetapi dijamin dengan seluruh specific collateral, but are secured by all
harta kekayaan Bank. assets of the Bank.
Pada tanggal 31 Desember 2013, peringkat As of December 31, 2013, the rating of the
surat berharga ini menurut Pefindo adalah id bonds based on Pefindo was id AA-.
AA-.
510 112

23. EFEK HUTANG YANG DITERBITKAN (lanjutan) 23. DEBT SECURITIES ISSUED (continued)
a. Obligasi VII Bank BJB (lanjutan) a. Bank BJB Bonds VII (continued)
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:
Introduction
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
Performance
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;
Good Corporate
Governance
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
Corporate Social
Responsibility
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
the subsidiary’s business (if any), except if
akibat negatif terhadap kelangsungan
Consolidated
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
Corporate Data
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
113 511

a. Obligasi VII Bank BJB (lanjutan) a. Bank BJB Bonds VII (continued)
ii. disyaratkan oleh perundang- ii. is required by the prevailing law in

undangan yang berlaku di Negara Indonesia;
Republik Indonesia;
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 2013 dan 2012, Bank tidak During 2013 and 2012, the Bank did not
melanggar persyaratan-persyaratan dalam breach the covenants of the above debt
penerbitan efek hutang tersebut. securities issued.
Pada tanggal 7 Februari 2014, Obligasi VII As of February 7, 2014, Bank Jabar Bonds VII
Bank Jabar Seri A dengan nilai nominal Series A with a total nominal value of
Rp276.000 telah dilunasi oleh Bank (Catatan Rp276,000 had been redeemed by the Bank
56). (Note 56).
512 114

b. Obligasi VI Bank BJB b. Bank BJB Bonds VI
Obligasi VI Bank Jabar diterbitkan pada Bank Jabar Bonds VI was issued on July 10,
tanggal 10 Juli 2009 terdiri dari: 2009, and consisted of:
1) Seri A dengan nilai nominal Rp350.000; 1) Series A with a nominal value of
Introduction
tingkat suku bunga tetap sebesar 12,00% Rp350,000; a fixed interest rate of
per tahun yang dibayarkan setiap tiga 12.00% per annum which is payable
bulan dan jangka waktu selama tiga tahun every three months; with a three-year
dan akan jatuh tempo pada tanggal 10 Juli term; and are due on July 10, 2012. The
2012. Obligasi ditawarkan sebesar nilai bonds was offered at its nominal value.
nominal, dicatat di Bursa Efek Surabaya listed on the Surabaya Stock Exchange
(sekarang Bursa Efek Indonesia) pada (currently the Indonesia Stock Exchange)
tanggal 13 Juli 2009 dan dinyatakan on July 13, 2009 and became effective
Performance
efektif berdasarkan surat keputusan based on Bapepam-LK decision letter
Bapepam-LK pada tanggal 30 Juni 2009. dated June 30, 2009.
Pada tanggal 31 Desember 2012, Obligasi As of December 31, 2012, Bank Jabar
VI Bank Jabar Seri A dengan nilai nominal Bonds VI Series A with a total nominal
Rp350.000 telah dilunasi oleh Bank pada value of Rp350,000 had been redeemed
tanggal jatuh tempo. by the Bank on the due date.
Good Corporate
Governance
2) Seri B dengan nilai nominal 2) Series B with a nominal value of
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
Corporate Social
ditawarkan sebesar nilai nominal, dicatat value, listed on the Surabaya Stock
Responsibility
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 tidak dijamin dengan Bank Jabar Bonds VI are not secured by
Consolidated
jaminan khusus, tetapi dijamin dengan seluruh specific collateral, but are secured by all
harta kekayaan Bank. assets of the Bank.
Pada tanggal 31 Desember 2013, peringkat As of December 31, 2013, the rating of the
surat berharga ini menurut Pefindo adalah bonds based on Pefindo was AA-.
AA-.
Corporate Data
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;
115 513

b. Obligasi VI Bank BJB (lanjutan) b. Bank BJB Bonds VI (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
disetor; paid-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.
514 116

b. Obligasi VI Bank BJB (lanjutan) b. Bank BJB Bonds VI (continued)
Pada tahun 2013 dan 2012, Bank telah In 2013 and 2012, the Bank has amortized the
mengamortisasi biaya emisi obligasi masing- bonds issuance cost amounting to Rp1,520
masing sebesar Rp1.520 dan Rp2.065 yang and Rp2,065, respectively, recorded in the
dicatat dalam laporan laba rugi komprehensif consolidated statements of comprehensive
Introduction
konsolidasian. income.
Selama tahun 2013 dan 2012, Bank tidak During 2013 and 2012, the Bank did not
melanggar persyaratan-persyaratan dalam breach the covenants of the above debt
penerbitan efek hutang tersebut. securities issued.
Performance
24. PINJAMAN YANG DITERIMA 24. BORROWINGS
2013 2012

Rupiah Rupiah
Pinjaman penerusan Channeling loans
Kredit Cinta Rakyat 235.000 165.000 Cinta Rakyat Loan
Good Corporate
Governance
PT Bank Andara 19.993 19.410 PT Bank Andara
PT Sarana Multigriya Finance 13.000 - PT Sarana Multigriya Finance
PT Bank Danamon Indonesia Tbk 3.818 6.186 PT Bank Danamon Indonesia Tbk
(Persero) Tbk 782 931 (Persero) Tbk
Departemen Keuangan 269 1.214 Ministry of Finance
Corporate Social
PT Permodalan Nasional Madani 250 4.939 PT Permodalan Nasional Madani
Responsibility
Rekening Dana Investasi BTN 28 59 Investment Fund Account BTN
Pinjaman FIDP 6 16 FIDP Loans
Kfw Jerman - 75 Kfw Germany
Total 324.337 231.160 Total
Consolidated
Kredit Cinta Rakyat Cinta Rakyat Loan
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
Corporate Data
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.
117 515

24. PINJAMAN YANG DITERIMA (lanjutan) 24. BORROWINGS (continued)
Kredit Cinta Rakyat (lanjutan) Cinta Rakyat Loan (continued)
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 and Rp20,000;
selama 5 (lima) tahun dan Rp20.000, melalui through Agreement No. 102/PKS/DIR-MK/2013
Perjanjian Kerjasama No. 102/PKS/DIR-MK/2013 dated December 05, 2013 and will be due in 5
pada tanggal 05 Desember 2013 dengan jangka (five) years. This borrowings bears no interest.
waktu selama 5 (lima) tahun. Pinjaman ini tidak
dikenakan bunga.
KfW Jerman KfW Germany
Merupakan pinjaman penerusan dari Kreditanstalt These loans represent the channeling loans from
fur Wiederraufbau (KfW Jerman) melalui Kreditanstalt fur Wiederraufbau (KfW Germany)
Pemerintah Indonesia untuk membiayai proyek through the Indonesian Government to finance the
program Industrial Efficiency and Pollution Control Industrial Efficiency and Pollution Control program
dan Usaha Kecil dan Menengah (UKM) sebagai and Small and Medium Enterprises. as follows:
berikut:
1. Program Industrial Efficiency and Pollution 1. Industrial Efficiency and Pollution Control
Control (“IEPC”) dengan jumlah fasilitas (“IEPC”) program with total borrowing facilities
pinjaman sebesar Deutsche Mark (DM) of Deutsche Mark (DM) 4,000,000 (full
4.000.000 (nilai penuh). Pinjaman ini akan amount). The borrowing facilities will mature
jatuh tempo tanggal 10 April 2013, dengan on April 10, 2013 and bear interest at the
tingkat suku bunga tetap sebesar 9,00% per annual fixed rate of 9.00%.
tahun.
Perjanjian ini mengalami beberapa kali The agreement has been amended several
perubahan, terakhir melalui amandemen times, the latest was through amendment
No. AMA-315/SLA-1135/DP3/2007 tanggal No. AMA-315/SLA-1135/DP3/2007 dated
26 September 2007 yang mengubah tingkat September 26, 2007 which changed the
bunga acuan menjadi mengambang yang reference interest rate to a floating rate which
ditetapkan oleh Pemerintah setiap enam bulan will be determined by the Government every
dan Bank hanya berkewajiban membayar six months and the Bank is obliged to pay
bunga sebesar 2/3 dari bunga acuan tersebut. two-thirds of the referenced interest. However,
Namun Bank wajib mencadangkan dana untuk the Bank is obliged to reserve a capacity
capacity building sebesar 1/3 dari bunga building fund at one-third of the referenced
acuan tersebut untuk membiayai sosialisasi interest to finance the socialization and
dan pengawasan pelaksanaan program IEPC. monitoring of the IEPC program.
Liabilitas Bank dinyatakan dalam Rupiah The borrowings are stated and repayable in
berdasarkan kurs Bank Indonesia pada saat Rupiah based on Bank Indonesia’s prevailing
penarikan. exchange rate at the withdrawal date.
516 118

KfW Jerman (lanjutan) KfW Germany (continued)

2. Pinjaman untuk membiayai UKM dengan total 2. Borrowings to finance Small and Medium
fasilitas pinjaman mencapai DM6.000.000 Enterprises with total facilities of DM6,000,000
(nilai penuh) melalui perjanjian (full amount) through the agreement
No. 31/1185/UK tanggal 9 Maret 1999. No. 31/1185/UK dated March 9, 1999.
Introduction
Pinjaman ini memiliki periode sepuluh tahun, The borrowing has a ten-year term, including
termasuk masa tenggang tiga tahun dan akan a three-year grace period and will mature on
jatuh tempo pada tanggal 9 Maret 2012, March 9, 2012, with floating interest rate
dengan tingkat bunga mengambang sebesar based on the average three-month SBI
rata-rata suku bunga SBI berjangka waktu tiga interest rate during the six-month period
bulan selama enam bulan sebelum before such average rate is determined.
penetapan.
Performance
Perjanjian tersebut kemudian diperbaharui The agreement was subsequently amended
dengan amandemen No. I/3/1185/BKr tanggal through amendment No. I/3/1185/BKr dated
12 September 2001 dengan pokok-pokok September 12, 2001, with the main changes
perubahan sebagai berikut: as follows:
- fasilitas pinjaman menjadi DM50.000.000 - the borrowing facility was increased to
(nilai penuh) dengan prinsip first come DM50,000,000 (full amount) on a first
first serve, come, first serve basis,
Good Corporate
Governance
- jangka waktu pinjaman berubah menjadi - the borrowing period was changed to
sebelas tahun enam bulan termasuk eleven years and six months, including a
masa tenggang empat tahun terhitung four-year grace period starting from
sejak 24 Juli 1998, dan jatuh tempo July 24, 1998, and the borrowing has
tanggal 24 Januari 2010. matured on January 24, 2010.
Fasilitas pinjaman dinyatakan dalam Rupiah The borrowings are stated in Rupiah based on
Corporate Social
berdasarkan kurs Bank Indonesia pada saat Bank Indonesia exchange rate prevailing at
Responsibility
penarikan. the withdrawal date.
RDI BTN RDI BTN

Pinjaman diterima dari PT Bank Tabungan Negara Other borrowings are obtained from PT Bank
(Persero) Tbk (BTN) untuk mendanai kredit Tabungan Negara (Persero) Tbk (BTN) to finance
perumahan sederhana dan sangat sederhana. simple and very simple housing loans. This facility
Pinjaman ini jatuh tempo antara tahun 2009 sampai will mature between 2009 and 2014 and bears
Consolidated
2014 dengan tingkat suku bunga tetap sebesar interest at annual fixed rates ranging from 0.00%
antara 0,00% sampai dengan 3,00% per tahun. to 3.00%.
Departemen Keuangan Ministry of Finance

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. This facilities
Corporate Data
di Indonesia. Pinjaman ini adalah: is:
119 517

Departemen Keuangan (lanjutan) Ministry of Finance (continued)
Pinjaman Kridamas merupakan dana bergulir yang Kridamas borrowings are revolving funds provided
diberikan oleh Pemerintah, dalam hal ini Lembaga by 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 (“Kridamas”) kepada (“Kridamas”) to the Bank as an appointed financial
Bank sebagai lembaga keuangan pelaksana yang institution, using an executing pattern. The loan
ditunjuk, dengan menggunakan pola executing. agreement was made with the Deed of Credit
Perjanjian pinjaman ini dibuat dengan Akta Agreement No. 03 dated February 24, 2010 with
Perjanjian Kredit No. 03 tanggal 24 Februari 2010 the loan period of 4 years. Total loan facility of this
dengan jangka waktu pinjaman selama borrowing amounted to Rp3,636; and bears
4 tahun. Jumlah fasilitas pinjaman ini sebesar interest at annual floating rates based on the three-
Rp3.636; dan memiliki tingkat bunga mengambang month SBI rate or 3% sliding per year.
maksimal sesuai dengan suku bunga SBI
berjangka tiga bulan atau 3% per tahun sliding.
Fasilitas pinjaman dinyatakan dan dibayar kembali The borrowings are stated and repayable in rupiah
dalam rupiah berdasarkan kurs Bank Indonesia based on Bank Indonesia’s prevailing exchange
pada saat penarikan. rate at the withdrawal date.
Tidak terdapat aset Bank yang dijadikan agunan There are no Bank’s assets which are pledged as
kepada Departemen Keuangan, BTN dan collateral with respect to borrowings from the
Pemerintah Daerah Jawa Barat atas pinjaman Ministry of Finance, BTN and West Java Regional
yang diterima di atas. Government.
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 2013 dan 2012 Bank telah memenuhi In 2013 and 2012, the Bank has settled on time all
sesuai jadwal semua pembayaran pokok dan amounts due on its borrowings and the related
bunga pinjaman yang telah jatuh tempo. Bank juga interest that have matured. The Bank has also
telah memenuhi semua persyaratan yang complied with all covenants of the above borrowing
ditetapkan dalam perjanjian pinjaman di atas. agreements.
Pinjaman yang diterima - entitas anak Borrowings - subsidiaries
Entitas anak (BPR Jalan Cagak) menerima The Subsidiary (BPR Jalan Cagak) received
pinjaman dari PT Bank Mandiri (Persero) Tbk borrowings from PT Bank Mandiri (Persero) Tbk
dengan plafond sebesar Rp9.172 dan Rp21.573 with maximum limit of Rp9,172 and Rp21,573 as
masing-masing pada tanggal 31 Desember 2013 of December 31, 2013 and 2012, respectively. This
dan 2012. Pinjaman ini jatuh tempo tahun 2015, facility will mature in 2015, 2016, and 2017 and
2016, dan 2017 dan dikenakan tingkat suku bunga bears annual interest at rates ranging from 11% to
sebesar antara 11% sampai dengan 19,5% per 19.5%. Total borrowings of PT Bank Mandiri
tahun. Jumlah pinjaman dari PT Bank Mandiri (Persero) Tbk amounting to Rp6,485 and
(Persero) Tbk pada tanggal 31 Desember 2013 Rp12,292 as of December 31, 2013 and 2012,
dan 2012 adalah masing-masing sebesar Rp6.485 respectively.
dan Rp12.292.
518 120

Pinjaman yang diterima - entitas anak (lanjutan) Borrowings - subsidiaries (continued)
Entitas anak (BPR Jalan Cagak) menerima The Subsidiariy (BPR Jalan Cagak) received
pinjaman dari PT Bank Andara dengan plafond borrowings from PT Bank Andara with maximum
sebesar Rp17.750 and Rp12.750 masing-masing limit of Rp17,750 and Rp12,750 as of December
pada tanggal 31 Desember 2013 dan 2012. 31, 2013 and 2012, respectively. This facility will
Introduction
Pinjaman ini jatuh tempo pada tahun 2015 dan mature in 2015 and 2016 and bears annual
2016 dan dikenakan tingkat suku bunga sebesar interest rates ranging from 11.5% to 14%. Total
antara 11,5% sampai dengan 14% per tahun. borrowings of PT Bank Andara Tbk amounting to
Jumlah pinjaman dari PT Bank Andara pada Rp9,889 and Rp10,611 as of December 31, 2013
tanggal 31 Desember 2013 dan 2012 adalah and 2012, respectively.
masing-masing sebesar Rp9.889 dan Rp10.611.
Performance
pinjaman dari PT Bank CIMB Niaga Tbk dengan borrowings from PT Bank CIMB Niaga Tbk with
plafond sebesar Rp50.380 dan Rp3.000 masing- maximum limit of Rp50,380 and Rp3,000 as of
masing pada tanggal 31 Desember 2013 dan 2012. December 31, 2013 and 2012, respectively. This
Pinjaman ini jatuh tempo pada tahun 2017 dan facility will mature in 2017 and 2019 and bears
2019 dan dikenakan tingkat suku bunga sebesar annual interest rates ranging from 11% to 14.5%.
antara 11% sampai dengan 14,5% per tahun. Total borrowings of PT Bank CIMB Niaga Tbk
Jumlah pinjaman dari PT Bank CIMB Niaga Tbk amounting to Rp32,009 and Rp15,804 as of
Good Corporate
pada tanggal 31 Desember 2013 dan 2012 adalah December 31, 2013 and 2012, respectively.
Governance
masing-masing sebesar Rp32.009 dan Rp15.804.
pinjaman dari PT Permodalan Nasional Madani borrowings from PT Permodalan Nasional Madani
dengan plafond sebesar Rp2.000 dan Rp4.000 with maximum limit of Rp2,000 and Rp4,000 as of
masing-masing pada tanggal 31 Desember 2013 December 31, 2013 and 2012, respectively. This
dan 2012. Pinjaman ini jatuh tempo pada tahun facility will mature in 2012, 2014, and 2015 and
Corporate Social
Responsibility
2012, 2014 dan 2015 dan dikenakan tingkat suku bears annual interest rates ranging from 3 Month
bunga sebesar antara SBI 3 bulan ditambah 4% SBI Rate plus 4% to 15%. Total borrowings of
sampai dengan 15% per tahun. Jumlah pinjaman PT Permodalan Nasional Madani amounting to
dari PT Permodalan Nasional Madani pada tanggal Rp250 and Rp1,250 as of December 31, 2013 and
31 Desember 2013 dan 2012 adalah masing- 2012, respectively.
masing sebesar Rp250 dan Rp1.250.
Consolidated
pinjaman dari PT Bank Danamon Tbk dengan borrowings from PT Bank Danamon Tbk with
plafond sebesar Rp8.750 dan Rp12.000 masing- maximum limit of Rp8,750 and Rp12,000 as of
Pinjaman ini jatuh tempo pada tahun 2014, 2015 facility will mature in 2014, 2015, and 2016 and
dan 2016 dan dikenakan tingkat suku bunga bears annual interest rates ranging from 12% to
sebesar antara 12% sampai dengan 14% per 14%. Total borrowings of PT Bank Danamon Tbk
tahun. Jumlah pinjaman dari PT Bank Danamon amounting to Rp3,818 and Rp6,186 as of
Corporate Data
Tbk pada tanggal 31 Desember 2013 dan 2012 December 31, 2013 and 2012, respectively.
adalah masing-masing sebesar Rp3.818 dan
Rp6.186 .
Entitas anak (BPR Garut Kota) menerima pinjaman The Subsidiary (BPR Garut Kota) received
dari PT Bank Mandiri (Persero) Tbk dengan borrowings from PT Bank Mandiri (Persero) Tbk
plafond sebesar Rp10.857 dan Rp 1.000 masing- with maximum limit of Rp10,857 dan Rp1,000 as of
Pinjaman ini jatuh tempo tahun 2013, 2016, dan facility will mature in 2013, 2016, and 2018 and
2018 dan dikenakan tingkat suku bunga sebesar bears annual interest at rates ranging from 11% to
antara 11% sampai dengan 13,5% per tahun. 13.5%. Total borrowings of PT Bank Mandiri
Jumlah pinjaman dari PT Bank Mandiri (Persero) (Persero) Tbk amounting to Rp8,943 and Rp663 of
Tbk pada tanggal 31 Desember 2013 dan 2012 December 31, 2013 and 2012, respectively.
adalah masing-masing sebesar Rp8.943 dan
Rp663 .
121 519

Pinjaman yang diterima - entitas anak (lanjutan) Borrowings - subsidiaries (continued)
dari PT Bank Negara Indonesia (Persero) Tbk borrowings from PT Bank Negara Indonesia
dengan plafond sebesar Rp1.000 dan Rp1.000 (Persero) Tbk with maximum limit of Rp1,000 and
masing-masing pada tanggal 31 Desember 2013 Rp1,000 as of December 31, 2013 and 2012,
dan 2012. Pinjaman ini jatuh tempo pada tahun respectively. This facility will mature in 2017 and
2017 dan dikenakan tingkat suku bunga sebesar bears annual interest rates at 8.33%. Total
antara 8,33%. Jumlah pinjaman dari PT Bank borrowings of PT Bank Negara Indonesia
Negara Indonesia (Persero) Tbk pada tanggal (Persero) Tbk amounting to Rp782 and Rp931 as
31 Desember 2013 dan 2012 adalah masing- of December 31, 2013 and 2012, respectively.
masing sebesar Rp782 dan Rp931.
dari PT Bank Andara dengan plafond sebesar borrowings from PT Bank Andara with maximum
Rp15.000 dan Rp10.000 masing-masing pada limit of Rp15,000 and Rp10,000 as of December
tanggal 31 Desember 2013 dan 2012. Pinjaman ini 31, 2013 and 2012, respectively. This facility will
jatuh tempo pada tahun 2015, 2016, dan 2017 dan mature in 2015, 2016, and 2017 and bears annual
dikenakan tingkat suku bunga sebesar antara 11% interest rates ranging from 11% to 13%. Total
sampai dengan 13% per tahun. Jumlah pinjaman borrowings of PT Bank Andara amounting to
dari PT Bank Andara pada tanggal 31 Desember Rp10,104 and Rp8,799 as of December 31, 2013
2013 dan 2012 adalah masing-masing sebesar and 2012, respectively.
Rp.10.104 dan Rp8.799.
dari PT Bank CIMB Niaga Tbk dengan plafond borrowings from PT Bank CIMB Niaga Tbk with
sebesar Rp5.000 and Rp5.000 masing-masing maximum limit of Rp5,000 and Rp5,000 as of
pada tanggal 31 Desember 2013 dan 2012. December 31, 2013 and 2012, respectively. This
Pinjaman ini jatuh tempo pada tahun 2017 dan facility will mature in 2017 and bears annual
dikenakan tingkat suku bunga sebesar 12% per interest rates of 12%. Total borrowings of PT Bank
tahun. Jumlah pinjaman dari PT Bank CIMB Niaga CIMB Niaga Tbk amounting to Rp3,754 and
Tbk pada tanggal 31 Desember 2013 dan 2012 Rp4,571 as of December 31, 2013 and 2012,
adalah masing-masing sebesar Rp3.754 dan respectively.
Rp4.571.
dari PT Permodalan Nasional Madani dengan borrowings from PT Permodalan Nasional Madani
plafond sebesar Rp6.000 and Rp6.000 masing- with maximum limit of Rp6,000 and Rp6,000 as of
Pinjaman ini jatuh tempo pada tahun 2014 dan facility will mature in 2014 and bears annual
dikenakan tingkat suku bunga sebesar antara SBI interest rates ranging from 3 Month SBI plus 4% to
3 bulan ditambah 4% sampai dengan 15% per 15%. Total borrowings of PT Permodalan Nasional
tahun. Jumlah pinjaman dari PT Permodalan Madani amounting to Nil and Rp3,687 as of
Nasional Madani pada tanggal 31 Desember 2013 December 31, 2013 and 2012, respectively.
dan 2012 adalah masing-masing sebesar Nihil dan
Rp3.687.
Jumlah pinjaman FIDP adalah sebesar Rp6 dan Total FIDP borrowings amounting to Rp6 and
Rp16 masing-masing pada tanggal 31 Desember Rp16 as of December 31, 2013 and 2012,
2013 dan 2012. respectively.
520 122

25. ESTIMASI KERUGIAN KOMITMEN DAN 25. ESTIMATED LOSSES ON COMMITMENTS AND
KONTINJENSI CONTINGENCIES
a. Estimasi kerugian komitmen dan a. Estimated losses on commitments and

kontinjensi contingencies
2013 2012
Rupiah Rupiah
Introduction
Fasilitas kredit yang belum
digunakan 644 373 Unused loan facility
Bank garansi 854 1.060 Bank guarantee
b. Perubahan estimasi kerugian komitmen b. Movements in the estimated losses on
Performance
dan kontinjensi commitments and contingencies
2013 2012

Pembentukan Provision
selama tahun berjalan 65 133 during the year
Good Corporate
Governance
estimasi kerugian komitmen dan kontinjensi estimated losses on commitments and
yang dibentuk telah memadai. contingencies is adequate.
Corporate Social
Responsibility
26. PAJAK PENGHASILAN 26. INCOME TAX
a. Hutang pajak a. Taxes payable
2013 2012
Bank Bank
Pajak penghasilan badan 20.010 - Corporate income tax
Consolidated
Pajak penghasilan Income tax
Pasal 21 31.206 24.023 Article 21
Pasal 25 32.857 - Article 25
Pasal 4(2) dan 23 16.743 17.239 Articles 4(2) and 23
100.816 41.262
Entitas anak Subsidiary
Pajak penghasilan badan 652 847 Corporate income tax
Corporate Data
Pajak penghasilan Income tax

Pasal 21 83 779 Article 21
Pasal 4(2) dan 23 125 2.668 Articles 4(2) and 23
860 4.294
Total 101.676 45.556 Total
123 521

26. PAJAK PENGHASILAN (lanjutan) 26. INCOME TAX (continued)
b. Manfaat (beban) pajak b. Tax benefit (expense)
2013 2012
Bank Bank
Pajak kini 375.447 246.281 Current tax
Pajak tangguhan (8.679) 66.545 Deferred tax
366.768 312.826
Entitas anak Subsidiary
Pajak kini 11.903 6.725 Current tax
Pajak tangguhan (2.184) (356) Deferred tax
9.719 6.369
Neto 376.487 319.195 Net
Rekonsiliasi antara beban pajak Bank dan The reconciliation between the Bank’s tax
hasil penyajian laba akuntansi sebelum expense and the Bank’s commercial reporting
manfaat (beban) pajak dikalikan dengan pajak income before income tax benefit (expense)
yang berlaku adalah sebagai berikut: multiplied by the prevailing rate is as follows:
2013 2012
Laba sebelum manfaat (beban)

pajak sebagaimana disajikan Income before tax benefit (expense)
dalam laporan laba rugi as reported in the consolidated
komprehensif konsolidasian 1.752.874 1.512.499 statements of comprehensive income
Laba sebelum pajak penghasilan Income before income tax -
entitas anak (47.730) (21.417) subsidiaries
Transaksi eliminasi 38.287 7.180 Elimination transaction
Laba sebelum beban pajak (Bank) 1.743.431 1.498.262 Income before tax expense (Bank only)
Pajak dihitung pada tarif Tax expense calculated at

pajak yang berlaku 348.686 299.652 prevailing tax rate
Dampak perubahan tarif pajak - 6.779 The effect of change in tax rate
Pengaruh beban yang tidak
dapat dikurangkan 18.082 6.395 Non-deductible expenses
Beban pajak entitas anak 9.719 6.369 Tax expense of subsidaries
Beban pajak - neto 376.487 319.195 Tax expense - net
Rekonsiliasi antara laba sebelum manfaat The reconciliation between the Bank’s income
(beban) pajak penghasilan Bank yang terdapat before tax benefit (expense) as shown in the
pada laporan laba rugi komprehensif consolidated statements of comprehensive
konsolidasian dan penghasilan kena pajak income and taxable income is as follows:
2013 2012
Laba sebelum manfaat (beban) pajak

sebagaimana disajikan dalam Income before tax benefit (expense)
laporan laba rugi komprehensif as reported in the consolidated
konsolidasian 1.752.874 1.512.499 statements of comprehensive income
Laba sebelum pajak penghasilan - Income before income tax -
entitas anak (47.730) (21.417) subsidiaries
Transaksi eliminasi 38.287 7.180 Elimination transaction
Laba sebelum beban pajak (Bank) 1.743.431 1.498.262 Income before tax expense (Bank only)
522 124


b. Manfaat (beban) pajak (lanjutan) b. Tax benefit (expense) (continued)
2013 2012
Beda temporer Temporary differences
Pemulihan kerugian kredit 78.807 (331.813) Reversal of allowance for loan losses
Penghargaan kerja 5.056 - Gratuity
Penyisihan beban Corporate Provision for Corporate
Introduction
Social Responsibility 11.852 14.872 Social Responsibility
Provision
Penyisihan beban imbalan kerja 14.434 18.508 for employee benefits
Penyisihan kerugian Provision for
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 898 306 and sharia financing
Kerugian perubahan nilai surat Loss from changes in fair value of
Performance
berharga yang diperdagangkan (67.654) (700) held-of-trading marketable securities
43.393 (298.827)
Beda tetap Permanent differences
Beban yang tidak dapat dikurangkan 90.414 31.972 Non-deductible expenses
Laba kena pajak 1.877.238 1.231.407 Taxable income
Good Corporate
Beban pajak penghasilan badan 375.448 246.281 Corporate income tax expense
Governance
Dikurangi pajak dibayar dimuka (355.438) (289.367) Less prepaid tax
Hutang pajak (tagihan pajak) Corporate income tax payable

penghasilan badan 20.010 (43.086) (claim for tax refund)
Bank akan menyampaikan Surat The Bank will file its Annual Corporate Income
Corporate Social
Responsibility
Pemberitahuan Tahunan untuk tahun 2013 Tax Return for 2013 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, 2012 conforms
31 Desember 2012 telah disesuaikan dengan with the Annual Corporate Income Tax Return
reported to the tax office.
Surat Pemberitahuan Tahunan yang
dilaporkan ke kantor pajak.
Consolidated
c. Aset pajak tangguhan - neto c. Deferred tax assets - net
Dikreditkan
(dibebankan) ke
laporan laba rugi
komprehensif
konsolidasian/
Credited
Corporate Data
(charged) to the
consolidated
statement of 31 Desember/
31 Desember/ comprehensive December 31
2012 income 2013
Aset (liabilitas)
pajak tangguhan Deferred tax assets (liabilities)

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
125 523


c. Aset pajak tangguhan (lanjutan) c. Deferred tax assets (continued)
Dikreditkan
(dibebankan) ke
laporan laba rugi
komprehensif
konsolidasian/
Credited
(charged) to the
consolidated
statement of 31 Desember/
31 Desember/ comprehensive December 31
2012 income 2013
Aset (liabilitas)
pajak tangguhan Deferred tax assets (liabilities)
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
Total (29.015) 10.863 (18.152) Total
Dikreditkan
(dibebankan) ke
laporan laba rugi
komprehensif
konsolidasian/
Credited Dampak
(charged) to the perubahan
31 Desember consolidated tarif/ 31 Desember
2011/ statement of The effects 2012/
December 31, comprehensive of rate December 31,
2011 income changes 2012
Aset (liabilitas) pajak tangguhan Deferred tax assets (liabilities)
Social Responsibility 14.804 2.974 (2.961) 14.817 Social Responsibility
Penyisihan imbalan kerja 17.477 3.702 (3.495) 17.684 Provision for employee benefit
Penyisihan kerugian kredit - (66.363) - (66.363) Provision for loan losses
Perubahan nilai wajar Changes in fair value
surat berharga held-for-trading
diperdagangkan - (140) - (140) marketable securities
Penyisihan kerugian aset Provision for losses
non produktif dan aset on non-earning assets
produktif selain dari kredit and earning assets
yang diberikan dan other than loan and
pembiayaan syariah 1.614 61 (323) 1.352 sharia financing
33.895 (59.766) (6.779) (32.650)
Entitas anak 3.279 356 - 3.635 Subsidiaries
Total 37.174 (59.410) (6.779) (29.015) Total
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.
d. Surat ketetapan pajak d. Tax assessment letters

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.
524 126

e. Perubahan Tarif pajak e. Changes in Tax rate
Pada tahun 2012, berdasarkan pasal 17 ayat In 2012, under article 17, paragraph 2 of Law
2 Undang-undang No. 7 tahun 1983 mengenai No. 7 year 1983 regarding "Income Tax"
“Pajak Penghasilan” yang telah diubah untuk which has been amended for the fourth time
keempat kalinya dengan Undang-undang with the Law No. 36 year 2008, the corporate
Introduction
No. 36 tahun 2008, tarif Pajak Penghasilan income tax rate is 25%. However based on
Badan adalah 25%. Namun demikian Government Regulation No. 81 of 2007 dated
berdasarkan Peraturan Pemerintah No. 81 December 28, 2007 on "Reduction on Income
Tahun 2007 tanggal 28 Desember 2007 Tax Rate for Domestic Listed Companies"
tentang “Penurunan Tarif Pajak Penghasilan and the Ministry of Finance Regulation
Bagi Wajib Pajak Badan Dalam Negeri yang No. 238/PMK.03/2008 dated December 30,
Berbentuk Perseroan Terbuka” dan Peraturan 2008 on "Implementation and Monitoring
Menteri Keuangan No. 238/PMK.03/2008 Procedures for Granting Reduction Rates for
Performance
tanggal 30 Desember 2008 tentang “Tata Cara Domestic Listed Companies", stipulates that
Pelaksanaan dan Pengawasan Pemberian domestic listed companies in Indonesia can
Penurunan Tarif Bagi Wajib Pajak Badan obtain reduced income tax rate of 5% lower
Dalam Negeri yang Berbentuk Perseroan than the highest income tax rate by fulfill the
Terbuka”, mengatur bahwa Perseroan specified criteria, the publicly listed company
Terbuka dalam negeri di Indonesia dapat with at least 40% of the total paid-up shares
memperoleh fasilitas penurunan tarif Pajak are traded on the Indonesia Stock Exchange
Good Corporate
Governance
Penghasilan sebesar 5% lebih rendah dari tarif and the shares are owned by at least 300
tertinggi Pajak Penghasilan yang ada, dengan (three hundred) parties and each party may
memenuhi kriteria yang ditentukan, yaitu only have a stake of less than 5% of the total
Perseroan Terbuka yang paling sedikit 40% paid-up shares. The provisions referred to the
dari jumlah keseluruhan saham yang disetor above must be met by the listed companies in
diperdagangkan di Bursa Efek Indonesia dan the period of 6 (six) months within 1 (one)
saham tersebut dimiliki paling sedikit oleh 300 year tax period. Based on a letter from the
Corporate Social
(tiga ratus) pihak dan masing-masing pihak Director of Tax Regulation No. S-
Responsibility
hanya boleh memiliki saham kurang dari 5% 314/PJ.04/2013 dated March 5, 2013 all of the
dari keseluruhan saham yang disetor. above criteria to obtain a decrease the tax
Ketentuan sebagaimana dimaksud di atas rate on the Bank's financial statements for the
harus dipenuhi oleh Perseroan Terbuka dalam year ended December 31, 2012 have been
waktu paling singkat 6 (enam) bulan dalam met.
jangka waktu 1 (satu) tahun pajak.
Berdasarkan surat dari Direktur Peraturan
Consolidated
Perpajakan No. S-314/PJ.04/2013 tanggal
5 Maret 2013 semua kriteria di atas untuk
memperoleh fasilitas penurunan tarif pajak
tersebut atas laporan keuangan Bank untuk
tahun yang berakhir pada tanggal
31 Desember 2012 telah terpenuhi.
Corporate Data
127 525


e. Perubahan Tarif pajak (lanjutan) e. Changes in Tax rate (continued)
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.
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. Therefore, the Bank’s
pajak 2013. Oleh karena itu, pajak corporate income tax for the year ended
penghasilan badan Bank untuk tahun yang December 31, 2013 is calculated using the tax
berakhir pada tanggal 31 Desember 2013 rate of 20%.
telah dihitung dengan menggunakan tarif
pajak 20%.
526 128

27. BUNGA YANG MASIH HARUS DIBAYAR 27. INTEREST PAYABLE
2013 2012

Introduction
Rupiah Rupiah
Simpanan nasabah 68.755 70.047 Deposits from customer
Efek hutang yang diterbitkan 39.512 40.642 Debt securities issued
Bagi hasil syariah 9.095 10.772 Sharia profit sharing
Simpanan dari bank lain 6.194 6.572 Deposits from other Banks
Performance
Pinjaman yang diterima 1.099 1.102 Borrowings
124.655 129.135
Dollar Amerika Serikat Foreign currency
Simpanan nasabah 9.778 118 10.256 99 Deposits from customer
Simpanan dari bank lain 247 3 3.990 38 Deposits from other Banks
121 137
Total 124.776 129.272 Total
Good Corporate
Governance
28. LIABILITAS LAIN-LAIN 28. OTHER LIABILITIES
2013 2012

Corporate Social
Responsibility
Rupiah Rupiah
Jasa produksi 265.165 225.443 Employee bonus
Bunga yang masih harus dibayar 7.946 - Accrued interest
Setoran jaminan 104.226 107.851 Guarantee deposit
Penyisihan imbalan kerja Provision for employee benefits
(Catatan 41) 115.924 99.779 (Note 41)
Consolidated
Dana Corporate Social Responsibility Corporate Social Responsibility
(Catatan 33) 85.942 74.090 fund (Note 33)
Penghargaan kerja 5.056 - Gratuity
Provisi dan komisi diterima di muka 29.719 25.491 Unearned provisions and commision
788.285 690.101
Setoran jaminan Guarantee deposits
Dolar Amerika Serikat 632.606 7.699 619.474 5.970 United States Dollar
Corporate Data
Euro Eropa - 5.075 65 European Euro

Provisi dan komisi diterima di muka Unearned provisions and commission
Euro Eropa - 261 3 European Euro
Lain-lain Others
11.308 10.300
Total 799.593 700.401 Total
129 527

29. DANA SYIRKAH TEMPORER 29. TEMPORARY SYIRKAH FUNDS
2013 2012

Rupiah Rupiah
Bukan bank Non - bank
Giro Mudharabah 6 - Mudharabah current account
Tabungan Mudharabah 2.160 2.355 Mudharabah savings
Deposito Mudharabah 3.608 200 Mudharabah time deposit
5.774 2.555
Rupiah Rupiah
Giro Mudharabah 129.430 90.173 Mudharabah current account
Deposito Mudharabah 2.367.194 2.362.781 Mudharabah time deposit
2.770.132 2.677.857
Bank Bank
Giro Mudharabah 1.304 270 Mudharabah current account
Deposito Mudharabah 560.370 381.785 Mudharabah time deposit
567.237 387.012
Total 3.343.143 3.067.424 Total

jangka waktu
2013 2012
Rupiah Rupiah
1 bulan 1.292.125 923.738 1 month
3 bulan 751.607 1.060.230 3 months
6 bulan 91.439 261.116 6 months
12 bulan 230.347 112.720 12 months
Lebih dari 12 bulan 5.284 5.177 More than 12 months
Bank Bank
1 bulan 547.950 360.800 1 month
3 bulan 10.800 20.200 3 months
6 bulan 2 - 6 months
12 bulan 493 100 12 months
Lebih dari 12 bulan 1.125 685 More than 12 months
Total 2.931.172 2.744.766 Total
528 130

29. DANA SYIRKAH TEMPORER (lanjutan) 29. TEMPORARY SYIRKAH FUNDS (continued)
c. Tingkat bagi hasil Deposito Mudharabah c. Profit sharing from Mudharabah Deposits
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.
Introduction
yang ditetapkan dan disetujui sebelumnya.
Padanan tingkat bagi hasil per tahun untuk The annual equivalent revenue sharing ratio for
deposito berjangka Mudharabah: Mudharabah time deposits follows:
2013 2012
1 bulan 6,43% 6,14% 1 month
Performance
3 bulan 6,57% 6,27% 3 months
6 bulan 6,71% 6,40% 6 months
12 bulan 6,85% 6,53% 12 months
Lebih dari 12 bulan 6,85% 6,53% More than 12 months
30. MODAL SAHAM 30. SHARE CAPITAL
Good Corporate
Governance
Pada tanggal 31 Desember 2013, susunan As of December 31, 2013, the composition of the
pemegang saham adalah sebagai berikut: Bank’s shareholders follows:
Jumlah lembar
saham ditempatkan
dan disetor penuh/ Persentase Total dalam
Corporate Social
Number of shares kepemilikan/ Rupiah/
Responsibility
issued and Percentage of Amount in
Pemegang saham fully paid ownership Rupiah Shareholders
Saham Seri A Class A Shares

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:
Consolidated
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 -
Corporate Data
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 -
131 529

30. MODAL SAHAM (lanjutan) 30. SHARE CAPITAL (continued)
pemegang saham adalah sebagai berikut Bank’s shareholders follows (continued):
(lanjutan):
31 Desember /December 31, 2013
Jumlah lembar
saham ditempatkan
Saham Seri A (lanjutan) Class B Shares (continued)

- 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
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
Saham Seri B Class B Shares
H. Muhadi H. Muhadi
(Komisaris) 2.341.500 0,024% 585 (Commissioner)
Bien Subiantoro 1.818.000 0,019% 455 Bien Subiantoro
(Direktur Utama) (President Director)
Arie Yulianto Arie Yulianto
(Direktur) 333.000 0,003% 83 (Director)
Masyarakat (kepemilikan di
bawah 5% untuk Public
setiap pihak) 2.419.580.000 24,954% 604.895 (ownership less than 5% each)
Total Saham Seri B 2.424.072.500 25,00% 606.018 Total Class B Shares
Total 9.696.291.166 100,00% 2.424.073 Total
530 132

pemegang saham adalah sebagai berikut: Bank’s shareholders follows:
Jumlah lembar
saham ditempatkan
Introduction
Saham Seri A Class A Shares

A. Provinsi Jawa Barat 3.709.994.733 38,26% 927.499 A. Province of West Java
B. Government of Municipalities/
Performance
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 -
Good Corporate
- Banjar 41.000.000 0,42% 10.250 Banjar -
Governance
- Cirebon 17.039.629 0,18% 4.260 Cirebon -
570.876.956 5,89% 142.719

- Bandung 680.906.967 7,02% 170.227 Bandung -
Corporate Social
Responsibility
- 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 -
Consolidated
- 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

Corporate Data
Kabupaten se-Provinsi and Regencies in the Province

Jawa Barat 2.289.395.681 23,61% 572.349 of West Java
133 531

pemegang saham adalah sebagai berikut Bank’s shareholders is as follows (continued):
(lanjutan):
Jumlah lembar
saham ditempatkan
Saham Seri A (lanjutan) Class A Shares (continued)

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
Saham Seri B Class B Shares
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
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
Total 9.696.291.166 100,00% 2.424.073 Total
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.
532 134

31. TAMBAHAN MODAL DISETOR 31. ADDITIONAL PAID IN CAPITAL
Pada tanggal 31 Desember 2013 dan 2012, Bank As of December 31, 2013 and 2012, 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
Introduction
Neto 823.423 Net
32. MODAL DISETOR LAINNYA 32. OTHER PAID-UP CAPITAL
Bank tidak menerima penambahan setoran modal Bank did not received additional capital
dari pemegang saham pada tahun 2013 dan 2012. contributions from the existing shareholders in
Performance
2013 and 2012.
33. PENGGUNAAN LABA 33. DISTRIBUTIONS OF INCOME
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
Good Corporate
Governance
sebagaimana tercantum dalam Akta Notaris No. 119 of R. Tendy Suwarman, SH.
No. 119 oleh R. Tendy Suwarman, SH.
Penggunaan laba tahun 2011 ditetapkan Income distributions for the year 2011 was made
berdasarkan keputusan Rapat Umum Pemegang based on the General Shareholders’ Meeting
Saham (RUPS) tanggal 26 Maret 2012, dated March 26, 2012, as stated in Notarial Deed
sebagaimana tercantum dalam Akta Notaris No. 98 No. 98 of R. Tendy Suwarman, SH.
Corporate Social
oleh R. Tendy Suwarman, SH.
Responsibility
Berdasarkan keputusan RUPS tahun 2013 dan Based on the above General Shareholders’
2012 tersebut di atas, penggunaan laba tahun Meeting year 2013 and 2012, the distributions of
2012 dan 2011 ditetapkan sebagai berikut: income for the financial years 2012 and 2011,
were as follows:
2013 2012
Consolidated
Pembagian dividen 663.845 592.173 Dividend distributions
Pembentukan cadangan umum 521.592 355.304 General reserve
Pembagian jasa produksi 222.269 177.652 Employees bonus
Corporate social responsibility 74.090 59.217 Corporate social responsibility
Jumlah dividen yang diumumkan untuk masing- The dividends declared for each period were as
Corporate Data
masing periode adalah sebagai berikut: follows:

Jumlah/ Per saham (nilai penuh)/
Periode Amount Per share (full amount) Period
Distribusi pada tahun 2013 untuk laba tahun 2012 663.845 68 Distribution in 2013 from 2012 net income
Distribusi pada tahun 2012 untuk laba tahun 2011 592.173 61 Distribution in 2012 from 2011 net income
Untuk tahun yang berakhir pada tanggal-tanggal For the years ended December 31, 2013 and
31 Desember 2013 dan 2012, jasa produksi dan 2012, employees bonus and corporate social
beban corporate social responsibility dibukukan responsibility expenses are recorded as expenses
sebagai beban pada laporan laba rugi in the current year consolidated statements of
komprehensif konsolidasian tahun berjalan. comprehensive income.
135 533

34. PENDAPATAN BUNGA DAN SYARIAH 34. INTEREST AND SHARIA INCOME
2013 2012
Rupiah Rupiah
Kredit yang diberikan dan piutang Loans and recievables
Kredit yang diberikan 6.736.328 5.481.866 Loans
Penempatan pada Bank Placements with Bank Indonesia
Indonesia dan bank lain 325.666 482.135 and other banks
Giro pada Bank Indonesia 25.248 24.220 Bank Indonesia
Giro pada bank lain 6.271 5.203 Current accounts with other banks
Wesel ekspor dan tagihan lainnya 840 53 Bills and other receivables
Syariah Sharia
Margin 261.317 157.499 Margin
Bagi Hasil 188.703 117.329 Profit Sharing
Pendapatan Sewa Ijarah 44.051 66.018 Ijarah lease income
Fee ujroh pembatalan pesanan 477 197 Ujroh order cancellation fee
Lainnya 2 - Others
Bonus Syariah - 1.046 Sharia Bonus
Nilai wajar melalui Fair value
laba rugi through profit or loss
Dimiliki hingga jatuh tempo Held to maturity

Kredit yang diberikan dan piutang Loans and receivables
Kredit yang diberikan Loans
Dolar Amerika Serika t 21.238 22.936 United States Dollar
Wesel ekspor dan tagihan lainnya 1.751 2.901 Bills and other receivables
Indonesia dan bank lain and other banks
Dolar Amerika Serikat 244 68 United States Dollar
Dimiliki hingga jatuh tempo Held to maturity
Surat berharga Marketable securities
Dolar Amerika Serikat 877 86 United States Dollar
Total 8.096.294 6.782.159 Total

Sharia Financing Fees
Provisi dan Komisi Pembiayaan Syariah 36.694 13.527 and Commissions
Total 8.132.988 6.795.686 Total
534 136

35. BEBAN BUNGA DAN BAGI HASIL SYARIAH 35. INTEREST EXPENSE AND SHARIA PROFIT
SHARING
2013 2012
Rupiah Rupiah
Simpanan nasabah 2.292.022 2.405.061 Deposits from customers
Introduction
Efek hutang yang diterbitkan 283.230 277.691 Debt securities issued
Bagi hasil syariah 239.375 150.109 Sharia profit sharing
Premi asuransi kredit 102.971 73.894 Loan insurance premium
Premi penjaminan 97.477 97.323 Guarantee premium
Pinjaman yang diterima 10.183 2.153 Borrowings
Lain-lain 240 251 Others
Performance
3.346.190 3.136.665
Simpanan nasabah 3.950 2.426 Deposits from customers
Premi asuransi kredit 640 1.011 Loan insurance premium
Simpanan dari bank lain 65 209 Deposits from other banks
4.655 3.646
Good Corporate
Total 3.350.845 3.140.311 Total
Governance
36. PENDAPATAN OPERASIONAL LAINNYA 36. OTHER OPERATING INCOME
Corporate Social
Responsibility
2013 2012
Provisi dan komisi selain dari Non-loan related fees and

kredit yang diberikan commissions
Rupiah Rupiah
Provisi dan komisi 248.621 207.672 Fees and commissions
Fee komitmen 12.208 5.505 Commitment fees
Provisi dan komisi 7.883 5.289 Fees and commissions
Consolidated
Fee komitmen 7 747 Commitment fees
268.719 219.213
Penerimaan kembali kredit

yang telah dihapus buku 136.140 73.537 Recoveries from loans written-off
Keuntungan dari penjualan surat berharga Gain on sale of held-for-trading
untuk diperdagangkan - neto 1.926 1.195 marketable securities - net
Corporate Data
Gain from foreign exchange

Keuntungan transaksi valuta asing - neto 32.636 14.627 transactions - net
Total 457.258 330.362 Total
137 535

37. BEBAN OPERASIONAL LAINNYA 37. OTHER OPERATING EXPENSES
2013 2012
Beban umum dan administrasi General and administrative expenses

Promosi 214.601 119.123 Promotion
Sewa 216.296 127.889 Rental
Pemeliharaan dan perbaikan 106.671 81.960 Maintenance and repairs
Gaji tenaga kerja kontrak 171.233 194.117 Contracted employee salaries
Penyusutan dan amortisasi 91.585 81.197 Depreciation and amortization
Komunikasi 73.334 54.375 Communication
Biaya listrik, air dan gas 45.318 31.625 Electricity, water and gas
Alat tulis kantor 44.455 36.712 Office supplies
Perjalanan dinas 38.939 28.191 Business trip
Fee konsultan 27.259 30.124 Consultant fees
Premi asuransi 20.762 23.731 Insurance premium
1.256.991 986.237
Beban tenaga kerja dan tunjangan Salaries and employee benefits
Gaji dan upah 502.678 375.934 Salaries and wages
Tunjangan karyawan 432.177 316.628 Employee benefits
Jasa produksi 265.165 225.443 Employees bonus
Pendidikan dan pelatihan 65.923 49.335 Education and training
1.265.943 967.340
Penyisihan (reversal) kerugian penurunan Provision (reversal) for impairment losses
nilai atas aset keuangan dan on financial and
non keuangan - neto non-financial assets - net
Kredit yang diberikan 544.051 361.327 Loans
Pembiayaan syariah 70.448 43.840 Sharia financing
Penyertaan saham 3.305 (2.100) Investments in shares
Giro pada bank lain 22 (23) Current accounts with other banks
Penempatan pada bank lain (1.759) 344 Placements with other banks
616.067 403.388
Kerugian yang belum direalisasi Unrealized loss on changes in
atas perubahan nilai wajar surat berharga 56.585 716 fair value marketable securities
Penyisihan kerugian penurunan Provision for impairment losses
nilai atas komitmen dan kontinjensi 65 133 on Commitments and contingencies
Beban lainnya Other expenses

Corporate Social Responsibility 86.041 74.090 Corporate Social Responsibility
Representasi klien 36.434 16.392 Client representation
Iuran 3.925 2.957 Contributions
Biaya subrograsi 74 8.734 Subrogation expenses
291.819 208.682
Total 3.487.470 2.566.496 Total
Gaji dan kompensasi lainnya yang diperuntukkan 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 2013 dan 2012 December 31, 2013 and 2012 amounted to
masing-masing adalah sebesar Rp46.916 dan Rp46,916 and Rp28,402, respectively.
Rp28.402.
536 138

37. BEBAN OPERASIONAL LAINNYA (lanjutan) 37. OTHER OPERATING EXPENSES (continued)
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 2013 December 31, 2013 and 2012 amounted to
dan 2012 masing-masing sebesar Rp18.652 dan Rp18,652 and Rp22,002, respectively.
Rp22.002.
Introduction
38. PENDAPATAN/BEBAN NON-OPERASIONAL 38. NON-OPERATING INCOME/EXPENSES
2013 2012
Pendapatan non-operasional Non-operating income
Reimbursement from credit
Performance
Penggantian dari asuransi kredit - 8.578 insurance institution
Pendapatan dividen 6.116 5.686 Dividend income
Total 27.497 112.185 Total
Beban non-operasional Non-operating expenses

Transfer payment 5.771 5.540 Transfer payment
Good Corporate
Denda 971 714 Penalty
Governance
39. KOMITMEN DAN KONTINJENSI 39. COMMITMENTS AND CONTINGENCIES

2013 2012
Corporate Social
Responsibility
Tagihan komitmen Commitments receivables
Posisi penjualan spot dan derivatif Outstanding spot
yang masih berjalan 182.550 - and derivatives sale
Lainnya 1.847.952 1.619.886 Others
2.030.502 1.619.886
Liabilitas komitmen Commitments liabilities
Consolidated
Fasilitas kredit kepada debitur
yang belum digunakan (3.367.589) (3.090.909) Unused loan facilities
Posisi penjualan spot dan derivatif Outstanding spot
yang masih berjalan 219.375 28.912 and derivatives sale
Irrevocable letters of credit Outstanding irrevocable
yang masih berjalan 155.811 93.166 letters of credit
Lainnya 1.579.010 1.170.389 Others
Corporate Data
(1.413.393) (1.798.442)
Tagihan kontinjensi Contingent receivables

Tagihan bunga dan marjin Interest receivable and margin on
piutang dalam penyelesaian 215.842 84.026 receivable non-performing assets
Liabilitas kontinjensi Contingent liabilities

Garansi yang diterbitkan (1.313.538) (1.130.597) Guarantees issued
139 537

40. ASET KEUANGAN DAN LIABILITAS 40. FINANCIAL ASSETS AND FINANCIAL
KEUANGAN LIABILITIES
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 statements 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 statements of financial position.
Tabel di bawah ini menyajikan nilai tercatat dan The table below presents the carrying amounts
nilai wajar aset dan liabilitas keuangan Bank pada and fair values of the Bank’s financial assets and
tanggal 31 Desember 2013 dan 2012. liabilities as of December 31, 2013 and 2012.
Nilai wajar/
Nilai Tercatat/Carrying amount Fair value
___________________
Kewajiban
keuangan
Nilai wajar pada biaya Total
Kredit yang Dimiliki Tersedia melalui laporan perolehan nilai
diberikan hingga untuk laba rugi/ diamortisasi/ tercatat/ Total
dan piutang/ jatuh dijual/ Fair value Financial Total nilai wajar/
Loans and tempo/ Available- through liabilities at carrying Total fair
receivables Held-to-maturity for-sale profit or loss amortized cost amount value
Aset Keuangan Financial Assets

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
Penempatan pada Bank Placements with Bank
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*)
Total aset keuangan 58.181.942 9.593.557 24.415 698.253 - 68.498.167 68.457.781 Total financial assets
Liabilitas Keuangan Financial Liabilities

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
Efek-efek yang dijual Marketable securities
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
Total liabilitas keuangan - - - - 60.769.680 60.769.680 60.769.680 Total financial liabilities
*) Terdiri dari setoran jaminan *) Consist of security deposits.
538 140

KEUANGAN (lanjutan) LIABILITIES (continued)
Nilai wajar/
Nilai Tercatat/Carrying amount Fair value
___________________
Kewajiban
keuangan
Nilai wajar pada biaya Total
Kredit yang Dimiliki Tersedia melalui laporan perolehan nilai
diberikan hingga untuk laba rugi/ diamortisasi/ tercatat/ Total
Introduction
dan piutang/ jatuh dijual/ Fair value Financial Total nilai wajar/
Loans and tempo/ Available- through liabilities at carrying Total fair
receivables Held-to-maturity for-sale profit or loss amortized cost amount value

Kas 1.795.074 - - - - 1.795.074 1.795.074 Cash
Giro pada Bank Indonesia 4.666.015 - - - - 4.666.015 4.666.015 Bank Indonesia
Giro pada bank lain 289.686 - - - - 289.686 289.686 other banks

Indonesia dan bank lain 8.011.739 - - - - 8.011.739 8.011.739 Indonesia and other banks
Performance
Surat berharga - 3.621.410 - 521.582 - 4.142.992 4.054.638 Marketable securities
Efek-efek yang dibeli Marketable securities
dengan janji purchased under
dijual kembali - - 11.567.261 - - 11.567.261 11.567.261 agreements to resell
Wesel Ekspor Bills and
dan tagihan lainnya 67.400 - - - - 67.400 67.400 other receivables
pembiayaan syariah 37.649.201 - - - - 37.649.201 37.649.201 Loans and sharia financing
Tagihan akseptasi 224.975 - - - - 224.975 224.975 Acceptance receivables
Penyertaan saham - - 27.720 - - 27.720 27.720 Investments in shares
Bunga yang masih
Good Corporate
akan diterima 350.560 - - - - 350.560 350.560 Interest receivables
Governance
Aset lain-lain*) 7.078 - - - - 7.078 7.078 Other assets*)
Total aset keuangan 53.061.728 3.621.410 11.594.981 521.582 - 68.799.701 68.711.347 Total financial assets

Liabilitas segera - - - - 1.761.134 1.761.134 1.761.134 Obligations due immediately
Simpanan nasabah dan Deposits from customers
simpanan nasabah and deposits from customer
syariah - - - - 47.927.513 47.927.513 47.927.513 sharia
Simpanan dari bank lain - - - - 6.392.634 6.392.634 6.392.634 Deposits from other banks
dengan janji
Corporate Social
sold under
Responsibility
dibeli kembali - - - - 1.922.795 1.922.795 1.922.795 repurchase agreements
Liabilitas akseptasi - - - - 224.975 224.975 224.975 Acceptance liabilities
Efek hutang yang diterbitkan - - - - 2.395.091 2.395.091 2.395.091 Debts securities issued
Pinjaman yang diterima - - - - 231.160 231.160 231.160 Borrowings
Bunga yang masih
harus dibayar - - - - 129.272 129.272 129.272 Interest payables
Liabilitas lain-lain - - - - 700.401 700.401 700.401 Other liabilities
Total liabilitas keuangan - - - - 61.684.975 61.684.975 61.684.975 Total financial liabilities
*) Terdiri dari setoran jaminan *) Consist of security deposits.
Consolidated
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:
keuangan:
(i) Tingkat 1: dikutip dari harga pasar aktif untuk (i) Level 1: Quoted (unadjusted) prices in active
Corporate Data
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).
141 539

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):
31 Desember/
December 31, 2013
Tingkat 1/ Tingkat 2/ Tingkat 3/

Level 1 Level 2 Level 3 Total

Nilai wajar melalui laporan
laba rugi Fair value through profit or loss
Surat berharga 281.261 416.992 - 698.253 Marketable securities
Total nilai wajar melalui laporan

laba rugi 281.261 416.992 - 698.253 Total fair value through profit or loss
31 Desember/
December 31, 2012
Tingkat 1/ Tingkat 2/ Tingkat 3/

Level 1 Level 2 Level 3 Total

Nilai wajar melalui laporan
Surat berharga 471.675 49.907 - 521.582 Marketable securities
Total nilai wajar melalui laporan

laba rugi 471.675 49.907 - 521.582 Total fair value through profit or loss
Pada tanggal 31 Desember 2013 dan 2012, Bank As of December 31,2013 and 2012, the Bank
tidak memiliki instrumen keuangan yang diakui has no financial instrument recognized at fair
pada nilai wajar yang diukur berdasarkan tingkat 3, value measured using level 3, and there were
dan tidak ada perpindahan diantaranya. no transfer among levels.
(i) Giro pada Bank Indonesia, giro pada bank lain, (i) Current accounts with Bank Indonesia, current
penempatan pada Bank Indonesia dan bank accounts with other banks, placements with
lain, surat-surat berharga, efek-efek yang dibeli Bank Indonesia and other banks, marketable
dengan janji dijual kembali, wesel ekspor dan securities, marketable securities purchased
tagihan lainnya, penyertaan saham, tagihan under agreements to resell, bills and other
akseptasi dan aset lain-lain. receivables, investment in shares, acceptance
receivables and other assets.
Nilai tercatat dari kas dan setara kas, giro dan Carrying values of cash and cash equivalents,
penyertaan saham serta penempatan dengan current accounts and investments in shares
suku bunga mengambang adalah perkiraan and placements at floating interest rates are
yang layak atas nilai wajar. reasonable estimates of fair value.
Estimasi nilai wajar terhadap penempatan The estimated fair value of placements with
dengan suku bunga tetap, surat-surat berharga, fixed interest rate, marketable securities,
efek-efek yang dibeli dengan janji dijual marketable securities purchased under
kembali, wesel ekspor dan tagihan lainnya, agreements to resell, export drafts and other
tagihan akseptasi dan aset lain-lain ditetapkan receivables, acceptance receivables and other
berdasarkan diskonto arus kas dengan assets are determined based on discounted
menggunakan suku bunga pasar uang yang cash flows using prevailing money market
berlaku untuk aset-aset keuangan dengan risiko interest rates for financial assets with similar
kredit dan sisa jatuh tempo yang serupa. credit risk and remaining maturity. Since the
Karena sisa jatuh tempo di bawah satu tahun residual maturity dates are below one year, the
sehingga nilai tercatat dari penempatan dengan carrying amount of fixed rate placements,
suku bunga tetap, efek-efek yang dibeli dengan marketable securities purchased under
janji dijual kembali, penyertaan saham dan aset agreements to resell, investment in shares and
lain-lain akan mendekati nilai wajar. other assets are approximately the same as fair
value.
540 142

(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. Loans are stated at
mengambang. Kredit yang diberikan dinyatakan carrying amount. The fair value of loans shows
berdasarkan jumlah nilai tercatat. Nilai wajar the estimated value of discounted future cash
Introduction
dari kredit yang diberikan menunjukkan nilai flows expected to be received by the Bank.
diskon dari perkiraan arus kas masa depan Estimated cash flows are discounted using
yang diharapkan akan diterima oleh Bank. market interest rate to determine the fair value.
Perkiraan arus kas ini didiskontokan dengan
menggunakan suku bunga pasar untuk
menentukan nilai wajar.
Nilai tercatat dari kredit yang diberikan dengan Carrying value of loans with floating interest
Performance
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) Liabilitas segera, simpanan dari nasabah dan (iii) Obligations due immediately, deposits from
simpanan dari bank lain, liabilitas akseptasi dan customers and deposits from other banks,
liabilitas lain-lain. acceptances payable and other liabilities.
Good Corporate
Governance
Estimasi nilai wajar liabilitas segera, simpanan The estimated fair value of obligations due
tanpa jatuh tempo, termasuk simpanan tanpa immediately, deposits with no maturity,
bunga adalah sebesar jumlah terhutang ketika including non-interest-bearing deposit
hutang tersebut dibayarkan. represent the payable amount when the debt is
paid.
Estimasi nilai wajar terhadap simpanan dengan The estimated fair value of deposits with fixed
tingkat suku bunga tetap, liabilitas akseptasi interest rates, acceptances payable and other
Corporate Social
Responsibility
dan liabilitas lain-lain yang tidak memiliki kuotasi liabilities that do not have a quotation price in
di pasar aktif ditetapkan berdasarkan diskonto an active market is determined based on
arus kas dengan menggunakan suku bunga discounted cash flows using interest rates of
hutang baru dengan sisa jatuh tempo yang new debt with similar maturities. Because the
serupa. Karena sisa jatuh tempo dibawah satu maturity date is below one year, the carrying
tahun sehingga nilai tercatat dari simpanan amount of fixed rate deposits, acceptance
payables and other liabilities are the
dengan suku bunga tetap, liabilitas akseptasi
Consolidated
dan liabilitas lain-lain adalah perkiraan yang reasonable estimate of fair values.
layak atas nilai wajar.
(iv) Surat-surat berharga (iv) 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
Corporate Data
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.
dan yield yang serupa.
(v) Efek hutang yang diterbitkan dan pinjaman yang (v) Debt securities issued and borrowings
diterima
Nilai wajar agregat dihitung berdasarkan harga The aggregate fair value is calculated based
pasar kuotasi. Jika informasi ini tidak tersedia, on quoted market prices. If this information is
model diskonto arus kas digunakan berdasarkan not available, the discounted cash flow model
kurva yield terkini yang sesuai dengan sisa used is based on the current yield curve
periode jatuh temponya. according to the remaining period to maturity.
143 541

41. IMBALAN KERJA 41. EMPLOYEE BENEFITS
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. 784/SK/DIR-DJS/2008 dated
No. 784/SK/DIR-DJS/2008 tanggal 29 Oktober October 29, 2008 that the Pension Fund
2008 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-232/KM.10/2008 tentang No. Kep-232/KM.10/2008 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. 433/SK/DIR-SDM/2006 tanggal 25 Desember No. 433/SK/DIR-SDM/2006 dated December 25,
2006. Imbalan PMK berupa pembayaran yang 2006. The PMK benefit represents a payment
jumlahnya sebesar masing-masing 400%, 600% amounting to 400%, 600% and 800% of the
dan 800% dari penghasilan dasar pensiun (PhDP) employee’s pension base salary (PhDP) to
kepada pegawai dengan masa kerja 15 tahun, employees with working service periods of 15,
25 tahun dan 30 tahun dengan syarat hasil 25 and 30 years, respectively. The qualifying
penilaian kinerja dua tahun terakhir berpredikat employee is required to have good results in the
baik. 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.
542 144

41. IMBALAN KERJA (lanjutan) 41. EMPLOYEE BENEFITS (continued)
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
Introduction
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 2013 dan 2012 December 31, 2013 and 2012 are obtained by the
diperoleh dari laporan aktuaria masing-masing actuarial reports date January 13, 2014 and
pada tanggal 13 Januari 2014 dan 27 Februari February 27, 2013, respectively.
2013.
Performance
Asumsi-asumsi utama yang digunakan dalam Key assumptions used in the actuarial calculation
perhitungan aktuaria adalah sebagai berikut: are as follows:
2013 2012
Asumsi ekonomi Economic assumptions

Tingkat diskonto per tahun 9,0% 6,0% Annual discount rate
Good Corporate
Tingkat bunga imbal hasil Investment yield of
Governance
investasi aset 9,0% 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/
Corporate Social
Responsibility
0.25% of GAM 1971 0.25% of GAM 1971
Usia pensiun dipercepat 45 45 Early retirement age
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 2013 dan 2012 status as of December 31, 2013 and 2012 are as
Consolidated
adalah sebagai berikut: follows:
a. Imbalan kerja - neto adalah sebagai berikut: a. Net retirement assets (liabilities) are as follows:
31 Desember 2013/December 2013
Program Program Program

Pensiun/ THT/ Lainnya/
Corporate Data
Pension THT Other Total/

Plan Benefit Plan Benefits Total
Nilai wajar aset program 711.619 313.535 - 1.025.154 Fair value of plan assets
Present value of
Nilai kini liabilitas (564.649) (279.320) (138.265) (982.234) retirement obligation
Keuntungan/kerugian aktuaria Unrecognized actuarial
yang belum diakui 5.836 (19.562) 17.479 3.753 gains/losses
Biaya jasa lalu Unrecognized
yang belum diakui - 39.582 4.862 44.444 past service cost
Total 152.806 54.235 (115.924) 91.117 Total
145 543

a. Imbalan kerja - neto adalah sebagai berikut a. Net retirement assets (liabilities) are as follows
(lanjutan): (continued):

Nilai wajar aset program 700.862 268.531 - 969.393 Fair value of plan assets
Present value of
Nilai kini liabilitas (741.356) (324.140) (160.148) (1.225.644) retirement obligation
Keuntungan aktuaria Unrecognized actuarial
yang belum diakui 192.921 60.878 54.378 308.177 gains
yang belum diakui - 44.651 5.991 50.642 past service cost
Total 152.427 49.920 (99.779) 102.568 Total
Aset dana pensiun dan YKP terutama terdiri Pension fund and YKP assets consist mainly of
dari obligasi dan deposito berjangka. bonds and time deposits.
Kelebihan nilai wajar aset program pensiun Excess of assets’ fair value of pension plan
dan program THT tidak diakui di laporan posisi and THT benefit plan were not recognized in
keuangan konsolidasian karena ketentuan the consolidated statements of financial
untuk pengakuan aset yang disyaratkan dalam position as the assets did not meet the
standar akuntansi tidak terpenuhi. recognition criteria under the accounting
standards.
b. Pendapatan (biaya) program imbalan kerja b. Employee benefits income (expenses) for the
untuk tahun yang berakhir pada tanggal- years ended December 31, 2013 and 2012
tanggal 31 Desember 2013 dan 2012 adalah are as follows:
sebagai berikut:

Biaya jasa kini (17.602) (27.640) (18.857) (64.099) Current service cost
Biaya bunga (42.522) (18.560) (8.709) (69.791) Interest cost
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
Total (14.803) (31.724) (31.133) (77.660) Total

Rugi aktuaria (9.706) (1.309) (1.705) (12.720) Actuarial loss
Biaya jasa lalu - vested (40) - - (40) Past service cost - vested
Biaya jasa lalu - non vested - (5.068) (1.583) (6.651) Past service cost - non vested
Hasil yang diharapkan atas
aset dana pensiun 38.531 19.622 - 58.153 Expected return on plan assets
Total (40.811) (35.727) (33.953) (110.491) Total
544 146


c. Rekonsiliasi atas perubahan aset (liabilitas) c. Following are the reconciliation of the
imbalan kerja selama tahun berjalan adalah movements of employee benefit assets
sebagai berikut: (liabilities) during the years:

Introduction
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
Saldo akhir 152.806 54.235 (115.924) 91.117 Ending balance
Performance

Saldo awal 178.110 54.573 (78.273) 154.410 Beginning balance
Good Corporate
Governance
Beban tahun berjalan (40.811) (35.727) (33.953) (110.491) Current year expense
Kontribusi pemberi kerja 15.128 31.074 - 46.202 Employer’s contribution
Imbalan yang dibayarkan - - 12.447 12.447 Actual benefits paid
Saldo akhir 152.427 49.920 (99.779) 102.568 Ending balance
d. Mutasi nilai kini liabilitas pensiun adalah d. The movements in the present value of
sebagai berikut: retirement obligation are as follows:
Corporate Social
Responsibility

Saldo awal (741.356) (324.140) (160.148) (1.225.644) Beginning balance
Consolidated
Tambahan biaya Additional past service
jasa lalu - vested - - - - costs - vested
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
Saldo akhir (564.649 ) (279.320) (138.265) (982.234) Ending balance

Corporate Data

Saldo awal (676.751) (247.311) (123.644) (1.047.706) Beginning balance

Tambahan biaya Additional past service
jasa lalu - vested - - - - costs - vested
Imbalan yang dibayarkan 30.973 22.860 12.447 66.280 Actual benefits paid
Rugi aktuaria pada kewajiban (25.982) (50.717) (18.286) (94.985) Actuarial loss on obligation
Saldo akhir (741.356) (324.140) (160.148) (1.225.644) Ending balance
147 545

e. Mutasi nilai wajar aset program adalah e. The movements in the fair value of plan
sebagai berikut: assets are as follows:

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
Saldo akhir 711.619 313.535 - 1.025.154 Ending balance

Saldo awal 638.106 245.268 - 883.374 Beginning balance

Hasil yang diharapkan atas Expected return on
aset dana pensiun 38.531 19.621 - 58.152 plan assets
Kontribusi Bank 15.128 31.074 - 46.202 Bank’s contribution
Imbalan yang dibayarkan (30.973) (22.860) - (53.833) Actual benefits paid
Laba (rugi) aktuaria Actuarial gain (loss)
pada aset program 40.070 (4.572) - 35.498 on plan asset
Saldo akhir 700.862 268.531 - 969.393 Ending balance
f. Saldo imbalan kerja untuk posisi 31 Desember f. Balance of employee benefits as of

2013 dan posisi selama empat tahun December 31, 2013 and previous four years
sebelumnya: are as follows:
Program Pensiun/Pension Plan
2013 2012 2011 2010 2009

_____ _ _ _____________________
Nilai wajar aset program 711.619 700.862 638.106 634.958 550.859 Fair value of plan assets
Nilai kini dari kewajiban Present value of
pensiun (564.649) (741.356) (676.751) (526.525) (459.575) retirement obligation
_____ _ _ _____________________
Status pendanaan 146.970 (40.494) (38.645) 108.433 91.284 Funded status

Keuntungan aktuaria Unrecognized actuarial
yang belum diakui 5.836 192.921 216.755 70.431 66.521 gain
_____ _ _ _____________________
Kewajiban pensiun 152.806 152.427 178.110 178.864 157.805 Retirement obligation
Penyesuaian pada Experience adjustments

kewajiban pensiun 22.030 (61.470) 81.743 (30.126) 86.355 on retirement obligation
aset program (27.837) 40.069 (33.626) 34.279 52.953 on plan assets
546 148


f. Saldo imbalan kerja untuk posisi 31 Desember f. Balance of employee benefits as of
2013 dan posisi selama empat tahun December 31, 2013 and previous four years
sebelumnya (lanjutan): are as follows (continued):
Program THT/THT Benefit Plan
2013 2012 2011 2010 2009

_____ _ _ _____________________
Introduction
Nilai wajar aset program 313.535 268.531 245.268 236.266 236.730 Fair value of plan assets
_____ _ _____________________
Status pendanaan 34.215 (55.609) (2.043) 21.003 (593) Funded status

Keuntungan (kerugian)
aktuaria yang Unrecognized actuarial
belum diakui (19.562) 60.878 6.897 (22.029) (21.747) gain (loss)

Performance
yang belum diakui 39.582 44.651 49.719 58.017 63.179 past service cost
_____ _ _ _____________________
Experience adjustments
Penyesuaian pada on retirement
kewajiban pensiun (39.814) 30.968 15.468 (2.568) (44.265) obligation
aset program 2.292 (4.572) 19.753 (3.679) 86.260 on plan assets
Good Corporate
Governance
Program Lainnya/Other Benefits
2013 2012 2011 2010 2009

_____ _ _____________________
Nilai wajar aset program - - - - - Fair value of plan assets

_____ _ _____________________
Status pendanaan (138.265) (160.148) (123.644) (88.312) (88.020) Funded status

Keuntungan
Corporate Social
Responsibility
Aktuaria yang Unrecognized actuarial
belum diakui 17.479 54.378 37.798 13.870 18.196 gain
_____ _ _____________________
Kewajiban pensiun (115.924) (99.779) (78.273) (65.740) (59.974) Retirement obligation

kewajiban pensiun (17.447) (1.959) 5.923 (10.376) (1.947) on retirement obligation
Consolidated
aset program - - - - - on plan assets
Total Program/Total Benefits
2013 2012 2011 2010 2009

_____ _ _____________________
Nilai wajar aset program 1.025.154 969.393 883.374 871.224 787.589 Fair value of plan assets
pensiun (982.234) (1.225.644) (1.047.706) (830.100) (784.918) retirement obligation
_____ _ _ _____________________
Corporate Data
Status pendanaan 42.920 (256.251) (164.332) 41.124 2.671 Funded status

Keuntungan (kerugian)
Aktuaria yang Unrecognized actuarial
belum diakui 3.753 308.177 261.450 62.272 62.970 gain (loss)
Pembatasan aset
imbalan kerja - - - - - Asset ceiling limitation
_____ _ _ _____________________
Experience adjustments
Penyesuaian pada on retirement
kewajiban pensiun (35.231) (32.461) 103.134 (43.070) 40.143 obligation
aset program (25.545) 35.497 (13.873) 30.600 139.213 on plan assets
149 547


g. Kategori utama dari aset program sebagai g. The major categories of plan assets as a
presentase dari nilai wajar total aset program percentage of the fair value of total plan
adalah sebagai berikut: assets are as follows:
_______________
Program Pensiun/ Program THT/ Program Lainnya/

Pension Plan THT Benefit Plan Other Benefits
Instrumen liabilitas 51,0% 51,0% 0,0% Debt instruments

Simpanan pada bank lain 26,1% 26,1% 0,0% Deposits with other banks
Instrumen ekuitas 22,7% 22,7% 0,0% Equity instruments
Properti 0,2% 0,2% 0,0% Properties
100,0% 100,0% 0,0%

_______________

Instrumen liabilitas 51,0% 51,0% 0,0% Debt instruments

Simpanan pada bank lain 26,1% 26,1% 0,0% Deposits with other banks
Instrumen ekuitas 22,7% 22,7% 0,0% Equity instruments
Properti 0,2% 0,2% 0,0% Properties
100,0% 100,0% 0,0%
h. Tabel berikut ini menyajikan bagian dari h. The following tables show the portion of the
portofolio investasi aset program yang plan assets invested in the Bank’s financial
ditempatkan dalam bentuk instrumen instruments:
keuangan Bank:
_______________

Instrumen liabilitas 164.215 64.690 11.300 Debt instruments

Simpanan pada bank lain 390.804 - - Deposits with other banks
Instrumen ekuitas 82.258 4.410 - Equity instruments
637.277 69.100 11.300

_______________

Instrumen liabilitas 31.965 - - Debt instruments

Simpanan pada bank lain 48.650 80.452 - Deposits with other banks
Instrumen ekuitas 779 4.410 - Equity instruments
81.394 84.862 -
Jumlah liabilitas cadangan imbalan kerja As of December 31, 2013 and 2012, the
berdasarkan hasil perhitungan aktuaria estimated employee benefits liability based on
independen (PT Dian Artha Tama) adalah the calculation of the independent actuary
sebesar Rp115.924 dan Rp99.779 masing- (PT Dian Artha Tama) amounted to
masing pada tanggal 31 Desember 2013 dan Rp115,924 and Rp99,779, respectively (Note
2012 (Catatan 28). Sedangkan beban imbalan 28). The related employee benefits expense
kerja karyawan sebesar Rp432.177 dan amounting to Rp432,177 and Rp316,628 are
Rp316.628 dibebankan pada laporan laba rugi recorded in the statements of consolidated
komprehensif konsolidasian untuk tahun yang comprehensive income for years ended
berakhir pada tanggal 31 Desember 2013 dan December 31, 2013 and 2012, respectively.
2012.
548 150


i. Tabel di bawah ini menyajikan sensitivitas nilai i. The following table demonstrates the
kini atas kewajiban pensiun dan biaya jasa kini sensitivity of present value of retirement
pada perubahan wajar dalam suku bunga obligation and current service cost to
pasar, dengan asumsi variabel lain dianggap reasonably possible change in market interest
tetap, pada 31 Desember 2013 dan 2012: rates, with all variables held constant, as of
December 31, 2013 and 2012, respectively:
Introduction
______________
NIlai Kini Kewajiban Pensiun/

Present Value of Retirement Obligation
______________

Kenaikan tingkat suku bunga Increase in interest rate
dalam 100 basis poin (49.699) (523) (7.401) by 100 basis point
Performance
Penurunan tingkat suku bunga Decrease in interest rate
dalam 100 basis poin 59.927 2.519 8.470 by 100 basis point
10.228 1.996 1.069
______________
Biaya Jasa Kini/Current Service Cost
Good Corporate
______________
Governance
Kenaikan tingkat suku bunga dalam Increase in interest rate

100 basis poin (2.376) (2.233) (1.434) by 100 basis point
Penurunan tingkat suku bunga dalam Decrease in interest rate
100 basis poin 2.834 2.441 1.687 by 100 basis point
458 208 253
Corporate Social
Responsibility
______________
NIlai Kini Kewajiban Pensiun/

Present Value of Retirement Obligation
______________

Consolidated
Kenaikan tingkat suku bunga Increase in interest rate
Penurunan tingkat suku bunga Decrease in interest rate
89.852 14.187 1.750

______________
Corporate Data
Biaya Jasa Kini/Current Service Cost

______________

Kenaikan tingkat suku bunga dalam Increase in interest rate

Penurunan tingkat suku bunga dalam Decrease in interest rate
765 (712) 390
151 549

42. LABA PER SAHAM DASAR 42. BASIC EARNINGS PER SHARE
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).
2013 2012
Laba tahun berjalan yang dapat Income for the year attributable
diatribusikan kepada pemilik entitas induk 1.372.913 1.192.684 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) 141,59 123,00 Basic earnings per share (full amount)
43. TRANSAKSI DENGAN PIHAK-PIHAK BERELASI 43. RELATED PARTY TRANSACTIONS
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.
Sifat hubungan
Pihak-pihak berelasi/ istimewa/ Nature of Transaksi/
No. Related parties relationship Transaction
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 Direksi, Komisaris, a. Kredit yang diberikan/Loans
management personnel Pemimpin Cabang, b. Simpanan nasabah/Deposits from
Kepala Divisi serta customers
anggota keluarga dekat c. Kredit yang diberikan/Loans
dengan orang-orang
tersebut/ Directors,
Commissioners, Heads of
Branches, Heads of
Divisions and close
members of the families of
such individuals
3. BPR dan PD-LPK/BPR Pengendalian bersama a. Penyertaan saham/Investment in
and PD-LPK oleh pemerintah provinsi shares
dan kabupaten/Joint b. Simpanan dari bank lain/Deposits
control by the from other banks
governments of the
provinces and regencies
4 PT Asuransi Bangun Penyertaan saham yang a. Asuransi aset tetap/Fixed assets
Askrida dicatat dengan metode insurance
biaya/Investment which
accounted under the cost
method
550 152

43. TRANSAKSI DENGAN PIHAK-PIHAK BERELASI 43. RELATED PARTY TRANSACTIONS (continued)
(lanjutan)
a. Tabel berikut menunjukkan jumlah agregat dari a. The following table shows the aggregate
transaksi pihak yang berelasi karena amounts of transactions with entities related to
hubungan kepemilikan dan/atau kepengurusan the ownership of management of the
pemerintah Republik Indonesia pada tanggal- Government of the Republic of Indonesia as of
tanggal 31 Desember 2013 dan 2012: December 31, 2013 and 2012:
Introduction
2013 2012
Aset Assets
Kredit yang diberikan dan pembiayaan/ Loans and sharia financing/
piutang syariah 929.108 194.835 receivables
Penyertaan saham 31.984 31.984 Investment in shares
Performance
Total aset dari pihak-pihak Total assets from
berelasi 961.092 226.819 related parties
Cadangan kerugian penurunan Allowance for impairment losses
nilai dari pihak-pihak berelasi (95.024) (8.242) for related parties
Total dari aset pihak-pihak Total assets from related

berelasi - neto 866.068 218.577 parties - net
Good Corporate
Governance
Persentase total aset pihak Percentage of total assets from
berelasi terhadap total aset 1,22% 0,31% related parties to total assets
Simpanan nasabah dan simpanan Deposits from customer and deposits from
Corporate Social
nasabah syariah 8.281.951 3.182.396 customer – sharia
Responsibility
Dana syirkah temporer 5.774 2.555 Temporary syirkah fund
Total liabilitias dan dana

syirkah temporer kepada Total liabilities and temporary
pihak-pihak berelasi 8.432.600 3.369.309 syirkah fund to related parties
Persentase total liabilitas dan dana Percentage of total liabilities and
Consolidated
syirkah temporer pihak berelasi temporary syirkah fund to related
terhadap total liabilitas parties to total liabilities
dan total dana syirkah temporer 13,13% 5,20% and temporary syirkah fund
Corporate Data
153 551

(lanjutan)
a. Tabel berikut menunjukkan jumlah agregat dari a. The following table shows the aggregate
transaksi pihak yang berelasi karena amounts of transactions with entities related to
hubungan kepemilikan dan/atau kepengurusan the ownership of management of the
pemerintah Republik Indonesia pada tanggal- Government of the Republic of Indonesia as of
tanggal 31 Desember 2013 dan 2012 December 31, 2013 and 2012 (continued):
(lanjutan):
2013 2012
Pendapatan bunga dan Interest income and income

bagi hasil from profit sharing
Kredit yang diberikan dan pembiayaan/ Loans and sharia financing/

Penyertaan Saham 6.116 5.686 Investment in shares
Total pendapatan bunga dan Total interest income and income

bagi hasil dari pihak-pihak from profit sharing from
berelasi 143.522 34.006 related parties
Persentase terhadap total Percentage to total interest

pendapatan bunga dan bagi income and income from
hasil 1,77% 0,50% profit sharing
Beban bunga dan bonus Interest and bonus expenses

Simpanan nasabah, simpanan Deposits from customer, deposits from
nasabah syariah, dan dana syirkah customer – sharia, and temporary
temporer 584.882 150.444 syirkah fund
Total beban bunga dan bonus Total interest and bonus expenses
dari pihak-pihak berelasi 594.276 154.204 from related parties

beban bunga dan bonus 17,74% 4,91% and bonus expense
b. Transaksi dengan manajemen kunci: b. Transactions with key management personnel:

2013 2012
Aset Assets
Kredit yang diberikan dan pembiayaan/ Loan and sharia financing/
Cadangan kerugian penurunan Allowance for impairment losses

nilai dari manajemen kunci (39) (2) for key management personnel
Total kredit yang diberikan dan Total loan and sharia financing/
piutang/pembiayaan syariah receivables from key
dari manajemen kunci 2.630 3.799 management personnel
Persentase terhadap total aset 0,00% 0,01% Percentage to total assets
nasabah syariah 3.487.557 11.200 customer – sharia
Persentase terhadap total liabilitas Percentage to total liabilities

dan dana syirkah temporer 5,43% 0,02% and temporary syirkah fund
552 154

(lanjutan)
b. Transaksi dengan manajemen kunci (lanjutan): b. Transactions with key management personnel
(continued):
2013 2012
Pendapatan bunga dan Interest income and income
Introduction
bagi hasil from profit sharing
Kredit yang diberikan dan piutang/ Loan and sharia
pembiayaan syariah 372 51 financing/receivables
pendapatan bunga dan bagi income and income from
hasil 0,00% 0,00% profit sharing
Beban bunga dan bonus Interest and bonus expenses
Performance
nasabah syariah 243 1.249 customer – sharia

beban bunga dan bonus 0,01% 0,04% and bonus expense
Jumlah agregat dari kompensasi terhadap The aggregate compensation of the key
Good Corporate
manajemen kunci Bank pada 2013 dan 2012 management personnel of the Bank in 2013 and
Governance
adalah sebagai berikut: 2012 follows:
2013 2012
Imbalan kerja jangka pendek 41.464 63.653 Short-term employee benefits

Imbalan pascakerja 6.440 7.265 Post - employment benefits
Imbalan kerja jangka panjang lainnya 76.208 45.557 Other long-term benefits
Total 124.112 116.475 Total
Corporate Social
Responsibility
Bank menetapkan Dewan Komisaris dan Direksi, The Bank considers the members of the Boards of
Kepala Divisi dan Kepala Cabang sebagai bagian Commissioners and Directors, Division Heads and
dari manajemen kunci Bank. Branch Heads as its key management personnel.
44. KEPENTINGAN NON-PENGENDALI 44. NON-CONTROLLING INTEREST

Rincian bagian kepentingan non-pengendali atas Details of non-controlling interests proportionate Consolidated
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:
2013 2012
Kepentingan non-pengendali Kepentingan non-pengendali

pada entitas anak yang pada entitas anak yang
Corporate Data
dikonsolidasi/non-controlling dikonsolidasi/non-controlling
interest in consolidated interest in consolidated
subsidiaries subsidiaries
Laba tahun Laba tahun

berjalan/ berjalan/
Aset neto/ Income for Aset neto/ Income for
Net asset the year Net asset the year
Entitas anak Subsidiaries

PT Bank Jabar Banten PT Bank Jabar Banten
Syariah 14.430 651 14.574 333 Syariah
PD BPR LPK Garut Kota 10.389 1.296 10.344 92 PD BPR LPK Garut Kota
PD BPR LPK
Jalan Cagak 9.225 1.527 8.769 195 PD BPR LPK Jalan Cagak
Neto 34.044 3.474 33.687 620 Net
155 553

45. INFORMASI SEGMEN USAHA 45. SEGMENT INFORMATION
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:
2013
Konvensional/ Syariah/ Eliminasi/

Conventional Sharia Elimination Total
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
Laba tahun berjalan 1.382.200 28.315 (34.128) 1.376.387 Income for the year
Total aset 66.974.629 4.695.088 (711.484) 70.958.233 Total assets
2012
Konvensional/ Syariah/ Eliminasi/

Conventional Sharia Elimination Total
Pendapatan segmen 6.440.774 354.912 - 6.795.686 Segment income

Beban segmen (2.990.202) (150.109) - (3.140.311) Segment expenses
Pendapatan segmen - neto 3.450.572 204.803 - 3.655.375 Segment Income - net
Pendapatan operasional
lainnya 321.890 8.472 - 330.362 Other operating income
Penyisihan kerugian penurunan Provision for impairment
nilai aset keuangan dan losses on financial assets
non-aset keuangan (360.965) (44.851) 2.428 (403.388) and non-financial assets
Beban estimasi Estimated losses on
kerugian komitmen dan commitments and
kontinjensi - (133) - (133) contingencies
Beban operasional lainnya (2.015.397) (147.578) - (2.162.975) Other operating expenses
Laba operasional 1.396.100 20.713 2.428 1.419.241 Income from operations

Pendapatan (beban) bukan Non-operating income
operasional - neto 102.737 129 (9.608) 93.258 (expenses) - net
Beban pajak - neto (312.825) (6.370) - (319.195) Tax expense - net
Laba tahun berjalan 1.186.012 14.472 (7.180) 1.193.304 Income for the year
Total aset 67.187.111 4.275.098 (621.331) 70.840.878 Total assets
554 156

45. INFORMASI SEGMEN USAHA (lanjutan) 45. SEGMENT INFORMATION (continued)

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:
2013 2012
Total aset Total assets
Jawa Barat 58.366.747 60.551.912 West Java
Banten 6.666.202 5.778.197 Banten
Introduction
DKI Jakarta 4.684.595 3.994.919 DKI Jakarta
Jawa Tengah 437.248 277.691 Central Java
Jawa Timur 357.267 339.382 East Java
Sumatera Utara 111.469 65.753 North Sumatera
Kepulauan Riau 130.800 76.337 Riau Island
Bali 147.557 42.308 Bali
Sulawesi Selatan 123.105 128.084 South Sulawesi
Riau 129.416 42.456 Riau
Performance
Kalimantan Timur 114.621 36.794 East Kalimantan
Sumatera Selatan 252.764 93.879 South Sumatera
Kalimantan Selatan 147.926 34.497 South Kalimantan
71.669.717 71.462.209
Eliminasi (711.484) (621.331) Elimination
Total 70.958.233 70.840.878 Total
Good Corporate
Simpanan nasabah, simpanan nasabah Deposits from customers, deposits from
Governance
syariah, simpanan dari bank lain, dan customers – sharia, deposits from other
dana syirkah temporer banks, and temporary syirkah funds
Banten 8.906.598 7.498.336 Banten
DKI Jakarta 6.415.168 10.946.332 DKI Jakarta
Corporate Social
Responsibility
Bali 115.846 99.809 Bali
Riau 257.057 139.476 Riau
55.590.714 57.398.947
Consolidated
Total 55.510.569 57.387.571
Pendapatan operasional *) Operating income*)

Banten 1.035.052 882.077 Banten
DKI Jakarta 417.165 272.557 DKI Jakarta
Corporate Data

Bali 10.667 1.741 Bali
Riau 14.777 5.680 Riau
Kalimantan Selatan 13.687 691 South Kalimantan
Total 8.580.539 7.126.048 Total
Eliminasi 9.707 - Elimination
Total 8.590.246 7.126.048
*) 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.
157 555

45. INFORMASI SEGMEN USAHA (lanjutan) 45. SEGMENT INFORMATION (continued)

2013 2012
Beban operasional **) Operating expenses**)

Banten 664.311 549.698 Banten
DKI Jakarta 640.990 877.189 DKI Jakarta
Bali 12.833 11.768 Bali
Riau 14.747 9.594 Riau
6.791.797 5.709.235
Eliminasi 46.518 (2.428) Elimination
Total 6.838.315 5.706.807 Total
Pendapatan operasional neto Net operating income

DKI Jakarta (223.824) (604.632) DKI Jakarta
Jawa Tengah 8.770 (25.370) Central Java
Sumatera Utara (6.573) (9.992) North Sumatera
Kepulauan Riau 3.358 (6.189) Riau Island
Bali (2.167) (10.028) Bali
Sulawesi Selatan 4.780 (2.336) South Sulawesi
Riau 31 (3.914) Riau
Kalimantan Timur (2.725) (5.118) East Kalimantan
Sumatera Selatan (17.272) (32.418) South Sumatera
Kalimantan Selatan 6.829 (3.569) South Kalimantan
1.788.743 1.416.813
Eliminasi (36.812) 2.428 Elimination
Total 1.751.931 1.419.241 Total
Laba sebelum pajak Income before income tax

Jawa Barat 1.217.887 962.702 West Java
DKI Jakarta (48.403) 13.780 DKI Jakarta
Jawa Tengah 3.372 (11.342) Central Java
Jawa Timur (1.542) 4.482 East Java
Sumatera Utara (4.004) (6.014) North Sumatera
Kepulauan Riau 1.262 (5.992) Kepulauan Riau
Bali (3.131) (6.189) Bali
Sulawesi Selatan (1.089) (3.851) South Sulawesi
Riau 4.661 (1.560) Riau
Kalimantan Timur (5.729) (5.747) East Kalimantan
Sumatera Selatan 16.877 (1.673) South Sumatera
Kalimantan Selatan 1.950 (3.919) South Kalimantan
1.791.161 1.519.679
Total 1.752.874 1.512.499 Total
**) Terdiri dari beban bunga dan bagi hasil syariah, dan beban **) Consist of interest expense and sharia profit sharing, and other
operasional lainnya. operating expense.
556 158

46. RISIKO KREDIT 46. CREDIT RISK
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
Introduction
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
Performance
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.
Good Corporate
Governance
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.
Corporate Social
Responsibility
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.
Consolidated
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 2013 dan December 31, 2013 and 2012:
2012:
2013 2012
Corporate Data
Rasio NPL-bruto 2,76% 2,22% NPL ratio - gross

Rasio NPL-neto 0,68% 0,62% NPL ratio - net
Rasio kualitas aset produktif (tidak diaudit) 1,86% 1,46% 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.
159 557

46. RISIKO KREDIT (lanjutan) 46. CREDIT RISK (continued)

(i) Eksposur risiko kredit terhadap aset (nilai bersih (i) Credit risk exposure to assets (net of
setelah dikurangi cadangan kerugian penurunan allowance for impairment losses) in the
nilai) pada laporan posisi keuangan consolidated statements of financial position as
konsolidasian pada tanggal-tanggal of December 31, 2013 and 2012 is as follows
31 Desember 2013 dan 2012 adalah sebagai
berikut:
31 Desember 2013/ 31 Desember 2012/

December 31, 2013 December 31, 2012
Nilai wajar melalui
Dimiliki hingga jatuh tempo Held-to-maturity

Surat berharga 9.593.557 3.621.410 Marketable securities
Kredit dan piutang Loans and receivables

Giro pada Bank Indonesia 4.454.108 4.666.015 Current accounts with Bank Indonesia
Giro pada bank lain 176.888 289.686 Current accounts with other banks
Penempatan pada Bank Placements with Bank Indonesia and
Indonesia dan bank lain 2.628.985 8.011.739 other banks
Marketable securities purchased
Efek-efek yang dibeli dengan janji dijual kembali - 11.567.261 under agreements to resell
Wesel ekspor dan tagihan lainnya 44.721 67.400 Bills and other receivables
Tagihan akseptasi 33.235 224.975 Acceptance receivables
Penyertaan saham 24.415 27.720 Investment in shares
Kredit yang diberikan dan Loans and sharia financing/
pembiayaan/piutang syariah receivables
Konsumsi 33.058.296 25.082.119 Consumer
Modal kerja 10.139.879 9.507.524 Working capital
Investasi 2.299.069 1.385.656 Investment
Sindikasi 1.098.378 851.751 Syndicated
Karyawan 422.390 386.371 Employees
Program pemerintah 802.714 435.780 Government programs
Bunga yang masih akan diterima 418.360 350.560 Interest receivables
Aset lain-lain*) 9.659 7.078 Other assets*)
Neto 65.902.907 67.004.627 Net
*) Terdiri dari setoran jaminan *) Consists of guarantee deposits
Eksposur risiko kredit terhadap rekening Credit risk exposure on the consolidated
administratif konsolidasian pada tanggal administrative accounts as of December 31,
31 Desember 2013 dan 2012 adalah sebagai 2013 and 2012 are as follows:
berikut:
2013 2012
Irrevocable letters of credit

yang masih berjalan 155.811 93.166 Outstanding irrevocable letters of credit
Garansi yang diterbitkan 1.313.538 1.130.597 Guarantees issued
yang belum digunakan 3.367.589 3.090.909 Unused loan facilities
4.836.938 4.314.672
Tabel di atas menggambarkan eksposur The above table shows the maximum exposure
maksimum atas risiko kredit bagi Bank dan to credit risk for the Bank and subsidiaries as
entitas anak pada tanggal 31 Desember 2013 of December 31, 2013 and 2012 without
dan 2012 tanpa memperhitungkan agunan atau calculating the collateral or other credit
pendukung kredit lainnya. Untuk aset laporan
support. For the consolidated statements of
posisi keuangan konsolidasian, eksposur di atas
ditentukan berdasarkan nilai tercatat bersih financial position, the exposure is determined
seperti yang diungkapkan pada laporan based on net carrying value as disclosed in the
keuangan konsolidasian. consolidated financial statements.
558 160

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
Introduction
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
Performance
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
Good Corporate
Governance
Tabel berikut menggambarkan rincian The following table describes 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 2013 dan 2012. Untuk tabel December 31, 2013 and 2012. This
Corporate Social
Responsibility
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.
Jawa Sumatera Kalimantan Sulawesi Bali Total
Consolidated
Giro pada Current accounts with
Bank Indonesia 4.454.108 - - - - 4.454.108 Bank Indonesia
Giro pada bank lain 176.299 162 506 7 5 176.979 other banks
Penempatan pada Placements with
Bank Indonesia Bank Indonesia
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
Corporate Data
Kredit yang diberikan

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

penurunan nilai (1.089.626) impairment losses
Total neto 65.902.907 Total net
*) Terdiri dari setoran jaminan *) Consists of security deposits
161 559

(ii) Konsentrasi risiko aset keuangan (ii) Concentration of consolidated financial

konsolidasi dengan eksposur risiko kredit asset risk with credit risk exposure
a) Sektor geografis (lanjutan) a) Geographic sector (continued)

Giro pada bank lain 288.940 471 332 7 5 289.755 other banks
Bank Indonesia Bank Indonesia and
dan bank lain 8.013.850 - - - - 8.013.850 other banks
Surat-surat berharga 4.142.992 - - - - 4.142.992 Marketable securities
Efek-efek Marketable securities
yang dibeli dengan purchased under
janji dijual kembali 11.567.261 - - - - 11.567.261 agreements to resell
Wesel Ekspor Bills
dan tagihan lainya 67.400 - - - - 67.400 and other receivables
Tagihan akseptasi 186.609 5.591 - 32.775 - 224.975 Acceptances receivable
dan pembiayaan Loans and sharia
syariah 38.010.847 134.921 61.585 89.153 36.206 38.332.712 financing
Penyertaan saham 31.984 - - - - 31.984 Investment in shares
Bunga yang masih
akan diterima 348.353 1.360 292 421 134 350.560 Interest receivables
Asset lain-lain*) 7.070 - 7 - 1 7.078 Other assets*)
Total kotor 67.331.321 142.343 62.216 122.356 36.346 67.694.582 Total - gross

penurunan nilai (689.955) impairment losses
Eksposur risiko kredit atas rekening administratif Credit risk exposure on the consolidated
konsolidasian adalah sebagai berikut: administrative accounts are as follows:
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
Fasilitas kredit kepada
debitur yang belum Unused
digunakan 3.020.976 314.965 169 24.385 7.094 3.367.589 loan facilities
Total 4.106.596 660.661 24.201 38.386 7.094 4.836.938 Total

Irrevocable letters of Outstanding
credit yang masih irrevocable
berjalan 78.710 - - 14.456 - 93.166 letters of credit
Garansi yang diberikan 923.988 166.566 100 39.943 - 1.130.597 Guarantees issued
Fasilitas kredit kepada
debitur yang belum Unused
digunakan 2.715.142 279.833 251 62.763 32.920 3.090.909 loan facilities
Total 3.717.840 446.399 351 117.162 32.920 4.314.672 Total
560 162


(b) Sektor industri (b) Industry Sector
Tabel berikut menggambarkan rincian The following table describes 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
Introduction
berdasarkan sektor industri. industry sector.
Pemerintah
(termasuk Lembaga
Bank keuangan
Indonesia)/ bukan bank/ Perusahaan
Government Non-bank lainnya/
(including Bank Bank/ financial Other Perseorangan/ Total/
Indonesia) Banks institutions Companies Individuals Total
Performance
Giro pada bank lain - 176.979 - - - 176.979 other banks
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
Wesel ekspor dan Bills and
tagihan lainnya - 44.721 - - - 44.721 other receivables
Good Corporate
Governance
Tagihan akseptasi - - - 33.235 - 33.235 Acceptances receivable
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
Corporate Social
Responsibility
penurunan nilai (1.089.626) impairment losses
Total neto 65.902.907 Total - net

.
Pemerintah
(termasuk Lembaga
Bank keuangan
Consolidated

Giro pada bank lain - 289.755 - - - 289.755 other banks
Corporate Data
dan bank lain 6.480.792 1.533.058 - - - 8.013.850 other banks

Surat berharga 3.351.376 647.909 - 143.707 - 4.142.992 Marketable securities
Efek-efek yang dibeli Marketable securities
dengan janji dijual purchased under
kembali 11.379.707 187.554 - - - 11.567.261 agreements to resell
tagihan lainnya - 67.400 - - - 67.400 other receivables
Tagihan akseptasi - 224.975 - - - 224.975 Acceptances receivable
163 561

(b) Sektor industri (lanjutan) (b) Industry Sector (continued)
Pemerintah
(termasuk Lembaga
Bank keuangan

dan pembiayaan Loans and
syariah 2.292.562 - 1.191.135 1.523.494 33.325.521 38.332.712 sharia financing
Penyertaan saham - 11.984 20.000 - - 31.984 Investment in shares
Bunga yang masih
akan diterima 412 4.912 6.452 17.988 320.796 350.560 Interest receivables
Aset lain-lain*) 64 - 4.534 664 1.816 7.078 Other assets*)
Total kotor 28.170.928 2.967.547 1.222.121 1.685.853 33.648.133 67.694.582 Total - gross

penurunan nilai (689.955) impairment losses

. . .
Eksposur risiko kredit atas rekening Credit risk exposure on the consolidated
administratif konsolidasian adalah sebagai administrative accounts are as follows:
berikut:
Pemerintah
(termasuk Lembaga
Bank keuangan

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
yang belum digunakan 419.346 16.676 432.860 1.024.981 1.473.726 3.367.589 Unused loan facilities
Total 420.964 25.712 510.559 2.009.470 1.870.233 4.836.938 Total
Pemerintah
(termasuk Lembaga
Bank keuangan

yang masih berjalan - - - 93.166 - 93.166 letters of credit
Garansi yang diterbitkan 10.296 - 724.220 106.139 289.942 1.130.597 Guarantees issued
yang belum digunakan 1.917.083 - 278.040 48.276 847.510 3.090.909 Unused loan facilities
Total 1.927.379 - 1.002.260 247.581 1.137.452 4.314.672 Total
562 164

(iii) Giro pada Bank lain (iii) Current Accounts with Other Banks
Pada tanggal 31 Desember 2013 dan 2012, As of December 31, 2013 and 2012, these
aset keuangan ini mengalami penurunan nilai financial assets are impaired individually as
secara individual maupun kolektif sesuai well as collectively according to Bank
ketentuan Bank Indonesia. Indonesia regulations.
Introduction
Tidak mengalami Mengalami

penurunan nilai/ penurunan nilai/
Not Impaired Impaired Total
Rupiah 36.490 - 36.490 Rupiah
Mata Uang Asing 140.398 91 140.489 Foreign currencies
Performance
Total 176.888 91 176.979 Total
Cadangan kerugian
penurunan nilai - (91) (91) Allowance for impairment losses
Neto 176.888 - 176.888 Net
Good Corporate
Governance

Mata Uang Asing 220.306 69 220.375 Foreign currencies
Total 289.686 69 289.755 Total
Corporate Social
Responsibility
Cadangan kerugian
penurunan nilai - (69) (69) Allowance for impairment losses
Neto 289.686 - 289.686 Net
(iv) Penempatan pada Bank Indonesia dan bank (iv) Placements with Bank Indonesia and other
lain banks
Consolidated
aset keuangan ini tidak mengalami penurunan financial assets are not impaired.
nilai.

Corporate Data
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
Neto 2.628.985 - 2.628.985 Net
165 563

(iv) Penempatan pada Bank Indonesia dan bank (iv) Placements with Bank Indonesia and other
lain (lanjutan) banks (continued)

Rupiah 8.013.850 - 8.013.850 Rupiah

Mata Uang Asing - - - Foreign currencies
Total 8.013.850 - 8.013.850 Total
Cadangan kerugian
penurunan nilai (2.111) - (2.111) Allowance for impairment losses
Neto 8.011.739 - 8.011.739 Net
(v) Surat berharga (v) Marketable securities
aset keuangan tidak mengalami penurunan financial assets are not impaired.
nilai.

Sertifikat Bank Indonesia 5.851.494 - 5.851.494 Certificates of Bank Indonesia

Obligasi 4.023.324 - 4.023.324 Bonds
Reksadana 416.992 - 416.992 Mutual fund
Total 10.291.810 - 10.291.810 Total
Cadangan kerugian
penurunan nilai - - - Allowance for impairment losses
Neto 10.291.810 - 10.291.810 Net

Sertifikat Bank Indonesia 1.140.575 - 1.140.575 Certificates of Bank Indonesia

Obligasi 2.952.510 - 2.952.510 Bonds
Reksadana 49.907 - 49.907 Mutual fund
Total 4.142.992 - 4.142.992 Total
Cadangan kerugian
Neto 4.142.992 - 4.142.992 Net
564 166

(vi) Wesel ekspor dan tagihan lainnya (vi) Bills and other receivables

Introduction
Mata Uang Asing 23.568 - 23.568 Foreign currencies
Total 44.721 - 44.721 Total

Cadangan kerugian
Neto 44.721 - 44.721 Net
Performance

Good Corporate
Mata Uang Asing 66.022 - 66.022 Foreign currencies
Governance
Total 67.400 - 67.400 Total
Cadangan kerugian
Neto 67.400 - 67.400 Net
Corporate Social
Responsibility
(vii) Kredit yang diberikan (vii) Loans
Ikhtisar kredit yang diberikan adalah sebagai The details of loans are as follows:
berikut:
Mengalami
penurunan nilai/Impaired
Tidak mengalami
penurunan nilai/ Individual/ Kolektif/ Total/
Consolidated
Not impaired Individual Collective Total
Rupiah: Rupiah:
Perdagangan 4.145.312 108.990 460.315 4.714.617 Trading
Jasa-jasa dunia usaha 2.374.831 166.646 29.456 2.570.933 Business services
Konstruksi 1.748.523 162.311 15.405 1.926.239 Construction
Pengangkutan dan gudang 240.402 4.662 2.834 247.898 Transportation and warehousing
Industri 1.169.382 66.321 56.848 1.292.551 Industry
Listrik, gas dan air 297.170 4.262 137 301.569 Electricity, gas and water
Corporate Data

Lain-lain 32.658.692 55.184 95.337 32.809.213 Others
Total Rupiah 43.685.259 638.928 741.754 45.065.941 Total Rupiah
Mata uang asing: Foreign currency:

Pertanian 146.997 - - 146.997 Agriculture
Jasa-jasa dunia usaha 84.098 - - 84.098 Business services
Konstruksi 7.266 - - 7.266 Construction
Perdagangan 2.994 - - 2.994 Trading
Jasa-jasa sosial 1.284 - 1.284 Social services
Pertambangan - - - - Mining
Total mata uang asing 242.639 - - 242.639 Total foreign currency
Total 43.927.898 638.928 741.754 45.308.580 Total

Dikurangi: Less:
penurunan nilai (13.769) (484.062) (521.689) (1.019.520) impairment losses
Neto 43.914.129 154.866 220.065 44.289.060 Net
167 565


(vii) Kredit yang diberikan (lanjutan) (vii) Loans (continued)
Mengalami
penurunan nilai/Impaired
Tidak mengalami
penurunan nilai/ Individual/ Kolektif/ Total/
Not impaired Individual Collective Total
Rupiah: Rupiah:
Perdagangan 4.086.200 47.493 187.531 4.321.224 Trading
Jasa-jasa dunia usaha 2.218.137 109.085 28.995 2.356.217 Business services
Konstruksi 1.394.742 129.799 25.033 1.549.574 Construction
Pengangkutan dan gudang 326.827 - 1.261 328.088 Transportation and warehousing
Listrik, gas dan air 43.294 5.076 2 48.372 Electricity, gas and water
Lain-lain 24.310.035 26.474 51.538 24.388.047 Others
Total Rupiah 34.265.058 479.791 379.027 35.123.876 Total Rupiah
Mata uang asing: Foreign currency:

Jasa-jasa dunia usaha 127.821 - - 127.821 Business services
Konstruksi 534 - - 534 Construction
Pertambangan 120.404 - - 120.404 Mining
Jasa-jasa sosial 1.755 - 1.755 Social services
Total mata uang asing 250.514 - - 250.514 Total foreign currency
Total 34.515.572 479.791 379.027 35.374.390 Total

Dikurangi: Less:
penurunan nilai (26.180) (338.089) (241.398) (605.667) impairment losses
Neto 34.489.392 141.702 137.629 34.768.723 Net
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.
566 168

(viii) Tabel di bawah menunjukkan kualitas kredit (viii) The table below shows credit quality per class
per jenis instrumen keuangan yang belum of financial assets that are neither past due
jatuh tempo dan tidak mengalami penurunan nor impaired (gross of allowance for
nilai (diluar cadangan kerugian penurunan impairment losses):
nilai):
Introduction
Belum jatuh tempo dan Jatuh tempo

tidak mengalami penurunan dan tidak
nilai/ neither past due mengalami
nor impaired penurunan
nilai/ Mengalami
Tingkat Past-due penurunan
Tingkat Tinggi/ standar/ but not nilai/
High Grade Standard grade Impaired Impaired Total
Performance
Nilai wajar melalui Fair value through
laporan laba rugi profit or loss
Surat berharga 698.253 - - - 698.253 Marketable securities
Dimiliki hingga jatuh tempo Held-to-maturitiy

Surat berharga 9.593.557 - - - 9.593.557 Marketable securities

Giro pada bank Indonesia 4.454.108 - - - 4.454.108 Bank Indonesia
Good Corporate
Governance
Giro pada bank lain - 176.881 - 98 176.979 other banks
dan bank lain 2.629.337 - - - 2.629.337 and other banks
Marketable securities
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
dan piutang/ Loans and sharia
Corporate Social
Responsibility
pembiayaan syariah financing/receivables
Konsumsi 25.792.242 7.151.578 422.452 55.184 33.421.456 Consumer
Modal kerja - 9.212.508 1.138.095 399.890 10.750.493 Working capital
Investasi - 2.198.738 96.380 86.629 2.381.747 Investment
Sindikasi - 1.020.033 - 94.917 1.114.950 Syndicated
Karyawan 399.380 20.768 3.136 - 423.284 Employees
Program pemerintah - 783.997 24.105 2.308 810.410 Government programs
Bunga yang masih
akan diterima - 418.360 - - 418.360 Interest receivables
Aset lain-lain*) - 9.659 - - 9.659 Other assets*)
Total 43.644.833 21.016.937 1.684.168 646.595 66.992.533 Total
Consolidated
penurunan nilai (47.066) (544.905) (5.933) (491.722) (1.089.626) impairment losses
Neto 43.597.767 20.472.032 1.678.235 154.873 65.902.907 Net

Corporate Data
169 567


Belum jatuh tempo dan Jatuh tempo

tidak mengalami penurunan dan tidak
nilai/ neither past due mengalami
nor impaired penurunan
nilai/ Mengalami
Tingkat Past-due penurunan
Tingkat Tinggi/ standar/ but not nilai/
High Grade Standard grade Impaired Impaired Total
Nilai wajar melalui Fair value through

laporan laba rugi profit or loss
Surat berharga 521.582 - - - 521.582 Marketable securities
Dimiliki hingga jatuh tempo Held-to-maturitiy

Surat berharga 3.621.410 - - - 3.621.410 Marketable securities

Giro pada bank Indonesia 4.666.015 - - - 4.666.015 Bank Indonesia
Giro pada bank lain 289.686 - - 69 289.755 other banks
dan bank lain 8.013.850 - - - 8.013.850 and other banks
Efek-efek yang dibeli purchased under
dengan janji dijual kembali 11.567.261 - - - 11.567.261 agreements to resell
Wesel ekspor dan tagihan lainnya 67.400 - - - 67.400 Bills and other receivable
Tagihan akseptasi 224.975 - - - 224.975 Acceptance receivables
Penyertaan saham - 23.830 - 8.154 31.984 Investment in shares
dan piutang/ Loans and sharia
pembiayaan syariah financing/receivables
Konsumsi 21.358.123 3.568.980 206.928 26.441 25.160.472 Consumer
Modal kerja - 8.690.829 1.009.704 249.238 9.949.771 Working capital
Investasi - 1.251.216 168.698 40.178 1.460.092 Investment
Sindikasi - 731.597 85.958 118.431 935.986 Syndicated
Karyawan 351.114 35.141 757 - 387.012 Employees
Program pemerintah - 422.598 16.708 73 439.379 Government programs
Bunga yang masih
akan diterima - 350.560 - - 350.560 Interest receivables
Aset lain-lain*) - 7.078 - - 7.078 Other assets*)
Total 50.681.416 15.081.829 1.488.753 442.584 67.694.582 Total

penurunan nilai (2.417) (38.336) (317.825) (331.377) (689.955) impairment losses
Neto 50.678.999 15.043.493 1.170.928 111.207 67.004.627 Net
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.
568 170

(viii) Tabel di bawah menunjukkan kualitas kredit (viii) The table below shows credit quality per class
per jenis instrumen keuangan yang belum of financial assets (gross of allowance for
jatuh tempo dan tidak mengalami penurunan impairment losses) that are neither past due
nilai (diluar cadangan kerugian penurunan nor impaired (continued):
nilai) (lanjutan):
Introduction
(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
Performance
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
Good Corporate
Governance
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 Baaa3 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,
Corporate Social
Responsibility
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
Consolidated
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
Corporate Data
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).
171 569

(ix) Analisis umur pinjaman yang jatuh tempo (ix) The aging analysis of past due but not
tetapi tidak mengalami penurunan nilai pada impaired loans as of December 31, 2013 and
tanggal 31 Desember 2013 dan 2012, sebagai 2012, are as follows:
berikut:
Lebih dari Lebih dari
90 hari 120 sampai 180 hari/
1 sampai 120 hari/ 180 hari/ More than
90 hari/ more than more than More than
1 to 90 days 90 to 120 days 120 to 180 days 180 days Total
Konsumsi 1.806 2.454 4.679 413.513 422.452 Consumer

Modal kerja 10.511 18.255 24.682 1.084.647 1.138.095 Working capital
Investasi 4.126 5.606 10.608 76.040 96.380 Investment
Sindikasi - - - - - Syndicated
Karyawan - - - 3.136 3.136 Employees
Program pemerintah - - - 24.105 24.105 Government programs
Total 16.443 26.315 39.969 1.601.441 1.684.168 Total
Cadangan kerugian
penurunan nilai (409) (557) (1.049) (3.918) (5.933) Allowance for impairment losses
Neto 16.034 25.758 38.920 1.597.523 1.678.235 Net

90 hari 120 sampai 180 hari/
1 sampai 120 hari/ 180 hari/ More than
90 hari/ more than more than More than
1 to 90 days 90 to 120 days 120 to 180 days 180 days Total
Konsumsi 146.799 9.808 13.231 37.090 206.928 Consumer

Modal kerja 672.263 102.599 81.011 153.831 1.009.704 Working capital
Investasi 115.063 4.502 10.514 38.619 168.698 Investment
Sindikasi - - 85.958 - 85.958 Syndicated
Karyawan 251 - 197 309 757 Employees
Program pemerintah 13.371 476 102 2.759 16.708 Government programs
Total 947.747 117.385 191.013 232.608 1.488.753 Total
Cadangan kerugian
penurunan nilai (15.555) (18.940) (66.033) (217.297) (317.825) Allowance for impairment losses
Neto 932.192 98.445 124.980 15.311 1.170.928 Net
(x) Mutasi cadangan berdasarkan jenis kredit yang (x) Movements in allowance for impairment losses
diberikan pada tanggal 31 Desember 2013 dan by type of loans as of December 31, 2013 are
2012 adalah sebagai berikut: as follows:
Modal Program
Kerja/ pemerintah/
Konsumsi/ Working Investasi/ Sindikasi/ Karyawan/ Government
Consumer Capital Investment Syndicated Employees Programs
Saldo awal tahun 68.954 420.246 69.018 43.484 366 3.599 Balance at beginning of year
Penyisihan (pembalikan) Provision (reversal)
selama tahun berjalan 51.578 513.408 3.288 (28.278) (42) 4.097 during the year
Penghapusbukuan kredit - (130.198) - - - - Loans written-off
Saldo akhir tahun 120.532 803.456 72.306 15.206 324 7.696 Balance at end of year
Penurunan nilai
individual 45.111 384.396 37.040 15.206 - 2.309 Individual impairment
Penurunan nilai kolektif 75.421 419.060 35.266 - 324 5.387 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 55.184 399.890 86.629 94.917 - 2.308 impairment losses
570 172

(x) Mutasi cadangan berdasarkan jenis kredit yang (x) Movements in allowance for impairment losses
diberikan pada tanggal 31 Desember 2013 dan by type of loans as of December 31, 2013 are
2012 adalah sebagai berikut (lanjutan): as follows (continued):

Modal Program
Introduction
Kerja/ pemerintah/
Konsumsi/ Working Investasi/ Sindikasi/ Karyawan/ Government
Consumer Capital Investment Syndicated Employees Programs
Saldo awal tahun 227.434 224.406 38.436 13.498 2.390 1.736 Balance at beginning of year
Penyisihan (pembalikan) Provision (reversal)
selama tahun berjalan (161.908) 382.732 110.678 29.986 (2.024) 1.863 during the year
Tambahan saldo
penyisihan karena Additional balance ot
Transaksi akusisi allowance due to Subsidiaries
entitas anak 3.428 - - - - - acquisition transaction
Performance
Penerimaan kembali
kredit yang telah
dihapus bukukan - - - - - - Recovery of loans written-off
Penghapusbukuan kredit - (186.892) (80.096) - - - Loans written-off
Saldo akhir tahun 68.954 420.246 69.018 43.484 366 3.599 Balance at end of year
Penurunan nilai
individual 25.777 244.672 29.493 43.169 - - Individual impairment
Penurunan nilai kolektif 43.177 175.574 39.525 315 366 3.599 Collective impairment
Good Corporate
Jumlah kotor kredit yang
Governance
secara individu
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 26.441 249.238 40.178 118.431 - 73 impairment losses
Corporate Social
Responsibility
47. RISIKO NILAI TUKAR 47. FOREIGN EXCHANGE RISK
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
Consolidated
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.
Corporate Data
173 571

47. RISIKO NILAI TUKAR (lanjutan) 47. FOREIGN EXCHANGE RISK (continued)
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. Bank monitor Foreign exchange risk
transaksi bank. Pemantauan risiko nilai tukar through monitoring of Net Open Position (NOP)
dilakukan melalui pemantauan Posisi Devisa Netto every 30 minutes and intraday and for a foreign
(PDN) per 30 menit dan intraday, dan sebagai exchange risk control, bank establish internal limit
bentuk pengendalian risiko nilai tukar, bank of NOP both on balance sheet and overall as risk
membuat limit internal PDN baik untuk neraca tolerance to foreign exchange risk. Meanwhile,
maupun secara keseluruhan sebagai bentuk risk Implementation of Forex Risk Management
tolerance bank dalam menghadapi risiko nilai tukar. partially on Treasury activities is through
Sedangkan, penerapan manajemen risiko nilai measurement & control of budget loss limit & open
tukar bank secara parsial pada aktivitas Treasuri position for every transaction and for monitoring,
adalah melalui pengukuran & pengendalian budget bank create Treasury transactions Report
loss limit & open position untuk setiap transaksi periodically to ensure that exposure arise from
nilai tukar dan sebagai bentuk pemantauan risiko foreign exchange risk is inline within the internal
nilai tukar bank melakukan pelaporan transaksi bank dan Bank Indonesia Regulations.
Treasuri sesuai dengan ketentuan secara periodik
untuk 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.
572 174

Berikut adalah PDN pada tanggal-tanggal Below is the NOP as of December 31, 2013 and
31 Desember 2013 dan 2012 per mata uang 2012 by currency (in equivalent rupiah) based on
(dalam ekuivalen rupiah) sesuai dengan peraturan Bank Indonesia regulations:
Bank Indonesia:
Introduction
Posisi Devisa
Aset/ Liabilitas/ Neto/Net
Mata Uang Assets Liabilities Open Position Currency
KESELURUHAN (LAPORAN POSISI AGGREGATE (STATEMENT OF

KEUANGAN DAN REKENING FINANCIAL POSITION AND
ADMINISTRATIF) ADMINISTRATIVE ACCOUNTS)
Dolar Amerika Serikat 1.264.137 1.296.950 32.813 United States Dollar
Performance
Euro Eropa 26.123 1.202 24.921 European Euro
Dolar Singapura 22.924 21.542 1.382 Singapore Dollar
Dolar Australia 2.258 48 2.210 Australian Dollar
Riyal Saudi Arabia 136 - 136 Saudi Arabian Riyal
Yen Jepang 91 - 91 Japanese Yen
Poundsterling Inggris 1.527 165 1.362 Great Britain Poundsterling
Dolar Hong Kong 933 - 933 Hong Kong Dollar
Yuan Cina 1.311 1.101 210 Chinese Yuan
Good Corporate
Total 64.058 Total
Governance
LAPORAN POSISI KEUANGAN STATEMENT OF FINANCIAL
POSITION
Dolar Amerika Serikat 1.081.587 1.296.950 (215.363) United States Dollar
Dolar Singapura 22.924 21.542 1.382 Singapore Dollar
Dolar Australia 2.258 48 2.210 Australian Dollar
Corporate Social
Responsibility
Poundsterling Inggris 1.527 165 1.362 Great Britain Poundsterling
Yuan Cina 1.131 1.101 30 Chinese Yuan
Total 184.309 Total
Total modal - Desember 2013 5.340.417 Total capital - December 2013
Consolidated
Rasio PDN (Keseluruhan) 1,20% NOP ratio (Aggregate)
NOP ratio (Statement of
Rasio PDN (Laporan posisi keuangan) 3,45% financial position)
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:
Corporate Data
Total modal - November 2013 5.276.643 Total capital - November 2013

Rasio PDN (Keseluruhan) 1,21% NOP Ratio (Aggregate)
NOP Ratio (Statement of
175 573

Posisi Devisa
Aset/ Liabilitas/ Neto/Net
Mata Uang Assets Liabilities Open Position Currency
KESELURUHAN (LAPORAN POSISI AGGREGATE (STATEMENT OF

KEUANGAN DAN REKENING FINANCIAL POSITION AND
ADMINISTRATIF) ADMINISTRATIVE ACCOUNTS)
Dolar Amerika Serikat 1.191.718 1.209.407 17.689 United States Dollar

Dolar Singapura 15.745 15.214 531 Singapore Dollar
Dolar Australia 1.927 - 1.927 Australian Dollar
Poundsterling Inggris 1.529 - 1.529 Great Britain Poundsterling
Yuan Cina 35.740 18.656 17.084 Chinese Yuan
Total 56.399 Total
LAPORAN POSISI KEUANGAN STATEMENT OF FINANCIAL
POSITION
Dolar Amerika Serikat 1.191.718 1.204.587 (12.869) United States Dollar
Dolar Singapura 15.745 15.214 531 Singapore Dollar
Dolar Australia 1.927 - 1.927 Australian Dollar
Poundsterling Inggris 1.529 - 1.529 Great Britain Poundsterling
Yuan Cina 35.740 18.656 17.084 Chinese Yuan
Total 21.032 Total
Total modal - Desember 2012 4.572.375 Total capital - December 2012
Rasio PDN (Keseluruhan) 1,23% NOP ratio (Aggregate)

NOP ratio (Statement of
Rasio PDN per 31 Desember 2012 jika NOP Ratios as of December 31, 2012, based on
menggunakan modal bulan November 2012 (tidak the total capital in November 2012 (unaudited) are
diaudit) adalah sebagai berikut: as follows:
Total modal - November 2012 4.516.415 Total capital - November 2012
Rasio PDN (Keseluruhan) 1,25% 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). regulations).
Perubahan Pengaruh ke
basis poin/ laporan laba rugi/
Changes in Changes in
basis point statement of Income
Dolar Amerika Serikat 0,30% 7.205 United States Dollar
0,35% (66)
574 176

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.
Introduction
Pada tanggal 31 Desember 2013, dampak atas As of December 31, 2013 and 2012, the effect of
perubahan nilai tukar dari mata uang lainnya fluctuations in exchange rates of other currencies,
seperti Poundsterling Inggris, Euro Eropa, Yen such as Great Britain Poundsterling, European
Jepang, Dolar Singapura, Dolar Australia dan Dolar Euro, Japanese Yen, Singapore Dollar, Australian
Hong Kong tidak material. Dollar and Hong Kong Dollar, is not material.
48. RISIKO LIKUIDITAS 48. LIQUIDITY RISK
Performance
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:
Good Corporate
Governance
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,
Corporate Social
termasuk kecukupan dana; including the adequacy of funding;
Responsibility
c. Ketersediaan aset yang siap dikonversikan c. The availability of asset that is ready to be
menjadi kas; converted into cash; and
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.
Consolidated
Corporate Data
177 575

48. RISIKO LIKUIDITAS (lanjutan) 48. LIQUIDITY RISK (continued)
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 at 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 statements of
keuangan: financial position date:
576 178


Tidak
mempunyai
tanggal jatuh Sampai Lebih dari 1 Lebih dari 3 Lebih dari 1 Lebih dari 2
tempo dengan 1 sampai 3 sampai 12 sampai 2 sampai 5 Lebih dari 5
Nilai tercatat/ kontraktual/ bulan/ bulan/ bulan/ tahun/ tahun/ tahun/
Carrying No contractual Up to More than 1 to More than 3 to More than 1 More than 2 More than
value maturity 1 month 3 months 12 months to 2 years to 5 years 5 years
Introduction
ASET ASSETS
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
Performance
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*)
Good Corporate
Governance
Total 69.587.793 3.472.255 9.833.194 2.123.805 8.652.419 4.043.225 12.569.393 28.893.502 Total
Dikurangi cadangan kerugian Less allowance

penurunan nilai (1.089.626) (8.012) (348.009) (76.172) (66.582) (178.872) (300.806) (111.173) for impairment losses
68.498.167 3.464.243 9.485.185 2.047.633 8.585.837 3.864.353 12.268.587 28.782.329
Liabilitas segera 1.945.539 1.945.539 - - - - - - Obligations due immediately
Corporate Social
Responsibility
Simpanan nasabah 46.874.161 28.194.381 12.049.270 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 4.946.725 188.713 4.725.487 18.225 11.225 3.075 - - Deposits from other banks
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
Efek hutang yang Debt securities
diterbitkan - neto 2.396.611 - - 275.456 401.647 - 1.719.508 - issued - net
Pinjaman yang diterima 324.337 - - 297 - - 324.040 - Borrowings
Consolidated
Bunga yang masih
harus dibayar 124.776 124.776 - - - - - - Interest payables
Liabilitas lain-lain 799.593 799.593 - - - - - - Other liabilities
60.769.680 31.599.542 19.774.707 5.922.894 1.398.434 30.555 2.043.548 -
Perbedaan jatuh tempo 7.728.487 (28.135.299) (10.289.522) (3.875.261) 7.187.403 3.833.798 10.225.039 28.782.329 Maturity gap

Corporate Data
179 577


Tidak
mempunyai
tanggal jatuh Sampai Lebih dari 1 Lebih dari 3 Lebih dari 1 Lebih dari 2
tempo dengan 1 sampai 3 sampai 12 sampai 2 sampai 5 Lebih dari 5
Nilai tercatat/ kontraktual/ bulan/ bulan/ bulan/ tahun/ tahun/ tahun/
Carrying No contractual Up to More than 1 to More than 3 to More than 1 More than 2 More than
value maturity 1 month 3 months 12 months to 2 years to 5 years 5 years
ASET ASSETS
Kas 1.795.074 1.795.074 - - - - - - Cash
Bank Indonesia 4.666.015 - 4.666.015 - - - - - Bank Indonesia
Giro pada bank Current accounts with
lain - bruto 289.755 - 289.755 - - - - - other banks - gross
Indonesia dan Indonesia and
bank lain - bruto 8.013.850 - 7.475.935 244.425 293.490 - - - other banks - gross
Marketable securities -
Surat berharga - bruto 4.142.992 319.855 65.011 1.413.772 1.337.225 538.984 190.717 277.428 gross
Efek-efek yang dibeli dengan purchased under
janji dijual kembali 11.567.261 - 3.163.846 8.403.415 - - - - agreements to resell
tagihan lainnya 67.400 - 17.074 1.230 49.096 - - - other receivables
Kredit yang diberikan - bruto 35.374.390 - 520.941 981.065 3.191.832 3.878.919 10.631.647 16.169.986 Loans - gross
Pembiayaan syariah - bruto 2.958.322 - 333.512 369.377 557.146 322.437 906.635 469.215 Sharia financing - gross
Acceptances receivable -
Tagihan akseptasi - bruto 224.975 - 54.973 135.446 34.556 - - - gross
Investments in shares -
Penyertaan saham - bruto 31.984 31.984 - - - - - - gross
Bunga yang masih
akan diterima 350.560 350.560 - - - - - - Interest receivables
Aset lain-lain - neto*) 7.078 7.078 - - - - - - Other assets - net*)
Total 69.489.656 2.504.551 16.587.062 11.548.730 5.463.345 4.740.340 11.728.999 16.916.629 Total
Dikurangi cadangan kerugian Less allowance

penurunan nilai (689.955) (689.955) - - - - - - for impairment losses
68.799.701 1.814.596 16.587.062 11.548.730 5.463.345 4.740.340 11.728.999 16.916.629
Liabilitas segera 1.761.134 1.761.134 - - - - - - Obligations due immediately
Simpanan nasabah 47.632.863 - 37.346.495 7.068.918 3.207.193 10.257 - - Deposits from customers
Deposits from customers-
Simpanan nasabah syariah 294.650 - 294.650 - - - - - sharia
Simpanan dari bank lain 6.392.634 - 6.331.697 49.492 11.445 - - - Deposits from other banks
Efek-efek yang dijual dengan sold under agreement
janji dibeli kembali (repo) 1.922.795 - 1.922.795 - - - - - to repurchase
Liabilitas akseptasi 224.975 - 224.975 - - - - - Acceptances payable
diterbitkan - neto 2.395.091 - - - - 676.351 599.166 1.119.574 issued - net
Pinjaman yang diterima 231.160 - - - - 1.214 20.482 209.464 Borrowings
Bunga yang masih
harus dibayar 129.272 129.272 - - - - - - Interest payables
Liabilitas lain-lain 700.401 700.401 - - - - - - Other liabilities
61.684.975 2.590.807 46.120.612 7.118.410 3.218.638 687.822 619.648 1.329.038
Perbedaan jatuh tempo 7.114.726 (776.211) (29.533.550) 4.430.320 2.244.707 4.052.518 11.109.351 15.587.591 Maturity gap
578 180

Tabel di bawah ini merangkum profil jatuh tempo The table below summarizes the maturity profile of
liabilitas keuangan Bank pada tanggal-tanggal 31 the Bank financial liabilities as of December 31,
Desember 2013 dan 2012 berdasarkan pada 2013 and 2012 based on undiscounted contractual
pembayaran kontraktual yang tidak didiskonto: payments:
Introduction
1 Bulan 3 Bulan
sampai sampai
3 Bulan/ 12 Bulan/ Lebih dari
Pada More than More than 12 Bulan/
permintaan/ 1 Bulan/ 1Month to 3 Months to More than
Total On demand 1Month 3Months 12 Months 12 Months
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
Performance
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
Good Corporate
Governance
Liabilitas lain-lain*) 799.593 799.593 - - - - Other liabilities
Total liabilitas keuangan 62.945.855 31.632.092 19.813.203 5.990.935 2.000.766 3.508.859
*) terdiri dari setoran jaminan. *) Consist of security deposits.
Corporate Social
Responsibility
1 Bulan 3 Bulan
sampai sampai
3 Bulan/ 12 Bulan/ Lebih dari
Pada More than More than 12 Bulan/
permintaan/ 1 Bulan/ 1Month to 3 Months to More than
Total On demand 1Month 3Months 12 Months 12 Months
Liabilitas segera 1.764.134 1.764.134 - - - - Liabilities due immediately
Consolidated
Simpanan dari nasabah 48.199.028 67.546 37.682.062 7.152.539 3.296.574 307 Deposits from customers
Simpanan dari bank lain 6.396.851 - 6.335.910 49.493 11.448 - Deposits from other banks
dengan janji dibeli sold under agreements
kembali 1.931.168 - 1.931.168 - - - to repurchase
Liabilitas akseptasi 224.975 - 224.975 - - - Acceptances payable
diterbitkan - neto 3.285.308 - - - - 3.285.308 issued - net
Pinjaman yang diterima 295.917 - - - - 295.917 Borrowings
Beban yang masih
harus dibayar dan 129.272 129.272 - - - - Interest payables
Corporate Data
Liabilitas lain-lain*) 700.401 700.401 - - - - Other liabilities
Total liabilitas keuangan 62.927.054 2.661.353 46.174.115 7.202.032 3.308.022 3.581.532
*) terdiri dari setoran jaminan. *) Consist of security deposits.
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.
181 579

49. RISIKO SUKU BUNGA 49. INTEREST RATE RISK

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 merupakan kisaran tingkat The table below summarizes the range of interest
bunga per tahun untuk aset dan liabilitas yang rates per annum for significant assets and liabilities
signifikan pada tanggal-tanggal 31 Desember 2013 as of December 31, 2013 and 2012:
dan 2012:
2013 2012
Mata uang Mata uang

asing/ asing/
Rupiah/ Foreign Rupiah/ Foreign
Rupiah currencies Rupiah currencies
% % % %
ASET ASSETS
Giro pada bank lain - 0,10-0,50 - 0,10-0,50 Current accounts with other banks
Penempatan pada bank lain 4,18-4,29 - 4,35-4,90 - Placements with other banks
Surat berharga 0,0-11,25 - 0,00-14,25 - Marketable securities
Efek-efek yang dibeli dengan janji purchased under
dijual kembali 4,65-4,66 - 4,43-4,63 - agreement to resale
Wesel ekspor dan tagihan lainnya 8,90-8,95 3,51 8,60-8,92 3,25 Bills and other receivables
Kredit yang diberikan 3,00-27,54 6,00-8,00 5,75-19,00 7,00-14,00 Loans
Obligasi pemerintah 4,45-6,25 - 4,30-6,625 - Government bonds
Simpanan nasabah Deposits from customers
- Giro 0,00-6,55 0,10-0,75 0,00-6,55 0,00-0,75 Current accounts -
- Tabungan 0,00-6,55 0,00-0,75 0,00-6,55 0,00-0,75 Savings -
- Deposito berjangka 0,00-8,50 0,00-1,80 0,00-8,50 0,00-3,00 Time deposits -
Simpanan dari bank lain Deposits from other banks
- Giro 0,00-3,00 - 0,00-3,00 - Current accounts -
- Tabungan 0,00-3,50 - 0,00-4,50 - Savings -
- Deposito berjangka 0,04-0,06 - 5,00-7,75 - Time deposits -
- Interbank call money 4,19-4,55 2,30-2,50 4,25-4,90 0,40-0,45 Interbank call money -
Efek-efek yang dijual dengan janji sold under
dibeli kembali (repo) 4,45-4,65 - 4,50-4,75 - agreement to repurchase
Pinjaman yang diterima 0,00-9,60 - 0,00-9,60 - Borrowings
Efek hutang yang diterbitkan 9,20-12,50 - 9,20-12,50 - Debt securities issued
580 182

CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS
49. RISIKO SUKU BUNGA (lanjutan) 49. INTEREST RATE RISK (continued)
Tabel di bawah ini mengikhtisarkan eksposur Bank dan entitas anak terhadap risiko tingkat suku bunga (gross) (tidak The following table summarizes the Bank’s and subsidiaries’ exposures to the interest rate risk (gross)
diaudit): (unaudited):
Lebih dari Lebih dari Lebih dari Lebih dari Lebih dari
3 bulan tapi 1 tahun tapi 2 tahun tapi 3 tahun tapi 4 tahun tapi
tidak lebih tidak lebih tidak lebih tidak lebih tidak lebih
dari 1 tahun/ dari 2 tahun/ dari 3 tahun/ dari 4 tahun/ dari 5 tahun/ Tidak
Tidak lebih More than More than More than More than More than Lebih dari Suku bunga dikenakan
dari 3 bulan/ 3 months but 1 year but 2 years but 3 years but 4 years but 5 tahun/ tetap/ bunga/
Not more than not more than not more than not more than not more than not more than More than Fixed interest Non-interest Total/
3 months 1 year 2 years 3 years 4 years 5 years 5 years rate bearing Total
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
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
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*)
Total aset keuangan 4.631.087 81.381 2.290 19.693 6.487 8.473 246.900 61.536.219 3.055.263 69.587.793 Total financial 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
- 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
183

581
Performance
Tabel di bawah ini mengikhtisarkan eksposur Bank dan entitas anak terhadap risiko tingkat suku bunga The following table summarizes the Bank’s and subsidiaries’ exposures to the interest rate risk
(gross) (tidak diaudit) (lanjutan): (gross) (unaudited) (continued):
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 - - - - - 89.087 235.000 324.337 Borrowings
Bunga yang masih harus dibayar - - - - - - - - 124.776 124.776 Interest payable
Liabilitas lain-lain - - - - - - - - 799.593 799.593 Other liabilities
Total liabilitas keuangan 54.118.127 1.030.302 30.555 - - - - 2.485.788 3.104.908 60.769.680 Total financial liabilities
Total gap repricing suku bunga (49.487.040) (948.921) (28.265) 19.693 6.487 8.473 246.900 59.050.431 (49.645) 8.818.113 Total gap repricing interest rate

Kas - - - - - - - - 1.795.074 1.795.074 Cash
Giro pada Bank Indonesia 4.666.015 - - - - - - - - 4.666.015 Current accounts with Bank Indonesia
Giro pada bank lain 289.755 - - - - - - - - 289.755 Current accounts with other banks
Indonesia dan bank lain - - - - - - - 8.013.850 - 8.013.850 other banks
Surat berharga - - - - - - - 4.142.992 - 4.142.992 Marketable securities
Efek-efek yang dibeli dengan Marketable securities purchased
janji dijual kembali 11.567.261 - - - - - - - - 11.567.261 under agreements to resell
Wesel ekspor dan tagihan lainnya 18.304 49.096 - - - - - - - 67.400 Bills and other receivables
Tagihan akseptasi 77.645 147.330 - - - - - - - 224.975 Acceptance receivables
Kredit yang diberikan - - 34.885.042 489.348 - - - - - 35.374.390 Loans
Pembiayaan syariah - - - - - - - - 2.958.322 2.958.322 Sharia financing
184
582

Tabel di bawah ini mengikhtisarkan eksposur Bank dan entitas anak terhadap risiko tingkat suku bunga The following table summarizes the Bank’s and subsidiaries’ exposures to the interest rate risk
(gross) (tidak diaudit) (lanjutan): (gross) (unaudited) (continued):
Penyertaan saham - - - - - - - - 31.984 31.984 Investment in shares
Bunga yang masih akan diterima - - - - - - - - 350.560 350.560 Interest receivables
Aset lain-lain*) - - - - - - - - 7.078 7.078 Other assets*)
Total aset keuangan 16.618.980 196.426 34.885.042 489.348 - - - 12.156.842 5.143.018 69.489.656 Total financial assets

Liabilitas segera - - - - - - - - 1.761.134 1.761.134 Obligations due immediately
- Giro 14.527.781 - - - - - - - - 14.527.781 Current accounts -
- Tabungan 8.739.254 - - - - - - - - 8.739.254 Savings-
- Deposito berjangka 9.369.981 10.182.373 3.381.514 785.618 314.911 89.150 242.281 - - 24.365.828 Time deposits -
Simpanan syariah - - - - - - - - 294.650 294.650 Customer deposits - sharia
- Giro 42.809 - - - - - - - - 42.809 Current accounts -
- Tabungan 135.658 - - - - - - - - 135.658 Savings -
- Deposito berjangka 95.369 3.585 - - - - - - - 98.954 Time deposits -
- Interbank call money 6.115.213 - - - - - - - - 6.115.213 Interbank call money -
Efek-efek yang dijual dengan janji Marketable securities sold under
dibeli kembali 1.922.795 - - - - - - - - 1.922.795 agreement to repurchase
Liabilitas akseptasi 77.645 147.330 - - - - - - - 224.975 Acceptance payables
Efek hutang yang diterbitkan - - 676.531 - 599.166 - 1.119.394 - - 2.395.091 Debt securities issued
Pinjaman yang diterima - - - - - - - 231.160 - 231.160 Borrowings
Bunga yang masih harus dibayar - - - - - - - - 129.272 129.272 Interest payable
Liabilitas lain-lain - - - - - - - - 700.401 700.401 Other liabilities
Total liabilitas keuangan 41.026.505 10.333.288 4.058.045 785.618 914.077 89.150 1.361.675 231.160 2.885.457 61.684.975 Total financial liabilities
Total gap repricing suku bunga (24.407.525) (10.136.862) 30.826.997 (296.270) (914.077) (89.150) (1.361.675) 11.925.682 2.257.561 7.804.681 Total gap repricing interest rate
185

583
Performance

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 as of December 31,
tidak diperdagangkan yang dimiliki Bank dan 2013. The sensitivity of the consolidated
entitas anak pada tanggal 31 Desember 2013. statement of comprehensive income is calculated
Analisis sensitivitas atas laporan laba rugi by revaluing fixed rate available-for-sale financial
komprehensif konsolidasian dihitung dengan assets, as of December 31, 2013 for the effects
menilai kembali perubahan estimasi suku bunga of the assumed changes in interest rates. The
tetap atas aset keuangan yang tersedia untuk total sensitivity of the consolidated statement of
dijual pada tanggal 31 Desember 2013. Jumlah comprehensive income is based on the
sensitivitas atas laporan laba rugi komprehensif assumption that there are parallel shifts in the
konsolidasian didasarkan pada asumsi bahwa yield curve.
terdapat 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 2013 dan 2012: assets and liabilities as of December 31, 2013
and 2012:
Dampak ke
laporan laba rugi
komprehensif
konsolidasian/
Impact to the
consolidated
Perubahan basis statement
poin/Change of comprehensive
in basis point income
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
186
584

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
Introduction
pada tanggal 31 Desember 2013 dan 2012 assets and liabilities as of December 31, 2013
(lanjutan): and 2012 (continued):
Dampak ke
laporan laba rugi
komprehensif
Performance
konsolidasian/
Impact to the
consolidated
Perubahan basis statement
poin/Change of comprehensive
in basis point income
Rupiah +1,25% 44.159 Rupiah
+0,50% 17.664
Good Corporate
-0,50% (17.664)
Governance
-1,25% (44.519)
50. RISIKO OPERASIONAL 50. OPERATIONAL RISK
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
Corporate Social
Responsibility
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
Consolidated
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
Corporate Data
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.
187
585

50. RISIKO OPERASIONAL (lanjutan) 50. OPERATIONAL RISK (continued)
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 Bank has developed a framework as weel as
serta kebijakan dan pedoman Business Continuity policies and also guidelines for Business Continuity
Management (BCM) yang digunakan sebagai Management (BCM) which are used as a
contingency plan bagi Bank dalam rangka contingency plan for the Bank and subsidiaries in
meminimalkan kerugian yang timbul dari potensi- order to minimize losses arising from potential
potensi risiko operasional yang disebabkan oleh operational risks caused by external factors such
faktor eksternal seperti bencana alam, kebakaran, as natural disasters, fires, and other disruptions
serta gangguan lainnya seperti gangguan sistem, such as system, electricity, communication lines,
listrik, saluran komunikasi dan lain-lain yang and others that are outside the Bank’s and
berada diluar kewenangan Bank dan entitas anak. subsidiaries’ authority. The scope of BCM consists
Ruang lingkup BCM terdiri dari Business Continuity of Business Continuing Plan (BCP) as the Bank’s
Plan (BCP) sebagai prosedur kelangsungan usaha and subsidiaries’ business continuity procedures
Bank dan entitas anak serta Emergency Response and Emergency Response Plan (ERP) as an
Plan (ERP) sebagai prosedur tanggap darurat emergency procedure in order to save data and
bencana dalam rangka penyelamatan data dan assets also a Disaster Recovery Plan (DRP) as the
asset serta Disaster Recovery Plan (DRP) sebagai continuity procedures for systems and supporting
prosedur kelangsungan sistem dan infrastruktur infrastructures of Information Technology and also
pendukung Teknologi Informasi dan terus enhanced and adapted continuously to business
disempurnakan serta disesuaikan dengan development and systems held by The Bank and
perkembangan bisnis dan sistem yang dimiliki subsidiaries.
Bank dan entitas anak.
188
586

51. ASET DAN LIABILITAS MONETER DALAM 51. MONETARY ASSETS AND LIABILITIES IN
MATA UANG ASING FOREIGN CURRENCY
Pada tanggal 31 Desember 2013, Bank dan entitas As of December 31, 2013, the Bank and
anak memilki aset dan liabilitas moneter yang subsidiaries have significant monetary assets and
signifikan dalam mata uang asing. Nilai aset dan liabilities denominated in foreign currencies. The
liabilitas moneter dalam mata uang asing pada value of these monetary assets and liabilities
tanggal laporan posisi keuangan konsolidasian denominated in foreign currencies as of the
Introduction
disajikan seperti di bawah ini. consolidated statement of financial position date
are presented below:
Ekuivalen Rupiah/
Mata Uang Asing/ Equivalent in
Foreign Currency Rupiah
Aset Assets
Kas (Catatan 4) Cash (Note 4)
Performance
Dolar Amerika Serikat 1.132.185 13.779 United States Dollar
Dolar Singapura 89.168 858 Singapore Dollar
Euro Eropa 19.140 321 European Euro
Riyal Saudi Arabia 42.004 136 Saudi Arabian Riyal
Dolar Australia 12.550 136 Australian Dollar
Yen Jepang 266.000 31 Japanese Yen
Yuan Cina 8.400 17 Chinese Yuan
Dolar Hong Kong 5.750 9 Hong Kong Dollar
Good Corporate
Governance
Poundsterling Inggris 1.620 32 Great Britain Poundsterling
Giro pada Bank Indonesia (Catatan 5) Bank Indonesia (Note 5)
Current accounts
Giro pada bank lain (Catatan 6) with other banks (Note 6)
Euro Eropa 1.509.284 25.295 European Euro
Corporate Social
Responsibility
Dolar Singapura 1.174.544 11.302 Singapore Dollar
Poundsterling Inggris 70.131 1.410 Great Britain Poundsterling
Yen Jepang 519.647 60 Japanese Yen
Dolar Hong Kong 588.482 924 Hong Kong Dollar
Indonesia dan bank lain (Catatan 7) - - and other banks (Note 7)
Wesel ekspor dan tagihan
Consolidated
Lainnya (Catatan 11) Bills and other receivables (Note 11)
Yuan Cina - - Chinese Yuan
Kredit yang diberikan (Catatan 12) Loans (Note 12)
Tagihan akseptasi (Catatan 14) Acceptance payables (Note 14)
Corporate Data
189
587

51. ASET DAN LIABILITAS MONETER DALAM 51. MONETARY ASSETS AND LIABILITIES IN
MATA UANG ASING (lanjutan) FOREIGN CURRENCY (continued)
Ekuivalen Rupiah/
Mata Uang Asing/ Equivalent in
Foreign Currency Rupiah
Aset (lanjutan) Assets (continued)

Bunga yang masih akan
diterima (Catatan 17) Interest receivables (Note 17)
Aset lain-lain (Catatan 18) Other assets (Note 18)
Subtotal 510.835 Subtotal
Obligations due
Liabilitas segera (Catatan 19) immediately (Note 19)
Deposits from customers and
Simpanan nasabah dan simpanan deposits from customers
nasabah syariah (Catatan 20) - sharia (Note 20)
Dolar Singapura 1.120.018 10.777 Singapore Dollar
Euro Eropa 30.540 512 European Euro
Dolar Australia 677 7 Australian Dollar
Simpanan dari bank lain (Catatan 21) Deposits from other banks (Note 21)
Bunga yang masih harus
dibayar (Catatan 27) Interest payables (Note 27)
Dolar Amerika Serikat 10.025 121 United States Dollar
Liabilitas lain-lain (Catatan 28) Other liabilities (Note 28)
Euro Eropa - - European Euro
Subtotal 629.503 Subtotal
Aset bersih (118.668) Net assets
Pada tanggal 6 Maret 2014 (tanggal laporan As of March 6, 2014 (the date of independent
auditor independen), nilai tukar rata-rata mata uang auditors’ report), the average rates of foreign
asing yang menggunakan kurs tengan berdasarkan exchange using the moddle rates based on
Reuters (pukul 16.00 Waktu Indonesia Barat) Reuters (at 16.00 hours Western Indonesia Time)
(dalam Rupiah penuh) adalah Rp11.478 per USD1, (in full amount) are Rp11,478 per USD1, Rp10,356
Rp10.356 per AUD1, Rp9.072 per SGD1, per AUD1, Rp9,072 per SGD1, Rp19,183 per
Rp19.183 per GBP1, Rp112 per JPY1, Rp1.479 GBP1, Rp112 per JPY1, Rp1,479 per HKD1,
per HKD1, Rp15.756 per EUR1, Rp3.060 per Rp15,756 per EUR1, Rp3,060 per SAR1, Rp 1,880
SAR1, Rp1.880 per CNY1. Jika nilai tukar mata per CNY1. Had this foreign exchange rates been
uang asing ini digunakan untuk menyajikan aset used to restate the above-mentioned assets and
dan liabilitas Bank dan entitas anak dalam mata liabilities denominated in foreign currencies of the
uang asing yang disebutkan diatas, maka nilai aset Bank and subsidiaries, the net assets amount
bersih akan menjadi sebesar Rp2.709. would be by Rp2,709.
190
588

52. MANAJEMEN MODAL DAN RASIO KEWAJIBAN 52. CAPITAL MANAGEMENT AND MINIMUM
PENYEDIAAN MODAL MINIMUM REQUIRED CAPITAL ADEQUACY RATIO (CAR)
Tujuan utama manajemen permodalan Bank The primary objectives of the Bank’s capital
adalah untuk memastikan bahwa permodalan management are to ensure that it complies with
telah memenuhi persyaratan permodalan ekternal externally imposed capital requirements and it
dan mempertahankan peringkat kredit yang kuat maintains strong credit ratings and healthy capital
dan rasio permodalan yang sehat dalam rangka ratios in order to support its business and to
Introduction
menunjang bisnis dan memaksimalkan nilai maximize shareholders’ value.
pemegang saham.
Bank mengatur struktur modal dan membuat The Bank manages its capital structure and makes
penyesuaian atas perubahan kondisi ekonomi dan adjustments to it in the light of changes in
karakteristik risiko kegiatannya. Dalam rangka economic conditions and the risk characteristics of
mempertahankan atau menyesuaikan struktur its activities. In order to maintain or adjust the

modal, Bank dapat menyesuaikan jumlah capital structure, the Bank may adjust the amount
Performance
pembayaran deviden kepada pemegang saham, of dividend payment to shareholders, return capital
struktur pengembalian modal, atau penerbitan structure, or issue capital securities. No changes
modal sekuritas. Tidak terdapat perubahan tujuan, were made in the objectives, policies and
kebijakan dan proses dari tahun sebelumnya. processes from the previous years.
Bank telah memenuhi semua persyaratan modal The Bank has complied with all externally imposed
yang diwajibkan sepanjang tahun. capital requirements throughout the year.
Good Corporate
Governance
CAR adalah rasio modal terhadap Aset Tertimbang CAR is the ratio of capital to Risk Weighted Assets
Menurut Risiko (ATMR), perhitungannya (RWA), the computation is based on Bank
didasarkan pada Peraturan Bank Indonesia Indonesia Regulation No. 10/15/PBI/2008 dated
No. 10/15/PBI/2008 tanggal 24 September 2008 September 24, 2008, whereby the total capital for
dimana jumlah modal untuk risiko kredit terdiri dari credit risk consists of core capital and
modal inti dan modal pelengkap. Selain itu bank supplementary capital. Banks which meet certain
dengan kriteria tertentu harus memasukkan risiko criteria have to consider market and operational
Corporate Social
Responsibility
pasar dan risiko operasional dalam perhitungan risk in the computation of CAR by including
CAR dengan memasukan komponen modal additional supplementary capital component.
pelengkap tambahan.
Pada tanggal 31 Desember 2013, Bank telah As of December 31, 2013, Bank has implemented
menerapkan PBI No. 14/18/PBI/2012 tanggal PBI No. 14/18/PBI/2012 dated November 28, 2012
28 November 2012 tentang Kewajiban Penyediaan on Minimum Capital Reserve for General Bank
Modal Minimum Bank Umum berdasarkan based on Risk Profile Rating, which amends PBI
Peringkat Profil Risiko, yang merupakan perubahan No. 10/15/PBI/2008 dated September 24, 2008. Consolidated
dari PBI No. 10/15/PBI/2008 tanggal 24 September The aforementioned regulation is initially effective
2008. Peraturan tersebut efektif diterapkan for the March 2013 reporting using the December
pertama kali untuk pelaporan posisi bulan Maret 2012 risk profile.
2013 dengan menggunakan profil risiko bulan
Desember 2012.
Corporate Data
191
589

52. MANAJEMEN MODAL DAN RASIO KEWAJIBAN 52. CAPITAL MANAGEMENT AND MINIMUM
PENYEDIAAN MODAL MINIMUM (lanjutan) REQUIRED CAPITAL ADEQUACY RATIO (CAR)
(continued)
Rasio kewajiban penyediaan modal minimum pada The capital adequacy ratio as of December 31,
tanggal-tanggal 31 Desember 2013 dan 2012 2013 and 2012 (parent entity) (unaudited) are as
(entitas induk) (tidak diaudit) adalah sebagai follows:
berikut:
2013 2012
Aset tertimbang menurut risiko Risk weighted assets

- Tanpa memperhitungkan risiko pasar 24.932.833 19.511.884 Without market risk -
- Dengan memperhitungkan risiko pasar 26.097.356 20.053.269 With market risk -
- Dengan memperhitungkan risiko
operasional 32.351.477 25.244.181 With operational risk -
Modal Capital
- Modal inti 5.350.343 4.650.062 Core capital -
- Modal pelengkap (9.926) (77.687) Supplementary capital -
Total modal 5.340.417 4.572.375 Total capital
Rasio Kecukupan Modal Capital Adequacy Ratio
- Tanpa memperhitungkan risiko pasar 21,42% 23,43% Without market risk -
- Dengan memperhitungkan
risiko pasar 20,46% 22,80% With market risk -
- Dengan memperhitungkan
risiko operasional 16,51% 18,11% With operational risk -
Rasio modal inti terhadap Ratio of core capital to risk
aset tertimbang tanpa weighted assets
memperhitungkan risiko pasar 21,46% 23,83% without market risk
Rasio kewajiban penyediaan Minimum Capital Adequacy
modal minimum yang diwajibkan Ratio required by
oleh Bank Indonesia 8,00% 8,00% Bank Indonesia
53. MANAJEMEN RISIKO 53. RISK MANAGEMENT
Bank telah mengimplementasikan prosedur The Bank has implemented risk management
manajemen risiko sesuai dengan PBI tentang procedures to comply with PBI regarding the
Penerapan Manajemen Risiko bagi Bank Umum Application of Risk Management for Commercial
yang dicakup dalam PBI No. 5/8/PBI/2003 dan Banks as covered by PBI No. 5/8/PBI/2003 and BI
Surat Edaran BI No. 5/21/DPNP tentang Circular Letter No. 5/21/DPNP regarding
Penerapan Manajemen Risiko bagi Bank Umum Application of Risk Management for Commercial
yang telah diubah melalui PBI No. 11/25/PBI/2009 Banks which had been revised by PBI
tentang perubahan atas Peraturan Bank Indonesia No. 11/25/PBI/2009 regarding amendment for PBI
No. 5/8/PBI/2003 tentang Penerapan Manajemen No.5/8/PBI/2003 for Application of Risk
Risiko Bagi Bank Umum, sehingga Bank harus Management for Commercial Banks, therefore the
mengelola serta melakukan mitigasi risiko sesuai Bank has to manage and carry out risk mitigation
ruang lingkup aktivitas bisnisnya, yaitu risiko kredit, to comply with its business activities scope, which
risiko pasar, risiko operasional, risiko likuiditas, consist of credit risk, market risk, operational risk,
risiko hukum, risiko reputasi, risiko strategis dan liquidity risk, legal risk, reputational risk, strategic
risiko kepatuhan. risk and compliance risk.
192
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53. MANAJEMEN RISIKO (lanjutan) 53. RISK MANAGEMENT (continued)
Profil Risiko Risk Profile
Bank dan entitas anak juga membuat profil risiko The Bank and subsidiaries also prepare a risk
yang secara garis besar dapat memetakan unit profile which is able to map those business units
kerja yang memiliki risiko maupun potensi risiko which carry risks as well as the potential risks that
yang menganggu kelangsungan bisnis Bank dan affect the Bank’s and subsidiaries’ abilities to
entitas anak serta menggunakan 5 (lima) komposit continue as a going concern and also use five
Introduction
untuk delapan jenis risiko yang dihadapi Bank dan composites for eight types of risk encountered by
entitas anak. the Bank and subsidiaries.
Bank dan entitas anak telah membentuk struktur The Bank and subsidiaries have established an
organisasi manajemen risiko yang terpusat dan independent and centralized organization structure
independen yang memiliki fungsi mengindentifikasi, for risk management which has the function to
mengukur, memonitor dan mengelola risiko-risiko identify, measure, monitor and maintain basic risk
Performance
dasar dan menetapkan pedoman serta kebijakan and to set guidelines and risk policy.
risiko.
Pengungkapan mengenai risiko kredit, risiko nilai The disclosure on credit risk, foreign exchange
tukar, risiko likuiditas, risiko suku bunga, risiko risk, liquidity risk, interest rate risk, market risk and
pasar dan risiko operasional telah diungkapkan operational risk has been made in separate notes
dalam catatan tersendiri (Catatan 46, 47, 48, 49 (Notes 46, 47, 48, 49 and 50).
dan 50).
Good Corporate
Governance
a. Risiko hukum a. Legal risks
Risiko hukum adalah risiko yang disebabkan Legal risk is the risk raised by weaknesses in
oleh adanya kelemahan aspek yuridis dalam juridicial aspects of the business, which may
bisnis, yang antara lain disebabkan adanya be caused by legal claims, non-existence of
tuntutan hukum, ketiadaan peraturan supported regulation or weaknesses in
Corporate Social
perundang-undangan yang mendukung, atau agreements, such as unfulfilled terms and
Responsibility
kelemahan perikatan seperti tidak dipenuhinya conditions in contracts and binding collateral
syarat sahnya kontrak dan pengikatan agunan which is not complete.
yang tidak sempurna.
Bank dan entitas anak mengelola risiko hukum Legal risks are managed by ensuring that all
dengan memastikan seluruh aktivitas dan activities and business relationships between
hubungan kegiatan usaha Bank dan entitas the Bank and subsidiaries with third parties
anak dengan pihak ketiga didasarkan pada are based on rules and conditions which able
aturan dan persyaratan yang dapat melindungi to protect the Bank’s and subsidiaries’ Consolidated
kepentingan Bank dari segi hukum. interests from a legal perspective.
b. Risiko reputasi b. Reputational risks
Risiko reputasi adalah risiko yang antara lain Reputational risk is the risk that is caused by
disebabkan oleh adanya publikasi negatif yang negative publicity related to the business
Corporate Data
terkait dengan kegiatan usaha Bank dan activity of the Bank and subsidiaries or
entitas anak atau persepsi negatif terhadap negative perception of the Bank and
Bank dan entitas anak. subsidiaries.
Bank dan entitas anak mengelola risiko The Bank and subsidiaries manage their
reputasi dengan memastikan kesesuaian reputational risk by ensuring that its business
antara aktivitas kegiatan usaha Bank dan activities are in conformity with its other
entitas anak bersama-sama dengan aktivitas activities, so as to maintain the Bank’s and
lain sehingga reputasi Bank dan entitas anak subsidiaries’ reputation.
tetap terjaga.
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53. MANAJEMEN RISIKO (lanjutan) 53. RISK MANAGEMENT (continued)
c. Risiko strategis c. Strategic risks
Risiko strategis adalah risiko yang antara lain Strategic risk is the risk that is caused by
disebabkan adanya penetapan dan inappropriate determination and
pelaksanaan strategi Bank dan entitas anak implementation of the Bank and subsidiaries
yang tidak tepat, pengambilan keputusan strategy, inappropriate business decisions or
bisnis yang tidak tepat atau kurang being un-responsive to external changes.
responsifnya Bank dan entitas anak terhadap
perubahan eksternal.
Bank dan entitas anak mengelola risiko The Bank and subsidiaries manage strategic
strategis melalui proses pertimbangan dan risks through a consideration of, and decision-
pengambilan keputusan setiap kebijakan making process regarding every strategic
strategis secara kolektif dan komprehensif oleh policy in a collective and comprehensive
Direksi dan Komite-Komite yang telah manner performed by the established the
dibentuk. Bank’s and subsidiaries’ Directors and
Committees.
d. Risiko kepatuhan d. Compliance risks
Risiko kepatuhan adalah risiko yang timbul Compliance risk is the risk that rises because
akibat Bank dan entitas anak tidak mematuhi Bank and subsidiaries did not comply and/or
dan/atau tidak melaksanakan peraturan did not follow the law and regulation, including
perudang-undangan dan ketentuan yang sharia principle for sharia bank and Sharia
berlaku, termasuk prinsip syariah bagi bank Business Unit.
umum syariah dan Unit Usaha Syariah.
Bank dan entitas anak melaksanakan fungsi Bank and subsidiaries perform compliance
kepatuhan meliputi tindakan untuk: function including:
1. Mewujudkan terlaksananya budaya 1. To create compliance culture in all level of

kepatuhan pada semua tingkatan organitation and Bank’s and subsidiaries’
organisasi dan kegiatan usaha Bank dan business activities;
entitas anak;
2. Mengelola risiko kepatuhan yang dihadapi 2. Manages compliance risk face by the
oleh Bank dan entitas anak; tindakan Bank and subsidiaries; managing
mengelola risiko kepatuhan dilaksanakan compliance risk is based on Bank
dengan mengacu pada ketentuan Bank Indonesia’s regulation about Risk
Indonesia mengenai Manajemen Risiko Management for the Bank and
Bagi Bank Umum; subsidiaries;
3. Memastikan agar kebijakan, ketentuan, 3. Ensure policy, regulation, system and
Sistem, dan prosedur serta kegiatan procedure, and bank business activities
usaha yang dilakukan oleh Bank telah inline with Bank Indonesia’s regulation
sesuai dengan ketentuan Bank Indonesia and law, including sharia principle for
dan peraturan perundang-undangan yang sharia bank and sharia business unit; and
berlaku, termasuk Prinsip Syariah bagi
Bank Umum Syariah dan Unit Usaha
Syariah; dan
4. Memastikan kepatuhan Bank terhadap 4. Ensure bank’s compliance with
komitmen yang dibuat oleh Bank kepada comitments made by the Bank to
Indonesia dan/atau otoritas pengawas lain Indonesia and/or other monitoring
yang berwenang. authority.
194
592

54. JAMINAN PEMERINTAH TERHADAP 54. GOVERNMENT GUARANTEE FOR PAYMENT

LIABILITAS PEMBAYARAN BANK UMUM LIABILITY OF COMMERCIAL BANKS
Berdasarkan Keputusan Presiden Republik Based on Article 8 of the Decision No. 15 year
Indonesia No. 15 tahun 2004 tentang pengakhiran 2004 of the President of the Republic of Indonesia
tugas dan pembubaran BPPN, dinyatakan dalam regarding the termination of the role and winding-
pasal 8 bahwa dengan diakhirinya tugas dan up of IBRA, the Government Guarantee Program
dibubarkannya BPPN, Program Penjaminan on the obligations of domestic banks, which was
Pemerintah terhadap kewajiban pembayaran bank originally handled by IBRA based on the Decisions
Introduction
umum yang semula dilakukan oleh BPPN of the President of the Republic of Indonesia
berdasarkan Keputusan Presiden Republik No. 26 year 1998 and No. 27 year 1998, shall be
Indonesia No. 26 tahun 1998 dan Keputusan handled by the Ministry of Finance, specifically by
Presiden Republik Indonesia No. 27 tahun 1998, the Government Guarantee Implementation Unit
selanjutnya dilaksanakan oleh Menteri Keuangan (Unit Pelaksanaan Penjaminan Pemerintah) (UP3)
melalui Unit Pelaksanaan Penjaminan Pemerintah as provided in the Decision of the President of the

(UP3) sebagaimana diatur oleh Keputusan Republic of Indonesia No. 17 year 2004, which was
Performance
Presiden Republik Indonesia No. 17 tahun 2004, further regulated by the Decision
yang diatur lebih lanjut dengan Keputusan Menteri No. 84/KMK.06/2004 dated February 27, 2004 of
Keuangan No. 84/KMK.06/2004 tanggal the Ministry of Finance regarding the Amendment
27 Februari 2004 tentang Perubahan atas of Decision No. 179/ KMK.017/2000 of the Ministry
Keputusan Menteri Keuangan Republik Indonesia of Finance on the Terms, Implementing Guidelines,
No. 179/KMK.017/2000 tentang Syarat, Tatacara and Conditions of the Government Guarantees on
dan Ketentuan Pelaksanaan Jaminan Pemerintah the obligations of commercial banks.
Good Corporate
terhadap Kewajiban Pembayaran Bank Umum.
Governance
Program Penjaminan Pemerintah melalui UP3 The Guarantee Program by the Government
telah berakhir pada tanggal 22 September 2005, through UP3 ended on September 22, 2005, as
sebagaimana dinyatakan dalam Peraturan Menteri stated in Regulation No. 68/PMK.05/2005 dated
Keuangan Republik Indonesia No. 68/PMK.05/2005 August 10, 2005 of the Ministry of Finance
tanggal 10 Agustus 2005 tentang Perhitungan Dan concerning the Calculation and Payments of
Pembayaran Premi Program Penjaminan Terhadap Premium on Guarantee Program from Commercial
Corporate Social
Responsibility
Pembayaran Bank Umum untuk periode 1 Juli Banks for the period July 1 to September 21, 2005.
sampai 21 September 2005. Sebagai pengganti To replace UP3, the Indonesia Deposit Insurance
UP3 Pemerintah telah membentuk Lembaga Corporation (LPS), which is an independent
Independen, yaitu Lembaga Penjamin Simpanan institution that guarantees public funds including
(LPS) berdasarkan Undang-undang Republik funds from other banks in the form of demand
Indonesia No. 24 tahun 2004 tanggal 22 September deposits, time deposits, certificates of deposit,
2004 tentang Lembaga Penjamin Simpanan savings deposits and/or other equivalent form, was
dimana LPS menjamin dana masyarakat termasuk established based on Law of the Republic of
Consolidated
dana dari bank lain dalam bentuk giro, deposito, Indonesia No. 24 year 2004 dated September 22,
sertifikat deposito, tabungan dan/atau bentuk 2004.
lainnya yang dipersamakan dengan itu.
Berdasarkan Peraturan Pemerintah Republik Based on Government Regulation No. 66 year

Indonesia No. 66 tahun 2008 tanggal 2008 dated October 13, 2008 regarding the
13 Oktober 2008 mengenai Besarnya Nilai Amount of Deposit Guaranteed by the Indonesia
Corporate Data
Simpanan yang Dijamin Lembaga Penjaminan Deposit Insurance Corporation, the amount of
Simpanan, jumlah simpanan yang dijamin LPS deposit covered by LPS is up to Rp2,000 per
adalah simpanan sampai dengan Rp2.000 untuk depositor per bank.
per nasabah per bank.
Pada tanggal 13 Januari 2009, Pemerintah On January 13, 2009, the Government of
Republik Indonesia telah mengesahkan Perppu the Republic of Indonesia stipulated Perppu
No. 3/2008 menjadi Undang-undang. No. 3/2008 to become a law.
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593

55. PERIKATAN-PERIKATAN YANG SIGNIFIKAN 55. SIGNIFICANT AGREEMENTS
a. Perjanjian penyelenggaraan Anjungan a. Joint Automatic Teller Machine (“ATM”)

Tunai Mandiri (“ATM”) Bersama agreement
Pada tanggal 1 April 2008, Bank mengadakan On April 1, 2008, the Bank entered into a Joint
perjanjian penyelenggaraan ATM Bersama ATM agreement with PT Artajasa Pembayaran
dengan PT Artajasa Pembayaran Elektronik. Elektronik. Based on this agreement, the Bank
Dalam perjanjian tersebut, Bank akan will utilize a joint ATM network of 13,000 ATM
mendapatkan manfaat jaringan ATM Bersama units throughout Indonesia. The agreement will
di lebih dari 13.000 ATM di seluruh Indonesia. due on October 31, 2015.
Perjanjian tersebut berlaku sampai dengan
tanggal 31 Oktober 2015.
b. Perjanjian penyediaan layanan operasional b. ATM, CDM and Drive Thru terminal
terminal ATM, CDM dan Drive Thru operational service provider agreement
Pada tanggal 1 April 2008. Bank telah On April 1, 2008. the Bank entered into an
mengadakan perjanjian penyediaan layanan agreement for the provision of ATM terminal
operasional terminal ATM dengan PT Artajasa operational service by PT Artajasa
Pembayaran Elektronik. Dalam perjanjian Pembayaran Elektronik. Based on this
tersebut. tanggung jawab PT Artajasa agreement. PT Artajasa Pembayaran
Pembayaran Elektronik meliputi penyediaan Elektronik is responsible for providing and
dan instalasi terminal ATM, Cash Deposit installing ATM, Cash Deposit Machine (CDM),
Machine (CDM) dan Drive Thru. Perjanjian and Drive Thru terminals. The agreement was
tersebut telah diubah beberapa kali, terakhir amended several times. the latest by
dengan perjanjian No. 045/DIR-TI/2008 agreement No. 045/DIR-TI/2008 dated
tanggal 1 November 2012. November 1, 2012.
Dalam perjanjian kerjasama disebutkan jangka The agreement mentioned the period of
waktu penggunaan layanan operasional operating services will be extended up to
masing-masing terminal diperpanjang sampai October 31, 2015 with rental cost amounting to
dengan 31 Oktober 2015 dengan biaya sewa Rp987,000 (full amount) for each ATM unit and
sebesar Rp987.000 (nilai penuh) per unit ATM up to October 31, 2013 with rental cost
dan sampai dengan 31 Oktober 2013 dengan amounting to Rp5,000,000 (full amount) per
biaya sewa sebesar Rp5.000.000 (nilai penuh) unit CDM and Drive Thru. As of December 31,
per unit CDM dan Drive Thru. Pada tanggal 2013 there are 1,137 ATM units, 1 CDM units
31 Desember 2013, terdapat 1.137 unit ATM, and 1 Drive Thru units already connected
1 unit CDM dan 1 unit Drive Thru yang telah online and with approval from Bank Indonesia.
online dan memperoleh izin dari Bank
Indonesia.
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55. PERIKATAN-PERIKATAN YANG SIGNIFIKAN 55. SIGNIFICANT AGREEMENTS (continued)

(lanjutan)
c. Jasa Bank Pengumpulan Uang Tol c. Collection of Toll Fees
Bank telah mengadakan perikatan The Bank has entered into agreements for toll
pengumpulan uang tol dengan PT Jasa Marga fees collections with PT Jasa Marga (Persero)
(Persero) Tbk dan beberapa perusahan Tbk and several other companies summarized
pengelola jalan tol lainnya dengan data as follows:
Introduction
sebagai berikut:
Tanggal
Kantor Cabang/ Perusahaan/ No. Perjanjian/
No Perjanjian/
Branches Company Agreement No.
Agreement Date
PT Jasa Marga 09/FE09/HX02/2009- 1 Juni /

1 Palikanci
(Persero) Tbk 162/PSU-CRB/2009 June 1, 2009
Performance
09/MSJ/KONTRAK-
PT Marga Sarana 19 November /
2 Bogor Ring Road DIR/2009 dan 002/PKS-
Jabar (MSJ) November 19, 2009
BGR/2009
PT Jasa Marga CH.HK02.154 dan 1 September /
3 Purbaleunyi
(Persero) Tbk 619/BDG/PSU/2010 September 1, 2010
Lingkar Dalam Kota 01/KONTRAK-CB/2011
PT Jalantol Lingkar 1 Januari /
4 Jakarta/ dan 0045/JKT-
Good Corporate
Luar Jakarta (JLJ) January 1, 2011
Governance
Jakarta Outer Ring Road PEM/LO/PKS/2011
Cawang - Tanjung Priok - PT Cipta Marga 10.A/SPJK-HK.04/2011
10 April /
5 Ancol Timur - Jembatan Nusaphala Persada dan 0064/PK/JKT-
April 10, 2011
Tiga Tbk (CMNP) PEM/LO/2011
Berdasarkan perjanjian tersebut pengelola Based on the agreement, the management of

jalan tol memberi kuasa kepada Bank untuk the toll roads authorized the Bank to take the
Corporate Social
Responsibility
mengambil hasil pendapatan tol dan toll fees revenue and store it in the
menyimpannya di rekening pengelola jalan tol management’s account at the Bank.
pada Bank.
Masa berlakunya perjanjian sejak perjanjian The validity period of these agreements started
ditandatangani dan dapat diperpanjang sesuai since they was signed and can be extended in
dengan kesepakatan para pihak. accordance with the agreements of the parties.
Consolidated
d. Nota Kesepahaman (MoU) dan Perjanjian d. Memorandum of Understanding (MoU) and
Kerjasama dengan beberapa perusahaan Cooperation Agreements with several state-
BUMN dan Institusi lainnya di Indonesia owned enterprises and other institutions in
Indonesia
1. Pada tanggal 9 Februari 2012, Bank telah 1. On February 9, 2012, the Bank has made
melakukan kesepakatan dalam hal an agreement in terms of utilization of
pemanfaatan Jasa Layanan Perbankan Banking Services with PT. Pelabuhan
Corporate Data
dengan PT. Pelabuhan Indonesia III Indonesia III (Persero) No. HK. 04/04/PIII-
(Persero) No. HK. 04/04/PIII-2012 dan 2012 and No. 001/NK-DIR-INS/2012.
No. 001/NK-DIR-INS/2012.
Ruang lingkup dalam nota kesepahaman The scope of this MOU consists of fund
ini adalah layanan penyimpanan dan storage and management services, cash
pengelolaan dana, layanan cash management services, banking services in
management, layanan perbankan dalam foreign exchange transactions, money
bidang transaksi valuta asing, money market line, loan facilities granting, and
market line, pemberian fasilitas kredit, other banking services.
layanan dan jasa perbankan lainnya.
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595


(lanjutan)

(lanjutan) Indonesia (continued)
2. Pada tanggal 28 Februari 2012, Bank telah 2. On February 28, 2012 the Bank has made
melakukan kesepakatan bersama agreements with the Bogor
dengan Pemerintah Kabupaten Bogor Government Regency on the banking
tentang Jasa dan Layanan Perbankan services in Bogor Regency under
di Kabupaten Bogor dengan perjanjian agreements No. 006/NK/DIR-INS/2012 and
No. 006/NK/DIR-INS/2012 dan No. 580/21/KB/XII/2012.
No. 580/21/KB/XII/2012.
Ruang lingkup dalam kesepakatan tersebut The scope of the agreement include the
antara lain penatausahaan dan administration and most of the cash
pengelolaan sebagian rekening kas daerah accounts management and other accounts
dan rekening lainnya di lingkungan in Bogor Government Regency
Pemerintah Kabupaten Bogor dan environment and utilization of services and
pemanfaatan jasa dan layanan perbankan banking services from Bank.
dari Bank.
3. Pada tanggal 29 Februari 2012, Perjanjian 3. On February 29, 2012 a Cooperation

Kerjasama telah dilakukan antara Kanwil Agreement had been made between the
IV PT Jamsostek (Persero) tentang Regional Office IV PT Jamsostek (Persero)
Sosialisasi Program Jaminan Sosial regarding Dissemination of Labor Social
Tenaga Kerja (Jamsostek) dan Jasa Security Program (Jamsostek) and banking
Perbankan No. 033/PKS/DIR-INS/2012 services No. 033/PKS/DIR-INS/2012 and
dan No. 580/21/KB/XII/2012. No. 580/21/KB / XII/2012.
Sesuai perjanjian tersebut, karyawan Under the agreement, the Bank employees
Bank mendapatkan manfaat kepesertaan obtained the benefits of membership of
Program Jaminan Sosial Tenaga Kerja. Labor Social Security Program. On the
Bank dapat melakukan sosialisasi other hand, the Bank may conduct the
mengenai jasa perbankan kepada socialization of banking services to the
karyawan PT Jamsostek (Persero). employees of PT Jamsostek (Persero).
4. Pada tanggal 15 Maret 2012, telah 4. On March 15, 2012, Cooperation

ditandatangani Perjanjian Kerjasama Agreements Implementation Notional
Pelaksanaan Treasury Notional Pooling Pooling Treasury Account at the bank with
Rekening Pemerintah pada Bank dengan the Goverment No. PRJ-3a/PB/2012 and
No. PRJ-3a/PB/2012 dan No. 037/PKS/DIR-INS/2012 has been
No. 037/PKS/DIR-INS/2012. signed.
Ruang lingkup perjanjian kerjasama The scope of the cooperation agreement is

tersebut adalah pemberian layanan giving services of Treasury Notional
Treasury Notional Pooling oleh Bank Pooling by the Bank to the Ministry of
kepada Kementrian Keuangan Indonesia. Finance Indonesia.
198
596


(lanjutan)
5. Pada tanggal 17 Maret 2009 Bank telah 5. On March 17, 2009, Bank has conducted a
Introduction
melakukan kesepakatan bersama antara mutual agreement with the Adviser Team of
Tim Pembina Sistem Administrasi One Roof Administration System (Samsat)
Manunggal Satu Atap (Samsat) Provinsi of West Java Province on the legistimation
Jawa Barat tentang Pelayanan service for Certificate of Vehicle
pengesahan Surat Tanda Nomor Registration Number (STNK) for every
Kendaraan (STNK) setiap tahun, year, motor vehicle tax revenues (PKB) and

penerimaan Pajak Kendaraan Bermotor the Compulsory Fund Contribution of Road
Performance
(PKB) dan Sumbangan Wajib Dana Traffic Accident (SWDKLLJ) through
Kecelakaan Lalu Lintas Jalan (SWDKLLJ) Samsat in the centers of West Java
melalui Samsat di sentra-sentra Community Services No. 973/40-Dispenda
Pelayanan Masyarakat Wilayah Jawa and No. 075/DIR-DJS/2009.
Barat No. 973/40-Dispenda dan
No. 075/DIR-DJS/2009.
Good Corporate
Governance
Ruang lingkup kesepakatan bersama The scope of the service agreement are
tersebut adalah pelayanan penerimaan motor vehicle tax receipts done in the office
pembayaran pajak kendaraan bermotor or outside the office with Samsat like
baik dilakukan di kantor bersama Samsat Samsat outlet and payment points of the
ataupun diluar kantor bersama Samsat Bank.
outlet dan payment point Bank.
Corporate Social
6. Pada tanggal 25 April 2012, telah dilakukan 6. On April 25, 2012, a Memorandum of
Responsibility
penandatanganan Nota Kesepahaman dan Understanding and Cooperation Agreement
Perjanjian Kerjasama dengan PT Garuda has been signed with PT Garuda Indonesia
Indonesia (Persero), Tbk tentang Corporate (Persero), Tbk of Corporate Sales
Sales dengan No. DS/PERJ/MOU/DZ- No. DS/PERJ/MOU/DZ-3178/2012 and
3178/2012 dan No. 006/NK/DIR-INS/2012. No. 006/NK/DIR-INS/2012.
Dalam kesepakatan tersebut, karyawan In the agreement, the Bank employees and
Consolidated
dan keluarga karyawan Bank their families received a discount of 11% for
mendapatkan potongan sebesar 11% untuk every purchase of domestic tickets and
setiap pembelian tiket domestik dan 18% 18% for every purchase of international
untuk setiap pembelian tiket internasional tickets and fixed during the course of this
dan bersifat tetap selama berlangsungnya agreement.
perjanjian ini.
Corporate Data
199
597


(lanjutan)
7. Pada tanggal 24 Mei 2012, Bank telah 7. On May 24, 2012, the Bank has made
dilakukan kesepakatan dengan an agreement with PT Pupuk Sriwidjaja
PT Pupuk Sriwidjaja Palembang Palembang (PT PUSRI) No. 139/MOU/DIR/
(PT PUSRI) dengan Bank 2012 and No. 005/NK/DIR-INS/2012
No. 139/MOU/DIR/2012 dan regarding Financial Management and
No. 005/NK/DIR-INS/2012 tentang Cooperation Agreement regarding Foreign
Pengelolaan Keuangan dan Currency Transactions with
Perjanjian Kerjasama tentang Transaksi No. 140/PKS/DIR/2012 and No. 065/
Valuta Asing No. 140/PKS/DIR/2012 dan PKS/DIR-INS/2012.
No. 065/PKS/DIR-INS/2012.
Ruang lingkup dalam kesepakatan tersebut The scope of the agreement is to build a
adalah dalam rangka membangun partnership in corporate financial
kemitraan antara Bank dengan PT PUSRI management between the Bank and
yaitu pengelolaan keuangan perusahaan. PT PUSRI. The Bank agreed to provide
Bank menyetujui untuk memberikan foreign currency transaction to PT PUSRI
fasilitas transaksi valuta asing kepada as Today Facilities (TOD) as agreed with
PT PUSRI berupa Fasilitas Today (TOD) the calculated amount per transaction
dengan jumlah sesuai kesepakatan yang confirmation set forth in the Foreign
dihitung per transaksi dituangkan dalam Exchange Transaction Closing.
konfirmasi Penutupan Transaksi Valuta
Asing.
8. Pada tanggal 28 Mei 2012, Bank telah 8. On May 28, 2012, the Bank has made an
melakukan kesepakatan bersama dengan agreement with PT Pacific Royale Airways
PT. Pacific Royale Airways dalam rangka in relation to the cooperation in Banking
kerjasama Jasa Layanan Perbankan dan Services and Air Transportation Service
Jasa Angkutan Udara dengan perjanjian under agreements No. DZ/PERJ-
No. DZ/PERJ-7017/V/2012 dan 7017/V/2012 and No. 008/NK/DIR-
No. 008/NK/DIR-INS/2012. INS/2012.
Ruang lingkup dalam kesepakatan tersebut The scope of the agreement is the
adalah penggunaan jasa dan layanan utilization of banking services as well as air
perbankan serta jasa angkutan udara. transportation services.
9. Pada tanggal 29 Juni 2012, Bank telah 9. On June 29, 2012, the Bank has performed
melakukan Addendum Perjanjian Jasa Banking Services Agreement Addendum as
Pelayanan Perbankan sebagai persepsi/ the Bank’s perception/ exchange
persepsi devisa Bank dalam rangka perception in the context of the Treasury
pelaksanaan Treasury Single Account Single Account (TSA) with the Director
(TSA) Penerimaan dengan Dirjen General of Treasury Receipt No. PRJ-
Perbendaharaan No. PRJ-59/PB/2012. 59/PB/2012.
200
598


(lanjutan)

Addendum tersebut dibuat setelah jangka Addendum was made after a period of time
Introduction
waktu perjanjian kerjasama No. PRJ- agreement No. PRJ-127/PB/2009 dated
127/PB/2009 tanggal 29 Desember 2009 December 29, 2009 regarding the Treaty of
mengenai Perjanjian jasa pelayanan banking services as collecting bank/
perbankan sebagai bank persepsi/devisa exchange perception in the context of the
persepsi dalam rangka pelaksanaan Treasury Single Account (TSA)
Treasury Single Account (TSA) Acceptance, purpose of the agreement is
penerimaan, tujuan dibuatnya perjanjian that the implementation of revenue state
Performance
kerjasama ini agar pelaksanaan collecting bank /exchange perception can
penerimaan negara melalui bank be done on time and on target.
persepsi/devisa persepsi dapat dilakukan
secara tepat waktu dan tepat sasaran.
10. Pada tanggal 24 Oktober 2012, Bank telah 10. On October 24, 2012, the Bank has made
melakukan penandatangan kesepakatan an agreement with PT Merpati Nusantara
Good Corporate
Governance
bersama dengan PT Merpati Nusantara Airlines (Persero) in the context of
Airlines (Persero) dalam rangka kerjasama Cooperation in Banking Services and
Jasa Layanan Perbankan dan Jasa Air Transportation Services under
Angkutan Udara No. E.9/MOU/50/X/2012 agreement No. E.9/MOU/50/X/2012 and
dan No. 016/NK/DIR-INS/2012. No. 016/NK/DIR-INS/2012.
Ruang lingkup dalam kesepakatan The scope of the agreement is the
Corporate Social
bersama ini adalah penatausahaan dan administration and account management,
Responsibility
pengelolaan rekening, pemanfaatan jasa utilization of banking services, cooperation
dan layanan perbankan, kerjasama for ticket payment transactions, cooperation
transaksi pembayaran tiket, kerjasama jasa for air transportation services through
angkutan udara melalui corporate account, corporate accounts, and other mutually
dan kerjasama lainnya yang saling beneficial cooperations in accordance with
menguntungkan sesuai dengan ketentuan the prevailing law and regulation.
Peraturan Perundang-undangan yang
Consolidated
berlaku.
11. Pada tanggal 20 Desember 2012, Bank 11. On December 20, 2012, the Bank has made
telah melakukan penandatangan bersama joint signatories with LPP RI (Indonesian
dengan LPP RRI (Radio Republik National Radio) about the provision and
Indonesia) tentang penyediaan dan utilization of banking services.
pemanfaatan jasa layanan perbankan.
Corporate Data
Ruang lingkup dalam kesepakatan The scope of the joint agreement is

bersama ini adalah kerjasama jasa cooperation in necessary banking services
perbankan yang dibutuhkan dan member and member benefits of LPP RRI and the
kemanfaatan bagi LPP RRI dan Bank yang Bank, which will be determined and agreed
akan ditentukan dan disepakati kemudian. later.
12. Pada tanggal 4 Desember 2012, Bank 12. On December 4, 2012, the Bank has signed
telah melakukan penandatangan Perjanjian the Cooperation Agreement with
Kerjasama dengan PT Merpati Nusantara PT Merpati Nusantara Airlines (Limited)
Airlines (Persero) tentang program regarding Corporate Rates and Buy 1 Get 1
Corporate Rates dan Buy 1 Get 1 Free. Free Programs.
201
599


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Ruang lingkup kerjasama ini adalah The scope of this cooperation is to provide
penyediaan jasa angkutan udara baik untuk of air transport services for passengers and
penumpang maupun barang serta goods, as well as special rates or discounts
memberikan harga khusus atau potongan for employees and special offers such as
harga bagi karyawan dan bagi pemegang buy 1 get 1 free ticket for Bank’s Debit
kartu debet Bank yang akan diberikan Cardholders bank in accordance with the
penawaran khusus berupa program Buy 1 agreement. The flight route in this
Get 1 Free dengan ketentuan sesuai yang partnership will be set by agreement of the
diperjanjikan. Rute penerbangan dalam parties and will be determined later.
kerjasama ini akan diatur berdasarkan
kesepakatan para pihak dan akan
ditentukan kemudian.
13. Pada tanggal 14 Februari 2013, Bank telah 13. On February 14, 2013, the Bank has signed
melakukan penandatangan Perjanjian additional agreement with PT Merpati
Kerjasama Tambahan dengan PT Merpati Nusantara Airlines (Limited) on Buy 1 Get 1
Nusantara Airlines (Persero) tentang Free program.
program Buy 1 Get 1 Free.
Addendum perjanjian ini bertujuan untuk These agreement addendum aims to

memperpanjang jangka waktu yang telah extend the term of the agreement, which
berakhir pada perjanjian sebelumnya. expired earlier. Along with the signing of
Dengan ditandatanganinya perjanjian this supplementary agreement, the Buy 1
tambahan ini, maka program Buy 1 Get 1 Get 1 Free program is still valid until this
Free masih berlaku sampai jangka waktu additional agreement period is over.
perjanjian tambahan ini berakhir.
14. Pada tanggal 14 Maret 2013, Bank telah 14. On March 14, 2013, the Bank has signed
melakukan 3 (tiga) penandatanganan 3 (three) Joint Agreements between
Perjanjian Kerjasama dengan PT Jamsostek (Persero) on providing and
PT Jamsostek (Persero) antara lain tentang using Cash Management facilities, current
pemberian dan pemanfaatan fasilitas Cash account management cooperation, and
Management, kerjasama pengelolaan Jamsostek Service Point Office
rekening giro, dan kerjasama Jamsostek cooperation.
Service Point Office.
Ruang lingkup perjanjian kerjasama The scope of the agreement on Cash

tentang fasilitas Cash Management oleh Management facilities by PT Jamsostek is
PT Jamsostek guna memperoleh informasi to obtain balance information, account
saldo, mutasi rekening, serta informasi movements, as well as product information
produk dan jasa layanan perbankan yang and banking services which can be
dapat di akses di lokasi nasabah secara accessed at the customer location in real
real time online selama 24 jam. time online for 24 hours.
202
600


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Introduction
Ruang lingkup perjanjian kerjasama The scope of the agreement on the current
pengelolaan rekening giro ini adalah account management is Bank appointed by
penunjukan Bank oleh PT Jamsostek untuk PT Jamsostek to implement revenue
melaksanakan penerimaan iuran, hasil contribution, investment, acceptance of
investasi, penerimaan lain-lain, penyaluran others, DPKP channeling funds programs,
dana program DPKP, kemitraan, bina partnerships program, community
lingkungan, jasa konstruksi dan Tenaga development, construction services and
Kerja Luar Hubungan Kerja (TKLHK). Labor Out of Employment (TKLHK).
Performance
Ruang lingkup perjanjian kerjasama The scope of the agreement on Jamsostek
Jamsostek Service Point Office adalah Service Point Office is the use of facilities in
pemanfaatan fasilitas pelayanan oleh Bank service by the Bank to receive
dalam menerima pembayaran iuran membership payment for Jamsostek
kepesertaan program Jamsostek, program, assists in providing membership
membantu pemberian formulir pendaftaran registration forms, membership forms and
Good Corporate
Governance
kepesertaan, dan formulir perubahan data Jamsostek data changes, received JHT
kepesertaan Jamsostek, menerima berkas claim file and checks the completeness of
pengajuan klaim JHT dan melakukan the document claim files JHT and assist in
pengecekan berkas kelengkapan dokumen providing information about Social Security
klaim JHT serta membantu dalam programs in 12 Bank office networks.
memberikan informasi tentang program-
program Jamsostek di 12 jaringan kantor
Corporate Social
Responsibility
Bank.
15. Pada tanggal 30 Januari 2013 Bank kembali 15. On January 30, 2013 the Bank has signed
melakukan penandatanganan Perjanjian the agreement with the PT Jamsostek
Kerjasama dengan PT Jamsostek (Persero) on Advances Borrowings for
(Persero) tentang Pinjaman Uang Muka Housing Loan with Bank Cooperation
Perumahan Kerjasama Bank (PUMP-KB) (PUMP-KB) and the Home Renovation
dan Pinjaman Renovasi Rumah Kerjasama Loan Bank Cooperation (PRR-KB) No.
Consolidated
Bank (PRR-KB) No. PER/30/012013 dan PER/30/012013 and No. 017/ PKS/DIR-
No. 017/PKS/DIR-KPR/2013. KPR/2013.
Ruang lingkup dalam perjanjian kerjasama Scope of the agreement is to provide and
tersebut adalah penyediaan dan distribute of housing loan advances placed
penyaluran bantuan pinjaman uang muka on the Bank current account.
Corporate Data
perumahan yang di tempatkan pada giro

yang ada pada Bank.
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601


(lanjutan)
16. Pada tanggal 14 Maret 2013, Bank telah 16. On March 14, 2013, the Bank has signed
melakukan 4 penandatanganan Nota 4 Memorandum of Understanding and
Kesepahaman dan Perjanjian Kerjasama Cooperation Agreement with the
dengan Universitas Pasundan antara lain University Pasundan including
Nota Kesepahaman tentang Jasa Memorandum of Understanding on
Layanan Perbankan, Kerjasama Banking Services, Cash Management
Penggunaan bjb Cash Management Cooperation Using BJB Financial
untuk Layanan Informasi Keuangan Banking Information Services (Accounts
Perbankan (Account Service), Layanan Service), Cash Management Services
bjb Cash Management untuk BJB Student Tuition Payment (Education
Pembayaran Biaya Pendidikan Payment) and the use of ATM Card Co-
Mahasiswa (Education Payment) serta Branding facilities.
pemanfaatan fasilitas Kartu ATM Co-
Branding.
Ruang Lingkup Nota Kesepahaman The Scope of the Memorandum of

tentang Jasa Layanan Perbankan adalah Understanding on Banking Services is
Bank sebagai penyedia jasa ditunjuk agar that the Bank as a service provider has
dapat mengelola rekening giro, deposito, assigned to manage current account,
serta beberapa produk dan jasa lain serta time deposit, some other products and
bekerjasama dalam hal recruitment services as well as cooperate in
pegawai. employee recruitment.
Ruang Lingkup Nota Kesepahaman The Scope of the Memorandum of

dan/atau Perjanjian Kerjasama tentang Understanding and/or the Agreement on
layanan bjb Cash Management untuk services BJB Cash Management for
layanan informasi keuangan perbankan banking financial information services is
adalah guna menyediakan informasi to provide balance information, accounts
saldo, mutasi rekening, serta informasi movements, and products information
produk dan jasa layanan perbankan yang and banking services that can be
dapat di akses secara real time online accessed in real time online for 24
selama 24 jam. hours.
Ruang lingkup perjanjian kerjasama The scope of the agreement on bjb cash
tentang layanan bjb cash management management services for students
untuk pembayaran biaya pendidikan tuition payment (payment education)
mahasiswa (education payment) adalah students are receiving payments to do in
penerimaan pembayaran mahasiswa the office network and the electronic
yang dapat dilakukan di jaringan kantor network of Banks all over Indonesia
serta jaringan elektronik Bank yang through online system.
tersebar di seluruh wilayah indonesia
secara sistem online.
Ruang lingkup perjanjian kerjasama The scope of the agreement on the use
tentang pemanfaatan fasilitas kartu ATM of ATM Card Facility Co-Branding is the
Co-Branding adalah pemanfaatan kartu use of ATM cards as well as student ID
ATM sekaligus kartu identitas mahasiswa cards that generally can be used and
yang dapat digunakan dan berfungsi serves as an ATM card.
sebagai kartu ATM pada umumnya.
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602


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17. Pada awal tahun 2013, Bank telah 17. In early 2013, the Bank has worked on
Introduction
melakukan kerjasama tentang layanan Service Tax Payment Receipt Land and
penerimaan pembayaran Pajak Bumi dan Building Rural and Urban sectors (UN-
Bangunan sektor Pedesaan dan P2) and other regional tax online (BJB E-
Perkotaan (PBB-P2) dan Pajak Daerah TAX) with 14 Municipal and District
lainnya secara online (bjb E-TAX) dengan around West Java and Banten, which can
14 Pemerintah Kota dan Kabupaten se- be done in every office networks and

Jawa Barat dan Banten yang dapat electronic networks throughout
Performance
dilakukan di seluruh jaringan kantor dan Indonesia.
jaringan elektronik Bank yang tersebar di
seluruh Indonesia.
18. Pada awal tahun 2013, Bank telah 18. In early 2013, the Bank has worked with
melakukan kerjasama dengan 34 Kota 34 cities and regencies around West
dan Kabupaten se-Jawa Barat dan Java and Banten about the Regional
Good Corporate
Governance
Banten tentang Pengelolaan Rekening Cash Management Account.
Kas umum Daerah.
The scope of this cooperation include
Ruang Lingkup kerjasama ini adalah
General Cash Account management for
Pengelolaan Rekening Kas Umum time deposit and current account in 34
Daerah baik Giro maupun Deposito di 34 municipalities and regencies in West
Kota dan Kabupaten Se- Jawa Barat dan Java and Banten.
Banten.
Corporate Social
Responsibility
Pada tanggal 5 Juli 2010, PT Bank On July 5, 2010, PT Bank Jabar Banten
Jabar Banten Syariah, entitas anak, Syariah, the subsidiary, has signed a
menandatangani perjanjian kerjasama joint agreement on the full outsource
tentang pekerjaan jasa full outsource service of Information Technology
system teknologi informasi untuk core System for core banking system with
banking system syariah dengan PT Collega Inti Pratama with a three
PT Collega Inti Pratama, dengan masa years contract term.
Consolidated
kontrak 3 tahun.
19. Pada tanggal 19 Desember 2013 Bank 19. On December 19, 2013, Bank has signed
kembali melakukan penandatanganan Memorandum of Understanding with
Nota Kesepahaman dengan PT Telkom PT Telkom Tbk about cooperation
Tbk tentang kerjasama Sinergi Synergy Products and Services
Pemanfaatan Produk dan Jasa. Utilization.
Corporate Data
Ruang lingkup kerjasama ini meliputi The scope of this cooperation include
pemanfaatan dan penggunaan layanan the utilization and use of products and
produk dan jasa yang dimiliki oleh services owned by each party.
masing-masing pihak.
205
603


(lanjutan)
20. Pada Tanggal 23 Oktober 2013, Bank 20. On October 23, 2013, the Bank has
kembali melakukan penandatanganan signed a Memorandum of Understanding
Nota Kesepahaman dengan with PT Pertamina (Persero).
PT Pertamina (Persero).
Ruang lingkup kerjasama ini meliputi Scope of this cooperation covers
kerjasama pemanfaatan produk dan jasa cooperation utilization products and
layanan perbankan serta penggunaan services usage and marketing banking
dan pemasaran kartu RFID. and RFID cards.
e. Perjanjian kerjasama jasa full outsource e. Joint agreement on the information

system teknologi informasi core banking technology full outsource sharia core
system syariah banking system
Pada tanggal 5 Juli 2010, PT Bank Jabar On July 5, 2010, PT Bank Jabar Banten
Banten Syariah, entitas anak, Syariah, a subsidiary, has signed a joint
menandatangani perjanjian kerjasama agreement on the full outsource service of
tentang pekerjaan jasa full outsource system Information Technology System for core
teknologi informasi untuk core banking banking system with PT Collega Inti Pratama
system syariah dengan PT Collega Inti with a three years contract term.
Pratama, dengan masa kontrak 3 tahun.
f. Pengikatan jual beli gedung kantor f. Sale-purchased agreement of office
building
Pada tanggal 12 November 2012, Bank telah On November 12, 2012 Bank has made sale
melakukan pengikatan jual beli unit satuan and purchase commitment of non-residential
rumah susun non hunian (kantor) dengan apartment units (offices) under agreement No.
perjanjian No.090/PJB/CLP-BJB/XI/12 dengan 090/PJB/CLP-BJB/XI/12 with PT. Comradindo
PT Comradindo Lintasnusa Perkasa melalui Lintasnusa Perkasa through strata title scheme
2 2
skema strata title seluas 13.000 m di Jakarta at a price of 13,000 m in Jakarta Rp38,000
2 2
dengan harga Rp38.000 per m dengan total per m for a total purchase price of Rp543,400
harga pembelian Rp543.400 termasuk PPN including 10% VAT. The Bank has made an
10%. Bank telah melakukan pembayaran uang advance payment of 40% or amounting to
muka sebesar 40% atau sebesar Rp217.360 Rp217,360 and recorded as other assets in the
pada tanggal 12 November 2012 yang dicatat consolidated statements of financial position on
pada akun aset lain-lain pada laporan posisi November 12, 2012 and the remaining 60%
keuangan konsolidasian dan sisanya sebesar will be paid in 12 installments starting from
60% akan dibayarkan dengan cara mencicil January to December 2013.
sebanyak 12 kali cicilan yang dimulai dari
bulan Januari sampai Desember 2013.
Selama tahun 2013, Bank membayar During 2013, Bank paid additional
tambahan cicilan sebesar Rp108.680 installments amounting to Rp108,680,
sehingga uang muka yang dibayarkan therefore the advance payment become
menjadi sebesar Rp326.040 yang dicatat Rp326,040 which was recorded as “Other
dalam akun “Aset Lain-lain” pada laporan Assets” in the consolidated statement of
posisi keuangan konsolidasian. financial position.
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604

56. PERISTIWA SETELAH TANGGAL LAPORAN 56. SUBSEQUENT EVENT

KEUANGAN
Pada tanggal 7 Februari 2014, Bank melakukan As of February 7, 2014, the Bank made payment at
pelunasan saat jatuh tempo atas Obligasi VII bank maturity of Bond VII bank bjb Series A with
bjb Seri A dengan nilai nominal sebesar nominal value amounting to Rp276,000.
Rp276.000.
Introduction
57. PERNYATAAN STANDAR AKUNTANSI 57. REVISED AND ISSUED STATEMENTS OF
KEUANGAN YANG DIKELUARKAN DAN FINANCIAL ACCOUNTING STANDARDS
DIREVISI
Berikut ini ikhtisar PSAK dan ISAK yang diterbitkan The following summarizes the amended and
oleh Dewan Standar Akuntansi Keuangan (DSAK) revoked SFAS and IFAS which were issued by the
dan Dewan Standar Akuntansi Syariah (DSAS) - Financial Accounting Standards Board (FASB)and

IAI yang relevan untuk Bank, namun belum berlaku Sharia Accounting Standards Board (DSAS) and
Performance
efektif untuk laporan keuangan 31 Desember 2013: are relevant to the Bank, but not t effective as of
December 31, 2013:
Efektif berlaku pada atau setelah tanggal Effective on or after January 1, 2014:
1 Januari 2014:
a. ISAK No. 28 ”Pengakhiran Liabilitas Keuangan a. IFAS No. 28 “Extinguishing Financial Liabilities
Good Corporate
Governance
dengan Instrumen Ekuitas”, yang mengatur, with Equity Instruments”, which regulates
ketika entitas sebagai debitur ingin when entity as debtor is willing to settle the the
menyelesaikan liabilitas keuangannya melalui liability by way of issuing equity instruments to
mekanisme penerbitan instrumen ekuitas (debt the lender (a debt to equity swap transaction).
to equity swaps).
b. PSAK No. 102 (Revisi 2013), ”Murabahah”, b. SFAS No. 102 (Revised 2013), “Murabahah”,
yang merupakan penyempurnaan dari PSAK which is the refinement of SFAS No. 102
Corporate Social
Responsibility
No. 102 yang diterbitkan pada tahun 2008, issued on 2008, regarding the murabahah
perihal kriteria transaksi murabahah transaction criteria in relation to the
sehubungan dengan pengakuan, pengukuran, recognition, measurement and presentation
penyajian dan pengungkapannya. and disclosure.
1 Januari 2015:
a. PSAK No. 1 (Revisi 2013), ”Penyajian Laporan a. SFAS No. 1 (Revised 2013), “Presentation of Consolidated
Keuangan”, yang diadopsi dari IAS 1, Financial Statement”, adopted from IAS 1,
mengatur perubahan penyajian kelompok pos- which regulates the amendments presentation
pos dalam Penghasilan Komprehensif Lain. to group items of Other Comprehensive
Pos-pos yang akan direklasifikasi ke laba rugi Income. Items which reclassified to income
disajikan terpisah dari pos-pos yang tidak akan statement are presented separately from items
direklasifikasi ke laba rugi. not reclassified to income statement.
Corporate Data
b. PSAK No. 15 (Revisi 2013), ”Investasi pada b. SFAS No. 15 (Revised 2013), “Investments in
Entitas Asosiasi dan Ventura Bersama”, yang Associates and Joint Ventures”, adopted from
diadopsi dari IAS 28, mengatur penerapan IAS 28, which set out the requirements for the
metode ekuitas pada investasi pada entitas application of the equity method for
asosiasi dan juga ventura bersama. investments in associates and joint ventures.
c. PSAK No. 24 (Revisi 2013), ”Imbalan Kerja”, c. SFAS No. 24 (Revised 2013), “Employee
yang diadopsi dari IAS 19, yang menghapus Benefits”, adopted from IAS 19, which
mekanisme koridor dan pengungkapan atas eliminates corridor approach and disclosure
informasi liabilitas kontinjensi untuk about contingent liability information to simplify
menyederhanakan klarifikasi dan clarification and disclosure.
pengungkapan.
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DIREVISI (lanjutan) (continued)
Efektif berlaku pada atau setelah tanggal Effective on or after January 1, 2015
1 Januari 2015 (lanjutan): (continued):
d. PSAK No. 65, ”Laporan Keuangan d. SFAS No. 65, “Consolidated Financial
Konsolidasi”, yang diadopsi dari IFRS 10, Statement”, adopted from IFRS 10, which
menggantikan porsi PSAK No. 4 (Revisi 2009) amend the certain part of SFAS No.4 (Revised
yang mengenai pengaturan akuntansi untuk 2009) regarding accounting regulation for
laporan keuangan konsolidasian, menetapkan consolidated financial statement, to establish
prinsip penyusunan dan penyajian laporan principles for the presentation and preparation
keuangan konsolidasian ketika entitas of consolidated financial statements when an
mengendalikan satu atau lebih entitas lain. entity controls one or more other entities.
e. PSAK No. 66, ”Pengaturan Bersama”, yang e. SFAS No. 66, “Joint Arrangements”, adopted
diadopsi dari IFRS 11, menggantikan PSAK from IFRS 11, which amend SFAS No. 12
No. 12 (Revisi 2009) dan ISAK No. 12. PSAK (Revised 2009) and IFAS No. 12. This SFAS
ini menghapus opsi metode konsolidasi has removed the proportionate consolidation
proporsional untuk mencatat bagian ventura method to account the equity method for joint
bersama. ventures.
f. PSAK No. 67, ”Pengungkapan Kepentingan f. SFAS No. 67, “Disclosure of Interests in Other
dalam Entitas Lain”, yang diadopsi dari IFRS Entities”, adopted from IFRS No. 12, including
12, mencakup semua pengungkapan yang all disclosure previously regulated in SFAS
diatur sebelumnya dalam PSAK No. 4 (Revisi No. 4 (Revised 2009), SFAS No.12 (Revised
2009), PSAK No. 12 (Revisi 2009) dan PSAK 2009) and SFAS No.15 (Revised 2009). The
No. 15 (Revisi 2009). Pengungkapan ini terkait disclosure are related to entity’s interest in
dengan kepentingan entitas dalam entitas- other entities.
entitas lain.
g. PSAK No. 68, ”Pengukuran Nilai Wajar”, yang g. SFAS No. 68, ”Fair Value Measurement”,
diadopsi dari IFRS 13, memberikan panduan adopted from IFRS 13, provides guidance on
tentang bagaimana pengukuran nilai wajar how to determine fair value and requires
ketika nilai wajar disyaratkan atau diizinkan. disclosures about fair value measurement.
Saat ini Bank sedang mengevaluasi dan belum The Bank is currently evaluating the above
menetapkan dampak dari PSAK yang direvisi, standards and has not yet determined the impact
disesuaikan dan dicabut tersebut terhadap laporan of the amended and revoked SFAS on its
keuangan konsolidasiannya. consolidated financial statements.
Penerapan Pedoman Akuntansi Perbankan Implementation of Accounting Guidelines for

Syariah Indonesia (“PAPSI”) 2013 dan Standar Indonesian Syariah Banking (“PAPSI”) 2013
Akuntansi Baru and New Accounting Pronouncement
1. Penerapan Pedoman Akuntansi Perbankan 1. Implementation of Accounting Guidelines for

Syariah Indonesia (“PAPSI”) 2013 Indonesian Syariah Banking (“PAPSI”) 2013
208
606


DIREVISI (lanjutan) (continued)
Penerapan Pedoman Akuntansi Perbankan Implementation of Accounting Guidelines for

Syariah Indonesia (“PAPSI”) 2013 dan Standar Indonesian Syariah Banking (“PAPSI”) 2013
Akuntansi Baru (lanjutan) and New Accounting Pronouncement
(continued)
Introduction
Bank Indonesia sebagai regulator perbankan di Bank Indonesia as the banking regulator in
Indonesia telah menerbitkan revisi atas Indonesia has issued the revision of Pedoman
Pedoman Akuntansi Perbankan Indonesia Akuntansi Perbankan Indonesia (PAPSI 2013)
(PAPSI 2013) dan Surat Edaran Bank and Surat Edaran Bank Indonesia
Indonesia No. 15/26/DPbS mengenai No. 15/26/DPbS “Guidance on implementation
“Pelaksanaan Pedoman Akuntansi Perbankan of PAPSI 2013” which should be effectively

Syariah Indonesia” yang berlaku efektif sejak implemented on August 1, 2013 (PAPSI 2013).
Performance
tanggal 1 Agustus 2013 (PAPSI 2013). Pada On September Asosiasi Bank Syariah
bulan September 2013, Asosiasi Bank Syariah Indonesia (ASBISINDO) as the representative
Indonesia (ASBISINDO) sebagai perwakilan from syariah banking industry has submitted a
dari industri perbankan syariah telah letter to Bank Indonesia to request
mengirimkan surat permohonan untuk postponement of implementation PAPSI 2013
menunda implementasi PAPSI 2013 sampai up to 1 January 2016. Currently the Bank is still
dengan 1 Januari 2016. Pada saat ini Bank in the process of preparing action plan
Good Corporate
sedang mempersiapkan action plan atas regarding implementation of PAPSI 2013.
Governance
penerapan PAPSI 2013 tersebut.
2. Standar Akuntansi Baru 2. New Accounting Pronouncement
1 Januari 2014:
Corporate Social
Responsibility
Pada bulan Desember 2013, Dewan Standar In December 2013, Syariah Accounting
Akuntansi Syariah-IAI telah menerbitkan PSAK Standards Boards of Indonesian Institute of
102 Revisi “Akuntansi Murabahah” yang Accountants has issued SFAS No. 102
berlaku efektif sejak 1 Januari 2014 secara Revision which will be effectively implemented
‘prospective catch up’. Perubahan terbesar on January 1, 2014 on a prospective catch-up
padaPSAK No. 102 Revisi ini adalah perlakuan basis. Major change in the SFAS No. 102
akuntansi untuk transaksi murabahah yang Revision is related to the accounting treatment
dikategorikan sebagai transaksi pembiayaan. for murabahah transaction which in substance
Consolidated
Dalam PSAK No. 102 Revisi ini diatur bahwa categorized as financing transaction. Under
seluruh transaksi murabahah yang secara SFAS No. 102 Revision, murabahah
substansi adalah pembiayaan harus mengacu transaction which in substance is a murabahah
kepada PSAK No. 55 (Revisi 2011): “Instrumen financing should follow the accounting
Keuangan: Pengakuan dan Pengukuran”; treatment of SFAS No. 55 (Revised 2011):
PSAK No. 50 (Revisi 2010): Instrumen “Financial Instruments: Recognition and
Keuangan: “Penyajian”; dan PSAK No. 60: Measurement”; SFAS No. 50 (Revised 2010):
Corporate Data
Instrumen Keuangan: “Pengungkapan” dan “Financial Instruments: Presentation” and

PSAK lain yang relevan. Dengan terbitnya SFAS No. 60: “Financial Instruments:
PSAK No. 102 Revisi maka terhitung sejak “Financial Instruments: Disclosure” and other
1 Januari 2014 Bank akan relevant SFAS. With the issuance of SFAS
mengimplementasikan Buletin Teknis No. 9: No. 102 Revision, starting January 1, 2014 the
“Penerapan Metode Anuitas Dalam Bank will implement the previously issued
Murabahah” yang telah diterbitkan sebelumnya Technical Bulletin No. 9 “Implementation of
seperti diindikasikan dalam basis kesimpulan Annuity Method in Murabahah” as indicated in
pada PSAK No. 102 Revisi. Saat ini Bank the Basis for Conclusion in SFAS No. 102
sedang mengevaluasi PSAK No. 102 Revisi Revision. Currently the Bank is evaluating this
tersebut dan belum menentukan dampak SFAS No. 102 Revision and has not yet
penerapan PSAK No. 102 Revisi tersebut determined the effects on its financial
terhadap laporan keuangan. statements.
209
607

58. PENYELESAIAN LAPORAN KEUANGAN 58. COMPLETION OF THE CONSOLIDATED

KONSOLIDASIAN FINANCIAL STATEMENTS
Manajemen Bank bertanggung jawab penuh The Management of the Bank is responsible for
terhadap penyusunan laporan keuangan the preparation of the accompanying consolidated
konsolidasian terlampir yang diselesaikan dan financial statements that were completed and
disetujui untuk diterbitkan oleh Direksi Bank pada authorized for issue by the Bank’s Directors on
tanggal 6 Maret 2014. March 6, 2014.
210
608
Performance
609
Data
Perusahaan
Corporate Data
Profil Dewan Komisaris Board of CommisionerS Profile
Warga Negara Indonesia. Saat ini berusia Indonesian citizen, age 52

52 tahun.
Lahir di Bandung tahun 1961. Menyelesaikan Born in Bandung in 1961. Holds a

Pendidikan Sarjana di Fakultas Ekonomi Bachelor degree in Economics with a
Jurusan Akuntansi Universitas Padjadjaran major in Accountancy from University of
Bandung pada tahun 1996 dan pendidikan Padjadjaran, Bandung in 1996 and Master
Pasca Sarjana Program Magister Manajemen of Management in Finance Management
Keuangan Universitas Padjadjaran Bandung from University of Padjadjaran, Bandung in
pada tahun 2003. 2003.
Menjabat sebagai Komisaris Utama bank Serves as President Commissioner of bank

bjb sejak tahun 2011. Jabatan lain yang bjb since 2011. Previous positions held:
pernah atau sedang dipegang antara lain: - President Director bank bjb (2007-
- Direktur Utama bank bjb (2007-2011); 2011);
- Direktur Dana dan Jasa bank bjb (2005- - Director of Funding and Services bank
Agus Ruswendi* 2007); bjb (2005-2007)
Komisaris Utama - Pemimpin Divisi Tresuri bank bjb - Head of Treasury Division bank bjb
President Commissioner (2005); (2005);
- Pemimpin bank bjb Cabang Khusus - Head of bank bjb Main Branch in
* Tidak Efektif menjabat sebagai Komisaris Utama
Jakarta (2003-2005); Jakarta (2003-2005);
berdasarkan Surat Bank Indonesia No. 15/10/APBU/ - Pemimpin bank bjb Cabang Serang - Head of bank bjb, Serang Branch
Bd/Rahasia tanggal 6 Februari 2013.
(2000-2003). (2000-2003).
* Since the receipt of Bank Indonesia 15/10/APBU/Bd/
Rahasia number on February 6, 2013, are no longer
effective as President Commissioner.
Warga Negara Indonesia. Saat ini berusia Indonesian citizen, age 59.
59 tahun.
Lahir di Boyolali tahun 1954. Menyelesaikan Born in Boyolali in 1954. Holds a Bachelor
pendidikan Sarjana di Fakultas Teknik degree in Geodethic Engineering from
Geodesi Institut Teknologi Bandung pada Bandung Institute of Technology in 1981
tahun 1981 dan Pendidikan Pasca Sarjana and a Master degree in Urban and Regional
di bidang Perencanaan Wilayah dan Kota Planning from Bandung Institute of
Institut Teknologi Bandung pada tahun Technology in 1990.
1990.
Menjabat sebagai Komisaris bank bjb sejak Serves as Commissioner of bank bjb since
tahun 2008. Jabatan lain yang pernah atau 2008. Other positions previously or
sedang dipegang antara lain: currently held:
- Sekretaris Daerah Provinsi Banten - Secretary of Banten Province (2008-
(2008-Sekarang); Present);
Muhadi - Plt. Sekretaris Daerah Provinsi Banten - Acting Secretary of the Province of
Komisaris (2008); Banten (2008);
Commissioner - Kepala Dinas Pengelolaan Keuangan - Head of Finance and Asset Management
dan Aset Daerah Provinsi Banten (2008); Agency Banten Province (2008);
- Kepala Dinas Pendapatan - Head of Revenues Services Office
Provinsi Banten (2006-2008); Province of Banten (2006-2008);
- Kepala Badan Koordinasi Penanaman - Head of Capital Investment
Modal Daeran Provinsi Banten Coordination Board Province of Banten
(2001-2006). (2001-2006).
610 Kriteria ARA No. IV.6.1,2,3,4,5

58 tahun.
Lahir di Solo tahun 1955. Menyelesaikan Born in Solo in 1955. Holds a Bachelor
pendidikan Sarjana di Fakultas Ekonomi degree in Economics with a major in
jurusan Akuntansi di Universitas Gadjah Accountancy from University of Gadjah
Mada tahun 1982 dan pendidikan Magister Mada in 1982 and Master degree in
Akuntansi di Universitas Indonesia tahun Accounting from the University of Indonesia
2010. in 2010.
Menjabat sebagai Komisaris Independen Serves as Independent Commissioner of
Introduction
bank bjb sejak tahun 2007. Jabatan lain bank bjb since 2007. Others positions
yang pernah atau sedang dipegang antara previously or currently held :
lain: - Lecturer of IBS-LPPI Jakarta (2010-
- Dosen IBS-LPPI Jakarta (2010- Present)
Sekarang) - Lecturer at Faculty of Economic,
- Dosen Fakultas Ekonomi Universitas University of Indonesia (2006-Present); Achmad Baraba
Indonesia (2006 - Sekarang); - Director, Senior Manajer at Ernst and

- Director, Senior Manajer di Ernst and Young (2002-2007); Independent Commissioner
Performance
Young (2002-2007); - Member of Assessment Team at
- Anggota Tim Pengkajian Asosiasi Asosiasi Emiten Indonesia (2000-
Emiten Indonesia (2000-2006); 2006);
- Anggota Tim Pewawancara Fit and - Member of Fit and Proper Test (New
Proper Test (New Entry) pada Bank Entry) interview team at Bank Indonesia
Indonesia (1999-2007); (1999-2007);
- Direktur Bank Muamalat Indonesia - Director of Bank Muamalat Indonesia
Good Corporate
(1996-1999); (1996-1999);
Governance
- Group Head Line of Business PT Bank - Group Head Line of Business PT Bank
Bukopin (1995-1997); Bukopin (1995-1997);
- Kepala Urusan Pengawasan (Internal - Head of Oversight (Internal Audit) of
Audit) PT Bank Bukopin (1993-1995); PT Bank Bukopin (1993-1995);
- Pemimpin Cabang Bukopin Banda - Branch Manager of Bukopin Banda
Aceh (1992-1993). Aceh (1992-1993).
Corporate Social
Responsibility
47 tahun.
Lahir di Sukoharjo tahun 1966. Born in Sukoharjo in 1966. Holds a Diploma

Menyelesaikan pendidikan Diploma IV di IV in Accounting from State Accounting
Sekolah Tinggi Akuntansi Negara (STAN) College (STAN) in 1994, a Bachelor degree
Consolidated
tahun 1994, meraih gelar Sarjana Hukum in Law from Krisnadwipayana University
di Universitas Krisnadwipayana tahun 2012 in 2012, and is attending a post-graduate
dan pendidikan Pasca Sarjana Magister program in Magister Management
Manajemen Bidang Studi Ekonomi on Human Resources Economics at
Sumber Daya Manusia di Universitas Krisnadwipayana University in 2012.
Krisnadwipayana tahun 2012.
Menjabat sebagai Komisaris Independen Serves as Independent Commissioner of

Corporate Data
bank bjb sejak tahun 2008. Jabatan yang bank bjb since 2008. Others positions held,
pernah atau sedang dipegang antara lain: prior or concurrently, include:
- Komisaris Independen PT Adhi Karya - Independent Commissioner of Klemi Subiyantoro
(Persero) Tbk (2006-2008); PT Adhi Karya (Persero) Tbk (2006- Komisaris Independen
- Ketua Komite Audit PT Adhi Karya 2008); Independent Commissioner
(Persero) Tbk (2006-2008); - Chairman of Audit Commitee of
- Komite Audit PT Semen Gresik PT Adhi Karya (Persero) Tbk (2006-
(Persero) Tbk (2006-2007); 2008);
- Kepala Audit Internal Mabes PMI - Audit Commitee of PT Semen Gresik
(2004-2006). (Persero) Tbk (2006-2007);
- Chairman of Internal Audit of Mabes
PMI (2004-2006).
611
Profil Dewan Komisaris Board of CommisionerS Profile
62 tahun.
Lahir di Garut tahun 1952. Menyelesaikan Born in Garut in 1952. Finished his study
pendidikan di Akademi Fakultas IPPS IKIP in IPPS Faculty, IKIP Bandung, in 1980,
Bandung tahun 1980, meraih gelar Sarjana obtained a Bachelor degree in Law from
Hukum di Universtas Islam Nusantara Universitas Islam Nusantara (UNINUS)
(UNINUS) Bandung tahun 1987, dan Bandung in 1987; and Post Graduate study
Pendidikan Pasca Sarjana di bidang in State Administration from Universitas
Administrasi Negara Universitas Garut Garut (UNIGA) in 2000.
(UNIGA) tahun 2000.
Menjabat sebagai Komisaris bank bjb sejak Serves as Commissioner of bank bjb since
tahun 2011. Jabatan lain yang pernah atau 2011. Other positions previously or
sedang dipegang antara lain: currently held:
- Komisaris Utama PT Citra Bangun - President Commissioner of PT Citra
Yayat Sutaryat Selaras (BUMD) (2010-2011); Bangun Selaras (BUMD) (2010-2011);
Komisaris Independen - Kepala Dinas Pendapatan & Pengelolaan - Head of Financial Management &
Independent Commissioner Keuangan Daerah Kabupaten Bandung Revenues Agency, Bandung Regency
(2007-2010); (2007-2010);
- Kepala Badan Administrasi Keuangan - Head of Municipal Finance
Daerah Kabupaten Bandung Administration, Bandung Regency
(2001-2007). (2001-2007).

58 tahun.
Lahir di Jakarta tahun 1955. Menyelesaikan Born in Jakarta in 1955. Obtained a Bachelor
Pendidikan Sarjana di Fakultas Ekonomi degree in Economics with Accountancy
Jurusan Akuntansi Universitas Trisakti major from Trisakti University Jakarta and
Jakarta dan Pendidikan Pasca Sarjana Post Graduate study in Management of
pada bidang Manajemen Jurusan Bisnis International Business from Georgia State
Internasional dari Georgia State University, University, Atlanta, United States, in 1990.
Atlanta, Amerika Serikat pada tahun 1990.
Menjabat sebagai Komisaris bank bjb sejak Served as Commissioner of bank bjb since
tahun 2012. Jabatan lain yang pernah di 2012. Other positions held, prior and
pegang antara lain: concurrently, include:
- Direktur Utama PT Pesona Prima Utama - President Director of PT Pesona Prima
(Oktober 2011-sekarang) Utama (October 2011-present)
Rudhyanto Mooduto - Direktur Utama PT Asian Hybrid Seed - President Director of PT Asian Hybrid
Komisaris Independen Technologies Indonesia (Januari- Seed Technologies Indonesia (January
Independent Commissioner Desember 2010) -December 2010)
- Penasehat Senior Bank Negara Indonesia - Senior Advisor at Bank Negara Indonesia
(Agustus 2010-Desember 2010) (August 2010-December 2010)
- Pemimpin Divisi Jaringan dan Layanan - Head of Network and Services Division
Bank Negara Indonesia (Mei 2009-Juli at Bank Negara Indonesia (May 2009 -
2010). July 2010)
612
Profil Direksi Board of Directors’ Profile
55 tahun.
Lahir di Blitar tahun 1958. Menyelesaikan Born in Blitar in 1958. Holds an BA (Master
pendidikan MBA (Master of Business of Business Administration) in Corporate &
Administration) di bidang Corporate & International Finance from the Universityof
International Finance dari Universitas Of Oregon, USA in 1992.
Oregon, Amerika Serikat pada tahun 1992.
Menjabat sebagai Direktur Utama bank bjb Serves as President Director of bank bjb
sejak tahun 2011. Jabatan lain yang pernah since 2011. Other positions previously
Introduction
dipegang antara lain: held:
- Direktur Tresuri & International - Director of Treasury & International
PT Bank BNI,Tbk. (2008-2010); PT Bank BNI, Tbk. (2008-2010);
- Direktur UKM & Syariah PT Bank BNI, - Director of SME & Sharia PT Bank BNI,
Tbk (2005-2006); Tbk. (2005-2006);
- Direktur Manajemen Risiko PT Bank - Director of Risk Management PT Bank Bien Subiantoro
BNI, Tbk.(2003-2005); BNI, Tbk.(2003-2005);

Direktur Utama
- Executive Vice President Corporate - Executive Vice President Corporate President Director
Performance
Banking, PT Bank Mandiri, Tbk. (2001- Banking, PT Bank Mandiri, Tbk. (2001-
2002). 2002).
Good Corporate
Governance
Corporate Social
Responsibility
54 tahun.
Lahir di Jakarta tahun 1959. Menyelesaikan Born in Jakarta in 1959. Master’s Degree in
pendidikan Pasca Sarjana di bidang Notaris Law from Padjadjaran University, Bandung
dari Universitas Padjadjaran, Bandung in 1994.
Consolidated
tahun 1994.
Menjabat sebagai Direktur bank bjb sejak Serves as Director of bank bjb since 2011.
tahun 2011. Jabatan lain yang pernah Other positions previously held:
dipegang antara lain: - Head of Micro Division bank bjb (2010-
- Pemimpin Divisi Mikro bank bjb (2010- 2011);
2011); - Head of Legal & Compliance Division
- Pemimpin Divisi Kepatuhan dan Hukum bank bjb (2009-2010);
Corporate Data
bank bjb (2009-2010); - Head of Funding & Services Division

- Pemimpin Divisi Dana & Jasa bank bjb bank bjb (2007-2009);
(2007-2009); - Head of Information Technology Arie Yulianto
- Pemimpin Divisi Teknologi Informasi Divisionbank bjb (2005-2007). Direktur Konsumer
bank bjb (2005-2007). Managing Director – Consumer
Kriteria ARA No. IV.7.1,2,3,4,5 613

Profil Direksi Board of Directors’ Profile

52 tahun.
Lahir di Sukabumi tahun 196. Menyelesaikan Born in Sukabumi in 1961. Master’s

pendidikan Pasca Sarjana di bidang Degree in Financial Management from
Manajemen Keuangan dari Universitas Padjadjaran University, Bandung in 2004.
Padjadjaran pada tahun 2004.
dipegang antara lain: - Head of the General Administration
- Pemimpin Divisi Umum bank bjb Division bank bjb (2006-2007);
(2006-2007); - Head of bank bjb Main Branch Jakarta
- Pemimpin bank bjb Cabang Khusus (2005-2006);
Jakarta (2005-2006); - Head of bank bjb Serang Branch (2003-
- Pemimpin bank bjb Cabang Serang 2005);
Entis Kushendar* (2003-2005); - Head of Bank bjb Soreang Branch
Direktur Tresuri & Internasional
Managing Director – Treasury &
- Pemimpin bank bjb Cabang Soreang (2000-2003).
International (2000-2003).
* Tidak Efektif menjabat sebagai Direktur Perseroan

berdasarkan Surat Bank Indonesia No. 15/10/APBU/

effective as Director.
44 tahun.
Lahir di Garut tahun 1969. Menyelesaikan Born in Garut in 1969. Holds a PhD in
pendidikan Doktor di bidang Ekonomi dari Economics from Padjadjaran University,
Universitas Padjadjaran, Bandung pada Bandung in 2006.
tahun 2006.
dipegang antara lain: - Head of Strategic Planning Division
- Pemimpin Divisi Perencanaan Strategis bank bjb (2010-2011);
bank bjb (2010-2011); - Head of Management Office Program
- Ketua Program Management Office (2009-2010);
(2009-2010); - Head of bank bjb, Cianjur Branch
- Pemimpin bank bjb Cabang Cianjur (Januari 2009-Desember 2009);
Zaenal Aripin - Head of bank bjb, Pelabuhan Ratu
Direktur Kepatuhan dan Manajemen Risiko (Januari 2009-Desember 2009);
Managing Director – Compliance and - Pemimpin bank bjb Cabang Pelabuhan Branch (2008-2009).
Risk Management Ratu (2008-2009).
614
48 tahun.
Lahir di Sumedang tahun 1965. Menjabat Born in Sumedang, 1965. Served as

sebagai Direktur bank bjb pada tanggal Director of bank bjb in September 27,
27 September 2012. Menyelesaikan 2012. Obtained Doctorate in Management
pendidikan S-3 di bidang Manajemen dan and Business from Padjadjaran University,
Bisnis Universitas Padjadjaran, Bandung Bandung in 2010.
pada tahun 2010.
Jabatan lain yang pernah di pegang antara Another positions that ever held:
Introduction
lain:
- Pemimpin Divisi Audit Internal bank - Head of Internal Audit Division at bank
bjb (Oktober 2011- September 2012) bjb (October 2011- September 2012)
- Pemimpin Divisi Manajemen Risiko - Head of Risk Management Division at
bank bjb (September 2010-Oktober bank bjb (September 2010 – October
2011) 2011) Acu Kusnandar*
- Pemimpin Divisi Perencanaan dan - Head of Planning and Development

Direktur Komersial
Pengembangan bank bjb (November Division at bank bjb (November 2009 Managing Director – Commercial
Performance
2009- September 2010) -September 2010)
- Pemimpin Divisi Kredit Retail dan - Head of Retail and Consumer Credit
* Tidak Efektif menjabat sebagai Direktur Perseroan
Konsumer bank bjb (Januari 2009 - at bank bjb (January 2009-November berdasarkan Surat Bank Indonesia No. 15/13/GBI/
November 2009) 2009) DPIP/Rahasia tanggal 3 Juni 2013.
* Since the receipt of the number 15/13/GBI/DPIP/

Rahasia Bank Indonesia on June 3, 2013, are no
longer effective as Director.
Good Corporate
Governance
Corporate Social
Responsibility
50 tahun.
Lahir di Karawang tahun 1963. Menjabat Born in Karawang, 1963. Served as

sebagai Direktur bank bjb pada tanggal Director of bank bjb in September 27,
27 September 2012. Menyelesaikan 2012. Obtained Doctorate from Universitas
Consolidated
pendidikan S-3 di Universitas Pendidikan Pendidikan Indonesia, Bandung in 2011.
Indonesia, Bandung pada tahun 2011.
Jabatan lain yang pernah di pegang antara Another positions that ever held:
lain:
- Pemimpin Divisi Korporasi dan - Head of Corporate and Commercial
Komersial bank bjb ( Juli 2012) Division bank bjb ( Juli 2012)
- Pemimpin Divisi Mikro bank bjb - Head of Micro Division bank bjb
Corporate Data
(November 2011) (November 2011)

- Manager Operasional Cabang Utama/ - Operational Manager Main Branch
Khusus Jakarta (April 2011) Jakarta (April 2011) Djamal Muslim**
- Ketua YKP bank bjb (Maret 2011). - YKP Chief bank bjb (Maret 2011). Direktur Operasi
** Menunggu Fit & Proper Test Bank Indonesia
** Waiting Fit & Proper Test Bank Indonesia.
615
Profil Pemimpin Divisi bank Bjb Division Head bank bjb Profile
ADANG A. KUNANDAR
Tempat/Tahun Lahir Bandung/Tahun 1964 Bandung/Year 1964

Place/Year of Birth
Umur/Age 49 Tahun 49 Year
Jabatan Pemimpin Divisi Operasional, sejak Juni 2013 Head of Operation Division, since June 2013
Position
Awal Karir di bank bjb 01 April 1989 April 1, 1989

Early Career in the bank bjb
Pendidikan/Tahun S2 Manajemen Keuangan Universitas Padjadjaran S2 Finance University of Padjadjaran Bandung, 2009
Education/Year Bandung, 2009
Pelatihan selama 2013 Two Days Conference bank bjb Consumer Banking Two Days Conference bank bjb Consumer Banking
Training during 2013
AGUS JAJAT MASOEM
Tempat/Tahun Lahir Klaten/Tahun 1963 Klaten/Year 1963

Place/Year of Birth
Jabatan Pemimpin Divisi Manajemen Risiko, sejak Juli 2012 Head of Risk Management Division, since July 2012
Position
Awal Karir di bank bjb 1 September 1988 September 1, 1988

Pendidikan/Tahun S1 STIE Dharma Agung Bandung/2011 S1 STIE Dharma Agung Bandung/2011

Education/Year
AGUS RISWANTO

Place/Year of Birth
Umur/Age 52 Tahun 52 Years
Jabatan Pemimpin Divisi Pengendali Keuangan, sejak September Head of Financial Control Division, since September 2010
Position 2010
Awal Karir di bank bjb 01 Juli 1981 July 1, 1981

Pendidikan/Tahun S1 Ekonomi Universitas Islam Nusantara (UNINUS), 1989 S1 Economy University of Islam Nusantara (UNINUS), 1989
Education/Year
Pelatihan selama 2013 Workshop Corporate Valuation Workshop Corporate Valuation

ALI FAJAR SALEH

Place/Year of Birth
Jabatan Pemimpin Divisi Kepatuhan, Januari 2012 Head of Compliance Division, January 2012
Position
Awal Karir di bank bjb 1 Juni 1995 June 1, 1995

Pendidikan/Tahun S2 Universitas Padjadjaran Bandung, 2007 S2 University of Padjadjaran, Bandung, 2007

Education/Year
Pelatihan selama 2013 Benchmarking Benchmarking

616
WAWAN INDRAWAN
Tempat/Tahun Lahir Rangkasbitung/Tahun 1965 Rangkasbitung /Year 1965

Place/Year of Birth
Umur/Age 48 Tahun 48 Years
Jabatan Pemimpin Divisi Jaringan dan Layanan, sejak Juni 2013 Head of Network and Services Division, since June 2013
Position
Awal Karir di bank bjb 1 Januari 1991 January 1, 1991

Pendidikan/Tahun S2 Manajemen Keuangan Universitas Mercu Buana, S2 Finance University of Mercua Buana,
Education/Year 2006 2006
Introduction
ANDRE RASJIDIN PAMUNTJAK
Performance
Place/Year of Birth
Jabatan Pemimpin Unit Electronic Banking, sejak Juli 2012 Head of Electronic Banking Unit, since July 2012
Position

Good Corporate
Pendidikan/Tahun S1 Ekonomi Universitas Padjadjaran Bandung, S1 Economy University of Padjadjaran, Bandung, 1995
Governance
Education/Year 1995
Pelatihan selama 2013 Seminar Strategi E-Banking Untuk Meningkatkan Seminar on E-Banking Strategy to Enhance Banking
Training during 2013 Profitabilitas Perbankan Profitability
Corporate Social
AGUS SUPRIYATNA
Responsibility
Tempat/Tahun Lahir Bandung /Tahun 1967 Bandung/Year 1967
Place/Year of Birth
Jabatan Ketua Umum YKP bank Jabar Banten, sejak November Chairman of YKP Bank Jabar Banten, since
Position 2012, November 2012
Awal Karir di bank bjb 1 September 1991 September 1, 1991
Consolidated
Pendidikan/Tahun S1 STIE YPKP Bandung S1 STIE YPKP Bandung
Education/Year
Pelatihan selama 2013 Benchmarking Benchmarking

Corporate Data
CECEP TRISNA
Tempat/Tahun Lahir Sumedang/Tahun 1967 Sumedang/Year 1967

Place/Year of Birth
Jabatan Pemimpin Divisi Change Managment Office, sejak Mei Head of Change Management Office Division, since
Position 2013 May 2013

Pendidikan/Tahun S1 Ekonomi Universitas Padjadjaran Bandung, S1 Economy University of Padjadjaran, Bandung,

Pelatihan selama 2013 Fraud Detection Mind mapping and Data Base Fraud Detection Mind mapping and Data Base
Training during 2013 Management Management
617
Profil Pemimpin Divisi bank bjb Head Division bank bjb Profile
DADANG ISKANDAR
Tempat/Tahun Lahir Bekasi /Tahun 1963 Bekasi/Year 1963

Place/Year of Birth
Jabatan Pemimpin Divisi Umum, Head General Administration Division,

Position sejak November 2013 Since November 2013
Awal Karir di bank bjb 1 Oktober 1984 October 1, 1984

Pendidikan/Tahun S1 Universitas Singaperbangsa - Karawang, 2002 S1 University of Singaperbangsa - Karawang, 2002

Education/Year
Pelatihan selama 2013 Workshop Jasa Arranger dan Keagenan Sindikasi Arranger and Syndication Agency Services Workshop
JOHANES PARULIAN
TAMBA
Tempat/Tahun Lahir Subang/Tahun 1969 Subang/Year 1969

Place/Year of Birth
Jabatan PYMT Pemimpin Divisi Teknologi Informasi, PYMT Head Of Information & Technology Division
Position

Pendidikan/Tahun S2 Institut Teknologi Bandung (ITB), Bandung 2003 S2 Institut Teknologi (ITB), Bandung 2003
Education/Year
Pelatihan selama 2013 Seminar Strategi E-Banking Untuk Meningkatkan Seminar on E-Banking Strategy to Enhance Banking
Training during 2013 Profitabilitas Perbankan Profitability
JAJA JARKASIH
Tempat/Tahun Lahir Kuningan/Tahun 1964 Kuningan/Year 1964

Place/Year of Birth
Jabatan Pemimpin Yayasan Kesejahteraan Pegawai bank bjb, sejak Head of Yayasan Kesejahteraan Pegawai bank bjb, since
Position Mei 2013 May 2013

Pendidikan/Tahun S2 Ekonomi Universitas Padjadjaran Bandung/2004 S2 Economy University of Padjadjaran, Bandung/2004

Education/Year
Pelatihan selama 2013 Pelatihan Mastering Business Through Balanced Scorecard Mastering Business Through Balanced Scorecard & Key
Training during 2013 & Key Performance Indicators Performance Indicators Training
NIA KANIA

Place/Year of Birth
Jabatan Direktur Utama Dana Pensiun, sejak Juni 2013 President Director of Dana Pensiun, since June 2013
Position

Pendidikan/Tahun S1 Ekonomi Universitas Padjadjaran Bandung,1990 S1 Economy University of Padjadjaran, Bandung,1990

Education/Year
Pelatihan selama 2013 Pelatihan Penggunaan Aplikasi Penyampaian Laporan Submission of Application Usage Financial Transaction
Training during 2013 Transaksi Keuangan Transfer Dana Dari dan Ke Luar Negeri Reports and Transfer Funds From Abroad Training
618
RAHMAT
Tempat/Tahun Lahir Garut/Tahun 1961 Garut/Year 1961

Place/Year of Birth
Jabatan
Position Pemimpin Divisi Pendidikan dan Pelatihan, sejak Juli Head of Education and Training Division, since J
2012 uly 2012
Awal Karir di bank bjb 1 Maret 1981 March 1, 1981

Pendidikan/Tahun S2 Hukum Universitas Padjadjaran Bandung/2004 S2 Law University of Padjadjaran, Bandung/2004

Education/Year
Introduction
Pelatihan selama 2013 ASEAN Global Leadership Programme 2013 ASEAN Global Leadership Programme 2013
RUDY DHIAN DWIMAYA
Tempat/Tahun Lahir Pandeglang/Tahun 1963 Bandung/Year 1971
Performance
Place/Year of Birth
Jabatan Pemimpin Divisi Perencanaan Strategis, sejak Juli 2012 Head of Strategic Plannning Divisiion, July 2012
Position
Awal Karir di bank bjb 1 April 1987 January 2, 2012

Good Corporate
Pendidikan/Tahun S1 STIE Pasundan Bandung, S1 Economy University of Padjadjaran, Bandung, 1995
Governance
Education/Year 1997
Pelatihan selama 2013 ASEAN Global Leadership Programme 2013 ASEAN Global Leadership Programme 2013
Corporate Social
TEDI SETIAWAN
Responsibility
Tempat/Tahun Lahir Bandung /Tahun 1968 Bandung/Year 1968
Place/Year of Birth
Jabatan Pemimpin Divisi Dana dan Jasa Konsumer, sejak Head of Fund and Consumer Division, since
Position November 2012 November 2012
Awal Karir di bank bjb 1 Desember 1995 December 1, 1995
Consolidated
Pendidikan/Tahun S1 Universitas Parahyangan Bandung, 1991 S1 University of Parahyangan Bandung, 1991
Education/Year
Pelatihan selama 2013 Europe CWM Program 2013 Europe CWM Program 2013
Corporate Data
TOTO SUSANTO
Tempat/Tahun Lahir Kuningan/Tahun 1966 Kuningan/Year 1966

Place/Year of Birth
Jabatan Pemimpin Divisi Audit Internal, sejak November 2012 Head of Internal Audit, since November 2012
Position

Pendidikan/Tahun S1 Universitas Padjadjaran Bandung, 1990 S1 University of Padjadjaran Bandung, 1990

Education/Year
Pelatihan selama 2013 Konferensi Nasional V Ikatan Auditor Intern Bank 2013 National Conference V of Bank Internal Auditor
Training during 2013 Association 2013
619
SRI ASRI WULANDARI
Tempat/Tahun Lahir Manado/Tahun 1970 Manado/Year 1970

Place/Year of Birth
Jabatan Pemimpin Divisi Institutional Banking, sejak Oktober Head Of Institutional Division, since October 2011
Position 2011

Pendidikan/Tahun S2 Manajemen Pemasaran Universitas Hassanudin S2 Marketing Management University of Hassanudin,

Education/Year Makassar, 2003 Makasar, 2003
Pelatihan selama 2013 Bara LSPP Executive International Conference Seoul Bara LSPP Executive International Conference Seoul
Training during 2013 South Korea South Korea
MOCH BARKAH SETYADI
Tempat/Tahun Lahir Jakarta/Tahun 1975 Jakarta/Year 1975

Place/Year of Birth
Jabatan Pemimpin Unit Card Center, sejak Juni 2012 Head of Card Center Unit, since June 2012
Position
Awal Karir di bank bjb 19 Agustus 2009 August 19, 2009

Pendidikan/Tahun S2 Universitas Persada Indonesia, 2002 S2 Universitas Persada Indonesia, 2002

Education/Year
Pelatihan selama 2013 Change Management on Becaming an Effective Change Change Management on Becaming an Effective Change
Training during 2013 Leader Leader
BENY RISWANDI

Place/Year of Birth
Jabatan Pemimpin Divisi Mikro, sejak Mei 2013 Head of Micro Division, since May 2013
Position
Awal Karir di bank bjb 1 Agustus 1992 August 1, 1992

Pendidikan/Tahun S2 Universitas Padjadjaran Bandung, S2 University of Padjadjaran, Bandung,

SOFI SURYASNIA

Place/Year of Birth
Jabatan Pemimpin Divisi Corporate Secretary, sejak November Head Of Corporate Secretary Division, since November
Position 2012 2012
Awal Karir di bank bjb 1 Juli 1989 Juy 1, 1989

Pendidikan/Tahun S2 Universitas Padjadjaran Bandung S2 University of Padjadjaran Bandung

Education/Year
Pelatihan selama 2013 Pelatihan “Corporate Valuation” “Corporate Valuation”Training

620
HINDUN Herdiyani

Place/Year of Birth
Jabatan PYMT Pemimpin Divisi Internasiona Head Of International Division

Position

Pendidikan/Tahun S2 Universitas Padjadjaran (UNPAD) Bandung, 2011 S1 University of Padjadjaran (UNPAD) Bandung, 2011
Education/Year
Introduction
Pelatihan selama 2013 Pelatihan Global Trade Financing Global Trade Financing Training
FERMIYANTI
Tempat/Tahun Lahir Jakarta/Tahun 1963 Jakarta/Year 1963
Performance
Place/Year of Birth
Jabatan Pemimpin Divisi KPR & Mortgage, sejak Juni 2012 Head of Mortgage Division, since June 2012
Position
Awal Karir di bank bjb 22 Maret 2011 March 22, 2011

Good Corporate
Governance
Pendidikan/Tahun S1 Institut Pertanian Bogor, 1988 S1 Institute of Agriculture Bogor/1988
Education/Year
Pelatihan selama 2013 Workshop on Securityzation & Mortgage Bond Workshop on Securityzation & Mortgage Bond
Corporate Social
NENENG HAYATI
Responsibility
Tempat/Tahun Lahir Sumedang/Tahun 1964 Sumedang/Year 1964
Place/Year of Birth
Jabatan Pemimpin Divisi Sumber Daya Manusia, sejak September Head Of Human Resources Division,
Position 2012 since September 2012
Consolidated
Pendidikan/Tahun S1 STIE INABA Bandung S1 STIE INABA Bandung
Education/Year
Pelatihan selama 2013 Third Party Compliance Course Third Party Compliance Course
Corporate Data
SUARTINI

Place/Year of Birth
Jabatan Pemimpin Divisi Kredit Konsumer, sejak September 2012 Head Of Credit Consumer Division,
Position since September 2012

Pendidikan/Tahun S1 Universitas Padjadjaran, Bandung/Statistika S1University of Padjadjaran, Bandung/Statistic, 1993

Education/Year 1993
Pelatihan selama 2013 Workshop On Securityzation & Mortgage Bond Workshop On Securityzation & Mortgage Bond
621
FABIANUS SUDJATMOKO
Tempat/Tahun Lahir Muntilan/Tahun 1957 Muntilan/Year 1957

Place/Year of Birth
Jabatan Pemimpin Divisi Treasury, sejak November 2012 Head Of Treasury Division,
Position since November 2012
Awal Karir di bank bjb 2 Nopember 2012 November 2, 2012

Pendidikan/Tahun S2, MBA Finance & Banking Dowling College, New S2, MBA Finance & Banking Dowling College, New
Education/Year York, USA York, USA
RUBYANA RAMDHAN

Place/Year of Birth
Jabatan Pemimpin Divisi Penyelamatan & Penyelesaian Kredit, sejak Head of Loans Collection and Recovery Division, since
Position Juli 2012 July 2012
Awal Karir di bank bjb 1 Juni 1982 June 1, 1982

Pendidikan/Tahun S1 Universitas Padjadjaran Bandung / 1985 S1 University of Padjadjaran Bandung/ 1985

Education/Year
Pelatihan selama 2013 Effective Business Plan Effective Business Plan

HARTA PURNAMA
Tempat/Tahun Lahir Bogor/Tahun 1961 Bogor/Year 1961

Place/Year of Birth
Jabatan Pemimpin Divisi Manajemen Anak Head Of Subsidiaries Management Division Division, since
Position Perusahaan, sejak November 2012 November 2012

Pendidikan/Tahun S1 Universitas Ibnu Khaldun, Bogor S1 Universitas Ibnu Khaldun, Bogor

Education/Year
Pelatihan selama 2013 Change Management On Becaming An Effective Change Change Management On Becaming An Effective Change
Training during 2013 Leader Leader
HENDI ROCHENDI

Place/Year of Birth
Jabatan Pemimpin Divisi Credit Risk Reviewer, Head of Credit Risk Riviewer Division, since October 2012
Position sejak Oktober 2012

Pendidikan/Tahun S1 Universitas Islam Nusantara Bandung , 2002 S1 Universitas Islam Nusantara Bandung , 2002
Education/Year
622
AHMAD IRFAN
Tempat/Tahun Lahir Palembang/Tahun 1963 Palembang/Year 1963

Place/Year of Birth
Jabatan Pemimpin Divisi Korporasi & Komersial, Head of Corporation & Commercial Division, since
Position sejak Maret 2013 March 2013
Awal Karir di bank bjb 11 Februari 2013 Februari 11, 2013

Education/Year
Introduction
Pelatihan selama 2013 Pelatihan Strategi Bisnis Kunci Peningkatan Kinerja Key Business Strategy to Improve Corporate
Training during 2013 dan Daya Saing Korporasi Performance and Competitiveness Training
YUSUF SAADUDIN
Performance
Place/Year of Birth
Jabatan Pemimpin Divisi Hukum, sejak September 2013 Head of Law Division, since September 2013
Position

Good Corporate
Governance
Education/Year
Pelatihan selama 2013 Wisuda Program Sespibank Sespibank Program Graduation

Corporate Social
Responsibility
Consolidated
Corporate Data
623
Struktur Organisasi Organization Structure
Rapat Umum
Pemegang Saham (RUPS)
General Meeting
of Shareholders (GMS)
Direktur Utama
President Director
Bien Subiantoro
Direktur KOMERSIAL Direktur KONSUMER Direktur TRESURI &

Commercial Consumer INTERNATIONAL
Managing Director Managing Director Treasury & International
Managing Director
Acu kusnandar** Arie Yulianto
Entis kushendar**
Divisi Korporasi Divisi Kredit Konsumer

& Komersial Divisi Tresuri
Division of
Division of Corporate & Division of Treasury
Consumer Loans
Commercial Banking
Pemimpin Divisi
Pemimpin Divisi Pemimpin Divisi
Head Division
Head Division Head Division
Ahmad Irfan Suartini Fabianus Sudjatmoko
Divisi Internasional
Divisi Mikro Divisi KPR & Mortgage
Division of International
Division of Micro Banking Division of KPR & Mortgage

Pemimpin Divisi
Head Division
Beny Riswandi Fermiyanti Hindun Herdiyani (PYMT)
Divisi Dana & Jasa Divisi Manajemen

Divisi Credit Risk Reviewer
Konsumer Anak Perusahaan
Division of Credit
Division of Fund & Consumer Division of Subsidiaries
Risk Reviewer
Service Companies Management
Pemimpin Divisi
Head Division
Hendi Rochendi Tedi Setiawan Harta Purnama
Divisi Penyelamatan &

Penyelesaian Kredit Unit Card Center
Division of Saving & Credit Card Center Unit
Settlement
Pemimpin Unit
Pemimpin Divisi Head Division
Head Division
Rubyana Ramdhan Moch. Barkah Setyadi
Divisi Institusional Banking Unit Electronic Banking

Division of Institutional Electronic Banking Unit
Banking
Pemimpin Divisi Pemimpin Unit

Sri Asri Wulandari Andre Rasyidin Pamuntjak
* Tidak Efektif menjabat sebagai Komisaris Utama

berdasarkan Surat Bank Indonesia No. 15/10/APBU/
** Tidak Efektif menjabat sebagai Direktur Perseroan
berdasarkan Surat Bank Indonesia No. 15/13/GBI/
DPIP/Rahasia tanggal 3 Juni 2013.
*** Menunggu Fit & Proper Test Bank Indonesia

effective as Director Perrseroan.
** Since the receipt of the number 15/13/GBI/DPIP/
Rahasia Bank Indonesia on June 3, 2013, are no
longer effective as Director Perrseroan.
*** Waiting Fit & Proper Test Bank Indonesia.

Agus Ruswendi*
Achmad Baraba
DEWAN KOMISARIS Muhadi
Board of Commissioners Klemi Subiyantoro
Rudhyanto Mooduto
Yayat Sutaryat
Komite Eksekutif
Introduction
& Risk Capital
Executive & Capital Committee
KOMITE AUDIT
Audit Committee
Direktur KEPATUHAN &
Direktur Operasi
MANAJEMEN RISIKO KOMITE REMUNERASI
Operations
Compliance & Risk Management & NOMINASI
Managing Director
Managing Director Remuneration & Nomination
Djamal Muslim*** Committee
Zaenal Aripin
Performance
KOMITE PEMANTAU RISIKO
Risk Monitoring Committee
Divisi Teknologi Informasi

Division of Information Divisi Internal Audit Divisi Internal Audit
Technology Division of Internal Audit Division of Internal Audit
Pemimpin Divisi Pemimpin Divisi Pemimpin Divisi

Head Division Head Division Head Division
Johanes Parulian Tamba
Good Corporate
(PYMT) Ali Fajar Saleh Toto Susanto
Governance
Divisi Operasional Divisi Sumber Daya
Divisi Manajemen Risiko
Division of Operational Manusia
Division of Risk Management
Division of Human Capital
Pemimpin Divisi
Pemimpin Divisi
Head Division Pemimpin Divisi
Head Division
Head Division
Adang A. Kunandar Agus Jajat Masoem Neneng Hayati
Divisi Umum Divisi Perencanaan Divisi Sekretaris

Division of General Strategis Perusahaan
Corporate Social
Responsibility
Administration Division of Strategic Planning Division of Corporate Secretary
Pemimpin Divisi Pemimpin Divisi Pemimpin Divisi

Head Division Head Division Head Division
Dadang Iskandar Rudy Dhian Dwimaya Sofi Suryasnia
Divisi Change
Divisi Jaringan & Layanan
Management Office
Division of Network
Division of Change
& Services
Management Office
Pemimpin Divisi
Pemimpin Divisi
Head Division
Consolidated
Head Division
Wawan Indrawan Cecep Trisna
Divisi Pendidikan &

Divisi Hukum
Pelatihan
Division of Legal
Division of Education
& Training
Pemimpin Divisi
Head Division
Pemimpin Divisi
Head Division
Yusuf Saadudin Rahmat
Corporate Data
Divisi Pengendalian
Keuangan
Division of Financial Control
Pemimpin Divisi
Head Division
Agus Riswanto
Unit Administrasi Kredit

& Bisnis Legal
Division of Financial Control
& Legal Business
Pemimpin Divisi
Head Division
Siswachyudi
Kantor Wilayah
Region Office
Kantor Cabang
Branch Office 625
Jaringan Kantor Offices Network
CABANG UTAMA BANDUNG ASIA AFRIKA SAMSAT ITC KEBON KELAPA KANTOR KAS
Main Branch Office BANDUNG Jl. Asia Afrika No. 117 Gedung ITC Kebon Kalapa Lt. 3 Cash Office
Jl. Braga No.12 Kota Bandung Jl. Moh. Toha No 16 A
BANDUNG - 40111 Telp : (022) 4235073 Kota Bandung RSU Cibabat Cimahi
Telp : 022-4236553 (15 saluran) Fax : (022) 4235073 Jl. Jend. H. Amir Machmud No.140
Fax : 022-4206944, 4238344, Kode K. Kas : 0342 SAMSAT BANDUNG BARAT Kota Cimahi - 40513
4231430, 4207017, 4222612, Jl. Pajajaran No. 88 Telp : 022-6644136
4230919 SUDIRMAN Kota Bandung Fax : 022-6644136
Jl.Sudirman No.78 Kota Bandung Telp : 022-6021802, 6021879
KANTOR CABANG PEMBANTU Tlp. 022-4231380 Fax : 022-6021802, 6021879 PEMKOT CIMAHI
SUB Branch Office Fax.022-4232754 Komplek Pemkot Cimahi
SAMSAT BANDUNG TENGAH Jl. R. Demang Hardjakusumah
SUMBER SARI LEUWIPANJANG Jl. Kawaluyaan Raya Kota Cimahi
Depan Ruko Sumbersari Jl.Leuwipanjang No.81 Kota Bandung Kota Bandung Telp : 022-6632913
Jl. Soekarno Hatta No. 101 B Tlp.022-5233801 Fax : 022-6632917
Kota Bandung Fax.022-5233802 BPPT PROVINSI JAWA BARAT
Telp : 022-6121221 Kantor Badan Pelayanan Perijinan Terpadu CIMAHI MALL
Fax : 022-6121132 KEBON KELAPA Provinsi Jawa Barat Jl. Gandawijaya No. 1, 3 unit di GF
Jl. Pungkur no.141 kota bandung Jl. PHH. Mustofa No. 22 10,11,12 Kota Cimahi
OTISTA Telp. 022-4235694 Kota Bandung
Jl. Otto Iskandardinata No. 315 Fax.022-4203496 SAMSAT CIMAHI
Kota Bandung KANTOR CABANG Jl. Raya Cibabat No.331/A Cimahi
Telp : 022-4200114 KANTOR KAS Branch Office
Fax : 022-4202588 Cash Office KK Waroeng bjb Leuwi Gajah
CABANG CIMAHI Jl.Martanegara No.176 RT/RW 04/06 Kel.
JAMIKA GEDUNG SATE Jl. Jend. H. Amir Machmud No. 451 Utama
Jl. Jamika No. 21 A Halaman Belakang Gedung Sate, Kota Cimahi - 40524 Kec.Cimahi Selatan kota Cimahi 40533
Kota Bandung Jl. Diponegoro No.22 Telp : 022-6658553, 6652805,
Telp : 022-6022399 Kota Bandung 6632982 TITIK PEMBAYARAN
Fax : 022-6022383 Telp : 022-4216702 Fax : 022-6652132 Payment Point
Fax : 022-4216702
MOHAMAD TOHA KANTOR CABANG PEMBANTU KPP PRATAMA CIMAHI
Jl. Mohamad Toha No. 131 SAMSAT BANDUNG TIMUR SUB Branch Office Jl. Raya Barat No. 574
Kel. Cigereleng, Kec. Regol, Jl. Soekarno Hatta No. 528 Kota Cimahi
Kota Bandung Kota Bandung CIJERAH Telp : 022-6640347
Telp : 022-5208420 Telp : 022-7505024 Jl. Cijerah No. 216 A Fax : 022-6654569
Fax : 022-5207125 Fax : 022-7505024 Cijerah, Kota Cimahi
Telp : 022-6124381 SAMSAT WILAYAH KOTA CIMAHI
GEDUNG SATE MARGAHAYU Fax : 022- 6124380
Jl. Cilamaya No. 5 Jl.Venus Raya No.16 Bandung PEMKOT CIMAHI
Kota Bandung Kota Bandung CIMINDI Jl.Rd.Demang Hardjakusumah Kota Cimahi
Telp : 022-4200980 Jl. Mahar Martanegara 22 C
Fax : 022-84469366 Teuku Umar (Mitra Prioritas) Kel. Cigugur Tengah, Kec. Cimahi Tengah KANTOR CABANG
Kota Cimahi 40522 Branch Office
KCP CIBADUYUT KEPATIHAN Telp : 022-6647276, 6635005,
Jl. Terusan Cibaduyut No. 33 C Ruko Jl.Kepatihan No.9 Kota Bandung 6635003 CABANG SOREANG
Kabupaten Bandung Tlp.022-4235539 Fax : 022-6634999 Jl. Raya Soreang Km 17
Telp : 022-5419051 Fax.022-4203496 Depan Kantor Pemda Kab. Bandung
Fax : 022-5419051 CISANGKAN Soreang
KK Waroeng bjb Pasar Caringin Jl. Jend. H. Amir Machmud No. 510 Telp : 022-5891611,5891187
KCP TAMAN KOPO INDAH (TKI) Bandung Kel. Padasuka, Kec. Cimahi Tengah Fax : 022-5891220,5891273
Ruko 1 B No. 37 A-B Pasar Caringin Kav B.1 No. 22-23 Kota Cimahi 40526 Pelay & Opr : 022-5891611
Jl. Taman Kopo Indah II, Kab. Bandung Telp : 022-6652501, 6626582,
Telp : 022-5409753, 5409628 KK Waroeng bjb 6626691 KANTOR CABANG PEMBANTU
Fax : 022-5423753 Jl. Kopo (bihbul) Fax : 022-6626697 SUB Branch Office
Jl.Bihbul Raya 16C Bandung
KCP KOPO BAROS DAYEUHKOLOT
Jl. Kopo No. 54 KK Waroeng bjb Sukamenak Ruko Pondok Mas Raya Jl. Raya Banjaran No.7
Kec. Astanaanyar, Kota Bandung Jalan Kopo Sayati No. 215 Kelurahan Jl. Pondok Mas Raya No. 22 Banjaran, Kab. Bandung
Telp : 022-6075828, 6014121 Margahayu Utara Kelurahan Leuwigajah Telp : 022-5948936, 5948942
Fax : 022-6075757 Kec Babakan Ciparay Kecamatan Cimahi Selatan Fax : 022- 5948936
Kota Cimahi
KCP KEBON JATI TITIK PEMBAYARAN Telp : 022-86617336,86617337 KOPO SAYATI
Jl. Kebon Jati No. 125 Payment Point Fax : 022-6629953 Jl. Kopo Bihbul No. 65
Kec. Andir, Kota Bandung Kec. Margahayu, Kab. Bandung
Telp : 022-6071461 SAMSAT OUTLET BANDUNG TRADE CITEUREUP Telp : 022-5401382
Fax : 022-6071461 CENTRE (BTC) Jl.Encep kartawiria no.143C RT04/08 Kel. Fax : 022-5401292
Bandung Trade Center (BTC) citeureup kec.cimahi utara kota cimahi
KCP PETA Lt. Semi Basement, Blok CS F, Kav. 01 PANGALENGAN
Komplek Pertokoan Kopo Plaza B.7 Jl. Dr. Djundjunan No.143-149 CIBEUREUM Jl. Raya Pangalengan No. 440
Jl. Peta, Lingkar Selatan, Kota Bandung Jl.Raya Cibeureum No.48 Kota Bandung Kec. Pangalengan, Kab. Bandung
Kec. Bojongloa Kaler Kota Bandung Telp : 022-6033845 Telp. 022-6078406/07 Telp : 022-5978166
Telp : 022-6001472 Fax : 022-6033845 Fax.022-6013240 Fax : 022-5979118
Fax : 022-6034492
SAMSAT BANDUNG TRADE MALL GUNUNG BATU
(BTM) Jl.gunung batu No.93E Kota Bandung
Gedung Bandung Trade Mall (BTM) Telp. 022 87774863/ 022 87774864
Jl. Ibrahim Adjie No. 36 A Fax. 022 87774865
Kota Bandung

CIWIDEY SAMSAT KOPO SQUARE KK Waroeng bjb Rancakalong PAJAJARAN
Jl. Raya Soreang-Ciwidey Kopo Square, Jl. Raya Kopo Bihbul Desa Nagarawangi Kec Rancakalong Jl. Pajajaran No. 84, Kota Bandung
Desa Tenjolaya, Kec. Pasir Jambu No. 45 Kab. Bandung Kab Sumedang Telp: (022) 6021816
Kab. Bandung Fax: (022) 6127178
Telp : 022-85920724, 85920725, KANTOR CABANG KK Waroeng bjb Darmaraja
85920726 Branch Office Jl.Raya Darmaraja RT/RW 02/01 Kel. KANTOR KAS
Fax : 022-85920723 Sukaratu Cash Office
CABANG SUMEDANG Kec.Darmaraja Kab.Sumedang
BANJARAN Jl. Prabu Geusan Ulun No.89 PEMDA KOTA BANDUNG
Jl. Raya Banjaran Kab. Sumedang - 45312 KK Waroeng bjb Tomo Jl. Wastukencana No.2
Desa Kemasan, Kec. Banjaran Phone : 0261 - 201395, 201006 Dusun Seupang RT/RW 01/04 Kel.tomo Kota Bandung
Kab. Bandung Fax : 0261-201514, 202059 Kec.Tomo Kab.Sumedang Phone : 022-4219882
Telp : 022-5949231, 5949232 telex : 28739 BPDSMD IA Fax : 022-4219882
Fax : 022-5941428 TITIK PEMBAYARAN
Introduction
KANTOR CABANG PEMBANTU Payment Point YANTAP PEMKOT BANDUNG
AL-IHSAN SUB Branch Office Jl. Cianjur No. 34
Jl. Kiastamanggala KPP PRATAMA SUMEDANG Kota Bandung
Baleendah, Kab. Bandung CIKERUH Jl. Ibrahim Ajie no. 372 Phone : 022- 7101012
Telp : 022-5944244 Jl. Raya Jatinangor No.92 Bandung Fax : 022-7101012
Fax : 022-5944271 Kec. Jatinangor, Kab. Sumedang
Phone : 022-7798321 Samsat Jatinangor Town Square BANDUNG INDAH PLAZA (BIP)
KATAPANG Fax : 022-7798321 Jatinangor Town Square Jl.Merdeka No.56 Bandung
Jl. Terusan Kopo No. 62 Jl. Raya Jatinangor No 150
Kec. Katapang, Kab. Bandung TANJUNGSARI Kab. Sumedang UNPAS
Performance
Telp : 022-5891646 Jl. Raya Tanjungsari Jl. Tamansari No. 6-8 Bandung
Fax : 022-5891645 Blok Lanjung, Desa Tanjungsari Samsat Wilayah Kab. Sumedang
Kec. Tanjungsari, Kab. Sumedang BEC
KANTOR KAS Phone : 022-7911052 KANTOR CABANG Jl.Purnawarna No.13-15 Kota Bandung
Cash Office Fax : 022-7911052 Branch Office
KK Unpas Setiabudi
PPTSP SOREANG WADO CABANG TAMANSARI Jl. Tamansari No. 6-8 Bandung
Komplek Perkantoran Pemda Jl. Raya Wado No. 62 Jl. Tamansari No. 18
Kab. Bandung Blok Kaum, Desa Wado, Kec. Wado Kota Bandung KK Waroeng bjb Jatayu
Good Corporate
Governance
Jl. Raya Soreang Km. 17 Kab. Sumedang Phone : 022- 4230547,4206666,4260917 Jl.Komud supadio no.30 RT/RW 09/06 Kel.
Soreang - Kab. Bandung Phone : 0262-428427 Fax : 022-4200976 Husein Sastranegara
Telp : 022-5891109 Fax : 0262-428427 Kec.Cicendo Bandung
Fax : 022-5891108 KANTOR CABANG PEMBANTU
KCP CIMALAKA SUB Branch Office KK Waroeng bjb Cigadung
RSUD SOREANG Blok Pakemitan, Desa Cimalaka jl. Sadang serang no. 2 Tubagus Ismail
JL. Alun-alun Utara No. 1 Kecamatan Cimalaka Kabupaten SIMPANG DAGO Kota Bandung
Kec. Soreang, Kab. Bandung Sumedang Jl. Ir. H. Juanda No. 191
Telp : 022-5891628 Phone :0261-203382 Kec. Coblong, Kota Bandung TITIK PEMBAYARAN
Corporate Social
Fax : 022-5891628 Fax : 0261-203382 Phone : 022-2534885,2534963, 2534836 Payment Point
Responsibility
Fax : 022-2534935
RANCAEKEK TRADE CENTRE (RTC) UJUNG JAYA DISHUB KOTA BANDUNG
Jl. Rancaekek - Majalaya km 1 Kabupaten Dusun ujung jaya RT01/03 desa ujung jaya PAJAJARAN Jl. Sukabumi No. 1, Kota Bandung
Bandung kec.ujung jaya kab.sumedang Jl. Pajajaran No. 84, Kota Bandung
Telp: (022) 6021816 UNPAS
MARGAASIH KANTOR KAS Fax : (022) 6127178 Jl. Sumatera No. 41 Kota Bandung
Jl. Jati Utama Blok A1 No.10 Margaasih Cash Office
Kabupaten Bandung KCP PEMKOT BANDUNG KANTOR CABANG
RSUD SUMEDANG Jalan Wastukencana No. 21 Branch Office
Consolidated
PAMEUNGPEUK Jl. Palasari No. 80 Kota Bandung
Jl. Raya Banjaran Blok Nambo Kec. Kec. Sumedang Selatan, Kab. Sumedang Telp : 022-4207566 CABANG SUCI
Pameungpeuk Kab.Bandung Phone : 0261-202300 Fax : 022-4210000 Jl. P.H.H. Mustopa No.66
Fax : 0261-202300 Kota Bandung - 40124
PASAR SOREANG Abdurahman Saleh Phone : 022-7235889, 7231921,7231923
Jl. Raya Soreang No.155 Soreang PEMKAB SUMEDANG Jl.Abdurahman Saleh No.74 Kota Bandung 7209003, 7231922
Kabupaten Bandung Jl. P.Geusan Ulun No. 36 Telp: 022-6020792 Fax : 022- 7231920, 7235840
Kab. Sumedang Fax: 022-6020794
KK Waroeng bjb Cibolerang Telp : (0261) 201235 KANTOR CABANG PEMBANTU
Jl. Cibolerang Kota Bandung Fax : (0261) 201235 KCP Dr.Djunjunan SUB Branch Office
Corporate Data
Jl.Dr.Djunjunan No.126-128 Kota Bandung

KK Waroeng bjb Laswi Raya KK Waroeng bjb Conggeang Telp: 022-2003861 UJUNG BERUNG
Jl. Laswi No. 152 - 154 Kab. Bandung Dusun Conggeang RT/RW 01/01 Kel. Fax: 022-2002176 Jl. Raya Ujung Berung No.38
Conggeang Wetan Ujungberung - Kota Bandung
TITIK PEMBAYARAN Kec.Conggeang Kab.Sumedang SIMPANG DAGO Telp : 022- 7802917
Payment Point Jl. Ir. H. Juanda No. 191 Fax : 022-7814428
KK Waroeng bjb Paseh Kec. Coblong, Kota Bandung
PBB BANDUNG TIGA CIMAHI Jl. Siliwangi Kel Paseh Kidul Kec Paseh Telp: 022-2534885,2534963, 2534836 CICADAS
Jl. Raya Cimareme 205 Kab Sumedang Fax: 022-2534935 Jl. Jend. Achmad Yani No. 414
Ngamprah - Kab. Bandung Kota Bandung
KK Waroeng bjb Pasar Tandang KCP Kosambi Telp : 022-7213394, 7211334
KANTOR SAMSAT SOREANG Jl.Tampomas No.57 Kel.Kota Kaler Jl.Ahmad Yani No.221-223 Blok A-13 Fax : 022-7210207
Jl. Raya Gading Tutuka Kec.Sumedang Utara-Sumedang Kota Bandung
Soreang-Kab. Bandung Telp: 022-7232617 ANTAPANI
Fax: 022-7232617 Jl. Terusan Jakarta No. 109 F
Kec. Antapani, Kota Bandung
Telp : 022-7278841
Fax : 022-7278841
627
MARTADINATA SURYA KENCANA PONDOKGEDE KANTOR KAS

Jl. Laksamana Laut Raden Edi Martadinata Jl. Surya Kencana No. 321, Jl. Jatiwaringin No. 76 C Cash Office
No. 106 Kec. Kota Bogor Tengah, Kota Bogor Pondokgede, Bekasi
Kec. Bandung Wetan, Kota Bandung Telp : 021-8462851, 84977402 Pusat Pelayanan Satu Atap Kota Depok
Telp : 022-4236883 KANTOR KAS Fax : 021 - 84995274 Jl. Margonda Raya No. 54
Fax : 022-4236883 Cash Office Kota Depok
KCP CIPINANG
CICAHEUM KK Empang Pertokoan Pasar Beras Induk Cipinang ITC DEPOK
Jl.PHH Mustofa No.39 Blok B-6 Kota Jl.Pahlawan Kec.Bogor Selatan Kota Bogor Lantai 2 Blok HA No. 6, 7, 8, 25, 26, 27 Jl.Margonda Raya No. 56 Kota Depok
Bandung TLP 0251-8346693 Jakarta Timur
Telp. 022 87242862 Telp : 021-47883289 KK DEPOK TOWN SQUARE (DETOS)
Fax. 022 8724286 BOTANI SQUARE Fax : 021-47883288 Jl. Margonda Raya No.1 Kota Depok
Botani Square, Jl.Raya Padjajaran LG #3C
KCP CIBIRU Kota Bogor KCP PULOGADUNG MERUYUNG
Jl.AH Nasution RT02/01 Kel.Pasanggrahan Tlp.0251-8400870/871 Jl. Raya Bekasi Km. 12, Kawasan Industri Jl.Meruyung Raya No.8 Kel.Rangakapan
Kec.Ujungberung Kota Bandung PT. JIEP (Jakarta Industrial Estate Jaya Kec.Pancoran Mas
Tlp. 022-7803566 KK Bogor Nirwana Residence Pulogadung) Telp.021-77880681
Fax022-7803566 Ruko Orchard walk blok d-18 Bogor Pulogadung, Jakarta Timur Blok 8-I
Nirwana Residence Mulyaharja Kaveling No. 9 Jakarta Timur DEPOK 2
KANTOR KAS Kec Bogor Selatan, Kota Bogor Telp : 021-46800317 Jl.Raya Kemakmuran No.48 RT 004/04
Cash Office Fax : 021-46800284 Mekar Jaya-Depok
KK Kec. Bogor Barat (Sindangbarang)
Kantor Kas BPN jl. Letjend Ibrahim Adjie No. 199 KRANGGAN MAS Jl. RAYA MUCHTAR
Jl. Soekarno -Hatta No.586 Sindangbarang-Bogor Barat Pasar Kranggan Blok LT 1/KS/E4 No. 11 Jl.Raya Muchtar No.1 Sawangan Baru-
Kota Bandung Kota Bogor dan Blok LT 1/KS/E4 No. 14 Depok
Phone : 022-7503821 Jl. Kranggan Raya Kec. Jatisampurna
Fax : 022-7503810 KK Kec. Bogor Utara Kabupaten Bekasi Jl. RAYA BOGOR
Jl.Ahmad Adnawijaya No.68 RT 01/015 Telp : 021-84591027 Jl.Raya bogor Km31 Kec.sukmajaya Kota
KANTOR KAS KOTA BANDUNG(RSUD Kel.tegal Gundil Kec.Bogor Utara Fax : 021-84591453 Depok
Ujung Berung)
Jl. Rumah Sakit No. 22 KK Waroeng bjb Pasar Grosir Bogor KANTOR CABANG TITIK PEMBAYARAN
Kec. Ujung Berung, Kota Bandung (PGB) Branch Office Payment Point
PGB Jl. Merdeka - Perintis Kemerdekaan
KANTOR KAS PDAM Kota Bogor CABANG DEPOK PBB KOTA DEPOK
Jl.Badak Singa No.10 Bandung Lt. 2 Ma-05, Ma-06, MA-07 Jl. Margonda Raya No.29 Jl. Pemuda No. 40
Kota Depok - 16432 Kota Depok
A.H NASUTION TITIK PEMBAYARAN Phone : 021-7777772,7777773
Jl.AH Nasution Kel.pasanggrahan kec. Payment Point fax : 021-7777774 PBB Kec. Pancoran Mas
ujung berung Bandung Jl. Kartini No. 9 Kec. Pancoran Mas
Dispenda Kota bogor KANTOR CABANG PEMBANTU Kota Depok
STIE EKUITAS Jl. Pemuda No. 31 Kota Bogor SUB Branch Office Telp. 021-77200537
Jl.P.H.H.Mustopa No.31 Kota Bandung
PP Samsat Bogor Trade Mall CIMANGGIS PBB Kec. Sawangan
KK Waroeng bjb Sukamiskin Bogor Trade Mall Jl. Ir. Juanda No. 58 Ruko Cisalak Permai No.7 Jl. Raya Mukhtar Sawangan No. 91
Jl. A.H Nasution No.47 Bandung Kota Bogor Jl. Raya Cisalak-Cimanggis Kec. Sawangan, Kota Depok
Cimanggis Depok Telp. 0251-618177
KANTOR CABANG Samsat Wilayah Kota bogor Telp. 021-8730246
Branch Office Fax. 021-8730349 PBB Kec. Beji
KANTOR PERTANAHAN KOTA BOGOR Jl. Depok Indah II No. 1
CABANG BOGOR Jl Jendral Ahmad Yani No.41 Kota Bogor CINERE Kec. Beji, Kota Depok
Jl. Kapten Muslihat No.11-13 Jl. Raya Cinere No. 11 Telp 021-7520233
Kota Bogor - 16121 BPPTPM KOTA BOGOR Kel. Cinere, Kec. Limo
Phone : 0251 - 8324132 Jl. Kapten Muslihat No. 21 Kota Bogor Kota Depok PBB Kec. Limo
fax : 0251 - 8313654, 8382854 Telp : 021-7531223,7535023,7531223 Jl. Raya Limo No. 44 Kec. Limo
KANTOR CABANG Fax : 021-7531262 Kota Depok
KANTOR CABANG PEMBANTU Branch Office Telp. 021-754982
SUB Branch Office SAWANGAN
CABANG RAWAMANGUN-CABANG Jl. Raya Parung Ciputat RT.03 RW.03 PBB Kec. Sukmajaya
TAJUR DEVISA Kelurahan Bojongsari, Kecamatan Jl. Merdeka Raya No. 1
Jl. Raya Tajur No. 126 Jl. Pemuda No. 97 Sawangan Kec. Sukmajaya, Kota Depok
Kota Bogor Kec. Pulogadung - Jakarta Timur Kota Depok Telp. 021-77822576
Telp. 0251-8391766, 8391767 Phone : 021-47861771,47868072, Telp : (0251) 8612517
Fax. 0251-8390080 47868073 Fax : (0251) 8611826 PBB Kec Cimanggis
Fax : 021 - 47863209 Radar Ari No. 15 Cimanggis
TANAH SAREAL CIBUBUR Kota Depok
Komp. Ruko Dua Empat No. 8 KANTOR CABANG PEMBANTU Komplek Ruko Citra Grand Blok R.1 Telp. 021-8711436
Jl. Soleh Iskandar SUB Branch Office No. 17
Kel. Kedung Jaya, Kec. Tanah Sareal Kel. Jatikarya, Kec. Jatisampurna PBB Kec. Cipayung
Kota Bogor KALIMALANG Kota Bekasi Jl. Jembatan Lo H. Nurdin Bulak Barat
Telp : 0251-8375750, 8375792 Jl. Inspeksi Kalimalang Telp :(021) 84300120, 84300121 RT 02/RW 08, Kel. Cipayung, Kota Depok
Fax : 0251-8375852 Komplek Billy Moon Blok M-I Kaveling Fax :(021) 84300122
No. 3F PBB Kec. Cilodong
KCP SUDIRMAN Jakarta Timur KELAPA DUA Jl. M. Natsir No. 07
Jalan Jenderal Sudirman No. 58 C Telp : (021) 8643130 Jl.Akses UI RT/RW 06 Kel.Tugu Kec. RT 07/RW 01, Kec. Cilodong, Kota Depok
Kel. Sempur, Kec. Bogor Tengah Fax : (021) 8642987 Cimanggis Kota Depok
Kota Bogor PBB Kec. Tapos
Tlp. 0251-8362655 Jl. Raya Tapos
Fax. 0251-8362655 RT 03/RW 05, Kec. Tapos, Kota Depok
628
PBB Kec. Bojong Sari KANTOR KAS ITC CIBINONG KCP TELUK NAGA
Jl. Raya Muhtar No. 7 Cash Office Jl. Mayor Oking No.11 Cibinong Kampung Melayu Barat No. II-C RT 01/
Kec. Bojong Sari, Kota Depok Kabupaten Bogor RW 02
RSUD Cibinong Kecamatan Teluk Naga Kabupaten
KK Waroeng bjb Beji Jl.KSR Dadi Kusmayadi No.27 Kabupaten PP Samsat ITC Cibinong Tangerang
Jl. H. Asmawi Rt.002/05 No. 121 Beji Bogor Jl. Mayor Oking No 11 Telp : 021-55931929
Kota Depok Cibinong, Kab. Bogor Fax : 021-55932718
PASAR CIAWI
KK Waroeng bjb Citayam Jl. Raya Segitiga Puncak Kecamatan Ciawi Samsat Wilayah Kab. Bogor GLOBAL MANSION
Perumahan Nuansa 99 Jl..Raya Depok- Kabupaten Bogor Ruko Global Mansion Blok RB No.1 dan
Citayam KANTOR CABANG Blok RB No.2 Kel.Priok Kec.Priok kota
Kel.Pondok Jaya Kec.Cipayung Kota PASAR CIBINONG Branch Office Tangerang
Depok Jl. Raden Lukman No.8 Cibinong Tlp. 021-55776066/021-55773788
Kabupaten Bogor CABANG TANGERANG
Introduction
KK Waroeng bjb Tanah Baru Bank DEVISA CIMONE
Jl. Raya Tanah Baru RT.01/06 ITC CIBINONG The Modern Golf Shop Houses No.9 Jl.Merdeka No.207 Keluraha Gerendeng
Kec. Beji-Kota Depok Jl. Mayor Oking No.11 Cibinong Kel. Kelapa Indah, Kec. Tangerang Kecamatan Tangerang
Kabupaten Bogor Kota Tangerang - 15111
KANTOR CABANG Prov. Banten KCP KREO
Branch Office KK Dispenda Kab. Bogor Phone : 021-55749455, 55749457, Jl.HOS Cokroaminoto No.2 RT 001/05
Gedung Dispenda Pemerinta Kabupaten 55749467 Kel.Kreo Selatan Kec.Larangan Kota
CABANG CIBINONG Bogor fax : 021- 55749443, 55749444 Tangerang Selatan
Komplek Perkantoran Pemda Kab Bogor Jl.Tegar Beriman Komp.Perkantoran
Jl. Tegar Beriman - Pemda Cibinong KANTOR CABANG PEMBANTU CIKOKOL
Performance
CIBINONG KAB. BOGOR 16914 Kab.Bogor SUB Branch Office Komp.Mahkota Mas J/08 Jl.MH Thamrin
Phone : 021-87902788,87909994 Kel.Cikokol Kec.Tangerang Kota
fax : 021-87902789, 87914909 KK RSUD Ciawi CILEDUG Tangerang
Jl.Raya Puncak no.479 ds.bendungan Central Business District Ciledug Telp: 021-55703093
KANTOR CABANG PEMBANTU Kec.ciawi Kab.Bogor (Ciledug Family Mall), Ruko D2 No. 53 Fax: 021-55703096
SUB Branch Office Jl. HOS Cokroaminoto No. 93
KK RSUD Cileungsi Kel. Karang Tengah, Kec. Ciledug KANTOR KAS
CITEUREUP (LAMA CIBINONG) Jl.raya cileungsi-jonggol km 10 cileungsi Kota Tangerang Cash Office
Jl. Mayor Oking Jayaatmaja No. 5E Kab.Bogor Phone : 021-7311579
Good Corporate
Governance
Desa Puspanegara, Kec. Citeureup, Kab. Fax : 021-7311620 PEMDA KOTA TANGERANG
Bogor KK Waroeng bjb Babakan Madang Jl. Satria Sudirman No.1
Telp : 021-87943910, 87940916 Jl.Raya babakan Madang sentul city TANGERANG CITY Kota Tangerang
Fax : 021-87940913 Kab.Bogor Ruko Business Park Tangerang City Blok Phone : 021-55768705
B No. 6 Fax. 021-55768705
IPB DARMAGA KK Waroeng bjb Cigombong Kel. Babakan, Kec. Tangerang
Jl. Raya Babakan No. 38 Ruko Plasa Lido Jl.Mayjen HE Sukma Kota Tangerang, Propinsi Banten RSU TANGERANG
Desa Babakan, Kec. Dramaga, Kab. Bogor Km 23 Telp : (021) 55782360 Jl. Jend A. Yani No.9
Fax : 0251-8626786 Kec.Cigombong Kab.Bogor Fax : (021) 55782360 Kota Tangerang - 15111
Corporate Social
Phone : 0251 - 8626813 Phone : 021-5519065
Responsibility
KK Waroeng bjb Ciomas SEPATAN
KCP CILEUNGSI Jl.Raya Ciomas No.101 Jl. Raya Mauk Km. 11 No. 90 TIGARAKSA
Jl. Raya Cileungsi - Jonggol Km 1 Kab Bogor Desa Sepatan, Kec. Sepatan Jl. Somawinata No.1
RT 02 RW 06 Kel. Cieungsi Kec. Cileungsi Kab. Tangerang, Propinsi Banten Lingkungan Gedung Sekda
Kab. Bogor KK Waroeng bjb Cariu Telp : (021) 59370762,59570763 Komp. Pemda Kab. Tangerang
Phone ; 021-82484347, 82484345 Jl.Tegaracak Kec.Cariu Fax : (021) 59370741 Phone : 021- 5991475
Fax. 021-82484346 Kab.Bogor Fax. 021-5994529
GADING SERPONG
CIAWI KK Waroeng bjb Pasar Cileungsi Kab. Jl. Raya Serpong Km. 7 No. 111 KK Waroeng bjb Pasar Anyar
Consolidated
Jl. Raya Puncak Gadog No. 23 Bogor Kel. Pakualam, Kec. Serpong Utara Tangerang
Desa Pandan Sari, Kec. Ciawi Jl.Raya Narogong Km 23 No.38 Blok G/6 Kab. Tangerang, Propinsi Banten Jl. Kiasnawi Kel. Sukarasa
Kab. Bogor Kec.Cileungsi Kab.Bogor Telp : (021) 5396084 Kota Tangerang
Phone : 0251-8245152 Fax : (021) 5396084
Fax : 0251-8245137 KK Waroeng bjb Pasar Cisarua Kab. TITIK PEMBAYARAN
Bogor KCP CIPONDOH Payment Point
LEUWILIANG Jl.raya puncak RT 004/RW 03 Jl. K. H. Hasyim Ashari
Area Trade Center (ATC) Blok A No. 1 Kec.Cisarua Kab.Bogor Kecamatan Cipondoh Kota Tangerang PBB KAB TANGERANG/Kosambi/
Kec. Leuwiliang, Kab. Bogor Telp : 021-55701153 Cikokol
Telp : 0251-8643632 TITIK PEMBAYARAN Fax : 021-55701155 Jl. Perintis Kemerdekaan
Corporate Data
Fax : 0251-8643640 Payment Point Kantor Pelayanan Pajak

KCP JATIUWUNG PBB - TANGERANG
KCP PARUNG RSUD Cibinong Jl. Gatot Subroto Km. 5,5 No. 8A Phone : 021- 55776556
Pertokoan Ceria Jaya, Jl. Raya Parung RT Jl.KSR Dadi Kusmayadi No.27 Kabupaten Jatiuwung Kabupaten Tangerang kosambi
002/004 Desa Parung Kec.Parung Kab. Bogor Telp : 021-5921499
Bogor Fax : 021-5921497 PBB KOTA TANGERANG
Tlp. 0251-8614123 PASAR CIAWI Komp. Perkantoran Kota Tangerang
Jl. Raya Segitiga Puncak Kecamatan Ciawi KCP KEBON BESAR Jl. Satria Sudirman/TMP Taruna
KCP JONGGOL Kabupaten Bogor Jl. Raya Halim Perdana Kusuma Kota Tangerang
Jl.Raya Alternatif RT 002/008 Pojok Salak, Kelurahan Jurumundi Baru
Kel/Ds Jonggol Kec.Jonggol Kab.Bogor PASAR CIBINONG Kecamatan Benda Kabupaten Tangerang KPP Pratama Karawaci
Tlp. 021-89936553 Jl. Raden Lukman No.8 Cibinong Telp : 021-5589939 Jl. Imam Bonjol No. 47
Kabupaten Bogor Fax : 021-5589964 Tangerang
BOJONGGEDE
Komp.Ruko Bojongmas No.8 Jl.Raya KPP Pratama Tigaraksa
Bojonggede Kec.Bojonggede Kab.Bogor Jl. Permata raya C1 No. 100
Telp: 0251-87987676 Lippo Karawaci, tangerang
Fax: 0251-8789800
629
GEDUNG GRAHA 293 TIRTAYASA KK Waroeng bjb Mayofield KANTOR KAS

Gedung Graha 293, Jl. Daan Mogot Jl.Ciptayasa Desa Pontang Kecamatan Mayofield Supermall Jl. SA Tirtayasa Cash Office
Kota Tangerang Pontang Kab. Serang Simpang Tiga Mayofield Mall
PEMDA KAB BEKASI (Delta Mas)
KANTOR CABANG BOJONEGARA KK Waroeng bjb Pasar Kranggot Komp. Perkantoran Pemda Kab. Bekasi
Branch Office Jl.Raya Sumuranja Ds.Sumuranda Kec. Jl.Pasar Baru Sukmajaya Kec.Jombang Desa Sukamahi
Puloampe Kab.Serang Cilegon Kec. Cikarang Pusat
CABANG SERANG Kab. Bekasi
Jl. Veteran No. 6 CIOMAS TITIK PEMBAYARAN Telp : 021-89970147
Serang - 42117, Prov. Banten Ruko Hj.Sarwiti Pasar Ciomas Sebelah LPK Payment Point Fax : 021-89970147
Phone : 0254-200190,210881, 205215 Ciomas Kab.Serang
Fax : 0254 - 205640,205660,205000 Telp.0254-250343 KPP Pratama Cilegon KK RSUD Kab.Bekasi
telex : 44219 BPDSG IA Jl. A. Yani No. 126 Jl. Teuku Umar Km 43 Desa Wanasari
Kode Cabang : PETIR Kota Cilegon, Prov. Banten Cibitung
Jl.raya petir tunjung teja Kp.kebon sawo Telp : 0254-374234, 374456 Kab Bekasi
KANTOR CABANG PEMBANTU RT 04/02 Desa mekar baru serang Fax : 0254-374741
SUB Branch Office KK BPN Kab. Bekasi
JAWILAN KANTOR CABANG Komp. Perkantoran Pemda Kab. Bekasi
CIKANDE Jl.raya cikande rangkasbitung KM 12 Branch Office Desa Sukamahi
Jl. Raya Jakarta Serang Km.19 Kp.Nangela ps.ds.nangela kec.kopo serang Kec. Cikarang Pusat Kab. Bekasi
Desa Tambak, Kec. Kibin Cikande CABANG CIKARANG Tlp : 021-89970147 Fax : 021-89970147
Kab. Serang, Prov. Banten KARANG ANTU Jl.Yos Sudarso No.91-93
Phone : 0254 - 404134,404135 Perum Mina Bakti Blok A1 No.78 kec. Cikarang Plaza KK Waroeng bjb Tambun Utara
Fax : 0254 - 404134 Karangantu serang Kec. Cikarang Utara, Kab. Bekasi Ruko Pasadena blok D02 no.26 vila
Phone : 021-8903128, 8903153 mutiara gading 2
CIRUAS KK Pemkab Serang 88900042 Kab.Bekasi
Jl. Raya Jakarta, Kampung Kwaron Jl.Veteran No.1 Serang (di dalam fax : 021-8900040
Desa Citeureup, Kecamatan Ciruas llingkungan pemkab) KK Waroeng bjb Pasar Sukatani
Kabupaten Serang, Prov. Banten KANTOR CABANG PEMBANTU Kp.Srengseng Jaya RT 004/002
Telp : (0254) 283692, 283691 TITIK PEMBAYARAN SUB Branch Office Ds.Sukadamai
Fax : (0254) 283798 Payment Point Kec.Sukatani Kab.Bekasi
JABABEKA
BAROS PBB KAB SERANG Cikarang Commercial Center KK Waroeng bjb Tambun Selatan
Blok Cikedokan, Kel. Baros Jl. Jend. A. Yani No. 141 Blok B No. 15 Pasar Modern Grand Wisata Blok PR 5
Kec. Baros, Kab. Serang, Prov. Banten Serang - Propinsi Banten Jl. Raya Cikarang - Cibarusah Km. 40 No.8 Desa Lambang Sari
Telp : (0254) 205695, 25696 Kel. Pasir Sari, Kec. Cikarang Utara Kec.Tambun Selatan Kab.Bekasi
Fax : (0254) 205697 KANTOR CABANG Kab. Bekasi
Branch Office Telp : 021-89842197, 89842196, KK Waroeng bjb Tarumajaya
KRAMATWATU 89830647 Kp.bali RT 002/002 Desa Pantai makmur
Jl. Raya Serang Km. 8, CABANG CILEGON - BANK DEVISA Fax : 021-89842198 Kec.Tarumajaya Kab.Bekasi
RT. 003/RW. 001, Desa Kramatwatu, Jl. Ahmad Yani No. 132
Kec. Kramatwatu, Kab. Serang, Provinsi Kel. Sukmajaya, Kec. Jombang TAMBUN KK Waroeng bjb Cibarusah
Banten Kota Cilegon 42411, Prov. Banten Komplek Ruko Plaza Metropolitan Jl.Raya Cibarusah Kota
Phone : 0254- 398718,398717, Blok A/003 No. 19-20 Kec.Cibarusah Kab.Bekasi
RAU 391414 Kec. Cibitung, Kab. Bekasi
JL.SEMAUN BAKRI NO.11 KOTA SERANG Fax : 0254- 382978 Phone : 021-88382731 KK Waroeng bjb Cibitung
telex : 28009 BPDCI IA Fax : 021-88328728 Bekasi Regency II No.12A Wanasari
PALIMA Cibitung
Kp.Andmoi RT 01/01 Desa Sukawana Kec. KANTOR CABANG PEMBANTU KCP BABELAN Kab.Bekasi
Curug Kota Serang SUB Branch Office Jalan Raya Babelan Km. 3 RT 01/01
Kec. Babelan, Kab. Bekasi KK Waroeng bjb Cikarang Barat
KANTOR KAS MERAK Telp :021-89132700,89137001 Jl.Imam Bonjol No.80 Ciakrang barat
Cash Office Jl. R.E. Martadinata No. 15 Fax :021-89132668 Kab.bekasi
Kel. Mekarsari, Kec. Pulo Merak
RSUD Serang Kota Cilegon, Prov. Banten PEMDA KAB. BEKASI (DELTA MAS) KK Waroeng bjb Cikarang Baru
Jl. Rumah Sakit Umum No. 1 Telp : 0254-571490, 571416, Ruko Loure Palais De Paris Blok C No.1 Jl.Tarum Barat 2 Blok A2 No.23 Ruko The
Serang, Prov. Banten 571572, 572743 royal grande
Phone : 0254-217527 Fax : 0254-571596 Kawasan Delta Mas, Kec. Cikarang Kec.cikarang pusat Kab.bekasi
Fax : 0254-217526 Pusat
ANYAR Kab. Bekasi KK Waroeng bjb Cikarang Selatan
KP3B Serang Jl. Sirih No. 2, Desa Anyar Telp : 021-89970573, 89970574 Kp.Serang RT 011/RW 06 Desa Sukadamai
Gd. Dinas Pengelolaan Keuangan & Aset Kec. Anyar, Kab. Serang, Prov. Banten Fax : 021-89970576 Kec.Cikarang Selatan Kab.bekasi
Daerah Telp : (0254) 6002271
Provinsi Banten Fax : (0254) 600282 SUKARESMI KK Waroeng bjb Cikarang Utara
Jl. Syeh Nawawi Al-Bantani Palima Jl. Raya Cibarusah Kavling No. 31.0 Sentra Niaga Square Blok 8A No.10
Serang - Propinsi Banten KANTOR KAS Ruko Cikarang Point Cikarang Utara
Phone : 0254-267062 Cash Office Kec. Cikarang Selatan, Kab. Bekasi Kab.Bekasi
Fax : 0254-267063 Telp : 021-89677093
PEMKOT CILEGON Fax : 021-89677094 TITIK PEMBAYARAN
PASAR LAMA Payment Point
LAPENTA RSUD CILEGON SUKATANI
Jl. Raya Jakarta KM. 4 Pakupatan Serang. Jl.Kapt.P Tendean Km. 3, Cilegon. Jl.Raya Pilar Sukatani Kp.Blokang KPP Pratama Cikarang Selatan
RT 002/001 Desa Karang Sentosa, Jl. Cikarang Baru Raya
CIPOCOK JL.STASIUN Kec.Karang Bahagia Kab.Bekasi Office Park No. 10
Jl.Raya Petir RT 01/06 Kelurahan Cipocok Jl.Stasiun No.1 Ds.Jombang Wetan Kec. Telp: 021-89160270 Cikarang, Kab. Bekasi
Jaya Kota Serang Cilegon Fax: 021-89160287
630
PP Samsat Tambun/Plaza Metropolitan SETU KK Waroeng bjb Pasar Bantargebang KANTOR CABANG
Plaza Metropolitan Lt. 2 Kp.Burangkeng RT002/006 Ds.Burangkeng Jl.Raya Narogong (Belakang pasar Branch Office
Jl. Sultan Hasanudin Kec.Setu Kab.Bekasi bantargebang) Blok B-2
Tambun Selatan, Kab. Bekasi Telp: 021-82610150 Kota Bekasi CABANG KARAWANG
Fax: 021-82611523 Jl. Kertabumi No.2
Samsat Kabupaten Bekasi TITIK PEMBAYARAN Kab. Karawang - 41311
Jl. Industri No. 14, Cikarang WISMA ASRI Payment Point Phone : 0267-402115, 402070
Kabupaten Bekasi Jl.Perjuangan No.8 Wisma Asri Teluk Fax : 0267-403704,404618
Picung Bekasi Utara KPP Pratama Bekasi Selatan (UPSA KP Pemimpin : 0267-402363
KANTOR CABANG Telp: 021-88972079 PBB Bekasi) Pelay& Oprs : 0267-402070
Branch Office Fax: 021- 88966225 Jl. Cut Meuthia No. 37
Bekasi 17113 KANTOR CABANG PEMBANTU
CABANG BEKASI KANTOR KAS SUB Branch Office
Bank DEVISA Cash Office Pemda Bekasi
Introduction
Jl. Ir.H. Djuanda No.126 Jl. Ir H. Djuanda No. 100 CIKAMPEK
BEKASI - 17113 RSUD Kota Bekasi Bekasi Jl. Jend. A. Yani No. 21
Phone : 021- 8802642,8800563 Jl. Pramuka No. 55 Cikampek - Kab. Karawang
8801841 Bekasi Samsat Mall Pondokgede Phone : 0264-312939,312940
fax : 021-8814946, 8801442,8814912 Telp. 021-88963935 Mall Pondokgede, Basement Hypermart fax : 0264-303554
telex : 48468 BPDBKS IA Fax. 021-88963934 No 26-28
Jl. Raya Jatiwaringin, Bekasi RENGASDENGKLOK
KANTOR CABANG PEMBANTU Kas Pemkot Bekasi
Jl. Proklamasi No .420

SUB Branch Office Jl. A Yani No. 1 Samsat Kota Bekasi Kec. Rengasdengklok - Kab. Karawang
Bekasi Jl. Ahmad Yani No. 7
Performance
Phone : 0267-8486088, 8486089
BANTARGEBANG Telp. 021-88855505 Kota Bekasi Fax : 0267-482474
Jl. Raya Narogong Km.11 No.65 Fax : 021-88855506
Bantargebang - Bekasi KANTOR CABANG CILAMAYA
Phone : 021-8250303, 8251315 KK Waroeng bjb Bintara Branch Office Jl. Raya Cilamaya No. 173
Fax : 021-8254182 Jl.Bintara raya Kav.no 3 RT 005/002 Kel. Mekarmaya, Kec. Cilamaya Wetan
Kel.Bintara Kec.Bekasi Barat Kota Bekasi CABANG PURWAKARTA Kab. Karawang
KRANJI Jl Jendral Sudirman No. 63-64 Phone : (0264) 8380431
Komp. Pertokoan Sentra Kranji Baru No. KK Waroeng bjb Pondok Melati Kab. Purwakarta - 41114 Fax : (0264) 8380432
A-4 Jl.raya Hankan No.3 Komp.Ruko Mutiara Phone : 0264-200977,200976
Good Corporate
Governance
Jl. Bintara Raya No. 12 Indah No.3A fax : 0264- 200793 TELAGASARI
Kranji - Bekasi Kel.JatiMurni Kec.Pondok Melati Kota telex : 44747 BPDPWK IA Jl. Syeh Quro
Phone : 021-88964961,88964960 Bekasi Desa Telagasari, Kec. Telagasari
Fax : 021-88964961 KANTOR CABANG PEMBANTU Kab. Karawang
KK Waroeng bjb Jati Asih SUB Branch Office Phone : 0267-8621264, 8621266
MEDAN SATRIA Jl.Raya Jatimakmur Blok F No.25 Fax : 0267-8621265
Ruko Bulevar Hijau Blok B, C No. 20 Kota Bekasi PLERED
Kelurahan Pejuang, Kecamatan Medan Jl. Warung Kondang No. 5 A KLARI
Satria KK Waroeng bjb Kayu Ringin Kec. Plered, Kab. Purwakarta Jl. Raya Kosambi No. 7B
Corporate Social
Kota Bekasi Komp.Pertokoan Grand Mall Bekasi Blok Telp : (0264) 8280098,8280099 Desa Duren, Kecamatan Klari
Responsibility
Telp : (021) 88882304,88882305 C No.3 Fax : (0264) 8280098 Kab. Karawang
Fax : (021) 88882305 Jl.Jendral Sudirman Depan Koramil Telp : (0267) 8615661
01-Bekasi WANAYASA Fax : (0267) 8615674
KCP AHMAD YANI Jl. Raya Wanayasa RT. 07/RW. 01
Sentra Niaga Kalimalang Blok A7 No. 2 KK Waroeng bjb Pekayon Desa Wanayasa, Kec. Wanayasa KANTOR KAS
Jalan Ahmad Yani No. 92 Jl.Pulp Ribung BB 46A-12 Bekasi Selatan Kab. Purwakarta Cash Office
Kel. Margajaya, Kec. Bekasi Selatan Kota Bekasi Telp. 0264-8222236
Kota Bekasi Fax. 0264-8222236 PEMDA KAB.KARAWANG
Telp : 021- KK Waroeng bjb Rawalumbu Komplek Perkantoran Pemerin-
Consolidated
Fax : 021- Pasar Segar Ruko No.RA 5 Jl.Raya PASAR SIMPANG tah Daerah Kabupaten
Narogong Jl. Kapten Halim No. 178 RT.44/15 Karawang, Jl. Jend. A. Yani No.1
KCP GALAXI Kota Bekasi Kel. Sindangkasih, Kec. Purwakarta Kab. Karawang
Jl. Taman Galaxi Blok A No. 6 Kab. Purwakarta Phone : 0267-406768
Kel. Jakasetia, Kec. Bekasi Selatan KK Waroeng bjb kel. Pejuang Telp : (0264) 8221700 Fax : 0267-406768
Kota Bekasi Jl.Ruko Taman Harapan baru Blok B1 Fax : (0264) 8221600
Telp : 021- No.38 RT 007/026 RSUD KABUPATEN KARAWANG
Fax : 021- Kel.Pejuang Kec.Medan Satria Bekasi KK Waroeng bjb Campaka Purwakarta Jl. RSUD No.1
Jl. Raya Sadang KM 5 Ds. Kec Campaka Desa Sukaharja, Kec. Teluk Jambe
KCP KALIMAS KK Waroeng bjb Pondok Ungu Kab Purwakarta Kab. Karawang
Corporate Data
Ruko Kalimas C-21 Candabraga blok ATI/1A Pondok Ungu Phone : 0267-647187
Jl. Chairil Anwar Bekasi TITIK PEMBAYARAN
Kec. Bekasi Timur, Kota Bekasi Payment Point JOHAR
Telp : 021-8810903 KK Waroeng bjb Wisma Asri Jl. Tuparev No.159 Karawang Timur
Fax : 021-8816249 Smart Market bekasi blok A No.5 PBB Kab. Purwakarta Kabupaten Karawang
Perumahan Telaga Mas Jl. Ir. H. Juanda No. 1
KCP JATIASIH Bekasi Kab. Purwakarta BATUJAYA
Jl. Raya Jatiasih No. 27 Ruko SBS Pasar Batujaya Jl.Raya Batujaya Tanjung
Kec. Jatiasih - Kota Bekasi KK Waroeng bjb Mutiara Gading Yantap BPMPTSP Pakis Kab. Karawang
Telp : 021-82427214, 82427254 Ruko R09 No.21 dan 22 mutiara Gading Jl. Veteran No. 139
Fax : 021-82434607 Timur Kab. Purwakarta KK Waroeng bjb Teluk Jambe
Bekasi Karawang
SAMSAT WILAYAH KABUPATEN Perumnas Bumi Telukjambe, Blok Y No.4
PURWAKARTA Desa Sukaluyu
Jl.RE Martadinata No. 22 Purwakarta Kab.Karawang
631
KK Waroeng bjb Tuparev Karawang CIBEBER KANTOR CABANG KANTOR CABANG

Jl.Tuparev No.38 Kab.Karawang Jl. Raya Cibeber Branch Office Branch Office
Desa Cipetir, Kec. Cibeber
KK Waroeng bjb Lemah Abang Wadas Kab. Cianjur CABANG PANDEGLANG CABANG RANGKASBITUNG
Jl.Syech Quro No.29 Lemah Abang Wadas Telp : (0263) 2337401,2337400 Jl. Mayor Widagdo No.6 Jl. Patih Derus No.4
Karawang Fax : (0263) 2337402 Kab. Pandeglang 42212, Prov. Banten Rangkasbitung 42311, Prov. Banten
Phone : 0253-201160,201332, Phone : 0252 - 201243, 204684
KK Waroeng bjb Kosambi Karawang TANGGEUNG fax : 0253-201416, 204402 fax : 0252-201183, 207681
Jl.raya Kosambi No.87 Telagasari Kp. Kaum, Desa Tanggeung telex : 44691 BPDPDG IA telex : 44958 BPDRKS IA
Karawang Kecamatan Tanggeung
Kabupaten Cianjur KANTOR CABANG PEMBANTU KANTOR CABANG PEMBANTU
KK Waroeng bjb Pasar Loji Telp : (0263) 363735,363734 SUB Branch Office SUB Branch Office
Kp.Loji RT 03/02 Ds.Cintalaksana Kab. Fax : (0263) 363736
Karawang PICUNG MALINGPING
PEMKAB CIANJUR Jl. Kampung Pasar Picung RT.02 RW.04 Jl. Jend.A.Yani No.19 Malingping
KK Waroeng bjb Cikalong Jalan Siti Jaenab No. 65 Desa Cililitan, Kec. Picung Rangkasbitung, Prov. Banten
Jl.Raya Krasak Wadas (Pasar Cikalong) Kelurahan Pamoyanan Kabupaten Cianjur Kab. Pandeglang Phone : 0252-508356, 508352
Kec.Cilamaya Wetan, Karawang Telp : (0253) 402776, 402775 Fax : 0252-509083
CIRANJANG Fax : (0253) 402774
TITIK PEMBAYARAN Jl.Raya Ciranjang Ds.Cibiuk Kec.Ciranjang CIPANAS
Payment Point Kab.Cianjur KANTOR KAS Blok Citatah, RT.02 RW.04
Cash Office Desa Bintang Resmi, Kec. Cipanas
KPP Pratama Karawang Utara SINDANGBARANG Kab. Lebak, Prov. Banten
Jl. A. Yani No. 17 Kampung sukamulya RT01/002 Kec. PEMDA Kab. Pandeglang Telp : (0263) 511609, 517361
Kab. Karawang sindangbarang kab.cianjur Jl. A. Satriawijaya No.2 Fax : (0263) 517190
Tlp. 0263 2368221 Kab. Pandeglang
KPP Pratama Karawang Selatan Fax. 0263 2368222 Fax : 0253-202271 MAJA
Jl. Raya Kusuma Negara Jl. Raya Maja No. 66 Blok Pasar Maja
(Interchange Tol Karawang barat) KANTOR KAS RSUD Pandeglang Desa Maja Kecamatan Maja Kabupaten
Kab. Karawang Cash Office Jl. Raya Labuan Km 5 Lebak
Cikoneng, Kab. Pandeglang Telp : 0252-281146
Samsat Mall Cikampek RSUD CIANJUR Phone : 0253-203202 Fax :
Mall Cikampek Komp. RSUD Cianjur Fax : 0253-203202
Jl. Jend. Ahmad Yani No.76, Cikampek Jl. Rumah Sakit No. 1 BPKAD Lebak
Kel. Bojongherang, Kec. Cianjur, Kab. PASAR PANDEGLANG Jl. Kapugeran I No. 1 Blok Kapugeran
Samsat Wilayah Kab. Karawang Cianjur Jl. Ahmad Yani Pandeglang. Kel. Rangkasbitung Barat
Phone : 0263-272832 Kec. Rangkasbitung Kab. Lebak
RENGASDENGKLOK Fax : 0263-272843 TITIK PEMBAYARAN Telp :
Jl.Proklamasi Kec. Rengasdengklok Kab. Payment Point Fax :
Karawang KEC. CIBINONG KAB.CIANJUR
Kp.Ankola Desa Sukajadi Kec.Cibinong SAMSAT PANDEGLANG BAYAH
DPPKAD PEMKAB KARAWANG Kab.Cianjur Jl.Raya Labuan KM.3 Kabupaten Kp. Bayah Tugu RT 06/01 Ds.Bayah Barat
Jl.Siliwangi No.2 Karawang Pandeglang Kec. Bayah Kab.Lebak - Banten
KADUPANDAK
KANTOR CABANG Kp.Rawasedek RT 03/03 Kec.Kadupandak KANTOR CABANG KANTOR KAS
Branch Office Kab. Cianjur Branch Office Cash Office
CABANG CIANJUR KK DPKAD Kab. Cianjur CABANG LABUAN KK Waroeng bjb warung gunung/
Jl. HOS. Cokroaminoto No.56 A Jl.KH Abdullah bin Nuh Jl. Jend.Sudirman No.182 mandala
Kel. Muka, Kec. Cianjur, Kab. Cianjur - Kab.Cianjur Labuan 42264, Prov. Banten jl. Raya Pandeglang Km 3 Ds. Kaduagung
43215 Phone : 0253 - 801163, 803008 (hunting) Timur
Phone : 0263 - 261474,261570 KK Waroeng bjb Pagelaran Fax : 0253 - 801004 Kec. Cibadak Kab. Lebak
fax : 0263- 263837 Kampung Nanggewer RT 07/01 Desa
telex : 28751 BPDCJ IA Pagelaran KANTOR CABANG PEMBANTU KK Waroeng bjb Gunung Kencana
Kec.Pagelaran Kab.Cianjur SUB Branch Office Jl. Raya Rangkasbitung / Gunung Kencana
KANTOR CABANG PEMBANTU Kab. Lebak
SUB Branch Office KK Waroeng bjb Campaka Cianjur PANIMBANG
Kp Lembur Sawah RT. 03 RW.01 Ds. Blok Panimbang, Desa Panimbang Jaya KK Waroeng bjb Pasar Rangkasbitung
CIPANAS Sukajadi Kecamatan Panimbang Jl. Sunan Kalijaga Ds. Muaraciujung Timur
Jl. Raya Cipanas No.12 A Kec Campaka Kab Cianjur Labuan, Kab. Pandeglang Kec. Rangkasbitung Kab. Lebak
Cipanas - Kab. Cianjur Phone : 0253-881352, 881317
Phone : 0263 - 511609, 517361,516499 TITIK PEMBAYARAN Fax : 0253-881450 KANTOR CABANG
Fax : 0263-517190 Payment Point Branch Office
MENES
SUKANAGARA KPP Pratama Cianjur Jl. Raya Pasar Menes CABANG SUKABUMI
JL. Raya Sukanagara No. 12 Jl. Raya Bandung Km. 3 Kp. Sindang Raya Rt/Rw 01/01 Jl. Jend. A. Yani No. 35 A-37
Kecamatan Sukanagara Kab. Cianjur Ds. Purwaraja, Kec. Menes, Kab. Kota Sukabumi
Kabupaten Cianjur Pandeglang Phone : 0266-223803, 226089, 214611
Phone : 0263-340419 Yantap Dispenda Kab. Cianjur Phone : 0253-502221,502222,502223 Fax : 0266-222854, 214888
Fax: 0263-340418 Ruko Cipendawa No. 14 B Fax : 0253-502111
Pacet-Kab. Cianjur
WARUNG KONDANG KCP CIBALIUNG
Jl. Warungkondang No. 66 Samsat Wilayah Kab, Cianjur Jl. Sumur No. 5
Desa Jambudipa Desa Sukajadi, Kec. Cibaliung
Kecamatan Warungkondang Kabupaten Pandeglang
Kabupaten Cianjur Telp. 0253-5536300
Telp : (0263) 284346,287903 Fax. 0253-5539777
Fax : (0263) 271952
632
KANTOR CABANG PEMBANTU KANTOR CABANG PEMBANTU KK Waroeng bjb Cilawu CIPEUNDEUY
SUB Branch Office SUB Branch Office Jl. Raya Cigarungsang Cilawu Jl.raya cipeundeuy Dsn III Cipeundeuy
Kab.Garut RT04/02 Ds/Kec.Cipeundeuy Kab.Subang
CICURUG CIKAJANG Telp: 0260 713018
Jl. Siliwangi No. 10 Komp. Pasar Cicurug Jl. Raya Cikajang No.83 KK Waroeng bjb Leuwigoong Fax: 0260 713019
Kec. Cicurug - Kab. Sukabumi Cikajang - Kab. Garut Jalan Raya Leuwigoong
Phone : 0266-731794 Phone : 0262-577315,576222 Kec. Leuwigoong Kab. Garut KANTOR KAS
Fax : 0266-731621 Fax: 0262-576222 Cash Office
KK Waroeng bjb Pasar Bandrek
CIBADAK LIMBANGAN Kp.bandrek RT/RW 01/01 Ds.Sukamerang RSUD SUBANG
Jl. Perintis Kemerdekaan Ruko No. 20C Plaza Limbangan Kec.Kersamanah Kab.garut Jl. Brigjen Katamso No. 7
Cibadak, Kota Sukabumi Jl. Raya Limbangan Timur Kab. Subang
Phone : 0266-531079,537705 Blok Sukasirna, Desa Limbangan Timur KK Waroeng bjb Sukawening Phone: 0260-413111
Fax : 0266-537705 Kec. Blubur Limbangan, Kab. Garut jl. Raya sukawening no. 20 Fax : 0260-413112
Introduction
Phone : 0262-431285, 431324 Kec. Sukawening Kab. Garut
PASAR PELITA Fax : 0262-431164 KPP Pratama Subang
Jl.Pabuaran, Kompleks Bekas Emplasmen TITIK PEMBAYARAN Jl. Sutaatmaja No. 72
PJKA, Kel.Tipar,Kec.Kota Sukabumi Utara, MALANGBONG Payment Point Kab. Subang
Kota Sukabumi. Jl. Raya Tasikmalaya - Bandung
Kampung Legok RT.03/RW.01 Samsat Wil. Kabupaten Garut SAMSAT SUBANG
SUKARAJA Desa Malangbong Jl.Karel Satsuit Tubun No.8 Kabupaten
Jl. Sukaraja RT 05 RW 17, Desa Sukaraja, Kecamatan Malangbong KANTOR CABANG Subang
Kec.Sukaraja Kab.Sukabumi. Kabupaten Garut Branch Office
Telp : (0262) 421512 KK Waroeng bjb Otista Subang
Performance
CIAUL Fax : (0262) 421512 CABANG SUBANG Jl.Raya Otista No.76 Kab.Subang
Jl.RA Kosasih RT01/12 Kel.subang jaya Jl. Jend.A.Yani No.2
kec.cikole no.3 sukabumi 43115 PAMEUNGPEUK Kab. Subang - 41212 KK Waroeng bjb Cisalak
Telp. 0266 235242 Jl. Raya Pameungpeuk Phone : 0260-415142,415143 Jalan Raya Cisalak No. 2 Cisalak
Blok Cigodeg Desa Paas fax : 0260-412950,411512 Kab Subang
KANTOR KAS Kecamatan Pameungpeuk telex : 28738 BPDSU IA
Cash Office Kabupaten Garut TITIK PEMBAYARAN
Telp : (0262) 522288 KANTOR CABANG PEMBANTU Payment Point
RSUD SUKABUMI Fax : (0262) 522288 SUB Branch Office
Good Corporate
Governance
Jl. Rumah Sakit No. 1 Samsat Wilayah Kab. Subang
Kota Sukabumi KADUNGORA PAMANUKAN
Phone : 0266-6247724 Jl. Raya Kadungora Jl. Yon Martasasmita No.6 CIASEM Kab.Subang
Fax : 0266-6247724 Desa Kadungora Kec. Pamanukan - Kab. Subang
Kecamatan Kadungora Phone : 0260-551418,553485 KANTOR CABANG
RSUD SEKARWANGI CIBADAK Kabupaten Garut Fax : 0260-554745 Branch Office
Jl. Siliwangi No. 49 Telp : (0262) 2458691
Kota Sukabumi Fax : (0262) 2458689 KALIJATI CABANG TASIKMALAYA
Jl. Raya Tugu Selatan Jl. Mayor Utarya No.30
Corporate Social
LEMBUR SITU SAMARANG Desa Kalijati Timur, Kec. Kalijati Tasikmalaya - 46113
Responsibility
Jl. Palabuhan II Km.7, Jl.raya samarang no.77 RT02/07 desa Kab. Subang Phone : 0265-321900
Kec. Lembur Situ, Kab. Sukabumi samarang kec.samarang kab.garut Phone : 0260-463228 322311,332102
Fax :0260-463229 fax : 0265-334380,331433
PARUNG KUDA WANARAJA telex : 28121 BPDTSM IA
Jl.Raya Parung Kuda RT 09/04 Kec.Parung Jl.raya wanaraja kp. Cimalaka RT03/05 CIASEM
Kuda Kab.Sukabumi desa wanaraja kec.wanaraja kab.garut Jl. A. Yani - Rawasari RT.014/007 KANTOR CABANG PEMBANTU
Telp 0266-531922 Desa Sukamandijaya SUB Branch Office
KANTOR KAS Kecamatan Ciasem
KK Waroeng bjb Cikole Sukabumi Cash Office Kab. Subang RAJAPOLAH
Consolidated
Jl. RA Kosasih No.78 RT 01/05 Sukabumi Telp : (0260) 532494 Komp.Ruko Rajapolah Permai
RSUD Dr. Slamet Garut Fax : (0260) 523480 Kec. Rajapolah-Tasikmalaya
TITIK PEMBAYARAN Jl. Rumah Sakit No. 12 Phone : 0265-420567
Payment Point Blok Rumah Sakit, Kel. Sukajaya JALAN CAGAK Fax : 0265 - 421348
Kec. Tarogong Kidul, Kab. Garut Desa Jalancagak
KPP Pratama Sukabumi Phone : 0262-242475 Kecamatan Jalancagak PASAR CIAWI
Jl. RE Martadinata No.7 Fax : (0262) 242475 Kab. Subang Jl. Pelita I Pasar Baru Ciawi
Telp. 0266-221542 Telp : (0260) 472371 Desa Pakemitan, Kec. Ciawi
Yantap Garut Fax : (0260) 472371 Kab. Tasikmalaya 46156
Samsat Wilayah Sukabumi Jl. Patriot, Blok Patriot, Desa Sukagalih Phone : 0265-24610300,
Corporate Data
Kec.Tarogong Kidul, Kab.Garut PAGADEN Fax : 0265-24610400

Samsat Wilayah kab. Sukabumi Phone: 0262-540258 Jl. Ahmad Yani No. 174, Kampung
Cibadak Fax : (0262) 540258 Lengkong RT/RW 02/01, MANONJAYA
Desa Pagaden, Kec. Pagaden Baru, Kab. Jl. R.T.A Prawira Adiningrat
KANTOR CABANG DISHUB GARUT Subang Pasar Kulon RT.03/03, Desa Manonjaya
Branch Office Jl.Merdeka No.230 Kel.Haurpanggung Telp : 0260-451958 Kec. Manonjaya, Kab. Tasikmalaya 46197
Kec.Tarogong Kidul Kab.Garut Fax : 0260-451958 Telp : (0265) 380003
CABANG GARUT Fax: (0265) 380801
Jl. Jend. A.Yani No.38 KK Waroeng bjb Bayongbong PEMDA SUBANG
Kab. Garut - 44117 Jl..Raya Bayongbong km 13 Garut Jl. Dewi Sartika No. 2 KARANGNUNGGAL
Phone : 0262-231924,232738 Kab. Subang Jl. Simpang Desa Simpang
Fax : 0262-231228, 243310 KK Waroeng bjb Bungbulang Telp : (0260) 415985 Desa Simpang, Kec. Bantarkalong
telex : 28157 BPDGRT IA Jl.Raya Bungbulang blok Lumbung kp Fax : (0260) 415986 Kab. Tasikmalaya 46187
Darusallam Telp : (0265) 581234,580800
Kec.Bungbulang Fax : (0265) 580500
633
CIKURUBUK KANTOR CABANG KANTOR CABANG KANTOR CABANG PEMBANTU

Jl. AH. Witono No.36 Branch Office Branch Office SUB Branch Office
Komp. Pasar Cikurubuk
Kel. Tugujaya, Kec. Cihideung CABANG MAJALENGKA CABANG CIAMIS KRAMATJATI
Kota Tasikmalaya 46126 Jl.K.H.Abdul Halim No.224 Jl. Jend.Sudirman No.71 Jl. Raya Bogor No. 1
Telp : (0265) 344396 Kab. Majalengka - 45418 Kab. Ciamis - 46211 Kec. Kramatjati, Jakarta Timur
Fax : (0265) 344720 Phone : 0233-281105,281213 Phone : 0265-772843,771156, Telp. 021-80886717
281614,281156 771629 Fax : 021-80886657
MITRA BATIK fax : 0233-281710, 281151 fax : 0265-773189, 777871
Jl. Mitra Batik No. 61 C Telex : 28795BPDMJL IA telex : 28950 BPDCMS IA TANAH ABANG
Kec. Cipedes, Kota Tasikmalaya Jl. KH. Mas Mansyur No. 5
Telp : 0265-314993 KANTOR CABANG PEMBANTU KANTOR CABANG PEMBANTU Kec. Tanah Abang - Jakarta Pusat
Fax : 0265-314993 SUB Branch Office SUB Branch Office Telp. 021-3928024
Fax : 021-3928025
CIPATUJAH KADIPATEN RANCAH
Jalan Wisata Pantai Cipatujah Desa Jl. Raya Timur No.45 Jl. Kawunglarang No. 6 JATINEGARA
Pasanggrahan Kec. Kadipaten, Kab. Majalengka-45452 Desa Rancah, Kec. Rancah, Kab. Ciamis Komplek Perkantoran Mitra Matraman
Kec. Cipatujah, Kab. Tasikmalaya Phone : 0233-661268 Phone : 0265-2732422,2732421 Blok A2 Kavling No. 5
Telp : 0265-7060078 Fax : 0233-661144 Fax :0265-2732421 Jl. Matraman Raya No. 148 - Jakarta
Fax : 0265-7060010 Timur
CIKIJING PANUMBANGAN Phone: 021-85918048
BPPT TASIKMALAYA Jl. K.H Abdul Fatah No. 49 Jl. Raya Panumbangan No. 242 Fax : 021-85918049
Jl. Ir. H Djuanda No. 88 Kec. Cikijing, Kab. Majalengka Desa Panumbangan, Kec. Panumbangan
Kecamatan Indihiang Tasikmalaya Phone : 0233-318401,318402 Kab. Ciamis PASAR BARU
Telp : 0265-342440 Fax : 0233-319695 Phone :0265-2460900 Jl. Pintu Air No. 45B
Fax : 0265-314287 Fax :0265-2460800 Pasar Baru, Jakarta Pusat
RAJAGALUH Telp : (021) 3505573,3526900
HZ MUSTOFA Jl. Pangeran Muhammad No. 26 SINDANGKASIH Fax : (021) 3526900
Jl. KHZ Mustofa No. 150 Kec. Rajagaluh-45472 Blok Pengkolan, Desa Sindangkasih
Kec. Cihideung, Kota Tasikmalaya Kab. Majalengka Kec. Sindangkasih, Kab. Ciamis CEMPAKA MAS
Telp : 0265-320164 Telp. 0233-511227,511226 Telp :0265-310502 Mega Grosir Cempaka MasBlok FI-F2
Fax : 0265-320174 Fax. 0233-511228 Fax :0265-338001 Jl. Letjen. Suprapto No. 1
Kotamadya Jakarta Pusat
INDIHIANG JATIWANGI KAWALI Phone: 021- 42884568
Blok Pasarkaler, Kel.Sirnagalih, Kec. Jl. A. Yani No. 15 Ds.Kawali Mukti,Kec.Kawali Kab.Ciamis Fax : 021- 42884104
Indihiang Kota Tasikmalaya Blok Jum’at, Desa Cibolerang
Tlp. 0265-320891 Kec. Jatiwangi, Kab. Majalengka KANTOR KAS BENDUNGAN HILIR
Telp :0233-8886637, 8886638 Cash Office Jl. Bendungan Hilir Raya No. 92
KANTOR KAS Fax :0233-8886636 RT. 005 RW 002, Kec. Tanah Abang
Cash Office RSUD Ciamis Jakarta Pusat
JATITUJUH Jl. Rumah Sakit No.76 Telp : 021-57951965
RSU TASIKMALAYA RT. 001/RW.001, Blok Jum’at, Desa Kab. Ciamis Fax : 021-57951949
Jl. Rumah Sakit Umum No.33 Jatitujuh, Kec. Jatitujuh, Kab. Majalengka Phone : 0265 - 774775
Tasikmalaya - 46112 Fax : 0265 - 774766 CIKINI
Phone : 0265-328888 KANTOR KAS Ruko Central Cikini
Fax : 0265-328888 Cash Office KK Waroeng bjb Cihaurbeuti Jl. Cikini Raya No. 58 CD
Dusun Desa Kaler RT/RW 02/01 Desa Jakarta Pusat
PEMKOT TASIKMALAYA UNMA (UNIVERSITAS MAJALENGKA) Cihaurbeuti Telp : 021-31908636, 31908637
Jl. K.H. Abdul Halim No. 103 Kec. Cihaurbeuti Kab. Ciamis Fax : 021-31908638
PEMKAB TASIKMALAYA Kab. Majalengka
Tlp. 0233-8286612 KK Waroeng bjb Panumbangan RAWASARI
PAGER AGEUNG Fax : 0233-8286612 Jl. Raya Tasik-Panjalu No. 10 RT/RW 03/04 Jl. Rawasari Selatan No. E/5
Jl.Raya Pager Ageung No.77 Kabupaten Ds. Sindangherang Kec. Cempaka Putih, Jakarta Pusat
Tasikmalaya KK Sumberjaya Kp. Warudoyong Kec. Panumbangan Telp : 021-42889926
Jl.Cirebon Kadipaten Prapatan Kec, Fax : 021-42889875
KK Waroeng bjb Mangkubumi Sumberjaya Kab. Majalengka KK Waroeng bjb Panjalu
Jl.AH Nasution No.222 Mangkubumi- Jl.raya panjalu no.4 dusun pabuaran RT/ SENEN
Tasikmalaya KK RSUD Cideres RW 05/03 Jl.senen raya No.58 Kec.Senen Jakarta
RSUD Cideres Ds.Cipaku Kec.Kadipaten Desa panjalu Kec.Panjalu Kab.Ciamis Pusat
KK Waroeng bjb Purbaratu Kab.Majalengka
Jl.Purbaratu Kp.Cihajikaler RT/RW 002/013 TLP 0233-663772 KK Waroeng bjb Pasar Manis Ciamis MNC
Kel.Sukanagara Purbaratu-Tasikmalaya Komplek Ruko Pasar Manis No. 42 MNC Plaza Jl.Kebon Sirih No.17-19 Lantai
KK Bantarujeg Podium 1 Unit P1-19 dan Unit P1-13B
TITIK PEMBAYARAN Jl.sudirman no.23 ds.bantarujeg kec. TITIK PEMBAYARAN jakarta Pusat
Payment Point bantarujeg kab.majalengka Payment Point Telp: 021-3912987
Fax: 021-3918160
BPPT TASIKMALAYA KK Waroeng bjb kec.maja Samsat Wilayah Kabupaten Ciamis I
Jl. Ir. H. Juanda No. 88 Jl.Raya Maja Utara RT 01/03 Ds.Maja Utara MENTENG
Kota Tasikmalaya Kec.Maja Kab.Majalengka KANTOR CABANG Plaza Menteng Jl.HOS Cokroaminoto
Telp : 0265-320480 Branch Office No.79 Jakarta Pusat
KK Waroeng bjb Abdul Halim Telp: 021-3907613/021-3904637
Samsat Wilayah kota Tasikmalaya Jl.Cicenang Jatiwangi Desa Cicenang Kec. CABANG JAKARTA Fax: 021-3155148
Cigasong Bank DEVISA
Samsat Wilayah Kabupaten Kab.Majalengka Jl.Jend.Sudirman Kav.2 CIDENG
Tasikmalaya Gedung Arthaloka Lt.Dasar & Lt.4 Jl.Cideng Timur No.87A Kec.Gambir
TITIK PEMBAYARAN Jakarta Pusat Jakarta Pusat
Payment Point Phone : 021-2511448, 2511449 Telp: 021-3524791
Fax : 021-2511450,2514415 Fax: 021-3514413
Samsat Wilayah Kab. Majalengka
634
PLAZA SEMANGGI KANTOR KAS PEMKAB INDRAMAYU KK Waroeng bjb pasar kec.Lohbener
The Plaza Semanggi Lt.1 Unit L1/064 Cash Office Jalan Mayjen Soetoyo No. 7E Jl.Desa Lohbener RT?RW 003/008
Jl.Jend.Sudirman kav.50 RT 005/004 Kel. Kec. Indramayu, Kab. Indramayu Kec.Lohbener kab.indramayu
Karet Semanggi Kec.Setiabudi Jakarta PELABUHAN Phone : 0234-274274
Telp:021-25536648 Jl. Perniagaan No.4 Fax : 0234-272965 KK Waroeng bjb kec.kandanghaur
Fax: 021-25536386 Cirebon -45112 Jl.Raya Kandanghaur RT/RW 001/006
Phone : 0231-205002, 204809 TERISI Ds.Parean Girang
KANTOR KAS Fax : 0231-205002 Jl. Raya Karangasem No. 2 Kec.Kandanghaur Kab.Indramayu
Cash Office Desa Karangasem, Kec. Cikedung
RSU GUNUNG JATI Kab. Indramayu KK Waroeng bjb Karang malang
TMII Jl. Kesambi No.56 Phone : 0234-5508443 Indramayu
Komp. Perkantoran PT. Jasa Marga Cirebon-45134 Fax : 0234-5508444 Komplek Pasar Baru Desa Karangmalang
Cabang Jagorawi Phone : 0231-230225 Indramayu
Jl. Raya Taman Mini Fax : 0231-230225 KARANGSINOM
Introduction
Jakarta Timur Jl. Blok I RT. 02 RW. 02 Desa Karanganyar TITIK PEMBAYARAN
Phone : 021-8401183 DPPKD CIREBON Kecamatan Kedanghaur Payment Point
Fax : 021-8401182 Jl. Pengampon No. 4 Kabupaten Indramayu
Kota Cirebon Phone : 0234-5508968 SAMSAT INDRAMAYU I
AMBASADOR Fax : 0234-5508977 Jl. Gatot Subroto
Jl. Prof.Doktor Satrio Casablanca Kuningan UNSWAGATI Kabupaten Indramayu
Jakarta Selatan BANGKIR
MAJASEM Jl. Raya Bankir Desa Rambatan Kulon SAMSAT INDRAMAYU II HAURGEULIS
SABANG Jl.Perjuangan Kav.4 RT 02/05 Kec.Kesambi Kecamatan Lobener Kabupaten Indramayu Jl. Jend. Sudirman, Haurgeulis
Jl. H Agus Salim No. 19 Sabang Jakarta Kota Cirebon Kabupaten Indramayu
Performance
Pusat Telp.0231-485028 KANTOR KAS
Cash Office Universitas Wiralodra Indramayu
KANTOR CABANG PP Samsat Wilayah Kota Cirebon (UNWIR)
Branch Office SUKRA Jl. Ir. H. Juanda KM. 3, Rt. 01/06,
KK Waroeng bjb Kanggraksan Jl. Raya Sukra Kabupaten Indramayu Karanganyar,
CABANG CIREBON Jl.Kanggraksan No.32 RT/RW 02/01 Kabupaten Indramayu
Jl. Siliwangi No.30 Kec.Harjamukti Cirebon KERTASEMAYA
Cirebon - 45123 Tlp: 0231-481220 Fax. 0231-481208 Blok Pasar Kel.Tulungagung Kertasemaya KPP Pratama Kabupaten Indramayu
Phone : 0231-202584,201585 Kab. Indramayu Jl. Jend. Gatot Subroto, Kabupaten
Good Corporate
Governance
Fax : 0231-201583,239974 TITIK PEMBAYARAN Indramayu
Telex : 28319 BPDCBN IA Payment Point ERETAN
Jl.Raya Eretan Wetan Kandanghaur KANTOR CABANG
KANTOR CABANG PEMBANTU PP Samsat Grage Mall Cirebon Kabupaten Indramayu Branch Office
SUB Branch Office Grage Mall Cirebon
Jl. Tentara Pelajar No 1, Kota Cirebon RSUD INDRAMAYU CABANG KUNINGAN
HARJAMUKTI PP Samsat Wilayah Kota Cirebon Jl.Murahnara No.7 Kabupaten Indramayu Jl. Siliwangi
Jl. Jend Sudirman, Blok IA No 20-21 Cigembang-Kab. Kuningan 45511
Kanggraksan , Pasar Harjamukti KANTOR CABANG BONGAS Phone : 0232-871273,871562, 872303,
Corporate Social
Cirebon Branch Office Desa Margamulya RT 15/04 Bongas-Kab. 873048
Responsibility
Telp. 0231-488469,488468 Indramayu fax : 0232-871961
Fax. 0231-4888467 CABANG INDRAMAYU telex : 28143 BPDKN IA
Jl. Jend. Sudirman No. 106 KARANGSONG
PERUMNAS CIREBON Kab. Indramayu Jl.Karangsong – Kab.Indramayu KANTOR CABANG PEMBANTU
Jl. Gunung Ciremai Raya No. 104 Phone : 0234-272344,271046, 272215 SUB Branch Office
RT/RW 003/001, Fax : 0234-271415, 272291 LELEA
Kel. Larangan, Kec. Harjamukti telex 28156 BPDIM IA Jl.Raya Lelea- Kab.Indramayu CILIMUS
Kota Cirebon Telp: 0234-5745407 Jl.Raya Cilimus No.72
KANTOR CABANG PEMBANTU Kec. Cilimus - Kab. Kuningan
Consolidated
GUNUNGSARI SUB Branch Office KK Waroeng bjb kec.sliyeg Phone : 0232-613408,613206
Jl. Dr. Cipto Mangunkusumo No. 1 A Desa Sliyeg Lor RT/RW 002/001 Kec. Sliyeg Fax : 0232- 613243
RT 02/RW 06 Kel. Pekiringan, Kec. JATIBARANG Indramayu
Kesambi Jl. Jend. A. Yani No. 58 RT. 01/RW. 01 Tlp : 0234-355240 Fax : 0234-355240 CIAWIGEBANG
Kota Cirebon Desa/Kec. Jatibarang, Kab. Indramayu Jl. Siliwangi No. 60
Telp. 0231-220341, 220331 Telp : 0234-351343 KK Waroeng bjb kec.juntinyuat Kec. Ciawigebang-Kab. Kuningan
Fax. 0231-220243 Fax : 0234-351343 Jl. Raya Juntinyuat RT/RW 07/03 Kec, Phone : 0232-878846,878749
Juntinyuat Indramayu Fax : 0232- 878845
JAGASATRU PATROL Tlp : 0234-428860 Fax : 0234-428861
Pulasaren Barat RT 05 RW 03, Kel. Jl. Raya Patrol No.13 RT. 007/RW. 003 LURAGUNG
Corporate Data
Pulasaren Desa. Patrol Lor, Kecamatan Patrol KK Waroeng bjb kec.kedokanbunder Jl. Raya Luragung
Kecamatan Pekalipan Kab. Indramayu Jl. Kedokanbunder RT/RW 03/01 Kec. Blok Mesjid Desa, Desa Luragunglandeuh
Kota Cirebon Telp : 0234-610708 Kedokanbunder Indramayu Kec. Luragung, Kab. Kuningan
Fax : 0234-610708 Tlp : 0234-486520 Fax : 0234-486521 Phone: 0232-870069
KESAMBI Facs: 0232-870043
Jl.kesambi raya RT01/09 jabang bayi kel. HAURGEULIS KK Waroeng bjb Anjatan Indramayu
drajat kec.kesambi kota cirebon -45133 Jl. Sudirman No. 15 Desa Anjatan Utara No. 250 Anjatan KANTOR KAS
Tlp : 0231-8304924 Kec. Haurgeulis Indramayu Cash Office
Fax : 0231-8304943 Kab. Indramayu Tlp : 0234-5613424 Fax : 0234-5613425
Phone : 0234-742211 KANTOR KAS CIBINGBIN
PAGONGAN Fax : 0234-742211 KK Waroeng bjb Tukdana Jl. Raya Cibingbin Kabupaten Kuningan.
Jl.karanggetas/pagongan no.64 blok Blok Sukajadi Kohir No. 3781 Desa
d12 Kel.pekalangan Kec.Pekalipan Kota KARANGAMPEL Tukdana Indramayu DARMA
Cirebon Jl. Raya Barat Karangampel Tlp : 0234-356287 Fax : 0234-356288 Jl.Raya Darma Kabupaten Kuningan
Kec. Karangampel, Kab. Indramayu
Phone : 0234-484888 KK Waroeng bjb kec.Kroya RSAI LINGGAJATI
Fax : 0234-484888 Blok Prapatan RT 002/001 Desa Kroya Jl.Raya Cilimus Ds.Bandorasa Kec.Cilimus
Kec.Kroya Kab.Indramayu Kab.Kuningan
635
RSUD 45 KUNINGAN CISOLOK TITIK PEMBAYARAN CILANDAK

Jl.Jendral Sudirman No. 68 Kuningan Jl.Raya Cisolok RT 03/04 Ds.Cikahuripan Payment Point Komp.Ruko H.Madali Jl.Raya Cilandak
Kab. Sukabumi KKO Kec. Jagakarsa, Jakarta Selatan
SILIWANGI-KUNINGAN RSUD Banjar Telp: 021-78830452
Jl.Siliwangi no.42 Kabupaten Kuningan JAMPANG TENGAH Jl. Rumah Sakit 5
Jl. Raya Bojonglopang Ds.Jampang Tengah Kota Banjar PERMATA HIJAU
KK Waroeng bjb kec.kramatmulya Kab.Sukabumi Jl.Arteri Permata Hijau Komp.Grand ITC
Dusun Manis RT 04/02 Ds.Kramat Mulya Samsat Wilayah Kota Banjar Permata Hijau Blok Emerald Persil No.15
Kab.Kuningan KK Jampang Kulon Jakarta Selatan
Jl.Raya Cinagen No.109 Kec.Jampang SAMSAT WILAYAH KAB.CIAMIS II Telp: 021-53663123
KK Waroeng bjb Garawangi Kulon Kab. Sukabumi PANGANDARAN Fax: 021-53663300
Jl.Raya Garawangi Kuningan rt 05/02 TLP 0266-6494180 Jl.Merdeka No.312 Kec.Pangandaran Kab.
Kab.Kuningan Ciamis FATMAWATI 2
KK RSUD Palabuhanratu Jl.Rumah Sakit fatmawati Komp.
KK Waroeng bjb Mandirancan Jl.Ahmad Yani No.2 Kec.Palabuhanratu Ka KANTOR CABANG Pertokoan Duta Mas Blok A1 No.2 Kec.
Jl.Raya Kasab No.50 Mandirancan b.Sukabumi Branch Office Kebayoran Baru Jakarta Selatan
Kab.Kuningan TLP.0266-7160627 Telp: 021-72798717
CABANG KEBAYORAN BARU Fax: 021-72798265
KK Waroeng bjb kec. Luragung TITIK PEMBAYARAN Graha Iskandarsyah Lt. 2
Jl.raya desa luragung tonggoh Payment Point JL. Iskandarsyah Raya no. 66 C MAYESTIK
kec.luragung kab.kuningan (kawasan Kebayoran Baru 12160 - Jakarta Selatan Jl.Kiyai Maja No.51A RT04/01 Kel.Kramat
toserba fajar luragung) BPPT KABUPATEN SUKABUMI Phone : 021-7229777, 7207334 Pela Kec.Kebayoran baru jakarta selatan
Jl. Raya Cibolang Km. 7 Fax : 021-7206990, 7209941 Telp: 021-7398689
TITIK PEMBAYARAN Kab. Sukabumi
Payment Point KANTOR CABANG PEMBANTU KANTOR KAS
Samsat Wilayah Kab. Sukabumi II SUB Branch Office Cash Office
Samsat Wilayah Kab. Kuningan Pelabuhanratu
PONDOK INDAH BLOK M SQUARE
Payment Point KPP Pratama Kuningan KANTOR CABANG Rukan Plaza 5 Pondok Indah No. B-08 Blok M Square Lt. Upper Ground Unit
Jl. Dewi Sartika No.1 Kuningan Branch Office Jl. Margaguna Raya, Kebayoran Baru AL01 CKS 158 Blok M Jakarta Selatan
Jakarta Selatan
KANTOR CABANG CABANG BANJAR Telp : (021) 72796623, 72796624 TITIK PEMBAYARAN
Branch Office Jl. Letjen Suwarto No. 4 Fax : (021) 7392269 Payment Point
Kel. Hegarsari, Kec. Pataruman, Kota
CABANG PALABUHANRATU Banjar FATMAWATI PP Kantor Samsat Jakarta Selatan
Jl. Siliwangi No. 41 Phone : 0265-745987, 745990,745427 Jl. Rumah Sakit Fatmawati No. 52 Polda Metro Jaya
Palabuhanratu 43364, Kab. Sukabumi Fax : 0265-741780, 745988 Cilandak, Jakarta Selatan Jl. Jend. Sudirman No. 55, Jakarta Selatan
Phone : 0266-431188,434347 Telp : (021) 75914558, 75914557
Fax : 0266-431459 KANTOR CABANG PEMBANTU Fax : (021) 75914559 KANTOR CABANG
SUB Branch Office Branch Office
KANTOR CABANG PEMBANTU PASAR MINGGU
SUB Branch Office PANGANDARAN Jl. Raya Pasar Minggu Km. 17 No. 11A CABANG PADALARANG
Jl. Merdeka No.312 Kalibata, Jakarta Selatan Jl. Raya Purwakarta No. 75
SURADE Kec. Pangandaran, Kab. Ciamis Telp : (021) 7945329, 7902582 Blok Sindang Palay - Ds Kertamulya
Jl. Raya Surade Kota Phone : 0265-630883 Fax : (021) 79191360 Kab. Bandung Barat
Kabupaten Sukabumi Fax : 0265-631280 Phone : 022-6805493, 6809731, 6809730
Telp. 0266-490863 KEBAYORAN LAMA Fax : 022-6805494
Fax.0266-493654 LANGENSARI Jl. Ciledug Raya No. 24 Cipulir
Ruko No. 3 Depan Pasar Langensari Kebayoran Lama KANTOR CABANG PEMBANTU
SAGARANTEN RT. 02/RW. 03, Kel. Muktisari Jakarta Selatan SUB Branch Office
Jl. Raya Baros Kec. Langensari, Kota Banjar
Kecamatan Sagaranten Telp : 0265-2734144, 2734145 TEBET LEMBANG
Kabupaten Sukabumi Fax :0265-2734146 Jl. Tebet Barat IX 35-B Blok HH No. 35 Jl. Raya Lembang No. 258
Telp : (0266) 6342220/6342221 Kelurahan Tebet Barat, Kecamatan Tebet Kec. Lembang, Kab. Bandung Barat
Fax : (0266) 6342219 BANJARSARI Jakarta Selatan Phone :022-2787208,2787209
Jl. Raya Banjarsari No. 153 Fax : 022-2787208
CISAAT RT. 01/RW. 01, KEMANG
Jl. Raya Caringin, RT. 02/RW. 01 Kec. Banjarsari, Kab. Ciamis Jl.Kemang Raya No.72-J, kel. Bangka Kec. CILILIN
Desa Nagrak, Kec. Cisaat Telp : 0265-652529, 652722 Mampang Prapatan Jakarta Selatan Jl. Raya Cihampelas
Kab. Sukabumi Fax : 0265-652929 Ds. Cihampelas, Kec. Cililin
Phone : 0266-219680 ARTERI PONDOK INDAH Kab. Bandung Barat
Fax :0266-227988 KANTOR KAS Jl.Iskandar Muda No.28 G / Arteri Pondok Phone : 022-86861855
Cash Office Indah Jl.Kebayoran Lama Selatan, Jakarta Fax : 022-86861856
PANGLESERAN Selatan
Jl. Blok Pangleseran PATROMAN Telp: 021-7292896 CIKALONG WETAN
Desa Sirnaresmi Jl.Stadion Patroman Kav.III Kota Banjar Fax: 0217238650 Jl. Raya Cikalong Wetan
Kecamatan Gunungguruh Dusun Warungjati, Desa Ciptagumati
Kabupaten Sukabumi CIJULANG DARMAWANGSA Kec. Cikalong Wetan
Phone : 0266-6324542 JL.Raya Cijulang No.274-Pangandaran Jl.Dharmawangsa VI No.23 RT05/001 Kec. Kab. Bandung Barat
Fax :0266-6324532 Kab.Ciamis Kebayoran Baru Jakarta Selatan Phone : 022-6971449
Telp: 021-72780545 Fax : 022-6971449
KANTOR KAS PAMARICAN Fax: 021-72788312
Cash Office Jl.Raya Pamarican No.480 RT01/RW01
Kec.Pamarican Kab.Ciamis
WARUNGKIARA
Kecamatan Cikembang Kabupaten
Sukabumi.
636
BATUJAJAR KANTOR CABANG CIHAMPELAS KANTOR CABANG PEMBANTU
Jl.Raya Batujajar No.323 Desa Galanggang Branch Office Jl. Cihampelas No. 119 A SUB Branch Office
Kec.Batujajar Kab.Bandung Barat Kota Bandung
Telp : (022) 6867476,6865200 CABANG SURABAYA Telp : (022) 2035644 WERU
Fax : (022) 6867476 Jl. Raya Darmo No. 87 Fax : (022) 2035843 Jl. Otto Iskandardinata No. 18
Surabaya, Jawa Timur Desa Tegalsari, Kec. Weru, Kab. Cirebon
SINDANGKERTA Phone : 031-5677800, 5665600 SETIABUDI Phone : 0231-322788
Jl.raya sindangkerta Kel.cintakarya kec. Fax : 031-5610887 Jl. Doktor Setiabudi No. 169 E Fax : 0231-322789
sindangkerta kab.bandung barat Kota Bandung
KANTOR CABANG PEMBANTU Telp : 022-2021069, 2009813 CILEDUG
CIPATAT SUB Branch Office Fax : 022-2021682 Jl. Merdeka Utara No. 93
Jl.raya rajamandala no.389 RT04/12 Kab. Kec. Ciledug, Kab. Cirebon
Bandung barat SIDOARJO PASIRKALIKI Phone : 0231-664666
Telp. 022-6903664 Jl. Djenggolo No. 55 B Jl.Pasirkaliki No.205 Kota Bandung Fax. 0231-664755
Introduction
Kab. Sidoarjo, Jawa Timur Telp: 022 82066556/ 022 82066557
KANTOR KAS Telp : (031) 8066473, 8066474 Fax: 022 82066558 ARJAWINANGUN
Cash Office Fax : (031) 8066472 Jl. By Pass Arjawinangun,
SARIJADI Desa Kebonturi
PEMKAB BANDUNG BARAT GRESIK Jl.Sarijadi blok III no.115 Kota bandung Kec. Arjawinangun,
Gedung Prodomo,Jl.Raya Batujajar Km Jl. Gubernur Suryo A-05 Telp: 022 2012024 Kab. Cirebon
3,5 No.46 Kab. Gresik, Jawa Timur Fax: 022 87775259 Telp. 0231-359205,359189
Fax. 0231-358770
Telp : (031) 3977772, 3977773

RSUD CILILIN Fax : (031) 3977774 KANTOR KAS
Jl.Raya Cililin Padalarang Kabupaten Cash Office LOSARI
Performance
Bandung Barat KLAMPIS Jl. Soekarno Hatta RT 006
Jl.Raya Klampis Jaya, Kelurahan Klampis PARIS VAN JAVA (PVJ) Desa Losari Lor
KK Waroeng bjb Gedobangkong Ngasem, Kecamatan Sukolilo, Surabaya Pusat Perbelanjaan Paris Van Java (PVJ) Kecamatan Losari Kabupaten Cirebon
Jl.Raya Gadobangkong No.113 RT/RW Glamour Level Unit No. GL-B-12
003/003 ATOM Jl. Sukajadi No. 137-139, Kota Bandung LEMAHABANG
Jl.Stasiun Kota Surabaya, Stand BB 23 Phone : 022-82063523 Jl. Pramuka RT 049 RW 13
KK Waroeng bjb Cijenuk dan BB 25 Pasar Atum Mall Lantai 3 Kota Fax : 022-82063702 Desa Cipeujah Wetan Kecamatan
Jl.Cijenuk Kampung Warung Rt/RW 01/01 Surabaya Lemahabang
Desa Cijenuk, CIWALK Kabupaten Cirebon
Good Corporate
Governance
Kec.Cipongkor Kab.Bandung Barat- TROPODO Jl.Cihampelas No.160 Blok FF 02&03 Lt.1
Terminal Cijenuk Jl.Raya Tropodo No.115 Ruko Sentra Bandung TUPAREV
Tropodo A-9 RT 13/01 Desa Tropodo Kec. Telp.022-82062403 Jl. Tuparev, Kukusan Barat I
KK Waroeng bjb Cipeundeuy Kab. Waru Sidoarjo RT 05/RW 03 Desa Pilangsari, Kec.
Bandung Barat BTC Kedawung
Jl.Raya Cirata No.58 RT 02/01 Desa PERAK BTC Fashion Mall Blok CS-F 3 Semi Kabupaten Cirebon
Ciroyom Jl.Perak Timur No.52B Kec.Pabean Basement Bandung Telp. 0231-220585, 220593
Kec.Cipeundeuy Kab.Bandung Barat Cantikan Kel.Perak Timur, Kota Surabaya Fax. 0231-220598
KK Waroeng bjb Ciwaruga
Corporate Social
KK Waroeng bjb Pasar Lembang BUKIT DARMO Jl.Ciwaruga no.20 bandung PALIMANAN
Responsibility
Pasar Lembang Blok Sayap Selatan Komp.Ruko Bukit Darmo Golf Jl.Bukit Blok masjid RT05/02 Desa palimanan timur
Kec.Lembang Kab.bandung Barat (bekas Darmo Boulevard Blok B1-28 Kel. KANTOR CABANG kec.palimanan kab.cirebon
KF waroeng bjb pasar lembang) Kalikendal, Kec.Dukuh Pakis, Kota Branch Office Telp: 0231-202584,201585
Surabaya Fax: 0231-201583,239974
KK Waroeng bjb Cihampelas - CABANG SEMARANG
Padalarang (Eks KK Cililin) KANTOR KAS Jl. Ahmad Yani No. 149 KANTOR KAS
Jl. Raya Cihampelas Kec Cililin ds Cash Office Semarang, Jawa Tengah Cash Office
Cihampelas Telp : 024-8419601,8419602,8419603
Kec. Cililin Kab. Bandung barat (gedung TUNJUNGAN Fax :024-8419604 ARJAWINANGUN
Consolidated
kcp cililin yang lama) TEC (tunjungan Electronic Center) Jl. Jl.Pahlawan No.38
Tunjungan 5-7 Surabaya KANTOR CABANG PEMBANTU Kab.Cirebon
KK Waroeng bjb Ciburuy SUB Branch Office
Jl.Andir RT/RW 03/015 Padalarang KANTOR CABANG RS PARU SIDAWANGI
(samping telkom padalarang) Branch Office UNGARAN
Jl. Gatot Subroto No. 77 Ruko No. 5, RSUD WALED
TITIK PEMBAYARAN CABANG SUKAJADI Ungaran Jl. Kesehatan No.4 Kecamatan Waled
Payment Point Bank DEVISA Kabupaten Semarang Kabupaten Cirebon.
Jl. Sukajadi No. 216 Telp : 024-6925006
Samsat Pemkab Bandung Barat Kota Bandung 40161 Fax : 024-6921154 KK Dispenda Kab. Cirebon
Corporate Data
Telp : 022-2042538, 2041042 Jl.Sunan Kalijaga no 10 Sumber

SAMSAT PADALARANG Fax : 022-2042744, 2042728 KANTOR CABANG Kabupaten Cirebon (Komplek dispenda
Jl. Raya Cimareme No.203 Padalarang Branch Office kabupaten Cirebon)
40553 KANTOR CABANG PEMBANTU
SUB Branch Office CABANG SUMBER KK Waroeng bjb Pasar Arjawinangun
SAMSAT LEMBANG Jl. Sultan Agung No. 3 Jl. Nyi Mas Gandasari no.20 Arjawinangun
Pasar Panorama Lembang Blok Sayap PASTEUR Blok Pon, Kel. Sumber, Kec. Sumber Kab.Cirebon
Selatan Kec.Lembang Kab Bandung Barat Jl. Surya Sumantri No. 37 Kab. Cirebon - 45611
Kota Bandung Phone : 0231-322426,325586, 325587 KK Waroeng bjb kec. Gebang
Phone : 022-2020875 Fax : 0231-322425 Jl.P.Sutajaya No.369 Gebang Udik
Fax : 022-2020876 Kab.Cirebon
637
TITIK PEMBAYARAN KANTOR KAS TITIK PEMBAYARAN MTC

Payment Point Cash Office Payment Point Komplek Pertokoan Metro Trade
Center (MTC) Blok D No. 22
Samsat Wilayah Kab. Cirebon I ITC MANGGA DUA PP Kantor Samsat Serpong Jl. Soekarno Hatta, Kota Bandung
Sumber ITC Mangga Dua Lantai I/D.64 Jakarta Jl. Serpong Sektor VIII Blok 403 No. 4 Telp : (022) 7535536
Utara BSD - Kota Tangerang Selatan Fax : (022) 7535620
Samsat Wilayah Kab. Cirebon II
Ciledug BOULEVARD PP Bidex CINUNUK
Jl.Boulevard Raya Blok TN 2 No.29 Kelapa Ruko Bidex Blok F No. 19-20 Jl.Raya Jl. Raya Cinunuk No. 122
KANTOR CABANG Gading-Jakarta Utara Serpong Kota Tangerang Selatan Rt. 04/Rw. 14, Desa Cinunuk, Kec.
Branch Office Cileunyi
GLODOK PP BP2T Kab. Bandung
CABANG MANGGA DUA Ruko Glodok Plaza Blok H.20 Kel. Gedung Badan Pelayanan Perijinan Telp : 022-7816772
Gedung Masterina Tamansari JakBar Terpadu Jl.Raya Serpong Km.12 Komplek Fax : 022-7816772
Jl. Mangga Dua Raya Blok F1 No. 1-3 BLK Serpong
Jakarta Pusat KANTOR CABANG DERWATI
Telp : 021-62204094, Branch Office KANTOR CABANG Jl. Blok Babakan Karet
62204095,62204096 Branch Office Kel. Derwati, Kec. Rancasari
Fax : 021-62204093 CABANG BSD Kota Bandung
Jl. Letnan Sutopo CABANG MEDAN Telp : 022-7514117, 7514120
KANTOR CABANG PEMBANTU Komplek Bumi Serpong Damai (BSD) Jl. Suwondo Parman No. 1 Medan
SUB Branch Office III B-1 Kecamatan Medan Baru, Kota Medan CIWASTRA
Blok E Nomor 01-B Serpong Provinsi Sumatera Utara Perumahan Mustika Hegar Regency Ruko
PLUIT Kota Tangerang Selatan Telp : 061-4539828,4539829,4539830 Timur No.3 Jl.Raya Margacinta No.99 Kel.
Jl. Pluit Sakti Blok A Kaveling No. 7 Telp : 021-5373686 Fax : 061-4539840 margasari Kec.Buah Batu Kota Bandung
Kel. Pluit, Kec. Penjaringan Fax : 021-5373598 Telp: 022 -87798212
Jakarta Utara KANTOR KAS Fax: 022 -87798214
KANTOR CABANG PEMBANTU Cash Office
KELAPA GADING SUB Branch Office BKR
Komplek Rukan Kelapa Gading Square UNPRI Jl.BKR No.124B Kel.Cigereleng Kec.Regol
Jl. Boulevard Barat Blok C No. 8 PAMULANG (LAMA CIPUTAT) Klinik Gigi dan Mulut Universitas Prima Bandung 40253
Jakarta Utara Jl. Siliwangi Blok SH 22 No.1 (UNPRI) Jl.Pabrik tenun No.113 Kota Telp: 022 -5228768
Kec. Pamulang - Kota Tangerang Selatan Medan Fax: 022 -5228770
TANJUNG PRIOK Phone : 021-74709344
Komplek Ruko Enggano Megah Yanjung Fax. 021-74713572 KANTOR CABANG BURANGRANG
Priok Branch Office Jl.Lodaya No.16C Kel.Burangrang Kec.
Jl. Enggano Blok C, Kaveling No. 11-S CIPUTAT Lengkong Kota bandung
Kel. Tanjung Priok, Kec. Tanjung Priok Jalan IR. H. Djuanda No. 34 Desa CABANG BATAM Telp: 022 -7302209
Kotamadya Jakarta Utara Cempaka Putih Kompleks Sulaiman Plaza Blok A Nomor Fax: 022- 7301911
Telp. 021-43900433 Kecamatan Ciputat Kota Tangerang 8-9
Fax. 021-43900433 Selatan Kecamatan Lubuk Baja, Kota Batam GATOT SUBROTO
Provinsi Kepulauan Riau Jl.gatot subroto No.243 Kota Bandung
SUNTER BINTARO Telp : 0778-427631, 422323 Telp: 022 -7309701
Jl. Griya Utama Blok A, Kavling No. 33 Komplek Ruko Bintaro Jaya Fax : 0778-424526 Fax: 022 -7306509
Kel. Sunter Agung, Kec. Tanjung Priok, Jalan Kavling Blok 3A/A, No. 2,3 dan 3A
Kota Jakarta Utara Kota Tangerang Selatan KANTOR CABANG KANTOR KAS
Telp. 021-6517420 Branch Office Cash Office
Fax. 021-65307581 CIREUNDEU
Jl. Cireundeu Raya No.66B Kel.Pisangan CABANG BUAH BATU-CABANG KK Waroeng bjb Pungkur Bandung
HAYAM WURUK Timur Kec.Ciputat Timur Kota tangerang DEVISA Jl.Pungkur 228 Bandung (Lokasi KF
Jl.Hayam Wuruk Persil no.110 RT03/009 Selatan Jl. Buahbatu No.254 Waroeng Pungkur saat ini)
Kec.Taman Sari Jakarta Barat Kota Bandung
Telp. 021-72788312 SERPONG Phone : 022-7304586, 7309547 KK Waroeng bjb Ibrahim Adjie
Fax. 021-62308824 Jl. Serpong Raya No88 A Serpong Fax : 022-7307489, 7309546 Bandung
Tangerang Selatan JL.Ibrahim Adjie no.289 Kel.Karees
GUNUNG SAHARI KANTOR CABANG PEMBANTU Kec.batununggal Bandung
Jl.Gunung Sahari Raya No.2C Kec.Sawah KANTOR KAS SUB Branch Office
Besar Jakarta Pusat Cash Office KK Waroeng bjb Jl. Sukarno Hatta
Telp. 021-62308835 GEDEBAGE Ruko Graha Panyileukan no.a-6
Fax. 021-62308836 DPPKAD Kota Tangerang Selatan Komplek Pasar Induk Gedebage Jl.soekarno Hatta Bandung
Jl. Winataraharja Los 075
KAPUK Pamulang, Kota Tangerang Selatan Jl.Soekarno Hatta Km 12,5 KANTOR CABANG
Bukit Golf Mediterania Pantai Indah Gedebage - Kota Bandung Branch Office
Kapuk Rukan Crown Golf Hoek Blok KPP Pratama Serpong Telp : 022-7801669
A063 Jakarta Barat Jl. Raya Serpong Sektor 8 Fax : 022-7803909 CABANG MAJALAYA
Telp. 021-29424744 Blok 405 No. 4, BSD Ruko Sentra Niaga Permata Majalaya
Fax. 021-29424743 Serpong, Kota Tangerang Selatan KIARACONDONG Jl. Tengah No. 3 - 6 Majalaya
Jl. Ibrahim Adjie No. 344 B Kab. Bandung
KOTA ITC BSD Kota Bandung Telp : 022- 5953058, 5955747
Jl.Pintu Kecil No.58F Kec.Tambora Jakarta Jl.Pahlawan Seribu Kec.Serpong Utara Telp : (022) 7330453 Fax : 022- 5955747
Barat Kota Tangerang Selatan Fax : (022) 7330466
Telp. 021-6900303
Fax. 021-6900294
638
KANTOR CABANG PEMBANTU KANTOR CABANG KAMAL KANTOR CABANG
SUB Branch Office Branch Office Komp.Taman Mutiara Palem Blok A5 Branch Office
No.16 Kec.Cengkareng jakarta barat
CIPARAY CABANG TEGAL CABANG SURAKARTA
Jl. Raya Laswi No. 845 Jl. Mayor Jenderal Sutoyo No. 32 PURI Jl.Slamet Riyadi No.135-137 Kel.
Desa Manggungharja Kota Tegal, Jawa Tengah Komp.Ruko Sentral Niaga Puri Indah Blok Kemlayan, Kec.Serangan Surakarta
Kecamatan Ciparay Telp : 0283-341701, 341704 T6 No.17 Kec.Kembangan Jakarta Barat Telp : 0271-646467
Kabupaten Bandung Fax : 0283-341708 Telp: 021-58358192 Fax : 0271-646595
Telp: (022) 8596444,8596441 Fax: 021-58358193
Fax : (022) 85961432 KANTOR CABANG PEMBANTU KANTOR CABANG
SUB Branch Office KEDOYA Branch Office
RANCAEKEK Jl.Panjang RT19/10 Kec.Kebon Jeruk Kel.
Jl. Dangdeur Timur BREBES Kedoya Selatan Jakarta Barat BOYOLALI
Dusun Munggang, RT 01/08 Desa Jl. A. Yani No. 65 RT.003/RW 019, Kel. Telp: 021-58303563 Jl.Kates No. 149 RT 03/06 Kec.Boyolali
Introduction
Mekargalih Brebes Kab.Boyolali
Kec. Jatinangor, Kab. Sumedang Kec. Brebes-Kab. Brebes KALIDERES
Telp : 022-7792678 Komp.Perumahan Citra Tujuh Blok A2 KANTOR CABANG
Fax : 022-7782750 PEKALONGAN No.1 Kec.Kalideres Jakarta Barat Branch Office
JL. K.H.M. Mansyur No. 11 RT.04/RW.01 Telp: 021-29323632
CICALENGKA Kel. Bendan Fax: 021-29323633 CABANG BALARAJA
Jl. Ruko Citoz Kec. Pekalongan Barat - Kota Pekalongan Jl.Kresek Km 0,5 Ruko No.2 Balaraja Kab.
Jalan Raya Barat Alun-Alun TELUK GONG
Tangerang

Cicalengka No. 305, BANJARAN Jl.K No.35 Rt 006/009 Kec.Penjaringan Telp : 021-59450134
Desa Cicalengka Wetan Jakarta Utara
Performance
Jl. Raya Selatan Banjaran No. 10 Fax : 021-5950477
Blok Raya Barat , Kabupaten Bandung Rt. 01/Rw.01 Desa Tembokuwung Telp: 021-6632645
Kec Adiwerna Tegal Fax: 021-6632651 KANTOR CABANG PEMBANTU
KANTOR KAS SUB Branch Office
Cash Office KANTOR KAS SEASON CITY
Cash Office Jl.Prof.Dr.Latumenten Blok D No.2 Kec. CIKUPA
RSUD Cicalengka Tambora Jakarta Barat Komplek Ruko Tata Niaga Mas No. A.15
Jl. Darham No. 35 IBC PEKALONGAN Telp: 021-63870356/021-63810357 Kecamatan Cikupa, Kabupaten
Kp. Cikopo, Desa Tenjolaya Jl.A.Yani No.573 IBC Kios blok F-01 dan Tangerang
Kec. Cicalengka Kab. Bandung F18 Kab.Pekalongan MERUYA Propinsi Banten
Good Corporate
Governance
Telp : 022-7951937 Komp.Pertokoan Taman Kebon Jeruk Telp : (021) 59403367, 59403385
Fax : 022-7951937 KANTOR CABANG Blok F No.4 Kec.Kebon Jeruk Jakarta Fax : (021) 59429691
Branch Office Barat
IBUN KCP CURUG
Jl.Raya Majalaya Ibun Ds.Lampegan Kec. CABANG BALIKPAPAN KS TUBUN Jl. PLP Curug Sukabakti Km. 4 No. 10
Ibun Kab. Bandung Jl. Jenderal Sudirman No. 15 RT. 06 Kel. Jl.KS Tubun No.2B Kec.Tanah Abang Curug Kabupaten Tangerang
Damai Jakarta Barat Telp : 021-5988116
PACET Kota Balikpapan, Kalimantan Timur Fax : 021-5988116
Jl.Raya Pacet Kp.Maruyung RT 06/01 Telp : 0542-744712,744758 TOMANG
Corporate Social
Kec.Pacet Kab.Bandung Fax : 0542-744774 Jl.Tanjung Duren Raya No. 84D Kec. KCP PERUMNAS TANGERANG
Responsibility
Grogol Petamburan Jakarta Barat Jl. Mendut Raya Blok N, No. 21
TITIK PEMBAYARAN KANTOR CABANG Telp: 021-5673071 Kabupaten Tangerang
Payment Point Branch Office Fax: 021-56940091 Telp : 021-55657665
Fax : 021-55657664
PP Kantor UPPD Rancaekek CABANG PEKANBARU KANTOR CABANG
Jl. KH. A. Syadili No. 66 Jl. Jenderal Sudirman No. 391 C Branch Office KCP CISAUK
Kec. Rancaekek, Kab. Bandung Kota Pekanbaru Ruko 5 No.15-16 Serpong Garden, Ds
Telp : 0761-849333,849822,849080 CABANG BANDAR LAMPUNG Cibogo, Kec.Cisauk Kab.Tangerang
KANTOR CABANG Fax : 0761-849980, 849331 Jl.Raden Intan No.81A, Kel.Enggal, Kec.
Branch Office
Consolidated
Tanjunga Karang Pusat, Bandar Lampung KCP TIGARAKSA
KANTOR CABANG Telp : 0721-242934/36 Ruko Milenium No.01 Ds.Budimulya Kec.
CABANG DENPASAR Branch Office Fax : 0721-242935, Cikupa Kab.Tangerang
Jl. Jenderal Teuku Umar No. 69
Simpang Enam CABANG HASYIM ASHARI KANTOR CABANG PEMBANTU KCP PASAR KEMIS
Kota Denpasar, Prov. Bali (JAKARTA BARAT) SUB Branch Office Ruko Buana Subur Blok A No.7 RT03/01
Telp : 0361-238450, 235276 Jl. K.H. Hasyim Ashari No. 34 Kec. Gambir Kel.Kutajaya, Kec.Pasar Kemis, Kab.
Fax : 0361-225254 Jakarta Pusat BANDAR JAYA Tangerang
Telp : 021-6330676 Jl.Negara RT 04/02 Lingkungan I Kel.
KANTOR KAS Fax : 021-6324430 Yukum Jaya Kec.Terbanggi Besar Kab. KANTOR KAS
Corporate Data
Cash Office Lampung Tengah Cash Office

KANTOR CABANG Tlp: 0725529567
KK Sukawati Branch Office Fax: 0725529565 RSUD BALARAJA
Jl.Raya Sukawati no.72(toko bali) Kel.dan Jl.Rumah Sakit No.88 Ds.Tobat Kec.
Kec.Sukawati Kab.Gianyar 80582 KEBON JERUK KANTOR CABANG Balaraja Kab. Tangerang
Jl. Raya Perjuangan No. 11 Branch Office
KANTOR CABANG Kec. Kebon Jeruk, Kota Jakarta Barat KK Ciputra Hospital
Branch Office Telp : 021- 53670984, 53670983 CABANG PALEMBANG Jl. Citra Raya Boulevard blok V.00/08
Fax : 021-5348765 Jl.Sudirman Km.3,5 Kel.20 Ilir, Kec. Ilir Sek.3.4
CABANG MAKASSAR Timur I, Palembang Kel Mekarbakti Kec. Panongan Kab.
Jl. Jendral Sudirman No. 54 B GREEN VILLE Telp : 0711-311867 Tangerang
Kota Makassar Kepa Duri Raya Blok Y No.15D Kec.Kebon Fax : 0711-311852 Tlp: 021-59409426 Fax: 021-59409426
Telp : 0411-8111883, 8111886 Jeruk Jakarta Barat
Fax : 0411-8111885 Telp: 021-56951692 KK Waroeng bjb Balaraja
Fax: 021-56951694 Jl. Kresek Km 0.5 Ruko No. 2 Balaraja
Kab. Tangerang
639
KK Waroeng bjb Pasar Cikupa KANTOR CABANG KANTOR CABANG BINTARO JAYA
Komp. Ruko Tata Niaga Mas A15 Branch Office Branch Office kebayoran Arcade Blok KA/C3 No.55
Kec. Cikupa Kab. Tangerang Sektor VII Bintaro Jaya Kel.Pondok Jaya
KALIMALANG CABANG S.PARMAN Kec.Pondok Aren Kota Tangerang Selatan
KK Waroeng bjb kec. Kronjo Jl. Inspeksi Kalimalang Jl.Letjen S.Parman Kav.19 RT 014/02 Kec. Telp: 021-74870878
Jl. Balaraja Kronjo kp. Pasirliang Komplek Billy Moon Blok M-I Kaveling Palmerah Jakarta Barat Fax: 021-74870878
Kec. Kronjo Kab. Tangerang No. 3F Telp: 021-53662611
Jakarta Timur Fax: 021-53662615 KANTOR KAS
TITIK PEMBAYARAN Telp : (021) 8643130 Cash Office
Payment Point Fax : (021) 8642987 KANTOR CABANG
Branch Office DPPKAD Kota Tangerang Selatan
DIPENDA KAB.TANGERANG PONDOKGEDE Jl.Raya Pahlawan Kelurahan Cilenggang-
Komp.Perkantoran tigaraksa, dinas Jl. Jatiwaringin No. 76 C JALAN PANJANG Serpong Kota Tangerang Selatan
pendapatan daerah Jl.H.Somawinata Pondokgede, Bekasi Jl.Panjang (Arteri Kelapa Dua) RT01/003
No.1 Tigaraksa Telp : 021-8462851, 84977402 Kec.Kebon Jeruk Jakarta Barat KPP Pratama Serpong
Fax : 021 - 84995274 Telp: 021-53662574 Jl. Raya Serpong Sektor 8
KANTOR CABANG Fax: 021- 53662573 Blok 405 No. 4, BSD
Branch Office KANTOR CABANG PEMBANTU Serpong, Kota Tangerang Selatan
SUB Branch Office POS PENGUMBEN
CABANG BANJARMASIN Jl.Pos Pengumben Raya Komp.Boulevard ITC BSD
Jl.Ahmad Yani Km.3 RT 2 Kel.Kebun KCP CIPINANG RT010/03 Kel.Srengseng Kec.Kembangan Jl.Pahlawan Seribu Kec.Serpong Utara
Bunga, Pertokoan Pasar Beras Induk Cipinang jakarta Barat Kota Tangerang Selatan
Kec.Banjarmasin Timur Kota Banjarmasin Lantai 2 Blok HA No. 6, 7, 8, 25, 26, 27 Telp: 021-5840297
Telp : 0511-3253340 Jakarta Timur Fax: 021-5840315 KANTOR CABANG
Fax : 0511-3253362 Telp : 021-47883289 Branch Office
Fax : 021-47883288 PALMERAH
KANTOR CABANG Jl.Palmerah Utara No.49A Kec.tanah STPDN -JATINANGOR
Branch Office KCP PULOGADUNG Abang Jakarta Pusat Jl. Raya Jatinangor Km.20
Jl. Raya Bekasi Km. 12, Kawasan Industri Telp: 021-53662580 Kec. Jatinangor, Kab. Sumedang
CABANG RASUNA SAID PT. JIEP (Jakarta Industrial Estate Fax: 021-53662579 Phone : 022- 7798029
Jl.Hajjah Rangkayo Rasuna Said Blok X2 Pulogadung) Fax : 022-7798029
Kaveling 6 Jakarta Selatan Pulogadung, Jakarta Timur Blok 8-I KANTOR CABANG
Telp: 021-5228852 Kaveling No. 9 Jakarta Timur Branch Office KANTOR KAS
Fax: 021-5227812. Telp : 021-46800317 Cash Office
Fax : 021-46800284 CABANG BSD
KANTOR CABANG Jl. Letnan Sutopo KK UNPAD
Branch Office KRANGGAN MAS Komplek Bumi Serpong Damai (BSD) Blok Pedca Selatan Kampus Unpad
Pasar Kranggan Blok LT 1/KS/E4 No. 11 III B-1 Jatinangor
MAMPANG dan Blok LT 1/KS/E4 No. 14 Blok E Nomor 01-B Serpong Jl. Raya Bandung-Sumedang Km 21
Jl.Mampang Prapatan Raya No.151 Jl. Kranggan Raya Kec. Jatisampurna Kota Tangerang Selatan Jatinangor 45363
RT003/001 Kec.Panjoran Jakarta Selatan Kabupaten Bekasi Telp : 021-5373686
Telp: 021-7997152 Telp : 021-84591027 Fax : 021-5373598 KANTOR CABANG
Fax: 021-79196411 Fax : 021-84591453 Branch Office
KANTOR CABANG
WIJAYA PONDOK KELAPA Branch Office SINGAPARNA
Jl.Wijaya I No.3 RT07/004 Kec.Kebayoran Jl.Raya Pondok Kelapa RT03/001 Kec. Jl. Raya Timur No.76
Baru Jakarta Selatan Duren Sawit Jakarta Timur PAMULANG Kec. Singaparna - Kab. Tasikmalaya
Telp: 021-7252027 Telp: 021-47868072/021-47861771 Komp.Gedung Pamulang Terrace Blok Phone : 0265-541196,541197
Fax: 021-7252025 Fax: 021-47863209 SH/14 No.3 Kel.Pamulang Barat Kec. Fax : 0265 - 541195
Pamulang Kota Tangerang Selatan
KANTOR CABANG DUREN SAWIT KANTOR KAS
Branch Office Jl.Raden Intan/Jl.RS Jend.Pol.Sukamto CIPUTAT Cash Office
RT02/003 No.9E Kec.Duren Sawit Jakarta Jalan IR. H. Djuanda No. 34 Desa
CABANG SAHARJO Timur Cempaka Putih KK Waroeng bjb Sodonghilir
Jl.Dokter Saharjo No.111 Kec.Tebet Tlp. 021-8622494 Kecamatan Ciputat Kota Tangerang Jl.Raya Sodonghilir Kec.Sodonghilir
Jakarta Selatan Fax. 021-8622628 Selatan Kab.Tasikmalaya
Telp: 021-83794097
Fax: 021-83794099 PRAMUKA BINTARO KK Waroeng bjb Warung Salawu
Jl.Pramuka Raya No.10 RT07/002 Kec. Komplek Ruko Bintaro Jaya Jl.Raya Salawu Kec.Salawu
KANTOR CABANG Cempaka Putih Jakarta Pusat Jalan Kavling Blok 3A/A, No. 2,3 dan 3A Kab.Tasikmalaya
Branch Office Telp: 021-42802250 Kota Tangerang Selatan
Fax: 021-42802014 KK Waroeng bjb Cibalong
DEWI SARTIKA-JAKARTA CIREUNDEU Kp.Cibalong Kec.Cibalong
Jl.Tebet Barat Dalam IV L No.7A RT12/006 PASAR REBO Jl. Cireundeu Raya No.66B Kel.Pisangan Kab.tasikmalaya
Kec.Tebet Jakarta Selatan Jl.TB Simatupang RT07/11 Kec.Pasar Rebo Timur Kec.Ciputat Timur Kota tangerang
Telp: 021-80878155/021-80878149 Jakarta Timur Selatan
Fax: 021-80878153
KLENDER SERPONG
KANTOR CABANG Jl.Wijaya Kusuma Raya Blok 14 Kav.7 Kec. Jl. Serpong Raya No88 A Serpong
Branch Office Duren Sawit Jakarta Timur Tangerang Selatan
CABANG RAWAMANGUN-CABANG ALAM SUTERA

DEVISA Jl.Jalur Sutera 30D/08, Kel.Pakualam Kec.
Jl. Pemuda No. 97 Serpong Utara Kota Tangerang Selatan
Kec. Pulogadung - Jakarta Timur Telp: 021-53129550
Phone : 021-47861771,47868072, Fax: 021-53129551
47868073
Fax : 021 - 47863209
640
Lokasi ATM ATM Locations
Atm Alamat/Address Cabang Induk/Branch Offices
ATM Alfamart Cirarab Jl.Cirarab Raya RT 01/01 Kel.Cirarab Balaraja

ATM Alfamart Legok Jl.Legok RT 02/04 Kel.Babakan Kec.Legok-Tangerang Balaraja
ATM Alfamart Pasar daon Jl.Raya Pasar Daon No.4 RT 01/03 Kel.Daon Kec.Rajeg Tangerang Balaraja
ATM Giant Paramount Kanwil 4 Balaraja
ATM Indomaret Cipondoh Raya Jl. KH. Hasyim Ashari Balaraja
ATM Toserba sabar subur cikupa Jl.Raya Serang Km.15 Balaraja
ATM KCP Cisauk perumahan serpong garden ruko V no.15 & 16 Cisauk Kab. Balaraja
Tangerang
Introduction
ATM KCP Paramount Serpong Ruko Bolsena A28 Paramount Serpong CDB Gading Serpong Balaraja
Tangerang
ATM KCP Pasar Kemis ruko buana subur blok A no.7 jl.raya pasar kemis Km 3,4 kab. Balaraja
tangerang
ATM KCP Tigaraksa Ruko millenium Blok A11 No.01 Tigaraksa Kab.Tangerang Balaraja
ATM KK Cikupa Komp. Ruko tata niaga mas A15 Kec. Cikupa Kab. Tangerang Balaraja
ATM KK Ciputra Hospital Jl.Citra Raya Boulevard blok V.00/08 Sek.3.4 Kel.Mekarbakti Kec. Balaraja
Panongan Kab.tangerang
Performance
ATM KK Kronjo jalan balaraja kronjo kp. Pasirliang kec. Kronjo kab. Tangerang Balaraja
ATM KK RSUD Balaraja Jl.Rumah Sakit No.88 Ds.Tobat Kec.Balaraja Kab. Tangerang Balaraja
ATM KK Waroeng Balaraja Jalan kresek Km 0.5 Ruko No. 2 Balaraja Kab. Tangerang Balaraja
ATM PP Dipenda Kab. Tangerang Komp.Perkantoran tigaraksa, Jl.H.Somawinata No.1 Tigaraksa Balaraja
ATM eWalk Balikpapan Jl.Jendral Sudirman No.47 Balikpapan Kalimantan Timur Balikpapan
ATM KC Balikpapan Jl. Jenderal Sudirman No. 15 RT. 06 Kel. Damai, Kota Balikpapan Balikpapan
Kalimantan Timur
Good Corporate
Governance
ATM Mall Chandra Jl.hayam wuruk-pemuda no.1 tanjung karang pusat bandar Bandar Lampung
lampung
ATM Mall Robinson Jl.Pagar alam-rajabasa tanjung karang pusat bandar lampung Bandar Lampung
ATM KC Lampung Jl. Raden Intan No. 81 A, Kel. Enggal, Kec. Tanjung Karang, Kota Bandar Lampung
Bandar Lampung, Prov. Lampung
ATM KCP Bandar Jaya Jl.Negara RT 04/02 Lingkungan I Kel.Yukum Jaya Kec.Terbanggi Bandar Lampung
Besar Kab.Lampung Tengah
Corporate Social
Responsibility
ATM CPDP Prov. Wil. Kabupaten Ciamis II Jl.Raya Pangandaran Parigi Km.2 Pangandaran Banjar
Pangandaran
ATM Pantai Pangandaran Hotel Nyiur Indah Beach Hotel Jl.Pantai Barat Pananjung no.46 Banjar
pangandaran
ATM Pusat Pertokoan Cijulang Indomaret Cijulang, Jl. Raya Cijulang, Kab. Ciamis Banjar
ATM RSUD Kota Banjar Jl. Rumah Sakit No. 5, Kota Banjar Banjar
ATM Samsat Kota Banjar Halaman Parkir UPPD Wil.XXXIII Banjar, Komp. Perkantoran Banjar
Purwaharja , Jl. Brigjen M. Isa Km. 2, Kota Banjar
Consolidated
ATM Cabang Banjar 2 Jl. Letjen. Suwarto No. 4, Kota Banjar Banjar
ATM KC Banjar Jl. Letjen. Suwarto No. 4, Kota Banjar Banjar
ATM KCP Banjarsari Jl. Raya Banjarsari No. 153, RT. 01/RW. 01, Kec. Banjarsari, Kab. Banjar
Ciamis
ATM KCP Langensari Ruko No. 3 Depan Pasar Langensari, RT. 02/RW. 03, Kel. Muktisari, Banjar
Kec. Langensari, Kota Banjar
ATM KCP Pangandaran Jl. Merdeka No. 312, Kec. Pangandaran, Kab. Ciamis Banjar
Corporate Data
ATM KK Cijulang JL.Raya Cijulang No.274-Pangandaran Kab.Ciamis Banjar

ATM KK Pamarican Jl.Raya Pamarican No.480 RT01/RW01 Kec.Pamarican Kab.Ciamis Banjar
ATM KK Patroman Jl.Stadion Patroman Kav.III Kota Banjar Banjar
ATM Hotel Intl Banjarmasin (HBI) Jl.Ahmad Yani Km 4,5 Banjarmasin Banjarmasin
ATM Kantor Cabang Banjarmasin Jl. A.Yani Km 3,5 Banjarmasin Banjarmasin
ATM Batam Centre Jl.Engku Putri (International Ferry) Batam Centre Kota Batam Batam
ATM Batam City Square (BCS) Jl.Bunga raya, batam Batam
ATM Mega Mall Batam Jl.Engku Putri (International Ferry) Batam Centre Batam
ATM Nagoya Hill Mall Jl.Teuku Umar Nagoya, Batam Kepualauan Riau Lantai 1 Batam
ATM Pasar Mega Legenda Batam Pasar Mega Legenda Kota Batam Batam
ATM RS Aini Jl.Batu Aji II Blok A No.01 KelBuliang Kec.Batu Aji Kota Batam Batam
ATM Sriwijaya JL SRIWIJAYA NO. 3 KAMPUNG PELITA Batam
ATM Top 100 Tembesi - Batu Aji JL LETJEND R SOEPRAPTO LGA NO.5 BATU AJI Batam
641
ATM KC Batam Kompleks Sulaiman Plaza Blok A Nomor 8-9, Kec. Lubuk Baja, Kota Batam
Batam
ATM Alfamart Bintara Jaya Jl.Bintara Raya (Kp.Bojong Rangkong) RT 10/02 Kel.Bintara Kec. Bekasi
Bekasi Barat
ATM Alfamart H. Agus Salim Jl.KH.Agus Salim No.17 Kel.Bekasi Jaya Kec.Bekasi Timur-Bekasi Bekasi
ATM Alfamart Harapan Indah Jl.Flamboyan Raya Blok K1 No.1A&1B RT 08/03 Kel.Pejuang-Kec. Bekasi
Medan Satria
ATM Alfamart Jatiluhur Wibawa Mukti Jl.Wibawa Mukti Raya 2, RT 06/04 Kel.Jatiluhur Kec.Jatiasih Bekasi Bekasi
ATM Alfamart Ketapang Galaxi Jl.Ketapang Blok DD 28 No.1 RT 001/08 Kel.Pekayon Jaya-Kec. Bekasi
Bekasi Selatan
ATM Alfamart Pejuang Raya Jl.Pejuang Raya Blok A No.428-430 Kel.Medan Satria-Kec.Bekasi Bekasi
Barat-Bekasi
ATM Alfamart Pondok Hijau Pondok Hijau Permai Blok E1 No.5-6 RT 03/20 Kel.Pengasinan Kec. Bekasi
Rawa Lumbu-Bekasi
ATM Alfamart Suprapto Setu JL.Suprapto No. 1. RT.001/RW.01. Setu, Bekasi Bekasi
ATM Alfamart Swatantra Jl.Swatantra IV No.9 RT 001/004 Kel.Jatiasih-Kec.Jatiasih Bekasi Bekasi
ATM Alfamart Taman Narogong Jl.Taman Narogong Raya Blok TD No.1 Kel.Pengasinan Kec.Bekasi Bekasi
Timur-Bekasi
ATM Alfamart Telajung Kp.Telajung RT 01/09 Desa Telajung Kec.Cikarang Barat, Bekasi Bekasi
ATM Bekasi Trade Center Jl.HM Joyomartono-Bekasi Bekasi
ATM CPDP Prov. Wil. Kota Bekasi Jl.Lapangan Serbaguna No.8C Bekasi Bekasi
ATM Ervita Medika Bekasi Jl.Raya Narogong Km 7 No.3 Kel.Bojong Menteng Bekasi Bekasi
ATM Grand Mall Jl.Jend.Sudirman -Depan Koramil 01 Bekasi Bekasi
ATM Harapan Indah Club Jl.Raya harapan indah-medan satria bekasi Bekasi
ATM Kemang Pratama Bekasi JL. Pemuda Siliwangi No. 126 Kemang Pratama (Gedung Lincsquare Bekasi
Kemang Pratama)
ATM Km 19 Tol Cikampek Rest Area Km 19 Tol Cikampek Bekasi
ATM Lengkong (Alfamart Bumi Bekasi Baru) Jl.Pramuka Raya Blok 2B RT 001/05 Kel.Pengasinan-Kec.Bekasi Bekasi
Timur
ATM Mega Mall Bekasi Gedung Mega Bekasi Hypermall, Jl. Jend. A. Yani No. 1, Bekasi Bekasi
ATM RSUD Kota Bekasi Jl. Pramuka No. 55, Kota Bekasi Bekasi
ATM SPBU Kalimalang SPBU 34.171.34, Jl. K.H. Noer Ali, Kalimalang, Bekasi Barat Bekasi
ATM Kas Mobil Bekasi Kantor Cabang Bekasi Bekasi
ATM KC Bekasi Jl. Ir. H. Djuanda No.126, Kota Bekasi Bekasi
ATM KC Bekasi 2 Jl.Ir.H.Djuanda No.126 BEKASI Bekasi
ATM KC Bekasi 3 Jl.Ir.H.Djuanda No.126 BEKASI Bekasi
ATM KCP Ahmad Yani Sentra Niaga Kalimalang Blok A7 No. 2, Jalan Ahmad Yani No. 92, Bekasi
Kota Bekasi
ATM KCP Bantargebang Jl. Raya Narogong Km. 11 No. 65, Bantargebang - Bekasi Bekasi
ATM KCP Galaxi Jl. Taman Galaxi Blok A No. 6, Kota Bekasi Bekasi
ATM KCP Jatiasih Jl. Raya Jati Asih No. 27, Ruko SB 5, Jatiasih, Kota Bekasi Bekasi
ATM KCP Kalimas Ruko Kalimas Blok C-21, Jl. Chairil Anwar, Kota Bekasi Bekasi
ATM KCP Kranji Komp. Pertokoan Sentra Kranji Baru No. A - 4, Jl. Bintara Raya No. Bekasi
12, Kranji - Bekasi
ATM KCP Medan Satria Ruko Bulevar Hijau Blok B, C No. 20, Kelurahan Pejuang, Kec. Bekasi
Medan Satria, Kota Bekasi
ATM KCP Wisma Asri Jl.Perjuangan No.8 Wisma Asri, Teluk Pucung, Bekasi Utara Bekasi
ATM Bina Insani Bosowa Jl. KH. Sholeh Iskandar No. 41 Kel. Sukadamai Kec. Tanah Sareal Bogor
Kota Bogor
ATM Bogor Trade Mall Jl. Ir. H. Djuanda No. 68, Kota Bogor Bogor
ATM Bogor Trade World (BTW) Kanwil 2 Bogor
ATM Botani Square Mall Botani Square Bogor. Jalan Pajaran Bogor Bogor
ATM CPDP Prov. Wil. Kota Bogor Jl. Ir. Djuanda No 4 Bogor Bogor
ATM Ekalokasari Plaza ATM Center Ekalokasari Plaza, Jalan Siliwangi No. 123, Kota Bogor Bogor
ATM Giant Padjadjaran Supermarket Giant Pajajaran Bogor, Jl. Raya Pajajaran No. 37, Kota Bogor
Bogor
ATM Giant Taman Yasmin ATM Center Giant Taman Yasmin, Perum Taman Yasmin, Jalan KH. Bogor
R. Abdullah bin Nuh, Kota Bogor
642
ATM Pemkot Bogor Jl. Pemuda No. 31 Kota Bogor Bogor

ATM Plaza Indah Bogor Galery ATM Plaza Indah Bogor R-09, Jl. K.H. Soleh Iskandar Blok Bogor
B-9, Kota Bogor
ATM Plaza Jambu Dua Jl. Jend. A. Yani No. 1, Kota Bogor Bogor
ATM Pusat Grosir Bogor (PGB) Kanwil 2 Bogor
ATM RS PMI Bogor Kanwil 2 Bogor
ATM SPBU Semeru Jl.Dr.Semeru No.67 Bogor Bogor
ATM SPBU Sindang Barang Kanwil 2 Bogor
Introduction
ATM The Jungle Bogor ATM Center The Jungle, Jalan Bogor Nirwana Boulevard, Kota Bogor Bogor
ATM Yogya Junction Dept. Store Jl.Sudirman-Kota Bogor Bogor
ATM KC Bogor 1 Jl. Kapten Muslihat No.11-13, Kota Bogor Bogor
ATM KC Bogor 2 Jl. Kapten Muslihat No.11-13, Kota Bogor Bogor
ATM KCP Pajajaran Jl.Raya pajajaran no.20R Kota Bogor Bogor
ATM KCP Sudirman Jalan Jenderal Sudirman No. 58 C, Kota Bogor Bogor
ATM KCP Surya Kencana Jln Surya Kencana No 21 Bogor Bogor
Performance
ATM KCP Tajur Jl. Raya Tajur No. 126, Kota Bogor Bogor
ATM KCP Tanah Sareal Komp. Ruko Dua Empat No. 8, Jl. Soleh Iskandar, Kel. Kedung Jaya, Bogor
Kec. Tanah Sareal, Kota Bogor
ATM KK Bogor Nirwana Residence ruko Orchard walk blok d-18 Bogor Nirwana Residence Mulyaharja Bogor
Kecamatan Bogor Selatan Kota Bogor
ATM KK Botani Square Botani Square, Jl.Raya Padjajaran LG #3C Kota Bogor Bogor
ATM KK BPN Jl.Ahmad Yani No.41 Kota Bogor Bogor
Good Corporate
ATM KK Empang Jl.Pahlawan Kec.Bogor Selatan Kota Bogor Bogor
Governance
ATM Alfamart Kampung Pinang Jl Pinang Raya No. 5 RT.001/014 Pamulang Tang Selatan BSD
ATM Alfamart Parigi Pondok Aren jl. Parigi, RT. 02, RW. 04, Kelurahan Parigi, Kecamatan Pondok Aren, BSD
Kabupaten Tangerang
ATM Alfamart Raya otista Jl.Raya Otista No.20 RT 03/11 Kel.Ciputat,Kec.Ciputat-Tangerang BSD
ATM Alfamart Rempoa jl. Pahlawan Raya RT.3/4 No. 99A Rempoa BSD
ATM Bhayangkara 2 (Indomaret Jalur Sutera) Jl. Bhayangkara 2 BSD BSD
Corporate Social
Responsibility
ATM BSD Plaza Jl. Raya Serpong Sektor IV, Bumi Serpong Damai (BSD), Kab. BSD
Tangerang
ATM CPDP Ciputat Jl. RE Martadinata No.10 Ciputat BSD
ATM Giant Alam Sutera Kanwil 4 BSD
ATM IMC Jombang Jln. Raya Jombang Tangerang BSD
ATM Indomaret Pagedangan Jl. Pagedangan Kota Tangerang Selatan BSD
ATM Indomaret Pondok Betung Jl. Pondok Betung Kota Tangerang Selatan BSD
ATM Mall Alam Sutera Kanwil 4 BSD
Consolidated
ATM RSUD Tangerang Selatan Jl.Raya Padjajaran No.101 Pamulang-Tangerang Selatan BSD
ATM Teras Kota Jl.Pahlawan Seribu, CBD Lot VII B, Lengkong Gudang, Serpong, BSD BSD
City 15322
ATM UPTD Samsat Kab. Tangerang (Serpong) Dinas Pengelolaan Keuangan & Aset Daerah UPTD Serpong, Jl. BSD
Raya Civic Center Blok 405/5, Bumi Serpong Damai (BSD), Kota
Tangerang Selatan
ATM KC BSD Jl. Letnan Sutopo, Komplek Bumi Serpong Damai (BSD) III B-1, Blok BSD
Corporate Data
E Nomor 01-B Serpong, Tangerang Selatan

ATM KCP Pasar Serpong Jl. Serpong Raya No88 A Serpong Tangerang Selatan BSD
ATM KCP Alam Sutera Jl.Jalur Sutera Blok 30D No.8 Kota Tangerang Selatan BSD
ATM KCP Bintaro Ruko Bintaro Blok 3A/a No. 2-3, Jalan Bintaro Utama Sektor 3A, BSD
Kota Tangerang Selatan
ATM KCP Bintaro Jaya Jl.Boulevard Bintaro Jaya Ruko Kebayoran Arcade Blok C8 No.55 BSD
Sektor VII Bintaro Jaya
ATM KCP Ciputat KCP Ciputat, Jl. Ir. H Juanda No. 34 , Desa Cempaka Putih Kec. BSD
Ciputat, Kota Tangerang Selatan
ATM KCP Cireundeu Jl. Cireundeu Raya No. 66 BSD
ATM KCP Pahlawan seribu Jl.Pahlawan Seribu Blok B No.26 Kota Tangerang Selatan BSD
ATM KCP Pamulang (Lama Ciputat) Jl. Siliwangi Blok SH No. 22 No. 1, Pamulang-Tangerang BSD
ATM KK ITC BSD Jl.Pahlawan Seribu Kec.Serpong Utara Kota Tangerang Selatan BSD
643
ATM Batununggal Buah Batu
ATM Cijagra Bdg SB Mart SB Mart, Jl.Cijagra No.15 Kel.Cijagra Kec.Lengkong Kota Bandung Buah Batu
ATM Griya Buah Batu Jl. Buahbatu No.183-185, Kota Bandung Buah Batu
ATM Griya Hemat Jl. Soekarno Hatta No. 533, Kota Bandung Buah Batu
ATM Indomaret 293 Gatot Subroto JL. Gatot Subroto No. 293, Kel. Maleer, Kec. Batununggal, Kota Buah Batu
Bandung
ATM Indomaret Burangang Jl.Burangrang No.15 Kota Bandung Buah Batu
ATM Indomaret Ciwastra Jl.Ciwastra No.94 Kota Bandung Buah Batu
ATM Indomaret Margacinta Jl.Margacinta No.429 Kota Bandung Buah Batu
ATM Indomaret Panyileukan Indomaret Panyileukan Komplek Bumi Panyileukan Blok A5 No.20 Buah Batu
Panyileukan
ATM Indomaret terusan Buah Batu Jl. Terusan Buah batu No. 181 rt06/02 Kel Kujang Sari Buah Batu
ATM Martanegara Jalan RAA. Martanegara 45, Bandung Buah Batu
ATM Metro Margahayu Raya Pelataran Parkir Margahayu Land Building, Jl. Soekarno Hatta No. Buah Batu
638, Kota Bandung
ATM Polda Jabar Jl. Soekarno Hatta No. 748, Kota Bandung Buah Batu
ATM Rest Area KM 147 Purbaleunyi Rest Area Tol Purbaleunyi Km 147 Buah Batu
ATM Soekarno Hatta 2 Alfamart Soekarno Hatta, Jl.Soekarno Hatta No.489 RT 06/04 Kel. Buah Batu
Cijagra Kec.Lengkong Kota Bandung
ATM SPBU BKR SPBU 34.40217 JL. RAYA BKR NO.78A Buah Batu
ATM SPBU Cipamokolan/Riung Bandung Jl. Cipamokolan No. 09, Kota Bandung Buah Batu
ATM SPBU Gedebage SPBU Gedebage, Jl.Soekarno Hatta No.728 Bandung Buah Batu
ATM KC Buah Batu 1 Jl. Buahbatu No.254, Kota Bandung Buah Batu
ATM KC Buah Batu 2 Jl. Buahbatu No.254, Kota Bandung Buah Batu
ATM KCP BKR Jl.BKR no.124B Kel.cigereleng kec.regol bandung Buah Batu
ATM KCP Burangrang Jl.Lodaya No.16C Kec.Lengkong Kel.Burangrang Kota Bandung Buah Batu
ATM KCP Cinunuk Jl. Raya Cinunuk No. 122, Rt. 04/Rw. 14, Desa Cinunuk, Kec. Buah Batu
Cileunyi, Kab. Bandung
ATM KCP Ciwastra Perumahan mustika hegar regency Kel.Mekarsari Kec.Buah batu Buah Batu
kota Bandung
ATM KCP Derwati Jl. Blok Babakan Karet, Kel. Derwati, Kec. Rancasari, Kota Bandung Buah Batu
ATM KCP Gatot Subroto Bandung jl.Gatot Subroto No.243 Bandung Kec.Batununggal Kel.Cibangkong Buah Batu
Kota Bandung
ATM KCP Gedebage Komplek Pasar Induk Gedebage, Los 804, Jl.Soekarno Hatta Km Buah Batu
12,5, Gedebage - Bandung
ATM KCP Kiaracondong Jl. Ibrahim Adjie No. 344 B, Kota Bandung Buah Batu
ATM KCP MTC Komplek Pertokoan Metro Trade Center (MTC) Blok D No. 22, Kota Buah Batu
Bandung
ATM CPDP Prov. Wil. Kabupaten Ciamis I Jl.Jendral Sudirman No.231 Ciamis Ciamis
ATM Giant Ciamis Jl.Ahmad Yani No.15 Ciamis Ciamis
ATM Pusat Kota Ciamis Jl. Jend. Sudirman No. 2, Kab. Ciamis Ciamis
ATM RSUD Ciamis Jl. Rumah Sakit No. 76, Kab. Ciamis Ciamis
ATM Universitas Galuh Ciamis Jl. RE. Martadinata No. 150, Kab. Ciamis Ciamis
ATM Yogya Ciamis Jl. Perintis Kemerdekaan No. 57, Kab. Ciamis Ciamis
ATM KC Ciamis Jl. Jend. Sudirman No.71, Kab. Ciamis - 46211 Ciamis
ATM KCP Kawali Jln Kawali Ciamis
ATM KCP Panumbangan Jl. Raya Panumbangan No. 242, Desa Panumbangan, Kec. Ciamis
Panumbangan
ATM KCP Rancah Jl. Kawunglarang No. 6, Desa Rancah, Kec. Rancah, Kab. Ciamis Ciamis
ATM KCP Sindangkasih Blok Pengkolan, Desa Sindangkasih, Kec. Sindangkasih, Kab. Ciamis Ciamis
ATM Alfamart Gekbrong Alfamart Gekbrong, Jl.Raya Sukabumi-Cianjur K Cianjur
ATM Cibadak Trade Center Jl. Raya Mariwati, Desa Cibadak, Kec. Sukaresmi, Kab. Cianjur Cianjur
ATM CPDP Prov. Wil. Kabupaten Cianjur Jl.Dr.Muwardi No.118 Cianjur Cianjur
ATM Indomaret Bojong Picung Kp.Harjalaksana RT 001/009, Neglasari, Bojong Picung Cianjur Cianjur
ATM Indomaret Brasco Jl.Raya Hanjawar Cipanas Ds.Cimacan-Cianjur Depan FO Brasco Cianjur
644
ATM Indomaret Maleber JL. HALTE MALEBER RT.01 RW.07 Kel.Maleber Kec.Karang Tengah Cianjur
Kab.Cianjur
ATM Indomaret Pasir Hayam JL. RAYA PASIR HAYAM NO.54 Kel.Sirnagalih Kec.Cilaku Kab.Cianjur Cianjur
ATM P4TK Cianjur Jl. Jangari Km 14, Sukajadi-Karangtengah, Kab. Cianjur Cianjur
ATM Pasar Cipanas Cianjur Cipanas Kab. Cianjur Cianjur
ATM PDAM Cianjur Jl. Siliwangi No. 34, Kab. Cianjur Cianjur
ATM RSUD Cianjur Jl. Rumah Sakit No. 1, Kab. Cianjur Cianjur
ATM SPBU Panembong SPBU 34.43204 Jl.Ir.H.Juanda No.108 Kab.Cianjur Cianjur
Introduction
ATM Yogya Cianjur Jl.Arif Rachman Hakim No.56A Cianjur Cianjur
ATM K.Kas Ciranjang Jl. Raya Ciranjang No. 117, Ds. Ciranjang, Kec. Ciranjang, Kab. Cianjur
Cianjur
ATM Kadupandak Cianjur Kadupandak, Kab. Cianjur Cianjur
ATM KC Cianjur Jl. HOS Cokroaminoto No.56 A, Kab. Cianjur Cianjur
ATM KC Cianjur 2 Jl. HOS Cokroaminoto No.56A Kel.Muka Kec.Cianjur Kab.Cianjur Cianjur
ATM KCP Cibeber Desa Cipetir, Kec. Cibeber, Kab. Cianjur Cianjur
Performance
ATM KCP Cipanas Cianjur Jl. Raya Cipanas No.12 A, Cipanas - Kab. Cianjur Cianjur
ATM KCP Pemkab Cianjur Jalan Siti Jaenab No. 65, Kel. Pamoyanan Kab. Cianjur Cianjur
ATM KCP Sindangbarang kampung sukamulya rt 01/002 kec.sindangbarang kab.cianjur Cianjur
ATM KCP Sukanagara Jl. Raya Sukanagara No. 12, Kec. Sukanagara, Kab. Cianjur Cianjur
ATM KCP Tanggeung Desa Tanggeung, Kec.Tanggeung, Kab. Cianjur Cianjur
ATM KCP Warung Kondang Jl. Warungkondang No. 66,Desa Jambudipa, Kec. Cianjur
Warungkondang,Kab. Cianjur
Good Corporate
ATM KK DPKAD Jl.KH Abdullah bin Nuh Kab.Cianjur Cianjur
Governance
ATM KK Kec.Cibinong Kab.Cianjur Kp.Ankola Desa Sukajadi Kec.Cibinong Kab.Cianjur Cianjur
ATM KK Pagelaran Kampung Nanggewer RT 07/01 Desa Pagelaran Kec.Pagelaran Kab. Cianjur
Cianjur
ATM Bakosurtanal Cibinong Cibinong
ATM Carrefour Cibinong Jl. Raya Jakarta -Bogor Km. 41,5 Cibinong, Kab. Bogor Cibinong
ATM Citra Indah Cileungsi ATM Center Citra Indah, Jl. Raya Jonggol KM. 23,2 Cileungsi, Kab. Cibinong
Corporate Social
Bogor
Responsibility
ATM CPDP Prov. Wil. Kabupaten Bogor Jl. Nyaman 1, Komplek Pemda Kab bogor Cibinong
ATM Indomaret Cikaret Jl.Raya Cikaret Cibinong Kab.Bogor Cibinong
ATM Indomaret Mega Mendung (Indomaret Jl. Raya Puncak Cibinong
Babakan Madang)
ATM Indomaret Raya Bogor Jl.Raya Bogor Km 40 Kab.Bogor Cibinong
ATM ITC Cibinong Jl. Mayor Oking 11, Cibinong, Kab. Bogor Cibinong
ATM Kantor Pemda Cibinong Komplek Pemda Cibinong, Kab. Bogor Cibinong
Consolidated
ATM Laladon Jl.Laladon Raya No.10A Ciomas Kab.Bogor. Cibinong
ATM Mall Bellanova Sentul Jl. M.H Thamrin No. 8, Sentul Selatan, Bukit Sentul, Kab. Bogor Cibinong
ATM Pemata Sentul ATM Center Permata Sentul Golf , Jl. Leuwinutug, Citeureup, Kab. Cibinong
Bogor
ATM Plaza Cibubur Plaza Cibubur, Jl. Alternatif Cibubur - Cileungsi Km. 2-3 Cibubur Cibinong
Kab. Bogor
ATM RM Kedai Sunda Jl.Raya Puncak Km 75 Cipayung Kab.Bogor Cibinong
Corporate Data
ATM SPBU Cibungbulang Jl.Raya Leuwiliang Km 16 RT001/007 Desa Griyamulya Cibinong

Cibungbulang-Bogor
ATM Superindo Pabuaran Jl.Raya Jakarta Bogor KM 42 Kab. Bogor Cibinong
ATM Cabang Cibinong 2 Komp. Perkantoran Pemda Kab. Bogor, Jl. Tegar Beriman, Cibinong, Cibinong
Kab. Bogor
ATM Cabang Cibinong 3 Komplek Perkantoran Pemda Kab Bogor Jl. Tegar Beriman - Cibinong
CIBINONG KAB. BOGOR
ATM K. Kas Dispenda Kab. Bogor no Cibinong
ATM KC Cibinong Komp. Perkantoran Pemda Kab. Bogor, Jl. Tegar Beriman, Cibinong, Cibinong
Kab. Bogor
ATM KCP Bojong Gede Komp.Rukko Bojongmas No.8 Jl.raya bojonggede depan rel kereta Cibinong
Kec.Bojonggede Kab.Bogor
ATM KCP Ciawi Kab. Bogor Jl. Raya Puncak Gadog No. 23, Desa Pandan Sari, Kec. Ciawi Cibinong
645
ATM KCP Cileungsi Cibinong
ATM KCP Citeureup Jl. Mayor Oking Jayaatmaja No. 5E, Desa Puspanegara, Kec. Cibinong
Citeureup, Kab. Bogor
ATM KCP IPB Dramaga Jl. Raya Babakan No. 38, Desa Babakan, Kec. Dramaga, Kab. Bogor Cibinong
ATM KCP Jonggol Jl.Raya Alternatif RT 002/008 Pojok Salak, Kel/Ds Jonggol Kec. Cibinong
Jonggol Kab.Bogor
ATM KCP Leuwiliang Area Trade Center (ATC), Blok A No. 1 Kec Leuwiliang, Kab. Bogor Cibinong
ATM KCP Parung Pertokoan Ceria Jaya, Jl. Raya Parung RT 002/004 Desa Parung Kec. Cibinong
Parung Kab.Bogor
ATM KK ITC Cibinong Jl. Mayor Oking No.11 Cibinong Kabupaten Bogor Cibinong
ATM KK Pasar Ciawi Cibinong Jl. Raya Segitiga Puncak Kecamatan Ciawi Kabupaten Bogor Cibinong
ATM KK Pasar Cibinong Jl. Raden Lukman No.8 Cibinong Kabupaten Bogor Cibinong
ATM KK RSU Ciawi Jl.Raya Puncak no.479 ds.bendungan kec.ciawi kab.bogor Cibinong
ATM KK RSU Cileungsi Jl.Raya Narogong Km 23 No.38 Blok G/6 Kec.Cileungsi Kab.Bogor Cibinong
ATM KK RSUD Cibinong Jl.KSR Dadi Kusmayadi No.27 Kabupaten Bogor Cibinong
ATM Alfamidi Cikarang Minimarket Alfamidi, Jl. Raya Sukatani, Kec. Cikarang, Kab. Bekasi Cikarang
ATM CPDP Kab.Bekasi Jl. Industri No.14 Cikarang Kab.Bekasi Cikarang
ATM Jababeka Golf Jababeka Golf and Country Club Jl.Raya Lemahabang cibarusah Cikarang
cikarang baru kab.bekasi
ATM Metropolitan Mall Tambun, Cibitung Jl. Raya Imam Bonjol No. 1, Tambun - Bekasi Cikarang
ATM Naga Swalayan Jl.raya industri no.5 cikarang-bekasi Cikarang
ATM Naga Swalayan Naga Swalayan, JL.Dipenogoro KM 39, Tambun, Bekasi Timur Cikarang
ATM Rest Area Km 42 Rest Area Km42 Cikarang Cikarang
ATM RS Karya Medika (RSKM) II Tambun Jl. Sultan Hasanudin No. 63 Tambun Bekasi Cikarang
ATM RSAI Graha Asri Jl. Citanduy Raya Blok L-11 No.1 Cikarang Utara Cikarang
ATM RSUD Kab. Bekasi RSUD Kab. Bekasi, Jl. Teuku Umar, Cibitung Kab. Bekasi Cikarang
ATM Sentra Grosir Cikarang (SGC) Jl. R.E. Martadinata No. 95, Cikarang Kota, Kab. Bekasi Cikarang
ATM SPBU Jababeka II Jl. Niaga Raya No. 1, Jababeka II, Ciakarang Baru, Kab. Bekasi Cikarang
ATM K.Kas Delta Mas Kantor Pemda Kab. Bekasi, Desa Sukamahi, Kec. Cikarang Pusat, Cikarang
Kab. Bekasi
ATM KC Cikarang Jl. Yos Sudarso No. 91-93 Cikarang Plaza, Cikarang, Kab. Bekasi Cikarang
ATM KC Cikarang II Jl.Yos Sudarso No.91-93 Cikarang Plaza Kec. Cikarang Utara, Kab. Cikarang
Bekasi
ATM KCP Babelan 2 Jl.Raya Babelan Km.3 RT 01/01 Kab.Bekasi Cikarang
ATM KCP Babelan Kab. Bekasi Jalan Raya Babelan Km. 3 RT 01/01, Kec. Babelan, Kab. Bekasi Cikarang
ATM KCP Jababeka Cikarang Commercial Center, Blok B No. 15, Jl. Cikarang - Cikarang
Cibarusah, Kel. Pasir Sari, Kec. Cikarang Selatan, Kab. Bekasi
ATM KCP Pemkab Bekasi (Delta Mas) Komp. Perkantoran Pemda Kab. Bekasi, Desa Sukamahi, Kec. Cikarang
Cikarang Pusat, Kab. Bekasi
ATM KCP Setu Jl.Raya Setu Kp.Lubang Buaya 01/01 Kec.Setu Kab.Bekasi Cikarang
ATM KCP Sukaresmi Jl. Raya Cibarusah Kav. No. 13. O, Ruko Cikarang Point, Desa Cikarang
Sukaresmi, Kec. Cikarang Selatan, Kab. Bekasi
ATM KCP Sukatani Jl.Raya Pilar Sukatani Kp.Blokang RT 002/001 Desa Karang Sentosa, Cikarang
Kec.Karang Bahagia Kab.Bekasi
ATM KK Cikarang Barat Jl.Imam Bonjol No.80 Ciakrang barat Kab.bekasi Cikarang
ATM KK Cikarang Selatan Kp.Serang RT 011/RW 06 Desa Sukadamai Kec.Cikarang Selatan Cikarang
Kab.bekasi
ATM KK Waroeng Cibitung Bekasi Regency II No.12A Wanasari Cibitung Kab.Bekasi Cikarang
ATM Alfamidi Bojonegoro Cilegon Jl.Raya Cilegon-Bojonegoro Cilegon
ATM Alfamidi Bukit Palem Jl.Utama Bukit Palm Cilegon Cilegon
ATM Alfamidi Cibeber Cilegon Jl.PCI Perumnas Sambirata Cibeber Cilegon Rt02/03 Kec Cilegon Cilegon
ATM Alfamidi Gerem Cilegon Jl.Raya Merak Gerem Cilegon Cilegon
ATM Alfamidi Grogol Cilegon Jl.Raya Cilegon-Grogol Cilegon
ATM Alfamidi Jombang Masjid Jl.Cut Nyak Dien Jombang Masjid Cilegon Cilegon
ATM Alfamidi Pagebangan Cilegon Jl.Pasar Pagebangan - Cilegon Cilegon
646
ATM Alfamidi Raya Cilegon jl. Raya cilegon link.kalang anyar RT.06/RW.01 kel.kedaleman kec. Cilegon
cilegon cilegon
ATM Alfamidi Temu Putih Cilegon Jl. Lumba-lumba No. 1 RT 18/09 Kavling Blok C Kec. Cilegon banten Cilegon
ATM Cilegon City Square ATM Center Cilegon City Square, Jl. Ahmad Yani, Kota Cilegon, Cilegon
Prov. Banten
ATM Indomaret Anyar Jl.Raya Karbol Km 14 Kota Cilegon Cilegon
ATM Indomaret Bojonegoro III JL.Bojonegara, Karang Kepuh RT 06/04 Cilegon
ATM Indomaret Ciwandan Cilegon Jl.Raya Anyer Komplek Sinyar RT15/06 Ciwandan-Cilegon Cilegon
Introduction
ATM Indomaret Mancak Jl.Raya cilegon-mancak-anyar Cilegon
ATM Indomaret Pasar Baru Cilegon JL.Raya Pasar Kranggot Cilegon Cilegon
ATM Indomaret Sastradika Jl.Sastradikarta RT 06/01 Masigit Jombang-Cilegon Cilegon
ATM Indomaret Serdang Jl.Waringin Kurung RT01/13 Kramatwatu Serang Cilegon
ATM Indomaret Simpang Tiga JL. LETJEND SUPRAPTO Cilegon
ATM Indomaret Toyomerto Jl.Raya Cilegon-Toyomerto Cilegon
ATM Krakatau Junction Krakatau Junction, Jl. Kyai Haji Yasin Beji, Kota Cilegon, Cilegon
Performance
ATM Mayofield Mall Cilegon Lantai Dasar ATM Centre Booth No. 6, Mayofield Mall Cilegon, Jl. Cilegon
SA. Tirtayasa No. 1, Simpang Tiga, Kota Cilegon
ATM Pelabuhan Merak JL. RAYA MERAK, PELABUHAN PENYEBRANGAN ASDP MERAK Cilegon
ATM Pemkot Cilegon Komplek Pemerintahan Kota Cilegon, Jl. Jend. Sudirman No. 2, Kota Cilegon
Cilegon, Prov. Banten
ATM Ramayana Cilegon Jl.Raya Cilegon-Merak Kecamatan Cilegon-Banten Cilegon
ATM RSUD Cilegon RSUD Kota Cilegon, Jl. Kapten P Tendean Km. 3, Kota Cilegon Cilegon
Good Corporate
ATM Samsat Cilegon Kantor Samsat Kota Cilegon, Jl. Raya Merak Km. 3, Kota Cilegon, Cilegon
Governance
Prov. Banten
ATM KC Cilegon 1 Jl. Ahmad Yani No. 132, Kel. Sukmajaya, Kec. Jombang, Kota Cilegon
Cilegon 42411, Prov. Banten
ATM KC Cilegon 2 Jl. Ahmad Yani No. 132, Kel. Sukmajaya, Kec. Jombang, Kota Cilegon
Cilegon 42411, Prov. Banten
ATM KCP Anyar Jl. Sirih No. 2, Desa Anyar, Kec. Anyar, Kab. Serang Cilegon
ATM KCP Merak Jl. R.E. Martadinata No. 15, Kel. Mekarsari, Kec. Pulo Merak, Kota Cilegon
Corporate Social
Responsibility
Cilegon, Prov. Banten
ATM KK Jalan Stasiun Jl.Stasiun No.1 Ds.Jombang Wetan Kec.Cilegon Cilegon
ATM KK Mayofield Jl. Ahmad Yani No. 132 Cilegon
ATM KK Pasar Kranggot Jl.Pasar Baru Sukmajaya Kec.Jombang Cilegon Cilegon
ATM Alun-Alun Kota Cimahi Jl. Dra. H. Djulaeha Karmila No. 5, Kota Cimahi Cimahi
ATM Borma Cihanjuang Jl.Daeng R. Ardiwinata No.97 Cimahi Cimahi
ATM Borma Cijerah Jl.Cijerah No.90 Cimahi Cimahi
Consolidated
ATM Borma Gempolsari Jl.Gempol Sari Raya No.9 Cimahi Cimahi
ATM Borma Kerkoff Cimahi Borma Kerkoff Cimahi, Jl. Kerkoff No. 32, Kota Cimahi Cimahi
ATM Cimahi Mall Jl. Gandawijaya, Kel. Setiamanah Kec. Cimahi Tengah, Kota Cimahi Cimahi
ATM Indomaret Bojong Raya Cimahi Jl.Bojong Raya II No.25 Kel.Caringin Kec.Bandung Kulon Cimahi
ATM Indomaret Cibeureum Jl.Cibeureum No.123 RT01/21 Cimahi Selatan Cimahi
ATM Indomaret Gatsu Cimahi jl. Gatot subroto no 31 kel Karang Mekar, cimahi tengah Cimahi
ATM Indomaret Gunung Batu Jl. Gunung Batu No 15 Cimahi
Corporate Data
ATM Indomaret Melong Asih Jl.Melong Asih Blok IX No.7 RT 01/14 Cimahi Cimahi
ATM Pemkot Cimahi Jl. Rd. Demang Hardjakusumah Blok Jati, Cihanjuang - Kota Cimahi Cimahi
ATM RSAD Dustira Jl. Dr. Dustira No. 1, Kota Cimahi Cimahi
ATM RSU Kasih Bunda Jl.Mahar Martanegara No.166 Cimahi Cimahi
ATM RSUD Cibabat Jl. Jend. H. Amir machmud No. 140, Kota Cimahi Cimahi
ATM SPBU Cisangkan SPBU 34.40520 Jl.Raya Barat No.698 Cimahi Cimahi
ATM SPBU Leuwigajah SPBU 34.40511 Jl.Mahar Martanegara-Leuwigajah Cimahi Cimahi
ATM SPBU Rajawali SPBU 34.40126 Jl.Rajawali No.54 Bandung Cimahi
ATM The Edge Jl.Raya Baros No.57 Cimahi Selatan Cimahi
ATM Yogya Cimahi Jl. Jenderal Haji Amir Machmud No. 128, Kota Cimahi Cimahi
ATM KC Cimahi Jl. Jend. H. Amir Machmud No. 451, Kota Cimahi Cimahi
ATM KC Cimahi 2 Jl.Jend.H.Amir Machmud No.451 Kota Cimahi Cimahi
647
ATM KCP Baros Cimahi Ruko Pondok Mas Raya, Jl. Pondok Mas Raya No. 22, Kel. Cimahi
Leuwigajah, Kec. Cimahi Selatan, Kota Cimahi
ATM KCP Cibeureum Jl.Raya Cibeureum No.48 Kota Bandung Cimahi
ATM KCP Cijerah Jl. Cijerah No. 216 A, Kec. Cijerah, Kota Cimahi Cimahi
ATM KCP Cimindi Jl. Mahar Martanegara 22 C (Leuwigajah), Kel. Cigugur Tengah, Cimahi
Kec. Cimahi Tengah, Kota Cimahi
ATM KCP Cisangkan Jl. Jend. H. Amir Machmud No. 510, Kel. Padasuka, Kec. Cimahi Cimahi
Tengah, Kota Cimahi
ATM KCP Citeureup Cimahi Jl.raya citeureup Noo.143 Cimahi utara kota cimahi Cimahi
ATM KCP Gunung Batu Jl.Raya Gunung Batu No.93E Kota Bandung Cimahi
ATM KK Samsat Cimahi Jl. Raya Cibabat No.331/A Cimahi Cimahi
ATM At Taqwa Cirebon Jl.RA Kartini Kec.Kejaksaan Kota Cirebon Cirebon
ATM Cirebon Superblok Jl. Cipto Mangunkusumo Cirebon-Harjamukti, Cirebon Cirebon
ATM CPDP Prov. Wil. Kota Cirebon Jl. Pemuda No. 44 Cirebon Cirebon
ATM Giant Cietos Jl.Rajawali Raya Cirebon Cirebon
ATM Grage Mall Pusat Pertokoan Grage Mall, Jl. Tentara Pelajar No. 1, Kota Cirebon Cirebon
ATM Hotel Cirebon Plaza Hotel Cirebon plaza, Jl.Kartini Kota Cirebon Cirebon
ATM Indomaret Perjuangan Cirebon Indomaret Perjuangan, Jl. Perjuangan, Kota Cirebon Cirebon
ATM Pelabuhan Cirebon (Pelindo) Komp. Pelabuhan Indonesia - Kota Cirebon Cirebon
ATM Permata Bunda Jl.Kesambi No.133 (Klinik Bersalin Permata Bunda Syariah) Cirebon
ATM Perumnas Cirebon ATM Center Toko Mas Pantes Jl. Ciremai Raya No. 116, Perumnas Cirebon
Cirebon, Kota Cirebon
ATM Pusat Grosir Cirebon (PGC) Pusat Grosir Cirebon (PGC) Lt. 3, Jl. Siliwangi, Komplek Pasar Pagi, Cirebon
Kota Cirebon
ATM RS Cermai RS Ceremai Jl. Kesambi Cirebon Cirebon
ATM RS Sumber Waras Jl.Urip Sumoharjo No.5 Ciwaringin Cirebon Cirebon
ATM RS. Pertamina Jl.Raya Sunan Gunung Jati Komplek Pertamina Cirebon Utara Cirebon
ATM RSUD Gunungjati RSUD Gunungjati, Jl. Kesambi No. 56, Kota Cirebon Cirebon
ATM SPBU Cipto Cirebon SPBU 34.451.58 Jl.Cipto Mangunkusumo Kota Cirebon Cirebon
ATM Stasiun PJKA Stasiun Kereta Api Cirebon Jl. Tanda Barat No.1 Kota Cirebon Cirebon
ATM Sumber Kasih Jl.Siliwangi No.135 Kota Cirebon Cirebon
ATM Surya Toserba Cirebon Jl.Karang Getas 23,Pekalangan,Pekalipan Kota Cirebon Cirebon
ATM Unswagati Cirebon Kampus Unswagati Cirebon, Jl. Pemuda No. 32, Kota Cirebon Cirebon
ATM Yogya Grand Center Cirebon Yogya Grand Cirebon, Jl. Siliwangi, Kota Cirebon Cirebon
ATM Yogya Siliwangi Jl.raya siliwangi kota cirebon Cirebon
ATM Kas Mobil Cirebon Kantor Cabang Cirebon Cirebon
ATM KC Cirebon Jl. Siliwangi No.30, Kota Cirebon Cirebon
ATM KC Cirebon 2 Jl. Siliwangi No.30 Cirebon Cirebon
ATM KCP Gunung Sari Jl. Dr. Cipto Mangunkusumo No. 1 A, Kel. Pekiringan, Kec. Kesambi Cirebon
ATM KCP Harjamukti Jl. Jend. Sudirman Blok I A No. 20-21, Kanggraksan, Pasar Cirebon
Harjamukti, Cirebon
ATM KCP Jagasatru Jl. Jagasatru, Cirebon Cirebon
ATM KCP Kesambi Jl. Kesambi Raya RT 01/09 Jabang Bayi Kel.Drajat Kec.Kesambi Kota Cirebon
Cirebon
ATM KCP Pagongan jl.karang tas blokD12 pekalangan kota cirebon Cirebon
ATM KCP Palimanan Blok Masjid RT 05/02 Ds Palimanan Timur Kec Palimanan Kab Cirebon
Cirebon
ATM KCP Perumnas Cirebon Jl.Ciremai raya-cirebon Cirebon
ATM KCP Tuparev Jl. Tuparev, Kukusan Barat I, Desa Pilangsari, Kec. Kedawung, Cirebon
Kabupaten Cirebon
ATM KK Majasem Jl.Perjuangan Kav.4 RT 02/05 Kec.Kesambi Cirebon Cirebon
ATM Mall Daan Mogot mall daan mogot baru komp ruko daan mogot baru jl tampak siring Daan Mogot
jakarta barat 11840
ATM Taman Palem mall taman palem jl.lingkar luar barat cengkareng jakarta barat Daan Mogot
ATM KC Daan Mogot Komp.Perumahan Daan Mogot baru Blok KJE No.9 dan 10 jakarta Daan Mogot
Barat
ATM KCP Green Ville Jakarta Kepa Duri Raya Blok Y No.15D Kec.Kebon Jeruk Jakarta Barat Daan Mogot
648
ATM KCP Kedoya Jl.Panjang RT19/10 Kec.Kebon Jeruk Kel.Kedoya Selatan Jakarta Daan Mogot
Barat
ATM KCP Puri Komp.Ruko Sentral Niaga Puri Indah Blok T6 No.17 Kec.Kembangan Daan Mogot
Jakarta Barat
ATM Bandara Ngurah Rai Terminal kedatangan internasional – Kuta Kab.Badung Denpasar
ATM COCO Supermarket Ubud Jl Hanoman, Ubud – gianyar Denpasar Bali Denpasar
ATM Mall Galeria bali Jl.By Pass I Gst Ngurah Rai, SImpang Dewa Ruci, Kuta Kab.Badung Denpasar
ATM Tuban Pepito Supermarket Jl.Kediri No.36 A Tuban-Bali Denpasar
Introduction
ATM Waterbom Bali Jl.Kartika PO BOX 1055 Tuban, Kuta-Bali Denpasar
ATM Kas Mobil Denpasar Jl.Jend.Teuku Umar No.69 Simpang 6 Denpasar Denpasar
ATM KC Denpasar Jl. Jenderal Teuku Umar No. 69, Simpang Enam, Kota Denpasar, Denpasar
Prov. Bali
ATM KK Sukawati Bali Jl.raya sukawati no.72(toko bali) kel.dan kec.sukawati kab.gianyar Denpasar
80582
ATM Alfamart Kali Abang Tengah (Alfamart JL.Permata Hijau Depok
Permata Hijau)
Performance
ATM Cipayung Jl.Raya Cipayung No.23 Kota Depok Depok
ATM CPDP Prov. Wil. Kota Depok I Jl. Merdeka Raya No. 2 Depok Depok
ATM CPDP Prov. Wil. Kota Depok II Cinere Jl. Limo Raya No.60 Cinere Kota Depok Depok
ATM Depok Town Square/Jalan Margonda Rata Mall Depok Town Square, Jl.Margonda Raya No.1 Pondok Cina, Depok
Depok
ATM FKM UI Kampus Universitas Indonesia-Depok Depok
ATM Indomaret Cilangkap 3 Jl.Raya Cilangkap No.76 RT01/13 Kota Depok Depok
Good Corporate
Governance
ATM Indomaret Kejayaan Raya Jl.Kejayaan No. 273 RT 001/10 Kel.Abadi Jaya Kec.Sukmajaya Kota Depok
Depok
ATM Indomaret Parung Bingung Jl.Raya Gas Alam RT 03/06 Kota Depok Depok
ATM Indomaret Permata Depok Jl.Palakali Raya RT01/07 Kota Depok Depok
ATM Indomaret Pitara Depok Jl.Pitara raya Rt 01/01 Depok Depok
ATM Indomaret Putri Tunggal Indomaret Putri tunggal 2, Jl. Raya Puri Tunggal Harjamukti Depok
Cimanggis Depok
Corporate Social
Responsibility
ATM Indomaret Tapos 2 Jl.Raya Tapos RT 004/003 Kel.Tapos Kec.Cimanggis Kota Depok Depok
ATM Irenk Medical Center Jl Bahagia Klinik Umum irenk medical centre Jl.bahagia no.18 depok Depok
ATM Jl Pitara Raya (SPBU) Jl.Raya Pitara RT 01/10 Pancoranmas Kota Depok Depok
ATM Kantor Pos Depok Kantor PT. Pos Indonesia, Jl. Sentosa Raya No. 3, Kota Depok Depok
ATM Klinik Tirta Husada Jl.Raya KSU/Parung Serab No.7 Depok Depok
ATM Margo City Depok Jl. Margonda Raya No. 358, Kota Depok Depok
ATM Nusantara pusat perbelanjaan depok jaya, jl.nusantara raya kota depok Depok
Consolidated
ATM Pemkot Depok Kantor Pemkot Depok, Jalan Margonda Raya No. 54, Kota Depok Depok
ATM Rest Area Cibubur Square Cibubur Square, Jl.Tol Jagorawi Km 10 jakarta Timur Depok
ATM RSUD Depok Jl. Raya Sawangan, Kec. Sawangan, Kota Depok Depok
ATM Sawangan Jl.Raya Sawangan No.1 Sawangan-Depok Depok
ATM SPBU Kartini SPBU 34.16411 Jl. Kartini No. 7 Pancoranmas Depok Depok
ATM SPBU Limo Cinere Depok Jl. Meruyung Limo Depok Depok
ATM Stasiun Kereta Api Depok Jl.Arief rahman hakim pancoranmas kota depok Depok
Corporate Data
ATM Universitas Pancasila JL Srengseng Sawah Lenteng Agung Jakarta Selatan Depok
ATM KC Depok Jl.Margonda Raya No.29, Kota Depok Depok
ATM KCP Cibubur Komplek Ruko Citra Grand Blok R.1 No. 17, Kel. Jatikarya, Kec. Depok
Jatisampurna, Kota Bekasi
ATM KCP Cimanggis Ruko Cisalak Permai No.7, Jl. Raya Cisalak-Cimanggis, Kota Depok Depok
ATM KCP Cinere Jl. Raya Cinere No. 11, Kel. Cinere, Kec. Limo, Kota Depok Depok
ATM KCP Kelapa Dua Jl. Kelapa dua, Depok Depok
ATM KCP Sawangan Jl. Raya Parung Ciputat RT.03 RW.03,Kelurahan Bojongsari, Kec. Depok
Sawangan, Kota Depok
ATM KK Depok II Jl.Raya Kemakmuran No.48 RT 004/04 Mekar Jaya-Depok Depok
ATM KK ITC Depok Jl.Margonda Raya No. 56 Kota Depok Depok
ATM KK Jalan Raya Bogor Jl.Raya bogorKm31 Kec.sukmajaya Kota Depok Depok
649
ATM KK Jalan Raya Muchtar Depok Jl.Raya Muchtar No.1 Sawangan Baru-Depok Depok
ATM KK Parung Bingung Jl.Meruyung Raya No.8 Kel.Rangkapan Jaya Kec.Pancoran Mas Depok
ATM Apotek Kimia Farma Garut Jl.Cimanuk No.166 Garut Garut
ATM Cocodot Garut Jl. Pasawahan No.02 Pasawahan Tarogong Garut Garut
ATM Indomaret Jl. Pembangunan Jl. Pembangunan No. 16 Garut Garut
ATM Indomaret Karang Pawitan JL. KARANG PAWITAN NO. 40A Kel.Lebakjaya Kec.karang Pawitan Garut
Kab.Garut
ATM Indomaret Leles JL. RAYA LELES NO. 44 RT 02 Kel.Salam Nunggal Kec.Leles Kab. Garut
Garut
ATM Indomaret Lewo JL. PASAR LEWO RT/RW 04/01 DESA SUKARATU Kel.Sukaratu Kec. Garut
Malangbong Kab.Garut
ATM Ramayana Robinson Garut Jl.Guntur Lantai Semi Basement Unit 04 Garut Garut
ATM RM Pujasega Garut Jl. Otista No. 64, Kec. Tarogong- Kab. Garut Garut
ATM RSUD Dr. Slamet Garut RSUD Dr. Slamet Garut, Jl. Rumah Sakit No. 12, Blok Rumah Sakit, Garut
Kel. Sukajaya, Kec. Tarogong Kidul, Kab. Garut
ATM Sabda Alam Jl.Raya Cipanas NO.3 Garut Garut
ATM SPBU Leles SPBU 34.44122 Jl.Raya Leles No.08-10 Garut Garut
ATM Toserba Yogya Garut Toserba Yogya Garut, Jl. Siliwangi No. 25, Kab. Garut Garut
ATM Cabang Garut 2 Jl.Jend.A.Yani No.38 Kab.Garut Garut
ATM Cabang Garut 3 Jl. Jend. A. Yani No.38, Kab. Garut Garut
ATM KC Garut Jl. Jend. A. Yani No.38, Kab. Garut Garut
ATM KCP Cikajang Jl. Raya Cikajang No.83, Cikajang - Kab. Garut Garut
ATM KCP Kadungora Jl. Raya Kadungora, Desa Kadungora, Kec. Kadungora, Kab. Garut Garut
ATM KCP Limbangan Plaza Limbangan, Jl. Raya Limbangan Timur, Blok Sukasirna, Desa Garut
Limbangan Timur, Kec. Blubur Limbangan, Kab. Garut
ATM KCP Malangbong Jl. Raya Tasikmalaya - Bandung, Kampung Legok RT.03/RW.01, Desa Garut
Malangbong, Kec. Malangbong, Kab. Garut
ATM KCP Pameungpeuk Jl. Raya Pameungpeuk, Blok Cigodeg Desa Paas,Kec. Pameungpeuk, Garut
Kab. Garut
ATM KCP Samarang Jl.Raya Samarang No.77 Kab.Garut Garut
ATM KCP Wanaraja Jl.Raya wanaraja Kp.Cimalaka RT03/05 Ds.Wanaraja Kec.Wanaraja Garut
Kab.Garut
ATM KK Dishub Garut Jl. Merdeka No.230 Kel.Haurpanggung Kec.Tarogong Kidul Kab. Garut
Garut
ATM Mall Taman Anggrek Mall Taman Anggrek, Jl.Letjen S.Parman Kav.21, Jakarta Hasyim Ashari
ATM KCP Kebon Jeruk Jl. Raya Perjuangan No. 11, Kec. Kebon Jeruk, Kota Jakarta Barat Hasyim Ashari
ATM KCP KS Tubun Jl.KS Tubun No.2B Kec.tanah abang jakbar Hasyim Ashari
ATM KCP Meruya Komp.Pertokoan Taman Kebon Jeruk Blok F No.4 Kebon Jeruk Hasyim Ashari
Jakpus
ATM KCP Tomang Jl.Raya tanjung duren raya no.84D Kec.Grogol Petamburan Jakbar Hasyim Ashari
ATM KC Hasyim Ashari Jl. K.H. Hasyim Ashari No. 34 Kec. Gambir,Jakarta Pusat Hasyim Ashari
ATM KCP Kamal Komp.Taman Mutiara Palem Blok A5 No.16 Kec.Cengkareng jakarta Hasyim ashari/Daan Mogot
barat
ATM KCP Season City Jl.Prof.Dr.Latumenten Blok D No.2 Kec.Tambora Jakarta Barat Hasyim ashari/Daan Mogot
ATM KCP Jalan Panjang Jakarta Jl.Panjang (Arteri Kelapa Dua) RT01/003 Kec.Kebon Jeruk Jakarta Hasyim Ashari/S.Parman
Barat
ATM KCP Pos Pengumben Jl.Pos Pengumben Raya Komp.Boulevard RT010/03 Kel.Srengseng Hasyim Ashari/S.Parman
Kec.Kembangan jakarta Barat
ATM Alfamart Sukra Indramayu Alfamart Jl. Raya Sukra, Kab. Indramayu Indramayu
ATM Anjatan Jl.Ahmad Yani No.10 Anjatan Kab.Indramayu Indramayu
ATM Cikedung (Alfamart) Alfamart Cikedung jl. Raya Cikedung Blok 1 Rt.01/01 Cikedung Indramayu
Indramayu
ATM CPDP Prov Wil Indramayu II no Indramayu
ATM Haurgeulis Jl.Jendral Sudirman No.15 Haurgeulis-Indramayu Indramayu
ATM Pasar Bangkir Toserba Cipto Mart Jl. Raya Rambatan Wetan No.45, Kec. Sindang, Indramayu
Kab. Indramayu
ATM Pasar Gantar (Alfamart) Alfamart Gantar Blok gatot 1 Rt.01/01 Desa Gantar Indramayu Indramayu
650
ATM Pasar Kedokanbunder Jl.Raya Kedokanbunder (depan balai desa kedokan bunder) Kab. Indramayu
Indramayu
ATM Pemda Kab. Indramayu Komplek Pemda Indramayu, Jl. Mayjen. Sutoyo No.1/E, Kab. Indramayu
Indramayu
ATM RS Bhayangkara Indramayu RS Bhayangkara Indramayu, Jl. Raya Pantura Km. 73-75, Losarang, Indramayu
Kab. Indramayu
ATM RS MA Sentot Jl.Raya Patrol Km.50 Patrol-Indramayu Indramayu
ATM RSUD Indramayu Jl. Murahnara No. 7, Kab. Indramayu Indramayu
ATM Samsat Indramayu Jl. Gatot Subroto, Kab. Indramayu Indramayu
Introduction
ATM Toserba Surya Jatibarang Toserba Surya Jatibarang, Jl. Mayor Dasuki, Kec. Jatibarang, Kab. Indramayu
Indramayu
ATM Toserba Yogya Indramayu Toserba Yogya Indramayu, Jl. Jend. Sudirman No. 46, Kec. Indramayu
Indramayu, Kab. Indramayu
ATM Widasari Jl.bangodua-Widasari kab.indramayu Indramayu
ATM Yogya Jatibarang Jl. Siliwangi No. 28, Kec. Jatibarang, Kab. Indramayu Indramayu
ATM KC Indramayu Jl. Jend.Sudirman No.106, Kab. Indramayu Indramayu
Performance
ATM KC Indramayu 2 Jl.Jend.Sudirman No.106,Kab.Indramayu Indramayu
ATM KCP Bangkir Jl. Raya Pasar Bangkir, Kab. Indramayu Indramayu
ATM KCP Haurgeulis Jl. Sudirman No. 15, Kec. Haurgeulis, Kab. Indramayu Indramayu
ATM KCP Jatibarang Jl. Jend. A. Yani No. 58 RT. 01/RW. 01, Desa/Kec. Jatibarang, Kab. Indramayu
Indramayu
ATM KCP Karangampel Jl. Raya Barat Karangampel, Kec. Karangampel, Kab. Indramayu Indramayu
ATM KCP Karangsinom Jl. Raya Pantura, Kab. Indramayu Indramayu
Good Corporate
Governance
ATM KCP Patrol Jl. Raya Patrol No.13 RT. 007/RW. 003, Desa. Patrol Lor, Kec. Patrol, Indramayu
Kab. Indramayu
ATM KCP Pemkab Indramayu Jl. Mayjen Soetoyo, Kab. Indramayu Indramayu
ATM KCP Terisi Desa Karangasem, Kec. Cikedung, Kab. Indramayu Indramayu
ATM KK Eretan Jl.Raya Eretan Wetan Kandanghaur Kabupaten Indramayu Indramayu
ATM KK Karang Malang Komplek Pasar Baru Desa Karangmalang Indramayu Indramayu
ATM KK Kertasemaya Blok Pasar Kel.Tulungagung Kertasemaya Kab. Indramayu Indramayu
Corporate Social
Responsibility
ATM KK Lelea Jl.Raya Lelea- Kab.Indramayu Indramayu
ATM KK Pasar Bongas Desa Margamulya RT 15/04 Bongas-Kab.Indramayu Indramayu
ATM KK Sukra Jl. Raya Sukra Kabupaten Indramayu Indramayu
ATM KK TPI Karangsong Jl.Karangsong – Kab.Indramayu Indramayu
ATM KK Tukdana Blok Sukajadi Kohir No.3781 Desa Tukdana Indramayu Indramayu
ATM Cileunyi Kab Bandung Jl.Cileunyi No.481 Kel.Cileunyi Wetan Kec.Cileunyi Kab.Bandung Jatinangor
10393
Consolidated
ATM KC Jatinangor Jl.Raya Jatinangor No.41 Kab.Sumedang Jatinangor
ATM Karawang Central Plaza Jl.Raya Arteri Perum Galuh Mas Karawang-Jawa Barat Karawang
ATM Kosambi Karawang Pertokoan Rahayu Jayal. Raya Kosambi No.8 Karawang Karawang
ATM Lebak Sari Karawang Jl.Interchange Tol Karawang Barat No.1 Karawang Karawang
ATM Pemda karawang Jl. Jend.A.Yani No.1 Karawang Karawang
ATM Ramayana Mall Karawang Ramayana Mall, Jl. Raya Tuparev No. 110, Kab. Karawang Karawang
ATM Rest Area KM 62 Jl. Tol Cikampek Km 62 Karawang
Corporate Data
ATM RS Cito Karawang Jl. Arteri Tol Karawang Barat , Teluk Jambe Timur, Kab. Karawang Karawang
ATM RSUD Karawang Jl. RSUD No.1, Desa Sukaharja, Kec. Telukjambe, Kab. Karawang Karawang
ATM Samsat Kab.Karawang Jl.Jend. A. Yani No.1 Karawang Karawang
ATM SPBU Surotokunto Karawang no Karawang
ATM Toserba Yogya Cikampek Toserba Yogya Cikampek, Jl. Ahmad Yani, Cikampek, Kab. Karawang
Karawang
ATM UNSIKA Karawang Jl. H.S. Ronggowaluyo / Teluk Jambe Karawang Karawang
ATM Cabang Karawang 2 Jl. Kertabumi No.2 Karawang
ATM KC Karawang Jl.Kertabumi No.2, Kab. Karawang Karawang
ATM KCP Cikampek Jl. Jend. A. Yani No. 21, Cikampek, Kab. Karawang Karawang
ATM KCP Cilamaya Jl. Raya Cilamaya No. 173, Kel. Mekarmaya, Kec. Cilamaya Wetan, Karawang
Kab. Karawang
651
ATM KCP Klari Jl. Raya Kosambi No. 7B Desa Duren, Kec. Klari, Kab. Karawang Karawang
ATM KCP Rengasdengklok Jl. Proklamasi No. 420, Kec. Rengasdengklok - Kab. Karawang Karawang
ATM KCP Telagasari Jl. Syeh Quro, Desa Telagasari, Kec. Telagasari, Kab. Karawang Karawang
ATM KK Johar Jl. Tuparev No.159 Karawang Timur Kabupaten Karawang Karawang
ATM KK Telukjambe Perumnas Bumi Telukjambe, Blok Y No.4 Desa Sukaluyu Kab. Karawang
Karawang
ATM Gambir (Stasiun) Jl.Medan Merdeka Timur No1 Jakarta Pusat 10110 KCK jakarta
ATM ITC Cempaka Mas JL.Letjend Suprapto Kel.Sumur Batu Kec.Kemayoran Jakpus KCK jakarta
ATM Pasar Kenari Jl.kramat raya no.101 jakarta pusat KCK jakarta
ATM PGC Cililitan Jl.Mayjen Sutoyo No.76 Cililitan Kramat Jati – Jakarta Timur 13640 KCK jakarta
ATM RSPAD Jl.Abduracahman Saleh No.24 Jakarta Pusat KCK jakarta
ATM Thamrin Thamrin City KCK jakarta
ATM KCP Menteng Gedung menteng plaza Jl.HOS Cokroaminoto No.79 Jakarta Pusat KCK jakarta
ATM KCP Plaza Semanggi The Plaza Semanggi Lt.1 Unit L1/064 Jl.Jend.Sudirman kav.50 RT KCK jakarta
005/004 Kel.Karet Semanggi Kec.Setiabudi Jakarta
ATM KCP Senen Jl.Senen raya No.58 Kec.Senen Jakarta Pusat KCK jakarta
ATM Blok M Jl.Wolter Monginsidi 64A Santa Kebayoran Baru JakSel Kebayoran baru
ATM Cilandak Mall Cilandak Mall Lt. 1, Jl. Raya Cilandak, Kel. Cilandak Timur, Kec. Kebayoran Baru
Pasar Minggu, Jakarta Selatan
ATM ITC Cipulir Jl.Ciledug raya No.18 Jakarta Kebayoran baru
ATM ITC Fatmawati ATM Center ITC Fatmawati, Jl. RS Fatmawati No.39, Jakarta Selatan Kebayoran Baru
ATM Kalibata Kalibata City Square Jl.Kalibata Raya Kalibata-Jakarta Selatan Kebayoran baru
ATM Kemang Village Jl.Pangeran Antasari No.36 kemang, jakarta Selatan Kebayoran baru
ATM La Codevin Kemang La Codevin Building lantai 3, Jl. Kemang Raya No.8, Jakarta Selatan Kebayoran Baru
ATM LPPI Jl. Kemang Raya 35 Jakarta Kebayoran baru
ATM Mahakam Jl. Bulungan Kebayoran baru - Jakarta Selatan Kebayoran Baru
ATM Mall Pondok Indah Taman Air Pondok Indah Jl. Metro Duta Niaga Blok B5 Pondok Indah Kebayoran baru
Jaksel
ATM Pacific Place SCBD Jl.Jend.Sudirman Kav.52-53 Jakarta Selatan Kebayoran baru
ATM Ragunan Jl.Taman Marga Satwa No.64 Jakarta Selatan Kebayoran baru
ATM RS Gandaria Jl. Gandaria Tengah Kebayoran baru
ATM SPBU 34-12708 Tendean SPBU 34-127.08 Jl. Tendean, Jakarta Selatan Kebayoran Baru
ATM Square The City Walk Darmawangsa Darmawangsa Square, The City Mall, Jl.Darmawangsa VI, Jakarta Kebayoran Baru
Selatan
ATM KC Kebayoran Baru Graha Iskandarsyah, Jl. Iskandarsyah Raya No. 66 C, Kebayoran Kebayoran Baru
Baru-Jakarta Selatan
ATM KCP Arteri Pondok Indah Jl.Iskandar Muda No.28 G / Arteri Pondok Indah Jl.Kebayoran Lama Kebayoran baru
Selatan, Jakarta Selatan
ATM KCP Cilandak Komp.Ruko H,Madali Jl.Raya Cilandak KKO Kec.jagakarsa Jaksel Kebayoran baru
ATM KCP Darmawangsa Jl.Darmawangsa VI No.23 Kebayoran Baru Jakarta Selatan Kebayoran baru
ATM KCP Fatmawati Jl. Rumah Sakit Fatmawati No. 52, Cilandak, Jakarta Selatan Kebayoran Baru
ATM KCP Fatmawati 2 JL.RS Fatmawati Komp.Pertokoan Duta Mas Blok A1 No.2 Kec. Kebayoran baru
Kebayoran Baru Jaksel
ATM KCP Kebayoran Lama Jl. Ciledug Raya No.24,Cipulir, Kebayoran Lama, Jakarta Selatan Kebayoran Baru
ATM KCP Kemang Jl. Kemang Raya Jakarta Kebayoran Baru
ATM KCP Mayestik Jl.Kyai Maja No.51A RT04/01 Krl.Kramat Pela Kec.Kebayoran Baru Kebayoran Baru
Jaksel
ATM KCP Pasar Minggu Jl. Raya Pasar Minggu Km. 17 No. 11A, Kalibata, Jakarta Selatan Kebayoran Baru
ATM KCP Permata Hijau ITC Permata hijau Blok Emerald No.15 Jl.Letjen Soepono Kec. Kebayoran baru
Kebayoran Lama Jakarta Selatan
ATM KCP Pondok Indah Rukan Plaza 5 Pondok Indah No. B-08, Jl. Margaguna Raya, Kebayoran Baru
Kebayoran Baru, Jakarta Selatan
ATM KCP Tebet Jl. Tebet Barat No. 15, Pasar Tebet Barat, Jakarta Selatan Kebayoran Baru
ATM KK Blok M Blok M Square Lt. Upper Ground Unit AL01 CKS 158 Blok M Kebayoran baru
Jakarta Selatan
ATM FX Sudirman Jl.Jendral Sudirman Pintu Satu Senayan Jakarta Selatan Kebayoran Baru
652
ATM KCP Mampang Jl.Mampang Prapatan Raya No.151 RT003/001 Kec.Pancoran Kebayoran Baru/Rasuna Said
Jakarta Selatan
ATM KCP Tendean Jl.Wijaya I No.3 RT07/004 Kec.Kebayoran Baru Jakarta Selatan Kebayoran Baru/Rasuna Said
ATM CTC Jasa Marga Jasa Marga Cabang Cawang Tomang Cengkareng - Jakarta KCK Jakarta
ATM Mall Ambassador Mall Ambassador, Butik ATM Pintu Timur Lt. Dasar, Jl. Prof Dr Satrio KCK Jakarta
Kuningan, Jakarta Selatan
ATM Mall Senen (Plaza Atrium Senen) Jl.senen raya 135, Senen Jakarta Pusat KCK Jakarta
ATM Pasar Grosir Tanah Abang Pasar Tanah Abang Blok A Lt. Semi Lower Ground, Kec. Tanah KCK Jakarta
Abang, Jakarta Pusat
Introduction
ATM K.Kas Tol Jagorawi/TMII Komp. Perkantoran PT. Jasa Marga, Cabang Jagorawi, Jl. Raya KCK Jakarta
Taman Mini, Jakarta Timur
ATM KC Khusus Jakarta Jl. Jend.Sudirman Kav.2 Gd. Arthaloka Lt. Dasar, Jakarta Pusat KCK Jakarta
ATM KCP Bendungan Hilir Jl. Bendungan Hilir raya No. 92, Kec. Tanah Abang, Jakarta Pusat KCK Jakarta
ATM KCP Cempaka Mas Mega Grosir Cempaka Mas Blok F1 - F2, Jl. Letjen. Suprapto No. 1, KCK Jakarta
Jakarta Pusat
ATM KCP Cideng Jl.Cideng Timur No.87A Jakarta Pusat KCK Jakarta
Performance
ATM KCP Cikini Jl. Cikini No. 58 CD, Kel. Cikini, Kec. Menteng, Jakarta Pusat KCK Jakarta
ATM KCP Jatinegara Komplek Perkantoran Mitra Matraman Blok A2 Kavling No. 5, Jl. KCK Jakarta
Matraman Raya No. 148 - Jakarta Timur
ATM KCP Kramat Jati Jl. Raya Bogor No. 1, Jakarta Timur KCK Jakarta
ATM KCP MNC MNC plaza JL.HOS Cokroaminoto No.17-19 Kec.Menteng Jakarta KCK Jakarta
Pusat
ATM KCP Pasar Baru Jakarta Jl. Pintu Air No. 45B, Pasar Baru, Jakarta Pusat KCK Jakarta
Good Corporate
ATM KCP Rawasari Jl. Rawasari Selatan No. E/5, Kel. Cempaka Putih Timur, Kec. KCK Jakarta
Governance
Cempaka Putih, Jakarta Pusat
ATM KCP Tanah Abang Jl. K.H. Mas Mansyur No. 5, Kec. Tanah Abang, Jakarta Pusat KCK Jakarta
ATM KK Sabang Jl. H Agus Salim No. 19 Sabang Jakarta Pusat KCK Jakarta
ATM Apotek Sahabat Jl.Jendral Sudirman No.60 Kuningan Kuningan
ATM CPDP Prov. Wil. Kabupaten Kuningan Jl.Aruji Kartawinata No.8 Kuningan Kuningan
ATM Fajar Kadugede Kuningan Jl.Raya Babatan Kadegede Kuningan Kuningan
Corporate Social
Responsibility
ATM indomaret bandorasa JL. RAYA BANDORASA KUNINGAN Kuningan
ATM Rest Area Puspita Gallery Kuningan Jl. Siliwangi No. 1, Kab. Kuningan Kuningan
ATM RSUD 45 Kuningan Jl. Jend. Sudirman No. 68, Kab. Kuningan Kuningan
ATM Toserba Fajar Cigugur Jl.Raya Cigugur-Kuningan Kel.Cigugur Kec.Kuningan Kab.Kuningan Kuningan
ATM Toserba Fajar Cijoho Kuningan
ATM Toserba Fajar Jalaksana Jln Raya Kuningan - Cirebon Kuningan
ATM Toserba Puspita Gallery Jl. Siliwangi No. 95, Kab. Kuningan Kuningan
Consolidated
ATM Cabang Kuningan 2 Jl. Siliwangi, Cigembang, Kab. Kuningan Kuningan
ATM KC Kuningan Jl. Siliwangi, Cigembang, Kab. Kuningan Kuningan
ATM KCP Ciawigebang Jl. Siliwangi No. 60, Ciawigebang, Kab. Kuningan Kuningan
ATM KCP Cilimus Jl. Raya Cilimus No. 72, Kec. Cilimus-Kab. Kuningan Kuningan
ATM KCP Luragung Jl. Raya Luragung, Blok Manis, Kec. Luragung, Kab. Kuningan Kuningan
ATM KK Cibingbin Jl. Raya Cibingbin Kabupaten Kuningan. Kuningan
ATM KK Darma Jl.Raya Darma Desa Darma, Kec.Darma Kab.Kuningan Kuningan
Corporate Data
ATM KK Pertokoan Siliwangi Jl.Siliwangi no.42 Kabupaten Kuningan Kuningan

ATM KK RSIA Linggajati Jl.Raya Cilimus Ds.Bandorasa Kec.Cilimus Kab.Kuningan Kuningan
ATM Indomaret Mandalawangi Jl.Kp.Pari RT 01/01 Mandalawangi,Pandeglang Labuan
ATM Indomaret Saketi Labuan Labuan
ATM Indomaret Tarogong Indomaret Tarogong Pandeglang, Jl.Raya labuan-pandeglang Labuan

ATM Pasar Carita Minimarket Indomaret, JL. Raya Carita Km. 7 RT 09/03 Kec. Labuan, Labuan
Kab. Pandeglang
ATM SPBU Jaha Jl.Ahmad Yani,Labuan,Pandeglang Labuan
ATM KC Labuan Jl. Jend.Sudirman No.182, Kec. Labuan, Kab. Pandeglang Labuan
ATM KCP Cibaliung Jl. Sumur No. 5, Desa Sukajadi, Kec. Cibaliung, Kab. Pandeglang Labuan
ATM KCP Menes Jl. Raya Pasar Menes, Kp. Sindang Raya RT/RW 01/01,Ds. Purwaraja, Labuan
Kec. Menes, Kab. Pandeglang
653
ATM KCP Panimbang Blok Panimbang Desa Panimbang Jaya, Kec. Panimbang, Kab. Labuan
Pandeglang
ATM BORMA Majalaya Jln. Laswi Majalaya Majalaya
ATM Cipacing SPBU 34.45301 Jl.Raya Bandung Garut Km 19 Kab.Bandung Majalaya
ATM Griya Cicalengka Jl. Raya Barat No. 315, Kec. Cicalengka, Kab. Bandung Majalaya
ATM Indomaret Ciparay Jl.Raya Laswi Ciparay RT 11/03 Kel.Pakutandang Kec.Ciaparay Kab. Majalaya
Bandung 40381
ATM RSUD Cicalengka Jl. Darham No. 35, Kp. Cikopo, Kec. Cicalengka, Kab. Bandung Majalaya
ATM RSUD Majalaya Jl. Cipaku No. 87, Paseh-Majalaya, Kab. Bandung Majalaya
ATM KC Majalaya Jl. Tengah No. 3&4, Kec. Majalaya, Kab. Bandung Majalaya
ATM KC Majalaya 2 Jl.Tengah No.3-6 Kab.Bandung Majalaya
ATM KCP Cicalengka Cicalengka, Kab. Bandung Majalaya
ATM KCP Ciparay Jl. Raya Laswi No. 845, Desa Manggungharja, Kec. Ciparay, Kab. Majalaya
Bandung
ATM KCP Rancaekek Jl. Dangdeur Timur, Dusun Munggang, RT 01/08 Desa Mekargalih, Majalaya
Kec. Jatinangor, Kab. Sumedang
ATM KK Ibun Jl.Raya Majalaya Ibun Ds.Lampegan Kec.Ibun Kab. Bandung Majalaya
ATM KK Pacet Jl.Raya Pacet Kp.Maruyung RT 06/01 Kec.Pacet Kab.Bdg Majalaya
ATM Cigasong Jl. Cigasong No. 43, Kab. Majalengka Majalengka
ATM CPDP Prov. Wil. Kabupaten Majalengka Jl.K.H Abdul Halim No.108 Majalengka
ATM Pemda Majalengka Lingkungan Kantor Pemda Majalengka, Jl. Jend. Ahmad Yani No. 1, Majalengka
Kab. Majalengka
ATM RSUD Majalengka Jl. Kesehatan No. 77, Kab. Majalengka Majalengka
ATM SPBU Majalengka Jl. Raya KH. Abd. Halim Majalengka
ATM Surya Jatiwangi Jl.Raya Cirebon Bandung KM 33 Gd. Business Centre Blok Majalengka
Tegalsimpur RT 11/08 Ds. Cisambeng Kec.palasah Kab.Majalengka
ATM Toserba Surya Kadipaten Komplek Ruko Toserba Surya, Jl. Siliwangi, Kec. Kadipaten, Kab. Majalengka
Majalengka
ATM K.Kas UNMA Jl. K.H. Abdul Halim No. 103, Kab. Majalengka Majalengka
ATM KC Majalengka Jl. Kyai Abdul Halim No.224, Kab. Majalengka Majalengka
ATM KCP Cikijing Jl. KH Abdul Fatah No. 49, Kec. Cikijing, Kab. Majalengka Majalengka
ATM KCP Jatitujuh Blok Jumat Majalengka
ATM KCP Jatiwangi Jl. A. Yani No. 15, Blok Jum’at, Desa Cibolerang, Kec. Jatiwangi, Majalengka
Kab. Majalengka
ATM KCP Kadipaten Jl.Raya Timur No.45, Kec. Kadipaten, Kab. Majalengka-45452 Majalengka
ATM KCP Rajagaluh Jl. Pangeran Muhamad No. 26, Kec. Rajagaluh-45472, Kab. Majalengka
Majalengka
ATM KK Bantarujeg Jl.sudirman no.23 ds.bantarujeg kec.bantarujeg kab.majalengka Majalengka
ATM KK RSUD Cideres RSUD Cideres Ds.Cipaku Kec.Kadipaten Kab.Majalengka Majalengka
ATM KK Sumberjaya Jl.Cirebon Kadipaten Prapatan Kec, Sumberjaya Kab. Majalengka Majalengka
ATM KC Makassar Jl. Jendral Sudirman No. 54 B, Kota Makassar Makasar
ATM Bandara Sultan Hasanuddin Jl.Poros Makassar-Kab.Maros Makassar
ATM Mall Panakukang Jl.Boulevard Mall Panakkukang Makassar 90222 Makassar
ATM Ancol Jl.Pasir Putih Raya Blok E5 Jakarta Utara 14430 Mangga Dua
ATM Dufan Jl.Pasir Putih Raya Blok E5 Jakarta Utara 14430 Mangga Dua
ATM Harco Glodok Jl.Glodok Plaza, Pinangsia, Taman Sari Jakarta Utara Lantai 2 Mangga Dua
ATM Pasar Pagi Mangga Dua Pusat Grosir Pasar Pagi Mangga Dua, Jl. Mangga Dua Raya, Mangga Dua
Kelurahan Ancol, Jakarta Utara
ATM KC Mangga Dua Gedung Masterina, Jl. Mangga Dua Raya Blok F1 No. 1-3, Jakarta Mangga Dua
Pusat
ATM KCP Gunung Sahari Jl.Gunung Sahari Raya No.2 CC -Jakarta Pusat Mangga Dua
ATM KCP Hayam Wuruk Jl.hayam wuruk no.110A Kel.Hayam wuruk Jakarta Barat Mangga Dua
ATM KCP Kalideres Komp.Perumahan Citra Tujuh Blok A2 No.1 Kec.Kalideres Jakarta Mangga Dua
Barat
ATM KCP Kapuk Jl.Ruko Cordoba Blok A No.15 Bukit Golf Mediterania Pantai Indah Mangga Dua
Kapuk Jakarta Utara
654
ATM KCP Kelapa Gading Komplek Rukan Kelapa Gading Square, Jl. Boulevard Barat Blok C Mangga Dua
No. 8, Jakarta Utara
ATM KCP Kota Jl.Pintu Kecil No.58F - Jakarta Barat Mangga Dua
ATM KCP Pluit Komplek Sentra Bisnis Pluit Blok A No. 7, Pluit Sakti, Jakarta Utara Mangga Dua
ATM KCP Sunter Jl. Griya Utama Blok A, Kavling No. 33, Kel. Sunter Agung, Kec. Mangga Dua
Tanjung Priok, Kota Jakarta Utara
ATM KCP Tanjung Priok Komplek Ruko Enggano Megah Tanjung Priok, Jl. Enggano Blok Mangga Dua
C Kaveling No. 11-S, Kel. Tanjung Priok, Kec. Tanjung Priok,
Kotamadya Jakarta Utara
Introduction
ATM KK Boulevard Jakarta Jl.Boulevard Raya Blok TN 2 No.29 Kelapa Gading-Jakarta Utara Mangga Dua
ATM KK Glodok Ruko Glodok Plaza Blok H.20 Kel. Tamansari JakBar Mangga Dua
ATM KK ITC Mangga Dua ITC Mangga Dua Lantai I/D.64 Jakarta Utara Mangga Dua
ATM KCP Teluk Gong Jl.K No.35 Rt 006/009 Kec.Penjaringan Jakarta Utara Mangga Dua/Daan Mogot
ATM Bandara Kualanamu Kedatangan Kualanamu desa beringin kec.beringin kab.deli serdang Medan
ATM Galeri Thamrin Plaza /Jl. Imam Bonjol Medan Jl. Imam Bonjol Medan Medan
ATM Keberangkatan Kualanamu Kualanamu desa beringin kec.beringin kab.deli serdang Medan
Performance
ATM KC Medan Jl. Suwondo Parman No. 1, Kota Medan Medan
ATM Batujajar Jl.Raya Batujajar Kab.Bandung Barat Padalarang
ATM Borma Lembang Jl.Raya grand hotel lembang desa lembang kec.lembang kab. Padalarang
bandung barat
ATM Borma Padalarang Borma Padalarang, Jl. Raya Padalarang No. 504, Kab. Bandung Padalarang
Barat
ATM Borma Permata Gadobangkong komplek Permata Cimahi, Jl.Raya Gadobangkong Kec.Ngamprah Padalarang
Good Corporate
Kab.Bandung Barat
Governance
ATM Cililin Jl.Raya Padalarang No.427 Kab.Bandung Padalarang
ATM Cipeundeuy Jl.Raya Cipeundeuy Ds Cipeundeuy RT 01/17 Kec.Cipeundeuy Kab. Padalarang
Bandung Barat
ATM Cisarua RS Jiwa Cisarua, Jl.Kolonel Masturi No.7 Cisarua – Kab. Bandung Padalarang
Barat
ATM CPDP Kab.Bandung Barat Jl.Raya Cimareme Padalarang Kab.Bandung Barat Padalarang
Corporate Social
ATM Giant Kotabaru Parahyangan Jl.Raya Padalarang No.427 Bandung Padalarang
Responsibility
ATM Indomaret Gado Bangkong Jl.Raya Gado Bangkong No.154 Cilame,Ngamprah,Kab.Bandung Padalarang
ATM Parongpong Jl.Kol.Masturi No.288, Cih Rahayu, Parongpong Padalarang
ATM Pemkab Bandung Barat Gd. Prodomo, Komp. Perkantoran Pemkab Bandung Barat, Jl. Padalarang
Batujajar Kab Bandung Barat
ATM Rajamandala SPBU Al Ma'some Jl.Raya Rajamandala Cipatat Kab.Bandung Barat Padalarang
ATM Rest Area 88 tol Cipularang Tol cipularang km 88 arah bandung Padalarang
ATM Rest Area Km 125 Tol Padalarang-Cileunyi Km 125 Jawa Barat Padalarang
Consolidated
ATM SPBU Kota Baru Parahyangan SPBU Kota Baru Parahyangan Padalarang
ATM Cabang Padalarang 2 Jl.Raya Purwakarta No.75 Kab.Bandung Barat Padalarang
ATM KC Padalarang Jl. Raya Purwakarta No. 75, Blok Sindang Palay, Desa Kertamulya, Padalarang
Kab. Bandung Barat
ATM KCP Batujajar Jl. Raya Batujajar No. 108, Kec. Batujajar, Kab. Bandung Barat Padalarang
ATM KCP Cikalong Wetan Jl. Raya Cikalong Wetan, Dusun Warungjati, Desa Ciptagumati, Kec. Padalarang
Cikalong Wetan, Kab. Bandung Barat
Corporate Data
ATM KCP Cililin Jl. Raya Cihampelas, Ds. Cihampelas, Kec. Cililin, Kab. Bandung Padalarang
Barat
ATM KCP Cipatat Jl.Raya Raja Mandala No.387 Kec.Cipatat Kab.Bandung Barat Padalarang
ATM KCP Lembang Jl. Raya Lembang No. 258, Kec. Lembang, Kab. Bandung Barat Padalarang
ATM KCP Sindangkerta Jl.Raya Sindangkerta Padalarang Padalarang
ATM KK Cihampelas jalan raya cihampelas kecamatan cililin ds cihampelas kec. Cililin Padalarang
kab. Bandung barat (gedung kcp cililin yang lama)
ATM KK RSUD Cililin Jl.Raya Cililin Padalarang Kabupaten Bandung Barat Padalarang
ATM CPDP Prov. Wil Kab. Sukabumi II Komplek Perkantoran Jl.Jajawai Pelabuhan Ratu - Sukabumi Palabuhanratu
Palabuhanratu
ATM Pemkab Sukabumi Jl. Siliwangi No. 10, Palabuhanratu, Kab. Sukabumi Palabuhanratu
ATM Kantor Kas Warungkiara Jln. Raya Cikembang Palabuhanratu
ATM KC Palabuhan Ratu Jl. Siliwangi No. 41, Kec. Palabuhan Ratu, Kab. Sukabumi Palabuhanratu
655
ATM KCP Cisaat Jl. Raya Caringin, RT. 02/RW. 01, Desa Nagrak, Kec. Cisaat, Kab. Palabuhanratu
Sukabumi
ATM KCP Pangleseran Jl. Blok Pangleseran, Desa Sirnaresmi, Kec. Gunungguruh, Kab. Palabuhanratu
Sukabumi
ATM KCP Sagaranten Jl. Raya Baros, Kec. Sagaranten, Kab. Sukabumi Palabuhanratu
ATM KCP Surade Jl. Raya Pahlawan No. 13 RT 003 RW 001 Kelurahan Lemahputro Palabuhanratu
Kecamatan Sidoarjo Kabupaten Sidoarjo *)
ATM KK Cisolok Jl.Raya Cisolok RT 03/04 Ds.Cikahuripan Kab. Sukabumi Palabuhanratu
ATM KK Jampang Kulon Jl.Raya Cinagen No.109 Kec.Jampang Kulon Kab. Sukabumi Palabuhanratu
ATM KK Jampang Tengah Jl. Raya Bojonglopang Ds.Jampang Tengah Kab.Sukabumi Palabuhanratu
ATM KK RSUD Palabuhanratu Jl.Ahmad Yani No.2 Kec.Palabuhanratu Ka b.Sukabumi Palabuhanratu
ATM Palembang Square palembang square mall, Jl.angkatan 45/Pom IX Kel.Pako Lerek Kec. Palembang
Ilir Barat 1 Palembang
ATM Pamulang Square Gd.Pamulang Square,Jl.Raya Siliwangi,Pamulang Barat,Pamulang Palembang
Kota Tangerang Selatan
ATM PTC Mall Jl.R.Sukamto No.8 Palembang Palembang
ATM Kantor Cabang Palembang Jl.Sudirman Km.3,5 Kel.20 Ilir, Kec. Ilir Timur I, Palembang Palembang
ATM Pandeglang Town Square Jl. Raya Serang KM.3 Pandeglang Banten Pandeglang
ATM RSUD Pandeglang Jl. Raya Labuan Km. 5 Cikoneng, Kab. Pandeglang, Prov. Banten Pandeglang
ATM Cabang Pandeglang 2 Jl.Mayor Widagdo No.6 Kab.Pandeglang Pandeglang
ATM K. Kas Pemda Pandeglang Jl. A Satria W. No. 2 Kab. Pandeglang Pandeglang
ATM KC Pandeglang Jl. Mayor Widagdo No.6, Kab. Pandeglang Pandeglang
ATM KCP Picung Kampung Pasar Picung RT.02 RW.04, Desa Cililitan, Kec. Picung, Pandeglang
Kab. Pandeglang, Prov. Banten
ATM KK Pasar Pandeglang Jl. Ahmad Yani Pandeglang. Pandeglang
ATM Bandara Syarief Bandara Sultan Syarif Kasim II JL.Perhubungan Udara Bandara Sultan Pekanbaru
Syarif Kasim II Simpang Tiga-Pekanbaru
ATM Mall Ciputra Seraya Jl.Riau No.58 Pekanbaru Pekanbaru
ATM Mall Pekanbaru Jl. Jend Sudirman 123 B Mall Pekanbaru Blok A.6 Lt. 3/12 Kota Pekanbaru
Pekanbaru Riau
ATM Pasar Sukaramai Jl.Jend.Sudirman Pekanbaru Pekanbaru
ATM Plaza Citra Kompelk Mall Plaza Citra Medan Pekanbaru
ATM SPBU Rumbai Jl.sembilang rumbai-pekanbaru Pekanbaru
ATM KC Pekanbaru Jl. Jenderal Sudirman No. 391 C, Kota Pekanbaru Pekanbaru
ATM Alfamart Bojong Wanayasa Jl.Bakti No.351 RT 09/04 Kel.Wanayasa Kec.Wanayasa Purwakarta Purwakarta
ATM Alfamart Bunder Jatiluhur Jl. Bunder Pramuka No.162 Ds. Bunder Kec.Jatiluhur Purwakarta Purwakarta
ATM CPDP Prov. Wil. Kabupaten Purwakarta Jl.LL.RE.Martadinata No.22 Purwakarta Purwakarta
ATM Km 72,800 Tol Cipularang Rest Area Km 72.800 Tol Cipularang Purwakarta
ATM Pelagi Plaza Purwakarta Jl. Taman Pahlawan No. 24-26, Kab. Purwakarta Purwakarta
ATM Pemda Purwakarta jalan gandanegara no.25 Kab.Purwakarta Purwakarta
ATM Rest Area Km 97 Tol Cipularang Tol Cipularang Rest Area 97-Cipularang Purwakarta Purwakarta
ATM RS Almira Purwakarta Jl. Ipik Gandamanah Rt. 35/03 Kel. Munjuljaya, Kec. Purwakarta, Purwakarta
Kab. Purwakarta
ATM SPBU Basuki Rahmat SPBU 34.4111.26 Jl.Basuki Rahmat No.129 Kel.Sindangkasih Purwakarta
Purwakarta
ATM SPBU Veteran SPBU 34.41118 Jl.Veteran No.44 Kel.Nagri Kaler, Kab.Purwakarta Purwakarta
ATM STS Sadang Area Parkir Pintu Utama Sadang Terminal Square (STS), Jl. Raya Purwakarta
Sadang - Kab. Purwakarta
ATM Kas Mobil Purwakarta Kantor Cabang Purwakarta Purwakarta
ATM KC Purwakarta Jl. Jend Sudirman 63-64, Kab. Purwakarta Purwakarta
ATM KC Purwakarta 2 Jl Jendral Sudirman No. 63-64 Kab. Purwakarta - 41114 Purwakarta
ATM KCP Pasar Simpang Jl. Kapten Halim No. 178 RT.44/15, Kel. Sindangkasih, Kec. Purwakarta
Purwakarta, Kab. Purwakarta
ATM KCP Plered Jl. Warung Kondang No. 5A, Kec. Plered, Kab. Purwakarta Purwakarta
ATM KCP Wanayasa Jl. Raya Wanayasa RT. 07/RW. 01, Desa Wanayasa, Kec. Wanayasa, Purwakarta
Kab. Purwakarta
ATM Alfamidi Multatuli Jl.Raya Multatuli No.47 Kec.Rangkasbitung, Lebak Rangkasbitung
656
ATM Cijoro Jl.Prof.Dr.Ir.Sutami-RT 02/01 Kel.Cijoro Pasir Kp.Malangnengah Rangkasbitung

Rangkasbitung
ATM Giant Plaza Rabinza Rangkasbitung Jl.RD Hardawinangun No.60 Rangkasbitung Kab Lebak Rangkasbitung
ATM Pasar Baru Rangkasbitung Jl. Tirtayasa (Samping Toko Mas Bintang Baru), Rangkasbitung, Kab. Rangkasbitung
Lebak, Prov. Banten
ATM KC Rangkasbitung Jl. P.Derus No. 4, Rangkasbitung, Kab. Lebak, Prov. Banten Rangkasbitung
ATM KC Rangkasbitung 2 Jl.Patih Derus No.4 Rangkasbitung Rangkasbitung
ATM KCP Bayah Jl. Raya Karang Taraje Kec. Bayah – Banten Rangkasbitung
Introduction
ATM KCP Cipanas Rangkasbitung Blok Citatah, RT.02 RW.04, Desa Bintang Resmi, Kec. Cipanas, Kab. Rangkasbitung
Lebak, Prov. Banten
ATM KCP Maja Rangkasbitung Jl. Raya Maja No. 66, Blok Pasar Maja Desa Maja, Kec. Maja Rangkasbitung
Kabupaten Lebak
ATM KCP Malingping Rangkasbitung
ATM KCP Pemkab Lebak Jl. Kapugeran I No 3, Blok Kapugeran, Kel. Rangkasbitung Barat, Rangkasbitung
Kec. Rangkasbitung, Kab. Lebak
ATM Plaza Festival Mall Plaza festival Komp.rasuna epicentrum jl.h.r.rasuna said kav 22 Rasuna Said
Performance
kel kuningan timur kec.setiabudi 12940 jakarta selatan
ATM Senayan City Mall Senayan City Jl.Asia Afrika Lot 19 Jakarta Selatan 10270 Rasuna Said
ATM KC Rasuna Said Jl.Hajjah Rangkayo Rasuna Said Blok X2 Kav.6 Jakarta Selatan Rasuna Said
ATM Kalimalang 2 Jl. Inspeksi Saluran No. 1, Kalimalang, Jakarta Timur Rawamangun
ATM Plaza Podok Gede Jl. Raya Pondok Gede, Kel. Jatiwaringin, Kec. Pondok Gede, Kota Rawamangun
Bekasi
ATM Rawamangun Square Rawamangun Square, Jl. Pegambiran No. 55, Rawamangun, Jakarta Rawamangun
Good Corporate
Governance
Timur
ATM KC Rawamangun Jl. Pemuda No. 97, Kec. Pulogadung - Jakarta Timur Rawamangun
ATM KCP Cipinang Pasar Induk Beras Cipinang Blok HA 7-8, Jakarta Timur Rawamangun
ATM KCP Duren Sawit Jl.Raden Inten Centre No.9 Jakarta Timur Rawamangun
ATM KCP Kalimalang Jl. Inspeksi Kalimalang, Komplek Billy Moon Blok M-I Kaveling No. Rawamangun
3F, Jakarta Timur
ATM KCP Klender Jl.Merah Raya No.28 Kel.Malaka Jaya Duren Sawit Jakarta Timur Rawamangun
Corporate Social
Responsibility
ATM KCP Kranggan Mas ATM Center Lobby Utama Lt. Dasar Pasar Kranggan Mas, Jl. Raya Rawamangun
Jatisampurna, Kel. Jatisampurna, Kec. Jatisampurna, Kab. Bekasi
ATM KCP Pasar Rebo Rukan graha zarima jl.TB Simatupang pasar rebo jakarta timur Rawamangun
ATM KCP Pondok Gede Jl. Jatiwaringin No.76 C, Podokgede - Kota Bekasi Rawamangun
ATM KCP Pondok Kelapa Jl.Pondok Kelapa Raya No.1C Duren Sawit Jakarta Timur Rawamangun
ATM KCP Pramuka Jl.Pramuka Raya No.10 Kel.Rawasari Kec.Cempaka Putih Jakarta Rawamangun
Timur
ATM KCP Pulogadung Pulogadung Trade Center Blok A 1 No. 8, Jl. Raya Bekasi Kawasan Rawamangun
Consolidated
Industri PT. JIEP, Jakarta Timur
ATM Citraland Gedung Mall Ciputra, Lantai LG Unit ATM I,J,K Jl.Aretri S.Parman S.Parman
Grogol Jakarta
ATM KC S.Parman Jl.Letjen S.Parman kav.19 RT014/02 Kec.Palmerah Jakarta Barat S.Parman
ATM KCP Palmerah Jl.Palmerah Utara No.49A Kec.tanah Abang Jakarta Pusat S.Parman
ATM KC Saharjo Jl.Dr.Saharjo No.111 Kec.Tebet Jakarta Selatan Saharjo
ATM KCP Dewi Sartika Jl.Tebet Barat Dalam IV L No.7A RT12/006 Kec.Tebet Jakarta Selatan Saharjo
Corporate Data
ATM Bandara Ahad Yani Semarang Jl.Puad Ahmad Yani Semarang 50145 Semarang
ATM Banyumanik Jl.Jati Raya No.17 Banyumanik, Semarang Semarang
ATM Citraland Semarang Jl.Simpang lima no.01 semarang Semarang
ATM Giant Superdome Jalan Jenderal Sudirman Semarang Semarang
ATM Java Mall Jl.Letjen MT Haryono No.992-994 Semarang Semarang
ATM Sisingamangaraja Jl.Sisingamangaraja No.24 Semarang Semarang
ATM SPBU Kali Garang Jl.kaligarang No.16 Semarang Semarang
ATM Stasiun Tawang semarang Semarang
ATM Tlogosari Jl.Raya Tlogosari II No.49 Semarang Semarang
ATM Visionland Semarang Jl. Raya Soekarno - Hatta KM.26 Kec. Bergas, Kab. Semarang Semarang
ATM KC Semarang Jl. Ahmad Yani No. 149, Kota Semarang Semarang
ATM KCP Ungaran Jl. Gatot Subroto No. 77 Ruko No. 5, Ungaran, Kab. Semarang Semarang
657
ATM Asem Cikande Jl.Raya Cikande-Rangkasbitung Km 1 Desa Cikande Kec.Cikande Serang

Kab.Serang
ATM Ciceri SPBU SPBU 34.42113 Jl.Jendral Sudirman No.6 Ciceri-Serang Serang
ATM Ciruas SPBU 34.42.133 Jl.Raya Ciruas-Pontang Serang
ATM Gd. Graha Pena Radar Banten Gedung Graha Pena Radar Banten, Jl. Lingkar selatan, Kota Serang Serang
- Prov. Banten
ATM Graha Asri Jl.Atut Sulastri Raya Kav.A2 No.2 Taman Graha Asri Serang
ATM Hotel Ratu Serang Jl.KH.Abdul Hadi No.66 Kel.serang Kec.Serang Kab Serang Serang
ATM Indomaret Polda Banten Indomaret Depan Polda Banten, Jl.Syeh Nawawi Al-Bantani, Kota Serang
Serang, Prov. Banten
ATM Indomaret Sudirman Serang Jl. Jend. Sudirman Serang sumur peucang serang Serang
ATM Klinik Wahyu Dharma Medika Cipocok Klinik Wahyu Dharma Medika, Jl. Raya Petir Km. 5, Cipocok Jaya, Serang
Serang
ATM Mall Of Serang Jl. Akses Tol Sertim Serang
ATM Mall Serang Lower Ground Mall Serang, Jl. Veteran No.6, Kota Serang, Prov. Serang
Banten
ATM Pemda Serang Komplek Pemda Serang - Prov. Banten Serang
ATM Royal Farma Serang Apotek Royal Farma JL. S.A. Tirtayasa No. 79, Serang, Prov. Banten Serang
ATM RS Benggala Serang Benggala Serang Serang
ATM RSIA Budi Asih Jl.KH Soharu No.39 Serang Serang
ATM Samsat Kota Serang jl. Syeh Nawawi Al Bantani No. 3 Kota Serang Serang
ATM SPBU 34-42111 Ciracas SPBU 34-42111, Jl. Kolonel Tb. Suwandi/Jl. Lingkar Selatan Ciracas, Serang
Serang
ATM SPBU Kragilan Serang Kragilan Serang Serang
ATM SPBU Palima SPBU 34-42125 Jl.Raya Palka Km 4.5 Sindangsari Serang-banten Serang
ATM STIE Bina Bangsa Jl.Raya Serang-Jakarta Km 03 No.1B (Pakupatan) Serang-Banten Serang
ATM Taman Ciruas Taman Ciruas dengan alamat Jl.Raya Serang Jakarta RT 03/02 Serang
Serang
ATM Universitas Serang Raya (USERA) Jl.Kaujon-Serang Serang
ATM Cabang Serang 2 Jl. Veteran No. 6 Serang
ATM K.Kas KP3B Kawasan Pusat Pemerintahan Provinsi Banten (KP3B), Kantor Dinas Serang
Pengelolaan Keuangan dan Aset Daerah, Jl. Syech Nawawi Al-
Bantani, Pallima, Serang, Prov. Banten
ATM K.Kas Rau Jl.Sema'un Bakri No.16 Pasar Rau, Serang-42111, Prov. Banten Serang
ATM K.Kas RSUD Serang Jl. Rumah Sakit No. 1, Kota Serang, Prov. Banten Serang
ATM Kas Mobil Serang Kantor Cabang Serang Serang
ATM KC Serang Jl. Veteran No.6, Kota Serang, Prov. Banten Serang
ATM KCP Baros Serang Blok Cikedokan, Kel. Baros, Kec. Baros, Kab. Serang Serang
ATM KCP Cikande Jl. Raya Serang Jakarta Km. 72, Kampung Pos Tambak Blok Asem Serang
Desa Tambak, Kec. Cikande, Kab. Serang
ATM KCP Ciruas Jl. Raya Jakarta, Kampung Kwaron, Desa Citeureup, Kec. Ciruas, Serang
Kab. Serang
Jl. Raya Serang Km. 8, RT. 003/RW. 001, Desa Kramatwatu, Kec. Serang
ATM KCP Kramatwatu
Kramatwatu, Kab. Serang, Provinsi Banten
ATM KCP Palima Kp.Andmoi RT 01/01 Desa Sukawana Kec.Curug Kota Serang Serang
ATM KK BATUJAYA Pasar Batujaya Jl.Raya Batujaya Tanjung Pakis Kab. Karawang Serang
ATM KK Bojonegara Jl.Raya Sumuranja Ds.Sumuranda Kec.Puloampel Kab.Serang Serang
ATM KK Ciomas Ruko Hj.Sarwiti Pasar Ciomas Sebelah LPK Ciomas Kab.Serang Serang
ATM KK CIPOCOK Jl.Raya Petir RT 01/06 Kelurahan Cipocok Jaya Kota Serang Serang
ATM KK Jawilan Jl.raya cikande rangkasbitung KM 12 Kp.Nangela ps.ds.nangela kec. Serang
kopo serang
ATM KK Karangantu Perum Mina Bakti Blok A1 No.78 kec.Karangantu serang Serang
ATM KK Lapenta Serang Serang
ATM KK Pasar Lama Serang JL. M. Hasanudin No.11 Pasar Lama Kota Serang Serang
ATM KK Petir Jl.raya petir tunjung teja Kp.kebon sawo RT 04/02 Desa mekar baru Serang
serang
ATM KK Tirtayasa Jl.Ciptayasa Desa Pontang Kecamatan Pontang Kab. Serang Serang
658
ATM Alfamart Bojongsukamukti Jl.Bojong Sukapeuris No.72 Kel.Sukamukti Kec.Ketapang Kab. Soreang
Bandung
ATM Borma Katapang Jl.Terusan Kopo Katapang Soreang-Kab.Bandung Soreang
ATM Borma Rencong Jl.Raya Banjaran Km 28 Soreang
ATM Borma TKI Komplek Perumahan Taman kopo Indah II Soreang
ATM Indomaret Dayeuhkolot JL. DAYEUH KOLOT NO.294 RT.03 RW.07 Kec.Andir Kab.Bandung Soreang
ATM RS Al-Ikhsan Jl. Kiastramanggala, Baleendah, Kab. Bandung Soreang
ATM RSUD Soreang JL. Alun-alun Utara No. 1, Kec. Soreang, Kab. Bandung Soreang
Introduction
ATM Samsat Soreang Kantor Samsat Soreang, Jl. Raya Gading Tutuka, Soreang, Kab. Soreang
Bandung
ATM KC Soreang Jl. Raya Soreang Km 17 Soreang, Kab. Bandung Soreang
ATM KC Soreang 2 Jl. Raya Soreang Km 17 Soreang, Kab. Bandung Soreang
ATM KCP Al-Ihsan Jl. Kiastramanggala, Baleendah, Kab. Bandung Soreang
ATM KCP Banjaran Jl. Raya Banjaran No. 7, Desa Kemasan, Kec. Banjaran, Kab. Soreang
Bandung
ATM KCP Ciwidey Jl. Raya Soreang-Ciwidey, Desa Tenjolaya, Kec. Pasirjambu, Kab. Soreang
Performance
Bandung
ATM KCP Dayeuhkolot Jl. Bojongsoang No. 85, Desa Bojongsoang, Kec. Bojongsoang, Kab. Soreang
Bandung
ATM KCP Katapang Jl. Terusan Kopo No. 62, Katapang, Kab. Bandung Soreang
ATM KCP Kopo Sayati Jl. Kopo Bihbul No. 165, Kec. Margahayu, Kab. Bandung Soreang
ATM KCP Pangalengan Jl. Raya Pangalengan No. 440, Kec Pangalengan, Kab. Bandung Soreang
ATM KK Margaasih Jl. Jati Utama Blok A1 No.10 Margaasih Kabupaten Bandung Soreang
Good Corporate
Governance
ATM KK Pameungpeuk Jl. Raya Banjaran Blok Nambo Kec.Pameungpeuk Kab.Bandung Soreang
ATM KK Pasar Soreang Jl. Raya Soreang No.155 Soreang Kabupaten Bandung Soreang
ATM KK Rancakaeke Trade Centre (RTC) jl. Rancaekek - Majalaya km 1 Kabupaten Bandung Soreang
ATM PPTSP Pemkab Bandung Komplek Pemda Kabupaten Bandung, Jl. Raya Soreang Km. 17, Soreang
Soreang, Kab. Bandung
ATM Indomaret Ciasem JL. RAYA CIASEM NO. 17 Kel.Ciasem Tengah Kec. Ciasem Kab. Subang
Subang
Corporate Social
Responsibility
ATM Pemda Subang Jl.Dewi Sartika No.02 Subang Subang
ATM RSUD Subang Jl. Brigjen Katamso No. 7 Subang
ATM Sari Ater Hot Spring Resort Sari Ater Hot Spring Resort, Jl. Raya Ciater, Kab. Subang Subang
ATM Toserba Grand Yogya Subang Jl. Otista No. 75-77 Kabupaten Subang Subang
ATM Cabang Subang 2 Jl.Jend.A.Yani No.2 Kab.Subang Subang
ATM KC Subang Jl.Jend.A.Yani No.2, Kab. Subang Subang
ATM KCP Ciasem Jl. A. Yani - Rawasari RT.014/007, Desa Sukamandijaya, Kec. Subang
Consolidated
Ciasem, Kab. Subang
ATM KCP Jalan Cagak Desa Jalancagak, Kec. Jalancagak, Kab. Subang Subang
ATM KCP Kalijati Jl. Raya Tugu Selatan, Desa Kalijati Timur, Kec. Kalijati, Kab. Subang Subang
ATM KCP Pagaden Jl. Ahmad Yani No. 174, Kampung Lengkong RT/RW 02/01, Desa Subang
Pagaden, Kec. Pagaden Baru, Kab. Subang
ATM KCP Pamanukan Jl. Yon Martasasmita No.6, Kec. Pamanukan - Kab. Subang Subang
ATM KK Samsat Subang Jl.Karel Satsuit Tubun No.8 Kabupaten Subang Subang
Corporate Data
ATM Alfamart Cikutra-Cibeunying Jl.Cikutra No.151 RT 02/05 Kel.Nengla Sari Kec.Cibeunying Kaler Suci
Kota Bandung
ATM Bandara Husein Sastra Negara Terminal Bandara Udara Husein Sastranegara, Jl. Padjadjaran No. Suci
159, Kota Bandung
ATM Borma Antapani Toserba Borma Antapani, Jl. Ters Jakarta No. 53, kota Bandung Suci
ATM Borma Cigadung Toserba Borma Cigadung, Jl. Cikutra Barat No. 66, Kota Bandung Suci
ATM Borma Margacinta Jl. Margacinta No. 244, Kota Bandung Suci
ATM Borma Pasir Impun Borma Pasir Impun-Arcamanik, Jl.AH Nasution No.137 Arcamanik- Suci
bandung
ATM Car Wash Antapani Jl.Terusan Jakarta No.225 Bandung Suci
ATM Cisanggarung Gedung PT.Telkom, Jl.Cisanggarung No.2 Bandung Suci
ATM Ekuitas 2 Jl.PHH Mustopa No.31 Bandung Suci
ATM Ekuitas 3 Jl.PHH Mustopa No.31 Bandung Suci
659
ATM Griya Cinunuk Griya Cinunuk, Jl. Cinunuk- Cibiru, Kab. Bandung Suci
ATM Griya Dinasty Kiaracondong ATM Center Griya Dinasty Kiaracondong, Jl. Kiaracondong, Kota Suci
Bandung
ATM Indomaret Ahmad Yani Bandung Jl. Jendral Ahmad Yani No 269 Rt 01/08 Suci
ATM Indomaret Ahmad Yani Bandung JL. RAYA AHMAD YANI NO.723 RT04 RW07 KEL PADASUKA Kec. Suci
Cibeunying Kidul Kota Bandung
ATM Indomaret Arcamanik Arcamanik Endah No.60 Mekarjaya Bandung Suci
ATM Indomaret Cikutra Bandung Jl. Cikutra No 310 Rt 03/02 kel Neglasari Suci
ATM Indomaret Cipadung Jl. Raya Cipadung No 97 Kel Cipadung Suci
ATM Indomaret Jalaprang Jl.Jalaprang No.36 Kota Bandung Suci
ATM Indomaret PHH Mustofa Jl.PHH Mustopa , Cibeunying Kidul Kota Bandung Suci
ATM Indomaret Terusan jakarta Jl. Terusan Jalan Jakarta no 31 Rt07/12 Suci
ATM Lucky Square Lucky Square, Jl. Terusan Jakarta No. 2, Kota Bandung Suci
ATM PDAM Tirtawening Jl. Badak Singa No. 10, Kota Bandung Suci
ATM RSUD Ujung Berung Jl.Rumah Sakit No.22 Bandung Suci
ATM SPBU 34-401.28 Surapati SPBU 34-401.28, Jl. Surapati No. 119, Kota Bandung Suci
ATM SPBU 34-402.36 Laswi SPBU 34-402.36, Jl. Laswi No. 136-140, Kota Bandung Suci
ATM SPBU A.H Nasution Jl. A.H Nasution, Kota Bandung Suci
ATM STIE Ekuitas Jl.PHH.Mustopa No.31 Bandung Suci
ATM Supratman Jl Wr Supratman 66 Bandung Suci
ATM Cabang Suci 2 Jl.P.H.H.Mustopa No.66, Kota Bandung Suci
ATM Cicadas Jl.Jend.Ahmad Yani No.374-378 Kota Bandung Suci
ATM KC Suci Jl.P.H.H.Mustopa No.66, Kota Bandung Suci
ATM KCP Antapani Jl. Terusan Jakarta No. 109 F, Kec. Antapani, Kota Bandung Suci
ATM KCP Cibiru Jl.AH Nasution RT02/01 Kel.Pasanggrahan Kec.Ujungberung Kota Suci
Bandung
ATM KCP Cicadas Jl. A. Yani No. 414, Kota Bandung Suci
ATM KCP Cicaheum Surapati core Jl.PHH Mustofa No.39 Bandung Suci
ATM KCP Martadinata Jl. Laksamana Laut Raden Edi Martadinata No. 106, Kec. Bandung Suci
Wetan, Kota Bandung
ATM KCP Ujung berung Jl. A.H Nasution No. 131 Kecamatan Ujung Berung Bandung *) Suci
ATM KK A.H. Nasution Jl.AH Nasution Kel.pasanggrahan kec.ujung berung Bandung Suci
ATM CPDP Prov. Wil. Kabupaten Sukabumi Cibadak Jl.Kaum Ds.Karang Tengah Kec.Cibadak Sukabumi Sukabumi
ATM CPDP Prov. Wil. Kota Sukabumi Jl.RE.Martadinata No.10 Sukabumi Sukabumi
ATM Mall Selamet Sukabumi Jl. R.E. Martadinata No. 96, Kota Sukabumi Sukabumi
ATM Mayofield Mall Sukabumi Jl. Jend. Ahmad Yani, Kota Sukabumi Sukabumi
ATM PDAM Bayangkara Jl.Bhayangkara No.207 Sukabumi Sukabumi
ATM RS Ass-Syfa l.Jendral Sudirman No.3 Sukabumi. Sukabumi
ATM RSUD R.Syamsudin Sukabumi Jl. Rumah Sakit No. 1, Kota Sukabumi Sukabumi
ATM SPBU Ciaul Sukabumi Jalan RA Kosasih Ciaul Sukabumi Sukabumi
ATM SPBU Lembur Situ Jl.Pelabuhan II Km 7 Lembursitu Kota Sukabumi Sukabumi
ATM Sukabumi Indah Plaza Jl.RE Martadinata No.25 Sukabumi Sukabumi
ATM KC Sukabumi Jl. Jend. A.Yani No.35-37, Kota Sukabumi Sukabumi
ATM KC Sukabumi II Jl. A. Yani No. 35, Kota Sukabumi Sukabumi
ATM KCP Ciawul Jl.RA Kosasih RT 01/12 Kel.subang jaya kec.cikole no.3 sukabumi Sukabumi
ATM KCP Cibadak Jl. Perintis Kemerdekaan Ruko No. 20 C, Cibadak - Sukabumi Sukabumi
ATM KCP Cicurug Jl. Siliwangi No. 86 A, Kec. Cicurug, Kab. Sukabumi Sukabumi
ATM KCP Pasar Pelita Komp. Bekas Emplasemen PJKA Sukabumi Jl Pelabuhan Kel Tipar Sukabumi
Kec Citamiang
ATM KCP Sukaraja Kp. Sukaraja Sukabumi Sukabumi
ATM KK Lembur Situ Jl. Palabuhan II Km.7 Kec. Lembur Situ, Kab. Sukabumi Sukabumi
ATM KK Parung Kuda Jl.Raya Parung Kuda RT 09/04 Kec.Parung Kuda Kab.Sukabumi Sukabumi
ATM KK RSUD Sekarwangi Jl. Siliwangi No. 49 Kota Sukabumi Sukabumi
ATM Ciumbuleuit (indomaret) Jln. Ciumbeluit No. 153 (Indomart Ciumbeluit) Sukajadi
660
ATM Daarut Tauhid Gegerkalong Pondok Pesantren Daarut Tauhid (DT) Jl. Gegerkalong Girang Baru Sukajadi
No. 4, Kota Bandung
ATM Geger Kalong/Sarijadi Jl. Gegerkalong hilir no 75 Sukajadi
ATM Indomaret Jalan Jurang JL. JURANG NO.69 RT.02 RW.02 Kel.Pasteur Kec.Sukajadi Kota Sukajadi
Bandung
ATM Indomaret Sindang Sirna Jl.Sindang Sirna No.39 Bandung Sukajadi
ATM Indomaret Sukajadi Bandung Jl. Sukajadi no 5, Sukajadi Bandung Sukajadi
ATM Indomaret Surya Sumantri Jl. Prof. Dr. Surya Sumantri No. 82 Sukajadi
Introduction
ATM Kampung Gajah Kampung Gajah, Jl. Kol. Masturi Km. 3,8, Cihideung-Parongpong, Sukajadi
Bandung
ATM Rest Area Pasteur Tol Pasteur Km 01+100 Pasteur Sukajadi
ATM RSHS Rumah Sakit Dr. Hasan Sadikin, Jl. Pasteur No. 38, Kota Bandung Sukajadi
ATM Setrasari Setrasari Mall Jl. Setrasari , Bandung Sukajadi
ATM SPBU Setiabudi Jln. Dr. Setiabudi No. 47. Bandung Sukajadi
ATM K.Kas PVJ Pusat Perbelanjaan Paris Van Java (PVJ), Glamour Level Unit No. GL- Sukajadi
B-12, Jl. Sukajadi No. 137-139, Kota Bandung
Performance
ATM KC Sukajadi Jl. Sukajadi No. 216, Kota Bandung Sukajadi
ATM KC Sukajadi 2 Jl.Sukajadi No.216/Jl.Karangsari No.54 Bandung Sukajadi
ATM KCP Cihampelas Ruko Promenade, Jl. Cihampelas No. 119 A, Kota Bandung Sukajadi
ATM KCP Pasteur Jl. Surya Sumantri No. 37, Kota Bandung Sukajadi
ATM KCP Sarijadi Jl.Sarijadi Blok 3 No.7 Bandung Sukajadi
ATM KCP Setiabudi Jl. Doktor Setiabudi No. 169 E, Kota Bandung Sukajadi
Good Corporate
ATM KK Ciwalk Jl.Cihampelas No.160 Blok FF 02&03 Lt.1 Bandung Sukajadi
Governance
ATM CPDP Prov. Wil. Kabupaten Cirebon I Sumber Jl.Sunan Kalijaga No.8 Kab.Cirebon Sumber
ATM CPDP Prov. Wil. Kabupaten Cirebon II Ciledug Jl.Walangsungsang Km.50 Ciledug Sumber
ATM Pasar Batik Trusmi Jl.Syekh Datu Kahfi (Trusmi) No. 148 Kel.Trusmi Kec.Weru Kab Sumber
Cirebon
ATM Ramayana Weru Jl.Raya Plered Kecamatan Weru Kabupaten Cirebon Sumber
ATM RSUD Arjawinangun RSUD Arjawinangun, Jl. Pahlawan No. 38, Arjawinangun, Kab. Sumber
Cirebon
Corporate Social
Responsibility
ATM RSUD Waled Jl. Kesehatan No. 4 Waled, Kab. Cirebon Sumber
ATM Toserba Surya Sumber Jl. Dewi sartika No. 3 Tukmudal Sumber - Kab. Cirebon Sumber
ATM K.Kas Paru Sidawangi Jl. Pangeran Kejaksan PO Box 4, Sumber, Kab. Cirebon Sumber
ATM KC Sumber Jl. Sultan Agung, Blok Pon, Kel. Sumber, Kec. Sumber, Kab. Cirebon Sumber
ATM KC Sumber 2 Jl.Sultan Agung No.3 Kab. Cirebon Sumber
ATM KCP Arjawinangun Jl. By Pass Arjawinangun RT/RW.03/02, Desa Kebonturi, Kec. Sumber
Arjawinangun, Kab Cirebon
Consolidated
ATM KCP Ciledug Jl. Merdeka Utara No. 93, Kec. Ciledug, Kab. Cirebon Sumber
ATM KCP Lemahabang Jl. Pramuka Rt 049 Rw 13, Desa Cipeujah Wetan, Kec. Sumber
Lemahabang, Kabupaten Cirebon
ATM KCP Losari Jl. Soekarno Hatta, Rt 006, Desa Losari Lor, Kecamatan Losari, Kab. Sumber
Cirebon
ATM KCP Weru Jl. Otto Iskandardinata No. 18 Desa Tegalsari, Weru, Cirebon Sumber
ATM CPDP Prov. Wil. Kabupaten Sumedang Jl.Mayor Abrurachman No.113 Sumedang Sumedang
Corporate Data
ATM Griya Jatinangor Jl. Raya Jatinangor No. 130, Kec. Jatinangor, Kab. Sumedang Sumedang
ATM Griya Sumedang Jl. Mayor Abdul Rachman No. 163, Kab. Sumedang Sumedang
ATM IPDN JL Raya Sumedang Km 20 Sumedang
ATM Jatinangor Town Square Jl. Raya Jatinangor No. 150, Kec. Jatinangor, Kab. Sumedang Sumedang
ATM Pemkab Sumedang Komplek Pemda Sumedang, Jl. P. Geusan Ulun No. 36, Kab. Sumedang
Sumedang
ATM RIPP (rencana Induk Pusat Pemerintahan) Jl.Prabu Gajah Agung No.9 Kab.Sumedang Sumedang
ATM RSUD Sumedang Jl. Palasari No. 80, Kab. Sumedang Sumedang
ATM SPBU Karapyak Jl.Prabu Gajah Agung Kel.Situ Kec.Sumedang Utara Sumedang
ATM Unpad Jatinangor/ dulu IKOPIN Komplek Kampus Universitas Padjdjaran, Jl. Raya Jatinangor Km. 21, Sumedang
Kec. Jatinangor, Kab. Sumedang
ATM Cabang Sumedang 3 Jl. Prabu Geusan Ulun No.89 Sumedang
ATM Cabang Sumedang 4 Jl. Prabu Geusan Ulun No.89 Sumedang
661
ATM KC Sumedang Jl. Prabu Geusan Ulun No. 89, Kab. Sumedang Sumedang
ATM KC Sumedang 2 Jl.Prabu Geusan Ulun 89 Kab. Sumedang Sumedang
ATM KCP Cikeruh Jl. Raya Jatinangor No.92, Kec. Jatinangor, Kab. Sumedang Sumedang
ATM KCP Cimalaka Blok Pakemitan,Desa Cimalaka, Kecamatan Cimalaka, Kabupaten Sumedang
Sumedang
ATM KCP Tanjung Sari Jl. Raya Tanjungsari, Blok Lanjung, Desa Tanjungsari, Kec. Sumedang
Tanjungsari, Kab. Sumedang
ATM KCP Ujung Jaya Lingkungan RT 11/03 Desa Ujung Jaya Kec.Ujung Jaya Sumedang Sumedang
ATM KCP Wado Jl. Raya Wado No. 62, Blok Kaum, Desa Wado, Kec. Wado, Kab. Sumedang
Sumedang
ATM KK Conggeang Dusun conggeang RT/RW 01/01 kel.conggeang wetan, kec. Sumedang
conggeang kab.sumedang
ATM KK Paseh jalan siliwangi kelurahan paseh kidul kecamatan paseh kabupaten Sumedang
sumedang
ATM City Of Tomorrow Jl.Ahmad Yani No.288 Surabaya Surabaya
ATM Jembatan Merah Plaza Jl.Taman Jayenggrono No.2 Surabaya Surabaya
ATM Plaza Marina Jl Margorejo Indah No 97-99 Surabaya Surabaya
ATM Royal Plaza/Jl Ahmad Yani Surabaya JL.AHMAD YANI NO.16-18 SURABAYA Surabaya
ATM Sky Way Waru Gunung Surabaya Jln. Mastrip No. 822 A (Gang Surya) Warugunung-Karangpilang Surabaya
Surabaya
ATM Tunjungan Plaza Jl. Basuki Rachmat 8-12 Surabaya Surabaya
ATM Tunjungan Plaza TEC (tunjungan Electronic Center) Jl. Tunjungan 5-7 Surabaya Surabaya
ATM KC Surabaya Jl. Raya Darmo No. 87 Surabaya Surabaya
ATM KCP Atum Jl.Stasiun Kota Surabaya, Stand BB 23 dan BB 25 Pasar Atum Mall Surabaya
Lantai 3 Kota Surabaya
ATM KCP Bukit Darmo office park I blok B1 no.28 jalan bukit darmo boulevard pakuwon- Surabaya
surabaya
ATM KCP Gresik Jl. Gubernur Suryo A-05, Kab. Gresik, Jawa Timur Surabaya
ATM KCP Klampis Ruko Klampis Jaya Blok 25A No 8D jln Raya Klampis SBY Surabaya
ATM KCP Perak Surabaya Jl.perak timur no.52B Surabaya Surabaya
ATM KCP Sidoarjo Jl. Raya Pahlawan No. 13 RT 003 RW 001 Kelurahan Lemahputro Surabaya
Kecamatan Sidoarjo Kabupaten Sidoarjo *)
ATM KCP Tropodo Jl.raya tropodo sidoarjo ruko sentral tropodo A9 Surabaya Surabaya
ATM Bandara Adi Soemarmo Jl.Bandara Adi Sumarmo – Surakarta Solo Surakarta
ATM Kantor Cabang Surakarta Jl. Slamet Riyadi, Surakarta Surakarta
ATM KCP Boyolali Jl.Kates No. 149 RT 03/06 Kec.Boyolali Kab.Boyolali Surakarta
ATM Alfamart Pajajaran Jl.Pajajaran No.47 Kel.Pasirkaliki Kec.Cicendo Bandung Tamansari
ATM Balubur ATM Center Pusat Belanja Balubur, Jl. Tamansari, Kota Bandung Tamansari
ATM Bandung Indah Plaza (BIP) Jl. Merdeka No. 56, Kota Bandung Tamansari
ATM Bandung Trade Center (BTC) Ground Floor No. 2, Jl. Dr. Djundjunan No. 143-149, Kota Bandung Tamansari
ATM Borma Dakota Jl. Dakota No. 109, Kota Bandung Tamansari
ATM Borma Setiabudi Jl. Setiabudi No. 150, Kota Bandung Tamansari
ATM Ciwalk Cihampelas Walk Bandung,Jl. Cihampelas No. 160, Kota Bandung Tamansari
ATM Dipatiukur Jl. Dipatiukur No.85 Kota Bandung Tamansari
ATM Dukomsel Dago Jl. Ir. H. Djuanda No. 52, Kota Bandung Tamansari
ATM Gramedia (Jl. Merdeka) Jl.Merdeka No.43 Bandung Tamansari
ATM Griya Pahlawan Jl. Pahlawan No. 10-14, Kota Bandung Tamansari
ATM Indomaret Dipatiukur 51 Indomaret Dipatiukur 51, Jl. Dipatiukur, Kota Bandung Tamansari
ATM Indomaret Kebon Kawung JL. KEBON KAWUNG NO.44 Kel.Pasirkaliki Kec.Cicendo Kota Tamansari
Bandung
ATM Indomaret Pasirkaliki Indomaret Pasirkaliki, Jalan Pasirkaliki, Kota Bandung Tamansari
ATM Istana Plaza ATM Gallery Lower Ground IP Jl. PasirKaliki No. 121 – 123 Bandung Tamansari
ATM ITB Bandung Komplek Kampus ITB Bandung Tamansari
ATM Paskal Hyper Square Jl.Pasirkaliki No.25-27 Bandung Tamansari
ATM Pemkot Bandung Komp. Pemda Kotamadya Bandung, Jl. Wastukencana No.2 , Kota Tamansari
Bandung
ATM RS Santosa Jl. Kebon Jati No. 38, Kota Bandung Tamansari
662
ATM SPBU 34.401.15 Abd. Saleh Jl. Abdurachman Saleh No.4 Bandung Tamansari
ATM SPBU 34.401.22 Dago Jl. Ir.H.Juanda No.442 Tamansari
ATM SPBU-34-40102 Wastukencana SPBU-34-40102, Jl. Wastukencana No. 36, Kota Bandung Tamansari
ATM The Plaza IBCC ATM Center The Plaza IBCC Jl. Cianjur /Jl. A. Yani No. 296, Kota Tamansari
Bandung
ATM Universitas Pendidikan Indonesia (UPI) Kampus Universitas Pendidikan Indonesia (UPI), Jl. Setiabudi No. Tamansari
229, Kel. Isola, Kec. Sukasari, Kota Bandung
ATM Cabang Tamansari 2 Jl.Tamansari No.18 Bandung Tamansari
Introduction
ATM KC Tamansari Jl. Tamansari No. 18, Kota Bandung Tamansari
ATM KCP Abdurahman Saleh Jl.Abdurahman Saleh No.74 Kota Bandung Tamansari
ATM KCP Djunjunan Jl.Dr.Djunjunan No.126-128 Kota Bandung Tamansari
ATM KCP Ir H.Juanda Jl.Ir.H.Juanda No.25 Kota Bandung Tamansari
ATM KCP Kosambi Jl.Ahmad Yani No.221-223 Blok A-13 Kota Bandung Tamansari
ATM KCP Pajajaran Jl. Pajajaran No. 84, Kota Bandung Tamansari
ATM KCP PasirKaliki Jl.Pasirkaliki No.205 Kota Bandung Tamansari
Performance
ATM KCP Pemkot Bandung Jl. Wastukencana No. 21, Kota Bandung Tamansari
ATM KCP Simpang Dago Jl. Ir. H. Juanda No. 191, Kec. Coblong, Kota Bandung Tamansari
ATM KK BEC Jl.Purnawarna No.13-15 Kota Bandung Tamansari
ATM KK BIP Jl.Merdeka No.56 Bandung Tamansari
ATM Alafamidi Merdeka Tangerang Jl. Merdeka Raya Tangerang
ATM Alfamart Binong Jl.Binong Permai F14 No.5-6 RT 007/007 Kel.Binong Kec.Curug- Tangerang
Tangerang
Good Corporate
ATM Alfamart Cengklong Kanwil 4 Tangerang
Governance
ATM Alfamart Ciledug kreo Jl.Hos Cokroaminoto (Ciledug Raya) No.3A&3B Kel.Kreo Kec. Tangerang
Larangan-Tangerang
ATM Alfamart Cipadu Jl.KH.Wahid Hasyim No.66 RT 02/07 Cipadu Larangan Kota Tangerang
Tangerang
ATM Alfamart Gardenia sepatan Jl.Raya Mauk RT 02/07 Kel.Pisangan Jaya Kec.Sepatan Kab. Tangerang
Tangerang
ATM Alfamart Hamka Jl.Prof.DR.Hamka RT 003/003 Kel.Larangan Utara Kec.Larangan- Tangerang
Corporate Social
Responsibility
Tangerang
ATM Alfamart Kebon Nanas Jl. MH. Thamrin No. 9, Cikokol, Kota Tangerang Tangerang
ATM Alfamart Kh.dewantara cipondoh Jl.KH.Dewantara No.50 RT 04/06 Kel.Gondrong Kec.Cipondoh Kota Tangerang
Tangerang
ATM Alfamart Palem raya Jl.Palem Raya No.31 RT 05/08 Cibodasari Kec.Cibodas Kota Tangerang
Tangerang
ATM Alfamart Pandan Raya Jl.Pandan Raya No.56 RT 03/13 Kel.Cibodasari,Kec.Cibodas Kota Tangerang
Tangerang
Consolidated
ATM Alfamart PLP Curug Kanwil 4 Tangerang
ATM Alfamart Pondok Arum Perum Pondok Arum No.24 RT 01/01 Kel.Nambo Raya Kec.Karawaci Tangerang
Kota Tangerang
ATM Alfamart Sewan Jl.Iskandar Muda/Sewan RT 01/03 Kel.Neglasari,Kec.Neglasari Kota Tangerang
Tangerang
ATM Alfamart Swadaya larangan Jl.Swadaya Raya RT 03/04 Larangan Indah Tangerang Tangerang
ATM Alfamidi Kuta Bumi Kanwil 4 Tangerang
Corporate Data
ATM Alfamidi Moh. Toha Tangerang Jl. Moc. Toha Tangerang Tangerang
ATM Bandara Soekarno-Hatta Terminal Keberangkatan 2D Bandara Soekarno Hatta Tangerang
ATM City Mall Tangerang/Jl Muhammad Toha Jl. Moh. Toha Km 2, Tangerang Tangerang
ATM Gedung Samsat Ciledug Samsat Ciledug Kota Tangerang, Jl.Raden Fatah Tangerang
ATM Kosambi Jl.Kosambi Timur Raya No.2 Kosambi Timur, Kosambi Tangerang Tangerang
ATM Mall Tangerang City Tangcity Mall Lt B1 Jl.Jend Sudirman No.2 Tangerang Tangerang
ATM Metropolis Town Square Jl. Hartono Raya Modern, Cikokol, Kota Tangerang Tangerang
ATM Plaza Baru Ciledug Jl.H.O.S Cokroaminoto No.1, Ciledug, Kota Tangerang Tangerang
ATM Rest Area Karang Tengah Rest Area Karang Tengah Km 13,5 Palm Square Tangerang Tangerang
ATM RSUD Tangerang Jl. Jend. A. Yani No. 9, Kota Tangerang Tangerang
ATM Samsat Kota Tangerang (Cikokol) Jl. Perintis Kemerdekaan II B, Cikokol, Kota Tangerang Tangerang
ATM SPBU Cipondoh SPBU 34-15134 Cipondoh-Tangerang Tangerang
663
ATM SPBU COCO SPBU COCO 31.151.03 Taman Royal-Tangerang Tangerang

ATM sumarecon mall serpong Summarecon Mall Serpong Jl.Boulevard Gading Serpong Kelapa Tangerang
Dua, Tangerang
ATM Terminal Kedatangan 1C Jl.HS Sastranegara No.14 Rawa Bokor Tangerang Tangerang
ATM Toserba Sabar Subur Tangerang Tangerang
ATM K.Kas Tigaraksa Tangerang Jl. Somawinata No.1, Lingkungan Gedung Sekda, Komp. Pemda Tangerang
Kab. Tangerang
ATM KC Balaraja Jl. Raya Kresek Km 0,5 Ruko No.2, Balaraja - Tangerang Tangerang
ATM KC Tangerang The Modern Golf Shop Houses No.9, Kel. Kelapa Indah, Kec. Tangerang
Tangerang, Kota Tangerang
ATM KCP Cikokol Tangerang Jl.MH Thamrin Ruko Mahkota Mas Blok J No.8 Cikokol-Kota Tangerang
Tangerang
ATM KCP Cikupa Komplek Ruko Tata Niaga Mas No. A.15, Kecamatan Cikupa, Tangerang
Kabupaten Tangerang, Propinsi Banten
ATM KCP Ciledug Tangerang Central Business District Ciledug, (Ciledug Family Mall), Ruko D2 No. Tangerang
53, Jl. HOS Cokroaminoto No. 93, Kel. Karang Tengah, Kec. Ciledug
ATM KCP Cipondoh Jl. K. H. Hasyim Ashari, Kec. Cipondoh, Kota Tangerang Tangerang
ATM KCP Curug Jl. PLP Curug Sukabakti Km 4 No. 10, Curug, Kab. Tangerang Tangerang
ATM KCP Gading Serpong Jl. Raya Serpong Km. 7 No. 111, Kel. Pakualam, Kec. Serpong Utara, Tangerang
Kab. Tangerang, Propinsi Banten
ATM KCP Global Mansion Ruko Global Mansion Tangerang
ATM KCP Jalan Merdeka/Cimone JL MERDEKA 207 TANGERANG Tangerang
ATM KCP Jatiuwung Jl. Gatot Subroto Km 5,5 No. 8 A, Jatiuwung, Kota Tangerang Tangerang
ATM KCP Kebon Besar Jl. Raya Halim Perdana Kusuma, Kel. Jurumudi Baru, Kec. Benda, Tangerang
Kota Tangerang
ATM KCP Kreo Jl.HOS Cokroaminoto Larangan Kota Tangerang Tangerang
ATM KCP Perumnas Tangerang Jl. Mendut Raya Blok N No. 21, Kabupaten Tangerang Tangerang
ATM KCP Sepatan Jl. Raya Mauk Km. 11 No. 90, Desa Sepatan, Kec. Sepatan,Kab. Tangerang
Tangerang, Propinsi Banten
ATM KCP Tangerang City Ruko Business Park Tangerang City Blok B No. 6, Kel. Babakan, Kec. Tangerang
Tangerang, Kota Tangerang, Propinsi Banten
ATM KCP Teluk Naga Kampung Melayu Barat No. II-C, RT 01/RW02 Kec. Teluk Naga, Tangerang
Kabupaten Tangerang
ATM Asia Plaza Jl. HZ. Mustofa No. 326, Kota Tasikmalaya Tasikmalaya
ATM CPDP Prov. Wil. Kabupaten Tasikmalaya Jl.Raya karangnunggal Sukaraja Kab.Tasikmalaya Tasikmalaya
ATM CPDP Prov. Wil. Kota Tasikmalaya l.Ir.H. Juanda (By Pass) Tasikmalaya Tasikmalaya
ATM Indomaret Manonjaya JL. RTA PRAWIRA ADININGRAT Kel.Manonjaya Kec.Manonjaya Kab. Tasikmalaya
Tasikmalaya
ATM Indomaret Paseh JL. PASEH RT 02/04 Kel.Tuguraja Kec.Cihideung Kota Tasikmalaya Tasikmalaya
ATM Mayasari Plaza Mayasari Plaza, Jl.Pasar Wetan Tasikmalaya Tasikmalaya
ATM Pemkot Tasikmalaya Jl. Ir. H. Juanda No. 88, Kec. Indihiang, Kota Tasikmalaya Tasikmalaya
ATM RSUD Tasikmalaya Jl. Rumah Sakit Umum No. 33, Kota Tasikmalaya Tasikmalaya
ATM SPBU Martadinata SPBU 34.46126 Jl.RE Martadinata No.202 Tasikmalaya Tasikmalaya
ATM UNSIL Tasikmalaya Universitas Siliwangi (UNSIL), Jl. Siliwangi No. 24, Kota Tasikmalaya Tasikmalaya
ATM Yogya HZ Tasikmalaya Jl. KHZ. Mustofa No. 124, Kota Tasikmalaya Tasikmalaya
ATM Kas Mobil Tasikmalaya Kantor Cabang Tasikmalaya Tasikmalaya
ATM KC Tasikmalaya Jl. Mayor Utarya No.30, Kota Tasikmalaya Tasikmalaya
ATM KC Tasikmalaya 2 Jl. Mayor Utarya No.30 Tasikmalaya Tasikmalaya
ATM KCP Ciawi Tasikmalaya Jl. Pelita I Pasar Baru Ciawi, Desa Pakemitan, Kec. Ciawi, Kab. Tasikmalaya
Tasikmalaya
ATM KCP Cikurubuk Jl. AH. Witono No. 36, Kec. Cikurubuk, Kota Tasikmalaya Tasikmalaya
ATM KCP Cipatujah Jalan Wisata Pantai Cipatujah, Desa Pasanggrahan, Kec. Cipatujah, Tasikmalaya
Kab. Tasikmalaya
ATM KCP HZ Mustofa Jl. KHZ Mustofa No. 150, Kota Tasikmalaya Tasikmalaya
ATM KCP Indihiang Blok Pasarkaler, Kel.Sirnagalih, Kec.Indihiang Kota Tasikmalaya Tasikmalaya
ATM KCP Karangnunggal Jl. Simpang Desa Simpang, Kec. Bantarkalong, Kab. Tasikmalaya Tasikmalaya
46187
664
ATM KCP Manonjaya Jl. R.T.A Prawira Adiningrat, Pasar Kulon RT.03/03, Kec. Manonjaya, Tasikmalaya
Kab. Tasikmalaya 46197
ATM KCP Mitra Batik Jl. Mitra Batik No. 61 C, Kec. Cipedes, Kota Tasikmalaya Tasikmalaya
ATM KCP Rajapolah Komp. Ruko Rajapolah Permai, Rajapolah, Kab.Tasikmalaya Tasikmalaya
ATM KCP Singaparna (KC Singaparna) Jl. Raya Singaparna Timur No. 76, Kec. Singaparna, Kab. Tasikmalaya
Tasikmalaya
ATM KK Pager Ageung Jl.Raya Pager Ageung No.77 Kabupaten Tasikmalaya Tasikmalaya
ATM Indomaret Limbangan Tegal Tegal
Introduction
ATM Koperasi Pembantik Jl.Rayu Banyu Urip No.602 Kel.Banyu Urip Alit Kel.Pekalongan Tegal
Selatan Kota Pekalongan 51131
ATM Mutiara Cahaya Swalayan Kanwil 3 Tegal
ATM Pasar Batik IBC Jl. A. Yani 573 WRDSA Tegal
ATM Rita Mall Tegal Jl. Kolonel Sugiono No. 155 Tegal Tegal
ATM KCP Pekalongan Jl. KH Mansur No. 11, Pekalongan Tegal
ATM KC Tegal Jl. Mayor Jenderal Sutoyo No. 32, Kota Tegal, Jawa Tengah Tegal
ATM KCP Banjaran Tegal Jl. Raya Banjaran, Tegal Tegal
Performance
ATM KCP Brebes Jl.Ahmad Yani No 35 Brebes Tegal
ATM Alfamart Cibaduyut Jl.Cibaduyut Raya No.155 RT 01/06 Kel.Cibaduyut Kec.Bojongloa Utama Bandung
Kidul Kota Bandung
ATM Alfamart Lengkong Jl.Lengkong Besar No.121 Kel.Cikawao Kec.Lengkong Bandung Utama Bandung
ATM Black Market/Riau II Black Market Café & Resto, Jl. Riau No.112, Kota Bandung Utama Bandung
ATM BSM BSM Mall Lantai 1 Jl.Gatot Subroto No.289 Bandung Utama Bandung
Good Corporate
ATM Circle K Pasteur Cirkle K, Jl. Dr. Junjunan No. 119, Kota Bandung (sebelah griya Utama Bandung
Governance
pasteur)
ATM City Link Bandung Jln. Peta No. 241 Bandung Komplek Mall CITY MALL Utama Bandung
ATM CPDP Prov. Wil. Kota Bandung II Kawaluyaan Jl.Kawaluyaan Raya Bandung Utama Bandung
ATM DAPEN Jl.Kejaksaan Kota Bandung Utama Bandung
ATM Dinas Pertanian Bandung Dinas Pertanian Bandung, Jl. Surapati 71, Kota Bandung Utama Bandung
ATM Drive Thru Naripan Jl. Naripan No. 12-14, Kota Bandung Utama Bandung
Corporate Social
ATM Driving Range Siliwangi Jl. Lombok No. 10, Kota Bandung Utama Bandung
Responsibility
ATM Gedung ABG ATM Center Gedung ABG, Jl. Pelajar Pejuang 45 No. 115, Kota Utama Bandung
Bandung
ATM Grand Hotel Preanger Jl. Asia Afrika No. 81, Kota Bandung Utama Bandung
ATM Indomaret Cibolerang Jl.Cibolerang No.189 RT02/07 Bandung Utama Bandung
ATM Indomaret Cicendo JL. CICENDO NO.6A RT.04 RW.02 Kel.Babakan Ciamis Ke.Sumur Utama Bandung
Bandung Kota Bandung
ATM Indomaret Karapitan JL. KARAPITAN NO.64 RT.07 RW.05 Kel.Paledang Kec.Lengkong Utama Bandung
Consolidated
Kota Bandung
ATM Indomaret Moch Toha Jl. Mohamad Toha No.115 Bandung Utama Bandung
ATM ITC Kebon Kalapa Jl. Pungkur, Kota Bandung Utama Bandung
ATM Kantor Pusat Jl.Naripan No.12-14 Bandung Utama Bandung
ATM Kartikasari Dago Kartikasari Jl. Ir. H. Djuanda No. 85-87, Kota Bandung Utama Bandung
ATM KK Margahayu Utama Bandung
ATM Mahameru Lingkungan PT. Mahameru, Jl. Cisirung Km. 2, Mohamad Toha Km. Utama Bandung
Corporate Data
6.5, Kab. Bandung

ATM Mitra Prioritas Jl. Teuku Umar No. 14, Bandung Utama Bandung
ATM Pasar Baru Trade Center ATM Center Pasar Baru Trade Center Lt. 4, Jl. Otto Iskandardinata Utama Bandung
No. 70, Kota Bandung
ATM RS Imanuel Bandung Jl.Kopo No.161 Bandung Utama Bandung
ATM RS Muhamadiyah Bandung RS Muhamadiyah, Jl. KH Akhmad Dahlan 53, Kota Bandung Utama Bandung
ATM Samsat Bandung Jl.Soekarno Hatta No. 528, Kota Bandung Utama Bandung
ATM Soekarno Hatta Jl. Soekarno Hatta No.394 Bandung Utama Bandung
ATM Stasiun Hall ATM Center Stasiun Kota Bandung, Jl. Kebon Kawung, Kota Utama Bandung
Bandung
ATM Terminal Leuwipanjang Terminal Leuwipanjang, Jl. Soekarno Hatta No. 205, Kota Bandung Utama Bandung
ATM Toserba Yogya Sunda Jl. Sunda No. 60, Kota Bandung Utama Bandung
ATM Trunojoyo Jl.Trunojoyo (Distro House), Bandung Utama Bandung
665
ATM UNLA Karapitan Universitas Langlangbuana (UNLA), Jl. Karapitan No. 116, Kota Utama Bandung
Bandung
ATM Wahana Bakti Pos ATM Center Gedung Wahana Bakti Pos, Jl. Banda No. 30, Kota Utama Bandung
Bandung
ATM Yogya Kepatihan ATM Center Yogya Kepatihan, Jl. Kepatihan No. 18, Kota Bandung Utama Bandung
ATM K.Kas Asia Afrika Jl. Asia Afrika No. 117, Kota Bandung Utama Bandung
ATM K.Kas Gedung Sate Jl.Diponegoro No.22, Kota Bandung Utama Bandung
ATM Kas Mobil KC Utama Bandung Mobil Edukasi Utama Bandung
ATM KC Utama Bandung 1 Jl. Braga No. 12, Kota Bandung Utama Bandung
ATM KC Utama Bandung 2 Jl. Braga No. 12, Kota Bandung Utama Bandung
ATM KC Utama Bandung 3 Jl. Braga No 12, Kota Bandung Utama Bandung
ATM KC Utama Bandung 4 Jl. Braga 12-14, Kota Bandung Utama Bandung
ATM KCP Cibaduyut Jl. Terusan Cibaduyut No. 33 C, Kabupaten Bandung Utama Bandung
ATM KCP Gedung Sate Jl. Cilamaya No. 5, Kota Bandung Utama Bandung
ATM KCP Jamika Jl. Jamika No. 21 A, Kota Bandung Utama Bandung
ATM KCP Kebon Kelapa Jl.Pungkur No.141 Bandung Utama Bandung
ATM KCP Kebonjati Jl. Kebon Jati No. 125, Kec. Andir, Kota Bandung Utama Bandung
ATM KCP Kopo Jl. Kopo No. 54, Kec. Astanaanyar, Kota Bandung Utama Bandung
ATM KCP Leuwipanjang Jl.Leuwipanjang No.37B Kota Bandung Utama Bandung
ATM KCP Mohamad Toha Jl. Mohamad Toha No. 131, Kec. Regol, Kota Bandung Utama Bandung
ATM KCP Otista Jl. Otto Iskandardinata No. 315, Kota Bandung Utama Bandung
ATM KCP Peta Komplek Pertokoan Kopo Plaza B.7, Jl. Peta, Lingkar Selatan, Kec. Utama Bandung
Bojongloa Kaler, Kota Bandung
ATM KCP Sudirman Bandung Jl.Jendral Sudirman No.78 Kota Bandung Utama Bandung
ATM KCP Sumbersari Jl. Soekarno Hatta No. 101-B, Kota Bandung Utama Bandung
ATM KCP Taman Kopo Indah Ruko 1 B No. 37 A-B, Jl. Taman Kopo Indah II, Kab. Bandung Utama Bandung
ATM KK Kepatihan Ruko Jl.Kepatihan No.9 Kota Bandung Utama Bandung
CDM KC Utama Bandung Jl. Braga No. 12, Kota Bandung Utama Bandung
ATM Cipaganti (Meteolrologi) JL. Cemara, No. 66, Bandung. Utama Bandung
666
Kantor Fungsional “Waroeng bjb” Functional Office “Waroeng bjb”
No Nama/Name KF Alamat /Address KF Kantor Induk/Home Office
1 KF Pasar Caringin Pasar Caringin Kav B.1 No. 22-23

2 KF Pasar Andir Pasar Andir Blok B Lt 1
3 KF Pasar Astana Anyar Pasar Astana Anyar
Cabang Utama Bandung
4 KF Pasar Baru Trade Center Pasar Baru Trade Center Lt. 4 Blok A2 No 83-85
Main Branch Bandung
5 KF Pasar Kosambi Pasar Kosambi
6 KF Jl. Sukamenak Jl. Sukamenak No. 41 Bandung
7 KF Jl. Mahmud Jl. Sadang No. 91 Kabupaten Bandung
Introduction
8 KF Pasar Baleendah Depan Pasar Baleendah
9 KF Terusan Bojong Soang Jl. Terusan Bojong Soang No. 62 E/D Dayeuhkolot
10 KF Rancamanyar Jl. Rancamanyar No. 16
11 KF Pasar Pangalengan Pasar Pangalengan
Cabang Soreang

12 KF Pasar Cibeureum Blok A No. 1-2 Pasar Cibeureum
Soreang Branch
Performance
13 KF Pasar Banjaran Pasar Banjaran
14 KF Pasar Junti Pasar Junti
15 KF Sentra Bisnis Warung Lobak Sentra Bisnis Warung Lobak
16 KF Margaasih Jl. Raya Nanjung No. 86/R3 Margaasih
17 KF Pasar Cibogo Pasar Cibogo Blok 24 No. 5
18 KF Pasar Sederhana Pasar Sederhana Lt. 2 Cabang Sukajadi
Good Corporate
Governance
19 KF Pasar Geger Kalong Pasar Geger Kalong (Jl. Gegerkalong Tengah Sukajadi) Sukajadi Branch
20 KF Pasar Parongpong Pasar Parongpong Jl. Kolonel Masturi Parongpong Bandung

21 KF Pasar Antri Jl. Sriwijaya/Pasar Antri
Cabang Cimahi
22 KF Pasar Atas Jl. Dra. Hj. Julaeha Karmita/Pasar Atas
Cimahi Branch
23 KF Pasar Cigondewah Pasar Cigondewah
Corporate Social
24 KF JL. Pungkur Jl. Pungkur No. 228 B, Bandung (Pasar Ancol)
Responsibility
25 KF JL. Ibrahim Adjie Jl. Ibrahim Adjie No. 210 Bandung
Cabang Buah Batu
26 KF Parakan Muncang Jl. Parakan Muncang (Pasar Parakan Muncang)
Buah Batu Branch
27 KF Pasar Ciwastra Jl. Ciwastra No. 287 (Pasar Ciwastra)
28 KF Terusan Buah Batu (Pasar Kordon) Pasar Kordon (Terusan Buah Batu)
29 KF JL. Raya Pacet Jl. Raya Pacet Kp. Maruyung Kec. Pacet Kab. Bandung
Cabang Majalaya
Consolidated
30 KF Pasar Sehat Cileunyi Komplek Pasar Sehat Cileunyi Kab. Bandung Majalaya Branch
31 KF Pasar Plered Pasar Plered

32 KF JL. Raya Bojong Wanayasa Jl. Raya Bojong Wanayasa Cabang Purwakarta
33 KF JL. Kapten Halim Jl. Kapten Halim Blok DA 13 Purwakarta Branch
34 KF Pasar Jumat Pasar Jumat/Golden Star Blok C1 No. 7

35 KF JL. Raya Pusakaratu Ds Pusakajati RT 01 RW 01 Desa Pusakaratu
Corporate Data
36 KF Dsn. III Cipeundeuy Dusun III Cipeundeuy RT 04 RW 02 Kel Cipeundeuy

37 KF Pasar Sukamandi Pasar Sukamandi/Rawasari RT 14 RW 07 Sukamandijaya Ciasem
38 KF Sagalaherang Jl. Raya Sagalaherang Kec. Sagalaherang/Kp. Citalutug RT 12 Cabang Subang
RW 08 Ds. Sagalaherang Kaler Subang Subang Branch
39 KF Pasar Wates Pasar Wates/Dusun Wates RT 15 RW 04 Desa Cibinong Kec.

Cibinong
40 KF Pasar Pujasera Subang Pasar Pujasera Subang
41 KF Balubur Town Square Balubur Town Square Blok D1 002 Lt Bawah
Cabang Tamansari
42 KF JL. Jamika No. 34 Jl. Jamika No. 34
Tamansari Branch
43 KF Pasar Sadang Luhur Pasar Sadang Luhur
667
44 KF Pasar Lembang Jl. Pasar Panorama/Pasar Lembang

45 KF Alun-alun Timur Kec. Cililin Bandung Jl. Alun-alun Timur Kp. Sukamanah Kec. Cililin Bandung Barat
Barat Cabang Padalarang
Padalarang Branch
46 KF Cimareme Pasar Cimareme KBB
47 KF Cipeundeuy Pasar Cipeundeuy
48 KF JL. AH Nasution Jl. AH Nasution (pinggir Jalan Sekitar UIN)
Cabang Suci
49 KF Pasar Kiara Condong Pasar Kiara Condong Lt.2/Babakan Sari 1 No. 2 Bandung
Suci Branch
50 KF Cikutra Jl. Cikutra No. 47 Bandung
51 KF Pasar Cikajang Pusat Pertokoan Pasar Cikajang
52 KF Cirapuhan Kios di Cirapuhan Kec.Selaawi Limbangan
53 KF Pasar Bandrek Pasar Bandrek Ds. Sukamerang Kec. Kersamanah Malangbong
Cabang Garut
54 KF Pasar Leles Pasar Leles Garut Branch
55 KF Pusat Perdagangan Sandang/Pertokoan Pusat Perdagangan Sandang/Pertokoan Garut Plaza
Garut Plaza
56 KF Pasar Guntur Komplek Pasar Ciawitali Terminal Guntur
57 KF JL. Raya Jatinangor Kec. Jatinangor Jl. Raya Jatinangor Sumedang
58 KF JL. Raya Tanjungsari Kec. Tanjungsari Jalan Raya Tanjungsari No. 194 Sumedang 45362
59 KF JL. Raya Darmaraja Kec. Darmaraja Jl. Raya Darmaraja Blok Kaum No. 155 Kec. Darmaraja
(Samping Masjid Darmaraja)
Cabang Sumedang
60 KF JL. Raya Buah Dua Sumedang Jl. Raya Buah Dua No. 551 RT. 3 RW. 3 Ds. Buah Dua Sumedang Branch
Sumedang
61 KF JL. Raya Situraja Kec. Situraja (Pasar Pasar Kepuh
Kepuh)
62 KF JL. Raya Cileunyi Jl. Raya Cileunyi No. 18 Bandung 40622
63 KF JL. Raya Cinagen Nagraksari Kec. Jl. Raya Cinagen No. 39 Ds. Nagraksari Kec. Jampangkulon
Jampangkulon Cabang Palabuhan Ratu
64 KF JL. Kidang Kencana Kec. Palabuhanratu Jl. Kidang Kencana No. 097 Kec. Palabuhanratu Palabuhan Ratu Branch
65 KF Rambay Kulon Cisaat Jl. Rambay Kulon Cisaat
66 KF JL. Raya Siliwangi Cicurug Jl. Raya Siliwangi Cicurug
67 KF Komp. Babakan Anyar Cibadak Jl. Suryakencana RT. 001/006/Kmp Babakan Anyar Kec. Cabang Sukabumi
Cibadak Sukabumi Branch
68 KF JL. A. Yani Kel. Cikole Kec. Cikole Jl. A. Yani No. 333 Kel. Cikole Kec. Cikole Sukabumi
69 KF JL. Mariawati Ds. Cibadak Sukaresmi Jl. Kariawati Ds. Cibadak Sukaresmi Kab. Cianjur/Jl. Mariawati
Kab. Cianjur Ds. Cibadak
70 KF JL. Raya Sukanagara Jl. Raya Sukanagara
71 KF Jl. Raya Sukabumi – Cianjur Kec. Kp. Jati Ds. Gekbrong Kec. Gekbrong Kab. Cianjur/Jl. Raya
Gekbrong Kab. Cianjur Sukabumi Cianjur Gekbrong
Cabang Cianjur
72 KF JL. Raya Cibeber Ds. Sirnagalih Kec. Jl. Raya Cibeber No. 10 Ds. Sirnagalih Kec. Cilaku Kab. Cianjur
Cianjur Branch
Cilaku Kab. Cianjur
73 KF JL. Raya Cijati Kec. Cijati Jl. Raya Cijati Kec. Cijati Kab. Cianjur/Sagaranten
74 KF Pasar Ciranjang Kp. Pasir Kaung Kav. 2 RT 01 RW 14 Kec. Ciranjang Kab.
Cianjur/Pasar Ciranjang
75 KF JL. Siliwangi Kab. Cianjur Jl. Siliwangi No. 31 Kab. Cianjur
76 KF Pasar Cisayong Tasikmalaya Pasar Cisayong Tasikmalaya
77 KF Pasar Puspahiang Pasar Puspahiang
78 KF Pasar Cineam Pasar Cineam Cabang Tasikmalaya
79 KF Pasar Karangnunggal Pasar Karangnunggal Tasikmalaya Branch
80 KF Pasar Cikatomas Tasikmalaya Pasar Cikatomas Tasikmalaya

81 KF Pasar Pancasila Tasikmalaya Pasar Pancasila Tasikmalaya
668
82 KF JL. Raya Panumbangan Jl. Raya Panumbangan No. 242 Panumbangan

Cabang Ciamis
83 KF JL. Stasiun Ciamis Jl. Stasiun Ciamis
Ciamis Branch
84 KF Pasar Kawali Pasar Kawali
85 KF Pasar Pagi, pangandaran Pasar Pagi, pangandaran kios No. 13-14-15 Blok J IPHPB
No.511.2/408-DP/PS-Prg/2002
86 KF JL. Raya Cijulang Jl. Raya Cijulang Samping Alfamart Cijulang (Dsn. Kalenwadas
RT 05/08 Cijulang)/Pasar Cijulang
Introduction
87 KF Pasar Wanareja Pasar Wanareja Cabang Banjar
Banjar Branch
88 KF Pasar Lakbok Langensari Pasar Sawit Lakbok/Pasar Lakbok Langensari
89 KF JL. Pasar Banjarsari Jl. Pasar Baru No. 44 Desa Cibadak Kec. Banjarsari Kab. Ciamis/
Pasar Banjarsari
90 KF Pasar Banjar Pasar Karang Taruna Blok AF No. 12 Banjar/Pasar Banjar
91 KF Jalan Raja Desa Jalan Raja Desa Cabang Ciamis
Performance
92 KF Jalan Raya Cikoneng Jalan Raya Cikoneng Ciamis Branch
93 KF Pasar Wetan Pasar Wetan

94 KF Pasar Pageurageung Pasar Pageurageung Cabang Tasikmalaya
95 KF Pasar Cicariang Pasar Cicariang Tasikmalaya Branch
96 KF Pasar Indihiang Pasar Indihiang
Good Corporate
97 KF Pasar Ciawigebang Pasar Ciawigebang (Ds. Ciawigebang Kec. Ciawigebang)
Governance
98 KF JL. Kepuh (Pasar Baru Kuningan) Pasar Baru Kuningan (Jl. Kepuh Lingkungan Lamepayung Cabang Kuningan
Kuningan) Kuningan Branch
99 KF Pasar Cilimus Pasar Cilimus (Jl. Raya Cilimus Kec. Cilimus Kuningan)
100 KF JL. Siliwangi Kadipaten Jl. Siliwangi No. 1 Kadipaten
101 KF Desa Talaga Kulon Kec. Talaga Desa Talaga Kulon Kec. Talaga
Corporate Social
102 KF Pasar Desa Rajagaluh Pasar Desa Rajagaluh Cabang Majalengka
Responsibility
103 KF JL. Lanud S. Sukani Mekarsari Jatiwangi Jl. Lanud S. Sukani Dsn Kliwon Ds. Mekarsari Majalengka Branch
104 KF JL. KH Abdul Halim Kel. Majalengka Jl. KH Abdul Halim No. 318 Kel. Majalengka Wetan
Wetan
105 KF Pasar Trusmi Pasar Palimanan/Pasar Trusmi
106 KF Pasar Pabuaran Pasar Pabuaran
107 KF Pasar Arjawinangun Jl. Ki Hajar Dewantara (Perempatan Pasar Arjawinangun)
108 KF Pasar Mundu Pasar Mundu Cabang Sumber Consolidated
109 KF Pasar Karangsuwung Pasar Karangsuwung Sumber Branch
110 KF Pasar Minggu Palimanan Pasar Minggu Palimanan

111 KF Pasar Losari Pasar Celancang (Ds. Purwawinangun Kec. Kapetakan)/Pasar
Losari
Corporate Data
112 KF Pasar Tukdana Jatibarang Pasar Tukdana Jatibarang

113 KF Dusun Sebrang Wetan Anjatan Utara Dusun Sebrang Wetan Anjatan Utara Kec. Anjatan
Kec. Anjatan
114 KF Pasar Gabus Jl. Raya Gantar Haurgeulis KMI (Depan Kantor Kuwu Gantar)/
Pasar Gabus Cabang Indramayu
Indramayu Branch
115 KF Desa Benda Pasar karangampel Desa Benda (Pasar Karangampel) Kec. Karangampel
116 KF JL. Raya Lelea-Jangga Kec. Lelea Jl. Raya Lelea-Jangga RT. 008/02 Kec. Lelea
117 KF Pasar Baru Ruko Blok Kel. Karang Pasar Baru Ruko Blok G No. 26 Kel. Karang Malang Indramayu
Malang Indramayu
669
118 KF JL. Winaon 1 Jl. Winaon 1

119 KF Jalan Kanggraksan Jalan Kanggraksan
120 KF Komp. Pasar Pagi JL. Siliwangi Komp. Pasar Pagi Jl. Siliwangi
121 KF JL. Pangeran Derajat Jl. Pangeran Derajat Cabang Cirebon
122 KF JL. Raya Kedawung Plered Jl. Raya Kedawung Plered Cirebon Branch
123 KF Gunung Sari Trade Center Gunung Sari Trade Center (Jl. Cipto Mangunkusumo)
124 KF JL. Perjuangan Jl. Perjuangan
125 KF Komplek Trusmi Komplek Trusmi
126 KF Pasar Krucuk Pasar Krucuk (Jl. Kramat Mulya Kec. Kramat Mulya) Cabang Kuningan
127 KF JL. Kepuh Kel. Kuningan Jl. Kepuh Kel. Kuningan Kuningan Branch
128 KF Pasar Babakan Pasar Babakan Cabang Sumber

Sumber Branch
129 KF Pasar Ceplak Pasar Ceplak (Jl. Raya Kresek Blaraja)
130 KF Pasar Ciledug Pasar Ciledug (Jl. HOS Cokroaminoto No. 9 Ciledug)
131 KF Ruko Poris Indah Kota Ruko Poris Indah Blok A98 No. 33 Kota Tangerang
Cabang Tangerang
132 KF Pasar Kuta Bumi Pasar Kuta Bumi (Ruko Pondok Rezeki CR 3 No.15)
Tangerang Branch
133 KF Pasar Kp. Melayu Barat Pasar Kp. Melayu Barat
134 KF KF JL. Rahwana Raya Perumnas II Jl. Rahwana Raya No. 31 Perumnas II Tangerang
135 KF Pasar Anyar Pasar Anyar (Jl. Cempaka Kota Tangerang)
136 KF JL. Soge Panimbang Jl. Soge Panimbang
137 KF Pasar Menes Kec. Menes Pasar Menes Kec. Menes Cabang Labuan
138 KF Pasar Cibaliung Pasar Cibaliung Labuan Branch
139 KF Pasar Labuan Pasar Baru Kec. Labuan/Pasar Labuan

140 KF JL. Ahmad Yani Pandeglang Pasar Raya Pandeglang/Jl. Ahmad Yani No. 33-40 Pandeglang
141 KF JL. Raya Serang Km. 3 Pandeglang/ Jl. Raya Serang Km. 3 Pandeglang/Pantoz Cabang Pandeglang
Pantoz Pandeglang Branch
142 KF JL. Raya Labuan - Pandeglang Jl. Raya Labuan - Pandeglang
143 KF Pasar Anyar Pasar Anyar (Jl. Raya Anyar Mancak)
Cabang Cilegon
144 KF Pasar Kranggot Pasar Kranggot (Jl. KH Wasyid)
145 KF JL. Raya Jombang Ciputat Jl. Raya Jombang No. 60 B Ciputat
146 KF JL. WR. Supratman Kota Tangsel Jl. WR. Supratman Kec. Ciputat Kota Tangsel
Cabang BSD
147 KF JL. Cimanggis Raya Kota Tangsel Jl. Cimanggis Raya Kec. Ciputat Kota Tangsel
BSD Branch
148 KF Pasar Segar Bintaro Pasar Segar Bintaro Blok RB Kota Tangsel
149 KF Pasar Ceger Pasar Ceger Raya Blok F2 No. 1 dan 2 Kota Tangsel
150 KF Pasar Cikande Pasar Cikande (Kp. Banjarsari RT. 01/02 Kec. Cikande Serang
151 KF Pasar Ciruas Pasar Ciruas (Jl. Raya Jakarta-Serang Km. 9 Kec. Ciruas Serang Cabang Serang
152 KF Pasar Baros Pasar Baros (Jl. Raya Petir Dekat Pasar Petir Serang Serang Branch
153 KF Pasar Rau Pasar Rau Blok B.01 No. 11-12 Kota Serang
154 KF Pasar Bantar Gebang Komplek Pasar Bantar Gebang
155 KF JL. Pemuda Kranji Jl. Pemuda No. 1/C Kel. Kranji Kec Bekasi Barat Cabang Bekasi
156 KF Pasar Baru Bekasi Pasar Baru Bekasi Lt. 2 Blok F 46, 47, 48 Bekasi Branch
157 KF Jalan Jatibening Jalan Jatibening No. 22
670
158 KF Jalan Proklamasi Jl. Raya Bogor (Cilodong)/Jl. Proklamasi No. 24 A Depok
159 KF Pasar Pondok Labu Pasar Pondok Labu (Jl. Raya Pondok Labu) No. 40-41 Cilandak
Cabang Depok
160 KF Radar Auri Radar Auri No. 5 Jakarta Timur
Depok Branch
161 KF Jalan Jakarta Bogor Jalan Musi Raya (Dekat Ps. Musi)/Jl. Jakarta Bogor
162 KF Jalan Raya Sawangan Jl. Raya Sawangan
163 KF JL. Ir. H. Juanda Jl. Ir. H. Juanda
164 KF JL. Raya Rengasdengklok Karawang Jl. Raya Rengasdengklok Kec. Rengasdengklok Karawang
Introduction
165 KF Pasar Gempol Kec. Banyusari Kab. Depan Pasar Gempol Kec. Banyusari Kab. Karawang
Karawang
166 KF Dsn. Turi Timur Pasar Turi Karawang Dsn. Turi Timur Pasar Turi Ds. Tanjung Jaya Kec. Tempuran Cabang Karawang
Karawang Karawang Branch
167 KF JL. Raya Klari Pertigaan Pintu Tol Jl. Raya Klari Pertigaan Pintu Tol Karawang
Karawang
Performance
168 KF Dsn. Sukamanah Kec. Teluk Jambe Dsn. Sukamanah Kec. Teluk Jambe Karawang
Karawang
169 KF Pasar Setu Pasar Setu (Jl. Raya Setu Kec. Setu Kab. Bekasi)
170 KF Pasar Tambun Pasar Tambun (Jl. Raya Tambun Kec. Tambun Bekasi)/Pasar
Cibitung
171 KF Pasar Sukatani Pasar Sukatani (Jl. Raya Sukatani) Cabang Cikarang
Good Corporate
Cikarang Branch
Governance
172 KF Pasar Cibarusah Pasar Cibarusah (Jl. Raya Cibarusah Kec. Cibarusah Kab. Bekasi)
173 KF Pasar Kedungwaringin Pasar Kedungwaringin
174 KF pasar Tarumajaya Pasar Tarumajaya
175 KF JL. Mayor Oking Citeureup Jl. Mayor Oking Citeureup (Seberang Pasar)
176 KF JL. Raya Parung Pasar Parung Jl. Raya Parung (seberang Pasar Parung)
177 KF Kp. Kelapa Cibungbulang Pasar Leuwiliang/Kp. Kelapa RT. 06/01 Desa Cimanggu II Kec,
Corporate Social
Responsibility
Cibungbulang Cabang Cibinong
178 KF Pasar Cisarua Jl. Raya Puncak (Pasar Ciawi)/Pasar Cisarua Cibinong Branch
179 KF JL. Raya Bojong Gede Jl. Raya Bojong Gede (300 m dari pasar)
180 KF JL. Raya Cileungsi Jl. Raya Cileungsi (Seberang Pasar Cileungsi)
181 KF JL. Raya Ciampea Jl. Raya Ciampea
182 KF Pasar Cikereteg Pasar Cikereteg (Jl. Raya Sukabumi)
Consolidated
183 KF Plaza Jambu Dua Plaza Jambu Dua (Jl. Ahmad Yani)
Cabang Bogor
184 KF Pasar Anyar Bogor Pasar Anyar Bogor (Jl. Nyi Raja Permas)
Bogor Branch
185 KF Pasar Bogor Pasar Bogor (Jl. Surya Kencana)
186 KF Bogor Trade Mall BTM (Jl. Ir. Djuanda)
187 KF Pasar Cipete Pasar Cipete (Jl. Raya Fatmawati Kel. Cipete Utara Kebayoran
Baru)
Corporate Data
Cabang Kebayoran Baru

188 KF Pasar Jaya Cidodol Pasar Jaya Cidodol (Jl. Raya Panjang Cidodol Kebayoran Lama) Kebayoran Baru Branch
189 KF JL. Raya Pasar Minggu Jakarta Selatan Jl. Raya Pasar Minggu Jakarta Selatan
671
190 KF Pasar Burung Pasar Burung

191 KF Pasar Jambul Baru Pasar Jambul Baru
192 KF Pasar Tanah Abang Pasar Tanah Abang Blok F2 Lt. 3
193 KF Pasar Rumput Jatinegara Pasar Rumput Jatinegara KCK Jakarta
194 KF Tomang Pasar Tomang
195 KF Pasar Palmerah Disekitar Pasar Palmerah
196 KF Pasar Senen Jaya Pusat Perdagangan Senen
197 KF Johar Baru Pasar Johar Baru
198 KF Pasar Kedoya Jl. Lingkar Luar Barat Cengkareng Jakarta Barat/Pasar Kedoya
Cabang Hasyim Ashari
199 KF JL. Stasiun Angke Jembatan Lima Jakarta Jl. Stasiun Angke No. 15 Jembatan Lima Jakarta Barat Hasyim Ashari Dua Branch
Barat
200 KF Atrium Pondok Gede Atrium Pondok Gede B1 No. 1 Jl. Jatiwaringin No. 1 Bekasi
201 KF PIK Pulogadung Blok C1 Pusat Grosir PIK Pulogadung Jl. Raya Penggilingan
Jaktim
202 KF Pasar Ciracas Pasar Ciracas A.L01 BKS 001-003 Jl. Raya Ciracas Jakarta Timur Cabang Rawamangun
203 KF JL. Wijaya Kusuma Pasar Perumnas Jl. Wijaya Kusuma No. 4 (samping Pasar Perumnas Klender) Rawamangun Dua Branch
Kec. Duren Sawit
204 KF Jalan Jatinegara Jl. Basuki Rahmat RT 06/10 Jatinegara Jaktim
205 KF Pasar Rawamangun Jl. Rawamangun (dalam Pasar Rawamangun)
206 KF JL. Cemara Ujung Jakarta Utara Jl. Cemara Ujung No. 44 A5, Jakarta Utara Cabang Mangga Dua
207 KF JL. KH. Mas Mansyur Jakarta Jl. KH. Mas Mansyur No. 119A, Jakarta Mangga Dua Branch
672
UNIT LAYANAN bank bjb bank bjb Services Unit
Unit Layanan bjb Prioritas / bjb Priority Unit

Kantor Lokasi Telepon Fax
No
office Location Phone Fax
1. Bandung Jl. Teuku Umar No. 14 Kota Bandung 022-2516210 022-2533813
2. Jakarta Jl. Jend. Sudirman Kav. 2 Gd. Arthaloka Lt. Dasar Jakarta 021-2511448 021-2511450
Pusat
3. Serang Jl. Veteran No. 6 Serang - 42117, Prov. Banten 0254-200190 0254-205640
4. Cirebon Jl. Siliwangi No.30 Cirebon - 45123 0231-202584 0231-201583
Introduction
Unit Sentra UMKM / SMEs Unit
Kantor Lokasi Telepon Fax
No
office Location Phone Fax
1. Bandung Raya Jl. Ir. H. Juanda No. 191 Kec. Coblong, Kota Bandung 022-2534836, 022-2534820
Performance
2510600
2. Banten Jl. Veteran No. 6 Serang - 42117, Prov. Banten 0254-214248 0254-214282
3. Priangan Timur Jl. Mayor Utarya No. 30 Kota Tasikmalaya 0265-322450 0265-322150
4. Cirebon Jl. Siliwangi No. 30 Kota Cirebon 0231-202584, 0231-201583,
202585 239974
5. Pakuan Komp. Perkantoran Pemda Kab. Bogor 021-87912441 021-87912441
Good Corporate
Jl. Tegar Beriman Cibinong, Kab. Bogor
Governance
6. Karawang Jl. Kertabumi No.2 Kab. Karawang 0267-8454389 0267-8454389
Unit Layanan Kas Mobil / Cash Mobile Unit
Corporate Social
Responsibility
No Kantor Cabang Induk Office
1 Kas Mobil Utama Bandung Utama Bandung Cash Mobile Bandung
2 Kas Mobil Cibinong Cibinong Cash Mobile Cibinong
3 Kas Mobil Cirebon Cirebon Cash Mobile Cirebon
4 Kas Mobil Tasikmalaya Tasikmalaya Cash Mobile Tasikmalaya
5 Kas Mobil Purwakarta Purwakarta Cash Mobile Purwakarta
Consolidated
6 Kas Mobil Bekasi Bekasi Cash Mobile Bekasi
7 Kas Mobil Serang Serang Cash Mobile Serang
Layanan Weekend Banking / Weekend Banking Services

Corporate Data
No Kantor Alamat Telepon Fax Cabang Induk

Office Address Phone Fax Branch
1 Weekend Banking Jl. Buahbatu No.254, Kota Bandung 022-7304586, 022-7307489, Buah Batu
Cabang Buah Batu 7309547 7309546
2 Weekend Banking Kas Mobil Kantor Cabang Utama Bandung Utama Bandung
3 Weekend Banking PVJ Pusat Perbelanjaan Paris Van Java (PVJ), 022-82063523 022-82063702 Sukajadi
Glamour Level Unit No. GL-B-12,
Jl. Sukajadi No. 137-139, Kota Bandung
4 Weekend Banking KCP Martadinata Jl. Laksamana Laut Raden Edi 022-4236883 022-4236883 Suci
Martadinata No. 106, Kota Bandung
5 Weekend Banking H.Z Mustofa Jl. KHZ Mustofa No. 150, 0265-320164 0265-320174 Tasikmalaya
Kota Tasikmalaya
673
UNIT LAYANAN bank bjb bank bjb Services Unit
Kantor Lokasi Cabang Tel/Fax

No
Office Location Branch P/F
P (022) 72210412, 7212843
1. Kanwil I Jl. Jend. Achmad Yani No. 414 Kota Bandung Bandung
F (022) 7211401
Sukabumi
Subang
Cianjur
Purwakarta
Soreang
Cimahi
Tamansari
Palabuhanratu
Padalarang
Suci
Sukajadi
Buah Batu
Majalaya
Cirebon
Ciamis
Tasikmalaya
Indramayu
Sumedang
Kuningan
Majalengka
Garut
Banjar
Sumber
Karawang
Tegal
Singaparna
P (021) 77216933
2. Kanwil II Jl. Margonda Raya No.29 Kota Depok Bekasi
F (021) 77215844
Bogor
Depok
Cikarang
Cibinong
Khusus Jakarta
Kebayoran Baru
Surabaya
Semarang
Rawamangun
Mangga Dua
Batam
Medan
Serang
Tangerang
Rangkasbitung
Pandeglang
Cilegon
Labuan
BSD
Makassar
Balikpapan
Pekanbaru
Hasyim Ashari
Denpasar
Bandar Lampung
Palembang
Banjarmasin
674
Perusahaan Anak/Perusahaan Asosiasi Affiliated/Asociation
Daftar Penyertaan Modal dan Dividen TB 2012

List of Equity and Dividend TB 2012
Nilai %
Penyertaan Kepemilikan
Nama Perusahaan Anak/ Perusahaan Asosiasi Bidang Usaha Status Operasi
No. Modal/Nilai Saham/ Status/Status
Affiliated/Asociation Line of Business Operation Status
Penyertaan Owner
Modal Shareholder
1 bank bjb Syariah 595.000.000 97,70% Perbankan/Banking Telah Beroperasi/Operated Afiliasi/Affiliated
Jl. Braga No. 135 - Bandung 40111
Phone: (022) 72 27 27 27 Fax: (022) 421 2524
2 PT Asuransi Bangun Askrida 20.000.000 10,31% Asuransi/Insurance Telah Beroperasi/Operated Asosiasi/Association
Pusat Niaga cempaka Mas M I/36, Jl. Letjen Soeprapto - Jakarta
Introduction
3 PD. BPR LPK Serang Jl. Maulana Hasanudin No. 148 - Serang 2.400.000 6,63% Perbankan/Banking Telah Beroperasi/Operated Asosiasi/Association
4 PD. BPR LPK Malingping Jl. Raden Abas No. 05 Kab. Lebak Banten 210.000 16,67% Perbankan/Banking Telah Beroperasi/Operated Asosiasi/Association
5 PD. BPR LPK Warunggunung Jl. Raya Rangkasbitung - Pandeglang KM 82.500 6,19% Perbankan/Banking Telah Beroperasi/Operated Asosiasi/Association
10
6 PD. BPR LPK Cipanas Jl. Raya Cipanas KM 33 Kec. Cipanas Kab. Lebak 112.500 7,75% Perbankan/Banking Telah Beroperasi/Operated Asosiasi/Association
7 PD. BPR LPK Saketi Jl. Raya Malingping No. 20 Saketi Pandeglang 150.000 8,06% Perbankan/Banking Telah Beroperasi/Operated Asosiasi/Association
Performance
8 PD. BPR LPK Leuwiliang Jl. Raya leuwiliang No. 60 Bogor 16640 165.000 4,63% Perbankan/Banking Telah Beroperasi/Operated Asosiasi/Association
9 PD. BPR LPK Citeureup Jl. Alternatif Puspa Nagara No. 101 - Bogor 165.000 4,63% Perbankan/Banking Telah Beroperasi/Operated Asosiasi/Association
10 PD. BPR LPK Pancoran Mas Jl. Raya Bojong Gede - Citaya, No. 5B 420.000 10,99% Perbankan/Banking Telah Beroperasi/Operated Asosiasi/Association
Ds. Rawa Panjang Kec. Bojong Gede Kab. Bogor 16320
11 PD. BPR LPK Sawangan Jl. Abdul Wahab No. 6 Sawangan, Kota Depok 420.000 10,99% Perbankan/Banking Telah Beroperasi/Operated Asosiasi/Association
12 PD. BPR LPK Parungpanjang Jl. Muhammad Toha No. 78 Parungpanjang, 420.000 10,99% Perbankan/Banking Telah Beroperasi/Operated Asosiasi/Association
Kabupaten Bogor
13 PD. BPR LPK Warungkondang Jl. Cilaku No.5 Desa Cikaruya 2.816.365 12,69% Perbankan/Banking Telah Beroperasi/Operated Asosiasi/Association
Good Corporate
Governance
Warungkondang Cianjur
14 PD. BPR LPK Arahan Kidul Jl. Raya Arahan No. 358 Indramayu 210.000 10,99% Perbankan/Banking Telah Beroperasi/Operated Asosiasi/Association
15 PD. BPR LPK Kroya Jl. Raya Kroya No. 9 Kroya Kab. Indramayu 210.000 10,99% Perbankan/Banking Telah Beroperasi/Operated Asosiasi/Association
16 PD. BPR LPK Balongan Jl. Raya Sukaurip No. 30 Kec. Balongan 210.000 10,99% Perbankan/Banking Telah Beroperasi/Operated Asosiasi/Association
17 PD. BPR LPK Cantigi Kulon Jl. Raya Panyingkiran Kidul No. 202 Cantigi 210.000 10,99% Perbankan/Banking Telah Beroperasi/Operated Asosiasi/Association
Kab.Indramayu
18 PD. BPR LPK Sukra Jl. Raya Sukra No. 02, Kec. Sukra, Kab. Indramayu 210.000 10,99% Perbankan/Banking Telah Beroperasi/Operated Asosiasi/Association
Corporate Social
Responsibility
19 PD. BPR LPK Bongas Jl. Margomulya No. 99 Bongas Kab. Indramayu 210.000 10,99% Perbankan/Banking Telah Beroperasi/Operated Asosiasi/Association
20 PD. BPR LPK Panyingkiran Jl. Siliwangi No. 3 Panyingkiran Kabupaten 105.000 8,22% Perbankan/Banking Telah Beroperasi/Operated Asosiasi/Association
Majalengka
21 PD. BPR LPK Cigasong Jl. Raya Barat No. 42 Cigasong Majalengka 117.500 9,38% Perbankan/Banking Telah Beroperasi/Operated Asosiasi/Association
22 PD. BPR LPK Cingambul Jl. Raya Cikijing-Ciamis No. 32 cingambul- 92.500 7,64% Perbankan/Banking Telah Beroperasi/Operated Asosiasi/Association
Majalengka 45466
23 PD. BPR LPK Banjaran Jl. Raya Banjaran No.23 Banjaran Majalengka 107.500 8,64% Perbankan/Banking Telah Beroperasi/Operated Asosiasi/Association
45468
Consolidated
24 PD. BPR LPK Cibarusah Jl. Raya Loji, Komplek Kecamatan Cibarusah 165.000 7,28% Perbankan/Banking Telah Beroperasi/Operated Asosiasi/Association
25 PD. BPR LPK Setu Jl. Raya Setu RT.002/001 No. 49 Desa Lubang Buaya 165.000 7,28% Perbankan/Banking Telah Beroperasi/Operated Asosiasi/Association
Kec. Setu Bekasi 17322
26 PD. BPR LPK Pondokgede Jl. Jatiwaringin No. 18 Pondok Gede Bekasi 165.000 7,28% Perbankan/Banking Telah Beroperasi/Operated Asosiasi/Association
27 PD. BPR LPK Cibitung Jl. Sultan Hasanudin No. 123 Desa Tambun, 165.000 7,28% Perbankan/Banking Telah Beroperasi/Operated Asosiasi/Association
Kec. Tambun Selatan - Kab. Bekasi
28 PD. BPR LPK Bekasi/Kranji Harapan Baru II C9-7, Bekasi 165.000 7,28% Perbankan/Banking Telah Beroperasi/Operated Asosiasi/Association
Corporate Data
29 PD. BPR LPK Sukatani Jl. Raya Sukatani No. 41 Kec. Sukatani - Bekasi 165.000 7,25% Perbankan/Banking Telah Beroperasi/Operated Asosiasi/Association
30 PD. BPR LPK Jalancagak Jl. Raya Jalancagak No. 151 - Subang 41281 7.955.000 51,00% Perbankan/Banking Telah Beroperasi/Operated Asosiasi/Association
31 PD. BPR LPK Garutkota Jl. Pramuka No. 30A Garut 8.232.000 46.50% Perbankan/Banking Telah Beroperasi/Operated Asosiasi/Association
32 PD. BPR LPK Cipatujah Jl. Raya Cipatujah No. 293 Cipatujah, Tasikmalaya 300.000 7,27% Perbankan/Banking Telah Beroperasi/Operated Asosiasi/Association
33 PD. BPR LPK Bojonggambir 300.000 7,27% Perbankan/Banking Telah Beroperasi/Operated Asosiasi/Association
34 PD. BPR LPK Cimerak Jl. Raya Ciparanti No. 149 Ciamis 300.000 16,30% Perbankan/Banking Telah Beroperasi/Operated Asosiasi/Association
35 PD. BPR Kerta Raharja Jl. Raya serang KM 15 No.1 Cikupa Tangerang 1.050.000 2,12% Perbankan/Banking Telah Beroperasi/Operated Asosiasi/Association
Total 643.171.365
Keterangan/Notes:
Data Penyertaan Modal bank bjb per 31 Desember 2013
bank bjb Equity Data per December 31, 2013

Affiliated/Asociation
STRUKTUR Perusahaan Anak/Perusahaan Asosiasi STRUCTURE
bank bjb Syariah

97,70%
PT. Asuransi Bangun Askrida

10,31%
PD. BPR LPK Serang

6,63%
PD. BPR LPK Malingping

16,67%
PD. BPR LPK Warunggunung

6,19%
PD. BPR LPK Cipanas

7,75%
PD. BPR LPK Saketi

8,06%
PD. BPR LPK Leuwiliang

4,63%
PD. BPR LPK Citeureup

4,63%
PD. BPR LPK Pancoran Mas

10,99%
PD. BPR LPK Sawangan

10,99%
PD. BPR LPK Parungpanjang

10,99%
PD. BPR LPK Warungkondang

12,69%
PD. BPR LPK Arahan Kidul

10,99%
PD. BPR LPK Kroya

10,99%
PD. BPR LPK Balongan

10,99%
PD. BPR LPK Cantigi Kulon

10,99%
PD. BPR LPK Sukra

10,99%
PD. BPR LPK Bongas

10,99%
PD. BPR LPK Panyingkiran

8,22%
PD. BPR LPK Cigasong

9,38%
PD. BPR LPK Cingambul

7,64%
PD. BPR LPK Banjaran

8,64%
PD. BPR LPK Cibarusah

7,28%
PD. BPR LPK Setu

7,28%
PD. BPR LPK Pondokgede

7,28%
PD. BPR LPK Cibitung

7,28%
PD. BPR LPK Bekasi/Kranji

7,28%
PD. BPR LPK Sukatani

7,25%
PD. BPR LPK Jalancagak

51,00%
PD. BPR LPK Garutkota

46.50%
PD. BPR LPK Cipatujah

7,27%
PD. BPR LPK Bojonggambir

7,27%
PD. BPR LPK Cimerak

16,30%
PD. BPR Kerta Raharja

2,12%

Responsibility for 2013
Tanggung Jawab Pelaporan Tahunan 2013 Annual Reporting
Laporan Tahunan ini, beserta laporan keuangan dan informasi This Annual Report including the audited financial report and
lain yang terkait, merupakan tanggung jawab penuh related information are the responsibility of the management
Dewan Komisaris bank bjb dengan membubuhkan of bank bjb and have been approved by members of the
Introduction
tanda tangannya masing-masing di bawah ini pada bulan Board of Commissioners whose signatures appear below in
Maret 2014. March 2014.
Dewan Komisaris
Performance
Good Corporate
Governance
Muhadi Achmad Baraba Klemi Subiyantoro
Komisaris Komisaris Independen Komisaris Independen
Commissioner Independent Commissioner Independent Commissioner
Corporate Social
Responsibility
Consolidated
Yayat Sutaryat Rudhyanto Mooduto
Komisaris Independen Komisaris Independen
Independent Commissioner Independent Commissioner
Corporate Data
Kriteria ARA No. III.1,2,3 677

Responsibility for 2013
Tanggung Jawab Pelaporan Tahunan 2013 Annual Reporting
Laporan Tahunan ini, beserta laporan keuangan dan informasi lain This Annual Report including the audited financial report and related
yang terkait, merupakan tanggung jawab penuh Direksi bank bjb information are the responsibility of the management of bank bjb
dengan membubuhkan tanda tangannya masing-masing di bawah and have been approved by members of the Board of Directors
ini pada bulan Maret 2014. whose signatures appear below in March 2014.
Direksi
Board of Directors
Bien Subiantoro
Direktur Utama
President Director
Zaenal Aripin Arie Yulianto Djamal Muslim *)

Direktur Kepatuhan dan Direktur Konsumer Direktur Operasi
Manajemen Risiko Managing Director – Consumer Managing Director – Operation
Managing Director – Compliance and
Risk Management
*) Menunggu Fit & Proper Test Bank Indonesia
678 Kriteria ARA No. III.1,2,3

Cross Reference
Referensi Kriteria Annual Report Award of Annual Report Award
Halaman
Kriteria + Penjelasan Criterias + Explanations
Page
I. Umum I. General
1 Laporan tahunan disajikan dalam bahasa Indonesia √ 1 In good and correct Indonesian, it is recommended to
yang baik dan benar dan dianjurkan menyajikan juga present the report also in English.
dalam bahasa Inggris
2 Laporan tahunan dicetak dengan kualitas yang baik √ 2 The annual report should be printed in good quality
dan menggunakan jenis dan ukuran huruf yang mudah paper, using the font type and size that allow for easy
dibaca reading
3 Laporan tahunan mencantumkan identitas perusahaan √ 3 Should state clearly the identity of the company.
dengan jelas. Name of company and year of the Annual Report is
Nama perusahaan dan tahun annual report ditampilkan placed on:
Introduction
di:
1. Sampul muka; 1. The front cover;
2. Samping; 2. Sides;
3. Sampul belakang; dan 3. Back cover;
4. Setiap halaman 4. Each page.
4 Laporan tahunan ditampilkan di website perusahaan 4 The Annual Report is presented in the company’s

√
website.
Performance
Mencakup laporan tahunan terkini dan tahun-tahun Including Present and Previous Annual report
sebelumnya
II. Ikhtisar Data Keuangan Penting II. Summary of Key Financial Information
1 Informasi hasil usaha perusahaan dalam bentuk 1 Result of the Company information in comparative
perbandingan selama 3 (tiga) tahun buku atau form over a period of 5 financial years or since the
sejak memulai usahanya jika perusahaan tersebut commencement of business if the company has been
menjalankan kegiatan usahanya selama kurang dari 3 running its business activities for less than 5 years.
(tiga) tahun
Good Corporate
Governance
Informasi memuat antara lain: The information contained includes:
1. Penjualan/pendapatan usaha; 24 1. Sales/income from business.
2. Laba (rugi); 25 2. Profit (loss).
3. Total laba (rugi) komprehensif; dan 25 3. Total comprehensive profit (loss)
4. Laba (rugi) per saham. 25 4. Net profit (loss) per share.
2 Informasi posisi keuangan perusahaan dalam bentuk 2 Financial information in comparative form over a period
perbandingan selama 3 (tiga) tahun buku atau of 5 financial years or since the commencement of
Corporate Social
Responsibility
sejak memulai usahanya jika perusahaan tersebut business if the company has been running its business
menjalankan kegiatan usahanya selama kurang dari 3 activities for less than 5 years.
(tiga) tahun
Informasi memuat antara lain: The information contained includes:
1. Jumlah investasi pada entitas asosiasi; 1. Investments in associated entities
2. Jumlah aset; 24 2. Total assets
3. Jumlah liabilitas; dan 24 3. Total liabilities
4. Jumlah ekuitas. 24 4. Total equity
Consolidated
3 Rasio keuangan dalam bentuk perbandingan selama 25 3 Financial Ratio in comparative form over a period of 5
3 (tiga) tahun buku atau sejak memulai usahanya jika financial years or since the commencement of business
perusahaan tersebut menjalankan kegiatan usahanya if the company has been running its business activities
selama kurang dari 3 (tiga) tahun for less than 5 years.
Informasi memuat 5 (lima) rasio keuangan yang umum The information contains 5 (five) general financial ratios
dan relevan dengan industri perusahaan and relevant to the industry
4 Informasi harga saham dalam bentuk tabel dan grafik 4 Information regarding share price in the form of tables
and graphs.
Corporate Data
1. Informasi dalam bentuk tabel yang memuat: 1. The information contained includes:
a. Jumlah saham yang beredar; 26 a. Outstanding shares
b. Kapitalisasi pasar; 26 b. Market Capitalization
c. Harga saham tertinggi, terendah, dan penutupan; 26 c. Highest, lowest and closing share price
dan
d. Volume perdagangan. d. Trading volume
2. Informasi dalam bentuk grafik yang memuat paling 2. Information presented on graphs that includes at
kurang harga penutupan dan volume perdagangan least the closing price and trading volume of the
saham untuk setiap masa triwulan dalam 2 (dua) share for each three-month period in the last two (2)
tahun buku terakhir financial years (if any).
5 Informasi mengenai obligasi, sukuk atau obligasi 28,333 5 Information regarding bonds, sharia bonds or
konversi yang masih beredar dalam 2 (dua) tahun buku convertible bonds issued and which are still outstanding
terakhir Informasi memuat: in the last 2 financial years. The information contained
includes:
679
Referensi Kriteria Annual Report Award Cross Reference of Annual Report Award
Halaman
Page
1. Jumlah obligasi/sukuk/obligasi konversi yang 28 1. The amount/value of bonds/convertible bonds
beredar (outstanding); outstanding
2. Tingkat bunga/imbalan; 28 2. Interest rate
3. Tanggal jatuh tempo; dan 28 3. Maturity date
4. Peringkat obligasi/sukuk. 28 4. Rating of bonds
III. Laporan Dewan Komisaris dan Direksi III. Board of Commissioners’ and Board of Directors’ Report
1 Laporan Dewan Komisaris 38-43 1 Board of Commissioners’ Report.
Memuat hal-hal sebagai berikut: Contains the following items:
1. Penilaian atas kinerja Direksi mengenai pengelolaan 40 1. Assessment on the performance of the Board of
perusahaan dan dasar penilaiannya; Directors in managing the company and the basis of
such assessment
2. Pandangan atas prospek usaha perusahaan yang 41-42 2. View on the prospects of the company’s business as
disusun oleh Direksi dan dasar pertimbangannya; established by the Board of Directors, and the basis
of such view
3. Penilaian atas kinerja komite-komite yang berada 42 3. Assessment of the performance of the committees
dibawah Dewan Komisaris; dan under the Board of Commissioners
4. Perubahan komposisi Dewan Komisaris dan alasan n/a 4. Changes in the composition of the Board of
perubahannya (jika ada). Commissioners (if any) and the reasons of the
changes.
2 Laporan Direksi 44-53 2 Board of Directors’ Report.
1. Analisis atas kinerja perusahaan, yang mencakup 46-48 1. Analysis of the company’s performance, i.e. strategic
antara lain kebijakan strategis, perbandingan antara policies, comparison between achievement of results
hasil yang dicapai dengan yang ditargetkan, dan and targets, and challenges faced by the company.
kendala-kendala yang dihadapi perusahaan;
2. Analisis tentang prospek usaha; 50-51 2. Analysis of Business prospects.
3. Penerapan tata kelola perusahaan; dan 51 3. Implementation of Good Corporate Governance by
the company.
4. Perubahan komposisi anggota Direksi dan alasan n/a 4. Changes in the composition of the Board of Directors
perubahannya (jika ada). (if any), and the reasons of the changes.
3 Tanda tangan anggota Direksi dan anggota Dewan 677-678 3 Signature of members of the Board of Directors and
Komisaris Board of Commissioners.
1. Tanda tangan dituangkan pada lembaran tersendiri; √ 1. Signatures are set on a separate page.
2. Pernyataan bahwa Direksi dan Dewan Komisaris √ 2. Statement that the Board of Directors and the Board
bertanggung jawab penuh atas kebenaran isi of Commissioners are fully responsible for the
laporan tahunan; accuracy of the annual report.
3. Ditandatangani seluruh anggota Direksi dan √ 3. Signed by all members of the Board of
anggota Dewan Komisaris dengan menyebutkan Commissioners and Board of Directors, stating their
nama dan jabatannya; dan names and titles/positions.
4. Penjelasan tertulis dalam surat tersendiri dari √ 4. A written explanation in a separate letter from each
yang bersangkutan dalam hal terdapat anggota member of the Board of Commissioners or Board of
Direksi atau anggota Dewan Komisaris yang tidak Directors who refuses to sign the annual report, or:
menandatangani laporan tahunan, atau: written explanation in a separate letter from the
penjelasan tertulis dalam surat tersendiri dari other members in the event that there is no written
anggota yang lain dalam hal tidak terdapat explanation provided by the said member.
penjelasan tertulis dari yang bersangkutan.
IV. Profil Perusahaan IV. Company Profile
1 Nama dan alamat lengkap perusahaan 6 1 Name and address of the company.
Informasi memuat antara lain nama dan alamat, kode Includes information on name and address, zip code,
pos, no. Telp, no. Fax, email, dan website telephone and/or facsimile, email, website.
2 Riwayat singkat perusahaan 7-9, 2 Brief history of the company.
Mencakup antara lain: tanggal/tahun pendirian, nama, 12-17 Includes among others: date/year of establishment,
dan perubahan nama perusahaan (jika ada) name and change in the company name, if any.
3 Bidang usaha 21 3 Field of business.
Uraian mengenai antara lain: 14-17, 36-37 The descriptions contains the following items:
1. Kegiatan usaha perusahaan menurut anggaran 16 1. The company’s business activities in accordance with
dasar terakhir; the last articles of associations
2. Kegiatan usaha yang dijalankan; dan 16, 36-37 2. The company’s business activities
3. Produk dan/atau jasa yang dihasilkan. 36-37 3. The types of products and or services produced.
4 Struktur Organisasi 624-625 4 Organizational structure.
Dalam bentuk bagan, meliputi nama dan jabatan In the form of a chart, including the names and titles,
paling kurang sampai dengan struktur satu tingkat di at least until one level below the board of directors on
bawah direksi the structure
680
Halaman
Page
5 Visi dan Misi Perusahaan 4 5 Company Vision and Mission.
Mencakup: The information should contain:
1. Visi perusahaan; 4 1. Company vision
2. Misi perusahaan; dan 4 2. Company mission
3. Keterangan bahwa visi dan misi tersebut telah 4 3. A note that the vision and mission statements
disetujui oleh Direksi/Dewan Komisaris. have been approved by the Board of Directors/
Commissioners
6 Identitas dan riwayat hidup singkat anggota Dewan 610-612 6 Name, title, and brief curriculum vitae of the members
Komisaris of the Board of Commissioners.
Introduction
Informasi memuat antara lain: The information should contain:
1. Nama; √ 1. Name
2. Jabatan (termasuk jabatan pada perusahaan atau √ 2. Title (including position in other company or
lembaga lain); institution)
3. Umur; √ 3. Age
4. Pendidikan; √ 4. Education
5. Pengalaman kerja; dan √ 5. Working experience
Performance
6. Tanggal penunjukkan pertama kali sebagai anggota √ 6. Date of first appointment to the Board of
Dewan Komisaris. Commissioners
7 Identitas dan riwayat hidup singkat anggota Direksi 613-615 7 Name, title, and brief curriculum vitae of the members
of the Board of Directors.
1. Nama; √ 1. Name
2. Jabatan (termasuk jabatan pada perusahaan atau √ 2. Title (including position in other company or
Good Corporate
lembaga lain); institution)
Governance
3. Umur; √ 3. Age
4. Pendidikan; √ 4. Education
5. Pengalaman kerja; dan √ 5. Working experience
6. Tanggal penunjukkan pertama kali sebagai anggota √ 6. Date of first appointment to the Board of Directors
Direksi.
8 Jumlah karyawan (komparatif 2 tahun) dan deskripsi 132-149 8 Number of employees (comparative in two years)
pengembangan kompetensinya (misal: aspek and description of competence building (for example:
Corporate Social
Responsibility
pendidikan dan pelatihan karyawan) education and training of employees).
1. Jumlah karyawan untuk masing-masing level 134 1. The number of employees for each level of the
organisasi; organization.
2. Jumlah karyawan untuk masing-masing tingkat 134 2. The number of employees for each level of
pendidikan; education.
3. Jumlah karyawan berdasarkan status kepegawaian; 135 2. The number of employees based on employment
status
Consolidated
4. Deskripsi dan data pengembangan kompetensi 136-138 4. The description and data of employees
karyawan yang telah dilakukan dengan compentencies development program that has been
mencerminkan adanya persamaan kesempatan conducted, which also reflect equal opportunity to all
kepada seluruh karyawan; dan employees.
5. Biaya pengembangan kompetensi karyawan yang 138-139 5. Expenses of employees compentencies development
telah dikeluarkan. program incurred.
9 Komposisi Pemegang saham 27-31 9 Composition of shareholders.
Mencakup antara lain: Should include:
Corporate Data
1. Nama pemegang saham yang memiliki 5% atau 27,30-31 1. Names of shareholders having 5% or more shares.
lebih saham;
2. Nama Direktur dan Komisaris yang memiliki saham; 28 2. Directors and Commissioners who own shares.
3. Kelompok pemegang saham masyarakat dengan 27,29-31 3. Groups of public shareholders with less than 5%
kepemilikan saham masing-masing kurang dari 5%; ownership each, and their ownership percentage
dan persentase kepemilikannya
10 Daftar entitas anak dan/atau entitas asosiasi 675 10 List of Subsidiary and/or Affiliate companies
Informasi memuat antara lain: The information contains, among others:
1. Nama entitas anak dan/atau asosiasi; √ 1. Name of Subsidiary/Affiliate
2. Persentase kepemilikan saham ; √ 2. Percentage of share ownership.
3. Keterangan tentang bidang usaha entitas anak dan/ √ 3. Information on the field of business of Subsidiary/
atau entitas asosiasi; dan Affiliate.
4. Keterangan status operasi entitas anak dan/ √ 4. Explanation regarding the operational status of the
atau entitas asosiasi (telah beroperasi atau belum Subsidiary/Affiliate (already operating or not yet
beroperasi). operating).
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11 Struktur grup perusahaan 676 11 Company’s group structure
Struktur grup perusahaan dalam bentuk bagan yang Company’s group structure in the form of a chart, that
menggambarkan entitas anak, entitas asosiasi, joint shows subsidiaries, associated entities, joint venture
venture, dan special purpose vehicle (SPV), and special purpose vehicle (SPV)
12 Kronologis pencatatan saham 32 12 Chronology of shares listing.
Mencakup antara lain: Includes among others:
1. Kronologis pencatatan saham; √ 1. Chronology of shares listing.
2. Jenis tindakan korporasi (corporate action) yang 32 2. Types of corporate action that caused changes in the
menyebabkan perubahan jumlah saham; number of shares.
3. Perubahan jumlah saham dari awal pencatatan 32 3. Changes in the number of shares from the beginning
sampai dengan akhir tahun buku; dan of listing up to the end of the financial year.
4. Nama bursa dimana saham perusahaan dicatatkan. 32 4. Name of Stock Exchange where the company shares
are listed.
13 Kronologis pencatatan efek lainnya; 32-33 13 Chronology of other securities listing.
1. Kronologis pencatatan efek lainnya; √ 1. Chronology of other securities listing.
2. Jenis tindakan korporasi (corporate action) yang n/a 2. Types of corporate action that caused changes in the
menyebabkan perubahan jumlah efek lainnya; number of securities.
3. Perubahan jumlah efek lainnya dari awal pencatatan n/a 3. Changes in the number of securities from the initial
sampai dengan akhir tahun buku; listing up to the end of the financial year.
4. Nama Bursa dimana efek lainnya dicatatkan; dan n/a 4. Name of Stock Exchange where the company’s other
securities are listed.
5. Peringkat efek. √ 5. Rating of the securities.
14 Nama dan alamat lembaga dan/atau profesi 35 13 Name and address of capital market institutions and or
penunjang pasar modal supporting professions.
Informasi memuat antara lain: The information contains, among others:
1. Nama dan alamat BAE/pihak yang √ 1. Name and address of Share Registrar/parties
mengadministrasikan saham perusahaan; administering the company’s shares;
2. Nama dan alamat Kantor Akuntan Publik; dan √ 2. Name and address of the Public Accountants’ Office.
3. Nama dan alamat perusahaan pemeringkat efek. √ 3. Name and address of the Securities Rating company
15 Penghargaan yang diterima dalam tahun buku terakhir 22-23 14 Award and/or certification received by the company
dan/atau sertifikasi yang masih berlaku dalam tahun on last fiscal year, both on a national scale and
buku terakhir baik yang berskala nasional maupun international scale.
internasional
Informasi memuat antara lain: Information should include:
1. Nama penghargaan dan/atau sertifikat; √ 1. Name of the award and or certification.
2. Tahun perolehan; √ 2. Year of receiving the award.
3. Badan pemberi penghargaan dan/atau sertifikat; √ 3. Institution presenting the award and or certification.
dan
4. Masa berlaku (untuk sertifikasi). n/a 4. Period of validity (for certificates).
16 Nama dan alamat entitas anak dan atau kantor cabang 626-676 15 Name and address of subsidiary companies and or
atau kantor perwakilan (jika ada) branch office or representative office (if any)
Memuat informasi antara lain: Information should include:
1. Nama dan alamat entitas anak; dan 676 1. Name and address of business entities
2. Nama dan alamat kantor cabang/perwakilan. 626-675 2. Name and address of branch/representative office
Catatan: apabila perusahaan tidak memiliki entitas Note: should be disclosed if there is no business
anak/cabang/perwakilan, agar diungkapkan entities/branches/representatives
V. Analisa dan Pembahasan Manajamen atas Kinerja V. Management Analysis and Discussion on Company
Perusahaan Performance
1 Tinjauan operasi per segmen usaha 65 -123 1 Operational review per business segment.
Memuat uraian mengenai: Contains description of:
1. Produksi/kegiatan usaha; 65-123 1. Production/business activity;
2. Peningkatan/penurunan kapasitas produksi; 65-123 2. Increase/decrease in production capacity;
3. Penjualan/pendapatan usaha; dan 65-123, 161-164 3. Sales/income from business;
4. Profitabilitas. 65-123, 161-164 4. Profitability.
2 Uraian atas kinerja keuangan perusahaan 161-171 2 Description of company’s financial performance.
Analisis kinerja keuangan yang mencakup Financial performance analysis which includes a
perbandingan antara kinerja keuangan tahun yang comparison between the financial performance of the
bersangkutan dengan tahun sebelumnya dan penyebab current year and that of the previous year, and the
kenaikan/penurunan (dalam bentuk narasi dan tabel), cause of the increase/decrease (in the form of narration
antara lain mengenai: and tables), among others concerning:
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1. Aset lancar, aset tidak lancar, dan total aset; 164-168 1. Current assets, non-current assets, and total assets.
2. Liabilitas jangka pendek, liabilitas jangka panjang 168-170 2. Short term liabilities, long term liabilities, total
dan total liabilitas; liabilities
3. Ekuitas; 171 3. Equity
4. Penjualan/pendapatan usaha, beban dan laba 161-164 4. Sales/operating revenues, expenses and profit
(rugi), pendapatan komprehensif lain, dan total laba (loss), Other comprehensive revenues, and total
(rugi) komprehensif; dan comprehensive profit (loss)
5. Arus kas. 406-407 5. Cash flows
3 Bahasan dan analisis tentang kemampuan membayar 171 3 Discussion and analysis on the capacity to pay debts
Introduction
utang dan tingkat kolektibilitas piutang perusahaan, and the company’s accounts receivable collectibility, by
dengan menyajikan perhitungan rasio yang relevan presenting the relevant ratios calculated in accordance
sesuai dengan jenis industri perusahaan with the type of industry of the company
Penjelasan tentang: Explanation on:
1. Kemampuan membayar hutang, baik jangka pendek 171 1. Capacity to pay debts in long term and short term
maupun jangka panjang; dan
2. Tingkat kolektibilitas piutang. 167 2. Accounts receivable collectibility.

4 Bahasan tentang struktur modal (capital structure), 27, 172 4 Discussion on capital structure and capital structure
Performance
dan kebijakan manajemen atas struktur modal (capital policies
structure policy)
Penjelasan atas: Explanation on:
1. Struktur modal (capital structure); dan 27,172 1. Capital structure.
2. Kebijakan manajemen atas struktur modal (capital 172 2. Management policies of the capital structure, and the
structure policies) dan dasar pemilihan kebijakan basis of the such policies
tersebut.
Good Corporate
5 Bahasan mengenai ikatan yang material untuk investasi 174 5 Discussion on material ties for the investment of capital
Governance
barang modal goods.
1. Tujuan dari ikatan tersebut; n/a 1. The purpose of such ties.
2. Sumber dana yang diharapkan untuk memenuhi n/a 2. Source of funds expected to fulfil the said ties.
ikatan-ikatan tersebut;
3. Mata uang yang menjadi denominasi; dan n/a 3. Currency of denomination.
4. Langkah-langkah yang direncanakan perusahaan n/a 4. Steps taken by the company to protect the position of
Corporate Social
Responsibility
untuk melindungi risiko dari posisi mata uang asing related foreign currency against risks.
yang terkait.
Catatan: apabila perusahaan tidak mempunyai ikatan 174 Note: Should be disclosed if the company has no
terkait investasi barang modal pada tahun buku terakhir material ties in investments in capital goods on last
agar diungkapkan fiscal year.
6 Bahasan mengenai investasi barang modal yang 175 6 Discussion on investment of capital goods realized in
direalisasikan pada tahun buku terakhir the last fiscal year
Consolidated
1. Jenis investasi barang modal; 175 1. Type of the investment of capital goods
2. Tujuan investasi barang modal; dan 175 2. The purpose of the investment of capital goods
3. Nilai investasi barang modal yang dikeluarkan pada 175 3. Value of the investment of capital goods realized in
tahun buku terakhir. the last fiscal year.
Catatan: apabila tidak terdapat realisasi investasi 175 Note: Should be disclosed if the company has no
barang modal, agar diungkapkan investments in capital goods realized.
7 Informasi perbandingan antara target pada awal 160, 186-191 7 Information about the comparison between the target
tahun buku dengan hasil yang dicapai (realisasi), dan at the beginning of the fiscal year with the results
Corporate Data
target atau proyeksi yang ingin dicapai untuk satu achieved (realization), and the target or projected to
tahun mendatang mengenai pendapatan, laba, struktur be achieved for the coming year regarding revenue,
permodalan, atau lainnya yang dianggap penting bagi earnings, capital structure, or others that are considered
perusahaan important for the company
Informasi memuat antara lain: Information should include:
1. Perbandingan antara target pada awal tahun buku 160 1. The comparison between the target at the
dengan hasil yang dicapai (realisasi); dan beginning of the fiscal year with the results achieved
(realization
2. Target atau proyeksi yang ingin dicapai dalam satu 186-191 2. The target or projected to be achieved for the
tahun mendatang. coming year (at least 1 year)
8 Informasi dan fakta material yang terjadi setelah 175 8 Material Information and facts that occurred after the
tanggal laporan akuntan date of the accountant’s report (subsequent events).
Uraian kejadian penting setelah tanggal laporan Description of important events after the date of
akuntan termasuk dampaknya terhadap kinerja dan the accountant’s report including their impact on
risiko usaha di masa mendatang. performance and business risks in the future.
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Catatan: apabila tidak ada kejadian penting setelah Note: should be disclosed if there is no significant
tanggal laporan akuntan, agar diungkapkan events after the date of accountant report
9 Uraian tentang prospek usaha perusahaan 178-191 9 Description of the company’s business prospects.
Uraian mengenai prospek perusahaan dikaitkan Information on the company prospects in connection
dengan industri dan ekonomi secara umum disertai with industry, economy in general, accompanied with
data pendukung kuantitatif dari sumber data yang supporting quantitative data if there is a reliable data
layak dipercaya source.
10 Uraian tentang aspek pemasaran 124-129 10 Information on marketing aspects.
Uraian tentang aspek pemasaran atas produk dan/ Information regarding the marketing of the company’s
atau jasa perusahaan, antara lain strategi pemasaran products and services, among others concerning the
dan pangsa pasar market segment.
11 Uraian mengenai kebijakan dividen dan jumlah dividen 34, 361-362 11 Description regarding the dividend policy and the date
kas per saham dan jumlah dividen per tahun yang and amount of cash dividend per share and amount
diumumkan atau dibayar selama 2 (dua) tahun buku of dividend per year as announced or paid during the
terakhir past two (2) years.
Memuat uraian mengenai: Contains description on:
1. Kebijakan pembagian dividen; 34 1. Dividen pollicy
2. Total dividen yang dibagikan; 34 2. Amount of dividend
3. Jumlah dividen kas per saham; 34 3. Cash dividend per share
4. Payout ratio; dan 34 4. Pay-out ratio
5. Tanggal pengumuman dan pembayaran dividen kas 34, 361-362 5. The announcement date of cash dividen payment for
untuk masing-masing tahun. each year
Catatan: apabila tidak ada pembagian dividen, agar Note: if there is no dividend payment, disclose the
diungkapkan alasannya reasons for not making a dividend payment
12 Program kepemilikan saham oleh karyawan dan/atau 27,177 12 Management and/or Employee Stock Ownership
manajemen yang dilaksanakan perusahaan (ESOP/ Program implemented by the company (ESOP / MSOP)
MSOP)
Memuat uraian mengenai: Contains description on:
1. Jumlah saham ESOP/MSOP dan realisasinya; n/a 1. Amount of ESOP/MSOP shares and the realization;
2. Jangka waktu; n/a 2. Time periode
3. Persyaratan karyawan dan/atau manajemen yang n/a 3. Requirements of rightful employee and/or
berhak; dan management
4. Harga exercise. n/a 4. Exercise price
Catatan: apabila tidak memiliki program dimaksud, 177 Note: should be disclosed if there is no such program
agar diungkapkan
13 Realisasi penggunaan dana hasil penawaran 28 13 Use of proceeds from the public offering (in the event
umum (dalam hal perusahaan masih diwajibkan that the company is still obligated to report such use of
menyampaikan laporan realisasi penggunaan dana) proceeds).
Memuat uraian mengenai: Contains information on:
1. Total perolehan dana; √ 1. Total funds obtained,
2. Rencana penggunaan dana; √ 2. Plan for funds utilization,
3. Rincian penggunaan dana; √ 3. Details of funds utilization,
4. Saldo dana; dan √ 4. Remaining balance of funds, and
5. Tanggal persetujuan RUPS atas perubahan n/a 5. Date of GMS approval on change in the funds
penggunaan dana (jika ada). utilization plan (if any).
14 Informasi material mengenai investasi, ekspansi, 177 14 Material information, among others concerning
divestasi, penggabungan/peleburan usaha, akuisisi investment, expansion, divestment, acquisition, debt/
atau restrukturisasi utang/modal capital restructuring.
1. Tujuan dilakukannya transaksi; n/a 1. The purpose of the transaction;
2. Nilai transaksi atau jumlah yang direstrukturisasi; n/a 2. The value of transactions or amount being
dan restructured
3. Sumber dana. n/a 3. Source of funds
Catatan: apabila tidak mempunyai transaksi dimaksud, 177 Note: should be disclosed if there are no such
agar diungkapkan transactions
15 Informasi transaksi material yang mengandung 175-177, 333, 550- 15 Information on material transactions with conflict of
benturan kepentingan dan/atau transaksi dengan pihak 553 interest and/or transactions with related parties.
afiliasi
1. Nama pihak yang bertransaksi dan sifat hubungan 175-177, 550-553 1. Name of the transacting parties and nature of
afiliasi; related parties;
2. Penjelasan mengenai kewajaran transaksi; 175-177, 550-553 2. A description of the fairness of the transaction;
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3. Alasan dilakukannya transaksi; 175-177, 550-553 3. Reason for the transaction
4. Realisasi transaksi pada periode tahun buku terakhir; 175-177, 550-553 4. Realization of transactions during the period.
5. Kebijakan perusahaan terkait dengan mekanisme 175-177, 550-553 5. Company policies regarding the review mechanism
review atas transaksi; dan on the transactions
6. Pemenuhan peraturan dan ketentuan terkait. 177, 333 6. Compliance with related rules and regulations
Catatan: apabila tidak mempunyai transaksi dimaksud, 177, 333 Note: should be disclosed if there are no such
agar diungkapkan transactions
16 Uraian mengenai perubahan peraturan perundang- 173, 332 16 Description of changes in regulation which have a
undangan yang berpengaruh signifikan terhadap significant effect on the company
Introduction
perusahaan
Uraian memuat antara lain: perubahan peraturan Description should contain among others: any changes
perundang-undangan dan dampaknya terhadap in regulation and its impact on the company.
perusahaan
Catatan: apabila tidak terdapat perubahan peraturan Note: if there is no change in regulation which have a
perundang-undangan yang berpengaruh signifikan, significant effect, to be disclosed
agar diungkapkan
17 Uraian mengenai perubahan kebijakan akuntansi yang 177, 605-607 16 Description of changes in the accounting policy.
Performance
diterapkan perusahaan pada tahun buku terakhir
Uraian memuat antara lain: perubahan kebijakan Description should contain among others:
akuntansi, alasan dan dampaknya terhadap laporan
keuangan
Catatan: apabila tidak terdapat perubahan kebijakan Any revision to accounting policies, rationale and
akuntansi, agar diungkapkan impact on the financial statement.
VI. Good Corporate Governance 272-371 VI. Good Corporate Governance
1 Uraian Dewan Komisaris 278-284 1 Information on the Board of Commissioners.
Good Corporate
Governance
Uraian memuat antara lain: The information should contain:
1. Uraian tanggung jawab Dewan Komisaris; 279-281 1. Description of the responsibility of the Board of
Commissioners.
2. Pengungkapan prosedur penetapan remunerasi; 283 2. Disclosing the procedure for determining
remuneration
3. Struktur remunerasi yang menunjukkan komponen 229 3. Remuneration structure, disclosing the remuneration
remunerasi dan jumlah nominal per komponen untuk components and nominal amount of each component
Corporate Social
setiap anggota Dewan Komisaris; for each Commissioner
Responsibility
4. Frekuensi pertemuan dan tingkat kehadiran Dewan 282-283 4. Frequency of meetings and attendance of the Board
Komisaris dalam pertemuan; of Commissioners in the meetings.
5. Program pelatihan dalam rangka meningkatkan 282 5. Training programs for improving the competence of
kompetensi Dewan Komisaris atau program orientasi the Board of Commissioner or orientation program
bagi Komisaris baru; dan for new member of BOC
6. Pengungkapan mengenai Board Charter (pedoman 282 6. Disclosing the Board Charter (guidance and work
dan tata tertib kerja Dewan Komisaris). procedure of the Board of Commissioners)
2 Informasi mengenai Komisaris Independen 278-279 2 Information about Independent Commissioner
Consolidated
Meliputi antara lain: The information should contain:
1. Kriteria penentuan Komisaris Independen; dan √ 1. The criteria of Independent Commissioner
2. Pernyataan tentang independensi masing-masing √ 2. Statement about the independency of each
Komisaris Independen. Independent Commissioner
3 Uraian Direksi 296-307 3 Information on the Board of Directors.
Uraian memuat antara lain: The information should include:
1. Ruang lingkup pekerjaan dan tanggung jawab 300-302 1. Scope of work and responsibility of each member of
Corporate Data
masing-masing anggota Direksi; the Board of Directors.

2. Frekuensi pertemuan dan Tingkat kehadiran anggota 303 2. Frequency and attendace rate of Board of Director in
Direksi dalam pertemuan Direksi; the BOD meetings.
3. Frekuensi pertemuan dan Tingkat kehadiran anggota 307 3. Frequency and attendace rate of Board of Director in
Direksi dalam pertemuan gabungan Direksi dan the BOD & BOC joint meetings.
Dewan Komisaris;
4. Program pelatihan dalam rangka meningkatkan 304 4 Training programs for improving the competence of
kompetensi Direksi atau program orientasi bagi the Board of Directors or orientation program for
Direksi baru; new member of BOD
5. Pengungkapan mengenai Board Charter (pedoman 300 5. Disclosing the Board Charter (guidance and work
dan tata tertib kerja Direksi); dan procedure of the Board of Directors)
6. Kebijakan mengenai suksesi Direksi. n/a 6. Board of Directors sucession policy
4 Assessment terhadap Dewan Komisaris dan Direksi 281, 302-303, 4 Assessment on members of the Board of Commissioners
333-334 and Board of Directors
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1. Prosedur pelaksanaan assessment atas kinerja √ 1. The assessment process on the performance of
Dewan Komisaris dan Direksi; members of the Board of Commissioners and
Directors
2. Kriteria yang digunakan dalam pelaksanaan √ 2. The criteria used in the assessment on the
assessment atas kinerja Dewan Komisaris dan performance of members of the Board of
Direksi; dan Commissioners and Directors
3. Pihak yang melakukan assessment. √ 3. The party performing the assessment
5 Uraian mengenai kebijakan remunerasi bagi Direksi 304-307 5 Description of the remuneration policy for the Board of
Directors that is related to the company performance
1. Pengungkapan prosedur penetapan remunerasi; 304-305 1. Remuneration procedures
2. Struktur remunerasi yang menunjukkan jenis dan 305 2. Remuneration structure, disclosing the type and
jumlah imbalan jangka pendek, pasca kerja, dan/ amount of short-term and long-term compensation/
atau jangka panjang lainnya untuk setiap anggota post service benefits for each member of the Board
Direksi; dan of Directors
3. Pengungkapan indikator untuk penetapan 305 3. Performance indicators to determine the
remunerasi Direksi. remuneration of the Board of Directors.
6 Informasi mengenai pemegang saham utama dan 30 Information on major shareholders and controlling
pengendali, baik langsung maupun tidak langsung, shareholders, directly or indirectly, and also individual
sampai kepada pemilik individu shareholders.
Dalam bentuk skema atau diagram, kecuali untuk In the form of scheme or diagram, except SOE that fully
BUMN yang dimiliki sepenuhnya oleh pemerintah owned by the government.
7 Pengungkapan hubungan afiliasi antara anggota 282, 304 7 Disclosure of affiliation with other members of the Board
Direksi, Dewan Komisaris, dan Pemegang Saham of Commissioners and Board of Directors and major
Utama dan/atau pengendali and/or controlling shareholders.
1. Hubungan afiliasi antara anggota Direksi dengan n/a 1. Affiliation between member of the BOD and other
anggota Direksi lainnya; BOD members
2. Hubungan afiliasi antara anggota Direksi dan n/a 2. Affiliation between member of the BOD and BOC
anggota Dewan Komisaris members
3. Hubungan afiliasi antara anggota Direksi dengan n/a 3. Affiliation between member of the BOD and major
Pemegang Saham Utama dan/atau pengendali; and/or controlling shareholders
4. Hubungan afiliasi antara anggota Dewan Komisaris n/a 4. Affiliation between member of the BOC and other
dengan anggota Komisaris lainnya; dan BOC members
5. Hubungan afiliasi antara anggota Dewan Komisaris n/a 5. Affiliation between member of the BOC and major
dengan Pemegang Saham Utama dan/atau and/or controlling shareholders
pengendali.
Catatan: apabila tidak mempunyai hubungan afiliasi Note: should be disclosed if there are no such
dimaksud, agar diungkapkan affiliations
8 Komite Audit 284-288,611-612 8 Audit Committee.
1. Nama dan jabatan anggota komite audit; 284-285, 611-612 1. Name and title of the members of the Audit
Committee.
2. Kualifikasi pendidikan dan pengalaman kerja 284-285, 611-612 2. Qualification of education and work experience of
anggota komite audit; Audit Committee members
3. Independensi anggota komite audit; 288 3. Independence of the members of the Audit
Committee
4. Uraian tugas dan tanggung jawab; 286-288 4. Description of tasks and responsibilities.
5. Laporan singkat pelaksanaan kegiatan komite audit; 260 - 261 5. Brief report on the activities carried out by the Audit
dan Committee.
6. Frekuensi pertemuan dan tingkat kehadiran komite 288 6. Frequency of meetings and the attendance of the
audit. Audit Committee.
9 Komite Nominasi dan Remunerasi 288-291, 610-612 9 Nomination and Remuneration Committee.
1. Nama, jabatan, dan riwayat hidup singkat anggota 289, 610-612 1. Name, title, and brief curriculum vitae of the
komite nominasi dan/atau remunerasi; members of the Nomination and Remuneration
Committee.
2. Independensi anggota komite nominasi dan/atau 291 2. Independence of the members of the Nomination
remunerasi; and Remuneration Committee.
3. Uraian tugas dan tanggung jawab; 290 3. Description of the tasks and responsibilities.
4. Uraian pelaksanaan kegiatan komite nominasi dan/ 290-291 4. Activities carried out by the Nomination and
atau remunerasi; dan Remuneration Committee.
5. Frekuensi pertemuan dan tingkat kehadiran komite 291 5. Frequency of meetings and the attendance rate of the
nominasi dan/atau remunerasi. Nomination and Remuneration Committee.
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10 Komite-komite lain di bawah Dewan Komisaris yang 292-295, 611-612 10 Other committees of the company under the Board of
dimiliki oleh perusahaan Commissioners
1. Nama, jabatan, dan riwayat hidup singkat anggota 295 1. Name, title, and brief curriculum vitae of the
komite lain; members of the committees
2. Independensi anggota komite lain; 293-294 2. Independence of the members of the committee.
3. Uraian tugas dan tanggung jawab; 294-295 3. Description of the tasks and responsibilities.
4. Uraian pelaksanaan kegiatan komite lain; dan 294-295 4. Activities carried out by the committees
5. Frekuensi pertemuan dan tingkat kehadiran komite 295 5. Frequency of meetings and the attendance rate of
Introduction
lain. other committee.
11 Uraian tugas dan Fungsi Sekretaris Perusahaan 319-321, 620 11 Description of tasks and function of the Corporate
Secretary.
1. Nama dan riwayat jabatan singkat sekretaris 319, 620 1. Name and brief history of the position of Corporate
perusahaan; Secretary.
2. Uraian pelaksanaan tugas sekretaris perusahaan; 321 2. Description of the tasks performed by the Corporate
dan Secretary.
Performance
3. Program pelatihan dalam rangka mengembangkan 620 3. Training programs for improving the competence of
kompetensi sekretaris perusahaan. the Corporate Secretary
12 Uraian mengenai Rapat Umum Pemegang Saham 275-277 12 Description of Annual General Meeting of Shareholders
(RUPS) tahun sebelumnya (AGMS) of the previous fiscal year
1. Keputusan RUPS tahun sebelumnya; √ 1. Resolutions fromAGMS of the previous fiscal year
2. Realisasi hasil RUPS pada tahun buku; dan n/a 2. Realization of fiscal year AGMS results
Good Corporate
Governance
3. Alasan dalam hal terdapat keputusan RUPS yang n/a 3. Reason if there is a decision of the AGMS has not
belum direalisasikan. been realized.
13 Uraian mengenai unit audit internal 341-344, 347 13 Description of the company’s internal audit unit.
1. Nama ketua unit audit internal; 341, 619 1. Name of the head of audit internal unit
2. Jumlah pegawai (auditor internal) pada unit audit 344 2. Number of auditors in the unit
internal;
Corporate Social
Responsibility
3. Sertifikasi sebagai profesi audit internal; 344 3. Certification as an internal audit profession
4. Kedudukan unit audit internal dalam struktur 341, 343-344 4. Structure or position of the internal audit unit
perusahaan;
5. Laporan singkat pelaksanaan kegiatan unit audit 342-343 5. Description of audit work performed
internal; dan
6. Pihak yang mengangkat/memberhentikan ketua unit 344 6. The party authorized to appoint/dismiss the head of
audit internal. internal audit unit
14 Akuntan Publik 348 14 Public accountant.
Consolidated
1. Jumlah periode akuntan publik telah melakukan audit 348 1. How many audit periods has the accountant audited
laporan keuangan tahunan; the financial statements of the company.
2. Jumlah periode Kantor Akuntan Publik telah 348 2. How many audit periods has the public accountant
melakukan audit laporan keuangan tahunan; firm audited the financial statements of the company.
3. Besarnya fee untuk masing-masing jenis jasa yang 348 3. The amount of fees for the audit and other attestation
diberikan oleh akuntan publik; dan services (in the event that such accountant provides
other attestation services together with the audit)
Corporate Data
4. Jasa lain yang diberikan akuntan selain jasa audit 348 4. Other service provided by the accountant in addition
laporan keuangan tahunan. to financial audit.
Catatan: apabila tidak ada jasa lain dimaksud, agar Note: should be disclosed if there are no other services
diungkapkan
15 Uraian mengenai manajemen risiko perusahaan 192-269 15 Description of the company’s risk management.
1. Penjelasan mengenai sistem manajemen risiko yang 192-193 1. Description of risk management systems
diterapkan perusahaan;
2. Penjelasan mengenai evaluasi yang dilakukan atas 193-194 2. Description of evaluation on the effectiveness of risk
efektivitas sistem manajemen risiko; management systems
3. Penjelasan mengenai risiko-risiko yang dihadapi 194 3. Description of risks faced by the company
perusahaan; dan
4. Upaya untuk mengelola risiko tersebut. 195 4. Efforts to manage these risks
687
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16 Uraian mengenai sistem pengendalian intern 344-377 16 Description of internal control systems
1. Penjelasan singkat mengenai sistem pengendalian 344-345 1. Short description of the internal control system,
intern, antara lain mencakup pengendalian including financial and operational control
keuangan dan operasional;
2. Penjelasan kesesuaian sistem pengendalian intern 345 2. Description of compatibility between the internal
dengan kerangka yang diakui secara internasional control system and internationally recognized
(COSO – internal control framework); dan internal conrol framework (COSO)
3. Penjelasan mengenai evaluasi yang dilakukan atas 347 3. Description of evaluation on the effectiveness of
efektivitas sistem pengendalian intern. internal control system
17 Uraian mengenai corporate social responsibility yang 378-382 17 Description of corporate social responsibility activities
terkait dengan lingkungan hidup related to environment
Mencakup antara lain informasi tentang: Contains information on, among others:
1. Kebijakan yang ditetapkan manajemen; 378-379 1. Management Policies
2. Kegiatan yang dilakukan; terkait program 379-381 2. Activities conducted, environment-related activities,
lingkungan hidup yang berhubungan dengan that relevant with operational activity of the
kegiatan operasional perusahaan, seperti company, such as usage of recycled materials,
penggunaan material dan energi yang ramah energy, waste treatment, etc
lingkungan dan dapat didaur ulang, sistem
pengolahan limbah perusahaan, dan lain-lain
3. Sertifikasi di bidang lingkungan yang dimiliki. n/a 3. Environment-related certification
18 Uraian mengenai corporate social responsibility 390 18 Description of corporate social responsibility related to
yang terkait dengan ketenagakerjaan, kesehatan dan the workforce, work health and safety
keselamatan kerja
1. Kebijakan yang ditetapkan manajemen; dan 390 1. Management Policies
2. Kegiatan yang dilakukan terkait praktik 390 2. Activities conducted health and safety-related
ketenagakerjaan, kesehatan, dan keselamatan kerja, activities, such as gender equality, equal work
seperti kesetaraan gender dan kesempatan kerja, opportunity, work and safety facilities, employee
sarana dan keselamatan kerja, tingkat turnover turnover, work incident rate, training, etc
karyawan, tingkat kecelakaan kerja, dan lain-lain.
19 Uraian mengenai corporate social responsibility 382-387 19 Description of corporate social responsibility activities
yang terkait dengan pengembangan sosial dan related to social and community development
kemasyarakatan
1. Kebijakan yang ditetapkan manajemen; 382-383, 384-385 1. Management Policies
2. Kegiatan yang dilakukan; dan 383-384, 385-386 2. Activities conducted
3. Biaya yang dikeluarkan terkait pengembangan sosial 384, 386 3. Cost of the activites social and community
dan kemasyarakatan, seperti penggunaan tenaga development related activities, such as the use of
kerja lokal, pemberdayaan masyarakat sekitar local work force, empowerment of local communities,
perusahaan, perbaikan sarana dan prasarana aid for public social facilities, social donations, etc
sosial, bentuk donasi lainnya, dan lain-lain.
20 Uraian mengenai corporate social responsibility yang 387-392 20 Description of corporate social responsibility activities
terkait dengan tanggung jawab kepada konsumen related to responsibility to the consumer
Mencakup antara lain: Contains information on, among others:
1. Kebijakan yang ditetapkan manajemen; dan 387 1. Management Policies
2. Kegiatan yang dilakukan terkait tanggung jawab 388-392 2. Activities conducted consumer protection related
produk, seperti kesehatan dan keselamatan activities, such as consumer health and safety,
konsumen, informasi produk, sarana, jumlah dan product information, facility for consumer complaint,
penanggulangan atas pengaduan konsumen, dan number and resolution of consumer complaint cases,
lain-lain. etc
21 Perkara penting yang sedang dihadapi oleh 336-337 21 Important legal cases faced by the Company,
perusahaan, entitas anak, anggota Direksi dan/ subsidiaries, members of the Board of Directors and/
atau anggota Dewan Komisaris yang menjabat pada or Board of Commissioners serving in the period of the
periode laporan tahunan annual report.
Mencakup antara lain: Information includes among others:
1. pokok perkara/gugatan; 336-337 1. Substance of the case/claim.
2. status penyelesaian perkara/gugatan; 336-337 2. Status of settlement of case/claim.
3. pengaruhnya terhadap kondisi perusahaan; dan 336-337 3. Potential impacts on the financial condition of the
company.
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4. sanksi administrasi yang dikenakan kepada Entitas, 337 4. Administrative sanctions imposed on the Company,
anggota Dewan Komisaris dan Direksi, oleh otoritas the Board of Commissioners and Board of Directors,
terkait (pasar modal, perbankan dan lainnya) pada by the related authorities (capital markets, banking
tahun buku terakhir (atau terdapat pernyataan and others) in the last fiscal year (or there is a
bahwa tidak dikenakan sanksi administrasi). statement that is not subject to administrative
sanctions).
Catatan: dalam hal tidak berperkara, agar 337 Notes: in case not litigants, to be disclosed
diungkapkan
22 Akses informasi dan data perusahaan 354-371 22 Access to corporate information and data.
Uraian mengenai tersedianya akses informasi dan data Description on the availability of access to corporate
Introduction
perusahaan kepada publik, misalnya melalui website information and data to the public, for example through
(dalam bahasa Indonesia dan bahasa Inggris), media website, mass media, mailing list, bulletin, analyst
massa, mailing list, buletin, pertemuan dengan analis, meeting, etc.
dan sebagainya
23 Bahasan mengenai kode etik 349-353 23 Discussion of company code of conduct.
Memuat uraian antara lain: Contains information on:
1. Isi kode etik; 349-350 1. Content of the Code of Conduct.
2. Pengungkapan bahwa kode etik berlaku bagi 349 2. Disclosure on the relevancy of the code of conduct
Performance
seluruh level organisasi; for all levels of the organization
3. Penyebarluasan kode etik; 351-352 3. Socialization of the Code of Conduct
4. Upaya penegakan dan sanksi pelanggaran kode 350-351 4. Implementation and enforcement of the code of
etik; dan conduct
5. Pernyataan mengenai budaya perusahaan 351 5. Statement concerning the corporate culture.
(corporate culture) yang dimiliki perusahaan.
24 Pengungkapan mengenai whistleblowing system 338-340 24 Disclosure on the whistleblowing system.
Good Corporate
Governance
Memuat uraian tentang mekanisme whistleblowing Description of the mechanism of the whistleblowing
system antara lain: system, including:
1. Penyampaian laporan pelanggaran; 338 1. Mechanism for violation reporting
2. Perlindungan bagi whistleblower; 338-339 2. Protection for the whistleblower
3. Penanganan pengaduan; 339 3. Handling of violation report
4. Pihak yang mengelola pengaduan; dan 339 4. The unit responsible for handling of violation report.
5. Jumlah pengaduan yang masuk dan diproses pada 339 5. Number of received complaint and processed in the
Corporate Social
Responsibility
tahun buku terakhir serta tindak lanjutnya. last fiscal year and the follow-up handling
VII. Informasi Keuangan VII. Financial Information
1 Surat Pernyataan Direksi dan/atau Dewan Komisaris 395 1 Statement by the Board of Directors concerning the
tentang Tanggung Jawab atas Laporan Keuangan Responsibility of the Board of Directors on the Financial
Statement.
Kesesuaian dengan peraturan terkait tentang Tanggung Compliance with Bapepam-LK Regulation No.VIII.G.11
Jawab atas Laporan Keuangan on Responsibility of the Board of Directors on the
Financial Statement.
Consolidated
2 Opini auditor independen atas laporan keuangan 397-398 2 Independent auditor’s opinion on the financial
statement.
3 Deskripsi Auditor Independen di Opini 398 3 Description of the Independent Auditor in the Opinion.
Deskripsi memuat tentang: The description contains:
1. Nama & tanda tangan; √ 1. Name and signature.
2. Tanggal Laporan Audit; dan √ 2. Date of the audit report.
3. Nomor ijin KAP dan nomor ijin Akuntan Publik. √ 3. KAP license number and Public Accountant license
number.
Corporate Data
4 Laporan keuangan yang lengkap 399-608 4 Comprehensive financial statement.

Memuat secara lengkap unsur-unsur laporan keuangan: Contains all elements of the financial statement:
1. Laporan posisi keuangan (neraca); 398-402 1. Financial Position (Balance sheet)
2. Laporan laba rugi komprehensif; 403-404 2. Comprehensive Profit loss statement
3. Laporan perubahan ekuitas; 405 3. Statement of changes in equity
4. Laporan arus kas; 406-407 4. Statement of Cash flows.
5. Catatan atas laporan keuangan; dan 408-6058 5. Notes to the financial statement
6. Laporan posisi keuangan pada awal periode 449, 501, 605 6. Financial position at the start of comparative periods
komparatif yang disajikan ketika entitas menerapkan being presented when the company implement
suatu kebijakan akuntansi secara retrospektif atau retrospective application of accounting policies,
membuat penyajian kembali pos-pos laporan or re-stated its accounts of financial statements, or
keuangan, atau ketika entitas mereklasifikasi pos-pos re-classified the accounts of its financial statements
dalam laporan keuangannya (jika relevan). (where applicable)
689
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5 Perbandingan tingkat profitabilitas 403-404 5 Comparison of profitability.
Perbandingan laba (rugi) tahun berjalan dengan tahun Comparison of profit (loss) from operations for the year
sebelumnya by the previous year.
6 Laporan Arus Kas 406-407 6 Cash Flow Report.
Memenuhi ketentuan sebagai berikut: Meets the following provisions:
1. Pengelompokan dalam tiga kategori aktivitas: √ 1. Grouped into three categories of activity: operational
operasi, investasi, dan pendanaan; activity, investment, and funding.
2. Penggunaan metode langsung (direct method) untuk √ 2. Uses a direct method reporting for cash flows for
melaporkan arus kas dari aktivitas operasi; operational activity.
3. Pemisahan penyajian antara penerimaan kas dan √ 3. Separating the presentation between cash receipt
atau pengeluaran kas selama tahun berjalan pada and or cash expended during the current year for
aktivitas operasi, investasi dan pendanaan; dan operational, investment, and funding activities.
4. Pengungkapan transaksi non kas harus dicantumkan √ 4. Disclosing activities that do not influence the cash
dalam catatan atas laporan keuangan. flow.
7 Ikhtisar Kebijakan Akuntansi 421-461 7 Summary of Accounting Policy.
Meliputi sekurang-kurangnya: Includes at least:
1. Pernyataan kepatuhan terhadap SAK; √ 1. Statement of compliance to Financial Accounting
Standard
2. Dasar pengukuran dan penyusunan laporan √ 2. Basis for the measurement and preparation of
keuangan; financial statements
3. Pengakuan pendapatan dan beban; √ 3. Recognition of revenues and expenses
4. Imbalan kerja; dan √ 4.Work compensation
5. Instrumen Keuangan. √ 5. Financial instruments
8 Pengungkapan transaksi pihak berelasi 458-459, 550-552 8 Disclosure on transaction with related parties
Hal-hal yang diungkapkan antara lain: Disclosure of, among others:
1. Nama pihak berelasi, serta sifat dan hubungan √ 1. Name of related party, and nature of relation with
dengan pihak berelasi; related party
2. Nilai transaksi beserta persentasenya terhadap total √ 2. Amount of transaction and its percentage to total
pendapatan dan beban terkait; dan related revenues and expenses
3. Jumlah saldo beserta persentasenya terhadap total √ 3. Total balance of transaction and its percentage to
aset atau liabilitas. total assets or liabilities
9 Pengungkapan yang berhubungan dengan perpajakan 454, 366, 521-526 9 Disclosure related to taxation
Hal-hal yang harus diungkapkan: Issues that should be disclosed:
1. Rekonsiliasi fiskal dan perhitungan beban pajak kini; √ 1. Fiscal reconciliation and calculation of current tax.
2. Penjelasan hubungan antara beban (penghasilan) √ 2. Explanation on the relation between tax expenses
pajak dan laba akuntansi; (benefit) and accounting/book profit
3. Pernyataan bahwa Laba Kena Pajak (LKP) hasil √ 3. Statement that the amount of Taxable Profit as
rekonsiliasi dijadikan dasar dalam pengisian SPT calculated through reconciliation is in accordance
Tahunan PPh Badan; with the Tax Return.
4. Rincian aset dan liabilitas pajak tangguhan yang √ 4. Details of deferred tax assets and liabilities
diakui pada laporan posisi keuangan untuk setiap recognized on the financial position (balance
periode penyajian, dan jumlah beban (penghasilan) sheet) for each reporting period, and the amount of
pajak tangguhan yang diakui pada laporan laba deferred tax expenses (benefit) recognized in the
rugi apabila jumlah tersebut tidak terlihat dari jumlah profit/loss statement in the event that the amount
aset atau liabilitas pajak tangguhan yang diakui is not recognizable from the amount of deferred
pada laporan posisi keuangan; dan tax assets and liabilities presented on the financial
position (balance sheet)
5. Pengungkapan ada atau tidak ada sengketa pajak. √ 5. Disclosure of whether or not there is a tax dispute.
10 Pengungkapan yang berhubungan dengan aset tetap 447-448, 465, 10 Disclosure related to Fixed Assets.
501-503
1. Metode penyusutan yang digunakan; √ 1. Depreciation method used
2. Uraian mengenai kebijakan akuntansi yang dipilih √ 2. Description of the selected accounting policies
antara model revaluasi dan model biaya; between the revaluation model and cost model
3. Metode dan asumsi signifikan yang digunakan √ 3. The methods and significant assumptions used in
dalam mengestimasi nilai wajar aset tetap (untuk estimating the fair value of fixed assets (revaluation
model revaluasi) atau pengungkapan nilai wajar model) or disclosure of the fair value of fixed assets
aset tetap (untuk model biaya); dan (cost model)
4. Rekonsiliasi jumlah tercatat bruto dan akumulasi √ 4. Reconciliation of the gross book value and
penyusutan aset tetap pada awal dan akhir periode accumulated depreciation of fixed assets at the
dengan menunjukkan: penambahan, pengurangan beginning and end of the reporting period, showing
dan reklasifikasi. any addition, reduction and reclassification.
690
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11 Pengungkapan yang berhubungan dengan segmen 459-460, 554-556 11 Disclosures relating to operating segment
operasi
1. Informasi umum yang meliputi faktor-faktor yang √ 1. General information which includes the factors used
digunakan untuk mengidentifikasi segmen yang to identify segments that are reported;
dilaporkan;
2. Informasi tentang laba rugi, aset, dan liabilitas √ 2. Information about income, assets, and liabilities of
segmen yang dilaporkan; the reported segment
3. Rekonsiliasi dari total pendapatan segmen, laba √ 3. Reconciliation of total segment revenues, reported
rugi segmen yang dilaporkan, aset segmen, liabilitas segment profit or loss, segment assets, segment
Introduction
segmen, dan unsur material segmen lainnya liabilities and other segment material elements to the
terhadap jumlah terkait dalam entitas; dan related number of the entity; and
4. Pengungkapan pada level entitas, yang meliputi √ 4. Disclosures at entity level, which includes information
informasi tentang produk dan/atau jasa, wilayah about products and/or services, geographic areas
geografis dan pelanggan utama. and major customers.
12 Pengungkapan yang berhubungan dengan Instrumen 437-438, 463, 12 Disclosures relating to Financial Instruments
Keuangan 539-541, 548-549,
567-569
Performance
1. Persyaratan, kondisi dan kebijakan akuntansi untuk √ 1. Terms, conditions and accounting policies for each
setiap kelompok instrumen keuangan; class of financial instruments
2. Klasifikasi instrumen keuangan; √ 2. Classification of financial instruments
3. Nilai wajar tiap kelompok instrumen keuangan; √ 3. The fair value of each class of financial instruments
4. Tujuan dan kebijakan manajemen risiko; √ 4. Objectives and policies of financial risk management
5. Penjelasan risiko yang terkait dengan instrumen 5. Explanation of the risks associated with financial
Good Corporate
√
Governance
keuangan: risiko pasar, risiko kredit dan risiko instruments: market risk, credit risk and liquidity risk
likuiditas; dan
6. Analisis risiko yang terkait dengan instrumen √ 6. Risk analysis related to financial instruments
keuangan secara kuantitatif. quantitatively
13 Penerbitan laporan keuangan 608 13 Publication of financial statements
Hal-hal yang diungkapkan antara lain: Issues to be disclosed include:
1. Tanggal laporan keuangan diotorisasi untuk terbit; √ 1. The date that the financial statements is authorized to
Corporate Social
dan be published; and
Responsibility
2. Pihak yang bertanggung jawab mengotorisasi √ 2. The party responsible to authorize the published
laporan keuangan. financial statements
Consolidated
Corporate Data
691
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Kantor Pusat • Head Office

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Jl. Naripan No. 12-14
Bandung 40111
Telp. 022 423 4868
www.bankbjb.co.id

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Laporan Tahunan 2013 Annual Report

Laba Bersih Laba Bersih

Laporan Dewan Komisaris 38

Laporan Direktur Utama 46

Laporan Keuangan Konsolidasian 393

Itulah landasan bisnis bank bjb. Bahkan di tengah dinamika

bank bjb meyakini, melalui peningkatan kualitas, bank bjb dapat

Quality human resources is one of the distinguishing factors that determine

lebih penting dari sekedar peningkatan pertumbuhan. Kinerja yang

In order to achieve sustainable growth, quality of performance is more

Menjadi 10 bank terbesar dan berkinerja baik di

• Penggerak dan Pendorong Laju

4 Kriteria ARA No. IV.5.1,2,3

bank bjb • Laporan Tahunan 2013 Annual Report

Service Excellence 1. Ramah, tulus, kekeluargaan 1. Friendly, sincere, familiar

Professionalism 3. Cepat, Tepat, Akurat 3. Quick, precise, accurate

Integrity 6. Konsisten, disiplin, dan penuh 6. Consistent, disciplined, and exuberant

Trust 13. Menumbuhkan transparansi, 13. Growing transparency, togetherness,

Nama Panggilan bank bjb Call Name

Kantor Pusat Menara bank bjb Head Office

Telepon +6222-4234868 Phone

Faksimili +6222-4206099 Facsimile

Didirikan 20 Mei/May 1961 Founded

Pemilik Pemda Provinsi Jawa Barat (38,26%), Pemda Provinsi Shareholders

West Java Provincial Government (38.26%), Banten

Jumlah Aktiva Rp 70,958 Triliun Total Assets

Jumlah Jaringan Kantor 1 Kantor Pusat Head Office Office Network

Alamat Website http://www.bankbjb.co.id Website Adress

Alamat E-mail ir@bankbjb.co.id or divisicorporatesecretary@bankbjb. E-mail Adress

Call Center 14049 Call Center

6 Kriteria ARA No. IV.1 & 3

bank bjb • Laporan Tahunan 2013 Annual Report

(RI) Nomor 33 Tahun 1960 tentang Penentuan Perusahaan di Indonesia Milik

Kriteria ARA No. V.2 7

Kantor Cabang bank bjb

SUMATERA SELATAN KALIMANTAN SELATAN

CABANG PALEMBANG Palembang CABANG BANJARMASIN Banjarmasin

bank bjb • Laporan Tahunan 2013 Annual Report

bank bjb didirikan

1915 1961 1972 1978 1991 1992 1999

De Eerste Berubah menjadi

12 Kriteria ARA No. IV. 2

bank bjb • Laporan Tahunan 2013 Annual Report

Bank Jabar becomes

• Rebranding bjb Precious

Sejarah Pendirian – 1961 Establishment – 1961

Peningkatan Aktivitas – 1992 Increasing Activities - 1992

Perubahan Bentuk Hukum – 1998 Change of Legal Status - 1998

Spin Off Spin Off

> 22 Januari - January > 4 Februari - February 4 > 8 Maret - March 8

> 4 September - September 4 > 21 September - September 21 > 24 September - September 21

& Analysis on Company

> 25 Desember - December 25

bank bjb kembali menyelenggarakan

bank bjb held mass circumcision, cleft lip

Penyelenggaraan Rapat Umum

Penghargaan “Acquirer Bank With The Highest

Penghargaan “ Pelaporan Gratifikasi

Penghargaan “ Indonesia Banking Award, Best

22 Kriteria ARA No. IV.15

bank bjb • Laporan Tahunan 2013 Annual Report

No Uraian 2009 2010 2011 2012 2013 Description