Bank Jabar Banten Sharia Unit

pendapatan฀produk฀Emas฀Syariah฀per฀31฀Desember฀ 2009฀ sebesar฀ Rp฀ 7,29฀ miliar,฀ naik฀ sebesar฀ Rp฀ 2,92฀ miliar฀atau฀naik฀sebesar฀66,94%฀dibandingkan฀posisi฀ 31฀Desember฀2008

•฀ Laba฀per฀31฀Desember฀2009฀sebesar฀Rp฀33,18฀miliar,฀ naik฀sebesar฀Rp฀9,93฀miliar฀atau฀naik฀sebesar฀42,69%฀ dibandingkan฀posisi฀31฀Desember฀2008.

•฀ Penghimpunan฀ dana฀ dari฀ 28฀ (dua฀ puluh฀ delapan)฀ Kantor฀Ofice฀Channeling฀mencapai฀Rp฀43,15฀miliar,฀ naik฀sebesar฀Rp฀8,98฀miliar฀atau฀naik฀sebesar฀26,26%฀ dengan฀ 5,929฀ nasabah฀ dibandingkan฀ posisi฀ 31฀ Desember฀2008.

•฀ Pencapaian฀ tersebut฀ mencerminkan฀ meningkatnya฀ kepercayaan฀ nasabah฀ dan฀ masyarakat฀ terhadap฀ perbankan฀syariah฀yang฀dikelola฀Bank฀Jabar฀Banten,฀ sehingga฀niat฀Bank฀Jabar฀Banten฀untuk฀mendorong฀ pertumbuhan฀ ekonomi฀ Jawa฀ Barat฀ dan฀ Banten฀ melalui฀ penghimpunan฀ dana฀ untuk฀ meningkatkan฀ kemampuan฀ ekonomi฀ umat,฀ Insya฀ Allah฀ dapat฀ tercapai.

TREASURY

Bank฀ Jabar฀ Banten฀ Syariah฀ telah฀ mengembangkan฀ kegiatan฀usaha฀treasury฀dalam฀bentuk฀penempatan฀pada฀ Bank฀ Indonesia฀ (FASBI),฀ PUAS฀ (Pasar฀ Uang฀ Antar฀ Bank฀ Berdasarkan฀Prinsip฀Syariah),฀IMA฀(Investasi฀Mudharabah฀ Antar฀Bank)฀dan฀Surat฀Berharga,฀mengembangkan฀system฀ dan฀ prosedur฀ pembiayaan฀ komersil,฀ dan฀ melaksanakan฀ program-program฀ untuk฀ mendorong฀ peningkatan฀ pertumbuhan฀ portofolio฀ pembiayaan฀ dan฀ DPK฀ (Dana฀ Pihak฀Ketiga)฀yang฀sehat.

PENGEMBANGAN PRODUK DAN LAYANAN

Layanan฀ Gadai฀ Emas฀ Syariah฀ yang฀ dikembangkan฀ sejak฀ tahun฀ 2004,฀ telah฀ berhasil฀ menyalurkan฀ dana฀ sebesar฀ Rp฀ 53,39฀ miliar฀ dengan฀ perolehan฀ pendapatan฀ sebesar฀ Rp฀7,29฀miliar฀per฀31฀Desember฀2009.฀Saat฀ini฀Layanan฀ Gadai฀ Emas฀ Syariah฀ terus฀ dikembangkan฀ di฀ seluruh฀ Kantor฀ Cabang฀ dan฀ Cabang฀ Pembantu฀ Syariah฀ Bank฀ Jabar฀Banten.

Bank฀Jabar฀Banten฀telah฀menghadirkan฀“Layanan฀Syariah”฀ untuk฀ mendekatkan฀ kepada฀ nasabah฀ dalam฀ memilih฀ layanan฀sesuai฀keyakinan.฀Nasabah฀dapat฀memanfaatkan฀ transaksi฀ perbankan฀ syariah฀ seperti฀ pembukaan฀ Giro,฀ Tabungan,฀ dan฀ Deposito฀ maupun฀ pembiayaan฀ yang฀ sesuai฀ dengan฀ prinsip฀ syariah.฀ Fasilitas฀ ATM฀ dan฀ itur฀ kartu฀ ATM฀ terus฀ dikembangkan฀ untuk฀ meningkatkan฀ pelayanan฀selain฀juga฀penambahan฀jaringan฀ATM฀untuk฀ memperluas฀pelayanan.฀

revenue per December 31, 2009 amounted to Rp 7.29 billion, an increase of Rp 2.92 billion or 66.94% compared to the position as per December 31, 2008

•฀ Earnings฀ per฀ December฀ 31,฀ 2009฀ amounted฀ to฀

Rp 33.18 billion, an increase of Rp 9.93 billion or 42.69% compared to the position as per December 31, 2008.

•฀ Mobilization฀of฀funds฀from฀28฀(twenty฀eight)฀Ofice฀

Channeling reached Rp 43.15 billion, an increase of Rp 8.98 billion, or increased 26.26% compared with the 5.929 client’s position 31 December 2008.

•฀ The฀ achievement฀ relects฀ the฀ increasing฀ customers’฀

and community trust towards sharia banking managed by the Bank Jabar Banten, thus our intention to encourage economic growth in West Java and Banten areas through fund raising to improve people’s economic ability, God willing, may become a reality.

TREASURY

Bank Jabar Banten Sharia has developed treasury operations in the form of placements at Bank Indonesia (FASBI), PUAS (Sharia Interbank Money Market), IMA (The Interbank Mudharabah Investment) and Securities, to develop systems and procedures for commercial financing, and implementing programs to encourage sound financing portfolio growth and DPK (Third Party Fund).

DEVELOPMENT OF PRODUCTS AND SERVICES Layanan Gadai Emas Syariah (Sharia Gold Pawn services) developed since year 2004, has managed to channel Rp 53.39 billion with revenue totalling Rp 7.29 billion as per December 31, 2009. Currently, we continue to develop our sharia gold pawn services at all branches and supporting sharia branches of the Bank Jabar Banten.

Bank Jabar Banten has presented “Syariah services” to get closer to customers in choosing services according to their belief. Customers may take advantage of Islamic banking transactions such as opening of the Account, Savings, Deposits and financing options suitable with the sharia principles. ATM facilities and ATM card features are continuously developed to improve our services as well as additional ATM networks to expand our service range.

Sosialisasi฀ dan฀ promosi฀ dalam฀ berbagai฀ bentuk฀ dan฀ kegiatan฀ terus฀ dilakukan฀ secara฀ intensif฀ bekerjasama฀ dengan฀ pihak฀ swasta฀ maupun฀ lembaga฀ pemerintahan฀ untuk฀membangun฀citra฀produk฀dan฀lembaga฀(corporate image)฀Bank฀Jabar฀Banten฀Syariah.

SUMBER DAYA INSANI

Sampai฀ dengan฀ Desember฀ 2009,฀ Unit฀ Usaha฀ Syariah฀ Bank฀Jabar฀Banten฀dikelola฀oleh฀283฀karyawan฀termasuk฀ outsourcing฀ dan฀ PKWT.฀ Jumlah฀ tersebut฀ akan฀ terus฀ berkembang,฀ baik฀ dasi฀ sisi฀ kuantitas฀ maupun฀ kualitas฀ melalui฀ rekruitasi฀ serta฀ pendidikan฀ dan฀ pelatihan฀ yang฀ berkesinambungan฀ untuk฀ dapat฀ memberikan฀ kinerja,฀ layanan฀serta฀bagi฀kepuasan฀optimal฀para฀nasabah.฀Salah฀ satu฀ upaya฀ peningkatan฀ kualitas฀ sumber฀ daya฀ insani฀ dalam฀bidang฀pelatihan฀serta฀product knowledge฀adalah฀ dengan฀ mengembangkan฀ pelatihan฀ berbasis฀ internet฀ yaitu฀program฀E-learning.

JARINGAN KANTOR

Sampai฀ dengan฀ Desember฀ 2009,฀ Bank฀ Jabar฀ Banten฀ Syariah฀telah฀berkembang฀dari฀39฀(tiga฀puluh฀sembilan)฀ jaringan฀kantor฀pada฀Desember฀2008฀menjadi฀49฀(empat฀ puluh฀sembilan)฀jaringan฀kantor฀yang฀terdiri฀dari: •฀ 6฀(enam)฀Kantor฀Cabang฀Syariah

•฀ 15฀(lima฀belas)฀Kantor฀Cabang฀Pembantu฀Syariah •฀ 28฀ (dua฀ puluh฀ delapan)฀ Kantor฀ Layanan฀ Syariah฀

(Office Channeling)฀ yang฀ dibuka฀ di฀ Kantor฀ Cabang฀ Konvensional.

TEKNOLOGI INFORMASI

Untuk฀mendukung฀kegiatan฀perbankan฀syariahnya,฀Bank฀ Jabar฀ Banten฀ melanjutkan฀ implementasi฀core banking system฀ syariah฀ yang฀ meliputi฀ berbagai฀ aplikasi฀ untuk฀ melengkapi฀ penerapan฀ teknologi฀ informasi฀ sebelumnya฀ seperti฀RTGS฀(Real Time Gross Setlement)฀SKNBI฀(Sistem฀ Kliring฀Nasional฀Bank฀Indonesia)

Our campaigns and promotions are held intensively in various forms and activities by collaborating with private and government institutions to build the product and corporate image of the Bank Jabar Banten Syariah.

HUMAN RESOURCES

Up to December 2009, the Sharia Business Units of the Bank Jabar Banten has been managed by 283 employees including outsourced and contracted employees. The number will continue to rise, both in quality and in quantity through sustainable recruitment, education and training to excel in performance and services, aiming at our customers’ optimal satisfaction. One of our human resources improvement efforts in training and product knowledge is to develop internet-based training known as E-learning programs.

OFFICE NETWORK

Up to December 2009, Bank Jabar Banten Syariah has evolved from 39 (thirty nine) office networks in December 2008 to 49 (four twenty-nine) offices, consisting of:

•฀ 6฀(six)฀Sharia฀Branch฀Ofices

•฀ 15฀(ifteen)฀Supporting฀Sharia฀Branch฀Ofices •฀ 28th฀ (twenty฀ eight)฀ Sharia฀ Service฀ Outlets฀ (Ofice฀

Channeling), which are opened at our concentional Branch Offices.

INFORMATION TECHNOLOGY

To support the sharia banking activities, Bank Jabar Banten continues to implement the sharia core banking system that includes various applications for complement the previous information technology such as the RTGS (Real Time Gross Setlement), SKNBI (Bank Indonesia National Clearing)