(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 (%)
Dengan melihat kondisi tersebut, bank bjb menyusun prioritas rencana bisnis untuk tahun buku 2014 sebagai berikut:
1. Efisiensi biaya operasional dalam rangka meningkatkan daya saing dan kinerja bank.
2. Pengembangan dan peningkatan kualitas layanan.
3. Pengembangan kompetensi sumber daya manusia dan teknologi informasi.
4. Mengembangkan bjbIncorporated.
Terkait dengan rencana mengembangkan integrasi bisnis dengan perusahaan anak, dilakukan dalam rangka meningkatkan kinerja perusahaan demi terwujudnya cita-cita menjadikan bank bjb sebagai salah satu bank terbesar di Indonesia. Adapun langkah integrasi tersebut, salah satunya meliputi integrasi sistem.
In addition, the data of the Financial Services Authority (OJK) on banking statistics also revealed that the value of deposits in commercial banks continued to increase; despite in terms of growth it experienced slowdown. Customer funds collected in commercial banks last year grew 14% over the previous year.
By looking at these conditions, bank bjb established business plan priorities for the year 2013.
By looking at these conditions, bank bjb also established business plan priorities for the financial year 2014 as follows:
1. Operational cost efficiency in order to enhance the competitiveness and performance of the bank.
2. Develop and improve of the quality of services.
3. Develop the competencies of human resources and information technology.
4. Develop bjb Incorporated.
Associated with the plan to develop business integration with the subsidiary companies, implementation was conducted to improve the performance of the Company in order to realize the ideals of making bank bjb as one of the largest banks in Indonesia. One of the steps of the integration includes the integration of system.
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Hal itu dilakukan untuk mempermudah pengolahan data. Integrasi sistem ini akan mendukung kerja sama Host to Host antara Perseroan dengan perusahaan anak melalui perantara switching system.
Keterangan Description
Jenis Kerja Sama Cooperation Type
Kontribusi Contribution
bank bjb Syariah - Penambahan Gerai Syariah di beberapa kantor cabang bank bjb
Addition of Sharia Outlet in several bank bjb
branch offices
- Proses kerja sama Host to Host antara bank
bjb dan bank bjb Syariah
Host to Host interface process between bank
bjb and bank bjb Syariah
Manfaat:
- Diversifikasi layanan dan produk Services and Product Diversification
- Meningkatkan profitabilitas bjb dari dividen
Increasing bank bjb profitability from dividends received
PT Asuransi Bangun Askrida - Pertanggungan atas Kredit Guna Bhakti, KPR, garansi bank, dan mikro di bank bjb
Collateral on Kredit Guna Bhakti, KPR, bank guarantee, and micro loan in bank bjb
- Penempatan dana Askrida di bank bjb
Placement of Askrida funds at bank bjb
- Meningkatkan profitabilitas bjb dari dividen
Increasing bank bjb profitability from dividends received
- Mendukung peningkatan DPK
Support for increased third party funds
BPR - Penyaluran kredit linkage program dan kredit eksekuting (Rekening Koran)
Disbursement of linkage program loans and executing loans (overdraft loans)
- Kerja sama Host to Host antara bank bjb
dan BPR (untuk sementara hanya untuk BPR perusahaan anak)
Host to Host interfacing process between bank bjb and BPR (temporarily only for BPR subsidiaries)
Meningkatkan profitabilitas bjb baik dari penerimaan bunga kredit dan sekaligus peningkatan penerimaan dividen
Increased profitability for bank bjb from loan interest income as well as from increased dividends
Terkait dengan rencana Perseroan untuk memperkuat dan meningkatkan aset serta penerimaan dividen, pada 2014 terdapat rencana untuk melakukan tambahan penyertaan modal kepada anak perusahaan dan perusahaan terafiliasi sesuai dengan RBB 2014. 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 2013 bank bjb berencana melakukan proses penyertaan modal kepada perusahaan asuransi (PT Asuransi Staco Mandiri) sebesar Rp70.371 juta. Untuk rencana ini, Perseroan telah mengajukan izin penyertaan modal ke Bank Indonesia.
Bank Indonesia belum memberikan keputusan menolak ataupun menyetujui atas permohonan tersebut melainkan mengembalikan. Hal itu terjadi karena terdapat persyaratan tambahan yang harus dipenuhi oleh Perseroan (surat BI No. 15/188/DPKP/2013 tanggal 31 Oktober 2013 perihal Permohonan Persetujuan Penyertaan Modal Bank Saudara dan surat BI No. 15/217/DPKP/Bd tanggal 9 Desember 2013 perihal Permohonan Persetujuan Modal Bank Saudara).
This was conducted to facilitate the processing of data. The integration of system will support Host to Host cooperation between the Company and its subsidiaries through the intermediary of switching system.
Related to the plan of bank bjb to strengthen and increase assets and dividend income, bank bjb plans to add capital investments to our subsidiaries and affiliated companies in 2014 in accordance with the Bank’s Business Plan 2014. The details are:
Meanwhile in 2013, bank bjb also planned to add capital investments to a company outside our subsidiaries and affiliated companies, namely the insurance company PT Asuransi Staco Mandiri with the amount of Rp70,371 million. For this plan, the Company has requested permission from Bank Indonesia.
Bank Indonesia did not issue rejection nor approval of the request, however returned the request to the Company because there are additional requirements that must be met by bank bjb (BI letter No. 15/188/DPKP/2013 dated October 31, 2013 concerning the Application for Approval of Capital Investment of Bank Saudara and BI letter No. 15/217/DPKP/Bd dated December 9, 2013 concerning the Application for Approval of Capital of Bank Saudara).
Introduction
Management Discussion
& Analysis on Company
Performance Good Corporate Governance Corporate Social Responsibility Corporate Data Consolidated Financial Statements
Pada tahun 2014 bank bjb akan mencoba mengusulkan kembali (pengajuan ulang) mengenai rencana penyertaan modal kepada PT Asuransi Staco Mandiri melalui OJK. Jika otoritas keuangan tersebut menyetujui permohonan, maka untuk realisasinya akan dianggarkan kembali pada Revisi RBB 2014, sehingga total penyertaan menjadi sebagai berikut:
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
PT Asuransi Staco Mandiri 70.371 PT Asuransi Staco Mandiri
Total Penyertaan 206.021 Total Inclusion In 2014 bank bjb will try to resubmit the request for capital investment in PT Asuransi Staco Mandiri through the FSA. If the financial authority approves the request, the realization will be budgeted in the Revised Bank Business Plan in 2014, thus the total investment will be as follows: