Dalam tabel di atas, terlihat adanya peningkatan dari tahun ke tahun atas penyaluran kredit dan penempatan pada efek-efek. hal ini sesuai dengan kebijakan BVIC untuk meningkatkan kinerjanya melalui peningkatan aset produktif yang memberikan yield lebih baik terutama dalam bentuk kredit terutama pada sektor ritel dan komersial. selain itu, BVIC juga menerapkan strategi untuk mengoptimalkan aset produktif yang relatif aman dan memberikan imbal hasil yang menguntungkan, sebagaimana tercermin pada peningkatan atas efek-efek yang dimiliki BVIC. kredit yang diberikan merupakan komponen aset produktif yang utama bagi BVIC. Dalam menyalurkan kredit, BVIC senantiasa berpedoman pada prinsip kehati-hatian. BVIC memiliki komite kebijakan Perkreditan yang menetapkan strategi dan arah perkreditan yang tepat dan sehat dengan memperhatikan aspek hukum, distribusi/komposisi penyalurannya pada sektor usaha, jangka waktu dan segmen pasar, dan komite kredit yang menerapkan kebijakan pemberian kredit yang hati-hati, serta bertugas mengambil keputusan berdasarkan analisa kualitatif dan analisa kuantitatif yang memadai.
Langkah-langkah yang dilakukan BVIC dalam penyaluran kredit adalah sebagai berikut:
• BVIC menempuh proses pemberian kredit yang sehat, termasuk prosedur persetujuan kredit, proses dokumentasi dan administrasi kredit serta prosedur pengawasan kredit.
• BVIC melakukan pemantauan, pembinaan dan pengawasan yang lebih intensif terhadap kredit yang perlu mendapat perhatian khusus, yaitu kredit yang kolektibilitasnya non-lancar dan kredit lancar yang cenderung memburuk.
• BVIC tidak akan mengkapitalisasi tunggakan bunga kredit yang melebihi 3 (tiga) bulan.
the above table shows the increase year after year in loans disbursed and placement in securities. this is in line with BVIC’s policy of improving its performance through the increase of productive assets with higher yield, especially in the form of loans to the retail and commercial sectors. In addition, BVIC is also implementing a strategy to optimize the productive assets that are safe and bearing attractive yields, as reflected on the increase in the value of securities owned by BVIC.
Loans comprise the most important component of BVIC’s productive assets. In disbursing loans, BVIC upholds the principle ofprudence. BVIC has a Credit Policy Committee that determines the strategy and direction of BVIC’s lending activities, to ensure that they are accurate and sound, by taking into account the legal aspect, lending distribution/composition by business sectors, time frames, and market segments, as well as the Credit Committee that implements a prudent lending policy and is responsible for making decisions based on adequate qualitative and quantitative analyses.
the measures taken by BVIC in extending its credit facility are as follows:
• BVIC follows through a sound procedural protocol for lending, which includes loan approval, documentation, adminsitration, and loan supervision.
• BVIC monitors, maintains and supervises more intensively loans that require special attention, namely those that are considered bad debts and those whose repayment quality is decreasing. • BVIC will not capitalize the dues from interest
payment of loans that have not been serviced for more than 3 (three) months.
Berikut ini disajikan tabel yang merinci perkembangan penempatan dan penyaluran dana dalam aset produktif BVIC:
the following table shows the growth in lending activities as recognized in BVIC’s productive assets:
L A P O R A N TA H U N A N 20 14
52 P T V ic to r ia I nve s t a m a T b k 1. kartu atm Victoria
Victoria atm Card kartu atm untuk menarik dana, debit rekening dan check saldo setiap saat melalui seluruh jaringan atm BCa dan atm Prima di mana sejak januari 2005, nasabah BVIC dapat melakukan transaksi perbankan.
atm card which can be used to withdraw money, transfer money, and check balance any time through the atm BCa and atm Prima network, on which since january 2005 BVIC customers have been able to use to perform banking transactions.
2. transfer
transfer
Layanan pengiriman maupun penerimaan uang antarbank.
Interbank sending or receiving of money from other accounts
3. rtgs
rtgs Layanan pengiriman maupun penerimaan uang antarbank secara real time. Interbank sending or receiving of money on a real time basis.
4. kliring
Clearing Pertukaran warkat atau data keuangan elektronik antarbank peserta kliring.
Exchange of electronic financial data among banks that are participants of the clearing mechanism.
5. Pemindahbukuan
remittance jaringan kantor BVIC yang on-line memungkinkan kegiatan pengiriman uang ke seluruh kantor Perseroan efektif pada hari yang sama.
with the online connectedness of all branches of BVIC, transfer of fund to and from any branch of BVIC to another is effective on the same day.
6. transaksi money Changer
money Changer jasa pelayanan baik bagi nasabah maupun non-nasabah untuk melakukan penukaran/jual beli berbagai mata uang asing.
Customers or non-customers of the Bank may exchange their currencies at BVIC.
• Prosedur penyelesaian kredit bermasalah dan prosedur penghapusbukuan kredit macet serta tata cara pelaporan kredit macet didasarkan prinsip perkreditan yang sehat sesuai ketentuan Bank Indonesia yang berlaku.
• Tata cara penyelesaian agunan kredit yang diambil alih BVIC didasarkan pada ketentuan yang berlaku.
Jasa Layanan Perbankan Lainnya
Diarahkan untuk memberikan jasa layanan yang unggul sesuai dengan kebutuhan masyarakat melalui upaya peningkatan teknologi, perluasan dan relokasi jaringan kantor serta kemitraan dengan lembaga/ badan usaha/instansi lainnya.
untuk memberikan layanan yang optimal kepada masyarakat, BVIC memberikan jasa-jasa berikut:
• The procedures for resolving non-performing loans and for writing off such loans, and the procedures for reporting these non-performing loans are based on sound lending principles as regulated by Bank Indonesia.
• The procedures for resolving loan collaterals that are taken over by BVIC are based on the prevailing regulations.
Other Banking Services
this business is aimed at providing an excellent range of services in line with the needs in the market, by employing technological upgrades, expansion and relocation of office network, and partnership with institutions/business entities/other bodies.
Providing an optimal level of excellence to the public, BVIC offers the following range of additional services:
7. Pemindahbukuan otomatis
automatic remittance Dapat dilakukan setiap saat dengan jumlah yang diinginkan nasabah ke rekening lainnya.
remittances carried out automatically at designated times with a designated amount of fund from one customer’s account to the other.
8. Bank garansi
Bank guarantee
melayani pembukaan berbagai jenis Bank garansi seperti Bid Bond, advance Payment Bond, Performance Bond dan untuk keperluan pabean.
Issuance of bank guarantee, such as bid bond, advance payment bond, and performance bond, as well as for customs.
9. PLn Praqtis
PLn Praqtis kerjasama dengan PLn untuk melakukan penerimaan pembayaran rekening listrik secara online.
Cooperation with PLn for the payment of electricity billing online.
10. Pembayaran telkom
telkom Payment
kerjasama dengan Pt Finnet Indonesia untuk memberikan kemudahan kepada nasabah dalam bentuk layanan pembayaran rekening telepon, Flexi, dan internet speedy.
Cooperation with Pt Finnet Indonesia to provide customers with the ease when paying their phone, Flexi, and speedy internet bills.
11. Pembayaran gaji karyawan (Payroll)
employee Payroll
Layanan bagi nasabah korporasi, memberikan kemudahan dalam pembayaran gaji karyawan.
service provided to corporate customers that will facilitate payroll processes for their employees.
12. western union
western union
Layanan pengiriman dan penerimaan uang baik dalam negeri maupun lintas negara.
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54 P T V ic to r ia I nve s t a m a T b k