Laporan Tahunan
a n n u a L r e p o r T
2016
idx : bjbr
Semakin Berkembang
As a commercial bank, owned by a local government, that is publicly listed,
bjb
bank already has a strong
image as a commercial bank that is growing rapidly and becoming a national bank. Currently
bjb
bank
has a network of offices spread in 14 provinces, mainly in West Java and Jakarta, Indonesian economic
centers. In terms of products,
bjb
DIGI electronic banking services has encouraged the development of
various bank
bjb
products.
Going forward, the Company has strategies to capture expansion opportunities. With an increasing financially
literate society, economic activities are high in West Java, Banten and Jakarta Provinces, and the expansion
of cooperation between bank
bjb
with several government agencies, has created major opportunities
identified by the Company. By creating the right strategies, and maintaining good relationships with its
stakeholders, the Company is confident.
Semakin Berkembang
Bersama Peluang Baru yang Membentang
Strengthening the Foundation
Dengan mengevaluasi posisi kami di saat-saat penuh tantangan, kami dapat memahami dengan jelas apa yang harus dilakukan untuk meraih kembali momentum pertumbuhan Perseroan. Kami menyadari perlunya melakukan perbaikan di beberapa aspek operasional dan kami telah membuat berbagai kebijakan dan mengambil tindakan yang diperlukan sebagai respon atas tantangan tersebut. Pada dasarnya, kami telah menyiapkan landasan yang lebih kokoh untuk memacu pertumbuhan yang lebih cepat di masa mendatang.
Strengthening the Foundation By evaluating our position during challenging times, we can clearly understand what to do to regain the Company’s growth momentum. We realize the need to make improvements in several operational aspects and we have developed various policies and take necessary actions in response to such challenges. We have basically prepared stronger foundation to stimulate faster growth in the future 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.
Moving Forward with Greater Value for Customers
bank bjb continues to grow over time according to the business goals planned. Of course, there are many challenges encountered. However, one thing is for sure, bank bjb has strong commitment to always improve its quality in all sectors in order to deliver greater value for its customers. This is the business foundation of bank bjb.
Continuously Developing
Fundamentals for Sustainable Growth and Profit
Sudah banyak yang berhasil dicapai oleh bank bjb sejak transformasinya yang diawali dengan Penawaran Saham Perdana (IPO) pada tahun 2010. Jaringan pelayanan bertambah luas, ragam produk semakin bervariasi, dan citra korporat semakin kokoh sebagai sebuah bank nasional. Sepanjang tahun 2012, bank bjb terus menata dan memperkuat landasan-landasan utama bisnisnya, agar dapat terus tumbuh dan meraih keuntungan menuju perwujudan aspirasinya menjadi salah satu dari 10 bank nasional terbesar dan berkinerja terbaik di Indonesia.
Continuously Developing Fundamentals for Sustainable Growth and Profit
There have already been many successful bank bjb achievements since its transformation that begab with its Initial Public Offering (IPO) in 2010. The expanded service network, varied product range, and the more solid corporate image as a national bank. Throughout 2012, bank bjb continued to organize and strengthen its main business, continued to grow and made profits towards its aspiration of becoming one of the 10 largest national banks and the best performing in Indonesia.
•
IDX : BJBR
Continuously Developing Fundamental for Sustainable
Growth and Profit
2012 Laporan Tahunan Annual Report
2012
IDX : BJBR
Moving Forward
with Greater Value for Customers
Laporan Tahunan 2013 Annual Report
2013
Laporan Tahunan
2014 Annual Report
IDX:BJBR
Strengthening
the Foundation
Semakin Berkembang
Bersama Peluang Baru yang Membentang
Sebagai Bank Umum yang dimiliki oleh Pemerintah Daerah yang telah go public, bank bjb
telah memiliki image yang kuat sebagai bank umum yang sedang berkembang dengan pesat dan menjadi bank nasional. Saat ini bank bjb telah memiliki jaringan kantor yang menyebar di 14 provinsi, terutama Jawa Barat serta Jakarta yang merupakan pusat perekonomian Indonesia. Dari sisi produk, layanan electronic banking (bjb DIGI) telah medorong berkembangnya berbagai produk bank bjb.
Kedepannya, Perseroan telah menetapkan berbagai strategi untuk menangkap berbagai peluang yang membentang. Semakin meningkatnya literasi keuangan masyarakat, kegiatan ekonomi yang cukup tinggidi Provinsi Jawa barat, Banten dan DKI Jakarta, dan perluasan kerjasama antara bank bjb dengan beberapa institusi pemerintah merupakan peluang-peluang utama yang telah diidentifikasi oleh Perseroan untuk bisa ditangkap. Dengan melakukan formulasi strategi yang tepat dan menjaga hubungan baik dengan pemangku kepentingan, Perseroan yakin pertumbuhan bisnis bank bjb kedepannya akan semakin berkembang.
Growing Together
with New Expanding Opportunities
As a commercial bank, owned by a local government, that is publicly listed, bjb bank already has a strong image as a commercial bank that is growing rapidly and becoming a national bank. Currently bjb bank has a network of offices spread in 14 provinces, mainly in West Java and Jakarta, Indonesian economic centers. In terms of products, bjb
DIGI electronic banking services has encouraged the development of various bank bjb
products.
Going forward, the Company has strategies to capture expansion opportunities. With an increasing financially literate society, economic activities are high in West Java, Banten and Jakarta Provinces, and the expansion of cooperation between bank bjb with several government agencies, has created major opportunities identified by the Company. By creating the right strategies, and maintaining good relationships with its stakeholders, the Company is confident.
Mempertahankan Momentum Pertumbuhan
Perseroan menyadari bahwa kinerja perusahaan yang baik bukan sekadar tumbuhnya pendapatan maupun laba usaha, namun lebih dari itu, harus diimbangi dengan kinerja yang berkualitas. Dari sisi kredit misalnya, tidak sekadar tumbuh di atas rata-rata industri, tetapi rasio kredit bermasalahnya harus manageable. Hal itulah yang dilakukan oleh bank bjb. Pertumbuhan kinerja usaha senantiasa diikuti dengan penerapan manajemen risiko dan tata kelola perusahaan yang baik agar momentum pertumbuhan dapat menjadi fundamental yang kokoh. Perseroan memandang bahwa fundamental yang baik dan kokoh, pada akhirnya akan menjadi penunjang pertumbuhan kinerja usaha Perseroan yang telah ditargetkan, yaitu seperti tertuang dalam Kebijakan Umum Direksi sebagai acuan kerja tahunan serta Visi dan Misi Perseroan yang menjadi acuan jangka panjang.
Keeping Momentum for Future Growth Perseroan menyadari bahwa kinerja perusahaan yang baik bukan sekadar tumbuhnya pendapatan maupun laba usaha, namun lebih dari itu, harus diimbangi dengan kinerja yang berkualitas. Dari sisi kredit misalnya, tidak sekadar tumbuh di atas rata-rata industri, tetapi rasio kredit bermasalahnya harus manageable. Hal itulah yang dilakukan oleh bank bjb. Pertumbuhan kinerja usaha senantiasa diikuti dengan penerapan manajemen risiko dan tata kelola perusahaan yang baik agar momentum pertumbuhan dapat menjadi fundamental yang kokoh. Perseroan memandang bahwa fundamental yang baik dan kokoh, pada akhirnya akan menjadi penunjang pertumbuhan kinerja usaha Perseroan yang telah ditargetkan, yaitu seperti tertuang dalam Kebijakan Umum Direksi sebagai acuan kerja tahunan serta Visi dan Misi Perseroan yang menjadi acuan jangka panjang.
Laporan Tahunan a n n u a L r e p o r T2016
idx : bjbr
Semakin Berkembang Bersama Peluang Baru yang Membentang
Membangun Indonesia Memahami Negeri
Growing Together with New Expanding Opportunities
IDX : BJBR
Kee ing M omentum for Future Grow t h
Memper t ahankan Moment um Per t umbuhan
2015 Annual Repor t Lapor an Tahunan
GROWTH
15.36%
BEST OF
THE BEST
REGIONAL BANK BUKU III
DALAM
EVENT
MALAM APRESIASI BPD 2016 OLEH KORAN SINDO
In The Event of 2016 BPD Appreciation Night by Sindo Newspaper
BEST PERFORMANCE
BANK BUKU III
DALAM
EVENT
MALAM APRESIASI BPD 2016 OLEH KORAN SINDO
In The Event of 2016 BPD Appreciation Night by Sindo Newspaper
1.69%
0.75%
NPL GROSS turuN dari 2.91% meNjadi 1.69% (baNk oNLy)
NPL gross decreased from 2,91% to 1,69% (baNk oNLy)
daLam EVENT iNdoNesia BANKING AWARD 2016
iN aN eveNt of iNdoNesia baNkiNg award 2016
daLam EVENT 2016 BANKING SERVICE AWARD oLeh majaLah iNfobaNk daN mri
iN aN eveNt 2016 baNkiNg serive award by iNfo baNk bagaziNe aNd mri
NPL Neto turuN dari 0.86% meNjadi 0.75% (baNk oNLy)
15.43%
DISTRIBUTION
OF CREDIT GROW
5.88%
INTEREST INCOME
GROWING AND SHARIA
6.32% 7.40%
NET INTEREST
MARGIN UP
PERTUMBUHAN DPK
TERBESAR
BANK BUKU III
DALAM
EVENT
MALAM APRESIASI BPD 2016 OLEH KORAN SINDO
In The Event of 2016 BPD Appreciation Night by Sindo Newspaper
PROFITABILITAS
TERTINGGI BUKU III
DALAM
EVENT
MALAM APRESIASI BPD 2016 OLEH KORAN SINDO
In The Event of 2016 BPD Appreciation Night by Sindo Newspaper
16.09%
GROWTH IN DPK
daLam eveNt iNdoNesia baNkiNg award 2016
iN aN eveNt of iNdoNesia baNkiNg award 2016
daLam acara
THE BEST SMALL CAP COMPANY iN iNdoNesia yaNg diseLeNggarakaN majaLah fiNaNce asia
iN eveNt
de eewrste Nederlandsche- indische spaarkas en hyphoteekbank (deNis, 1915). deNis merupakan salah satu bank tabungan dan hipotik di hindia belanda
de eerste Neder landsche-indische spaarkas en hyphoteekbank (deNis, 1915). deNis said to be the first saving and hypoteek bank is in the east indies
menerbitkan obligasi untuk pertama kalinya
issued its first bond
bentuk hukum Perseroan diubah dari Perseroan terbatas (Pt) bank karja Pembangunan daerah djawa barat menjadi Perusahaan daerah (Pd) bank karja Pembangunan daerah djawa barat
the company’s legal entity was changed from Limited Liability company (Pt) bank karja Pembangunan daerah djawa barat (west java regional development karja bank) to regional-owned company (Pd) bank karja Pembangunan daerah djawa barat (west java regional development karja bank)
Perubah dari Pd menjadi Perseroan terbatas (Pt)
Legal status of bank jabar changed from Pd into a limited liability company (Pt)
Perusahaan daerah (Pd) bank karja Pembangunan daerah djawa barat selanjutnya diubah menjadi Pd bank Pembangunan daerah jawa barat
regional-owned company (Pd) bank karja Pembangunan daerah djawa barat was then changed to Pd bank Pembangunan daerah jawa barat
menjadi bank Pembangunan daerah pertama di indonesia yang menjalankan
dual banking system, yaitu memberikan layanan perbankan dengan sistem konvensional dan dengan sistem syariah
became the first regional development bank in indonesia that implemented dual banking system, to provide banking services with conventional system and sharia system
bank bjb didirikan dengan nama
Pt bank karja Pembangunan daerah djawa barat yang merupakan hasil nasionalisasi bank “Nv denis” pada masa pemerintahan belanda
bank bjb established with the name of
Pt bank karja Pembangunan daerah djawa barat which was nationalized from Nv deNis, a dutch company
aktivitas bank Pembangunan daerah jawa barat
ditingkatkan menjadi bank umum devisa
the activities of west java regional development bank (bPd) were upgraded to foreign exchange commercial bank
1915
1991
1972
1999
1978
2000
1961
Nama Perseroan berubah menjadi Pt bank Pembangunan daerah jawa barat dan banten dengan sebutan
“bank jabar banten”
company’s name was changed to Pt bank Pembangunan daerah jawa barat dan banten as “bank jabar banten”
• ditunjuk menjadi bPjs regional Strategic Partner
dan BPJS Service Point Office
• meluncurkan bjb digi • meluncurkan e-samsat
dan e-tax
• appointed as bPjs regional strategic Partner and bPjs service Point office
• Launched bjb digi • Launched e-samsat and
e-tax
• Peningkatan rating dari Pefindo menjadi peringkat idaa-• Pemisahan (spin off) unit usaha syariah
• sebutan “bank jabar banten” resmi diubah menjadi “bank
bjb”
• mencatatkan saham perdananya (iPo) di bursa efek indonesia (bei)
• rating improvement from Pefindo to idaa-• spin off of sharia business unit
• “bank jabar banten” was officially changed to “bank bjb” • Listed its initial public offering (iPo) in indonesia stock
exchange (bei)
• meluncurkan Pesat (Pemberdayaan masyarakat terpadu)
• meluncurkan bjb sahabat usaha
• Launched Pesat (integrated community empowerment) • Launched bjb sahabat usaha
menerbitkan obligasi vii
issued bond vii
• meluncurkan Program bjb cinta guru
• ditunjuk menjadi bank Persepsi
Tax Amnesty
• menambah kantor wilayah untuk daerah timur indonesia • meluncurkan kredit usaha bhakti
• Launched bjb cinta guru Program
• appointed as tax amnesty Payment bank
• added regional office for eastern indonesia
• Launched kredit usaha bhakti
menerbitkan obligasi vi
issued bond vi
Rebranding bjb Precious
rebranding bjb Precious
2007
2014
2010
2015
2011
2016
2009
•
bank
bjb
telah memiliki layanan jasa kustodian
dan wali amanat
•
bank
bjb
ditunjuk sebagai salah satu dari 18 bank
persepsi yang melaksanakan penampungan dana
tax amnesty
•
Bank Umum yang dimiliki oleh pemerintah daerah
dan telah
go public
•
Memiliki
image
yang kuat sebagai bank umum
yang sedang berkembang dengan pesat dan
menjadi bank nasional
•
Memiliki basis nasabah yang loyal dalam jumlah
besar yaitu PNS, para pensiunan dan masyarakat
setempat serta mengenal dengan lebih baik
potensi ekonomi dan bisnis di daerahnya
•
Berada di Provinsi Jawa Barat dan Banten yang
mempunyai sumber daya alam yang luas, sumber
daya manusia, dan kawasan industri besar serta
kegiatan ekonomi yang terus berkembang
•
Memiliki jaringan kantor yang relatif menyebar di
14 Provinsi terutama Jawa Barat dan Banten serta
Jakarta yang merupakan pusat perekonomian
Indonesia
•
Sebagai institusi pengelola keuangan kas
daerah meliputi gaji Pegawai Negeri Sipil, proyek
dilingkungan Pemerintah Daerah dan
program-program lainnya serta perkreditan
•
Penunjukan bank
bjb
sebagai bank operasional
II (BO II) yang melaksanakan penyaluran gaji
Pemerintahaan Pusat yang ditempatkan di Daerah
•
Produk bank
bjb
yang semakin berkembang
dengan adanya layanan
electronic banking
(
bjb
DIGI) meliputi
bjb
ATM,
internet banking
(
bjb
NET)
serta SMS
banking
(
bjb
SMS) serta kartu kredit
co-branding
bersama BNI serta kerjasama layanan
pembayaran PBB dengan alfamart,
bjb
edu-pay
,
bjb
account service
,
bjb
e-tax
,
bjb
payroll service
,
bjb
payment service
,
bjb
pickup and delivery service
,
bjb
waterbills
,
bjb
multifinance payment
,
bjb
hospital
payment
,
bjb
e-ticket
dan
bjb
jamsostek
service
point office
•
bank
bjb
has hold custodian and trustee services
•
bank
bjb
was appointed as one of 18 tax payment
banks that hold tax amnesty fund Commercial
•
bank owned by regional government and had
gone public
•
Has strong image as commercial bank growing
rapidly and becoming national bank
•
Has large numbers of loyal customers, which are
civil servants, retirees, and local communities,
and is acquainted with economic and business
potential in its area
•
Located in West Java and Banten Provinces, which
have vast natural resources, human resources,
large industrial areas, and fluorishing economic
activities
•
Has office networks relatively spreading in 14
Provinces mainly in West Java and Banten, as well
as Jakarta as the economic center in Indonesia
•
As regional treasury management institution
including salaries for Civil Servants, projetcs in
Regional Government, and other programs and
credits
•
The appointment of bank
bjb
as operational bank II
(BO II) which carries out the distribution of salaries
of Central Government placed regionally
•
Bank
bjb
’s products growing in line with electronic
banking services (
bjb
DIGI) are
bjb
ATM, internet
banking (
bjb
NET), SMS banking (
bjb
SMS), and
co-branding credit card with BNI, as well as the
collaboration for Property Tax (PBB) payment
service with alfamart,
bjb
edu-pay,
bjb
account
service,
bjb
e-tax,
bjb
payroll service,
bjb
payment
service,
bjb
pick-up and delivery service,
bjb
1 TemaTheme
2 arti TemaMeaning of Theme 3 Kesinambungan TemaContinuation of Theme 6 Jejak LangkahMilestones 8 Komitmen Terbaik Kamiour Best Commitment 10 Daftar IsiTable of Contents
Kilas Kinerja
PerfOrmance flasHbacK
14 Ikhtisar Data Keuangan pentinghighlights of Financial Data 17 Ikhtisar Kinerja operasionaloperational performance highlights 20 Informasi harga SahamInformation on Stock price 21
Informasi obligasi dan Medium Term Note (MTn)
Information on Bond and Medium Term note
22 peristiwa penting di Tahun 2016Significant events in 2016
laPOran DeWan KOmisaris Dan DireKsi rePOrT Of THe bOarD Of cOmmissiOners anD bOarD Of DirecTOrs
30 Laporan Dewan Komisarisreport of the Board of Commissioners 40 Laporan Direksireport of the Board of Directors 54
Tanggung Jawab pelaporan Tahunan 2016
The responsibility of 2016 annual reporting
PrOfil PerUsaHaan cOmPanY PrOfile
58 Identitas perusahaan Company Identity 59 riwayat Singkat perusahaanBrief history of the Company 61 BrandCompany Brand perusahaan 62 Bidang usaha Line of Business 63 produk dan Jasa products and Services 80 peta Wilayah operasionalMap of operational area 82 Struktur organisasi organizational structure
84 Visi, Misi, dan Budaya perusahaan Vision, Mission, and Corporate Culture 86
profil Dewan Komisaris
profile of the Board of Commissioners profile executive officer
92 profil Direksi profile of the Board of Directors
100 profil pejabat eksekutif profile of executive officers 107 profil Karyawan profile of employees 109
pengembangan Kompetensi Karyawan Competency Development of employees
120 Komposisi pemegang SahamShareholders Composition 123
Daftar entitas anak dan entitas asosiasi List of Subsidiaries and associated Companies
128 Struktur GrupGroup Structure
130 Kronologis pencatatan SahamListing of Shares Chronology 131
Kronologis pencatatan obligasi dan Medium Term Note (MTn)
Cronology of Bonds Listing and Medium Term note (MTn)
132
Lembaga profesi penunjang pasar Modal
Capital Market Supporting professional Institutions
133
penghargaan dan Sertifikasi di Tahun 2016
2016 award and Certification
137
nama dan alamat entitas anak dan/ atau Kantor Wilayah dan Cabang name and address of Subsidiaries and/ or regional and Branch offices
139 akses Informasi Information and access
139
pendidikan dan/atau pelatihan Dewan Komisaris, Direksi, Komite-Komite, Sekretaris perusahaan dan unit audit Internal
education and/or Training of Board of Commissioners, Directors, Committees, Corporate Secretary and Internal audit unit
analisis Dan PembaHasan manajemen aTas Kinerja PerUsaHaan
manaGemenT DiscUssiOn anD analYsis Of THe PerfOrmance Of THe cOmPanY
152 Tinjauan IndustriIndustry overview 152 perekonomian GlobalGlobal economy 153 perekonomian IndonesiaIndonesian economy 156 Kondisi Industri perbankanBanking Industry Conditions 156 posisi Bank di Industri Bank’s position in The Industry 158 Tinjauan operasionaloperational review
158 Strategi pengembangan Bisnis 20162016 Business Development Strategy 163 aspek pemasaran Marketing aspects
171 pangsa pasarMarket Share
176 Tinjauan operasional Segmen usahaBusiness Segment operational review 223 prospek usahaBusiness prospects
238 Tinjauan KeuanganFinancial review 238
Laporan posisi Keuangan Konsolidasian Consolidated Statements of Financial position
243
Laporan Laba rugi dan penghasilan Komprehensif Lain Konsolidasian Consolidated Statements of Income and other Comprehensive Income
250 Laporan arus Kas KonsolidasianConsolidated Statements of Cash Flows 252 rasio KeuanganFinancial ratios
253
Kemampuan Membayar utang dan Kolektibilitas piutang
ability to repay Debt and receivables Collectability
261
akselerasi pertumbuhan Fee Based Income
Fee Based Income Growth acceleration
262 Struktur ModalCapital structure 263
Ikatan Material Terkait Investasi Barang Modal
Material Commitment for Capital Goods Investment
263
realisasi Investasi Barang Modal realization of Investment of Goods Capital
263 Derivatif dan Fasilitas Lindung nilaiDerivatives and hedging Facilities
263
perbandingan Target dan realisasi Kinerja 2016 Serta Target dan proyeksi 2017
Comparison of 2016 Target and actual performance and 2017 Target and projections
269
Informasi Material Yang Terjadi Setelah Tanggal Laporan akuntan
Material Information that occurs after accountant’s reporting Date
271
Kepemilikan Saham oleh Manajemen dan/atau Karyawan
Stock ownership by Management and/ or employee
271
realisasi penggunaan Dana hasil penawaran umum
realization of the utilization of proceeds from public offering
272
Informasi Transaksi Material Dengan pihak Berelasi
Information on Material Transactions With related party
276
276 Komitmen dan KontinjensiCommitments and Contingencies
277
perubahan peraturan perundang-undangan Yang Berpengaruh Signifikan Terhadap Bank
Changes in Laws and regulations that have Significant Impact on Bank
294
perubahan Kebijakan akuntansi dan Dampaknya Terhadap Laporan Keuangan
Changes in accounting policies and Its Impact on Financial Statements
296 Informasi Kelangsungan usahaInformation on Business Continuity 297 Kinerja anak perusahaan performance of Subsidiaries
fUnGsi PenUnjanG bisnis bUsiness sUPPOrTinG fUncTiOn
312 HUman resOUrces HUman resOUrces
313
Kerangka Konseptual Sumber Daya Manusia bank bjb
Conceptual Framework of Bank bjb
human Capital
314 Implementasi Implementation of Corporate CultureCorporate Culture 315 program-program Budaya perusahaanprogrammes of Corporate Culture 317
peran dan Tugas DivisiSumber Daya Manusia
role and Duties of hC Division
317 peran Jabatan pemimpin Divisi SDMrole of head of hC Division 317
Tugas dan Tanggung Jawab utama pemimpin Divisi SDM
Main Duties and responsibilities of head of hC Division
320 Kewenangan pemimpin Divisi SDMauthorities of head of hC Division
321
Kewenangan pemimpin Grup pengembangan SDM authorities of Group head of hC Development
321
profil pemimpin Divisi SDM profile of head of human Capital Division
322 Manajemen Sumber Daya Manusiahuman Capital Management 322 perencanaan Sumber Daya ManusiahC planning 322 rekrutmen Sumber Daya ManusiahC recruitment 323 Kebijakan pengembangan KarirCareer Development policy 323 pengembangan Kompetensi pegawaiemployee Competency Development 325 Performance Management Systemperformance Management System
326
penghargaan perusahaan Kepada Setiap Karyawan
Company’s appreciation to every employee
327 Strategi remunerasi pegawaiemployee remuneration Strategy 329
Fasilitas penunjang Layanan human Capital
Supporting Facilities hC Services
329
Human Resource Information System (hrIS)
human resource Information System (hrIS)
329 hC CareshC Cares 333 bjb club bjb club
335
program Strategis SDM Selama Tahun 2016
hC Strategic program During 2016
336
rencana pengembangan SDM Tahun 2017
hC Development plan for 2017
337 TeKnOlOGi infOrmasi
infOrmaTiOn TecHnOlOGY
338 Visi dan Misi Divisi Teknologi Informasivision and Mission of It Division
339
perkembangan Struktur Dan Sumber Daya Manusia Divisi Ti
Development of Structure and human resources of It Division
340
Mitra Bisnis Yang Mendukung Divisi Ti Business partner Supporting It Division
341
Implementasi proyek Divisi Teknologi Informasi Sepanjang Tahun 2016 project Implementation of Information Technology Division Throughout 2016
341
pengendalian risiko operasional Yang Dilakukan oleh Divisi TI Sepanjang Tahun 2016
operational risk Control performed by It Division Throughout 2016
342
pengembangan Teknologi Informasi Tahun 2016
Information Technology Development In 2016
342
Biaya pengembangan Infrastruktur Teknologi Informasi
Development Cost of Information Technology Infrastructure
GOOD CORPORATE GOVERNANCE GOOD cOrPOraTe GOVernance
346
Corporate Governance Framework bank
bjb
Corporate Governance Framework of bank bjb
347 Bank Sebagai Lembaga KepercayaanBank as Institution of Trust 348 Bank Merupakan pelayan publikBank as public Service 349
Manfaat Implementasi GCG Bagi bank
bjb
Benefits of GCG Implementation for bank bjb
351 Dasar penerapan GCGBasic of GCG Implementation 353
peningkatan Kualitas GCG Secara Berkelanjutan
GCG Sustainable Quality Improvement
353
penetapan Standar Kualitas Implementasi GCG
Determination of Quality Standards of GCG Implementation
355
pelaksanaan dan pemonitoran Implementasi GCG
Implementation and Monitoring of GCG Implementation
358 Assessment GCG assessment GCG
364 peningkatan Kualitas dan Quality Improvement and BenchmarkingBenchmarking
366
pelaksanaan penerapan aspek dan prinsip Tata Kelola perusahaan Sesuai Ketentuan otoritas Jasa Keuangan Implementation of aspects and principles of Corporate Governance in accordance with provisions of Financial Services authority
382 Struktur dan Mekanisme GCGStructure and Mechanism of GCG 384 rapat umum pemegang SahamGeneral Meeting of Shareholders 399 Dewan Komisaris
435 DireksiThe Board of Directors
466
organ dan Komite Di Bawah Dewan Komisaris
organs and Committees under the Board of Commissioners
467 Sekretaris Dewan KomisarisBoard of Commissioners Secretary 469 Komite auditaudit Committee
494
Komite nominasi dan remunerasi nomination and remuneration Committee
508 Komite pemantau risikorisk Monitoring Committee 522 Komite Tata Kelola TerintegrasiIntegrated Governance Committee 535
Komite pemantau Bisnis dan perkreditan
Business and Credit Monitoring Committee
549 Sekretaris perusahaanCorporate Secretary 555
Komite di Bawah Direksi organs and Committees under the Board of Directors
566
Informasi pemegang Saham utama dan pengendali
Information regarding Major and Controlling Shareholders
568 penerapan Tata Kelola TerintegrasiIntegrated Governance 571 AssessmentIntegrated Governance assessment Tata Kelola Terintegrasi 573 unit audit InternalInternal audit unit
573 Visi dan MisiVision and Mission 573
Tugas dan Tanggung Jawab Divisi audit Internal
Duties and responsibilities of the Internal audit Division
576
pedoman Divisi audit internal (piagam audit)
Guidance for Internal audit Division (audit Charter)
576
Struktur organisasi dan Ketua Divisi audit Internal
organizational Structure and the Chairman of the Internal audit Division
577
Kedudukan unit audit Internal Dalam Struktur organisasi
Within the organizational Structure
577
pihak Yang Mengangkat dan Memberhentikan Ketua Divisi audit Internal
authorized party Who appoints and Dismisses the head of Internal audit unit
profil pemimpin dan Komposisi personil Divisi audit Internal
580
Sertifikasi profesi Divisi audit Internal Internal audit Division professional Certification
581 Kode etik auditorauditor Code of Conduct 583
pengembangan Kompetensi personil Divisi audit Internal
personnel Competency Development of Internal audit Division
584
Laporan Singkat pelaksanaan Kegiatan Divisi audit Internal Tahun 2016 Brief report of the Implementation of Internal audit Division’s activities in 2016
588 akuntan publikpublic accountants 588
penerapan Fungsi audit eksternal Implementation of external audit Function
589 penunjukan akuntan publikappointment of public accountant 589
Kantor akuntan publik, nama akuntan dan Fee periode 5 Tahun Terakhir public accounting Firm, name of accountants, and Fee for period 5 Years
589 Jasa Lain yang Diberikan akuntanother Services provided by accountant 590 Manajemen risikorisk Management
591
Struktur organisasi Manajemen risiko risk Management organization Structure
599 proses Manajemen risikorisk Management process 603
Sistem dan penerapan Manajemen risiko
risk Management System and Implementation
612 profil risiko dan upaya pengelolaannyarisk profile and Its Management 620 pelaksanaan Implementasi BaselImplementation of Basel 622 penilaian profil risikoassessment of risk profile 622
evaluasi pelaksanaan Sistem Manajemen risiko
evaluation of risk Management System
623
Sasaran Strategis Manajemen risiko 2017 risk Management 2017 Strategic objectives
624
penerapan Manajemen risiko Terintegrasi
Integrated risk Management Implementation
626 Sistem pengendalian InternalInternal Control System 627
Kesesuaian pengendalian Internal Dengan Kerangka CoSo
Conformity With the Internal Control of CoSo Framework
629 Fungsi KepatuhanCompliance Function 629
Struktur organisasi Fungsi Kepatuhan organizational Structure of Compliance Function
629 Satuan Kerja KepatuhanCompliance Work unit
635
program anti pencucian uang (apu) Dan pencegahan pendanaan Terorisme (ppT)
anti-Money Laundering (aML) and Combating the Financing of Terrorism (ppT)
637 permasalahan hukumLegal Issues 637
perkara penting yang Dihadapi perseroan
Important Cases Faced By The Company
652
permasalahan hukum Yang Sedang Dihadapi Dewan Komisaris dan Direksi Yang Sedang Menjabat Sera entitas anak
Legal Issues Facing by the Board of Commissioners and Board of Directors and Subsidiaries
653
pemberian Dana Kegiatan politik dan penyediaan
Dana Kepada pihak Terkait Funding for political activities and provisions of Funds to related parties
654 Information Technology GovernanceInformation Technology Governance 655 akses InformasiInformation access
655 WebsiteCompany Websiteperseroan 656 Siaran perspress Conference
659 Transparansi penyampaian LaporanTransparency of report Submission 663 Code of Conduct Code of Conduct
663 Isi Contents of the Code of ConductCode of Conduct 664 Kepatuhan Terhadap Compliance with the Code of ConductCode of Conduct 664 penyebarluasan Dissemination of the Code of ConductCode of Conduct 664
upaya penerapan dan penegakan Code of Conduct
Implementation and enforcement of the Code of Conduct
665
Jenis Sanksi pelanggaran Kode etik Types of Sanctions For Violations of Code of ethics
665 Jumlah pelanggaran Kode etiknumber of Violations of Code of ethics 666 GratifikasiGratification
667 pengelolaan pengendalian GratifikasiManagement of Gratification Control 667 Sosialisasi GratifikasiSocialization of Gratification
667 Laporan Gratifikasi Tahun 20162016 Gratification report 668 Whistleblowing SystemWhistleblowing System (WBS)(WBS) 668 Keberadaan dan Tujuan WBSpresence and purposes of WBS 669
Jenis pelanggaran Yang Dapat Dilaporkan
Violation Type That Can Be reported
669
penyampaian dan Media Laporan penyelenggaraan
Submission and Media for report on Management
670 pengelolaan Whistleblowing Management SystemWhistleblowing System 671 perlindungan Bagi Whistleblower protectionWhistleblower 672 Sosialisasi Socialization of Whistleblowing SystemWhistleblowing System 672
Jumlah pengaduan dan Tindak Lanjutnya
number of reports and Follow up
674
peMenuhan penerapan CorporaTe GoVernanCe SeSuaI aSean CorporaTe GoVernanCe SCoreCarD
FuLFILLInG The IMpLeMenTaTIon oF CorporaTe GoVernanCe aCCorDInG To The aSean CorporaTe
GoVernanCe SCoreCarD
TanGGUnG jaWab sOsial PerUsaHaan cOrPOraTe sOcial resPOnsibiliTY
690 Tanggung Jawab Sosial perusahaan Corporate Social responsibility
691
pendekatan holistik Terintegrasi Dalam pelaksanaan Corporate Social Responsibility
Integrated holistic approach in Implementing Corporate Social responsibility
692
Landasan hukum penerapan CSr Terkait Dengan pengembangan Sosial dan Kemasyarakatan Serta Lingkungan hidup
Legal Basis For The Implementation of CSr on Community and Social Development and environment
692
Fokus pelaksanaan CSr Terkait Dengan pengembangan Sosial dan Kemasyarakatan Serta Lingkungan hidup
Focus of CSr Implementation on Community and Social Development and environment
693
program unggulan CSr Terkait Dengan pengembangan Sosial dan Kemasyarakatan Serta Lingkungan hidup
CSr Main program on Community and Social Development and environment
693
Sumber Dana CSr Terkait Dengan pengembangan Sosial dan Kemasyarakatan Serta Lingkungan hidup
CSr Source of Funds on Community and Social Development and environment
693
Biaya pelaksanaan CSr Terkait Dengan pengembangan Sosial dan Kemasyarakatan Serta Lingkungan hidup
Costs of The Implementation of CSr on Community and Social Development and environment
694 CSr Terkait Dengan Lingkungan hidupCSr on The environment 696
CSr Terkait Dengan Ketenagakerjaan, Kesehatan, dan Keselamatan Kerja CSr on employment, health, and Safety
705
CSr Terkait Dengan pengembangan Sosial dan Kemasyarakatan CSr related to Social and Community Development
710
CSr Terkait Dengan Tanggung Jawab Kepada Konsumen
CSr related to Consumer responsibility
sTrUKTUr PermODalan Dan PraKTiK manajemen risiKO
caPiTal anD risK manaGemenT PracTices
718 pengungkapan permodalanCapital exposure 718 Struktur permodalanCapital Structure 718 Kecukupan permodalanCapital adequacy 721 pengungkapan KuantitatifQuantitative exposure 723
pengungkapan eksposur risiko Dan penerapan Manajemen risiko Disclosure of risk exposure and risk Management Implementation
723 risiko KreditCredit risk 769 risiko pasarMarket risk 776 risiko LikuiditasLiquidity risk 788 risiko operasionaloperational risk 791 risiko hukumLegal risk 793 risiko KepatuhanCompliance risk
795 risiko Stratejik
referensi PeraTUran OTOriTas jasa KeUanGan/annUal rePOrT aWarD
Tabel ikhtisar Keuangan
Table of financial Highlights
(dalam juta Rupiah | in million rupiah)
Uraian 2016 2015 2014 2013 2012 Description
laPOran POsisi KeUanGan KOnsOliDasian cOnsOliDaTeD sTaTemenT Of financial POsiTiOn
aset asset
Kas 2,215,341 2,402,588 2,767,678 2,595,260 1,795,074 Cash
Giro pada Bank Indonesia 5,516,363 6,076,789 5,177,942 4,454,108 4,666,015 Demand Deposit at Bank Indonesia Giro pada Bank Lain 261,741 181,510 128,542 176,888 289,686 Demand Deposit at Commercial Bank penempatan pada bank lain dan
Bank Indonesia (neto) 12,777,516 3,739,128 4,761,109 2,628,985 8,011,739
Interbank placement and placement to Bank Indonesia (net)
Tagihan Derivatif 1,336 2,434 - - - Derivative Claim
Surat Berharga 9,206,598 12,838,700 7,125,371 10,291,810 4,142,992 Securities efek – efek yang dibeli dengan janji
dijual kembali (neto) - 1,308,760 568,461 - 11,567,261
Securities purchased under repurchase agreement (net) Wesel ekspor dan tagihan lainnya
(neto) 10,539 1,006 19,555 44,721 67,400 export draft and other bills (net) Kredit yang diberikan 63,419,185 55,561,396 49,616,998 45,308,580 35,379,390 Loan granted pembiayaan dan piutang Syariah 5,370,120 4,926,146 4,351,826 3,687,274 2,944,576 Sharia Financing and receivables Cadangan Kerugian penurunan
nilai (719,184) (143,060) (99,147) (62,094) (77,844) allowance for Impairment Loss Tagihan akseptasi 54,301 20,634 18,435 33,235 224,975 acceptance receivable penyertaan Saham 31,984 31,984 31,984 31,984 31,987 Investment in Shares of Stocks Cadangan Kerugian penurunan
nilai (1,303) (4,236) (4,236) (7,569) (4,264) allowance for Impairment Loss aset tetap (nilai Buku) 2,740,397 1,023,314 1,044,844 699,069 734,873 Fixed assets (net) aset pajak tangguhan (neto) 137,253 28,967 31,732 22,749 3,635 Deferred tax assets (net) Bunga yang masih akan diterima 654,771 623,325 452,642 418,360 350,560 Interest receivable aset lain- lain (neto) 1,306,084 1,271,269 1,456,411 1,771,323 1,323,542 other assets (net)
TOTal aseT 102,318,457 88,697,430 75,861,310 70,958,233 70,840,876 TOTal asseTs
laPOran POsisi KeUanGan KOnsOliDasian cOnsOliDaTeD sTaTemenT Of financial POsiTiOn
liabilitas, Dana syirkah Temporer dan ekuitas Konsolidasian liability, Temporary syirkah fund, and consolidated equity
liabiltas liability
Liabilitas segera 1,374,450 2,244,955 1,812,382 1,945,539 1,761,134 Liabilities due immediately Simpanan nasabah 73,029,838 62,903,150 53,118,800 46,874,161 47,632,863 Customer deposits Simpanan dari bank lain 5,628,485 3,515,666 3,308,630 4,946,725 6,392,634 Deposits from other banks
Liabilitas derivative 277 - - 90 - Derivative Liabilities
efek – efek yang dijual dengan janji
dibeli kembali 2,670,589 3,656,456 2,062,916 2,978,073 1,922,795
Securities purchased under repurchase agreement (net) Liabilitas akseptasi 54,301 20.634 18.435 33.235 224,975 acceptance liabilities efek hutang yang Diterbitkan-neto 2,311,606 1,722,884 1,721,901 2,396,611 2,395,091 Debt Securities Issued-net pinjaman yang Diterima-pihak
ketiga 246,055 434,617 456,490 324,337 231,160 accepted Loans-third party estimasi Kerugian Komitmen dan
Kontinjensi 1,619 1,056 2,130 1,498 1,433
estimated Losses on Commitment and Contingencies
hutang pajak 26,695 129,533 105,751 101,676 45,556 Tax payable
Bunga yang masih harus dibayar 162,024 157,099 121,607 124,775 129,272 accrued interest Liabilitas Imbalan kerja 178,164 218,068 191,534 142,145 99,800 employee Benefits Liabilities Liabilitas lain–lain 768,005 660,998 621,736 683,669 600,601 other Liabilities
Total liabilitas 87,019,826 76,068,471 63,911,402 60,899,074 61,764,614 Total liabilities
Dana syirkah Temporer Temporary syirkah fund
Bukan Bank 4,958,182 4,299,119 4,253,141 2,775,906 2,680,412 non Bank
Tabel ikhtisar Keuangan
Table of financial Highlights
(dalam juta Rupiah | in million rupiah)
Uraian 2016 2015 2014 2013 2012 Description
pihak berelasi 8,577 9,007 5,047 5,774 2,555 related parties
pihak Ketiga 4,949,605 4,290,112 4,248,094 2,770,132 2,677,857 Third party
Bank 666,221 572,622 615,064 567,238 387,012 Bank
pihak ketiga 666,221 572,622 615,064 567,238 387,012 Third party
Total Dana syirkah Temporer 5,624,403 4,871,741 4,868,205 3,343,144 3,067,424 Total Temporary syirkah fund
ekuitas equity
Modal Ditempatkan dan Disetor 2,424,073 2,424,073 2,424,073 2,424,073 2,424,073 Issued and paid-up Capital Tambahan Modal Disetor 823,423 823,423 823,423 823,423 823,423 additional paid-up Capital Kerugian pengukuran kembali
program imbalan pasti-setelah pajak tangguhan
(141,967) (135,945) (124,774) (120,442) - benefit program-after deferred taxremeasurement loss for defined Saldo Laba Telah ditentukan
penggunaannya 3,620,012 3,070,463 2,661,164 2,041,782 1,520,190
retained profit: The usage has been determined Saldo Laba Belum ditentukan
penggunaannya 1,313,633 1,530,866 1,257,309 1,530,090 1,207,467
retained profit: The usage has not been determined Total ekuitas yang dapat
diatribusikan kepada entitas induk 9,631,827 7,712,218 7,041,195 6,698,926 5,975,153
Total equity which can be attributed to parent entity Kepentingan non-pengendali 42,401 44,338 40,508 34,019 33,687 non-controlling interests
Total ekuitas 9,674,228 7,757,218 7,081,703 6,732,945 6,008,840 Total equity
liabilitas, Dana syirkah Temporer
dan ekuitas Konsolidasian 102,318,457 88,697,430 75,861,310 70,975,163 70,84,878
liability, Temporary syirkah fund, and consolidated equity
laPOran laba rUGi Dan
PenGHasilan KOmPreHensif lain KOnsOliDasian
PrOfiT anD lOss sTaTemenT anD OTHer cOnsOliDaTeD cOmPreHensiVe incOme
pendapatan Bunga dan Syariah 10,677,875 10,084,451 8,791,820 8,132,988 6,795,686 Sharia and Interest Income Beban Bunga dan Bagi hasil
Syariah (4,599,263) (5,108,277) (4,330,222) (3,350,845) (3,140,311)
Sharia revenue Sharing and Interest expense
Pendapatan bunga dan syariah
bersih 6,078,612 4,976,174 4,461,598 4,782,143 3,655,375 net sharia and interest income
pendapatan operasional Lainnya 758,197 565,789 616,970 457,258 330,362 other operational Income Beban operasional Lainnya (5,316,500) (3,730,665) (3,627,016) (3,487,470) (2,566,496) other operational expenses
laba Operasional 1,520,309 1,811,298 1,451,552 1,751,931 1,419,241 Operational Profit
Beban non operasional 158,112 101,826 66,395 26,554 18,297 non-operational expenses
laba sebelum Pajak 1,463,908 1,766,398 1,423,141 1,752,874 1,512,499 Profit before Tax
Beban pajak (310,683) (385,434) (315,345) (376,487) (319,195) Tax expenses
Total laba (rugi) yang dapat
Diatribusikan Kepada : 1,153,225 1,380,965 1,107,796 1,376,387 1,193,304
Total profit (loss) which can be attributed To:
pemilik entitas induk 1,154,421 1,377,110 1,103,880 1,372,913 1,192,684 owner of parent entity Kepentingan non pengendali (1,196) 3,855 3,916 3,474 620 non-controlling interests
laba komprehensif diatribusikan
kepada: 2,741,103 1,369,830 1,103,451 1,376,987 1,193,304
comprehensive profit attributed to:
pemilik entitas induk 2,741,148 1,365,939 1,099,548 1,372,913 1,192,684 owner of parent entity Kepentingan nonpengendali (45) 3,891 3,903 3,474 620 non-controlling interests
laba bersih per saham (ePs)
(dalam rupiah penuh) 119,06 142,02 113,85 141,59 123,00
earnings per share (ePs) (in full rupiah)
laPOran arUs Kas KOnsOliDasian cOnsOliDaTeD sTaTemenT Of casH flOW
arus kas diperoleh dari aktivitas
operasi 5,105,778 5,579,200 2,660,169 (10,399,769) 6,533,426
net cash derived from (used in) operations arus kas neto (digunakan untuk)
diperoleh dari aktivitas investasi 3,653,802 (5,338,762) 2,566,837 5,456,488 (4,234,008)
Tabel ikhtisar Keuangan
Table of financial Highlights
(dalam juta Rupiah | in million rupiah)
Uraian 2016 2015 2014 2013 2012 Description
arus kas neto diperoleh dari (digunakan untuk) aktivitas pendanaan
(422,808) (716,126) (2,216,284) 485,109 1,058,394 net cash derived from (used in) funding activties
Kenaikan (Penurunan) neto Kas
dan setara Kas 8,336,772 (475,688) 3,010,722 (4,458,172) 3,357,812
increase (Decrease) in net cash and cash equivalents
Kas dan Setara Kas pada awal
Tahun 12,355,602 12,838,765 9,829,747 14,285,744 10,932,625
Cash and Cash equivalents Beginning of Year
Kas dan setara Kas pada akhir
Tahun 20,692,875 12,355,602 12,838,765 9,829,747 14,285,744
cash and cash equivalents at end of Year
rasiO KeUanGan (%)* financial raTiO (%)*
PermODalan caPiTal
Car 18.43 16.21 16.08 16.51 18.11 Car
roa (pre Tax) 2.22 2.04 1.92 2.61 2.46 roa (pre Tax)
roe (Tier 1) 21.81 23.05 18.92 26.76 25.02 roe (Tier 1)
nIM 7.40 6.32 6.79 7.96 6.76 nIM
npL Gross 1.69 2.91 4.15 2.83 2.07 npL Gross
npL Bruto** 1.72 2.92 4.29 2.76 2.22 npL Bruto**
npL net 0.75 0.86 1.04 0.64 0.50 npL net
npL net** 0.77 0.88 1.28 0.68 0.62 npL net**
Bopo 82.70 83.31 85.60 79.41 80.02 Bopo
LDr 86.70 88.13 93.18 96.47 74.09 LDr
aset produktif Bermasalah
terhadap Total aset produktif 1.26 2.22 3.35 2.21 1.27
non productive asset against Total productive asset aset tetap terhadap modal 28.33 25.54 27.73 22.01 25.22 Fixed asset against Capital
*bank saja **konsolidasi
Catatan untuk pembaca laporan:
Tabel dan grafik pada laporan ini memaparkan data numerik
dengan standar Bahasa Inggris, sedangkan pemaparan numerik dalam teks menggunakan standar Bahasa Inggris dan Indonesia sesuai dengan konteksnya.
*bank only **consolidation Notes for readers: Tables and graphs in this report describes the numerical data using English standard, while the numerical exposure in the text is using English and Indonesian standard according to the context.
Jumlah Aset
Total assets
Pendapatan Bunga dan Syariah Bersih
Net Interest Income and Sharia
Kredit yang Diberikan
Loans
2016 2016 2016
2015 2015 2015
2014 2014 2014
2013 2013 2013
2012 2012 2012
Dana Pihak Ketiga
Tabel Kinerja Operasional Dana Pihak Ketiga
Table of Third Party fund Operational Performance
(dalam juta Rupiah | in million rupiah)
Produk 2016 2015 Product
Tabungan 16,923,498 14,351,777 Saving
Giro 17,130,444 18,632,563 Demand deposit
Deposito 38,975,896 29,918,810 Deposit
TOTal 73,029,838 62,903,150 TOTal
Pinjaman
Tabel Kinerja Operasional Pinjaman
Table of loan Operational Performance
(dalam juta Rupiah | in million rupiah)
Produk 2016 2015 Product
Komersial 44,225,826 38,217,375 Commercial
Konsumer 10,832,141 9,246,000 Consumer
Mikro 3,528,127 3,329,593 Micro
Kpr 4,557,500 4,506,950 Mortgage
TOTal 63,143,594 55,299,918 TOTal
Jasa Layanan
Tabel Kinerja Operasional jasa layanan
Table of service Operational Performance
(dalam juta Rupiah | in million rupiah)
Produk 2016 2015 Product
Fee Based Income 510,307 435,922 Interest Income
Third Party Fund
Loan
Performance
Dana Pihak Ketiga
Third Party Fund
NPL Gross (bank only)
Gross NPL (bank only)
NPL Net (bank only)
Net NPL (bank only)
dalam juta rupiah | in million rupiah dalam persen | in percentage dalam persen | in percentage
2016 2016 2016
2015 2015 2015
2014 2014 2014
2013 2013 2013
2012 2012 2012
Produk Internasional dan Trisuri
Tabel Penempatan Dana Pada bank lain-surat berharga Obligasi bank investasi
fund Placement in Other bank-investment bank bond securities
(dalam Rupiah Penuh | in full rupiah)
ObliGasi 2016 2015 bOnD
Bank umum dan Bank Daerah 899.400.000.000 1.234.417.000.000,00 Commercial Bank and Local Bank
Tabel Penempatan Dana Pada bank lain-surat berharga Obligasi non bank investasi
Table of fund allocation on Other banks - bond securities non-bank investment
(dalam Rupiah Penuh | in full rupiah)
ObliGasi 2016 2015 bOnD
Korporasi 1.136.200.000.000,00 1.755.200.000.000,00 Bond
Sun 2.512.432.000.000,00 2.377.432.000.000,00 Sun
orI 310.000.000.000,00 570.378.000.000,00 orI
pBS 480.789.000.000,00 580.789.000.000,00 pBS
Spn - 50.000.000.000,00 Spn
Sr 610.000.000.000,00 757.530.000.000,00 Sr
TOTal 5.049.421.000.000,00 6.091.329.000.000,00 TOTal
Tabel Kinerja Trading Money Market
Table of money market Trading Performance
(dalam Rupiah Penuh | in full rupiah)
KeTeranGan 2016 2015 DescriPTiOn
PLACEMENT 2,404,465,929,550.60 6,580,869,434,494.50 PLACEMENT
BORROWING 2,404,820,371,950.00 6,581,773,485,400.00 BORROWING
Tabel rekapitulasi Obligasi Portofolio Trading
Table of bond recapitulation of Trading Portfolio
(dalam Rupiah Penuh | in full rupiah)
KeTeranGan 2016 2015 DescriPTiOn
reksadana 677,030,667,836.00 712,000,000,000.00 Mutual Funds
Sun 335,000,000,000.00 348,000,000,000.00 Sun
orI 0.00 10,275,000,000.00 orI
Korporasi 100,000,000,000.00 30,000,000,000.00 Corp
Sr 0.00 0.00 Sr
uSD 4,000,000.00 - uSD
TOTal 1,112,034,667,836.00 1,100,275,000,000.00 TOTal
Tabel Volume Transaksi Foreign Exchange and Derivatives
Table of Transaction Volume of foreign exchange and Derivatives
(dalam Rupiah Penuh | in full rupiah)
POrTOfOliO 2016 2015 POrTOfOliO
Sales 461,554,775 220,289,246 Sales
Trading 1,493,884,527 731,707,898 Trading
Banking 1,835,904,041 2,090,912,877 Banking
Total 3,791,343,343 3,042,910,021 Total
Institutional Banking
Tabel Kinerja intitusional banking
Table of institutional banking Performance
PrODUK nasabaH 2016 2015 PrODUcT cUsTOmer
nOa nOminal nOa nOminal
GIro peMerInTah Daerah 11,681 9,219,359 10,882 10,736,273 GIro reGIonaL GoVernMenT
peMerInTah puSaT 237 14,584 250 2,597 CenTraL GoVernMenT
BuMn 898 350,630 821 323,242 Soe
SWaSTa 76,505 6,951,887 69,933 7,085,677 prIVaTe
sUbTOTal 89,321 16,536,459 81,886 18,147,789 sUbTOTal
DepoSITo peMerInTah Daerah 180 4,226,443 315 6,630,209 DepoSIT reGIonaL GoVernMenT
peMerInTah puSaT 18 2,120,157 5 351 CenTraL GoVernMenT
BuMn 555 8,125,019 858 5,847,311 Soe
SWaSTa 4,056 16,931,812 2,934 11,085,316 prIVaTe
sUbTOTal 4,809 31,403,432 4,112 23,563,187 sUbTOTal TOTal KeselUrUHan 94,130 47,939,891 85,998 41,710,976 TOTal
Tahun Years
Triwulan i Quarter i
Triwulan ii Quarter ii
Triwulan iii Quarter iii
Triwulan iV Quarter iV
Tertinggi (dalam rupiah) Highest (in rupiah)
2016 995 1,140 1,760 3,510
2015 1,100 1,025 875 805
2014 1,100 1,175 895 815
2013 1,290 1,300 1,230 960
2012 1,150 900 1,130 1,160
Terendah (dalam rupiah) lowest (in rupiah)
2016 745 880 1,075 1,385
2015 730 815 565 585
2014 815 820 790 720
2013 1,060 1,100 740 810
2012 1,180 800 880 990
Penutupan (dalam rupiah) closing (in rupiah)
2016 965 1,125 1,610 3,390
2015 1,000 820 615 755
2014 1,045 825 795 730
2013 1,290 1,180 900 890
2012 1,110 920 1,100 1,060
Volume Peredaran di Pasar reguler (dalam unit) circulation Volume in the regular market (in units)
2016 983,734,500 716,445,600 1,439,005,000 2,035,640,200
2015 1,103,043,000 1,075,268,400 398,930,700 902,640,500
2014 847,774,800 1,202,031,000 1,182,971,800 507,429,400
2013 1,322,673,500 884,767,000 659,939,500 470,534,500
2012 1,094,563,000 816,946,500 461,630,500 528,600,000
jumlah saham beredar (dalam lembar saham) number of shares Outstanding (in shares)
2016 9,696,291,166 9,696,291,166 9,696,291,166 9,696,291,166
2015 9,696,291,166 9,696,291,166 9,696,291,166 9,696,291,166
2014 9,696,291,166 9,696,291,166 9,696,291,166 9,696,291,166
2013 9,696,291,166 9,696,291,166 9,696,291,166 9,696,291,166
2012 9,696,291,166 9,696,291,166 9,696,291,166 9,696,291,166
Kapitalisasi (dalam juta rupiah) capitalization (in million rupiah)
2016 9,356,921 10,908,328 15,611,029 33,870,427
2015 9,696,291 7,950,958 5,963,218 7,320,699
2014 885,923,830 991,675,575 940,461,945 370,423,170
2013 1,706,248,170 1,043,761,920 594,916,200 441,577,950
2012 1,214,964,930 743,027,880 507,431,100 560,310,700
Volume (rHs) 3600
3100
2600
2100
1600
1100
600
400
350
300
250
200
150
100
50
0
rupiah
Dec -13
mar -14
jun-14 sep-14 Dec -14
mar -15
jun-15 sep-15 Dec -15
mar -16
jun-16 sep-16 Dec -16
million shares
no. Obligasi
1 obligasi I Bank Jabar 25,000 5 Tahun 5 Years
24.30% (tahun pertama dan selanjutnya floating)
(first year and subsequently floating)
2 obligasi II Bank Jabar 50,000 5 Tahun5 Years
17.25% (tahun pertama dan selanjutnya floating)
(first year and subsequently floating)
3 Medium Term notes I 75,000 3 Tahun3 Years
17.75% (tahun pertama dan selanjutnya floating)
(first year and subsequently floating)
4 obligasi III Bank Jabar 150,000 5 Tahun 5 Years
16.25% (tahun pertama dan selanjutnya floating)
(first year and subsequently floating)
5 obligasi IV Bank Jabar
Seri a 300,000
3 Tahun
3 Years 11.75% (fixed)
oktober 2004
6 obligasi IV Bank Jabar Seri B 700,000 5 Tahun5 Years 12.50% (fixed) oktober 2004october 2004 oktober 2009october 2009 idBBB+ paid offLunas 7 obligasi V Bank Jabar 100,000 5 Tahun
5 Years 11.25% (fixed)
Desember 2006
8 obligasi VI Bank Jabar Banten Seri a 350,000 3 Tahun5 Years 12.00% (fixed) June 30, 200930 Juni 2009 July 10, 201210 Juli 2012 ida+ paid offLunas 9 obligasi VI Bank Jabar
Banten Seri B 400,000 5 Tahun
5 Years 12.50% (fixed)
30 Juni 2009 June 30, 2009
10 Juli 2014
July 10, 2014 ida
Lunas paid off
10
obligasi VII bank bjb
Tahun 2011 Seri a
276,000 3 Tahun 3 Years
9.20% (fixed) 10 Februari 2011 February 10, 2011
09 Februari 2014
February 09, 2014 idaa-/Stable
Lunas paid off
11
obligasi VII bank bjb
Tahun 2011 Seri B
601,000 5 Tahun
5 Years 10.20% (fixed)
10 Februari 2011 February 10, 2011
09 Februari 2016
February 09, 2016 idaa-/Stable
Lunas paid off
12
obligasi VII bank bjb
Tahun 2011 Seri C
1,123,000 7 Tahun
7 Years 10.40% (fixed)
10 Februari 2011 February 10, 2011
09 Februari 2018
February 09, 2018 idaa-/Stable
efektif effective
10 februari | february
Penandatanganan MoU KPR bank bjbdengan KORPRI Jawa Barat, di Bandung.
MoU Signing between House Loan (KPR) of bank bjb and KORPRI West Java, in Bandung.
29 februari | february
bank bjb selenggarakan Analyst Meeting FY 2015 di Jakarta.
bank bjb held Analyst Meeting FY 2015 in Jakarta.
10 maret | march
bank bjb adakan Fengshui Talk and Astrology Outlook 2016 di Palembang.
bank bjb held Fengshui Talk and Astrology Outlook 2016 in Palembang
17 maret | march
bank bjb berikan bantuan CSR kepada korban banjir di Kabupaten Bandung.
Bank bjb provided CSR aid to flood victims in Bandung.
17 maret | march
Perjanjian kerjasama antara bank bjb
dengan Wika Gedung di Jakarta.
A cooperation agreement between bank
bjb with Wika Building in Jakarta.
19 maret | march
bank bjb adakan PelatihanKewirausahaan bagi UMKM dengan tajuk UMKM go Online, Untung Meningkat Usaha Berkembang Pesat.
bank bjb held Entrepreneurial Training for MSME with the theme MSME go Online, Profit Increases Business Growing Fast.
23 maret | march
RUPS tahunan bank bjb tahun 2016 yang diadakan di Bandung.
bank bjb AGMS of 2016 held in Bandung.
28 maret | march
bank bjb selenggarakan Investor Gathering 2016 dengan tajuk Prospek Industri, Perbankan dan Pasar Modal di Surabaya.
bank bjb held Investor Gathering 2016 with the theme Prospects of Industry, Banking, and Capital Market in Surabaya.
30 maret | march
Penandatanganan perjanjian kerjasama Tata Kelola Terintegrasi dan Manajemen Risiko Terintegrasi antara bank bjb
dengan Anggota Konglomerasi bank bjb.
Signing of Cooperation Agreement of Integrated Governance and Integrated Risk Management between bank bjb and bank bjb Conglomerate Members.
5 april | april
bank bjb meresmikan relokasi Kantor Wilayah IV di Serang, Banten.
bank bjb officiated the relocation of Regional Office IV in Serang, Banten.
6 april | april
bank bjb berikan Kredit Infrastruktur senilai Rp500 miliar ke PT Adhi Karya (Persero) Tbk.
7 april | april
Peresmian Kantor bank bjb Cabang Pangandaran dan Penyerahan Santunan bank bjb kepada anak yatim.
Inauguration bank bjb Branch Office Pangandaran and Submission Benefits
bjb bank to orphans.
24 april | april
Dalam rangka hari Pendidikan Nasional, bank bjb luncurkan program bjb Cinta Guru dengan simbol kartu ATM versi bjb
Cinta Guru.
Commemorating National Education Day, bank bjb launched bjb Cinta Guru program with symbol of ATM card version of bjb
Cinta Guru
28 april | april
bank bjb selenggarakan Analyst Meeting kuartal 1 di Jakarta.
bank bjb held Analyst Meeting Q1 in Jakarta.
30 april
Penandatanganan piagam kerjasama antara bank bjb dengan STIE Ekuitas dalam rangka cash management.
Signing of cooperation charter between bank bjb and STIE Ekuitas in regards of cash management.
25 mei | april
Bank bjb selenggarakan Rapat Kerja Forum Komunikasi Dewan Komisaris dan Dewan Pengawas BPD-SI Wilayah Tengah.
bank bjb held Work Meeting of Communication Forum of Board of Commissioners and Board of Supervisor BPD-DI Central Region.
25 mei | april
Dengan budaya GO SPIRIT, KIBAR turut berperan aktif dalam kepedulian sosial terhadap masyarakat.
With GO SPIRIT culture, KIBAR also actively participated in social care for the community.
25 mei | may
Launching Laku Pandai bjb BISA.
Launching of Laku Pandai bjb BISA.
6 juni | june
bank bjb salurkan kredit sebesar Rp750 miliar untuk perkuat permodalan PT Pegadaian (Persero).
bank bjb distributed load for Rp750 billion to strengthen the capital of PT Pegadaian (Persero).
16 juni | june
Grand Opening Student Preneur di Universitas Terbuka, Tangerang.
16 juni | june
Penandatanganan MoU antara bank
bjb dengan Koperasi Konsumen Praja Sejahtera Jawa Barat.
The signing of the MoU between bank
bjb with Praja Consumer Cooperatives Prosperous West Java.
20 juni | june
bank bjb Berbagi Ramadhan Memberi Bersama 10.000 Anak Yatim dan Dhuafa di Bandung.
bank bjb Sharing Together in Ramadhan with 10,000 Orphans and the Poor in Bandung.
30 juni | june
Kick Off Meeting peluncuran Visa Debit bank bjb.
Kick Off Meeting of the launching of bank
bjb Visa Debit
25 juli | july
bank bjb mengadakan Business Review untuk Triwulan III.
Bank bjb held a business review for the third quarter.
28 juli | july
bank bjb selenggarakan Analyst Meeting kuartal 2 di Jakarta.
bank bjb held Analyst Meeting Q2 in Jakarta.
2 agustus | august
Public Expose bank bjb tahun 2016.
bank bjb Public Expo of 2016
8 agustus
bank bjb menjadi satu-satunya BPD yang ditunjuk sebagai Bank Persepsi dalam program tax amnesty.
bank bjb became the only BPD that is appointed as Perception Bank of tax amnesty program.
8 agustus | august
An Evening with bank bjb” merupakan acara customer gathering untuk memperkenalkan dan mempromosikan produk bank bjb terutama di wilayah timur Indonesia
“An Evening with bank bjb”a customer gathering event to introduce and promote bank bjb products.
9 agustus | august
bank bjb bekerja sama dengan Indomaret dalam Pembayaran Pajak Bumi dan Bangunan Pedesaan dan Perkotaan di Kota Tangerang.
bank bjb cooperated with Indomaret for payment of Land and Building Tax Rural and City in Tangerang.
17 agustus | august
Program Penghargaan Nasabah Setia 2016, dalam rangka memperingati HUT Provinsi Jawa Barat ke-72
18 agustus | august
Penandatanganan perjanjian kerjasama antara bank bjb dengan Direktorat Jenderal Administrasi Hukum Umum dalam rangka pengelolaan PNBP (Penerimaan Negara Bukan Pajak)
Signing of cooperation agreement between bank bjb and Directorate General of Public Legal Administration.
22 agustus | august
bank bjb meresmikan Kantor Wilayah V di Surabaya.
bank bjb officiated Regional Office V di Surabaya.
29 agustus | august
Sosialisasi program transformasi BPD kepada para stakeholder.
Dissemination of BPD transformation program to the stakeholders.
4 september | september
bank bjb memperingati hari Pelanggan Nasional 2016 dengan melaksanakan pemeriksaan kesehatan pada nasabahbank bjb commemorated National Customer Day 2016 by organizing health check for customers.
7 september | september
bank bjb memberikan apresiasi kepada Debitur dengan program Customer Loan Loyalty berupa paket wisata religi.Bank bjb appreciated debitors with Customer Loan Loyalty Program of religious tourism packages.
15 september | september
Peran bank bjb dalam pengembangan UMKM dirangkum dalam sebuah Seminar Nasional bertajuk Ekonomi Tumbuh Tinggi, Berkualits dan Berkelanjutan Melalui Peningkatan Value Added UMKMbank bjb’s role in developing MSME was summarized in a National Seminar.
16 september | september
Melalui progran CSR bank bjb berikan track lari dan air mancur gasibu dalam rangka pelaksanaan PON XIX dan Peparnas XV Jawa Barat.Through CSR program, bank bjb provided running track and Gasibu fountain in regards of West Java PON XIX ceremony
17 september | september
bank bjb mendukung event nasional PON XIX dan PEPARNAS XV 2016 di Jawa Barat.bank bjb supported national event PON XIX and PEPARNAS XV 2016 in West Java.
