Annual report BJB 2009

(1)

Moving

to

the฀Next฀Level

Banyak hal telah dicapai oleh Bank Jabar Banten dalam

beberapa tahun terakhir ini, dalam perjalanannya

mencapai visi sebagai ‘10 bank terbesar dan berkinerja

baik di Indonesia’. Di tahun 2009, langkah-langkah ini

membuahkan perubahan dan perbaikan yang signifikan

pada berbagai aspek keberadaan Bank – bagaimana Bank

memposisikan diri di pasarnya, membangun citra positif di

kalangan stakeholder, dan mempersiapkan infrastruktur

bagi pertumbuhan lebih lanjut. Di akhir tahun, Bank Jabar

Banten berada pada posisi strategis untuk melangkah maju

ke tataran pertumbuhan yang lebih tinggi.

(2)

Memperluas Jangkauan

Pada tahun 2009, Bank Jabar Banten terus memperluas jangkauan dengan membuka

kantor-kantor cabang dan

outlet

pelayanan baru, baik untuk memperkuat keberadaannya

di sentra-sentra pertumbuhan ekonomi yang telah ada, maupun untuk menangkap

peluang di area-area pertumbuhan baru, termasuk di luar propinsi Jawa Barat dan Banten.

Pada saat yang sama, jalur-jalur distribusi juga terus diperkuat antara lain melalui perluasan

jaringan ATM.

In 2009, Bank Jabar Banten continued to extend its reach by opening new branch offices and service outlets, both

to strengthen its existence in established centers of economic growth, as well as to capture business opportunities

in untapped areas of growth, including those outside the provinces of West Java and Banten. At the same time, the

Bank also continue to expand its distribution channels, including through the expansion of its ATM network.

(3)

+24,46

%

Jumlah Aset

Total Assets Rp฀juta Rp million

15.510.786

21.214.898

23.043.489

26.040.869

32.410.329

0708 09

0506

+25,90

%

Penyaluran Dana

Credit Rp฀juta Rp million

13.738.110

18.407.793

19.496.849

23.224.217

29.238.494

0708 09

(4)

Bank Jabar Banten is building a new corporate image in support of moving forward into the next level of growth. By

refreshing the visual image of the Bank in the eyes of customers, the Bank intends to create a new impression of itself

as a modern and progressive national bank. Meanwhile, the warm and friendly personal atmosphere is maintained and

continually enhanced as a unique strength that differentiates the Bank from the competition.

Membangun Citra Baru

Building a Fresh Image

(5)

Pendapatan Bunga Bersih

Net Interest Income

+15,18

%

1.279.183 1.094.989

1.213.222

1.825.870

2.103.038

0708 09

0506

+35,99

%

Saldo Laba/Rugi

Profit (Loss) Balance

437.689

547.654

680.789

940.769

1.279.389

0708 09

(6)

Meningkatkan Kompetensi

Improving Competence

Bank Jabar Banten menyadari bahwa kualitas Sumber Daya Manusia (SDM) akan

menempati peran yang semakin penting dalam menunjang pertumbuhan lebih lanjut ke

depan. Untuk itu, Bank Jabar Banten mengalokasikan lebih banyak waktu, tenaga dan

dana pada upaya-upaya yang terpadu dan terencana secara baik dalam mempersiapkan

SDM yang berkualitas dari sisi jumlah maupun kompetensi yang dimiliki.

(7)

S3 Doctor

S2 Master

S1 Bachelor

Diploma Diploma

SMU/Lainnya High School/Others 1.222

2008

2009

1.542

3 ₂

152 ₁₈₈

235

240 163

(8)

Visi, Misi dan

Budaya Perusahaan

Vision, Mission, and

Corporate Culture

Visi

Misi

“Mitra Usaha Menuju

Sejahtera”

Pilar-Pilar Budaya

Perusahaan Bank Jabar

Banten

Vision

Mission

“The Partner for Welfare”

Pillars of Corporate Culture

Bank Jabar Banten

Menjadi฀10฀Bank฀

terbesar฀dan฀berkinerja฀

baik฀di฀Indonesia.

•฀฀Penggerak฀dan฀pendorong฀laju฀

pembangunan฀di฀daerah.

•฀฀Melaksanakan฀penyimpanan฀uang฀

daerah.

•฀฀Salah฀satu฀sumber฀pendapatan฀asli฀

daerah.

Sebagai฀pernyataan฀dari฀budaya฀perusahaan,฀

Bank฀Jabar฀Banten฀memiliki฀pilar-pilar฀budaya฀

perusahaan฀yang฀merupakan฀penjabaran฀

atas฀pilar฀utama฀di฀atas฀sebagai฀acuan฀pokok฀

bagaimana฀perilaku฀seluruh฀jajaran฀Bank฀

Jabar฀Banten฀dalam฀melakukan฀pengelolaan฀

bisnisnya.

a.฀ Orientasi฀kepada฀pasar.

b.฀ ฀Pengelolaan฀ dan฀ pengembangan฀ kualitas฀

Sumber฀Daya฀Manusia.

c.฀ ฀Pemenuhan฀ kepentingan฀ semua฀ pihak฀

(

stakeholder

).

d.฀ Peningkatan฀kualitas฀kinerja.

One of the 10

largest banks with

high performance in

Indonesia

•฀฀Mover฀and฀motivator฀for฀accelerating฀

provincial developments.

•฀Provincial฀cash฀depository.

•฀฀A฀source฀of฀provincial฀income.

A statement of corporate culture. Bank Jabar

Banten have pillars of corporate culture as the

main pillar to be an essenatial reference for

the whole levels within Bank Jabar Banten in

managing the business.

a. Market oriented.

(9)

Intisari Butir-Butir Perilaku Budaya

Perusahaan

Prinsip-Prinsip Operasional

Essential Points Corporate

Culture Behavior

Operational Principles

a.฀ ฀Bekerja฀ keras฀ dengan฀ penuh฀ tanggung฀ jawab,฀ jujur฀ dan฀ berdisiplin฀ sebagai฀ wujud฀ dari฀ keimanan฀ dan฀ ketakwaan฀ kepada฀Tuhan฀Yang฀Maha฀Esa.

b.฀ ฀Menguasai฀sistem฀dan฀prosedur,฀pengetahuan฀produk฀dan฀ jasa฀ Bank฀ serta฀ menguasai฀ keterampilan฀ menjual฀ serta฀ berperan฀sebagai฀pemasar.

c.฀ ฀Bekerja฀ sebagai฀ wirausahawan,฀ inovatif,฀ kreatif,฀ dinamis฀ dan฀proaktif.

d.฀ Memelihara฀semangat฀kerja฀tim.

e.฀ ฀Mampu฀memberi฀layanan฀secara฀cepat,฀teliti฀dan฀ramah. f.฀ ฀Selalu฀ berusaha฀ memperluas฀ wawasan,฀ pengetahuan฀

dan฀ keterampilan฀ kerja฀ sebagai฀ kontribusi฀ terbaik฀ demi฀ kemajuan฀Bank.

g.฀ ฀Peduli฀terhadap฀masalah฀yang฀muncul฀dan฀menyelesaikannya฀ secara฀tepat฀dan฀cepat.

h.฀ ฀Terbuka฀ terhadap฀ perubahan฀ dengan฀ tetap฀ menjaga฀ pengendalian฀diri.

i.฀ ฀Bersikap฀tertib,฀selalu฀tampil฀rapi,฀tepat฀waktu,฀tepat฀janji฀ dan฀menjunjung฀tinggi฀etika฀pergaulan.

j.฀ Bekerja฀secara฀profesional฀sesuai฀system฀dan฀prosedur. k.฀ ฀Bersikap฀terbuka,฀memiliki฀rasa฀kebersamaan,฀toleran,฀dan฀

menjaga฀keharmonisan฀antarsesama฀pegawai.

l.฀ ฀Memahami฀ dan฀ menguasai฀ ketentuan-ketentuan฀ yang฀ mengatur฀ tentang฀ rahasia฀ Bank,฀ rahasia฀ perusahaan฀ dan฀ rahasia฀jabatan.

1.฀ ฀Kehati-hatian:฀ prinsip฀ kehati-hatian฀ sebagai฀ dasar฀ utama฀ dalam฀ menentukan฀ setiap฀ langkah฀ dan฀ tindakan฀ guna฀ mewujudkan฀misi฀Bank.

2.฀ ฀Terpercaya:฀ prinsip฀ untuk฀ menjadikan฀ Bank฀ Jabar฀ Banten฀ sebagai฀bank฀kepercayaan฀masyarakat.

3.฀ ฀Kebersamaan:฀prinsip฀kebersamaan฀yang฀selalu฀dibina฀untuk฀ menjadikan฀Bank฀Jabar฀Banten฀sebagai฀bank฀kebanggaan฀ masyarakat.

4.฀ ฀Kemitraan:฀ prinsip฀ untuk฀ terus฀ menjaga฀ dan฀ menjalin฀ hubungan฀ yang฀ baik฀ dan฀ saling฀ menguntungkan฀ dengan฀ para฀nasabah.

5.฀ ฀Dinamis:฀kedinamisan฀dalam฀setiap฀kegiatan฀dan฀tindakan฀ dalam฀ upaya฀ memberikan฀ pelayanan฀ yang฀ terbaik฀ bagi฀ nasabah.

6.฀ ฀Keandalan฀ dan฀ kekuatan฀ yang฀ dimiliki฀ dari฀ dalam฀ perusahaan,฀telah฀menjadikan฀Bank฀Jabar฀Banten฀menjadi฀ bank฀yang฀kuat฀dan฀tetap฀bertahan.

a. Working hard with sense of responsibility, honesty and selfdiscipline as a realization of faith in the Almighty God. b. Proficiency in the systems and procedures, product and

service knowledge, selling skills and acting as a marketer. c. Working as an enterpreneur, innovative, creative, dynamic

and proactive.

d. Maintaining teamwork spirit.

e. Ability to provide effi cient, accurate and friendly services. f. Always striving for gaining more knowledge, occupational

skill as the best contribution to the Bank development. g. Caring for any incoming problems and making a correct,

efficient solution.

h. Open to changes while maintaining self-control.

i. Compliant, descent appearance, ontime, keeping promise and upholding social ethics.

j. Working professionally pursuant to the system and procedure.

k. Open mind, sense of brotherhood, tolerant, and keeping harmony among colleagues.

l. Understanding and compliant to the prevailing regulations about bank secrecy, company confidentiality, and professional confidentiality.

1. Prudence: principles of prudence as the main foundation for taking any step and action towards Bank mission achievement.

2. Reliable: the principle to make Bank Jabar Banten the bank for the public to rely on.

3. Togetherness: the spirit of togetherness to be nurtured for making Bank Jabar Banten a bank od pride for the public. 4. Partnership: the principle to consistently maintain and foster

good and mutually beneficial relations with the customers. 5. Dynamic: be dynamic in every activity and action for

providing the customers with the best services.

(10)

Sekilas Perusahaan

Corporation in Brief

PT฀ Bank฀ Pembangunan฀ Daerah฀ Jawa฀ Barat฀ dan฀ Banten,฀ yang฀ dikenal฀ dengan฀ nama฀ Bank฀ Jabar฀ Banten,฀ adalah฀ bank฀ umum฀ milik฀ bersama฀ Pemerintah฀ Provinsi฀ Jawa฀ Barat฀ dan฀ Pemerintah฀ Provinsi฀ Banten฀ beserta฀ pemerintah฀ kota/kabupaten฀ se-Jawa฀ Barat฀ dan฀ Banten.฀ Cikal-bakal฀ Bank฀ Jabar฀ Banten฀ bermula฀ dari฀ NV฀ DENIS฀ (De฀ Erste฀ Nederlansche฀ Indische฀ Shareholding),฀ yang฀ berkedudukan฀ di฀ Bandung฀ dan฀ bergerak฀ di฀ bidang฀ hipotek฀ serta฀ merupakan฀ salah฀ satu฀ perusahaan฀ milik฀ Belanda฀ yang฀ dinasionalisasi฀ berdasarkan฀ Peraturan฀ Pemerintah฀(PP)฀Republik฀Indonesia฀(RI)฀Nomor฀33฀Tahun฀1960฀tentang฀ Penentuan฀Perusahaan฀di฀Indonesia฀Milik฀Belanda฀yang฀dinasionalisasi.

Sebagai฀ tindak฀ lanjut฀ dari฀ peraturan฀ tersebut,฀ Pemerintah฀ Provinsi฀ Jawa฀ Barat฀ mendirikan฀ PT฀ Bank฀ Karya฀ Pembangunan฀ bermodal฀ dasar฀ dari฀ kas฀ daerah฀ sebesar฀ Rp฀ 2.500.000,฀ dengan฀ Akta฀ Notaris฀ Noezar฀ Nomor฀ 152฀ Tanggal฀ 21฀ Maret฀ 1961฀ dan฀ Nomor฀ 184฀ Tanggal฀ 13฀ Mei฀ 1961฀ serta฀ dikukuhkan฀ dengan฀ Surat฀ Keputusan฀ (SK)฀ Gubernur฀ Provinsi฀ Jawa฀ Barat฀ Nomor฀ 7/GKDH/BPD/61฀ tertanggal฀ 20฀ Mei฀ 1961.฀ Untuk฀ menyempurnakan฀ kedudukan฀ hukum฀ Bank฀ Karya฀ Pembangunan฀ Daerah฀ Jabar,฀ dikeluarkan฀ Peraturan฀ Daerah฀ (Perda)฀ Provinsi฀ Jawa฀ Barat฀ Nomor฀ 11/PDDPRD/฀ 72฀ Tanggal฀ 27฀ Juni฀ 1972฀ tentang฀ Kedudukan฀ Hukum฀ Bank฀ Karya฀ Pembangunan฀ Daerah฀ Jawa฀ Barat฀ sebagai฀ perusahaan฀ daerah฀ (PD)฀ yang฀ bergerak฀ dalam฀ bidang฀ perbankan.฀ Pada฀ perkembangan฀ selanjutnya,฀ nama฀ PD฀ Bank฀ Karya฀ Pembangunan฀ Daerah฀ Jabar฀ diubah฀ menjadi฀ BPD฀ Jabar฀ melalui฀ Perda฀ Provinsi฀ Jawa฀ Barat฀ Nomor฀ 1/DP-040/PD/1978฀ Tanggal฀ 27฀ Juni฀ 1978.

Seiring฀dengan฀meningkatnya฀aktivitas฀dan฀kebutuhan฀nasabah,฀maka฀ pada฀ tahun฀ 1992฀ status฀ BPD฀ Jabar฀ ditingkatkan฀ menjadi฀ bank฀ umum฀ devisa฀berdasarkan฀SK฀Direksi฀Bank฀Indonesia฀(BI)฀Nomor฀25/84/KEP/DIR฀ Tanggal฀2฀November฀1992.฀Selanjutnya,฀berdasarkan฀Perda฀Nomor฀11฀ Tahun฀1995,฀bank฀ini฀mempunyai฀sebutan฀Bank฀Jabar฀dengan฀logo฀baru.฀ Mengikuti฀ perkembangan฀ perekonomian฀ dan฀ perbankan,฀ berdasarkan฀ Perda฀ Nomor฀ 22฀ Tahun฀ 1998฀ dan฀ Akta฀ Pendirian฀ Nomor฀ 4฀ Tanggal฀ 8฀

PT Bank Pembangunan Daerah Jawa Barat and Banten known as Bank Jabar Banten is jointly owned by the Provincial Government of West Java, Banten and other city administrations/regencies throughout West Java and Banten provinces. Bank Jabar Banten was originated from NV DENIS (De Indische Erste Nederlansche shareholding) in Bandung and was one of the Dutch-owned companies engaged in mortgages and was nationalized under government regulation No. 33 in 1960 on the status of former Dutch companies in Indonesia.

Following this regulation, PT Bank Karya Pembangunan was established by the provincial government of West Java with authorized capital of Rp 2,500,000, under notary deed of Noezar number 152 dated March 21st, 1961 and No. 184 dated May 13th, 1961 and was further ratified by West Java governor the decree (SK) number 7/GKDH/BPD/61 dated May 20 th, 1961. To strengthen the legal base of Bank Karya Pembangunan Daerah Jabar, a decree of Perda West Java Province, number 11/PD-DPRD/72 dated: June 27 th, 1972, was issued regarding the legal status of Bank Karya Pembangunan Daerah Jabar as a provincially owned bank (PD). Further, under the West Java province decree number 1/DP-040/ PD/1978 dated June 27 th, 1978; PD Bank Karya Pembangunan Daerah Jabar was renamed BPD Jabar.

(11)

April฀1999฀berikut฀Akta฀Perbaikan฀Nomor฀8฀Tanggal฀15฀April฀1999฀yang฀ telah฀disahkan฀oleh฀Menteri฀Kehakiman฀RI฀pada฀tanggal฀16฀April฀1999,฀ bentuk฀hukum฀Bank฀Jabar฀diubah฀dari฀PD฀menjadi฀perseroan฀terbatas฀(PT).

Untuk฀ memenuhi฀ permintaan฀ masyarakat฀ akan฀ jasa฀ layanan฀ perbankan฀ yang฀ berlandaskan฀ syariah,฀ sesuai฀ dengan฀ izin฀ BI฀ Nomor฀ 2/18/฀ DpG/DPIP฀ Tanggal฀ 12฀ April฀ 2000,฀ sejak฀ tanggal฀ 15฀ April฀ 2000,฀ Bank฀ Jabar฀ menjadi฀ BPD฀ pertama฀ di฀ Indonesia฀ yang฀ menjalankan฀ dual banking system,฀ yaitu฀ memberikan฀ layanan฀ perbankan฀ dengan฀ sistem฀ konvensional฀ dan฀ sistem฀ syariah.

Hasil฀ rapat฀ umum฀ pemegang฀ saham฀ (RUPS)฀ tanggal฀ 16฀ April฀ 2001฀ menyetujui฀ peningkatan฀ modal฀ dasar฀ Bank฀ Jabar฀ menjadi฀ Rp฀ 1฀ triliun฀ agar฀ dapat฀ lebih฀ leluasa฀ melaksanakan฀ ekspansi฀ usaha.฀ Selanjutnya,฀ berdasarkan฀hasil฀keputusan฀RUPS฀yang฀diselenggarakan฀pada฀tanggal฀ 14฀ April฀ 2004฀ dengan฀ Akta฀ Nomor฀ 10฀ Tanggal฀ 14฀ April฀ 2004,฀ modal฀ dasar฀ Bank฀ Jabar฀ dinaikkan฀ dari฀ Rp฀ 1฀ triliun฀ menjadi฀ Rp฀ 2฀ triliun.฀ Melihat฀ perkembangan฀ prospek฀ usaha฀ yang฀ terus฀ membaik,฀ hasil฀ RUPS฀ tanggal฀ 5฀ April฀ 2006฀ menetapkan฀ kenaikan฀ modal฀ dasar฀ Bank฀ Jabar฀ dari฀ Rp฀ 2฀ triliun฀ menjadi฀ Rp฀ 4฀ triliun.฀ Pada฀ bulan฀ November฀ 2007,฀ menyusul฀ dikeluarkannya฀ SK฀ Gubernur฀ BI฀ Nomor฀ 9/63/ kep.gbi/2007฀ tentang฀ Perubahan฀ Izin฀ Usaha฀ Atas฀ Nama฀ PT฀ Bank฀ Pembangunan฀ Daerah฀ Jawa฀ Barat฀ Menjadi฀ Izin฀ Usaha฀ Atas฀ Nama฀ PT฀ Bank฀ Pembangunan฀ Daerah฀ Jawa฀ Barat฀ dan฀ Banten,฀ dilaksanakan฀ penggantian฀ nama฀ sebutan฀ Bank฀ Jabar฀ menjadi฀ Bank฀ Jabar฀ Banten.

Transformasi Bank Jabar Banten:

•฀ ฀1961฀ –฀ Pendirian฀ PT฀ Bank฀ Karya฀ Pembangunan฀ dalam฀ rangka฀ nasionalisasi฀perusahaan฀Belanda฀NV฀DENIS฀(De฀Erste฀Nederlansche฀ Indische฀Shareholding)฀

•฀ 1972฀–฀Penyempurnaan฀kedudukan฀hukum฀Bank฀Karya฀Pembangunan฀ Daerah฀Jabar,฀menjadi฀perusahaan฀daerah฀(PD)฀yang฀bergerak฀dalam฀ bidang฀ perbankan฀ menjadi฀ PD฀ Bank฀ Karya฀ Pembangunan฀ Daerah฀ Jabar.฀

•฀ 1978฀–฀PD฀Bank฀Karya฀Pembangunan฀Daerah฀Jabar฀berubah฀menjadi฀ BPD฀Jabar.฀

•฀ 1992฀–฀Bank฀Pembangunan฀Daerah฀Jawa฀Barat฀menjadi฀bank฀umum฀ devisa฀

•฀ 1995฀ –฀ Bank฀ Pembangunan฀ Daerah฀ Jawa฀ Barat฀ berubah฀ menjadi฀ Bank฀Jabar฀dengan฀logo฀baru.

•฀ 1999฀–฀Bentuk฀hukum฀Bank฀Jabar฀berubah฀dari฀PD฀menjadi฀perseroan฀ terbatas฀(PT).฀

•฀ 2000฀–฀Bank฀Jabar฀menjadi฀Bank฀Pembangunan฀Daerah฀Jawa฀Barat฀ pertama฀di฀Indonesia฀yang฀menjalankan฀dual banking system,฀yaitu฀ memberikan฀ layanan฀ perbankan฀ dengan฀ sistem฀ konvensional฀ dan฀ sistem฀syariah.฀

•฀ 2001฀–฀RUPS฀tanggal฀16฀April฀2001฀menyetujui฀peningkatan฀modal฀ dasar฀Bank฀Jabar฀menjadi฀Rp฀1฀triliun.฀฀

•฀ 2004฀ –฀ RUPS฀ tanggal฀ 14฀ April฀ 2004฀ menyetujui฀ kenaikan฀ modal฀ dasar฀Bank฀Jabar฀dari฀Rp฀1฀triliun฀menjadi฀Rp฀2฀triliun.฀฀

•฀ 2006฀ –฀ RUPS฀ tanggal฀ 5฀ April฀ 2006฀ menetapkan฀ kenaikan฀ modal฀ dasar฀Bank฀Jabar฀dari฀Rp฀2฀triliun฀menjadi฀Rp฀4฀triliun.฀

•฀ 2007฀ –฀ Perubahan฀ Izin฀ Usaha฀ Atas฀ Nama฀ PT฀ Bank฀ Pembangunan฀ Daerah฀ Jawa฀ Barat฀ Menjadi฀ Izin฀ Usaha฀ Atas฀ Nama฀ PT฀ Bank฀ Pembangunan฀Daerah฀Jawa฀Barat฀dan฀Banten,฀nama฀sebutan฀Bank฀ Jabar฀menjadi฀Bank฀Jabar฀Banten.

•฀ 2008฀–฀Bank฀Jabar฀Banten.฀

1998, Incorporation Act number 4 dated April 8th, 1999 as well as the Amendment Act Number 8 dated April 15th, 1999 the legal status of Bank Jabar was altered from PD to a limited liability company (PT). And this alteration was ratified by the Minister of Justice of the Republic of Indonesia on April 16th, 1999

In response to the growing public need for sharia banking services and in conformity with Bank Indonesia license number 2/18/ DpG/DPIP dated April 12th, 2000, since April 15th, 2000 Bank Jabar became the first provincial bank in Indonesia to provide a dual banking system, both conventional and sharia system banking.

The Shareholders meeting (RUPS) dated April 16th, 2001 approved an increase of authorized capital to Rp 1 trillion to enable a higher flexibility in business expansion. Three years later, based on the Shareholders’ meeting on April 14th, 2004 and by the Act number 10th dated April 14, 2004, the authorized capital of Bank Jabar was again increased from Rp 1 trillion to Rp 2 trillion. Taking the Bank’s continuous growth and improved business prospects into account, the Shareholders’ general meeting on April 5th, 2006 decided to double the authorized capital of Bank Jabar from Rp 2 trillion to Rp 4 trillion. In November 2007, following the issuance of Bank Indonesia decree number 9/63/ kep.gbi/2007 the name of Bank Jabar was changed into Bank Jabar Banten, as stipulated in the approval of business license amendment.

Milestones of Bank Jabar Banten:

•฀ ฀1961฀ –฀ Establishment฀ of฀ PT฀ Bank฀ Karya฀ Pembangunan฀ from฀ the฀

nationalization of Dutch owned company NV DENIS (De Erste Nederlansche Indische shareholding)

•฀ ฀1972฀ –฀ Legal฀ status฀ improvement฀ of฀ Bank฀ Karya฀ Pembangunan฀

Daerah Jabar, into Perusahaan Daerah (PD) engaged in banking business namely PD Bank Karya Pembangunan Daerah Jabar.

•฀ ฀1978฀ –฀ PD฀ Bank฀ Karya฀ Pembangunan฀ Daerah฀ Jabar฀ changed฀ into฀

BPD Jabar.

•฀ ฀1992฀ –฀ BPD฀ Jawa฀ Barat฀ becomes฀ Foreign฀ Exchange฀ Commercial฀

Bank.

•฀ ฀1995฀–฀BPD฀Jabar฀becomes฀Bank฀Jawa฀Barat฀with฀new฀logo. •฀ ฀1999฀ –฀ Legal฀ Status฀ of฀ Bank฀ Jabar฀ altered,฀ from฀ PD฀ into฀ limited฀

liability (PT).

•฀ ฀2000฀ –฀ Bank฀ Jabar฀ becomes฀ the฀ irst฀ BPD฀ in฀ Indonesia฀ to฀ run฀ a฀

dual banking system to provide services in conventional and sharia systems.

•฀ ฀2001฀ –฀ On฀ April฀ 16th,฀ 2001฀ Shareholders’฀ meeting฀ approved฀ the฀

increase of authorized capital of Bank Jabar into Rp 1 trillion.

•฀ ฀2004฀ –฀ On฀ April฀ 14th,฀ 2004฀ General฀ Meeting฀ of฀ Shareholders฀

approved the increase of authorized capital from Rp 1 trillion to Rp 2 trillion.

•฀ ฀2006฀ –฀ On฀ April฀ 5th,฀ 2006฀ the฀ General฀ Meeting฀ of฀ Shareholders฀

approved the increase of authorized capital from Rp 2 trillion to Rp 4 trillion.

•฀ ฀2007฀ –฀ Change฀ of฀ operating฀ license฀ of฀ PT฀ BPD฀ Jawa฀ Barat฀ into฀

business license on behalf of PT BPD Jawa Barat and Banten, and the bank is called Bank Jabar Banten.

(12)

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 2005 2006 2007 2008 2009 DESCRIPTION

A Jumlah Aset 15.510.786 21.214.898 23.043.489 26.040.869 32.410.329 Total Asset

B Penyaluran Dana 13.738.110 18.407.793 19.496.849 23.224.217 29.238.494 Credit

1.฀ ฀Kredit฀yang฀diberikan฀(termasuk฀kredit฀bank฀lain) ฀10.074.504฀ ฀11.763.535฀ ฀13.047.515฀ ฀16.429.069฀ ฀19.631.968฀ Disbursed Loan

2.฀ Penempatan฀pada฀Bank฀Lain ฀2.554.501฀ ฀1.697.431฀ ฀2.095.916฀ ฀2.387.795฀ ฀3.360.208฀ Placement in Other Banks

3.฀ SSB฀termasuk฀SBI ฀1.104.221฀ ฀4.940.543฀ ฀4.344.559฀ ฀4.373.542฀ ฀6.212.379฀ Securities incl. BI Certificates

4.฀ Penyertaan ฀4.884฀ ฀6.284฀ ฀8.859฀ ฀33.811฀ ฀33.939฀ Placement

C Penghimpunan Dana 13.350.999 18.371.222 19.909.813 22.388.581 27.797.316 Funding

C.1. Dana Pihak Ketiga 11.526.331 15.540.826 16.485.382 18.347.050 23.718.912 Third Party Fund

1.฀ Giro ฀5.463.497฀ ฀6.621.527฀ ฀6.563.062฀ ฀7.405.206฀ ฀8.272.288฀ Current Account

2.฀ Tabungan ฀1.803.527฀ ฀2.172.886฀ ฀2.709.291฀ ฀3.139.322฀ ฀3.802.574฀ Saving

3.฀ Deposito ฀4.259.307฀ ฀6.746.413฀ ฀7.213.029฀ ฀7.802.522฀ ฀11.644.050฀ Time Deposit

C.2. Dana Lainnya 1.824.668 2.830.396 3.424.431 4.041.531 4.078.404 Other Funding

1.฀ Simpanan฀Dari฀Bank฀Lain ฀781.151฀ ฀795.618฀ ฀1.681.756฀ ฀2.322.237฀ ฀2.323.050฀ Saving from Other Banks

2.฀ Obligasi฀yang฀diterbitkan ฀962.674฀ ฀1.958.302฀ ฀1.681.980฀ ฀1.683.408฀ ฀1.744.253฀ Bonds issued

3.฀ Pinjaman฀yang฀diterima ฀80.843฀ ฀76.476฀ ฀60.695฀ ฀35.886฀ ฀11.101฀ Borrowings

D Ekuitas 1.498.994 1.800.401 2.176.387 2.481.870 3.091.543 Equity

1.฀ Modal฀Disetor ฀1.073.034฀ ฀1.264.475฀ ฀1.495.598฀ ฀1.541.101฀ ฀1.812.154฀ Paid-up Capital

฀ Propinsi฀Jawa฀Barat ฀568.499฀ ฀618.499฀ ฀718.499฀ ฀718.499฀ ฀927.499฀ West Java Province

฀ Propinsi฀Banten ฀91.501฀ ฀96.501฀ ฀119.147฀ ฀122.147฀ ฀130.147฀ Banten Province

฀ Kota฀&฀Kab.฀se฀-฀Jawa฀Barat ฀306.707฀ ฀405.075฀ ฀500.651฀ ฀525.152฀ ฀566.448฀ All West Java City and Regency

฀ Kota฀&฀Kab.฀se฀-฀Banten ฀106.327฀ ฀144.401฀ ฀157.301฀ ฀175.303฀ ฀188.060฀ All Banten City and Regency

฀ IPO฀(Initial฀Offering)-฀Go฀Public ฀-฀฀ ฀-฀฀ ฀-฀฀ ฀-฀฀ ฀-฀฀ Initial Public Offering (IPO)–Go Public

2.฀ Saldo฀Laba ฀425.960฀ ฀535.925฀ ฀680.789฀ ฀940.769฀ ฀1.279.389฀ Profit Balance

E Modal Bank 1.489.904 1.793.050 2.086.080 2.364.101 ฀2.855.553 Bank Capital

1.฀ Modal฀Inti ฀1.369.758฀ ฀1.648.268฀ ฀1.937.598฀ ฀2.197.958฀ ฀2.721.103฀ Core Capital

2.฀ Modal฀Pelengkap ฀124.099฀ ฀149.756฀ ฀155.154฀ ฀196.201฀ ฀168.389฀ Supplementary Capital

3.฀ Penyertaan฀(฀-฀/฀-฀) ฀(3.953) ฀(4.974) ฀(6.672) ฀(30.058) ฀(33.939) Investments (- / -)

F Aktiva Tertimbang Menurut Resiko (ATMR) 9.927.915 11.980.466 12.412.356 15.696.107 13.471.095 Risk Weighted Asset

G Kualitas Aktiva Produktif (termasuk SBI) 13.838.994 18.985.483 20.719.465 24.174.893 31.872.177 Earning Asset Quality (incl. SBI)

1.฀ Lancar ฀13.715.425฀ ฀18.872.698฀ ฀20.324.387฀ ฀23.545.084฀ ฀31.289.487฀ Current

2.฀ Dalam฀Perhatian฀Khusus ฀76.842฀ ฀62.441฀ ฀300.779฀ ฀494.838฀ ฀183.986฀ Special Mention

3.฀ Kurang฀Lancar ฀8.944฀ ฀11.372฀ ฀13.048฀ ฀13.987฀ ฀188.216฀ Substandard

4.฀ Diragukan ฀11.777฀ ฀12.352฀ ฀21.436฀ ฀19.860฀ ฀30.259฀ Doubtful

5.฀ Macet ฀26.006฀ ฀26.620฀ ฀59.815฀ ฀101.124฀ ฀180.229฀ Loss

H Laba Rugi Profit (Loss)

1.฀ Pendapatan฀Bunga ฀2.074.421฀ ฀2.384.432฀ ฀2.459.590฀ ฀3.079.494฀ ฀3.944.548฀ Interest Income

2.฀ Beban฀Bunga ฀(795.238) ฀(1.289.443) ฀(1.246.368) ฀(1.253.624) ฀(1.841.510) Interest Expense

3.฀ Pendapatan฀Bunga฀Bersih ฀1.279.183฀ ฀1.094.989฀ ฀1.213.222฀ ฀1.825.870฀ ฀2.103.038฀ Net Interest Income

4.฀ Pendapatan฀Operasional฀Lainnya ฀78.938฀ ฀196.570฀ ฀219.749฀ ฀174.708฀ ฀262.083฀ Other Operating Income

5.฀ Beban฀Operasional฀Lainnya ฀(885.334) ฀(785.304) ฀(881.566) ฀(1.200.443) ฀(1.410.138) Other Operating Expense

6.฀ ฀Pendapatan฀(Beban)฀Operasional฀Lainnya ฀(806.396)฀ (588.734) ฀(661.817) ฀(1.025.735) ฀(1.148.055) Other Operating Income (expense)

7.฀ Pendapatan฀Non฀Operasional ฀16.091฀ ฀26.360฀ ฀17.219฀ ฀29.510฀ ฀40.601฀ Non Operating Income

8.฀ Beban฀Non฀Operasional ฀(41.989) ฀(28.318) ฀(15.917) ฀(10.699) ฀(10.207) Non Operating Expense

9.฀ Laba฀Sebelum฀Pajak ฀446.889฀ ฀504.297฀ ฀552.707฀ ฀818.946฀ ฀985.377฀ Profit Before Tax

10.฀ Pajak ฀(190.253) ฀(201.855) ฀(182.040) ฀(276.784) ฀(276.271) Tax

11.฀ Laba฀Bersih ฀256.636฀ ฀302.442฀ ฀370.667฀ ฀542.162฀ ฀709.106฀ Net Profit

12.฀ Laba฀Rugi฀Awal฀Tahun ฀313.917฀ ฀฀425.960฀ ฀535.925฀ ฀680.789฀ ฀940.769฀ Profit (Loss) as at beginning year

13.฀ Dividen฀dan฀lainnya ฀(144.593) ฀(192.477) ฀(225.803) ฀(282.182) ฀(370.486) Dividend and Others

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Ikhtisar Saham

Stock Highlights

No. PEMEGANG SAHAM

SHAREHOLDER

POSISI MODAL

CAPITAL POSITION

Desember / December 2009

PROSENTASE KEPEMILIKAN

OWNERSHIP PERCENTAGE

Desember / December 2009

A. PEMERINTAH PROPINSI JAWA BARAT

WEST JAVA PROVINCIAL GOVERNMENT 927.498.683.250 51,18%

B. PEMERINTAH฀KOTA/KABUPATEN฀SEJAWA฀BARAT

ALL-WEST JAVA CITY / REGENCY GOVERNMENT 566.448.920.459 31,26%

KOTA฀/฀CITY 142.219.239.000 7,85%

1. BANDUNG 29.000.001.500 1,60%

2. CIREBON 4.259.907.250 0,24%

3. SUKABUMI 9.205.130.000 0,51%

4. BEKASI 14.924.256.000 0,82%

5. BOGOR 11.184.452.250 0,62%

6. CIMAHI 26.000.000.000 1,43%

7. DEPOK 22.395.492.000 1,24%

8. BANJAR 10.250.000.000 0,57%

9. TASIKMALAYA 15.000.000.000 0,83%

KABUPATEN฀/฀REGENCY 424.229.681.459 23,41%

1. BANDUNG 170.226.741.750 9,39%

2. CIREBON 13.402.270.000 0,74%

3. KARAWANG 11.579.661.000 0,64%

4. CIAMIS 8.180.274.250 0,45%

5. TASIKMALAYA 32.738.450.000 1,81%

6. SUKABUMI 20.750.000.000 1,15%

7. SUBANG 10.731.639.709 0,59%

8. INDRAMAYU 17.611.976.750 0,97%

9. BEKASI 18.387.626.000 1,01%

10. SUMEDANG 11.513.171.000 0,64%

11. BOGOR 48.364.516.500 2,67%

12. CIANJUR 25.604.190.000 1,41%

13. KUNINGAN 6.877.030.000 0,38%

14. MAJALENGKA 8.865.667.250 0,49%

15. GARUT 6.591.874.500 0,36%

16. PURWAKARTA 12.604.792.750 0,71%

C. PEMERINTAH฀PROPINSI฀BANTEN

BANTEN PROVINCIAL GOVERNMENT 130.147.464.000 7,18%

D. PEMERINTAH฀KOTA/KABUPATEN฀SEBANTEN

ALL-BANTEN CITY / REGENCY GOVERNMENT 188.059.599.000 10,38%

KOTA฀/฀CITY 44.375.848.500 2,45%

1. TANGERANG 29.875.848.500 1,65%

2. CILEGON 14.500.000.000 0,80%

KABUPATEN฀/฀REGENCY 143.683.750.500 7,93%

1. SERANG 36.077.812.750 1,99%

2. TANGERANG 72.326.547.250 3,99%

3. LEBAK 8.974.788.500 0,50%

4. PANDEGLANG 26.304.602.000 1,45%

(15)

Pembagian Dividen

Distribution of Dividend

No. Pemegang Saham / Shareholder

Posisi Modal

Capital Position

Desember / December

2009

Dividen Tahun Buku

Fiscal Year Dividend

2009

Dividen Tahun Buku

Fiscal Year Dividend

2008

Kenaikan (Penurunan)

Increase (Decrease)

(Rupiah) ( % )

A. Pemerintah Propinsi Jawa Barat

West Java Provincial Government 927.498.683.250,00 220.387.795.821 175.924.594.410,00 44.463.201.411,29 25,27%

B. Pemerintah Kota & Kabupaten se - Jawa Barat

All-West Java City / & Regency Government 566.448.920.250,00 161.779.975.993 125.158.322.613,00 36.621.653.379,74 29,26%

Pemerintah Kota se–Jawa Barat

All-West Java City Government 142.219.239.000,00 39.761.609.920 28.973.793.811,00 10.787.816.108,72 37,23%

1. Bandung ฀29.000.001.500,00฀ ฀8.684.757.575฀ ฀7.100.658.109,00฀ ฀1.584.099.465,53฀ 22,31%

2. Cirebon ฀4.259.907.250,00฀ ฀1.275.733.098฀ ฀795.173.472,00฀ ฀480.559.626,02฀ 60,43%

3. Sukabumi ฀9.205.130.000,00฀ ฀2.656.875.838฀ ฀1.886.603.138,00฀ ฀770.272.700,45฀ 40,83%

4. Bekasi ฀14.924.256.000,00฀ ฀4.151.240.834฀ ฀2.858.444.698,00฀ ฀1.292.796.136,15฀ 45,23%

5. Bogor ฀11.184.452.250,00฀ ฀3.196.600.227฀ ฀2.259.208.666,00฀ ฀937.391.561,18฀ 41,49%

6. Depok ฀22.395.492.000,00฀ ฀5.771.018.714฀ ฀3.422.719.115,00฀ ฀2.348.299.598,98฀ 68,61%

7. Cimahi ฀26.000.000.000,00฀ ฀7.162.429.009฀ ฀5.447.918.440,00฀ ฀1.714.510.568,52฀ 31,47%

8. Tasikmalaya ฀15.000.000.000,00฀ ฀4.242.553.768฀ ฀3.183.053.471,00฀ ฀1.059.500.297,11฀ 33,29%

9. Banjar ฀10.250.000.000,00฀ ฀2.620.400.857฀ ฀2.020.014.702,00฀ ฀600.386.154,78฀ 29,72%

Pemerintah฀Kabupaten฀se฀-฀Jawa฀Barat

All-West Java Regency Government ฀424.229.681.250,00฀ ฀122.018.366.073฀ ฀96.184.528.802,00฀ ฀25.833.837.271,02฀ 26,86%

1. Bandung ฀170.226.741.750,00฀ ฀50.978.548.563฀ ฀41.680.063.163,00฀ ฀9.298.485.400,19฀ 22,31%

2. Cirebon ฀13.402.270.000,00฀ ฀3.464.600.177฀ ฀2.751.040.476,00฀ ฀713.559.701,00฀ 25,94%

3. Karawang ฀11.579.661.000,00฀ ฀3.218.249.854฀ ฀2.243.561.609,00฀ ฀974.688.245,28฀ 43,44%

4. Ciamis ฀8.180.274.250,00฀ ฀2.200.220.603฀ ฀1.589.757.508,00฀ ฀610.463.094,60฀ 38,40%

5. Tasikmalaya ฀32.738.450.000,00฀ ฀9.554.765.148฀ ฀7.424.296.744,00฀ ฀2.130.468.404,44฀ 28,70%

6. Sukabumi ฀20.750.000.000,00฀ ฀5.596.427.544฀ ฀4.529.729.939,00฀ ฀1.066.697.605,11฀ 23,55%

7. Subang ฀10.731.639.500,00฀ ฀2.921.733.579฀ ฀2.341.042.417,00฀ ฀580.691.161,78฀ 24,80%

8. Indramayu ฀17.611.976.750,00฀ ฀4.825.124.306฀ ฀3.496.129.653,00฀ ฀1.328.994.653,29฀ 38,01%

9. Bekasi ฀18.387.626.000,00฀ ฀5.007.498.990฀ ฀4.012.514.601,00฀ ฀994.984.389,08฀ 24,80%

10. Sumedang ฀11.513.171.000,00฀ ฀3.447.899.789฀ ฀2.819.002.993,00฀ ฀628.896.795,87฀ 22,31%

11. Bogor ฀48.364.516.500,00฀ ฀13.111.342.843฀ ฀9.801.645.885,00฀ ฀3.309.696.958,50฀ 33,77%

12. Cianjur ฀25.604.190.000,00฀ ฀7.667.799.019฀ ฀6.269.192.757,00฀ ฀1.398.606.261,64฀ 22,31%

13. Kuningan ฀6.877.030.000,00฀ ฀1.984.625.725฀ ฀1.510.407.026,00฀ ฀474.218.698,56฀ 31,40%

14. Majalengka ฀8.865.667.250,00฀ ฀2.655.040.235฀ ฀2.170.760.993,00฀ ฀484.279.242,18฀ 22,31%

15. Garut ฀6.591.674.500,00฀ ฀1.774.388.069฀ ฀1.369.122.994,00฀ ฀405.265.074,90฀ 29,60%

16. Purwakarta ฀12.804.792.750,00฀ ฀3.610.101.629฀ ฀2.176.260.044,00฀ ฀1.433.841.584,61฀ 65,89%

C. Pemerintah Propinsi Banten

Banten Provincial Government 130.147.464.000,00 37.378.634.850 29.234.500.936,00 8.144.133.913,91 27,86%

D. Pemerintah Kota & Kabupaten se - Banten

All-Banten City & Regency Government 188.059.599.000,00 53.190.902.271 40.167.926.005,00 13.022.976.265,61 32,42%

Pemerintah฀Kota฀se฀-฀Banten

All-Banten City Government ฀44.375.848.500,00฀ ฀11.845.843.060฀ ฀9.169.780.063,00฀ ฀2.676.062.996,68฀ 29,18%

1. Tangerang ฀29.875.848.500,00฀ ฀8.052.500.867฀ ฀6.517.235.504,00฀ ฀1.535.265.363,02฀ 23,56%

2. Cilegon ฀14.500.000.000,00฀ ฀3.793.342.193฀ ฀2.652.544.559,00฀ ฀1.140.797.633,67฀ 43,01%

Pemerintah฀Kabupaten฀se฀-฀Banten฀

All-Banten Regency Government ฀143.683.750.500,00฀ ฀41.345.059.211฀ ฀30.998.145.942,00฀ ฀10.346.913.268,93฀ 33,38%

1. Serang ฀36.077.812.750,00฀ ฀10.804.380.736฀ ฀8.323.557.361,00฀ ฀2.480.823.375,08฀ 29,80%

2. Tangerang ฀72.326.547.250,00฀ ฀19.975.404.750฀ ฀14.036.420.399,00฀ ฀5.938.984.350,96฀ 42,31%

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Peristiwa Penting 2009

2009 Events Highlight

01

02

04

06

03

05 21 Februari 2009

Bank฀Jabar฀Banten฀bekerjasama฀dengan฀ Unpad฀menyelenggarakan฀kegiatan฀POE฀ BASA฀INDUNG฀“BASA฀INDUNG฀DIDUNYA฀ ATIKAN”฀sebagai฀wujud฀kepedulian฀ terhadap฀pelestarian฀budaya฀bangsa.

21 February 2009

Bank Jabar Banten in cooperation with University Padjajaran Bandung run a culture event, called POE BASA INDUNG ”BASA INDUNG DIDUNYA ATIKAN”

24 Februari 2009

Penandatanganan฀kredit฀sindikasi฀proyek฀ PLN฀Total฀kredit฀senilai฀Rp฀4,732฀triliun฀Porsi฀ Bank฀Jabar฀Banten฀senilai฀Rp฀25฀miliar.

24 February 2009

Syndicated loan signed for PLN projects for Rp 4.732 trillion, Rp 25 billion of which is Bank Jabar Banten’s portion.

21 Mei 2009

Peringatan฀HUT฀Bank฀Jabar฀Banten฀yang฀ ke-48.

21 May 2009

Bank Jabar Banten’s 48th anniversary celebration.

10 Juni 2009

Penandatanganan฀perjanjian฀kerjasama฀ pembiayaan฀antara฀Bank฀Jabar฀Banten฀ dengan฀PD฀Pasar฀Jaya.

10 June 2009

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08

07

09

11

10

12 3 Agustus 2009

Penandatanganan฀Nota฀Kesepahaman฀ antara฀Bank฀Jabar฀Banten฀dan฀Permodalan฀ Nasional฀Madani฀(PNM)฀dalam฀rangka฀ perluasan฀akses฀dan฀peningkatan฀ penyaluran฀pembiayaan฀bagi฀UMKN฀di฀ wilayah฀Jawa฀Barat฀dan฀Banten.

3 August 2009

Signed Memorandum of Understanding between Bank Jabar Banten and Permodalan Nasional Madani (PNM) in conjunction with the expansion and development of financing UMKN in West Java and Banten.

28 – 30 Agustus 2009

Penyelenggaraan฀Safari฀Bazar฀KUMKM฀ yang฀melibatkan฀30฀pelaku฀usaha฀mitra฀ binaan฀Bank฀Jabar฀Banten.

28 – 30 August 2009

Safari Bazaar for 30 small businesses financed by Bank Jabar Banten.

28 September 2009

Launched Bank Jabar Banten mobile for Education and bank tellers.

28 September 2009

Launching mobil฀kas฀dan฀edukasi฀Bank฀ Jabar฀Banten.

3 October 2009

Launched a new service of Weekend Banking, weekend bank transactions on Saturday and Sunday.

23 October 2009

Signed Syndicated Loans for North Lampung district government irrigation, bridge and road improvement projects. Out of a total credit of Rp 20.5 billion, Rp 18.5 billion is Bank Jabar Banten’s portion.

3 Oktober 2009

Peluncuran฀layanan฀Weekend Banking,฀ yang฀merupakan฀transaksi฀perbankan฀pada฀ akhir฀pekan฀(sabtu฀dan฀minggu)

23 Oktober 2009

Penandatanganan฀Kredit฀Sindikasi฀ Pemerintah฀Kabupaten฀Lampung฀Utara,฀ Proyek฀perbaikan฀irigasi,฀jembatan฀&฀jalan.฀ Total฀Kredit฀senilai฀Rp฀20,5฀miliar.฀ Porsi฀Bank฀Jabar฀Banten฀pada฀kredit฀ tersebut฀senilai฀Rp18,5฀miliar.

29 October 2009

Signed syndicated loan for local government Tanggamus - Lampung province for road, bridge, river, irrigation, environment and residential improvement projects. Of total loans of Rp 250 billion, Rp 25 billion is Bank Jabar Banten’s portion.

29 Oktober 2009

Penandatanganan฀kredit฀sindikasi฀ pemerintah฀Tanggamus฀–฀Provinsi฀Lampung.฀ Proyek฀perbaikan฀jalan,฀jembatan,฀sungai,฀ irigasi,฀lingkungan฀&฀pemukiman.฀ Total฀Kredit฀senilai฀Rp฀250฀miliar.฀ Porsi฀Bank฀Jabar฀Banten฀senilai฀Rp฀25฀miliar.

18 November 2009

Signed syndicated loan for “Bogor Ring Road” project. Of total credit for Rp 1,053,447,000,000, Bank Jabar Banten’s

4 November 2009

Signed syndicated loan for Panghegar Kana Property. Out of total loans of Rp120 billion, Rp 50 billion is Bank Jabar Banten’s portion.

4 November 2009

Penandatanganan฀kredit฀sindikasi฀ Panghegar฀Kana฀Properti฀Total฀kredit฀senilai฀ Rp฀120฀miliar.฀Porsi฀Bank฀Jabar฀Banten฀ Rp฀50฀miliar.

18 November 2009

(18)

1. Penghargaan dari Bisnis Indonesia:

฀ •฀ Eficiency฀Award

฀ •฀ ฀“The฀Best฀BPD”฀Bank฀Terbaik฀Kategori฀

Pembangunan Daerah - Award 2009

2. Penghargaan dari majalah Tempo (ABFI Institute PERBANAS sebagai tim penilai):

฀ •฀ ฀“The฀Best฀Performance฀Award฀of฀Indonesian฀Banks฀–฀ Kategori฀BPD”

3. Penghargaan dari majalah InfoBank:

฀ •฀ ฀Platinum฀Award฀–฀dengan฀predikat฀sangat฀bagus฀

selama 10 tahun berturut-turut

฀ •฀ 1st฀Best฀ATM ฀ •฀ 1st฀Best฀Satpam

฀ •฀ 2nd฀Best฀phone฀Handling ฀ •฀ 3rd฀Overall฀Performance

1. Bisnis Indonesia Awards:

฀ •฀ Eficiency฀Award

฀ •฀ ฀“The฀Best฀BPD”฀the฀best฀regional฀development฀bank฀

2. Tempo magazine awards (ABFI Institute PERBANAS):

฀ •฀ ฀The฀Best฀Performance฀Award฀of฀Indonesian฀Regional฀

Development Bank

3. InfoBank magazine award:

฀ •฀ ฀Platinum฀Award฀–฀with฀the฀notation฀very฀satisfactory฀

in 10 years

฀ •฀ 1st฀Best฀ATM ฀ •฀ 1st฀Best฀Security

฀ •฀ 2nd฀Best฀Phone฀Handling ฀ •฀ 3rd฀Best฀Overall฀Performance

(19)

(20)

Sambutan Komisaris Utama

Message from the President Commissioner

Lex Laksamana Zainal Lan Komisaris Utama

President Commissioner

Dengan dukungan semua pihak,

manajemen Bank Jabar Banten

berhasil memenuhi sasaran usaha

sebagaimana yang tertuang dalam

Rencana Kerja dan Anggaran

Perusahaan 2009.

With full support from all stakeholders,

the Management of Bank Jabar Banten

was able to achieve its business objectives

as stated in the 2009 Work Plan and

(21)

Assalamu’alaikum฀warahmatullahi฀wabarakatuh,

Kondisi฀perekonomian฀global฀maupun฀makro฀domestik฀di฀ Indonesia฀pada฀tahun฀2009฀berada฀pada฀tren฀yang฀positif฀ dan฀jauh฀lebih฀baik฀dibanding฀kondisi฀pada฀semester฀ke฀ dua฀tahun฀2008.฀Meskipun฀gejolak฀perekonomian฀global฀ belum฀ sepenuhnya฀ usai,฀ Indonesia฀ telah฀ mencatatkan฀ pertumbuhan฀ekonomi฀sebesar฀4,3%฀di฀tahun฀2009;฀suatu฀ prestasi฀ yang฀ sangat฀ membanggakan฀ mengingat฀ tidak฀ banyak฀negara฀yang฀berhasil฀mencatatkan฀pertumbuhan฀ ekonomi฀yang฀positif฀di฀tahun฀tersebut.฀Bersama฀inlasi฀ yang฀ terjaga฀ serta฀ nilai฀ tukar฀ yang฀ stabil,฀ fundamental฀ ekonomi฀ Indonesia฀ menjadi฀ kondusif฀ berusaha฀ dan฀ berdagang,฀ tidak฀ terkecuali฀ dalam฀ bisnis฀ perbankan.฀ Indikator-indikator฀perbankan฀di฀tahun฀2009฀menunjukkan฀ perkembangan฀ yang฀ positif฀ baik฀ pada฀ sisi฀ pemberian฀ kredit฀maupun฀penggalangan฀dana.฀Ekspansi฀perbankan฀ tersebut฀ berjalan฀ dengan฀ baik฀ karena฀ diimbangi฀ oleh฀ NPL฀ yang฀ masih฀ rendah฀ (3,31%)฀ serta฀ rasio฀ kecukupan฀ permodalan฀(CAR)฀yang฀mencukupi฀(17,42%).

Kondisi฀ yang฀ kondusif฀ tersebut฀ dimanfaatkan฀ oleh฀ Bank฀ Jabar฀ Banten฀ untuk฀ berupaya฀ lebih฀ keras฀ untuk฀ meningkatkan฀ kinerjanya.฀ Hal฀ ini฀ tercermin฀ dari฀ digulirkannya฀ berbagai฀ strategi฀ yang฀ menunjang฀ kegiatan฀perbankan฀dalam฀rangka฀meraih฀sasaran฀yang฀ ingin฀ dicapai.฀ Strategi-strategi฀ yang฀ telah฀ dilaksanakan฀ diantaranya฀adalah฀16฀(enam฀belas)฀butir฀terkait฀Kebijakan฀

Dalam฀ prakteknya,฀ strategi฀ dan฀ kebijakan฀ yang฀ telah฀ diambil฀ berjalan฀ dengan฀ baik฀ dan฀ sesuai฀ harapan.฀ Pelaksanaan฀ manajemen฀ perbankan฀ yang฀ dilandasi฀ dengan฀sikap฀yang฀‘prudent’฀dengan฀mempertimbangkan฀ adanya฀risiko฀usaha฀telah฀menyebabkan฀kinerja฀Bank฀Jabar฀ Banten฀ di฀ tahun฀ 2009฀ sangat฀ baik.฀ Hasil฀ pemeriksaan฀ Kantor฀ Akuntan฀ Publik฀ Purwantoko,฀ Sarwoko,฀ dan฀ Sandjaja฀ (Ernst฀ &฀ Young)฀ atas฀ laporan฀ keuangan฀ Bank฀ Jabar฀ Banten฀ Tahun฀ Buku฀ 2009,฀ menyatakan฀ Pendapat฀ Wajar฀ Tanpa฀ Pengecualian฀ dalam฀ semua฀ hal฀ yang฀ material฀ sesuai฀ dengan฀ prinsip฀ akuntansi฀ yang฀ berlaku฀ umum฀ di฀ Indonesia.฀ Selain฀ itu,฀ berdasarkan฀ surat฀ Bank฀ Indonesia฀ Nomor฀ 12/11/BD/Rahasia฀ tanggal฀ 21฀ Januari฀ 2010,฀perihal฀Pembinaan฀Terhadap฀Bank,฀menilai฀tingkat฀ kesehatan฀bank฀berdasarkan฀faktor฀CAMEL฀adalah฀‘Baik’฀ dengan฀Peringkat฀Komposit฀2.฀

Assalamu’alaikum warahmatullahi wabarakatuh,

In 2009,the conditions of global economies and the Indonesian domestic macro economy have shown an upward trend and were much better compared to those in the second half of 2008. Despite the lingering impacts from the global economic turmoil, Indonesia’s economy recorded a growth of 4.3% in 2009; a quite remarkable achievement given the fact that many other economies in the world experienced a contraction in that year. Along with a manageable inflation rate and stable exchange rates, Indonesia’s economy proved to be conducive to business and trade activities, including the banking industry. Indicators in the banking sector in 2009 showed positive developments and growth in terms of loan disbursement as well as fund raising. Expansion in lending and funding was balanced by a relatively low non-performing loan (NPL) rate (3.31%) and sufficiently strong Capital Adequacy Ratio (CAR) of 17.42%.

Taking advantage of the conducive condition, Bank Jabar Banten took extra efforts to improve its performance. A variety of strategies and policies in support of its banking operations were set in place and implemented towards the desired business objectives. Among these are 16 (sixteen) policies concerning General Policies of Management; 6 (six) policies concerning Banks Policies in Business, Services and Loans; 2 (two) policies concerning Bank Policies in Treasury; and 7 (seven) policies concerning Bank Policies on Support Functions.

(22)

Oleh฀ karena฀ itu,฀ adalah฀ suatu฀ kehormatan฀ dan฀ kebahagiaan฀ bagi฀ kami,฀ atas฀ nama฀ Dewan฀ Komisaris฀ PT฀ Bank฀ Pembangunan฀ Daerah฀ Jawa฀ Barat฀ dan฀ Banten฀ (“Bank฀ Jabar฀ Banten”฀ atau฀ “Perseroan”),฀ untuk฀ menyampaikan฀ hasil-hasil฀ usaha฀ dan฀ perkembangan฀ utama฀ Bank฀ selama฀ tahun฀ yang฀ berakhir฀ 31฀ Desember฀ 2009.

Kondisi฀ fundamental฀ ekonomi฀ yang฀ kondusif,฀ telah฀ dimanfaatkan฀dengan฀baik฀oleh฀Bank฀Jabar฀Banten฀dalam฀ melakukan฀ langkah-langkah฀ ekspansif฀ dan฀ penetratif฀ dengan฀ tetap฀ memperhatikan฀ visi฀ dan฀ misi฀ Perseroan.฀ Penambahan฀kantor-kantor฀cabang฀serta฀produk-produk฀ baru,฀khususnya฀kredit฀untuk฀sektor฀UKM฀telah฀digulirkan.฀ Dengan฀demikian,฀tugas฀ganda฀yang฀diemban฀oleh฀Bank฀ Jabar฀ Banten฀ berdasarkan฀ amanat฀ Pemegang฀ Saham,฀ yaitu฀peningkatan฀kinerja฀bank,฀khususnya฀proitabilitas,฀ serta฀mendorong฀perkembangan฀ekonomi฀regional฀dapat฀ terus฀diupayakan.฀

Meskipun฀ tidak฀ spektakuler,฀ pertumbuhan฀ ekonomi฀ Provinsi฀ Jawa฀ Barat฀ di฀ tahun฀ 2009฀ sebesar฀ 4,5%฀ serta฀ Banten฀sebesar฀5,2%฀dapat฀menjadi฀indikasinya.฀Dalam฀ derap฀ langkahnya,฀ praktek฀ perbankan฀ yang฀ semakin฀ ‘prudent’฀yang฀telah฀diterapkan฀Bank฀Jabar฀Banten฀serta฀ kekuatan฀fondasi฀bisnis฀yang฀dimiliki฀Bank฀Jabar฀Banten฀ telah฀ mengantarkan฀ Perseroan฀ maju฀ ke฀ depan฀ secara฀ sinambung฀ dan฀ seimbang.฀ Dalam฀ kaitan฀ ini,฀ Dewan฀ Komisaris฀ mencatat฀ bahwa฀ fondasi฀ bisnis฀ Bank฀ Jabar฀ Banten฀adalah฀kokoh฀dan฀teruji฀dengan฀mampu฀melewati฀ dua฀ gelombang฀ krisis฀ yang฀ terjadi฀ di฀ tahun฀ 1997฀ dan฀ tahun฀2008.

Dalam฀ catatan฀ kami,฀ kemampuan฀ Bank฀ Jabar฀ Banten฀ dalam฀menghadapi฀krisis฀telah฀membuktikan฀bahwa฀Bank฀ Jabar฀Banten฀memiliki฀daya฀tahan฀yang฀sangat฀baik฀dalam฀ menghadapi฀peristiwa฀risiko฀(risk event)฀khususnya฀yang฀ berkaitan฀ dengan฀ risiko฀ pasar฀ yang฀ bersifat฀ sistematis฀

(general or systematic market risk).฀

On behalf of the Board of Commissioners of PT Bank Pembangunan Daerah Jawa Barat dan Banten (“Bank Jabar Banten” or “the Bank”), I am both proud and pleased to present here the Bank’s results of operations and significant progress that have been made during the period of the year ending 31 December 2009.

Bank Jabar Banten was able to take advantage of the conducive economic condition during the year to both expand and penetrate into new areas while remaining within the stated vision and mission of the Bank. The Bank undertook addition of new branches as well as development of new products, especially loan products to the SME sector. Thus, the bank was able to fulfill the double missions entrusted by its Shareholders, namely to improve its performance and especially its profitability, while also promoting greater growth of the economy in the region.

While admittedly quite modest, economic growth of 4.5% and 5.2% for the provinces of West Java and Banten, respectively, may serve as an indication of our success in this respect. Meanwhile, the increasing emphasis on prudent banking by Bank Jabar banten, coupled with its solid business foundation, have served well to promote continuing and balance progress for the Bank on various areas. The Board of Commissioners would like to note here of the solid and proven business foundation of the Bank that has already survived the pressures from the crises in 1997 and again in 2008.

(23)

Hal฀ ini฀ memberikan฀ keyakinan฀ kepada฀ kami,฀ Dewan฀ Komisaris,฀ bahwa฀ upaya-upaya฀ bisnis฀ yang฀ telah฀ dilakukan฀ oleh฀ Manajemen฀ Bank฀ Jabar฀ Banten฀ berada฀ pada฀jalur฀yang฀benar.฀Walaupun฀demikian,฀perbaikan฀di฀ segala฀bidang฀masih฀perlu฀terus฀dilakukan,฀kewaspadaan฀ terhadap฀perubahan฀kondisi฀lingkungan฀eksternal฀tetap฀ harus฀ ditingkatkan,฀ sikap฀ berpuas฀ diri฀ perlu฀ dihindari.฀ Dengan฀ dilandasi฀ sikap฀ tersebut,฀ Dewan฀ Komisaris฀ mencatat฀ bahwa฀ Manajemen฀ Bank฀ Jabar฀ Banten฀ telah฀ memenuhi฀ sasaran฀ usaha฀ sebagaimana฀ dituangkan฀ dalam฀ Rencana฀ Kerja฀ dan฀ Anggaran฀ Perusahaan฀ 2009฀ yang฀ telah฀ ditetapkan฀ oleh฀ Direksi฀ dan฀ disetujui฀ oleh฀ Dewan฀Komisaris.

Hasil฀ capaian฀ bisnis฀ yang฀ menggembirakan฀ tersebut฀ antara฀lain฀mencakup:

•฀ Aset฀ yang฀ meningkat฀ sebesar฀ 24,46%฀ menjadi฀ Rp฀32,41฀triliun

•฀ Laba฀sebelum฀pajak฀yang฀bertambah฀sebesar฀20,32%฀ menjadi฀Rp฀985,38฀miliar

•฀ Penghimpunan฀ dana฀ naik฀ sebesar฀ 24,16%฀ menjadi฀ Rp฀27,80฀triliun,฀dan

•฀ Kredit฀ yang฀ diberikan฀ yang฀ berkembang฀ sebesar฀ 19,50%฀ menjadi฀ Rp฀ 19,63฀ triliun,฀ sedangkan฀ pembiayaan฀ syariah฀ berkembang฀ sebesar฀ 19,11%฀ menjadi฀Rp฀706,98฀miliar

Capaian-capaian฀ usaha฀ tersebut฀ diraih฀ pada฀ kondisi฀ ekonomi฀ nasional฀ yang฀ relatif฀ membaik.฀ Hal฀ ini฀ diantaranya฀ dapat฀ terlihat฀ dari฀ pertumbuhan฀ PDB฀ nasional฀di฀tahun฀2009฀yang฀mencapai฀4.3%,฀laju฀inlasi฀ sebesar฀5,0฀%,serta฀besarnya฀suku฀bunga฀acuan฀(BI฀rate)฀ yang฀ pada฀ tanggal฀ 31฀ Desember฀ 2009฀ adalah฀ sebesar฀ 6,5%.฀ Prospek฀ bisnis฀ di฀ Tahun฀ 2010฀ dan฀ tahun-tahun฀ sesudahnya฀mengindikasikan฀bahwa฀industri฀perbankan฀ dituntut฀untuk฀semakin฀cerdas,฀prudent,฀dan฀profesional.฀ Hal฀ini฀tak฀lepas฀dari฀kondisi฀eksternal฀yang฀terus฀berubah฀ mencari฀titik฀keseimbangan฀baru,฀khususnya฀dengan฀telah฀ diterapkannya฀ASEAN-China฀Free฀Trade฀Area฀(ACFTA).฀

Thus, the Board of Commissioners is convinced that the Management of Bank Jabar Banten is on the right track with its business strategies. Nevertheless, there is still much to be done: improvements in a variety of aspects; increased vigilance to changes in external business conditions; and most of all, never to rest on our laurels. Within this context, it is the opinion of the Board of Commissioners that the Management of Bank Jabar Banten has been successful in achieving the business objectives as laid out in the 2009 Work Plan and Budget that was established by the Board of Directors and approved by the Board of Commissioners.

Among the more significant of our results of operations were:

•฀ Total฀assets฀increased฀by฀24.46%฀to฀Rp฀32.41฀trillion •฀ Income฀ before฀ taxes฀ increased฀ by฀ 20.32%฀ to฀

Rp 985.38 billion

•฀ Customer฀ deposits฀ grew฀ by฀ 24.16%฀ to฀ Rp฀ 27.80฀

trillion, and

•฀ Loan฀outstanding฀expanded฀by฀19.50%฀to฀Rp฀19.63฀

trillion, while Sharia financing expanded by 19.11% to Rp 706.98 billion

(24)

Upaya฀pengalihan฀prioritas฀terhadap฀UMKM,฀peningkatan฀ aktivitas฀fee-based,฀ serta฀ peningkatan฀ eisiensi฀ usaha฀ akan฀ mampu฀ menjawab฀ sebagian฀ tantangan฀ yang฀ dihadapi.฀ Antisipasi฀ membaiknya฀ kondisi฀ perekonomian฀ nasional฀ telah฀ dilakukan฀ secara฀ seksama฀ dan฀ sistematis฀ di฀ dalam฀ entitas฀ Bank฀ Jabar฀ Banten.฀ Oleh฀ karena฀ itu,฀ seluruh฀ jajaran฀ Bank฀ Jabar฀ Banten฀ berada฀ pada฀ kondisi฀ yang฀ positif฀ serta฀ dibekali฀ rasa฀ percaya฀ diri฀ yang฀ tinggi฀ dan฀optimisme฀dalam฀menatap฀masa฀depan.

Dewan฀Komisaris฀terus฀memantau฀kepengurusan฀maupun฀ perkembangan฀ Perseroan฀ sesuai฀ arah฀ dan฀ strategi฀ yang฀ telah฀ ditetapkan฀ dengan฀ dibantu฀ oleh฀ Komite฀ Tetap฀ Dewan฀ Komisaris฀ yang฀ saat฀ ini฀ terdiri฀ dari฀ (i)฀ Komite฀ Audit,฀ (ii)฀ Komite฀ Pemantau฀ Risiko,฀ dan฀ (iii)฀ Komite฀ Remunerasi฀ dan฀ Nominasi.฀ Sejalan฀ dengan฀ peran฀ dan฀ fungsi฀ masing-masing฀ Komite฀ Tetap฀ Dewan฀ Komisaris,฀ Bank฀Jabar฀Banten฀memiliki฀komitmen฀serta฀menjunjung฀ tinggi฀prinsip-prinsip฀dasar฀Good Corporate Governance yang฀ mencakup฀ transparansi,฀ akuntabilitas,฀ tanggung฀ jawab,฀independensi,฀dan฀kewajaran.

Dewan฀ Komisaris,฀ pada฀ kesempatan฀ ini฀ menyampaikan฀ penghargaan฀ dan฀ terimakasih฀ yang฀ sebesar-besarnya฀ kepada฀ Direksi,฀ segenap฀ pegawai,฀ nasabah,฀ serta฀ para฀ pemangku฀kepentingan฀Bank฀Jabar฀Banten,฀yang฀tanpa฀ kerja฀ keras฀ dan฀ dukungan฀ bersama,฀ adalah฀ sulit฀ untuk฀ mencapai฀hasil฀sebagaimana฀dikemukakan฀di฀atas.฀Secara฀ khusus,฀ Dewan฀ Komisaris฀ mengucapkan฀ terimakasih฀ kepada:

•฀ Bapak฀ Gubernur฀ Jawa฀ Barat,฀ Ibu฀ Gubernur฀ Banten,฀ Bapak฀ dan฀ Ibu฀ Bupati,฀ Walikota฀ se-Jawa฀ Barat฀ dan฀ Banten฀ yang฀ telah฀ memberikan฀ dukungan,฀ kepercayaan,฀ dan฀ arahan-arahan฀ kepada฀ kami฀ dalam฀menjalankan฀fungsi฀dan฀peran฀sebagai฀Dewan฀ Komisaris฀Bank฀Jabar฀Banten.

Higher priority for the Micro, Small and Medium sector, increased fee-based activities, and improved efficiency will provide part of the answer to the challenges ahead. Throughout the organization of Bank Jabar Banten, systematic and diligent efforts have been made to anticipate the continuing improvement in the national economy. All personnel at Bank Jabar Banten are in high spirit, full of confidence and optimism in viewing the prospects ahead.

The Board of Commissioners continued to closely monitor ongoing management activities and developments at the Bank in line with the established direction and strategy. In this, the Board is assisted by the various committees under the Board of Commissioners that currently comprise the Audit Committee, the Risk Monitoring Committee, and the Remuneration and Nomination Committee. Each of these Committees in their respective roles and functions plays its part in support of Bank Jabar Banten commitment to uphold the basic principles of Good Corporate Governance, namely transparency, accountability, responsibility, independence, and fairness.

The Board of Commissioners would like to take this opportunity to extend a sincere gratitude and appreciation to the Board of Directors, employees, customers, and all other stakeholders of Bank Jabar Banten. Their hard work and support have become part of our excellent achievements as described earlier. In particular, the Board of Commissioners would like to thank:

•฀ The฀Governor฀of฀West฀Java,฀the฀Governor฀of฀Banten,฀

(25)

Billahitauik฀walhidayah

Wassalamu’alaikum฀warahmatullahi฀wabarakatuh

Lex Laksamana Zainal Lan

•฀ Bank฀ Indonesia,฀ Departemen฀ Keuangan฀ RI,฀ Otoritas฀ Pasar฀ Modal,฀ para฀ Pejabat฀ Legislatif฀ baik฀ pusat฀ maupun฀ daerah฀ yang฀ senantiasa฀ mendukung฀ pertumbuhan฀Perseroan฀selama฀ini.

Semoga฀ Allah฀ SWT฀ memberkati฀ upaya฀ kita฀ bersama฀ untuk฀ meraih฀ pertumbuhan฀ yang฀ berkesinambungan฀ bagi฀Bank฀Jabar฀Banten฀dan฀para฀pemangku฀kepentingan฀ di฀tahun-tahun฀mendatang.

•฀ Bank฀Indonesia,฀Ministry฀of฀Finance,฀Capital฀Market฀

Authority, the Legislative Officials at both the central and regional levels that have continued to support the growth of the Bank over the years.

May Allah Almighty bless our efforts to achieve sustainable growth for Bank Jabar Banten and all stakeholders in the coming years.

(26)

Agus Ruswendi Direktur Utama

President Director

Komitmen kami memberikan layanan

yang terbaik kepada nasabah dengan

memahami kebutuhannya, menyediakan

solusi keuangan yang tepat dan

komprehensif untuk menciptakan

hubungan yang saling menguntungkan

dan berkelanjutan.

We are committed to provide the best

services to customers by understanding

their needs and then providing

comprehensive and suitable financial

solutions that will lead to long-term and

mutually beneficial relationships

(27)

Assalamu’alaikum฀warahmatullahi฀wabarakatuh,

Kinerja฀ perekonomian฀ Indonesia฀ selama฀ tahun฀ 2009฀ mengindikasikan฀ daya฀ tahan฀ perekonomian฀ domestik฀ yang฀cukup฀baik฀dalam฀merespon฀gejolak฀ekonomi฀global.฀ mencapai฀ 4,3%.฀ Hal฀ ini฀ menjadikan฀ Indonesia฀ sebagai฀ salah฀ satu฀ dari฀ sedikit฀ negara฀ di฀ dunia฀ yang฀ mampu฀ mencapai฀pertumbuhan฀ekonomi฀yang฀positif.

Di฀bidang฀perbankan,฀stabilitas฀sistem฀perbankan฀nasional฀ tetap฀terjaga฀tercermin฀dari฀pencapaian฀rasio฀kecukupan฀ permodalan฀(CAR)฀sebesar฀17,42%,฀LDR฀sebesar฀72,88%,฀ Kualitas฀Kredit฀(NPL)฀sebesar฀3,31%฀,฀pertumbuhan฀dana฀ pihak฀ ketiga฀ sebesar฀ 12,53%฀ dan฀ pertumbuhan฀ kredit฀ sebesar฀9,96%.

Menyikapi฀kondisi฀perekonomian฀dan฀perbankan฀nasional฀ selama฀tahun฀2009,฀maka฀dalam฀rangka฀meningkatkan฀ kinerja฀bank,฀kami฀telah฀mengambil฀strategi฀antara฀lain฀ sebagai฀berikut:

•฀ ฀Meningkatkan฀ fungsi฀ bank฀ sebagai฀ lembaga฀ intermediasi.

•฀ ฀Peningkatan฀Market Share Asset฀terhadap฀perbankan฀ nasional฀dari฀tahun฀sebelumnya.

•฀ ฀Melaksanakan฀ riset฀ dan฀ pengembangan฀ secara฀ berkesinambungan฀terhadap฀bidang฀operasional. •฀ ฀Pengembangan฀ dan฀ evaluasi฀ organisasi,฀ sistem,฀

prosedur,฀ketentuan฀dan฀peraturan.

•฀ ฀Meningkatkan฀ kualitas฀ penerapan฀Good Corporate Governance฀(GCG).

•฀ ฀Memperluas฀ jaringan฀ layanan฀ baik฀ di฀ wilayah฀ Pulau฀ Jawa฀maupun฀di฀luar฀Pulau฀Jawa.฀

•฀ ฀Mengembangkan฀ produk฀ yang฀ berorientasi฀ kepada฀ kebutuhan฀ masyarakat/pasar฀ dengan฀ dukungan฀ teknologi฀informasi฀yang฀memadai฀untuk฀memberikan฀ pelayanan฀ unggul฀ dalam฀ rangka฀ meningkatkan฀ Competitive Advantages฀dan฀Corporate Image. •฀ Memperkuat฀permodalan฀bank.฀

•฀ ฀Meningkatkan฀ kualitas฀ dan฀ kuantitas฀ Sumber฀ Daya฀ Manusia฀ yang฀ memiliki฀ integritas,฀ komitmen฀ dan฀ kompetensi฀yang฀tinggi.฀

•฀ ฀Peningkatan฀ efektivitas฀ dan฀ eisiensi฀ dalam฀ operasional฀bank.฀

•฀ ฀Melakukan฀ penerapan฀ manajemen฀ risiko฀ dan฀ pelaksanaan฀kepatuhan฀bank฀secara฀optimal.฀ •฀ ฀Meningkatan฀ kuantitas฀ dan฀ kualitas฀ pengawasan฀

dengan฀menerapkan฀Risk Based Audit฀(RBA).฀ •฀ ฀Melakukan฀ penyertaan฀ modal฀ kepada฀ BPR฀

Pemerintah฀ Daerah฀ maupun฀ anak฀ perusahaan฀ yang฀ menguntungkan.฀

Assalamu’alaikum warahmatullahi wabarakatuh,

Indonesia’s economic performance during 2009 may serve as an example of a resilient domestic economy in the face of global economic turmoil. Indonesia managed to record a positive economic growth despite the lingering impacts of the global economic crisis. This growth is supported by the improving performance in the export sector as the gradually improving global economic conditions encouraged businesses to resume their investments and activities. Thus, the national economy in 2009 grew by 4.3%, making Indonesia as one of the few countries in the world that managed to achieve positive economic growth in that year.

The national banking sector also managed to remain stable, as can be seen from the following banking industry indicators: capital adequacy ratio (CAR) of 17.42%, LDR of 72.88%, non-performing loan (NPL) of 3.31%, growth of third-party funds of 12.53%, and growth of loans of 9.96%.

Responding to ongoing developments in the national economy and banking sector in 2009, the Board of Directors decided on the following initiatives and objectives to improve the performance of the Bank:

•฀ Improving฀the฀Bank’s฀inancial฀intermediary฀function •฀ Increasing฀ asset฀ market฀ share฀ to฀ total฀ assets฀ in฀ the฀

national banking sector from last year’s level

•฀ Conducting฀ continuing฀ research฀ and฀ development฀

programs in operational areas

•฀ Developing฀and฀evaluating฀the฀organization฀structure,฀

systems, procedures, rules and regulations

•฀ Improving฀the฀quality฀of฀Good฀Corporate฀Governance฀ information technology to ensure high-quality services in order to improve the Bank’s competitive advantages and corporate image

•฀ Strengthening฀the฀Bank’s฀capital฀structure

•฀ Improving฀the฀quality฀and฀quantity฀of฀human฀resources฀

possessing integrity, dedication and competence

•฀ Improving฀the฀effectiveness฀and฀eficency฀of฀banking฀

operations

•฀ Implementing฀ an฀ optimum฀ risk฀ management฀ and฀

compliance functions

•฀ Improving฀the฀quantity฀and฀quality฀of฀internal฀control฀

through the implementation of Risk Based Audit (RBA).

•฀ Conducting฀equity฀participation฀in฀Local฀Government฀

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KINERJA KEUANGAN

Melalui฀ inisiatif฀ strategi฀ tersebut,฀ dalam฀ menghadapi฀ kondisi฀ perekonomian฀ dan฀ perbankan฀ tahun฀ 2009,฀ kinerja฀Bank฀Jabar฀Banten฀menunjukkan฀perkembangan฀ yang฀baik,฀secara฀garis฀besar฀dapat฀disampaikan฀sebagai฀ berikut:

Total฀ asset฀ tumbuh฀ sebesar฀ 24,46%฀ menjadi฀ Rp฀ 32,41฀ triliun฀dari฀Rp฀26,04฀triliun฀pada฀tahun฀2008.

Disaat฀kondisi฀keuangan฀global฀belum฀pulih,฀penempatan฀ dana฀ di฀ perbankan฀ menjadi฀ pilihan฀ yang฀ aman,฀ hal฀ tersebut฀ berpengaruh฀ pada฀ pertumbuhan฀ simpanan฀ dana฀ pihak฀ ketiga฀ sebesar฀ 29,28%฀ menjadi฀ Rp฀ 23,72฀ triliun฀dari฀Rp฀18,35฀triliun฀pada฀tahun฀2008.

Ditengah฀ belum฀ optimalnya฀ fungsi฀ intermediasi฀ bank,฀ penyaluran฀ kredit฀ tumbuh฀ 19,50%฀ menjadi฀ Rp฀ 19,63฀ triliun฀dari฀Rp฀16,43฀triliun฀pada฀tahun฀2008,฀yang฀diikuti฀ oleh฀peningkatan฀komposisi฀penyaluran฀kredit฀produktif฀ dan฀konsumsi฀yaitu฀menjadi฀24,70%฀berbanding฀75,30%.฀ Apabila฀memperhitungkan฀fasilitas฀kredit฀produktif฀yang฀ belum฀ ditarik฀ maka฀ komposisi฀ kredit฀ produktif฀ dan฀ konsumtif฀mencapai฀31,55%฀berbanding฀68,45%.

Laba฀ sebelum฀ pajak฀ 2009฀ tumbuh฀ sebesar฀ 20,32%฀ menjadi฀ Rp฀ 985,38฀ miliar฀ dari฀ Rp818,95฀ miliar฀ pada฀ tahun฀2008.

Dari฀ sisi฀ rasio฀ permodalan,฀ maka฀ Bank฀ Jabar฀ Banten฀ dengan฀ rasio฀ sebesar฀ 21,20%฀ masih฀ diatas฀ rasio฀ permodalan฀ perbankan฀ nasional฀ dan฀ jauh฀ melebihi฀ persyaratan฀minimum฀sebesar฀8%.

PENINGKATAN KUALITAS LAYANAN

Dalam฀ rangka฀ mewujudkan฀ komitmen฀ untuk฀ meningkatkan฀ layanan฀ yang฀ aman,฀ mudah,฀ cepat฀ dan฀ nyaman,฀ kami฀ melaksanakan฀ perluasan฀ jaringan฀ kantor฀ diantaranya฀ dengan฀ pembukaan฀ cabang฀ di฀ luar฀ Pulau฀ Jawa฀yaitu฀di฀kota฀Batam฀dan฀Medan.

FINANCIAL PERFORMANCE

Through the implementation of those initiatives in response to ongoing conditions in the economy and the banking sector in 2009, Bank Jabar Banten have achieved satisfactory progress and results, as outlined in the following.

Total assets grew by 24.46% to Rp 32.41 trillion from Rp 26.04 trillion in 2008.

With the preference for bank deposits as a safer option in times of instability in global financial conditions, third party funds increased by 29.28% to Rp 23.72 trillion from Rp 18.35 trillion in 2008.

Amidst non-optimum bank financial intermediary function, loan disbursement grew by 19.50% to Rp 19.63 trillion from Rp 16.43 trillion in 2008. This was accompanied by an improvement in the composition of loans for productive and consumptive purposes of 24.70% and 75.30%, respectively. Including un-drawn productive loan facilities, the composition of productive and consumptive loans were 31.55% and 68.45%, respectively.

Income before taxes grew by 20.32% to Rp 985.38 billion from Rp 818.95 billion in 2008.

In terms of capital adequacy, the Capital Adequacy Ratio (CAR) of Bank Jabar Banten of 21.20% was higher than the national average and far above the minimum requirement of 8%.

IMPROVEMENT IN SERVICE QUALITY