LAPORAN
TAHUNAN
2019
ANNUAL REPORT
Untuk mendukung kegiatan operasional dan To support digital-based operations and products
produk berbasis digital melalui penguatan through reliable infrastructure reinforcement,
infrastruktur yang handal, maka telah the management strategies for 2019 was set
ditetapkan strategi manajemen di tahun 2019 into strengthening capital to support business
yaitu penguatan permodalan untuk mendukung acceleration, acquiring third party funding (DPK)
akselerasi bisnis, penghimpunan DPK melalui though e-channel to maintain sufficient liquidity,
pengembangan E-Channel untuk menjaga increasing credit growth by preserving credit
likuiditas yang memadai, meningkatkan quality, developing digital banking to optimize
pertumbuhan kredit dengan tetap menjaga business transaction for increasing income, and
kualitas kredit, pengembangan digital banking reinforcing synergy in supports to achieve business
untuk mengoptimalkan transaksi bisnis guna target. By applying these strategies¸ Company is
peningkatan pendapatan, dan memperkuat confident that banking business is promising going
sinergi bidang supporting untuk mendukung forward.
pencapain target bisnis. Dengan menerapkan
berbagai strategi manajemen tersebut¸
Perseroan optimis bahwa prospek usaha bank
akan semakin membaik kedepannya.
Tentang Laporan Tahunan
About Annual Report
Kesinambungan Tema
Theme Continuity
Sebagai Bank Pembangunan Daerah, As a regional development bank, Company
Perseroan memiliki peran strategis plays a strategic role as a government’s
Makna Cover
Meaning of the cover
Cover menggambarkan beberapa kain bermotif batik khas wilayah Jawa Barat dan Banten yang saling terkait erat, melambangkan
keterkaitan Perseroan dengan para stakeholder yang bersinergi dalam mewujudkan salah satu Misi Perseroan yaitu Penggerak dan
Pendorong Laju Perekonomian Daerah. Hal tersebut merupakan wujud komitmen Perseroan untuk senantiasa berperan dalam
membangun kearifan lokal untuk dapat tumbuh dan berkembang bersama. Kain tersusun semakin melebar memberikan makna bahwa
Perseroan senantiasa berupaya memperluas cakupan wilayah usaha di luar wilayah Jawa Barat dan Banten. Sedangkan lembaran kain
berwarna biru dan kuning selaras dengan warna logo Perseroan.
The cover illustrates some batik motifs typical of the regions of West Java and Banten that are closely interrelated, symbolizing the link between
the Company and the stakeholders who work together in realizing one of the Company missions, namely the Mobilizers and Drivers of the
Regional Economic Pace. This is a form of Company commitment to always play a role in building local wisdom to be able to grow and develop
together. The fabric is increasingly widened to give the meaning that the Company is always trying to expand the scope of business areas outside
the area of West Java and Banten. While the blue and yellow cloth sheets are in harmony with the color of the Company logo.
Against the backdrop of economic uncertainty and challenges in 2018, bank bjb was able to post a satisfactory
performance, continuing the positive performance of the past few years. This achievement has brought bank bjb closer
to its aspiration of becoming one of the top 10 national banks with excellent performance. At the same time, bank bjb
does not forget its mission to drive the regional economy, especially the economy of West Java. Various programs are
launched aiming to promote inclusive banking services in the community, as well as to support the micro, small and
medium enterprises (MSME). Through those program, bank bjb ceaselessly strives to empower local potential as part of
national development.
In running its business bank bjb can not be separated from various challenges that will be faced during the coming year.
In a customized road map, bank bjb remains consistent and committed to innovate in order to build a business with high
quality. This is done by accelerating growth through both organic and inorganic strategies as well as developing digital
banking. The combination is expected to address the increasingly sophisticated and complex banking challenges and
macroeconomic pressures sourced from the external and further strengthen the business network across all operational
areas in Indonesia.
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.
The Company recognizes that good corporate performance is not just a growth in revenue or operating profit, but more
than that, it must be balanced with quality performance. The Company considers that good and solid fundamentals will
ultimately support the growth of the Company’s targeted business performance, as set forth in the General Policy of the
Board of Directors as an annual work reference as well as the Company’s Vision and Mission which is the long-term reference.
Daftar Isi
Table Of Content
LAPORAN
01 Tema dan Arti Tema
Themes and Meaning of Themes DEWAN KOMISARIS
DAN DIREKSI
02 Kesinambungan Tema The Board of Commissioners Report &
Theme Continuity The Board of Directors Report
04 Daftar Isi
52 Laporan Dewan Komisaris
Table Of Content The Board of Commissioners Report
Brand Perusahaan
18 Ikhtisar Data Keuangan Penting 96 Company Brand
Financial Highlight
Bidang Usaha
18 Ikhtisar Keuangan dan Rasio Keuangan 98 Business Fields
Financial Highlights and Financial Ratios
Daftar Entitas Anak, Entitas Cucu, dan/ Analisis Posisi dalam Industri Perbankan
170 atau Entitas Asosiasi
219 Analysis of position inte banking industry
List Of Subsidiaries And / Or Related Subsidiaries
Tinjauan Operasional
Struktur Grup Perusahaan
222 Operational Overview
176 Company Group Structure
Kebijakan Strategi Bank Tahun 2019
Kronologi Penerbitan Saham
222 Bank Stategic Policy in 2019
177 Chronology of Sharelistings
Aspek Pemasaran
Kronologi Penerbitan dan/atau
230 Marketing Aspects
179 Pencatatan Efek Lainnya
Tinjauan Operasional per Segmen Usaha
Chronology of Issuance and/or Listing of Other Securities
246 Operational Overview per Business Segment
Kronologi Penerbitan dan/atau
179 Pencatatan Obligasi Kinerja Entitas Anak
Chronology of Bonds Issuance and/or Listing
320 Subsidiary Performance
707 Organ dan Komite di Bawah Direksi 885 Tanggung jawab Sosial terkait
Organs and Committees Under Operasional Yang Adil
The Board of Directors Social Responsibility Related to
Fair Operation
759 Remunerasi Dewan Komisaris dan Direksi
Remuneration for The Board of 892 Tanggung Jawab Sosial Perusahaan terkait
dengan lingkungan hidup
Commissioners and The Board of Directors
Corporate Social Responsibility
Sistem Pengendalian Internal related to the environment
785 Internal Control System
897 Tanggung Jawab Sosial Perusahaan terkait dengan
Ketenagakerjaan, kesehatan, dan keselamatan kerja
800 Perkara Penting
Corporate Social Responsibility Related to
Legal Cases
employment healt and safety.
809 Pemberian Dana Kegiatan Sosial dan/atau Politik
Tanggung Jawab Sosial Perusahaan terkait dengan
Social/Political Activity Funding 906 tanggung jawab kepada konsumen
Corporate Social Responsibility related to consumer
810 Akses Informasi dan Data Perusahaan
Responsibilities
Access to Company Information and Data
820 Program Anti Korupsi 913 Tanggung Jawab Sosial Perusahaan terkait dengan
Anti-Corruption Program pengembangan sosial dan kemasyarakatan
Corporate Social responsibility related to community
Kode Etik ,social development
820
Code of Ethics
REFERENSI POJK DAN
823 Kebijakan Gratifikasi
KRITERIA ARA
Gratification Policy
Reference to Regulations of Financial Service Authority
825 Whistleblowing System (POJK) and Annual Report Award (ARA) Criteria
Whistleblowing System
952 Referensi ASEAN Corporate Governance Scorecard
841 Kebijakan Keberagaman Reference to ASEAN Corporate Governance Scorecard
Dewan Komisaris dan Direksi
Diversity Policy of the Board of Commissioners
and Board of Directors INFORMASI KEUANGAN
Financial Information
844 Good Corporate Governance Assessment
Good Corporate Governance Assessment
863 Pernyataan Pelaksanaan Prinsip-Prinsip
Tata Kelola yang Baik
Statement of Good Governance Principles
Implementation
Saham Seri A
Pemerintah Provinsi Jawa Barat (38,18%);
Pemerintah Provinsi Banten (5,29%);
Pemerintah Kota dan Kabupaten
Se-Jawa Barat (24,03%);
Pemerintah Kota dan Kabupaten
Se-Banten (7,87%);
Saham Seri B
Publik (24,64%).
Share Series A
West Java Provincial Government (38.18%);
Banten Provincial Government (5.29%);
City and Regency Governments in West Java (24.03%);
City and Regency Governmence in Banten (7.87%);
Share Series B
Publik (24.64%).
Consumer Banking;
Micro and Small Business;
Commercial Banking;
Treasury;
International Banking;
e-channel
Consumer Banking;
Micro and Small Business;
Commercial Banking;
Treasury;
International Banking;
e-channel
Jejak Langkah
Milestone
2009 2007
idAA-.
• Pemisahan (spin off) Unit
Usaha Syariah.
• Sebutan “Bank Jabar Banten” Menerbitkan Obligasi VI.
Nama Perseroan berubah
2010
• Spin off of Sharia Business Unit. Menerbitkan Obligasi VII. Jabar Banten”.
• “Bank Jabar Banten” was of Issued Bond VII.
cially changed to “bank bjb”.
• Listed its initial public offering
(IPO) in Indonesia Stock
Exchange (BEI).
Rebranding layanan nasabah
2012
2015
2000 1999
Menjadi Bank Pembangunan Daerah pertama di Indonesia Berubah dari Perusahaan Daerah
yang menjalankan dual banking system, yaitu memberikan (PD) menjadi Perseroan Terbatas (PT).
layanan perbankan dengan sistem konvensional dan dengan
Legal Status of Bank Jabar changed
sistem syariah.
from Regional-Owned Company (PD)
Became the rst Regional Development Bank in Indonesia that into a limited liability Company (PT).
implemented dual banking system, to provide banking services
with conventional system and sharia system.
2018 2019
• Rebranding bjb University, sebagai
• Meluncurkan kartu debit Center of Learning Organization
VISA bank bjb. bagi insan bjb. - Di tahun 2019, bank bjb
• 7 tahun melantai di bursa. • Terbitkan PUB I tahap 2 obligasi menerbitkan Obligasi
• bank bjb melayani bank bjb. Berkelanjutan I bank bjb
pembayaran Samsat online • Launching bjb Mesra (Masyarakat tahap III tahun 2019.
nasional. Ekonomi Sejahtera).
• Soft Launching Samsat J’bret. - Menjadi Bank Pembangunan
• Total aset bank bjb tembus
Daerah (BPD) pertama
Rp108,4 T. • Rebranding bjb University, as a yang ditunjuk menjadi bank
• PUB 1 TAHAP 1 Obligasi dan Center of Learning Organization for administrator Rekening
Obligasi subordinasi bank bjb people. Dana Nasabah (RDN)
bjb. • Issue Phase 2 of Bank Indonesia periode 2019-2024 oleh
• Launches a bank bjb VISA PUB I bjb bonds. PT Kustodian Sentral Efek
debit card. • Launching bjb Mesra (Prosperous Indonesia (KSEI).
• 7 years on the stock exchange. Economic Community).
• Soft Launching of Samsat J’bret. - In 2019, the Company issued
• bjb bank serves the national
Sustainable Bonds I bank
online payment of Samsat.
bjb Phase III of Year 2019.
• Total bank assets bjb
translucent idr108.4 T. - Becoming the first Regional
• PUB 1 Phase 1 Bonds and Development Bank (BPD) to
bank subordinated bonds become the administrator
bjb. of the Customer Fund
Account (RDN) 2019-2024
by PT Kustodian Sentral Efek
Indonesia (KSEI).
Keunggulan Kami
Our Advantages
SDM UNGGUL
EXCELLENT HUMAN CAPITALS
BASIS NASABAH BESAR Perseroan didukung oleh sumber daya manusia unggul
yang menjadi “Strategic Business Partner”, sehingga menjamin
HUGE NUMBER OF CUSTOMER BASE kinerja usaha yang berkelanjutan. Terkait dengan hal itu,
Perseroan memiliki basis nasabah yang loyal dalam jumlah sangat besar, yaitu Perseroan telah menerapkan konsep pengelolaan human
aparatur sipil negara (ASN), pensiunan dan masyarakat lokal, terutama di capital dengan berfokus pada 5 (lima) poin berikut ini:
wilayah Jawa Barat dan Banten. Kredit Konsumer didominasi oleh Kredit Guna • Talent Management
Bhakti (KGB) yang merupakan fasilitas kredit untuk debitur berpenghasilan tetap • Great Leaders
dengan tujuan penggunaan konsumtif multiguna yang diperuntukkan bagi ASN, • Career Management
pegawai BUMN/BUMD, pegawai lembaga negara atau instansi pemerintah non • Performance Management System
PNS, anggota TNI/POLRI, pegawai swasta atau yayasan, kepala dan wakil kepala • Learning & Development
daerah, anggota dewan, perangkat desa dan lain. Total kredit KGB sebesar Pengakuan pihak eksternal terkait SDM Unggul terlihat
69,31% dari total kredit Konsumer. dengan diperolehnya penghargaan The Best Human Capital
for Bank untuk Kategori Public Company dengan Aset Rp50
The Company has a very large number of loyal customer bases, namely the state triliun sampai dengan kurang dari Rp100 triliun.
civil apparatus (ASN), retirees and local communities, especially in the West Java and
Banten regions. Consumer Consumer Credit is dominated by Kredit Guna Bhakti The Company is supported by superior human resources
(KGB) which is a credit facility for fixed income borrowers with the purpose of using who become “Strategic Business Partners”, thereby ensuring
multipurpose consumption intended for ASN, employees of BUMN/BUMD, employees sustainable business performance. In this regard, the Company
of state institutions or non-PNS government agencies, members of the TNI/POLRI, has applied the concept of human capital management by
private employees or foundations, heads and deputy regional heads, councilors, focusing on the following 5 (five) points:
village officials and others. Total KGB loans amounted to 69.31% of total Consumer • Talent Management
loans. • Great Leaders
• Career Management
Tabel Komposisi Portofolio Kredit Berdasarkan Produk (dalam Rupiah Penuh)
Table of Credit Portfolio Composition by Product (in Full I) • Performance Management System
• Learning & Development
Number
Outstanding
Komposisi /
of Account
Komposisi / Recognition of external parties related to Superior HR can be
Produk / Product Composition Composition seen with the award of The Best Human Capital for the Bank for
(NoA)
the Public Company Category with Assets of IDR50 trillion to less
(Rp) (%) (Account) (%)
than IDR100 trillion.
bjb Kredit Guna 39,484,193,134,743 69.31% 339,207 74.76%
Bakti (KGB)
bjb Kredit Pra 10,859,282,470,894 19.06% 64,487 14.21%
Purna Bhakti
(KPPB)
bjb Kredit Purna 5,271,057,159,571 9.25% 43,035 9.48%
Bhakti (KPB)
bjb Kredit Abdi 997,055,091,495 1.75% 5,574 1.23%
Bhakti (KAB)
bjb Back to Back 281,666,246,712 0.49% 531 0.12%
Loan (BTB)
An Organik 60,451,577,555 0.11% 854 0.19%
bjb Kredit Usaha 8,822,038,974 0.02% 53 0.01%
Bhakti (KUB)
Kredit Lainnya / 14,949,941 0.00% 6 0.00%
Other Credit PENGGERAK PASAR MODAL
TOTAL 56,962,542,669,885 100.00% 453,747 100.00% Perseroan sudah go public dan
memperdagangkan sahamnya di Bursa
Efek Indonesia.
Pencapaian Kinerja
Performance Highlight
PENDAPATAN BUNGA
DAN SYARIAH
INTEREST AND SHARIA LABA TAHUN
INCOME BERJALAN
Meningkat
1,49% CURRENT YEAR PROFIT
0,8%
Increased by
Meningkat
Menjadi Rp12,09 Triliun Increased by
to IDR12.09 trillion
Menjadi Rp1,6 triliun
to IDR1.6 trillion
JUMLAH ASET
TOTAL ASSET
Meningkat
Increased by 2,8%
Menjadi Rp123,5 triliun
to IDR123.5 trillion
KINERJA
KEUANGAN
FINANCIAL
PERFORMANCE
EKUITAS
EQUITY
Meningkat
Increased by 6,71%
Menjadi Rp12,04 triliun
to IDR12.04 trillion
Best All Criteria dalam ajang Top BUMD of The Best Human Capital For Bank – Public
The Year 2019 yang diselenggarakan oleh Company Asset Rp50T - < Rp100T dalam
Top Business. ajang Human Capital Award - V – 2019
yang diselenggarakan oleh Economic
Best All Criteria in the Top BUMD of The Year
Review.
2019 organized by Top Business
The Best Human Capital For Banks - Public
Company Asset Rp50T - <Rp100T in Human
BUMD Terbaik ke-1 Kategori BPD Aset Capital Award - V - 2019 event held by the
Rp100 Triliun ke Atas yang diberikan oleh Economic Review.
The Asian Post.
The 1st Champion of Indonesia Original
1st Best BUMD Asset BPD Category Rp100
Brand 2019 Product Category: Local
Trillion to the Top given by The Asian Post.
Bank dalam ajang Champion of Indonesia
Original Brand 2019 yang diselenggarakan
Bank Berpredikat “Sangat Bagus” atas oleh Majalah SWA.
Kinerja Keuangan selama 2018 dalam ajang The 1st Champion of Indonesia Original
Infobank Award yang diselenggarakan Brand 2019 Product Category: Local Bank
oleh Infobank. in the Champion of Indonesia event 2019
“Very Good” predicate bank above Financial Original Brand was held by SWA Magazine.
Performance during 2018 in the event
Infobank Award organized by Infobank.
Bank Berpredikat “Sehat” Kategori Buku 3
dengan Aset di atas 100 Triliun dalam ajang
Top 50 Big Capitalization Public Listed Indonesia Best Rank Award 2019 yang
Company dalam ajang The 11th IICD yang diselenggarakan oleh Warta Ekonomi.
diselenggarakan oleh IICD.
The Bank is predicated as “Healthy” Book
Top 50 Big Capitalization Public Listed Category 3 with assets above 100 trillion
Company in The 11th IICD event hosted by in Indonesia Best Rank Award 2019 event
IICD. organized by Warta Ekonomi.
Gold Rank dalam ajang Asia Sustainibility The Best Financial Performance Bank
Reporting Rating 2019 yang Bank Pembangunan Daerah dalam ajang
diselenggarakan oleh National Center for Tempo Financial Business Award yang
Sustainibility Reporting. diselenggarakan oleh Tempo Media Grup.
Gold Rank in the Asia Sustainability event The Best Financial Performance Bank
2019 Reporting Rating held by the National Regional Development Bank in the event
Center for Sustainability Reporting. Tempo Financial Business Award which
hosted by Tempo Media Group.
The Best Performing Bank 2019 Based on Financial Performance 2017 -2019 Category Core Capital
Rp5 Trillion to under Rp30 Trillion (Buku 3) dalam ajang Top 20 Financial Institutions 2019 Awards yang
diselenggarakan oleh The Finance.
The Best Performing Bank 2019 Based on Financial Performance 2017 -2019 Category Core Capital IDR 5
Trillion to under Rp30 Trillion (Book 3) in the Top 20 Financial Institutions 2019 Awards held by The Finance.
Surplus dari revaluasi aset tetap 2,020,781 1,933,791 1,709,113 1,592,653 - Revaluation surplus of fixed assets
Keuntungan (kerugian) dan
perubahan nilai aset keuangan Benefit (loss) and value changes of
(1,514) - - - -
dalam kelompok tersedia untuk financial asset in available-for-sale
dijual
Pengukuran kembali program
Re-measurement of defined benefit
imbalan pasti - setelah pajak (179,115) (170,839) (174,885) (141,967) (135,945)
plan - net of deferred tax
tangguhan
Saldo Laba Retained Profit
Telah ditentukan penggunaanya 3,725,378 5,043,407 4,326,234 3,620,012 3,070,463 Appropriated
Belum ditentukan penggunaanya 2,909,072 911,978 956,477 1,313,633 1,530,866 Unappropriated
Total Ekuitas yang dapat Total Equity attributable to the
11,992,840 11,236,575 10,064,435 9,631,827 7,712,218
diatribusikan kepada entitas induk parent entity
Kepentingan non-pengendali 49,789 48,740 40,540 42,401 44,338 Non-controlling interests
TOTAL EKUITAS 12,042,629 11,285,315 10,104,975 9,674,228 7,757,218 TOTAL EQUITY
TOTAL LIABILITAS, DANA SYIRKAH TOTAL LIALIBILITY, TEMPORARY
TEMPORER DAN EKUITAS 123,536,474 120,191,387 114,980,168 102,318,457 88,697,430 SYIRKAH FUND AND
KONSOLIDASIAN CONSOLIDATED EQUITY
PROFIT AND LOSS STATEMENT
LAPORAN LABA RUGI DAN PENGHASILAN
AND OTHER CONSOLIDATED
KOMPREHENSIF LAIN KONSOLIDASIAN
COMPREHENSIVE INCOME
Return on Asset (ROA) 1.68 1.71 2.01 2.22 2.04 Return on Asset (ROA)
Return on Equity (ROE) 16.51 18.31 20.05 21.81 23.05 Return on Equity (ROE)
Net Interest Margin (NIM) 5.75 6.38 6.76 7.40 6.32 Net Interest Margin (NIM)
Biaya Operasional terhadap Operating Costs to Operating
84.23 84.22 82.25 82.70 83.31
Pendapatan Operasional (BOPO) Income
Loan to Deposit Ratio (LDR) 97.81 91.89 87.27 86.70 88.13 Loan to Deposit Ratio (LDR)
RASIO KINERJA PERFORMANCE RATIO
Kewajiban Penyediaan Modal
17.71 18.63 18.77 18.43 16.21 Capital Adequacy Ratio
Minimum (KPMM)
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.
Note to report readers: The tables and graphs in this report present numerical data with the English standard, while numerical exposure in the text uses English and Indonesian standards
according to the context.
Pinjaman Loan
Tabel Kinerja Operasional Pinjaman
Table of Loan Operational Performance dalam jutaan Rupiah
in millions IDR
Tabel Penempatan Dana Pada Bank Lain - Surat Berharga Obligasi Bank investasi
Table of Fund Allocation in Other Banks - Investment Bank Bond Securities
dalam jutaan Rupiah
in millions IDR
Tabel Penempatan Dana Pada Bank Lain - Surat Berharga Obligasi non Bank investasi
Table of Fund Allocation on Other Banks - Investment non-Bank Bond Securities
dalam jutaan Rupiah
in millions IDR
2019
Triwulan I / Quarter I 2,050 2,450 1,900 2,010 9,838,787,161 761,796,300 19,775,962
Triwulan II/Quarter II 2,030 2,080 1,740 1,690 9,838,787,161 701,685,300 16,627,550
Triwulan III/Quarter III 1,700 1,740 1,455 1,570 9,838,787,161 632,617,800 15,446,896
Triwulan IV/Quarter IV 1,570 1,905 1,180 1,185 9,838,787,161 374,703.200 11,658,963
2018
Triwulan I/Quarter I 2,390 2,360 2,000 2,060 9,696,291,166 680,170,600 19,974,360
Triwulan II/Quarter II 2,110 2,150 2,010 2,090 9,696,291,166 619,939,000 20,265,249
Triwulan III/Quarter III 2,120 2,150 1,800 2,030 9,696,291,166 690,431,300 19,683,471
Triwulan IV/Quarter IV 2,030 2,130 1,765 2,050 9,838,787,161 782,398,400 19,877,397
2017
Triwulan I/Quarter I 3,390 3,170 2,020 2,020 9,696,291,166 784,486,400 19,586,508
Triwulan II/Quarter II 2,040 2,450 1,960 2,210 9,696,291,166 1,220,669,600 21,428,803
Triwulan III/Quarter III 2,210 2,840 1,980 2,600 9,696,291,166 1,420,560,800 25,210,357
Triwulan IV/Quarter IV 2,600 2,730 2,200 2,400 9,696,291,166 663,955,100 23,271,099
2016
Triwulan I/Quarter I 755 995 745 965 9,696,291,166 983,734,500 9,356,921
Triwulan II/Quarter II 895 1,140 880 1,125 9,696,291,166 716,445,600 10,908,328
Triwulan III/Quarter III 1,125 1,760 1,075 1,610 9,696,291,166 1,439,005,000 15,611,029
Triwulan IV/Quarter IV 1,620 3,510 1,385 3,390 9,696,291,166 2,035,640,200 33,870,427
2015
Triwulan I/Quarter I 730 1,100 730 1,000 9,696,291,166 1,103,043,000 9,696,291
Triwulan II/Quarter II 1,000 1,025 815 820 9,696,291,166 1,075,268,400 7,950,958
Triwulan III/Quarter III 825 875 565 615 9,696,291,166 398,930,700 5,963,218
Triwulan IV/Quarter IV 595 805 585 755 9,696,291,166 902,640,500 7,320,699
Harga Pembukaan, Penutupan Tertinggi, Penutupan Terendah, dan Penutupan Saham di setiap Triwulan (Rp)
Opening price, highest closing, lowest closing, and closing of shares in every quarter (IDR)
Dalam Rupiah
in IDR
2,450
2,390
2,150
2,360 2,110
2,090 2,150
2,120 2,130
2,050 2,080
2,060 2,050
2,030
2,030 2,010 2,030
2,000 2,010 1,905
1,800
1,765 1,900 1,740
1,740
1,700
1,690 1,570 1,570
1,455
1,185
1,180
Triwulan I Triwulan II Triwulan III Triwulan IV Triwulan I Triwulan II Triwulan III Triwulan IV
Quarter I Quarter II Quarter III Quarter Quarter I Quarter II QuarterIII Quarter IV
2018 2019
Harga Per Saham Penutupan (Rp) Harga Per Saham Pembukaan (Rp) Harga Per Saham Tertinggi (Rp) Harga Per Saham Tertendah (Rp)
Price Per Share Closing (IDR) Opening Price Per Share (IDR) Highest Price Per Share (IDR) Lowest Price Per Share (IDR)
30.000.000
2.500
25.000.000
2.000
20.000.000
1.500
15.000.000
1.000
10.000.000
500
5.000.000
0 0
01/2018 04/2018 07/2018 10/2018 01/2019 04/2019 07/2019 10/2019
Grafik Pergerakan Harga dan Volume Saham bank bjb Tahun 2019
Chart of bank bjb Price and Volume Movements in 2019
1 2 3 4 5 6 7 8 9 10
900.000.000 2.500
782.398.400
800.000.000 2.090
2.060 761.796.300
2.030
2.050
701.685.300 2.000
700.000.000 680.170.600 2.010
690.431.300
632.617.800
619.939.000
Volume Transaksi
600.000.000
1.690
1.570 1.500
500.000.000
1.185
400.000.000
374.703.200 1.000
300.000.000
200.000.000
500
100.000.000
2018 2019
0 0
25.000.000.000.000
20.000.000.000.000
15.000.000.000.000
10.000.000.000.000
01/2018 04/2018 07/2018 10/2018 01/2019 04/2019 07/2019 10/2019
Jumlah Pokok Obligasi yang diterbitkan adalah The Bond Principal Amount is IDR248,000,000,000
sebesar Rp248.000.000.000 (dua ratus empat (two hundred and forty eight billion Rupiah),
puluh delapan miliar Rupiah), yang terdiri dari 3 consisting of 3 (three) Series, namely Series A, Series
(tiga) Seri, yaitu Obligasi Seri A, Seri B, dan Seri C B, and Series C Bonds, each offered at 100% (one
yang masing-masing ditawarkan sebesar 100% hundred percent) of the total Principal Bonds.
(seratus persen) dari jumlah Pokok Obligasi. These bonds were issued without scrip, except
Obligasi ini diterbitkan tanpa warkat kecuali Jumbo Bond Certificates issued under the name
Sertifikat Jumbo Obligasi yang diterbitkan atas of PT Kustodian Sentral Efek Indonesia (“KSEI”).
nama PT Kustodian Sentral Efek Indonesia These bonds are guaranteed in full commitment
(“KSEI”). Obligasi ini dijamin secara kesanggupan with a principal amount of IDR248,000,000,000
penuh (full commitment) dengan jumlah pokok (two hundred and forty eight billion Rupiah) that
sebesar Rp248.000.000.000,- (dua ratus empat provides an option for the public to choose the
puluh delapan miliar Rupiah) yang memberikan desired Bond Series as follows:
pilihan bagi masyarakat untuk memilih Seri
Obligasi yang dikehendaki sebagai berikut:
Seri A : Jumlah Obligasi Seri A yang ditawarkan Series A : The total Series A bonds offered are
adalah sebesar Rp66.000.000.000,- IDR66,000,000,000 (sixty six billion
(enam puluh enam miliar Rupiah) Rupiah) with a fixed interest rate of
dengan tingkat bunga tetap sebesar 8.25% (eight point two five percent)
8,25% (delapan koma dua lima persen) per year, with a term of 3 (three) years
per tahun, berjangka waktu 3 (tiga) from the Issuance Date, which is due
tahun terhitung sejak Tanggal Emisi, on October 18, 2022. Bond payments
yang jatuh tempo pada tanggal 18 are made in full (bullet payment) at the
Oktober 2022. Pembayaran Obligasi due date.
dilakukan secara penuh (bullet payment)
pada saat tanggal jatuh tempo.
Seri B : Jumlah Obligasi Seri B yang ditawarkan Series B : The total Series B Bonds offered are
adalah sebesar Rp108.000.000.000,- IDR108,000,000,000 (one hundred
(seratus delapan miliar Rupiah)dengan eight billion Rupiah) with a fixed
tingkat bunga tetap sebesar 8,50% interest rate of 8.50 % (eight point five
(delapan koma lima nol persen) per zero percent) per year with a term of
tahun berjangka waktu 5 (lima) tahun 5 (five) years from the Issuance Date,
terhitung sejak Tanggal Emisi, yang which is due on October 18, 2024.
jatuh tempo pada tanggal 18 Oktober Bond payments are made in full (bullet
2024. Pembayaran Obligasi dilakukan payment) at the due date.
secara penuh (bullet payment) pada
saat tanggal jatuh tempo.
Seri C : Jumlah Obligasi Seri C yang ditawarkan Series C : The total Series C bonds offered are
adalah sebesar Rp74.000.000.000,- IDR74,000,000,000 (seventy four
(tujuh puluh empat miliar Rupiah) billion Rupiah) with a fixed interest
dengan tingkat bunga tetap sebesar rate of 8.75% (eight point seven five
8,75% (delapan koma tujuh lima percent) per year with a period of 7
persen) per tahun berjangka waktu 7 (seven) years from the Issuance Date,
(tujuh) tahun terhitung sejak Tanggal which is due on October 18, 2026.
Emisi, yang jatuh tempo pada tanggal Bond payments are made in full (bullet
18 Oktober 2026. Pembayaran Obligasi payment) at the due date.
dilakukan secara penuh (bullet payment)
pada saat tanggal jatuh tempo.
Tabel Obligasi
Table of Bonds
Jumlah Peringkat
Obligasi Tingkat Ranking
Tanggal
Tanggal Mata (juta) Harga Tanggal Jatuh Suku Status Ranking Wali
Efektif
No. Uraian Description Terbit Tenor Uang Number Penawaran Tempo Bunga Pembayaran Amanat
Effective
Issue Date Currency of Bonds Bid Price Maturity Date Interest Payment Status Trustee
Date
(million) Rates 2019 2018
1 Penawaran Sustainable Public 6 Desember 6 Desember 3 Tahun Rp 251,700 100% dari 6 Desember 7.50% Aktif idAA- idAA- PT Bank
Umum Offering I (PUB I) of 2017 2017 3 Years IDR junlah pokok 2020 (fixed) Active Mega
Berkelanjutan I Phase I 2017 Series December 6, December 6, obligasi December 6, Tbk
(PUB I) Obligasi A Bonds 2017 2017 100% of the 2020
Tahap I Tahun total principal
2017 Seri A
Jumlah Peringkat
Obligasi Tingkat Ranking
Tanggal
Tanggal Mata (juta) Harga Tanggal Jatuh Suku Status Ranking Wali
Efektif
No. Uraian Description Terbit Tenor Uang Number Penawaran Tempo Bunga Pembayaran Amanat
Effective
Issue Date Currency of Bonds Bid Price Maturity Date Interest Payment Status Trustee
Date
(million) Rates 2019 2018
2 Penawaran Sustainable Public 6 Desember 6 Desember 5 Tahun Rp 468,300 100% dari 6 Desember 8.15% Aktif idAA- idAA- PT Bank
Umum Offering I (PUB I) of 2017 2017 5 Years junlah pokok 2022 (fixed) Active Mega
Berkelanjutan I Phase I 2017 Series December 6, December 6, obligasi December 6, Tbk
(PUB I) Obligasi B Bonds 2017 2017 100% of the 2022
Tahap I Tahun total principal
2017 Seri B
3 Penawaran Sustainable Public 6 Desember 6 Desember 7 Tahun Rp 780,000 100% dari 6 Desember 8.85% Aktif idAA- idAA- PT Bank
Umum Offering I (PUB I) 2017 2017 7 Years junlah pokok 2024 (fixed) Active Mega
Berkelanjutan I of Phase I 2017 December 6, December 6, obligasi December 6, Tbk
(PUB I) Obligasi Bonds 2017 2017 100% of the 2024
Tahap I Tahun Series C total principal
2017
Seri C
4 Penawaran Sustainable Public 6 Desember 6 Desember 5 Tahun Rp 307,000 100% dari 6 Desember 9.60% Aktif idA idA PT Bank
Umum Offering I (PUB I) of 2017 2017 5 Years junlah pokok 2022 (fixed) Active Mega
Berkelanjutan I Phase I 2017 Series December 6, December 6, obligasi December 6, Tbk
(PUB I) Obligasi A Subordinated 2017 2017 100% of the 2022
Subordinasi Bonds total principal
Tahap I Tahun
2017 Seri A
5 Penawaran Sustainable Public 6 Desember 6 Desember 7 Tahun Rp 693,000 100% dari 6 Desember 9.90% Aktif idA idA PT Bank
Umum Offering I (PUB I) of 2017 2017 7 Years junlah pokok 2024 (fixed) Active Mega
Berkelanjutan I Phase I 2017 Series December 6, December 6, obligasi December 6, Tbk
(PUB I) Obligasi B Subordinated 2017 2017 100% of the 2024
Subordinasi total principal
Tahap I Tahun
2017 Seri B
6 Obligasi Bank I Sustainable 28 September 28 September 3 Tahun Rp 835.500 100% dari 28 September 9% (fixed) Aktif IdAA- IdAA- PT Bank
Berkelanjutan I Bonds bjb Phase II 2018 2018 3 Years junlah pokok 2021 Active Mega
bank bjb Tahap II of Year 2018 September 28, September 28, obligasi December 28, Tbk
Tahun 2018 Series A 2018 2018 100% of the 2021
Seri A total principal
7 Obligasi Bank I Sustainable 28 September 28 September 5 Tahun Rp 916.500 100% dari 28 September 9.5% Aktif IdAA- IdAA- PT Bank
Berkelanjutan I Bonds bank bjb 2018 2018 5 Years junlah pokok 2023 (fixed) Active Mega
bank bjb Tahap II Phase II of Year September 28, September 28, obligasi September 28, Tbk
Tahun 2018 2018 2018 2018 100% of the 2023
Seri B Series B total principal
8 Obligasi Bank I Sustainable 18 Oktober 21 Oktober 3 Tahun Rp 66.000 100% dari 18 Oktober 8.25% Aktif IdAA- - PT Bank
Berkelanjutan I Bonds bank bjb 2019 2019 3 Years junlah pokok 2022 Active Mega
bank bjb Tahap Phase III of Year October 18, October 21, obligasi October 18, Tbk
III Tahun 2019 2019 2019 2019 100% of the 2022
Seri A Series A total principal
9 Obligasi Bank I Sustainable 18 Oktober 21 Oktober 5 Tahun Rp 108.000 100% dari 18 Oktober 8.50% Aktif IdAA- - PT Bank
Berkelanjutan I Bonds bank bjb 2019 2019 5 Years junlah pokok 2024 Active Mega
bank bjb Tahap Phase III of Year October 18, October 21, obligasi October 18, Tbk
III Tahun 2019 2019 2019 2019 100% of the 2024
Seri B Series B total principal
10 Obligasi Bank I Sustainable 18 Oktober 21 Oktober 7 Tahun Rp 74.000 100% dari 18 Oktober 8.75% Aktif IdAA- - PT Bank
Berkelanjutan I Bonds bank bjb 2019 2019 7 Years junlah pokok 2026 Active Mega
bank bjb Tahap Phase III of Year October 18, October 21, obligasi October 18, Tbk
III Tahun 2019 2019 2019 2019 100% of the 2026
Seri C Series C total principal
Tingkat
Jumlah Peringkat
Mata Tanggal Jatuh Suku Status Wali
Tanggal Terbit Tanggal Efektif (juta) Ranking
No. Uraian Description Tenor Uang Tempo Bunga Pembayaran Amanat
Issue Date Effective Date Total
Currency Maturity Date Interest Payment status Trustee
(million
Rates 2019 2018
1. NCD III A NCD III A bank 28 Maret 2018 28 Maret 2018 373
5 April 2019 Aktif
bank bjb bjb Year 2018 March 28, 2018 March 28, 2018 hari IDR 240,000,000,000 6.30% - - -
April 5, 2019 Active
Tahun 2018 days
2. NCD III B NCD III B bank 28 Maret 2018 28 Maret 2018 1.094
26 Maret 2021 Aktif
bank bjb bjb Year 2018 March 28, 2018 March 28, 2018 hari IDR 110,000,000,000 7.50% - - -
March 26, 2021 Active
Tahun 2018 days
3. Term Loan I Term Loan I 29 Maret 2018 29 Maret 2018 2 tahun 27 Maret 2020 JIBOR 3M Aktif
IDR 2,000,000,000,000 - - -
March 29, 2018 March 29, 2018 Years March 27, 2020 + 1.5% Active
4 Term Loan II Term Loan II 7 Juni 2018 7 Juni 2018 3 tahun 7 Juni 2021 Aktif
IDR 1,500,000,000,000 7.80% - - -
June 7, 2018 June 7, 2018 Years June 7, 2021 Active
5 Term Loan III Term Loan III 31 Oktober 2018 31 Oktober 2018 3 tahun 15 Oktober 2021 Aktif
IDR 220,000,000,000 9.10% - - -
October 31, 2018 October 31, 2018 Years October 15, 2021 Active
6 Term Loan IV Term Loan IV 16 November 2018 16 November 2018 2 tahun 16 Oktober 2020 JIBOR 3M Aktif
IDR 2,000,000,000,000 - - -
November 16, 2018 November 16, 2018 Years October 16, 2020 + 1.25% Active
1 Rahmi Sari Marina Maybank Kim Eng Buy 1,450 13 Februari 2020
February 13, 2020
2 Ghibran Al Imran RHB Research Sell 1,400 5 Februari 2020
February 5, 2020
3 Prasetya Gunadi Bahana Securities Hold 1,500 13 Desember 2019
December 13, 2019
4 Tirta Ng BCA Sekuritas Buy 1,750 11 Desember 2019
December 11, 2019
5 Yap Swie Cu Yuanta Securities Indonesia Hold 1,725 1 November 2019
November 1, 2019
6 Andri Ngaserin Credit Suisse Underperform 1,600 9 Oktober 2019
October 9, 2019
7 Raymond Kosasih Deutsche Bank Sell 1,400 28 Agustus 2019
August 28, 2019
8 Priscilla Thany Mandiri Sekuritas PT Neutral 1,900 1 April 2019
April 1, 2019
JANUARI JANUARY
FEBRUARI FEBRUARY
MARET MARCH
8 Maret / March, 8
Sosialisasi Peningkatan Inklusi Keuangan dan Penandatanganan MoU dengan Pemerintah Daerah Kabupaten Pangandaran tentang
Peningkatan Pembangunan dan Pemberdayaan Perekonomian Masyarakat Desa Melalui Fasilitas Perbankan.
The Socialization of Increasing Financial Inclusion and the Signing of the MoU with the Regional Government of Pangandaran Regency on Increasing
Development and Empowering the Economy of the Village Communities through Banking Facilities.
19 Maret / March, 19
Pemerintah Kota Batam bersama bank bjb berkolaborasi dalam Layanan Pembayaran Daerah khususnya Pajak Bumi dan Bangunan
Pedesaan dan Perkotaan (PBB P2) secara elektronik.
Batam City Government with bank bjb collaborate in Regional Payment Service especially Rural and Urban Land and Building Taxes (PPB P2)
electronically.
APRIL APRIL
10 April / April, 10
Perjanjian Kerjasama dengan Kamar Dagang Industri Jawa Barat (KADIN Jabar).
West Java Chamber of Commerce and Industry (KADIN Jabar).
15 April / April, 15
11 April / April, 11
Launching program bank bjb Tandamata umrah.
Launching Samsat Online Nasional
Launching bank bjb Tandamata Umrah program.
Launching of National Samsat Online
15 April / April, 15
Launching Mobile Puskesmas (Mpus).
Launching of Mobile Puskesmas (Mpus).
26 April / April, 26
22 April / April, 22
Analysis Meeting Q1 - 2019
Festival Literasi 2019 “Habis Gelap Terbitlah Terang”. Analysis Meeting Q1 - 2019
Literation Festival “Habis Gelap Terbitlah Terang” (After Darkness, Light is Born).
MEI MAY
JUNI JUNE
Program nonton bareng nasabah bank bjb widescreen film Mendukung Program Pemerintah dengan Menerbitkan Kartu
Men in Black Internasional di Jakarta. Kredit Pemerintah.
Watch program with bank bjb widescreen movie customers Men in Support Government Program by Issuing Government Credit Card.
Black International in Jakarta.
JULI JULY
3 Juli / July, 3
200 Anak Ikuti Khitanan Massal
bank bjb.
200 Kids Participated in bank bjb
Mass Circumcision.
25 Juli / July, 25
Dengan terpilihnya jajaran manajemen baru, bank bjb Siap Hadapi Era Perbankan Digital.
With the election of a new management line, the bjb bank is Ready to Face the Digital Banking Era.
AGUSTUS AUGUST
SEPTEMBER SEPTEMBER
17 September / September, 17
Kerjasama E-Samsat Pemerintah
Provinsi Kepulauan Riau.
Cooperation in E-Samsat Riau Island
Provincial Government.
OKTOBER OCTOBER
9 Oktober / October, 9
MoU bank bjb dengan BRI / MoU between bank bjb and BRI.
NOVEMBER NOVEMBER
4 November / November, 4
West Java Festival 2019.
2019 West Java Festival.
28 November / November, 28
Sinergi bank bjb dengan Pemerintah Provinsi Banten Melalui bjb Pinjaman Daerah.
bank bjb synergy with Banten Provincial Government Through bjb Regional Loan.
28 November / November, 28
Platform Industri Keuangan Berkelanjutan di Indonesia Didukung 13 Bank Besar untuk
Dorong Pembiayaan Ramah Lingkungan dan Sosial.
Sustainable Financial Industry Platform in Indonesia is Supported by 13 Major Bank to
Encourage Environmental and Social Friendly Financing.
DESEMBER DECEMBER
9 Desember / December, 9
Sosialisasi iBanking Corporate.
Socialization of iBanking Corporate.
16 Desember / December, 16
Perjanjian Kerja Bersama Manajemen dan Sekar bank bjb.
Contractual Bargaining Agreement between bank bjb Management and Worker’s Union.
Digitalkan Pasar Baru melalui bjb Target FLPP bank bjb 2020. Bersama Meningkatkan Kesejahteraan
Pasar Ngadigi. bank bjb 2020 FLPP Target. Petani Dan UKM Untuk Ketahanan
Digitalizes New Market through bjb Pangan.
Pasar Ngadigi. Together Improving the Farmer and
SME’s Welfare For Food Security.
Farid Rahman
Komisaris Utama
Independen
Independent President
Commissioner
Pertama-tama marilah kita mengucapkan puji Let us first give thanks to the presence of Allah SWT,
syukur kehadirat Allah SWT, Tuhan Yang Maha the Almighty God because of His blessings and
Esa karena atas berkat rahmat dan karunia- grace, Company can record a good performance
Nya, Perseroan dapat mencatatkan kinerja in 2019.
yang baik di tahun 2019.
Selama tahun 2019 Dewan Komisaris telah During 2019, the Board of Commissioners
menjalankan tugas dan fungsinya yaitu carried out its duties and functions, namely to
melakukan pengawasan dan pemberian nasihat supervise and provide advice to the Directors
kepada Direksi dengan penuh tanggung jawab, with full responsibility, as mandated in the
sebagaimana diamanatkan dalam Anggaran Articles of Association and applicable laws and
Dasar dan peraturan perundangan yang regulations. In carrying out its duties, the Board
berlaku. Dalam menjalankan tugasnya, Dewan of Commissioners ensures that the Company has
Komisaris memastikan bahwa Perseroan telah carried out its operational activities in accordance
melaksanakan kegiatan operasionalnya sesuai with established business plans, as well as
dengan rencana bisnis yang telah ditetapkan, ensuring compliance with all applicable laws and
serta memastikan kepatuhan terhadap seluruh regulations.
peraturan dan perundang-undangan yang
berlaku.
Dewan Komisaris selalu berupaya untuk The Board of Commissioners always strives to
memastikan bahwa Perseroan telah dikelola ensure that the Company has been managed
secara profesional, sesuai dengan kepentingan professionally, in accordance with the interests of
pemegang saham dan pemangku kepentingan shareholders and other stakeholders. In carrying
lainnya. Dalam menjalankan perannya, Dewan out its role, the Board of Commissioners always
Komisaris senantiasa menjaga objektivitas maintains objectivity and independence. Therefore,
dan independensi. Oleh karena itu, Dewan the Board of Commissioners is not involved in
Komisaris tidak terlibat dalam pengambilan making operational decisions of the Company,
keputusan operasional Perseroan, kecuali hal- except for matters that are regulated and stipulated
hal yang diatur dan ditetapkan dalam Anggaran in the Articles of Association and legislation.
Dasar dan peraturan perundang-undangan.
Dewan Komisaris mengundang Direksi telah the Board of Commissioners Joint Meetings invited
dilaksanakan sebanyak 21 (dua puluh satu) the Directors to have been held 21 (twenty one)
kali dan Rapat Gabungan Direksi mengundang times and the Joint Board of Directors invited the
Dewan Komisaris sebanyak 4 (empat) kali. Board of Commissioners 4 (four) times.
kinerja Perseroan. Pada tahun 2019, rasio the Company . In 2019, bank bjb Non-Performing
Non-Performing Loan (NPL) bank bjb tercatat Loan (NPL) ratio stood at 1.58%, lower than Bank
sebesar 1,58%, lebih rendah dibandingkan BUKU III’s NPL ratio of 2.84% and the banking
rasio NPL Bank BUKU III sebesar 2,84% dan industry’s 2.77%. This proves that the problem
industri perbankan yang sebesar 2,77%. Hal loans controlled so that the quality of the loan
is maintained. Meanwhile the level of Company
ini membuktikan bahwa pinjaman bermasalah
liquidity as measured by a loan to deposit ratio
dapat terkendali sehingga kualitas pinjaman
(LDR) of 97.8%. This value is lower than Bank BUKU
tetap terjaga. Sementara itu tingkat likuiditas
III’s LDR of 102.06% and the banking industry which
Perseroan yang diukur melalui rasio pinjaman
is 93.50%, so it is evident that bank bjb liquidity is
terhadap dana pihak ketiga (Loan to Deposit maintained.
Ratio (LDR)) sebesar 97,8%. Nilai tersebut lebih
rendah dibandingkan LDR Bank BUKU III yang
sebesar 102,06%, sehingga terbukti bahwa
likuiditas bank bjb tetap terjaga.
Simpanan nasabah (Dana Pihak Ketiga) tahun Deposits from customers (Third Party Funds) in
2019 mencapai Rp89,351 triliun meningkat 2019 reached IDR89.351 trillion, an increase of
2,7% dibandingkan tahun 2018 yang mencapai 2.7% compared to 2018 which reached IDR87.003
Rp87,003 triliun. Sedangkan, kredit yang trillion. Meanwhile, loans granted in 2019 reached
IDR81,52 trillion, an increase of 8.7% compared to
diberikan tahun 2019 mencapai Rp81.52 triliun
2018 which reached IDR75,99 trillion. Profit for the
meningkat 8,7% dibandingkan tahun 2018 yang
year 2019 reached IDR1,564 trillion, an increase of
mencapai Rp75.99 triliun. Laba tahun berjalan
0.8% compared to 2018 which reached IDR1,552
tahun 2019 mencapai Rp1.564 triliun meningkat trillion.
0,8% dibandingkan tahun 2018 yang mencapai
Rp1.552 triliun.
Peringkat Komposit Tingkat Kesehatan The Company Composite Rating for the position
Perseroan posisi 31 Desember 2019 berada of December 31, 2019 is ranked 2 (two). The
pada peringkat 2 (dua). Kondisi ini secara condition of bank bjb is generally sound, so it is
umum sehat, sehingga dinilai mampu considered capable of facing significant negative
menghadapi pengaruh negatif yang signifikan influences from changes in business conditions
dari perubahan kondisi bisnis dan faktor and other external factors. This is reflected in the
eksternal lainnya. Hal ini tercermin dari ranking of assessment factors including risk profile,
peringkat faktor penilaian antara lain profil implementation of governance, profitability, and
risiko, penerapan tata kelola, rentabilitas, dan generally good capital. In the event that there are
permodalan yang secara umum baik. Dalam weaknesses, in general these weaknesses are less
hal terdapat kelemahan, maka secara umum significant.
kelemahan tersebut kurang signifikan.
Dewan Komisaris akan terus membangun The Board of Commissioners will continue to
nilai dan budaya perusahaan berdasarkan build corporate values and culture based on
prinsip-prinsip tata kelola perusahaan yang the principles of sound corporate governance.
sehat. Keberhasilan Perseroan di tahun 2019 The success of Company in 2019 is inseparable
tidak terlepas dari dukungan para pemegang from the support of shareholders, customer trust,
saham, kepercayaan nasabah, dukungan dari support from the OJK and other stakeholders and
OJK serta pemangku kepentingan lainnya dan hard work from all levels of the bank bjb.
kerja keras dari seluruh jajaran bank bjb.
Meskipun perekomian global diprediksi Even though the global economy is predicted to
tumbuh melambat, tetapi tidak demikian slow down, this is not the case with the Indonesian
dengan perekonomian Indonesia di tahun economy in 2020. The government is optimistic that
2020. Pemerintah optimis memproyeksikan projecting opportunities for Indonesia’s economic
peluang pertumbuhan ekonomi Indonesia growth will not be too different from 2019. Taking
tidak akan terlalu jauh berbeda dengan tahun into account the economic conditions, Company
2019. Dengan mempertimbangkan kondisi is optimistic that the bank’s business prospects
perekonomian tersebut, Perseroan optimis will improve in next year. The formulation of the
bahwa prospek usaha Bank akan semakin strategic direction has considered two factors,
membaik di tahun depan. Penyusunan namely organic growth by enlarging the core
arah strategi telah mempertimbangkan dua business of non-organically through several
faktor, yaitu pertumbuhan organik dengan corporate actions aimed at accelerating growth.
memperbesar core business Perseroan dan
secara non-organik melalui beberapa aksi
korporasi yang bertujuan untuk mempercepat
pertumbuhan Perseroan.
Melihat prospek usaha tersebut serta efektifnya Seeing the business prospects and the effectiveness
strategi usaha yang telah ditetapkan oleh of the business strategies set by the Directors,
Direksi, Dewan Komisaris berkeyakinan bahwa the Board of Commissioners believes that the
Perseroan akan dapat memanfaatkan peluang Company will be able to take advantage of the
yang ada. Hal tersebut diperkuat dengan opportunities that exist. This was reinforced by the
penerapan strategi dalam rangka meningkatkan implementation of strategies in order to improve
sinergi bisnis dengan Perusahaan Anak. Sinergi business synergy with subsidiaries. The business
bisnis tersebut akan mendorong peningkatan synergy will encourage an increase in the value of
nilai Perseroan secara keseluruhan. the whole Company bank.
Dalam rangka evaluasi penerapan GCG, Bank In the context of evaluating the application of
melaksanakan self-assessment yang dilaksanakan GCG, the Bank carries out a self-assessment that
secara periodik dan konsisten setiap semester is carried out periodically and consistently every
sesuai ketentuan yang berlaku, diantaranya yaitu semester according to applicable regulations,
POJK No. 55/POJK.03/2016 Tentang Penerapan including POJK No. 55 / POJK.03 / 2016 Regarding
Tata Kelola Bagi Bank Umum. Dewan Komisaris the Implementation of Governance for Commercial
berpendapat bahwa Direksi telah menerapkan Banks. The Board of Commissioners is of the opinion
GCG dengan efektif dan konsisten di tahun that the Board of Directors has implemented GCG
2019 yang terlihat dari hasil pelaksanaan self effectively and consistently in 2019 as seen from
assessment di tahun 2019 menunjukkan nilai the results of the self-assessment in 2019 showing
komposit 2 yang mencerminkan Manajemen a composite value 2 that reflects that the Bank’s
Bank telah melakukan penerapan Good Management has generally implemented Good
Corporate Governance yang secara umum baik. Corporate Governance.
Dewan Komisaris dan Direksi bertanggung The Board of Commissioners and Directors are
jawab atas efektivitas penerapan Manajemen responsible for the effectiveness of the application
Risiko diantaranya melalui: of Risk Management including:
1. Menyetujui kebijakan Manajemen Risiko 1. Approve the Risk Management policies including
termasuk strategi dan kerangka Manajemen the Risk Management strategy and framework
Risiko yang ditetapkan sesuai dengan tingkat that are determined according to the level of
risiko yang diambil (risk appetite) dan toleransi risk taken (risk appetite) and risk tolerance.
risiko (risk tolerance).
2. Mengevaluasi kebijakan Manajemen Risiko 2. Evaluate the Risk Management policy and Risk
dan Strategi Manajemen Risiko paling Management Strategy at least once a year or
kurang satu kali dalam satu tahun atau in a more frequent frequency in the event that
dalam frekuensi yang lebih sering dalam there are changes in factors that significantly
hal terdapat perubahan faktor-faktor yang affect the Bank’s business activities.
mempengaruhi kegiatan usaha Bank secara
signifikan.
3. Mengevaluasi pertanggungjawaban Direksi 3. Evaluate the accountability of the Board
dan memberikan arahan perbaikan atas of Directors and provide direction for
pelaksanaan kebijakan Manajemen Risiko improvements to the implementation of Risk
secara berkala. Evaluasi dilakukan dalam Management policies on a regular basis. The
rangka memastikan bahwa Direksi telah evaluation is carried out in order to ensure
mengelola aktivitas dan risiko Bank secara that the Directors have effectively managed the
efektif. Bank’s activities and risks.
Pengawasan aktif Dewan Komisaris dilakukan Active supervision by the Board of Commissioners is
antara lain melalui persetujuan dan evaluasi carried out among others through the approval and
atas kebijakan manajemen risiko yang disusun evaluation of risk management policies prepared
oleh Direksi. Secara berkala Dewan Komisaris by the Directors. The Board of Commissioners
melakukan evaluasi pelaksanaan kebijakan periodically evaluates the implementation of
manajemen risiko melalui forum Rapat Dewan risk management policies through the Board of
Komisaris dan Direksi, maupun dalam rapat Commissioners and Board of Directors meetings,
Komite Pemantau Risiko. as well as in Risk Monitoring Committee meetings.
perseroan. Hal tersebut terlihat dari hasil self from the results of the Bank’s self-assessment
assessment profil risiko bank bjb setiap triwulan of bank bjb risk profile every quarter of 2019,
pada tahun 2019 adalah Low to Moderate dengan which is Low to Moderate with a stable risk trend
trend risiko stabil apabila dibandingkan dengan when compared to the previous year. This shows
tahun sebelumnya. Hal ini menunjukkan bahwa that Company is experiencing bank business
Perseroan mengalami perkembangan bisnis development accompanied by an increase in the
bank yang diiringi dengan peningkatan Kualitas Quality of Application of Risk Management in all of
Penerapan Manajemen Risiko dalam seluruh its operational activities.
aktivitas operasionalnya.
Pengelolaan WBS dilakukan oleh Unit Kerja Anti WBS management is carried out by the Anti-Fraud
Fraud yang berada pada Satuan Kerja Audit Work Unit which is in the Internal Audit Work Unit
Internal dengan berpedoman kepada Standar based on the Implementation of the Bank’s Internal
Pelaksanaan Fungsi Audit Internal Bank (SPFAIB). Audit Function Standard (SPFAIB). As of December
Sampai dengan Desember 2019, laporan tindak 2019, reports of violations received through WBS
pelanggaran yang diterima melalui WBS adalah were 16 (sixteen) complaints and have been
sebanyak 16 (enam belas) pengaduan dan telah followed up in accordance with the provisions.
ditindaklanjuti sesuai dengan ketentuan.
Dengan pengendalian internal yang baik With good internal control, it is expected to
diharapkan mampu mendukung pencapaian be able to support the achievement of targets
sasaran dan kinerja yang ditetapkan manajemen, and performance set by management, increase
menambah kepercayaan stakeholders, dan stakeholder confidence, and encourage compliance
mendorong kepatuhan pada ketentuan dan with applicable laws and regulations, as well
peraturan perundang-undangan yang berlaku, as minimize the risk of loss arising through an
serta meminimalisir risiko kerugian yang timbul accurate and adequate risk management process.
melalui proses pengelolaan risiko yang akurat
dan memadai.
Perseroan senantiasa melakukan evaluasi The Company always evaluates the implementation
atas pelaksanaan sistem pengendalian of the internal control system. Everything related to
internal. Segala sesuatu yang terkait dengan internal control adequacy issues has been reported
permasalahan kecukupan pengendalian to the Board of Directors to take follow-up steps
internal telah dilaporkan kepada Direksi untuk that can minimize risk. Reports are also submitted
diambil langkah-langkah tindak lanjut yang to the Board of Commissioners through the Audit
dapat meminimalkan risiko. Laporan juga Committee. The Board of Commissioners believes
disampaikan kepada Dewan Komisaris melalui that the Company has an adequate internal
Komite Audit. Dewan Komisaris berpendapat control system.
bahwa perseroan telah memiliki sistem
pengendalian internal yang memadai.
Komite Audit memiliki tugas dan tanggung The Audit Committee has the duty and responsibility
jawab untuk membantu Dewan Komisaris to assist the Board of Commissioners in overseeing
melakukan pengawasan atas efektivitas sistem the effectiveness of the internal control system,
pengendalian internal, internal audit dan internal audit and financial reporting processes.
proses pelaporan keuangan. Sepanjang tahun Throughout 2019, the Audit Committee has
2019, Komite Audit telah menjalankan tugas carried out its duties and responsibilities well. The
dan tanggungjawabnya dengan baik. Komite Audit Committee has conducted 23 (twenty three)
Audit telah melaksanakan rapat sebanyak 23 meetings and carried out its duties which include:
(dua puluh tiga) kali dan menjalankan tugasnya
yang antara lain:
1. Review dan pemantauan atas pelaksanaan 1. Reviewing and monitoring the implementation of
tugas Satuan Kerja Audit Internal (SKAI), the duties of the Internal Audit Work Unit (SKAI),
2. Review dan memberikan saran-saran 2. Review and provide suggestions for
penyempurnaan terhadap draft laporan improvements to the draft quarterly publication
publikasi triwulanan. report.
3. Evaluasi atas efektivitas pelaksanaan audit 3. Evaluate the effectiveness of external and
eksternal dan audit internal. internal audits.
4. Monitoring atas hasil tindak lanjut hasil audit 4. Monitoring the follow-up results of internal and
baik internal maupun eksternal. external audit results.
Komite Nominasi dan Remunerasi berfungsi The Nomination and Remuneration Committee
untuk membantu Dewan Komisaris dalam functions to assist the Board of Commissioners
melaksanakan fungsi dan tugasnya di in carrying out their functions and duties in the
bidang yang berkaitan dengan nominasi dan fields related to nomination and remuneration
remunerasi terhadap anggota Direksi dan for members of the Board of Directors and the
Dewan Komisaris. Sepanjang tahun 2019, Board of Commissioners. Throughout 2019, the
Komite Nominasi dan Remunerasi telah Nomination and Remuneration Committee has
menjalankan tugas dan tanggungjawabnya carried out its duties and responsibilities well. The
dengan baik. Komite Nominasi dan Remunerasi Nomination and Remuneration Committee has
telah melaksanakan rapat sebanyak 22 (dua
puluh dua) kali dan menjalankan tugasnya conducted 22 (twenty two) meetings and carried
yang antara lain: out its tasks which include:
1. Memberikan rekomendasi kepada Dewan 1. Provide recommendations to the Board of
Komisaris terkait nominasi calon Pengurus Commissioners regarding nomination of
bank pada RUPS Tahunan Tahun Buku candidates for bank Management at the Annual
2018. GMS for Fiscal Year 2018.
2. Memberikan rekomendasi kepada Dewan 2. Provide recommendations to the Board of
Komisaris terkait nominasi anggota Komite Commissioners regarding the nomination of
dari pihak independen. Committee members from independent parties.
3. Mengevaluasi dan memberikan 3. Evaluate and provide recommendations to
rekomendasi kepada Dewan Komisaris the Board of Commissioners regarding the
mengenai kebijakan remunerasi Pengurus remuneration policy of Management and
dan Pegawai. Employees.
Komite Pemantau Risiko berfungsi untuk The Risk Monitoring Committee functions to assist
membantu Dewan Komisaris dalam the Board of Commissioners in monitoring risks
memonitor risiko dan menilai toleransi risiko and assessing risk tolerance that can be taken
yang dapat diambil oleh Bank, mengevaluasi by the Bank, evaluating improvements made to
perbaikan yang dilakukan atas kebijakan, the Bank’s risk management policies, procedures
prosedur dan praktik manajemen risiko and practices to ensure that risk management
Bank guna memastikan telah dilakukannya has been carried out properly. Throughout 2019,
pengelolaan risiko dengan baik. Sepanjang the Risk Monitoring Committee has carried out its
tahun 2019, Komite Pemantau Risiko telah duties and responsibilities well. The Risk Monitoring
menjalankan tugas dan tanggungjawabnya Committee has conducted 8 (eight) meetings and
dengan baik. Komite Pemantau Risiko telah carried out its duties which include:
melaksanakan rapat sebanyak 8 (delapan) kali
dan menjalankan tugasnya yang antara lain:
1. Memantau Tingkat Kesehatan Bank. 1. Monitor Bank Soundness.
2. Mengevaluasi tingkat risiko melalui 2. Evaluate the level of risk through a review and
penelaahan dan pembahasan Laporan discussion of the Risk Profile Report.
Profil Risiko.
3. Mengevaluasi kecukupan pelaksanaan 3. Evaluate the adequacy of risk management
kebijakan manajemen risiko policy implementation
Komite Tata Kelola Terintegrasi berfungsi The Integrated Governance Committee functions to
untuk membantu Dewan Komisaris dalam assist the Board of Commissioners in implementing
pelaksanaan tata kelola terintegrasi bagi integrated governance for Financial Services
Lembaga Jasa Keuangan. Sepanjang tahun Institutions. Throughout 2019, the Integrated
2019, Komite Tata Kelola Terintegrasi telah Governance Committee has carried out its duties
menjalankan tugas dan tanggungjawabnya and responsibilities well.
dengan baik.
Komite Tata Kelola Terintegrasi telah The Integrated Governance Committee has
melaksanakan rapat sebanyak 7 (tujuh) kali conducted 7 (seven) meetings and carried out its
dan menjalankan tugasnya yang antara lain: tasks which include:
1. Melakukan pemantauan dan evaluasi 1. Monitor and evaluate the implementation of the
terhadap pelaksanaan tugas dan fungsi duties and functions of the Director who oversees
Direktur yang membawahkan fungsi the oversight function of the Financial Services
Pengawasan terhadap Lembaga Jasa Institution in the Financial Conglomerate.
Keuangan dalam Konglomerasi Keuangan.
2. Melakukan pemantauan dan evaluasi 2. Monitor and evaluate the implementation of the
terhadap pelaksanaan tugas dan fungsi dari duties and functions of the Integrated Internal
Satuan Kerja Audit Internal Terintegrasi, Audit Work Unit, Integrated Risk Management
Satuan Kerja Manajemen Risiko Terintegrasi Work Unit and Integrated Compliance Unit.
dan Satuan Kepatuhan Terintegrasi.
3. Melakukan pemantauan terhadap Kinerja 3. Monitor the performance and risk profile of
dan Profil Risiko dari perusahaan anak dan subsidiaries and related companies in financial
perusahaan terelasi dalam konglomerasi conglomerates.
keuangan.
4. Melakukan evaluasi atas Pembinaan Entitas 4. Evaluate the Main Entity Development of
Utama terhadap Tata Kelola Perusahaan Corporate Governance of subsidiaries and
anak dan perusahaan terelasi dalam related companies in financial conglomerate
konglomerasi keuangan bank bjb. bank bjb.
Sehingga Komposisi Dewan Komisaris setelah Therefore, the Composition of the Board of
RUPS Tahunan 2019 sebanyak 5 (lima) orang Commissioners after the 2019 Annual General
yang terdiri dari 1 (satu) orang Komisaris Utama Meeting of Shareholders is 5 (five) people consisting
Independen, 2 (dua) orang Komisaris dan 2 of 1 (one) Independent President Commissioner,
(dua) orang Komisaris Independen. Seluruh 2 (two) Commissioners, and 2 (two) Independent
Commissioners. All members of the Board of
anggota Dewan Komisaris berdomisili di wilayah
Commissioners are domiciled in the working area
kerja Kantor bank bjb. Komposisi dan dasar
of the bank bjb office. The composition and basis
pengangkatan Dewan Komisaris dapat dilihat
for appointment of the Board of Commissioners
pada tabel di bawah ini. can be seen in the table below.
Penutup Closing
Dewan Komisaris selalu mengedepankan We, the Board of Commissioners, will always
profesionalisme dan independensi dalam make efforts to be professional and independent
menjalankan tugas dan tanggung jawab agar in carrying out our supervisory and advisory
kinerja Perseroan bisa selalu meningkat di functions in order that the Company’s performance
masa yang akan datang. Dewan Komisaris can always increase in the future. We express
menyampaikan apresiasi dan terima kasih our appreciation and gratitude to the Board of
kepada Direksi serta seluruh jajaran manajemen Directors and the management under the BOD for
atas pencapaian usaha Perseroan di tahun presenting excellent performance and business in
2019. Kepada para pemangku kepentingan 2019. To the other stakeholders, we also express
lainnya, kami juga menyampaikan apresiasi our highest appreciation for the well-established
yang setinggi-tingginya atas kerjasama yang cooperation so that the management can carry
telah terjalin, sehingga manajemen dapat out business activities properly in the midst of
menjalankan kegiatan usaha dengan baik di challenging situations.
tengah situasi yang penuh tantangan.
Kepada para pemegang saham dan regulator, To the shareholders and regulators, we express
Dewan Komisaris menyampaikan rasa our deep respect for the trust and support of the
hormat yang mendalam atas kepercayaan bank’s management in carrying out its role in line
dan dukungan kepada Pengurus Bank dalam with its main duties and functions. Hopefully, our
menjalankan perannya sesuai tugas pokok dan words will be beneficial for the Company’s business
development in the future.
fungsinya. Semoga apa yang kami sampaikan
ini bermanfaat bagi perkembangan bisnis
perusahaan di masa yang akan datang.
Farid Rahman
Komisaris Utama Independen
Independent President Commissioner
1 Farid Rahman
Komisaris Utama
Independen
Independent President
Commissioner
2 Eddy I. M. Nasution
Komisaris
Commissioner
3 Muhadi
Komisaris
Commissioner
4 Fahlino F. Sjuib
Komisaris Independen
Independent Commissioner 2 1
5 Yayat Sutaryat
Komisaris Independen
Independent Commissioner
5 3 4
Laporan Direksi
The Board of Directors Report
Yuddy Renaldi
Direktur Utama
President Director
Para pemegang saham dan pemangku Dear our distinguished shareholders and
kepentingan lainnya, yang kami hormati, other stakeholders,
Puji syukur marilah kita panjatkan kehadirat Thank God, let us pray to the presence of God
Tuhan Yang Maha Esa yang melimpahkan Almighty who bestows His infinite mercy upon all of
rahmat-Nya yang tak terhingga kepada kita us, especially the success of the Company in facing
semua, terutama keberhasilan Perseroan dalam the challenges of the current economic conditions
menghadapi tantangan kondisi perekonomian that have not yet experienced significant recovery.
saat ini yang masih belum mengalami pemulihan The performance of the Company in 2019 has
secara signifikan. Kinerja Perseroan di tahun generally been in accordance with what has been
2019 secara umum telah sesuai dengan yang targeted.
telah ditargetkan.
Pada kesempatan yang baik ini izinkan kami On this good opportunity let us submit the
menyampaikan Laporan pengelolaan Perseroan Company’s management report for fiscal year
untuk tahun buku 2019. Berikut kami sampaikan 2019. Next we present an analysis of the Company’s
analisis kinerja perusahaan, analisis prospek performance, analysis of the Company’s prospects,
perusahaan, dan perkembangan penerapan and the development of the implementation of
tata kelola perusahaan. Pada laporan ini juga corporate governance. This report will also provide
akan disampaikan tentang penilaian kinerja an evaluation of the performance of committees
komite-komite di bawah Direksi dan perubahan under the Board of Directors and changes in the
komposisi Direksi di tahun 2019. composition of the Directors in 2019.
Kondisi perekonomian global yang melambat Slowing global economic conditions certainly have
tentu saja memberikan pengaruh pada kondisi an impact on the condition of the Indonesian
perekonomian Indonesia. Ekonomi Indonesia economy. Indonesia’s economy in 2019 grew
tahun 2019 tumbuh 5,02%, lebih rendah 5.02%, lower than the achievements in 2018 of
dibanding capaian tahun 2018 sebesar 5,17%. 5.17%. From the production side, the highest
Dari sisi produksi, pertumbuhan tertinggi growth was achieved by Other Services business
dicapai lapangan usaha Jasa Lainnya sebesar fields by 10.55%. In terms of expenditure, the
10,55%. Dari sisi pengeluaran, pertumbuhan highest growth was achieved by the Nonprofit
tertinggi dicapai oleh komponen Pengeluaran Consumption Expenditure component serving
Konsumsi Lembaga Nonprofit yang melayani Households (PK-LNPRT) by 10.62%..
Rumah Tangga (PK-LNPRT) sebesar 10,62%.
Pada kondisi perekonomian yang belum In economic conditions that have not yet
mengalami pemulihan yang signifikan, patut experienced a significant recovery, it is thankful
disyukuri bahwa industri perbankan masih that the banking industry still has sufficient liquidity
memiliki likuiditas yang cukup terjaga, meskipun maintained, although the banking intermediary
fungsi intermediasi perbankan terus menjadi function continues to be a concern. The stability
perhatian. Stabilitas sistem keuangan terjaga of the financial system is maintained as reflected
tercermin dari rasio kecukupan modal (Capital in the November 2019 capital adequacy ratio
Adequacy Ratio/CAR) perbankan November (CAR), which is high at 23.66%, and the ratio of
2019 yang tinggi yakni 23,66%, dan rasio kredit non-performing loans (NPL) which remains low
bermasalah (Non Performing Loan/NPL) yang at 2.77% (gross) or 1.24% (net). Although credit
tetap rendah yakni 2,77% (gross) atau 1,24% growth is not yet strong, it is still experiencing
(net). Meskipun pertumbuhan kredit belum an increase. In October credit growth of 6.53%
kuat, namun masih mengalami peningkatan. (YoY) increased slightly to 7.05% (YoY), which was
Pada bulan oktober pertumbuhan kredit influenced by seasonal patterns of credit demand
sebesar 6,53% (YoY) sedikit meningkat menjadi at the end of the year. Likewise, the growth of Third
7,05% (YoY) yang dipengaruhi pola musiman Party Funds (DPK) which is also not yet strong.
permintaan kredit akhir tahun. Begitu pula Growth in depositor funds slightly increased from
dengan pertumbuhan Dana Pihak Ketiga (DPK) October 2019 by 6.29% (YoY) to 6.72% (YoY) in
yang juga belum kuat. Pertumbuhan DPK sedikit November 2019. Overall, 2019 banking credit
mengalami kenaikan dari Oktober 2019 sebesar growth was 6.08% while deposits grew by 6.54%.
6,29% (YoY) menjadi 6,72% (YoY) pada November
2019. Secara keseluruhan, pertumbuhan kredit
perbankan 2019 sebesar 6,08% sedangkan
pertumbuhan DPK sebesar 6,54%.
Dalam kondisi pertumbuhan kredit yang agresif, In a condition of aggressive credit growth, the
Perseroan mampu mempertahankan nilai NPL Company was able to maintain a low NPL value
yang rendah bahkan menurun dibandingkan and even declined compared to the previous year.
tahun sebelumnya. Rasio Non-Performing Loan The Company’s gross Non-Performing Loan (NPL)
(NPL) gross Perseroan tahun 2019 sebesar ratio in 2019 was 1.58%, down compared to the
1,58% turun dibandingkan dengan tahun previous year of 1.65%.
sebelumnya yang sebesar 1,65%.
Di samping itu, kinerja Perseroan juga telah In addition, the performance of the Company
diapresiasi oleh pihak eksternal. Apresiasi has also been appreciated by external parties.
tersebut antara lain BUMD Terbaik ke-1 The appreciation included the 1st Best BUMD in
Kategori BPD Aset Rp100 Triliun ke Atas, the category of BPD of Assets of Rp100 Trillion
Bank Berpredikat “Sangat Bagus” atas Kinerja and Above, the Bank with the “Excellent” Award
Keuangan selama 2019, Bank Berpredikat for Financial Performance in 2018, the Bank with
“Sehat” Kategori Buku 3 dengan Aset di atas the “Sound” Category Book 3 with Assets above
100 Triliun, The Best Financial Performance 100 Trillion, The Best Financial Performance
Bank Bank Pembangunan Daerah dan The Bank of Regional Development Bank and The
Best Performing Bank 2019 Based on Financial Best Performing Bank 2019 Based on Financial
Performance 2017 -2019 Category Core Capital Performance 2017–2019 Category Core Capital
Rp5 Trillion to under Rp30 Trillion (Buku 3). Dapat Rp5 Trillion to under Rp30 Trillion (Book 3). We
kami sampaikan bahwa berbagai kesuksesan can say that the various successes achieved by the
yang dicapai Perseroan di atas menunjukkan Company above indicate that the business strategy
bahwa strategi bisnis yang dilaksanakan implemented by management is on the right track.
Manajemen telah berada pada jalur yang benar.
Dalam rangka mengatasi berbagai kendala In order to overcome these obstacles, the Company
tersebut, Perseroan telah menetapkan has established strategies through partnership
strategi-strategi melalui program kemitraan programs in the context of channeling People’s
dalam rangka penyaluran Kredit Usaha Rakyat Business Credit (KUR) as a solution to MSME
(KUR) sebagai solusi pembiayaan UMKM. financing. In order to improve HR capabilities, bjb
Dalam rangka peningkatan kapabilitas SDM, university e-learning has been developed which is in
telah dikembangkan e-learning bjb university line with business interests and the implementation
yang selaras dengan kepentingan bisnis dan of planned, adaptive and innovative learning
penyelenggaraan program pembelajaran yang programs for all bjb people.
terencana, adaptif dan inovatif kepada seluruh
insan bjb.
Sejalan dengan pertumbuhan ekonomi In line with domestic economic growth that
domestik yang tetap tumbuh di kisaran 5%, continues to grow in the range of 5%, investment
maka kebutuhan investasi meningkat sehingga needs have increased to boost the banking
mendongkrak peluang pertumbuhan bisnis business growth opportunities, especially in terms
perbankan, terutama dari segi lending. Untuk of lending. For 2020 credit growth, the Financial
pertumbuhan kredit tahun 2020, Otoritas Jasa Services Authority (OJK) is projecting to grow by
Keuangan (OJK) memproyeksikan tumbuh 12% -13%, while DPK will grow in the range of
sebesar 12%-13%, sementara DPK akan tumbuh 10% -12% while the relatively high DPK growth will
pada kisaran 10%-12% adapun pertumbuhan encourage assets to grow by 13% -15%.
DPK yang cukup tinggi akan mendorong aset
untuk tumbuh sebesar 13%-15%.
Melihat prospek usaha industri perbankan Seeing the business prospects of the national
nasional tersebut, Perseroan berusaha sebaik- banking industry, the Company is trying its best
baiknya untuk meraih setiap peluang dan to seize every opportunity and potential created.
potensi yang tercipta. Dengan keunggulan With the advantages of the Company, the Board
yang dimiliki Perseroan, Direksi optimis bahwa of Directors is optimistic that future business
prospek usaha di masa yang akan datang akan prospects will be bright. This is supported by the
cerah. Hal ini ditopang dengan peluang-peluang opportunities owned by the Company including
yang dimiliki oleh Perseroan diantaranya the following:
sebagai berikut:
1. Penurunan GWM oleh Bank Indonesia 1. The reduction in the GWM by Bank Indonesia is
diprediksi akan membuat likuiditas predicted to increase bank liquidity so that the
perbankan bertambah sehingga Perseroan Company can take advantage of the reduction
dapat memanfaatkan penurunan GWM ini in the GWM to expand credit.
untuk melakukan ekspansi kredit.
2. Berdasarkan skala pasar, sebagian besar 2. Based on market scale, most of Company
Kantor Cabang Perseroan masih menjadi branch offices are still market nichers in their
market nichers di wilayah operasionalnya operational areas so that they still have a large
sehingga masih memiliki peluang yang cukup enough opportunity to increase their market
besar untuk meningkatkan pangsa pasarnya share in terms of assets, third party funds, and
baik dari sisi aset, dana pihak ketiga, maupun credit.
kredit.
3. Semakin meningkatnya literasi Keuangan 3. Increasing public financial literacy through
masyarakat melalui program yang programs launched by BI and OJK in order to
dicanangkan oleh BI dan OJK dalam rangka implement inclusive financial policies as a form
menerapkan kebijakan Keuangan inklusif of financial service deepening aimed at the
sebagai suatu bentuk pendalaman layanan public in the bottom of the pyramid to utilize
Keuangan (financial service deepening) yang formal financial products and services such as
ditujukan kepada masyarakat in the bottom safe keeping, transfers, savings and loans and
of the pyramid untuk memanfaatkan produk insurance facilities.
dan jasa keuangan formal seperti sarana
menyimpan uang yang aman (keeping), transfer,
menabung maupun pinjaman dan asuransi.
4. Kegiatan ekonomi yang cukup tinggi Propinsi 4. High economic activity in West Java, Banten,
jawa Barat, banten dan DKI Jakarta merupakan and DKI Jakarta is a potential for credit and
potensi pengembangan perkreditan dan funding development.
pendanaan.
5. Dukungan dari Pemerintah Daerah 5. Support from the Regional Government
secara konsisten dan berkesinambungan consistently and continuously in developing
dalam mengembangkan Perseroan the Company as a booster and driver of the
sebagai penggerak dan pendorong laju economy in the region.
perekonomian dai daerah.
6. Peraturan Bank Indonesia (PBI) No. 20/8/ 6. Bank Indonesia Regulation (PBI) No. 20/8/PBI
PBI tentang Rasio Loan to Value untuk kredit concerning Loan to Value Ratio for property
properti, rasio Financing to Value untuk loans, Financing to Value ratios for property
pembiayaan properti, dan uang muka financing, and advances for loans or motor
untuk kredit atau pembiayaan kendaraan vehicle financing, provide opportunities for the
bermotor, menjadi peluang bagi Perseroan Company to increase the distribution of healthy
dalam meningkatkan penyaluran kredit KPR and quality KPR and KKB loans.
dan KKB yang sehat dan berkualitas.
Kami memiliki keyakinan yang kuat dapat segera We have a strong belief can immediately realize
mewujudkan Visi, Misi dan sasaran strategis the Vision, Mission and strategic goals that have
yang telah ditetapkan. Melalui strategi bisnis been set. Through the right business strategy,
yang tepat, Direksi memiliki keyakinan bahwa the Board of Directors has confidence that these
peluang-peluang tersebut akan direspon opportunities will be responded to very well and will
dengan sangat baik dan akan berdampak positif have a positive impact on the Company’s prospects
terhadap prospek Perseroan kedepannya. going forward.
guna mencapai kinerja terbaik secara We can say that the Company always applies
berkelanjutan. Dapat kami sampaikan bahwa high standards of GCG practices that refer to OJK
Perseroan senantiasa menerapkan standar regulations and international standards. Various
praktik GCG yang tinggi yang mengacu pada intensive efforts have been made as can be seen
ketentuan OJK dan standar internasional. in the Good Corporate Governance section of
Berbagai upaya intensif telah dilakukan this Annual Report. Some things related to these
sebagaimana yang dapat dilihat pada bagian intensive efforts can be conveyed as follows.
Good Corporate Governance pada Laporan The Bank has a strong and effective GCG structure
Tahunan ini. Beberapa hal terkait dengan upaya which consists of the main organs, namely the
intensif tersebut dapat kami sampaikan sebagai General Meeting of Shareholders (GMS), the Board
berikut. Bank telah memiliki struktur GCG yang of Commissioners and the Board of Directors. The
kuat dan efektif yang terdiri dari organ utama, three Bank organs have carried out their respective
yaitu Rapat Umum Pemegang Saham (RUPS), roles in fulfilling their obligations to shareholders
Dewan Komisaris dan Direksi. Ketiga organ Bank and other stakeholders.
tersebut telah menjalankan perannya masing-
masing dalam memenuhi kewajibannya kepada
pemegang saham dan pemangku kepentingan
lainnya.
Selama tahun 2019, Perseroan telah During 2019, the Company held an annual GMS
menyelenggarakan RUPS tahunan dalam in a period not exceeding the specified limit, which
waktu yang tidak melewati batas yang is no later than 6 (six) months after the Company’s
ditentukan yaitu paling lambat 6 (enam) fiscal year has closed. In organizing the GMS, the
bulan setelah tahun buku Perseroan ditutup. Company is committed to upholding the principle
Dalam penyelenggaraan RUPS, Perseroan of fairness by applying the same treatment to all
berkomitmen untuk menegakkan prinsip shareholders.
fairness dengan menerapkan perlakuan yang
sama bagi seluruh pemegang saham.
Dewan Komisaris dan Direksi, yang memiliki The Board of Commissioners and Directors,
wewenang dan tanggung jawab yang jelas who have clear authority and responsibilities
sesuai fungsinya masing-masing sebagaimana in accordance with their respective functions as
diamanahkan dalam Anggaran Dasar dan mandated in the Articles of Association and laws
peraturan perundang-undangan. Secara lebih and regulations. In more detail, the guidelines and
rinci, pedoman dan tata tertib kerja Direksi work rules of the Directors are regulated in a Board
diatur dalam Board Manual yang mengatur Manual which regulates the Work Guidelines for
tentang Panduan Tata Kerja Dewan Komisaris the Board of Commissioners and the Board of
dan Direksi antara lain berisi tentang petunjuk Directors, including, among others, instructions for
tata laksana kerja Direksi secara terstruktur, the Directors’ work procedures that are structured,
sistematis, mudah dipahami dan dapat systematic, easy to understand and can be carried
dijalankan dengan konsisten, dapat menjadi out consistently, can be a reference for Directors in
acuan bagi Direksi dalam melaksanakan tugas carrying out their respective duties to achieve the
masing-masing untuk mencapai visi dan misi corporate’s vision and mission. With the Board of
perusahaan. Dengan adanya Panduan Tata Commissioners and Board of Directors’ Working
Kerja Dewan Komisaris dan Direksi diharapkan Procedures, it is expected that high work standards
akan tercapai standar kerja yang tinggi, selaras will be achieved, in line with GCG principles. The
dengan prinsip-prinsip GCG. Pedoman dan Tata Guidelines and Work Procedure of the Board of
Tertib Kerja Dewan Komisaris dan Direksi bank Commissioners and Directors of bank bjb are
bjb diatur dalam Pedoman dan Tata Tertib regulated in The Guidelines and Work Procedure
Kerja Dewan Komisaris yang telah ditetapkan of the Board of Commissioners which has been
melalui Surat Keputusan Dewan Komisaris No. determined through the BoC’s Decree No. 01/SK/
01/SK/DK/2019 dan Pedoman Kerja Direksi DK/2019 and Directors’ Work Guidelines based
berdasarkan Surat Keputusan Direksi No. on Directors Decree No. 0077/SK/DIR-CS/2019. In
0077/SK/DIR-CS/2019. Dalam pelaksanaannya, its implementation, the Company’s organs have
organ Perseroan memiliki berbagai kebijakan/ various policies/guidelines (GCG infrastructure)
pedoman (GCG infrastruktur) dalam in carrying out their functions and duties. The
menjalankan fungsi dan tugasnya. Tujuannya objectives include:
antara lain:
• Melengkapi kebijakan pendukung dalam • Completing supporting policies in implementing
penerapan GCG. GCG.
• Menjadi pedoman bagi Bank dalam • Be a guideline for the Bank in carrying out
menjalankan aktivitas sehari-hari sesuai daily activities in accordance with the expected
dengan budaya (corporate culture) yang culture (corporate culture).
diharapkan.
• Merupakan bentuk komitmen tertulis bagi • Is a form of written commitment for all levels and
seluruh jajaran dan tingkatan organisasi levels of the organization in order to improve
dalam rangka meningkatkan disiplin dan the discipline and responsibility of the Bank’s
tanggung jawab organ Bank dalam rangka organs in order to safeguard the interests of
menjaga kepentingan stakeholders sesuai stakeholders in accordance with their respective
dengan tanggung jawab masing-masing. responsibilities.
Untuk memastikan penerapan praktik GCG To ensure the implementation of the above
tersebut di atas, maka Perseroan secara mentioned GCG practices, the Company has
konsisten telah melaksanakan assessment, consistently carried out assessments, namely
yaitu melaksanakan self assessment. Dasar carrying out self assessments. The basis for
pelaksanaan self assessment adalah POJK No. conducting the self assessment is POJK No. 55/
55/POJK.03/2016 tentang penerapan Tata POJK.03/2016 concerning the Implementation of
Kelola Bagi Bank Umum. Hasil pelaksanaan self Governance for Commercial Banks. The results of
assessment di tahun 2019 menunjukkan nilai the self-assessment in 2019 showed a composite
komposit 2 yang nencerminkan Manajemen value of 2 which reflected that the Bank’s
Bank telah melakukan penerapan Good management had generally implemented good
Corporate Governance yang secara umum baik. corporate governance.
Hasil dari assessment serta ditambah dengan The results of the assessment and added to
masukan dari seluruh stakeholders digunakan the input from all stakeholders are used as
sebagai pertimbangan di dalam melakukan consideration in improving the quality of GCG
peningkatan kualitas implementasi GCG. Selama implementation. During 2019 the Bank had made
tahun 2019 Bank telah melakukan upaya- efforts to improve by following up on some of the
upaya perbaikan dengan menindaklanjuti weaknesses recommended based on the results of
beberapa kelemahan yang direkomendasikan the assessment.
berdasarkan hasil assessment.
Selama tahun 2019, Direksi menilai bahwa During 2019, the Board of Directors considered
komite-komite di bawah Direksi telah that the committees under the Board of Directors
menjalankan tugas dan tanggungjawabnya carried out their duties and responsibilities well.
dengan baik.
Komite Manajemen Risiko merupakan komite The Risk Management Committee is a committee
yang dibentuk untuk membantu Direksi formed to assist the Board of Directors in
dalam mengembangkan budaya risiko dan developing a risk culture and setting direction
menetapkan arahan untuk seluruh aktivitas for all risk-taking activities. During 2019, the Risk
yang mengandung risiko. Selama tahun 2019, Management Committee held 2 (two) meetings and
Komite Manajemen Risiko telah melaksanakan carried out their duties properly.
2 (dua) kali rapat dan telah melaksanakan
tugasnya dengan baik.
Komite Kebijakan Perkreditan merupakan The Credit Policy Committee is a committee formed
komite yang dibentuk untuk membantu to assist the Board of Directors in formulating
Direksi dalam merumuskan Kebijakan, policies, overseeing policy implementation,
mengawasi pelaksanaan kebijakan, memantau monitoring the development and condition of
perkembangan dan kondisi portofolio the credit portfolio and providing suggestions for
perkreditan serta memberikan saran-saran corrective measures. During 2019, the Credit Policy
langkah perbaikan. Selama tahun 2019, Komite Committee conducted 1 (one) meeting and had
Kebijakan Perkreditan telah melaksanakan carried out its duties properly.
1 (satu) kali rapat dan telah melaksanakan
tugasnya dengan baik.
seluruh aktivitas yang mengandung risiko in developing a risk culture and setting direction for
dalam Konglomerasi Keuangan. Selama tahun all risky activities in the Financial Conglomerate.
2019, Komite Manajemen Risiko Terintegrasi During 2019, the Integrated Risk Management
telah melaksanakan 1 (satu) kali rapat dan telah Committee conducted 1 (one) meeting and had
melaksanakan tugasnya dengan baik. carried out its duties properly.
Assets and Liability Committee (ALCO) merupakan The Assets and Liability Committee (ALCO) is a
komite yang dibentuk untuk membantu committee formed to assist the Board of Directors
Direksi dalam menetapkan strategi terhadap in determining strategies for controlling liquidation
pengendalian risiko likuidasi dan rentabilitas and profitability risks and making management
serta pengambilan keputusan manajemen decisions in the context of managing assets and
dalam rangka pengelolaan assets dan liability. liabilities. During 2019, the Assets and Liability
Selama tahun 2019, Assets and Liability Committee Committee (ALCO) held 14 (fourteen) meetings and
(ALCO) telah melaksanakan 14 (empat belas) had carried out its duties properly.
kali rapat dan telah melaksanakan tugasnya
dengan baik.
Sehingga Komposisi Direksi setelah RUPS Therefore the Board of Directors Composition after
Tahunan 2019 sebanyak 7 (tujuh) orang yang the 2019 Annual GMS is 7 (seven) people consisting
terdiri dari 1 (satu) orang Direktur Utama dan 6 of 1 (one) President Director and 6 (six) Directors.
(enam) orang Direktur. Seluruh anggota Direksi All members of the Board of Directors reside in
berdomisili di wilayah kerja Kantor bank bjb. the working area of bank bjb Office. Board of
Komposisi dan dasar pengangkatan Direksi Directors’ composition and appointment basis can
dapat dilihat pada tabel di bawah ini. be seen in the table below.
Melalui Surat OJK perihal Penyampaian Salinan Through the OJK Letter regarding Submission
Keputusan atas Pengangkatan Pengurus PT Bank of a Copied Decision on the Appointment of
Pembangunan Daerah jawa Barat dan Banten Management of PT Bank Pembangunan Daerah
Tbk tanggal 21 Juni 2019, OJK menyatakan tidak Jawa Barat and Banten Tbk on June 21, 2019, OJK
menyetujui pengangkatan Bapak Beny Riswandi stated that it did not approve the appointment
sebagai Direktur Komersial dan UMKM karena of Mr. Beny Riswandi as Commercial and MSME
belum memenuhi kriteria yang telah ditetapkan. Director since he did not meet the specified criteria.
Perseroan perlu menyelenggarakan RUPS The Company needed to hold a GMS to cancel the
untuk membatalkan pengangkatan Bapak Beny appointment of Mr. Beny Riswandi. So that the
Riswandi. Sehingga komposisi Direksi menjadi composition of the Board of Directors becomes 6
6 (enam) orang yang terdiri dari 1 (satu) orang (six) people consisting of 1 (one) President Director
Direktur Utama dan 5 (lima) orang Direktur. and 5 (five) Directors. All members of the Board
Seluruh anggota Direksi berdomisili di wilayah of Directors reside in the working area of bank
kerja Kantor bank bjb. Komposisi dan dasar bjb Office. Board of Directors’ composition and
pengangkatan Direksi dapat dilihat pada tabel appointment basis can be seen in the table below.
di bawah ini.
Penutup Closing
Demikian, laporan tugas Direksi atas Thus, the Board of Directors’ task report on the
pelaksanaan usaha Bank selama tahun 2019. implementation of the Bank’s business during 2019.
Direksi memberikan penghargaan yang setinggi- The Board of Directors gives the highest appreciation
tingginya atas kepercayaan, komitmen dan kerja for the trust, commitment and cooperation of all
sama dari seluruh pemangku kepentingan, stakeholders, especially to the management team
khususnya kepada jajaran tim manajemen dan and all employees who have worked hard in the
seluruh karyawan yang telah bekerja keras midst of challenges in the banking industry. For
di tengah tantangan yang terjadi di industri the hard work of the management team and all
perbankan. Atas kerja keras dari tim manajemen employees, the Company was able to improve its
dan seluruh karyawan, Perseroan mampu performance in 2019.
meningkatkan kinerjanya di 2019.
Atas arahan yang diberikan oleh Dewan For the direction given by the Board of
Komisaris, Direksi memberikan penghargaan Commissioners, the Board of Directors gives
yang setinggi-tingginya. Arahan Dewan the highest appreciation. The directions of the
Komisaris sangat memberikan kontribusi dalam Board of Commissioners greatly contribute to the
pencapaian kinerja Perseroan, sehingga mampu achievement of the Company’s performance, so as
meningkatkan kinerja Perseroan di 2019. to improve the Company’s performance in 2019.
Direksi juga mengucapkan penghargaan yang The Board of Directors also expresses the highest
setinggi-tingginya kepada Pemegang Saham, appreciation to the Company’s shareholders,
nasabah dan mitra kerja Perseroan. Atas customers and business partners. For the support
dukungan yang diberikan selama ini, Perseroan given so far, the Company is able to survive and even
mampu bertahan dan bahkan senantiasa always shows excellent performance achievements.
menunjukkan pencapaian kinerja yang sangat Going forward, we remain committed to always
baik. Kedepannya, kami tetap berkomitmen untuk provide the best in order to continuously improve
selalu memberikan yang terbaik guna perbaikan performance achievement. The Board of Directors
pencapaian kinerja secara berkelanjutan. Direksi hopes that the Company will become an important
berharap bahwa Perseroan akan menjadi bagian part and contribute to increasing economic growth
penting dan berkontribusi dalam meningkatkan in Indonesia.
pertumbuhan perekonomian di Indonesia.
Yuddy Renaldi
Direktur Utama
President Director
Dewan Komisaris
Board of Commissioners
Farid Rahman
Komisaris Utama Independen
Independent President Commissioner
Laporan tahunan ini, berikut laporan keuangan This annual report, including the financial
dan informasi lain yang terkait, merupakan statements and other related information, is the
tanggung jawab Manajemen bank bjb dan responsibility of bank bjb Management and its
dijamin kebenarannya oleh seluruh anggota truthfulness is guaranteed by the entire members
Direksi dengan membubuhkan tandatangannya of the Board of Directors by affixing each of their
masing-masing di bawah ini pada bulan Maret signatures below in March 2020.
2020.
Direksi
Board of Directors
Yuddy Renaldi
Direktur Utama
President Director
Identitas Perusahaan
Company Identity
Nama Perusahaan / Name of Company PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.
Sebagai tindak lanjut dari peraturan Pemerintah As a follow up to Government Regulation No. 33 of
No. 33 tahun 1960, Pemerintah daerah Tingkat 1960, the Regional Government of the Provincial
Provinsi I Jawa Barat mendirikan Bank Karya Level I of West Java established the Development
Pembangunan dengan Akta Notaris Noezar No. Work Bank with Noezar Notarial Deed No. 152
152 tanggal 21 Maret 1961 dan No. 184 tanggal March 21, 1961 and No. 184 dated May 13, 1961
13 Mei1961 yang kemudian dikukuhkan dengan which was then confirmed by the Decree of the
surat Keputusan Gubernur Provinsi Jawa Barat Governor of West Java Province No. 7 / GKDN /
No. 7/GKDN/BPD/61 tanggal 20 Mei 1961 BPD / 61 dated May 20, 1961 under the name
dengan nama PT Bank Karya Pembangunan of PT Bank Karya Pembangunan Daerah Djawa
Daerah Djawa Barat. Berdasarkan Peraturan Barat. Based on the Regional Regulation of West
Daerah Provinsi Jawa Barat No. 11/PD/DPRD/72 Java Province No. 11/PD/DPRD/72 datedJune
tanggal 27 Juni 1972, kedudukan hukum PT 27, 1972, the legal position of PT Bank Karya
Bank Karya Pembangunan Daerah Djawa Barat Pembangunan Daerah in West Java was changed
diubah menjadi PD Bank Karya Pembangunan to PD Bank Karja Pembangunan Jawa Barat.
Daerah Jawa Barat. Nama PD Bank Karja The name PD Karja Pembangunan Jawa Barat is
Pembangunan Daerah Jawa Barat selanjutnya subsequently changed to West Java BPD according
diubah menjadi BPD Jabar sesuai Perda Provinsi to West Java Provincial Regulation Number 1/
Jawa Barat Nomor 1/DP-040/PD/1978 Tanggal DP-040/PD/1978 dated June 27, 1978. In 1992
27 Juni 1978. Pada tahun 1992 sesuai dengan according to Bank Indonesia Decree No.25 / 84
Surat Keputusan Bank Indonesia No.25/84/ / KEP / On November 2, 1992 the status of the
KEP/DIR tanggal 2 November 1992 status BPD West Java BPD increased to a foreign exchange
Jabar meningkat menjadi bank umum devisa. commercial bank. Based on Regional Regulation
Berdasarkan Peraturan Daerah Nomor 11 No. 11 of 1995, West Java BPD has the name
Tahun 1995, BPD Jabar memiliki sebutan Bank Bank Jabar with a new logo.
Jabar dengan logo baru.
Berdasarkan Peraturan Daerah Provinsi Based on the Regional Regulation of the Provincial
Daerah Tingkat I Jawa Barat No.22 Tahun 1998 Level I West Java No.22 of 1998 dated December
tanggal 14 Desember 1998 tentang Perubahan 14, 1998 concerning the Changing the Legal
Bentuk Hukum Bank Pembangunan Daerah Form of the West Java Regional Development
Jawa Barat dari Perusahaan Daerah (PD) Bank from a Regional Company (PD) to a Limited
menjadi Perseroan Terbatas (PT). Perda Liability Company (PT). The Regional Regulation
tersebut dituangkan lebih lanjut pada Akta was further outlined in Deed of Establishment
Pendirian Nomor 4 Tanggal 8 April 1999 juncto Number 4 dated on April 8, 1999 juncto Deed of
Akta Perbaikan Nomor 8 Tanggal 15 April 1999. Amendment Number 8 dated April 15, 1999. Both
keduanya dibuat di hadapan Popy Kuntari of them were made before Popy Kuntari Sutresna,
Sutresna, S.H., Notaris di Bandung yang telah SH, a Notary in Bandung who had been approved
memperoleh pengesahan Menteri Kehakiman by the Minister of Justice of the Republic of
RI berdasarkan Surat Keputusan No.C2- Indonesia based on Decree No.C2 -7103.HT.01.01.
7103.HT.01.01.TH.99 tanggal 16 April 1999, TH.99 dated April 16, 1999, was registered in
didaftarkan dalam Daftar Perusahaan di Kantor the Company Register at the Bandung District /
Pendaftaran Perusahaan Kab/Kodya Bandung Kodya Company Registration Office under No.871
di bawah No.871/BH.10.11/IV/99 tanggal 24 / BH.10.11 / IV / 99 dated April 24, 1999, and was
April 1999, serta telah diumumkan dalam Berita announced in the News Negara Republik Indonesia
Negara Republik Indonesia No.39 tanggal 14 No.39 dated May 14, 1999, Supplement No.871/
Mei 1999, Tambahan No.2811, bentuk hukum BH.10.11/IV/99, the legal form of Bank Jabar was
Bank Jabar diubah dari Perusahaan Daerah changed from a Regional Company (PD) to a
(PD) menjadi Perseroan Terbatas (PT). Limited Liability Company (PT).
Untuk memenuhi meningkatnya kebutuhan To meet the increasing needs of the community
masyarakat akan jasa layanan perbankan for sharia-based banking services, in accordance
yang berlandaskan syariah, sesuai dengan with BI license Number 2/18/DpG/DPIP on April
izin BI Nomor 2/18/DpG/DPIP Tanggal 12 12, 2000, since April 15, 2000 Bank Jabar became
April 2000 maka sejak tanggal 15 April 2000 the first BPD in Indonesia to run a dual banking
Bank Jabar menjadi BPD pertama di Indonesia system, namely providing banking services with
yang menjalankan dual banking system, yaitu conventional and sharia systems.
memberikan layanan perbankan dengan
sistem konvensional dan sistem syariah.
Berdasarkan Rapat Umum Pemegang Saham Based on the General Meeting of Shareholders
(RUPS) tanggal 16 April 2001 menyetujui (AGM) on April 16, 2001, the bank approved an
peningkatan modal dasar Bank Jabar menjadi increase in authorized capital of Bank Jabar to
Rp1 triliun. Selanjutnya, berdasarkan hasil IDR1 trillion. Furthermore, based on the results of
keputusan RUPS yang diselenggarakan pada the GMS decision held on April 14, 2004 based on
tanggal 14 April 2004 berdasarkan Akta Nomor Deed No. 10 dated April 14, 2004, the authorized
10 Tanggal 14 April 2004, modal dasar Bank capital of Bank Jabar was increased from IDR1
Jabar dinaikkan dari Rp1 triliun menjadi Rp2 trillion to IDR2 trillion. By seeing the development
triliun. Melihat perkembangan prospek usaha of business prospects which continues to improve,
yang terus membaik, hasil RUPS tanggal 5 April the results of the Annual GMS on April 5, 2006
2006 menetapkan kenaikan modal dasar Bank set an increase in the authorized capital of Bank
Jabar dari Rp2 triliun menjadi Rp4 triliun. Jabar from IDR2 trillion to IDR4 trillion.
Pada bulan November 2007, sebagai tindak In November 2007, as a follow-up to the BI
lanjut SK Gubernur BI Nomor 9/63/kep. Governor’s Decree Number 9/63/kep.gbi/2007
gbi/2007 tentang Perubahan Izin Usaha Atas concerning Changes in Business Licenses on
Nama PT Bank Pembangunan Daerah Jawa Behalf of PT Bank Pembangunan Daerah Jawa
Barat Menjadi Izin Usaha Atas Nama PT Bank Barat Becoming a Business License on behalf of
Pembangunan Daerah Jawa Barat dan Banten, PT Bank Pembangunan Daerah Jawa Barat dan
dilaksanakan penggantian call name dari “Bank Banten, carried out the replacement of the call
Jabar” menjadi “Bank Jabar Banten”. name from “Bank Jabar” to “Bank Jabar Banten”.
Seiring dengan perkembangan jaringan kantor Along with the development of a wider office
yang lebih luas maka berdasarkan Hasil Rapat network, based on the Results of the Extraordinary
Umum Pemegang Saham Luar Biasa PT Bank General Meeting of Shareholders, PT Bank
Pembangunan Jawa Barat dan Banten Nomor Pembangunan Jawa Barat dan Banten Number
26 tanggal 21 April 2010 dan sesuai Surat 26 dated April 21, 2010 and in accordance with
Bank Indonesia No. 12/78/APBU/Bd tanggal Bank Indonesia Letter No. 12/78/APBU/Bd dated
30 Juni 2010 perihal Rencana Perubahan Logo June 30, 2010 concerning the Plan for Changing
Bank serta Surat Keputusan Nomor 1337/SK/ the Bank Logo and Decree Number 1337/SK/
DI(R-PPN/2010 tanggal 5 Juli 2010 tentang DI (R-PPN/2010 dated July 5, 2010 concerning
Perubahan Logo dan Penyebutan Nama Serta Change of Logo and Mention of Names and
Pemberlakuan Brand Identity Guidelines,, maka Enforcement of Brand Identity Guidelines, then
pada tanggal 8 Agustus 2010 nama “Bank Jabar on August 8, 2010 the name “Bank Jabar Banten”
Banten” resmi berubah menjadi “bank bjb”. officially changed to “bank bjb”.
Brand Perseroan
Company Brand
Identitas brand bank bjb dapat dijelaskan bank bjb brand identity can be explained as
sebagai berikut: follows:
Logo bank bjb memiliki makna Jangkauan bank bjb logo has the meaning of Service Outreach,
Pelayanan, dalam perspektif sekunder berarti in a secondary perspective it means wings that fly
sayap yang terbang untuk kemajuan. Bentuk to progress. The wing shape on the bank bjb logo
sayap pada logo bank bjb melambangkan symbolizes the far reaching arm to provide the best
lengan yang menjangkau jauh untuk service to customers, shareholders and the entire
memberikan pelayanan yang terbaik kepada community. While the use of letters on the logotype
nasabah, shareholder dan seluruh masyarakat. is the development of the shape of the letters Alte
Sedangkan penggunaan huruf pada logotype Haas Grothesk.
merupakan pengembangan bentuk dari huruf
Alte Haas Grothesk.
Pemilihan nama bank bjb hadir sebagai akronim The selection of the name bank bjb was present
dari Bank Jabar Banten menggambarkan sifat as an acronym for Bank Jabar Banten describing
kesederhanaan dan sifat modern masyarakat the simplicity and modern nature of the society in
di mana bank bjb akan berbakti. Nama ini which the bank bjb will serve. This name describes
menggambarkan transformasi bank bjb untuk the transformation of the bank bjb to be more
menjadi lebih efektif dan profesional dalam effective and professional in serving all levels of
melayani seluruh lapisan masyarakat dari society from Sabang to Merauke.
Sabang sampai Merauke.
Ramah Sederhana
Hospitable Modest
Tulus Kekeluargaan
Sincere Kinship
Brand Personality bank bjb menggambarkan bank bjb Brand Personality describes the figure of
sosok institusi finansial perbankan yang cekatan, a bank financial institution that is dexterous, alert
sigap dan terampil dalam setiap tindakan and skilled in every action and interaction, both
maupun interaksi, baik dengan shareholder, with shareholders, customers and the community
nasabah maupun dengan masyarakat pada in general. In addition, it also shows the figure of
umumnya. Selain itu, juga menunjukkan sosok a financial institution that is grounded, familiar,
institusi finansial yang membumi, akrab, ingin wants to always be close to the community,
selalu dekat dengan masyarakat, shareholder shareholders and customers. So that in the
dan nasabahnya. Sehingga dalam proses operational process day to day, this trait becomes
operasional hari ke hari, sifat ini menjadi nafas a breath in every action. And, displaying the
dalam setiap tindakan. Serta, menampilkan figure of an established financial institution, has
sosok sebuah institusi finansial yang mapan, a strong foundation and thus appears confident
memiliki fondasi yang kuat dan dengan demikian in the face of competition, becomes the top player
tampak penuh percaya diri dalam menghadapi in the industry and in the process of service with
persaingan, menjadi pemain teratas dalam customers.
industri maupun dalam proses pelayanan
dengan nasabah.
Bidang Usaha
Business Fields
1. Menghimpun dana dari masyarakat dalam 1. Collecting funds from the public in the form of
bentuk simpanan berupa giro, deposito deposits in the form of demand deposits, time
berjangka, sertifikasi deposito, tabungan deposits, certificates of deposit, savings and/or
dan/atau bentuk lainnya yang dipersamakan other similar forms.
dengan itu.
2. Memberikan kredit. 2. Give credit.
3. Menempatkan dana pada, meminjam dana 3. Placing funds in, borrowing funds from, or
dari, atau meminjamkan dana kepada bank lending funds to other banks, either by using
lain, baik dengan menggunakan surat, sarana letters, telecommunications facilities or by
telekomunikasi maupun dengan wesel unjuk, money orders, checks or othermeans.
cek atau sarana lainnya.
4. Melakukan kegiatan dalam pernyertaan 4. Conduct activities in capital participation in
modal pada bank atau perusahaan di bidang banks or companies in other financial services
jasa keuangan lainnya atau mendirikan or establish new companies as long as they are
perusahaan baru sepanjang sesuai dengan in accordance with applicable regulations.
ketentuan yang berlaku.
5. Melakukan kegiatan dalam valuta asing 5. Conduct activities in foreign exchange and act
dan bertindak sebagai bank devisa dengan as a foreign exchange bank by fulfilling the
memenuhi ketentuan yang di tetapkan oleh conditions set by the authorities.
yang berwenang.
Selain itu, sebagai Bank Pembangunan Daerah, In addition, as a Regional Development Bank, the
Perseroan juga membantu Pemerintah Provinsi, Company also assists the Provincial Government,
Kota/Kabupaten se-jawa Barat dan Banten City/ Regency in West Java and Banten in fostering
dalam membina Bank Perkreditan Rakyat Rural Banks (BPR) and other financial service
(BPR) dan institusi jasa keuangan lainnya milik institutions belonging to the Provincial, City/
pemerintah Provinsi, Kota/Kabupaten se-jawa Regency governments in West Java and Banten that
Barat dan Banten yang sebagian sahamnya some of the shares are owned by the Company,
dimiliki oleh Perseroan, atau Perseroan sama or the Company does not own shares at all, but is
sekali tidak memiliki saham namun diminta asked to assist in the development of the BPR.
untuk membantu pembintaan BPR dimaksud.
Perseroan telah menjalankan seluruh kegiatan The Company has undertaken its whole business
usaha seperti ditetapkan dalam Anggaran Dasar activities as defined in the Articles of Association
tahun 2015, kecuali kegiatan usaha berupa of 2015 year, except service business activity of
jasa mendirikan perusahaan baru yang belum establishing new Company business which has not
dijalankan. been executed.
Simpeda Simpeda
Tabungan BPD seluruh Indonesia dalam mata It is the saving of BPD throughout Indonesia
uang Rupiah yang diperuntukan bagi nasabah in Rupiah that is intended for individual/non-
perorangan/non perorangan dalam kebutuhan individual customers in their daily transaction
transaksi sehari-hari. Dengan beberapa needs. With several advantages, namely the ease
keunggulan yaitu Kemudahan transaksi melalui of transactions through inter-BPD networks
jaringan antar BPD se – Indonesia, setoran throughout Indonesia, affordable initial deposits,
awal terjangkau, biaya administrasi ringan, light administration fees, competitive daily interest
suku bunga harian kompetitif, dan bebas biaya rates, and free transaction fees between accounts
bertransaksi antar rekening di seluruh kantor in all bank bjb branches in real time online.
cabang bank bjb secara real time online.
TabunganKu TabunganKu
Tabungan dalam mata uang rupiah dengan Savings are in rupiah currency with the aim of
tujuan meningkatkan kesejahteraan masyarakat improving the welfare of the community through a
melalui budaya menabung. Diperuntukan bagi culture of saving. Intended for individual customers
nasabah perorangan dan tidak diperbolehkan and not permitted for business entities/legal entities
untuk Badan Usaha/ Badan Hukum maupun or joint accounts. One customer only has one
Joint Account. Satu orang nasabah hanya memiliki TabunganKu account in one bank for the same
satu rekening TabunganKu di satu bank untuk product, except for parents who open accounts
produk yang sama, kecuali bagi orang tua yang for children who are still under guardianship
membuka rekening untuk anak yang masih according to the relevant Family Card. Provided
dibawah perwalian sesuai Kartu Keluarga yang ATM card facilitation for TabunganKu customers.
bersangkutan. Diberikan fasilitasi Kartu ATM
bagi nasabah TabunganKu.
DEPOSITO DEPOSIT
bjb Deposito bjb Deposito
Investasi dana nasabah dengan suku bunga bjb Investing customer funds with bjb rates Competitive
Deposito yang kompetitif menjadikan investasi deposits make your investment grow faster.
Anda lebih cepat berkembang.
KREDIT LOANS
bjb Kredit Guna Bhakti bjb Kredit Guna Bhakti
Pembiayaan dengan tujuan multiguna yang Is financing with a multipurpose purpose given by
diberikan oleh bank bjb kepada debitur bank bjb to the fixed income debtor whose salary
berpenghasilan tetap yang gajinya disalurkan is channeled through the bank bjb or the Company
melalui bank bjb atau perusahaan tempat where the debtor works has a cooperation
debitur bekerja memiliki perjanjian kerjasama agreement with the bank where the source of the
dengan bank dimana sumber pengembaliannya return comes from the debtor’s salary. bjb KPR Is a
berasal dari gaji debitur. bjb KPR Adalah fasilitas consumptive credit facility that is given by bank bjb
kredit konsumtif yang diberikan bank bjb kepada to prospective Debtor individuals to buy or own a
Calon Debitur perorangan untuk membeli atau Property (Tread House/Apartment/Shop House/
memilki Properti (Rumah Tapak/Apartemen/ Office House), both new (Primary) purchases from
Rumah Toko/ Rumah Kantor), baik pembelian the Company Developer and Secondary purchases
baru (Primary) dari Pengembang Perusahaan from non Developers Housing.
maupun pembelian bekas (Secondary) dari non
Pengembang Perumahan.
Fasilitas kredit konsumtif yang diberikan bank Consumptive credit facilities provided by bank bjb
bjb kepada Calon Debitur perorangan untuk to individual Debtor Candidates to buy or own
membeli atau memilki Properti (Rumah Tapak/ property (Tread Houses/Apartments/Shop Houses/
Apartemen/Rumah Toko/Rumah Kantor), baik Office Houses), both new (Primary) purchases from
pembelian baru (Primary) dari Pengembang Company Developers and Secondary purchases
Perusahaan maupun pembelian bekas from non Housing Developers.
(Secondary) dari non Pengembang Perumahan.
bjb Kredit Pra Purna Bhakti (KPPB) bjb Kredit Pra Purna Bhakti (KPPB)
Pembiayaan dengan tujuan multiguna yang Is financing with a multipurpose purpose that is
diberikan oleh bank bjb kepada Aparatur given by the bank bjb to the State Civil Service (ASN)
Sipil Negera (ASN) yang akan memasuki masa which will enter retirement. Where the maximum
pensiun. Dimana maksimal sisa masa dinas remaining tenure of the debtor who can receive
debitur yang dapat menerima kredit adalah 5 credit is 5 years.
tahun.
bjb Kredit Purna Bhakti (KPB) bjb Kredit Purna Bhakti (KPB)
Pembiayaan dengan tujuan multiguna yang Is a multi purpose multipurpose financing provided
diberikan oleh bank bjb kepada debitur by bank bjb to its own retired debtors and retired
pensiunan sendiri dan pensiunan janda/duda widows/widowers where the debtor’s pension
dimana manfaat pensiun debitur dipastikan benefits will certainly or have been channeled
akan atau telah disalurkan melalui bank bjb. through bank bjb.
investasi, penarikan dan penambahan dana withdrawal and addition of investment funds as
investasi serta pembayaran, loyalty bonus. well as payments, loyalty bonuses.
3. Bahagia Utama 3. Bahagia Utama
Produk Asuransi dan Investasi untuk Insurance and Investment Products to provide
memberikan perlindungan terbaik dengan the best protection with several features such
beberapa keistimewaan seperti Perlindungan as Complete Protection, Life time coverage,
Lengkap, Life time coverage, Hasil investasi Optimum investment results with relatively
optimal dengan adanya biaya akuisisi yang low and short acquisition costs and additional
relative rendah dan singkat serta asuransi insurance.
tambahan.
Produk-Produk Reksa Dana di bank bjb Mutual Fund Products at bank bjb
1. Reksa Dana dari PT Trimegah Asset 1. Mutual Funds from PT Trimegah Asset
Management Management
a. Reksa Dana Trim Kas 2 a. Cash Trim Mutual Fund 2
b. Reksa Dana Trim Syariah Berimbang b. Balanced Syariah Sharia Mutual Fund
c. Reksa Dana Trim Kombinasi 2 c. Combined Mutual Fund 2
d. Reksa Dana Trim Syariah Saham d. Sharia Mutual Funds Shares
e. Reksa Dana Trim Kapital Plus e. Mutual Funds Capital Capitals Plus
2. Reksa Dana dari PT Bahana TCW Investment 2. Mutual Funds from PT Bahana TCW Investment
Management Management
a. Reksa Dana Bahana Dana Infrastruktur a. Infrastructure Fund Bahana Mutual Fund
b. Reksa Dana Bahana Dana Ekuitas Prim b. Bahana Fund Equity Prim Fund
3. Reksa Dana dari PT Danareksa Investment 3. Mutual Funds from PT Danareksa Investment
Management Management
a. Danareksa Seruni Pasar Uang II, a. Danareksa Seruni Money Market II,
b. Danareksa JS Optima b. Danareksa JS Optima
c. Danareksa Anggrek Fleksibel c. Flexible Danareksa Orchid
d. Danareksa Mawar d. Danareksa Mawar
e. Danareksa Indeks Syariah e. Danareksa Syariah Index
4. Reksa Dana dari PT Syailendra Capital 4. Mutual Funds from PT Syailendra Capital
a. Syailendra Equity Opportunity Fund a. Syailendra Equity Opportunity Fund
b. Syailendra Balanced Opportunity Fund b. Syailendra Balanced Opportunity Fund
Dana Pensiun Lembaga Keuangan (DPLK) Dana Pensiun Lembaga Keuangan (DPLK)
Simpanan bagi Pensiunan yang dapat Is a deposit for retirees who can provide continuity
memberikan kesinambungan penghasilan of income for participants and their families. With
bagi peserta dan keluarganya. Dengan affordable and flexible contributions. Participant
iuran terjangkau dan fleksibel. Iuran Peserta contributions are invested in safe and profitable
diinvestasikan dalam instrument investasi yang investment instruments.
aman dan menguntungkan.
Kredit Usaha Kecil Menengah (UKM) Kredit Usaha Kecil Menengah (UKM)
Calon nasabah yang dapat menikmati fasilitas Prospective customers who can enjoy the Small
Kredit Usaha Kecil Menengah dari bjb sahabat and Medium Business Credit facility from the bjb
usaha Layanan UMKM, adalah para pelaku best friend of the MSME Services business, are
usaha perorangan (termasuk PD/UD) dan Badan individual business actors (including PD/UD) and
Usaha (PT, CV) dalam sektor ekonomi produktif Business Entities (PT, CV) in productive economic
yang masuk kategori Usaha Kecil dan Menengah sectors that are categorized as Small and Medium
seperti pengusaha kecil, pedagang, wirausaha, Enterprises such as small entrepreneurs , traders,
wiraswasta produktif (khusus perorangan) yang entrepreneurs, productive entrepreneurs (especially
saat ini aktif menjalankan usahanya minimal 3 individuals) who are currently actively running their
tahun. businesses for at least 3 years.
bjb Skema Subsidi Resi Gudang (SSRG) bjb Skema Subsidi Resi Gudang (SSRG)
Kredit yang mendapatkan Subsidi Bunga dari Is a credit that receives a interest Subsidy from the
Pemerintah dengan jaminan Resi Gudang yang Government guaranteed by a Warehouse Receipt
diberikan oleh Bank kepada Petani, Kelompok provided by the Bank to Farmers, Farmer Groups,
Tani, Gabungan Kelompok Tani dan Koperasi. Joint Farmers and Cooperative Groups. Warehouse
Resi Gudang adalah dokumen bukti kepemilikan Receipt is a document of proof of ownership of
atas barang yang disimpan di Gudang yang goods stored in the Warehouse issued by the
diterbitkan oleh Pengelola Gudang. Warehouse Manager.
DEPOSITO DEPOSIT
bjb Deposito Korporasi bjb Deposito Korporasi
Simpanan berjangka dalam mata uang Rupiah Is a time deposit in Rupiah for a safe Company,
bagi Perusahaan yang aman, dengan bunga with attractive interest rates, and various other
menarik, dan beragam keuntungan lainnya. benefits.
GIRO
bjb Giro Korporasi CURRENT ACCOUNT
Giro bank bjb dengan mata uang rupiah yang bjb Giro Korporasi
memberikan keuntungan dan keleluasaan Is a bank bjb account with a rupiah currency that
bagi anda sebagai pengusaha maupun pribadi provides benefits and flexibility for you as an entrepreneur
dalam melakukan transaksi bisnis. and personally in conducting business transactions.
bjb Giro Korporasi Valas Giro bjb Foreign Currency Corporation Current Account
bank bjb dengan mata uang asing yang Is a bank bjb account with foreign currency
memberikan keuntungan dan keleluasaan that provides benefits and flexibility for you as
bagi anda sebagai pengusaha maupun pribadi an entrepreneur and personally in conducting
dalam melakukan transaksi bisnis. business transactions.
KREDIT LOANS
Pinjaman Daerah Pinjaman Daerah
Fasilitas kredit yang diberikan kepada Is a credit facility given to the Regional Government
Pemerintah Daerah untuk menutup defisit to cover the Regional Budget (APBD) deficit,
Anggaran Pendapatan dan Belanja Daerah financing expenditure and/or lack of cash flow.
(APBD), pengeluaran pembiayaan dan/atau
kekurangan arus kas.
1. bjb Kredit Modal Kerja Kepada Pengembang 1. bjb Working Capital Loan to Developers
Fasilitas kredit untuk memenuhi kebutuhan Credit facilities to meet the needs of debtors
debitur yang memiliki kegiatan usaha who have business activities as developers
sebagai pengembang (developer) dalam (developers) in carrying out construction
melaksanakan kegiatan konstruksi activities for the procurement of buildings and/
pengadaan bangunan dan/atau sarana dan or facilities and infrastructure for sale.
prasarana untuk dijual.
2. bjb Kredit Modal Kerja Konstruksi 2. bjb Construction Working Capital Loan
Fasilitas kredit untuk membiayai kebutuhan Credit facilities to finance working capital
modal kerja kontraktor yang memperoleh requirements of contractors who obtain
kontrak pengadaan barang/jasa dalam contracts for the procurement of goods/services
rangka pelaksanaan pekerjaan konstruksi, in the context of carrying out construction work,
jasa konsultasi atau jasa lainnya. consulting services or other services.
3. bjb Kredit Modal Kerja Kepada Lembaga 3. bjb Working Capital Loan to Financing
Pembiayaan Institutions
Fasilitas kredit untuk membiayai kebutuhan Credit facilities to finance working capital
modal kerja Perusahaan Pembiayaan, requirements of Financing Companies,
Perusahaan Modal Ventura dan Perusahaan Venture Capital Companies and Infrastructure
Pembiayaan Infrastruktur. Financing Companies.
4. bjb Kredit Modal Kerja Resi Gudang 4. bjb Warehouse Receipt Working Capital Loan
Fasilitas kredit untuk pemenuhan kebutuhan Credit facility for meeting working capital
modal kerja usaha perdagangan komoditas yang needs of commodity trading businesses whose
penarikannya didasarkan pada Resi Gudang withdrawals are based on Warehouse Receipts
yang diterbitkan oleh pengelola gudang. issued by warehouse managers.
bjb Kredit Kepada Badan Layanan Umum bjb Kredit Kepada Badan Layanan Umum
Daerah Daerah
Fasilitas kredit untuk membiayai kebutuhan Is a credit facility to finance working capital
modal kerja dan/atau investasi BLUD dalam needs and/or BLUD investments in carrying out
melaksanakan kegiatan operasional dan/atau operational activities and/or procurement of goods
pengadaan barang dan/atau jasa. and/or services.
uang rupiah maupun valuta asing, jangka waktu currency, a maximum period of 3 (three) years and
maksimum 3 (tiga) tahun dan Jaminan berupa a guarantee in the form of cash collateral, Counter
cash collateral, Kontra Garansi atau Fasilitas Guarantee or Credit Facility The types of Bank
Kredit. Jenis-jenis Garansi Bank yang disediakan Guarantees provided by bank bjb are as follows:
oleh bank bjb adalah sebagai berikut:
• Garansi Bank Penawaran • Bank Guarantee
• Garansi Bank Pelaksanaan • Implementation Bank Guarantee
• Garansi Bank Uang Muka Proyek • Bank Project Advance Guarantee
• Garansi Bank Pemeliharaan • Maintenance Bank Guarantee
• Garansi Bank Pembayaran • Payment Bank Guarantee
• Garansi Bank Transaksi Perdagangan Umum • General Trading Transaction Bank Guarantee
• Garansi Bank Sanggahan Banding • Disclaimer Bank Guarantee
TREASURY TREASURY
ORI ORI
Obligasi Negara Ritel adalah obligasi negara Retail Government Bonds are state bonds issued by
yang diterbitkan oleh Pemerintah dengan the Government with a high level of security. Retail
tingkat keamanan yang tinggi. Obligasi Negara Government Bonds are sold or marketed primarily
Ritel dijual atau dipasarkan terutama kepada to individuals or individuals to participate directly
perseorangan atau individu untuk berpartisipasi in the development of the Indonesian state. Each
secara langsung dalam pembangunan negara Retail Government Bond holder has the right to
Indonesia. Setiap pemegang Obligasi Negara receive fixed income through periodic coupons
Ritel berhak mendapatkan pendapatan tetap given by Retail Government Bonds and the
melalui kupon yang diberikan Obligasi Negara principal value to be repaid at maturity.
Ritel tersebut secara berkala serta nilai pokok
yang akan dibayarkan kembali pada saat jatuh
tempo.
Produk-produk yang ditawarkan foreign The products offered by foreign exchange trading
exchange trading adalah: are:
1. Transaksi dengan kontrak peyelesaian 1. Transactions with contracts to settle transactions
transaksi pada hari yang sama (TOD). on the same day (TOD).
2. Transaksi dengan kontrak penyelesaian 2. Transactions with transaction settlement
transaksi 1 (satu) hari kerja (TOM). contracts 1 (one) working day (TOM).
3. Transaksi dengan kontrak penyelesaian 3. Transactions with transaction settlement
transaksi 2 (dua) hari kerja (SPOT). contracts 2 (two) working days (SPOT).
dan nilai tukar yang ditentukan pada saat determined at the time the transaction is carried
transaksi dilaksanakan. out.
bjb Forex dan Derivatif Line bjb Forex and Derivatif Line
Fasilitas untuk melakukan transaksi Foreign Is a facility for conducting Foreign Exchange (FX)
Exchange (FX). Dengan fitur produk berupa transactions. With product features in the form of
sifat kredit yang Uncommitted dan Advised, Uncommitted and Advised credit properties, credit
fasilitas kredit diberikan dalam mata uang USD facilities are given in USD (US Dollar) and the credit
(US Dollar) dan jangka waktu fasilitas kredit facility is a maximum of 1 (one) year.
maksimum 1 (satu) tahun.
Surat Kredit Berdokumen Dalam Negeri Surat Kredit Berdokumen Dalam Negeri
(SKBDN) (SKBDN)
Jaminan kepada pihak pembeli (applicant) bahwa It is a guarantee to the buyer (applicant) that the
pembayaran hanya akan dilakukan setelah payment will only be made after the document
dokumen yang dipresentasikan sesuai dengan presented is in accordance with the requirements
persyaratan yang disepakati oleh kedua belah agreed upon by both parties between the seller
pihak antara penjual (beneficiary) dan pembeli (beneficiary) and the buyer (applicant). The funding
(applicant). Adapun fasilitas pendanaan atas facilities for SKBDN provided by bank bjb include:
SKBDN yang disediakan oleh bank bjb meliputi:
• Pre-Financing • Pre-Financing
• Post-Financing • Post-Financing
bagi pembiayaan perdagangan jangka who need funds for short-term trade finance
pendek untuk memenuhi kebutuhan to meet working capital requirements
modal kerja (pembelian bahan baku, (purchase of raw materials, production
aktivitas produksi dan lain-lain) sebelum activities, etc.) before shipping goods related
pengapalan barang yang terkait dengan to the export schedule and can be given
jadwal ekspor dan dapat diberikan baik either on the basis of L / C (Letter of Credit).
atas dasar L/C (Letter of Credit).
b. Post Shipment Financing (Post-SF) b. Post Shipment Financing (Post-SF)
bank bjb menyediakan Post Shipment bank bjb provides Post Shipment Financing
Financing yang merupakan pembiayaan which is a competitive short-term trade
perdagangan jangka pendek yang financing aimed at exporters who have
kompetitif ditujukan bagi eksportir yang shipped goods on the basis of L/C (Letter of
telah melakukan pengapalan barang atas Credit).
dasar L/C (Letter of Credit).
5. Documentary Collection 5. Documentary Collection
Jasa lain yang ditawarkan oleh bank bjb Other services offered by bank bjb are providing
adalah memberikan jasa penagihan tagihan export billing document collection services for
dokumen ekspor untuk kepentingan the benefit of exporters who provide guarantees
eksportir yang memberikan jaminan kepada to sellers/exporters to continue to have power
penjual/eksportir untuk tetap memiliki kuasa over goods/documents until receipt of payment
atas barang/dokumen sampai diterima or acceptance of the draft by the importer
pembayaran atau akseptasi atas draft oleh through the bank.
importir melalui banknya.
6. Transferable L/C 6. Transferable L/C
bank bjb memfasilitasi eksportir yang bank bjb facilitates exporters who act as
bertindak sebagai perantara (1st benficiary intermediaries (1st benficiary of L/C) to benefit
dari L/C) untuk mendapat keuntungan through exchanging invoices on the basis of
melalui penukaran invoice atas dasar Transferable L/C (Letter of Credit). Transferable
Transferable L/C (Letter of Credit). Transferable L/C can be transferred from the first recipient to
L/C dapat ditransfer dari penerima pertama one or more second recipients (2nd beneficiary).
kepada satu atau lebih penerima kedua bank bjb will issue L/C for its Transferable L/C
(2nd beneficiary). bank bjb akan melakukan master.
penerbitan L/C atas master Transferable L/C-
nya.
7. Bill Collection Financing dan Open Account 7. Bill Collection Financing and Open Account
Financing Financing
Pembiayaan yang dilakukan oleh bank bjb The financing carried out by the bank bjb to the
kepada pihak Eksportir sehubungan dengan Exporter in connection with the implementation
pelaksanaan perdagangan internasional. of international trade.
8. Risk Participation 8. Risk Participation
Transaksi penjualan/pembelian asset Asset sales/purchase transactions or bills
atau tagihan antara Bank dengan Bank between Banks and domestic and foreign
Koresponden dalam dan luar negeri yang Correspondent Banks that meet acceptances
memenuhi kriteria akseptasi, dan salah
satu pihak menawarkan (sebagai Pemberi)
dan pihak lainnya menerima tawaran
(sebagai Peserta) untuk berpastisipasi dalam criteria, and one party offers (as a Giver) and the
pengambil alihan risiko suatu transaksi yang other party accepts an offer (as a Participant)
dilakukan oleh pemberi dengan obligor/ to participate in taking risks. giver with certain
pihak tertagih tertentu. obligor/collectible parties.
9. Forfaiting 9. Forfaiting
Merupakan pembelian tanpa hak regres It is a purchase without recourse to the previous
kepada pemegang terdahulu dari suatu holder of a debt instrument in the form of a
instrumen utang dalam bentuk draft, draft, promissory note, or other that will be due
promisory notes, atau lainnya yang akan jatuh in the future based on the trade in goods or
tempo pada masa mendatang berdasarkan services.
perdagangan barang atau jasa.
LAYANAN SERVICE
Kartu ATM/Debit bank bjb Bank ATM/Debit Card bjb
Kartu ATM/Debit Visa bank bjb dapat digunakan ATM/Debit Card A bank bjb visa can be used by
oleh nasabah bank bjb untuk bertransaksi bank bjb customers to transact on Visa Networks
di Jaringan Visa di seluruh dunia, pada mesin around the world, on Automated Teller Machine
Automated Teller Machine (ATM) maupun pada (ATM) machines or at merchants who use Electronic
merchant yang menggunakan mesin Electronic Data Capture (EDC) machines with Visa logo.
Data Capture (EDC) berlogo Visa. Nasabah Customers can have an ATM/Debit Card facility
dapat memiliki fasilitas Kartu ATM/Debit Visa for bank bjb Visa after having a savings account
bank bjb setelah memiliki rekening-rekening account and/or bank bjb account which is an
simpanan tabungan dan/atau giro bank bjb individual deposit in Rupiah.
yang merupakan simpanan perorangan dalam
mata uang Rupiah.
mencicil melalui tabungan dengan mekanisme savings with an automatic debit mechanism at the
debet otomatis pada saat jatuh tempo time of payment due.
pembayaran pajak.
Laku Pandai bjb BiSA Laku Pandai bjb BiSA
bjb BiSA merupakan perluasan layanan bank bjb BiSA is an expansion of bank bjb services, where
bjb, dimana bank bjb menjalin kerjasama bank bjb cooperates with bank bjb customers as
dengan nasabah bank bjb sebagai Agen yang agents who can serve banking transactions for the
dapat melayani transaksi perbankan bagi public in real time online using the bjb EDC feature
masyarakat secara real time online menggunakan with the concept of sharing fees.
fitur bjb EDC dengan konsep sharing fee.
Indonesia. Fasilitas Payment Service yang collaboration with various billers throughout
telah dilaksanakan oleh bank bjb adalah Indonesia. Payment Service facilities that have
sebagai berikut: been implemented by bank bjb are as follows:
a. bjb Edupay: Layanan Pembayaran Biaya a. bjb Edupay: Education Fee Payment
Pendidikan. Service
b. bjb Water Bills: Layanan Pembayaran b. bjb Water Bills: Drinking Water Bill Payment
Tagihan Air Minum. Service
c. bjb Multifinance Payment: Layanan c. bjb Multifinance Payment: Payment Services
Pembayaran Angsuran Multifinance. Multifinance Installments
d. bjb Hospital Payment: Layanan d. bjb Hospital Payment: Hospital Patient Bill
Pembayaran Tagihan Pasien Rumah Sakit. Payment Service
e. bjb e-Ticket: Layanan Pembayaran Tiket e. bjb e-Ticket: Train Ticket and Airplane
Kereta Api dan Pesawat Terbang. Payment Service
f. bjb Retribusi Perizinan: Layanan f. bjb Licensing Levy: Licensing Levy Payment
Pembayaran Retribusi Perizinan. Service.
g. Pembayaran BPJS Ketenagakerjaan: g. BPJS Employment Payment: Payment
Layanan Penerimaan Pembayaran Iuran Receipt Service Membership Fee and
Kepesertaan dan Pembayaran Klaim Payment of BPJS Employee Insurance
Asuransi Peserta BPJS Ketengakerjaan. Claims.
5. bjb Pickup and Delivery Service 5. bjb Pickup and Delivery Service
Layanan bjb cash management service yang It is a bjb cash management service that
membantu nasabah untuk mengelola helps customers manage cash collection and
pengambilan dan pengiriman dana tunai. delivery. The Pick-up and Delivery Service to
Layanan Pick-up dan Delivery Service kepada the Customer can be carried out by the nearest
Nasabah dapat dilakukan oleh Kantor bank bjb Branch Office or the appointed Third
Cabang bank bjb terdekat atau Pihak Ketiga Party (Vendor).
(Vendor) yang telah ditunjuk.
tersedia dalam berbagai ukuran sesuai dengan competitive rental rates and is available in various
kebutuhan nasabah. sizes according to customer needs.
Inkaso Inkaso
Layanan bank bjb berupa jasa yang diberikan Bank bjb service is in the form of services provided
kepada nasabah untuk menagihkan warkat bank to customers to collect bank notes interested
tertarik tanpa melalui proses kliring. Warkat without going through the clearing process. Items
yang digunakan dalam transaksi inkaso terdiri used in the collection transaction consist of Checks
dari Cek dan Bilyet Giro. Beberapa keuntungan and Bilyet Giro. Some of the benefits provided
yang diberikan oleh inkaso diantaranya dapat by collections can be carried out in all Branch
dilaksanakan diseluruh Kantor Cabang, tersedia Offices, available to customers and non-customers,
bagi nasabah maupun non nasabah dan and Ease of transaction payment for scripts at
Kemudahan dalam bertransaksi pembayaran competitive costs.
atas warkat-warkat dengan biaya yang
kompetitif.
tujuan dalam hitungan menit, selama can be effectively received at the destination
transaksi dilakukan sebelum batas waktu. bank in minutes, as long as the transaction is
carried out before the deadline.
Layanan Western Union bank bjb Layanan Western Union bank bjb
Sarana pengiriman dan penerimaan uang Is a means of sending and receiving money
dari Indonesia ke luar negeri, luar negeri ke from Indonesia to foreign countries, overseas to
Indonesia maupun antar kota di Indonesia Indonesia and between cities in Indonesia quickly
secara cepat (real time on line). (real time online).
Sumatera Utara
North Sumatera
Riau
Riau Kepulauan Riau
Kepulauan Riau Kalimantan Timur
East Kalimantan
Kalimantan Selatan
South Kalimantan
Sumatera Selatan
South Sumatera
Lampung
Lampung
Banten
Banten
Jawa Barat
West Java Jawa Timur
East Java
DKI Jakarta
DKI Jakarta
Jawa Tengah
Central Java
Bali
Bali
Jenis Kantor Other office networks 2019 2018 2017 2016 2015
Kantor Pusat Head Office 1 1 1 1 1
Kantor Wilayah Regional Office 5 5 5 5 4
Kantor Cabang Branch Office 65 65 65 63 62
Kantor Cabang Pembantu Sub-branch Office 316 314 309 311 312
Kantor Kas Cash Office 351 349 340 337 326
Jaringan kantor lainnya Other office networks
ATM ATM 1,734 1,526 1,386 1,216 1,204
bjb Precious bjb Precious 18 16 11 11 11
Weekend Banking Weekend Banking 12 11 11 12 12
Cash Recycle Machine Cash Recycle Machine 3 - - - -
Sentra UMKM MSME Center 6 6 6 6 6
TOTAL 2,511 2,293 2,134 1,956 1,938
Jenis Kantor
Type of Office
Kantor Jaringan Kantor Lainnya
Wilayah Area Kantor Kantor
Cabang Other Office Network
Cabang Kas
Pembantu ATM bjb Weekend
Branch Cash
Sub-branch Precious Banking
Kantor Wilayah I Office Area I 17 99 108 510 5 6
Kantor Wilayah II Office Area II 17 89 76 408 6 2
Kantor Wilayah III Office Area III 13 64 100 384 3 2
Kantor Wilayah IV Office Area IV 10 51 66 350 2 2
Kantor Wilayah V Office Area V 8 13 1 82 2 0
TOTAL 65 316 351 1,734 18 12
Sulawesi Selatan
South Sulawesi
Inovasi Outlet
Outlet Innovation
Benefit yang dinikmati oleh nasabah bjb Precious The benefits enjoyed by the bjb Precious customers
sangat banyak dan beragam antara lain, layanan are numerous and varied, such as financial
konsultasi keuangan dan pengelolaan aset, advisory services and asset management, overseas
layanan konsultasi kesehatan dan pendidikan health and education consulting services, airport
di luar negeri, fasilitas airport lounge, bingkisan lounge facilities, special gifts at each religious
spesial di setiap perayaan hari raya keagamaan holiday celebration and various other advantages.
dan berbagai keunggulan lainnya.
Selain pembaruan fasilitas pada layanan bjb Digi, Other than facility updates on the bjb Digi service,
pembaruan fasilitas juga ditambahkan dalam facility updates are also added on bank bjb official
situs web resmi bank bjb. Fitur Chatbot dalam website. The Chatbot feature on the official bank
situs web resmi bank bjb ini merupakan layanan bjb website is a banking application based chat
perbankan berbasis aplikasi chatting yang dapat application that can be accessed directly by the
diakses langsung oleh pengguna secara mobile user to find information about bank bjb and the
untuk mengetahui informasi mengenai bank services and promotions offered by bank bjb,
bjb serta layanan dan promosi yang ditawarkan making it easier for bank bjb customers to find
bank bjb, sehingga mempermudah nasabah various information besides using bjb Call.
bank bjb untuk mengetahui berbagai informasi
selain menggunakan bjb Call.
Inovasi juga dilakukan dalam layanan E-Tax Innovations were also made in bank bjb E-Tax
bank bjb untuk menyetorkan Pajak Bumi service to deposit the Rural and Urban Land and
dan Bangunan Perdesaan dan Perkotaan Building Tax (PBB-P2). bank bjb cooperation
(PBB-P2). Kerjasama bank bjb terkait Layanan related to Regional Tax Revenue Service with DKI
Penerimaan Pajak Daerah dengan Provinsi DKI Jakarta Province and 34 Cities and Regencies of
Jakarta dan 34 Kota dan Kabupaten wilayah West Java and Banten and 2 Cities outside West
Jawa Barat dan Banten serta 2 Kota di luar Java and Banten (Batam City and Pekanbaru City),
wilayah Jabar dan Banten ( Kota Batam dan especially PBB-P2 services, make taxpayers in the
Kota Pekanbaru) khususnya layanan PBB-P2 region able Make PBB-P2 payments online through
membuat Wajib Pajak di wilayah tersebut dapat the bjb Digi application.
melakukan pembayaran PBB-P2 secara online
melalui aplikasi bjb Digi.
bjb BiSA (Agen Laku Pandai) bjb BiSA (Agen Laku Pandai)
Layanan Laku Pandai bjb BiSA dapat Laku Pandai bjb BiSA can accommodate a variety
mengakomodasikan berbagai transaksi of banking transaction both existing and non-
perbankan baik nasabah eksisting maupun customer customers in remote areas. Smart
non nasabah di wilayah remote area. Layanan Behavior Services Bisa use Electronic Data Capture
Laku Pandai Bisa menggunakan sarana mesin (EDC) machines to be able to transact in real time
Electronic Data Capture (EDC) untuk dapat so that the service is more efficient and flexible
bertransaksi secara (realtime online) sehingga because they do not have to come to a bank office
pelayanan lebih efisien dan fleksibel karena located far away.
tidak harus datang ke kantor bank yang
lokasinya jauh.
Segmentasi individu yakni agen yang direkrut Individual segmentation, namely agents recruited
dari perorangan seperti petani, nelayan, from individuals such as farmers, fishermen, village
perangkat desa, pensiunan, guru, pedagang officials, retirees, teachers, traders and others. While
dan lainnya. Sedangkan kelompok antara lain groups include farmers and fishermen groups,
kelompok tani dan nelayan, Badan Usaha Milik Village-Owned Enterprises (Bumdes), companies
Desa (Bumdes), perusahaan dan instansi. and agencies.
Manfaat layanan laku pandai itu adalah layanan The benefits of smart behavior are banking services
perbankan lebih dekat, dapat menabung dan that are closer and able save and withdraw cash in
menarik tunai dalam jumlah tertentu dan a certain amount, and transactions are easier and
traksaksi lebih mudah dan bisa dilakukan di can be done anywhere. Agents can provide various
mana saja. Para Agen bisa memberikan layanan payment transaction services such as electricity,
berbagai transaksi pembayaran seperti listrik, telephone, credit, electricity, account opening, credit
telepon, pulsa, listrik, pembukaan rekening, card payments, balance information transactions
pembayaran kartu kredit, transaksi informasi and others.
saldo dan lainnya.
Struktur Organisasi
Organization Structure
Seiring dengan perkembangan bisnis Perseroan, Rapat Umum
Struktur Organisasi Perseroan telah mengalami Pemegang Saham
General Meeting of
beberapa kali perubahan. Perubahan terakhir Shareholders
di tahun 2019 Berdasarkan Surat Keputusan
Direksi No. 0859/SK/DIR-PS/2019 Tanggal 22
Juli 2019 tentang Struktur Organisasi bank bjb.
Direktur Utama
President Director
Yuddy Renaldi
Bisnis
Business
Beny Riswandi
Penyelamatan dan
Penyelesaian Kredit bjb university
Recovery and Credit Settlement Wahyu Hermana
Nelson Samosir
Kantor Wilayah
Regional Office
Kantor Cabang
Branch office
Dewan Komisaris
Board of Commissioners Komite Direksi: Komite Dewan Komisaris:
Board of Directors’ Committee Board of Commissioners’ Committee
Direktur - RiskManagement Committee - Audit Committee
Director
- Risk Capital Committee - Nomination & Remuneration Committee
SEVP - Credit Policy Committee - Risk Monitoring Committee
- Assets & Liabilities Committee - Governance Integrated Committee
Divisi - Information Technology Committee - Business & Credit Monitoring Committee
Division - Human Capital Committee
Unit
Credit Risk
Galis Prasetya
Pengendalian Keuangan
Change Management Office Corporate Secretary
Financial Control
Moch. Barkah Setyadi Muhammad Asadi Budiman
Nazaro Aulany Priyadi
Hukum
Legal
Mulyadi Mustofa
ah
ce
ng
e
VISI MISI
VISION MISSION
Menjadi 10 bank terbesar dan • Penggerak dan Pendorong Laju
berkinerja baik di Indonesia. Perekonomian Daerah.
• Melaksanakan Penyimpanan Uang
Becomes one of the 10 largest Daerah.
and high performance banks in • Salah Satu Sumber Pendapatan Asli
Indonesia
Daerah.
• Boosting and Driving the Rate of Local
Economy.
• Reserving Local Government Money.
• One of the Sources of Local Revenue.
Visi dan Misi ini telah disetujui dan ditetapkan oleh This vision and mission have been approved and
Dewan Komisaris dan Direksi melalui Forum yang determined by the Board of Commissioners and
diselenggarakan secara khusus untuk membahas Directors through a forum that was held specifically to
hal tersebut. discuss this matter.
Review Visi dan Misi Oleh Vision and Mission Review By Board
Dewan Komisaris dan Direksi of Commissioners and Directors
Dewan Komisaris dan Direksi senantiasa melakukan The Board of Commissioners and Directors always
telaah terhadap pencapaian Visi dan Misi Bank. review the achievement of the Bank’s Vision and Mission.
Secara periodik pencapaian Visi dan Misi di evaluasi Periodically, the achievement of the Vision and Mission
dengan menggunakan mekanisme penyusunan is evaluated using the mechanism for preparing the
Rencana Bisnis Bank yang memuat pencapaian Bank Business Plan that includes the achievement of
target, rencana strategis dan target kinerja satu targets, strategic plans and performance targets for the
tahun ke depan. Pada tahun 2019, Dewan Komisaris next year. In 2019, The Board of Commissioners and
dan Direksi menilai bahwa Visi dan Misi Bank masih Directors consider that the Bank’s Vision and Mission
relevan dengan kondisi dan tujuan Perseroan. are still relevant to the conditions and objectives of the
Pencapaian Visi dan Misi Perseroan telah sesuai Company . The achievement of the Company’s Vision
dengan arah dan tahapan yang telah ditetapkan and Mission is in accordance with the direction and
oleh Perseroan. stages set by the Company .
manajemen dengan menggali nilai-nilai yang tumbuh that grow and develop within the Bank. bank bjb
dan berkembang di dalam perusahaan. Budaya corporate culture must align with the vision and mission
perusahaan bank bjb harus selaras dengan visi of bank bjb and be adaptive to changes in the banking
dan misi bank bjb dan adaptif terhadap perubahan business. Therefore if the existing culture is in alignment
dunia perbankan. Oleh karena itu apabila budaya with the vision, mission, and development of the banking
yang telah ada sudah tidak sejalan dengan visi, misi, industry, it is necessary to perform cultural change by
dan perkembangan dunia perbankan, maka perlu exploring new values that emerge.
dilakukan perubahan budaya dengan menggali nilai-
nilai baru yang muncul.
Nilai-Nilai Budaya Perusahaan bank bjb adalah “GO bank bjb Corporate Values are “GO SPIRIT”.
SPIRIT”.
Service Excellence
S
1. Fokus pada Nasabah
2. Proaktif dan Cepat Tanggap dalam Memberikan Layanan Bernilai Tambah
1. Focus on the Customer
2. Proactive and Fast Response in Providing Value-Added Services
Professionalism
P
3. Bekerja Efektif, Efisien dan Bertanggung Jawab
4. Meningkatkan Kompetensi untuk Menghasilkan Kinerja Terbaik
3. Effective, Efficient and Responsible
4. Increasing Competence to Produce the Best Performance
Integrity
I
5. Jujur, Disiplin dan Konsisten
6. Memahami dan Melaksanakan Ketentuan yang Berlaku
5. Honest, Disciplined and Consistent
6. Understand and Implement Applicable Provisions
Respect
R
7. Menghormati dan Menghargai serta Terbuka terhadap Perbedaan
8. Memberi dan Menerima Pendapat yang Positif dan Konstruktif
7. Respect and Respect and Be Open to Differences
8. Giving and Receiving Positive and Constructive Opinions
Innovation
I
9. Kreatif dan Inovatif untuk Memberikan Solusi Terbaik
10. Melakukan Perbaikan Berkelanjutan
9. Creative and Innovative to Provide the Best Solution
10. Making Continuous Improvements
Trust
T
11. Berperilaku Positif dan Dapat Dipercaya
12. Membangun Sinergi untuk Mencapai Tujuan Perusahaan
11. Be Positive and Trustworthy
12. Building Synergy to Achieve Company Goals
Farid Rahman
Komisaris Utama Independen
President Independent Commissioner
Riwayat Pendidikan • Sarjana bidang Ekonomi jurusan Manajemen dari Universitas Indonesia (1983).
Educational • Master bidang Business Administration dari Golden State University, San Fransisco, Amerika Serikat (1987).
Background • Bachelor of Economics majoring in Management from Universitas Indonesia (1983).
• Master in Business Administration from Golden State University, San Francisco, United States of America (1987).
Sertifikasi Sertifikasi Manajemen Risiko Level 5 oleh Lembaga Sertifikasi Profesi Perbankan (LSPP) tanggal (2018).
Certification Level 5 Risk Management Certification by the Banking Professional Certification Institute (LSPP) dated (2018).
Riwayat Penunjukan Diangkat sebagai Komisaris Utama Independen Perseroan untuk pertama kalinya berdasarkan Akta RUPS No.
Appointment History 87 tanggal 30 April 2019 yang perubahannya ditetapkan berdasarkan Akta No. 42 tanggal 13 Desember 2019.
Appointed as the Independent Commissioner of the Company for the first time based on GMS Deed No. 87 April 30,
2019, the amendments of which are determined based on Deed No. 42 December 13, 2019
Periode Jabatan 30 April 2019 – tahun kelima sejak tanggal diangkat (periode pertama).
Position Period April 30, 2019 - fifth year from the date of appointment (first period).
Jabatan Rangkap Beliau merangkap jabatan sebagai Direktur PT Medco Inti Dinamika, yang dimana Perusahaan tersebut bukan
Double Function merupakan Lembaga Keuangan.
He concurrently serves as Director of PT Medco Inti Dinamika, which is not a financial institution.
Hubungan Afiliasi Tidak memiliki hubungan afiliasi baik dengan anggota Direksi, anggota Dewan Komisaris lainnya maupun
Affiliate Relations dengan pemegang saham pengendali dan utama.
Has no affiliation either with members of the Board of Directors, other members of the Board of Commissioners or
with controlling and principal shareholders.
Kepemilikan Saham -
bank bjb
Ownership bank bjb
shares
Fahlino F. Sjuib
Komisaris Independen
Independent Commissioner
Riwayat Pendidikan • Sarjana Ekonomi di Bidang Akuntansi dari Universitas Katolik Parahyangan Bandung (1996).
Educational Background • Master bidang Ekonomi dari Western Illinois University, Amerika Serikat (1998).
• Doktor bidang Ekonomi dari Kansas State University, Amerika Serikat (2003).
• Bachelor of Economics in Accounting from Universitas Katolik Parahyangan Bandung (1996).
• Master in Economics from Western Illinois University, USA (1998).
• Doctor of Economics from Kansas State University, USA (2003).
Sertifikasi Sertifikasi Manajemen Risiko Level 2 oleh Badan Sertifikasi Manajemen Risiko (BSMR) Jakarta (2019).
Certification Level 2 Risk Management Certification by the Jakarta Risk Management Certification Board (BSMR) (2019).
Pengalaman Kerja • Board Member EBCICON Universitas Katolik Parahyangan (2018 – saat ini).
Work Experience • Dosen Universitas Katolik Parahyangan (2019 – saat ini).
• Komisaris Independen bank bjb (2019 – saat ini).
• Board Member of EBCICON Univesitas Katolik Parahyangan (2018 - present).
• Lecturer at Universitas Katolik Parahyangan (2019 - present).
• Independent commissioner of bank bjb (2019 - present).
Riwayat Penunjukan Diangkat sebagai Komisaris Independen Perseroan untuk pertama kalinya berdasarkan Akta RUPS No. 87
Appointment History tanggal 30 April 2019 yang perubahannya ditetapkan berdasarkan Akta No. 42 tanggal 13 Desember 2019.
Appointed as an Independent Commissioner of the Company for the first time based on GMS Deed No. 87 April 30,
2019, the amendments of which are determined based on Deed No. 42 December 13, 2019.
Periode Jabatan 30 April 2019 – tahun kelima sejak tanggal diangkat (periode pertama).
Position Period April 30, 2019 - fifth year from the date of appointment (first period).
Jabatan Rangkap Beliau tidak memiliki jabatan di perusahaan maupun lembaga lain.
Double Function He does not have any position in another Company or institution.
Hubungan Afiliasi Tidak memiliki hubungan afiliasi baik dengan anggota Direksi, anggota Dewan Komisaris lainnya maupun
Affiliate Relations dengan pemegang saham pengendali dan utama.
Has no affiliation either with members of the Board of Directors, other members of the Board of Commissioners or
with controlling and principal shareholders.
Kepemilikan Saham -
bank bjb
Ownership bank bjb
shares
Yayat Sutaryat
Komisaris Independen
Independent Commissioner
Riwayat Pendidikan • Sarjana bidang Ilmu Pendidikan dan Pengetahuan Sosial (IPPS) dari IKIP Bandung (1980).
Educational Background • Sarjana bidang Hukum dari Universitas Islam Bandung (1987).
• Master bidang Administrasi Negara dari Universitas Garut (2000).
• Bachelor of Education and Social Sciences (IPPS) from IKIP Bandung (1980).
• Bachelor of Law from Universitas Islam Bantul (1987).
• Bachelor of State Administration from Universitas Garut (2000).
Sertifikasi • Sertifikasi Manajemen Risiko Level 2 oleh Badan Sertifikasi Manajemen Risiko (BSMR) Jakarta (2011).
Certification • Executive risk management refreshment program oleh Lembaga Pengembangan Perbankan Indonesia (LPPI),
Frankfurt (2018).
• Executive risk management refreshment program by Lembaga Pengembangan Perbankan Indonesia (LPPI),
Frankfurt (2018).
• Level 2 Risk Management Certification by the Jakarta Risk Management Certification Board (BSMR) (2011).
Pengalaman Kerja • Kepala Dinas Pendapatan dan Pengelolaan Keuangan Daerah (2007-2010).
Work Experience • Komisaris Utama PT CBS (2010-2011).
• Komisaris bank bjb (2011 – saat ini).
• Head of Regional Revenue and Financial Management Service (2007-2010).
• President Commissioner of PT CBS (2010-2011).
• bank bjb commissioner (2011 - present).
Riwayat Penunjukan Diangkat sebagai Komisaris independen Perseroan untuk pertama kalinya berdasarkan Akta RUPSLB No
Appointment History 74,75,76 tanggal 25 Juli 2011. Kemudian diangkat kembali berdasarkan Akta RUPS Tahunan No 117,118,119
tanggal 31 Maret 2015. Terakhir diangkat kembali berdasarkan Akta RUPS Tahunan No. 87 tanggal 30 April
2019.
Appointed as an Independent Commissioner of the Company for the first time based on Deed of RUPSLB No. 74.75.76
dated July 25, 2011. Then, he was reappointed based on Deed of AGMS No. 117,118,119 dated March 31, 2015.
Finally, he was reappointed based on Deed of Annual GMS No. 74,75,76 87 April 30, 2019.
Periode Jabatan 25 Juli 2011 – tahun kelima dari periode pengangkatan kembali tanggal 30 April 2019 (periode ketiga).
Position Period July 25, 2011 - fifth year of the reappointment period April 30, 2019 (third period).
Jabatan Rangkap Beliau tidak memiliki jabatan di perusahaan maupun lembaga lain.
Double Function He does not have any position in another Company or institution.
Hubungan Afiliasi Tidak memiliki hubungan afiliasi baik dengan anggota Direksi, anggota Dewan Komisaris lainnya maupun
Affiliate Relations dengan pemegang saham pengendali dan utama.
Has no affiliation either with members of the Board of Directors, other members of the Board of Commissioners or
with controlling and principal shareholders.
Kepemilikan Saham -
bank bjb
Ownership bank bjb
shares
Eddy I. M. Nasution
Komisaris
Commissioner
Riwayat Pendidikan • Sarjana bidang Teknik Sipil dari Institut Teknologi Bandung (1986).
Educational Background • Master bidang Ilmu Lingkungan dari IHE – DELFT Belanda (1992).
• Doktor bidang Studi Pembangunan dari Institut Teknologi Bandung (1992).
• Bachelor in Civil Engineering from Institut Teknologi Bandung (1986).
• Master of Environmental Sciences from IHE - DELFT Netherlands (1992).
• Doctor of Development Studies from Institut Teknologi Bandung (1992).
Sertifikasi Sertifikasi Manajemen Risiko Level 2 oleh Badan Sertifikasi Manajemen Risiko (BSMR) (2019).
Certification Level 2 Risk Management Certification by the Risk Management Certification Board (BSMR) (2019).
Pengalaman Kerja • Kepala Dinas Energi dan Sumber Daya Mineral di Dinas Energi dan Sumber Daya Mineral Provinsi Jawa Barat
Work Experience (2016-2017).
• Asisten Perekonomian dan Pembangunan di Sekretariat Daerah Provinsi Jawa Barat (2017 – saat ini).
• Komisaris bank bjb (2019- saat ini).
• Head of the Office of Energy and Mineral Resources at the Office of Energy and Mineral Resources of West Java
Province (2016-2017).
• Assistant for Economy and Development at the Regional Secretariat of West Java Province (2017 - present).
• bank bjb commissioner (2019-present).
Riwayat Penunjukan Diangkat sebagai Komisaris Independen Perseroan untuk pertama kalinya berdasarkan Akta RUPS No. 87
Appointment History tanggal 30 April 2019 yang perubahannya ditetapkan berdasarkan Akta No. 42 tanggal 13 Desember 2019.
Appointed as an Independent Commissioner of the Company for the first time based on GMS Deed No. 87 April 30,
2019, the amendments of which are determined based on Deed No. 42 December 13, 2019.
Periode Jabatan 30 April 2019 – tahun kelima sejak tanggal diangkat (periode pertama).
Position Period April 30, 2019 - fifth year from the date of appointment (first period).
Jabatan Rangkap Beliau merangkap jabatan sebagai Asisten Perekonomian dan Setda Jawa Barat yang saat ini sedang
Double Function menjalankan tugas fungsional dari pemegang saham Bank yang berbentuk badan hukum pada kelompok
usaha bank
He concurrently serves as Assistant Economy and Regional Secretary of West Java who is currently carrying out
functional duties from the Bank’s shareholders in the form of a legal entity in the bank business group.
Hubungan Afiliasi Tidak memiliki hubungan afiliasi baik dengan anggota Direksi, anggota Dewan Komisaris lainnya maupun
Affiliate Relations dengan pemegang saham pengendali dan utama.
Has no affiliation either with members of the Board of Directors, other members of the Board of Commissioners or
with controlling and principal shareholders.
Kepemilikan Saham -
bank bjb
Ownership bank bjb
shares
Muhadi
Komisaris
Commissioner
Riwayat Pendidikan • Sarjana bidang Teknik Geodesi dari Institut Teknologi Bandung (1981).
Educational Background • Master bidang Perencanaan Wilayah dan Kota dari Institut Teknologi Bandung (1990).
• Bachelor of Geodesy Engineering from Institut Teknologi Bandung (1981).
• Master in Regional and Urban Planning from Institut Teknologi Bandung (1990).
Sertifikasi Sertifikasi Manajemen Risiko Level 2 oleh Badan Sertifikasi Manajemen Risiko (BSMR) Jakarta (2014).
Certification Level 2 Risk Management Certification by the Jakarta Risk Management Certification Board (BSMR) (2014).
Riwayat Penunjukan Diangkat sebagai Komisaris Perseroan untuk pertama kalinya berdasarkan Akta RUPS Tahunan No. 14 tanggal
Appointment History 19 Nopember 2008. Kemudian diangkat kembali berdasarkan RUPSLB No. 74,75,76 tanggal 25 Juli 2011,
diangkat kembali berdasarkan Akta RUPS Tahunan No. 117,118,119 tanggal 31 Maret 2015. Terakhir diangkat
kembali berdasarkan RUPS Tahunan No. 87 tanggal 30 April 2019.
Appointed as the Company Commissioner for the first time based on Annual GMS Deed No. 14 dated 19 November
2008. Then, he was reappointed based on EGMS No. 74,75,76 dated July 25, 2011, was reappointed based on Annual
GMS Deed No. 117,118,119 on 31 March 2015. Finally, he was reappointed based on Annual GMS No. 87 April 30,
2019.
Periode Jabatan 19 Nopember 2008 – tahun kelima dari periode pengangkatan kembali tanggal 30 April 2019
Position Period (periode keempat).
November 19, 2008 - fifth year of the reappointment period April 30, 2019 (fourth period).
Jabatan Rangkap Beliau tidak memiliki jabatan di perusahaan maupun lembaga lain.
Double Function He does not have a position in another Company or institution.
Hubungan Afiliasi Tidak memiliki hubungan afiliasi baik dengan anggota Direksi, anggota Dewan Komisaris lainnya maupun
Affiliate Relations dengan pemegang saham pengendali dan utama.
Has no affiliation either with members of the Board of Directors, other members of the Board of Commissioners or
with controlling and principal shareholders.
Profil Direksi
Board of Directors Profile
Yuddy Renaldi
Direktur Utama
President Director
Riwayat Pendidikan • Sarjana bidang Ekonomi Akutansi dari Universitas Trisakti Jakarta (1990).
Educational Background • Master bidang Manajemen dari STIE IPWI Jakarta (2000).
• Bachelor of Economics in Accounting from Universitas Trisakti Jakarta (1990).
• Master of Management from STIE IPWI Jakarta (2000).
Riwayat Penunjukan Diangkat sebagai Direktur Perseroan untuk pertama kalinya berdasarkan RUPS Tahunan tanggal 30 April 2019.
Appointment History Appointed as Director of the Company for the first time based on the Annual GMS 30 April 2019.
Jabatan Rangkap Beliau tidak memiliki jabatan di perusahaan maupun lembaga lain.
Double Function He does not have a position in another Company or institution.
Hubungan Afiliasi Tidak memiliki hubungan afiliasi baik dengan anggota Direksi, anggota Dewan Komisaris lainnya maupun
Affiliate Relations dengan pemegang saham pengendali dan utama.
Has no affiliation either with members of the Board of Directors, other members of the Board of Commissioners or
with controlling and principal shareholders.
Kepemilikan Saham -
bank bjb
Ownership bank bjb
shares
Tedi Setiawan
Direktur Operasional
Director of Operations
Riwayat Pendidikan • Sarjana bidang Administrasi Negara dari Universitas Parahyangan Bandung (1991).
Educational Background • Master bidang Manajemen Keungan dari Universitas Pasundan Bandung (2017).
• Bachelor of State Administration from Universitas Parahyangan Bandung (1991).
• Master in Financial Management from Universitas Pasundan Bandung (2017).
Sertifikasi • Sertifikasi Manajemen Risiko Level 5 LSPP (2014).
Certification • Program Pemeliharaan Sertifikasi Manajemen Risiko BSMR (2018).
• Level 5 Risk Management Certification by LSPP (2014).
• Risk Management Certification Maintenance Program by BSMR (2018).
Pengalaman Kerja • Pemimpin Divisi Perencanaan Strategis (2015-2018).
Work Experience • Senior Executive Vice President Credit Risk (2018-2019).
• Head of Strategic Planning Division (2015-2018).
• Senior Executive Vice President Credit Risk (2018-2019).
Riwayat Penunjukan Diangkat sebagai Direktur Perseroan untuk pertama kalinya berdasarkan RUPS Tahunan tanggal 30 April 2019.
Appointment History Appointed as Director of the Company for the first time based on the Annual GMS 30 April 2019.
Hubungan Afiliasi Tidak memiliki hubungan afiliasi baik dengan anggota Direksi, anggota Dewan Komisaris lainnya maupun
Affiliate Relations dengan pemegang saham pengendali dan utama.
Has no affiliation either with members of the Board of Directors, other members of the Board of Commissioners or
with controlling and principal shareholders.
Kepemilikan Saham -
bank bjb
Ownership bank bjb
shares
Rio Lanasier
Direktur Information Technology, Treasury dan
International Banking
Director of Information Technology, Treasury and International Banking
Riwayat Pendidikan • Sarjana bidang Teknik Sipil dari Universitas Katolik Parahyangan Bandung (1998).
Educational Background • Master bidang Civil & Environment Engineering dari University of New South Wales Sydney Australia (2000).
• Bachelor of Civil Engineering from Universitas Katolik Parahyangan (1998)
• Master in Civil & Environment Engineering from University of New South Wales Sydney Australia (2000).
Sertifikasi Refreshment Program Treasury Dealer & Risk Management How To Mitigate Market Risk In Banks, Jakarta (2019).
Certification Refreshment Program Treasury Dealer & Risk Management How To Mitigate Market Risk In Banks, Jakarta (2019).
Pengalaman Kerja Direktur Treasury, Financial Institution, Funding & Fintech Solution (2016-2019).
Work Experience Director of Treasury, Financial Institution, Funding & Fintech Solution (2016-2019).
Riwayat Penunjukan Diangkat sebagai Direktur Perseroan untuk pertama kalinya berdasarkan RUPS Tahunan tanggal 30 April 2019.
Appointment History Appointed as director of the Company for the first time based on the Annual GMS 30 April 2019.
Jabatan Rangkap Beliau tidak memiliki jabatan di perusahaan maupun lembaga lain.
Double Function He does not have a position in another Company or institution.
Hubungan Afiliasi Tidak memiliki hubungan afiliasi baik dengan anggota Direksi, anggota Dewan Komisaris lainnya maupun
Affiliate Relations dengan pemegang saham pengendali dan utama.
Has no affiliation either with members of the Board of Directors, other members of the Board of Commissioners or
with controlling and principal shareholders.
Kepemilikan Saham -
bank bjb
Ownership bank bjb
shares
Agus Mulyana
Direktur Kepatuhan
Director of Compliance
Riwayat Pendidikan • Sarjana bidang Ekonomi dari STIE YPKP Bandung (1990).
Educational Background • Master bidang Manajemen dari Universitas Padjajaran Bandung (2007).
• Bachelor of Economics from STIE YPKP Bandung (1990).
• Master of Management from Universitas Padjadjaran Bandung (2007).
Riwayat Penunjukan Diangkat sebagai Direktur Perseroan untuk pertama kalinya berdasarkan Akta RUPSLB No. 110, 111 tanggal 29
Appointment History Mei 2015.
Appointed as director of the Company for the first time based on Deed of EGMS No. 110, 111 dated May 29, 2015.
Periode Jabatan 25 Mei 2015 – saat ini (periode pertama).
Position Period May 25, 2015 - present (first period).
Jabatan Rangkap Beliau tidak memiliki jabatan di perusahaan maupun lembaga lain.
Double Function He does not have a position in another Company or institution.
Hubungan Afiliasi Tidak memiliki hubungan afiliasi baik dengan anggota Direksi, anggota Dewan Komisaris lainnya maupun
Affiliate Relations dengan pemegang saham pengendali dan utama.
Has no affiliation either with members of the Board of Directors, other members of the Board of Commissioners or
with controlling and principal shareholders.
Kepemilikan Saham 227,392 lembar saham
bank bjb 227,392 shares
Ownership bank bjb
shares
Suartini
Direktur Konsumer dan Ritel
Director of Consumer and Retail
Riwayat Pendidikan Sarjana Bidang Statistika dari Universitas Padjadjaran Bandung (1993).
Educational Background Bachelor of Statistics from Universitas Padjadjaran Bandung (1993).
Riwayat Penunjukan Diangkat sebagai Direktur Perseroan untuk pertama kalinya berdasarkan Akta RUPS Tahunan No. 105, 104
Appointment History tanggal 28 Februari 2018.
Appointed as director of the Company for the first time based on Annual GMS Deed No. 105, 104 on February 28, 2018.
Jabatan Rangkap Beliau tidak memiliki jabatan di perusahaan maupun lembaga lain.
Double Function He does not have a position in another Company or institution.
Hubungan Afiliasi Tidak memiliki hubungan afiliasi baik dengan anggota Direksi, anggota Dewan Komisaris lainnya maupun dengan
Affiliate Relations pemegang saham pengendali dan utama.
Has no affiliation either with members of the Board of Directors, other members of the Board of Commissioners or with
controlling and principal shareholders.
Nia Kania
Direktur Keuangan dan Manajemen Risiko
Director of Finance and Risk Management
Riwayat Pendidikan Sarjana Bidang Ekonomi dari Universitas Padjadjaran Bandung (1990).
Educational Background Bachelor of Economics from Universitas Padjadjaran Bandung (1990).
Sertifikasi International Risk Management Refreshment program for Executive High Level Strategic on IFRS 9.
Certification International Risk Management Refreshment program for Executive High Level Strategic on IFRS 9.
Pengalaman Kerja • Direktur Utama Dana Pensiun bank bjb (2013-2014).
Work Experience • Pemimpin Divisi Jaringan dan Layanan bank bjb (2014).
• Direktur Keuangan bank bjb (2014-2018).
• Direktur Keuangan dan Manajemen Risiko bank bjb (2018 – saat ini).
• Managing Director of Pension Fund bank bjb (2013-2014).
• Head of the Network and Services Division of bank bjb (2014).
• Finance Director of bank bjb (2014-2018).
• Director of Finance and Risk Management of bank bjb (2018 - present).
Riwayat Penunjukan Diangkat sebagai Direktur Perseroan untuk pertama kalinya berdasarkan Akta RUPS Tahunan No. 105, 104
Appointment History tanggal 28 Februari 2018.
Appointed as Director of the Company for the first time based on Annual GMS Deed No. 105, 104 on February 28,
2018.
Periode Jabatan 28 Februari 2018 – saat ini (periode pertama).
Position Period February 28, 2018 - present (first period).
Jabatan Rangkap Beliau tidak memiliki jabatan di perusahaan maupun lembaga lain.
Double Function He does not have a position in another Company or institution.
Hubungan Afiliasi Tidak memiliki hubungan afiliasi baik dengan anggota Direksi, anggota Dewan Komisaris lainnya maupun
Affiliate Relations dengan pemegang saham pengendali dan utama.
Has no affiliation either with members of the Board of Directors, other members of the Board of Commissioners or
with controlling and principal shareholders.
Kepemilikan Saham 227,392 lembar saham
bank bjb 227,392 shares
Ownership bank bjb
shares
Warga Negara Indonesia, berdomisili di Bekasi. Warga negara Indonesia, berdomisili di Jakarta.
Lahir pada 01 Agustus 1969 saat ini berusia Lahir pada 15 Oktober 1976 saat ini berusia
50 tahun. Meraih gelar Sarjana di bidang ilmu 43 tahun. Meraih gelar Sarjana di bidang
Akuntansi dari Universitas Diponegoro pada ilmu Hubungan Internasional dari Universitas
tahun 1995. Mendapat gelar Magister di bidang Padjadjaran pada tahun 1998. Mendapat gelar
ilmu Manajemen dari Universitas Trisakti pada Master di bidang ilmu International Business
tahun 2006. Menjabat sebagai Pemimpin Divisi dari Aston University pada tahun 2001. Menjabat
Information Technology sejak tahun 2019 sebagai Pemimpin Divisi Dana & Jasa Konsumer
berdasarkan Surat Keputusan Direksi No. 0871/ sejak tahun 2018 berdasarkan Surat Keputusan
SK/HC-RPK/2019. Direksi No. 1135/SK/DIR-HC/2018.
An Indonesian citizen, domiciled in Bekasi. Born An Indonesian citizen, domiciled in Jakarta. Born
on August 1, 1969 at 50 years old. He earned a on October 15, 1976, currently 43 years old.
Bachelor’s degree in Accounting from Diponegoro He earned a Bachelor’s degree in International
University in 1995. He earned a Master’s degree Relations from Padjadjaran University in 1998.
in Management from Trisakti University in 2006. Received a Master’s degree in International
Served as Head of the Information Technology Business from Aston University in 2001. Served as
Division since 2019 based on Directors Decree No. Head of the Consumer Funds & Services Division
0871 / SK / HC-RPK / 2019. since 2018 based on Directors Decree No. 1135 /
SK / DIR-HC / 2018.
Warga negara Indonesia, berdomisili di Bandung. Warga Negara Indonesia, berdomisili di Bogor.
Lahir pada 23 Januari 1970 saat ini berusia 49 Lahir pada 10 Oktober 1968 saat ini berusia
tahun. Meraih gelar Sarjana di bidang ilmu Teknik 51 tahun. Meraih gelar Sarjana di bidang
dan Manajemen Industri dari Universitas Islam ilmu Akuntansi dari Universitas Mercu Buana
Bandung pada tahun 1996. Mendapat gelar pada tahun 1999. Mendapat gelar Magister
Magister di bidang ilmu Manajemen Keuangan di bidang ilmu Manajemen dari STIE IPWIJA
dari Universitas Padjadjaran pada tahun 2009. pada tahun 2003. Menjabat sebagai Pemimpin
Menjabat sebagai Pemimpin Divisi Treasury Divisi Operasi sejak 2019 berdasarkan Surat
sejak 2018 berdasarkan Surat Keputusan Direksi Keputusan Direksi No. 0871/SK/HC-RPK/2019.
No. 1135/SK/DIR-HC/2018.
An Indonesian citizen, domiciled in Bogor. Born
An Indonesian citizen, domiciled in Bandung. Born on October 10, 1968 at 51 years old. He earned a
on January 23, 1970 at this time is 49 years old. He Bachelor’s degree in Accounting from Mercu Buana
held a Bachelor’s degree in Industrial Engineering University in 1999. Received a Master’s degree in
and Management from the Islamic University of Management from STIE IPWIJA in 2003. Served as
Bandung in 1996. Obtained his Master’s degree Head of Operations Division since 2019 based on
in Financial Management from Padjadjaran Directors Decree No. 0871 / SK / HC-RPK / 2019.
University in 2009. Served as Leader of the Treasury
Division since 2018 based on Directors Decree No.
1135 / SK / DIR-HC / 2018.
Warga negara Indonesia, berdomisili di Bandung. Warga negara Indonesia, berdomisili di Bandung.
Lahir pada 13 September 1977 saat ini berusia Lahir pada 19 Mei 1967 saat ini berusia 52
42 tahun. Meraih gelar Sarjana di bidang ilmu tahun. Meraih gelar Sarjana di bidang Akuntansi
Manajemen dari Universitas Widyatama pada dari STIE Tridharma pada tahun 2008. Menjabat
tahun 2000. Mendapat gelar Magister di bidang sebagai Pemimpin Divisi Jaringan dan Layanan
ilmu Manajemen Keuangan dari Universitas sejak 2019 berdasarkan Surat Keputusan
Padjadjaran pada tahun 2019. Menjabat sebagai Direksi No. 0871/SK/HC-RPK/2019.
Pemimpin Divisi Hubungan Kelembagaan sejak
2019 berdasarkan Surat Keputusan Direksi An Indonesian citizen, domiciled in Bandung.
0871/SK/HC-RPK/2019. Born on May 19, 1967, currently 52 years old. He
earned a Bachelor’s degree in Accounting from STIE
An Indonesian citizen, domiciled in Bandung. Born Tridharma in 2008. Served as Head of Network
on September 13, 1977, currently 42 years old. He and Service Division since 2019 based on Directors
earned a Bachelor’s degree in Management from Decree No. 0871 / SK / HC-RPK / 2019.
Widyatama University in 2000. Obtained a Master’s
degree in Financial Management from Padjadjaran
University in 2019. Served as Head of Institutional
Relations Division since 2019 based on Directors
Decree 0871 / SK / HC-RPK / 2019 .
Yusuf Saadudin
Divisi KPR & KKB
House Loan (KPR) & Auto Loan (KKB)
An Indonesian citizen, domiciled in Jakarta, was Indonesian citizen, domiciled in Bandung. Born
born on December 29, 1979, currently 40 years old. on April 5, 1977 at 42 years old. Graduated with a
He earned a Bachelor’s degree in Accounting from Bachelor’s degree in Management from Universitas
2003 at Padjadjaran University. Got a Masters Indonesia in 2002. Obtained a Master’s degree in
degree in Business Administration in 2009 at the Accounting from Universitas Indonesia in 2005.
Bandung Institute of Technology. Served as Head Served as a Financial Institution Pension Fund Unit
of the Policy and Procedure Unit since 2018 based Leader since 2017 based on Directors Decree No
on Directors Decree No. 0475 / SK / DIR-HC / 2018. 0755/SK/DIR-HC/2017.
2019 2018
Level Jabatan Pria Wanita Total Pria Wanita Total Level Position
Male Female Total Male Female Total
Staf 2,538 2,893 5,431 2,542 2,869 5,411 Staf
First Line Management 632 1,419 1,419 717 637 1,354 First Line Management
Middle Management 451 207 658 469 216 685 Middle Management
Senior Management 161 35 161 120 36 156 Senior Management
Executive Management 29 3 32 38 3 31 Executive Management
Jumlah 3,931 3,770 7,701 3,876 3,761 7,637 Total
2019 2018
Tingkat Pendidikan Pria Wanita Total Pria Wanita Total Education level
Male Female Total Male Female Total
Sampai dengan SMA 1 0 1 1 0 1 Up to high school
Diploma 314 590 904 319 557 876 Diploma
Sarjana 3,183 2,989 6,172 3,202 3,042 6,244 Bachelor
Pasca Sarjana 433 191 624 354 162 516 Master
Jumlah 3,931 3,770 7,701 3,876 3,761 7,637 Total
2019 2018
Status Kepegawaian Pria Wanita Total Pria Wanita Total Status of Staffing
Male Female Total Male Female Total
Pegawai Tetap 3,931 3,770 7,701 3,872 3,759 7,631 Permanent Employee
PKWT 12 6 18 4 2 6 PKWT
Jumlah 3,943 3,776 7,719 3,876 3,761 7,637 Total
2019 2018
Direktorat Pria Wanita Total Pria Wanita Total Directorate
Male Female Total Male Female Total
Direktorat IT, Treasury dan - Directorate of IT, Treasury and
206 89 295 - -
International Banking* International Banking *
Direktorat Kepatuhan* 58 31 89 - - - Directorate of Compliance *
Direktorat Kepatuhan dan 105 Directorate of Compliance and Risk
- - - 65 40
Manajemen Risiko Management
Direktorat Keuangan - - - 221 88 309 Directorate of Finance
Direktorat Keuangan dan - Directorate of Finance and Risk
191 74 265 - -
Manajemen Risiko* Management *
Direktorat Komersial dan UMKM* 88 61 149 1 1 Directorate of Commercial and MSME *
Direktorat Konsumer dan Ritel* 97 105 202 90 100 190 Directorate of Consumer and Retail *
Direktorat Operasional* 207 110 317 595 314 909 Directorate of Operations *
Direktorat Utama* 153 95 248 142 100 242 Main Directorate *
Direktorat Mikro - - - 148 93 241 Directorate of Micro
Kantor Cabang 2,931 3,205 6,136 2,614 3,026 5,640 Branch office
Jumlah 3,931 3,770 7,701 3,876 3,761 7,637 Total
2019 2018
Wilayah Pria Wanita Total Pria Wanita Total Area
Male Female Total Male Female Total
Kantor Pusat 1,000 565 1,565 1,262 735 1,997 Headquarters
Kantor Wilayah 1 926 1,127 2,053 817 1,061 1,878 Regional Office 1
Kantor Wilayah 2 639 729 1.368 572 720 1,292 Regional Office 2
Kantor Wilayah 3 742 667 1.409 650 625 1,275 Regional Office 3
Kantor Wilayah 4 452 490 942 422 459 881 Regional Office 4
Kantor Wilayah 5 172 192 364 153 161 314 Regional Office 5
Jumlah 3,931 3,770 7,701 3,876 3,761 7,637 Total
2019 2018
Rentang Usia Age Range Pria Wanita Total Pria Wanita Total
Male Female Total Male Female Total
18-30 18-30 1,492 2,131 3,604 1,763 2,414 4,177
31-40 31-40 1,968 1,424 3,407 1,676 1,144 2,820
41-50 41-50 370 168 540 349 173 522
>50 >50 101 47 150 88 30 118
Jumlah Total 3,931 3,770 7,701 3,876 3,761 7,637
2019 2018
Masa Kerja Years of Service Pria Wanita Total Pria Wanita Total
Male Female Total Male Female Total
1< TH 1< TH 212 296 509 195 287 482
1-3 TH 1-3 TH 533 636 1,172 741 677 1.418
4-15 TH 4-15 TH 2,834 2,652 5,563 2,622 2,630 5,252
16-25 TH 16-25 TH 262 122 303 217 101 318
>25 TH >25 TH 90 64 154 101 66 167
Jumlah Total 3,931 3,770 7,701 3,876 3,761 7,637
Information Technology 28
Total 6,036
Finance and Accounting Meningkatkan kompetensi untuk 18
FIRST LINE Manajemen SDM / HR tiap-tiap bidang yang sesuai
2
MANAGEMENT Management dengan jenis pelatihan
1,419 67.86%
FIRST LINE
Perbankan dan Risk Improving competencies for each
MANAGEMENT
Management / Banking and field in accordance with the type 1,979
Risk Management of training
Total 1,999
Finance and Accounting 91
Corporate Governance 154
Meningkatkan kompetensi untuk
General tiap-tiap bidang yang sesuai 61
MIDDLE dengan jenis pelatihan
MANAGEMENT
Manajemen SDM / HR
Improving competencies for each 63 658 92.25%
MIDDLE Management
MANAGEMENT field in accordance with the type
Perbankan dan Risk
of training
Management / Banking and 971
Risk Management
Information Technology 82
Total 1,422
Finance and Accounting 38
Corporate Governance 9
General Meningkatkan kompetensi untuk 9
SENIOR tiap-tiap bidang yang sesuai
MANAGEMENT
Manajemen SDM / HR dengan jenis pelatihan 60 161 96.89%
SENIOR Management Improving competencies for each
MANAGEMENT Perbankan dan Risk field in accordance with the type
Management / Banking of training 258
and Risk Management
Information Technology 16
Total 390
Finance and Accounting 2
Corporate Governance 10
Meningkatkan kompetensi untuk
General tiap-tiap bidang yang sesuai 2
EXECUTIVE dengan jenis pelatihan
MANAGEMENT
Manajemen SDM / HR
Improving competencies for each 17 32 100.00%
EXECUTIVE Management
MANAGEMENT field in accordance with the type
Perbankan dan Risk
of training
Management / Banking and 53
Risk Management
Information Technology 1
Total 85
9,932 7,701 71.67%
Evaluasi level ini mengukur tingkat kepuasan This level evaluation measures the level of
peserta setelah mengikuti training. Selain itu satisfaction of participants after participating in
untuk mengetahui opini dari para peserta training. In addition, to find out the opinions of the
mengenai training yang diikutinya. Cara yang participants regarding the training they participated
biasa dilakukan adalah meminta para peserta in. The usual way is to ask participants to fill out
untuk mengisi sebuah kuesioner yang berisi a questionnaire containing questions about their
pertanyaan-pertanyaan tentang reaksi dan reactions and impressions of the training. Things
kesan mereka atas penyelenggaraan training that were evaluated at this level included training
tersebut. Hal-hal yang dievalasi pada level materials, instructors/trainers, facilities provided,
ini antara lain mengenai materi training, time to organize, and methods used.
instruktur/trainer, fasilitas yang disediakan,
waktu penyelenggaraan, serta metode yang
digunakan.
Sejauh ini proses evaluasi level-1 dilakukan oleh So far, the level-1 evaluation process has been
Divisi bjb University pada setiap pelatihan yang carried out by the bjb university division at each
diselenggarakan oleh Divisi bjb University baik training held by the bjb university division, which is
yang diselenggarakan dalam bentuk in house held in the form of in-house training and domestic
training maupun pelatihan public training dalam and foreign public training.
dan luar negeri.
Khusus untuk pengukuran pada pelatihan public Specifically for measurement of public training
dilakukan dengan menggunakan pendekatan carried out using the vendor assessment approach,
vendor assessment, yaitu pengukuran kualitas namely quality measurement trainers, materials
trainer, materi dan fasilitas pelatihan yang and training facilities organized by training vendors
diselenggarakan oleh vendor-vendor pelatihan where the bjb university division engages bank bjb
di mana Divisi bjb University mengikutsertakan employees in training held by the training vendors.
pegawai bank bjb dalam pelatihan yang
diselenggarakan oleh vendor-vendor pelatihan
tersebut.
Sedangkan untuk hasil rata–rata evaluasi As for the results of the average evaluation of Level
Level 1 (Reaction) untuk periode bulan Januari- 1 (Reaction) for the period January-December
Desember 2019 memperoleh skor rata-rata 2019 obtained an average score of 4.24 from a
sebesar 4,24 dari skor maksimal 5,0, Hal ini maximum score of 5.0, this shows that in general
menunjukkan bahwa secara umum materi the material in this training has good quality.
dalam pelatihan ini memiliki kualitas Baik.
Tujuan evaluasi tahap ini adalah mengukur The purpose of the evaluation of this stage is
sampai sejauh mana materi yang diberikan to measure the extent to which the material
selama pelatihan telah dipahami, dihayati, dan provided during the training has been understood,
diingat oleh para peserta. Pengukuran biasanya internalized and remembered by the participants.
dilaksanakan dalam bentuk tes yang dilakukan Measurements are usually carried out in the form
sebelum dan sesudah training. Tiga domain of tests conducted before and after training. The
kompetensi (knowledge, skills, dan attitudes) three domains of competence (knowledge, skills,
merupakan hal-hal yang dapat diberikan dan and attitudes) are things that can be given and
diukur dalam suatu pelatihan. Oleh karenanya, measured in a training. Therefore, evaluations
evaluasi pada level ini juga menekankan at this level also emphasize how far participants
pada seberapa jauh pembelajaran (learning) are learning training materials in the context of
peserta atas materi training dalam konteks improving their competencies.
meningkatkan kompetensi mereka.
Untuk mengetahui apakah seorang peserta To find out whether a participant has understood
telah memahami dengan baik materi training well the training material he followed, testing
yang diikutinya dilakukan pengujian sebelum dan before and after training (pretest and post-test)
sesudah training (pretest dan post-test) dengan with the same or not much different material
materi yang sama atau tidak jauh berbeda so that the results can be compared. If there is
sehingga hasilnya dapat diperbandingkan. an increase in the score of the post-test results
Jika terdapat peningkatan skor hasil post-test compared to the pre-test, it is believed that the
dibandingkan pre-test maka diyakini bahwa participants already have a better understanding
peserta tersebut telah memiliki pemahaman as a result of attending training. The bjb university
yang lebih baik sebagai dampak mengikuti division always evaluates at this level in every
training. Divisi bjb University selalu melakukan training held in house. The type of training that
evaluasi di level ini pada setiap pelatihan yang has implemented level 2 evaluation is training that
diselenggarakan secara in house. Jenis pelatihan is classified as technical support work training and
yang telah menerapkan evaluasi level-2 adalah mandatory training. There are several evaluation
pelatihan-pelatihan yang diklasifikasikan methods that are often used to measure training
sebagai pelatihan teknikal pendukung pekerjaan results. The evaluation method used is usually in
dan pelatihan wajib. Terdapat beberapa the form of online tests (pretest and posttest) if the
metode evaluasi yang sering digunakan untuk training emphasizes on increasing participants’
melakukan pengukuran hasil pelatihan. Metode understanding of a material.
evaluasi yang digunakan biasanya berbentuk tes
online (pre-test dan post-test) apabila pelatihan
tersebut lebih menekankan pada peningkatan
pemahaman peserta mengenai suatu materi.
Evaluasi ini dilaksanakan untuk mengukur This evaluation was carried out to measure the
tingkat pemahaman peserta atas materi yang level of participants’ understanding of the material
diberikan melalui penilaian yang dilaksanakan provided through assessments carried out by
oleh penguji dari pelaksana agenda pelatihan, examiners from the implementers of the training
dengan hasil rata-rata 77,48 dari skor maksimal agenda, with an average yield of 77.48 from
100. Dimana rata-rata penilaian L2 telah a maximum score of 100. Where the average
melebihi target dengan nilai 70. assessment of L2 exceeded the target of 70.
Evaluasi level 3 dilakukan untuk mengetahui Level 3 evaluation is carried out to find out how far
seberapa jauh perubahan yang terjadi pada the changes occurred to the participants when the
diri peserta pada saat peserta kembali ke participants returned to their work environment
lingkungan pekerjaannya setelah mengikuti after participating in training, especially changes to
training, khususnya perubahan pada behavior the behavior of the three domains of competence
ketiga domain kompetensi (knowledge, skills, (knowledge, skills and attitudes). Measurements
dan attitudes). Pengukuran yang dilakukan made at this level are more focused on changes
pada level ini lebih dititikberatkan kepada in job behavior what happens after an employee
perubahan-perubahan dalam job behavior participates in a particular training. In other words,
apa saja yang terjadi setelah seorang pegawai level 3 evaluation is not enough just to measure the
mengikuti training tertentu. Dengan kata lain, changes that occur in the behavior of participants
evaluasi level 3 ini tak cukup hanya sekedar after attending the training, but furthermore it
mengukur perubahan yang terjadi pada also needs to be evaluated also to what extent
behavior peserta setelah mengikuti pelatihan, the changes that occur can be applied in their
namun lebih jauh lagi perlu dievaluasi pula daily work practices. This evaluation needs to be
sejauh mana perubahan yang terjadi tersebut carried out because it is possible that the changes
dapat diterapkan dalam praktek kerja sehari- experienced by training participants in the form of
harinya. Evaluasi ini perlu dilakukan karena increased knowledge, increased skills, or changes
bias saja perubahan yang dialami oleh peserta in behavior in performance can in fact not have
training berupa meningkatnya pengetahuan, a major effect when attempted to be applied in
bertambahnya keterampilan, atau berubahnya their work, which is caused by the presence of non-
perilaku dalam kinerja pada kenyataannya tidak training factors become an obstacle, for example
dapat membawa pengaruh besar ketika dicoba an operational system that is less supportive, a less
untuk diterapkan dalam pekerjaannnya, hal
mana disebabkan oleh adanya faktor-faktor non
training yang menjadi penghambat, misalnya
sistem operasional yang kurang mendukung,
lingkungan kerja yang kurang kondusif dan
sebagainya, bahkan business process yang tidak conducive work environment and so on, even a
berjalan dengan sebagaimana mestinya. business process that does not work properly.
Divisi bjb University telah melakukan The bjb university division has taken measurements
pengukuran pada level ini untuk pelatihan- at this level for technical training supporting work.
pelatihan yang sifatnya teknikal pendukung The selection of this type of training is motivated by
pekerjaan. Pemilihan jenis pelatihan ini the importance of training in improving employee
dilatarbelakangi oleh tingkat kepentingan competencies in daily work where employees can
pelatihan dalam meningkatkan kompetensi directly implement training materials in their daily
pegawai dalam pekerjaan sehari-hari dimana work. In addition, the selection of types of technical
pegawai dapat secara langsung menerapkan training is also more caused by work behavior
materi pelatihan dalam pekerjaan sehari-hari. on competencies that are improved through this
Selain itu pemilihan jenis pelatihan teknikal type of training which is work behavior that is over
juga lebih disebabkan oleh perilaku kerja pada and can be observed by the direct supervisor of
kompetensi yang ditingkatkan melalui pelatihan the participants. The measurement that is usually
jenis ini merupakan perilaku kerja yang over dan done by the bjb university division is by sending an
bisa diamati oleh atasan langsung para peserta. observation sheet questionnaire to the participants
Pengukuran yang biasa dilakukan oleh Divisi at the closing of the training to be submitted to the
bjb university adalah dengan mengirimkan direct supervisor of the trainees. Then after three
kuesioner lembar observasi kepada para peserta months from the training time the supervisors
saat penutupan pelatihan untuk diserahkan directly from the training participants observed
kepada atasan langsung para peserta pelatihan. the performance of the participants who were
Selanjutnya setelah tiga bulan dari waktu followed up by evaluating the performance of the
pelatihan para atasan langsung dari peserta participants after the training.
pelatihan melakukan pengamatan terhadap
kinerja para pesertanya yang ditindaklanjuti
dengan melakukan penilaian terhadap kinerja
para peserta setelah pelatihan.
Evaluasi ini dilaksanakan untuk mengukur This evaluation was carried out to measure
tingkat pemahaman peserta atas materi yang participants’ level of understanding of the material
diberikan melalui penilaian yang dilaksanakan provided through assessments conducted by
oleh penguji dari pelaksana agenda pelatihan, examiners from the organizer of the training agenda,
dengan hasil rata-rata 84,56 dari skor maksimal with an average result of 84.56 from a maximum
100. Dimana rata-rata penilaian L2 telah score of 100. Where the average L2 assessment had
melebihi target dengan nilai 70. exceeded the target with a value of 70.
Pemerintah Kota dan Kabupaten se-Jawa Barat 2,363,812,461 590,953,115,250 24.03 City and Regency Governments in West Java
Pemerintah Kota se-Jawa Barat 583,201,465 145,800,366,250 5.93 City Governments in West Java
Kota Bandung 116,000,006 29,000,001,500 1.18 Bandung City
Kota Cirebon 17,837,704 4,459,426,000 0.18 Cirebon City
Kota Sukabumi 38,545,063 9,636,265,750 0.39 Sukabumi City
Kota Bekasi 62,493,022 15,623,255,500 0.64 Bekasi City
Kota Bogor 46,737,809 11,684,452,250 0.48 Bogor City
Kota Cimahi 104,000,000 26,000,000,000 1.06 Cimahi City
Kota Depok 93,777,672 23,444,418,000 0.95 Depok City
Kota Tasikmalaya 62,810,189 15,702,547,250 0.64 Tasikmalaya City
Kota Banjar 41,000,000 10,250,000,000 0.42 Banjar City
Pemerintah Kabupaten se-Jawa Barat 1,780,610,996 445,152,749,000 18.10 Regency Governments in West Java
Kabupaten Bandung 712,485,914 178,121,478,500 7.24 Bandung Regency
Kabupaten Cirebon 56,121,123 14,030,280,750 0.57 Cirebon regency
Kabupaten Karawang 56,863,937 14,215,984,250 0.58 Karawang Regency
Kabupaten Ciamis 32,721,097 8,180,274,250 0.33 Ciamis Regency
Kabupaten Tasikmalaya 130,953,800 32,738,450,000 1.33 Tasikmalaya Regency
Kabupaten Sukabumi 86,889,260 21,722,315,000 0.88 Sukabumi Regency
Kabupaten Subang 44,937,610 11,234,402,500 0.46 Subang Regency
Kabupaten Indramayu 87,986,270 21,996,567,500 0.89 Indramayu Regency
Kabupaten Bekasi 73,550,504 18,387,626,000 0.75 Bekasi Regency
Kabupaten Sumedang 46,052,684 11,513,171,000 0.47 Sumedang Regency
Kabupaten Bogor 202,523,232 50,630,808,000 2.06 Bogor Regency
Kabupaten Cianjur 102,416,760 25,604,190,000 1.04 Cianjur Regency
Kabupaten Kuningan 28,797,110 7,199,277,500 0.29 Kuningan regency
Kabupaten Majalengka 35,462,669 8,865,667,250 0.36 Majalengka regency
Kabupaten Garut 26,366,698 6,591,674,500 0.27 Garut Regency
Kabupaten Purwakarta 51,219,171 12,804,792,750 0.52 Purwakarta regency
Kabupaten Bandung Barat 5,263,157 1,315,789,250 0.05 Bandung Barat Regency
Pemerintah Kota dan Kabupaten se-Banten 773,896,559 193,474,139,750 7.87 City and Regency Governments in Banten
Pemerintah Kota se- Banten 185,749,520 46,437,380,000 1.89 City Government of Banten Province
Kota Tangerang 125,117,942 31,279,485,500 1.27 Tangerang City
Kota Cilegon 60,631,578 15,157,894,500 0.62 Cilegon City
Pemerintah Kabupaten se-Banten 588,147,039 147,036,759,750 5.98 Regency Governments in Banten
Kabupaten Serang 151,092,304 37,773,076,000 1.54 Serang Regency
Kabupaten Tangerang 289,306,189 72,326,547,250 2.94 Tangerang Regency
Kabupaten Lebak 37,586,022 9,396,505,500 0.38 Lebak Regency
Kabupaten Pandeglang 110,162,524 27,540,631,000 1.12 Pandeglang regency
TOTAL SAHAM SERI A 7,414,714,661 1,853,678,665,250 75.36 TOTAL OF SHARES SERIES A
Persentase
Jumlah
Alamat Kepemilikan
No. Nama Investor Status Saham Investor’s Name
Address Ownership
Total Shares
Percentage
Pemda Provinsi Pemerintah Regional Government of
1. Jl. Diponegoro No. 22 Bandung 3,756,415,785 38.18%
Jawa Barat Daerah West Java Province
Pemda Kabupaten Jl. Raya Soreang Km 17,5 Pemerintah Regional Government of
2. 712,485,914 7.24%
Bandung Soreang Kabupaten Bandung Daerah Bandung Regency
Pemda Provinsi Jl. Brigjen K.H.Syam'un No. 5 Pemerintah Regional Government of
3. 520,589,856 5.29%
Banten Serang Daerah Banten Province
Tabel Komposisi Pemegang Saham Masyarakat Kurang dari 5% Per Desember 2019
Table of Shareholdre Composition of the Community less than 5% of Per Desember 2019
Jumlah Pemegang
Persentase Kepemilikan (%)
Kepemilikan Saham Publik Saham Public Share Ownership
Ownership Percentage (%)
Total Shareholders
PEMODAL NASIONAL NATIONAL SHAREHOLDER
Asuransi 6 4.99 Insurance
Dana Pensiun 23 4.43 Pension fund
Koperasi 1 0.00 Cooperative
Perseroan Terbatas 46 1.22 Limited Company
Reksadana 30 1.46 Mutual fund
Yayasan 4 0.14 Foundation
Karyawan 111 0.06 Employee
Pengurus 4 0.02 Caretaker
Perorangan Indonesia 8,109 8.12 Indonesian Individual
PEMODAL ASING FOREIGN SHAREHOLDERS
Perorangan Asing 25 0.07 Foreign Individual
Badan Usaha Asing 136 4.14 Foreign corporation
Tabel Kepemilikan Saham Dewan Komisaris dan Direksi per Desember 2019
Table of Shareholders of Board of Commissioners and Directors as of December 2019
Sebagai tindak lanjut keputusan Rapat Umum As a follow up of the General Meeting of Shareholders
Pemegang Saham PT Bank Pembangunan resolution of PT Bank Pembangunan Daerah Jawa
Daerah Jawa Barat dan Banten, Tbk. maka pada Barat dan Banten, Tbk. on 15 January 2010, bank
tanggal 15 Januari 2010 didirikan bank bjb bjb sharia was established based on Deed of
syariah berdasarkan Akta Pendirian Perseroan Establishment of Limited Liability Company No. 4
Terbatas No. 4 yang dibuat oleh Notaris Fathiah made before Notary Fathiah Helmi and has been
Helmi dan telah mendapat pengesahan dari ratified by MoLHR No. AHU-04317.AH.01.01 Tahun
Menkumham Nomor AHU-04317.AH.01.01 2010 dated 26 January 2010.
Tahun 2010 tanggal 26 Januari 2010.
Dari segi kepemilikan saham, pada tahun In terms of shareholders ownership, in 2018 the
2019 komposisi kepemilikan saham bank bjb composition of bank ownership bjb syariah changes
Syariah mengalami perubahan dengan total with total paid up capital of Rp1,510,890,123,995
modal disetor sebesar Rp1.510.890.123.995 (one trillion five hundred and ten billion eight
(satu triliun lima ratus sepuluh miliar delapan hundred ninety million one hundred twenty
ratus sembilan puluh juta seratus dua puluh three thousand nine hundred ninety five rupiah)
tiga ribu sembilan ratus Sembilan puluh lima with the composition of shareholders is PT Bank
rupiah) dengan susunan pemegang saham Pembangunan Daerah Jawa Barat dan Banten
adalah PT Bank Pembangunan Daerah Jawa paid up capital of Rp1,496,890,000,000 (one
Barat dan Banten modal disetor sebesar trillion four hundred ninety six billion eight hundred
Rp1.496.890.000.000 (satu triliun empat ratus ninety million rupiah) or equal to 99.07% and PT
sembilan puluh enam miliar delapan ratus Banten Global Development with paid up capital
Sembilan puluh juta rupiah) atau sebesar 99,07% of Rp14,000,000,000 (fourteen billion rupiah) or
dan PT Banten Global Development dengan equal to 0.93%.
modal disetor sebesar Rp14.000.000.000
(empat belas miliar rupiah) atau sebesar 0,93%.
Berdasarkan Akta Nomor 1 tanggal 14 April 2016 Based on Deed Number 1 dated April 14, 2016 and
dan Akta Nomor 14 tanggal 19 Juli 2016, bank Deed Number 14 dated July 19, 2016, the bjb syariah
bjb syariah mengalami perubahan susunan bank experienced a change in the composition of its
pengurus. Berdasarkan akta tersebut, susunan management. Based on the deed, the composition
pengurus adalah sebagai berikut: of the management is as follows:
Komisaris Commissioner
Komisaris Commissioner Didit Supriyadi
Komisaris Commissioner Adang A Kunandar
Komisaris Commissioner Mamed Sueb
Direksi Directors
Direktur Utama President Directors Indra Falatehan
Direktur Directors Dadang Iskandar
Direktur Directors Affiatty Sofia Mantini
Untuk penguatan perusahaan, pada tahun For the strengthening of the Company, in 2010
2010 dimulai proses merger terhadap 7 (tujuh) began the process of merger against 7 (seven) PD
PD. BPR LPK di Kabupaten Garut sesuai Perda BPR LPK in Garut Regency according to West Java
Provinsi Jabar No. 30 Tahun 2010 tentang Provincial Regulation No. 30 Year 2010 concerning
Perubahan atas Perusahaan Daerah Jawa Barat Amendment to Regional Company of West Java No.
No. 14 Tahun 2006, yaitu: 14 Year 2006, they are:
• PD BPR LPK Garut Kota • PD BPR LPK Garut Kota
• PD BPR LPK Sukawening • PD BPR LPK Sukawening
• PD BPR LPK Bayongbong • PD BPR LPK Bayongbong
• PD BPR LPK Cikajang • PD BPR LPK Cikajang
• PD BPR LPK Banjarwangi • PD BPR LPK Banjarwangi
• PD BPR LPK Leuwigoong • PD BPR LPK Leuwigoong
• PD BPR LPK Cibalong • PD BPR LPK Cibalong
Menindaklanjuti Peraturan Daerah Provinsi Jawa Following up the West Java Provincial Regulation
Barat Nomor 10 Tahun 2013 Tentang Perubahan No. 10 of 2013 on Changes in Legal Form of
Bentuk Hukum Perusahaan Daerah Bank Regional Government Rural Bank Merger Result In
Perkreditan Rakyat Hasil Merger Di Kabupaten Garut Regency, Subang Regency, Cianjur Regency
Garut, Kabupaten Subang, Kabupaten Cianjur And Tasikmalaya Regency Being Limited Liability
Dan Kabupaten Tasikmalaya Menjadi Perseroan Company, then on April 3rd, 2014 Shareholders
Terbatas, maka pada tanggal 3 April 2014 and Management of PD BPR LPK Garut City
Pemegang Saham dan Pengurus PD. BPR LPK has done an Extraordinary General Meeting of
Garut Kota telah melaksanakan Rapat Umum Shareholders (GMSLB) in order to Change the Legal
Pemegang Saham Luar Biasa (RUPS-LB) Dalam Body of PD BPR LPK Garut City in Garut regency. In
Rangka Perubahan Bentuk Badan Hukum PD. the Extraordinary Shareholders’ General Meeting,
BPR LPK Garut Kota Kabupaten Garut. Dalam the Shareholders have given their approval to the
RUPS Luar Biasa tersebut Pemegang Saham change in the form of legal entity of PD BPR LPK
telah memberikan persetujuan terhadap Garut City.
perubahan bentuk badan hukum PD. BPR LPK
Garut Kota.
Kemudian, pada tanggal 11 Desember 2014 After that, on December 11, 2014 has been
telah didirikan suatu Perseroan Terbatas dengan established a Limited Liability Company with the
nama PT. BPR Intan Jabar, sesuai dengan Akta name of PT BPR Intan Jabar, in accordance with
Pendirian Perseroan Terbatas nomor 47 tanggal Deed of Establishment of Limited Liability Company
11 Desember 2014 yang dibuat dihadapan No. 47 on December 11, 2014 made in front of
Intan Rubyati Dewi, S.H., M.Kn., Notaris di Garut, Intan Rubyati Dewi, SH, M.Kn., Notary in Garut,
dan telah mendapat pengesahan dari Menteri and has been approved by the Minister of Justice
Hukum dan Hak Asasi Manusia Republik and Human Rights of the Republic of Indonesia
Indonesia sesuai dengan Keputusan Menteri in accordance with the Decision Minister of Justice
Hukum Dan Hak Asasi Manusia Nomor AHU- and Human Rights No. AHU-39238.40.10.2014
39238.40.10.2014 tanggal 11 Desember 2014 on December 11, 2014 on Legalization of
tentang Pengesahan Pendirian Badan Hukum Establishment of Limited Liability Company PT
Perseroan Terbatas PT. BPR Intan Jabar dan BPR Intan Jabarand on May 22nd, 2015, PT BPR
pada Tanggal 22 Mei 2015 PT. BPR Intan Jabar Intan Jabar obtained operational permission from
mendapatkan izin operasional dari Otoritas the Financial Services Authority (OJK) based on the
Jasa Keuangan berdasarkan Keputusan Kepala Decree of the Head of Regional 2 West Java No. Kep-
Regional 2 Jawa Barat Nomor Kep-21/KR.2/2015 21/KR.2/2015 regarding the Transfer of Business
tentang Pengalihan Izin Usaha Atas Perubahan License to Change of Legal Entity of PD BPR LPK
Badan Hukum PD. BPR LPK Garut Kota Kepada Garut City To PT BPR Intan Jabar and Decision of
PT. BPR Intan Jabar dan Keputusan Kepala Regional Head 2 West Java No. Kep-22/KR.2/2015
Regional 2 Jawa Barat Nomor Kep-22/KR.2/2015 on Determination of Business License Usage in
tentang Penetapan Penggunaan Izin Usaha the Name of PD BPR LPK Garut City Becoming a
Atas Nama PD. BPR LPK Garut Kota Menjadi Business License on behalf of PT BPR Intan Jabar
Izin Usaha Atas Nama PT. BPR Intan Jabar dan and officially start operating on Juni 5th, 2015.
secara resmi mulai beroperasi pada Tanggal 5
Juni 2015.
Dari segi kepemilikan saham, pada tahun 2019 In terms of share ownership, in 2018, the
komposisi kepemilikan saham PT BPR Intan Jabar composition of share ownership of PT BPR Intan
adalah PT Bank Pembangunan Daerah Jawa Jabar is PT Bank Pembangunan Daerah Jawa Barat
Barat dan Banten sebesar 33,88%, Pemerintah dan Banten with 33.88%, West Java Provincial
Provinsi Jawa Barat sebesar 28,80%, dan Government of 28.80% and Garut Regency
Pemerintah Kabupaten Garut sebesar 37,32%. Government with 37.32%.
Berdasarkan Akta Nomor 52 tanggal 13 Mei Based on Deed No. 104 on March 17, 2016, the
2019, susunan pengurus PT BPR Intan Jabar composition of the board of PT BPR Intan Jabar is
adalah sebagai berikut: as follows:
Direksi Directors
Direktur Utama President Directors -
Direktur Operasional Operational Directors Dani Hadian
Direktur Bisnis Business Directors Deden Rachmat Syawaludin
Selanjutnya, Pada Tanggal 22 Mei 2015 PT Furthermore, On May 22, 2015, PT BPR Karya
BPR Karya Utama Jabar mendapatkan izin Utama Jabar obtained operational permission
operasional dari Otoritas Jasa Keuangan from the Financial Services Authority based on the
berdasarkan Keputusan Kepala Regional 2 Decree of the Head of Regional 2 West Java No. Kep-
Jawa Barat Nomor Kep-19/KR.2/2015 tentang 19/KR.2/2015 regarding the Transfer of Business
Pengalihan Izin Usaha Atas Perubahan Badan License to Change of Legal Entity from PD BPR LPK
Hukum dari PD BPR LPK Jalancagak Kepada PT Jalan Cagak into PT BPR Karya Utama Jabar and
BPR Karya Utama Jabar dan Keputusan Kepala Decision of Regional Head 2 West Java No. Kep-20/
Regional 2 Jawa Barat Nomor Kep-20/KR.2/2015 KR.2/2015 on Stipulation of Business License Usage
tentang Penetapan Penggunaan Izin Usaha on behalf of PD BPR LPK Jalan Cagak Becoming
Atas Nama PD BPR LPK Jalancagak Menjadi Izin Business License On behalf of PT BPR Karya Utama
Usaha Atas Nama PT BPR Karya Utama Jabar. Jabar. PT BPR Karya Utama Jabar (Called BPR KU)
PT BPR Karya Utama Jabar (Call Name BPR officially operates since June 1, 2015 after it was
KU) resmi beroperasi terhitung tanggal 1 Juni announced in the daily newspaper Pikiran Rakyat
2015 setelah diumumkan dalam surat kabar on Monday, 1 June 2015. Business Activities of PT
harian Pikiran Rakyat edisi Senin tanggal 1 Juni BPR Karya Utama, in accordance with Article 3 of
2015. Kegiatan Usaha PT BPR Karya Utama, the Articles of Association, is to organize a banking
sesuai Pasal 3 Anggaran Dasar adalah untuk business.
menyelenggarakan usaha perbankan.
Dari segi kepemilikan saham, pada tahun 2018 In terms of share ownership, in 2018, the
komposisi kepemilikan saham PT BPR Karya composition of share ownership of PT BPR Karya
Utama Jabar adalah PT Bank Pembangunan Utama Jabar is PT Bank Pembangunan Daerah
Daerah Jawa Barat dan Banten sebesar 37,97% West Java and Banten with 37.97%, West Java
Pemerintah Provinsi Jawa Barat sebesar 28,63%, Provincial Government of 28.63% and Subang
dan Pemerintah Kabupaten Subang sebesar Regency Government with 33.40%.
33,40%.
Berdasarkan Akta Nomor 66 tanggal 23 April Based on Deed No. 02 on July 17, 2017, the
2019, susunan pengurus PT BPR Karya Utama composition of the board of PT BPR Karya Utama
Jabar adalah sebagai berikut: Jabar is as follows:
Direksi Directors
Direktur Utama President Directors Oman Sunandar
Direktur Operasional Operational Directors Ayip Muhdiatullah
Direktur Bisnis Business Directors R. Mohamad Noor Rahman
Jumlah
Kepemilikan Status Aset (dalam
Nama Bidang Usaha Domisili Saham Operasi ribu Rupiah)
Name Bussiness Activities Domicile Share Operational Total
Ownership Status Asset (in IDR
Thousand)
Perbankan Telah Beroperasi
PD BPR Serang Serang 5.28% 638,802
Banking Operating
Perbankan Telah Beroperasi
PD BPR LPK Warunggunung Lebak 3.75% 44,095
Banking Operating
Perbankan Telah Beroperasi
PD BPR Berkah Pandeglang 1.62% 152,166
Banking Operating
Perbankan Telah Beroperasi
PD BPR LPK Parungpanjang Bogor 8.55% 109,142
Banking Operating
Perbankan Telah Beroperasi
PT BPR Cianjur Jabar Cianjur 12.25% 130,293
Banking Operating
Perbankan Telah Beroperasi
PD BPR LPK Balongan Indramayu 9.36% 339,293
Banking Operating
Perbankan Telah Beroperasi
PT BPR Majalengka Jabar Majalengka 4.70% 64,363
Banking Operating
Perbankan Telah Beroperasi
PT BPR Wibawa Mukti Jabar Bekasi 5.63% 45,786
Banking Operating
Perbankan Telah Beroperasi
PT BPR Cipatujah Jabar Tasikmalaya 3.97% 286,378
Banking Operating
Perbankan Telah Beroperasi
PT BPR Artha Galuh Mandiri Jabar Ciamis 7.08% 17,926
Banking Operating
Perbankan Telah Beroperasi
PD BPR Kerta Raharja Tangerang 1.47% 590,611
Banking Operating
Asuransi Telah Beroperasi
PT Asuransi Bangun Askrida Jakarta 10.82% 2,606,631
Insurance Operating
Perusahaan Anak
Subsidiaries
99,07%
PT BPR Karya
Utama Jabar
37,97%
33,88%
Sampai dengan 31 Desember 2019, Perseroan tidak memiliki entitas asosiasi, Joint Venture, dan Special Purpose Vehicle (SPV).
As of December 31, 2019, the Company did not have an associated entity, Joint Venture, and Special Purpose Vehicle (SPV).
Dalam rangka penguatan struktur permodalan In the context of strengthening the capital structure
untuk menjaga rasio permodalan sesuai to maintain the capital ratio in accordance with
Peraturan Otoritas Jasa Keuangan No. 11/ Financial Services Authority Regulation No. 11 /
POJK.03/2016 tentang Kewajiban Penyediaan POJK.03 / 2016 concerning the Minimum Capital
Modal Minimum Bank Umum sebagaimana telah Requirement for Commercial Banks as amended
diubah oleh Peraturan Otoritas Jasa Keuangan by Financial Services Authority Regulation No. 34
No. 34/POJK.03/2016 serta untuk menunjang / POJK.03 / 2016 and to support the expansion of
ekspansi bisnis Perseroan dimasa mendatang, the Company’s business in the future, specifically
khususnya untuk ekspansi kredit, Perseroan for credit expansion, the Company plans to
merencanakan untuk melaksanakan Program implement a Capital Addition Program without
Penambahan Modal Tanpa Hak Memesan Pre-emptive Rights (PMT HMETD Program) as
Efek Terlebih Dahulu (Program PMT HMETD) referred to in Regulation No. 38 / POJK.04 / 2014
sebagaimana dimaksud dalam Peraturan No. concerning Increasing Capital Without Giving Pre-
38/POJK.04/2014 tentang Penambahan Modal emptive Rights.
Tanpa Memberikan Hak Memesan Efek Terlebih
Dahulu.
Berdasarkan hasil Keputusan Rapat Based on the results of the Extraordinary General
Umum Pemegang Saham Luar Biasa yang Meeting of Shareholders held in the city of Bandung
diselenggarakan di Kota Bandung pada on December 11, 2018, has given approval for the
tanggal 11 Desember 2018, telah memberikan exercise of Pre-emptive Rights by issuing as many
persetujuan untuk pelaksanaan PMT HMETD as 360,100,000 Series A shares with a nominal
dengan menerbitkan sebanyak-banyaknya value of IDR250 per share, with the issuance price
360.100.000 lembar saham Seri A dengan nilai in the amount of IDR1,900 per share. The basis
nominal Rp250 per lembar saham, dengan for determining the issuance price is based on the
harga penerbitan sebesar Rp1.900 per lembar provisions in point V.1 Appendix II of PT Indonesia
saham. Dasar penetapan harga penerbitan Stock Exchange Listing Regulation No. 1-A Decree
berdasarkan ketentuan dalam butir V.1 No. Kep-00001 / BEI / 01-2014 dated January 20,
Lampiran II Peraturan Pencatatan PT Bursa Efek 2014 namely the average price of 25 (twenty-five)
Indonesia No. 1-A Keputusan No. Kep-00001/ days of trading closure of the Company’s shares on
BEI/01-2014 tanggal 20 Januari 2014 yakni harga the Indonesia Stock Exchange prior to the date of
rata-rata 25 (dua puluh lima) hari penutupan the notice of the EGMS starting on September 28,
perdagangan saham Perseroan di Bursa Efek 2018 until November 1, 2018.
Indonesia sebelum tanggal pemberitahuan
pelaksanaan RUPSLB yakni mulai tanggal 28
September 2018 sampai dengan 1 November
2018.
Jangka waktu pelaksanaan Program PMT The duration of the implementation of the HMETD
HMETD adalah 2 (dua) tahun terhitung sejak PMT Program is 2 (two) years from the approval of
persetujuan RUPSLB yaitu sampai dengan the Extraordinary General Meeting of Shareholders,
11 Desember 2020. Pelaksanaan setoran which is until December 11, 2020. The capital
modal dilakukan secara bertahap disesuaikan injection is carried out in stages in accordance
dengan anggaran serta pemenuhan peraturan with the budget and compliance with laws and
perundang-undangan yang berlaku untuk regulations applicable to local governments. In
pemerintah daerah. Di tahun 2018 terdapat 2018 there were 20 (twenty) Local Governments
20 (dua puluh) Pemerintah Daerah yang telah that had paid in capital with a total deposit value
melakukan setoran modal dengan total nilai of IDR 270,742,390,500 and with the number of
setoran adalah sebesar Rp270.742.390.500 new Series A shares issued 142,495,995 shares.
dan dengan jumlah lembar saham Seri A baru
yang diterbitkan sebanyak 142.495.995 lembar
saham.
Nama Bursa Tempat Saham Perusahaan Name of Stock Exchange where Company
Dicatatkan Shares are Listed
Seluruh saham Perseroan telah dicatatkan All of the Company shares have been listed on the
pada Bursa Efek Indonesia Indonesia Stock Exchange
Sebelum IPO
1 - - - - - - -
Before the IPO
Saham Biasa
Penawaran Seri B
2 2010 Umum Perdana Common Share 600 600 2,424,072,500 9,696,291,166 2,424,072,791,500 1,454,443,500,000
Initial Public Bid Series B
Saham Seri A
3 2018 PMT HMETD 250 1,900 142,495,995 9,838,787,161 2,459,696,790,250 270,742,390,500
Share series A
100% dari
24.30%
jumlah pokok
Obligasi I (tahun pertama
obligasi
Bank Jabar Juli 1991 Juli 1991 5 Tahun Rp Juli 1996 dan selanjutnya Lunas
1. 25,000 100% of - - -
Bond I July 1991 July 1991 5 Years IDR July 1996 floating) Paid off
the bond
Bank Jabar (first year and
principal
then floating)
amount
100% dari
jumlah 17.25%
Obligasi II pokok (tahun pertama
5 Tahun
Bank Jabar Juli 1993 Juli 1993 Rp obligasi Juli 1998 dan selanjutnya Lunas
2. 5 Years 50,000 - - -
Bond II July 1993 July 1993 IDR 100% of July 1998 floating) Paid off
Bank Jabar the bond (first year and
principal then floating)
amount
100% dari
16.25%
junlah pokok
Obligasi III (tahun pertama
5 Tahun obligasi
Bank Jabar April 2000 April 2000 Rp April 2005 dan selanjutnya Lunas
3. 5 Years 150,000 100% of - - -
Bond III April 2000 April 2000 IDR April 2005 floating) Paid off
the bond
Bank Jabar (first year and
principal
then floating)
amount
100% dari
Obligasi IV
junlah pokok
Bank Jabar Oktober Oktober Oktober
obligasi
Seri A 2004 2004 3 Tahun Rp 2007 Lunas
4. 300,000 100% of 11.75% (fixed) - - -
Bond IV October October 3 Years IDR October Paid off
the bond
Bank Jabar A 2004 2004 2007
principal
Series
amount
100% dari
Obligasi IV
junlah pokok
Bank Jabar Oktober Oktober Oktober
obligasi
Seri B 2004 2004 5 Tahun Rp 2009 Lunas
5. 700,000 100% of 12.50% (fixed) - - -
Bond IV October October 5 Years IDR October Paid off
the bond
Bank Jabar B 2004 2004 2009
principal
Series
amount
100% dari
junlah pokok
Obligasi V Desember Desember Desember
obligasi
Bank Jabar 2006 2006 5 Tahun Rp 2011 Lunas
6. 100,000 100% of 11.25% (fixed) - - -
Bond V December December 5 Years IDR December Paid off
the bond
Bank Jabar 2006 2006 2011
principal
amount
Obligasi VI 100% dari
Bank Jabar junlah pokok
30 Juni 30 Juni
Banten Seri A obligasi 10 Juli 2012
2009 2009 3 Tahun Rp Lunas
7. Bond VI 350,000 100% of July 10, 12.00% (fixed) - - -
June 30, June 30, 3 Years IDR Paid off
Bank Jabar the bond 2012
2009 2009
Banten A principal
Series amount
Obligasi VI 100% dari
Bank Jabar junlah pokok
30 Juni 30 Juni
Banten Seri B obligasi
2009 2009 5 Tahun Rp 10 Juli 2014 Lunas
8. Bond VI 400,000 100% of 12.50% (fixed) - - -
June 30, June 30, 5 Years IDR July10, 2014 Paid off
Bank Jabar the bond
2009 2009
Banten B principal
Series amount
Obligasi VII 100% dari
bank bjb junlah pokok
31 Januari
Tahun 2011 9 Februari obligasi 9 Februari
2011 9.20%
Seri A 2011 3 Tahun Rp 276,000 100% of 2014 Lunas PT Bank
9. January 31, (fixed) - -
Bond VII January 31, 3 Years IDR the bond February 9, Paid off Mega Tbk
2011
bank bjb 2011 principal 2014
Year 2011 amount
A series
Jumlah Peringkat
Tanggal
Obligasi Tingkat Suku Rating
Tanggal Tanggal Harga Jatuh Status Wali
Uraian Mata Uang (juta) Bunga
No. Terbit Efektif Tenor Penawaran Tempo Pembayaran Amanat
Description Currencies Bond Amount Interest Rates
Issued Date Effective Date Bid Price Maturity Payment Status 2019 2018 Trustee
(Million)
Date
Jumlah Peringkat
Tanggal
Obligasi Tingkat Suku Rating
Tanggal Tanggal Harga Jatuh Status Wali
Uraian Mata Uang (juta) Bunga
No. Terbit Efektif Tenor Penawaran Tempo Pembayaran Amanat
Description Currencies Bond Amount Interest Rates
Issued Date Effective Date Bid Price Maturity Payment Status 2019 2018 Trustee
(Million)
Date
Obligasi
Berkelanjutan
I bank bjb
Tahap III 100% dari
Tahun 2019 junlah pokok
18 Oktober 18 Oktober 18 Oktober
Seri B obligasi
2019 2019 5 Tahun Rp 2024 Aktif IdAA- PT Bank
20. Sustainable 108,000 100% of 8.50% (fixed) -
October 18, October 18, 5 Years IDR October 18, Active Pefindo Mega Tbk
Bonds I of the bond
2019 2019 2024
bank bjb principal
Phase III of amount
2019
B Series
Obligasi
Berkelanjutan
I bank bjb
100% dari
Tahap III
junlah pokok
Tahun 2019 18 Oktober 18 Oktober 18 Oktober
obligasi
Seri C 2019 2019 7 Tahun Rp 2026 Aktif IdAA- PT Bank
21. 74,000 100% of 8.75% (fixed) -
Sustainable October 18, October 18, 7 Years IDR October 18, Active Pefindo Mega Tbk
the bond
Bonds I of 2019 2019 2026
principal
bank bjb
amount
Phase III of
2019
C Series
Nama Bursa Tempat Obligasi Perusahaan Name of the Stock Exchange where the
Dicatatkan Company’s bonds are listed
Seluruh obligasi bank bjb telah dicatatkan pada All bank bjb bonds have been listed on the
Bursa Efek Indonesia. Indonesia Stock Exchange.
Tabel Kronologis Pembayaran Bunga Obligasi Subordinasi Berkelanjutan I bank bjb Tahap I Tahun 2017
Table of Sustainable Subordinated Bonds I Interest Payment Chronology of bank bjb Phase I of 2017
Tabel Kronologis Pembayaran Bunga Obligasi Berkelanjutan I bank bjb Tahap II Tahun 2018
Table of Sustainable Obligation I Interest Payment Chronology of bank bjb Phase II of 2018
Tabel Kronologis Pembayaran Bunga Obligasi Berkelanjutan I bank bjb Tahap III Tahun 2019
Table of Sustainable Bonds I Interest Payment Chronology of bank bjb Phase III of 2019
Bunga
Tanggal Pembayaran Status Pembayaran
Ke- Interest Payment Date Interest Payment Status
Bunga Bunga
Interest
1 18 Januari 2019 January 16, 2019 Sudah Dibayar Paid off
2 20 Februari 2019 February 15, 2019 Sudah Dibayar Paid off
3 20 Maret 2019 March 15, 2019 Sudah Dibayar Paid off
4 18 April 2019 April 16, 2019 Sudah Dibayar Paid off
5 20 Mei 2019 May 16, 2019 Sudah Dibayar Paid off
6 20 Juni 2019 June 14, 2019 Sudah Dibayar Paid off
7 19 Juli 2019 July 16, 2019 Sudah Dibayar Paid off
8 20 Agustus 2019 August 16, 2019 Sudah Dibayar Paid off
9 20 September 2019 September 16, 2019 Sudah Dibayar Paid off
10 18 Oktober 2019 October 16, 2019 Sudah Dibayar Paid off
11 20 November 2019 November 15, 2019 Sudah Dibayar Paid off
12 20 Desember 2019 December 16, 2019 Sudah Dibayar Paid off
Bunga
Tanggal Pembayaran Status Pembayaran
Ke- Interest Payment Date Interest Payment Status
Bunga Bunga
Interest
1 18 Januari 2019 January 18, 2019 Sudah Dibayar Paid off
2 20 Februari 2019 February 20, 2019 Sudah Dibayar Paid off
3 20 Maret 2019 March 20, 2019 Sudah Dibayar Paid off
4 18 April 2019 April 18, 2019 Sudah Dibayar Paid off
5 20 Mei 2019 May 20, 2019 Sudah Dibayar Paid off
6 20 Juni 2019 June 20, 2019 Sudah Dibayar Paid off
7 19 Juli 2019 July 19, 2019 Sudah Dibayar Paid off
8 20 Agustus 2019 August 20, 2019 Sudah Dibayar Paid off
9 20 September 2019 September 20, 2019 Sudah Dibayar Paid off
10 18 Oktober 2019 October 18, 2019 Sudah Dibayar Paid off
11 20 November 2019 November 20, 2019 Sudah Dibayar Paid off
12 20 Desember 2019 December 20, 2019 Sudah Dibayar Paid off
Bunga
Tanggal Pembayaran Status Pembayaran
Ke- Interest Payment Date Interest Payment Status
Bunga Bunga
Interest
1 18 Januari 2019 January 18, 2019 Sudah Dibayar Paid off
2 20 Februari 2019 February 20, 2019 Sudah Dibayar Paid off
3 20 Maret 2019 March 20, 2019 Sudah Dibayar Paid off
4 18 April 2019 April 18, 2019 Sudah Dibayar Paid off
5 20 Mei 2019 May 20, 2019 Sudah Dibayar Paid off
6 20 Juni 2019 June 20, 2019 Sudah Dibayar Paid off
7 19 Juli 2019 July 19, 2019 Sudah Dibayar Paid off
8 20 Agustus 2019 August 20, 2019 Sudah Dibayar Paid off
9 20 September 2019 September 20, 2019 Sudah Dibayar Paid off
10 18 Oktober 2019 October 18, 2019 Sudah Dibayar Paid off
11 20 November 2019 November 20, 2019 Sudah Dibayar Paid off
12 20 Desember 2019 December 20, 2019 Sudah Dibayar Paid off
Bunga
Tanggal Pembayaran Status Pembayaran
Ke- Interest Payment Date Interest Payment Status
Bunga Bunga
Interest
1 18 Januari 2019 January 18, 2019 Sudah Dibayar Paid off
2 20 Februari 2019 February 20, 2019 Sudah Dibayar Paid off
3 20 Maret 2019 March 20, 2019 Sudah Dibayar Paid off
4 18 April 2019 April 18, 2019 Sudah Dibayar Paid off
5 20 Mei 2019 May 20, 2019 Sudah Dibayar Paid off
6 20 Juni 2019 June 20, 2019 Sudah Dibayar Paid off
7 19 Juli 2019 July 19, 2019 Sudah Dibayar Paid off
8 20 Agustus 2019 August 20, 2019 Sudah Dibayar Paid off
9 20 September 2019 September 20, 2019 Sudah Dibayar Paid off
10 18 Oktober 2019 October 18, 2019 Sudah Dibayar Paid off
11 20 November 2019 November 20, 2019 Sudah Dibayar Paid off
12 20 Desember 2019 December 20, 2019 Sudah Dibayar Paid off
Jasa yang diberikan: Percetakan prospektus Services provided: Prospectus printing and
dan informasi tambahan. additional information.
Jasa yang diberikan : Melakukan audit atas Services provided: Conduct an audit of the
laporan keuangan periode Agustus 2019 financial statements for the period August 2019
terkait Aksi Korporasi bank bjb Tahun 2019 related to bank bjb Corporate Action in 2019
Jasa yang diberikan: Lembaga penjamin emisi Services provided: The underwriting agency
Penawaran Umum Berkelanjutan I (PUB I) Sustainable Public Offering I (PUB I) Phase III
Obligasi Tahap III Tahun 2019. Bonds 2019.
Jasa yang diberikan: Lembaga penjamin emisi Services provided: Underwriting Agency
Penawaran Umum Berkelanjutan I (PUB I) Sustainable Public Offering I (PUB I) Phase III
Obligasi Tahap III Tahun 2019.. Bonds 2019 .
Jasa yang diberikan: Lembaga penjamin emisi Services provided: The underwriting agency
Penawaran Umum Berkelanjutan I (PUB I) Sustainable Public Offering I (PUB I) Phase III
Obligasi Tahap III Tahun 2019. Bonds 2019.
Jasa yang diberikan: Lembaga penjamin emisi Services provided: The underwriting agency
Penawaran Umum Berkelanjutan I (PUB I) Sustainable Public Offering I (PUB I) Phase III
Obligasi Tahap III Tahun 2019. Bonds 2019.
Jasa yang diberikan: Biaya pembayaran Services provided: Dividend payment fees,
dividen, biaya admnisitrasi saham pasar administration fees for secondary market shares,
sekunder, dan biaya penerbitan saham dan and costs for issuing shares and providing blank
penyediaan blanko saham sheets
Jasa yang diberikan: sebagai wali amanat Services provided: as trustee in the context of a
dalam rangka penawaran umum sustainable public offering I bank bjb
berkelanjutan I bank bjb
Amount of Fee: IDR.360,000,000 (total)
Besaran Fee: Rp360.000.000 (total)
Sertifikasi Sertification
Sampai dengan Desember 2019, Perseroan Until Desember 2019, the Company does not have
belum memiliki sertifikasi. any certification.
Jl. Raya Serang – Jakarta Km.11 Kp. Nambo Kec. Ciruas Kab. Serang
PD BPR Serang
Telepon : (0254) 430000
Jl Pandeglang Km 10, Sukarendah, Pandeglang Kabupaten Lebak – Banten
PT. BPR Lebak Sejahtera
Telepon : (0252) 280549
Jl Mayor Widagdo, Kabayan, Kecamatan Pandeglang Kabupaten Pandeglang – Banten
PD BPR Berkah
Telepon : (0253) 5550095
Jl Mohamad Toha No 80 Parungpanjang Kecamatan Parung Panjang Bogor
PD BPR LPK Parungpanjang
Telepon : (021) 5979127
Jl. Cilaku No 5 Warungkondang Cianjur
PT BPR Cianjur Jabar
Telepon : (0263)287598
JL Raya Sukaurip No 30 Kecamatan Balongan Kabupaten Indramayu
PD BPR PK Balongan
Telepon : (0234) 428362
Jl Siliwangi No 03 Blok ipadung Desa Karyamukti Kecamatan Panyingkiran Kabupaten Majalengka
PT BPR Majalengka Jabar
Telepon : (0233) 662118
Ruko Harapan Baru II Kav. C9 -7 Jakasampurna, Kecamatan Bekasi Barat Kota Bekasi
PT BPR Wibawa Mukti Jabar
Telepon : (021)8866231
Jl Raya Cipatujah Rt 009 Rw 003, Cipatujah – Tasikmalaya
PT BPR Cipatujah Jabar
Telepon ; (0821) 34222999
Jl Raya Ciparanti No 149
PT BPR Artha Galuh Mandiri Jabar
Desa Legokjawa Kecamatan Cimerak Kab. Panagandaran
Jl. Raya Serang KM.15 No.1, Talagasari, Kec. Cikupa, Tangerang, Banten 42183
PD BPR Kerta Raharja
Telepon : (021) 59400534
Gedung Askrida Tower Jl Pramuka Raya Kav. 151Jakarta Timur
PT Asuransi Bangun Askrida
Telepon (021)8191212
Jl. Raya Serang – Jakarta Km.11 Kp. Nambo Kec. Ciruas Kab. Serang
PD BPR Serang
Telepon : (0254) 430000
KANTOR WILAYAH
REGIONAL OFFICE
Kantor Wilayah I Kantor Wilayah II Kantor Wilayah III
Regional Office I Regional Office II Regional Office III
Jl. IR.H Djuanda No.191 Gedung Arthaloka Lt. 9 Jl. Sultan Agung No.3 Blok Pon, Kel. Sumber
Kelurahan Dago, Kecamatan Coblong, Jl. Jend Sudirman Kec. Sumber
Kota Bandung Kav. 2, Jakarta Telepon: (0231) 322425
Telepon: (022) 2534836 Telepon: (021) 2511525 Faksimili: (0231) 323338
Kantor Wilayah IV Kantor Wilayah V
Regional Office IV Regional Office V
Jl. Veteran No. 6 Kota Serang Ruko Bukit Darmo Office Park 1. JL. Raya
Telepon: (0254) 8496166 Darmo Boulevard Blok. 01 No.28
Faksimili: (0254) 391644 Telepon: (031) 7382001
KANTOR CABANG
BRANCH OFFICES
BALARAJA GARUT RANGKASBITUNG
Komplek Ruko Jalan Raya Serang Km 22.5 Jl. Jend. A. Yani No.38 Kab. Garut Jl. Patih Derus No. 4 Rangkasbitung
Balara Phone: (0262) 231924 Phone: (0252) 201243
Phone: (021) 29670698/99 Fax: (0262) 231228 Fax: (0252) 201183
Fax: (021) 29670696/97
BALIKPAPAN HASYIM ASHARI RASUNA SAID
Jl. Jend. Sudirman No.15 Balikpapan Jl. K. H. Hasyim Ashari No.34 Jakarta Pusat Jl. Hajjah Rangkayo Rasuna Said Blok X2 Kav. 6
Phone: (0542) 744712 Phone: (021) 6330676 Phone: (021) 5227812
Fax: (0542) 744774 Fax: (021) 6324430 Fax: (021) 5228852
BANDAR LAMPUNG INDRAMAYU RAWAMANGUN
Jl.Raden Intan No.81A,Bandar Lampung Jl. Jend. Sudirman No. 106 Kab. Indramayu Jl. Pemuda 97 Jakarta Timur
Phone: (0721) 242934 Phone: (0234) 272344 Phone: (021) 47861771
Fax: (0721) 242935 Fax: (0234) 271415 Fax: (021) 47863209
UTAMA BANDUNG KHUSUS JAKARTA S. PARMAN
Jl. Braga 12 Bandung Jl. Jend. Sudirman Kav.2 Jakarta Pusat Wisma 77 Jl. S. Parman Kav 77, Jakarta Barat
Phone: (022) 4236553 Phone: (021) 2511448 Phone: (021) 53662611
Fax: (022) 4206944 Fax: (021) 2511450 Fax: (021) 53662614
BANJAR JATINANGOR SAHARJO
Jl. Letjen Suwarto No.4 Banjar Jl. Raya Jatinangor No.41 Kab. Sumedang Jl. Dr. Saharjo No.111 Kec.Tebet Jakarta
Phone: (0265) 745987 Phone: (022) 7781619 Selatan
Fax: (0265) 741780 Fax: (022) 7781613 Phone: (021) 83794097
Fax: (021) 83794099
BANJARMASIN KARAWANG SEMARANG
Jl. Ahmad Yani Km.3 Kota Banjarmasin Jl. Kertabumi No. 2 Kab. Karawang Jl. Ahmad Yani No.174 Semarang
Phone: (0511) 3253340 Phone: (0267) 402115 Phone: (024) 8419601
Fax: (0511) 3253362 Fax: (0267) 403704 Fax: (024) 8419604
BATAM KEBAYORAN BARU KHUSUS BANTEN
Komp. Batam Center Square Blok D Jl. Melawai Raya No. 189 Jakarta Selatan Jl. Veteran No. 6 Serang
No.01&16 Phone: (021) 7229777 Phone: (0254) 200190
Phone: (0778) 477577 Fax: (021) 7206990 Fax: (0254) 205640
Fax: (0778) 470330
BEKASI KUNINGAN SINGAPARNA
Jl. Ir. H. Djuanda No.126 Bekasi Jl. Siliwangi Cigembang Kab. Kuningan Jl. Raya Timur Cikiray No.76 Rt001/001 Ds.
Phone: (021) 8802642 Phone: (0232) 871273 Suka
Fax: (021) 8814946 Fax: (0232) 871961 Phone: (0254) 205640
Fax: (0265) 541195
BOGOR LABUAN SOREANG
Jl. KaPTMuslihat 11-13 Kota Bogor Jl. Jend. Sudirman No. 182 Labuan Jl. Raya Soreang Km 17 Kab. Bandung
Phone: (0251) 8324132 Phone: (0253) 801163 Phone: (022) 5891611
Fax: (0251) 8313654 Fax: (0253) 801004 Fax: (022) 5891220
KANTOR CABANG
BRANCH OFFICES
TANGERANG SELATAN MAJALAYA SUBANG
Jl. Let. Sutopo BSD III B-1 Blok E No.01-B Jl. Tengah No.3-6 Kab. Bandung Jl. Jend. A. Yani No.2 Kab. Subang
Serpong Phone: (022) 5953058 Phone: (0260) 420922
Phone: (021) 5373686 Fax: (022) 5955747 Fax: (0260) 420923
Fax: (021) 5373598
bjb Precious Rasuna Said bjb Precious Tasikmalaya bjb Precious Serang
Gedung Palma One Jl. HR Rasuna Said, Jl. Sutisna Senjaya No. 47 Jl. Veteran No. 6 Serang, Banten
Kav.X-2 No.4 GL Jakarta Selatan 12950 Telepon: (0265)-334216 Telepon: (0254)-217701
Telepon: (021) 2521088, 2521008
bjb Precious Bogor bjb precious Karawang bjb precious Soreang
Jl. Kapten Muslihat No.11-13 Bogor 16121 Jl.Kertabumi No.2 Kab.Karawang Jl. Raya Soreang Km 17 Kab. Bandung
Telepon: (0251) 8352530, 8354980 Telepon: 0267-402115 Telepon: 022-5891611
bjb precious Palembang
Jl. H. M. Rasyid Nawawi B5-B6 No. 514- bjb precious Pekanbaru bjb precious Tasikmalaya
516, RT 08 RW 02 Kel 9 Ilir Kec Ilir Timur, Jl.Jend.Sudirman No.391C Pekanbaru Jl. Sutisna Senjaya No.47
Palembang Telepon:0761-849333 Telepon: 0265-334216
Telepon: 0711-311867
UNIT SENTRA UMKM MSME CENTER UNITS
Wilayah Bandung Raya Wilayah Karawang Wilayah Cirebon
Jl. Jend. Ahmad Yani No. 414 Jl. Kertabumi No. 2 Kab. Karawang Jl. Siliwangi No. 30, Kota Cirebon
Kec. Batununggal Telepon: (0267) 8454389 Telepon: (0231) 202584, 202585
Telepon: (022) 2534836, 2510600 Faksimili: (0267) 8454389 Faksimili: (0231) 201583, 239974
Faksimili: (022)-2534820
Wilayah Pakuan Wilayah Priangan Timur Wilayah Banten
Komp. Perkantoran Pemda Kab. Bogor, Jl. Jl. Mayor Utarya No. 30 Jl. Veteran No. 6, Serang-42117, Prov. Banten
Tegar Beriman, Cibinong, Kab. Bogor Kota Tasikmalaya Telepon: (0254) 214248
Telepon: (021) 87912441 Telepon: (0265) 322450 Faksimili: (0254) 214282
Faksimili: (021) 87912441 Faksimili: (0265) 322150
WEEKEND BANKING
Weekend Banking KC Buah Batu
Weekend Banking KCP Setiabudhi
Jl. Buahbatu No. 254, Kota Bandung Weekend Banking KCP Asia Afrika
Jl.Dr.Setiabudi No.169 E Bandung
Telepon: (022) 7304586, 7309547 Jl. Asia Afrika No. 17 Kota Bandung
Telepon: 022-2009813
Faksimili: (022) 7307489, 7309546
Weekend Banking KCP H.Z Mustofa Weekend Banking KK ITC BSD
Weekend Banking KCP Ir. H. Djuanda
Jl. KHZ Mustofa No. 150, Kota Tasikmalaya Jl. Pahlawan Seribu Kec. Serpong Utara Kota
Jl. Ir. H. Juanda No.25 Kota Bandung
Telepon: (0265) 320164 Tangerang Selatan
Weekend Banking KK CiWalk
Weekend Banking KCK Banten Weekend Banking KCP Sudirman
Jl. Cihampelas No. 160 Blok FF 02&03 Lt.1
Jl. Veteran No. 6, Kota Serang Jl.Jend.Sudirman 58 C Bogor
Kota Bandung
Weekend Banking KCP Gunungsari Weekend Banking KCP Martadinata
Weekend Banking KK Lippo Plaza Keboen Raya
Jl. Dr. Cipto Mangunkusumo No. 12A, RT Jl. Laksamana Laut Raden Edi Martadinata
Jl. Malabar 2 No .17A, Kel. Babakan,
02/06, Kel.Pekiringan, Kec. Kesambi, Kota No. 106, Kota Bandung
Kota Bogor
Cirebon Telepon: (022) 82063523
Dalam regulasi OJK tersebut, empat konten In the OJK regulation, four mandatory content are
yang wajib seluruhnya telah tersedia dalam situs all available on the Company website, namely: the
Perseroan, yaitu: informasi umum Perseroan Company general information, information for
informasi bagi pemodal atau investor, informasi investors or investors, information on corporate
tata kelola perusahaan, informasi tanggung governance, information on corporate social
jawab sosial perusahaan. responsibility.
Selain itu, mengacu pada best practise seperti In addition, referring to best practices as stated in
tertuang dalam Annual Report Award (ARA), the 2018 Annual Report Award (ARA), the Company
Perseroan juga telah memenuhinya. Website has also fulfilled them. This website has two
ini memiliki dua versi bahasa, yaitu Bahasa language versions, namely Indonesian and English.
Indonesia dan Bahasa Inggris.
Komisaris
Independen
Fahlino F. Sjuib -
Independent
Commissioner
Refreshment Manajemen PSAK 71 Impairment Deep Dive In Risk Management Banker Association
Direktur Risiko/ Risk Management Perspective For Risk
Keuangan dan 27 Juni 2019, Bali
Refreshment Manajemen PSAK 71 Impairment Deep Dive In Risk Management Management
Manajemen Risiko/ Risk Management Perspective (BARA)
Risiko
Nia Kania
Director Managing People and Processes For Boosting bjb university
of Finance Leadership - Managing
Performance Board Of Director
and Risk People 21 September 2019,
Managing People and Processes For Boosting
Management Leadership - Managing Bandung
Performance Board Of Director
People
Sepanjang tahun 2019, anggota Komite Audit Throughout 2019, members of the Company
Perseroan telah mengikuti berbagai program Audit Committee have participated in various
kompetensi berupa pelatihan, workshop, competency programs in the form of training,
konferensi maupun seminar, sebagaimana workshops, conferences, and seminars, as specified
tabel berikut ini: in the following table:
Ketua merangkap
Pengembangan Kompetensi dapat dilihat pada pengembangan kompetensi Dewan Komisaris
Anggota
Yayat Sutaryat Competence Development can be seen in the development of the Board of Commissioners’
Chairman concurrently
competencies
member
Nury Effendi Anggota Sertifikasi Manajemen Risiko Jakarta, 14 Desember 2019 Sertifikasi
Member Risk Management Certification December 14, 2019, Jakarta Certification
Tettet Fitrijanti Anggota Sertifikasi Manajemen Risiko Jakarta, 14 Desember 2019 Sertifikasi
Member Risk Management Certification December 14, 2019, Jakarta Certification
Nama Materi Pengembangan Kompetensi /Pelatihan Waktu dan Tempat Pelaksanaan Jenis Pelatihan
Name Development Materials Competence / Training Time and Place of Implementation Types of Training
Pelatihan Ujian Sertifikasi Manajemen Risiko Level 3 Tahun Sertifikasi
Jakarta, 4 Januari 2019
2019 Manajemen Risiko
January 4, 2019, Jakarta
Level 3 Risk Management Certification Exam Training 2019 Level 3
Sertifikasi
Ujian Sertifikasi Manajemen Risiko Level 3 Tahun 2019 Jakarta, 6 Januari 2019
Manajemen Risiko
Level 3 Risk Management Certification Exam 2019 January 6, 2019, Jakarta
Level 3
Sertifikasi
Sertifikasi Manajemen Risiko Level 4 Jakarta, 16 Januari 2019
Manajemen Risiko
Level 4 Risk Management Certification January 16, 2019, Jakarta
Level 4
Muhammad Sertifikasi
As’adi Budiman Sertifikasi Manajemen Risiko Level 5 Jakarta, 19 Januari 2019
Manajemen Risiko
Level 5 Risk Management Certification January 19, 2019, Jakarta
Level 5
GCG Assessment & Risk Based Approach In The 4th
Industrial Revolution Uji Berkala Penilaian Peringkat Gcg
Berdasarkan Pendekatan Risiko; Menguji Akurasi Self-
Assessment Peringkat 1 Atau 2 Jakarta, 14-15 November 2019 Good Corporate
GCG Assessment & Risk-Based Approach In The 4th Industrial November 14-15, 2019, Jakarta Governance
Revolution Periodic Test of Assessment of GCG Ratings Based
on a Risk Approach; Test the Accuracy of Self-Assessment Rank
1 or 2
TINJAUAN PEREKONOMIAN
Economic Review
Analisis Perekonomian Global Economic Analysis
Global
Ekonomi dunia tumbuh melambat dikisaran The world economy will slow down to around 3.0%
3,0% (YoY) pada 2019, dari 3,6% pada 2018 (YoY) in 2019, from 3.6% in 2018 (YoY). The economic
(YoY). Kinerja ekonomi negara maju melemah performance of developed countries has weakened
seiring perlambatan ekonomi dunia. Ekonomi AS in line with the global economic slowdown. The US
melambat disebabkan oleh penurunan kegiatan economy slowed down due to the decline in non-
investasi non-residensial akibat penurunan residential investment activities due to a decrease
kepercayaan bisnis. Pertumbuhan ekonomi in business confidence. Economic growth in the
Inggris dan Kawasan Euro tumbuh pada UK and the Euro Area grew at a low range in line
kisaran yang rendah sejalan dengan pelemahan with weak external demand, uncertainty in the
permintaan eksternal, ketidakpastian negosiasi Brexit negotiations, and the halt in production and
Brexit, dan tertahannya aktivitas produksi serta investment activities. The economic slowdown is
investasi. Perlambatan ekonomi juga dialami also experienced by developing countries (mainly
oleh negara berkembang (terutama Tiongkok China and India). The Chinese economy continues
dan India). Ekonomi Tiongkok melanjutkan tren the slowing trend affected by the escalation of
perlambatan terimbas oleh eskalasi perang trade war with the US, and weakening domestic
dagang dengan AS, dan melemahnya permintaan demand. Meanwhile, India’s economy weakened
domestik. Sementara, ekonomi India melemah significantly due to idiosyncratic factors and the
signifikan diakibatkan oleh faktor idiosinkratik decline in external demand. Consumption activities
dan penurunan permintaan eksternal. Aktivitas in various countries have generally slowed down by
konsumsi di berbagai negara secara umum weakening disposable income, financial support,
melambat dipicu antara lain oleh pelemahan and worsening sentiment. Industrial production
disposable income, dukungan pembiayaan, dan activities and the manufacturing sector also
pemburukan sentimen. Kegiatan produksi weakened affected by slowing external and domestic
industri dan sektor manufaktur juga melemah demand (consumption). Declining world demand
terimbas oleh perlambatan permintaan due to the escalation of the trade war, weakening
eksternal dan domestik (konsumsi). Penurunan of the global economy, and the deterioration of the
permintaan dunia akibat eskalasi perang manufacturing sector have again put pressure on
dagang, pelemahan ekonomi global, dan world trade and commodity prices, especially oil.
pemburukan sektor manufaktur kembali Slowing world inflationary pressures are triggered
menekan perdagangan dunia dan harga by falling oil prices. Slowing world economy and
komoditas, terutama minyak. Tekanan inflasi maintained inflationary pressures pushed the
dunia melambat dipicu oleh penurunan harga global central bank to continue accommodative
minyak. Perlambatan ekonomi dunia dan monetary policy. In developed countries,
tekanan inflasi yang terjaga mendorong bank inflationary pressures that are still below the target
sentral global untuk melanjutkan kebijakan provide space for the central bank to conduct more
moneter akomodatif. Di negara maju, tekanan accommodative monetary policies. Meanwhile, the
inflasi yang masih di bawah target memberikan central bank of emerging nations also adopted a
ruang bagi bank sentral untuk melakukan loose policy amid relatively subdued inflation.
kebijakan moneter yang lebih akomodatif.
Sementara itu, Bank sentral negara emerging
juga menempuh kebijakan yang longgar di
tengah tingkat inflasi yang relatif terjaga.
Sumber: Perkembangan Ekonomi Keuangan dan Kerjasama Source: Developments of Financial Economics and International
Internasional (PEKKI), Edisi IV 2019 Cooperation (PEKKI), IV Edition 2019
Dari sisi produksi, pertumbuhan tertinggi In terms of production, the highest growth was
dicapai Lapangan Usaha Jasa Lainnya sebesar achieved by Other Services Business Field at 10.55%.
10,55%. Dari sisi pengeluaran, pertumbuhan In terms of expenditure, the highest growth was
achieved by the Nonprofit Consumption Expenditure
tertinggi dicapai oleh Komponen Pengeluaran
Component serving Households (PK-LNPRT) by
Konsumsi Lembaga Nonprofit yang melayani
10.62%. Indonesia’s economy in quarter IV-2019
Rumah Tangga (PK-LNPRT) sebesar 10,62%.
compared to quarter IV-2018 grew 4.97% (YoY).
Ekonomi Indonesia Triwulan IV-2019 dibanding Indonesia’s economy in quarter IV-2019 compared
Triwulan III-2019 mengalami kontraksi sebesar to quarter III-2019 experienced a contraction
1,74 % (quarter to quarter). Dari sisi produksi, of 1.74% (q-to-q). From the production side, this
hal ini disebabkan oleh efek musiman pada is caused by seasonal effects on the Agriculture,
Lapangan Usaha Pertanian, Kehutanan, Forestry and Fisheries Business Fields which
dan Perikanan yang mengalami penurunan decreased 20.52%. From the expenditure side, it
20,52%. Dari sisi pengeluaran, disebabkan was caused by the component of Exports of Goods
oleh komponen Ekspor Barang dan Jasa yang and Services which contracted by 2.5%. Indonesia’s
mengalami kontraksi sebesar 2,5%. Struktur spatial economic structure in 2019 is dominated by
ekonomi Indonesia secara spasial tahun 2019 provincial groups in Java and Sumatra. Java Island
didominasi oleh kelompok provinsi di Pulau Jawa had the largest contribution to Gross Domestic
dan Pulau Sumatera. Pulau Jawa memberikan Product, at 59.00%, followed by Sumatra Island at
kontribusi terbesar terhadap Produk Domestik 21.32%, and Kalimantan Island 8.05%.
Bruto, yakni sebesar 59,00%, diikuti oleh
Pulau Sumatera sebesar 21,32%, dan Pulau
Kalimantan 8,05%.
Sumber: Pertumbuhan Ekonomi Indonesia Triwulan IV-2019, Source: Indonesia’s Economic Growth in Quarter IV-2019,
Berita Resmi Statistik No. 17/02/Th. XXIV, Badan Pusat Statistik, Official Gazette of Statistics No. 17/02 / Th. XXIV, Statistics
5 Februari 2020. Indonesia, 5 February 2020.
deposito pada Desember 2019 tercatat 6,31%, rate in December 2019 was recorded at 6.31%,
turun 52 bps sejak akhir Juni 2019 sebelum declining 52 bps since the end of June 2019 before
BI 7-Day (Reverse) Repo Rate (BI7DRR) mulai the BI7DRR began to be lowered in July 2019.
diturunkan pada bulan Juli 2019. Suku bunga Working capital credit interest rates fell 33 bps
kredit modal kerja turun 33 bps sejak akhir Juni since the end of June 2019 or 47 bps since January
2019 atau 47 bps sejak Januari 2019 menjadi 2019 to 10.09% in December 2019. Meanwhile,
10,09% pada Desember 2019. Sementara itu, the growth of money supply in the narrow sense
pertumbuhan uang beredar dalam arti sempit (M1) and money supply in a broad sense (M2) in
(M1) dan uang beredar dalam arti luas (M2) pada November 2019 moved in line with the pattern of
November 2019 bergerak sejalan dengan pola economic growth, namely 10.52% (YoY) and 7.11%
pertumbuhan ekonomi, yakni masing-masing (YoY). In further, Bank Indonesia will continue to
10,52% (YoY) dan 7,11% (YoY). Ke depan, Bank ensure adequate liquidity and improve efficiency
Indonesia akan terus memastikan kecukupan on the money market, as well as strengthen the
likuiditas dan meningkatkan efisiensi di pasar transmission of an accommodative policy mix.
uang, serta memperkuat transmisi bauran
kebijakan yang akomodatif.
Stabilitas sistem keuangan tetap terjaga, Financial system stability is maintained, although
meskipun fungsi intermediasi perbankan terus the banking intermediary function continues to be
menjadi perhatian. Stabilitas sistem keuangan a concern. The stability of the financial system is
terjaga tercermin dari rasio kecukupan modal maintained as reflected in November 2019 capital
(Capital Adequacy Ratio/CAR) perbankan adequacy ratio (CAR), which is high at 23.66%,
November 2019 yang tinggi yakni 23,66%, dan and the ratio of non-performing loans (NPL)
rasio kredit bermasalah (Non Performing Loan/ which remains low at 2.77% (gross) or 1.24% (net).
NPL) yang tetap rendah yakni 2,77% (gross) atau Meanwhile, credit growth has not been strong. In
1,24% (net). Sementara itu, pertumbuhan kredit October credit growth of 6.53% (YoY) increased
belum kuat. Pada bulan Oktober pertumbuhan slightly to 7.05% (YoY), which was influenced by
kredit sebesar 6,53% (YoY) sedikit meningkat seasonal patterns of credit demand at the end of
menjadi 7,05% (YoY) yang dipengaruhi pola the year.
musiman permintaan kredit akhir tahun.
Pertumbuhan Dana Pihak Ketiga (DPK) The growth in Third Party Funds (DPK) is not yet
juga belum kuat, meskipun sedikit naik dari strong, although it slightly increased from October
pertumbuhan Oktober 2019 sebesar 6,29% 2019 growth of 6.29% (YoY) to 6.72% (YoY) in
(YoY) menjadi 6,72% (YoY) pada November 2019. November 2019. By considering these dynamics,
Dengan mempertimbangkan dinamika tersebut, 2019 banking credit growth was 6.08% while
pertumbuhan kredit perbankan 2019 sebesar DPK growth of 6.54%. Amid weak credit growth,
6,08% sedangkan pertumbuhan DPK sebesar other sources of economic financing, such as the
6,54%. Di tengah pertumbuhan kredit yang issuance of new corporate bonds and Fintech, grew
belum kuat, sumber pembiayaan ekonomi lain by 7.6% and 141.5% respectively. In 2020, various
seperti penerbitan baru obligasi korporasi dan sources of financing are predicted to improve in line
Fintech tumbuh tinggi masing-masing sebesar with the prospect of increased economic growth,
7,6% dan 141,5%. Pada tahun 2020, berbagai including credit growth and growth in deposits,
sumber pembiayaan diprakirakan membaik each in the range of 10-12% and 8-10%.
sejalan prospek peningkatan pertumbuhan
ekonomi, termasuk pertumbuhan kredit dan
pertumbuhan DPK yang masing-masing dalam
kisaran 10-12% dan 8-10%.
Kelancaran Sistem Pembayaran tetap terjaga the Payment System is maintained both cash and
baik tunai maupun nontunai. Posisi Uang non-cash. Position of Circulated Currency (UYD) as
Kartal Yang Diedarkan (UYD) per Desember of December 2019 grew 5.95% (YoY). Meanwhile,
2019 tumbuh 5,95% (YoY). Sementara itu, non-cash transactions using ATMs, Debit Cards,
transaksi nontunai menggunakan ATM, Kartu Credit Cards, and Electronic Money (EU) in
Debit, Kartu Kredit, dan Uang Elektronik December 2019 grew 2.45% (YoY), dominated by
(UE) posisi Desember 2019 tumbuh 2,45% non-cash transactions using ATM / Debit Cards with
(YoY), didominasi oleh transaksi nontunai a share of 92.92%. EU transactions again recorded
menggunakan Kartu ATM/Debit dengan pangsa high growth reaching 188.31% (YoY) in line with the
92,92%. Transaksi UE kembali mencatatkan continued strengthening of people’s preferences for
pertumbuhan tinggi mencapai 188,31% (YoY) the use of digital money. In further, Bank Indonesia
sejalan dengan terus menguatnya preferensi will continue to encourage economic and financial
masyarakat kepada penggunaan uang digital. digitalization, including strengthening economic
Ke depan, Bank Indonesia terus mendorong inclusion, through the implementation of the
digitalisasi ekonomi dan keuangan, termasuk di Indonesia Payment System Blueprint 2025. QRIS
dalamnya penguatan inklusi ekonomi, melalui acceptance continues to be expanded from
implementasi Blueprint Sistem Pembayaran transactions in traditional markets, universities, to
Indonesia 2025. Akseptasi Quick Response cross-country transactions. BI-FAST as one of the
Code Indonesia Standard (QRIS) terus diperluas retail payment system infrastructure solutions that
mulai dari transaksi di pasar-pasar tradisional, is fast, real-time, available at all times, safe, and
perguruan tinggi, hingga transaksi lintas inexpensive will begin to be built. Coordination
negara. Bank Indonesia Fast Payment (BI- with the government to expand acceptance of non-
FAST) sebagai salah satu solusi infrastruktur cash transactions is carried out by accelerating the
sistem pembayaran ritel yang cepat, real-time, electrification of transactions in the distribution of
tersedia setiap saat, aman, dan murah akan social assistance, the transportation sector, and
mulai dibangun. Koordinasi dengan pemerintah government financial transactions, especially in
untuk perluasan akseptasi transaksi nontunai the regions.
dilakukan dengan percepatan elektronifikasi
transaksi pada penyaluran bantuan sosial,
sektor transportasi, dan transaksi keuangan
pemerintah khususnya di daerah.
Sumber: Tinjauan Kebijakan Moneter Januari 2020, Source: Monetary Policy Review January 2020, Department of
Departemen Kebijakan Ekonomi dan Moneter, Bank Economic and Monetary Policy, Bank Indonesia, 24 January
Indonesia, 24 Januari 2020 2020
Tabel Kinerja Pertumbuhan Bank bjb dibanding rata-rata Bank BUKU III dan Industri Perbankan Per November 2018-2019
Table of Growth Performance of Bank bjb compared to the average of BOOK Bank III and the Banking Industry as of November 2018-2019
dalam miliar Rupiah
in billions IDR
2019
Industri Perbankan
bank bjb Bank BUKU III
Banking Industry
Kinerja Performance
Pertumbuhan Pertumbuhan Pertumbuhan
November November November November November November
Growth Growth Growth
2019 2018 2019 2018 2019 2018
(YoY) (YoY) (YoY)
Aset Asset 120,987 118,033 2.50% 2,585,519 2,697,986 (4.17%) 8,410,906 7,877,836 6.77%
Kredit Credit 81,740 73,613 11.04% 1,719,570 1,787,795 (3.82%) 5,524,180 5,160,155 7.05%
DPK TPF 94,327 91,188 3.44% 1,684,856 1,760,846 (4.32%) 5,947,800 5,573,389 6.72%
Laba Profit 1,304 1,569 (16.89%) 31,715 35,109 (9.67%) 143,156 135,998 5.26%
Pendapatan Interest
10,287 10,174 1.11% 269,032 254,144 5.86% 757,792 674,298 12.38%
Bunga income
Sumber: Statistik Perbankan Indonesia Otoritas Jasa Keuangan (SPI OJK) November 2019
Source: Indonesian Banking Statistics Financial Services Authority (SPI OJK) November 2019
Aset Perseroan per November 2019 As of November 2019, Company assets grew
mengalami pertumbuhan 2,50% berada di 2.50%, above the growth of BOOK Bank III (4.17%).
atas pertumbuhan Bank BUKU III yang sebesar However, the growth of Company assets was still
(4,17%) namun, pertumbuhan aset Perseroan below the banking industry, which reached 6.77%.
masih berada di bawah industri perbankan yang In terms of credit, the bank’s credit growth as of
sebesar 6,77%. Dari sisi kredit, pertumbuhan November 2019 reached 11.04%, far above the
kredit Perseroan per November 2019 mencapai banking industry’s growth of only 7.05% and BOOK
11,04%, jauh berada di atas pertumbuhan Bank III’s (3.82%).
industri perbankan yang hanya sebesar 7,05%
dan Bank BUKU III yang sebesar (3,82%).
DPK Perseroan per November 2019 tumbuh Third party funds of Company as of November
sebesar 3,44% berada di atas pertumbuhan 2019 grew by 3.44%, above the BOOK Bank III
DPK Bank BUKU III yang sebesar (4,32%), growth of 4.32%, but still below the banking
namun masih berada di bawah pertumbuhan industry growth of 6.72%. Whereas the growth
industri perbankan yang sebesar 6,72%. of Company profit as of November 2019 reached
Sedangkan untuk pertumbuhan laba Perseroan (16.89%) below the growth of Bank BOOK III
per November 2019 mencapai (16,89%) berada and the Banking Industry, which was (9.67%)
di bawah pertumbuhan Bank BUKU III dan and 5.26%, the decline in profit was in line with
Industri Perbankan yang sebesar (9,67%) dan the decline in Company interest income as of
5,26%, penurunan laba tersebut sejalan dengan
penurunan pendapatan bunga Perseroan
per November yang tumbuh 1,11% di bawah November, which grew 1.11% below the growth
pertumbuhan Bank BUKU III dan Industri of BOOK Bank III and the Banking Industry, each
Perbankan yang masing-masing sebesar 5,86% at 5.86% and 12.38%.
dan 12,38%.
Grafik Pertumbuhan bank bjb dibanding rata-rata Bank BUKU III dan Industri Perbankan Per November (YoY) dalam (%)
Growth Chart for bank bjb compared to the average BOOK Bank III and banking industry per November (YoY) in (%)
3,44%
2,50%
bank bjb Bank BUKU III Industri bank bjb Bank BUKU III Industri bank bjb Bank BUKU III Industri
Perbankan Perbankan Perbankan
(3,82%)
(4,17%)
(4,32%)
12,38%
5,26%
(9,67%) 1,11%
Perbandingan rasio Perseroan dibanding rata- A comparison of the ratio of Company to the
rata Bank Buku III dan Industri Perbankan average of Book III and Banking Industry is
disajikan dalam tabel di bawah ini. presented in the table below.
Pada tahun 2019, rasio Non-Performing Loan In 2019, the Company Non-Performing Loan
(NPL) Perseroan tercatat sebesar 1,79%, lebih (NPL) ratio was 1.79%, lower than BOOK Bank
rendah dibandingkan rasio NPL Bank BUKU III’s NPL ratio of 2.84% and the banking industry
III sebesar 2,84% dan industri perbankan yang by 2.77% This proves that loans with problems
sebesar 2,77% Hal ini membuktikan bahwa at the Company is controlled so that loan quality
pinjaman yang bermasalah di Perseroan is maintained. Meanwhile the level of Company
terkendali sehingga kualitas pinjaman tetap liquidity as measured by a loan to deposit ratio
terjaga. Sementara itu tingkat likuiditas (LDR) of 86.66%. This value is lower than BOOK
Perseroan yang diukur melalui rasio pinjaman Bank III’s LDR of 102.06%, so it is evident that the
terhadap dana pihak ketiga (Loan to Deposit Company liquidity is maintained.
Ratio (LDR) sebesar 86,66%. Nilai tersebut lebih
rendah dibandingkan LDR Bank BUKU III yang
sebesar 102,06%, sehingga terbukti bahwa
likuiditas Perseroan tetap terjaga.
Tinjauan Operasional
Operational Review
Sebagai badan usaha yang bergerak dalam As a business entity engaged in banking, the
bidang Perbankan, Perseroan memiliki kegiatan Company has the following business activities.
usaha sebagai berikut.
1. Menghimpun dana dari masyarakat dalam 1. Collecting funds from the public in the form of
bentuk simpanan berupa giro, deposito deposits in the form of demand deposits, time
berjangka, sertifikasi deposito, tabungan deposits, certification of deposits, savings and /
dan/atau bentuk lainnya yang dipersamakan or other forms equivalent.
dengan itu.
2. Memberikan kredit. 2. Distributing loan.
3. Menempatkan dana pada, meminjam dana 3. Placing funds in, borrowing funds from, or
dari, atau meminjamkan dana kepada bank lending funds to other banks, either by using
lain, baik dengan menggunakan surat, letters, telecommunications facilities or by
sarana telekomunikasi maupun dengan drafts, checks or other means.
wesel unjuk, cek atau sarana lainnya.
4. Melakukan kegiatan dalam pernyertaan 4. Conducting activities in capital participation
modal pada bank atau perusahaan di bidang in banks or other financial services companies
jasa keuangan lainnya atau mendirikan or establishing new companies as long as they
perusahaan baru sepanjang sesuai dengan comply with applicable regulations.
ketentuan yang berlaku.
5. Melakukan kegiatan dalam valuta asing dan 5. Conducting activities in foreign exchange and
bertindak sebagai bank devisa dengan acting as a foreign exchange bank by meeting
memenuhi ketentuan yang di tetapkan oleh the conditions set by the authorities.
yang berwenang.
Selain itu, sebagai Bank pembangunan daerah, In addition, as a regional development bank, the
Perseroan juga membantu Pemerintah Provinsi, Company also helps provincial, city or regency
Kota atau Kabupaten se-Jawa Barat dan Banten governments in West Java and Banten in fostering
dalam membina Bank Perkreditan Rakyat Rural Credit Banks (BPR) and other financial
(BPR) dan instusi jasa keuangan lainnya milik service institutions owned by provincial, city or
pemerintah Provinsi, Kota atau Kabupaten se- regency governments in West Java and Banten, and
Jawa Barat dan Banten yang sebagian sahamnya some of the shares are owned by the Company,
dimiliki oleh Perseroan, atau Perseroan sama or the Company does not own any shares but is
sekali tidak memiliki saham namun diminta asked to help with the development of the BPR
untuk membantu pembinaan BPR dimaksud. aforementioned.
2. Penghimpunan Dana Pihak Ketiga Melalui 2. Third Party Fund Collection Through E-Channel
Pengembangan E-Channel Untuk Menjaga Development to Maintain Adequate Liquidity
Likuiditas Yang Memadai
a. Pengembangan layanan perbankan a. Developing digital-based institutional
institusi yang berbasis digital melalui banking services through collaboration with
kerjasama dengan institusi financial financial technology institutions (Fintech) to
technology (Fintech) untuk diterapkan be applied to each segment of institutional
pada setiap segmen nasabah institusi. customers.
b. Ketersediaan layanan kepada nasabah b. Availability of services to customers through
melalui pengembangan e-channel untuk the development of e-channels to support
mendukung peningkatan transaksional the increase in banking transactions that
banking yang konsisten dan fleksibel are consistent and flexible with a wide reach.
dengan jangkauan luas.
c. Peningkatan akurasi, keamanan dan c. Increasing the accuracy, security and
kenyamanan dalam bertransaksi convenience in making transactions
menggunakan produk e-banking using Company e-banking products in
Perseroan berkoordinasi dengan coordination with related branches and
cabang dan Divisi terkait dalam upaya divisions in an effort to increase the number
meningkatkan jumlah transaksi melalui of transactions through e-channels by
e-channel dengan melakukan perbaikan making improvements both in the process
(improvement) baik secara proses dan and supporting infrastructure.
infrastruktur pendukung.
d. Menjadi gerbang utama bisnis institusi d. Becoming the main gate of institutional
melalui kerjasama layanan perbankan business through banking service
untuk meningkatkan transaksional cooperation to improve banking
banking. transactions.
e. Peningkatan layanan strategis serta e. Improved strategic services and a human to
pendekatan human to human untuk human approach to increase the acquisition
peningkatan perolehan Dana Pihak Ketiga of Third Party Funds, especially CASA.
terutama CASA.
f. Kerjasama layanan perbankan dengan f. Cooperation in banking services with institu
nasabah institusi (business to government) tional customers (business to government)
serta mengembangkan kerjasama bisnis and developing business cooperation
dengan nasabah dan prospek potensial with customers and potential prospects of
nasabah institusi (business to business). institutional customers (business to business).
g. Membangun sales culture awareness untuk g. Building sales culture awareness to increase
peningkatan dana pihak ketiga serta third party funds and improve the function
meningkatkan fungsi Perseroan sebagai of the Company as a transactional bank.
bank transaksional.
-- Pertumbuhan portofolio kredit BPR -- BPR and MFI loan portfolio growth by
dan LKM dengan membentuk sinergi forming business synergies through
bisnis melalui produk-produk yang products that are equipped with dynamic
(fee dilengkapi fitur dinamis berbasis features based on information technology
teknologi informasi
-- Akselerasi proses bisnis Kredit -- Accelerating the business process of
Pemilikan Rumah (KPR) dan Kredit Housing Loans (KPR) and Motorized
Kendaraan Bermotor (KKB) dalam Vehicle Loans (KKB) in order to improve
rangka meningkatkan Service Level the Service Level Agreement through
Agreement melalui pengembangan system development, both through core
sistem, baik melalui core banking banking and non-core applications.
maupun aplikasi non core.
l. Peningkatan produk non cashloan (supply l. Increased non-cash loan products (supply
chain financing, SKBDN, Garansi Bank, chain financing, SKBDN, Bank Guarantees,
dan lain-lain) untuk meningkatkan fee etc.) to increase fee-based income.
based income.
m. Optimalisasi fee based income melalui m. Optimizing fee-based income through
pemasaran produk wealth management marketing wealth management products
dan peningkatan transaksi. and increasing transactions.
-- Meningkatkan peran aktif audit internal -- Enhancing the active role of internal audit
dalam tata kelola terintegrasi bagi in integrated governance for healthy and
konglomerasi keuangan yang sehat sustainable financial conglomerates, as
dan berkelanjutan, serta memberikan well as providing added value for banks.
nilai tambah bagi bank.
-- Membentuk auditor yang mampu -- Forming auditors who are able to work
bekerja secara profesional, memiliki professionally, have a deep main activities
pemahaman mendalam terhadap understanding of corporate culture,
budaya perusahaan, operasional dan operations and business, information
bisnis, sistem teknologi informasi, serta technology systems, and are certified
tersertifikasi secara nasional maupun nationally and internationally to carry
internasional untuk menjalankan out the best audit practices.
praktik audit terbaik.
10. Program Mengulang Setia merupakan 10. The Faithful Repeat Program is a program for
program pembebasan biaya provisi dan waiving provision fees and administration fees
biaya administrasi pelunasan kepada debitur for repaying debtors to repeat Consumer Loans
mengulang Kredit Konsumer dengan kriteria with certain criteria.
tertentu.
11. Program Diskon Provisi merupakan program 11. Provision Discount Program is a program of
pemberian diskon provisi kepada debitur providing discount discounts to debtors who
yang melakukan realisasi kredit yang carry out credit realization that is applied in
diberlakukan pada beberapa wilayah kerja several working areas of Company, in order
Perseroan, guna meningkatkan daya saing to increase product competitiveness with
produk dengan bank pesaing. competing banks.
Strategi Pemasaran Kredit UMKM 2019 Marketing Strategy 2019 of MSME Loans
Strategi pemasaran yang dilakukan oleh Kredit The marketing strategies undertaken by MSME
UMKM pada tahun 2019 adalah sebagai berikut: Loan in 2019 are as follows:
Strategi Pemasaran Produk Dana Pihak Marketing Strategy in 2019 of Third Party
Ketiga Tahun 2019 Product
Uraian strategi perusahaan dalam A description of the company’s strategy for
peningkatan komposisi DPK untuk increasing the composition of TPF for optimal TPF
pertumbuhan DPK yang optimal yang telah growth implemented in 2019 is as follows:
dilaksanakan di 2019 adalah sebagai berikut:
1. Program promosi tabungan tandamata 1. Umrah term 2019 savings term savings
berjangka umroh 2019. promotion program.
2. Program promosi tabungan bjb tandamata 2. bjb savings retirement promotion program in
purnabakti berupa member get member the form of member get member quarter I in
Triwulan I tahun 2019. 2019.
3. Program promosi tabungan bjb dengan 3. bjb savings promotion program with the first
program promosi BIG sureprize triwulan I quarter of BIG surprise promotion program in
tahun 2019. 2019.
4. Program apresiasi Marketing Dana 4. Consumer Fund Marketing appreciation
Konsumer atas evaluasi kinerja tahun 2018 program for the 2018 performance evaluation
serta menyampaikan strategi-strategi dalam and to convey strategies in achieving the TPF
mencapai target DPK tahun 2019. target in 2019.
5. Program apresiasi Marketing Dana Konsumer 5. The Consumer Fund Marketing appreciation
atas evaluasi penjualan produk tabungan program for evaluating the sale of the SimPel
bjb SimPel tahun 2018 serta strategi dalam bjb savings product in 2018 and the strategy
mencapai target tabungan SimPel 2019 in achieving the SimPel 2019 savings target
dalam mendukung program pemerintah in supporting the government program “One
“One Student One Account”. Student One Account”.
6. Program promosi tabungan untuk 6. Savings promotion program for communities
komunitas berupa keikutsertaan dalam in the form of participation in community
kegiatan komunitas dalam bentuk program activities in the form of a special open table
open table khusus selama satu tahun: Harley program for one year: Harley Davidson Club
Davidson Club Indonesia (HDCI), GTR Owner Indonesia (HDCI), GTR Owner Club Indonesia,
Club Indonesia, Elite showcase, Jakarta Meet Elite showcase, Jakarta Meet Up, Clean n
Up, Clean n’ Tidy, Kozie Coffee, Kwarda Jabar ‘Tidy, Kozie Coffee, Kwarda Jabar and GRAB
dan GRAB Indonesia. Indonesia.
7. Program promosi tabungan dalam rangka 7. Savings promotion program in the context of
menyambut HUT bank bjb ke 58 dan Hari welcoming the 58th anniversary of bank bjb
Kartini 2019. and Kartini Day 2019.
8. Program promosi tabungan bjb SimPel serta 8. SimPel bjb savings promotion program
berpartisipasi aktif dalam kegiatan yang and 45 actively participate in activities
diselenggarakan oleh Otoritas Jasa Keuangan organized by the Financial Services
(Otoritas Jasa Keuangan) dalam Kegiatan Authority in the 2019 SimPel Day
SimPel Day 2019, AkSiMuda (Aksi Mahasiswa Activities, AkSiMuda (Indonesian Student
dan Pemuda Indonesia Menabung) Tahun and Youth Savings Action) 2019, FinExpo
2019, FinExpo and Sundown Run 2019, and Sundown Run 2019, Youth Innovation
Youth Innovation Summit Tahun 2019, Summit in 2019, SimPel Goes to School.
SimPel Goes to School,.
9. Program promosi tabungan bjb My First and 9. The bjb My First and bjb SimPel savings
bjb SimPel dengan program Kids Saving Plan promotion program with the Kids Saving Plan
sepanjang Triwulan II Tahun 2019. program during the second quarter of 2019.
10. Program promosi tabungan bjb Simpeda 10. T he bjb Simpeda savings promotion
berupa keikutsertaan dalam program program in the form of participation in the
Undian Berhadiah yang diselenggarakan Lucky Draw program which is held every 6
setiap 6 (enam) bulan sekali. (six) months.
11. Program promosi tabungan bjb SiMuda 11. The SiMuda bjb savings promotion program
untuk produk tabungan bjb SiMuda for the bjb SiMuda InvestasiKu savings product
InvestasiKu periode Juli – Desember 2019. period July - December 2019.
Adapun kegiatan pemasaran produk dana The marketing activities of third party fund products
pihak ketiga yang dilakukan oleh Perseroan carried out by the Company in 2019 include the
tahun 2019 antara lain sebagai berikut: following:
1. Kerjasama Penghimpunan DPK dengan 1. Collecting Third Party Funds Collaboration with
pihak ketiga third parties
-- Dana Tunjangan Pendidik dan Tenaga -- Funds for Educators and Education
Kependidikan (Dana Sertifikasi) Kerjasama Personnel Allowances (Certification Funds)
Perseroan dengan Direktorat Guru dan Collaboration with the Directorate of
Tenaga Kependidikan Kementerian Teachers and Education Personnel of the
Pendidikan dan Kebudayaan terkait Company of the Ministry of Education and
dengan penyaluran Dana Tunjangan Culture related to the distribution of Funds
Pendidik dan Tenaga Kependidikan untuk for Educators and Education Personnel for
jenjang Pendidikan Dasar, Pendidikan the Basic Education, Secondary Education,
Menengah, Taman Kanak-Kanak, Kindergarten, Early Childhood Education
Pendidikan Anak Usia Dini (PAUD), dan (PAUD), and Non-Formal and Informal Early
Pendidikan Anak Usia Dini Non-Formal
dan Informal (PAUDNI) dengan total dana Childhood Education (PAUDNI) with total
yang disalurkan sampai dengan pada funds disbursed up to the Fourth Quarter of
Trilulan IV tahun 2019 sebesar kurang 2019 amounting to approximately IDR9.2
lebih Rp9,2 triliun. trillion.
-- Dana Bantuan Operasional Sekolah -- School Operational Assistance Funds
(BOS) Kerjasama Perseroan dengan (BOS) Company collaboration with the
Dinas Pendidikan Provinsi Jawa Barat dan West Java Provincial Education Office and
Dinas Pendidikan Provinsi Banten dalam Banten Provincial Education Office in the
penyaluran Dana Bantuan Operasional
distribution of School Operational Assistance
Sekolah (BOS) untuk sekolah tingkat
Funds (BOS) for elementary and primary
Sekolah Dasar dan Sekolah Menegah
Pertama di wilayah Jawa Barat dan Banten schools in the West Java and Banten regions
dengan total dana yang disalurkan selama with total funds channeled during 2019 of
2019 kurang lebih Rp6,705 triliun dimana approximately IDR6.705 trillion in which
terdapat peningkatan sebesar kurang there was an increase of approximately IDR
lebih Rp45 miliar dari tahun sebelumnya. billion from the previous year.
-- Penyaluran Dana Beasiswa Jabar -- Distribution of Jabar Future Leader
Future Leader Tahun 2019 Perseroan Scholarship Funds for 2019 Company in
bekerjasama dengan Dinas Pendidikan cooperation with the West Java Provincial
Provinsi Jawa Barat kepada mahasiswa/i Education Office to selected students for S1,
yang terpilih untuk jenjang S1, S2 dan S3 S2 and S3 levels amounting to IDR47,475
sebesar Rp47.475 miliar. billion.
-- Dinas Pemberdayaan Masyarakan dan -- The Community Empowerment Office and
Pemerintah Desa Provinsi Jawa Barat the Provincial Government of West Java
melakukan penyaluran Tunjangan bagi Province distributed Allowances for village
para pendamping desa melalui Perseroan facilitators through the Company as a
sebagai bank penyalur sebesar kurang channeling bank of approximately IDR15
lebih Rp15 miliar untuk tahun 2019. billion for 2019.
-- Penyaluran upah Kegiatan Perluasan -- Wage distribution of Work Empowerment and
Lapangan Kerja Padat Karya Work Expansion Activities Empowerment,
Pemberdayaan Lingkungan, program work programs from the Department
kerja dari Dinas Tenaga Kerja dan of Manpower and Transmigration in
Transmigrasi bekerjasama dengan collaboration with the Company channeling
Perseroan menyalurkan dana sebesar funds of approximately IDR2 billion.
kurang lebih Rp2 miliar.
-- Perjanjian Kerjasama Penyaluran Dana -- Cooperation Agreement for the Distribution
Hibah Bantuan Sosial Perbaikan Rumah of Social Assistance Grants for Improvement
Tidak Layak Huni (RUTILAHU) Tahun of Uninhabitable Homes (RUTILAHU) in
2019 Dinas Perumahan dan Pemukiman 2019 West Java Provincial Housing and
Provinsi Jawa Barat dengan total Settlements Service with a total distribution
penyaluran Rp262 miliar. of IDR262 billion.
-- MoU dengan ASABRI dalam pembayaran -- MoU with ASABRI in payment of benefits for
manfaat program tabungan hari tua, old age savings programs, work accident
jaminan kecelakaan kerja, dan jaminan insurance, and death benefits including cash
kematian termasuk nilai tunai iuran value of pension contributions for National
pensiun bagi prajurit TNI, anggota Army soldiers, members of the National
Polri, dan pegawai ASN di Lingkungan Police, and Civil Government employees in
Kementerian Pertahanan dan Kepolisian the Ministry of Defense and the Indonesian
Negara Republik Indonesia. Potensi dana National Police. The potential for pension
asuransi pensiun sebesar Rp1,3 triliun insurance funds is IDR1.3 trillion and
dan gaji pensiun Rp2 triliun untuk tahun pension salaries of IDR2 trillion for 2019.
2019.
9 Sosialisasi Produk SimPel SimPel Product 10 Desember 2019 Toko Buku Gramedia Toko Buku Gramedia
pada Kegiatan Launching Socialization at Karawang December 10, 2019 Karawang Karawang
Program Karawang Cerdas Pintar Program Launching
Activity
10 Sosialisasi Produk SimPel SimPel Product 18-19 Desember 2019 SDN 1 dan SDN 2 Pegagan SDN 1 and SDN 2 Pegagan
pada kegiatan Proyek Socialization at the Pilot December 18 – 19, 2019 Kidul, Kabupaten Cirebon Kidul, Kabupaten Cirebon
Percontohan Percepatan Project for Inclusive
Financial Acceleration with
Keuangan Inklusif bersama
OJK and the World Bank
OJK dan World Bank
5. Melakukan Sinergi dengan divisi bisnis 5. Synergizing with related business divisions
terkait dan kantor cabang untuk melakukan and branch offices to conduct joint visits in
joint visit dalam meningkatkan nasabah dan increasing customers and portfolios.
potofolio.
6. Melalukan small gathering dalam penjualan 6. Through a small gathering in the sale of
produk-produk inventasi yang Bekerjasama inventory products in collaboration with
dengan partner bisnis manager investasi dan business partners, investment managers and
perusahaan asuransi. insurance companies.
7. Melakukan program-program yang 7. Conducting programs that support the
mendukung dalam peningkatan loyalty dan improvement of loyalty and portfolio and bjb
portofolio serta nasabah bjb precious. precious customers.
6. Strategi pemasaran difokuskan pada sektor- 6. The marketing strategy is focused on business
sektor usaha yang mendukung program sectors that support government programs and
pemerintah dan pengembangan sektor the development of the real sector, including
rill, yaitu diantaranya sektor konstruksi, the construction, infrastructure, export-import
infrastruktur, perdagangan ekspor impor, trade, manufacturing sectors and others.
manufaktur dan lain-lain.
7. Perluasan target pemasaran kepada 7. Expansion of marketing targets to companies
perusahaan-perusahaan yang menjadi mitra that are debtor business partners.
bisnis debitur.
Adapun beberapa strategi yang diterapkan Some of the strategies applied by DPLK bjb are
DPLK bjb disesuaikan dengan potensi, peluang, adjusted to the potential, opportunities, obstacles
hambatan dan tantangan yang dihadapi adalah: and challenges faced:
1. Pricing yang membuat DPLK bank bjb lebih 1. Pricing makes the DPLK bjb more competitive.
kompetitif.
2. Bundling product, dengan mengoptimalkan 2. Product bundling, by optimizing the captive
captive market yang telah dimiliki pemasaran market that has been owned by marketing can
dplk dilakukan secara bundling dengan be done in bundling with service products both
produk-produk layanan baik retail, consumer retail, consumer or commercial. Relationships
ataupun komersial. Relasi yang telah that have been built well with existing
terbangun dengan baik dengan stake holder stakeholders and customers are expected to
dan nasabah yang ada diharapkan akan facilitate the marketing of MPA products.
mempermudah pemasaran produk DPLK.
3. Peningkatan brand awareness dilakukan 3. Increasing brand awareness is carried out
secara intensif dengan melakukan promosi intensively by promoting electronic and print
di media elektronik dan media cetak, video media, video tron, billboard visualization
tron, visualisasi billboard dan update sales and sales kits updates and utilizing social
kits serta memanfaatkan trend penggunaan media usage trends in addition to direct
sosial media selain dengan melakukan marketing to customers and through events
pemasaran langsung ke nasabah dan melalui and gatherings.
event dan gathering.
4. Brand Campaign berupa literasi dan Edukasi 4. Brand Campaign in the form of literacy and
bersama Otoritas Jasa Keuangan untuk education with the Financial Services Authority
meningkatkan Brand Identity to improve Brand Identity
5. Berkoordinasi dengan Divisi Bisnis terkait 5. Coordinate with the Business Division related to
peningkatan cross selling dan juga Divisi increasing cross selling and also the Supporting
supporting seperti misalnya Divisi Corsec Division such as the Corsec Division in the
dalam rangka akses ke pemerintah daerah context of access to local governments and
dan lembaga-lembaga. institutions.
6. Penawaran reward untuk kantor cabang 6. Offering rewards for branch offices and branch
dan KCP bahkan dimungkinkan untuk para offices is even possible for DPLK selling agents
agen penjual DPLK dalam upaya untuk in an effort to increase DPLK managed funds
peningkatan dana kelolaan DPLK dengan by taking into account the costs and benefits
memperhatikan Cost and Benefit yang di obtained.
peroleh.
7. Melakukan program- program priority 7. Conduct priority investment programs to
investment untuk mendukung loyalitas para support the loyalty of participants and increase
peserta dan peningkatan partner bisnis/ business partners / agents / employers.
agen/pemberi kerja.
8. Melakukan program Top up dana dan 8. Conduct a funding top-up program and a
program fresh fund untuk meningkatkan fresh fund program to increase the DPLK fund
portofolio dana DPLK. portfolio.
9. Strategi untuk peningkatan kemampuan 9. Strategies to increase DPLK Internal Marketing
sumber daya Marketing Internal DPLK seperti resource capabilities such as training programs
program pelatihan tenaga marketing, softskill for marketing staff, soft skills and technical
dan technical skill skills.
Perseroan menghadapi persaingan pasar Company faces market competition with Bank
dengan Bank BUKU III (Bank dengan modal BUKU III (Banks with core capital of IDR5 trillion to
inti Rp5 triliun sampai dengan kurang dari less than IDR30 trillion) presented as follows
Rp30 triliun) yang disajikan sebagai berikut
Keterangan
Uraian Description November 2019 November 2018
Information
Bank Buku III 2.585.519 2.697.986
Berdasarkan jumlah aset, penguasaan pasar Based on total assets, the market share of
Perseroan terhadap bank BUKU III November Company over BUKU III banks in November
2019 mencapai 4,68% mengalami peningkatan 2019 reached 4.68%, an increase compared to
dibandingkan dengan November 2018 yang November 2018 which reached 4.37%. In terms of
mencapai 4,37%. Dari sisi jumlah dana pihak the number of third party funds, Company market
ketiga pangsa pasar Perseroan November share in November 2019 reached 5.60%, which
2019 mencapai 5,60% yang juga meningkat also increased compared to the previous year
dibandingkan dengan tahun sebelumnya which reached 5.18%. As for the market share, the
yang mencapai 5,18%. Sedangkan untuk number of loans extended as of November 2019
pangsa pasar jumlah kredit yang diberikan Company reached 4.75%, an increase compared
per November 2019 Perseroan mencapai to November 2018 which reached 4.12%. The
4,75% meningkat dibandingkan dengan increase in market share is the application of an
November 2018 yang mencapai 4,12%. effective strategy undertaken by the Company.
Kenaikan pangsa pasar merupakan penerapan
dari strategi yang dilakukan oleh Perseroan.
Diagram Pangsa Pasar bank bjb dibandingkan dengan Bank BUKU III November Tahun 2019
The market share diagram of bank bjb compared to Bank BUKU III November 2019
bank bjb Bank BUKU III bank bjb Bank BUKU III bank bjb Bank BUKU III
Diagram Pangsa Pasar bank bjb dibandingkan dengan Bank BUKU III November Tahun 2018
The market share diagram of bank bjb compared to Bank BUKU III November 2018
bank bjb Bank BUKU III bank bjb Bank BUKU III bank bjb Bank BUKU III
Selain menghadapi persaingan di Bank BUKU Beside facing competition at Bank BUKU III,
III, Perseroan juga menghadapi persaingan Company also faces competition with the Banking
dengan Industri Perbankan. Pangsa pasar Industry. Company market share based on total
Perseroan berdasarkan jumlah aset, jumlah assets, total third party funds, and total loans
dana pihak ketiga, dan jumlah kredit yang extended are described as follows.
diberikan diuraikan sebagai berikut.
Tabel Pangsa Pasar bank bjb dibandingkan dengan Industri Perbankan Indonesia
Table of Bank bjb Market Share compared to the Indonesian Banking Industry
dalam miliar Rupiah
in billions IDR
Di tengah ketatnya persaingan di Bank BUKU III, In the midst of intense competition at BOOK
Perseroan juga menghadapi persaingan dengan Bank III, Company also faces competition with
seluruh Industri Perbankan di Indonesia. the entire Banking Industry in Indonesia. Based
Berdasarkan jumlah aset per November 2019, on total assets per November 2012, the market
pangsa pasar mencapai 1,44%, sedikit turun share reached 1.44%, slightly down compared to
dibandingkan dengan November 2018 yang November 2018 which reached 1.50%. The market
mencapai 1,50%. Pangsa pasar jumlah dana shares of the number of third party funds as of
pihak ketiga per November 2019 juga sedikit November 2019 also slightly decreased to 1.59%
mengalami penurunan menjadi 1,59% dari from 1.64% as of November 2018. Despite this the
1,64% per November 2018. Meskipun demikian market share of the amount of loans granted has
pangsa pasar jumlah kredit yang diberikan increased from 1.43% in November 2018 to 1.48%
berhasil meningkat dari 1,43% di November as of November 2019.
2018 menjadi 1,48% per November 2019.
Diagram Pangsa Pasar bank bjb dibandingkan dengan Industri Perbankan November Tahun 2019
The diagram of bank bjb market share compared to the banking industry November 2019
Bank bjb Bank BUKU III Bank bjb Bank BUKU III Bank bjb Bank BUKU III
Diagram Pangsa Pasar bank bjb dibandingkan dengan Industri Perbankan November Tahun 2018
The Diagram of bank bjb market share compared to the banking industry November 2018
Bank bjb Bank BUKU III Bank bjb Bank BUKU III Bank bjb Bank BUKU III
Grafik Pangsa Pasar bank bjb dibandingkan dengan Bank BUKU III (dalam %)
Graph of bank bjb Market Share compared to Bank BUKU III (in %)
5,60 %
5,18 %
4,68 % 4,75 %
4,37 %
4,12 %
Nov 18 Nov 19
Grafik Pangsa Pasar bank bjb dibandingkan dengan Industri Perbankan (dalam %)
Graph of bank bjb market share compared to the banking industry (in%)
1,61 %
1,59 %
1,50 %
1,48 %
1,44 %
1,43 %
Nov 18 Nov 19
Pendapatan, beban, hasil, aset dan liabilitas Segment revenue, expenses, results, assets and
segmen mencakup item-item yang dapat liabilities include items that are directly attributable
diatribusikan langsung kepada suatu segmen to a segment as well as those that can be
serta hal-hal yang dapat dialokasikan dengan allocated on an appropriate basis to the segment.
dasar yang sesuai kepada segmen tersebut. Segment items are determined before balances
Item-item segmen ditentukan sebelum saldo and transactions between Business Groups are
dan transaksi antar Kelompok Usaha, dieliminasi eliminated as part of the consolidation process.
sebagai bagian dari proses konsolidasi. Bank Banks and subsidiaries present business segments
dan entitas anak menyajikan segmen usaha based on consolidated internal reports that are
berdasarkan laporan internal konsolidasian presented to operational decision makers, namely
yang disajikan kepada pengambil keputusan the Board of Directors.
operasional yaitu Direksi.
Dalam menjalankan kegiatan usahanya, In carrying out its business activities, the Company
Perseroan memiliki 2 (dua) segmen usaha has 2 (two) business segments, namely the
yaitu konvesional dan segmen syariah. Segmen conventional segment and the sharia segment.
konvensional meliputi produk pinjaman, produk The conventional segment includes loan products,
dana pihak ketiga, dan jasa layanan. Sedangkan, third party fund products, and services. Meanwhile,
segmen syariah dilaksanakan melalui kegiatan the sharia segment is implemented through the
usaha entitas anak. business activities of subsidiaries.
Pertumbuhan
2019 2018
Divisi Division Growth
(Rp) (%) (Rp) (%) (Rp) (%)
Konsumer Consumer 56,962,542,670 69.38% 51,479,633,583 68.65% 5,482,909,087 10.65%
Komersial dan Korporasi Comersial and Corporation 13,217,803,845 16.10% 12,245,062,523 16.33% 972,741,322 7.94%
KPR Home Ownership Loans 6,148,216,258 7.49% 5,810,674,427 7.75% 337,541,831 5.81%
BPR dan LKM BPR and LKM 3,521,251,770 4.29% 3,531,791,915 4.71% (10,540,145) (0.30%)
UMKM MSME 2,250,778,842 2.74% 1,924,554,955 2.57% 326,223,887 16.95%
Total Total 82,100,593,385 100.00% 74,991,717,403 100.00% 7,108,875,982 9.48%
Pada periode 31 Desember 2019, Komposisi In the period of December 31, 2019, the highest
portofolio Kredit yang paling tinggi berasal dari composition of the loan portfolio originating
kredit konsumer mencapai 69,38% dari total from consumer loans reached 69.38% of the total
penyaluran Kredit pada Perseroan. Peningkatan lending to Company. This increase in consumer
penyaluran kredit konsumer ini mencapai lending reachedIDR5.48 trillion or 10.65% in 2019.
Rp5,48 triliun atau 10,65% di tahun 2019. Hal This shows that consumer credit still dominates the
ini menunjukan bahwa kredit konsumtif masih Company credit portfolio.
mendominasi portofolio kredit Perseroan.
16,33 % 16,10 %
2018 68,65 % 2019 69,38 %
Konsumer
Komersial & Korporasi
KPR
BPR & LKM
UMKM
56,96 %
51,48 %
13,22 %
12,25 %
2018 2019
Konsumer Consumer
Hingga akhir tahun 2019, Perseroan telah Until the end of 2019, Company has launched 6
meluncurkan 6 (enam) produk kredit konsumer (six) consumer credit products and their product
beserta turunan produknya yang dapat derivatives that can serve the needs of customers
melayani kebutuhan nasabah dari berbagai from various groups, including:
kalangan, diantaranya yaitu: 1. bjb Guna Bhakti Loans (bjb KGB)
1. bjb Kredit Guna Bhakti (bjb KGB) It is a loan facility for fixed income debtors
Merupakan fasilitas kredit untuk debitur with the purpose of using multipurpose
berpenghasilan tetap dengan tujuan consumptive, intended for Civil Government
penggunaan konsumtif multiguna, yang Apparatus (ASN), BUMN / BUMD Employees,
diperuntukkan bagi Aparatur Sipil Negara Employees of Non-PNS Government Institutions
(ASN), Pegawai BUMN/BUMD, Pegawai / Government Agencies, Members of the TNI /
Lembaga Negara/Instansi Pemerintah Non POLRI, Private / Foundation Employees, Heads
PNS, Anggota TNI/POLRI, Pegawai Swasta/ and Deputy Representatives Regional Heads,
Yayasan, Kepala dan Wakil Kepala Daerah, Board Members, Village Officials, and others.
Anggota Dewan, Perangkat Desa, dan lain-
lain.
2. bjb Kredit Pra Purna Bhakti (bjb KPPB) 2. bjb Pre-Full Bhakti Loans (bjb KPPB)
Merupakan fasilitas kredit untuk debitur It is a loan facility for fixed income borrowers
berpenghasilan tetap yang akan memasuki who will retire, intended for the Civil Government
masa pensiun, diperuntukkan bagi Aparatur Apparatus (ASN) and Members of the National
Sipil Negara (ASN) dan Anggota TNI/POLRI. Army / Police Department.
3. bjb Kredit Purna Bhakti (bjb KPB) 3. bjb Purna Bhakti Loans (bjb KPB)
Merupakan fasilitas kredit atau pembiayaan A loan or financing facility for debtors /
untuk debitur/calon debitur dengan status prospective borrowers with their own pension
pensiun sendiri atau pensiun janda/duda status or widowed / widower pension that
yang digunakan untuk tujuan penggunaan is used for the purpose of multipurpose
konsumtif multiguna. consumptive use.
4. bjb Back to Back Loan (bjb BTB) 4. bjb Back to Back Loan (bjb BTB)
Merupakan fasilitas kredit dengan jaminan A loan facility with collateral in the form of
berupa Agunan Kas/cash collateral, baik cash collateral, in the form of savings, current
berbentuk tabungan, giro, atau deposito. accounts, or deposits.
5. bjb Kredit Abdi Bhakti (bjb KAB) 5. Bjb Abdi Bhakti Loans (bjb KAB)
Merupakan fasilitas kredit yang diberikan It is a loan facility provided to Company
kepada pegawai Perseroan dengan tujuan employees with multipurpose consumptive
konsumtif multiguna. purposes.
Pengembangan Produk dan Layanan Kredit Product Development and Consumer Loans Ser-
Konsumer vices
Pengembangan produk dan layanan The development of consumer loan products and
kredit konsumer yang dilakukan pada services carried out in 2019 is as follows:
tahun 2019 adalah sebagai berikut:
1. bjb Kredit Guna Bhakti (bjb KGB) 1. bjb Guna Bhakti Loans (bjb KGB)
Pada tahun 2019, telah dilakukan In 2019, adjustments have been made to the
penyesuaian pada ketentuan penyaluran provisions on the distribution of the KGB bjb
bjb KGB yang tertuang dalam Manual set forth in the bjb Guna Bhakti (KGB) Product
Produk bjb Kredit Guna Bhakti (KGB) terkait Manual related to the features and provisions of
fitur dan ketentuan produk tersebut dengan the product with the aim of increasing product
tujuan meningkatkan daya saing produk, competitiveness, optimizing distribution in
optimalisasi penyaluran guna meningkatkan order to increase the portfolio and achieving
portofolio serta pencapaian kualitas the quality of Consumer and Retail Loan better,
Kredit Konsumer dan Ritel yang lebih baik, including the following:
diantaranya sebagai berikut:
a. Fitur produk (Angsuran, plafond, a. Product features (Installments, plafond,
ketentuan agunan dan jangka waktu collateral provisions and loan terms)
kredit) Some product features were adjusted to
Dilakukan penyesuaian beberapa fitur increase the amount of funds received by
produk guna meningkatkan besaran debtors, thereby increasing the potential for
dana yang diterima oleh debitur sehingga credit facilities to take over from other banks
meningkatkan potensi take over fasilitas and increasing the amount of remaining
kredit dari bank lain serta meningkatkan salaries received by debtors after deducting
besaran sisa gaji yang diterima debitur monthly loan installments.
setelah dipotong angsuran kredit setiap
bulan.
b. Diversifikasi Produk Turunan b. Diversification of derivative products
Dalam rangka pengembangan produk In the context of product development and
dan pertumbuhan portofolio serta portfolio growth as well as strengthening
memperkuat daya saing produk, telah product competitiveness, new loan schemes
ditambahkan skim kredit baru, yaitu have been added, namely the Extra KGB
bjb KGB Ekstra dan bjb KGB Profesi bjb and the KGB Professional Teacher as a
Guru sebagai produk turunan dari derivative product of the KGB bjb, both loan
bjb KGB, kedua skim kredit tersebut schemes accept the allowances provided
mengakseptasi tunjangan yang diberikan outside the net salary and can be verified
di luar gaji bersih dan dapat diverifikasi and has been regulated in applicable
serta telah diatur dalam peraturan yang regulations.
berlaku.
c. Kriteria Debitur c. Debtor Criteria
Pengembangan target market dilakukan The target market development is carried
dengan memasukkan kriteria debitur out by including the criteria for debtors
Pegawai Pemerintah dengan Perjanjian of Government Employees with Work
Kerja (PPPK), Direksi Perusahaan, Pegawai Agreements (PPPK), Directors of Companies,
Non Pegawai Tetap Lainnya (Tenaga Other Non-Permanent Employees
Kerja Kontrak dan Honorer) dan Kepala (Contracted and Honorary Workers) and
Desa sebagai salah satu kriteria calon Village Heads as one of the criteria for KGB
debitur bjb KGB. Hal ini dilakukan guna bjb debtor candidates. This is done in order
melakukan penetrasi pasar yang baru to penetrate new markets and weigh the
dan menimbang potensi yang cukup considerable potential of the debtor criteria
besar dari kriteria debitur dimaksud. in question.
d. Risk Acceptance Criteria (RAC) d. Risk Acceptance Criteria (RAC)
Dilakukan penyesuaian terhadap Adjustments were made to the Risk
Risk Acceptance Criteria (RAC) sebagai Acceptance Criteria (RAC) as a minimum
ketentuan minimum (pre-screening) yang requirement (pre-screening) that must be
harus dipenuhi debitur guna memenuhi fulfilled by the debtor to meet the principle
prinsip kepatuhan kepada regulator. of compliance with regulators.
e. Hari Pelunasan e. Repayment Day
Dalam rangka upaya tranparansi kepada In the framework of transparency to
debitur Kredit Konsumer dan Ritel, Consumer and Retail Loan debtors,
maksimal 2 (dua) tahun /24 (dua puluh (twenty-four) months for repayment patterns
empat) bulan untuk pola pengembalian at once and adjusting the minimum loan
sekaligus dan penyesuaian jangka waktu period for repayment patterns.
kredit minimum untuk pola pengembalian
angsuran.
b. Pelunasan Sebagian b. Partial Repayment
Telah diaturnya ketentuan mengenai The provisions regarding partial repayment
pelunasan sebagian pada produk bjb of bjb BTB products have been regulated in
BTB guna peningkatan layanan kepada order to improve services to debtors where
debitur dimana hal ini belum diatur this has not been previously regulated
sebelumnya.
Dalam lima tahun terakhir, kinerja kredit In the past five years, the performance of consumer
konsumer menunjukan pertumbuhan yang loan has shown positive growth. In 2019,
positif. Pada tahun 2019, outstanding kredit outstanding consumer loanreached IDR56.96
konsumer mencapai Rp56,96 triliun, tumbuh trillion, growing 9.38% compared to 2018 which
9,38% dibandingkan dengan tahun 2018 reached IDR52.08 trillion. This growth was due
yang mencapai Rp52,08 triliun. Pertumbuhan to the outstanding growth of bjb Guna Bhakti
tersebut karena pertumbuhan outstanding Loans (KGB). On average, loan outstanding growth
bjb Kredit Guna Bhakti (KGB). Secara rata-rata, reached 10.95% per year while the growth in the
pertumbuhan outstanding kredit mencapai number of debtors reached 5.31% per year.
10,95% per tahun sedangkan pertumbuhan
jumlah debitur mencapai 5,31% per tahun.
Tabel Komposisi Portofolio Kredit Berdasarkan Produk
Table of Loans Portfolio Composition by Product
dalam Rupiah penuh
in full IDR
Number Absolut
Komposisi Komposisi NoA
Outstanding of Account Non Perfoming NPL
Produk Product Composision Composision PL
(NoA) Loan (NPL)
(Rp) (%) (Account) (%) (Rp) (%)
bjb Kredit Guna Bakti (KGB) bjb Guna Bakti Loan (KGB) 39,484,193,134,743 69.31% 339,207 74.76% 49,425,060,240 0.13% 638
bjb Kredit Pra Purna Bhakti (KPPB) bjb Pra Purna Bhakti Loan (KPPB) 10,859,282,470,894 19.06% 64,487 14.21% 12,023,877,216 0.11% 111
bjb Kredit Purna Bhakti (KPB) bjb Purna Bhakti Loan (KPB) 5,271,057,159,571 9.25% 43,035 9.48% 13,519,698,178 0.26% 108
bjb Kredit Abdi Bhakti (KAB) bjb Abdi Bhakti Loan (KAB) 997,055,091,495 1.75% 5,574 1.23% 785,334,275 0.08% 13
bjb Back to Back Loan (BTB) bjb Back to Back Loan (BTB) 281,666,246,712 0.49% 531 0.12% - 0.00% -
An Organik An Organik 60,451,577,555 0.11% 854 0.19% 3,210,506,438 5.31% 58
bjb Kredit Usaha Bhakti (KUB) bjb Usaha Bhakti Loan (KUB) 8,822,038,974 0.02% 53 0.01% - 0.00% -
Kredit Lainnya Other Loans 14,949,941 0.00% 6 0.00% - 0.00% -
Total Total 56,962,542,669,885 100.00% 453,747 100.00% 78,964,476,347 0.14% 928
Pada tahun 2019, outstanding kredit konsumer In 2019, outstanding consumer and retail loans
dan ritel adalah sebesar Rp56,96 triliun, tumbuh reached IDR56.96 trillion, grew by 9.38% (YoY) with
sebesar 9,38% (YoY) dengan jumlah debitur a total of 453 thousand debtors which grew by
sebanyak 453 ribu yang tumbuh sebesar 5.31% (YoY). The growth of consumer loan is also
5,31% (YoY). Pertumbuhan kredit konsumen supported by the implementation of appropriate
antara lain juga didukung oleh penerapan strategies through the expansion of quality loans
strategi yang tepat antara lain melalui ekspansi with the intensification and extensification of the
kredit berkualitas dengan intensifikasi dan payroll account base at the Company and the
ekstensifikasi basis rekening payroll di Perseroan direct benefit program through the interest rate
serta program manfaat langsung melalui suku promo.
bunga promo.
Berdasarkan data di atas, 3 (tiga) produk Based on the data above, 3 (three) prime consumer
unggulan kredit konsumer dan ritel adalah bjb and retail loans products are bjb KGB, bjb KPP and
KGB, bjb KPP dan bjb KPB yang masing-masing bjb KPB which respectively have a percentage of
memiliki persentase sebesar 69,31%, 19,06%, 69.31%, 19.06%, and 9.25%. The three products are
dan 9,25%. Ketiga produk tersebut merupakan loans intended for the captive market of Company
kredit yang diperuntukkan kepada captive market consumer loans, namely active employees (bjb
kredit konsumer Perseroan, yaitu pegawai aktif KGB), employees who are about to retire (bjb
(bjb KGB), pegawai yang akan memasuki masa KPPB) and retirees (bjb KPB). The following is the
pensiun (bjb KPPB) dan pensiunan (bjb KPB). outstanding data of the three products for the last
Berikut data outstanding ketiga produk tersebut 5 (five) years:
selama 5 (lima) tahun terakhir:
Tabel Produk Unggulan Kredit Konsumer
Table of Outstanding Products of Consumer dalam Rupiah penuh
in full IDR
Tahun
Jenis Produk Year Rata-Rata
Name of Products Pertumbuhan
2019 2018 2017 2016 2015
bjb KGB 39,484,193,134,743 37,499,710,679,521 36,311,949,553,844 35,311,949,553,844 33,602,303,673,960 5.32%
bjb KPPB 10,859,282,470,894 9,381,845,391,506 7,486,621,106,646 5,461,938,024,315 2,327,078,052,616 54.59%
bjb KPB 5,271,057,159,571 3,920,326,600,507 2,763,383,751,170 2,250,605,052,372 1,628,389,003,927 34.25%
Total 55,614,532,765,208 50,801,882,671,534 46,353,001,385,647 43,024,492,630,531 37,557,770,730,503
Ketiga produk unggulan kredit konsumer selalu These three leading consumer loans products have
menunjukkan peningkatan portolio selama 5 always shown an increase in the portfolio over the
(lima) tahun terakhir. Rata-rata pertumbuhan past 5 (five) years. The average growth of KGB bjb
bjb KGB adalah sebesar 5,32%, bjb KPPB was 5.32%, bjb KPPB was 54.59% and bjb KPB
sebesar 54,59% dan bjb KPB sebesar 34,25%. was 34.25%.
Faktor Pendukung dan Penghambat Bisnis Supporting and Inhibiting Factors Of Consumer
Kredit Konsumer Loans Businesses
Uraian faktor pendukung dan penghambat A description of the supporting and inhibiting factors
bisnis kredit konsumer adalah sebagai berikut: of the consumer credit business is as follows:
1. Faktor Pendukung 1. Supporting Factors
a. Pemilihan Umum Legislatif yang a. Legislative General Elections held in 2019
dilaksanakan pada Tahun 2019 guna to determine legislative members, both at
menentukan anggota legislatif, baik di the DPR, DPD, Provincial and Regency /
tingkat DPR, DPD, DPRD Provinsi maupun Municipal DPRD create great potential in
Kabupaten/Kota menciptakan potensi the distribution of bjb Guna Bhakti Loans
yang besar dalam penyaluran bjb Kredit (bjb KGB) in which the DPR Member is one
Guna Bhakti (bjb KGB) dimana Anggota of the KGB bjb debtor criteria. The amount
Dewan merupakan salah satu kriteria of loans plafond, which is usually submitted
debitur bjb KGB. Jumlah plafond kredit in relatively large amounts, is quite a positive
yang biasanya diajukan dalam jumlah contribution in increasing the Consumer
relatif besar, cukup berkontribusi positif and Retail Loans portfolio in 2019.
dalam peningkatan portofolio Kredit
Konsumer dan Ritel pada tahun 2019.
b. Jumlah populasi Aparatur Sipil Negara b. The number of the population of the Civil
(ASN) yang akan memasuki masa pensiun Government Apparatus (ASN) which will
mengalami kenaikan setiap tahunnya enter retirement has increased every year
dan ini menjadi peluang bagi Perseroan and this is an opportunity for Company to
untuk meningkatkan portofolio kredit, increase their loan portfolios, particularly
khususnya market share produk bjb the market shares of bjb Purna Bhakti Loan
Kredit Purna Bhakti (bjb KPB). Products (bjb KPB).
c. Beberapa tahun terakhir, pemerintah c. In the last few years, the government has
membuka penerimaan Calon Pegawai opened admissions for prospective civil
Negeri Sipil (CPNS), baik untuk PNS Pusat servants (CPNS), both for central and
maupun PNS Daerah. Hal ini tentunya regional civil servants. This is certainly a
menjadi pendukung meningkatnya supporter of the increased Consumer and
portofolio Kredit Konsumer dan Ritel, Retail Loans portfolio, especially the KGB
khususnya bjb KGB. bjb.
d. Kebijakan dari regulator berupa Gerakan d. The policy of the regulator in the form of
Nasional Non Tunai (GNNT), khususnya di the Non-Cash National Movement (GNNT),
wilayah Jawa Barat, terimplementasikan particularly in the West Java region, was
dengan dibayarkannya gaji ASN secara implemented by paying Civil Government
langsung ke masing-masing rekening gaji salaries directly to each employee salary
pegawai. Hal ini memudahkan Perseroan account. This makes it easy for the Company
sebagai bank penyalur gaji mayoritas as the channeling bank for the majority of
ASN di Jawa Barat untuk melakukan Civil Government salaries in West Java to
pemotongan gaji guna pembayaran make salary deductions for loan installment
angsuran kredit. payments.
2. Faktor Penghambat 2. Inhibiting factors
a. Sementara itu, implementasi Kebijakan a. Meanwhile, the implementation of the
Gerakan Nasional Non Tunai (GNNT) National Non-Cash Movement (GNNT)
di luar wilayah Jawa Barat justru Policy outside the West Java region has
menjadi hambatan bisnis. Dengan become a business obstacle. The payment
dibayarkannya gaji ASN secara langsung of Civil Government salaries directly to
ke masing-masing rekening gaji pegawai each employee’s payroll account makes
menyebabkan sulitnya melakukan it difficult to collect loan payments to
penagihan untuk pembayaran angsuran employees whose salaries are paid through
kredit kepada pegawai yang gajinya a competing bank (local BPD) because the
dibayarkan melalui bank pesaing (BPD treasurer who usually collects installments
setempat) dikarenakan bendahara yang is no longer done collectively by the agency
biasanya melakukan collecting angsuran / company.
tidak lagi dilakukan secara kolektif oleh
pihak instansi/perusahaan.
b. Adanya himbauan dari Pemerintah b. There is an appeal from the local Regional
Daerah setempat kepada ASN nya untuk Government to its Civil Government to use
menggunakan layanan perbankan melalui banking services through the local BPD,
BPD setempat, termasuk pengajuan including the submission of consumer credit
fasilitas kredit konsumtif. facilities.
Rencana dan Strategi Tahun 2020 Kredit Plan And Strategy In 2020 For Consumer Credits
Konsumer
Dalam menghadapi tahun 2019, Divisi Kredit In facing year 2020, the Consumer and Retail
Konsumer dan Ritel telah menyiapkan Loan Division has prepared a Business Strategy
Strategi Bisnis untuk meningkatkan dan to improve and maintain the Consumer loan
mempertahankan portofolio Kredit Konsumer. portfolio. The intended business strategies are as
Strategi Bisnis dimaksud adalah sebagai berikut: follows:
1. Marketing Strategy 1. Marketing Strategy
Mengembangkan keunggulan daya saing Developing sustainable competitive advantage
yang berkesinambungan melewati pasar over the entered market, and marketing
yang dimasuki, dan progam pemasaran programs used to serve the consumer credit
yang digunakan untuk melayani pasar target target market.
kredit konsumer.
a. Referral Marketing a. Referral Marketing
-- Program Member Get Member (MGM) -- Member Get Member (MGM) Program
-- Program Reward Key Person -- Key Person Reward Program
b. Travel Gift b. Travel Gift
-- Program bjb Perjalanan Religi -- Religious Travel bjb program
-- Program bjb Perjalanan Religi local -- bjb Religious Travel program local
content content
c. Pricing c. Pricing
-- Program Promo Extra Hebat (POTRET) -- Extra Great Promotion Program
-- Program Manfaat Langsung (PORTRAIT)
-- Program Partial Rate Instansi -- Direct Benefits Program
Kementerian -- Ministry Institutional Partial Rate
-- Program Suku Bunga Khusus di Luar Program
Jawa Barat -- Special Interest Program Outside West
-- Program Partial Rate untuk KGB Pola 2 Java
dan Pola 3 -- Partial Rate Program for KGB Pattern 2
and Pattern 3
d. Take Over dan Top Up Program d. Take Over and Top Up Program
-- Repayment Capacity (RPC) -- Repayment Capacity (RPC)
-- Plafond Maximal -- Maximum plafond
-- Mengulang Setia -- Repeat Faithfully
e. Customer Reward e. Customer Reward
-- HUT Indonesia -- Indonesian Anniversary
-- HUT bank bjb -- bank bjb anniversary
-- Program Ramadhan untuk bjb KPB -- Ramadhan Program for bjb KPB
-- Customer Gathering -- Customer Gathering
-- Program Penghargaan Nasabah Setia -- Loyal Customer Award Program
f. Internal Appreciation f. Internal Appreciation
-- bjb RACER (Cash atau Paket Wisata) -- bjb RACER (Cash or Tour Package) or
atau tambahan Fasilitas Pegawai – additional Employee Facilities - Racer
Tunjangan Racer Allowances
-- AO Gathering and Outbond -- AO Gathering and Outbound
-- Reward Kantor Cabang -- Branch Office Rewards
2. Produk Diversification Strategy 2. Product Diversification Strategy
Eksplorasi dan pengembangan produk dan Exploration and development of new products
atau pasar yang baru, dalam rangka mengejar and / or markets, in order to pursue growth,
yang sampai dengan saat ini menjadi salah satu which until now have become one of the mainstay
produk andalan Perseroan yaitu: products of the Company, namely:
1. Produk Kredit Modal Kerja Kontrusksi (KMKK) 1. Working Capital Credit Products (KMKK) with
dengan keunggulan layanan sebagai berikut: the following service advantages:
a. Syarat minimal coverage agunan berupa a. Minimum collateral coverage requirements
fixed asset lebih rendah dibanding produk in the form of fixed assets are lower than
lain. other products.
b. Proses kredit yang relatif cepat. b. The credit process is relatively fast.
c. Suku bunga bersaing. c. Competitive interest rates.
2. Produk Distributor Financing sebagai 2. Distributor Financing Products as the latest
produk terbaru yg dikeluarkan oleh Divisi products issued by the Corporate and
Korporasi dan Komersial memiliki beberapa Commercial Division have several advantages,
keunggulan, diantaranya: including:
a. Tenor per transaksi Distributor Financing a. Tenor per Distributor Financing transaction
maksimal 90 (sembilan puluh) hari setelah maximum 90 (ninty) days after the Invoice
tanggal Invoice jatuh tempo. due date.
b. 20% Agunan berupa cash collateral dan/ b. 20% Collateral in the form of cash collateral
atau marketable asset berupa tanah dan/ and / or marketable assets in the form of
atau bangunan dari total plafond kredit. land and / or buildings from the total credit
ceiling.
3. Produk bjb Garansi Bank, memiliki 3. bjb Bank Guarantee products have the
keunggulan sebagai berikut: following advantages:
a. Keringanan marginal deposit hingga 0%. a. Marginal deposit relief up to 0%.
b. Proses penerbitan relatif cepat. b. The publishing process is relatively fast.
c. Biaya administrasi dan provisi cukup c. Administrative and provision fees are quite
bersaing. competitive.
Pengembangan Produk Layanan Korporasi Corporate And Commercial Service Product Devel-
dan Komersial opment
Dalam rangka menunjang bisnis Divisi Korporasi In order to support the business of the Corporate
dan Komersial sepanjang periode 2019 telah and Commercial Division throughout 2019, the
melakukan pengembangan produk dan layanan Company has developed products and services
agar dapat menyesuaikan dengan kondisi pasar in order to adapt to dynamic market conditions,
yang dinamis terutama di segmen komersial especially in the commercial segment, including the
diantaranya sebagai berikut: following:
1. Penyesuaian Standar Operasional Prosedur 1. Adjustment of Standard Operating Procedures
segmen Korporasi dan Komersial. for Corporate and Commercial segments.
2. Penyesuaian Manual Produk Kredit kepada 2. Adjustment of the Product Manual Loan to the
Koperasi dan Manual Produk Kredit Modal Cooperative and the Rural Bank Credit Capital
Kerja BPR serta Manual Produk bjb Pinjaman Product Manual and the Regional Loan bjb
Daerah. Product Manual.
3. Penyesuaian produk Kredit Investasi 3. Adjustment of Investment Loans products for
untuk tujuan Refinancing, saat ini sumber Refinancing purposes, currently the source
pembayaran kredit/repayment capacity of repayment capacity of debtors can also be
debitur dapat diperhitungkan pula dari calculated from other debtor business sources
sumber usaha debitur lainnya yang semula that originally only accounted for objects being
hanya memperhitungkan dari objek yang di refinancing.
refinancing.
4. Penerbitan Manual Produk bjb Distributor 4. Publishing the bjb Distributor Financing
Financing Product Manual
5. Distributor Financing adalah fasilitas 5. Distributor Financing is a financing facility
pembiayaan yang diberikan bank kepada provided by a bank to a Distributor and / or sub
Distributor dan/atau sub Distributor dari Distributor from a Principal / Main Distributor
Principal/Main Distributor yang telah who has signed a Cooperation Agreement /
menandatangani Perjanjian Kerjasama/ Cooperation Offering Letter with the Bank to
Surat Penawaran Kerjasama dengan Bank finance the purchase of goods purchased from
untuk pembiayaan pembelian barang yang the Principal / Main Distributor.
dibeli dari Principal/Main Distributor.
6. Penerbitan Petunjuk Teknis Loan 6. Issuance of Commercial Credit Loan
Management System (LMS) Kredit Komersial. Management System (LMS) Technical
Guidelines.
7. Memberikan panduan bagi unit kerja yang 7. Providing guidelines for work units that manage
mengelola kredit komersial agar aplikasi LMS commercial credit so that the Commercial Credit
Kredit Komersial dapat dipergunakan secara LMS application can be used appropriately,
tepat, efektif dan efisien dan Memberikan effectively and efficiently and Provides standard
standar penggunaan aplikasi LMS Kredit use of the Commercial Credit LMS application
Komersial bagi seluruh unit bisnis yang for all business units that manage commercial
mengelola kredit komersial. credit.
2019 2018
Pertumbuhan 2018-2019
Komposisi Komposisi 2017 2016 2015
Uraian Description Nominal Nominal Growth 2018-2019
Composition Composition
(Rp) (%) (Rp) (%) (Rp) (Rp) (Rp) (Rp) (%)
AR Financing AR Financing 56,047 0.42% 315 0.00% - - - 55,732 17.692.57%
KI Cash Collateral KI Cash Collateral 5,375 0.04% 4,333 0.04% 4,833 6,380 - 1,042 24.05%
KI PDAM KI PDAM - 0.00% 2,139 0.02% 4,277 6,416 8,554 (2,139) (100.00%)
KIPinjaman Dalam KI Domestic Loans 332,145 2.51% 664,291 5.43% 996,436 978,591 948,898 (332,146) (50.00%)
Negeri
KIU CUE 12,591 0.10% 547,358 4.47% 547,052 773,029 814,254 (534,767) (97.70%)
KIU Pinjaman Daerah KIU Regional Loans - 0.00% - 0.00% - 8,319 - 0
KIU Sindikasi KIU Sindikasi 903,788 6.84% 1,079,375 8.82% 1,169,495 1,263,006 1,329,245 (175,587) (16.27%)
KK Asset Buy KK Asset Buy - 0.00% 1,806 0.01% 7,705 12,938 21,391 (1,806) (100.00%)
KMK Cash Collateral KMK Cash Collateral 347,729 2.63% 510,499 4.17% 718,324 405,840 3,131 (162,770) (31.88%)
KMK Kredit Jangka Short Term Credit KMK 2,150,000 16.27% 1,500,000 12.26% 900,000 - - 650,000 43.33%
Pendek
KMK KTDB-Pemda Tk I KMK KTDB-Pemda Tk I - 0.00% 42,006 0.34% 105,015 - - (42,006) (100.00%)
KMK Pengembang KMK Developer 29,556 0.22% 84,777 0.69% 84,069 27,250 8,903 (55,221) (65.14%)
KMK Umum - General KMK - In 1,437,024 10.87% 1,908,249 15.60% 3,131,802 2,519,362 2,385,494 (471,225) (24.69%)
Pada Perusahaan Financing Companies
Pembiayaan
KMKK KMKK 2,760,612 20.89% 3,618,690 29.57% 4,031,577 3,697,570 2,693,153 (858,078) (23.71%)
KMKU KMKU 2,195,632 16.61% 859,642 7.03% 513,873 274,147 269,520 1,335,990 155.41%
KMKU R/C KMKU R/C 2,781,683 21.04% 996,391 8.14% 736,869 706,814 643,284 1,785,292 179.18%
KMKU Sindikasi KMKU Syndication 205,623 1.56% 416,271 3.40% 583,589 121,333 97,254 (210,648) (50.60%)
Total Total 13,217,804 100.00% 12,236,142 100.00% 13,534,916 10,800,995 9,223,081 981,662 8.02%
Pertumbuhan kredit tahun 2019 meningkat Credit growth in 2019 increased by 8.02% or
sebesar 8,02% atau sebesar Rp981,66 miliar as much as IDR981.66 billion compared to the
jika dibandingkan dengan tahun sebelumnya previous year (YoY) from IDR12.23 trillion in 2018
(YoY) dari posisi Rp12,23 triliun pada tahun to IDR13.22 trillion in 2019. The increase was
2018 menjadi Rp13,22 triliun pada tahun contributed by the growth in KMKU lending R /
2019. Peningkatan tersebut dikontribusi dari C was IDR1.79 trillion and KMKU was IDR1.34
pertumbuhan pemberian kredit KMKU R/C trillion, which was the highest increase compared
sebesar Rp1,79 triliun dan KMKU sebesar Rp1,34 to the previous year. This is in accordance with the
triliun yang merupakan peningkatan tertinggi strategy of the Corporate and Commercial Division
dibanding tahun sebelumnya. Hal ini sesuai which divides the Managed Account Officer in
dengan strategi Divisi Korporasi dan Komersial particular the commercial segment into 3 (three)
yang membagi kelolaan Account Officer (AO) managed companies, namely the General AO,
khususnya segmen komersial menjadi 3 (tiga) Commercial AO and Construction AO so that each
kelolaan yaitu AO Umum, AO Komersial dan AO AO can focus on managing the credit segment in
Konstruksi sehingga masing-masing AO dapat accordance with the separation of products and
fokus untuk mengelola segmen kredit sesuai the Industrial sector.
dengan pemisahan produk maupun sektor
Industri.
Pertumbuhan kredit korporasi dan komersial The growth of corporate and commercial loans is
antara lain juga didukung oleh penerapan supported by the implementation of appropriate
strategi yang tepat antara lain melalui ekspansi di strategies through expansion in the corporate
sektor korporasi terutama sektor konstruksi dan sector, especially the construction sector and other
sektor lainnya dan fokus terhadap pemenuhan sectors, and focusing on fulfilling pipelines and
pipeline serta melakukan monitoring secara conducting periodic monitoring of the achievement
berkala terhapap pencapaian dari pipeline yang of predetermined pipelines.
telah ditetapkan.
Tabel Produk Unggulan Kredit Korporasi dan Komersial
Table of Corporate and Commercial Loans Flagship Products
dalam jutaan Rupiah
in million IDR
2019 2018
Pertumbuhan 2018-2019
Komposisi Komposisi Growth 2018-2019
Uraian Description Nominal Nominal
Composition Composition
(Rp) (%) (Rp) (%) (Rp) (%)
KMKK KMKK 2,760,612 20.89% 3,618,690 29.57% (858,078) (23.71%)
KMKU R/C KMKU R/C 2,781,683 21.04% 996,391 8.14% 1,785,292 179.18%
KMKU KMKU 2,195,632 16.61% 859,642 7.03% 1,335,990 155.41%
Kredit Jangka Pendek Short Term Credit 2,150,000 16.27% 1,500,000 12.26% 650,000 43.33%
Total Kredit Korporasi dan Komersial Total of Corporate and Commercial Loans 13,217,804 100.00% 12,236,142 100.00% 981,662 8.02%
Pada tahun 2019 terdapat sebaran produk yang In 2019 there were distributions of products
menjadi produk unggulan, karena sejak tahun that become flagship products, for, since
2018 strategi Divisi Korporasi dan Komersial 2018, the Corporate and Commercial
yaitu menerapkan portfolio guideline secara Division’s strategy has applied guideline
rutin sehingga Kantor Cabang memberikan portfolio routinely so that the Branch Offices
pembiayaan terhadap sektor diluar konstruksi provide financing to certainly prospective
yang tentunya memiliki prospek yang baik good sectors outside construction through
dengan risiko yang terukur. Terbukti pada tahun measured risks. It is proven that in 2019 the
2019 Perseroan perlahan masuk ke sektor Company slowly entered other credit sectors,
kredit yang lain sehingga komposisi persentase so the percentage and growth composition of
dan pertumbuhan sektor kredit modal kerja the general working capital and short-term
umum dan kredit jangka pendek mengalami credit sectors experienced positive growth
2019 2018
Pertumbuhan 2018-2019
Komposisi Komposisi 2017 2016 2015
Uraian Description Nominal Nominal Growth 2018-2019
Composition Composition
(Rp) (%) (Rp) (%) (Rp) (Rp) (Rp) (Rp) (%)
Garansi Bank - Jaminan Bank Guarantee -
47,829 3.48% 41,228 3.14% 43,165 53,095 132,012 6,601 16.01%
Tender Tender Collateral
Garansi Bank - Jaminan Garansi Bank - Jaminan
467,770 34.00% 481,160 36.68% 612,720 506,564 763,266 (13,390) (2.78%)
Pelaksanaan Pelaksanaan
Bank Guarantee -
Garansi Bank - Jaminan
Project Down Payment 257,568 18.72% 301,250 22.96% 295,785 236,790 339,178 (43,682) (14.50%)
Uang Muka Proyek
Guarantee
Garansi Bank - Jaminan Bank Guarantee -
271,784 19.75% 249,950 19.05% 292,944 303,401 254,535 21,834 8.74%
Pemeliharaan Maintenance Guarantee
Garansi Bank - Jaminan Bank Guarantee -
320,022 23.26% 238,135 18.15% 186,594 132,443 158,915 81,887 34.39%
Pembayaran Payment Guarantee
Garansi yang -
Guarantees - Provided
Diberikan Shipping - - - - 12 - - - -
Shipping Guarantee
Guarantee
Garansi Bank - Bank Guarantee -
- - 7 0.00% 62 - - (7) (100.00%)
Sanggah Banding Appeal Disclaimer
Garansi Bank - Bank Guarantee -
10,985 0.80% 50 0.00% 50 500 2,500 10,935 21,870.00%
Perdagangan Umum General Trading
Total Total 1,375,958 100.00% 1,311,780 100.00% 1,431,332 1,232,793 1,650,406 64,178 4.89%
Total penyaluran garansi bank tahun 2019 Bank guarantees disbursement total of 2019
mencapai Rp1,38 triliun, meningkat Rp64,18 reached IDR1,38 trillion, increasing by IDR64,18
miliar atau 4,89% dibandingkan dengan tahun billion or 4,89% compared to 2018, which reached
2018 yang mencapai Rp1,31 triliun. Peningkatan IDR1,31 trillion. The increase derived from the
tersebut berasal dari pertumbuhan garansi growth of bank guarantees - payment guarantees,
bank - jaminan pembayaran, garansi bank bank guarantees - maintenance guarantees, and
- jaminan pemeliharaan dan garansi bank - bank guarantees - general trading.
perdagangan umum.
Faktor Pendukung dan Penghambat Bisnis Supporting and Inhibiting Factors Of Corporate
Korporasi dan Komersial And Commercial Business Factors
Uraian faktor pendukung dan penghambat The description of the supporting and inhibiting
bisnis korporasi dan komersial adalah sebagai factors of corporate and commercial business are
berikut: as follows:
1. Faktor Pendukung 1. Supporting Factors
Dalam mendukung pertumbuhan portfolio To support the healthy and quality growth of
kredit Divisi Korporasi dan Komersial the Corporate and Commercial Division’s loan
yang sehat dan berkualitas diperlukan portfolio, good infrastructure management is
pengelolaan infrastruktur yang baik antara required, as follows:
lain sebagai berikut:
a. Ketersediaan SDM Komersial yang a. Availability of commercial human resources
tersebar di Kantor Cabang, Kantor spread in branch offices, regional offices
Wilayah dan Kantor Pusat. Sesuai dengan and head offices. In accordance with the
Perubahan Struktur Organisasi Perseroan Changes in the Organizational Structure of
terdapat penggabungan segmen Bisnis the Company there was a merger of the BPR
BPR LKM menjadi 1 (satu) Divisi dengan LKM Business segment into 1 (one) Division
Bisnis Korporasi dan Komersial sehingga with the Corporate and Commercial
jumlah SDM Korporasi dan Komersial Businesses so that the total number
Rencana dan Strategi Tahun 2020 Korporasi Plan And Strategy In 2020 For Corporation And
dan Komersial Commercial
Divisi Korporasi dan Komersial melanjutkan The Corporate and Commercial Division continues
strategi yang telah dilaksanakan pada tahun the strategy that was implemented in 2019 to
2019 untuk mendukung pencapaian target support the achievement of the 2020 target. The
tahun 2020. Strategi Tahun 2020 antara lain 2020 strategy includes the following:
sebagai berikut:
1. Perbaikan kualitas kredit dengan 1. Improving credit quality by implementing a
menerapkan budaya kredit yang lebih baik better credit culture for quality credit growth.
untuk pertumbuhan kredit yang berkualitas.
2. Penerapan kualitas kredit untuk peningkatan 2. Application of credit quality to improve
portofolio kredit Divisi Korporasi dan the credit portfolio of the Corporate and
Komersial khususnya segmen komersial Commercial Division especially the commercial
dalam hal pertumbuhan kredit yang segment in terms of quality credit growth,
berkualitas, dilakukan monitoring terhadap periodically monitoring the credit quality of
kualitas kredit kantor Cabang secara berkala the Branch Office and all work units increasing
serta seluruh unit kerja meningkatkan understanding of the provisions and changing
pemahaman terkait ketentuan dan provisions through the weekly e-learning
perubahan ketentuan melalui program program which was followed by all commercial
e-learning secara mingguan yang diikuti Human Capital throughout Indonesia to make
seluruh SDM komersial di seluruh Indonesia superior and quality HR.
untuk menjadikan SDM yang unggul dan
berkualitas.
3. Menjadikan bisnis Korporasi dan Komersial 3. Making the Corporate and Commercial
sebagai back bone bisnis Perseroan dengan business as a back bone Company business by
optimalisasi product holding melalui sinergi optimizing product holding through synergy
dengan divisi terkait. with related divisions.
4. Divisi Korporasi dan Komersial sebagai 4. The Corporate and Commercial Division as
Divisi yang mengelola Debitur corporate a Division that manages corporate debtors,
terutama sebagai pendorong pertumbuhan especially as a driver of credit growth at the
kredit di Perseroan, satu entitas corporate Company, a corporate or commercial entity can
maupun comercial dapat melahirkan bisnis give birth to its derivative businesses including
turunannya antara lain bisnis UMKM, bisnis MSME businesses, consumer businesses and
konsumer maupun transaksi di bisnis bisnis transactions in other business businesses. The
lainnya. Divisi Korporasi dan Komersial Corporate and Commercial Division optimizes
melakukan optimalisasi produk holding the holding products including the method in
diantaranya metode dalam perhitungan calculating CPA for requests for rate cuts as
CPA untuk permohonan penurunan suku long as the target with the calculation of CPA
sepanjang target dengan perhitungan CPA holding products is met.
produk holding terpenuhi.
5. Penyaluran kredit berdasarkan portofolio 5. Loan distribution based on a guideline portfolio
guidline terkait sektor ekonomi pasar sasaran related to the target market economic sector as
sebagai acuan arah bisnis berdasarkan limit a reference for business directions based on
sektor industry secara berkala industry sector limits on a regular basis
6. Portfolio guideline digunakan sebagai 6. The portfolio guideline is used as a guide in the
panduan dalam rangka penyaluran kredit framework of loan distribution to economic
terhadap sektor-sektor ekonomi yang dapat sectors that can be financed which are included
dibiayai yang dimasukan ke dalam 3 (tiga) in 3 (three) assessments / criteria, namely
penilaian/kriteria yaitu Menarik, Netral dan Attractive, Neutral and Selective, in order to
Selektif, dalam rangka mengarahkan Kantor direct the Branch Office to start entering other
Cabang untuk mulai masuk ke sektor – sectors which certainly has a good effect and
sektor lain yang tentunya memiliki prospek measurable risk. Portfolio guidelines are also
yang baik dan risiko yang terukur. Portfolio guidelines for Branch Offices so that Branch
guideline juga merupakan guideline kepada Offices do not only extend credit to certain
Kantor Cabang agar Kantor Cabang tidak sectors.
hanya menyalurkan kredit kepada sektor
tertentu saja.
Usaha Mikro Kecil dan Menegah (UMKM) Micro, Small And Medium Enterprises (UMKM)
Di sisi lain, layanan yang ditawarkan oleh On the other hand, services offered by the MSME
Divisi Kredit UMKM mencakup layanan PESAT Loan Division include PESAT (Integrated Communi-
(Pemberdayaan Ekonomi Masyarakat Terpadu) ty Economic Empowerment) services as well as ser-
serta pelayanan di bidang account maintenance vices in the field of account maintenance through
melalui layanan Cash Pick Up. Layanan–layanan Cash Pick Up services. These servicea are the ad-
inilah yang menjadi keunggulan dari Divisi Kredit vantage of the SME Loan Division.
UMKM.
Adapun uraian mengenai jenis kredit UMKM The description of the types of MSME loans is pre-
disajikan sebagai berikut: sented as follows:
1. Kredit Mikro Utama (KMU) 1. Main Micro Credit (KMU)
Calon nasabah yang dapat menikmati Prospective customers who can enjoy Main
fasilitas Kredit Mikro Utama dari Perseroan Micro Credit facilities from Company are
adalah para pelaku usaha perorangan individual business entities (PT, CV) in the
Badan Usaha (PT, CV) dalam sektor ekonomi productive economy sector that are categorized
produktif yang masuk kategori Usaha Mikro as Micro and Medium Enterprises such as
Kecil dan Menengah seperti pengusaha small entrepreneurs, traders, entrepreneurs,
kecil, pedagang, wirausaha, wiraswasta productive entrepreneurs (especially individuals)
produktif (khusus perorangan) yang saat ini which is currently actively running its business
aktif menjalankan usahanya minimal 2 (dua) for a minimum of 2 (two) years.
tahun. The advantages of KMU products are:
Keunggulan produk KMU adalah: a. Interest rates are lighter than similar
a. Suku Bunga lebih ringan dibanding products owned by competitors.
produk sejenis milik kompetitor. b. Easy requirements.
b. Persyaratan mudah. c. Flexible credit term.
c. Jangka waktu kredit fleksibel.
2. Kredit Usaha Kecil Menengah (UKM) 2. Small and Medium Enterprises Loans (UKM)
Calon nasabah yang dapat menikmati fasilitas Prospective customers who can enjoy the
Kredit Usaha Kecil Menengah dari Perseroan Small and Medium Enterprises Loans facilities
adalah para pelaku usaha perorangan from the Company are individuals (including
(termasuk PD/UD) dan Badan Usaha (PT, CV) PD / UD) and Business Entities (PT, CV) in the
dalam sektor ekonomi produktif yang masuk productive economy sector that are categorized
kategori Usaha Kecil dan Menengah seperti as Small and Medium Enterprises such as
pengusaha kecil, pedagang, wirausaha, small entrepreneurs, traders, entrepreneurs ,
wiraswasta produktif (khusus perorangan) productive entrepreneurs (especially individuals)
yang saat ini aktif menjalankan usahanya who are currently actively running their business
minimal 3 (tiga) tahun. for a minimum of 3 (three) years.
Keunggulan produk UKM adalah: The advantages of SME products are:
a. Suku Bunga bersaing a. Competitive interest rates
b. Sistem pembayaran angsuran bervariasi b. The installment payment system varies
-- Kredit Angsuran Berjangka (KAB)/ -- Term Installment loans (KAB)/
angsuran/Installment installments/Installment
-- Kredit Berjangka (KB)/Demand Loan -- Futures Loans (KB)/Demand Loans
-- Pinjaman Rekening Koran (PRK) -- Current Account Loans (PRK)
4. Kredit Skema Subsidi Resi Gudang (S-SRG) 4. Warehouse Receipt Subsidy (S-SRG) Loans Scheme
Skema Subsidi Resi Gudang yang selanjutnya The Warehouse Receipt Subsidy Scheme,
disebut bjb S-SRG adalah kredit yang hereinafter referred to as bjb S-SRG, is a credit
mendapatkan Subsidi Bunga dari Pemerintah that receives an Interest Subsidy from the
dengan jaminan Resi Gudang yang diberikan Government with a guarantee of a Warehouse
oleh Bank kepada Petani, Kelompok Tani, Receipt granted by the Bank to Farmers,
Gabungan Kelompok Tani dan Koperasi. Resi Farmers Groups, Farmers Group Associations
Gudang adalah dokumen bukti kepemilikan and Cooperatives. Warehouse Receipt is a
atas barang yang disimpan di Gudang yang document of proof of ownership of goods
diterbitkan oleh Pengelola Gudang. stored in the Warehouse that is issued by the
Warehouse Manager.
Tujuh Miliar Sembilan Ratus Enam Puluh Juta debtors under the management of the PESAT
Rupiah) dari potensi top up debitur kelolaan program beneficiaries.
penerima manfaat program PESAT.
a. PESAT Kapasitas Usaha a. PESAT Business Capacity
Pilar PESAT Kapasitas Usaha ini bertujuan The PESAT Pillar of Business Capacity aims
untuk meningkatkan skala usaha (scale to increase the scale up of MSMEs to grade,
up) pelaku UMKM untuk naik kelas, which is marked by an increase in assets
yang ditandai dengan kenaikan aset and turnover. The type of program on this
dan omzet. Jenis program pada pilar ini pillar is carried out with the aim; increasing
dilakukan dengan sasaran; peningkatan knowledge, attitudes and skills as well as
pengetahuan, sikap dan keterampilan market expansion opportunities. A total
serta kesempatan perluasan pasar. of 2,244 beneficiaries have participated
Sejumlah 2.244 penerima manfaat in internal training activities and
yang telah mengikuti kegiatan Pelatihan entrepreneurship seminars and product
Internal dan seminar kewirausahaan titles. The regional office training can be
serta gelar produk. Pelaksanaan pelatihan seen as follows:
per- Kantor wilayah dapat dilihat sebagai
berikut:
Pelaksanaan Gelar Produk dan Pameran The product titles and exhibitions were
dikemas dalam kegiatan Seminar dan packaged in external Seminar and Training
Pelatihan eksternal. Sejumlah 266 orang activities. 266 participants from 11 product
peserta dari 11 kegiatan gelar produk degree activities are as follows:
sebagai berikut:
-- Pameran gelar produk “Olahan -- Exhibition of product titles “Processed
Komuditas Lele” di Cirebon. Catfish Community” in Cirebon.
-- Pameran gelar produk “Olahan -- Exhibition of product titles “Processed
Komuditas Lele” di Tasikmalaya. Catfish Community” in Tasikmalaya.
-- Pameran gelar produk “Olahan -- Exhibition of product titles “Processed
Komuditas Jamur” di Majalengka. Mushroom Commodities” in Majalengka.
Beberapa OPD dan Komunitas yang Several DPOs and communities that have
telah terlibat diantaranya: been involved include:
• Komunitas Budidaya Ikan Tawar • Freshwater Fish Cultivation
(UPR Benih Sehat Prima) Kuningan Community (UPR Prima Sehat Seed)
• Komunitas Budidaya Jamur Pejagan Kuningan
Sumedang • Pejagan Sumedang Mushroom
• Komunitas Budidaya Ikan Tawar Cultivation Community
Priangan Timur • East Priangan Freshwater
• Komunitas Budidaya Lele Salajambe Aquaculture Community
Kuningan • Salajambe Kuningan Catfish
• Komunitas PKBL Krakatau Steel Cultivation Community
Cilegon • Krakatau Steel Cilegon PKBL
• Komunitas Alisa Khadija Bekasi Community
• DMC ( Digital Marketing Comunity) • Alisa Khadija Bekasi Community
Tangerang • DMC (Digital Marketing Community)
• Komunitas APJI (Asosiasi Tangerang
Perusahaan Jasa Boga Indonesia) • The APJI Community (Association of
Tangerang Indonesian Food Service Companies)
• Dinas Pertanian Kabupaten Tangerang
Pandeglang • Pandeglang District Agriculture Office
• Komunitas PLUT Kabupaten • Pandeglang Regency PLUT
Pandeglang Community
• Komunitas UMKM Makanan Olahan • Processed UMKM Community Food
Kab. Pandeglang Pandeglang District
• Dinas Perikanan Kab. Tangerang • Fisheries Service Tangerang District
• Komunitas Agrobisnis Kab. • Agribusiness Community Kuningan
Kuningan District
• Komunitas Sampoerna Retail • Sampoerna Retail Comunity (SRC)
Comunity (SRC) Kab. Lebak Community Lebak District
• Kelompok Tani Regge Pasirjambu • Pasirjambu Ciwidey Regge Farmer
Ciwidey Group
• Dinas Lingkungan Hidup Cirebon • Cirebon Environmental Service
• Komunitas Pengusaha Fashion • Bandung Fashion Entrepreneurs
Bandung Community
• Komunitas Edelweis Kota Bekasi • Bekasi City Edelweis Community
• Komunitas Fesmus Bandung • Bandung Fesmus Community
• Komunitas IWAPI (Ikatana Wanita • IWAPI Community (Ikatan Wanita
Pengusaha Indonesia) Cibinong Entrepreneur Indonesia) Cibinong
• Komunitas ASIKMI Kota Bandung • Bandung City ASIKMI Community
• SABI CO-Learning • SABI CO-Learning
Total Run Off (YtD) Total Run Off (YtD) 1,001,313 854,568 146,745 17.17%
Kualitas Quality
RR RR 90.84% 89.03% 0.02 2.03%
SM SM 2.89% 2.67% 0.00 8.24%
Non Perfoming Loan (NPL) Non Perfoming Loan (NPL) 6.27% 8.29% (0.02) (24.37%)
Selama tahun 2019, total pencairan kredit Throughout 2019, total MSME loan disbursements
UMKM adalah sebesar Rp1,32 triliun, meningkat amounted to IDR1.32 trillion, increasing by
sebesar Rp229,43 miliar dibandingkan tahun IDR229.43 billion compared to 2018, which
2018 yang sebesar Rp1,09 triliun. Selain itu amounted to IDR1,09 trillion. In addition, the total
total outstanding kredit UMKM mengalami outstanding MSME loans increased compared to
kenaikan dibandingkan tahun sebelumnya the previous year by 16,34% from IDR93 trillion in
sebesar 16,34% dari Rp1,93 triliun di tahun 2018 to IDR2.25 trillion in 2019. This is due to the
2018 menjadi sebesar Rp2,25 triliun di tahun better quality of the MSME loan portfolio in which
2019. Hal ini dikarenakan sudah lebih baiknya the amount of disbursement is higher than the
kualitas portofolio kredit UMKM sehingga runoff carried out to improve the managed loans
jumlah pencairan lebih tinggi daripada runoff quality under the MSME Credit Division where an
yang dilakukan untuk perbaikan kualitas kredit excellent credit quality improvement can be seen
kelolaan Divisi Kredit UMKM dimana terjadi in the quality component of non-performing loans
peningkatan kualitas kredit yang sangat baik and repayment rates getting better.
terlihat pada komponen kualitas non performing
loan dan repayment rate semakin membaik.
Dari keseluruhan produk kredit UMKM Among the total Company MSME loan products,
Perseroan, Kredit Mikro Utama dan Kredit the Main Micro Loans and the Love People Loans
Cinta Rakyat mengalami penurunan jumlah experienced an outstanding decrease. Main
outstanding. Kredit Mikro Utama tahun 2019 Micro Loans in 2019 reached IDR887.24 billion,
mencapai Rp887,24 miliar, turun Rp48,85 miliar a decrease of IDR48.85 billion compared to 2018
dibandingkan dengan tahun 2018 yang mencapai which reached IDR936.09. Whereas, outstanding
Rp936,09. Sedangkan outstanding Kredit Cinta People’s Love Loans in 2019 reached IDR6.61
Rakyat tahun 2019 mencapai Rp6,61 miliar, billion, a decrease of IDR20.70 billion compared
turun Rp20,70 miliar dibandingkan dengan to 2018 which reached IDR27.31 billion. This was
tahun 2018 yang mencapai Rp27,31 miliar. Hal done as an effort to improve the quality of MSME
tersebut dilakukan sebagai upaya perbaikan loans in which debtors in the collectability category
kualitas kredit UMKM dimana debitur dengan of 3 (three) to 5 (five) in the period before 2017 were
kategori kolektabilitas 3 (tiga) sampai 5 (lima) indeed encouraged to repay or settle loans, so that
pada periode sebelum tahun 2017 memang the consequence was a correction in the number of
di dorong untuk dilakukan pelunasan atau outstanding MSME loans. In addition, the products
penyelesaian kredit, sehingga konsekuensinya that experienced a pretty good increase were the
adalah terjadi koreksi pada angka outstanding People’s Business Loans with an outstanding
kredit UMKM. Sedangkan untuk produk yang amount of 2019 amounting to IDR592.2 billion, an
mengalami peningkatan cukup baik adalah increase of IDR277.24 billion or 88.03% compared
Kredit Usaha Rakyat dengan jumlah outstanding to 2018 which reached IDR314.95 billion due to
tahun 2019 sebesar Rp592,2 miliar, meningkat the opening of all economic sectors.
Rp277, 24 miliar atau 88,03% dibandingkan
dengan tahun 2018 yang mencapai Rp314,95
miliar yang dikarenakan telah dibukanya semua
sektor ekonomi.
Pertumbuhan UMKM juga didukung oleh The growth of MSMEs is also supported by the
penerapan strategi yang tepat antara lain application of appropriate strategies through the
melalui program kemitraan (Inti Plasma) dalam partnership program (Inti Plasma) in the context
rangka menyalurkan Kredit Usaha Rakyat (KUR) of channeling People’s Business Loans (KUR) as a
sebagai solusi pembiayaan bagi UMKM sera financing solution for MSMEs while empowering
memberdayakan Badan Usaha Milik Desa Village-Owned Enterprises (Bumdes) to channel
(Bumdes) untuk penyaluran kredit UMKM dan MSME loans and access banking in the community
akses perbankan di masyarakat desa. village
Secara umum, NPL penyaluran kredit UMKM In general, MSME credit disbursement NPL has
mengalami penurunan dari tahun ke tahun hal decreased from year to year because of the
tersebut terjadi karena perbaikan kualitas kredit improvement of loan quality disbursed by the
yang disalurkan oleh Perseroan. Company.
Faktor Pendukung dan Penghambat Bisnis Supporting and Inhibiting Factors Of Msme Loans
Kredit Umkm Businesses
Uraian faktor pendukung dan penghambat The description of the supporting and inhibiting
bisnis kredit UMKM adalah sebagai berikut: factors of the MSME credit business are as follows:
1. Faktor Pendukung 1. Supporting Factors
a. Kebijakan pemerintah pusat dan daerah a. Central and local government policies
terkait pengembangan sektor bisnis related to the development of the MSME
UMKM. business sector.
b. Peningkatan kualitas kredit UMKM. b. Improving the quality of MSME loans.
c. Pemberian fasilitas kredit beserta c. Provision of credit facilities and training
program pelatihan. programs.
d. Layanan penjemputan angsuran. d. Installment pickup service.
e. Layanan laku pandai. e. Service sell smart.
2. Faktor Penghambat 2. Inhibiting factors
a. Beberapa Fintech yang masuk dalam a. Some Fintechs are included in the lending
market penyaluran kredit kepada pelaku market to SMEs.
UMKM.
Kredit Pemilikan Rumah (KPR) dan Kredit Home Ownership Loans (KPR) and Motorized Vehi-
Kendaraan Bermotor (KKB) cle Loans (KKB)
Produk Unggulan
Produk unggulan KPR adalah sebagai berikut: Featured Product
1. bjb KPR Pembelian KPR’s superior products are as follows:
Fasilitas kredit untuk tujuan pembelian dan 1. bjb KPR Purchases
kepemilikan Properti dan/atau Properti Loans facilities for the purpose of purchasing
Usaha baik pembelian baru (primary) dari and ownership of Property and / or Business
pengembang maupun bekas (secondary) dari Property, whether new (primary) purchases
penjual. from developers or secondary from the seller
2. bjb KPR Take Over Xtra
Fasilitas kredit untuk tujuan pengambilalihan 2. bjb KPR Take Over Xtra
kredit konsumtif beragun Properti atau Loans facilities for the purpose of taking
kredit beragun Properti Usaha atas nama over property-backed consumptive loans or
Calon Debitur atau Pasangan Nikah Calon business property-backed loans on behalf
Debitur dari Lembaga Jasa Keuangan lain. of Prospective Debtors or Marriage Couples
of Prospective Debtors from other Financial
3. bjb KPR Multiguna Services Institutions.
Fasilitas kredit dengan tujuan renovasi 3. bjb Multipurpose mortgage
Properti atau untuk kebutuhan konsumtif Loan facilities for the purpose of renovating
lainnya dengan agunan Properti. property or for other consumptive needs with
4. bjb KPR Top Up property collateral.
Fasilitas kredit tambahan (suplesi) dari kredit 4. bjb Top Up KPR
eksisting atas nama Debitur dengan syarat Supplementary loan facilities from existing
minimal kredit telah berjalan selama 12 (dua loans on behalf of Debtors with a minimum
belas) bulan dengan kolektibilitas lancar credit requirement that has been running for 12
dengan agunan Properti dan/atau Properti (twelve) months with current collectability with
Usaha yang telah tersedia secara utuh dan collateral Property and / or Business Property
sertifikat telah dipasang Hak Tanggungan that has been available in full and certificates
pada fasilitas kredit sebelumnya (eksisting). have been installed Mortgage Rights on credit
Keunggulan Layanan
Keunggulan layanan KPR dan KKB Perseroan Service Advantages
yaitu sebagai berikut: The advantages of Company KPR and KKB services
1. Pelayanan proses kredit yang relatif cepat. are as follows:
2. Cabang pemroses Kredit tersebar di hampir 1. Credit process services are relatively fast.
seluruh Indonesia. 2. Credit processing branches spread across
3. Bunga bersaing. almost all of Indonesia.
3. Competitive interest.
Pengembangan Produk dan Layanan
Uraian pengembangan produk dan layanan KPR Product And Service Development
yang dilakukan adalah sebagai berikut: The description of KPR product and service
1. KPR Flexi development undertaken is as follows:
Fasilitas kredit yang diberikan kepada 1. KPR Flexi
Calon Debitur perorangan dengan agunan Loan facilities provided to individual
Properti/ Properti Usaha. Skema penarikan Prospective Debtors with collateral for Property
pokok non revolving dengan metode / Business Property. The non-revolving principal
pembayaran bunga dibayarkan setiap bulan withdrawal scheme using the interest payment
sampai dengan kredit dinyatakan lunas oleh method is paid monthly until the loan is
bank sedangkan pokok dibayarkan setiap declared in full by the bank, while the principal
akhir periode tahun berjalan sesuai dengan is paid at the end of the current year period in
persentase yang telah ditentukan accordance with a predetermined percentage
2. KKB Flexi
Fasilitas bjb KKB kepada Debitur dengan 2. KKB Flexi
agunan kendaraan baru yang dibiayai KKB bjb facilities to Debtors with new collateral
yang bersifat Non Revolving dengan metode for financed vehicles of a Non Revolving nature
pembayaran bunga dibayar setiap bulan with the method of paying interest paid every
(sampai dengan kredit dinyatakan lunas oleh month (until the credit is declared in full by the
bank) sedangkan pokok dibayarkan setiap bank) while the principal is paid at the end of
akhir periode tahun berjalan sesuai dengan the current year period in accordance with a
persentase yang telah ditentukan predetermined percentage
6,60 %
7,000 7,00 %
5,93 % 6,148
6,000 5,758 6,00 %
5,309
dalam Rp miliar
3,000 3,00 %
2,000 2,00 %
1,000 1,00 %
0 0,00 %
2015 2016 2017 2018 2019
Portofolio 4,440 4,514 5,309 5,758 6,148
NPL (%) 6,60% 5,93% 4,93% 4,41% 4,16%
Pertumbuhan 2018-
Uraian 2019 2018 2017 2016 2015 2019
Description Growth 2018-2019
(Rp) (Rp) (Rp) (Rp) (Rp) (Rp) (%)
Portofolio 6,148 5,758 5,309 4,514 4,440 390 6.77%
Non Perfoming Loan (NPL) 4.16% 4.41% 4.93% 5.93% 6.60% (0.003) (5.67%)
Kinerja kredit KPR dan KKB dari sisi kredit KPR and KKB credit performance in terms of credit
menunjukkan pertumbuhan pada 5 (lima) tahun shows growth in the last 5 (five) years. KPR and KKB
terakhir. Portofolio kredit KPR dan KKB tahun loan portfolios in 2019 reached IDR6,148 billion,
2019 mencapai Rp6.148 milar, meningkat Rp390 an increase of IDR390 or 6.77%, compared to
atau 6,77%, dibandingkan dengan tahun 2018 2018 which reached IDR5,758 billion. The increase
yang mencapai Rp5.758 miliar. Peningkatan was driven by growth in mortgage loans, among
tersebut didorong oleh pertumbuhan kredit others:
KPR antara lain:
-- Optimalisasi program FLPP yang diberikan -- Optimization of the FLPP program provided by
oleh LDPP KEMENPUPERA LDPP KEMENPUPERA
-- Memperbanyak realisasi dari hasil beberapa -- Increase the realization of the results of several
PKS dari developer unggulan PKS from leading developers
-- Melakukan inisiasi kerja sama AREBI untuk -- Initiated the AREBI cooperation to market the
memasarkan program bjb KPR Secondary. Secondary KPR bjb program.
Sementara itu dari sisi kualitas kredit mengalami Meanwhile, in terms of credit quality has improved
perbaikan dimana Non Performing Loan (NPL) where Non-Performing Loans (NPL) Mortgages
Kredit KPR dan KKB menunjukkan penurunan and KKB loans have decreased in the last 5 years.
pada 5 tahun terakhir. NPL kredit KPR dan NPL for KPR and KKB loans in 2019 experienced
KKB pada tahun 2019 mengalami perbaikan an improvement reaching 4.16%, decreased when
mencapai 4,16%, menurun bila dibandingkan compared to the NPL in the last 4 (four) years.
dengan NPL pada 4 (empat) tahun terakhir.
6,200 7,00 %
6,134 6,148
5,78% 5,74% 6,105 6,117
5,67%
6,100 5,38% 5,23% 5,38% 5,41% 6,00 %
5,97% 5,23% 5,19%
5,01%
6,000 5,977
6,057
5,00 %
5,998 6,030 4,16%
5,904
5,900 5,878 4,00 %
5,799
5,800 3,00 %
5,747
5,700 2,00 %
5,600 1,00 %
5,500 0,00 %
Jan Feb Mar Apr Mei Jun Jul Agt Sep Okt Nov Des
Portofolio 5,747 5,799 5,878 5,904 5,977 5,998 6,030 6,057 6,105 6,117 6,134 6,148
NPL (%) 5,38% 5,67% 5,23% 5,78% 5,97% 5,38% 5,74% 5,41% 5,23% 5,19% 5,01% 4,16%
Posisi NPL bjb KPR dan KKB per 31 Desember The NPL position for bjb KPR and KKB as of
2019 yaitu sebesar 4,16%. Dimulai sejak awal December 31, 2019 is 4.16%. Starting from the
tahun terjadi perbaikan/penurunan kredit yang beginning of the year there was an improvement /
bermasalah (NPL). Kinerja KPR dan KKB dari sisi decrease in problem loans (NPL). The performance
penurunan NPL dinilai cukup berhasil dengan of KPR and KKB in terms of decreasing NPL was
NPL akhir di bawah 5%. considered quite successful with the final NPL
below 5%.
Perbaikan NPL pada tahun 2019 diakibatkan
oleh upaya penyelamatan kredit berupa The improvement in NPLs in 2019 was due to efforts
penagihan yang dilakukan secara intensif, upaya to save credit in the form of intensive billing, efforts
penyelesaian kredit melalui lelang, Aset Yang to settle loans through auctions, Assets Taken Over
Diambil Alih (AYDA) serta adanya peningkatan (AYDA) as well as an increase in disbursement of
pencairan kredit bjb KPR dan KKB. Selain credit bjb KPR and KKB. In addition to the rescue
dari upaya Penyelamatan dan penyelesaian, and settlement efforts, the KPR and KKB divisions
Divisi KPR dan KKB secara terus menerus continuously improve the quality of credit since
meningkatkan kualitas kredit sejak di mulai business processes are started and ongoing
bisnis proses dan dilakukan monitoring secara monitoring is carried out.
berkelanjutan.
Tantangan yang dihadapi oleh Perseroan dalam The challenge faced by the Company in reducing
menurunkan NPL bjb KPR dan KKB tahun 2019 the NPL of bjb KPR and KKB in 2019 was the
adalah terjadinya fluktuasi perekonomian akibat occurrence of economic fluctuations due to the
dampak pemilihan umum. impact of the general election.
Faktor Pendukung dan Penghambat Bisnis Supporting And Inhibiting Factors Of The Business
Penjelasan terkait faktor pendukung dan Explanations related to supporting factors and
penghambat bisnis yaitu sebagai berikut: business obstacles are as follows:
1. Faktor Pendukung 1. Supporting Factors
a. Pelayanan proses kredit KPR bank bjb a. bank bjb mortgage loan service process is
relatif cepat. relatively fast.
b. Permohonan Kredit KPR dapat diproses b. The application for a mortgage loan can be
di seluruh Kantor Cabang bank bjb se- processed at all branch offices of bank bjb
Indonesia. throughout Indonesia.
c. Fitur dan suku bunga kredit KPR bank bjb c. Features and rates for bank bjb mortgage
dapat bersaing dengan bank lain. loans can compete with other banks.
Rencana dan Strategi KPR dan KKB Tahun Plan and Strategy Of 2020 Kpr And Kkb
2020
Uraian rencana dan strategi KPR dan KKB pada The description of KPR and KKB plans and strategies
tahun 2020 adalah sebagai berikut: in 2020 is as follows:
1. Percepatan pertumbuhan kredit yang 1. Accelerating quality credit growth through
berkualitas melalui peningkatan ekspansi increasing the expansion of the BPR Primary
bjb KPR Primary dengan PKS Pengembang, KPR with Developer PKS, optimizing the
optimalisasi penyerapan KPR FLPP, absorption of FLPP KPRs, adding asset buy
penambahan portofolio asset buy (anorganik), (inorganic) portfolios, accelerating SLA credit
percepatan SLA proses kredit. process.
2. Perbaikan kualitas kredit dengan cara 2. Improving credit quality by reducing absolute
menurunkan absolute kolektibilitas 2 2 (two collectability) through changes in
(dua) melalui perubahan pola penagihan, billing patterns, decreasing absolute 3
menurunkan absolute kolektibilitas 3 (tiga) (three) collectability through intensive billing,
melalui penagihan intensif, rescheduling rescheduling installments, voluntary sales and
angsuran, penjualan sukarela dan increasing the completeness of documents
peningkatan kelengkapan dokumen BAST under management BAST, reducing absolute
kelolaan, menurunkan absolute kolektibilitas 5 (five) collectability through accelerated
5 (lima) melalui percepatan eksekusi jaminan collateral execution (auction / cessie).
(lelang/cessie).
3. Penyesuaian grading para account 3. Adjusting grading of account officers to increase
officer untuk meningkatkan motivasi dan motivation and work productivity.
produktifitas kerja.
Ketiga (DPK) yang kompetitif dan selalu dapat that can always meet the varied transaction
memenuhi kebutuhan transaksi dan finansial and financial needs of customers. In 2019 the
nasabah yang bervariasi. Tahun 2019 ini Company through Tandamata SiMuda and
Perseroan melalui Tandamata SiMuda SiMuda Investasiku to meet millennial needs for
dan SiMuda Investasiku guna memenuhi investment or financial planning by providing
kebutuhan millennial akan investasi more benefits in the form of investment and
atau perencanaan keuangan dengan protection. In addition, interesting programs
memberikan benefit lebih berupa nilai throughout the year were rolled out, such
investasi dan proteksi. Selain itu program- as Boom Sureprize, Birthday Sureprize and
program menarik di sepanjang tahun di specifically the precious bank bjb customer,
gulirkan seperti Boom Sureprize, Birthday Lucky Sureprize as a form of Company
Sureprize dan khusus nasabah precious bank appreciation for its customers. For the Precious
bjb yaitu Lucky Sureprize sebagai bentuk bjb service itself, the bjb bank has added 2
apresiasi Perseroan terhadap nasabahnya. Precious bjb services in the bjb bank Main
Untuk layanan bjb Precious sendiri, bank Branch Office and bjb bank Tamansari Branch
bjb telah menambah 2 layanan bjb Precious Office so that in the Bandung area there are now
di bank bjb Kantor Cabang Utama dan bank 3 (three) Precious bjb service office networks
bjb Kantor Cabang Tamansari sehingga di namely bjb Precious Teuku Umar, bjb bank
wilayah Bandung sekarang terdapat 3 (tiga) Branch Main and Bank bjb Branch Tamansari.
jaringan kantor layanan bjb Precious yaitu
bjb Precious Teuku Umar, bank bjb Cabang
Utama dan bank bjb Cabang Tamansari.
Produktivitas Dana Pihak Ketiga Konsumer Consumer Third Party Funds (DPK) Productivity
Uraian produktivitas DPK konsumer disajikan A description of the productivity of DPK consumer
sebagai berikut. is presented as follows.
Pertumbuhan 2018-2019
2019 2018 2017
Growth of 2018-2019
Dana Pihak Ketiga Third Party Funds
(Rp) (Rp) (Rp) (Rp)
(%)
(IDR) (IDR) (IDR) (IDR)
Giro Current Account 952.000 887.309 740.986 64.691 7.29%
Tabungan Saving 20.734.614 20.481.352 17.661.579 253.262 1.24%
Deposito Deposits 10.050.573 8.814.031 7.602.312 1.236.542 14.03%
Total DPK Total DPK 31.737.187 30.182.692 26.004.877 1.554.495 5.15%
Total DPK tahun 2019 mencapai Rp31,73 Total DPK in 2019 reached IDR31,73 trillion, an
triliun, meningkat 5,15% atau Rp1,55 triliun increase of 5,15% or IDR1,55 trillion compared to
dibandingkan dengan tahun 2018 yang 2018, which reached IDR30,18 trillion. This increase
mencapai Rp30,18 triliun. Peningkatan ini is mainly derived from the current account growth
terutama berasal dari pertumbuhan giro of IDR1,24 trillion or 14,03%.
sebesar Rp1,24 triliun atau 14,03%.
Tabel Trend Pertumbuhan Giro bank bjb Periode Tahun 2015-2019 (Giro Konsumer)
Table of bank bjb Current Account Growth Periode 2015-2019 (Consumer Current Account) dalam jutaan Rupiah
in million IDR
Tahun Januari Februari Maret April Mei Juni Juli Agustus September Oktober November Desember
Year January February March April May June July August September October November December
2019 353,93 325,63 614,47 329,98 304,82 640,41 331,14 306,06 709,02 331,08 363,11 952,00
2018 307,01 285,16 489,41 277,37 254,94 505,59 261,39 263,23 532,13 288,41 314,38 887,31
2017 286,43 250,71 378,32 258,36 256,88 422,22 256,79 289,64 498,71 286,83 300,58 740,99
2016 235,19 220,08 260,14 224,60 224,10 322,94 254,26 246,23 409,54 284,28 274,48 509,13
2015 223,41 200,58 214,94 211,60 199,69 236,59 211,05 214,95 250,85 213,82 240,83 401,66
Giro tahun 2019 mencapai Rp952,00 miliar, Giro in 2019 reached IDR 952.00 billion, increasing
meningkat 7,29% dibandingkan tahun 2018 by 7.29% compared to 2018 reaching IDR 887.31
mencapai Rp887,31 miliar. Pertumbuhan billion. The growth of consumer demand deposits
giro konsumer dari tahun ke tahun has increased every year. The increase is the
senantiasa mengalami kenaikan. Peningkatan application of an effective strategy implemented by
tersebut merupakan penerapan strategi the Company.
efektif yang dijalankan oleh Perseroan.
Tren Giro Perorangan
dalam jutaan Rupiah
Individual Current Account Trend in million IDR
1000
900
800
700
600
500
400
300
200
100
0
2015 2016 2017 2018 2019
Januari Februari Maret April Mei Juni Juli Agustus September Oktober November Desember
January February March April May Juny July August September October November December
Tabungan Savings
Perkembangan produk tabungan Perseroan The development of Company savings products in
tahun 2017-2019 adalah sebagai berikut. 2017-2019 is as follows.
Pertumbuhan 2018-
December 2019 December 2018 December 2017
No. Types of Savings Products Types of Savings Products 2019
Amount NoA Amount NoA Amount NoA Amount NoA
1. E1 – Tabungan Tandamata Gold E1 – Tabungan Tandamata Gold 975,379,423,705 24,306 1,175,566,230,686 27,756 1,016,202,480,829 36,274 (17.03%) (12.43%)
2. E2 – Tabungan Simpeda E2 – Tabungan Simpeda 2,647,114,799,778 210,563 2,791,623,168,446 234,528 2,679,152,449,875 289,389 (5.18%) (10.22%)
3. E3 – Tandamata Haji E3 – Tandamata Hajj 4,323,182,109 11,966 4,929,662,277 1,804,896 6,218,487,557 12,738 (12.30%) (99.34%)
4. EA – Tabungan Tandamata EA - Tandamata Savings 11,353,548,281,497 1,830,944 10,952,597,440,490 830 11,827,054,637,110 2,041,750 3,66% (220,495.66%)
5. EB – Tandamata Bisnis EB - Tandamata Bisnis 66,138,734,525 821 75,199,274,109 14,407 76,086,870,562 827 (12.05%) (94.30%)
6. EC – Tabungan Tandamata EC –Tandamata Saving Time 176,381,103,806 14,464 161,988,708,553 520 145,732,194,149 14,542 8.88% 2,681.54%
Berjangka
7. ED – Simpanan Tandamata Dollar ED – Simpanan Tandamata 25,756,848,763 549 50,370,916,278 298,129 58,936,720,717 511 (48.87%) (99.82%)
Dollar
8. EE – Tandamata Sertifikasi Guru EE – Tandamata Sertifikasi Guru 3,459,486,420,633 297,444 3,372,098,549,708 298,129 425,295,824,980 73,882 2.59% (0.23%)
9. EF – Tabungan Tandamata PERSIB EF – Tabungan Tandamata - - - - - - - -
PERSIB
10. EF – Tabungan Tandamata PERSIB- EF – Tabungan Tandamata 3,364,805,228 406 2,198,247,344 528 3,427,453,044 907 53.07% (23.11%)
Non Aktif PERSIB-Non Active
11. EG – Tabungan Tandamata EG – Tabungan Tandamata 1,233,117,606,968 98,153 1,156,187,551,292 87,817 834,100,398,642 78,545 6.65% 11.77%
Purnabakti Purnabakti
12. EH – Tabunganku Dana BSM EH – Tabunganku Dana BSM 117,355,888,600 1,425,078 117,958,738,513 1,432,013 119,118,858,622 1,428,183 (0.51%) (0.48%)
13. EH – Tabunganku Dana BSM – EH – Tabunganku Dana BSM – - - - - - - - -
Non Aktif Non Active
14. EI – Tabungan SIMPEL EI – Tabungan SIMPEL 30,002,684,141 262,888 26,093,130,230 225,377 20,351,417,286 187,683 14.98% 16.64%
15. EJ – Tabungan BSA EJ – Tabungan BSA 14,743,166,895 61,740 10,949,253,424 40,875 2,305,758,358 10,895 34.65% 51.05%
16. EK – bjb Tandamata Purnabakti EK – bjb Tandamata Purnabakti 19,901,018,540 2,720 13,415,480,127 1,556 3,521,534,451 368 48.34% 74.81%
(Asabri) (Asabri)
17. EL – bjb Tandamata (TKI) EL – bjb Tandamata (TKI) 645,393,445 380 496,273,328 951 408,250,042 1,972 30.05% (60.04%)
18. EO – bjb Tandamata SiMuda EO – bjb Tandamata SiMuda 4,856,617,234 992 - - - - 100,00% 100,00%
19. EM – Tabungan Tandamata My First EM – Tabungan Tandamata 249,690,533,600 92,354 226,575,215,028 88,888 172,422,907,943 85,218 10.20% 3.90%
My First
20. ES – Simpnan Tandamata ES – Simpnan Tandamata 4,773,110,527 46 4,188,613,229 40 3,638,996,144 45 13.95% 15.00%
Sipngapur Dollar Sipngapur Dollar
21. ET – Tabunganku ET – Tabunganku 346,677,654,814 178,615 338,915,446,759 202,868 267,603,774,186 226,953 2.29% (11.96%)
22. EN – Tabungan PPBL EN – Tabungan PPBL - 4 - - - - (100,00%) (100,00%)
23. EP – Tabungan Simple PIP EP – Tabungan Simple PIP 631,609,434 4,218 - - - - 100,00% 100,00%
24. EU – bjb Tandamata Purnabakti EU – bjb Tandamata Purnabakti 725,522,788 687 - - - - 100,00% 100,00%
(Dapen) (Dapen)
Jumlah Total 20,734,614,407,030 4,519,338 20,481,351,899,771 4,474,204 17,661,579,014,497 4,490,682 1.24% 1.01%
Tahun Januari Februari Maret April Mei Juni Juli Agustus September Oktober November Desember
Year January February March April May June July August September October November December
2019 17,110,651 16,696,178 16,692,963 16,739,688 19,900,683 18,826,421 18,688,212 18,552,278 18,018,390 17,481,690 18,223,567 20,734,614
2018 15,298,380 15,258,260 15,348,967 15,087,962 16,184,315 16,728,436 17,399,888 16,609,927 16,859,560 16,568,820 17,793,548 20,481,352
2017 13,664,876 13,669,926 13,279,339 13,433,429 14,108,342 15,616,410 14,799,312 15,018,342 14,461,445 14,089,381 14,990,288 17,661,579
2016 11,661,430 11,456,806 11,335,757 12,193,321 11,867,347 12,243,742 12,716,997 13,002,251 12,649,558 12,656,798 14,186,246 16,826,383
2015 10,286,547 10,236,952 9,678,258 10,046,023 10,294,375 9,797,524 10,398,313 10,662,704 10,198,919 11,481,669 11,799,044 14,278,699
25.000.000
20.000.000
15.000.000
10.000.000
5.000.000
Januari Februari Maret April Mei Juni Juli Agustus September Oktober November Desember
January February March April May Juny July August September October November December
Deposito Deposits
Perkembangan produk deposito Perseroan The development of Company deposits products in
tahun 2015-2019 adalah sebagai berikut. 2015-2019 is as follows.
Tahun Januari Februari Maret April Mei Juni Juli Agustus September Oktober November Desember
Year January February March April May June July August September October November December
2019 9,445,304 9,334,012 9,228,507 9,338,805 9,332,805 9,277,951 9,436,837 9,368,832 9,763,911 9,763,911 9,871,914 10,050,573
2018 8,029,914 7,965,929 7,721,963 7,736,346 7,717,524 7,749,719 8,217,369 8,410,666 9,096,141 9,096,141 9,072,899 8,814,031
2017 7,593,724 7,531,406 7,360,016 7,356,101 7,215,587 7,214,756 7,314,946 7,566,613 7,761,809 7,761,809 7,908,817 7,602,312
2016 5,418,096 5,577,404 5,377,551 5,342,216 5,259,785 5,240,259 5,380,626 5,470,844 5,411,441 5,558,017 5,588,388 7,255,470
2015 4,278,407 4,306,013 4,306,697 4,427,237 4,712,230 4,795,678 4,822,726 4,895,000 4,899,686 4,886,121 4,875,445 5,160,346
Deposito tahun 2019 mencapai Rp10,05 Deposits in 2019 reached IDR10.05 trillion, an
triliun meningkat 14,03% dibandingkan tahun increase of 14.03% compared to 2018 reaching
2018 mencapai Rp8,81 triliun. Pertumbuhan IDR8.81 trillion. Deposit Growth is the application
Deposito merupakan penerapan strategi of an effective strategy implemented by the
efektif yang dijalankan oleh Perseroan. Company.
10.000.000
8.000.000
6.000.000
4.000.000
2.000.000
0
2015 2016 2017 2018 2019
Januari Februari Maret April Mei Juni Juli Agustus September Oktober November Desember
January February March April May Juny July August September October November December
Rencana dan Strategi Pemasaran DPK Plan and Strategy In 2020 for Consumer DPK Mar-
Konsumer Tahun 2020 keting
Uraian rencana dan strategi pemasaran dana A description of the plan and strategy for the
pihak ketiga tahun 2020 adalah sebagai berikut: marketing of third party funds in 2020 is as follows:
1. Strategi Produk and Layanan Berinovasi dan 1. Product Strategy and Service to Innovate and
Mengembangkan Produk Develop Products
Pengembangan layanan dan fitur baru Development of new services and features
sesuai dengan kebutuhan nasabah yang according to dynamic customer needs
dinamis diantaranya: including:
a. Pembangunan infrastruktur pendukung a. Development of supporting infrastructure
peningkatan CASA dan transactional for increasing CASA and transactional
banking khususnya tabungan berbasis IT banking, especially IT-based savings (virtual
(virtual account, open account online, dan accounts, open online accounts, etc.).
lain-lain).
b. Penyempurnaan fitur layanan digital/ b. Enhancing features of digital / electronic
elektronik atau e-channel seperti mobile services or e-channels such as mobile apps,
apps, mobile banking, dan internet banking mobile banking, and internet banking so
sehingga mendorong terjadinya kenaikan as to encourage transaction increases and
transaksi dan penguatan fee based income. strengthen fee-based income.
c. Penambahan merchant dengan program c. Adding merchants to the rewards program
reward untuk EDC. for EDC.
d. Penguatan program promosi melalui d. Strengthening promotional programs
redeem point, activities, events dan through redeem points, activities, events
community marketing. and community marketing.
PT ASABRI dan Dana Pensiun lainnya ASABRI and other Pension Funds related
terkait pembayaran tabungan hari tua. to payment of old age savings.
-- Bekerjasama dengan Badan -- In collaboration with the Provincial / City
Kepegawaian Daerah (BKD) Provinsi/ / Regency Regional Civil Service Agency
Kota/Kabupaten menyelenggarakan (BKD) organizes workshops for civil
workshop bagi nasabah PNS yang servant customers entering retirement
memasuki usia pensiun. age.
-- Kerjasama dengan Kementrian -- Cooperation with the Ministry of Public
Pekerjaan Umum dan Perumahan Works and Public Housing in terms of
Rakyat dalam hal penyaluran dana channeling State Budget funds (BSPS and
APBN (dana bantuan BSPS dan RUTILAHU aid funds) in 2020.
RUTILAHU) tahun 2020. -- Exploring cooperation with the
-- Penjajakan kerjasama dengan Directorate of Highways and Public
Direktorat Bina Marga dan Pekerjaan Works related to the distribution of land
Umum terkait penyaluran dana acquisition funds.
pembebasan lahan.
b. Mengembangkan program marketing b. Develop savings marketing programs such
tabungan seperti program hadiah as direct prize programs, lottery programs
langsung, program undian berhadiah dan and marketing programs with specific
program marketing dengan segmentasi customer segments including:
nasabah tertentu diantaranya:
-- bjb SurePrize periode tahun 2020 -- bjb SurePrize 2020 period with thematic
dengan edisi tematik seperti, SurePrize editions such as, SurePrize Birthday,
Birthday, Sureprize Imlek/Angpao, Chinese New Year / Angpao Sureprize,
Sureprize Akhir Tahun, dan lain-lain. End of Year Sureprize, and others.
-- bjb Cinta Guru merupakan program -- bjb Cinta Guru is a promotional program
promosi yang ditujukan bagi para aimed at teacher customers receiving
nasabah guru penerima tunjangan certification allowances.
sertifikasi.
-- Khusus untuk nasabah bjb Precious -- Especially for Precious bjb customers,
yaitu program Lucky SurePrize, the Lucky Sure Prize program, SurePrize
Bundling SurePrize, dan MGM. Bundling program, and MGM.
-- Program Tandamata SiMuda. -- Tandamata SiMuda Program.
-- Hadiah langsung Program bjb -- Direct prize for the 2020 bjb Tandamata
Tandamata Berjangka 2020. Futures Program.
-- Program promosi layanan bjb -- T-Samsat bjb service promotion
T-Samsat. program.
c. Pemasaran tabungan melalui pendekatan c. Savings marketing through a community
komunitas (community marketing). approach.
d. Melakukan promosi yang d. Conduct ongoing promotion through below
berkesinambungan melalui kegiatan the line and above the line activities for
below the line dan above the line kepada the student and student segments (young
segmen pelajar dan mahasiswa (generasi generation).
muda).
3. Pricing Strategy 3. Pricing Strategy
Pemberian tingkat suku bunga DPK yang Providing attractive and competitive deposit
menarik dan bersaing bagi para nasabah. rates for customers. Company regularly
Perseroan secara secara berkala melakukan evaluates the interest rate of third party funds,
evaluasi dalam memberikan tingkat suku especially products that are sensitive to interest,
bunga DPK khususnya produk yang sensitif namely deposits. This interest rate evaluation
akan bunga yaitu deposito. Evaluasi tingkat is carried out so that the Company deposit
suku bunga ini dilakukan agar produk products can compete in the midst of tighter
DPK Perseroan dapat bersaing di tengah competition and the Company deposit products
kompetisi yang semakin ketat dan produk can be the top choice for customers in investing.
deposito Perseroan dapat menjadi pilihan
utama bagi nasabah dalam berinvestasi.
Total DPK Nasabah institusi pada tahun 2019 Total deposits from institutional customers in 2019
mencapai Rp51,05 triliun, meningkat 0,44% reached IDR51.05 trillion, an increase of 0.44%
atau Rp224,79 miliar dibandingkan dengan or IDR224.79 billion compared to 2018 which
tahun 2018 yang mencapai Rp50,82 miliar. reached IDR50.82 billion. The increase came from
Peningkatan tersebut berasal dari pertumbuhan the current account growth of IDR1.17 trillion or
giro sebesar Rp1,17 triliun atau 6,72%. 6.72%.
55,65
50,82 51,05
47,94
41,71
36,44
31,4 33,407 32,46
23,56
18,15 19,2 18,58
16,54 17,41
Dalam memenuhi kebutuhan akan layanan In meeting the need for comprehensive financial
keuangan yang menyeluruh bagi nasabahnya, services for its customers, Company provides wealth
Perseroan memberikan layanan wealth management services as a financial planning
management sebagai solusi perencanaan solution for customers. Wealth management
keuangan bagi nasabah. Layanan wealth services offered by Company include mutual fund
management yang dihadirkan Perseroan products and bancassurance.
meliputi produk reksa dana dan bancassurance.
Produk reksa dana yang dijual melalui Perseroan Mutual fund products sold through Company in
bekerjasama dengan Manajer Investasi collaboration with leading investment managers
terkemuka diantaranya yaitu: include:
1. PT Bahana TCW Investment Management 1. PT Bahana TCW Investment Management
2. PT Danareksa Investment Management 2. PT Danareksa Investment Management
3. PT Trimegah Asset Management 3. PT Trimegah Asset Management
4. PT Syailendra Capital 4. PT Syailendra Capital
5. PT Sucorinvest Asset Managemet 5. PT Sucorinvest Asset Managemet
6. PT Sinarmas Asset Management 6. PT Sinarmas Asset Management
Produk reksa dana yang dijual melalui Mutual Funds products sold through Company
Perseroan memiliki karakteristik dan profil risiko have various characteristics and risk profiles
yang beragam mulai dari rendah hingga tinggi. ranging from low to high. The Mutual Funds
Produk Reksa Dana yang tersedia di Perseroan products available at the Company are as follows
diantaranya yaitu sebagai berikut.
Strategi dan Program Pemasaran Wealth Marketing Strategy and Programs Of Wealth
Management Management
Dalam rangka meningkatkan perolehan fee In order to increase fee-based income from Wealth
based income dari produk-produk Wealth Management products, the Company conducted
Management, Perseroan melakukan berbagai a variety of product marketing programs and
program dan strategi pemasaran produk untuk strategies to increase sales of Mutual Funds and
meningkatkan penjualan produk reksa dana Bancassurance products. Some of the programs
dan bancassurance. Beberapa program dan and strategies undertaken include:
strategi yang dilakukan diantaranya yaitu:
1. Program Promosi dan Pemasaran 1. Promotion and Marketing Programs
a. Program bjb Bancassurance Trip Reward- a. The Bancassurance Trip Reward-Australia
Australia with SMiLe 2019 bjb program with SMiLe 2019
b. Program bjb Bancassurance Poin Reward b. 2019 Bancassurance Reward Points bjb
2019 program
c. Program bjb Super Gift Bancassurance c. The 2019 Super Gift Bancassurance bjb
2019 program
a. Pelatihan dan sertifikasi Wakil Agen a. Training and certification of Mutual Fund
Penjual Efek Reksa Dana (WAPERD) bagi Stock Selling Agent (WAPERD) for Mutual
para pemasar produk Reksa Dana. Fund product marketers.
b. Refreshment dan product knowledge untuk b. Refreshment and product knowledge for
produk-produk wealth management. wealth management products.
c. Mengikutsertakan pada program c. Participate in the WAPERD Advanced
Pendidikan Profesi Lanjutan (PPL) Professional Education (PPL) program for
WAPERD bagi pegawai yang telah memiliki employees who already have WAPERD
sertifikasi WAPERD. certification.
d. Pelatihan Certified Wealth Manager Level-1 d. Level-1 Certified Wealth Manager training
bagi para tenaga pemasar. for marketers.
e. Pelatihan Increasing Productivity for MDK e. Increasing Productivity for MDK training for
bagi para tenaga pemasar. marketers.
f. Ikut serta pada kegiatan-kegiatan yang f. Participate in activities organized by the
diselenggarakan oleh Asosiasi maupun Association and Regulators.
Regulator.
4. Review terhadap ketentuan internal dan SOP 4. Reviewing internal regulations and SOP for
produk Wealth Management Wealth Management products
Tabel Pertumbuhan Asset Under Management Reksa Dana dan Premi Bancassurance
Table of Asset Under Management Growth of Mutual Funds and Bancassurance Premiums dalam Rupiah penuh
in Full IDR
Pertumbuhan
Tahun 2019 2018 2017 2016 2015 2018-2019
Year Growth 2018-2019
(Rp) (Rp) (Rp) (Rp) (Rp) (Rp) (%)
Premi bancasssurance 25,262,622,602 25,940,294,109 54,444,770,390 31,321,716,565 32,644,435,489 (677,671,507) (2.61%)
AUM Reksa Dana 201,847,530,688 138,885,773,053 219,565,036,813 79,604,154,788 41,283,056,667 62,961,757,635 45.33%
AUM Reksa Dana tahun 2019 mencapai AUM Mutual Funds in 2019 reached IDR201.85
Rp201,85 miliar, meningkat Rp64,96 miliar atau billion, an increase of IDR64.96 billion or 45.33%
45,33% dibandingkan dengan tahun 2019 yang compared to 2019 which reached IDR138.89
mencapai Rp138,89 miliar. Sedangkan untuk billion. As for the bancasssurance premium in
premi bancasssurance tahun 2019 mencapai 2019, it reached IDR25.26 billion, a slight decrease
Rp25,26 miliar, sedikit turun sebesar 2,61% of 2.61% compared to 2018 which reached
dibandingkan tahun 2018 yang mencapai IDR25.94 billion.
Rp25,94 miliar.
Tabel Perolehan Fee Based Income Produk Wealth Management
Table of Fee Based Income Wealth Management Product Acquisition
dalam Rupiah penuh
in Full IDR
Pertumbuhan 2018-2019
Tahun 2019 2018 2017 2016 2015
Growth 2018-2019
Year
(Rp) (Rp) (Rp) (Rp) (Rp) (Rp) (%)
Bancasssurance 8,652,469,224 11,519,864,374 11,837,773,279 11,371,399,400 10,745,528,384 (2,867,395,150) (24.89%)
Reksa Dana 862,850,640 1,450,641,214 905,829,878 850,678,262 259,624,963 (587,790,574) (40.52%)
Total 9,515,319,864 12,970,505,588 12,743,603,157 12,222,077,662 11,005,153,347 (3,455,185,724) (26.64%)
Sepanjang tahun 2019, perolehan fee based Throughout 2019, the acquisition of fee-based
income dari aktivitas wealth management income from wealth management activities
mencapai Rp9,5 miliar, turun 26,64% reached IDR9.5 billion, down 26.64% compared
dibandingkan dengan tahun 2018 yang to 2018 which reached IDR12.97 billion. The
mencapai Rp12,97 miliar. Penurunan tersebut decrease was mainly derived from the decrease in
khususnya berasal dari turunnya bancassurace bancassurace of IDR2.87 billion.
sebesar Rp2,87 miliar.
Grafik Produktivitas Wealth Management
Graph of Wealth Management Productivity
dalam jutaan Rupiah
in million IDR
250.000
200.000
150.000
100.000
50.000
0
2015 2016 2017 2018 2019
FYP Bancasssurance 32.644 31.322 54.445 25.940 25.262
AUM Reksa Dana 41.283 79.604 219.565 138.885 201.847
Fee based Income 9.515 12.970 12.743 12.222 11.005
Rencana dan Strategi Tahun 2020 Wealth Plan And Strategy For 2020 Wealth Management
Management
Dalam rangka meningkatkan perolehan fee In order to increase fee-based income from Wealth
based income dari produk-produk Wealth Management products through increased sales
Management melalui peningkatan penjualan of Wealth Management products, the Company
produk Wealth Management, Perseroan plans for several 2020 programs and strategies
merencanakan beberapa program dan strategi including:
tahun 2020 diantaranya yaitu:
1. Pengembangan dan penambahan kerjasama 1. Development and addition of marketing
pemasaran dengan Manajer Investasi dan partnerships with Investment Managers
Perusahaan Asuransi untuk menambah and Insurance Companies to add to the
kelengkapan produk-produk Wealth completeness of Wealth Management products.
Management.
2. Menyelenggarakan program promosi 2. Organizing sales promotion programs
penjualan di antaranya: including:
a. SMART referral program a. SMART referral program
b. Bancassurance kick off program 2020 b. Bancassurance kicks off the 2020 program
c. Customer gathering produk-produk wealth c. Customer gathering of wealth management
management products
d. Bulan reksa dana karyawan d. Employee mutual fund month
e. Bancassurance customer reward e. Bancassurance customer reward
f. Trip reward program f. Trip reward program
3. Pengembangan kompetensi pegawai bank 3. Development of Company employee
Perseroan melalui pelatihan dan sertifikasi di competencies through training and certification
bidang wealth management (WAPERD, WPPE, in the field of wealth management (WAPERD,
CWMA, CFP, AAJI). WPPE, CWMA, CFP, AAJI).
4. Penyusunan marketing kit (flyer, brosur) 4. Preparation of marketing kits (flyers, brochures)
terkait produk wealth management dalam related to wealth management products in
menunjang aktivitas pemasaran. supporting marketing activities.
5. Mendukung kegiatan yang dilaksanakan baik 5. Support the activities carried out both by the
oleh asosiasi maupun otoritas. association and the authorities.
6. Melakukan refreshment, sosialisasi, dan 6. Refreshing, socializing, and product knowledge
product knowledge atas ketentuan dan of wealth management regulations and
produk-produk wealth management. products.
7. Mengikutsertakan pegawai pada training/ 7. Involve employees in training / workshops
workshop/seminar dalam rangka / seminars in order to improve soft skills
meningkatkan softskill maupun technical skill and technical skills in the field of wealth
di bidang wealth management. management.
a. bjb Lucky Sureprize ditujukan kepada a. bjb Lucky Sureprize is addressed to bjb
nasabah bjb precious dalam rangka precious customers in order to increase
untuk peningkatan CASA. CASA.
b. Member Get Member (MGM) merupakan b. Member Get Member (MGM) is a program
program untuk meningkatkan member to increase member bjb precious.
bjb precious.
c. Bundling Sureprize yaitu program top dana c. Sureprize Bundling is a top fund program
untuk nasabah drop fund yang saldonya for drop fund customers whose balance is
di bawah Rp500 juta. under IDR500 million.
d. Race Sureprize merupakan program d. Race Sureprize is a loyalty program aimed at
loyalty yang ditujukan kepada nasabah bjb precious customers who can maintain
bjb precious yang dapat maintenance average savings balances with a certain
average saldo tabungan dengan jumlah amount.
tertentu.
10.000.000
8.000.000
6.000.000
4.000.000
2.000.000
-
Des
Jan Feb Mar Apr Mei Jun Jul Agt Sep Okt Nov Des
18
Posisi 8.26 8.10 7.95 8.01 7.90 8.17 8.51 8.28 8.26 8.73 8.74 8.89 9.72
Dana kelolaan bjb precious mengalami The bjb precious managed fund increased by
kenaikan sebesar 17,6% atau sebesar Rp9,72 17.6% or as much as IDR9.72 trillion in December
triliun pada Desember 2019 dibandingkan 2019 compared to the position in December 2018
dengan posisi Desember 2018 sebesar Rp8,26 of IDR8.26 trillion. The increase was due to the
triliun. Peningkatan tersebut karena penerapan implementation of the right strategy carried out by
strategi tepat yang dilakukan oleh bjb precious. the bjb precious.
12000
10000
8000
6000
4000
2000
0
Des
Jan Feb Mar Apr Mei Jun Jul Agt Sep Okt Nov Des
18
2019 8650 8763 8856 8804 9012 9129 9267 9457 9686 9920 10091 10229 10512
Nasabah bjb precious mengalami kenaikan Customers growth of bjb precious increased by
sebesar 21,5% atau sebesar 10.512 nasabah 21.5% or 10,512 customers in December 2019
pada Desember 2019 dibandingkan dengan compared to December 2018 of 8650 customers.
Desember 2018 sebesar 8650 nasabah. The increase was in line with the increase in the
Peningkatan tersebut sejalan dengan funds under management of bjb precious.
peningkatan dana kelolaan bjb precious
12000
10000
8000
6000
4000
2000
0
Des 2014 Des 2015 Des 2016 Des 2017 Des 2018 Des 2019
Pertumbuhan nasabah bjb precious mengalami The growth of bjb precious customers increased
kenaikan sebesar 156,9% atau sebesar 6421 by 156.9% or 6421 customers in December 2019
nasabah pada Desember 2019 dibandingkan compared to the position in December 2014
dengan posisi Desember 2014 dan rata- and the average annual growth of bjb precious
rata pertumbuhan nasabah bjb precious customers was 13%. The increase was in line with
pertahunnya sebesar 13%. Peningkatan the increase in the funds under management of
tersebut sejalan dengan peningkatan dana bjb precious
kelolaan bjb precious
Rencana dan Strategi Tahun 2020 Bjb Plan and Strategy In 2020 for bjb Precious
Precious
Uraian rencana dan strategi bjb precious yang A description of the bjb precious plan and strategy
akan diimplemantasikan pada tahun 2020 that will be implemented in 2020 includes the
meliputi strategi financial, strategi business financial strategy, business development strategy
development dan strategi sumber daya manusia and human resources strategy as follows.
yang disajikan sebagai berikut.
Dari produk-produk tersebut yang cukup These products that are quite popular in the market
diminati di market adalah Counterparty Bank are Counterparty Bank Trade Financing and
Trade Financing dan Forfaiting. Counterparty Bank Forfaiting. Counterparty Bank Trade Financing is
Trade Financing merupakan pinjaman berjangka an interbank term loan with a maximum loan term
antar bank dengan jangka waktu pinjaman of 1 (one) year to finance trade finance and services
maksimal 1 (satu) tahun yang dilakukan untuk transactions, such financing can be UPAS, UPAU or
pembiayaan transaksi trade finance and services, Banker Acceptance. Forfaiting is the withdrawal /
financing tersebut dapat berupa UPAS, UPAU purchase of Bill Rights from Forfaitee by Forfaiter
maupun Banker Acceptance. Forfaiting adalah at a discount without Regres rights. Counterparty
pengambialihan/pembelian Hak Tagih dari Bank Trade Financing and Forfaiting has begun to
Forfaitee oleh Forfaiter dengan diskon tanpa be marketed since 2012 and until now continues
hak Regres. Counterparty Bank Trade Financing to increase, as evidenced by the realization of
dan Forfaiting telah mulai dipasarkan sejak Counterparty Bank Trade Financing (CBTF) and
tahun 2012 dan sampai dengan saat ini terus Forfaiting products.
mengalami peningkatan, terbukti dengan
data realisasi produk Counterparty Bank Trade
Financing (CBTF) dan Forfaiting.
Finance and Services telah terstandarisasi have been standardized internationally and
Internasional dan didukung oleh SDM yang supported by HR who are certified in their fields.
sudah tersertifikasi pada bidangnya.
Pertumbuhan
2019 2018 2017 2016 2015 2018-2019
Produk Growth 2018-2019
Product
Rp Rp Rp Rp Rp Rp
(%)
(IDR) (IDR) (IDR) (IDR) (IDR) (IDR)
CBTF 25,757,300,000 17,256,300,000 15,122,800,000 13,527,500,000 4,866,600,000 8,501,000,000 49.26%
Forfaiting 2,079,300,000 931,800,000 - - - 1,147,500,000 123.15%
CBTF tahun 2019 mencapai Rp25,76 miliar, CBTF in 2019 reached IDR25.76 billion, an increase
meningkat 49,26% atau Rp 8,50 miliar of 49.26% or IDR8.50 billion compared to 2018
dibandingkan dengan tahun 2018 yang which reached IDR17.26 billion. Likewise, forfaiting
mencapai Rp17,26 miliar. Demikian pula dengan increased by 123.15% or IDR1.15 billion from
forfaiting yang mengalami peningkatan sebesar IDR938.80 million in 2018 to IDR2.08 billion in
123,15% atau Rp1,15 milar dari Rp938,80 juta di 2019.
tahun 2018 menjadi Rp2,08 miliar di tahun 2019.
Untuk segmen produk transaksi bisnis kepada For the business transaction product segment for
nasabah, yang menjadi unggulan adalah customers, the leading service is the Supply Chain
layanan transaksi Supply Chain Financing (SCF). Financing (SCF) transaction service. SCF product
Kepemilikan produk SCF adalah Divisi Korporasi ownership is the Corporate and Commercial
dan Komersial, sedangkan layanan transaksi Division, while SCF transaction services are
SCF dikelola oleh Divisi International Banking. managed by the International Banking Division.
Supply Chain Financing merupakan fasilitas Supply Chain Financing is a facility provided by
yang disediakan oleh bank kepada principal/ banks to the principal / buyer to be used to pay
buyer untuk digunakan membayar tagihan supplier bills in the context of procurement of goods
supplier dalam rangka pengadaan barang and / or services. With the Supply Chain Financing
dan/atau jasa. Dengan adanya fasilitas Supply facility, it can help fulfill the working capital needs
Chain Financing dapat membantu pemenuhan of supply chain transactions, including improving
kebutuhan modal kerja transaksi supply the company’s cash flow, competitive interest rates
chain, antara lain memperbaiki cashflow and easy and fast processes. Thus making this SCF
perusahaan, suku bunga bersaing dan proses transaction service the flagship of the International
yang mudah dan cepat. Sehingga menjadikan Banking Division, this can be seen from the
layanan transaksi SCF ini menjadi unggulan increasing revenue from SCF transaction services
Divisi International Banking, hal ini terlihat as follows.
dari semakin meningkatnya pendapatan
dari layanan transaksi SCF sebagai berikut.
Jumlah transaksi supply chain tahun 2019 The number of supply chain transactions in 2019
mencapai 737.765 transaksi, meningkat reached 737,765 transactions, an increase of
5,26% dibandingkan dengan tahun 2018 yang 5.26% compared to 2018 which reached 700,898
mencapai 700.898 transaksi. Hal tersebut sejalan transactions. This is in line with the increase in
dengan peningkatan pendapatan di tahun revenue in 2019 which reached IDR25.53 billion,
2019 yang mencapai Rp25,53 miliar, meningkat an increase of 39.06% or IDR7.17 billion compared
39,06% atau Rp7,17 miliar dibandingkan dengan to 2018 which reached IDR18.36 billion.
tahun 2018 yang mencapai Rp18,36 miliar.
Faktor Pendukung dan Penghambat Bisnis International Banking Supporting and Inhibiting
International Banking Factors
Untuk menghadapi semakin ketatnya tantangan To face the increasingly stringent challenges and
dan persaingan produk yang menawarkan product competition that offers trade finance
transaksi trade finance antar bank, Perseroan transactions between banks, the Company
terus berusaha meningkatkan pelayanan dan continues to improve services and develop products
melakukan pengembangan produk yang mampu that are able to meet the expectations of debtors
memenuhi ekspektasi debitur dan counterparty and counterparts and foster good relations with
serta membina hubungan baik dengan debitur debtors and counterparties so as to produce
dan counterparty sehingga menghasilkan kerja cooperative transactions in various products. Trade
sama transaksi dalam berbagai produk. Produk Finance and Services products can be accessed
Trade Finance and Services dapat diakses oleh by customers in 65 (sixty-five) bjb bank branches
nasabah di 65 (enam puluh lima) Cabang bank spread throughout Indonesia with centralized
bjb yang tersebar diseluruh Indonesia dengan transaction operations. The products provided will
penanganan operasional transaksi secara continue to be developed so that they can keep up
sentralisasi. Produk-produk yang disediakan with market developments and customer needs
akan terus selalu dikembangkan sehingga with competitive rates and services.
dapat mengikuti perkembangan pasar dan
kebutuhan nasabah dengan tarif dan layanan
yang kompetitif.
Rencana dan Strategi di Tahun 2020 Plan And Strategy In 2020 For International
International Banking Banking
1. Membuat dan melakukan review credit line 1. Creating and conducting a credit line review
dan monitoring credit line untuk mendukung and credit line monitoring to support the bank’s
bisnis bank. business.
2. Memperluas dan mengembangkan 2. Expanding and developing cooperation with
kerjasama dengan counterparty bank melalui counterparty banks through various interbank
berbagai produk transaksi antar bank yang transaction products that are not limited
tidak terbatas pada UPAS/UPAU, Banker to UPAS / UPAU, Banker Acceptance, BG
Acceptance, BG under Counter Guarantee, Risk under Counter Guarantee, Risk Participation,
Participation, Forfaiting. Forfaiting.
3. Memperluas dan mengembangkan 3. Expanding and developing cooperation
kerjasama dengan counterparty bank melalui with counterparty banks through term loan
produk term loan. products.
4. Memperluas dan mengembangkan 4. Expanding and developing cooperation with
kerjasama dengan counterparty Lembaga Non-Bank Financial Institution counterparties
Keuangan Non Bank melalui berbagai through various transaction products including
produk transaksi diantaranya Money Market Money Market for securities companies, LC /
untuk perusahaan sekuritas, Penjaminan SKBDN issuance guarantees from insurance
penerbitan LC/SKBDN dari perusahaan / guarantee companies and BG issuance
asuransi/penjaminan dan penerbitan for counter guarantee insurance securities
BG untuk perusahaan sekuritas kontra companies.
guarantee asuransi.
5. Menjalin dan mengembangkan kerjasama 5. Establishing and developing cooperation with
dengan counterparty lembaga keuangan non counterparties of non-bank asset management
bank asset management dan sekuritas melalui and securities financial institutions through the
pemberian credit line untuk mendukung provision of credit lines to support the bank’s
bisnis bank. business.
6. Menggali potensi bisnis yang dapat 6. Exploring the business potential that can be
dikembangkan kerjasama dengan developed in cooperation with counterparty
counterparty bank dan non bank yang sesuai banks and non-banks in accordance with the
dengan kebutuhan dari Perseroan. needs of the Company.
7. Meningkatkan kualitas SDM dengan 7. Improving the quality of human resources by
keikutsertaan pada program sertifikasi participating in national and international
nasional maupun internasional untuk certification programs to improve employee
meningkatkan kompetensi karyawan competency
Treasury Treasury
Penjelasan Treasury Treasury Explanation
Produk treasury di tahun 2019 yang menjadi Treasury products in 2019 which are the mainstay
andalan bisnis treasury adalah sebagai berikut: of the treasury business are as follows:
1. Deposito on Call (DOC) 1. Deposit on Call (DOC)
Dalam rangka penghimpunan dana pihak In the context of collecting third party funds
ketiga melalui intrumen Deposito on Call through the Deposit on Call (DOC) instrument, the
(DOC), kantor cabang dapat menerima branch office can accept deposits for corporate
simpanan untuk nasabah korporasi ataupun or individual customers with a minimum
perorangan dengan minimum nominal nominal equivalent of IDR250,000,000 with a
ekuivalen Rp250.000.000 dengan jangka period of 1 - 29 days.
waktu 1 - 29 hari.
2. Breakable on Demand (BOD) 2. Breakable on Demand (BOD)
Breakable on demand merupakan fasilitas Breakable on demand is a facility provided
yang diberikan berdasarkan permintaan based on the demand of depositors to be able
deposan untuk dapat mencairkan deposito to withdraw their long-term deposits before
berjangkanya sebelum jatuh tempo tanpa maturity without being subject to penalties
dikenakan penalty dan bunga berjalan tetap and current interest is paid proportionally in
dibayarkan secara proposional sesuai dengan accordance with the provisions. Depositors
ketentuan. Deposan dengan minimum with minimum equivalent deposits of
simpanan ekuivalen Rp250.000.000 dalam IDR250,000,000 in tenors of 1-26 days get
tenor 1-26 hari mendapatkan suku bunga an interest rate in accordance with the DOC
sesuai dengan bunga DOC yang berlaku saat interest prevailing at the time of disbursement
pencairan atau suku bunga yang tercantum or the interest rate stated on the bill if the
pada bilyet jika tenor penempatan di atas 26 placement tenor is above 26 days. Depositors
hari. Deposan dengan minimum simpanan with a minimum equivalent of IDR100 billion in
ekuivalen Rp100 miliar mendapatkan suku savings receive DOC interest rates in 1-21 day
bunga DOC dalam tenor 1-21 hari atau suku tenor or the interest rate stated in the bilyet if
bunga yang tercantum pada bilyet jika tenor the placement tenor is above 21 days.
penempatan di atas 21 hari.
3. Sistem bjb TIP-FX 3. TIP-FX bjb system
Bank bjb akan meningkatkan pelayanan Bank bjb will improve the services and
dan pemasaran produk treasury antara lain marketing of treasury products, among others,
dengan memperluas customer based melalui by expanding customer based through sales
kunjungan (sales visit) kepada nasabah visits to existing and potential customers and
eksisting dan potensial serta mengusulkan proposing related units to obtain forex and
kepada unit terkait untuk memperoleh forex derivatives lines. Treasury Division will conduct
dan derivatives line. Divisi Treasury akan socialization regarding foreign exchange
melakukan sosialisasi mengenai transaksi transactions and Hedging Instruments to
valuta asing dan Hedging Instruments kepada customers and related branch offices. The
nasabah dan kantor cabang terkait. Divisi Treasury Division also continues to develop
Treasury juga terus mengembangkan fitur- new features of the TIP-FX bjb system new
fitur baru sistem bjb TIP-FX generasi baru. generation.
dan peningkatan pendapatan bank. Sepanjang revenue. Throughout 2019, economic conditions
tahun 2019, kondisi perekonomian Indonesia in Indonesia will tend to be stable despite the
cenderung stabil meskipun ada ketidakpastian uncertainty of global economic conditions. The
akan kondisi perekonomian global. Melemahnya weakening of world trade and manufacturing
aktivitas perdagangan dan manufaktur dunia, activities, the high level of trade tension, and
masih tingginya ketegangan perdagangan, several large developing countries must face
dan beberapa negara berkembang besar financial market pressures. Emerging markets and
harus menghadapi tekanan pasar keuangan. developing economies (EMDE) are still affected by
Negara-negara berkembang (Emerging Market the global economic slowdown, such as the tension
and Developing Economies/EMDE) masih terkena of the US trade war with China and the unresolved
dampak terhadap perlambatan ekonomi global, issue of the exit of the United Kingdom from the
seperti tensi perang dagang AS dengan China European Union (Brexit) and the US conflict with
serta dan belum tuntasnya persoalan keluarnya Iran will only add to a slowdown in the global
United Kingdom dari Uni Eropa (Brexit) serta economy. Tension of trade war has an influence on
konflik AS dengan Iran hanya akan menambah Indonesia because the US and China are important
perlambatan laju ekonomi global. Ketegangan trade partners for Indonesia. The dynamics of the
perang dagang memiliki pengaruh terhadap global economy, namely the reduction in Federal
Indonesia karena AS dan China merupakan Fund Rate rates by 4 (four) times during 2019, was
mitra dagang yang penting bagi Indonesia. responded by a prudent by Bank Indonesia which
Dinamika ekonomi global yaitu penurunan also reduced the benchmark interest rate or the BI
suku bunga Federal Fund Rate sebanyak 4 7 Day Reverse Repo Rate by 4 (four) times in 2019.
(empat) kali sepanjang tahun 2019, direspon From July to December 2019, BI's benchmark
dengan prudent oleh Bank Indonesia yang juga interest rate fell 100 bps from 6.0% to 5.0%.
menurunkan tingkat suku bunga acuan atau BI The decline in the benchmark interest rate also
7 Day Reverse Repo Rate sebanyak 4 (empat) kali managed to overcome fluctuations in the value of
di tahun 2019. Dari bulan Juli hingga Desember the IDR, so that throughout 2019 the IDR exchange
2019, suku bunga acuan BI turun 100 bps dari rate did not move from the range of IDR13,900-
6,0% menjadi 5,0%. Penurunan suku bunga 14,000, although the IDR had weakened quite
acuan ini juga berhasil mengatasi fluktuasi nilai deeply in May 2019 at the level of IDR14,513. The
Rupiah, sehingga Sepanjang 2019 memang decline in the benchmark interest rate also caused
nilai tukar Rupiah tak beranjak dari kisaran a decline in the yield of securities, so the price of
Rp13.900-14.000an, meskipun Rupiah sempat government securities in 2019 tends to strengthen.
melemah cukup dalam pada bulan Mei 2019
yaitu pada level Rp14.513. Penurunan suku
bunga acuan ini pun menyebabkan penurunan
imbal hasil surat berharga, sehingga harga
surat berharga pemerintah pada tahun 2019
cenderung menguat.
Di tengah kondisi perekonomian yang menurun In the midst of the declining economic conditions,
tersebut, Divisi Treasury mampu membukukan the Treasury Division was able to record revenues
pendapatan dengan total sebesar Rp1,24 totaling IDR1.24 trillion (as of December 2019)
triliun (per Desember 2019) yang diperoleh dari obtained from foreign exchange transactions,
transaksi jual beli valas, surat berharga serta securities and placement of funds in money market
penempatan dana pada instrumen pasar uang. instruments. The Treasury Division also continues
Divisi Treasury juga terus meningkatkan aktivitas to increase foreign exchange sales activities by
sales valuta asing dengan memperbanyak increasing customer base, providing competitive
customer based, memberikan harga yang prices and continuing to develop the TIP-FX bjb
kompetitif serta terus mengembangkan sistem
bjb TIP-FX yang merupakan electronic trading system which is an electronic trading system that
system yang mempermudah transaksi valas facilitates customer forex transactions at bank bjb
nasabah di kantor cabang bank bjb. branch offices.
Aktivitas money market yang dilakukan antara lain Money market activities include placements
penempatan melalui instrumen moneter Bank through Bank Indonesia monetary instruments,
Indonesia, penempatan antar bank maupun interbank placements and optimization through
optimalisasi melalui gapping. Saat ini Perseroan gapping. Company is currently one of the
merupakan salah satu bank kontributor Jakarta contributors to the Jakarta Interbank Offered
Interbank Offered Rate (JIBOR) yang ditunjuk Rate (JIBOR) appointed by Bank Indonesia to
Bank Indonesia untuk memberikan kuotasi provide interest rates on interbank money market
suku bunga penawaran transaksi pasar uang transaction offerings in Indonesia. Company as a
antar bank di Indonesia. Perseroan sebagai contributor to JIBOR always supports the creation
kontributor JIBOR senantiasa mendukung of credible and money market benchmark interest
terciptanya suku bunga acuan pasar uang yang rates g the development of interbank money
kredibel dan dapat mendorong perkembangan market transactions.
transaksi pasar uang antar bank.
Sejalan dengan program Bank Indonesia dalam In line with Bank Indonesia's program in the
rangka pendalaman transaksi pasar uang, context of deepening money market transactions,
Perseroan juga aktif dalam melakukan transaksi Company is also active in conducting inter-bank
repo dan reverse repo antar bank, mengingat repo and reverse repo transactions, bearing in
transaksi repo merupakan alternatif pendanaan mind that repo transactions are flexible funding
yang fleksibel dengan suku bunga yang relatif alternatives with relatively low interest rates.
rendah.
1.746,45
1.349,00
528,58
Transaksi money market tahun 2019 mencapai Money market transactions in 2019 reached
Rp528,58 miliar, turun 60,82% atau Rp820,42 IDR528.58 billion, down 60.82% or IDR820.42
miliar dibandingkan dengan tahun 2018 yang billion compared to 2018 which reached IDR1.35
mencapai Rp1,35 triliun. Posisi outstanding trillion. Outstanding money market position at the
money market per akhir tahun 2019 mengalami end of 2019 has declined in line with the condition of
penurunan seiring dengan kondisi pasar the Indonesian financial market, which throughout
keuangan Indonesia yang sepanjang tahun the year has decreased the BI benchmark interest
mengalami penurunan suku bunga acuan BI rate to reach 5.00% at the end of December 2019,
hingga mencapai 5,00% per akhir Desember down by 100 bps, so that market interest rates
2019, turun sebesar 100 bps, sehingga suku traded tend to continue decreased.
bunga pasar yang diperdagangkan pun
cenderung terus menurun.
Selain obligasi pemerintah, penurunan bunga In addition to government bonds, the decline in the
acuan BI pun berpengaruh terhadap penerbitan BI benchmark rate also affected corporate bond
obligasi korporasi. Berdasarkan data Indonesia issuance. Based on data from the Indonesia Bond
Bond Pricing Agency (IBPA), tahun 2019 total Pricing Agency (IBPA), in 2019 the total issuance of
penerbitan obligasi korporasi sebesar Rp126,51 corporate bonds amounted to IDR126.51 trillion.
triliun. Angka ini meningkat 11,32% dari total This figure increased by 11.32% of the total issuance
penerbitan di tahun 2017 sebesar Rp113,64 in 2017 amounting to IDR113.64 trillion. While
triliun. Sedangkan penerbitan surat utang the issuance of corporate debt securities through
korporasi melalui skema penawaran terbatas a limited offering scheme or known as Medium
atau yang dikenal dengan Medium Term Notes Term Notes (MTN), based on data compiled from
(MTN), berdasarkan data yang dihimpun dari the Indonesian Central Securities Depository (KSEI),
Kustodian Sentral Efek Indonesia (KSEI) terdapat there were 129 new series issuances with a total
129 penerbitan seri baru dengan total nilai issuance value of IDR20.65 trillion.
issuance Rp20,65 triliun.
Pertumbuhan 2018-2019
2019 2018 2017
Uraian Description Growth 2018-2019
(Rp) (Rp) (Rp) (Rp) (%)
Fixed Income 2,134,581,754,747 305,259,000,000 1,812,510,430,023 1,829,322,754,747 599.27%
2.134,58
1.812,51
305,26
Volume transaksi trading fixed income sepanjang The volume of fixed income trading transactions
tahun 2019 mengalami peningkatan yang cukup throughout 2019 experienced a significant increase
signifikan dari Rp305,36 miliar di tahun 2018 from IDR305.36 billion in 2018 to IDR2,134.58
menjadi Rp2.134,58 miliar di tahun 2019 atau billion in 2019 or growing by 599.27%. The increase
tumbuh 599,27%. Peningkatan tersebut seiring was in line with the condition of Indonesia's
dengan kondisi pasar keuangan surat berharga securities financial markets which strengthened in
Indonesia yang menguat seiring dengan line with the decline in the BI 7 Day Reverse Repo
penurunan suku bunga acuan BI 7 Day Reverse Rate interest rate. Bond prices during 2019 tended
Repo Rate. Harga obligasi sepanjang tahun 2019 to weaken as a result of the uncertain global
cenderung melemah akibat dari faktor kondisi
ekonomi global yg tidak menentu, sehingga economic conditions, so that securities transactions
transaksi surat berharga lebih memanfaatkan took more advantage of the momentum to obtain
momentum untuk memperoleh surat berharga securities with high yields.
dengan tingkat imbal hasil yang tinggi.
Divisi Treasury telah mengadakan pelatihan The Treasury Division has conducted training on
mengenai bjb TIP FX dan treasury product kepada bjb TIP FX and treasury products for Company
karyawan-karyawati Perseroan khususnya employees, especially the foreign exchange branch,
Cabang Devisa sehingga diharapkan dapat so that it is expected to increase understanding
meningkatkan pemahaman dalam memasarkan in marketing treasury products, especially foreign
produk treasury khususnya transaksi valuta exchange transactions for foreign exchange
asing bagi cabang devisa. Divisi Treasury juga branches. The Treasury Division has also conducted
telah melakukan sosialisasi mengenai Hedging socialization regarding Hedging instruments to
instruments kepada Cabang Devisa yang the Foreign Exchange Branch which is expected
diharapkan dapat membantu nasabah dalam to assist customers in managing exchange rate
mengelola risiko nilai tukar dan juga suku and interest rate risks such as FX Forward, FX
bunga seperti FX Forward, FX Swaps, Interest Swaps, Interest Rate Swaps and Cross Currency
Rate Swaps dan Cross Currency Swaps mengingat Swaps given the potential demand for hedging
potensi permintaan untuk melakukan transaksi transactions (hedging), especially from corporate
lindung nilai (hedging), khususnya dari nasabah and SOE customers that are quite high in the
korporasi dan BUMN yang cukup tinggi di pasar. market.
Selain itu, Divisi Treasury juga diundang oleh In addition, the Treasury Division was also invited
Bank Indonesia dalam pembahasan pasar valas by Bank Indonesia to discuss the domestic foreign
domestik dan diminta berperan aktif dalam exchange market and was asked to play an active
lelang swap USD terhadap Rupiah dan major role in the auction swap of the USD against the
currency terhadap Rupiah. Hal ini dilakukan IDR and the major currency against the IDR. This
untuk meningkatkan likuiditas dan aktivitas was done to increase liquidity and money market
pasar uang di Indonesia. activities in Indonesia.
2.453,64
1.965,41
1.062,98
Transaksi forex tahun 2019 mencapai USD2,45 Forex transactions in 2019 reached USD2.45
miliar, meningkat 24,84% atau USD488,23 billion, an increase of 24.84% or USD488.23 million
juta dibandingkan dengan tahun 2018 yang compared to 2018 which reached USDUSD.96
mencapai RpUSD1,96 miliar. Kenaikan volume billion. The increase in the volume of forex
transaksi forex dipicu oleh perubahan suku transactions was triggered by gradual changes
bunga Fed Rate secara gradual, sehingga in the Fed Rate, giving the Treasury Division the
memberikan kesempatan Divisi Treasury untuk opportunity to make larger foreign exchange
melakukan transaksi valas lebih besar, baik transactions, both for banks and customers.
terhadap bank maupun nasabah.
Faktor Pendukung dan Penghambat Bisnis Supporting and Inhibiting Factors Of Treasury
Treasury Business
Tahun 2019 merupakan periode yang cukup 2019 was a challenging period in the financial
menantang di pasar keuangan. Hal ini market. This is due to external factors globally that
dikarenakan faktor eksternal secara global yang suppress economic conditions in Indonesia, such
menekan kondisi perekonomian di Indonesia, as the tension of trade war between the US and
seperti adanya ketegangan perang dagang China, economic conditions that are still in the
antara AS dan China, kondisi ekonomi yang stage of improvement and the potential and market
masih dalam tahap perbaikan serta potensi dan expectations of a decline in US benchmark interest
ekspektasi pasar terhadap penurunan suku rates, an aggressive Fed Rate. The Indonesian
bunga acuan AS, Fed Rate yang agresif. Pasar Financial Market, especially the domestic bond
Keuangan Indonesia, terutama pasar obligasi market with the largest ownership owned by
domestik yang kepemilikan terbesar dimiliki oleh foreign investors, will be colored by sentiment
investor asing, akan lebih diwarnai sentimen from the US such as employment data that is
dari AS seperti data ketenagakerjaan yang projected to improve and US inflation rates that
diproyeksi membaik dan tingkat inflasi AS yang match the expectations of global investors. This is
sesuai harapan investor global. Hal ini menjadi a major challenge in making market decisions and
tantangan utama dalam mengambil keputusan strategies that will affect the domestic market.
dan strategi pasar yang akan berpengaruh
kepada pasar domestik.
Namun, untuk kondisi pasar keuangan di However, the condition of the financial markets in
Indonesia dirasakan cukup stabil karena hal Indonesia is felt to be quite stable because this is
ini dipengaruhi oleh kebijakan penggunaan influenced by the policy of using IDR in Indonesia
uang Rupiah di wilayah Indonesia yang berhasil that has been successfully implemented. Hence, the
diterapkan. Sehingga kurs Rupiah terhadap IDR exchange rate against the United States Dollar
Dollar Amerika Serikat tidak mengalami does not experience a very significant weakening
pelemahan yang sangat signifikan dibandingkan compared to other Emerging Markets. Meanwhile
Emerging Market lainnya. Sementara itu untuk for customers' foreign exchange transactions, the
transaksi valuta asing nasabah, Divisi Treasury Treasury Division facilitates them in the TIP FX bjb
memfasilitasinya dalam sistem bjb TIP FX. Hal system. This was done to meet the pricing needs of
itu dilakukan untuk memenuhi kebutuhan customers in real time.
pricing bagi nasabah secara real time.
Pada tahun 2020 mendatang, berbagai faktor In 2020, various factors that can move financial
yang dapat menggerakkan pasar keuangan markets, among others, from the domestic
antara lain dari pasar domestik perlu dicermati market need to be monitored by the development
perkembangan neraca perdagangan dan tingkat of the trade balance and the inflation rate,
inflasi, sementara itu tantangan utama dari while the main challenges of the global market
pasar global antara lain tensi perang dagang include the tension of trade war between the
antara AS dan China yang dikhawatirkan masih US and China which is still feared to be high
tinggi pada tahun 2020, serta potensi perubahan in 2020, and the potential for changes in the
suku bunga The Fed. Menghadapi tantangan Fed's interest rates. Facing the challenges of the
pasar uang tersebut, Divisi Treasury senantiasa money market, the Treasury Division constantly
melakukan analisa dan menerapkan strategi agar analyzes and implements strategies to keep pace
sejalan dengan perkembangan pasar dengan with market developments while maintaining
tetap menjaga likuiditas bank dan optimalisasi bank liquidity and optimizing revenue through
pendapatan melalui transaksi treasury. Divisi treasury transactions. The Treasury Division
Treasury akan terus mengembangkan produk will continue to develop products and services
dan layanan untuk mengakomodir kebutuhan to better accommodate customer needs.
nasabah dengan lebih baik. Strategi Utama The main strategy of the Treasury Division
Divisi Treasury tahun 2020 yaitu Pengembangan in 2020 is the development of retail treasury
retail bisnis treasury khususnya penjualan Bonds business, especially the sale of retail Bonds
retail kepada Nasabah, mendorong peningkatan to Customers, encouraging increased revenue
pendapatan melalui jasa layanan Kustodian dan through Custodian and Trustee services, and
Wali Amanat, dan enhancement yield instrument enhancement of treasury yield instruments while
treasury dengan tetap memperhatikan risiko taking into account market risks.
pasar.
Dana Pensiun Lembaga Keuangan (DPLK) Pension Funds Financial Institutions (DPLK) Bank
bank bjb bjb
Kegiatan utama DPLK bjb adalah menghimpun The main activity of the DPLK bjb is to collect public
dana masyarakat dan mengelola kekayaan Dana funds and manage the wealth of the Pension Funds
Pensiun Lembaga Keuangan dengan investasi of Financial Institutions with investments according
sesuai paket pilihan yang dipilih peserta. to the chosen package of participants.
Pengembangan Produk dan Layanan DPLK DPLK Product Development And Services
DPLK Smart bjb merupakan sistem teknologi Smart DPLK bjb is an information technology
informasi yang digunakan DPLK bank bjb system used by DPLK bank bjb in the service of its
dalam pelayanan kepada pesertanya. Sistem participants. This system already has an application
ini telah memiliki arsitektur aplikasi, informasi, architecture, information, infrastructure and
infrastruktur dan keamanan sistem, serta system security, and is run with governance in
dijalankan dengan tata kelola sesuai dengan accordance with industry standards. Information
standar industri. Teknologi informasi telah technology has become a key business enabler
menjadi key business enabler bagi Perseroan. for the Company. Since it was launched in March
Sejak diluncurkan pada bulan Maret 2017 2017 the Smart bjb application has continued to
aplikasi bjb Smart bjb terus dikembangkan be developed in order to develop DPLK services to
dalam rangka pengembangan layanan DPLK participants and in March 2018 DPLK transactions
kepada peserta dan pada bulan maret 2018 can be accessed through a shared atm network,
transaksi DPLK sudah dapat di akses melalui bjb net and bjb sms and bjb DPLK features can be
jaringan atm bersama, bjb net dan bjb sms dan accessed through bjb digi.
fitur bjb DPLK sudah dapat di akses melalui bjb
digi.
Pada aplikasi bjb digi dapat dilakukan In the bjb digi application, you can check
pengecekan saldo DPLK peserta dan setoran participants' DPLK balances and live time transfer
DPLK live time transfer. Seperti contoh sebagai DPLK deposits. Like the example as follows.
berikut.
Dana kelolaan DPLK bank bjb tahun 2019 Funds under management of bank bjb DPL in 2019
mencapai Rp690,25 miliar, tumbuh Rp541,6 reached IDR690.25 billion, grew IDR541.6 billion
miliar atau 364,52% dibandingkan tahun 2018 or 364.52% compared to 2018 which reached
yang mencapai Rp522,09 miliar. Pertumbuhan IDR522.09 billion. This growth is in line with the
tersebut sejalan dengan kenaikan jumlah increase in the number of DPLK participants in
peserta DPLK di tahun 2019. 2019.
Total penarikan dana peserta yang terjadi Total withdrawal of participant funds that occurred
selama tahun 2019 adalah sebesar RP71,4 during 2019 was IDR71.4 billion consisting of
miliar yang terdiri dari transaksi pencairan/ transaction disbursement / payment of participant
pembayaran manfaat pensiun peserta sebesar pension benefits amounting to IDR61.2 billion and
Rp61,2 miliar dan transaksi penarikan iuran participant fee withdrawal transactions amounting
peserta sebesar Rp 9,5 miliar. Jumlah ini to IDR9.5 billion. This amount increased by
meningkat sebesar Rp61,2 miliar atau 600% IDR61.2 billion or 600% from the same period
dari periode yang sama di tahun 2014 pada saat in 2014 at that time amounting to IDR8.6 billion
itu sebesar Rp8,6 miliar transaksi pencairan dan in withdrawal transactions and IDR1.6 billion in
Rp1,6 miliar transaksi penarikan. withdrawal transactions.
Jumlah Peserta DPLK tahun 2019 mencapai The number of DPLK participants in 2019
70,057 peserta, tumbuh 8.012 peserta atau reached 70,057 participants, growing by 8,012
12,91% dibandingkan dengan tahun 2018 yang participants or 12.91% compared to 2018 which
mencapai 62.045 peserta. Jumlah Peserta baru reached 62,045 participants. The number of new
yang masuk di tahun 2019 adalah sebanyak participants who entered in 2019 was 11,113
11,113 orang dengan jumlah fresh fund yang people with a total fresh fund collected of IDR74.5
dikumpulkan sebanyak Rp74,5 miliar. Adapun billion. The number of participants who were paid
Jumlah Peserta yang dibayarkan manfaat their pension benefits was 3,482.
pensiunnya adalah sebanyak 3,482.
Tabel Komposisi Peserta DPLK
Table of DPLK Participant Composition dalam satuan peserta
(in participant units)
Pertumbuhan
2019 2018
Growth
Uraian Description
(peserta) (peserta) (peserta)
(%) (%) (%)
(people) (people) (people)
Pemberi Kerja Employers 24,332 34.73% 20,349 32.80% 3,983 19.57%
bjb bjb 6,500 9.28% 6,542 10.54% (42) (0.64%)
bjb Syariah bjb Syaria 747 1.07% 791 1.27% (44) (5.56%)
Individu Individual 38,478 54.92% 34,363 55.38% 4,115 11.98%
Total Peserta Total Participants 70,057 100.00% 62,045 100.00% 8,012 12.91%
20.349 24.332
6.542 6.500
791 747
70.057
80.000
62.045
70.000 59.052
60.000 51.161
50.000 37.743 40.383
40.000
30.000
Peserta
20.000
10.000
2014 2015 2016 2017 2018 2019
Jumlah fee based yang diperoleh selama tahun The total fee-based amount obtained during 2019
2019 ini adalah sebesar Rp5,7 miliar yang was IDR5.7 billion, which came from a monthly
berasal dari fee administrasi bulanan sebesar administrative fee of IDR42.9 million and a
Rp42,9 juta dan fee transaksi penarikan Rp5,9 withdrawal transaction fee of IDR5.9 million and
juta dan pencairan Rp3,0 jt, fee pengelolaan disbursement of IDR3.0 million, a management fee
sebesar Rp5,6 miliar. Jumlah ini meningkat of IDR5.6 billion. This amount increased by IDR4.3
sebesar Rp4,3 miliar atau 327% dari fee based billion or 327% from fee-based for the same period
periode yang sama tahun 2014 yang sebesar in 2014 which amounted to IDR1.3 billion.
Rp1,3 miliar.
5.000.000 5.705.004
3.292.779 5.278.061
4.000.000
2.831.360
3.000.000
1.975.500
2.000.000 1.337.349
1.000.000
-
2014 2015 2016 2017 2018 2019
Realiasi pencapaian dana kelolaan DPLK per Realization of the achievement of DPLK managed
Desember 2019 sebesar Rp690,2 miliar lebih funds as of December 2019 was IDR690.2 billion,
besar dari target goal setting tahun 2019 yang greater than the 2019 goal setting target set at
ditetapkan sebesar Rp625,2 miliar. IDR625.2 billion.
Tabel Goal Setting dibandingkan Realisasi Dana Kelolaan DPLK (dalam Rupiah penuh)
Goal Setting Table compared to Realization of Funds under Management of DPLK (in full IDR)
700.000.000.000
690.000.000.000
690.245.819.994
680.000.000.000
670.000.000.000
660.000.000.000
650.000.000.000
640.000.000.000 625.273.899.335
630.000.000.000
620.000.000.000
610.000.000.000
600.000.000.000
590.000.000.000
Goal Setting December 2018 Goal Setting December 2019
Pada tahun 2019, total iuran pensiun dari In 2019, total pension contributions from
individu tercatat sebesar Rp205,6 miliar, naik individuals were recorded at IDR205.6 billion, up
336.27% jika dibandingkan dengan Iuran 336.27% when compared to pension contributions
Pensiun dari individu pada 2014 sebesar Rp47,1 from individuals in 2014 of IDR47.1 billion. This
miliar. Peningkatan tersebut karena adanya increase is due to the growth of participants in
pertumbuhan peserta di tahun 2019. 2019.
Faktor Pendukung dan Penghambat Bisnis Factors For Supporting And Inhibiting Of
DPLK DPLK Businesses
Belum tingginya kesadaran para pekerja The lack of awareness among workers in preparing
dalam menyiapkan kesejahteraan hari for their old age is a challenge for DPLK bank bjb
tuanya merupakan tantangan bagi DPLK in marketing their products. The application of
bank bjb dalam memasarkan produknya. government regulations related to the company's
Penerapan Peraturan pemerintah terkait obligation to include its employees in the BPJS
dengan kewajiban perusahaan untuk employment program also influenced the growth
mengikutsertakan karyawannya dalam program of the bank bjb DPLK managed funds. The
BPJS ketenagakerjaan turut mempengaruhi limited budget allocation available makes some
pertumbuhan dana kelolaan DPLK bank bjb. companies choose to prioritize obligations to meet
Keterbatasan alokasi anggaran perusahaan government regulations.
yang tersedia membuat beberapa perusahaan
memilih untuk mengutamakan kewajiban untuk
memenuhi ketentuan peraturan pemerintah.
Besarnya captive market Perseroan dalam sektor The large captive market of the Company in the
retail dan konsumer merupakan satu peluang retail and consumer sectors is a potential market
potensi market yang dapat dioptimalkan opportunity that can be optimized to increase the
untuk meningkatkan dana kelolaan DPLK bank funds managed by the bank bjb DPLK. Literacy
bjb. Pelaksanaan literasi dan edukasi yang and education is carried out on an ongoing basis
dilakukan secara berkelanjutan diharapkan is expected to increase public awareness, especially
dapat meningkatkan kesadaran masyarakat Company customers to prepare their old age
terutama nasabah Perseroan untuk menyiapkan welfare through DPLK.
kesejahteraan hari tuanya melalui DPLK.
Perluasan manfaat pensiun dan penerapan The expansion of pension benefits and the adoption
POJK No. 3 tahun 2017 tentang iuran dan of POJK No. 3 of 2017 concerning contributions and
manfaat lain pensiun merupakan peluang lain other benefits of retirement are other opportunities
yang dapat dimanfaatkan DPLK bank bjb untuk that can be utilized by bank bjb DPLK to increase
meningkatkan dana kelolaan DPLK dan jumlah DPLK managed funds and the number of DPLK
peserta DPLK di tahun-tahun mendatang. participants in the coming years.
Rencana dan Strategi Pemasaran DPLK DPLK Marketing Plan And Strategy For 2020
Tahun 2020
Rencana kegiatan usaha DPLK bjb sesuai bjb DPLK business activity plan in accordance
dengan Undang-Undang dan peraturan yang with the applicable laws and regulations consists
berlaku terdiri dari kegiatan pemumpulan iuran of collecting contributions from participants,
peserta, penerimaan dana pengalihan dari dana receiving funds transferred from pension funds
pensiun atau DPLK lainnya, mengalihkan dana or other DPLKs, transferring participants' funds
peserta ke DPLK lainnya, pengembangan dana to other DPLKs, developing investment funds
investasi dan penarikan iuran oleh peserta, and withdrawing contributions by participants,
dan pembayaran manfaat pensiun kepada and payment of benefits retire to participants.
peserta. Strategi peningkatan dana DPLK The strategy to increase DPLK funds requires a
diperlukan strategi pemasaran dengan tujuan marketing strategy with the aim of increasing the
meningkatkan brand awareness DPLK bank bank bjb DPLK brand awareness in order to be
bjb agar semakin dikenal masyarakat melalui increasingly recognized by the public through the
kegiatan sebagai berikut: following activities:
1. Melakukan pemasaran aktif untuk 1. Conducting active marketing to expand the
memperluas pasar melalui literasi dan market through literacy and education as well
edukasi serta terlibat langsung dalam as being directly involved in the Financial Access
program percepatan akses Keuangan. acceleration program.
2. Melakukan aliansi bersama unit bisnis lain 2. Carry out alliances with other business units and
dan menjadikan produk DPLK sebagai salah make the DPLK product one of the Company
satu rantai produk Perseroan. product chains.
3. Meningkatkan brand awareness dengan 3. Increase brand awareness by having a call
memiliki call name bagi produk DPLK bank name for BPL bank bjb DPLK products.
bjb.
4. Pengembangan sistem informasi yang 4. Development of information systems that
memberikan kemudahan dalam layanan provide convenience in DPLK services.
DPLK.
Pertumbuhan 2018-2019
2019 2018
Growth of 2018-2019
Uraian Description
Konvensional Syariah Eliminasi Konvensional Syariah Eliminasi Konvensional Syariah Eliminasi
Total Total Total
Conventional Sharia Elimination Conventional Sharia Elimination Conventional Sharia Elimination
Pendapatan
Segment revenue 11,425,305 683,006 16,881 12,091,430 11,251,604 669,657 (7,052) 11,914,209 1.54% 1.99% (339.38%) 1.49%
segmen
Segment
Beban segmen (5,700,731) (324,810) (16,617) (6,008,924) (5,111,894) (310,336) 7,052 (5,415,178) 11.52% 4.66% (335.64%) 10.96%
expenses
Pendapatan
Segment
Segmen - 5,724,575 358,196 264 6,082,506 6,139,710 359,321 - 6,499,031 (6.76%) (0.31%) - (6.41%)
Revenues - net
neto
Pendapatan
Other operating
operasional 999,072 15,631 - 1,014,703 922,256 12,208 - 934,464 8.33% 28.05% - 8.59%
revenues
lainnya
Penyisihan Allowance for
kerugian impairment
penurunan losses on
(334,242) 12,405 - (321,837) (536,356) 19,096 - (517,260) (37.68%) (35.04%) - (37.78%)
nilai atas aset financial and
keuangan dan non-financial
non keuangan assets
Pemulihan Reversal of losses
kerugian on commitments
- (149) - (149) - 1,504 - 1,504 - (109.91%) - (109.91%)
komitmen dan and
kontinjensi contingencies
Beban
Other operating
operasional (4,370,313) (345,417) - (4,715,730) (4,502,394) (356,948) - (4,859,342) (2.93%) (3.23%) - (2.96%)
expenses
lainnya
Laba Operational
2,019,091 40,666 264 2,059,493 2,023,216 35,181 - 2,058,397 (0.20%) 15.59% - 0.05%
operasional revenues
Pendapatan
Non-Operating
(Beban) Bukan
Income (81,965) 1,808 (1,375) (81,531) (120,316) 1,906 (2,943) (121,353) (31.88%) (5.14%) (53.28%) (32.82%)
Operasional
(Expenses) - net
– neto
Beban pajak Tax expenses
(366,359) (27,075) - (413,470) (364,459) (20,189) - (384,648) 0.52% 34.11% - 7.49%
– neto - net
Laba (Rugi)
Profit and (Loss)
tahun 1,550,731 15,399 (1,111) 1,564,492 1,538,441 16,898 (2,943) 1,552,396 0.80% (8.87%) (62.25%) 0.78%
for the year
berjalan
Total aset Total Asset 117,508,349 7,723,201 (1,695,076) 123,536,474 115,092,106 6,741,448 (1,642,167) 120,191,387 2.10% 14.56% 3.22% 2.78%
Total pendapatan segmen tahun 2019 Total segment revenue in 2019 reached
mencapai Rp12.091.430 juta, meningkat IDR12,091,430 million, an increase of 1.49%
1,49% dbandingkan dengan tahun 2018 yang compared to 2018 which reached IDR11,914,209
mencapai Rp11.914.209 juta. Peningkatan million. The increase in revenue is the result
pendapatan merupakan hasil dari penerapan of applying the right strategy carried out by
strategi yang tepat yang dilakukan oleh conventional and sharia business segments.
segmen usaha konvensional dan syariah. Likewise, profitability reflected in the profit and
Demikian pula dengan profitabilitas yang loss for the year 2019 reached IDR1,564,492
tercermin dari laba rugi tahun berjalan tahun million, an increase of 0.78% compared to 2018
2019 mencapai Rp1.564.492 juta meningkat which reached IDR1,552,396 million. The increase
0,78% dibandingkan dengan tahun 2018 yang in business segment revenue is in line with the
mencapai Rp1.552.396 juta. Peningkatan increase in profitability generated.
pendapatan segmen usaha sejalan dengan
peningkatan profitabilitas yang dihasilkan.
Pertumbuhan
2019 2018
Growth
Uraian Description
(Rp) (Rp) (Rp)
(%)
(IDR) (IDR) (IDR)
Aset Assets 7,741,409 6,741,449 999,960 14.83%
Penghimpunan Dana Fund management
DPK DPK 5,788,150 5,182,147 606,003 11.69%
Giro Current accounts 500,763 497,034 3,729 0.75%
Tabungan Savings 1,146,437 1,010,116 136,321 13.50%
Deposito Deposits 4,140,950 3,674,997 465,953 12.68%
Penyaluran Dana Fund Disbursement
Pembiayaan Funding 5,415,664 4,658,962 756,402 16.25%
Piutang Murabahah Murabahah Receivables 3,601,625 3,312,571 289,054 8.73%
Piutang Istishna Istishna Receivables 2,828 4,104 (1,276) (31.09%)
Piutang Qardh Qardh Receivables 78,570 67,040 11,530 17.20%
Musyarakah dan Mudharabah Musyarakah and Mudharabah 1,719,093 1,258,276 460,817 36.62%
Ijarah Ijarah 13,248 16,971 (3,123) (18.40%)
Laba/Rugi Sebelum Pajak Profit/Loss Before Tax 42,097 37,085 5,012 13.51%
Volume usaha bjb Syariah pada tahun 2019 The bjb Syariah business volume in 2019
mengalami pertumbuhan positif. Hal ini experienced positive growth. This is reflected in
tercermin dari peningkatan aset sebesar the increase in assets by 14.83% or IDR999,960
14,83% atau Rp999.960 juta dari Rp6.741.449 million from IDR6,741,449 million in 2018 to
juta di tahun 2018 menjadi Rp7.741.409 juta IDR7,741,409 million in 2019 with the achievement
di tahun 2019 dengan pencapaian terhadap of the 2019 RBB target of 109.07% from the target
target RBB 2019 sebesar 109,07% dari target of IDR7,097,982 million.
Rp7.097.982 juta.
Pembiayaan bjb Syariah tahun 2019 mencapai Sharia bjb financing in 2019 reached IDR5,415,664
Rp5.415.664 juta meningkat 16,25% atau million, an increase of 16.25% or IDR756,402
Rp756.402 juta dibandingkan dengan tahun million compared to 2018 which reached
2018 yang mencapai Rp4.658.962 juta dengan IDR4,658,962 million with the achievement of
pencapaian terhadap target RBB 2019 adalah the 2019 RBB target of 105.67% of the target of
sebesar 105,67% dari target Rp5.124.779 juta. IDR5,124,779 million.
Dana pihak ketiga bjb Syariah mengalami The third-party bjb Syariah funds increased by
peningkatan sebesar 11,69% atau Rp606.003 11.69% or IDR606,003 million from IDR5,182,147
juta dari Rp5.182.147 juta di tahun 2018 million in 2018 to IDR5,788,150 million in 2019.
menjadi Rp5.788.150 juta di tahun 2019. Hal This was influenced by an increase in all posts,
ini dipengaruhi oleh kenaikan dari seluruh pos namely demand deposits of IDR3,729 million
yaitu giro sebesar Rp3.729 juta atau 0,75%, or 0.75%, savings in the amount of IDR136,321
tabungan sebesar Rp136.321 juta dan deposito million and deposits in the amount of IDR465,953
sebesar Rp465.953 juta atau 12,68%. million or 12.68%.
bjb Syariah dapat membukukan laba/rugi bjb Sharia can record profit / loss before tax in
sebelum pajak tahun 2019 sebesar Rp42.097 2019 amounting to IDR42,097 million, an increase
juta mengalami peningkatan sebesar Rp5.012 of IDR5,012 million or 13.51% compared to 2018
juta atau 13,51% dibandingkan tahun 2018 of IDR37,085 million.
sebesar Rp37.085 juta.
Pertumbuhan
2019 2018
Growth
Uraian Description
(Rp) (Rp) (Rp)
(%)
(IDR) (IDR) (IDR)
Aset Assets 246,214,927 221,479,379 24,735,548 11.17%
Penyaluran Dana: Fund Disbursement 237,316,284 215,172,894 22,143,391 10.29%
Total ABA Total ABA 21,809,678 18,946,573 2,863,105 15.11%
Total Kredit Total Loans 215,506,606 196,226,320 19,280,286 9.83%
Sumber Dana: Fund Sources 210,095,182 187,767,032 22,328,150 11.89%
Dana Pihak Ketiga Third-parties Fund 102,195,976 94,129,798 8,066,178 8.57%
Tabungan Savings 52,062,626 49,139,498 2,923,128 5.95%
Deposito Deposits 50,133,350 44,990,300 5,143,050 11.43%
Simpanan Bank Lain Other Bank Deposits 50,179,000 29,450,000 20,729,000 70.39%
Pinjaman yang Diterima Received Loans 57,720,205 64,187,233 (6,467,028) (10.08%)
Modal Disetor Paid-up capital 24,302,455 24,302,455 - 0.00%
Laba/Rugi Tahun Berjalan Profit/Loss of the current year 4,611,586 3,858,859 752,727 19.51%
Volume usaha PT BPR Intan Jabar pada tahun The business volume of PT BPR Intan Jabar in 2019
2019 mengalami pertumbuhan positif. Hal experienced positive growth. This is reflected in the
ini tercermin dari peningkatan aset sebesar increase in assets by 11.17% or IDR24,736 million
11,17% atau Rp24.736 juta dari Rp221.479 juta from IDR221,479 million in 2018 to IDR246,215
di tahun 2018 menjadi Rp246.215 juta dengan million with the achievement of the 2019 RBB
pencapaian terhadap target RBB 2019 sebesar target of 103.63%.
103,63%.
Kredit yang disalurkan oleh PT BPR Intan Loans disbursed by PT BPR Intan Jabar reached
Jabar mencapai Rp215.507 juta di tahun IDR215,507 million in 2019, an increase of
2019, meningkat Rp19.280 juta atau IDR19,280 million or 9.83% compared to 2018
9,83% dibandingkan dengan tahun 2018 which reached IDR196,226 million with its
yang mencapai Rp196.226 juta dengan achievement of the 2019 RBB target of 100.58%.
pencapaiannya terhadap target RBB 2019
adalah sebesar 100,58%.
Dana pihak ketiga PT BPR Intan Jabar PT BPR Intan Jabar’s third party funds increased by
mengalami peningkatan sebesar 8,57% atau 8.57% or IDR8,066 million from IDR94,130 million
Rp8.066 juta dari Rp94.130 juta di tahun 2018 in 2018 to IDR102,196 million in 2019 with its
menjadi Rp102.196 juta di tahun 2019 dengan achievement of the 2019 RBB target of 91.48%.
pencapaiannya terhadap target RBB 2019
adalah sebesar 91,48%.
PT BPR Intan Jabar dapat membukukan laba/ PT BPR Intan Jabar could book a profit / loss before
rugi sebelum pajak tahun 2019 sebesar Rp4.612 tax in 2019 of IDR4,612 million, an increase of
juta mengalami peningkatan sebesar Rp753 juta IDR753 million or 19.51% compared to 2018 of
atau 19,51% dibandingkan tahun 2018 sebesar IDR3,859 million.
Rp3.859 juta.
Pertumbuhan
2019 2018
Growth
Uraian Description
(Rp) (Rp) (Rp)
(%)
(IDR) (IDR) (IDR)
Aset Assets 264,128,109 280,438,446 (16,310,336) (5.82%)
Penyaluran Dana: Fund Disbursement 274,689,331 286,639,915 (11,950,584) (4.17%)
Total ABA Total ABA 55,353,903 49,930,621 5,423,282 10.86%
Total Kredit Total Loans 219,335,428 236,709,294 (17,373,866) (7.34%)
Sumber Dana: Fund Sources 231,007,387 248,141,128 (17,133,740) (6.90%)
Dana Pihak Ketiga Third-parties Fund 150,280,888 144,493,719 5,787,169 4.01%
Tabungan Savings 59,024,838 59,908,369 (883,531) (1.47%)
Deposito Deposits 91,256,050 84,585,350 6,670,700 7.89%
Simpanan Bank Lain Other Bank Deposits 24,870,000 12,420,000 12,450,000 100.24%
Pinjaman yang Diterima Received Loans 55,856,499 91,227,409 (35,370,910) (38.77%)
Modal Disetor Paid-up capital 20,948,650 20,948,650 - 0.00%
Laba/Rugi Tahun Berjalan Profit/Loss of the current year 3,526,537 3,347,633 178,904 5.34%
Aset PT BPR Karya Utama Jabar tahun 2019 The assets of PT BPR Karya Utama Jabar in 2019
mencapai Rp264.128 juta, mengalami reached IDR264,128 million, experiencing a
pertumbuhan negatif sebesar 5,82% atau negative growth of 5.82% or IDR16,310 million
Rp16.310 juta dibandingkan dengan tahun compared to 2018 which reached IDR280,438
2018 yang mencapai Rp280.438 juta dengan million with the achievement of the 2019 RBB
pencapaian terhadap target RBB 2019 sebesar target of 96.05%.
96,05%.
Kredit yang disalurkan PT BPR Karya Utama Jabar Loans disbursed by PT BPR Karya Utama Jabar
juga mengalami pertumbuhan negatif sebesar also experienced negative growth of 7.34% or
7,34% atau Rp17.374 juta dari Rp236.709 juta IDR17,374 million from IDR236,709 million in 2018
di tahun 2018 menjadi Rp219,335 juta di tahun to IDR219,335 million in 2019 with its achievement
2019 dengan pencapaiannya terhadap target of the 2019 RBB target of 86.62% .
RBB 2019 adalah sebesar 86,62%.
Dana pihak ketiga PT BPR Karya Utama Jabar PT BPR Karya Utama Jabar’s third party funds in
tahun 2019 mencapai Rp150.281 juta meningkat 2019 reached IDR150,281 million, an increase
4,01% atau Rp5.787 juta dibandingkan dengan of 4.01% or IDR5,787 million compared to 2018
tahun 2018 yang mencapai Rp144.494 juta. Hal which reached IDR144,494 million. This was
ini dipengaruhi oleh kenaikan dari pos deposito influenced by an increase in the postal deposit
sebesar Rp6.671 juta atau 7,89%. amounting to IDR6,671 million or 7.89%.
PT BPR Karya Utama Jabar dapat membukukan PT BPR Karya Utama Jabar can book a profit / loss
laba/rugi sebelum pajak tahun 2019 sebesar before tax in 2019 of IDR3,527 million, an increase
Rp3.527 juta mengalami peningkatan sebesar of IDR179 million or 5.34% compared to 2018 of
Rp179 juta atau 5,34% dibandingkan tahun IDR3,348 million.
2018 sebesar Rp3.348 juta.
Pertumbuhan |Growth
Uraian Description 2019 2018
Rp | IDR %
(1) (1) (2) (3) (4) = (2)-(3) (5) = (4)/(3)
ASET ASSETS
Kas Cash 3,160,771 2,929,207 231,564 7.91%
Giro pada Bank Indonesia Current accounts with Bank Indonesia 6,512,341 9,981,495 (3,469,154) (34.76%)
Giro pada Bank Lain - Pihak ketiga Current Accounts with Other Banks - Third parties 535,268 611,796 (76,528) (12.51%)
Cadangan kerugian penurunan nilai Allowance for Impairment Losses (66) (72) 6 (8.33%)
535,202 611,724 (76,522) (12.51%)
Penempatan pada Bank Indonesia dan bank Placements with Bank Indonesia and other banks
7,919,924 9,731,163 (1,811,239) (18.61%)
lain - pihak ketiga - third parties
Cadangan kerugian penurunan nilai Allowance for Impairment Losses (2,193) (4.351) 2,158 (49.60%)
7,917,731 9,726,812 (1,809,081) (18.60%)
Tagihan derivatif Derivative Claims - 76 (76) (100,00%)
Surat berharga - pihak ketiga Marketable securities - third parties 8,855,293 8,617,220 238,073 2.76%
Marketable securities sold under repurchase
Efek-efek yang dibeli dengan janji dijual kembali 3,162,245 2,815,800 346,445 12.30%
agreement
Wesel ekspor dan tagihan lainnya - pihak ketiga Export bills and other bills - third parties 908,060 798,117 109,943 13.78%
Kredit yang diberikan Loans
- Pihak berelasi - Related parties 261,564 156,432 (560,261) (68.17%)
- Pihak ketiga - Third parties 81,625,682 75,193,417 7,097,658 9.52%
81,887,246 75,349,849 6,537,397 8.68%
Cadangan kerugian penurunan nilai Allowance for Impairment Losses (705,300) (646,522) (58,778) 9.09%
81,181,946 74,703,327 6,478,619 8.67%
Pembiayaan dan piutang syariah - setelah Sharia financing and receivables - after deducted
5,402,059 4,641,938 760,121 16.38%
dikurangi margin ditangguhkan - pihak ketiga with deferred margins - third parties
Cadangan kerugian penurunan nilai Allowance for Impairment Losses (131,102) (139,053) 7,951 (5.72%)
5,270,957 4,502,885 768,072 17.06%
Tagihan akseptasi Acceptance Receivables 156,084 82,379 73,705 89.47%
Penyertaan saham Investment in shares 42,124 42,124 0 0.00%
Cadangan kerugian penurunan nilai Allowance for Impairment Losses (1,303) (1,303) 0 0.00%
40,821 40,821 0 0.00%
Aset tetap Fixed asset
Harga perolehan Acquisition cost 4,609,769 4,363,927 245,842 5.63%
Akumulasi penyusutan Accumulated depreciation (1,265,544) (1,092,176) (173,368) 15.87%
Nilai buku Book value 3,344,225 3,271,751 72,474 2.22%
Aset pajak tangguhan - neto Deferred tax assets - net 128,113 155,680 (27,567) (17.71%)
Bunga yang masih akan diterima Receivables Accrued Interest 650,516 621,430 29,086 4.68%
Aset lain-lain - neto Other assets - net 1.712.169 1,332,663 379,506 28.48%
TOTAL ASET TOTAL ASSETS 123.536.474 120,191,387 3,345,087 2.78%
LIABILITAS, DANA SYIRKAH TEMPORER DAN LIABILITIES, TEMPORARY SYIRKAH FUNDS AND
EKUITAS EQUITY
LIABILITAS LIABILITIES
Liabilitas segera Obligations due immediately 1,816,918 1,488,621 328,297 22.05%
Simpanan nasabah Deposits from customers
- Pihak berelasi - Related parties 12,981,014 13,230,691 (249,677) (1.89%)
- Pihak ketiga - Third parties 70,583,379 68,590,293 1,993,086 2.91%
83,564,393 81,820,984 1,743,409 2.13%
Simpanan nasabah - Syariah Deposits from customers - Sharia
Pertumbuhan |Growth
Uraian Description 2019 2018
Rp | IDR %
(1) (1) (2) (3) (4) = (2)-(3) (5) = (4)/(3)
105,92
104,04
11,29 12,04
Aset Assets
Aset tahun 2019 mencapai Rp123.536.474 Assets in 2019 reached IDR123,536,474 million,
juta meningkat 2,78% dibandingkan tahun an increase of 2.78% compared to 2018 which
2018 yang mencapai Rp120.191.387 juta. reached IDR120,191,387 million. The increase
Peningkatan tersebut karena adanya was due to an increase in several productive
peningkatan pada beberapa aset produktif assets including securities - third parties, securities
diantaranya surat berharga – pihak ketiga, efek- purchased under agreements to resell, export bills
efek yang dibeli dengan janji dijual kembali, and other bills - third parties and loans granted,
Wesel ekspor dan tagihan lainnya – pihak ketiga each financial asset has increased by 2, 76%,
dan kredit yang diberikan, masing-masing aset 12.30%, 13.78% and 8.68% when compared with
keuangan tersebut mengalami peningkatan the position in 2018.
sebesar 2,76%, 12,30%, 13,78% dan 8,68% jika
dibandingkan dengan posisi pada tahun 2018.
Tabel Aset
Table of Assets dalam jutaan Rupiah
in million IDR
Pertumbuhan
Growth
Uraian Description 2019 2018
Rp
%
IDR
(1) (2) (3) (4) = (2)-(3) (5) = (4)/(3)
Pertumbuhan
Growth
Uraian Description 2019 2018
Rp
%
IDR
(1) (2) (3) (4) = (2)-(3) (5) = (4)/(3)
Wesel ekspor dan tagihan lainnya - pihak ketiga Export bills and other bills - third parties 908,060 798,117 109,943 13.78%
Kredit yang diberikan Loans
- Pihak berelasi - Related parties 261.564 156.432 (560,261) (68.17%)
- Pihak ketiga - Third parties 81.625.682 75.193.417 7,097,651 (9.52%)
81,887,246 75,349,849 6,537,397 8.68%
Cadangan kerugian penurunan nilai Allowance for Impairment Losses (705,300) (646,522) (58,778) 9.09%
81,181,946 74,703,327 6,478,619 8.67%
Pembiayaan dan piutang syariah - setelah Sharia financing and receivables - after deducted
5,402,059 4,641,938 760,121 16.38%
dikurangi margin ditangguhkan - pihak ketiga with deferred margins - third parties
Cadangan kerugian penurunan nilai Allowance for Impairment Losses (131,102) (139,053) 7,951 (5.72%)
5,270,957 4,502,885 768,072 17.06%
Tagihan akseptasi Acceptance Receivables 156,084 82,379 73,705 89.47%
Penyertaan saham Investment in shares 42,124 42,124 0 0.00%
Cadangan kerugian penurunan nilai Allowance for Impairment Losses (1,303) (1,303) 0 0.00%
40,821 40,821 0 0.00%
Aset tetap Fixed asset
Harga perolehan Acquisition cost 4,609,769 4,363,927 245,842 5.63%
Akumulasi penyusutan Accumulated depreciation (1,265,544) (1,092,176) (173,368) 15.87%
Nilai buku Book value 3,344,225 3,271,751 72,474 2.22%
Aset pajak tangguhan - neto Deferred tax assets - net 128,113 155,680 (27,567) (17.71%)
Bunga yang masih akan diterima Receivables Accrued Interest 650,516 621,430 29,086 4.68%
Aset lain-lain - neto Other assets - net 1.712.169 1,332,663 379,506 28.48%
TOTAL ASET TOTAL ASSETS 123,536,474 120,191,387 3,345,087 2.78%
Kas Cash
Kas tahun 2019 mencapai Rp3.160.771 juta Cash in 2019 reached IDR3,160,771 million,
meningkat 7,91% dibandingkan tahun 2018 an increase of 7.91% compared to 2018 which
yang mencapai Rp2.929.207 juta. Peningkatan reached IDR2,929,207 million. The increase
tersebut karena adanya peningkatan jumlah was due to an increase in IDR cash amount by
kas dalam bentuk Rupiah sebesar Rp231.956 IDR231,956 million or 7.96%. The increase in the
juta atau sebesar 7,96%. Peningkatan jumlah amount of cash is also equivalent to the existence
kas ini juga setara dengan adanya kegiatan of liquidity fulfillment activities for the benefit of
pemenuhan likuiditas untuk kepentingan Company operational activities such as fulfillment
kegiatan operasional Perseroan seperti of ATM cash, CRM cash, large cash and so on. The
pemenuhan kas ATM, kas CRM, kas besar dan Company liquidity fulfillment activities are in line
sebagainya. Kegiatan pemenuhan likuiditas with an increase in liabilities, such as customer
Perseroan sejalan dengan adanya peningkatan deposits (third party funds), deposits from other
pada sisi liabilitas seperti simpanan nasabah banks, and so on.
(dana pihak ketiga), simpanan dari bank lain,
dan sebagainya.
Tabel Kas
dalam jutaan Rupiah
Table of Cash in million IDR
Pertumbuhan
Growth
Uraian Description 2019 2018
Rp
%
IDR
(1) (1) (2) (3) (4) = (2)-(3) (5) = (4)/(3)
Pertumbuhan
Growth
Uraian Description 2019 2018
Rp
%
IDR
(1) (1) (2) (3) (4) = (2)-(3) (5) = (4)/(3)
Dolar Amerika Serikat United States Dollar 36,391 60,703 (24,312) (40.05%)
Giro pada Bank Indonesia Current accounts with Bank Indonesia 6,512,341 9,981,495 (3,469,154) (34.76%)
Giro Pada Bank Lain - Pihak Ketiga Current Accounts With Other Banks - Third Parties
Giro pada bank lain - pihak ketiga tahun 2019 Current accounts with other banks - third parties
mencapai Rp535.268 juta menurun 12,51% in 2019 reached IDR535,268 million, a decrease
dibandingkan tahun 2018 yang mencapai of 12.51% compared to 2018 which reached
Rp611.796 juta. Penurunan tersebut karena IDR611,796 million. The decrease was due to the
adanya reklasifikasi penempatan giro pada bank reclassification of current accounts with other
lain dalam bentuk valuta asing ke dalam bentuk banks in the form of foreign currencies into IDR.
mata uang Rupiah. Seperti dapat kita lihat di As we can see in the Current Accounts of Other
tabel Giro Pada Bank Lain – Pihak Ketiga bahwa Banks - Third Parties, Current Accounts in the form
Giro dalam bentuk valuta asing mengalami of foreign currencies have decreased by 24.50%
penurunan sebesar 24,50% jika dibandingkan when compared to current accounts of other
dengan giro bank lain Rupiah yang mengalami banks, which experienced an increase of 70.00%.
peningkatan sebesar 70,00%. Selain adanya In addition to the reclassification (transfer) of the
reklasifikasi (pemindahbukuan) saldo giro bank balance of other banks’ foreign exchange balances
lain valas ke Rupiah, penurunan juga dapat to the IDR, the decline can also occur because of
terjaadi karena adanya penarikan giro oleh the withdrawal of demand deposits by related
bank terkait selama tahun 2019. banks during 2019.
Pertumbuhan
Growth
Uraian Description 2019 2018
Rp
%
IDR
(1) (1) (2) (3) (4) = (2)-(3) (5) = (4)/(3)
Giro pada Bank Lain - Pihak ketiga Current Accounts with Other Banks - Third parties 535,268 611,796 (76,528) (12.51%)
Penempatan Pada Bank Indonesia dan Bank Placements With Indonesia And Other Banks -
Lain - Pihak Ketiga Third Parties
Penempatan pada Bank Indonesia dan Bank Lain Placements with Bank Indonesia and Other Banks
- Pihak ketiga tahun 2019 mencapai Rp7.919.924 - Third parties in 2019 reached IDR7.919.924
juta menurun 18,61% dibandingkan tahun 2018 million, a decrease of 18,61% compared to 2018
yang mencapai Rp9.731.163 juta. Penurunan which reached IDR9.731.163 million. The decrease
tersebut karena turunnya penempatan pada was due to the decrease in placements with BI and
BI dan bank Lain pihak ketiga dari mata uang other third-party banks from the IDR by 29,27%.
Rupiah sebesar 29,27%.
Tabel Penempatan Pada Bank Indonesia Dan Bank Lain - Pihak Ketiga
Tableof PLACEMENTS WITH INDONESIA AND OTHER BANKS - THIRD PARTIES dalam jutaan Rupiah
in million IDR
Pertumbuhan
Growth
Uraian Description 2019 2018
Rp
%
IDR
(1) (1) (2) (3) (4) = (2)-(3) (5) = (4)/(3)
Pihak ketiga Rupiah Third party IDR 6,323,372 8,940,212 (2,616,840) (29.27%)
Dollar Amerika Serikat United States Dollar 1,596,552 790,951 805,601 101.85%
Penempatan pada Bank Indonesia dan Bank Placements with Bank Indonesia and other banks
7,919,924 9,731,163 (1,811,239) (18.61%)
Lain - Pihak ketiga - third parties
Pertumbuhan
Growth
Uraian Description 2019 2018
Rp
%
IDR
(1) (1) (2) (3) (4) = (2)-(3) (5) = (4)/(3)
Pertumbuhan
Growth
Uraian Description 2019 2018
Rp
%
IDR
(1) (1) (2) (3) (4) = (2)-(3) (5) = (4)/(3)
Surat berharga - pihak ketiga Marketable securities - third parties 8,855,293 8,617,220 238,073 2.76%
Efek-Efek yang Dibeli dengan Janji Dijual Marketable Securities Sold Under Repurchase
Kembali Agreement
Efek-efek yang dibeli dengan janji dijual kembali Securities purchased under agreement to resell in
tahun 2019 mencapai Rp3.162.245 juta 2019 reached IDR3,162,245 million, an increase
meningkat 12,30% dibandingkan tahun 2018 of 12.30% compared to 2018 which reached
yang mencapai Rp2.815.800 juta. Peningkatan IDR2,815,800 million. The increase was due to the
tersebut karena adanya transaksi pembelian purchase of securities transactions with Indonesian
surat berharga kepada bank indonesia yang banks which were bigger than last year.
lebih besar dibandingkan tahun lalu.
Tabel Efek-Efek Yang Dibeli Dengan Janji Dijual Kembali
Table of Marketable Securities Sold Under Repurchase Agreement dalam jutaan Rupiah
in million IDR
Pertumbuhan
Growth
Uraian Description 2019 2018
Rp
%
IDR
(1) (1) (2) (3) (4) = (2)-(3) (5) = (4)/(3)
Efek-efek yang dibeli dengan janji dijual kembali Marketable securities sold under repurchase agreement 3,162,245 2,815,800 346,445 12.30%
Wesel Ekspor dan Tagihan Lainnya - Pihak Export Bills And Other Savings - Third Parties
Ketiga
Wesel ekspor dan tagihan lainnya - pihak Export bills and other bills - third parties in 2019
ketiga tahun 2019 mencapai Rp908.060 juta reached IDR908,060 million, an increase of 13.78%
meningkat 13,78% dibandingkan tahun 2018 compared to 2018 which reached IDR798,117
yang mencapai Rp798.117 juta. Peningkatan million. The increase was due to the sale and
tersebut karena adanya transaksi jual beli purchase transactions (exports / imports) which
(ekspor/impor) yang mengalami peningkatan experienced an increase with third parties in 2019
dengan pihak ketiga pada tahun 2019 dalam in IDR amounting to 14.17%.
bentuk Rupiah sebesar 14.17%.
Pertumbuhan
Growth
Uraian Description 2019 2018
Rp
%
IDR
(1) (1) (2) (3) (4) = (2)-(3) (5) = (4)/(3)
Dollar Amerika Serikat United States Dollar 1,023 3,639 (2,616) (71.89%)
Wesel Ekspor Dan Tagihan Lainnya - Pihak Ketiga Export Bills and Other Bills - Third Parties 908,060 798,117 109,943 13.78%
Pertumbuhan
Growth
Uraian Description 2019 2018
Rp
%
IDR
(1) (1) (2) (3) (4) = (2)-(3) (5) = (4)/(3)
Pembiayaan dan Piutang Syariah - Setelah Sharia Financing And Receivables - After Deduced
Dikurangi Margin Ditangguhkan - Pihak With Deffered Margins - Third Parties
Ketiga
Pembiayaan dan piutang syariah - setelah Sharia financing and receivables - net of deferred
dikurangi margin ditangguhkan - pihak ketiga margins - third party in 2019 reached IDR5,402,059
tahun 2019 mencapai Rp5.402.059 juta million, an increase of 16.38% compared to 2018
meningkat 16,38% dibandingkan tahun 2018 which reached IDR4,641,938 million. The increase
yang mencapai Rp4.641.938 juta. Peningkatan was due to an increase in lending with the type
tersebut karena adanya peningkatan of Mudharabah contract by 40.84% compared
penyaluran kredit dengan jenis akad to 2018 and Musyarakah which experienced an
Mudharabah sebesar 40,84% dibandingkan
tahun 2018 dan Musyarakah yang mengalami
peningkatan sebesar 36,15% jika dibandingkan increase of 36.15% when compared to 2018. This
tahun 2018. Hal ini dapat memperlihatkan could indicate the level of productivity of the bjb
tingkat produktivitas bank bjb syariah dalam sharia bank in granting loans to third parties
pemberian kredit kepada pihak ketiga selama during 2019.
tahun 2019.
Tabel Pembiayaan Dan Piutang Syariah - Setelah Dikurangi Margin Ditangguhkan - Pihak Ketiga
Table Sharia Financing And Receivables - After Deducted with Deferred Margins - Third Party dalam jutaan Rupiah
in million IDR
Pertumbuhan
Growth
Uraian Description 2019 2018
Rp
%
IDR
(1) (1) (2) (3) (4) = (2)-(3) (5) = (4)/(3)
Pertumbuhan
Growth
Uraian Description 2019 2018
Rp
%
IDR
(1) (1) (2) (3) (4) = (2)-(3) (5) = (4)/(3)
Pertumbuhan
Growth
Uraian Description 2019 2018
Rp
%
IDR
(1) (1) (2) (3) (4) = (2)-(3) (5) = (4)/(3)
Pertumbuhan
Growth
Uraian Description 2019 2018
Rp
%
IDR
(1) (1) (2) (3) (4) = (2)-(3) (5) = (4)/(3)
Pertumbuhan
Growth
Uraian Description 2019 2018
Rp
%
IDR
(1) (1) (2) (3) (4) = (2)-(3) (5) = (4)/(3)
Aset Pajak Tangguhan - Neto Deferred Tax Assets - Net 128,113 155,680 (27,567) (17.71%)
Pertumbuhan
Growth
Uraian Description 2019 2018
Rp
%
IDR
(1) (1) (2) (3) (4) = (2)-(3) (5) = (4)/(3)
Bunga Yang Masih Akan Diterima Receivables Accrued Interest 650,516 621,430 29,086 4.68%
Pertumbuhan
Growth
Uraian Description 2019 2018
Rp
%
IDR
(1) (1) (2) (3) (4) = (2)-(3) (5) = (4)/(3)
Aset Lain-Lain – Neto Other Assets - Net 1,712,169 1,332,663 379,506 28.48%
Liabilitas Liabilities
Liabilitas tahun 2019 mencapai Rp105.815.773 Liabilities in 2019 reached IDR105,815,773 million,
juta meningkat 1,71% dibandingkan tahun 2018 an increase of 1,71% compared to 2018 which
yang mencapai Rp104,035,920 juta. Peningkatan reached IDR104,035,920 million. TThis increase
tersebut sejalan dengan peningkatan aset bank is in line with the increase in bank assets in 2019
pada tahun 2019 yang mengalami peningkatan which increased by 1.71%.
sebesar 1,71%.
Tabel Liabilitas
dalam jutaan Rupiah
Table of Liabilities in million IDR
Pertumbuhan
Growth
Uraian Description 2019 2018
Rp
%
IDR
(1) (1) (2) (3) (4) = (2)-(3) (5) = (4)/(3)
LIABILITAS LIABILITIES
Liabilitas segera Obligations due immediately 1,816,918 1,488,621 328,297 22.05%
Simpanan nasabah Deposits from customers
- Pihak berelasi - Related parties 12,981,014 13,230,691 (249,677) (1.89%)
- Pihak ketiga - Third parties 70,583,379 68,590,293 1,993,086 2.91%
83,564,393 81,820,984 1,743,409 2.13%
Simpanan nasabah - Syariah Deposits from customers - Sharia
- Pihak berelasi - Related parties 1 1 0 0.00%
- Pihak ketiga - Third parties 425,410 376,744 48,666 12.92%
425,411 376,745 48,666 12.92%
Simpanan dari bank lain Deposits from other banks
- Pihak berelasi - Related parties 423,938 166,117 257,821 155.20%
- Pihak ketiga - Third parties 1,132,690 4,094,603 (2,961,913) (72.34%)
1,556,628 4,260,720 (2,704,092) (63.47%)
Efek-efek yang dijual dengan janji dibeli Marketable securities sold under
3,792,336 3,852,844 (60,508) (1.57%)
kembali repurchase agreement
Liabilitas akseptasi Acceptance liabilities 156,084 82,379 73,705 89.47%
Efek hutang yang diterbitkan - neto Issued debt securities - net 3,487,485 3,240,513 246,972 7.62%
Pinjaman yang diterima - pihak ketiga Received Loans - Third parties 8,791,601 6,708,734 2,082,867 31.05%
Estimasi kerugian komitmen dan Estimated losses on commitments and
369 579 (210) (36.27%)
kontinjensi contingencies
Hutang pajak Tax payable 44,323 79,258 (34,935) (44.08%)
Bunga yang masih harus dibayar Interest Payable 178,516 183,446 (4,930) (2.69%)
Liabilitas pajak tangguhan - neto Deferred tax liability - net 169,389 110,522 58,867 53.26%
Liabilitas imbalan kerja Employee benefits liability 209,983 185,404 24,579 13.26%
Liabilitas lain-lain Other liabilities 731,131 648,703 82,428 12.71%
Obligasi Subordinasi Subordinated Bonds 996,424 996,468 (44) 0.00%
Total liabilitas Total liabilities 105,920,991 104,035,920 1,885,071 1.81%
Pertumbuhan
Growth
Uraian Description 2019 2018
Rp
%
IDR
(1) (1) (2) (3) (4) = (2)-(3) (5) = (4)/(3)
Liabilitas segera Obligations due immediately 1,816,918 1,488,621 328,297 22.05%
Pertumbuhan
Growth
Uraian Description 2019 2018
Rp
%
IDR
(1) (1) (2) (3) (4) = (2)-(3) (5) = (4)/(3)
Pihak berelasi: Related parties:
Rupiah Indonesian IDR 11,342,501 12,101,734 (759,233) (6.27%)
Mata uang asing Foreign Currencies 1,638,513 1,128,957 509,557 45.14%
12,981,014 13,230,691 (249,677) (1.89%)
Pihak ketiga: Third parties:
Rupiah Indonesian IDR 70,185,865 68,202,366 1,983,499 2.91%
Mata uang asing Foreign Currencies 397,514 387,927 9,587 2.47%
70,583,379 68,590,293 1,993,086 2.91%
Simpanan nasabah Deposits from customers 83,564,393 81,820,984 1,743,409 2.13%
Pertumbuhan
Growth
Uraian Description 2019 2018
Rp
%
IDR
(1) (1) (2) (3) (4) = (2)-(3) (5) = (4)/(3)
Pihak berelasi: Related parties:
Rupiah Indonesian IDR 1 1 - 0,00%
Pihak ketiga: Third parties:
Rupiah Indonesian IDR 425,410 376,744 48,666 12.92%
Simpanan nasabah - syariah Customer deposits - sharia 425,411 376,745 48,666 12.92%
Pertumbuhan
Growth
Uraian Description 2019 2018
Rp
%
IDR
(1) (1) (2) (3) (4) = (2)-(3) (5) = (4)/(3)
Pihak berelasi: Related parties:
Rupiah Indonesian IDR 423,938 166,117 257,821 155.20%
Pihak ketiga: Third parties:
Rupiah Indonesian IDR 1,132,690 4,022,703 (2,890,013) (71.84%)
Mata Uang Asing Foreign Currencies - 71,900 (71,900) (100.00%)
1,132,690 4,094,603 (2.961.913) (72,34%)
Simpanan dari Bank Lain Deposits from other banks 1,556,628 4,260,720 (2,704,092) (63.47%)
Efek-Efek yang Dijual Dengan Janji Dibeli Marketable Securities Sold Under Repurchase
Kembali Agreement
Efek-efek yang dijual dengan janji dibeli kembali Securities sold under agreement to repurchase in
tahun 2019 mencapai Rp3.792.336 juta menurun 2019 reached IDR3,792,336 million, a decrease
1,57% dibandingkan tahun 2018 yang mencapai of 1.57% compared to 2018 which reached
Rp3.852.844 juta. Penurunan tersebut karena IDR3,852,844 million. The decrease was due to
transaksi penjualansurat berharga kepada bank the sale of valuable transactions to Indonesian
indonesia yang lebih kecil dibandingkan tahun banks which were smaller than last year, one of
lalu, salah satu alasannya adalah bank memiliki the reasons was that the bank had a good liquidity
likuiditas yang baik posisi Desember 2019. position in December 2019.
Pertumbuhan
Growth
Uraian Description 2019 2018
Rp
%
IDR
(1) (1) (2) (3) (4) = (2)-(3) (5) = (4)/(3)
Marketable securities sold under
Efek-efek yang dijual dengan janji dibeli ke 3,792,336 3,852,844 (60,508) (1.57%)
repurchase agreement
Pertumbuhan
Growth
Uraian Description 2019 2018
Rp
%
IDR
(1) (1) (2) (3) (4) = (2)-(3) (5) = (4)/(3)
Acceptance liabilities - Third parties
Liabilitas akseptasi – Pihak Ketiga - Rupiah 156,084 82,379 73,705 89.47%
- IDR
Pertumbuhan
Growth
Uraian Description 2019 2018
Rp
%
IDR
(1) (1) (2) (3) (4) = (2)-(3) (5) = (4)/(3)
Medium Term Notes II Medium Term Notes II - - - -
Obligasi VII Bank Jabar Banten Bank Jabar Banten Bonds VII - - - -
Obligasi Berkelanjutan I Tahap I Bank Jabar Sustainable Bonds I Phase I of Bank Jabar
1,500,000 1,500,000 - 0,00%
Banten Banten
Obligasi Berkelanjutan I Tahap II Bank Jabar Sustainable Bonds I Phase II of Bank Jabar
1,752,000 1,752,000 - -
Banten Banten
Obligasi Berkelanjutan I Tahap III Bank Jabar Sustainable Bonds I Phase III of Bank Jabar
248,000 - 248,000 100,00%
Banten Banten
Beban emisi obligasi yang belum
Unamortized bonds issuance cost (12,515) (11,487) (1,028) 8.95%
diamortisasi
Efek hutang yang diterbitkan - neto Issued debt securities - net 3,487,435 3,240,513 246,972 7,62%
Pertumbuhan |Growth
Uraian Description 2019 2018
Rp | IDR %
(1) (1) (2) (3) (4) = (2)-(3) (5) = (4)/(3)
Estimasi Kerugian Komitmen dan Kontinjensi Estimation Of Commitment And Contingency Loss
Estimasi kerugian komitmen dan kontinjensi Estimation of losses on commitments and
tahun 2019 mencapai Rp369 juta menurun contingencies in 2019 reached IDR369 million,
36,27% dibandingkan tahun 2018 yang it decreased 36.27% compared to 2018 which
mencapai Rp579 juta. Komponen penyumbang reached IDR579 million. The biggest contributor to
penurunan terbesar pada pos estimasi kerugian the decline in the estimated post commitment and
komitmen dan kontijensi adalah bank garansi contingency losses was bank guarantees which
yang mengalami penurunan sebesar 44.81%. declined by 44.81%.
Pertumbuhan
Growth
Uraian Description 2019 2018
Rp
%
IDR
(1) (1) (2) (3) (4) = (2)-(3) (5) = (4)/(3)
Rupiah: Indonesian IDR
Fasilitas kredit yang belum digunakan Unused credit facilities 135 155 (20) (12.90%)
Bank garansi Bank guarantee 234 424 (190) (44.81%)
Estimasi kerugian komitmen dan Estimated losses on commitments and
kontinjensi contingencies
369 579 (210) (36.27%)
Pertumbuhan
Growth
Uraian Description 2019 2018
Rp
%
IDR
(1) (1) (2) (3) (4) = (2)-(3) (5) = (4)/(3)
Bank Bank 34,781 72,067 (37,286) (51.74%)
Entitas anak Subsidiaries 9,542 7,191 2,351 32.69%
Hutang pajak Tax payable 44,523 79,258 (34,935) (44.08%)
Pertumbuhan
Growth
Uraian Description 2019 2018
Rp
%
IDR
(1) (1) (2) (3) (4) = (2)-(3) (5) = (4)/(3)
Rupiah Indonesian IDR 177,036 182,879 (5,843) (3.20%)
Dolar Amerika Serikat United States Dollar 1,480 567 913 161.02%
Bunga yang masih harus dibayar Interest Payable 178,516 183,446 (4,930) (2.69%)
Pertumbuhan
Growth
Uraian Description 2019 2018
Rp
%
IDR
(1) (1) (2) (3) (4) = (2)-(3) (5) = (4)/(3)
Aset (liabilitas) pajak tangguhan - dampak Deferred tax assets (liabilities) - the impact of
dari laporan laba rugi dan penghasilan consolidated profit-loss statement and other (212,678) (151,386) (61,292) 40,49%
komprehensif lain konsolidasian comprehensive income
Aset (liabilitas) pajak tangguhan – dampak Deferred tax assets (liabilities) - the impact
- - 0 0.00%
dari ekuitas of equities
Liabilitas pajak tangguhan - neto Deferred tax liability - net (212,678) (151,386) (61.292) 55.46%
Pertumbuhan
Growth
Uraian Description 2019 2018
Rp
%
IDR
(1) (1) (2) (3) (4) = (2)-(3) (5) = (4)/(3)
Saldo awal Initial balance (185,404 (207,597) 22,193 (10.69%)
Beban tahun berjalan Current year expenses (138,459) (100,249) (38,210) 38.12%
Pengukuran kembali liabilitas (aset) imbalan Re-measurement of employee benefit
(10,160) 5,518 (15,678) (284.12%)
kerja - neto liabilities (assets) - net
Pembayaran Imbalan Actual benefits payments 66,450 55,718 10,732 19.26%
Kontribusi pemberi kerja Employer's contribution 57,590 61,206 (3,616) (5.91%)
Liabilitas imbalan kerja Employee benefits liability (209,983) 185,404 (24,579) 13.26%
Pertumbuhan
Growth
Uraian Description 2019 2018
Rp
%
IDR
(1) (1) (2) (3) (4) = (2)-(3) (5) = (4)/(3)
Rupiah Indonesian IDR 728,824 644,850 83,974 13.02%
Mata Uang Asing Foreign Currencies 2,307 3,853 (1,546) (40.12%)
Liabilitas lain-lain Other liabilities 731,131 648,703 82,428 12.71%
Pertumbuhan
Growth
Uraian Description 2019 2018
Rp
%
IDR
(1) (1) (2) (3) (4) = (2)-(3) (5) = (4)/(3)
Obligasi Subordinasi Berkelanjutan I Tahap I Sustainable Subordinated Bonds I
1,000,000 1,000,000 0 0.00%
Bank Jabar Banten Phase I of Bank Jabar Banten
Beban emisi obligasi yang belum
Unamortized bond issuance costs (3,576) (3,532) (44) 1.25%
diamortisasi
Obligasi Subordinasi Subordinated Bonds 996,424 996,468 (44) 1.25%
Pertumbuhan
Growth
Uraian Description 2019 2018
Rp
%
IDR
(1) (1) (2) (3) (4) = (2)-(3) (5) = (4)/(3)
Bukan bank Non-bank
- Pihak berelasi - Related parties 2,639 5,449 (2,810) (51.57%)
- Pihak ketiga - Third parties 5,360,099 4,799,452 560,647 11.68%
5,362,738 4,804,901 557,837 11.61%
Bank Bank
- Pihak Ketiga - Third parties 210,116 65,251 144,865 222.01%
Total dana syirkah temporer Total temporary syirkah funds 5,572,854 4,870,152 702,702 14.43%
Ekuitas Equities
Ekuitas tahun 2019 mencapai Rp12.042.629 Equity in 2019 reached IDR12,042,629 million,
juta meningkat 6,71% dibandingkan tahun 2018 an increase of 6.71% compared to 2018 which
yang mencapai Rp11.285.315 juta. Peningkatan reached IDR11,285,315 million. The increase was
tersebut karena adanya peningkatan pada due to an increase in several equity items such as
beberapa pos ekuitas seperti adanya kenaikan an increase in the surplus from the revaluation
atas surplus dari revaluasi aset tetap sebesar of fixed assets of 4.50% and an increase in profit
4,50% dan peningkatan pada saldo laba di balance in 2019 of 6.73%
tahun 2019 sebesar 6,73%
Tabel Ekuitas
Table of Equities dalam jutaan Rupiah
in million IDR
Pertumbuhan
Growth
Uraian Description 2019 2018
Rp
%
IDR
(1) (1) (2) (3) (4) = (2)-(3) (5) = (4)/(3)
EKUITAS EQUITIES
Ekuitas yang dapat diatribusikan kepada entitas Equity attributable to equity holders of the
induk parent entity
Modal saham Share capital
Nominal value of IDR 250 (full amount)
Nilai nominal Rp250 (nilai penuh) per saham
per share
Modal dasar: Authorized capital:
Seri A - 9.600.000.000 saham A Series A - 9,600,000,000 shares
Seri B - 6.400.000.000 saham B Series B - 6,400,000,000 shares
Modal ditempatkan dan disetor penuh: Issued and paid-up capital:
Seri A - 7.414.714.661 saham (per tanggal 31 A series A - 7,414,714,661 shares (as
Desember 2017: 7.272.218.666 saham) of December 31, 2017: 7,272,218,666
shares)
Seri B - 2.424.072.500 saham (per tanggal 31
Series B - 2.424.072.500 shares (as of
Desember 2017: 2.424.072.500 saham) December 31 2017: 2.424.072.500
shares)
2,459,697 2,459,697 0 0.00%
Tambahan modal disetor Additional paid-in capital 1,058,541 1,058,541 0 0.00%
Surplus dari revaluasi aset tetap SuIDRlus from of fixed assets revaluation 2,020,781 1,933,791 86,990 4.50%
Keuntungan (Kerugian) dan Perubahan nilai aset Profits (losses) from changes in the value
of financial assets in the available-for-sale (1,514) - (1,514) -
keuangan dalam kelompok tersedia untuk dijual category
Pengukuran kembali program imbalan pasti - Remeasurement of defined benefit plan -
(179,115) (170,839) (8,276) 4.84%
Setelah pajak tangguhan Net of deferred tax
Saldo laba Retained earnings
- Telah ditentukan penggunaannya - The usage had been determined 3,725,378 5,043,407 (1,318,029) (26.13%)
Pertumbuhan
Growth
Uraian Description 2019 2018
Rp
%
IDR
(1) (1) (2) (3) (4) = (2)-(3) (5) = (4)/(3)
- Belum ditentukan penggunaannya - The usage had not been determined 2,909,072 911,978 1,997,094 218.98%
Total ekuitas yang dapat diatribusikan kepada Total equity attributable to equity holders
11,992,840 11,236,575 756,265 6.73%
entitas induk of the parent entity
Kepentingan non-pengendali Non-controlling interest 49,789 48,740 1,049 2.15%
Total ekuitas Total equity 12,042,629 11,285,315 757,314 6.71%
Pertumbuhan
Growth
Uraian Description 2019 2018
Rp
%
IDR
(1) (1) (2) (3) (4) = (2)-(3) (5) = (4)/(3)
Total Saham Seri A Total of A Series Shares 1,853,679 1,853,679 - 0,00%
Total Saham Seri B Total of B Series Shares 606,018 606,018 - 0,00%
Modal ditempatkan dan disetor penuh Issued and paid-up capital 2,459,697 2,459,697 - 0,00%
Pertumbuhan
Growth
Uraian Description 2019 2018
Rp
%
IDR
(1) (1) (2) (3) (4) = (2)-(3) (5) = (4)/(3)
Masyarakat Community 823,423 823,423 - 0,00%
Pemerintah Provinsi Jawa Barat West Java Provincial Government 76,595 76,595 - 0,00%
Pemerintah Kab. Bandung Government of Bandung Regency 52,105 52,105 -
Pemerintah Kab. Bandung Barat Government of West Bandung Regency 8,684 8,684 - 0,00%
Pemerintah Kab. Bogor Government of Bogor Regency 14,958 14,958 - 0,00%
Pemerintah Kab. Cirebon Government of Cirebon Regency 4,145 4,145 - 0,00%
Pemerintah Kab. Indramayu Government of Indramayu Regency 6,498 6,498 - 0,00%
Pemerintah Kab. Karawang Government of Karawang Regency 4,200 4,200 - 0,00%
Pemerintah Kab. Kuningan Government of Kuningan Regency 2,127 2,127 - 0,00%
Pemerintah Kab. Lebak Government of Lebak Regency 2,783 2,783 - 0,00%
Pemerintah Kab. Pandeglang Government of Pandeglang Regency 8,158 8,158 - 0,00%
Pertumbuhan
Growth
Uraian Description 2019 2018
Rp
%
IDR
Pemerintah Kab. Serang Government of Serang Regency 11,189 11,189 - 0,00%
Pemerintah Kab. Subang Government of Subang Regency 3,318 3,318 - 0,00%
Pemerintah Kab. Sukabumi Government of Sukabumi Regency 6,417 6,417 - 0,00%
Pemerintah Kota Bekasi Bekasi City Government 4,613 4,613 - 0,00%
Pemerintah Kota Cilegon Cilegon City Government 4,342 4,342 - 0,00%
Pemerintah Kota Cirebon Cirebon City Government 1,317 1,317 - 0,00%
Pemerintah Kota Depok Depok City Government 6,923 6,923 - 0,00%
Pemerintah Kota Sukabumi Sukabumi City Government 2,845 2,845 - 0,00%
Pemerintah Kota Tangerang Tangerang City Government 9,264 9,264 - 0,00%
Pemerintah Kota Tasikmalaya City of Tasikmalaya Government 4,637 4,637 - 0,00%
Tambahan modal disetor Additional paid-in capital 1,058,541 1,058,541 - 0,00%
Pertumbuhan
Growth
Uraian Description 2019 2018
Rp
%
IDR
(1) (1) (2) (3) (4) = (2)-(3) (5) = (4)/(3)
Surplus dari revaluasi aset tetap SuIDRlus from of fixed assets revaluation 2,020,781 1,933,791 86,990 4.50%
Pengukuran Kembali Program Imbalan Pasti Remeasurement Of Defined Benefit Plan - Net Of
- Setelah Pajak Tangguhan Deffered Tax
Pengukuran kembali program imbalan pasti - Remeasurement of the defined benefit plan -
setelah pajak tangguhan tahun 2019 mencapai after deferred tax in 2019 reached (IDR179.115)
(Rp179.115) juta meningkat dibandingkan increased compared to 2018 which reached
tahun 2018 yang mencapai (Rp170.839) IDR170,839 The increase was due to a re-
juta Peningkatan tersebut karena adanya measurement of the defined benefit plan provided
pengukuran kembali atas program imbalan by the company to employees. in 2019 there are
pasti yang diberikan perusahaan kepada a number of things that can affect the increase or
karyawan. pada tahun 2019 terdapat beberapa decrease in relation to the remeasurement balance
hal yang dapat mempengaruhi kenaikan of the defined benefit plan - after tax deferred
atau penurunan terkait saldo pengukuran are many employees owned by the company.
kembali program imbalan pasti – setelah pajak fluctuation in the number of employees is one of
tangguhan adalah banyak nya karyawan yang the factors that influence the ups and downs of
dimiliki oleh perusahaan. fluktuasi atas jumlah the thing. In addition, there is also a new bank
karyawan merupakan salah satu faktor yang policy plan (to be implemented) related to benefits
mempengaruhi naik turunnya hal tesebut. received by employees.
Selain itu juga adanya rencana kebijakan bank
yang baru (akan diterapkan) terkait dengan
manfaat yang diterima oleh karyawan.
Pertumbuhan
Growth
Uraian Description 2019 2018
Rp
%
IDR
(1) (1) (2) (3) (4) = (2)-(3) (5) = (4)/(3)
Pengukuran kembali program imbalan pasti Remeasurement of defined benefit plan - net
(179,115) (170,839) (8,276) 4.84%
- setelah pajak tangguhan of deferred tax
Pertumbuhan
Growth
Uraian Description 2019 2018
Rp
%
IDR
(1) (1) (2) (3) (4) = (2)-(3) (5) = (4)/(3)
Telah ditentukan penggunaannya The usage had been determined 3,725,378 5,043,407 (1,318,029) (26.13%)
Belum ditentukan penggunaannya The usage had not been determined 2,909,072 911,978 1,997,094 218.98%
Saldo Laba Retained earnings 6,634,450 5,955,385 679,065 11.40%
Total Ekuitas yang Dapat Diatribusikan Total Equity Attributable To The Equity Holders Of
Kepada Entitas Induk The Parent Entities
Total ekuitas yang dapat diatribusikan kepada Total equity attributable to parent entities in
entitas induk tahun 2019 mencapai Rp11.992.840 2019 reached IDR11,992,840 million, an increase
juta meningkat 6,73% dibandingkan tahun 2018 of 6.73% compared to 2018 which reached
yang mencapai Rp11.236.575 juta. Peningkatan IDR11,236,575 million. The increase was due to
tersebut karena beberapa faktor salah satunya several factors, one of which was the increase in
adalah kenaikan laba perusahaan pada tahun corporate profits in 2019, which increased by 1%
2019 yang mengalami kenaikan sebesar 1% compared to 2018. In addition, there was also
dibandingkan tahun 2018. Selain itu juga adanya an increase in the suprlus post on revaluation of
peningkatan pada pos surplus atas revaluasi fixed assets which increased by 4.50% compared
aset tetap yang mengalami kenaikan sebesar to 2018.
4,50% dibandingkan dengan tahun 2018.
Pertumbuhan
Growth
Uraian Description 2019 2018
Rp
%
IDR
(1) (1) (2) (3) (4) = (2)-(3) (5) = (4)/(3)
Total ekuitas yang dapat diatribusikan kepada Total equity attributable to equity holders of
11,992,840 11,236,575 756,265 6.73%
entitas induk the parent entity
Pertumbuhan
Growth
Uraian Description 2019 2018
Rp
%
IDR
(1) (1) (2) (3) (4) = (2)-(3) (5) = (4)/(3)
Entitas Anak: Subsidiary entities:
PT Bank Jabar Banten Syariah PT Bank Jabar Banten Syariah 8,075 6,645 1,430 21.52%
PT BPR Intan Jabar PT BPR Intan Jabar 22,509 22,584 (75) (0.33%)
PT Karya Utama Jabar PT Karya Utama Jabar 19,205 19,511 (306) (1.57%)
Kepentingan non-pengendali Non-controlling interest 49,789 48,740 1,049 2.15%
Pertumbuhan
Growth
Uraian Description 2019 2018
Rp
%
IDR
(1) (1) (2) (3) (4) = (2)-(3) (5) = (4)/(3)
PENDAPATAN BUNGA DAN SYARIAH INTEREST AND SHARIA INCOME
Pendapatan bunga dan syariah Interest and sharia Income 12,011,703 11,843,595 168,108 1.42%
Pendapatan provisi dan komisi pembiayaan
Sharia financing fees and commission income 79,727 70,614 9,113 12.91%
syariah
12,091,430 11,914,209 177,221 1.49%
INTEREST EXPENSE AND SHARIA PROFIT-
BEBAN BUNGA DAN BAGI HASIL SYARIAH (6,008,924) (5,415,178) (593,746) 10.96%
SHARING
PENDAPATAN BUNGA DAN SYARIAH NETO INTEREST AND SHARIA INCOME - NET 6,082,506 6,499,031 (416,525) (6.41%)
PENDAPATAN OPERASIONAL LAINNYA OTHER OPERATING INCOME
Provisi dan komisi selain dari kredit yang
Non-loan related fees and commissions 599,296 580,577 18,719 3.22%
diberikan
Penerimaan kembali kredit yang telah
Recoveries from written-off loans 267,980 258,650 9,330 3.61%
dihapus buku
Keuntungan transaksi valuta asing - neto Gain from foreign exchange transactions – net 13,143 15,676 (2,533) (16.16%)
Keuntungan dari penjualan surat berharga Gain on sale of held-for-trading marketable
58,092 8,847 49,245 556.63%
yang diperdagangkan - neto securities – net
Keuntungan yang belum direalisasi dari
Unrealized gain on changes in fair value of
perubahan nilai wajar surat berharga yang 25,851 - 25,851 100.00%
marketable securities held-for-trading - net
diperdagangkan - neto
Lain-lain Others 50,341 70,714 (20,373) (28.81%)
1,014,703 934,464 313,024 44.61%
BEBAN OPERASIONAL LAINNYA OTHER OPERATING EXPENSES
Beban umum dan administrasi General and administrative expenses (2,281,455) (2,276,047) 5,408 0.24%
Beban tenaga kerja dan tunjangan Salaries and employee benefits 2,024,828 (2,160,020) 135,192 (6.26%)
Penyisihan kerugian penurunan nilai atas
Provision for impairment losses on financial and
aset keuangan dan non keuangan – neto (321,837) (517,260) 195,425 (37.78%)
non-financial assets - net Loss
Kerugian
Kerugian yang belum direalisasi dari
Unrealized losses on changes in fair value of
perubahan nilai wajar surat berharga yang - (28,823) (28,823) (100.00%)
marketable securities held-for-trading - net
diperdagangkan – neto
Pemulihan/(penyisihan) kerugian komitmen Reversal of (Provision for) losses on commitments
(149) 1,504 (1,653) (109.91%)
dan kontinjensi and contingencies
Lain-lain Others (409,447) (394,452) (14,995) 3.80%
(5,037,716) (5,375,098) 337,382 (6.28%)
LABA OPERASIONAL OPERATIONAL REVENUES 2,059,493 2,058,397 1,096 0.05%
BEBAN NON-OPERASIONAL - NETO NON-OPERATIONAL EXPENSES - NET (81,531) (121,353) 39,822 32.82%
LABA SEBELUM BEBAN PAJAK INCOME BEFORE TAX EXPENSES 1,977,962 1,937,044 40,918 2.11%
BEBAN PAJAK - NETO TAX EXPENSES - NET (413,470) (384,648) (28,822) 7.49%
LABA TAHUN BERJALAN INCOME FOR THE YEAR 1,564,492 1,552,396 12,096 0.78%
Pendapatan komprehensif lain: Other comprehensive income:
Akun yang tidak akan direklasifikasikan ke
Items that will not be reclassified to profit and loss
laba rugi
Pengukuran kembali atas program imbalan
Remeasurement of defined benefit plan program (10,160) 5,518 (15,678) (284.12%)
pasti
Revaluasi aset tetap Fixed assets revaluation 86,990 224,678 (137,688) (61.28%)
Pajak penghasilan Income tax 1,935 (1,419) (3,354) (236.36%)
Keuntungan (kerugian) dari perubahan nilai
Profits (losses) from changes in the value of
aset keuangan dalam kelompok tersedia (1,514) - (1,514) (100.00%)
financial assets in the available-for-sale category
untuk dijual
Penghasilan Komprehensif Lain Tahun Other Comprehensive Income for the Current Year
77,251 228,777 (151,526) (66.23%)
Berjalan – Setelah Pajak - After Taxes
TOTAL LABA KOMPREHENSIF TAHUN
TOTAL COMPREHENSIVE INCOME FOR THE YEAR 1,641,743 1,781,173 (139,430) (7.83%)
BERJALAN
Pertumbuhan
Growth
Uraian Description 2019 2018
Rp
%
IDR
(1) (1) (2) (3) (4) = (2)-(3) (5) = (4)/(3)
LABA TAHUN BERJALAN YANG DAPAT
INCOME FOR THE YEAR ATTRIBUTABLE TO:
DIATRIBUSIKAN KEPADA:
Pemilik entitas induk Equity holders of the parent entity 1,558,651 1,548,249 10,402 0.67%
Kepentingan non-pengendali Non-controlling interest 5,841 4,147 1,694 40.85%
TOTAL TOTAL 1,564,492 1,552,396 12,096 0.78%
TOTAL LABA KOMPREHENSIF YANG DAPAT TOTAL COMPREHENSIVE INCOME FOR THE YEAR
DIATRIBUSIKAN KEPADA: ATTRIBUTABLE TO:
Pemilik entitas induk Equity holders of the parent entity 1,635,891 1,776,973 (148,407) (7.94%)
Kepentingan non-pengendali Non-controlling interest 5,892 4,200 1,692 (40.29%)
TOTAL TOTAL 1,641,743 1,781,173 (135,430) (7.83%)
LABA PER SAHAM DASAR YANG DAPAT BASIC EARNINGS PER SHARE ATTRIBUTABLE TO
DIATRIBUSIKAN KEPADA PEMILIK ENTITAS EQUITYHOLDERS OF THE PARENT ENTITY (FULL 156.83 157.36 (0.53) (0.34%)
INDUK (NILAI PENUH) AMOUNT)
6,50
6,01 6,08 5,38
5,42
5,01
Pendapatan Bunga Beban Bunga Pendapatan Bunga Pendapatan Beban Operasional Laba Laba Laba Komprehensif
dan Syariah dan Hasil Syariah dan Syariah Neto Operasional Lainnya Operasional Tahun Berjalan Tahun Berjalan
Lainnya
2018 2019
Pertumbuhan
Growth
Uraian Description 2019 2018
Rp
%
IDR
(1) (1) (2) (3) (4) = (2)-(3) (5) = (4)/(3)
Pendapatan bunga dan syariah Interest and sharia Income 12,011,703 11,843,595 168,108 1.42%
Pendapatan provisi dan komisi pembiayaan Sharia financing fees and commission
79,727 70,614 9,113 12.91%
syariah income
Pendapatan bunga dan syariah Interest and sharia Income 12,091,430 11,914,209 177,221 1.49%
Pertumbuhan
Growth
Uraian Description 2019 2018
Rp
%
IDR
(1) (1) (2) (3) (4) = (2)-(3) (5) = (4)/(3)
Rupiah Indonesian IDR
Kredit yang diberikan dan piutang Loans and receivables
Kredit yang diberikan Loans 10,005,890 9,944,367 61,523 0.62%
Penempatan pada Bank Indonesia Placements with Bank Indonesia and
343,658 378,587 (34,929) (9.23%)
dan bank lain other banks
Giro pada Bank Indonesia Current accounts with Bank Indonesia - 9,052 (9,052) (100,00%)
Giro pada bank lain Current accounts with other banks 1,340 830 510 61.45%
Wesel ekspor dan tagihan lainnya Export bills and other bills 54,083 37,663 16,420 43.60%
Syariah Sharia
Margin Margin 425,735 470,451 (44,716) (9.50%)
Bagi Hasil Profit-Sharing 240,865 182,502 58,363 31.98%
Pendapatan Sewa Ijarah Ijarah Rental Income 10,765 12,180 (1,415) (11.62%)
Lainnya Others - - - -
Nilai wajar melalui laba rugi Fair value through profit or loss
Surat berharga Securities 44,296 39,464 4,832 12.24%
Dimiliki hingga jatuh tempo Held-to-maturity
Surat berharga Securities 417,172 746,505 (329,333) (44.12%)
Tersedia untuk dijual Available-for-sale
Surat Berharga Securities 440,478 - 440,478 100.00%
Mata uang asing Foreign Currencies
Kredit yang diberikan dan piutang Loans and receivables
Kredit yang diberikan Dolar Amerika
Credit given in United States Dollars 14,132 14,820 (688) (4.64%)
Serikat
Wesel ekspor dan tagihan lainnya Export bills and other bills 302 - 302 100.00%
Penempatan pada Bank Indonesia Placements with Bank Indonesia and
12,987 7,097 5,890 82.99%
dan bank lain Dolar Amerika Serikat other banks United States Dollars
Dimiliki hingga jatuh tempo Held-to-maturity
Surat berharga Dolar Amerika Serikat United States Dollars Securities - - - -
Lainnya Dolar Amerika Serikat Others - United States Dollar - 77 (77) (100.00%)
Total Pendapatan bunga dan syariah Total interest income and sharia 12,011,703 11,843,595 168,108 1.42%
Pendapatan Provisi dan Komisi Pembiayaan Sharia Financing Fees And Commission Income
Syariah
Pendapatan provisi dan komisi pembiayaan Sharia financing fees and commission income
syariah tahun 2019 mencapai Rp79.727 juta in 2019 reached IDR79,727 million, an increase
meningkat 12,91% dibandingkan tahun 2018 of 12.91% compared to 2018 which reached
yang mencapai Rp70.614 juta. IDR70,614 million.
Pertumbuhan
Growth
Uraian Description 2019 2018
Rp
%
IDR
(1) (1) (2) (3) (4) = (2)-(3) (5) = (4)/(3)
Pendapatan provisi dan komisi pembiayaan Sharia financing fees and commission
79,727 70,614 9,113 12.91%
syariah income
Beban Bunga dan Bagi Hasil Syariah Interest Expense And Sharia Profit-Sharing
Beban bunga dan bagi hasil syariah tahun 2019 Sharia interest expense and profit sharing in 2019
mencapai (Rp6.008.924) meningkat 10,96% reached (Rp6,008,924) an increase of 10.96%
dibandingkan tahun 2018 yang mencapai compared to 2018 which reached (Rp5,415,178)
(Rp5,415,178) juta. Peningkatan tersebut karena million. This increase was due to an increase in sharia
adanya penambahan pada pos simpanan customer deposit accounts placed by third parties or
nasabah syariah baik yang ditempatkan oleh other banks in 2019.
pihak ketiga ataupun bank lain pada tahun
2019.
Tabel Beban Bunga dan Bagi Hasil Syariah dalam jutaan Rupiah
Table of Interest Expense and Sharia Profit-Sharing in million IDR
Pertumbuhan
Growth
Uraian Description 2019 2018
Rp
%
IDR
(1) (1) (2) (3) (4) = (2)-(3) (5) = (4)/(3)
Beban bunga dan bagi hasil syariah Interest Expense and Sharia Profit-Sharing (6,008,924) (5,415,178) (593.746) 10,96%
Pendapatan Bunga dan Syariah Neto Interest And Sharia Income - Net
Pendapatan bunga dan syariah neto tahun Net interest and sharia income in 2019 reached
2019 mencapai Rp6.082.506 juta menurun IDR6,082,506 million, a decrease of 6.41%
6,41% dibandingkan tahun 2018 yang mencapai compared to 2018 which reached IDR6,499,031
Rp6.499.031 juta. million.
Pertumbuhan
Growth
Uraian Description 2019 2018
Rp
%
IDR
(1) (1) (2) (3) (4) = (2)-(3) (5) = (4)/(3)
Pendapatan bunga dan syariah neto Interest and sharia income - net 6,082,506 6,499,031 (416,525) (6.41%)
Pertumbuhan
Growth
Uraian Description 2019 2018
Rp
%
IDR
(1) (1) (2) (3) (4) = (2)-(3) (5) = (4)/(3)
Provisi dan komisi selain dari kredit yang
Non-loan related fees and commissions 599,296 580,577 18,719 3.22%
diberikan
Penerimaan kembali kredit yang telah
Recoveries from written-off loans 267,980 258,650 9,330 3.61%
dihapus buku
Keuntungan transaksi valuta asing-neto Gain from foreign exchange transactions-net 13,143 15,676 (2,533) (16.16%)
Keuntungan dari penjualan surat berharga Gain on sale of held-for-trading marketable
58,092 8,847 49,245 556.63%
yang diperdagangkan - neto securities – net
Keuntungan yang belum direalisasi dari
Unrealized gain on changes in fair value of
perubahan nilai wajar surat berharga yang 25,851 - 25,851 100,00%
marketable securities held-for-trading - net
diperdagangkan - neto
Lain-lain Others 50,341 70,714 (20,373) (38,81%)
Pendapatan operasional lainnya Other operating revenues 1,014,703 934,464 (80,239) 8.59%
Provisi Dan Komisi Selain Dari Kredit Fees And Commissions Other Than Loans
Yang Diberikan
Provisi dan komisi selain dari kredit yang Granted fees and commissions other than loans
diberikan tahun 2019 mencapai Rp599.296 juta in 2019 reached IDR599,296 million, an increase
meningkat 3,22% dibandingkan tahun 2018 of 3.22% compared to 2018 which reached
yang mencapai Rp580.577 juta. Peningkatan IDR580,577 million. The increase was due to an
tersebut karena kenaikan provisi dan komisi increase in fees and commissions from the IDR
dari mata uang Rupiah Rp11.233 juta. currency of 11.233 million.
Pertumbuhan
Growth
Uraian Description 2019 2018
Rp
%
IDR
(1) (1) (2) (3) (4) = (2)-(3) (5) = (4)/(3)
Rupiah: Indonesian IDR
Provisi dan komisi Fees and commissions 573,377 562,144 11,233 2.00%
Fee komitmen Commitment Fees 24,462 17,045 7,417 43.51%
Mata uang asing: Foreign Currencies:
Provisi dan komisi Fees and commissions 1,454 1,387 67 4.83%
Fee komitmen Commitment Fees 3 1 2 200.00%
Provisi dan komisi selain dari kredit Non-loan related fees and
599,296 580,577 18,719 3.22%
yang diberikan commissions
Pertumbuhan
Growth
Uraian Description 2019 2018
Rp
%
IDR
(1) (1) (2) (3) (4) = (2)-(3) (5) = (4)/(3)
Penerimaan kembali kredit yang telah dihapus Recoveries from written-off loans 267,980 258,650 9,330 3.61%
buku
Keuntungan Transaksi Valuta Asing – Gain From Foreign Exchange Transactions - Net
Neto
Keuntungan transaksi valuta asing - neto tahun Gain from foreign exchange - net transactions
2019 mencapai Rp13.143 juta menurun 16,16% in 2019 reached IDR13,143 million, a decrease
dibandingkan tahun 2018 yang mencapai of 16,16% compared to 2018 which reached
Rp15.676 juta. IDR15,676 million.
Pertumbuhan
Growth
Uraian Description 2019 2018
Rp
%
IDR
(1) (1) (2) (3) (4) = (2)-(3) (5) = (4)/(3)
Gain from foreign exchange transactions
Keuntungan transaksi valuta asing - neto 13,143 15,676 (2,533) (16.16%)
– net
Pertumbuhan
Growth
Uraian Description 2019 2018
Rp
%
IDR
(1) (1) (2) (3) (4) = (2)-(3) (5) = (4)/(3)
Keuntungan dari penjualan surat berharga yang Gain on sale of held-for-trading 58,092 8,847 49,245 556.63%
diperdagangkan - neto marketable securities – net
Keuntungan yang Belum Direalisasi dari Unrealized Gain on Changes in Fair Value of Mar-
Perubahan Nilai Wajar Surat Berharga yang ketable Securities Held-for-Trading - Net
Diperdagangkan – Neto
Keuntungan yang belum direalisasi dari Unrealized gain on changes in fair value of
perubahan nilai wajar surat berharga yang marketable securities held-for-trading - net in 2019
diperdagangkan – neto tahun 2019 mencapai reached IDR25,851 million, an increase of 100,00%
Rp25.851 juta meningkat 100,00% dibandingkan compared to 2018.
tahun 2018.
Tabel Keuntungan yang belum direalisasi dari perubahan nilai wajar surat berharga yang diperdagangkan – neto
Table of Unrealized gain on changes in fair value of marketable securities held-for-trading - net
dalam jutaan Rupiah
in million IDR
Pertumbuhan
Growth
Uraian Description 2019 2018
Rp
%
IDR
(1) (1) (2) (3) (4) = (2)-(3) (5) = (4)/(3)
Keuntungan yang belum direalisasi dari Unrealized gain on changes in fair value 25,851 - 25,851 100.00%
perubahan nilai wajar surat berharga yang of marketable securities held-for-trading
diperdagangkan - neto - net
Tabel Lain-lain
Table of Other Similar Things
dalam jutaan Rupiah
in million IDR
Pertumbuhan
Growth
Uraian Description 2019 2018
Rp
%
IDR
(1) (1) (2) (3) (4) = (2)-(3) (5) = (4)/(3)
Lain-lain Other similar things 50,341 70,714 (20,373) (28,81%)
Pertumbuhan
Growth
Uraian Description 2019 2018
Rp
%
IDR
(1) (1) (2) (3) (4) = (2)-(3) (5) = (4)/(3)
Beban umum dan administrasi General and administrative expenses (2,281,455) (2,276,047) (5,408) 0.24%
Beban tenaga kerja dan tunjangan Labor costs and allowance (2,024,828) (2,160,020) 135,192 (6.26%)
Penyisihan kerugian penurunan nilai atas Allowance for impairment losses on (321,837) 517,260 195,423 (37.78%)
aset keuangan dan non keuangan – neto financial and non-financial assets - net
Kerugian Loss
Kerugian yang belum direalisasi dari Unrealized loss from changes in fair value of - (28,823) (28,823) (100.00%)
perubahan nilai wajar surat berharga yang traded securities - net
diperdagangkan – neto
Pemulihan/(penyisihan) kerugian Recovery/(allowance) for loss of (149) 1,504 (1,653) (109.91%)
komitmen dan kontinjensi commitment and contingencies
Lain-lain Others (409,447) (394,452) (14,995) 3.80%
Beban operasional lainnya Other operational expenses (5,037,716) (5,375,098) 337,382 6.28%
Pertumbuhan
Growth
Uraian Description 2019 2018
Rp
%
IDR
(1) (1) (2) (3) (4) = (2)-(3) (5) = (4)/(3)
Pemulihan/(penyisihan) kerugian komitmen dan Recovery / (allowance) for loss of (149) 1,504 (1,653) (109.91%)
kontinjensi commitment and contingencies
Pertumbuhan
Growth
Uraian Description 2019 2018
Rp
%
IDR
(1) (1) (2) (3) (4) = (2)-(3) (5) = (4)/(3)
Pendapatan bunga dan syariah neto Net interest and sharia income 6,082,506 6,499,031 (416,525) (6.41%)
Pendapatan operasional lainnya Other operational income 1,014,703 934,464 80,235 8.59%
Beban operasional lainnya Other operational expenses (5,037,716) (5,375,098) 337,382 (6.28%)
Laba operasional Operational profit 2,059,493 2,058,397 1,096 0.05%
Pertumbuhan
Growth
Uraian Description 2019 2018
Rp
%
IDR
(1) (1) (2) (3) (4) = (2)-(3) (5) = (4)/(3)
Pendapatan non-operasional Non-operational income 50,114 53,124 (3,010) (5.67%)
Beban non-operasional Non-operational expenses (131,645) (174,477) 42,832 (24.55%)
Beban non-operasional - neto Non-operational Expenses - net (81,531) (121,353) 39,822 32.82%
Pertumbuhan
Growth
Uraian Description 2019 2018
Rp
%
IDR
(1) (1) (2) (3) (4) = (2)-(3) (5) = (4)/(3)
Laba operasional Operational profit 2,059,493 2,058,397 1,096 0.05%
Beban non-operasional - neto Non-operational expenses - neto (81,531) (121,353) 39,822 (32.82%)
Laba sebelum beban pajak Profit before tax 1,977,962 1,937,044 40,918 2.11%
Pertumbuhan
Growth
Uraian Description 2019 2018
Rp
%
IDR
(1) (1) (2) (3) (4) = (2)-(3) (5) = (4)/(3)
Beban pajak - neto Tax expenses - neto (413,470) (384,648) (28,822) 7.49%
Pertumbuhan
Growth
Uraian Description 2019 2018
Rp
%
IDR
(1) (1) (2) (3) (4) = (2)-(3) (5) = (4)/(3)
Laba sebelum beban pajak Profit before tax 1,977,962 1,937,044 40,918 2.11%
Beban pajak - neto Tax expenses - net (413,470) (384,648) (28,822) 7.49%
Laba tahun berjalan Current year profit 1,564,492 1,552,396 12,096 0.78%
Adapun laba tahun berjalan yang dapat The current year profit which was attributable to
diatribusikan kepada pemilik entitas induk the owners of the parent entity in 2019 reached
tahun 2019 mencapai Rp1.558.651 juta IDR1,558,651 million, increasing 0,67% compared
meningkat 0,67% dibandingkan tahun 2018 to 2018 which reached IDR1,548,249 million. While
yang mencapai Rp1.548.249 juta. Sedangkan the current year profit which was attributable to
laba tahun berjalan yang dapat diatribusikan
kepada kepentingan non pengendali tahun non-controlling interests in 2019 reached IDR5,841
2019 mencapai Rp5.841 juta meningkat 40,85% million, increasing 40.85% compared to 2018
dibandingkan tahun 2018 yang mencapai which reached IDR4,147 million.
Rp4.147 juta.
Tabel Laba Tahun Berjalan Yang Dapat Diatribusikan
Table of Attributable Current Year Profit dalam jutaan Rupiah
in million IDR
Pertumbuhan
Growth
Uraian Description 2019 2018
Rp
%
IDR
(1) (1) (2) (3) (4) = (2)-(3) (5) = (4)/(3)
Pemilik entitas induk Owner of the parent entity 1,558,651 1,548,249 10,402 0.67%
Kepentingan non-pengendali Non-controlling interest 5,841 4,147 1,694 40.85%
Total Total 1,564,492 1,552,396 12,096 0.78%
Pertumbuhan
Growth
Uraian Description 2019 2018
Rp
%
IDR
(1) (1) (2) (3) (4) = (2)-(3) (5) = (4)/(3)
Akun yang tidak akan direklasifikasikan ke Accounts that will not be reclassified to
laba rugi profit or loss
Pengukuran kembali atas program imbalan Re-measurement on defined benefit (10,160) 5,518 (15,678) (284.12%)
pasti programs
Revaluasi aset tetap Revaluation of fixed assets 86,990 224,678 (137,688) (61.28%)
Keuntungan (kerugian) dari perubahan nilai Profit (losses) from changes in the value of (1,514) (1,514) (100.00%)
aset keuangan dalam kelompok tersedia financial assets as available for sale
untuk dijual
Pajak penghasilan Income tax (1,935) (1,419) (516) 36.36%
Penghasilan Komprehensif Lain Tahun Other Comprehensive Income of the 77,251 228,777 (151,526) (66.23%)
Berjalan – Setelah Pajak Current Year - After Tax
Adapun laba komprehensif yang dapat The comprehensive profit which was attributable
diatribusikan kepada pemilik enititas induk to owners of parent entities in 2019 reached
tahun 2019 mencapai Rp1.635.891 juta IDR1,635,891 million, decreasing (7.94%)
menurun (7,94%) dibandingkan tahun 2018 compared to 2018 which reached IDR1,776,973
yang mencapai Rp1.776.973 juta. Sedangkan million. However, the comprehensive income which
laba komprehensif yang dapat diatribusikan could be attributed to non-controlling interests in
kepada kepentingan non pengendali tahun 2019 reached IDR5,892 million, increasing 39.1%
2019 mencapai Rp5.892 juta meningkat 39,1% compared to 2018 which reached IDR4,200 million.
dibandingkan tahun 2018 yang mencapai
Rp4.200 juta.
Tabel Laba Komprehensif Yang Dapat Diatribusikan
Tabel of Attributable Comprehensive Profit dalam jutaan Rupiah
in million IDR
Pertumbuhan
Growth
Uraian Description 2019 2018
Rp
%
IDR
(1) (1) (2) (3) (4) = (2)-(3) (5) = (4)/(3)
Pemilik entitas induk Owner of the parent entity 1,635,891 1,776,973 (141,082) (7.94%)
Kepentingan non-pengendali Non-controlling interest 5,892 4,200 1,692 39,1%
Total Total 1,641,743 1,781,173 (139,430) (7.83%)
Laba Per Saham Dasar yang Dapat Profit Per Basic Shares That Can Be Atrib-
Diatribusikan Kepada Pemilik Entitas uted To Owner Entities (Full Value)
Induk (Nilai Penuh)
Laba per saham dasar yang dapat diatribusikan Profit per basic share which was attributable to
kepada pemilik entitas induk (nilai penuh) owners of the parent entity (full value) in 2019
tahun 2019 mencapai Rp156,83 menurun reached IDR156.83 decreasing 0.34% compared
0.34% dibandingkan tahun 2018 yang mencapai to 2018 which reached IDR157.36.
Rp157,36.
Tabel Laba Per Saham Dasar Yang Dapat Diatribusikan Kepada Pemilik Entitas Induk (Nilai Penuh)
Table of Profit Per Basic Share Attributable To Owners of the Parent Entity (Full Value)
Pertumbuhan
Growth
Uraian Description 2019 2018
Rp
%
IDR
(1) (1) (2) (3) (4) = (2)-(3) (5) = (4)/(3)
Laba Per Saham Dasar Yang Dapat Profit per basic share Attributable To 156.83 157.36 (0.53) (0.34%)
Diatribusikan Kepada Pemilik Entitas Owners of the Parent Entity (Full Value)
Induk (Nilai Penuh)
Pertumbuhan
Growth
Uraian Description 2019 2018
Rp
%
IDR
(1) (1) (2) (3) (4) = (2)-(3) (5) = (4)/(3)
ARUS KAS DARI AKTIVITAS OPERASI CASH FLOW FROM OPERATION ACTIVITY
Arus kas neto (digunakan untuk)/diperoleh Net cash flow (used for)/obtained from (6,593,634) (6,071,169) 12,664,803 (208.61%)
dari aktivitas operasi a. 12,664,803 operation activity
ARUS KAS DARI AKTIVITAS INVESTASI CASH FLOW FROM INVESTMENT ACTIVITY
Arus kas neto (digunakan untuk)/diperoleh Net cash flow (used for)/obtained from (147,622) (220,340) (125,588) (569.97%)
dari aktivitas investasi investment activity
ARUS KAS DARI AKTIVITAS CASH FLOW FROM FUNDING ACTIVITY
PENDANAAN
Arus kas neto diperoleh dari aktivitas Net cash flow (used for)/obtained from 1,450,216 2,861,735 (1,411,519) (49,32%)
pendanaan funding activity
KENAIKAN NETO KAS DAN SETARA KAS CASH NET CASH AND CASH EQUIVALENT (5,291,040) (3,429,774) (1,861,266) 54.27%
KAS DAN SETARA KAS PADA AWAL CASH ANS CASH EQUIVALENT IN EARLY 23,249,310 26,675,281 (3,425,971) (12.84%)
TAHUN YEAR
DAMPAK BERSIH PERUBAHAN NILAI CLEAR IMPACT OF EXCHANGE RATE OF 2,841 3,802 (961) (25.28%)
TUKAR ATAS KAS DAN SETARA KAS CASH AND CASH EQUIVALENTS
KAS DAN SETARA KAS PADA AKHIR CASH AND CASH EQUIVALENT IN THE 17,961,111 23,249,310 (5,288,199) (22.75%)
TAHUN END OF THE YEAR
Kas dan setara kas pada akhir tahun terdiri Cash and cash equivalent in the end of the
dari: year consist of:
Kas Cash 3,160,771 2,929,207 231,564 7.91%
Giro pada Bank Indonesia Current accounts in Bank Indonesia 6,512,341 9,981,495 (3,469,154) (34.76%)
Giro pada bank lain Current accounts in other bank 535,268 611,796 (76,456) (12,51%)
Penempatan pada Bank Indonesia dan bank Placements in Bank Indonesia and other 7,752,731 9,726,812 (1,974,081) (20.30%)
lain - jangka waktu jatuh tempo tiga bulan banks - a period of three months or less
atau kurang sejak tanggal perolehan from the date of acquisition
Total kas dan setara kas Total cash and cash equivalent 17,961,111 23,249,310 (5,288,199) (22,75%)
2,86
1,71
0,22 0,15
Arus Kas dari Aktivitas Operasi CASH FLOW FROM OPERATION ACTIVITY
Arus kas neto digunakan untuk aktivitas operasi Net cash flow used for operating activities in
tahun 2019 mencapai (Rp6.593.634) juta 2019 reached (IDR6,593,634), increasing 8.61%
meningkat 8,61% dibandingkan tahun 2018 compared to 2018 which reached (IDR6,071,169)
yang mencapai (Rp6.071.169) juta. Peningkatan million. The increase was due to an increase in
tersebut karena kenaikan kredit yang diberikan loans and sharia financing and receivables.
dan pembiayaan dan piutang syariah.
Pertumbuhan
Growth
Uraian Description 2019 2018
Rp
%
IDR
(1) (1) (2) (3) (4) = (2)-(3) (5) = (4)/(3)
Penerimaan bunga dan syariah, provisi dan Interest and sharia receipts, fees and 12,062,245 11,968,505 93,740 0.78%
komisi commissions
Pembayaran bunga Interest payment (6,013,854) (5,431,103) (582,751) 10.73%
Pembayaran beban karyawan Employee expenses payment (2,078,219) (2,212,439) 134,220 (6.07%)
Pembayaran beban umum dan administrasi General and administrative expenses (2,429,691) (2,694,271) 264,580 (9.82%)
payment
Penerimaan dari pendapatan operasional Receipts from other operational income 841,139 742,386 98,753 13.30%
lainnya
Penerimaan kredit yang telah dihapus buku Receipt of credit that has been deleted 267,980 258,650 9,330 3.61%
Pembayaran beban lainnya Other expenses payment (507,601) (515.275) 7,674 (1.49%)
Pembayaran pajak penghasilan Income tax payment (408,788) (368,387) (40,401) 10.97%
Pembayaran pajak final atas Revaluasi aset Final tax on revaluation of fixed assets - - - -
tetap payment
Penerimaan kas sebelum perubahan dalam Cash receipts before changes in operating 1,733,311 1,748,066 (14,755) (0.84%)
aset dan liabilitas operasi assets and liabilities
Penurunan (kenaikan) dalam aset operasi: Decrease (increase) in operating assets:
Surat berharga Securities (311,151) (1,016,111) 704,960 (69.38%)
Efek-efek yang dibeli dengan janji dijual Securities purchased under agreement to (346,445) (2,490,651) 2,144,206 (86.09%)
kembali resell
Wesel ekspor dan tagihan lainnya Export bills and other bills (109,943) (715,252) 605,309 (84.63%)
Penempatan pada Bank Indonesia dan bank Placements in Bank Indonesia and other (165,000) 75,963 (240,963) (317.21%)
lain banks
Kredit yang diberikan dan pembiayaan dan Loans and sharia financing and receivables (7,246,690) (4,390,857) (2,855,833) 65.04%
piutang syariah
Tagihan Derivatif Derivative Bill 76 (75) 151 (201.33%)
Tagihan Akseptasi Acceptance bills (73,705) (34,970) (38,735) 110.77%
Aset lain-lain Other assets (313,831) 116,637 (430,468) (369.07%)
Kenaikan (penurunan) dalam liabilitas operasi: Increase (decrease) in operating liabilities:
Liabilitas segera Immediate liability 328,297 (436,776) 765,073 (175.16%)
Simpanan: Deposits:
Giro Current account 2,660,375 (1,660,978) 4,321,353 (260.17%)
Tabungan Savings 363,823 2,782,318 (2,418,495) (86.92%)
Deposito berjangka Time deposit (674,789) (1,318,704) 643,915 (48.83%)
Simpanan dari bank lain Deposits from other banks (2,558,727) (1,809,792) (748,935) 41.38%
Efek-efek yang dijual dengan janji dibeli Securities sold under agreement to (60,508) 3,082,266 (3,142,774) (101.96%)
kembali repurchase
Liabilitas lain-lain Other liabilities (123,647) (57,214) (66,433) 116.11%
Liabilitas akseptasi Acceptance liabilities 73,705 34,970 38,735 110.77%
Liabilitas Derivatif Derivative Liabilities - (88) (88) (100.00%)
Hutang pajak Tax payable (16,079) 20,079 (36,158) (180.08%)
Arus kas neto (digunakan untuk)/diperoleh Net cash flow (used for) / obtained from (6,593,634) (6,071,169) (522,465) 8.61%
dari aktivitas operasi operation activities
Arus Kas dari Aktivitas Investasi Cash Flow from Investment Activity
Arus kas neto digunakan untuk aktivivitas Net cash flow used for investment activities in 2019
investasi tahun 2019 mencapai (Rp147.622) juta reached (IDR147,622) million, increasing 57.00%
meningkat 57,00% dibandingkan tahun 2018 compared to 2018 which reached (IDR. 220,340)
yang mencapai (Rp220,340) juta. Peningkatan million. The increase was due to the purchase of
tersebut karena pembelian aset tetap. fixed assets.
Pertumbuhan
Growth
Uraian Description 2019 2018
Rp
%
IDR
(1) (1) (2) (3) (4) = (2)-(3) (5) = (4)/(3)
Penerimaan dividen kas Receipt of cash dividends 11,789 10,564 1,225 11.60%
Pembayaran atas jatuh tempo Surat berharga Payment of maturity Securities held to - - - -
yang dimiliki hingga atuh tempo - neto maturity - net
Penambahan penyertaan Saham Addition to shares investment - (10,140) 10.140 (100.00%)
Pembelian aset tetap Purchase of fixed assets (159,446) (220,779) 61,333 (27.78%)
Hasil penjualan aset tetap Proceeds from sale of fixed assets 35 15 (15) 133.33%
Arus kas neto (digunakan untuk)/ Net cash flow (used for) / obtained from (147,622) (220,340) (125,588) (57.00%)
diperoleh dari aktivitas investasi investment activities
Arus Kas dari Aktivitas Pendanaan Cash Flow from Funding Activities
Arus kas neto diperoleh dari aktivitas Net cash flow obtained from funding activities in
pendanaan tahun 2019 mencapai Rp1.450.216 2019 reached IDR1.450.216 million, decreasing
juta menurun 49,32% dibandingkan tahun 2018 49,32% compared to 2018 which reached
yang mencapai Rp2,861,735 juta. Penurunan IDR2,861,735 million. The decrease was due to a
tersebut karena menurunnya penerimaan dari decrease in receipts from loans received by 48.33%.
pinjaman yang diterima sebesar 48,33%.
Pertumbuhan
Growth
Uraian Description 2019 2018
Rp
%
IDR
(1) (1) (2) (3) (4) = (2)-(3) (5) = (4)/(3)
Penanaman modal Capital investment - 270,742 (270,742) (100.00%)
Penerimaan dari pinjaman yang diterima Receipts from loans received 2,082,867 4,031,040 (1,948,173) (48.33%)
Pembayaran dividen kas Payment of cash dividends (879,586) (875,575) (4,013) 0.46%
Efek-efek yang dijual dengan janji dibeli Securities sold under agreement to 248,000 (564,472) 812,472 (143.93%)
kembali repurchase
Hasil efek hutang yang diterbitkan Results of debt securities issued (1,065) 0 (1,065) -
Arus kas neto diperoleh dari aktivitas Net cash flow obtained from funding 1,450,216 2,861,735 (1,411,519) (49.32%)
pendanaan activities
Pada tahun 2019, CAR Bank mencapai 17,71% In 2019, Bank CAR reached 17.71% (bank only), an
(bank only), mengalami peningkatan jika increase compared to 2018 CAR reached 18.63%
dibandingkan dengan CAR tahun 2018 sebesar (bank only). In accordance with Bank Indonesia
18,63% (bank only). Sesuai dengan Peraturan Regulation (BI) based on POJK Number 11 /
Bank Indonesia (BI) berdasarkan POJK Nomor POJK.03 / 2016 dated January 29, 2016 concerning
11/POJK.03/2016 tanggal 29 Januari 2016 the Minimum Capital Requirement for Commercial
perihal Kewajiban Penyediaan Modal Minimum Banks the CAR set by BI is 14%.
Bank Umum CAR minimum yang ditetapkan BI
adalah sebesar 14%.
Dengan rasio CAR berada pada tingkat 17,7%, With the CAR ratio at the level of 17,7%, the
struktur permodalan Perseroan memiliki Company capital structure has the capability to
kapabilitas untuk mengimbangi risiko pasar, offset market risk, credit risk, and operational risk
risiko kredit, dan risiko operasional di mana where the ratio is higher than the BI minimum
rasio tersebut lebih tinggi dari rasio kecukupan adequacy ratio and the Company capital structure
minimum BI dan struktur modal Perseroan meets BI regulations. This means that Company
sudah memenuhi Peraturan BI. Hal ini berarti has managed the Bank’s capital well and has
bahwa Perseroan telah mengelola dengan baik sufficient capital to protect it from solvency risk.
modal Bank dan memiliki kecukupan modal
untuk melindungi dari risiko solvabilitas.
Aset Produktif Bermasalah Terhadap Total Problematic Earning Assets Against Total 1.34 1.32
Aset Produktif Earning Assets
Cadangan Kerugian Penurunan Nilai Allowance for Impairment Losses (CKPN) 0.68 0.65
(CKPN) Aset Keuangan terhadap Aset of Financial Assets against Earning Assets
Produktif
NPL NPL
NPL Gross NPL Gross 1.58 1.65
NPL Nett NPL Nett 0.81 0.90
Return on Asset (ROA) Return on Asset (ROA) 1.68 1.71
Return on Equity (ROE) Return on Equity (ROE) 16.51 18.31
Net Interest Margin (NIM) Net Interest Margin (NIM) 5.75 6.38
Biaya Operasional terhadap Pendapatan Operating Costs to Operating Income 84.23 84.22
Operasional (BOPO)
Loan to Deposit Ratio (LDR) Loan to Deposit Ratio (LDR) 97.81 91.89
RASIO KEPATUHAN (COMPLIANCE) COMPLIANCE RATIO
Persentase Pelanggaran BMPK Percentage of Maximum Lending Limit
Violations
Pihak Terkait Related parties 0 0
Pihak Tidak Terkait Unrelated Party 0 0
Persentase Pelampauan BMPK Percentage of Maximum Lending Limit
Exceeding
Pihak Terkait Related parties 0 0
Pihak Tidak Terkait Unrelated Party 0 0
Giro Wajib Minimum Statutory Reserve Requirement (SRR)
GWM Utama Rupiah IDR Main SRR 6.52 7.34
GWM Valuta Asing Foreign Exchange SRR 8.50 8.66
Posisi Devisa Neto (PDN) secara Whole Net Open Position (NOP) 1.11 1.72
keseluruhan
Kemampuan Membayar Utang dari Ability To Pay Debt From Published Effects
Efek-Efek yang Diterbitkan
Kemampuan membayar utang juga dapat The ability to pay debts can also be reflected based
tercermin berdasarkan peringkat dari efek- on the ranking of securities issued by the Bank,
efek yang diterbitkan Bank yaitu Obligasi. Efek- namely Bonds. Securities issued are routinely
efek yang diterbitkan secara rutin dinilai oleh assessed by rating agencies to support the
lembaga pemeringkatan guna mendukung feasibility of securities. The quality of securities is
kelayakan efek. Kualitas efek sangat ditentukan largely determined by the ability of the securities
oleh kemampuan perusahaan penerbit efek issuer to pay for its securities when they are due
dalam membayar efek nya pada saat jatuh and their ability to pay interest or coupons during
tempo dan kemampuannya membayar bunga the period of issuance of the securities.
atau kupon selama jangka waktu penerbitan
efek tersebut.
Peringkat
Keterangan Description
2019 2018
Obligasi Bonds
Obligasi Berkelanjutan I bank bjb Tahap II Tahun 2018 Sustainable bond I of bank bjb phase II 2018
Series A
AA- oleh Pefindo AA- oleh Pefindo
Seri A Id Id
Obligasi Berkelanjutan I bank bjb Tahap II Tahun 2018 Sustainable bond I of bank bjb phase II 2018
Series B
AA- oleh Pefindo AA- oleh Pefindo
Seri B Id Id
Obligasi Berkelanjutan I bank bjb Tahap III Tahun 2019 Sustainable bond I of bank bjb phase III 2019 Id
AA- oleh Pefindo Id
AA- oleh Pefindo
Seri A Series A
Obligasi Berkelanjutan I bank bjb Tahap III Tahun 2019 Sustainable bond I of bank bjb phase III 2019
Series B AA- oleh Pefindo AA- oleh Pefindo
Seri B Id Id
Obligasi Berkelanjutan I bank bjb Tahap III Tahun 2019 Sustainable bond I of bank bjb phase III 2019
Series C AA- oleh Pefindo AA- oleh Pefindo
Seri C Id Id
Id
AA Hanya berbeda tipis dengan idAAA, tingkat idAA Only slightly different from idAAA, the idAA level
berarti memiliki kapasitas yang sangat kuat dalam means it has a very strong capacity in long-
long-term financial commitments dibandingkan term financial commitments compared to other
Indonesian obligors.
Pefindo Rating dengan obligor Indonesia lainnya.
Tanda minus (-) Pada peringkat tertentu menunjukkan bahwa Certain ranks indicate that the rank is relatively
Minus sign (-) peringkat tersebut relatif lemah dalam masing- weak in each rating category.
masing kategori peringkat.
No.12/11/DPNP tanggal 31 Maret 2010 dan SE- SE-BI No.12 / 11 / DPNP dated March 31, 2010 and
BI No. 13/30/DPNP tanggal 16 Desember 2011. SE-BI No. 13/30 / DPNP on December 16, 2011.
Rincian kredit segmen konvensional yang Details of conventional segment loans provided
diberikan berdasarkan kolektibilitas adalah based on collectability are as follows.
sebagai berikut.
Di sisi lain, uraian terkait kredit non-performing On the other hand, the description related to non-
berdasarkan sektor ekonomi diuraiakan sebagai performing loans based on economic sectors is
berikut. described as follows.
Rasio kredit yang diberikan non-performing The ratio of non-performing loans - gross to
- kotor terhadap total kredit yang diberikan total loans granted was 1.63% and 1.68% as of
adalah 1,63% dan 1,68% masing-masing pada December 31, 2019 and 2018. The ratio of non-
tanggal 31 Desember 2019 dan 2018. Rasio performing loans - net to total loans granted was
kredit yang diberikan non-performing - bersih 0,85% dan 0.94% respectively of December 31,
terhadap total kredit yang diberikan adalah 2019 and 2018.
0,85% dan 0,94% masing-masing pada tanggal
31 Desember 2019 dan 2018.
Rasio kredit non-performing - kotor terhadap total The ratio of non-performing loans - gross to total
kredit (entitas induk) adalah 1,58% dan 1,65% loans (parent entity) was 1.58% and 1.65% as of
masing-masing pada tanggal 31 Desember 2019 December 31, 2019 and 2018., while for the ratio of
dan 2018., sedangkan untuk rasio kredit non- non-performing loans - net to total loans (parent)
performing - bersih terhadap total kredit (entitas is 0.82% and 0.90% respectively of December 31,
induk) adalah 0,82% dan 0,90% masing-masing 2019 and 2018.
pada tanggal 31 Desember 2019 dan 2018.
Di sisi lain, pembiayaan dengan prinsip syariah On the other hand, financing with sharia principles
seluruhnya diberikan dalam mata uang Rupiah. is all in IDR. The details of sharia segment financing
Adapun rincian pembiayaan segmen syariah provided based on the type of collectability are
yang diberikan berdasarkan jenis kolektibilitas described in the following table.
diuraikan ke dalam tabel sebagai berikut.
2019 2018
Dalam Dalam
Kurang Kurang
Uraian Description Perhatian Perhatian
Lancar lancar Diragukan Macet Total Lancar lancar Diragukan Macet Total
Khusus Khusus
Smooth Less Doubt Stop Total Smooth Less Doubt Stop Total
Special Special
smooth smooth
attention attention
Pihak ketiga Third Party
Modal kerja Working capital 3,254,629 118,161 8 ,933 4,892 95,007 3,481,622 630,299 102,798 1,491 451 30,137 765,176
Investasi Investment 819,140 123,834 20,430 155 16,707 980,266 369,798 45,898 15,545 1,465 40,273 472,979
Konsumsi Consumption 596,366 6 9,152 1,204 - 45,173 711,895 2,954,717 146,623 18,775 11,730 93,215 3,225,060
Sindikasi Syndication 94,630 - - - - 94,630 79,544 2,214 - - - 81,758
Karyawan Employee 133,646 - - - - 133,646 96,965 - - - - 96,965
Total Total 4,898,411 311,147 30,567 5,047 156,887 5,402,059 4,131,323 297,533 35,811 13,646 163,625 4,641,938
Cadangan kerugian Allowance for
(14,139) (5,530) (4,428) (1,007) (105,998) (131,102) (11,156) (6,095) (1,559) (2,614) (117,629) (139,053)
penurunan nilai impairment losses
Neto Net 4,884,272 3 05,617 26,139 4 ,040 50,889 5,270,957 4,120,167 291,438 34,252 11,032 45,996 4,502,885
Pada tanggal 31 Desember 2019 dan 2018, As of December 31, 2019 and 2018, the ratio of
rasio pembiayaan syariah non-performing-kotor gross non-performing sharia financing to total
terhadap jumlah pembiayaan syariah masing- sharia financing amounted to 3,56% and 4.59%,
masing sebesar 3,56% dan 4,59%. Sedangkan respectively. Whereas the ratio of non-performing-
rasio pembiayaan syariah non-performing-neto net Islamic financing to the amount of Islamic
terhadap jumlah pembiayaan syariah pada financing as at December 31, 2018 and 2017 was
tanggal 31 Desember 2018 dan 2017, masing- respectively 1,50% and 1.97%.
masing sebesar1,50% dan 1,97%.
Komponen permodalan bank didominasi The bank capital component is dominated by the
oleh komponen permodalan yang bersifat permanent capital component, where the core
permanen, dimana komponen modal inti capital component is the largest component in
merupakan komponen terbesar dalam struktur the bank capital structure. In December 2019, the
permodalan bank. Pada posisi bulan Desember ratio of bank core capital both individually and
2019, rasio modal inti bank baik secara individual consolidated to total bank RWA reached 18.02%
dan konsolidasi terhadap total ATMR bank and 16.57%. The ratio is above the provisions set by
mencapai 18,02% dan 16,57%. Rasio tersebut Bank Indonesia with a minimum limit of 6% both
berada diatas ketentuan yang ditetapkan oleh individually and consolidated. The calculation of
Bank Indonesia dengan batasan minimum yaitu the ratio of main core capital (Common Equity Tier
6% baik secara individual maupun konsolidasi.
Perhitungan rasio modal inti utama (Common
Equity Tier 1 Ratio) terhadap total ATMR bank 1 Ratio) to total bank RWA both individually and
baik secara individual dan konsolidasi di bulan consolidated in December 2019 reached 15.56%
Desember 2019 mencapai 15,56% dan 14,26% and 14.26% which is above the stipulations set by
yang berada diatas ketentuan yang telah Bank Indonesia with a minimum limit of 4, 50%
ditetapkan Bank Indonesia dengan batasan
minimum yaitu 4,50%.
2019 2018
Komponen Modal
Capital Components Konsolidasi Konsolidasi
Bank Bank
Consolidation Consolidation
2 Cadangan Tambahan Modal 2. Additional Capital Reserves 8,912,005 7,441,389 9,586,956 9.588.135
4 Faktor Pengurang Modal Inti 4. Core Capital Reduction Factors (1,426,211) (2,274,745) (1,217,161) (1.234.009)
1 Level Atas (Upper Tier 2) 1. Upper Level (Upper Tier 2) 1,574,688 1,596,250 1,512,999 1.534.151
2 Level Bawah (Lower Tier 2) Maksimum 2. Lower Level (Lower Tier 2) Maximum 50% - - - -
50% Modal Inti Core Capital
C Faktor Pengurang Modal inti Dan Modal Deduction Factors for Core Capital and - - - -
Pelengkap Complementary Capital
II Total Modal inti Dan Modal Pelengkap (A Total Core Capital and Supplementary 11.391.189 11,300,232 11,039,180 12,140,814
+ B - C) Capital (A + B - C)
III Total Modal inti, Modal Pelengkap,Dan Total Core Capital, Supplementary 11.391.189 11,300,232 11,039,180 12,140,814
Modal Pelengkap Tambahan Yang Capital, and Additional Supplementary
Dialokasikan Untuk Mengantisipasi Risiko Capital Allocated to Anticipate Market
Pasar (A + B - C + E) Risk (A + B - C + E)
IV Aset Tertimbang Menurut Risiko (ATMR) Risk Weighted Assets For Credit Risk 51.173.126 55,524,047 46,234,454 50,174,102
Untuk Risiko Kredit
2019 2018
Komponen Modal
Capital Components Konsolidasi Konsolidasi
Bank Bank
Consolidation Consolidation
V Aset Tertimbang Menurut Risiko (ATMR) Risk Weighted Assets For Operational Risk 12.938.091 13,627,949 11,744,201 1,264,770
Untuk Risiko Operasional
VI Aset Tertimbang Menurut Risiko (ATMR) Risk Weighted Assets For Market Risk 196.845 196,845 1,264,770 12,407,944
Untuk Risiko Pasar
VII Rasio Kewajiban PeNyediaan Modal Minimum Capital Requirement Ratio for 17.71% 16.29% 18.63% 19.02%
Minimum Untuk Risiko Kredit, Risiko Credit Risk, Operational Risk and Market
Operasional Dan Risiko Pasar [III : (IV + V Risk [III: (IV + V + VI)]
+ VI)]
2019 2018
Komponen Modal
Capital Components Konsolidasi Konsolidasi
Bank Bank
Consolidation Consolidation
B Cadangan B Reserves - - - -
C Laba (rugi) tahun-tahun lalu yang C Income (loss) in the past years (100%) - - - -
dapat diperhitungkan (100%)
Eksposur sekuritisasi - - - -
II MODAL BANK ASING (Jumlah A s.d L-M) II FOREIGN BANK CAPITAL (Amounts A s, d L-M) - - - -
III ASET TERTIMBANG MENURUT RISIKO III RISK WEIGHED ASSETS (RWA) FOR CREDIT - - - -
(ATMR) UNTUK RISIKO KREDIT RISK
V ASET TERTIMBANG MENURUT RISIKO V RISK WEIGHED ASSETS (RWA) FOR MARKET - - - -
(ATMR) UNTUK RISIKO PASAR RISK
2019 2018
Komponen Modal
Capital Components Konsolidasi Konsolidasi
Bank Bank
Consolidation Consolidation
VII Rasio Kewajiban Penyediaan Modal VII MINIMUM CAPITAL SUPPLY LIABILITY RATIO - - - -
Minimum Untuk Risiko Kredit, Risiko / FOR CREDIT RISK, AND OPERATIONAL RISK
Operasional dan Risiko Pasar MARKET RISK
[III : (IV + V + VI)] [III: (IV + V + VI)]
Pengukuran internal yang dilakukan bank Internal measurements made by banks have
telah memperhitungkan Pilar I dan Pilar II yaitu taken into account Pillar I and Pillar II, namely the
rasio kecukupan modal bank minimum sesuai minimum bank capital adequacy ratio according
profil risiko baik secara individual maupun to risk profiles both individually and consolidated
konsolidasi di bulan Desember 2019 mencapai in December 2019, reaching 9.25% where the
9,25% dimana hasil pengukuran profil risiko results of the measurement of bank risk profiles for
bank pada periode tersebut berada pada level the period were at the composite level Low level to
peringkat komposit Low to Moderate. Pada Moderate. In December 2019, the bank’s minimum
posisi bulan Desember 2019, rasio kecukupan capital adequacy ratio, both individually and
modal minimum bank baik secara individual consolidated, was 11.75%, so the bank’s capital
maupun konsolidasi sebesar 11,75% sehingga adequacy ratio was above the minimum bank
rasio kecukupan modal bank tersebut berada capital adequacy ratio according to the bank’s risk
diatas ketentuan rasio kecukupan modal bank profile, which was 9.25%.
minimum sesuai profil risiko bank yaitu 9,25%.
Sejalan telah diterbitkannya POJK Nomor 11/ In line with the issuance of POJK Number 11 /
POJK.03/2016 tanggal 29 Januari 2016 perihal POJK.03 / 2016 dated January 29, 2016 concerning
Kewajiban Penyediaan Modal Minimum Bank the Minimum Capital Requirement for Commercial
Umum, saat ini bank telah mempersiapkan Banks, currently the bank has prepared a good
infrastruktur yang baik dan efektif dalam rangka
memastikan implementasi POJK tersebut tidak and effective infrastructure in order to ensure the
mengganggu ekspansi bisnis dan aktivitas implementation of the POJK does not disrupt the
operasional Perseroan. Sesuai POJK tersebut, business expansion and operational activities of
bank harus menyediakan rasio kecukupan the Company. In accordance with the POJK, banks
modal minimum sesuai profil risiko bank must provide a minimum capital adequacy ratio
ditambah dengan Capital Conservation Buffer, according to the bank’s risk profile plus a Capital
Countercylical Buffer dan Capital Surcharge untuk Conservation Buffer, Countercylical Buffer and
D-SIB (Domestic Systemically Important Bank). Capital Surcharge for D-SIB (Domestic Systemically
Capital Conservation Buffer tersebut diperlukan Important Bank). The Capital Conservation
oleh bank sebagai upaya penyangga (buffer) Buffer is needed by banks as a buffering effort in
dalam menghadapi kerugian akibat kondisi krisis, dealing with losses due to crisis conditions, while
sedangkan Countercylical Buffer dibutuhkan the Countercylical Buffer is needed by banks as
bank sebagai tambahan modal penyangga additional buffer capital to anticipate losses in
untuk mengantisipasi kerugian apabila terjadi the event of excessive bank credit growth that
pertumbuhan kredit perbankan yang berlebihan has the potential to disrupt financial system
sehingga berpotensi mengganggu stabilitas stability. Determination of the Capital Surcharge
sistem keuangan. Penetapan Capital Surcharge is required for Company which has been made
tersebut diperlukan bagi Perseroan yang telah a systemic bank status where the bank needs to
dijadikan status bank sistemik dimana bank provide additional capital that serves to reduce the
perlu menyediakan tambahan modal yang negative impact on financial system stability and
berfungsi untuk mengurangi dampak negatif the economy in the event of bank failures that have
terhadap stabilitas sistem keuangan dan a systemic impact through increasing the Bank’s
perekonomian apabila terjadi kegagalan Bank ability to absorb losses.
yang berdampak sistemik melalui peningkatan
kemampuan Bank dalam menyerap kerugian.
Pengelolaan modal risiko kredit Perseroan The management of Company credit risk is guided
berpedoman pada Surat Edaran Otoritas Jasa by the Financial Services Authority Circular Letter
Keuangan Nomor 42/SEOJK.03/2016 tanggal 28 Number 42 / SEOJK.03 / 2016 dated 28 September
September 2016 perihal Pedoman Perhitungan 2016 concerning Guidelines for Calculating Risk
Aset Tertimbang Menurut Risiko untuk Risiko Weighted Assets for Risk for Credit Risk by Using
Kredit dengan Menggunakan Pendekatan a Standardized Approach. The determination of
Standar. Penetapan bobot risiko pada risk weight in the calculation of RWA refers to the
perhitungan ATMR mengacu kepada bobot risk weight in accordance with the provisions of the
risiko sesuai ketentuan Otoritas Jasa Keuangan Financial Services Authority in question.
dimaksud.
Dalam mengukur ATMR Risiko Pasar, bank masih In measuring Market Risk RWA, banks still use the
mempergunakan format standardized method standardized method format which includes the
yang meliputi perhitungan risiko suku bunga calculation of interest rate risk and exchange rate
dan risiko nilai tukar. Sesuai dengan pedoman risk. In accordance with the guidelines set by Bank
yang ditetapkan oleh Bank Indonesia, risiko Indonesia, market risks that must be calculated by
pasar yang wajib dihitung oleh Bank adalah the Bank are interest rate risk in the trading book
risiko suku bunga di trading book dan risiko nilai and exchange rate risk in the trading book and
tukar di trading book dan banking book. Sebagai banking book. As an effort to develop the internal
upaya ke tahap pengembangan internal model, model, the bank has an OPICS Risk information
bank telah memiliki sistem informasi OPICS Risk system that functions in measuring Value at Risk,
yang berfungsi dalam mengukur Value at Risk , and risk sensitivity from dealing room portfolio for
dan sensitivitas risiko dari portfolio dealing room each securities categorized in the Trading Book.
untuk setiap efek yang dikategorikan ke dalam
Trading Book.
Ekspansi Expansion
Sepanjang tahun 2019, Perseroan melakukan During 2019, Company expanded, which is
ekspansi yang diuraikan dalam tabel berikut. described in the following table.
Divestasi Divestment
Sepanjang tahun 2019, Perseroan tidak During 2019, Company did not conduct
melakukan kegiatan divestasi. divestment activities.
Akuisisi Acquisition
Sepanjang tahun 2019, Perseroan tidak Throughout 2019, Company did not conduct
melakukan kegiatan akuisisi. acquisition activities.
Perbandingan Target dan Realisasi Keuangan Comparison Of Targets And Financial Realization
Secara umum, pencapaian target Perseroan In general, the achievement of the Company target
pada tahun 2019 telah menunjukkan hasil yang in 2019 has shown good results. The comparison
baik. Adapun perbandingan target dan realisasi of targets and realization are presented as follows.
disajikan sebagai berikut.
Perseroan pada tahun 2019 berhasil Company in 2019 successfully exceeded the
melampaui target aset sebesar 103,09% asset target of 103.09% with the realization of
dengan realisasi mencapai Rp123.536.474 juta. IDR123,536,474 million. Achievement of the loan
Pencapaian target kredit yang diberikan sedikit target is slightly below the target of 98.56% due
di bawah target yaitu sebesar 98,56% karena to the weakening demand for productive credit.
melemahnya permintaan kredit produktif, selain In addition, lending in this sector was carried out
itu penyaluran kredit sektor ini dilakukan secara carefully given the condition of the Indonesian
hati-hati mengingat kondisi perekonomian economy was stagnant at 5%, so it was feared
Indoensia berjalan stagnan di 5%, sehingga it could lead to non-performance. By lending a
dikhawatirkan dapat menimbulkan non very prudent credit, the Company NPL can be
perform. Dengan melakukan penyaluran kredit maintained at the level of 1.58% or lower than the
yang sangat prudent ini NPL Perseroan dapat target of 1.70%.
terjaga di level 1,58% atau lebih rendah dari
target sebesar 1,70%.
Pencapaian laba sebelum pajak dan laba The achievement of profit before tax and profit
setelah pajak masing-masing sebesar 96,47% after tax were 96.47% and 94.34%, respectively,
dan 94,34% sedikit berada di bawah target yang slightly below the target set. CAR ratio was reached
ditetapkan. Rasio CAR tercapai sebesar 17,71% at 17.71% from the target of 18.83% or smaller
dari target 18,83% atau lebih kecil sebesar at 1.13% due to the delay in the realization of
1,13% yang disebabkan karena ditundanya PMTHMETD and subordinated bonds. Realized
realisasi PMTHMETD dan Obligasi subordinasi. ROE of 16,51% or lower than the target of 18.19%.
ROE terealisasi 16,51% atau lebih rendah dari The cause of not achieving ROE is the realization
target 18,19%. Penyebab tidak tercapainya ROE of net profit which is lower than the target. Going
adalah realisasi laba bersih yang lebih rendah forward, the Company will always evaluate the
dari target. Ke depannya Perseroan akan implementation of the strategy set, so that the
senantiasa melakukan evaluasi pelaksanaan performance of the Company in the future will
strategi yang telah ditetapkan, sehingga kinerja continue to experience continuous improvement.
Perseroan di masa yang akan datang akan
senantiasa mengalami peningkatan secara
berkelanjutan.
Pencapaian target pegawai tahun 2019 sebesar Achievement of employee target in 2019 of 98.60%,
98,60%, berada di bawah target. Hal tersebut is below the target. This is due to an increase in
karena adanya peningkatan turnover pegawai dominant employee turnover in Quarter IV of 2020
yang dominan di Triwulan IV Tahun 2020 (the period of achievement data position).
(periode posisi data pencapaian).
Peristiwa-peristiwa tersebut di atas The events mentioned above cause the projected
menyebabkan proyeksi pertumbuhan dunia world growth will only grow by 3.20% in 2019
diprediksi hanya akan tumbuh sebesar 3,20% di while in 2020 it will grow slightly higher by 3.50%.
tahun 2019 sedangkan di tahun 2020 tumbuh The improvement in global economic growth
sedikit lebih tinggi sebesar 3,50%. Perbaikan is predicted to be supported more by growth
pertumbuhan ekonomi global diprediksikan from developing countries initiated by economic
lebih banyak ditopang oleh pertumbuhan dari acceleration in India and countries in the ASEAN-5
negara-negara berkembang yang diinisiasi oleh Region.
akselerasi perekonomian di India dan negara di
Kawasan ASEAN-5.
Meskipun perekomian global diprediksi tumbuh Even though the global economy is predicted to
melambat, tetapi tidak demikian dengan slow down, this is not the case for the Indonesian
perekonomian Indonesia di tahun 2020. economy in 2020. The government is optimistic
Pemerintah optimis memproyeksikan peluang that projecting opportunities for Indonesia’s
pertumbuhan ekonomi Indonesia tidak akan economic growth will not be too different from
terlalu jauh berbeda dengan tahun 2019. 2019. Indonesia’s economic growth is expected
Pertumbuhan ekonomi Indonesia diharapkan to reach 5.30, driven by the assumption of public
mencapai angka 5,30 hal tersebut didorong oleh consumption is expected to continue to increase
asumsi konsumsi masyarakat yang diperkirakan as inflation is maintained at 3.1% with a strong
akan terus meningkat seiring inflasi tetap terjaga labor market. From the investment side, the
3,1% dengan pasar tenaga kerja yang kuat. government continues to make efforts to enhance
Dari sisi investasi, pemerintah terus berupaya the investment needs of the Gross Fixed Capital
melakukan enhancement kebutuhan investasi Formation (PMTB) in the range of 6% or a nominal
Pembentukan Modal Tetap Bruto (PMTB) di IDR5,668.1 trillion which is expected to be fulfilled
kisaran 6% atau dengan nominal Rp5.668,1 by the banking sector, the rest by the government
triliun yang diharapkan dapat dipenuhi oleh and the private sector.
sektor perbankan, sisanya oleh pemerintah dan
swasta.
Agar pertumbuhan tahun 2020 tetap terjaga di In order to maintain growth in the range of 5%
kisaran 5%, maka pemerintah berupaya untuk in 2020, the government seeks to maintain the
menjaga kestabilan nilai tukar Rupiah terhadap stability of the exchange rate of the IDR against
US dollar di kisaran Rp14.400/USD, nilai tukar the US dollar in the range of IDR14,400 / USD, this
ini diperlukan untuk menjaga keseimbangan exchange rate is needed to maintain the balance of
defisit neraca pembayaran (Current Account the balance of payments deficit (Current Account
Deficit - CAD). Pengelolaan CAD menjadi fokus Deficit (CAD). CAD management is the focus of the
pemerintah karena CAD dapat berdampak government because CAD can negatively impact
negatif terhadap pertumbuhan ekonomi. economic growth. The stable exchange rate of the
Stabilnya nilai tukar Rupiah terhadap US Dollar IDR against the US Dollar is needed to safeguard
diperlukan untuk menjaga utang luar negeri dan foreign debt and imports, especially from the
impor terutama dari sektor swasta mengingat private sector, given the government’s desire to
pemerintah berkeinginan untuk menggenjot boost PMTB.
PMTB.
Sementara itu untuk menjaga kestabilan sistem Meanwhile, to maintain financial system stability,
keuangan terutama nilai tukar Rupiah, Bank especially the IDR exchange rate, Bank Indonesia
Indonesia memutuskan untuk menurunkan decided to reduce the BI 7 Day Reverse Repo
tingkat bunga acuan BI 7 Day Reverse Repo reference rate to 5.5% in August 2019. The decline
menjadi 5,5% pada Agustus 2019. Penurunan was taken by BI because the Fed Fund Rate lowered
tersebut ditempuh oleh BI karena Fed Fund Rate the interest rate to 2, 25% in July 2019.
menurunkan tingkat suku bunganya menjadi
2,25% pada Juli 2019.
Sejalan dengan pertumbuhan ekonomi In line with domestic economic growth that
domestik yang tetap tumbuh di kisaran 5%, continues to grow in the range of 5%, investment
maka kebutuhan investasi meningkat sehingga needs have increased to boost the banking
mendongkrak peluang pertumbuhan bisnis business growth opportunities, especially in terms
perbankan, terutama dari segi lending. Untuk of lending. For 2020 credit growth, the Financial
pertumbuhan kredit tahun 2020, Otoritas Services Authority (OJK) is projecting to grow by
Jasa Keuangan (OJK) memproyeksikan tumbuh 12% -13%, while DPK will grow in the range of
sebesar 12%-13%, sementara DPK akan tumbuh 10% -12% while the relatively high DPK growth will
pada kisaran 10%-12% adapun pertumbuhan encourage assets to grow by 13% -15%.
DPK yang cukup tinggi akan mendorong aset
untuk tumbuh sebesar 13%-15%.
Sementara itu Bank Indonesia (BI) Meanwhile Bank Indonesia (BI) is forecasting
memprakirakan pertumbuhan kredit perbankan growth in bank lending in the range of 10% -12% in
dalam kisaran 10%-12% pada 2019 dan 11%- 2019 and 11% -13% in 2020, while DPK is predicted
13% pada 2020, sementara DPK diprakirakan in the range of 7% -9% in 2019 and 8% -10% in
dalam kisaran 7%-9% pada 2019 dan 8%- 2020. This was driven by financial system stability
10% pada 2020. Hal tersebut didorong oleh that was maintained as well as being supported
stabilitas sistem keuangan yang terjaga juga by the performance of going public corporations
ditopang kinerja korporasi go public yang tetap that remained good as the ability to pay remained
baik seiring kemampuan membayar yang tetap healthy. Going forward, BI views open space
sehat. Ke depan, BI memandang terbuka ruang for accommodative macroprudential policies
kebijakan makroprudensial yang akomodatif to encourage credit growth without disrupting
untuk mendorong pertumbuhan kredit tanpa financial system stability.
mengganggu stabilitas sistem keuangan.
Dengan ketidakpastian yang ada dalam dunia With the uncertainty that exists in the banking
perbankan, Perseroan memiliki peluang untuk world, Company have the opportunity to grow.
tumbuh. Peluang yang dimiliki Perseroan antara Opportunities owned by the Company include the
lain sebeagai berikut: following:
1. Penurunan GWM oleh Bank Indonesia
diprediksi akan membuat likuiditas 1. The decline in the reserve requirement by
perbankan bertambah sehingga Perseroan Indonesian bankers is predicted to increase
dapat memanfaatkan penurunan GWM ini bank liquidity so that the Company can take
untuk melakukan ekspansi kredit. advantage of the reduction in the reserve
2. Berdasarkan skala pasar, sebagian besar requirement to expand credit.
Kantor Cabang Perseroan masih menjadi 2. Based on market scale, most of the Company
market nichers di wilayah operasionalnya branch offices are still market nichers in their
sehingga masih memiliki peluang yang cukup operational areas so that they still have a large
besar untuk meningkatkan pangsa pasarnya enough opportunity to increase their market
baik dari sisi aset, dana pihak ketiga, maupun share in terms of assets, third party funds, and
kredit. credit.
3. Semakin meningkatnya literasi keuangan 3. Increasing public financial literacy through
masyarakat melalui program yang programs launched by BI and OJK in order to
dicanangkan oleh BI dan OJK dalam rangka implement inclusive financial policies as a form
menerapkan kebijakan keuangan inklusif of financial service deepening aimed at the
sebagai suatu bentuk pendalaman layanan public in the bottom of the pyramid to utilize
Keuangan (financial service deepening) yang formal financial products and services such as a
ditujukan kepada masyarakat in the bottom means of saving money (keeping), transferring,
of the pyramid untuk memanfaatkan produk saving as well as loans and insurance.
dan jasa Keuangan formal seperti sarana
menyimpan uang yang aman (keeping),
transfer, menabung maupun pinjaman dan
asuransi.
4. Kegiatan ekonomi yang cukup tinggi 4. High economic activity in West Java Province,
Propinsi Jawa Barat, banten dan DKI Banten and DKI Jakarta is a potential for credit
Jakarta merupakan potensi pengembangan and funding development.
perkreditan dan pendanaan.
5. Dukungan dari Pemerintah Daerah 5. Support from the Regional Government
secara konsisten dan berkesinambungan consistently and continuously in developing the
dalam mengembangkan Perseroan Company as a driver and driver of the economy
sebagai penggerak dan pendorong laju in the region.
perekonomian dai daerah.
6. Peraturan Bank Indonesia (PBI) No. 20/8/ 6. Bank Indonesia Regulation (PBI) No. 20/8 / PBI
PBI tentang Rasio Loan to Value untuk kredit concerning Loan to Value Ratio for property
properti, rasio Financing to Value untuk loans, Financing to Value ratios for property
pembiayaan properti, dan uang muka financing, and advances for loans or motor
untuk kredit atau pembiayaan kendaraan vehicle financing, provide opportunities for bjb
bermotor, menjadi peluang bagi bak bjb banks to increase the distribution of healthy
dalam meningkatkan penyaluran kredit KPR and quality KPR and KKB loans.
dan KKB yang sehat dan berkualitas.
Berdasarkan hal yang telah dijabarkan di atas, Based on what has been described above,
Perseroan optimis untuk dapat senantiasa Company is optimistic to be able to continuously
meningkatkan kinerja dalam jangka pendek improve short-term and long-term performance in
maupun jangka panjang secara berkelanjutan.
Hal ini didasarkan pada kekuatan yang dimiliki a sustainable manner. This is based on the strength
oleh Perseroan yaitu: of the Company, namely:
1. Sebagai intitusi Pengelelola Keuangan Kas 1. As a regional treasury financial management
Daerah, Perseroan memiliki akses yang institution, the Company has broad access in
luas dalam menghimpun dan menyalurkan collecting and distributing public funds and
dana masyarakat serta tercatat sebagai is listed as a publicly listed company on the
perusahaan publik yang melantai di Bursa Indonesia Stock Exchange (BEI) since 2010.
Efek Indonesia (BEI) sejak tahun 2010.
2. Memiliki basis nasabah yang loyal dalam 2. Having a loyal customer base in a very large
jumlah yang sangat besar yaitu Aparatur number, namely the State Civil Apparatus (ASN),
Sipil Negara (ASN), para pensiunan dan pensioners and local communities, especially in
masyarakat lokal, terutama di wilayah Jawa the West Java and Banten regions.
Barat dan Banten.
3. Berada di Provinsi Jawa Barat dan Banten 3. 3. Being in the Province of West Java and Banten
yang mempunyai sumber daya alam yang which have extensive natural resources, human
luas, sumber daya manusia, kawasan resources, large industrial areas and economic
industri besar serta kegiatan ekonomi yang activities that continue to develop.
terus berkembang.
4. Memiliki jaringan kantor yang relatif 4. Has a network of offices that are relatively
menyebar di 14 (empat belas) Provinsi spread across 14 (fourteen) Provinces, especially
terutama Jawa Barat dan Banten serta Jakarta West Java and Banten, and Jakarta, which is the
yang merupakan pusat perekonomian center of the Indonesian economy.
Indonesia.
5. Telah ditunjuknya Perseroan sebagai Bank 5. The appointment of the Company as
Operasional II (BO II) yang melaksanakan Operational Bank II (BO II) which carries out
penyaluran gaji Pemerintah Pusat yang the distribution of salaries to the Central
ditempatkan di daerah. Government which is placed in the Regions
6. Transformasi digital Perseroan melalui 6. Transforming the digital Company through
pengembangan layanan berbasis digital the development of digital-based services such
seperti transaksi bjb Digi menjadi lebih as Digi bjb transactions has become easier,
mudah, karena fitur layanan terintegrasi because the service features are integrated
melalui sistem mobile, seperti Internet through mobile systems, such as Internet
Banking-bjb Net, SMS Banking-bjb SMS, bjb Banking-bjb Net, SMS Banking-bjb SMS, bjb
info. info.
7. Memiliki program pemberdayaan yang 7. Has an empowerment program known
dikenal dengan Pemberdayaan Ekonomi as Integrated Community Economic
Masyarakat Terpadu (PESAT) yang mencakup Empowerment (PESAT) which includes the
program Pesat Sehat dan Produktif, Program Healthy and Productive Rapid Program, the
Pesat kapasitas Usaha dan Program Pesat Rapid Business Capacity Program and the
Wirausaha Baru dalam rangka untuk Rapid Entrepreneurial Rapid Program in order
meningkatkan kompetensi dan kapasitas to improve the competency and capacity of
pelaku Usaha Mikro, Kecil dan Menengah Micro, Small and Medium Enterprises (MSME)
(UMKM). entrepreneurs.
Perseroan optimis bahwa prospek usaha Company is optimistic that the bank’s business
bank akan semakin membaik di tahun depan, prospects will improve in the next year, therefore
oleh karena itu arahan strategi telah disusun the strategic direction has been prepared by
dengan mempertimbangkan dua faktor, yaitu considering two factors, namely organic growth
pertumbuhan organik dengan memperbesar by enlarging the core business of the bank, but it
core business dari bank, namun tidak tertutup is also possible for corporate actions to accelerate
kemungkinan dilakukannya aksi korporasi untuk bank growth in an organic manner The following
mempercepat pertumbuhan bank secara non are directions for management strategies that have
organik. Adapun berikut adalah arahan strategi been established as guidelines for carrying out
manajemen yang telah ditetapkan sebagai business activities in order to improve performance.
pedoman untuk menjalankan aktivitas usaha
dalam rangka meningkatkan kinerja.
Perseroan merupakan bank pembangunan Company is a regional development bank that has
daerah memiliki peran strategis sebagai mitra a strategic role as a partner of the government
pemerintah sekaligus motor percepatan as well as a motor for accelerating regional
pembangunan daerah, oleh karena itu development, therefore the use of competitive
pemanfaatan atas competitive advantage yang advantages in the form of proximity, cultural
berupa faktor kedekatan, pemahaman kultural understanding and regional sociology are key to
dan sosiologi kedaerahan menjadi kunci success in efforts to become a regional champion.
keberhasilan dalam upaya menjadi regional To realize this, starting in 2020 in line with the vision
champion. Untuk mewujudkan hal tersebut, and mission of the Company and the Corporate
mengawali tahun 2020 sejalan dengan visi dan Plan that has been started since 2017, it requires
misi Perseroan serta Corporate Plan yang telah a strategic direction in preparing work plans and
dimulai sejak tahun 2017 maka dibutuhkan budgets in business plans, as follows:
suatu arahan strategi dalam menyusun rencana
kerja dan anggaran dalam rencana bisnis yaitu
sebagai berikut:
1. Memperkuat struktur pendanaan yang 1. Strengthening a robust funding structure
kokoh (besar, murah dan stabil) untuk (large, cheap and stable) to strengthen the core
memperkuat core deposit. deposit.
2. Meningkatkan pertumbuhan kredit yang 2. Increasing the growth of quality loans and
berkualitas dan menekan tingkat rasio kredit reducing the level of non-performing loans.
bermasalah.
3. Peningkatan fee based income melalui 3. Increasing fee-based income through
diversifikasi produk yang kompetitif. competitive product diversification.
4. Memperkuat infrastruktur teknologi 4. Strengthening information technology
informasi sebagai key enabler pengembangan infrastructure as a key enabler for integrated
bisnis secara terpadu dan komprehensif. and comprehensive business development.
5. Memperkuat struktur permodalan dan 5. Strengthening the capital structure and other
bidang lainnya untuk mendukung ruang fields to support the space for expansion,
gerak ekspansi, daya saing dan ketahanan competitiveness and bank resilience.
bank.
6. Penguatan fungsi pengawasan, manajemen 6. Strengthening the functions of supervision, risk
risiko, compliance dan hukum untuk management, compliance and law to achieve
mencapai pertumbuhan bisnis yang sehat healthy and sustainable business growth.
serta berkelanjutan.
Pembagian dividen sesuai dengan hasil RUPST the results of the 2018 AGMS that 57.44% of the
tahun buku 2018 bahwa 57,44% dari laba 2018 fiscal year net income is determined as
bersih tahun buku 2018 ditetapkan sebagai cash dividends and distributed to all registered
dividen tunai dan dibagikan kepada seluruh shareholders in accordance with applicable
pemegang saham yang tercatat sesuai dengan regulations and 42.56% of the 2018 fiscal year
ketentuan yang berlaku dan 42,56% dari laba net income is determined as strengthening of
bersih tahun buku 2018 ditetapkan sebagai Allowance for Impairment Losses in accordance
penguatan Cadangan Kerugian Penurunan Nilai with SFAS 71.
sesuai PSAK 71.
Uraian Description Tahun Buku 2018 Tahun Buku 2017 Tahun Buku 2016
Laba Bersih (jutaan Rp) Net Profit (millions of IDR) 1,531,235 1,211,405 1,153,225
Dividen (jutaan Rp) Dividends (millions of IDR) 879,588 875,575 862,970
Dividen Per Saham (Rp) Dividends Per Share (Rp) 89.4 90.3 89.0
Jumlah lembar saham (lembar) Number of shares (sheets) 9,838,787,161 9,696,291,166 9,696,291,166
Dividend Pay Out Ratio (%) Dividend Pay Out Ratio (%) 57,44% 55.00% 55.00%
Tanggal Pengumuman Announcement Date 30 April 2019 28 Februari 2018 29 Maret 2017
Tanggal Pembayaran Payment date 28 Mei 2019 26 Maret 2018 28 April 2017
Dividen Tunai akan dibagikan kepada pemegang Cash Dividends will be distributed to shareholders
saham yang namanya tercatat dalam Daftar whose names are listed on the Company
Pemegang Saham bank Perseroan (DPS) atau Shareholders List (DPS) or recording date on May
recording date pada tanggal 13 Mei 2019 13, 2019 and / or Company shareholders in the
dan/atau pemilik saham Perseroan pada sub securities sub account at PT Kustodian Sentral Efek
rekening efek di PT Kustodian Sentral Efek Indonesia (KSEI) at the close of trading of shares on
Indonesia (KSEI) pada penutupan perdagangan the Indonesia Stock Exchange on May 13, 2019.
saham di Bursa Efek Indonesia tanggal 13 Mei
2019.
Bagi Pemegang Saham yang sahamnya For Shareholders whose shares are included in
dimasukkan dalam penitipan kolektif KSEI, KSEI’s collective custody, dividend payment
pembayaran dividen tunai dilaksanakan melalui cash will be conducted through KSEI and will be
KSEI dan akan didistribusikan ke dalam rekening distributed to the accounts of Securities Companies
Perusahan Efek dan/atau Bank Kustodian pada and / or Custodian Banks on May 28, 2019. Proof
tanggal 28 Mei 2019. Bukti pembayaran dividen of payment of cash dividends will be delivered by
tunai akan disampaikan oleh KSEI kepada KSEI to Shareholders through Securities Companies
Pemegang Saham melalui Perusahaan Efek and / or Custodian Banks where Shareholders open
dan/atau Bank Kustodian dimana Pemegang their accounts. Whereas for Shareholders whose
Saham membuka rekeningnya. Sedangkan shares are not included in KSEI’s collective custody,
bagi Pemegang Saham yang sahamnya tidak the cash dividend payment will be transferred to
dimasukkan dalam penitipan kolektif KSEI maka the Shareholders’ account.
pembayaran dividen tunai akan ditransfer ke
rekening Pemegang Saham.
Dividen tunai tersebut akan dikenakan pajak Cash dividends will be taxed in accordance with
sesuai dengan peraturan perundang-undangan applicable tax laws. The amount of tax imposed
perpajakan yang berlaku. Jumlah pajak yang will be borne by the relevant Shareholders and
dikenakan akan menjadi tanggungan Pemegang deducted from the amount of cash dividends that
Saham yang bersangkutan serta dipotong are the right of the relevant Shareholders.
dari jumlah dividen tunai yang menjadi hak
Pemegang Saham yang bersangkutan.
Bagi Pemegang Saham yang merupakan For Shareholders who are Domestic Taxpayers in
Wajib Pajak Dalam Negeri yang berbentuk the form of legal entities
badan hukum yang belum mencantumkan has not stated the Taxpayer Identification Number
Nomor Pokok Wajib Pajak (NPWP) diminta (NPWP), is requested to submit NPWP to KSEI or
menyampaikan NPWP kepada KSEI atau Biro the Securities Administration Bureau / BAE of PT
Administrasi Efek/BAE PT Datindo Entrycom Datindo Entrycom (BAE) with the address of Jl.
(BAE) dengan alamat Jl. Hayam Wuruk no.28 Hayam Wuruk no.28 Jakarta 10120 no later than
Jakarta 10120 paling lambat tanggal 13 Mei 2019 May 13, 2019 at 16:00 WIB. Without the inclusion
pada pukul 16.00 WIB. Tanpa pencantuman of NPWP, cash dividends paid to the Domestic
NPWP, dividen tunai yang dibayarkan kepada Taxpayer will be subject to income tax 100% higher
Wajib Pajak Dalam Negeri tersebut akan than the normal rate.
dikenakan tarif PPh lebih tinggi 100% dari tarif
normal.
Bagi Pemegang Saham yang merupakan For Shareholders who are Foreign Taxpayers
Wajib Pajak Luar Negeri yang pemotongan whose tax deductions will use a tariff based on
pajaknya akan menggunakan tarif berdasarkan the Agreement on Double Taxation Avoidance
Persetujuan Penghindaran Pajak Berganda (P3B) (P3B) must meet the requirements of the Director
wajib memenuhi persyaratan Peraturan Direktur General of Taxes Regulation No. PER-25 / PJ /
Jendral Pajak No. PER-25/PJ/2018 tentang Tata 2018 concerning Procedures for Implementing
Cara Penerapan Persetujuan Penghindaran Multiple Tax Avoidance Approval and submitting
Pajak Berganda serta menyampaikan DGT DGT which has been legalized by the Office of
yang telah dilegalisasi oleh Kantor Pelayanan Exchange Entering Tax Services Office to KSEI or
Pajak Perusahaan Masuk Bursa kepada KSEI BAE in accordance with KSEI rules and regulations,
atau BAE sesuai peraturan dan ketentuan KSEI, without the said documents, cash dividends paid
tanpa adanya dokumen dimaksud, dividen tunai will be subject to Income Tax Article 26 of 20%.
yang dibayarkan akan dikenakan PPh Pasal 26
sebesar 20%.
Tabel Rincian Jadwal Pembayaran Dividen Tunai Tahun Buku 2017 dan 2018
Details Table of Cash Dividend Payment Schedule for Fiscal Year 2017 and 2018
Tanggal Daftar Pemegang Saham yang berhak Dividen Date of List of Shareholders entitled to Dividend (Recording 12 Maret 2018 March 12, 2018
(Recording Date) Date)
Tanggal Pembayaran Dividen Tunai Tahun Buku 2017 Cash Dividend Payment Date for Fiscal Year 2017 26 Maret 2018 March 26, 2018
Sampai dengan akhir tahun 2019, Perseroan In 2019, the bjb bank did not implement the
belum melaksanakan program Employee and Employee and Management Stock Allocation
Management Stock Allocation (EMSA) kembali. (EMSA) program.
Dana hasil Penawaran Umum Obligasi setelah The proceeds from the Bond Public Offering after
dikurangi biaya-biaya Emisi seluruhnya akan deducting the issuance costs will be used by the
dipergunakan Perseroan untuk ekspansi kredit. Company for credit expansion. The funds resulting
Dana hasil penerbitan Penawaran Umum from the issuance of the Bank III Phase III Year
Berkelanjutan Obligasi I bank bjb Tahap III 2016 Sustainable Bond Public Offering have all
Tahun 2019 seluruhnya telah dipergunakan been used in accordance with the intended use.
sesuai dengan tujuan penggunaannya.
Sesuai dengan POJK No. 9/2017 tentang Bentuk In accordance with POJK No. 9/2017 concerning
dan Isi Prospektus dan Prospektus Ringkas the Form and Content of the Prospectus and the
Dalam Rangka Penawaran Umum Efek Bersifat Brief Prospectus In the context of a Public Offering
Utang, total biaya yang dikeluarkan Perseroan of Debt Securities, the total cost incurred by the
adalah kurang lebih setara dengan 0,516% Company is approximately equivalent to 0.516%
dari nilai Emisi Obligasi. Semua biaya di bawah of the value of the Bond Issuance. All costs below
ini merupakan presentasi dari total biaya yang are presentations of total costs which include:
meliputi:
-- Biaya jasa untuk Penjamin Emisi Obligasi -- Service fees for Underwriting Fees are
sekitar 0,150% yang termasuk di around 0.150%, which includes 0.120% for
dalamnya adalah 0,120% untuk biaya jasa Management fees, 0.015% Underwriting Fees
penyelenggaraan (Management Fee), 0,015% and 0.015% selling fees (Selling Fees).
biaya jasa penjaminan (Underwriting Fee) dan
0,015% biaya jasa penjualan (Selling Fee).
-- Biaya jasa untuk Profesi Penunjang Pasar -- Service fees for the Capital Market Supporting
Modal sekitar 0,107% yang terdiri dari: Professionals around 0.107% which consist of:
biaya jasa, biaya jasa Konsultan Hukum service fees, legal consultant service fees around
sekitar 0,077% dan biaya jasa Notaris sekitar 0.077% and notary service fees around 0.030%.
0,030%.
-- Biaya Lembaga Penunjang Pasar Modal -- Capital Market Supporting Institution costs
sekitar 0,069% yang terdiri dari: biaya jasa around 0.069% consisting of: Trustee service
Wali Amanat sekitar 0,036% dan Perusahaan costs around 0.036% and Securities Rating
Pemeringkat Efek sekitar 0,033%. Companies around 0.033%.
-- Biaya lain-lain (Bursa Efek, Kustodian, Auditor -- Other costs (Stock Exchange, Custodian,
Penjatahan, Percetakan, Iklan sekitar 0,190%. Allotment Auditor, Printing, Advertising around
0.190%.
Sepanjang tahun 2019, tidak terdapat transaksi During 2019, there were no material transactions
material yang mengandung kategori benturan that contained a category of conflict of interest.
kepentingan.
Sepanjang tahun 2019, tidak terdapat transaksi During 2019, there were no material transactions
material dengan pihak afiliasi. with affiliates.
Suatu pihak dianggap berelasi dengan Bank dan A party is considered to be related to the Bank and
entitas anak jika: its subsidiaries if:
(i). Suatu pihak yang secara langsung. atau (i). A party directly. or indirectly through one or
tidak langsung yang melalui satu atau lebih more intermediaries. a party (i) controls. or
perantara. suatu pihak (i) mengendalikan. controlled by. or are under joint control. with
atau dikendalikan oleh. atau berada di the Bank and subsidiaries; (ii) has significant
bawah pengendalian bersama. dengan influence over the Bank and its subsidiaries;
Bank dan entitas anak; (ii) memiliki or (iii) has joint control over the Bank and
pengaruh signifikan atas Bank dan entitas subsidiaries;
anak; atau (iii) memiliki pengendalian
bersama atas Bank dan entitas anak;
(ii). Suatu pihak yang berada dalam kelompok (ii). A party that is in the same business group as
usaha yang sama dengan Bank dan entitas the Bank and subsidiaries
anak
(iii). Suatu pihak yang merupakan ventura (iii). A party which is a joint venture in which the
bersama di mana Bank dan entitas anak Bank and subsidiary is a venturer;
sebagai venturer;
(iv). Suatu pihak adalah anggota dari personil (v). A party is a member of the Bank’s key
manajemen kunci Bank dan entitas anak; management personnel and subsidiaries;
(v). v. Suatu pihak adalah anggota keluarga (vi). A party is a close family member of the
dekat dari individu yang diuraikan dalam individual described in paragraph (i) or (iv);
butir (i) atau (iv);
(vi). Suatu pihak adalah entitas yang (viii). A party is a controlled entity. jointly controlled
dikendalikan. dikendalikan bersama atau or significantly influenced by several entities.
dipengaruhi signifikan oleh beberapa directly or indirectly. individuals as described
entitas. langsung maupun tidak langsung. in clause (iv) or (v) ;
individu seperti diuraikan dalam butir (iv)
atau (v);
(vii). Suatu pihak adalah suatu program imbalan (xi). A party is a post-employment benefit plan
pasca kerja untuk imbalan kerja dari Bank for employee benefits from the Bank and
dan entitas anak atau entitas terkait Bank subsidiaries or related entities of the Bank
dan entitas anak and subsidiaries
Transaksi dengan pihak-pihak berelasi Transactions with related parties are carried out on
dilakukan dengan syarat dan kondisi yang sama the same terms and conditions as transactions with
dengan transaksi-transaksi dengan pihak ketiga. third parties. Transactions conducted by the Bank
Transaksi yang dilakukan Bank dan entitas and its subsidiaries have fulfilled the regulations
anak telah memenuhi peraturan Otoritas Jasa of the Financial Services Authority (Capital Market
Keuangan (Badan Pengawas Pasar Modal and Financial Institution Supervisory Agency)
dan Lembaga Keuangan) No. IX.E.1 tentang No. IX.E.1 concerning “Affiliated Transactions and
“Transaksi Afiliasi dan Benturan Kepentingan Conflicts of Interest of Certain Transactions”. at the
Transaksi Tertentu”. Pada saat transaksi- time the transactions are made.
transaksi tersebut dilakukan.
Seluruh transaksi dan saldo yang material All material transactions and balances with related
dengan pihak-pihak berelasi diungkapkan parties are disclosed in the notes to the relevant
dalam catatan atas laporan keuangan yang financial statements and the details have been
relevan dan rinciannya telah disajikan dalam presented in the Financial Statements.
Laporan Keuangan.
Nama Pihak yang Bertransaksi dan Sifat Name Of Traveling Parties And Nature Of
Hubungan Relationship
Dalam kegiatan normal usaha, Perseroan dan In the normal course of business, the Company
entitas anak melakukan transaksi dengan pihak and subsidiaries conduct transactions with related
berelasi karena hubungan kepemilikan dan/atau parties due to ownership and / or management
kepengurusan. Semua transaksi dengan pihak- relations. All transactions with related parties have
pihak berelasi telah dilakukan dengan kebijakan been carried out with agreed mutually agreed
dan syarat yang telah disepakati bersama. policies and conditions.
Kewajaran dan Alasan Dilakukannya Reasons And Reasons for the Transaction
Transaksi
Transaksi dengan pihak-pihak berelasi Transactions with related parties are conducted with
dilakukan dengan syarat dan kondisi yang sama the same terms and conditions as transactions with
dengan transaksi-transaksi dengan pihak ketiga third parties (arm’s length). Transactions conducted
(arm’s length). Transaksi yang dilakukan Bank by the Bank and its subsidiaries have complied with
dan entitas anak telah memenuhi peraturan the Financial Services Authority (Capital Market
Otoritas Jasa Keuangan (Badan Pengawas and Financial Institution Supervisory Agency) No.
Pasar Modal dan Lembaga Keuangan) No. IX.E.1 concerning “Affiliated Transactions and
IX.E.1 tentang “Transaksi Afiliasi dan Benturan Conflicts of Interest of Certain Transactions” at
Kepentingan Transaksi Tertentu” pada saat the time the transactions are made. The fairness
transaksi-transaksi tersebut dilakukan. of transactions with related parties has been
Kewajaran transaksi dengan pihak berelasi carried out properly in accordance with statutory
telah dilakukan secara wajar sesuai peraturan regulations. Transactions are carried out on the
perundang-undangan. Transaksi dilakukan atas grounds of the need for a Company and free from
dasar alasan kebutuhan Perseroan dan bebas conflicts of interest.
dari konflik kepentingan.
Selain itu, adapun realisasi transaksi dengan In addition, the realization of transactions with key
manajemen kunci diuraikan dalam tabel sebagai management is described in the following table
berikut.
Tabel Transaksi dengan manajemen Kunci dalam jutaan Rupiah
Transaction table with Key management in million IDR
Seperti telah disampaikan pada bagian As stated in the Conflict of Interest Transaction
Transaksi Benturan Kepentingan, Perseroan section, Company has a policy regarding conflict
telah memiliki kebijakan mengenai transaksi of interest transactions, including transactions
benturan kepentingan, termasuk transaksi with related parties. Material transactions are
dengan pihak berelasi. Transaksi material decided by the highest level officials at each related
diputuskan oleh pejabat tertinggi di setiap level and in the Directors’ Meeting for situations
level terkait dan dalam Rapat Direksi untuk of conflict of interest related to the Directors.
situasi benturan kepentingan yang terkait Material transactions with related parties are
dengan Direksi. Transaksi material dengan decided by always observing the precautionary
pihak berelasi diputuskan dengan senantiasa and independent principles and have fulfilled the
memperhatikan prinsip kehati-hatian dan provisions of the Financial Services Authority and
independen serta telah memenuhi ketentuan other applicable laws and regulations.
Otoritas Jasa Keuangan maupun peraturan
perundang-undangan lain yang berlaku.
Selama tahun 2019, tidak terdapat pelanggaran During 2019, there were no violations of the laws
atas peraturan perundang-undangan terkait and regulations related to transactions with related
dengan transaksi dengan pihak berelasi serta parties and there were no transactions containing
tidak terdapat transaksi yang mengandung conflicts of interest.
benturan kepentingan.
proses yang dilakukan pada lini pertahanan the internal control system, risk management,
pertama dan lini pertahanan kedua untuk and governance processes and systems have
memberikan jaminan independen kepada been effectively implemented.
Bank bahwa sistem pengendalian intern,
manajemen risiko, serta proses dan sistem
tata kelola telah diterapkan secara efektif.
SKAI harus mampu mengevaluasi dan SKAI must be able to evaluate and play an
berperan aktif dalam meningkatkan active role in increasing the effectiveness of
efektivitas pengendalian intern secara internal control on an ongoing basis related
berkesinambungan berkaitan dengan to the implementation of the Bank’s business
pelaksanaan kegiatan usaha Bank yang activities that have the potential to cause
berpotensi menimbulkan kerugian dalam harm in achieving the targets set by the Bank’s
pencapaian sasaran yang telah ditetapkan management. In this case, SKAI protects the
oleh manajemen Bank. Dalam hal ini, SKAI organization and helps reduce the risk of loss
melindungi organisasi serta membantu and reputation risk that may occur to the
mengurangi risiko kerugian dan risiko Bank. Internal Audit Work Unit activities include
reputasi yang mungkin terjadi terhadap the application of Internal Audit Professional
Bank. Kegiatan SKAI mencakup penerapan Standards set by the internal audit profession
Standar Profesional Audit Intern yang association. In connection with the foregoing,
ditetapkan oleh asosiasi profesi audit intern. arrangements are needed regarding the
Sehubungan dengan hal tersebut di atas, application of the internal audit function at
diperlukan pengaturan mengenai penerapan commercial banks.
fungsi audit intern pada bank umum.
Pada Peraturan Otoritas Jasa Keuangan The Financial Services Authority Regulation
Tentang Penerapan Fungsi Audit Intern on the Implementation of the Internal Audit
Pada Bank Umum diatur di dalamnya Function in Commercial Banks regulates the
penyempurnaan ketentuan mengenai improvement of the provisions concerning the
penerapan fungsi audit intern sebagaimana implementation of the internal audit function
diatur dalam PBI No.1/6/PBI/1999. as stipulated in PBI No.1 / 6 / PBI / 1999. The
Perubahan mengakomodir perkembangan amendment accommodates the development
praktik tata kelola dan best practice fungsi of governance practices and best practices of
audit intern yang diterbitkan oleh The Basel the internal audit function issued by The Basel
Committee on Banking Supervision serta Committee on Banking Supervision as well as
standar praktik profesional audit internal professional internal audit practice standards
yang diterbitkan oleh The Institute of Internal issued by The Institute of Internal Auditors. POJK
Auditors. POJK berlaku bagi bank umum applies to conventional commercial banks,
konvensional, termasuk kantor cabang dari including branch offices of banks domiciled
bank yang berkedudukan di luar negeri, serta overseas, as well as sharia commercial banks
bank umum syariah dan unit usaha syariah. and sharia business units.
Dampak dari diterbitkannya POJK Nomor 1/ The impact of the issuance of POJK Number 1 /
POJK.03/2019 Tentang Penerapan Fungsi POJK.03 / 2019 Concerning the Implementation
Audit Intern Pada Bank Umum maka of the Internal Audit Function in Commercial
Perseroan agar segera menyesuaikan Banks, the Company must immediately adjust
kebijakan internal yang berlaku dengan the applicable internal policies with the new
ketentuan yang baru tersebut. provisions.
2. Surat Edaran Otoritas Jasa Keuangan 2. Financial Services Authority Circular Letter
Nomor 9/SEOJK.03/2019 Tentang Number 9 / SEOJK.03 / 2019 Concerning
Penilaian Kembali Bagi Pihak Utama Reappraisal of the Bank’s Main Parties
Bank SEOJK Number 9 / SEOJK.03 / 2019 concerning
SEOJK Nomor 9/SEOJK.03/2019 tentang Revaluation for Main Parties Banks are
Penilaian Kembali bagi Pihak Utama Bank implementing regulations of POJK Number 34
merupakan peraturan pelaksana dari POJK / POJK.03 / 2018 concerning Revaluation for
Nomor 34/POJK.03/2018 tentang Penilaian Main Parties of Financial Service Institutions,
Kembali bagi Pihak Utama Lembaga Jasa which apply to the banking sector including
Keuangan, yang berlaku untuk sektor commercial banks and BPRs, both those
perbankan meliputi bank umum dan BPR, who carry out activities conventionally and
baik yang menjalankan kegiatan secara syariahally. The Main Parties of the Bank that
konvensional maupun secara syariah. are being reassessed are PSP, members of the
Pihak Utama Bank yang dilakukan penilaian Board of Directors, members of the Board of
kembali adalah PSP, anggota Direksi, Commissioners, and / or Executive Officers who
anggota Dewan Komisaris, dan/atau Pejabat are indicated to be involved and / or responsible
Eksekutif yang diindikasikan terlibat dan/atau for issues of integrity, financial feasibility,
bertanggung jawab terhadap permasalahan financial reputation, and / or good competency
integritas, kelayakan keuangan, reputasi that still serves in a banks and those that have
keuangan, dan/atau kompetensi baik yang left the banking sector.
masih menjabat di sebuah bank maupun
yang telah keluar dari sektor perbankan.
Cakupan penilaian kembali memuat contoh- The scope of the revaluation contains examples
contoh perbuatan atas permasalahan yang of acts on the problems carried out by the
dilakukan oleh Pihak Utama Bank. Tata Main Party of the Bank. The procedure for
cara penilaian kembali memuat penjelasan re-evaluation contains an explanation of the
mengenai langkah-langkah pelaksanaan steps in implementing requests for clarification
permintaan klarifikasi bukti, data, dan/ of evidence, data, and / or information
atau informasi kepada Pihak Utama information to the Main Party of the Bank
Bank yang dinilai kembali, penetapan dan being revalued, the determination and delivery
penyampaian hasil sementara penilaian of the provisional results of the revaluation,
kembali, tanggapan dari Pihak Utama Bank the response of the Main Party of the Bank to
terhadap hasil sementara penilaian kembali the provisional results of the revaluation and
dan penetapan dan pemberitahuan hasil the determination and notification of the final
akhir penilaian kembali. results of the revaluation.
Dampak dari diterbitkannya SEOJK Nomor The impact of the issuance of SEOJK Number
9/SEOJK.03/2019 tentang Penilaian Kembali 9 / SEOJK.03 / 2019 concerning Revaluation
bagi Pihak Utama Bank maka Perseroan agar for the Main Parties of the Bank, the Company
segera menyesuaikan ketentuan internal to immediately adjust the applicable internal
yang berlaku dengan ketentuan yang baru provisions with the new provisions.
tersebut.
Seluruh perubahan peraturan perundang- All amendments to the laws and regulations
undangan yang telah dijabarkan di atas tidak described above do not have a significant
memiliki dampak kuantitatif yang signifikan quantitative impact on the Company.
terhadap Perseroan.
Bank wajib melakukan penilaian Tingkat Banks are required to conduct a self-assessment of
Kesehatan Bank secara self assessment untuk the Bank’s Sound Level for positions at the end of
posisi akhir bulan Juni dan Desember. Penilaian June and December. The Soundness Rating using
Tingkat Kesehatan dengan pendekatan Risiko the Risk-Based Bank Rating approach is carried
(Risk-Based Bank Rating) tersebut dilakukan out with the scope of the assessment of factors:
dengan cakupan penilaian terhadap faktor-
faktor:
a. Profil Risiko a. Risk Profile
b. Tata Kelola b. Governance
c. Rentabilitas c. Profitability
d. Permodalan d. Capital
Peringkat Komposit Tingkat Kesehatan The Bank’s Composite Rating is determined based
Bank ditetapkan berdasarkan analisis yang on a comprehensive and structured analysis that
komprehensif dan terstruktur dengan takes into account the materiality and significance
memperhatikan materialitas dan signifikansi of each assessment factor.
masing-masing faktor penilaian. The Bank’s Soundness Composition Rating is
Peringkat Komposi Tingkat Kesehatan Bank categorized as follows:
dikategorikan sebagai berikut:
a. Peringkat Komposit 1 (PK-1) mencerminkan a. Composite Rating 1 (PK-1) reflects the Bank’s
kondisi Bank yang secara umum Sangat generally very healthy condition.
Sehat.
b. Peringkat Komposit 2 (PK-2) mencerminkan b. Composite Rating 2 (PK-2) reflects the generally
kondisi Bank yang secara umum Sehat. healthy condition of the Bank.
c. Peringkat Komposit 3 (PK-3) mencerminkan c. Composite Rating 3 (PK-3) reflects the condition
kondisi Bank yang secara umum Cukup of the Bank which is in general quite Sound.
Sehat.
d. Peringkat Komposit 4 (PK-4) mencerminkan d. Composite Rating 4 (PK-4) reflects the Bank’s
kondisi Bank yang secara umum Kurang generally unfavorable condition.
Sehat.
e. Peringkat Komposit 5 (PK-5) mencerminkan e. Composite Rating 5 (PK-5) reflects the Bank’s
kondisi Bank yang secara umum Tidak Sehat. generally unhealthy condition.
Hasil penilaian secara self assessment Peringkat The results of the self-assessment assessment
Komposit Tingkat Kesehatan bank bjb per 31 of the Bank’s Soundness Composite Rating as of
Desember 2018 dan 31 Desember 2019 adalah December 31, 2018 and December 31, 2019 are
sebagai berikut: as follows:
Peringkat Komposit Tingkat Kesehatan bank Bank Bjb Composite Rating for the position of
bjb posisi 31 Desember 2019 berada pada PK 2 December 31, 2019 is in PK 2 (Healthy). The
(Sehat). Kondisi Perseroan secara umum sehat, condition of the Company is generally sound, so it
sehingga dinilai mampu menghadapi pengaruh is considered capable of facing significant negative
negatif yang signifikan dari perubahan kondisi influences from changes in business conditions
bisnis dan faktor eksternal lainnya. Hal ini and other external factors. This is reflected in the
tercermin dari peringkat faktor penilaian ranking of assessment factors including risk profile,
antara lain profil risiko, penerapan tata kelola, implementation of governance, profitability, and
rentabilitas, dan permodalan yang secara generally good capital. In the event that there are
umum baik. Dalam hal terdapat kelemahan, weaknesses, in general these weaknesses are less
maka secara umum kelemahan tersebut kurang significant.
signifikan
Perseroan menerapkan proses yang ketat atas Company applies a strict process for each
setiap penyusunan maupun perubahan atas preparation and amendment to each bank’s
setiap ketentuan internal bank. Penyusunan internal regulations. The preparation and
maupun perubahan atas KPB, Pedoman, dan amendment to the KPB, the Guidelines and credit
SOP perkreditan dilakukan melalui tahapan SOPs are carried out through a tiered phase which
berjenjang yang dimulai dari pembahasan starts from discussion at the technical level to
pada level teknis hingga melalui persetujuan through the approval of the Board of Directors.
Direksi. Perseroan juga telah memiliki standar Company also has standard standards in the flow
baku dalam alur penyusunan SOP sehingga of SOP preparation so that it can produce good
dapat menghasilkan kualitas yang baik. quality. Every compilation and amendment to
Setiap penyusunan maupun perubahan atas the Credit Policy, Guidelines and SOP is always
Kebijakan, Pedoman dan SOP perkreditan through discussion with the relevant divisions so
senantiasa melalui pembahasan bersama Divisi that it meets the adequacy of risk identification and
yang terkait sehingga memenuhi kecukupan mitigation as well as the applicable provisions.
identifikasi dan mitigasi risiko serta ketentuan
yang berlaku.
Perseroan saat ini telah menetapkan (risk Company has now set (risk appetite) and risk
appetite) dan toleransi risiko (risk tolerance) tolerance (risk tolerance) based on consideration
berdasarkan pertimbangan kekuatan of capital strength and credit income targets.
permodalan serta target pendapatan kredit. The level of risk to be taken (risk appetite) is the
Tingkat Risiko yang akan diambil (risk appetite) level and type of risk that is willing to be taken
merupakan tingkat dan jenis Risiko yang by the Bank in order to achieve the Bank’s goals.
bersedia diambil oleh Bank dalam rangka Risk tolerance is the level and type of risk that is
mencapai sasaran Bank. Toleransi Risiko (risk maximally determined by the Bank. Risk Tolerance
tolerance) merupakan tingkat dan jenis Risiko is the translation of the level of risk to be taken.
yang secara maksimum ditetapkan oleh Bank.
Toleransi Risiko menjadi penjabaran dari tingkat
Risiko yang akan diambil.
Adapun terkait dengan limit kewenangan As for the credit limit, the Company has
memutus kredit saat ini Perseroan telah implemented a tiered credit decision mechanism in
menerapkan mekanisme keputusan kredit accordance with the level of risk that is reflected in
secara berjenjang sesuai dengan tingkat risiko the credit facility ceiling.
yang tercermin dari plafond pengajuan fasilitas
kredit.
Sebagai bentuk identifikasi atas risiko kredit, As a form of identification of credit risk, the
Perseroan telah mengembangkan adanya Company has developed an independent study
kajian independen yang berisi analisa that contains an analysis of the development of
atas perkembangan portofolio kredit, Non credit portfolios, Non-Performing Loans (NPLs),
Performing Loan (NPL), Root Cause Credit serta Root Cause Credit and predictions of credit quality
prediksi perkembangan kualitas kredit dengan development by considering the readiness of
mempertimbangkan kesiapan infrastruktur supporting infrastructure.
pendukungnya.
Dalam melakukan pengukuran risiko, Perseroan In measuring risk, the Company develops a credit
mengembangkan model risiko kredit melalui risk model through the use of the Internal Credit
penggunaan Internal Credit Risk Rating (ICRR) dan Risk Rating (ICRR) and Internal Credit Risk Scoring
Internal Credit Risk Scoring (ICRS) pada setiap (ICRS) for each credit application.
pengajuan kredit.
Adapun rating dan scoring yang dimiliki oleh The rating and scoring owned by Company include:
Perseroan meliputi: • Corporate and Commercial Segments
• Segmen Korporasi dan Komersial • Consumer Segment
• Segmen Konsumer • MSME segment
• Segmen UMKM • KPR segment
• Segmen KPR
ICRR adalah suatu alat bantu dalam mengukur ICRR is a tool in measuring credit risk in the form of
risiko kredit dalam bentuk suatu model a model used to predict the likelihood of payment
yang digunakan untuk memprediksi tingkat defaults by debtors on credit facilities provided.
kemungkinan kegagalan pembayaran oleh ICRR Classifies systematic corporate / corporate
debitur atas fasilitas kredit yang diberikan. entities into a risk class (grading or rating). The use
ICRR Mengklasifikasikan entitas perusahaan/ of ICRR aims to determine the rating for debtors
korporasi secara sistematis ke dalam suatu kelas that reflects the amount of Probability of Default
risiko (grading atau peringkat). Penggunaan ICRR (PD). Debtors with the best rating have a Probability
bertujuan untuk menentukan peringkat bagi
debitur yang mencerminkan besaran Probability
of Default (PD). Debitur dengan rating terbaik of Default that is close to zero. As for loans with
memiliki Probability of Default yang mendekati lower ratings, will have an increased Probability of
nol. Adapun untuk kredit dengan rating lebih Default
rendah, akan memiliki Probability of Default
yang meningkat
Tingkatan rating debitur dinyatakan dengan Debtor rating levels are stated in letters covering 20
huruf yang meliputi 20 (dua puluh) peringkat (twenty) different ratings, namely:
berbeda yaitu:
Keterangan
Rating
Description
AAA Outstanding
AA+ Strong
AA Strong
AA- Strong
A+ Good
A Good
A- Good
BBB+ Average
BBB Average
BBB- Average
BB+ Acceptable
BB Acceptable
B+ High Risk
B Watch List
B- Watch List
CCC- Substandard
D Doubtful
Adapun penerapan ICRS menjadi suatu The application of ICRS becomes a decision of
keputusan persetujuan atau penolakan atas approval or rejection of credit facility applications.
pengajuan fasilitas kredit. Dengan menggunakan By using ICRS, the Bank can process credit better,
ICRS maka Bank dapat memproses kredit objectively and standards, and with a relatively
dengan lebih baik, obyektif dan standar, serta faster processing time.
dengan waktu proses relatif lebih cepat.
Sebagai bentuk lain dari pengukuran risiko As another form of credit risk measurement,
kredit, Perseroan telah melakukan estimasi the Company has estimated the estimated loss
kerugian yang telah diperkirakan (Expected (Expected Loss) as well as the amount of an
Loss) serta besar kerugian yang tidak unexpected loss (Unexpected Loss). Expected Loss
diperkirakan (Unexpected Loss). Expected Loss (EL) is the amount of a statistically estimated loss
(EL) adalah besaran kerugian secara statistik arising on average from the estimated losses that
yang diperkirakan timbul secara rata-rata dari generally occur. EL is obtained from the calculation
perkiraan kerugian yang secara umum terjadi. of Exposure at the time of default (EAD), losses at the
EL didapatkan dari perhitungan Eksposur pada time of default (LGD) and probability of occurrence
saat default (EAD), kerugian pada saat default of default (PD), which is estimated from historical
(LGD) dan probabilitas terjadinya default (PD), default probability data. Meanwhile Unexpected
yang diestimasi dari data probabilitas default Loss (UL) is the deviation from the average loss. UL
secara historis. Sementara itu Unexpected Loss calculations are obtained from historical volatility
(UL) merupakan deviasi dari rata-rata kerugian. data on default data.
Perhitungan UL diperoleh dari data volatilitas
secara historis (historical volatility) atas data
default.
Perseroan juga telah mengembangkan proses Company has also developed a risk monitoring
pemantauan risiko yang dilakukan secara process that is carried out periodically through the
berkala melalui penerbitan laporan Root Cause issuance of the Root Cause of Credit Risk (RCCR)
of Credit Risk (RCCR) yang disampaikan kepada report submitted to the Directors and all relevant
Direksi dan seluruh Divisi terkait. Laporan Divisions. The Root Cause of Credit Risk (RCCR)
Root Cause of Credit Risk (RCCR) berisi analisa report contains an analysis of the development
perkembangan portofolio beserta kualitas of the portfolio and its credit quality, as well as
kreditnya, serta tingkat konsentrasi kredit baik the level of credit concentration based on the
berdasarkan sektor ekonomi, maupun debitur economic sector and core debtors. Through this
inti. Melalui laporan ini bank mengembangkan report the bank develops a periodic identification
mekanisme identifikasi berkala atas potensi mechanism for the potential deterioration in the
penurunan kualitas suatu portofolio kredit quality of a credit portfolio so that it becomes input
sehingga menjadi masukan dalam penyusunan in the preparation of a Risk Management strategy.
strategi Manajemen Risiko. Dengan demikian Thus, the handling of the possibility of decreasing
maka penanganan atas kemungkinan the quality of the loan portfolio can be immediately
penurunan kualitas portofolio kredit dapat followed up so that it becomes an Early Warning
segera ditindaklanjuti sehingga menjadi Early Signal (EWS).
Warning Signal (EWS).
Disamping itu Perseroan secara berkala Besides this, the Company regularly conducts stress
melakukan analisa stress test yang meliputi test analysis which covers several main scenarios,
beberapa skenario utama yaitu: namely:
• Macro Economy Stress Test (General • Macro Economy Stress Test (General
Market Crisis) Market Crisis)
Perhitungan stress test dengan menggunakan Calculation of stress tests using macroeconomic
analisa makro ekonomi bertujuan untuk analysis aims to determine changes in Probability
mengetahui perubahan Probability of of Default (PD) caused by movements in the
Default (PD) yang disebabkan oleh adanya USD/IDR exchange rate, changes in Reference
pergerakan Kurs USD/IDR, perubahan Suku Interest Rates, as well as changes in the Inflation
Bunga Acuan, serta perubahan Tingkat Inflasi Rate and Gross Domestic Product (GDP).
dan Gross Domestic Product (GDP).
• Reverse Stress Test • Reverse Stress Test
Apabila pada pelaksanaan stress test pada If the implementation of stress tests generally
umumnya bertujuan untuk menghitung aims to calculate the impact of predetermined
dampak perubahan makro ekonomi yang macroeconomic changes on changes in the
telah ditentukan sebelumnya terhadap value of NPLs, Profit and Loss and CAR, and Risk
perubahan nilai NPL, Profit and Loss serta Weighted Assets (RWA), the calculation of stress
CAR, dan Aktiva Tertimbang Menurut Risiko tests with a reverse scenario aims to determine
(ATMR) maka perhitungan stress test dengan changes in macro conditions economics that
skenario reverse bertujuan untuk mengetahui have an impact on the decline in the value of
perubahan kondisi makro ekonomi yang the CAR to be below the provisions.
berdampak pada penurunan nilai CAR
hingga berada di bawah ketentuan.
Adapun output dari pelaksanaan stress test The output of the stress test is in the form of NPL,
tersebut berupa perhitungan NPL, Profit and Profit and Loss, and CAR calculations when stress
Loss, dan CAR saat terjadinya kondisi stress. conditions occur.
Dalam pelaksanaannya, sistem pengendalian In its implementation, the internal control system
intern untuk risiko kredit mencakup penerapan for credit risk includes the application of the
atas hal-hal sebagai berikut: following matters:
• Dipenuhinya kecukupan Kebijakan, Pedoman • Fulfillment of the adequacy of Credit Policy,
dan Prosedur bidang perkreditan; Guidelines and Procedures in the field of credit;
• Dilakukannya review oleh unit kerja • Conduct a review by an independent work
independen atas rancangan Kebijakan, unit on the draft Credit Policy, Guidelines and
Pedoman dan Prosedur bidang perkreditan; Procedures;
• Dilakukannya review/kaji ulang atas metode • Conducting a review / review of the risk
pengukuran risiko oleh Divisi Manajemen measurement method by the Risk Management
Risiko yang mencakup penilaian kesesuaian Division which includes an assessment of the
metode, dan asumsi yang digunakan untuk suitability of the method, and the assumptions
mengukur risiko; used to measure risk;
• Kaji ulang atas kepatuhan bank terhadap • Review the bank’s compliance with internal and
ketentuan internal dan eksternal bidang external provisions in the credit sector.
perkreditan.
Dalam rangka optimalisasi pengendalian In the context of optimizing internal control, the
intern, maka Perseroan juga telah melakukan Company has also performed a clear separation
pemisahan fungsi yang jelas antara unit bisnis dan of functions between business units and units
unit yang melaksanakan pengendalian sehingga that carry out control so that the bank has
bank telah menerapkan segregation of duty implemented segregation of duty and dual control
dan dual control dalam melakukan keputusan in making credit decisions. Internal control for
kredit. Pengendalian intern untuk manajemen credit risk management also includes supervision
risiko kredit juga mencakup pengawasan oleh by the Board of Commissioners and the Board
Dewan Komisaris dan Direksi secara berkala of Directors on a regular basis through reporting
melalui pelaporan yang disampaikan oleh submitted by the Risk Management Division and
Divisi Manajemen Risiko maupun pelaksanaan the implementation of the Risk Management
Risk Management Committee (RMC) yang Committee (RMC) consisting of Directors and
beranggotakan Direksi serta pejabat eksekutif related executive officers. The implementation of
terkait. Adapun pelaksanaan rapat Komite Risk Monitoring Committee (KPR) meetings has
Pemantau Risiko (KPR) telah dilaksanakan been held periodically aimed at monitoring the
secara berkala yang ditujukan untuk memantau development of credit risk exposures in accordance
perkembangan eksposur risiko kredit sesuai with the latest developments.
dengan perkembangan terkini.
Tabel 2.1.a Pengungkapan Tagihan Bersih Berdasarkan Wilayah - Bank secara Individual
2.1.a Disclosure of Net Claims by Region - Bank individually
2019 2018
Kategori
Tagihan Bersih Berdasarkan Wilayah Tagihan Bersih Berdasarkan Wilayah
Portofolio
No Net Claims by Region Net Claims by Region
Portfolio
Category Wilayah 1 Wilayah 2 Wilayah 3 Kanwil 4 Kanwil 5 Wilayah 1 Wilayah 2 Wilayah 3 Kanwil 4 Kanwil 5
Total Total
Region 1 Region 2 Region 3 Region 4 Region 5 Region 1 Region 2 Region 3 Region 4 Region 5
(1) (2) (3) (4) (5) (6) (7) (7) (3) (4) (5) (6) (7) (7)
1 Tagihan Kepada - 331,491 - - - 331,491 25,100,713 664,424 - - - 26,788,468
Pemerintah
Claims to
Government
2 Tagihan Kepada - - - - - - 262,589 - - - - 263,233
Entitas Sektor
Publik
Claims on Public
Sector Entities
3 Tagihan - - - - - - - - - - - -
Kepada Bank
Pembangunan
Multilateral
dan Lembaga
Internasional
Claims on
Multilateral
Development
Banks and
International
Institutions
4 Tagihan Kepada - 224,809 17,131 58,350 334,010 634,300 3,601,109 268,168 32,107 68,318 383,546 3,172,679
Bank
Claims on Banks
5 Kredit Beragun 2,001,327 1,819,065 870,630 785,657 577,538 6,054,217 1,849,987 1,774,112 793,977 756,925 496,920 5,124,042
Rumah Tinggal
Home-backed
mortgage loans
6 Kredit Beragun 16,620,632 10,515,742 14,582,171 8,956,931 2,859,277 53,534,753 - - - - - -
Properti
Komersial
Commercial
Property Backed
Loans
7 Kredit Pegawai/ - - - - - - 16,290,452 10,346,148 13,609,221 8,492,046 2,648,240 47,188,728
Pensiunan
Employee / Retiree
Loans
8 Tagihan Kepada 2,138,087 2,443,116 1,460,245 1,461,071 1,387,489 8,890,008 2,034,850 2,203,955 1,518,665 1,643,045 1,404,785 12,136,506
Usaha Mikro,
Usaha Kecil dan
Portofolio Ritel
Claims on Micro,
Small Business and
Retail Portfolios
9 Tagihan kepada 4,442,637 5,105,902 777,861 968,373 775,116 12,069,888 4,042,612 3,350,870 271,403 470,478 736,211 5,793,520
Korporasi
Claims on the
Corporation
10 Tagihan yang - - - - - - - - - - - -
Telah Jatuh
Tempo
Claims That Have
Been Due Date
11 Aset Lainnya - - - - - - 5,823,345 - - - - 4,855,232
Other Assets
12 Eksposur di Unit - - - - - - - - - - - -
Usaha Syariah
(apabila ada)
Exposure to Sharia
Business Units
(if any)
Total 25,202,683 20,440,124 17,708,038 12,230,382 5,933,430 81,514,657 56,205,693 18,308,326 15,163,756 10,720,476 4,924,157 105,322,408
Tabel 2.1.b Pengungkapan Tagihan Bersih Berdasarkan Wilayah - Bank secara Konsolidasi dengan Perusahaan Anak
2.1.b Disclosure of Net Claims by Region - Bank Consolidated with Subsidiary Companies
2019 2018
Kategori Tagihan Bersih Berdasarkan Wilayah Tagihan Bersih Berdasarkan Wilayah
Portofolio
No Net Claims by Region Net Claims by Region
Portfolio
Category Wilayah 1 Wilayah 2 Wilayah 3 Kanwil 4 Kanwil 5 Wilayah 1 Wilayah 2 Wilayah 3 Kanwil 4 Kanwil 5
Total Total
Region 1 Region 2 Region 3 Region 4 Region 5 Region 1 Region 2 Region 3 Region 4 Region 5
(1) (2) (3) (4) (5) (6) (7) (3) (4) (5) (6) (7)
1 Tagihan Kepada 26,235,934 664,424 - - - 26,900,358 26,235,934 664,424 - - - 26,900,358
Pemerintah
Claims to
Government
2 Tagihan Kepada 347,416 - - - - 347,416 347,416 - - - - 347,416
Entitas Sektor
Publik
Claims on Public
Sector Entities
3 Tagihan - - - - - - - - - - - -
Kepada Bank
Pembangunan
Multilateral
dan Lembaga
Internasional
Claims on
Multilateral
Development
Banks and
International
Institutions
4 Tagihan Kepada 4,021,256 268,168 32,107 68,318 383,546 4,773,395 4,021,256 268,168 32,107 68,318 383,546 4,773,395
Bank
Claims on Banks
5 Kredit Beragun 2,495,800 1,774,112 793,977 756,925 496,920 6,317,734 2,495,800 1,774,112 793,977 756,925 496,920 6,317,734
Rumah Tinggal
Home-backed
mortgage loans
6 Kredit Beragun 16,091 - - - - 16,091 16,091 - - - - 16,091
Properti
Komersial
Commercial
Property Backed
Loans
7 Kredit Pegawai/ 18,067,498 10,346,148 13,609,221 8,492,046 2,648,240 53,163,153 18,067,498 10,346,148 13,609,221 8,492,046 2,648,240 53,163,153
Pensiunan
Employee / Retiree
Loans
8 Tagihan Kepada 2,722,019 2,203,955 1,518,665 1,643,045 1,404,785 9,492,469 2,722,019 2,203,955 1,518,665 1,643,045 1,404,785 9,492,469
Usaha Mikro,
Usaha Kecil dan
Portofolio Ritel
Claims on Micro,
Small Business and
Retail Portfolios
9 Tagihan kepada 5,669,569 3,350,870 271,403 470,478 736,211 10,498,531 5,669,569 3,350,870 271,403 470,478 736,211 10,498,531
Korporasi
Claims on the
Corporation
10 Tagihan yang 97,999 - - - - 97,999 97,999 - - - - 97,999
Telah Jatuh
Tempo
Claims That Have
Been Due Date
11 Aset Lainnya 6,281,235 - - - - 6,281,235 6,281,235 - - - - 6,281,235
Other Assets
12 Eksposur di Unit - - - - - - - - - - - -
Usaha Syariah
(apabila ada)
Exposure to Sharia
Business Units
(if any)
Total 65,954,817 18,607,677 16,225,373 11,430,812 5,669,702 117,888,381 65,954,817 18,607,677 16,225,373 11,430,812 5,669,702 117,888,381
Tabel 2.2.a Pengungkapan Tagihan Bersih Berdasarkan Sisa Jangka Waktu Kontrak - Bank secara Individual
2.2.a Disclosure of Net Claims Based on Remaining Contract Period - Bank individually
Tabel 2.2.b Pengungkapan Tagihan Bersih Berdasarkan Sisa Jangka Waktu Kontrak - Bank secara Konsolidasi dengan Perusahaan Anak
2.2.b Disclosure of Net Claims Based on Remaining Contract Period - Bank in Consolidation with Subsidiary Companies
Tabel 2.3.a Pengungkapan Tagihan Bersih Berdasarkan Sektor Ekonomi - Bank secara Individual
2.3.a Disclosures of Net Claims by Economic Sector - Individual Banks
dalam jutaan Rupiah
in millions IDR
Tagihan
Tagihan Kepada
Tagihan Eksposur
Kepada Bank Kredit Usaha Tagihan
Kepada Kredit di Unit
Multilateral Beragun Kredit Mikro, Usaha Yang Telah
Tagihan Entitas Tagihan Beragun Tagihan Syariah
dan Lembaga Rumah Pegawai / Kecil dan Jatuh Aset
Kepada Sektor Kepada Properti Kepada (apabila
Sektor Ekonomi Internasional Tinggal Pensiunan Portofolio Tempo Lainnya
No Pemerintah Publik Bank Komersial Korporasi ada)
Ritel
Economic Sector Claims on Home- Employee Claims Other
Claims to Claims Claims on Commercial Claims To Exposure
Multilateral backed / Retiree Claims on That Have Assets
Government on Public Banks Property Corporations on Sharia
Banks and mortgage Loans Micro, Small Been Due
Sector Backed Loans Units (if
International loans Business Date
Entities any)
Institutions and Retail
Portfolios
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14)
Tagihan
Tagihan Kepada
Tagihan Eksposur
Kepada Bank Kredit Usaha Tagihan
Kepada Kredit di Unit
Multilateral Beragun Kredit Mikro, Usaha Yang Telah
Tagihan Entitas Tagihan Beragun Tagihan Syariah
dan Lembaga Rumah Pegawai / Kecil dan Jatuh Aset
Kepada Sektor Kepada Properti Kepada (apabila
Sektor Ekonomi Internasional Tinggal Pensiunan Portofolio Tempo Lainnya
No Pemerintah Publik Bank Komersial Korporasi ada)
Ritel
Economic Sector Claims on Home- Employee Claims Other
Claims to Claims Claims on Commercial Claims To Exposure
Multilateral backed / Retiree Claims on That Have Assets
Government on Public Banks Property Corporations on Sharia
Banks and mortgage Loans Micro, Small Been Due
Sector Backed Loans Units (if
International loans Business Date
Entities any)
Institutions and Retail
Portfolios
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14)
Posisi Tanggal Laporan Tahun 2018 | Position Date of Previous Year 2018
1 Pertanian, perburuan - - - 6,495 996,391 - - 48,082 - - - -
dan Kehutanan
Agriculture, hunting and
forestry
2 Perikanan - - - - - - - 7,360 - - - -
Fishery
3 Pertambangan dan - - - - - - - 9,548 3,533 - - -
Penggalian
Mining and excavation
4 Industri pengolahan - - - - - - - 88,477 42,650 - - -
Processing industry
5 Listrik, Gas dan Air - - - - - - - 3,473 196 - - -
Electricity, Gas and Water
6 Konstruksi - - - - - - - 7,407,421 1,961,938 - - -
Construction
7 Perdagangan besar - - - 8,449 - - - 359,822 264,776 - - -
dan eceran
Wholesale and retail
trade
8 Penyediaan akomodasi - - - - - - - 12,407 33,324 - - -
dan penyediaan makan
minum
Provision of
accommodation and
provision of food and
drink
9 Transportasi, - - - - - - - 14,345 15,630 - - -
pergudangan dan
komunikasi
Transportation,
warehousing and
communication
10 Perantara keuangan - - - 56,499 - - - 144,878 2,195,133 - - -
Financial intermediaries
11 Real estate, usaha - - - 680,694 3,524 - - 503,916 1,848,321 - - -
persewaan dan jasa
perusahaan
Real estate, rental
business and business
services
12 Administrasi 664,424 - - - - - - 150,530 41,953 - - -
Pemerintahan,
pertahanan dan
jaminan sosial wajib
Government
Administration, defense
and mandatory social
security
13 Jasa pendidikan - - - - - - - 8,731 345 - - -
Educational services
14 Jasa kesehatan dan - - - - - - - 18,398 5,218 - - -
kegiatan sosial
Health services and
social activities
15 Jasa kemasyarakatan, - - - - - - - 27,595 20,130 - - -
sosial budaya, hiburan
dan perorangan
lainnya
Community services,
social culture,
entertainment and other
individuals
16 Jasa perorangan yang - - - - - - - 318 - - - -
melayani rumah
tangga
Individual services
serving households
17 Badan internasional - - - - - - - - - - - -
dan badan ekstra
internasional lainnya
International agencies
and other extra
international agencies
Tabel 2.3.b Pengungkapan Tagihan Bersih Berdasarkan Sektor Ekonomi - Bank secara Konsolidasi dengan Perusahaan Anak
2.3.b Disclosure of Net Claims by Economic Sector - Bank Consolidated with Subsidiary Companies
dalam jutaan Rupiah
in millions IDR
Tagihan
Tagihan
Kepada Usaha
Tagihan Kepada Bank Kredit Kredit Eksposur
Mikro, Usaha Tagihan
Kepada Multilateral Beragun Beragun Kredit di Unit
Tagihan Tagihan Kecil dan Tagihan Yang Telah
Entitas dan Lembaga Rumah Properti Pegawai / Aset Syariah
Kepada Kepada Portofolio Kepada Jatuh
Sektor Ekonomi Sektor Internasional Tinggal Komersial Pensiunan Lainnya (apabila
No Pemerintah Bank Ritel Korporasi Tempo
Publik ada)
Economic Sector Claims on Home- Commercial Employee Other
Claims to Claims on Claims on Claims To Claims That
Claims on Multilateral backed Property / Retiree Assets Exposure on
Government Banks Micro, Small Corporations Have Been
Public Sector Banks and mortgage Backed Loans Sharia Units
Business Due Date
Entities International loans Loans (if any)
and Retail
Institutions
Portfolios
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14)
Posisi Tanggal Laporan Tahun 2019 Position Date Report 2019
1 Pertanian, perburuan dan - - - 6,495 996,391 - - 48,082 - - - -
Kehutanan
Agriculture, hunting and
forestry
2 Perikanan - - - - - - - 7,360 - - - -
Fishery
3 Pertambangan dan - - - - - - - 9,548 3,533 - - -
Penggalian
Mining and excavation
4 Industri pengolahan - - - - - - - 88,477 42,650 - - -
Processing industry
5 Listrik, Gas dan Air - - - - - - - 3,473 196 - - -
Electricity, Gas and Water
6 Konstruksi - - - - - - - 7,407,421 1,961,938 - - -
Construction
7 Perdagangan besar dan - - - 8,449 - - - 359,822 264,776 - - -
eceran
Wholesale and retail trade
8 Penyediaan akomodasi - - - - - - - 12,407 33,324 - - -
dan penyediaan makan
minum
Provision of accommodation
and provision of food
and drink
9 Transportasi, pergudangan - - - - - - - 14,345 15,630 - - -
dan komunikasi
Transportation, warehousing
and communication
10 Perantara keuangan - - - 56,499 - - - 144,878 2,195,133 - - -
Financial intermediaries
11 Real estate, usaha - - - 680,694 3,524 - - 503,916 1,848,321 - - -
persewaan dan jasa
perusahaan
Real estate, rental business
and business services
12 Administrasi Pemerintahan, 664,424 - - - - - - 150,530 41,953 - - -
pertahanan dan jaminan
sosial wajib
Government Administration,
defense and mandatory
social security
13 Jasa pendidikan Educational - - - - - - - 8,731 345 - - -
services
14 Jasa kesehatan dan - - - - - - - 18,398 5,218 - - -
kegiatan sosial
Health services and social
activities
15 Jasa kemasyarakatan, - - - - - - - 27,595 20,130 - - -
sosial budaya, hiburan dan
perorangan lainnya
Community services, social
culture, entertainment and
other individuals
16 Jasa perorangan yang - - - - - - - 318 - - - -
melayani rumah tangga
Individual services serving
households
17 Badan internasional dan - - - - - - - - - - - -
badan ekstra internasional
lainnya
International agencies and
other extra international
agencies
18 Kegiatan yang belum jelas - - - - - - - - - - - -
batasannya
Activities that have no clear
boundaries
19 Bukan Lapangan Usaha - - - - 6,810 - 46,701,356 - 438,387 - - -
Not a Business Field
20 Lainnya 26,235,934 347,416 - 4,021,258 5,311,009 16,091 6,461,797 687,169 3,626,997 97,999 6,281,235 -
Others
Total 26,900,358 347,416 - 4,773,395 6,317,734 16,091 53,163,153 9,492,469 10,498,531 97,999 6,281,235 -
Tabel 2.4.a Pengungkapan Tagihan dan Pencadangan Berdasarkan Wilayah - Bank secara Individual
2.4.a Disclosure of Claims and Reserves by Region - Bank individually
dalam jutaan Rupiah
in millions IDR
2019 2018
Wilayah Wilayah
Keterangan
No Area Area
Description
Wilayah 1 Wilayah 2 Wilayah 3 Wilayah 4 Wilayah 5 dst. Wilayah 1 Wilayah 2 Wilayah 3 Wilayah 4 Wilayah 5 dst.
Total Tota l
Area 1 Area 2 Area 3 Area 4 Area 5 etc Area 1 Area 2 Area 3 Area 4 Area 5 etc
(1) (2) (3) (4) (5) (6) (7) (3) (4) (5) (6) (7)
Tagihan
1 22,914,541 18,203,030 16,070,957 11,144,855 5,587,718 73,921,101 22,914,541 18,203,030 16,070,957 11,144,855 5,587,718 73,921,101
Claims
2 Tagihan yang mengalami - -
penurunan nilai (impaired )
Claims that have been impaired
a. Belum jatuh tempo 308,300 404,647 154,417 285,957 81,984 1,235,305 308,300 404,647 154,417 285,957 81,984 1,235,305
a. Not yet due
b. Telah jatuh tempo - -
b. Is due
3 Cadangan kerugian penurunan 94,223 49,309 72,706 34,927 16,289 267,454 149,209 165,324 100,230 116,583 27,185 558,531
nilai (CKPN) - Individual
Allowance for impairment losses
(CKPN) - Individual
4 Cadangan kerugian penurunan 81,510 169,927 7,469 136,725 16,788 412,418 13,921 33,028 6,517 10,997 4,198 68,661
nilai (CKPN) - Kolektif
Allowance for impairment losses
(CKPN) - Collective
5 Tagihan yang dihapus buku - -
Deleted book Claims
-
Tabel 2.4.b Pengungkapan Tagihan dan Pencadangan Berdasarkan Wilayah - Bank secara Konsolidasi dengan Perusahaan Anak
2.4.b Disclosure of Claims and Reserves by Region - Bank Consolidated with Subsidiary Companies
dalam jutaan Rupiah
in millions IDR
2019 2018
Wilayah Wilayah
Keterangan
No Area Area
Description
Wilayah 1 Wilayah 2 Wilayah 3 Wilayah 4 Wilayah 5 Wilayah 1 Wilayah 2 Wilayah 3 Wilayah 4 Wilayah 5
dst. Total dst. Total
Area 1 Area 1 Area 1 Area 1 Area 1 Area 1 Area 1 Area 1 Area 1 Area 1
(1) (2) (3) (4) (5) (6) (7) (3) (4) (5) (6) (7)
Tabel 2.5.a Pengungkapan Tagihan dan Pencadangan Berdasarkan Sektor Ekonomi - Bank secara Individual
Table 2.5.a Disclosure of Receivables and Allowances by Economic Sector - Individual Banks
dalam jutaan Rupiah
in million IDR
Tagihan yang Mengalami Cadangan
Penurunan Nilai Kerugian
Cadangan Kerugian
Decreased Claims Penurunan Nilai Tagihan yang
Penurunan Nilai (CKPN)
Tagihan (CKPN) Individual dihapus buku
- Sektor Ekonomi Economic Sectors Kolektif
Claims Belum Jatuh Telah Jatuh Allowance for Deleted book
Reserve for impairment
Tempo Tempo impairment Claims
losses (CKPN) Collective
Not yet due Matured losses (CKPN)
Individual
(1) (2) (3) (4) (5) (6) (7) (8)
Posisi Tanggal Laporan | Position Date Report
1 Pertanian, perburuan dan Agriculture, hunting and forestry 898,529 713,144 185,385 78,324,130,907 8,937,192,263
Kehutanan
2 Perikanan Fishery 40,980 40,328 652 - 911,328,491
3 Pertambangan dan Penggalian Mining and excavation 44,277 35678,07413 8,599 2,181,745,846 1,806,246,543
4 Industri pengolahan Processing industry 964,470 937715,1357 26,755 18,767,948,406 9,035,315,786
5 Listrik, Gas dan Air Electricity, Gas and Water 22,784 22,784 - - 25,408,790
6 Konstruksi Construction 4,937,615 4481186,024 456,429 194,170,057,985 27,629,786,888
7 Perdagangan besar dan eceran Wholesale and retail trade 3,613,804 3481212,678 132,592 11,417,688,100 71,427,709,938
8 Penyediaan akomodasi dan Provision of accommodation and 152,712 152,465 247 1,143,429,319 4,075,104,292
penyediaan makan minum provision of food and drink
9 Transportasi, pergudangan dan Transportation, warehousing and 232,041 231906,3719 135 - 253,351,364
komunikasi communication
10 Perantara keuangan Financial intermediaries 2,662,810 2,617,213 45,597 66,299,053,100 3,199,352,851
11 Real estate, usaha persewaan dan Real estate, rental business and 4,611,872 4,568,456 43,416 17,656,533,595 8,150,150,710
jasa perusahaan business services
12 Administrasi Pemerintahan, Government Administration, defense 331,970 331,970 - - 95,824,089
pertahanan dan jaminan sosial wajib and mandatory social security
13 Jasa pendidikan Educational services 50,199 49,968 231 - 112,648,210
14 Jasa kesehatan dan kegiatan sosial Health services and social activities 146,267 145728,4857 539 - 276,456,765
15 Jasa kemasyarakatan, sosial budaya, Community services, social culture, 333,474 331354,475 2,120 - 1,524,678,719
hiburan dan perorangan lainnya entertainment and other individuals
16 Jasa perorangan yang melayani Individual services serving households 10,055 10,055 - - 3,474,487
rumah tangga
17 Badan internasional dan badan International agencies and other extra 332 332 - - 11,786
ekstra internasional lainnya international agencies
18 Kegiatan yang belum jelas Activities that have no clear boundaries
batasannya
19 Bukan Lapangan Usaha Not a Business Field - - - - -
20 Lainnya Others 62,460,463 62,452,110 8,353 22,457,378,545 129,990,060,540
Total 81,514,657 80,603,606 911,051 412,417,965,803 267,454,102,513
Posisi Tanggal Laporan Tahun Sebelumnya | Position Date of Previous Year Report
1 Pertanian, perburuan dan Agriculture, hunting and forestry 1,219,437 201741 - 62,988
Kehutanan
2 Perikanan Fishery 33,149 698 451 311
3 Pertambangan dan Penggalian Mining and excavation 46,535 245 46,290 319
4 Industri pengolahan Processing industry 441,134 26689 414,445 26,689
5 Listrik, Gas dan Air Electricity, Gas and Water 15,839 - - 9
6 Konstruksi Construction 5,273,630 320394 37,917 151,885
7 Perdagangan besar dan eceran Wholesale and retail trade 1,746,264 21289 10,575 97,295
8 Penyediaan akomodasi dan Provision of accommodation and 15,399 62 159 81
penyediaan makan minum provision of food and drink
9 Transportasi, pergudangan dan Transportation, warehousing and 80,237 1095 1,330 471
komunikasi communication
10 Perantara keuangan Financial intermediaries 2,836,258 19,939 69,344 44,846
11 Real estate, usaha persewaan dan Real estate, rental business and 4,708,517 35,038 4,913 12,570
jasa perusahaan business services
12 Administrasi Pemerintahan, Government Administration, defense 707,055
pertahanan dan jaminan sosial wajib and mandatory social security
13 Jasa pendidikan Educational services 39,667 18 12
14 Jasa kesehatan dan kegiatan sosial Health services and social activities 88,080 42 43
15 Jasa kemasyarakatan, sosial budaya, Community services, social culture, 144,412 1749 221 1,786
hiburan dan perorangan lainnya entertainment and other individuals
16 Jasa perorangan yang melayani Individual services serving households - - - -
rumah tangga
17 Badan internasional dan badan International agencies and other extra - - - -
ekstra internasional lainnya international agencies
18 Kegiatan yang belum jelas Activities that have no clear boundaries
batasannya
19 Bukan Lapangan Usaha Not a Business Field 46,975,631 1373 81,405 33,363
20 Lainnya Others 14,834,968 325,907
Total 79,206,212 630,372 667,050 758,575
2.5.b Pengungkapan Tagihan dan Pencadangan Berdasarkan Sektor Ekonomi - Bank secara Konsolidasi dengan Perusahaan Anak
2.5.b Disclosure of Receivables and Allowances by Economic Sector - Bank Consolidated with Subsidiary Companies dalam jutaan Rupiah
in million IDR
Tagihan yang Mengalami
Cadangan Kerugian Cadangan Kerugian
Penurunan Nilai
Penurunan Nilai Penurunan Nilai
Decreased Claims Tagihan yang
Tagihan (CKPN) Individual (CKPN) Kolektif
No Sektor Ekonomi Economic Sector dihapus buku
Claims Belum Jatuh Telah Jatuh Allowance for Reserve for
Deleted book Claims
Tempo Tempo impairment losses impairment losses
Not yet due Matured (CKPN) Individual (CKPN) Collective
2.6.a Pengungkapan Rincian Mutasi Cadangan Kerugian Penurunan Nilai - Bank secara Individual dalam jutaan Rupiah
2.6.a Disclosure of Details of Movements for Impairment Losses - Bank individually in million IDR
1 Saldo awal CKPN Initial CKPN balance 165,947 401,317 165,947 401,317
2 Pembentukan (pemulihan) CKPN Establishment (recovery) of CKPN - - - -
pada periode berjalan (Net) in the current period (Net)
2.a Pembentukan CKPN pada 2.a Establishment of CKPN in the 593,259 - 593,259 -
periode berjalan current period
2.b Pemulihan CKPN pada 2.b Recovery of CKPN in the - (70,682) - (70,682)
periode berjalan current period
3 CKPN yang digunakan untuk CKPN which is used to delete (462,648) - (462,648) -
melakukan hapus buku atas books on bills on the current
tagihan pada peride berjalan platform
4 Pembentukan (pemulihan) Other formation (recovery) in the - - -
lainnya pada periode berjalan current period
- - - -
Saldo Akhir CKPN 296,558 330,635 296,558 330,635
2.6.b Pengungkapan Rincian Mutasi Cadangan Kerugian Penurunan Nilai - Bank secara Konsolidasi dengan Perusahaan Anak
2.6.b Disclosure of Details of Movements for Impairment Losses - Consolidated Banks with Subsidiary Companies
dalam jutaan Rupiah
in million IDR
Tabel 3.1.a Pengungkapan Tagihan Bersih Berdasarkan Kategori Portofoilio dan Skala Peringkat - Bank secara Individual
Table 3.1.a Disclosure of Net Claims by Portfolio Category and Rating Scale - Bank individually
Lembaga
Peringkat Peringkat jangka panjang Peringkat jangka pendek
Rating Long term rating Short-term rating
Institution
standard and
Poor’s AA+ s.d BBB+ s.d BB+ s.d kurang Kurang
AAA A+ s.d A- B+ s.d B- A-1 A-2 A-3
standard and AA- BBB- BB- dari B- dari A-3
Poor’s
Fitch Rating AA+ s.d BBB+ s.d BB+ s.d kurang F1+ s.d Kurang
AAA A+ s.d A- B+ s.d B‑ F2 F3
Fitch Rating AA- BBB‑ BB‑ dari B- F1 dari F3
Kategori Portofolio
Moody’s Aa1 s.d Baa1 s.d Ba1 s.d kurang Kurang Tanpa
Portfolio Category Aaa A1 s.d A3 B1 s.d B3 P-1 P-2 P-3
Moody’s Aa3 Baa3 Ba3 dari B3 dari P-3 Peringkat Total
No rating
AA+(idn) A+(idn) BBB+(idn) BB+(idn) B+(idn) kurang F1+(idn) Kurang
PT. Fitch AAA
s.d AA- s.d s.d BBB- s.d BB- s.d dari s.d F2(idn) F3(idn) dari
PT. Fitch (idn)
(idn) A-(idn) (idn) (idn) B-(idn) B-(idn) F1(idn) F3(idn)
[Idr]
[idr]AA+ [idr] [idr]BBB+ [idr]BB+ [idr] kurang [Idr]A1+ [Idr]A2+ A3+ Kurang
PT iCRA [idr]
s.d [idr] A+ s.d s.d [idr] s.d [idr] B+ s.d dari [Idr] s.d [Idr] s.s [Idr] s.d dari [Idr]
PT iCRA AAA
AA- [idr]A- BBB- BB- [idr]B- B- A1 A2 [Idr] A3
A3
PT id BBB+ idA3
idAA+ s.d idA+ s.d id BB+ id B+ s.d kurang Kurang
Pemeringkat idAAA s.d id idA1 idA2 s.d
idAA- idA- s.d id BB- id B- dari id B- dari A4
Rating Agency BBB- idA4
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16)
1 Tagihan Claims to
Kepada Government
Pemerintah
2 Tagihan Claims on Public
Kepada Entitas Sector Entities
Sektor Publik
3 Tagihan Claims on
Kepada Bank Multilateral
Pembangunan Development
Multilateral Banks and
dan Lembaga International
Internasional Institutions
4 Tagihan Claims on Banks
Kepada Bank
5 Kredit Beragun Home-backed
Rumah Tinggal mortgage loans
6 Kredit Beragun Commercial
Properti Property Backed
Komersial Loans
7 Kredit Pegawai/ Employee /
Pensiunan Retiree Loans
8 Tagihan Claims on Micro,
Kepada Usaha Small Business
Mikro, Usaha and Retail
Kecil dan Portfolios
Portofolio Ritel
9 Tagihan kepada Claims on the
Korporasi Corporation
10 Tagihan yang Claims That
Telah Jatuh Have Been Due
Tempo Date
11 Aset Lainnya Other Assets
12 Eksposur di Exposure to
Unit Usaha Sharia Business
Syariah (apabila Units (if any)
ada)
Total
Posisi Tanggal laporan Tahun sebelumnya | Position Report date of the previous year
Lembaga
Peringkat Peringkat jangka panjang Peringkat jangka pendek
Rating Long term rating Short-term rating
Institution
standard and
Poor’s AA+ s.d BBB+ s.d BB+ s.d kurang Kurang
AAA A+ s.d A- B+ s.d B- A-1 A-2 A-3
standard and AA- BBB- BB- dari B- dari A-3
Poor’s
Fitch Rating AA+ s.d BBB+ s.d BB+ s.d kurang F1+ s.d Kurang
AAA A+ s.d A- B+ s.d B‑ F2 F3
Fitch Rating AA- BBB‑ BB‑ dari B- F1 dari F3
Kategori Portofolio
Moody’s Aa1 s.d Baa1 s.d Ba1 s.d kurang Kurang Tanpa
Portfolio Category Aaa A1 s.d A3 B1 s.d B3 P-1 P-2 P-3
Moody’s Aa3 Baa3 Ba3 dari B3 dari P-3 Peringkat Total
No rating
AA+(idn) A+(idn) BBB+(idn) BB+(idn) B+(idn) kurang F1+(idn) Kurang
PT. Fitch AAA
s.d AA- s.d s.d BBB- s.d BB- s.d dari s.d F2(idn) F3(idn) dari
PT. Fitch (idn)
(idn) A-(idn) (idn) (idn) B-(idn) B-(idn) F1(idn) F3(idn)
[Idr]
[idr]AA+ [idr] [idr]BBB+ [idr]BB+ [idr] kurang [Idr]A1+ [Idr]A2+ A3+ Kurang
PT iCRA [idr]
s.d [idr] A+ s.d s.d [idr] s.d [idr] B+ s.d dari [Idr] s.d [Idr] s.s [Idr] s.d dari [Idr]
PT iCRA AAA
AA- [idr]A- BBB- BB- [idr]B- B- A1 A2 [Idr] A3
A3
PT id BBB+ idA3
idAA+ s.d idA+ s.d id BB+ id B+ s.d kurang Kurang
Pemeringkat idAAA s.d id idA1 idA2 s.d
idAA- idA- s.d id BB- id B- dari id B- dari A4
Rating Agency BBB- idA4
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16)
1 Tagihan Claims to
Kepada Government
Pemerintah
2 Tagihan Claims on Public
Kepada Entitas Sector Entities
Sektor Publik
3 Tagihan Claims on
Kepada Bank Multilateral
Pembangunan Development
Multilateral Banks and
dan Lembaga International
Internasional Institutions
4 Tagihan Claims on Banks
Kepada Bank
5 Kredit Beragun Home-backed
Rumah Tinggal mortgage loans
6 Kredit Beragun Commercial
Properti Property Backed
Komersial Loans
7 Kredit Pegawai/ Employee /
Pensiunan Retiree Loans
8 Tagihan Claims on Micro,
Kepada Usaha Small Business
Mikro, Usaha and Retail
Kecil dan Portfolios
Portofolio Ritel
9 Tagihan kepada Claims on the
Korporasi Corporation
10 Tagihan yang Claims That
Telah Jatuh Have Been Due
Tempo Date
11 Aset Lainnya Other Assets
12 Eksposur di Exposure to
Unit Usaha Sharia Business
Syariah (apabila Units (if any)
ada)
Total
Tabel 3.1.b Pengungkapan Tagihan Bersih Berdasarkan Kategori Portofoilio dan Skala Peringkat - Bank secara Individual
Table 3.1.b Disclosure of Net Receivables by Portfolio Category and Rating Scale - Bank individually
2019
Lembaga
Peringkat Peringkat jangka panjang Peringkat jangka pendek
Rating Long term rating Short-term rating
Institution
standard and
Poor’s AA+ s.d BBB+ s.d BB+ s.d kurang Kurang
AAA A+ s.d A- B+ s.d B- A-1 A-2 A-3
standard and AA- BBB- BB- dari B- dari A-3
Poor’s
Fitch Rating AA+ s.d BBB+ s.d BB+ s.d kurang F1+ s.d Kurang
AAA A+ s.d A- B+ s.d B‑ F2 F3
Fitch Rating AA- BBB‑ BB‑ dari B- F1 dari F3
Kategori Portofolio
Moody’s Aa1 s.d Baa1 s.d Ba1 s.d kurang Kurang Tanpa
Portfolio Category Aaa A1 s.d A3 B1 s.d B3 P-1 P-2 P-3
Moody’s Aa3 Baa3 Ba3 dari B3 dari P-3 Peringkat Total
No rating
AA+(idn) A+(idn) BBB+(idn) BB+(idn) B+(idn) kurang F1+(idn) Kurang
PT. Fitch AAA
s.d AA- s.d s.d BBB- s.d BB- s.d dari s.d F2(idn) F3(idn) dari
PT. Fitch (idn)
(idn) A-(idn) (idn) (idn) B-(idn) B-(idn) F1(idn) F3(idn)
[Idr]
[idr]AA+ [idr] [idr]BBB+ [idr]BB+ [idr] kurang [Idr]A1+ [Idr]A2+ A3+ Kurang
PT iCRA [idr]
s.d [idr] A+ s.d s.d [idr] s.d [idr] B+ s.d dari [Idr] s.d [Idr] s.s [Idr] s.d dari [Idr]
PT iCRA AAA
AA- [idr]A- BBB- BB- [idr]B- B- A1 A2 [Idr] A3
A3
PT id BBB+ idA3
idAA+ s.d idA+ s.d id BB+ id B+ s.d kurang Kurang
Pemeringkat idAAA s.d id idA1 idA2 s.d
idAA- idA- s.d id BB- id B- dari id B- dari A4
Rating Agency BBB- idA4
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16)
1 Tagihan Claims to
Kepada Government
Pemerintah
2 Tagihan Claims on Public
Kepada Entitas Sector Entities
Sektor Publik
3 Tagihan Claims on
Kepada Bank Multilateral
Pembangunan Development
Multilateral Banks and
dan Lembaga International
Internasional Institutions
4 Tagihan Claims on Banks
Kepada Bank
5 Kredit Beragun Home-backed
Rumah Tinggal mortgage loans
6 Kredit Beragun Commercial
Properti Property Backed
Komersial Loans
7 Kredit Pegawai/ Employee /
Pensiunan Retiree Loans
8 Tagihan Claims on Micro,
Kepada Usaha Small Business
Mikro, Usaha and Retail
Kecil dan Portfolios
Portofolio Ritel
9 Tagihan kepada Claims on the
Korporasi Corporation
10 Tagihan yang Claims That
Telah Jatuh Have Been Due
Tempo Date
11 Aset Lainnya Other Assets
12 Eksposur di Exposure to
Unit Usaha Sharia Business
Syariah (apabila Units (if any)
ada)
Total
2018
Lembaga
Peringkat Peringkat jangka panjang Peringkat jangka pendek
Rating Long term rating Short-term rating
Institution
standard and
Poor’s AA+ s.d BBB+ s.d BB+ s.d kurang Kurang
AAA A+ s.d A- B+ s.d B- A-1 A-2 A-3
standard and AA- BBB- BB- dari B- dari A-3
Poor’s
Fitch Rating AA+ s.d BBB+ s.d BB+ s.d kurang F1+ s.d Kurang
AAA A+ s.d A- B+ s.d B‑ F2 F3
Fitch Rating AA- BBB‑ BB‑ dari B- F1 dari F3
Kategori Portofolio
Moody’s Aa1 s.d Baa1 s.d Ba1 s.d kurang Kurang Tanpa
Portfolio Category Aaa A1 s.d A3 B1 s.d B3 P-1 P-2 P-3
Moody’s Aa3 Baa3 Ba3 dari B3 dari P-3 Peringkat Total
No rating
AA+(idn) A+(idn) BBB+(idn) BB+(idn) B+(idn) kurang F1+(idn) Kurang
PT. Fitch AAA
s.d AA- s.d s.d BBB- s.d BB- s.d dari s.d F2(idn) F3(idn) dari
PT. Fitch (idn)
(idn) A-(idn) (idn) (idn) B-(idn) B-(idn) F1(idn) F3(idn)
[Idr]
[idr]AA+ [idr] [idr]BBB+ [idr]BB+ [idr] kurang [Idr]A1+ [Idr]A2+ A3+ Kurang
PT iCRA [idr]
s.d [idr] A+ s.d s.d [idr] s.d [idr] B+ s.d dari [Idr] s.d [Idr] s.s [Idr] s.d dari [Idr]
PT iCRA AAA
AA- [idr]A- BBB- BB- [idr]B- B- A1 A2 [Idr] A3
A3
PT id BBB+ idA3
idAA+ s.d idA+ s.d id BB+ id B+ s.d kurang Kurang
Pemeringkat idAAA s.d id idA1 idA2 s.d
idAA- idA- s.d id BB- id B- dari id B- dari A4
Rating Agency BBB- idA4
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16)
1 Tagihan Claims to
Kepada Government
Pemerintah
2 Tagihan Claims on Public
Kepada Entitas Sector Entities
Sektor Publik
3 Tagihan Claims on
Kepada Bank Multilateral
Pembangunan Development
Multilateral Banks and
dan Lembaga International
Internasional Institutions
4 Tagihan Claims on Banks
Kepada Bank
5 Kredit Beragun Home-backed
Rumah Tinggal mortgage loans
6 Kredit Beragun Commercial
Properti Property Backed
Komersial Loans
7 Kredit Pegawai/ Employee /
Pensiunan Retiree Loans
8 Tagihan Claims on Micro,
Kepada Usaha Small Business
Mikro, Usaha and Retail
Kecil dan Portfolios
Portofolio Ritel
9 Tagihan kepada Claims on the
Korporasi Corporation
10 Tagihan yang Claims That
Telah Jatuh Have Been Due
Tempo Date
11 Aset Lainnya Other Assets
12 Eksposur di Exposure to
Unit Usaha Sharia Business
Syariah (apabila Units (if any)
ada)
Total
2019 2018
Notional Ammount Notional Ammount
Notional Ammount Tagihan Tagihan Notional Ammount
>1 Bersih Bersih >1
Variabel yang Mendasari Tahun Tagihan Kewajiban Sebelum Setelah Tahun Tagihan Kewajiban Tagihan
No. Derivatif Derivatif MRK MRK MRK Derivatif Derivatif Bersih MRK
Basis of Variables ≤1 - ≤5 >5 ≤1 - ≤5 >5
Tahun Tahun Tahun Derivative Derivative Net MRK Net Tahun Tahun Tahun Derivative Derivative Sebelum MRK
≤1 >1 >5 Claims Obligations Claims Claims ≤1 >1 >5 Claims Obligations MRK
year Year years Before After year Year years
- ≤5 MRK MRK - ≤5
Years Years
Bank Secara Individual | Bank Individually
3 Lainnya Others
Total
3 Saham Stock
4 Emas Gold
6 Lainnya Others
Total
Tabel 3.2.b.1. Pengungkapan Risiko Kredit Pihak Lawan: Transaksi Repo - Bank secara Individual
Table 3.2.b.1. Disclosure of Counterparty Credit Risk: Individual Repo-Bank Transactions
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
1 Tagihan Claims to
Kepada Government
Pemerintah
2 Tagihan Claims on
Kepada Entitas Public Sector
Sektor Publik Entities
3 Tagihan Claims on
Kepada Bank Multilateral
Pembangunan Development
Multilateral Banks and
dan Lembaga International
Internasional Institutions
4 Tagihan Claims on
Kepada Bank Banks
5 Tagihan Claims on
Kepada Usaha Micro Business
Mikro dan and Retail
Portofoio Ritel Portfolio
6 Taguhan Claims on
Kepada Corporate
Korporasi
7 Eksposur di Exposure to
Unit Usaha Sharia Business
Syariah Units (if any)
(apabila ada)
Total
Tabel 3.2.b.2. Pengungkapan Risiko Kredit Pihak Lawan: Transaksi Repo - Bank secara Konsolidasi dengan Perusahaan Anak
Table 3.2.b.2. Counterparty Credit Risk Disclosure: Consolidated Repo-Bank Transactions with Subsidiaries
2019 2018
Kategori Portofolio Nilai Wajar SSB Kewajiban Tagihan Nilai Wajar Kewajiban Tagihan
No Repo Repo Bersih ATMR SSB Repo Repo Bersih ATMR
Portfolio Category
Fair Value of Repo Net ATMR Fair Value of Repo Net ATMR
SSB Repo Obligations Claims SSB Repo Obligations Claims
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
1 Tagihan Claims to
Kepada Government
Pemerintah
2 Tagihan Claims on
Kepada Entitas Public Sector
Sektor Publik Entities
3 Tagihan Claims on
Kepada Bank Multilateral
Pembangunan Development
Multilateral Banks and
dan Lembaga International
Internasional Institutions
4 Tagihan Claims on
Kepada Bank Banks
5 Tagihan Claims on
Kepada Usaha Micro Business
Mikro dan and Retail
Portofoio Ritel Portfolio
6 Taguhan Claims on
Kepada Corporate
Korporasi
7 Eksposur di Exposure to
Unit Usaha Sharia Business
Syariah Units (if any)
(apabila ada)
Total
Tabel 3.2.c.1. Pengungkapan Risiko Kredit Pihak Lawan: Transaksi Reverse Repo - Bank secara Individual
Table 3.2.c.1. Disclosure of Counterparty Credit Risk: Reverse Repo Transactions - Bank individually
2019 2018
ATMR ATMR
Kategori Portofolio Tagihan Bersih Tagihan Bersih
No Tagihan Setelah Tagihan Setelah
Nilai MRK Setelah MRK Nilai MRK Setelah MRK
Portfolio Category Bersih MRK Bersih MRK
MRK Value Net Claims MRK Value Net Claims
Net Claims ATMR after Net Claims ATMR after
after MRK after MRK
MRK MRK
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
3 Tagihan Claims on
Kepada Bank Multilateral
Pembangunan Development
Multilateral Banks and
dan Lembaga International
Internasional Institutions
6 Taguhan Claims on
Kepada Corporate
Korporasi
Total
Tabel 3.2.c.2. Pengungkapan Risiko Kredit Pihak Lawan: Transaksi Reverse Repo - Bank secara Konsolidasi dengan Perusahaan Anak
Table 3.2.c.2. Disclosure of Counterparty Credit Risk: Consolidated Reverse Repo - Bank Transactions with Subsidiary Companies
2019 2018
ATMR ATMR
Kategori Portofolio Tagihan Bersih Tagihan Bersih
No Tagihan Setelah Tagihan Setelah
Nilai MRK Setelah MRK Nilai MRK Setelah MRK
Portfolio Category Bersih MRK Bersih MRK
MRK Value Net Claims MRK Value Net Claims
Net Claims ATMR after Net Claims ATMR after
after MRK after MRK
MRK MRK
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)
3 Tagihan Claims on
Kepada Bank Multilateral
Pembangunan Development
Multilateral Banks and
dan Lembaga International
Internasional Institutions
6 Taguhan Claims on
Kepada Corporate
Korporasi
Total
Tabel 4.1.a. Pengungkapan Tagihan Bersih Berdasarkan Bobot Risiko Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit - Bank secara Individual
Table 4.1.a. Disclosure of Net Claims Based on Risk Weight After Calculating the Impact of Credit Risk Mitigation - Bank individually
2019
Beban
Kategori Portfolio Tagihan Bersih Memperhitungkan Dampak Mitigasi Risiko Kredit ATMR Modal
No. Net Claims Calculate the Impact of Credit Risk Mitigation
Portofolio Category RWA Capital
Expenses
0% 20% 35% 40% 45% 50% 75% 100% 150% Lainnya
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14)
3 Tagihan Claims on - - - - - - - - - - - -
Kepada Bank Multilateral
Pembangunan Development
Multilateral Banks and
dan Lembaga International
Internasional Institutions
12 Eksposur di Exposure to - - - - - - - - - - - -
Unit Usaha Sharia Business
Syariah Units (if any)
(apabila ada)
Total Eksposur Total Balance 19,904,024,00 2,914,760,00 6,069,796,00 - - 54,781,165,00 8,704,158,00 12,073,777,00 41,785,00 - 44,115,906,15
Neraca Sheet Exposures
B Eksposur Exposure to
Kewajiban Commitment /
Komitmen/ Contingencies in
Kontinjensi Administrative
pd Transaksi Account
Rekening Transactions
Administratif
3 Tagihan Claims on - - - - - - - - - - - -
Kepada Bank Multilateral
Pembangunan Development
Multilateral Banks and
dan Lembaga International
Internasional Institutions
2018
Beban
Tagihan Bersih Memperhitungkan Dampak Mitigasi Risiko Kredit ATMR Modal
Net Claims Calculate the Impact of Credit Risk Mitigation RWA Capital
Expenses
0% 20% 35% 40% 45% 50% 75% 100% 150% Lainnya
(15) (16) (17) (18) (19) (20) (21) (22) (23) (24) (25) (26)
25,765,137 - - - - - - - - - - -
- 262,589 - - - - - - - - 52,518 -
- - - - - - - - - - - -
- - 5,671,921 - - - - - - - 1,985,172 -
- - - - - - - - - - - -
- - - - - 51,386,107 - - - - 25,693,054 -
- - - - - - 8,805,300 - - - 6,603,975 -
- - - - - - - - - - - -
- - - - - - - - - - - -
- - - - - - - - - - - -
- - - - - 529,417 - - - - - -
- - - - - - - - - - - -
- - - - - - - - - - - -
- - - - - - - - - - - -
- - - - - - - - - - - -
- - - - - - - - - - - -
2019
Beban
Kategori Portfolio Tagihan Bersih Memperhitungkan Dampak Mitigasi Risiko Kredit ATMR Modal
No. Net Claims Calculate the Impact of Credit Risk Mitigation
Portofolio Category RWA Capital
Expenses
0% 20% 35% 40% 45% 50% 75% 100% 150% Lainnya
11 Eksposur di Exposure to - - - - - - - - - - - -
Unit Usaha Sharia Business
Syariah Units (if any)
(apabila ada)
3 Tagihan Claims on - - - - - - - - - - - -
Kepada Bank Multilateral
Pembangunan Development
Multilateral Banks and
dan Lembaga International
Internasional Institutions
7 Eksposur di Exposure to - - - - - - - - - - - -
Unit Usaha Sharia Business
Syariah Units (if any)
(apabila ada)
2018
Beban
Tagihan Bersih Memperhitungkan Dampak Mitigasi Risiko Kredit ATMR Modal
Net Claims Calculate the Impact of Credit Risk Mitigation RWA Capital
Expenses
0% 20% 35% 40% 45% 50% 75% 100% 150% Lainnya
- - - - - - - - - - - -
- - - - - - - - - - - -
- - - - - - - - - - - -
- - - - - - - - - - - -
- - - - - - - - - 2,829,879 - -
- - - - - - - - - - - -
- - - - - - - - - - - -
- - - - - - - - - - - -
- - - - - - - - - - - -
- - - - - - - - - - - -
- - - - - - - - - - - -
- - - - - - - - - - - -
Tabel 4.1.b. Pengungkapan Tagihan Bersih Berdasarkan Bobot Risiko Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit - Bank secara Konsolidasi dengan Perusahaan Anak
Table 4.1.b. Disclosure of Net Claims Based on Risk Weight After Calculating the Impact of Credit Risk Mitigation in a Consolidated Bank with Subsidiary Companies
2019
Beban
Kategori Portfolio Tagihan Bersih Memperhitungkan Dampak Mitigasi Risiko Kredit ATMR Modal
No. Net Claims Calculate the Impact of Credit Risk Mitigation
Portofolio Category RWA Capital
Expenses
0% 20% 35% 40% 45% 50% 75% 100% 150% Lainnya
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14)
3 Tagihan Claims on - - - - - - - - - - - -
Kepada Bank Multilateral
Pembangunan Development
Multilateral Banks and
dan Lembaga International
Internasional Institutions
12 Eksposur di Exposure to - - - - - - - - - - - -
Unit Usaha Sharia Business
Syariah Units (if any)
(apabila ada)
Total Total Balance 26,900,358 4,348,195 6,333,825 - - 54,216,376 9,492,469 16,597,158 - - 44,168,424 -
Eksposur Sheet
Neraca Exposures
B Eksposur Exposure to
Kewajiban Commitment /
Komitmen/ Contingencies in
Kontinjensi Administrative
pd Transaksi Account
Rekening Transactions
Administratif
3 Tagihan Claims on - - - - - - - - - - - -
Kepada Bank Multilateral
Pembangunan Development
Multilateral Banks and
dan Lembaga International
Internasional Institutions
2018
Beban
Tagihan Bersih Memperhitungkan Dampak Mitigasi Risiko Kredit ATMR Modal
Net Claims Calculate the Impact of Credit Risk Mitigation RWA Capital
Expenses
0% 20% 35% 40% 45% 50% 75% 100% 150% Lainnya
(15) (16) (17) (18) (19) (20) (21) (22) (23) (24) (25) (26)
26,900,358 - - - - - - - - - - -
- 347,416 - - - - - - - - 52,518 -
- - - - - - - - - - - -
- - 6,317,734 - - - - - - - 1,985,172 -
- - 16,091 - - - - - - - - -
- - - - - 53,163,153 - - - - 25,693,054 -
- - - - - - 9,492,469 - - - 6,603,975 -
- - - - - - - 97,999 - - - -
- - - - - - - 6,281,235 - - - -
- - - - - - - - - - - -
- - - - - 529,417 - - - - - -
- - - - - - - - - - - -
- - - - - - - - - - - -
- - - - - - - - - - - -
- - - - - - - - - - - -
- - - - - - - - - - - -
- - - - - - - - - - - -
2019
Beban
Kategori Portfolio Tagihan Bersih Memperhitungkan Dampak Mitigasi Risiko Kredit ATMR Modal
No. Net Claims Calculate the Impact of Credit Risk Mitigation
Portofolio Category RWA Capital
Expenses
0% 20% 35% 40% 45% 50% 75% 100% 150% Lainnya
11 Eksposur di Exposure to - - - - - - - - - - - -
Unit Usaha Sharia Business
Syariah Units (if any)
(apabila ada)
1 Tagihan Claims to - - - - - - - - - - -
Kepada Government 2,829,879
Pemerintah
3 Tagihan Claims on - - - - - - - - - - - -
Kepada Bank Multilateral
Pembangunan Development
Multilateral Banks and
dan Lembaga International
Internasional Institutions
7 Eksposur di Exposure to - - - - - - - - - - - -
Unit Usaha Sharia Business
Syariah Units (if any)
(apabila ada)
Total Total - - - - - - - - - - - -
Eksposur Counterparty
Counterparty Credit Risk
Credit Risk Exposure
2018
Beban
Tagihan Bersih Memperhitungkan Dampak Mitigasi Risiko Kredit ATMR Modal
Net Claims Calculate the Impact of Credit Risk Mitigation RWA Capital
Expenses
0% 20% 35% 40% 45% 50% 75% 100% 150% Lainnya
- - - - - - - - - - - -
- - - - - - - - - - - -
- - - - - - - - - - - -
- - - - - - - - - 2,829,879 - -
- - - - - - - - - - - -
- - - - - - - - - - - -
- - - - - - - - - - - -
- - - - - - - - - - - -
- - - - - - - - - - - -
- - - - - - - - - - - -
- - - - - - - - - - - -
Tabel 4.2.a. Pengungkapan Tagihan Bersih dan Teknik Mitigasi Risiko Kredit - Bank secara Individual
Table 4.2.a. Disclosure of Net Receivables and Credit Risk Mitigation Techniques - Individual Banks
2019
26,900,358 - - - - -
347,416 - - - - -
- - - - - -
4,773,395 - - - - -
6,317,734 - - - - -
16,091 - - - - -
53,163,153 - - - - -
9,492,469 - - - - -
10,498,531 - - - - -
-
97,999 - - - - -
6,281,235 - - - - -
529,417 - - - - -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
152,770 - - - - -
- - - - - -
- - - - - -
(57,371) - - - - -
2,829,879 - - - - -
2,829,879 - - - - -
- - - - - -
- - - - - -
- - - - - -
76 - - - - -
- - - - - -
2,829,955 - - - - -
- - - - - -
Tabel 4.2.b. Pengungkapan Tagihan Bersih dan Teknik Mitigasi Risiko Kredit - Bank secara Konsolidasi dengan Perusahaan Anak
Table 4.2.b. Disclosure of Net Claims and Credit Risk Mitigation Techniques in a Consolidated Bank with Subsidiary Companies
2019
23,783,189 - - - - 23,783,189
635,178 - - - - 635,178
- - - - - -
4,056,802 - - - - 4,056,802
4,638,474 - - - - 4,638,474
5,997 - - - - 5,997
46,938,647 - - - - 46,938,647
7,686,363 - - 2,162,169 - 5,524,194
- - - - - -
4,229,472 - - - - 4,229,472
- - - - - -
91,974,122 - - - - 89,811,953
- - - - - -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
717,853 - - - - 717,853
- - - - - -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
Tabel 5.1.b. Pengungkapan Transaksi Sekuritisasi - Bank secara Konsolidasi dengan Perusahaan Anak
Table 5.1.b. Disclosure of Securitization Transactions - Bank Consolidated with Subsidiaries
(dalam jutaan Rupiah) | (in million IDR)
2019 2018
Nilai aset yang Nilai aset yang
disekuritisasi disekuritisasi
yang mengalami yang mengalami Laba/
penurunan nilai Laba/rugi penurunan nilai rugi dari
Nilai aset yang The value of dari aktivitas The value of
No. Eksposur Securitization Pengurang aktivitas Pengurang
disekuritisasi securitized assets sekuritisasi Nilai aset securitized assets
No Sekuritisasi Exposures ATMR Modal sekuritisasi ATMR Modal
The value of that are impaired Profit / yang that are impaired
RWA Capital The value RWA Capital
assets that are loss from disekuritisasi
Belum Reduction Belum of assets Reduction
securitized Tidak securitization Tidak
jatuh jatuh that are
jatuh activities jatuh
tempo tempo securitized
tempo tempo
Not yet Not yet
Not due Not due
due due
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13 (14)
Tabel 5.2.a. Pengungkapan Ringkasan Aktivitas Transaksi Sekuritisasi Bank Bertindak Sebagai Kreditur Asal - Bank secara Individual
Table 5.2.a. Disclosure Summary of Bank Securitization Transaction Activities Acting as Originator - Bank Individually
(dalam jutaan Rupiah) | (in million IDR)
2019 2018
Nilai aset yang
Understanding asset Keuntungan Nilai aset yang
disekuritisasi Keuntungan (kerugian)
No (kerugian) disekuritisasi
Understanding asset The value of Penjualan
Penjualan The value of assets
assets that are Sales profit (loss)
Sales profit (loss) that are securitized
securitized
(1) (2) (3) (4) (5) (6)
1 Tagihan Kepada Claims to
Pemerintah Government
2 Tagihan Kepada Claims on Public
Entitas Sektor Sector Entities
Publik
3 Tagihan Claims To the
Kepada Bank Multilateral
Pembangunan Development
Multilateral Banks and
dan Lembaga International
Internasional Institutions
4 Tagihan Kepada Claims on Banks
Bank
5 Kredit Beragun Home-backed
Rumah Tinggal mortgage loans
6 Kredit Beragun Commercial
Properti Property Backed
Komersial Loans
7 Kredit Pegawai/ Employee / Retiree
Pensiunan Credit
8 Tagihan Kepada Claims on Micro,
Usaha Mikro, Small Business and
Usaha Kecil dan Retail Portfolios
Portofolio Ritel
9 Tagihan Kepada Claims To
Korporasi Corporations
10 Aset Lainnya Other Assets
11 eksposur di Unit exposure in Sharia
Usaha Syariah Business Unit (if
(apabila ada) any)
Total
Tabel 5.2.b. Pengungkapan Ringkasan Aktivitas Transaksi Sekuritisasi Bank Bertindak Sebagai Kreditur Asal - Bank secara Konsolidasi dengan Perusahaan Anak
Table 5.2.b. Disclosure Summary of Bank Securitization Transaction Activities Acting as Originator - Bank Consolidated with Subsidiary Companies
(dalam jutaan Rupiah) | (in million IDR)
2019 2018
Nilai aset yang
Understanding asset Keuntungan Nilai aset yang
disekuritisasi Keuntungan (kerugian)
No (kerugian) disekuritisasi
Understanding asset The value of Penjualan
Penjualan The value of assets
assets that are Sales profit (loss)
Sales profit (loss) that are securitized
securitized
(1) (2) (3) (4) (5) (6)
1 Tagihan Kepada Claims to
Pemerintah Government
2 Tagihan Kepada Claims on Public
Entitas Sektor Sector Entities
Publik
3 Tagihan Claims To the
Kepada Bank Multilateral
Pembangunan Development
Multilateral Banks and
dan Lembaga International
Internasional Institutions
4 Tagihan Kepada Claims on Banks
Bank
5 Kredit Beragun Home-backed
Rumah Tinggal mortgage loans
6 Kredit Beragun Commercial
Properti Property Backed
Komersial Loans
7 Kredit Pegawai/ Employee / Retiree
Pensiunan Credit
8 Tagihan Kepada Claims on Micro,
Usaha Mikro, Small Business and
Usaha Kecil dan Retail Portfolios
Portofolio Ritel
9 Tagihan Kepada Claims To
Korporasi Corporations
10 Aset Lainnya Other Assets
11 eksposur di Unit exposure in Sharia
Usaha Syariah Business Unit (if
(apabila ada) any)
Total
2019 2018
ATMR ATMR ATMR
ATMR
Tagihan sebelum setelah Tagihan sebelum
No Kategori Portfolio Portfolio Category setelah MRK
Bersih MRK MRK Bersih MRK
RWA after
Net Claims RWA before RWA after Net Claims RWA before
MRK
MRK MRK MRK
(1) (2) (2) (3) (4) (5) (6) (7) (8)
Tabel 6.1.2. Pengungkapan Eksposur Kewajiban Komitmen/Kontinjensi pada Transaksi Rekening Administratif
Table 6.1.2. Disclosure of Commitment / Contingent Liability Exposures in Administrative Account Transactions
dalam jutaan Rupiah
in million IDR
2019 2018
ATMR ATMR
ATMR ATMR
sebelum sebelum
Tagihan setelah Tagihan setelah
No Kategori Portfolio Portfolio Category MRK MRK
Bersih MRK Bersih MRK
RWA RWA
Net Claims RWA after Net Claims RWA after
before before
MRK MRK
MRK MRK
(1) (2) (2) (3) (4) (5) (6) (7) (8)
Tabel 6.1.3. Pengungkapan Eksposur yang menimbulkan Risiko Kredit akibat Kegagalan Pihak Lawan (Counterparty Credit Risk)
Table 6.1.3. Disclosure of Exposures that pose Credit Risk due to Counterparty Credit Risk dalam jutaan Rupiah
in million IDR
2019 2018
ATMR ATMR
ATMR ATMR
sebelum sebelum
Tagihan setelah Tagihan setelah
No Kategori Portfolio Portfolio Category MRK MRK
Bersih MRK Bersih MRK
RWA RWA
Net Claims RWA after Net Claims RWA after
before before
MRK MRK
MRK MRK
(1) (2) (2) (3) (4) (5) (6) (7) (8)
Tabel 6.1.4 Pengungkapan Eksposur yang menimbulkan Risiko Kredit akibat Kegagalan Setelmen (Settlement Risk)
Table 6.1.4 Disclosure of Exposures that pose Credit Risk due to Settlement Risk dalam jutaan Rupiah
in million IDR
2019 2018
Faktor Faktor
ATMR ATMR
Nilai Pengurang Nilai Pengurang
setelah setelah
No Kategori Portfolio Portfolio Category Eksposur Modal Eksposur Modal
MRK MRK
Exposure Capital Exposure Capital
RWA after RWA after
Value Deduction Value Deduction
MRK MRK
Factor Factor
(1) (2) (2) (3) (4) (5) (6) (7) (8)
2019 2018
Faktor
Faktor Pengurang
Pengurang
No Jenis Transaksi Transaction Type Modal ATMR ATMR
Modal
Capital Deduction RWA RWA
Capital Deduction
Factor
Factor
(1) (2) (2) (3) (4) (5) (6)
2019 2018
Faktor Faktor
Pengurang Pengurang
No Jenis Transaksi Transaction Type Modal ATMR Modal ATMR
Capital RWA Capital RWA
Deduction Deduction
Factor Facto
(1) (2) (3) (4) (5) (6)
Total Eksposur
2019 2018
Perhitungan ATMR Risiko Kredit Pendekatan Standar - Bank secara Konsolidasi dengan Perusahaan Anak:
lculation of RWA Credit Risk Standard Approach - Bank individually:
2019 2018
No Kategori Portfolio Portfolio Category ATMR sebelum ATMR setelah ATMR sebelum ATMR setelah
Tagihan Bersih Tagihan Bersih
MRK MRK MRK MRK
Net Claims Net Claims
RWA before MRK RWA after MRK RWA before MRK RWA after MRK
Tabel 6.2.2. Pengungkapan Eksposur Kewajiban Komitmen/Kontinjensi pada Transaksi Rekening Administratif
Table 6.2.2. Disclosure of Commitment / Contingent Liability Exposures in Administrative Account Transactions
dalam jutaan Rupiah
in million IDR
2019 2018
No Kategori Portfolio Kategori Portfolio ATMR sebelum ATMR setelah ATMR sebelum ATMR setelah
Tagihan Bersih Tagihan Bersih
MRK MRK MRK MRK
Net Claims Net Claims
RWA before MRK RWA after MRK RWA before MRK RWA after MRK
Tabel 6.2.3. Pengungkapan Eksposur yang menimbulkan Risiko Kredit akibat Kegagalan Pihak Lawan (Counterparty Credit Risk)
Table 6.2.3. Disclosure of Exposures that pose Credit Risk due to Counterparty Credit Risk
dalam jutaan Rupiah
in million IDR
2019 2018
No Kategori Portfolio Kategori Portfolio ATMR sebelum ATMR setelah ATMR sebelum ATMR setelah
Tagihan Bersih Tagihan Bersih
MRK MRK MRK MRK
Net Claims Net Claims
RWA before MRK RWA after MRK RWA before MRK RWA after MRK
Tabel 6.2.4 Pengungkapan Eksposur yang menimbulkan Risiko Kredit akibat Kegagalan Setelmen (Settlement Risk)
Table 6.2.4 Disclosure of Exposures that pose Credit Risk due to Settlement Risk
dalam jutaan Rupiah
in million IDR
2019 2018
No Kategori Portfolio Kategori Portfolio ATMR sebelum ATMR setelah ATMR sebelum ATMR setelah
Tagihan Bersih Tagihan Bersih
MRK MRK MRK MRK
Net Claims Net Claims
RWA before MRK RWA after MRK RWA before MRK RWA after MRK
2019 2018
Faktor
Faktor Pengurang
Pengurang
No Jenis Transaksi Transaction Type Modal ATMR ATMR
Modal
Capital Deduction RWA RWA
Capital Deduction
Factor
Factor
(1) (2) (2) (3) (4) (5) (6)
2019 2018
Faktor Faktor
Pengurang Pengurang
No Jenis Transaksi Transaction Type Modal ATMR Modal ATMR
Capital RWA Capital RWA
Deduction Deduction
Factor Facto
(1) (2) (3) (4) (5) (6)
Total Eksposur
2019 2018
• Risiko Suku Bunga adalah risiko akibat • Interest Rate Risk is the risk due to changes in
perubahan harga instrumen keuangan dari financial instrument prices from Trading Book
posisi Trading Book yang disebabkan oleh positions caused by risk factor movements
pergerakan sensitivitas risiko (risk factor) pada on each instrument or due to changes in the
setiap instrumen atau akibat perubahan economic value of capital of the bank from
nilai ekonomis modal (Economic Value of Banking Book activities caused by changes in
Equity) bank dari aktivitas Banking Book yang interest rates .
disebabkan oleh perubahan suku bunga.
• Klasifikasi risiko suku bunga mencakup pula • Interest rate risk classification includes interest
risiko suku bunga dari posisi Banking Book rate risk from the Banking Book position which
yang antara lain meliputi repricing risk, yield includes repricing risk, yield curve risk, basis
curve risk, basis risk, dan optionality risk. risk, and optionality risk.
• Risiko Nilai Tukar adalah risiko akibat • Exchange Rate Risk is the risk due to changes in
perubahan nilai posisi terbuka valuta the value of open positions in the Trading Book
asing klasifikasi Trading Book atau akibat classification or due to changes in the position
perubahan posisi Devisa Neto bank (Banking of the Bank’s Net Open Exchange (Banking
Book) yang disebabkan oleh perubahan nilai Book) caused by changes in foreign exchange
tukar valuta asing. rates.
Risiko pasar timbul dari pergerakan/perubahan Market risk arises from movements / changes in
tingkat suku bunga dan/atau nilai tukar interest rates and / or exchange rates that affect
yang mempengaruhi posisi keuangan bank the financial position of banks, especially towards
khususnya terhadap rasio permodalan. Secara capital ratios. Broadly speaking, market risk
garis besar, manajemen risiko pasar terbagi management is divided into 2 (two), namely trading
menjadi 2 (dua) yaitu manajamen risiko pasar book market risk management and banking book
trading book dan manajemen risiko pasar market risk management. The source of trading
banking book. Sumber risiko pasar trading book book market risk arises from the Dealing Room
timbul dari aktivitas Dealing Room Divisi Treasuri of the Treasury Division due to the bank’s open
akibat posisi terbuka bank yang terekspos position exposed to movements in interest rates or
pergerakan suku bunga atau nilai tukar valuta foreign exchange rates.
asing.
Sumber risiko pasar banking book timbul Sources of banking book market risk arise, among
antara lain disebabkan oleh perubahan stuktur others, due to changes in the structure of the bank’s
portofolio neraca dan rekening adminstratif bank balance sheet and administrative accounts which
yang sensitif terhadap pergerakan suku bunga are sensitive to interest rate movements so that it
sehingga berdampak terhadap pendapatan has an impact on net interest income and which
bunga bersih dan yang yang disebabkan pula is also caused by changes in the structure of the
karena perubahan struktur portofolio neraca bank’s balance sheet and administrative accounts
dan rekening adminstratif bank yang sensitif
terhadap pergerakan nilaii tukar yang tercermin which are sensitive to exchange rate movements
dari Posisi Devisa Neto bank. reflected by the bank’s Net Open Position.
Dalam pelaksanaan pengawasannya, Dewan In carrying out its supervision, the Board of
Komisaris dibantu oleh Komite Pemantau Commissioners is assisted by the Bank’s Risk
Risiko (KPR) bank secara berkala melakukan Monitoring Committee (KPR) periodically
pengawasan melalui koordinasi dengan Satuan conducts supervision in coordination with the
Kerja Manajemen Risiko. Media koordinasi yang Risk Management Work Unit. The coordination
digunakan dapat berupa laporan pemantauan media used can be in the form of risk monitoring
risiko oleh SKMR yang disampaikan kepada reports by SKMR submitted to the Risk Monitoring
Komite Pemantau Risiko ataupun melalui Committee or through media meetings between
media rapat antara kedua belah pihak. Pada the two parties. In its implementation, the meeting
implementasinya, pelaksanaan rapat yang held generally discusses the application of risk
diadakan umumnya membahas penerapan management in the Company involving among
manajemen risiko di Perseroan menyangkut others the application of market risk risk tolerance
diantaranya penerapan pengukuran risk measurement, discussion of material risk profiles,
tolerance risiko pasar, pembahasan profil risiko as well as the adequacy and evaluation of
yang bersifat material, serta kecukupan dan methodologies and / or market risk measurement
evaluasi metodologi dan/atau tools pengukuran tools used by the Risk Management Work Unit.
risiko pasar yang dipergunakan Satuan Kerja
Manajemen Risiko.
Pengawasan yang dilakukan oleh Direksi adalah Supervision conducted by the Board of Directors is
melalui pemantauan penerapan limit Treasury through periodic monitoring of the application of
secara berkala baik terjadi pelampauan limit Treasury limits, both breach limits and no exceeding
(breach limit) maupun tidak terjadi pelampauan limits, and approval of new limits or after changes
limit, dan melakukan persetujuan atas limit are made. While the discussion of market risk
yang bersifat baru ataupun setelah dilakukan exposures was discussed in a Risk Management
perubahan. Sedangkan pembahasan eksposur Committee meeting. In line with market risk
risiko pasar dibahas dalam rapat Komite management policies regarding the escalation
Manajemen Risiko (Risk Management Committee). stages of limit exceeding, every limit exceeding will
Sejalan dengan kebijakan manajemen be informed and approved if abnormal conditions
risiko pasar mengenai tahapan eskalasi occur in the Risk Management Committee (RMC).
pelampauan limit, setiap pelampauan limit akan
diinformasikan dan disetujui apabila terjadi
kondisi abnormal dalam Komite Manajemen Market risk management is arranged in the form of
Risiko (RMC). Pengelolaan risiko pasar tersebut policies, procedures, risk limits and other decision
disusun ke dalam bentuk kebijakan, prosedur, results related to market risk management. Market
limit risiko dan hasil keputusan lainnya terkait risk limits and bank risk appetite are evaluated
dengan pengelolaan risiko pasar. Limit risiko periodically or at any time needed to be evaluated
pasar dan risk appetite bank dievaluasi secara in accordance with changes in the bank’s business
periodik atau sewaktuwaktu diperlukan untuk environment.
dilakukan evaluasi sesuai dengan perubahan
lingkungan bisnis bank.
Terkait dengan evaluasi penetapan limit Dealing In connection with the evaluation of the
Room Treasury dan ALM yang diajukan oleh determination of the Dealing Room Treasury and
Divisi Treasury, Satuan Kerja Manajemen Risiko ALM limits proposed by the Treasury Division, the
melakukan evaluasi terhadap limit tersebut Risk Management Work Unit evaluates these limits
dengan metodologi yang telah disahkan dalam using the methodology that has been approved in
pedoman manajemen risiko bank. Limit untuk the bank’s risk management guidelines. Limit for
level portofolio treasury dievaluasi minimal satu treasury portfolio level is evaluated at least once
tahun sekali atau dapat dilakukan lebih sering a year or can be done more frequently if there is
jika terdapat pergerakan volatilitas harga pasar a movement in market price volatility or changes
atau perubahan business plan risk taking unit. in business plan risk taking units. Evaluation of
Evaluasi analisa tersebut sekurang-kurangnya the analysis contains at least information on
memuat informasi mengenai latar belakang the background of changes in limits, current
perubahan limit, kondisi saat ini, dasar conditions, the basis for calculating changes in
perhitungan dalam melakukan perubahan limits, compliance with regulations and the impact
limit, kepatuhan terhadap regulasi dan dampak on capital.
terhadap modal.
Pengajuan limit harus meliputi kriteria-kriteria Submission of limits must include the following
sebagai berikut: criteria:
Divisi Treasuri sebagai risk taking unit Treasury Division as a risk taking unit
menerapkan “trading” dan “hedging” secara implements “trading” and “hedging” regularly
berkala sebagai bagian dari proses pengelolaan as part of the Treasury business management
bisnis Treasury khususnya bidang Treasury process, especially in the field of Treasury
Trading. Pada konteks limit berbasis risiko ini, Trading. In the context of this risk-based limit,
yang ditentukan adalah limit yang berkaitan what is determined is the limit relating to
dengan aktivitas Treasury. Dalam proses Treasury activities. In the process of applying
penerapan limit dilakukan usaha pendekatan limits, an attempt is made to approach where
dimana terdapat komponen-komponen yang there are supporting components including:
mendukung diantaranya:
Prosedur kerja pengukuran limit unit bisnis The work procedure for measuring Treasury
Treasuri mempertimbangkan beberapa business unit limits considers several aspects
aspek yang dinilai cukup berpotensial dalam that are considered to be quite potential in
menimbulkan kejadian risiko. Komponen causing risk events. The underlying component
yang mendasari dalam pengukuran limit in the measurement limit loading namely:
memuat yaitu:
• Faktor sensitivitas risiko pasar Setiap • Market risk sensitivity factors Each Treasury
aktivitas Treasuri terdapat risiko activity has inherent risk (risk inherent)
yang melekat (risk inherent) dimana where the process of measuring risk must
proses dalam pengukuran risiko harus be based on the risk sensitivity inherent in
didasarkan pada sensitivitas risiko yang Treasury transaction activities. Market risk
melekat pada aktivitas transaksi Treasuri. sensitivity factors include PV01, Duration
Faktor sensitivitas risiko pasar meliputi and transaction volatility.
yaitu PV01, Duration dan volatilitas
transaksi.
• Kecukupan Data • Data Adequacy
Kecukupan data diperlukan sebagai Adequacy of data is needed as an adequate
kecukupan prosedur analisis statistik dan statistical analysis procedure and so that
agar analisis pengukuran terhadap risiko the measurement of risk analysis produces
menghasilkan output yang memadai adequate output and is in accordance
dan sesuai dengan eksposur risiko yang with the risk exposures faced by the bank.
dihadapi oleh bank. Data yang diperlukan The data needed is historical data needed
adalah data historis yang dibutuhkan guna to strengthen an analysis of risk limit
memperkuat suatu analisis pengukuran measurements.
limit risiko.
• Pengukuran Value at Risk • Measurement of Value at Risk
Model Value at Risk tersebut dipergunakan The Value at Risk model is used in measuring
dalam mengukur dan menganalisa risiko and analyzing Treasury transaction risk in
transaksi Treasuri secara komprehensif a comprehensive and measurable manner.
dan terukur. Misalnya, penggunaan VaR For example, the use of VaR (value at risk)
(value at risk) untuk mengukur kerugian/ to measure losses / budget loss on Treasury
budget loss atas aktivitas transaksi Treasury trading transaction activities. In addition,
trading selain itu kegunaan model ini the use of this model can also measure
juga dapat mengukur perkiraan kerugian the estimated worst losses that can be
terburuk yang dapat dialami Bank dalam experienced by the Bank in certain intervals
selang waktu tertentu pada kondisi pasar under normal market conditions and a
yang normal dan tingkat kepercayaan certain level of confidence.
tertentu.
Beberapa strategi pengelolaan risiko pasar yang Some of the market risk management strategies
dilakukan Perseroan adalah mencakup sistem undertaken by Company include systems and
dan prosedur dengan menggunakan teknik procedures using Mark To Market, Value at Risk
Mark To Market, Value at Risk (VaR), Stress Testing, (VaR) techniques, Stress Testing, Repricing Gap
Repricing Gap & Duration Gap Model atau metoda & Duration Gap Models or other appropriate
lain yang sesuai untuk mendapatkan nilai wajar methods to obtain fair value of periodic exposures,
eksposur secara berkala, sekaligus merupakan as well as being the right platform for assessing risk
platform yang tepat untuk menilai posisi risiko. positions.
Pada saat ini Perseroan menerapkan metode At this time the Company applies a method that is
yang mampu mengukur risiko terhadap nilai able to measure risk to the exchange rate, namely
tukar yaitu dengan menggunakan Model by using the EWMA Var Exchange Rate Model
Nilai Tukar Var EWMA (Exponential Weighted (Exponential Weighted Moving Average) which is
Moving Average) yang dilengkapi dengan equipped with to capture the exchange rate risk
Fundamental Analysis dan Historical Simulation level reflected in the Net Open Position. Company
untuk menangkap tingkat risiko nilai tukar yang
tercermin dalam Posisi Devisa Netto. Perseroan has also developed a model for measuring
juga telah membangun model pengukuran interest rate risk using a methodology that can
risiko tingkat suku bunga dengan menggunakan capture interest rate risk from portfolio assets and
metodologi yang dapat menangkap risiko suku liabilities that are sensitive to changes in interest
bunga dari portofolio aset dan kewajiban yang rates and determine the amount of risk to banks
sensitive terhadap perubahan suku bunga serta through Repricing Profile, Duration GAP, and
menentukan besaran risiko terhadap bank Economic Value of Equity ( EVE). In the process
melalui Repricing Profile, Duration GAP, dan of measuring potential losses both interest rates
Economic Value of Equity (EVE). Dalam proses and exchange rates of Treasury transactions are
pengukuran potensi kerugian baik itu suku measured through historical VaR simulation both
bunga dan nilai tukar dari transaksi-transaksi systemically (OPICS Risk) and manually. Testing
Treasury diukur melalui VaR simulasi historis the internal feasibility of historical VaR simulations
baik secara sistem (OPICS Risk) maupun manual. through back testing VaR vs Profit / Loss Treasury
Pengujian kelayakan internal VaR simulasi and is conducted regularly.
historis melalui back testing VaR vs Profit/Loss
Treasury dan dilakukan secara berkala.
Hasil kaji ulang Satuan Kerja Manajemen Risiko The results of the Risk Management Work Unit
(Divisi Manajemen Risiko) yang telah dikaji (Risk Management Division) which have been
ulang oleh Satuan Kerja Audit Intern (SKAI) akan reviewed by the Internal Audit Work Unit (SKAI) will
disampaikan dalam Komite Manajemen Risiko be submitted to the Risk Management Committee
(RMC) untuk kemudian diminta persetujuannya (RMC) for approval from the Directors. The
kepada Direksi. Pembahasan tersebut dilakukan discussion was also conducted with the Board of
pula dengan Dewan Komisaris yang dibantu Commissioners, assisted by the Risk Monitoring
oleh Komite Pemantau Risiko. Kaji ulang yang Committee. The review conducted by the Internal
dilakukan oleh Satuan Kerja Audit Intern (SKAI) Audit Work Unit (SKAI) includes:
meliputi:
• Keandalan kerangka Manajemen Risiko, yang Reliability of the Risk Management framework,
mencakup kebijakan, struktur organisasi, which includes policies, organizational structure,
alokasi sumber daya, desain proses resource allocation, design of the Risk Management
Manajemen Risiko, system informasi, dan process, information systems, and Bank Risk
pelaporan Risiko Bank; reporting;
• Proses pemantauan yang dilakukan oleh The monitoring process carried out by the Risk
Satuan Kerja Manajemen Risiko; Management Work Unit;
• Evaluasi atas metodologi pengukuran Satuan Evaluation of the measurement methodology of
Kerja Manajemen Risiko; the Risk Management Work Unit;
2019 2018
Konsolidasi Konsolidasi
bank bjb bank bjb
Consolidation Consolidation
No Keterangan Description
Beban Beban Beban Beban
Modal ATMR Modal ATMR Modal ATMR Modal ATMR
Capital RWA Capital RWA Capital RWA Capital RWA
Expenses Expenses Expenses Expenses
(1) (2) (2) (3) (4) (5) (6) (7) (8) (9) (10)
Bank melakukan tata kelola mengenai The Bank conducts governance regarding
pengelolaan risiko operasional yang dilakukan operational risk management which is carried
melalui three line of defense yaitu risk taking out through the three lines of defense, namely
unit sebagai lini pertahanan pertama, unit the risk taking unit as the first line of defense, the
kerja Operational Risk Management sebagai lini Operational Risk Management unit as the second
pertahanan kedua, serta Internal Audit sebagai line of defense, and Internal Audit as the third line
lini pertahanan ketiga. of defense.
Lini pertahanan pertama memiliki tanggung The first line of defense has the responsibility to
jawab untuk memastikan bahwa seluruh ensure that all operational processes carried out
proses operasional yang dilakukan telah sesuai are in accordance with applicable policies and
dengan kebijakan dan prosedur yang berlaku, procedures, identify operational risks and mitigate
melakukan identifikasi risiko operasional serta operational risk events. The second line of defense,
melakukan mitigasi atas peristiwa kejadian which functions to support and ensure that work
risiko operasional. Lini pertahanan kedua yang units on the first line of defense have effectively
berfungsi untuk mendukung dan memastikan carried out risk management. The third line of
unit kerja pada lini pertahanan pertama defense has the role to ensure the operational
telah melakukan pengelolaan risiko secara risk management process carried out by the first
efektif. Lini pertahanan ketiga memiliki peran and second line of defense has been carried out
untuk memastikan proses pengelolaan risiko effectively in mitigating risk events that have
operasional yang dilakukan oleh lini pertahanan already occurred and that are potential in nature
pertama dan kedua telah berlangsung secara so as not to cause potential losses to the Bank.
efektif dalam memitigasi kejadian risiko yang
sudah terjadi maupun yang bersifat potensial
agar tidak menimbulkan potensi kerugian bagi
Bank.
direksi. Dalam pelaksanaan pengawasan aktif directors. In the implementation of active supervision
yang dilakukan Dewan Komisaris, dilakukan carried out by the Board of Commissioners,
melalui Komite Pemantau Risiko. Sementara conducted through the Risk Monitoring Committee.
pada tingkat Direksi dilakukan melalui Komite While at the Board of Directors level, it is carried out
Manajemen Risiko yang anatara lain membahas through the Risk Management Committee while
mengenai kebijakan manajemen risiko bank. discussing the bank’s risk management policies. In
Dalam rangka meminimalisir kejadian fraud, order to minimize the incidence of fraud, the Board
Direksi melakukan sosialisasi kepada seluruh of Directors conducts socialization to all employees
karyawan mengenai pencegahan terkait fraud regarding fraud prevention as a step to increase
sebagai langkah untuk meningkatkan awareness employee awareness regarding fraud events.
karyawan mengenai kejadian fraud.
Bank memiliki unit kerja independen yang The Bank has an independent work unit that carries
melaksanakan pengelolaan manajemen risiko out bankwide operational risk management,
operasional secara bankwide yaitu Grup namely the Operational Risk Group which is under
Risiko Operasional yang berada dibawah the Risk Management Division. This unit has a role
Divisi Manajemen Risiko. Unit ini memiliki in setting operational risk management standards
peran dalam menetapkan standard dan and policies, and liaising and coordinating with
kebijakan pengelolaan risiko operasional, dan all business units and supporting units to ensure
berhubungan serta berkoordnasi dengan that mitigation measures taken are sufficient and
seluruh unit bisnis dan supporting unit untuk adequate to prevent potential operational risks.
memastikan langkah mitigasi yang dilakukan
telah cukup dan memadai untuk mencegah
potensi risiko operasional.
Bank melakukan pengelolaan risiko operasional The Bank carries out operational risk management
pada seluruh aktivitas, dimana seluruh karyawan in all activities, where all employees are required
wajib berperan serta dalam mengelola risiko to participate in managing operational risk in their
operasional pada unit kerja masing-masing respective work units and pay attention to effective
serta memperhatikan kontrol yang efektif untuk controls to anticipate the possibility of risks that
mengantisipasi kemungkinan terjadinya risiko could harm the bank.
yang dapat merugikan bank.
Bank memiliki prosedur operasional untuk The Bank has operational procedures for the
proses aktivitas kegiatan operasional bank yang process of bank operational activities that must
harus dilaksanakan oleh setiap unit kerja dengan be carried out by each work unit by taking into
memperhatikan sistem pengendalian intern account adequate internal control systems so
yang memadai sehingga dapat meminimalisir as to minimize the possibility of operational risk
kemungkinan terjadinya risiko operasional pada at the bank. In addition the bank has a policy
bank. Selain itu bank memiliki kebijakan terkait related to authority limits in operational activities,
limit kewenangan dalam kegiatan operasional, segregation of duties and responsibilities at each
pemisahan tugas dan tanggung jawab pada level of position, as well as approval for each
setiap level jabatan, serta adanya approval escalation.
untuk setiap eskalasi.
Risk Control Self Assessment (RCSA) merupakan Risk Control Self Assessment (RCSA) is a self-
penilaian sendiri untuk mengukur eksposur assessment to measure risk exposures from a
risiko dari kumpulan risk register sebagai collection of risk registers as an analysis of potential
analisis potensi risiko dari kegiatan operasional risks from bank operations. The RCSA assessment
bank. Penilaian RCSA mencakup assessment includes an assessment for the risk control system
untuk sistem pengendalian risiko yang telah that the bank has implemented
diimplementasikan bank
Key Risk Indicator merupakan tools yang Key Risk Indicator is a tool used to measure risk
digunakan untuk mengukur eksposur risiko exposures through measurement of risk indicators
melalui pengukuran terhadap indikator risiko that are set as key risks as an early warning in
yang ditetapkan sebagai key risk sebagai early detecting potential risks.
warning dalam mendeteksi potensi-potensi
risiko.
Loss Event Database merupakan pengumpulan Loss Event Database is a collection of risk event
data peristiwa risiko yang terjadi. Data ini data that occurs. This data aims as a fulfillment
bertujuan sebagai pemenuhan internal loss of the internal loss database so that the bank has
database sehingga bank memiliki data kerugian data on losses that have occurred at the bank
yang pernah terjadi pada bank selain itu besides the data can also be used to measure
data tersebut juga dapat digunakan untuk capital adequacy with more advanced methods.
pengukuran kecukupan modal dengan metode
yang lebih advance.
Disamping itu bank telah menjadi anggota Besides that, the bank has become a member of
Konsorsium Data Kerugian Eksternal the External Loss Data Consortium (KDKE), which
(KDKE), dimana dalam konsorsium tersebut in the consortium provides a database of risk
menyediakan database risk event yang events that occur in other banks that are members
terjadi pada bank lain yang tergabung dalam of the consortium while maintaining the bank’s
konsorsium tersebut dengan tetap menjaga confidentiality. Participation in the consortium is
kerahasian bank tersebut. Keikutsertaan dalam one way to identify risks and increase awareness of
konsorsium tersebut merupakan salah satu risk events that occur at other banks.
cara untu melakukan identifikasi risiko serta
meningkatkan awareness terhadap risk event
yang terjadi pada bank lain.
Untuk pengukuran risiko operasional yang To measure operational risk related to capital
terkait dengan alokasi modal dan ATMR risiko allocation and RWA for operational risk, banks are
operasional, maka bank dilakukan perhitungan calculated using the Basic Indicator Approach in
dengan metode Basic Indicator Approach sesuai accordance with the regulations of the regulator.
dengan ketentuan dari regulator.
2019 2018
Pendapatan Pendapatan
Bruto (Rata- Bruto (Rata-
Beban
rata 3 tahun rata 3 tahun Beban Modal
No Kategori Portfolio Portfolio Category Modal ATMR ATMR
terakhir) terakhir) Capital
Capital RWA RWA
Gross income Gross income Expenses
Expenses
(average of the (average of the
past 3 years) past 3 years)
(1) (2) (2) (3) (4) (5) (6) (7) (8)
1 Pendekatan Indikator Dasar Basic Indicator Approach 6,898,179 1,034,727 6,898,179 1,034,727 12,934,085
12,934,085
Total Eksposur Total Eksposur 6,898,179 1,034,727 12,934,085 6,898,179 1,034,727 12,934,085
2. Pengungkapan Kuantitatif Risiko Operasional - Bank secara Konsolidasi dengan Perusahaan Anak (Tabel 8.1.b.)
2. Quantitative Disclosure of Operational Risk - Bank Consolidated with Subsidiaries (Table 8.1.b.)
dalam jutaan Rupiah
in million IDR
2019 2018
Pendapatan Pendapatan
Bruto (Rata- Bruto (Rata-
Beban
rata 3 tahun rata 3 tahun Beban Modal
No Kategori Portfolio Portfolio Category Modal ATMR ATMR
terakhir) terakhir) Capital
Capital RWA RWA
Gross income Gross income Expenses
Expenses
(average of the (average of the
past 3 years) past 3 years)
(1) (2) (2) (3) (4) (5) (6) (7) (8)
1 Pendekatan Indikator Dasar Basic Indicator Approach 6,898,179 1,034,727 12,934,085 6,898,179 1,034,727 12,934,085
Total Eksposur Total Eksposur 6,898,179 1,034,727 12,934,085 6,898,179 1,034,727 12,934,085
penerapan pengukuran risk tolerance risiko the application of risk tolerance measurement of
likuiditas, stress testing likuiditas, pembahasan liquidity risk, measurement of risk tolerance for
profil risiko likuiditas yang bersifat material, liquidity risk, liquidity stress testing, discussion of
dan kecukupan metodologi pengukuran yang material liquidity risk profiles, and adequacy of
dipergunakan Satuan Kerja Manajemen Risiko. the measurement methodology used by the Risk
Pengawasan yang dilakukan oleh Direksi yaitu Management Work Unit. Supervision carried out by
memantau penerapan limit Treasury secara the Board of Directors is to monitor the application
berkala baik terjadi pelampauan limit (breach of Treasury limits on a regular basis both breach of
limit) maupun tidak terjadi pelampauan limit, limits and breach of limits, approval of new limits
melakukan persetujuan atas limit yang bersifat or changes. Discussions on managing liquidity risk
baru ataupun perubahannya. Pembahasan such as the composition of core depositors, bank
tentang pengelolaan risiko likuiditas seperti maturity profiles are conducted at the ALCO (Asset
komposisi deposan inti, maturity profile bank Liability Committee) meeting while discussions on
dilakukan dalam Rapat ALCO (Asset Liability liquidity risk exposures such as material liquidity
Committee) sedangkan pembahasan eksposur risk profiles, liquidity stress testing, and other
risiko likuiditas seperti profil risiko likuiditas liquidity risk exposures are discussed at the Risk
yang bersifat material, liquidity stress testing, dan Management Committee meeting. (RMC).
eksposur risiko likuiditas lainnya dibahas dalam
rapat Komite Manajemen Risiko (RMC).
Satuan Kerja Manajemen Risiko selalu melakukan The Risk Management Work Unit always evaluates
evaluasi atas kebijakan, prosedur dan analisis the policies, procedures and analysis of bank
kinerja bank terhadap limit yang diterapkan. performance against the limits applied. The limit
Adapun perubahan limit dilakukan oleh risk changes are made by the risk taking unit and then
taking unit untuk kemudian dilakukan evaluasi evaluated through measurements that have been
melalui pengukuran yang telah distandarisasi standardized by the Risk Management Work Unit.
oleh Satuan Kerja Manajemen Risiko.
Dalam menentukan limit risiko likuiditas, bank In determining liquidity risk limits, banks pay
memperhatikan kondisi likuiditas dari aktiva- attention to the liquidity conditions of bank assets.
pasiva bank. Likuiditas yang cukup besar perlu Considerable liquidity needs to be managed
dikelola secara baik dan dijadikan indikator properly and used as an indicator in applying
dalam menerapkan limit risiko likuiditas untuk liquidity risk limits to support efforts to increase bank
mendukung upaya peningkatan profitabilitas profitability, because a large enough liquidity will
bank, karena likuiditas yang cukup besar justru actually increase idle funds and will be detrimental
akan meningkatkan idle fund dan akan merugikan to banks, especially banks funded by corporate
bagi bank terutama bank yang didanai nasabah customers. The historical liquidity gap can be used
korporasi. Gap likuiditas secara historis dapat as a benchmark in determining liquidity risk limits
dijadikan patokan dalam menentukan limit for banks. The application of liquidity limits that
risiko likuiditas bagi bank. Penerapan limit runs in banks, namely the determination of the
likuiditas yang berjalan di bank yaitu penetapan primary reserve limit, secondary reserve and excess
limit primary reserve, secondary reserve dan ekses reserve requirement, while the determination of the
reserve GWM sedangkan untuk penetapan pagu cash ceiling in the Operational Branch is carried
kas di Cabang Operasional dilakukan oleh Divisi out by the Operations Division.
Operasi.
Saat ini bank sedang mengembangkan sistem The bank is currently developing a liquidity risk
informasi pengukuran risiko likuiditas seperti measurement information system such as an
maturity profile yang terintegrasi. Satuan Kerja integrated maturity profile. The Risk Management
Manajemen Risiko bersama Risk Taking Unit Unit together with the Risk Taking Unit in the
dalam tahapan integrasi sistem informasi information system maturity profile integration
maturity profile tersebut selalu diadakan rapat stage are always held in an effort to find out
sebagai upaya mengetahui utilisasi progress the utilization of progress that has been done.
yang telah dilakukan. Sistem pelaporan maturity Forex maturity profile reporting system has been
profile valas telah terintegrasi dan tervalidasi integrated and sufficiently validated so that
dengan memadai sehingga pelaporannya tidak reporting does not require manual processes
memerlukan proses manual lagi. anymore.
Sebagai langkah koordinasi manajemen bank As a coordinating step for bank management in
dalam menghadapi kejadian krisis likuiditas facing future liquidity crises, the bank is preparing
dikemudian hari, bank sedang menyusun Tim a Liquidity Crisis Management Team as an
Manajemen Krisis Likuiditas (Liquidity Crisis anticipatory step in responding to the liquidity
Management Team) sebagai langkah antisipatif crisis by carrying out emergency funding plan
dalam menyikapi krisis likuiditas dengan procedures in accordance with the Contingency
menjalankan prosedur rencana pendanaan Funding Plan Scenario framework.
darurat sesuai dengan kerangka kerja
Contingency Funding Plan Scenario.
Dalam proses pemantauan limit Risk Taking In the process of monitoring the Risk Taking Unit
Unit, Satuan Kerja Manajemen Risiko selalu limit, the Risk Management Unit always monitors
melakukan pemantauan limit secara harian the limits on a daily basis and is reported to the
dan dilaporkan kepada Direksi secara berkala. Board of Directors periodically. Meanwhile, in
Adapun apabila terjadi eskalasi pelampauan the event of an escalation in excess of the limit,
limit maka akan segera dilaporkan kepada it will be immediately reported to the Board of
Direksi termasuk upaya contingency plan yang Directors, including a contingency plan that will
akan dilakukan oleh Risk Taking Unit. Terkait be carried out by the Risk Taking Unit. Related to
menuju implementasi Basel III yang terfokus the implementation of Basel III which is focused
kepada permasalahan likuiditas, Satuan Kerja on liquidity issues, the Risk Management Work
Manajemen Risiko bekerja sama dengan Unit in collaboration with the Business Unit and
Unit Bisnis dan Supporting Unit melakukan Supporting Unit measures the impact of Basel III
pengukuran dampak Basel III terhadap bank on banks by simulating the calculation of the LCR
dengan melakukan simulasi perhitungan rasio ratio (Liquidity Coverage Ratio) and NSFR (Net
LCR (Liquidity Coverage Ratio) dan NSFR (Net Stable Funding Ratio) which needed by banks to
Stable Funding Ratio) yang dibutuhkan oleh bank avoid the effects of liquidity risk and internal and
agar terhindari dari dampak risiko likuiditas dan external compliance.
kepatuhan internal maupun eksternal.
JATUH TEMPO *)
DUE DATE *)
>1 minggu >2 minggu >1 bulan >3 bulan >6 bulan
SANDI SALDO Sampai sampai sampai sampai sampai sampai
POS-POS POST
CODE BALANCE dengan 1 dengan dengan dengan dengan dengan >12 bulan
minggu 2 minggu 1 bulan 3 bulan 6 bulan 12 bulan > 12 months
Up to 1 week > 1 week to 2 ‘> 2 weeks to 1 ‘> 1 month to 3 ‘> 3 months to ‘> 6 months to
weeks month months 6 months 12 months
I, Neraca | Balance
A, Aset Asset 104,592,504 89,244,531 8,358,179 1,000,728 2,200,000 1,050,000 2,739,067 -
1, Kas Cash 2,929,207 2,929,207
2, Penempatan pada Bank Placement with Bank Indonesia 20,669,691 9,981,495 7,158,179 790,951 - - 2,739,067 -
Indonesia
a, Giro Current Account 9,981,495 9,981,495
b, SBI SBI 2,739,067 - - 2,739,067
c, Lainnya (Depo Facility, Term Others (Depo Facility, Term Deposit & 7,949,129 - 7,158,179 790,951
Deposit & Reverse Repo) Reverse Repo)
3, Penempatan pada bank lain Placement with other banks 2,393,757 983,980 1,200,000 209,777
4, Surat Berharga **) Securities **) 8,617,220 3,075,140 - 686,274 664,639 1,353,637 486,232 2,351,298
a, SUN SUN 3,630,823 3,075,140 - - 555,683 - - -
1) diperdagangkan traded 555,683 - 555,683
2) tersedia untuk dijual available for sale - -
3) dimiliki hingga jatuh held to maturity 3,075,140 3,075,140 - - - - - -
tempo
4) pinjaman yang loans and receivables - -
diberikan dan piutang
b, Surat Berharga Korporasi Corporate Securities 4,986,397 - - 686,274 108,956 1,353,637 486,232 2,351,298
1) diperdagangkan traded 735,148 - - 686,274 48,874 - - -
2) tersedia untuk dijual available for sale - - - - - - - -
3) dimiliki hingga jatuh held to maturity 4,251,249 - - - 60,082 1,353,637 486,232 2351298
tempo
4) pinjaman yang loans and receivables - -
diberikan dan piutang
c, Lainnya Others - -
5, Kredit yang Diberikan Distributed Loans 75,349,849 75,349,849
a, Belum Jatuh Tempo Not yet due 75,349,849 75,349,849
b, Sudah Jatuh Tempo ***) Expired ***) - -
6, Tagihan Lainnya Other Claims 3,250,000 - - - 2,200,000 1,050,000 - -
a, Tagihan atas Surat Claims on Securities purchased under 3,250,000 - - - 2,200,000 1,050,000 - -
Berharga yang dibeli agreement to resell (RR)
dengan janji dijual kembali
(RR)
b, Lainnya Others - -
7, Lain-lain Others - - - - - - - -
B, Kewajiban obligation 101,768,387 42,642,820 8,485,650 22,083,779 11,062,294 2,717,987 7,643,339 12,789,618
1, Dana Pihak Ketiga Third Party Funds 81,694,089 38,415,173 5,657,100 21,155,113 11,023,460 2,692,843 7,579,493 828,007
a, Giro Current Account 17,879,207 17,879,207
b, Tabungan Savings 20,535,966 20,535,966
c, Simpanan Berjangka Time Deposits 43,278,916 - 5,657,100 21,155,113 11,023,460 2,692,843 7,579,493 828,007
1) Deposito on call Deposit on call - - 2,828,550
2) deposito berjangka time deposit 43,278,916 - 2,828,550 21,155,113 11,023,460 2,692,843 7,579,493 828,007
3) Lainnya Others - - - - - - -
2, Kewajiban kepada Bank Obligations to Bank Indonesia - - - - - - -
Indonesia
3, Kewajiban kepada bank lain Obligations to other banks 4,260,720 1,140,998 2,828,550 162,471 38,834 25,144 63,846 877
4, Surat Berharga yang Diterbitkan Securities Issued 5,252,000 - - - - - - 5,252,000
a, Obligasi Bond 4,252,000 - - - - - - 4,252,000
b, Subordinasi ****) Subordination ****) 1,000,000 - - - - - - 1,000,000
c, Lainnya others - - - - - - - -
5, Pinjaman yang Diterima Loans Received 6,708,734 - - - - - - 6,708,734
a, Pinjaman Subordinasi ****) Subordinated Loans ****) - - - - - - - -
b, Lainnya Others 6,708,734 - - - - - - 6,708,734
6, Kewajiban Lainnya Other Obligations 3,852,844 3,086,649 - 766,195 - - - -
a, Kewajiban atas Surat Obligations for securities sold under 3,852,844 3,086,649 - 766,195
Berharga yang dijual repurchase agreements (Repo)
dengan janji dibeli kembali
(Repo)
b, Lainnya Others - - - - - - - -
7, Lain-lain Others - - - - - - - -
JATUH TEMPO *)
DUE DATE *)
>1 minggu >2 minggu >1 bulan >3 bulan >6 bulan
SANDI SALDO Sampai sampai sampai sampai sampai sampai
POS-POS POST
CODE BALANCE dengan 1 dengan dengan dengan dengan dengan >12 bulan
minggu 2 minggu 1 bulan 3 bulan 6 bulan 12 bulan > 12 months
Up to 1 week > 1 week to 2 ‘> 2 weeks to 1 ‘> 1 month to 3 ‘> 3 months to ‘> 6 months to
weeks month months 6 months 12 months
C, Selisih Aset dengan Kewajiban Difference between Assets and Liabilities
dalam Neraca in the Balance Sheet
Selisih ((IA-IB) + (IIA-IIB)) Difference ((IA-IB) + (IIA-IIB)) 2,824,117 46,601,711 (127,471) (21,083,051) (8,862,294) (1,667,987) (4,904,272) (12,789,618)
Selisih Kumulatif Cumulative Difference 2,824,117 46,601,711 (127,471) (21,083,051) (8,862,294) (1,667,987) (4,904,272) (12,789,618)
Pengungkapan Profil Maturitas Rupiah - Bank secara Konsolidasi dengan Perusahaan Anak (Tabel 9.1.b.)
Disclosure of IDR - Bank Maturity Profile Consolidated with Subsidiaries (Table 9.1.b.)
JATUH TEMPO *)
DUE DATE *)
>1 minggu >2 minggu >1 bulan >3 bulan >6 bulan
SANDI SALDO Sampai sampai sampai sampai sampai sampai
POS-POS POST
CODE BALANCE dengan 1 dengan dengan dengan dengan dengan >12 bulan
minggu 2 minggu 1 bulan 3 bulan 6 bulan 12 bulan > 12 months
Up to 1 week > 1 week to 2 ‘> 2 weeks to 1 ‘> 1 month to 3 ‘> 3 months to ‘> 6 months to
weeks month months 6 months 12 months
I. Neraca Balance
a. Tagihan atas Surat Claims on Securities purchased under 3,250,000 - - - 2,200,000 1,050,000 - -
Berharga yang dibeli agreement to resell (RR)
dengan janji dijual
kembali (RR)
b. Lainnya Others - -
7. Lain-lain Others - - - - - - - -
B. Kewajiban obligation 101,768,387 42,642,820 8,485,650 22,083,779 11,062,294 2,717,987 7,643,339 12,789,618
1. Dana Pihak Ketiga Third Party Funds 81,694,089 38,415,173 5,657,100 21,155,113 11,023,460 2,692,843 7,579,493 828,007
a. Giro Current Account 17,879,207 17,879,207
b. Tabungan Savings 20,535,966 20,535,966
c. Simpanan Berjangka Time Deposit 43,278,916 - 5,657,100 21,155,113 11,023,460 2,692,843 7,579,493 828,007
1) Deposito on call Deposit on call - - 2,828,550
2) deposito berjangka time deposit 43,278,916 - 2,828,550 21,155,113 11,023,460 2,692,843 7,579,493 828,007
3) Lainnya Others - - - - - - -
2. Kewajiban kepada Bank Obligations to Bank Indonesia - - - - - - -
Indonesia
3. Kewajiban kepada bank lain Obligations to other banks 4,260,720 1,140,998 2,828,550 162,471 38,834 25,144 63,846 877
4. Surat Berharga yang Securities Issued 5,252,000 - - - - - - 5,252,000
Diterbitkan
JATUH TEMPO *)
DUE DATE *)
>1 minggu >2 minggu >1 bulan >3 bulan >6 bulan
SANDI SALDO Sampai sampai sampai sampai sampai sampai
POS-POS POST
CODE BALANCE dengan 1 dengan dengan dengan dengan dengan >12 bulan
minggu 2 minggu 1 bulan 3 bulan 6 bulan 12 bulan > 12 months
Up to 1 week > 1 week to 2 ‘> 2 weeks to 1 ‘> 1 month to 3 ‘> 3 months to ‘> 6 months to
weeks month months 6 months 12 months
2) Derivatif Derivative
c. Lainnya Others
2) Derivatif Derivative
d. Lainnya Others
Selisih ((IA-IB) + (IIA-IIB)) Difference ((IA-IB) + (IIA-IIB)) 2,824,117 46,601,711 (127,471) (21,083,051) (8,862,294) (1,667,987) (4,904,272) (12,789,618)
Selisih Kumulatif Cumulative Difference 2,824,117 46,601,711 (127,471) (21,083,051) (8,862,294) (1,667,987) (4,904,272) (12,789,618)
Pengawasan Aktif Dewan Komisaris dan Active Supervision of the Board of Com-
Direksi missioners and Directors
Para pihak yang berkepentingan terkait dengan Stakeholders related to legal risk are the Board of
risiko hukum yaitu Dewan Komisaris, Direksi Commissioners, Directors and all bank employees,
dan seluruh karyawan bank, dimana para pihak where the parties are responsible for managing
tersebut bertanggungjawab dalam pengelolaan legal risk. The Board of Commissioners and
risiko hukum. Dewan Komisaris dan Direksi Directors monitor legal risks, among others,
memantau risiko hukum antara lain melalui through legal risk reporting and other reports
pelaporan risiko hukum serta laporan lainnya relating to the law. In implementing legal risk
yang berkaitan dengan legal. Dalam pelaksanaan management, the bank has a special work unit
pengelolaan risiko hukum bank telah memiliki that handles legal issues that consist of litigation
unit kerja khusus yang menangani permasalahan and non-litigation sections. The unit that carries
di bidang hukum yang terdiri dari bagian litigasi out the legal risk management function is the Legal
dan non litigasi. Unit yang menjalankan fungsi Division which is under the Operations Directorate
pengelolaan tersebut risiko hukum tersebut and has been separated from the compliance risk
adalah Divisi Hukum yang berada dibawah management function.
Direktorat Operasional dan telah terpisah dari
fungsi pengelolaan risiko kepatuhan.
Selain itu bank telah memiliki standardisasi In addition, banks have standardized legal
dokumen hukum bagi produk dan layanan bank documents for bank products and services, which
yang dilakukan review secara berkala sesuai are regularly reviewed in accordance with bank
dengan perkembangan bisnis bank. Bank juga business development. The Bank also conducts
melakukan kajian risiko hukum untuk setiap legal risk reviews for each new product and activity
produk dan aktivitas baru sebagai langkah as a step to mitigate legal risk.
untuk memitigasi risiko hukum.
Dalam melakukan pengendalian risiko hukum In carrying out legal risk control the bank does
bank melakukan beberapa hal diantaranya several things including:
yaitu:
• Proses kajian hukum dan pemberian opini • The legal review process and providing opinions
atas produk serta layanan bank termasuk on bank products and services including new
aktivitas dan produk baru. activities and products.
• Terdapat standardisasi dokumen hukum • There are standardized legal documents for
bagi produk dan layanan bank. bank products and services.
• Kaji ulang terhadap dokumen-dokumen • Review of applicable legal documents that are
legal yang berlaku yang disesuaikan dengan adjusted to business development.
perkembangan bisnis.
• Kebijakan dan prosedur hukum yang • Adequate legal policies and procedures.
memadai.
• Melakukan penanganan kasus hukum yang • Handling legal cases that are also assisted by
dibantu juga oleh konsultan hukum apabila legal consultants if needed.
diperlukan.
• Membantu unit-unit terkait dalam • Assist related units in handling legal cases.
penanganan kasus hukum.
• Memberikan informasi dan pengetahuan • Providing information and knowledge.
hukum kepada unit-unit terkait.
• Mendokumentasikan setiap kejadian risiko • Document each legal risk event and the amount
hukum dan jumlah potensi kerugian akibat of potential loss due to the legal risk
risiko hukum tersebut
Risiko Kepatuhan adalah risiko akibat bank Compliance Risk is the risk due to the bank not
tidak memenuhi dan/atau tidak melaksanakan fulfilling and / or not implementing the applicable
peraturan perundang-undangan dan laws and regulations. Compliance risk management
ketentuan yang berlaku. Pengelolaan risiko is carried out through the implementation of a
kepatuhan dilakukan melalui penerapan sistem consistent internal control system.
pengendalian intern yang konsisten.
Bank telah memiliki kebijakan mengenai The Bank has a policy regarding compliance
pelaporan kepatuhan melalui compliance reporting through compliance sheets to related
sheet kepada unit kerja terkait. Selain itu work units. In addition, in relation to new products
terkait dengan produk dan aktivitas baru and activities, an analysis is conducted first to
terlebih dahulu dilakukan analisa untuk menilai assess compliance with the applicable provisions
kepatuhan terhadap ketentuan yang berlaku in the issuance of the product / activity.
dalam penerbitan produk / aktivitas tersebut.
Dalam menerapkan strategi bisnis tersebut In implementing the business strategy stated in
dituangkan dalam Rencana Bisnis Bank (RBB) the bank’s business plan (RBB), the preparation is
yang penyusunannya ditetapkan oleh Direksi determined by the Directors by requesting approval
dengan meminta persetujuan dari Dewan from the Board of Commissioners. The Board of
Komisaris. Direksi mengarahkan kepada masing- Directors directs each work unit to implement the
masing unit kerja untuk mengimplementasikan bank’s business plan to achieve the stated goals.
Rencana Bisnis Bank tersebut untuk mencapai
tujuan yang telah ditetapkan.
Dalam melakukan pengelolaan strategi bank, In managing bank strategies, the Board of Directors
Direksi dibantu oleh Divisi Perencanaan Strategis is assisted by the Strategic Planning Division in
dalam memonitor implementasi strategi bank monitoring the implementation of bank strategies,
termasuk implementasi Rencana Bisnis Bank. including the implementation of bank business
Selain itu dilakukan analisa implementasi plans. In addition, an analysis is carried out on the
rencana bisnis dan melaporkan hasil analisa implementation of the business plan and reports
kepada Direksi. the results of the analysis to the Directors.
Seluruh unit bisnis/unit pendukung All business units / supporting units are responsible
bertanggung jawab dalam membantu for assisting the Board of Directors in developing
Direksi menyusun perencanaan stratejik dan strategic plans and implementing the strategies
mengimplementasikan strategi yang telah that have been set effectively. These units are
ditetapkan secara efektif. Unit-unit tersebut also responsible for ensuring that strategic risk
juga bertanggung jawab untuk memastikan management is in accordance with established
bahwa pengelolaan risiko stratejik telah sesuai policies.
dengan kebijakan yang telah ditetapkan.
Adapun upaya pengendalian yang dilakukan The control efforts undertaken for strategic risk are
untuk risiko stratejik adalah dengan melakukan by analyzing the achievement of bank performance,
analisa atas pencapaian kinerja bank, mengambil taking strategic steps that are deemed necessary
langkah-langkah stratejik yang dirasa perlu as a response to changes in business conditions,
sebagai respon terhadap perubahan kondisi conducting business reviews on the achievement of
bisnis, melakukan business review atas business performance on a regular basis.
pencapaian kinerja bisnis secara berkala.
Risiko Reputasi adalah risiko akibat Reputation Risk is the risk due to a decrease in
menurunnya tingkat kepercayaan stakeholder the level of stakeholder confidence that comes
yang bersumber dari persepsi negatif terhadap from negative perceptions of the bank. This is
bank. Hal ini antara lain disebabkan oleh adanya partly due to negative media coverage and / or
pemberitaan media dan/ atau rumor mengenai rumors about the Bank, as well as ineffective bank
Bank yang bersifat negatif, serta adanya communications.
komunikasi bank yang kurang efektif.
Bank juga melakukan manajemen risiko reputasi The Bank also manages reputation risk by carrying
dengan melakukan aktivitas public relations, out public relations activities, corporate social
corporate social responsibility dan respon yang responsibility and rapid responses to handling
cepat terhadap penanganan keluhan yang complaints that come to the bank.
masuk kepada pihak bank.
Dalam melakukan pengendalian atas risiko In controlling the reputation risk of banks having
reputasi bank memiliki call center serta a call center and holding a coaching clinic for
mengadakan coaching clinic bagi karyawan employees by providing training or training
dengan memberikan training atau pelatihan
mengenai standar layanan dengan tujuan on service standards with the aim of the bank
bank dapat memberikan pelayanan dengan can provide better services to customers both
lebih baik kepada nasabah baik eksternal externally and internally as one of the mitigation
maupun internal sebagai salah satu langkah measures against potential risks, in addition The
mitigasi terhadap potensi risiko, selain itu bank bank emphasizes to all employees that the bank’s
menekankan kepada seluruh karyawan bahwa reputation must be strictly guarded, the bank also
reputasi bank harus benar-benar dijaga, bank provides clear information to customers about
juga memberikan informasi yang jelas kepada the products / activities of the bank as a step in
nasabah mengenai produk/aktivitas bank mitigating risk.
sebagai langkah dalam memitigasi risiko.
bank bjb
High Performance Oreganization
Productivity Enhancement
Acceleration Great Leader
Relation
Improvement Improving Quality of Recruitment Program
Visi misi tersebut tidak lain adalah sebuah acuan The vision and mission serve as a reference for bjb
kepada insan bjb agar membentuk budaya people in order to shape the culture of bjb people
insan bjb sesuai dengan budaya Perusahaan in accordance with the Bank’s culture as follows:
sebagai berikut:
Go Spirit Go Spirit
• Service Excellence • Service Excellence
• Professionalism • Professionalism
• Integrity • Integrity
• Respect • Respect
• Innovation • Innovation
• Trust • Trust
Atas acuan tersebut Perseroan meyakini insan Based on these references, the Bank believes that
pengelolaan human capital di lingkungan bank the management of human capital in the bank bjb
bjb harus diterapkan dengan dasar “Human environment must be implemented on the basis of
Capital as Strategic Business Partner”. Terkait the “Human Capital as Strategic Business Partner”.
dengan hal itu, Perseroan telah menerapkan In this regard, the Bank has implemented the
konsep pengelolaan human capital dengan concept of managing human capital by focusing
berfokus pada 5 (lima) poin berikut ini: on the following 5 (five) points:
Sebagai tindak lanjut atas lima fokus As a follow up to these five focuses, the Bank
tersebut, Perseroan mencanangkan program has launched a comprehensive and sustainable
pengembangan secara menyeluruh dan development program that focuses on the following
berkelanjutan yang fokus pada aspek-aspek aspects:
berikut ini:
Semua kerangka konsep pengelolaan human All the conceptual frameworks of bank bjb human
capital bank bjb diintegrasikan dengan capital management are integrated with the
penggunaan teknologi digital bernama Human utilization of digital technology namely Human
Capital Integrated Solution & Analytics (Digital Capital Integrated Solution & Analytics (Digital
Technology). Technology).
Tahun 2015 – 2016 : Fondasi Dasar Year 2015 - 2016: Basic foundations
Tahun 2017 – 2018 : Fondasi Kuat Year 2017 - 2018: Strong Foundation
Tahun 2019 – 2020 : Fondasi Kokoh Year 2019 - 2020: Solid Foundation
Planning Planning
Sebagai landasan bekerja, dan tahap As the basis for work, and the planning stage, the
perencanaan, Perseroan membangun dan Company builds and prepares a Grand Design &
menyusun Grand Design & Transformation Transformation Roadmap:
Roadmap:
Recruiting Recruiting
Pemenuhan kebutuhan SDM sehingga Meeting the needs of human resources so that the
organisasi dapat menjalankan bisnis untuk organization can run a business to achieve the
mencapai tujuan yang telah ditargetkan. targeted goals.
Development Development
Program pengembangan bagi yang memiliki Development program for those who have potential
potensi/talenta baik dari sisi kompetensi, / talents in terms of competence, performance, and
kinerja, hingga karir. career.
Retention Retention
Upaya organisasi untuk memperhatikan lebih Organizational efforts to pay more attention and
dan memastikan talenta-talentanya dapat ensure their talents can work well, comfortably, and
bekerja dengan baik, nyaman, dan memberikan provide the best for the Bank through the provision
yang terbaik bagi Bank melalui pemberian of attractive and competitive remuneration.
remunerasi yang menarik dan kompetitif.
Separation Separation
Perseroan memastikan layanan kepada pegawai The Company ensures services for employees who
yang akan memasuki masa persiapan pensiun, are entering retirement, retirement, retirement
pensiun, berhenti maupun pegawai yang tidak and employees who are no longer working due to
lagi bekerja akibat kondisi tertentu dilakukan certain conditions are carried out properly.
dengan baik.
Direktur Utama
President Director
Direktur Operasional
Director of Operations
Pemimpin Divisi
Division Head
Recruitment & Career Competency Management Industrial Relation & Operation & Service Strategy & Policy
Development & Performance Cultural Development
4. Grup Operation dan Operations and Services Mengkoordinasikan dan memonitor Coordinate and monitor the
Services Group kegiatan identifikasi, perencanaan dan identification, planning and
implementasi kebijakan kompensasi implementation of compensation
(gaji, penghargaan, fasilitas dan policies (salaries, awards, facilities and
tunjangan serta peberian insentif/ benefits as well as incentives / bonuses)
bonus) dan Human Capital Solution and Human Capital Solution (HCS)
(HCS) sesuai dengan ketentuan in accordance with applicable labor
ketenagakerjaan yang berlaku. regulations.
5. Grup Strategi dan Strategy and Policy Mengkoordinasikan dan memonitor Coordinate and monitor the activities
Kebijakan Group kegiatan identifikasi, perencanaan of identifying, planning and managing
dan mengelola strategi, kebijakan dan strategies, policies and procedures
prosedur terkait Human Capital sesuai related to Human Capital in
dengan ketentuan yang berlaku. accordance with applicable regulations.
Selanjutnya, Perseroan melakukan peningkatan Furthermore, the Company will improve the
kualitas SDM melalui peningkatan kualitas quality of human resources through improving the
proses rekrutmen dan seleksi pegawai serta quality of the employee recruitment and selection
kualitas dari sumber pencarian kandidat process as well as the quality of candidates seeking
untuk mendapatkan talent-talent yang memiliki resources to get talents who have competencies
kompetensi sesuai dengan kebutuhan according to the needs of the Company. Human
Perseroan. Human Capital memperkuat kembali Capital strengthens again starting from the
mulai dari proses rekrumen sebagai awal dari recruitment process as the beginning of good HR
tata kelola SDM yang baik melalui berbagai governance through various programs such as bjb
program seperti bjb Talent Scouting, ODP, Talent Scouting, ODP, AODP, SDP, and others to the
AODP, SDP, dan lainnya hingga adanya program acceleration program as employee development.
akselerasi sebagai pengembangan pegawai.
• Penghargaan Purna Bakti (Legacy Award), • Full Service Award (Legacy Award), Timeless
Penghargaan Masa Kerja (Timeless Engagement,
Engagement),
• Pelaksanaan Proses Pembaharuan Perjanjian • Implementation of the Process of Renewing
Kerja Bersama Periode 2019 – 2021, Collective Labor Agreements Period 2019 - 2021,
• Culture Awareness Session (Sosialisasi On Site), • Culture Awareness Session (On Site Socialization),
• Implementation Culture Program Report, • Implementation Culture Program Report,
Refreshment and Coaching Change Agent, Refreshment and Coaching Change Agent,
• Culture Externalization, dan • Culture Externalization, and
• bjb Better Award • the bjb Better Award
Dalam proses berjalannya pegawai bekerja, In the process of employees to work, the Company
didukung dengan berbagai benefit dan fasilitas supports various benefits and supporting facilities
penunjang mulai dari pemberian remunerasi, ranging from remuneration, facilities in accordance
fasilitas sesuai dengan jabatan, layanan dari with the position, services from Human Capital
Human Capital yakni HC Cares, HCS Mobile namely HC Cares, and HCS Mobile to monitor work
hingga monitoring performa kerja dengan bjb performance with bjb my Achievement.
Prestasiku.
Dalam menjalankan program-program tersebut, In carrying out these programs, the Company
perseroan telah memperbaharui beberapa SOP has updated a number of SOPs namely Career
yakni SOP Pengelolaan karir, SOP Pengelolaan Management SOP, Income Management SOP and
Penghasilan dan Fasilitas Kepegawaian, SOP Staffing Facilities, SOP for Recruitment Procedures
Prosedur Rekrutmen dan Seleksi Pegawai. and Employee Selection. These steps are taken as
Hal ini agar pengelolaan Human Capital dapat the efforts that the management of Human Capital
berjalan secara efektif dan efisien sesuai can run effectively and efficiently in accordance
dengan ketentuan yang berlaku, dengan tetap with applicable regulations, with due regard to
memperhatikan tata kelola perusahaan yang good corporate governance.
baik.
Selama tahun 2019, perseroan telah merekrut During 2019, the Company has recruited 534 new
534 pegawai baru, jumlah pegawai tersebut employees, the number of employees is in line with
selaras dengan pertumbuhan bisnis perseroan the growth of the Company’s business in 2019.
di tahun 2019. Pelaksanaan rekrutmen pegawai Implementation of employee recruitment that has
yang telah dilakukan di Tahun 2019, dibuka been carried out in 2019, was opened through
melalui beberapa jalur penerimaan pegawai several channels for recruitment as follows:
sebagai berikut:
2. Rotasi/Mutasi 2. Rotation/Transfer
Mengatur dari tujuan dan Arrange objectives and considerations to
pertimbangan hingga prosedur implementation procedures.
pelaksanaan.
3. Pengisian jabatan sementara. 3. Positioning in temporary vacant positions
Mengatur tentang kekosongan jabatan Regulates vacancies to fill temporary
hingga pengisian jabatan yang sifatnya positions.
sementara.
Perseroan memandang kemampuan ber The Bank believes that being capable of competing
kompetisi saja tidak cukup untuk menghadapi only is not sufficient to address the more dynamic
perkembangan kondisi bisnis perbankan yang condition in banking business and more turbulent
kian dinamis serta lingkungan bisnis bank yang banking business environment which tends to
semakin turbulen dan cenderung destruktif. be destructive. The Bank strives to ensure the
Maka Perseroan berupaya untuk memastikan ability of bjb people to continuously maintain
kemampuan insan bjb untuk secara terus and improve excellent performance. Maintaining
menerus mempertahankan dan meningkatkan competitiveness with more qualified and innovative
kinerja unggul. Menjaga daya saing dengan products and services is a must for bjb personnel.
produk dan layanan yang semakin berkualitas Thus the education and training held by the Bank
dan inovatif menjadi sebuah keharusan bagi must bemore strategic and must directly contribute
insan bjb. Dengan demikian kebutuhan to the development of Sustainable Competitive
pendidikan dan pelatihan yang diselenggarakan Advantage.
bank harus bersifat lebih strategis dan secara
langsung mampu berkontribusi terhadap
pengembangan Sustainable Competitive
Advantage bjb.
Untuk mendukung roadmap perseroan yaitu To support the Company’s roadmap, which is
terus konsisten serta berkomitmen membangun to continue to be consistent and committed to
bisnis berkualitas dengan melakukan building quality business by accelerating growth
akselerasi pertumbuhan baik melalui strategi through both organic and inorganic strategies
organik maupun anorganik serta melakukan and developing digital banking, the Company
pengembangan digital banking, maka dalam
meningkatkan kompetensi Sumber Daya has the following strategies to improve its Human
Manusia perseroan memiliki strategi sebagai Resources competencies:
berikut:
a. Peningkatan efektivitas dan kualitas hasil a. Increasing the effectiveness and quality of
pembelajaran. learning outcomes.
b. Mengoptimalkan dan mengembangkan b. Optimizing and developing the use of e-learning
penggunaan e-learning untuk mendukung to support the implementation of the Blended
implementasi metode Blended Learning Learning Solution (BLS) method.
Solution (BLS).
c. Memberdayakan internal resources yang c. Empowering internal resources that have
memiliki keahlian di segala bidang untuk expertise in all fields to jointly compile the
bersama-sama menyusun kebutuhan needs of the Learning Program and compile
Learning Program dan menyusun kurikulum the Learning Program curriculum and modules,
dan modul Learning Program, sehingga dapat so that modules / curricula can be created in
terciptanya modul/kurikulum yang sesuai accordance with the needs.
dengan kebutuhan.
d. Selalu melakukan monitoring, evaluasi d. Always monitoring, evaluating and improving
dan penyempurnaan terhadap proses the learning process that has been carried out.
pembelajaran yang telah dilaksanakan.
Selama tahun 2019 perseroan telah During 2019 the Company held programs to
menyelenggarakan program untuk improve employee competencies such as the
meningkatkan kompetensi pegawai seperti bjb Commercial Banking Program, APUPPT
bjb Commercial Banking Program, Sertifikasi Implementation Certification, Staff Development
Penerapan APUPPT, Staff Development Program Program (SDP), Account Officer Development
(SDP), Account Officer Development Program Program (AODP), Professional Supporting
(AODP), Professional Supporting Development Development Program (PSDP), Officer Development
Program (PSDP), Officer Development Program Program (ODP) , Information Technology
(ODP), Information Technology Development Development Program (ITDP), Enhancement
Program (ITDP), Enhancement Program for Programs for MSME Account Officers, Credit Risk,
Account Officer UMKM, Credit Risk, dan lain-lain. and others.
terhadap bank melalui program-program through programs that are effectively capable of
yang secara efektif mampu memberikan making changes in attitudes and work behavior
dampak pada perubahan sikap dan perilaku of employees and generating positive changes
kerja pegawai serta membawa perubahan to the performance of the Bank.
yang positif bagi kinerja Bank.
3. Membangun suatu pemahaman bahwa 3. Building an understanding that employees,
pegawai, Serikat Karyawan dan Manajemen Employee Unions and Management have
telah melaksanakan hak, kewajiban, dan exercised their rights, obligations and
tanggung jawab dalam suasana saling responsibilities in an atmosphere of mutual
menghormati, saling mempercayai, dan respect, mutual trust, and strong determination
tekad kuat saling bekerja sama dengan to work together with the aim of ensuring
tujuan menjamin kelangsungan usaha bank the sustainability of the Bank’s business and
dan peningkatan kesejahteraan pegawai. improving employee welfare.
4. Menghormati dan melaksanakan sarana 4. Respecting and implementing industrial
hubungan industrial yang diakui sebagai relations facilities which are recognized as
berikut: follows:
a. Serikat Pegawai a. Employee Union
Merupakan organisasi yang dibentuk It is an organization established from,
dari, oleh, dan untuk pekerja baik di by, and for workers both at the Bank and
perusahaan maupun di luar perusahaan, outside the Bank, which is free, open,
yang bersifat bebas, terbuka, mandiri, independent, democratic and responsible to
demokratis, dan bertanggung jawab fight for, defend and protect the rights and
guna memperjuangkan, membela serta interests of workers and improve the welfare
melindungi hak dan kepentingan pekerja of workers and their families. The employee
serta meningkatkan kesejahteraan union is SEKAR bank bjb.
pekerja dan keluarganya. Dalam hal ini
adalah serikat karyawan (SEKAR bank
bjb).
b. Organisasi Pengusaha b. Employers Organization
Organisasi Pengusaha adalah wadah The Employers Organization is a forum for
persatuan dan kesatuan bagi pengusaha unity for Indonesian entrepreneurs who are
Indonesia yang didirikan secara sah legally established on the basis of common
atas dasar kesamaan tujuan, aspirasi, goals, aspirations, level of management,
strata kepengurusan, atau ciri-ciri or certain natural characteristics. In
alamiah tertentu. Selain itu Organisasi addition, Employers Organizations are
Perusahaan juga diartikan sebagai wadah also interpreted as a forum for unity for
persatuan dan kesatuan bagi perusahaan Indonesian companies that are legally
Indonesia yang didirikan secara sah established on the basis of the same type
atas dasar kesamaan jenis usaha, mata of business, trade, or services produced or
dagangan, atau jasa yang dihasilkan traded. Related to employers organization,
ataupun yang diperdagangkan. Terkait company participates as a member of an
dengan organisasi pengusaha tersebut employers’ organization namely ASBANDA
perseroan masuk sebagai anggota (Association of Regional Development
organisasi pengusaha yaitu ASBANDA Banks).
(Asosiasi Bank Pembangunan Daerah).
Strategi yang ditetapkan untuk pencapaian The strategy set for achieving the Bank’s goals must
sasaran perusahaan harus melalui sistem be made through a good strategy management
manajemen strategi yang baik, karena akan system, since it will serve as a benchmark for the
menjadi tolak ukur dari performa dan kinerja performance of the Bank. In devising a strategy,
perusahaan. Di dalam menetapkan strategi, the Bank must pay attention to the objectives that
perusahaan harus memperhatikan sasaran have been established and the objectives must
(objective) yang telah ditetapkan dan harus be measurable. The Bank has adopted strategic
dapat terukur (measurable). Perseroan telah management tools in the form of a Balanced
menggunakan tools manajemen strategis Scorecard (BSC). The Bank adopts four BSC
berupa Balanced Scorecard (BSC). Perseroan standard perspectives namely financial perspective,
menggunakan empat standar perspektif BSC customer perspective, internal business process
yaitu financial perspective, customer perspective, perspective, and learning and growth perspective
internal business process perspective, dan to assess employee performance.
learning and growth perspective untuk menilai
kinerja pegawai.
Dengan adanya penerapan Balanced Scorecard With the implementation of the Balanced
di lingkungan perseroan, perseroan dapat Scorecard within the Company, the Company can
mengomunikasikan strategi, visi dan misi communicate the strategy, vision and mission of the
Perseroan kepada karyawannya, sehingga Company to its employees, so that management
manajemen dan pegawai memiliki satu kesatuan and employees have the same unity in achieving
yang sama dalam mencapai target Perseroan. the Company’s targets.
1. Fokus utama dalam penilaian bjb prestasiku 1. The main focus in evaluating bjb prestasiku
meliputi: includes:
a. Key Performance Indicator (KPI) a. Key Performance Indicator (KPI) which is a
Penetapan target kinerja pegawai (goal decision of a mutually agreed goal setting
setting) yang disepakati bersama antara for employees and direct supervisors based
Siklus tahunan penilaian kinerja pegawai (bjb The annual cycle of employee performance
prestasiku personal scorecard) terbagi dalam 3 evaluation (bjb prestasiku of personal scorecard)
(tiga) tahapan, yaitu: is divided into 3 (three) stages, namely:
bjb
prestasiku
personal scorecard
3
2
Tahap Penilaian Kinerja
(Evaluasi) Tahap Monitoring Kinerja
Performance Evaluation Performance Monitoring Stage
Stage
2. Tahap Monitoring Kinerja dan Coaching 2. Stage of Performance Monitoring and Coaching
Proses pemantauan kinerja pegawai yang The process of monitoring employee
dilakukan atasan melalui komunikasi kinerja performance is conducted by superiors
pegawai secara intensif dalam bentuk through intensive communication of employee
Pada Tahun 2019, perseroan meluncurkan In 2019, the company launched a digital service
layanan digital untuk mempermudah to facilitate communication with employees,
komunikasi dengan pegawai, yaitu HC namely HC Cares Chat Helpdesk which
Cares Chat Helpdesk yang mengintegrasikan integrates WhatsApp services with Employee
layanan WhatsApp dengan nomor Pegawai numbers registered in Human Capital Solutions.
yang terdaftar di dalam Human Capital
Solutions.
kerja pegawai sebagai basis dalam setiap that respects employee work performance as a
pemberian kompensasi dan benefit serta basis for any compensation and benefits as well as
program pengembangan pegawai lainnya. other employee development programs.
Adapun kegiatan reward yang dilakukan untuk The reward activities carried out for giving
pemberian apresiasi bertajuk bjb better award appreciation titled bjb better award by covering
dengan meliputi kategori antara lain the best categories include the best employee, the best
employee, the best frontliner, dan the best business frontliner, and the best business unit; the following
unit, berikut ini adalah penjelasannya: is an explanation:
Konsep pelaksanaan bjb Better Award adalah The concept of implementing the Better Award
penggabungan beberapa program apresiasi bjb is the incorporation of several appreciation
kepada pegawai dari masing-masing Unit Kerja programs to employees of each Work Unit into one
ke dalam satu wadah program penghargaan. award program agenda. Awards are divided into
Penghargaan dibagi menjadi beberapa kategori several categories with prizes in the form of Cash
dengan hadiah berupa Uang Tunai atau Paket or Umrah / Religious Travel Packages.
Umroh/Perjalanan Religi.
Penghargaan apresiasi diberikan dengan Appreciation awards are given by observing the
memperhatikan perilaku dan prestasi yang behavior and achievements that have been shown
telah ditunjukkan Pegawai dan Unit Kerja dalam by employees and work units in supporting the
performa mendukung pencapaian target. bjb achievement of the Bank’s performance. bjb
Better Award bertujuan untuk meningkatkan Better Award aims to increase employee / work
engagement pegawai/Unit Kerja serta unit engagement and show that employees are an
menunjukkan bahwa pegawai adalah bagian important part of the organization.
penting dari organisasi.
Malam apreasiasi kepada pemenang bjb Better The appreciation night for the 2018 bjb Better
Award 2018 diselenggarakan pada bulan Januari Award winners was held in January 2019 at the
Tahun 2019 pada acara Business Review tahun Business Review fiscal year 2018event. In the bjb
buku 2018. Dalam acara bjb Better Award Better Award event there were several categories
terdapat beberapa kategori pemenang, yaitu of winners, namely the best employee, service
the best employee, service excellent award dan excellent award and innovation summarized in the
innovation yang terangkum dalam penjelasan following explanation:
sebagai berikut:
Pemenang bjb Better Award 2018 The winner of the 2018 bjb Better Award
diberangkatkan untuk perjalanan religi pada departed for the religious journey in October
Bulan Oktober sebanyak 46 peserta dan for 46 participants and the religious trip to
perjalanan religi ke Yerusalem pada Bulan Jerusalem in December for 1 participant.
Desember sebanyak 1 peserta.
Punishment Punishment
Perseroan memiliki kebijakan tentang The Company has a policy on punishment in the
punishment berupa Pedoman Disiplin form of Employee Discipline Guidelines which
Pegawai yang telah mengatur kompeherensif has set comprehensive on the obligations and
tentang kewajiban dan larangan pegawai, jenis prohibitions of employees, types of staffing
sanksi kepegawaian, tata cara pengenaan sanctions, procedures for imposing employment
sanksi kepegawaian dan hal-hal lainnya sanctions and other matters related to enforcement
terkait penegakan disiplin pegawai, termasuk of employee discipline, including provisions on the
ketentuan pengenaan sanksi kepegawaian. imposition of staffing sanctions.
Dengan adanya Pedoman Disiplin Pegawai The Disciplinary Guidelines Employees have the
memilik tujuan untuk: objectives to:
1. Mengamankan kepentingan Perseroan. 1. Securing the interests of the Company.
Pegawai yang tidak menerapkan disiplin Employees who do not apply Employee discipline
Pegawai akan dihadapkan dengan Sanksi will get Staffing Sanctions as a corrective effort
Kepegawaian sebagai upaya korektif untuk to prevent similar incidents that could interfere
mencegah timbulnya kembali peristiwa with the interests of the Company.
serupa yang dapat mengganggu kepentingan
Perseroan.
2. Menegakkan tata tertib dan disiplin Pegawai 2. Upholding the employee order and discipline
di lingkungan Perseroan. within the Company.
Pegawai harus menegakkan disiplin Pegawai Employees must uphold the discipline of
yang telah ditetapkan agar terciptanya employees that have been determined in order
penerapan prinsip tata kelola perusahaan to create the application of the principles of
yang baik (Good Corporate Governance) serta good corporate governance (Good Corporate
menjamin tertib usaha yang sehat, efektif Governance) and ensure orderly business that
dan efisien. is healthy, effective and efficient.
3. Pembinaan Pegawai. 3. Employee Development.
Sanksi Kepegawaian yang diberikan kepada Staffing sanctions given to employees are an
Pegawai merupakan unsur pembinaan yang element of guidance that serves as a preventive
berfungsi sebagai tindakan preventif atas measure for repetition of violations.
pengulangan pelanggaran.
Jenis sanksi dan jumlah pelanggaran Sanksi Types of sanctions and number of violations
untuk setiap pelanggaran Code of Conduct Sanctions for each violation of the Code of Conduct
dikategorikan sebagai sanksi administratif yang can be categorized as administrative sanctions
terbagi menjadi 3 jenis sanksi sebagai berikut: which are divided into 3 types of sanctions as
1. Sanksi ringan terdiri dari pembinaan berupa follows:
couching/conseling (berlaku selama 3 bulan) 1. Light sanctions consist of coaching in the form
dan pemberian surat teguran (berlaku of couching / conseling (valid for 3 months) and
selama 6 bulan). giving a letter of reprimand (valid for 6 months).
2. Sanksi sedang terdiri dari Surat Peringatan 2. Moderate sanction consists of a Warning Letter
1-3 yang masing-masing berlaku selama 6 1-3, each of which is valid for 6 months.
bulan.
3. Sanksi berat terdiri dari pernyataan tidak 3. Heavy sanctions consist of statements of
puas dan PHK. Khusus untuk pernyataan dissatisfaction and layoffs. Specifically, the
tidak puas berlaku selama 1 tahun dan dissatisfaction statement is valid for 1 year and
pemotongan single salary sebesar 5% tiap a single salary deduction of 5% per month for
bulannya sampai dengan 1 tahun. up to 1 year.
Sanksi Kepegawaian yang diberikan kepada Staffing sanctions given to employees are an
Pegawai merupakan unsur pembinaan yang element of guidance that serves as a preventive
berfungsi sebagai tindakan preventif atas measure for repetition of violations.
pengulangan pelanggaran.
Sanksi yang telah di berikan oleh SDM berikut Tindak Lanjut atas Pengaduan Pelanggaran dari SKAI
Given sanction by Human Capital Division and its follow ups upon Violation Reports from the SKAI
Tahun Jenis Sanksi |Type of Sanction
Year
Ringan | Light Sedang | Moderate Berat | Heavy Jumlah | Total
2019 65 40 28 133
Pemberian sanksi telah dilaksanakan The sanctions have been implemented based on
berdasarkan Pedoman Disiplin Pegawai No. Employee Discipline Guideline No. 0139 / SK / DIR-
0139/SK/DIR-HC/2017 yang ditetapkan pada HC / 2017 established on May 4, 2017.
tanggal 4 Mei 2017.
Tunjangan dan Fasilitas Pegawai Perseroan Employee Benefits and Facilities. The Company
menerapkan benefit lain untuk para pegawai, implements other benefits for employees, in the
berupa tunjangan dan fasilitas sebagai berikut: form of benefits and facilities as follows:
• Insentif • Incentives
1. Insentif Prestasi Kerja (IPK) 1. Work Performance Incentives (GPA)
Pada tahun 2019, Bank memberikan In 2019, the Bank appreciates employees’
apresiasi atas kinerja pegawai pada performance in Q1 and Q2 as motivation to
kwartal 1 dan kwartal 2 sebagai motivasi achieve targets while still taking into account
dalam mencapai target dengan tetap the Bank’s capabilities.
memperhatikan kemampuan Bank.
• Fasilitas • Facilities
1. Fasilitas Seni Budaya, Olahraga, dan Hobi 1. Cultural Arts, Sports and Hobbies Facilities
(bjb Club) (bjb Club)
2. Fasilitas Rekreasi 2. Recreational Facilities
3. Fasilitas Perjalanan Dinas 3. Official Travel Facilities
4. Fasilitas Mutasi Pegawai Ke Luar Kota 4. Staff Movements Facility Outside the City
5. Fasilitas Kesehatan 5. Health Facilities
6. Fasilitas Datasering 6. Datasering facilities
• Jaminan Sosial dan Program Pensiun • Social Security and Pension Programs
Perseroan memiliki program pensiun untuk The Company has a pension plan for employees,
para pegawai, dengan rincian sebagai with the following details:
berikut:
1. Jaminan Sosial 1. Social Security
a. Jaminan Sosial Tenaga Kerja a. Social Security of the Employees
1. Jaminan Hari Tua (JHT) 1. Old Age Security (JHT)
2. Jaminan Kecelakaan Kerja (JKK) 2. Work Accident Insurance (JKK)
3. Jaminan Kematian(JK) 3. Death Guarantee (JK)
4. Jaminan Pensiun (JP) 4. Pension Guarantee (JP)
b. Jaminan Kesehatan Nasional b. National health insurance
2. Program Pensiun 2. Pension Plan
a. Program Pensiun Manfaat Pasti a. Defined Benefit Pension Program
b. Program Pensiun Iuran pasti b. The defined contribution pension program
c. Asuransi Jiwa Pensiun c. Pension Life Insurance
d. Tunjangan Hari Tua d. d. Pension
pegawai, seperti akselerasi, kinerja dan karir. such as acceleration, performance and career. The
Perseroan menyusun rencana pengembangan Company prepares employee development plans
pegawai melalui program akselerasi yang through an acceleration program that covers
mencakup 3 pokok utama yaitu kompetensi, 3 main points namely employee competency,
kinerja, serta karir pegawai. Rencana performance and career. The development plan is:
pengembangan tersebut yaitu:
Pengembangan Program
No Keterangan Information
Program Development
1. Staff Development Program (SDP) Merupakan program akselerasi dengan It is an acceleration program that aims
bertujuan untuk mempersiapkan to prepare employees who have the
pegawai yang memiliki kompetensi competence to be the leaders of the
menjasi pemimpin-pemimpin masa future in accordance with the Bank's
depan sesuai dengan arah strategi strategic direction. The SDP career path
Bank. Jenjang karir SDP ini dipersiapkan is prepared for Level officers with a
untuk Level officer dengan usia pensiun retirement age of 55 years.
55 tahun.
2. Account Officer Development Program Program pengembangan karir yang Career development programs intended
(AODP) diperuntukkan bagi para pegawai level for assistant level employees who are
assistant yang dipersiapkan untuk prepared to fill critical positions in the
mengisi jabatan-jabatan critical di business field.
bidang bisnis.
3. Frontliner Development Program (FLDP) Program pengembangan karir yang Career development programs aimed at
diperuntukkan bagi para pegawai level assistant level employees in the frontliner
assistant di bidang frontliner yang field and are prepared to fill structural
dipersiapkan untuk mengisi jabatan positions as Chief Cash Officers or Fund
struktural sebagai Pemimpin Kantor and Service Operational Officers.
Kas atau Officer Operasional Dana dan
Jasa.
4. Information Technology Development Merupakan program pengembangan It is an employee development program
Program (ITDP) pegawai yang diperuntukan bagi intended for bank bjb internal employees
pegawai internal bank bjb yang who have the ability and interest in
memiliki kemampuan dan minat di banking IT.
bidang IT Perbankan. Through ITDP, the Bank prepares and
Melalui ITDP, Bank mempersiapkan enhances the capabilities of existing
sekaligus meningkatkan kemampuan technology experts to have capabilities
para ahli teknologi yang ada agar that are equivalent to the market and
memiliki kemampuan yang setara can compete with the banking industry or
dengan pasar dan dapat bersaing technology-based or financial technology
dengan industry perbankan maupun (fintech) companies in the 4.0 era.
perusahaan berbasis teknologi atau
financial technology (fintech) di era 4.0.
5. Dealer Treasury Program Merupakan program pengembangan It is an employee development program
pegawai dalam rangka pemenuhan in the context of meeting the needs of
kebutuhan pegawai untuk jabatan employees for the position of Dealer -
Dealer – Divisi Treasury dimana sumber Treasury Division where the source of
kandidatnya berasal dari pegawai candidates comes from existing bank
eksisting bank bjb baik dari internal bjb employees from both the internal
Divisi Treasury maupun unit kerja Treasury Division and other work units
lainnya yang memiliki kompetensi dan that have competence and potential in
potensi di bidang Treasury khususnya the field of Treasury, especially Dealers.
Dealer.
6. Accelleration Program Merupakan program akselerasi level This is a level 1 assistant level acceleration
assistant grade 1, melalui kenaikan program, through the upgrade 1 level
grade 1 tingkat dengan tujuan untuk to increase the motivation of well-
meningkatkan motivasi para pegawai performing employees.
yang berkinerja baik.
Budaya Perseroan yang dikelola dengan baik The culture of a well-managed company has a
memiliki peranan yang strategis dalam upaya strategic role in efforts to achieve the vision, mission,
pencapaian visi, misi, tujuan, strategi, dan goals, strategies and business goals. The consistent
sasaran-sasaran usaha. Penerapan budaya application of the corporate bank bjb culture in
perusahaan bank bjb secara konsisten dalam all daily activities by all employees will encourage
setiap aktivitas sehari-hari oleh seluruh the achievement of good company performance,
pegawai, akan mendorong pencapaian kinerja along with the stages of its application.
perusahaan yang baik, berikut tahapan
penerapannya.
1. Pencapaian visi dan misi Perseroan, 1. Achieving the Company’s vision and mission,
diperlukan strategi yang tepat dan efektif appropriate and effective strategies are needed
yang dituangkan dalam rencana bisnis bank as outlined in the bank’s business plan so that
(business plan) sehingga tujuan perusahaan the company’s goals are effectively achieved.
tercapai dengan efektif.
2. Strategi Perseroan tersebut dijabarkan 2. The Company’s strategy is described in the
dalam bentuk action plan dengan didukung form of an action plan supported by Programs,
oleh Program, Sistem dan Prosedur Kerja. Systems and Work Procedures.
3. Untuk mengarahkan dan memastikan 3. To direct and ensure that each program, system
agar setiap program, sistem dan prosedur and procedure can be implemented properly, a
tersebut dapat dilaksanakan dengan baik, series of legal instruments such as Instructions,
diperlukan serangkaian perangkat hukum Instructions and Regulations are required
seperti Petunjuk, Instruksi, dan Peraturan and all levels of the organization’s company
dan seluruh jajaran perusahaan organisasi must follow the instructions, instructions and
wajib mengikuti petunjuk, instruksi, dan regulations.
peraturan tersebut.
4. Dalam melaksanakan aktivitasnya untuk 4. In carrying out its activities to achieve the
mencapai visi dan misi Perseroan, seluruh Company’s vision and mission, all employees
pegawai harus bersikap dan berperilaku must behave in accordance with company
yang sesuai dengan budaya perusahaan. culture.
5. Sikap dan perilaku tersebut merupakan 5. These attitudes and behaviors are manifestations
wujud dari norma-norma dan nilai-nilai yang of the norms and values that exist within the
ada di lingkungan Perseroan. Company.
Nilai-nilai Budaya Perusahaan bank bjb The bank bjb Corporate Culture values serve as
merupakan penjabaran lebih lanjut atas slogan further elaboration of the bank bjb slogan as well
bank bjb sebagai acuan pokok bagaimana as the guideline for behavior for the bank bjb with
perilaku bank bjb dengan segenap jajarannya all staff in managing the business.
dalam mengelola bisnisnya.
Nilai-Nilai Budaya Perusahaan bank bjb adalah The bank bjb Corporate Values are “GO SPIRIT”.
“GO SPIRIT”.
Arti Kata GO pada logo GO-SPIRIT adalah “Suatu The meaning of the word GO in the GO-SPIRIT
ajakan secara bersama-sama, bekerjasama, logo is “a joint invitation, cooperation, mutual
saling membantu, bahu-membahu dalam assistance, shoulder to shoulder in achieving the
mencapai suatu visi, misi dan tujuan Bank’s vision, mission and goals”.
perusahaan”.
Arti Kata SPIRIT pada logo GO-SPIRIT adalah The meaning of the word SPIRIT in the GO-
“Semangat”; “Jiwa”; “Antusias”. Memberikan arti SPIRIT logo is “Passion”; “Soul”; “Enthusiasm”. This
nilai perusahaan yang diwarnai oleh insan- provides the meaning of the values accompanied
insan yang memiliki semangat, menjiwai, dan by personnel who have passion, inspiration,
antusias dalam memaknai, mengamalkan and enthusiasm in interpreting, performing and
dan mengimplementasikan nilai-nilai budaya implementing bank bjb corporate cultural values
perusahaan bank bjb dalam setiap aktivitas in every activity, which consists of:
kehidupan insan bank bjb, yang terdiri dari:
• Service Excellence - Service Excellence
• Professionalism - Professionalism
• Integrity - Integrity
• Respect - Respect
• Innovation - Innovation
• Trust - Trust
Arti GO-SPIRIT secara keseluruhan adalah The meaning of GO-SPIRIT as a whole is “the value
“Nilai yang tertanam dalam setiap insan bank instilled in every person to work together, help
bjb untuk bersama-sama, bekerjasama, saling each other, shoulder to shoulder in achieving the
membantu, bahu-membahu dalam mencapai Bank’s vision, mission and goals in balance with
suatu visi, misi dan tujuan perusahaan yang a spirit that is full of passion and enthusiasm
sesuai dan diimbangi dengan jiwa yang penuh in interpreting, conducting and implementing
semangat serta antusias dalam memaknai, corporate cultural values and the behavior in GO-
mengamalkan dan mengimplementasikan nilai- SPIRIT itself”.
nilai budaya perusahaan serta perilaku yang
terkandung dalam GO-SPIRIT itu sendiri”.
Tugas dan Tanggung Jawab Tim Roles & Responsibilities of The Culture
Internalisasi Budaya (Unit Kerja) Internalization Team (Business Unit)
1. Change Leader (Lead, Facilitate, Monitor) 1. Change Leader (Lead, Facilitate, Monitor)
Tugas dan tanggungjawab Pimpinan Divisi/ Duties and Responsibilities of Division
Pimpinan Kantor Wilayah/Pimpinan Kantor Managers/Regional Office Heads/ Branch Office
Cabang: Heads:
a. Merumuskan, menyebarkan, memonitor a. Formulate, disseminate, monitor & evaluate
dan mengevaluasi program budaya national cultural programs.
nasional.
b. Memonitor dan mengevaluasi program b. Monitor & evaluate business unit cultural
budaya unit kerja. programs.
2. Change Coordinator (Facilitate and Deliver) 2. Change Coordinator (Facilitate & Deliver)
Tugas dan tanggungjawab Group Head/ Duties and Responsibilities of Regional Group
Kontrol Internal Wilayah/Kontrol Internal Head/ Control/Branch Internal Control:
Cabang:
a. Memastikan internalisasi budaya a. Ensure cultural internalization has been
berlangsung efektif di area yang menjadi implemented effectively in the area under
tanggung jawabnya. their supervision.
b. Menjadi mentor/coach bagi para Change b. Become a mentor/coach for the Change
Agent. Agents.
c. Secara proaktif mengidentifikasi dan c. Proactively identify and resolve
menyelesaikan isu-isu implementasi. implementation issues.
d. Berkoordinasi dengan Tim Internalisasi d. Coordinate with the Culture Internalization
Budaya dalam penerapan program Team in implementing national culture
budaya nasional. programs.
e. Menjadi figur panutan (role model). e. Become a role model.
3. Change Agents (Facilitate and Deliver) 3. Change Agents (Facilitate & Deliver)
Tugas dan tanggungjawab Manager/Kepala Duties and Responsibilities of Manager/Head of
Kantor Cabang Pembantu/Kepala Kantor Sub-Branch Office/Head of Cash Office:
Kas:
a. Secara aktif memfasilitasi, a. Actively facilitate, socialize, influence the
mensosialisasikan, mempengaruhi work environment to behave as expected.
lingkungan kerjanya untuk berperilaku
sebagaimana diharapkan.
b. Menjadi figur panutan (role model). b. Become a role model.
Evaluasi terhadap Change agent dilakukan salah Change agents are evaluated among others
satunya melalui laporan implementasi yang through the monthly report and through special
dibuat setiap bulan dan melalui pelatihan yang annual training for Change Agent.
tahunan khusus untuk change Agent.
1
5 Penetapan
Monitoring nilai-nilai
dan Evaluasi perusahaan
dan perilaku
utama
4 2
Eksternalisasi Sosialisasi
3
Internalisasi
4. Eksternalisasi 4. Externalization
Pada tahapan ini, dampak dari implementasi At this stage, the impact of the implementation
budaya perusahaan dirasakan oleh of corporate culture is acknowledged by the
lingkungan eksternal (nasabah, masyarakat, external environment (customers, communities,
shareholders). Seluruh jajaran perusahaan shareholders). All levels within the Bank have
telah mengimplementasikan nilai-nilai budaya well implemented the Bank’s cultural values so
perusahaan dengan baik sehingga lingkungan that the external environment also experiences
eksternal turut merasakan dampak yang the positive impact of these cultural changes.
positif dari perubahan budaya tersebut. Untuk To optimize the benefits derived from cultural
mengoptimalkan manfaat yang diperoleh change, such change is also conveyed to
dari perubahan budaya, maka perubahan external parties through cultural programs
ini disampaikan pula kepada pihak eksternal related to external parties.
melalui program-program budaya yang
berkaitan dengan pihak eksternal.
5. Monitoring dan Evaluasi 5. Monitoring and Evaluation
Monitoring implementasi perubahan budaya Monitoring the implementation of cultural
dilakukan di setiap Unit Kerja oleh oleh Tim change is conducted in each Business Unit by
Internalisasi Budaya. Tim internalisasi budaya the Culture Internalization Team. The cultural
yang terdiri dari Change Leader, Change internalization team consisting of a Change
Coordinator dan Change Agent memonitor Leader, Change Coordinator and Change Agent
dan mengevaluasi secara berkala penerapan periodically monitors and evaluates the cultural
budaya pada unit kerjanya masing-masing adoption in each work unit and then reports to
kemudian disampaikan laporannya kepada the coordinator of the Cultural Internalization
koordinator Tim Internalisasi Budaya di Team at the head office. The activities of cultural
kantor pusat. Adapun kegiatan monitoring dan change monitoring and evaluation consist of:
evaluasi perubahan budaya terdiri dari:
• Penyampaian laporan implementasi • Submit reports on the implementation of
program budaya perusahaan secara corporate culture programs periodically to
periodik kepada koordinator Tim the coordinator of the Culture Internalization
Internalisasi Budaya di kantor pusat. Team at the head office.
• Kunjungan kerja ke Kantor Cabang oleh Tim • Conduct a business visit to the Branch Office
Internalisasi Budaya. by the Culture Internalization Team.
• Memantau pemahaman budaya • Monitor the understanding of corporate
perusahaan melalui kuisioner. culture through questionnaires.
• Menyelenggarakan pertemuan berkala bagi • Organize regular meetings for Change
para Change Leader, Change Coordinator Leaders, Change Coordinators and Change
dan Change Agent untuk sharing terkait Agents to share cultural programs.
program budaya.
• Menyampaikan pengaduan tentang • Submit a complaint related to violations of
pelanggaran budaya perusahaan pada unit corporate culture in their respective business
kerjanya masing-masing untuk selanjutnya units for further processing. Individuals who
akan diproses secara wajar. Terhadap have reported complaints of violations
individu yang telah melaporkan pengaduan which have been proven to be true will be
pelanggaran tersebut dan terbukti protected.
kebenarannya, akan diberi perlindungan.
Dalam implementasi budaya perusahaan bank For the implementation of corporate culture,
bjb ini diterapkan reward dan punishment bagi bank bjb provides reward and punishment for
Unit Kerja, Tim Internalisasi Budaya ataupun the Business Unit, Culture Internalization Team
pegawai sesuai dengan ketentuan yang berlaku. or employees in accordance with prevailing
regulations.
Jumlah Pegawai
Jabatan Position
Total Employees
Pemimpin Divisi Division Head 1
Kedudukan Divisi Technology Informasi berada Position of the Information Technology Division is
dibawah Direktorat Information Technology, under the Directorate of Information Technology,
Treasury & International Banking berdasarkan Treasury & International Banking based on Decree
SK No. 0859/SK/DIR-PS/2019 tanggal 22 Juli No. 0859 / SK / DIR-PS / 2019 dated 22 July 2019
2019 tentang Struktur Organisasi PT Bank concerning the Organizational Structure of PT Bank
Pembangunan Daerah Jawa Barat & Banten Tbk. Pembangunan Daerah Jawa Barat & Banten Tbk.
Information
Technology
IT Development IT Operation
IT Strategic Plan memastikan bahwa enterprise The IT Strategic Plan ensures that IT enterprise
IT memberikan hasil dan layanan yang optimal provides optimal results and services
yang secara langsung mendukung visi, misi, that directly support the organization’s
strategi, dan prioritas organisasi. vision, mission, strategy and priorities.
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Phase 1 : Mobilize, Business Analysis: Mendefinisikan ruang lingkup, mempelajari strategi bisnis, dan melihat tren industri.
Mobilize, Business Analysis: Define scope, study business strategies, and see industry trends.
Phase 2 : Diagnostics: Memahami bank bjb – melakukan diskusi untuk mengerti situasi dan lingkungan TI saat ini.
Diagnostics: Understanding bank bjb - conducting discussions to understand the current situation and IT environment.
Phase 3 : Strategic Visioning: Mendefinisikan kondisi yang diharapkan – Strategic Blueprinting.
Strategic Visioning: Defining expected conditions - Strategic Blueprinting.
Phase 4 : Opportunity Generation: Mengidentifikasi kesempatan – menutup kesenjangan.
Opportunity Generation: Identifying opportunities - closing gaps.
Phase 5 : Roadmap Planning: Mengembangkan roadmap strategis.
Roadmap Planning: Develop a strategic roadmap.
Pemimpin Divisi
Information Technology
Division Head
Information Technology
Wakil Pemimpin Divisi Wakil Pemimpin Divisi
IT-Development IT-Operation
Deputy Head of the Deputy Head of the
IT-Development Division IT-Operation Division
Pemimpin Grup Planning Pemimpin Grup Pemimpin Grup Pemimpin Pemimpin Grup
& Governance Project Management Network, System & Grup Operation Helpdesk & Support
Group Head Group Head Risk management Management DC Group Head
Planning & Governance Project Management Head & DRC Helpdesk &
Network Group, Group Head Support
System & Risk Operation
Pemimpin Grup Pemimpin Grup management DC Management
Application Management Business Inteligence & & DRC
Core & Non Core Banking Data Analytic
Group Head Application Group Head Business
Management Core & Intelligence & Data Analytic
Non Core Banking
bank bjb telah memiliki Infrastruktur yang bank bjb has already owned infrastructure that
dapat bersaing pada era modern salah satunya can compete in the modern era, one of which is
Perangkat Network dan Security. Infrastruktur Network and Security Devices. The Company’s IT
TI Perseroan didukung oleh fasilitas Network infrastructure is supported by the Network Data
Data Center (DC) serta Disaster Recovery Center Center (DC) and Disaster Recovery Center (DRC)
(DRC). Adapun jumlah perangkat Network facilities. The number of Network Data Center
Data Center (DC) router sejumlah 10 unit dan (DC) routers is 10 units and switches are 12 units
switch sejumlah 12 unit sedangkan perangkat while the Network Disaster Recovery Center router
Network Disaster Recovery Center router sejumlah is 5 units and switches are 4 units. The Company
5 unit dan switch sejumlah 4 unit. Perseroan always carries out regular maintenance of the
senantiasa melakukan pemeliharaan secara infrastructure owned.
berkala terhadap infrastruktur yang dimiliki
tersebut.
Selama tahun 2019 Perseroan telah melakukan During 2019 the Company has made several
beberapa pengembangan baik dari sisi core developments in terms of core banking, switching
banking, switching maupun networking dimana and networking in which there are several
terdapat beberapa pengembangan aplikasi application developments including APERD
antara lain adalah pengembangan aplikasi Management application development, Liquidity
Pengelolaan APERD, Liquidity Coverage Ratio Coverage Ratio (LCR), KPR FLPP, Electronic
(LCR), KPR FLPP, Electronic Customer Relations Customer Relations Management (E-CRM),
Management (E-CRM), Sistem Layanan Informasi Financial Information Service System (SLIK),
Keuangan (SLIK), Net Stable Funding Ratio (NSFR), Net Stable Funding Ratio (NSFR), Development
Pengembangan Integrasi Switching BPD One, of BPD One Switching Integration, and Service
serta Pengembangan Layanan Pembayaran Development National Online Samsat Motor
Pajak Kendaraan Bermotor Samsat Online Vehicle Tax Payment (SAMOLNAS) as a service
Nasional (SAMOLNAS) sebagai bank agregator aggregator bank via switching aggregators.
layanan via switching agregator.
senantiasa selaras dengan Strategi Bisnis with the Company’s Business Strategy so that
perseroan sehingga tujuan bisnis dapat business objectives can be achieved. To answer
tercapai. Untuk menjawab ketersediaan the availability of Information Technology systems
sistem Teknologi Informasi yang aman, cepat that are safe, fast, reliable and in line with business
handal dan selaras dengan kebutuhan bisnis, needs, the company strengthens infrastructure,
perseroan memperkuat infrastruktur, jaringan communication networks and information security
komunikasi dan pengamanan informasi dengan by making additions and / or changes. To ensure
melakukan penambahan dan/atau perubahan the smooth operation of operations on an ongoing
didalamnya. Untuk memastikan kelancaran basis, improvements are also made to the policies
operasional secara berkelanjutan juga dilakukan and procedures in the Information Technology
penyempurnaan pada kebijakan dan prosedur sector that are in line with the company’s strategy,
bidang Teknologi Informasi yang sejalan dengan law, regulation and business.
strategi, hukum, regulasi dan bisnis perseroan.
Terdapat 191 proyek aplikasi yang telah There are 191 application projects that have been
diimplementasikan sepanjang tahun 2019, implemented throughout 2019; they are both new
baik aplikasi yang baru berjalan maupun dalam applications and in the process of developing and
proses pengembangan dan perubahan aplikasi changing existing applications. Some examples of
yang telah ada. Beberapa contoh project yang projects that have been implemented during the
telah diimplementasikan selama 1 (satu) tahun past 1 (one) year are as follows:
terakhir adalah sebagai berikut :
Berdasarkan Anggaran Rencana Bisnis Bank Based on the 2019 Bank Business Plan Budget,
Tahun 2019 perseroan mengalokasikan biaya the company allocated IDR 546.753 billion to be
sebesar Rp546,753 miliar untuk disalurkan channeled as an Information Technology expansion
sebagai dana ekspansi Teknologi Informasi fund, specifically in the infrastructure sector, to
khususnya dibidang infrastruktur dialokasikan be allocated IDR 336,551 billion. Until now the
sebesar Rp336,551 miliar. Hingga saat ini allocation of funds that have been successfully
alokasi dana yang berhasil diserap untuk absorbed for the development and improvement in
pengembangan dan peningkatan dibidang the field of Information Technology is IDR 250,639
Teknologi Informasi adalah sebesar Rp250,639 billion.
miliar.
IT Governance IT Governance
Framework Teknologi Informasi dalam tubuh Information Technology Framework in the body
perseroan yaitu berdasarkan COBIT 5 yang of the company is based on COBIT 5 listed in
tercantum pada IT Strategic Plan 2017 – 2022. the IT Strategic Plan 2017 - 2022. COBIT 5 is
COBIT 5 merupakan sebuah kerangka kerja a framework prepared by considering work
yang disusun dengan mempertimbangkan alignment and other international standards such
keselarasan kerja dan standar internasional as ITIL V3 (Service Management Framework), ISO
lainnya seperti ITIL V3 (Service Management 27000 (Information Security Standard), ISO 31000
Framework), ISO 27000 (Information Security (IT Governance Standard), TOGAF (Enterprise
Standard), ISO 31000 (IT Governance Standard), Architecture Framework), and various ISACA
TOGAF (Enterprise Architecture Framework), publication frameworks such as various ISACA
serta berbagai kerangka kerja publikasi ISACA publication frameworks such as Val IT, Risk IT, etc.
seperti berbagai kerangka kerja publikasi ISACA This makes COBIT 5 an integrated IT governance
seperti Val IT, Risk IT, dsb. Hal ini membuat and management framework that covers the entire
COBIT 5 sebagai sebuah kerangka kerja tata process in the company as a whole.
kelola dan manajemen TI yang terintegrasi dan
mencakup seluruh proses yang terdapat dalam
perusahaan secara menyeluruh.
Selain itu, COBIT 5 juga disusun dengan In addition, COBIT 5 was also prepared by
mempertimbangkan pendekatan holistic considering a holistic approach, which included
(menyeluruh), yaitu dengan mengikutsertakan seven enabler elements rather than just focusing
tujuh elemen enabler daripada hanya berfokus on the Information Technology process. The seven
terhadap proses Teknologi Informasi. Ketujuh enablers are:
enabler tersebut yaitu:
Pelaporan Teknologi Informasi mengacu kepada Information Technology Reporting refers to POJK
POJK nomor kepada Otoritas Jasa Keuangan number to the Financial Services Authority (OJK) No.
(OJK) No. 38/POJK.03/2016 tentang Penerapan 38 / POJK.03 / 2016 concerning Application of Risk
Manajemen Risiko dalam Penggunaan Teknologi Management in the Use of Information Technology
Informasi oleh Bank Umum. Salah satunya by Commercial Banks. One of them is in Article
terdapat pada Pasal 30 yang menyebutkan 30 which states that Banks are required to report
bahwa Bank wajib melaporkan kondisi terkini the latest conditions of the use of Information
penggunaan Teknologi Informasi Paling Lambat Technology no later than 1 (one) month since the
1 (satu) bulan sejak akhir tahun pelaporan. end of the reporting year.
Dalam melakukan pengendalian risiko In carrying out operational risk control in the
operasional di lingkungan perseroan termasuk company environment including the risk of using
risiko penggunaan Teknologi Informasi Information Technology therein, the process is
didalamnya, dilakukan secara komprehensif dan carried out comprehensively and continuously. In
berkelanjutan. Selain itu untuk fungsi tertentu addition, certain functions such as the information
seperti fungsi pengamanan informasi dan fungsi security function and Business Continuity Plan
Business Continuity Plan (BCP) dilaksanakan dan (BCP) function are carried out and monitored as
dipantau semaksimal mungkin dalam rangka much as possible in order to prevent, detect and
mencegah, mendeteksi dan melakukan corrective carry out corrective actions on identified potential
action atas potensi risiko yang teridentifikasi. risks.
Sosialisasi security assessment dan penetration The socialization of security assessment and
testing terhadap beberapa aplikasi kritikal telah penetration testing of several critical applications
dilaksanakan sebagai bagian mitigasi risiko yang has been carried out as part of risk mitigation
dilakukan oleh perseroan. undertaken by the company.
dan mobile payment. Sistem pembayaran and mobile payment. This national payment
nasional ini memungkinkan transaksi system allows non-cash payment transactions
pembayaran non tunai dapat diproses di to be processed domestically.
dalam negeri.
The bank bjb has been named one of the dozens of best companies on the TOP 50 Big Cap
Public Listed Companies list in The 11th CG Conference & Award 2019.
6. Peraturan Otoritas Jasa Keuangan No. 6. Financial Services Authority Regulation No.
17/POJK.03/2014 tentang Penerapan 17/POJK.03/2014 about the Implementation
Manajemen Risiko Terintegrasi Bagi of Integrated Risk Management for Financial
Konglomerasi Keuangan. Conglomerates.
7. Peraturan Otoritas Jasa Keuangan No. 18/ 7. Financial Services Authority Regulation No.
POJK.03/2014 tentang Penerapan Tata 18/POJK.03/2014 about the Implementation
Kelola Terintegrasi Bagi Konglomerasi of Integrated Governance for Financial
Keuangan. Conglomerates.
8. Peraturan Otoritas Jasa Keuangan No. 8/ 8. Financial Services Authority Regulation No.
POJK.04/2015 tentang Situs Web Emiten 8/POJK.04/2015 about Issuer’s or Public
atau Perusahaan Publik. Companies’ Websites.
9. Peraturan Otoritas Jasa Keuangan No. 31/ 9. Financial Services Authority Regulation No. 31/
POJK.04/2015 tentang Keterbukaan atas POJK.04/2015 about Disclosure of Material
Informasi atau Fakta Material oleh Emiten Information or Facts by Issuers or Public
atau Perusahaan Publik. Companies.
10. Surat Edaran Otoritas Jasa Keuangan No. 10. Circular of the Financial Services Authority No.
3/SEOJK.03/2017 tentang Penerapan Tata 3/SEOJK.03/2017 about the Implementation of
Kelola Bagi Bank Umum. Governance for Commercial Banks.
Selain ketentuan yang diharuskan dari In addition to the conditions required by the
berbagai peraturan perundang-undangan di various laws and regulations above, also bases on
atas, juga mengacu pada pedoman-pedoman the guidelines for implementing GCG as follows:
implementasi GCG sebagai berikut:
1. Prinsip-prinsip Corporate Governance 1. Principles of Corporate Governance developed
yang dikembangkan oleh Organization for by the Organization for Economic Cooperation
Economic Cooperation and Development and Development (OECD).
(OECD).
2. ASEAN Corporate Governance Scorecard. 2. ASEAN Corporate Governance Scorecard.
3. Pedoman GCG Indonesia yang 3. Indonesian GCG Guidelines developed by the
dikembangkan oleh Komite Nasional National Committee on Governance Policy
Kebijakan Governance (KNKG). (KNKG).
4. Pedoman GCG Perbankan Indonesia 4. Indonesian Banking GCG Guidelines developed
yang dikembangkan oleh Komite Nasional by the National Governance Policy Committee
Kebijakan Governance (KNKG). (KNKG).
5. Principles for Enhancing Corporate Governance 5. Principles for Enhancing Corporate Governance
yang diterbitkan oleh Basel Committee on published by the Basel Committee on Banking
Banking Supervision. Supervision.
yang jelas sesuai fungsinya masing-masing responsibilities in accordance with their respective
sebagaimana diamanahkan dalam anggaran functionsas mandated in the articles of association
dasar dan peraturan perundang-undangan. and legislation.
Risk Management
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Komite Audit
Dewan Komisaris
Board of Commissioner
Audit Committee
IT Steering Committee
Komite Pemantau
Risiko
Komite Manajemen
Risiko Committee Risk Monitoring
Committee
Integrated Risk
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Arsitektur Kebijakan dan Prosedur bertujuan The Architecture of Policies and Procedures aims
untuk: to be:
1. Sebagai upaya penyesuaian antara jenis, 1. an effort to adjust between types, hierarchy
hirarki dan materi muatan dari kebijakan and material content of Bank policies and
dan prosedur Bank. procedures.
2. Sebagai pelaksanaan prinsip kehati-hatian 2. a prudential banking principle based on
(prudential banking) dengan berpedoman Governance, Risk and Compliance (GRC),
pada Governance, Risk and Compliance (GRC), Business Ethics and Code of Conduct.
Business Ethic serta Code of Conduct.
Perseroan telah memiliki governance soft Company has a governance soft structure which
structure yang merupakan ketentuan-ketentuan is the provisions stipulated by the Board of
yang telah ditetapkan oleh Dewan Komisaris dan Commissioners and Directors to implement GCG
Direksi guna mengimplementasikan prinsip- principles at all levels of the organization, including:
prinsip GCG pada seluruh jenjang organisasi,
antara lain:
1. Anggaran Dasar Perseroan 1. The Company’s Articles of Association
2. Kebijakan Tata Kelola Perusahaan 2. Corporate Governance Policy
3. Pedoman dan Tata Tertib Kerja Dewan 3. Board of Commissioners Charter
Komisaris
4. Kebijakan Tata Tertib Kerja Direksi 4. Board of Directors Work Procedures Policy
5. Etika Usaha dan Tata Perilaku (Code of Conduct) 5. Business Ethics and Code of Conduct
6. Tata Kerja Pelaporan Pelanggaran (Whistleblowing) 6. WorkProceduresforReportingViolations(Whistleblowing)
7. Pedoman Pengendalian Gratifikasi 7. Gratification Control Guidelines
bank bjb merupakan Badan Usaha Milik bank bjb is a Regionally-Owned Enterprise with the
Daerah dengan kepemilikan Saham terbesar largest share ownership owned by the Government
dimiliki oleh Pemerintah Provinsi Jawa Barat. of West Java Province. The Series A shareholders
Pemegang Saham Seri A adalah Pemerintah are the Government of West Java Province with
Provinsi Jawa Barat dengan jumlah kepemilikan a total share ownership of 38.18% and the City/
sahamnya sebesar 38,18% dan Pemerintah Regency Governments in West Java with a total
Kota/Kabupaten se-Jawa Barat dengan jumlah share ownership of 24.03%. Therefore, the Major
kepemilikan sahamnya sebesar 24,03%. Shareholders and Controllers of the bank bjb are
Dengan demikian, Pemegang Saham Utama dan the West Java Provincial Government and the City/
Pengendali bank bjb adalah Pemerintah Provinsi Regency Governments in West Java. There are no
Jawa Barat dan Pemerintah Kota/Kabupaten se- Main Shareholders and Controllers indirectly, to
Jawa Barat. Tidak terdapat Pemegang Saham individual owners.
Utama dan Pengendali secara tidak langsung,
sampai kepada pemiliki individu.
Secara lebih rinci Informasi Pemegang Saham More detailed information on the Major and
Utama dan Pengendali dilihat pada bagian Controlling Shareholders is seen in the Composition
Komposisi Pemegang Saham pada Laporan sectionShareholders in this Annual Report.
Tahunan ini.
Saham Seri A adalah Saham yang memberikan Series A shares are shares which give special rights
hak khusus kepada pemegangnya dalam to their holders in the attendance quorum and the
kuorum kehadiran dan kuorum persetujuan GMS approval quorum as stipulated in the Articles
RUPS sebagaimana diatur dalam Anggaran of Association. The rights of Series A Shareholders
Dasar. Adapun hak Pemegang Saham Seri A are:
yaitu:
1. Menghadiri dan menyetujui pengangkatan, 1. Attending and approving the appointment,
pemberhentian dan persetujuan dismissal and approval of the resignation of
pengunduran diri Dewan Komisaris dan the Board of Commissioners and Directors.
Direksi.
2. Menghadiri dan menyetujui perubahan 2. Attending and approving amendments to the
Anggaran Dasar pengeluaran Efek Bersifat Articles of Association for Issuance of Securities
atau perubahan Modal Ditempatkan dan or changes in Issued and Paid-in Capital.
Disetor.
3. Menghadiri dan menyetujui penyetoran 3. Attending and approving stock deposits in
Saham dalam bentuk benda selain uang, the form of objects other than money, both
baik benda berwujud maupun benda tidak tangible and intangible objects.
berwujud.
4. Menghadiri dan menyetujui penggabungan, 4. Attending and approving the merger,
peleburan, pengambilalihan dan consolidation, acquisition and separation
pemisahan serta pengajuan permohonan and submission of an application so that
agar Perseroan dinyatakan pailit dan the Company is declared bankrupt and the
pembubaran Perseroan. liquidation of the Company.
5. Pemegang Saham dapat meminta 5. Shareholders may request the holding of a
penyelenggaran RUPS. GMS.
6. Pemegang Saham dapat mengusulkan mata 6. Shareholders may propose agenda in the GMS.
acara dalam RUPS.
7. Setiap Saham memberikan hak kepada 7. Each share gives the right to shareholders to
pemegang Saham untuk mengeluarkan 1 cast 1 (one) vote.
(satu) suara.
Sepanjang dalam Anggaran Dasar tidak As long as the Articles of Association are not
ditetapkan lain, maka Pemegang Saham Seri A stipulated otherwise, the Series A Shareholders and
dan Pemegang Saham Seri B mempunyai hak Series B Shareholders have the same rights.
yang sama.
Hubungan dengan Pemegang Saham dilakukan Relationships with Shareholders are conducted
Perseroan dengan melakukan Komunikasi by the Company by communicating between the
antara Perseroan dengan pemegang Saham Company and shareholders or investors through
atau investor dilakukan melalui pemberian periodic financial report information, analyst
informasi laporan keuangan secara berkala, meetings, GCG implementation reports, and annual
analyst meeting, laporan pelaksanaan GCG, reports. The Company has a communication
serta laporan tahunan. Perseroan telah memiliki policy with shareholders or investors with the
kebijakan komunikasi dengan pemegang aim that shareholders or investors get a clearer
Saham atau investor dengan tujuan agar para understanding of information that has been
pemegang Saham atau investor mendapatkan published to the public.
pemahaman lebih jelas atas informasi yang
telah dipublikasikan kepada masyarakat.
1. Direct, yang meliputi Public Expose, Non Deal 1. Direct, which includes Public Expose, Non Deal
Road Show, Analyst meeting, Press Conference, Road Show, Analyst meeting, Press Conference,
1-on-1 Meetings, Group Meetings, Branch Visits 1-on-1 Meetings, Group Meetings, Branch
dan Site Visits. Visits and Site Visits.
2. Indirect, yang meliputi Laporan Tahunan, 2. Indirect, which includes Annual Report,
Laporan Keuangan Publikasi (triwulan), Published Financial Reports (quarterly),
Website, Media, Conference Calls dan Emails. Website, Media, Conference Calls and Emails.
Prinsip dasar yang digunakan oleh Perseroan The basic principles used by Company are:
adalah:
1. Pengungkapan informasi dilakukan secara 1. Information disclosure is conducted fairly (fair
wajar (fair disclosure information) dengan disclosure information) with due regard to the
memperhatikan prinsip kesetaraan principle of equality (equitable treatment) and
(equitable treatment) dan transparansi. transparency.
2. Bank maupun Direksi serta pegawai wajib 2. Banks and Directors and employees are
memberikan informasi dengan berpegang required to provide information by adhering
pada prinsip kehati-hatian dengan to the principle of prudence by observing the
memperhatikan ketentuan kerahasiaan di provisions of confidentiality in the applicable
bidang perbankan yang berlaku. banking sector.
3. Komunikasi dengan Komunitas Pasar Modal 3. Communication with the Capital Market
dan Komunitas Investor menggunakan Community and Investor Community uses a
kebijakan satu pintu (one door policy). one door policy. The Company continues to
Perseroan senantiasa membangun build good relations with investors, analysts
hubungan baik dengan investor, analis and other capital market communities through
maupun masyarakat pasar modal lainnya the regular implementation of activities such as
melalui penyelenggaraan secara berkala meetings with analysts/investors on a national
kegiatan-kegiatan seperti pertemuan and international scale and performance
dengan analis/investor dalam skala nasional exposure to the public.
maupun internasional serta paparan kinerja
kepada publik.
Perseroan senantiasa membangun hubungan Company always builds good relations with
baik dengan investor, analis maupun masyarakat investors, analysts and other capital market
pasar modal lainnya melalui penyelenggaraan communities through regular organizing of
secara berkala kegiatan-kegiatan seperti activities such as meetings with analysts/investors
pertemuan dengan analis/investor dalam skala on a national and international scale and
nasional maupun internasional serta paparan performance exposure to the public. The Company
kinerja kepada publik. Perseroan juga memenuhi also fulfils the obligation to disclose information as
kewajiban keterbukaan informasi sebagaimana regulated in Indonesian Capital Market regulations
yang diatur dalam peraturan Pasar Modal such as financial reports, annual reports, certain
Indonesia seperti laporan keuangan, laporan shareholder reports and public exposures.
tahunan, laporan pemegang Saham tertentu
dan paparan publik.
Perseroan juga telah memberikan akses seluas- Company has also provided the widest possible
luasnya kepada masyarakat umum dan investor access to the general public and investors to obtain
untuk memperoleh informasi melalui situs information through the Company’s website on
Perseroan di laman bank bjb www.bankbjb. the bank bjb page www.bankbjb.co.id. This site
co.id. Situs ini memuat informasi terkini seperti contains the latest information such as corporate
aksi korporasi, laporan keuangan dan company actions, financial reports and company guidance
Rapat Umum Pemegang Saham (RUPS) bank bjb The bank bjb General Meeting of Shareholders
terdiri atas RUPS Tahunan dan RUPS Luar Biasa. (GMS) consists of the Annual GMS and the
RUPS Tahunan diselenggarakan tiap tahun Extraordinary GMS. The Annual GMS is held
paling lambat 6 (enam) bulan setelah tahun every year no later than 6 (six) months after the
buku Perseroan ditutup. Sedangkan RUPS Luar Company’s fiscal year is closed. While Extraordinary
Biasa dapat diselenggarakan sewaktu-waktu GMS can be held at any time based on the need to
berdasarkan kebutuhan untuk membicarakan discuss and decide on the agenda of the meeting
dan memutuskan mata acara rapat dengan by observing the applicable laws and regulations
memperhatikan peraturan perundang- and the Company’s Articles of Association.
undangan yang berlaku dan Anggaran Dasar
Perseroan.
Pada saat pelaksanaan RUPS, Perseroan dapat In the GMS, the Company may invite other parties
mengundang pihak lain yang terkait dengan mata related to the agenda of the GMS. The other
acara RUPS, Pihak lain yang dimaksud antara parties includes institutions and/or Capital Market
lain lembaga dan/atau Profesi Penunjang Pasar Supporting Professionals related to the holding
Modal yang terkait dengan penyelenggaraan of the GMS and/or related to the agenda and
RUPS dan/atau terkait dengan mata acara rapat meetings of committees owned by the Company.
dan komite yang dimiliki Perseroan.
Kewenangan RUPS meliputi hal-hal sebagai The authority of the GMS includes the following
berikut, termasuk namun tidak terbatas pada: matters, including but not limited to:
1. Mengangkat dan memberhentikan anggota 1. To appoint and dismiss members of the
Dewan Komisaris dan Direksi Perusahaan. Company’s Board of Commissioners and Directors.
2. Menyetujui Laporan Tahunan dan Laporan 2. Approve the Annual Report and Financial
Keuangan serta menetapkan penggunaan Statements and determine the use of profits, if
laba, jika perusahaan mempunyai saldo laba the company has a positive profit balance.
yang positif.
3. Menetapkan gaji berikut fasilitas dan 3. Determine the salary and facilities and benefits
tunjangan anggota Dewan Komisaris dan of members of the Board of Commissioners
Direksi. and Directors.
4. Memutuskan perbuatan hukum untuk 4. Decides legal actions to conduct material
melakukan transaksi material dan transactions and certain conflict of interest
transaksi benturan kepentingan tertentu transactions as referred to in legislation in the
sebagaimana dimaksud dalam peraturan capital market.
perundang-undangan di bidang pasar
modal.
5. Memutuskan perbuatan hukum untuk 5. Decides legal actions to transfer or guarantee
mengalihkan atau menjadikan jaminan debt in whole or more than 50% (fifty percent)
utang seluruh atau lebih dari 50% (lima of the total net assets of the Company either
puluh persen) dari sejumlah kekayaan in one transaction or several transactions
bersih Perseroan baik dalam satu transaksi that are independent or related to each other,
atau beberapa transaksi yang berdiri sendiri which occur within a period of 1 (one) fiscal
ataupun yang berkaitan satu sama lain, yang year or a longer period of time as stipulated in
terjadi dalam jangka waktu 1 (satu) tahun the Company’s Articles of Association.
buku atau jangka waktu yang lebih lama
sebagaimana diatur dalam Anggaran Dasar
Perseroan.
6. Menyetujui pengunduran diri anggota 6. Approve the resignation of members of the
Direksi dan anggota Dewan Komisaris. Board of Directors and the Board of Commissioners.
7. Merubah Anggaran Dasar Perseroan. 7. Change the Company’s Articles of Association.
8. Memberikan persetujuan pengeluaran 8. To approve the issuance of Equity Securities/
Efek Bersifat Ekuitas/Perubahan Modal Changes in Issued and Paid-Up Capital, as well
Ditempatkan dan Disetor, serta penyetoran as the payment of shares.
Saham.
9. Memberikan persetujuan penggabungan, 9. To approve the merger, consolidation,
peleburan, pengambilalihan, pemisahan, acquisition, separation and submission of an
pengajuan permohonan agar Perseroan application so that the Company is declared
dinyatakan pailit dan pembubaran bankrupt and the liquidation of the Company.
Perseroan.
10. Penunjukan Akuntan Publik dan/atau 10. Appointment of a Public Accountant and/or
pemberian kuasa kepada Dewan Komisaris granting power of attorney to the Board of
untuk menunjuk Akuntan Publik dengan Commissioners to appoint a Public Accountant
disertai penjelasan mengenai alasan accompanied by an explanation of the reasons
pemberian kuasa tersebut dan kriteria atau for the power of attorney and the criteria or
batasan Akuntan Publik. limitations of the Public Accountant.
11. Menetapkan pembagian tugas dan 11. Establish the division of tasks and management
wewenang pengurusan diantara anggota authority among members of the Board of
Direksi. Directors.
RUPS Tahunan diselenggarakan setiap tahun The Annual GMS is held every year no later than
paling lambat 6 (enam) bulan setelah tahun 6 (six) months after the Company’s fiscal year is
buku Perseroan ditutup. Sedangkan untuk RUPS closed. Meanwhile, the Extraordinary GMS can
Luar Biasa dapat diselenggarakan sewaktu- be held at any time based on the needs of the
waktu berdasarkan kebutuhan Perseroan Company by taking into account the applicable
dengan memperhatikan peraturan perundang- laws and regulations and the Articles of Association.
undangan yang berlaku dan Anggaran Dasar.
RUPS wajib dilakukan di wilayah Republik GMS must be held in the territory of the Republic of
Indonesia yaitu dapat diadakan di: Indonesia which can be held at:
1. Tempat kedudukan Perseroan. 1. The domicile of the Company.
2. Tempat Perseroan melakukan kegiatan 2. Where the Company conducts main business
usaha utama. activities.
3. Ibukota Provinsi tempat kedudukan atau 3. The Capital of the Province of the domicile or
tempat kegiatan usaha utama Perseroan. place of the Company’s main business activities.
4. Provinsi tempat kedudukan Bursa Efek atas 4. The province where the Stock Exchange is
Saham Perseroan dicatatkan. domiciled over the Company’s shares is listed.
Pengumuman RUPS dilakukan paling lambat Announcement of the GMS is made no later than 14
14 (empat belas) hari sebelum pemanggilan (fourteen) days prior to the invitation of the GMS,
RUPS dengan tidak memperhitungkan tanggal excluding the announcement date and the date of
pengumuman dan tanggal pemanggilan. the summons. The Company is obliged to call the
Perseroan wajib melakukan pemanggilan RUPS GMS to Shareholders no later than 21 (twenty one)
kepada Pemegang Saham paling lambat 21 (dua days before the GMS, without taking into account
puluh satu) hari sebelum RUPS, dengan tidak the date of the invitation and date of the GMS.
memperhitungkan tanggal pemanggilan dan
tanggal RUPS.
RUPS dipimpin oleh Komisaris Utama, dalam hal The GMS is chaired by the President Commissioner,
Komisaris Utama tidak hadir atau kosong, maka in the event the President Commissioner is absent
RUPS dipimpin oleh seorang anggota Dewan or vacant, the GMS is chaired by a member of the
Komisaris yang ditunjuk oleh Rapat Dewan Board of Commissioners appointed by the Board
Komisaris. Dalam hal semua anggota Dewan of Commissioners’ Meeting. In the event that all
Komisaris tidak hadir atau kosong, maka RUPS members of the Board of Commissioners are
dipimpin oleh salah seorang anggota Direksi absent or empty, the GMS is chaired by a member
yang ditunjuk oleh Direksi. Dalam hal semua of the Board of Directors appointed by the Board
anggota Direksi tidak hadir atau kosong, maka of Directors. In the event that all members of the
RUPS dipimpin oleh Pemegang Saham yang Board of Directors are absent or empty, the GMS
hadir dalam RUPS yang ditunjuk dari dan oleh is chaired by Shareholders who are present at the
peserta. GMS appointed from and by the participants.
Dalam hal anggota Dewan Komisaris yang In the event that a member of the Board of
ditunjuk oleh Dewan Komisaris yang mempunyai Commissioners appointed by the Board of
benturan kepentingan atas hal yang akan Commissioners has a conflict of interest regarding
diputuskan dalam RUPS, maka RUPS dipimpin the matter to be decided at the GMS, the GMS
oleh anggota Dewan Komisaris lainnya yang shall be chaired by another member of the Board
tidak mempunyai benturan kepentingan yang of Commissioners who does not have a conflict of
ditunjuk oleh Dewan Komisaris. Apabila semua interest appointed by the Board of Commissioners.
anggota Dewan Komisaris mempunyai benturan If all members of the Board of Commissioners have
kepentingan, maka RUPS dipimpin oleh salah a conflict of interest, the GMS is chaired by one of
satu Direktur yang ditunjuk oleh Direksi. the Directors appointed by the Board of Directors.
Dalam hal salah satu Direktur yang ditunjuk oleh In case of one of the Directors appointed by
Direksi mempunyai benturan kepentingan atas the Board of Directors has a conflict of interest
hal yang akan diputuskan dalam RUPS, maka regarding the matter to be decided at the GMS, the
RUPS dipimpin oleh anggota Direksi yang tidak GMS shall be chaired by a member of the Board of
mempunyai benturan kepentingan. Apabila Directors who does not have a conflict of interest.
semua anggota Direksi mempunyai benturan If all members of the Board of Directors have a
kepentingan, maka RUPS dipimpin oleh salah conflict of interest, the GMS is chaired by one of
seorang Pemegang Saham bukan pengendali the non-controlling Shareholders elected by the
yang dipilih oleh mayoritas Pemegang Saham majority of Shareholders present at the GMS.
yang hadir dalam RUPS.
Semua keputusan diambil berdasarkan All decisions are made based on deliberation to
musyawarah untuk mufakat. Dalam hal reach consensus. In the event that a decision based
keputusan berdasarkan musyawarah untuk on deliberation to reach consensus is not reached,
mufakat tidak tercapai maka keputusan then the decision is taken based on the agreed vote
diambil berdasarkan suara setuju sebagaimana as determined in the Articles of Association. Each
ditentukan dalam Anggaran Dasar. Setiap Shareholder is subject to the Company’s Articles of
Pemegang Saham tunduk kepada Anggaran Association and to all decisions taken legally at the
Dasar Perseroan dan kepada semua keputusan GMS and the applicable laws and regulations.
yang diambil dengan sah dalam RUPS serta
peraturan perundangan-undangan yang
berlaku.
Perseroan wajib membuat risalah RUPS dan The Company is required to prepare a GMS minutes
ringkasan risalah RUPS. Risalah RUPS wajib and a summary of GMS minutes. Minutes of the
dibuat dan ditandatangani oleh pimpinan rapat GMS must be prepared and signed by the chair
dan paling sedikit 1 (satu) orang Pemegang of the meeting and at least 1 (one) Shareholder
Saham yang ditunjuk dari dan oleh peserta appointed from and by the GMS participants.
RUPS. Risalah RUPS dibuat dalam bentuk akta Minutes of the GMS are made in the form of a
Berita Acara Rapat yang dibuat oleh notaris. Minutes of Meeting made by a notary. Furthermore,
Selanjutnya, risalah RUPS wajib disampaikan minutes of the GMS must be submitted to the FSA
kepada OJK paling lambat 30 (tiga puluh) hari no later than 30 (thirty) days after the GMS is held.
setelah RUPS diselenggarakan.
Pelaksanaan RUPS Tahunan 2019 dan Implementation of The 2019 Annual GMS and Its
Realisasinya Realization
Tahapan pelaksanaan RUPS Tahunan 2019 The stages of the 2019 Annual GMS are explained in
dijelaskan dalam tabel berikut. the following table.
Diberitahukan Diumumkan pada Diumumkan pada RUPS tahunan Ringkasan Risalah RUPS Diumumkan pada
pada tanggal tanggal 22 Maret 2019, tanggal 8 April 2019, dilaksanakan pada Selasa, Tahunan diumumkan tanggal 3 Mei 2019
15 Maret 2019 melalui Harian Umum melalui Harian 30 April 2019 pada pukul tanggal 3 Mei 2019 melalui Harian
kepada OJK. Bisnis Indonesia Umum Kontan 10.35 s/d 14.06 WIB, melalui Harian Umum Umum Pikiran
Informed dan Harian Umum dan Harian Umum bertempat di Ballroom Pikiran Rakyat dan Harian Rakyat dan Harian
On March 15, 2019 Pikiran Rakyat. Pikiran Rakyat. Trans Hotel Jl. Gatot Umum Kontan. Umum Kontan.
to OJK. Announced on Announced on Subroto No. 289 Bandung Summary of Minutes Announced on May
March 22, 2019, through April 8, 2019, through Annual GMS of the Annual GMS was 3, 2019 through
the Bisnis Indonesia Daily Newspaper titled held on Tuesday, April 30, announced on 3 May 2019 Newspaper titled
and the Pikiran Rakyat. Pikiran Rakyat and 2019 at 10:35 to 14.06 WIB, through Newspaper titled Pikiran Rakyat and
Kontan. located at the Trans Hotel Pikiran Rakyat and Kontan. Kontan.
Ballroom Jl. Gatot Subroto
No. 289 Bandung
Rekapitulasi Kehadiran Pada RUPS Tahunan Attendance Recapitulation At The 2019 Annual
2019 GMS
RUPS Tahunan 2019 yang dihadiri oleh Annual GMS 2019 attended by the Board of
Dewan Komisaris dan Direksi Perseroan serta Commissioners and Directors of the Company
kehadiran lembaga/profesi penunjang pasar and the presence of capital market supporting
modal. Kehadiran lembaga/profesi penunjang institutions/professions. The presence of capital
pasar modal dalam RUPS Tahunan 2019 antara market supporting institutions/professions at the
lain: 2019 Annual GMS include:
1. Raden Tendy Suwarman, Sarjana Hukum, 1. Raden Tendy Suwarman, Bachelor of Law,
Notaris di Kota Bandung yang akan Notary in Bandung City who will make Minutes
membuat Risalah Rapat Umum Pemegang of the Annual General Meeting of Shareholders.
Saham Tahunan.
2. Kantor Akuntan Publik Amir, Abadi, Jusuf, 2. Amir, Abadi, Jusuf, Mawar and Rekan’s Public
Mawar dan Rekan, firma anggota RSM Accountant Firm, a member of the Global RSM
Global yang telah melakukan Audit Laporan member who has conducted an Audit of the
Keuangan Perseroan untuk Tahun Buku Company’s Financial Statements for Fiscal
2018 yang dalam hal ini diwakili oleh Bapak Year 2018 which in this case was represented
Saptoto Agustomo dan Bapak Bimo Iman by Mr. Saptoto Agustomo and Mr. Bimo Iman
Santoso. Santoso.
3. Biro Administrasi Efek Perseroan yaitu 3. The Company’s Securities Administration
Perseroan Terbatas PT Datindo Entrycom Bureau, namely the Limited Liability Company
yang diwakili oleh Bapak Agus Eka. PT Datindo Entrycom, represented by Mr. Agus Eka.
4. Konsultan Hukum Perseroan, yaitu: 4. Company Legal Consultants, namely:
-- Bapak Dindin S. Maolani, Sarjana Hukum -- Mr. Dindin S. Maolani, Bachelor of Laws
-- Ibu Etza Imelda Fitri, Sarjana Hukum, -- Mrs. Etza Imelda Fitri, Bachelor of Laws,
Magister Hukum. Master of Laws.
Dewan Komisaris dan Direksi yang yang hadir The Board of Commissioners and Directors present
dalam RUPS Tahunan adalah sebagai berikut. at the Annual GMS are as follows.
Keputusan dan Realisasi RUPS Tahunan 2019 Decision and Realization of the 2019 Annual GMS
Persetujuan Laporan Tahunan Direksi mengenai keadaan dan Approval of the Annual Report of the Board of Directors regarding the
jalannya Perseroan termasuk Laporan Pelaksanaan Tugas condition and running of the Company, including the Report on the
Pengawasan Dewan Komisaris untuk Tahun Buku 2018 dan Implementation of the Board of Commissioners’ Supervisory Duties
pengesahan Laporan Keuangan Perseroan Tahun Buku 2018 for Fiscal Year 2018 and the ratification of the Company’s Financial
sekaligus pemberian pelepasan atau pembebasan tanggung Statements for the Fiscal Year 2018, as well as granting the release or
jawab sepenuhnya (acquit et de charge) kepada Direksi dan Dewan release of full responsibility (acquit et de charge) to the Directors and the
Komisaris atas tindakan pengurusan dan pengawasan yang telah Board of Commissioners for the management and supervision that has
dijalankan selama Tahun Buku 2018. been carried out during Fiscal Year 2018.
Jumlah Pemegang Saham yang mengajukan Pertanyaan dan/ Number of Shareholders who submit Questions and/or provide
atau memberikan pendapat: 3 (tiga) orang opinions: 3 (three) people
Keputusan: Decision:
1. Menyetujui Laporan Tahunan Direksi mengenai keadaan dan 1. Approved the Annual Report of the Board of Directors regarding the
jalannya Perseroan termasuk Laporan Pelaksanaan Tugas condition and running of the Company, including the Report on the
Implementation of the Supervisory Duties of the Board of Commissioners for
Pengawasan Dewan Komisaris untuk Tahun Buku 2018.
Fiscal Year 2018.
2. Mengesahkan Laporan Keuangan Perseroan untuk Tahun Buku
2. Ratify the Company’s Financial Statements for Fiscal Year 2018
2018 yang telah diaudit oleh Kantor Akuntan Publik Amir Abadi
that have been audited by Amir Abadi Jusuf, Aryanto, Mawar and
Jusuf, Aryanto, Mawar dan Rekan sesuai dengan laporan Nomor
Partners Public Accountant Firms in accordance with report Number
00336/2.1030/AU.1/07/0499-1/1/III/2019 tanggal 26 Maret 2019,
00336/2.1030/AU.1/07/0499-1/1/III/2019 dated March 26, 2019, with
dengan pendapat wajar dalam semua hal yang material sesuai
a fair opinion in all material respects in accordance with Indonesian
dengan Standar Akuntansi Keuangan di Indonesia.
Financial Accounting Standards.
3. Selanjutnya dengan disetujuinya Laporan Tahunan dan
3. Furthermore, with the approval of the Annual Report and the
disahkannya Laporan Keuangan Perseroan Konsolidasian untuk
ratification of the Consolidated Financial Statements for the 2018
Tahun Buku 2018 tersebut, maka Rapat memberikan pelepasan
Fiscal Year, the Meeting provides a complete release or acquit et de
atau pembebasan sepenuhnya dari tanggung jawab (acquit
charge to all members of the Board of Directors for management
et de charge) kepada seluruh anggota Direksi atas tindakan
actions and to all members of the Board of Commissioners for their
pengurusan dan kepada seluruh anggota Dewan Komisaris
actions. supervision that has been carried out during Fiscal Year 2018
atas tindakan pengawasan yang telah dijalankan selama Tahun
to the extent that such actions are reflected in the Company’s Financial
Buku 2018 sejauh tindakan tersebut tercermin dalam Laporan
Statements.
Keuangan Perseroan.
Keputusan: Decision:
Memberikan kuasa kepada Dewan Komisaris untuk: Granting power of attorney to the Board of Commissioners to:
1. Menunjuk Kantor Akuntan Publik untuk melakukan audit 1. Appoint a Public Accountant Firm to audit the Company’s Financial
Laporan Keuangan Perseroan Tahun Buku 2019. Statements for Fiscal Year 2019.
2. Menetapkan persyaratan lain serta besarnya jasa audit dengan 2. Establish other requirements and the amount of audit services by
memperhatikan kewajaran serta ruang lingkup pekerjaan audit. taking into account the fairness and scope of the audit work.
Dana Hasil Penawaran Umum Berkelanjutan I (PUB I) Obligasi dan Proceeds from Continuous Public Offering I (PUB I) Bonds and bank bjb
Obligasi Subordinasi bank bjb Tahap I Tahun 2017 tersebut telah Subordinated Bonds Phase I Year 2017 has been used entirely for loan
digunakan seluruhnya untuk ekspansi kredit. expansion.
dana yang diperoleh Perseroan pada saat penerbitan Penawaran Funds obtained by the Company at the time of issuance of Sustainable
Umum Berkelanjutan I (PUB I) Obligasi bank bjb Tahap II Tahun Public Offering I (PUB I) bank bjb bonds Phase II of 2018 is as follows:
2018 adalah sebagai berikut:
1. Ju m l a h d a n a h a s i l p e n a w a r a n u m u m s e b e s a r 1. The total proceeds from the public offering are Rp. 1,752,000,000,000
Rp1.752.000.000.000- (satu triliun tujuh ratus lima puluh dua (one trillion seven hundred fifty-two billion rupiah).
miliar rupiah).
2. Jumlah biaya emisi sesuai hasil audit sebesar Rp 2.838.240.000,- 2. The total emission costs according to the audit result is Rp
(dua miliar delapan ratus tiga puluh delapan juta dua ratus 2,838,240,000 (two billion eight hundred thirty eight million two
empat puluh ribu rupiah). hundred forty thousand rupiah).
3. Jumlah proceed netto sebesar Rp 1.749.161.760.000,- (satu 3. The net proceeds amounting to Rp 1,749,161,760,000 (one trillion
triliun tujuh ratus empat puluh sembilan miliar seratus enam seven hundred forty nine billion one hundred sixty one million seven
puluh satu juta tujuh ratus enam puluh ribu rupiah). hundred sixty thousand rupiah).
Dana Hasil Penawaran Umum dari penerbitan Penawaran Umum The proceeds from the Public Offering from the issuance of the
Berkelanjutan I (PUB I) Obligasi bank bjb Tahap II Tahun 2018 Sustainable Public Offering I (PUB I) of the 2018 bank bjb bonds have
tersebut telah digunakan seluruhnya untuk ekspansi kredit. been used entirely for loan expansion.
Jumlah Pemegang Saham yang mengajukan Pertanyaan dan/ Number of Shareholders who submit Questions and/or provide
atau memberikan pendapat: 2 (dua) orang opinions: 2 (two) people
Keputusan: Decision:
1. Menyetujui Rencana Aksi (Recovery Plan) Perseroan 1. Approved the Company’s Recovery Plan as stated in the Recovery
sebagaimana dokumen Rencana Aksi (Recovery Plan) yang telah Plan document submitted to the Financial Services Authority on
disampaikan kepada Otoritas Jasa Keuangan pada tanggal 28 28 September 2018 in order to comply with the Financial Services
September 2018 dalam rangka memenuhi ketentuan Peraturan Authority Regulation No. 14/POJK.03/2017 dated 4 April 2017
Otoritas Jasa Keuangan No 14/POJK.03/2017 tanggal 4 April concerning the Recovery Plan for Systemic Banks.
2017 tentang Rencana Aksi (Recovery Plan) bagi Bank Sistemik.
2. Memberikan wewenang dan kuasa kepada Dewan Komisaris 2. Give authority and power to the Board of Commissioners and/or
dan/atau Direksi untuk menjalankan seluruh tindakan yang Directors to carry out all necessary actions in implementing the Action
diperlukan dalam melaksanakan Rencana Aksi (Recovery Plan) Plan (Recovery Plan) in accordance with applicable regulations.
sesuai ketentuan yang berlaku.
Direktur Utama : Bapak Yuddy Renaldi* President Director : Mr. Yuddy Renaldi*
Direktur Operasional : Bapak Tedi Setiawan* Ddirector of Operations : Mr. Tedi Setiawan*
Direktur Komersial & : Bapak Beny Riswandi* Commercial & MSME : Mr. Beny Riswandi*
UMKM Director
Direktur Information : Bapak Rio Lanasier* Director of Information : Mr. Rio Lanasier*
Technology, Treasury & Technology, Treasury &
International Banking International Banking
Direktur Keuangan & : Ibu Nia Kania Director of Finance & Risk : Mrs. Nia Kania
Manajemen Risiko Management
Direktur Konsumer & Ritel : Ibu Suartini Consumer & Retail Director : Mrs. Suartini
Direktur Kepatuhan : Bapak Agus Mulyana Compliance Director : Mr. Agus Mulyana
*berlaku efektif sejak persetujuan dari Otoritas Jasa Keuangan berkenaan dengan pemenuhan Fit and *effective since the approval of the Financial Services Authority regarding the fulfilment of the Fit and
Proper Test dan sejak perubahan Anggaran Dasar sebagaimana hasil keputusan Agenda 6 (enam) Proper Test and since the amendment to the Articles of Association as a result of the 6 (six) Agenda
telah diterima pemberitahuannya sesuai dengan ketentuan pasal 23 ayat 3 Undang – Undang No.40 decision has been received in accordance with the provisions of article 23 paragraph 3 of Law No.40
Tahun 2007. of 2007.
5. Memberikan wewenang dan kuasa kepada Direksi dengan hak 5. Grant authority and power to the Board of Directors with the right of
substitusi untuk melakukan segala tindakan yang diperlukan substitution to take all necessary actions related to the decision of the
berkaitan dengan keputusan mata acara Rapat ini dan selanjutnya agenda of this Meeting and subsequently notify and/or report to the
memberitahukan dan/atau melaporkan kepada instansi yang competent authority and subsequently do everything deemed necessary and
berwenang dan selanjutnya melakukan segala sesuatu yang dipandang useful for the purpose by not none are excluded.
perlu dan berguna untuk keperluan tersebut dengan tidak ada satu pun
yang dikecualikan.
Pelaksanaan RUPS Tahunan 2018 dan 2018 Annual GMS and Its Realization
Realisasinya
Tahapan pelaksanaan RUPS Tahunan 2018 The stages of the 2018 Annual GMS are explained
dijelaskan dalam tabel berikut. in the following table.
Rekapitulasi Kehadiran Pada RUPS Tahunan Attendance Recapitulation At The 2018 A Annual
2018 GMS
RUPS Tahunan 2018 yang dihadiri oleh Annual GMS 2018 attended by the Board of
Dewan Komisaris dan Direksi Perseroan serta Commissioners and Directors of the Company
kehadiran lembaga/profesi penunjang pasar and the presence of capital market supporting
modal. Berdasarkan Akta No.104 Risalah RUPS institutions/professions. Based on Deed No.104
Tahunan 2018 berikut rekapitulasi kehadiran of the Minutes of the 2018 Annual GMS following the
lembaga/profesi penunjang pasar modal dalam recapitulation of the presence of capital market
RUPS Tahunan 2018: supporting institutions/professions in the 2018 Annual GMS:
1. Raden Tendy Suwarman, Sarjana Hukum, 1. Raden Tendy Suwarman, Law Scholar, Notary
Notaris di Kota Bandung yang akan in Bandung City who will make Minutes of the
membuat Risalah Rapat Umum Pemegang Annual General Meeting of Shareholders.
Saham Tahunan.
2. Kantor Akuntan Publik Purwantono, 2. Purwantono, Suherman and Surja Public
Suherman dan Surja yang telah melakukan Accountant Firms that have audited the
Audit Laporan Keuangan Perseroan untuk Company’s Financial Statements for Fiscal
Tahun Buku 2017 (dua ribu tujuh belas) Year 2017 (two thousand seventeen) which in
yang dalam hal ini diwakili oleh Bapak this case were represented by Mr. Muhammad
Muhammad Kurniawan, Mohamad Yunus Kurniawan, Mohamad Yunus Sabar, and Ms.
Sabar, dan Ibu Niar Yaniarti. Niar Yaniarti.
3. Biro Administrasi Efek Perseroan yaitu 3. The Company’s Securities Administration Bureau,
Perseroan Terbatas PT Datindo Entrycom namely the Limited Liability Company PT Datindo
yang diwakili oleh Ibu Esther Agung Setiawati. Entrycom, represented by Ms. Esther Agung Setiawati.
4. Konsultan Hukum Perseroan, yaitu: 4. Company Legal Consultants, namely:
-- Bapak Dindin S. Maolani, Sarjana Hukum -- Mr. Dindin S. Maolani, Bachelor of Laws
-- Ibu Etza Imelda Fitri, Sarjana Hukum, -- Mrs. Etza Imelda Fitri, Bachelor of Laws,
Magister Hukum. Master of Laws.
Dewan Komisaris dan Direksi yang yang hadir The Board of Commissioners and Directors who
dalam RUPS Tahunan 2018 adalah sebagai attended the 2018 Annual GMS are as follows.
berikut.
Nama Jabatan Kehadiran
No.
Name Position Attendance
1. Klemi Subiyantoro Komisaris Utama Independen Hadir | Present
Independent President Commissioner
2. Muhadi Komisaris Hadir | Present
Commissioner
3. Rudhyanto Mooduto Komisaris Independen Hadir | Present
Independent Commissioner
4. Yayat Sutaryat Komisaris Independen Hadir | Present
Independent Commissioner
5. Suwarta Komisaris Independen Hadir | Present
Independent Commissioner
6. Ahmad Irfan Direktur Utama Hadir | Present
President Director
7. Nia Kania Direktur Hadir | Present
Director
8. Agus Mulyana Direktur Hadir | Present
Director
9. Suartini Direktur Hadir | Present
Director
Keputusan dan Realisasi RUPS Tahunan 2018 Decision and Realization of The 2018 Annual GMS
Jumlah Pemegang Saham yang mengajukan Pertanyaan dan/ Number of Shareholders who submit Questions and/or provide
atau memberikan pendapat: - opinions:-
Keputusan: Decision:
Memberikan kuasa kepada Dewan Komisaris untuk: Granting power of attorney to the Board of Commissioners to:
1. Menunjuk Kantor Akuntan Publik untuk melakukan audit 1. Appoint a Public Accountant Firm to audit the Company’s Financial
Laporan Keuangan Perseroan Tahun Buku 2018. Statements for Fiscal Year 2018.
2. Menetapkan persyaratan lain serta besarnya jasa audit dengan 2. Establish other requirements and the amount of audit services by
memperhatikan kewajaran serta ruang lingkup pekerjaan audit. taking into account the fairness and scope of the audit work.
Jumlah Pemegang Saham yang mengajukan Pertanyaan dan/ Number of Shareholders who submit Questions and/or provide
atau memberikan pendapat: - opinions:
Keputusan: Decision:
Dana yang diperoleh perseroan pada saat penerbitan Obligasi The funds obtained by the company at the time of the issuance of
Berkelanjutan I dan Obligasi Subordinasi Berkelanjutan I tahun Sustainable Bond I and Sustainable Subordinated Bond I in 2017 are:
2017 adalah:
1. Jumlah dana hasil Penawaran Umum sebesar 1. The total proceeds of the Public Offering amount to Rp
Rp2.500.000.000.000,00 2,500,000,000,000.00
2. Jumlah biaya emisi sesuai hasil audit sebesar 2. The amount of issuance costs according to the audit results is Rp
Rp4.050.000.000,00 4,050,000,000.00
3. Jumlah proceed netto sebesar Rp2.495.950.000.000,00 3. The net proceeds amounting to Rp 2,495,950,000,000.00
Dari perolehan dana tersebut sampai dengan tanggal 31 From the acquisition of these funds up to 31 December 2017, funds from
Desember 2017 telah digunakan dana hasil penawaran the public offering amounting to Rp 2,194,800,000,000.00 (two trillion
umum sebesar Rp2.194.800.000.000,00 (dua triliun seratus one hundred ninety four billion eight hundred million rupiah) have been
sembilan puluh empat miliar delapan ratus juta rupiah) untuk used for credit expansion. Thus, there are funds remaining in the amount
ekspansi kredit. Dengan demikian terdapat sisa dana sebesar of Rp 301,150,000,000.00 (three hundred one billion one hundred fifty
Rp301.150.000.000,00 (tiga ratus satu miliar seratus lima puluh million rupiah) and will be used for loan expansion in 2018.
juta rupiah) dan akan dipergunakan untuk ekspansi kredit di tahun
2018.
Jumlah Pemegang Saham yang mengajukan Pertanyaan dan/ Number of Shareholders who submit Questions and/or provide
atau memberikan pendapat: - opinions: -
Keputusan: Decision:
Menyetujui perubahan struktur Direksi Menjadi: Approved the change in the structure of the Board of Directors to:
1. Direktur Utama 1. President Director
2. Direktur Konsumer dan Ritel 2. Consumer and Retail Director
3. Direktur Komersial dan UMKM 3. Commercial and MSME Director
4. Direktur Operasional 4. Director of Operations
5. Direktur Keuangan 5. Director of Finance
6. Direktur Kepatuhan dan Manajemen Risiko 6. Director of Compliance and Risk Management
Jumlah Pemegang Saham yang mengajukan Pertanyaan dan/ Number of Shareholders who submit Questions and/or provide
atau memberikan pendapat: - opinions: -
Keputusan: Decision:
1. Memberhentikan dengan hormat Sdr. Benny Santoso selaku 1. Respectfully dismiss Br. Benny Santoso as Director of the Company.
Direktur Perseroan.
2. Memberhentikan dengan hormat dan mengangkat kembali 2. Respect respectfully and reappoint the existing Directors, namely:
Direksi eksisting yaitu:
-- Sdr. Ahmad Irfan sebagai Direktur Utama -- Ahmad Irfan as President Director
-- Sdr. Agus Gunawan sebagai Direktur -- Agus Gunawan as Director
-- Sdri. Fermiyanti sebagai Direktur -- Ms. Fermiyanti as Director
-- Sdri. Nia Kania sebagai Direktur -- Ms. Nia Kania as Director
-- Sdri. Suartini sebagai Direktur -- Ms. Suartini as Director
efektif setelah ditutupnya RUPS ini, sehingga susunan Direksi effective after the closing of the GMs, so the composition of the Board
menjadi sebagai berikut: of Directors is as follows:
-- Sdr. Ahmad Irfan sebagai Direktur Utama -- Ahmad Irfan as President Director
-- Sdr. Agus Gunawan sebagai Direktur -- Agus Gunawan as Director
-- Sdri. Fermiyanti sebagai Direktur -- Ms. Fermiyanti as Director
-- Sdri. Nia Kania sebagai Direktur -- Ms. Nia Kania as Director
-- Sdri. Suartini sebagai Direktur -- Ms. Suartini as Director
-- Sdr. Agus Mulyana sebagai Direktur Kepatuhan dan -- Agus Mulyana as Director of Compliance and Risk Management
Manajemen Risiko
3. Memberikan wewenang dan kuasa kepada Direktur Utama untuk 3. Grant authority and power to the President Director to determine
menetapkan pembagian bidang kerja Direksi dengan melaporkan the division of work of the Board of Directors by reporting the
hasil keputusan tersebutå kepada Dewan Komisaris. results of the decision to the Board of Commissioners.
4. Selanjutnya rapat memberikan kuasa kepada Direksi Perseroan 4. The meeting further authorizes the Company’s Board of Directors
untuk menyatakan hasil keputusan rapat ini dalam akta to state the results of the meeting’s decision in the statement of the
pernyataan keputusan rapat di hadapan Notaris dan untuk meeting’s statement before the Notary Public and to report it to the
selanjutnya melaporkannya kepada Kementerian Hukum dan Ministry of Law and Human Rights of the Republic of Indonesia.
HAM Republik Indonesia.
Pelaksanaan RUPS Luar Biasa Tahun 2018 dan Extraordinary GMS of 2018 and Its Realization
Realisasinya
Tahapan pelaksanaan RUPS Luar Biasa Tahun The stages of the 2018 Extraordinary GMS are
2018 dijelaskan dalam tabel berikut ini. explained in the following table.
Pemberitahuan Pengumuman Pemanggilan Pelaksanaan Ringkasan Risalah Hasil RUPS
Information Announcement Invitation Implementation Summary of Minutes AGM Results
Diberitahukan pada Diumumkan pada Diumumkan pada RUPS tahunan Ringkasan Risalah Diumumkan pada
tanggal 26 Oktober tanggal 2 tanggal 19 dilaksanakan pada RPUS Tahunan tanggal 13 Desember
2018 kepada OJK. November November Selasa, 11Desember diumumkan tanggal 2018 melalui Harian
Notified on October, 2018, melalui 2018, melalui 2018 pada pukul 13 Desember 2018 Umum Bisnis
26th 2018 to OJK. Harian Umum Harian Umum 11.18 s/d 15.11 melalui Harian Umum Indonesia dan Harian
Bisnis Indonesia, Bisnis Indonesia WIB, bertempat di Bisnis Indonesia dan Umum Tempo.
Harian Jabar dan Harian Ballroom Aryaduta Harian Umum Tempo. Announced on
Ekspres, dan Umum Tempo. Hotel Jl. Jl. Sumatera Summary of Minutes December 13, 2018
Harian Umum Announced on No. 51 Bandung. Annual RPUS through the Daily of
Radar Banten. November 19th Annual GMS announced date Business Indonesia and
Announced on 2018, through the held on Tuesday, December 13, 2018 Tempo.
November 2 2018, Daily of Business December 11, 2018 through the Daily of
through Bisnis Indonesia and from 11.18 to 15.11 Business Indonesia and
Indonesia Daily Tempo. WIB, at the Ballroom Tempo.
(newspaper), Aryaduta Hotel Jl.
Jabar EkspresDaily, Sumatra No. 51
and Radar Banten Bandung.
Daily.
RUPS Luar Biasa Tahun 2018 yang dihadiri oleh Extraordinary GMS 2018 attended by the Board of
Dewan Komisaris dan Direksi Perseroan serta Commissioners and Directors of the Company as
kehadiran lembaga/profesi penunjang pasar well as the presence of capital market supporting
modal. Berdasarkan Akta No.85 Risalah RUPS institutions/professions. Based on Deed No.85
Luar Biasa Tahun 2018 berikut rekapitulasi Minutes of Extraordinary GMS 2018, the following
kehadiran lembaga/profesi penunjang pasar is the recapitulation of the presence of capital
modal dalam RUPS Luar Biasa Tahun 2018: market supporting institutions/professions in the
1. Raden Tendy Suwarman, Sarjana Hukum, External GMS Ordinary Year 2018:
Notaris di Kota Bandung yang akan 1. Raden Tendy Suwarman, Law Scholar, Notary
membuat Risalah Rapat Umum Pemegang in Bandung City who will make Minutes of the
Saham Tahunan. Annual General Meeting of Shareholders.
2. Biro Administrasi Efek Perseroan yaitu 2. The Company’s Securities Administration Bureau,
Perseroan Terbatas PT Datindo Entrycom namely the Limited Liability Company PT Datindo
yang diwakili oleh Ibu Esther Agung Setiawati. Entrycom, represented by Ms. Esther Agung Setiawati.
3. Konsultan Hukum Perseroan, yaitu: 3. The Company’s Legal Consultants, namely:
- Bapak Dindin S. Maolani, Sarjana Hukum -- Mr. Dindin S. Maolani, Bachelor of Laws
- Ibu Etza Imelda Fitri, Sarjana Hukum, -- Mrs. Etza Imelda Fitri, Bachelor of Laws,
Magister Hukum. Master of Laws.
Dewan Komisaris dan Direksi yang yang hadir The Board of Commissioners and Directors present
dalam RUPS Luar Biasa adalah sebagai berikut. at the Extraordinary GMS are as follows.
Rekapitulasi Kehadiran Pada RUPS Luar Decision and Realization of Extraordinary AGM
Biasa Tahun 2018 2018
Jumlah Pemegang Saham yang mengajukan Pertanyaan dan/ Number of Shareholders who submit Questions and/or provide
atau memberikan pendapat: 7 (tujuh) orang opinions: 7 (seven) people
Keputusan: Decision:
1. Memberhentikan dengan hormat Bapak Agus Gunawan selaku 1. Respectfully dismiss Mr. Agus Gunawan as Director of the Company as
Direktur Perseroan terhitung sejak tanggal 10 November 2018, of November 10, 2018, and express his gratitude for the contribution
dan mengucapkan terima kasih atas sumbangan tenaga dan of energy and thought given while serving as Director of the Company.
pikiran yang diberikan selama menjabat sebagai Direktur
Perseroan.
2. Memberhentikan dengan hormat Bapak Ahmad Irfan dari 2. Respectfully dismiss Mr. Ahmad Irfan from his position as President
jabatannya selaku Direktur Utama Perseroan terhitung sejak Director of the Company as of the closing of this Meeting, and express
ditutupnya Rapat ini, dan mengucapkan terima kasih atas his gratitude for the contribution of energy and thought given during
sumbangan tenaga dan pikiran yang diberikan selama menjabat his tenure as President Director of the Company.
sebagai Direktur Utama Perseroan.
3. Memberhentikan dengan hormat anggota Dewan Komisaris 3. Respectfully dismiss members of the Company’s Board of
Perseroan sebagai berikut: Commissioners as follows:
-- Bapak Klemi Subiyantoro dari jabatannya selaku Komisaris -- Mr. Klemi Subiyantoro from his position as Independent President
Utama Independen. Commissioner.
-- Bapak Rudhyanto Mooduto dari jabatannya selaku Komisaris -- Mr. Rudhyanto Mooduto from his position as Independent
Independen. Commissioner.
-- Bapak Suwarta dari jabatannya selaku Komisaris Independen. -- Mr Suwarta from his position as Independent Commissioner.
terhitung sejak ditutupnya Rapat ini, dan mengucapkan terima as of the closing of this Meeting, and expressing gratitude for the
kasih atas sumbangan tenaga dan pikiran yang diberikan contribution of energy and thought given while serving as a member
selama menjabat sebagai anggota Dewan Komisaris Perseroan. of the Company’s Board of Commissioners.
4. Tugas dan Tanggung Jawab Direktur Utama dirangkap 4. Duties and Responsibilities of the President Director are temporarily
sementara oleh Direktur Kepatuhan dan Manajemen Risiko. held by the Director of Compliance and Risk Management.
5. Tugas dan Tanggung Jawab Direktur Komersial dan UMKM 5. Duties and Responsibilities of Commercial and MSME Directors are
dirangkap sementara oleh Direktur Konsumer dan Ritel. temporarily concurrently held by the Director of Consumer and Retail.
6. Memberikan kuasa dan wewenang kepada Direksi dengan hak 6. Grant power and authority to the Board of Directors with the
subtitusi untuk melakukan segala tindakan yang diperlukan substitution right to take all necessary actions related to the decisions
berkaitan dengan keputusan mata acara Rapat ini dan of the agenda of this Meeting and subsequently notify and/or report
selanjutnya memberitahukan dan/atau melaporkan kepada to the competent authority and subsequently do everything deemed
instansi yang berwenang dan selanjutnya melakukan segala necessary and useful for the purpose by not none are excluded.
sesuatu yang dipandang perlu dan berguna untuk keperluan
tersebut dengan tidak ada satu pun yang dikecualikan.
Dengan demikian sejak ditutupnya RUPS Luar Biasa ini susunan Therefore, since the closing of this Extraordinary GMS, the composition of
Pengurus Perseroan adalah sebagai berikut: the Company’s Management is as follows:
Jumlah Pemegang Saham yang mengajukan Pertanyaan dan/ Number of Shareholders who submit Questions and/or provide
atau memberikan pendapat: 4 (empat) orang opinions: 4 (four) people
Dalam menjalankan kegiatannya Dewan In carrying out its activities the Board of
Komisaris memerlukan suatu pedoman dan Commissioners requires a work guideline and
tata tertib kerja agar tujuan tersebut dapat code of conduct so that these objectives can be
dicapai secara efektif dan efisien. Pedoman dan achieved effectively and efficiently. The Board of
tata tertib kerja Dewan Komisaris ini diharapkan Commissioners’ guidelines and work procedures
dapat menjadi panduan Dewan Komisaris are expected to be a guide for the Board of
dalam melaksanakan tugas dan wewenangnya, Commissioners in carrying out their duties and
yaitu pengawasan Bank yang didasari pada authorities, namely bank supervision based on the
prinsip Tata Kelola yang baik (Good Corporate principles of Good Corporate Governance.
Governance).
Tugas dan Tanggung Jawab Dewan Komisaris Duties and Responsibilities of The Board of
Commissioners
Dewan Komisaris bertugas untuk The Board of Commissioners has the duty to
menyelenggarakan pengawasan terhadap supervise management policies, generally the
kebijakan pengurusan, jalannya pengurusan management of the Company and the Company’s
pada umumnya baik mengenai Perseroan business. In carrying out its duties, the Board of
maupun usaha Perseroan. Dalam melaksanakan Commissioners acts independently in accordance
tugasnya, Dewan Komisaris bertindak secara with the provisions in the Company’s Articles of
independen sesuai dengan ketentuan di dalam Association and the resolutions of the GMS in good
Anggaran Dasar Perseroan serta keputusan faith, full of responsibility and prudence.
RUPS dengan itikad baik, penuh tanggung jawab
dan kehati-hatian.
Tanggung jawab Dewan Komisaris yang telah The responsibilities of the Board of Commissioners
diatur dalam Pedoman dan Tata Tertib Kerja that have been set out in the Board of Commissioners
Dewan Komisaris yaitu: Charter are:
1. Dewan Komisaris wajib melaksanakan tugas 1. The Board of Commissioners must carry out
dan tanggung jawab secara independen. their duties and responsibilities independently.
2. Dewan Komisaris wajib memastikan 2. The Board of Commissioners must ensure
penerapan tata kelola yang baik the application of good governance in all
terselenggara dalam setiap kegiatan usaha bank business activities at all levels of the
bank pada seluruh tingkatan atau jenjang organization.
organisasi.
3. Dewan Komisaris wajib melaksanakan 3. The Board of Commissioners must exercise
pengawasan terhadap pelaksanaan supervision over the implementation of the
tugas dan tanggung jawab Direksi serta duties and responsibilities of the Directors and
memberikan nasihat kepada Direksi. provide advice to the Directors.
4. Dalam melaksanakan pengawasan tersebut, 4. In carrying out the supervision, the Board of
Dewan Komisaris wajib mengarahkan, Commissioners must direct, monitor and
memantau dan mengevaluasi pelaksanaan evaluate the implementation of the Bank’s
kebijakan strategis Bank oleh Direksi. strategic policies by the Directors.
5. Dewan Komisaris dilarang ikut serta 5. The Board of Commissioners is prohibited
dalam pengambilan keputusan kegiatan from participating in making decisions on
operasional bank, kecuali: bank operations, except:
a. Penyediaan dana kepada pihak terkait a. Provision of funds to related parties as
sebagaimana diatur dalam ketentuan stipulated in the provisions concerning the
mengenai batas maksimum pemberian maximum lending limit for commercial
kredit bank umum; dan banks; and
b. Hal – hal lain yang ditetapkan dalam b. Other matters stipulated in the Bank’s articles
anggaran dasar Bank atau peraturan of association or laws and regulations.
perundang – undangan.
c. Pengambilan keputusan kegiatan c. The decision making of the Bank’s
operasional Bank oleh Dewan Komisaris operational activities by the Board of
tersebut, merupakan bagian dari tugas Commissioners is part of the supervisory
pengawasan oleh Dewan Komisaris duties of the Board of Commissioners so that
sehingga tidak meniadakan tanggung it does not eliminate the responsibility of the
jawab Direksi atas pelaksanaan Board of Directors for the management of
kepengurusan Bank. the Bank.
6. Dewan Komisaris wajib memastikan bahwa 6. The Board of Commissioners must ensure that the
Direksi telah menindaklanjuti temuan audit Board of Directors has followed up on audit findings
dan rekomendasi dari satuan kerja audit and recommendations from the Bank’s internal
intern Bank, audit ekstern, hasil pengawasan audit work unit, external audit, the results of the
Otoritas Jasa Keuangan dan/atau hasil supervision of the Financial Services Authority and/or
pengawasan otoritas lain. the results of supervision of other authorities.
7. Dewan Komisaris melakukan tugas, 7. The Board of Commissioners carries out
tanggung jawab, dan wewenang sesuai its duties, responsibilities, and authorities
dengan ketentuan Anggaran Dasar in accordance with the provisions of the
Perseroan, Keputusan RUPS serta Peraturan Company’s Articles of Association, GMS Decrees
Perundang-undangan yang berlaku, and the prevailing laws and regulations,
diantaranya: including:
a. Menyusun dan melakukan evaluasi a. Prepare and conduct periodic evaluations
berkala atas Pedoman dan Tata Tertib of the Board of Commissioners Charter
kerja Dewan Komisaris yang bersifat which are binding for each member of the
mengikat bagi setiap anggota Dewan Board of Commissioners
Komisaris.
b. Mengevaluasi dan menyetujui Rencana b. Evaluate and approve the Bank’s Business
Bisnis Bank (RBB) Plan (RBB)
Berdasarkan keputusan RUPS, Dewan Based on the GMS decision, the Board
Komisaris menunjuk Kantor Akuntan of Commissioners appoints a Public
Publik atas rekomendasi Komite Audit Accountant office on the recommendation
untuk melakukan audit atas laporan of the Audit Committee to conduct an audit
keuangan Perseroan. of the Company’s financial statements.
8. Dewan Komisaris wajib membentuk Komite 8. The Board of Commissioners must establish
– komite dan memastikan bahwa Komite Committees and ensure that the Committee has
tersebut telah menjalankan tugasnya carried out its duties effectively in accordance
secara efektif sesuai dengan peraturan with applicable laws and regulations.
perundangan yang berlaku.
9. Mengkaji dan menyetujui kebijakan- 9. Review and approve policies which according
kebijakan yang menurut peraturan to the applicable laws and regulations require
perundangan yang berlaku wajib approval from the Board of Commissioners.
memerlukan persetujuan Dewan Komisaris.
10. Mengkaji pertanggungjawaban Direksi atas 10. Review the responsibilities of the Board of
pelaksanaan kebijakan-kebijakan yang telah Directors for the implementation of agreed
disetujui. policies.
11. Membuat laporan tentang tugas 11. Make a report on the supervisory tasks that
pengawasan yang telah dilakukan selama have been carried out during the new financial
tahun buku yang baru lampau untuk year to be submitted to the GMS.
disampaikan kepada RUPS.
12. Mengevaluasi laporan tahunan yang 12. Evaluate the annual report prepared by the
dipersiapkan oleh Direksi serta Directors and sign the report. An annual report
menandatangani laporan tersebut. review is conducted prior to the GMS.
Penelaahan laporan tahunan dilakukan
sebelum pelaksanaan RUPS.
13. Dewan Komisaris wajib melaporkan kepada 13. The Board of Commissioners must report to
Otoritas Jasa Keuangan paling lambat 7 the Financial Services Authority no later than
(tujuh) hari kerja semenjak ditemukannya: 7 (seven) working days since the discovery of:
a. Pelanggaran peraturan perundang- a. Violations of laws and regulations in the
undangan di bidang keuangan dan financial and banking sector; and
perbankan; dan
b. Keadaan atau perkiraan keadaan yang b. Circumstances or estimates of conditions
dapat membahayakan kelangsungan that could endanger the business continuity
usaha Bank, yang didasarkan pada of the Bank, based on the findings or
mempunyai seorangpun anggota Direksi, member of the Board of Directors, the Board of
maka untuk sementara Dewan Komisaris Commissioners is temporarily required to take
diwajibkan mengurus Bank. Dalam hal care of the Bank. In such case, the Board of
demikian, Dewan Komisaris berhak untuk Commissioners has the right to give temporary
memberikan kekuasaan sementara kepada authority to one or more of them on their joint
seorang atau lebih di antara mereka atas responsibility.
tanggungan mereka bersama.
11. Dalam hal jumlah anggota Dewan Komisaris 11. In the event that the number of members of
kurang dari 3 (tiga) orang dan/atau terjadi the Board of Commissioners is less than 3
kekosongan Komisaris Utama, maka (three) people and/or there is a vacancy of
segala tugas dan wewenang tidak dapat the President Commissioner, all tasks and
dilakukan secara sendiri – sendiri melainkan authorities cannot be carried out individually
berdasarkan keputusan Dewan Komisaris, but based on the decision of the Board of
sampai dengan terpenuhinya komposisi Commissioners, until the composition of the
keanggotaan Dewan Komisaris sesuai Board of Commissioners’ membership is
dengan ketentuan yang berlaku. fulfilled in accordance with applicable provision.
Dewan Komisaris mempunyai hak untuk: The Board of Commissioners has the right to:
1. Mendapatkan gaji, tunjangan serta fasilitas 1. Obtain salary, benefits and facilities whose
yang jumlahnya ditetapkan oleh RUPS amount is determined by the GMS with due
dengan memperhatikan ketentuan yang regard to the applicable provisions.
berlaku.
2. Mendapatkan informasi mengenai 2. Obtain information about the Company in a
Perusahaan secara tepat waktu dan lengkap. timely and complete manner.
Keputusan yang Perlu Mendapat Persetujuan Decision That Needs To Agree To The Board of
Dewan Komisaris Commissioners
Keputusan yang perlu mendapatkan Decisions that need to be approved by the Board of
persetujuan Dewan Komisaris, antara lain: Commissioners include:
1. Mengadakan perjanjian atau kerjasama 1. Enter into agreements or cooperation with
dengan Badan Usaha atau pihak lain, business entities or other parties, in the form
dalam bentuk kerjasama operasi, kontrak of joint operations, management contracts,
manajemen, kerjasama lisensi, Bangun licensing cooperation, Build, Operate and
Guna Serah (Built, Operate and Trasfer/BOT), Transfer (BOT), Build, Operate and Own (BOO)
Bangun Guna Miliki (Built, Operate and Own/ and other agreements that have the same
BOW) dan perjanjian-perjanjian lain yang nature.
mempunyai sifat yang sama.
2. Mengambil bagian atau ikut serta 2. Taking part or participating in a Bank or
dalam Bank atau badan-badan lain atau other bodies or running a new company that
menyelenggarakan perusahaan baru yang is not in the context of saving receivables, in
tidak dalam rangka penyelamatan piutang, accordance with applicable regulations.
sesuai dengan ketentuan yang berlaku.
3. Melepas atau menjual serta menghapus 3. Releasing or selling and removing fixed assets
aktiva tetap (fixed asset) maupun inventaris or inventory owned by the Bank with the
milik Bank dengan mendapat persetujuan approval of the GMS and Extraordinary GMS.
RUPS maupun RUPS Luar Biasa.
memiliki ¾ (tiga per empat) dari jumlah with valid voting rights approved by ¾ (three
seluruh Saham dengan hak suara yang quarters) of the total votes cast legally at the
sah dan disetujui oleh ¾ (tiga per empat) meeting.
dari jumlah seluruh suara yang dikeluarkan
secara sah dalam rapat.
10. Mengalihkan atau menjadikan sebagai 10. Transfer or use as collateral for debt or release
jaminan utang atau melepaskan hak atas the right to assets of the Bank which must
kekayaan Bank yang wajib diumumkan be announced in 2 (two) daily Indonesian-
dalam 2 (dua) surat kabar harian berbahasa language newspapers circulating at the Bank’s
Indonesia yang beredar di tempat domicile no later than 30 (thirty) days after the
kedudukan Bank paling lambat 30 (tiga said activity.
puluh) hari terhitung sejak dilakukannya
kegiatan tersebut.
11. Persetujuan dalam hal nilai investasi/ 11. Approval in terms of investment/divestment
divestasi yang akan dilakukan oleh Bank value to be carried out by the Bank is material
adalah material bagi Bank. for the Bank.
Masa jabatan anggota Dewan Komisaris The term of office of the members of the Board
terhitung sejak tanggal ditetapkan dalam RUPS of Commissioners counts from the date specified
pengangkatannya dan berakhir pada penutupan in the appointment GMS and ends at the close
RUPS Tahunan yang ke-5 (lima) setelah tanggal of the 5th (fifth) Annual GMS after the date of his
pengangkatannya, kecuali apabila ditentukan appointment, unless otherwise specified in the GMS
lain dalam RUPS dan dapat diangkat kembali. and can be reappointed. 1 (one) term of office for
1 (satu) periode masa jabatan anggota Dewan members of the Board of Commissioners is 5 (five)
Komisaris adalah 5 (lima) tahun atau sampai years or until the closing of the annual GMS at the
dengan penutupan RUPS tahunan pada akhir 1 end of the 1 (one) term of office.
(satu) periode masa jabatan dimaksud.
Independen yang telah menjabat selama 2 (dua) Independent Commissioners who have served
periode masa jabatan berturut – turut dapat for 2 (two) consecutive terms of office may be
diangkat kembali pada periode selanjutnya reappointed in the next period as Independent
sebagai Komisaris Independen dalam hal: Commissioners in terms of:
a. Rapat anggota Dewan Komisaris menilai a. The meeting of the members of the Board of
bahwa Komisaris Independen tetap dapat Commissioners considered that the Independent
bertindak independen; dan Komisaris Commissioners could still act independently; and
b. Komisaris Independen menyatakan dalam b. The Independent Commissioner stated in the
RUPS mengenai independensi yang GMS regarding the independency concerned.
bersangkutan. Pernyataan independensi The statement of independence must be
tersebut wajib diungkapkan dalam laporan disclosed in the report on the implementation
pelaksanaan tata kelola of governance
3. Setia dan taat kepada Negara dan 3. Loyal and obedient to the State and
Pemerintah Republik Indonesia. Government of the Republic of Indonesia.
4. Tidak terlibat secara langsung maupun tidak 4. Not involved directly or indirectly in betrayal
langsung dalam kegiatan penghianatan activities to the Republic of Indonesia.
kepada Negara Republik Indonesia.
5. Sehat jasmani dan rohani. 5. Physically and mentally healthy.
6. Tidak pernah dihukum karena melakukan 6. Never been convicted of a criminal offense
tindak pidana yang merugikan keuangan that is detrimental to the country’s finances or
negara atau tindakan-tindakan yang tercela disgraceful actions in the banking sector.
di bidang perbankan.
7. Tidak dicabut hak pilihnya berdasarkan 7. No voting rights are revoked based on a court
keputusan pengadilan. decision.
8. Mampu melaksanakan perbuatan hukum. 8. Able to carry out legal actions.
9. Tidak pernah dinyatakan pailit atau 9. Have never been declared bankrupt or been
menjadi anggota Direksi dan anggota a member of the Board of Directors and
Dewan Komisaris yang dinyatakan bersalah members of the Board of Commissioners who
menyebabkan suatu Perseroan dinyatakan were found guilty of causing a Company to be
pailit. declared bankrupt.
10. Telah lulus penilaian kemampuan dan 10. Has passed the fit and proper test based on
kepatutan (fit and proper test) berdasarkan applicable regulations.
ketentuan yang berlaku.
Proses Nominasi dan Pemilihan Dewan Nomination Process and Election of Board of
Komisaris Commissioners
Para anggota Dewan Komisaris diangkat dan The members of the Board of Commissioners are
diberhentikan oleh RUPS. Calon anggota appointed and dismissed by the GMS. Prospective
Dewan Komisaris terlebih dahulu dipilih oleh members of the Board of Commissioners are
Komite Nominasi dan Remunerasi berdasarkan first selected by the Nomination and Remuneration
persyaratan anggota Komisaris yang sesuai Committee based on the requirements of the members
dengan Anggaran Dasar serta ketentuan yang of the Commissioners in accordance with the Articles of
berlaku. Calon anggota Dewan Komisaris yang Association and applicable provisions. Prospective
diajukan dalam RUPS harus diusulkan oleh members of the Board of Commissioners submitted at
Pemegang Saham Seri A. the GMS must be proposed by the Series A Shareholders.
RUPS dapat mengangkat Dewan Komisaris The GMS can appoint the Board of Commissioners
dan dinyatakan efektif setelah lulus penilaian and be effective after passing the fit and proper
kemampuan dan kepatutan dari OJK sesuai test from the OJK in accordance with applicable
ketentuan yang berlaku. Dalam hal calon regulations. In the event that a candidate member
anggota Dewan Komisaris yang telah diangkat of the Board of Commissioners who has been
oleh RUPS namun belum dinyatakan lulus appointed by the GMS but has not yet been
penilaian kemampuan dan kepatutan oleh declared to have passed the fit and proper test by
OJK, maka yang bersangkutan belum memiliki the OJK, then the contender does not yet have the
hak dan kewajiban sebagai anggota Dewan rights and obligations as a member of the Board
Komisaris. of Commissioners.
Pedoman dan Tata Tertib Kerja Dewan Guidelines and Procedures For The Board of
Komisaris Commissioners
Pedoman dan Tata Tertib Kerja Dewan The Guidelines and Charter of the Board of
Komisaris bank bjb diatur dalam Surat Commissioners of the Bank bjb are regulated in
Keputusan Dewan Komisaris 10/SK/DKO/2019 the Decree of the Board of Commissioners 10/
tanggal 04 Desember 2019 tentang Pedoman SK/DKO/2019 December 04 2019 concerning
dan Tata Tertib Kerja Dewan Komisaris. Adapun Guidelines and Rules of Work for the Council
isi dari Pedoman dan Tata Tertib Kerja Dewan Commissioner. The contents of the Board of
Komisaris yaitu: Commissioners Charter are:
Bab I Pendahuluan Chapter I Introduction
Bab II Organisasi Dewan Komisaris Chapter II Organization of the Board of Commissioners
Bab III Tugas, Tanggung Jawab dan Wewenang Chapter III Duties, Responsibilities and Authority
Bab IV Hubungan Dewan Komisaris dengan Direksi Chapter IV Relationship of the Board of Commissioners
with the Board of Directors
Bab V Penutup Chapter V Closing
Komposisi dan Dasar Pengangkatan Dewan Composition and Basis For Board of Commissioners
Komisaris
Dewan Komisaris dipimpin oleh Komisaris The Board of Commissioners is led by the
Utama dengan jumlah anggota paling kurang President Commissioner with a number of
3 (tiga) orang dan paling banyak berjumlah members of at least 3 (three) people and at most
sama dengan jumlah anggota Direksi. Dewan the same number of members of the Board of
Komisaris terdiri dari Komisaris Independen dan Directors. The Board of Commissioners consists of
Komisaris Non Independen. Dewan Komisaris Independent Commissioners and Non-Independent
merupakan majelis dan setiap anggota Dewan Commissioners. The Board of Commissioners is
Komisaris tidak dapat bertindak sendiri-sendiri, an assembly and each member of the Board of
melainkan berdasarkan keputusan Dewan Commissioners cannot act individually, but based
Komisaris. on the decision of the Board of Commissioners.
Selama tahun 2019, Komposisi anggota Dewan During 2019, the composition of the bank bjb
Komisaris bank bjb mengalami perubahan Board of Commissioners members has changed as
sebagaimana penjelasan berikut. described below.
Komposisi dan Dasar Pengangkatan Dewan Composition and Basis For Appointment of The
Komisaris Sebelum RUPS Tahunan 2019 Board of Commissioners Before The Annual GMS
in 2019
Komposisi Dewan Komisaris sebelum RUPS The composition of the Board of Commissioners
Tahunan 2019 sebanyak 2 (dua) orang yang before the 2019 Annual GMS is 2 (two) people
terdiri dari 1 (satu) orang Komisaris dan 1 consisting of 1 (one) Commissioner and 1 (one)
(satu) orang Komisaris Independen. Seluruh Independent Commissioner. All members of
anggota Dewan Komisaris berdomisili di wilayah the Board of Commissioners are domiciled in
kerja Kantor bank bjb. Komposisi dan dasar the working area of the bank bjb office. The
pengangkatan Dewan Komisaris dapat dilihat composition and basis for appointment of the
pada tabel di bawah ini. Board of Commissioners can be seen in the table
below.
Komposisi dan Dasar Pengangkatan Dewan Composition and Basis For Appointment of Board
Komisaris Setelah RUPS Tahunan 2019 of Commissioners After The Annual GMS 2019
Melalui RUPS Tahunan 2019 tanggal 30 April Through the 2019 Annual GMS on 30 April 2019,
2019, RUPS memutuskan mengangkat kembali the GMS decided to reappoint Mr. Muhadi as
Bapak Muhadi sebagai Komisaris dan Bapak Commissioner and Mr. Yayat Sutaryat as an
Yayat Sutaryat sebagai Komisaris Independen. Independent Commissioner. In addition, the
Selain itu, RUPS memutuskan untuk mengangkat GMS decided to appoint Mr. Farid Rahman as
Bapak Farid Rahman selaku Komisaris Utama Independent President Commissioner, Mr. Eddy I.
Independen, Bapak Eddy I. M. Nasution selaku M. Nasution as Commissioner and Mr. Fahlino F.
Komisaris dan Bapak Fahlino F. Sjuib selaku Sjuib as Independent Commissioner.
Komisaris Independen.
Sehingga Komposisi Dewan Komisaris setelah Thus, the Composition of the Board of
RUPS Tahunan 2019 sebanyak 5 (lima) orang Commissioners after the 2019 Annual General
yang terdiri dari 1 (satu) orang Komisaris Utama Meeting of Shareholders is 5 (five) people consisting
Independen, 2 (dua) orang Komisaris dan 2 of 1 (one) Independent President Commissioner,
(dua) orang Komisaris Independen. Seluruh 2 (two) Commissioners and 2 (two) Independent
anggota Dewan Komisaris berdomisili di wilayah Commissioners. All members of the Board of
kerja Kantor bank bjb. Komposisi dan dasar Commissioners are domiciled in the working area
pengangkatan Dewan Komisaris dapat dilihat of the bank bjb office. The composition and basis
pada tabel di bawah ini. for appointment of the Board of Commissioners
can be seen in the table below.
Komisaris Utama
Otoritas Jasa
Independen
Keuangan RUPS Tahunan Tahun Buku 2018 tanggal 30 April 2019 21 Juni 2019
Farid Rahman Independent
Financial Services Annual GMS for Fiscal Year 2018 dated April 30, 2019 21 June 2019
President
Authority
Commissioner
Otoritas Jasa RUPS Tahunan Tahun Buku 2018 tanggal 30 April 2019
Eddy I. M. Komisaris Keuangan Annual GMS for Fiscal Year 2018 dated April 30, 2019 21 Juni 2019
Nasution Commissioner Financial Services 21 June 2019
Authority
Komisaris Otoritas Jasa RUPS Tahunan Tahun Buku 2018 tanggal 30 April 2019
Independen Keuangan Annual GMS for Fiscal Year 2018 dated April 30, 2019 21 Juni 2019
Fahlino F. Sjuib
Independent Financial Services 21 June 2019
Commissioner Authority
Program Orientasi Bagi Komisaris Baru Orientation Program For New Commissioners
bank bjb telah melaksanakan program orientasi bank bjb has implemented an orientation
(induction program) bagi Dewan Komisaris yang program (induction program) for the newly
baru diangkat dengan tujuan untuk memberikan appointed Board of Commissioners with the aim of
gambaran atas kegiatan bisnis, rencana providing an overview of business activities, future
Perseroan kedepan, panduan kerja dan lainnya corporate plans, work guidelines and others that
yang menjadi tanggung jawab pengurus dengan are the responsibility of the management with the
dokumen sebagai berikut: following documents:
1. Rencana Bisnis Bank 2019 – 2022 1. Bank Business Plan 2019 - 2022
2. Anggaran Dasar berupa Akta Pernyataan 2. Articles of Association in the form of Deed of
Keputusan RUPS Nomor 86 tanggal 30 April AGM Decree No. 86 dated April 30, 2019
2019
3. Laporan Tahunan Tahun Buku 2018 3. Annual Report for Fiscal Year 2018
4. Laporan Pelaksanaan Tata Kelola 2018 4. Corporate Governance Implementation Report 2018
5. Ketentuan bank bjb pada level kebijakan, 5. bank bjb provisions at the policy level, namely:
yaitu:
a. Kebijakan Tata Kelola Perusahaan a. Corporate Governance Policy
b. Kebijakan Sistem Pengendalian Internal b. Internal Control System Policy
c. Kebijakan Tresuri c. Treasury Policy
d. Kebijakan Umum Manajemen Risiko d. General Risk Management Policy
e. Kebijakan Human Capital e. Human Capital Policy
f. Kebijakan Tata Tertib Kerja Direksi f. Board of Directors Work Procedures Policy
g. Kebijakan Hukum g. Legal Policy
h. Kebijakan Akuntansi h. Accounting Policy
i. Kebijakan dana dan Jasa i. Funds and Services Policy
j. Kebijakan Keuangan Berkelanjutan j. Sustainable Financial Policy
k. Kebijakan Audit Internal k. Internal Audit Policy
l. Kebijakan Perkreditan Bank l. Bank Credit Policy
m. Kebijakan Operasional m. Operational Policy
n. Kebijakan Perlindungan Nasabah bank n. Customer Protection Policy bank bjb
bjb
o. Kebijakan Corporate Secretary o. Corporate Secretary Policy
p. Kebijakan Penerapan Anti Pencucian p. Anti-Money Laundering and Terrorism
Uang dan Pencegahan Pendanaan Financing Prevention Policy (APU PPT)
Terorisme (APU PPT)
q. Kebijakan Kepatuhan q. Compliance Policy
r. Kebijakan Teknologi Informasi r. Information Technology Policy
Program orientasi bagi anggota Komisaris baru The orientation program for new Commissioners
di tahun 2019 diselenggarakan melalui rapat in 2019 is conducted through internal meetings
internal Dewan Komisaris, rapat gabungan of the Board of Commissioners, joint meetings of
Dewan Komisaris dengan Direksi dan unit-unit the Board of Commissioners with the Directors and
yang terkait. related units.
Adapun pembidangan tugas pengawasan The task of supervising the Board of Commissioners
Dewan Komisaris sebagai berikut. is as follows.
Tabel Pembidangan Tugas Dewan Komisaris
Table of Board of Commissioners’ Duties Discussion
Nama Jabatan
Bidang Tugas Task field
Name Position
Komisaris Utama Ketua Komite Pemantau Risiko (KPR) Chairman of Komite Pemantau Risiko (KPR)(the
Independen Anggota Komite Nominasi dan Risk Monitoring Committee)
Farid Rahman* Independent President Remunerasi Member of the Nomination and Remuneration
Commissioner Anggota Komite Audit Committee
Audit Committee Member
Komisaris Utama
Independen
Farid
Independent √ √ √ √ √ √ √
Rahman*
President
Commissioner
Eddy I. M. Komisaris
√ √ √ √ √ √ √
Nasution* Commissioner
Komisaris
Fahlino F. Independen
√ √ √ √ √ √ √
Sjuib* Independent
Commissioner
Komisaris
Muhadi √ √ √ √ √ √ √
Commissioner
Komisaris
Yayat Independen
√ √ √ √ √ √ √
Sutaryat Independent
Commissioner
*Efektif menjabat sejak tanggal 21 Juni 2019. | *Effective officerin the position since June 21, 2019.
Kebijakan Rangkap Jabatan Dewan Komisaris Committee For The Board of Commissioners
Setiap anggota Dewan Komisaris dapat Each member of the Board of Commissioners can
melaksanakan rangkap jabatan sepanjang carry out concurrent positions as long as permitted by
diperkenankan oleh ketentutan yang berlaku applicable regulations and the Company’s Articles of
serta Anggaran Dasar Perseroan. Anggota Association. Members of the Board of Commissioners
Dewan Komisaris dilarang melakukan rangkap are prohibited from holding concurrent positions
jabatan sebagai anggota Drieksi, anggota Dewan as members of Board of Directors, members of the
Komisaris atau Pejabat Eksekutif: Board of Commissioners or Executive officers:
1. Pada lembaga keuangan atau perusahaan 1. In financial institutions or financial companies,
keuangan, baik bank maupun bukan bank. both banks and non-banks.
2. Pada lebih dari 1 (satu) lembaga bukan 2. In more than 1 (one) non-financial institution
keuangan atau perusahaan bukan keuangan or non-financial company both domiciled
baik yang berkedudukan di dalam maupun inside and outside the country.
di luar negeri.
Tidak termasuk rangkap jabatan sebagaimana Does not include concurrent positions as mentioned
telah disebutkan di atas dalam hal: above in terms of:
1. Anggota Dewan Komisaris menjabat 1. Members of the Board of Commissioners
sebagai anggota Direksi, anggota Dewan serve as members of the Board of Directors,
Komisaris atau Pejabat Eksekutif yang members of the Board of Commissioners or
melaksanakan fungsi pengawasan pada 1 Executive officers who carry out the supervisory
(satu) perusahaan anak bukan bank yang function in 1 (one) non-bank subsidiary
dikendalikan oleh Bank. company controlled by the Bank.
2. Komisaris Non Independen menjalankan 2. Non-independent commissioners carry out
tugas fungsional dari pemegang Saham functional tasks from Bank shareholders in
Bank yang berbentuk badan hukum pada the form of legal entities in the Bank business
kelompok usaha Bank. group.
3. Anggota Dewan Komisaris menduduki 3. Members of the Board of Commissioners
jabatan pada organisasi atau lembaga hold positions in non-profit organizations or
nirlaba. institutions.
Tugas dalam jabatan dan fungsi sebagaimana Duties in functions and functions as referred to
dimaksud di atas dapat dilaksanakan sepanjang above can be carried out as long as the person
yang bersangkutan tidak mengabaikan concerned does not neglect the implementation
pelaksanaan tugas dan tanggung jawab sebagai of duties and responsibilities as a member of the
anggota Dewan Komisaris Bank. Board of Commissioners of the Bank.
Rangkap jabatan Dewan Komisaris dapat dilihat The concurrent positions of the Board of
pada tabel di bawah ini. Commissioners can be seen in the table below.
Komisaris Asisten Perekonomian dan Setda Jawa Barat Pemerintah Provinsi Jawa Barat
Eddy I. M. Nasution*
Commissioner Asisten Perekonomian dan Setda Jawa Barat West Java Provincial Government
Komisaris Independen
Fahlino F. Sjuib* - -
Independent Commissioner
Komisaris - -
Muhadi
Commissioner
Komisaris Independen -
Yayat Sutaryat -
Independent Commissioner
*Efektif menjabat sejak tanggal 21 Juni 2019. | * Effective officer in the position since June 21, 2019.
1. Anggota Dewan Komisaris dilarang memiliki 1. Members of the Board of Commissioners are prohibited
hubungan keluarga sampai dengan derajat from having family relations up to the second degree
kedua dengan sesama anggota Dewan with fellow members of the Board of Commissioners
Komisaris dan/atau anggota Direksi. and/or members of the Board of Directors.
2. Dalam hal terjadi benturan kepentingan, 2. In the event of a conflict of interest, members
anggota Dewan Komisaris dilarang of the Board of Commissioners are prohibited
mengambil tindakan yang dapat merugikan from taking actions that could harm the
Bank atau mengurangi keuntungan Bank Bank or reduce the profit of the Bank and are
dan wajib mengungkapkan benturan required to disclose conflicts of interest in every
kepentingan dalam setiap keputusan. decision.
3. Anggota Dewan Komisaris dilarang 3. Members of the Board of Commissioners are
memanfaatkan Bank untuk kepentingan prohibited from using the Bank for personal,
pribadi, keluarga dan/atau pihak lain family and/or other parties’ interests which
yang dapat merugikan atau mengurangi may harm or reduce the Bank’s profits.
keuntungan Bank.
4. Anggota Dewan Komisaris dilarang bertindak 4. Members of the Board of Commissioners
sebagai kuasa dari Pemegang Saham dalam are prohibited from acting as proxy from
pemungutan suara di dalam rapat. Shareholders in the vote at the meeting.
5. Anggota Dewan Komisaris dilarang 5. Members of the Board of Commissioners
mengambil dan/atau menerima keuntungan are prohibited from taking and/or receiving
pribadi dari Bank selain remunerasi dan personal benefits from the Bank other than
fasilitas lain yang ditetapkan berdasarkan remuneration and other facilities determined
keputusan RUPS. based on the resolution of the GMS.
Kepemilikan Saham Dewan Komisaris Ownership of Board of Commissioners
Dewan Komisaris telah mengungkapkan The Board of Commissioners has disclosed its
Kepemilikan sahamnya baik pada Bank maupun ownership in both the Bank and other banks
pada Bank lain dan perusahaan lain yang and other companies domiciled both at home
berkedudukan di dalam dan di luar negeri. and abroad. The Board of Commissioners’ share
Kepemilikan Saham Dewan Komisaris dapat ownership can be seen in the table below.
dilihat pada tabel di bawah ini.
Kepemilikan Saham
Nama Jabatan Share Ownership
Name Position bank bjb Perusahaan Lain
bank bjb Other companies
Komisaris Utama Independen Nihil Nihil
Farid Rahman*
Independent President Commissioner None None
Komisaris Nihil Nihil
Eddy I. M. Nasution*
Commissioner None None
Komisaris Independen Nihil Nihil
Fahlino F. Sjuib*
Independent Commissioner None None
Komisaris 1.215.000 lembar Saham Nihil
Muhadi 1.215.000 shares
Commissioner None
Komisaris Independen Nihil Nihil
Yayat Sutaryat
Independent Commissioner None None
*Efektif menjabat sejak tanggal 21 Juni 2019. |*Effective officer in the position since June 21, 2019.
Komisaris Independen Bank ditetapkan paling The Bank’s Independent Commissioners are
kurang 50% (lima puluh persen) dari jumlah appointed at least 50% (fifty percent) of the total
anggota Dewan Komisaris. Komposisi Dewan members of the Board of Commissioners. The
Komisaris Bank Per 31 Desember 2019 composition of the Bank’s Board of Commissioners
berjumlah 5 (lima) orang anggota dengan 3 as of December 31, 2019 was 5 (five) members with
(tiga) orang di antaranya sebagai Komisaris 3 (three) of them as Independent Commissioners,
Independen yang berarti 60% (enam puluh which means 60% (sixty percent) of the existing
persen) dari Komisaris yang ada dan telah Commissioners and had complied with Bank
memenuhi ketentuan Bank Indonesia/OJK. Indonesia/OJK regulations.
Kriteria penentuan Komisaris Independen yang The criteria for determining Independent
diatur dalam Pedoman dan Tata Tertib Kerja Commissioners as stipulated in the Board of
Dewan Komisaris adalah sebagai berikut. Commissioners Charter are as follows.
Komisaris Independen
Kriteria Independent Commissioner
Criteria Fahlino F. Yayat
Farid Rahman
Sjuib Sutaryat
Tidak memiliki hubungan dengan Does not have a relationship with √ √ √
Pemegang Saham Pengendali/ the controlling shareholder/majority,
mayoritas, keuangan, kepengurusan, financial, management, share ownership
kepemilikan Saham dan/atau and/or family relations with other
hubungan keluarga dengan anggota members of the Board of Commissioners,
Dewan Komisaris lainnya, Direksi Directors and/or the Bank, and is free
dan/atau dengan Bank, serta bebas from business relationships or other
dari hubungan bisnis atau hubungan relationships that can affect its ability to
lainnya yang dapat mempengaruhi act independently.
kemampuannya untuk bertindak
independen.
Dewan Komisaris wajib menyelenggarakan The Board of Commissioners must hold a Board
rapat Dewan Komisaris paling kurang 1 (satu) of Commissioners meeting at least 1 (one) time in
kali dalam 1 (satu) bulan dan wajib dihadiri oleh 2 (two) months and must be physically attended
seluruh anggota Dewan Komisaris secara fisik by all members of the Board of Commissioners at
paling kurang 2 (dua) kali dalam setahun. Dalam least 2 (two) times a year. In the event that a Non-
hal Komisaris Non Independen tidak dapat Independent Commissioner is unable to attend a
menghadiri rapat Dewan Komisaris secara Board of Commissioners meeting physically, a Non-
fisik, maka Komisaris Non Independen dapat Independent Commissioner may attend a Board of
menghadiri rapat Dewan Komisaris melalui Commissioners meeting through teleconferencing
sarana teknologi telekonferensi. technology.
Rapat adalah sah dan berhak mengambil Meetings are valid and have the right to make
keputusan yang mengikat hanya apabila lebih binding decisions only if more than half of the
dari setengah bagian dari jumlah anggota total members of the Board of Commissioners are
Dewan Komisaris hadir atau diwakili dalam present or represented at the meeting. Decision
rapat. Pengambilan keputusan pada rapat making at the Board of Commissioners’ meeting
Dewan Komisaris dilakukan berdasarkan is based on consensus agreement on the said
musyawarah mufakat pada pengambilan decision making.
keputusan dimaksud.
Rencana Rapat Internal Dewan Komisaris The Internal Meeting of The Board of Commissioners
1. Rapat Dewan Komisaris diadakan sekurang- 1. Meetings of the Board of Commissioners are
kurangnya 1 (satu) kali dalam satu bulan. held at least 1 (one) time in a month. The
Rapat tersebut antara lain membahas: meeting discussed, among others:
a. Evaluasi atas kebijakan strategis dan a. Evaluation of the Bank’s strategic policies
rencana bisnis Bank. and business plans.
b. Evaluasi atas kinerja bank secara periodik b. Periodic evaluation of bank performance
dan posisi akhir tahun. and year-end position.
c. Evaluasi hasil pemantauan atas c. Evaluate the results of monitoring of the
kepatuhan Bank terhadap Peraturan Bank’s compliance with the Financial
Otoritas Jasa Keuangan dan peraturan Services Authority Regulations and
perundang-undangan yang berlaku. applicable laws and regulations.
d. Rapat terkait hal – hal tertentu yang d. Meetings related to certain matters that are
sifatnya insidentil. incidental.
2. Rapat Dewan Komisaris dapat juga diadakan 2. Meetings of the Board of Commissioners can
setiap waktu bilamana dianggap perlu oleh also be held at any time if deemed necessary
Komisaris Utama atau oleh 1/3 (satu pertiga) by the President Commissioner or by 1/3 (one
dari jumlah anggota Dewan Komisaris atau third) of the total members of the Board of
atas permintaan tertulis dari Direksi. Commissioners or at the written request of the
Board of Directors.
Realisasi Rapat Internal Dewan Komisaris Realization of The Internal Meeting of The Board
of Commissioners
Sepanjang tahun 2019, agenda, tanggal dan During 2019, the agenda, date and participants
peserta Rapat Dewan Komisaris adalah sebagai of the Board of Commissioners’ Meeting are as
berikut. follows.
Peserta
No. Tanggal Agenda Rapat Rapat Kehadiran Alasan Ketidakhadiran
No. Date Meeting Agenda Meeting Attendance Reason of inabsence
participants
1 2 Januari 2019 • Proses Pengisian Pengurus • Filling Process of Muhadi Hadir | Present
January 2nd, Management Hadir | Present
2019 • Lain – lain • Miscellaneous Yayat Sutaryat
2 8 Januari 2019 • Konfigurasi KPI Dewan • Configuration of KPI for the Muhadi Hadir | Present
January 8th, Komisaris Board of Commissioners Hadir | Present
2019 • Lain – lain • Miscellaneous Yayat Sutaryat
3 28 Januari 2019 • Persiapan assessment calon • Preparation for assessment Muhadi Hadir | Present
January 28th, Direksi bank bjb of bank bjb candidates Hadir | Present
2019 • Lain – lain • Miscellaneous Yayat Sutaryat
4 7 Februari 2019 • Penerimaan Rekapitulasi Hasil • Acceptance of the Muhadi Hadir | Present
February 7th, Assessment Calon Direksi bank Recapitulation of the Results
Yayat Sutaryat Hadir | Present
2019 bjb dari Assessor Lain-lain of the bank bjb Prospective
Directors Assessment from
the Assessor Miscellaneous
5 11 Februari • Pedoman dan Tata Tertib • Board of Commissioners Muhadi Hadir | Present
2019 Kerja Dewan Komisaris Charter Hadir | Present
February 11th, Yayat Sutaryat
2019
6 26 April 2019 • Penyusunan KPI Dewan • Preparation of KPI for the Muhadi Hadir | Present
April 26th, 2019 Komisaris Board of Commissioners Hadir | Present
• Lain – lain • Miscellaneous Yayat Sutaryat
7 29 April 2019 • Penunjukan Pemimpin Rapat • Appointment of 2018 Muhadi Hadir | Present
April 29th, 2019 RUPS Tahunan Tahun Buku Annual GMS Meeting Hadir | Present
2018 Leaders Yayat Sutaryat
• Lain – lain • Miscellaneous
8 14 Mei 2019 • Pembahasan Matriks Temuan • Discussion of Audit Findings Muhadi Hadir | Present
May 14th, 2019 Hasil Audit oleh SKAI Periode Matrix by the Internal Audit
Yayat Sutaryat Hadir | Present
Triwulan IV Tahun 2018 Unit for the Quarter IV
• Lain – lain Period 2018
• Miscellaneous
9 21 Mei 2019 • Pemberian Fasilitas Kredit • Provision of Credit Facilities Muhadi Hadir | Present
May 21st, 2019 kepada Pihak Terkait. to Related Parties.
Yayat Sutaryat Hadir | Present
10 28 Mei 2019 • Pemberian Fasilitas Kredit • Provision of Credit Facilities Muhadi Hadir | Present
May 28th, 2019 kepada Pihak Terkait to Related Parties. Hadir | Present
Yayat Sutaryat
11 3 Juli 2019 • Pembagian Tugas dan • Distribution of Tasks and Farid Rahman Hadir | Present
July 3rd, 2019 Pelaksanaan Kegiatan Dewan Implementation of the
Eddy I. M. Hadir | Present
Komisaris serta Komite – Activities of the Board
Nasution
Komite of Commissioners and
Committees Fahlino F. Sjuib Hadir | Present
Peserta
No. Tanggal Agenda Rapat Rapat Kehadiran Alasan Ketidakhadiran
No. Date Meeting Agenda Meeting Attendance Reason of inabsence
participants
12 9 Juli 2019 • Tindaklanjut hasil FnP • Tindaklanjut hasil FnP Farid Rahman Hadir | Present
July 9th, 2019 Pengurus bank bjb Pengurus bank bjb
Eddy I. M. Hadir | Present
• Follow up on the results
Nasution
of FnP of the bank bjb
Management Fahlino F. Sjuib Hadir | Present
Peserta
No. Tanggal Agenda Rapat Rapat Kehadiran Alasan Ketidakhadiran
No. Date Meeting Agenda Meeting Attendance Reason of inabsence
participants
19 1 Oktober 2019 • Laporan Komite Nominasi • Report of the Nomination Farid Rahman Hadir | Present
October 1st, dan Remunerasi and Remuneration
Eddy I. M. Hadir | Present
2019 Committee
Nasution
Fahlino F. Sjuib Hadir | Present
Rapat Gabungan Dewan Komisaris Joint Board of Commissioners Meeting With The
Mengundang Direksi Board of Directors
Sepanjang tahun 2019, agenda, tanggal dan During 2019, the agenda, date and participants of
peserta Rapat Gabungan Dewan Komisaris the Joint Meeting of the Board of Commissioners
mengundang Direksi adalah sebagai berikut. and the Board of Directors are as follows.
Peserta
Rapat – Peserta
Tanggal Dewan Rapat -
Rapat Komisaris Kehadiran Keterangan Direksi Kehadiran Keterangan
No. Agenda
Meeting Meeting Attendance Notes Meeting Attendance Notes
Date participant Participant -
– board of Directors
Commissioners
1 2 Januari • Persiapan • Preparation for Muhadi Hadir Hadir
Agus Mulyana Present
2019 Pelaksanaan the 2019 RBB Present
January RBB Tahun • Preparation for Hadir
Nia Kania Present
2nd, 2019 2019 Annual GMS for
• Persiapan RUPS Fiscal Year 2018 Yayat Sutaryat Hadir Hadir
Suartini Present
Tahunan Tahun • Miscellaneous Present
Buku 2018
Fermiyanti Hadir
• Lain – lain Present
2 14 Januari • Kinerja bank • bank bjb Muhadi Hadir Agus Mulyana Hadir
Present Present
2019 bjb posisi performance
January Desember 2018 as of December Nia Kania Hadir
Present
14th, 2019 • Kebijakan 2018
Human Capital • Human Capital Yayat Sutaryat Hadir Suartini Hadir
• Kebijakan Tata Policy Present Present
Tertib Kerja • The Board of Hadir
Fermiyanti Present
Direksi Directors Policy
3 22 Januari • Persiapan RUPS • Preparation for Muhadi Hadir Agus Mulyana Tidak Hadir Keperluan yang
Present Not Present tidak dapat
2019 Tahunan Tahun the Annual GMS
January Buku 2018 for Fiscal Year diwakilkan
22nd, 2019 • Progress 2018 Other business
Pemenuhan • Progress in that cannot be
represented
Komitmen OJK Fulfilling OJK
• Lain –lain Commitments Nia Kania Hadir
• Others Present
Suartini Hadir
Hadir Present
Yayat Sutaryat
Present Hadir
Fermiyanti Present
4 27 Februari • Kinerja bank • bank bjb Agus Mulyana Hadir
Hadir Present
2019 bjb posisi performance as Muhadi
February Januari 2019 of January 2019 Present Hadir
Nia Kania Present
27th, 2019 • Perbaikan • Improvement of
Rencana Bisnis Bank Business Yayat Sutaryat Hadir Suartini Hadir
Bank (RBB) Plans (RBB) 2019 Present Present
Tahun 2019 – - 2021 Fermiyanti Hadir
2021 • Fulfillment of Present
• Pemenuhan Findings related
Temuan terkait to APU-PPT
APU-PPT • Discussion
• Pembahasan • Information
• Kebijakan Technology Policy
Teknologi • Accounting Policy
Informasi • Legal Policy
• Kebijakan • Service Fund
Akuntansi Policy
• Kebijakan
Hukum
• Kebijakan dana
Jasa
Peserta
Rapat – Peserta
Tanggal Dewan Rapat -
Rapat Komisaris Kehadiran Keterangan Direksi Kehadiran Keterangan
No. Agenda
Meeting Meeting Attendance Notes Meeting Attendance Notes
Date participant Participant -
– board of Directors
Commissioners
5 6 Maret • Persiapan RUPS • Preparation for Muhadi Hadir Agus Mulyana Hadir
Present Present
2019 Tahunan Tahun Annual GMS for
March 6th, Buku 2018 Fiscal Year 2018 Nia Kania Hadir
Present
2019
Yayat Sutaryat Hadir Suartini Hadir
Present Present
Fermiyanti Hadir
Present
6 19 Maret • Evaluasi Kinerja • Evaluation of Muhadi Hadir Agus Mulyana Tidak Hadir Keperluan yang
Present Not Present tidak dapat
2019 bank bjb Posisi the bank bjb
March 19th, Februari 2019 Performance as diwakilkan
2019 • Evaluasi Kinerja of February 2019 Tidak Hadir Other business
Nia Kania Not Present that cannot be
DPLK bank bjb • Evaluation of
represented
• Pemberian bank bjb DPLK
Fasilitas Kredit performance Yayat Sutaryat Hadir Suartini Hadir
Kepada Pihak • Provision of Present
Terkait atas Credit Facilities Keperluan yang
nama Koperasi to Related tidak dapat
ZIEBAR Parties on Tidak Hadir diwakilkan
Fermiyanti Not Present
• Lain – lain behalf of ZIEBAR Other business
Cooperatives that cannot be
• Miscellaneous represented
7 23 April • Persiapan RUPS • Preparation for Muhadi Hadir Agus Mulyana Hadir
Present Present
2019 Tahunan Tahun the Annual GMS
April 23rd, Buku 2018 for Fiscal Year Nia Kania Hadir
Present
2019 • Kinerja bank 2018
bjb posisi • bank bjb Yayat Sutaryat Hadir Suartini Hadir
Maret 2019 performance as Present Present
• Lain – lain of March 2019 Hadir
Fermiyanti Present
• Miscellaneous
8 21 Mei • Pembahasan • Discussion Muhadi Hadir Keperluan yang
2019 Kinerja bank on the Bank’s Present tidak dapat
May 21st, bjb Posisi April Performance as Tidak Hadir diwakilkan
Agus Mulyana Not Present
2019 2019 of April 2019 Other business
• Pemberian • Provision of that cannot be
represented
Fasilitas Kredit Credit Facilities to
Kepada Pihak Related Parties Nia Kania Hadir
Terkait • Miscellaneous Present
• Lain – lain Yayat Sutaryat Hadir
Present Suartini Hadir
Present
Peserta
Rapat – Peserta
Tanggal Dewan Rapat -
Rapat Komisaris Kehadiran Keterangan Direksi Kehadiran Keterangan
No. Agenda
Meeting Meeting Attendance Notes Meeting Attendance Notes
Date participant Participant -
– board of Directors
Commissioners
10 18 Juni • Pembahasan • Discussion Agus Mulyana Hadir
Hadir Present
2019 Kinerja bank on the Bank’s Muhadi Present Hadir
June 18th, bjb Posisi Mei Performance as Nia Kania Present
2019 2019 of May 2019
• Pembahasan • Discussion Yayat Sutaryat Hadir Suartini Hadir
Revisi RBB on 2019 RBB Present Present
Tahun 2019 Revision
• Persetujuan • Approval of
Kebijakan Operational
Operasional Policies
11 25 Juni • Pembahasan • Discussion Muhadi Hadir Agus Mulyana Tidak Hadir Keperluan yang
Present Not Present tidak dapat
2019 Revisi RBB on 2019 RBB
June 25th, Tahun 2019 Revision diwakilkan
2019 Other business
that cannot be
represented
Peserta
Rapat – Peserta
Tanggal Dewan Rapat -
Rapat Komisaris Kehadiran Keterangan Direksi Kehadiran Keterangan
No. Agenda
Meeting Meeting Attendance Notes Meeting Attendance Notes
Date participant Participant -
– board of Directors
Commissioners
14 17 Juli 2019 • Struktur • Organizational Farid Rahman Hadir Yuddy Hadir
July 17th, Organisasi Structure Present Renaldi Present
2019 • Kinerja bank • bank bjb
bjb posisi Juni performance as Eddy I. M. Hadir Hadir
2019 of June 2019 Nasution Present Tedi Setiawan
Present
• Lain – lain • Miscellaneous
Fahlino F. Sjuib Hadir
Hadir
Present Rio Lanasier
Present
Hadir
Agus Mulyana
Present
15 14 Agustus • Kinerja bank • bank bjb Farid Rahman Hadir Yuddy Hadir
Present Present
2019 bjb Posisi Juli performance as Renaldi
August 14th, 2019 of July 2019
2019 • Pembahasan • Discussion on Follow Eddy I. M. Hadir Hadir
Present Tedi Setiawan Present
Tindak Lanjut Ups on the Fulfillment Nasution
Pemenuhan of Commitment Fahlino F. Sjuib Hadir Rio Lanasier Hadir
Komitmen to Completing Present Present
Penyelesaian the Internal Audit Hadir Hadir
Muhadi Present Nia Kania Present
Temuan SKAI Findings
• Pembahasan • Discussion Yayat Sutaryat Hadir Hadir
Suartini Present
Tahapan on Business Present
Reorientasi Reorientation
Bisnis Sesuai Stages in
dengan arahan accordance with Agus Mulyana Hadir
Present
Pemegang the directions of
Saham the Shareholders
16 24 • Kinerja bank • bank bjb Hadir Yuddy Hadir
Farid Rahman Present Present
September bjb Posisi performance as Renaldi
2019 Agustus 2019 of August 2019
September • Pembahasan • Discussion of Eddy I. M. Hadir Hadir
Present Tedi Setiawan Present
24th, 2019 POJK No. 15/ POJK No. 15/ Nasution
POJK.05/2019 POJK.05/ 2019 Fahlino F. Sjuib Hadir Rio Lanasier Hadir
tentang Tata concerning Present Present
Kelola dana Pension Fund Hadir Hadir
Muhadi Present Nia Kania Present
Pensiun Management
• Lain – lain • Miscellaneous Yayat Sutaryat Hadir Hadir
Suartini Present
Present
Agus Mulyana Tidak Hadir
Not Present
17 24 • Pembahasan • Discussion POJK Hadir Yuddy Tidak Hadir
Farid Rahman Present Not Present
September POJK No. 15/ No. 15/POJK.05/ Renaldi
2019 POJK.05/2019 2019 concerning
Eddy I. M. Tidak Hadir Keperluan Keperluan yang
September tentang Tata Pension Fund Not Present
Nasution yang tidak tidak dapat
24th, 2019 Kelola dana Management dapat diwakilkan
Pensiun diwakilkan Tedi Setiawan Tidak Hadir
Not Present Other business
• Lain – lain • Miscellaneous Other business that cannot be
that cannot be represented
represented
Peserta
Rapat – Peserta
Tanggal Dewan Rapat -
Rapat Komisaris Kehadiran Keterangan Direksi Kehadiran Keterangan
No. Agenda
Meeting Meeting Attendance Notes Meeting Attendance Notes
Date participant Participant -
– board of Directors
Commissioners
18 22 Oktober • Pembahasan • Discussion on Farid Rahman Hadir Yuddy Hadir
Present Present
2019 Kebijakan Management Renaldi
October Pengelolaan Policies for Equity
Eddy I. M. Hadir Hadir
22nd, 2019 Penyertaan Participation, Present Tedi Setiawan
Nasution Present
Modal, Divestment
Divestasi, dan and Financial Fahlino F. Sjuib Hadir Rio Lanasier Hadir
Konglomerasi Conglomerates Present Present
Keuangan Muhadi Hadir Hadir
Present Nia Kania Present
• Kinerja bank • bank bjb
bjb Posisi performance as Yayat Sutaryat Hadir Hadir
Suartini Present
September of September Present
2019 2019
• Lain – lain • Miscellaneous Agus Mulyana Hadir
Present
19 12 • Pembahasan • Discussion on Hadir Yuddy Hadir
Farid Rahman Present Present
November RBB bank bjb bank bjb RBB Renaldi
2019 Tahun 2020 - 2020 - 2022
November 2022 • Discussion Eddy I. M. Hadir Hadir
Present Tedi Setiawan Present
12th, 2019 • Pembahasan on Directors’ Nasution
Evaluasi Kinerja Performance Rio Lanasier Tidak Hadir Keperluan yang
(KPI) Direksi Evaluation (KPI) Not Present tidak dapat
• Pembahasan • Discussion on Hadir diwakilkan
Fahlino F. Sjuib Present
Kebijakan Management Other business
Pengelolaan Policies for Equity that cannot be
Penyertaan Participation, represented
Modal, Divestment Hadir Nia Kania Hadir
Divestasi, dan and Financial Muhadi Present Present
Konglomerasi Conglomerates Suartini Hadir
Keuangan • Others Present
• Lain-lain Yayat Sutaryat Hadir
Present Agus Mulyana Hadir
Present
Suartini Hadir
Hadir Present
Yayat Sutaryat Present
Agus Mulyana Hadir
Present
Selain mengikuti rapat gabungan Dewan In addition to attending a joint meeting of the
Komisaris mengundang Direksi, Dewan Board of Commissioners inviting the Board of
Komisaris juga mengikuti rapat gabungan Direksi Directors, the Board of Commissioners also
mengundang Dewan Komisaris. Agenda dan participated in a joint meeting of the Board of
peserta rapat gabungan Direksi mengundang Directors inviting the Board of Commissioners. The
Dewan Komisaris telah tersaji pada bagian agenda and participants of the Board of Directors
Rapat Direksi pada Bab Tata Kelola Perusahaan ‘joint meeting inviting the Board of Commissioners
dalam Laporan tahunan ini. have been presented in the Directors’ Meeting
section of the Corporate Governance Chapter in
this Annual Report.
Frekuensi dan Kehadiran Rapat Dewan Frequency and Attendance of Meeting of the Board
Komisaris of Commissioners
Selama tahun 2019, Dewan Komisaris telah During 2019, the Board of Commissioners
melaksanakan Rapat Internal Dewan Komisaris held 25 (twenty five) Board of Commissioners’
sebanyak 25 (dua puluh lima) kali dan Rapat Internal Meetings and 25 (twenty five) Board
Gabungan Dewan Komisaris dan Direksi of Commissioners and Board of Directors Joint
sebanyak 25 (dua puluh lima) kali. Adapun Meetings. The frequency and attendance of each
frekuensi dan kehadiran masing-masing anggota member of the Board of Commissioners is as
Dewan Komisaris adalah sebagai berikut. follows.
Sebagai bagian dari tugas dan tanggung jawab, As part of their duties and responsibilities, the
Dewan Komisaris bank bjb terus proaktif bank bjb Board of Commissioners continues
melakukan pengawasan terhadap kinerja to proactively monitor the performance of the
Direksi dan memberikan masukan kepada Directors and provide input to the Directors.
Direksi. Bentuk pengawasan yang dilakukan The form of supervision carried out by the
Dewan Komisaris tentunya mengacu pada Board of Commissioners certainly refers to the
implementasi atas rekomendasi yang telah implementation of the recommendations given
diberikan Dewan Komisaris terhadap Direksi by the Board of Commissioners to the Board of
maupun melalui komite-komite yang dibentuk. Directors and through established committees.
Selama tahun 2019, Dewan Komisaris telah During 2019, the Board of Commissioners carried
melaksanakan tugas dan tanggung jawabnya out its duties and responsibilities including:
yang antara lain:
1. Melakukan pengawasan terhadap kebijakan 1. Supervise the management policies, the
pengurusan, jalannya pengurusan management of the Company by the Directors
Perseroan oleh Direksi termasuk including supervision of:
pengawasan terhadap:
a. Rencana Bisnis Bank a. Bank Business Plan (RBB)
b. Rencana Kerja dan Anggaran Perusahaan b. Annual Work Plan and Budget (RKAP)
(RKAP) Tahunan
c. Evaluasi pencapaian Kinerja Bulanan. c. Evaluation of Monthly Performance Achievement.
d. Ketentuan Anggaran Dasar dan d. Provisions on the Articles of Association and
Keputusan RUPS. GMS Resolutions.
e. Peraturan perundang-undangan, untuk e. Statutory regulations, for the benefit of
kepentingan Perseroan dan sesuai the Company and in accordance with the
dengan maksud dan tujuan bisnis Company’s business goals and objectives.
Perseroan.
2. Melakukan tugas yang secara khusus 2. Performing tasks specifically given to him
diberikan kepadanya menurut Anggaran according to the Articles of Association, laws
Dasar, peraturan perundang-undangan and regulations and/or resolutions of the GMS,
dan/atau keputusan RUPS, diantaranya including:
adalah:
a. Memantau dan melaporkan pelaksanaan a. Monitor and report on the implementation
Action Plan GCG. of the GCG Action Plan.
b. Mengawasi dan memberikan nasihat b. Oversee and provide advice to the Directors
kepada Direksi dalam menjalankan in carrying out the Company’s business
kegiatan bisnis Perseroan (kebijakan activities (management policies by the
kepengurusan oleh Direksi). Directors).
Penilaian kinerja Dewan Komisaris juga The performance evaluation of the Board
dilakukan oleh Pemegang Saham dalam Rapat of Commissioners is also carried out by the
Umum Pemegang Saham (RUPS) Tahunan Shareholders in the Annual General Meeting of
yang disampaikan dalam Laporan tugas Shareholders (GMS) submitted in the Report of the
pengawasan Dewan Komisaris pada RUPS Board of Commissioners’ supervisory duties in the
yang dituangkan dalam Laporan Tahunan GMS as set forth in the Company’s Annual Report,
Perseroan, berdasarkan laporan tersebut based on the report the GMS states that it gives
RUPS menyatakan memberikan pembebasan full acquitation (acquit et decharge) to Board of
sepenuhnya pertanggungjawaban (acquit et Commissioners for supervisory duties carried out
decharge) kepada Dewan Komisaris atas tugas throughout the fiscal year concerned.
pengawasan yang dilakukan sepanjang tahun
buku yang bersangkutan.
Kinerja Dewan Komisaris dilaporkan kepada The performance of the Board of Commissioners is
Pemegang Saham melalui RUPS. reported to shareholders through the GMS.
Kriteria Evaluasi Kinerja Dewan Komisaris Evaluation Criteria of The Board of Commissioner
Performance
Kinerja Dewan Komisaris yang dilaporkan The performance of the Board of Commissioners
kepada Pemegang Saham melalui RUPS dinilai that is reported to the Shareholders through the
berdasarkan kriteria–kriteria yang berhubungan GMS is assessed based on criteria relating to the
dengan pelaksanaan tugas dan tanggung implementation of the duties and responsibilities of
jawab Dewan Komisaris yang mencakup aspek the Board of Commissioners which include aspects
struktur, operasional, pengarahan, pegawasan of structure, operations, direction, oversight and
dan pelaporan serta pencapaian realisasi reporting as well as achievementrealization of the
Program Kerja/Rencana Kerja Tahunan Dewan Board of Commissioners’ Annual Work Program/
Komisaris tahun 2019. Annual Work Plan 2019.
Pihak yang Melakukan Penilaian Parties That Do The Assessment
Pihak yang melakukan penilaian atas kinerja The party evaluating the performance of the Board
Dewan Komisaris yaitu Pemegang Saham dalam of Commissioners is the Shareholders at the GMS.
RUPS.
Hasil Penilaian Kinerja Dewan Komisaris Results of The Board of Commissioner Performance
Assessment
Untuk Tahun 2019, Dewan Komisaris telah For 2019, the Board of Commissioners has
menyusun Rencana Kerja Tahunan Dewan prepared the Annual Work Plan of the Board
Penilaian kinerja Dewan Komisaris dilakukan The performance evaluation of the Board of
melalui Self Assessment GCG yang disampaikan Commissioners is carried out through the GCG
kepada Otoritas Jasa Keuangan berdasarkan Self Assessment submitted to the Financial Services
pada Surat Edaran Otoritas Jasa Keuangan Authority based on the Financial Services Authority
No. 13/SEOJK.03/2017 tentang Penerapan Circular No. 13/SEOJK.03/2017 concerning the
Tata Kelola Bagi Bank Umum. Pelaksanaan Self Implementation of Governance for Commercial
Assessment GCG ini dilaksanakan secara periodik Banks. The GCG Self Assessment is conducted
setiap semester yang dilaporkan kepada OJK periodically every semester which is reported to the
untuk mendapatkan persetujuan. OJK for approval.
Kriteria Evaluasi Kinerja Dewan Komisaris Evaluation Criteria of The Board of Commissioner
Performance
Kriteria Self Assessment Dewan Komisaris terkait The Board of Commissioners Self Assessment
pelaksanaan GCG dibagi menjadi 3 (tiga) Criteria related to the implementation of GCG are
kelompok yaitu Governance Structure, Governance divided into 3 (three) groups, namely Governance
Process dan Governance Outcome. Governance Structure, Governance Process and Governance
structure terdiri dari 14 (empat belas) indikator, Outcome. Governance structure consists of 14
Governance Process terdiri dari 17 (tujuh belas) (fourteen) indicators, the Governance Process
indikator sedangkan governance outcome terdiri consists of 17 (seventeen) indicators while the
dari 6 (enam) indikator. governance outcome consists of 6 (six) indicators.
Pihak yang melakukan Self Assessment GCG The parties conducting GCG Self Assessment are the
adalah Direksi dan Dewan Komisaris yang harus Directors and Board of Commissioners who must
mendapatkan persetujuan dan pengawasan obtain approval and supervision from the OJK.
dari OJK.
Hasil Penilaian Kinerja Dewan Komisaris Results of The Board of Commissioner Performance
Assessment
Hasil penilaian Self Assessment pelaksanaan The results of the self-assessment of the
Good Corporate Governance tahun 2019 bank implementation of Good Corporate Governance
bjb, mendapat peringkat 2 (baik). in 2019 bank bjb, were in the 2nd position/rank
(good).
Penilaian Kinerja Komite di bawah Dewan Performance Assessment of The Committee Under The Board
Komisaris dan Dasar Penilaiannya of Commissioners and The Basis of The Assessment
Dalam rangka meningkatkan peran Dewan In order to enhance the role of the Board of
Komisaris dalam menjalankan fungsi Commissioners in carrying out the supervisory
pengawasan, Dewan Komisaris telah function, the Board of Commissioners has formed
membentuk 4 (empat) komite yaitu: 4 (four) committees namely:
1. Komite Audit 1. Audit Committee
2. Komite Nominasi dan Remunerasi 2. Nomination and Remuneration Committee
3. Komite Pemantau Risiko 3. Risk Monitoring Committee
4. Komite Tata Kelola Terintegrasi 4. Integrated Governance Committee
Komite Audit memiliki tugas dan tanggung The Audit Committee has the duty and responsibility
jawab untuk membantu Dewan Komisaris to assist the Board of Commissioners in supervising
melakukan pengawasan atas efektivitas sistem the effectiveness of the internal control system,
pengendalian internal, internal audit dan proses internal audit and financial reporting processes.
pelaporan keuangan. Sepanjang tahun 2019, Throughout 2019, the Audit Committee has
Komite Audit telah menjalankan tugas dan carried out its duties and responsibilities well. The
tanggungjawabnya dengan baik. Komite Audit Audit Committee has conducted 23 (twenty three)
telah melaksanakan rapat sebanyak 23 (dua meetings and carried out its duties which include:
puluh tiga) kali dan menjalankan tugasnya yang
antara lain:
1. Review dan pemantauan atas pelaksanaan 1. Review and monitoring of the implementation of
tugas Satuan Kerja Audit Internal (SKAI). the duties of the Internal Audit Work Unit (SKAI).
2. Review dan memberikan saran-saran 2. Review and provide improvements to the draft
penyempurnaan terhadap draft laporan quarterly publication report.
publikasi triwulanan. 3. Evaluation on the effectiveness of external
3. Evaluasi atas efektivitas pelaksanaan audit audit and internal audit.
eksternal dan audit internal. 4. Monitoring of the results of follow-up on audit
4. Monitoring atas hasil tindak lanjut hasil audit. results.
Komite Nominasi dan Remunerasi berfungsi The Nomination and Remuneration Committee
untuk membantu Dewan Komisaris dalam functions to assist the Board of Commissioners
melaksanakan fungsi dan tugasnya di bidang in carrying out their functions and duties in the
yang berkaitan dengan nominasi dan remunerasi fields related to nomination and remuneration
terhadap anggota Direksi dan Dewan Komisaris. for members of the Board of Directors and the
Sepanjang tahun 2019, Komite Nominasi Board of Commissioners. Throughout 2019, the
dan Remunerasi telah menjalankan tugas Nomination and Remuneration Committee has
dan tanggungjawabnya dengan baik. Komite carried out its duties and responsibilities well. The
Nominasi dan Remunerasi telah melaksanakan Nomination and Remuneration Committee has
rapat sebanyak 22 (dua puluh dua) kali dan conducted 22 (twenty two) meetings and conduct
menjalankan tugasnya yang antara lain: its tasks which include:
Komite Pemantau Risiko berfungsi untuk The Risk Monitoring Committee functions to assist
membantu Dewan Komisaris dalam memonitor the Board of Commissioners in monitoring risks
risiko dan menilai toleransi risiko yang dapat and assessing risk tolerance that can be taken
diambil oleh Bank, mengevaluasi perbaikan yang by the Bank, evaluating improvements made to
dilakukan atas kebijakan, prosedur dan praktik the Bank’s risk management policies, procedures
manajemen risiko Bank guna memastikan telah and practices to ensure that risk management
dilakukannya pengelolaan risiko dengan baik. has been carried out properly. Throughout 2019,
Sepanjang tahun 2019, Komite Pemantau Risiko the Risk Monitoring Committee has carried out its
telah menjalankan tugas dan tanggungjawabnya duties and responsibilities well. The Risk Monitoring
dengan baik. Komite Pemantau Risiko telah Committee has conducted 8 (eight) meetings and
melaksanakan rapat sebanyak 8 (delapan) kali conducted its duties which include:
dan menjalankan tugasnya yang antara lain:
1. Memantau Tingkat Kesehatan Bank. 1. Monitor Bank Soundness.
2. Mengevaluasi tingkat risiko melalui 2. Evaluate the level of risk through a review and
penelaahan dan pembahasan Laporan discussion of the self assessment Risk Profile
Profil Risiko Self Assessment. Report.
3. Melakukan Tindak Lanjut Komitmen atas 3. Follow Up on Commitments on Financial
Hasil Pemeriksaan Otoritas Jasa Keuangan. Services Authority Audit Results.
Komite Tata Kelola Terintegrasi berfungsi The Integrated Governance Committee functions
untuk membantu Dewan Komisaris dalam to assist the Board of Commissioners in regulating
mengatur pelaksanaan tata kelola terintegrasi the implementation of integrated governance
bagi Lembaga Jasa Keuangan. Sepanjang tahun for Financial Services Institutions. Throughout
2019, Komite Tata Kelola Terintegrasi telah 2019, the Integrated Governance Committee has
menjalankan tugas dan tanggungjawabnya carried out its duties and responsibilities well. The
dengan baik. Komite Tata Kelola Terintegrasi Integrated Governance Committee has conducted
telah melaksanakan rapat sebanyak 7 (tujuh) 7 (seven) meetings and conducted its tasks which
kali dan menjalankan tugasnya yang antara lain: include:
1. Melakukan pemantauan dan evaluasi 1. Monitor and evaluate the implementation
terhadap pelaksanaan tugas dan fungsi of the duties and functions of the Director
Direktur yang membawahkan fungsi who oversees the function of Supervision of
Pengawasan terhadap Lembaga Jasa Financial Services Institutions in the Financial
Keuangan dalam Konglomerasi Keuangan. Conglomerate.
2. Melakukan pemantauan dan evaluasi 2. Monitor and evaluate the implementation of the
terhadap pelaksanaan tugas dan fungsi dari duties and functions of the Integrated Internal
Satuan Kerja Audit Internal Terintegrasi, Audit Work Unit, Integrated Risk Management
Satuan Kerja Manajemen Risiko Terintegrasi Work Unit and Integrated Compliance Unit.
dan Satuan Kepatuhan Terintegrasi.
3. Melakukan pemantauan terhadap Kinerja 3. Monitor the performance and risk profile of
dan Profil Risiko dari perusahaan anak dan subsidiaries and related companies in financial
perusahaan terelasi dalam konglomerasi conglomerates.
keuangan.
4. Melakukan evaluasi atas Pembinaan Entitas 4. Conduct an evaluation of the Main Entity
Utama terhadap Tata Kelola Perusahaan Development of the Corporate Governance
anak dan perusahaan terelasi dalam of subsidiaries and related companies in the
konglomerasi keuangan bank bjb. bank bjb financial conglomerate.
Anggota Dewan Komisaris diangkat dan Members of the Board of Commissioners are
diberhentikan oleh RUPS dengan persyaratan appointed and dismissed by the GMS with the
dan tata cara yang telah ditetapkan di dalam requirements and procedures set out in the Board
Pedoman dan Tata Tertib Dewan Komisaris serta of Commissioners’ Guidelines and Rules and
peraturan perundang-undangan yang berlaku. applicable laws and regulations. Commissioners
Dewan Komisaris diangkat untuk jangka waktu are appointed for a certain period and end if:
tertentu dan berakhir apabila:
1. Kehilangan Kewarganegaraan Indonesia. 1. Loss of Indonesian Citizenship.
2. Mengundurkan diri dengan memperhatikan 2. Resign by observing the applicable provisions.
ketentuan yang berlaku.
3. Meninggal dunia. 3. Died.
4. Masa jabatannya berakhir, kecuali diangkat 4. His term of office expires, unless reappointed in
kembali sesuai dengan ketentuan yang accordance with applicable regulations.
berlaku.
5. Diberhentikan berdasarkan keputusan 5. Dismissed based on the GMS decision on the
RUPS atas dasar: basis of:
a. Tidak lagi memenuhi persyaratan yang a. No longer meets the applicable requirements.
berlaku.
b. Tidak menjalankan fungsinya dengan baik b. Not carrying out its functions properly in
sesuai dengan ketentuan yang berlaku. accordance with applicable regulations.
6. Anggota Dewan Komisaris berhak untuk 6. Members of the Board of Commissioners
mengundurkan diri dari jabatannya dengan have the right to resign from their positions
memberitahukan secara tertulis mengenai by notifying the Board of Commissioners in
maksud tersebut kepada Dewan Komisaris writing of such intentions with a copy to the
dengan tembusan kepada Direksi. Board of Directors.
7. Perseroan wajib menyelenggarakan 7. The Company is required to hold a GMS to
RUPS untuk memutuskan permohonan decide on the application for resignation of
pengunduran diri anggota Dewan Komisaris members of the Board of Commissioners no
dalam jangka waktu paling lambat 60 later than 60 (sixty) days after receipt of the
(enam puluh) hari setelah diterimanya resignation letter. If the GMS is not held within
surat pengunduran diri. Apabila RUPS this time period, the resignation of the members
tidak diselenggarakan dalam jangka waktu of the Board of Commissioners becomes valid
tersebut maka pengunduran diri anggota without requiring the approval of the GMS,
Dewan Komisaris menjadi sah tanpa but the Company is required to submit the
memerlukan persetujuan RUPS, namun resignation report in the coming GMS.
Perseroan wajib menyampaikan laporan
pengunduran diri tersebut dalam RUPS
yang akan datang.
Direksi merupakan organ Perseroan yang The Board of Directors is the organ of the Company
bertanggung jawab atas jalannya pengurusan which is responsible for managing the Company
Perseroan untuk kepentingan Perseroan serta for the benefit of the Company and in accordance
sesuai dengan maksud dan tujuan Perseroan. with the aims and objectives of the Company.
Direksi memiliki wewenang serta bertugas The Board of Directors has the authority and
dan bertanggung jawab secara kolegial dalam duty and collegial responsibility in managing the
mengelola Bank. Secara garis besar, masing- Bank. Broadly speaking, each Director can carry
masing Direktur dapat melaksanakan tugas out their duties and make decisions in accordance
dan mengambil keputusan sesuai dengan with the division of tasks and authority. The Board
pembagian tugas dan wewenangnya. Direksi of Directors is responsible for managing the
bertanggung jawab terhadap pengelolaan Company so as to generate profits and ensure the
Perseroan agar dapat menghasilkan keuntungan sustainability of the Bank’s business in accordance
dan memastikan kesinambungan usaha Bank with the articles of association and legislation.
sesuai dengan anggaran dasar dan peraturan
perundang-undangan.
Tugas dan Tanggung Jawab Direksi Duties and Responsibilities of The Board of Directors
Direksi bertugas untuk menjalankan The Board of Directors has the duty to carry out
pengurusan Perseroan melalui setiap tindakan the management of the Company through every
dan kebijakan yang dianggap tepat. Atas dasar action and policy deemed appropriate. On this
tersebut, Direksi bertanggung jawab penuh atas basis, the Board of Directors is fully responsible
pelaksanaan kepengurusan Perseroan untuk for the implementation of the management of the
kepentingan Perseroan serta sesuai dengan Company for the benefit of the Company and in
maksud dan tujuan Perseroan yang telah accordance with the aims and objectives of the
ditetapkan dalam Anggaran Dasar Perseroan Company as stipulated in the Articles of Association
maupun diatur dalam peraturan perundang- of the Company and regulated in legislation, in
undangan, dengan itikad baik, penuh tanggung good faith, full of responsibility and prudence.
jawab dan kehati-hatian.
Penetapan tugas masing-masing anggota The determination of the duties of each member of the
Direksi dilaksanakan sesuai dengan bidang Board of Directors is carried out in accordance with the
keahlian masing-masing anggota Direksi. area of expertise of each member of the Board of Directors.
Dalam hal RUPS tidak menetapkan keputusan In the event that the GMS does not stipulate a decision
mengenai penetapan tugas bagi masing-masing regarding the assignment of duties for each member of the
anggota Direksi, penetapan tugas masing- Board of Directors, the determination of the duties of each
masing anggota Direksi ditetapkan berdasarkan member of the Board of Directors is determined based on
keputusan rapat Direksi. a decision of the Board of Directors meeting.
Direksi memiliki tanggung jawab untuk: Directors have the responsibility to:
1. Mengelola Perseroan sesuai dengan 1. Manage the Company in accordance with its
kewenangan dan tanggung jawabnya authority and responsibilities as regulated
sebagaimana diatur di dalam Anggaran in the Company’s Articles of Association and
Dasar Perseroan dan peraturan perundang- applicable laws and regulations.
undangan yang berlaku.
2. Mempertanggungjawabkan pelaksanaan 2. Accountable for the implementation of its
tugasnya kepada Pemegang Saham melalui duties to Shareholders through the GMS.
RUPS.
3. Mengurus kekayaan Perseroan sesuai 3. Manage the Company’s assets in accordance
dengan peraturan perundang-undangan with the prevailing laws and regulations.
yang berlaku.
4. Menyediakan data dan informasi yang 4. Provide accurate, relevant and timely data and
akurat, relevan dan tepat waktu kepada information to the Board of Commissioners.
Dewan Komisaris.
5. Menyampaikan rencana kerja tahunan dan 5. Submitting the annual work plan and financial
laporan keuangan Perseroan sesuai dengan statements of the Company in accordance with
ketentuan yang berlaku. applicable regulations.
6. Membuat laporan tahunan dan laporan 6. Making annual reports and company financial
keuangan perseroan sesuai dengan reports in accordance with applicable
ketentuan yang berlaku. regulations.
7. Menyerahkan laporan tahunan Perseroan 7. Submit the Company’s annual report to the
kepada akuntan publik yang ditunjuk oleh public accountant appointed by the GMS for
RUPS untuk diperiksa. Hasil pemeriksaan review. The results of the examination of the
akuntan publik tersebut disampaikan secara public accountant will be submitted in writing
tertulis kepada Pemegang Saham dalam to the Shareholders at the Annual GMS.
RUPS Tahunan.
8. Menyusun pedoman dan tata tertib kerja 8. Compiling guidelines and work rules for the
Direksi yang bersifat mengikat bagi setiap Directors that are binding for each member of
anggota Direksi. the Board of Directors.
9. Menerapkan manajemen risiko dan 9. Implement risk management and the
penerapan tata perusahaan yang baik application of good corporate governance in
(Good Corporate Goverenance) dalam setiap every business activity of the Company at all
kegiatan usaha Perseroan pada seluruh levels of the organization.
jenjang organisasi.
10. Menyelenggarakan RUPS Tahunan dan 10. Organize the Annual GMS and Extraordinary
RUPS Luar Biasa sebagaimana diatur GMS as stipulated in the legislation and the
dalam peraturan perundang-undangan dan Company’s Articles of Association.
Anggaran Dasar Perseroan.
11. Menetapkan kebijakan Perseroan 11. Establish Company policies based on the
berdasarkan persetujuan Dewan Komisaris approval of the Board of Commissioners in
dalam menjalankan kepengurusan carrying out the management of the company,
Adapun wewenang Direksi adalah sebagai The authority of the Directors is as follows:
berikut:
1. Mengangkat dan memberhentikan Pegawai 1. Appoint and dismiss Bank employees.
Bank.
2. Mengatur ketentuan-ketentuan tentang 2. Regulates provisions on employment including
kepegawaian termasuk menetapkan determining salary, pension or old age savings
gaji, pensiun atau jaminan hari tua dan and other income for Bank employees.
penghasilan lainnya bagi para pegawai Bank.
3. Mengatur ketentuan-ketentuan mengenai 3. Regulate provisions regarding the provision of
pemberian bantuan hukum bagi pegawai legal assistance for Bank employees as well as
Bank maupun mantan Pegawai Bank former Bank Employees in relation to official
sepanjang terkait tugas kedinasan, dengan duties, with prior consultation with the Board
terlebih dahulu dikonsultasikan kepada of Commissioners.
Dewan Komisaris.
4. Melakukan hapus tagih terhadap bunga, 4. Perform write-offs on interest, penalties and/
denda dan/atau biaya lainnya selain pokok or other costs other than the loan principal,
kredit, dengan tetap berpedoman kepada while still referring to the applicable laws and
peraturan perundang-undangan yang regulations.
berlaku.
5. Mewakili Perseroan di dalam dan di luar 5. Represent the Company in and out of court
pengadilan tentang segala hal dan dalam regarding all matters and in all incidents,
segala kejadian, mengikat Perseroan binding the Company with other parties and
dengan pihak lain dan pihak lain dengan other parties with the Company, and carrying
Perseroan, serta menjalankan segala out all actions both in terms of management
tindakan baik mengenai pengurusan and ownership.
maupun kepemilikan.
6. Untuk perbuatan tertentu Direksi dapat 6. For certain actions, the Board of Directors may
mengangkat seorang atau lebih, sebagai appoint one or more, as representatives or
wakil atau kuasanya dengan memberikan proxies by granting him the power regulated in
kepadanya kekuasaan yang diatur dalam the power of attorney.
surat kuasa.
7. Melaksanakan perbuatan lainnya sesuai 7. Conduct other actions in accordance with
dengan ketentuan yang berlaku dengan applicable regulations while still observing the
tetap memperhatikan persetujuan Dewan approval of the Board of Commissioners and
Komisaris maupun RUPS. the GMS.
8. Mengambil keputusan yang mengikat dan 8. Take binding decisions and become the
menjadi tanggung jawab seluruh anggota responsibility of all members of the Board of
Direksi sepanjang keputusan yang diambil Directors as long as the decisions taken are in
telah sesuai dengan pedoman dan tata accordance with the guidelines and work rules
tertib kerja Direksi. of the Board of Directors.
Direksi mempunyai hak untuk mendapatkan The Board of Directors has the right to receive
remunerasi, tunjangan serta fasilitas yang remuneration, benefits and facilities, the amount
jumlahnya ditetapkan oleh RUPS dengan of which is determined by the GMS, taking into
memperhatikan ketentuan yang berlaku. account the applicable provisions. The provisions
Ketentuan mengenai hak Direksi Bank tersebut regarding the rights of the Bank’s Board of Directors
mutatis mutandis berlaku bagi anggota Dewan mutatis mutandis apply to members of the Board
Komisaris. of Commissioners.
Masa jabatan anggota Direksi terhitung The term of office of a member of the Board of
sejak tanggal ditetapkannya dalam Rapat Directors commences from the date of stipulation
Umum Pemegang Saham pengangkatannya at the appointment of the General Meeting of
dan berakhir pada penutupan Rapat Umum Shareholders and ends at the close of the 5th
Pemegang Saham Tahunan yang ke-5 (lima) Annual General Meeting of Shareholders after the
setelah tanggal pengangkatannya, kecuali date of appointment, unless otherwise stipulated
apabila ditentukan lain oleh Rapat Umum by the General Meeting of Shareholders and can
Pemegang Saham dan dapat diangkat kembali. be reappointed.
rendahnya 1 (satu) tingkat di bawah Direksi level below the Board of Directors for candidates
bagi calon Direksi bagi calon Direktur dan for Directors for candidates for Directors and
serendah-rendahnya Direktur bagi calon as low as Directors for candidates for President
Direktur Utama yang berasal dari Bank Director who are from the book-3 Group Bank.
Kelompok BUKU 3.
15. Wajib mempunyai latar belakang dan 15. Must have background and operational experience
pengalaman operasional Bank Umum Devisa of a Foreign Exchange Commercial Bank with the
dengan jabatan terakhir yang setingkat, bagi last position of the same level, for the candidates for
calon Direktur Utama dan calon Direktur President Director and candidates for Directors who
yang berasal dari Bank kelompok BUKU 2. are from the book-2 Group Bank.
16. Wajib menjabat sebagai anggota Direksi 16. Must serve as a member of the Company’s
Perseroan bagi calon Direktur Utama yang Board of Directors for prospective President
berasal dari Perseroan. Directors who are from the Company.
17. Wajib menjabat sebagai eksekutif dengan 17. Must be an executive with one level below the
jabatan satu tingkat di bawah Direksi atau Board of Directors or as low as Division Heads,
serendah-rendahnya Pemimpin Divisi, including those currently being assigned by
termasuk yang sedang dalam penugasan the Company to candidates for Directors from
oleh Perseroan bagi calon Direktur yang within the Company.
berasal dari dalam Perseroan.
Komisaris tidak boleh ada hubungan and members of the Board of Commissioners,
keluarga sampai dengan derajat kedua, baik there must not be family relations up to the
menurut garis lurus maupun ke samping, second degree, either in a straight line or
termasuk menantu dan ipar. sideways, including in-laws and in-laws.
Kebijakan Tata Tertib Kerja Direksi Board of Directors ‘Work Policies
Direksi memiliki Pedoman Kerja Direksi The Board of Directors has Directors ‘Work
berdasarkan Surat Keputusan Direksi Nomor Guidelines based on Directors’ Decree Number
0077/SK/DIR-CS/2019 tanggal 14 Januari 2019 0077/SK/DIR-CS/2019 dated January 14th, 2019 on
tentang Kebijakan Tata Tertib Kerja Direksi the Board of Directors Work Procedure Policy which
yang menjelaskan tahapan aktivitas secara explains the stages of activities in a structured,
terstruktur, sistematis, mudah dipahami dan systematic, easily understood and consistent
dapat dijalankan dengan konsisten, serta manner, and serves as a reference for Directors in
menjadi acuan bagi Direksi dalam melaksanakan carrying out their respective duties to achieve the
tugas masing-masing untuk mencapai Visi dan Vision and Mission of the Company.
Misi Perseroan.
Kebijakan Tata Tertib Kerja Direksi mengacu The Board of Directors Work Policy refers to the
pada prinsip-prinsip hukum Bank, ketentuan Bank’s legal principles, provisions of the articles of
anggaran dasar, peraturan perundang- association, applicable laws and regulations, as well
undangan yang berlaku, serta praktik-praktik as GCG best practices. The Board of Directors Work
terbaik (best practices) GCG. Kebijakan Tata Policy as a foundation for the Directors in carrying
Tertib Kerja Direksi sebagai landasan bagi Direksi out their duties and responsibilities effectively,
dalam melaksanakan tugas dan tanggung efficiently, taking into account the principles
jawab secara efektif, efisien, memperhatikan of openness, accountability, responsibility,
prinsip-prinsip keterbukaan, akuntabilitas, independence and fairness, so that the Company’s
pertanggungjawaban, independen dan internal control and risk management can be
kewajaran, sehingga internal kontrol dan carried out properly.
manajemen risiko Perseroan dapat terlaksana
dengan baik.
Adapun isi Kebijakan Tata Tertib Kerja Direksi The contents of the bank bjb’s Board of Directors
bank bjb yaitu: Work Policy are:
I. Pendahuluan I. Introduction
II. Organisasi dan Kewenangan II. Organization and Authority
III. Nilai-nilai III. Values
IV. Waktu Kerja IV. Working time
V. Rapat Direksi V. Directors’ Meeting
VI. Evaluasi Kinerja VI. Performance evaluation
VII. Pelaporan dan Pertanggungjawaban VII.Reporting and Liability
Komposisi dan Dasar Pengangkatan Direksi Composition and The Basis of The Board of Directors
Perseroan dipimpin oleh Direksi yang terdiri The Company is led by a Board of Directors
dari sekurang-kurangnya 3 (tiga) orang anggota consisting of at least 3 (three) members and one of
dan seorang diantaranya diangkat sebagai them is appointed as the President Director. During
Direktur Utama. Selama tahun 2019, Komposisi 2019, the composition of the members of the bank
anggota Direksi bank bjb mengalami perubahan bjb’s Board of Directors changed as described
sebagaimana penjelasan berikut. below.
Komposisi dan Dasar Pengangkatan Direksi Composition and Basis of The Board of Directors
Sebelum RUPS Tahunan 2019 Before The 2019 Annual General Meeting of
Shareholders
Komposisi Direksi sebelum RUPS Tahunan The composition of the Board of Directors before the
2019 tanggal 30 April 2019 sebanyak 4 (empat) 2019 Annual General Meeting of Shareholders on
orang yang terdiri dari 1 (satu) orang Direktur April 30, 2019 consisted of 4 (four) people consisting
Kepatuhan dan Manajemen Risiko yang of 1 (one) Compliance and Risk Management
melaksanakan tugas sebagai Direktur Utama Director who carried out his duties as President
dan 3 (tiga) orang Direktur. Seluruh anggota Director and 3 (three) Directors. All members of the
Direksi berdomisili di wilayah kerja Kantor bank Board of Directors reside in the working area of
bjb. Komposisi dan dasar pengangkatan Direksi the bank bjb office. The composition and basis for
dapat dilihat pada tabel di bawah ini. appointment of Directors can be seen in the table
below.
Komposisi dan Dasar Pengangkatan Direksi Composition and Basis of The Board of Directors
Setelah RUPS Tahunan 2019 After The Annual GMS 2019
Melalui RUPS Tahunan 2019 tanggal 30 Through the 2019 Annual GMS on 30 April 2019, the
April 2019, RUPS memutuskan untuk GMS decided to dismiss Mrs. Fermiyanti as Director
memberhentikan Ibu Fermiyanti selaku Direktur Operations and Mr. Agus Mulyana as Director of
Operasional dan Bapak Agus Mulyana selaku Compliance and Risk Management who carry out
Direktur Kepatuhan dan Manajemen Risiko yang his duties as President Director. Then reappointed
melaksanakan tugas sebagai Direktur Utama. Mr. Agus Mulyana as Compliance Director. In
Kemudian mengangkat kembali Bapak Agus addition, the GMS decided to appoint Mr. Yuddy
Mulyana sebagai Direktur Kepatuhan. Selain itu, Renaldi as President Director, Mr. Tedi Setiawan
RUPS memutuskan untuk mengangkat Bapak as Director of Operations, Mr. Beny Riswandi as
Yuddy Renaldi selaku Direktur Utama, Bapak Commercial Director & MSME and Mr. Rio Lanasier
Tedi Setiawan selaku Direktur Operasional, as Director of Information Technology, Treasury &
Bapak Beny Riswandi selaku Direktur Komersial International Banking.
& UMKM serta Bapak Rio Lanasier selaku
Direktur Information Technology, Treasury &
International Banking.
Sehingga komposisi Direksi setelah RUPS Thus, the Board of Directors composition after the
Tahunan 2019 sebanyak 7 (tujuh) orang yang 2019 Annual General Meeting of Shareholders is
terdiri dari 1 (satu) orang Direktur Utama dan 6 7 (seven) people consisting of 1 (one) President
(enam) orang Direktur. Seluruh anggota Direksi Director and 6 (six) Directors. All members of the
berdomisili di wilayah kerja Kantor bank bjb. Board of Directors reside in the working area of
Komposisi dan dasar pengangkatan Direksi the bank bjb office. The composition and basis for
dapat dilihat pada tabel di bawah ini. appointment of Directors can be seen in the table
below.
Nama Jabatan Pelaksana Dasar Pengangkatan Tanggal Efektif
Name Position Executor Rapture Basis Effective date
RUPS Tahunan tanggal 30 April 2019
Direktur Utama Otoritas Jasa Keuangan 3 Juli 2019
Yuddy Renaldi Annual General Meeting of Shareholders on
President Director Financial Fervices Authority July 3rd, 2019
April 30th, 2019
RUPS Tahunan tanggal 30 April 2019
Direktur Operasional Otoritas Jasa Keuangan 21 Juni 2019
Tedi Setiawan Annual General Meeting of Shareholders on
Director of Operations Financial Fervices Authority June 21st, 2019
April 30th, 2019
Direktur Komersial & Pembatalan pengangkatan
RUPS Tahunan tanggal 30 April 2019
UMKM Otoritas Jasa Keuangan oleh OJK
Beny Riswandi Annual General Meeting of Shareholders on
Director of Commercial Financial Fervices Authority Cancellation of appointment
April 30th, 2019
& SME by OJK
Direktur Information
Technology, Treasury &
RUPS Tahunan tanggal 30 April 2019
International Banking Otoritas Jasa Keuangan 21 Juni 2019
Rio Lanasier Annual General Meeting of Shareholders on
Director of Information Financial Fervices Authority June 21st, 2019
April 30th, 2019
Technology, Treasury &
International Banking
Direktur Keuangan & Akta RUPS Tahunan tanggal 28 Februari
Manajemen Risiko Otoritas Jasa Keuangan 2018 28 Februari 2018
Nia Kania
Director of Finance & Risk Financial Fervices Authority Deed of Annual General Meeting of February 28th, 2018
Management Shareholders on February 28th, 2018
Direktur Konsumer Akta RUPS Tahunan tanggal 28 Februari
& Ritel Otoritas Jasa Keuangan 2018 28 Februari 2018
Suartini
Director of Consumer Financial Fervices Authority Deed of Annual General Meeting of February 28th, 2018
& Retail Shareholders on February 28th, 2018
RUPS Tahunan tanggal 30 April 2019
Direktur Kepatuhan Otoritas Jasa Keuangan 30 April 2019
Agus Mulyana Annual General Meeting of Shareholders on
Director of Compliance Financial Fervices Authority April 30th, 2019
April 30th, 2019
Melalui Surat OJK perihal Penyampaian Salinan Through the OJK Letter regarding Submission
Keputusan atas Pengangkatan Pengurus PT Bank of a Copied Decision on the Appointment of
Pembangunan Daerah jawa Barat dan Banten Management of PT Bank Pembangunan Daerah
Tbk tanggal 21 Juni 2019, OJK menyatakan tidak in West Java and Banten Tbk on June 21st, 2019,
menyetujui pengangkatan Bapak Beny Riswandi OJK stated that it did not approve the appointment
sebagai Direktur Komersial dan UMKM karena of Mr. Beny Riswandi as Commercial and SMSE
belum memenuhi kriteria yang telah ditetapkan. Director because he did not meet the specified
bank bjb perlu menyelenggarakan RUPS untuk criteria. The bank bjb needs to hold a GMS to cancel
membatalkan pengangkatan Bapak Beny the appointment of Mr. Beny Riswandi. Thus, the
Riswandi. Sehingga komposisi Direksi menjadi composition of the Board of Directors becomes 6
6 (enam) orang yang terdiri dari 1 (satu) orang (six) people consisting of 1 (one) President Director
Direktur Utama dan 5 (lima) orang Direktur. and 5 (five) Directors. All members of the Board of
Seluruh anggota Direksi berdomisili di wilayah Directors reside in the working area of the bank bjb
kerja Kantor bank bjb. Komposisi dan dasar office. The composition and basis for appointment
pengangkatan Direksi dapat dilihat pada tabel of Directors can be seen in the table below.
di bawah ini.
Tedi Setiawan Direktur Operasional Otoritas Jasa Keuangan RUPS Tahunan tanggal 30 April 21 Juni 2019
Director of Operations Financial Fervices Authority 2019 June 21st, 2019
Annual General Meeting of Shareholders
on April 30th, 2019
Rio Lanasier Direktur Information Otoritas Jasa Keuangan RUPS Tahunan tanggal 30 April 21 Juni 2019
Technology, Treasury & Financial Fervices Authority 2019 June 21st, 2019
International Banking Annual General Meeting of Shareholders
Director of Information
Technology, Treasury & on April 30th, 2019
International Banking
Nia Kania Direktur Keuangan & Otoritas Jasa Keuangan Akta RUPS Tahunan tanggal 28 28 Februari 2018
Manajemen Risiko (Financial Fervices Authority Februari 2018 February 28th, 2018
Director of Finance & Risk Deed of Annual General Meeting of
Management
Shareholders on February 28th, 2018
Suartini Direktur Konsumer & Ritel Otoritas Jasa Keuangan Akta RUPS Tahunan tanggal 28 28 Februari 2018
yang melaksanakan tugas Financial Fervices Authority Februari 2018 February 28th, 2018
sebagai Direktur Komersial Deed of Annual General Meeting of
dan UMKM. Shareholders on February 28th, 2018
Director of Consumer & Retail
who carries out his duties as
Director of Commercial and
SME
Agus Mulyana Direktur Kepatuhan Otoritas Jasa Keuangan RUPS Tahunan tanggal 30 April 30 April 2019
Director of Compliance Financial Fervices Authority 2019 April 30th, 2019
Annual General Meeting of Shareholders
on April 30th, 2019
Program Orientasi Bagi Direksi Baru Orientation Program For New Board of Directors
Adapun program tersebut bertujuan untuk The program aims to provide an overview of
memberikan gambaran atas kegiatan bisnis, business activities, the Company’s future plans, work
rencana Perseroan ke depan, panduan kerja guidelines and others that are the responsibility
dan lainnya yang menjadi tanggung jawab of the Management which can be in the form of
Pengurus yang dapat berupa penyampaian submission of Company documents including:
dokumen Perseroan diantaranya:
1. Laporan Tahunan 1. Annual Report
2. Rencana Bisnis Bank 2. Bank Business Plan
3. Anggaran Dasar 3. Articles of Association
4. Kebijakan Tata Kelola Perusahaan 4. Corporate Governance Policy
5. Kode Etik Perusahaan 5. Code of Ethics for the Company
6. Program Kerja Direksi dan Komite di bawah 6. Work Programs of Directors and Committees
Direksi under the Directors
7. Pedoman Tata Tertib Direksi 7. Board of Directors Code of Conduct
8. Kebijakan Perkreditan Bank 8. Bank Credit Policy
Program orientasi bagi anggota Direksi baru di The orientation program for new members of the
tahun 2019 diselenggarakan melalui rapat-rapat Board of Directors in 2019 is conducted through
bersama Direksi dan unit-unit yang terkait. joint meetings with the Directors and related units.
Adapun pembidangan tugas Direksi adalah The assignment of duties for the Directors is as
sebagai berikut. follows.
* Efektif menjabat sejak tanggal 3 Juli 2019. | *Active in the position since July 3rd, 2019.
**Berhenti menjabat sejak tanggal 30 April 2019. | **Inactive from the position since April 30th, 2019.
***Efektif menjabat sejak tanggal 21 Juni 2019. | ***Active in the position since June 21st, 2019.
Direksi senantiasa bertindak independen, dalam The Directors always act independently, in the
arti tidak mempunyai benturan kepentingan sense that they do not have a conflict of interest
yang dapat mengganggu kemampuannya untuk that can interfere with their ability to carry out
melaksanakan tugas secara mandiri dan kritis, their duties independently and critically, both in
baik dalam hubungan satu sama lain maupun relation to each other and in relation to the Board
hubungan terhadap Dewan Komisaris. Direksi of Commissioners. The Board of Directors does
tidak memiliki hubungan keuangan, hubungan not have a financial relationship, management
kepengurusan, kepemilikan Saham dan/atau relationship, share ownership and/or family
hubungan keluarga dengan anggota Dewan relations with other members of the Board of
Komisaris, Direksi lainnya dan/atau Pemegang Commissioners, Directors and/or Controlling
Saham Pengendali atau hubungan dengan Shareholders or relationship with the Bank, so that
Bank, sehingga dapat melaksanakan tugas dan they can carry out their duties and responsibilities
tanggung jawabnya secara independen. independently.
Direktur Kepatuhan √ √ √ √ √ √ √
Agus Mulyana
Director of Compliance
* Efektif menjabat sejak tanggal 3 Juli 2019.| *Active in the position since July 3rd, 2019.
**Berhenti menjabat sejak tanggal 30 April 2019. | **Inactive from the position since April 30th, 2019.
***Efektif menjabat sejak tanggal 21 Juni 2019. | ***Active in the position since June 21st, 2019.
Anggota Direksi dilarang merangkap jabatan Members of the Board of Directors are prohibited
sebagai anggota Dewan Komisaris, Direksi from holding concurrent positions as members
atau pejabat eksekutif pada bank, perusahaan of the Board of Commissioners, Directors or
dan/atau lembaga lain. Tidak termasuk executive officers at banks, companies and/or
rangkap jabatan apabila anggota Direksi yang other institutions. Excludes concurrent positions if
bersangkutan bertanggung jawab terhadap the member of the Board of Directors concerned is
pengawasan atas penyertaan pada Perusahaan responsible for oversight of the participation in the
Anak Bank, menjalankan tugas fungsional Bank Subsidiary Company, carries out functional
sebagai anggota Dewan Komisaris pada duties as a member of the Board of Commissioners
Perusahaan anak bukan yang dikendalikan oleh in a subsidiary company not controlled by the
Bank, sepanjang tidak mengakibatkan yang Bank, as long as it does not result in the person
bersangkutan mengabaikan pelaksanaan tugas neglecting the implementation of the duties and
dan tanggung jawab sebagai anggota Direksi. responsibilities as a member of the Board of
Directors .
Dalam hal terjadi benturan kepentingan, In the event of a conflict of interest, members of
anggota Direksi dilarang mengambil tindakan the Board of Directors are prohibited from taking
yang dapat merugikan Bank atau merugikan actions that could harm the Bank or harm the
keuntungan Bank dan wajib mengungkapkan Bank’s profit and must disclose the conflict of
benturan kepentingan dimaksud dalam interest referred to in each decision. Disclosure of
setiap keputusan. Pengungkapan benturan conflicts of interest is included in each minutes of
kepentingan dicantumkan dalam setiap risalah the Board of Directors’ meeting, at least covering
rapat Direksi, paling kurang mencakup nama the names of Directors who have a conflict of
Direksi yang memiliki benturan kepentingan, interest, conflict of interest issues and the basis for
masalah benturan kepentingan dan dasar decision making.
pertimbangan pengambilan keputusan.
Dalam hal Bank mempunyai benturan If the Bank has a conflict of interest with the
kepentingan dengan kepentingan pribadi personal interests of a member of the Board of
seorang anggota Direksi, maka Bank akan diwakili Directors, then the Bank will be represented by
oleh anggota Direksi lainnya dan dalam hal Bank other members of the Board of Directors and in the
mempunyai kepentingan yang bertentangan event that the Bank has an interest that conflicts
dengan kepentingan seluruh anggota Direksi, with the interests of all members of the Board of
maka dalam hal ini Bank diwakili oleh Dewan Directors, in this case the Bank is represented by
Komisaris. the Board of Commissioners.
Direksi wajib mengungkapkan kepemilikan The Board of Directors must disclose share
Saham yang mencapai 5% (lima persen) atau ownership of 5% (five percent) or more, both at
lebih, baik pada Bank maupun pada perusahaan the Bank and at other companies domiciled inside
lain yang berkedudukan di dalam dan di luar and outside the country. Board of Directors’ share
negeri. Kepemilikan Saham Direksi dapat dilihat ownership can be seen in the table below.
pada tabel di bawah ini.
Kepemilikan Saham
Nama Jabatan Share Ownership
Name Position bank bjb Perusahaan Lain
bank bjb Other companies
Direktur Utama
Yuddy Renaldi* Nihil | None Nihil | None
President Director
Direktur Operasional
Fermiyanti** Nihil | None Nihil | None
Director of Operations
Direktur Operasional
Tedi Setiawan*** Nihil | None Nihil | None
Director of Operations
Direktur Information Technology, Treasury &
International Banking
Rio Lanasier*** Nihil | None Nihil | None
Director of Information Technology, Treasury & International
Banking
Direktur Keuangan & Manajemen Risiko 227.392 Nihil | None
Nia Kania
Director of Finance & Risk Management
Direktur Konsumer & Ritel yang melaksanakan tugas Nihil | None
sebagai Direktur Komersial dan UMKM.
Suartini 227.392
Director of Consumer & Retail who carries out his duties as
Director of Commercial and SME
Direktur Kepatuhan 227.392 Nihil | None
Agus Mulyana
Director of Compliance
* Efektif menjabat sejak tanggal 3 Juli 2019. | *Active in the position since July 3rd, 2019.
**Berhenti menjabat sejak tanggal 30 April 2019. | **Inactive from the position since April 30th, 2019.
***Efektif menjabat sejak tanggal 21 Juni 2019. | ***Active in the position since June 21st, 2019.
Setiap kebijakan dan keputusan strategis, Every policy and strategic decision must be decided
wajib diputuskan dalam rapat Direksi. Rapat in a meeting of the Directors. Meetings of the Board
Direksi dapat diadakan setiap waktu bila of Directors may be held at any time if deemed
mana dipandang perlu oleh seorang atau necessary by one or more members of the Board of
lebih anggota Direksi atau atas permintaan Directors or at the written request of the Board of
tertulis dari Dewan Komisaris. Rapat Direksi Commissioners. Meetings of the Board of Directors
dilaksanakan sekurang-kurangnya 1 (satu) kali are held at least 1 (one) time in 1 (one) month.
dalam 1 (satu) bulan.
Rapat Direksi dipimpin oleh Direktur Utama, The Board of Directors meeting is chaired by the
dalam hal Direktur utama tidak dapat hadir atau President Director, in the event that the President
berhalangan hal mana tidak perlu dibuktikan Director is unable to attend or is unable to attend,
kepada pihak ketiga, maka rapat Direksi akan which does not need to be proven to a third party,
dipimpin oleh seorang yang dipilih oleh dan dari the Board of Directors meeting will be chaired
anggota Direksi yang hadir. Seorang anggota by someone chosen by and from the present
Direksi dapat diwakili dalam rapat Direksi hanya Directors. A member of the Board of Directors
oleh anggota Direksi lainnya berdasarkan suara may be represented at a meeting of the Board of
kuasa. Directors only by other members of the Board of
Directors based on a power of attorney.
Rapat Direksi dapat dilaksanakan melalui rapat Meetings of the Directors can be held through
dengan cara tatap muka atau melalui media meetings by face to face or through teleconference
teleconference atau media lainnya. Rapat Direksi media or other media. Board of Directors meetings
sah dan berhak mengambil keputusan yang are valid and have the right to make binding
mengikat hanya apabila lebih dari setengah decisions only if more than half of the total
dari jumlah anggota Direksi hadir atau diwakili members of the Board of Directors are present or
dalam rapat. represented at the meeting.
Sepanjang tahun 2019, agenda, tanggal dan Throughout 2019, the agenda, date and
peserta Rapat Direksi adalah sebagai berikut. participants of the Directors’ Meeting are as follows.
Hadir/Tidak Alasan
Tanggal Peserta Rapat Hadir ketidakhadiran
No. Agenda
Date Participants Present/ not Reasons for
present inabsence
1 8 Januari 2019 • Tindaklanjut permasalahan • Follow up problems with Agus Mulyana Hadir | Present
January 8th, pegawai di Kantor Cabang employees at the Saharjo
2019 Saharjo Branch Office Nia Kania Hadir | Present
Suartini Hadir | Present
Fermiyanti Hadir | Present
2 9 Januari 2019 • Persetujuan Kebijakan Tata • Approval of the Board of Agus Mulyana Hadir | Present
January 9th, Tertib Kerja Direksi Directors Policy
2019 • Persetujuan Kebijakan • Approval of Accounting Policies Nia Kania Hadir | Present
Akuntansi Suartini Hadir | Present
• Persetujuan Kebijakan • Legal Policy Approval
Hukum Fermiyanti Hadir | Present
• Persetujuan Kebijakan dana • Approval of Funds and Services
dan Jasa Policy
• Persetujuan Kebijakan • Information Technology Policy
Teknologi Informasi Approval
3 18 Januari • Tindaklanjut Pembahasan • Follow-Up Discussion of the Agus Mulyana Hadir | Present
2019 Rapat Dewan Komisaris Board of Commissioners’
January 18th, tentang Long Tem Insentive Meeting on the Long Term Nia Kania Hadir | Present
2019 (LTI) & Management and Incentive (LTI) & Management Suartini Hadir | Present
Employee Stock Option Plan and Employee Stock Option
(MESOP) Plan (MESOP) Hadir | Present
Fermiyanti
4 19 Februari • Pengisian Jabatan • Filling in the position of Agus Mulyana Hadir | Present
2019 pemimpin Divisi bjb leader of the bjb University
February 19th, University, Pengisian division, Filling in the position Nia Kania Hadir | Present
2019 Jabatan Direktur dana of Director of the bank bjb’s Suartini Hadir | Present
Pensiun bank bjb. Pension Fund.
Fermiyanti Hadir | Present
5 25 Februari • Pembahasan Penyesuaian • Discussion on the RBB Agus Mulyana Hadir | Present
2019 RBB Tahun 2019 -2021 Adjustment for 2019-2021
February 25th, • Persetujuan Implementasi • Approval for the Nia Kania Hadir | Present
2019 KPI Balanced Scorecard Implementation of the 2019 Suartini Hadir | Present
Tahun 2019 Balanced Scorecard KPI
• Persetujuan Kebijakan • Approval of Sustainable Fermiyanti Hadir | Present
Keuangan Berkelanjutan Financial Policies
• Pembahasan Tindaklanjut • Follow-up Discussion on APU
Laporan APU & PPT & PPT Reports
• Pembahasan Klasifikasi • Discussion on Branch
Cabang Classification
6 18 Maret 2019 • Pengisian Jabatan • Completion of Jatinangor Agus Mulyana Hadir | Present
March 18th, Pemimpin Cabang Branch Leader Position,
2019 Jatinangor, Refreshment Refreshment of Branch Leader Nia Kania Hadir | Present
Jabatan Pemimpin Position Suartini Hadir | Present
Cabang
Fermiyanti Hadir | Present
Hadir/Tidak Alasan
Tanggal Peserta Rapat Hadir ketidakhadiran
No. Agenda
Date Participants Present/ not Reasons for
present inabsence
7 5 April 2019 • Evaluasi dan Penetapan • Evaluation and Determination Agus Mulyana Hadir | Present
April 5th, 2019 Pejabat Eksekutif dalam of Executive Officers in the
masa probation (Pj) Probation Period (Pj) Nia Kania Hadir | Present
Suartini Hadir | Present
Fermiyanti Hadir | Present
8 10 April 2019 • Pemenuhan Kekosongan • Fulfillment of Branch Leader Agus Mulyana Hadir | Present
April 10th, 2019 Jabatan Pemimpin Vacancies
Cabang Nia Kania Hadir | Present
Suartini Hadir | Present
Fermiyanti Hadir | Present
9 30 April 2019 • Pembahasan Penyesuaian • Discussion on Adjustment to Agus Mulyana Hadir | Present
April 30th, 2019 Ketentuan Jasa Produksi Production Service Provisions
• Pembahasan Penyesuaian • Discussion on Adjustment to Nia Kania Hadir | Present
Ketentuan Insentif Prestasi Work Performance Incentive Suartini Hadir | Present
Kerja Provisions
• Pembayaran Sisa Jasa • Payment of Remaining Tidak Hadir Keperluan yang
Produksi Tahun Buku 2017 Production Services for the not Present tidak dapat
diwakilkan
2017 Fiscal Year Fermiyanti
Other business
that cannot be
represented
10 8 Mei 2019 • Struktur Pembidangan • Temporary Structure of field Agus Mulyana Hadir | Present
May 8th, 2019 Sementara
Nia Kania Hadir | Present
Hadir | Present
Suartini
11 27 Mei 2019 • Persetujuan Kebijakan • Approval of Bank Credit Policy Agus Mulyana Hadir | Present
May 27th, 2019 Perkreditan Bank (KPB) (KPB)
• Persetujuan Kebijakan • Operational Policy Approval Nia Kania Hadir | Present
Operasional Hadir | Present
• Pembahasan Penyesuaian • Discussion on 2019-2021 RBB Suartini
RBB Tahun 2019-2021 Adjustment
12 17 Juni 2019 • Pembahasan Penyesuaian • Discussion on 2019-2021 RBB Agus Mulyana Hadir | Present
June 17th, 2019 RBB Tahun 2019-2021 Adjustment
Nia Kania Hadir | Present
Hadir | Present
Suartini
13 24 Juni 2019 • Pembahasan Penyesuaian • Discussion on 2019-2021 RBB Agus Mulyana Hadir | Present
June 24th, 2019 RBB Tahun 2019-2021 Adjustment
Nia Kania Hadir | Present
Suartini Hadir | Present
14 2 Juli 2019 • Pembagian Bidang Tugas • Division of Directors’ Task Tedi Setiawan Hadir | Present
July 2nd, 2019 Direksi Areas
Rio Lanasier Hadir | Present
Nia Kania Hadir | Present
Suartini Hadir | Present
Agus Mulyana Hadir | Present
15 15 Juli 2019 • Struktur Organisasi bank • Organizational Structure of the Yuddy Renaldi Hadir | Present
July 15th, 2019 bjb bank bjb
• Pembagian Bidang Tugas • Division of Directors’ Task Tedi Setiawan Hadir | Present
Direksi Areas Rio Lanasier Hadir | Present
• Pembagian Koordinator • Distribution of Regional
Wilayah Coordinators Nia Kania Hadir | Present
Suartini Hadir | Present
Agus Mulyana Hadir | Present
Hadir/Tidak Alasan
Tanggal Peserta Rapat Hadir ketidakhadiran
No. Agenda
Date Participants Present/ not Reasons for
present inabsence
16 22 Juli 2019 • Presentasi Divisi Human • Presentation of the Human Yuddy Renaldi Hadir | Present
July 22nd, 2019 Capital terkait dengan Capital Division related to
pemenuhan kekosongan fulfilling executive vacancy and Tedi Setiawan Hadir | Present
jabatan eksekutif dan adjusting positions according Rio Lanasier Hadir | Present
penyesuaian jabatan sesuai to the new organizational
struktur organisasi baru structure Nia Kania Hadir | Present
• Pembahasan Penyesuaian • Discussion on Adjustment Suartini Hadir | Present
Ketentuan Pemberian to Provisions on Work
Insentif Prestasi Kerja Performance Incentives Agus Mulyana Hadir | Present
• Pembahasan Dampak • Discussion of the Impact of
Ketentuan Imbalan Pasca Post-Employment Benefits
Kerja (PSAK 24) Terhadap Provisions (PSAK 24) on
Kewajiban Pencandangan the Obligation of Employee
Imbalan Kerja Benefits
18 27 Agustus • Presentasi Divisi Human • Presentation of the Human Yuddy Renaldi Hadir | Present
2019 Capital terkait dengan Capital Division related to
August 27th, pemenuhan Jabatan the fulfillment of the Position Tedi Setiawan Hadir | Present
2019 Pemimpin Cabang of Sumedang Branch Leader Rio Lanasier Hadir | Present
Sumedang yang akan who will enter Retirement as of
memasuki Masa Pensiun September 1, 2019 Nia Kania Hadir | Present
per tanggal 1 September Suartini Hadir | Present
2019
• Presentasi Divisi Human • Presentation of the Human Agus Mulyana Hadir | Present
Capital – Pembahasan Capital Division - Discussion
Evaluasi Supervisi on Evaluation of the
DIreksi bank bjb Dalam Supervision of the Director
Pengelolaan dana of the bank bjb in Managing
Pensiun (Dapen) Yayasan Pension Funds (Dapen)
Kesejahteraan Pegawai Employee Welfare Foundation
(YKP) (YKP)
19 2 September • Pembahasan Arahan • Discussion of Annual Directors Yuddy Renaldi Hadir | Present
2019 Strategi Direksi Tahunan Strategy Direction (ASDT) in
September 2nd, (ASDT) Tahun 2020 2020 Tedi Setiawan Hadir | Present
2019 Rio Lanasier Hadir | Present
Nia Kania Hadir | Present
Suartini Hadir | Present
Agus Mulyana Hadir | Present
20 9 September • Pembahasan Arahan • Discussion of Annual Directors Yuddy Renaldi Hadir | Present
2019 Strategi Direksi Tahunan Strategy (ASDT) 2020
September 9th, (ASDT) Tahun 2020 Tedi Setiawan Hadir | Present
2019 • Presentasi Divisi Human • Presentation of the Human Rio Lanasier Hadir | Present
Capital - Fasilitas Pegawai Capital Division - Employee
ketentuan Imbalan Pasca Facilities provisions on Nia Kania Hadir | Present
Kerja Terhadap Kewajiban Post-employment Benefits to Suartini Hadir | Present
Cadangan Aktuaria Actuarial Reserves Obligations
Agus Mulyana Hadir | Present
Hadir/Tidak Alasan
Tanggal Peserta Rapat Hadir ketidakhadiran
No. Agenda
Date Participants Present/ not Reasons for
present inabsence
21 23 September • Pengadaan Penyedia Jasa • Procurement of bank bjb office Yuddy Renaldi Hadir | Present
2019 Office Support bank bjb support service providers for
September Periode Tahun 2020-2021 the period 2020-2021 Tedi Setiawan Hadir | Present
23rd, 2019 • Pengadaan Jasa • Procurement of Vehicle Rio Lanasier Hadir | Present
Pengelolaan Kendaraan Management Services for the
Dinas Operasional Sistem Operational Service of the Nia Kania Hadir | Present
Carpooling bank bjb bank bjb Carpooling System Suartini Hadir | Present
Periode Tahun 2020-2021 Period 2020-2021
• Penetapan Portofolio • Determination of Portfolio Agus Mulyana Hadir | Present
Guidelines Guidelines
• Interest Rate Risk in The • Interest Rate Risk in The
Banking Book (IRRBB) Banking Book (IRRBB)
22 30 September • Presentasi Divisi Human • Presentation of the Human Yuddy Renaldi Hadir | Present
2019 Capital - Pembahasan Capital Division - Discussion
September 30th, Fasilitas Pegawai Jabatan of Staff Facilities Regional CEO Tedi Setiawan Hadir | Present
2019 CEO Regional & Wakil Position & Deputy Branch Rio Lanasier Hadir | Present
Pemimpin Cabang Manager
• Presentasi Divisi Human • Presentation of the Human Nia Kania Hadir | Present
Capital - Pembahasan Capital Division - Discussion Suartini Hadir | Present
Evaluasi Pejabat Eksekutif on Evaluation of Executive
dengan Masa Probation Officers with Probation Period Agus Mulyana Hadir | Present
23 28 Oktober • Pembahasan RBB bank bjb • Discussion on bank bjb RBB Yuddy Renaldi Hadir | Present
2019 tahun 2020 - 2021 2020 - 2021
October 28th, • Rencana Aksi Keuangan • bank bjb Sustainable Financial Tedi Setiawan Hadir | Present
2019 Berkelanjutan (RKAB) bank Action Plan (RKAB) for 2020 Rio Lanasier Hadir | Present
bjb Tahun 2020 • Directors’ KPI Decisions
• Keputusan KPI Direksi Nia Kania Hadir | Present
Suartini Hadir | Present
Agus Mulyana Hadir | Present
24 4 November • Rencana Penambahan • The plan to increase the Yuddy Renaldi Hadir | Present
2019 Setoran Modal Kepada PT. capital contribution to PT. BPR
November 4th, BPR Karya Utam Jabar dan Karya Utam Jabar and PT. BPR Tedi Setiawan Hadir | Present
2019 PT. BPR Intan Jabar Intan Jabar Rio Lanasier Hadir | Present
• Pembahasan RBB bank bjb • Discussion of bank bjb RBB
Tahun 2020 -2022 2020-202022 Nia Kania Hadir | Present
• Persetujuan KPI Direksi • Approval of KPI Directors Suartini Hadir | Present
Agus Mulyana Hadir | Present
25 25 November • Pembahasan KPI Direksi • Discussion of Directors’ KPIs Yuddy Renaldi Hadir | Present
2019 • Pembahasan Recovery Plan • Discussion on the bank bjb’s
November 25th, bank bjb recovery plan Tedi Setiawan Hadir | Present
2019 • Pembahasan Dokumen • Discussion on Recovery Plan Rio Lanasier Hadir | Present
Recovery Plan Documents
• Opsi Pemulihan bank bjb • bank bjb recovery options Tidak Hadir Sakit
Nia Kania
• Pengesahan Dokumen • Ratification of the Recovery not Present Sick
Recovery Plan Plan Document Suartini Hadir | Present
Agus Mulyana Hadir | Present
26 9 Desember • Penetapan Limit • Determination of the Authority Yuddy Renaldi Hadir | Present
2019 Kewenangan Memutus limitto cutloan Based on
December 9th, Kredit Berdaarkan Kelas Branch Class Tedi Setiawan Hadir | Present
2019 Cabang Rio Lanasier Hadir | Present
Nia Kania Hadir | Present
Suartini Hadir | Present
Agus Mulyana Hadir | Present
Rapat Gabungan Direksi Mengundang Joint Meeting of Directors Inviting the Board of
Dewan Komisaris Commissioners
No. Tanggal Rapat Agenda Peserta Rapat – Kehadiran Keterangan Peserta Rapat - Kehadiran Keterangan
Date of Meeting Agenda Dewan Komisaris Presence Information Direksi Presence Information
Meeting Participants - Meeting
Board of Commissioners Participants -
Directors
1 28 Januari 2019 • Pembahasan Muhadi Hadir Agus Mulyana Tidak Hadir Dinas
January 28, 2019 Rencana Koreksi Present Not Present On duty
RBB Tahun 2019-
2021.
• Discussion on 2019- Nia Kania Hadir
2021 RBB Correction Present
Plan Yayat Sutaryat Hadir Suartini Tidak Hadir Dinas
Present Not Present On duty
Fermiyanti Hadir
Present
2 5 April 2019 • Persiapan RUPS Muhadi Hadir Agus Mulyana Hadir
April 5, 2019 Tahunan Tahunan. Present Present
• Pembahasan
Kebijakan Keuangan Nia Kania Hadir
Berkelanjutan Present
• Preparing the Annual
Yayat Sutaryat Hadir Suartini Hadir
Annual GMS.
Present Present
• Discussion on
Sustainable Financial Fermiyanti Hadir
Policies Present
4 13 November 2019 • Laporan Progress Farid Rahman Hadir Yuddy Renaldi Hadir
November 13, 2019 Gedung T-Tower Present Present
• T-Tower Building
Progress Report Eddy I. M. Nasution Hadir Tedi Setiawan Hadir
Present Present
Fahlino F. Sjuib Hadir Rio Lanasier Hadir
Present Present
Muhadi Hadir Nia Kania TIdak Hadir Dinas
Present Not Present On duty
Yayat Sutaryat Hadir Suartini Hadir
Present Present
Agus Mulyana TIdak Hadir Dinas
Not Present On duty
Agenda dan peserta rapat gabungan Dewan The agenda and participants of the joint meeting
Komisaris mengundang Direksi telah tersaji of the Board of Commissioners and the Board
pada bagian Rapat Dewan Komisaris Bab Tata of Directors have been presented in the Board of
Kelola Perusahaan dalam Laporan tahunan ini. Commissioners’ Meeting section of the Corporate
Governance Chapter in this Annual Report.
Frekuensi dan Kehadiran Rapat Direksi Frequency and Attendance of The Board of Directors
Selama tahun 2019, Direksi telah mengikuti rapat During 2019, the Board of Directors attended 27
Internal Direksi sebanyak 27 (dua puluh tujuh) (twenty seven) internal meetings of the Board of
kali serta Rapat Gabungan Dewan Komisaris Directors and 25 (twenty five) joint meetingvs of the
bersama Direksi sebanyak 25 (dua puluh lima) Board of Commissioners and the Board of Directors.
Kali. Adapun frekuensi dan kehadiran rapat The frequency and attendance of meetings for each
masing-masing anggota Direksi dapat dilihat member of the Board of Directors can be seen in
pada tabel di bawah ini. the table below.
Nama Jabatan Jumlah dan Persentase Kehadiran Jumlah dan Persentase Kehadiran
Name Position Number and Percentage of Attendance Number and Percentage of Attendance
Jumlah Jumlah
Jumlah Rapat Jumlah Rapat
Kehadiran Persentase Kehadiran Persentase
Number of Number of
Number of Percentage Number of Percentage
Meetings Meetings
Attendance Attendance
Sepanjang tahun 2019, Direksi telah During 2019, the Board of Directors has carried
melaksanakan tugas kepengurusan bank bjb out the bank bjb management duties as stated in
sebagaimana tercantum di Anggaran Dasar the Company’s Articles of Association, including:
Perseroan, di antaranya:
1. Pelaksanaan kepengurusan Bank. 1. Implementation of Bank management.
2. Pengelolaan aset dan keuangan Bank. 2. Management of Bank assets and finances.
3. Penyusunan perencanaan perusahaan, 3. Compilation of corporate plans, including the
antara lain RBB 2019. 2019 RBB.
4. Penyelenggaraan rapat Direksi, menghadiri 4. Organizing Board of Directors meetings, attending
rapat Dewan Komisaris dan RUPS. Board of Commissioners and GMS meetings.
5. Pengawasan dan perbaikan proses bisnis 5. Supervision and improvement of internal
internal. business processes.
6. Menetapkan Manajemen Risiko dan prinsip- 6. Establish Risk Management and GCG
prinsip GCG. principles.
7. Pemenuhan target kinerja Bank. 7. Meeting the Bank’s performance targets.
8. Pelaksanaan tugas lainnya terkait 8. Performing other tasks related to Bank
kepengurusan Bank. management.
Selama tahun 2019, Direksi telah Surat During 2019, the Directors have Decree as a form
Keputusan sebagai bentuk komitmen Perseroan of the Company’s commitment in managing the
dalam mengelola Perseroan menjadi lebih baik. Company to be better. Decrees that have been
Surat Keputusan yang telah diterbitkan antara issued include:
lain:
2 0077/SK/DIR-CS/2019 Kebijakan Tata Tertib Kerja Direksi Board of Directors Work Procedures Policy
4 0087/SK/DIR-HC/2019 SOP Pengelolaan Penghasilan dan Fasilitas SOP for Income Management and Staffing Facilities
Kepegawaian
5 0162/SK/DIR-MR/2019 Pedoman Pengelolaan Data Kerugian Risiko Guidelines for Managing Operational Risk Losses
Operasional (Loss Event Database) Data (Loss Events Database)
6 0165/SK/DIR-UM/2019 SOP Pengadaan Barang dan Jasa SOP on Procurement of Goods and Services
7 0336/SK/DIR-UEB/2019 Perubahan Kesatu SOP Uang Elektronik Change in One Electronic Money SOP
12 0288/SK/DIR-UEB/2019 SOP Layanan Perbankan Elektronik SOP for Electronic Banking Services
13 0363/SK/DIR-TR/2019 pedoman Kuotasi Suku Bunga Indikasi guideline for Indication of Interest Rates
14 0387/SK/DIR-DJK/2019 Perubahan Kesatu SOP Produk dana Amendment to the SOP of Product Funds
15 405/SK/DIR-KKON/2019 Perubahan Kesatu Standar Operasional Amendment to the Consumer Credit Standard
Prosedur (SOP) Kredit Konsumer
16 0416/SK/DIR-PSP/2019 Kebijakan Keuangan Berkelanjutan Sustainable Financial Policy
18 0478/SK/DIR-HC/2019 Perubahan atas SK Direksi No: 0087/SK/DIR- Amendment to Board of Directors’ Decree No: 0087/
HC/2019 tentang SOP Pengelolaan Penghasilan SK/DIR-HC/2019 about SOP for Income Management
dan Fasilitas Kepegawaian and Staffing Facilities
19 0511/SK/DIR-KKON/2019 Pencabutan SK Direksi Nomor: 099/SK/DIR- Revocation of the Decree of the Board of Directors
KKON/2013 tanggal 06 Februari 2013 tentang Number: 099/SK/DIR-KKON/2013 on February 6th,
SOP bjb Kredit Guna Bhakti Beserta Ketentuan 2013 about bjb SOP Bhakti Credit Together With
Terkait Lainnya Other Related Provisions
20 0622/SK/DIR-MR/2019 Kebijakan Perkreditan Bank Bank Credit Policy
23 0681/SK/DIR-CS/2019 Pedoman Pengelolaan Aktivitas Pasar Modal Guidelines for Managing Capital Market Activities
25 0684/SK/DIR-TIB/2019 SOP Trade Finance and Trade Services Transaction SOP Trade Finance and Trade Services Transaction
30 0704/SK/DIR-TR/2019 SOP Jasa Wali Amanat dan Jasa Lainnya SOP of Trustee Services and Other Services
32 0877/SK/DIR-KKON/2019 Perubahan Kedua atas SK Direksi 0568/SK/DIR- Second Amendment to Board of Directors Decree
KKON/2018 tentang Manual Produk bjb Kredit 0568/SK/ DIR-KKON/2018 about bjb Kredit Pra-
Pra Purna Bhakti Purna Bhakti Product Manual
33 0912/SK/DIR-HC/2019 Perubahan Kedua Atas SK 0087/SK/DIR- Second Amendment to SK 0087/SK/DIR-HC/2019
HC/2019 tentang SOP Pengelolaan Penghasilan about SOP for Managing Income and Staffing
dan Fasilitas Kepegawaian Facilities
36 0971/SK/DIR-KKK/2019 Pencabutan SK Direksi No: 560/SK/DIR- Revocation of Directors Decree No: 560/SK/DIR-
KPR/2015 tanggal 09 Juni 2015 tentang SOP Fee KPR/2015 on June 9th, 2015 about Marketing Fee
Marketing SOP
37 0978/SK/DIR-HCA/2019 Pedoman Spesifikasi Jabatan Job Specification Guidelines
40 1010/SK/DIR-HCA/2019 SOP Rekrutmen dan Seleksi Pegawai SOP for Employee Recruitment and Selection
46 1188/SK/DIR-DTB/2019 Standar Operasional Prosedur (SOP) Layanan Standard Operating Procedure (SOP) of Electronic
Perbankan Elektronik (LPE) Banking Services (LPE)
47
1218/SK/DIR-MAP/2019 Kebijakan Pengelolaan Penyertaan Modal, Management Policy for Equity Participation,
Divestasi dan Konglomerasi Keuangan Divestment and Financial Conglomerates
48
1103/SK/DIR-MRI/2019 Pedoman Metodologi Pengukuran Risiko Sektor Methodology Guidelines for Measuring Economic
Ekonomi Sector Risks
49
1312/SK/DIR-TRE/2019 Pedoman Kerja Asset and Liability Commitee Asset and Liability Committee (ALCO) Work
(ALCO) Guidelines
50
1265/SK/DIR-DPL/2019 SOP Tata Kelola dana Pensiun Lembaga SOP for Financial Institution Pension Fund (DPLK)
Keuangan (DPLK) Governance
51
1274/SK/DIR-KKO/2019 Standar Operasional Prosedur Kredit Segmen Standard Operating Procedures for Commercial
Komersial Segment Loans
52
1274/SK/DIR-KKO/2019 Standar Operasional Prosedur Kredit Segmen Standard Operating Procedures for Commercial
Komersial Segment Loans
53
1357/SK/DIR-CSE/2019 Pedoman Kesekretariatan & Protokoler Secretarial & Protocol Guidelines
54
1361/SK/DIR-HCA/2019 Standar Operasional Prosedur Pengelolaan Standard Operating Procedures for Managing
Fasilitas dan Penghasilan Pegawai Facilities and Employee Income
Hasil penilaian Direksi yang dilakukan oleh The results of the Board of Directors’ evaluation
Dewan Komisaris, tersebut disampaikan kepada conducted by the Board of Commissioners are
Pemegang Saham, untuk diputuskan di dalam submitted to the Shareholders, to be decided at
Rapat Umum Pemegang Saham Tahunan. the Annual General Meeting of Shareholders.
Pihak yang melakukan penilaian atas kinerja The parties who evaluate the performance of
Direksi adalah RUPS dan Dewan Komisaris. the Directors are the GMS and the Board of
Commissioners.
Penilaian Kinerja Direksi Berdasarkan Self Performance Assessment of The Board of Directors
Assessment GCG Based on GCG Self Assessment
Penilaian kinerja Direksi dilakukan melalui Self The performance evaluation of the Directors is
Assessment GCG yang disampaikan kepada conducted through the GCG Self Assessment which
Otoritas Jasa Keuangan berdasarkan pada is submitted to the OJK (Financial Services Authority)
Surat Edaran Otoritas Jasa Keuangan No. 13/ based on the Financial Services Authority Circular
SEOJK.03/2017 tentang Penerapan Tata Kelola No. 13/SEOJK.03/2017 about the Implementation
Bagi Bank Umum. Pelaksanaan Self Assessment of Governance for Commercial Banks. The GCG
GCG ini dilaksanakan secara periodik setiap Self Assessment is conducted periodically every
semester yang dilaporkan kepada OJK untuk semester and is reported to the OJK for approval.
mendapatkan persetujuan.
Kriteria Self Assessment Direksi terkait Directors’ Self Assessment Criteria related to GCG
pelaksanaan GCG dibagi menjadi 3 (tiga) implementation are divided into 3 (three) groups,
kelompok yaitu Governance Structure, Governance i.e. Governance Structure, Governance Process
Process dan Governance Outcome. Governance and Governance Outcome. Governance structure
structure terdiri dari 14 (empat belas) indikator, consists of 14 (fourteen) indicators, the Governance
Governance Process terdiri dari 17 (tujuh belas) Process consists of 17 (seventeen) indicators,
indikator sedangkan governance outcome terdiri and the governance outcome consists of 6 (six)
dari 6 (enam) indikator. indicators.
Pihak yang melakukan Self Assessment GCG The parties conducting GCG Self Assessment are the
adalah Direksi dan Dewan Komisaris yang harus Directors and Board of Commissioners who must
mendapatkan persetujuan dan pengawasan obtain approval and supervision from the OJK.
dari OJK.
Penilaian Kinerja Komite di Bawah Direksi dan Performance Assessment of The Committee Under
Dasar Penilaiannya The Board of Directors and The Basis of The
Assessment
Dalam melaksanaan tugas kepengurusannya, In conducting its management tasks, the Board of
Direksi juga dibantu oleh Komite di bawah Directors is also assisted by Committees under the Board
Direksi sebanyak 5 (lima) Komite, yaitu: of Directors. There are 5 (five) Committees, namely:
1. Komite Manajemen Risiko 1. Risk Management Committee
2. Komite Kebijakan Perkreditan 2. Credit Policy Committee
3. IT Steering Committee 3. IT Steering Committee
4. Komite Manajemen Risiko Terintegrasi 4. Integrated Risk Management Committee
5. Assets and Liability Committee (ALCO) 5. Assets and Liability Committee (ALCO)
Selama tahun 2019, Direksi menilai bahwa During 2019, the Board of Directors considered
komite-komite di bawah Direksi telah that the committees under the Board of Directors
menjalankan tugas dan tanggungjawabnya have conducted their duties and responsibilities
dengan baik. well.
Komite Manajemen Risiko merupakan komite The Risk Management Committee is a committee
yang dibentuk untuk membantu Direksi formed to assist the Board of Directors in
dalam mengembangkan budaya risiko dan developing a risk culture and setting direction
menetapkan arahan untuk seluruh aktivitas for all risk-taking activities. During 2019, the Risk
yang mengandung risiko. Selama tahun 2019, Management Committee held 2 (two) meetings and
Komite Manajemen Risiko telah melaksanakan conducted their duties properly.
2 (dua) kali rapat dan telah melaksanakan
tugasnya dengan baik.
Assets and Liability Committee (ALCO) merupakan The Assets and Liability Committee (ALCO) is a
komite yang dibentuk untuk membantu committee formed to assist the Board of Directors
Direksi dalam menetapkan strategi terhadap in determining strategies for controlling liquidation
pengendalian risiko likuidasi dan rentabilitas and profitability risks and making management
serta pengambilan keputusan manajemen decisions in the context of managing assets and
dalam rangka pengelolaan assets dan liability. liabilities. During 2019, the Assets and Liability
Selama tahun 2019, Assets and Liability Committee (ALCO) has held 14 (fourteen) meetings
Committee (ALCO) telah melaksanakan 14 and has carried out its duties properly.
(empat belas) kali rapat dan telah melaksanakan
tugasnya dengan baik.
Anggota Direksi diangkat dan diberhentikan Members of the Board of Directors are appointed
oleh RUPS dengan persyaratan dan tata cara and dismissed by the GMS with the requirements
yang telah ditetapkan di dalam Anggaran Dasar and procedures set out in the Articles of Association
serta peraturan perundang-undangan yang and applicable laws and regulations. Directors are
berlaku. Direksi diangkat untuk jangka waktu appointed for a certain period and end if:
tertentu dan berakhir apabila:
1. Kehilangan Kewarganegaraan Indonesia. 1. Loss of Indonesian Citizenship.
2. Mengundurkan diri dengan memperhatikan 2. Resign by observing the applicable provisions.
ketentuan yang berlaku.
3. Meninggal dunia. 3. Died.
4. Masa jabatannya berakhir, kecuali diangkat 4. His term of office expires, unless reappointed in
kembali sesuai dengan ketentuan yang accordance with applicable regulations.
berlaku.
5. Diberhentikan berdasarkan keputusan 5. Dismissed based on the GMS decision on the
RUPS atas dasar: basis of:
a. Tidak lagi memenuhi persyaratan yang a. No longer meets the applicable requirements.
berlaku.
b. Tidak menjalankan fungsinya dengan baik b. Not carrying out its functions properly in
sesuai dengan ketentuan yang berlaku. accordance with applicable regulations.
Organ dan Komite di Bawah Dewan Organs and Committees Under The Board
Komisaris of Commissioners
Dalam rangka mendukung efektivitas tugas dan In order to support the effectiveness of their duties
tanggungjawabnya, Dewan Komisaris dibantu and responsibilities, the Board of Commissioners
oleh Sekretaris Dewan Komisaris dan Komite- is assisted by the Secretary of the Board of
komite yang bertanggung jawab kepada Dewan Commissioners and Committees that are responsible
Komisaris, antara lain: to the Board of Commissioners, namely:
1. Komite Audit 1. Audit Committee
2. Komite Pemantau Risiko 2. Risk Monitoring Committee
3. Komite Nominasi dan Remunerasi 3. Nomination and Remuneration Committee
4. Komite Tata Kelola Terintegrasi 4. Integrated Governance Committee
Sekretaris Dewan Komisaris adalah organ The Secretary of the Board of Commissioners is the
Dewan Komisaris yang diangkat oleh Perseroan organ of the Board of Commissioners appointed
yang bertugas membantu kelancaran by the Company whose task is to assist with
kegiatan administrasi pelaksanaan tugas dan the smooth running of administrative activities
tanggung jawab Dewan Komisaris. Sekretaris carrying out the duties and responsibilities of the
Dewan Komisaris bertanggung jawab kepada Board of Commissioners. The Secretary of the
Direktur Utama. Sekretaris Dewan Komisaris Board of Commissioners is responsible to the
bertanggung jawab untuk mengkoordinasikan President Director. The Secretary of the Board of
kegiatan identifikasi, perencanaan dan Commissioners is responsible for coordinating the
pelaksanaan strategi pengelolaan kegiatan identification, planning and implementation of
kesekretariatan dan protokoler Dewan Komisaris strategies for managing the secretariat activities
demi terciptanya fungsi Kesekretariatan and protocols of the Board of Commissioners for
Dewan Komisaris yang berjalan efektif, efisien the creation of the Secretariat function of the Board
dan mendukung kelancaran aktivitas Dewan of Commissioners that runs effectively, efficiently
Komisaris. and supports the smooth activities of the Board of
Commissioners.
Tugas dan Tanggung Jawab Sekretaris Duties and Responsibilities of The Board of
Dewan Komisaris Commissioners
Secara struktural Sekretaris Dewan Komisaris IStructurally the Secretary of the Board of
bertanggung jawab langsung kepada Direktur Commissioners reports directly to the President
Utama dan secara fungsional bertanggung Director and functionally reports directly to
jawab langsung kepada Dewan Komisaris. the Board of Commissioners. The duties and
Adapun tugas dan tanggung jawab Sekretaris responsibilities of the Secretary of the Board of
Dewan Komisaris meliputi: Commissioners include:
1. Mengelola penyusunan kebijakan dan/ 1. Manage the preparation of policies and/
prosedur bidang corporate secretary procedures in the field of corporate secretary
a. Menyusun Pedoman tata tertib Dewan a. Prepare the Board of Commissioners Code
Komisaris. of Conduct.
b. Menyusun Pedoman tata tertib Komite b. Preparing the Board of Commissioners
Dewan Komisaris. Committee Rules of Procedure.
c. Menyusun kebijakan dan/atau prosedur c. Formulate other policies and/or procedures
lain terkait Kesekretariatan Dewan related to the Secretariat of the Board of
Komisaris. Commissioners.
2. Mengelola rencana dan aktivitas reward 2. Manage plans and reward management
management untuk Dewan Komisaris. activities for the Board of Commissioners.
a. Pengelolaan administrasi penghasilan, a. Managing the administration of income,
tunjangan dan fasilitas bagi Dewan benefits and facilities for the Board of
Komisaris. Commissioners.
b. Pengelolaan administrasi remunerasi b. Management of remuneration
dan fasilitas anggota Komite Dewan administration and facilities of Committee
Komisaris. members of the Commissars.
c. Laporan administrasi remunerasi Dewan c. Report on the remuneration administration
of the Board of Commissioners and
Komisaris dan anggota Komite Dewan members of the Board of Commissioners
Komisaris. Committee.
3. Mengelola kegiatan kesekretariatan 3. Managing corporate secretarial activities for
perusahaan untuk Dewan Komisaris. the Board of Commissioners.
a. Strategi dan rencana pengelolaan a. Strategy and plan for managing the Board
kegiatan kesekretariatan Dewan of Commissioners’ secretarial activities.
Komisaris. b. Secretariat and protocol report of the
b. Laporan aktivitas kesekretariatan dan Board of Commissioners and/or Committee
protokoler Dewan Komisaris dan/atau (monitoring and evaluation).
Komite (monitoring dan evaluasi). c. Report on the activities of the Board
c. Laporan kegiatan Dewan Komisaris dan/ of Commissioners and/or Committee
atau Komite (monitoring dan evaluasi). (monitoring and evaluation).
d. Laporan atas notula rapat Dewan d. Report on minutes of meetings of the
Komisaris dan/atau rapat Komite Dewan Board of Commissioners and/or Committee
Komisaris (monitoring dan evaluasi). meetings (monitoring and evaluation).
Sekretaris Dewan Komisaris dijabat oleh The Secretary of the Board of Commissioners is
Irwan Riswandi. Beliau menjabat sebagai held by Irwan Riswandi. He serves as the Board
Sekretaris Dewan Komisaris sejak 23 April 2015 SecretaryCommissioner since April 23rd, 2015
berdasarkan Surat Keputusan Direksi Nomor based on Directors Decree Number 0366/SK/DIR-
0366/SK/DIR-SDM/2015. SDM/2015.
Tempat dan Tanggal Lahir : Garut, 15 April 1975 Place and Date of Birth: Garut, April 15th, 1975
Usia : 44 Tahun Age: 44 years old
Domisili : Bandung Address: Bandung
Riwayat Pendidikan : Educational background :
Meraih gelar Sarjana di bidang Ekonomi dari He holds a Bachelor’s degree in Economics from the
Universitas Pasundan Bandung tahun 1999 dan gelar Bandung Pasundan University in 1999 and a Master in
Magister Manajemen dari Universitas Padjadjaran Management from Padjadjaran University Bandung in
Bandung tahun 2011. 2011.
Riwayat Jabatan: Position History:
Irwan Riswandi
Bergabung di Perseroan sejak 2003 dan menempati Joined the Company in 2003 and has held various
Sekretaris Dewan berbagai posisi jabatan antara lain: positions including:
Komisaris • Pelaksana tahun 2003-2005 • Implementer the year 2003-2005
Secretary of the Board of • Asisten pelayanan 2005-2006 • Service assistant 2005-2006
Commissioners • Asisten teller 2007-2008 • TellerAssistant 2007-2008
• Asisten pemasaran dalam negeri 2008 • Domestic marketing assistant 2008
• Asisten analisa Kredit Mikro Utama 2008-2009 • Main Micro Credit Analysis Assistant 2008-2009
• Asisten Tim IPO 2009-2010 • IPO Team Assistant 2009-2010
• Staf Investor Relations 2010-2011 • Investor Relations Staff 2010-2011
• Staf setingkat Manager 2012-2013 • Manager-level staff 2012-2013
• Manager Grup Hubungan Investor 2013-2014 • Investor Relations Group Manager 2013-2014
Manual Book Direksi dan Dewan Komisaris Bank Bali, 07 November 2019 ASBANDA (Asosiasi Bank Pembangunan
Serta Code of Conduct Bali, November 7, 2019 Daerah)
Bank’s Board of Directors and Board of ASBANDA (Regional Development Bank
Commissioners Manual Book and Code Of Conduct Association)
Peran Dewan Komisaris dan Direksi dalam Pontianak, 14-15 November 2019 ASBANDA (Asosiasi Bank Pembangunan
Pencegahan, Deteksi dan Investigasi Fraud di Pontianak, 14-15 November 2019 Daerah)
Perbankan ASBANDA (Regional Development Bank
The Role of the Board of Commissioners and Association)
Directors in Fraud Prevention, Detection and
Investigation in Banking
Penguatan Permodalan BPD Dalam Rangka Lombok, 21-23 November 2019 ASBANDA (Asosiasi Bank Pembangunan
Meningkatkan Daya Saing dan Fungsi Agent of Lombok, 21-23 November 2019 Daerah)
Developement ASBANDA (Regional Development Bank
Strengthening BPD Capital in the Context of Association)
Increasing Competitiveness and Function of Agent of
Developement
Pelaksanaan Tugas Sekretaris Dewan The Implementation of The Secretary of The Board
Komisaris of Commissioners
Sepanjang tahun 2019, Sekretaris Dewan During 2019, the Secretary of the Board of
Komisaris telah melaksanakan kegiatan sebagai Commissioners carried out the following activities:
berikut:
1. Mengkoordinasikan kegiatan rapat Dewan 1. Coordinate the meetings of the Board of
Komisaris dan Komite di bawah Dewan Commissioners and Committees under the
Komisaris. Board of Commissioners.
2. Menjalankan fungsi sebagai notulis rapat/ 2. Performs the function of meeting minutes for
meeting Dewan Komisaris dan Komite di meetings of the Board of Commissioners and
bawah Dewan Komisaris. Committees under the Board of Commissioners.
3. Berkoordinasi dengan Divisi terkait untuk 3. Coordinate with related divisions to make
membuat dan memastikan tersedianya and ensure the availability of material,
materi, data, informasi yang diperlukan data, information needed by the Board of
Dewan Komisaris untuk Rapat. Commissioners for the Meeting.
4. Mengelola laporan khusus pelaksanaan 4. Manage special reports on the implementation
tugas Dewan Komisaris kepada lembaga of the duties of the Board of Commissioners to
eksternal. external institutions.
5. Mengkoordinasikan kegiatan protokoler 5. Coordinate protocoler activities for the Board
untuk Dewan Komisaris. of Commissioners.
6. Membantu Dewan Komisaris dan Komite di 6. Assist the Board of Commissioners and
bawah Dewan Komisaris dalam penyusunan Committees under the Board of Commissioners
Pedoman dan Tata Tertib Kerja. in preparing the Work Guidelines and Rules of
Procedure.
Komite Audit merupakan alat kelengkapan The Audit Committee is a complete tool of the Board
Dewan Komisaris yang berfungsi untuk of Commissioners whose function is to oversee the
melakukan pengawasaan atas efektivitas sistem effectiveness of the internal control system, internal
pengendalian internal, internal audit dan proses audit and financial reporting processes. The main
pelaporan keuangan. Fungsi utama Komite function of the Audit Committee is to assist the
Audit adalah membantu Dewan Komisaris Board of Commissioners in fulfilling their duties
memenuhi tugas dan tanggung jawabnya and responsibilities by reviewing financial reports
dengan menelaah laporan keuangan dan and other financial information before the Bank
informasi keuangan lainnya sebelum diberikan provides it to stakeholders and reviews the bank’s
Bank kepada stakeholders serta menelaah internal control system, and the effectiveness of the
sistem pengendalian internal bank, dan internal audit function.
efektivitas fungsi audit intern.
Dasar pembentukan Komite Audit Perseroan The basis for forming the Company’s Audit
mengacu pada Peraturan Otoritas Jasa Committee refers to the Financial Services
Keuangan Nomor 55/POJK.04/2015 tentang Authority Regulation Number 55/POJK.04/2015
Pembentukan dan Pedoman Pelaksanaan Kerja concerning the Formation and Guidelines for the
Komite Audit. Komite Audit merupakan alat Implementation of the Audit Committee’s Work. The
kelengkapan Dewan Komisaris yang berfungsi Audit Committee is a complete tool of the Board
Pembentukan Komite Audit Perseroan juga The establishment of the Company’s Audit Committee
berpedoman pada ketentuan sebagai berikut: is also guided by the following provisions:
1. Keputusan Menteri Negara Pendayagunaan 1. Decree of the State Minister for the Utilization
Badan Usaha Milik Negara Nomor KEP-117/ of State-Owned Enterprises No. KEP-117/M-
M-PBUMN/2002 tanggal 1 Agustus 2002 PBUMN/2002 on August 1st, 2002 about the
tentang Penerapan Praktik Good Corporate Implementation of Good Corporate Governance
Governance pada Badan Usaha Milik Negara. Practices in State-Owned Enterprises.
2. Peraturan Otoritas Jasa Keuangan (POJK) 2. Financial Services Authority Regulation (POJK)
Nomor 55/POJK.04/2015 Tanggal 25 Number 55/POJK.04/2015 December 25th, 2015
Desember 2015 tentang Pembentukan dan about the Formation and Guidelines for the
Pedoman Pelaksanaan Kerja Komite Audit. Implementation of the Audit Committee’s Work.
3. Peraturan Otoritas Jasa Keuangan Nomor 3. Financial Services Authority Regulation Number 55/
55/POJK.03/2016 tentang Penerapan Tata POJK.03/2016 about Application of Governance for
Kelola Bagi Bank Umum. Commercial Banks.
4. Surat Keputusan Dewan Komisaris PT 4. Decree of the Board of Commissioners of PT Bank
Bank Pembangunan Daerah Jawa Barat Pembangunan Daerah Jawa Barat and Banten, Tbk.
dan Banten, Tbk. Nomor 05/SK/DK/2005 Number 05/SK/DK/2005 on May 17th, 2005 about the
tanggal 17 Mei 2005 tentang Pembentukan Establishment of the Audit Committee of PT. BANK JABAR.
Komite Audit PT. BANK JABAR.
5. Surat Keputusan Dewan Komisaris Nomor 5. Decree of the Board of Commissioners No. 09/
09/SK/DK/2018 tanggal 20 Desember 2018 SK/DK/2018 on December 20th, 2018 about the
tentang Pembagian Tugas dan Pelaksanaan Distribution of Tasks and Implementation of the
Jadwal Kegiatan Dewan Komisaris serta Schedule of Activities of the Board of Commissioners
Komite – komite. and Committees.
6. Surat Keputusan Dewan Komisaris Nomor 6. Decree of the Board of Commissioners No.
05/SK/DK/2019 tanggal 3 Juli 2019 tentang 05/SK/DK/2019 on July 3rd, 2019 about the
Pembagian Tugas dan Pelaksanaan Jadwal Distribution of Tasks and Implementation
Kegiatan Dewan Komisaris serta Komite – of the Schedule of Activities of the Board of
komite. Commissioners and Committees.
7. Surat Keputusan Dewan Komisaris Nomor 7. Decree of the Board of Commissioners No.
07/SK/DK/2019 tanggal 30 Juli 2019 tentang 07/SK/DK/2019 dated July 30th, 2019 about
Pembagian Tugas dan Pelaksanaan Jadwal the Distribution of Tasks and Implementation
Kegiatan Dewan Komisaris serta Komite – of the Schedule of Activities of the Board of
komite. Commissioners and Committees.
Tugas dan Tanggung Jawab Komite Audit Duties and Responsibilities of The Audit Committee
Komite Audit mempunyai tugas mendukung The Audit Committee serves the duty to support
Dewan Komisaris sesuai dengan the Board of Commissioners according to their
tanggungjawabnya. Adapun tugas Komite Audit responsibilities. The duties of the Audit Committee
adalah sebagai berikut. are as follows.
1. Pengawasan Terhadap Proses Pelaporan 1. Supervision of the Financial Reporting Process
Keuangan
Komite Audit bertugas melakukan The Audit Committee has tasks to supervise the
pengawasan terhadap proses pembuatan making process of Bank Financial Reports in
Laporan Keuangan Bank. Dalam kaitannya which the Audit Committee conduct as follow
dengan hal tersebut, Komite Audit:
a. Memantau proses pelaporan keuangan a. Monitoring the financial reporting process
untuk memastikan terpenuhinya standar to ensure its compliance with applicable
dan kebijakan akuntansi yang berlaku. accounting standards and policies.
b. Melakukan evaluasi atas informasi b. Evaluating financial information that will
keuangan yang akan dikeluarkan oleh be issued by the Bank such as financial
Bank seperti laporan keuangan, proyeksi statements, projections and other financial
dan informasi keuangan lainnya. information.
c. Memeriksa ulang laporan keuangan c. Re-checking the financial reportsfrom the
apakah sudah sesuai dengan standar Audit Committee members by adjusting
akuntansi yang berlaku serta apakah the applicable accounting standards and
sudah konsisten dengan informasi lain making it consistent with other information
yang diketahui oleh anggota Komite Audit monthly, quarterly and annually.
secara bulanan, triwulanan dan tahunan.
d. Melakukan pemantauan atas penetapan d. Monitoring the determination of assessment
metode penilaian aktiva dan passiva, methods for active and passive methods,
komitmen dan kontijensi serta cadangan- commitments, contingencies and reserves
cadangan yang harus dibentuk. that must be created.
e. Melakukan pemantauan atas pos-pos e. Monitoring financial statement items that
laporan keuangan yang mengandung contain complex and unusual transactions.
transaksi-transaksi yang kompleks dan
tidak lazim.
f. Menilai kecukupan pengungkapan f. Assessing the adequacy of transaction
transaksi dengan pihak terkait. disclosures with related parties.
g. Menilai dan memberikan rekomendasi g. Assessing and providing recommendations
kepada Dewan Komisaris terhadap saran to the Board of Commissioners based
yang diajukan oleh Auditor Eksternal, on from External Auditors, Directors and
Direksi dan Auditor Internal jika terdapat Internal Auditors if there are changes in the
perubahan dalam ruang lingkup audit scope of the audit as well as accounting
serta prinsip dan standar akuntansi. principles and standards.
h. Komite Audit mengkomunikasikan kepada h. Communicating to External Auditors,
Auditor Eksternal, Direksi dan Auditor Directors and Internal Auditors when faced
Internal bila menghadapi penafsiran yang with different interpretations or inconsistent
berbeda maupun sesuatu hal yang tidak items.
konsisten.
2. Seleksi dan Penunjukkan Kantor Akuntan 2. Selection and Appointment of Public Accounting
Publik (KAP) serta Pengawasan Pekerjaannya Firm and Supervision Work
Komite Audit dalam memberikan The Audit Committee in providing
dari manajemen serta Satuan Internal Audit Work Unit on the work
Kerja Audit Internal atas pekerjaan of the External Auditor.
Auditor Eksternal tersebut.
i). Berdiskusi dengan Dewan Komisaris i). Discussing with the Board of
dan Direksi serta Auditor Eksternal Commissioners and Directors
untuk mendapatkan pengertian and External Auditors to get an
atas pertimbangan yang digunakan understanding of determining
dalam menentukan standar accounting standards and their
akuntansi beserta aplikasinya. applications.
j). Memastikan adanya pengungkapan j). Ensuring adequate disclosure of
yang memadai terhadap standar accounting standards.
akuntansi.
3. Evaluasi Jasa Non-Audit 3. Evaluation of Non-Audit service
Untuk menjaga independensi Auditor To maintain the independence of the External
Eksternal, Komite Audit wajib melakukan Auditor, the Audit Committee must conduct
evaluasi sebelum memberikan persetujuan an evaluation before giving pre-approval to
awal (pre-approval) terhadap jasa non- non-audit services that will be assigned to the
audit yang akan ditugaskan kepada Auditor External Auditor. Non-audit services that can
Eksternal yang sedang melaksanakan jasa interfere its independence are:
audit. Jasa-jasa non-audit yang mengganggu
independensi adalah:
a. Jasa pembukuan atau jasa-jasa lain yang a. Bookkeeping services or other services
berhubungan dengan catatan akuntansi related to accounting records or financial
atau laporan keuangan Bank. reports of the Bank.
b. Jasa disain dan implementasi sistem b. Design and implementation of financial
informasi keuangan. information systems.
c. Jasa penilaian atau jasa untuk c. Assessment services or services to provide
memberikan opini atas kewajaran. an opinion on fairness.
d. Jasa aktuaria. d. Actuarial services.
e. Jasa outsourcing internal audit. e. Internal audit outsourcing services.
f. Jasa fungsi manajemen atau sumber f. Management functions or human resources
daya manusia. services.
g. Jasa perantara. g. Intermediary services.
h. Jasa layanan hukum dan jasa keahlian h. Legal services and expert services not related
yang tidak berkaitan dengan audit. to auditing.
i. Jasa konsultasi perpajakan. i. Tax consulting services.
j. Jasa lain berdasarkan perundang- j. Other services based on applicable laws
undangan yang berlaku dan peraturan and Bank Indonesia regulations.
Bank Indonesia.
Langkah-langkah yang harus dilaksanakan Bank Management must conduct the following
Manajemen Bank untuk mendapatkan steps to get pre-approval.
persetujuan awal (pre-approval) adalah
sebagai berikut:
a. Direksi, menyampaikan kepada Dewan a. Directors convey the detailed descriptions of
Komisaris uraian rinci mengenai jenis the types of services and tasks to the Board
jasa dan pekerjaan yang akan ditugaskan of Commissioners to be assigned to Public
kepada KAP. Accountants Firm.
b. Komite Audit mengevaluasi dan b. Audit Committee evaluates and analyses
menganalisis jasa non-audit yang non-audit services that will be assigned to
akan ditugaskan kepada KAP agar the Public Accountants Firmto guarantee
tidak mengganggu independensi atau its independence or to avoid conflicts of
menimbulkan benturan kepentingan. interest.
c. Komite Audit hanya dapat menyetujui c. Audit Committee will approve the provision
pemberian jasa non-audit tersebut apabila of non-audit services if the evaluation results
hasil evaluasi tidak menunjukkan adanya do not indicate any interferences in case of
gangguan dalam hal independensi atau independence or conflict of interest.
menimbulkan benturan kepentingan.
Pre-approval terhadap jasa non-audit ini Pre-approval of non-audit services can be
dapat dikecualikan, jika nilai seluruh jasa excluded if the value of all non-audit services is
non-audit tidak lebih dari 5% (lima persen) less than 5% (five percent) from the total audit
dari total nilai biaya audit yang dibayarkan fees paid by the Bank to the Public Accountants
Bank kepada KAP dalam tahun fiscal di Firm in the fiscal year of the provision of non-
mana jasa non-audit diberikan. audit services.
4. Pengawasan Pengendalian Internal 4. InternalControl Supervision
Komite Audit dan Satuan Kerja Audit Internal Audit Committee and Internal Audit Unit
melakukan pengawasan atas operasional supervise the Bank operations to follow Bank
Bank sesuai dengan fungsi masing-masing Indonesia regulations, as well as applicable
agar tidak melanggar peraturan Bank regulations and laws. The supervision includes
Indonesia, peraturan dan perundang- at least:
undangan yang berlaku. Pengawasan
tersebut sekurang-kurangnya meliputi:
a. Komite Audit mendapatkan laporan audit a. Audit Committee receives periodic internal
internal secara berkala dari Satuan Kerja audit reports from the Internal Audit Unit
Audit Internal sebagai masukan untuk as inputs to identify possible weaknesses of
mengidentifikasi kemungkinan adanya internal control.
kelemahan pengendalian internal.
b. Dalam rangka meningkatkan efektivitas b. Audit Committee can provide suggestions
pengendalian internal, Komite Audit to Bank Management to improve the
dapat memberikan masukan kepada effectiveness of the internal control
Manajemen Bank, melalui Dewan through the Board of Commissioners.
Komisaris, saran tersebut berkenaan The suggestionsaim at improving the
dengan peningkatan kinerja Satuan Kerja performance of the Internal Audit Unit.
Audit Internal.
c. Mengkaji dan memberikan masukan c. Review and provide inputs to the Board of
kepada Dewan Komisaris atas Rencana Commissioners on Annual Internal Audit
Kerja Tahunan Audit Internal, termasuk Planincluding the Audit scope, and ensure
ruang lingkup Audit, serta untuk that the Internal Audit Annual Work Plan
memastikan bahwa Rencana Kerja has covered the Bank’s overall operational
Tahunan Audit Internal tersebut sudah risks.
mencakup risiko operasional Bank secara
Keseluruhan.
d. Setiap awal tahun, Komite Audit d. Audit Committee evaluates the Annual
mengevaluasi Program Kerja Audit Audit Work Program prepared by the
tahunan yang disusun oleh Satuan Kerja Internal Audit Unit and the scope of the
Audit Internal serta ruang lingkup audit, audit and makes recommendations based
dan merekomendasikan hasil evaluasinya on the evaluation results to the Board of
kepada Dewan Komisaris. Commissioners.
i. Komite Audit atas permintaan Dewan i. Audit Committee upon request from the
Komisaris dapat merekomendasikan Board of Commissioners can recommend
tentang pengangkatan dan the appointment and dismissal of the Head
pemberhentian Pemimpin Satuan Kerja of the Internal Audit Work Unit.
Audit Internal
5. Pengawasan Kepatuhan Terhadap 5. Compliance Supervision towards Laws and
Peraturan dan Perundang-undangan Regulations
Komite Audit dan Satuan Kerja Kepatuhan Audit Committee along with Compliance and
dan Hukum sesuai dengan fungsinya Legal Work Unit based on their respective
masing-masing bertugas untuk memantau function to monitor Bank’s operational
kepatuhan operasional Bank terhadap compliance towards applicable laws and
Peraturan dan Perundang-undangan yang regulationsat least:
berlaku, sekurang-kurangnya meliputi:
a. Pemantauan dapat dilakukan melalui a. Monitoring can be done through
evaluasi atas temuan, pelaporan atau evaluation of findings, report or the resultof
hasil pemeriksaan yang dilakukan oleh examinations conducted by Financial
Otoritas Jasa Keuangan, auditor eksternal, Services Authority, External Auditors,
satuan kerja Kepatuhan, Satuan Kerja Compliance Work Units, Internal Audit
Audit Intern, Satuan Kerja Manajemen Work Unit, Risk Management Work Unit/
Risiko/Komite Manajemen Risiko. Committee.
b. Apabila terdapat indikasi kuat bahwa telah b. If there are strong indications of violation
terjadi pelanggaran terhadap peraturan from applicable laws and regulations that
dan perundang-undangan yang berlaku, have occurred, the Audit Committee must
Komite Audit harus melaporkan kepada report to the Board of Commissioners and
Dewan Komisaris dan mengusulkan propose such investigation.
diadakannya investigasi.
6. Pelaporan Risiko dan Pelaksanaan 6. Risk Report and Implementation of Risk
Manajamen Risiko Management
Komite Audit dan Komite Pemantau Risiko Audit Committee and Risk Monitoring Committee
sesuai dengan fungsinya masing-masing according to their respective functions monitor
memantau jalannya operasional Bank, the Bank operations to minimize the occurrence
dan untuk meminimalisasi terjadinya risiko of risks at least the following:
sekurang-kurangnya meliputi:
a. Melakukan evaluasi atas proses a. Evaluate the risk identification process and
identifikasi risiko dan pelaksanaan the implementation of risk management
manajemen risiko yang dilakukan oleh performed by management.
manajemen.
b. Menilai proses pengelolaan risiko dan b. Assess the process of Bank risk management
pengendalian keuangan Bank termasuk and financial control including identification
identifikasi dan evaluasi terhadap semua and evaluation of all risks and controls to
risiko dan pengendaliannya untuk minimize the risk.
memperkecil timbulnya risiko tersebut.
c. Memantau dan mengevaluasi kecukupan c. Monitor and evaluate the adequacy of
pelaksanaan tugas Auditor Eksternal the duties from the External Auditor and
dan Satuan Kerja Audit Internal dalam Internal Audit Work Unit in ensuring the
memastikan terpenuhinya pengendalian fulfillment of controls and handling major
dan penanganan risiko utama telah risks to be included in the audit plan.
tercakup dalam perencanaan audit.
d. Memastikan bahwa Manajemen Bank d. Ensuring that Bank’s Management has
telah melaksanakan semua rekomendasi implemented all recommendations related
yang terkait dengan risiko dan to risk and control from External Auditor,
Selain itu, Komite Audit mempunyai tanggung In addition, the Audit Committee has the following
jawab sebagai berikut: responsibilities.
1. Memastikan bahwa laporan keuangan Bank 1. Ensuring that Bank’s financial reports are
dapat dimengerti, transparan dan dapat understandable, transparent and reliable.
diandalkan.
2. Menilai pelaksanaan kegiatan serta hasil 2. Assessing audit activities and results conducted
audit yang dilakukan oleh Satuan Kerja by Internal Audit Work Unit and External
Audit Internal maupun Auditor Eksternal Auditor to make sure thatits implementation
sehingga dapat mencegah pelaksanaan dan and report have met the standards.
pelaporan yang tidak memenuhi standar.
3. Melakukan evaluasi kebijakan Bank yang 3. Evaluating Bank’s policies related to compliance
berhubungan dengan kepatuhan terhadap towards applicable laws, regulations, ethics,
peraturan dan perundang-undangan yang and conflicts of interest as well as to conductan
berlaku, etika, benturan kepentingan dan investigation on errors or fraud through
investigasi akan adanya kesalahan maupun the Board of Commissioners by providing
kecurangan, melalui Dewan Komisaris recommendations toenhancethe Bank’s
memberikan rekomendasi mengenai internal control system and its implementation.
penyempurnaan sistem pengendalian
intern Bank serta pelaksanaannya.
4. Melakukan evaluasi Rencana Kerja Satuan 4. Evaluating the Work Plan of the Internal
Kerja Audit Internal, pelaporan dan temuan Audit Unit as well as reporting and significant
yang signifikan. findings.
5. Berkomunikasi dengan Direksi dan Satuan 5. Communicating with the Board of Directors
Kerja terkait tentang status, kemajuan dan and related Work Units about the status,
perkembangan baru pada permasalahan progress and new developments on the
operasional yang dijumpai serta temuan operational problems encountered and the
Satuan Kerja Audit Internal. findings from the Internal Audit Work Unit.
6. Memastikan bahwa Satuan Kerja Audit 6. Ensuring that Internal Audit Work Unit can
Internal dapat memiliki akses langsung have direct access to the Audit Committee
kepada Komite Audit dan mendorong and encouraging communication outside the
adanya komunikasi di luar rapat komite routine committee meetings.
yang telah dijadwalkan.
7. Menciptakan jalur komunikasi langsung 7. Creating a direct line of communication with
dengan Auditor Eksternal/pengawas Bank the External Auditor/Bank supervisor to discuss
untuk membahas rencana audit, temuan the audit plan, findings, and reports.
maupun laporan.
Komite Audit mempunyai wewenang sebagai Audit Committee has the following authorities.
berikut
1. Komite Audit diberi wewenang untuk 1. Obtaining informationthrough the Board of
mendapatkan informasi, melalui Dewan Commissionersregarding bank operations,
Komisaris, mengenai operasional bank, employee data, funds, assets and other Bank
data karyawan, dana, aset serta sumber resources relating to the implementation of its
daya Bank lainnya yang berkaitan dengan duties.
pelaksanaan tugasnya.
2. Dalam melaksanakan tugas dan tanggung 2. Working closely with the Internal Audit Divisionin
jawab serta wewenang, Komite Audit bekerja carrying out its duties, responsibilities,and
sama dengan Divisi Audit Intern. authorities.
3. Memberi masukan kepada Dewan Komisaris 3. Providing inputs to the Board of Commissioners
mengenai keperluan perbaikan dalam regarding the need for improvement in the
proses audit internal, eksternal dan laporan processes of internal, external and financial
keuangan Bank. audits of the Bank.
4. Melakukan evaluasi deskripsi mengenai 4. Evaluating descriptions of internal controls/
internal kontrol/audit yang akan audits that will be published in the Financial
dipublikasikan dalam Laporan Keuangan and GCG Implementation Implementation
dan Laporan Pelaksanaan Penerapan GCG. Report.
5. Melakukan kajian atas independensi 5. Reviewing independence and objectivity
dan objektivitas Auditor Eksternal serta of External Auditor and providing
merekomendasikan Auditor Eksternal yang recommendations to the Bank in choosing
akan dipilih oleh Bank untuk mengaudit External Auditor to audit its financial reports,
laporan keuangan Bank, unit bisnis maupun both business units, and subsidiaries.
anak perusahaan.
Pedoman dan Tata Tertib Kerja Komite Audit Rulesand Guidelines of Audit Committees
Komite Audit mempunyai suatu Pedoman dan Audit Committee has theRules and Guidelines based
Tata Tertib Kerja Komite Audit berdasarkan on the Decree of the Board of Commissioners Number
Surat Keputusan Dewan Komisaris Nomor 04/ 04/SK/DK/2017 dated November 10th, 2017, which
SK/DK/2017 tanggal 10 November 2017 yang has been amended and determined based on the
telah diubah dan ditetapkan berdasarkan Surat Decree of the Board of Commissioners number 05/
Keputusan Dewan Komisaris Nomor 05/SK/ SK/DK/2018 dated October 2nd, 2018 and has been
DK/2018 tanggal 02 Oktober 2018 dan telah updated and determined by Decree of the Board
diperbaharui dan ditetapkan dengan Surat of Commissioners number 12/DKO/SK/2019
Keputusan Dewan Komisaris Nomor 12/DKO/ dated December 4th, 2019, concerning the Audit
SK/2019 tanggal 04 Desember 2019 tentang Committee Charter and Work Rules, which clearly
Pedoman dan Tata Tertib Kerja Komite Audit, specify the roles, responsibilities and work scope
yang menetapkan secara jelas peran, tanggung of the Audit Committee to enhance effectiveness,
jawab dan lingkup kerja Komite Audit untuk responsibility, openness, and objectivity of Board
meningkatkan efektivitas, tanggungjawab, of Commissioners in performing its functions. It
keterbukaan dan objektifitas Dewan Komisaris regulates the organizational structure and term
dalam menjalankan fungsinya. Dalam Pedoman of service fromthe Audit Committee. It also rules
dan Tata Tertib Kerja Komite Audit mengatur its duties and responsibilities, meetings, reporting,
mengenai struktur organisasi dan masa kerja and budget as well as ethical standards for Audit
Komite Audit, tugas dan tanggung jawab, rapat, Committee.
pelaporan dan anggaran serta standar etika
bagi Komite Audit.
Struktur, Keanggotaan dan Keahlian Komite Structure, Membership, and Expertise of The Audit
Audit Committee
Struktur keanggotaan Komite Audit yaitu: The Audit Committee membership structure
1. Anggota Komite Audit sekurang-kurangnya 1. Members of the Audit Committee consist of at
terdiri atas: least:
a. Seorang Komisaris Independen; a. An Independent Commissioner;
b. Seorang dari Pihak Independen yang b. An Independent Party who has expertise in
memiliki keahlian di bidang keuangan finance or accounting;
atau akuntansi;
c. Seorang dari Pihak Independen yang c. An Independent Party who has expertise in
memiliki keahlian di bidang perbankan banking or law;
atau hukum;
d. Anggota Komite Audit yang merupakan d. Members of the Audit Committee are
Komisaris Independen bertindak sebagai Independent Commissioners as the Head of
Ketua Komite Audit. the Audit Committee.
2. Komisaris yang menjabat sebagai Ketua 2. Commissioner who serves as Chairperson
Komite Audit dapat merangkap sebagai of the Audit Committee can concurrently as
Ketua Komite paling banyak pada 1 (satu) Chairperson of the Committee at most on 1
Komite lainnya. (one) of another Committee.
3. Dalam melaksanakan tugas sehari- 3. The Audit Committeein performing its daily
hari, Komite Audit dapat dibantu oleh tasks can be assisted by the Secretariat of the
Kesekretariatan Dewan Komisaris. Board of Commissioners.
Susunan keanggotaan Komite Audit pada awal The membership of the Audit Committee at the
tahun 2019 berdasarkan Surat Keputusan beginning of 2019 was based on the Decree of
Dewan Komisaris Nomor 09/SK/DK/2018 the Board of Commissioners No. 09/SK/DK/2018
tanggal 20 Desember 2018 tentang Pembagian dated December 20th, 2018, concerning the
Tugas dan Pelaksanaan Jadwal Kegiatan Dewan Distribution of Tasks and Implementation of the
Komisaris serta Komite – komite. Scheduled Activities of the Board of Commissioners
and Committees.
Berdasarkan Surat Keputusan Dewan Komisaris Based on the Decree of the Board of
Nomor 05/SK/DK/2019 tanggal 3 Juli 2019 Commissioners number 05/SK/DK/2019 dated
tentang Pembagian Tugas dan Pelaksanaan July 3rd, 2019, concerning the Distribution of Tasks
Jadwal Kegiatan Dewan Komisaris serta Komite – and Implementation of the Scheduled Activities of
Komite, susunan organisasi Komite Audit adalah the Board of Commissioners and Committees, the
sebagai berikut: Audit Committee’s organizational structure is as
follows:
Berdasarkan Surat Keputusan Dewan Komisaris Based on the Decree of Board of Commissioners No.
Nomor 07/SK/DK/2019 tanggal 30 Juli 2019 07/SK/DK/2019 dated July 30th, 2019, concerning
tentang Pembagian Tugas dan Pelaksanaan the Distribution of Tasks and Implementation of the
Jadwal Kegiatan Dewan Komisaris serta Komite Scheduled Activities of the Board of Commissioners
– komite, susunan Komite Audit pada 31 and Committees, the composition of the Audit
Desember 2019 adalah sebagai berikut: Committee as at December 31st, 2019 is as follows:
Profil Komite Audit per 31 Desember 2019 The profile of the Audit Committee as of December
adalah sebagai berikut. 31st, 2019, is as follows.
Profil dapat dilihat pada bagian Profil Dewan Komisaris dalam The profile can be seen in the Board of Commissioners Profile section in
Laporan Tahunan ini. this Annual Report.
v Periode Jabatan : 30 April 2019 sampai dengan tahun ke 5 sejak Term of service: April 30th, 2019 until the 5th year from the date of
tanggal diangkat appointment
Profil dapat dilihat pada bagian Profil Dewan Komisaris dalam The profile can be seen in the Board of Commissioners Profile section in
Laporan Tahunan ini. this Annual Report.
Periode Jabatan : 30 April 2019 sampai dengan tahun ke 5 sejak Term of service: April 30th, 2019 until the 5th year from the date of
tanggal diangkat appointment
Tempat dan Tanggal Lahir : 28 Juni 1971 Place and Date of Birth : June 28th, 1971
Periode Jabatan : 04 Mei 2018 sampai dengan 03 Mei 2020 Term of service : May 4th, 2018 until May 3rd, 2020
Tempat dan Tanggal Lahir : 15 Maret 1963 Place and Date of Birth : March 15th, 1963
TA
DA
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Secara umum, persyaratan Kompetensi Komite Generally, the Company’s Audit Committee
Audit Perseroan, sebagai berikut: Competency requirements are as follows:
1. Anggota Komite Audit wajib memiliki 1. Having integrity, good character, and morals.
integritas, akhlak dan moral yang baik, Being independent, objective, professional, and
independen, obyektif, tanggung jawab responsibleas well as having adequate abilities,
profesi serta memiliki kemampuan, knowledge and experience in accordance
pengetahuan dan pengalaman yang with their educational background, and able
memadai sesuai dengan latar belakang to communicate effectively and to provide
pendidikannya, dan mampu berkomunikasi sufficient time to carry out their duties.
secara efektif termasuk menyediakan waktu
yang cukup untuk melaksanakan tugasnya.
2. Memiliki pengetahuan membaca dan 2. Having knowledge of reading and
memahami laporan keuangan. understanding financial reports.
3. Memiliki pengetahuan mengenai lingkungan 3. Having knowledge of the Bank’s business
bisnis Bank, risiko dan kontrol serta environment, risk and control as well as
memahami tugas, tanggung jawab dan understanding duties, responsibilities and
wewenang dari Komite Audit. authority of Audit Committee.
4. Memiliki keseimbangan keterampilan 4. Havingadequate skills and experience with
dan pengalaman dengan latar belakang a broad background in finance, accounting,
yang luas di bidang keuangan, akuntansi, banking, or law.
perbankan, atau hukum.
5. Memiliki pengetahuan yang memadai 5. Having adequate knowledge of the applicable
tentang peraturan dan perundang- laws and regulations related to Bank
undangan yang berlaku terkait dengan operations.
operasional Bank.
6. Anggota Komite Audit dari Pihak Independen 6. Coming from Independent Parties who have
yang memiliki keahlian di bidang keuangan, expertise in finance, accounting, banking, or
akuntansi, perbankan, atau hukum apabila law andfulfilling the following criteria:
memenuhi kriteria sebagai berikut:
a. Memiliki pengetahuan di bidang a. Having knowledge in finance, accounting,
keuangan, akuntansi, perbankan, atau banking, or law
hukum
b. Memiliki pengalaman kerja di bidang b. Have work experience in finance, accounting,
keuangan, akuntansi, perbankan, atau banking, or law for at least 5 (five) years.
hukum sedikitnya 5 (lima) tahun.
7. Setiap anggota Komite Audit wajib 7. Studying Bank’s activities so that they have
mempelajari kegiatan Bank sehingga adequate knowledge about the Bank’s activities.
memiliki pengetahuan yang memadai
tentang kegiatan Bank.
8. Komite Audit harus melakukan orientasi 8. Conducting an orientation at the beginning of
pada awal masa jabatan untuk memperoleh their term of service to obtain an overview of the
gambaran operasional Bank serta ruang Bank’s operations and scope of work in order
lingkup kerja, dalam melaksanakan to carry out their responsibilities effectively.
tanggung jawabnya secara efektif.
9. Komite Audit mendapatkan pelatihan 9. Receiving periodic training during the term of
secara periodik selama kurun waktu jabatan service to improve their knowledge and skills.
untuk meningkatkan pengetahuan dan
keterampilannya.
Kualifikasi pendidikan dan pengalaman kerja The educational qualifications and work experience
Ketua dan Anggota Komite Audit adalah sebagai of the Chairperson and Members of the Audit
berikut. Committee are as follows.
Yayat Sutaryat Ketua Merangkap - S1 Hukum - Bachelor of Management Memiliki pengalaman kerja di
Anggota - S2 Administrasi Negara - Master of Banking & Finance bidang pemerintahan.
Head concurrently Having work experience in
as a member government
Erie Febrian*** Anggota - S1 Financial Management - Bachelor of Financial Memiliki pengalaman kerja
Member - S2 Fund Management Management di bidang pendidikan dan
- S3 Busines Administration - Master of Fund Management perbankan.
- Doctor of Business Having work experience in education
Administration and banking
Wawan Hernawan* Anggota - D3 Akuntansi - Diploma III Accounting Memiliki pengalaman kerja di
Member - S1 Manajemen - Bachelor of Management bidang perbankan.
Having work experience in banking
*Mulai menjabat sejak tanggal 3 Juli 2019. | * Term of service is on July 3rd, 2019
**Mulai menjabat sejak tanggal 3 Juli - 30 Juli 2019. | ** Term of service is from July 3rd - July 30th, 2019
***Berhenti menjabat sejak tanggall 3 Juli 2019. | *** End of service is on July 3rd, 2019
Persyaratan Independensi Komite Audit yang Below are the requirements of the Audit Committee
diatur dalam Pedoman dan Tata Tertib Kerja Independence regulated in Audit Committee Rules
Komite Audit, yaitu: and Guidelines.
1). Anggota Direksi dilarang menjadi anggota 1). Members of the Board of Directors are
Komite Audit. prohibited to become Audit Committee.
2). Komisaris independen dan Pihak 2). Independent Commissioners and Independent
Independen yang menjadi anggota Komite Parties as the committee members at least
paling kurang 51% (lima puluh satu 51% (fifty-one percent) of the total members of
perseratus) dari jumlah anggota Komite the Audit Committee.
Audit.
3). Anggota Komite Audit tidak mempunyai 3). Audit Committee members have no affiliation
hubungan afiliasi dengan Bank, Dewan with the Bank, Board of Commissioners
Komisaris, Direksi, atau Rapat Umum Board of Directors, or General Meeting of
Pemegang Saham (RUPS). Shareholders (GMS).
4). Tidak memiliki hubungan usaha baik 4). Audit Committee members have no business
langsung maupun tidak langsung yang relations, direct or indirec, related to the Bank’s
berkaitan dengan kegiatan usaha Bank. business activities.
5). Bukan merupakan orang yang bekerja 5). Audit Committee members are not a
atau mempunyai wewenang dan tanggung person who works or have the authority
jawab untuk merencanakan, memimpin, and responsibility to plan, lead, control, or
mengendalikan, atau mengawasi kegiatan supervise the activities of the Issuer or Public
Emiten atau Perusahaan Publik tersebut Company within the last 6 (six) months except
dalam waktu 6 (enam) bulan terakhir, kecuali for Independent Commissioners.
Komisaris Independen.
6). Tidak mempunyai Saham langsung 6). Audit Committee members have no direct or
maupun tidak langsung pada Emiten atau indirect shares in the Public Company.
Perusahaan Publik.
7). Pihak Independen yang menjadi anggota 7). Independent Parties as Audit Committee
Komite Audit adalah pihak yang berada di refers to a partybeyond Bank circlewithout
luar Bank yang tidak memiliki hubungan any financial relationship, management
keuangan, kepengurusan, kepemilikan connection, share ownership, and/ or family
Saham, dan/atau hubungan keluarga relation with the Board of Commissioners,
dengan Dewan Komisaris, Direksi, dan/ Directors, and/or Controlling Shareholders or
atau Pemegang Saham Pengendali atau anything that can influence his ability to act
hubungan dengan Bank yang dapat independently:
mempengaruhi kemampuannya untuk
bertindak independen:
a). Yang dimaksud dengan Pemegang a). What is meant by Controlling Shareholders
Saham Pengendali adalah badan hukum, are legal entities, individuals and/or
orang perseorangan dan/atau kelompok business groups as mentioned in Bank
usaha sebagaimana dimaksud dalam Indonesia guidelines concerning Fit and
ketentuan Bank Indonesia mengenai Proper Test of Commercial Banks. Included
Uji Kemampuan dan Kepatutan (Fit and in the understanding of Bank Controlling
Proper Test) Bank Umum. Termasuk Shareholders, it covers shareholders up to
dalam pengertian Pemegang Saham ultimate shareholders.
Pengendali Bank adalah pemegang
Saham Bank sampai dengan pengendali
terakhir (ultimate shareholders) Bank.
b). Hubungan keuangan yang dimaksud b). Financial relationship means thatone
adalah apabila seseorang menerima receives income, financial assistance, or
penghasilan, bantuan keuangan, atau loan from:
mendapatkan pinjaman dari:
i. Anggota Dewan Komisaris dan/atau i. Members of Board of Commissioners
anggota Direksi Bank. and/or Board of Directors of the Bank.
ii. Perusahaan yang Pemegang Saham ii. Companies with Controlling
Pengendalinya adalah anggota Shareholders as members of the Board
Dewan Komisaris, dan/atau anggota of Commissioners, and/or Board of
Direksi Bank. Directors of the Bank.
iii. Perusahaan yang Pemegang Saham iii. Companies with Bank Controlling
Pengendali Bank. Shareholders.
c). Hubungan kepengurusan adalah apabila c). Management relationship means that
seseorang menduduki posisi sebagai: someone occupies a position as:
i. Anggota Dewan Komisaris atau i. Members of Board of Commissioners or
Direksi pada perusahaan dimana Directors in companies where members
anggota Dewan Komisaris menjadi of Board of Commissioners becoming
anggota Dewan Komisaris dan/atau Board of Commissioners and/or
anggota Direksi. members of Board of Directors.
ii. Anggota Dewan Komisaris atau ii. Members of the Board of Commissioners
Direksi pada perusahaan yang or Directors in companies whose
Pemegang Saham Pengendalinya controlling shareholders are members of
adalah anggota Dewan Komisaris Board of Commissioners and/or members
dan/atau anggota Direksi Bank. of Board of Directors of the Bank.
iii. Anggota Dewan Komisaris, Direksi, iii. Members of the Board of Commissioners,
atau Pejabat Eksekutif pada Directors, or Executive officers in Bank
perusahaan Pemegang Saham Controlling Shareholder company.
Pengendali Bank.
d). Hubungan kepemilikan Saham adalah d). Share ownership relationship refers to a
apabila seseorang menjadi pemegang person who becomes a shareholder in:
Saham pada:
i. Perusahaan yang secara bersama- i. Companies that are mutually
sama dimiliki oleh anggota Dewan owned by members of the Board of
Komisaris, Direksi, dan/atau Commissioners, Directors and/or Bank
Pemegang Saham Pengendali Bank Controlling Shareholders so that they
sehingga bersama-sama menjadi jointly become Controlling Shareholders
Pemegang Saham Pengendali pada in the certain company; and or
perusahaan tersebut; dan/atau ii. Bank Controlling Shareholder Company.
ii. Perusahaan Pemegang Saham
Pengendali Bank.
e). Hubungan keluarga adalah memliki e). Family relationships refer to the connection
hubungan keluarga sampai dengan until second level both vertical and
derajat kedua baik hubungan vertikal horizontal relationships, including fathers-
maupun horizontal, termasuk mertua, in-law, sons-in-law and brother/sisters-in-
menantu dan ipar. law.
Dalam hal Pemegang Saham Pengendali In Bank Controlling Shareholder as a legal
Bank berbentuk badan hukum, maka entity, the family relationship between
hubungan keluarga antara Komisaris the Independent Commissioner and Bank
Independen dengan Pemegang Saham Controlling Shareholder is seen from
Pengendali Bank dilihat dari hubungan affiliation between a person and Controlling
keluarga antara seseorang dengan Shareholder.
Pemegang Saham Pengendali dari badan
hukum yang merupakan Pemegang
Saham Pengendali Bank.
f). Hubungan dengan Bank yang dapat f). Relationships with Banks that can
menghalangi anggota Komite Audit dari hinder Audit Committee members to act
Pihak Independen tidak dapat bertindak independently including;
independen adalah:
Kecuali; Except;
a). Pihak-pihak yang melakukan fungsi d). Parties performing supervisory functions
pengawasan antara lain Direktur include director of compliance, director of
Kepatuhan, Direktur Manajemen Risiko, risk management, and Executive officer in
dan Pejabat Eksekutif yang membawahi charge of supervisory work unit including
unit kerja pengawasan, antara lain the Executive officer in charge of internal
Pejabat Eksekutif yang membidangi audit audit, compliance, and risk management.
intern, kepatuhan, dan manajemen risiko.
b). Telah menjalani masa tunggu (colling e). Having undergone a colling off period
off–tenggang waktu) antara berakhirnya between effective termination at the Bank,
jabatan secara efektif pada Bank, yaitu i.e. since effective date declared it stop
sejak tanggal efektif dinyatakan berhenti (writtendoc) as a member of the Board
secara tertulis sebagai anggota Direksi of Directors or an Executive officer or
atau Pejabat Eksekutif atau pihak-pihak other parties related to Bank with date
lain yang mempunyai hubungan dengan of appointmentas a member of Audit
Bank, dengan tanggal pengangkatan Committee from an Independent Party for
yang bersangkutan secara efektif 1 (one) year.
sebagai anggota Komite Audit dari Pihak
Independen) selama 1 (satu) tahun.
9). Anggota Komite Audit dari Pihak Independen 9). Members of the Audit Committee from an
dapat merangkap jabatan sebagai Pihak Independent Party may concurrently as
Independen anggota Komite lainnya pada Independent Members of other Committees at
Bank, dan/atau perusahaan lain sepanjang Bank, and/or other companies as long as they
yang bersangkutan; are able to fulfill the following.
a). Memenuhi seluruh kompetensi yang a). All required competencies
disyaratkan
b). Memenuhi kriteria independensi b). Independence criteria
c). Mampu menjaga rahasia Bank c). Bank secrecy
d). Memperhatikan kode etik yang berlaku d). Applicable code of ethics
e). Tidak mengabaikan pelaksanaan tugas e). Duties and responsibilities as a member of
dan tanggung jawab sebagai anggota the Committee
Komite
Tabel Independensi Komite Audit
Table of Audit Committee Independence
Ketentuan mengenai rapat Komite Audit yang The provisions regarding Audit Committee meetings
diatur dalam Pedoman dan Tata Tertib Kerja set out in the Audit Committee Rules and Guidelines
Komite Audit yaitu: as follows:
1. Komite Audit sekurang-kurangnya 1. Audit Committee holds at least 1 (one) meeting
mengadakan rapat 1 (satu) kali dalam 1 in 1 (one) month and/or adjusted to the needs.
(satu) bulan dan/atau disesuaikan dengan
kebutuhan Bank.
2. Rapat Komite Audit dapat mengambil 2. Audit Committee Meeting can make a decision if
keputusan apabila sekurang-kurangnya it is attended by at least 51% (fifty-one percent)
dihadiri oleh 51% (lima puluh satu per of the total number of members including the
seratus) dari jumlah anggota termasuk Independent Commissioner and Independent
seorang Komisaris Independen dan Pihak Party. If the head of the Audit Committee cannot
Independen. Apabila Ketua Komite Audit attend, which does not need to be proven to
tidak dapat hadir, yang tidak perlu dibuktikan a third party, the Committee member present
kepada pihak ketiga, anggota Komite yang elects a member as chairperson of the meeting.
hadir memilih seorang anggotanya sebagai
pimpinan rapat.
3. Dalam hal Ketua Komite Audit tidak hadir, 3. In the case, that chairperson absence, the
hasil rapat ini juga mengikat Ketua Komite results of this meeting are also binding on the
Audit. head of the Audit Committee.
4. Keputusan Rapat Komite Audit dilakukan 4. The decision of the Audit Committee Meeting is
berdasarkan musyarawah mufakat. based on the consensus agreement.
5. Apabila dalam musyawarah tidak tercapai 5. If the consensus agreement is not reached, the
kata mufakat, pengambilan keputusan decision-making can be done by taking the
dapat dilakukan dengan cara pengambilan most votes.
suara terbanyak.
6. Dalam kaitannya dengan pemungutan 6. In relation to voting:
suara:
a. Setiap anggota Komite Audit yang hadir a. Each Audit Committee member hold 1 (one)
berhak mengeluarkan 1 (satu) suara. vote.
b. Dalam hal terdapat anggota Komite tidak b. Whena committee member is unable to
dapat hadir, anggota yang tidak hadir attend, the absent member provides a
tersebut memberikan surat kuasa kepada power of attorney to one of Audit Committee
salah seorang anggota Komite Audit member to vote. A Committee member can
untuk memberikan suaranya. Seorang only represent 1 (one) of another Committee.
anggota Komite hanya dapat mewakili
1 (satu) orang Komite lain dengan surat
kuasa yang sah.
c. Pemungutan suara mengenai diri c. Voting on oneself is carried out with a
orang dilakukan dengan surat suara closed ballot without a signature, whereas
tertutup tanpa tanda tangan, sedangkan voting on other matters is done verbally
pemungutan suara mengenai hal-hal unless based on the Chairperson of Meeting
lain dilakukan dengan lisan kecuali decision without any objections from other
Ketua Rapat memutuskan lain tanpa participants ofthe Audit Committee meeting.
ada keberatan dari peserta rapat Komite
Audit.
d. Suara blanko (kosong) dan suara yang d. Blank votes and invalid votes are considered
dianggap tidak sah dianggap tidak ada non-existent (not counted) in determining
serta tidak dihitung dalam menentukan the number of votes cast.
jumlah suara yang dikeluarkan.
7. Komite Audit dapat meminta manajemen 7. Audit Committee may ask the Bank’s
atau Pegawai Bank atau pihak lain management or employees or other parties
untuk menghadiri rapat/pertemuan dan to attend meetings and provide necessary
memberikan informasi yang diperlukan information related to the Committee meeting
terkait dengan materi rapat Komite, melalui material through the Commissioners.
Komisaris.
8. Hasil rapat Komite Audit wajib dituangkan 8. Results of the Audit Committee meeting must
dalam risalah rapat dan didokumentasikan be reported in the minutes of the meeting and
dengan baik. properly documented.
9. Perbedaan pendapat (disenting opinions) 9. Dissenting opinions that occur in Committee
yang terjadi dalam rapat Komite wajib meetings must be clearly stated in the minutes
dicantumkan secara jelas dalam risalah of the meeting along with reasons of the
rapat beserta alasan perbedaan pendapat dissenting opinions.
tersebut.
10. Sekretariat Dewan Komisaris berkewajiban 10. Secretariat of Board of Commissioners is
untuk menyiapkan dan mendokumentasikan obliged to prepare and document minutes of
risalah rapat Komite. Committee meetings.
Sepanjang tahun 2019, tanggal pelaksanaan, Throughout 2019, the implementation of meeting
Agenda dan Peserta rapat Komite Audit, sebagai agenda and Audit Committee meeting Participants,
berikut. are as follows.
Tanggal Peserta
No Agenda
Date Partisipants
1. Senin, 28 Januari 2019 • Pembahasan Laporan Kegiatan • Discussion of TW IV and Annual Audit Yayat Sutaryat
Monday, January 28th, Komite Audit TW IV dan Tahunan Committee Activity Reports 2018. Erie Febrian
2019 2018.
2. Selasa, 12 Februari 2019 • Pembahasan Laporan Satuan Kerja • Discussion on Quarter IV Internal Audit Yayat Sutaryat
Tuesday, February 12th, Audit Internal Triwulan IV Tahun Work Reports in 2018 Mokhamad Anwar
2019 2018
3 Senin, 25 Februari 2019 • Ekspose Pimpinan SKAI atas Hasil • ExposingSKAI Chairperson on General Yayat Sutaryat
Monday, February 25th, Audit Umum dan Audit Khusus Audit and Special Audit Results Erie Febrian
2019 • Ekspose Divisi Kepatuhan • Exposing the Compliance Division Mokhamad Anwar
mengenai tindaklanjut Temuan regarding the follow-up of External
Hasil Audit Eksternal dan Hasil Audit Findings and Internal Audit
Audit Internal. Results.
• Lain-lain. • Others.
4. Kamis, 28 Maret 2019 • Pembahasan Publikasi Laporan • Discussion on the Published Financial Yayat Sutaryat
Thursday, March 28th, Keuangan Per 31 Desember 2018 Statements as of December 31st, Erie Febrian
2019 Audited. 2018, Audited. Mokhamad Anwar
• Lain-lain. • Others.
Tanggal Peserta
No Agenda
Date Partisipants
5. Jumat, 12 April 2019 • Pembahasan Evaluasi Hasil Audit • Discussion on Evaluation of Audit Yayat Sutaryat
Friday, April 12th, 2019 Satuan Kerja Audit Internal TW IV Results of the Internal Audit Work Unit Mokhamad Anwar
Tahun 2018. TW IV 2018.
• Lain-lain. • Others.
6 Kamis, 25 April 2019 • Pembahasan Hasil Audit Satuan • Discussion of Audit Results of TW IV Yayat Sutaryat
Thursday, April 25th , 2019 Kerja Audit Internal TW IV Tahun Internal Audit Work Unit in 2018. Erie Febrian
2018. • Discussion on bank bjb Publication Mokhamad Anwar
• Pembahasan Laporan Keuangan Financial Report per March 31st,
Publikasi bank bjb per 31 Maret 2019.
2019. • Others.
• Lain-lain.
7. Rabu, 08 Mei 2019 • Pembahasan Evaluasi Laporan • Discussion on Evaluation of Audit Yayat Sutaryat
Wednesday, May 8th, 2019 Hasil Audit oleh Satuan Kerja Audit Reports by the Internal Audit Work Mokhamad Anwar
Internal (SKAI) Triwulan IV 2018. Unit (SKAI) Quarter IV 2018.
• Lain-lain. • Others.
8. Selasa, 14 Mei 2019 • Pembahasan Matriks Laporan • Discussion of Internal Audit Reports Yayat Sutaryat
Tuesday, May 14th, 2019 Hasil Audit Internal oleh Satuan Matrix by Internal Audit Work Unit Mokhamad Anwar
Kerja Audit Internal (SKAI) TW IV (SKAI) TW IV 2018
Tahun 2018. • Others
• Lain-lain.
9 Rabu, 12 Juni 2019 • Pembahasan Evaluasi Laporan • Discussion on Evaluation of TW I 2019 Yayat Sutaryat
Wednesday, June 12th, Satuan Kerja Audit Internal TW I Internal Audit Work Unit Report. Mokhamad Anwar
2019 tahun 2019. • Others.
• Lain-lain.
10 Senin, 17 Juni 2019 • Pemenuhan Komitmen Atas • Commitment to Financial Services Yayat Sutaryat
Monday, June 17th, 2019 Hasil Pemeriksaan Otoritas Jasa Authority (OJK) Examination Results Erie Febrian
Keuangan (OJK) • Discussion on the Evaluation of the Mokhamad Anwar
• Pembahasan Evaluasi Laporan Internal Audit Work Unit’s First Quarter
Satuan Kerja Audit Internal (SKAI) 2019 Report.
Triwulan I tahun 2019. • Others.
• Lain-lain.
11 Senin, 17 Juni 2019 • Evaluasi Pelaksanaan Audit atas • Evaluation of Audit Implementation Yayat Sutaryat
Monday, June 17th, 2019 Laporan Keuangan Historis dan of the bank bjb retirement Funds Erie Febrian
Laporan Portofolio dana Pensiun Portfolio Report 2018. Mokhamad Anwar
bank bjb Tahun 2018. • Others.
• Lain-lain.
12 Senin, 17 Juni 2019 • Evaluasi Pelaksanaan Audit atas • Evaluation of Audit Implementation of Yayat Sutaryat
Monday, June 17th, 2019 Pengelolaan dana CSR bank bjb the bank bjb CSR Fund Management Erie Febrian
2018. 2018. Mokhamad Anwar
• Lain-lain. • Others.
13 Senin, 17 Juni 2019 • Evaluasi Pelaksanaan Audit atas • 1. Evaluation of Audit Implementation Yayat Sutaryat
Monday, June 17th, 2019 Laporan Keuangan bank bjb of the bank bjb Financial Statements Erie Febrian
Tahun buku 2018. for the 2018 financial year. Mokhamad Anwar
• Lain-lain. • 2. Others.
14 Selasa, 02 Juli 2019 • Pembahasan Penunjukan Kantor • Discussion on Appointment of Public Yayat Sutaryat
Tuesday, July 2nd, 2019 Akuntan Publik. Accounting Firm. Erie Febrian
• Lain-lain • Others Mokhamad Anwar
15 Selasa, 02 Juli 2019 • Pembahasan Evaluasi Lanjutan • Discussion on Continued Evaluation Yayat Sutaryat
Tuesday, July 2nd, 2019 Hasil Audit Internal Triwulan I of Internal Audit Results in the First Erie Febrian
Tahun 2019. Quarter of 2019. Mokhamad Anwar
• Lain-lain. • Others.
16 Selasa, 16 Juli 2019 • Pembahasan Laporan Kegiatan • Discussion on the Quarterly Audit Yayat Sutaryat
Tuesday, July 16th, 2019 Komite Audit Triwulan II tahun Committee Activity Reports for 2019. Farid Rahman
2019. • Others. Fahlino F. Sjuib
• Lain-lain. Mokhamad Anwar
Wawan Hernawan
Tanggal Peserta
No Agenda
Date Partisipants
17 Rabu, 24 Juli 2019 • Pembahasan Publikasi Laporan • Discussion on Publication of Financial Yayat Sutaryat
Wednesday, July 24th, 2019 Keuangan Periode 30 Juli 2019 Statements for July 30th, 2019 Farid Rahman
Unaudited. Unaudited Period. Fahlino F. Sjuib
• Lain-lain. • Others. Wawan Hernawan
18 Rabu, 14 Agustus 2019 • Pembahasan Evaluasi Hasil Audit • Discussion on Evaluation of the Results Yayat Sutaryat
Wednesday, August 14th, Internal Triwulan II tahun 2019. of Internal Audit II Quarter 2019. Farid Rahman
2019 • Pembahasan Penunjukan Kantor • Discussion on the Appointment of a Mokhamad Anwar
Akuntan Publik untuk Audit Public Accountant Office for the Audit Wawan Hernawan
Laporan Keuangan bank bjb of bank bjb Financial Statements for
Tahun Buku 2019. the 2019 Fiscal Year.
• Lain-lain. • Others.
19 Rabu, 10 September • Pembahasan Evaluasi Hasil Audit • Discussion on Evaluation of Internal Yayat Sutaryat
2019 Internal Triwulan II Tahun 2019. Audit Results in Quarter II of 2019. Farid Rahman
Wednesday, September • Pembahasan Penunjukan Kantor • Discussion on the Appointment of a Mokhamad Anwar
10th, 2019 Akuntan Publik terkait Aksi Public Accountant Office in connection Wawan Hernawan
Korporasi bank bjb Tahun 2019. with the bank bjb Corporate Action
• Lain-lain. in 2019.
• Others.
20 Selasa, 15 Oktober 2019 • Pembahasan Evaluasi dan • Discussion on Evaluation &Reporting Yayat Sutaryat
Tuesday, October 15th, Pelaporan Kegiatan Komite Audit of Audit Committee Activities in Farid Rahman
2019 Triwulan III tahun 2019. Quarter III 2019. Mokhamad Anwar
• Rencana Evaluasi Hasil Audit • Evaluation Plan for Quarter III Audit Wawan Hernawan
Triwulan III tahun 2019. Results in 2019.
• Penunjukan Kantor Akuntan Publik • Appointment of Public Accountant
untuk audit Laporan Keuangan Office for the audit of the bank bjb
dana Pensiun Lembaga Keuangan Financial Institution Pension Fund
bank bjb. Financial Statements.
• Penunjukan Akuntan Publik untuk • Appointment of Public Accountant for
Audit Penjatahan dan Biaya Emisi Audit of Allotment and Issuance Costs
Penawaran Umum Berkelanjutan I of Sustainable Public Offering I (PUB I)
(PUB I) Obligasi bank bjb Tahap III bank bjb Bonds Phase III of 2019.
Tahun 2019. --
• Lain-lainnya • Others
21 Rabu, 30 Oktober 2019 • Pembahasan Penerbitan Laporan • Discussion on the Issuance of 30 Yayat Sutaryat
Wednesday, October 30th, Keuangan Periode 30 September September 2019 Unaudited Financial Farid Rahman
2019 2019 Unaudited. Statements. Wawan Hernawan
• Lain-lain. • Others.
22 Selasa, 12 November • Pembahasan Hasil Audit Internal • Discussion of Quarter III Internal Audit Yayat Sutaryat
2019 Triwulan III tahun 2019. Results in 2019. Farid Rahman
Tuesday, November 12th, • Pembahasan Penunjukan Kantor • Discussion on Appointment of Public Mokhamad Anwar
2019 Akuntan Publik untuk melakukan Accountant Office to conduct an Wawan Hernawan
audit atas Pengelolaan dana CSR audit of the bank bjb CSR Fund
bank bjb tahun 2019. Management in 2019.
• Pembahasan Penunjukan Kantor • Discussion on Appointment of Public
Akuntan Publik untuk Audit Accounting Firm for Audit of bank bjb
Terhadap Laporan Keuangan bank Financial Statements for the 2019
bjb Tahun buku 2019. financial year.
• Lain-lain. • Others.
23 Selasa, 03 Desember • Konfirmasi Terkait Kantor Akuntan • Confirmation of Public Accounting Yayat Sutaryat
2019 Publik Office Farid Rahman
Tuesday, December 3rd, Mokhamad Anwar
2019 Wawan Hernawan
Frekuensi dan Tingkat Kehadiran Rapat Frequency and Attendance of Audit Committee
Komite Audit Meetings
Selama tahun 2019, Komite Audit telah During 2019, the Audit Committee held 23
melaksanakan rapat sebanyak 23 (dua puluh (twenty-three) meetings. The frequency and level of
tiga) kali. Adapun frekuensi dan tingkat attendance of each member of the Audit Committee
kehadiran masing-masing anggota Komite Audit are as follows.
adalah sebagai berikut.
Tabel Tingkat Kehadiran Rapat Komite Audit
Table of Attendance Level on Audit Committee Meeting
Program peningkatan kompetensi Komite Audit Program to enhance Audit Committee competency
telah disajikan pada Bab Profil Perusahaan has been presented in the Corporate Profile Chapter
dalam Laporan Tahunan ini. in this Annual Report.
Laporan Singkat Pelaksanaan Kegiatan Brief Report On The Activities of The Audit
Komite Audit Tahun 2019 Committee In 2019
Komite Audit melaksanakan kegiatan sesuai The Audit Committee carried out activities in
dengan program kerja tahun 2019 yang telah accordance with the 2019 work program including
ditetapkan, program kerja tersebut termasuk monitoring and evaluating its audit plan and
memantau dan mengevaluasi perencanaan dan implementation well as the follow-up actions from
pelaksanaan audit serta tindaklanjut hasil audit the audit results in order to assess the adequacy
dalam rangka menilai kecukupan pengendalian of internal control and the adequacy of financial
internal dan kecukupan pelaporan keuangan, reports with the following details:
dengan rincian sebagai berikut:
1. Komite Audit melakukan review dan 1. The Audit Committee reviewed and monitored
pemantauan atas pelaksanaan tugas Satuan the implementation of the duties from the
Kerja Audit Internal (SKAI), berdasarkan hasil Internal Audit Work Unit. Based on the
eveluasi yang dilakukan dapat disimpulkan evaluation results, it can be concluded that
bahwa DAI telah melakukan perencanaan the DAI has carried out a risk-based audit
audit berbasis risiko (risk based audit) dalam planning in the preparation of the work and
penyusunan program kerja yang ditetapkan has conducted an audit in accordance with
dan telah melakukan audit sesuai dengan the work program plan. It had performed
rencana program kerja serta pelaksanaan audit implementation and makes a reportin
dan pelaporan audit telah sesuai dengan accordance with the Bank’s Internal Audit
Standar Pelaksanaan Fungsi Audit Internal Function Implementation Standard/Internal
Bank (SPFAIB)/Kebijakan Audit internal. Audit Policy.
2. Komite Audit melakukan review dan 2. The Audit Committee reviewd and provided
memberikan saran-saran penyempurnaan improvements to the draft of the quarterly
terhadap draft laporan publikasi triwulanan. publication report.
3. Komite Audit melakukan review dan 3. The Audit Committee reviewed and evaluated
penilaian Kantor Akuntan Publik (KAP) untuk the Public Accounting Firm to audit financial
melakukan audit laporan keuangan Tahun reports for the Fiscal Year of 2019. It reviewed the
Buku 2019, review KAP untuk pemeriksaan Portfolio Report of Retirement Fund Investment
Laporan Portofolio Investasi Dana Pensiun for the Fiscal Year of 2019, and auditedthe
Tahun Buku 2019, dan KAP untuk audit Allotment and Emissions Costs of Sustainable
Penjatahan dan Biaya Emisi Penawaran Public offering (PUB I ) Phase III Subordinated
Umum Berkelanjutan (PUB I) Tahap III Bonds and provide recommendations to the
Obligasi Subordinasi serta memberikan Board of Commissioners on the results of the
rekomendasi kepada Dewan Komisaris atas Public Accounting election.
hasil pemilihan KAP tersebut.
4. Komite Audit melakukan evaluasi atas 4. The Audit Committee evaluated the effectiveness
efektivitas pelaksanaan audit eksternal of external audits including the review of its
termasuk penelaahan independensi independence and objectivity as well as the
dan objektivitas auditor eksternal serta review of the adequacy of audits to ensure all
penelaahan kecukupan pemeriksaan important risks have been considered. They
yang dilakukan untuk memastikan semua also evaluated the audit suitability by the public
risiko yang penting telah dipertimbangkan, accounting firm according to Financial Services
melakukan evaluasi kesesuaian pelaksanaan Authority Regulation No. 13/POJK.03/2017.
audit oleh kantor akuntan publik sesuai From the results of the monitoring and
dengan Peraturan Otoritas Jasa Keuangan evaluation of the Audit Committee, the public
No. 13/POJK.03/2017. Dari hasil pemantauan accounting firm hadworkedby referring to the
dan evaluasi Komite Audit, kantor akuntan established Auditing Standards.
publik telah melaksanakan sesuai dengan
Standar Auditing yang ditetapkan.
5. Monitoring tindak lanjut 5. Follow-up monitoring
a. Pemantauan Tindak Lanjut atas Hasil a. Follow-up Monitoring of Internal Audit
Audit Internal Results
Komite Audit melakukan pemantauan The Audit Committee monitoredthe findings
atas tindak lanjut temuan-temuan hasil from the Internal Audit Work Unit through
audit yang dilakukan oleh Satuan Kerja meetings to follow-up SKAI audit findings.
Audit Internal (SKAI) melalui rapat-rapat/
pertemuan untuk membahas hasil
temuan dan tindak lanjut hasil audit SKAI
dalam rapat/pertemuan.
b. Pemantauan Tindak Lanjut atas Hasil b. Follow-up Monitoring of External Audit
Audit Eksternal Results
Komite Audit melakukan pemantauan The Audit Committee monitored the
terhadap pemenuhan komitmen atas fulfillment of commitments on the results
Komite Nominasi dan Remunerasi merupakan The Nomination and Remuneration Committee is
salah satu alat kelengkapan Dewan Komisaris one of the tools of the Board of Commissioners
yang berfungsi untuk membantu Dewan that functions to assist them in carrying out
Komisaris dalam melaksanakan fungsi dan their functions and duties in the fields related
tugasnya di bidang yang berkaitan dengan to nomination and remuneration for members
nominasi dan remunerasi terhadap anggota of the Board of Directors and the Board of
Direksi dan Dewan Komisaris. Peraturan Commissioners. Bank Indonesia Regulations/
Bank Indonesia/Peraturan Otoritas Jasa Financial Services Authority Regulations require
Keuangan mewajibkan bank untuk membentuk banks to establish a Nomination and Remuneration
Komite Nominasi dan Remunerasi sebagai Committee as the application of good corporate
penerapan good corporate governance governance so that banks can be managed based
sehingga bank dapat dikelola berlandaskan on the principles of openness, accountability,
prinsip-prinsip keterbukaan, akuntabilitas, responsibility, independence, and fairness so that
pertanggungjawaban, independensi dan their management can be accounted for.
kewajaran sehingga pengelolaan bank dapat
dipertanggungjawabkan.
Dasar Pembentukan Komite Nominasi dan Legal Basis of The Nomination and
Remunerasi Remuneration Committee
Komite Nominasi dan Remunerasi Perseroan The Company’s Nomination and Remuneration
dibentuk berdasarkan: Committee is formed to refer to the following.
1. Peraturan Otoritas Jasa Keuangan Nomor 1. Financial Services Authority Regulation number
34/POJK.04/2014 tanggal 08 Desember 34/POJK.04/2014 dated December 8th, 2014,
2014 tentang Komite Nominasi dan concerning the Nomination and Remuneration
Remunerasi Emiten atau Perusahaan Publik Committee of Public Companies
2. Peraturan Otoritas Jasa Keuangan Nomor 2. Financial Services Authority Regulation number
55/POJK.03/2016 tanggal 9 Desember 2016 55/POJK.03/2016 dated December 9th, 2016
tentang Penerapan Tata Kelola bagi Bank concerning Application of Governance for
Umum. Commercial Banks.
3. Surat Keputusan Dewan Komisaris PT Bank 3. Decree of the Board of Commissioners of PT
Pembangunan Daerah Jawa Barat dan Bank Pembangunan Daerah Jawa Barat and
Banten, Tbk. Nomor 02/SK/DK/2016 tanggal Banten, Tbk. Number 02/SK/DK/2016 dated
04 Februari 2016 tentang Pembentukan February 4th, 2016, concerning the Formation
Komite Nominasi dan Remunerasi. of the Nomination and Remuneration Committee.
4. Surat Keputusan Dewan Komisaris PT Bank 4. Decree of the Board of Commissioners of PT
Pembangunan Daerah Jawa Barat dan Bank Pembangunan Daerah Jawa Barat and
Banten, Tbk. Nomor 08/SK/DK/2018 tanggal Banten, Tbk. number 08/SK/DK/2018 dated
20 Desember 2018 entang Pedoman December 20th, 2018 Concerning the Nomination
Komite Nominasi dan Remunerasi. and Remuneration Committee Guidelines.
5. Surat Keputusan Dewan Komisaris PT Bank 5. Decree of the Board of Commissioners of PT Bank
Pembangunan Daerah Jawa Barat dan Pembangunan Daerah West Java and Banten,
Banten, Tbk. Nomor 09/SK/DK/2018 tanggal Tbk. Number 09/SK/DK/2018 dated December
20 Desember 2018 tentang Pembagian 20th, 2018 concerning the Distribution of Tasks
Tugas dan Pelaksanaan Jadwal Kegiatan and Implementation of the Scheduled Activities
Dewan Komisaris serta Komite-Komite. of the Board of Commissioners and Committees.
6. Surat Keputusan Dewan Komisaris Nomor 6. Decree of the Board of Commissioners No.
09/SK/DK/2018 tanggal 20 Desember 2018 09/SK/DK/2018 dated December 20th, 2018,
tentang Pembagian Tugas dan Pelaksanaan concerning the Distribution of Tasks and
Jadwal Kegiatan Dewan Komisaris serta Implementation of the Scheduled Activities of
Komite – komite. the Board of Commissioners and Committees.
7. Surat Keputusan Dewan Komisaris Nomor 7. Decree of the Board of Commissioners Number
05/SK/DK/2019 tanggal 3 Juli 2019 tentang 05/SK/DK/2019 dated July 3rd, 2019, concerning
Pembagian Tugas dan Pelaksanaan Jadwal the Distribution of Tasks and Implementation
Kegiatan Dewan Komisaris serta Komite – of the Schedule of Activities of the Board of
komite. Commissioners and Committees.
8. Surat Keputusan Dewan Komisaris Nomor 8. Decree of the Board of Commissioners No. 07/
07/SK/DK/2019 tanggal 30 Juli 2019 tentang SK/DK/2019 dated July 30th, 2019 concerning
Pembagian Tugas dan Pelaksanaan Jadwal the Distribution of Tasks and Implementation
Kegiatan Dewan Komisaris serta Komite – of the Scheduled Activities of the Board of
komite. Commissioners and Committees.
Pedoman dan Tata Tertib Kerja Komite Nomination and Remuneration Committee
Nominasi dan Remunerasi Guidelines and Charter
Agar Komite Nominasi dan Remunerasi dapat To support the Nomination and Remuneration
bekerja secara efektif, maka Komite Nominasi Committee to work effectively, the Nomination and
dan Remunerasi harus mempunyai suatu Remuneration Committee must have the guideline
pedoman yang mengatur secara jelas peran dan that clearly stipulates its roles, responsibilities of and
tanggung jawab komite dan lingkup kerjanya, scope of work, which is determined by the decision
yang ditetapkan atas keputusan rapat Dewan of the bank bjb Board of Commissioners meeting.
Komisaris bank bjb. Pedoman kerja dan Tata The Guidelines and Charter of the Nomination
Tertib Kerja Komite Nominasi dan Remunerasi and Remuneration Committee are regulated in
diatur dalam Surat Keputusan Dewan the Decree of bank bjb Board of Commissioners
Komisaris bank bjb Nomor 08/SK/DK/2018 Number 08/SK/DK/2018 dated December 20th,
tanggal 20 Desember 2018 yang telah diubah 2018, which has been amended and stipulated in
dan ditetapkan dengan Surat Keputusan Dewan the Bank’s Board of Commissioners Decree Number
Komisaris bank bjb Nomor 13/SK/DK/2019 13/SK/DK/2019 December 4th, 2019, concerning
tanggal 04 Desember 2019 tentang Pedoman Guidelines for the Nomination and Remuneration
Komite Nominasi dan Remunerasi. Committee.
Tugas dan Tanggung Jawab Komite Nominasi Duties and Responsibilities of The Nomination and
dan Remunerasi Remuneration Committee
1. Komite Nominasi dan Remunerasi memiliki 1. The Nomination and Remuneration Committee
tugas dan tanggung jawab untuk menyusun has the duty and responsibility to prepare and
dan melaksanakan rencana kerja tahunan implement the annual work plan of the Nomination
Komite Nominasi dan Remunerasi sesuai and Remuneration Committee in accordance with
arahan Dewan Komisaris dan ketentuan the direction of the Board of Commissioners and
yang berlaku di Bank. the applicable provisions in the Bank.
2. Komite Nominasi dan Remunerasi 2. The Nomination and Remuneration Committee
bertanggung jawab kepada Dewan is responsible to the Board of Commissioners
Komisaris
3. Komite Nominasi dan Remunerasi wajib 3. The Nomination and Remuneration Committee
bertindak independen dalam melaksanakan must act independently in carrying out its
tugasnya. duties.
Tugas yang terkait dengan Nominasi, yaitu: Tasks related to Nominations, namely:
1. Memberikan rekomendasi mengenai 1. Providing recommendations regarding
komposisi jabatan anggota Direksi dan/atau the member’s composition of the Board of
anggota Dewan Komisaris. Directors and/or Board of Commissioners.
2. Menyusun dan memberikan rekomendasi 2. Preparing and providing recommendations
mengenai sistem dan prosedur pemilihan regarding the system and procedures for
dan/atau penggantian anggota Pengurus selecting and/or replacing members of
kepada Dewan Komisaris untuk disampaikan Management to the Board of Commissioners
kepada RUPS. Sistem dan prosedur to be submitted to the GMS. The system and
pemilihan dan/atau penggantian anggota procedures for selecting and/or replacing
Pengurus dituangkan dalam Pedoman members of the Management are set forth in
Nominasi. the Nomination Guidelines.
3. Memberikan rekomendasi nama calon 3. Providing recommendations for the names
anggota Dewan Komisaris dan Direksi of prospective members of the Board of
kepada Dewan Komisaris untuk disampaikan Commissioners and Directors to the Board of
kepada RUPS setelah melalui lulus Penilaian Commissioners to be submitted to the GMS
Kemampuan dan Kepatutan dari Otoritas after passing the Capability and Compliance
Jasa Keuangan. Assessment from the Financial Services Authority.
4. Memberikan rekomendasi mengenai Pihak 4. Providing recommendations regarding Independent
Independen yang akan menjadi calon Parties who will become prospective Committee
anggota Komite kepada Dewan Komisaris. members to the Board of Commissioners.
5. Menyusun kriteria evaluasi kinerja bagi 5. Developing performance evaluation criteria
anggota Direksi dan/atau anggota Dewan for members of the Board of Directors and/or
Komisaris. members of the Board of Commissioners.
6. Membantu Dewan Komisaris melakukan 6. Assisting the Board of Commissioners in evaluating
penilaian kinerja anggota Direksi dan/atau the performance of members of the Board of Directors
anggota Dewan Komisaris. and/or members of the Board of Commissioners.
Tugas yang terkait dengan Remunerasi, yaitu: Below are the Tasks related to Remuneration.
1. Mempelajari ketentuan dan peraturan 1. Studying the rules and regulations that apply
perundang-undangan yang berlaku dalam in the remuneration policy, the determination
kebijakan remunerasi, penetapan fasilitas of facilities and other benefits.
dan tunjangan lainnya.
2. Memberikan rekomendasi kepada Dewan 2. Provide recommendations to the Board of
Komisaris mengenai: Commissioners regarding:
a. Kebijakan remunerasi berupa gaji, fasilitas a. Remuneration policy in the form of salary,
dan tunjangan lainnya bagi Dewan facilities and other benefits for the Board
Komisaris dan Direksi untuk disampaikan of Commissioners and Directors to be
kepada RUPS. submitted to the GMS.
b. Kebijakan remunerasi bagi pejabat b. Remuneration policy for executive officers
eksekutif dan pegawai secara and employees as a whole to be submitted
keseluruhan untuk disampaikan kepada to the Directors through the Board of
Direksi melalui Dewan Komisaris. Commissioners.
3. Rekomendasi disampaikan dengan 3. Recommendations are submitted with due
memperhatikan: regard to:
1). Mempelajari ketentuan dan peraturan 1). Studying the provisions and laws and
perundang-undangan yang berlaku regulations that apply in remuneration
dalam kebijakan remunerasi, penetapan policies, determination of facilities and
fasilitas dan tunjangan lainnya. other benefits.
2). Memberikan rekomendasi kepada 2). Provide recommendations to the Board of
Dewan Komisaris mengenai: Commissioners regarding:
a. Struktur remunerasi a. Remuneration structure
b. Kebijakan atas remunerasi b. Policy on remuneration
c. Besaran atas remunerasi c. The amount of remuneration
3). Penyusunan struktur, kebijakan, dan 3). Preparation of the structure, policy and
besaran remunerasi sebagaimana amount of remuneration as referred to in
yang dimaksud pada angka 2) harus number 2) must pay attention to:
memperhatikan:
a. Remunerasi yang berlaku pada a. Remuneration that applies to the industry
industri sesuai dengan kegiatan is in accordance with the business activities
usaha perusahaan sejenis dan skala of similar companies and the business
usaha perusahaan dalam industri. scale of the company in the industry.
b. Tugas, tanggung jawab, dan b. The duties, responsibilities, and authority of
wewenang anggota Direksi dan/atau members of the Board of Directors and/or
anggota Dewan Komisaris dikaitkan members of the Board of Commissioners
dengan pencapaian tujuan dan related to the achievement of the goals
kinerja perusahaan and performance of the company
c. Target kinerja atau kinerja masing c. Performance targets or the performance of
– masing anggota Direksi dan/atau each member of the Board of Directors and/
anggota Dewan Komisaris or members of the Board of Commissioners
d. Keseimbangan tunjangan yang d. Balance of the fixed and variable
bersifat tetap dan bersifat variabel allowances
4). Membantu Dewan Komisaris melakukan 4). Assisting the Board of Commissioners in
penilaian kinerja dengan kesesuaian evaluating performance according to the
remunerasi yang diterima masing remuneration received by each member of
– masing anggota Direksi dan/atau the Board of Directors and/or members of
anggota Dewan Komisaris the Board of Commissioners.
5). Mengevaluasi struktur, kebijakan, dan 5). Evaluate the structure, policies and
besaran remunerasi yang berlaku pada remuneration amount applicable to the
Bank paling kurang 1 (satu) tahun sekali Bank at least once a year
6). Memberikan rekomendasi kepada 6). Provide recommendations to the Board of
Dewan Komisaris mengenai: Commissioners regarding:
a. Kebijakan remunerasi berupa gaji, a. Remuneration policy in the form of
fasilitas dan tunjangan lainnya bagi salary, facilities and other benefits
Dewan Komisaris dan Direksi untuk for the Board of Commissioners and
disampaikan kepada RUPS. Directors submitted to the GMS.
b. Kebijakan remunerasi bagi pejabat b. Remuneration policy for executive
eksekutif dan pegawai secara officers and employees as a whole
keseluruhan untuk disampaikan submitted to the Directors through the
kepada Direksi melalui Dewan Board of Commissioners.
Komisaris.
7). Rekomendasi sebagaimana dimaksud 7). Recommendations as referred to in
dalam angka 6) disampaikan dengan number 6) are submitted with regard
memperhatikan kinerja, risiko, kewajaran to performance, risk, fairness with peer
dengan peer group, sasaran, strategi groups, targets, Bank’s long-term strategy,
jangka panjang Bank, pemenuhan fulfillment of reserves as regulated in
cadangan sebagaimana diatur dalam applicable laws and regulations.
peraturan perundang-undangan yang
berlaku.
8). Membantu Dewan Komisaris melakukan 8). Assisting the Board of Commissioners in
penilaian kinerja dengan kesesuaian evaluating performance according to the
remunerasi yang diterima masing remuneration received by each member of
– masing anggota Direksi dan/atau the Board of Directors and/or members of
anggota Dewan Komisaris. the Board of Commissioners.
9). Memberikan rekomendasi kepada 9). Providing recommendations to the
Dewan Komisaris atas kebijakan Board of Commissioners on the overall
remunerasi pegawai Bank secara remuneration policy for Bank employees
keseluruhan untuk disampaikan kepada to be submitted to the Directors.
Direksi.
10). Memastikan bahwa kebijakan 10). Ensuring that the remuneration policy
remunerasi telah sesuai dengan complies with the provisions.
ketentuan
3. Evaluasi Kinerja Dewan Komisaris dan Direksi 3. Performance Evaluation of the Board of
1). Tugas dan Tanggung Jawab Dewan Commissioners and Directors
Komisaris 1). The Duties and Responsibilities of the
a. Dewan Komisaris wajib melaksanakan Board of Commissioners
tugas dan tanggung jawab secara a. The Board of Commissioners must carry out
independen. their duties and responsibilities independently.
b. Dewan Komisaris wajib melaksanakan b. The Board of Commissioners must
pengawasan terhadap pelaksanaan supervise the performance of the
Komite Nominasi dan Remunerasi memiliki The Nomination and Remuneration Committee
wewenang sebagai berikut: has the following authority:
1. Komite Nominasi dan Remunerasi 1. The Nomination and Remuneration Committee
berwenang untuk mengakses informasi obtain the authority to access the widest possible
Struktur, Keanggotaan dan Keahlian Komite Structure, Membership, and Expertise of The
Nominasi dan Remunerasi Nomination and Remuneration Committee
Struktur keanggotaan Komite Nominasi dan The membership structure of the Nomination
Remunerasi berdasarkan Pedoman Kerja dan and Remuneration Committee is based on the
Tata Tertib Komite Nominasi dan Remunerasi, Work Guidelines and Rules of Procedure of the
yaitu: Nomination and Remuneration Committee,
1. Komite Nominasi dan Remunerasi paling namely:
kurang terdiri dari 3 (tiga) orang anggota, 1. The Nomination and Remuneration Committee
dengan ketentuan: should consist of at least 3 (three) members,
a. 1 (satu) orang ketua merangkap anggota, with the following provisions:
yang merupakan Komisaris Independen; a. 1 (one) chairperson and also a member,
dan who is an Independent Commissioner; and
b. Anggota lainnya yang dapat berasal dari: b. Other members who can come from:
-- Anggota Dewan Komisaris -- Member of the Board of Commissioners
-- Pihak independen yang berasal dari -- Independent parties from outside the
luar bank bank circle
-- Pemimpin Divisi yang membidangi -- Division Leader in charge of Human
Sumber Daya Manusia. Resources.
2. Anggota Komite Nominasi dan Remunerasi 2. Most of the members of the Nomination
lainnya sebagian besar tidak dapat and Remuneration Committee should not be
berasal dari pihak yang menduduki coming from parties who hold managerial
jabatan manajerial di bawah Direksi yang positions under the Board of Directors in
membidangi Sumber Daya Manusia. charge of Human Resources.
3. Anggota Direksi Emiten atau Perusahaan 3. Members of the Board of Directors of an Issuer
Publik tidak dapat menjadi anggota Komite or Public Company cannot be members of the
Nominasi dan Remunerasi. Nomination and Remuneration Committee.
4. Dalam melaksanakan tugas sehari-hari, 4. In carrying out day-to-day tasks, the
Komite Nominasi dan Remunerasi dibantu Nomination and Remuneration Committee
oleh Pemimpin Bagian yang membidangi is assisted by the Section Leader in charge of
Sumber Daya Manusia serta Kesekretariatan Human Resources and Secretariat of the Board
Dewan Komisaris yang berasal dari internal of Commissioners from internal Banks based
Bank, berdasarkan Surat Keputusan Dewan on the Decree of the Board of Commissioners.
Komisaris.
Keanggotaan Membership
1. Anggota Komite Nominasi dan Remunerasi 1. Members of the Nomination and Remuneration
diangkat dan diberhentikan berdasarkan Committee are appointed and dismissed based
keputusan rapat Dewan Komisaris. on the decision of the Board of Commissioners
meeting.
2. Anggota Komite Nominasi dan Remunerasi 2. Members of the Nomination and Remuneration
yang berasal dari luar Emiten atau Committee beyond Public Company circle as
Perusahaan Publik sebagaimana dimaksud referred to in paragraph (1) letter b number 2
pada ayat (1) huruf b angka 2 wajib must meet the following requirements:
memenuhi syarat:
a. Tidak mempunyai hubungan Afiliasi a. Has no affiliation with the Issuer or
dengan Emiten atau Perusahaan Public Company, members of the Board
Publik, anggota Direksi, anggota Dewan of Directors, members of the Board of
Komisaris, atau Pemegang Saham Utama Commissioners, or Major Shareholders of
Emiten atau Perusahaan Publik tersebut; the Issuer or Public Company;
b. Memiliki pengalaman terkait Nominasi b. Having experience related to Nomination
dan/atau Remunerasi; dan and/or Remuneration; and
c. Tidak merangkap jabatan sebagai c. Not concurrently serving as another
anggota komite lainnya yang dimiliki committee member owned by the Issuer or
Emiten atau Perusahaan Publik tersebut. Public Company.
3. Ketua dan Anggota Komite Nominasi 3. The Chairperson and Members of the Nomination and
dan Remunerasi yang berasal dari unsur Remuneration Committee originating from elements of
Dewan Komisaris ditetapkan dalam sebuah the Board of Commissioners are stipulated in a decision
keputusan Dewan Komisaris tentang of the Board of Commissioners regarding the division
pembagian kerja anggota Dewan Komisaris. of work of members of the Board of Commissioners..
4. Ketua Komite Nominasi dan Remunerasi 4. The Chairperson of the Nomination and Remuneration
berhak mengusulkan kepada Dewan Committee has the right to propose to the Board
Komisaris untuk melakukan penggantian of Commissioners to replace the Nomination and
anggota Komite Nominasi dan Remunerasi. Remuneration Committee members.
5. Keputusan pengangkatan dan 5. The decision to appoint and dismiss members of
pemberhentian anggota Komite Nominasi the Nomination and Remuneration Committee
dan Remunerasi wajib didokumentasikan must be documented by the Secretariat of the
oleh Kesekretariatan Dewan Komisaris. Board of Commissioners.
Susunan Organisasi Komite Nominasi dan The Organizational Structure of the Nomination
Remunerasi pada awal tahun 2019 berdasarkan and Remuneration Committee in early 2019 was
Surat Keputusan Dewan Komisaris Nomor based on the Decree of the Board of Commissioners
09/SK/DK/2018 tanggal 20 Desember 2018 No. 09/SK/DK/2018 dated December 20th,
tentang Pembagian Tugas dan Pelaksanaan 2018, concerning the Distribution of Tasks and
Jadwal Kegiatan Dewan Komisaris serta Komite Implementation of the Scheduled Activities of the
– komite. Susunan organisasi Komite Nominasi Board of Commissioners and Committees. The
dan Remunerasi menjadi sebagai berikut. organizational structure of the Nomination and
Remuneration Committee is as follows.
Berdasarkan Surat Keputusan Dewan Komisaris Based on the Decree of the Board of Commissioners
Nomor 05/SK/DK/2019 tanggal 3 Juli 2019 number 05/SK/DK/2019 dated July 3, 2019 concerning
tentang Pembagian Tugas dan Pelaksanaan the Distribution of Tasks and Implementation of the
Jadwal Kegiatan Dewan Komisaris serta Komite Schedule of the Activities of the Board of Commissioners
– Komite, susunan organisasi Komite Nominasi and Committees, the organizational structure of the
dan Remunerasi menjadi sebagai berikut. Nomination and Remuneration Committee is as
follows.
Berdasarkan Surat Keputusan Dewan Komisaris Based on the Decree of the Board of Commissioners
Nomor 07/SK/DK/2019 tanggal 30 Juli 2019 Number 07/SK/DK/2019 dated July 30, 2019
tentang Pembagian Tugas dan Pelaksanaan regarding Division of Tasks and Implementation
Jadwal Kegiatan Dewan Komisaris serta Komite Schedule of Board of Commissioners’ Activities and
– komite, sehingga susunan Komite Nominasi Committees - committee, so that the Nomination
dan Remunerasi pada 31 Desember 2019 Committee composition and Remuneration on 31
adalah sebagai berikut. December 2019.
Profil Komite Nominasi dan Remunerasi Profile of The Nomination and Remuneration
Committee
Profil dapat dilihat pada bagian Profil Dewan Komisaris dalam The profile can be seen in the Board of Commissioners Profile section in
Laporan Tahunan ini. this Annual Report.
Anggota Member
Farid Rahman Farid Rahman
Profil dapat dilihat pada bagian Profil Dewan Komisaris dalam The profile can be seen in the Board of Commissioners Profile section in
Laporan Tahunan ini. this Annual Report.
Anggota Mamber
Eddy I. M. Nasution Eddy I. M. Nasution
Profil dapat dilihat pada bagian Profil Dewan Komisaris dalam The profile can be seen in the Board of Commissioners Profile section in
Laporan Tahunan ini. this Annual Report.
Anggota Member
Muhadi Muhadi
Profil dapat dilihat pada bagian Profil Dewan Komisaris dalam The profile can be seen in the Board of Commissioners Profile section in
Laporan Tahunan ini. this Annual Report.
Anggota Member
Fahlino F. Sjuib Fahlino F. Sjuib
Profil dapat dilihat pada bagian Profil Dewan Komisaris dalam The profile can be seen in the Board of Commissioners Profile section in
Laporan Tahunan ini. this Annual Report.
Anggota Member
Dadan Yonanda Dadan Yonanda
Tempat dan Tanggal Lahir : 11 April 1972 Place and date of birth : April 11th, 1972
Riwayat Pendidikan : Meraih gelar Sarjana Hukum di Universitas Educational background : Hold Bachelor degree of Laws from Padjadjaran
Padjadjaran Bandung pada tahun 1995. University in Bandung in 1995.
Anggota Member
Ernie Trisnawati Sule Ernie Trisnawati Sule
Tempat dan Tanggal Lahir : 18 April 1954 Place and date of birth : April 18th, 1954
Kualifikasi pendidikan dan pengalaman kerja The educational qualifications and work
masing-masing anggota Komite Nominasi dan experience of each member of the Nomination and
Remunerasi adalah sebagai berikut. Remuneration Committee are as follows.
Tabel Kualifikasi Pendidikan dan Pengalaman Kerja Komite Nominasi dan Remunerasi
Table ofQualifications and Work Experience of The Nomination and Remuneration Committee
Yayat Sutaryat Ketua Merangkap - S1 Hukum - Bachelor of Law Memiliki pengalaman kerja di
Anggota - S2 Administrasi Negara - Master of State bidang pemerintahan.
Chairperson Administration Having work experience in
concurrently as a government.
member
Eddy I. M. Anggota - S1 Teknik Sipil - Bachelor of Civil Engineering Memiliki pengalaman kerja di
Nasution* Member - S2 Ilmu Lingkungan - Master of Environmental bidang perbankan.
- S2 Studi Pembangunan Sciences Having work experience in banking.
- Master of Development
Studies
Seluruh anggota Komite Nominasi dan All members of the Nomination and Remuneration
Remunerasi yang berasal dari pihak Committee from independent parties do not have
independen tidak memiliki hubungan keuangan, financial, management, share ownership and/or
kepengurusan, kepemilikan Saham dan/atau family relations with the Board of Commissioners,
hubungan keluarga dengan Dewan Komisaris, Directors and/or Controlling Shareholders or
Direksi dan/atau Pemegang Saham Pengendali relationships with banks which can affect their
atau hubungan dengan bank, yang dapat ability to act independently.
mempengaruhi kemampuannya bertindak
independen.
Ernie
Yayat Farid Eddy I. M. Fahlino F Agus Dadan
Aspek Independensi Aspek Independensi Sutaryat Rahman Nasution
Muhadi
Sjuib
Tisnawati
Supriatna Yonanda
Sule
Rapat Komite Nominasi dan Remunerasi Meeting of The Nomination and Remuneration
Committee
Ketentuan Rapat Komite Nominasi dan Provisions for the Nomination and Remuneration
Remunerasi yang diatur dalam Pedoman Committee Meeting stipulated in the Work
dan Tata Tertib Kerja Komite Nominasi dan Guidelines and Rules The Nomination and
Remunerasi adalah sebagai berikut: Remuneration Committee is as follows:
1. Komite Nominasi dan Remunerasi 1. The Nomination and Remuneration Committee
mengadakan rapat sekurang-kurangnya 1 meets at least 1 (one) time in 4 (four) months,
(satu) kali dalam 4 (empat) bulan, dan/atau and/or is adjusted to the needs of the Bank.
disesuaikan dengan kebutuhan Bank.
2. Rapat Komite Nominasi dan Remunerasi 2. The Nomination and Remuneration
membahas mengenai antara lain Committee Meeting discussesthe remuneration
remunerasi Dewan Komisaris, Direksi, dan of the Board of Commissioners, Directors and
Pegawai, nominasi calon Dewan Komisaris Employees, nominations of candidates for the
dan Direksi, serta pihak Independen untuk Board of Commissioners and Directors, and
anggota komite. Independent parties for committee members.
3. Rapat Komite Nominasi dan Remunerasi 3. Nomination and Remuneration Committee
hanya dapat diselenggarakan apabila: meetings can only be held if:
a. Dihadiri oleh mayoritas dari jumlah a. Attended by a majority of the members
anggota Komite Nominasi dan of the Nomination and Remuneration
Remunerasi; dan Committee; and;
b. Salah satu dari mayoritas jumlah anggota b. One of the majority members of the
Komite Nominasi dan Remunerasi Nomination and Remuneration Committee
merupakan Ketua Komite Nominasi dan is the Chair of the Nomination and
Remunerasi. Remuneration Committee.
4. Rapat Komite Nominasi dan Remunerasi 4. The Meeting of the Nomination and
dapat mengambil keputusan apabila Remuneration Committee can make a
sekurang-kurangnya dihadiri oleh 51% (lima decision if at least 51% (fifty-one percent)
puluh satu per seratus) dari jumlah anggota of the members are included, including an
termasuk seorang Komisaris Independen Independent Commissioner and an Executive
dan Pejabat Eksekutif yang membawahi officer in charge of HR.
SDM.
5. Keputusan rapat Komite Nominasi dan 5. The decision of the Nomination and
Remunerasi dilakukan berdasarkan Remuneration Committee meeting is based on
musyawarah mufakat. consensus agreement.
6. Apabila dalam musyawarah tidak tercapai 6. If there is no consensus reached in the
kata mufakat, maka pengambilan keputusan deliberations, then decision making is done by
dilakukan dengan cara pengambilan suara taking the most votes (voting).
terbanyak (pemungutan suara).
7. Sehubungan dengan pemungutan suara, 7. In case of voting, each member of the
maka setiap anggota Komite Nominasi dan Nomination and Remuneration Committee
Remunerasi yang hadir berhak memberikan shall be entitled to cast 1 (one) vote and an
1 (satu) suara dan tambahan 1 (satu) suara additional 1 (one) vote for each member of
untuk setiap anggota Komite Nominasi the Nomination and Remuneration Committee
dan Remunerasi yang diwakilinya yang which he represents accompanied by a power
dilengkapi dengan surat kuasa. of attorney.
8. Rapat Komite Nominasi dan Remunerasi 8. The Meeting of the Nomination and Remuneration
dipimpin oleh ketua Komite Nominasi dan Committee is led by the Chairperson of the
Remunerasi dan/atau anggota Komite Nomination and Remuneration Committee and/
Nominasi dan Remunerasi yang berasal or members of the Nomination and Remuneration
dari unsur Dewan Komisaris apabila Committee who come from elements of the Board
ketua Komite Nominasi dan Remunerasi of Commissioners if the Chair of the Nomination
berhalangan hadir. and Remuneration Committee is unable to attend.
9. Jika dipandang perlu, Komite Nominasi 9. If necessary, the Nomination and Remuneration
dan Remunerasi dapat mengundang pihak Committee can invite other parties from the
lain dari internal Bank yang terkait dengan Bank’s internal who are related to the meeting
materi rapat dalam rapat Komite Nominasi material in the Nomination and Remuneration
dan Remunerasi. Committee meeting.
10. Setiap rapat Komite Nominasi dan 10. Each meeting of the Nomination and
Remunerasi dituangkan dalam risalah rapat Remuneration Committee is set forth in
dan didokumentasikan dengan baik dan the minutes of the meeting which is well
disampaikan secara tertulis kepada Dewan documented to be submitted in written form to
Komisaris. the Board of Commissioners.
11. Perbedaan pendapat (dissenting opinions) 11. Dissenting opinions that occur in the
yang terjadi dalam rapat Komite Nominasi Nomination and Remuneration Committee
dan Remunerasi wajib dicantumkan dalam meetings must be included in the minutes of
risalah rapat beserta alasan perbedaan the meeting along with the reasons for the
pendapat tersebut. dissenting opinions.
4. Kamis, 07 Februari • Pembahasan hasil Assessment • Discussion of the results of the Yayat Sutaryat
2019 calon Direksi assessment of candidates for directors Muhadi
Thursday, February • Lain – lain • Others. Ernie Tisnawati Sule
7th, 2019 Agus Supriyatna
5. Selasa, 12 Februari • Evaluasi Implementasi kebijakan • Evaluate the Implementation of Yayat Sutaryat
2019 yang terkait dangan SDM bank bjb policies related to bank bjb’s human Muhadi
Tuesday, February • Lain – lain. resources Ernie Tisnawati Sule
12th, 2019 • Others. Agus Supriyatna
6. Kamis, 21 Februari • Pembahasan hasil seleksi • Discussion of the results of the Yayat Sutaryat
2019 calon Direksi berdasarkan hasil selection of candidates for the Muhadi
Thursday, February assessment dan track record Directors based on the results of the Ernie Tisnawati Sule
21st, 2019 • Lain – lain. assessment and track record Agus Supriyatna
• Others.
8. Selasa, 19 Maret • Pembahasan calon pengurus yang • Discussion on the candidates for Yayat Sutaryat
2019 akan diajukan untuk mengikuti management who will be proposed to Muhadi
Tuesday, March 19th, penilaian kemampuan dan take part in the Fit and Proper Test. Ernie Tisnawati Sule
2019 kepatutan (Fit and Proper Test). • Others. Agus Supriyatna
• Lain – lain.
9. Selasa, 02 April 2019 • Pembahasan Proses Pengisian • Discussion on the Process of Yayat Sutaryat
Tuesday, April 2nd, Calon pengurus Formation of Candidates for Muhadi
2019 • Lain-lain management Ernie Tisnawati Sule
• Others. Agus Supriyatna
10. Jumat, 05 April 2019 • Pembahasan Proses Pengisian • Discussion on the Process of Filling Yayat Sutaryat
Friday, April 5th, 2019 Calon Pengurus in the Candidate Formation of Muhadi
• Lain – lain. Management Ernie Tisnawati Sule
• Others. Agus Supriyatna
11. Senin, 08 April 2019 • Assessment dan Wawancara calon • Assessment and Interview of Yayat Sutaryat
Monday, April 8th, aggota Dewan Komisaris prospective members of the Board of Muhadi
2019 • Rekomendasi calon pengurus Commissioners Ernie Tisnawati Sule
• Lain – lain. • Recommendations for candidates for Agus Supriyatna
management
• Others.
12 Senin, 29 April 2019 • Pembahasan Rekomendasi • Discussion on the Nomination Yayat Sutaryat
Monday, April 29th, Komite Nominasi dan Remunerasi and Remuneration Committee Muhadi
2019 mengenai Calon Pengurus untuk Recommendations regarding Ernie Tisnawati Sule
disampaikan kepada RUPS Candidates for Management to be Agus Supriyatna
Tahunan Tahun Buku 2018 submitted to the Annual GMS for fiscal
• Lain- lain year 2018
• Others.
13. Kamis, 02 Mei 2019 • Pembahasan hasil keputusan • Discussion on the results of the Yayat Sutaryat
Thursday, May 2nd, RUPS Tahunan Tahun Buku 2018 2018 Annual General Meeting of Muhadi
2019 Agenda Perubahan Pengurus Shareholders resolutions Agenda for Ernie Tisnawati Sule
• Lain – lain. Management Change Agus Supriyatna
• Others.
14. Rabu, 08 Mei 2019 • Pembahasan Calon Direktur • Discussion on Candidates for President Yayat Sutaryat
Wednesday, May 8th, Utama yang akan diajukan Director who will be submitted Muhadi
2019 mengikuti Fit and Proper Test following the Fit and Proper Test to Ernie Tisnawati Sule
kepada OJK OJK (Financial Service Authority) Agus Supriyatna
15 Jumat, 17 Mei 2019 • Revisi Pedoman Nominasi bank • Revised bank bjb Nomination Yayat Sutaryat
Friday, May 17th, bjb Guidelines Muhadi
2019 • Rekomendasi calon pengurus • Recommendations for candidates for Ernie Tisnawati Sule
• Lain- lain management Agus Supriyatna
• Others
16 Rabu, 22 Mei 2019 • Pembahasan Surat Otoritas Jasa • Discussion of the Financial Services Yayat Sutaryat
Wednesday, May 22nd, Keuangan (OJK) Authority (OJK) Muhadi
2019 • Lain-lain • Others Ernie Tisnawati Sule
Agus Supriyatna
17 Selasa, 16 Juli 2019 • Pembahasan Laporan Komite • Discussion of the Nomination and Yayat Sutaryat
Tuesday, July 16th, Nominasi dan Remunerasi Remuneration Committee Report for Farid Rahman
2019 triwulan II Tahun 2019 the second quarter of 2019 Eddy I. M. Nasution
• Lain-lain • Others Muhadi
Fahlino F. Sjuib
Ernie Tisnawati Sule
Agus Supriyatna
18 Selasa, 24 • Evaluasi Pengelolaan Sumber Daya • Evaluation of the bank’s Human Yayat Sutaryat
September 2019 Manusia (SDM) bank bjb Resource Management (HR) bank bjb Farid Rahman
Tuesday, September • Evaluasi Remunerasi Pegawai dan • Evaluation of bank employee and Eddy I. M. Nasution
24th, 2019 Pengurus bank bjb management remuneration bank bjb Muhadi
• Rencana Evaluasi Kinerja Pengurus • Management Performance Evaluation Fahlino F. Sjuib
Plan Dadan Yonanda
Selama tahun 2019, Komite Nominasi dan During the year 2019, the nomination and
Remunerasi telah melaksanakan rapat sebanyak remuneration committee conducted a meeting of
22 (dua puluh dua) kali. Adapun frekuensi dan 22 (twenty two) times. The frequency and level of
tingkat kehadiran rapat masing-masing anggota attendance of each nomination and remuneration
Komite Nominasi dan Remunerasi adalah committee members are listed as follows.
sebagai berikut.
Laporan Singkat Pelaksanaan Kegiatan Komite Brief Report on The Nomination and Remuneration
Nominasi dan Remunerasi Tahun 2019 Committee of The Year 2019
Komite Nominasi dan Remunerasi telah The nomination and remuneration committee
melaksanakan tugas dan tanggung jawab has carried out the duties and responsibilities
terkait dengan fungsi nominasi dan remunerasi, associated with the nomination and remuneration
diantaranya: functions, including:
1. Memberikan rekomendasi kepada Dewan 1. To provide recommendations to the Board
Komisaris terkait perpanjangan perjanjian of Commissioners relating to the extension of
kerja anggota Komite dari pihak independen. Work agreement Committee members from
2. Mengevaluasi dan memberikan independent parties.
rekomendasi kepada Dewan Komisaris 2. Evaluate and provide recommendations to the
mengenai kebijakan remunerasi Pengurus Board of Commissioners regarding remuneration
dan Pegawai. policies of the board and employees.
3. Melakukan proses nominasi untuk jabatan 3. Perform a nomination process for an empty
Pengurus yang kosong dan yang akan governing office and that will be void at the
kosong pada RUPS Tahunan Tahun Buku annual GMS of the book year 2019.
2019.
Seluruh rapat Komite Nominasi dan Remunerasi The entire meeting of the nomination and
telah didokumentasikan dengan baik dalam remuneration committee has been well
notulen rapat dengan memperhatikan jumlah documented in the meeting’s notulent with regard
kuorum kehadiran. Anggota Komite Nominasi to the number of quorum attendance. Nomination
dan Remunerasi senantiasa diberikan and remuneration committee members are
kesempatan untuk mengikuti seminar maupun always given the opportunity to attend seminars
program pelatihan untuk meningkatkan and training programs to improve the insight
wawasan dan pengetahuan terkait dengan and knowledge related to their duties and
tugas dan tanggungjawabnya. responsibilities.
bjb, untuk disaring berdasarkan kriteria-kriteria position and condition of the bank bjb. The results
yang relevan dengan jabatan dan kondisi of the screening by external assessor submitted
bank bjb. Hasil penyaringan tersebut oleh to the remuneration and nomination committee,
assessor eksternal diserahkan kepada Komite to be submitted to the OJK to implement fit and
Remunerasi dan Nominasi, untuk kemudian poper test with the knowledge of shareholders.
diajukan kepada OJK guna melaksanakan fit and Candidates who have escaped fit and proper test
poper test dengan sepengetahuan Pemegang have been submitted to be elected members of the
Saham. Kandidat yang telah lolos fit and proper Board through the GMS mechanism.
test diajukan untuk dipilih menjadi anggota
Direksi melalui mekanisme RUPS.
Komite Pemantau Risiko bank bjb dibentuk The bank bjb Risk Monitoring Committee is formed
berdasarkan: based on:
1. Peraturan OJK Nomor 55/POJK.03/2016 1. OJK Regulation No. 55/POJK.03/2016 dated
tanggal 9 Desember 2016 tentang December 9th, 2016 concerning the implementation
Penerapan Tata Kelola bagi Bank Umum. of governance for commercial banks.
2. Surat Keputusan Dewan Komisaris PT Bank 2. The Decree of Board of Commissioners of PT
Jabar Nomor 04A/SK/DK/2007 tanggal 28 Bank Jabar number 04A/SK/DK/2007 dated
Juni 2007 tentang Pembentukan Komite- June 28th, 2007 concerning the establishment
Komite dan Pedoman Kerja Komite. of committees and work guidelines committee.
3. Peraturan Otoritas Jasa Keuangan Nomor 3. Regulation of the Financial Services Authority
17/POJK.04/2014 tentang Penerapan No. 17/POJK.04/2014 On the implementation
Manajemen Risiko Terintegrasi Bagi of integrated risk management for financial
Konglomerasi Keuangan. conglomerations.
4. Peraturan Otoritas Jasa Keuangan Nomor 4. Regulation of the Financial Services Authority No.
18/POJK.03/2016 tentang Penerapan 18/POJK.03/2016 concerning implementation
Manajemen Risiko Bagi Bank Umum. of risk management for commercial banks.
5. Surat Keputusan Dewan Komisaris Nomor 5. Decree of Board of Commissioners No. 09/
09/SK/DK/2018 tanggal 20 Desember 2018 SK/DK/2018 dated December 20th, 2018
tentang Pembagian Tugas dan Pelaksanaan concerning the Division of Duties and the
Jadwal Kegiatan Dewan Komisaris serta implementation of the activities schedule of the
Komite – komite. BOC and the committees.
6. Surat Keputusan Dewan Komisaris Nomor 6. Decree of the Board of Commissioners No. 05/
05/SK/DK/2019 tanggal 3 Juli 2019 tentang SK/DK/2019 dated July 3rd, 2019 concerning the
Pembagian Tugas dan Pelaksanaan Jadwal Division of Duties and the implementation of the
Kegiatan Dewan Komisaris serta Komite – activities schedule of the BOC and committee-
komite. committees.
7. Surat Keputusan Dewan Komisaris Nomor 7. Decree of Board of Commissioners No. 07/
07/SK/DK/2019 tanggal 30 Juli 2019 tentang SK/DK/2019 dated July 30th, 2019 concerning
Pembagian Tugas dan Pelaksanaan Jadwal the Division of Duties and the implementation
Kegiatan Dewan Komisaris serta Komite – of the schedule of Commissioners and
komite. committees.
8. Surat Keputusan Dewan Komisaris PT 8. Decree of the Board of Commissioners of
Bank Pembangunan Daerah Jawa Barat PT Bank Pembangunan Jawa West Java
dan Banten, Tbk. Nomor 04/SK/DK/2018 and Banten, Tbk. No. 04/SK/DK/2018 dated
tanggal 2 Oktober 2018 tentang Pedoman October 2nd, 2018 concerning the code and
dan Tata Tertib Kerja Komite Pemantau Code of conduct of the Revised Risk Monitoring
Risiko (KPR) yang telah diperbaharui dan Committee (KPR) and stipulated by the Board
ditetapkan dengan Surat Keputusan Dewan of Commissioners Decree No. 11/SK/DKO/2019
Komisaris Nomor 11/SK/DKO/2019 tanggal dated December 4th, 2019 regarding the Risk
4 Desember 2019 tentang Pedoman dan Monitoring Committee Charter.
Tata Tertib Kerja Komite Pemantau Risiko.
Pedoman dan Tata Tertib Kerja Komite Guidelines and Code of Conduct of Risk Monitoring
Pemantau Risiko Committee
Perseroan memiliki Pedoman dan Tata Tertib The company has a guideline and code of conduct
Kerja Komite Pemantau Risiko berdasarkan of the Risk Monitoring Committee based on the
Surat Keputusan Dewan Komisaris PT Bank decree of the Board of Commissioners of PT Bank
Pembangunan Daerah Jawa Barat dan Banten, Pembangunan Jawa Barat and Banten, Tbk. No. 04/
Tbk. Nomor 04/SK/DK/2018 tanggal 02 Oktober SK/DK/2018 dated October 2nd, 2018 concerning
2018 tentang Pedoman dan Tata Tertib Kerja the revised guidelines and code of conduct of the
Komite Pemantau Risiko (KPR) yang telah Risk Monitoring Committee (KPR) and stipulated
diperbaharui dan ditetapkan dengan Surat by the Decree of the Board of Commissioners
Keputusan Dewan Komisaris Nomor 11/ No. 11/SK/DKO/2019 dated December 4th, 2019
SK/DKO/2019 tanggal 04 Desember 2019 concerning the code and Code of conduct of the
tentang Pedoman dan Tata Tertib Kerja Komite Risk Monitoring Committee.
Pemantau Risiko.
Tugas dan Tanggung Jawab Komite Duties and Responsibilities of The Risk
Pemantau Risiko Monitoring Committee
Sebagaimana diatur dalam Peraturan Otoritas As stipulated in the Financial Services Authority Regulation
Jasa Keuangan No. 18/POJK.03/2016 tentang No. 18/POJK.03/2016 concerning the implementation of
Penerapan Manajemen Risiko Bagi Bank Umum risk management for public banks article 2, the scope of
pasal 2, ruang lingkup manajemen risiko adalah: risk management is poured out as follows:
1. Bank wajib menerapkan Manajemen Risiko 1. The Bank is obliged to implement risk
secara efektif, baik untuk bank secara management effectively, both for the bank
individu maupun untuk bank secara individually as well as for the bank to
konsolidasi dengan perusahaan anak. consolidate with the subsidiary company.
2. Penerapan manajemen risiko paling sedikit 2. The application of the least risk management
mencakup: includes:
a. Pengawasan aktif Direksi dan Dewan a. Active supervision of the Board of directors
Komisaris; and BOC;
b. Kecukupan kebijakan dan prosedur b. Adequacy of risk management policies and
manajemen risiko, serta penetapan limit procedures, as well as setting risk limits;
risiko;
c. Kecukupan proses identifikasi, c. Adequacy of the process of identifying,
pengukuran, pemantauan, dan measuring, monitoring, and controlling
pengendalian Risiko serta sistem risks and risk management information
informasi Manajemen Risiko; dan systems; dan
d. Sistem pengendalian intern yang d. Comprehensive internal control system.
menyeluruh.
Wewenang dan tanggung jawab Dewan The authority and responsibilities of the Board of
Komisaris dalam kaitannya dengan manajemen Commissioners in relation to risk management,
risiko, berdasarkan Peraturan Otoritas Jasa based on regulation of the Financial Services
Keuangan No. 18/POJK.03/2016 tentang Authority No. 18/POJK.03/2016 on the application
Penerapan Manajemen Risiko Bagi Bank Umum of risk management for commercial banks article
pasal 7, paling sedikit meliputi: 7, at least include:
1. Menyetujui dan mengevaluasi kebijakan 1. Approve and evaluate the risk management
Manajemen Risiko policy
2. Mengevaluasi pertanggungjawaban Direksi 2. Evaluate the Directors ‘ accountability for the
atas pelaksanaan kebijakan manajemen implementation of risk management policy.
risiko.
3. Mengevaluasi dan memutuskan 3. Evaluate and decide the directors ‘ application
permohonan Direksi yang berkaitan dengan relating to transactions requiring the approval
transaksi yang memerlukan persetujuan of the Board of Commissioners.
Dewan Komisaris.
Tugas danTanggung Jawab terkait Pemantauan Duties and responsibilities related to risk monitoring
Risiko
1. Mengevaluasi dan menganalisa laporan 1. Evaluate and analyze bank bjb’s risk Profile
profil risiko bank bjb secara triwulanan serta report on a quarterly basis as well as other
laporan lain atau hasil kajian yang relevan reports or relevant results and provide opinions
dan memberikan pendapat berupa saran on suggestions and/or recommendations for
dan atau rekomendasi untuk perbaikan dan necessary repairs and enhancements.
penyempurnaan yang diperlukan.
2. Mengevaluasi dan menganalisa laporan 2. Evaluate and analyze bank condition report
tingkat kesehatan bank untuk bagian profil for risk profile section and Good Corporate
risiko dan Good Corporate Governance. Governance.
3. Memantau kecukupan proses identifikasi, 3. Monitor the adequacy of identification process,
pengukuran, pemantauan, pengendalian measurement, monitoring, control and risk
dan sistem informasi manajemen risiko management information system of bank bjb.
bank bjb.
4. Menyusun dan melaksanakan rencana kerja 4. Develop and implement the annual work
tahunan Komite Pemantau Risiko sesuai plan of the Risk Monitoring Committee in
ketentuan yang berlaku. accordance with applicable provisions.
Pelaksanaan Tugas Terkait Pelaksanaan Tata Execution of tasks related to the implementation of
kelola dana Pensiun pension fund governance
Komite Pemantau Risiko bertugas membantu The Risk Monitoring Committee is tasked with
Dewan Pengawas dalam memantau assisting the supervisory board in monitoring the
pelaksanaan manajemen risiko yang disusun implementation of risk management compiled by
oleh Pelaksana Tugas Pengurus serta menilai the managing task officer and assessing the risk
toleransi risiko yang dapat diambil oleh dana tolerance that the pension fund can take.
Pensiun.
Komite Pemantau risiko berwenang untuk The Risk Monitoring Committee is authorized to
mengakses informasi seluas-luasnya terkait access widest information relating to the Bank’s
dengan kebijakan manajemen risiko, struktur, risk management policy, structure, implementation
pelaksanaan dan pelaporan risiko Bank, serta and risk reporting, as well as other relevant reports
laporan dan atau informasi lain yang relevan. and or information.
Struktur, Keanggotaan dan Keahlian Komite Structure, Membership and Expertise of The Risk
Pemantau Risiko Monitoring Committee
c. 1 (satu) orang pihak independen yang c. 1 (one) independent party with expertise in
memiliki keahlian di bidang manajemen the field of risk management.
risiko.
2. Komite Pemantau Risiko diketuai oleh 2. Risk Monitoring Committee is headed by
Komisaris Independen merangkap sebagai independent Commissioner concurrently as a
anggota. the member.
3. Anggota Direksi dilarang menjadi anggota 3. Members of directors are prohibited from
Komite Pemantau Risiko. becoming members of Risk Monitoring Committee.
4. Komisaris Independen dan pihak 4. Independent Commissioner and Independent
independen yang menjadi anggota Komite party members of the Risk Monitoring
Pemantau Risiko paling sedikit berjumlah Committee at least amounted to 51% (fifty
51% (lima puluh satu persen) dari jumlah one percent) of the total members of the Risk
anggota Komite Pemantau Risiko. Monitoring Committee.
5. Anggota Komite dari pihak independen 5. Committee members from independent
ditetapkan oleh Dewan Komisaris Parties shall be appointed by the Board of
berdasarkan rekomendasi Komite Nominasi Commissioners under the recommendation of
dan Remunerasi. Anggota Komite dari pihak the nomination and remuneration committee.
independen diangkat untuk pertama kalinya Committee members from independent parties
selama satu tahun dan dapat diperpanjang are appointed for the first time for one year
untuk masa kerja satu atau dua tahun and may be extended for the next year or two
berikutnya. of the week.
6. Anggota Komite Pemantau Risiko yang 6. Members of the Risk Monitoring Committee
berasal dari pihak independen wajib who come from independent parties must have
memiliki rekam jejak yang baik sesuai a good track record in accordance with the
dengan peraturan perundang-undangan legislation and have good integrity, morality,
serta memiliki integritas, akhlak, dan moral and moral
yang baik
7. Anggota KPR dari pihak independen: 7. Members of KPR from independent parties:
a. Tidak menerima kompensasi dari a. Does not receive compensation from banks
bank dan anak perusahaan bank, atau and bank subsidiaries, or affiliates, except
afiliasinya, kecuali upah, gaji dan fasilitas for salary, salary and other facilities received
lainnya yang diterima berkaitan dengan in connection with the tasks carried out as
tugas yang dilaksanakan sebagai anggota members of the Risk Monitoring Committee;
Komite Pemantau Risiko;
b. Tidak mempunyai hubungan keluarga b. Does not have a family or business
maupun bisnis dengan Direksi dan relationship with the Directors and Board of
Dewan Komisaris; Commissioners;
c. Tidak mempunyai kedudukan rangkap c. Does not have a dual position at the bank
pada bank dan perusahaan lainnya yang and other companies affiliated with the
terafiliasi dengan bank; bank;
d. Tidak memiliki tugas, tanggung jawab, d. Do not have the duties, responsibilities, and
dan kewenangan yang menimbulkan authorities that lead to a conflict of interest.
benturan kepentingan.
8. Anggota Komite yang berasal dari pihak 8. Committee members originating from
independen diangkat oleh Direksi bank independent parties are appointed by the
berdasarkan keputusan rapat Dewan Board of Directors based on the decision of the
Komisaris. Board of Commissioners.
9. Anggota Komite dari pihak independen 9. Committee members from independent parties
dapat diberhentikan oleh Direksi sebelum may be dismissed by the board of directors
masa jabatannya berakhir, berdasarkan before the end of his term, based on the decision
keputusan rapat Dewan Komisaris karena: of the Board of Commissioners ‘ meeting:
Susunan Organisasi Komite Pemantau Risiko Organization structure of the Risk Monitoring
pada awal tahun 2019 berdasarkan Surat Committee at the beginning of 2019 based on the
Keputusan Dewan Komisaris Nomor 09/SK/ decree of the Board of Commissioners No. 09/SK/
DK/2018 tanggal 20 Desember 2018 tentang DK/2018 dated December 20th, 2018 concerning
Pembagian Tugas dan Pelaksanaan Jadwal the Division of Duties and the implementation of
Kegiatan Dewan Komisaris serta Komite – the schedule of Commissioners and committees
komite adalah sebagai berikut. and committees are as follows.
Berdasarkan Surat Keputusan Dewan Komisaris Based on the decree of the Board of Commissioners
Nomor 05/SK/DK/2019 tanggal 3 Juli 2019 No. 05/SK/DK/2019 dated July 3rd, 2019 concerning
tentang Pembagian Tugas dan Pelaksanaan the Division of Duties and the implementation of the
Jadwal Kegiatan Dewan Komisaris serta Komite activities schedule of the BOC and Committees, the
– Komite, susunan organisasi Komite Pemantau organizational arrangement of the Risk Monitoring
Risiko menjadi sebagai berikut: Committee is shown as follows:
Berdasarkan Surat Keputusan Dewan Komisaris Based on the decree of the Board of Commissioners
Nomor 07/SK/DK/2019 tanggal 30 Juli 2019 No. 07/SK/DK/2019 dated July 30th, 2019 concerning
tentang Pembagian Tugas dan Pelaksanaan the Division of Duties and the implementation of
Jadwal Kegiatan Dewan Komisaris serta Komite – the activities schedule of the BOC and Committees,
komite, susunan Komite Pemantau Risiko pada the arrangement of the Risk Monitoring Committee
31 Desember 2019 adalah sebagai berikut: on December 31st, 2019 is as follows:
Profil Komite Pemantau Risiko per 31 Desember The Risk Monitoring Committee profile as of
2019 adalah sebagai berikut. December 31st, 2019 is described as follows.
Profil dapat dilihat pada bagian Profil Dewan Komisaris dalam This profile can be seen in the BOC Profile section of this annual report.
Laporan Tahunan ini.
Anggota Komite Pemantau Risiko Risk Monitoring Committee Member
Eddy I. M. Nasution Eddy I. M. Nasution
Profil dapat dilihat pada bagian Profil Dewan Komisaris dalam This profile can be seen in the BOC Profile section of this annual report.
Laporan Tahunan ini.
Anggota Komite Pemantau Risiko Risk Monitoring Committee Member
Muhadi Muhadi
Profil dapat dilihat pada bagian Profil Dewan Komisaris dalam This profile can be seen in the BOC Profile section of this annual report.
Laporan Tahunan ini.
Anggota Komite Pemantau Risiko Risk Monitoring Committee Member
Tettet Fitrijanti Tettet Fitrijanti
Tempat dan Tanggal Lahir : 11 Desember 1968 Place and date of birth : December 11th, 1968
Tempat dan Tanggal Lahir : 25 Agustus 1956 Tempat dan Tanggal Lahir : August 25th, 1956
Kualifikasi Pendidikan dan Pengalaman Education Qualification and Work Experience Risk
Kerja Komite Pemantau Risiko Monitoring Committee
Ketentuan mengenai pelaksanaan rapat Komite The provisions regarding the implementation of Risk
Pemantau Risiko telah tertuang dalam Pedoman Monitoring Committee meeting have been contained
dan Tata Tertib Kerja Komite Pemantau Risiko in the guidelines and the Code of conduct of the Risk
diantaranya adalah sebagai berikut: Monitoring Committee are mentioned as follows:
1. Komite Pemantau Risiko mengadakan 1. Risk Monitoring Committee convene a meeting
rapat paling sedikit 1 (satu) kali dalam 4 of at least 1 (one) time in 4 (four) months and/
(empat) bulan dan/atau disesuaikan dengan or adjusted to the needs of the Bank.
kebutuhan Bank.
2. Rapat Komite Pemantau Risiko dapat 2. The Risk Monitoring Committee meeting can
mengambil keputusan apabila sekurang- make a decision if at least 51% (fifty one per
kurangnya dihadiri oleh 51% (lima puluh hundred) is attended by the number of members
satu per seratus) dari jumlah anggota including an independent commissioner.
termasuk seorang Komisaris Independen.
3. Keputusan rapat Komite Pemantau Risiko 3. Decision meeting of Risk Monitoring Committee
dilakukan berdasarkan musyawarah is conducted based on consensus deliberation.
mufakat.
4. Apabila dalam musyawarah tidak tercapai 4. If in deliberation is not reached the word
kata mufakat, maka pengambilan keputusan consensus, then decision making is done by
dilakukan dengan cara pengambilan suara means of the most voting (voting).
terbanyak (pemungutan suara).
5. Sehubungan dengan pemungutan suara, 5. With respect to voting, each member of
maka setiap anggota Komite Pemantau the Risk Monitoring Committee present is
Risiko yang hadir berhak memberikan 1 entitled to give 1 (one) vote and an additional
(satu) suara dan tambahan 1 (satu) suara 1 (one) vote for each member of the Risk
untuk setiap anggota Komite Pemantau Monitoring Committee which is derived from
Risiko yang berasal dari Komisaris/Komisaris the Commissioner/independent Commissioner
Independen yang diwakilinya dan dilengkapi which it represents and is equipped with a
dengan surat kuasa. power of attorney.
6. Rapat Komite Pemantau Risiko dipimpin 6. The Risk Monitoring committee meeting is
oleh ketua Komite Pemantau Risiko atau led by the Chairman of the Risk Monitoring
anggota Komite Pemantau Risiko yang Committee or a member of the Risk Monitoring
ditunjuk apabila ketua Komite Pemantau Committee appointed if the chairman of the
Risiko berhalangan hadir dan dituangkan Risk Monitoring Committee is absent and
dengan jelas dalam risalah rapat. clearly outlined in the minutes of the meeting.
7. Jika dipandang perlu, Komite Pemantau 7. If deemed necessary, the Risk Monitoring
Risiko dapat mengundang pihak lain yang Committee may invite other Parties related to
terkait dengan materi rapat dalam rapat the meeting material in the Risk Monitoring
Komite Pemantau Risiko. Committee meeting.
8. Setiap rapat Komite Pemantau Risiko 8. Each meeting of the Risk Monitoring Committee
dituangkan dalam risalah rapat dan is poured in the minutes of the meeting and
ditandatangani oleh seluruh anggota signed by all members of the Committee
Komite yang hadir serta didokumentasikan present and well documented.
dengan baik.
9. Perbedaan pendapat (dissenting opinions) 9. Dissenting opinions that occur in the meeting
yang terjadi dalam rapat Komite Pemantau of the Risk Monitoring Committee shall be
Risiko wajib dicantumkan dalam risalah listed in the minutes of the meeting and the
rapat beserta alasan perbedaan pendapat reasons for the disagreements.
tersebut.
Agenda Rapat Komite Pemantau Risiko Agenda Meeting of Risk Monitoring Committee
Sepanjang tahun 2019, tanggal pelaksanaan, Throughout 2019, the dates of implementation,
agenda dan peserta rapat Komite Pemantau meeting agenda and participants of the Risk
Risiko, sebagai berikut. Monitoring Committee meeting are presented as
follows.
Peserta Rapat
Tanggal Rapat Agenda Rapat
No. Meeting
Meeting Date Meeting Agenda
Participants
1 Kamis, 28 Februari • Pembahasan Tingkat Kesehatan Bank • Condition level discussion of Bank (TKB) Muhadi
2019 (TKB) Semester II tahun 2018 Semester II Year 2018 Yayat Sutaryat
Thursday, February 28th, • Pembahasan Tindaklanjut Komitmen • Discussion of the commitment to the Nury Effendi
Atas Hasil Pemeriksaan Otoritas Jasa results of the Financial Services Authority
2019 Tettet Fitrijanti
Keuangan posisi 30 April 2018. examination, Position April 30th, 2018.
• Lain-lain. • Others.
2 Selasa, 18 Juni 2019 • Pembahasan RCCR Posisi April 2019. • Pembahasan RCCR Posisi April 2019. Muhadi
Tuesday, June 18th, 2019 • Lain-lain • Others. Yayat Sutaryat
Nury Effendi
Tettet Fitrijanti
3 Rabu, 08 Mei 2019 • Laporan Komite Pemantau Risiko • Risk Monitoring Committee report year Muhadi
Wednesday, May 8th, Tahun 2018 2018 Yayat Sutaryat
2019 • Pembahasan Program Kerja Komite • Work Program discussion of Risk Nury Effendi
Pemantau Risiko Tahun 2019. Monitoring Committee year 2019.
Tettet Fitrijanti
• Lain-lain • Others.
4 Selasa, 25 Juni 2019 • Pembahasan Potensi Risiko Kredit • Discussion of potential credit risk and Muhadi
Tuesday, June 25th, 2019 dan Risiko Stratejik. strategic risk. Yayat Sutaryat
• Lain-lain. • Others. Nury Effendi
Tettet Fitrijanti
5 Selasa, 16 Juli 2019 • Laporan KPR Triwulan II Tahun 2019 • Quarter II KPR report Year 2019 Farid Rahman
Tuesday, July 16th, 2019 • Lain-lainnya. • Others. Eddy I. M. Nasution
Muhadi
Nury Effendi
Tettet Fitrijanti
6 Selasa, 20 Agustus • Pembahasan Laporan Profil Risiko • Discussion of quarterly Risk Profile report Farid Rahman
2019 Triwulan II tahun 2019 II year 2019 Eddy I. M. Nasution
Tuesday, August 20th, • Pembahasan Interest Rate Risk Banking • Discussion of Interest Rate Risk Banking Muhadi
Book (IRRBB) Book (IRRBB)
2019 Nury Effendi
• Lain-lainnya. • Others.
Tettet Fitrijanti
7 Rabu, 25 September • Pembahasan Risiko Hukum dan • Legal risk and reputation risk discussion. Farid Rahman
2019 Risiko Reputasi. Eddy I. M. Nasution
Wednesday, September Muhadi
25th, 2019 Nury Effendi
Tettet Fitrijanti
8 Selasa, 27 November • Tingkat Kesehatan Bank Semester I • Condition level of Bank Semester I year Farid Rahman
2019 Tahun 2019 2019 Muhadi
Tuesday, November 27th, • Risiko Likuiditas dan Risiko Pasar • Liquidity risk and market risk Nury Effendi
2019 Tettet Fitrijanti
Selama tahun 2019, Komite Pemantau Risiko During 2019, the Risk Monitoring Committee
telah melaksanakan rapat sebanyak 8 (delapan) conducted a meeting of 8 (eight) times. The
kali. Adapun frekuensi dan tingkat kehadiran frequency and meeting attendance level of each
rapat masing-masing anggota Komite Pemantau member of the Risk Monitoring Committee are as
Risiko adalah sebagai berikut. follows.
Komite Pemantau Risiko selama tahun 2019 The Risk Monitoring Committee for the year 2019
telah melaksanakan kegiatan sesuai dengan has conducted activities in accordance with the
Program Kerja Komite Pemantau Risiko (KPR) work Program of the Risk Monitoring Committee
tahun 2019 yang telah ditetapkan, diantaranya (KPR) of 2019 which has been established, among
melakukan evaluasi kesesuaian antara kebijakan them conducting evaluation of conformity between
manajemen risiko dengan pelaksanaan risk management policies by implementing
kebijakan, serta memantau dan mengevaluasi Monitoring and evaluating the duties of the Risk
pelaksanaan tugas Komite Manajemen Risiko Management committee and Risk Management
dan Satuan Kerja Manajemen Risiko, melalui: Work Unit, through:
1. Memantau Tingkat Kesehatan Bank (TKB) 1. Monitoring Bank Condition (TKB) Semester II
Semester II Tahun 2018 melalui penelaahan Year 2018 through the study and discussion
dan pembahasan Laporan Tingkat of the condition report of the Bank’s Self
Kesehatan Bank self assesment semester II Assessment Semester II year 2018.
tahun 2018.
1. Mengevaluasi tingkat risiko melalui 2. Evaluating the risk level through study and
penelaahan dan pembahasan Laporan discussion of risk profile report of quarterly Self
Profil Risiko self assessment Triwulan II Tahun Assessment II year 2019.
2019.
2. Memantau Tingkat Kesehatan Bank (TKB) 3. Monitoring Bank Condition (TKB) Semester I
Semester I Tahun 2019 melalui penelaahan Year 2019 through the study and discussion
dan pembahasan Laporan Tingkat of the condition report of the Bank’s Self
Kesehatan Bank self assesment semester I Assessment semester I year 2019.
tahun 2019.
3. Memantau kepatuhan atas peraturan 4. Monitoring compliance with the Interest Rate
mengenai Interest Rate Risk Banking Risk Banking Book (IRRBB) Regulations through
Book (IRRBB) melalui penelaahan dan study and discussion IRRBB 2019.
pembahasan IRRBB 2019.
4. Mengevaluasi tingkat risiko Kredit melalui 5. Evaluating Credit risk level through the
pembahasan Root Caused Credit Risk (RCCR). discussion of Root Caused Credit Risk (RCCR).
5. Memantau Risiko Likuiditas melalui 6. Monitoring liquidity risk through specific
pembahasan secara khusus perkembangan discussion of liquidity risk development.
Risiko Likuiditas.
6. Memantau Risiko Pasar melalui pembahasan 7. Monitoring market risk through a particular
secara khusus perkembangan Risiko Pasar. discussion of market risk development.
7. Memantau Risiko Hukum melalui 8. Monitoring the legal risk through specific
pembahasan secara khusus perkembangan discussion on the development of legal risks.
Risiko Hukum.
8. Memantau Risiko Kepatuhan melalui 9. Monitoring compliance risk through specific
pembahasan secara khusus perkembangan discussion of the development of compliance
Risiko Kepatuhan. risk.
9. Memantau Risiko Stratejik melalui 10. Monitoring the risk of stratejics through
pembahasan secara khusus perkembangan particular discussion of strategic risk
Risiko Stratejik. development.
10. Memantau Risiko Reputasi melalui 11. Monitoring reputation risk through specific
pembahasan secara khusus perkembangan discussion of the development of reputational
Risiko Reputasi. risk.
11. Melakukan Tindak Lanjut Komitmen Atas 12. Conducting a follow-up commitment to the results
Hasil Pemeriksaan Otoritas Jasa Keuangan. of the Financial Services Authority examination.
12. Menyusun dan membahas Laporan Komite 13. Drafting and discussing the Risk Monitoring
Pemantau Risiko Periode Tahun 2018. committee report, period 2018.
13. Menyusun dan membahas Program Kerja 14. Drafting and discussing the work Program of
Komite Pemantau Risiko Periode Tahun Risk Monitoring Committee year 2019.
2019.
14. Membahas Laporan Komite Pemantau 15. Discussing the report of the Quarterly Risk
Risiko Triwulan II Tahun 2019. Monitoring Committee II year 2019.
Peraturan Otoritas Jasa Keuangan Nomor 18/ Regulation of the Financial Services Authority No.
POJK.03/2014 tentang Penerapan Tata Kelola 18/POJK.03/2014 concerning the implementation
Terintegrasi Bagi Konglomerasi Keuangan guna of integrated governance for financial
mengatur pelaksanaan tata kelola terintegrasi conglomerates to govern the implementation
bagi Lembaga Jasa Keuangan yang memiliki of integrated governance for financial services
Dasar Pembentukan Komite Tata Kelola The Basis of Integrated Governance Committee
Terintegrasi
Komite Tata Kelola Terintegrasi bank bjb The bank bjb Integrated Governance Committee is
dibentuk berdasarkan: formed based on:
1. Peraturan Otoritas Jasa Keuangan Nomor 1. Regulation of the Financial Services Authority
55/POJK.03/2016 tanggal 9 Desember 2016 No. 55/POJK.03/2016 dated December 9th,
tentang Penerapan Tata Kelola bagi Bank 2016 concerning The Implementation of
Umum. Governance For Commercial Banks.
2. Peraturan Otoritas Jasa Keuangan Nomor 2. Regulation of the Financial Services Authority
18/POJK.03/2014 tentang Penerapan Tata No. 18/POJK.03/2014 concerning the
Kelola Terintegrasi Bagi Konglomerasi Implementation of Integrated Governance For
Keuangan Financial Conglomerate
3. Peraturan Otoritas Jasa Keuangan Nomor 3. Regulation of the Financial Services Authority No.
17/POJK.03/2014 dan Surat Edaran Otoritas 17/POJK.03/2014 and Circular Letter of Financial
Jasa Keuangan Nomor 14/SEOJK.03/2015 Services Authority No. 14/SEOJK.03/2015
tentang Penerapan Manajemen Risiko concerning the implementation of Integrated Risk
Terintegrasi bagi Konglomerasi Keuangan. Management For Financial Conglomerations.
4. Surat Keputusan Dewan Komisaris Nomor 4. Decree of Board of Commissioners No. 09/
09/SK/DK/2018 tanggal 20 Desember 2018 SK/DK/2018 dated December 20th, 2018
tentang Pembagian Tugas dan Pelaksanaan concerning the Division of Duties and The
Jadwal Kegiatan Dewan Komisaris serta Implementation of The Activities Schedule of
Komite – komite. The BOC and The Committees.
5. Surat Keputusan Dewan Komisaris Nomor 5. Decree of Board of Commissioners No. 05/
05/SK/DK/2019 tanggal 3 Juli 2019 tentang SK/DK/2019 dated July 3rd, 2019 concerning
Pembagian Tugas dan Pelaksanaan Jadwal the Division of Duties and the implementation
Kegiatan Dewan Komisaris serta Komite – of the activities schedule of the BOC and
komite. Committees.
6. Surat Keputusan Dewan Komisaris Nomor 6. Decree of Board of Commissioners No. 07/SK/
07/SK/DK/2019 tanggal 30 Juli 2019 tentang DK/2019 dated July 30th, 2019 concerning the
Pembagian Tugas dan Pelaksanaan Jadwal Division of Duties And The Implementation of
Kegiatan Dewan Komisaris serta Komite – The Board of Commissioners Activities And
komite. Committee.
Komite Tata Kelola Terintegrasi telah memiliki The Integrated governance Committee has had
Pedoman dan Tata Tertib Kerja Komite Tata the code and code of conduct of the Integrated
Kelola Terintegrasi (KTT) berdasarkan Surat Governance Committee (KTT) based on the Board
Keputusan Dewan Komisaris Nomor 05/ SK/ of Commissioners Decree No. 05/SK/DK/2016
DK/2016 tanggal 31 Maret 2016. dated March 31st, 2016.
Tugas dan Tanggung Jawab Komite Tata Duties and Responsibilities of The Integrated
Kelola Terintegrasi Governance Committee
Komite Tata Kelola Terintegrasi memiliki tugas The Integrated Governance Committee has the
dan tanggung jawab untuk menyusun dan duty and responsibility to compile and implement
melaksanakan rencana kerja tahunan sesuai the annual work plan as directed by the Board
arahan Dewan Komisaris dan ketentuan yang of Commissioners and the provisions applicable
berlaku di Bank. Adapun tugas dan tanggung in the Bank. The duties and responsibilities of the
jawab Komite Tata Kelola Terintegrasi adalah: Integrated Governance Committee are:
1. Mengawasi penerapan tata kelola pada 1. Supervise the implementation of governance
masing-masing Lembaga Jasa Keuangan in each financial institution in accordance with
agar sesuai dengan Kebijakan Tata Kelola the integrated Governance policy.
Terintegrasi.
2. Memberikan rekomendasi kepada Dewan 2. To provide recommendations to the Board of
Komisaris Entitas Utama mengenai Commissioners of the main entity regarding the
pelaksanaan tugas dan tanggung jawab implementation of the duties and responsibilities
Direksi Entitas Utama atas pelaksanaan of the board of Directors of main entities on the
Kebijakan Tata Kelola Terintegrasi dan implementation of integrated governance policy
tindak lanjut hasil audit dari pihak intern and follow-up of audit results from internal and
dan ekstern. external authorities.
3. Melakukan evaluasi terhadap Kebijakan Tata 3. Evaluate the integrated governance policy.
Terintegrasi yang telah ditetapkan.
4. Mengevaluasi dan menganalisa laporan 4. Evaluate and analyze the integrated
tata kelola terintegrasi yang diberikan oleh governance report provided by the Board of
Direksi serta laporan lain. Directors as well as other reports.
5. Menyusun dan melaksanakan rencana kerja 5. Develop and implement an annual work plan
tahunan Komite Tata Kelola Terintegrasi of the Integrated Governance Committee as
sesuai arahan Dewan Komisaris dan directed by the Board of Commissioners and
ketentuan yang berlaku di Bank. the provisions applicable in the Bank.
6. Membuat program kerja tahunan. 6. Create an annual work program.
7. Membuat laporan hasil evaluasi dan 7. Generate evaluation report and recommend
merekomendasikan kepada Dewan to the Board of Commissioners at least 1 (one)
Komisaris paling kurang 1 (satu) kali dalam time in each quarter.
setiap Triwulan.
Wewenang Komite Tata Kelola Terintegrasi Authority of The Integrated Governance Committee
Struktur, Keanggotaan dan Keahlian Komite Structure, Membership and Expertise of The
Tata Kelola Terintegrasi Integrated Governance Committee
Struktur Komite Tata Kelola Terintegrasi terdiri The structure of the Integrated Governance
dari: Committee:
1. Ketua Komite Tata Kelola Terintegrasi. 1. Chairman of the Integrated Governance Committee.
2. Anggota Komite Tata Kelola Terintegrasi dari 2. Member of the Integrated Governance
Komisaris Independen. Committee of the Independent Commissioner.
3. Anggota Komite Tata Kelola Terintegrasi dari 3. Member of the Integrated Governance
Komisaris. Committee of Commissioners.
4. Anggota Komite Tata Kelola Terintegrasi dari 4. Member of the Integrated Governance
pihak indpenden. Committee of the Parties.
5. Anggota Komite Tata Kelola Terintegrasi 5. Member of the Integrated Governance
dari Ex officio Dewan Komisaris bank bjb Committee of Ex officio of the Board of
Syariah. Commissioners bank bjb Syariah.
6. Anggota Komite Tata Kelola Terintegrasi 6. Member of the Integrated Governance
dari Ex officio Dewan Pengawas bank bjb Committee of Ex officio of the supervisory
Syariah. board of bank bjb Syariah.
7. Anggota Komite Tata Kelola Terintegrasi 7. Member of the Integrated Governance
dari Ex officio Dewan Pengawas PT BPR LPK Committee of Ex officio Board of Trustees of PT
Intan Jabar. BPR LPK Intan Jabar.
8. Anggota Komite Tata Kelola Terintegrasi dari 8. Member of Integrated Governance Committee
Ex officio Dewan Pengawas PT BPR Karya of Ex officio Board of Trustees of PT BPR Utama
Utama Jabar. works.
Berdasarkan Surat Keputusan Dewan Komisaris Based on the decree of the Board of Commissioners
Nomor 05/SK/DK/2019 tanggal 3 Juli 2019 No. 05/SK/DK/2019 dated July 3rd, 2019 concerning
tentang Pembagian Tugas dan Pelaksanaan the Division of Duties and the implementation of
Jadwal Kegiatan Dewan Komisaris serta Komite the activities schedule of the BOC and Committees,
– Komite, susunan organisasi Komite Tata Kelola the organizational arrangement of the Integrated
Terintegrasi adalah sebagai berikut: Governance Committee is as follows:
Berdasarkan Surat Keputusan Dewan Komisaris Based on the decree of the Board of Commissioners
Nomor 07/SK/DK/2019 tanggal 30 Juli 2019 No. 07/SK/DK/2019 dated July 30th, 2019 concerning
tentang Pembagian Tugas dan Pelaksanaan the Division of Duties and the implementation
Jadwal Kegiatan Dewan Komisaris serta Komite of the activities Schedule of Commissioners and
– komite, susunan Komite Audit pada 31 committees, the Audit Committee arrangement on
Desember 2019 adalah sebagai berikut: December 31st, 2019 is as follows:
Kualifikasi
No.
Pendidikan dan Pengalaman
Nama Jabatan Kerja Komite Tata Kelola Terintegrasi
Keterangan Keahlian
Name Position Explanation Expertise
1. Fahlino F. Sjuib Ketua Merangkap Anggota Komisaris Independen Ekonomi dan Akuntansi
Chairperson concurrently as a member Independent Commissioner Economics and Accounting
2. Eddy I. M. Nasution Anggota | Member Komisaris Teknik, Ilmu Lingkungan dan Studi
Commissioner Pembangunan
Engineering, Environmental Sciences
and Development Studies
3. Muhadi Anggota | Member Komisaris Teknik, Perencanaan Wilayah dan
Commissioner Tata Kota
Engineering, territorial planning and
urban governance
4. Yayat Sutaryat Anggota | Member Komisaris Independen Keuangan dan Hukum
Independent Commissioner Finance and Law
5. Erie Febrian Anggota | Member Pihak Independen Ekonomi dan Manajemen Keuangan
Independent Party Economics and financial management
Profil Komite Tata Kelola Terintegrasi per 31 The profile of the Integrated Governance Committee
Desember 2019 adalah sebagai berikut. as of December 31st, 2019 is as follows.
Profil dapat dilihat pada bagian Profil Dewan Komisaris dalam Laporan The profile can be seen in the BOC Profile section of this annual report.
Tahunan ini.
Anggota Member
Eddy I. M. Nasution Eddy I. M. Nasution
Profil dapat dilihat pada bagian Profil Dewan Komisaris dalam Laporan The profile can be seen in the BOC Profile section of this annual report.
Tahunan ini.
Anggota Member
Yayat Sutaryat Yayat Sutaryat
Profil dapat dilihat pada bagian Profil Dewan Komisaris dalam Laporan The profile can be seen in the BOC Profile section of this annual report.
Tahunan ini.
Anggota Member
Erie Febrian Erie Febrian
Tempat dan Tanggal Lahir : 18 Februari 1972 Tempat dan Tanggal Lahir : Februari 18th, 1972
Kualifikasi Pendidikan dan Pengalaman Kerja Komite Tata Education Qualification and Work Experience Integrated Governance
Kelola Terintegrasi Committee
Tabel Kualifikasi Pendidikan dan Pengalaman Kerja Komite Tata Kelola Terintegrasi
Education Qualification and Work Experience integrated Governance Committee table
Eddy
Fahlino Yayat Erie Wawan
Aspek Independensi Aspect of Independence I. M. Muhadi
F. Sjuib Sutaryat Febrian Hernawan
Nasution
Tidak memiliki hubungan No financial relationship with
keuangan dengan Dewan the Board of Commissioners √ √ √ √ √ √
Komisaris dan Direksi and Board of Directors
Tidak memiliki hubungan No management relationship
kepengurusan di in company, subsidiary, or
perusahaan, anak affiliated company √ √ √ √ √ √
perusahaan, maupun
perusahaan afiliasi
Tidak memiliki hubungan Has no share ownership
kepemilikan Saham di relationship in the company √ √ √ √ √ √
perusahaan
Tidak memiliki hubungan No family relationship with
keluarga dengan Dewan the Board of Commissioners,
Komisaris, Direksi, dan/atau directors, and/or other √ √ √ √ √ √
sesama anggota Komite Tata members of the Integrated
Kelola Terintegrasi Governance Committee
Tidak menjabat sebagai Not serving as a manager of
pengurus partai politik, political parties, officers and √ √ √ √ √ √
pejabat dan pemerintah governments
Ketentuan Rapat Komite Tata Kelola Terintegrasi The Integrated Governance Committee meeting
diatur dalam Pedoman dan Tata Tertib Kerja provisions are governed by the Code and Code of
Komite Tata Kelola Terintegrasi adalah sebagai conduct of the Integrated Governance Committee
berikut: as follows:
1. Rapat Komite Tata Kelola Terintegrasi 1. Integrated Governance Committee meeting
mengadakan rapat sekurang-kurangnya held at least 4 (four) times in 1 (one) year,
4 (empat) kali dalam 1 (satu) tahun, adjusted to the needs of the Bank.
disesuaikan dengan kebutuhan Bank.
2. Rapat Komite Tata Kelola Terintegrasi 2. Integrated Governance Committee meeting
membahas mengenai evaluasi kebijakan discusses policy evaluation and integrated
dan penerapan tata kelola terintegrasi pada governance implementation of LJK.
LJK.
3. Rapat Komite Tata Kelola Terintegrasi dapat 3. Integrated Governance Committee meeting
dilaksanakan melalui video conference. can be implemented through video conference.
4. Hasil rapat Komite Tata Kelola Terintegrasi 4. The results of the Integrated Governance
dituangkan dalam risalah rapat dan Committee meeting are set forth in the minutes
didokumentasikan secara baik. of the meeting and well documented.
5. Perbedaan pendapat (dissenting opinion) 5. Dissenting opinion that occurs in the meeting
yang terjadi dalam rapat Komite Tata Kelola of the Integrated Governance Committee is
Terintegrasi dicantumkan secara jelas dalam clearly listed in the minutes of the meeting and
risalah rapat beserta alasan perbedaan the reasons of disagreements.
pendapat.
6. Rapat Komite Tata Kelola Terintegrasi dapat 6. The Integrated Governance Committee meeting
mengambil keputusan apabila sekurang- is able to make a decision if at least 51% (fifty
kurangnya dihadiri oleh 51% (lima puluh one and a hundred) of the member’s number
satu per seratus) dari jumlah anggota including an independent commissioner.
termasuk seorang Komisaris Independen.
7. Keputusan rapat Komite Tata Kelola 7. The decision of the Integrated Governance
Terintegrasi dilakukan berdasarkan Committee meeting is based on consensus
musyawarah mufakat. deliberation.
8. Apabila dalam musyawarah tidak tercapai 8. If in deliberation is not reached the word
kata mufakat, maka pengambilan keputusan consensus, then the decision making is done
dilakukan dengan cara pengambilan suara by means of the most voting.
terbanyak (pemungutan suara).
9. Sehubungan dengan pengambilan suara, 9. With respect to voting, each member of the
maka setiap anggota Komite Tata Kelola Integrated Governance Committee who is
Terintegrasi yang hadir berhak memberikan present is entitled to provide 1 (one) vote and
1 (satu) suara dan tambahan 1 (satu) suara an additional 1 (one) vote for each member of
untuk setiap anggota Komite Tata Kelola the Integrated Governance Committee that is
Terintegrasi yang diwakilinya yang dilengkapi represented by the Power of Attorney.
dengan surat kuasa.
10. Rapat Komite Tata Kelola Terintegrasi 10. The Integrated Governance Committee meeting
dipimpin oleh ketua Komite Tata Kelola is headed by the Chairman of the Integrated
Terintegrasi atau anggota Komite Tata Governance Committee or a member of the Integrated
Kelola Terintegrasi yang berasal dari unsur Governance Committee which is derived from the
Dewan Komisaris apabila ketua Komite Tata Board of Commissioners when the Chairman of the
Kelola Terintegrasi berhalangan hadir. Integrated Governance Committee is absent.
1. Jika dipandang perlu, Komite Tata Kelola 11. If deemed necessary, the Integrated
Terintegrasi dapat mengundang pihak Governance Committee may invite other
lain dari internal Bank yang terkait dengan Parties from the internal Bank in relation
materi rapat dalam rapat Komite Tata Kelola to the meeting material at the Integrated
Terintegrasi. Governance Committee meeting.
Agenda Rapat Komite Tata Kelola Terintegrasi Agenda Meeting of Integrated Governance
Committee
Sepanjang tahun 2019, tanggal pelaksanaan, Throughout the year 2019, the date of
Agenda rapat dan Peserta rapat Komite Tata implementation, the Agenda of the meeting and
Kelola Terintegrasi, sebagai berikut. the participants of the Integrated Governance
Committee meeting are presented as follows.
Selama tahun 2019, Komite Tata Kelola During 2019, the Integrated Governance Committee
Terintegrasi telah melaksanakan 7 (tujuh) kali carried out 7 (seven) meetings. The frequency and
rapat. Adapun frekuensi dan tingkat kehadiran meeting attendance level of each member of the
rapat masing-masing anggota Komite Tata Integrated Governance Committee are as follows.
Kelola Terintegrasi adalah sebagai berikut.
Selama tahun 2019 Komite Tata Kelola During the year 2019 the Integrated Governance
Terintegrasi telah melaksanakan kegiatan Committee has carried out activities in accordance
sesuai dengan program kerja yang telah with the established work program. These
ditetapkan. Tugas tersebut termasuk melakukan tasks include monitoring and evaluating the
pemantauan dan melakukan evaluasi penerapan implementation of the integrated governance of
tata kelola terintegrasi konglomerasi keuangan bank bjb’s financial conglomerate, including the
bank bjb, diantaranya sebagai berikut: following:
1. Melakukan pemantauan dan evaluasi 1. Monitoring and evaluation of the
terhadap pelaksanaan tugas dan fungsi implementation of the duties and functions
Direktur yang membawahkan fungsi of the director which led to the supervisory
Pengawasan terhadap Lembaga Jasa function of the financial services institution in
Keuangan dalam Konglomerasi Keuangan. the financial conglomerate.
2. Melakukan pemantauan dan evaluasi 2. Monitoring and evaluation of the performance
terhadap pelaksanaan tugas dan fungsi dari of tasks and functions of integrated Internal
Satuan Kerja Audit Internal Terintegrasi, Audit work unit, Integrated risk Management
Satuan Kerja Manajemen Risiko Terintegrasi Unit and integrated compliance Unit.
dan Satuan Kepatuhan Terintegrasi.
3. Melakukan pemantauan terhadap Kinerja 3. Monitoring the performance and risk profile of
dan Profil Risiko dari perusahaan anak dan the subsidiaries and related companies in the
perusahaan terelasi dalam konglomerasi financial conglomerate.
keuangan.
4. Melakukan evaluasi atas Pembinaan Entitas 4. Evaluating the development of the primary
Utama terhadap Tata Kelola Perusahaan entity on the company’s corporate governance
anak dan perusahaan terelasi dalam and related companies in the financial
konglomerasi keuangan bank bjb. conglomerate of bank bjb’s.
Organ dan Komite di Bawah Direksi Organs and Committees Under The Board
of Directors
Dalam menjalankan tugasnya, Direksi dibantu In carrying out its duties, the Board of Directors is
oleh Unit-unit di bawah Direksi dan Komite- assisted by the Unit of Directors and Committee on
komite yang bertugas untuk memberikan saran duty to give and recommendations relating to the
dan rekomendasi yang berhubungan dengan policies of the Directors and directions. The Board
kebijakan-kebijakan dan arahan-arahan Direksi. of Directors is assisted by 5 (five) committees,
Direksi dibantu oleh 5 (lima) komite, yaitu Komite namely Risk Management Committee (KMR), Credit
Manajemen Risiko (KMR), Komite Kebijakan Policy Committee (CPC), IT Steering Committee
Perkreditan, IT Steering Committee (ITSC), (ITSC), Integrated Risk Management Committee
Komite Manajemen Risiko Terintegrasi (KMRT) (KMRT) and Assets and Liability Committee (ALCO).
dan Assets and Liability Committee (ALCO).
Perseroan telah memiliki Divisi Sekretaris The company has a division of Corporate Secretary,
Perusahaan, sebagaimana disyaratkan as required in the regulation of Bapepam-LK IX. I. 4
dalam Peraturan Bapepam-LK IX.I.4 perihal regarding the establishment of Corporate Secretary
pembentukan Sekretaris Perusahaan dan and POJK No.35/POJK.04/2014 concerning the
POJK No. 35/POJK.04/2014 tentang Sekretaris corporate Secretary of the issuer or public company.
Perusahaan Emiten atau Perusahaan Publik. Based on the decree of the Board of Directors of
Berdasarkan Surat Keputusan Direksi bank bjb bank bjb No.1135/SK/DIR-HC/2018 It was decided
No.1135/SK/DIR-HC/2018 diputuskan bahwa that Muhammad Asadi Budiman as leader of
Muhammad Asadi Budiman sebagai Pemimpin Corporate Secretary Division of the company.
Divisi Corporate Secretary Perseroan.
Direktur Utama
President Director
Fungsi ,Tugas dan Tanggung Jawab Sekretaris Functions, Duties and Responsibilities of Corporate
Perusahaan Secretary
Sekretaris Perusahaan bertugas dan The corporate secretary is in charge and responsible
bertanggung jawab untuk: for:
1. Memformulasikan dan melaksanakan 1. Formulate and implement public relations/
strategi humas (public relations/investor Investor Relations strategies/promotional
relations)/komunikasi promosi yang communications aimed at enhancing the
bertujuan meningkatkan citra dan reputasi Bank’s image and reputation.
Bank.
2. Merancang, mengembangkan dan 2. To plan, develop and implement social/CSR
melaksanakan strategi dan program strategies and programmes precisely so as to
kepedulian sosial/CSR dengan tepat develop the potential that exists in building a
sehingga dapat mengembangkan potensi reputation in the eyes of external parties and
yang ada dalam membangun reputasi di build the commitment and motivation of its
mata pihak eksternal dan membangun employees internally.
komitmen serta motivasi para karyawannya
secara internal.
3. Menyusun dan mengkoordinasikan konsep 3. Formulating and coordinating the concept of
komunikasi promosi produk dan jasa promotional communications products and
layanan ke pihak eksternal dengan tujuan services to external parties with the aim of
mendukung pertumbuhan bisnis. supporting business growth.
4. Menyusun, merumuskan dan 4. To compile, formulate and develop policy of
mengembangkan kebijakan bidang secretarial field.
kesekretariatan.
5. Mengelola kegiatan kesekretariatan untuk 5. Manage secretarial activities for the Board of
Direksi dan Dewan Komisaris. Directors and Board of Commissioners.
1. Mengelola undangan rapat dan keluar 6. Manage the meeting invitations and exit the
masuknya informasi dari dan kepada Direksi information from and to the board of directors
dan Dewan Komisaris. and BOC.
2. Mengkoordinasikan kegiatan rapat Direksi 7. Coordinate the meeting activities of the Board
dan menjalankan fungsi sebagai notulis of Directors and perform functions as a clerk in
dalam rapat Direksi. the Board of Directors meeting.
3. Mengelola penyusunan dan revisi atau 8. Manage the preparation and revision or
pengembangan pedoman tugas Direksi dan development of Board of Directors duties and
Dewan Komisaris. Board of Commissioners.
4. Mengelola kegiatan protokoler untuk Direksi 9. Managing the Protocol activities for the BOD
dan Dewan Komisaris. and BOC.
5. Mengelola Laporan Khusus Direksi dan/ 10. Manage the special report of the Board of
atau Dewan Komisaris kepada lembaga Directors and/or Board of Commissioners to
eksternal. external institutions.
6. Mengelola administrasi Saham Bank. 11. Manage Bank Stock administration.
7. Mengikuti perkembangan Pasar Modal 12. Follow the development of capital market,
khususnya peraturan perundang-undangan especially the prevailing laws and regulations
yang berlaku di bidang Pasar Modal. in the field of capital market.
8. Membantu Direksi dan Komisaris dalam 13. Assisting directors and Commissioners in the
pelaksanaan tata kelola perusahaan yang implementation of corporate governance
meliputi: which includes:
a. Keterbukaan informasi kepada a. Disclosure of information to the public,
masyarakat, termasuk ketersediaan including the availability of information on
informasi pada situs Web Bank; the Bank’s Web site;
b. Penyampaian laporan kepada Otoritas b. Submission of reports to a Physical authority
JasaKeuangan tepat waktu; on time;
c. Penyelenggaraan dan dokumentasi c. Maintenance and documentation of the
Rapat Umum Pemegang Saham; general meeting of Shareholders;
d. Penyelenggaraan dan dokumentasi d. Maintenance and documentation of the
Rapat Direksi dan/atau Rapat Dewan Board of Directors meeting and/or Board of
Komisaris; dan Commissioners meeting; and
e. Pelaksanaan program orientasi terhadap e. Implementation of orientation program of
perusahaan bagi Direksi dan/atau Dewan the company for Board of Directors and/or
Komisaris. Board of Commissioners.
9. Sebagai penghubung antara Bank dengan 14. As a liaison between the Bank and its
pemegang Saham, Otoritas Jasa Keuangan, shareholders, the Financial Services Authority,
dan pemangku kepentingan lainnya. and other stakeholders.
10. Melakukan koordinasi dengan Divisi 15. Coordinate with the division of Financial control
Pengendalian Keuangan dalam hal in the administration of dividend distribution
penatausahaan pembagian dividen dan and the creation of capital reports periodically
pembuatan laporan modal secara periodik and report on any changes of capital to the
serta laporan atas setiap perubahan modal Regulator.
kepada Regulator.
11. Mengawasi semua komunikasi eksternal 16. Supervise all external communications so that
agar semua pesan keluar sudah dibuat all outgoing messages are clearly made and
dengan jelas dan konsisten dengan strategi consistent with the company’s communication
komunikasi Perusahaan. strategy.
12. Menyusun siaran pers yang efektif, 17. Develop effective press releases, prepare
mempersiapkan informasi bagi jurnalis information for journalists in the form of
dalam bentuk media kits, dan memanfaatkan media kits, and utilize the company’s website
website perusahaan secara maksimal. to the fullest.
1. Secara proaktif dan kreatif 18. Proactively and creatively identify opportunities
mengidentifikasikan peluang serta bahan and story materials that can lift imagery and
cerita yang dapat mengangkat citra dan reputation in the public eye.
reputasi di mata publik.
2. Menerbitkan tulisan-tulisan editorial terpilih 19. Publishes selected editorial papers (press
(siaran pers, wawancara dan laporan) lewat releases, interviews and reports) through
media yang cocok, dan meng-update kanal- matching media, and updates internal
kanal komunikasi internal. communication channels.
3. Mempersiapkan draft pidato dan isi 20. Preparing speech drafts and interview content
wawancara bagi para anggota Dewan dan for the board members and executive officers
pejabat eksekutif Bank, serta mengatur of the Bank, as well as organizing interviews
wawancara dan kontak lain dengan pihak and other contacts with the media.
media.
4. Mengevaluasi program periklanan dan 21. Evaluating the Bank’s advertising and
promosi Bank serta kesesuaiannya dengan promotion programs and their appropriateness
program humas lainnya. with other PR programs.
5. Mengarahkan aktivitas dari agensi eksternal/ 22. Directing activities from external agencies/
konsultan yang mengembangkan dan consultants who develop and implement
melaksanakan strategi komunikasi serta communication strategies and information
program informasi. programs.
6. Merancang dan mengembangkan 23. Plan and develop social/CSR programs and
program kepedulian sosial/CSR dan implement them as projects that have scope,
melaksanakannya sebagai proyek-proyek milestones, deadlines, budget limits and clear
yang memiliki cakupan, pencapaian deliverables.
(milestone), batas waktu, batas anggaran dan
hasil-hasil (deliverables) yang jelas.
7. Menunjuk, mengarahkan, memantau dan 24. Designates, directs, monitors and reexamines
mengkaji ulang kinerja dari para Manager the performance of the project managers.
proyek.
8. Mengevaluasi program-program CSR dalam 25. Evaluate CSR programmes in terms of imagery
hal citra serta reputasi yang terbangun. and reputation being awakened.
9. Mengevaluasi hasil survei kepuasan nasabah 26. Evaluate the results of customer satisfaction
dan komunikasi pemasaran. Jika diperlukan, surveys and marketing communications. If
dapat merekomendasikan pengemasan necessary, it can recommend repackaging of
ulang (repackaging) dari produk-produk the existing products.
yang sudah ada.
Selama tahun 2019, Sekretaris Perusahaan telah During 2019, the corporate Secretary has carried
melaksanakan tugas dan tanggungjawabnya out its duties and responsibilities:
yakni:
1. Mempersiapkan rapat Dewan Komisaris 1. Prepare the Board of Commissioners and
dan Direksi, mencatat hasil rapat dan directors meeting, record the results of the
mendistribusikannya kepada pihak-pihak meeting and distribute it to the interested
yang berkepentingan. parties.
2. Mengirimkan pemberitahuan dan 2. Send notification and prepare everything
mempersiapkan segala sesuatu terkait related to the general meeting of shareholders
dengan penyelenggaraan Rapat Umum and publish the results of the meeting decision.
Pemegang Saham dan mempublikasikan
hasil keputusan rapat.
3. Menjaga hubungan baik dengan Otoritas 3. Maintain good relations with the capital Market
Pasar Modal dan mempersiapkan Authority and prepare reports on disclosure
laporan-laporan mengenai pengungkapan of the company’s information disclosure in
keterbukaan informasi Perseroan sesuai accordance with the terms and conditions.
dengan ketentuan yang berlaku.
4. Melakukan koordinasi dan administrasi 4. Coordinate and administration of records of
pencatatan kepemilikan Saham dan shares ownership and corporate actions.
tindakan korporasi.
5. Mengkoordinasikan kegiatan public relations 5. Coordinate public relations and marketing
dan marketing communications untuk communications activities for the company.
Perseroan.
1. Mengelola dan melakukan kegiatan promosi 6. Manage and conduct promotion activities of
produk dan jasa Bank, termasuk pembuatan the Bank’s products and services, including the
Buku Laporan Tahunan. creation of the annual report book.
2. Mengelola hubungan kelembagaan 7. Managing institutional relationships
(counterparty). (counterparty).
3. Mengkoordinasikan dan memantau tindak 8. Coordinate and monitor follow-up of customer
lanjut atas pengaduan nasabah. complaints.
4. Melaksanakan pembinaan cabang dalam 9. Conducting branch development in the field of
bidang kehumasan, pengaduan nasabah, PR, customer complaints, and secretarial.
dan kesekretariatan.
5. Melaksanakan program CSR (Corporate 10. Implementing CSR Program (Corporate Social
Social Responsibility) sebagai wujud Responsibility) as a manifestation of the
kepedulian dan kontribusi Perseroan company’s awareness and contribution to the
terhadap peningkatkan kualitas hidup increase of the quality of life of the community.
masyarakat sekitar.
6. Melaksanakan prinsip kehati-hatian dan 11. To implement the prudence and compliance
kepatutan terhadap peraturan Bank principles of Bank Indonesia Regulations,
Indonesia, peraturan perundang-undangan, statutory regulations, and other internal Bank
serta peraturan internal Bank lainnya yang regulations.
berlaku.
7. Melaksanakan program edukasi perbankan 12. Implementing Banking education programs
untuk masyarakat umum. for the general public.
Struktur Organisasi Satuan Kerja Audit Internal Audit Work Unit Organizational Structure
Internal
Struktur Organisasi SKAI telah sesuai dengan SK The organization structure of the SKAI is in
Direksi Nomor 0859/SK/DIR-PS/2019 tanggal 22 accordance with Decree of Board of Directors No.
Juli 2019 sebagai berikut: 0859/SK/DIR-PS/2019 dated July 22nd, 2019 as
follows:
Direktur Utama
President Director
Pemimpin SKAI
Head of SKAI Division
Kontrol Internal
Cabang
Branch Internal
Control
Kedudukan Satuan Kerja Audit Internal Internal Audit Work Unit Position In
Dalam Struktur Organisasi Organizational Structure
Sesuai dengan isi Piagam Audit Internal yang In accordance with the contents of the Charter
terdapat dalam Kebijakan Audit Internal Nomor Internal Audit contained in the Internal Audit policy
0621/SK/DIR-AI/2019 tanggal 31 Mei 2019, number 0621/SK/DIR-AI/2019 dated May 31st,
Kedudukan SKAI adalah sebagai berikut: 2019, the position of the SKAI is as follows:
1. Pemimpin SKAI diangkat dan diberhentikan 1. The leader of SKAI was appointed and dismissed
oleh Direktur Utama atas persetujuan Dewan by the President Director on the Board of
Komisaris dengan mempertimbangkan Commissioner’s approval by considering
rekomendasi Komite Audit. Pengangkatan the Audit Committee recommendation. The
dan pemberhentian tersebut dilaporkan appointment and termination are reported to
kepada Regulator. the Regulator.
2. Pemimpin SKAI berada di bawah Direktur 2. The leader of SKAI is under the President
Utama dan bertanggung jawab langsung Director and is directly responsible to the
kepada Direktur Utama serta memiliki President Director and has a coordination
hubungan koordinasi dengan Dewan relationship with the Board of Commissioners.
Komisaris.
3. Seluruh auditor internal dan petugas 3. All internal auditors and internal control
kontrol internal bertanggung jawab kepada officers are responsible to the leaders of the
Pemimpin SKAI sesuai dengan hierarki SKAI in accordance with the organizational
organisasi. hierarchy.
1. Fungsi kontrol internal berperan sebagai 4. The function of internal control serves as
mitra strategis dan menyampaikan hasil strategic partner and convey the results of
kegiatannya kepada masing-masing activities to each branch office leader and
Pemimpin Kantor Cabang dan Pemimpin regional office leader.
Kantor Wilayah.
2. SKAI menjalankan fungsi audit internal 5. SKAI performs integrated internal audit function
terintegrasi dalam konglomerasi keuangan in the Bank’s financial conglomeration.
Bank.
3. Dalam menjalankan fungsi audit internal 6. In conducting integrated internal audit function,
terintegrasi, SKAI memiliki hubungan SKAI has a coordination relationship with the
koordinasi dengan Direktur yang ditunjuk Director appointed to perform the supervisory
untuk melakukan fungsi pengawasan function of the Financial Services Board
terhadap Lembaga Jasa Keuangan yang incorporated in the financial conglomerate.
tergabung dalam konglomerasi keuangan.
Profil Kepala Satuan Kerja Audit Internal Profile Head of Internal Audit Work Unit
Pihak yang Mengangkat dan Party Who Lifts and Dismissed The Head of Internal
Memberhentikan Kepala Satuan Kerja Audit Audit Work Unit
Internal
Pemimpin SKAI diangkat dan diberhentikan The leader of SKAI was appointed and dismissed
oleh Direktur Utama atas persetujuan Dewan by the President Director on the Board of
Komisaris dengan mempertimbangkan Commissioner’s recommendation by taking
rekomendasi Komite Audit. Pengangkatan dan into consideration the Audit committee. The
pemberhentian tersebut dilaporkan kepada appointment and termination are reported to the
Regulator. Regulator.
Dengan adanya perubahan regulasi mengenai With the change of regulation on internal audit of
audit internal yaitu POJK Nomor 1/POJK.03/2019 POJK No. 1/POJK.03/2019 dated January 28th, 2019
tanggal 28 Januari 2019 tentang Penerapan concerning the implementation of internal Audit
Fungsi Audit Intern pada Bank Umum maka SKAI function in commercial banks then SKAI make
melakukan penyesuaian terhadap Kebijakan adjustments to the policy and charter of Internal
dan Piagam Audit Internal yaitu: Audit:
1. Kebijakan Audit Internal yang telah 1. Internal Audit Policy which has been ratified
disahkan oleh Direksi dengan Nomor 0621/ by the Board of Directors under the number
SKlDIR-A1/2019 tanggal 29 Mei 2019; 0621/SKlDIR-A1/2019 dated May 29th, 2019;
2. Piagam Audit Internal yang telah disahkan 2. Internal Audit Charter which has been ratified by the
oleh Dewan Komisaris dan Direksi. Board of Commissioners and Board of Directors.
Kebijakan dan Piagam Audit Internal ini This policy and Internal Audit Charter is a reference
merupakan acuan dalam pelaksanaan kegiatan in the implementation of audit activities and
audit dan menyikapi perkembangan regulasi addressing the development of regulations and
serta perubahan yang dinamis. Piagam Audit dynamic changes. The Internal Audit charter
Internal berisi antara lain: includes:
Bab I Visi, Misi, dan Fungsi Chapter I Vision, Mission, and Functions
Bab II Struktur, Kedudukan dan Ruang Lingkup Chapter II Structure, Position and Scope
Bab III Tugas, Tanggung Jawab dan Wewenang Chapter III Duties, Responsibilities and Authorities
Bab IV Auditor Internal Chapter IV Internal Auditor
Bab V Objek Audit Chapter V Object Audit
Bab VI Pelaporan dan Pemantauan Chapter VI Reporting and Monitoring
Bab VII Quality Assurance Chapter VII Quality Assurance
Bab VIII Lain-lain Chapter VIII Other
Tugas dan Tanggung Jawab Satuan Kerja Duties and Responsibilities of Internal Audit Work
Audit Internal Unit
Satuan Kerja Audit Internal (SKAI) memiliki tugas The Internal Audit Unit (SKAI) has the duties and
dan tanggung jawab yaitu: responsibilities:
1. Menyusun dan melaksanakan rencana kerja 1. To compile and implement the annual internal
audit internal tahunan. audit work plan.
2. Melakukan evaluasi atas efektivitas semua 2. Evaluate the effectiveness of all levels of
tingkatan prganisasi dalam pengelolaan prganization in the management of the Bank’s
sumber daya Bank serta ketaatan kepada resources as well as adherence to the policies
kebijakan dan prosedur yang telah and procedures that have been established.
ditetapkan.
3. Memberi rekomendasi penyempurnaan 3. To recommend improvement of internal
pengendalian internal untuk melindungi controls to protect resources, promote
sumber daya, mendorong pertumbuhan, growth, and the implementation of corporate
serta penerapan tata kelola perusahaan governance and prudence principles.
yang baik dan prinsip kehati-hatian.
4. Menyusun dan memelihara kebijakan dan 4. To develop and maintain internal audit work
prosedur kerja audit internal sesuai standar policies and procedures as per the latest audit
audit terkini. standards.
5. Menetapkan rencana kerja pengembangan 5. To determine the work plan of competency
Kewenangan Satuan Kerja Audit Internal Internal Audit Work Unit Authority
Satuan Kerja Audit Internal memiliki wewenang The Internal Audit unit has the authority to:
antara lain:
1. Melakukan audit terhadap semua proses 1. Audit all business processes, activities, and
bisnis, kegiatan, dan unit kerja sesuai work units in accordance with the scope of
dengan ruang lingkup kerja SKAI. work SKAI.
2. Melakukan komunikasi secara langsung 2. Communicate directly with the Board of
dengan Direksi, Dewan Komisaris dan/atau Directors, Board of Commissioners and/or
Komite Audit. Audit committee.
3. Mengadakan rapat secara berkala dan 3. Convening periodic meetings and incidental to
insidentil dengan Direksi, Dewan Komisaris the Board of Directors, Board of Commissioners
dan/atau Komite Audit. and/or Audit committee.
4. Berkoordinasi dengan pihak internal antara 4. Coordinate with internal parties such as risk
lain Satuan Kerja Manajemen Risiko dan management and Compliance Unit and other
Satuan Kerja Kepatuhan maupun ekternal legal experts, among others, jurists or external
antara lain ahli hukum atau auditor eksternal auditors to avoid duplication of audit activities
untuk menghindari duplikasi kegiatan audit and in the framework of evaluation Effective
dan dalam rangka terlaksananya evaluasi internal control. Coordination procedure
pengendalian internal secara efektif. follows the code of Ethics of internal auditors
Prosedur koordinasi mengikuti kode etik on confidentiality.
auditor internal tentang kerahasiaan.
5. Apabila dalam pelaksanaan audit 5. If in the implementation of the audit requires
membutuhkan kompetensi khusus yang special competence that is not yet owned, it
1. belum dimiliki, maka dapat dipertimbangkan can be considered using outside experts while
menggunakan tenaga ahli dari luar dengan adhering to the implementation standards of
tetap mematuhi standar pelaksanaan fungsi the audit function.
audit yang berlaku.
2. Investigasi terhadap indikasi tindak 6. Investigation of the indication of fraud or
kecurangan (fraud) atau inefisiensi yang inefficiencies that may result in financial and/
dapat menimbulkan dampak finansial dan/ or non-financial impacts to the Bank.
atau non-finansial bagi Bank.
3. Melakukan penilaian terhadap kecukupan 7. Assessment of the adequacy of follow-up
hasil tindak lanjut atas temuan audit yang results for the audit findings carried out by the
dilaksanakan oleh auditee. auditee.
4. Dalam penugasan audit, SKAI berhak 8. In the audit assignment, the SKAI reserves the
melakukan akses penuh, tanpa pembatasan right to perform full access, without limitation
terhadap seluruh fungsi, catatan, kekayaan all functions, records, wealth and employees of
dan pegawai Bank yang berkaitan dengan the Bank relating to the conduct of inspections
pelaksanaan pemeriksaan dengan cara: by :
a. Memasuki, melihat, meninjau, mengamati a. Entering, viewing, reviewing, observing all
semua gedung kantor, bangunan, tempat office buildings, buildings, storage areas,
penyimpanan, serta objek audit yang and audit objects that have the relation/
memiliki keterkaitan/kepentingan Bank. interests of the Bank.
b. Meminta, melihat dan mempergunakan b. Request, view and use of all data/
semua data/informasi, register, buku, information, registers, books, letters,
surat, notulen, hasil survei, laporan notulent, survey results, reports and other
dan dokumen lain yang diperlukan documents required in connection with the
sehubungan dengan tugas audit. audit assignment.
c. Melakukan pengamatan dan pengujian c. Observe and physical testing of cash,
fisik uang kas, surat berharga, dokumen, marketable securities, documents, supplies,
persediaan dan lain sebagainya. etc..
d. Melakukan akses terhadap semua d. Access to all records and information about
catatan dan keterangan mengenai the employees, resources, funds, credits
karyawan, sumber daya, dana, kredit and other assets of the Bank relating to the
serta asset Bank lainnya yang berkaitan audit.
dengan audit.
e. Melakukan akses (fisik dan logik) terhadap e. Access (physical and logical) to the system
sistem teknologi informasi Bank berupa of information technology in the form of
data, jaringan (network), komunikasi, data, network (network), communication,
software dan hardware. software and hardware.
f. Meminta keterangan kepada semua f. Request for information to all officers and
pejabat dan setiap orang, perorangan persons, individuals or in their position
atau dalam kedudukannya sebagai as employees of an organization that
pegawai suatu organisasi yang memilik has interconnectedness with operational
keterkaitan dengan kegiatan operasional. activities.
No Jabatan Jumlah
Position Total
Pegawai Kantor Pusat
Head Office Officers
1 Pemimpin SKAI SKAI Leaders 1
2 Pemimpin Grup Audit Audit Group Leader 9
3 Manajer/Asisten Manajer Audit Manager/Assistant Audit Manager 6
4 Auditor Auditor 31
Pegawai Kantor Wilayah & Kantor Cabang
Regional Office Officer & Branch Office
1 Pemimpin Grup Kontrol Internal Regional Internal control group 5
Wilayah leader
2 Manajer KIW dan KIC KIW and KIC Managers 64
3 Kontrol Internal Internal controls 60
Daftar Pegawai Kantor Pusat SKAI Tahun 2019 List of SKAI head office employees year 2019
Jabatan Grup
No Nama
Position Group
1 Joko Hartono Kalisman Pemimpin SKAI SKAI leaders Pemimpin SKAI SKAI leaders
2 Budiman Effendi Pemimpin Grup Group leader Audit SD & QA SD & QA Audit
3 Umar Peruk Pemimpin Grup Group leader Anti Fraud Anti Fraud
4 Saldi Prasono Sal Pemimpin Grup Group leader Audit TI TI Audit
5 Firman Ahmad Hidayat Pemimpin Grup Group leader Audit Umum General Audit
6 Dudy Priyadi Pemimpin Grup Group leader Audit Umum General Audit
7 Hamdan Astadipura Pemimpin Grup Group leader Audit Umum General Audit
8 Ipan Gumilar Pemimpin Grup Group leader Audit Umum General Audit
9 Aldy Edwin Dalimartha Pemimpin Grup Group leader Audit Umum General Audit
10 Indra Permana Pemimpin Grup Group leader Audit Internal Terintegrasi Integrated Internal Audit
11 Novianti Asri Dewi Manager Manager Audit SD & QA SD & QA Audit
12 Dhea Ekadita Pratiwi Manager Manager Audit SD & QA SD & QA Audit
13 Hadi Purwanto Manager Manager Audit SD & QA SD & QA Audit
14 Bay Aprian Manager Manager Audit TI TI Audit
15 Rizky Rihmansyah Manager Manager Audit Umum General Audit
16 Rangga Syailendra Manager Manager Audit Umum General Audit
17 Ikhsan ZR Auditor Auditor Anti Fraud Anti Fraud
18 Raden danang Seno Adhi Auditor Auditor Anti Fraud Anti Fraud
19 Putri Desiani Muchtar Auditor Auditor Anti Fraud Anti Fraud
20 Arif Satya Nugraha Auditor Auditor Anti Fraud Anti Fraud
21 Denny Novendrik Auditor Auditor Anti Fraud Anti Fraud
22 Sigit Yulianto Auditor Auditor Audit TI TI Audit
23 Aditya Awang Putra Auditor Auditor Audit TI TI Audit
24 Taajul Arifin Auditor Auditor Audit TI TI Audit
25 Santy Auditor Auditor Audit TI TI Audit
26 Deni Fitriaman Auditor Auditor Audit TI TI Audit
27 Sany Ginanjar Firmansyah Auditor Auditor Audit Umum General Audit
Jabatan Grup
No Nama
Position Group
28 Adi Dwi Cahyo Auditor Auditor Audit Umum General Audit
29 Gilang Prayudha Auditor Auditor Audit Umum General Audit
30 Firman Aprianto Auditor Auditor Audit Umum General Audit
31 Dody Apriadi Auditor Auditor Audit Umum General Audit
32 Moch. Nurdin Ismail Auditor Auditor Audit Umum General Audit
33 Akhmad Muhari G Auditor Auditor Audit Umum General Audit
34 M Dikdik Milyardi Auditor Auditor Audit Umum General Audit
35 Ferry Herdiyanto Auditor Auditor Audit Umum General Audit
36 Ronald Colin S Auditor Auditor Audit Umum General Audit
37 Asep Surya S Auditor Auditor Audit Umum General Audit
38 Lintang Arief M P Auditor Auditor Audit Umum General Audit
39 Rendy Rizky Surbakti Auditor Auditor Audit Umum General Audit
40 Wildanul MA Auditor Auditor Audit Umum General Audit
41 Ribka Sianipar Auditor Auditor Audit Umum General Audit
42 Irman Hadigustaman Auditor Auditor Audit Umum General Audit
43 Noval Maulana S Auditor Auditor Audit Umum General Audit
44 Bunga Meila S Auditor Auditor Audit Umum General Audit
45 Milia Geby Maulina Auditor Auditor Audit Umum General Audit
46 Deska Ayulian Auditor Auditor Audit Umum General Audit
47 Rina Marina Auditor Auditor Audit Umum General Audit
Daftar Pegawai Kantor Wilayah dan Cabang SKAI List of Regional Office Staff and SKAI Branch Offices
Tahun 2019 2019
Jabatan Grup
No Nama
Position Group
1 Ipon Nursoleha Pemimpin Grup Group leader Kantor Wilayah I Kantor Wilayah I
2 Asep Dikdik Sudiantara Pemimpin Grup Group leader Kantor Wilayah II Kantor Wilayah II
3 Evy Sofiani Pemimpin Grup Group leader Kantor Wilayah III Kantor Wilayah III
4 Djoko Mardijanto Pemimpin Grup Group leader Kantor Wilayah IV Kantor Wilayah IV
5 TB Fithri Akhmad G Pemimpin Grup Group leader Kantor Wilayah V Kantor Wilayah V
6 R. Edy Hadi Saputro Manager KIW KIW Manager Kantor Wilayah 1 Kantor Wilayah 1
7 Hany Tresnawaty Manager KIC KIC Manager Buah Batu Buah Batu
8 Dadan Mulyana Manager KIC KIC Manager Cab. Utama Bandung Cab. Utama Bandung
9 Donny Rachmawan s Manager KIC KIC Manager Cianjur Cianjur
10 Bambang Sulistiyo Adi Manager KIC KIC Manager Cimahi Cimahi
11 Rr. Retno Soeksmantari Manager KIC KIC Manager Jatinangor Jatinangor
12 Wili Cahyadi Manager KIC KIC Manager Karawang Karawang
13 Desiana Nurpratiwi Manager KIC KIC Manager Majalaya Majalaya
14 Wasito Utomo Manager KIC KIC Manager Padalarang Padalarang
15 Ade Hendrawan Manager KIC KIC Manager Palabuhan Ratu Palabuhan Ratu
16 Henny Susanty Manager KIC KIC Manager Purwakarta Purwakarta
17 Arie Rachman Manager KIC KIC Manager Soreang Soreang
18 Giri Hartawan Manager KIC KIC Manager Subang Subang
19 Adjie Arrachman Manager KIC KIC Manager Suci Suci
20 Nita Merlina Manager KIC KIC Manager Sukabumi Sukabumi
Jabatan Grup
No Nama
Position Group
21 Laila Maherrasari Manager KIC KIC Manager Sukajadi Sukajadi
22 Vivi Veny Viena Manager KIC KIC Manager Sumber sari Sumber sari
23 Nina Rohdiana Manager KIC KIC Manager Taman sari Taman sari
24 Reza Teddy Yudhika Manager KIC KIC Manager S Parman S Parman
25 Abdul Rahman Hakim Manager KIC KIC Manager Medan Medan
26 Ades Ismansyah Manager KIC KIC Manager Gajah Mada Gajah Mada
27 Agustina Manager KIC KIC Manager Pekan Baru Pekan Baru
28 R. Rico Rachmadi G P Manager KIC KIC Manager Cikarang Cikarang
29 Arief Nugraha Manager KIC KIC Manager Palembang Palembang
30 Darwis Hidayat Manager KIC KIC Manager Batam Batam
31 Dewi Pertiwi Manager KIC KIC Manager Saharjo Saharjo
32 Dirga Sadjati Manager KIC KIC Manager Hasyim Ashari Hasyim Ashari
33 Guntur Rovianto Setyadhi Manager KIC KIC Manager Kebayoran Baru Kebayoran Baru
34 Arief Firmansyah Manager KIC KIC Manager Bekasi Bekasi
35 Jamilah Salahudin Manager KIC KIC Manager Cibinong Cibinong
36 Muhamad Arfani Manager KIC KIC Manager Rasuna Said Rasuna Said
37 Oke Ferdiana Sutisna Manager KIC KIC Manager Rawamangun Rawamangun
38 Thermalia Rindani Manager KIC KIC Manager Bogor Bogor
39 Wiwien Iswanti Manager KIC KIC Manager Depok Depok
40 Pendi Arifin Manager KIC KIC Manager Banjar Banjar
41 Euis Risma Rosmiati Manager KIC KIC Manager Tasikmalaya Tasikmalaya
42 Engkris trisyami Manager KIC KIC Manager Cirebon Cirebon
43 Urip Permana Manager KIC KIC Manager Majalengka Majalengka
44 Rosdiana Manager KIC KIC Manager Indramayu Indramayu
45 Sri Ermawati Manager KIC KIC Manager Kuningan Kuningan
46 Bella Natalia Manager KIC KIC Manager Garut Garut
47 Jatnika Robiansyah Manager KIC KIC Manager Pangandaran Pangandaran
48 andi Budiman Manager KIC KIC Manager Patrol Patrol
49 Cepi Sofyar Manager KIC KIC Manager Singaparna Singaparna
50 Wildan H Budiman Manager KIC KIC Manager Sumedang Sumedang
51 Ernawati Aviantini Manager KIC KIC Manager Ciamis Ciamis
52 Yongki Abdurachman Manager KIC KIC Manager Balaraja Balaraja
53 Annisa Rizkia Shafredi Manager KIC KIC Manager Lampung Lampung
54 Krisna Wahyu P G Manager KIC KIC Manager Tangsel Tangsel
55 Angwar Saputra Manager KIC KIC Manager Cikarang Cikarang
56 Anna Afriana Manager KIC KIC Manager Daan Mogot Daan Mogot
57 Sri Nuryaty Manager KIC KIC Manager KCK KCK
58 Indra Komara Manager KIC KIC Manager Labuan Labuan
59 Adang Suhendar Manager KIC KIC Manager Rangkasbitung Rangkasbitung
60 Yeissa Yogapratama Manager KIC KIC Manager Tangerang Tangerang
61 Syamsurizal Manager KIC KIC Manager Pandeglang Pandeglang
62 Benny Nugraha Manager KIC KIC Manager Tegal Tegal
63 Diki Irawan Manager KIC KIC Manager Balikpapan Balikpapan
64 Fajar Ardiansyah Manager KIC KIC Manager Surabaya Surabaya
65 Dwi Sunu Manager KIC KIC Manager Banjarmasin Banjarmasin
66 Nur Syamsiar A.H.B Manager KIC KIC Manager Makassar Makassar
Jabatan Grup
No Nama
Position Group
67 Ivan Vanani Manager KIC KIC Manager Denpasar Denpasar
68 Maschun Arvianto Manager KIC KIC Manager Surakarta Surakarta
69 Adi Krismanto Manager KIC KIC Manager Semarang Semarang
70 Mega Pertiwi Staf KIW KIW Staff Kantor wilayah 1 Kantor wilayah 1
71 Dian Novitasari Staf KIC KIC Staff Buah batu Buah batu
72 Hilman Rahmawan Staf KIC KIC Staff Cab. Utama bandung Cab. Utama bandung
73 Muhammad Bhakti W Staf KIC KIC Staff Cab. Utama bandung Cab. Utama bandung
74 Adhy Purnama Asikin Staf KIC KIC Staff Cianjur Cianjur
75 Ramdhani Saptia Staf KIC KIC Staff Jatinangor Jatinangor
76 Renny Anggraeni Staf KIC KIC Staff Karawang Karawang
77 Hadyan Fahmi Staf KIC KIC Staff Majalaya Majalaya
78 Ilham Nugraha Pratama Staf KIC KIC Staff Padalarang Padalarang
79 Risman Maulana Staf KIC KIC Staff Palabuhan ratu Palabuhan ratu
80 Bertha Julisti Staf KIC KIC Staff Palabuhan ratu Palabuhan ratu
81 Kushardiman Staf KIC KIC Staff Soreang Soreang
82 Putri Nur Khoerulaeni Staf KIC KIC Staff Subang Subang
83 Yusup Maulana Staf KIC KIC Staff Suci Suci
84 Aldi Eka Muharam Staf KIC KIC Staff Sukabumi Sukabumi
85 Lena Agustina Staf KIC KIC Staff Sukajadi Sukajadi
86 Tria Aristy Faurika Staf KIC KIC Staff Taman sari Taman sari
87 Dessy Angraeni Staf KIC KIC Staff Cianjur Cianjur
88 Marisa Kristina Staf KIW KIW Staff Kanwil 2 Kanwil 2
89 andreas Putra Wijaya Staf KIC KIC Staff Medan Medan
90 Bayu Mayura Pridatama Staf KIC KIC Staff Bekasi Bekasi
91 Denis Gilang Prasthy Staf KIC KIC Staff Rawamangun Rawamangun
92 Dini Ahmadayanti Staf KIC KIC Staff Pekan Baru Pekan Baru
93 Farah Syifa Hermunantho Staf KIC KIC Staff Gajah Mada Gajah Mada
94 Husnul Hamdi Staf KIC KIC Staff Khusus Jakarta Khusus Jakarta
95 Mei Yudi Franko Bradisi Staf KIC KIC Staff Cibinong Cibinong
96 Pirman Jayadi Staf KIC KIC Staff Depok Depok
97 Rida Ratna Gandina Staf KIC KIC Staff Cikarang Cikarang
98 Risti Amelia Staf KIC KIC Staff Bogor Bogor
99 Tri Arry Erwanto Staf KIC KIC Staff Batam Batam
100 Ventha Try Rizka Staf KIC KIC Staff Palembang Palembang
101 Mike Rachmawati Staf KIW KIW Staff KIW 3 KIW 3
102 Istu Sari Wibawati Staf KIW KIW Staff KIW 3 KIW 3
103 Devi Nugraha Staf KIC KIC Staff Banjar Banjar
104 Fira Firmanila Staf KIC KIC Staff Kuningan Kuningan
105 Fine Septiana Staf KIC KIC Staff Garut Garut
106 Sari Puspita Staf KIC KIC Staff Cirebon Cirebon
107 Caryono Sugianto Staf KIC KIC Staff Majalengka Majalengka
108 Reza Galih Pratama Staf KIC KIC Staff Pangandaran Pangandaran
109 Suryadin Staf KIC KIC Staff Patrol Patrol
110 Reyhan Caesaria P Staf KIC KIC Staff Singaparna Singaparna
111 Ade rizky maulana Staf KIC KIC Staff Sumedang Sumedang
112 Ami Rahmina Staf KIC KIC Staff Tasikmalaya Tasikmalaya
Jabatan Grup
No Nama
Position Group
113 Ilham Fauzi Malldini Staf KIC KIC Staff Garut Garut
114 M. Abbas Sigit Kasmeno Staf KIC KIC Staff Sumber Sumber
115 Nanda Ayu Winalda Staf KIW KIW Staff Kanwil IV Kanwil IV
116 Raymond Hermans Staf KIC KIC Staff Lampung Lampung
117 Dewi Setio Asih Staf KIC KIC Staff Tangsel Tangsel
118 Surjana Staf KIC KIC Staff Cilegon Cilegon
119 Galih Cakradiningrat Staf KIC KIC Staff Daan Mogot Daan Mogot
120 Ghufran Khairun Staf KIC KIC Staff KCK KCK
121 Syaeful Bachri Staf KIC KIC Staff Pandeglang Pandeglang
122 Aldi Oktavialdi Nugraha Staf KIC KIC Staff Rangkasbitung Rangkasbitung
123 Violetta Havieza A Staf KIC KIC Staff Tangerang Tangerang
124 Twinta Ithakul Kuwala Staf KIC KIC Staff Surabaya Surabaya
125 Retno Dwi Astuti Staf KIC KIC Staff Semarang Semarang
126 Satrio Novianto Staf KIC KIC Staff Tegal Tegal
127 Candra Narya P Staf KIC KIC Staff Surakarta Surakarta
128 I Komang Ariyasa P Staf KIC KIC Staff Denpasar Denpasar
129 Dicky Vincent Reynaldi S Staf KIC KIC Staff Makassar Makassar
Program Peningkatan Kompetensi Satuan Internal Audit Work Unit Competency Improvement
Kerja Audit Internal Program
Program peningkatan kompetensi Satuan Kerja The Internal Audit Work Unit Competency
Audit Internal telah disajikan pada Bab Profil Improvement Program has been presented in the
Perusahaan dalam Laporan Tahunan ini. company Profile chapter of this annual report.
Jajaran SKAI harus menjunjung kode etik sebagai The SKAI lineup must uphold the code of ethics as
berikut: follows:
1. Integritas 1. Integrity
a. Melaksanakan setiap tugasnya dengan a. Perform each task honestly, carefully,
jujur, hati-hati, tekun dan tanggung jawab. diligently and responsibly.
b. Mematuhi hukum dan melakukan b. Comply with the law and conduct
pengungkapan sesuai ketentuan disclosures in accordance with the laws, law
perundangan, hukum dan profesinya. and profession.
c. Tidak menjadi bagian dari aktivitas illegal c. Not be part of any illegal activity or engage
apapun atau terlibat dalam aktivitas yang in activities that can discredit and harm the
dapat mendiskreditkan dan merugikan Bank’s credibility and profession.
kredibilitas Bank dan profesinya.
d. Menghormati dan mendukung tujuan d. Respecting and supporting the legitimate
Bank yang sah dan etis. and ethical objectives of the Bank.
2. Objektivitas 2. Objectivity
a. Tidak terlibat dalam aktivitas yang dapat a. Do not engage in activities that may pose a
menimbulkan konflik kepentingan conflict of interest to its audit duties.
terhadap tugas auditnya.
b. Tidak menerima pemberian apapun yang b. Not accepting any gift that affects or may
berdampak atau dapat mempengaruhi affect judgment in its audit duties.
penilaian dalam tugas auditnya. c. Compile the audit report based on actual
c. Menyusun laporan hasil audit facts.
berdasarkan fakta yang sebenarnya.
3. Kerahasiaan 3. Confidentiality
a. Selalu berhati-hati dalam menggunakan a. Always be cautious about using and
dan melindungi informasi yang didaptkan protecting the information it gets from its
dari tugas auditnya. audit tasks.
b. Tidak menggunakan informasi untuk b. Not use the information for personal
kepentingan pribadi atau hal yang interests or anything contrary to the Bank’s
bertentangan dengan ketentuan legal and business ethics provisions.
perundangan dan etika bisnis Bank.
4. Kompetensi 4. Competency
a. Melakukan penugasan audit hanya bila a. Perform audit assignments only when
telah memiliki pengetahuan keahlian already having knowledge of skills and
dan pengalaman yang diperlukan dalam experience required in the audit task.
tugas auditnya.
b. Melaksanbakan penugasan audit sesuai b. Implement audit assignments in accordance
dengan kebijakan dan pedoman audit with internal audit policies and guidelines,
internal, serta standar audit yang berlaku. as well as applicable audit standards.
c. Secara terus menerus mengingkatkan c. continuously increase its personal
kompetensi pribadinya untuk competence to improve the effectiveness
meningkatkan efektivitas dan kualitas and quality of its audit results.
hasil auditnya.
Rencana Kerja Satuan Kerja Audit Internal Internal Audit Work Plan Unit Of The Year 2019
Tahun 2019
Satuan Kerja Audit Internal menyusun The Internal Audit work unit devise planning as the
perencanaan sebagai dasar dalam melaksanakan basis for implementing all activities in the year.
seluruh aktivitas pada tahun berjalan. Rencana The planned examination of the branch office,
pemeriksaan terhadap Kantor Cabang, Divisi, Division, Information technology and business
Teknologi Informasi serta Proses Bisnis pada process in 2019 based on the results of macro risk
tahun 2019 berdasarkan hasil perhitungan calculation, judgement Auditor and direction of the
risiko makro, judgement auditor dan arahan Board of Commissioners, Board of Directors and
dari Dewan Komisaris, Direksi serta Pemeriksa external examiner as follows:
Eksternal sebagai berikut:
1. 5 (lima) Proses Bisnis/Divisi/Unit Kerja 1. 5 (five) Business Processes/Divisions/Work Units
2. 25 (dua puluh lima) Kantor Cabang 2. 25 (twenty five) Branch Offices
3. 7 (tujuh) objek audit teknologi informasi 3. 7 (seven) information technology audit objects
4. Monitoring pelaksanaan audit internal di 13 4. Monitoring the implementation of internal
(tiga belas) BPR anak dan terelasi serta 1 audit in 13 (thirteen) subsidiary and related
(satu) bank syariah BPRs and 1 (one) Islamic bank
5. Peningkatan kualitas audit internal di 2 (dua) 5. Improvement of internal audit quality in 2
BPR Anak (two) subsidiary BPR
6. Melaksanakan full scope audit terhadap 2 6. Implementing full scope of audit against 2
(dua) BPR Anak (two) subsidiary BPR
7. Melakukan pemeriksaan terhadap indikasi 7. Conducting examination of fraud indication
fraud yang dapat merugikan bank bjb, that can harm bank bjb, shareholder and
shareholder dan stakeholder. stakeholders.
1. Pada tahun 2019, SKAI membeli software data 1. In the year 2019, SKAI bought the data analysis
analysis yaitu ACL V.14 untuk memudahkan software namely ACL V. 14 to facilitate the
pelaksanaan analisa data dan meningkatkan implementation of data analysis and improve
keakuratan hasil pengolahan data. Selain the accuracy of data processing results. In
itu, SKAI melakukan pengembangan dan addition, SKAI performs periodic development
maintenance berkala dan pengembangan and maintenance and development of Internal
Sistem Informasi Audit Internal pada aplikasi Audit information systems in the following
berikut: applications:
a. Sistem Informasi Manajemen Audit a. Audit Management Information System
(SIMA) (SIMA)
b. Whistleblowing System (WBS) b. Whistleblowing System (WBS)
2. Pendampingan Pemeriksaan Eksternal 2. External inspection Assistance
SKAI memiliki tugas untuk melakukan SKAI has a duty to conduct examination
pendampingan pemeriksaan yang dilakukan assistance conducted by the external Auditor.
oleh Auditor Eksternal. Pendampingan Such mentoring is within the scope of the
tersebut dalam ruang lingkup penyediaan provision of inspection data required by the
data pemeriksaan yang dibutuhkan oleh External Auditor.
auditor eksternal.
Pelaksanaan Tugas Satuan Kerja Internal Implementation Of Internal Audit Work Unit Year
Audit Tahun 2019 2019
Pemeriksaan Auditing
Pemeriksaan terhadap Kantor Cabang/Divisi/ Inspection of the branch office/Division/Application
Sistem Aplikasi Teknologi Informasi berdasarkan System of information technology based on the
hasil perhitungan audit rating terhadap Public calculation of audit rating on the audits of the
Training and Certification of Working Units Internal universe and judgment management. The Internal
Audit dan judgment management. Satuan Kerja Audit unit annually compiles the work plan and
Audit Internal setiap tahun menyusun Rencana annual budget as a guide in conducting effective
Kerja dan Anggaran Tahunan sebagai panduan annual check-up activities.
dalam melaksanakan kegiatan pemeriksaan
tahunan secara efektif.
Adapun jumlah rencana dan realisasi The number of plans and realization of the
pemeriksaan oleh SKAI di Tahun 2019 sebagai examination by SKAI in the year 2019 as follows:
berikut:
Temuan dan Tindak Lanjut Hasil Audit Findings and Follow Up On Audit Results
Temuan Audit Internal periode tahun 2015 The findings of the Internal Audit period 2015 up to
sampai dengan tahun 2019 sebagai berikut: 2019 years as follows:
Tabel Hasil Temuan Audit Internal Tahun 2015 sampai dengan Tahun 2019
Table of Internal Audit findings year 2015 until year 2019
Dari hasil temuan yang tercatat, temuan audit From the findings recorded, the next audit
selanjutnya akan dilakukan Monitoring sesuai findings will be carried out in accordance with the
dengan kesepatakan komitmen yang telah commitment of the commitments that have been
ditetapkan tanggal pemenuhan komitmen determined the date of fulfillment of the audit
dari temuan audit tersebut. Kemudian setelah findings. Then after the commitment is fulfilled,
komitmen dipenuhi, temuan audit akan audit findings will be determined by its status with
ditetapkan statusnya dengan kriteria sebagai the following criteria:
berikut:
1. Memadai 1. Adequate
2. Memadai dengan catatan 2. Adequate with the record
3. Belum memadai 3. Not enough
Grup Manajemen
Grup Manajemen Grup Manajemen Grup Manajemen
Risiko Pasar
Risiko Kredit Risiko Operasional Risiko Terintegrasi
& Likuiditas
Credit Risk Management Group Management Group
Market & Liquidity
Management Group Operational Risk Integrated Risk
Risk Management Group
Divisi Manajemen Risiko terdiri dari 1 (satu) orang The risk management Division consists of 1 (one)
Pemimpin Divisi dan 4 (empat) orang Pemimpin Division leader and 4 (four) group leader persons.
Grup. Dalam menjalankan aktivitasnya, masing- In carrying out its activities, each group is assisted
masing grup dibantu oleh Manager, officer dan by Manager, Officer and appointed Staff.
Staff yang ditunjuk.
Tugas dan Tanggung Jawab Divisi Manajemen Duties and Responsibilities of The Risk Management
Risiko Division
Tugas dan tanggung jawab Divisi Manajemen The duties and responsibilities of the risk
Risiko adalah sebagai berikut: Management division are as follows:
1. Pemantauan pelaksanaan strategi 1. Monitoring the implementation of risk
Manajemen Risiko yang telah disetujui oleh management strategy approved by the Board
Direksi. of Directors.
2. Pemantauan posisi risiko secara keseluruhan 2. Monitoring overall risk position (composite),
(composite), per jenis risiko, dan per jenis per risk type, and per type of functional activity
aktivitas fungsional serta melakukan stress and stress testing.
testing..
3. Kaji ulang secara berkala terhadap proses 3. Periodic review of the risk management
Manajemen Risiko. process.
1. Pengkajian atas usulan aktivitas dan/atau 1. Assessment of new activity and/or product
produk baru. proposals.
2. Evaluasi terhadap akurasi model dan validitas 2. Evaluation of the model accuracy and validity
data yang digunakan untuk mengukur risiko of the data used to measure risk for the Bank
bagi Bank yang menggunakan model untuk using the model for internal purposes (internal
keperluan internal (internal model). model).
3. Memberikan rekomendasi kepada Satuan 3. Provide recommendations to operational
Kerja Operasional (Risk-taking unit) dan/atau units (risk-taking units) and/or to the Risk
kepada Komite Manajemen Risiko, sesuai Management Committee, in accordance with
kewenangan yang dimiliki. the authority owned.
4. Menyusun dan menyampaikan laporan 4. Compile and submit a risk profile report to
profil risiko kepada Direktur Utama atau the President Director or a specially assigned
Direktur yang ditugaskan secara khusus dan director and the Risk Management Committee
Komite Manajemen Risiko secara berkala. periodically.
Profil Kepala Divisi Manajemen Risiko Head of Risk Management Division Profile
Sertifikasi Appointment Record Sertifikasi Manajemen Risiko Lebvel 5 Risk Management Certification
Riwayat Penunjukan Nationality Menjabat sebagai Pemimpin Divisi He is the leader of the risk Management
Manajemen Risiko berdasarkan Surat Division based on the decree of the Board of
Keputusan Direksi No. 0871/SK/DIR- Directors No. 0871/SK/DIR-HC/2019.
HC/2019.
Selain mengikuti pelatihan karyawan Divisi In addition to attending employee training the
Manajemen Risiko juga mengikuti Sertifikasi risk Management division also follows the risk
Manajemen Risiko. Adapun karyawan yang management certification. The employees who
telah memperoleh sertifikasi manajemen risiko have obtained the risk management certification
adalah sebagai berikut. are as follows.
Pelaksanaan Tugas Divisi Manajemen Risiko Implementation of Risk Management Division Year
Tahun 2019 2019
Selama tahun 2019, Divisi Manajemen Risiko During 2019, the risk Management Division has
telah mengarahkan dan mengkoordinasikan directed and coordinated the management of a
pengelolaan rencana dan stategi aspek risk management plan and strategy for aspects
manajemen risiko terhadap aspek dan and elements inherent in the Bank’s organization,
unsur yang melekat pada organisasi Bank, monitoring of strategic implementation, policy and
pemantauan implementasi strategi, kebijakan framework risk management in accordance with
dan kerangka manajemen risiko sesuai dengan duties and responsibilities, becoming a member
tugas dan tanggung jawab, menjadi anggota of strategic Supporting Unit in the organization
Unit Pendukung Strategis (Strategic Supporting related to risk management, as well as the
Unit) dalam organisasi terkait Manajemen Risiko, development of risk culture implementation on all
serta pengembangan penerapan budaya risiko bank business activities in each Organization level.
pada seluruh kegiatan usaha bank pada setiap
jenjang organisasi.
Tugas dan Tanggung Jawab Duties and Responsibilities Pelaksanaan Tugas Execution of tasks
1. Mengarahkan dan 1. Directing and coordinating • Risk Management Strategy • Risk Management Strategy
mengkoordinasikan management of risk • Risk Governance Structure • Risk Governance Structure
pengelolaan risk management management framework. • Program manajemen risiko • Risk Management Program
framework. • Road map manajemen risiko • Road Map Risk Management
• Penetapan risk appetite dan risk • Determination of risk appetite
tolerance and risk tolerance
• Tools manajemen risiko • Risk tools manajement
• Program perilaku sadar risiko • Risk-aware conduct Program
(risk awareness) (risk awareness)
2. Mengarahkan dan 2. Directing and coordinating the • Profil risiko bank • Bank risk profiles
mengkoordinasikan risk assessment management.
pengelolaan risk assessment.
3. Mengarahkan dan 3. Directing and coordinating risk • Stress testing modal berbasis • Stress testing of risk-based
mengkoordinasikan based capital Management. risiko capital
pengelolaan risk based capital. • Hasil pemantauan atas • Monitoring result of Minimum
pengukuran Kewajiban capital adequacy Measurement
Penyediaan Modal Minimum (KPMM)
(KPMM) • Monitoring results of Minimum
• Hasil pemantauan atas capital adequacy measurement
pengukuran kecukupan modal according to risk profile (ICAAP)
minimum sesuai profil Risiko
(ICAAP)
4. Mengarahkan dan 4. Directing and coordinating risk • Register hasil identifikasi risiko • Register Risk Identification
mengkoordinasikan treatment management and Results
pengelolaan penanganan dan control.
kontrol risiko (risk treatment).
5. Mengarahkan dan 5. Directing and coordinating the • Pemenuhan laporan • Fulfillment of risk report or risk
mengkoordinasikan risk report fulfillment manajemen risiko (risk report) profile either individually or
pemenuhan laporan atau profil risiko baik secara consolidated
manajemen risiko (risk report) individu maupun konsolidasi
6. Mengarahkan dan 6. Directing and coordinating the • Perbaikan pengelolaan risiko • Improved risk management
mengkoordinasikan management of risk improvement • Hasil pembahasan/Focus • Results of discussion/Focus
pengelolaan risk improvement and communication. Group Discussion dengan Group Discussion with risk taking
and communication. risk taking unit atas kejadian unit for risk event or application
risiko ataupun penerapan of risk management
Manajemen risiko
7. Mengarahkan dan 7. Directing and coordinating • Rencana Business Continuity • Business Continuity Management
mengkoordinasikan the management of Business Management (BCM) : plan (BCM):
pengelolaan Business Continuity Management (BCM). -- Kajian Business Impact -- Business Impact Analysis
Continuity Management (BCM). Analysis (BIA) (BIA) study
-- Business Continuity Plan -- Business Continuity Plan
(BCP) (BCP)
-- Strategi pemulihan -- Recovery Strategy
• Simulasi Business Continuity • Simulated Business Continuity
Plan (BCP) Plan (BCP)
• Implementasi rencana Business • Implementation of Business
Continuity Management (BCM) Continuity Management plan
(BCM)
Struktur Organisasi Divisi Kepatuhan dan Organizational Structure Compliance Division and
APU PPT APU PPT
Direktur yang Membawahi Fungsi Kepatuhan Director Who Is Managing Compliance Function
Sebagai bentuk kepatuhan kepada POJK No. As a form of obedience to POJK No. 46/POJK.03/2017
46/POJK.03/2017 tentang Pelaksanaan Fungsi regarding the implementation of the general Bank’s
Kepatuhan Bank Umum, bank bjb telah compliance function, bank bjb has appointed
menunjuk Direktur yang membawahi fungsi director who overtakes compliance function.
kepatuhan. Direktur Kepatuhan bank bjb telah Director of Compliance bank bjb has fulfilled the
memenuhi prasyarat integritas dan kompetensi prerequisites of integrity and competence evidenced
dibuktikan dengan telah lulus proses fit and by having passed the fit and proper test process of
proper test dari Otoritas Jasa Keuangan. the Financial Services Authority.
Divisi Kepatuhan dan APU PPT Compliance and APU PPT Division
bank bjb telah membentuk Satuan Kerja bank bjb has established a compliance work unit
Kepatuhan yang termasuk dalam Direktorat which is included in the Directorate of Compliance
Kepatuhan dan Manajemen Risiko yakni and Risk management which is the Compliance
Divisi Kepatuhan dan APU PPT. Satuan Kerja division and APU PPT. Compliance Work Unit is
Kepatuhan independen terhadap unit kerja independent of the business unit and carries out
bisnis dan melaksanakan kegiatan sesuai activities in accordance with the functions listed
dengan fungsi yang tercantum POJK Nomor by POJK number 46/POJK.03/2017 concerning
46/POJK.03/2017 tentang Pelaksanaan fungsi The Implementation of Public Bank Compliance
Kepatuhan Bank Umum. Functions.
Profil Kepala Divisi Kepatuhan dan APU PPT Head Profile of Compliance and APU PPT Division
Cecep Trisna
Pemimpin Divisi Kepatuhan dan APU PPT
Compliance Division leader and APU PPT
Kewarganegaraan Nationality Warga Negara Indonesia Indonesia
Domisili Domicile Bandung Bandung
Tempat dan Place and Bandung, 7 Juni 1967, Per 31 Desember Bandung, June 7th, 1967, on December
Tanggal Lahir/ Date of birth/age 2019 berusia 52 Tahun 31th, 2019 52 years old
Usia
Riwayat Educational Sarjana di bidang Manajemen dari Bachelor degree in Management from
Pendidikan background Universitas Padjajaran tahun 1990. University of Padjajaran year 1990.
Pengalaman Kerja Working Bergabung di bank bjb sejak 1991 Joined bank bjb since 1991 with a
experience dengan riwayat jabatan antara lain: history of office, among others:
• Pemimpin Yayasan Kesejahteraan • Leader of Employees Welfare
Pegawai bank bjb sejak Januari 2017 Foundation of bank bjb from
hingga Desember 2018. January 2017 to December 2018.
• Pemimpin Divisi Pendidikan dan • Leader in education and Training
Pelatihan sejak Januari 2014 hingga division from January 2014 to
Januari 2017. January 2017.
• Pemimpin Divisi Change Management • Leader of Change Management
Office sejak Mei 2013 hingga Januari Office division from May 2013 to
2014. January 2014.
Riwayat Appointment Berdasarkan Surat Keputusan Direksi Based on the board of Directors decree
Penunjukan Record No. 1516/SK/DIR-HC/2018. No. 1516/SK/DIR-HC/2018.
Tugas dan Tanggung Jawab Fungsi Kepatuhan Duties and Responsibilities of Compliance
Functions
Satuan Kerja Kepatuhan mempunyai tugas dan The Compliance Work Unit has the duties and
tanggung jawab paling kurang mencakup: responsibilities at least including:
1. Membuat langkah untuk mendukung 1. Make steps to support the creation of a
terciptanya Budaya Kepatuhan pada Compliance Culture in all business activities of
seluruh kegiatan usaha Bank pada setiap the Bank at every level of the organization.
jenjang organisasi.
2. Melakukan identifikasi, pengukuran, 2. Identifying, measuring, monitoring and
pemantauan dan pengendalian terhadap controlling compliance risk by referring to OJK
risiko kepatuhan dengan mengacu pada regulations governing the application of risk
ketentuan OJK yang mengatur mengenai management for commercial banks.
penerapan manajemen risiko bagi bank
umum.
3. Menilai dan mengevaluasi efektivitas, 3. Assess and evaluate the effectiveness, adequacy
kecukupan dan kesesuaian kebijakan, and suitability of policies, regulations, systems
ketentuan, sistem maupun prosedur and procedures owned by the Bank with the
yang dimiliki oleh Bank dengan ketentuan provisions of the legislation.
peraturan perundang-undangan.
4. Melakukan kaji ulang dan/atau 4. Conduct a review and / or recommend updating
merekomendasikan pengkinian dan and refining policies, provisions, systems and
penyempurnaan kebijakan, ketentuan, procedures to comply with OJK provisions and
sistem maupun prosedur agar sesuai statutory provisions.
dengan ketentuan OJK dan ketentuan
peraturan perundang-undangan.
5. Melakukan upaya untuk memastikan bahwa 5. Make efforts to ensure that the policies, system
kebijakan, ketentuan sistem dan prosedur, and procedure provisions, as well as the Bank’s
serta kegiatan usaha Bank telah sesuai business activities are in accordance with the
dengan ketentuan OJK dan ketentuan FSA and statutory regulations.
peraturan perudang-undangan.
6. Melakukan tugas lain yang terkait dengan 6. Perform other tasks related to the Compliance
Fungsi Kepatuhan antara lain: Function, including:
a. Memastikan kepatuhan Bank terhadap a. Ensuring the Bank’s compliance with
komitmen yang dibuat oleh Bank kepada commitments made by the Bank to OJK and
OJK dan/atau otoritas pengawas lain yang / or other supervisory authorities.
berwenang.
b. Melakukan sosialisasi kepad aseluruh b. Disseminating information to all Bank
pegawai Bank mengenai hal-hal yang employees regarding matters relating to the
terkait dengan Fungsi Kepatuhan Compliance Function, especially regarding
terutama mengenai ketentuan yang applicable regulations.
berlaku.
c. Bertindak sebagai narahubung (contact c. Acting as a contact person for the Bank’s
person) untuk permasalahan kepatuhan compliance issues for internal and external
Bank bagi pihak internal maupun parties.
eksternal.
regulatory authorities.
Strategi Kepatuhan 2019
2019 Compliance Strategy
Divisi Kepatuhan & APU-PPT telah melaksanakan
The Compliance & APU-PPT Division has
langkah-langkah dalam rangka mendukung
implemented measures in order to support the
terciptanya budaya kepatuhan dan penerapan
creation of a culture of compliance and good
Tata Kelola Perusahaan yang baik pada seluruh
corporate governance implementation on all bank
kegiatan usaha bank pada setiap jenjang
business activities in every criminal organization.
organisasi. Salah satu yang dilakukan yaitu
One of the things done is to implement socialization
melaksanakan sosialisasi yang secara rutin
that is routinely conducted, among others:
dilakukan antara lain:
1. Sosialisasi Budaya Kepatuhan dan APU-PPT;
1. Socialization of compliance culture and APU-PPT;
2. Training of Trainee (ToT) Pengendalian
2. Training of Trainees (ToT) the control of
Gratifikasi, dan LHKPN;
gratification, and LHKPN;
3. Sosialisasi Ketentuan Baru kepada Seluruh
3. Dissemination of new provisions to all central
Unit Kerja Kantor Pusat;
office work units;
4. Pendidikan dan Pelatihan GCG, Gratifikasi,
4. Education and training of GCG, gratification,
Benturan Kepentingan, Laporan Harta
conflict of interest, state Organizer report, and
Penyelenggara Negara, dan APU-PPT;
APU-PPT;
5. Pengembangan bjb AMOLA untuk
5. Development of bjb AMOLA for monitoring
pemantauan penerapan program APU PPT
application of APU PPT program and bjb Cyber
dan bjb Cyber Cafe sebagai sistem pencarian
Cafe as the internal provisions search system.
ketentuan internal.
6. PD. BPR PK Balongan tanggal 18 Maret 2019 6. PD. BPR PK Balongan dated March 18th, 2019
7. PT BPR Majalengka Jabar tanggal 19 Maret 7. PT BPR Majalengka Jabar dated March 19th,
2019 2019
8. PT. BPR Artha Galuh Mandiri Jabar tanggal 8. PT. BPR Artha Galuh Mandiri Jabar dated
21 Maret 2019 March 21st,2019
9. PT. BPR Cipatujah Jabar (Perseroda) tanggal 9. PT. BPR Cipatujah Jabar (Perseroda) dated
22 Maret 2019 March 22nd, 2019
10. PT BPR Cianjur Jabar tanggal 20 Juni 2019 10. PT BPR Cianjur Jabar dated June 20th, 2019
11. PD. BPR PK Balongan tanggal 18 Juni 2019 11. PD. BPR PK Balongan dated June 18th, 2019
12. PT BPR Majalengka Jabar tanggal 19 Juni 12. PT BPR Majalengka Jabar dated June 19th,
2019 2019
13. PT BPR Parungpanjang tanggal 21 Juni 2019 13. PT BPR Parungpanjang dated June 21st, 2019
14. PD. BPR PK Balongan tanggal 25 September 14. PD. BPR PK Balongan dated September 25th,
2019 2019
15. PT. BPR Cipatujah Jabar (Perseroda) tanggal 15. PT. BPR Cipatujah Jabar (Perseroda) dated
21 November 2019 November 21st, 2019
16. PT. BPR Artha Galuh Mandiri Jabar tanggal 16. PT. BPR Artha Galuh Mandiri Jabar dated
22 November 2019 November 22nd, 2019
17. PT. BPR Majalengka Jabar tanggal 18 17. PT. BPR Majalengka Jabar dated December
Desember 2019 18th, 2019
1. bank bjb memiliki komitmen bahwa 1. bank bjb has a commitment that adherence to
kepatuhan terhadap peraturan yang terkait regulations related to business as a bank and
dengan usaha sebagai bank dan perusahaan public company, both from Bank Indonesia,
publik, baik dari Bank Indonesia, Otoritas Jasa financial Services Authority, as well as other
Keuangan, serta peraturan perundangan- regulations, must be implemented by the
undangan lain, wajib dilaksanakan oleh Board of Commissioners, directors, and all
Dewan Komisaris, Direksi, dan seluruh employees in the organization. As a form of
pegawai dalam organisasi. Sebagai wujud commitment to compliance with regulators,
komitmen kepatuhan terhadap regulator, the board of Directors established the &
Direksi membentuk Divisi Kepatuhan & APU- APU-PPT Compliance Division as a working
PPT sebagai satuan kerja yang mengelola unit managing compliance functions. The
fungsi kepatuhan. Divisi Kepatuhan & APU- Compliance Division & APU-PPT conducts
PPT melaksanakan kegiatan sesuai dengan activities in accordance with the functions
fungsi yang tercantum dalam Peraturan listed in regulation of the Financial Services
Otoritas Jasa Keuangan Nomor 46/ Authority No. 46/POJK.03/2017 regarding the
POJK.03/2017 tentang Pelaksanaan Fungsi implementation of compliance function of
Kepatuhan Bank Umum. commercial banks.
2. Divisi Kepatuhan & APU-PPT membuat 2. The Compliance Division & APU-PPT makes
langkah-langkah dalam rangka mendukung measures in order to support the creation of
terciptanya budaya kepatuhan pada seluruh a culture of compliance with all bank business
kegiatan usaha bank pada setiap jenjang activities at every level of the organization.
organisasi. Salah satu yang dilakukan One of the activities is to implement cultural
yaitu melaksanakan sosialisasi budaya socialization of compliance regularly to realize
kepatuhan secara rutin untuk mewujudkan the implementation of culture of compliance
terlaksananya Budaya Kepatuhan pada at all levels of the organization and business
semua tingkatan organisasi dan kegiatan activity of the Bank. The Compliance Division
usaha Bank. Adapun kegiatan Divisi & APU-PPT activities during the year 2019 is as
Kepatuhan & APU-PPT selama tahun 2019 follows:
ini adalah sebagai berikut:
a. Penetapan ketentuan Internal Bank a. Determination of Internal Bank provision
-- Surat Keputusan Direksi no.0694/ -- Decree of the Board of Directors No.
SK/DIR-KP/2019 tanggal 20 Juni 2019 0694/SK/DIR-KP/2019 dated June 20th,
tentang Pedoman Pengendalian 2019 Concerning The Guidelines on
Gratifikasi; gratification control;
-- Surat Keputusan Divisi no.002/SK/ -- Decree Division number 002/SK/KP/2019
KP/2019 tanggal 20 Mei 2019 tentang dated May 20th, 2019 On Risk Limit
Risk Limit Risiko Kepatuhan; Compliance Risk;
-- Surat Keputusan Divisi no.001/SK/ -- Decree of Division No. 001/SK/KP/2019
KP/2019 tanggal 20 Mei 2019 tentang dated May 20th, 2019 on technical
Petunjuk Teknis Pengisian Laporan guidelines for the filling of the state’s
Harta Kekayaan Penyelenggara Negara assets ‘ Wealth Report (LHKPN);
(LHKPN);
-- Surat Keputusan Divisi PT. Bank -- Decree of the Division of PT. Bank
Pembangunan Daerah Jawa Barat Pembangunan Daerah Jawa Barat dan
dan Banten, Tbk. Nomor 001/SK/KAP- Banten, Tbk. No.001/SK/KAP-PPK/2019
PPK/2019 tanggal 19 Desember 2019 dated December 19th, 2019 concerning
tentang Petunjuk Teknis Compliance The Technical Indicators Of Compliance
Sheet Pengkajian Kepatuhan. Assessment.
b. Kegiatan sosialisasi dengan tema “Budaya b. Socialization activities with the theme
Kepatuhan dan APU-PPT” pada 24 (dua “Culture of compliance and APU-PPT” on 24
puluh empat) jaringan Kantor Cabang. (twenty four) branch offices network.
c. Kajian kepatuhan dalam rangka c. Compliance review in order to ensure
memastikan kepatuhan atas ketentuan compliance with the internal provisions of
internal bank bjb terhadap ketentuan bank bjb on the provisions of the legislation
perundang – undangan yang telah – the invitation that has been compiled as
disusun sebanyak 456 kajian. many as 456 studies.
3. Melakukan pemantauan tindaklanjut 3. Monitoring the Bank’s commitment to the
komitmen bank terhadap regulator. regulator.
4. Melakukan pemantauan terhadap 4. Monitoring against the imposition of sanctions/
pengenaan sanksi/denda regulator. fines regulator.
5. Melakukan pemantauan terhadap rapat 5. Monitoring of routine meetings.
rutin.
6. Melakukan kajian terhadap ketentuan yang 6. Conduct a review of the new provisions
baru diberlakukan oleh regulator. imposed by the regulator.
Risk Management Committee (RMC) atau The risk Management Committee (RMC) or the
Komite Manajemen Risiko dalam metodologi Risk Management Committee in the process of
proses manajemen risiko bertugas untuk risks management processes are tasked to develop
mengembangkan budaya risiko dan a culture of risk and establish direction for all
menetapkan arahan untuk seluruh aktivitas activities that contain risk.
yang mengandung risiko.
Struktur dan Keanggotaan Komite Manajemen Structure and Membership of Risk Management
Risiko Committee
Proses Komite Manajemen Risiko secara spesifik The process of the risk Management Committee is
terdapat dalam Pedoman Komite Manajemen specific to the guidelines of the Risk Management
Risiko yang telah disahkan dalam Surat Committee which has been ratified in the Decree
Keputusan Direksi bank bjb Nomor 094/SK/ of the Board of Directors of bank bjb number
DIR-MR/2017 tanggal 31 Oktober 2017 tentang 094/SK/DIR-MR/2017 dated October 31st, 2017 on
Pedoman Komite Manajemen Risiko (Risk the risk Management Committee guidelines. The
Management Committee). Susunan keanggotaan membership arrangement of the Risk Management
Komite Manajemen Risiko terdiri dari Direksi Committee consists of directors and related division
dan Para Pemimpin Divisi terkait yakni: leaders namely:
Ketua : Direktur yang membidangi Chairman : Directors in charge of risk
Manajemen Risiko management (Concurrently
(Merangkap sebagai serving as a permanent
Anggota Tetap Dengan member with voting rights)
Hak Suara)
Sekretaris : Pemimpin Divisi Secretary
: Leader of risk management
Manajemen Risiko Division (Concurrently serving
(Merangkap sebagai as a permanent member
Anggota Tetap Tanpa Hak without voting rights)
Suara)
Anggota Tetap : Seluruh Direksi lainnya Permanent
(Di luar Direktur Utama) member : All other directors (outside the
Pemimpin Divisi Kepatuhan President director)
Pemimpin Divisi Audit Internal Compliance Division Leader
Pemimpin Divisi Credit Risk Leader of Internal Audit
Review Division Credit Risk Review
Pemimpin Divisi Division leader
Perencanaan Strategis Strategic Planning Division
Pemimpin Divisi Change Leader
Management office Office Change Management
Pemimpin Divisi Pengendali Division leader Leader of
Keuangan Financial control Division
Anggota Tidak Unfixed
Tetap : Pemimpin Divisi/Unit yang members : Division leader/Unit that has
memiliki keterkaitan association
Tanpa Hak Suara : dengan topik pembahasan No Voting rights with the topic of discussion
Tugas, Wewenang, dan Tanggung Jawab Duties, Authorities, and Responsibilities of The Risk
Komite Manajemen Risiko Management Committee
Tugas, wewenang dan tanggung jawab The duties, authorities and responsibilities of
Risk Management Committee (RMC) adalah the Risk Management Committee (RMC) are to
mengevaluasi dan memberikan rekomendasi evaluate and provide recommendations on the
mengenai penerapan manajemen risiko terkait implementation of risk management in relation to
hal-hal sebagai berikut: the following matters:
1. Penyusunan kebijakan manajemen risiko 1. The policy formulation of risk management
serta perubahannya, termasuk strategi and its changes, including risk management
manajemen risiko dan contingency plan strategies and contingency plan in external
dalam kondisi eksternal tidak normal terjadi conditions is not normal (worst case scenario).
(worst case scenario).
2. Perbaikan dan penyempurnaan penerapan 2. Improvement and enhancement of the
manajemen risiko yang dilakukan secara implementation of risk management
berkala maupun insidentil sebagai akibat conducted periodically or incidental as a result
dari suatu perubahan kondisi eksternal of a change in external and internal conditions
dan internal Bank yang mempengaruhi of the Bank that affects the adequacy of
kecukupan permodalan dan profil risiko capital and risk profile of the Bank and the
Bank dan hasil evaluasi terhadap efektivitas result of evaluation To the effectiveness of such
penerapan tersebut. applications.
3. Penetapan (justification) atas hal-hal yang 3. Determination (justification) of matters
terkait dengan keputusan-keputusan relating to business decisions that deviate from
bisnis yang menyimpang dari prosedur normal procedures (irregularities), such as the
normal (irregularities), seperti keputusan decision of a significant business expansion
pelampauan ekspansi usaha yang signifikan to the business plan of a pre-defined bank or
dibandingkan dengan rencana bisnis bank risk-taking position/exposure exceeding the
yang telah ditetapkan sebelumnya atau specified limit.
pengambilan posisi/eksposur risiko yang
melampaui limit yang telah ditetapkan.
4. Pembahasan terhadap penerapan 4. Discussion of the implementation of risk
metodologi manajemen risiko termasuk management methodology including bank risk
diantaranya model-model pengukuran measurement models including risk limits.
risiko bank termasuk limit risiko.
5. Pembahasan atas pelaporan penilaian profil 5. Discussion of bank risk profile assessment
risiko bank. reporting.
Selama tahun 2019, Komite Manajemen During 2019, the risk Management committee has
Risiko telah melaksanakan tugasnya dengan carried out its duties by organizing a meeting of 2
menyelenggarakan rapat sebanyak 2 (dua) kali, (two) times, with the following agenda:
dengan agenda sebagai berikut:
Tanggal
No. Agenda Agenda
Date
1. 16 September 2019 -- Portofolio guideline -- Portfolio Guidelines
September 16th, 2019 -- Interest Rate Risk in The Banking Book -- Interest Rate Risk in The Banking
(IRRBB) Book (IRRBB)
-- Profil risiko wilayah dan cabang -- Regional and branch risk profiles
2. 14 Oktober 2019 Pembahasan profil risiko posisi Discussion of position risk profile September
October 14th, 2019 September tahun 2019 2019
Berdasarkan Surat Keputusan Direksi bank Based on the decree of the Board of Directors
bjb Nomor 160/SK/DIR-KOM/2015 tanggal 4 of bank bjb No. 160/SK/DIR-KOM/2015 dated
Maret 2015 tentang Kebijakan Perkreditan Bank March 4th, 2015 concerning the credit policy of the
Umum, Komite Kebijakan Perkreditan (KKP) atau commercial Bank, the Credit Policy Committee (KKP)
Credit Policy Committee (CPC) bertugas untuk or the Credit Policy Committee (CPC) in charge of
membantu Manajemen dalam merumuskan assisting the management in formulating policies,
Kebijakan, mengawasi pelaksanaan kebijakan, overseeing policy implementation, monitoring the
memantau perkembangan dan kondisi development and conditions of the crediting.
portofolio perkreditan serta memberikan saran-
saran langkah perbaikan.
Struktur dan Keanggotaan Komite Kebijakan Structure and Membership of The Credit Policy
Perkreditan Committee
Komite Credit Policy Committee diketuai oleh The Credit Policy committee is led by the President
Direktur Utama atau salah seorang anggota Director or one of the members of the Board of
Direksi dengan persetujuan Dewan Komisaris directors with the approval of the BOC with the
dengan anggota sekurang-kurangnya terdiri member at least consisting of the credit director,
dari Direktur Kredit, Pimpinan Satuan Kerja Head of working unit of the creditor SKAI Leadership.
Bidang Operasional Perkreditan, Pimpinan SKAI.
Ketua : Direktur Utama Chairman : President Director
Wakil Ketua : Direktur Komersial Deputy Chairman : Commercial Director
Sekretaris 1 : Pemimpin Divisi Secretary 1 : Leader of risk
Manjemen Risiko management Division
Sekretaris 2 : Pemimpin Divisi Credit Risk Secretary 2 : Credit Risk Division Leader
Anggota Permanen : Direktur Mikro Permanent members : Micro Director
Direktur Komersial Commercial Director
Direktur Keuangan Director of Finance
Direktur Operasional Director of Operations
Direktur Treasury & Director of Treasury &
Internasional International
Direktur Kepatuhan & Director of Compliance &
Manajemen Risiko Risk Management
Pemimpin Divisi Corporate and Commercial
Korporasi dan Komersial Division leader Consumer
Pemimpin Divisi Konsumer Division leader Micro
Pemimpin Divisi Mikro Division Leader BPR
Pemimpin Divisi BPR, Division leader, Cooperative
Koperasi & Lembaga & other Financial
Tugas, Wewenang, dan Tanggung Jawab Duties, Authorities, and Responsibilities of The
Komite Kebijakan Perkreditan Credit Policy Committee
Tugas, wewenang dan tanggung jawab Komite The duties, authorities and responsibilities of the
Kebijakan Perkreditan sebagai berikut: Credit Policy Committee are as follows:
1. Merumuskan dan menetapkan 1. To formulate and to establish significant and
permasalahan yang bersifat signifikan dan material problems, including the formulation of
material, meliputi penyusunan kebijakan credit policies and amendments, improvements
kredit serta perubahannya, perbaikan atau or enhancements to the implementation of the
penyempurnaan penerapan termasuk policy and the contingency plan abnormal
strategi kebijakan kredit serta contingency conditions;
plan apabila terdapat kondisi yang tidak
normal;
2. Menetapkan hal-hal yang terkait dengan 2. Establishing matters relating to the deviating
keputusan bisnis yang menyimpang dari business decisions of normal credit procedures,
prosedur normal di bidang kredit antara among others, a significant creditor expansion
lain keputusan pelampauan ekspansi decision is compared to the Bank’s pre-defined
kredityang signifikan dibandingkan dengan business plan;
rencana bisnis Bank yang telah ditetapkan
sebelumnya;
3. Merumuskan kebijakan perkreditan 3. Formulating crediting policies based on the
berdasarkan hal-hal khusus yang specific desired risk appetite related to:
dikehendaki (Risk Appetite) yang berkaitan
dengan:
a. Target market dan porsi; a. Target Market and portion;
b. Segmentasi; b. Segmentation;
c. Risk Limit & Risk Tolerance setiap target c. Risk Limit & Risk Tolerance setiap target
market/sektor/jenis kredit/wilayah; market/sektor/jenis kredit/wilayah;
a. Pencapaian target Rencana Kerja dan a. Achievement of the target work plan and
Pengawasan Kredit Bermasalah. monitoring of problematic credit.
Komite Kebijakan Perkreditan telah The creditor Policy Committee has carried out its
melaksanakan tugas dengan merumuskan duties by formulating policies, overseeing policy
Kebijakan, mengawasi pelaksanaan kebijakan, execution, monitoring the development and
memantau perkembangan dan kondisi conditions of the crediting portfolio as well as
portofolio perkreditan serta memberikan providing corrective step suggestions. During 2019,
saran-saran langkah perbaikan. Selama tahun the Credit Policy Committee conducted 1 (one)
2019, Komite Kebijakan Perkreditan telah meeting with the following agenda.
melaksanakan 1 (satu) kali rapat dengan agenda
sebagai berikut.
Tanggal
Agenda Agenda
Date
5 April 2019 -- Pembahasan revisi Kebijakan -- Discussion on revision of Bank credit
April 5th, 2019 Perkreditan Bank (KPB) policy (KPB)
-- Perubahan jabatan sekretaris CPC -- Change of CPC secretary’s position
Sesuai dengan Surat Keputusan Direksi Nomor Pursuant to the decree of Board of Directors number
1135/SK/DIR-TI/2016 tentang Pembentukan 1135/SK/DIR-TI/2016 on the establishment of a
Komite Pengarah Teknologi Informasi. Struktur steering Committee on information Technology.
dan keanggotaan IT Steering Committee adalah The structure and membership of the IT Steering
sebagai berikut: Committee are as follows:
Tugas, wewenang dan tanggung jawab The task, authority and responsibility of the
Komite Pengarah Teknologi Informasi adalah Director of the Information Technology Committee
memberikan rekomendasi kepada Direksi yang is to provide recommendations to the board of
paling kurang terkait dengan: Directors as related to:
1. Rencana Strategis Teknologi Informasi 1. Information Technology Strategic plan
(Information Technology Strategic Plan) that is in direct with the strategic plan of
yang searah dengan rencana strategis the Bank’s business activities. In providing
kegiatan usaha Bank. Dalam memberikan recommendations, the information Technology
rekomendasi, Komite Pengarah Teknologi Steering Committee should consider the factors
Informasi hendaknya memperhatikan faktor of efficiency, effectiveness and the following
efisiensi, efektivitas serta hal-hal sebagai things:
berikut:
a. Rencana pelaksanaan (roadmap) untuk a. Plan of implementation (roadmap) to
mencapai kebutuhan Teknologi Informasi achieve the needs of information technology
yang mendukung strategi bisnis Bank. that supports Bank’s business strategy.
Roadmap terdiri dari kondisi saat ini Roadmap consists of current state, the
(current state), kondisi yang ingin dicapai condition to be achieved (future state) as
(future state) serta langkah-langkah yang well as steps to be taken to achieve future
akan dilakukan untuk mencapai future state.
state.
b. Sumber Daya yang dibutuhkan. b. Required Resources.
c. Keuntungan/Manfaat yang akan c. Benefits to be gained when the plan is
diperoleh saat rencana diterapkan; applied;
2. Perumusan kebijakan dan prosedur. 2. Formulation of policies and procedures.
Teknologi Informasi yang utama seperti Key information technologies such as the
kebijakan pengamanan Teknologi Informasi information technology security and risk
dan manajemen risiko terkait penggunaan management policy regarding the use of
Teknologi Informasi di Bank. information technology in the Bank.
3. Kesesuaian proyek-proyek Teknologi 3. Suitability of information technology projects
Informasi yang disetujui dengan Rencana approved with strategic plan of information
Strategis Teknologi Informasi, Komite technology, the Steering Committee of
Pengarah Teknologi Informasi juga Information Technology also sets the priority
menetapkan status prioritas proyek status of the Critical Information Technology
1. Teknologi Informasi yang bersifat kritikal 1. project (significant impact To the Bank’s
(berdampak signifikan terhadap kegiatan operational activities) e.g. replacement of core
operasional Bank) misalnya penggantian banking application, production server and
core banking application, server production network topology.
dan topologi jaringan.
2. Kesesuaian antara pelaksanaan proyek- 2. Conformity between the implementation of
proyek Teknologi Informasi dengan rencana information technology projects with Project
proyek (project charter) yang disepakati dalam Charter agreed in service level agreement. The
service level agreement. Komite Pengarah Information Technology Steering Committee
Teknologi Informasi hendaknya melengkapi should complement the recommendations with
rekomendasi dengan hasil analisis dari the analysis results of the main information
proyek-proyek Teknologi Informasi yang technology projects so as to allow the Board to
utama sehinga memungkinkan Direksi make efficient decisions.
mengambil keputusan secara efisien.
3. Kesesuaian Teknologi Informasi dengan 3. Information technology suitability with
kebutuhan sistem informasi manajemen information management system needs that
yang mendukung pengelolaan kegiatan support the management of Bank’s business
usaha Bank. activities.
4. Efektivitas langkah-langkah meminimalkan 4. Effectiveness of measures minimizing risks to
risiko atas investasi Bank pada sektor Bank investments in the information technology
Teknologi Informasi agar investasi sector so that the investment contributes to the
tersebut memberikan kontribusi terhadap achievement of the business objectives of Bank.
tercapainya tujuan bisnis Ban.
5. Pemantauan atas kinerja Teknologi 5. Monitoring on the performance of information
Informasi, dan upaya peningkatannya technology, and its improvement efforts for
misalnya dengan mendeteksi keusangan example by detecting information technology
Teknologi Informasi dan mengukur and measuring the effectiveness and efficiency
efektivitas dan efisiensi penerapan kebijakan of the implementation of information
pengamanan Teknologi Informasi. technology security policy.
6. Upaya penyelesaian berbagai masalah 6. Efforts to resolve various issues related to
terkait Teknologi Informasi yang tidak dapat information technology that cannot be resolved
diselesaikan oleh satuan kerja pengguna by the user’s work force and the organizer’s
dan dan satuan kerja penyelenggara. unit. The Information Technology Steering
Komite Pengarah Teknologi Informasi dapat Committee can facilitate the relationship
memfasilitasi hubungan antara kedua between the two working units.
satuan kerja tersebut.
7. Kecukupan dan alokasi sumber daya 7. Adequacy and allocation of the resources
yang dimiliki Bank. Apabila sumber daya owned by the Bank. If the resources owned
yang dimiliki tidak memadai dan Bank are insufficient and the Bank will use the
akan menggunakan jasa pihak lain dalam services of other parties in the implementation
penyelenggaraan Teknologi Informasi maka of information technology then the Steering
Komite Pengarah Teknologi Informasi harus Committee of the Information technology shall
memastikan Bank telah memiliki kebijakan ensure the Bank has the relevant policies and
dan prosedur terkait. procedures.
Selama tahun 2019, IT Steering Committee telah During the year 2019, the IT Steering Committee
melaksanakan tugasnya melalui rapat yang has carried out its duties through a meeting held 2
diadakan sebanyak 2 (dua) kali dengan agenda (two) times with the agenda of the discussion:
pembahasan:
Tanggal
No Agenda Agenda
Date
1 30 September 2019 • Perubahan susunan Komite IT Steering • Change arrangement of the IT Steering Committee (ITSC)
September 30th, 2019 Committee (ITSC). committee.
• Rencana Colocation DC dan DRC. • Colocation plan DC and DRC.
• Penambahan kapasitas penyimpanan data • Added data storage capacity for core & non core banking.
untuk core & non core banking.
• Penambahan lisensi core banking. • Added core banking licenses.
• Pengembangan aplikasi switching. • Switching application development.
• Pengembangan aplikasi middleware. • Application development middleware.
• Pengembangan digital core banking platform. • Development of digital core banking platform.
• Pengembangan office automation. • Office automation development.
2 17 Desember 2019 • Laporan progress tindaklanjut IT Steering • Progress report on IT Steering Committee from September
December 17th, 2019 Committee periode September 2019. 2019.
• Pengelolaan dan penetapan kebijakan • Management and assignment of loan management System
aplikasi loan manajemen system (LMS). (LMS) application policy.
• Persiapan akhir tahun 2019 (end of year). • End of year preparation 2019
Komite Manajemen Risiko Terintegrasi dalam The Integrated Risk Management Committee in
metodologi proses manajemen risiko bertugas the risk management process methodology is
untuk mengembangkan budaya risiko dan tasked to develop a culture of risk and establish
menetapkan arahan untuk seluruh aktivitas direction for all activities that contain risk in the
yang mengandung risiko dalam Konglomerasi financial conglomerate. Specific Integrated Risk
Keuangan. Proses Komite Manajemen Management Committee’s process is contained
Risiko Terintegrasi secara spesifik terdapat in the Integrated Risk Management Committee
dalam Pedoman Komite Manajemen Risiko guidelines.
Terintegrasi.
Struktur dan Keanggotaan Komite Manajemen Structure and Membership of Integrated Risk
Risiko Terintegrasi Management Committee
Tugas, Wewenang, dan Tanggung Jawab Duties, Authorities, and Responsibilities of The
Komite Manajemen Risiko Terintegrasi Integrated Risk Management Committee
Tugas, wewenang dan tanggung jawab Komite The duties, authorities and responsibilities of the
Manajemen Risiko Terintegrasi (KMRT) sesuai SK Integrated Risk Management Committee (KMRT)
No. 1049/SK/DIR-MR/2016 tanggal 23 November pursuant to SK No. 1049/SK/DIR-MR/2016 dated
2016 tentang Pedoman Komite Manajemen November 23rd, 2016 concerning the Integrated
Risiko Terintegrasi adalah untuk memberikan risk Management Committee guideline is to provide
rekomendasi kepada Direksi Entitas Utama recommendations to the board of Directors of the
mengenai penerapan manajemen risiko paling main entities on the implementation of the least
kurang: minimal risk management:
Selama tahun 2019, Komite Manajemen Risiko In the years 2019, the Integrated Risk Management
Terintegrasi telah melaksanakan kegiatan Committee has carried out activities such as
diantaranya menyelenggarakan rapat sebanyak conducting meetings of 1 (one) time with the
1 (satu) kali dengan agenda sebagai berikut: following agenda:
Tanggal
Agenda Agenda
Date
2 Oktober 2019 • Penyampaian profil risiko terintegrasi posisi Juni 2019 • Integrated risk profile delivery position June 2019
October 2nd, 2019 • Pembahasan hasil Focus Group Discussion (FGD) terkait • Discussion of the results of Focus Group Discussion (FGD)
penerapan manajemen risiko pada perusahaan anak regarding the implementation of risk management of
dan BPR terelasi related subsidiaries and rural BANKS
• Diskusi (sharing session) • Discussion (sharing session)
Assets and Liability Committee (ALCO) Assets and Liability Committee (ALCO)
ALCO dibentuk untuk membantu Direksi dalam ALCO was established to assist the Board of
menetapkan strategi terhadap pengendalian directors in establishing strategies against the
risiko likuidasi dan rentabilitas serta liquidation and risk control and management
pengambilan keputusan manajemen dalam decision making in the management of assets and
rangka pengelolaan assets dan liability. liability.
Struktur dan Keanggotaan Assets and Liability Structure and Membership of The Assets and
Committee (ALCO) Liability Committee (ALCO)
Struktur dan keanggotaan Assets and Liabiliy Structure and membership of the Assets and
Committee (ALCO) berdasarkan Surat Keputusan Liabiliy Committee (ALCO) based on the decree of
Direksi No.601/SK/DIR-TR/2018 tanggal 6 Juni the Board of Directors No. 601/SK/DIR-TR/2018
2018 adalah sebagai berikut dated June 6th, 2018 presented as follows
Ketua : Direktur Utama Chairman : President Director
Wakil Ketua : Direktur Keuangan* Deputy Chairman : Director of Finance *
Direktur Komersial dan Director of commercial
UMKM* and MSME *
Direktur Konsumer dan Ritel* Director of consumer
Sekretaris : Pemimpin Divisi Tresuri and retail *
Pemimpin Divisi Secretary : Leader of Tresuri Division
Manajemen Risiko Leader of risk
Pemimpin Divisi management Division
Pengendalian Keuangan Leader of Financial
(Merangkap sebagai control Division
Anggota Tetap) (Concurrently serving as
Anggota Tetap : Direktur Operasional* a permanent member)
Direktur Kepatuhan dan Permanent Member : Director of Operations *
Manajemen Risiko* Director of Compliance
SEVP Credit Risk and risk management *
SEVP Komersial & UMKM SEVP Credit Risk
SEVP Operasional & Digital SEVP Commercial & MSMES
Banking SEVP Operational & Digital
Pemimpin Divisi Kredit Banking
Konsumer & Ritel Consumer & Retail Division
Pemimpin Divisi Korporasi leader
& Komersial Commercial & Corporate
Pemimpin Divisi KPR & KKB Division Leader
Pemimpin Divisi Kredit Head of KPR Division & KKB
UMKM SME Credit Division Leader
Pemimpin Divisi BPR dan Leader of the BPR
Lembaga Keuangan Mikro division and microfinance
Pemimpin Divisi institutions
Institusional Banking Leader of Banking
Pemimpin Divisi dana & Institutional Division
Jasa Konsumer Leader of Fund Division &
Pemimpin Divisi Transaction Consumer Services
Tugas, Wewenang, dan Tanggung Jawab Duties, Authorities, and Responsibilities of Assets
Assets and Liability Committee (ALCO) and Liability Committee (ALCO)
Tugas, wewenang dan tanggung jawab Asset The duties, authorities and responsibilities of the
and Liability Committee (ALCO) adalah sebagai Asset and Liability Committee (ALCO) are as follows:
berikut: 1. Responsible for achieving bank bjb’s
1. Bertanggung jawab atas pencapaian profitability in accordance with the target
rentabilitas bank bjb sesuai dengan target profit (profit), balance sheet growth and some
keuntungan (laba), pertumbuhan neraca of the range measures set out in the budget.
dan beberapa ukuran rentabilitas yang
telah ditetapkan dalam anggaran.
2. Melakukan rapat secara berkala minimum 2. Periodically meeting at least once a month to
sebulan sekali untuk menilai, merencanakan assess, plan and take steps in the form of policy
dan mengambil langkah berupa kebijakan and action plan to achieve the target plan and
dan action plan untuk mencapai target budget with the realization and proposed
rencana kerja dan anggaran dengan realisasi possible changes Budget.
yang terjadi serta usulan kemungkinan
perubahan anggaran.
3. Merumuskan dan memutuskan strategi 3. Formulating and deciding which interest rate
suku bunga yang meliputi: strategy covers:
a. Suku bunga kredit (Prime Lending Rate, a. Interest rates (Prime Lending Rate, Based
Based Rate, dll). Rate, etc.).
b. Suku bunga dana (Demand Deposit, Time b. Interest rate of funds (Demand Deposit,
Deposit, dll). Time Deposit, etc).
c. Pricing Produk dan Jasa Bank Lainnya. c. Pricing other Bank products and services.
4. Untuk penetapan tingkat suku bunga 4. For the determination of special interest rate
khusus Deposito (Special Rate Deposito) dan deposits (Special Rate deposits) and Deposit
Deposit On Call (DOC), diberikan kewenangan On Call (DOC), is given authority to the leader
kepada Pemimpin Divisi Tresuri dengan of Tresuri division by considering the level of
mempertimbangkan tingkat likuiditas dan liquidity and interest competition in the market.
persaingan bunga di pasar.
Pelaksanaan Tugas Assets and Liability Tasks Implementation Of Assets and Liability
Committee (ALCO) Committee (ALCO)
Selama tahun 2019, ALCO telah melaksanakan During 2019, ALCO had carried out its duties
tugasnya melalui rapat yang dilaksanakan through a meeting that was conducted as much
sebanyak 13 (tiga belas) kali. Adapun agenda as 13 (thirteen) times. The agenda of the ALCO
pembahasan rapat ALCO adalah sebagai meeting is presented as follows.
berikut.
1 18 Januari 2019 Membahas Kinerja bank bjb, kondisi likuiditas Discussing the performance of bank bjb, liquidity
January 18th, 2019 bank bjb, usulan perpanjangan Program Manfaat conditions of bank bjb, the proposed renewal of the
Langsung Kredit Konsumer sampai dengan Juni consumer direct benefit Program until June 2019, a review
2019, review suku bunga floating KPR Pegawai bank of the floating interest rate loan of bank bjb and the
bjb dan usulan suku bunga program marketing 2019 proposed interest rate marketing program 2019 (branch
(Kewenangan Cabang) dan register penetapan tingkat authority) and Register interest rate determination of
suku bunga deposito rupiah dan USD dan Suku rupiah and USD and interest rate floating bjb MORTGAGE
bunga floating bjb KPR Pegawai Tahun 2019. officer year 2019.
2 25 Februari 2019 Membahas Kinerja bank bjb, kondisi likuiditas Discussing the performance of bank bjb, the last liquidity
February 25th, 2019 terakhir, progress keputusan rapat ALCO tahun condition, progress of the results of the ALCO meeting of
2018, review suku bunga floating KPR Pegawai bank 2018, review of floating interest rate KPR bank bjb and
bjb dan usulan perubahan suku bunga reguler bjb proposed change of regular interest rates bjb KPR (branch
KPR (Kewenangan Kantor Cabang) serta register Office Authority) and register the determination of the
penetapan tingkat suku bunga deposito rupiah. ethnic Rupiah deposit interest.
3 22 Maret 2019 Membahas progress keputusan rapat ALCO, register, Discussing the progress of the ALCO meeting decision,
March 22nd, 2019 perubahan tarif layanan bjb SDB & biaya tabungan register, tariff changes on the services bjb SDB & savings
bjb tandamata bisnis, dan kondisi likuiditas bank bjb. costs bjb Tandamata Bisnis, and liquidity conditions of
bank bjb.
4 5 April 2019 Membahas kinerja bank bjb, kondisi likuiditas bank Discussing the performance of bank bjb, bank bjb liquidity
April 5th, 2019 bjb, usulan penetapan suku bunga untuk fasilitas conditions, proposed interest rates for domestic lending
pinjaman dalam negeri (PDN) Pemerintah Republik facilities (PDN) of the Government of the Republic of
Indonesia, dan permohonan penetapan suku bunga Indonesia, and the application for the determination of
promosi kredit mikro utama –LPDB. major microcredit promotion rate – LPDB.
5 20 Mei 2019 Membahas kinerja bank bjb, kondisi market update Discussing the performance of bank bjb, market update
May 20th, 2019 dan likuiditas terakhir bank bjb serta progress report conditions and liquidity of bank bjb and Business Division
program Divisi Bisnis. progress Report program.
6 20 Juni 2019 Membahas kinerja bank bjb, laporan likuiditas Discussing the performance of bank bjb, liquidity report
June 20th, 2019 dan kondisi rasio keuangan, usulan perpanjangan and financial ratio conditions, proposed renewal of direct
program manfaat langsung dan POTRET, suku benefit program and POTRET, interest rate car Ownership
bunga car ownership program (COP) dan suku bunga program (COP) and collective interest Market KKB (car),
collective market KKB (mobil), monitoring program, monitoring program, and decision Register Interest.
dan register keputusan suku bunga.
7 23 Juli 2019 Membahas kinerja bank bjb, laporan likuiditas dan Discusses the performance of bank bjb, liquidity report and
July 23rd, 2019 kondisi rasio keuangan, register keputusan suku financial ratio conditions, register interest rate decisions.
bunga.
8 12 Agustus 2019 Membahas kinerja bank bjb, laporan profile likuiditas, Discussing the performance of bank bjb, liquidity Profile
August 12th, 2019 rasio keuangan dan pergerakan dana pihak ketiga report, financial Ratios and third party fund movements of
bank bjb, proyeksi aset dan liabilities sampai dengan bank bjb, asset projection and liabilities until end of August
akhir bulan agustus 2019, proyeksi rasio likuiditas 2019, projection of liquidity ratio until end of August 2019.
sampai dengan akhir bulan agustus 2019.
9 9 September 2019 Membahas pengajuan tingkat suku bunga pembelian Discussing the submission of interest rate purchases of
September 9th, 2019 piutang BJB KPR/KKB, pengajuan suku bunga COP, bjb KPR/KKB, filing interest rates COP, filing collective
pengajuan suku bunga collective market KKB (mobil), market interest rates KKB (CAR), market outlook, projection
market outlook, proyeksi rasio likuiditas sampai of the liquidity ratio until the end of September 2019,
dengan akhir bulan september 2019, perubahan changes in the principal task of Team ALCO regarding the
tugas pokok Tim ALCO perihal penetapan Pricing determination of 2019 other Bank's Pricing products and
Produk dan Jasa Bank lainnya, penyesuaian tarif services
kliring, rencana penerbitan PUB I tahap 3 tahun 2019.
10 23 September 2019 Membahas usulan kupon final PUB I Tahap III tahun Discussed the proposed final coupon of PUB I step III year
September 23rd, 2019 2019. 2019.
11 14 Oktober 2019 Monitoring Program dan Performance Asset & Monitoring and performance of the asset & liability
October 14th, 2019 Liabilities serta laporan profil likuiditas, rasio program and reports on liquidity profiles, financial ratios
keuangan, dan pergerakan aset & liabilities bank bjb. and asset & liability movement of bank bjb.
12 25 November 2019 Membahas market outlook, monitoring program dan Discussing the market Outlook, monitoring the program
November 25th, 2019 kondisi likuiditas bank bjb, usulan term loan dari Bank and liquidity conditions of bank bjb, proposal of term loan
Mandiri. from Bank Mandiri.
13 9 Desember 2019 Monitoring Program dan Kondisi Likuiditas bank bjb Monitoring Program and liquidity condition of bank bjb
December 9th, 2019 serta usulan amendemen term loan dari Bank BCA. and proposed loan amendment from Bank BCA.
14 26 Desember 2019 Monitoring Program dan Kondisi Likuiditas bank bjb Program Monitoring and liquidity conditions of bank bjb
December 26th, 2019 serta usulan term loan dari Bank Mega. and Bank Mega term loan proposal.
Prosedur standar penetapan remunerasi The standard procedure for remuneration setting
Dewan Komisaris dan Direksi ditetapkan of Board of Commissioners and BOD is stipulated
sebagai berikut: as follows:
1. Dewan Komisaris meminta Komite 1. The Board of Commissioners asks the
Nominasi dan Remunerasi untuk menyusun nomination and remuneration committee to
rancangan usulan remunerasi. draft a remuneration proposal.
2. Komite Nominasi dan Remunerasi meminta 2. Nomination and remuneration Committee
pihak independen untuk menyusun requests independent Parties to draft
rancangan remunerasi. remuneration plan.
3. Komite Nominasi dan Remunerasi 3. The nomination and remuneration committee
mengusulkan kepada Dewan Komisaris proposes to the Board of Commissioners
mengenai remunerasi. regarding remuneration.
Remunerasi Dewan Komisaris dan Direksi The remuneration of the Board of Commissioners
ditetapkan dengan Surat Keputusan Direksi No. and directors shall be determined by the decree of
1500/SK/DIR-CS/2018 tanggal 14 Desember the Board of Directors No. 1500/SK/DIR-CS/2018
2018 tentang Pedoman Penghasilan, Tunjangan dated December 14th, 2018 concerning the income
dan Fasilitas Dewan Komisaris dan Direksi guidelines, allowances and facilities of the Board
PT Bank Pembangunan Daerah Jawa Barat of Commissioners and directors of PT Bank
dan Banten Tbk. Adapun struktur remunerasi Pembangunan Jawa Barat and Banten Tbk. The
anggota Dewan Komisaris dan Direksi adalah remuneration structure of Board of Commissioners
sebagai berikut: and directors are presented as follows:
Honorarium/Gaji Honorarium/Salary Komisaris Utama 50% dari Direktur Utama President Commissioner 50% of President
Director
Tantiem Tantiem Ditentukan dalam Rapat Umum Specified in the general meeting of
Pemegang Saham Shareholders
Tantiem merupakan remunerasi yang Tantiem is a variable remuneration can
bersifat Variabel dapat diberikan dalam be given in the form of cash and/or stock
bentuk tunai dan /atau Saham Material Material Risk Takers on the beneficiary of the
Risk Takers atas penerima tantiem yang Tantiem stipulated by the Bank is the board
ditetapkan oleh Bank adalah Direksi of Directors Tantiem for Material Risk Takers
Tantiem untuk Material Risk Takers given the following proportions:
diberikan dengan proporsi sebagai
berikut:
1. 90% tunai dan diberikan secara 1. 1.90% cash and given directly according
langsung sesuai ketentuan to provisions
2. 10% ditangguhkan sebagai Long Term 2. 2.10% deferred as Long Term Incentive
Insentif terdiri dari 5% tunai dan 5% consists of 5% cash and 5% shares.
Saham.
Pemberian Long Term Insentif diberikan Long Term Incentive grants are awarded with
dengan jangka waktu penangguhan a suspension period of 3 (three) years.
selama 3 (tiga) tahun.
Malus terjadi apabila Material Risk Takers Malus occurs when the Material Risk Takers
terindikasi Fraud indicated Fraud
2. Fasilitas dan Tunjangan Facilities and Benefits
Fasilitas Kendaraan Vehicle facilities Disediakan Bank dan dapat dimiliki Bank provided and can be owned
Tunjangan Hari Raya Feast day allowance 2 (dua) kali honorarium/gaji 2 (two) times honorarium/Salary
Cuti dan Bekal Cuti Holiday and leave Bagi Direksi diberikan 1 (satu) kali gaji The BOD is awarded 1 (one) salary
Tunjangan Hari Tua Old Day allowance Bank mengikut sertakan Dewan Komisaris Bank in accordance with the BOC and
dan Direksi alam program Tunjangan the natural directors of the TuaBank Day
Hari Tua allowance program, including the Board of
Commissioners and Natural directors of the
old day allowance program
Tunjangan Pakaian Dinas Service clothes allowance Diberikan 1 (satu) tahun sekali Given 1 (one) year once
Uang Penghargaan Prize money Diberikan sesuai masa jabatan Awarded according to tenure
Perjalanan Dinas Travel Agency -- Bagi Dewan Komisaris Diberikan sebesar -- For the Board of Commissioners is
75% dari dinas Direksi. awarded 75% of the board of Directors.
-- Bagi Direksi diberikan uang saku -- For the Board of Directors is
perjalanan dinas, akomodasi dan given allowance for official travel,
transportasi sesuai ketentuan accommodation and transportation in
accordance
Manfaat Pensiun Money Travel Service Direktur diikutseratakan program pensiun Director included in retirement dues
iuran pasti program
Asuransi Jabatan Department Insurance Direktur Utama sebesar 70.000 USD dan President Director for 70,000 USD and for
bagi Dewan Komisaris sesuai formula gaji the Board of Commissioners pursuant to the
salary formula
Fasilitas Kesehatan dan Health and Medical Check Up Fasilitas kesehatan termasuk suami/istreri Health facilities including spouse and
Medical Check Up facilities dan anak dalam tanggungan maksimum children in the maximum liability of 3 (three)
3 (tiga) anak baik dalam negeri maupun children both domestically and abroad
luar negeri
Fasilitas Rumah Dinas dan Service House facilities and inns -- Bagi Dewan Komisaris disediakan -- For the Board of Commissioners are
Penginapan penginapan. provided lodging.
-- Bagi Direktur Utama sebesar -- For the President director of Rp
Rp20.000.000, dan Direktur sebesar 20,000,000. and director of Rp 15,000,000.
Rp15.000.000.
Fasilitas Komunikasi Communication facilities -- Bagi Dewan Komisaris 2 (dua) perangkat. -- For Board of Commissioners 2 (two)
-- Bagi Direksi 3 (tiga) perangkat. devices.
-- For Directors 3 (three) devices.
Insentif Prestasi Kerja Job Achievement Incentives Diberikan sesuai ketentuan Bank Provided in accordance with Bank
3. Bantuan Perlindungan Legal protection Assistance Diberikan sesuai plafon Awarded at cost
Hukum
Paket Remunerasi dan Fasilitas yang Remuneration Packages and Facilities Received By
Diterima oleh Dewan Komisaris dan Direksi The Board of Commissioners and Directors
Paket Remunerasi dan fasilitas yang diterima The remuneration package and the facilities
oleh Dewan Komisaris dan Direksi mencakup received by the Board of Commissioners and
struktur Remunerasi dan rincian jumlah directors include the remuneration structure and
nominal, sebagaimana dalam tabel di bawah ini: the details of the nominal amount, as in the table
below:
Remunerasi Dewan Komisaris dan Direksi The remuneration of the BOC and the BOD within
dalam satu tahun dikelompokkan dalam kisaran one year is grouped in the income range as follows.
tingkat penghasilan adalah sebagai berikut.
Jumlah Dewan
Jumlah Remunerasi per Total remuneration per person Komisaris Jumlah Direksi
orang dalam 1 (satu) tahun in 1 (one) year Number of Board of Number of Directors
Commissioners
Di atas Rp 2 Milyar Above Rp 2 billion 5 6
Di atas Rp 1 Milyar – Rp 2 Milyar Above Rp 1 billion – Rp 2 billion - -
Di atas Rp 500 Juta – Rp 1 Milyar Above Rp 500 million – Rp 1 billion - 3
Rp 500 Juta ke bawah Rp 500 million under 3 -
bank bjb selalu berupaya meningkatkan bank bjb always seeks to improve communication
komunikasi antara Kantor Akuntan Publik, between the public Accountant Office, Audit
Komite Audit dan Manajemen untuk dapat Committee Management to minimize the
meminimalisir kendala-kendala yang terjadi constraints that occurred during the audit process.
selama proses audit berlangsung. Agar proses In order for the audit process in accordance with
audit sesuai dengan Standar Profesional the professional standards of accountants as well
Akuntan serta perjanjian kerja dan ruang lingkup as the work agreement and scope of audit that has
audit yang telah ditetapkan dan selesai sesuai been established and completed in accordance
dengan target waktu yang telah ditetapkan, with the specified time target, regularly conducted
secara rutin dilakukan pertemuan-pertemuan meetings that discuss some Significant critical
yang membahas beberapa permasalahan issues.
penting yang signifikan.
Laporan keuangan wajib diaudit oleh Financial statements are required to be audited by
akuntan publik yang terdaftar di Otoritas Jasa a public accountant registered with the Financial
Keuangan. Penunjukan akuntan publik yang Services Authority. The designation of a public
akan memberikan jasa audit atas informasi accountant that will provide audit services of
keuangan historis tahunan wajib diputuskan annual historical financial information must be
oleh Rapat Umum Pemegang Saham dengan decided by the general meeting of shareholders by
mempertimbangkan usulan Dewan Komisaris. considering the Board of Commissioners proposal.
Penunjukan Kantor Akuntan Publik dan biaya The appointment of Public Accountant Office and
audit telah sesuai dengan keputusan RUPS audit fee has been in accordance with the decision
Tahunan dan merupakan Kantor akuntan of the AGM and is the office of public Accountant
Publik dan Akuntan Publik (partner in-charge) and public Accountant (partner in-charge)
yang terdaftar di Bank Indonesia. Penugasan registered in Bank Indonesia. Audit assignments
audit kepada Akuntan Publik dan KAP telah to public accountants and KAP have fulfilled the
memenuhi aspek-aspek: following aspects:
1. Kapasitas KAP. 1. KAP capacity.
2. Legalitas perjanjian kerja. 2. Legality of employment agreements.
3. Ruang lingkup audit. 3. Audit scope.
4. Standar Profesional Akuntan Publik. 4. Professional standards of public accountants.
5. Komunikasi antara KAP dengan pihak terkait. 5. Communication between the KAP and the
related parties.
Kantor Akuntan Publik, Nama Akuntan dan Public Accountant Office, Accountant Name and
Fee Periode 5 Tahun Terakhir Fee For Last 5 Years
Daftar Kantor Akuntan Publik, Nama Akuntan, List of public Accountant office, accountant name,
Fee dan Izin KAP Periode 5 (lima) tahun terakhir Fee and permission of KAP period 5 (five) last year
dapat dilihat pada tabel di bawah ini. can be seen in the table below.
Tabel Kantor Akuntan Publik, Nama Akuntan, Fee dan Izin KAP Periode 5 Tahun Terakhir
Table of Public Accountant Office, accountant name, Fee and permission of KAP period last 5 years
Selain memberikan jasa audit atas Laporan In addition to providing audit services to bank
Keuangan Konsolidasian bank bjb, Kantor bjb’s consolidated financial statements, the public
Akuntan Publik juga memberikan jasa lainya Accountant Office also provides another service
yaitu Review PSAK 71. Untuk fee jasa audit which is Review PSAK 71. For other audit services
lainnya sudah termasuk dalam fee audit Laporan fees are included in the audit fee of the company’s
Keuangan Konsolidasian Perseroan. consolidated financial statements.
Dalam penerapan manajemen risiko, bank bjb In the application of risk management, bank bjb
senantiasa patuh dan taat terhadap regulasi is always obedient and obedient to the prevailing
dan perundang-undangan yang berlaku di regulations and legislation in Indonesia with
Indonesia dengan mengacu pada: reference to:
1. Praturan OJK No.4/POJK.03/2016 tentang 1. OJK regulation No. 4/POJK.03/2016 On Health
Penilaian Tingkat Kesehatan Bank Umum. Level Assessment Of Commercial Banks.
2. Peraturan OJK No. 18/POJK.03/2016 dan 2. OJK regulation No. 18/POJK.03/2016 and
Surat Edaran OJK No.34/SOJK.03/2016 circular of OJK No. 34/SOJK.03/2016 on
tentang Penerapan Manajemen Risiko Bagi The Application Of Risk Management For
Bank Umum. Commercial Banks.
3. Surat Edaran OJK No. 34/SEOJK.03/2016 3. Circular letter of OJK No. 34/SEOJK.03/2016
tentang Penerapan Manajemen Risiko Bagi concerning The Implementation of Risk
Bank Umum. Management for Commercial Banks.
4. Peraturan OJK No. 38/POJK.03/2017 tentang 4. OJK regulation No. 38/POJK.03/2017 on
Penerapan Manajemen Risiko Secara The Implementation of Consolidated Risk
Konsolidasi Bagi Bank yang Melakukan Management for Banks Controlling for
Pengendalian Terhadap Perusahaan Anak. Subsidiaries.
5. Surat Edaran OJK No. 43/SEOJK.03/2017 5. Circular letter of OJK No. 43/SEOJK.03/2017 on
tentang Prinsip Kehati-hatian dan Laporan The Principles of Prudence and Report in Order
Dalam Rangka Penerapan Manajemen To Consolidate Risk Management for The Bank
Risiko Secara Konsolidasi Bagi Bank Controlling The Child’s Company.
yang Melakukan Pengendalian Terhadap
Perusahaan Anak.
6. Peraturan OJK No. 17/POJK.03/2014 tentang 6. OJK regulation No. 17/POJK.03/2014 On
Penerapan Manajemen Risiko Terintegrasi The Implementation of Integrated Risk
Bagi Konglomerasi Keuangan. Management for Financial Conglomerations.
7. Surat Edaran OJK No. 14/SEOJK.03/2015 7. OJK Circular letter No. 14/SEOJK.03/2015
tentang Penerapan Manajemen Risiko concerning The Implementation of
Terintegrasi Bagi Konglomerasi Keuangan. Integrated Risk Management for Financial
Conglomerations.
Sistem manajemen risiko yang efektif An effective risk management system is one of the
merupakan salah satu komponen yang penting essential components of Bank management
dalam manajemen bank dan landasan untuk and the foundation for running a healthy, safe
menjalankan organisasi bank dengan sehat, and well-organized bank organization. Risk
aman dan baik. Sistem manajemen risiko management system will direct the activity to the
akan mengarahkan aktivitas pada misi dan mission and objectives of the Bank that have been
tujuan Bank yang sudah ditetapkan, yaitu established, namely to achieve the long-term profit
untuk mencapai target laba jangka panjang target that continues to increase and continuously,
yang terus meningkat dan berkesinambungan, and increase the allocation of capital optimally
serta meningkatkan alokasi permodalan secara that supports Healthy operational activities. The
optimal yang mendukung aktivitas operasional system will assist management in monitoring the
yang sehat. Sistem dimaksud akan membantu provisions and applicable laws, policies, plans,
manajemen dalam melakukan pemantauan provisions and internal procedures. In addition, the
terhadap ketentuan dan hukum yang berlaku, risk management system can also reduce systemic
kebijakan, rencana, ketentuan serta prosedur risk (caused risk) which can harm the bank either
internal. Di samping itu, sistem manajemen materially or immaterial. In realizing effective
risiko juga dapat mengurangi risiko sistemik implementation of risk management, bank bjb
(systemic risk) yang dapat merugikan bank baik adopted the Three Lines of Defense approach as a
secara material maupun immaterial. Dalam multi-layered defense mechanism to manage and
mewujudkan penerapan manajemen risiko implement a risk management framework, namely:
yang efektif, bank bjb menerapkan pendekatan
Three Lines of Defense sebagai mekanisme
pertahanan secara berlapis untuk mengelola
dan menerapkan kerangka kerja manajemen
risiko, yakni:
1. Pertahanan Tingkat Pertama 1. First Level defence
Risk Taking Unit berperan sebagai pertahanan The risk Taking Unit acts as a first-rate defence
tingkat pertama dan bertanggung jawab and is responsible for identifying, evaluating,
untuk mengidentifikasi, mengevaluasi, controlling and mitigate risks in operational
mengendalikan dan memitigasi risiko activity. Risk Taking Unit has the main
dalam aktivitas operasional. Risk taking Unit responsibility for managing risk exposure in
memiliki tanggung jawab yang utama atas daily activities.
pengelolaan eksposur risiko dalam aktivitas
sehari – hari.
2. Pertahanan Tingkat Kedua 2. Second Level defence
Satuan Kerja Manajemen Risiko (SKMR) The Risk Management Unit (SKMR) serves as
berperan sebagai unit kunci dalam the key unit in providing second-level defense
memberikan pertahahan tingkat kedua through an independent monitoring function.
melalui fungsi pemantauan yang SKMR has reviewed the completeness and
independen. SKMR telah melakukan accuracy of identification, measurement,
review atas kelengkapan dan keakuratan monitoring, control and risk reporting, and for
identifikasi, pengukuran, pemantauan, the adequacy of mitigation scenarios proposed
pengendalian dan pelaporan risiko, serta by the Operational working unit.
atas kecukupan skenario mitigasi yang
diusulkan oleh unit kerja operasional.
3. Pertahanan Tingkat Ketiga 3. Third Level defence
Fungsi Internal Audit melakukan penilaian The Internal Audit function performs assessment
terhadap kecukupan kebijakan, strategi dan of policy adequacy, strategy and risk
kerangka Manajemen Risiko serta efektivitas management framework and effectiveness of
pengendalian internal dalam rangka internal control in order to provide independent
memberikan Assurance yang independen and objective assurance.
dan objektif.
Penetapan Risk Appetite, Risk Tolerance dan Risk Determination of Risk Appetite, Risk Tolerance and
Limit Risk Limit
Dalam mencapai strategi dan target bank bjb In achieving the strategy and target bank bjb
wajibkan menentukan sejumlah risiko yakni require determining a number of risks that the
bank bersedia untuk menerimanya dalam bank is willing to accept in order to maximize the
keselarasan tujuan guna memaksimalkan nilai value of shareholder (Risk Appetite), a number of
setiap produk dan aktivitas yang • Melakukan pengukuran eksposur struktur organisasi, alokasi
disertai dengan pengendalian risiko dan stress testing atas sumber daya, desain proses
risiko yang memadai portofolio atau kineja Bank secara Manajemen Risiko, sistem
• Melaporkan informasi mengenai keseluruhan informasi dan pelaporan risiko
eksposur risiko kepada SKMR • Memantau eksposur risiko secara Bank
• Menjalankan risk self-assessment keseluruhan, serta toleransi risiko • Melakukan pemantauan terhadap
dengan akurat dan tepat waktu dan limit risiko yang ditetapkan perbaikan atas hasil temuan
• Menerapkan budaya sadar risiko • Menyusun dan menyapaikan audit intern terkait penerapan
dan keputusan berbasis risiko laporan profil Risiko Manajemen Risiko
yang berkelanjutan
• Develop a framework for • Reviewing and evaluating risk
• Risk decision making in accordance determining risk appetite & risk appetite and risk tolerance
with predetermined risk appetite & tolerance • Carry out a review of the
risk tolerance • Develop risk management reliability of the Risk Management
• Submit the proposal to determine policies, methodologies and risk framework which includes policies,
risk limits through SKMR measurement tools organizational structure, resource
• Identifying the risks in each product • Measuring risk exposure and stress allocation, risk management process
and activity accompanied by testing of the Bank’s portfolio or design, information systems and risk
adequate risk control performance as a whole reporting of the Bank
• Report information about risk • Monitor overall risk exposure, • Monitor the improvement of
exposures to SKMR as well as risk tolerance and internal audit findings related to the
• Carry out risk self-assessments established risk limits application of Risk Management
accurately and on time • Prepare and address Risk profile
• Implement a risk awareness culture reports
and sustainable risk-based decisions
kepada shareholder (Risk Appetite), sejumlah maximum risks that can be received related With
risiko maksimum yang dapat diterima terkait each risk taking set (Risk Tolerance), and risk limit
dengan setiap pengambilan risiko yang which is the operational level of risk tolerance to
ditetapkan (Risk Tolerance), dan limit risiko yang the bank’s business activity (Risk Limit).
merupakan tingkatan operasional dari toleransi
risiko pada aktivitas bisnis bank (Risk Limit).
Penetapan Risk Appetite, Risk Tolerance, dan Setting Risk Appetite, Risk Tolerance, and Risk Limit
Risk Limit harus dapat mengakomodir tujuan should be able to accommodate the objectives
seluruh stakeholder bank yang meliputi of all bank stakeholders including regulators,
Regulator, Pemegang Saham, Investor, Direksi, shareholders, investors, directors, employees,
Karyawan, maupun Nasabah. Adapun tujuan and customers. The objectives of the stakeholders
dari stakeholder meliputi pemenuhan atas include fulfillment of the aspects of compliance,
aspek Kepatuhan, Risiko, Permodalan, Return, risk, capital, Return, and sustainable growth.
maupun pertumbuhan yang berkelanjutan. Given its thorough nature, the determination and
Mengingat sifatnya yang menyeluruh, maka management of Risk Appetite, Risk Tolerance, and
penetapan dan pengelolaan Risk Appetite, Risk Risk Limit requires a joint commitment of all bank
Tolerance, dan Risk Limit memerlukan komitmen bjb lines.
bersama seluruh lini bank bjb.
Risk Appetite, Risk Tolerance, dan Risk Limit yang Risk Appetite, Risk Tolerance, and Risk Limit that
telah ditetapkan oleh bank bertujuan untuk have been set by the bank aims to support the
menunjang pencapaian strategi bisnis bank achievement of Bank business strategy with an
dengan tingkat risiko yang dapat diterima. Dalam acceptable level of risk. In the implementation,
implementasinya, akan dilakukan pemantauan monitoring will be conducted periodically on
secara berkala atas tingkat eksposur risiko aktual the level of actual risk exposure to the position
terhadap posisi pencapaian strategi bisnis bank. of achievement of the bank’s business strategy.
Adapun aspek tata kelola (governance) terdiri Aspects of governance consist of three aspects
dari tiga aspek, antara lain: namely:
1. Strategic Level 1. Strategic Level
Strategic Level merupakan jenjang The Strategic Level is a level of authority
kewenangan yang melekat pada Direksi attached to the Board of directors through
melalui Komite Manajemen Risiko. Direksi the Risk Management Committee. The Board
berwenang menentukan selera risiko yang of Directors is authorized to determine risk
diinginkan (Risk Appetite) selaras dengan appetite in accordance with the bank’s business
strategi bisnis bank. Disamping itu, Direksi strategy. In addition, the Board of Directors
juga berwenang untuk memberikan is also authorized to give approval for the
persetujuan atas besaran nilai Risk Tolerance magnitude of Risk Tolerance and Risk Limit
dan nilai Risk Limit dengan merujuk pada value by referring to the specified Risk Appetite.
Risk Appetite yang telah ditentukan.
2. Tactical Level 2. Tactical Level
Pengelolaan Risk Appetite, Risk Tolerance, Risk Appetite Management, Risk Tolerance, and
dan Risk Limit pada jenjang Tactical Level Risk Limit in the Tactical Level are the authority
merupakan kewenangan Divisi Manajemen of the Risks Management division. Developing
Risiko. Mengembangkan metodologi Risk risk tolerance methodology for each bankwide
Tolerance untuk setiap jenis risiko secara risk type.
bankwide.
3. Operational Level 3. Operational Level
Operational Level merupakan kewenangan Operational Level is the authority and is
dan dibentuk oleh setiap Risk taking formed by each Risk Taking Unit where the
Unit dimana perannya adalah dalam role is to determine the magnitude of Risk
menentukan besaran Risk Limit yang dapat Limit acceptable and the result is coordinated
diterima dan hasilnya dikoordinasikan with the risk Management division. The risk
dengan Divisi Manajemen Risiko. Besaran Limit is proposed, hereinafter presented to
Risk Limit yang diusulkan, selanjutnya the Risks Management Division for review
disampaikan kepada Divisi Manajemen regarding calculation method and in order
Risiko untuk dilakukan review terkait metode to synchronize with Risk Tolerance and Risk
perhitungan serta dalam rangka melakukan Appetite calculation.
sinkronisasi dengan hasil perhitungan Risk
Tolerance maupun Risk Appetite.
Terdapat 8 (delapan) jenis risiko yang dihadapi There are 8 (eight) types of risks faced by bank bjb
bank bjb dan harus dikelola dengan baik. and must be managed properly. These eight types
Kedelapan jenis risiko tersebut disebut inheren of risks are called inherently risk which include
Risk yang meliputi risiko kredit, risiko likuiditas, credit risk, liquidity risk, market risk, operational
risiko pasar, risiko operasional, risiko stratejik, risk, strategic risk, compliance risk, legal risk and
risiko kepatuhan, risiko hukum dan risiko reputational risk. The explanations of these risks
reputasi. Adapun penjelasan mengenai risiko- and management efforts are as follows:
risiko tersebut dan upaya pengelolaannya
adalah sebagai berikut:
Risiko kredit adalah risiko kerugian akibat Credit risk is the risk of loss due to failure by other
kegagalan pihak lain dalam memenuhi parties to fulfill its obligations. Included in credit
kewajibannya. Termasuk dalam risiko kredit risk, i.e. risk due to debtor’s failure, credit risk
yaitu risiko akibat kegagalan debitur, risiko due to concentrating the provision of funds (risk
kredit akibat terkonsentrasinya penyediaan of credit concentration), credit risk due to other
dana (risiko konsentrasi kredit), risiko kredit (counterparty credit risk) failure, credit risk due
akibat kegagalan pihak lain (counterparty credit to failure Settlement risk, and credit risk due to
Risk), risiko kredit akibat kegagalan settlement country risk. Regarding the process of identifying,
(settlement Risk), dan risiko kredit akibat Country measuring, monitoring, and controlling credit risk,
Risk. Terkait proses identifikasi, pengukuran, bank bjb has done the following things:
pemantauan, dan pengendalian risiko kredit,
bank bjb telah melakukan hal-hal sebagai
berikut:
1. Bank secara berkala melakukan analisa 1. The bank periodically conducts a thorough
menyeluruh atas aspek internal dan analysis of internal and external aspects of the
eksternal bank melalui Root Cause of Credit bank through the Root Cause of Credit Risk
Risk (RCCR) yang berisi analisa penyebab (RCCR) which contains the analysis of the cause
penurunan kolektibilitas debitur yang of the borrower’s collectibility decrease in the
berdampak pada timbulnya Non Performing occurrence of Non Performing Loan (NPL).
Loan (NPL).
2. The Bank performs the calculation of Stress
1. Bank melakukan perhitungan Stress Test 1. Test of credit risk submitted to the Director of
Risiko Kredit yang disampaikan kepada compliance and risk management. Beside that,
Direktur Kepatuhan dan Manajemen the bank has compiled Bottom Up Stress Test
Risiko. Disamping itu bank telah menyusun (BUST) which is presented to OJK as part of
analisa Bottom Up Stress Test (BUST) yang implementation of Financial Sector Assessment
disampaikan kepada OJK sebagai bagian Program (FSAP). The stress test implementation
dari pelaksanaan Financial Sector Assessment is carried out with a portfolio level approach
Program (FSAP). Pelaksanaan Stress Test and aims to calculate the influence of the
dilakukan dengan pendekatan portfolio macroeconomic shock condition to increase
level dan bertujuan untuk menghitung the NPL in Bankwide. Implementation of
pengaruh kondisi shock makro ekonomi calculations using satellite models that include
terhadap peningkatan NPL secara bankwide. both productive credit and non-productive
Pelaksanaan perhitungan menggunakan credit in all sectors of the economy. The Satellite
satellite model yang meliputi baik kredit model is a multiple regression calculation
produktif maupun kredit non-produktif that connects the macroeconomic conditions
pada seluruh sektor ekonomi. Satellite model as independent variables and the NPL as the
tersebut merupakan perhitungan regresi dependent variables.
multiple yang menghubungkan kondisi
makro ekonomi sebagai independent variable
dan NPL sebagai independent variable. 2. Further compiled reports on the progress of
2. Selanjutnya secara berkala disusun laporan credit risk exposure that are arranged in order
perkembangan eksposur risiko kredit yang to mitigate risk and as an effort to repair
disusun dalam rangka mitigasi risiko dan immediately according to the development of
sebagai upaya perbaikan segera sesuai risk level. Monitoring of the quality of credit
perkembangan tingkat risiko. Pemantauan portfolio reported periodically to the board of
atas kualitas portofolio kredit yang directors through the following matters:
dilaporkan secara berkala kepada Direksi a. Periodic Review and evaluation through
melalui hal-hal sebagai berikut: the implementation of the business Review
a. Review dan evaluasi berkala melalui including the discussion on the position and
pelaksanaan business review termasuk quality of the credit portfolio.
diantaranya pembahasan mengenai b. Review of the potential risks in the crediting
posisi serta kualitas portofolio kredit. activity that is reported independently by
a. Kaji ulang atas potensi risiko dalam the risk management Unit
aktivitas perkreditan yang dilaporkan
secara independen oleh Satuan Kerja
Manajemen Risiko.
Risiko pasar adalah risiko pada posisi neraca Market risk is at the risk of balance sheet and
dan rekening administratif termasuk transaksi administrative account positions including
derivatif, akibat perubahan secara keseluruhan derivative transactions, due to the overall change of
dari konsisi pasar, termasuk risiko perubahan market concision, including the risk of option price
harga option. Adapun upaya pengelolaan Risiko changes. The bank bjb’s market risk management
Pasar yang telah dilakukan bank bjb adalah efforts are as follows:
sebagai berikut:
1. Bank telah memiliki prosedur dan 1. The Bank has had procedures and identification
identifikasi risiko suku bunga banking book of interest rate banking book which is
yang didukung oleh sistem informasi yang supported by a very adequate information
system and the
1. sangat memadai dan adanya pelaporan 1. daily reporting of exchange rate movements,
secara harian mengenai pergerakan nilai interest rates, and other market information to
tukar, suku bunga, dan informasi pasar the Board of Directors including over limit.
lainnya ke Direksi termasuk over limit.
2. Bank telah memiliki Risk Appetite, Risk 2. The Bank has had risk appetite, risk tolerance
Tolerance dan Risk limit untuk parameter and risk limit for the market risk parameters
risiko pasar yang ditetapkan oleh Dewan established by the Board of Commissioners
Komisaris dan Direksi. and Board of Directors.
3. Bank melakukan proses review atau validasi 3. The Bank performs a review or validation of the
model pengukuran risiko pasar yang market risk measurement model conducted
dilakukan secara berkala melalui back testing periodically through the back testing with the
dengan model pengukurannya masih valid size of the model is still valid according to the
sesuai hasil back testing. Adapun mengenai results of back testing. As for the validation
validasi dan back testing tersebut disusun and back testing is compiled in the form of VaR
dalam bentuk laporan VaR (Value at Risk) (Value at Risk) and model validation.
dan validasi model.
4. Bank memiliki prosedur pemantauan 4. The Bank has daily limit monitoring procedures
limit secara harian sebagai standarisasi as a standardized monitoring of the risk
pemantauan Divisi Manajemen Risiko management division of the Dealing Room
terhadap aktivitas Dealing Room Treasury Treasury activities including follow-up to the
termasuk tindak lanjut yang akan dilakukan risk taking unit in the event of a disappearance
oleh risk taking unit apabila terjadi and reported to the board of directors.
pelampauan dan dilaporkan kepada Direksi.
5. Bank melakukan pengendalian risiko 5. The Bank conducts the control of market risk
pasar melalui Monitoring terhadap kontrak through monitoring of transaction contracts
transaksi dan penilaian kembali kredibilitas and revaluation of counterparty credibility on
counterparty secara harian dan dipantau a daily basis and monitored by experienced
oleh dedicated person yang berpengalaman dedicated person later in the determination of
kemudian dalam penetapan limit counterparty limit Other work units that are
counterparty dilakukan oleh unit kerja lain independent of the business work unit so that
yang independen dari unit kerja bisnis the limitation of the determination process
sehingga proses penetapan limitnya involves 4 (four) Eyes principle.
melibatkan 4 (four) eyes principle.
6. Sebagai upaya meningkatkan informasi atas 6. As an effort to improve the information on
eksposur risiko pasar yang dihadapi bank, market risk exposures faced by banks, related
unit kerja terkait telah melaporkan eksposur work units have reported market risk exposures
risiko pasar baik secara harian (utilisasi either daily (Treasury utilization), weekly
treasury), mingguan (treasury utilization (Treasury Utilization Report), Monthly (Analysis
report), bulanan (analisis pengukuran risiko of market and liquidity risk measurement),
pasar dan likuiditas), semesteran (market semiannual (Market risk stress test), to the
Risk stress test), kepada Direksi dan pejabat Board of directors and executive officials so
eksekutif sehingga diharapkan adanya hopefully there is a follow up to improvement
tindak lanjut perbaikan dan proses mitigasi and mitigation process to minimize potential
untuk meminimalisir potensi risiko yang risks.
akan datang.
7. Bank telah memiliki Komite ALCO sebagai 7. The Bank has had the ALCO committee as an
perangkat organisasi dalam mendukung organizational device in support of effective
manajemen risiko pasar yang efektif. market risk management.
8. Dalam proses pengukuran, pemantauan 8. In the process of measuring, monitoring
yang dilakukan satuan kerja manajemen conducted by the Risk Management unit
1. risiko melalui pelaporan atas aktivitas Unit 1. through reporting on the activity of Trisuri
Kerja Tresury masih dilakukan secara work units is still done manually and not
manual dan belum tersistem namun yet been installed but consider the exposure
demikian mempertimbangkan eksposur of uncomplicated bank transactions, the
transaksi bank yang belum kompleks, potential risk faced by banks can still be
potensi risiko yang dihadapi bank masih mitigated properly.
dapat termitigasi dengan baik.
2. Terdapat proses mark to market secara 2. There is a daily mark to market process of bank
harian terhadap transaksi trading bank trading transactions to determine the loss/
untuk mengetahui kerugian/keuntungan profit of banks and banks also have methods
bank dan bank pun memiliki metode in its mark to market process including the
dalam proses mark to market-nya termasuk calculation of internal model valuation and
perhitungan valuasi model internal serta contingency plan procedures in its mark to
prosedur contingency plan dalam proses market process in case of normal outside
mark to market-nya apabila terjadi kondisi di conditions carried out by the working unit.
luar normal yang dilakukan oleh unit kerja
terkait
Risiko likuiditas adalah risiko akibat Liquidity risk is the risk caused by the Bank’s
ketidakmampuan Bank untuk memenuhi inability to fulfill the due liabilities of the cash flow
kewajiban yang jatuh tempo dari sumber funding source and/or from high-quality liquid
pendanaan arus kas dan/atau dari asset likui assets that can be aggregated without disrupting
berkualitas tinggi yang dapat diagunkan tanpa the Bank’s financial activities and conditions. The
mengganggu aktivitas dan kondisi keuangan bank bjb’s liquidity risk management efforts are as
Bank. Adapun upaya pengelolaan Risiko follows:
Likuiditas yang telah dilakukan bank bjb adalah
sebagai berikut:
1. Bank melakukan analisis terhadap seluruh 1. The Bank conducts analysis of all sources of
sumber risiko likuiditas baik dari sisi internal liquidity risk both from internal and external
maupun eksternal seperti produk dan side such as products and banking activities
aktifitas perbankan yang mempengaruhi that affect the source of the comprehensive
sumber penggunaan dana secara use of funds, adequacy of funding through
komprehensif, kecukupan pendanaan the market, and others and risk analysis is
melalui pasar, dan lainnya serta analisis supported by adequate information systems
risiko didukung dengan sistem informasi and adequacy of data.
dan kecukupan data yang memadai.
2. Bank telah memiliki Risk Appetite, Risk 2. The Bank has had risk appetite, risk tolerance
Tolerance dan Risk limit untuk parameter and risk limit for the market risk parameters
risiko pasar yang ditetapkan oleh Dewan established by the Board of Commissioners
Komisaris dan Direksi. and Board of Directors.
3. Bank telah memiliki alat pengukuran yang 3. The Bank has a measurement tool that can
dapat mengkuantifikasi dan mengidentifikasi quantify and identify the liquidity risk in a
risiko likuiditas secara tepat waktu dan timely and comprehensive manner based on
komprehensif berdasarkan indikator internal internal and external indicators in the form
dan eksternal dalam early warning indicator of an early warning indicator measurement
berupa pengukuran untuk mengukur risiko to measure the risk is inherently about
inheren mengenai komposisi pendanaan, funding composition, liquidity ratio, cash flow
rasio likuiditas, proyeksi arus kas, liquidity projection, liquidity gap, scenario analysis, and
gap, scenario analysis, dan stress testing. stress testing.
1. Bank telah mengembangkan Early Warning 1. Bank has developed an Early Warning
Indicator risiko likuiditas yang merupakan Indicator liquidity risk which is an indicator
indikator yang digunakan untuk memprediksi used to predict potential future liquidity crisis
potensi krisis likuiditas di masa datang as a form of identification, measurement, and
sebagai bentuk identifikasi, pengukuran, monitoring of liquidity risk on a daily basis that
dan pemantauan risiko likuiditas secara aims to mitigate early when there is potential
harian yang bertujuan untuk memitigasi liquidity crisis in the future.
sejak dini apabila ada potensi krisis likuiditas
di kemudian hari.
2. Bank melakukan pemantauan limit secara 2. The Bank performs daily limit monitoring such
harian seperti limit GWM Primer, Sekunder as GWM primary, secondary and excess reserve
dan excess reserve dan (AL+NAB)/NCD and (AL + NAB)/NCD limits to the threshold set
terhadap threshold yang telah ditetapkan by regulators including follow-up that will be
oleh regulator termasuk tindak lanjut yang performed by the risk taking unit in the event
akan dilakukan oleh risk taking unit apabila of a breach and reported to the Board of
terjadi pelampauan dan dilaporkan kepada Directors.
Direksi.
3. Bank telah memiliki prosedur dalam 3. The bank has had procedures in regards to
hal rencana pendanaan darurat ketika emergency financing plans when the bank
bank menghadapi kondisi krisis likuiditas faces the liquidity crisis (contingency funding
(contingency funding plan/CFP) serta bank plan) as well as the bank has conducted a CFP-
telah melakukan skenario uji coba CFP- framework test scenario in case of the later
framework apabila terjadi krisis likuiditas liquidity crisis.
dikemudian hari.
4. Bank telah melakukan perhitungan Basel 4. Bank has done the calculation of Basel III
III terkait risiko likuiditas yaitu perhitungan related to liquidity risk, namely the calculation
Net Stable Funding Ratio (NSFR) dan Liquidity of Net Stable Funding Ratio (NSFR) and
Coverage Ratio (LCR). Liquidity Coverage Ratio (LCR).
Risiko operasional adalah risiko akibat Operational risk is the risk due to inadequacy and/
ketidakcukupan dan/atau tidak berfungsinya or malfunction of internal processes, human error,
proses internal, kesalahan manusia, kegagalan system failure, and/or the presence of external
sistem, dan/atau adanya kejadian-kejadian events affecting the operation of the Bank. The
eksternal yang mempengaruhi operasional operational risk management efforts that have
Bank. Adapun upaya pengelolaan Risiko been done by bank bjb are as follows.
Operasional yang telah dilakukan bank bjb
adalah sebagai berikut.
1. Bank berupaya untuk melakukan 1. Bank seeks to improve the bussiness process
penyempurnaan bussiness process terutama especially for crediting activities. This is evident
untuk aktivitas perkreditan. Hal tersebut from the implementation of the business
terlihat dari penerapan model bisnis model by involving several functions such as
dengan melibatkan beberapa fungsi seperti Relationship Manager, Relationship Officer and
Relationship Manager, Relationship officer Account Officer and has been accommodated
dan Account officer dan telah diakomodir in the organizational structure and there are
dalam Struktur Organisasi serta terdapat several reviews of working procedures To
beberapa review atas prosedur kerja dalam support a reliable risk management process.
rangka mendukung proses manajemen
risiko yang handal.
1. Bank melakukan upaya untuk mengurangi 1. Bank make efforts to reduce the concentration
konsentrasi komposisi pegawai pada of employee composition at the level of
level klerikal dengan melakukan program clerical by conducting employee development
pengembangan karyawan diantaranya program including through the program Staff
melalui program Staff Development Program. Development Program.
2. Bank senantiasa melakukan peningkatan 2. Bank always improve the quality of human
kualitas SDM khususnya pada aktivitas resources, especially in the main business
bisnis utama bank yaitu perkreditan dengan activities of the bank, namely crediting by
memberikan pendidikan & pelatihan kepada providing education & training to employees.
pegawai.
3. Risk taking unit senantiasa melakukan risk 3. Risk Taking unit always risk assessment of
assessment atas pengembangan Produk product development and new activity in order
dan Aktivitas Baru dalam rangka melakukan to implement risk management therein.
penerapan manajemen risiko didalamnya.
4. Bank melakukan proses pengukuran risiko 4. Bank conducting operational risk
operasional dilakukan secara berkala melalui measurement process is done periodically
perangkat pengukuran risiko operasional through operational risk measurement device
diantaranya risk control self assessment, key including risk control self assessment, key risk
risk indicator, laporan data kerugian risiko indicator, data operational risk loss report
operasional pada masing-masing unit kerja in each unit Working and measurement
serta pengukuran profil risiko operasional of bankwide operational risk profiles are
bankwide yang dilakukan secara periodik. conducted periodically. The result of analysis
Adapun hasil analisa atas penilaian risiko of the operational risk assessment is reported
operasional tersebut dilaporkan kepada to management conducted periodically such
pihak manajemen yang dilakukan secara as monthly report reporting.
berkala seperti pelaporan monthly report.
5. Dalam menjaga kepentingan bank dan 5. In safeguarding bank interests and disciplinary
penegakan disiplin, Bank telah melaksanakan enforcement, the Bank has implemented
pedoman sanksi disiplin dengan cukup disciplinary sanctions guidelines effectively
efektif termasuk dalam pengenaan sistem included in the imposition of personnel
sanksi kepegawaian. sanctions systems.
Risiko hukum adalah risiko akibat tuntutan Legal risk is the risk of lawsuits and/or weaknesses
hukum dan/atau kelemahan aspek yuridis. of juridical aspects. bank bjb through the legal
bank bjb melalui unit kerja hukum senantiasa work unit always conduct the handling of legal
melakukan penanganan atas kasus hukum yang cases that occur, either done by the Bank directly
terjadi, baik yang dilakukan oleh Bank secara or using the services of legal consultants at the
langsung maupun menggunakan jasa konsultan request of risk taking unit. The company’s efforts
hukum atas permintaan risk taking unit. Upaya to manage legal risk are:
yang dilakukan Perseroan dalam mengelola
Risiko hukum yaitu:
1. Unit kerja hukum melakukan pembinaan 1. Unit of legal work in the field of legal
dalam bidang hukum secara berkala melalui development periodically through the process
proses pendampingan perkara hukum, of mentoring the law, legal session to the
legal session kepada risk taking unit dengan risk taking Unit with the discussion of legal
pembahasan permasalahan-permasalahan issues encountered in the branch office, and
hukum yang dihadapi pada kantor cabang, implement of cooperation agreements to be
Risiko stratejik adalah risiko akibat A Strategic risk is the risk of imprecision in the
ketidaktepatan dalam pengambilan dan/atau retrieval and/or execution of a strategic decision
pelaksanaan suatu keputusan stratejik serta and failure to anticipate changes in the business
kegagalan dalam mengantisipasi perubahan environment. Management of the Strategic risk
lingkungan bisnis. Pengelolaan risiko stratejik conducted by bank bjb is as follows:
yang dilakukan bank bjb adalah sebagai berikut:
1. Bank secara berkala melakukan pengukuran 1. The bank periodically conducts a strategic risk
risiko stratejik melalui pemantauan atas measurement through the monitoring progress
progress report pencapaian rencana bisnis report on the achievement of the bank’s
bank serta melakukan business review atas business plan as well as conducting business
perkembangan bisnis bank. review of Bank’s business development.
2. Pencapaian atas bisnis bank tersebut 2. The achievement of the bank’s business is
dibahas dan dilaporkan kepada pihak discussed and reported to the management
manajemen yang dilakukan secara berkala conducted periodically, including to the
termasuk kepada komite yang berada di Committee under the Board of Commissioners.
bawah Dewan Komisaris.
3. Bank senantiasa melakukan Monitoring atas 3. Bank always monitoring the performance of
kinerja kantor cabang. branch offices.
4. Bank melakukan beberapa upaya dan 4. The Bank made several efforts and strategies
strategi yaitu optimalisasi dalam upaya that are optimization in the effort to settle
penyelesaian kredit bermasalah dengan the problematic credit by conducting billing,
melakukan penagihan, klaim asuransi dan insurance claims and collateral execution,
eksekusi agunan, melakukan peningkatan doing increased CASA funds.
dana CASA.
1. Bank melakukan evaluasi serta sosialisasi 1. The Bank conducts evaluation and
kepada seluruh unit kerja tentang target dissemination to all work units on the target
bisnis bank. Bank’s business.
2. Bank melakukan peningkatan kerjasama 2. Bank to improve service cooperation with
layanan dengan operator/instansi/lembaga other operator/agency/institution in order
lain dalam rangka meningkatkan fee based to increase fee based or additional profit for
atau keuntungan tambahan bagi Bank. Bank.
Risiko kepatuhan adalah risiko akibat Bank Compliance risk is the risk due to the Bank
tidak mematuhi dan/atau tidak melaksanakan not complying with and/or not implementing
peraturan perundang-undangan dan legislation and provisions. bank bjb’s compliance
ketentuan. Upaya pengelolaan risiko kepatuhan management efforts are as follows:
yang dilakukan bank bjb adalah sebagai berikut:
1. Proses identifikasi, pengukuran, 1. The process of identification, measurement,
pengendalian serta pemantauan melalui control and monitoring through the
penerapan compliance sheet, compliance application of compliance sheet, compliance
checklist dan terdapat pula pelaporan secara checklist and there is also routine reporting 3
rutin 3 (tiga) bulan sekali dalam bentuk profil (three) months in the form of a risk compliance
risiko kepatuhan serta adanya pemantauan profile as well as the monitoring and Reporting
dan pelaporan mengenai tingkat on the level of completion of inspection objects
penyelesaian atas objek pemeriksaan oleh by regulators. In addition, there are provisions
regulator. Selain itu adanya ketentuan atas on the submission of a report of routine
penyampaian Laporan Rapat Rutin yang meetings conducted at least 1 (one) time in 1
dilaksanakan sekurang-kurangnya 1 (satu) (one) month with the material delivered is as
kali dalam 1 (satu) bulan dengan materi follows:
yang sampaikan adalah sebagai berikut:
a. Pembahasan ketentuan yang berlaku a. Discussion of the prevailing provisions in the
dalam lingkup masing-masing bidang scope of each field of work.
kerja.
b. Pemantauan pengisian Compliance b. Monitoring of QA Compliance Checklist
Checklist QA dan pelaksanaan deskripsi and implementation of job descriptions
pekerjaan yang terkait dengan bidang associated with the field of duty.
tugasnya. c. Discussion of issues arising in each unit of
c. Pembahasan permasalahan-permasalahan work.
yang timbul di setiap unit kerja masing-
masing.
2. Adanya pemantauan maupun pencatatan 2. Monitoring or recording related to compliance
terkait risiko kepatuhan oleh Unit Kerja risk by the compliance work Unit is still not
Kepatuhan walaupun masih belum comprehensive for violations of internal
menyeluruh terhadap pelanggaran provisions. It is still limited to monitoring
ketentuan internal. Hal tersebut masih the Prudence Principles, bank reporting and
terbatas kepada pemantauan prinsip kehati- the assessment of compliance aspects and
hatian, pelaporan bank dan pengkajian reported through the implementation of the
aspek kepatuhan dan dilaporkan melalui duties and responsibilities of the Director of
Pelaksanaan Tugas dan Tanggung Jawab compliance and risk management.
Direktur Kepatuhan dan Manajemen Risiko.
Risiko reputasi adalah risiko akibat menurunnya Reputational risk is the risk due to declining
tingkat kepercayaan pemangku kepentingan stakeholder confidence level (stakeholders) that are
(stakeholder) yang bersumber dari persepsi sourced from negative perception to the Bank. The
negative terhadap Bank. Upaya pengelolaan bank bjb’s reputation for management efforts is as
Risko reputasi yang dilakukan bank bjb adalah follows.
sebagai berikut.
1. Identifikasi serta pengukuran risiko reputasi 1. The identification and measurement of
dilakukan secara berkala yaitu melalui reputational risk is carried out periodically
pemantauan terhadap keluhan nasabah through the monitoring of customer complaints
baik melalui call center dan/atau frontliner. through call centers and/or frontliners.
2. Bank melakukan penatausahaan setiap 2. The bank conducts the administration of each
adanya pemberitaan negatif dalam Laporan of the negative reports in the monitoring media
Media Monitoring yang terdiri dari judul report consisting of news headlines, the name
berita, nama media massa berikut dengan of the following mass Media with the news
news value sehingga bank dapat mengetahui value so that the Bank can know the influence
pengaruh dari pemberitaan tersebut. of the proclamation.
3. Bank melakukan penatausahaan setiap 3. The Bank conducts the administration of
adanya pengaduan nasabah dalam Laporan each customer complaint in the customer
Pengaduan Nasabah yang disampaikan complaints report submitted to the Board of
kepada Direksi secara berkala. directors periodically.
4. Terdapat pemantauan atas keluhan nasabah 4. There is monitoring of customer complaints
dan penyelesaian pengaduan nasabah yang and customer complaints settlement in
sesuai dengan ketentuan/SLA. accordance with the provisions/SLA.
5. Terdapat pemantauan atas pemberitaan 5. There are monitoring of negative reporting to
negatif kepada bank melalui berbagai banks through various media including search
media termasuk search engine optimation engine optimation to improve positive image
untuk meningkatkan citra positif bagi bank, for banks, as well as assessment of reputation
serta penilaian profil risiko reputasi melalui risk profile through quarterly risk profile
pelaporan profil risiko secara triwulanan reporting
6. Bank melakukan counter terhadap adanya 6. The bank does a counter to the presence of
pemberitaan negatif terhadap bank dengan negative reporting to the bank by attempting
bank bjb ditunjuk sebagai Entitas Utama dari bank bjb was appointed as the main entity of
konglomerasi keuangan oleh Pemerintah the financial conglomerate by the provincial
Provinsi Jawa Barat melalui Surat Nomor government of West Java through Letter No.
539/1495/Invest&BUMD tanggal 27 Maret 539/1495/Invest & BUMD dated March 27th, 2015
2015 perihal Penunjukan bank bjb sebagai regarding the designation of bank bjb as the main
Entitas Utama. Struktur Konglomerasi bank bjb entity. The conglomerate structure of the bank bjb
sebagaimana Surat Keputusan Direksi PT Bank as the decree of Directors of PT Bank Pembangunan
Pembangunan Daerah Jawa Barat dan Banten, Daerah Jawa Barat dan Banten, Tbk. Number 0395/
Tbk. Nomor 0395/SK/DIR-MAP/2019 tentang SK/DIR-MAP/2019 on the structure of financial
Struktur Konglomerasi Keuangan PT Bank conglomerate PT Bank Pembanguna Daerah Jawa
Pembangunan Daerah Jawa Barat dan Banten, Barat dan Banten, Tbk. are as follows:
Tbk. adalah sebagai berikut:
Keterangan: Description:
Pemegang Saham Pengendali Non LJK Non LJK controlling shareholder
Entitas Utama yang Ditunjuk Designated primary entity
Perusahaan Terelasi Related Companies
Entitas Anak Subsidiaries
Secara bertahap, untuk melaksanakan proses Gradually, to implement the process of integration
integrasi pengelolaan risiko pada perusahaan of risk management in subsidiaries and related
anak dan perusahaan terelasi, bank bjb telah companies, bank bjb has endorsed integrated
mengesahkan Kebijakan Manajemen Risiko risk management policy and integrated risk
Terintegrasi dan Pedoman Manajemen Risiko management guidelines through the Board of
Terintegrasi melalui SK Direksi Nomor 0194/SK/ Directors Decree No. 0194/SK/DIR-MR/2016 dated
DIR-MR/2016 Tanggal 03 Maret 2016 Tentang March 3rd, 2016 on Integrated Risk Management
Kebijakan Manajemen Risiko Terintegrasi Policy and Board of Directors Decree no 1154/
dan SK Direksi Nomor 1154/SK/DIR-MR/2016 SK/DIR-MR/2016 dated December27th, 2016 on
Tanggal 27 Desember 2016 tentang Pedoman integrated risk.
Manajemen Risiko Terintegrasi.
Bank juga membentuk Komite Manajemen The Bank also establishes an Integrated Risk
Risiko Terintegrasi yang beranggotakan Management Committee consisting of Directors/
Direktur/Pejabat Eksekutif yang membawahkan Executive Officers who bring about the functions
fungsi manajemen risiko dari bank serta of risk management from banks as well as child
perusahaan anak yang memiliki peran sebagai companies who have a role as an input provider and
pemberi masukan serta rekomendasi terhadap recommendations on the implementation of risk
pelaksanaan manajemen risiko di dalam management within the financial conglomerate.
Konglomerasi Keuangan. Beberapa agenda Some of the agenda discussed in the Integrated
yang telah dibahas dalam Komite Manajemen Risk Management Committee are:
Risiko Terintegrasi adalah:
1. Pembahasan terkait Profil Risiko Terintegrasi. 1. Discussion regarding integrated risk profile.
2. Review terhadap Kebijakan dan Pedoman 2. Review of the Integrated Risk management
Manajemen Risiko Terintegrasi. policy and guidelines.
3. Pembahasan terkait penerapan Manajemen 3. Discussion regarding the implementation of risk
Risiko di Perusahaan Anak dan Terelasi. management in subsidiaries and related companies.
4. Pembahasan kertas kerja Profil Risiko 4. Discussion of integrated risk profile work paper.
Terintegrasi.
Berdasarkan hasil self assessment bank terhadap Based on the results of the bank’s self assessment
peringkat risiko bank bjb secara keseluruhan against the risk rating of bank bjb overall every
setiap triwulan pada tahun 2019 adalah Low quarter in 2019 is Low to Moderate with a
to Moderate dengan trend risiko stabil apabila trend of stable risk when compared with the
dibandingkan dengan tahun sebelumnya. Hal previous year. This indicates that bank bjb is
ini menunjukkan bahwa bank bjb mengalami experiencing the development of bank business
perkembangan bisnis bank yang diiringi dengan which is accompanied by increased quality of risk
peningkatan Kualitas Penerapan Manajemen management implementation in all operational
Risiko dalam seluruh aktivitas operasionalnya. activities. A summary of the risk profile during the
Ringkasan profil risiko selama kurun waktu 2019 period 2019 for the 8 (eight) bank-managed risk
untuk 8 (delapan) jenis risiko yang dikelola bank types are as follows:
adalah sebagai berikut:
Profil Risiko bank bjb 2019 | Bank bjb Risk Profile 2019
No Jenis Risiko Risk type
Triwulan I Triwulan II Triwulan III Triwulan IV
1 Risiko Kredit Credit risk Low to Moderate Low to Moderate Low to Moderate Low to Moderate
2 Risiko Pasar Market risk Low to Moderate Low to Moderate Low to Moderate Low to Moderate
3 Risiko Likuditas Liquidity Risk Low to Moderate Low to Moderate Low to Moderate Low to Moderate
4 Risiko Operasional Operational risk Moderate Moderate Moderate Moderate
5 Risiko Hukum Legal risk Low to Moderate Low to Moderate Low to Moderate Low to Moderate
6 Risiko Reputasi Reputation risk Low to Moderate Low to Moderate Low to Moderate Low to Moderate
7 Risiko Kepatuhan Compliance risk Low to Moderate Low to Moderate Low to Moderate Low to Moderate
8 Risiko Strategik Strategic risk Low to Moderate Low to Moderate Low to Moderate Low to Moderate
Predikat Risiko Risk predicate Low to Moderate Low to Moderate Low to Moderate Low to Moderate
Sistem pengukuran risiko yang dipergunakan The risk measurement system used to measure the
untuk mengukur eksposur risiko Bank sebagai Bank’s risk exposure as a guideline for controlling
pedoman untuk melakukan pengendalian dan and conducting periodically. The system should be
dilakukan secara berkala. Sistem tersebut paling at least measuring:
kurang harus dapat mengukur:
1. Sensitivitas produk/aktivitas terhadap 1. Sensitivity of the product/activity to changes in
perubahan faktor-faktor yang the factors that affect it, the bank is in normal
mempengaruhinya, bank dalam keadaan or abnormal state.
normal maupun tidak normal.
2. Kecenderungan perubahan faktor-faktor 2. The tendency to change the factors referred to
dimaksud berdasarkan fluktuasi yang terjadi by the fluctuations that occurred in the past
dimasa lalu dan korelasinya. and its correlate.
3. Faktor risiko (Risk Faktor) secara individual. 3. Risk factors are individually.
4. Eksposur risiko secara keseluruhan 4. Overall risk exposure (aggregate) as well as per
(aggregate) maupun per risiko, dengan risk, taking into account the linkage between
mempertimbangkan keterkaitan antar risks.
risiko.
5. Seluruh risiko yang melekat pada seluruh 5. The entire risk inherent in all transactions and
transaksi serta produk perbankan, banking products, including new products
1. termasuk produk dan aktivitas baru, dan 1. and activities, and can be integrated in the
dapat diintegrasikan dalam sistem informasi management information system of the Bank.
manajemen Bank.
Metode pengukuran dapat dilakukan secara The measuring method can be performed
kuantitatif dan/atau kualitatif. Metode quantitatively and/or qualitatively. The measuring
pengukuran tersebut dapat berupa metode method can be a method set by Bank Indonesia in
yang ditetapkan oleh Bank Indonesia dalam order to risk assessment and capital calculations
rangka penilaian risiko dan perhitungan modal (either standard method or internal method
(baik berupa metode standar atau metode developed by the Bank). In order to overcome
internal yang dikembangkan sendiri oleh Bank). the weaknesses that can arise on the use of a
Dalam rangka mengatasi kelemahan yang dapat particular risk measurement model, the Bank
timbul atas penggunaan model pengukuran must validate the model. The risk measurement
risiko tertentu maka Bank harus melakukan system is periodically evaluated and refined or at
validasi model tersebut. Sistem pengukuran any time when necessary to ensure the suitability
risiko dievaluasi dan disempurnakan secara of insurance, accuracy, fairness and data integrity,
berkala atau sewaktu-waktu apabila diperlukan as well as the procedures used to measure risk.
untuk memastikan kesesuaian asuransi, In evaluating the effectiveness of the bank’s risk
akurasi, kewajaran, dan integritas data, serta management system then the risk Management
prosedur yang digunakan untuk mengukur Unit performs the following monitoring program:
risiko. Dalam melakukan evaluasi atas efektivitas
sistem manajemen risiko bank maka satuan
kerja manajemen risiko melakukan program
pemantauan sebagai berikut:
1. Bank memiliki sistem dan prosedur 1. The Bank has monitoring systems and
pemantauan antara lain mencakup procedures, including monitoring of the
pemantauan terhadap besarnya eksposur magnitude of risk exposure, internal limit
risiko, kepatuhan limit internal dan hasil compliance and the result of stress testing
stress testing. maupun konsistensi dengan and consistency with established policies and
kebijakan dan prosedur yang ditetapkan. procedures.
2. Pemantauan dilakukan baik oleh unit 2. Monitoring performed both by the Executive
pelaksana (risk taking unit) maupun oleh Unit (risk taking unit) as well as by the risk
Satuan Kerja Manajemen Risiko Hasil Management work unit monitoring results are
pemantauan disajikan dalam laporan presented in periodic reports submitted to the
berkala yang disampaikan kepada management in order to mitigate the necessary
manajemen dalam rangka mitigasi risiko risks and measures.
dan tindakan yang diperlukan.
3. Bank menyiapkan suatu sistem back up 3. The Bank prepares a back up system and
dan prosedur yang efektif untuk mencegah effective procedures to prevent interference
terjadinya gangguan (disruptions) dalam (disruptions) in the risk monitoring process,
proses pemantauan risiko, dan melakukan and periodically check and re-valuation of the
pengecekan serta penilaian kembali secara back up system..
berkala terhadap sistem back up tersebut.
Berdasarkan evaluasi yang telah dilakukan Based on the evaluation that has been conducted
selama tahun 2019, menunjukkan bahwa during the year 2019, indicating that the risk
sistem manajemen risiko pada bank bjb telah management system of the bank bjb has adequate.
memadai.
Sistem Pengendalian Internal (SPI) merupakan Internal control System (SPI) is a mechanism of
suatu mekanisme proses pengawasan yang supervisory process defined by the management
ditetapkan oleh manajemen Bank scara of bank on sustainable design quality and its
berkesinambungan yang kualitas desain dan implementation is influenced by the board of
pelaksanaannya dipengaruhi oleh Dewan Commissioners, directors and all officers and
Komisaris, Direksi serta seluruh pejabat dan employees of the company. SPI is designed to be
pegawai Perseroan. SPI dirancang untuk dapat able to provide adequate to safeguard and secure
memberikan yang memadai guna menjaga the company’s wealth, ensure the availability
dan mengamankan harta kekayaan Perseroan, of accurate reports, improve compliance with
menjamin tersedianya laporan yang akurat, applicable provisions, reduce the impact of financial
meningkatkan kepatuhan terhadap ketentuan losses, irregularities including fraud and violations
yang berlaku, mengurangi dampak kerugian of attention, and increase the effectiveness of the
keuangan, penyimpangan termasuk kecurangan Organization and increase cost efficiency.
(fraud) dan pelanggaran aspek kehatihatian,
serta meningkatkan efektivitas organisasi dan
meningkatkan efisiensi biaya.
Sistem Pengendalian Intern bank bjb mengacu Internal control system of bank bjb refers to SEOJK
pada SEOJK 35/SEOJK.03/2017 tentang 35/SEOJK.03/2017 about Internal Control System
Pedoman Sistem Pengendalian Intern Bagi Bank Guidelines for Commercial Banks. Internal control
Umum. Pengendalian intern diselenggarakan is held continuously (on going basis) to achieve 3
secara berkesinambungan (on going basis) (three) objectives, namely:
untuk mencapai 3 (tiga) sasaran, yaitu: 1. Achieving effectiveness and efficiency in every
1. Mencapai efektivitas dan efisiensi pada activity carried out by the company, covering
setiap aktivitas yang dijalankan oleh operational and financial performance, as well
Perseroan, mencakup kinerja operasional as safeguarding and securing the company’s
dan keuangan, serta menjaga dan wealth.
mengamankan harta kekayaan Perseroan.
2. Menciptakan laporan finansial dan non- 2. Create financial and non-financial reports
finansial bagi pihak internal dan eksternal for trusted, timely and transparent internal
yang terpercaya, tepat waktu, dan and external parties, and in accordance with
transparan, serta sesuai dengan regulasi applicable regulations and standards.
dan standar yang berlaku.
3. Menjaga kepatuhan terhadap hukum dan 3. Maintain compliance with laws and regulations
regulasi dalam seluruh aspek aktivitas in all aspects of the company’s activities.
Perseroan.
Sistem Pengendalian Internal (SPI) yang Effective Internal control System (SPI) is an
efektif merupakan komponen penting dalam important component in bank bjb management
manajemen bank bjb dan menjadi dasar bagi and is the basis for the company’s healthy and safe
kegiatan operasional Perseroan yang sehat dan operational activities. The effective SPI helps the
aman. SPI yang efektif dapat membantu Direksi board of directors and the Board of Commissioners
dan Dewan Komisaris menjaga aset bank, maintain bank assets, ensuring the availability of
menjamin tersedianya pelaporan keuangan dan trustworthy financial and managerial reporting,
manajerial yang dapat dipercaya, meningkatkan improving the bank’s compliance with the laws and
kepatuhan bank terhadap ketentuan dan regulations, and reducing Risk of loss, irregularities,
peraturan perundang-undangan, serta and violations of caution.
mengurangi Risiko terjadinya kerugian,
penyimpangan, dan pelanggaran aspek kehati-
hatian.
Ruang lingkup pengendalian internal bank The scope of internal control of bank bjb refers to
bjb mengacu pada Lampiran Surat Edaran the appendix of the Financial Services Authority
Otoritas Jasa Keuangan No. 35/SEOJK.03/2017 Circular letter No. 35/SEOJK.03/2017 concerning
tentang Pedoman Standar Pengendalian Intern The Guidelines for Internal Control of Internals
Bagi Bank Umum. Komponen utama sistem For Commercial Banks. The main components of
pengendalian internal adalah sebagai berikut. internal control systems are as follows.
Pengawasan Oleh Manajemen dan Kultur Monitoring By Management and Culture of Control
Pengendalian
Direksi dan Dewan Komisaris mempunyai The Board of Directors and the Board of
tanggung jawab terkait pengawasan Sistem Commissioners have responsibility for controlling
Pengendalian Intern dan Budaya Pengendalian, Intern and culture control, as for the task
adapun tugas tanggung jawabnya adalah responsibilities are as follows:
sebagai berikut:
1. Direksi mempunyai tanggung jawab sebagai 1. The Board of Directors has the following
berikut: responsibilities:
a. Melaksanakan kebijakan dan strategi yang a. Implementing policies and strategies
telah disetujui oleh Dewan Komisaris. that have been approved by the Board of
b. Memberikan masukan terkait prosedur Commissioners.
untuk mengidentifikasi, mengukur, b. Provide input regarding procedures to
memantau dan mengendalikan risiko identify, measure, monitor and control the
yang dihadapi Bank. risks faced by the Bank.
c. Memelihara suatu struktur organisasi c. Maintain an organizational structure that
yang mencerminkan kewenangan, reflects the clear authority, responsibilities
tanggung jawab dan hubungan pelaporan and reporting relationship.
yang jelas.
d. Memantau pendelegasian wewenang d. Monitoring the delegation of authority
telah berjalan secara efektif dan has run effectively and supported by the
didukung oleh penerapan akuntabilitas application of consistent accountability.
yang konsisten.
e. Menetapkan kebijakan dan strategi serta e. To establish policies and strategies and
prosedur pengendalian intern. internal control procedures.
f. Memantau implementasi pengendalian f. Monitor internal control implementation
intern yang dilaksanakan oleh unit sistem implemented by internal control system
pengendalian intern. unit.
2. Dewan Komisaris mempunyai tanggung 2. The Board of Commissioners has the following
jawab: responsibilities:
a. Mengesahkan dan mengkaji ulang secara a. Periodically ratify and review the bank’s
berkala terhadap kebijakan dan strategi overall business policies and strategies.
usaha bank secara keseluruhan.
a. Memahami risiko utama yang dihadapi a. Understand the main risks facing the Bank,
Bank, menetapkan tingkat risiko yang establish a risk tolerance and supervise the
dapat ditolerir (Risk Tolerance) dan board of directors regarding the measures
mengawasi Direksi terkait langkah- taken by the Board of directors in identifying,
langkah yang diambil Direksi dalam measuring, monitoring and controlling such
mengidentifikasi, mengukur, memantau risks.
dan mengendalikan risiko tersebut.
b. Mengesahkan struktur organisasi. b. Validate organizational structure.
c. Mengawasi Direksi terkait tugas Direksi c. Supervises directors regarding the duties of
melakukan pemantauan efektivitas BOD monitoring the effectiveness of internal
pelaksanaan Sistem Pengendalian Intern. control system.
Direksi dan Dewan Komisaris bertanggung jawab The BOD and BOC are responsible for enhancing
dalam meningkatkan etika kerja dan integritas the high ethical work and integrity and creating an
yang tinggi serta menciptakan suatu budaya organizational culture that emphasizes all officers
organisasi yang menekankan kepada seluruh on the importance of internal control. In order
Pegawai mengenai pentingnya pengendalian to create such a culture of control, the measures
intern yang berlaku. Dalam rangka menciptakan undertaken by the Bank, among others:
budaya pengendalian tersebut, langkah-langkah
yang dilakukan oleh Bank, antara lain:
1. Direksi dan Dewan Komisaris menjadi 1. The Board of Directors and the Board of
panutan (role model) bagi seluruh pegawai Commissioners become role models for all
atau memiliki komitmen pribadi yang tinggi employees or have a high personal commitment
terhadap pengembangan Bank yang sehat. to the development of healthy banks.
2. Direksi dan Dewan Komisaris mampu 2. The Board of Directors and Board of
mengelola sumber daya manusia, termasuk Commissioners are able to manage human
dalam proses penempatan pegawai yang resources, including in the process of employee
sesuai dengan keterampilan, pengetahuan placement in accordance with their skills,
dan perilakunya. knowledge and behaviour.
3. Meningkatkan kesadaran seluruh 3. Raise the awareness of all employees about
pegawai mengenai pentingnya efektivitas the effectiveness of the implementation of the
pelaksanaan tugas dan tanggung jawab duties and responsibilities of each and the
masing-masing dan selanjutnya pegawai employee communicates to the management
mengkomunikasikan pada pihak manajemen related to each problem that occurs in the
yang terkait mengenai setiap permasalahan Operational and non operational activities of
yang terjadi dalam kegiatan operasional dan the Bank.
non operasional Bank.
Suatu sistem pengendalian intern yang efektif An effective internal control system requires the
mengharuskan Bank mengidentifikasi dan Bank to identify and assess risks that could affect
menilai risiko yang dapat mempengaruhi the achievement of the target. Risk assessment
pencapaian sasaran. Penilaian risiko is implemented by the Risk Management unit.
dilaksanakan oleh unit manajemen risiko. Internal Audit also provides data related to risk
Audit Internal turut memberikan data terkait profile adjustments based on the findings of the
penyesuaian profil risiko berdasarkan hasil inspection. Assessments can identify the types
temuan-temuan pemeriksaan. Penilaian dapat of risks faced, setting risk limits and risk control
mengidentifikasi jenis risiko yang dihadapi, techniques. The risk assessment methodology is a
penetapan limit risiko dan teknik pengendalian benchmark to create a risk profile in the form of data
risiko. Metodologi penilaian risiko menjadi tolak documentation, which can be cloned on a perodic
ukur untuk membuat profil risiko dalam bentuk basis. Risk assessment also includes assessments
dokumentasi data, yang bisa dikinikan secara of measurable and inmeasurable (qualitative) risk
perodik. Penilaian risiko juga meliputi penilaian as well as for controlled and uncontrollable risks,
terhadap risiko yang dapat diukur (kuantitatif) with respect to costs and benefits. Furthermore, the
dan tidak dapat diukur (kualitatif) maupun Bank decides to take such risk or not by reducing
terhadap risiko yang dapat dikendalikan dan tidak certain business activities.
dapat dikendalikan, dengan memperhatikan
biaya dan manfaatnya. Selanjutnya Bank
memutuskan untuk mengambil risiko tersebut
atau tidak dengan cara mengurangi kegiatan
usaha tertentu.
Kegiatan pengendalian meliputi kebijakan, Control activities include policies, procedures and
prosedur dan praktik yang memberikan practices that provide office confidence and the
keyakinan pejabat dan pegawai Bank Bank’s officers that the direction of the BOD and
bahwa arahan Direksi dan Dewan Komisaris BOC were effectively implemented. Control activities
telah dilaksanakan secara efektif. Kegiatan can assist the Board of Directors and Board of
pengendalian dapat membantu Direksi dan Commissioners in managing and controlling risks
Dewan Komisaris dalam mengelola dan that may affect performance or result in losses
mengendalikan risiko yang dapat mempengaruhi from the Bank. Control activities are applied at all
kinerja atau mengakibatkan kerugian Bank. functional levels according to the organizational
Kegiatan Pengendalian diterapkan pada semua structure of the Bank, which at least includes:
tingkatan fungsional sesuai struktur organisasi
Bank, yang sekurang-kurangnya meliputi:
1. Top level Review (Kaji Ulang oleh Manajemen) 1. Top level Review
Direksi secara berkala meminta penjelasan The Board of Directors periodically asks for
(informasi) dan laporan kinerja operasional an explanation (information) and reports the
dan non perasional dari pejabat eksekutif operational and non-relational performance
sehingga memungkinkan untuk mereview of the Executive officer so that it is possible
ulang hasil kemajuan (realisasi) dibandingkan to review the progress (realization) results
dengan target yang akan dicapai, seperti compared to the target to be achieved, such as
laporan keuangan dibandingkan dengan Financial statements compared to a set budget
rencana kerja anggaran yang ditetapkan. work plan. According to the review, the board of
Berdasarkan review tersebut, Direksi directors immediately detected problems such
segera mendeteksi permasalahan seperti as control weakness, financial report errors or
kelemahan pengendalian, kesalahan other irregularities (fraud).
laporan keuangan atau penyimpangan
lainnya (fraud).
2. Functional Review (Kaji Ulang Kinerja) 1. Functional Review
Adanya review terhadap kinerja bank review of the bank’s performance covering
yang meliputi aktifitas operasional dan operational and non-operational activities of
non operasional bank. Review ulang ini the Bank.
dilaksanakan oleh unit pengendalian terkait This review is carried out by the control unit
dengan frekuensi sesuai tuntutan dan related to the frequency according to the
kebutuhan, cakupan review tersebut antara demands and needs, the scope of the review
lain: are:
a. Melakukan review ulang terhadap a. Re-review the risk assessment (risk profile
penilaian risiko (laporan profil risiko) yang report) generated by the risk Management
dihasilkan oleh satuan kerja manajemen unit.
risiko.
b. Menganalisis data kegiatan operasional b. Analyzing operational and non-operational
dan non operasional, baik data yang terkait activities data, whether data related to
dengan risiko maupun data keuangan, risk or financial data, which is to verify the
yaitu melakukan verifikasi rincian dan details and transaction activity compared to
kegiatan transaksi dibandingkan dengan the output (report) generated by the working
output (laporan) yang dihasilkan oleh unit Risk management.
satuan kerja manajemen risiko.
c. Melakukan review ulang terhadap realisasi c. Reviewing the realization of the
pelaksanaan rencana kerja dan anggaran implementation of the work plan and
sehingga bisa: budget so that it can:
-- Mengidentifikasi penyebab penyimpangan -- Identifying the causes of significant
yang signifikan. deviations.
-- Menetapkan persyaratan untuk -- Set requirements for corrective actions.).
tindakan perbaikan (corrective actions).
3. Pengendalian Sistem Informasi 2. Information System control
a. Bank melakukan verifikasi terhadap a. Bank verifies the accuracy and completeness
akurasi dan kelengkapan dari transaksi of the transaction and carries out the
dan melaksanakan prosedur otorisasi, authorization procedure, in accordance
sesuai dengan ketentuan intern. with the internal provisions.
b. Kegiatan pengendalian sistem informasi b. Information system control activities can
dapat digolongkan dalam dua kriteria, be classified in two criteria, namely general
yaitu pengendalian umum dan control and application control.
pengendalian aplikasi.
c. Pengendalian umum meliputi c. General control includes control over data
pengendalian terhadap operasional center operations, software procurement
pusat data, sistem pengadaan dan and maintenance systems, access security,
pemeliharaan software, pengamanan and the development and maintenance of
akses, serta pengembangan dan existing application systems.
pemeliharaan sistem aplikasi yang ada. These common controls are applied to
Pengendalian umum ini diterapkan mainframe servers and users workstations,
terhadap mainframe server dan users as well as internal-external networks.
workstation, serta jaringan internal-
eksternal.
Sistem informasi harus dapat menghasilkan Information systems must be able to produce
laporan mengenai kegiatan usaha, kondisi reports on business activities, financial conditions,
keuangan, penerapan manajemen risiko dan implementation of risk management and fulfillment
pemenuhan ketentuan yang mendukung of provisions that support the duties of the Board of
pelaksanaan tugas Direksi dan Dewan Directors and BOC. Effective internal control system
Komisaris. Sistem pengendalian intern yang at least provides sufficient and comprehensive
efektif sekurang-kurangnya menyediakan data/ internal data/information on finance, compliance
informasi intern yang cukup dan menyeluruh with applicable rules and regulations, market
mengenai keuangan, kepatuhan terhadap information (external conditions) and any events
ketentuan dan peraturan yang berlaku, informasi and conditions required in order to make the right
pasar (kondisi ekstern) dan setiap kejadian and accountable decision making. Communication
serta kondisi yang diperlukan dalam rangka system is able to provide information to all parties,
pengambilan keputusan yang tepat dan dapat both internal and external.
dipertanggungjawabkan. Sistem Komunikasi
mampu memberikan informasi kepada seluruh
pihak, baik internal maupun ekternal.
Sistem pengendalian intern Bank menyediakan The Bank’s internal control system provides
adanya saluran komunikasi yang efektif agar effective communication channels so that all Bank
seluruh pegawai Bank sepenuhnya memahami employees fully understand and adhere to the
dan mematuhi kebijakan dan prosedur yang policies and procedures that are in carrying out
berlaku dalam melaksanakan tugas dan their duties and responsibilities.
tanggung jawabnya.
Kegiatan Pemantauan dan Tindakan Koreksi Activities Monitoring and Correction Actions
Penyimpangan Irregularities
Bank melakukan pemantauan terhadap The Bank is monitoring the overall effectiveness
efektivitas keseluruhan pelaksanaan of internal control implementation. Monitoring
pengendalian intern. Pemantauan terhadap of the Bank’s key risks should be prioritized and
risiko utama Bank harus diprioritaskan dan serve as part of daily Bank activities including
berfungsi sebagai bagian dari kegiatan Bank periodic evaluation, both by operational and
sehari-hari termasuk evaluasi secara berkala, non-operational units and by internal Audit work
baik oleh satuan-satuan kerja operasional unit (SKAI). The Bank monitors and evaluates The
dan non operasional maupun oleh Satuan adequacy of internal control systems is related to
Kerja Audit Intern (SKAI). Bank memantau dan the change in external conditions and externally
mengevaluasi kecukupan sistem pengendalian and should increase the capacity of the internal
intern berkaitan dengan adanya perubahan control system so that its effectiveness can be
kondisi internal dan eksternal serta harus improved.
meningkatkan kapasitas sistem pengendalian
intern tersebut agar efektivitasnya dapat
ditingkatkan.
Kelemahan dalam pengendalian intern, The weakness in internal control, whether identified
baik yang diidentifikasi oleh satuan kerja by operational working units (risk taking units),
operasional (risk taking unit), SKAI maupun SKAI and other parties, is immediately reported
pihak lainnya, segera dilaporkan dan menjadi and becomes the attention of officials or competent
perhatian pejabat atau Direksi yang berwenang. directors. Weaknesses of material internal control
Kelemahan pengendalian intern yang material are also reported to the Board of Commissioners.
juga dilaporkan kepada Dewan Komisaris.
COSO Internal Control – Integrated Framework, COSO Internal Control – Integrated Framework,
membagi pengendalian intern dalam 5 (lima) divides internal control in 5 (five) interrelated
komponen yang saling terkait yaitu: components:
Tanggung jawab Direksi dan Manajemen Senior Responsibilities of directors and Senior
untuk: Management:
Menetapkan standar etika dan integritas yang To establish high ethical and integrity standards
tinggi serta mengembangkan budaya yang and to develop a culture that emphasizes
menekankan dan memperlihatkan kepada and demonstrates to all employees about the
seluruh karyawan mengenai pentingnya importance of internal control. Every employee in
pengendalian intern. Setiap karyawan dalam the organization needs to know each other’s role in
organisasi perlu mengetahui peran masing- internal control..
masing dalam pengendalian intern.
Monitoring Monitoring
Proses untuk menilai kualitas pengendalian Process to assess the quality of internal controls
intern yang dilakukan secara berkesinambungan that are carried out continuously to disable that the
untuk mematikan bahwa pengendalian berjalan control is running in accordance with provisions,
sesuai dengan ketentuan, mencakup: including:
1. Pemantauan yang berkesinambungan 1. Ongoing monitoring of the effectiveness of
terhadap efektivitas pengendalian intern internal controls and monitoring of key risks
serta pemantauan terhadap risiko-risiko must be part of daily activities and should be
kunci harus merupakan bagian dari aktivitas evaluated periodically by business executor
harian serta harus dievaluasi secara periodik and internal audit.
oleh pelaksana bisnis dan audit intern.
2. Pelaksanaan audit yang koprehensif 2. Implementation of a comprehensive audit
terhadap sistem pengendalian intern oleh of internal control systems by independent,
auditor intern yang independen, terlatih dan trained and competent internal auditors,
kompeten, yang hasilnya harus dilaporkan whose results must be reported directly to
langsung kepada Direktur Utama, Komite the President Director, Audit Committee and
Audit dan manajemen senior terkait. related senior management.
3. Identifikasi kekurangsempurnaan dalam 3. Identification of Kekurangsempurnaan in
pengendalian intern oleh karyawan, internal control by employees, business executor
pelaksana bisnis ataupun audit intern or internal audit which should be reported
yang harus segera dilaporkan ketingkat immediately to the level of management and
manajemen da ditanggapi. Kekurangan response. Significant deficiencies should be
yang signifikan harus dilaporkan kepada reported to Senior Management and board of
Manajemen Senior dan Direksi. Directors.
Kelemahan dalam Sistem Pegendalian Internal, Weakness in the Internal system, whether identified
baik yang diidentifikasi oleh satuan kerja by the risk taking unit, SKAI or other parties, is
operasional (risk taking unit), SKAI maupun immediately reported and the attention of officials
pihak lainnya, segera dilaporkan dan menjadi or directors authorized. Weaknesses of material
perhatian pejabat atau Direksi yang berwenang. internal control are also reported to the Board of
Kelemahan pengendalian intern yang material Commissioners.
juga dilaporkan kepada Dewan Komisaris.
Langkah-langkah perbaikan yang dilakukan The steps to repair the Bank in order to improve
Bank dalam rangka memperbaiki kelemahan internal control weakness such as:
pengendalian intern, antara lain:
1. Setiap laporan mengenai kelemahan 1. Any report on the weakness in internal
dalam pengendalian intern atau tidak control or ineffectiveness of Bank risk control
efektifnya pengendalian risiko Bank segera is immediately followed up by the Board of
ditindaklanjuti oleh Dewan Komisaris, Commissioners, directors and related executive
Direksi dan pejabat eksekutif terkait. officers.
2. SKAI melakukan review ulang atau langkah 2. SKAI conducts review or other adequate
pemantauan lainya yang memadai monitoring measures against the weaknesses
terhadap kelemahan yang terjadi dan incurred and promptly reports to the President
segera melaporkan kepada Direktur Utama, Director, the BOC and the Audit committee, in
Dewan Komisaris dan Komite Audit, dalam the event that there is still an uncorrected
hal masih terdapat kelemahan yang belum 1. weakness or action Unactionable corrective
diperbaiki atau tindakan korektif yang belum action.
ditindaklanjuti.
3. Untuk menentukan bahwa seluruh 2. To determine that the entire weakness
kelemahan segera ditindaklanjuti maha immediately followed up must be no awareness
harus ada kesadaran dari unti terkait untuk of the associated unti to immediately take
segera mengambil langkah perbaikan. corrective steps. The Board of Directors
Direksi dan Dewan Komisaris harus and BOC must receive regular reports of an
menerima laporan secara berkala berupa overview of the results of identifying all issues
ikhtisar mengenai hasil identifikasi seluruh in internal control.
permasalahan dalam pengendalian intern.
Berdasarkan evaluasi yang telah dilakukan Based on the evaluation that has been conducted
selama tahun 2019, menunjukkan bahwa during the year 2019, indicating that the internal
sistem pengendalian internal pada bank bjb control system of the bank bjb is adequate.
telah memadai.
Program Anti Pencucian Uang (APU) Anti Money Laundering (Apu) and
dan Pencegahan Pendanaan Terorisme Prevention of Terrorism Funding (PPT)
(PPT) Program
Penerapan Program Anti Pencucian Uang dan The Anti-Money Laundering and Prevention of
Pencegahan Pendanaan Terorisme atau disebut Terrorism Funding (APU-PPT) Anti-Laundering and
juga dengan program APU PPT (Anti Money Prevention of Terrorism Funding Program (APU-
Laundering and Counter Terrorist Financing/AML- PPT) is a program that is carried out continuously
CFT) merupakan program yang dilaksanakan in order to fulfill obligations based on the provisions
secara berkesinambungan dalam rangka of:
pemenuhan kewajiban berdasarkan ketentuan:
1. Undang-Undang Republik Indonesia Nomor 1. Law of the Republic of Indonesia Number
8 Tahun 2010 tanggal 22 Oktober 2010 8 of 2010 dated October 22nd, 2010,
tentang Pencegahan dan Pemberantasan concerning Prevention and Eradication of
Tindak Pidana Pencucian Uang (UU PP Money Laundering (PP TPPU Law).
TPPU).
2. Undang-Undang Republik Indonesia Nomor 2. Law of the Republic of Indonesia Number 9 of
9 Tahun 2013 tanggal 13 Maret 2013 2013 dated March 13th, 2013, concerning
tentang Pencegahan dan Pemberantasan Prevention and Eradication of Criminal Acts on
Tindak Pidana Pendanaan Terorisme (UU Terrorism Funding (PP TPPT Law).
PP TPPT).
3. Peraturan Otoritas Jasa Keuangan (POJK) 3. Financial Services Authority Regulation (POJK)
Nomor 12/POJK.01/2017 tanggal 16 Number 12/POJK.01/2017 dated March 16th,
Maret 2017 tentang Penerapan Program 2017 concerning the Implementation
Anti Pencucian Uang dan Pencegahan of the Anti-Money Laundering and Prevention
Pendanaan Terorisme di Sektor Jasa of Terrorism Funding in the Financial Services
Keuangan. Sector.
4. Peraturan Otoritas Jasa Keuangan (POJK) 4. Financial Services Authority Regulation (FSAR/
Nomor 23/POJK.01/2019 tanggal 18 POJK) Number 23/POJK.01/2019 dated
September 2019 tentang Perubahan atas September 18th, 2019 concerning Amendments
Peraturan Otoritas Jasa Keuangan Nomor to Financial Services Authority Regulation
12/POJK.01/2017 Tentang Penerapan Number 12/POJK.01/2017 Regarding the
Selama Tahun 2019, sebagai langkah During 2019, as a step towards the seriousness of
keseriusan bank bjb dan dalam rangka the bank bjb and in order to maintain the trust
menjaga kepercayaan Nasabah, bank bjb telah of the customer, the bank bjb has carried out
melaksanakan kegiatan dan pengembangan activities and developed the application of the PPT
penerapan program APU PPT antara lain APU program, among others, as follows:
sebagai berikut:
1. Melakukan pemantauan transaksi-transaksi 1. Monitoring financial transactions for a more
Keuangan untuk dilakukan analisa lebih in-depth analysis of the potential for Suspicious
mendalam terhadap potensi terjadinya Financial Transactions.
Transaksi Keuangan Mencurigakan.
2. Melakukan Pelaporan Transaksi Keuangan 2. Reporting Suspicious Financial Transactions
Mencurigakan (LTKM) kepada Pusat (SFT/LTKM) to the Financial Transaction
Pelaporan dan Analisis Transaksi Keuangan Reports and Analysis Center (PPATK).
(PPATK).
3. Melakukan Pelaporan Transaksi Keuangan 3. Reporting on Cash Financial Transactions
Tunai (LTKT) kepada Pusat Pelaporan dan (LTKT) to the Financial Transaction Reports
Analisis Transaksi Keuangan (PPATK). and Analysis Center (PPATK).
4. Melakukan Pelaporan Transaksi Transfer 4. Reporting Fund Transaction Transfers From
dana Dari dan Ke Luar Negeri (LTKL) kepada and To Overseas (LTKL) to the Financial
Pusat Pelaporan dan Analisis Transaksi Transaction Reporting and Analysis Center
Keuangan (PPATK). (PPATK).
5. Melakukan Pelaporan Sistem Informasi 5. Reporting the Integrated Service User
Pengguna Jasa Terpadu (SIPESAT) kepada Information System (SIPESAT) to the Financial
Pusat Pelaporan dan Analisis Transaksi Transaction Reports and Analysis Center
Keuangan (PPATK). (PPATK).
15. Memastikan Teknologi Informasi yang 1. Ensuring Information Technology that supports
mendukung Penerapan Program APU PPT the Implementation of the PPT APU Program
telah sejalan dan mencakup perkembangan is in line and covers the development of the
bisnis, produk serta layanan Bank. Bank’s business, products and services. In this
Berkenaan dengan hal ini, bank bjb telah regard, bank bjb has developed an application
melakukan pengembangan Aplikasi yang called AMOLA (Anti Money Laundering)
diberi nama aplikasi bjb AMOLA (Anti application. For this application, some features
Money Laundering). Terhadap aplikasi ini have been developed to support more effective
telah dilakukan pengembangan beberapa monitoring of the implementation of PPU APU.
fitur yang dapat mendukung pemantauan
penerapan APU PPT yang lebih efektif.
16. Melakukan koordinasi dan pemantauan 2. To coordinate and directly monitor (on-site) the
langsung (on site) terhadap pelaksanaan implementation of APU-PPT program policies
kebijakan program APU-PPT pada unit in related work units that deal directly with the
kerja terkait yang berhubungan langsung Customer based on the results of work unit risk
dengan Nasabah yang didasarkan atas hasil assessment related to the potential for Money
penilaian tingkat risiko unit kerja terkait Laundering and Terrorism Funding;
terhadap potensi terjadinya Pencucian
Uang dan Pendanaan Terorisme;
17. Melakukan koordinasi dan pemantauan 3. Conducting direct coordination and monitoring
langsung (on site) terhadap pelaksanaan (on-site) on the implementation of PPU APU
kebijakan program APU PPT pada anak program policies in bank bjb subsidiaries; and
perusahaan bank bjb; dan
18. Melakukan pengkajian dalam rangka 4. Conducting studies to ensure the
memastikan penerapan APU PPT telah implementation of PPU APU has been carried
dilaksanakan pada Produk Aktivitas Baru out on New Activity Products (PAB) based on
(PAB) berdasarkan regulasi yang dikeluarkan regulations issued by the Financial Services
oleh Otoritas Jasa Keuangan (OJK). Authority (OJK).
Adapun Statistik pelaksanaan Program APU PPT As for the statistics on the implementation of the
yang dilaksanakan oleh bank bjb selama Tahun APU-PPT Program implemented by the bank bjb in
2019, dapat kami sampaikan sebagai berikut: 2019, we can convey the following:
Jumlah Satuan
NO Nama Aktivitas Activities
Total Unit
Laporan Transaksi Keuangan Mencurigakan (LTKM) Laporan
1 Suspicious Transaction Report (STR) 405
Suspicious Transaction Report (STR) Reports
Jumlah perkara penting yang dihadapi Perseroan The number of important cases faced by the
selama tahun 2019 adalah sebagai berikut. Company in 2019 is as follows.
Jumlah
No. Perkara Penting
Perdata Pidana Hubungan Industrial
1. Telah Selesai (telah mempunyai kekuatan 59 - -
hukum yang tetap)
2. Dalam proses penyelesaian 24 -
Total 83 - -
Perkara Penting yang Dihadapi Perusahaan Important Case Faced By The Company
Status
Nilai Nominal Risiko yang
Penyelesaian Sanksi
No. Pokok Perkara Case Gugatan Dihadapi
Settlement Sanction
Law Nominal Value Risks Faced
Status
1 Kantor Cabang : BSD Branch Office: BSD Saat ini Pokok Petitum Gugatan Risiko Hukum Tidak ada
PT.Himalaya 1. Gugatan materiil Law Risk No
Gugatan Perbuatan Melawan The lawsuit Against the Law By Asuransi pembayaran klaim sanction
Hukum Oleh Ahli Waris H.Iis the Heir of H.Iis Abdul Haris and Pelindung dan asuransi sebesar Rp.
Abdul haris dan bank bjb bank bjb to PT. Asuransi Himalaya bank bjb sedang 1.000.000.000,- (satu
kepada PT.Asuransi Himalaya Pelindung related to rejection of melakukan upaya milyar rupiah)
Pelindung terkait Penolakan life insurance claims. hukum Kasasi 2. Gugatan immaterial
Klaim Asuransi Jiwa. sebesar Rp.
1. Bahwa bank bjb mengajukan 1. That the bank bjb submitted a PT. Asuransi 1.000.000.000,- (satu
surat kepada PT. Asuransi letter to PT. Asuransi Himalaya Himalaya Pelindung milyar rupiah)
Himalaya Pelindung perihal Pelindung regarding the and bank bjb are
klaim pertanggungan claims of debtor life insurance conducting legal Principal Petitum Lawsuit
asuransi jiwa debitor atas coverage on behalf of H. Iis cassation 1. The material claim of
nama H. Iis Abdul Haris. Abdul Haris. insurance payment of
2. PT. Asuransi Himalaya 2. PT. Asuransi Himalaya Rp. 1,000,000,000 (one
Pelindung menyatakan Pelindung states that filing billion rupiahs)
bahwa pengajuan klaim claims on behalf of debtors 2. Immaterial claims of
atas nama debitor tidak cannot be further processed Rp. 1,000,000,000 (one
dapat diproses lebih lanjut and premiums that have billion rupiah)
dan premi yang telah been paid by bank bjb have
dibayar oleh bank bjb been returned by PT. Asuransi
telah dikembalikan oleh Himalaya Pelindung “
PT. Asuransi Himalaya
Pelindung”
Status
Nilai Nominal Risiko yang
Penyelesaian Sanksi
No. Pokok Perkara Case Gugatan Dihadapi
Settlement Sanction
Law Nominal Value Risks Faced
Status
2 Kantor Cabang : Branch Office: Sukajadi Saat ini Ir. Pokok Petitum gugatan Risiko Hukum Tidak ada
Sukajadi Syahril Syahlodi berupa : Law Risk No
Djemalip sedang 1. Gugatan Kerugian sanction
Gugatan Perbuatan Melawan The lawsuit Against the Law By melakukan Upaya Materiil sebesar
Hukum Oleh Ir. Syahril Syahlodi Ir. Syahril Syahlodi Djemalip. Hukum Kasasi ke Rp. 260.000.000,-
Djemalip. Mahkamah Agung 2. Gugatan Kerugian
RI. Imateriil: sebesar
Ir. Syahril Syahlodi Djemalip Ir. Syahril Syahlodi Djemalip as the At present Ir. Syahril Rp. 1.000.000.000,-
selaku pemilik jaminan previous owner of the warranty Syahlodi Djemalip
terdahulu mengajukan gugatan filed a lawsuit with the bank bjb, is conducting Principal Petitum lawsuit in
kepada bank bjb dengan pokok with the principal claiming, such a Cassation the form of:
gugatan antara lain meminta as, asking that no transfer of Legal Effort to 1. Lawsuit Material Losses
agar tidak dilakukan pengalihan rights or actions be taken on the the Indonesian of Rp. 260,000,000, -
hak atau tindakan apapun collateral object until the decision Supreme Court. 2. Immediate Loss Claim:
atas objek agunan sampai which has permanent legal force Rp. 1,000,000,000
dengan adanya putusan yang is made.
berkekuatan hukum tetap.
3 Kantor Cabang : Utama Branch Office: Utama Bandung Kasasi Tidak Ada. Risiko Hukum Tidak ada
Bandung Cassation Law Risk No
Menangguhkan/ sanction
Gugatan oleh Siento Halim The lawsuit by Siento Halim menghentikan
(Direktur CV Graha Nusa (Director of CV Graha Nusa Indah) pelaksanaan lelang
Indah) eksekuksi terhadap
obyek agunan
Debitor mengajukan gugatan The debtor filed a lawsuit to the
kepada bank bjb antara lain bank bjb, among others, stating Nothing.
menyatakan tidak sah lelang that the KPKNL was not authorized
eksekusi Hak Tanggungan to execute the Mortgage Rights Suspended/stopped the
yang dilakukan oleh KPKNL auction and stated that the KPKNL execution of auction for
dan menyatakan KPKNL tidak could not auction the collateral/ collateral objects
dapat melakukan lelang atas guarantee owned by Siento Halim
agunan/jaminan milik Siento (Director of CV Graha Nusa Indah)
Halim (Direktur CV Graha Nusa until a court ruling obtained
Indah) sampai adanya putusan permanent legal force.
Pengadilan yang memperoleh
kekuatan hukum tetap.
4 Kantor Cabang : Banjarmasin Branch Office: Banjarmasin Saat ini pihak Pokok Petitum Risiko Hukum Tidak ada
Haryanti sedang gugatan berupa Law Risk No
Gugatan Wanprestasi Haryanti The lawsuit of Haryanti customer melakukan upaya Gugatan Kerugian sanction
nasabah bank bjb Cabang of bank bjb Banjarmasin Branch hukum kasasi ke materiil sebesar Rp.
Banjarmasin kepada bank bjb to bank bjb Banjarmasin Branch. Mahkamah Agung 5.200.000.000,-
Cabang Banjarmasin.
At present Haryanti The principal of the
Sdr. Haryanti (Nasabah) Haryanti (Customer) filed a claim is making legal Petitum lawsuit is in
mengajukan gugatan for default on the Banjarmasin appeal to the the form of a claim for
wanprestasi kepada bank branch of the bank bjb in Supreme Court material loss of Rp.
bjb Cabang Banjarmasin connection with the receipt of the 5,200,000,000
sehubungan dengan tidak ATM card facility and requested
diterimanya fasilitas kartu compensation for the amount of
ATM dan meminta ganti rugi money that had been deposited by
sejumlah uang yang telah bank bjb.
disetorkan kepada bank bjb.
Status
Nilai Nominal Risiko yang
Penyelesaian Sanksi
No. Pokok Perkara Case Gugatan Dihadapi
Settlement Sanction
Law Nominal Value Risks Faced
Status
5 Kantor Cabang : Daan Mogot Branch Office: Daan Mogot Saat ini Materil 500 Juta Imateril Risiko Hukum Tidak ada
Metty sedang 1M Law Risk No
Gugatan Perlawanan dari The lawsuit of Resistance from melakukan upaya sanction
Metty (istri debitur atas nama Metty (wife of the debtor on behalf hukum banding Material 500 Million
Irwan Sanjaya kepada bank bjb of Irwan Sanjaya) to bank bjb bank BJB telah Immaterial 1 Billion
Cabang Daan Mogot Daan Mogot Branch membalas kontra
memori banding
Istri Debitur bank bjb Cabang Wife of a bank bjb debtor,
Daan Mogot atas nama Irwan Branch Daan Mogot on behalf of Currently, Metty
Sanjaya mengajukan gugatan Irwan Sanjaya filed a lawsuit for is conducting an
Perlawanan kepada bank bjb Resistance to the bank bjb with the appeal bank bjb
dengan pokok gugatan antara principal claiming, among others, has replied counter
lain Menyatakan batal demi declaring null and void by law or memory counter
hukum atau setidak-tidaknya at least stating that they did not appeal
menyatakan tidak mempunyai have legal force to bind the auction
kekuatan hukum mengikat plan for credit collateral assets
rencana pelelangan atas asset in the form of SHM No. 2925 on
jaminan kredit berupa SHM No. behalf of Irwan Sanjaya.
2925 atas nama Irwan Sanjaya.
6 Kantor Cabang : Singaparna Branch Office: Singaparna Saat ini penggugat Pokok petitum gugatan Risiko Hukum Tidak ada
melakukan berupa: gugatan Law Risk No
Gugatan Perbuatan Melawan The lawsuit Against the Law banding. kerugian materiil secara sanction
Hukum tanggung renteng
kepada tergugat sebesar
Terdapat Debitur bank bjb an. A bank bjb Debtor, Suaebah On appealing Rp 171.050.000,-
Suaebah Habibah yang fasilitas Habibah, whose credit facility is process by the
kreditnya macet sehingga bad, therefore collateral for the plaintiff Principal petitum lawsuit
agunan atas kredit tersebut loan is executed through collateral in the form of: claim for
dieksekusi melalui lelang auction and collateral auction material loss jointly and
agunan dan telah dilaksanakan process has been carried out jointly with the defendant
proses lelang agunan sampai until the process of transferring in the amount of Rp
dengan proses balik nama atas the name of the auction winner, 171.050.000,-
pemenang lelang, pihak debitur the debtor filed a lawsuit against
mengajukan gugatan atas the auction process to PN.
proses lelang tersebut kepada Tasikmalaya.
PN. Tasikmalaya.
7 Kantor Cabang :Bogor Branch Office: Bogor Banding Pokok Petitum gugatan Risiko Hukum Tidak ada
Appealing berupa: Law Risk No
Gugatan Perbuatan Melawan The lawsuit Against the Law 1. Gugatan Kerugian sanction
Hukum Materiil secara tanggung
renteng kepada
Terdapat double financing 4 There is a double financing of 4 Tergugat sebesar Rp.
(empat) Debitur KPR Bank BTN (four) Bank BTN Mortgage Debtors 2,903,800,000,-
yang menjadikan objek agunan who make the collateral object 2. Gugatan Kerugian
bank bjb sebagai agunan Bank of bank bjb as collateral for Imateriil secara
BTN dikarenakan kesalahan Bank BTN due to an error in the tanggung renteng
pada proses pencairan kredit process of credit disbursement at kepada Tergugat:
pada Bank BTN dan Notaris Bank BTN and Bank BTN Notary, sebesar Rp. 10.000.000,-
Bank BTN, memohonkan sita requesting collateral confiscation
jaminan atas Agunan bank bjb. of bank bjb collateral. Principal Petitum
lawsuit in the form of:
1. Lawsuit Material Loss
jointly and jointly to the
Defendant in the amount
of Rp. 2,903,800,000, - 2.
Immediate Loss Claims
jointly to the Defendant:
Rp. 10,000,000
Status
Nilai Nominal Risiko yang
Penyelesaian Sanksi
No. Pokok Perkara Case Gugatan Dihadapi
Settlement Sanction
Law Nominal Value Risks Faced
Status
8 Kantor Cabang : Banjarmasin Branch Office: Banjarmasin Monitor putusan Pokok petitum gugatan Risiko Hukum Tidak ada
The lawsuit against the law kasasi berupa : Law Risk No
Gugatan perbuatan melawan Syarifah Mujenah Baagil, a 1. Gugatan sanction
hukum Syarifah Mujenah Baagil Banjarmasin branch of a bank Monitoring kerugian materiil
nasabah bank bjb Cabang bjb customer cassation verdict secara tanggung
Banjarmasin renteng kepada
tergugat sebesar
Sdr. Syarifah Mujenah Baagil Syarifah Mujenah Baagil RP.1.395.000.000,-
(nasabah) mengajukan gugatan (customer) filed a breach of 2. Gugatan kerugian
wanprestasi kepada Bank contract against the Banjarmasin imateriil secara
BJB Cabang Banjarmasin branch of bank bjb in connection tanggung
sehubungan dengan tidak with the receipt of the ATM renteng kepada
diterimanya fasilitas kartu card facility and requested tergugat sebesar
ATM dan meminta ganti rugi compensation for the amount of RP.50.000.000.000,-
sejumlah uang yang telah money that had been deposited by (lima puluh miliar
disetorkan kepada bank bjb bank bjb rupiah)
9 Kantor Cabang: Tangerang Branch Office: Tangerang Kasasi Pokok petitum gugatan Risiko Hukum Tidak ada
Cassation berupa: Law Risk No
Bantahan lelang karena SHM Rebuttal because the freehold Pembatalan SHM milik sanction
yang dimiliki mempunyai titik title (SHM) owned has the same debitur bank bjb
lokasi yang sama dengan SHM location as the bank bjb’s debtor
milik debitur bank bjb atas freehold title on behalf of Lukito Principal petitum lawsuit
nama Lukito. in the form of: Cancellation
Maria Lingling filed a lawsuit for of free hold (SHM) owned
Maria Lingling mengajukan rebuttal because the freehold title by a bank bjb debtor
gugatan bantahan lelang (SHM) she owned had the same
karena SHM yang dimiliki location as the free hold title (SHM)
mempunyai titik lokasi yang of the bank bjb debtor on behalf
sama dengan SHM milik of Lukito
debitur bank bjb atas nama
Lukito.
Status
Nilai Nominal Risiko yang
Penyelesaian Sanksi
No. Pokok Perkara Case Gugatan Dihadapi
Settlement Sanction
Law Nominal Value Risks Faced
Status
10 Kantor Cabang: Kebayoran Branch Office: Kebayoran Baru Saat ini bank bjb Tidak ada menunda Risiko Hukum Tidak ada
Baru telah mengajukan dan/atau tidak Law Risk No
kontra memori melakukan lelang sanction
Gugatan debitur bank bjb atas The bank bjb debtor’s lawsuit on kasasi. eksekusi terhadap objek
nama Gersonius perbuatan behalf of Gersonius is an illegal act agunan
melawan hukum terhadap against the auction of collateral At present the bank
lelang eksekusi agunan execution by the bank bjb bjb has filed a Nobody chooses and/or
yang dilakukan oleh Bank Kebayoran Baru Branch through counter memory does not execute collateral
BJB Cabang Kebayoran Baru the Tangerang KPKNL. appeal. objects.
melalui KPKNL Tangerang. bank bjb Kebayoran Baru Branch
Status
Nilai Nominal Risiko yang
Penyelesaian Sanksi
No. Pokok Perkara Case Gugatan Dihadapi
Settlement Sanction
Law Nominal Value Risks Faced
Status
13 Kantor Cabang: Bekasi Branch Office: Bekasi Saat ini Tergugat 1. Pembatalan akta jual Risiko Hukum Tidak ada
III Mengajukan beli dan balik nama Law Risk No
Gugatan perbuatan melawan Lawsuit against the law by kasasi dan terhadap legalitas sanction
hukum oleh yayasan mutiara Yayasan Mutiara Bangsa bank bjb telah kepemilikan SHM
bangsa nusantara (YMBN) Nusantara (YMBN) to Drs. Ading mengajukan yang dimaksud
kepada Drs. Ading Sutarno, Dkk Sutarno, et al and the Bekasi kontra memori 2. Memohon (APHT)
dan bank bjb Cabang Bekasi branch of the bank bjb as part of kasasi. No. 165/2009
sebagai Turut Tergugat III. the defendant III. dan sertifikat hak
Currently, the tanggungan tidak sah
bank bjb Cabang Bekasi telah The Bekasi branch of the bank defendant III has dan tidak memiliki
memberikan fasilitas kredit bjb has provided key micro-credit submitted an kekuatan hukum
mikro utama kepada Umar Ali facilities to Umar Ali Yanto, who appeal and bank yang mengikat
Yanto yang telah mengambil has taken over one of them, bjb has filed a
alih salah satunya debitur bank the bank bjb debtor PT. Aliga counter appeal to 1. Cancellation of the deed
bjb PT. Aliga International International with guarantees the appeal. of sale and transfer of
dengan jaminan atas nama in the name of Umar Ali Yanto the name of the legality
Umar Ali Yanto (Tergugat (Defendant III in the Aquo case) of ownership of the
III dalam perkara aquo) acted as the Insurer, in the referred SHM
bertindak selaku Penanggung, principal case of the lawsuit was to 2. Request (APHT) No.
dalam pokok gugatan adalah declare the sale and purchase of 165/2009 and the
menyatakan jual beli tanah land on sengketea objects between mortgage certificate are
atas objek sengketea antara Defendant II and Defendant III, invalid and do not have
Tergugat II dengan Tergugat III, as well as illegal liability and not binding legal force
serta hak tanggungan tidak sah having binding legal force , and the
dan tidak memiliki kekuatan plaintiff requested to be declared
hukum yang mengikat, dan as the legal owner of the land
penggugat meminta dinyatakan and buildings that are currently
sebagai pemilik sah atas collateral in Bekasi branch of
sebdang tanah dan bangunan bank bjb.
yang saat ini menjadi agunan di
bank bjb Cabang Bekasi.
14 Kantor Cabang : Branch Office: Semarang Pailit Tidak ada Risiko Hukum Tidak ada
Semarang Bankruptcy nothing Law Risk No
sanction
PT. Seruni diajukan Pailit, PT. Seruni filed for bankruptcy,
setelah proses kepailitan after the bankruptcy proceedings
masuk dalam Insolvensi entered into the bank bjb
bank bjb Cabang Semarang Insolvency Semarang Branch
menerima gugatan dari received a lawsuit from the owner
Pemilik SHM sebelum atas of SHM before on behalf of Agus
nama Agus Hartono yaitu an Hartono namely an Widagdo
Widagdo(Penggugat) yang (Plaintiff) who basically claimed the
pada pokoknya menklaim payment had not been fully settled
pembayaran belum seluruhnya to Mr. Widagdo by Agus Hartono
diselesaikan kepada Sdr (Defendant I/SHM Owner) the last)
Widagdo oleh Agus Hartono and ask for the cancellation of AJB
(Tergugat I/Pemilik SHM yang and ask for compensation to Agus
terakhir) serta memintakan Hartono & bjb.
pembatalan AJB dan
memintakan ganti rugi kepada
Agus Hartono & bank bjb.
Status
Nilai Nominal Risiko yang
Penyelesaian Sanksi
No. Pokok Perkara Case Gugatan Dihadapi
Settlement Sanction
Law Nominal Value Risks Faced
Status
15 Kantor Cabang : Sumber Branch Office: Sumber Kesimpulan Tidak ada Risiko Hukum Tidak ada
Conclusion nothing Law Risk No
Gugatan Perlawanan Afdol Afdol Hadir Resistance Lawsuit sanction
Hadir debitur bank bjb Cabang debtor of bank bjb Sumber
Sumber Branch
Status
Nilai Nominal Risiko yang
Penyelesaian Sanksi
No. Pokok Perkara Case Gugatan Dihadapi
Settlement Sanction
Law Nominal Value Risks Faced
Status
19 Kantor Cabang : Gajah Mada Branch Office: Gajah Mada Banding Tidak ada Risiko Hukum Tidak ada
Appealing nothing Law Risk No
Gugatan Perlawanan The lawsuit for Resistance sanction
Mohammad Sjafran Sjaaf Mohammad Sjafran Sjaaf, the
debitur bank bjb Cabang debtor of the Surabaya branch of
Surabaya the bank bjb
Status
Nilai Nominal Risiko yang
Penyelesaian Sanksi
No. Pokok Perkara Case Gugatan Dihadapi
Settlement Sanction
Law Nominal Value Risks Faced
Status
22 Kantor Cabang : Purwakarta Branch Office: Purwakarta Sidang agenda Tidak ada Risiko Hukum Tidak ada
Gugatan Hidayat Abdul Gopur pembuktian nothing Law Risk No
debitur bank bjb Cabang sanction
Purwakarta Proof agenda
assembly
bank bjb Cabang Purwakarta Lawsuit Hidayat Abdul Gopur a
akan melakukan eksekusi debtor of bank bjb Purwakarta
hak tanggungan atas agunan Branch bank bjb Purwakarta
fasilitas kredit debitur atas Branch will execute the mortgage
nama Hidayat Abdullah Gopur of collateral for the debtor credit
terkait dengan fasilitas KPR facility in the name of Hidayat
, debitur merasa keberatan Abdullah Gopur in connection with
dengan proses lelang tersebut the KPR facility, the debtor has
objected to the auction process
23 Kantor Cabang : Palembang Branch Office: Palembang Sidang agenda Tidak ada Risiko Hukum Tidak ada
Gugatan wanprestasi dari Claims for default from the old mediasi nothing Law Risk No
pemilik agunan lama collateral owner sanction
Mediation
Sdr. Rasyid sebagai Penggugat Mr. Rasyid as the Plaintiff and
dan pemilik agunan lama, the owner of the old collateral
meminta pengembalian asked Tika Wulandari to return
agunan kepada Tika Wulandari the collateral as Defendant I and
sebagai Tergugat I dan Debitur Debtor of the bank bjb because
bank bjb karena pembayaran the sale and purchase payment
jual beli antara mereka belum between them had not been
selesai (belum dibayar). completed (unpaid).
24 Kantor Cabang : Indramayu Branch Office: Indramayu Agenda Jawaban Tidak ada Risiko Hukum Tidak ada
Nurhayati melakukan gugatan Nurhayati filed a lawsuit against Decision nothing Law Risk No
terhadap bank bjb Cabang the bank bjb of Indramayu Branch sanction
Indramayu dimana salah satu where one of the main points
pokok petitumnya adalah of the petitum was to order the
memerintahkan pengalihan transfer of receivables on the
piutang atas jaminan SHM No. guarantee of SHM No. 160, and
160 , dan menyerahkan SHM submit the SHM to the Plaintiff as
tsb kepada Penggugat sebagai the legal owner.
pemilik yang sah.
Perkara Penting yang sedang Dihadapi Dewan Important Cases Which Faced By The Board of
Komisaris dan Direksi yang sedang menjabat Commissioners and The Board of Directors
Selama tahun 2019, tidak terdapat perkara During 2019, there were no important cases being
penting yang sedang dihadapi oleh Dewan faced by the Board of Commissioners and Directors
Komisaris dan Direksi yang sedang menjabat who were serving as well as subsidiaries.
serta entitas anak.
Perkara Penting yang sedang Dihadapi Anak Important Governments Which Faced By The
Perusahaan Subsidiaries
Selama tahun 2019, tidak terdapat perkara During 2019, there were no important cases being
penting yang sedang dihadapi oleh Anak faced by the Subsidiaries
Perusahaan.
Selama 2019, tidak terdapat sanksi administratif During 2019, there were no administrative
yang mempengaruhi kelangsungan usaha bank sanctions that affected the business continuity of
bjb dan juga tidak terdapat sanksi administratif the bank bjb and there were also no administrative
yang dikenakan kepada anggota Direksi dan sanctions imposed on members of the Board of
anggota Dewan Komisaris. Directors and Board of Commissioners.
Selain menjalankan kegiatan operasional bank In addition to carrying out the operational
bjb juga tidak melupakaan peran sosialnya activities of the bank bjb, it also does not forget
untuk membantu untuk turut berperan dalam its social role to help play a role in improving the
meningkatkan kesejahteraan masyarakat. welfare of the community. During 2019 the bank
Selama tahun 2019 bank bjb telah memberikan bjb has provided funds for social activities of Rp
dana kegiatan sosial sebesar Rp 17.8 miliar. 17.8 billion.
Uraian terkait dengan tanggung jawab sosial The description related to corporate social
perusahaan disampaikan pada bagian Tanggung responsibility is presented in the Corporate Social
Jawab Sosial Perusahaan yang menjadi bagian Responsibility section which is an integral part of
yang tidak terpisahkan dalam Laporan Tahunan this Annual Report.
ini.
Direksi melalui Surat Keputusan Direksi Nomor Directors through Decree Number 709/SK/
709/SK/DIRKP/2014 tanggal 7 Oktober 2014 DIRKP/2014 dated October 7th, 2014 concerning
tentang Etika Usaha dan Tata Perilaku (Code Business Ethics and Code of Conduct of PT Bank
of Conduct) PT Bank Pembangunan Daerah Pembangunan Daerah Jawa Barat and Banten,
Jawa Barat dan Banten, Tbk., kode etik bank Tbk., bank bjb’s code of ethics is a
bjb merupakan pedoman yang menjelaskan guideline describing business ethics and bank bjb
etika usaha dan tata perilaku insan bank people behaviour to implement good corporate
bjb untuk melaksanakan praktik-praktik management practices. One of them regulates the
pengelolaan perusahaan yang baik. Salah Standards of Conduct, namely, point e. Avoiding
satunya mengatur mengenai Standar Tata conflicts of interest and misuse of positions and
Perilaku yaitu poin e. Menghindari benturan points l. Political activity. The bank bjb’s code
kepentingan dan penyalahgunaan jabatan of conduct becomes a reasonable, proper and
dan poin l. Aktivitas politik. Kode etik bank bjb trustworthy standard for all bank bjb employees in
menjadi standar perilaku yang wajar, patut carrying out business activities including interacting
dan dapat dipercaya untuk semua insan bank with stakeholders. For that matter, the bank bjb
bjb dalam melaksanakan kegiatan usaha code of conduct applies to all bank bjb people
termasuk berinteraksi dengan pemangku throughout the organization. The application of the
kepentingan. Untuk itu, Kode etik bank bjb bank bjb Code of Ethics is carried out continuously
berlaku bagi seluruh insan bank bjb diseluruh and continuously in the form of attitudes, actions,
jenjang organisasi. Penerapan pedoman commitments and provisions supporting the
kode etik bank bjb dilaksanakan secara terus creation of corporate culture. Therefore, the bank
menerus dan berkesinambungan dalam bentuk bjb does not provide funds for political activities.
sikap, perbuatan, komitmen dan ketentuan
mendukung terciptanya budaya perusahaan.
Oleh Karena itu, bank bjb tidak memberikan
dana untuk kegiatan politik.
Akses Informasi dan Data Perusahaan Access To Information and Company Data
Selain itu, informasi mengenai perkembangan In addition, information regarding the development
Saham dan permodalan bank bjb juga dapat of bank bjb shares and capital can also be accessed
diakses melalui website Bursa Efek Indonesia through the Indonesia Stock Exchange website
(www.idx.co.id). (www.idx.co.id).
Kegiatan investor relation yang telah Investor relations activities that have been carried
dilaksanakan selama tahun 2019 antara lain: out during 2019 include:
1. Analyst Meeting FY2018 1. Analyst Meeting FY 2018
Kegiatan yang dilakukan untuk memberikan Activities are undertaken to provide information
informasi laporan keuangan Perseroan on the Company’s financial statements on a
secara berkala. Adapun dalam kegiatan regular basis. As for this activity the information
ini informasi yang disampaikan mengenai submitted about the audited financial
laporan keuangan audited periode 31 statements for the December 31st, 2018 period.
Desember 2018.
2. Analyst Meeting Q1 2019 2. Analyst Meeting Q1 2019,
Kegiatan yang dilakukan untuk memberikan Activities are undertaken to provide information
informasi laporan keuangan Perseroan on the Company’s financial statements on a
secara berkala. Adapun dalam kegiatan regular basis. As for this activity, the information
ini informasi yang disampaikan mengenai submitted was about the quarterly unaudited
laporan keuangan unaudited triwulanan financial statements for the period March 31st,
periode 31 Maret 2019. 2019.
3. Analyst Meeting Q2 2019 3. Analyst Meeting Q2 2019
Kegiatan yang dilakukan untuk memberikan Activities are undertaken to provide information
informasi laporan keuangan Perseroan on the Company’s financial statements on a
secara berkala. Adapun dalam kegiatan regular basis. As for this activity, the information
ini informasi yang disampaikan mengenai submitted was about the quarterly unaudited
laporan keuangan unaudited triwulanan financial statements for the period June 31st,
periode 31 Juni 2019. 2019.
4. Analyst Meeting Q3 2019 4. Analyst Meeting Q3 2019
Kegiatan yang dilakukan untuk memberikan Activities are undertaken to provide information
informasi laporan keuangan Perseroan on the Company’s financial statements
secara berkala. Adapun dalam kegiatan on a regular basis. As for this activity, the
ini informasi yang disampaikan mengenai information submitted was about the quarterly
laporan keuangan unaudited triwulanan unaudited financial statements for the period of
periode 30 September 2019. September 30th, 2019.
5. Public Expose LIVE 2019 5. Public Expose LIVE 2019
Kegiatan dilakukan untuk memberikan Activities are carried out to provide information
informasi kepada publik dengan to the public by presenting the results of the
menyampaikan hasil kinerja Perseroan Company’s performance with the aim that
dengan tujuan agar informasi mengenai information about the Company’s performance
kinerja Perseroan tersebut tersampaikan is conveyed properly. In 2019, the bank bjb
dengan baik. Di tahun 2019, bank bjb participated in the Live Public Expose held by
mengikuti Public Expose LIVE yang diadakan the Indonesia Stock Exchange on August 19th,
oleh Bursa Efek Indonesia pada tanggal 19 2019.
Agustus 2019.
6. Menjalin komunikasi dengan Investor dan 1. Establish communication with Investors and
Calon Investor Prospective Investors
Merupakan pertemuan yang dilakukan It is a meeting that is held routinely to investors
secara rutin kepada investor maupun and prospective investors through one on one
calon investor melalui kegiatan one on one meetings, Non-Deal Roadshows, Conference
meeting, Non Deal Roadshow, Conference Meetings.
Meeting.
26 11 April 2019 April 11th, 2019 Launching Samsat Online Nasional Launching of national Online Samsat
27 15 April 2019 April 15th, 2019 Launching Mobile Puskesmas (Mpus) Launching of Mobile Puskesmas (Mpus)
Rencanakan Umrah Impianmu Bersama Plan your dream umrah together with BJT
28 15 April 2019 April 15th, 2019
bjb Tandamata Berjangka Umrah Tandamata Futures Umrah
bank bjb Dukung Festival Literasi 2019 bank bjb Supports the 2019 Literacy Festival
29 22 April 2019 April 22nd, 2019
“Habis Gelap Terbitlah Terang” “Habis Gelap Terbitlah Terang”
Bangun Perekonomian Daerah, bank bjb Building a Regional Economy, bank bjb Record
30 26 April 2019 April 26th, 2019
Catatkan Pertumbuhan Positif Kredit Mikro the Positive Economy of Micro Credit
bank bjb Selenggarakan RUPST Tahun
bank bjb Holds annual GMS for the 2018 fiscal
31 2 Mei 2019 May 2nd, 2019 Buku 2018 dan Membayarkan Dividen
year and pays a dividend of Rp. 879.6 billion
sebesar Rp 879,6 miliar
bank bjb Menjalin Kerja Sama dengan bank bjb establishes Cooperation with PT.
32 14 Mei 2019 May 14th, 2019 PT. Asuransi Jiwa Taspen dan PT. Taspen Life Insurance and PT. Telekomunikasi
Telekomunikasi Indonesia Tbk. Indonesia Tbk.
Penandatanganan Perjanjian Kerjasama The signing of the Regional Revenue
Optimalisasi Pendapatan Daerah antara Optimization Cooperation Agreement between
33 14 Mei 2019 May 14th, 2019
bank bjb dengan Pemda Kota dan the bank bjb and the City Government and
Kabupaten Wilayah Provinsi Banten Regency of Banten Province
bank bjb Raih Indonesia Human Capital bank bjb Wins Indonesia Capital Capital Award
34 17 Mei 2019 May 17th, 2019
Award 2019 2019
bank bjb Raih Penghargaan Infobank bank bjb Award wins Infobank Digital Brand
35 17 Mei 2019 May 17th, 2019
Digital Brand Awards Award
Sinergi, Berinovasi, Siap Hadapi Masa
Synergy, Innovation, Ready to Face the Future,,
36 20 Mei 2019 May 20th, 2019 Depan, 58 Tahun bank bjb Tandamata
58 years of bank bjb keepsake for nation
Untuk Negeri
Setelah Sambara Sukses di Jawa Barat, After the successful of Sambara in West Java,
37 22 Mei 2019 May 22nd, 2019 bank bjb Luncurkan Sambat bagi Warga the bank bjb Launched Sambat for Banten
Banten Residents
bank bjb Jalin Kerjasama Dengan PT
bank bjb Collaborates with PT Kharisma
38 24 Mei 2019 May 24th, 2019 Kharisma Pemasaran Bersama Nusantara
Marketing Bersama Nusantara (KPBN)
(KPBN)
Buletin Bulletin
Untuk meningkatkan kepercayaan dan upaya To increase trust and efforts to build loyal
membangun loyal engagement dari shareholder engagement from shareholders and stakeholders,
dan stakeholdernya, Perseroan memiliki media the Company has information means that
informasi yang disesuaikan dengan target are tailored to its target market readers. The
market pembacanya. Media informasi tersebut information media include:
antara lain:
Majalah bjb precious senantiasa memberikan The bjb precious magazine always provides the
informasi terkini terkait informasi produk, latest information related to product information,
layanan, update market serta program yang services, market updates and programs that
menjadi jembatan komunikasi antara bank serve as a communication bridge between banks
dengan nasabah precious yang diterbitkan 4 and precious customers, which is issued 4 (four)
(empat) edisi setiap tahunnya. Pada tahun 2019 editions annually. In 2019, a total of 8,000 copies
telah terdistribusikan total 8.000 eksemplar were distributed to bjb precious customers.
kepada nasabah bjb precious.
Dalam upaya melakukan pencegahan Korupsi, To prevent Corruption, Collusion and Nepotism
Kolusi dan Nepotisme (KKN), bank bjb telah (CCN/KKN), the bank bjb has formed a gratification
membentuk program pengendalian gratifkasi control program as set out in Gratification Control
yang sebagaimana tertuang dalam Pedoman Guideline Number 0694/SK/DIR-KP/2019 which
Pengendalian Gratifikasi Nomor 0694/SK/ provides direction and references for all Company
DIR-KP/2019 yang memberikan arah serta organizations in overcoming the practice of the
acuan bagi segenap organisasi Perseroan di Company give each other (acceptance, rejection,
dalam menanggulangi praktik saling memberi and giving) in the company environment so that
(penerimaan, penolakan, maupun pemberian) the management of gratuities in the company
di lingkungan perseroan sehingga pengelolaan can be in accordance with the principles of good
gratifikasi pada perseroan dapat sesuai dengan corporate governance. With the adoption of these
prinsip-prinsip tata kelola perusahaan yang baik. guidelines, the Company is expected to encourage
Dengan ditetapkannya pedoman ini, Perseroan the implementation of high business ethics and
diharapkan dapat mendorong terlaksananya prevent conflicts of interest, fraud and other
etika bisnis yang tinggi serta mencegah irregularities in the corporate environment.
timbulnya benturan kepentingan, kecurangan
serta perilaku penyimpangan lain di lingkunan
perseroan.
bank bjb secara berkesinambungan melakukan bank bjb continuously monitors and evaluates
monitoring dan evaluasi program pengendalian the gratification control program as a form of
gratifikasi sebagai bentuk komitmen bank bjb the bank bjb’s commitment to the KPK in carrying
dengan KPK dalam melaksanakan program out the gratification control program and the
pengendalian gratifikasi dan perseroan telah company has carried out socialization held in the
melaksanakan sosialisasi yang diselenggarakan form of Training of Trainer to Managerial level
dalam bentuk Training of Trainer kepada representatives at the Branch Office.
perwakilan level Managerial di Kantor Cabang.
Kode etik adalah suatu sistem norma, nilai dan The code of ethics is a system of norms, values as
juga aturan profesional tertulis yang secara tegas well as written professional rules that expressly
menyatakan perbuatan apa saja yang benar state what actions are right or wrong, what
atau salah, perbuatan apa yang harus dilakukan actions must be done and what actions should
dan perbuatan apa yang harus dihindari. be avoided. In short, the definition of a code of
Secara singkatnya definisi kode etik yaitu suatu ethics is a pattern of rules, procedures, signs,
pola aturan, tata cara, tanda, pedoman etis ethical guidelines when carrying out an activity or
ketika melakukan suatu kegiatan atau suatu a job. bank bjb considers it important and gives
pekerjaan. bank bjb memandang penting dan special attention to the application of the code of
memberikan perhatian yang khusus terhadap ethics. Therefore, the bank has established a Code
penerapan kode etik. Oleh sebab itu bank telah of Conduct that guides the people of the bank in
menetapkan Code of Conduct yang menjadi building relationships with stakeholders.
pedoman insan bank dalam membangun
hubungan dengan para pemangku kepentingan
(stakeholders).
Di samping itu, kode etik merupakan salah In addition, the code of ethics is one of the tools
satu perangkat yang ditetapkan Bank dalam established by the Bank in maintaining and
menjaga dan meningkatkan integritas enhancing the integrity of all bjb people in the
seluruh insan bjb pada kerangka penerapan framework of implementing Good Corporate
Good Corporate Governance (GCG) sehingga Governance (GCG) so that its implementation can
pengimplementasiannya dapat dilakukan secara be carried out consistently. In order to uphold the
konsisten. Dalam rangka menegakkan kode etik, code of ethics, the executive officer has conveyed
Pejabat eksekutif telah menyampaikan komitmen his commitment to the Board of Directors through
kepada Direksi melalui penandatanganan the signing of an updated Integrity statement
pernyataan Integritas yang diperbaharui setiap every year. Through this effort, it is hoped that
tahunnya. Melalui upaya ini diharapkan Pejabat executive officers can become role models for the
eksekutif dapat menjadi role model bagi jajaran subordinates.
di bawahnya.
Direksi melalui Surat Keputusan Direksi Nomor Directors through Directors Decree Number
709/SK/DIRKP/2014 tanggal 7 Oktober 2014 709/SK/DIRKP/2014 dated October 7th, 2014,
tentang Etika Usaha dan Tata Perilaku (Code of concerning Business Ethics and Code of Conduct
Conduct) PT Bank Pembangunan Daerah Jawa of PT Bank Pembangunan Daerah Jawa Barat
Barat dan Banten, Tbk., kode etik bank bjb and Banten, Tbk., bank bjb’s code of ethics is a
merupakan pedoman yang menjelaskan etika guideline describing business ethics and bank bjb
usaha dan tata perilaku insan bank bjb untuk people behavior to implement good corporate
melaksanakan praktik-praktik pengelolaan management practices. In these guidelines, bank
perusahaan yang baik. Di dalam pedoman bjb regulates concerning:
tersebut bank bjb mengatur mengenai:
Standar Etika Usaha Business Ethic Standard Standar Tata Perilaku Code of Conduct
1. Etika Perusahaan dengan 1. Company Ethics with 1. Etika kerja sesama insan bank 1. The work ethic of fellow employess
pegawai. employees. bjb. bank bjb.
2. Etika Perusahaan dengan 2. Company Ethics with 2. Menjaga kerahasiaan data 2. Maintaining the confidentiality of
nasabah. customers. dan informasi perusahaan. company data and information.
3. Etika Perusahaan dengan 3. Company Ethics with 3. Menjaga harta perusahaan. 3. Safeguard company assets.
pesaing. competitors. 4. Mencatat data dan 4. Record data and reporting.
4. Etika Perusahaan dengan 4. Company Ethics with pelaporan.
penyedia barang/jasa. goods/service providers. 5. Menghindari benturan 5. Avoiding conflicts of interest and
5. Etika Perusahaan dengan 5. Company Ethics with kepentingan dan abuse of position.
stakeholder. stakeholders. penyalahgunaan jabatan.
6. Etika Perusahaan dengan 6. Company Ethics with 6. Menerima hadiah atau 6. Receive gifts or facilities.
shareholder. shareholders. fasilitas.
7. Etika Perusahaan dengan 7. Corporate Ethics with the 7. Menolak penerimaan hadiah 7. Refuse accepting gifts or facilities.
pemerintah. government. atau fasilitas.
8. Etika Perusahaan dengan 8. Corporate Ethics with the 8. Memberi hadiah atau 8. Give a gift or facility.
masyarakat. community. fasilitas.
9. Etika Perusahaan dengan 9. Corporate Ethics with mass 9. Permintaan hadiah atau 9. Request for gifts or facilities.
media massa. media. fasilitas.
10. Etika Perusahaan dengan 10. Company Ethics with 10. Penyalahgunaan narkotika 10. Abuse of narcotics and illegal
organisasi profesi. professional organizations. dan obat terlarang (narkoba). drugs.
11. Tidak melanggar pakta 11. Does not violate the integrity pact.
integritas.
12. Aktivitas politik. 12. Political activity.
Kode etik bank bjb menjadi standar perilaku The code of ethics of bank bjb becomes a standard
yang wajar, patut dan dapat dipercaya untuk of fair, proper and trustworthy behavior for all
semua insan bank bjb dalam melaksanakan bank bjb employee in carrying out business
kegiatan usaha termasuk berinteraksi dengan activities including interacting with stakeholders.
pemangku kepentingan. Untuk itu, Kode etik For this reason, the code of ethics of bank bjb
bank bjb berlaku bagi seluruh insan bank is applied to all members of the bank bjb at all
bjb di seluruh jenjang organisasi. Penerapan levels of the organization. The application of the
pedoman kode etik bank bjb dilaksanakan bank bjb Code of Ethics is carried out continuously
secara terus menerus dan berkesinambungan and continuously in the form of attitudes, actions,
dalam bentuk sikap, perbuatan, komitmen dan commitments and provisions supporting the
ketentuan mendukung terciptanya budaya creation of corporate culture.
perusahaan.
Kode Etik disosialisasikan melalui kegiatan- The Code of Ethics is socialized through
kegiatan sosialisasi yang dilaksanakan oleh socialization activities carried out by the Work Unit
Satuan Kerja Kepatuhan serta pada kesempatan Compliance as well as on educational and training
pendidikan dan pelatihan oleh Satuan Kerja opportunities by the Compliance Work Unit.
Kepatuhan.
Upaya Penerapan dan Penegakan Kode Etik Efforts To Apply and Enforcement Code of Ethics
Upaya dalam penerapan dan penegakan kode Efforts in the application and enforcement of the
etik, bank bjb telah mempunyai ketentuan code of ethics, the bank bjb already has internal
internal yaitu Surat Keputusan Direksi Nomor provisions, namely Directors Decree Number
0139/SK/DIR-HC/2017 tanggal 4 Mei 2017 0139/SK/DIR-HC/2017 dated May 4th, 2017,
tentang Pedoman Disiplin Pegawai. Ketentuan regarding Employee Discipline Guidelines. The
dimaksud diterapkan untuk mengamankan aforementioned provisions are applied to secure
kepentingan Bank, menegakkan tata tertib the interests of the Bank, uphold the rules of the
pegawai lingkungan bank bjb dan sebagai employee of the bank bjb environment and as a
sarana pembinaan pegawai. means of employee coaching.
Pedoman Disiplin Pegawai memiliki bentuk The Employee Discipline Guidelines take the form
sanksi kepegawaian antara lain: of staffing sanctions including:
1. Ganti Kerugian 1. Indemnification
2. Sanksi Administratif 2. Administrative Sanctions
Tingkat dan Jenis Sanksi Administratif terdiri The level and type of administrative sanctions
dari: consist of:
a. Sanksi administratif Ringan berupa a. Minor administrative sanctions in the form
Pembinaan dan Teguran of guidance and reprimand
b. Sanksi adminitratif Sedang berupa b. Medium administrative sanctions in the form
Peringatan I, Peringatan II, dan Peringatan III of Warning I, Warning II, and Warning III
Jumlah Pelanggaran dan Sanksi yang Number of Violations and Sanctions Provided
Diberikan
Selama tahun 2019, sanksi yang diberikan During 2019, there were 133 (one hundred thirty-
kepada pegawai sebanyak 133 (seratus tiga three) employees with the following details:
puluh tiga) orang dengan rincian sebagai
berikut:
dan tujuan perusahaan. Salah satu etika perilaku vision, mission and goals. One of the behavioral
yang terdapat pada code of conduct yaitu standar ethics contained in the code of conduct is ethical
etika untuk menghindari benturan kepentingan standards to avoid conflicts of interest (handling
(penanganan benturan kepentingan/conflict of conflicts of interest) and misuse of positions and
interest) dan penyalahgunaan jabatan serta etika ethics to not accept gratuities in any form related
untuk tidak menerima gratifikasi dalam bentuk to the position.
apapun yang berhubungan dengan jabatan.
Sistem pelaporan penerimaan gratifikasi setiap The reporting system for gratuity acceptance for
insan bank bjb yang menerima gratifikasi yang every bank bjb person who receives gratuities that
dianggap suap atau gratifikasi yang terkait are considered as bribery or gratuities related to
kedinasan wajib melaporkan penerimaan official services has to report it to the Gratification
tersebut kepada Unit Pengendalian Gratifkasi Control Unit (UPG) no later than 7 (seven) working
(UPG) selambat – lambatnya 7 (tujuh) hari kerja days of receiving gratuities.
sejak penerimaan gratifikasi.
Dalam melaksanakan program pengendalian In carrying out the gratification control program
gratifikasi dan perseroan telah melaksanakan and the company has conducted socialization held
sosialisasi yang diselenggarakan dalam bentuk in the form of Training of Trainers to Managerial
Training of Trainer kepada perwakilan level level representatives at the Branch Office.
Managerial di Kantor Cabang.
Whistleblowing System berperan penting The Whistleblowing System has an important role
dalam meningkatkan pelaksanaan tata kelola in improving the implementation of good corporate
perusahaan yang baik serta serta merupakan governance and is also part of maintaining the
bagian dari pemeliharaan budaya dan culture and awareness of anti-fraud in the ranks
kepedulian atas anti fraud di jajaran organisasi of the bank bjb organization. In order to increase
bank bjb. Dalam rangka meningkatkan efektivitas the effectiveness of the implementation of Good
penerapan Good Corporate Governance melalui Corporate Governance through the active role
peran aktif para pelapor (whistleblower) maka of whistleblowers, bank bjb have established a
bank telah membentuk Sistem Pengaduan Whistleblowing Complaints System (Whistleblowing
Pelanggaran berupa bjb WBS (Whistleblowing System).
System).
Kebijakan Whistleblowing System bank bjb The bank bjb Whistleblowing System policy is
dituangkan dalam Surat Keputusan Direksi No. outlined in Directors Decree No. 708/SK/DIR-
708/SK/DIR-KP/2014 tanggal 7 Oktober 2014 KP/2014 dated October 7th, 2014 concerning
tentang Tata Kerja Pelaporan Pelanggaran Work Procedures for Reporting Violations
(Whistleblowing) di Lingkungan PT. Bank (Whistleblowing) in the PT. Bank Pembangunan
Pembangunan Daerah Jawa Barat dan Banten, daerah Jawa Barat dan Banten, Tbk., which
Tbk., yang telah diperbaharui dalam Surat have been updated in Directors’ Decree No.
Keputusan Direksi No. 1079/SK/DIR-AI/2016 1079/SK/DIR-AI/2016 dated December 1st, 2016
tanggal 1 Desember 2016 tentang Standar concerning Standard Operating Procedure (SOP)
Operasional Prosedur (SOP) Whistleblowing of Whistleblowing System. The application of the
System. Penerapan Whistleblowing System di Whistleblowing System at bank bjb aims to:
bank bjb bertujuan untuk:
1. Membangun sistem penanganan pelaporan 1. Establish a system for handling violation
pelanggaran yang tanggap, transparan, reporting that is responsive, transparent, safe
aman dan bertanggung jawab. and responsible.
2. Menyediakan fasilitas dan panduan yang 2. Provide clear and consistent facilities and
jelas dan konsisten bagi pelapor untuk guidelines for reporters to submit allegations
menyampaikan dugaan adanya pelanggaran of violations of bank policies and regulations
terhadap kebijakan dan ketentuan bank as well as laws and regulations.
serta peraturan perundang-undangan.
Jenis Pelanggaran yang Dapat Dilaporkan Types of Violations That Can Be Reported
Adapun jenis pelanggaran yang dapat dilaporkan The types of violations that can be reported are as
adalah sebagai berikut. follows.
Kecurangan Perbuatan untuk memperoleh keuntungan pribadi Acts for personal gain that are carried out dishonestly/ethically
Fraud yang dilakukan secara tidak jujur/etis dan melanggar and in violation of internal regulations or laws
ketentuan internal atau perundang-undangan
Penggelapan Perbuatan mengambil atau menyalahgunakan aset Actions of taking or misusing Bank assets for personal gain
Embezzlement Bank untuk kepentingan pribadi
Pemalsuan Melakukan rekayasa untuk menutupi kondisi yang Manipulation to cover up the actual conditions
Counterfeiting sebenarnya
Korupsi Perbuatan yang dilakukan dengan tujuan untuk Acts carried out with the aim to benefit oneself or another
Counterfeiting menguntungkan diri sendiri atau orang lain atau person or a company by abusing the authority, opportunity or
suatu perusahaan dengan cara menyalahgunakan means available to him because of his position or position that
kewenangan, kesempatan atau sarana yang ada causes state/bank losses, including in the form of:
padanya karena jabatan atau kedudukan yang • Conflicts of interest
menyebabkan kerugian negara/Bank, diantaranya • Gratuities
dalam bentuk: • Bribery
Benturan kepentingan
Gratifikasi
Penyuapan
Pemerasan Perbuatan untuk memperoleh sesuatu yang memiliki Actions to obtain something that has economic value/benefits
Pemerasan nilai/manfaat ekonomis yang disertai dengan accompanied by threats or coercion
ancaman atau paksaan
Penipuan Perbuatan untuk menguntungkan diri sendiri atau Actions to benefit yourself or others against the law by way of
Fraud orang lain secara melawan hukum dengan cara deception or a series of lies
melakukan tipu muslihat atau rangkaian kebohongan
Pembocoran Informasi Perbuatan memberikan atau menyebarluaskan The act of giving or disseminating confidential Bank
Information Leakage informasi milik Bank yang bersifat rahasia kepada information to other unauthorized parties
pihak lain yang tidak berkepentingan
Tindak Pidana Bidang Tindak pidana yang menyangkut perbuatan yang Criminal acts relating to acts related to banking and
Perbankan berkaitan dengan perbankan dan diancam dengan threatened with crime, specifically contained only in the laws
Banking Crimes pidana, yang termuat khusus hanya dalam undang- governing banking
undang yang mengatur mengenai perbankan
Tindakan Lainnya Segala jenis perbuatan yang diancam dengan All types of acts that are threatened with criminal penalties
Other Actions hukuman pidana yang berkaitan dengan kegiatan relating to bank operations.
operasional bank.
Untuk meningkatkan efektivitas penanganan To improve the effectiveness of report handling, the
laporan, pelapor dapat menyampaikan reporter can submit the following information:
beberapa informasi berikut:
1. Identitas diri, meliputi nama pelapor 1. Personal identity, including the reporter’s name
(diperbolehkan anonim), Nomor telepon (allowed anonymous), telephone number or
atau alamat email yang dapat dihubungi. email address that can be contacted.
2. Memberikan indikasi awal yang dapat 2. Provide initial indications that can be
dipertimbangkan, meliputi: considered, including:
3. Pihak yang terlibat 3. The involved parties
4. Bentuk/jenis fraud 4. Form/type of fraud
5. Lokasi dan waktu kejadian 5. Location and time of the incident
6. Kronologis kejadian 6. Chronology of events
7. Informasi/keterangan lainnya 7. Other information
Jumlah Pengaduan dan Tindak Lanjutnya Number of Complaints and Its Follow Up
Pada tahun 2019 terdapat 16 (enam belas) In 2019 there were 16 (sixteen) complaints through
pengaduan melalui Whistleblowing System. the Whistleblowing System.
Sebagai tindak lanjut kejadian fraud, selama As a follow up to the fraud incident, during 2019
tahun 2019 bank bjb telah berupaya melakukan the bank bjb has tried to take steps to resolve the
langkah-langkah penyelesaian fraud, antara lain: fraud, including:
a. Pemberian sanksi kepegawaian dengan a. Giving sanctions for the employee with the
kriteria sanksi sebagai berikut: following criteria of sanctions:
• Pembinaan • Training
• Teguran • Rebuke
• Peringatan I • Warning I
• Peringatan II • Warning II
• Peringatan III • Warning III
• Pernyataan Tidak Puas • Dissatisfaction Statement
• Pemberhentian Sebagai Pegawai • Dismissal as an Employee
b. Upaya hukum dengan melaporkan pelaku a. Legal remedies by reporting fraud perpetrators
fraud ke Kepolisian sebagai bagian dari to the Police as part of the implementation of
implementasi program “Zero Tolerance For the “Zero Tolerance for Fraud” program
Fraud”
Selain hal tersebut, dengan kedudukan bank bjb Furthermore, as a Financial Services Institution
sebagai Lembaga Jasa Keuangan yang Pemegang whose controlling shareholder is the West Java
Saham Pengendalinya adalah Pemerintah Provincial Government, bank bjb has a relationship
Provinsi Jawa Barat, bank bjb memiliki with the Financial Services Institution owned by the
keterkaitan dengan Lembaga Jasa Keuangan West Java Provincial Government. Therefore, the
yang dimiliki oleh Pemerintah Provinsi Jawa Company has a controlling relationship with the
Barat. Hal ini menjadikan Perseroan memiliki Financial Services owned by the Government of
hubungan pengendalian dengan Lembaga West Java Province. Based on this, the Company
Jasa Keuangan yang dimiliki oleh Pemerintah and all financial service institutions that have
Provinsi Jawa Barat. Atas dasar inilah Perseroan ownership and control relationships can be
bersama seluruh Lembaga jasa Keuangan categorized as a Financial Conglomerate.
yang memiliki hubungan kepemilikan maupun
hubungan pengendalian dapat dikategorikan
sebagai suatu Konglomerasi Keuangan.
Sebagai bagian dari Konglomerasi Keuangan As a part of the Financial Conglomerate, the bank
tersebut, bank bjb berkeinginan untuk dapat bjb is willing to be able to play an active role in
berperan aktif di dalam melaksanakan tata implementing integrated governance in accordance
kelola terintegrasi sesuai Peraturan Otoritas with Financial Services Authority Regulation number
Jasa Keuangan Nomor 18/POJK.03/2014 tentang 18/POJK.03/2014 concerning The Implementation
Penerapan Tata Kelola Bagi Konglomerasi of Governance for the Integrated Conglomerates.
Keuangan. Dengan demikian, pelaksanaan Thus, the implementation of governance carried
tata kelola yang dilakukan secara terintegrasi out in an integrated manner in the future can
tersebut ke depannya dapat mewujudkan suatu create a healthy financial conglomerate that can
konglomerasi keuangan yang sehat yang dapat participate in creating a financial service sector
berpartisipasi di dalam menciptakan sektor jasa that grows in a sustainable and stable manner.
keuangan yang tumbuh secara berkelanjutan
dan stabil.
• Pejabat Eksekutif Entitas Utama yang • Executive Officers of the Main Entity carrying
melaksanakan fungsi Pelaporan out the Financial Reporting;
Keuangan;
• Pejabat Eksekutif Entitas Utama yang • Executive Officers of the Main Entity carrying
melaksanakan fungsi Pengelolaan Anak out the Management functions of the
Perusahaan; Subsidiary;
• Anggota SKMRT • Members of Risk Management Work Unit
Anggota Tidak Tetap: Non-Permanent Members:
• Perwakilan Direktur LJK dalam • Representatives of the Directors of LJK in the
Konglomerasi Keuangan; Financial Conglomerate;
• Pejabat Eksekutif Entitas Utama diluar • Main Entity Executive Officers who are not
anggota tetap; the permanent members;
• Perwakilan anggota tetap Pejabat • Representatives of Permanent members of
Eksekutif Entitas Utama the Main Entity Executive Officer
Anggota tidak tetap: Pejabat Eksekutif Non-permanentmembers: Executive
Lembaga Jasa Keuangan dalam Officers of Financial Services Institutions
Konglomerasi Keuangan yang memiliki within Financial Conglomerates that have a
keterkaitan dengan topik pembahasan connection with the topic discussion.
4. Penyusunan Pedoman Tata Kelola 1. Preparation of Integrated Governance
Terintegrasi Guidelines
Sebagai Entitas Utama, Bank juga memiliki As the Main Entity, the bank has the obligation
kewajiban untuk menyusun Pedoman to prepare the Integrated Governance
Tata Kelola Terintegrasi. Penyusunan Guidelines. The preparation of the Integrated
Pedoman Tata Kelola Terintegrasi dimaksud Governance Guidelines referred to the Financial
berpedoman kepada Peraturan Otoritas Services Authority Regulation Number 18/
Jasa Keuangan Nomor 18/ POJK.03/2014 POJK.03/2014 concerning The Implementation
tentang Penerapan Tata Kelola Bagi of Governance for the Financial Conglomerate
Konglomerasi Keuangan serta ketentuan- and the provisions that apply to each
ketentuan yang berlaku bagi masing-masing Financial Services Institution incorporated in
Lembaga Jasa Keuangan yang tergabung the Financial Conglomerate. The bank has
di dalam Konglomerasi Keuangan. Bank established integrated governance guidelines
telah menetapkan pedoman tata kelola through Directors Decree Number 0104/SK/
terintegrasi melalui Surat Keputusan Direksi DIR-KP/2016 dated February, 2016 concerning
Nomor 0104/ SK/DIR-KP/2016 tanggal 15 Integrated Governance Policies in the Financial
Februari 2016 tentang Kebijakan Tata Kelola Conglomerate of PT Bank Pembangunan
Terintegrasi dalam Konglomerasi Keuangan Daerah Jawa Barat dan Banten, Tbk., which the
PT Bank Pembangunan Daerah Jawa Barat Policy has been obtained the approval of the
dan Banten, Tbk., yang mana Kebijakan Board of Commissioners in accordance with
tersebut telah mendapat persetujuan Letter Number 010/DK/2016 dated February
Dewan Komisaris sesuai dengan Surat 4th, 2016 concerning Approval of the Integrated
Nomor 010/DK/2016 tanggal 4 Februari Governance Policy.
2016 perihal Persetujuan atas Kebijakan
Tata Kelola Terintegrasi.
Hasil Assessment Tata Kelola Terintegrasi The results of the Integrated Governance Assessment
Periode Januari – Juni 2019 adalah sebagai for the period of January – June 2019 are presented
berikut. as follows.
Analisis Analysis
Berdasarkan analisis terhadap indikator pada seluruh faktor Based on the analysis of the indicators on all factors evaluating the
penilaian pelaksanaan Tata Kelola Terintegrasi disimpulkan bahwa: implementation of Integrated Governance, it was concluded that:
A. Struktur Tata Kelola Terintegrasi A. The Structure of Integrated Governance
Nilai-nilai yang mencerminkan kekuatan aspek struktur Tata Values that reflect the strength of The Structures of Integrated
Kelola Terintegrasi Konglomerasi Keuangan adalah: Governance of the Financial Conglomerate are:
• Direksi dan Dewan Komisaris Entitas Utama telah dinyatakan • The directors and board of Commissioners of the Main Entity have
lulus uji kemampuan dan kepatutan (fit and proper test) yang been declared to have passed the fit and proper test conducted by
diselenggarakan oleh Otoritas Jasa Keuangan sehingga the Financial Services Authority so that they meet the requirements
memenuhi persyaratan integritas, kompetensi dan reputasi of integrity, competence and financial reputation that must be
keuangan yang harus dimiliki oleh Direksi dan Dewan owned by the Directors and the Board of Commissioners of the
Komisaris Entitas Utama; Main Entity;
• Entitas Utama telah membentuk Komite Tata Kelola • The Main Entity has formed an Integrated Governance Committee
Terintegrasi yang diketuai oleh Komisaris serta Pihak chaired by the Commissioner and an Independent Party as a
Independen sebagai anggota Komite Tata Kelola Terintegrasi; member of the Integrated Governance Committee;
• Jumlah dan komposisi Komisaris Independen telah sesuai • The number and composition of Independent Commissioners are in
dengan kebutuhan Konglomerasi Keuangan serta efisiensi accordance with the needs of the Financial Conglomerate as well as the
dan efektivitas pelaksanaan tugas Komite telah memenuhi efficiency and effectiveness in carrying out the duties of the Committee
keterwakilan masing-masing sektor jasa keuangan; in fulfilling the representation of each financial service sector;
• Satuan Kerja Kepatuhan Terintegrasi Entitas Utama bertindak • The Main Entity Integrated Compliance Work Unit acts
secara independen terhadap Satuan Kerja Operasional yang independently of the existing Operational Work Unit, and consists
ada, dan terdiri dari sumber daya manusia yang berkualitas; of qualified human resources;
• Kedudukan Satuan Kerja Audit Internal telah independen • The position of the Internal Audit Work Unit is independent from
terhadap Satuan Kerja Operasional dan berada di bawah garis the Operational Work Unit and is under the direct command of
komando langsung dari Direktur Utama serta memiliki garis the President Director and has a line of coordination with the
koordinasi dengan Dewan Komisaris sesuai dengan Piagam Board of Commissioners in accordance with the Internal Audit
Audit Internal; Charter;
• Direksi Entitas Utama telah memenuhi kebutuhan sumber • The Directors of the Main Entity have fulfilled the needs of
daya manusia yang memadai baik secara individual maupun adequate human resources both individually and collectively for
kolektif untuk pelaksanaan fungsi Satuan Kerja Audit Internal; the implementation of the Internal Audit Work Unit;
• Sebagai wujud penerapan Manajemen Risiko yang baik, Entitas • As a form of good risk management implementation, the Main
Utama telah memiliki struktur organisasi yang memadai; Entity has an adequate organizational structure;
• Entitas Utama telah memiliki kebijakan serta pedoman • Main Entity has integrated risk management policies and
manajemen risiko terintegrasi mencakup pengelolaan guidelines covering risk management that have been determined
manajemen risiko yang telah ditetapkan oleh regulator; by the regulator;
• Kebijakan Tata Kelola Terintegrasi terdiri dari atas kerangka • The integrated Governance Policy consists of an Integrated
Tata kelola Terintegrasi bagi Entitas Utama dan Lembaga Jasa Governance framework for Main Entities and Financial Services
Keuangan; Institutions;
• Kerangka Tata Kelola Terintegrasi bagi Entitas Utama dan • Integrated Corporate Governance Framework for Main Entities
Lembaga Jasa Keuangan telah sesuai dengan ketentuan and Financial Services Institutions in accordance with regulatory
regulator. provisions.
Analisis Analysis
B. Proses Tata Kelola Terintegrasi B. The Process of Integrated Governance
• Nilai-nilai yang mencerminkan kekuatan aspek proses Tata Values that reflect the strength of the Process of Financial
Kelola Terintegrasi Konglomerasi Keuangan adalah: Conglomerate Integrated Governance are:
• Direksi Entitas Utama telah menyampaikan Pedoman Tata • The Directors of the Main Entity have submitted the Integrated Governance
Kelola Terintegrasi kepada Direksi Lembaga Jasa Keuangan Guidelines to have submitted the Integrated Governance Guidelines to the
dalam Konglomerasi Keuangan; Directors of Financial Services Institutions in the Financial Conglomerate;
• Direksi Entitas Utama telah memberikan arahan, memantau, • The directors of the Main Entity have given directions, monitored,
dan mengevaluasi pelaksanaan Pedoman Tata Kelola and evaluated the implementation of the Integrated Governance
Terintegrasi melalui kegiatan Focus Group Disscussion; Guidelines through the Focus Group Discussion;
• Direksi Entitas Utama telah menindaklanjuti seluruh arahan • The Board of Directors of the Main Entity has followed up all
atau nasihat Dewan Komisaris dalam rangka penyempurnaan directions or advice of the Board of Commissioners in the context
Pedoman Tata Kelola Terintegrasi; of perfecting the Integrated Governance Guidelines;
• Direksi Entitas Utama telah menindaklanjuti temuan Satuan • The Board of Directors has followed up on the findings of the
Kerja Audit Intern dan Satuan Kerja Kepatuhan Terintegrasi Internal Audit Work Unit and the Integrated Compliance Work
serta melakukan monitoring dan pengawasan melalui Divisi Unit and conducted monitoring and supervision through the
Manajemen Anak Perusahaan; Subsidiary Management Division;
• Dewan Komisaris telah telah menyelenggarakan rapat Dewan • The Board of Commissioners has held regular meetings of the
Komisaris Entitas Utama secara rutin sesuai ketentuan yang Main Entity Board in accordance with applicable regulations;
berlaku;
• Dewan Komisaris Entitas Utama telah melakukan pengawasan • The Board of Commissioners of Main Entity has supervised the
atas pelaksanaan tugas dan tanggung jawab Direksi Entitas implementation of the duties and responsibilities of the Main
Utama melalui rapat rutin Dewan Direksi dan Dewan Komisaris Entity Board of Directors through regular monthly meetings of the
setiap bulannya; Board of Directors and the Board of Commissioners;
• Dewan Komisaris Entitas Utama telah melakukan pengawasan • The Board of Commissioners of the Main Entity has overseen the
terhadap pelaksanaan penerapan Tata Kelola Terintegrasi implementation of applying the Integrated Governance through
melalui rapat Komite Tata Kelola Terintegrasi; Integrated Governance Committee meetings;
• Dewan Komisaris telah melakukan evaluasi dan memberikan • The Board of Commissioners has evaluated and approved the
persetujuan terhadap Penyusunan Pedoman Tata Kelola Compilation of the Integrated Corporate Governance Guidelines
Terintegrasi yang telah ditetapkan oleh Direksi; established by the Directors.
• Komite Tata Kelola Terintegrasi telah melakukan evaluasi • The Integrated Governance Committee has evaluated the
terhadap pelaksanaan Tata Kelola Terintegrasi baik penilaian implementation of the Integrated Governance both the assessment
kecukupan Pengendalian Intern dan pelaksanaan fungsi of the adequacy of Internal Control and the implementation of the
Kepatuhan Terintegrasi; Integrated Compliance;
• Komite Tata Kelola Terintegrasi telah menyelenggarakan rapat • The integrated Governance Committee has held 2 (two) sessions in
Komite Tata Kelola Terintegrasi selama periode semester I the Integrated Governance Committee during the first semester of
Tahun 2019 sebanyak 2 (dua) kali; 2019;
• Satuan Kerja Kepatuhan Terintegrasi telah melakukan • The integrated Compliance Work Unit has carried out the
pelaksanaan pemantauan fungsi Kepatuhan pada Lembaga monitoring of the Compliance function at the Financial Services
Jasa Keuangan dalam Konglomerasi Keuangan melalui kegiatan Institutions in the Financial Conglomerate through the Focus
Focus Group Discussion; Group Discussion
• Satuan kerja Audit Internal telah memantau pelaksanaan • The Internal Audit work unit has monitored the implementation of
fungsi pelaksanaan Audit Internal pada Lembaga Jasa the functions of Internal Audit at Financial Services Institutions in
Keuangan dalam Konglomerasi Keuangan selama periode the Financial Conglomerate during the First and Second Quarter
Triwulan I dan II Tahun 2019; of 2019;
• Entitas Utama telah menerapkan Manajemen Risiko • The Main Entity has implemented Integrated Risk Management in
Terintegrasi sesuai dengan ketentuan Otoritas Jasa Keuangan accordance with the provisions of the Financial Services Authority
pada Lembaga Jasa Keuangan dalam Konglomerasi Keuangan at the Financial Services Institution in the Financial Conglomerate
melalui kegiatan Focus Group Discussion selama periode through the Focus Group Discussion during the Semester I period
Semester I Tahun 2019; of 2019;
• Pelaksanaan proses Tata Kelola Terintegrasi oleh Entitas • The implementation of the Integrated Governance process by the
Utama dan Lembaga Jasa Keuangan dalam Konglomerasi Main Entity and Financial Services Institutions in the Financial
Keuangan telah berpedoman kepada Kebijakan Tata Kelola Conglomerate has been guided by the Integrated Governance
Terintegrasi. Policy.
Analisis Analysis
C. Hasil Tata Kelola Terintegrasi C. The results of Integrated Governance
Nilai-nilai yang mencerminkan kekuatan aspek proses Tata Kelola Values that reflect the strength of Financial Conglomerate Integrated
Terintegrasi Konglomerasi Keuangan adalah: Governance process are:
• Pedoman Tata Kelola Terintegrasi telah dilakukan penyesuaian • The Integrated Governance Guidelines have been adjusted
according to the directions of the Board of Commissioners of
sesuai dengan arahan Dewan Komisaris Entitas Utama dan the Main Entity and are still relevant to the conditions in the first
masih relevan dengan kondisi pada semester I Tahun 2019; semester of 2019;
• Direksi Entitas Utama telah memantau dan monitoring temuan • The Board of Directors of the Main Entity has monitored audit’s
audit serta rekomendasi atas pemeriksaan umum; findings as well as the recommendations for general audits;
• Hasil rapat Dewan Komisaris Entitas Utama telah dituangkan • The results of the Board of Commissioners’ meetings of the Main
dalam risalah rapat; Entity have been stated in the minutes of meetings;
• Dewan Komisaris Entitas Utama telah memberikan • The Board of Commissioners of the Main Entity has provided
rekomendasi mengenai penerapan Tata Kelola Terintegrasi recommendations regarding the application of Integrated
melalui rapat Komite Tata Kelola Terintegrasi; Governance through Integrated Governance Committee meetings;
• Dewan Komisaris Entitas Utama telah membentuk Komite Tata • The Board of Commissioners of the Main Entity has formed an
Kelola Terintegrasi; Integrated Governance Committee;
• Komite Tata Kelola Terintegrasi telah melaksanakan kegiatan • The Integrated Governance Committee has conducted an
evaluasi pelaksanaan Tata Kelola Terintegrasi melalui rapat evaluation of the implementation of the Integrated Governance
selama periode semester I Tahun 2019; through meetings during the first semester period of 2019;
• Komite Tata Kelola Terintegrasi telah memberikan • The Integrated Governance Committee has provided
rekomendasi untuk penyempurnaan Kebijakan Tata Kelola recommendation for improving the Integrated Governance Policy
Terintegrasi yang telah ditetapkan dan diberlakukan; that has been established and implemented;
• Hasil rapat Komite Tata Kelola Terintegrasi telah • The results of the Integrated Governance Committee meeting have
didokumentasikan dengan baik dalam risalah rapat; been well documented in the minutes of meeting;
• Satuan Kerja Kepatuhan Terintegrasi telah menyampaikan • The Integrated Compliance Work Unit has submitted reports on
laporan pelaksanaan tugas dan tanggung jawabnya kepada the implementation of its duties and responsibilities to the Director
Direktur yang membawahkan fungsi Kepatuhan Entitas Utama; in charge of the Main Entity Compliance;
• Satuan Kerja Audit Internal Terintegrasi telah menyampaikan • The integrated Internal Audit Work Unit has submitted the
laporan Audit Internal Terintegrasi periode Triwulan I – II Integrated Internal Audit report for the first quarter of 2019 to the
Tahun 2019 kepada Direktur yang ditunjuk untuk melakukan Director appointed to supervise LJK in the Financial Conglomerate,
pengawasan terhadap LJK dalam Konglomerasi Keuangan, Board of Commissioners, and the Compliance Director;
Dewan Komisaris, dan Direktur Kepatuhan; • The Integrated Internal Audit Work Unit has acted objectively in
• Satuan Kerja Audit Internal Terintegrasi telah bertindak monitoring the implementation of audits;
obyektif dalam melakukan pemantauan pelaksanaan audit; • Recommendations on audits results are in accordance with the
• Rekomendasi hasil audit telah sesuai dengan permasalahan problem and can be used as a reference for improvement and
dan dapat digunakan sebagai acuan perbaikan serta telah have been submitted to each Financial Services Institution’s
disampaikan kepada masing-masing manajemen Lembaga Jasa management at the Finance Conglomerate in an exit meeting;
Keuangan pada Konglomerasi Keuangan dalam exit meeting; • The Main Entity has implemented Integrated Risk Management
• Entitas Utama telah menerapkan Manajemen Risiko effectively by carrying out reporting obligations in accordance with
Terintegrasi secara efektif dengan melaksanakan kewajiban the provisions of the Financial Services Authority;
pelaporan sesuai ketentuan Otoritas Jasa Keuangan; • The Board of Directors and Board of Commissioners of the Main
• Direksi dan Dewan Komisaris Entitas Utama telah mampu Entity have been able to carry out their duties and responsibilities
melakukan tugas dan tanggung jawabnya terkait Manajemen related to Integrated Risk Management in accordance with
Risiko Terintegrasi sesuai ketentuan Otoritas Jasa Keuangan the provisions of the Financial Services Authority through the
melalui rapat Komite Tata Kelola Terintegrasi; Integrated Governance Committee meeting;
• Hasil pelaksanaan Tata Kelola Terintegrasi telah mencerminkan • The results of the implementation of Integrated Governance
bahwa Entitas Utama dan LJK dalam konglomerasi Keuangan have reflected that the Main Entity and LJK in the Financial
telah menerapkan prinsip-prinsip Tata Kelola yang baik sesuai Conglomerate have applied the principles of Good Governance
ketentuan yang berlaku, yang tercermin dalam pelaksanaan in accordance with applicable regulations, which are reflected
kegiatan Focus Group Discussion, review terhadap kerangka in the implementation of Focus Group Discussion activities, a
infrastruktur atas penerapan fungsi Audit Internal, fungsi review of the infrastructure framework for the implementation of
Kepatuhan, dan fungsi Manajemen Risiko diseluruh Lembaga the Internal Audit function, Compliance and Risk Management
Jasa Keuangan. functions throughout the Financial Services Institutions.
The results of the Integrated Governance Assessment The results of the Integrated Governance Assessment
Period July - December 2019 are as follows. Period July - December 2019 are as follows.
Analisis Analysis
Berdasarkan analisis terhadap indikator pada seluruh faktor Based on the analysis of the indicators on all factors evaluating the
penilaian pelaksanaan Tata Kelola Terintegrasi disimpulkan bahwa: implementation of Integrated Governance, it was concluded that:
A. Struktur Tata Kelola Terintegrasi A. The Structure of Integrated Governance
• Nilai-nilai yang mencerminkan kekuatan aspek struktur Tata Values that reflect the strength of the Structure of Integrated
Kelola Terintegrasi Konglomerasi Keuangan adalah: Governance of the Financial Conglomerate are:
• Direksi dan Dewan Komisaris Entitas Utama telah dinyatakan • The Directors and Board of Commissioners of the Main Entity
lulus uji kemampuan dan kepatutan (fit and proper test) yang have been declared to have passed the fit and proper test
diselenggarakan oleh Otoritas Jasa Keuangan sehingga conducted by the Financial services Authority so that they
memenuhi persyaratan integritas, kompetensi dan reputasi meet the requirements of integrity, competence and financial
keuangan yang harus dimiliki oleh Direksi dan Dewan reputation that must be owned by the Directors and the Board of
Komisaris Entitas Utama; Commissioners of the Main Entity;
• Entitas Utama telah membentuk Komite Tata Kelola • The Main Entity has formed an Integrated Governance Committee
Terintegrasi yang diketuai oleh Komisaris serta Pihak chaired by the Commissioner and an Independent Party as a
Independen sebagai anggota Komite Tata Kelola Terintegrasi; member of the Integrated Governance Committee;
• Jumlah dan komposisi Komisaris Independen telah sesuai • The number and composition of Independent Commissioners are in
dengan kebutuhan Konglomerasi Keuangan serta efisiensi accordance with the needs of the Financial Conglomerate as well as the
dan efektivitas pelaksanaan tugas Komite telah memenuhi efficiency and effectiveness in carrying out the duties of the Committee
keterwakilan masing-masing sektor jasa keuangan;