AR BJB 2018 IDX · 2019-12-31 · Operational Highlight 20 Informasi Harga Saham ... Manajemen...

2018Laporan TahunanAnnual Report

PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.

IDX : BJBR

Empowering Local Potential,Contributing to National Development

Di tengah ketidakpastian dan tantangan ekonomi tahun 2018, bank bjb mampu membukukan kinerja yang memuaskan, melanjutkan catatan pencapaian kinerja positif yang ditorehkan dalam beberapa tahun terakhir ini. Prestasi ini menempatkan bank bjb semakin dekat pada aspirasinya untuk menjadi salah satu jajaran 10 besar bank nasional yang berkinerja baik. Pada saat bersamaan, bank bjb tidak melupakan misinya untuk menjadi penggerak perekonomian daerah khususnya bagi daerah Jawa Barat. Melalui berbagai program untuk mendorong inklusivitas layanan perbankan di masyarakat serta untuk lebih mengedepankan keberpihakan pada sektor usaha mikro, kecil dan menengah (UMKM), bank bjb terus berupaya memberdayakan potensi lokal sebagai bagian dari pembangunan nasional Indonesia.

In the midst of economic uncertainty and challenges in 2018, bank bjb was

able to post satisfactory performance, continuing the record of positive

performance achieved in recent years. This achievement placed bank bjb closer

to its aspirations to become one of the top 10 national banks with excellent

performance. At the same time, bank bjb did not forget its mission to be an

driver of regional development, especially for the West Java region. Through

various programs to encourage inclusiveness of banking services in the

community and to prioritize the development of the micro, small and medium

enterprises (MSME) sector, bank bjb continues to strive to empower local

potential as part of Indonesia’s national development.

Memberdayakan Potensi Lokal, Berkontribusi Membangun NegeriEmpowering Local Potential,Contributing to National Development

2

Laporan Tahunan 2018 | PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk.

Penunjang BisnisTata Kelola PerusahaanTanggung Jawab Sosial PerusahaanLaporan Keuangan

Kilas KinerjaLaporan ManajemenProfil PerusahaanAnalisis & Pembahasan Manajemen

DAFTAR ISITable of Contents

40 LAPORAN MANAJEMENManagement Report

42 Laporan Dewan Komisaris The Board of Commissioners Report

56 Laporan Direksi The Board of Directors Report

76 Dewan Komisaris Board of Commissioners

77 Direksi Board of Directors

78 Tanggung Jawab Pelaporan Tahunan 2018 The Responsibility of 2018 Annual Reporting

14 KILAS KINERJAPerformance Flashback

14 KILAS KINERJA Performance Flashback

17 Ikhtisar Operasional Operational Highlight

20 Informasi Harga Saham Shares Price Information

22 Laporan Analis Perusahaan Corporate Analyst Report

22 Aksi Korporasi Corporate Action

1Memberdayakan Potensi Lokal,Berkontribusi Membangun NegeriEmpowering Local Potential,Contributing to National Development

2 Daftar Isi Table of Contents

6 Kesinambungan Tema Theme Continuity

8 Pencapaian Kinerja Performance Highlight

10 Jejak Langkah Milestones

12 Keunggulan Kami Our Advantages

24

Aksi Penghentian SementaraPerdagangan Saham (Suspension) Dan/Atau Penghapusan Pencatatan Saham(Delisting) Shares Suspension and/or Delisting

25Informasi Obligasi, Sukukdan/atau Obligasi Konversi Information on Bond, Sukuk and/or Convertible Bond

25 INFORMASI OBLIGASI Information on Bond

25 Informasi Sukuk Information on Sukuk

25 Informasi Obligasi Konversi Information on Convertible Bond

26 Informasi Sumber Pendanaan Lain Information Other Funding Sources

27 Peristiwa Penting di Tahun 2018 Significant Events in 2018

3

PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. | Annual Report 2018

Performance FlashbackManagement Report

Company ProfileManagement Discussion & Analysis

Business SupportGood Corporate Governance

Corporate Social ResponsibilityFinancial Report

80 PROFIL PERUSAHAANCompany Profile

82 Identitas Perusahaan Company Identity

83 Riwayat Singkat Perusahaan Company Brief History

86 Brand Perusahaan Company Identity

88 Bidang Usaha Line of Business

90 Produk dan Jasa Products and Services

114 Peta Wilayah Usaha Business Territory Map

116 Struktur Organisasi Organization Structure

118 Visi, Misi, dan Budaya PerusahaanVision, Mission, and Corporate Culture

121 Profil Dewan Komisaris Board of Commisioners Profile

123 Profil Direksi Board of Directors Profile

127 Profil Pejabat Eksekutif Profile of Executive Officers

138Profil dan PengembanganKompetensi Karyawan Employee Profiles and Competence Development

146 Komposisi Pemegang Saham Shareholders Composition

152Daftar Perusahaan Anak danPerusahaan Terelasi List of Subsidiaries and/or Related Entities

158

Pendidikan dan/atau PelatihanDewan Komisaris, Direksi, Komite-Komite,Sekretaris Perusahaan dan Unit Audit Internal Education and/or training of the Board of Commissioners, Directors, Committees, Corporate Secretary and Internal Audit Unit

160 Struktur Grup Perusahaan Company Group Structure

161 Kronologis Penerbitan Saham Chronology of Sharelistings

162Kronologis Penerbitan dan/atauPencatatan Obligasi dan Efek Lainnya Cronological Issuance and /or Listing of Bonds and Other Securities

164 Kronologis Pembayaran Bunga Obligasi Chronology of Bond Interest Payments

165Kronologis Penerbitan dan/atau Pencatatan Efek Lainnya Chronology of Issuance and/or Listing of Other Securities

166Nama dan Alamat Lembaga dan/atau Profesi Penunjang Names and Addresses of Institutions and/or Supporting Professionals

170 Penghargaan dan Sertifikasi Awards and Certifications

178

Nama dan Alamat Entitas Anak, EntitasAsosiasi, Kantor Wilayah dan KantorCabang Name and Address of Subsidiary, Associate Entity,Regional Offices and Branch Offices

181 Informasi yang Tersedia di WebsiteInformation Available on the Website

182ANALISIS & PEMBAHASAN MANAJEMENManagement Discussion & Analysis

184 Tinjauan IndustriIndustry Overview

190 TINJAUAN OPERASIONALOperational Overview

200 Tinjauan PemasaranMarketing Overview

206 Tinjauan Kinerja Per Segmen UsahaPerformance Review per Business Segment

280 Tinjauan KeuanganFinancial Review

314 Prospek UsahaBusiness Prospect

4




498 TATA KELOLA PERUSAHAANCorporate Governance

500 Pelaksanaan Tata Kelola PerusahaanImplementation of Corporate Governance

548 Rapat Umum Pemegang SahamGeneral Meeting of Shareholders

564 Dewan KomisarisBoard of Commissioners

332 PENUNJANG BISNISBusiness Support

334 Pengembangan Sumber Daya ManusiaHuman Capital Development

374 Teknologi InformasiInformation Technology

390 Electronic BankingElectronic Banking

402Struktur Permodalan dan Praktik Manajemen RisikoThe Structure of Capital and Risk Management Practices

408Pengungkapan Eksposur Risiko dan Penerapan Manajemen RisikoDisclosure of Risk Exposure and Risk Management Implementation

DAFTAR ISITable of Contents

592 DireksiBoard of Directors

642

Penilaian Penerapan GCG olehDewan Komisaris dan DireksiAssessment of GCG Implementation by the Board of Commissioners andDirectors

642Remunerasi Dewan Komisaris dan DireksiRemuneration of the Board of Commissioners and Directors

650Hubungan Afiliasi Dewan Komisarisdan DireksiAffiliation of the Board of Commissioners and Directors

653Informasi Pemegang Saham Utamadan PengendaliInformation of the Main and Controlling Shareholders

654Perlakuan Yang Sama terhadap seluruhPemegang SahamEqual Treatment of All Shareholders

656Organ dan Komite Di BawahDewan KomisarisOrgan and Committee UnderBoard of Commissioners

656 Sekretaris Dewan KomisarisSecretary of Board of Commissioners

659 Komite-Komite Di Bawah Dewan KomisarisCommittees Under the Board of Commissioners

659 Komite AuditAudit Committee

684 Komite Nominasi dan RemunerasiNomination & Remuneration Committee

698 Komite Pemantau RisikoRisk Monitoring Committee

710 Komite Tata Kelola TerintegrasiIntegrated Governance Committee

720 Komite Pemantau Bisnis dan PerkreditanBusiness and Credit Monitoring Committee

730 Komite-Komite Di Bawah DireksiCommittees Under the Board of Directors

731 Komite Manajemen RisikoRisk Management Committee

733 Komite Kebijakan Perkreditan (KKP)Credit Policy Committee (CPC)

736 Komite Pengarah Teknologi InformasiInformation Technology Steering Committte

739 Komite Manajemen Risiko TerintegrasiIntegrated Risk Management Committee

742 Assets and Liability Committee (ALCO)Assets and Liability Committee (ALCO)

750 Sekretaris PerusahaanCorporate Secretary

755 Satuan Kerja Audit InternalInternal Audit Unit

765 Akuntan PublikPublic Accountants

768 Manajemen RisikoRisks Management

792 Sistem Pengendalian InternalInternal Control System

803 Fungsi KepatuhanCompliance Function

810Program Anti Pencucian Uang (APU) dan Pencegahan Pendanaan Terorisme (PPT)Anti Money Laundering (APU) Program and Prevention of Terrorism Funding (PPT)

813 Pemberian Dana Kegiatan Sosial dan/atau PolitikProvision of Social and/or Political Activity Funds

5






852TANGGUNG JAWAB SOSIALPERUSAHAANCorporate Social Responsibility

854

Pelaksanaan Keuangan Berkelanjutan sebagai Wujud Pelaksanaan Tanggung Jawab Sosialbank bjbSustainable Financial Implementation as ABudget of Budget Social Responsibility Implementation

882 Laporan KeuanganFinancial Report

882

PT BANK PEMBANGUNAN DAERAH JAWA BARAT DAN BANTEN TbkLaporan Keuangan Konsolidasian untuk Tahun-tahun yang berakhir pada 31 Desember 2018 dan 2017PT BANK PEMBANGUNAN DAERAH JAWA BARAT DAN BANTEN Tbk Consolidated Financial Statements For the Years Ended December 31, 2018 and 2017

814Perkara Penting Yang Dihadapi Perusahaan dan Entitas AnakImportant Cases Faced by the Company and Subsidiaries

819Perkara Penting yang sedang Dihadapi Dewan Komisaris dan Direksi serta Entitas AnakImportant Issues Facing the Board of Commissioners and Directors and Subsidiaries

819Sanksi Administratif dari Otoritas Terkait Administrative Sanctions from Related Authorities

819 Akses Informasi dan Data PerusahaanAccess to Company Information and Data

832 Kode EtikCode of Ethics

834 Program Pengendalian GratifikasiGratuity Control Program

836 Whistleblowing SystemWhistleblowing System

839 Penerapan Tata Kelola TerintegrasiImplementation of Integrated Governance

844 Assessment Tata Kelola TerintegrasiIntegrated Governance Assessment

848Pengelolaan Harta Kekayaan Penyelenggara NegaraManagement of State Administration Assets

849Penyediaan Dana Besar dan PenyediaanDana Kepada Pihak TerkaitProvision of Large Funds and Provision of Funds to Related Parties

850Transparansi Kondisi Keuangan dan Non Keuangan PerusahaanTransparency of Financial Conditions and Non-Financial Companies

851 Buyback Saham Dan Buyback ObligasiStock Buyback and Bond Buyback

851 Praktik Bad Corporate GovernancePractice of Bad Corporate Governance

851Pernyataan Pelaksanaan Prinsip-Prinsip Tata Kelola Yang BaikStatement of Implementation of the Principles of Good Governance

857Kebijakan Pelaksanaan Tanggung Jawab Sosial PerusahaanPolicy For Implementing Corporate Social Responsibility

858Struktur Pengelola Tanggung Jawab SosialPerusahaanCorporate Social Responsibility ManagementStructure

858Sumber Dana Pelaksanaan Tanggung Jawab Sosial PerusahaanSources Of Funds for Implementing Corporate Social Responsibility

859Pelaksanaan Tanggung Jawab Sosial Perusahaan Di Bidang Lingkungan HidupImplementation of Corporate Social Responsibility in the Environment

861

Tanggung Jawab Sosial Terkait denganKetenagakerjaan, Kesehatan dan Keselamatan KerjaSocial Responsibilities Related to Labor, Health and Safety

865 Mekanisme Pengaduan PegawaiEmployee Complaint Mechanism

869Tanggung Jawab Perusahaan Terkait dengan Pengembangan Sosial KemasyarakatanCorporate Responsibility Related to Community Social Development

872Tanggung Jawab Sosial Perusahaan terkait dengan Tanggung Jawab Kepada KonsumenCorporate Social Responsibility Related to Responsibility to Consumers

880Tanggung Jawab Sosial Perusahaan terkait dengan Tanggung Jawab Kepada PemasokCorporate Social Responsibility Related to Responsibilities to Suppliers

6



Kilas KinerjaLaporan ManajemenProfi l PerusahaanAnalisis & Pembahasan Manajemen

Perseroan menyadari bahwa kinerja perusahaan yang baik bukan sekadar tumbuhnya pendapatan maupun laba usaha, namun lebih dari itu, harus diimbangi dengan kinerja yang berkualitas. Pertumbuhan kinerja usaha senantiasa diikuti dengan penerapan manajemen risiko dan tata kelola perusahaan yang baik agar momentum pertumbuhan dapat menjadi fundamental yang kokoh. Perseroan memandang bahwa fundamental yang baik dan kokoh, pada akhirnya akan menjadipenunjang pertumbuhan kinerja usaha Perseroan yang telah ditargetkan, yaitu seperti tertuang dalam Kebijakan Umum Direksi sebagai acuan kerja tahunan serta Visi dan Misi Perseroan yang menjadi acuan jangka panjang.

The Company recognizes that good corporate performance is not just a growth in revenue or operating profi t, 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.

Sebagai Bank Umum yang dimiliki oleh Pemerintah Daerah yang telah go public, bank bjb telah memiliki image yang kuat sebagai bank umum yang sedang berkembang dengan pesat dan menjadi bank nasional. Dari sisi produk, layanan electronic banking (bjb digi) telah medorong berkembangnya berbagai produk bank bjb. Dengan melakukan formulasi strategi yang tepat dan menjaga hubungan baik dengan pemangku kepentingan, Perseroan yakin pertumbuhan bisnis bank bjb kedepannya akan semakin berkembang.

As a Public Bank owned by Local Government that has gone public, bank bjb has a strong image as a fast growing commercial bank and become a national bank. In terms of products, electronic banking services (bjb digi) has encouraged the development of bank bjb products. By formulating the right strategy and maintaining good relationships with stakeholders, Persero bank bjb business growth in the future will grow.

Dengan mengevaluasi posisi kami di saat-saat penuh tantangan, kami dapat memahami dengan jelas apa yang harus dilakukan untuk meraih kembali momentum pertumbuhan Perseroan. Kami menyadari perlunya melakukan perbaikan di beberapa aspek operasional dan kami telah membuat berbagai kebijakan dan mengambil tindakan yang diperlukan sebagai respon atas tantangan tersebut. Pada dasarnya, kami telah menyiapkan landasan yang lebih kokoh untuk memacu pertumbuhan yang lebih cepat di masa mendatang.

With the availability of our positions in challenging times, we can clearly understand what to do to regain growth momentum. We recognize the need for improvements in some operational aspects and we have made the necessary policies and actions in response to these challenges. In step, we have set up a stronger foundation to spur faster growth in the future.

Strengthening the FoundationStrengthening the Foundation

Mempertahankan Momentum PertumbuhanMaintaining Growth Momentum

Semakin Berkembang Bersama Peluang Baruyang MembentangGrowing With New Opportunities That Spread

KESINAMBUNGAN TEMATheme Continuity

2014 2015 2016

7



Company Profi leManagement Discussion & Analysis



Dalam menjalankan usahanya bank bjb tidak terlepas dari berbagai tantangan yang akan di hadapi sepanjang tahun mendatang. Dalam road map yang telah disesuaikan, bank bjb tetap terus konsisten serta berkomitmen untuk berinovasi guna membangun bisnis berkualitas. Hal tersebut dilakukan dengan melakukan akselerasi pertumbuhan baik melalui strategi organik maupun anorganik serta melakukan pengembangan digital banking. Kombinasi tersebut diharapkan dapat menjawab tantangan perbankan yang semakin canggih dan kompleks serta tekanan makro ekonomi yang bersumber dari eksternal dan semakin memperkuat jaringan bisnis di seluruh wilayah operasional di Indonesia.

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.

Di tengah ketidakpastian dan tantangan ekonomi tahun 2018, bank bjb mampu membukukan kinerja yang memuaskan, melanjutkan catatan pencapaian kinerja positif yang ditorehkan dalam beberapa tahun terakhir ini. Prestasi ini menempatkan bank bjb semakin dekat pada aspirasinya untuk menjadi salah satu jajaran 10 besar bank nasional yang berkinerja baik. Pada saat bersamaan, bank bjb tidak melupakan misinya untuk menjadi penggerak perekonomian daerah khususnya bagi daerah Jawa Barat. Melalui berbagai program untuk mendorong inklusivitas layanan perbankan di masyarakat serta untuk lebih mengedepankan keberpihakan pada sektor usaha mikro, kecil dan menengah (UMKM), bank bjb terus berupaya memberdayakan potensi lokal sebagai bagian dari pembangunan nasional Indonesia.

In the midst of economic uncertainty and challenges in 2018, bank bjb was able to post satisfactory performance, continuing the record of positive performance achieved in recent years. This achievement placed bank bjb closer to its aspirations to become one of the top 10 national banks with excellent performance. At the same time, bank bjb did not forget its mission to be an driver of regional development, especially for the West Java region. Through various programs to encourage inclusiveness of banking services in the community and to prioritize the development of the micro, small and medium enterprises (MSME) sector, bank bjb continues to strive to empower local potential as part of Indonesia’s national development.

Terus Berinovasi dalam Membangun Bisnis yang BerkualitasBuilding a Quality Business through Continuous Innovation

Memberdayakan Potensi Lokal, Berkontribusi Membangun NegeriMemberdayakan Potensi Lokal, Berkontribusi Membangun Negeri

2017

2018

8




6,0%

11,7% 28,1%

3,7%

Kredit Disalurkan Loans Outstanding

Jumlah Ekuitas Total Equity Laba Bersih Net Income

Pendapatan Bunga Interest Income

Kredit disalurkan tumbuh 6,0% dari Rp70,45 triliun di tahun 2017 menjadi Rp74,70 triliun di 2018.Jumlah aset tumbuh 4,5% dari Rp114,98 triliun di

tahun 2017 menjadi Rp120,19 triliun di 2018.

Jumlah ekuitas tumbuh 11,7% dari Rp10,10 triliun di tahun 2017 menjadi Rp11,28 triliun di 2018.

Laba bersih tumbuh 28,1% dari Rp1,21 triliun di tahun 2017 menjadi Rp1,55 triliun di 2018.

Pendapatan bunga tumbuh 3,7% dari Rp11,48 triliun di tahun 2017 menjadi Rp11,91 triliun di 2018.

Interest income grew by 3.7% from Rp11.48 trillion in 2017 to Rp11.91 trillion in 2018.

Loans outstanding grew by 6.0% from Rp70.4 trillion in 2017 to Rp74.7 trillion in 2018.

Total assets grew by 4.5% from Rp114.98 trillion in 2017 to Rp120.19 trillion in 2018.

Total equity grew by 11.7% from Rp10.10 trillion in 2017 to Rp11.28 trillion in 2018.

Net income grew by 28.1% from Rp1.21 trillion in 2017 to Rp1.55 trillion in 2018.

4,5%Jumlah Aset Total Assets

PENCAPAIAN KINERJAPerformance Highlight

9






Kredit Disalurkan - Loans Outstanding Simpanan Nasabah - Customer Deposit

Best State Owned Enterprise

The 10th IICD Corporate

Governance Conference and

AwardIndonesian Institute for Corporate

Directorship (IICD)

BUMN/BUMD dengan Sistem Pengendalian

Gratifi kasi Terbaik 2018SOE/Regional SOE with Best

Gratuity Control System 2018

Komisi Pemberantasan

KorupsiCorruption Eradication

Commission

“Bronze Rank”Asia

Sustainability Reporting

Rating 2018National Center

for Sustainability Reporting

(NCSR)

16,33%

21,99%

7,27%

7,75% 25,10%

68,65%

52,91%

Konsumer - Consumer 68,65%

Mikro - Micro 7,27%

Komersial - Commercial 16,33%

KPR - Mortgage 7,75%

Giro - Current Account 21,99%

Tabungan - Savings Account 25,10%

Deposito Berjangka - Time Deposit 52,91%

Pada tahun 2018, sebanyak 7.717 karyawan bank bjb melayani total sebanyak 4.659.639 nasabah.

Selama tahun 2018, terdapat penambahan 124 unit ATM sehingga total jaringan ATM bank bjb sebanyak 1.529 unit.

Sampai dengan akhir tahun 2018, layanan Weekend Banking dapat dijumpai di 34 lokasi cabang, dibandingkan hanya 11 lokasi cabang setahun sebelumnya.

In 2018, there are a total of 7,717 employees of bank bjb serving a total of 4,659,639 customers.

During 2018, an additional 124 ATMs were installed, making for a total of 1,529 units in bank bjb ATM network.

Up until year-end 2018, Weekend Banking services are available at 34 branches, compared with only 11 branches a year previously.

10




JEJAK LANGKAHPerformance Highlight

1915

1961 1991

1992

1999

2000

2007

1972

1978

De Eerste Nedelandsche (DENIS, 1915). DENIS merupakan salah satu bank tabungan dan hipotik di Hindia Belanda.

De Eerste Nedelandsche (DENIS, 1915). DENIS said to be the first saving and hypoteek bank is in the East Indies.

Bentuk hukum Perseroan diubah dari Perseroan Terbatas (PT) Bank Karja Pembangunan Daerah Djawa Barat menjadi Perusahaan Daerah (PD) Bank Karja Pembangunan Daerah Djawa Barat.

The Company’s legal entity was changed from Limited Liability Company (PT) Bank Karja Pembangunan Daerah Djawa Barat to Regional-Owned Company (PD) Bank Karja Pembangunan Daerah Djawa Barat.

Perusahaan Daerah (PD) Bank Karja Pembangunan Daerah Djawa Barat selanjutnya diubah menjadi PD Bank Pembangunan Daerah Jawa Barat.

R e g i o n a l - O w n e d Company (PD) Bank Karja Pembangunan Daerah Djawa Barat was then changed to PD Bank Pembangunan Daerah Jawa Barat.

Menerbitkan Obligasi untuk pertama kalinya.

Issued its first Bond.

bank bjb didirikan dengan nama PT Bank Karja Pembangunan Daerah Djawa Barat yang merupakan hasil nasionalisasi bank “NV Denis” pada masa pemerintahan Belanda.

bank bjb established with the name of PT Bank Karja Pembangunan Daerah Djawa Barat which was nationalized from NV DENIS, a Dutch Company.

Perubah dari Perusahaan Daerah (PD) menjadi Perseroan Terbatas (PT).

Legal Status of Bank Jabar changed fromRegional-Owned Company (PD) into alimited liability company (PT).

Aktivitas Bank Pembangunan Daerah Jawa Barat ditingkatkan menjadi Bank Umum Devisa.

The activities of West Java Regional Development Bank (BPD) were upgraded to Foreign Exchange Commercial Bank.

Menjadi Bank Pembangunan Daerahpertama di Indonesia yang menjalankan dual banking system, yaitu memberikan layanan perbankan dengan sistem konvensional dan dengan sistem syariah.

Became the first Regional Development Bank in Indonesia that implemented dual banking system, to provide banking services with conventional system and sharia system.

Nama Perseroan berubah menjadi PT Bank Pembangunan Daerah Jawa Barat dan Banten dengan sebutan “Bank Jabar Banten.

Company’s name was changed to PT Bank Pembangunan Daerah Jawa Barat dan Banten as “Bank Jabar Banten”.

11






2009

2010 2018

20172011

2012

2014 2015 2016

Menerbitkan Obligasi VII.

Issued Bond VII.

Rebranding bjb Precious.

Rebranding bjb Precious.

• Ditunjuk menjadi BPJS Regional Strategic Partner dan BPJS Service Point Office• Meluncurkan bjb Digi• Meluncurkan E-Samsat dan

E-tax.

• Appointed as BPJS Regional Strategic Partner and BPJS Service Point Office

• Launched bjb Digi• Launched E-Samsat and E-tax

• Meluncurkan PESAT (Pemberdayaan Masyarakat Terpadu)

• Meluncurkan bjb Sahabat Usaha

• Launched PESAT (Integrated Community Empowerment)

• Launched bjb Sahabat Usaha

• Meluncurkan Program bjb Cinta Guru

• Ditunjuk menjadi Bank Persepsi Tax Amnesty

• Menambah Kantor Wilayah untuk daerah timur Indonesia

• Meluncurkan Kredit Usaha Bhakti

• Launched bjb Cinta Guru Program

• Appointed as Tax Amnesty Payment Bank

• Added Regional Office for eastern Indonesia

• Launched Kredit Usaha Bhakti.

Menerbitkan Obligasi VI.

Issued Bond VI.

• Peningkatan rating dari Pefindo menjadi peringkat idAA-

• Pemisahan (spin off) Unit Usaha Syariah

• Sebutan “Bank Jabar Banten” resmi diubah menjadi “bank bjb”

• Mencatatkan saham perdananya (IPO) di Bursa Efek Indonesia (BEI)

• Rating improvement from Pefindo to idAA-

• Spin off of Sharia Business Unit

• “Bank Jabar Banten” was officially changed to “bank bjb”

• Listed its initial public offering (IPO) in Indonesia Stock Exchange (BEI)

• Meluncurkan kartu debit VISA bank bjb• 7 tahun melantai di bursa,• bank bjb melayani pembayaran

Samsat online nasional• total aset bank bjb tembus Rp108,4 T• PUB 1 TAHAP 1 Obligasi dan Obligasi

subordinasi bank bjb

• Launches a bank bjb VISA debit card• 7 years on the market floor,• bjb bank serves the national online

payment of Samsat• total bank assets bjb translucent

Rp108.4 T. • PUB 1 Phase 1 Bonds and bank

subordinated bonds bjb

• Rebranding bjb University, sebagai Center of Learning Organization bagi insan bjb.

• .Terbitkan PUB I tahap 2 obligasi bank bjb.

• Launching bjb Mesra (Masyarakat Ekonomi Sejahtera).

• Soft Launching Samsat J’bret.

• Rebranding bjb University, as a Center of Learning Organization for bjb people.

• Issue Phase 2 of Bank Indonesia PUB I bjb bonds.

• Launching bjb Mesra (Prosperous Economic Community).

• Soft Launching of Samsat J’bret

12




KEUNGGULAN KAMIOur Advantages

BASIS NASABAH BESARbank bjb memiliki basis nasabah yang loyal dalam jumlah sangat besar, yaitu aparatur sipil negara (ASN), pensiunan dan masyarakat lokal, terutama di wilayah Jawa Barat dan Banten.

BASE OF A BIG CUSTOMERbank bjb has a very large number of loyal customers, namely state civil servants (ASN), retirees and local communities, especially in West Java and Banten.

PENGGERAK PASAR MODALbank bjb yang sudah go public dan memperdagangkan sahamnya di Bursa Efek Indonesia termasuk satu di antara emiten dalam perhitungan LQ-45, yaitu saham-saham penggerak perdagangan, karena menjadi salah satu emiten dengan transaksi tertinggi.

CAPITAL MARKET MOVEMENTbjb bank that has gone public and traded its shares on the Indonesia Stock Exchange is one of the issuers in the calculation of LQ-45, which is the driving force of trading, because it is one of the issuers with the highest transactions.

SDM UNGGULbank bjb didukung oleh sumber daya manusia unggul yang menjadi “Strategic Business Partner”, sehingga menjamin kinerja usaha yang berkelanjutan.

SUPERIOR HRbank bjb is supported by superior human resources that become “Strategic Business Partners”, thus ensuring sustainable business performance.

INOVATIF DI BIDANG TEKNOLOGIbank bjb terus berinovasi untuk memberikan layanan prima kepada nasabah, seperti bjb E-Samsat dan bjb T-Samsat yang dapat membantu nasabah membayar pajak kendaraan bermotor tanpa antre dan dapat mencicil.

INNOVATIVE IN THE FIELD OF TECHNOLOGYbank bjb continues to innovate to provide excellent service to customers, such as bjb E-Samsat and bjb T-Samsat which can help customers pay motor vehicle taxes without queuing and can pay in installments.

KARTU ATM ISTIMEWAKartu anjungan tunai mandiri (ATM) bank bjb tak hanya digunakan untuk seluruh Indonesia lewat ATM Bersama, tapi juga telah terkoneksi dengan MEPS sehingga nasabah dapat transaksi di Malaysia serta melalui NETS dan ITMX untuk Singapura dan Thailand.

PRIVATE ATM CARDThe bank bjb automatic teller card (ATM) is not only used for all of Indonesia through ATM Bersama, but also has been connected to MEPS so customers can get transactions in Malaysia and through NETS and ITMX for Singapore and Thailand.

13






MENDUKUNG EKONOMI NASIONALKartu ATM/Debit bjb berlogo GPN (Gerbang Pembayaran Nasional) membuat transaksi di seluruh mesin EDC lebih murah sehingga menguntungkan nasabah, sekaligus mendukung perekonomian nasional karena pembayaran menggunakan national gateway dalam negeri.

SUPPORTING THE NATIONAL ECONOMYBjb ATM / Debit Card bearing the GPN (National Payment Gate) logo makes transactions in all EDC machines cheaper so that it benefits customers, while supporting the national economy because payments use national gateways within the country.

bjb DIGITransaksi dengan bjb Digi menjadi lebih mudah, karena fitur layanan terintegrasi melalui sistem mobile, seperti Internet Banking-bjb NET, SMS Banking-bjb SMS, bjb Info.

bjb DIGITransactions with Digi bjb are easier, because the service features are integrated through mobile systems, such as NET Internet Banking-bjb, SMS Banking-bjb SMS, bjb Info.

bjb BiSA: Nasabah Jadi MitraMelalui layanan bjb BiSA, nasabah menjadi mitra bank bjb, yaitu sebagai agen yang dapat melayani transaksi perbankan masyarakat secara real time online menggunakan fitur bjb EDC dengan konsep sharing fee dan kini telah terdapat 722 agen di 14 provinsi.

bjb BiSA: Customer Becomes a PartnerThrough the BiSA bjb service, customers become bank bjb partners, namely as agents who can serve community banking transactions in real time online using the bjb EDC feature with the concept of sharing fees and now there are 722 agents in 14 provinces.

bjb PESATPemberdayaan Masyarakat Ekonomi Terpadu (PESAT) merupakan komitmen bank bjb untuk turut serta meningkatkan kompetensi dan kapasitas usaha mikro, kecil dan menengah (UMKM.

bjb PESATIntegrated Economic Community Empowerment (PESAT) is a bank bjb commitment to participate in improving the competence and capacity of micro, small and medium enterprises (MSMEs).

14




KILAS KINERJAPerformance Flashback

(dalam juta Rupiah) (in million Rupiah)

Uraian 2018 2017 2016 2015 2014 DescriptionLAPORAN POSISI KEUANGAN KONSOLIDASIAN CONSOLIDATED STATEMENT OF FINANCIAL POSITION

Aset Asset

Kas 2.929.207 2.513.053 2.215.341 2.402.588 2.767.678 Cash

Giro pada Bank Indonesia 9.981.495 5.846.111 5.516.363 6.076.789 5.177.942 Demand Deposit at Bank Indonesia

Giro pada Bank Lain (neto) 611.796 691.042 261.741 181.510 128.542 Demand Deposit at Commercial Bank (net)

Penempatan pada bank lain dan Bank Indonesia (neto) 9.731.163 17.692.605 12.777.516 3.739.128 4.761.109

Interbank Placement and Placement to Bank Indonesia (net)

Tagihan Derivatif 76 1 1.336 2.434 - Derivative Claim

Surat Berharga 8.617.220 7.712.506 9.206.598 12.838.700 7.125.371 Securities

Efek – efek yang dibeli dengan janji dijual kembali (neto) 2.815.800 325.150 - 1.308.760 568.461

Securities purchased under repurchase agreement (net)

Wesel ekspor dan tagihan lainnya (neto) 798.117 156.593 41.646 1.006 19.555 Export draft and other bills (net)

Kredit yang diberikan 75.349.849 71.035.168 63.419.185 55.561.396 49.616.998 Loan granted

Pembiayaan dan piutang Syariah 4.641.938 5.416.554 5.370.120 4.926.146 4.351.826 Sharia Financing and Receivables

Cadangan Kerugian penurunan nilai (785.575) (1.636.367) (1.383.769) (1.336.284) (1.687.984) Allowance for Impairment Loss

Tagihan akseptasi 82.379 47.409 54.301 20.634 18.435 Acceptance Receivable

Penyertaan Saham 42.124 31.984 31.984 31.984 31.984 Investment in Shares of Stocks

Cadangan Kerugian penurunan nilai (1.303) (1.303) (1.303) (4.236) (4.236) Allowance for Impairment Loss

Aset tetap (nilai Buku) 3.271.751 2.925.337 2.740.397 1.023.314 1.044.844 Fixed assets (net)

Aset pajak tangguhan (neto) 155.680 177.446 137.253 28.967 31.732 Deferred tax assets (net)

Bunga yang masih akan diterima 621.430 675.727 654.771 623.325 452.642 Interest receivable

Aset lain- lain (neto) 1.332.663 1.449.301 1.274.977 1.271.269 1.456.411 Other assets (net)

Total Aset 120.191.387 114.980.168 102.318.457 88.697.430 75.861.310 Total Assets

Liabilitas, Dana Syirkah Temporer dan Ekuitas Konsolidasian Liability, Temporary Syirkah Fund, and Consolidated Equity

Liabiltas Liability

Liabilitas segera 1.488.621 1.925.397 1.374.450 2.244.955 1.812.382 Liabilities due immediately

Simpanan nasabah 81.820.984 81.611.029 73.525.046 63.306.505 53.487.890 Customer deposits

Simpanan dari bank lain 4.260.720 5.670.067 5.628.485 3.515.666 3.308.630 Deposits from other banks

Liabilitas Derivatif - 88 277 - - Derivative Liabilities

Efek – efek yang dijual dengan janji dibeli kembali 3.852.844 770.578 2.670.589 3.656.456 2.062.916

Securities purchased under repurchase agreement (net)

Liabilitas akseptasi 82.379 47.409 54.301 20.634 18.435 Acceptance liabilities

Efek hutang yang Diterbitkanneto 3.852.844 3.804.479 2.311.606 1.722.884 1.721.901 Debt Securities Issued-net

obligasi Subordinasi 996.468 994.986 - - - Subordinated Bonds

Pinjaman yang Diterima-pihak ketiga 6.708.734 2.677.694 246.055 434.617 456.490 Accepted Loans-third party

Estimasi Kerugian Komitmen dan Kontinjensi 579 2.083 1.619 1.056 2.130

Estimated Losses on Commitment and Contingencies

Hutang Pajak 79.258 63.431 26.695 129.533 105.751 Tax payable

Bunga yang masih harus dibayar 183.446 199.370 162.024 157.099 121.607 Accrued interest

Liabilitas pajak Tunggakan-netto 110.522 110.356 72.560 - - Deferred Tax Liability net

Liabilitas Imbalan kerja 185.404 207.597 178.164 218.068 191.534 Employee Benefits Liabilities

Liabilitas lain–lain 648.703 735.962 768.005 660.998 621.736 Other Liabilities

Total Liabilitas 104.035.920 98.820.526 87.019.826 76.068.471 63.911.402 Total Liabilities

15







Uraian 2018 2017 2016 2015 2014 DescriptionDana Syirkah Temporer Temporary Syirkah Fund

Bukan Bank 4.804.901 5.588.972 4.958.182 4.299.119 4.253.141 Non Bank

Pihak berelasi 5.449 8.421 8.577 9.007 5.047 Related parties

Pihak Ketiga 4.799.452 5.580.551 4.949.605 4.290.112 4.248.094 Third Party

Bank 65.251 415.695 666.221 572.622 615.064 Bank

Pihak ketiga 65.251 465.695 666.221 572.622 615.064 Third Party

Total dana syirkah temporer 4.870.152 6.054.667 5.624.403 4.871.741 4.868.205 Total Temporary Syirkah Fund

Ekuitas Equity

Modal Ditempatkan dan Disetor 2.459.697 2.424.073 2.424.073 2.424.073 2.424.073 Issued and Paid-Up Capital

Tambahan Modal Disetor 1.058.541 823.423 823.423 823.423 823.423 Additional Paid-Up Capital

Surplus revaluasi aset tetap 1.933.791 1.709.113 1.592.653 - - Revaluation Surplus of Fixed Assets

Kerugian pengukuran kembali program imbalan pasti-setelahpajak tangguhan

(170.839) (174.885) (141.967) (135.945) (124.774) Remeasurement loss for defined benefit program-after deferred tax

Saldo Laba Retained Profit

Telah ditentukan penggunaannya 5.043.407 4.326.234 3.620.012 3.070.463 2.661.164 The usage has been determined

Belum ditentukan penggunaannya 911.978 956.477 1.313.633 1.530.866 1.257.309 The usage hasn’t been determined

Total ekuitas yang dapat diatribusikan kepada entitas Induk 11.236.575 10.064.435 9.631.827 7.712.880 7.041.195

Total Equity which can be attributed to parent entity

Kepentingan non-pengendali 48.740 40.540 42.401 44.338 40.508 Non-controlling interests

Total Ekuitas 11.285.315 10.104.975 9.674.228 7.757.218 7.081.703 Total Equity

Liabilitas. dana syirkahtemporer dan ekuitasKonsolidasian

120.191.387 114.980.508 102.318.457 88.697.430 75.861.310 Liability, Temporary Syirkah Fund, and Consolidated Equity

LAPORAN LABA RUGI DANPENGHASILAN KOMPREHENSIF LAIN KONSOLIDASIAN

PROFIT AND LOSS STATEMENT AND OTHER CONSOLIDATED COMPREHENSIVE INCOME

Pendapatan Bunga dan Syariah 11.914.209 11.487.572 10.677.875 10.084.451 8.791.820 Sharia and Interest Income

Beban Bunga dan Bagi hasil Syariah (5.415.178) (5.194.717) (4.599.263) (5.108.209) (4.330.222) Sharia Revenue Sharing and Interest Expense

Pendapatan Bunga dan Syariah Bersih 6.499.031 6.292.855 6.078.612 4.976.242 4.461.598 Net Sharia and Interest Income

Pendapatan operasional Lainnya 934.464 878.237 758.197 565.789 616.970 Other Operational Income

Beban operasional Lainnya (5.375.098) (5.470.453) (5.316.500) (3.730.734) (3.627.016) Other Operational Expenses

Laba operasional 2.058.397 1.700.639 1.520.309 1.811.297 1.451.552 Operational Profit

Pendapatan (Beban)non operasional (121.353 (68.674) 56.401 44.899 28.411 Non-Operational Income (Expenses)

Laba Sebelum pajak 1.937.044 1.631.965 1.463.908 1.766.398 1.423.141 Profit Before Tax

Beban pajak (384.648) (420.560) (310.683) (385.434) (315.345) Tax Expenses

Total laba (rugi) yang dapat Diatribusikan Kepada: 1.552.396 1.211.405 1.153.225 1.380.964 1.107.796

Total profit (Loss) which can be Attributed To:

Pemilik entitas induk 1.548.249 1.212.036 1.154.421 1.377.109 1.103.880 Owner of Parent Entity

Kepentingan non pengendali 4.147 (631) (1.196) 3.855 3.916 Non-controlling interests

Laba komprehensif diatribusikan kepada: 1.781.173 1.295.004 2.741.103 1.369.829 1.103.451 Comprehensive profit attributed to:

Pemilik entitas induk 1.776.973 1.295.578 2.741.148 1.365.938 1.099.548 Owner of Parent Entity

Kepentingan non Pengendali 4.200 (574) (45) 3.891 3.903 Non-controlling interests

Laba Bersih per Saham (EPS)(dalam rupiah penuh) 157.36 125.00 119.06 142.02 113.85

Earnings per Share (EPS) (in full Rupiah)

16





Uraian 2018 2017 2016 2015 2014 DescriptionLAPORAN ARUS KAS KONSOLIDASIAN CONSOLIDATED STATEMENT OF CASH FLOW

Arus kas diperoleh dari aktivitas operasi (6.070.263) 2.582.207 6.091.646 5.579.200 1.176.551 Net cash derived from (used in) operations

Arus kas neto (digunakan untuk) diperoleh dari aktivitas investasi (220.340) 1.232.273 3.653.802 (5.338.762) 3.135.298

Net cash derived from (used in) investment activities

Arus kas neto diperoleh dari (digunakan untuk) aktivitas pendanaan 2.861.735 2.168.658 (1.408.676) (716.126) (1.301.127)

Net cash derived from (used in) funding activties

Kenaikan (penurunan) neto Kas dan Setara Kas (3.428.868) 5.983.138 8.336.772 (475.688) 3.010.722

Increase (Decrease) in Net Cash and Cash Equivalents

Kas dan Setara Kas pada awal Tahun 26.662 20.692.875 12.355.602 12.838.765 9.829.747 Cash and Cash Equivalents Beginning of Year

Kas dan Setara Kas pada akhir Tahun 23.249.237 26.674.375 20.692.875 12.355.602 12.838.765 Cash and Cash Equivalents at End of Year

RASIO KEUANGAN (%) FINANCIAL RATIO (%)

Rasio laba (rugi) terhadap jumlah aset; (ROA) 1,71 2.01 2.22 2.04 1.92 Profit (loss) ratio of total assets (ROA)

Rasio laba (rugi) terhadap ekuitas (ROE) 18,81 20.05 21.81 23.05 18.92 Ratio of profit (loss) to equity (ROE)

Capital Adequacy Ratio (CAR) 18,63 18,77 18,43 16,21 16,08 Capital Adequacy Ratio (CAR)

Net Interest Margin (NIM) 6,37 6,76 7,40 6,32 6,79 Net Interest Margin (NIM)

NPL Gross 1,65 1,51 1,69 2,91 4,15 NPL Gross

NPL Net 0,90 0,79 0,75 0,86 1,04 NPL Net

BOPO 84,22 82,25 81,22 83,31 85,60 BOPO

LDR 91,89 87,27 86,70 88,13 93,18 LDR

KILAS KINERJAPerformance Flashback

17






IKHTISAR OPERASIONALOperational Highlight

Kinerja Operasional Segmen Operasi

Dana Pihak Ketiga

Tabel Kinerja Operasional Dana Pihak Ketiga

(dalam juta rupiah) (in million rupiah)

Produk 2018 2017 2016 2015 2014 Product

Tabungan 17.951.664 17.661.579 16.826.383 14.278.699 12.426.375 Saving

Giro 20.481.352 19.716.998 17.130.445 18.632.654 21.526.366 Demand deposit

Deposito 43.176.405 43.636.868 38.871.129 29.838.195 19.038.913 Deposit

TOTAL 81.609.421 81.015.445 72.827.957 62.749.548 52.991.654 TOTAL

Pinjaman

Tabel Kinerja Operasional Pinjaman


Produk 2018 2017 2016 2015 2014 Product

Konsumer 51.479.634 47.080.477 44.224.700 38.217.375 33.578.451 Consumer

Komersial 12.245.063 13.561.231 10.832.087 9.246.000 6.849.716 Commercial

Mikro 5.456.347 4.718.861 3.530.090 3.329.593 4.505.340 Micro

KPR 5.810.574 5.340.707 4.557.373 4.506.950 4.443.911 KPR

TOTAL 74.991.717 70.701.277 63.144.250 55.299.918 49.377.418 TOTAL

Produk Internasional dan Tresuri

Tabel Penempatan Dana pada Bank Lain-Surat Berharga Obligasi Bank investasi


Obligasi 2018 2017 2016 2015 2014 Bond

Bank Umum dan Bank Daerah 649.000 502.854 899.400 1.234.417 425.814 Commercial Bank and Regional Bank

Operating Segments of Operational Performance

Third Party Funds

Table of Third Party Fund Operational Performance

Loan

Table of Loan Operational Performance

International and Treasury Products

Fund Placement in Other Bank-Investment Bank Bond Securities

18




Tabel Penempatan Dana pada Bank Lain-Surat Berharga Obligasi Non Bank Investasi


Obligasi 2018 2017 2016 2015 2014 Bond

Korporasi 608.500 820.500 1.136.200 1.755.200 1.040.637 Corporate

SUN 2.624.432 2.282.432 2.512.432 2.377.432 816.577 SUN

ORI 66.855. - 310.000 570.378 466.043 ORI

PBS 370.000 480.789 480.789 580.789 - PBS

SPN - - - 50.000 272.180 SPN

SR - 315.000 610.000 757.530 495.777 SR

TOTAL 3.669.787 5.466.874 5.049.421 6.091.329 3.091.214 TOTAL

Tabel Kinerja Trading Money Market


Keterangan 2018 2017 2016 2015 2014 Description

Placement 1.348.262 1.742.872 2.404.465 6.580.869 5.040.637 Placement

Borrowing 1.349.000 1.746.449 2.404.820 6.581.773 5.040.774 Borrowing

Tabel Rekapitulasi Obligasi Portofolio Trading



Reksadana 857.437 857.437 677.031 712.000 722.281 Mutual Funds

SUN 233.701 - 335.000 348.000 - SUN

ORI - - - 10.275 7.491 ORI

CORP 58.115 58.705 100.000 30.000 - CORP

SR - - - - - SR

USD 4.000 4.000 4.000 - - USD

TOTAL IDR 1.139.253 916.142 1.112.437 1.100.275 729.772 TOTAL IDR

TOTAL USD 4.000 4.000 4.000 - - TOTAL USD

Tabel Volume Transaksi Foreign Exchange and Derivatives



Sales 360 284 462 220 408 Sales

Trading 1.605 779 1.494 732 1.264 Trading

Banking 2.979 2.779 1.836 2.091 3.476 Banking

TOTAL 4.944 3.842 3.791 3.043 5.147 TOTAL

Table of Fund Allocation on Other Banks-Bond Securities non-Bank Investment

Table of Money Market Trading Performance

Table of Bond Recapitulation of Trading Portfolio

Tabel Volume Transaksi Foreign Exchange and Derivatives

IKHTISAR OPERASIONALOperational Highlight

19






Institutional Banking

Table of Institutional Banking Performance

Institutional Banking

Tabel Kinerja Institutional Banking(dalam juta rupiah) (in million rupiah)

ProdukProduct

NasabahCostumer 2018 2017 2016 2015 2014

NoA Nominal NoA Nominal NoA Nominal NoA Nominal Noa Nominal

GiroDemandDeposit

PemdaRegionalGovernment

13.750 9.740.605 12.464 9.290.824 11.681 9.219.359 10.882 10.736.273 9.530 15.443.077

PemerintahPusatCentralGovernment

217 463.568 193 327.432 237 14.584 250 2.597 235 3.935

BUMNSOE 1.033 991.233 943 1.185.143 898 350.630 821 323.242 788 317.879

SwastaPrivate 99.065 6.218.684 86.396 8.044.208 76.505 6.951.887 69.933 7.085.677 64.356 5.363.470

Subtotal 114.065 17.414.090 99.996 18.847.607 89.321 16.536.459 81.886 18.147.789 74.909 21.128.360

DepositoDeposit

PemdaRegionalGovernment

182 6.012.490 161 3.262.359 180 4.226.443 315 6.630.209 275 486.470

PemerintahPusatCentralGovernment

79 2.880.358 8 761.300 18 2.120.157 5 351 7 50.351

BUMNSOE 776 8.010.768 530 12.104.962 555 8.125.019 858 5.847.311 844 4,369,390

SwastaPrivate 3.566 16.503.547 4.214 18.269.089 4.056 16.931.812 2.934 11.085.316 3.076 7,016,951

Subtotal 4.603 33.407.163 4,913 34.397.710 4.809 31.403.432 4.112 23.563.187 4.202 14.343.215

Total KeseluruhanTotal 118.668 50.821.252 104,909 53.245.317 94.130 47.939.891 85.998 41.710.976 14.418.124 35.471.575

20




INFORMASI HARGA SAHAMShares Price Information

Tabel Harga, Volume dan Kapitalisasi Saham bank bjb 2016-2018

Table of Price, Volume and Capitalization of bank bjb Stock in 2016-2018

Tahun

Harga per saham | Price per Share (Rp) Jumlah Saham Beredar (dalam Lembar Saham)

Numberof Shares

Outstanding (in Shares)

Volume Peredarandi Pasar Reguler

(dalam unit)Circulation

Volumein the Regular

Market (in units)

KapitalisasiPasar

(Rp Juta)Market

Capitalization(Rp Million)

YearPembukaanOpening

(Rp)

PenutupanTertinggiHighestClosing

(Rp)

PenutupanTerendah

LowestClosing

(Rp)

PenutupanClosing

(Rp)

2018 2018Triwulan I 2.390 2360 2.000 2.060 9.696.291.166 680.170.600 19.974.360 Quarter I

Triwulan II 2.110 2150 2.010 2.090 9.696.291.166 619.939.000 20.265.249 Quarter II

Triwulan III 2.120 2150 1.800 2.030 9.696.291.166 690.431.300 19.683.471 Quarter III

Triwulan IV 2.030 2130 1.765 2.050 9.838.787.161 782.398.400 19.877.397 Quarter IV

2017 2017Triwulan I 3.390 3.170 2.020 2.020 9.696.291.166 784.486.400 19.586.508 Quarter I

Triwulan II 2.040 2.450 1.960 2.210 9.696.291.166 1.220.669.600 21.428.803 Quarter II

Triwulan III 2.210 2.840 1.980 2.600 9.696.291.166 1.420.560.800 25.210.357 Quarter III

Triwulan IV 2.600 2.730 2.200 2.400 9.696.291.166 663.955.100 23.271.099 Quarter IV

2016 2016Triwulan I 755 995 745 965 9.696.291.166 983.734.500 9.356.921 Quarter I

Triwulan II 895 1.140 880 1.125 9.696.291.166 716.445.600 10.908.328 Quarter II

Triwulan III 1.125 1.760 1.075 1.610 9.696.291.166 1.439.005.000 15.611.029 Quarter III

Triwulan IV 1.620 3.510 1.385 3.390 9.696.291.166 2.035.640.200 33.870.427 Quarter IV

21






30.000.000

Kapitalisasi PasarMarket Capitalization

(Rp Juta) | (Rp Million)

20.000.000

10.000.000

-

JAN

- 18

FEB

- 18

MA

R- 1

8

AP

R- 1

8

MA

Y- 18

JUN

- 18

JUL-

18

AU

G- 1

8

SEP

- 18

OC

T- 18

NO

V- 1

8

DE

C- 1

8

Kapitalisasi Pasar | Market Capitalization

2.500

Harga SahamStock Price

(Rupiah)

(Unit)

2.000

500

1.000

1.500

-

JAN

- 18

FEB

- 18

MA

R- 1

8

AP

R- 1

8

MA

Y- 18

JUN

- 18

JUL-

18

AU

G- 1

8

SEP

- 18

OC

T- 18

NO

V- 1

8

DE

C- 1

8

Harga | Price

25.000.000

Volume Peredaran di Pasar RegulerCirculation Volume in the Regular Market

20.000.000

5.000.000

10.000.000

15.000.000

-

JAN

- 18

FEB

- 18

MA

R- 1

8

AP

R- 1

8

MA

Y- 18

JUN

- 18

JUL-

18

AU

G- 1

8

SEP

- 18

OC

T- 18

NO

V- 1

8

DE

C- 1

8

Harga | Price

22




LAPORAN ANALIS PERUSAHAAN

AKSI KORPORASI

Corporate Analyst Report

Corporate Action

TriwulanQuarter

AnalisAnalyst

SekuritasSecurities

RekomendasiRecommendation

TargetPrice

Tanggal LaporanReport Date

Triwulan IQuarter I

Alexander MargaronisIsfhan Helmy

UOB Kay HianOCBC Securitas

Alex : SellIsfan : Hold

1.7002.200

7 Maret | March 201813 Maret | March 2018

Triwulan IIQuarter II

- - - - -

Triwulan IIIQuarter III

Anthony CampagnaRahmi Sari Marina

Iss EvaMaybank Kim Ang

Anthony : UnderweightRahmi : Hold

1.930-

8 Agustus | August 20186 September 2018

Triwulan IVQuarter IV

- - - - -

Penambahan Modal Tanpa Hak Memesan Efek Terlebih Dahulu (PMT HMETD)

Dalam rangka penguatan struktur permodalan untuk menjaga rasio permodalan sesuai Peraturan Otoritas Jasa Keuangan No. 11/POJK.03/2016 tentang Kewajiban Penyediaan Modal Minimum Bank Umum sebagaimana telah diubah oleh Peraturan Otoritas Jasa Keuangan No.34/POJK.03/2016 serta untuk menunjang ekspansi bisnis Perseroan dimasa mendatang, khususnya untuk ekspansi kredit, Perseroan merencanakan untuk melaksanakan Program Penambahan Modal Tanpa Hak Memesan Efek Terlebih Dahulu (Program PMT HMETD) sebagaimana dimaksud dalam Peraturan No. 38/POJK.04/2014 tentang Penambahan Modal Tanpa Memberikan Hak Memesan Efek Terlebih Dahulu. Dalam program tersebut, Perseroan memberikan kesempatan kepada pemerintah daerah yang telah memiliki saham Perseroan untuk meningkatkan kepemilikan di Perseroan dan juga memberikan kesempatan kepada pemerintah daerah hasil pemekaran yang belum menjadi pemilik saham Perseroan seperti Pemerintah Kota Serang, Pemerintah Kota Tangerang Selatan, Pemerintah Kabupaten Bandung Barat dan Pemerintah Kabupaten Pangandaran untuk dapat menjadi pemilik Perseroan. Dengan keikutsertaan dalam Program PMT HMETD tersebut, maka Pemerintah Daerah dapat meningkatkan kapasitas fiskalnya di

Capital Additions Without Pre-emptive Rights (Preemptive PMT)

In order to strengthen the capital structure to maintain the capital ratio according to the Financial Services Authority Regulation No. 11/POJK.03/2016 concerning the Minimum Capital Requirement for Commercial Banks as amended by the Financial Services Authority Regulation No.34/POJK.03/2016 and to support the Company’s business expansion in the future, especially for credit expansion, the Company plans to implement the Program Capital Additions Without Pre-emptive Rights (Preemptive PMT Program) as referred to in Regulation No. 38/POJK.04/2014 concerning Capital Additions without Giving Pre-emptive Rights. In the program, the Company provides opportunities to local governments that already have the Company’s shares to increase ownership in the Company and also provide opportunities for newly created regional governments that have not yet become the Company’s shareholders such as Serang City Government, South Tangerang City Government, West Bandung Regency Government and Pangandaran Regency Government can become the owner of the Company. By participating in the HMTD PMT Program, the Regional Government can

23






masa yang akan datang untuk menunjang program pengembangan perekonomian di wilayahnya.

Berdasarkan hasil Keputusan Rapat Umum Pemegang Saham Luar Biasa yang diselenggarakan di Kota Bandung pada tanggal 11 Desember 2018, telah memberikan persetujuan untuk pelaksanaan PMT HMETD dengan menerbitkan sebanyak-banyaknya 360.100.000 lembar saham Seri A dengan nilai nominal Rp250,- per lembar saham. dengan harga penerbitan sebesar Rp1.900,- per lembar saham. Dasar penetapan harga penerbitan berdasarkan ketentuan dalam butir V.1 Lampiran II Peraturan Pencatatan PT Bursa Efek Indonesia No. 1-A Keputusan No. Kep-00001/BEI/01-2014 tanggal 20 Januari 2014 yakni harga rata-rata 25 (dua puluh lima) hari penutupan perdagangan saham Perseroan di Bursa Efek Indonesia sebelum tanggal pemberitahuan pelaksanaan RUPSLB yakni mulai tanggal 28 September 2018 s/d 1 November 2018.

Jangka waktu pelaksanaan Program PMT HMETD adalah 2 (dua) tahun terhitung sejak persetujuan RUPSLB yaitu sampai dengan 11 Desember 2020.

Pelaksanaan setoran modal dilakukan secara bertahap disesuaikan dengan anggaran serta pemenuhan peraturan perundang-undangan yang berlaku untuk pemerintah daerah. Di tahun 2018 terdapat 20 (dua puluh) Pemerintah Daerah yang telah melakukan setoran modal dengan total nilai setoran adalah sebesar Rp270.742.390.500,- dan dengan jumlah lembar saham Seri A baru yang diterbitkan sebanyak 142.495.995 lembar saham.

Berikut ini rincian Pemerintah Daerah yang telah melakukan setoran modal di tahun 2018:

No. Nama Pemerintah Daerah

StatusPemegang Saham

StatusShareholders

Jumlah Lembar

Number of sheets

Nilai Setoran Modal (Rp)

Capital Deposit Value (Rp)

Name of Regional Government

1 Provinsi Jawa Barat Pemegang Saham | Shareholder 46.421.052 88.199.998.800 West Java Province

2 Kabupaten Bandung Pemegang Saham | Shareholder 31.578.947 59.999.999.300 Bandung Regency

3 Kabupaten Bogor Pemegang Saham | Shareholder 9.065.166 17.223.815.400 Bogor Regency

4 Kabupaten Serang Pemegang Saham | Shareholder 6.781.053 12.884.000.700 Serang Regency

5 Kota Tangerang Pemegang Saham | Shareholder 5.614.548 10.667.641.200 Tangerang City

increase its fiscal capacity in the future to support economic development programs in its region.

Based on the results of the Extraordinary General Meeting of Shareholders’ Meeting held in Bandung on December 11, 2018, it has given approval for the implementation of the Rights Issue PMT by issuing a maximum of 360,100,000 Series A shares with a nominal value of Rp250 per share. with the issuance price of Rp1,900 per share. The basis of the issuance price is based on the provisions in point V.1 Attachment II of the Indonesia Stock Exchange Listing Regulation No. 1-A Decree No. Kep-00001/BEI/01-2014 dated January 20, 2014, namely the average price of 25 (twenty five) days for closing the trading of the Company’s shares on the Indonesia Stock Exchange prior to the notification date of the EGMS, starting September 28, 201 to November 1, 2018.

The period of implementation of the Preemptive PMT Program is 2 (two) years from the approval of the EGM, namely until December 11, 2020.

The capital deposit is carried out in stages according to the budget and the fulfillment of laws and regulations that apply to the regional government. In 2018 there are 20 (twenty) Regional Governments which have made capital deposits with a total deposit value of Rp270,742,390,500,- and with the number of new Series A shares issued as many as 142,495,995 shares.

Following are the details of Regional Governments that have made capital deposits in 2018:

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Shares Suspension and/or Delisting

AKSI PENGHENTIAN SEMENTARA PERDAGANGAN SAHAM (SUSPENSION) DAN/ATAU PENGHAPUSAN PENCATATAN SAHAM (DELISTING)

Pada tahun 2018 tidak terdapat aksi penghentian sementara perdagangan saham (suspension) dan/atau penghapusan pencatatan saham (delisting)

In 2018 there was no action to suspend stock trading (suspension) and/or the delisting of shares.

No. Nama Pemerintah Daerah

StatusPemegang Saham

StatusShareholders

Jumlah Lembar

Number of sheets

Nilai Setoran Modal (Rp)

Capital Deposit Value (Rp)

Name of Regional Government

6 Kabupaten Bandung Barat Pemegang Saham | Shareholder 5.263.157 9.999.998.300 West Bandung Regency

7 Kabupaten Pandeglang Pemegang Saham | Shareholder 4.944.116 9.393.820.400 Pandeglang Regency

8 Kota Depok Pemegang Saham | Shareholder 4.195.704 7.971.837.600 Depok City

9 Kabupaten Indramayu Pemegang Saham | Shareholder 3.938.363 7.482.889.700 Indramayu Regency

10 Kabupaten Sukabumi Pemegang Saham | Shareholder 3.889.260 7.389.594.000 Sukabumi Regency

11 Kota Tasikmalaya Pemegang Saham | Shareholder 2.810.189 5.339.359.100 Tasikmalaya City

12 Kota Bekasi Pemegang Saham | Shareholder 2.795.998 5.312.396.200 Bekasi City

13 Kota Cilegon Pemegang Saham | Shareholder 2.631.578 4.999.998.200 Cilegon City

14 Kabupaten Karawang Pemegang Saham | Shareholder 2.545.293 4.836.056.700 Karawang Regency

15 Kabupaten Cirebon Pemegang Saham | Shareholder 2.512.043 4.772.881.700 Cirebon Regency

16 Kabupaten Subang Pemegang Saham | Shareholder 2.011.052 3.820.998.800 Subang Regency

17 Kota Sukabumi Pemegang Saham | Shareholder 1.724.543 3.276.631.700 Sukabumi City

18 Kabupaten Lebak Pemegang Saham | Shareholder 1.686.868 3.205.049.200 Lebak Regency

19 Kabupaten Kuningan Pemegang Saham | Shareholder 1.288.990 2.449.081.000 Kuningan Regency

20 Kota Cirebon Pemegang Saham | Shareholder 798.075 2,424,072,791,500 Cirebon City

TOTAL 142.495.995 270.742.390.500 TOTAL

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INFORMASI OBLIGASI, SUKUK DAN/ATAU OBLIGASI KONVERSIInformation on Bond, Sukuk and/or Convertible Bond

INFORMASI OBLIGASIBond Information

No. UraianDescription

Tanggal Terbit

Date of issue

Tanggal Efektif

Effective date

TenorTenor

Mata Uang

Currency

Jumlah Obligasi(Rp Juta)

Amount of Bonds(IDR Million)

Tanggal Jatuh

TempoDue date

Tingkat Suku

BungaInterest

Rate

Status Pembayaran

Status Pembayaran

PeringkatPeringkat Wali

AmanatTrustee 2018 2017

1. Obligasi Berkelanjutan I bank bjb Tahap II Tahun 2018 Seri ABank I Sustainable Bonds bjb Phase II of Year 2018 Series A

28-Sep-18 28-Sep-18 3 tahunyears

IDR 835.500.000.000 28-Sep-21 9,00%9.00%

Aktif | Active

ID AA- ID AA- PT Bank Mega, Tbk.

2. Obligasi Berkelanjutan I bank bjb Tahap II Tahun 2018 Seri BBank I Sustainable Bonds bjb Phase II of Year 2018 Series A

28-Sep-18 28-Sep-18 5 tahunyears

IDR 916.500.000.000 28-Sep-23 9,50%9.50%

Aktif | Active

ID AA- ID AA- PT Bank Mega, Tbk.

INFORMASI SUKUKInformation on Sukuk

Sampai dengan Desember 2018, bank bjb tidak menerbitkan sukuk, sehingga dengan demikian bank bjb tidak memiliki informasi mengenai sukuk.

As of December 2018, bank bjb did not issue sukuk, thus bank bjb does not have any information on sukuk.

INFORMASI OBLIGASI KONVERSIInformation on Convertible Bond

Sampai dengan Desember 2018, bank bjb tidak menerbitkan obligasi konversi, sehingga dengan demikian bank bjb tidak memiliki informasi mengenai obligasi konversi.

As of December 2018, bank bjb did not issue any convertible bonds, thereby bjb bank does not have any information regarding convertible bonds.

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INFORMASI SUMBER PENDANAAN LAINInformation Other Funding Sources

No. UraianDescription

Tanggal Terbit

Date of issue

Tanggal Efektif

Effective date

TenorTenor

Mata Uang

Currency

Jumlah Obligasi(Rp Juta)

Amount of Bonds(IDR Million)

Tanggal Jatuh

TempoDue date

Tingkat Suku BungaInterest Rate

Status PembayaranPayment Status

1. NCD III A bank bjb Tahun 2018NCD III A bank bjb in 2018

28-Mar-18 28-Mar-18 373 hari | days

IDR 240.000.000.000 5-Apr-19 6,30%6.30%

Aktif | Active

2. NCD III B bank bjb Tahun 2018NCD III B bank bjb in 2018

28-Mar-18 28-Mar-18 1.094 hari | days

IDR 110.000.000.000 26-Mar-21 7,50%7.50%

Aktif | Active

3. Term Loan I Term Loan I

29-Mar-18 29-Mar-18 2 tahun | years

IDR 2.000.000.000.000 27-Mar-20 JIBOR 3M + 1.5%JIBOR 3M + 1.5%

Aktif | Active

4. Term Loan IITerm Loan II

7-Jun-18 7-Jun-18 3 tahun | years

IDR 1.500.000.000.000 7-Jun-21 7,80%7.80%

Aktif | Active

5. Term Loan IIITerm Loan III

31-Oct-18 31-Oct-18 3 tahun | years

IDR 220.000.000.000 15-Oct-21 9,10%9.10%

Aktif | Active

6. Term Loan IVTerm Loan IV

16-Nov-18 16-Nov-18 2 tahun | years

IDR 2.000.000.000.000 16-Oct-20 JIBOR 3M + 1.25% JIBOR 3M + 1.25%

Aktif | Active

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PERISTIWA PENTING DI TAHUN 2018Signifi cant Events in 2018

11 Januari | January 11

bank bjb memberikan penghargaan kepada sejumlah debitur terbaik UMKM di Hotel El Royale, Bandung, sebagai puncak rangkaian acara “Debitur Teladan UMKM 2017”. Pemilihan penerima penghargaan melalui seleksi, antara tingkat kolektabilitas pinjaman, perkembangan usaha, dampak usaha terhadap lingkungan.

bank bjb gave awards to a number of the best MSME debtors at El Royale Hotel, Bandung, as the culmination of a series of “2017 UMKM Exemplary Debtors”. Selection of award recipients through selection, between the level of loan collectability, business development, business impact on the environment.


Tim voli bernama “Bandung bank bjb Pakuan” ini optimis keluar sebagai juara dalam kompetisi. Tim ini didukung oleh bank bjb dan Pemerintah Provinsi Jawa Barat dengan tujuan untuk melahirkan bibit-bibit atlet yang potensial melalui pemberian fasilitas wadah pembinaan atlet yang baik untuk cabang olahraga voli di Jawa Barat.

The volleyball team named “Bandung bank bjb Pakuan” is optimistic that he will win the competition. The team was supported by the bank bjb and the West Java Provincial Government with the aim of producing potential athletes through the provision of facilities for building good athletes for volleyball in West Java.


bank bjb membantu pembangunan dua unit ruang kelas baru di SMAN 9 Bandung, Jawa Barat sebagai wujud tanggung jawab sosial. Perseroan sebagai mitra pemerintah ikut turut serta meningkatkan pendidikan yang bermutu, berkualitas dan layak.

bank bjb helped build two new classroom units at SMAN 9 Bandung, West Java as a form of social responsibility. The company as a government partner also participates in improving quality, quality and decent education.


bank bjb mendukung pelaksanaan Gerakan Nasional Non-Tunai (GNNT) melalui program pengelolaan penyaluran dana Bantuan Operasional Siswa (BOS) berbasis aplikasi ‘Si-BOS’, bekerja sama dengan Asosiasi Bank Daerah (Asbanda) dan Kementerian Pendidikan dan Kebudayaan RI.

bank bjb supports the implementation of the Non-Cash National Movement (GNNT) through the application program management application-based “Si-BOS” Student Operational Fund (BOS), in collaboration with the Regional Bank Association (Asbanda) and the Indonesian Ministry of Education and Culture.


bank bjb menggelar konser musik bertajuk “Membangun Kembali Memori Masa Lalu” di Balai Sarbini, Jakarta. Konser yang dimeriahkan artis-artis tahun 80-an dan 90-an ini ikut mendorong penambahan dana pihak ketiga, sekaligus branding bank bjb kepada masyarakat luas. .

bank bjb held a music concert titled “Rebuilding the Memory of the Past” at Balai Sarbini, Jakarta. The concert enlivened by artists in the 80s and 90s helped encourage the addition of third party funds, as well as bank bjb branding to the wider community.

23 Februari | February 23

bank bjb menutup tahun 2017 dengan hasil yang positif setelah berhasil membukukan laba bersih Rp1,6 triliun, tumbuh 1,5% dibandingkan tahun sebelumnya. Hal ini disampaikan di acara Analyst Meeting 2017 di Hotel Ritz Carlton Pacifi c Palace, Jakarta.

bank bjb closed the year 2017 with positive results after successfully posting a net profi t of Rp1.6 trillion, growing 1.5% compared to the previous year. This was conveyed at the Analyst Meeting 2017 at the Ritz Carlton Pacifi c Palace Hotel, Jakarta.

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28 Februari | February 28

bank bjb menggelar Rapat Umum Pemegang Saham Tahunan (RUPST) Tahun Buku 2017 di Hotel Aryaduta, Bandung. Rapat menyetujui dan mengesahkan Laporan Keuangan Perseroan periode 2017 serta pembayaran dividen sebesar 55% dari laba bersih atau sebesar Rp875,58 miliar (Rp90,3 per lembar saham).

bank bjb held the Annual General Meeting of Shareholders (AGM) for the 2017 Financial Year at Aryaduta Hotel, Bandung. The meeting approved and ratifi ed the Company’s Financial Statements for the 2017 period as well as dividend payments of 55% of net income or in the amount of IDR 875.58 billion (IDR 90.3 per share).

Berbagai macam program-program menarik, hadir untuk memanjakan para nasabah, salah satunya adalah bjb WideSCREEN atau nonton bareng gratis. Acara yang sudah dilaksakan sejak tahun 2012 itu digelar di Balikpapan, Kalimantan Timur.

Various kinds of interesting programs, present to pamper the customers, one of which is bjb WideSCREEN or watch together for free. The event which has been held since 2012 was held in Balikpapan, East Kalimantan.

27 Maret | March 27

Kinerja bank bjb pada periode triwulan pertamanya (Januari, Februari, Maret) mengami pertumbuhan yang positif, hal ini di antaranya karena keberhasilan bjb menekan cost to income rasio. Paparan disampaikan pada acara analyst meeting Q1-2018 di Hotel Ritz Carlton Pacifi c Palace, Jakarta.

bank bjb performance in the fi rst quarter period (January, February, March) has positive growth, this is partly due to the success of the bjb to reduce the cost to income ratio. The presentation was delivered at the Q1-2018 analyst meeting at the Ritz Carlton Pacifi c Palace Hotel, Jakarta.

23 April | April 23

bank bjb menandatangani nota kesepahaman dengan PGO (Perkumpulan Gerakan OK OCE) tentang Penggunaan Produk, Jasa dan Layanan Perbankan untuk mendukung kegiatan ekspor yang dilakukan PGO. Penandatanganan tersebut berlangsung di Ruang Balai Agung & Ruang Media, Balaikota DKI Jakarta.

bank bjb signed a memorandum of understanding with PGO (OK OCE Movement Association) on the Use of Banking Products, Services and Services to support export activities carried out by PGO. The signing took place at the Balai Agung Room & Media Room, DKI Jakarta City Hall.

24 April | April 24 2 Mei | May 2

bank bjb menandatangani nota kesepahaman (MoU) dengan Badan Pengusahaan (BP) Batam tentang Jasa Layanan Perbankan yang ditandatangani oleh Direktur Utama bank bjb Ahmad Irfan dan Kepala BP Batam Lukita Dinarsyah Tuwo di Kepulauan Riau. Acara ini, antara lain dihadiri oleh Menteri Koordinator Perekonomian Darmin Nasution dan Gubernur Kepulauan Riau H. Nurdin Basirun.

bank bjb signed a memorandum of understanding (MoU) with the Batam Concession Agency (BP) about Banking Services Services signed by Bank Director bjb Ahmad Irfan and BP Batam Head Lukita Dinarsyah Tuwo in Riau Islands. The event, among others, was attended by Coordinating Minister for the Economy Darmin Nasution and Riau Islands Governor H. Nurdin Basirun.

5 Mei | May 5

bank bjb bekerja sama dengan sejumlah agen perjalanan ternama, seperti Cipta Vacation, Dwidaya Tour dan Art Deco Tour, menyelenggarakan bjb Travel Fair – Experience: The Exotic Asia, yang diselenggarkan di Mall Paskal 23, Bandung (5-6 Mei 2018).

bank bjb collaborated with a number of well-known travel agents, such as Cipta Vacation, Dwidaya Tour and Art Deco Tour, held the bjb Travel Fair-Experience: The Exotic Asia, which was held at Mall Paskal 23, Bandung (5-6 May 2018).


29






14 Mei | May 14

bank bjb merayakan hari jadinya yang ke-57 dengan tema “Tandamata Untuk Negeri” di Kawasan Gedung Sate, Bandung. Pada peringatan ini, digelar sejumlah acara, seperti Karnaval Budaya, Bazaar UMKM dan Properti, Wayang Golek, Flash Mob Gerakan Untuk Negeri, bjb Autobition, bjb Club Performance, Talkshow & Tutorial Wirausaha, Mojang Lodaya, Marching Band.

bank bjb celebrated its 57th anniversary with the theme “Tandamata untuk Negeri” in Gedung Sate, Bandung. In this commemoration, a number of events were held, such as Cultural Carnival, MSME and Property Bazaar, Golek Puppet, Flash Mob Movement for the Country, bjb Autobition, Club Performance bjb, Entrepreneur Talkshow & Tutorial, Mojang Lodaya, Marching Band.

7 Mei | May 7

bjb WideSCREEN yang telah diselenggarakan sejak 2012 untuk menjaring nasabah baru maupun nasabah existing kembali diadakan. Kali ini digelar di Pekanbaru dengan menyuguhkan fi lm Avenngers Infi nity War.

bjb WideSCREEN which has been held since 2012 to attract new customers and existing customers again. This time was held in Pekanbaru by presenting the movie Avenngers Infi nity War.

16 Mei | May 16

bank bjb menandatangani Nota Kesepahaman (MoU) dengan Al Rajhi Banking & Investment Corporation (Malaysia) Berhad yang ditandatangani oleh Direktur Operasional bank bjb Fermiyanti dan Chief Operating Offi cer (COO) Al Rajhi Bank Zarir Bin Mohd Rawi di Hotel Ritz Carlton Pacifi c Place, Jakarta (16/5). Ruang lingkup kerja sama meliputi General Banking Services’s Project.

bank bjb signed a Memorandum of Understanding (MoU) with Al Rajhi Banking & Investment Corporation (Malaysia) Berhad signed by the Director of Operations bjb Fermiyanti and Chief Operating Offi cer (COO) Al Rajhi Bank Zarir Bin Mohd Rawi at Ritz Carlton Pacifi c Place, Jakarta (16/5). The scope of cooperation includes the General Banking Services’s Project.

28 Juni | June 28

bank bjb menandatangani Memorandum of Understanding (MoU) dengan Himpunan Kawasan Industri (HKI) Indonesia terkait layanan perbankan sebagai bentuk dukungan bank bjb terhadap industri nasional.

bank bjb signed a Memorandum of Understanding (MoU) with the Indonesian Industrial Zone Association (HKI) regarding banking services as a form of bank bjb support for national industries.

8 Juni | June 8

bank bjb melakukan Pengembalian Dana Bergulir Tahap II, Kredit Cinta Rakyat (KCR) kepada pemerintah Provinsi Jawa Barat Sebesar 50 Miliar Rupiah, Penyaluran KCR dilaksanakan melalui 5 tahapan dengan total 385 Miliar Rupiah, hingga Akhir Maret 2018, dana KCR telah tersalur sebesar Rp556.945.450.000 (Lima ratus lima puluh enam miliar sembilan ratus empat puluh lima juta empat ratus lima puluh ribu rupiah). Dana ini termanfaatkan dengan baik oleh 16,403 pelaku UMKM di Jawa Barat dengan penyerapan tenaga kerja mencapai 37, 832 orang.

bank bjb does a Phase II Return of Revolving Fund, People’s Love Credit (KCR) to the West Java Provincial Government of 50 Billion Rupiah, KCR Distribution is carried out through 5 stages with a total of 385 Billion Rupiahs, until the End of March 2018, KCR funds have been channeled at Rp556,945. 450,000 (Five hundred fi fty six billion nine hundred and forty fi ve million four hundred fi fty thousand rupiahs). This fund was utilized well by 16,403 MSMEs in West Java with employment reaching 37, 832 people.

30





bank bjb menghadirkan festival otomotif bertajuk The 2nd Indonesia Autovaganza di QBig BSD City Mall, Jl BSD Raya Utama-Tangerang Selatan. Acara itu berisi pameran produk-produk otomotif, kontes modifi kasi dan ragam acara bertema otomotif lainnya. Ajang ini sekaligus menjadi momen promosi produk, layanan, jasa perbankan dan program-program menarik bank bjb kepada pembeli dan pengunjung ajang tersebut.

bank bjb presents an automotive festival titled The 2nd Indonesia Autovaganza at QBig BSD City Mall, Jl BSD Raya Utama-Tangerang Selatan. The event contains exhibitions of automotive products, modifi cation contests and various other automotive-themed events. This event is also a moment of promotion of products, services, banking services and attractive bank bjb programs to buyers and visitors of the event.

7 Juli | July 7

bank bjb menggelar bjb Lego Creative Carnival di Atrium Mal 23 Paskal, di Jalan Pasir Kaliki, Kota Bandung. Acara itu digelar selama dua minggu, dari 9 hingga 22 Juli 2018. Selain pameran produk Lego terbaru dan limited edition yang didatangkan khusus, acara itu juga dimeriahkan dengan kegiatan menarik yang melibatkan pengunjung, seperti perlombaan, games interaktif, building competition, dan lainnya.

bank bjb held the bjb Lego Creative Carnival at Atrium Mall 23 Paskal, on Jalan Pasir Kaliki, Bandung City. The event was held for two weeks, from 9 to 22 July 2018. In addition to the exhibition of the latest Lego products and special edition which were specially imported, the event was also enlivened by interesting activities involving visitors, such as competitions, interactive games, building competition, and others.

9 Juli | July 9

bank bjb ikut terlibat dalam peringatan Hari Koperasi Nasional ke-71 yang digelar di Indonesia Convention and Exhibition (ICE) BSD City, Tangerang, Banten. Dengan tema “Penguatan Koperasi Mendorong Ekonomi Nasional”. yang dibuka Presiden Republik Indonesia Ir. H. Joko Widodo.

bank bjb was involved in the commemoration of the 71st National Cooperative Day held at the Indonesia Convention and Exhibition (ICE) BSD City, Tangerang, Banten. With the theme “Strengthening Cooperatives Encouraging the National Economy”. opened by the President of the Republic of Indonesia, Ir. H. Joko Widodo.

12 Juli | July 12

bank bjb meluncurkan bjb University di kantor pusat bjb, Bandung. bjb University merupakan salah satu wujud komitmen bank bjb dalam pengembangan kualitas insan bjb melalui program pendidikan yang berkualitas dan selaras dengan tujuan bisnis dan strategi bank.

bank bjb launched bjb University at bjb Headquarters, Bandung. bjb University is a manifestation of bank bjb’s commitment in developing the quality of bjb employees through quality education programs that are in line with the bank’s business objectives and strategies.

18 Juli | July 18

bank bjb menggelar acara nonton bareng (Nobar) fi lm “22 Menit” bagi seluruh karyawannya di CGV Paskal 23 Mall, Bandung. Acara nobar fi lm “22 Menit” adalah bentuk apresiasi bank bjb atas kinerja Polisi Republik Indonesia.

bank bjb held an event to watch together (Nobar) the fi lm “22 Minutes” for all of its employees at CGV Paskal 23 Mall, Bandung. The nobar fi lm “22 Minutes” was a form of bank bjb appreciation for the performance of the Police of the Republic of Indonesia.

20 Juli | July 20

bank bjb bersama Pocari Sweat menyelenggarakan Event Marathon “Pocari Sweat West Java Marathon” yang terbagi mejadi 4 kategori yaitu 5K, 10K, Half Marathon (21K) dan Full Marathon (42K). Hal ini merupakan bentuk dukungan bank bjb dalam memajukan dan mendorong Sport Tourism Jawa Barat khususnya Kota Bandung.

bank bjb together with Pocari Sweat held the Marathon Event “Pocari Sweat West Java Marathon” which was divided into 4 categories namely 5K, 10K, Half Marathon (21K) and Full Marathon (42K). This is a form of bank bjb support in advancing and encouraging West Java Sport Tourism, especially the city of Bandung.

22 Juli | July 22

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bank bjb berhasil meraih penghargaan peringkat ke-6 di Indonesia The Best Public Companies Based on Wealth Added Index (WAI), Kategori Industri Bank. bjb juga meraih peringkat ke-14 di Indonesia The Best Public Companies Based on WAI (Overall) 2018 pada ajang Wealth Added Creator Award 2018 yang diselenggarakan oleh Majalah SWA dan Stern & Co.

bank bjb won the 6th rank in Indonesia The Best Public Companies Based on Wealth Added Index (WAI), Category of Bank Industry. bjb also won 14th place in Indonesia in 2018, the Best Public Companies Based on WAI at the 2018 Wealth Added Creator Award held by SWA Magazine and Stern & Co.

26 Juli | July 26

bank bjb menggelar konser “Special Night with Judika” di Hotel Aryaduta, Kota Palembang. untuk memuaskan nasabah bank bjb, bank bjb memberikan tiket gratis dengan syarat melakukan transaksi di bank bjb berupa pembukaan tabungan baru atau melakukan top up up dengan jumlah tertentu untuk setiap jenis tiket.

bank bjb held a concert “Special Night with Judika” at Aryaduta Hotel, Palembang City. to satisfy bank bjb customers, bank bjb provides free tickets provided that they make a transaction at bank bjb in the form of opening new savings or topping up a certain amount for each type of ticket.

27 Juli | July 27

bank bjb mengucurkan dana kepada PT Jasamarga Jalanlayang Cikampek (JJC), anak usaha PT Jasa Marga (Persero) sebesar Rp252.494.500.000,- sebagai fasilitas Kredit Investasi (KI) Sindikasi untuk pembangunan Proyek Jalan Tol Layang Jakarta-Cikampek dengan tenor kredit selama 15 tahun.

bank bjb disbursed funds to PT Jasamarga Jalanlayang Cikampek (JJC), a subsidiary of PT Jasa Marga (Persero) in the amount of Rp252,494,500,000,- as an Syndicated Investment Credit facility for the construction of the Jakarta-Cikampek Layang Toll Road Project with a credit tenor of 15 years.

31 Juli | July 31

bank bjb menutup triwulan II 2018 dengan hasil yang positif setelah berhasil membukukan laba bersih Rp903 milar rupiah atau tumbuh sebesar 9,2% dibandingkan tahun sebelumnya. Hal ini disampaikan di acara Analyst Meeting 2017 di Hotel Ritz Carlton Pacifi c Palace, Jakarta.

bank bjb closed the second quarter of 2018 with a positive result after successfully posting a net profi t of Rp903 billion rupiah or growing by 9.2% compared to the previous year. This was conveyed at the Analyst Meeting 2017 at the Ritz Carlton Pacifi c Palace Hotel, Jakarta.

1 Agustus | August 1

bank bjb bersama Pemerintah Provinsi Jawa Barat turut terpanggil meringankan penderitaan para korban bencana gempa bumi yang terjadi di Lombok. Untuk itu, bank bjb langsung menyalurkan bantuan kemanusiaan kepada Pemerintah Provinsi Nusa Tenggara Barat (NTB) melalui Badan Penanggulangan Bencana Daerah (BPBD) senilai Rp.1,6 miliar di Posko Bencana Alam Gempa Bumi Prov. NTB, Gedung Sangkariang Kantor Gubernur NTB.

bank bjb along with the West Java Provincial Government were also called to alleviate the suffering of the victims of the earthquake in Lombok. For this reason, the bank bjb directly distributed humanitarian assistance to the Provincial Government of West Nusa Tenggara (NTB) through the Regional Disaster Management Agency (BPBD) worth Rp. 1.6 billion at the Prov. Earthquake Natural Disaster Command Post. NTB, Sangkariang Building, NTB Governor’s Offi ce.


bank bjb berpartisipasi dalam program kerja bakti Kota Bandung berjudul Beberes Bandung dalam rangka menyambut hari Kemerdekaan Republik Indonesia ke-73 dan gelaran Asian Games ke-18, Pemerintah Kota Bandung mengadakan kegiatan Beberes Bandung yang dilaksanakan pada tanggal 11-12 Agustus 2018 di seluruh penjuru Kota Bandung.

bank bjb participated in the Bandung city service program entitled Beberes Bandung in order to celebrate the 73rd Independence Day of the Republic of Indonesia and the 18th Asian Games title, the Bandung City Government held a Beberes Bandung event held on 11-12 August 2018 in all cities Bandung.


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bank bjb menerbitkan kartu multifungsi Bandung Smart Card (BSC). Bersama dengan 8 Bank Nasional lainnya, bank bjb melakukan penandatanganan kerjasama dengan Pemerintah Kota Bandung untuk peluncuran Bandung Smart Card (BSC). Penandatanganan dilakukan oleh Direktur Operasional bank bjb, Fermianti Bersama dengan Walikota Bandung.

bank bjb publishes a Bandung Smart Card (BS

AR BJB 2018 IDX · 2019-12-31 · Operational Highlight 20 Informasi Harga Saham ... Manajemen...

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