Services Penjualan Sales bjb Kredit Guna Bhakti Pola Channeling

125 bank bjb Annual Report 2014 4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data EFOHBO LFNBNQVBO NFOBXBSLBO TVLV CVOHB ZBOH LPNQFUJUJG TFQBOKBOHUJEBLNFMBOHHBSBUVSBOZBOHTVEBI ditetapkan oleh regulator. Untuk itu, pada tahun 2015 bank bjb akan melakukan sejumlah hal di bidang produk EBOTVLVCVOHBJOJ ZBOHEJBOUBSBOZBBEBMBI • Melakukan review kebijakan Kredit Konsumer. • Pemberlakuan struktur kredit khusus . • Melakukan review tingkat suku bunga khusus untuk daerah di luar provinsi Jawa Barat dan Provinsi Banten ZBJUV MFCJISFOEBIEBSJ1TFUFNQBU

B. Promosi

Meningkatkan awareness publik terhadap produk QFNCJBZBBOEJTFHNFOLPOTVNTJBLBOEJMBLVLBONFMBMVJ CFSBHBNTBMVSBOLPNVOJLBTJBHBSEBZBKBOHLBVQSPEVL kredit konsumer bank bjb semakin luas. Beberapa strategi ZBOHUFMBIEJTJBQLBOEJCJEBOHQSPNPTJ EJBOUBSBOZB 1FMBLTBOBBO QSPNPTJ QFNBTBSBO ZBOH MFCJI FGFLUJG dan berkesinambungan seperti pembuatan marketing tools untuk Kredit Konsumer serta pemasaran melalui media publikasi. JMBLTBOBLBOOZB QSPHSBN reward Member Get Member ZBOH EJCFSJLBO LIVTVT CBHJ EFCJUVS bjb KGB bjb Kredit Pra Purna Bhakti dan debitur bjb ,SFEJU 1VSOB IBLUJ ZBOH CFSIBTJM NFNCBXB SFLBO BUBV LPMFHBOZB NFOKBEJ EFCJUVS CBSV EBO EFCJUVS mengulang bank bjb. - Pelaksanaan program Consumer Loan Loyalty 1SPHSBN TBMBI TBUVOZB EFOHBO QFNCFSJBO voucher LFQBEBEFCJUVSCBSVEBOEFCJUVSZBOHNFMBLVLBO top up. - Gathering kepada Debitur sebagai bentuk promosi below the line, disesuaikan dengan kultural daerah dan minat para debitur 1SPHSBNBEJBI-BOHTVOHCBHJEFCJUVSZBOHCFSIBTJM NFNCBXBSFLBOBUBVLPMFHBOZBNFOKBEJEFCJUVSCBSV bank bjb. C. Layanan .FNCFSJLBO MBZBOBO UFSCBJL CBHJ OBTBCBI LIVTVTOZB pada segmen kredit konsumer sudah menjadi komitmen bank bjb 4FMBJO JUV QFOJOHLBUBO LVBMJUBT MBZBOBO KVHB NFOKBEJCBHJBOEBSJTUSBUFHJNFOHIBEBQJQFSTBJOHBOZBOH TFNBLJOLFUBUFCFSBQBJOJTJBUJGZBOHBLBOEJKBMBOLBO EJ BOUBSBOZB competitive interest rates, provided that the interest rates EPOPUWJPMBUFUIFSVMFTTFUCZUIFSFHVMBUPS5PUIBUFOE in 2015 bank bjb will perform a number of initiatives in the mFMEPGQSPEVDUTBOEJOUFSFTUSBUFT XIJDIJODMVEF t 3FWJFXUIFPOTVNFSSFEJU1PMJDZ t QQMZTQFDJBMDSFEJUTUSVDUVSF t 3FWJFXTQFDJmDJOUFSFTUSBUFGPSUIFBSFBPVUTJEFUIF QSPWJODFPG8FTU+BWBBOEBOUFOOBNFMZMPXFS than the local BPD.

B. Promotion

ODSFBTJOHQVCMJDBXBSFOFTTPGUIFmOBODJOHQSPEVDUTJO UIFDPOTVNFSTFHNFOUXJMMCFQFSGPSNFEUISPVHIBWBSJFUZ of communication channels so that the Bank’s consumer DSFEJUQSPEVDUTXJMMCFJODSFBTJOHMZXJEFTQSFBE4FWFSBM TUSBUFHJFTQSFQBSFEJOUIFmFMEPGQSPNPUJPOJODMVEF - Implement a more effective and sustainable marketing campaign such as the creation of marketing tools for Consumer Credit and marketing through publication media. - Implement rewards program Member Get Member QSPWJEFETQFDJmDBMMZGPSUIFEFCUPSTPG bjb KGB bjb Kredit Pra Purna Bhakti and bjb Kredit Purna Bhakti who manage to invite friends or colleagues to become new debtors and the repeating debtor of bank bjb. NQMFNFOU UIF POTVNFS -PBO -PZBMUZ 1SPHSBN CZ giving vouchers to new debtor sand the debtors performing top up. - Gathering with the debtors as a form of promotion below the line, adapted to local culture and interests of the debtor 5IFJSFDU3FXBSE1SPHSBNGPSEFCUPSTXIPNBOBHF to invite friends or colleagues to become new debtors of bank bjb.

C. Services

The Bank will provide the best services for customers, FTQFDJBMMZ JO UIF TFHNFOU PG DPOTVNFS DSFEJU UIBU has become the Bank’s commitment. In addition, the JNQSPWFNFOUPGUIFRVBMJUZPGTFSWJDFTJTBMTPQBSUPGUIF TUSBUFHZUPGBDFUIFJODSFBTJOHMZmFSDFDPNQFUJUJPO4PNF PGUIFJOJUJBUJWFTUIBUXJMMCFJNQMFNFOUFE JODMVEF CONSUMER 126 bank bjb Laporan Tahunan 2014 LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO • Pengembangan sistem aplikasi Webscoring Analisa Kredit Konsumer. • Standardisasi formulir aplikasi pengajuan Kredit Konsumer. • Optimalisasi Service Level Agreement SLA di Kantor Cabang.

D. Penjualan

Dari sisi penjualan, bank bjb akan melakukan strategi PQUJNBMJTBTJ EJ BOUBSBOZB NFMBMVJ LFSKB TBNB EFOHBO CBOL MBJO EBMBN QFOZBMVSBO EBOB LPOTVNFS 6OUVL JUV 1FSVTBIBBO UFMBI NFOZFUVKVJ QFOBNCBIBO EBOB VOUVL kepentingan tersebut, mengingat batas ketersediaan EBOB ZBOH BEB TVEBI NFODBQBJ NBLTJNVN 4FKVNMBI TUSBUFHJZBOHEJSFODBOBLBOQBEBUBIVO EJBOUBSBOZB BEBMBI - Pemasaran secara proaktif dan berkesinambungan. - Optimalisasi Pemasaran kepada Pensiunan dan calon Pensiunan. 1FOZBMVSBO LSFEJU NFMBMVJ QPMB channeling kepada BPD Bengkulu - PPLJOH0GmDF Kerja sama Asset Buy kredit Multiguna bjb , EBSJ • Bank Sulteng • Bank Papua MJBOTJ TUSBUFHJT ZBOH MFCJI JOUFOTJG EFOHBO JOTUJUVTJ lembaga pengelola dana pensiunan. .FNCVLB QFMVBOH QPUFOTJ QBTBS TBMBI TBUVOZB NFMBLVLBO1,4EFOHBO15104EBOJOTUBOTJMBJOOZB - Optimalisasi potensi debitur Top Up menawarkan LFNCBMJ LFQBEB EFCJUVS ZBOH UFMBI NFOHBMBNJ QFOVSVOBO CBLJ EFCFU EBSJ QMBGPO BXBM EBO EFCJUVSEFOHBOKBOHLBXBLUVLSFEJUZBOHBLBOKBUVI tempo. t 5IF FWFMPQNFOU PG UIF BQQMJDBUJPO TZTUFN 8FC TDPSJOHOBMZTJTPGPOTVNFSSFEJU • Standardization of Consumer Credit application form • Optimizing Service Level Agreement SLA in the SBODI0GmDFT

D. Sales

In terms of sales, bank bjb will perform optimization strategies, including through cooperation with other banks in the distribution of consumer funds. To that end, the PNQBOZIBTBHSFFEUPJODSFBTFGVOEJOHGPSUIJTQVSQPTF HJWFO UIF MJNJU PG UIF FYJTUJOH BWBJMBCJMJUZ PG GVOET IBT reached the maximum. The strategies planned in 2015, BNPOHPUIFSTBSF .BSLFUQSPBDUJWFMZBOEDPOUJOVPVTMZ 0QUJNJ[F .BSLFUJOH GPS 1FOTJPOFST BOE 3FUJSFE candidates. - Lending through channeling to BPD Bengkulu PPLJOH0GmDF TTFUVZPPQFSBUJPO .VMUJQVSQPTF DSFEJUCKC, PG • Bank Sulteng • Bank Papua - More intensive strategic alliance with institutions pension fund management institutions - Opening up the market potential, one of which performed cooperation agreement with PT POS and other agencies - Optimize potential Top Up debtors offer back to debtors who have experienced a decrease in the PVUTUBOEJOHEFCJUPGPGUIFJOJUJBMMJNJUBOEEFCUPST XJUIVQDPNJOHDSFEJUNBUVSJUZ KONSUMER 127 bank bjb Annual Report 2014 4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data CONSUMER 128 bank bjb Laporan Tahunan 2014 LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO bjb PRECIOUS bjb PRECIOUS 129 bank bjb Annual Report 2014 4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data bjb 1SFDJPVT NFSVQBLBO MBZBOBO ZBOH CFSTJGBU FLTLMVTJG dan personal bagi pribadi-pribadi istimewa nasabah QFSTFPSBOHBO ZBOH NFNJMJLJ TJNQBOBO QBEB CBOL bjb dalam jumlah tertentu. bjb Precious meletakkan prinsip- QSJOTJQEBOGBMTBGBIiZBOHTBOHBUCFSIBSHBwTFCBHBJGPOEBTJ EBMBNNFXVKVELBOUVKVBOMBZBOBOFLTLMVTJGQFSCBOLBOCBHJ nasabah prima. Yakni melalui peningkatan kredibilitas dan eksklusivitas, seperti konsep Keramahan, Kemudahan, dan ,FOZBNBOBO -BZBOBO bjb 1SFDJPVT NFSVQBLBO MBZBOBO UFSCBJL ZBOH EJCFSJLBOLFQBEBQSJCBEJQSJCBEJJTUJNFXBZBOHNFNCVUVILBO QFMBZBOBONBLTJNBMCBJLEBSJTFHJLFSBNBIBO LFNVEBIBO LFOZBNBOBO LFBNBOBO EBO UFSQFSDBZB BTBCBI bjb 1SFDJPVT ZBOH EJTFCVU EFOHBO OBTBCBI QSJNB QFSPSBOHBO JHI FU 8PSUI OEJWJEVBMT , harus memiliki minimal dana TFCFTBS3QZBOHEJUFNQBULBOEJCBOL bjb. 1BEBBXBMOZB QSPEVLUFSTFCVUCFSOBNB bjb Prioritas. Setelah dilakukan rebranding QBEBFTFNCFS OBNBMBZBOBO tersebut berubah menjadi “ bjb Precious”. Rebranding itu bertujuan untuk menjadikan bjb 1SFDJPVTTFCBHBJNFSFLZBOH LVBUEJNBUBNBTZBSBLBU TFLBMJHVTNFOFHBTLBOLSFEJCJMJUBT EBOFLTLMVTJWJUBTMBZBOBOOZB bjb Precious is a service that is exclusive and personalized for special persons individual customers with certain amount of deposits in bank bjb. bjb Precious places the principles BOE QIJMPTPQIZ PG iWBMVBCMFw BT UIF GPVOEBUJPO GPS SFBMJ[JOH FYDMVTJWF CBOLJOH TFSWJDFT GPS QSJNF DVTUPNFST OBNFMZ UISPVHI JODSFBTFE DSFEJCJMJUZ BOE FYDMVTJWJUZ TVDI BT UIF DPODFQUPGIPTQJUBMJUZ BTF BOEPOWFOJFODF The services of bjb precious are the best services given to special individuals requiring maximum services both in terms PG IPTQJUBMJUZ DPOWFOJFODF DPNGPSU TBGFUZ BOE SFMJBCJMJUZ The customers of bjb precious called the prime individual DVTUPNFST JHIFUXPSUIOEJWJEVBMT NVTUIBWFBNJOJNVN GVOEPG3Q QMBDFEJOUIFCBOL bjb. OJUJBMMZ UIF QSPEVDU XBT OBNFE bjb Prioritas. After the rebranding on December 12, 2012, the name of the service was changed to “ bjb Precious”. The rebranding aimed to make bjb 1SFDJPVTBTUSPOHCSBOEJOUIFFZFTPGDVTUPNFST BTXFMMBTBGmSNDSFEJCJMJUZBOEFYDMVTJWJUZPGJUTTFSWJDFT BJB PRECIOUS 130 bank bjb Laporan Tahunan 2014 LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO Melalui kebijakan tersebut, diharapkan dapat meningkatkan customer loyalty TFSUB NFOBNCBI OJMBJ EBO NFNJMJLJ EBZB TBJOH UFSIBEBQ MBZBOBO TFKFOJT ZBOH EJNJMJLJ PMFI QBSB pesaing. Untuk meningkatkan kinerja produk, bank bjb telah melakukan sejumlah program menarik agar dapat mendorong peningkatan jumlah nasabah. STRATEGI 4USBUFHJ ZBOH EJJNQMFNFOUBTJLBO TFQBOKBOH UBIVO dalam rangka mendukung kinerja bjb 1SFDJPVTBEBMBI a. Mengadakan gathering CBJLZBOHCFSTJGBUBLVJTJTJNBVQVO CFSTJGBUBUFOTJVOUVLNFOJOHLBULBOMPZBMJUBTBOHHPUB bjb Precious. b. Menambah kerja sama dengan pihak ketiga untuk meningkatkan hak istimewa privilege kepada member bjb Precious. D .FOJOHLBULBO LVBMJUBT MBZBOBO EFOHBO NFNCFOBIJ EBO melakukan standardisasi gerai bjb Precious. E .FOHHBMJQPUFOTJEBOBEJCFCFSBQBXJMBZBIUFSUFOUV ZBOH belum terdapat gerai bjb Precious dengan penempatan PIC Person In Charge marketing bjb Precious. d. Melakukan peningkatan SDM bjb 1SFDJPVT LIVTVTOZB dalam hal penambahan kuantitas serta peningkatan kualitas SDM bjb Precious. Keunggulan Layanan 4FCBHBJ MBZBOBO QSJNB OBTBCBI bjb Precious berhak NFOEBQBULBO MBZBOBO UFSCBJL EBO FLTLMVTJG 4FKVNMBI IBM ZBOHEJCFSJLBOPMFI1FSVTBIBBOUFSIBEBQOBTBCBIMBZBOBO FLTLMVTJGJOJ EJBOUBSBOZB • Memberikan Kemudahan bjb Precious sangat memahami kesibukan dan CFSIBSHBOZB XBLUV OBTBCBI 6OUVL JUV bjb Precious NFOZFEJBLBOCFSCBHBJLFNVEBIBOCBHJOBTBCBIEBMBN NFMBLTBOBLBO USBOTBLTJ QFSCBOLBO 4FQFSUJ QFMBZBOBO transaksi perbankan secara personal dari bjb 1SFDJPVT save deposit box TFSUBCFSBHBNLFNVEBIBOMBJOOZB • Keramahan Keramahan dan ketulusan adalah sikap utama dalam NFMBZBOJ OBTBCBI TFCBHBJ NFNCFS bjb Precious. bjb Precious siap membantu menangani segala urusan perbankan Anda secara profesional. 5ISPVHIUIJTQPMJDZ UIFBOLFYQFDUTUPJODSFBTFDVTUPNFS MPZBMUZ BOE JODSFBTF UIF WBMVF BOE DPNQFUJUJWFOFTT UP UIF TBNFLJOEPGTFSWJDFTPXOFECZUIFDPNQFUJUPST5PJNQSPWF the performance of the product, bank bjb conducted a number of interesting programs in to encourage the increase in the number of customers. STRATEGY The strategies implemented throughout 2014 in order to support the performance of bjb 1SFDJPVTBSF B FMEHBUIFSJOHTFJUIFSUPBDRVJSFPSUPQSPWJEFBUUFOUJPOUP JODSFBTFUIFMPZBMUZPGUIFNFNCFSTPG bjb Precious. b. Establish partnerships with third parties in order to improve the privileges for the members of bjb Precious. D NQSPWF UIF RVBMJUZ PG TFSWJDFT CZ JNQSPWJOH BOE standardizing bjb Precious outlets. d. Explore the potential of funds in certain regions with no bjb Precious outlets with the placement of PIC Person in Charge to market bjb Precious. F NQSPWF UIF 3 PG bjb 1SFDJPVT QBSUJDVMBSMZ JO UFSNT PG UIF BEEJUJPO PG RVBOUJUZ BT XFMM BT bjb Precious human SFTPVSDFTRVBMJUZJNQSPWFNFOU Service Excellence As a prime service, the customers of bjb Precious deserve UIFCFTUBOEFYDMVTJWFTFSWJDFT5IFPNQBOZBNPOHPUIFST provides the following for the customers of this exclusive TFSWJDF • Ease bjb 1SFDJPVTEFFQMZVOEFSTUBOETUIFDVTUPNFSTCVTZOFTT the value of time for the customers. To that end, bjb 1SFDJPVTQSPWJEFTDPOWFOJFODFGPSUIFDVTUPNFSTUPDBSSZ out banking transactions, such as the personal banking services from bjb 1SFDJPVT TBWF EFQPTJU CPY BOE B WBSJFUZPGPUIFSDPOWFOJFODFT t PTQJUBMJUZ SJFOEMJOFTTBOETJODFSJUZJTUIFNBJOBUUJUVEFJOTFSWJOH the members of bjb Precious. bjb 1SFDJPVTJTSFBEZUPIFMQ IBOEMFBMMZPVSCBOLJOHBGGBJSTQSPGFTTJPOBMMZ bjb PRECIOUS 131 bank bjb Annual Report 2014 4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data t ,FOZBNBOBO FNJNFOKBHBLFOZBNBOBOEBO privacy setiap transaksi ZBOH EJMBLVLBO NBLB TFUJBQ OBTBCBI BLBO EJMBZBOJ EJ SVBOHBOZBOHEJEFTBJOLIVTVTTFCBHBJLPNJUNFOVOUVL TFOBOUJBTBNFNCFSJLBOZBOHUFSCBJLVOUVLOEB • Fasilitas pemakaian ruang pertemuan. • Airport lounge GBTJMJUBTSVBOHUVOHHVEJCBOEBSB IBOZB dengan menunjukan kartu keanggotaan bjb Precious. • Travel arrangement. t BTBCBIUJEBLQFSMVBOUSFVOUVLCFSUSBOTBLTJ • Customer gathering. KINERJA 2014 Dari sisi operasional, saat ini bjb Precious sudah memiliki 11 HFSBJ VOUVL NFNCFSJLBO QFMBZBOBO TFDBSB PQUJNBM LFQBEB para nasabah. Adapun lokasi gerai bjb 1SFDJPVTZBOHTBBU JOJCFSPQFSBTJBEBMBI a. bjb Precious Bandung b. bjb 1SFDJPVT3BTVOB4BJE c. bjb Precious Serang d. bjb Precious Cirebon e. bjb 1SFDJPVT5BTJLNBMBZB f. bjb Precious Bogor g. bjb Precious Bekasi h. bjb Precious Kelapa Gading i. bjb Precious Tangerang j. bjb Precious Semarang k. bjb 1SFDJPVT4VSBCBZB Selain itu, melalui kartu keanggotaan member, bjb Precious sudah dapat digunakan di lebih dari 1.138 ATM bank bjb, 5. FSTBNB EBO 13. 5. EJ TFMVSVI OEPOFTJBJOHHBUBIVO KVNMBIOBTBCBI bjb Precious NFODBQBJ OBTBCBI BUBV NFOHBMBNJ QFSUVNCVIBO EJCBOEJOHLBO UBIVO ZBOH TFCBOZBL nasabah. Dari sisi komposisi, jumlah nasabah terbesar berasal dari BOEVOH ZBJUV NFODBQBJ EFOHBO KVNMBI OBTBCBI +VNMBI UFSCFTBS LFEVB EBSJ PHPS ZBOH BEB nasabah atau 10,05 dari total nasabah bjb Precious. • Convenience O PSEFS UP NBJOUBJO UIF DPNGPSU BOE QSJWBDZ PG FWFSZ USBOTBDUJPO NBEF FWFSZ DVTUPNFS XJMM CF TFSWFE JO B TQFDJBMMZ EFTJHOFE SPPN BT B DPNNJUNFOU UP BMXBZT QSPWJEFUIFCFTUGPSZPV t 5IF6TFPG.FFUJOH3PPN • Airport lounge, the provision of waiting room in the airport, DVTUPNFSTNBZFOUFSBOEVTFUIFSPPNPOMZCZTIPXJOHB bjb Precious member card. • Travel arrangement. • Customers do not need to queue to perform transactions. • Customer gathering. 2014 PERFORMANCE SPN UIF PQFSBUJPOBM TJEF DVSSFOUMZ bjb Precious has 11 outlets to provide optimal services to its customers. As for the location of the current bjb 1SFDJPVTPVUMFUTBSF a. bjb Precious Bandung b. bjb 1SFDJPVT3BTVOB4BJE c. bjb Precious Serang d. bjb Precious Cirebon e. bjb 1SFDJPVT5BTJLNBMBZB f. bjb Precious Bogor g. bjb Precious Bekasi h. bjb Precious Kelapa Gading i. bjb Precious Tangerang j. bjb Precious Semarang k. bjb 1SFDJPVT4VSBCBZB EEJUJPOBMMZ UIFCKC1SFDJPVTNFNCFSTIJQDBSEDBOBMSFBEZ be used in more than 1,138 bank bjb 5. 5. FSTBNB BOE 13. 5. BDSPTT OEPOFTJB 6OUJM 2014, the number of bjb 1SFDJPVTDVTUPNFSTSFBDIFE DVTUPNFSTPSHSFXDPNQBSFEUPUIFZFBSXIJDI amounted to 3,402 customers. In terms of composition, most of the customers come from BOEVOH XIJDI SFBDIFE PS DVTUPNFST 5IF TFDPOEMBSHFTUDPNFGSPNPHPS OBNFMZDVTUPNFSTPS 10.05 of the total bjb Precious customers. BJB PRECIOUS 132 bank bjb Laporan Tahunan 2014 LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO 3BUBSBUBQFSUVNCVIBOUBIVOBOOBTBCBI bjb Precious sejak tahun 2010 hingga tahun 2014 mencapai 40,31. Berikut ini tabel tentang perkembangan jumlah nasabah dalam lima tahun terakhir. 3QNJMJBS 3QCJMMJPO OBP 2010 2011 2012 2013 2014 Bandung 823 1045 1232 1,484 3BTVOBTBJE 227 115 345 Serang 144 180 307 353 Cirebon 133 223 304 5BTJLNBMBZB 53 85 121 Bogor 154 181 418 Bekasi 104 131 207 Kelapa Gading 147 208 247 Tangerang 72 127 200 Semarang 83 104 112 4VSBCBZB 113 151 232 Total 1.259,00 1.986,00 2.636,00 3.402,00 4.159 4FEBOHLBO OPNJOBM EBOB ZBOH EJLFMPMB QBEB UBIVO TFCFTBS 3Q USJMJVO UVNCVI EJCBOEJOHLBO UBIVO ZBOH 3Q USJMJVO FSEBTBSLBO LJOFSKB MJNB UBIVO UFSBLIJS ZBJUV QFSJPEF SBUBSBUB QFSUVNCVIBO EBOB ZBOH EJLFMPMB TFDBSB UBIVOBO TFCFTBS 37,13 per tahun. 4FCBHJBO CFTBS EBOB ZBOH EJLFMPMB CFSBTBM EBSJ OBTBCBI BOEVOH ZBJUVEFOHBOLPOUSJCVTJ EBSJTFMVSVIEBOB kelolaan bjb 1SFDJPVTBMJOJTFKBMBOEFOHBOKVNMBIOBTBCBI ZBOHUFSCBOZBLKVHBCFSBTBMEBSJLPUBUFSTFCVU Berikut ini dana kelolaan bjb Precious dalam lima tahun terakhir. 3QNJMJBS 3QCJMMJPO OBP 2010 2011 2012 2013 2014 Bandung 1.074.773 3BTVOBTBJE 238.807 205.745 271.744 Serang 183.723 251.573 258.142 Cirebon 108.234 142.550 187.870 257.575 5BTJLNBMBZB 113.755 Bogor 215.728 225.047 Bekasi 82.155 114.114 Kelapa Gading Tangerang 223.183 Semarang 45.823 41.327 4VSBCBZB Total 1.533.832 2.602.309 3.017.415 3.161.721 3.367.682 The average annual growth bjb Precious customers since 2010 until 2014 reached 40.31. Below is the table of UIFEFWFMPQNFOUPGUIFOVNCFSPGDVTUPNFSTJOUIFQBTUmWF ZFBST Meanwhile, the nominal of funds managed in 2014 BNPVOUFEUP3Q USJMMJPOPSHSFXCZDPNQBSFE UP UIF ZFBS XIJDI BNPVOUFE UP 3Q USJMMJPO BTFEPOUIFQFSGPSNBODFXJUIJOUIFMBTUmWFZFBST OBNFMZ in the period of 2010-2014, the average growth of the funds NBOBHFEPOBOBOOVBMCBTJTXBTQFSZFBS Most of the funds managed were derived from the customers GSPN BOEVOH OBNFMZ XJUI B DPOUSJCVUJPO PG PG UIF UPUBMGVOETNBOBHFECZ bjb Precious. This is in line with the fact that most of the customers also come from Bandung. 5IFUBCMFCFMPXTIPXTUIFGVOETNBOBHFECZ bjb Precious in UIFQBTUmWFZFBST bjb PRECIOUS 133 bank bjb Annual Report 2014 4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data BJB PRECIOUS Khusus untuk periode 2013-2014, penjualan bjb Precious difokuskan kepada penjualan produk-produk wealth management BMJUVEJCVLUJLBOEFOHBOQFSUVNCVIBO produk wealth management ZBOHCBJL TFQFSUJEJQFSMJIBULBO pada tabel di bawah ini. 3Q+VUB Tahun Year AUM Reksa Dana AUM Mutual Fund FYP Bancassurance FYP Bancassurance 2012 2013 2014 21.005 RENCANA 2015 BMBNSBOHLBNFNCVBUMBZBOBO bjb Precious semakin optimal dan memiliki positioning ZBOHLVBUEJNBTZBSBLBU TFSUBVOUVL NFOJOHLBULBOQFSTBJOHBOEFOHBOMBZBOBOQSJPSJUBTCBOLMBJO maka bjb Precious akan melakukan beberapa inisiatif sebagai CFSJLVU • Memenuhi kebutuhan SDM bjb Precious baik dari segi kuantitas maupun kualitas. • Melakukan penambahan kerja sama pada Merchant, Medical Arrangement, dan Education Arrangement TFCBHBJCFOUVLQFNCFSJBOGBTJMJUBTZBOHFLTLMVTJGLFQBEB member bjb Precious. • Melakukan renovasi di beberapa outlet bjb Precious sebagai bentuk standardisasi dalam memberikan LFOZBNBOBO UFSIBEBQ NFNCFS bjb Precious, sehingga nasabah eksisting maupun nasabah potensial merasa OZBNBO EBO UFSJTUJNFXBLBO UJEBL TFQFSUJ CFSBEB EJ banking hall. • Melakukan Customer Gathering produk-produk Wealth Management TFSUB QSPHSBN FLTLMVTJG MBJOOZB CBJL CBHJ nasabah eksisting maupun nasabah potensial bank bjb. TQFDJBMMZGPSUIFQFSJPE bjb Precious sales were focused on the sales of wealth management products. This XBTQSPWFOCZUIFTJHOJmDBOUHSPXUIPGXFBMUINBOBHFNFOU products as shown in the table below. 3QNJMMJPO 2015 PLAN In order to create a more optimal bjb Precious services and BTUSPOHQPTJUJPOJOHJOUIFDPNNVOJUZ BTXFMMBTUPJODSFBTF DPNQFUJUJPO XJUI UIF QSJPSJUZ TFSWJDFT PG PUIFS CBOLT bjb 1SFDJPVTXJMMQFSGPSNUIFGPMMPXJOHJOJUJBUJWFT t .FFUUIFOFFETPGKC1SFDJPVT3JOUFSNTPGRVBOUJUZBOE RVBMJUZ • Increase partnerships in terms of Merchant, Medical Arrangement, and Education Arrangement as a form of providing exclusive facilities to the members of bjb Precious. t 3FOPWBUF TPNF PG UIF bjb Precious outlets as a form of standardization in providing comfort to members of bjb Precious, thus existing and potential customers feel comfortable and privileged, and do not feel like being in a banking hall. • Organize Customer Gathering for Wealth Management products and other exclusive programs for both existing and potential customers of bank bjb. 134 bank bjb Laporan Tahunan 2014 LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO bjb PRECIOUS 135 bank bjb Annual Report 2014 4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data BJB PRECIOUS 136 bank bjb Laporan Tahunan 2014 LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO KORPORASI KOMERSIAL CORPORATE COMMERCIAL 137 bank bjb Annual Report 2014 4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data Unit usaha bank bjb di bidang korporasi dan komersial sangat bergantung pada kondisi perekonomian secara makro dan perkembangan dunia usaha. Pada tahun 2014, kondisi perekonomian di dalam negeri sedang NFOHBMBNJQFSMBNCBUBO EJBOUBSBOZBEJJOEJLBTJLBOEFOHBO QFSUVNCVIBO FLPOPNJ ZBOH IBOZB TFCFTBS MFCJI SFOEBIEJCBOEJOHLBOUBIVOTFCFMVNOZBZBOH Kondisi dunia usaha juga tidak sedang bergairah, mengingat UBIVO CFSMBOHTVOH QFSJTUJXB QPMJUJL CFTBS ZBJUV 1FNJMV -FHJTMBUJG EBO 1FNJMV 1SFTJEFO VOJB VTBIB CBOZBL ZBOH NFMBLVLBO BLTJ wait and see untuk mengembangkan CJTOJTOZB TBNCJM NFOBOUJ SFODBOB LFCJKBLBO QFNFSJOUBI baru. OEJLBTJ NFMBNCBUOZB LFHJBUBO EVOJB VTBIB UFSMJIBU EBSJ IBTJM4VSWFJ5FOEFOTJJTOJT 45 ZBOHEJMBLVLBOPMFIBOL Indonesia bersama Badan Pusat Statistik BPS. Indeks 5FOEFOTJJTOJTZBOHEBUBOZBCFSBTBMEBSJ45 NFSVQBLBO JOEJLBUPS QFSLFNCBOHBO FLPOPNJ VTBIB UFSLJOJ ZBOH menggambarkan kondisi bisnis dan perekonomian pada triwulan berjalan dan perkiraan pada triwulan mendatang. bank bjb TDPSQPSBUFBOEDPNNFSDJBMCVTJOFTTVOJUTBSFIJHIMZ dependent on the macro-economic condition and business EFWFMPQNFOUO UIFEPNFTUJDFDPOPNZFYQFSJFODFEB TMPXEPXO BNPOHPUIFSTJOEJDBUFECZUIFFDPOPNJDHSPXUI PG MPXFS UIBO UIF QSFWJPVT ZFBS XIJDI BNPVOUFE UP 5.78. The business condition was also not enthusiastic, given the QPMJUJDBMFWFOUTUIBUUPPLQMBDFJO OBNFMZUIFMFHJTMBUJWF FMFDUJPOBOEUIFQSFTJEFOUJBMFMFDUJPO.BOZCVTJOFTTQMBZFST took the action to wait and see in terms of business expansion, OBNFMZXBJUJOHGPSUIFOFXHPWFSONFOUTQPMJDZQMBO Indications of slowdown in the business activities were shown UISPVHI UIF SFTVMUT GSPN UIF VTJOFTT 5FOEFODZ 4VSWFZ 45 DPOEVDUFECZBOLOEPOFTJBBOEUIFFOUSBMVSFBV PG 4UBUJTUJDT 14 5IF VTJOFTT 5FOEFODZ OEFY JO XIJDI the data are derived from STB, is an indicator of the current economic development that describes the business and economic conditions in the current quarter and forecast in the upcoming quarter. 138 bank bjb Laporan Tahunan 2014 LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO Pada Triwulan 1-2014, Indeks Tendensi Bisnis ITB sebesar ,POEJTJ JOJ NFOVKVLBO CBIXB UJOHLBU PQUJNJTNF pelaku bisnis lebih rendah jika dibandingkan dengan Triwulan 7ZBOHNFNJMJLJOJMBJ5TFCFTBS Kondisi serupa berlanjut hingga akhir tahun. ITB Triwulan IV- 2014 mencapai 104,7, lebih rendah dibandingkan triwulan TFCFMVNOZB ZBOH BM JOJ NFOBOEBLBO CBIXB dunia usaha masih pesimistis dalam mengembangkan CJTOJTOZB LBSFOB LPOEJTJ QFSFLPOPNJBO EJBOHHBQ LVSBOH mendukung. 4JUVBTJ UFSTFCVU CFSQFOHBSVI QBEB LJOFSKB QFOZBMVSBO kredit perbankan secara umum. Data Bank Indonesia NFOHVOHLBQLBO IJOHHB FTFNCFS UPUBM LSFEJU ZBOH disalurkan bank umum terhadap pihak ketiga sebesar 3Q USJMJVO BUBV OBJL EJCBOEJOHLBO QFSJPEF ZBOH TBNB UBIVO TFCFMVNOZB 1BEBIBM QBEB UBIVO QFSUVNCVIBOOZB NFODBQBJ EJCBOEJOHLBO UBIVO 2012. STRATEGI ,POEJTJ FLTUFSOBM ZBOH CFSMBOHTVOH CBJL EBSJ TJTJ FLPOPNJ makro maupun kegiatan dunia usaha, tentu di luar kontrol bank bjb. Bagi Perusahaan, tantangan tersebut harus disikapi EFOHBOCFSBHBNTUSBUFHJBHBSLFHJBUBOVTBIB LIVTVTOZBEJ bidang komersial dan korporasi tetap berjalan dengan baik. QBMBHJ EBSJ TJTJ JOUFSOBM UBOUBOHBO ZBOH IBSVT EJIBEBQJ JWJTJ,PSQPSBTJEBO,PNFSTJBMBEBMBISBTJPBOUBSBQFOZBMVSBO pinjaman dan Dana Pihak Ketiga atau loan to deposit ratio -3 ZBOH ZBOH MFCJI EBSJ ,POEJTJ JOJ NFNCVBU SVBOHHFSBLQFOZBMVSBOLSFEJUNFOKBEJUFSCBUBT BMBNLPOEJTJTFQFSUJJUV TUSBUFHJZBOHEJKBMBOLBO1FSVTBIBBO QBEBUBIVOEJBOUBSBOZB

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