sales strategy Jaringan Distribusi

Tabel Produk Pinjaman Berdasarkan PihakJenis nasabah Table of Loan Products by Type of Customer dalam Juta Rp in Rp million Uraian 2015 2014 Pertumbuhan Growth Description 1 2 3 4=2-3 5=2-33 1 Pihak Ketiga 13,084,433 12,403,671 680,763 5.49 Third Party Pihak Berelasi 9,615 26,719 17,105 64.02 Related Party ToTaL 13,094,048 12,430,390 663,658

5.34 ToTaL

Berdasarkan pihakjenis nasabah, kinerja produk pinjaman didominasi oleh pihak ketiga. Kinerja produk pinjaman pihak ketiga mengalami peningkatan sebesar 5,49 atau menjadi Rp13.084,43 miliar dari Rp12.403,67 miliar di 2014. Namun, kinerja produk pinjaman pihak berelasi mengalami penurunan sebesar 64,02 atau menjadi Rp9,62 miliar dari 26,72 miliar di 2014. Penurunan produk pinjaman pihak berelasi disebabkan beberapa debitur melunasi pinjamannya dan beberapa debitur tidak menggunaan fasilitasnya. Tabel Produk Pinjaman Berdasarkan Jenis Table of Loan Products by Type dalam juta Rupiah in Rp million Uraian 2015 2014 Pertumbuhan Growth Description 1 2 3 4=2-3 5=2-33 1 Pinjaman Tetap 7,631,078 7,800,601 169,523 2.17 Fixed Loans Pinjaman Tetap Dengan Angsuran 2,615,929 1,713,609 902,319 52.66 Fixed Loans with Installments Pinjaman Rekening Koran 1,058,895 1,139,861 80,967 7.10 Overdraft Loans Syariah 1,075,681 1,075,424 258 0.02 Sharia Loans Pinjaman Konsumen 544,281 542,381 1,900 0.35 Consumer Loans Pinjaman Serba Guna 167,396 157,441 9,956 6.32 Other Loans Pinjaman Tanpa Agunan 788 1,073 285 26.58 Unsecured Loans ToTaL 13,094,048 12,430,390 663,658

5.34 ToTaL

Berdasarkan jenis, kinerja produk pinjaman didominasi oleh pinjaman tetap. Peningkatan kinerja produk pinjaman berdasarkan jenis khususnya berasal dari pinjaman tetap dengan angsuran yang mengalami peningkatan sebesar 52,66 atau menjadi Rp2.615,93 miliar dari Rp1.713,61 miliar di 2014. Peningkatan kinerja pinjaman tetap juga diikuti dengan peningkatan kinerja pinjaman serba guna, pinjaman konsumen, dan syariah yang masing-masing meningkat sebesar 6,32, 0,35, dan 0,02. Namun, kinerja pinjaman tanpa agunan menurun sebesar 26,58 atau menjadi Rp0,79 miliar dari Rp1,07 miliar di 2014. Demikian pula dengan kinerja pinjaman rekening koran dan pinjaman tetap yang masing-masing menurun sebesar 7,10 dan 2,17. Penurunan kinerja pinjaman tanpa agunan disebabkan adanya pembayaran cicilan atas fasilitas pinjaman yang diberikan, namun tidak ada penambahan debitur yang baru atas pinjaman tersebut. Sedangkan penurunan kinerja pinjaman rekening koran dan pinjaman tetap disebabkan beberapa debitur mengurangi penggunaan fasilitas pinjaman kreditnya. Based on type of customer, loan products were dominated by third party loans. Performance of third party loans increased by 5.49, reaching Rp13,084.43 billion compared with Rp12,403.67 billion in 2014. However, the performance of related party loan products decreased by 64.02, amounting only to Rp9.62 billion, down from Rp26.72 billion in 2014. The decline in related party loan products was due to certain borrowers’ repayment of their loans and other borrowers’ not using the facilities ofered by the Bank. By type, loan products were dominated by ixed loans. Performance by type of loan was speciically improved due to ixed loans with installments, which increased by 52.66 to Rp2,615.93 billion, from Rp1,713.61 billion in 2014. Improved performance in this type of loan was also followed by the improvement in other loans, consumer loans, and sharia loans, which increased by 6.32, 0.35 and 0.02, respectively. On the other hand, the performance of unsecured loans decreased by 26.58 to Rp0.79 billion, from Rp1.07 billion in 2014. Similarly, the performance of overdraft loans and ixed loans respectively decreased by 7.10 and 2.17. The decline in the performance of unsecured loans was due to the repayment of the loan facility granted, without any addition of the loan. Meanwhile, the decline in the performance of overdraft loans and ixed loans was due to some borrowers’ reducing their use of the loan facility.