bjb pr ecious Tanger ang

123 bank bjb Lapor an Tahunan 20 15 Annual Repor t St ock Obligat ion Highlight s Management Discussion Analysis Good Cor por at e Gover nance Cor por at e Social Responsibilit y Consolidat ed Financial St at ement s Cor por at e Dat a melakukan penyesuaian kenyamanan r uangan dalam melakukan t r ansaksi per bankan di bank bjb maupun di out let bjb pr ecious. Tant angan yang dihadapi bjb Pr ecious r elat if sama dengan segmen usaha lainnya, yat u f akt or ekst er nal t er kait dengan kondisi per ekonomian yang sedang melamban. Hal ini mempengar uhi kegiat an usaha par a nasabah, sehingga pada akhir nya ikut mengimbas pada daya konsumsi. Dalam sit uasi yang penuh t ant angan it u, bank bjb t elah mer ealisasikan sejumlah st r at egi unt uk mengembangkan kiner ja usaha bjb Pr ecious, yang pada akhir nya member ikan hasil yang posit if . St r at egi dimaksud, ant ar a lain: 1. Mengadakan pr ogr am-pr ogr am menar ik unt uk mendor ong peningkat an jumlah member bjb Pr ecious. 2. Mengadakan gat her ing baik yang ber sif at akuisisi maupun ber sif at at ensi unt uk meningkat kan loyalit as member eksist ing bjb Pr ecious. 3. Menambah ker ja sama dengan pihak ket iga unt uk meningkat kan pr ivilege kepada member bjb Pr ecious. 4. Meningkat kan kualit as layanan dengan membenahi dan melakukan st andar isasi out let bjb Pr ecious. 5. Menggali pot ensi dana di beber apa wilayah t er t ent u, yang belum t er dapat out let bjb Pr ecious dengan penempat an PIC Per son In Char ge mar ket ing bjb Pr ecious. t he indoor comf or t conduct banking t r ansact ions at t he bank or at t he out let bjb bjb pr ecious. Pr ecious bjb challenges f aced r elat ively similar t o ot her business segment s, yat u ext er nal f act or s associat ed wit h economic condit ions slowed. This af f ect s t he business act ivit ies of it s cust omer s, which in t ur n induce par t icipat e in power consumpt ion. In t his challenging envir onment , t he bank bjb has r ealized a number of st r at egies t o develop business per f or mance bjb Pr ecious, which in t ur n gives a posit ive r esult . The st r at egy is, among ot her t hings: 1. Convene int er est ing pr ogr ams t o encour age an incr ease in t he number of member s bjb Pr ecious. 2. Hold a gat her ing bot h acquisit ions and at t ent ion is t o incr ease t he loyalt y of exist ing member s bjb Pr ecious. 3. Incr ease cooper at ion wit h t hir d par t ies t o impr ove t he pr ivilege t o member s bjb Pr ecious. 4. Impr oving t he qualit y of ser vices t o impr ove and st andar dize t he out let bjb Pr ecious. 5. The pur suit of pot ent ial f unding in cer t ain ar eas, which have not f ound Pr ecious bjb out let wit h t he placement of PIC Per son In Char ge mar ket ing bjb Pr ecious. Analisa Pembahasan at as Kiner ja Per ser oan Management Discussion Analysis on Company Per f or mance 124 bank bjb Lapor an Tahunan 20 15 Annual Repor t 6. Melakukan peningkat an SDM bjb Pr ecious khususnya dalam hal penambahan kuant it as ser t a peningkat an kualit as SDM bjb Pr ecious. 7. Beker jasama dengan pihak ket iga unt uk member ikan layanan dan f asilit as yang t er baik unt uk nasabah. Kinerja bjb Precious 20 15 Sebagai layanan pr ima, nasabah bjb pr ecious ber hak mendapat kan layanan t er baik dan eksklusif dengan ber bagai:

1. Kemudahan bjb pr ecious sangat memahami kesibukan dan

ber har ganya wakt u nasabah. Unt uk it u, bjb pr ecious menyediakan ber bagai kemudahan unt uk anda dalam melaksanakan t r ansaksi per bankan, di ant ar anya: • Pelayanan t r ansaksi per bankan secar a per sonal dari bjb pr ecious. • Save deposit box. • Ser t a ber agam kemudahan lainnya.

2. Keramahan

Ker amahan dan ket ulusan adalah sikap ut ama dalam melayani nasabah sebagai member bjb pr ecious. bjb pr ecious siap membant u menangani segala ur usan per bankan anda secar a pr of esional.

3. Kenyamanan

Demi menjaga kenyamanan dan pr ivacy setiap tr ansaksi yang dilakukan, maka set iap nasabah akan dilayani di r uangan yang didesain khusus sebagai komit men unt uk senant iasa member ikan yang t er baik unt uk anda.

4. Keuntungan lainnya

Kar t u member bjb pr ecious dapat digunakan di lebih dar i 1.20 4 ATM bank bjb, 68.377 ATM Ber sama, dan 68.377 PRIMA ATM di selur uh Indonesia. a. Fasilit as pemakaian r uang meeting; b. Air por t lounge, f asilitas r uang tunggu di bandar a, hanya dengan menunjukan kar t u member bjb pr ecious; c. Tr avel Ar r angement ; d. Education Ar r angement ; e. Nasabah t idak per lu ant r i unt uk ber t r ansaksi; f . Customer gather ing; g. Saf e Deposit Box SDB. Unt uk t ahun 20 15, t ot al Dana Pihak Ket iga DPK bjb Pr ecious mencapai 4,0 9 t r iliun, naik sebesar 21,52 dibandingkan t ahun 20 14 yang sebesar Rp3,37 t r iliun. 6. Pr ecious bjb impr ovement of human r esour ces, especially in t er ms of t he addit ion of t he quant it y and impr oving t he qualit y of human r esour ces Pr ecious bjb. 7. In cooper at ion wit h t hir d par t ies t o pr ovide t he best ser vices and f acilit ies t o t he cust omer s. Precious bjb Perf ormance 20 15 As t he excellent ser vice, t he pr ecious bjb cust omer s deser ve t he best and exclusive ser vices wit h a wide r ange of :

1. Ease

bjb ver y pr ecious and valuable t ime t o under st and t he f lur r y of cust omer s. To t hat end, bjb pr ecious pr ovide gr eat er convenience f or you t o car r y out banking t r ansact ions, among t hem: • Ser vices per sonal banking t r ansact ions f r om BJB pr ecious. • Save deposit box. • As well as a var iet y of ot her conveniences.

2. Friendliness

Fr iendliness and sincer it y is t he main at t it ude of ser ving as a member bjb pr ecious. bjb pr ecious r eady t o help handle all your banking af f air s in a pr of essional manner .

3. Convenience

In or der t o maint ain t he comf or t and pr ivacy of ever y t r ansact ion, ever y cust omer will be ser ved in a specially designed r oom as a commit ment t o always pr ovide t he best f or you.

4. Other benef its

bjb pr ecious member car d can be used at mor e t han 1,20 4 bank ATMs bjb, 68 377 ATM Ber sama and PRIMA 68 377 ATMs acr oss Indonesia. a. The use of t he meet ing r oom f acilit ies; b. Air por t lounge, lounge f acilit ies at t he air por t , simply by showing t he car d member bjb pr ecious; c. Tr avel Ar r angement ; d. Educat ion Ar r angement ; e. Cust omer s do not have t o queue t o t r ansact ; f . Cust omer gat her ing; g. Saf e Deposit Box SDB. For 20 15, t ot al t hir d par t y f unds DPK Pr ecious bjb 4.0 9 t r illion, an incr ease of 21.52 compar ed t o 20 14 which amount ed Rp3,37 t r illion. 125 bank bjb Lapor an Tahunan 20 15 Annual Repor t St ock Obligat ion Highlight s Management Discussion Analysis Good Cor por at e Gover nance Cor por at e Social Responsibilit y Consolidat ed Financial St at ement s Cor por at e Dat a Perkembangan DPK bjb Precious Dalam Lima Tahun Terakhir 20 11- 20 15 Rp Jut a DPK development bjb Precious In Five Years 20 11-20 15 Rp Jut a WILAYAH I REGION 20 15 20 14 20 13 20 12 20 11 Bandung 1,568,0 55 1,292,167 1,236,356 1,0 81,398 1,0 74,773 Rasuna Said 377,943 271,744 20 5,745 238,80 7 10 2,40 6 Ser ang 30 3,975 258,142 244,993 299,647 251,573 Cir ebon 30 0 ,678 257,575 210 ,148 187,870 142,550 Tasikmalaya 150 ,641 138,729 145,769 113,755 98,260 Bogor 40 1,855 363,966 275,960 225,0 47 215,728 Bekasi 20 8,220 163,451 159,486 148,894 114,114 Kelapa Gading 320 ,121 229,30 6 30 1,419 356,782 286,669 Tanger ang 282,550 223,183 184,789 121,890 96,861 Semar ang 72,30 1 43,256 40 ,289 45,823 50 ,0 49 Sur abaya 10 5,912 126,163 156,766 197,50 1 169,326 Tot al 4,0 92,252 3,367,682 3,161,721 3,0 17,415 2,60 2,30 9 Dar i sisi jumlah nasabah juga t er us mengalami per t umbuhan dalam lima t ahun t er akhir . Pada t ahun 20 15, t ot al nasabah bjb Pr ecious mencapai 4.772 nasabah, t umbuh 26,65 dibandingkan t ahun 20 14 yang ber jumlah 3.768 nasabah. Perkembangan Nasabah bjb Precious Dalam Lima Tahun Terakhir 20 11-20 15 Customer development bjb Precious In Five Years 20 11-20 15 WILAYAH I REGION 20 15 20 14 20 13 20 12 20 11 Bandung 1,640 1,30 6 1,232 1,0 45 823 Rasuna Said 450 30 9 266 168 115 Ser ang 40 9 348 334 260 180 Cir ebon 354 296 223 161 133 Tasikmalaya 232 185 166 121 85 Bogor 463 40 8 336 20 7 181 Bekasi 257 213 168 131 10 4 Kelapa Gading 275 195 20 8 147 97 Tanger ang 322 260 20 0 127 72 Semar ang 122 81 10 4 89 83 Sur abaya 248 167 192 151 113 Tot al 4,772 3,768 3,429 2,60 7 1,986 Selain penghimpunan dana, Per ser oan juga menjual pr oduk wealt h management kepada nasabah bjb Pr ecious. Per ser oan t elah melakukan ker ja sama dengan sejumlah pihak t er kait dengan pr oduk wealt h management . Beber apa pihak dimaksud dapat dilihat pada t abel di bawah ini: In t er ms of cust omer number s also cont inued t o exper ience gr owt h in t he last f ive year s. In 20 15, a t ot al of 4,772 cust omer s bjb Pr ecious r each cust omer s, gr ow 26.65 compar ed t o 20 14, amount ing t o 3,768 cust omer s. In addit ion t o r aising f unds, t he Company also sells wealt h management pr oduct s t o cust omer s bjb Pr ecious. The Company has been wor king wit h a number of par t ies wit h wealt h management pr oduct s. Some have r ef er r ed t o can be seen in t he t able below: