Treasury products bjb Precious

194 bank bjb Laporan Tahunan 2014 LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO

B. Transaksi Remitansi

1. Mengimplementasikan strategi pemasaran below the line NJTBMOZBTQPOTPSTIJQBSJ6MBOH5BIVO3CFLFSKB TBNBEFOHBO,POTVMBU+FOEFSBM3FQVCMJLOEPOFTJBEJ POH,POH 2. Promosi produk remitansi melalui kerja sama dengan Agent Remittance di Singapura. 3. Bekerja sama dengan Kementerian Tenaga Kerja dan Transmigrasi Indonesia, Disnakertrans Jawa BSBU 15, TFSUBBOLVOJB VOUVLNFMBLVLBO edukasi mengenai produk-produk perbankan, terutama remitansi kepada tenaga kerja Indonesia EBO LFMVBSHBOZB EJ TFKVNMBI EBFSBI ZBOH NFOKBEJ CBTJT5, TFQFSUJFOQBTBS JSFCPO 3BOHLBTCJUVOH BOKBS 5BTJLNBMBZB JCVCVS EBO4VLBCVNJ

C. Dana Pihak Ketiga

1. Promosi produk dana

D. Brand bjb

1. Meningkatkan brand awareness bank bjb di tengah NBTZBSBLBU NFMBMVJLFHJBUBOQSPNPTJ

E. Produk Treasury

1. Kunjungan langsung tenaga penjual ke nasabah dan calon nasabah potensial untuk sosialisasi mengenai transaksi valuta asing dan instrumen lindung nilai hedging Instruments kepada nasabah dan kantor cabang terkait.

F. bjb Precious

1. Melakukan customer gathering untuk lebih NFOJOHLBULBOIVCVOHBOZBOHCBJLEFOHBOOBTBCBI CBJLOBTBCBIZBOHTVEBIBEBNBVQVODBMPOOBTBCBI potensial. .FOZFMFOHHBSBLBO QPMB Member Get Member nasabah bjb Precious. Biaya Pemasaran Sepanjang tahun 2014, Perseroan telah merealisasikan BOHHBSBOQFNBTBSBOTFCFTBS3Q NJMJBSJCBOEJOHLBO UBIVOTFCFMVNOZB CJBZBZBOHEJLFMVBSLBOUFSTFCVUNFOHBMBNJ QFOVSVOBO TFCFTBS 4FEBOHLBO CJBZB PQFSBTJPOBM pemasaran mengalami penurunan 50 dibandingkan tahun 2013.

B. Remittance transactions

1. Implement marketing strategies below the line , for FYBNQMF TQPOTPSTIJQ OOJWFSTBSZ PG OEPOFTJB JO DPPQFSBUJPOXJUIUIFPOTVMBUFFOFSBMPGUIF3FQVCMJD PGOEPOFTJBJOPOH,POH 2. Promotion of remittance products through cooperation XJUI3FNJUUBODFHFOUJO4JOHBQPSF O DPMMBCPSBUJPO XJUI UIF .JOJTUSZ PG .BOQPXFS BOE Transmigration, Indonesia, West Java Manpower, 15, BT XFMM BT UIF 8PSME BOL UP DPOEVDU FEVDBUJPOPOCBOLJOHQSPEVDUT NBJOMZSFNJUUBODFTUP Indonesian workers and their families in a number of areas which are the basis of TKI, such as Denpasar, JSFCPO 3BOHLBTCJUVOH BOKBS 5BTJLNBMBZB Cibubur, and Sukabumi.

C. Dana Pihak Ketiga

5IJSE1BSUZVOET

D. Brand bjb

ODSFBTFCSBOEBXBSFOFTTJOUIFDPNNVOJUZCKCCBOL through promotional activities.

E. Treasury products

7JTJUUIFTBMFTQFSTPOEJSFDUMZUPDVTUPNFSTBOEQPUFOUJBM customers for the socialization of foreign exchange transactions and hedging instruments hedging Instruments to customers and related branches.

F. bjb Precious

1. Perform customer gathering to further enhance good relationships with customers, both existing customers and potential customers. PMEJOH QBUUFSO .FNCFS FU .FNCFS 1SFDJPVT bjb customers . Marketing Cost 5ISPVHIPVU UIF PNQBOZ IBT SFBMJ[FE UIF QSPNPUJPO DPTUT PG 3Q CJMMJPO PNQBSFE UP UIF QSFWJPVT ZFBS DPTUT EFDSFBTFE CZ 8IJMF UIF PQFSBUJPOBM NBSLFUJOH costs decreased 50 compared in 2013. ASPEK PEMASARAN 195 bank bjb Annual Report 2014 4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data FSJLVUJOJCJBZBQFNBTBSBOZBOHUFMBIEJLFMVBSLBOEBMBNEVB UBIVOCVLVUFSBLIJS 3Q.JMJBS 3QJMMJPO Rincian 2013 2014 Details JBZB1SPNPTJ 177,10 103,21 Promotion Cost JBZB0QFSBTJPOBM1FNBTBSBO 22,4 11,1 Operating Marketing Costs 5FSMFQBT EBSJ QSPEVLQSPEVL LSFEJU ZBOH EJCFSJLBO TFKBMBO dengan hal tersebut perusahaan juga menetapkan strategi VOUVL NFMBLVLBO QFOVSVOBO UJOHLBU 1- LIVTVTOZB QBEB ,SFEJU .JLSP EFOHBO EVB MBOHLBI TUSBUFHJ ZBOH EJUFUBQLBO ZBJUV

1. Penyelamatan dan Penyelesaian terhadap Kredit Existing