Dana dan Jasa Laporan Tahunan bank bjb 2015 AR BJB 2015 (web)

Analisa Pembahasan at as Kiner ja Per ser oan Management Discussion Analysis on Company Per f or mance bank bjb Lapor an Tahunan 20 15 Annual Repor t 182 2. Dengan pihak swast a dengan pola business t o business. 3. Pemasar an t abungan melalui pendekat an komunit as communit y mar ket ing.

B. Kredit Konsumer

Bidang usaha kr edit konsumer mer upakan pangsa pasar t er besar dalam bisnis Per ser oan. Kar ena it ulah, Per ser oan senant iasa menyiapkan ber agam pr ogr am pemasar an agar mampu menunjang kiner ja usaha kr edit konsumer secar a ber kesinambungan. Pada t ahun 20 15, pr ogr am yang dijalankan, ant ar a lain: - Pelaksanaan pr omosi pemasar an yang lebih ef ekt if dan ber kesinambungan seper t i pembuat an mar ket ing t ools unt uk Kr edit Konsumer ser t a pemasar an melalui media publikasi. - Dilaksanakannya pr ogr am r ewar d Member Get Member yang diber ikan khusus bagi debit ur bjb KGB bjb Kr edit Pr a Pur na Bhakt i dan debit ur bjb Kr edit Pur na Bhakt i yang ber hasil membawa r ekan at au koleganya menjadi debit ur bar u dan debit ur mengulang bank bjb MGM Hadiah Langsung, MGM Key Per son Debit ur Top Up. - Pelaksanaan pr ogr am Consumer Loan Loyalt y Pr ogr am salah sat unya dengan pember ian voucher kepada debit ur bar u dan debit ur yang melakukan t op up. - Gat her ing kepada Debit ur sebagai bent uk pr omosi below t he line, disesuaikan dengan kult ur al daer ah dan minat par a debit ur . - Pr ogr am Wisat a Religi.

C. bjb pr ecious

Dalam mengelola per t umbuhannya, bank bjb t elah melakukan beber apa kegiat an pemasar an, di ant ar anya sebagai ber ikut : 1. Melakukan cust omer gat her ing unt uk lebih meningkat kan hubungan yang baik dengan nasabah, baik nasabah exist ing maupun pr ospect cust omer . 2. Penyelenggar aan pr ogr am Member Get Member nasabah bjb pr ecious. 2. Wit h t he pr ivat e sect or t hr ough t he business-t o- business model. 3. Mar ket ing of savings t hr ough communit y mar ket ing.

B. Consumer Loans

In t er ms of mar ket shar e, consumer loan is t he lar gest cont r ibut or t o t he Bank’s business. As a r esult , t he Bank const ant ly pr epar es a r ange of mar ket ing pr ogr ams needed t o gener at e a sust ainable consumer loan business per f or mance. The pr ogr ams implement ed in 20 15 includes: - Implement ing a mor e ef f ect ive and sust ainable mar ket ing pr omot ion by f or mulat ing mar ket ing t ools f or Consumer Loans as well as mar ket ing t hr ough publicat ions. - Implement ing a r ewar ds pr ogr am Member Get Member MGM specif ically made f or debt or s of bjb KGB, bjb Pr a Pur na Bhakt i and bjb Pur na Bhakt i Loans t hat successf ully r ef er r ed t heir par t ner s or colleagues t o become new or r et ur ning debt or s of bank bjb MGM Hadiah Langsung Dir ect Pr ize, MGM Key Per son Debt or Top Up. - Implement ing a Consumer Loan Loyalt y Pr ogr am t hat includes voucher s f or new and r ecur r ing debt or s. - Gat her ing f or Debt or s as a f or m of below-t he-line pr omot ion, t hat cor r esponds wit h t he r egion’s cult ur e and debt or ’s t ast es. - Religious Tour ism Pr ogr am.

C. bjb Precious

To manage gr owt h, bank bjb car r ies out var ious mar ket ing act ivit ies, which includes: 1. Implement cust omer gat her ings t o enhance r elat ionships wit h bot h exist ing as well as pr ospect ive cust omer s. 2. Conduct a ‘Member Get Member ’ pr ogr am f or bjb pr ecious cust omer s.