Transaksi Trade Finance and Services Transaksi Trade Finance and Services

193 bank bjb Annual Report 2014 4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data 6QBZBVOUVLNFOHJNQMFNFOUBTJLBOSFODBOBTUSBUFHJTCJTOJT jangka pendek maupun jangka panjang, bank bjb selalu NFNCFSJLBOQSPEVLEBOKBTBZBOHUFSCBJLTFSUBTFMBMVJSFTQPOTJG terhadap dinamika pasar. bank bjb selalu memberikan solusi ZBOH UFSCBJL VOUVL TFUJBQ LFCVUVIBO OBTBCBI LIVTVTOZB QBEB QSPEVL LSFEJU 4BMBI TBUVOZB QSPEVL , TFCBHBJ TBMBITBUVQSPEVLZBOHEBQBUNFOPQBOHQFSUVNCVIBOLSFEJU bank bjb ZBOHEJNBOBQSPEVL,NFNJMJLJQFSBOBOZBOH TBOHBUQFOUJOH IBMJOJEJLBSFOBLBO • Positioning QSPEVL,ZBOHDVLVQLVBU t 5JOHLBUTVLVCVOHBZBOHLPNQFUJUJG t JCFSMBLVLBOOZBQSPHSBNQSPNPTJZBOHUFQBUTBTBSBO • Pemberian atensi kepada para Debitur • Mengutamakan Personal dan Emotional Touch sebagai LFVOHHVMBOEBSJTJTJQFMBZBOBO Strategi Pemasaran JOHHB UBIVO TFHNFOUBTJ OBTBCBI CBOL bjb masih EJEPNJOBTJPMFIOBTBCBISJUFMBMJUV EJBOUBSBOZBCJTBEJMJIBU EBSJ LPNQPTJTJ QFOHVDVSBO LSFEJU ZBOH NBTJI EJEPNJOBTJ untuk bidang konsumsi, walaupun Perseroan tidak melupakan nasabah korporasi. Untuk mendukung kegiatan bisnis 2014, Perseroan telah mengimplementasikan sejumlah strategi pemasaran. FSEBTBSLBO QSPEVL LFHJBUBO QFNBTBSBO ZBOH TVEBI EJKBMBOLBOEJBOUBSBOZB

A. Transaksi Trade Finance and Services

1. Untuk produk ini, Perseroan memilih strategi pro- BLUJG ZBOH EJ BOUBSBOZB NFMBMVJ gathering dengan nasabah dan calon nasabah potensial. Para QFNBOHLV LFQFOUJOHBO ZBOH EJMJCBULBO NJTBMOZB Badan Koordinasi Penanaman Modal BKPM, Badan Koordinasi Penanaman Modal Daerah BKPMD, serta BTPTJBTJ EBO PSHBOJTBTJ QFOHVTBIB ZBOH NFNJMJLJ orientasi transaksi ekspor-impor dan perdagangan dalam negeri. 2. Termasuk dalam rangkaian pemasaran, Divisi Internasional juga memberikan edukasi kepada para pemangku kepentingan. Antara lain dengan DBSB NFOKBEJ OBSBTVNCFS EJ CFSCBHBJ BDBSB ZBOH melibatkan eksportir dan importir, bekerja sama dengan Dinas Peruindusrian dan Perdagangan Provinsi Jawa Barat, Departemen Perdagangan, NBVQVOLFHJBUBOMBJOOZB Efforts to implement the short and long term strategic business plans, bank bjb BMXBZT QSPWJEFT UIF CFTU QSPEVDUT BOE TFSWJDFTBOEBMXBZTSFTQPOTJWFUPNBSLFUEZOBNJDTCBOL bjb BMXBZTQSPWJEFTUIFCFTUTPMVUJPOGPSFWFSZDVTUPNFSTOFFET QBSUJDVMBSMZJODSFEJUQSPEVDUT0OFPGUIFQSPEVDUTJTUIF, as one of the products that can support the credit growth of bank bjb JOXIJDIUIF,QSPEVDUIBTBWFSZJNQPSUBOUSPMF UIJTJTCFDBVTF • The strong positioning of the KGB product • A competitive interest rates • The implementation of on target promotional programs • Giving attention to the debtors • Prioritizing Personal and Emotional touch as an advantage in the terms of services. Marketing Strategy Until 2014, the bank customer segmentation bjb still EPNJOBUFECZSFUBJMDVTUPNFSTUXBT PGXIPNDBOCFTFFO from the composition of which is still dominated lending to the mFMEPGDPOTVNQUJPO BMUIPVHIUIFPNQBOZIBTOPUGPSHPUUFO its corporate customers. 5P TVQQPSU CVTJOFTT BDUJWJUJFT JO UIF PNQBOZ IBT implemented a number of marketing strategies. Based on the product, the marketing activities that have been JNQMFNFOUFEJODMVEF

A. Transaksi Trade Finance and Services

PS UIJT QSPEVDU UIF PNQBOZ DIPTF B QSP BDUJWF TUSBUFHZ XIJDI BNPOH PUIFST CZ HBUIFSJOH XJUI customers and potential customers. Stakeholders are involved, for example, the Investment Coordinating PBSE ,1. 3FHJPOBM OWFTUNFOU PPSEJOBUJOH PBSE ,1. BT XFMM BT FNQMPZFST BTTPDJBUJPOT and organizations which have an export - import transactions and domestic trade. 2. Included in the series of marketing, International Division also provide education to stakeholders. NPOHUIFXBZ XJUIBHVFTUTQFBLFSBUWBSJPVTFWFOUT involving exporters and importers, in collaboration with the Department of Trade Peruindusrian and West Java Province, Department of Commerce, as well as other activities. 194 bank bjb Laporan Tahunan 2014 LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO

B. Transaksi Remitansi