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
