Purchase or Ownership of Non Residential - bjb Consumer Multipurpose - bjb Consumer Mortgage credit facility to Take Over, is bjb Consumer Mortgage credit facility for

฀Annual฀Report฀•฀ Laporan Tahunan 2012 ฀Annual฀Report฀•฀ bank bjb 96 ฀Annual฀Report฀•฀ ฀Annual฀Report฀•฀ Implementation of New Products In order to enhance the KPR Mortgage portfolio, bank bjb implemented a new packaging of KPR products, namely bjb Consumer Mortgage, bjb Consumer Mortgage and bjb Commercial Mortgage. This is also supported by increased marketing activities in potential areas. Composition of KPR Mortgage portfolio by product Flagship Product In 2012, business development of bjb’s KPR Mortgage was backed by 3 three flagship products that showed excellent growth. bjb KPR is a consumer housing credit facility for the ownership of residential landed house, apartment except the office house and store house, with the residence itself as the collateral, the source of repayment is not derived from the object being financed, which is given by the bank to an individual debtor with a maximum loan amount determined by the value of the collateral. bjb Consumer Mortgage, is a consumer credit facility secured by residential andor non-residential as collateral, the source of repayment is not derived from the object being financed, and granted to individual debtors with a maximum loan amount based on the value of the collateral. This credit facility can be used for customers for:

a. Purchase or Ownership of Non Residential - bjb Consumer

Mortgage credit facility for purchaseownership of non- residential.

b. Multipurpose - bjb Consumer Mortgage credit facility to

meet the financial needs of borrowers with residential and or non-residential as collateral.

c. Take Over, is bjb Consumer Mortgage credit facility for

acquisition credit facility on behalf of borrowers in other similar bank mortgages or other consumer loans with residential andor non-residential house as collateral with a maximum credit limit of outstanding in bank origin or credit limit for new handsets Bank calculations and can be used for other financial needs. Implementasi Produk Baru Demi meningkatkan portofolio KPR Mortgage, bank bjb melakukan implementasi kemasan baru produk bjb KPR, bjb Consumer Mortgage, dan bjb Commercial Mortgage. Hal ini didukung pula dengan peningkatan aktivitas marketing di wilayah-wilayah potensial. Komposisi Portofolio KPR Mortgage berdasarkan Produk No. Produk NOA Portofolio dalam Miliarin Billion Komposisi Composition Product 1. bjb KPR 5.162 1.229,52 71.15 bjb KPR 2 bjb Consumer Mortgage 1.171 488,12 28.25 bjb Consumer Mortgage 3 bjb Commercial Mortgage 9 5,30 0.31 bjb Commercial Mortgage 4 bjb Multigriya 190 5,14 0.30 bjb Multigriya Total 6.532 1.728,09 100 Total Produk Unggulan Di tahun 2012, perkembangan bisnis KPR Mortgage didukung oleh 3 tiga produk unggulan yang pertumbuhannya sangat baik. bjb KPR, adalah Kredit Pemilikan Rumah yang merupakan fasilitas kredit konsumtif untuk kepemilikan rumah tinggal berupa rumah tapak, rumah susun, atau apartemen tidak termasuk rumah kantor dan rumah toko, dengan agunan berupa rumah tinggal, yang sumber pengembaliannya bukan berasal dari obyek yang dibiayai, yang diberikan Bank kepada debitur perorangan dengan jumlah maksimum pinjaman yang ditetapkan berdasarkan nilai agunan. bjb Consumer Mortgage, adalah fasilitas kredit konsumtif dengan agunan rumah tinggal danatau non rumah tinggal, yang sumber pengembaliannya bukan berasal dari objek yang dibiayai, yang diberikan Bank kepada debitur perorangan dengan jumlah maksimum pinjaman yang ditetapkan berdasarkan nilai agunan. Fasilitas kredit ini dapat digunakan nasabah untuk: a. Pembelian atau Pemilikan Non Rumah Tinggal, yaitu fasilitas kredit bjb Consumer Mortgage untuk pembelian kepemilikan non rumah tinggal.

b. Multiguna, yaitu fasilitas kredit bjb Consumer Mortgage