Korporasi dan Komersial 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 184 2. Mendor ong per t umbuhan kr edit segmen komer sial di Kant or Cabang selain kr edit KMK Konst r uksi APBN APBD.

F. KPR dan KKB

Khusus unt uk pr oduk kr edit pemilikan r umah, di ant ar a st r at egi pemasar an yang t elah dit et apkan oleh Per ser oan adalah: • Fokus mar ket pada bjb KPR Pr imar y melalui Pengembang ker ja sama dan bjb KPR Secondar y melalui Br oker age House ker ja sama. • Fokus mar ket pada segmen pegawai, dengan r at a- r at a plaf ond kr edit maksimum Rp50 0 jut a. • Melakukan ker ja sama dengan per usahaan- per usahaan pot ensial dalam r angka pr ogr am mar ket ing Recommended Company at au Collect ive Mar ket . Biaya Pemasaran Unt uk mendukung kegiat an pemasar an, Per ser oan t elah mer ealisasikan anggar an pemasar an sebesar Rp10 1.676.220 .528 miliar sepanjang t ahun 20 15. Angka t er sebut mengalami penur unan sebesar 1,44. Sedangkan biaya oper asional pemasar an mengalami kenaikan 45,6 dibandingkan t ahun 20 14. Ber ikut ini biaya pemasar an yang t elah dikeluar kan dalam dua t ahun buku t er akhir : Rp Miliar Rincian 20 15 20 14 Details Biaya Pr omosi 10 1,68 10 3,17 Campaign Cost s Biaya Oper asional Pemasar an 55,93 30 ,40 Oper at ing Cost s Mar ket ing 2. Pr omot e commer cial segment loan gr owt h in Br anches aside f r om KMK Loans f or APBN APBD f unded Const r uct ion.

F. Housing Loans KPR and Auto Loans KKB

The mar ket ing st r at egy specially designed f or t he Bank’s housing loan pr oduct s ar e: • Focus on bjb’s Pr imar y Housing Loan mar ket by developing joint ef f or t s wit h bjb’s Secondar y Housing Loans t hr ough cooper at ion wit h Br oker age Houses. • Focus on employee mar ket segment , wit h aver age maximum cr edit limit of Rp50 0 million. • Cooper at e wit h pot ent ial companies wit hin t he cont ext of t he Recommended Company or Collect ive Mar ket mar ket ing pr ogr am. Marketing Expenses To suppor t mar ket ing act ivit ies, t he Bank has ut ilized a mar ket ing budget amount ing t o Rp10 1,676,220 ,528 billion t hr oughout 20 15. This amount r epr esent s a 1.44 incr ease. While as mar ket ing oper at ing expenses incr eased 45.6 compar ed t o 20 14. The f ollowing det ails mar ket ing expenses incur r ed over t he last t wo year s: Rp Billion