Pemasaran Langsung Direct Marketing

• Mengurangi porsi deposan inti dengan memperbanyak porsi deposan ritel agar portofolio DPK tidak hanya dominasi oleh deposan inti; • Melakukan aktivitas cross selling di setiap cabang kepada debitur korporasikomersial dan deposan korporasi untuk menjual produk Deposito dan VIP Safe kepada karyawan; • Mendorong cabang untuk melakukan aktivitas penjualan yang lebih agresif dengan cara referral, cross selling dan portfolio deepening; • Mengaktivasikan nasabah yang sudah dormant ataupun zero balance dengan memberikan informasi tingkat suku bunga deposito yang terbaru, itur produk VIP Safe, dan cross selling kepada produk wealth management; • Mengadakan program OTO untuk setiap kantor cabang pembantu minimal satu kali dalam satu bulan; • Meningkatkan proitabilitas Bank melalui cross selling penjualan produk bancassurancewealth management.

2. strategi Pembiayaan Kredit

Strategi pembiayaan kredit Bank di tahun 2016 Bank akan difokuskan kepada kredit segmen UMKM dan Komersial. Uraian strategi pembiayaan tersebut sebagai berikut. a. Menetapkan sasaran atau Target Pasar Berdasarkan Risk Appetite • Mengklasiikasikan jenis usaha perdagangan, industri, dan jasa dari yang menjadi prioritas hingga yang dihindari; • Memberdayakan lebih lagi peran Divisi Bisnis sebagai pemegang kendali strategi dan pencapaian portofolio; • Menjaga pemberian kredit yang prudent berdasarkan standar operasional prosedur SOP dan ketentuan Bank, serta historikal kredit bermasalah lesson learned.

b. Meningkatkan Pertumbuhan Portofolio Kredit secara Konsisten

• Memprioritaskan pertumbuhan kredit UMKM sampai dengan Rp 10 miliar dan komersial sampai dengan Rp25 miliar; • Mendorong pertumbuhan kredit di cabang dengan memantau perkembangan pipeline cold, warm, dan hot secara disiplin; • Memfokuskan pada cabang yang sudah memiliki portofolio kredit cukup besar dan baik, serta potensial untuk dikembangkan.

c. Melakukan Percepatan Proses Pengajuan Kredit agar Dapat Kompetitif

• Memperbaiki isi usulan permohonan kredit meningkatkan kualitas; • Meningkatkan eisiensi sistem pengecekan alur proses pengajuan kredit dan dokumentasinya; • Meningkatkan koordinasi yang lebih efektif dengan bagian support dan taksasi agunan legal dan administrasi kredit; • Reducing the portion of the core depositors by increasing the portion of retail depositors in order for the third party funding portfolio to not be dominated only by core depositors; • Conducting cross selling activity in every branch of the corporatecommercial borrowers and corporate depositors to sell time deposit products and VIP Safe product to employees; • Encouraging branches to conduct more aggressive sales activities by way of referrals, cross selling and expanding the portfolio; • Activating customers who are already dormant or with zero balance by providing the latest information on deposit interest rates, VIP Safe product features, and cross selling to wealth management products; • Holding OTO program for all branch oices at least once a month; • Increasing proitability through cross selling of bancassurancewealth management products.

2. Lending strategy

The Bank’s lending strategy in 2016 will be focused on the SME and commercial loan segments. The description of the lending strategy is as follows.

a. setting Goals or Target Market Based on Risk appetite

• Classifying the types of business trade, industry, and services based on priority; • Further empowering the role of the Business Division to be in control of the strategies and portfolio achievement; • Maintaining prudent lending based on the standard operating procedures SOP and provisions of the Bank, as well as historical non- perofrming loans lessons learned.

b. increasing Loan Portfolio Growth Consistently

• Prioritizing growth in SME loans up to Rp10 billion and commercial loans up to Rp25 billion; • Encouraging the growth of lending in branches by monitoring the development of the pipeline cold, warm and hot in a disciplined manner; • Focusing on branches which have their own loan portfolio that is suiciently large and satisfactory, as well as having potential for development.

c. accelerating Credit application Process in order to be Competitive

• Improving the content of the proposed application for credit improving quality; • Improve the eiciency of the process low checking system of credit application and documentation; • Improving coordination more efective with the support section and assessed reserves legal and administrative credits;