Promosi Promotion bjb Kredit Guna Bhakti Pola Channeling

125 bank bjb Annual Report 2014 4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data EFOHBO LFNBNQVBO NFOBXBSLBO TVLV CVOHB ZBOH LPNQFUJUJG TFQBOKBOHUJEBLNFMBOHHBSBUVSBOZBOHTVEBI ditetapkan oleh regulator. Untuk itu, pada tahun 2015 bank bjb akan melakukan sejumlah hal di bidang produk EBOTVLVCVOHBJOJ ZBOHEJBOUBSBOZBBEBMBI • Melakukan review kebijakan Kredit Konsumer. • Pemberlakuan struktur kredit khusus . • Melakukan review tingkat suku bunga khusus untuk daerah di luar provinsi Jawa Barat dan Provinsi Banten ZBJUV MFCJISFOEBIEBSJ1TFUFNQBU

B. Promosi

Meningkatkan awareness publik terhadap produk QFNCJBZBBOEJTFHNFOLPOTVNTJBLBOEJMBLVLBONFMBMVJ CFSBHBNTBMVSBOLPNVOJLBTJBHBSEBZBKBOHLBVQSPEVL kredit konsumer bank bjb semakin luas. Beberapa strategi ZBOHUFMBIEJTJBQLBOEJCJEBOHQSPNPTJ EJBOUBSBOZB 1FMBLTBOBBO QSPNPTJ QFNBTBSBO ZBOH MFCJI FGFLUJG dan berkesinambungan seperti pembuatan marketing tools untuk Kredit Konsumer serta pemasaran melalui media publikasi. JMBLTBOBLBOOZB QSPHSBN reward Member Get Member ZBOH EJCFSJLBO LIVTVT CBHJ EFCJUVS bjb KGB bjb Kredit Pra Purna Bhakti dan debitur bjb ,SFEJU 1VSOB IBLUJ ZBOH CFSIBTJM NFNCBXB SFLBO BUBV LPMFHBOZB NFOKBEJ EFCJUVS CBSV EBO EFCJUVS mengulang bank bjb. - Pelaksanaan program Consumer Loan Loyalty 1SPHSBN TBMBI TBUVOZB EFOHBO QFNCFSJBO voucher LFQBEBEFCJUVSCBSVEBOEFCJUVSZBOHNFMBLVLBO top up. - Gathering kepada Debitur sebagai bentuk promosi below the line, disesuaikan dengan kultural daerah dan minat para debitur 1SPHSBNBEJBI-BOHTVOHCBHJEFCJUVSZBOHCFSIBTJM NFNCBXBSFLBOBUBVLPMFHBOZBNFOKBEJEFCJUVSCBSV bank bjb. C. Layanan .FNCFSJLBO MBZBOBO UFSCBJL CBHJ OBTBCBI LIVTVTOZB pada segmen kredit konsumer sudah menjadi komitmen bank bjb 4FMBJO JUV QFOJOHLBUBO LVBMJUBT MBZBOBO KVHB NFOKBEJCBHJBOEBSJTUSBUFHJNFOHIBEBQJQFSTBJOHBOZBOH TFNBLJOLFUBUFCFSBQBJOJTJBUJGZBOHBLBOEJKBMBOLBO EJ BOUBSBOZB competitive interest rates, provided that the interest rates EPOPUWJPMBUFUIFSVMFTTFUCZUIFSFHVMBUPS5PUIBUFOE in 2015 bank bjb will perform a number of initiatives in the mFMEPGQSPEVDUTBOEJOUFSFTUSBUFT XIJDIJODMVEF t 3FWJFXUIFPOTVNFSSFEJU1PMJDZ t QQMZTQFDJBMDSFEJUTUSVDUVSF t 3FWJFXTQFDJmDJOUFSFTUSBUFGPSUIFBSFBPVUTJEFUIF QSPWJODFPG8FTU+BWBBOEBOUFOOBNFMZMPXFS than the local BPD.

B. Promotion

ODSFBTJOHQVCMJDBXBSFOFTTPGUIFmOBODJOHQSPEVDUTJO UIFDPOTVNFSTFHNFOUXJMMCFQFSGPSNFEUISPVHIBWBSJFUZ of communication channels so that the Bank’s consumer DSFEJUQSPEVDUTXJMMCFJODSFBTJOHMZXJEFTQSFBE4FWFSBM TUSBUFHJFTQSFQBSFEJOUIFmFMEPGQSPNPUJPOJODMVEF - Implement a more effective and sustainable marketing campaign such as the creation of marketing tools for Consumer Credit and marketing through publication media. - Implement rewards program Member Get Member QSPWJEFETQFDJmDBMMZGPSUIFEFCUPSTPG bjb KGB bjb Kredit Pra Purna Bhakti and bjb Kredit Purna Bhakti who manage to invite friends or colleagues to become new debtors and the repeating debtor of bank bjb. NQMFNFOU UIF POTVNFS -PBO -PZBMUZ 1SPHSBN CZ giving vouchers to new debtor sand the debtors performing top up. - Gathering with the debtors as a form of promotion below the line, adapted to local culture and interests of the debtor 5IFJSFDU3FXBSE1SPHSBNGPSEFCUPSTXIPNBOBHF to invite friends or colleagues to become new debtors of bank bjb.

C. Services