Fokus Pasar Market Focus

173 bank bjb Annual Report 2014 4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data Jenis Produk TahunYear 2014 PertumbuhanGrowth 2013-24014 Product Type Baki Debet NoA Baki Debet NoA Rp bjb Mortgage Properti Usaha 31 2,141,202,027 4 bjb Enterprises Property Mortgage bjb ,13.PSUHBHF1FHBXBJ 515 bjb Mortgage Mortgage Employees RENCANA 2015 Untuk tahun 2015, bank bjb menargetkan pertumbuhan QFOZBMVSBO EBOB VOUVL ,13 TFCFTBS 8BMBVQVO BTJM 4VSWFJ BSHB 1SPQFSUJ 3FTJEFOTJBM BOL OEPOFTJB NBTJI mengindikasikan terjadi perlambatan pada awal tahun NFOHJOHBU EBNQBL EBSJ LFCJKBLBO ZBOH EJLFMVBSLBO QFNFSJOUBINFOKFMBOHUBIVOCFSBLIJSNBTJINFOZJTBLBO dampak. 4FCBHBJ BOUJTJQBTJ EBO VQBZB NFSFBMJTBTJLBO UBSHFU ZBOH telah ditetapkan, bank bjb UFMBINFOZJBQLBOTFKVNMBIJOJTJBUJG EJBOUBSBOZBBEBMBI

A. Fokus Pasar

Perusahaan akan memiliki fokus pasar market ZBOH NFOKBEJ TBTBSBO QBEB UBIVO BM JOJ EJMBLVLBO NFOHJOHBUNBTJICBOZBLUBOUBOHBOZBOHIBSVTEJIBEBQJ TFQFSUJUFSDFSNJOEBSJIBTJMTVSWFJZBOHUFMBIEJMBLVLBOPMFI Bank Indonesia dan ekspektasi terhadap perekonomian ke depan, walaupun diperkirakan tetap bergerak positif. Karena itulah, terkait dengan fokus pasar ini bank bjb UFMBINFOZJBQLBOTFKVNMBIJOJTJBUJG ZBJUV 6OUVL QFOZBMVSBO EBOB ,13 Primary, Perusahaan akan fokus pada produk dari pengembang Perjanjian ,FSKB4BNB 1,4 ZBOHUFSCVLUJNFNJMJLJLJOFSKBCBJL 6OUVL SVNBI LFEVB BUBV ,13 Secondary, bank bjb bekerja sama dengan agen properti atau house brokerage, sehingga dapat Meminimalkan risiko dan NFOHFmTJFOLBOEBSJTJTJPQFSBTJPOBM 3. Perusahaan juga akan mendorong produk bjb ,13 Pegawai. 2015 PLAN For 2015, the bank bjb is targeting a growth of mortgage funds PG5IFSFTVMUTPGUIF3FTJEFOUJBM1SPQFSUZ1SJDF4VSWFZCZ BOLOEPOFTJBTUJMMJOEJDBUFTBTMPXEPXOJOFBSMZEVF to the government policies released during the end of 2014 which still provide impacts. As the anticipation and effort to realize the targets set, bank bjb IBTTFUVQBOVNCFSPGJOJUJBUJWFT BNPOHPUIFST

A. Market Focus

5IFPNQBOZXJMMTFUNBSLFUGPDVTUPCFUIFUBSHFUJO 5IJT JT QFSGPSNFE TJODF UIFSF BSF TUJMM NBOZ DIBMMFOHFT UP CF GBDFE BT SFnFDUFE JO UIF SFTVMUT PG UIF TVSWFZ DPOEVDUFE CZ BOL OEPOFTJB BOE UIF FYQFDUBUJPOT PG UIFFDPOPNZJOUIFGVUVSF BMUIPVHIFYQFDUFEUPSFNBJO positive. Therefore, associated with this market focus, bank bjb has TFUVQBOVNCFSPGJOJUJBUJWFT OBNFMZ PS UIF EJTUSJCVUJPO PG GVOET GPS ,13 1SJNBSZ UIF PNQBOZXJMMGPDVTPOUIFQSPEVDUTPGUIFEFWFMPQFST with Cooperation Agreement which are proved to have good performance. PSBTFDPOEIPVTFPS4FDPOEBSZNPSUHBHF bank bjb DPPQFSBUFTXJUIQSPQFSUZBHFOUTPSIPVTFCSPLFSBHF UIVTNJOJNJ[JOHSJTLBOEQSPNPUFFGmDJFODZGSPNUIF operational side. 5IFDPNQBOZXJMMBMTPQSPNPUF bjb ,13GPSFNQMPZFFT MORTGAGE FINANCIAL HOUSING 174 bank bjb Laporan Tahunan 2014 LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO .FOHFNCBOHLBO LJOFSKB ,13 Collective Market, ZBJUV QFOZBMVSBO EBOB LSFEJU QSPQFSUJ LIVTVT VOUVL LBSZBXBO EBSJ QFSVTBIBBO ZBOH UFMBI CFLFSKB TBNB dengan bank bjb. 5. Memaksimalkan kerja sama kepemilikan rumah NFMBMVJ QSPHSBN QFNFSJOUBI EJ BOUBSBOZB BTJMJUBT -JLVJEJUBT 1FNCJBZBBO 1FSVNBIBO -11 BEBO 1FOZFMFOHHBSB +BNJOBO 4PTJBM ,FUFOBHBLFSKBBO BPJS, Badan Pertimbangan Tabungan Perumahan 1FHBXBJFHFSJ4JQJM BQFSUBSVN TFSUBZBOHMBJOOZB

B. Brand Image