bjb KPR Media Promosi Kerja Sama Pemasaran Suku Bunga bjb KPR

171 bank bjb Annual Report 2014 4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data MORTGAGE FINANCIAL HOUSING STRATEGI Dalam situasi seperti itu, bank bjb harus mengambil inisiatif TFKVNMBI MBOHLBI TUSBUFHJT 4BMBI TBUVOZB NFMBMVJ VQBZB NFOEPSPOH QSPEVL VOHHVMBO ZBJUV bjb ,13 1SPEVL JOJ UFSVUBNB EJUVKVLBO VOUVL UVKVBO QFNCFMJBO 3VNBI 5BQBL 1SJNBSZ Pilihan terhadap sejumlah langkah strategi ditujukan agar LJOFSKBQSPEVL,13EBO Mortgage CJTBCFSKBMBOTFTVBJZBOH direncanakan. Apalagi, di tengah tantangan cukup serius ZBOHIBSVTEJIBEBQJQBEBCJTOJTQSPQFSUJ ZBOHQBEBBLIJSOZB CFSJNCBTUFSIBEBQQFNCJBZBBOQSPQFSUJZBOHEJSFBMJTBTJLBO oleh perbankan, termasuk bank bjb. 4FKVNMBIJOJTJBUJGTUSBUFHJTZBOHEJBNCJMQBEBUBIVO EJ BOUBSBOZB

1. bjb KPR

1FOZBMVSBO bjb ,13 NFOKBEJ TBMBI TBUV GPLVT VUBNB dalam pertumbuhan portofolio kredit bjb ,13 Mortgage QBEBUBIVO6QBZBJOJEJMBLVLBO TFUJEBLOZBVOUVL NFNQFSUBIBOLBO LJOFSKB 1FSVTBIBBO EJ TFLUPS ,13 dan Mortgage. Selain itu, inisiatif tersebut sekaligus membuktikan bahwa bank bjb mendukung dan NFNCFSJLBO LFNVEBIBO NBTZBSBLBU EBMBN LFQFNJMJLBO properti.

2. Media Promosi

.FNBLTJNBMLBO NFEJB QSPNPTJ ZBOH EJNJMJLJ PMFI CBOL bjb EJ BOUBSBOZB NFMBMVJ Talkshow EJ 3BEJP BTJPOBM Daerah, Iklan di media masa, Iklan Billboard, Media Sosial seperti Twitter infobank bjb, Facebook bankbjb PGmDJBM TFSUBCFSCBHBJFWFOUZBOHEJTFMFOHHBSBLBOPMFICBOL bjb maupun pihak eksternal.

3. Kerja Sama Pemasaran

Terdapat beberapa program marketing dengan pihak pengembang, dimana hal tersebut dapat meningkatkan portofolio bjb ,13 Mortgage terutama produk bjb ,13

4. Suku Bunga

4VLV CVOHB ZBOH EJUBXBSLBO VOUVL QSPEVL bjb ,13 Mortgage masih cukup bersaing dengan pilihan waktu bunga tetap mYFE ZBOHDVLVQWBSJBUJGOJTJBUJGJOJNFOKBEJ QFOUJOH NFOHJOHBUMJLVJEJUBTQFSCBOLBOQBEBVNVNOZB masih ketat pada tahun 2014. STRATEGY In such situation, bank bjb must perform a number of strategic NFBTVSFT BNPOH PUIFST CZ QSPNPUJOH UIF BOLT GFBUVSFE QSPEVDUOBNFMZ bjb ,135IJTQSPEVDUJTQSJNBSJMZJOUFOEFE GPSUIFQVSDIBTFPG1SJNBSZPVTFT The strategic measures were taken in order for the performance PG,13BOE.PSUHBHFQSPEVDUUPCFBTQMBOOFE FTQFDJBMMZJO the middle of the challenges in the real estate business which JO UVSO JNQBDU PO UIF SFBMJ[FE QSPQFSUZ mOBODJOH CZ CBOLT including bank bjb. 5IFTUSBUFHJDJOJUJBUJWFTQFSGPSNFEJOXFSF

1. bjb KPR

The distribution of bjb ,13 CFDBNF POF PG UIF NBJO focuses in the growth of bjb ,13.PSUHBHFMPBOQPSUGPMJP in 2014. The effort was conducted at least to maintain the PNQBOZTQFSGPSNBODFJOPVTF-PBOBOE.PSUHBHFO addition, the initiative proved that bank bjb supported and GBDJMJUBUFEUIFDPNNVOJUZUPPXOQSPQFSUJFT

2. Media Promotion