SANF tidak melakukan penambahan jaringan pemasaran di tahun 2014, tetap mengandalkan 12 jaringan kantor pemasaran di lima wilayah operasional di seluruh Indonesia yang telah ada. Guna meningkatkan jumlah penjualan alat berat dan meningkatkan jumlah pembiayaannya, SANF menjalin kerjasama dengan PT United Tractors Tbk (UT) dengan mengadakan joint program penjualan dengan menawarkan bunga yang menarik bagi pelanggan. Respon pasar cukup baik, sehingga pangsa pasar alat berat yang dibiayai SANF naik dari sekitar 30% menjadi 47% terhadap total volume penjualan alat berat UT secara kredit selama tahun 2014.
Komatsu astra Finance
KAF melayani pelanggan, khususnya perusahaan sektor pertambangan, dari Kantor Pusat di Jakarta. Layanan yang ditawarkan oleh KAF adalah financial lease sebagai produk utama dan pembiayaan suku cadang sebagai layanan pelengkap yang tersedia bagi pelanggan produk Komatsu yang dijual oleh PT United Tractors Tbk (UT). KAF bekerja sama dengan UT dalam menawarkan rangkaian program untuk mendukung penjualan, diantaranya program trade in, program operating lease dan spare part financing.
Lebih dari 90% portofolio nasabah KAF bergerak di industri pertambangan batubara.
FIFGroup strives to refine operational efficiency by making use of technology advancement in mobile applications. It is also growing its business in sharia financing and exploring new business potential for micro enterprises. In addition, FIFGroup improves its business process, aiming to increase operational effectiveness and the Company’s productivity.
The various operational and marketing strategies have allowed FIFGroup to maintain its leadership in Honda new-motorcycle financing in Indonesia, with a market share of 47%.
heavy equipment Financing
surya artha nusantara Finance
In 2014, SANF maintained the scope of its marketing network by relying on its existing 12 marketing offices located in five operational regions in Indonesia.
To boost sales of heavy equipment and enhance the value of financing, SANF engaged PT United Tractors (UT) in a partnership in a joint sales program, offering a lower interest rate. The market’s response was fairly good. In 2014, SANF was able to increase its heavy equipment market share from approximately 30% to 47% of the total volume of UT’s heavy equipment sold under the financing scheme.
Komatsu astra Finance
In providing services to its customers, especially companies in the mining sector, KAF operates mainly from its head office in Jakarta. KAF’s primary product is financial lease, with spare- parts financing as a complementary service for buyers of Komatsu products distributed by PT United Tractors Tbk (UT). KAF and UT collaborate in offering a number of programs to boost sales, among others trade-in, operating lease and spare-part financing programs.
Over 90% of KAF’s customer portfolio consists of businesses in the coal mining industry.
Marketing
Pemasaran
Perbankan
Saat ini nasabah PermataBank dapat menikmati kemudahan dan kenyamanan transaksi perbankan melalui 330 kantor cabang, terdiri dari 314 cabang konvensional dan 16 cabang syariah, 283 kantor layanan syariah, 22 cabang bergerak (mobile branch), 3 payment point dan 1.005 ATM, maupun dengan fasilitas e-channel yang paling mutakhir, termasuk fasilitas mobile banking dan internet banking. PermataBank melayani sekitar 2,1 juta nasabah perbankan di 63 kota di seluruh Indonesia.
Sebagai bagian dari grup usaha Astra yang memiliki peran strategis dalam mendukung pengembangan usaha, PermataBank menjalin kerjasama langsung dengan perusahaan- perusahaan dalam grup Astra dalam hal pembiayaan, penghimpunan dana maupun layanan-layanan transaksi perbankan lainnya. Dalam rangka mendukung pertumbuhan usaha bank maupun Grup Astra, PermataBank mengembangkan berbagai inovasi produk jasa perbankan dan meningkatkan kualitas layanan. Beberapa dari bentuk inovasi tersebut meliputi penawaran produk tabungan berbasiskan proteksi untuk nasabah ACC, produk-produk
Banking
Today, PermataBank customers can enjoy easy and convenient transactions via 330 branch offices comprised of 314 conventional offices and 16 sharia branch offices; 283 sharia service offices; 22 mobile branches; 3 payment points; and 1,005 ATM units. Customers can also access the e-channel facility enabled by sophisticated technology systems, including mobile and Internet banking. PermataBank serves around 2.1 million customers with a presence in 63 cities across Indonesia.
As part of Astra Group assuming a strategic role to support business development, PermataBank is the direct counterpart of companies in Astra Group and provides support in financing, funding and other banking transactions.
To drive business growth for the bank and Astra Group, PermataBank has developed a number of innovative banking products and services and continuously increases service quality, such as programs for insurance-based savings products for ACC customers, employee benefits products for Astra employees, Permata Quick Cash (a
layanan employee benefit untuk karyawan Astra, Permata Quick Cash (produk pembiayaan untuk pembeli), layanan e-commerce dengan PermataBank sebagai payment gateway dan lain-lain.
Pada tahun 2014 di tengah kondisi perekonomian global yang kurang kondusif, PermataBank tetap mencatat pertumbuhan yang sehat dalam aset, kredit dan dana pihak ketiga, mencerminkan kemampuan menjaga pertumbuhan yang solid didukung dengan prinsip kehati-hatian (prudent banking principles), sehingga berhasil menduduki peringkat ke-tujuh bank terbesar di Indonesia berdasarkan total aset (sumber: Bank Indonesia), dengan pangsa aset bank sekitar 3% total aset bank di Indonesia.
asuransi
Untuk mengantisipasi persaingan di industri dan mempertahankan leadership di pasar industri asuransi umum, Asuransi Astra terus mengedepankan service excellent melalui berbagai inisiatif inovasi layanan dan kekuatan merek sebagai diferensiasi perusahaan. Asuransi Astra konsisten mewujudkan value Asuransi Astra, yaitu customer first, layanan yang simple, reliable dan memorable sebagai pembeda dengan pelaku lainnya, diantaranya dengan inovasi layanan yang terbaru yaitu Garda Center yang berada di pusat perbelanjaan untuk kemudahan klaim, pengembangan Garda Siaga Emergency Roadside Assistance dengan teknologi terbaru dan Garda Siaga Emergency Medical Assistance yang didukung paramedis untuk kondisi darurat.
Asuransi Astra berupaya membangun budaya layanan di seluruh jajaran karyawan, baik yang bertugas di front office maupun back office,
sebagai wujud tekad memberikan service excellence sesuai dengan kebutuhan pelanggan.
financing product for buyers), e-commerce service with PermataBank as the payment gateway and many others.
In spite of the unfavorable global economic condition in 2014, PermataBank grew robustly in terms of assets, credit and third-party funds. These indicated the ability to maintain solid growth based on prudent banking principles. By assets, PermataBank is now the seventh-largest bank in Indonesia (source: Bank Indonesia) and accounts for 3% of total national banking assets.
Insurance
In anticipation of industry competition, and to maintain leadership in the general industry market, Asuransi Astra maintains service excellence through service innovation initiatives and through leading brands that distinguish the Company. Consistently, Asuransi Astra delivers its values of “customer first” with simple, reliable and memorable services that have distinguished Asuransi Astra from the other industry players. This was manifested through new innovation services, which include Garda Center located inside the shopping mall for easy claims, the development of Garda Siaga Emergency Roadside Assistance with the latest technology, and Garda Siaga Emergency Medial Assistance supported by paramedics for emergencies.
Asuransi Astra promotes a service culture among employees across its organization, among those assigned both to the front office and the back office, evidencing its commitment to service excellence and meeting customers’ needs.
Asuransi Astra senantiasa bersinergi dengan jaringan bisnis Grup Astra lainnya. Sinergi ini tentunya akan membuat layanan yang lebih baik lagi kepada pelanggan Astra karena adanya kemudahan dan kenyamanan pelanggan dengan jangkauan layanan yang menyeluruh serta fleksibiltas pilihan yang terbaik bagi pelanggan. Asuransi Astra melayani pelanggan melalui 27 kantor cabang serta 32 unit layanan dan Garda Center yang hadir di wilayah Jakarta, Depok, Tangerang, Bekasi, Medan, Solo dan Surabaya.
Asuransi Astra is consistently in synergy with other business units within Astra Group. This synergy generates even better services for Astra’s customers by enabling service convenience through extensive network and flexible, all- encompassing services for customers. Asuransi Astra serves its customers through 27 branch offices, and 32 service points and Garda Centers in Jakarta, Depok, Tangerang, Bekasi, Medan, Surakarta and Surabaya.
Marketing
Pemasaran