bjb KPPB bjb KGB bjb KPB bjb KAB bjb BTB bjb Channeling Aset Buy Kredit Lainnya 20 15 2,327,0 78 33,60 2,30 3 1,628,389 720 ,571 185,90 6 54,776 169,0 49 1,0 97 20 14 1,145,90 1 30 ,519,810 1,215,795 579,817 121,90 1 70 .11 2,30 6 20 13 1,10 7,90 1 26,431,40 8 929,634 467,279 114,0 45 134,635 5,90 1 20 12 137.86 21,279,758 667,114 392,793 91,562 296,40 3 13,545 20 11 - 17,80 8,70 6 536,654 30 1,126 58,861 459,557 36,497
Rencana dan Strategi 20 16
Mengingat pent ingnya posisi kr edit konsumer , bank bjb sudah menyiapkan r encana dan st r at egi demi menjaga per t umbuhan ber kelanjut an dan ber kualit as. Rencana st r at egi ekspansi kr edit yang akan dilakukan di t ahun 20 16 di ant ar anya adalah sebagai ber ikut :
1. Product dan Pricing
a. Melakukan r eview Fit ur Pr oduk Kr edit Konsumer sesuai dengan kebut uhan pasar , wilayah dan kant or cabang.
b. Review t ingkat suku bunga r eguler
c. Review t ingkat suku bunga khusus unt uk daer ah di luar pr ovinsi Jawa Bar at dan Pr ovinsi Bant en yait u 0 ,25% lebih r endah dar i BPD set empat .
d. Pengembangan aplikasi analisa kr edit konsumer . 2. Services
a. Pengembangan sist em aplikasi Webscor ing & Analisa Kr edit Konsumer .
b. St andar isasi f or mulir aplikasi pengajuan Kr edit Konsumer .
c. Opt imalisasi Ser vice Level Agr eement (SLA) di Kant or Cabang.
3. Selling
a. Pemasar an secar a pr oakt if dan ber kesinambungan. b. Opt imalisasi Pemasar an kepada Pensiunan dan calon
Pensiunan.
c. Aliansi st r at egis yang lebih int ensif dengan inst it usi/ lembaga pengelola dana pensiunan.
d. Membuka peluang pot ensi pasar , salah sat unya melakukan PKS dengan BUMN, Per usahaan Swast a dan inst ansi yang memiliki pot ensi besar . inst ansi lainnya.
e. Opt imalisasi pot ensi debit ur Top Up (menawar kan
Plans and Strategies 20 16
Given t he impor t ance of t he posit ion of consumer cr edit , bank bjb has pr epar ed plans and st r at egies in or der t o maint ain sust ainable gr owt h and qualit y. Cr edit expansion st r at egy plan t o be under t aken in 20 16 which ar e as f ollows:
1. Product and Pricing
a. Conduct a r eview of t he Consumer Cr edit Pr oduct Feat ur es accor dance wit h mar ket needs, r egions and br anches.
b. Review of r egular int er est r at e
c. Review t he int er est r at e on t he ar ea out side t he pr ovince of West Java and Bant en is 0 .25% lower t han t he local BPD.
d. Consumer cr edit analysis applicat ion development . 2. Services
a. Applicat ion syst ems development Webscor ing & Analysis of Consumer Cr edit .
b. St andar disat ion Consumer Cr edit applicat ion f or m submission.
c. Opt imizing t he Ser vice Level Agr eement (SLA) at br anch of f ices.
3. Selling
a. Mar ket ing pr oact ively and cont inuously.
b. Opt imizat ion of Mar ket ing f or Pensioner s and Ret ir ed candidat e.
c. Mor e int ensive st r at egic alliances wit h ot her inst it ut ions/ pension f und management inst it ut ions. d. Opening up t he mar ket pot ent ial, one of t hem did t he
MCC wit h SOE, Pr ivat e Companies and agencies t hat have gr eat pot ent ial. ot her agencies.
e. Opt imizing t he pot ent ial of debt or s Top Up (back of f er s t o bor r ower s who have exper ienced a
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Layanan bjb pr ecious mer upakan layanan eksklusif dan per sonal bagi pr ibadi-pr ibadi ist imewa (nasabah per or angan) yang memiliki simpanan pada bank bjb dalam jumlah t er t ent u. bjb Pr ecious melet akkan pr insip-pr insip dan f alsaf ah “yang sangat ber har ga” sebagai f ondasi dalam mewujudkan t ujuan layanan eksklusif per bankan yang dikhususkan bagi nasabah pr ima melalui peningkat an kr edibilit as dan eksklusif it as yang dimilikinya melalui konsep Ker amahan, Kemudahan, dan Kenyamanan.
Unt uk member ikan pelayanan secar a opt imal kepada par a nasabah bjb pr ecious, maka hingga t ahun 20 15 bjb pr ecious t elah memiliki 11 out let , yang ber lokasi di:
1. bjb pr ecious Bandung 2. bjb pr ecious Rasuna Said 3. bjb pr ecious Ser ang 4. bjb pr ecious Cir ebon 5. bjb pr ecious Tasikmalaya 6. bjb pr ecious Bogor 7. bjb pr ecious Bekasi 8. bjb pr ecious Kelapa Gading 9. bjb pr ecious Tanger ang 10 . bjb pr ecious Semar ang 11. bjb pr ecious Sur abaya
Tantangan dan Strategi 20 15
Tahun 20 15 mer upakan t ahun yang penuh t ant angan bagi bjb pr ecious. Per golakan ekonomi makr o Indonesia dan ket at nya per saingan bisnis sedikit banyak mempengar uhi beber apa layanan bjb pr ecious kepada nasabah loyal Per ser oan. Meskipun demikian, bjb Pr ecious t et ap f okus pada pr insip dan f alsaf ah guna mencapai t ujuan yait u member ikan layanan eksklusif per bankan yang dikhususkan bagi nasabah pr ima melalui peningkat an kr edibilit as dan eksklusif it as yang dimilikinya melalui konsep Ker amahan, Kemudahan, dan Kenyamanan.
Oleh kar enanya, bjb pr ecious t et ap ber upaya unt uk selalu member ikan pelayanan t er baik kepada nasabah pr ima diant ar anya melalui peningkat an kompet ensi pegawai bjb
Ser vice bjb pr ecious an exclusive and per sonalized ser vice f or pr ivileged individuals (individual cust omer s) who have deposit s in banks bjb in a cer t ain amount . Pr ecious bjb put t he pr inciples and t he philosophy of “valuable” as t he f oundat ion f or r ealizing t he goal of banking ser vices exclusively r eser ved f or pr ime cust omer s t hr ough incr eased cr edibilit y and it s exclusivit y t hr ough t he concept of hospit alit y, Ease, and Convenience.
To pr ovide opt imal ser vice t o it s cust omer s bjb pr ecious, so pr ecious bjb 20 15 alr eady has 11 out let s, which ar e locat ed at : 1. bjb pr ecious Bandung
2. bjb pr ecious Rasuna Said 3. bjb pr ecious At t ack 4. bjb pr ecious Cir ebon 5. bjb pr ecious Tasikmalaya 6. bjb pr ecious Bogor 7. bjb pr ecious Bekasi 8. bjb pr ecious Kelapa Gading 9. bjb pr ecious Tanger ang 10 . bjb pr ecious Semar ang 11. bjb pr ecious Sur abaya
Challenges and Strategies in 20 15
20 15 was a year f ull of challenges f or bjb pr ecious. Indonesia macr o economic t ur bulence and business compet it ion a lit t le mor e inf luence some pr ecious bjb ser vices t o loyal cust omer s of t he Company. Nonet heless, bjb Pr ecious r emain f ocused on t he pr inciples and philosophy in or der t o achieve t he goal of pr oviding banking ser vices exclusively r eser ved f or pr ime cust omer s t hr ough incr eased cr edibilit y and it s exclusivit y t hr ough t he concept of hospit alit y, Ease, and Convenience.
Ther ef or e, pr ecious bjb st ill st r ive t o always pr ovide t he best ser vice t o pr ime cust omer s including t hr ough incr eased employee compet ence bjb pr ecious in t er ms of
melakukan penyesuaian kenyamanan r uangan dalam melakukan t r ansaksi per bankan di bank bjb maupun di out let bjb pr ecious.
Tant angan yang dihadapi bjb Pr ecious r elat if sama dengan segmen usaha lainnya, yat u f akt or ekst er nal t er kait dengan kondisi per ekonomian yang sedang melamban. Hal ini mempengar uhi kegiat an usaha par a nasabah, sehingga pada akhir nya ikut mengimbas pada daya konsumsi.
Dalam sit uasi yang penuh t ant angan it u, bank bjb t elah mer ealisasikan sejumlah st r at egi unt uk mengembangkan kiner ja usaha bjb Pr ecious, yang pada akhir nya member ikan hasil yang posit if . St r at egi dimaksud, ant ar a lain:
1. Mengadakan pr ogr am-pr ogr am menar ik unt uk mendor ong peningkat an jumlah member bjb Pr ecious. 2. Mengadakan gat her ing baik yang ber sif at akuisisi
maupun ber sif at at ensi unt uk meningkat kan loyalit as member eksist ing bjb Pr ecious.
3. Menambah ker ja sama dengan pihak ket iga unt uk meningkat kan pr ivilege kepada member bjb Pr ecious. 4. Meningkat kan kualit as layanan dengan membenahi
dan melakukan st andar isasi out let bjb Pr ecious.
5. Menggali pot ensi dana di beber apa wilayah t er t ent u,
t he indoor comf or t conduct banking t r ansact ions at t he bank or at t he out let bjb bjb pr ecious.
Pr ecious bjb challenges f aced r elat ively similar t o ot her business segment s, yat u ext er nal f act or s associat ed wit h economic condit ions slowed. This af f ect s t he business act ivit ies of it s cust omer s, which in t ur n induce par t icipat e in power consumpt ion.
In t his challenging envir onment , t he bank bjb has r ealized a number of st r at egies t o develop business per f or mance bjb Pr ecious, which in t ur n gives a posit ive r esult . The st r at egy is, among ot her t hings:
1. Convene int er est ing pr ogr ams t o encour age an incr ease in t he number of member s bjb Pr ecious.
2. Hold a gat her ing bot h acquisit ions and at t ent ion is t o incr ease t he loyalt y of exist ing member s bjb Pr ecious. 3. Incr ease cooper at ion wit h t hir d par t ies t o impr ove t he
pr ivilege t o member s bjb Pr ecious.
4. Impr oving t he qualit y of ser vices t o impr ove and st andar dize t he out let bjb Pr ecious.
5. The pur suit of pot ent ial f unding in cer t ain ar eas, which have not f ound Pr ecious bjb out let wit h t he placement of
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6. Melakukan peningkat an SDM bjb Pr ecious khususnya dalam hal penambahan kuant it as ser t a peningkat an kualit as SDM bjb Pr ecious.
7. Beker jasama dengan pihak ket iga unt uk member ikan layanan dan f asilit as yang t er baik unt uk nasabah.