Table of PT Pegadaian Performance (Productivity) (in IDR million) Description 2023 2022 Growth (Nominal) (%) Asset 82,151,803 73,920,622 9,231,181 12.66% Financing (Outstanding Loan/OSL Gross) 67,573,563 59,052,916 8,520,647 13.43% Operating Profit 4,377,492 3,337,756 1,039,736 31.15% PT Pegadaian Strategy for 2023 Against the backdrop of global and national economic uncertainty, the spirit of economic recovery in the pandemic era, as well as ultra-micro ecosystem synergy, in 202. PT Pegadaian carries the theme “Growing Stronger: Increasing business scale through Integrated Financial and Gold Ecosystem”, so that the next year the company’s direction is to grow exponentially through increasing the integrated financial business scale and as a key player in the foundation of the gold ecosystem in the plan to form Bullion Bank in Indonesia. The focus of the 2023 strategy will be focused on: 1. Rapid Growth as Business Strategy a. Retention (Rollover) The focus of the strategy is to scale up customers to become loyal customers and prevent them from switching to competitors. b. Acquisition (New customer) Strategic focus on acquiring customers through market penetration, market development, product development or diversification. c. Booster (Scale up B2B) Focus on strategies to accelerate business through cross selling programs. Synergy with strategic partners and customer experience. 2. Enabler Business as a supporting strategy for business a. Productivity Accelerator Focus on increasing HR productivity and Information Technology as an accelerator for business growth through process improvement. b. Risk Mitigation Strategic focus on improving the quality of productive assets and as an accelerator for increasing business opportunities through the risk identification process. c. Sustainable Resilience The strategy focuses on prioritizing business sustainability by increasing business, environmental, social and governance resilience. PT Pegadaian Competitive Advantage and Innovation Always prioritizing innovation in order to strengthen competitiveness and provide the best products/services for the community, especially in utilizing technology and changing community behavior. Apart from that, Pegadaian continues to maintain service quality with reliable appraisers supported by various marketing and sales programs, strengthening pawnbased products, optimizing opportunities for gold-based and fiduciary products, strengthening sharia business, as well as optimizing digital leads and synergy with strategic partners. can help companies continue to grow sustainably as a solution for society in overcoming problems without problems. PT Pegadaian Business Prospect and Strategy for 2024 Based on the spirit of growth with ultra-micro holdings, the spirit of transformation, and the spirit of improving Indonesia, in 2024, Pegadaian will carry the theme: Going Beyond: Maximizing Financial Ecosystem and Establishing New Business Capabilities with a strategy that is in line with the grand strategy in the Company’s Long Term Plan 2024-2028 namely G7-STAR: 1. Grow Core Strengthening Pegadaian’s core business in the pawn and micro business lines through the use of data and technology in sales activities, modernizing business processes and facilitating multi-product customer experiences. PT PEGADAIAN PT Pegadaian’s asset performance growth in 2023 reached IDR82.15 trillion or grew yoy by 12.66%. Asset growth is influenced by the largest component, namely outstanding loans which grew 14.43% from 2022, namely from IDR 59.05 trillion to IDR 67.57 trillion in line with the post-pandemic national economic recovery and also the existence of massive marketing and sales programs. In terms of revenue, Pegadaian recorded an increase in operating profit in 2023 of 31.15% from IDR 3.33 trillion in 2022 to IDR 4.38 trillion in 2023. This increase in operating profit was not only supported by increased revenue, but was also offset by savings as reflected in marginal revenue of 11.5% which was greater than the marginal cost of 2.7%, which make PT Pegadaian could record profits with positive growth. PT Bank Rakyat Indonesia (Persero) Tbk. 2023 Annual Report 258
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