BCG Matrix and Analysis

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PT.Bank Nasional Indonesia is having 6 main products:
1. Individual:
BNI card
BNI Instant
Credit Card
BNI Griya
2. Corporate:
Cash Collateral Credit
Credit Card
Primary Cooperative Credit
3. Syariah:
BNI Hasanah Card
Personal Loan
Commercial Loan
4. Credit Card
5. Investor Relationship
6. CSR


For the Stars the products are:
1. Individual:
a. BNI card
b. BNI Instant
c. Credit Card
d. BNI Griya
The Individual product can be concluded as the stars product because most of the financial activities happen in the daily business run of this company use the individual products such as BNI card, BNI Instant, Credit Card which those products participated in giving high profit and income to the whole company.

2. Corporate:
a. Cash Collateral Credit
b. Credit Card
c. Primary Cooperative Credit
As mentioned in the official website of Bank Nasional Indonesia that its main objective is to help the small-middle business owner in increasing the value of their companies, the BNI product for corporate is working on giving the loan to the small-middle business owner with certain interest. This type of product is able gain high interest in the business doers and also the investors, local and foreign, and trust Bank Nasional Indonesia as their business partner.
3. Credit Card
The use of credit card increases from year to year in Indonesia. Because of that, this type of product is a very promising product which will generate cash-flow and also profit from its objection. Thus later on the supporting article will be explained further how much percentage that the credit card participates in the company as a business product.
The Cow Cash, the products are:
1. BNI Syariah
As mentioned in the website that the BNI Syariah is not much different with the BNI in giving the service and product. For instance, the different product it holds is about the profit share and also the selling and doing business using the Islamic rules. This type of product is concluded as the cash cow product because it’s market grow in a very slow movement but it generates quite much money since Indonesia has a majority of Moslem people whom may consider using the BNI Syariah product at the first hand. Further explanation about this product’s profitability will be explained later on the article below.
The Dog:
There is no such product that can be put in here since the BNI is still a growing company which has few products but most of them are the promising products that will generate some profits along the way.
The Question Mark:
1. CSR
2. Investor Relationship
These two products are put in the question mark because most of the time they don’t generate monetary profit while they need lots of cash in doing so. As the purpose of the products to maintain the public and investors relationship with the company, these two products are considered with high demands but low return. These two products will increase the market share of the company because it builds good image for the company so people will use company’s products.