Mempertahankan Momentum Pertumbuhan Kredit Berkualitas Quality Growth

annual report 2016 235 Growing Together with new expanding opportunities acquisition to new companies including multifinance, insurance, securities companies, and private BPR F. Strengthening of Bank Capital for Institutional Resilience and Improving the Competition Through Business Expansion 1. Decline in Dividend Payout Ratio 2. Issuing Subordinated Bond 3. To conduct capital addition trough Preemptive Rights HMETD or Capital Increase Without Preemptive Right PMT HMETD

G. Strengthening of the Organization Structure With Support of Professional Human Resources

1. To push to process of decision making which is more efficient and effective through the transfer of authority in the region gradually by maintaining supervisory function 2. The improvement of the organization structure directed toward the strengthening of business supporting function by remain taking into account the prudent principle 3. Optimization of the functions of Head Office, Regional Offices, and Branch Offices through distributing roles and responsibilities which are more effective and efficient. 4. To improve the function of change management office in providing innovative and responsive input in order to ensure the realization of business plan through the monitoring of work program

5. The implementation of bjb’s culture through the initiation of bjb’s transformation

6. To strengthen the implementation of corporate culture “GO SPIRIT” as the corporate value of every person of bank bjb 7. To develop balance scorecard as the strategic management system in order to accelerate the achievement of bank bjb’s vision 8. The implementation of Individual Score Card is seen as the employees’ effort to perform their duties optimally, to improve loyalty and to direct the competition of performance toward the direction of open, positive, and progressive climate

9. To shape every person of bank bjb to become reliable and

knowledgeable bankers through business alignment and the strengthening of learning center function with bjb University as the strategic business partner 10. To continuously update and upgrade the employees’ competence needs in line with the business development perusahaan baru diantaranya perusahaan multifinance, asuransi, sekuritas dan BPR swasta

F. Penguatan Permodalan Bank Untuk Ketahanan Kelembagaan dan Meningkatkan Daya Saing Melalui

Ekspansi Bisnis 1. Penurunan Dividen Payout Ratio 2. Penerbitan Obligasi Sub Ordinasi 3. Melakukan penambahan modal melalui Hak Memesan Efek Terlebih Dahulu HMETD ataupun Penambahan Modal Tanpa Hak Memesan Efek Terlebih Dahulu PMT HMETD

G. Penguatan Struktur Organisasi dengan Dukungan SDM Yang Profesional

1. Mendorong proses pengambilan keputusan yang lebih efisien dan efektif melalui pendelegasian kewenangan ke wilayah secara bertahap dengan tetap menjaga fungsi pengawasan 2. Penyempurnaan struktur organisasi yang diarahkan kepada penguatan fungsi–fungsi penunjang bisnis dengan tetap memperhatikan prinsip kehati-hatian 3. Optimalisasi fungsi Kantor Pusat, Kantor Wilayah, dan Kantor Cabang melalui pembagian peran dan tanggung jawab yang lebih efektif dan efisien. 4. Mendorong fungsi change management office dalam memberikan input yang inovatif dan responsif untuk memastikan terlaksananya business plan melalui pemantauan program kerja

5. Implementasi bjb culture sebagai inisiasi transformasi bjb

6. Mendorong penguatan implementasi budaya perusahaan “GO SPIRIT” sebagai corporate value insan bank bjb 7. Mengembangkan balance scorecard sebagai sistem manajemen strategi guna percepatan pencapaian visi bank bjb 8. Penerapan Individual Score Card sebagai upaya pegawai agar menjalankan tugasnya secara optimal, meningkatkan loyalitas dan mengarahkan persaingan kinerja ke arah iklim terbuka, positif serta progresif

9. Membentuk insan bank bjb menjadi knowledge

bankers yang handal melalui penyelarasan bisnis serta penguatan fungsi learning center melalui bjb University sebagai strategic business partner 10. Melakukan update dan upgrade kebutuhan kompetensi pegawai secara berkesinambungan sesuai dengan perkembangan bisnis TINJAUAN OPERASIONAL oPeRaTional RevieW