Maintaining Growth Momentum of Quality Credit 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 Laporan Tahunan 2016 236 Semakin Berkembang Bersama peluang Baru yang Membentang

11. Menunjang pertumbuhan bisnis bank bjb melalui

pendidikan dan pelatihan yang berbasis kompetensi dan menjadi strategic partner demi terciptanya sumber daya manusia yang berkualitas 12. Peningkatan tata kelola pendidikan dan pelatihan melalui pemerataan pendidikan dan pelatihan bagi seluruh SDM bank bjb

H. Penguatan Teknologi Informasi Menuju Digital Banking dan Integrated Payment System

1. Pengembangan aplikasi dan infrastruktur Teknologi Informasi untuk mendukung meningkatnya transaksional perbankan secara menyeluruh dan berkelanjutan 2. Melengkapi kebijakan dan prosedur untuk mendukung peningkatan kualitas Good Corporate Governance GCG bank bjb khususnya di bidang teknologi Informasi 3. Melakukan pengembangan untuk mendukung penguatan kelancaran dan keamanan sistem pembayaran, pelaporan dan administrasi jasa melalui: a. Pembuatan aplikasi monitoring interface SKNBI b. Pembuatan database inward kliring c. Pembuatan aplikasi pelaporan MPN d. Pembuatan aplikasi interface ID Billing e. Perluasan jaringan transaksi e-banking 4. Penambahan fitur danatau layanan transaksi e-banking melalui: a. Perluasan kerja sama dengan switchingaggregator dan biller untuk peningkatan transaksi e-banking b. Pengembangan layanan transaksi e-banking USSD Menu Browser, bjb Mobile Banking c. Pengembangan fitur e-banking multiple account untuk layanan bjb NET dan bjb SMS, pembukaan deposito di bjb NET, pembukaan tabungan berjangka di bjb NET, pengembangan menu purchase untuk kartu ATMDebit bank-bank lain 5. Meningkatkan kemampuan dan kehandalan TI untuk mendorong terwujudnya layanan digital bank sebagai tindakan antisipasi kebutuhan layanan nasabah yang berbasis elektronik

I. Meningkatkan Peran Unit Kerja Non Bisnis Untuk Mendukung Akselarasi Pertumbuhan Bisnis Yang

Berkualitas 1. Berperan aktif dalam memantau, meneliti, dan memberikan informasi mengenai perkembangan bisnis perbankan terkini yang meliputi strategi bank wide dan strategi cabang, melalui riset business intelligence bersama unit bisnis terkait

11. To support the business growth of bank bjb through

competence-based education and training and become strategic partner in order to achieve the quality of human resources 12. The improvement of education and training governance through equal distribution of education and training for all employees of bank bjb

H. Strengthening of Information Technology Towards Digital Banking and Integrated Payment System

1. The development of applications and infrastructures of Information Technology to support the increase in the banking system in a comprehensive and sustainable way 2. To complete the policies and procedures in order to support the quality improvement of Good Corporate Governance GCG of bank bjb in particular in the field of information technology 3. To implement the development in order to support the strengthening of facilitation and security payment system, reporting, and administrative services through: a. The development of SKNBI interface monitoring application b. The development of inward clearing database c. The development of MPN reporting application d. The development of ID billing interface application e. The expansion of e-banking transaction networks 4. The addition of e-banking transaction features and services through: a. The expansion of cooperation with switching aggregator and biller to improve e-banking transaction b. The development of e-banking transaction services USSD Menu Browser, bjb Mobile Banking c. The development of e-banking features multiple account for the services of bjb NET and bjb SMS, opening deposits at bjb NET, opening time deposit at bjb NET, the development of purchase menu for ATMDebit Card of other banks 5. To improve the capability and reliability to achieve the best digital services of bank as the measure to anticipate the needs of electronic-based customer services I. Improving the Role of Non-Business Work Unit To Support the Acceleration of the Quality Business Growth 1. To play a role in monitoring, researching, and providing information on the latest development of banking business covering bank-wide strategies and strategies of branch offices, through the research of business inteligence with the related business unit