MOM : 01/11/2018

 Ensure staff competency and mastering procedure

 Branch front liners competencies -> to anticipate business growth
 Centralized Branch Ops,
1. Simplify process
2. Reduce resources
3. Increase control
 Productivity, efficiency
 Monitoring cost at branch operations
 Standard SIT-UAT-Sign off new process/product/system
 Identify productivity staff – report productivity -> Department Head presentation -> review by
Division Head
 Closing/down-grading branches : impact to resources, allocation to other branches
 Rating BSOM (competency: behavior& technical) subject to available position
 Information security : information to external must be approved by supervisor
 Poor project management -> cost and result
 Ops Development -> prepare Ops format in 5 years
 J-Trust international will send people with expertise consumer lending to help the bank
 Customizing consumer retail specific for Indonesia’s market
 BOPO ratio must < 85% in 2019
 Focus on remote area (blue ocean strategy) for SME
 Modeling Digital Branches – Jtrust Bank
 Priority – for location at central city
 Dependency on Finacle -> must submit request as much as many then claim
 Put agenda how to make this Business Plan happen.
 Alignment with business/supporting ->
 System & Process -> Ops Development in charge for Operations Directorate
 IDEA AND PROPOSAL TO DETAIL DOWN STRATEGY 2019 MUST BE PREPARED