Note : Meeting

 Due to payment of loans, around 500 Bio therefore Funding room 1.1 Tio until Jun 2019.
 Until Apr 2019 funding must reduce to IDR 500 bio due to lower asset in order to reduce
 Funding to plan reducing interest 8-8.25%
 Sanbe reduced around IDR 500 Bio
 Bandung branch plan to auction old furniture. New branch will use old furniture
 Due to Antaboga case, plan to reduce, there is a potential antaboga’s customer to sue
BJTI assets
 In terms of the target to bring down the cost of fund by 0.25%. Agung, BM Pondok Indah is
one of the main big source of fund
 Other branches must be monitored the special rate
 Asset Mgmt total portfolio around IDR 1,4 Tio : Batavia, Megah, Bahana etc
 Try to explore and reduce the interest, can not partially if not they will pull out the fund
 FMD Lucky raised issue on Bappebti
 There are 10 branches achieved numbers, need to provide incentives for both cost of fund
and CASA achiever. Plan to provide 50% of incentives
 Asano : National needs to achieve 100% achievement, or else only partially
 The total target : need more CASA.
 Trend to reduce Td with high interest, after general election, predictably interest will
lower down. Target Cost of Fund by end of 2019 : 6,9%