ORGANIZATIONAL HEALTH INDEX

PT. BANK CENTRAL ASIA (BCA) CASE STUDY

Group 6 :
Donny Sulastiawan 29119609
Mufti Muhtadi 29119244
Aurora Wicaksono Nugroho 29119493
Revi Dicky Adistu 29119362
Sarifah Ulfa Sahubawa 29119462

Compensation & Managing Employee Performance

OUTLINE

Products : Saving Competitive Advantage

Industry Analysis OHI Quistionaire

Products - Savings
Profile Company

Industry Analysis Strategy Analysis &

Market Share Ansoff Matrix
 Profile Company

Founded in 1957, BCA is present in the midst of Indonesian society and have grown to become one of
the largest banks in Indonesia. For more than 63 years, they have never stopped offering various
banking solutions that answer the financial needs of customers from various backgrounds. Through a
variety of quality and targeted products and services, BCA financial solutions support personal financial
planning and the development of business customers. In accordance with the commitment of "Always by
Your Side", BCA will continue to strive to maintain the trust and expectations of their customers and
stakeholders. Winning the trust to provide the best solutions for customers' financial needs is an honor
and pride for BCA.

Vision
The community's mainstay of choice bank
which plays an important pillar of the
Indonesian economy.
Mission
1. To build institutions that excel in payment
settlement and financial solutions for
business and individual customers.
2. Understand various customer needs and
provide the right financial services in order to
achieve optimal customer satisfaction.
3. Increase BCA's franchise value and
stakeholder value.
Products
Tahapan

Tahapan Ekspresi

Tahapan Berjangka

Tahapan Gold

Tahapan Pelajar

Deposito Berjangka

BCA
Minimum initial deposit is IDR
50,000
The administration fee for
savings is IDR 5,000 - IDR
15,000 depending on the
savings model customer use.
Maximum transaction
withdrawal is IDR
10,000,000/day
Industry Analysis
Product : Savings
BNI BRI Mandiri
Minimum initial deposit is IDR Minimum initial deposit is IDR Minimum initial deposit is IDR
250,000 250,000 (Classic) and IDR 500,000
500,000 (Gold). Monthly card
fee of IDR 2000 (Classic) and
IDR 6000 (Gold)
Administration fee IDR Administration fee: Administration fee IDR
11,000/month ≤ IDR 10 Million : IDR 11,000. 12,500/month
> IDR 10 Million : IDR 12,000.
Maximum transaction More than 10,000 BRI Work Transfer fee to other bank is
withdrawal is IDR Units and 22,000 BRI ATMs IDR 6,500 per transaction
10,000,000/day (Gold & throughout Indonesia.
Platinum)
IDR5,000,000/day (Silver)
Industry Analysis – Market Share

16% Market Share

0.14
14%
12% 10.90%
10% 0.09
0.08
8%
6%
4%
2%
0%
BCA BNI BRI MANDIRI
BCA BNI BRI MANDIRI

Source : https://finansial.bisnis.com/read/20181112/90/858881/dpk-mengendur-pertumbuhan-aset-13-bank-besar-pun-melambat
Competitive Advantage

Interest and Profit Sharing

Security

Business Continuity Freedom in Transaction

Network A fairly safe investment

option

More planned financial management

OHI Quistionaire
Leadership Driven Gap Execution Edge Gap
Career Opportunities 4 0.25 Knowledge Sharing 3.9 0.15
Open & Trusting 4.07 0.32 Creative & Entrepreneurial 3.73 -0.02
Performance Contracts 3.80 0.05 Employee Involvement 3.87 0.12
Inspirational Leaders 3.8 0.05 Talent Development 4 0.25
Strategic Clarity 3.67 -0.08 Internally Competitive 4.07 0.32
People Performance Review 3.87 0.12 Personal Ownership 4.07 0.32
Operational Management 4 0.25 Bottom-up Innovation 3.87 0.12
Operationally Disciplined 4 0.25 Top-down Innovation 3.53 -0.22
Consultative Leadership 3.93 0.18 Meaningful Values 4 0.25
Consequence Management 4 0.25 Consequence Management 4 0.25
TOTAL 3.913666667 1.637 TOTAL 3.903333333 1.636666667

Market Focus Gap Knowledge Core Gap

Business Partnerships 3.4 -0.35 Talent Acquisition 4.2 0.45
Customer Focus 4.07 0.32 Role Clarity 4 0.18
Compatible Insight 3.87 0.12 Consequence Management 4 0.25
Government & Community Relations 4.13 0.38 Rewards & Recognition 3.80 0.05
Financial Management 4.07 0.32 Personal Ownership 4.07 0.32
Capturing External Ideas 3.8 0.0 People Performance Review 3.87 0.12

Process-based Capabilities 3.9 0.15 Career Opportunities 4 0.25

Shared Vision 3.73 -0.02 Performance Contracts 3.80 0.05

Outsourced Expertise 3.93 0.18 Professional Standards 3.87 0.12

Financial management 4.07 0.32
Strategic Clarity 3.67 -0.08
TOTAL 3.857 1.07
TOTAL 3.961333333 2.113333333
1. Strengthening the transaction banking franchise through payment settlement services by opening accounts online through BCA Mobile and

strengthening collaboration with e-commerce and fintech companies to expand the reach of the BCA payment service ecosystem.

2. BCA emphasizes lending to customers with good track records and maintaining credit diversification to mitigate concentration risk. BCA disbursed

loans in the form of syndicated loans to prospective infrastructure sectors such as toll roads, electricity, telecommunications, airports and others.

3. BCA prioritizes enhancing the competence of credit staff (both account officers and relationship officers). Competency development is carried out

continuously through various training programs in the form of on-site and e-learning which can be accessed through digital applications.

4. BCA is actively developing other financial services including foreign exchange, cross border remittance, trade finance, wealth management &

bancassurance as well as business lines of its subsidiaries. BCA builds business synergies with BCA subsidiaries engaged in motor vehicle

financing, sharia banking, securities, remittances, general insurance & life insurance as well as venture capital companies investing in technology.

5. BCA has completed the acquisition of Bank Royal as part of the realization of the business plan. Currently in the process of building a business

model for Bank Royal which will focus on providing digital technology-based services in synergy with BCA.

6. BCA continues to take advantage of the development of digital technology and social media in carrying out marketing activities to reach the wider

community, especially the younger generation and customers who are tech-savvy. In addition, BCA has a solution center as well as a call center,

Halo BCA, which can be contacted via telephone, video call or media chat in providing information services for BCA banking products and

services.
7. Conducting various forms of cooperation in promotional and marketing programs with various strategic partners including MAP Group, Starbucks,

Alfamart, Indomaret, Gramedia, Pizza Hut, Matahari Department Store and Singapore Airlines. As online shopping transactions increase, BCA also

collaborates with leading e-commerce platforms such as Gojek, Shopee, Tokopedia, Blibli, and Bhinneka.

8. Organizing various events that present a series of attractive promos related to consumer products such as KPR and KKB as well as other BCA products

including products of subsidiary companies. Conduct joint promotions such as the Singapore Airlines Travel Fair, get involved in the Big Bad Wolf Book

Sale and Jakarta Sneaker Day activities

9. Strengthening digital marketing to support the marketing of BCA products and services through marketing activities on social media (Facebook, Twitter,

Instagram), including improving the digital command center to monitor and manage activities in the world of social media and improve BCA digital

marketing performance.

10.Enhancing the corporate website bca.co.id with a more attractive user friendly interface (including the mobile version), completing information on

various BCA products and services, and adding the online account opening feature and the e-branch feature

11.Improve BCA’s chat banking facility as a means of digital customer service and marketing, especially to reach the millennial generation. BCA’s also

supports marketing programs by providing information on various BCA promotions.

12.BCA made efforts to increase digital awareness within the company and encourage the use of various BCA digital services
Ansoff Matrix

New
Product Development Diversification

Exist
Market Penetration Market Development
Exist New
Thank You