Increasing the number of Japanese and local customers by taking the existing opportunities that exist, which relate to the following:
Investment flows from Japan to Indonesia demonstrate an increase with many Japanese companies seeking to invest in Indonesia. With this favorable investment climate, we will strive to increase the number of new customers.
By benefiting our prime customer network to increase the number of our new local customer by gets information good local company and using this network to build business relationship with new local company or Customer Get Customer program.
In addition, Bank Resona Perdania is strive to optimize the Bank’s strength in the transaction approval process, particularly for loan approval where the Bank possesses the speed related with authorization method, and some business policies that provides the convenience to customers, so that they can be more satisfied with the Bank’s services.
Increasing third party funds, from both existing customers and new customers by providing competitive interest rate in accordance with the Bank’s risk appetite.
Adding interbank facilities in the form of credit facilities and issuing securities such as MTN either for liquidity buffer or source of funding to support loan expansion, so our source of funds will be more diversified, stable and long-term funding.
Strengthening capital base by increasing income that focusing on core banking business and disposal of non-core assets.
To increase the quality and speed of service to the customers and speed accordance with standard operational procedures and reviewing Bank products in order to have possibility to issue new products that can fulfill the customer needs and give easiness to customer to have banking transaction with Bank.
Human Resources (HR) and Organization Development Strategies
Improving function of strategic and important divisions, such as Human Resources Division (HRD) in charge of managing internal education and trainings. To improve quality and quantity of employees, the Bank uses independent consultant, thus all problems related to HR can be mapped and gradually resolved. Through this strategy, we can generate human resources with high quality and capability of supporting the assets growth.
Beside that Bank will also develop its organization structure by forming Marketing Unit that focus on customers who have business market at China and South East Asia as a strategy for additional customers and loan expansion or “China Desk”.
Improving and implementing the compliance culture to all levels of the organization so that all management and staff possess high compliance awareness in executing their tasks and responsibilities.
Completing the risk based audit program and developing the internal audit process by means of hearing memo or interview sheet in order to clarify actual operational situation on each audited division.
In the framework to increase services to the customer Bank has a plan to change existing internet banking system with internet banking system which can facilitate and represent our Bank services in fulfill customers need of their transaction, including accomplish other applications and technology systems. Beside that Bank also will conduct co location data center to special location that more secure.
Risk Management Strategies
Developing and implementing Enterprise Risk Management to all level of the organization by using independent third party to review the implementation of risk management, all existing risk management policies, the adequacy of risk management strategies, so that the roles and functions of risk management can be improved in the future.
Arranging the office network by exploring the possibility of the opening of new sub branches or functional office to expand the service area and meet the customer needs of the banking services. Beside that in order Bank has their own representative head office building, Bank has a plan to relocate its head office to the new business area.