The year 2012, Bank Resona Perdania generally opt for a policy to maintain funding stability while ensuring an optimal growth of credit.
Funding stability was achieved by attracting third-party funds by offering competitive interest rates for savings.
An optimal credit growth was achieved by seeking low-interest alternative funding sources and concurrently stregthening a portfolio of domestic customers.
The general strategy to increase revenue was carried out by increasing loan disbursement and optimizing the usage of Credit facility, Export, Import and Bank Guarantee. The other strategy included offering competitive lending interest rates to grow our loan portfolio throughout 2012.
To continue meeting the required minimum capital adequacy, the Bank continued to strengthen its capital structure, which included increasing Retained Earnings.
The Bank is clear on its overall mission to conduct banking business in the best possible manner, while remaining accountable through human capital quality improvements, IT and Systems improvement, and constantly adhering to the rules, regulations and policies issued by the Central Bank (Bank Indonesia) as well as the Government.