OCBC Indonesia (formerly known as OCBC NISP) is the fourth oldest bank in Indonesia, which was founded in April 4th 1941 in Bandung under the name of NV Nederlandsch Indische Spaar En Deposito Bank.

OCBC Indonesia then grown to be a solid and dependable bank, especially in providing service for small business segments. It officially became a commercial bank in 1967, Foreign exchange bank in 1990 and public corporate in Indonesia Stock Exchange in 1994.

In the end of 1990, OCBC Indonesia managed to pass the Asia monetary crisis and the fall of banking industry without any recapitalization obligation aid from the government. OCBC Indonesia became one of the first few banks to resume lending during the crisis. This initiative enabled the Bank to note a high growth.

OCBC Indonesia good reputation and its promising growth has attracted the interest of International Finance Corporation (IFC), a part of World Bank Group, which then became a shareholder in 2001-2010 and from OCBC Singapore which then became the shareholder OCBC Indonesia. 

With the support from OCBC Bank-Singapore, OCBC Indonesia has implemented aggressive programmes to strengthen the infrastructure, human resources, information and technology, as well as office networking.

PT Bank OCBC NISP, Tbk is licensed and supervised by the Otoritas Jasa Keuangan (OJK) and is an LPS participant.

PT Bank OCBC NISP, Tbk

Transaction Processing &amp; Monitoring:

<ul>
	<li>Reconcile domestic and cross-border transactions</li>
	<li>Monitor transaction flows across regional systems and ensure timely execution within SLAs.</li>
	<li>Investigate and resolve transaction discrepancies, exceptions, and failed payments.</li>
</ul>

Compliance &amp; Risk Management:

<ul>
	<li>Ensure all transactions comply with internal policies, regulatory requirements</li>
	<li>Support anti-money laundering (AML) checks and suspicious transaction reporting (STR) processes.</li>
	<li>Maintain audit trails and documentation for transaction records.</li>
</ul>

System &amp; Process Support:

<ul>
	<li>Utilize core banking systems (e.g., T24, Finacle, or other OCBC platforms) and regional operational tools.</li>
	<li>Assist in testing and implementation of system enhancements related to transaction processing.</li>
	<li>Participate in process improvement initiatives to increase efficiency and reduce operational risk.</li>
</ul>

Cross-functional Coordination:

<ul>
	<li>Liaise with branches, regional teams, treasury, compliance, and IT to resolve transaction-related issues.</li>
	<li>Provide operational support to clients and internal stakeholders during peak periods or system outages.</li>
</ul>

Transaction Banking Officer

OttoDigital is part of Salim Group Digital Ecosystem (Financial Technology) - aims to empower “the underserved” and “the unbanked” population through integrated implementation of the Group digital payment ecosystem. We are digital platform and solution to businesses and enterprises, enabling various digital transactions on their services to better serve consumers.

OttoDigital Group

<ul>
	<li>Act as a project manager for business acquisitions related to finance.</li>
	<li>Set up new finance, accounting, and other systems for new businesses or companies.</li>
	<li>Implement business process improvements to achieve efficiency and maintain robust controls.</li>
	<li>Lead and manage the Finance department to ensure financial records are accurate and compliant with legal standards.</li>
	<li>Develop and maintain financial policies and procedures to ensure the integrity of financial records.</li>
	<li>Provide financial analysis, budgeting, and forecasting reports to leadership and other stakeholders.</li>
	<li>Optimize company processes and manage facility requirements.</li>
	<li>Oversee IT systems and direct HR functions such as payroll.</li>
	<li>Support senior management with data-driven insights and manage external vendor relationships.</li>
	<li>Ensure sufficient cash flow for payments while maximizing returns from investment placements and loan needs.</li>
	<li>Lead the monthly capital requirement process together with accounting and other departments.</li>
	<li>Monitor cash flow, oversee banking relationships, and implement strategies to mitigate financial risks.</li>
</ul>

Head of Corporate Finance and Investment

Bumi Amartha Teknologi Mandiri or “AMARTEK” was established to provide information technology solutions. Our mission from the very first day has been to cultivate professional relationships with our clients to provide effective and reliable information technology solutions for their needs. The team at "AMARTEK" is equipped with a highly developed skillset developed over decades of experience not only in information technology but also in business processes across a range of industry sectors. This business experience makes us uniquely positioned to offer solutions promising greater operational efficiency, productivity gains and cost savings for each of our clients, regardless of their industry.

As an established technology-intensive company, we pride ourselves on providing a comprehensive suite of solutions comprising of Infrastructure Consultancy, on/offsite services, Custom software and web development, Talent Augmentation, and enterprise architecture consulting. Our team consistently delivers state-of-the-art solutions in various areas including, but not limited to: integrated business solutions, system applications, product development and professional services.

At "AMARTEK", we guarantee rapid, reliable and robust information technology solutions that work. 

PT Bumi Amartha Teknologi Mandiri

<ul>
	<li>Develop, customize, and implement new features within the Temenos T24 core banking system.</li>
	<li>Manage and maintain API services to support seamless system integration with internal and external platforms.</li>
	<li>Troubleshoot, debug, and resolve application issues to ensure system stability and performance.</li>
	<li>Collaborate with cross-functional teams to analyze business requirements and translate them into technical solutions.</li>
	<li>Manage source code, perform version control, and maintain code repositories using GitHub.</li>
	<li>Conduct API testing and validation using tools such as Postman.</li>
	<li>Ensure system enhancements align with business needs and comply with technical standards.</li>
	<li>Provide technical support and documentation for developed solutions.</li>
</ul>

Temenos Core Banking Developer

Banking Academy hosts 3 specialized career path within OCBC. The program delivers its learning experience through structured curriculum designed specifically for each stream.

The program divided into classroom trainings, observation, and on-the-job Training (OJT).

In OCBC, we value our talents and strongly believe that career progression is a process, evolves through time, and perseverance.

Graduate Development Program – Banking Academy program is designed to accelerate the development of high qualified sales professionals in funding and lending business lines within the bank.

Banking Academy for Sales

Bank Jakarta berdiri dan beroperasi sejak tanggal 11 April 1961 merupakan bank pembangunan daerah pertama yang lahir di Indonesia seiring dengan terbentuknya kota Jakarta sebagai ibukota Indonesia. Bank Jakarta telah melalui sejarah panjang seiring dengan berbagai dinamika pesatnya pertumbuhan kota Jakarta dan telah mengalami beberapa kali perubahan status dan nama perusahaan

PT Bank DKI (Bank Jakarta)

<ul>
	<li>
	Mengelola dan mengembangkan hubungan dengan nasabah terkait produk transactional banking dan merchant (EDC, payment gateway, dll.)
	</li>
	<li>
	Menawarkan solusi layanan transaksi seperti cash management, pembayaran, dan collection sesuai kebutuhan nasabah
	</li>
	<li>
	Mencapai target bisnis melalui akuisisi nasabah baru dan peningkatan volume transaksi merchant
	</li>
	<li>
	Melakukan monitoring performa transaksi serta memberikan analisis dan rekomendasi untuk peningkatan bisnis nasabah
	</li>
</ul>

Relationship Manager Transaksional Banking & Merchant

Rich in history, strong financial health, excellent human resources, and reliable technology, BNI certainly has been on the right track to become a national bank with global capabilities.

Since its establishment in 1946, BNI has always been part of the dynamics of national development in Indonesia. Now BNI has grown and developed into a solid national bank with sustainable financial performance. ‘Serving the Country, Pride of the Nation”, BNI is challenged to continue and increase its contribution for the progress of the nation and country, today and in the future.

BNI believes that human resources are one of the most valuable assets of any company or organization, without which sustainability is not possible. BNI seeks to create a great place to contribute, learn, and grow, to be the pride of the nation.

Bank Negara Indonesia

Bank Negara Indonesia (Persero) Tbk (BNI) is one of the biggest financial institutions in Indonesia, providing services to customers with a wide array banking, investment, digital product and other sustainable financial products and solutions for domestic and international area.

To support our vision, BNI is committed to attract high-quality talents across the country to ensure our further accomplishments. You will be immersed an exceptional and challenging work environment and surrounded by colleagues and leaders who are passionate to help you grow and development your skill.

In line with BNI's future business focus which is the wealth management sector, BNI seeks to recruit a fresh graduate who are passionate in investment and wealth management.

Officer Development Program (ODP) Retail Banking - Wealth Management is designed to be a future leader and professional in the financial services industry, specifically in Wealth Management, with a primary focus on the development of investment, expanding the Emerald and Private Banking market by acquiring new clients to achieve set targets and deliver optimal profits for BNI Wealth Business.

Officer Development Program (ODP) Retail Banking Wealth Management

Indonesia Stock Exchange (IDX) is a Self-Regulatory Organization that creates a trusted and credible financial market infrastructure to deliver a fair, orderly, and efficient market, accessible to all stakeholders through innovative products and services. Our vision is to be a competitive stock exchange with world-class credibility. We aim to develop the Indonesian capital market to bring prosperity as one of the pillars of the Indonesian economy. We also actively seek to create more impact globally by joining the World Federation of Exchanges and Sustainable Stock Exchanges. Our goal is to become a credible exchange that drives financial deepening, enabling Indonesia to become the 5th largest economy by 2045. 

Our core values, Teamwork, Integrity, Professionalism, and Service Excellence (TIPS), are set to be our DNA. This is how we live at IDX. TIPS become the spirit that leads us to strengthen collaboration, and innovation, and to continuously go above and beyond to achieve our goals. 

People play significant roles in the success of IDX, and thus we put people as our priority. Ensuring our people have nurturing and exciting working experiences, we are fully committed to developing and energizing our people by providing various development programs and opportunities to create an impact through their roles/work. We are blessed to have been awarded as one of the Best Companies to Work for in Asia for the third consecutive year in 2017, 2018, and 2019, organized by HR Asia. 

Indonesia Stock Exchange

We are seeking bright professionals to join our organization as a Potential Listing Development Officer. In this position, you will be responsible for carrying out activities that support IDX program aimed at increasing number of Listed Companies and Issuers on the Exchange by engaging with shareholders or top level management of potential issuers including but not limited from General Corporation, Government Institutions/State-Owned Enterprises/Regional-Owned Enterprises, and other corporations (excluding Start-ups and SMEs) that enable them to issue securities through Capital Market.

Potential Listing Development Officer

Starting an unincorporated business in 1996, Simbadda Group has been distributing high quality consumer electronics throughout Indonesia. The business unit has started to form a corporate business since 2002.

One of our leading brands is SIMBADDA, which is known by the Indonesian people as a pioneer of speakers, cases and power supplies. We are also involved in the distribution of premium gadget accessories and PC components. Simbadda Group will continue to expand its distribution business to grow in the consumer electronics industry in Indonesia.

Simbadda Group always upholds the value of honesty, among others: honesty of quality,  honesty of cooperation in business and trying to establish cooperation with all partners  throughout Indonesia. 

Currently, Simbadda Group is expanding towards digital transformation that is looking for  enthusiastic, passionate, ambitious individuals to be part of us. 


Simbadda Group

1. Financial Strategy &amp; Corporate Planning

<ul>
	<li>Develop long-term financial strategy aligned with company growth plans</li>
	<li>Evaluate business expansion, new ventures, and investment opportunities</li>
	<li>Support corporate structuring and group-level financial planning</li>
	<li>Provide strategic recommendations to Managing Director</li>
</ul>

2. Capital Structure &amp; Fundraising

<ul>
	<li>Manage capital structure (debt vs equity optimization)</li>
	<li>Identify and secure funding sources:</li>
	<li>Bank financing</li>
	<li>Investors / private equity</li>
	<li>Strategic partnerships</li>
	<li>Prepare financial projections and investment proposals</li>
</ul>

3. Investment &amp; Feasibility Analysis

<ul>
	<li>Evaluate feasibility of:</li>
	<li>New business units</li>
	<li>Product expansion</li>
	<li>Market expansion (national / regional)</li>
	<li>Build financial models (IRR, ROI, payback period)</li>
	<li>Conduct risk and sensitivity analysis</li>
</ul>

4. Cash Strategy &amp; Treasury (Strategic Level)

<ul>
	<li>Oversee long-term cash planning</li>
	<li>Optimize capital allocation across business units</li>
	<li>Ensure efficient use of funds for growth and return</li>
</ul>

5. Mergers, Acquisitions &amp; Partnerships (if applicable)

<ul>
	<li>Identify potential acquisition or partnership opportunities</li>
	<li>Conduct financial due diligence</li>
	<li>Support negotiation from financial perspective</li>
	<li>Evaluate post-investment performance</li>
</ul>

6. Financial Modeling &amp; Decision Support

<ul>
	<li>Build advanced financial models for strategic decisions</li>
	<li>Provide scenario planning for best-case, base-case, and worst-case situations</li>
	<li>Support management in high-impact decisions</li>
</ul>

7. Stakeholder &amp; External Relations

<ul>
	<li>Manage relationships with:</li>
	<li>Banks</li>
	<li>Investors</li>
	<li>Financial institutions</li>
	<li>Prepare investor presentations and financial reports</li>
	<li>Support fundraising and strategic discussions</li>
</ul>

8. Cross-Functional Collaboration

Work closely with:

<ul>
	<li>Managing Director (strategy &amp; expansion)</li>
	<li>MDO (performance tracking &amp; execution alignment)</li>
	<li>Finance Manager (budget &amp; operational finance)</li>
	<li>Accounting &amp; Tax Manager (financial data &amp; compliance)</li>
</ul>

Corporate Finance Manager

The Treasury Manager is responsible for managing all treasury activities, including cash management, liquidity planning, banking relationships, funding strategies, and financial risk management. The role ensures the company maintains optimal liquidity, financial efficiency, and risk control to support operational needs and business growth.

1. Cash &amp; Liquidity Management

<ul>
	<li>Manage daily, weekly, and monthly cash flow operations.</li>
	<li>Ensure sufficient liquidity to support operational and investment needs.</li>
	<li>Develop and maintain cash flow forecasting and liquidity analysis.</li>
</ul>

2. Banking &amp; Relationship Management

<ul>
	<li>Manage relationships with banks and financial institutions.</li>
	<li>Negotiate banking facilities such as loans, overdrafts, FX services, and guarantees.</li>
	<li>Optimize banking costs and service efficiency.</li>
</ul>

3. Funding &amp; Capital Management

<ul>
	<li>Develop short-term and long-term funding strategies.</li>
	<li>Manage loans, credit facilities, and capital structure.</li>
	<li>Ensure compliance with debt covenants and financial agreements.</li>
</ul>

4. Risk Management (FX &amp; Interest Rate)

<ul>
	<li>Manage foreign exchange exposure and currency risks.</li>
	<li>Monitor interest rate exposure and financial volatility.</li>
	<li>Design and implement hedging strategies when necessary.</li>
</ul>

5. Payment &amp; Transaction Control

<ul>
	<li>Oversee payment processes including vendors, payroll, and operational expenses.</li>
	<li>Ensure strong internal control over financial transactions.</li>
	<li>Improve payment systems and transaction efficiency.</li>
</ul>

6. Treasury Reporting &amp; Compliance

<ul>
	<li>Prepare regular treasury and cash position reports.</li>
	<li>Ensure compliance with internal policies and financial regulations.</li>
	<li>Support internal and external audit processes.</li>
</ul>

7. Systems &amp; Process Improvement

<ul>
	<li>Develop and enhance integrated treasury systems (ERP/automation).</li>
	<li>Improve efficiency of cash management processes.</li>
	<li>Drive digital transformation within treasury operations.</li>
</ul>

Treasury Manager

ASTRO is Indonesia's quick commerce company that delivers groceries and essentials to your door within minutes. Founded in 2021 by a group of seasoned e-commerce executives and backed by both trusted International and local investors, it is our mission to make people's lives simpler and easier by saving them time, energy, and money.
Just like real Astronauts that take off into outer space, Astro embodies the values of being fast, bold, adventurous, and technologically advanced.
Interested in working for a company that pushes the boundaries and strives to be the best? Join us now to be a part of this ground-breaking mission!

Astro Technologies Indonesia

<ul>
	<li>Build and maintain financial models and projections (budgets, forecasts, long-range plans)</li>
	<li>Analyze business performance and translate complex financial data into clear, compelling insights</li>
	<li>Support fundraising, investor relations, and strategic transactions (e.g., equity raises, M&amp;A, partnerships)</li>
	<li>Partner with cross-functional teams (Strategy, FP&amp;A, Operations) to ensure targets, budgets, assumptions and projections are well-aligned</li>
	<li>Conduct market, industry, and competitor analysis to support strategic planning</li>
	<li>Assist in ad-hoc corporate finance projects as required by management</li>
</ul>

Corporate Finance Senior Associate

Holding BUMN Danareksa adalah instrumen strategis Pemerintah Republik Indonesia yang berperan sebagai holding transformasi dan investasi atas
lebih dari 40 perusahaan multisektor di bawah kepemilikan langsung dan tidak langsung dengan total aset sebesar Rp60 triliun dengan tujuan untuk
meningkatkan skala bisnis menjadi perusahaan berkinerja tinggi dengan tata kelola unggul yang berkontribusi signifikan bagi perekonomian dan
masyarakat.

Danareksa.

<ul>
	<li>Legal Document Review and Preparation: 
	a. Drafting, reviewing, and examining legal documents such as contracts, cooperation agreements, MoUs, and other business documents. 
	b. Ensuring the legality of documents in accordance with applicable laws and regulations.</li>
	<li>Legal Compliance: 
	a. Ensuring the company complies with all relevant regulations, laws, and legal policies. 
	b. Monitoring regulatory changes that may impact company operations.</li>
	<li>License Management: 
	a. Managing company-related licensing documents, including applications, renewals, and extensions. 
	b. Coordinating with relevant parties to ensure a smooth licensing process.</li>
	<li>Operational Legal Support: 
	a. Providing legal advice to other departments regarding the legal aspects of company operations. 
	b. Assisting in resolving legal disputes, both internally and externally.</li>
	<li>Legal Archiving and Documentation: 
	a. Managing the legal document archiving system to ensure data accessibility and security. 
	b. Preparing periodic legal and licensing reports for internal company needs.</li>
</ul>

Business Legal Officer at PT Kawasan Industri Terpadu Batang (KITB)

Didirikan pada tahun 2012, memulai bisnis sebagai penyedia layanan untuk ATM. Saat ini perusahaan mengembangkan solusi dan penyedia layanan multi-vendor, untuk menawarkan berbagai solusi dan layanan inovasi yang lebih luas.

VISI
Menghasilkan solusi dan layanan terbaik di bidang Layanan dan Konsultasi IT dengan upaya maksimal yang diarahkan pada kepuasan pelanggan.

MISI
Untuk membangun reputasi sebagai salah satu penyedia Solusi dan Layanan IT yang paling inovatif. Kami percaya dalam melakukan pekerjaan dengan cara yang paling efisien serta dengan metodologi yang kuat dan terstruktur, dengan evolusi bertahap dari kerja keras ke budaya kerja cerdas, untuk memenuhi kepuasan klien.

 
IT Consulting & Professional Services

To keep pace in the digital age while controlling costs and mitigating business risks, you can no longer depend on the past as a guide for the future. Leverage our consulting services and technology expertise to accelerate your business transformation and innovation strategies. We help you create and execute strategies to unlock opportunities, optimize processes, and uncover cost savings, with the offering as follow:

• Advisory Services. Our expert security consultants help you to secure your technologies by putting the right policies, processes, and architectures in place

• Architecture consulting services. Use existing and estimated future application traffic patterns to design a technology architecture for your organization. 

• Project and programmed management services. We support the successful execution of your IT projects using robust, proven project management methodologies.

•Application Customization and Programming Services. Our Developer expert could help you to provide the customization and enhancement of your existing applications.

 •QA and Automation Consultancy. Our QA and Automation expert will help you to ensure the quality of software development and deployment. Performing automated and manual tests to ensure the software created by developers is fit for purpose, include analysis of the software, and systems, mitigate risk and prevent software issues.

 

MITech

<ul>
	<li>Plan, execute, and manage IT projects related to banking systems (core banking, digital banking, payment, or internal applications).</li>
	<li>Coordinate cross-functional teams (Business, Developer, QA, Infrastructure, Vendor).</li>
	<li>Define project scope, timeline, budget, and deliverables in alignment with business objectives.</li>
	<li>Monitor project progress, manage risks, issues, and dependencies.</li>
	<li>Ensure project delivery complies with banking regulations, security, and internal governance.</li>
	<li>Prepare project documentation: Project Charter, BRD/FRD, timeline, risk register, and status reports.</li>
	<li>Communicate project updates clearly to stakeholders and management.</li>
	<li>Manage change requests and ensure proper approval and documentation.</li>
	<li>Support UAT, go-live, and post-implementation review activities.</li>
</ul>

IT Project Manager

PT.  Akhdani Reka Solusi (ARS), merupakan perusahaan software khususnya pengembangan software, datawarehouse, maintenance, system integration dan konsultan.

PT Akhdani Reka Solusi

<ul>
	<li>Design, develop, test, and maintain web, mobile, and backend applications for banking operations and digital channels</li>
	<li>Develop secure and efficient APIs and integrate systems with core banking, third-party, and internal services</li>
	<li>Collaborate with other teams to deliver functional and user-friendly solutions</li>
	<li>Write clean, efficient, and maintainable code, following industry best practices and coding standards</li>
	<li>Ensure software solutions comply with data security, regulatory, and banking governance standards</li>
	<li>Support production systems and provide technical expertise for ongoing system improvements</li>
</ul>

Software Engineer

Founded in 2023, PT Alamas Niaga Gemilang which headquartered in North Jakarta, began as a specialized chemical solutions provider for the polyurethane foam manufacturing industry.


PT Alamas Niaga Gemilang

<ul>
	<li>Develop new customers and achieve sales targets while maintaining strong client relationships and customers satisfaction</li>
	<li>Monitor supply chain to ensure timely and accurate order fulfillment.</li>
	<li>Manage accounts receivable, to secure timely payments from customers.</li>
	<li>Collect and gather market information, grasp product sales situation, analyze competitive situation, and adjust sales strategies in a timely manner to meet market needs.</li>
	<li>Venture into new industries and expand market presence</li>
	<li>Complete tasks assigned and regularly report work progress.</li>
</ul>

Junior Sales Executive B2B

Our Journey

With a renewed vision for growth and innovation, we rebranded as PT Bank SMBC Indonesia Tbk (SMBC Indonesia) in 2024, formerly known as PT Bank BTPN Tbk. This rebranding reflects our response to the dynamic changes, allowing us to consolidate our strengths and deliver even more seamless, integrated solutions for millions of customers from diverse segments across Indonesia.
 
This transformation signals our commitment to advancing and streamlining our business strategies, enabling us to better serve our customers and help them lead more meaningful and fulfilling lives. At the heart of this rebrand is our dedication to supporting Indonesia's long-term development goals, in alignment with the vision of Indonesia Emas 2045.
 
In addition to these goals, we are excited to invite talented individuals and younger generations to join us, expand their careers and make a lasting impact. Together, we can drive positive change and build a brighter future for Indonesia.

Life at SMBC Indonesia

At SMBC Indonesia, our team is a close-knit family of innovative individuals dedicated to growing and making a positive impact on our communities. We offer top-notch banking services while ensuring that our team members feel appreciated and engaged thanks to cutting-edge digital technology and global expertise. We foster a flexible, open environment where employees can continuously learn, develop professionally, and aspire to become their best selves.

We cultivate a collaborative culture with open communication between leaders and team members, encouraging the sharing of ideas, feedback, and problem-solving. Strong bonds between colleagues are vital, enabling agile teamwork that drives success in today’s fast-paced banking industry.
Our office is designed for both productivity and relaxation, with activities like billiards, gaming, and karaoke available after work. SMBC Indonesia also supports various internal clubs, offering options like yoga, badminton, gaming, and parenting to keep our team active and engaged. We believe these opportunities are essential for maintaining a vibrant, innovative workforce.

Giving Back

Through our Daya program, SMBC Indonesia champions sustainable, measurable empowerment initiatives for our customers. The Daya program offers education, training, and resource-sharing to enhance entrepreneurial skills, unlock growth opportunities, and improve quality of life. Health & Wellness and Community Empowerment programs are integral parts of our business model, fostering an environment where our customers thrive alongside our business.

Adaptive to change
 
With decades of experience, SMBC Indonesia has embraced adaptability as a core value. Our approach to work reflects this, with flexible dress codes, remote work options, and digital collaboration tools to keep our team connected and productive. By embracing these changes, we are better positioned to serve our customers effectively and stay resilient in a dynamic industry. Despite the evolving challenges in banking, SMBC Indonesia remains committed to meaningful progress and impactful service that touches millions.

PT Bank SMBC Indonesia Tbk

Melakukan proses akuisisi nasabah baru untuk produk funding / wealth, cross selling / top up nasabah existing serta melakukan proses maintenance terhadap nasabah existing sehingga tercapai target pertumbuhan nasabah dan pertumbuhan volume portofolio dengan memberikan layanan transaksi sesuai dengan standar dan prosedur yang berlaku.

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