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Why Work in a Bank
SBM-ITB
Career & Scholarship Fair
2014
Simple Question
1. Why are you here?
2. Why do you want to work in a bank?
PT. Bank Negara Indonesia (Persero) Tbk. All Rights Reserved 2
In What Area Do You Want To Work in a Bank?
PT. Bank Negara Indonesia (Persero) Tbk. All Rights Reserved 3
5. Capital Markets4. Lending
7. Payments
1.DistributionManufacturing8.Corp.
Core
3. Deposits/Cash
Mgt.
6. Insurance
5.1 Asset Mgt. 5.2 Invest Banking4.1 Simple Lending 4.2 Complex
Finance
1.7 Channel Integration
& Management
1.1 Brand Management
6.1 Fulfillment
6.2 Underwriting & Pricing
6.3 Claims & Risk Servicing
6.4 Product Mgt Strategic
6.5 Fund Management
3.1 Fulfillment
3.2 Account Servicing
5.1.1 Invest Management /
Advisory
5.1.2 Research And Products
4.2.1 Deal Shaping &
Underwriting
4.2.2 Account Servicing
4.2.3 Portfolio Mgt
4.2.5 Syndication & Participation
4.2.4 Special Assets Mgt.
1.7.5 Channels
Alignment
1.7.4 Channel Migration
Strat Dev & Execution
1.7.1 Channel Mix
Optimization
1.7.3 Channel Pricing
Optimization
1.7.2 Channel Demand
Mgt And Optimization
Mass Market Affluent HNWI SME
Large
Corporate
Institutional
1.5 Origination1.2 Customer Insight 1.3 Marketing 1.4 Sales 1.6 Servicing
Brand 2 Brand 3 …Brand 4Brand 1
7.1 Payments/Transactions
Equities
Commodities
StructuredProducts
P&c
Insurance
Term
Life
Traditional
Life
Compulsory
PersonalInjury
Commercial
Lines
TimeDeposit
SavingAccount
CurrentAccount(UK)–
CheckAccount(US)
CashManagement
Project
Finance
Commodity
Finance
Other
Structured
Finance
Asset
Finance
Trade
Finance
Secured
Lending
Unsecured
Lending
CreditCard/
RevolvingCredit
Consumer
Finance
SME/Simple
Commercial
4.1.1 Application Processing And
Fulfillment
4.1.2 Credit Assessment
4.1.3 Account Servicing
4.1.5 Portfolio Mgt
4.1.6 Securitization
4.1.4 Collections/Default Mgt
Leasing
8.6 Technology 8.10 Bank Management8.9 Facilities8.8 3rd Party Management8.7 Procurement
8.1 Treasury 8.5 Human Resources8.4 Legal Compliance8.3 Risk Management8.2 Finance
2.Hub
2.2 Product
Management
2.1 Customer
Management
2.3 Pricing
2.4 Account
Reconciliation
And Balancing
2.5 Customer
Billing &
Statementing
2.6 Profitability
Analysis
2.7 Document
Management
2.8 Knowledge
Management
5.2.2 Cross Product Processing
5.2.1 Trading
FixedIncome
IR&CreditDeliverables
EquityDerivatives
FXAndMoneyMarkets
5.1.3 Execution
5.1.3 Servicing
Phone Web 3rd Parties ATM/EFTPOS MobileRelationship MgrBranch Mail
1.1.1 Brand Valuation
1.1.2 Target Brand
Positioning
1.1.3 Brand Strength
1.1.4 Brand Positioning
Enhancement
1.1.5 Brand Customer
Experience
1.7.10 3rd Party
Channels Mgt
1.7.8 Call Centre
Management (Phone)
1.7.7 Relationship
Manager Management
1.7.11 ATM/ EFTPOS
Channel Management
1.7.9 Web Channel
Management
1.7.12 Mobile Channel
Management
1.7.13 Mail Channel
Management
1.7.6 Branch
Management
7.2 Information Processing
Equities
FixedIncome
Alternativeand
Quantitive
Investments
PrivateEquities
RealEstate
Another Question
1. Do You Know How AFTA (MEA) Will Affect
Workforce Constellation?
2. What Should You Have by 2015?
PT. Bank Negara Indonesia (Persero) Tbk. All Rights Reserved 4
Our Brief History
PT. Bank Negara Indonesia (Persero) Tbk. All Rights Reserved 5
First Transformation
assisted by Booz Allen
became a modern
Bank
1946 1996 1998-99 2000 2003 2009 2011 -2015
BNI was
established
as the
central and
first state
owned bank
Go public
Become the
first publicly
listed state
owned bank
Global Crisis
• Rupiah
heavily
devaluated
• The market
froze and
shrank
Post crisis
Zero growth policy on
hiring until 2008
Internal Shift
• Change in operating
model.
• Centralization in
control and process
• BNI started a
Comprehensive
Tranformation
Program to be
customer centric
organization
• Start hiring to fill
capacity and
capability gap
• Transformation
Program is started
to implement in
next multi years
1986
First Right
Issue
2005 2010
Second Right
Issue
2004
Shift to
product
centric
operating
model
BNI Outlets
PT. Bank Negara Indonesia (Persero) Tbk. All Rights Reserved 6
International Footprints
PT. Bank Negara Indonesia (Persero) Tbk. All Rights Reserved 7
New York
London
Tokyo
Hongkong
Singapore
BNI also has international presence with
• 5 overseas branch (New York, London, Tokyo, Hongkong, Singapore)
• Remittance Agency (Brunai, Kuala Lumpur, Taiwan, Middle East (Kuwait, Abu Dhabi, Dubai, Riyadh, Jeddah,
Qatar)
Qatar
Kuala Lumpur
Taiwan
Dubai
Kuwait
Abu DhabiJeddah
Riyadh
Brunai Darussalam
BNI Business Strategy 2013
PT. Bank Negara Indonesia (Persero) Tbk. All Rights Reserved 8
Business Banking Growth
PT. Bank Negara Indonesia (Persero) Tbk. All Rights Reserved 9
Consumer & Retail Growth
PT. Bank Negara Indonesia (Persero) Tbk. All Rights Reserved 10
Credit Quality Improvement
PT. Bank Negara Indonesia (Persero) Tbk. All Rights Reserved 11
International & Treasury Growth
PT. Bank Negara Indonesia (Persero) Tbk. All Rights Reserved 12
Network Expansion
PT. Bank Negara Indonesia (Persero) Tbk. All Rights Reserved 13
Last Message
Read at Least Their Annual Report
PT. Bank Negara Indonesia (Persero) Tbk. All Rights Reserved 14
Thank You
PT. Bank Negara Indonesia (Persero) Tbk. All Rights Reserved 15

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Why work-in-a-bank

  • 1. Why Work in a Bank SBM-ITB Career & Scholarship Fair 2014
  • 2. Simple Question 1. Why are you here? 2. Why do you want to work in a bank? PT. Bank Negara Indonesia (Persero) Tbk. All Rights Reserved 2
  • 3. In What Area Do You Want To Work in a Bank? PT. Bank Negara Indonesia (Persero) Tbk. All Rights Reserved 3 5. Capital Markets4. Lending 7. Payments 1.DistributionManufacturing8.Corp. Core 3. Deposits/Cash Mgt. 6. Insurance 5.1 Asset Mgt. 5.2 Invest Banking4.1 Simple Lending 4.2 Complex Finance 1.7 Channel Integration & Management 1.1 Brand Management 6.1 Fulfillment 6.2 Underwriting & Pricing 6.3 Claims & Risk Servicing 6.4 Product Mgt Strategic 6.5 Fund Management 3.1 Fulfillment 3.2 Account Servicing 5.1.1 Invest Management / Advisory 5.1.2 Research And Products 4.2.1 Deal Shaping & Underwriting 4.2.2 Account Servicing 4.2.3 Portfolio Mgt 4.2.5 Syndication & Participation 4.2.4 Special Assets Mgt. 1.7.5 Channels Alignment 1.7.4 Channel Migration Strat Dev & Execution 1.7.1 Channel Mix Optimization 1.7.3 Channel Pricing Optimization 1.7.2 Channel Demand Mgt And Optimization Mass Market Affluent HNWI SME Large Corporate Institutional 1.5 Origination1.2 Customer Insight 1.3 Marketing 1.4 Sales 1.6 Servicing Brand 2 Brand 3 …Brand 4Brand 1 7.1 Payments/Transactions Equities Commodities StructuredProducts P&c Insurance Term Life Traditional Life Compulsory PersonalInjury Commercial Lines TimeDeposit SavingAccount CurrentAccount(UK)– CheckAccount(US) CashManagement Project Finance Commodity Finance Other Structured Finance Asset Finance Trade Finance Secured Lending Unsecured Lending CreditCard/ RevolvingCredit Consumer Finance SME/Simple Commercial 4.1.1 Application Processing And Fulfillment 4.1.2 Credit Assessment 4.1.3 Account Servicing 4.1.5 Portfolio Mgt 4.1.6 Securitization 4.1.4 Collections/Default Mgt Leasing 8.6 Technology 8.10 Bank Management8.9 Facilities8.8 3rd Party Management8.7 Procurement 8.1 Treasury 8.5 Human Resources8.4 Legal Compliance8.3 Risk Management8.2 Finance 2.Hub 2.2 Product Management 2.1 Customer Management 2.3 Pricing 2.4 Account Reconciliation And Balancing 2.5 Customer Billing & Statementing 2.6 Profitability Analysis 2.7 Document Management 2.8 Knowledge Management 5.2.2 Cross Product Processing 5.2.1 Trading FixedIncome IR&CreditDeliverables EquityDerivatives FXAndMoneyMarkets 5.1.3 Execution 5.1.3 Servicing Phone Web 3rd Parties ATM/EFTPOS MobileRelationship MgrBranch Mail 1.1.1 Brand Valuation 1.1.2 Target Brand Positioning 1.1.3 Brand Strength 1.1.4 Brand Positioning Enhancement 1.1.5 Brand Customer Experience 1.7.10 3rd Party Channels Mgt 1.7.8 Call Centre Management (Phone) 1.7.7 Relationship Manager Management 1.7.11 ATM/ EFTPOS Channel Management 1.7.9 Web Channel Management 1.7.12 Mobile Channel Management 1.7.13 Mail Channel Management 1.7.6 Branch Management 7.2 Information Processing Equities FixedIncome Alternativeand Quantitive Investments PrivateEquities RealEstate
  • 4. Another Question 1. Do You Know How AFTA (MEA) Will Affect Workforce Constellation? 2. What Should You Have by 2015? PT. Bank Negara Indonesia (Persero) Tbk. All Rights Reserved 4
  • 5. Our Brief History PT. Bank Negara Indonesia (Persero) Tbk. All Rights Reserved 5 First Transformation assisted by Booz Allen became a modern Bank 1946 1996 1998-99 2000 2003 2009 2011 -2015 BNI was established as the central and first state owned bank Go public Become the first publicly listed state owned bank Global Crisis • Rupiah heavily devaluated • The market froze and shrank Post crisis Zero growth policy on hiring until 2008 Internal Shift • Change in operating model. • Centralization in control and process • BNI started a Comprehensive Tranformation Program to be customer centric organization • Start hiring to fill capacity and capability gap • Transformation Program is started to implement in next multi years 1986 First Right Issue 2005 2010 Second Right Issue 2004 Shift to product centric operating model
  • 6. BNI Outlets PT. Bank Negara Indonesia (Persero) Tbk. All Rights Reserved 6
  • 7. International Footprints PT. Bank Negara Indonesia (Persero) Tbk. All Rights Reserved 7 New York London Tokyo Hongkong Singapore BNI also has international presence with • 5 overseas branch (New York, London, Tokyo, Hongkong, Singapore) • Remittance Agency (Brunai, Kuala Lumpur, Taiwan, Middle East (Kuwait, Abu Dhabi, Dubai, Riyadh, Jeddah, Qatar) Qatar Kuala Lumpur Taiwan Dubai Kuwait Abu DhabiJeddah Riyadh Brunai Darussalam
  • 8. BNI Business Strategy 2013 PT. Bank Negara Indonesia (Persero) Tbk. All Rights Reserved 8
  • 9. Business Banking Growth PT. Bank Negara Indonesia (Persero) Tbk. All Rights Reserved 9
  • 10. Consumer & Retail Growth PT. Bank Negara Indonesia (Persero) Tbk. All Rights Reserved 10
  • 11. Credit Quality Improvement PT. Bank Negara Indonesia (Persero) Tbk. All Rights Reserved 11
  • 12. International & Treasury Growth PT. Bank Negara Indonesia (Persero) Tbk. All Rights Reserved 12
  • 13. Network Expansion PT. Bank Negara Indonesia (Persero) Tbk. All Rights Reserved 13
  • 14. Last Message Read at Least Their Annual Report PT. Bank Negara Indonesia (Persero) Tbk. All Rights Reserved 14
  • 15. Thank You PT. Bank Negara Indonesia (Persero) Tbk. All Rights Reserved 15