JAKARTA - PT Bank Tabungan Negara (Persero) Tbk (BBTN) compiled four focus areas of strategy to face the challenges of macro dynamics and adaptation to business digitization.
"The first focus is the Credit Business Plan which will optimize the portion of the national housing program with a target distribution of KPR Subsidy of 171,200 units," said Bank BTN President Director Nixon LP Napitupulu, Wednesday, April 26.
He added, in addition to developing a credit business plan, Bank BTN also developed KPR products and schemes targeting millennials, targeting the distribution of 54,500 non-subsidized mortgages and developing MSME businesses by optimizing the portion of Bank BTN in the distribution of KUR.
The second focus is the Funding Business Plan by targeting the acquisition of customer payroll for institutions to increase retail DPK, develop wholesale banking businesses as a source of CASA growth and fee based income and recomposition wholesale funding to reduce blended costs of funds.
The third focus is Digital Banking Development by developing a digital-based housing ecosystem such as the BTN Properti application, BTN Properti for Developer, Smart Residence, and eMitra and increasing digital transactions through the launching of BTN Mobile.
And the fourth focus is to become an enabler by centralizing the back-end process to improve operational efficiency (cash center, accounting and procurement) and continuing to improve the credit process, especially in the commercial and MSME segments.
The increasingly strong digitization is also a strategic issue for Bank BTN in achieving business targets in 2023. After the pandemic, the digitalization trend remains high with a focus on flexibility, speed and security," concluded Nixon.
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