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

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

CODE.ID was previously a business unit of INTEGRASI, a system integrator that also provided software services established in 1999. In 2014, CODE.ID becomes an independently run company which currently has around 100 passionate developers with a myriad numbers of skill sets. 

CODE.ID has been established since 1999 and became a publicly listed company in Jakarta Stock Exchange in 2001 - as PT Integrasi Teknologi Tbk. It was back to be a private company in 2007.


Our Success Stories:

We successfully developed, deployed, and supported Information Technology Infrastructure for Komisi Pemilihan Umum (KPU) or the National Election Commission in 2004. We developed the election application and also distributed, installed, and  supported (7x24 hour) two data centers and 8000 VPN connected personal computers in 5,000 locations in the cities, rural areas, and remote areas all over Indonesia.

Code.id

<ul>
	<li>Menggali, menganalisis, dan mendokumentasikan kebutuhan bisnis dari stakeholder.</li>
	<li>Menerjemahkan kebutuhan bisnis menjadi functional &amp; technical requirements yang jelas.</li>
	<li>Terlibat dalam pengembangan dan implementasi sistem terkait:</li>
	<li>Regulatory Reporting (Antasena &amp; SLIK)</li>
	<li>Data Warehouse (DWH), khususnya area Credit Card</li>
	<li>Berkolaborasi dengan tim IT (Developer, QA, Data Engineer) untuk memastikan solusi sesuai kebutuhan bisnis.</li>
	<li>Menyusun dokumen seperti Business Requirement Document (BRD) dan Functional Specification Document (FSD).</li>
	<li>Mendukung proses testing termasuk User Acceptance Test (UAT).</li>
	<li>Melakukan gap analysis antara sistem existing dan kebutuhan bisnis.</li>
	<li>Berkoordinasi dengan tim lintas fungsi termasuk compliance dan risk terkait regulasi perbankan.</li>
</ul>

IT Business Analyst  ex Banking

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

PT PANTJA ARTHA NIAGA adalah perusahaan yang bergerak dalam bidang Importir dan Distributor minuman, khususnya minuman beralkohol, mencakup Beer, Wine & Spirits.

PT Pantja Artha Niaga

<ul>
	<li>Melakukan review, verifikasi, assessment terhadap data-data terkait kelengkapan administrasi pengajuan pinjaman.</li>
	<li>Memastikan kelengkapan dokumen serta kesesuaian dengan kebijakan internal.</li>
	<li>Melakukan monitoring terhadap outstanding loan, jadwal pembayaran, serta status kolektibilitas.</li>
	<li>Menyusun laporan periodik terkait posisi pinjaman, aging, dan performance loan portfolio.</li>
	<li>Melakukan rekonsiliasi data pinjaman dengan bagian Finance/Accounting untuk keperluan pengajuan pinjaman perbankan.</li>
	<li>Menangani pertanyaan dan komunikasi dengan pihak internal maupun eksternal terkait status pinjaman.</li>
	<li>Mengidentifikasi potensi risiko dan memberikan rekomendasi perbaikan proses loan management.</li>
</ul>

Banking Relation and Loan Management Specialist

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. Budgeting, Forecasting, and Financial Planning

<ul>
	<li>Lead annual budgeting, quarterly forecasting, and long-term financial planning processes.</li>
	<li>Monitor budget utilization and ensure alignment with business strategy and revenue targets.</li>
	<li>Support management with financial scenario planning and business decision modeling.</li>
	<li>Improve financial planning accuracy and strategic resource allocation.</li>
</ul>

2. CAPEX Evaluation &amp; Investment Feasibility Analysis

<ul>
	<li>Evaluate capital expenditure proposals, new projects, and expansion initiatives.</li>
	<li>Conduct ROI analysis, payback period assessment, and financial feasibility studies.</li>
	<li>Review business cases for new store openings, warehouse expansion, product launches, and strategic investments.</li>
	<li>Ensure investment decisions are financially sustainable and aligned with company priorities.</li>
</ul>

3. Business Expansion Financial Review

<ul>
	<li>Support strategic expansion planning across retail, distributor, manufacturing, and digital channels.</li>
	<li>Analyze profitability impact, funding requirements, and operational scalability of new business initiatives.</li>
	<li>Provide financial recommendations for partnerships, key accounts, and growth opportunities.</li>
	<li>Support long-term business sustainability planning.</li>
</ul>

4. Profitability and Business Performance Analysis

<ul>
	<li>Monitor business profitability by product, channel, branch, and business unit.</li>
	<li>Conduct margin analysis, cost optimization reviews, and performance benchmarking.</li>
	<li>Provide management with actionable insights for improving profitability and efficiency.</li>
	<li>Support commercial and operational teams with financial performance evaluation.</li>
</ul>

5. Delegation of Authority (DOA) Management

<ul>
	<li>Develop and maintain financial approval structures and Delegation of Authority (DOA) policies.</li>
	<li>Ensure clear approval ownership for spending, procurement, investment, and strategic decisions.</li>
	<li>Review authority limits and maintain governance discipline across departments.</li>
	<li>Strengthen accountability and reduce approval risks.</li>
</ul>

6. Approval Matrix and Governance Control

<ul>
	<li>Manage approval workflows for major financial commitments and strategic decisions.</li>
	<li>Establish governance standards for procurement, contracts, investments, and large operational spending.</li>
	<li>Ensure decision-making follows company policy, authority structure, and compliance standards.</li>
	<li>Reduce financial leakage and governance gaps.</li>
</ul>

7. Board and Executive Financial Reporting

<ul>
	<li>Prepare strategic financial reports for Managing Director, Board, and executive leadership.</li>
	<li>Support board meetings with investment summaries, financial risk analysis, and decision recommendations.</li>
	<li>Coordinate financial governance reporting and executive-level financial visibility.</li>
	<li>Improve decision transparency and executive oversight.</li>
</ul>

8. Policy Governance and Compliance Monitoring

<ul>
	<li>Develop and review finance-related policies, SOPs, and governance frameworks.</li>
	<li>Ensure compliance with internal controls, audit requirements, and regulatory standards.</li>
	<li>Support policy implementation and governance discipline across business units.</li>
	<li>Coordinate with Internal Control, Accounting, and Treasury teams for compliance alignment.</li>
</ul>

9. Financial Risk Governance

<ul>
	<li>Identify and assess financial risks across operations, investments, and strategic decisions.</li>
	<li>Strengthen preventive controls for fraud, authority abuse, and financial exposure.</li>
	<li>Support risk mitigation planning and governance improvements.</li>
	<li>Protect financial sustainability and business integrity.</li>
</ul>

Corporate Finance Governance

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

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>Develop, enhance, and maintain banking applications using .NET (C#) technologies.</li>
	<li>Analyze business requirements and translate them into technical solutions that meet banking standards.</li>
	<li>Integrate applications with other systems such as core banking, payment gateways, and third-party services.</li>
	<li>Create and execute unit tests to ensure application quality.</li>
	<li>Perform debugging, troubleshooting, and bug fixing on existing applications.</li>
	<li>Collaborate with Business Analysts, QA, Infrastructure, and Project Managers throughout the development lifecycle.</li>
	<li>Prepare and maintain technical documentation in accordance with banking IT procedures.</li>
</ul>

.NET Developer

<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

PT. BPR Cibitung Tanjungraya didirikan pada tahun 1991 sebagai salah satu lembaga keuangan mikro yang berfokus pada pelayanan masyarakat di wilayah Kabupaten Bekasi dan sekitarnya. Berawal dari komitmen untuk meningkatkan inklusi keuangan di daerah dengan pertumbuhan ekonomi yang pesat, BPR Cibitung Tanjungraya hadir memberikan solusi keuangan yang mudah, aman, dan terpercaya bagi pelaku usaha mikro, kecil, dan menengah (UMKM), serta masyarakat umum. Didirikan dengan izin usaha dari Bank Indonesia dan diawasi langsung oleh Otoritas Jasa Keuangan (OJK), kami senantiasa menjunjung tinggi prinsip kehati-hatian dan tata kelola yang baik. Dalam perjalanannya, BPR Cibitung Tanjungraya telah berkembang menjadi mitra finansial andalan yang mampu bersaing di tengah tantangan industri perbankan.

BPR Cakradana

<ul>
	<li>Maintaining Company's portofolio on securities transactions</li>
	<li>Analyze stock market for investment decision</li>
	<li>Actively doing buy or sell with the goal of short term price movement or long term investment strategies</li>
	<li>Leveraging research to make decisions and potentially profit from market movements</li>
	<li>Keep all records of orders and transactions</li>
	<li>Consistently achieving a positive monthly profit</li>
</ul>

Stock Trader

PT. Indocyber Global Teknologi, an integrated information and technology system provider, dedicated to delivering highly effective solutions in the field of Information Systems. Our core business focuses on information technology services, digital marketing and IT infrastructure. 

PT. Indocyber Global Teknologi started with only 10 (ten) personnel, currently, after years of experience, we are supported by more than 200 consultants and developers.

PT. Indocyber Global Teknologi

Contract Type: PKWT (12 Months) 
Industry: Banking 
Working System: Full WFO 
 

Perform testing on mobile and web applications, especially banking or financial service applications, to ensure functionality, reliability, and usability.

Execute test cases, test scenarios based on business and technical requirements.

Participate in test planning, test execution, defect reporting, and test result documentation.

Identify, document, and track bugs using defect management tools.

IT QA Manual

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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