Improve UUS Performance, Bank Jatim Launching Dual Banking Leveraging Model

Date: 06 october 2023

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SURABAYA, OCTOBER 6, 2023. PT Bank Pembangunan Daerah Jawa Timur Tbk (bankjatim) is increasingly aggressive in improving the performance of the Sharia Business Unit (UUS). One strategy that has been done is by launching Dual Banking Leveraging Model (DBLM) on Friday (6/10). Located in the Banking Hall of Bank Jatim Main Branch Surabaya, the launching activity was attended by bankjatim President Director Busrul Iman, bankjatim Compliance Director Tonny Prasetyo, bankjatim Finance, Treasury and Global Services Director Edi Masrianto, bankjatim Risk Management Director Eko Susetyono, bankjatim Operations Director Arif Suhirman, bankjatim SEVP Corporate Transformation Budi Sumarsono, bankjatim SEVP Network and Services Revi Adiana, and bankjatim SEVP Sharia Business Umi Rodiyah.

Busrul explained, the concept of Dual Banking Leveraging Model (DBLM) is a concept that has been used to improve the performance of the Islamic Business Unit (UUS).

Busrul explained, the DBLM concept is a business model where banks optimize conventional infrastructure and resources in order to expand the market share of Islamic banking. Thus, it can have an impact on the growth of financial performance of UUS and conventional banks. Through this strategy, Islamic banks can market their products through marketers and their parent infrastructure. "So, the company is more efficient, because in terms of costs it can go down and sales can synergize better," he explained.

Through the DBLM strategy, Islamic banks do not make conventional banks as rivals. Rather, it makes Islamic banks a complement to conventional bank products. "This is a strategy to spur sustainable growth. The DBLM concept in UUS bankjatim will be able to serve the process of opening third-party funds, applying for financing or credit, as well as customer service for Islamic or conventional products," Busrul said.

Therefore, DBLM must be balanced with increased employee knowledge, especially in terms of Islamic banking so that its implementation runs optimally. "For the beginning, DBLM is still in Surabaya Main Branch. But hopefully in the future there will be DBLM in all bankjatim branch offices. Because, with DBLM business and operational activities in UUS can be more efficient so that business growth can be faster, "said Busrul.

He also explained, the average annual growth of UUS bankjatim assets from 2016 - 2022 amounted to 6.43 percent. This figure is still below the average growth of Islamic banks in Indonesia by 13.09 percent. "Of course this will be our common hope that with the DBLM can increase the assets of UUS bankjatim," added Busrul.

According to him again, there are several things that must be done by UUS bankjatim in order to make an increasing contribution to the company. Among other things, products and services must be competitive in meeting the needs of various customer segments, maximizing the use of digital technology, and must be observant and agile in capturing opportunities. "Most importantly, able to create new innovations in banking," added Busrul.