Penyelenggaraan pendidikan dan pelatihan ditetapkan melalui SK Direksi No 704/SK/DIR-ET/2014 tangal 22 September 2014 tentang Pedoman Pengelolaan Pendidikan dan Pelatihan (PP). Setiap karyawan memiliki kesempatan yang setara dalam mendapatkan pendidikan dan pelatihan, pengembangan karir sesuai dengan kinerja, kompetensi, pengalaman dan kriteria lainnya yang ditetapkan. Divisi Pendidikan & Pelatihan merupakan salah satu unit kerja di bank bjb yang memiliki fungsi strategis dalam mendukung pencapaian bisnis bank bjb. Divisi Diklat bank bjb memiliki Visi ”Menjadi Centre of Learning Organization dalam Mendorong Kegiatan Bisnis Bank”. Visi tersebut diterjemahkan ke dalam Misi Divisi Pendidikan & Pelatihan sebagai berikut:
1. Sebagai pusat kepemimpinan (Centre of Leadership), yaitu menciptakan kader-kader pemimpin masa depan bank bjb guna mendorong kegiatan bisnis bank;
2. Sebagai pusat kompetensi (Centre of Competency), yaitu menciptakan pegawai bank yang kompeten melalui pengembangan attitude, knowledge dan skill dalam mendorong kegiatan bisnis bank;
3. Sebagai pusat sertiikasi (Centre of Certiication), yaitu menciptakan pegawai bank yang mempunyai standar kompetensi yang diakui atau tersertiikasi guna mendorong kegiatan bisinis bank.
Pemilihan peserta pelatihan di bank bjb dilakukan melalui Training Need analysis yang meliputi hal sebagai berikut :
• Penentuan berdasarkan grade untuk menentukan keikutsertaan karyawan dalam pelatihan wajib/ pelatihan utama
• Pengukuran Training Need analysis menggunakan kuesioner untuk menentukan ketimpangan kompetensi dan menentukan jenis pelatihan teknikal maupun soft skill yang dapat diikuti oleh para karyawan bank bjb
• Menjadikan jabatan saat ini sebagai referensi untuk menentukan pelatihan teknis yang diperlukan untuk menunjang pekerjaan karyawan sesuai dengan posisinya.
The implementation of education and training is established through Decree of Board of Directors No. 704 / SK / DIR-ET / 2014 dated September 22nd, 2014 on Guidelines for Education and Training Management (PP). Every employee has equal opportunity in getting education and training, career development in accordance with the performance, competence, experience and other criteria. Education & Training Division is one of the working units in bank bjb which has a strategic function in supporting the achievement of bank bjb’s business. Banking Training Division of bank bjb has a Vision to “Becoming a Center of Learning Organization in Encouraging Bank Business Activity”. The vision translated into Education & Training Division’s Mission as follows:
1. As the Center of Leadership, which creates future leader cadres of bank bjb’s to encourage banks business activities
2. As a Center of Competency, which creates competent employees through the development of attitude, knowledge and skills in encouraging the banks business activities
3. As a Center of Certiication, which creates competent and certiied employees to encourage banks business activities.
The selection of training participants in bank bjb is done through Training Need analysis which includes:
• A grade-based determination to determine employee participation in mandatory training / main training
• Measurement Training Need analysis using
questionnaires to determine competency inequality and determine the type of technical training and soft skills that can be followed by employees of bank bjb
• Make the current position as a reference to determine the technical training required to support employee’s work in accordance with its position.
145
Sustainability Report 2016
Kontribusi Ekonomi Dan Tanggung Jawab Produk Economy Contribution and Product Responsibility
Sosial Dan Masyarakat Social and Community
Lingkungan Environment
Program kegiatan Pendidikan dan Pelatihan dilakukan berupa in house training, public training, seminar dan workshop. Metode yang digunakan pendidikan dan pelatihan dalam in house training yang diselenggarakan oleh bank bjb sendiri adalah:
Education and Training programs are conducted in the form of In House Training, public training, seminars and workshops. The methods for In House Training which organized by bank bjb are:
Metode pendidikan dan pelatihan dalam
in house training
In Class/Lecturer
In Class/Lecturer
Jigsaw Practicum in computer lab for system application
Disscussion and Study Cases Focus Group
Discussion
Praktikum di laboratorium komputer untuk aplikasi
system
In House Training’s Education and Training
Method
Diskusi & Studi Kasus Focus Group
Discussion Jigsaw
Pengembangan Sumber Daya Manusia
146
Laporan Keberlanjutan 2016Tentang Laporan Ini About this Report
Tentang bank bjb About bank bjb
Pelibatan Pemangku Kepentingan Stakeholders Involvement
Tata Kelola Berkelanjutan Sustainable Governance
Pada tahun 2016 Divisi Pendidikan & pelatihan telah melaksanakan 976 Pelatihan dari target 850 pelatihan yang direncanakan untuk diselenggarakan, dan diikuti oleh 27.358 peserta dengan total biaya pelatihan sebesar Rp. 80.050.000.000, -. Jenis pelatihan, jumlah pelatihan, jumlah peserta dan jenis peserta diuraikan sebagai berikut. [G4-LA9]
In 2016, Education & Training Division has implemented 976 Training from the target of 850 training planned to be held, followed by 27,358 participants with total training cost of Rp. 80.050.000.000, -. The type of training, number of training, number of participants and type of participants are described as follows.[G4-LA9]
Keterangan Explanation In House Training Public Training/ Seminar/ Workshop
TOTAL SatuanUnit
Jumlah Pelatihan
Total Training 555 421 976
kali
Times
Jumlah Peserta
Total Participant 23.302 2.254 27.556 Peopleorang
Biaya Pelatihan
Training Cost 64.635 19.924 84.559
Juta Rupiah/orang
Million rupiah/ People
Rata-rata Biaya Pelatihan
Average Training Cost 3,07
Juta Rupiah/orang
Million rupiah/ People
Jumlah Hari Pelatihan
Total Training Day 3.264
Hari
Day
Rata-rata Hari Pelatihan
Average Training Day 10,58
Hari/orang
Day/People Tabel Jumlah, Hari dan Biaya Pelatihan
Table Amount, Day and Cost of Training
Peserta Pelatihan Berdasarkan Jenis Kelamin Training Participants by Gender
*Jumlah 7726 termasuk jumlah karyawan yang telah berhenti bekerja baik karena mengudurkan diri, diberhentikan maupun pensiun sampai dengan periode 31 Desember 2016.
*The amount of 7726 includes the number of employees who have quit from work either due to resign, dismissal or retirement until December 31st, 2016. Laki-laki Male
3.802
3.924
7.726
Perempuan Female Total147
Sustainability Report 2016
Kontribusi Ekonomi Dan Tanggung Jawab Produk Economy Contribution and Product Responsibility
Sosial Dan Masyarakat Social and Community
Lingkungan Environment
NO PELATIHAN YANG DILAKSANAKAN OLEH DEWAN KOMISARIS | TRAININGS HELD BY BOARD OF COMMISSIONERS 1 LEADERSHIP
2 REFRESHMENT MANAJEMEN RISIKO/ RISK MANAGEMENT 3 STRATEGIC BUSINESS ANALYSIS
4 STRATEGIC PERFORMANCE MANAGEMENT 5 TAX MANAGEMENT
6 TRANSFORMASI (BANK PEMBANGUNAN DAERAH) BPDSI
NO PELATIHAN YANG DILAKSANAKAN OLEH DIREKSI| TRAININGS HELD BY BOARD OF DIRECTORS 1 ASSET AND LIABILITY MANAGEMENT (ALMA)
2 BAHASA INGGRIS
3 CPD (CONTINUING PROGRAM DEVELOPMENT) WEALTH MANAGEMENT 4 DAPEN (DANA PENSIUN)
5 ENTERPRISE RISK MANAGEMENT
6 INTERNATIONAL BANKCARD MANAGEMENT SCHOOL 7 LEADERSHIP
8 OUTBOND
9 REFRESHMENT MANAJEMEN RISIKO/RISK MANAGEMENT 10 RISK MANAGEMENT FOR OFFICER
11 TAX MANAGEMENT
12 TRANSFORMASI (BANK PEMBANGUNAN DAERAH) BPDSI
NO PELATIHAN YANG DILAKSANAKAN OLEH PEMIMPIN DIVISI| TRAININGS HELD BY HEAD OF DIVISION 1 ACHIEVMENT ORIENTATION
2 BUSINESS CONTINUITY MANAGEMENT 3 CHANGE LEADER
4 CHANGE MANAGEMENT
5 CHARACTER BUILDING (SEMI MILITER)/WAMIL 6 COBIT 5
7 CORPORATE CULTURE 8 CORPORATE LAW
9 FINANCIAL RISK MANAGER 10 GOOD CORPORATE GOVERNANCE
11 HUMAN ROSEURCES MANAGEMENT ; A GUIDE TO HR FOR NEW 12 LEADERSHIP
13 OUTBOND
14 PEMBANGUNAN RUMAH SUSUN 15 PENGADAAN BARANG/JASA
16 PROGRAM PENGEMBANGAN KOMPETENSI
17 REFRESHMENT MANAJEMEN RISIKO/RISK MANAGEMENT 18 RISK MANAGEMENT FOR OFFICER
19 SERTIFIKASI KEPATUHAN LEVEL BASIC 20 SERTIFIKASI KEPATUHAN LEVEL INTERMEDIATE
21 SERTIFIKASI MANAJEMEN RISIKO LEVEL 1
Tabel Jenis Pelatihan
Tables of Training Types
Pengembangan Sumber Daya Manusia
148
Laporan Keberlanjutan 2016Tentang Laporan Ini About this Report
Tentang bank bjb About bank bjb
Pelibatan Pemangku Kepentingan Stakeholders Involvement
Tata Kelola Berkelanjutan Sustainable Governance
NO PELATIHAN YANG DILAKSANAKAN OLEH PEMIMPIN DIVISI | TRAININGS HELD BY HEAD OF DIVISION 22 SERTIFIKASI MANAJEMEN RISIKO LEVEL 2
23 SERTIFIKASI MANAJEMEN RISIKO LEVEL 3 24 SERTIFIKASI MANAJEMEN RISIKO LEVEL 4 25 SERTIFIKASI MANAJEMEN RISIKO LEVEL 5 26 STRATEGIC BUSINESS ANALYSIS 27 TAX MANAGEMENT
NO PELATIHAN YANG DILAKSANAKAN OLEH KARYAWAN| TRAININGS HELD BY EMPLOYEES 1 ABD (AKUNTANSI BANK DASAR)
2 ACCOUNT OFFICER (AO) KREDIT BPR & LKM LEVEL 3 ACCOUNT OFFICER (AO) UMKM
4 ACCOUNT OFFICER KONSUMER /AO KONSUMER
5 ACCOUNT OFFICER KONSUMER LANJUTAN /AO KONSUMER LANJUTAN 6 ACCOUNT OFFICER PPK PROGRAM (NPL VS NLP)
7 ACHIEVING CUSTOMER SERVICE EXCELLENT 8 ACHIEVMENT ORIENTATION
9 ADMINISTRASI KREDIT
10 ADMINISTRASI KREDIT DAN BISNIS LEGAL (AKBL) 11 ADMINISTRASI KREDIT LANJUTAN
12 ADVANCE TREASURY
13 ADVANCED MEASUREMENT APPROACHES (AMA) IN BASEL 14 ALTERNATIF PENYELESAIAN SENGKETA
15 ANALISA DAN APLIKASI ARTIKEL UCP 600 16 ANALISA EKONOMI MAKRO
17 ANALISA KREDIT DASAR 18 ANALISA KREDIT KOMERSIAL
19 ANALISA KREDIT KOMERSIAL LANJUTAN 20 ANALISA KREDIT KORPORASI
21 ANALISA KREDIT KPR DASAR 22 ANALISA KREDIT KPR LANJUTAN 23 ANALISA LAPORAN KEUANGAN BANK 24 ANALISA LAPORAN KEUANGAN LANJUTAN
25 ANALISA PEMBERIAN KREDIT KENDARAAN BERMOTOR (KKB) 26 ANALISA RESTRUKTURISASI KREDIT DASAR
27 ANALISA RISIKO KREDIT 28 ANALISIS LINGKUNGAN HIDUP
29 ANALISIS RISIKO KREDIT/CREDIT RISK ANALYSIS 30 ANTI FRAUD
31 APPLIED STATISCTIC 32 APU-PPT
33 ASPEK HUKUM & KASUS HUKUM DALAM KREDIT PROYEK KONSTRUKSI 34 ASPEK HUKUM PERKREDITAN / LOAN LEGAL ASPECT
35 ASPEK HUKUM SINDIKASI / SYNDICATION LEGAL ASPECT 36 ASSESMENT CAREER
37 ASSET & LIABILITY MANAGEMENT (ALMA) 38 ASSET MANAGEMENT
149
Sustainability Report 2016
Kontribusi Ekonomi Dan Tanggung Jawab Produk Economy Contribution and Product Responsibility
Sosial Dan Masyarakat Social and Community
Lingkungan Environment
NO PELATIHAN YANG DILAKSANAKAN OLEH WAN| TRAININGS HELD BY EMPLOYEES 39 AUDIT BANK PREKREDITAN RAKYAT
40 AUDIT BERBASIS RISIKO 41 AUDIT DASAR
42 AUDITING BUSINESS PROCESS 43 AUDITING THE HR FUNCTION 44 AUDITOR HUKUM
45 BAHASA INGGRIS 46 BASEL III 47 BASIC ALMA 48 BASIC LIFE SUPPORT 49 BASIC SELLING SKILLS 50 BASIC TRADE FINANCE 51 BASIC TREASURY 52 BEAUTY CLASS
53 BISNIS INDUSTRI SAPI POTONG 54 BISNIS LEGAL
55 BISNIS LEGAL LANJUTAN 56 BJBSIMPLE
57 BOND MARKET ANALYSIS 58 BRANCH MANAGER PROGRAM 59 BUSINESS CONTINUITY MANAGEMENT 60 CALL SPREAD BLOOMBERG
61 CERTIFIED INVESTOR RELATIONS (CIR) 62 CHANGE AGENT
63 CHANGE LEADER 64 CHANGE MANAGEMENT 65 CHARACTER BUILDING
66 CHARACTER BUILDING (SEMI MILITER)/WAMIL 67 CISA (CERTIFIED INFORMATION SYSTEM AUDITOR) 68 COACHING AND COUNSELLING
69 COBIT 5
70 COMMUNICATION SKILLS 71 CORPORATE CULTURE
72 CORPORATE FINANCIAL ANALYSIS 73 CORPORATE LAW
74 CORPORATE SOCIAL RESPONSIBILTY 75 CORPORATE UNIVERSITY
76 COST AND BENEFIT ANALYSIS 77 CREDIT RISK MODELLING
78 CRMP (CERTIFIED RISK MANAGEMENT PROFESSIONAL) 79 DAPEN (DANA PENSIUN)
80 DATA ADMINISTRATION
81 DATABASE ADMINISTRATION & SECURITY
82 DATABASE MANAGEMENT SYSTEM (DBMS) & DESIGN 83 DEVELOPMENT PROGRAM FOR BUSINESS MANAGER 84 E-CHANNEL
85 EDUCATION KNOWLEDGE
Pengembangan Sumber Daya Manusia
150
Laporan Keberlanjutan 2016Tentang Laporan Ini About this Report
Tentang bank bjb About bank bjb
Pelibatan Pemangku Kepentingan Stakeholders Involvement
Tata Kelola Berkelanjutan Sustainable Governance
NO PELATIHAN YANG DILAKSANAKAN OLEH KARYAWAN| TRAININGS HELD BY EMPLOYEES 86 EFFECTIVE BUSINESS PLAN
87 EFFECTIVE MARKETING COMMUNICATION 88 EFFECTIVE TRAINING DESIGN
89 ENTERPRISE RISK MANAGEMENT 90 EXCEL
91 EXPORT, IMPORT FINANCING 92 FILLING DAN DOKUMEN SYSTEM
93 FINANCIAL MODELLING/PROFESSIONAL FINANCIAL MODELLER (PFM) 94 FINANCIAL RISK MANAGER
95 FOREX TRANSACTION & HEDGING PRODUCT
96 FUNGSI KEPATUHAN DAN PENGAWASAN INTERNAL BANK 97 GOOD CORPORATE GOVERNANCE
98 GRAPHONOMY
99 HOW TO WRITE EFFECTIVE POLICIE AND PROCEDURES (SOP) 100 HUKUM PERBANKAN
101 HUKUM PERJANJIAN
102 HUMAN RESOURCES STRATEGY
103 HUMAN ROSEURCES MANAGEMENT ; A GUIDE TO HR FOR NEW 104 INNOVATIVE MARKETING STRATEGIES
105 INTEGRATED NEW PRODUCT DEVELOPMENT AND INNOVATION 106 INTEGRATED RISK MANAGEMENT
107 INTERMEDIATE CORPORATE LAW
108 INTERMEDIATE CREDIT RISK MANAGEMENT 109 INTERMEDIATE TRADE FINANCE
110 INTERNATIONAL BANKING MANAGEMENT 111 INTERVIEW WORKSHOP
112 INVESTASI DANA PENSIUN 113 IT AUDIT
114 IT GOVERNANCE
115 IT PROJECT MANAGEMENT 116 IT RISK MANAGEMENT (ITRM) 117 IT SECURITY
118 IT SYSTEM INTEGRATION 119 KARTU KREDIT/CREDIT CARD 120 KEAGENAN ASURANSI 121 KELAYAKAN INVESTASI 122 KESEKERTARIATAN
123 KIC (KONTROL INTERNAL CABANG) MANAGER 124 KIC (KONTROL INTERNAL CABANG) STAFF 125 KLAIM ASURANSI
126 KNOW YOUR CUSTOMER 127 KREDIT BERMASALAH/MACET 128 KUSTODIAN/BASIC CUSTODY
129 LANDED HOUSE DAN HIGHRISE PROJECT 130 LAPORAN DEWAN KOMISARIS
131 LAPORAN KEUANGAN/FINANCIAL REPORTING SKILL 132 LEADERSHIP
151
Sustainability Report 2016
Kontribusi Ekonomi Dan Tanggung Jawab Produk Economy Contribution and Product Responsibility
Sosial Dan Masyarakat Social and Community
Lingkungan Environment
NO PELATIHAN YANG DILAKSANAKAN OLEH KARYAWAN| TRAININGS HELD BY EMPLOYEES 133 LEADERSHIP - MANAGING PEOPLE
134 LEADERSHIP DEVELOPMENT PROGRAM (LDP) 135 LEGAL DRAFTING
136 LELANG ASSET JAMINAN KREDIT 137 LETTER OF CREDIT (LC)
138 MANAGING MARKETING COMMUNICATION CAMPAIGN 139 MANAJEMEN KEHUMASAN PERBANKAN
140 MANAJEMEN KREDIT/CREDIT MANAGEMENT 141 MANAJEMEN RISIKO DAPEN (DANA PENSIUN) 142 MANAJER LINI PERTAMA (MLP)
143 MARKETING FUNDING 144 MARKETING RESEARCH 145 MOTIVATION
146 NEGOTIATING SKILLS
147 OBD (OPERASIONAL BANK DASAR) 148 OFFICE CHANNELING PT TASPEN 149 OFFICER DEVELOPMENT PROGRAM (ODP) 150 OPERASIONAL PEMBAYARAN PENSIUN 151 OPERATING ELECTRONIC BANKING SYSTEM
152 OPERATIONAL RISK MANAGEMENT/MANAJEMEN RISIKO OPERASIONAL 153 OPTIMALISASI FITUR ELEKTRONIK PERBANKAN
154 ORGANIZATION DEVELOPMENT 155 OUTBOND
156 PAJAK
157 PAYROLL, REMUNERASI, PENGUPAHAN, SALARY, GAJI 158 PEMAHAMAN UNDANG-UNDANG PESEROAN 159 PEMBANGUNAN RUMAH SUSUN
160 PENGADAAN BARANG/JASA
161 PENGENALAN AKUTANSI BANK DASAR (ABD) 162 PENGENALAN PERBANKAN
163 PENILAIAN AGUNAN KREDIT KENDARAAN BERMOTOR (KKB) 164 PENILAIAN AGUNAN PROPERTI
165 PENYUSUNAN DOKUMEN KONTRAK PENGADAAN BARANG DAN JASA 166 PHOTO EDITING
167 PRESENTATION SKILL/EFFECTIVE PRESENTATION SKILL 168 PRODUCT KNOWLEDGE BJB PRECIOUS
169 PRODUCT KNOWLEDGE REKSADANA
170 PROFESSIONAL REPORT AND WRITING TECHNIQUE 171 PROFESSIONAL SECRETARY
172 PROGRAM PENGEMBANGAN KOMPETENSI 173 PROGRAM PRA PENSIUN
174 PROJECT MANAGEMENT ANALYSIS 175 PSAK AKUNTANSI BANK
176 PUBLIC SPEAKING
177 REFRESHMENT MANAJEMEN RISIKO RISK MANAGEMENT 178 REFRESMENT ANALISA KOMERSIAL
179 RELATIONSHIP OFFICER KOMERSIAL
Pengembangan Sumber Daya Manusia
152
Laporan Keberlanjutan 2016Tentang Laporan Ini About this Report
Tentang bank bjb About bank bjb
Pelibatan Pemangku Kepentingan Stakeholders Involvement
Tata Kelola Berkelanjutan Sustainable Governance
NO PELATIHAN YANG DILAKSANAKAN OLEH KARYAWAN| TRAININGS HELD BY EMPLOYEES 180 RELATIONSHIP OFFICER KOMERSIAL LANJUTAN
181 RELATIONSHIP OFFICER KPR/RO KPR 182 RENCANA BISNIS BANK (RBB) 183 RISIKO KREDIT BANK/CREDIT RISK 184 RISIKO OPERASIONAL BANK 185 RISIKO REPUTASI/REPUTATION RISK 186 RISK BASED AUDIT ON TI
187 RISK MANAGEMENT FOR OFFICER
188 RISK MANAGEMENT/MANAJEMEN RISIKO (BUKAN SERTIFIKASI /REFRESHMENT/PELATIHAN SERTIFIKASI) 189 SALES PRESENTATION SKILL
190 SECURITY MANAGER
191 SERTIFIKASI ASSESOR/ASSESSOR CERTIFICATION 192 SERTIFIKASI AUDIT FORENSIK
193 SERTIFIKASI AUDIT INTERNAL / CIA (CERTIFIED INTERNAL AUDITOR) 194 SERTIFIKASI BIDANG KREDIT LEVEL 1
195 SERTIFIKASI DANA PENSIUN (DAPEN) 196 SERTIFIKASI DIREKTUR BPR
197 SERTIFIKASI K3 (KESELAMATAN DAN KESEHATAN KERJA) 198 SERTIFIKASI KEAGENAN ASURANSI
199 SERTIFIKASI KEPATUHAN LEVEL BASIC 200 SERTIFIKASI KEPATUHAN LEVEL INTERMEDIATE 201 SERTIFIKASI MANAJEMEN RISIKO LEVEL 1 202 SERTIFIKASI MANAJEMEN RISIKO LEVEL 2 203 SERTIFIKASI MANAJEMEN RISIKO LEVEL 3 204 SERTIFIKASI TREASURY DEALER LEVEL BASIC
205 SERTIFIKASI WAPERD (WAKIL AGEN PENJUAL REKSA DANA)
206 SERVICE EXCELLENT DAN STANDAR LAYANAN BANK BJB FRONTLINER 207 SERVICE EXCELLENT DAN STANDAR LAYANAN BANK BJB SUPERVISOR 208 SERVICE QUALITY ASSURANCE (QA)
209 SHARPENING AND OPTIMIZING THE ROLE OF BOD AND BOC 210 SISTEM AKUNTANSI DAN PELAPORAN BANK
211 SKNBI / KLIRING
212 SOFTWARE PROGRAMMING
213 STAFF DEVELOPMENT PROGRAM (SDP)
214 STANDAR LAYANAN DAN SERVICE EXCELLENT FOR PINKCP, MANAGER 215 STRATEGIC BUSINESS ANALYSIS
216 STRATEGIC MANAGEMENT
217 STRATEGIC PERFORMANCE MANAGEMENT 218 STRESS TEST MODEL
219 SUPERVISI KREDIT/CREDIT SUPERVISION 220 SWIFT
221 SWIFT/ISO 20022 222 TALENT MANAGEMENT 223 TANAH DAN TATA RUANG
224 TEKNIK PENGENDALIAN KECURANGAN DAN MEMBANGUN WHISTLEBLOWER SYSTEM (WBS) 225 TEKNOLOGI CHIP KARTU ATM (NSICCS)
153
Sustainability Report 2016
Kontribusi Ekonomi Dan Tanggung Jawab Produk Economy Contribution and Product Responsibility
Sosial Dan Masyarakat Social and Community
Lingkungan Environment
NO PELATIHAN YANG DILAKSANAKAN OLEH KARYAWAN| TRAININGS HELD BY EMPLOYEES 227 TRADE FINANCE FOR MANAGERS
228 TRADING TECHNIQUE 229 TRAINING NEED ANALISYS 230 TRAINING OF TRAINER (TOT) 231 TREASURY (TRISURI) FOR OPERATION 232 TREASURY AUDIT
233 TREASURY FOR CORPORATE
234 TREASURY INTERACTIVE PRICING AND TREASURY PRODUCT (TIP-FX) 235 TREND BISNIS INDUSTRI INFORMATION COMMUNICATION TECHNOLOGY 236 WINDOWS SERVER 2008