Building Na�onal Training Programs based on the Future Training Needs
The Indonesia Case on Banking Industry
Prof. Richardus Eko Indrajit Execu�ve Director of Perbanas
INDONESIAN BANKS ASSOCIATION
The Needs of Training and Banking Educa�on
Banking and finance industry is the life blood of na�onal’s economy
It is a trust and service based business where people and knowledge are the most valuable assets of the ins�tu�on
The quality of human resources is the key of success for the corpora�on in today’s global era
Training to enhance human capital management and empowerment performance should be well established by all related par�es/stakeholders
The Na�onal Training Program for Banking Sector
Na�onal means coveraging all spectrum of needs within the na�on (triggered by globalisa�on)
Na�onal means – enforcing and empowering by government or public ins�tu�ons (top down compliance approach); or
– ini�a�ng and enabling by communi�es at large (bo�om up ini�a�ve approach)
Na�onal means delivering the impact significantly to the micro and macro environment at large
About the Characteris�cs of Future
Globalisa�on and Regionalisa�on: open and interdependent in economy, trade, marke�ng needs governance, trea�es, and collabora�ons
Personalisa�on and Collabora�on: the need of mass customisa�on to enjoy unique products and services drive the change on managing individuals, employees, and customers
Complexity vs. Simplicity: everything becomes more complex while people are looking for simple solu�on that make the integra�on should be done seamlessly
Adaptability and Sustainability: the rapid change in all aspects of life challenge every individual and organisa�on to be able to con�nue doing anything a long �me without burdeing future genera�ons
New Technology and Tools: the use of technology as a part of people lifestyle force people and organisa�on to change the way they think, act, and behave
Indonesia Principles on Talent Development
Formal Educa�on – Schools (K-‐12): from “Ayo ke Bank” to “Ayo Bekerja di Bank” – Colleges and Universi�es: through academic, voca�onal, and profession approach of educa�on
Non-‐Formal Educa�on – Training Center: conducted by both public and private sectors from na�onal, regional, or interna�onal ins�tu�ons
– Communi�es Program: such as associa�ons (Perbanas, Asbanda, Himbara, Perbarindo, Asbisindo, dan FBAI), forum, task force, NGOs, etc.
Informal Educa�on – Family: responsible for a�tudes and all basic life skills; – Work Place: sharpening the so� skills, leaderships, and communica�on skills; – Society: enforcing the needs of ethics and social skills
Generic Learning Framework in Banking Academy
Banking Educa�onal System SEMINAR – TRAINING – WORKSHOP -‐ PRACTICES
Graduates
with Knowledge
Competencies Skills Degree Diploma License
Cer�fica�on Profession
Par�cipants from
Banking Sector
People Process Tools
Teachers Researchers Prac��oners Scholars Instructors Regulators Businessman
Classical Prac�ces Internship E-‐Learning CxO Forum Cer�fica�on Case Study
Laboratory Sim-‐Room Mini Bank Virtual Class Toolkit
Methodology Real World
Training Types and Par�cipant Category
Staffs Administrators
Manager Supervisor
Vice President General Manager
Directors Senior Management CxO
VP
Mgr Mgr
Staff Staff
GM
Sup
Admin
Conference Seminars Study Tour
Execu�ve Development Program
Managerial Trainings
Group Workshops
Training Goal: What is considered as a Good Banker ?
Voca�onal
Professional
Academic
KNOWLEDGE Logic Economy Math Finance Risk etc.
SKILLS Marke�ng Nego�a�on Decision Communica�on Supervisory etc.
ATTITUDE Leadership Ethics Prudent Open-‐Minded Integrity etc.
Competence-‐Based Curriculum: the Complete Set of Personali�es
Psycho-‐ Motoric
Affec�ve
Cogni�ve
I should be SMART I should be CAPABLE
I should be TRUSTWORTHY
Body of Knowledge #1: Product Based Courses
Asset Management
Por�olio Management
Asset Alloca�on
Equi�es Sales Brokerage
IPO Access
External Investment Funds
Internal Investment Funds
Deriva�ves/Asset Mone�sa�on
Structured Investments
Hedge Funds
Private Equity
Capital Protected Products
Tax Efficient Products
Sophis�cated Investor Products
Structured Transac�ons
Financial Planning
Tax Strategies
Estate Planning
Re�rement/Pension Planning
Self Managed Super Funds
Investment Structures
Bank Services
Branch Banking
Credit
Transac�on Management
Interest Rate and FX Risk Management
Cash and Fixed Interest Rate Products
Foreign Currency Accounts
Internet Banking
Por�olio Administra�on
Economic Research
Equity Research
Interna�onal Rates and FX Research
Corporate Advisory
Real Estate Advisory
Art Advisory
Other Services
Reference: AAFM and WMA
Body of Knowledge #2: Process Based Courses
Payments
Reconcilia�ons
Authoriza�ons
Billing
Se�lements
Customer Account
Deposits
Collec�ons and Recovery
Financial Capture
Valua�ons
Customer Profile
Applica�on Processing
Product Processing
Statements
Alliance SLA Admin
Opera�ons Admin
Acquisi�on Admin
Collateral Handling
Document Management Servicing Management Retail Por�olio Admin
Custody Admin
Confirma�ons Contract Notes
Product Tracking
Wireroom Networking Trading Front Office
Trading Back Office
Contact Event History
Product Development Product Management Produc�ons and Opera�ons
Product Directory
Marke�ng
Inventory Management Securi�es Market Analysis
Retail Lending
Retail Securi�es
Rewards Management
Por�olio Trading
Merchant Opera�ons
Fund Management
OTC Services
Sales
Bank Teller Services
Correspondence
Financials Consolida�on Campaign Execu�on Adver�sing Campaigns Sales Administra�on In-‐Bound Call Center Customer Contact Handler
Case Handling
Rela�onship Management
Dialogue Handler
Applica�ons
Channel Management Branch Administra�on
Smart Rou�ng
Credit Management
Financial Control
Risk Management
Treasury
Asset and Liability
Securi�za�on
Loan Syndica�on
Branch Cash Inventory
Customer Credit
Business Policy
Audit/Assurance/Legal
Finance Policies
Accoun�ng GL
Customer Accoun�ng
Consilidated Book
Corporate Governance
Segment Analysis
Customer Behavior
Market Research
Customer Analysis Merger and Acquisi�on Customer Services Business Resource Planning Alliance and Authority Business Architecture Fixed Asset Register Business Unit Tracking Sales Planning Informa�on Technology Human Resource Management System Development Facili�es Opera�on Branch Network Opera�on Produc�on Assurance
Insight and Infrastructure
Risk and Financial Management Distribu�on Processing Management Development
Reference: IBM Services
Examples of the Today’s Needs of Training in Banking
IBI and Perbanas Ins�tute Risk Management Wealth Management Good Corporate Governance
General Banking Credit Management Banking Opera�onal Funding and Services Internal Audit Treasury Dealer Informa�on Technology
Ins�tute of Banking Studies Audit Banking Laws Banking Opera�ons Credit Management Informa�on Technology Management and Self Development
Marke�ng and Business Development
Treasury Opera�ons and Investments
Set of So� Skill and A�tude Based Courses
Business Management
Performance Management
Human Resources
Team Building
Leaderships
Supervision Customer Service
Communica�on
Sales Skills
Inter Personal
Personal Development
Intra Personal
So� Skills Por�olio for Banking and Finance Sector
Financial and Accoun�ng Basic Organisa�on Management Ethics and Legal Perspec�ve
Managing Virtual Office
Good Corporate Governance
Business Plan and Execu�on Customers Rela�onship Management
Entrepreneurship
Innova�on Development Sales and Marke�ng
Management Human Resource Management
Strategic Alliance Management
Basic Asser�veness
Delega�on Skill
Team Building
Mo�va�ng People
Problem Solving
Change Management
Coaching and Counseling
Conflict Management
Project Management
Basic Communica�on
Presenta�on Skill
Nego�a�on
Internet Discourse
Mee�ng Management
Inter Cultural Communica�on
Non Verbal Communica�on
Group Communica�on
Public and Mass Communica�on
Marke�ng and Public Rela�ons
Reading and Wri�ng Management
Managing Personal Goals
Time Management
Self Program Management
Stress and Anger Management
Confidence Building
Self Learning Development
Mul�-‐Intelligence Development
Lateral and Crea�ve Thinking
Holis�c Thinking and Ac�on Learning
LEADERSHIP COMMUNICATION BUSINESS AND MANAGEMENT
PERSONAL DEVELOPMENT SOCIAL SKILLS
Mul� Cultural Interac�on
Social Ethics
Social Discourses Management
Media and Interac�on
Corporate Social Responsibili�es
Na�on and State Building
Life and Environmental Care
Globalisa�on
Poli�cal Dynamic
Linkage between Formal and Non-‐Formal/Informal Educa�on
UNIVERSITY
Courses
Laboratory Work
Academic Papers
Research
Awards
Seminars
Supervisory Assignment
Cita�on Counts
Invited Presenta�on
Faculty Serving
INDUSTRY
Internships
Case Study Assignment Project
Par�cipa�on
Cer�fica�on
Professional License
Workshops Par�cipa�on
Consul�ng Work
Intellectual Capitals Training
Instructors Conference Speakers
SOCIETY
Social Work/Project
Commi�ee Chairing
Community Development
Organisa�on Par�cipa�on
Knowledge Sharing
Products and/or Services Delivery
Resource Leverage and U�lisa�on
SELF DEVELOPMENT
E-‐Learning or CBT
Competencies and Skills
Enhancement
Published Books
Knowledge Society Memberships
Seminar or Workshop A�endance
Non-‐Formal Study Accomplishment
OTHERS
Media Coverage
Na�onal Assignment
Apprecia�on Le�er
Special Public Recogni�on
Prominent Resource Person
Indonesia’s Na�onal Cer�fica�on System
BNSP Na�onal Board of Professional Cer�fica�on
LSP-‐Perbankan Professional Cer�fica�on Ins�tu�on for Banking
TUK Test Center
give license
appoint
Bankers Professionals
take a test
cer�fy
IBI Bankers Associa�on
Courses/ Cer�fica�ons Body of Knowledge
determine
used by
recognize
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