Wednesday, May 6, 2009

A NEW SEASON IN AMBANK

At this moment, our country are having a strange season, sometimes it rain, sometimes it is very hot, and sometimes just a drip fall onto the soil and gone within second.
This is what we call changes in the weather.
At Ambank, there are some changes happen within the organization. Branches getting smaller, staff relocated, some even got MSS, jobs become variable, sales become more prioritized than services and many more. I am also relocated to .........

I wonder, Mr Brad, why must we downsize the branch if we want to achieve more sales, shouldn't we instead of downsizing the branch by reducing staff and relocate them to other places, we reorganize the staff, educate them more about products, more training to let the staff comprehend all the products in order for them to make others comprehend it also?

Everybody can make sales, but can the bank manage the customers?. Haven't you heard that most sales are make, failed to achieve the target because customers felt that they are only profit making object rather than individuals that must be given good service. Example, one of the customers that I met said that he applied a housing loan from Ambank, only to be neglected for many month. He the applied loans from other bank and got approval within a weeks. Only then, one of our wonderful staff call the customer to attend him regarding the loan application. When the customers mentioned that he already had his loan approved from other bank, our staff have the nerve asking the customers to send the approval letter, without apologizing for the delays processing his application, mentioned that he would send the approval to be review by the bank committee and requested that the customer to cancel his loan with other bank. If you, in the customer shoes, would you dare to do as what our wonderful staff asked the customer to do?.

This is what our new AmBank produce a product that would surely work. A stupid staff with a stupid behavior. Who is the customers you might asked?. He is one of my very good friend, and now become further just because this incident. I have promised him that AmBank would give him a good services, based on the products introduced by the bank recognized and some even got awards. My friend believe in me and took my advice, since I have been with the bank so many years. But, thank you AmBank for you have make me lose my best friends. Don't bother to look for the stupid staff, nobody would admit their mistakes, as what the new AmBank taught them to do. Do not think that the traditional way of banking is bad for business as some bank proves that the traditional way of banking can be mix with technologies so that services and product could be sold efficiently and create more profit in the long run.

Service with a smile a far more different than giving a service with a smile. Service with a smile only create only one person smiling, but giving a service with a smile would generate more people smiling with satisfaction.

A new season may have create some changes, but don't change drastically, always think that some changes might not suitable with us, maintain the old ways and at the same time make it suitable with the new ways.

Just remember, cars can be sold anytime, any amount; but without people to service it, nobody would buy it anymore.

Do you dare to the the risk..foolishly?

Monday, April 6, 2009

RESTAURANT STORY

Imagine that you are a customer, and asked for a simple dish. You got the dish you have ordered and eat it just like any body else in the restaurant. But, anyhow, you seem to notice that the waiter hold a wonderful dish in his hand. You want to taste the dish, but too scare. Not because it is a fancy restaurant that may cost you costly, nor the credit card you have might been declined, or anything else like that. It is mainly because the face of the waiter and waitress that hold the dish that caused your appetite to enjoy the meal gone within second. Some show their anger, some show tears and sadness, some are worst than the others. no feeling at all. And then you wonder, how does this restaurant keep going, not so fast, not so slow, but not so good either. You take a good look around and ask people around., Then you know, the restaurant are too stingy to their workers, declining their profit to their lowest workers, only benefiting some who lick their bosses ass, no bonus and increment even no mistakes, extremely no bonus and increment if done any mistakes, benefit that are taken little by little, and many more. Should you as a customers, do you still want to come to this restaurant.
Imagine that this Ambank, you as a customer come into the bank and notice there is long tape on the teller mouth forcing them to smile, promoting products, only to benefit a few; do you dare to take one more step?
Always, think in somebody shoes once in a while, many did and succeed, but for Ambank, never in their life.......

Thursday, March 26, 2009

HOW TO TEACH A FISH TO SWIM

Well, I don't really know how to teach fishes to swim, or birds to fly or anything like that. But, we may ask from the palace of our Ambank high management staff, how to do that because from my understanding, only the impossible can the do the impossible.

First of all, I am not a coward because leaving my blog just like that. But, at that point of time, I have to save marriage that almost collapse because I am so stressed up about my job. Yes, I have to do multiple jobs, no thanks to the company in order to support my family. Maybe just because I am seldom at home, my most understanding wife assumed that I am having an affair outside the house. Everybody have their limit's, and my wife are not excluded from this. I have to comfort her every night and day, not to mentioned showing her proof that I have done many jobs just to say that I love my family and not to be destroyed just because certain parties ambition.

Back to the title, I heard that some of my friend which under PIP had to attend certain courses in order for them to improve their daily routine jobs. Why? Well, I don't really know. Most of them have done the same routine just like their office mate, same job, same order..etc. But, due to certain parties that so ambitious sucking up the higher management, they are put under a programm that denying them to receive any bonuses or increment as long as they still in the programm.

So, why the hell the higher management asking them to attend the training if they already knew that these staff need not to be train anymore? Well, my friend, they simply don't care. If this method's if the only way to avoid any payment to their staff, they would do it even it would kill their staff and their family. You lose one, you can take another contract workers. Cheaper, faster, economical. But....don't these training incurred some cost?.

During this period of time, our higher management would declare a new decree:-

1) No bonuses because we lack of profit
2) No increment because we have no profit
3) No nothing because we don't care about you; take your salary or resign

Maybe I am too exaggerate, but it may happen

I always wonder, what kind of qualification does those who sit above us have?. Don't they know economy at all or they flunk those subject at school and now took their revenge to the little people in this company.

Don't they know by denying any bonuses or increment, it would effect the bank indirectly. Imagine, one staff only earn his monthly wages. No increment, incentives or anything. The staff have to do a tight budget due to high cost of groceries. Some product might be bought, some product might have not. Imagine the supplier of the product which have not been bought, their cost are higher than their income.
Imagine, they have to cut their workers salary, even worse sacking them. Imagine that this workers are about 1000 people. Imagine that these workers have intention to do banking with Ambank ( saving, current account, fixed deposit .....) but just because their salary are cuts and they are sacked, they cannot do that anymore.
Imagine now who are the real loser?.

Imagine, just because some idiot who think they can cut cost and earn more profits for the company, instead they create more loses for the company than ever before.

Just imagine.....