In order to support the achievement of positive and productive performance, any employee of Bank Bumi Arta must work under the working ethos "WARM" as follows :

Welcome OUR Customers

Every time we meet with customers and co-workers, we must behave politely, polite and heartfelt that greeted them with a smile, make eye contact, greetings, using the name if we already know and always proactive in offering assistance.

Acknowledge OUR Customer Needs

Every customer and co-workers have different needs, therefore we must know their specific needs. communicate well and anticipate their every need to control the entire knowledge of products, services and work processes in the Bank Bumi Arta. In addition, provide options and alternatives to fit their needs.

Solve OUR Customer Problems

Every customer and fellow co-workers often have the problem that we have to help solve them. For every problem that needs help, we should ask him to clarify the problems, took over, finishing and making sure that we provide appropriate solutions to the existing problems.

Make OUR Customers Satisfy

Make sure every service that we provide to customers and co-workers to satisfy them by always doing something unusual with remarkable way and provide services that exceed their expectations.