PT. Bank Sulut is ready for regional champion. The community pride Bank of North Sulawesi  is a step ahead among dozens of regional development agencies (BPD) in Indonesia. One of them is become a pioneer bank and the first bank to use the logo BPD Card. With this card, customers can improve investment efficiency, as well as to optimize interoperability, so that any BPD debit card can be used more widely on the network BPD Card. Together with BPD Card, All-Indonesia Regional Development Banks (BPDSI) establish a step towards regional champion, through a network of BPD debit Card. This network enables customers to use ATM cards as debit cards that function to the means of payment to the merchant network BPDSI with BPD Card logo. In addition to improving investment efficiency, BPD Card also optimize interoperability so that any BPD debit card can be used more widely on the network BPD Card. "We`ve started to expand its service base through cooperation BPD debit card network with PT Indonesia Smart Card (ISC) as the network provider system, debit and merchant card BPD," said President Director of PT Bank Sulut Jeff Wurangian via release. Asbanda executive director, Nazwar Nazir added. "This facility historical value is very high," he said after witnessing the signing Wurangian and Executive Director of ISC, Cok Kasenda. Nazwar assess BPD Bank Card North Sulawesi as a pioneer and became the first bank to use the logo BPD Card. Through this logo is expected to unify the spirit of the infrastructure for every member BPDSI. "With this partnership we are targeting will strengthen electronic banking service that we are preparing," said Wurangian. Banks that recently won an award from the Ministry of Cooperatives and Small and Medium Enterprises (Menkop & SMEs) because of the growth distribution of the People`s Business Credit (KUR) was rapid, it is hoped this step in applying the Bank of North Sulawesi can be followed by other BPDSI. "We expect the BPD united to become the host country itself. Follow the steps the Bank of North Sulawesi, "said Nazir Nazwar. Performance 2010 Previously Jeff Wurangian describes the performance of the Bank of North Sulawesi where net income grew 115.47% in 2010 compared to 2009. Another factor that contributed to keep the improved performance of the Bank is improving infrastructure and information technology that automatically increase the company`s fee-based income. The entire branch network is now integrated Sulut online, so customers can enjoy an SMS and Internet Banking service. We also worked with a number of banks to ATM services to provide convenience to customers, "he added Bank Sulut, whose on the 3rd of June will mark the 50th anniversary, during the period 2010 had distribute credit of Rp. 3.04 trillion or 36.03% growth compared to 2009 and could raise third party funds (TPF) of Rp. 2.09 trillion or 29.93% growth. He added that indicators of the company last year the ratio was still very good. Loan to Deposit Ratio (LDR) reached 86% Capital Adequacy Ratio (CAR) of 12.8% and non-performing loan (NPL) 0.98% Not only that, to win the competition in the banking market is increasingly tight, the Bank Sulut continue pursuing efficiency, so the company can continue to credit interest rate lowered to about 9.75% -12.5% ??from previous 18%. Way, among others, by enlarging the fund low-interest savings. Bank of North Sulawesi, said Wurangina, continues to expand its business into various areas. The Bank currently has 43 branch offices of North Sulawesi where 37 of them located in North Sulawesi and Gorontalo and the rest scattered in Java. "We are optimistic this can branch out to develop. Evidence, during 2010, six branches in Java is able to collect deposits amounting to Rp 900 billion, "said JW.