The bachelor and master degrees that you have earned today are the equipment of you all to enter the new world. After being equipped with knowledge in banking and finance in this STIE IBS campus, now it is the time of you to create value.
I always remember Einstein’s words, “Try not to become a man of success, but rather try to become a man of value.”  19. Hopefully, our good intention to build a nation and state through the development of banking human resources and financial sector that has quality and integrity always be blessed by Allah SWT, the God Almighty. Thank you. Wassalamualaikum Wr. Wb.