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OJK : Financial Condition and Indonesian Banking Quite Stable,, 28 August 2014

Indonesia's financial condition is still considered to be good and stable enough by the Financial Services Authority (OJK). Related banking performance, until August 2014 still looks stable. Although relatively tight liquidity conditions, the resilience of the banking liquidity seen from the development of the interbank money market transactions (interbank) still awake well reflected in the interest rates that are still relatively uniform and stable both based BOOKS and Ownership.
Tight Bank Competition :, 14 July 2013

Based on the results of a 2013 survey of Indonesian banks from PricewaterhouseCoopers Indonesia, the level of competition among banks in 2013 will be more stringent. Optimism bankers banking related growth could reach double digits this year is not without obstacles.

According to the survey of PricewaterhouseCoopers (PwC) at the end of April, there are three major challenges facing the growth target ready. The third challenge is no different than last year but there is a shift. In 2012, the competition among banks is in the third position in 2013 is in the second position. Regulatory issues remain ranked first and Human Resources (HR) was third. In addition, the issue of credit risk is still considered problematic also be a threat.

Therefore, the bankers are actively follow the development of the existing regulations. Understandably, the regulation is still the center of attention of the bankers in Indonesia, especially related to multiple licensing policy (22%). Followed by other policies such as property rights (18%), small and medium enterprise lending requirements / SMEs (16%), capital adequacy ratio (CAR), equivalent maintained capital assets / CEMA (14%), as well as the requirements for opening branch (13%).

Operational risk, credit, and liquidity risk factor is still the top three since 2011. be the top operational risk than others by 25%. Followed by credit risk (22%) and liquidity risk (20%). The high operational risk due to the lack of qualified human resources and technological systems. Not surprisingly, many bank employees who were not of school banking. As a result, the bank had to pay extra because they have to train them.

The quality of human resources is a challenge that ranks third this year. Competition among banks require the bankers to be prepared to compete with other banks. According to PwC Partner Joseph Wibisana, increasing competition in the bank that there is a "force" the bankers to provide services and facilities to customers (subscribers). That way, customers also benefited from the availability of such facilities. Despite the many challenges of banking in Indonesia, this has not lessened the bankers, especially foreigners, for expansion in Indonesia.

"The banking industry in Indonesia is very challenging but also favorable," said Technical Advisory PwC Benson Cheng to NEWSPAPER SINDOkemarin. The lack of availability of qualified human resources in the banking became one of the obstacles in the expansion of branch network. According to the survey, experienced experts in the credit and is the rarest of information technology for the banking sector.

He added, if the banker wants to expand and invest in infrastructure, human resources, and technology, meaning they see the potential banking market in Indonesia as a big business. In general, the bankers are aware that banks will grow significantly. According to the Economic Observer Yuswohady, in terms of the local players, the biggest challenge of competition coming from foreign banks. Moreover, foreign banks have the power over local banks in terms of capital, human resources, management, and technology.

Since the last five years a wave of local banks by foreign purchases. From the side of local players, if this acquisition goes on, then the local banks that are small will be eliminated so that there is no other choice but to sell. "Banks are the biggest asset of this country if the controlled foreign parties can be dangerous, said Yuswohady to NEWSPAPER SINDO yesterday. Domestic banking profits over the past five years is remarkable. Every closed book, which incidentally shareholders stranger would take the profit.

Therefore, the current account deficit as one of Indonesia is the largest component of profit companies in Indonesia with the ownership of foreigners. The bank's business in Indonesia is being hot because the majority of Indonesian people are middle class. This makes Indonesia as a major market for them, obviously Yuswohady.

Swift foreign domination in local banks also influenced government regulation that is not measurable and systematic. This is because the regulation in Indonesia does not have a clear strategy and prioritize group interests than the national interest, he said.

Public, Savings and Development Bank in Indonesia
Indonesia Industry Report and Market Research
March 21, 2018
Industry Code : K81112
Forecast to : 2022

Public, Savings and Development Bank in Indonesia This Class consists of units recognised mainly engaged in banking activities with government authority and rights to issue and circulate official currency, establish policies for banking operations, manage foreign exchange reserves, guard and preserve the stability. Gathering of people's funds in the form of postal money transfers, deposits and saving and redistributing funds in the form of providing credit. Receive money in the form of savings and deposits and provide small scale, short- term credit to people.
The primary activities of firms in this industry are:
- Deposits, such as; current account, time deposits, certificates of deposit.
- Corporate banking, such as: corporate loans, loans syndication trade finance, project finance, bank advances and guarantees.
- Investment Banking, such as commercial papers programs.
- Treasury and International Banking, such as; Foreign Exchange Transactions, Correspondent Banking.
- Retail Banking, such as; small business loans, working capital loans, revolving working capital loans, project feasibility loans mortgage financing for business, car loans for businesses.
- Consumer Banking, such as; mortgage financing for car loans for individuals, loans for business professionals, employee's welfare loans, credit cards and ATM (Automatic Teller Machine).
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Chapter Headings US $ Select All
Industry Outlook 60.50
Key Statistics 60.50
Market Characteristics 36.30
Segmentation 36.30
Industry Conditions 60.50
Industry Performance 60.50
Key Competitors 60.50
Key Factors 27.50
CAR of Banking Industry Continues to Rise 0.39
Fitch 0.39
Islamic banking industry needs 40 000 of Human resource 0.39
BNI's Net Profit Increases by 103 Percent in 2009 0.39
BRI Shares Rp.2.085 trillion in Dividends 0.39
PT SMF and BTN Establish Co-operation 0.39
Bank Saudara Shares Sold at Rp.110 - Rp.140 0.39
Stanchart & Astra Holds Majority of Permata's Shares 0.39
Bank Niaga 0.39
Bank Sumut Books Rp.81.1 Billion Profit 0.39
Bank DKI Intensively Collects City Bus Operator Credit 0.39
Rabobank Denies Acquisition of PJN 0.39
BTPN Set to Go Public This Year to Strengthen Network Expansion 0.39
Bukopin Aims at 20 Percent Consumer Credit 0.39
BPD Kaltim Ready to Aid Yogya 0.39
Pefindo Gives Bank Jabar A- Rating 0.39
Bank Commonwealth Opens 19th Branch in Kelapa Gading 0.39
Bank Sumut Yet to Share Dividends 0.39
Bank Nagari Becomes Limited Company 0.39
BTN Targets to Acquire Bond Fund by August 0.39
Bank DKI Becomes Mediator for Monorail Project Funding 0.39
Commonwealth Opens Sharia Business 0.39
BPD Intends to Join ATMs 0.39
General Banks Requested to Guarantee Co-operation with BPR 0.39
Bank Sumsel to Increase Capital by Rp.55 Billion 0.39
Bank DKI Prepared to Fund Rp.70 Billion for Transjakarta Project 0.39
Bank Bumiputera Loses Rp.48.104 Billion 0.39
BNP Books Rp.28 Billion Net Profit 0.39
Bank NISP Gives Award for Best Service 0.39
BNI Reports 54 Percent Drop in Profit 0.39
Mandiri's 2005 Profit Fell 89 Percent on Bad Loan Surge 0.39
Panin Bank Gets US$ 20 Million Loan 0.39
BNI Manages Environmental Soft Credit US$ 20 Million 0.39
Pefindo Determines Bank Mandiri's Level 0.39
Bank Niaga Cooperates with Astra Agro Lestari 0.39
NISP Sees Higher Interest Income 0.39
Bank Bumiputera Aims At 20 Percent Credit Growth 0.39
Bank Mega's Rights Issue to Pursue 14 Percent CAR 0.39
HSBC Sponsors Indonesia Open Golf Tournament 0.39
Danamon Takes Over American Express Credit Card 0.39
Bank Funds Ship Rp.1.7 Trillion 0.39
BTPN to Release 30 Percent of its Shares 0.39
BNP Increases Savings 0.39
Bank Century Will Add Rp.500 Billion Capital 0.39
Bank Victoria Reforms Management Again 0.39
Banten Suggests Name Change for Bank Jabar 0.39
BSM Aims at 31 Percent Syariah Market 0.39
Niaga and Manulife Collaborates to Market Unit-linked Product 0.39
22.6 Percent Growth in Banking Credit 2005 0.39
Bank Bukopin Increases Bank Persyarikatanís Capital 0.39
BMIís Rp. 200 Billion Partnership 0.39
Bank Bumiputeraís Profits Drop by 77 Percent 0.39
3 Investors Set Sights on Bank Agroniaga 0.39
BRI Provides Credit for Seaweed Cultivation 0.39
Bank HS Offers Shares in October 0.39
Bank IFI Trains Small and Medium Business Entrepreneurs 0.39
HSBC and AIU Work on Corporate Clients 0.39
Bank Nagari Opens Syariah Unit in July 0.39
Bank Mega Prepares Corporate Acts Rp.1.5 Trillion 0.39
Bank Sumutís Credit Climbs by 32 Percent 0.39
Niaga Adds Branch in Banjarmasin 0.39
Bank Sumutís Share Purchase was on Schedule 0.39
BRI Re-evaluates UFJ Finance Purchase 0.39
BNI US$ 300 Million Subdebt Issued March 0.39
Lippo Invests in Philippine Bank 0.39
Bank Bukopin Sets Conservative Target 0.39
Bank Sumut Aims for Credit to Grow by 35 Percent 0.39
Mandiri's Credit Micro Rp. 735 Billion 0.39
Bank Sumut Pursues Rp.140 Billion Profit Target 0.39
7 Foreign Banks Fund BEI US$ 75 Million 0.39
BRI Aids Bima Darma University 0.39
BRI Minimizes Interest Margin 0.39
Bank Bumiputera Adds Clients 0.39
Bank Niaga Expands Credit 20 Percent 0.39
Danamon Sells Shares 0.39
Mandiri Aims at Small Banks 0.39
Bank Mega Sets Price High 0.39
Mandiri Set For 2nd BOD Reshuffle in 7 Months 0.39
BSM Strengthens Micro Credit 0.39
Bank Mandiri's Board of Directors Re-Shuffled 0.39
BNI Opens Facility for Executives in Airport 0.39
BNI Advised to Settle Non-Performing Loan 0.39
Court Wins Against CIC 0.39
BCA Buys Back To Increase Capital Structure 0.39
Bank Niaga Sells Subsidiary 0.39
BCA Buys Back Stock Starting December 0.39
Metland Builds Bank Employee Housing 0.39
Bank Permata Profit Plummets 0.39
Foreign Investors Make Offer for Bank Mega 0.39
The Regional Development Bank of Bali Co-operates with PT Kejar 0.39
BRI and Mandiri for Sale 0.39
Foreign Investors Buys Most of BCA's Shares 0.39
Bank DBS Indonesia Co-operates with MLC Life Indonesia to Launch Dollar Protection Plus 0.39
Bank Jabar Increases Third Party Interest 0.39
Islamic-law-based Banks Raise Profit Sharing Ratio 0.39
BSMís Profit Per July Reaches Rp.104 Billion 0.39
Syariah Banks are Unaffected by BIís Rate Increase 0.39
REI to Decide on BTN's Fate 0.39
Bank Nagari Co-operates with 44 BPRs 0.39
BSM Replaces IPO with Bond Emission 0.39
Bank Jateng Distributes Rp. 200 Billion in Small-scale Credits 0.39
BSM Prepares Bond Emission 0.39
Bank Maspion Receives Award 2005 0.39
Bank Century to Form Syariah Banking Unit in 2005 0.39

Report Content

The Public, Savings and Development Bank industry in Indonesia research report contain trend analysis, statistics, market size information, industry growth rates as well as major competitors.

Major market segments are identified and also those forces affecting demand and supply within this industry. Performance analysis includes emerging industry trends as well as recent results and performance of each key company. Drawing on the depth of information DIS also provides 5 year forecasts for this industry.

The comprehensive study also examines details such as the barriers to entry, operating cost structure, technology & systems and domestic & international markets. Tables and statistics include: Industry revenue, exports, imports, wages and number of companies in the industry, Industry growth and geographic regional data.

KEY STATISTICS 2014 2015 2016 2017 2018
Industry Revenue 107,942 104,367 131,689 158,085 169,151 Rp.Billion
Industry Gross Product 7,016 6,784 8,560 10,276 10,995 Rp.Billion
Number of Establishments 110 120 130 130 130 Units
Employment 109,600 101,200 85 81,000 85,400 Units
Exports 2,856 3,457 6,481 6,521 7,820 Rp.Billion
Imports 10,926 10,899 25,482 30,419 35,880 Rp.Billion
Total Wages 1,425 1,316 1,114 1,010 1,109 Rp.Billion
Domestic Demand 116,012 111,809 150,690 181,983 197,211 Rp.Billion
The data above is sample data only

Cost of Goods Sold 67.13 Gross Profit 32.87
Operating Expense 21.5 Profit (Loss) Before Tax 11.36
Administration 1.58 Depreciation 0.56
Electricity 0.66 Freight 1.99
Fuel, Parking, Toll & Retribution 1.62 Interest 3.09
Land and Building Rental 2.74 Marketing 2.69
Repairs and Maintenance 0.54 Service Fee 0.7
Staff Welfare Allowance 1.38 Other Expenses 0.92
Stationery & Inventory 0.48 Telephone 0.8
Utensils and Equipment 1.24 Wages and Salaries 0.5
The data above is sample data only

Central Java 13.4 DKI Jakarta 6.5
East Java 22.4 North Sumatra 17.9
Papua 2.0 Bali 3.0
South Sulawesi 6.0 West Java 28.8
The data above is sample data only
Price 500.007.750.000
Payment Method
Credit Card
Bank Transfer in US$
Bank Transfer in RP
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Table of Contents
About this Report
Key Statistics
Market Characteristics
Industry Conditions
Key Factors
Key Competitors
Industry Performance