INDONESIAN BANKING 2013 SYSTEM PERSPECTIVE
Yudy Yunardy
Market Pool Indonesia
Total 120 banks by their types
• BUMN (Government owned banks) : 5
• Commercial Banks : 55
• BPD (Regional banks) : 26
• Joint venture Banks : 14
• Foreign Banks : 9
• Sharia Banks : 11
• Sharia Business Unit : 16
• BPR (Rural banks) : 1,683
Market Pool Indonesia
Book 4 (>USD3Bio)
1. BRI
2. Bank Mandiri
3. Bank Negara Indonesia
4. Bank Central Asia
Book 3 (USD0.5-3Bio)
1. Bank BTPN
2. Bank CIMB Niaga
3. Bank Tabungan Negara
4. Permata Bank
5. Bank OCBC NISP
Book 2 (USD100-500Mio)
1. Bank BPD Bali
2. Bank Jateng
3. Bank Mestika
4. Bank Syariah Mandiri
5. Bank Muamalat
Book 1 (<USD100Mio)
1. Bank Bengkulu
2. Bank Sulut
3. Bank Mega Syariah
4. Panin Bank Syariah
5. Bank Bumi Arta
Infobank Magazine, “Rating 120 bank di Indonesia 2013”
Indonesia Banking Survey 2013
Network expansion across the country
PricewaterhouseCoopers, “Indonesian Banking Survey 2013”
Indonesia Banking Survey 2013
Challenge for effective network expansion
PricewaterhouseCoopers, “Indonesian Banking Survey 2013”
Indonesia Banking Survey 2013
Priorities for channel initiatives
PricewaterhouseCoopers, “Indonesian Banking Survey 2013”
Common system structure
Core-
banking
Treasury system
Trade Finance
system
Risk Management
system
Account origination
system
Helpdesk system
Internet banking
ATM system
Mobile banking
Datawarehouse
system
Common system structure
Datawarehouse
system Query system
Reporting system Regulatory reporting
Regional reporting
Common system structure
Account origination
system Booking system
Incentive system
Performance system
Performance system
Common system structure
Ticketing system
Forums
ASD system
Helpdesk system
Common software needs
• Booking/ticket system : treasury, trade finance, helpdesk, call
center
• Query/report system : regulatory (regional/local),
incentive/performance
• Channel delivery : mobile banking, internet banking
• Parsing (bridging between systems)
• Upgrades/complements (improvements over existing systems)
Current solutions
• Core-banking : Flexcube, Finnacle, AS/400
• Supporting systems : Banktrade, TI Plus, Object Trade Line
• Booking system : Kondor+, Reuters
• Channel delivery : BCA mBanking, Permatamobile, CIMB GO
MOBILE, BRI Mobile, BNI SMS Banking (Android/iOS/
Blackberry, mostly SMS jacket app)
• Datawarehouse : IBM Infosphere, Oracle Exadata, Teradata
• Internet Banking : Permatanet, KlikBCA, CommAccess (mostly
developed in-house)
Thank You
