These are The Challenges Faced by the Banking Industry in the Future:https://ekonomi.kompas.com/read/2018/10/24/073000026/ini-tantangan-yang-dihadapi-industri-perbankan-ke-depan/24 October 2018
The banking industry has several challenges that must be faced by this industry going forward in terms of tightening liquidity. The Senior Economist of the Indonesia Stock Exchange (IDX) Poltak Hotradero said that one of them is the application of Basel III standards which will be implemented in 2019.
In the implementation of Basel III, the first to do is that banks should improve their financing and should be more selective so as not to interfere with the capital. Banks must improve management to channel funding to long-term tenors. In addition, banks must also prepare themselves to face the ASEAN free market. National banks must improve and enhance the performance, especially in terms of the structure of funding to be able to compete. The third challenge is the existence of competition in the net interest margin (NIM). In addition, challenges in terms of developing fee-based income, disruption and cost efficiency. The last is how to attract customers not through traditional methods, but through digital. Going forward is the existence of financial technology.
OJK: Banking performance will improve further in Q3-2024: https://www.antaranews.com/berita/4320239/ojk-kinerja-perbankan-akan-semakin-meningkat-di-triwulan-iii-2024/9 September 2024
The Financial Services Authority (OJK) has conducted the OJK Banking Business Orientation Survey (SBPO) for Q3-2024 involving 93 respondent banks, the results of which show that respondents are increasingly optimistic that banking performance will improve in Q3-2024. "Based on June 2024 data, the portion of assets of the 93 banks reached 90.78 percent of the total assets of general banks," said Head of the Literacy, Financial Inclusion and Communication Department of OJK Aman Santosa in Jakarta, Monday.
Aman said that banking optimism was reflected in the Banking Business Orientation Index (IBP) in Q3-2024 which was recorded at 68 (optimistic zone). This optimism was driven by expectations of improving macroeconomic conditions, continued improvement in banking intermediation functions accompanied by banking's ability to manage the risks faced despite less conducive global macroeconomic conditions
Public, Savings and Development Bank in Indonesia
Indonesia Industry Report and Market Research
October 25, 2024
Industry Code : K81112
Forecast to : 2028
Definition
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.
Activities
The primary activities of firms in this industry are:
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Deposits, such as; current account, time deposits, certificates of deposit.
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Corporate banking, such as: corporate loans, loans syndication trade finance, project finance, bank advances and guarantees.
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Investment Banking, such as commercial papers programs.
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Treasury and International Banking, such as; Foreign Exchange Transactions, Correspondent Banking.
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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.
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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).
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.