DBS dan GO-JEK umumkan kemitraan

DBS dan GOJEK umumkan kemitraan strategis tingkat regional menjelang kehadiran GOJEK di Singapura

Bank DBS dan GO-JEK hari ini mengumumkan kemitraan strategis tingkat regional antara kedua belah pihak. Melalui kemitraan ini, kedua perusahaan akan bekerja sama dalam layanan pembayaran menjelang kehadiran GO-JEK di Singapura. Kemitraan tersebut juga akan segera menjangkau negara-negara lain di kawasan Asia Tenggara.

GO-JEK—yang memiliki beberapa investor tingkat dunia termasuk Google, Temasek, Astra Internasional, Tencent, dan Meituan Dianping—akan meluncurkan aplikasi ride-hailing versi beta di Singapura dalam beberapa minggu mendatang. Sebagai bagian dari kemitraan ini, pelanggan DBS di Singapura akan mendapatkan beberapa kesempatan istimewa yang menarik.

“Sebagai penyedia jasa pembayaran terdepan di Singapura dengan lebih dari empat juta kartu debit/kredit aktif dan DBS PayLah! yang merupakan dompet seluler paling populer di negara ini, kami berkomitmen untuk menjadikan proses pembayaran agar lebih mudah, lancar, dan tanpa hambatan bagi nasabah kami,” kata Tan Su Shan, Group Head of Consumer Banking & Wealth Management, Bank DBS. “Untuk itu, kami bermitra dengan perusahaan-perusahaan yang bervisi sama, seperti GO-JEK sebagai salah satu perusahaan teknologi paling ikonik di Asia Tenggara, untuk membangun ekosistem digital yang inklusif bagi nasabah kami.”

Presiden GO-JEK, Andre Soelistyo, mengatakan: “Kemitraan ini merupakan langkah yang tepat karena GO-JEK dan DBS sama-sama memiliki komitmen kuat untuk memberikan pengalaman terbaik bagi konsumen. Dengan bermitra, kami dapat menjadi semakin kuat dalam usaha memberikan yang terbaik bagi para konsumen di Singapura.”

Dia menambahkan, “Kami sangat menantikan peluncuran versi beta layanan ride-hailing kami dalam beberapa minggu mendatang. Kami tahu bahwa konsumen sudah sangat menantikan hadirnya lebih banyak pilihan di sektor ini, dan kami percaya bahwa kami dapat memenuhi demand tersebut. Kami telah mendapatkan tanggapan yang luar biasa dari komunitas driver sejak kami membuka pra-pendaftaran. Kami yakin bahwa melalui kemitraan dengan DBS, kami akan mendapat sambutan serupa dari konsumen.”

Group Head of Consumer Banking & Wealth Management Bank DBS, Tan Su Shan, akan berbicara di Festival FinTech Singapura dalam sesi berjudul Kemitraan: Kunci Keberhasilan Bagi Masa Depan, pada hari Senin, 12 November, jam 5 sore, di panggung Deloitte.

Presiden GO-JEK, Andre Soelistyo, akan berbicara di KTT Investor Global FinTech Festival Singapura bertajuk Beyond FinTech. Bergabunglah dengannya di fireside chat pada hari Rabu, 14 November, jam 4 sore di panggung GIC.

[END]

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DBS First quarter profit

DBS First-quarter net profit up 9% to record SGD 1.65 billion, return on equity at 14%

Healthy business momentum and higher net interest margin enable earnings to surpass year-ago record quarter

SINGAPORE, HONG KONG, CHINA, INDIA, INDONESIA, TAIWAN, 29 April 2019 – DBS Group’s net profit for first quarter 2019 increased 9% to a record SGD 1.65 billion. Total income grew 6% to a new high of SGD 3.55 billion. Healthy business momentum and a higher net interest margin more than offset the impact of a high base for wealth management, brokerage and investment banking fee income as well as a property gain a year ago. New non-performing asset formation remained low and total allowances halved. Return on equity rose to 14.0%, the highest in more than a decade.

Healthy business momentum underpins record performance

Compared to the year-ago period, net interest income rose 9% to SGD 2.31 billion. Loans grew 5% in constant-currency terms to SGD 347 billion. The increase was led by non-trade corporate loans, which expanded 11% from broad-based activities across the region. Consumer loans were 3% higher. These increases were moderated by an 11% decline in trade loans due to unattractive pricing and a general market slowdown. Net interest margin increased five basis points to 1.88% in line with higher interest rates in Singapore and Hong Kong.

Net fee income was 2% lower at SGD 730 million. Wealth management, brokerage and investment banking fee income declined 12% in aggregate due to exceptionally buoyant market sentiment a year ago, but the impact was mitigated by fee income increases in other categories. Card fees increased 21% to SGD 189 million from higher customer transactions across the region. Transaction service fees rose 6% to SGD 188 million as both cash management and trade finance fees increased. Loan-related fees grew 9% to SGD 108 million.

Other non-interest income rose 5% to SGD 511 million as increases in trading income and net gain on investment securities more than offset a property gain of SGD 86 million a year ago. Trading income rose 20% to SGD 443 million from gains in interest rate and credit activities. Net gain on investment securities doubled to SGD 53 million from a low year-ago base.

By business unit, Consumer Banking / Wealth Management income rose 15% to SGD 1.56 billion from higher deposit and bancassurance income. Institutional Banking
income grew 10% to SGD 1.50 billion from higher cash management and loan income. Treasury Markets income increased 18% to SGD 293 million. The income growth from the three business units was moderated by a halving in Others income due in part to the property disposal gain a year ago.

Expenses rose 7% to SGD 1.50 billion. The cost-income ratio was 42%, similar to a year ago. Profit before allowances increased 5% to SGD 2.05 billion.

Earnings up 25% from previous quarter

Compared to the previous quarter, net profit was 25% higher, boosted by a recovery in wealth management and trading income. Overall business momentum was sustained.

Net interest income rose 1% on a day-adjusted basis. Loans grew 1% as non-trade corporate loans increased 3% from working capital and deal-related borrowing led by Singapore and Hong Kong corporates. Trade loans declined 4%. Net interest margin rose one basis point. Excluding Treasury Markets activities, net interest margin rose five basis points mainly from higher interest rates in Singapore as well as the repricing of housing loans.

Net fee income rose 15%. Wealth management fees increased 44% with a recovery in market sentiment from the previous quarter’s volatility. Loan-related fees were also higher. Other non-interest income grew 83% as trading income doubled from a weak quarter.

Expenses were stable and profit before allowances was 18% higher.

Balance sheet remains strong

Asset quality continued to be benign. Non-performing assets were stable from the previous quarter at SGD 5.6 billion as new non-performing asset formation remained low. The NPL rate was unchanged at 1.5%.

Total allowances fell to SGD 76 million, half the level a year ago and two-fifths the previous quarter. Specific allowances amounted to SGD 176 million, with charges for loans declining to 15 basis points from 20 basis points a year ago and 25 basis points in the previous quarter. There was a general allowance write-back of SGD 100 million, with half the amount contributed by improved portfolio credit quality and the balance due to an improvement in external credit conditions during the quarter. Allowance coverage rose to 100% from 98% in the previous quarter and 90% a year ago. Taking into account collateral, allowance coverage was at 181%.

Deposits were stable from the previous quarter and rose 5% from a year ago to SGD 395 billion. The liquidity coverage ratio of 137% and the net stable funding ratio of 111% were both above the regulatory requirement of 100%.

The Common Equity Tier-1 ratio rose 0.2 percentage points from the previous quarter to 14.1% as earnings accretion outpaced risk-weighted asset growth. The leverage ratio of 7.3% was more than twice the regulatory requirement of 3%.

Dividend payment frequency changed to four times a year

The Board decided that, from financial year 2019, dividends will be paid four times a year, instead of two times a year, to provide shareholders with more regular income streams. The policy of paying sustainable dividends that rise progressively with earnings remains unchanged.

For the first quarter, the Board declared a dividend of SGD 30 cents per share, consistent with the previous financial year’s payout of SGD 1.20 per share. The first-quarter dividend is scheduled to be paid on 31 May 2019.

The final dividend of financial year 2018 of SGD 60 cents a share, which was approved by shareholders at the recent annual general meeting, is scheduled to be paid on 17 May 2019.

DBS CEO Piyush Gupta said, “We have had a good start to the year as business momentum was sustained and non-interest income recovered from the recent weakness. The record earnings and ROE progression demonstrate the strengthened profitability of our franchise from digitalisation, a shift towards higher-returns businesses and more nimble execution. We are well placed to continue capturing growth opportunities across the region and delivering healthy shareholder returns.”

[END]

Source : www.dbs.com

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DBS Sustainability Report

DBS issues standalone sustainability report, first Singapore bank to do so

Expands on approach to sustainability, which is based on responsible banking,
responsible business practices and creating social impact

SINGAPORE, HONG KONG, CHINA, INDIA, INDONESIA, TAIWAN, 28 March 2019 – In line with its commitment to advancing the sustainability agenda as a purpose-driven bank, DBS today issued its inaugural standalone sustainability report, the first Singapore bank to do so. The report provides an expanded account on progress made in supporting the United Nations’ set of Sustainable Development Goals[1] (SDGs) and material sustainability matters over the past year.

      DBS’ approach to sustainability is based on three pillars – (i) Responsible banking, (ii) Responsible business practices and (iii) Creating social impact. Within these pillars, the bank has chosen to focus on six SDGs, namely SDG 5 – gender equality, SDG 7 – affordable and clean energy, SDG 8 – decent work and economic growth, SDG 9 – industry, innovation and infrastructure, SDG 12 – responsible consumption and production and SDG 13 climate action.

In the Sustainability Report, DBS CEO Piyush Gupta said that some of the challenges facing the world – challenges in the developmental, social and environmental space – are enormous and complex. “It is our firm belief that companies such as ours have a central role to play in seeking to find solutions to these challenges. Our licence to operate comes from civil society, and we need to ensure that we are addressing the needs of multiple stakeholders, not just for our generation but for generations to come. Our approach to sustainability is guided by this sense of purpose: to create value for the long term, by managing our business in a balanced and responsible way.”

He also reflected that in seeking an appropriate balance, the bank is mindful that more often than not, there are numerous trade-offs that need to be made. As an example, there are inherent trade-offs even in some of the United Nations Sustainable Development Goals, with the quest for improvement in basic living conditions sometimes coming at the cost of environmental degradation. “These trade-offs must be carefully evaluated as the solutions are often not binary.”

Progress made by the bank in its sustainability efforts is summarized below:

      Pillar 1: Responsible banking – delivering products and services that promote sustainable development and conducting business in a fair and responsible manner.Some examples:

  • In the area of responsible financing, DBS provided sustainability financing amounting to more than SGD 2.4 billion in 2018. This included green loans, sustainability performance-linked loans and renewable energy financing.
  • In the area of climate change, the bank is committed through its business activities to promote an orderly transition to a low-carbon economy, while balancing the need for economic growth and social inclusion. As an example, it supported clients’ issuances such as Start Energy’s Wayang Windu geothermal green project bond and the State Bank of India’s maiden green bond.
  • In the area of digital finance, DBS has joined the Sustainable Digital Finance Alliance and the UN Task Force on Digital Financing for SDGs. These collaborations address the potential for fintech-powered business innovations to reshape the financial system in ways that better align with the needs of sustainable development.
  • In support of the financial inclusion agenda, through the years, DBS has lent a total of SGD 38 billion to SMEs. DBS’ social enterprise (SE) banking package also offers SEs unsecured business loans at a preferential rate of 5% fixed per annum. In Singapore, the bank is the bank of choice for many migrant workers, and waives fees for ex-offenders to help their reintegration into society.

      Pillar 2: Responsible business practices – doing the right thing by employees and taking into account environmental and societal considerations in day-to-day business operations. Some examples:

  • In support of diversity and equal opportunity, DBS seeks to create a workplace that is supportive of employees as they grow and thrive in different aspects of their lives. In 2018, the bank enhanced its parenthood leave which includes maternity, paternity and adoption. It also introduced neonatal care leave for employees who require additional support when their child is born prematurely. For the second year running, the bank was included in the Bloomberg Gender-Equality Index.
  • In the area of sustainable procurement, DBS requires all new suppliers to be reviewed against its Sustainable Source Principles (SSP), which outlines the expectations the bank has of its suppliers in four key areas – human rights, health and safety, environmental sustainability, as well as business integrity and ethics. In 2018, 99.6% of new suppliers signed their commitment to support DBS’ SSP.

      Pillar 3 – Creating social impact – being a Force for Good by supporting social enterprises – businesses with a dual bottom line – and giving back to the communities. Some examples:

  • In the area of social entrepreneurship, the DBS Foundation awarded SGD 1.25 million in grants to 12 SEs through the SE Grant Programme in 2018. The programme enables social enterprises to develop a prototype of their idea, add critical capabilities for business sustainability, or scale up existing businesses, leading to greater social impact. In 2018, DBS employees also mentored more than 50 SEs across its six core markets to help scale their businesses.
  • On employee volunteerism, through DBS’ “People of Purpose” volunteerism movement, in 2018, employees spent more than 65,000 hours helping to drive impact in the areas of ageing, education and the environment. The total value of time committed is estimated to be over SGD 6 million since 2014.

WateROAM, a DBSF grant awardee which develops highly portable water filtration systems for communities in rural regions and disaster-hit sites said that it had benefitted greatly from being involved with the ecosystem of SEs supported by DBSF.

David Pong, CEO of WateRoam said, “At each gathering organised by the Foundation, we exchanged precious lessons learnt from our different social enterprise journeys, and never failed to walk away with a greater sense of encouragement for the journey ahead. Being a DBSF grant awardee has truly allowed us to achieve our vision of ending global thirst with much more effectiveness.”

DBS’ inaugural standalone Sustainability Report can be read here

The United Nations’ Sustainable Development Goals are the blueprint to achieve a better and more sustainable future for all. They address the global challenges we face, including those related to poverty, inequality, climate, environmental degradation, prosperity, and peace and justice. Source here

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DBS Full Year 2018 net profit

DBS full-year 2018 net profit rises 28% to record SGD 5.63 billion

Fourth-quarter earnings up 8% to SGD 1.32 billion

SINGAPORE, HONG KONG, CHINA, INDIA, INDONESIA, TAIWAN, 18 February 2019 – DBS Group achieved another record performance in 2018 as net profit rose 28% to SGD 5.63 billion. Business momentum was maintained over the course of the year despite heightened economic uncertainty and financial market volatility in the second half. Total income increased 11% to SGD 13.2 billion from loan and fee income growth as well as a higher net interest margin, which were partially offset by weaker Treasury Markets income.

Return on equity rose more than two percentage points to 12.1%, the highest in more than a decade, attesting to the improved structural profitability of the DBS franchise as interest rates and allowances reached more normalised levels.

Fourth-quarter earnings increased 8% to SGD 1.32 billion. Total income grew 6% to SGD 3.25 billion as sustained loan growth and net interest margin progression over the quarter were moderated by a decline in Treasury Markets income.

Full-year earnings increase 28%

Full-year net interest income rose 15% to SGD 8.96 billion. Net interest margin increased 10 basis points to 1.85% with higher interest rates in Singapore and Hong Kong.

Loans grew 6% in constant-currency terms to SGD 345 billion. Non-trade corporate loans increased 12% from steady broad-based growth across the region through the year. Consumer loans rose 3%, with a softening in the second half due to Singapore residential property market cooling measures and volatile financial markets. Trade loans declined 6% as maturing exposures were not replaced due to unattractive pricing.

Net fee income rose 6% to SGD 2.78 billion. Card fees increased 31% to SGD 714 million from higher customer transactions in Singapore and the consolidation of the retail and wealth management business of ANZ. Wealth management fees grew 18% to SGD 1.14 billion mainly from higher bancassurance income. Transaction service fees increased 5% to SGD 647 million as a 13% rise in cash management fees was moderated by lower trade finance fees. These increases were partially offset by a 41% decline in investment banking fees to SGD 128 million as debt and equity capital activities were affected by market uncertainty.

Other non-interest income fell 4% to SGD 1.45 billion due to lower gains on investment securities, partially offset by property disposal gains.

By business unit, Consumer Banking / Wealth Management (CBG/WM) income rose 21% to SGD 5.65 billion from increases in all product categories led by deposits, cards and bancassurance. Institutional Banking (IBG) income grew 9% to SGD 5.76 billion from higher cash management income. Treasury Markets income declined 21% to SGD 672 million due to unfavourable market conditions.

Expenses rose 13% to SGD 5.80 billion. ANZ accounted for five percentage points of the increase. The underlying cost-income ratio excluding Treasury Markets and ANZ was maintained. Profit before allowances increased 9% to SGD 7.39 billion.

Fourth-quarter earnings up 8% from year ago

For the fourth quarter, net profit rose 8% from a year ago to SGD 1.32 billion. While business momentum remained healthy, the results were dampened by weakness in Treasury Markets income. The combined income of CBG/WM and IBG rose 16% to SGD 2.95 billion, while Treasury Markets income halved to SGD 92 million.

Net interest income rose 11% to SGD 2.33 billion. Net interest margin increased nine basis points to 1.87% with higher interest rates in Singapore and Hong Kong. Loans grew 6% in constant-currency terms to SGD 345 billion.

Non-interest income fell 4% to SGD 915 million. Fee income was stable at SGD 635 million as increases in card, transaction service and loan-related fees were offset by declines in investment banking, wealth management and brokerage fees. Other non-interest income was 13% lower at SGD 280 million from lower gains on investment securities.

Expenses rose 11% to SGD 1.50 billion, with ANZ accounting for six percentage points of the increase. The underlying cost-income ratio was stable. Profit before allowances rose 3% to SGD 1.74 billion.

Fourth-quarter earnings 7% below previous quarter

Compared to the previous quarter, fourth-quarter net profit was 7% lower. The combined income of CBG/WM and IBG income was slightly higher while Treasury Markets income fell three-fifths.

Net interest income grew 3% as loan growth and net interest margin progression were sustained over the quarter. Net interest margin rose one basis point to 1.87%. A two-basis-point increase due to higher interest rates in Singapore was moderated by a drag from Treasury Markets activities. Loans rose 2% in constant-currency terms from growth in non-trade corporate loans. Consumer and trade loans were stable.

Fee income fell 9%. Declines in wealth management and loan-related fees were partially offset by increases in card and transaction service fees. Other non-interest income fell 31% due to weaker trading income.

Expenses rose 1% while profit before allowances was 8% lower.

Balance sheet remains strong

Compared to the previous quarter, non-performing assets fell 4% to SGD 5.68 billion. The NPL rate declined from 1.6% to 1.5%.

Total allowances for the fourth quarter were SGD 205 million, bringing the full-year amount to SGD 710 million. Full-year specific allowances were at 19 basis points of loans. Allowance coverage was at 98%, up five percentage points from the previous quarter and 13 percentage points from a year ago. Allowance coverage was at 178% after taking collateral into account.

Deposits rose 2% from the previous quarter and 5% from a year ago in constant-currency terms, in line with loan growth, to SGD 394 billion. The liquidity coverage ratio of 138% and the net stable funding ratio of 109% were both above the regulatory requirement of 100%.

The Common Equity Tier-1 ratio increased 0.6 percentage points from the previous quarter to 13.9% due mainly to net profit accretion. The leverage ratio of 7.1% was more than twice the regulatory requirement of 3%.

The Board proposed a final dividend of 60 cents per share for approval at the forthcoming annual general meeting. This will bring the payout to $1.20 per share for the full year.

DBS CEO Piyush Gupta said, “We achieved financial results befitting our fiftieth anniversary, a year when we were also recognised as the world’s best bank and best digital bank. Return on equity of 12.1% was near the historical high of 2007, when interest rates were twice the levels today and capital requirements less stringent. The structural improvements we have made to the profitability of our franchise – a shift towards higher-returns businesses, deeper customer relationships and more nimble execution – put us in good stead to navigate the challenges of the coming year.”

[END]

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Pertumbuhan Ekonomi Indonesia Naik

Pertumbuhan Ekonomi Indonesia Naik 5% di Tahun 2018, Ekonomi akan Membaik pada 2023

     INDONESIA, 31 January 2019 – Bertepatan dengan tahun politik di Indonesia, Bank DBS Indonesia kembali menghadirkan DBS Asian Insights Conference bersama Menteri Keuangan Republik Indonesia, Sri Mulyani dan Menteri Koordinator Bidang Kemaritiman Republik Indonesia, Luhut Binsar Pandjaitan, serta beberapa pakar ekonomi. Konferensi tahunan yang kali ini mengangkat tema ‘Accelerating Growth for Future-Forward Indonesia dan Game Changers; New Futures, New Opportunities’, ingin memberikan prediksi peluang dan tantangan yang akan dihadapi Indonesia di tengah pembangunan dan iklim politik dalam negeri, serta gejolak perekonomian dunia.

     Gejolak perekonomian dunia yang disebabkan oleh ancaman perang dagang Amerika Serikat dan China berdampak besar terhadap perekonomian dunia. Prospek melambatnya perekonomian dunia pun membuat pasar saham dunia bergejolak, indeks S&P 500 turun 17% dari level tertingginya di September 2018. Tidak hanya itu, Indeks MSCI juga turun 15% dari level tertinggi juga di bulan yang sama. Bahkan, International Monetary Fund (IMF) menyebut gejolak ekonomi dunia mulai memunculkan tanda-tanda akan datangnya krisis finansial.

     Indonesia memiliki pertumbuhan yang cukup baik di tengah dinamika perekonomian dunia di tahun 2018. Indonesia mampu tumbuh di kisaran 5%. Hal ini juga bisa dilihat dari realisasi pendapatan negara mencapai 100% dari target Anggaran Pendapatan dan Belanja Negara (APBN) di akhir tahun 2018. Defisit APBN dianggap sehat, hingga akhir November 2018 mencapai Rp 278 triliun atau 1,89% di bawah Produk Domestik Bruto (PDB), di mana angka ini di bawah target APBN sebesar 2,19%. Inflasi pun terkendali. Hal ini dibenarkan oleh Sri Mulyani, Menteri Keuangan Republik Indonesia, beliau menyatakan pada tahun lalu, pertumbuhan ekonomi Indonesia cukup kuat karena didukung oleh konsumsi, investasi, dan belanja pemerintah.

     “Kami mengharapkan momentum pada akhir tahun akan tetap berkontribusi terhadap pertumbuhan ekonomi mendekati 5,15-5,17%. Di balik indikator pertumbuhan ekonomi, banyak sekali indikator pembangunan yang truly matters to the people,” ujar Sri Mulyani.

     Ia pun melanjutkan bahwa hal ini juga menekan tingkat kemiskinan di dalam negeri sepanjang sejarah Indonesia. “For the first time, single digit poverty rate yang sekarang turun menjadi 9,66% dari 9,8% pada Maret 2018,” tambahnya.

     Luhut Binsar Pandjaitan, Menteri Koordinator Bidang Kemaritiman Republik Indonesia menambahkan, selain pertumbuhan ekonomi yang meningkat dan tingkat kemiskinan yang menurun, laju inflasi Indonesia dinilai sudah cukup baik sampai akhir tahun 2018. Hal ini terbukti dari tingkat inflasi yang berada di bawah 3%.

     “Kalau kita manage dengan baik, ekonomi kita akan membaik sampai 2023. Kita harus optimistis terhadap kondisi ekonomi kita saat ini, karena kita bisa menahan inflasi di bawah 3%. Tidak akan ada ancaman yang berarti dalam 10-15 tahun ke depan. Untuk itu, kita fokus untuk membangun infrastruktur dan sumber daya manusia mulai dari sekarang,” tutupnya.

     Senada dengan itu, Chief Economist DBS Bank Ltd. Taimur Baig mengungkapkan strategi yang dapat dilakukan oleh Indonesia dalam memaksimalkan peluang di tahun 2019. “Di tengah pengaruh eksternal seperti ancaman perang dagang Amerika Serikat dan Tiongkok dan keputusan The Feds, serta pengaruh faktor internal dimana akan ada pemilihan umum, Indonesia harus fokus pada permintaan domestik. Apabila permintaan domestik terdapat peningkatan, maka di sinilah terdapat peluang bagi Indonesia. Sebagai catatan, hal ini bukan berarti permintaan eksternal seperti ekspor, impor, manufaktur dan tambang tidak penting. Indonesia memiliki populasi yang besar yang didominasi oleh generasi muda yang dinamis.

     Banyaknya jumlah bisnis baru, startup, di Indonesia menjadi salah satu daya tarik Indonesia di mata dunia. Melalui permintaan domestik saja, Indonesia dapat tumbuh di angka 4-5%.” ungkap Taimur Baig, Chief Economist DBS Bank Ltd.

     DBS Asian Insights Conference merupakan salah satu bentuk komitmen Bank DBS Indonesia dalam mewujudkan misi ‘Live more, Bank less’. “Kami menginginkan masyarakat Indonesia dapat lebih menikmati hidup tanpa di rumitkan oleh hal-hal lain, khususnya perihal perbankan. Berangkat dari misi tersebut, kami berkomitmen untuk menjadi institusi perbankan yang terdepan dalam memberikan wawasan yang komprehensif terutama terkait bisnis dan ekonomi. Melalui acara ini, kami berharap bisa dapat membantu para pelaku bisnis dalam mengambil keputusan dan menentukan arah tujuan yang ingin dicapai,” ujar Paulus Sutisna, Presiden Direktur PT Bank DBS Indonesia.

     Pembicara yang turut hadir di dalam DBS Asian Insights Conference, antara lain:

  • Taimur Baig – Chief Economist DBS Bank Ltd.,
  • Burhanuddin Muhtadi – Executive Director of Indonesian Politics Indicator and Research Institution of Indonesia
  • William Tanuwijaya – Co-Founder Tokopedia
  • Denni Puspa Purbasari – Deputi III Kantor Staf Presiden,
  • Damhuri Nasution – Panel Expert Katadata Insight Center/ Head Danareksa Research Institute,
  • Betty Alwi – General Manager Dana Pensiun Lembaga Keuangan (DPLK) PT Bank Negara Indonesia (Persero) Tbk,
  • Markus Erik A. – Head of Market Intelligence and Investment Specialist Team, PT Bank DBS Indonesia.
  •  
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> Bank DBS Indonesia telah terdaftar dan diawasi oleh Otoritas Jasa Keuangan Republik Indonesia.
> Syarat wajib memiliki kartu kredit berusia 1 (satu) tahun.

Ajukan Sekarang !

Hidup Tanpa Tunai

Pernah Terpikir untuk Hidup Tanpa Uang Tunai?
Inilah 7 Keseruan Menjadi Bagian dari Cashless Society

INDONESIA, 23 January 2019 – Perkembangan teknologi sejatinya memicu perubahan gaya hidup termasuk dengan cara bertransaksi masyarakat Indonesia. Saat ini, masyarakat sudah mulai terbiasa bertransaksi non-tunai dengan teknologi pembayaran digital atau yang disebut dengan tren cashless society.

Berdasarkan Consumer Payment Attitudes Study yang dirilis oleh Visa (2016), masyarakat Indonesia lebih suka menggunakan kartu pembayaran elektronik dibandingkan dengan uang tunai. Penelitian tersebut juga menemukan bahwa 34% masyarakat Indonesia hanya membawa sedikit uang tunai dibandingkan dengan lima tahun yang lalu, karena 71% masyarakat lebih suka menggunakan kartu pembayaran dan 59% menganggap bahwa membawa uang tunai tak lagi aman.

Hal ini sejalan dengan program yang diinisiasi oleh Bank Indonesia pada tahun 2014, yaitu Gerakan Nasional Non Tunai (GNNT). Tidak dapat dipungkiri, peralihan sistem transaksi pada masyarakat dikarenakan adanya teknologi pembayaran yang inovatif, efisien, aman, dan mudah digunakan. Lantas, apakah kamu sudah menjadi bagian dari cashless society? Mari kita ulas apa saja sih keseruan menjadi bagian dari cashless society:

1. Banyak promo? Sudah pasti!

Transaksi menggunakan alat pembayaran non-tunai sebenarnya sangat menguntungkan bagi masyarakat. Hal tersebut tentunya sangat beralasan, karena banyak merchant yang menawarkan berbagai potongan harga dan cashback bagi pengguna setianya. Hal tersebut membuat barang-barang yang kita beli menjadi lebih murah dan tentunya bisa membuat kita lebih hemat bukan?

2. Pengeluaran menjadi lebih teratur

Ngga percaya? Pernah dengar istilah spending tracker?

Pembayaran non-tunai selain lebih cepat dan efisien, juga memungkinkan kamu untuk memonitor berbagai transaksi yang pernah dilakukan sebelumnya. Kamu jadi bisa tahu seberapa banyak dana yang dikeluarkan untuk pos-pos tertentu, misalnya untuk belanja kebutuhan pokok, makan di restoran, melakukan hobi, dan kegiatan lainnya. Melalui laporan ini tentunya kamu bisa merencanakan keuangan kamu lebih baik lagi di setiap bulannya.

3. Anti transfer dengan biaya tambahan

Hal yang biasa menjadi kendala ketika kita ingin transfer dana entah untuk keluarga atau teman yang memiliki rekening dari bank lain adalah biaya transfer. Tanpa kita sadari, kita secara rutin mengeluarkan biaya untuk transfer antar bank yang terasa sedikit tetapi cukup menguras kantong. Apalagi jika kita berhadapan dengan situasi dimana kita harus transfer beberapa kali ke beberapa rekening berbeda, jadi merasa ‘terbebani’ kan? Kini, kamu tidak perlu khawatir lagi dengan biaya yang harus dikeluarkan saat transfer karena sudah tersedia solusinya yaitu layanan free transfer. Sesuai dengan namanya, layanan free transfer memungkinkan kamu untuk lebih leluasa transfer kemanapun dan kapanpun, tanpa harus berpikir tentang biaya transfer lagi. Bahkan, digibank by DBS menawarkan solusi transfer gratis melalui aplikasi ke bank mana saja hingga 200 juta per harinya! Yakin masih ngga mau jadi bagian dari cashless society?

4. Ngga perlu antri lama di pintu tol

Sejak diberlakukannya kebijakan Pemerintah Indonesia tentang pembayaran pada semua pintu tol menggunakan E-money, uang elektronik berbentuk kartu ini menjadi kebutuhan yang wajib dimiliki oleh pengendara mobil. Secara tidak langsung, kamu yang menggunakan fasilitas ini sudah menjadi bagian dari cashless society loh!

Keputusan tersebut tentu mempercepat antrian bayar di pintu tol dan menghemat waktu para pengendara karena penggunaan E-money hanya perlu sekali tap. Transaksi akan langsung terbayar dan saldo akan otomatis berkurang sesuai nominal yang ditentukan. Bagi yang memiliki fitur Near Field Communication (NFC) di smartphone Androidnya, kalian dapat dengan mudah meng-update saldo e-Money dimana saja setelah top up melalui fitur Bayar Beli pada Aplikasi digibank by DBS.

5. Buka rekening ngga harus datang ke bank

Kamu sudah tidak perlu repot lagi datang ke bank, ambil nomor, dan antri untuk membuka rekening baru karena sekarang sudah ada sarana elektronik atau digital milik bank dimana nasabah bank dapat melakukan segala aktivitas perbankan secara mandiri. Kok bisa? Dengan adanya teknologi biometrik yang berupa fingerprint pada e-KTP, verifikasi dan data keamanan setiap nasabah sudah tercatat dan terintegrasi sehingga mempersingkat waktu nasabah dalam membuka rekening. Bukan hanya buka rekening, tetapi semua layanan kegiatan perbankan lain seperti transfer dana atau cek saldo juga sudah dapat dilakukan melalui aplikasi. Jadi, apakah kamu tim cashless society yang sudah pakai aplikasi atau masih suka datang ke bank nih?

6. Bertransaksi lebih aman dan efisien

Meskipun kemudahan merupakan hal yang penting, pada akhirnya keamanan merupakan faktor utama yang harus terjamin. Pada awalnya orang cenderung ragu bertransisi dari memakai uang tunai menjadi uang elektronik. Mereka berpikir apakah uang mereka akan aman dan tidak akan tersedot oleh pihak yang tidak bertanggung jawab? Bagi kamu para cashless society, pasti sudah tidak asing dengan istilah OTP atau one time password dan hard token. Kedua fitur tersebut membantu verifikasi kepemilikan yang tentu akan meningkatkan keamanan rekening kamu. Tetapi memang jadi kurang efisien ya kalau harus verifikasi berulang kali atau bawa alat tambahan kemana-mana untuk bertransaksi. Tenang aja, kini sudah ada layanan soft token yang hanya membutuhkan satu password untuk segala transaksi jadi tetap aman tanpa harus repot.

7. Memanfaatkan fitur interaktif dari aplikasi

Jika kita mengandalkan sistem, tentu semua hal akan menjadi lebih praktis dan terkendali. Akan tetapi, ada kalanya kita bingung bagaimana harus menggunakannya atau apa yang harus dilakukan ketika sistem sedang mengalami gangguan saat kita mau bertransaksi.

Tahukah kamu? Sekarang sudah tersedia fitur interaktif bernama digibot loh. Sebagai Artificial Intelligence (AI) atau kecerdasan buatan yang dimiliki oleh digibank by DBS, digibot akan menjawab segala pertanyaan kamu tentang digibank. Buat kamu yang sudah menjadi bagian dari cashless society, tidak perlu bingung lagi harus bertanya pada siapa karena digibot mampu menyediakan layanan chatting, kirim dana, dan cek transaksi untuk nasabah selama 24/7!

Transformasi digital merupakan fokus utama Bank DBS Indonesia. Bank DBS berhasil meraih berbagai penghargaan internasional dari publikasi kenamaan dunia, seperti The Best Bank in The World oleh Euromoney dan Global Bank of The Year oleh The Banker atas transformasi digitalnya, salah satunya adalah melalui layanan dan produk perbankan digibank by DBS. Oleh karena itu, segala keseruan menjadi bagian dari cashless society dapat dirasakan melalui aplikasi digibank by DBS. Fitur-fitur seperti spending tracker, free transfer, Bayar Beli untuk top up e-Money, buka rekening dengan teknologi biometrik, soft token, serta digibot telah tersedia agar nasabah dapat dengan mudah bertransaksi dalam satu genggaman.

“Tidak dapat dipungkiri bahwa teknologi mempermudah kita sebagai pengguna dalam berbagai aspek terutama melakukan aktivitas sehari-hari. Pemahaman akan digital banking dan berbagai layanan perbankan tentunya sangat diperlukan untuk memilih solusi atas kebutuhan keuangan para nasabah. Memilih produk dan layanan perbankan yang sesuai kebutuhan haruslah tepat, akan lebih baik lagi apabila produk perbankan tersebut tidak hanya menjadi alat atau fasilitas kebutuhan transaksional tetapi juga investasi,” ujar Leonardo Koesmanto, Head of Digital Banking DBS di Indonesia.

Leonardo menambahkan, “Saat ini kita dipermudah oleh teknologi di mana semua aktivitas perbankan dapat dilakukan hanya dalam genggaman. Hal ini sejalan dengan misi kami Live more, Bank less dimana kami ingin nasabah untuk lebih menikmati hidup dan tidak direpotkan dengan urusan perbankan yang rumit.”

Sumber : www.dbs.com

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> Pinjaman hingga 300 juta.
> Proses Mudah: Hanya isi data dibawah ini, sisanya kami yang urus.
> Cepat Cair: dana anda akan cair dalam 1 (satu) hari sejak aplikasi anda disetujui.
> Bank DBS Indonesia telah terdaftar dan diawasi oleh Otoritas Jasa Keuangan Republik Indonesia.
> Syarat wajib memiliki kartu kredit berusia 1 (satu) tahun.

Ajukan Sekarang !