International Banking
Overview
Kinerja Divisi International & Transactional menunjukkan perkembangan yang cukup baik sejak tahun 2009, yang didukung dari tiga unit bisnis, yaitu International Banking, Kustodi, dan Pelayanan Khusus.
Untuk meningkatkan kualitas pelayanan, Bank Saudara telah menjalin kerjasama dengan beberapa bank koresponden domestik maupun internasional untuk mendukung kegiatan transaksi kiriman uang, pembiayaan perdagangan dan treasuri. Selain Bank Saudara juga menjalin kerjasama dengan pihak ketiga, seperti Western Union dalam penyediaan layanan kiriman uang secara tunai. Dengan dukungan dan kerjasama dari bank koresponden dan pihak ketiga yang terkait, Bank Saudara dapat menyediakan beberapa pilihan produk dan layanan perbankan yang terbaik untuk nasabah.
Sejak bulan Juli 2010, Bank Saudara menawarkan mata uang lain untuk layanan kiriman uang yaitu dalam mata uang Japanese Yen, sebagai layanan tambahan untuk kiriman uang mata uang asing yang telah ada sebelumnya seperti United States Dollar, Euro dan Singapore Dollar. Dengan penambahan layanan ini diharapkan akan memberikan manfaat yang lebih baik bagi nasabah Bank Saudara.
Dalam mengantisipasi volume transaksi yang lebih berar, Bank Saudara telah membuka tambahan rekening nostro USD untuk tujuan kegiatan kiriman uang maupun pembiayaan perdagangan.
The 2010 achievements
Layanan Internasional Banking saat ini antara lain adalah transaksi uang kertas asing (bank notes), transaksi juak-beli valuta asing (foreign exchange), kiriman uang (remittance) & inkaso (collections) dan pembiayaan perdagangan.
Seiring dengan membaiknya situasi perekonomian dunia setelah terjadinya resesi global pada tahun 2008, bisnis perdagangan internasional juga membaik dan Bank Saudara memanfaatkan peluang untuk meningkatkan volume transaksi internasional banking.
International Banking
Overview
The performance of the International & Transactional banking division has greatly improved since 2009 of which have been contributed by three business units, International banking unit, Custody unit, and Personal Banking unit.
To improve the quality of our services, Bank Saudara has carried out several co-operations with local as well as international correspondent banks, which supported activities in remittances, trade finance services and treasury. In addition to working with correspondent banks, Bank Saudara has also worked with third parties, such as Western Union in providing money transfer services. With the support and cooperation from correspondent banks and related third parties, Bank Saudara was able to provide more choices of excellent products and services to customers.
As of July 2010, Bank Saudara is proud to offer another foreign currency for remittance purpose, which is the Japanese Yen in addition to the other previously established foreign currencies, such as United States Dollar, Euro, and Singapore Dollar. With this new addition, Bank Saudara hopes that it will present better opportunities as well as benefits for our customers.
To anticipate the overwhelming demand in transactions we also opened another USD Nostro account for remittance purpose as well as for trade finance purpose.
The 2010 achievements
The current International Banking services provided by Bank Saudara are bank note transactions, foreign exchange transactions, remittances & collections, and trade finance services.
Along with the improving world economy condition after the global recession that took place in 2008, international trade businesses have also improved and Bank Saudara took the opportunity to benefit from the recovering situation by increasing international banking transaction volume.
Seiring dengan membaiknya situasi perekonomian dunia setelah terjadinya resesi global pada tahun 2008, bisnis perdagangan internasional juga membaik dan Bank Saudara memanfaatkan peluang untuk meningkatkan volume transaksi internasional banking.
Seluruh kantor cabang Bank Saudara saat ini sudah dapat menawarkan layanan transaksi Internasional Banking guna mendukung Divisi International & Transactional Banking secara Komprehensif. Layanan transaksi Internasional Banking Bank Saudara menawarkan harga yang kompetitif, nilai tukar yang kompetitif dan pelayanan yang efisien dan profesional.
Sebagai bagian dari pengembangan layanan Internasional Banking, transaksi pengiriman uang tunai melalui Western Union tumbuh dengan signifikan sejak pertama kali diperkenalkan pada September 2009. Layanan Western Union di Bank Saudara diawali dengan 33 outlet layanan namun pada akhir 2010 jumlah outlet telah berkembang menjadi 225 outlet; dengan 68 outlet layanan Bank Saudara dan 157 outlet layanan sub-sub agen, hal tersebut sesuai dengan target Bank Saudara untuk memiliki 200 outlet layanan pada akhir tahun 2010. Untuk selanjutnya jaringan layanan kiriman uang Western Union akan diperluas seiring dengan bertambahnya kantor cabang Bank Saudara dan kerjasama sub-sub agen di seluruh wilayah Indonesia. Pertumbuhan yang luar biasa ini menjadikan Bank Saudara masuk dalam rangking 10 besar agen di Indonesia untuk kriteria jumlah transaksi tertinggi di tahun 2010.
Satu layanan Bank Saudara yang akan bertambah tahun 2011 adalah layanan Direct to Bank (D2B) yang bekerjasama dengan Western Union yang telah dicanangkan sejak akhir tahun 2010. Pada prisipnya D2B menawarkan layanan yang sama dengan layanan pengiriman uang tunai Western Union yang membedakan hanya pada penerimaan uang, dimana dengan D2B uang dapat langsung masuk ke rekening penerima. Penerima sendiri tidak harus mempunyai rekening di Bank Saudara karena Bank Saudara akan meneruskan uang tersebut ke rekening penerima melalui Sistem Kliring Nasional (SKN). Pengembangan selanjutnya atas layanan D2B ini, Bank Saudara akan bekerjasama dengan operator ATM Bersama sehingga mempermudah Nasabah dalam menarik langsung uang yang diterima melalui ATM.
Along with the improving world economy condition after the global recession that took place in 2008, international trade businesses have also improved and Bank Saudara took the opportunity to benefit from the recovering situation by increasing international banking transaction volume.
All of our main branches now offer International Banking services in support of International & Transactional Banking Division. Our international banking services boast competitive pricing, competitive exchange rates, efficient and professional service.
As part of our international banking services development, the money transfer transactions through Western Union have grown significantly since it first went live in September 2009. Only 33 service outlets were in operation at first but by the end of 2010 it had grown to 225 outlets; 68 Bank Saudara outlets and 157 sub-agents, which is in accordance to our target of having 200 outlets by the end of 2010. Going forward, Western Union services network will continue to expand along with increasing number of branch offices and sub-agents recruitment across Indonesia. This in return has presented Bank Saudara with the extraordinary achievement of being one of the Top 10 agents in Indonesia for the highest number of items in transactions in 2010.
Another excellent service that Bank Saudara can start offering in 2011 is the Direct to Bank service (D2B) in collaboration with Western Union which was established in late 2010. D2B offers the same service as the usual Western Union money transfer service in principle but instead of having the money being paid out in cash at the receiver's end, D2B allows the received money to be transferred to the chosen receiver's account. The receiver does not necessarily need to have an account with Bank Saudara because the money received would be credited directly by Bank Saudara using the Local Clearing System (SKN) to the chosen bank account. The next level of development, Bank Saudara will work together with the ATM Bersama operator in order to provide our customers the ease of directly withdrawing the received money from ATM machines.
Pada bulan Desember unit Pelayanan Khusus Bank Saudara membuka kantor baru di Gedung Energy Jakarta. Melalui pembukaan kantor tersebut, diharapkan dapat memberikan layanan yang lebih baik dan lengkap yang memungkinkan Nasabah Prima mendapatkan lebih banyak variasi produk- produk perbankan yang ditawarkan Bank Saudara, seperti Bancassurance, Tabungan, Rekening Giro dan deposito berjangka.
Selain layanan dari unit International Banking dan Pelayanan Khusus, Bank Saudara juga menawarkan layanan dari unit Kustodi, antara lain jasa penyimpanan surat-surat berharga, jasa penyimpanan surat-surat berharga dalam mata uang USD maupun EUR yang tercatat di Euroclear atau Clearstream dan jasa pengurusan Corporate Action.
Opportunity and Challenge
Untuk selanjutnya, tantangan terpenting Divisi International & Transactional Banking adalah menawarkan lebih banyak variasi produk dan layanan yang dapat meningkatkan jumlah nasabah Bank Saudara dan juga tetap mempertahankan tarif yang kompetitif seiring dengan semakin ketatnya persaingan dalam industri perbankan. Dengan suku bunga yang relatif rendah dan kondisi Rupiah yang menguat, perbankan harus mengatasinya dengan membatasi spread.
2011 Growth Strategy
Divisi Internasional & Transactional Banking akan terus berupaya untuk berkembang dengan menerapkan langkah- langkah strategis sebagai berikut:
? Tetap fokus untuk meningkatkan pendapatan fee based dengan menawarkan lebih banyak produk maupun layanan kepada nasabah dengan kualitas yang lebih baik.
? Bekerjasama dengan bank-bank koresponden dan pihak ketiga untuk memberi advis/konsultasi khususnya dalam hal peluang untuk melakukan cross-selling produk-produk International & Transactional Banking.
? Bekerjasama dengan kantor-kantor cabang dan seluruh unit bisnis dalam upaya meningkatkan pendapatan fee based dari layanan dan produk internasional & transaksional banking seperti pembiayaan perdagangan, remittance & collection, serta layanan pengiriman uang tunai dan juga layanan kustodi.
In December Bank Saudara Personal Banking opened a new nd
office based on the 2 floor of The Energy building in Jakarta. This new office will represent a better and more complete line of services offered by our Personal Banking unit and in return will encourage our prime customers to get to know more of our banking products, such as bancassurance and time deposits.
In addition to the International Banking unit and Personal Banking unit services, we also have our Custody unit offering safe keeping for marketable securities service, safe keeping service for United States dollar and Euro currency for marketable securities listed on Eurostream/Clearstream and Corporate Action services.
Opportunity and Challenge
Going forward, the key challenge for the International & Transactional Banking Division will be in offering more products in order to increase our customer base as well as maintaining the current competitive prices as competition increases in this industry. With interest rates remaining low and the Rupiah strong, banks across the industry will have to cope with narrowing spreads.
2011 Growth Strategy
The International & Transactional Banking Division will continue in its effort to grow by pursuing the following strategies:
? Keep on focus to increase fee based income by presenting more products to customers for better quality experience.
? Working closely with correspondent banks and related third parties to provide advice/consulting particularly in relation to the prospective cross- selling International & Transactional Banking products.
? Working together with branches and all business units to increase fee based income generated by international & transactional banking products, such as trade finance, remittance & collection and money transfer services as well as custody services.
2011 Future Overview
Sebagai bagian dalam upaya meningkatkan jumlah nasabah, Bank Saudara akan mengimplementasikan layanan Direct to Bank (D2B) bekerjasama dengan Western Union. Bank Saudara akan menjadi satu-satunya Bank di Indonesia yang menawarkan layanan tersebut dan bekerjasama dengan agen-agen di Singapore, Brunei Darussalam, Hong Kong dan Malaysia. Pemilihan negara-negara tersebut dikarenakan memiliki potensi besar dalam volume transaksi pengiriman uang, terutama karena merupakan sumber TKI.
Unit Pelayanan Kustodi akan bekerjasama dengan beberapa perusahaan sekuritas untuk menawarkan layanan penitipan reksadana. Layanan ini akan memberi banyak manfaat bagi Bank Saudara karena diharapkan akan memberi sumbangan pendapatan yang signifikan dan juga memberi kesempatan untuk cross-selling produk-produk perbankan Bank Saudara lainnya.
Personal Banking Bank Saudara menawarkan pelayanan untuk nasabah prima melalui 3 kelompok layanan sebagai berikut :
? Produk Investasi : Deposito, reksadana dan surat- surat berharga, yang bekerjasama dengan perusahaan sekuritas
? Produk terkait Travel/ Perjalanan : pengurusan tiket perjalanan, tour & travel, pengurusan imigrasi, yang bekerjasama dengan perusahaan tour & travel
? Produk yang berkaitan dengan Gaya Hidup : produk-produk bermerek, fasilitas untuk kesehatan seperti refleksiologi. Bekerjasama dengan merchant -merchant terkait.
Bank Saudara berkomitmen untuk senantiasa memberikan layanan terbaik untuk nasabah dan akan terus menawarkan inovasi produk-produk prima dalam rangka memaksimalkan kualitas produk-produk yang telah ada dan meningkatkan jumlah nasabah Bank Saudara.
2011 Future Overview
As part of the effort to increase our customer base, Bank Saudara will implement Direct to Bank service (D2B) in collaboration with Western Union. Bank Saudara would be the only bank in Indonesia to offer such service working together with agents in Singapore, Brunei Darussalam, Hong Kong and Malaysia. These countries are considered for their prime potential in bringing high transaction volume, mainly due to the exported Indonesian labor factor.
Custodian Services unit will seek to collaborate with other securities & investment companies to offer mutual fund safe keeping service. This particular service would give much benefit to the company as it could generate a significant amount of commission as well as provide opportunities in cross-selling the service with our other banking products.
Our Personal Banking unit will offer value added service for our prime customers which will be divided into three categories:
? Investment products which cover time deposits, mutual funds, and marketable securities working together with securities & investment companies. ? Travel related products which cover ticketing, tour
& travel, and immigration formalities working together with travel agents.
? Lifestyle products which cover branded products merchant, restaurants and wellness centre, working together with merchants in related business.
Our bank is committed in offering the best services for our customers and we will continue to innovate prime products in order to maximize our already quality product portfolio and increase our customer base.