Implementasi wealth management dalam strategi menghadapi persaingan menuju regional champion bank
HENDRA, Harsono, Dr., M.Sc
2009 | Tesis | S2 Magister ManajemenDalam rangka mencapai sistem perbankan yang sehat, kuat dan efisien dan guna menciptakan kestabilan sistem keuangan dan mendorong pertumbuhan ekonomi nasional yang berkesinambungan maka pemerintah membentuk satu blueprint yang dikenal dengan Arsitektur Perbankan Indonesia (API). Bank Mandiri sebagai bank terbesar di Indonesia saat ini mempunyai cita-cita untuk mengadi Regional Champion Bank atau Dominant Multi Specialist Bank dengan target market capital Rp 100 triliun di tahun 2010. Pencapaian ini harus didukung dengan standar operasi dan standar layanan perusahaan dengan kualitas internasional dan mampu melayani secara universal. Selain itu pelayanan yang diberikan oleh Bank Mandiri terhadap seluruh nasabahnya dapat unggul disegala lini produk dan layanan. Dengan target yang cukup besar dan ambisus maka diperlukan suatu strategi dan terobosan didalam menghadapi persaingan dan mengembangkan rencana bisnis sesuai dengan Arsitektur Perbankan Indonesia. Salah satu strategi yang diterapkan Bank Mandiri adalah implementasi layanan Wealth Management. Layanan Wealth Management memiliki potensi bisnis yang sangat besar dan masih dapat dikembangkan di Indonesia. Pasar wealth management di dunia, Asia, maupun Indonesia telah melalui pencapaian yang significant sepanjang 2007. Menurut catatan Merril Lynch/Cap Gemini dalam laporan terbarunya, World Wealth Report 2008, industri wealth management tumbuh sepanjang tahun 2007 sekitar 9% secara global. Di Asia pertumbuhannya ditengarai sebesar 12,5%. Wealth Management merupakan layanan ekslusif kepada nasabah perorangan dengan berbagai macam fasilitas serta kemudahan didalam melakukan transaksi perbankan dan atau non perbankan. Layanan ini memiliki 3 pilar yang menjadi standar, yaitu melindungi dan menjaga kekayaan (wealth protection and preservation), mengumpulkan dan mengembangkan kekayaan (wealth accumulation and growth) dan bagaimana mewariskan kekayaan dan menghadapi masa transisi atau pension (wealth distribution and transition). Sampai dengan akhir tahun 2008 jumlah bank yang beroperasi dalam industri perbankan Indonesia sebanyak 128. Kondisi ini membuat peta persaingan pada industri perbankan semakin agresif dan kompetitif didalam merebut pangsa pasar. Hal ini dilakukan mengingat potensi bisnis yang sangat besar dan dapat memberikan kontribusi yang besar bagi Bank khususnya pada pendapatan transaksi yang bersumber dari fee based income dan karakter nasabah yang umumnya merupakan nasabah loyal dan berinvestasi dalam jangka waktu yang cukup panjang. Keberhasilan yang telah diraih Bank mandiri saat ini didalam mengembangkan layanan Wealth Management didukung oleh jaringan distribusi yang sangat luas, infrastruktur yang solid, tersedianya beragam produk alternatif investasi dan kualitas SDM yang handal namun tetap efektif dan efisien.
In order to achieve a healthy banking system, strong and efficient and to create financial system stability and encourage economic growth and sustainable national government established a blueprint, known as the Indonesian Banking Architecture (API). Bank Mandiri as the largest bank in Indonesia at this time have any aspiration to be a Regional Champion Dominant Bank or Bank Multi Specialist with the target market capital Rp 100 trillion in 2010. Achieving this standard should be supported with the standard operating and service companies with international quality and able to serve the universal. In addition, services provided by Bank Mandiri to all its customers can outplay all product lines and services. With a big enough target, and then ambisus needed a strategy and innovation in the face of competition and develop a business plan in accordance with the Indonesian Banking Architecture. One of the strategies that are applied to the implementation of the Bank Mandiri Wealth Management services. Wealth Management Services have the potential business that is still very large and can be developed in Indonesia. Wealth management market in the world, Asia, and Australia has been through a significant achievement throughout 2007. According to the notes Merril Lynch / Cap Gemini in the newest report, World Wealth Report 2008, wealth management industry to grow throughout the year 2007 of around 9% globally. Growth in Asia suspected of 12.5%. Wealth Management is an exclusive service to individual customers with a range of facilities and ease of transaction in the banking and non banking. This service has 3 pillars of the standard, that is to protect and maintain the property (wealth protection and preservation), to gather and develop the property (wealth accumulation and growth) and how to inherit the wealth and the transition period or pension (wealth distribution and transition). Until the end of the year 2008 the number of banks operating in Indonesia as the banking industry 128. This map to create conditions of competition in the banking industry increasingly aggressive and competitive within the wrest market share. This is done because the potential is very big business and can provide a major contribution to the Bank, especially on the income from the transaction based fee income and the customers who are generally loyal customers and invest in a long time. Achieve the success that has been the Bank at this time in the self-developing service Wealth Management distribution network supported by a very knowledgeable, a solid infrastructure, availability of a variety of alternative investment products and a reliable quality of human resources but still effective and efficient.
Kata Kunci : Regional champion bank,Dominant multi specialist bank,Target merket capital,Aspiration to become a Regional Champion Dominant Bank or Bank Multi Specialist with the target market capital at Rp 100 trillion in 2010
