Empat Bank Besar Siap Bersaing di ASEAN
Four Largest Banks Competes in ASEAN
Reporter : Gatot Priyantono
Editor : Hari Utomo
Translator : Dhelia Gani
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Jakarta (B2B) - Empat bank terbesar di Indonesia, yaitu PT Bank Mandiri Tbk, PT Bank Rakyat Indonesia Tbk, PT Bank Central Asia Tbk dan PT Bank Negara Indonesia Tbk, paling berpotensi menjadi Qualified ASEAN Bank (QAB). Menurut Bank Indonesia (BI), keempat bank itu memiliki modal inti di atas Rp 30 triliun sehingga mampu bersaing di kancah ASEAN.
Direktur Eksekutif Departemen Penelitian dan Pengaturan Perbankan BI, Mulya Siregar mengatakan dalam aturan multiple license (perizinan berjenjang) Bank Indonesia membagi bank umum dalam empat kelompok.
Bank Umum Kelompok Legiatan Usaha (BUKU) 1 adalah bank dengan modal inti Rp100 miliar sampai Rp1 triliun. BUKU 2 adalah bank bermodal inti Rp 1 triliun hingga Rp 5 triliun. BUKU 3 adalah bank dengan modal inti Rp 5 triliun hingga Rp 30 triliun. BUKU 4 yang merupakan bank dengan modal inti di atas Rp 30 triliun.
Dalam aturan yang menjadi turunan Arsitektur Perbankan Indonesia tersebut akan muncul QAB.
“Bank yang modal intinya mencapai Rp30 triliun, artinya bisa beroperasi secara penuh dalam skala ekonomis dan mampu bersaing di tataran ASEAN,” kata Mulya. Kriteria lain dari QAB masih didiskusikan bank-bank sentral ASEAN.
Berdasarkan laporan keuangan perbankan di BI, hingga September 2012 Bank Mandiri memiliki modal inti Rp51 triliun, BRI Rp45,6 triliun, BCA Rp38,1 triliun, dan BNI Rp34 triliun.
Jakarta (B2B) - The four largest banks in Indonesia; PT Bank Mandiri Tbk (BMRI), PT Bank Rakyat Indonesia Tbk (BBRI), PT Bank Central Asia Tbk (BBCA), and PT BNI Tbk (BBNI) have the potential to be Qualified ASEAN Banks (QAB). According to Bank Indonesia (BI), the four banks have core capital above Rp30 trillion (US$3.12 billion), enabling them to compete in the ASEAN region.
Executive Director of Research and Banking Regulation Department at BI, Mulya Siregar said in the multiple licenses (tiered permitting) regulation, Bank Indonesia divides banks into four groups.
Public bank operation group (BOOK) 1 is banks with core capital of Rp 100 billion to Rp 1 trillion. BOOK 2 is banks with core capital of Rp 1 trillion to Rp 5 trillion. BOOK 3 is banks with core capital of Rp 5 trillion to Rp 30 trillion. BOOK 4 is banks with core capital of more than Rp 30 trillion.
In the regulation that is the derivative of the Indonesia Banking Architecture, QAB is then established. "QAB are banks with capital of Rp30 trillion, meaning they can operate fully in economic scale and able to compete on the level of ASEAN region," Mulya said. Other criteria of QAB are still being discussed by ASEAN central banks.
Based on the banking financial statements at BI, as of September 2012 Bank Mandiri had a core capital of Rp51 trillion, BRI Rp45.6 trillion, BCA Rp38.1 trillion and BNI Rp34 trillion.
