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BANK CENTRAL ASIA (BCA)

The Role of Intermediaries

Ni Nyoman Sri Amandari (1091001080)

Vision: Bank
Pilihan utama
andalan
masyarakat, yang
berperan sbg pilar
penting
perekonomian
Indonesia

More than 884


branch offices in
Indonesia

24/ 7 hotline call


services
24/7 ATM
services

What?

When?

Where ?

How?

Through Various
financial products
Through Customer
Services
Through
information based
on technology

BCA Products

Saving
Tahapan
T. Gold
T. Xpresi
Tapres
Giro
Deposit
BCA $

Credit
Card

Credit
Facilities

BCA Card
BCA Master
Card
BCA Visa

KPR
KKB
Supplier
Financing
Kredit
Ekspor
etc

Cash
Management
B2B
B2C
Payable
Management

Bank
garansi
Bid Bond
Performanc
e Bond
etc

BCA Products (Contd)


Forex
Spot
Forward
Swap
Derivati
ves

Banking
transactio
n

Export &
Import
Facilities

Auto
Debit
remittanc
e
Bank
Notes

Negotiation
(L/C)
Bankers
Acceptances
etc

EBanking
Debit
BCA
Tunai
BCA
Flazz
ATM BCA
Inet
banking
MBanking

Bancassurance
Provisa Max/Provisa
Platinum Max
Pro Series
OptiShield/OptiShield
Platinum
EduSave/EduSave
Platinum
MediSave Plus

Bancaassurance
Bancassurance
Provisa Max/Provisa
Platinum Max
Pro Series
OptiShield/OptiShield
Platinum

EduSave/EduSave Platinum
MediSave Plus

PROVISA MAX :
FAMILY INSURANCE
( 650RB/MTH)
EDUSAVE :
EDUCATION ( MIN
300 RB/MTH)
OPTISHIELD :
(LIFE & HEALTH
INSURANCE (MIN 300
RB/MTH)

The Role of BCA as Intermediaries


As created by
originating firm

AIA

Insurance

As Enhanced by
distributors

BCA

Bancassurance
Provisa Max/Provisa Platinum Max
Pro Series
OptiShield/OptiShield Platinum
EduSave/EduSave Platinum
MediSave Plus

As
Experienced
by Customer

AIA

Total
experienced
and benefits

Example of Disclamer :
Produk asuransi ini adalah produk asuransi milik PT AIA
Financial serta bukan merupakan produk dan tanggung
jawab PT BANK CENTRAL ASIA Tbk ("BCA"). BCA hanya
bertindak sebagai pihak yang mereferensikan atau
merekomendasikan produk asuransi PT AIA FINANCIAL.
Produk ini tidak dijamin oleh BCA dan tidak termasuk dalam
cakupan program penjaminan sebagaimana dimaksud dalam
ketentuan perundang-undangan mengenai lembaga
penjamin simpanan.

BCA tidak bertanggung jawab atas segala informasi serta


materi yang dimuat dalam brosur dari produk asuransi ini
berikut setiap perubahannya atau dokumen lain yang secara
resmi disetujui dan atau dikeluarkan oleh PT AIA FINANCIAL.

5 drivers influence AIA Strategies


Market
Customer claims &
complains, various
need in some
countries

Technology
( Several
companies provide
online document)

Competitive
Prudential, AXA,
Alliance

Cost

Government

Via distribution
channel, reduce
marketing cost

PP 39 tahun 2008 For


insurance companies

5 drivers influence BCA Strategies


Market
(Costumers needs in
difference countries,
accountability, asset)

Technology

Competitive

Struggling on MBCA & Inet-BCA

(BNI, Mandiri,BRI

etc )

Cost

Government

Economies of
scale(various
products support
operational cost)

USA PATRIOT ACT


(Anti Money
Laundering),
Peraturan Investment