Bank DBS Indonesia’s 5 strategies to help priority customers seize opportunities to optimise wealth | Bahasa
Indonesia.12 Feb 2025.3 min read
Indonesia, 12 Feb 2025 - Indonesia is one of the countries with a growing number of affluent and high-net-worth individuals (HNWIs). Data from the Deposit Insurance Corporation (LPS) show that in December 2024, the amount of deposits in bank accounts with more than Rp500 million grew by 4 percent, from IDR6.3 trillion to IDR6.5 trillion. In addition, the number of accounts with a nominal value of more than IDR500 million grew 4.4 percent, from 1.5 million accounts to 1.6 million accounts. Therefore, as a trusted partner in wealth management, Bank DBS Indonesia is committed to helping priority customers take every opportunity to optimise investment and business assets while helping them expand their wealth and cement their financial footprint across generations.
Consumer Banking Director PT Bank DBS Indonesia Melfrida Gultom shares some of the strategies implemented by Bank DBS Indonesia through DBS Treasures and Treasures Private Client to support priority customers, including:
1. Delivering Asia-wide connectivity & a global network to expand customers' investment & business horizons
Bank DBS Indonesia understands that each customer has unique financial needs, both as an individual and a business owner. Therefore, Bank DBS Indonesia provides solutions that integrate wealth management with corporate banking to support asset growth and business expansion. Customers are also equipped with data-driven market insights, digital business management solutions, and flexible funding options.
Connectivity with six countries where DBS Bank Ltd (DBS Bank) operates and the bank’s global network can also be utilised by DBS Treasures and Treasures Private Client customers. This allows customers to conduct cross-border transactions, thus expanding their investment and business reach.
2. Giving access to insights from reliable domestic and international experts
In an increasingly dynamic and complex market environment, accurate information, and insights are key to optimising wealth. In light of this, Bank DBS Indonesia has a team of regional experts, the Chief Investment Office (CIO), who actively analyse every signal, which is further refined by the team of experts in each country into a personalised wealth management strategy for each customer.
Moreover, Bank DBS Indonesia routinely organises exclusive discussions and networking events. One such event is DBS Spring Festival 2025. The theme of this year’s festival is “Year of the Wood Snake: The Trusted Radiant Path”. The event featured experts who shared the latest insights into the financial, business, and investment prospects of the Indonesian market as well as Feng Shui analysis in the Year of the Wood Snake. On this occasion, customers also had opportunities to network with fellow customers and the next generation.
3. Delivering experienced relationship managers & a team of experts with sharp strategies
To ensure that every financial decision made is aligned with long-term goals, customers need to exercise prudence in interpreting the insights gathered by experts. Bank DBS Indonesia's Relationship Managers and team of experts take on the role of curating signals, insights, and opportunities into sharp, relevant, and tailored strategies. They will proactively provide customers with advice on investment, savings, asset management, and long-term financial strategies.
In addition, customers can also discuss legacy planning strategies and get solutions in the form of investment and protection products that support optimisation of wealth and business for the next generation. Melfrida Gultom said, “As a bank that focuses on customer satisfaction, Bank DBS Indonesia understands that managing wealth is more than just about optimising assets as it is also about building a lasting and sustainable financial legacy for future generations.”
4. Providing customers with a wide range of banking products
After receiving expert insights and discussing wealth optimisation strategies with their relationship managers, customers now have all the information they need to implement these strategies and utilise the banking products offered by Bank DBS Indonesia.
Bank DBS Indonesia offers a variety of investment services and products, ranging from bonds, mutual funds, stocks, to environmental, social, and governance (ESG)–based investment products that can be handpicked based on the risk profile and financial goals of each customer.
As the adage “don't put all your eggs in one basket” suggests, these solutions also allow customers to diversify their portfolios. Diversification is crucial to reduce the impact of losses and increase profit opportunities from other investment instruments so that we can keep adjusting our portfolio to market conditions.
5. Ensuring reliable transaction security
Priority clients have substantial assets and often conduct high-value transactions, making them vulnerable to financial crimes such as fraud, account hacking, or identity theft. Therefore, maintaining transaction security is essential for wealth protection, privacy, and convenience.
Bank DBS Indonesia has also implemented two-factor authentication (2FA) and Know Your Customer (KYC) technology, which is carried out by utilising face recognition features that are directly integrated with Dukcapil, ensuring that customer data used to open accounts is authentic. Moreover, Bank DBS Indonesia is licensed and supervised by the Financial Services Authority (OJK) as well as Bank Indonesia (BI), and is a participant in the Deposit Insurance Corporation (LPS) guarantee. These protections, along with active customer education, ensure that customers can feel secure and confident as they invest and grow their wealth.
DBS Spring Festival 2025 also featured Angelina Fang, a Feng Shui expert from Feng Shui Consulting Indonesia. According to her, the Year of the Wood Snake (乙巳) 2025 brings in the energies of growth, strategy, and adaptation. The Wood element signifies sustainability, making this year the right momentum to strengthen financial foundations and long-term investments.
“Collaboration and networking are key to building a sustainable and resilient business. On the other hand, competition in various sectors will also get tighter, which calls for adaptive, creative, and flexible business strategies. Hence, we also need to consider using the services of experts to navigate the business to make smarter decisions and seize opportunities for business expansion,” said Angelina Fang.
Melfrida Gultom concurred, stressing that Bank DBS Indonesia is ready to support all customers' financial aspirations this year, both in investment and business. “We provide curated investment strategies, access to the best industry experts, and exclusive services designed to ensure every customer can maximise their growth potential. We believe that by being a reliable Trusted Wealth Partner, customers can navigate challenges and opportunities with confidence and build a strong financial foundation for the future,” she concluded.
Apart from the above strategies, Bank DBS Indonesia also offers a variety of exclusive services according to customer preferences and needs, such as memberships in international hotel networks, airport assistance, travel vouchers, and a selection of health and beauty services, and sports club membership.
For more information on DBS Treasures and Treasures Private Client, please visit dbs.id/id/treasures-id/.
Consumer Banking Director PT Bank DBS Indonesia Melfrida Gultom shares some of the strategies implemented by Bank DBS Indonesia through DBS Treasures and Treasures Private Client to support priority customers, including:
1. Delivering Asia-wide connectivity & a global network to expand customers' investment & business horizons
Bank DBS Indonesia understands that each customer has unique financial needs, both as an individual and a business owner. Therefore, Bank DBS Indonesia provides solutions that integrate wealth management with corporate banking to support asset growth and business expansion. Customers are also equipped with data-driven market insights, digital business management solutions, and flexible funding options.
Connectivity with six countries where DBS Bank Ltd (DBS Bank) operates and the bank’s global network can also be utilised by DBS Treasures and Treasures Private Client customers. This allows customers to conduct cross-border transactions, thus expanding their investment and business reach.
2. Giving access to insights from reliable domestic and international experts
In an increasingly dynamic and complex market environment, accurate information, and insights are key to optimising wealth. In light of this, Bank DBS Indonesia has a team of regional experts, the Chief Investment Office (CIO), who actively analyse every signal, which is further refined by the team of experts in each country into a personalised wealth management strategy for each customer.
Moreover, Bank DBS Indonesia routinely organises exclusive discussions and networking events. One such event is DBS Spring Festival 2025. The theme of this year’s festival is “Year of the Wood Snake: The Trusted Radiant Path”. The event featured experts who shared the latest insights into the financial, business, and investment prospects of the Indonesian market as well as Feng Shui analysis in the Year of the Wood Snake. On this occasion, customers also had opportunities to network with fellow customers and the next generation.
3. Delivering experienced relationship managers & a team of experts with sharp strategies
To ensure that every financial decision made is aligned with long-term goals, customers need to exercise prudence in interpreting the insights gathered by experts. Bank DBS Indonesia's Relationship Managers and team of experts take on the role of curating signals, insights, and opportunities into sharp, relevant, and tailored strategies. They will proactively provide customers with advice on investment, savings, asset management, and long-term financial strategies.
In addition, customers can also discuss legacy planning strategies and get solutions in the form of investment and protection products that support optimisation of wealth and business for the next generation. Melfrida Gultom said, “As a bank that focuses on customer satisfaction, Bank DBS Indonesia understands that managing wealth is more than just about optimising assets as it is also about building a lasting and sustainable financial legacy for future generations.”
4. Providing customers with a wide range of banking products
After receiving expert insights and discussing wealth optimisation strategies with their relationship managers, customers now have all the information they need to implement these strategies and utilise the banking products offered by Bank DBS Indonesia.
Bank DBS Indonesia offers a variety of investment services and products, ranging from bonds, mutual funds, stocks, to environmental, social, and governance (ESG)–based investment products that can be handpicked based on the risk profile and financial goals of each customer.
As the adage “don't put all your eggs in one basket” suggests, these solutions also allow customers to diversify their portfolios. Diversification is crucial to reduce the impact of losses and increase profit opportunities from other investment instruments so that we can keep adjusting our portfolio to market conditions.
5. Ensuring reliable transaction security
Priority clients have substantial assets and often conduct high-value transactions, making them vulnerable to financial crimes such as fraud, account hacking, or identity theft. Therefore, maintaining transaction security is essential for wealth protection, privacy, and convenience.
Bank DBS Indonesia has also implemented two-factor authentication (2FA) and Know Your Customer (KYC) technology, which is carried out by utilising face recognition features that are directly integrated with Dukcapil, ensuring that customer data used to open accounts is authentic. Moreover, Bank DBS Indonesia is licensed and supervised by the Financial Services Authority (OJK) as well as Bank Indonesia (BI), and is a participant in the Deposit Insurance Corporation (LPS) guarantee. These protections, along with active customer education, ensure that customers can feel secure and confident as they invest and grow their wealth.
DBS Spring Festival 2025 also featured Angelina Fang, a Feng Shui expert from Feng Shui Consulting Indonesia. According to her, the Year of the Wood Snake (乙巳) 2025 brings in the energies of growth, strategy, and adaptation. The Wood element signifies sustainability, making this year the right momentum to strengthen financial foundations and long-term investments.
“Collaboration and networking are key to building a sustainable and resilient business. On the other hand, competition in various sectors will also get tighter, which calls for adaptive, creative, and flexible business strategies. Hence, we also need to consider using the services of experts to navigate the business to make smarter decisions and seize opportunities for business expansion,” said Angelina Fang.
Melfrida Gultom concurred, stressing that Bank DBS Indonesia is ready to support all customers' financial aspirations this year, both in investment and business. “We provide curated investment strategies, access to the best industry experts, and exclusive services designed to ensure every customer can maximise their growth potential. We believe that by being a reliable Trusted Wealth Partner, customers can navigate challenges and opportunities with confidence and build a strong financial foundation for the future,” she concluded.
Apart from the above strategies, Bank DBS Indonesia also offers a variety of exclusive services according to customer preferences and needs, such as memberships in international hotel networks, airport assistance, travel vouchers, and a selection of health and beauty services, and sports club membership.
For more information on DBS Treasures and Treasures Private Client, please visit dbs.id/id/treasures-id/.
