DBS Treasures leads amid volatility, NPAT surges 289% YoY with expert insights-driven global wealth strategy | Bahasa
Indonesia, 18 Jun 2026 - PT Bank DBS Indonesia, through DBS Treasures, has strengthened its position as a trusted wealth management partner with an advisory-led approach that combines global insights, latest technology, and proactive wealth strategy personalisation through Relationship Managers and timely digital notifications. As of May 2026, DBS Treasures has posted a significant net profit after tax (NPAT) growth of 289% year-on-year (YoY), exceeding its budget target, set at 157%. The growth was accompanied by a 73% increase YoY in the number of new customers, in line with growth expectations, while wealth penetration remained stable.
Consumer Banking Director PT Bank DBS Indonesia Melfrida Gultom said, “In recent years, we have observed a significant shift in the behaviour of affluent clients, particularly in market conditions shaped by geopolitical uncertainty and global volatility. This evolving landscape has become a key focus for us, reinforcing our commitment to delivering a wealth management strategy grounded in objective and comprehensive insights, focused on identifying opportunities, providing actionable recommendations, and tailored through a personalised, client-centric approach.”
Year-to-date (YTD) data as of May 2026 showed that the IHSG corrected by nearly 30% while foreign capital outflows reached approximately Rp41.16 trillion. The global and domestic market uncertainty has led to a downward trend in interest rates and an increasingly stiff banking promotional competition throughout 2025.
Entering 2026, with interest rates following an upward trend, Bank DBS Indonesia continued to post growth, supported by increasing customer appreciation and a solid satisfaction score. This followed the success of more personalised portfolio recommendations through the integration of regional investment insights from DBS Chief Investment Office (CIO) and machine learning technology into investment advisory.
Thanks to this stellar performance, Bank DBS Indonesia was named Best Private Bank 2026 by FinanceAsia. This recognition complements Bank DBS Indonesia’s investment capabilities, supported by DBS CIO, which was named Best CIO in Asia by The Asset Triple A. This also strengthened Bank DBS Indonesia’s position as a trusted partner for customers in managing and growing wealth across generations.
How is Bank DBS Indonesia approaching investment diversification today?
Global uncertainty continues to be shaped by trade policies, geopolitical developments, and inflation that remains above the Federal Reserve’s target. In the US, Personal Consumption Expenditures (PCE) inflation stood at 3.5% year-on-year in March 2026, exceeding the Federal Reserve’s 2% target, suggesting that interest rates may remain higher for longer. Amid these external pressures, Indonesia’s economy has continued to demonstrate resilience, growing 5.61% YoY in the first quarter of 2026. This environment presents opportunities for investors to build diversified portfolios through a combination of defensive and growth assets.
Head of Investment & Insurance Product PT Bank DBS Indonesia Djoko Soelistyo said, “2025 was a challenging year for global markets, marked by elevated uncertainty, interest rate adjustments, and intensifying competition. As we enter the second half of 2026, market volatility is expected to remain high, but strategic opportunities continue to exist for long-term investors. In this complex market environment, the DBS CIO Office advocates a conviction-led approach focused on clear and actionable investment diversification strategies.”
One of DBS CIO Office’s key investment strategies is to maintain an overweight position in gold as a defensive asset. This view is supported by a 74% increase YoY in global gold investment demand by value in the first quarter of 2026, while demand for gold bars in Indonesia rose by 47%. In line with this outlook, Bank DBS Indonesia became the first bank to provide access to the global gold market through a Discretionary Fund Management Mandate (KPD), with a minimum investment of IDR5 billion. In addition, Bank DBS Indonesia continued its resilient growth, supported by 16 newly curated investment products designed to strengthen customers’ portfolio resilience while expanding access to investment opportunities that remain relevant across different market conditions.
How does Bank DBS Indonesia connect customers to global opportunities?
Bank DBS Indonesia integrates global insights from the regional CIO Office with AI and machine learning technologies to deliver personalised investment strategies. These insights, personalised to match customer aspirations and financial goals, are shared with customers via WhatsApp and email, and are subsequently discussed with their assigned Relationship Managers. Customers can then act on these recommendations quickly through the DBS digibank app, which is available 24/7. Bank DBS Indonesia is part of the strong DBS Group network, one of Asia’s largest wealth managers. With a presence across Indonesia, Singapore, Hong Kong, Taiwan, China, and India, Bank DBS is well positioned to provide expert insights that are closely aligned with wealth trends across these markets.
Head of Consumer Banking Segment & Liabilities Product PT Bank DBS Indonesia Natalina Syabana said, “DBS Treasures’ approach to serving customers is reflected in its ‘Trusted Partner for Every Goal’ campaign, delivered through insights-driven wealth management, highly personalised advisory services, and a series of expert-led discussions focused on building and preserving wealth across generations. Beyond this, exclusive programmes such as DBS Expert Connection and DBS NextGen Excursion provide valuable opportunities for personal and business development for customers and their next generation. These programmes focus on preparing participants for the industries of the future, covering topics ranging from disruptive innovation, AI, and digital assets to sustainable business practices.”
Going forward, Bank DBS Indonesia remains committed to delivering sharp insights, personalised strategies, and relevant, innovative solutions for both personal and business investments. This approach prioritises sustainable long-term asset growth while helping customers navigate economic uncertainties and achieve their financial goals with greater confidence.
About DBS
DBS is a leading financial services group in Asia with a presence in 19 markets. Headquartered and listed in Singapore, DBS is in the three key Asian axes of growth: Greater China, Southeast Asia and South Asia. The bank's "AA-" and "Aa1" credit ratings are among the highest in the world.
Recognised for its global leadership, DBS has been named “World’s Best Bank” by Global Finance, “World’s Best Bank” by Euromoney and “Global Bank of the Year” by The Banker. The bank is at the forefront of leveraging digital technology to shape the future of banking, having been named “World’s Best Digital Bank” by Euromoney and the world’s “Most Innovative in Digital Banking” by The Banker. In addition, DBS has been accorded the “Safest Bank in Asia” award by Global Finance for 17 consecutive years from 2009 to 2025.
DBS provides a full range of services in consumer, SME and corporate banking. As a bank born and bred in Asia, DBS understands the intricacies of doing business in the region’s most dynamic markets.
Established in 1989 as part of the Singapore-based DBS Group, PT Bank DBS Indonesia (Bank DBS Indonesia) is one of the banks with the longest history in Asia. Currently operating 1 Operational Head Office, 13 Branch Offices, 14 Sub-Branch Offices, 32 ATMs spread across major cities and 2.861 active employees in 15 major cities in Indonesia, Bank DBS Indonesia provides comprehensive banking services that focus on the customer experience to 'Live more, Bank less'. We also see a purpose beyond banking and are committed to supporting our customers, employees, and the community towards a sustainable future.
PT Bank DBS Indonesia is licensed and supervised by The Indonesian Financial Services Authority (OJK), and an insured member of Indonesia Deposit Insurance Corporation (LPS).
DBS is committed to building lasting relationships with customers, as it banks the Asian way. Through the DBS Foundation, the bank creates impact beyond banking by uplifting lives and livelihoods of those in need. It provides essential needs to the underprivileged, and fosters inclusion by equipping the underserved with financial and digital literacy skills. It also nurtures innovative social enterprises that create positive impact.
With its extensive network of operations in Asia and emphasis on engaging and empowering its staff, DBS presents exciting career opportunities. For more information, please visit www.dbs.com.
Consumer Banking Director PT Bank DBS Indonesia Melfrida Gultom said, “In recent years, we have observed a significant shift in the behaviour of affluent clients, particularly in market conditions shaped by geopolitical uncertainty and global volatility. This evolving landscape has become a key focus for us, reinforcing our commitment to delivering a wealth management strategy grounded in objective and comprehensive insights, focused on identifying opportunities, providing actionable recommendations, and tailored through a personalised, client-centric approach.”
Year-to-date (YTD) data as of May 2026 showed that the IHSG corrected by nearly 30% while foreign capital outflows reached approximately Rp41.16 trillion. The global and domestic market uncertainty has led to a downward trend in interest rates and an increasingly stiff banking promotional competition throughout 2025.
Entering 2026, with interest rates following an upward trend, Bank DBS Indonesia continued to post growth, supported by increasing customer appreciation and a solid satisfaction score. This followed the success of more personalised portfolio recommendations through the integration of regional investment insights from DBS Chief Investment Office (CIO) and machine learning technology into investment advisory.
Thanks to this stellar performance, Bank DBS Indonesia was named Best Private Bank 2026 by FinanceAsia. This recognition complements Bank DBS Indonesia’s investment capabilities, supported by DBS CIO, which was named Best CIO in Asia by The Asset Triple A. This also strengthened Bank DBS Indonesia’s position as a trusted partner for customers in managing and growing wealth across generations.
How is Bank DBS Indonesia approaching investment diversification today?
Global uncertainty continues to be shaped by trade policies, geopolitical developments, and inflation that remains above the Federal Reserve’s target. In the US, Personal Consumption Expenditures (PCE) inflation stood at 3.5% year-on-year in March 2026, exceeding the Federal Reserve’s 2% target, suggesting that interest rates may remain higher for longer. Amid these external pressures, Indonesia’s economy has continued to demonstrate resilience, growing 5.61% YoY in the first quarter of 2026. This environment presents opportunities for investors to build diversified portfolios through a combination of defensive and growth assets.
Head of Investment & Insurance Product PT Bank DBS Indonesia Djoko Soelistyo said, “2025 was a challenging year for global markets, marked by elevated uncertainty, interest rate adjustments, and intensifying competition. As we enter the second half of 2026, market volatility is expected to remain high, but strategic opportunities continue to exist for long-term investors. In this complex market environment, the DBS CIO Office advocates a conviction-led approach focused on clear and actionable investment diversification strategies.”
One of DBS CIO Office’s key investment strategies is to maintain an overweight position in gold as a defensive asset. This view is supported by a 74% increase YoY in global gold investment demand by value in the first quarter of 2026, while demand for gold bars in Indonesia rose by 47%. In line with this outlook, Bank DBS Indonesia became the first bank to provide access to the global gold market through a Discretionary Fund Management Mandate (KPD), with a minimum investment of IDR5 billion. In addition, Bank DBS Indonesia continued its resilient growth, supported by 16 newly curated investment products designed to strengthen customers’ portfolio resilience while expanding access to investment opportunities that remain relevant across different market conditions.
How does Bank DBS Indonesia connect customers to global opportunities?
Bank DBS Indonesia integrates global insights from the regional CIO Office with AI and machine learning technologies to deliver personalised investment strategies. These insights, personalised to match customer aspirations and financial goals, are shared with customers via WhatsApp and email, and are subsequently discussed with their assigned Relationship Managers. Customers can then act on these recommendations quickly through the DBS digibank app, which is available 24/7. Bank DBS Indonesia is part of the strong DBS Group network, one of Asia’s largest wealth managers. With a presence across Indonesia, Singapore, Hong Kong, Taiwan, China, and India, Bank DBS is well positioned to provide expert insights that are closely aligned with wealth trends across these markets.
Head of Consumer Banking Segment & Liabilities Product PT Bank DBS Indonesia Natalina Syabana said, “DBS Treasures’ approach to serving customers is reflected in its ‘Trusted Partner for Every Goal’ campaign, delivered through insights-driven wealth management, highly personalised advisory services, and a series of expert-led discussions focused on building and preserving wealth across generations. Beyond this, exclusive programmes such as DBS Expert Connection and DBS NextGen Excursion provide valuable opportunities for personal and business development for customers and their next generation. These programmes focus on preparing participants for the industries of the future, covering topics ranging from disruptive innovation, AI, and digital assets to sustainable business practices.”
Going forward, Bank DBS Indonesia remains committed to delivering sharp insights, personalised strategies, and relevant, innovative solutions for both personal and business investments. This approach prioritises sustainable long-term asset growth while helping customers navigate economic uncertainties and achieve their financial goals with greater confidence.
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About DBS
DBS is a leading financial services group in Asia with a presence in 19 markets. Headquartered and listed in Singapore, DBS is in the three key Asian axes of growth: Greater China, Southeast Asia and South Asia. The bank's "AA-" and "Aa1" credit ratings are among the highest in the world.
Recognised for its global leadership, DBS has been named “World’s Best Bank” by Global Finance, “World’s Best Bank” by Euromoney and “Global Bank of the Year” by The Banker. The bank is at the forefront of leveraging digital technology to shape the future of banking, having been named “World’s Best Digital Bank” by Euromoney and the world’s “Most Innovative in Digital Banking” by The Banker. In addition, DBS has been accorded the “Safest Bank in Asia” award by Global Finance for 17 consecutive years from 2009 to 2025.
DBS provides a full range of services in consumer, SME and corporate banking. As a bank born and bred in Asia, DBS understands the intricacies of doing business in the region’s most dynamic markets.
Established in 1989 as part of the Singapore-based DBS Group, PT Bank DBS Indonesia (Bank DBS Indonesia) is one of the banks with the longest history in Asia. Currently operating 1 Operational Head Office, 13 Branch Offices, 14 Sub-Branch Offices, 32 ATMs spread across major cities and 2.861 active employees in 15 major cities in Indonesia, Bank DBS Indonesia provides comprehensive banking services that focus on the customer experience to 'Live more, Bank less'. We also see a purpose beyond banking and are committed to supporting our customers, employees, and the community towards a sustainable future.
PT Bank DBS Indonesia is licensed and supervised by The Indonesian Financial Services Authority (OJK), and an insured member of Indonesia Deposit Insurance Corporation (LPS).
DBS is committed to building lasting relationships with customers, as it banks the Asian way. Through the DBS Foundation, the bank creates impact beyond banking by uplifting lives and livelihoods of those in need. It provides essential needs to the underprivileged, and fosters inclusion by equipping the underserved with financial and digital literacy skills. It also nurtures innovative social enterprises that create positive impact.
With its extensive network of operations in Asia and emphasis on engaging and empowering its staff, DBS presents exciting career opportunities. For more information, please visit www.dbs.com.
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Awards
World's Best Bank 2025, 2018 - 2022
Euromoney, Global Finance, The Banker
Asia’s Safest Bank, 2009 – 2025
Global Finance
