State-Owned Banks Aim for Profits Through ATM Link Facelift

All ATMs belonging to state-owned banks are scheduled to finish integration in mid-2024, which will significantly reduce costs for ATM expansion by at least 25 percent.

Arlina Laras & Emanuel Berkah Caesario

28 Sep 2023 - 15.44
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State-Owned Banks Aim for Profits Through ATM Link Facelift

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Bisnis, JAKARTA — The introduction of the new ATM Link will bolster profits of state-owned banks, given the potential efficiency improvements offered by ATM Link's new services, estimated to increase banking efficiency by up to 25 percent.

Minister of State Owned Enterprises (SOE) Erick Thohir has encouraged the state-owned banks or Himbara to innovate by gradually integrating all Automated Teller Machines (ATM) and Cash Deposit Machines (CRM) under the management of PT Jalin Pembayaran Nusantara or Jalin.

The Himbara consists of four major banks with total assets accounting for nearly half of the national banking industry's total assets, totaling IDR4.563 trillion.

These four banks are PT Bank Rakyat Indonesia (Persero) Tbk. or BRI, PT Bank Mandiri (Persero) Tbk., PT Bank Negara Indonesia (Persero) Tbk. or BNI, and PT Bank Tabungan Negara (Persero) Tbk. or BTN. Additionally, Himbara jointly owns PT Bank Syariah Indonesia (Persero) Tbk. (BSI).

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