PT Bank DBS Indonesia

What PT Bank DBS Indonesia does

PT Bank DBS Indonesia is a wholly-owned subsidiary of DBS Bank Ltd (SGX: D05) that operates as a full-service commercial bank in Indonesia, providing retail, wealth management, SME, and corporate banking services. The entity is domiciled in Indonesia under a PT (Perusahaan Terbatas) structure, with its head office located at DBS Bank Tower, 37th Floor Ciputra World 1, Jakarta. The business carries the full DBS Group product portfolio including the digibank mobile platform for retail customers, DBS IDEAL for corporate transaction banking and cash management, DBS DigiPortfolio and DBS Vickers for investment and securities trading, DBS PayLah! for mobile payments, and a tiered wealth management franchise comprising DBS Aspire (emerging affluent), DBS Treasures (high net worth) and DBS Treasures Private Client (ultra high net worth).

The bank generates revenue through four primary streams: Net Interest Income from lending (retail loans, mortgages, business credit facilities) offset by interest paid on deposits; Fee and Commission Income from transactions, wealth advisory, trade finance, and foreign exchange services; Digital Banking Services through platforms such as DBS DigiPortfolio; and Corporate Banking fees from cash management, trade finance, and working capital solutions. Distribution combines physical branches in key commercial districts with relationship managers dedicated to each wealth tier and digital platforms that handle account opening, transactions, and investments.

Underlying technology is anchored by an AI-enabled digital banking stack featuring the proprietary CSO Assistant supporting 1,000 customer service officers with 250,000+ monthly queries, the digibot chatbot, and the DBS Scam Defence anti-fraud system. The bank benefits from DBS Group-level brand and credit quality — Group is rated 'AA-' and 'Aa1' and has been named World's Best Bank and Asia's Safest Bank across multiple years — and the parent entity was recognized as World's Best AI Bank by Euromoney in 2025. Group-level financials for FY25 record SGD 13.1 billion profit before tax, SGD 11 billion net profit, and 16.2% ROE; Indonesia subsidiary-specific revenue and headcount are not disclosed in the available data.

Name

PT Bank DBS Indonesia

Legal name

PT Bank DBS Indonesia

Website

https://www.dbs.com/indonesia/en/default.page

Company type

Private

Founded year

1989

Operating status

Operating

Short description

PT Bank DBS Indonesia is a wholly-owned subsidiary of DBS Bank Ltd that operates as a full-service commercial bank in Indonesia, offering retail, wealth management, SME, and corporate banking services through digital platforms (digibank, DBS IDEAL) and tiered relationship-managed wealth products.

Ownership category

akta.pro rank

Product category

Retail and Corporate Banking

NAICS

Commercial Banking (52211), Commercial Banking (522110)

SIC

State Commercial Banks (6022)

akta.pro primary industry

SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)

akta.pro secondary industry

SME Cash Management & Payments (Merchant, ACH/Wires, Payroll) (FSABABAD)

Keywords

• Digital banking platforms
• Retail banking services
• Corporate banking services
• Wealth management solutions
• SME business banking

Headquarters

HQ city

Singapore

HQ country

Singapore

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Others

Revenue model

1. Net Interest Income: Interest income from lending activities including retail loans, mortgages, business loans, and credit facilities offset by interest paid on deposits
2. Fee and Commission Income: Transaction fees, wealth management fees, trade finance charges, and foreign exchange services
3. Digital Banking Services: Digital platform services including DigiPortfolio investment platform and transaction banking platforms
4. Corporate Banking: Institutional banking services including corporate cash management, trade finance, and working capital solutions

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels6 records

Core offering

PT Bank DBS Indonesia operates as a full-service commercial bank in Indonesia, providing corporate banking, SME financing, transaction banking, trade finance, cash management, foreign exchange, retail deposits, consumer lending, and wealth management services. As part of DBS Group's Asia-wide digital banking ecosystem, it delivers these offerings through digital platforms (digibank, DBS IDEAL, DBS DigiPortfolio, DBS PayLah!) combined with a physical branch presence.

Product overview

PT Bank DBS Indonesia operates as part of the DBS Group, offering a comprehensive digital banking ecosystem centered on the digibank platform, complemented by mobile payment solutions (DBS PayLah!), corporate banking services (DBS IDEAL), and investment platforms (DBS DigiPortfolio, DBS Vickers). The wealth management portfolio includes DBS Aspire, DBS Treasures, and DBS Treasures Private Client, serving customers across different wealth segments from emerging affluent to ultra-high-net-worth individuals. PT Bank DBS Indonesia also supports SME and business banking through the broader DBS network.

Differentiator

Problem solved

Functional benefit

Products and services

• digibank Primary digital banking platform providing mobile and online banking services for retail customers, including account management, transfers, payments, and digital account opening.
• DBS PayLah! Mobile payment application enabling peer-to-peer transfers, QR code payments, and digital wallet functionality for everyday transactions.
• DBS IDEAL Corporate digital banking platform providing transaction banking, cash management, trade finance, working capital, and foreign exchange services for business customers.
• DBS DigiPortfolio Investment platform combining human expertise with technology, offering ready-made portfolios for simplified investing.
• DBS Vickers Online securities trading platform for equities and investment products.
• DBS Aspire Banking service for emerging affluent customers with Total Relationship Value of INR 10 lakh or minimum monthly savings account balance of INR 2 lakh, offering zero forex mark-up on debit card and savings rates up to 5% per annum.
• DBS Treasures Personalized banking and wealth management service for high net worth customers with Total Relationship Value of INR 30 lakh and above, with dedicated relationship managers.
• DBS Treasures Private Client Bespoke wealth solutions for ultra-high-net-worth individuals with Total Relationship Value exceeding INR 6 crore, including estate planning and family office services.
• POSB Consumer banking sub-brand offering personal banking products and services alongside DBS branding.

Quantifiable outcome

• SGD 13.1 billion profit before tax in FY25
• +3 more outcomes

Named customers3 records

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Six partnerships are on record, tiered minor and core.

• Tung Wah Group of Hospitals (TWGHs)minorGTM or Marketing Partner · 14 July 2026DBS Hong Kong partnered with TWGHs for the Hong Kong Football Festival 2026, bringing interactive football experiences to children and community. DBS is Diamond Sponsor and Banking Partner for the Manchester City vs FC Internazionale Milano match.
• Samsung SecuritiescoreStrategic or Co-development Partner · 2 July 2026DBS and Samsung Securities forged strategic partnership to advance wealth management collaboration across Asia, combining respective strengths in banking and securities.
• VisacoreTechnology or Integration · 1 January 2026DBS and Visa are piloting real-world agentic AI use cases, with DBS being the first bank in Asia Pacific to pilot Visa Intelligent Commerce for everyday payments.
• ABC ImpactcoreStrategic or Co-development Partner · 1 January 2025ABC impact seals sustainability loan with DBS and UOB backing an impact fund with loan tied to social and green targets. Demonstrates commitment to sustainable finance.
• Sheng SiongminorGTM or Marketing PartnerDBS/POSB partnered with Sheng Siong supermarkets for DBS Saturday Savings program offering grocery discounts to customers.
• GiantminorGTM or Marketing PartnerDBS/POSB partnered with Giant supermarkets for expanded DBS Saturday Savings program across 129 outlets islandwide.

Scale indicators8 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Bank Central Asia (BCA): Indonesia's largest privately-owned commercial bank, dominant in retail, SME, and corporate banking with extensive branch and digital network. Directly comparable to PT Bank DBS Indonesia as a full-service commercial bank competing across all major Indonesian segments.
• Bank Mandiri: Indonesia's largest state-owned commercial bank by assets, offering retail, SME, corporate, and treasury services. Comparable to DBS Indonesia in full-service commercial banking scope and in competing for institutional and SME mandates.
• Bank Rakyat Indonesia (BRI): State-owned bank with the deepest micro/SME and consumer footprint in Indonesia through its branch and agent network. Highly comparable to DBS Indonesia on SME and retail banking intent, though BRI operates at vastly greater scale in the mass-market segment.
• Bank Negara Indonesia (BNI): State-owned commercial bank with strong corporate, institutional, and consumer banking businesses in Indonesia. Directly comparable across SME, corporate, and digital banking segments where DBS Indonesia competes.
• Bank CIMB Niaga: Indonesia's largest foreign-affiliated bank (subsidiary of Malaysia's CIMB Group), offering full-service retail, SME, and corporate banking. Highly comparable to PT Bank DBS Indonesia as a regional-bank subsidiary competing in Indonesia across similar segments.
• Bank OCBC NISP: Subsidiary of Singapore-based OCBC, offering retail, SME, and corporate banking in Indonesia. Closely comparable to PT Bank DBS Indonesia in business model — Singapore parent, Indonesian subsidiary competing in wealth, SME, and corporate segments.
• UOB Indonesia: Indonesian subsidiary of Singapore-based United Overseas Bank, providing retail, SME, and corporate banking. Directly comparable to PT Bank DBS Indonesia as a fellow Singapore-headquartered bank's Indonesian franchise competing on cross-border ASEAN banking.
• HSBC Indonesia: Indonesian subsidiary of global bank HSBC, focused on corporate, institutional, and premium wealth banking. Comparable to DBS Indonesia on the corporate/institutional and wealth segments, particularly for multinational clients operating across ASEAN.
• Standard Chartered Bank Indonesia: Indonesian subsidiary of Standard Chartered, with a corporate and institutional banking focus plus selected wealth management. Comparable to DBS Indonesia on cross-border corporate banking and emerging-affluent wealth in Indonesia.
• Bank Maybank Indonesia: Subsidiary of Malaysia's Maybank, offering retail, SME, and corporate banking in Indonesia. Comparable as a regional-bank subsidiary competing in similar segments with a similar cross-border ASEAN orientation to DBS Indonesia.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/dbs-bank

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments9 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about PT Bank DBS Indonesia