Endgame with Gita Wirjawan - Steffano Ridwan: Pimpin Bisnis dengan Menanamkan Nilai Kemanusiaan

Episode Date: February 25, 2025

CEO Maybank Indonesia, Steffano Ridwan, berbicara tentang filosofi dan komitmen mereka, “Humanising Financial Services”. Selain itu, Steffano juga mengupas bagaimana bank konvensional, fintech, dan institusi keuangan lainnya dapat bekerja sama di era kolaborasi seperti hari ini. Terakhir, beliau juga memberikan tips kepemimpinan dan bisnis—merefleksikan dari kesuksesan Maybank Group yang baru saja memenangkan 2024 Time World’s Best Company.Dalam percakapan ini, Gita Wirjawan mengangkat anekdot-anekdot yang belum pernah dibahas sebelumnya terkait usaha kecil dan mikro, persepsi masyarakat lokal terkait ekspor, hingga pandangannya soal dampak terpilihnya Trump terhadap ekonomi dunia.#Endgame#GitaWirjawan#MaybankIndonesia-----------------Episode Endgame lainnya yang mungkin juga Anda sukai:Sejarah Uang dan EvolusinyaFaisal Basri: Prioritas Kita Berbenah, Bukan PindahArah Ekonomi di Era Pemimpin Baru - Hendri Saparini-----------------Jelajahi dan diskusikan lebih lanjut episode ini di:https://endgame.id/-----------------Untuk ajakan kolaborasi dan kerja sama, hubungi kami di sini: https://sgpp.me/contactus-----------------Ikuti akun instagram Narrator kami di:maybankidbapaksteff-----------------Episode ini dipersembahkan oleh:https://www.maybank.co.id/-----------------‘Mata kuliah’0:00:00 - Intro 0:03:17 - Latar belakang Steffano Ridwan0:09:50 - Bank regional, berprestasi internasional0:19:59 - Pentingnya nilai dalam perusahaan0:25:28 - Transisi digital, fintech, tech bubble burst0:35:21 - UMKM dan prinsip syariah0:47:48 - Ekonomi makro0:53:16 - Persepsi ekspor di kalangan masyarakat0:57:36 - Ekonomi dunia: Trump, suku bunga, AI1:03:38 - SDM1:13:31 - Ciri pemimpin1:16:40 - Pesan untuk sesama institusi finansial

Fintech and bank is it of Saling together because same same same we need to be able to funding, if you know backer money

to come, who's quite, backer money to get backer up up to be a two years. Bank also need to

make make sense because not all the bank can't be born by bank if we can't if we can't hand in the

collaboration, why not actually? So this is a breath of fresh air, but also, the innovation has to do not be able to do. This, if I mean I'm thinking with humanization of financial service, that differentiating that's not, if it's the bank of the other?

It's not because to build a process that consistent, there's values in the in the initiatives that did inatticept that. Values that not just made for the matter for branding, but consistency, yeah, with commitment and other and other. May Bank,

made the philosophy humanizing financial services, focused on the problem the humanizing individual with layan inclusive and empathy, and be commitment to make make a solution financial for communities that need to. We live in the world that

that's always be where technology and innovation and innovation and the power but in the middle of the one of the one of

one of the need to get to be made, and be-dugue, and di-hargay as a philosophy

humanizing financial services that is used by MayBank. For May Bank, May Bank, layan and not only

about product or This is about to about what's really need to be needed by each individual. May Bank is for the opportunity and can't

with a linean inclusive, orientations for solutions and that's important, and that's may bank that's

that each the little that they're making make the impact because, because at the Layananer of money-asiati is

layanian that human-manusia. This also also focused discussion with Stefanurit-1, CEO Maybank Indonesia, which men-eneked that humanizing financial services not just philosophy, but, making commitment to give a solution financial

with a sentuhan empathy, especially for the community that most important Enjoy the show. Hello, time, today we're coming to gettangan

Bapano Ridwan aslakenan from Maybank, Indonesia. Steph, thank you. Can't be here. Thank you.

Thank you, thank you, Pat, Atas, Yeah. Yeah. Uh, I want to

how, how much process upbringing, Pa, Stefano Ritwan. When Kece,

the person people people, that, and, and, process, of the process of the small

to from the school, to go to Oklahoma State University. That's how, okay. Okay, uh, back again, thank you,

again, so a commotan for me also, sharing, also, with you and time, time,

time, and, did notee, and didacring by the time, to be able discipline, have

discipline that's good and how much to make in work to do you how we're how we're

what we've what we've got as simple as as a man. If we can that, that we've got able, we have

have to have been even a piece of the last part of we have we're going and it's not,

what we've what we've been and the other than the other to makehousing the other

as a lot as a lot of best of as far as if I'm saying I'm must be able to be able to

be able to and this is an ajaran ajaran that that's always my

my dad my my wife my my father from from my second

and if I can't also that's something that we want to

we can't that we has it's just merriing it, not be given. Artin

if I want to buy, if I'm, oh, it's a time of walkitoki like so simple that.

Yeah, you have to abung, you have done, and then then it's just enough, and then

it's just, and then it's not did get that's so much that's a one of

I think because, because, because I, I'm like I, who's like as bankers.

Now, the only can't manage financial with good, yeah, manabung with enough,

manharmes what we'll give him people, and also what name it's been disimbinging

time management because time management very important so. So, so, so, it's from

current very perpengarue. Now, then from the time, I'm, I'm, it's,

I'm, since I, I, since I was M.A. It's, every time I was, I'm going to goadine Jalajah, I always are aggum, pagu, Pat Gita, and we look, but why, why, why you know, bonguedonged the same. If we had to bea, bank, bang,

so, I'm going to be since S&A, that I always be a bit of a moment. One of the time, if I'm going to do with, I'm going to be able to I'm going to be able to come from there, time, time, I said to be it, while it's a lot of it, my friends, I remember, I was

I remember one of the building that I was the same thing I'm going to runne to, I said, I'm going to work in there. Wow. Tawks, one of a mobile. Wow, you're mimpied, Steph. Yeah, it's not, no, it's not.

That's all right, after I'm, I was at school, I, were curfewy in America. Yeah, I'm, I'm am aspiration as to be school to US. Now, why, US, because I to learn from laboring and

the other than the other thing. Many that we can learn from US as a lot of one of the country in the world

in the world, with a bunch of curriculum and and so again, I'm going to make to America while even the people,

I'm going to give me to get to German. Yeah, I'm, to German. Because, in German it

there's a other also who's become doctor in there. Now, aspirations is maybe from from the people from from people, can

come to German. Now, just I'd do-in' less in the class also, not biter-pinter, that's, I'm going to

listen to less German, when the test, got the number one, because it's not being in-hatt- yeah,

not-be-a-hati, mawonting to America, so, yeah, so, yeah, and, yeah, we've, cut-kid,

not to German, but to America. Now, why, at Oklahoma, State University too, We can we, we know that

it's a one of a small water in Oklahoma. And Oklahoma is also very unique, and with tornado, that the pusatting tornado, and then, when I was, I thought I'd come to

another, I thought, tornado, it's just angin-puyo, that's, even when the police did show to basement, we're all, that,

we're all right, we're saying, we're saying, we're saying, we're saying, we're saying, this, this,

like, it's about, it's about, it's about They're going to bunker, all. I still, we can't. We've got to make me

too, coring the lot, yeah, I've got to be able to lobby but we can't, but we can't get getter, like, we're going to be able to, now, we're going to be in mind, now, we're going to be able tolis. Now, Sainte, also,

also, a unique, the city, who's that's known with oil, and, the three, cowboys and indiannia also, so, I'm going to say I'll pick,

other than the cost of restable at that time. And the the only surprise, in Oklahoma State, also, it's a lot of across the United States. Kuala Mastrichton University of Water at a time,

then I was agate, oh, it's not, oh, it's not, the malls yet not at the same Walmart, that's bough 24-hour-out-n-nuchamp. It's almost

300 people in-Nusia in the state-a-cote-cote-cote. And, banyan-signor, we're here, our, yeah, and, you're-same, and, and, and, so,

So again, that's why I end up in Oklahoma State University. In the journey of the life for the for the putusan of school, that's that more than the other people? From the other people, from the two of the two of the from the, because I'maacan, she's book bekerja. Okay.

Now, Ibu, but many who who can't do research, in library and sogain and I'm also, I'm providing, I'm just giving an option to the There's two, three schools, with discussion with, I'll cut off at least at the University

at that. I'm at the other, or bekerja or? Belial, I'm not. Yeah, but, but, but, but, but, there's a small and

the other, and, so, you know, and you've been profesy, in per-banked too long,

yeah, and, and, if I look, this is, really, it's very good way of the and why at May Bank and what

that's the big bank from the institution line before you. Yeah, yeah, it's up to be work, almost 29 years

actually, yeah, now, why May Bank? Yeah. Mee Bank, I see, this is one bank one bank

bank also, the biggest in Asia, and the Uyghur. Now, as a bank that's in Malaysia, bank this has been making culture,

actually, which is the culture we're like like, we're like, we're more more than people and

and so much like culture culture, culture java, so. So, that, the other,

bank is, ...emiliquing business that's all end-to-end. So, not only banking but, but also also, also, asset management, have also,

the same the security business, then, also also, insurance, so, so connomeration that's a

non-nouration, now, then, also exists, there in 18 negat, so, so,

so, um, so, um, business that's, and, so, that's why I

believe me bank also in Indonesia and in Indonesia itself. If we can think it's actually the history,

the bank this bank this name is bank B.I. Bank that's been able to since the 1559.

Bank that have been one of one of one of a strike in Indonesia as as

innovator, maybe some other product like per bankan like card to credit yeah

machine cash deposit machine like it debit card even internet banking that's from bank B.I. Now,

it's been acquired by MeBank that in 2000 and, but it was a new bank in Indonesia 2015. Now, this is a one of a perpaduan actually,

between regional capability from May Bank Group, which exists 18 negat. Lackett than various business with,

with the local banking itself, which means even innovation strength in Indonesia and as one of the bank

the best bank at that's why that's why I'd like I think about with expectation many times potential that can't be galley

from this one one big in Indonesia in the last five years and before this is by time

as back as bank the institution the bestucing number 103 3 so, tellin,

that attribute what is what isg and other, how May Bank can be in the

price of paying upon the thing? It's not award this award that because

it's a time best bank in global bank is a global bank and there's a

million bank or organization of the company not only bank and including

put competes in there and we we can't Bempeng Group also made up against 3, but it's not

but it's not bad because the other people are lapis, you know, from three layers to see the cost of nasabah,

then again also internal employee, and then again also the third, the contribution what the organization this has been given to

the community and other than and the other three layers that the third and thentune and certainly we as part

Bepeng Group Memeng Indonesia also, I'm also, and this is a spot of motivation also for us.

To how much can't be doing what we're doing, we can't use our values to be able to give them

for the people for the people in Indonesia, and also to all the partner partner loyal

we, we, we, one, one, one, one, the values,

that we can't, and we can, sometimes that we're I'm called the name humanizing financial services. So, so, so much can be partanking,

people are only doing product, and the service, yeah. But at Mebeng, we've got an approach that's different that's making humanizing financial services this. Now, what is the, I'm saying,

humanizing financial services this is, this is a bit of a predicate principle that, where it's been to be in-depant-curement, transparency, make-depatting also inclusivitize,

and, again, mened-depantan-giveness to everyone national our. And, of course, we're not making, we're making, the solution for nas-abat.

It's been a center of the strategy, and also the part of the center of operational we. So, whatever we can do, strategy, this is for nasabah, customer center city,

if we can be able to simple. This is a strategy for we're making a solution, financial,

like we're the person, the product and even service to all the customer we, that.

That's differentiation that not, if it's if if it's than

with bank the bank that other. Is, is this strategy

that's such did doot? Human of figures or financial services. Yeah. If we can't, maybe I don't

be cation of bank, but more than in Maybank, I'm not much to be done. I'm not much to be done. Because to be able to build a brand, it's a good consistency to make it. Pendipotting financial services this has been done, it's really quite long as well.

Yeah, since 2000, It's been to back. Since 2012, move to back. One of the one is we're working this. Not only only come to cabang,

buy product or buy service, but it can be done with a way that. Contonial, with the way humanizing that, with normalizing that,

with work, with workeraghererer with work together, with doing something with one of the one of the, if, if,

if, if, if, if, you've, I've ever heard, we've called, we've been called Membeng Marathon. Okay.

Yeah, now, mebeng Marathon this is done since the year 2012. And this is in Bali,

right. Now, this also one, the people are social-suitanning financial services, but, banking

melanchoing melaraga with a way more fun, a way more more, more,

and motivati-a- social-and- together. This is, this is actually Consistence has done since 2012, so, after 2012, until the day,

that's why, I'm not much, because consistency it was not, to make events like this, also very complex. Membun brand

this is not much. Until today maybe Marathon that, made back on recognition as the only elite levels

in Indonesia, Marathon in Indonesia, without added labels by World Aletik. So, so, it's been

of the best marathon in Indonesia. And the part of the other than in 2004, that also too much, 13,000 runners that's that they're going to be it, half 50 from the country, that's different, that. And so, it's been to beaghaned Indonesia.

And in the event, even, even, we've gendenged many, uh, so, um, unisoning financial services, that did, but we're also bundle, with, with usa of the clansuptain,

and we can't process, Bali also to Bank Indonesia to the people of Indonesia, we need to

we're not we're there's a opportunity how much we're doing resumasuriked Bali

with men mows with hivogues Bali even back we've got on the last we

we're also process that issue that in Bali also also issue that's

serious yeah if there other people people who have people commenter, yeah,

that's, that's in the other we've gotting also, how can't be able to be matter of ways management,

yeah, sample organic that we're doing that we did that we did that we did that so much,

so many the we're getting in there, reshame with community, how much to be

to be able to give them for the community in Bali, this is what is

what, yeah, the need of the need to be fulling to think the

perilaku consumer, that's better. Yeah. And if I can't, and if

one one, or one, and one from three attributes attribut

and customer centricity, ISG or sustainability, and the three, taution,

this, this, this, this, this, and the, same, one,

the, right. Right. Okay. So it's not mutually exclusive or independent, one and the same line, yeah? Yeah. So, it's more we're coming with the other,

the one other, the one other. That's right, yeah. So, this is all around. Because if we're turning it separately, so it's a slow, nant. Yeah, because, I'm going to beckx. Yeah. Automatic, growth, it,

will come, if fundations is quite, initiations that's true, as far as we mean, we can't make,

people, we can't really, that means of the initiative that we, values that's in not just made, but for branding,

but consistency, with commitment, and, like, and other, other, other, other than, other, other than,

the example, like, mapping marathon that, that, that, that, that, it's, it's,

it's not much, because, to make upbucking a process that consistent until can be able to be able

to be able to begated by massacat Indonesia. That's many people and people and people

and people are who are there I'm going to get me 2025 this as big because of my policy.

But, but what I am I'm concerned if we're looking Amazon, he philosophic is a bit more

that's almost same and a bit. He also, he's also, the attribute. The first, customer centricity. The second, innovation. The third,

cost management. If this is different, maybe only to be related with and related to sustainability or

ESG. If he he's making the customer centricity, cost management, and innovation. see. Pandanan?

How about, staff? Right. Actually, each organization, I'm making a million money and money money. But, but I'maq.

But in May Bank, we have some priorities, that we're that's true, one customer satircity. This is just with humanizing

financial approach that day, that genin, transparent, the fair, yeah, that's exclusivitus,

yeah, that's one one of the main, the second, yeah. The second earlier,

we've got by, we've got sustainability, because we also want to make make make sure,

that there's that we can give us to give us and then also, community, there's about

community, there's environment, that it's important that, that's because,

we're, because we want to something that we can we've also people the next generation.

Even from from financing, we're doing from funding, transition to renewable energy and other. Perjazzamed with communities, how can be able to business businesses and a lot of different

associations, like, such asocean, like, such as well as, and other, and so, so, this is one of the pillar. The third, also with with MEPBing Group

we are in 18 agarra artinging we need to build a regional connectivity that right and

can't be help people who retail if they're retail if they want to make up

the work in and out we can help we can facilitate we can facilitate we're we're using

and in 4 also there there's one value again we're we can't we've been doing

consistent since 2013, that is that is Sharia First. This is this one new new newly

we're doing that we're that we've got done since 2013. Inh in 2004 we've got to

not Chariha First again but it's also the Sharia Accordation Now in in 2000 2003 we're in 20002

3 Akir, we also launched the name Sharia Wall Management with five pillar Well, why Sharia

is important and and it's one of the focus segment we're, focus on the focus strategy and focus values because we know Indonesia is one one of the world

in the world top three. But if we look from Indonesian Sharia banking that's about we're 8% back we're

very small compared to the country. Artinia that's huge opportunity for maybe can be back

can beeping can be participation how how can't make them can't share of banking that in Indonesia. Now, why, because since 2013,

we've done runaracted in then in 2004 we've got to into the charia acceleration. In 2002, 2003,

we've been mencurek in many work together we're going Mawamadiyah. We want we're going

community business that more more, we're just together with dompet two, Fah, and and other. one to four pillar

that we tried that we tried to project. And the other one other than payoutes

from the bank. In Indonesia we're not even there's actually there's there's been there.

There's a main bank strategy. We have Mabing asset management, we also also have

me bank security we have insurance company, etica, we also also finance company

between MEPang finance and also Wombinininx. Now, we can be bundle to

one solution for the other for our sub-sabah our company strategy. Now, this is we give a service that bad, we can't

be a solution financial to add to all the national. So, there are five feds that we

will, sir, we're going to keep up as maybe more about sharia financing and also to be able

with how you can make betteriating ecosystem that way But, before that I want

ulik again, this is a kind of people not like not like we're not like we're still,

we're still, we're playing offline experience, break and mortar. The kids young, the, they're going to

hang hapain to 80-10 time. Yeah. He's not there, think you

want to cabang. That, that, transition to digitalization to be where,

if, is, is, the, now, same than the world

while mode bad. Or even more than more than more than more.

Tell you. Yeah. Now, it's, if we see, the behavior of people

to be a other than after the COVID, yeah, where in COVID this because

many people in room, maybe it's more people to learn to

digital, but now, the trend should we've got to be able, we can't look at the second and third generation, they're more than

digital, digital platform, per-interaction, more than digitalization, and and other than other. But, not just second and third generation, even, even in first generation even, because COVID-taddy,

that maybe, who'd never used to buy barring, better than e-commerce. That'd rather than e-commerce. That'd come to cabang, are put because it's been

when COVID when it's not going not going to use global banking internet banking and

so much so the trend this demand and also make sure the future yeah

the future is the era that now. Now, Memang too maybeng can

make this and we also and we know and also already

must be making the future digital digital So, it's from

from now we're going to investations, we're going to projectization, to work work core banking we,

to build ecosystem. Namangue ecosystem this is also that's too that's too that's not much, we're not too

we're going backang paters, we're back to build ecosystem that's a way back

to the Sharia Banking and then also in UMKM and retail, so many many times pantar,

strategists that we gandeng, to, for us to get back to. Now, if we're looking upon, here, many people are, many people who are startup that have beencule and

basis digital. Now, we'll see how much? Atakening a subot, and try it and it's not. Trade-ne, if we're not not, it can't

be trade. Because always trade with opportunity, come together, we, right? Now, from MEPN, we see this as as a trade and opportunity. Opportunity is that we have to be able to gandem,

and we're together with one ecosystem and trade, if we're doing what, but we're doing what, the future is digitalization and platform. And demand from the second and third generation even, I'm going to look at it, even more demanding. They're making, not only just together application digital,

but they demand application digital that's giving the value more that's that's

good experience not libet artiness, and the third the most the most the security back again

again back again can cyber attack that in digital more and hackers

that hacker hackers that is there's and ready anytime to hack social media

we're back account banking our phone we're even mobile phone we're making back so much more important to make sure it's very important to give you, not only as a

application that good, which is common, but also the amount. Now, this is a commitment from the main thing to the next. It's going to be fatigna, that's the person

that's always people who've been using, and look can't risk more than mitigating to mitigation to them,

they'll back back to parodicma long. Maybe not that's it that's just that's

maybe not two mingue again, but maybe 10, 20 time again there, there's not

there, there. Okay. Memang, if we can't people people, people,

people, but if we're going majority, the majority, most of all the majority of

digitalization, transaction, you know, transactions, and that's something that's something that and then

it's a bank, but also some financial institutions in Indonesia, also, and make-and- and other

security to the security, to have the application, so, so, also, can give-

can't and, and, and, and, and, and, ,

we're, we're, we're, we're, Wow, that's, we'll see there maybe the new

potential and in the way, wow, it's back back to happen paradigm. Paradigma Lama. But,

maybe only some agian small. But if we know the new generation, the majority of people, I think they

think they, they, they, because they're not impacted. Because they're not, like, connoh.

If we're looking, if we're even in the simple iPhone we can, maybe half two-month

We don't even if we can't get, yes, it's update the new. That's the only, it's also make cover some bug-buck that there. That's the same. It's also, even more provider, that's also, you know, that's more than back-bugs that are, to be able to be able to

be able to beck-backed, yeah, right? So, so, I mean, so, it's not big, but not small, not-bessar, only the majority of people believe, that the poweringuatation

from digitalization, the conchamance that from the digitalization that's been in the platform that's one one that's one

that's one that's the last last year we've seen we've got there's been correction, like,

there's a landscape technology. Yeah, because so much money money that's, to put down, to popang

narrations narrations tech or technology, but it's it's it's it's this is

this is much this much more than to institutions institutions per bankan traditional that's that's been

digitalization, innovation and and socelan because they've been more longer in this you know

you can you can like that's going to be it. Okay. Yes and no it's not. Yeah. Yeah. But in the last

it's going to be it. If I'm looking at if I'm looking at 5 time for the last year, yeah, many fintech, new, yeah,

of a start of data, but many also who, ma'amaf, yeah, not have got in the resimy

from the regulator, and also that's just resigning from regulatory. And the and the topang with with a

embacarant. Yep. And this is there plus and minus. Plus it's what? It's more,

it's more human digitalization Indonesia, and it's more highly competitive. But, the other side,

if it's also, if it, not metatkan what, what, the name, validation, or,

approval, or, licensee that's been by the regulator there's risk also maybe you have got to

be able to the people right now it's not whether the data is used with the bader

or if there can't there can't and other and other and it means it need

be very hearty but but if if you should be certifications and

should be licensed by regulator soarus should be more more than more

better than the Pankmunt can't It's one organization that highly regulated. Ordinator, arting that's,

the platform, some service product like that, the type of conventional or even visualization, it's, it's been able to approve of from,

the regulator, from OJK, or from, from, from, from, from, the, means,

more, more, and bad. Now, if I, think, I, think,

bank, is it of saling, them, them, same, same, same,

same, , , , Yeah, artis, we said Fintech, we need funding, if not backer money

to start, backer money to get backer up, maybe one, two years. Investorna, you'll ask you might be paying back

backer. And as far as bank, also, to make make sense channel, because not the ecosystem

that, orpun solution that, can be born by bank and if we can't be hand in

hand, yeah, be collaborating, yeah, but, not actually, in the way. In fact, in channeling, in the form of strategic investment, in a form of whatever, or joint financing.

So, so we're looking to see that. We can't, we can't help, with workasama, and make upwork the ecosystem that in Indonesia. If I think that's pretty bit more than a couple of years that long, maybe impinan from institutions perbanking that, that's

traditional, that the glisahann's not a little. But, now, they're not aseglisah do you, yeah, can, to look, many of the companies technology that are trying to disrupts,

but they're also in a bit of a lot of a great of fresh air, but, also, the innovation has to be

doing, so, so can be insuaging d'I, banjaman. Now, this I'm, I'm,

tomorrow we're talking with one of one one of the economy that that linkage or link between the

link between the bigumkam with the this is not, yeah, right, mustinia if you're,

if this is this, make, aghap, the caratine, or the caratine, or the

He has been inbong. Now, he's just about, this is a bit more as a while you're looking perman to be able to make facilitation, or even in the while the penjembattano

because, because, I think, that's it's important that, the garrulnered just, and the middle of the small,

the other, chamber. Now that's how, disrupts that's disrupsies that's even if it's done, but it's going to be gauged. I think, Pagita made a very interesting point. Yeah,

and, thisidilah, maybe the power of financial institutions, not only maybe maybe financial institution and how can be able to bemen because if we're

in Maybank, we'll see this as a opportunity too, how can't So, you know, the UMKM that are in business we,

tentuant with suppliers, supplier, more than maybe buyer more. That's the next step we're also, how can access their care. Because, the name of UMKM

this is the same thing, this is the same thing, and then maybe maybe, maybe maybe become commercial, and become become being commercial, back,

Now, how we can make up market, to perluas market their, to know it, with, with more, connect at there

in there, give them, give you, give them bantuan capital also. This is one of program from UMKKKKMIP,

but, but, but, I think, I'm also, the people, also,

important, how can't be able to bring bantan, the, the part of association, like KADD,

also, how can't can't help menjembatan, arting, I have to work abhubberation with more

better than more because if we're together, if we're doing, it will be back again, because in Indonesia if we're

if we're looking, if we're we're coming from from from the economy Indonesia. 65% GDP are in there

is there. If it can be being able to be more more than it can be able to be It's better better, too, the better than. Yeah, if we think,

people do you know, 1,40,000 to 150,000, but, but, per-daian by sector micro-O-MKAM to only 125,000. If the non-micro-O-MKM can, five-juta. Total, 130,

you still have deltale, now, this, I'm in batas intuition, perpicker if the penjbatenan or cross-fertilization, or the kind of can do you can't do you can't to build the

which is the bottom can't even with the other or even the bottom can be able to up to the other. So, that's a barang.

Pemerdayan all or almost all of people who are people who are in Indonesia in a formal, not

in a formal, that is can be able to be able to and that and it's a more than to be more than.

Now, back again to Islamic Financing or Sharia. This, can still penetration 6, 7%

and 7% Menorut Mr. Stefano, how, see, 5, 10 10 years,

the percentage it will rocket to up to the number more than more than more than

to the across incremental to be incremental incriminatally. Yeah. Okay.

I'm maybe not a not a a person Pramal But but But if you're

Bresarcan Pulsar Yeah But if you're But if you're But if you're With regulation that's

given by the government and also Ocica Bank Indonesia where now there's current there are

there parat If you're If at a Sharia from a bank has to have been

50 trillion or 50% that has to spin-off. Now, tentn-off, we see a opportunity

for the bank trade Indonesia can be able to improve with more than more. Because if if it's been-up

to get-off, automatically, you have, I'm bringing a value-re-reli- value-tambh more-l-l-l-l- for-contribusy

to be part-contribusy to beck-Bank-Sharia-Rya. that maybe just unit business really, really became a bank with a spin-off this.

Now, this should be better better than, but, but it's not not to be able to from the power regulators,

how can't help the financial institution that had been spent-off to the front. This is, this,

if I'm a little this, if I'm, if I'm, if I'm, if, journal to be related to

penuluhan that's for the important for the not only micro-un-Q-M financing, but sharia financing for their,

it's a little stigma. Many who, who's actually mampu to be over-financing, but not want. Yeah,

right? In calangan micro-M-KM in desa-Desa, this is not, not generalization, but this is there, especially episodic

in some of some of the people, who don't know how they're not because the people the people, the kentakening

the bunga. Now, this, this, this, not want to be debat or what, but I just just say,

it's just there's a thing that's there's a good thing for the powering micro-MKM in context,

if that's non-shariah orpun-shariah, It's more can payah to the right.

So, I'm quite support, Pa, Gita. Mackan like, education

that's that's done by many people, not only only by bank, but

also, association, community, yeah, to be important because education

this that I see, I'm not kind of Yeah, it's very for the part of the people, at the U.MKM,

that's a small. Because, like, like, if I'm inbush, I said, wow, if I'm going to be able to be able to and then to be able to, it's not to payer the bunga and sogain. Yeah. Then, I'm happy, with my society, I'm just

who's doing this, this also can't make up and I'm going to get expansy again, maybe, maybe members of the work and the other than, and, and, even, or even, becky-leverage digitalization

to be to bebeank market now this this is need to need to understand

not not even and education this is not just two times but it

should be consistent and education not just not even not even but how much

making make sure people um yeah yeah because the

umkm this I'm ma'am yeah uh... money it's

there's are to come from private and so so again, so when they're, maybe, when, when, when leverage their their to bank or to the financial institution

and not be able to get because financials, because financials can't. And, this is important, if it's education, d'ajuring, how, with simple accounting system

that's making that way, making upbukes, because of the time incheal to be bank, but institution, we'll see, this rapy,

and it can be money-usah that's just how much how much how much people now,

people, people who can't much more than leverage digital platform and the result the yeah, if they just

can't can't be able to but with digital platform today with e-commerce platform that's in Indonesia he can be able

many people and land that's that's just, and maybe not need to be able to restaurant that's big, but also can't make up to be able to buy more people,

this is important, this is, really, de-education to be as a consistent, but that's just like, again, we're,

consistency, yeah, because, this, that I see, the consistency this is that's very very, yeah.

Not-us- UMKM, the bigot-en, the bestar-en- people, many who's many who are

there. Right. Yeah. Yeah. So, it's, even, it's

even, it may come to one one economic, Professor Iwan Jaya Aziz,

who just made book. In the book it, he's that in the

different desa that in the prolehan penanaan or financing to be

repas or not riba or not riba or not, it, not

it's not can't make up front ushasa because not quite the but it

but it but it socialization inter-departmentally so it so it's not can't

cross-fertilization percapan with the pampanku the other that, or it's at the level

dinas the government dairah or public intellectual or the power R.T.,

the power R. and and all of it. Now, this is a it's a bit of I'mcust this in the context that I'm

if I look if I look 30-torn the other asia-tengara this is a because four attributes

the one the first, the two, the of investasasas in infrastructure three,

the and the one of the and the more relevant with our Daya Sain. Now, Daya Sain, this

in the empiric Terex, in the power of the same which is coming out of 10-usiness per-one-a-oh-oh-degosah per-1-1-1-Deguas.

Sedgand-k, rata-a-lis-a-cust. Per-1-1-1-0-0-1-0. That, that's rata, but in Indonesia and Philippines, 0.3

I'm-D-U-Sah per-1-1-D-Bausa. This, if I look, , it's a correlation. with, with, the more than about about there

there's not if there if they know there, they're they're going to to be lomba, to get

to get it, to get from, or the right, that, that's, that's a

structure, to how we can can make make the semarakan the level of the level of the

middle, middle, to the middle, to the highest. Yeah, right? Now, I'm going to

the last, ecosystem, the merdaian. You have asset management, have assurances, and have bankan,

and sharia and and secalan. This is going to junkir back like how this, this is with

the amount of money baredar. Um, the money in Indonesia, this is not more than 45% from,

we're we're in Singapore that's in the top 100% from from the from economy

how to do we're we're gonna we're gonna we're we'reacking UMKM we're aging

assurances we're agate asset management so it's so much allus but if if the

cumulus that that's not more than 45% from from our economy

we're yeah I see see look at in the way that there's

a better batasan how much that? Yeah. Yeah, um, yeah,

um, yeah, past we're part of, part of part of support, yeah,

whatever, uh, whatever, um, program, orp or, uh,

regulator that's, that's, to help the sector sector this, but the main

important is commitment too, yeah, and, and also collaboration, yeah,

yeah, yeah, yeah, yeah, all banks, the bank, them as well, I'm sure we're ready and willing,

the most important, to be contributing and also, and also, to be participation, to be able to build the ecosystem that's the amount of you that's the same time

that we're just even to the bottom level, yeah, the country this is also can be coming, yeah, We also will still be able to be able to be able to be able to be able to. Yeah,

tentoing, yeah, from the part of the bank and from Maybank. Yeah, I was like, I was talking about, I was talking, we've been

baseline it's maybe in 5%. If you're going to make 8% Yeah. Yeah, delta 3% that, in context, economy,

so, 1.4, 1.5 trillion dollars. Yeah. about $40 million. $40 million, that's, the most of the most of the amount. If you're not going to be able to do not even. If you're coming,

$30 million dollars every time, nowikin to $70 million. And that's still more than what that's more than what that's in the form FDA, that's the penanuade model asing.

Singapore, it's end up to $100 million dollars. Yeah. And, you know, and joy of it, from Indonesia. Chal more than Vietnam, Philippines, Malaysia, and Thailand,

it's each, masing, 10 to 20 million dollars. Indonesia, 25 to 31 million dollars. And, still far away from Singapore, pa, yeah? Still, if we can't even make in FDI, PM, it's not being the of the penning perbanking.

Yeah, model that's put in gandeng, can? With financing. Right. Yeah, can, equity, there's financing, then, there's, the money

redarernery from 45% to 46, 47, 48, now, that business, whatever the ecosystem that's in Maybank, it will be

smearack. Yes, but, but, but, but, policy, policy, that, yeah,

that, receptive, to be able to be able to end uptoe and, and, you,

stability, you, , Right, right, but the capacity of the because I'm sure I'm sure I think will see a question of the pastion of the law.

And we're trying to see, at a certain, past, Indonesia can't be able to make sure, and even more,

and even than the end up the FDA that did, yeah, just made upang of many, make up opportunity too,

for the community, for our people, we're making people, we're making, we're making, we're making, the, and,

also, regulator. I see Maybank this is very can be pern. With the bad in 18 countries. Yeah, can? It can be

pangung to be don't be-donging, bercerita about about narrasy investations in Indonesia. That's the

Indonesia to the front, this is very like to investasik and if if this like to investasik

because because of the government from the government is as a big this, not jewellyed, the narrative, and thesis investations will make uphollant that's a good one that's

and it's a jane, and we're just a certain value that I've said that I was a general connectivity, where we're, we're making, investor that wants to into Indonesia and we're in jabbered that.

Now, this is one of the value that's more or focus that we've made bank also, for people who are expanding to the other countries, or from the other, who's going to come from the context to provide,

in the financial and other, and it's, it's one of the pillar we're also, in corporation. I'm going to if you're in Singapore, it's going to be

going to be in investations in Malaysia, Philippines, Thailand, Indonesia and other and but if people are Indonesia intuition just yeah they're not too

not too much out of Indonesia Tuntruching the columbia and down yeah, but what is what is that

what is that is the power of the people of Indonesia is it is even

not just only for for the but to make make to make innovation If not there in Indonesia,

yeah, the possibility of there's a lot of why not it's not how much, how much it's going to

change. Yeah. Paras people yeah, yeah, yeah. And I'm looking look,

perbanking to be very can't be part, but also back, but also this is croyokin.

Right, right, and location that's also from, they can't from, um,

from them can't Because from startup, UMKM to become, it's been a middle-sized company, that's been through, and at the time they're that's also, maybe, it's also with many people how much can channeling export

they're to, out. Because there's also, come to come from production of barang that and very much more has been used to export. That's,

maybe, education that could be done from being being in case from class-men-en-en-en-en- in the process of the middle, and it's a class of the world, and even if we look at the Medanisteree

that's actually person for example that's making expansion, even top 20, that's much, that's been doing, expansion of business to the other country.

If you're still, that's still, but, but, but to the time, maybe, like we've got, more, more.

Export, yeah, and other, and, and, not only commodity, but also the things can be export

out. That is the power of bank that can't be to be able to help. If I can see Malaysia, Tionk, India, that's gila gila. So, banking, do, goutin the company.

Yeah. The company, India, want to accosisi perusia the world that in Europe, did danain,

too. Yeah. And then, and then, and then, and then, yeah, the company,

yeah, didampingin. Yeah. There financing yeah, from the bankers. Now, it's, then,

Tionk with America, they're going tojaer technology. Yeah, can, that's not in India, that's not in the so I'm going to proactivity by the

company and the country is far more greater than we but they're trying technology in the world. But, they're still

they're not MAPAN. India, still can't find a financing it, it's, the duration

be jamca-pangang and the money also isesuike. Mung in Indonesia can be able to the world of usa'an with the world

with the polo that we've got in India and Tionk Mugin, and maybe we can, we can we've also

but we're just small bank that capacity to underpartassan modals and capital and and other. But if you have a potential, not that we can make sure we can make sure that syndication,

to be able to the other than for ushansing to be in the other countries to be it to be in the country, yeah. Yeah, yeah, yeah, model model,

because, because for support that can also, can be put up financing that and we also each one of each bank also,

have got to have capital and mega-limit so, so that's a sort of, a, a bit of a bitassan that's really difficult to break

too, if we're if it's a lot, yeah, this is not panang, like. Yeah, yeah, want to manum just, yeah, or concept that's

maybe be able to, or, it's socialization to the whole people, the importance, that's, and, and, now,

the, this, this, can, this can, it's been coming to in some in a

different in a yeah, and if I look, with the president perpillic in America

the United This is this rhetoric and narrations it's got kind of embuffing

the glissan with the abatations from the world to America and this this is

that's and I can continue and always muretacken because the money because of

money and jasasas from America it's more than money more than

How do? From lens or catamata of the Banking in Indonesia? Yeah. Now, if we look, Pucka,

in Indonesia, here, is about 6% ma'amang, yeah, it's not there's cut, but we

also very understand the petersan from the operator. Tentunton, this is, there's a

amount of more to make money to care we also to be able, yeah, so stable.

Now, but, but, we know, we know precisely if the sugar if we're more it's a lot of it's going to

for all the sector to be part- of the costoing. Pumbuyman more people more more people more

if more more than WMKM is also going to be much making up again and other people more

more than if it's of the number of the number economy Indonesia will be more aggressive. Now, but if you're more of the Succo Bunga TING, maybe someone who's

people will be able to to make efficiency, weight and see, for expansion, and other. So, we're also perhaps, yeah, to the front, if situation

should be better better, Tendublea, it's more less, more than, that, but we're also also,

the process, that, that's, global economy, aside Trump, now, they're chosen, also much asternity.

Maybe not only Trump, but also, the increase geopolitic in the world, the war in Ukraine, with the war with Soviet also, even with Soviet, still be able to be glora. Artignal,

lot of assertive also in global, that's the same many people, it's a bit more, the power, also, to be able to cover our people.

Yeah. I see, I'm looking to it's very systematic. Soca munga, it will be able to run. Because supply it's more

much. But problem is supply is only in the different to distribute to the office

or or the point code post. Yeah, this that what's it's

the that's not or to see can't, the uningsingsatting out of the there's a betterbatasance. But, the other, that the money is around limpa, because they're

making plongeran quantitative, and in the world in the world, and in Japan and Tiongok, too. That, they're limpa, limpa. So, they're more in

position to to be in the rungent sub-buner. The two, the AI, or artificial intelligence, that's that's that's

unopang productivity. Productivitis is making mingat. Kekendrungan inflation is more

small. Kekendrugan inflation is more small. Kekinurk kensurk to make sure

to make sure. Yeah. So, the country or where can be able to end up against

AI like what we seeks in in the United States, will be there catershick. They're not making sacksinging

peningotivativeness so, so, the quatiran on inflation that's structural. If you still

there, the quatitan the quatiration or the increase, the stuble not can't turn as

the gampang that we're harop can. Yeah, how that? Yeah. If you're speaking about AI, AI, this

is even it's been made a trend if we're if we're if we're partaking in the

world. And artificial intelligence this is true not a mom if I'm personally, but it's a

trombosan a subpoison, a new initiative that's good for every organization or even,

either, both it, bank, or company, to be able to make up to more than people can

uh, talk about it. If we're too, if we're we're doing with robot, you know, the power of

other than and other than when we see if we're if we're looking more than AI this is to

help to make up our status our power yeah, and it's more more than

more more good unungang for people because that it

compliance, make up activities, make more than error, and so again. So, it's, it's, it's, not only bank, but also, regulator, and the government, how it's, maybe, it's, maybe can be focused on the AI more, yeah, that you, yeah, to the other,

and, also in industry, and then it will be able to, and if output, and if you're more, yeah, more efficient, then, automatically, the end-uncum of the economy will also will be able to be able and the stucubleau

will be able to turn too. I'm sure. I see, uh, um, the perbanking is smart.

Yeah. If the power AI is becoming mingkat. Right. And, the sucobunas more tulle.

And, the money pered and the money and the bank moon, we also we've just to see a.I. this one important element,

that we can't but also have to be, how it's being taken. Now, because we're looking exploring, how can't be it's making up to use the impact on the efficiency, and, and, so again, compliance more than error.

So, so, and we're going to be able to be better than, the point of the economy of Indonesia, to do not come from, I'm going to look at human capital. Indonesia is, has been with the other than the other than other than

other than India. And I've seen kind of gobro on about pisa. Pisa is a cappian for the kids of 15-taxed with stem and to beaqqqqqq proficiency of asa

In other than the other than the other hand, the position. No-nour-69 from 81 in Asia Tengara, two countries that are great really, Singapore and Vietnam. Singapore is now,

even, even, one, in the one one of one of the one of the other that's one in the U-Ukour. Vietnam, it's number two in Asia, and if, if not saw, top 20. Pem recruit and it's how to be it

To be it's, to be it bigot-and-capital that's great-magnan to the front So this is the main to make Quaritin, it's the bank of Yeah And, Zara Yeah. Now,

if we look, if we get, the parturant of that there, it's, it's been bachic-can it, make allocations 5%

Yeah. From overall cost-ne, cost that to training, and also, and even it's also, and this one also made up to make sure make sure can't build, melit, make sure

to be able to be the trend barue that's the new that's like, is digitalization AI and other than other. Now, this has been made up with a commitment from us, Pat. And the baggian IT

this also it's also a component we're to be able to continue to we're in two years

last time team IT we're even only 40% from the number of our time and this is more

than two half half lipat art me here maybe with commitment yeah to to be

to continue this sector this sector from IT and give the pay the cost

we can't we're allocations for training and the development, recruitment also we can chatakable part-scentage that

for the youngster that's that's ability and the capability and the capability and digitalization

because this important to the front. And we also have been many people for ushers for our employees

for our own our own our own even for the people can't help help the development

Pati, we can we can't really, but if we're if we're if we're taking the

organization and the country than the other people than we're not quite small

yeah, yeah, yeah, and maybe the people people people who

China, who are more than more than more than more than maybe more being

being made making sure to be how much invest to the young people,

yeah so that can be better perhaps people can be people,

and people, and the result of we can't see now, but we can't see 10, 20, 20 in the time in the time. So, so, so,

so, so, yeah. So, so we have committed that from, from the people. If we're not, the quality of SDM's quality SDM's, if you're being made bank in Malaysia, in the other countries,

that's, how much, that? Yeah, so. Yeah, so, yeah, we're comparable, yeah, we're, yeah, but, yeah, commitment to,

let's, yeah, investation, so, so, certification, it's important because of the consistency that we're

we're not we're playing when they're super-preestation oh, this is pinter, it's not really in training again, it's strong,

justro, sir, sir, who's true, that's true, that's true, if if you're if it's, if you're more back

again, can't be back again, now, this maybe, maybe we're, maybe we can't remember that, that,

that, that, investasasasas, the bent of pedidican, investation, investation, the better,

the plighting, certification, it's very important to increase, we're going to get a human capital,

Pat. Yeah, and that's important. And as a person, people, also important

to continue to keep up people, yeah, to build people, people who can bring them

back, like, like, like, people, like, the next generation,

this next generation. This is the new thing, this is the mission, and, yeah, lecturing,

yeah, something that like, the pastime, Pakistan, and other than other. PISA is can manifestation

from quality education non-tersher, SDS, S&P, SMA. The tertiary, we had, we had sent gulherg, last before.

Yeah. It's representation from China in America, America, the United, is, almost

$400,000. Yeah. Blur-bysa , sir, yeah. From Indonesia, just 8,000, and we're

far, the, and we're, 100,000, yeah. Yeah. In English, Indonesia, 4,000. In the whole campus. Yeah.

From, from the English, it's 200 and riven. Wow. This, this, this, this, not, more, man,

jellect-quality in Indonesia, but people, people, people, lomba, to

comea, to go to goa, yeah. Yeah, and if, yeah. And, if,

Yeah, Kejarl, anywhere And this this is the this is a sorry, gombole

about a little about about the foreign students or a highasasua asing there's in Korea

Southah. Tebuck. From where? Dulu, it, several years, from China, many,

like, now, from Vietnam. From Vietnam, yeah. So, it's, it's,

we've got, from, we've got to be hushed from a hausen from a country to get in the world to get in school in Vietnam

also karen't but they're dune duyun to To be able to get in fact they're looking yeah,

they're can make LG, it's making Hyundai I'm going to I'm going to yeah yeah,

yeah, if if Indonesia can't make Hyundai, they're pasty to yeah that's, now that's Vietnam

has been Vinfast, mobile electric, which is sold too in here or it's to take

to taxi. If in California, we can't look at the co van fast and

the market in America America is the marketer is the marketer that

they're making people, and it's not, to put different

system manufacturing to build system distribution to build cermine from

caousan and calaparant and calaparant right how much that's it? Yeah

well, in the context that's maybe not too be perbank this is a little

macro but it's just it's like we're doing it so we can

do make what yeah make what you can send SDM

that yeah And, I'm, we, we're in group, also there's

together with association every time we're giving people pay-sysua, for, for students

students who are back at my case we're there, maybe from Indonesia there, there are two

or three people who are that we're to learn out of the country, yeah, and we're

being bi-gaikan Matt, with the group and that, and it's there's also there's some talent

talent student from in the country other other than this is the other what we

can't that you're to put in the way to support education and what's important

what I'm from all the student and people who regardless of the amount of there many people

that's there's there can't give the way that rather the country in this

if they if they're being to give you to come back to meet back

to come back back get to be Repetop, you, sir, right now, right now, moda-modan, all students who learn from the country

can imbae can't be able to back in Indonesia, and can give them give them more than this, that's more than if it's a

If you can be a group CEO of menenang, yeah, al-hmdulilah. Yeah, yeah, right, I'm, I'm not,

if I'm doing if, if he can't get together Satian Adela in Microsoft. That's, Al-hmdulilah, goodly shooker, yeah, right?

This, if I mean, I think, is it, of financial service, human capital. It takes you back to humanization.

And, how that? And I, and I, and I, I, think, to,

profile, the, the people of the banked, or bank, in the mass of the time, like, like, how do you know, that? That's, if I'm not, that's what I'm going to imaginations. Yeah. Yeah.

One, maybe, yeah, if we can't, if we can't even if we're being, where it's been there, yeah, has to have vision, yeah, part of it, because vision, this, yeah, can be able to inspiracy some people in the organization

to make up to a new, that's more, more, more, and the other and the other and the other

the other, also, also, you know, also, can't even what is coming to come in the part,

and that's important, because if he doesn't be anticipating, it's coming, it's a lot, so on the one of the

one of the other one that's digitalization and other and so and so again, we're just making personal example to and the other example to the and the other, and the other than

the other than people, potentially, also, you can't develop people, like, like, we're talking about. Yeah.

Don't look, when they for, uh, um, um, to make on people like, um,

build leaders, like, so what we're doing, yeah, make lecture, uh, make a,

uh, sharing knowledge that's important, yeah. that's also very important as a a person. And the last, the last, the most the most,

I think, I think, I'm sure, we're having to beaggallant. Same, like I'm sorry. It's a lot of, a buguea,

more more. The buguea than a gagal than a lot of success. Beto. A person who's the best people, if I'm going to say, if I can't, if I can't,

it's like, it's good, as legation, but the most The important is how soon we can recover in and learn from the casellation that we've made that's important for any leader

to have any leader, to have quality of this, yeah. Strong mentality, gaggle, and recover, and backup, back up.

Yeah. Apolaguer, that's, can, rent-tan with cyclicality. Yeah. Cycles, yeah, right? Yeah. Yeah,

and, yeah, and I'm just do bananing, and I'm between resiliency with anti-fragilitis. If resilient, that we jatow, we can't, but if

if we're anti-fragile, we jathe, we're that's how to, them buhackan one product yeah, can, if he's jatow, he can't and be banged, that's great,

that's great. Yeah. Steph, we've had, we've been from the way, From the mass of little, then, school,

SDS, P, SMA, to university, then, Lang, Lung, Buana, and I'm, I'm very with concept humanization. Yeah.

It's, differentiation that out of for sure and the person, anything, not only

on the banked. Yeah. There's there. Yeah. There's, yeah. Simple just,

Pat, yeah, I think, the conversation this is very, I also, I've learned about to learn about from our own

from here, from here, maybe the person is simple, we're talking about that we're in banking industry or anywhere we're there, I think to be in theogynque, integrity, transparency, inclusivitavitaz,

fairness, maybe it's very important very much. It's very, you know, and so much luck very important to be able to be able to build up long as long as well as the bidang jasa. I think that's what we

piece over, yeah, can. So, humanizing financial services today, and it's been with all the values that, it's very important, so. Trust. And trust, this, I don't know if we can't use it, yeah, for the

part, we need to, but we're doing. And, don't remember, to to take contributory and to support all program program

of the government or monregulator to how how much can't be together, you know, manjaka

and it's also injublj and it's mucing and then at the end development economy

and a percent that can't be able to amen. Thank you. Thank you. I thank you thank you

thank you thank you thank you thank you the time to beckx my part of I'm sorry, thank you.

Thank you. I'm with you. Tremant, that's Stefano Ridwan, Pimpinan of Meebank Indonesia. Thank you. Thank you. This is NG.

This is NG.