He said Indonesia now Citibank has partnered with eight insurance companies, including PT Prudential Life Assurance, Manulife, PT Ace Ina Insuranse, PT Asuransi Cigna Indonesia, PT Avrist Assurance, PT Panin Life, and Commonwealth Life. "With the Allianz (Indonesia) soon," he added, saying currently in the process, and will be targeted cooperation will materialize this year.
Indeed today, a company based in the U.S., it still will only work together to market insurance products from insurance companies. In other words, will not form a joint venture such as that conducted by AXA Mandiri.
Form of cooperation undertaken by Citibank with more insurance companies are dominated by the distribution model with the percentage of 90 percent. Where the bank is allowed as a seller of insurance products. The rest is a reference model, in which the bank only gives information about the product from an insurance company. "The model of bundling the union between bank products with insurance products. Citibank did not have (this model)," he added.
"BI is not impressed when banks sell bank products. If there's anything that will sell the bank is responsible," he added related bundling model.
Why a lot of insurance? He replied that indeed most banks just partnered with one insurer. However, he believes every company has the advantages of its products respectively. Against the selection of any company to cooperate, he said, "There is a due diligence process, the (then) risk based capital must be more than 120 percent, (continued) performance is how," he said.
Related types of insurance products, he said, most products are still the conventional with the percentage of 70 percent, while 30 percent were unit-linked products. "Indeed if the development is large (currently) the link unit. (So) our focus will forward a lot of unit-linked," he also uses the concept of wealth growth, to develop clients 'money, and wealth protection for customers' financial mengelolan , in the development of insurance products.
Regarding the plan evolved into the Takaful products, he said, Citibank is in the exploratory stage. According to him, a number of companies in which Citibank Indonesia has been working there who have this product. "We again explore. Sharia products not easy. But it is not so (for now)," he said.
Therefore, because there are only a form of cooperation, Citibank Indonesia was only received in the form of commission income rather than premium. "If for (insurance-related) credit card incomenya 10-15 percent, (while) the retail banks are still below 5 percent, from net income," he said.
Meanwhile, the promotion of insurance products is still with tele sales totaling approximately 250 people. Not with the agent as well as in insurance companies. "They pointed us to sell insurance to our customers. At the bank (it will do is an insurance product peddlery) salesnya customer," he replied.
Not only sell product, he adds Citibank will forward the ministry. "Sometimes there are customers who buy insurance but his family did not know. So help them to servicesnya," he said.
Citibank Kembangkan Bisnis Asuransi
JAKARTA, KOMPAS.com - Citibank Indonesia akan terus mengembangkan bisnis asuransinya melalui kerja sama dengan perusahaan-perusahaan asuransi ternama. "Kita itu kan one stop financial services. Nggak hanya (mengembangkan) produk-produk kartu kredit (saja)," ungkap Director Insurance Business Group Citibank Indonesia, Armand Furhad, kepada Kompas.com, di Jakarta, Kamis ( 4/8/2011 ).
Ia menyebutkan, Citibank Indonesia kini telah bermitra dengan delapan perusahaan asuransi, diantaranya PT Prudential Life Assurance, Manulife, PT Ace Ina Insuranse, PT Asuransi Cigna Indonesia, PT Avrist Assurance, PT Panin Life, dan Commonwealth Life. "Dengan Allianz (Indonesia) segera," tambah dia, yang mengatakan saat ini sedang dalam proses, dan akan ditargetkan kerjasama akan terwujud pada tahun ini.
Memang saat ini, perusahaan yang berpusat di Amerika ini, masih hanya akan bekerja sama memasarkan produk asuransi dari perusahaan-perusahaan asuransi tersebut. Dengan kata lain, belum akan membentuk perusahaan joint venture seperti misalnya yang dilakukan Mandiri dengan AXA.
Bentuk kerjasama yang dilakukan oleh Citibank dengan perusahaan asuransi lebih didominasi dengan model distribusi dengan persentase sebesar 90 persen. Di mana bank diperbolehkan sebagai penjual produk asuransi. Sisanya merupakan model referensi, di mana bank hanya memberikan informasi mengenai produk dari perusahaan asuransi. "Model bundling yaitu penyatuan antara produk bank dengan produk asuransi. Citibank nggak punya (model ini)," tambahnya.
"BI tidak mau kalau bank yang menjual terkesan produk bank. Kalau ada apa-apa nanti bank yang menjual yang bertanggung jawab," tambahnya terkait model bundling.
Kenapa dengan banyak asuransi? Ia menjawab bahwa memang kebanyakan bank hanya bermitra dengan satu asuransi. Namun, ia percaya setiap perusahaan punya kelebihan produk-produknya masing-masing. Terhadap pemilihan perusahaan untuk bekerja sama pun, ia mengatakan, "Ada due diligence proses, (kemudian) risk based capital harus lebih dari 120 persen, (terus) performance-nya gimana," ujar dia.
Terkait jenis produk asuransinya, kata dia, sebagian besar produk masih konvensional dengan persentase 70 persen, sementara 30 persennya merupakan produk unit-link. "Memang kalau perkembangan yang besar (saat ini) yang unit link. (Jadi) fokus kita ke depan akan banyak sekali unit link," ungkapnya yang juga akan menggunakan konsep wealth growth, untuk mengembangkan uang nasabah, dan wealth protection, untuk mengelolan keuangan nasabah, dalam pengembangan produk asuransinya.
Mengenai rencana berkembang ke produk asuransi syariah, ia mengatakan, Citibank sedang dalam tahap eksplorasi. Menurutnya, sejumlah perusahaan di mana Citibank Indonesia telah bekerja sama sudah ada yang memiliki produk ini. "Kita lagi eksplor. Produk syariah nggak mudah. Tapi belum ya (untuk saat ini)," katanya.
Oleh sebab itu, karena masih hanya berbentuk kerja sama, Citibank Indonesia pun hanya menerima pendapatan dalam bentuk komisi bukan premi. "Kalau untuk (asuransi yang berkaitan dengan) kartu kredit incomenya 10-15 persen, (sementara) retail bank masih di bawah 5 persen, dari net income," ujar dia.
Sementara ini, promosi produk asuransi masih dengan tele sales dengan jumlah sekitar 250 orang. Bukan dengan agen seperti halnya pada perusahaan asuransi. "Mereka kita tunjuk untuk menjual asuransi ke nasabah kita. Di bank yang (akan melakukan penjajaan produk asuransi adalah) customer salesnya," jawab dia.
Tidak hanya menjual produk saja, ia menambahkan Citibank akan mengedepankan pelayanannya. "Kadang-kadang ada nasabah yang beli asuransi tapi keluarganya nggak tahu. Jadi membantu mereka untuk servicesnya," ujarnya.
No comments:
Post a Comment