Affluent Indonesians Shift Wealth Management Approach, OCBC Reveals New Trends

The way Indonesia’s affluent society views wealth is continuously changing.

Whereas the primary focus was previously on obtaining potential investment returns, an increasing number of customers now see wealth management as part of long-term life planning — from building assets and protecting them against various risks, to preparing the transfer of wealth to the next generation.

This shift is driving an evolution in the wealth management industry.

Customers are no longer merely seeking investment products, but rather more comprehensive solutions that connect investments, financial planning, financing, asset protection and succession planning within a single integrated financial strategy.

For OCBC (IDX: NISP), this shift has prompted a new perspective on wealth management.

OCBC understands that at every stage of life, customers face different challenges. Inflation can erode purchasing power, market volatility affects the value of investments, whilst changes in personal circumstances — such as health, career or family dynamics — can disrupt carefully laid financial plans.

“Wealth management is not merely about helping customers achieve potential investment returns. Far more important is accompanying them through every phase of their financial journey — from building wealth, protecting it against various risks, to preparing the transfer of wealth to the next generation,” said Parwati Surjaudaja, President Director of OCBC, as quoted in a press release on Thursday (9 July).

“Going forward, we believe wealth management will become increasingly digital, increasingly personal and increasingly inclusive. But above all, the most important thing is to provide customers with peace of mind — the confidence that their entire financial journey is guided by a partner who understands their life goals, their family and their aspirations. That is the value we continue to build at OCBC,” Parwati continued.

To answer these needs, OCBC has developed wealth management services that combine trusted wealth advisory, the support of a wealth management specialist team, a comprehensive range of investment solutions, and digital capabilities that allow customers to access services more easily without diminishing the role of the relationship manager.

This approach is supported by various capabilities, from Wealth Discovery, which helps to understand customers’ profiles and needs; a comprehensive Wealth Report to monitor portfolio development; and relevant Wealth Insights, so that every investment decision can be made in a better-informed manner and in line with long-term financial goals.

In addition, there is support from wealth management specialists, a diverse range of investment solutions tailored to risk profiles and financial objectives, and digital services via OCBC Mobile that enable customers to monitor their portfolios and transact more conveniently within a single service ecosystem.

This commitment is also reflected in the growth of OCBC’s wealth management business.

Between 2022 and December 2025, OCBC’s wealth management business recorded a compound annual growth rate (CAGR) of 29%, surpassing Rp120 trillion.

This growth demonstrates customers’ increasing trust in wealth management services that prioritise advisory and comprehensive solutions.