@thesis{thesis,
		author={Gunawan  Wahjudi and Herawati  Katherine and Juliah  Liky and Lesmana  Mateus D. and Simanjuntak  Choky Y.F. and Widayanti  Rahayu},
		title ={The Indonesian State Banks Merger and Consolidation BNI-BTN Model, an Overview},
		year={1997},
		url={https://repository.ipmi.ac.id/1559/},
		abstract={This study will explore the feasibility of merger / acquisition between Indonesian state banks, in particular the BNI-BTN. Indonesian state banks are currently facing many challenges to improve their performance and efficiencies. How would Indonesian banks, including and private institution position themselves in the coming war-field ?
Starting with the objectives of the study and the context/ scope we are going to explore, the study will flow to industry analysis in pre and post ASEAN globalization (AFTA 2003), the are of increasing global competitiveness.
Background of both banks and fundamental theory will be explained deliberately in term of merger/consolidation. BNI will reportedly merge with BTN, BDN with BBD and exim bank with bapindo, but BRI will left independently.
Discussion will heat up to the hard core of the paper, financial analysis, where the possibility or merger/acquisition through some valuing methods will be elaborated thoroughly. What will happen to the bad debt, Left by pre merger/acquisition? will merger or acquisition directly help to reduce the NPL figure faced by the two banks ?
Other important discussion is towards the human resources. What will happen to the employees ? what government should do to them ? How to prepare the banking HR in order to compete in the globalization era ?
Finally we are going to discuss the cutting edge of banking industry war, the technology. The future of banking is dependent upon the future of money. Home self-service banking will make many bank assets and staff redundant. However, cyber-banking will require new types of services, institutions and employment.
Existing private banks (BNI-BTN post merger) will wither unless they can provide new types of financial mediation, this will be required for cyber-banking to develop in a meaningful way.}
		}