[ABSTRAK
Perkembangan kebijakan perbankan di Indonesia pasca dikeluarkannya programArsitektur Perbankan Indonesia yang bertujuan untuk menciptakan perbankannasional yang sehat, kuat dan efisien, menyebabkan banyaknya transaksi merger danakuisisi di perbankan Indonesia. Terdapat setidaknya dua kebijakan yang kemudianmendorong banyak terjadinya transaksi merger dan akuisisi di bidang perbankanIndonesia, yaitu kebijakan mengenai kepemilikan tunggal (single presence policy)dan kebijakan mengenai jumlah modal minimum. Tujuan umum dari penelitian iniadalah untuk mempelajari proses akuisisi unit usaha yang dilakukan oleh PT BankABC terhadap unit usaha retail, pembiayaan konsumen dan perbankan komersialyang dimiliki oleh Bank XYZ. Selain itu akan dilihat tantangan-tantangan yang utamayang dihadapi oleh PT Bank ABC serta implikasi aksi korporasi ini terhadap kondisiperusahaan PT Bank ABC dilihat dari sisi aset secara umum. Penelitian ini adalahpenelitian kualitatif yang datanya berasal dari data primer yang diperoleh melaluiwawancara dan data sekunder berupa dokumen-dokumen terkait dengan transaksiakuisisi unit usaha yang dilakukan oleh PT Bank ABC. Hasil penelitian menemukanbahwa proses transaksi akuisisi unit usaha oleh PT Bank ABC dilakukan denganmelewati tiga fase penting yaitu fase pertama (due diligence), fase kedua (persetujuanregulator) dan fase ketiga (integrasi). Terdapat tiga tantangan utama dari hasilpenelitian yaitu sehubungan dengan persetujuan dari regulator, perekrutan danadaptasi karyawan, dan teknologi informasi yang digunakan. Selain itu hasilpenelitian menemukan bahwa terdapat peningkatan aset yang signifikan pada bukuPT Bank ABC.

---

ABSTRACT
Banking policy developments in Indonesia after the issuance of the IndonesianBanking Architecture which aims to create a national bank that is healthy, strong andefficient, resulting in numbers of merger and acquisition transaction in Indonesianbanking. There are at least two policies, which led to these merger and acquisitiontransactions in the banking sector, namely the single presence policy and policyregarding the capital minimum requirements. The general objective of this research isto study the acquisition process of the business unit conducted by PT Bank ABC toretail, consumer finance and commercial banking business units owned by BankXYZ. Additionally, this research is studying the major challenges faced by PT BankABC and the implications of this corporate action on the condition of PT Bank ABCin terms of assets in general. This study is a qualitative research study where the datais obtained from primary data resulting from interviews and secondary data in theform of documents related to the transaction of business unit acquisitions conductedby PT Bank ABC. The research suggests that the process of acquisition transactionsbusiness unit by PT Bank ABC was involving three important phases namely the firstphase (due diligence), the second phase (regulatory approval) and third phase(integration). There are three main challenges from the research that is in connectionwith the approval from the regulator, employee recruitment and adaptation, and theuse of information technology. In addition, this research also sugests that there was asignificant increase in the book assets of PT Bank ABC;Banking policy developments in Indonesia after the issuance of the IndonesianBanking Architecture which aims to create a national bank that is healthy, strong andefficient, resulting in numbers of merger and acquisition transaction in Indonesianbanking. There are at least two policies, which led to these merger and acquisitiontransactions in the banking sector, namely the single presence policy and policyregarding the capital minimum requirements. The general objective of this research isto study the acquisition process of the business unit conducted by PT Bank ABC toretail, consumer finance and commercial banking business units owned by BankXYZ. Additionally, this research is studying the major challenges faced by PT BankABC and the implications of this corporate action on the condition of PT Bank ABCin terms of assets in general. This study is a qualitative research study where the datais obtained from primary data resulting from interviews and secondary data in theform of documents related to the transaction of business unit acquisitions conductedby PT Bank ABC. The research suggests that the process of acquisition transactionsbusiness unit by PT Bank ABC was involving three important phases namely the firstphase (due diligence), the second phase (regulatory approval) and third phase(integration). There are three main challenges from the research that is in connectionwith the approval from the regulator, employee recruitment and adaptation, and theuse of information technology. In addition, this research also sugests that there was asignificant increase in the book assets of PT Bank ABC, Banking policy developments in Indonesia after the issuance of the IndonesianBanking Architecture which aims to create a national bank that is healthy, strong andefficient, resulting in numbers of merger and acquisition transaction in Indonesianbanking. There are at least two policies, which led to these merger and acquisitiontransactions in the banking sector, namely the single presence policy and policyregarding the capital minimum requirements. The general objective of this research isto study the acquisition process of the business unit conducted by PT Bank ABC toretail, consumer finance and commercial banking business units owned by BankXYZ. Additionally, this research is studying the major challenges faced by PT BankABC and the implications of this corporate action on the condition of PT Bank ABCin terms of assets in general. This study is a qualitative research study where the datais obtained from primary data resulting from interviews and secondary data in theform of documents related to the transaction of business unit acquisitions conductedby PT Bank ABC. The research suggests that the process of acquisition transactionsbusiness unit by PT Bank ABC was involving three important phases namely the firstphase (due diligence), the second phase (regulatory approval) and third phase(integration). There are three main challenges from the research that is in connectionwith the approval from the regulator, employee recruitment and adaptation, and theuse of information technology. In addition, this research also sugests that there was asignificant increase in the book assets of PT Bank ABC]