Permata Brief
Permata Brief
PT Bank Permata Tbk. (“PermataBank”) was established through a merger of ive banks under the oversight of IBRA (Indonesian Banking Restructuring Agency), namely PT Bank Bali Tbk., PT Bank Universal Tbk., PT Bank Prima Express, PT Bank Artamedia, and PT Bank Patriot in 2002.
In 2004, Standard Chartered Bank and PT Astra International Tbk. took over PermataBank and started a major transformation of the organization. Subsequently, as a manifestation of their commitment to Permata-Bank, these main shareholders increased their joint ownership to 89.01% in 2006 and continued to support PermataBank since.
PT Astra International Tbk. is a leading Indonesian company with extensive experience in the domestic market, whilst Standard Chartered Bank is a well respected international bank with market leading expertise and global experience. The unique combination of our strategic shareholders has created a synergy to become one of our core strengths, one that is unique in the Indonesian banking industry.
Throughout its growth journey, PermataBank has been guided by a simple vision, to be the pioneer in delivering innovative inancial solutions; and PRICE (Partnership, Responsiveness, Innovation, Caring and Excellence) as the set of values which become PermataBank’s principle beliefs and guides the way PermataBankers work and behave.
page 1 PT Bank Permata Tbk. (“PermataBank”) merupakan hasil merger
lima bank dibawah pengawasan dari Badan Penyehatan Perbankan Nasional (BPPN), yaitu PT Bank Bali Tbk., PT Bank Universal Tbk., PT Bank Prima Ekspress, PT Bank Artamedia, dan PT Bank Patriot di tahun 2002.
Di tahun 2004, Standard Chartered Bank dan PT Astra International Tbk. mengambil alih PermataBank dan memulai proses transformasi organisasi. Lebih lanjut, sebagai wujud komitmen mereka terhadap PermataBank, kepemilikan gabungan pemegang saham utama ini meningkat menjadi 89,01% pada tahun 2006 dan selanjutnya terus mendukung PermataBank.
PT Astra International Tbk. adalah perusahaan terkemuka di Indonesia yang memiliki pengalaman kuat di pasar domestik, sementara Standard Chartered Bank adalah bank internasional terkemuka dengan keahlian dan pengalaman global. Kombinasi unik dari kedua pemegang saham strategis ini menjadi salah satu kekuatan utama dan keunikan PermataBank dalam industri perbankan di Indonesia.
Dalam perjalanannya untuk tumbuh dan berkembang, PermataBank memiliki visi untuk menjadi pelopor dalam memberikan solusi keuangan yang inovatif; dan seperangkat nilai yang disebut PRICE (Partnership, Responsiveness, Innovation, Caring and Excellence), yang menjadi nilai-nilai utama PermataBank sebagai panduan bagi para PermataBankers dalam bekerja dan berperilaku.
Key Financial Indicators
Informasi Perusahaan /
Corporate Information
•
Aset / Asset: IDR 183 trilion•
Karyawan / Employees: ~7,800•
Kantor Cabang Konvensional / Conventional branch oices: 318•
Kantor Cabang Syariah / Sharia branch oices: 17•
Kantor Pelayanan Syariah / Sharia Oice Channeling: 301•
Cabang Bergerak / Mobile Branches: 22•
Cakupan Kota / Cities Coverage: 63•
Unit ATM yang dimiliki / Proprietary ATM: 1,027•
Kemampuan perbankan Internet & Mobile yang luas / Extensive Internet & Mobile banking capabilities•
Layanan Pelanggan PermataTel Call Center yang memenangi beragam penghargaan / Award winning call center, PermataTel182,689
page 2 Direktur Utama/ President Director
Roy Arman Arfandy
Wakil Direktur Utama / Vice President Director Julian Loong Choon Fong
Direktur Legal & Kepatuhan (Direktur Independen) / Legal & Compliance Director (Independent Director)
Mirah Wiryoatmodjo
Direktur Keuangan / Finance Director
Sandeep Kumar Jain
Direktur Sumber Daya Manusia / Human resources Director
Indri Koesindrijastoeti Hidayat
Direktur Risiko / Risk Director Michael A. Coye
Direktur Retail Banking / Retail Banking Director Bianto Surodjo
Direktur Teknologi & Operasi / Technology & Operations Director Tjioe Mei Tjuen
Direktur Wholesale Banking / Wholesale Banking Director
Anita Siswadi
Direktur Unit Usaha Syariah / Sharia Business Unit Director Achmad Kusna Permana
Direksi / Board of Directors
Komisaris Utama / President Commissioner
Cheng Teck Lim
Wakil komisaris Utama / Vice President Commissioner
Gunawan Geniusahardja
Komisaris Independen / Independent Commissioner
Lukita Dinarsyah Tuwo
Komisaris Independen / Independent Commissioner
I. Supomo
Peringkat /
Ratings
PT Pemeringkat Efek Indonesia (“Peindo”)
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Peringkat Korporasi /Corporate Rating: id AAA/Stable outlook.•
Peringkat Obligasi/ Senior Bond Rating: id AAA.•
Peringkat Obligasi Subordinasi/Subordinated Bonds Rating: id AA+.•
Peringkat Obligasi Subordinasi Basel-III Compliant /Basel-III Compliant Subordinated Bonds Rating: id AA.•
Peringkat Nasional Jangka Panjang / National Long Term Rating: AAA(idn)/Stable outlook.•
Peringkat Nasional Jangka Pendek / National Short Term Rating: F1+(idn).PT Fitch Ratings Indonesia (“Fitch”)
Komite Manajemen
/ Management Committees
Komisaris Independen / Independent Commissioner
David Allen Worth
Komisaris Independen / Independent Commissioner
Tony Prasetiantono Komisaris/ Commissioner
Mark Spencer Greenberg Komisaris/ Commissioner
Sebastian Ramon Arcuri Dewan Komisaris / Board of Commissioner
Retail Banking
Bisnis Retail Banking PermataBank melayani kebutuhan UKM, Syariah, Personal, Preferred dan Priority Banking bagi pelanggan dan keluarga mereka, dengan menawarkan serangkaian produk dan layanan yang lengkap dan inovatif untuk memenuhi pinjaman, wealth management dan kebutuhan bertransaksi. Pendekatan yang berfokus pada pelanggan memungkinkan pemahaman atas kebutuhan pelanggan yang terus berkembang dan penyediaan solusi keuangan yang sesuai.
Segmen pelanggan:
Priority Banking, Preferred Banking, Personal Banking
PermataBank’s Retail Banking business serves the needs of SME, Islamic, Personal, Preferred and Priority Banking customers and their families, ofering a full suite of innovative products and services to meet borrowing, wealth management and transacting needs. A customer-focused approach enables deeper understanding of customers’ evolving needs and the provision of customized inancial solutions.
Customer Segments:
Priority Banking, Preferred Banking, Personal Banking
Produk:
•
Retail Transaction Banking: Giro dan tabungan (anak, remaja &dewasa), kartu debit, deposito, perbankan bagi karyawan (payroll).
•
Kredit: KPR, KTA, kartu kredit, kredit otomotif (joint inance).•
Wealth Management: produk Investasi dan treasury•
Bancassurance•
Perbankan Syariah (PermataBank Syariah)•
Produk Perbankan UKM: Pinjaman bisnis, trade finance, cash management dan valuta asing.Products:
•
Retail Transaction Banking: Current and savings accounts (kids, teens & adults), debit cards, term deposits, Employee Banking (payroll).•
Lending: Mortgages, personal loans, credit cards, auto loans (joint finance).•
Wealth Management: Investment and treasury products•
Bancassurance•
Sharia Banking (PermataSyariah)page 3
Keberlanjutan /
Sustainability
Kami percaya bahwa masyarakat yang diberdayakan akan terus mem-bangun untuk dirinya sendiri, dengan sendirinya, untuk dunia yang lebih baik, dan bahwa kami memiliki peran dalam memberikan kontribusi kembali kepada masyarakat. Di bawah merek PermataHati, kami menciptakan manfaat jangka panjang dalam sektor edukasi dengan keterlibatan karyawan sebagai pendorong utama melalui tiga pilar inisiatif: Pengembangan Manusia, Peningkatan Fasilitas maupun Pemberdayaan Komunitas. Sejak dibentuknya PermataHati pada tahun 2010, lebih dari 9.000 sukarelawan karyawan (EVO) telah menghasilkan sekitar 35.500 Poin Senyum, yang diterjemahkan sebagai sekitar 3.550 beasiswa untuk anak-anak usia sekolah yang kurang mampu.
We believe that an empowered society will build for itself, by itself, a better world, and that we have a role in making contribution back to society. Under branding PermataHati, we create long term beneits in education by having employee involvement as the key driver through three pillars initiatives: Human Development, Facility Enhancement and Community Empowerment. Since PermataHati’s conception in 2010, more than 9,000 employee volunteers generated approximately 35,500 Smiling Points (Poin Senyum), which were translated into approximately 3,550 scholarships for underpriviliged school-age children.
Wholesale Banking
Bisnis perbankan Wholesale Banking PermataBank, melalui Client Relationship-nya, memberikan layanan cash management yang terstandar dan terintegrasi, trade, securities and agency services serta berbagai instrumen keuangan dan solusi valuta asing yang komprehensif.
PermataBank’s Wholesale Banking business, through its Client Relationship, provides standardized and integrated cash management, trade, securities and agency services as well as a comprehensive range of inancial instruments and foreign exchange solutions
Client Segments:
Middle Market, Automotive Value Chain, Corporate Group Value Chain, Financial Institution, Local Corporate, Commodity Corporate
Products:
•
Transaction Banking: Cash management, Trade Services & Financing, Securities and Agency Services.•
Lending: Term Loan, Revolving Loan and Overdraft.•
Financial Markets: FX•
Sharia Banking (PermataSyariah) Segmen klien:Middle Market, Automotive Value Chain, Corporate Group Value Chain, Financial Institution, Local Corporate, Commodity Corporate
Produk:
•
Transaction Banking: Cash management, Trade Services & Financing,Securities and Agency Services.
•
Kredit: Term Loan, Revolving Loan and Overdraft.•
Pasar Keuangan: Valuta Asing•
Perbankan Syariah (PermataBank Syariah)Keunggulan Kompetitif / Competitive Strengths
