Permata Brief as of December 2015
Permata Brief
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.
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.
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.
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 PermataBank, these main shareholders increased their joint ownership to
89.01% in 2006 and continued to support PermataBank since.
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.
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.
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.
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.
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, PermataTel
Key Financial Indicators
Tahun/ Total Asset
Laba Bersih / Net Proit
Rasio Kecukupan Modal / Capital Adequacy Ratio
Year
(IDR Bn)
(% percentage)
(IDR Bn)
182,689
2015
2014
1,726
165,834
14.1%
Dana Pihak Ketiga / Deposits
Tahun Kredit / Loan
(IDR Bn)
(IDR Bn)
127,774
2014
147,610
118,830
94,425
69,263
Non Performing Loan / NPL
(% percentage)
145,091
131,894
2013
14.3%
15.9%
1,157
2015
13.6%
1,368
101,324
2011
2011
1,588
131,799
2012
2012
15.0%
185,354
2013
/Year
247
132,765
104,740
82,636
page 1
Peringkat / Ratings
PT Pemeringkat Efek Indonesia (“Peindo”)
•
•
•
•
PT Fitch Ratings Indonesia (“Fitch”)
•
•
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).
Komite Manajemen / Management Committees
Dewan Komisaris / Board of Commissioner
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
Komisaris Independen / Independent Commissioner
David Allen Worth
Komisaris Independen / Independent Commissioner
Tony Prasetiantono
Komisaris / Commissioner
Mark Spencer Greenberg
Komisaris / Commissioner
Sebastian Ramon Arcuri
Direksi / Board of Directors
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
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.
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.
Segmen pelanggan:
Priority Banking, Preferred Banking, Personal Banking
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)
SME Banking Products: Business loans, trade finance, cash
management and foreign exchange.
page 2
Keunggulan Kompetitif / Competitive Strengths
•
•
•
•
Pemegang saham utama bereputasi tinggi yang memberikan
peluang sinergi luas
Ragam produk lengkap dengan kualitas layanan prima
Saluran distribusi yang komprehensif dengan kemampuan e-Channel
sebagai diferensiasi yang nyata
Manajemen risiko yang kuat
•
•
•
•
Majority shareholders with high reputation providing vast synergy
opportunities
Innovative products and services coupled with service excellence
Extensive branch network and comprehensive delivery channels
with e-Channel capabilities as strong diferentiator
Strong Risk Management
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
Segmen klien:
Middle Market, Automotive Value Chain, Corporate Group Value Chain,
Financial Institution, Local Corporate, Commodity Corporate
Client Segments:
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)
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)
•
•
•
•
•
•
•
•
Keberlanjutan / Sustainability
Kami percaya bahwa masyarakat yang diberdayakan akan terus membangun 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.
page 3
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.
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.
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.
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 PermataBank, these main shareholders increased their joint ownership to
89.01% in 2006 and continued to support PermataBank since.
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.
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.
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.
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.
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, PermataTel
Key Financial Indicators
Tahun/ Total Asset
Laba Bersih / Net Proit
Rasio Kecukupan Modal / Capital Adequacy Ratio
Year
(IDR Bn)
(% percentage)
(IDR Bn)
182,689
2015
2014
1,726
165,834
14.1%
Dana Pihak Ketiga / Deposits
Tahun Kredit / Loan
(IDR Bn)
(IDR Bn)
127,774
2014
147,610
118,830
94,425
69,263
Non Performing Loan / NPL
(% percentage)
145,091
131,894
2013
14.3%
15.9%
1,157
2015
13.6%
1,368
101,324
2011
2011
1,588
131,799
2012
2012
15.0%
185,354
2013
/Year
247
132,765
104,740
82,636
page 1
Peringkat / Ratings
PT Pemeringkat Efek Indonesia (“Peindo”)
•
•
•
•
PT Fitch Ratings Indonesia (“Fitch”)
•
•
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).
Komite Manajemen / Management Committees
Dewan Komisaris / Board of Commissioner
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
Komisaris Independen / Independent Commissioner
David Allen Worth
Komisaris Independen / Independent Commissioner
Tony Prasetiantono
Komisaris / Commissioner
Mark Spencer Greenberg
Komisaris / Commissioner
Sebastian Ramon Arcuri
Direksi / Board of Directors
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
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.
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.
Segmen pelanggan:
Priority Banking, Preferred Banking, Personal Banking
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)
SME Banking Products: Business loans, trade finance, cash
management and foreign exchange.
page 2
Keunggulan Kompetitif / Competitive Strengths
•
•
•
•
Pemegang saham utama bereputasi tinggi yang memberikan
peluang sinergi luas
Ragam produk lengkap dengan kualitas layanan prima
Saluran distribusi yang komprehensif dengan kemampuan e-Channel
sebagai diferensiasi yang nyata
Manajemen risiko yang kuat
•
•
•
•
Majority shareholders with high reputation providing vast synergy
opportunities
Innovative products and services coupled with service excellence
Extensive branch network and comprehensive delivery channels
with e-Channel capabilities as strong diferentiator
Strong Risk Management
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
Segmen klien:
Middle Market, Automotive Value Chain, Corporate Group Value Chain,
Financial Institution, Local Corporate, Commodity Corporate
Client Segments:
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)
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)
•
•
•
•
•
•
•
•
Keberlanjutan / Sustainability
Kami percaya bahwa masyarakat yang diberdayakan akan terus membangun 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.
page 3