The company was first established under the name of PT Liman International Bank in 1990 based on the deed of establishment No. 99 on August 15th 1990. The operating license as a Commercial Bank was determined through a Bank Indonesia letter dated November 21st 1991. On November 8th 2012, the name was changed to PT Bank Dinar Indonesia. This name change was decided through an Extraordinary General Meeting of Shareholders (EGMS) and has been approved by Bank Indonesia and the Ministry of Law and Human Rights of Republic of Indonesia. Since July 11st 2014, the Company's shares have been officially listed on the Indonesia Stock Exchange (IDX) with DNAR stock code so that the name of the Company at that time became PT Bank Dinar Indonesia Tbk (Bank Dinar). On October 25th, 2018 Bank Dinar was officially acquired by APRO Financial Co., Ltd (APRO) a large financial institution originating from South Korea. The acquisition transaction was carried out through the purchase of 77.38% shares of Bank Dinar.

On July 8th, 2019 Bank Dinar merger with PT Bank Oke Indonesia (Bank Oke) which is also owned 99% by APRO. Bank Oke itself was previously named Bank Andara which was founded in 1980 under the name of Andil Indonesia Airlines Bank Pasar Seri Partha. In 1989 obtained a license as a commercial bank and in 1997 changed its name to PT Bank Sri Partha which focused on financing for Micro Small and Medium Enterprises in Bali. After being acquired by a group of shareholders who have an international reputation both in the social and banking fields, on April 20th 2009 changed its name to Bank Andara after obtaining approval from Bank Indonesia. On November 18th 2016, Bank Andara and APRO signed an acquisition deed which marked the effective acquisition by APRO. Bank Andara's acquisition transaction is done through the purchase of Bank Andara's new shares by 40% and a year after the acquisition, precisely in May 2017, APRO bought shares from other Shareholders so that the ownership became 99%. In August 2017, Bank Andara officially changed to Bank Oke Indonesia and was approved by the Otoritas Jasa Keuangan Republic of Indonesia.

In the merger, Bank Oke is a merged bank while Bank Dinar is a bank that receives a merger (surviving Bank), and since August 26th, 2019 the Company changed its name from PT Bank Dinar Indonesia Tbk to PT Bank Oke Indonesia Tbk. Bank Oke Indonesia DNAR

Vision :

To become the best bank in prioritizing service excellent.

Mission :

To give trust to customers as well as contribute to the society with the best service. Bank Oke Indonesia DNAR

Bank Andara won Hanson Wade’s award on The MicroFinance Recognition Awards Asia 2011, as the most Innovative Use of Technology for MicroFinance, which has been held on January 24-27th 2011 in Singapore. Don Johnston as the Chief Business Development Officer received the award on behalf of the bank. Bank Andara implemeted Fundamo’s technology in developing AndaraLink as a product and network to streghten Micro Finance Institutions (MFIs)’ competitiveness in Indonesia.

Awarded by Hanson Wade, who creates world-class business and scientific events. Hanson Wade’s goal is to accelerate progress within organizations and across industries. Their primary method for achieving this is by creating exclusive business conferences that gather together the world’s smartest thinkers and doers on specific subjects.

Bank Andara won award in Indonesia Banking Award 2013 that was conducted on September 26, 2013 in Jakarta. Bank Andara won Good Corporate Governance (GCG) aspect and Information Technology aspect for core capital bank category.

Indonesia Banking Award 2013 is the highest award appreciation to Indonesian Banks and Indonesian Banks’ CEO (either Private Banks, State-Owned Banks, Sharia Banks and Local Banks) that succeed in improving the Bank’s Delta Growth Performance, also providing significant contribution to business development, capital markets, investment and economy in Indonesia.

Bank Andara in 2014 has received again an appreciation awards in the Indonesia Banking Award event. Announced on November 18, 2014, the judgment is assessed by the Banks Association and the Institute Economic Review Magazine for Banks, State-Owned Banks, Sharia Banks, and Local Banks. Bank Andara grabbing the 3rd Rank for category: BUKU 1 - Non Public Listed Company.

Bank Oke Indonesia and 64 other National Banks on the "Infobank Awards 2018" title received the title "Very Good" at the Royal Ambarrukmo Hotel, Yogyakarta, Tuesday, August 14, 2018.

This award is based on recording its best financial performance in 2017. According to the results of a study entitled "Bank 15 Rating 2018" conducted by the Infobank Research Bureau, the 64 banks managed to carve out brilliant performances to get the title of "Very Good".

As many as 64 banks out of a total of 115 banks in Indonesia won the "Infobank Awards 2018" award for successfully recording their best financial performance in 2017.

The "Very Good" title is the highest predicate in the Infobank version of the bank that has been done since 1995.

PT Bank Oke Indonesia (OK! Bank), based on the Infobank and Isentia Research Survey in 2018 won first place in the category of Conventional Commercial Bank Savings products “OK! Saving” in the “8th Infobank Digital Brand Awards 2019”. The event was held on Thursday 16 May 2019 at The Westin Jakarta and the award was received directly by Denny Setiawan Hanubrata, Business Director of OK! Bank. Bank Oke Indonesia DNAR

Supporting Professions

PUBLIC ACCOUNTANT

Comply to Financial Services Authority Regulation No.13/POJK.03/2017 regarding the Use of Public Accountant Services and Public Accounting Firms in Financial Services Activities, and based on the approval of the Company's Annual General Meeting of Shareholders on May 23, 2019 by granting power of attorney to the Board of Commissioners to appoint The Accounting Firm that will conduct a financial audit of the Company for the fiscal year ending December 31, 2019. The Public Accountant and the Public Accounting Firm are:

1. AUDITING FIRM
Name: Paul Hadiwinata, Hidajat, Arsono, Retno, Palilingan & Rekan
Number of Registered Certificate: STTD.KAP-00032/PM.22/2017
Address: UOB Plaza Lt.42 Jl. M.H. Thamrin Lot 8-10 Jakarta 10230

2. PUBLIC ACCOUNTANT
Name: Ary Daniel Hartanto, S.E, Ak., CA, CPA, SAS
PA Registration Number

BIRO ADMINISTRASI EFEK

PT. Ficomindo Buana Registrar
Jl. Kyai Caringin Nomor 2-A RT.11/RW.04 Cideng, Gambir, Jakarta Pusat 10150 Bank Oke Indonesia DNAR

OK! Bank Indonesia

What is microfinance?

Microfinance refers to a variety of devices and small-scale financial services such as loans, insurance, savings, mortgages, which are offered to low-income clients. The most common form of microfinance is microloans, which are small loans in the range of less than $ 100 to several hundred dollars, often given to women, to establish or expand small businesses that are sustainable

Who is the target of OK! Bank Indonesia service?

OK! Bank Indonesia service targets are those who still do not reach adequate access to financial services

Who are the customers of OK! Bank Indonesia?

OK! Bank Indonesia customers are local micro finance institutions which play the important role to reach and provide financial services to the unbanked and under banked people in Indonesia

Why OK! Bank Indonesia chose to focus on assist in the development of the microfinance sector?

Consortium of investors, employees, and partners of OK! Bank Indonesia have extensive knowledge financially and socially, which puts OK! Bank Indonesia in a strong position to trust and understand how to increase the capacity in MFIs that do not have access to banking. It is a challenge to provide products and services that are really needed by MFIs and their clients to assist in the development of the microfinance sector locally.

How does microfinance help community escape poverty?

Microfinance is one of the most effective strategies to alleviate poverty. This strategy has been proven and sustainable to provide low-income residents access to capital and other financial services, which they cannot get from large-scale commercial banks. Microfinance services help low-income residents to start a business, collecting income and reduce their financial risk. Bank Oke Indonesia DNAR

OK! Loan

What is OK! Loan?

OK! Bank Indonesia loan is loan from OK! Bank Indonesia to microfinance institutions (MFIs) to meet capital requirements, given to MFI borrowers who meet the requirements.

Who is eligible to get OK! Loan?

Only microfinance institutions (MFIs) such as rural bank (BPR), Cooperatives, Credit Union, venture capital and other form of MFI are eligible to get OK! Bank Indonesia loan.

Why choose OK! Loan?

OK! Bank Indonesia has a primary business focus is to expand access to financial services through microfinance institutions in terms of product development, service and technology.

How much loan limit that can be obtained?

Credit limit that can be obtained is determined according to the results of a credit assessment by OK! Bank Indonesia.

What is the maximum OK! Loan term?

Currently, the maximum loan term is 60 months.

What requirements are necessary to obtain OK! Bank Indonesia Loan?

Applying for a loan
Has a minimum paid up capital of Rp. 500 million (five hundred million Rupiah)
Has had a business license from the institution/agency authorities and has been in operation for at least two years, as evidenced by all legal documents and licenses from the relevant authorities
Has the annual financial statements & monthly financial statements
Capital Adequacy Ratio (CAR) minimum of 10%
Non Performing Loan (NPL) maximum of 8%

Are there any tips to speed up the credit review decision?

Submit required documents completely and correctly. Bank Oke Indonesia DNAR

OK! Time Deposit

What is OK! Bank Indonesia Deposit?

OK! Bank Indonesia Deposit is a time deposit product of OK! Bank Indonesia with tenor options 1, 3, 6 and 12 months, offers competitive interest rates and a variety of additional services that make OK! Bank Indonesia Deposit an innovative deposit products.

Who is eligible to place fund in OK! Bank Indonesia Deposit?

Individual
Microfinance institutions
Institutions/Corporate/Foundation

Why choose OK! Bank Indonesia Deposit?

Because by placing funds in OK! Bank Indonesia means have participated promote microfinance sector in Indonesia and help provide access to financial services to low-income communities.

What are the benefits of OK! Bank Indonesia Deposit?

Secure with guarantee from LPS*
Save because shareholders of OK! Bank Indonesia is a large investor group such as MercyCorps, IFC, The Hivos – Triodos Fonds, KFW, Cordaid and Developing World Markets
Interest rates are very competitive and make your investment grow faster. The interest is calculated based on the actual number of days (1 year 365 days counted). Also receive other additional benefits
Automatic Roll Over (ARO)
Offers a variety of additional services for MFI's clients, such as joint training or travelling sponsorship

What are the documents requirements?

1. Individual

Deposit minimum of IDR 50.000.000 (Fifty million Rupiah)
Fill in deposit opening form
Submit additional documents such as KTP/SIM/Passport and NPWP for Indonesian Citizen, or Passport and KIMS/KITAS for foreigner

2. Institutions

Deposit minimum of IDR 100.000.000 (One hundred million Rupiah)
Fill in deposit opening form
Submit additional documents such as KTP/SIM/Passport and NPWP of the authorized personnel also SIUP, NPWP, Akta Pendirian Perusahaan and its latest amendment (adjusted to the type of institution) Bank Oke Indonesia DNAR

OK! Savings

What is OK! Savings?

OK! Savings is a savings product with the flexibility of OK! Bank Indonesia high to accommodate the business needs of the individual customer and the MF

Who is eligible to open OK! Savings account?

•    Individual
•    Microfinance institutions
•    Institutions/Corporate

What is OK! Savings?

OK! Savings is one profitable investment instruments with a variety of advantages including easy requirements compare to opening deposits, make it easier for customers to control financial flow. In addition also get free monthly administration fee and competitive interest rates.

Other benefits, such as:
Uncomplicated
Less complicated account opening requirements either for individual/MFI/institution customers.

Flexible
Get the flexibility to withdraw money anytime you want – according to your needs with OK! Savings

Secure
Your fund is secure and guaranteed by Lembaga Penjamin Simpanan (LPS)

Monthly Administration Fee
Savers Customers OK! Savings are subject to a monthly admission fee of IDR 10,000

Free gift
Get a free souvenir* for every OK! Savings account opening

What are requirements to open OK! Savings account?

Individual: KTP and NPWP (optional)
Institutions: SIUP, NPWP, Akte Pendirian Perusahaan and the latest revision
Opening balance minimum of Rp 1.000.000 (One million Rupiah)
Next deposit minimum of Rp 500.000 (Five hundred thousand Rupiah) Bank Oke Indonesia DNAR

OK! Bank Bersama BPR

What is OK! Bank Bersama BPR (OBB)?

OBB is a form of cooperation of OK! Bank Indonesia with rural banks (“BPR”) in which OK! Bank Indonesia serves as a coordinator bank to collect and distribute funds from and to BPR members of OBB, which aims to maintain the liquidity of the BPR members

Who can join OBB?

All rural banks (BPR) who is a member of DPD Perbarindo and meet membership requirements

Why must join OBB?

OBB was established as a media of fund collection and management sourced from the members of OBB and OK! Bank Indonesia. The goal is to keep the liquidity risk of OBB members when a fund mismatch occurs. By joining a member of OBB, BPR will have the ability to prevent the possibility of a worse liquidity shortage.

Who currently member of OBB?

Now there are 192 BPR members of OBB which divided into three regions or areas: OBB DKI Jaya, OBB Bali and OBB West Nusa Tenggara (NTB).

What are benefits of OBB member?

1. Free periodically training from OK! Bank Indonesia
2. Free OK! LINK installation, including banner & brochure production
3. Fund placement facility in Deposito OK! Bank Indonesia
4. Uncomplicated process of OK! Bank Indonesia credit loan
5. Receive information on OK! Bank Indonesia’s latest product
6. Able to build more solid partnership with fellow BPR OBB members facilitated by OK! Bank Indonesia

What are requirements for OBB member?

Registered as a member of Perbarindo;
Located in DPD Perbarindo area who already cooperate with OK! Bank Indonesia to form OBB;
It has been in operation for at least 2 (two) years;
Non Performing Loan (NPL) maximum of 13%;
Capital Adequacy Ratio (CAR) minimum of 8%;
Minimum asset of Rp 1 billion;
Capital paid-up in accordance with BI regulation;
Having a giro account in OK! Bank Indonesia;
Completing all documents required by OK! Bank Indonesia. Bank Oke Indonesia DNAR

OK! Corporate Internet Banking

What is the OK! Corporate Internet Banking?

OK! Corporate Internet Banking is a service from OK! Bank Indonesia which intended to provide convenience to Corporate customer in conducting banking transactions both financially and non-financially in real time.

What is offered by OK! Corporate Internet Banking?

OK! Corporate Internet Banking give you a very attractive service feature i.e :

Inquiry (Account, Account History, Transaction Result Inquiry)
Transfer (OK! Bank to OK! Bank, SKN, RTGS, Bulk Transfer)
Loan (Loan Inquiry, Due Date Information)
User Management (User Management, Account Management, Authentication Line Setting)

How to be able to enjoy OK! Corporate Internet Banking services?

Customer can go to the nearest OK! Bank Indonesia branch office with the step as follows :

Fill in and signing into ATM Card and Electronic Services form.
Have an active e-Mail that used on smartphone.
Have an active Mobile Phone Number that used on smartphone.
Full filling the requirement required by the Bank.

Who can register OK! Bank Corporate Internet Banking services?

OK! Bank Corporate Internet Banking is provided only for customer with :

Corporate saving account (IDR).
Corporate checking account (IDR). Bank Oke Indonesia DNAR

OK! Personal Internet Banking & Mobile Banking

What is OK! Personal Internet Banking & Mobile Banking?

OK! Personal Internet Banking & Mobile Banking is a service from OK! Bank Indonesia which intended to provide convenience for Personal customer in conducting banking transactions both financially and non-financially in real time.

What is offered by OK! Bank Personal Internet Banking & Mobile Banking?

OK! Personal Internet Banking & Mobile Banking give you a very attractive service feature i.e :

Inquiry (Account, Account History, Debit Card History, Transaction Result Inquiry)
Transfer (OK! Bank to OK! Bank, Online, SKN, RTGS*, Schedule Transfer)
Open Account (Time Deposit)
Online Purchase (ex : Mobile Voucher purchase)
Bill Payment (ex : Mobile Phone payment)
Loan (Loan Account, Transaction History, Due Date Information, Loan Rate)*

How to be able to enjoy OK! Personal Internet Banking services & Mobile Banking?

Customer need to go to the nearest OK! Bank Indonesia branch office to register by filling in the form contained at the Customer Service.

Who can register OK! Personal Banking & Mobile Banking services?

To be able enjoying the OK! Personal Internet Banking & Mobile Banking services, customer needs to have one of the OK! Bank Indonesia individual account. Bank Oke Indonesia DNAR

Bank Oke Indonesia DNAR