PT Bank Pan Indonesia, Tbk (hereinafter referred to as PaninBank) is one
of the biggest commercial and retail banks in Indonesia. It was
established in 1971 from the business merger of Bank Kemakmuran, Bank
Industri Djaja Indonesia, and Bank Industri & Dagang Indonesia,
PaninBank acquired a license as foreign exchange licensed bank in 1972.
Furthermore, in 1982, PaninBank performed initial public offering and
became the first bank in Indonesia to list its share on the stock
exchange.
Supported with strong fundamental foundation, PaninBank has proven its
capacity to overcome arduous periods of Indonesia’s economy. In 1998, as
Indoensia struggled with economic crisis as an impact from Asia’s
economic recession in the previous year. PaninBank was able to survive
as a Category “A” Bank which does not require government assistance to
be recapitalized. In the following periods, PaninBank continued to
develop numbers of product and service in retail and commercial banking
sector.
PaninBank grows as one of the leading small medium enterprise (SME)
banks in Indonesia supported by competitive Human Resources (HR). With
various products and services in Consumer, SME and Micro, Commercial,
Corporate, and Treasury products, PaninBank maintains its commitment to
grow with tested competence in generating values in accordance with the
prudential principle.
PaninBank has an evenly-spread operational network throughout the
country. Until 2018, we have more than 560 branches throughout
Indonesia, not including representative office in Singapore. Our prime
services are also supported by Digital banking, Mobile Banking, Internet
Banking, Biznet Panin, and more than 960 automatic teller machines
(ATM) established from Aceh at the top west up to Papua in the eastern
region of the country.
As of December 31, 2018, total assets of PaninBank reached Rp207.20
trillion. During the year, loan disbursement grew by 7.93% to Rp151.57
trillion followed by customer deposits which grew to Rp137.69 trillion.
In its development to date, PaninBank strives to improve the
implementation of good corporate governance process and effectively
utilize information technology to meet the demand for business growth
and era development.
Bank Pan Indonesia PNBN
Mission and Strategy
Mission
To transform Panin Bank into the one of Indonesia's leading consumer and business banks.
Strategy
- Customers
Be customer focused, understanding their needs and delivering value chain services.
- Products
Develop and distribute leading edge products to support our customer's business goal.
- Distribution
Build multi -channel distribution capabilities to reach customer nation-wide and to support regional economic growth.
- Efficiency
Re-engineering our service processes to speed up customer's transaction and deliver on efficient and competitive pricing through technology developments.
- Staff
Embrace and enhance corporate culture to fully recognize individual achievements and continue motivating our staff towards better customer service and higher productivity.
- Shareholders
Capitalizing on our core business strength and franchise values to achieve superior performance that will bring benefits to stakeholders. Bank Pan Indonesia PNBN
Achievement and Reputation
2014
- InfoBank Awards: On the financial performance of "Excellent " from 2009 to 2013 ( Jakarta , July 18, 2014 )
- Cards & Electronic Payments International Asia Trailblazer Award 2014: Best Technology Initiative Highly Commended
- JP Morgan : 2014 Elite Quality Recognition Award US Dollar Clearing MT103 Recognized 99.34 % From 2002 to 2013
- 2013 STP Excellence Award For Highest Rate for Euro denominated Commercial Payments In Indonesia for 2013. ING June 2014.
- BCA : 2013 USD Direct Settlement STP Excellent Award . Japan , April 2014
- Economic Review : Indonesian Banking Award 2014 PT . Bank Panin Tbk . rating 7
- inside 3 Company Book Tbk , with Core Capital Rp . 5T - 30T
2013
- Ranked as one of The Six Biggest Banks in Indonesia in 2013
- Received Bisnis Indonesia Awards 2013
- “Bisnis Indonesia Awards 2013 in honor of being the Best Company in Financial Sector”
- Achieved Info Bank Golden Trophy 2013
- “Info Bank Golden Trophy 2013 in the category of BUKU 3 or banks with core capital between Rp 5 trillion and Rp 30 trillion
- Received Banking Efficiency Awards 2013
- “Received Efficiency Awards in the category of general foreign exchange bank”
2012
- Received ASIAN BANKER AWARDS – EXCELLENCE AWARDS
- "Best Improved Retail Bank in Asia Pacific, Central Asia, Africa and the Gulf Region"
- "Best Core Banking Implementation for Small Sized Banks"
- Received SEPUTAR INDONESIA - CSR AWARDS
- "Panin Bank Reforest Indonesia - Sindo CSR Award"
- Received BANK of NEW YORK - Mellon STP Award
- "In Recognition of Outstanding Payment Formatting and Straight Through Rate" 2011
- Received JP MORGAN Quality Recognition Award
- Quality Recognition Awards - "US Dollar Clearing MT 103 97.88% Recognized from 2001-2010"
- Received ING Bank STP Award for Excellence
- "Highest STP rate for Euro Denominated Commercial Payments in Indonesia for 2011"
- Received Bisnis Indonesia
- "Banking Efficiency Award 2011 - Kategori Bank Umum Swasta Nasional Devisa"
- Received InfoBank Golden Trophy
- "Bank with Excellent Category 2006-2011-Golden Award" (Bank Berpredikat SANGAT BAGUS periode 2006-2011)"
- Received Bisnis Indonesia Awards 2012
- “Bisnis Indonesia Awards 2012 in the category of the Best Bank 2012”
- Received Info Bank Awards 2012
- “Info Bank Awards 2012 in honor of “Very Good” performance within Rating of 120 Banks in Indonesia”
2011
Received Asian Banking & Finance Magazine's "Best Environtmental
Initiative-Indonesia", InfoBank's "Bank with Excellent Category - Golden
Award", Received JP Morgan Chase's "Product Innovation Award", and
"Quality Recognition Award".
2010
Received Markplus insight and marketeers Magazine's "Indonesian Brand
Champion Award", Asiamoney's "3rd Best Domestic Provider of FX Serices
in Indonesia" and "2nd Best FX Prime Broking Service", InfoBank's "Bank
with Excellent Category Award".
2009
Received JP Morgan Chase's "Product Innovation Award" and "Quality
Recognition Award", The Bank of New York-Mellon's "Outstanding Payment
Formatting and Sraight-Through Processing (STP) Award", InfoBank's "Bank
with Excellent Category Award", ABFI Institute Perbanas and Tempo
Magazine, The Best Bank in the Private Sector Award". The Minister of
Finance Republic of Indonesia's "The Best ORI 6 Selling Agent".
Citibank's "Citi Performance Excellence Award."
2008
Received InfoBank's "Banking Service Excellence Award", and "Bank with
Excellent Category Award", Bisnis Indonesia's "The Most Efficient Bank
2008", The Minister of Finance Republic of Indonesia's "The Best ORI 2
Agent" Social Welfare Department Republic of Indonesia's "Padma Award",
and ABFI Institute Perbanas and Tempo Magazine, "The Best Bank in the
Large Bank Category Award". Commerzbank's "STP Award-Excellent Quality".
2007
- Received the “Most Active Participant in Corporate Bond Transaction in the Bank Category” award by the Surabaya Stock Exchange.
- Received three award by Marketing Research Indonesia (MRI) and Infobank Magazine:
- Best Performance, Internet Banking – Runner-up
- Best Performance SMS Banking – Runner-up
- Best Performance, Phone Banking in 2005-2006, Ranked No. 9
2006
Received Asiamoney's "Best Domestic Provider of FX Serices", The Bank of
New York's "Recognition of Outstanding Payment Formatting and Straight
Through Rate", and "The JP Morgan Quality Recognition Award" and named
one of the 4 Best Selling Agent for the ORI II Government Retail Bonds.:
Panin Bank ranked as Indonesia’s 5th largest non-state bank, and 8th largest overall. Total Assets: Rp. 40.5 trillion. Network: 273 offices.
2005
Received Elite Quality Recognition Award (JP Morgan Chase) for fund
transfer operations; nominated "Best National Bank 2005" (Bisnis
Indonesia); "Best Non-Recap Public Bank with Assets Above Rp. 10
trillion" (Investor Magazine); and "Excellence Award for Financial
Achievements" (InfoBank).
2004
Awarded "Best Public Bank" based on EVA Concept (MarkPlus and Swa),
"Best Non-Recap Bank" (Investor) and "The Most Active Participant -
Government and Corporate Bonds Trading" (Surabaya Stock Exchange).
2003
Awarded "Best Public Bank" based on EVA Concept (MarkPlus and Swa) and
"Best Bank in Forex Transaction Reporting" (Bank Indonesia).
2002
Achieved a leading position in consumer banking products and services supporting Panin Bank's retail business strategy.
2001
Rated "The Best Rated Bank in the Indonesian Banking Industry Post Crisis" by Moody s Investor Service-BFSR.
1999
Technical Assistance Agreement signed with strategic partner ANZ Banking Group, Australia which acquired 29% shareholding.
Repositioning Panin Bank's business strategy from traditionally corporate banking, undertakes retail and consumers segments. A change program in corporate culture and new business initiatives.
1998-2000
Panin Bank chosen as "The Best Domestic Bank" by Global Finance Magazine for three consecutive years.
1998
Multidimensional crisis hits Indonesia: political, economic, and social.
Panin Bank was one of only few banks certified by international
Accounting Firm as "A" category bank and was exempted from being
recapitalized by the government.
1997
Ranked as "Top 10" among 243 national commercial banks.
1982
The First Indonesian bank to go public, listing its shares on the Jakarta Stock Exchange.
1971
Established as a merger of three banks. Bank Kemakmuran (1956), Bank
Industri dan Dagang Indonesia (1956) and Bank Industri Djaya Indonesia
(1969). Bank Pan Indonesia PNBN
About GCG
1. ANTI FRAUD DECLARATION
Anti Fraud Declaration is a clear and proper statement on the
management’s stance against frauds. In this Declaration, PaninBank
asserted its commitment for “Zero Tolerance to Fraud” in running its
business based on a high code of conduct and legal standard for not
committing any fraud or other improper conducts.
2. GUIDELINE ON CODE OF CONDUCT
Through this guideline, the Bank communicates to all the Bank’s
employees and management about their expected actions and conducts.
They shall be responsible for their own conducts and they shall be
accountable for all their actions.
Standard ethique is an expected conduct by all the Bank’s employees and
management based on such expectation. This guideline must be used as a
basis for all employees in making any conduct.
This guideline should be applied based on the Bank’s applicable policies
and it shall be periodically reviewed the Bank’s dynamic development
and adjusted with this Anti Fraud policy.
4. CUSTOMER AWERENENESS
The application of GCG started with an awarness raising
campaign through various socialization programs at all levels e.g,
customer awereness, which is an education provided by the Bank for
customers.
Such education is in the form of taglines on its banners at branch offices and ATM screens.
Tagline on banners:
-
Do not keep or give your money or bank documents (such as saving books, bilyet deposito, cheque books and bilyet giro books, signed transaction slips, and ATM / Debit cards) to anyone (including the Bank’s employee outside the Bank’s official counter).
- Do not sign any blank form or document.
- Do not tell your PIN to anyone (including the Bank’s employee).
- It is safer to make bank transactions through Internet banking using token.
- Make your transactions at an ATM inside the Bank’s branch office.
Tagline on ATM screen:
- Change your PIN periodically.
- Before making any transaction at ATM, make sure there is no skimmer or other tapper around you.
- Always keep your PIN confidential.
- Change your PIN periodically i.e., every 2-3 months.
5. ANTI MONEY LAUNDERING AND KNOW YOUR CUSTOMER PRINCIPLES
PT Bank Panin Tbk has been applying the Anti Money Laundering and Know Your Customer Principles since the enactment of Bank Indonesia’s Regulation No 3/10/PBI/2001 concerning Know Your Customer Principles in 2001.
To apply these principles consistently and sustainably, the Bank’s UKPN unit take following actions:
- Preparing programs to apply Anti Money Laundering and Know Your Customer Principles;
- Preparing policies and procedures on Anti Money Laundering and Know Your Customer Principles;
- Conducting training and socialization on Anti Money Laundering and Know Your Customer Principles for all employees;
- Monitoring /auditing the application of Anti Money Laundering and Know Your Customer Principles;
- Preparing an organization to be reponsible for applying Anti Money Laundering and Know Your Customer Principles; and
- Preparing an informatin technology system to support the application of Anti Money Laundering and Know Your Customer Principles.
By conducting these activities, PT Bank Panin Tbk is fully committed to support the Government’s program in eliminating money laundering and creating a healthy banking system. Bank Pan Indonesia PNBN
Whistle Blowing
Dear Employees and Customers,
In order to identify any conflict of interest and based on mutual respect principle, PT Bank Panin Bank Tbk (the Bank) expects your supports in achieving its target of becoming a trusted Bank that provides high quality services, risk management and proper resource management, PaninBank is providing a Whistle Blowing System through Email: kasihtau@panin.co.id
Feel free to contact us of any of the following case:
- Fraud;
- Theft;
- Embezzlement of Assets;
- Disclosure of information;
- Banking criminal conducts; or
- Money laundering.
By making such reports, you have assisted the Bank to play an active role in implementing Good Corporate Governance and in maintaining its long term business for the society and environment.
Protection for rapporteurs
When a report is proven correct, the Bank will provide protection for rapporteurs, which covers:
• Assurance that the rapporteur’s identity and report will be kept confidential;
• Protection from any harmful conduct against rapporteur; and
• Protection from any possible threat, intimidation, punishment or improper conduct against rapporteur.
Sanction
Sanction shall be imposed against reported party who, based on the result of an investigation, is proven to have committed a fraud/violation based on applicable regulations.
The Bank shall keep rapporteur’s identity confidential. Any report or information on improper conducts shall be appreciated and the Bank thank you for your cooperation. Bank Pan Indonesia PNBN
