Corporate Profile
Panin Bank Was Established In 1971 And Is One Of The Oldest Commercial Banks In Indonesia. As The Earliest Listed Bank In The Country, Panin Bank Was Listed On The Jakarta Stock Exchange In 1982. Currently, The Bank Is Classified As BUKU IV Bank , Indicating Its Leading Position In Terms Of Asset Size And Market Presence. As Of Q3 2023, Panin Bank Has More Than 500 Branches And More Than 10,000 Employees In Indonesia, Providing Comprehensive Financial Services To Its Broad Customer Base.
Regulatory Information
Panin Bank's Operations Are Regulated By The Indonesian Financial Services Authority ( OJK ). The Bank Holds A Financial Business License Issued By OJK, No.: 10/M.5/HK.03/1996 . As A Regulated Financial Institution Group, Panin Bank Must Comply With OJK's Capital Adequacy Ratio, Risk Management, And Consumer Protection Regulations. In Addition, The Bank Also Ensures That Its Operations Comply With International Financial Standards Through Regular Audits And Compliance Reviews.
Transaction Products
Panin Bank Offers A Variety Of Financial Products For Personal And Business Customers, Covering Savings, Credit, Investment, Trade Finance And Other Fields.
Individual Customers :
- Deposits : Including Savings Accounts, Time Deposits, Foreign Currency Deposits, Etc.
- Loans : Car Purchase Loans, Housing Loans, Personal Consumption Loans, Etc.
- Credit Cards : Provide A Variety Of Credit Line Options To Support Domestic And Foreign Consumption.
- Wealth Management : Includes Investment Products Such As Mutual Funds, Bank Insurance, Bonds, Etc.
Business Customers :
- Deposits : Corporate Demand Deposits, Time Deposits, Etc. Loans : Business Loans, Corporate Loans, Microcredit, Etc.
- Trade Finance : Letters Of Credit, Guarantees, Export Finance, Etc.
- Cash Management : Account Management, Payment Solutions, Etc.
Trading Software
Panin Bank Provides Individual Customers With MobilePanin , A Powerful Mobile Banking Application. The Software Supports IOS And Android Systems And Provides Convenient Trading Functions, Including Transfers, Payments, Investment Management, Account Inquiries, And More. In Addition, MobilePanin Also Integrates Real-time Market Dynamics And Financial News To Help Users Make Informed Financial Decisions.
Deposit And Withdrawal Methods
Customers Can Deposit And Withdraw Items In The Following Ways:
- Branch Services : Deposits And Withdrawals Are Made Directly At Any Branch Of Panin Bank.
- ATM Service : Supports 24-hour Deposit And Withdrawal Using A Widely Distributed ATM Network.
- Electronic Banking : Online Deposit And Withdrawal Operations Through MobilePanin Or Online Banking Platforms.
- International Remittance : Supports Foreign Currency Exchange And International Remittance, Covering Many Countries And Regions Around The World.
Customer Support
Panin Bank Offers Multiple Channels To Meet Customers' Service Needs:
- Phone Support : Get Instant Help Through 24/7 Call Center (Tel: (021) 257 5555 ).
- Online Chat : Visit The Official Website To Get Support Through Online Customer Service.
- Social Media : Interact With Customers Through Instagram, Twitter, Facebook And Other Platforms.
- Face-to-face Service : Travel To The Nearest Branch And Provide One-to-one Service By A Professional Team.
- Frequently Asked Questions (FAQ) : Provide Detailed Self-service Guidelines On The Official Website.
Core Business And Services
Panin Bank's Core Business Focuses On Retail Banking And Commercial Banking. The Bank Has Earned The Trust Of Individual Customers And Enterprises Through Its Strong Product Portfolio And Service Quality. In Addition, Panin Bank Has Actively Promoted Digital Transformation By Developing The Digital Banking Platform To Provide Customers With A Seamless Online Financial Services Experience.
Technology Infrastructure
Panin Bank Has Invested Significant Resources In Technology Infrastructure To Ensure The Security And Efficiency Of The System. The Bank Uses The AIoT Risk Control System To Conduct Real-time Monitoring Of Transactions And Threat And Risk Assessment Through Artificial Intelligence And Internet Of Things Technology. In Addition, Panin Bank Has Established The Disaster Recovery Center To Ensure That Transactions And Services Can Continue In The Event Of An Emergency.
Compliance And Risk Control System
Panin Bank's Compliance And Risk Control System Is Based On OJK's Regulatory Requirements And Is Integrated With International Financial Standards. The Bank's Compliance Department Is Responsible For Ensuring That All Business Activities Comply With Local Laws And Regulations. The Risk Management System Includes Modules Such As Credit Risk, Market Risk, And Operational Risk, Which Achieve Comprehensive Risk Control Through Quantitative Analysis And Qualitative Assessment .
Market Positioning And Competitive Advantage
Panin Bank Has A Prominent Position In Financial Marekt In Indonesia And Is One Of The Top Ten Banks In The Country . Its Competitive Advantage Is Reflected In The Following Aspects:
- Wide Network Of Outlets : Panin Bank's Branch Network Spans The Country To Provide Convenient Services To Customers.
- Digital Transformation : Enhance Customer Experience And Achieve Business Growth Through Digital Banking Platforms.
- Diversified Products : Offer A Wealth Of Products And Services To Meet The Needs Of Different Customers.
- Prudent Business Strategy : Maintain Long-term Stability By Balancing Growth With Risk Management.
Customer Support And Empowerment
Panin Bank Is Committed To Empowering Customers In Their Daily Financial Activities Through Innovative Services And Technologies. For Example, Through The E-banking Platform , Customers Can Easily Complete Operations Such As Transfers, Payments, Investments, Etc. In Addition, Panin Bank Also Provides Financial Advice And Financing Solutions For Small And Medium-sized Enterprises To Help Them Achieve Business Growth.
Social Responsibility And ESG
Panin Bank Is Actively Involved In Social Welfare Projects, Supporting Areas Such As Education, Health And Environmental Protection. For Example, The Bank Works With Local Communities To Carry Out Financial Literacy Education To Help People Improve Their Financial Literacy. On The Environment, Panin Bank Promotes Green Finance And Supports Sustainable Development Projects.
Strategic Cooperation Ecology
Panin Bank Has Established Strategic Partnerships With Several Domestic And Foreign Financial Institution Groups To Jointly Develop Innovative Products And Services. For Example, The Bank Has Partnered With Mastercard To Launch High-end Credit Card Products To Provide Customers With A Better Consumer Experience. In Addition, Panin Bank Has Also Partnered With Technology Companies To Promote The Application Of Blockchain Technology In The Financial Sector.
Financial Health
As Of The Third Quarter Of 2023, Panin Bank's Total Assets Are 140 Trillion IDR And Net Assets Are 15 Trillion IDR . The Bank's Capital Adequacy Ratio ( CAR ) Is 18.5% , Which Is Well Above The Minimum Requirement Of OJK ( 10% ). In Addition, Panin Bank's Loan Growth Rate (YoY) Is 8.3% , Indicating A Healthy Business Development Trend.
Future Roadmap
The Future Development Focus Of Panin Bank Will Focus On The Following Aspects:
- Digital Transformation : Continue To Improve The Digital Banking Platform And Enhance The User Experience.
- Product Innovation : Launch More Financial Products That Meet Customer Needs.
- International Market Expansion : Explore Business Opportunities In ASEAN Countries.
- Risk Management Enhancement : Enhance The Effectiveness Of The Risk Management System Through Technological Innovation.
With The Above Initiatives, Panin Bank Will Continue To Solidify Its Leading Position In Indonesia's Financial Marekt And Provide Solid Support For The Financial Success Of Its Clients.
