Bank DKI

Name & BackgroundBank
DKI (Metropolitan Bank Indonesia) was established in 1961 and is headquartered in Jakarta, Indonesia. As a local commercial bank, Bank DKI is mainly owned by the Indonesian government as a shareholder. Its asset scale and business scope have steadily expanded, and it has a significant position in the Indonesian market. The bank is not publicly traded and relies heavily on government funding and actively promotes social responsibility programs and financial inclusion.

Scope of
ServicesBank DKI has branches in Indonesia, with branches in many major cities and remote areas across the country. The bank has more than 500 offline outlets and thousands of ATMs across the country, especially in densely populated areas such as Java and Bali, which provide convenient banking services to customers. Bank DKI is committed to strengthening local financial service capabilities and becoming an important part of the local economy.

Regulation &
ComplianceBank DKI is regulated by Bank Indonesia, BI and strictly follows the regulatory requirements of the financial industry. The bank has joined the Indonesia Deposit Insurance Program to protect customers' deposits. Recently, Bank DKI has a strong compliance track record and has not been involved in major violations, and continues to advance domestic and international regulatory compliance standards to ensure that its financial activities are transparent and in line with international best practices.

, remains above the high standards of Indonesia's banking sector, indicating that it has a solid capital base and is able to respond effectively to market volatility. The non-performing loan ratio is low, and the bank's loan risk control system is perfect. The liquidity coverage ratio meets regulatory requirements to ensure that it can meet its debt obligations in the short term and ensure the safety of customer funds.

Deposits & LoansBank

DKI offers a variety of deposit products, including demand deposits and time deposits. The fixed deposit interest rate is competitive in the market and meets the needs of the Indonesian market. The bank also offers high-yield savings accounts, which are suitable for customers who want to earn higher returns. In addition, the Large Certificate of Deposit (CD) is also one of its featured products, providing depositors with a fixed term and higher yield options.

LoansBank
DKI offers a wide range of loan products, including housing loans, car loans, and personal credit loans. Mortgage interest rates are relatively low and offer flexible repayment options for homebuyers. The application threshold for car loans and personal lines of credit is moderate and meets the needs of most customers. Banks also offer flexible repayment plans in terms of loan services to help borrowers better manage their finances.

List of

: Bank DKI's fee structure is transparent and reasonable. Account management fees are charged depending on the account type and are usually monthly or annual. The handling fee standard for cross-border transfers is fair, and banks will charge certain fees for common financial operations such as ATM inter-bank withdrawals, overdrafts, etc. It is important to note that Bank DKI requires a minimum balance in the account, and if the requirements are not met, additional administration fees may be incurred.

Digital Service Experience

App and Bank
DKI's mobile app and online banking system both received high user ratings. The core functions of the app include facial recognition technology, real-time transfers, bill management and integrated investment tools to meet customers' needs for convenient and efficient financial services. Bank DKI has also added a variety of payment methods and robo-advisory functions to the app, further improving its digital service level.

Technological InnovationBank
DKI actively promotes technological innovation, especially in the field of artificial intelligence. Its AI customer service and robo-advisory services help customers make financial planning and investment decisions more convenient. In addition, Bank DKI is also promoting open banking APIs, enhancing its platform's ability to collaborate with third-party fintech companies to provide more innovative financial products and services.

Service Quality

Service ChannelBank
DKI offers 24/7 phone support, live chat, and social media response services to ensure that customers can get help at any time. The bank's customer service team was responsive and able to resolve customer issues effectively, improving the overall user experience.

Complaint HandlingBank
DKI excels in complaint handling, with a shorter average resolution time and a complaint rate that remains low in the industry. Through its efficient customer support system, the bank continues to improve customer satisfaction and actively optimizes its service processes to respond to customer feedback.

Multi-language supportSince
Indonesia is a multi-ethnic and multi-lingual country, Bank DKI provides services in both local language (Bahasa Indonesia) and English, especially in the business for international customers, the bank's language support helps to improve the efficiency of cross-border business.

Security MeasuresAs

a state-owned bank in Indonesia, Bank DKI provides customers with deposit insurance protection, and the deposit insurance amount meets regulatory requirements to ensure the safety of customers' deposits to the greatest extent. Banks have also adopted advanced anti-fraud technology to monitor transactions in real-time and protect customers from the risk of fraud.

Data Security
Bank DKI has been ISO 27001 certified, ensuring that its information security management system complies with international standards. The bank conducts regular security audits to prevent data breaches, and always maintains a high level of attention to customer data privacy and strengthens information security protection measures.

Featured Services & Differentiated

Market SegmentsBank
DKI has launched specialized products and services for different customer groups. For the student population, banks offer fee-free accounts to help students reduce costs in their day-to-day financial activities. For elderly customers, banks have launched exclusive wealth management products to help them achieve more stable wealth management. In addition, Bank DKI also focuses on green finance investment, launching investment products that meet environmental, social and governance (ESG) standards, attracting socially responsible investors.

High Net Worth ServicesFor
high net worth clients, Bank DKI provides private banking services, where clients can access customized wealth management solutions, including asset allocation, tax planning, and wealth inheritance services. These services help high-net-worth clients preserve and increase their assets and provide comprehensive financial advice.

Market Position & HonorsIndustry

RankingAs
one of the major regional banks in Indonesia, Bank DKI has been increasing its asset scale and business influence in the domestic market. Although it has not yet entered the top 50 in the global rankings, its role in the local economy and rural financial services cannot be ignored, and it is an important driver of Indonesia's socio-economic development.

AwardsBank
DKI has received several industry awards, especially in the areas of digital transformation and green finance. Its honors such as "Best Local Bank" and "Best Green Financial Product Innovation Award" demonstrate its innovative spirit and market competitiveness in the industry.