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Leading in the Banking Innovation

PermataBank offers reliable, simple, and fast banking products and services


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PermataBank Overview

We are a major Buku 4 Bank and listed in the Indonesia Stock Exchange, that offer banking products and services that help people and companies to succeed, creating wealth and growth through our Retail Banking, SME and Wholesale businesses.

In 2004, Standard Chartered Bank and PT Astra International Tbk took over PermataBank and began a massive transformation process within the organization. Furthermore, as a form of its commitment to PermataBank, the combined ownership of these major shareholders increased to 89.01% in 2006.
 
After a long but smooth process, PermataBank made a new history in May 2020 through an acquisition transaction conducted by Bangkok Bank Public Company Limited ("Bangkok Bank"). Bangkok Bank officially became the controlling shareholder of PermataBank after taking over 89.12% of PermataBank's shares from the total number of shares that have been issued and paid up by Standard Chartered Bank and Astra International.

We offer complete suite of banking products and services including current and savings accounts, time deposits, mutual funds, bonds, personal loans, credit card and mortgage for Retail customers, available in Conventional and Sharia. We also offer working capital loans, dealer finance, join finance, transaction banking, trade finance, foreign exchange, as well as securities and agencies services for our SME and Wholesale business.

PT Bank Permata Tbk obtained the license as the commercial bank under The Decree of Minister of Finance Number 1937/U.M.II dated 19 February 1957.

PermataBank Distribution

We serve more than 4,2 million consumers. Our distribution networks are strategically located throughout the country. As per September 2021, our main physical (offline) services include:

 

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62 291 4 22 4
CITIES BRANCH MOBILE BRANCH  SHARIA PAYMENT POINT VOICE ID CALL CENTER

Digital Banking

Indonesia is the largest digital economy in Southeast Asia with the 3rd largest youth population in the world and 180 million active users of social media. We have been at the forefront of utilizing digital technology for innovation and developing consumer media by providing a very good and consistent customer experience in every delivery of our products and services. It aims to be able to optimally utilize digital opportunities. With great features and world-class design, many of our digital capabilities are number one on the market.

PermataMobile X

PermataMobile X

PermataMobile X is our Retail Banking mobile app with more than 200 features in one app. It is a super app with best-in-class design and performance. It has many of the first-in-the market features - a single customer view that shows all accounts in one place. Peeking which allows customer to view balance quickly without login. Transfer to Mobile making transfer a breeze. Ability to share Receipt quickly on WhatsApp, iMessage, SMS, and e-mail. View 12 months Transaction History for all accounts.

It has PermataStore allowing customers to open accounts, buy/sell Mutual Funds, Bonds, get Credit Card and Loans on-line without visiting our branch.

Other basic features included WhatsApp Gift, transfer, pay bills and top up where we have tied in with thousands of business partners making our services the most comprehensive digital offering in town.

QR Pay

QR Pay

Our QR Pay launched recently in August 2019 is embedded on PermataMobile X and is QRIS (aka QR Code Indonesia Standard) compliance. Our Retail customers will eventually be able to make payment at more than 800,000 QR enabled merchants nationwide.

PermataAPI

PermataAPI

Permata API positions the Bank for success in the new digital economy delivering ease of collaboration with our business partners with great customer experience, creating new revenue streams with a sustainable service model for entering traditionally underserved markets.

We now offered more than 200 APIs to 800 existing partners extending our distribution for opening accounts and time deposits, applying for credit cards, loans, helping their businesses making payment, doing transfer, balance and transaction inquiry, account statement, performing real-time reconciliation and a whole lot more.

PermataNet

PermataNet

We offer Internet Banking to our Retail customers, SME, Commercial and Wholesale Banking clients to them conducting their online banking transactions.

PermataEDC

PermataEDC

The hands-on tool to receive debit and credit card payment. It helps your business operational in the needs of safe and fast payment from customers.

Permatae-Value Chain

Permatae-Value Chain

Our Digital Value Chain platform provides our SME and Wholesale Banking clients with an integrated ecosystem that is fully transparent to their value chain — from the suppliers of raw materials, components, and parts, to the transporters of those supplies and finished goods, and finally to the customers demanding fulfillment. Our platform provides working capital loans and invoice financing helping our clients buying raw materials, manufacturing, and fulfilling their customers’ demands.

Call Center with Voice ID

Call Center with Voice ID

Our Call Center uses Voice ID biometric technology simplifying authentication and improving customer experience. Our digitization agenda goes beyond the veneer and channel. Our ecosystem and infrastructure are highly digitized delivering our brand promise — simple, fast and reliable. 

PermataATM

PermataATM

We have more than 1,000 ATMs and 15,000 EDCs nationwide.

Vision & Mission

Vision

To be the bank of choice, nurturing relationships and creating value for our stakeholders

Mission

Serving as an efficient financial institution and agent of development for our customers and the people.

Offering universal financial services in a simple, fast, reliable and innovative way.

Providing excellent stakeholders experience and positive value to its shareholders.

PermataBank's Achievements

As a pioneer in mobile banking and mobile cash technology in the Indonesian market, PermataBank is again leading innovation through the launch of the first E-Bond product and is the first bank to introduce Touch ID and Face ID through its mobile banking application. In 2018, PermataBank launched PermataMobile X application with 200 latest reliable features.

Not only that, here are PermataBank's achievements from year to year:

2021

2020

2019

2018

2017

2016

2015

2012

2008

2021

  • PermataBank has officially become a BUKU IV Bank on 20 January 2021.
  • PermataBank received 2021 Top Digital Company Award (TDCA 2021) from Marketing Magazine in collaboration with Survey One and Frontier Technology.
  • PermataBank received the 4th The Best Indonesia Enterprises Risk Management (IERM) Award IV-2021 awarded by Economic Review in category Bank BUKU IV – Public Company.

2020

  • The acquisition of 89.12% PermataBank shares by Bangkok Bank from AI and SCB.
  • The integration of Bangkok Bank Public Company Limited, Jakarta branch, sub-branch Medan and sub-branch Surabaya to PermataBank where PermataBank is the receiving bank in the integration.
  • PermataBank qualified as one of the Top 10 Indonesian Listed Companies in the ASEAN Asset Class based on ASEAN Corporate Governance Scorecard (ACGS)’ assessment.

2019

  • PermataBank inaugurated the first Model Branch in Indonesia at the Astra Tower, Jakarta.
  • PermataBank became the first bank to launch a digital banking application for Sharia Banking, PermataMobile X Syariah.
  • PermataBank launches QR Pay feature on PermataMobile X.
  • PermataBank launches online apply for credit cards and personal loans through PermataMobile X.
  • PermataBank and AirAsia are working together to launch cards for travelers, the AirAsia Platinum Credit Card and the AirAsia Debit Card.
  • Rank I for the OVERALL-ENGAGEMENT INDEX 2019 category (Conventional Commercial Bank or Book Bank 3) on the 2019 Satisfaction Loyalty & Engagement (SLE) Award based on a survey of Infobank and Marketing Research Indonesia (MRI).
  • Rank I and II Digital Brand Awards 2019 for the category of Credit Cards, Debit Cards, and PermataBank Sharia Business Units by InfoBank magazine.
  • Contact Center Service Excellence Award 2019 Award to PermataTel in 10 categories by Service Excellence magazine.
  • Various service excellence ratings in the category of Commercial Banks and Sharia Business Unit Banks, in the Banking Service Excellence Award by InfoBank magazine in collaboration with Market Research Indonesia (MRI).

2018

  • PermataBank became one of the first Bank that launched PermataAPI for API Banking.
  • PermataBank launched PermataMobile X with 200 updated and modern features.
  • CSR appreciation for Education by Sindo Media.
  • 5 Gold and 1 Silver Award (Gold Award for Best Event Press or Media, Best Event Consumer, Best Event Digital Integration, Best Event Ambience, Best Event Product Launch or Relaunch, Silver Award for Best Event Multi Channel categories) in Marketing Event Awards for PermataME.
  • Awarded for Karya Lagu Terbaik and Karya Produksi Elektronik Terbaik in AMI Awards 2018 for the song, MoneyHoney, in collaboration of PermataME with Dipha Barus and Monica Karina.
  • Awarded in Asian Banker Indonesia Country Awards 2018 by The Asian Banker for categories: The Best Frictionless Internet Banking Initiative, Application or Programme: Permatae-Wealth.
  • PermataME #CountMEin Marketing Campaign won awards in The Marketing Events Awards 2018 by Marketing Magazine Singapore:
    - Best Event Press or Media, Best Event Consumer.
    - Best Event Digital Integration.
    - Best Event Ambience.
    - Best Event Product Launch or Relaunch.

2017

  • Excellent Service Experience Service (ESEA) by Carre-Center for Customer Satisfaction and Loyalty (CCSL) and Service Excellence Magazine 2017.
  • Contact Center Service Excellence Award 2017 by Carre-Center for Customer Satisfaction and Loyalty (CCSL) and Service Excellence Magazine.
  • Straight-Thru Processing Award by Standard Chartered Bank.
  • Best Role of Stakeholders and Top 50 of the Biggest Market Capitalization Public Listed Companies in the 9th IICD Corporate Governance Conference and Award.
  • Service Star Award in The 13th National Customer Service Championship Award.
  • Service Excellence Award 2017 by Marketing Research Indonesia and Majalah Infobank in Commercial Banks category (#2 Best Overall Performance, Top 1 Call Center, #1 Best Customer Service, #1 Best Overall (Walk-In Channel), #2 Best E-Channel Performance, #3 Best ATM Public Area).
  • Service Excellence Award 2017 by Marketing Research Indonesia and Majalah Inforbank in Sharia Banks category (#1 Best Overall Performance, Golden Trophy Award as the Best Bank, #1 Best Customer Service, #1 Best Teller).
  • 2017 Stevie Award (Gold Winner - Innovation in the Use of Viral Media or World of Mouth PermataTabungan Bebas #SayangUangnya, Silver Winner - The Best Private Inhouse Magazine (InMA) PermataMagazine, Bronze Winner - Innovation in the Use of Celebrities and Public Figure PermataTabungan Bebas #SayangUangnya, Bronze Winner - Innovation in the Use of Events Wealth Wisdom The Essence of Wealth).
  • The Most Innovative Content through Line account #BicaraUang in Line Official Account Awards 2017.
  • Smarties Award by Mobile Marketing Association for PermataTabungan Bebas #SayangUangnya Campaign.

2016

  • Excellent Service Experience Service (ESEA) by Carre-Center for Customer Satisfaction and Loyalty (CCSL) and Service Excellence Magazine 2016.
  • Top Tabungan 2016 (Buku III) in Top Bank 2016 by Indonesia's Business News.
  • Best Business Model Execution in The Asian Banker Indonesia Country Awards 2016 by The Asian Banker.
  • Trusted Company in Corporate Governance Perception Index (CGPI) 2016 by The Indonesian Institute for Corporate Governance (ILGC).
  • Banking Service Excellence Monitoring Award 2016 by Marketing Research Indonesia and Majalah Infobank in Comercial Banks category (#3 Best Overall Performance, #1 Best Call Center, #2 Best E Channel Performance, #2 Best Phone Banking, #2 Best Internet Banking, #2 Best SMS Banking, #3 Best Teller, #3 Best ATM Public Area).
  • Banking Service Excellence Monitoring Award 2016 by Marketing Research Indonesia and Majalah Infobank in Sharia Banks (#1 Best ATM, #1 Best Overall Performance, #1 Best Teller, #1 Best Customer Service).
  • The Best Role of Stake Holders dan Top 50 Perusahaan Terbuka Berdasarkan ASEAN CG Scorecard in The 8th IICD Corporate Governance Conference and Award by Indonesian Institute for Corporate Directorship (IICD).
  • 3rd Contributor: Bank Umum Nasional in Banking Award 2016 by Telkomsel.
  • Best Overall Domestic Provider of FX Services in Indonesia as voted by Financial Institutions dan Best Domestic Provider for FX Products dan Services in Indonesia as voted by Corporates di AsiaMoney Awards oleh AsiaMoney.

2015

  • First Personal Loan Products with Liquid Funds in One Day from PermataKTASpeed ​​from Business Records (ReBi).
  • Relaunched the new PermataBintang character and accompanied by 4D augmented reality technology.

2012

  • The first bank to provide account opening services at branches via a tablet computer online with Permatae-Form by MURI (Indonesian Record Museum).

2008

  • PermataKPR Bijak received an award for the First Implementation of KPR Facility Synergy with a Savings Account from MURI (Indonesian Record Museum).

PermataBank's Values

The core values of PermataBank's services are to be the bank of choice for customers.

Integrity

Integrity

We uphold trustworthiness and work in accordance with the company's code of ethics and prudent principles.
Partnership

Partnership

We understand each other and build strong relationships based on mutual respect internally and externally.
Responsiveness

Responsiveness

We work quickly, accurately and effectively to deliver prompt services.
Innovation

Innovation

We continuously think out of the box to improve the way we work, making it simpler, better and faster.
Caring

Caring

We are attentive and respect our customers, colleagues, communities, investors, and regulators.
Excellence

Excellence

We deliver service excellence to our customers and drive optimal performance in our day to day job.

Supporting Capital Market Profession

Public Accountant

Kantor Akuntan Publik Tanudiredja,
Wibisana, Rintis & Rekan

Plaza 89
Jalan H.R. Rasuna Said Kav. X-7 No. 6
Jakarta 12940

+62-21-5212-901

www.pwc.com/id

Trustee

PT Bank CIMB Niaga, Tbk.

Graha Niaga 7th Floor
Jalan Jend. Sudirman Kav. 58
Jakarta 12190

+62-21-3006-4200

Share Registrar

PT Raya Saham Registra

Gedung Plaza Sentral 2nd Floor
Jalan Jend. Sudirman Kav. 47-48
Jakarta 12930

+62-21-2525-666

Rating Agency

PT Pemeringkat Efek Indonesia (Pefindo)

Panin Tower Senayan City 17th Floor
Jalan Asia Afrika Lot 19
Jakarta 10270

+62-21-7278-2380

www.pefindo.com

Custodian

PT Kustodian Sentral Efek Indonesia

Gedung Bursa Efek Indonesia I 5th Floor
Jalan Jend. Sudirman Kav. 52-53
Jakarta 12190

+62-21-5299-1099

www.ksei.co.id

Notary

Notaris AuliaTaufani, S.H.

Menara Sudirman 17D Floor
Jalan Jend. Sudirman Kav. 60
Jakarta 12190

+62-21-5289-2366

Legal Consultant

Nasoetion & Atyanto

Equity Tower 26th Floor
Jalan Jend. Sudirman Kav. 52-53
Jakarta 12190

+62-21-5140-0311 / 5140-0312

Articles of Association

Everything you want to know about our legal entity

Shareholders & Group

Shareholders Structure
Group Structure

Organization Structure

Our Organization Structure

Sharia Supervisory Board, Committees & Corporate Secretary

Sharia Supervisory Board

Muhamad Faiz

An Indonesian citizen, age 46 years old.

In 1997, he obtained his degree from Sharia Faculty of the Islamic University, Medina, Saudi Arabia.

Chairman of Sharia Supervisory Board, Unit Usaha Syariah PT. Bank Permata, Tbk since 2014 based on Annual RUPS decision, dated 23 April 2014. Earlier, he is a member of Sharia Supervisory Board, Unit Usaha Syariah PT. Bank Permata, Tbk since 29 August 2009 which had been approved by Bank Indonesia at 21 November 2008

Besides being a Chairman of DPS UUS PermataBank, he also serves as Chairman of Sharia Supervisory Board PT Indomobil Multi Finance Sharia, as well as Member of Sharia Supervisory Board of PT Bank Tabungan Pensiunan Nasional (BTPN) Sharia.

He is also a Deputy Secretary Commission Indonesia Ulema (“MUI”) Central, Banking Working Group Member of Sharia National Board and a Vice Chairman of Lembaga Bahtsul Masail PBNU.

He was a leader of Pondok Daarul Rahman. He has extensive experience in various religious and social organizations, including Ikatan Cendekiawan Muslim Indonesia (“ICMI”) and Nadhlatul Ulama (“NU”). He also actively serves as a speaker as well as moderator in various seminars and training programs.

During 2019, he has participated in competence enhancement trainings:

  1. Pra-Ijtima’ Sanawi held by DSN-MUI; and
  2. Ijtima’ Sanawi held by DSN-MUI.

He does not have any affiliations with fellow members of the Board of Commissioners, or members of the Board of Directors, nor with the main shareholder.

Position
Chairman
Photo
Position Group
Dewan Pengawas Syariah
,

Jaih Mubarak

An Indonesian citizen, aged 53 years old.

He earned a Doctorate Degree (S3) in Islamic Study from Post Graduate Program of the Syarif Hidayatullah UIN, Jakarta.

He is a member of Sharia Supervisory Board – Sharia Business Unit of PermataBank since 2014, based on AGMS dated 23 April 2014 and has obtained approval from OJK based on a letter dated 28 August 2014.

Besides being a member of DPS UUS PermataBank, he also serves as the Chairman of DPS Bank Jabar Syariah, Chairman of DPS Al-Amin Insurance and PT Maybank Asset Management.

He is a Professor at the Faculty of Sharia and Law UIN Sunan Gunung Djati, Bandung as well as a lecturer at the Bandung Institute of Qur’anic Studies, Jakarta. In addition, he is a Vice Chairman of the Executive Agency Daily / BPH National Sharia Board of the Indonesian Ulema Council (“DSN-MUI”). He has extensive experience in various religious and social organizations.

During 2019, he has participated in competence enhancement trainings:

  1. Pra-Ijtima’ Sanawi held by DSN-MUI; and
  2. Ijtima’ Sanawi held by DSN-MUI.

He does not have any affiliations with fellow members of the Board of Commissioners, or members of the Board of Directors, nor with the main shareholder.

Position
Member
Photo
Position Group
Dewan Pengawas Syariah
Audit Committee

Haryanto Sahari

Indonesian Citizen 64 years old, resides in Jakarta.

Educational Background

He holds a Bachelor of Economics degree majoring in Accounting from the University of Indonesia in 1982.

Professional affiliations:

  • Member of Indonesian Institute of Accountant (IAI) – Chartered Accountant (CA).
  • Member of Indonesia Public Accountant Association (IAPI) – Certified Public Accountant (CPA).

Professional Background

Legal Basis & Tenure

Appointed as Independent Commissioner of PermataBank by Extraordinary GMS of PermataBank on 26 September 2017, and effective on 8 November 2017.

He was reappointed at the Annual GMS on 14 April 2020.

Multiple Board Membership

Also serves as chairman of Audit Committee, chairman of Risk Monitoring Committee, member of Remuneration and Nomination Committee and member of Integrated Governance Committee at PermataBank.

Currently he also holds several roles, as:

  • Member of Audit Committee at the University of Indonesia since November 2016;
  • Member of Audit Committee at PT Unilever Tbk since October 2016;
  • Member of Audit Committee at PT Medikaloka Hermina Tbk since November 2017;
  • Independent Commissioner and Chairman of Audit Committee at PT Cardig Aero Services Tbk since October 2019; and
  • Member of Audit Committee at PT Angkasa Jasa Semesata Tbk since January 2020.

Professional Experience

Formerly, Mr. Haryanto was a President Commissioner in several companies such as PT Batanghari Sawit Sejahtera, PT Kaswari Unggul, PT Flora Wahana Tirta, PT Ekajaya Multiperkasa, PT Aditarwan, PT Arta Prigel, PT Perkebunan Inti Sawit Subur, and PT Bukit Barisan Indah Prima, since September 2011 to October 2019.

Other previous important positions held by Mr. Haryanto as follows:

  • Commissioner of PT Kikim Resources from October 2012 to June 2017;
  • Commissioner of PT Agri Capital Resources from May 2010 to July 2016;
  • Commissioner of PT Tempirai Palm Resources from June 2009 to July 2016;
  • Commissioner of PT Rambang Agro Jaya from August 2008 to July 2016;
  • Assistant Manager at Arthur Young (Public Accounting Firm Santoso Harsokusumo Indonesia) since 1980 to 1984.
  • Senior Auditor in PwC Australia in 1987;
  • Partner at PricewaterhouseCoopers (PwC) Indonesia from 1990 to June 2017; and
  • Country Senior Partner at PricewaterhouseCoopers (PWC) Indonesia since 1996 to 2006.
Position
Independent Commissioner
Photo
Position Group
Board of Commisioners
Position (Secondary)
Chairman (Independent)
Position (3rd)
Chairman
Position (4th)
Member
,

Rahmat Waluyanto

Indonesian Citizen, 64 years old, resides in Jakarta.

Educational Background

He holds a Bachelor of Economy degree from University of Gadjah Mada in 1983, a Master of Business Administration degree from University of Denver in 1992, and a Doctor of Philosophy (PhD) degree from University of Birmingham in 1997.

Professional Background

Legal Basis & Tenure

Appointed as Independent Commissioner of PermataBank by Annual GMS of PermataBank on 24 April 2018, and effective on 11 July 2018.

He was reappointed at the Annual GMS on 14 April 2020.

Multiple Board Membership

Also serves as chairman of Remuneration and Nomination Committee, member of Audit Committee, member of Risk Monitoring Committee, and chairman of Integrated Governance Committee at PermataBank.

Currently, he also serves as President Commissioner of one of Self-Regulatory Organization in Capital Market (Indonesia Central Securities Depository) and appointed as Independent Commissioner of PT Astra International Tbk since 16 June 2020.

Professional Experience

Previously, he has held several important positions as follows:

  • Vice Chairman of Otoritas Jasa Keuangan Commissioners Board from September 2012 until July 2017, who responsible as Ethic Committee Chairman, HR, Logistic, Finance, OJK Institute, Organization, and IT;
  • Director General at Directorate General of Debt Management Ministry of Finance from November 2006 until June 2012;
  • Director at Directorate of Government Debt Securities Management Ministry of Finance from July 2004 until October 2006;
  • Chairman of Sub Directorate Portfolio and Risk at Central Bond Management of Ministry of Finance from March 2001 until June 2004; and
  • Chairman of Sub Directorate Accounting and Appraisal at Directorate of Accounting Development and Appraisal of the Ministry of Finance from February 2000 until February 2001.
Position
Independent Commissioner
Photo
Position Group
Board of Commisioners
Position (Secondary)
Member (Independent)
Position (3rd)
Member
Position (4th)
Chairman
,

Handy Effendy Halim

Indonesian citizen. He does not have any affiliations with members of the Board of Commissioners, or members of the Board of Directors, nor with the main shareholders.He is currently also a Member of the Audit Committee of PT Bintraco Dharma Tbk (November 2016 - present).

He has over 33 years in several Astra Group companies in IT, Audit and RIsk Management as well as Investment and Finance. 

Has served as:

  • Chief Pension Fund Astra (2013-2016).
  • Chief Group Internal Audit and Risk Management at PT Astra International Tbk (2008-2012).

He graduated from Institut Teknologi Bandung with a Degree in Industrial Engineering in 1983 and Master of Management at Bina Nusantara Business School in 2007.

Position
Member (Independent)
Photo
,

Mieke S. Djalil

Indonesian citizen. She does not have any affiliation with members of the Board of Commissioners, members of the Board of Directors, nor with the main shareholders.

She has over 35 years of experience in consulting field, particularly in business process improvement, program/project Management, IT business solutions and digitalization implemetation.

She has extensive careers as follows:

  • Transformation Advisor – PT Indosat Tbk (2013 – 2019)
  • Partner –Ernst & Young – Performance Improvement, Advisory Services (2010 – 2013)
  • Project Controller – SAP Implementation n for PT Krakatau Steel (2009 – 2010)
  • Director Services – PT Sigma Cipta Caraka (2007 – 2009)
  • Country Leader –- Business Consulting Services PT IBM Indonesia (2004 - 2006)
  • ASEAN/SA ORACLE ISV Leader – IBM BCS ASEAN S.A. (2004 – 2006)
  • Partner- PricewaterhouseCoopers Consulting Indonesia/IBM Business (1997-2004)

She finished her study in American University, Washington DC, and obtained her BSC degree in Business Administration in 1980.

Position
Member (Independent)
Photo
Audit Committee Charter
Risk Monitoring Committee

Haryanto Sahari

Indonesian Citizen 64 years old, resides in Jakarta.

Educational Background

He holds a Bachelor of Economics degree majoring in Accounting from the University of Indonesia in 1982.

Professional affiliations:

  • Member of Indonesian Institute of Accountant (IAI) – Chartered Accountant (CA).
  • Member of Indonesia Public Accountant Association (IAPI) – Certified Public Accountant (CPA).

Professional Background

Legal Basis & Tenure

Appointed as Independent Commissioner of PermataBank by Extraordinary GMS of PermataBank on 26 September 2017, and effective on 8 November 2017.

He was reappointed at the Annual GMS on 14 April 2020.

Multiple Board Membership

Also serves as chairman of Audit Committee, chairman of Risk Monitoring Committee, member of Remuneration and Nomination Committee and member of Integrated Governance Committee at PermataBank.

Currently he also holds several roles, as:

  • Member of Audit Committee at the University of Indonesia since November 2016;
  • Member of Audit Committee at PT Unilever Tbk since October 2016;
  • Member of Audit Committee at PT Medikaloka Hermina Tbk since November 2017;
  • Independent Commissioner and Chairman of Audit Committee at PT Cardig Aero Services Tbk since October 2019; and
  • Member of Audit Committee at PT Angkasa Jasa Semesata Tbk since January 2020.

Professional Experience

Formerly, Mr. Haryanto was a President Commissioner in several companies such as PT Batanghari Sawit Sejahtera, PT Kaswari Unggul, PT Flora Wahana Tirta, PT Ekajaya Multiperkasa, PT Aditarwan, PT Arta Prigel, PT Perkebunan Inti Sawit Subur, and PT Bukit Barisan Indah Prima, since September 2011 to October 2019.

Other previous important positions held by Mr. Haryanto as follows:

  • Commissioner of PT Kikim Resources from October 2012 to June 2017;
  • Commissioner of PT Agri Capital Resources from May 2010 to July 2016;
  • Commissioner of PT Tempirai Palm Resources from June 2009 to July 2016;
  • Commissioner of PT Rambang Agro Jaya from August 2008 to July 2016;
  • Assistant Manager at Arthur Young (Public Accounting Firm Santoso Harsokusumo Indonesia) since 1980 to 1984.
  • Senior Auditor in PwC Australia in 1987;
  • Partner at PricewaterhouseCoopers (PwC) Indonesia from 1990 to June 2017; and
  • Country Senior Partner at PricewaterhouseCoopers (PWC) Indonesia since 1996 to 2006.
Position
Independent Commissioner
Photo
Position Group
Board of Commisioners
Position (Secondary)
Chairman (Independent)
Position (3rd)
Chairman
Position (4th)
Member
,

Rahmat Waluyanto

Indonesian Citizen, 64 years old, resides in Jakarta.

Educational Background

He holds a Bachelor of Economy degree from University of Gadjah Mada in 1983, a Master of Business Administration degree from University of Denver in 1992, and a Doctor of Philosophy (PhD) degree from University of Birmingham in 1997.

Professional Background

Legal Basis & Tenure

Appointed as Independent Commissioner of PermataBank by Annual GMS of PermataBank on 24 April 2018, and effective on 11 July 2018.

He was reappointed at the Annual GMS on 14 April 2020.

Multiple Board Membership

Also serves as chairman of Remuneration and Nomination Committee, member of Audit Committee, member of Risk Monitoring Committee, and chairman of Integrated Governance Committee at PermataBank.

Currently, he also serves as President Commissioner of one of Self-Regulatory Organization in Capital Market (Indonesia Central Securities Depository) and appointed as Independent Commissioner of PT Astra International Tbk since 16 June 2020.

Professional Experience

Previously, he has held several important positions as follows:

  • Vice Chairman of Otoritas Jasa Keuangan Commissioners Board from September 2012 until July 2017, who responsible as Ethic Committee Chairman, HR, Logistic, Finance, OJK Institute, Organization, and IT;
  • Director General at Directorate General of Debt Management Ministry of Finance from November 2006 until June 2012;
  • Director at Directorate of Government Debt Securities Management Ministry of Finance from July 2004 until October 2006;
  • Chairman of Sub Directorate Portfolio and Risk at Central Bond Management of Ministry of Finance from March 2001 until June 2004; and
  • Chairman of Sub Directorate Accounting and Appraisal at Directorate of Accounting Development and Appraisal of the Ministry of Finance from February 2000 until February 2001.
Position
Independent Commissioner
Photo
Position Group
Board of Commisioners
Position (Secondary)
Member (Independent)
Position (3rd)
Member
Position (4th)
Chairman
,

Goei Siauw Hong

Indonesian Citizen 56 years old, resides in Jakarta.

Educational Background

He holds Master of Business Administration (MBA) degree majoring in Business/Finance and Marketing from Indiana University, Bloomington, Amerika Serikat in 1993 and Engineering degree majoring in Agronomy from Institut Pertanian Bogor in 1988. He also holds CFA (Chartered Financial Analyst) from CFA Institute and also FRM (Financial Risk Manager) from GARP (Global Association of Risk Professionals).

Professional Background

Legal Basis & Tenure

Appointed as Independent Commissioner of PermataBank by Extraordinary GMS of PermataBank on 14 April 2020, and effective on 20 May 2020.

Multiple Board Membership

Also serves as member of Risk Monitoring Committee at PermataBank.

Currently he also serves as President Director at PT Gagas Prima Solusi since 2001.

Professional Experience

He has various experiences in risk management and finance, also has held several leadership roles in companies, as follows:

  • Independent Commissioner of PT Bank Mandiri Tbk (Persero) (2015-2019);
  • Member of Risk Monitoring Committee in PT Bank Permata Tbk (2006- 2010);
  • Head of Research in Nomura Indonesia (1999-2001);
  • Vice President, Research in Nomura Singapore (1998-1999);
  • Head of Research in SocGen Crosby (1996-1998);
  • Senior Analyst, Deputy Head of Research, & Head of Research in CLSA Indonesia (1995-1996);
  • Equity Analyst & Senior Equity Analyst in WI Carr Indonesia (1993-1995); and
  • Systems Analyst in Astra Graphia (1988-1991).
Position
Independent Commissioner
Photo
Position Group
Board of Commisioners
Position (Secondary)
Member
,

Niramarn Laisathit

Thai Citizen, 53 years old, resides in Thailand.

Educational Background

She holds Master of Business Administration degree in Finance from Saint Louis University, USA in 1992 and Bachelor of Engineering degree in Industrial Engineering from Chulalongkorn University, Thailand in 1989.

Professional Background

Legal Basis & Tenure

Appointed as Commissioner of PermataBank by Extraordinary GMS of PermataBank on 23 April 2020, and effective on 20 May 2020.

Multiple Board Membership

Currently, she serves as member of Risk Monitoring Committee of PermataBank. She also serves as:

  • Director, RATCH Group Public Company Limited (since 2020);
  • Director, Electricity Generating Authority of Thailand (since 2019);
  • Senior Executive Vice President in charge of Corporate Banking of Bangkok Bank Public Company Limited (since 2019); and
  • Director, Bangkok Bank (China) Company Limited (since 2009);

Professional Experience

She has extensive experiences in banking and several management positions in several companies, as follows:

  • Executive Vice President, in charge of Light Industry, Energy, Conglomerate 3, Trading and Manager of Energy, Corporate Banking, Bangkok Bank Public Company Limited (2016-2019);
  • Executive Vice President, in charge of Light Industry, Energy, Conglomerate 3, Multinational 1 and Manager of Energy, Corporate Banking, Bangkok Bank Public Company Limited (2015-2016);
  • Executive Vice President, in charge of Light Industry, Energy, Service Industry and Manager of Energy, Metropolitan Corporate Banking, Bangkok Bank Public Company Limited (2013-2015);
  • Executive Vice President, in charge of Light Industry, Energy, Service Industry, Textile and Garment and Manager of Energy, Metropolitan Corporate Banking, Bangkok Bank Public Company Limited (2012-2013);
  • Executive Vice President, in charge of Light Industry, Energy, Service Industry, Textile and Garment and Manager of Energy, Metropolitan Corporate Banking and Manager of Project Department, Investment Banking Group, Bangkok Bank Public Company Limited (2010-2012);
  • Executive Vice President, Manager of Risk Management and Project Department, Investment Banking Group, Bangkok Bank Public Company Limited (2008-2010);
  • Executive Vice President, Manager of Energy, Metropolitan Corporate Banking and in charge of Project Department, Investment Banking Group ,Bangkok Bank Public Company Limited (2007-2008);
  • Senior Vice President, Project Finance Division, Bangkok Bank Public Company Limited (2004-2007);
  • Vice President, Corporate Finance Department, Bangkok Bank Public Company Limited (1999-2004);
  • Assistant Vice President, Senior Marketing Officer, Corporate Finance Department, Bangkok Bank Public Company Limited (1996-1999);
  • Marketing Officer, Corporate Finance Department, Bangkok Bank Public Company Limited (1992-1996); and
  • Management Trainee, Gateaux House Company Limited (1989).
Position
Commissioner
Photo
Position Group
Board of Commisioners
Position (Secondary)
Member
,

Chong Toh

Malaysian Citizen, 52 years old, resides in Thailand.

Educational Background

He holds a Master of Science in Management from Massachusetts Institute of Technology in 1998 and a Bachelor of Arts degree in Philosophy, Politics and Economics from Oxford University in 1991.

Professional Background

Legal Basis & Tenure

Appointed as Commissioner of PermataBank by Extraordinary GMS of PermataBank on 23 April 2020, and effective on 26 May 2020.

Multiple Board Membership

Currently, he also serves as member of Risk Monitoring Committee and member of Remuneration and Nomination Committee at PermataBank.

He also serves as:

  • Senior Executive Vice President, Bangkok Bank Public Company Limited (since 2011);
  • Senior Advisor, Morgan Stanley Thailand (since 2017);
  • Director, Bangkok Bank (China) Company Limited (since 2009);
  • Executive Chairman, Bualuang Securities Public Company Limited (since 2005);
  • Chairman, Bangkok Capital Asset Management Company Limited (since 2015);
  • Chairman, Asia Cement Public Company Limited (since 2011);
  • Director, Bumrungrad Hospital Public Company Limited (since 2001); and
  • Independent Director, Asia Landmark Fund Limited (since 2009).

Professional Experience

He has extensive experiences in banking and several management positions in several companies, as follows:

  • Executive Vice President, Bangkok Bank Public Company Limited (2006- 2011);
  • President, Bualuang Securities Public Company Limited (2002-2005);
  • President, Bualuang Finance Company Limited (2000-2001);
  • Vice President, Bangkok Bank Public Company Limited (1998-1999);
  • Analyst, Investment Banking Morgan Stanley (1993-1996); and
  • Economist, Government of Singapore Investment Corporation (GIC) (1991- 1993).
Position
Commissioner
Photo
Position Group
Board of Commisioners
Position (Secondary)
Member
,

Darminto

Indonesia citizen. He does not have any affiliations with members of the Board of Commissioners, or members of the Board of Directors, nor with the main shareholders.Currently he is Senior Lecturer at Faculty of Economics and Business, University of Indonesia.

Previously, he held several important positions as:

  • Independent Party of Audit Committee at PT Bank CIMB Niaga Tbk (2014-2016).
  • Independent Party of Audit Committee at PT Indonesia Infrastructure Finance (IIF) (2012-2014).
  • Independent Party of Audit Committee at PT Bank Negara Indonesia (Persero) Tbk (2008-2013).
  • Independent Party of Audit Committee at PT Garuda Indonesia (Persero) (1999-2003).
  • Director at  Delloite Touche Tohmatsu (1999-2002).
  • Director at  PT Kasnic Duff & Phelps Credit Rating Indonesia (1997-1999).
  • Finance Director at  PT Yusung-Mayer Textile (1991-1993).
  • Various important positions at several companies and several universities.

He is currently member of Indonesian Economic Graduates Association (ISEI) and member of the Indonesian Accountants Association (IAI).

He earned Bachelor degree from Faculty of Economics, University of Indonesia, MBA Degree from State University of New York, and Doctor degree from University of Indonesia.

Position
The Independent
Photo
Position (Secondary)
Member (The Independent)
,

Taufik Hakim

Indonesia citizen. He does not have any affiliations with members of the Board of Commissioners, or members of the Board of Directors, nor with the main shareholders.Currently, he is Senior Partner at PT Inovasi Finansial Indonesia (INOFIN).

Previously, he held several important positions as:

  • Risk Management and Compliance Director at PT Bank Banten Indonesia Tbk (June 2013 - April 2017).
  • Standardization Director atLembaga Sertifikasi Profesi Perbankan (LSPP) (September 2012 - June 2013).
  • Member of the Audit Committee and Risk Monitoring Committee at PT Bank Pundi Indonesia Tbk (January 2011 - June 2013).
  • Various important positions at Bank BTPN as Senior Advisor, Risk Management Director, Compliance and Risk Management Director, and Finance Director (March 2005 - October 2010).
  • Various important positions at Badan Penyehatan Perbankan Nasional (BPPN or IBRA) and PT Perusahaan Pengelola Aset or PT PPA (Persero).

He earned Bachelor degree from Bogor Agricultural University in 1989 and currently Master degree candidate from Trisakti University.

Position
The Independent
Photo
Position (Secondary)
Member (The Independent)
Nomination & Remuneration Committee

Rahmat Waluyanto

Indonesian Citizen, 64 years old, resides in Jakarta.

Educational Background

He holds a Bachelor of Economy degree from University of Gadjah Mada in 1983, a Master of Business Administration degree from University of Denver in 1992, and a Doctor of Philosophy (PhD) degree from University of Birmingham in 1997.

Professional Background

Legal Basis & Tenure

Appointed as Independent Commissioner of PermataBank by Annual GMS of PermataBank on 24 April 2018, and effective on 11 July 2018.

He was reappointed at the Annual GMS on 14 April 2020.

Multiple Board Membership

Also serves as chairman of Remuneration and Nomination Committee, member of Audit Committee, member of Risk Monitoring Committee, and chairman of Integrated Governance Committee at PermataBank.

Currently, he also serves as President Commissioner of one of Self-Regulatory Organization in Capital Market (Indonesia Central Securities Depository) and appointed as Independent Commissioner of PT Astra International Tbk since 16 June 2020.

Professional Experience

Previously, he has held several important positions as follows:

  • Vice Chairman of Otoritas Jasa Keuangan Commissioners Board from September 2012 until July 2017, who responsible as Ethic Committee Chairman, HR, Logistic, Finance, OJK Institute, Organization, and IT;
  • Director General at Directorate General of Debt Management Ministry of Finance from November 2006 until June 2012;
  • Director at Directorate of Government Debt Securities Management Ministry of Finance from July 2004 until October 2006;
  • Chairman of Sub Directorate Portfolio and Risk at Central Bond Management of Ministry of Finance from March 2001 until June 2004; and
  • Chairman of Sub Directorate Accounting and Appraisal at Directorate of Accounting Development and Appraisal of the Ministry of Finance from February 2000 until February 2001.
Position
Independent Commissioner
Photo
Position Group
Board of Commisioners
Position (Secondary)
Member (Independent)
Position (3rd)
Member
Position (4th)
Chairman
,

Chong Toh

Malaysian Citizen, 52 years old, resides in Thailand.

Educational Background

He holds a Master of Science in Management from Massachusetts Institute of Technology in 1998 and a Bachelor of Arts degree in Philosophy, Politics and Economics from Oxford University in 1991.

Professional Background

Legal Basis & Tenure

Appointed as Commissioner of PermataBank by Extraordinary GMS of PermataBank on 23 April 2020, and effective on 26 May 2020.

Multiple Board Membership

Currently, he also serves as member of Risk Monitoring Committee and member of Remuneration and Nomination Committee at PermataBank.

He also serves as:

  • Senior Executive Vice President, Bangkok Bank Public Company Limited (since 2011);
  • Senior Advisor, Morgan Stanley Thailand (since 2017);
  • Director, Bangkok Bank (China) Company Limited (since 2009);
  • Executive Chairman, Bualuang Securities Public Company Limited (since 2005);
  • Chairman, Bangkok Capital Asset Management Company Limited (since 2015);
  • Chairman, Asia Cement Public Company Limited (since 2011);
  • Director, Bumrungrad Hospital Public Company Limited (since 2001); and
  • Independent Director, Asia Landmark Fund Limited (since 2009).

Professional Experience

He has extensive experiences in banking and several management positions in several companies, as follows:

  • Executive Vice President, Bangkok Bank Public Company Limited (2006- 2011);
  • President, Bualuang Securities Public Company Limited (2002-2005);
  • President, Bualuang Finance Company Limited (2000-2001);
  • Vice President, Bangkok Bank Public Company Limited (1998-1999);
  • Analyst, Investment Banking Morgan Stanley (1993-1996); and
  • Economist, Government of Singapore Investment Corporation (GIC) (1991- 1993).
Position
Commissioner
Photo
Position Group
Board of Commisioners
Position (Secondary)
Member
,

Haryanto Sahari

Indonesian Citizen 64 years old, resides in Jakarta.

Educational Background

He holds a Bachelor of Economics degree majoring in Accounting from the University of Indonesia in 1982.

Professional affiliations:

  • Member of Indonesian Institute of Accountant (IAI) – Chartered Accountant (CA).
  • Member of Indonesia Public Accountant Association (IAPI) – Certified Public Accountant (CPA).

Professional Background

Legal Basis & Tenure

Appointed as Independent Commissioner of PermataBank by Extraordinary GMS of PermataBank on 26 September 2017, and effective on 8 November 2017.

He was reappointed at the Annual GMS on 14 April 2020.

Multiple Board Membership

Also serves as chairman of Audit Committee, chairman of Risk Monitoring Committee, member of Remuneration and Nomination Committee and member of Integrated Governance Committee at PermataBank.

Currently he also holds several roles, as:

  • Member of Audit Committee at the University of Indonesia since November 2016;
  • Member of Audit Committee at PT Unilever Tbk since October 2016;
  • Member of Audit Committee at PT Medikaloka Hermina Tbk since November 2017;
  • Independent Commissioner and Chairman of Audit Committee at PT Cardig Aero Services Tbk since October 2019; and
  • Member of Audit Committee at PT Angkasa Jasa Semesata Tbk since January 2020.

Professional Experience

Formerly, Mr. Haryanto was a President Commissioner in several companies such as PT Batanghari Sawit Sejahtera, PT Kaswari Unggul, PT Flora Wahana Tirta, PT Ekajaya Multiperkasa, PT Aditarwan, PT Arta Prigel, PT Perkebunan Inti Sawit Subur, and PT Bukit Barisan Indah Prima, since September 2011 to October 2019.

Other previous important positions held by Mr. Haryanto as follows:

  • Commissioner of PT Kikim Resources from October 2012 to June 2017;
  • Commissioner of PT Agri Capital Resources from May 2010 to July 2016;
  • Commissioner of PT Tempirai Palm Resources from June 2009 to July 2016;
  • Commissioner of PT Rambang Agro Jaya from August 2008 to July 2016;
  • Assistant Manager at Arthur Young (Public Accounting Firm Santoso Harsokusumo Indonesia) since 1980 to 1984.
  • Senior Auditor in PwC Australia in 1987;
  • Partner at PricewaterhouseCoopers (PwC) Indonesia from 1990 to June 2017; and
  • Country Senior Partner at PricewaterhouseCoopers (PWC) Indonesia since 1996 to 2006.
Position
Independent Commissioner
Photo
Position Group
Board of Commisioners
Position (Secondary)
Chairman (Independent)
Position (3rd)
Chairman
Position (4th)
Member
,

Eni Widiarti Soetarso

Indonesian citizen. She does not have any affiliations with members of the Board of Commissioners, or members of the Board of Directors, nor with the main shareholders.

Eni Widiarti Soetarso has more than 20 years experiences in human resource management and service management. She joined with PT Bank Permata Tbk since 2003 as Program, Service & Customer Acquisition Senior Manager at Preferred Banking Head Office. Afterwards, in consecutively, she held the position as:

  • Customer Measurement Senior Manager at Service Quality Head Office (2005-2006).
  • Executive Development Senior Manager at HR Organization Learning (2006-2007).
  • HR Relationship Manager (Risk Management) (2007-2009).
  • Head - Expatriate & Executive Services (2009-2011).
  • Head - HR Care & Employee Relations (2011-2012).
  • Head – Employee Relations & Executive Support (2012- 2013).
  • Head HR & Employee Relations (2013-2016).
  • Recently holds the position as Head HR (Finance, HR & Executive), Talent Management, Culture & Change.

She graduated from Sekolah Tinggi Pariwisata (NHI), Bandung (1991-1994).

Position
Executive Officer
Photo
Position (Secondary)
Member (Executive Officer)
Corporate Secretary

Katharine Grace

Indonesian citizen, 46 years old, and lives in Jakarta. Served as Corporate Secretary from 15 January 2010 to present. She holds a Bachelor's Degree in Law from the University of Indonesia and Lex Legibus Magister (LL.M) from Queen Mary University of London, England in 2003. 

Katharine Grace appointed as PermataBank Corporate Secretary pursuant to The Letter Provision of Human Resources Director No.14997/SK/BI/I/2010 dated 15 January 2010. Her appointment as the PermataBank Corporate Secretary had been notified to BAPEPAM-LK and Indonesian Stock Exchange pursuant to PermataBank Letter No. 022/BP/DIR/I/10 dated 15 January 2010 and announced to the public in Bisnis Indonesia Newspaper on 18 January 2010. She does not have any double duty in both PermataBank and other entities related to PermataBank. Previously, she worked in Hadiputranto, Hadinoto and Partners’ Law Consultant Office as a Senior Associate 1996-2010.

Position
Corporate Secretary
Photo
Position Group
Corporate Secretary

 

 

Indonesian citizen, 46 years old, and lives in Jakarta. Served as Corporate Secretary from 15 January 2010 to present. She holds a Bachelor's Degree in Law from the University of Indonesia and Lex Legibus Magister (LL.M) from Queen Mary University of London, England in 2003. 

Katharine Grace appointed as PermataBank Corporate Secretary pursuant to The Letter Provision of Human Resources Director No.14997/SK/BI/I/2010 dated 15 January 2010. Her appointment as the PermataBank Corporate Secretary had been notified to BAPEPAM-LK and Indonesian Stock Exchange pursuant to PermataBank Letter No. 022/BP/DIR/I/10 dated 15 January 2010 and announced to the public in Bisnis Indonesia Newspaper on 18 January 2010. She does not have any double duty in both PermataBank and other entities related to PermataBank. Previously, she worked in Hadiputranto, Hadinoto and Partners’ Law Consultant Office as a Senior Associate 1996-2010.

Position
Corporate Secretary
Photo
Position Group
Corporate Secretary
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