PermataBank AR 2019 Final 08042020 0

2019 Annual Repor t
2019 Annual Repor t
MAKING
A DI F F E
RENCE
PT Bank Permata Tbk 1
MAKING
A DI F F E
RENCE
B agi PermataBank, transformasi digital berarti memberikan
solusi-solusi terbaik dalam memenuhi kebutuhan nasabah
dan pemangku kepentingan secara ‘simple, fast and reliable’,
sebagai upaya untuk menjadi bank pilihan dengan terus
membina kemitraan dan menciptakan nilai bermakna bagi
nasabah dan pemangku kepentingan.
Di tahun 2019, perjalanan transformasi digital PermataBank

terus berlanjut dengan sejumlah inisiatif, antara lain, Shariah
Mobile Banking Super Apps dan Model Branch, yang
merupakan pelopor di industri. Ini membuktikan komitmen
kami untuk ‘making a difference’ dalam kehidupan para
nasabah, pemegang saham dan PermataBankers, serta
masyarakat pada umumnya.
At PermataBank, digital transformation is about how best to respond to the customers and
stakeholders needs in a ‘simple, fast and reliable’ manner, in order to be the bank of choice, nurturing
relationship and creating value for its customers and stakeholders.
In 2019, our digital transformation journey continues with the introduction of, among others, the
Shariah Mobile Banking Super Apps and the Model Branch, the first of its kind in the industry.
These initiatives represent our commitment to ‘making a difference’ in the lives of our customers,
shareholders and employees as well as the communities at large.
Laporan Tahunan 2019 Annual Report

Ikhtisar Utama Laporan Manajemen Profil Perusahaan Analisis dan Pembahasan Manajemen
2 PT Bank Permata Tbk
Daftar Isi
Contents
15 54
Ikhtisar Utama
Main Highlights 6 Profil Perusahaan
Company Profile 54
Tema | Theme 1 Informasi Umum Perusahaan | The Company’s General Information 56
Ikhtisar Kinerja 2019 6 Riwayat Singkat Perusahaan | Brief History of the Company 58
2019 Performance Highlights
Jejak Langkah | Milestones 60
Ikhtisar Keuangan 8
Financial Highlights Kegiatan Usaha | Business Activities 62
Ikhtisar Saham 10 Produk dan Layanan | Products and Services 64
Shares Overview
Struktur Organisasi | Organizational Structure 66
Aksi Korporasi 12
Corporate Action Visi dan Misi | Vision and Mission 68
Ikhtisar Obligasi 12 Nilai-nilai Utama (I-PRICE) | Core Values (I-PRICE) 69
Bonds Overview
Komitmen terhadap Pemangku Kepentingan 70
Penghargaan & Sertifikasi 16 Commitment to Stakeholders
Awards & Certifications
Profil Dewan Komisaris | Board of Commissioners’ Profile 72
Pernyataan Independensi Komisaris Independen 80
Independent Statement of Independent Commissioner
18
Profil Direksi | Board of Directors’ Profile 82
Profil Dewan Pengawas Syariah | Shariah Supervisory Board Profile 90
Profil Anggota Komite | Committee Member Profile 92
Pejabat Eksekutif | Executive Officer 98
Jumlah Karyawan | Number of Employees 102
Pengembangan Kompetensi Karyawan 105
Employee Competence Development
Informasi Pemegang Saham | Shareholders Information 108
20 Pemegang Saham Terbesar | Top 20 Shareholders 111
18
Informasi Pemegang Saham Utama | Main Shareholders Information 112
Laporan Manajemen
Management Report
Data Anak Perusahaan dan Penyertaan Saham Lainnya 114
Subsidiaries and Others Investment in Shares
Kantor Cabang | Branch Offices 115
Laporan Dewan Komisaris 20 Wilayah Operasional | Operations Area 124
Board of Commissioners’ Report
Laporan Direksi 32
Struktur Grup Perusahaan | Company Group Structure 126
Board of Directors’ Report Struktur Pemegang Saham | Shareholders Structure 127
Laporan Dewan Pengawas Syariah 46 Kronologis Penerbitan dan Pencatatan Saham 128
Shariah Supervisory Board’s Report Shares Issuance and Listing Chronology
Surat Pernyataan Dewan Komisaris dan Direksi tentang 50 Kronologis Penerbitan dan Pencatatan Efek Bersifat Utang 130
Tanggung Jawab atas Laporan Tahunan PT Bank Permata Tbk Debt-Type Securities Issuance and Listing Chronology
Tahun 2019
Member of the Board of Commissioners and the Board of Directors Nama dan Alamat Lembaga dan/atau Profesi Penunjang Pasar Modal 131
Statement of Accountability of Annual Report 2019 Name and Address of Supporting Capital Market Profession and/or Institution
PT Bank Permata Tbk Informasi pada Situs Web Perusahaan 132
Information in Company’s Website
Makna Logo PermataBank 133
Laporan Tahunan 2019 Annual Report The Meaning of PermataBank Logo
Manajemen Risiko Tinjauan Operasional Tata Kelola Perusahaan Tanggung Jawab Sosial Perusahaan Laporan Keuangan 2019

Main Highlights
Management Reports
Company Profile
Management Discussion and Analysis
Risk Management
Operational Review
Corporate Governance
Corporate Social Responsibility
Financial Statements 2019
134
Struktur Modal dan Kebijakan Manajemen atas 278
Struktur Modal serta Dasar Penentuan Kebijakan
Capital Structure and Management Policy on Capital
Structure and Basis for Policy Determination
Ikatan yang Material untuk Investasi Barang Modal 283
Material Commitments for Capital Expenditures
Investasi Barang Modal pada Tahun 2019 284
Investment of Capital Goods in 2019
Informasi dan Fakta Material yang Terjadi Setelah 284
Tanggal Laporan Akuntan
Material Information and Facts That Happen After the
Accountant’s Report Date
Analisis dan
134
Perbandingan antara Target 284
dan Realisasi 2019
Pembahasan Manajemen Comparison between Targets and
Management Discussion Realization 2019
and Analysis Proyeksi 2020 | Projections 2020 287

Prospek Usaha Perusahaan 289
Business Prospects
Tinjauan Kinerja Bisnis 136
Business Performance Overview Aspek Pemasaran 292
Marketing Aspect
Tinjauan Kinerja per Segmen Usaha 137
Performance Overview per Business Segment Kebijakan Dividen dan Pembagiannya 296
Dividend Policy and Its Distribution
Retail Banking | Retail Banking 138
Program Kepemilikan Saham oleh Karyawan dan/atau 296
Consumer Banking | Consumer Banking 146 Manajemen (ESOP/MSOP)
Employee and/or Management (ESOP/MSOP) Ownership
E-Channels | E-Channels 162 Programs Management (ESOP/MSOP)
SME Banking | SME Banking 166 Realisasi Penggunaan Dana 297
Hasil Penawaran Umum
Kualitas Layanan dan Keunggulan Operasional 170 Realization of Use of Public Offering Funds
Service Quality and Operational Excellence
Wholesale Banking | Wholesale Banking 178
Perjanjian Signifikan 297
Significant Agreements
Corporate Banking | Corporate Banking 184 Informasi Transaksi Material yang Mengandung 298
Benturan Kepentingan dan/atau Transaksi dengan
Commercial Banking | Commercial Banking 188 Pihak Afiliasi/Pihak Berelasi
Financial Institution | Financial Institution 192 Information Regarding Material Transactions Containing
Conflict of Interest and/or Transaction with Affiliate
Transaction Banking | Transaction Banking 196 Parties/Related Parties
Global Markets | Global Markets 200 Informasi Transaksi terkait Investasi, Ekspansi, 300
Divestasi, Penggabungan Usaha, Akuisisi dan
Unit Usaha Syariah | Shariah Business Unit 204 Restrukturisasi
Transaction Information related to Investment, Expansion,
Distribusi Jaringan | Network Distribution 214 Divestment, Merger, Acquisition, and Restructuring
Aktivitas Pemasaran | Marketing Activity 222 Perubahan Peraturan Perundang-Undangan yang 300
Berpengaruh Signifikan terhadap Perusahaan
Tinjauan Kinerja Keuangan 238 Amendments to Legal Regulations that had a Significant
Financial Performance Overview Impact to the Company
Perekonomian dan Industri Perbankan 239 Perubahan Kebijakan Akuntansi dan Dampaknya yang 300
Economic and Banking Industry Diterapkan di Tahun 2019
Changes in Accounting Policies and the Impacts
Tinjauan Kinerja Keuangan Perusahaan 245
Overview of the Company’s Financial Performance Implemented in 2019
Suku Bunga Dasar Kredit 271 Ketaatan sebagai Wajib Pajak 302
Prime Lending Rates Tax Compliance
Analisa Kemampuan Membayar Utang dan 272 Informasi Kelangsungan Usaha 302
Kolektibilitas Piutang serta Rasio Keuangan yang Business Continuity Information
Relevan
Analysis of Ability to Pay Debts, Collectibility of
Receivables and Relevant Financial Ratios
Transaksi Spot dan Derivatif 277
Spot and Derivative Transactions

Ikhtisar Obligasi
Bonds Overview
308 446
Manajemen Risiko
Risk Management 308 Tata Kelola Perusahaan
Good Corporate Governance 446
Fokus Manajemen Risiko 2019 311 Prinsip-Prinsip Pelaksanaan Tata Kelola Perusahaan 449
Risk Management Focus 2019 Principles of Corporate Governance Implementation
Sistem Manajemen Risiko 314 Tujuan Penerapan Tata Kelola Perusahaan 450
Risk Management System Purpose of Implementation of Corporate Governance
Upaya untuk Mengelola Risiko 317 Peningkatan Penerapan Tata Kelola Perusahaan 450
Efforts to Manage Risk Improving the Implementation of Corporate Governance
Pengungkapan Eksposur Risiko dan Penerapan Manajemen 319 Struktur dan Hubungan Tata Kelola Perusahaan 451
Risiko Bank Structure and Relationship of Corporate Governance
Bank Risk Exposure Disclosure and Risk Management
Implementation
Evaluasi GCG oleh Pihak Eksternal 451
Evaluation of GCG by External Party
Penilaian Penerapan Good Corporate Governance 452
Assessment of the Implementation of Good Corporate Governance
Rapat Umum Pemegang Saham 458
General Meeting of Shareholders
Data Pemegang Saham Utama dan Pengendali, Langsung 482
414
Maupun Tidak Langsung hingga Pemilik Individu
Main and Controlling Shareholders, Direct and Indirect
to Individual Owners
Dewan Komisaris 483
Board of Commissioners
Persyaratan dan Kriteria Komisaris Independen 491
Independent Commissioners Requirements
414
Direksi | Board of Directors 492
Tinjauan Pendukung Bisnis Keberagaman Komposisi Dewan Komisaris dan Direksi 501
Business Support Overview Diversity in the Composition of the Board of Commissioners
and the Board of Directors
Sumber Daya Manusia 416 Pelaksanaan Rapat Dewan Komisaris dan Rapat Direksi 504
Human Resources The Board of Commissioners and the Board of
Directors Meeting Implementation
Teknologi Informasi dan Operasional 430
Information Technology and Operations Hubungan Afiliasi | Affiliated Relationship 518
Komite Audit | Audit Committee 520
Komite Remunerasi & Nominasi 534
Remuneration & Nomination Committee
Komite Pemantau Risiko (RMOC) 542
Risk Monitoring Committee (RMOC)
Komite Tata Kelola Terintegrasi 549
Integrated Governance Committee
Komite-komite di Bawah Direksi 549
Committees of the Board of Directors
Tata Kelola Remunerasi 563
Remuneration Governance
Sekretaris Perusahaan 573
Corporate Secretary


Main Highlights
Management Reports
Company Profile
Risk Management
Operational Review
Fungsi Kepatuhan | Compliance Function 577

Fraud Risk Management (FRM) 584
Fraud Risk Management (FRM)
Internal Fraud | Internal Fraud 589
664
Transaksi yang Mengandung Benturan Kepentingan 589
Conflicts of Interests Transactions
Transaksi Afiliasi Sesuai Peraturan Bapepam-LK No. IX.E.1 590
Affiliated Party Transaction in Accordance with
Bapepam-LK Regulation No. IX.E.1
Pemberian Dana untuk Kegiatan Sosial dan Politik 590
664
Fund Provision for Social and Political Activities
Transparansi Kondisi Keuangan dan Non Keuangan Bank 590 Tanggung Jawab Sosial Perusahaan
Transparency on Bank’s Financial and Non-Financial Condition
Pembelian Kembali Saham atau Obligasi Subordinasi 603
Buyback of Share or Subordinated Bonds
Tata Kelola Terkait Tanggung Jawab Sosial Perusahaan 667
Penyediaan Dana kepada Pihak Terkait dan Penyediaan Dana 603 Governance Related to Corporate Social Responsibility
dalam Jumlah Besar
Provision of Funds to Related Parties and Large Exposures Tanggung Jawab Sosial Perusahaan Bidang Hak Asasi Manusia 670
Corporate Social Responsibility in Human Rights
Audit Eksternal 603
External Audit Tanggung Jawab Sosial Perusahaan Bidang Operasi yang Adil 671
Corporate Social Responsibility in Fair Operations
Satuan Kerja Audit Internal (SKAI) 604
Internal Audit Tanggung Jawab Sosial Perusahaan Bidang Lingkungan Hidup 673
Corporate Social Responsibility in Environment
Sistem Pengendalian Internal 616
Internal Control System Tanggung Jawab Sosial di Bidang Ketenagakerjaan, Kesehatan 674
dan Keselamatan Kerja
Hukum | Legal 622 Corporate Social Responsibility in Employment, Occupational Health
dan Safety
Permasalahan Hukum | Legal Cases 625
Sanksi Administratif | Administrative Sanctions 627
Tanggung Jawab Sosial Perusahaan terhadap Nasabah 678
Corporate Social Responsibility to the Customer
Akses Informasi dan Data Perusahaan 627 Tanggung Jawab Sosial Perusahaan Bidang Pengembangan 679
Information Access and Corporate Data Sosial Kemasyarakatan
Corporate Social Responsibility in Community Development
Kode Etik | Code of Conduct 632
682
Budaya Perusahaan | Corporate Culture 636
Laporan Keuangan 2019
Program Kepemilikan Saham oleh Karyawan dan/atau 637
Manajemen 2019 Financial Statements
Employees and/or Management Shares Option Program
Pedoman Tata Kelola Perusahaan Terbuka 638 Laporan Keuangan 2019 682
Corporate Governance Guidelines for Public Companies 2019 Financial Statements
Rencana Strategis 2020 641
Strategic Plans 2020
Tata Kelola Pengadaan Barang dan Jasa 642
Goods and Services Procurement Governance
Manajemen Risiko | Risk Management 643
Sistem Pelaporan Pelanggaran | Whistle Blowing System 644
Kebijakan Anti Korupsi | Anti Corruption Policy 645
Publikasi Penanganan Pengaduan 645
Publication on Complaints Handling
Laporan Pelaksanaan Good Corporate Governance 646
Unit Usaha Syariah PT Bank Permata Tbk
Periode Tahun 2019
Good Corporate Government Implementation Report Shariah
Business Unit of PT Bank Permata Tbk – Period 2019

Ikhtisar Kinerja 2019

2019 Performance Highlights
Rasio Keuangan (%) - Pertumbuhan dengan Kinerja yang Kuat

Financial Ratios (%) – Growth with Robust Performance
KPMM ROE ROA

CAR ROE ROA
19,4
17,6
19,9
18,7
KPMM
CAR
7,2
220 bps yoy 1,3
50 bps yoy
50 bps yoy 5,0
0,8
CET-1
CET-1
110 bps yoy

2018 2019 2018 2019 2018 2019
CAR
BOPO NIM
CET-1 Operating Expense to Operating Income NIM
93,4
87,0 640 bps yoy 4,1
4,4
30 bps yoy
2018 2019 2018 2019
Pertumbuhan Pinjaman dengan Portofolio Aset Sehat

Loan Growth with Healthier Asset Portfolio
Kredit - Bruto (Rp Triliun) NPL

Loan - Gross (Rp Trillion) NPL
160 bps yoy

109,04 NPL - Bruto
1,5% yoy
107,41 4,4
NPL - Gross
40 bps yoy
2,8 NPL - Neto
(8,5% tidak termasuk kredit yang NPL - Net
mengalami penurunan nilai)
(8,5% excluding impaired loan) 1,7
1,3
NPL Bruto | NPL Gross
NPL Neto | NPL Net

2018 2019 2018 2019

Pertumbuhan Profitabilitas - dengan Peningkatan Berkelanjutan

Profitability Growth – with Continuous Improvement
Laba Bersih (Rp Triliun) Penghasilan Bunga Bersih (Rp Triliun) Pendapatan Operasional Selain Bunga
Net Profit (Rp Trillion) Net Interest Income (Rp Trillion) (Rp Triliun)
Operating Income Other Than Interest
(Rp Trillion)
2,01 Laba Bersih
Net Profit
5,40 5,72
5,9%
1,50
66,5%
2,11
7,8%
1,22 1,96
0,90
Laba Sebelum Pajak
Profit After Tax
64,9%
2018 2019 2018 2019
2018 2019
Laba Sebelum Pajak | Profit After Tax
Laba bersih | Net Profit
Biaya Operasional Lainnya (Rp Triliun) Kerugian Penurunan Nilai (Rp Triliun)
Other Operating Expenses (Rp Trillion) Impairment Losses (Rp Trillion)
4,47 4,74
6,1%
1,68
35,2%
1,09
2018 2019 2018 2019

Ikhtisar Keuangan
Financial Highlights
Angka-angka pada seluruh tabel dan grafik menggunakan notasi bahasa Indonesia Numerical notation in all tables and graphs is in Indonesian format
(Dalam Jutaan Rupiah kecuali Data Saham) (In Million Rupiah, except for Shares Data)
Consolidated Statements of Financial

Laporan Posisi Keuangan Konsolidasian 2019 2018 2017 Position
Total Aset 161.451.259 152.892.866 148.328.370 Total Assets
Total aset produktif 141.641.383 132.020.690 126.023.655 Total productive assets
Kredit yang diberikan - bruto 109.039.100 107.411.295 98.615.022 Loans - gross
Kredit yang diberikan - bersih 105.082.244 99.209.601 90.020.985 Loans - net
Penempatan pada Bank Indonesia dan bank-bank 14.854.689 11.850.858 6.294.096 Placement with Bank Indonesia and other banks
lain
Efek-efek untuk tujuan investasi 13.801.606 14.989.712 22.820.908 Investment securities
Total Liabilitas 137.413.908 130.440.930 126.817.628 Total Liabilities
Simpanan dari nasabah 123.184.575 118.135.189 111.288.007 Deposits from customers
Giro 32.438.603 28.079.920 30.034.800 Demand deposits
Tabungan 29.845.502 28.809.247 27.822.715 Savings
Deposito 60.900.470 61.246.022 53.430.492 Time deposits
Simpanan dari bank-bank lain 2.973.682 2.460.671 2.697.543 Deposits from other banks
Utang subordinasi 2.278.818 4.784.287 6.531.643 Subordinated debts
Total Ekuitas 24.037.351 22.451.936 21.510.742 Total Equity
Jumlah lembar saham yang ditempatkan dan 28.042.739.205 28.042.739.205 28.042.739.205 Number of shares issued and fully paid
disetor penuh (dalam satuan) (in unit)
Laporan Laba Rugi dan Penghasilan Consolidated Statements of Profit or

Komprehensif Konsolidasian Loss and Other Comprehensive Income
Pendapatan bunga dan pendapatan syariah 5.720.968 5.400.185 5.224.226 Net interest and shariah income
Pendapatan provisi dan komisi - bersih dan 2.113.505 1.961.296 3.355.959 Net fees and commission income and
pendapatan operasional lainnya other operating income
Kerugian penurunan nilai aset keuangan (1.086.106) (1.676.421) (3.127.098) Impairment losses on financial assets
Beban operasional lainnya (4.737.632) (4.465.833) (4.501.955) Other operating expenses
Laba sebelum pajak penghasilan 2.010.735 1.219.227 951.132 Income before tax
Beban pajak penghasilan (510.315) (317.975) (202.699) Income tax expense
Laba bersih 1.500.420 901.252 748.433 Net income
Penghasilan komprehensif lain, setelah pajak 84.995 40.070 (22.747) Other comprehensive income, net of tax
penghasilan
Jumlah laba komprehensif 1.585.415 941.322 725.686 Total comprehensive income
Laba bersih yang dapat diatribusikan kepada: Net income attributable to:
a. Pemilik entitas induk 1.500.420 901.251 748.433 a. Equity holders of the parent entity
b. Kepentingan non-pengendali - 1 - b. Non-controlling interests
Laba komprehensif yang dapat diatribusikan Comprehensive income attributable to:
kepada:
a. Pemilik entitas induk 1.585.415 941.321 725.686 a. Equity holders of the parent entity
b. Kepentingan non-pengendali - 1 - b. Non-controlling interests
Laba bersih per saham dasar dan dilusian yang 54 32 29 Basic and diluted earnings per share attributable
dapat diatribusikan kepada pemilik entitas induk to equity holders of the parent entity (whole
(Rupiah penuh) Rupiah)


Main Highlights
Management Reports
Company Profile
Risk Management
Operational Review
Rasio Keuangan Financial Ratios

(Entitas Induk Saja) 2019 2018 2017 (Parent Entity Only)
Rasio Kinerja Performance Ratio
Kewajiban Penyediaan Modal Minimum (KPMM) 19,9% 19,4% 18,1% Capital Adequacy Ratio (CAR)
Aset produktif bermasalah dan aset non-produktif 1,8% 2,8% 2,7% Non-performing productive assets and non-
bermasalah terhadap total aset produktif dan aset productive assets to total earnings and non-
non-produktif productive assets
Aset produktif bermasalah terhadap total aset 2,2% 3,5% 3,3% Non-performing productive assets to total
produktif productive assets
Cadangan Kerugian Penurunan Nilai (CKPN) aset 2,9% 6,1% 6,4% Allowance for impairment of financial assets to
keuangan terhadap aset produktif total productive assets
NPL-bruto 2,8% 4,4% 4,6% NPL-gross
NPL-neto 1,3% 1,7% 1,7% NPL-net
Imbal Hasil Aset (ROA) 1,3% 0,8% 0,6% Return on Assets (ROA)
Imbal Hasil Ekuitas (ROE) 7,2% 5,0% 4,8% Return on Equity (ROE)
Margin Pendapatan Bunga Bersih (NIM) 4,4% 4,1% 4,0% Net Interest Margin (NIM)
Biaya Operasional terhadap Pendapatan 87,0% 93,4% 94,8% Operating Expenses to Operating Income (BOPO)
Operasional (BOPO)
Loan to Deposit Ratio (LDR) 86,3% 90,1% 87,5% Loan to Deposit Ratio (LDR)
Liquidity Coverage Ratio (LCR) 203,6% 223,6% 274,5% Liquidity Coverage Ratio (LCR)
Net Stable Funding Ratio (NSFR) 114,2% 119,8% N/A Net Stable Funding Ratio (NSFR)
Rasio liabilitas terhadap ekuitas 579,0% 589,3% 597,3% Liabilities to equity ratio
Rasio liabilitas terhadap aset 85,3% 85,5% 85,7% Liabilities to assets ratio
Kepatuhan Compliance
1. a. Persentase Pelanggaran BMPK 1. a. Percentage of Violation of Legal Lending Limit
i. Pihak terkait 0,0% 0,0% 0,0% i. Related parties
ii. Pihak tidak terkait 0,0% 0,0% 0,0% ii. Third parties
b. Persentase Pelampauan BMPK b. Percentage of Excess of Legal Lending Limit
i. Pihak terkait 0,0% 0,0% 0,0% i. Related parties
ii. Pihak tidak terkait 0,0% 0,0% 0,0% ii. Third parties
2. Giro Wajib Minimum (GWM) 2. Minimum Reserve Requirement
a. GWM utama Rupiah 6,4% 6,9% 6,7% a. Rupiah primary minimum reserve requirement
b. GWM valuta asing 8,5% 8,1% 8,1% b. Foreign currency minimum reserve requirement
3. Posisi Devisa Neto (PDN) secara keseluruhan 8,6% 0,1% 1,0% 3. Net Open Position (NOP) - aggregate
Lain-Lain Others
Jumlah karyawan tetap (termasuk entitas anak) 7.120 7.125 7.542 Total permanent employees (including subsidiary)
Jumlah kantor (tidak termasuk kantor layanan syariah) 310 323 327 Total offices (excluding shariah office channeling)
Jumlah Anjungan Tunai Mandiri (ATM) 975 1.005 1.000 Total ATMs

Ikhtisar Saham
Shares Overview
Informasi Saham yang Telah Diterbitkan untuk Setiap Masa Triwulan dalam Dua Tahun Buku Terakhir (2019 - 2018)
Information of Issued Shares Quarterly for Two Financial Years (2019 - 2018)
2019 Q1 Q2 Q3 Q4
Jumlah Saham yang Diterbitkan 28.042.739.205 28.042.739.205 28.042.739.205 28.042.739.205

Number of Issued Shares
Harga Saham Tertinggi 1.280 1.030 1.170 1.425

Highest Share Price
Harga Saham Terendah 595 770 780 950

Lowest Share Price
Harga Saham Penutupan 960 780 1.110 1.265

Closing Share Price
Kapitalisasi Pasar (Rp) 26.651.819.340.480 21.654.603.214.140 30.816.166.112.430 35.119.324.443.445

Market Capitalization (Rp)
Volume Perdagangan 6.112.719.900 1.446.030.000 3.002.561.100 3.009.575.500

Transaction Volume
2018 Q1 Q2 Q3 Q4
Jumlah Saham yang Diterbitkan 28.042.739.205 28.042.739.205 28.042.739.205 28.042.739.205

Number of Issued Shares
Harga Saham Tertinggi 695 655 610 670

Highest Share Price
Harga Saham Terendah 575 480 460 438

Lowest Share Price
Harga Saham Penutupan 585 580 500 620

Closing Share Price
Kapitalisasi Pasar (Rp) 16.240.952.410.605 16.102.140.851.540 13.881.155.906.500 17.212.633.324.060

Market Capitalization (Rp)
Volume Perdagangan 738.498.600 965.687.600 703.458.000 709.590.400

Transaction Volume
Penghentian Sementara Perdagangan Saham Temporary Suspension of Stock Trading or

(Suspension) atau Penghapusan Pencatatan Delisting
Saham (Delisting)
Selama tahun 2019, PermataBank tidak mengalami penghentian During 2019, PermataBank did not experience a temporary
sementara perdagangan saham (suspension) yang diberikan oleh suspension of stock trading provided by the stock exchange
otoritas bursa efek maupun penghapusan pencatatan saham authority or delisting.
(delisting).


Main Highlights
Management Reports
Company Profile
Risk Management
Operational Review
Pergerakan Harga dan Volume Perdagangan Saham 2018-2019

2018-2019 Shares Price Movement and Transaction Volume
Dalam Rupiah | In Rupiah dan lembar saham | shares
Volume
Rp (lembar saham | shares)
1.500 2.500.000.000
1.350 2.250.000.000
1.200 2.000.000.000
1.050 1.750.000.000
900 1.500.000.000
750 1.250.000.000
600 1.000.000.000
450 750.000.000
300 500.000.000
150 250.000.000
0 0
Jan Feb Mar Apr Mei Jun Jul Agt Sep Okt Nov Des Jan Feb Mar Apr Mei Jun Jul Agt Sep Okt Nov Des
2018 2019
Harga Penutupan Saham | Shares Closing Price Volume | Volume
2018 2019
Harga Saham Volume Harga Saham Volume

Bulan
Share Price Perdagangan Share Price Perdagangan
Month
Tertinggi Terendah Penutupan Transaction Tertinggi Terendah Penutupan Transaction
Highest Lowest Closing Volume Highest Lowest Closing Volume
Januari | January 695 595 660 394.942.400 1.070 595 1.010 2.330.128.500
Februari | February 690 615 655 208.777.000 1.280 955 1.065 2.324.033.700
Maret | March 665 575 585 134.779.200 1.155 890 960 1.458.557.700
April | April 655 515 555 366.003.600 1.030 895 940 526.446.800
Mei | May 565 480 505 168.799.300 950 770 795 648.263.000
Juni | June 640 498 580 430.884.700 855 775 780 271.320.200
Juli | July 610 498 540 247.887.400 990 780 945 843.778.400
Agustus | August 555 496 498 135.393.600 1.090 800 970 1.155.005.700
September | September 600 460 500 320.177.000 1.170 950 1.110 1.003.777.000
Oktober | October 510 456 460 80.009.400 1.390 1.085 1.335 925.948.800
November | November 478 438 454 109.340.400 1.425 950 1.040 1.035.688.500
Desember | December 670 458 620 520.240.600 1.400 1.005 1.265 1.047.938.200
Sumber | Source: Reuters

Aksi Korporasi
Corporate Action
Selama tahun 2019, tidak terdapat Aksi Korporasi yang dilakukan During 2019, PermataBank did not conduct any Corporate Action.
oleh PermataBank.
Ikhtisar Obligasi
Bonds Overview
Jumlah Pokok Peringkat

Tanggal Periode
Nama Obligasi Obligasi Bunga Jatuh Tempo Rating
No Penerbitan Pemeringkatan
Bonds Bonds Principal Interest Rate Due Date
Issuance Date Rating Period 2019 2018
Amount
1. Medium Term Notes (MTN) Rp700.000.000.000 TDBI rate 10 Maret 2010 10 Maret 2020 Tidak diperingkat - -
Subordinasi Tahun 2010 - Rp (deposito 10 March 2010 10 March 2020 Not rated
Subordinated Medium Term berjangka Bank
Notes Year 2010 - Rp Indonesia) 3
bulan +2,75%
TDBI rate (Bank
Indonesia
time deposit)
3 months
+2.75%
2. Obligasi Subordinasi Rp860.000.000.000 12% p.a 24 Desember 2013 24 Desember 2020 6 September 2019 – AA+
id id
AA+
Berkelanjutan II Bank 24 December 2013 24 December 2020 1 September 2020 (Double A (Double A
Permata Tahap I Tahun 2013 Plus) Plus)
Continuous Subordinated
Bonds II of Bank Permata
Phase I Year 2013
3. Obligasi Subordinasi Rp700.000.000.000 11,75% p.a 24 Oktober 2014 24 Oktober 2021 6 September 2019 – id
AA id
AA
Berkelanjutan II Bank 24 October 2014 24 October 2021 1 September 2020 (Double A) (Double A)
Permata Tahap II Tahun 2014
Continuous Subordinated
Bonds II of Bank Permata
Phase II Year 2014


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Pembayaran Bunga yang Dilakukan di Tahun Interest Payments in 2019

2019
Medium Term Notes (Obligasi Subordinasi IDR) Tahun 2010 Medium Term Notes (IDR Subordinated Bonds) 2010
Tanggal Pembayaran Jumlah Pembayaran

Keterangan (Bersih) Description
Payment Date Total Payment (Net)
11 Maret 2019
Pembayaran Bunga ke-36 Rp12.206.250.000 36th Payment of Interest
11 March 2019
10 Juni 2019
10 June 2019
10 September 2019
10 September 2019
10 Desember 2019
10 December 2019
Obligasi Subordinasi Berkelanjutan I Bank Permata Tahap I Continuous Subordinated Bonds I of Bank Permata Phase I
Tahun 2012 2012

15 Maret 2019
15 March 2019
17 Juni 2019
Pembayaran Bunga ke-28 dan Pokok Rp715.575.000.000 Principal and 28th Payment of Interest
17 June 2019
Obligasi Subordinasi Berkelanjutan I Bank Permata Tahap II Continuous Subordinated Bonds I of Bank Permata Phase II
Tahun 2012 2012

19 Maret 2019
19 March 2019
19 Juni 2019
19 June 2019
19 September 2019
19 September 2019
19 Desember 2019
Pembayaran Bunga ke-28 dan Pokok Rp1.842.300.000.000 Principal and 28th Payment of Interest
19 December 2019

Ikhtisar Obligasi
Bonds Overview
Obligasi Subordinasi Berkelanjutan II Bank Permata Tahap I Continuous Subordinated Bonds II of Bank Permata Phase I
Tahun 2013 2013

25 Maret 2019
Pembayaran Bunga ke-21 Rp25.800.000.000 21st Payment of Interest
25 March 2019
24 Juni 2019
Pembayaran Bunga ke-22 Rp25.800.000.000 22nd Payment of Interest
24 June 2019
24 September 2019
Pembayaran Bunga ke-23 Rp25.800.000.000 23rd Payment of Interest
24 September 2019
26 Desember 2019
26 December 2019
Obligasi Subordinasi Berkelanjutan II Bank Permata Tahap II Continuous Subordinated Bonds II of Bank Permata Phase II
Tahun 2014 2014

24 Januari 2019
24 January 2019
24 April 2019
24 April 2019
24 Juli 2019
24 July 2019
24 Oktober 2019
24 October 2019


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Penghargaan &
Sertifikasi
Awards & Certifications
Penghargaan dari Kanwil Ditjen Perbendaharaan Juara ketiga dalam Annual Report Award 2018 Penghargaan dalam Banking Service Excellence
Provinsi DKI Jakarta - Direktorat Jenderal untuk kategori Private Keuangan Listed, yang Award 2019 dari Marketing Research Indonesia &
Perbendaharaan - Kementerian Keuangan RI atas diselenggarakan oleh Kementerian Keuangan, Majalah Infobank.
kerja sama yang baik sebagai Bank Persepsi mitra Otoritas Jasa Keuangan, Bank Indonesia, Banking Service Excellence Award 2019 from
kerja dalam penatausahaan penerimaan negara Kementerian BUMN, Dirjen Pajak, Bursa Efek Marketing Research Indonesia & Infobank Magazine.
melalui Modul Penerimaan Negara (MPN). Indonesia, Komite Nasional Kebijakan Govenance
Award from the Regional Office of the Directorate (KNKG) dan Ikatan Akuntan Indonesia (IAI). Kategori Bank Umum | General Bank Category:
General of Treasury of DKI Jakarta Province - 3rd place winner in Annual Report Award 2018, for #1 Best Opening Account Website Application, #2
Directorate General of the Treasury - Ministry of the category: Financial Institution – Listed, from the Best Teller, #2 Phone Banking, #3 Best ATM Public
Finance RI for the good cooperation as Perception National Governance Policy Committee (KNKG), Area, #4 Call Center, #5 Best Overall Performance, #5
Bank partners in the administration of state revenue the Financial Services Authority (OJK), the Ministry Best Walk In Channel, #5 Best Digital Banking.
through the State Revenue Module (MPN). of State Owned Enterprises/BUMN, the Directorate
General of Tax, Bank Indonesia, the Indonesia Kategori Bank Syariah | Sharia Bank Category:
Stock Exchange and the Indonesian Accountants Golden Trophy Award (The Best Bank – Kategori UUS/
Association. Category UUS), #1 Best Overall Performance, #1 Best
Overall Minus E banking, #1 Best Customer Service,
Penghargaan dalam Asian Banker Indonesia
#1 Best Satpam/Security, #2 Best Teller.
Country Awards 2019 dari The Asian Banker
untuk kategori The Best Frictionless API Initiative,
Application or Programme, PermataBank - API Berkaitan dengan pelaksanaan Corporate Social
with Indo Premier Securities. Responsibility: Padmamitra Awards kategori
Asian Banker Indonesia Country Awards 2019 Inovasi Sosial dari Gubernur DKI Jakarta. Penghargaan dari Prima untuk kategori The Best
from The Asian Banker for the category The Best In relation with the implementation of Corporate Social Performance in Complaint Handling.
Frictionless API Initiative, Application or Programme, Responsibility: Padmamitra Awards in the category Award from Prima for the category The Best
PermataBank - API with Indo Premier Securities. Social Innovation from Governor of DKI Jakarta. Performance in Complaint Handling.


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Penghargaan Citi US Dollar Payments Straight Penghargaan dalam PermataHome Ready Cash Special Recognition Award dari Astra
Through Processing Excellence Award, dari Citibank. Indonesia PR of The meraih penghargaan “Highly Innovation 2019 untuk kategori Product
Citi US Dollar Payments Straight Through Processing Year 2019 untuk Recommended Innovative Performance: PermataMobile X.
Excellence Award, from Citibank. PermataBank - Mortgage Product” dalam Special Recognition Award from Astra Innovation
Banking Journalist Properti Indonesia Award 2019 2019 for category Product Performance:
Penghargaan Standard Chartered STP Awards USD Academy sebagai yang diselenggarakan oleh PermataMobile X.
Clearing Payment, dari Standard Chartered Bank. Best of the Best majalah Property Indonesia.
Standard Chartered STP Awards USD Clearing Media Relations PermataHome Ready Cash
Payment, from Standard Chartered Bank. Program 2019. received an award in Properti
Penghargaan dalam 8th InfoBank Digital Awards
Award in Indonesia PR Indonesia Award 2019,
2019 dari Majalah Infobank & ISENTIA Research
Penghargaan STP Award, Recognition of Your of The Year 2019 for organized by Property Indonesia
untuk kategori:
Outstanding Payment Formatting and Straight- PermataBank - Banking Magazine for category “Highly
Award in 8th InfoBank Digital Awards 2019 from
Through Rate, dari BNY Mellon. Journalist Academy as Recommended Innovative
Infobank Magazine & ISENTIA Research for category:
STP Award, in Recognition of Your Outstanding Best of the Best Media Mortgage Product”.
• #1 Kategori Kartu Debit Bank Umum Konvensional
Payment Formatting and Straight-Through Rate, from Relations Program
Category Debit Card for General Conventional
BNY Mellon. 2019.
Bank (Product Brand: Permata Debit).
• #2 Kategori Kartu Kredit Bank Umum Konvensional
Top 50 of the Biggest Market Capitalization Public Category Credit Card for General Conventional
Penghargaan dari Mastercard untuk kategori Listed Companies dari Indonesian Institute for Bank (Product Brand: Kartu Kredit Pertama).
Best Segmented Credit Card Program, Permata Corporate Director (IICD) yang diberikan dalam the 11th • #2 Kategori Unit Usaha Syariah – Bank Umum
Shopping Card #Shopalogic. IICD Corporate Governance Conference and Award. Konvensional Aset Rp5 Triliun Ke Atas
Award from Mastercard for category Best Segmented Top 50 of the Biggest Market Capitalization Public Listed Category Sharia Unit – General Conventional Bank
Credit Card Program, Permata Shopping Card Companies from IICD in the 11th IICD Corporate Governance with Assets of Rp5 Trillion and above
#Shopalogic. Conference and Award. (Corporate Brand: PermataBank Syariah).
Catatan I Note:
Penghargaan-penghargaan ini diterima oleh PermataBank di tahun 2019. Informasi di halaman ini terkait dengan foto piala atau sertifikat
penghargaan, nama penghargaan, serta badan/lembaga yang memberikan penghargaan.
These awards were received by PermataBank in 2019. Information on this page is related to the photo of the trophy or award certificate, the
name of the award, as well as the body/institution that gives the award.

#Accountabi
Laporan Manajemen
Management Report
Laporan Dewan Komisaris 20
Laporan Direksi 32
Board of Directors’ Report
Laporan Dewan Pengawas Syariah 46
Shariah Supervisory Board’s Report
Surat Pernyataan Dewan Komisaris dan Direksi tentang 50
Tanggung Jawab atas Laporan Tahunan PT Bank Permata Tbk
Tahun 2019
Member of the Board of Commissioners and the Board of Directors
Statement of Accountability of Annual Report 2019
PT Bank Permata Tbk


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ility

Laporan
Dewan Komisaris
D ewan Komisaris dan Direksi terus melakukan

penyesuaian dan mempertajam strategi
bisnis untuk memperkuat posisi PermataBank
dan meningkatkan kinerja keuangannya.
The Board of Commissioners and Board of Directors

continued to finetune and sharpen the business strategies
to strengthen PermataBank’s market position and financial
performance.
Pemegang saham dan pemangku kepentingan yang terhormat, Dear shareholders and stakeholders,
Pada tahun 2019, PermataBank terus membangun kekuatannya In 2019, PermataBank continued to build on its strengths to achieve
untuk meningkatkan kinerja keuangan. Hasil ini diperoleh sebagai improved financial performance. This was built on the consistent
hasil dari peningkatan yang konsisten atas upaya-upaya nyata progress since concrete actions were implemented in 2017 to
yang diambil untuk memperkuat posisi permodalan dan kerangka strengthen its capital position and risk management framework.
kerja manajemen risiko yang diimplementasikan pada tahun 2017. This achievement would not have been possible without the
Seluruh pencapaian ini tidak mungkin terwujud tanpa koordinasi coordinated effort between the Board of Commissioners, Board of
yang baik antara Dewan Komisaris, Direksi, dan PermataBankers. Directors, and PermataBankers.
Manajemen baru yang terpilih pada tahun 2017 membuktikan The new team put in place in 2017 proved its ability to continually
kemampuannya dalam menempatkan pondasi yang kokoh set the foundation blocks in place to drive PermataBank’s growth.
untuk mendorong pertumbuhan PermataBank. Kami terus We continued to restructure PermataBank’s asset portfolio,
merestrukturisasi portofolio aset PermataBank, memperkuat strengthen its capital position and risk management framework,
posisi modal dan kerangka kerja manajemen risiko, serta and improve its performance with the introduction of innovative
meningkatkan kinerja dengan memperkenalkan produk dan products and services.
layanan yang inovatif.


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Sebastian Ramon Arcuri

Komisaris Utama
President Commissioner

Laporan Dewan Komisaris

Upaya-upaya nyata ini membantu PermataBank membukukan These concrete actions helped PermataBank continue to register
hasil yang memuaskan di tahun 2019 di tengah ketidakpastian satisfactory results in 2019 amidst global economic uncertainties
ekonomi global yang berdampak pada melambatnya pertumbuhan which affected slowing Indonesia’s economic growth particularly
ekonomi Indonesia, terutama sektor investasi dan ekspor. investment and exports.
Pencapaian kinerja pada tahun buku 2019 ini harus dilihat PermataBank’s FY 2019 performance needs to be taken in context,
sebagai hasil dari penerapan strategi bisnis dan inisiatif yang it being a continuation of the initiatives and business strategy
berkesinambungan yang dilakukan sejak tahun 2017, ketika introduced since 2017 when Mr. Suparno Djasmin and I became
Bapak Suparno Djasmin menjabat sebagai Wakil Komisaris Utama Vice President Commissioner and President Commissioner of
dan saya sebagai Komisaris Utama PermataBank. PermataBank respectively.
Tanpa dukungan kuat yang diberikan oleh pemegang saham, Without the strong support provided by its shareholders PT Astra
PT Astra International Tbk (Astra International) dan Standard International Tbk (Astra International) and Standard Chartered
Chartered Bank (Standard Chartered), titik balik dan pertumbuhan Bank (Standard Chartered), PermataBank’s turnaround and
PermataBank tak mungkin dapat terwujud. growth could not have happened.
Selama tiga tahun terakhir, PermataBank terus fokus untuk Over the last three years, PermataBank continued to focus on
memperkuat budaya tata kelola perusahaan, menumbuhkan strengthening its corporate governance culture, growing Retail
segmen Retail Banking dan membangun kembali bisnis Banking segments and reshaping the Wholesale Banking
Wholesale Banking, serta mengutamakan kebutuhan nasabah business, getting in front of customers’ needs and improving client
dan meningkatkan pengalaman nasabah melalui digitalisasi. experience through digitalization.
Penerapan inisiatif dan strategi bisnis yang baru memungkinkan The implementation of new initiatives and business strategy
PermataBank untuk memperkuat fundamental bisnis dan enabled PermataBank to strengthen its business fundamentals
mencapai kinerja keuangan yang sangat baik. and achieve its robust financial performance.
Pada tahun 2019, Dewan Komisaris dan Direksi terus melakukan In 2019, the Board of Commissioners and Board of Directors
penyesuaian dan mempertajam strategi bisnis untuk memperkuat continued to finetune and sharpen the business strategies
posisi PermataBank dan meningkatkan kinerja keuangannya. to strengthen PermataBank’s market position and financial
performance.
PERJANJIAN PEMBELIAN BERSYARAT SAHAM CONDITIONAL PURCHASE AGREEMENT OF

PERMATABANK PERMATABANK SHARES
Perjanjian penjualan saham PermataBank milik Astra International This year, it is expected that the agreement to sell PermataBank’s
dan Standard Chartered kepada Bangkok Bank Public Company shares owned by Astra International and Standard Chartered
Limited (Bangkok Bank) diharapkan dapat selesai di tahun ini. Bank to Bangkok Bank Public Company Limited (Bangkok Bank)
Penandatanganan Conditional Share Purchase Agreement will be completed. The signing of a Conditional Share Purchase
ini sudah dilakukan sejak Desember 2019. Namun demikian, Agreement was done in December 2019. Completion of this
penyelesaian transaksi ini masih harus memenuhi sejumlah transaction must meet a number of conditions precedent including
persyaratan pendahuluan termasuk persetujuan dari regulator di regulatory approvals applicable in Indonesia and Thailand.
Indonesia dan Thailand.


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Apabila transaksi dengan Bangkok Bank ini disetujui, saya percaya I am confident that if approved the transaction will find
PermataBank akan berada di tangan yang tepat, di mana selanjutnya PermataBank in the good hands of Bangkok Bank, which will
Bangkok Bank akan meneruskan peran Astra International dan continue the work of Astra International and Standard Chartered
Standard Chartered dalam mentransformasikan PermataBank in transforming PermataBank into one of the leading financial
menjadi salah satu lembaga keuangan terkemuka di Indonesia. institutions in Indonesia.
PENILAIAN ATAS KINERJA DIREKSI ASSESSMENT OF THE BOARD OF DIRECTORS’

PERFORMANCE
Direksi mampu mengeksekusi langkah-langkah untuk The Board of Directors continued to undertake steps to
meningkatkan kinerja keuangan dan efisiensi operasional improve PermataBank’s financial performance and operational
PermataBank. efficiency.
Non-performing loans (NPL) bruto menunjukkan tren yang Gross non-performing loans (NPLs) have shown a consistent
menurun secara konsisten sejak tahun 2017. Rasio NPL bruto turun decline since 2017. Gross NPL ratio fell to 2.8% as at December
menjadi 2,8% pada Desember 2019 dari 4,4% pada Desember 2019 from 4.4% as at December 2018. The multi-year decrease
2018. Tren penurunan ini terutama didukung oleh peningkatan highlighted the improvement in PermataBank’s assets quality and
kualitas aset dan profitabilitas PermataBank. Pada tahun 2019, profitability potential. In 2019, PermataBank’s profit after tax rose
laba setelah pajak PermataBank meningkat 66,5% menjadi Rp1,50 66.5% to Rp1.50 trillion from the previous year’s Rp0.90 trillion.
triliun dari Rp0,90 triliun pada tahun sebelumnya. Total pinjaman Total loans also rose 1.5% to Rp109.04 trillion.
(bruto) yang disalurkan tumbuh 1,5% menjadi Rp109,04 triliun.
PermataBank juga mencatat pertumbuhan dalam pinjaman PermataBank’s also registered growth in Shariah loans, both for
Syariah, baik untuk pelanggan komersial maupun individu, commercial and individual customers, through referral programs
terutama melalui program referral, serta inisiatif-inisiatif lainnya. among other initiatives.
Rasio Kecukupan Modal (KPMM) PermataBank mencapai 19,9% PermataBank’s Capital Adequacy Ratio (CAR) rose to 19.9% by
pada akhir tahun 2019, naik dari 19,4% pada tahun sebelumnya, the end of 2019 from 19.4% the previous year, higher than the
dan melebihi ketentuan minimum yang disyaratkan dalam minimum regulatory requirements.
peraturan terkait.
Didukung oleh upaya-upaya pengendalian biaya serta digitalisasi, Costs discipline and digitization helped reduce costs in relation to
rasio biaya operasional terhadap pendapatan operasional (BOPO) income as operational costs to operational income (BOPO) fell to
turun menjadi 87,0% di 2019, dari 93,4% tahun sebelumnya. 87.0% in 2019 from 93.4% the previous year. Net interest margins
Rasio Net Interest Margin (NIM) naik menjadi 4,4% di 2019 dari rose to 4.4% in 2019 from 4.1% the previous year, mainly as a
4,1% tahun sebelumnya, terutama sebagai hasil dari optimalisasi result of liability mix optimization.
bauran liabilitas.
Pada tahun 2019, PermataBank juga terus berinvestasi pada In 2019, PermataBank continued to invest in new technologies.
teknologi baru. Ini merupakan strategi PermataBank untuk Our strategy is to actively participate in the new digital economy
mengambil peran aktif dalam ekonomi digital yang baru, dan and be part of digital ecosystems in direct collaboration with
menjadi bagian dari ekosistem digital berkolaborasi dengan fintechs and new digital players. In this respect, we continue to
fintech dan pemain digital baru lainnya. Untuk itu, PermataBank support the development of digital banking, PermataMobile X,
terus mengembangkan perbankan digital, PermataMobile X, internet banking, and Application Programming Interface (API)
internet banking, dan perbankan Application Programming banking as part of PermataBank’s innovation roadmap.
Interface (API), sebagai bagian dari roadmap inovasinya.


Pada tahun 2019, Direksi juga memperkenalkan inisiatif In 2019, the Board of Directors introduced #MakingADifference
#MakingADifference untuk menumbuhkan semangat inovasi to foster an innovation spirit among PermataBankers to develop
di antara para PermataBankers untuk mengembangkan produk innovative products and services. New launches were aimed at
dan layanan yang inovatif. Peluncuran produk dan layanan baru providing customers with a simple, fast, and reliable experience.
ditujukan untuk memberikan pengalaman yang simple, fast and
reliable bagi para nasabah.
PENGAWASAN ATAS IMPLEMENTASI SUPERVISION OF THE BANK’S STRATEGY

STRATEGI BANK IMPLEMENTATION
Dewan Komisaris terus bekerja sama secara erat dengan Direksi The Board of Commissioners continued to work closely with the
dan PermataBankers. Kerja sama yang baik ini menghasilkan Board of Directors and PermataBankers. This close interaction has
kinerja keuangan PermataBank yang terus meningkat sejak tahun resulted in a continuation of the performance improvement that
2017. started in 2017.
Pada tahun 2019, Direksi menerapkan kebijakan strategis untuk In 2019, the Board of Directors implemented strategic policies to
fokus pada digitalisasi operasi serta produk dan layanan. Inovasi focus on the digitalization of operations as well as products and
digital tidak hanya membantu meningkatkan produktivitas dan services. Digital innovation not only helped increase productivity
efisiensi biaya tetapi juga meningkatkan pengalaman perbankan and cost efficiency but also enhanced customers’ banking
bagi nasabah. experience.
Dalam memperkenalkan kebijakan-kebijakan ini, prinsip kehati- In introducing these policies, prudence was key. During 2019,
hatian merupakan kunci. Selama tahun 2019, Dewan Komisaris the Board of Commissioners has closely supervised the risk
telah mengawasi dengan seksama kerangka kerja manajemen framework of PermataBank, ensuring the implementation of a
risiko PermataBank guna memastikan penerapan kerangka kerja robust Risk Appetite framework. The Board of Commissioners
Risk Appetite yang kuat. Dewan Komisaris telah memantau dan has monitored and recommended adjustments to relevant risk
merekomendasikan beberapa penyesuaian terhadap metrik risk appetite metrics to ensure alignment with the market conditions,
appetite yang relevan guna memastikan keselarasan dengan prevailing business strategy, and risk capacity.
kondisi pasar, strategi bisnis, dan kapasitas risiko bank.
MEKANISME PEMBERIAN NASIHAT KEPADA ADVISORY MECHANISM TO THE BOARD OF

DIREKSI DIRECTORS
Sesuai dengan ketentuan Otoritas Jasa Keuangan, Dewan As required by the Financial Services Authority, the Board
Komisaris secara berkala mengadakan rapat internal dalam of Commissioners held regular internal meetings to provide
rangka pengawasan kepada Direksi. Dewan Komisaris dan Direksi supervisory guidance to the Board of Directors. The Board of
juga membahas perkembangan PermataBank dan hal-hal lain, Commissioners and Board of Directors also discussed ongoing
termasuk strategi untuk meningkatkan pertumbuhan bank. development of PermataBank’s and matters including strategies
to enhance growth.
Pada tahun 2019, Dewan Komisaris telah menyelenggarakan In 2019, the Board of Commissioners conducted six internal
enam rapat internal yang dihadiri oleh para Komisaris. Dua belas meetings attended by the Commissioners. Twelve joint meetings
rapat gabungan antara Dewan Komisaris dan Direksi juga telah between the Board of Commissioners and the Board of Directors
dilaksanakan, di mana sembilan rapat gabungan dipimpin oleh were also held, with nine led by the Board of Commissioners and
Dewan Komisaris dan tiga rapat gabungan dipimpin oleh Direksi. three hosted by the Board of Directors. This significantly exceeded
Jumlah rapat Dewan Komisaris ini melebihi ketentuan minimum the Board of Commissioners’ minimum meeting requirement, as


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rapat Dewan Komisaris sebagaimana diatur di dalam Peraturan regulated in Financial Services Authority (OJK) Regulation No. 55/
Otoritas Jasa Keuangan (OJK) No. 55/POJK.03/2016 tentang POJK.03/2016 regarding Corporate Governance Implementation
Penerapan Tata Kelola Bagi Bank Umum. for Commercial Banks.
Dalam melaksanakan fungsinya, Dewan Komisaris dibantu oleh The committees under the Board of Commissioners also provided
sejumlah komite, yang bertugas memberikan masukan kepada input to support the Board of Commissioners’ supervision of the
Dewan Komisaris dalam rangka pengawasan terhadap penerapan Board of Directors.
strategi oleh Direksi.
PENILAIAN ATAS KINERJA KOMITE DI BAWAH BOARD OF COMMISSIONERS’ COMMITTEES

DEWAN KOMISARIS ASSESSMENT
Berdasarkan evaluasi Dewan Komisaris, komite-komite di bawah Based on the Board of Commissioners’ evaluation, the committees
Dewan Komisaris telah menjalankan tanggung jawabnya secara under the Board of Commissioners effectively carried out their
efektif dan berkontribusi bagi kinerja PermataBank. responsibilities and meaningfully contributed to PermataBank’s
performance.
Sepanjang tahun 2019, Komite Audit telah menyelenggarakan In 2019, the Audit Committee conducted 10 meetings,
10 rapat, melebihi ketentuan minimum frekuensi rapat yang significantly more than what was required by the regulators.
disyaratkan oleh regulator. Komite Audit telah melaksanakan The Audit Committee also performed its duties effectively and
tugas-tugasnya secara efektif dan independen. independently.
Pada tahun 2019, Komite Remunerasi dan Nominasi In 2019, the Remuneration and Nomination Committee
melaksanakan tujuh rapat, melebihi ketentuan minimum conducted seven meetings, exceeding the regulatory
frekuensi rapat yang disyaratkan oleh regulator. Komite requirements. The Remuneration and Nomination Committee
Remunerasi dan Nominasi membantu Dewan Komisaris antara assisted the Board of Commissioners, among others, in
lain dengan memberikan usulan kandidat dan rekomendasi the nominations of candidates and recommendations of
remunerasi yang sesuai bagi anggota Dewan Komisaris, appropriate remunerations of members of the Board of
Direksi, Dewan Pengawas Syariah, dan anggota independen Commissioners, the Board of Directors, Shariah Supervisory
untuk komite-komite di bawah Dewan Komisaris, serta Board, independent members of Board of Commissioners
melakukan pengawasan atas strategi remunerasi karyawan committees, as well as the overseeing of the overall employee
secara keseluruhan. remuneration strategies.
Komite Pemantau Risiko mengadakan 10 rapat pada tahun The Risk Monitoring Committee met 10 times in 2019 which is
2019, yang melebihi ketentuan minimum frekuensi rapat yang significantly more than the minimum regulatory requirement.
disyaratkan oleh regulator. Komite Pemantau Risiko secara The Risk Monitoring Committee actively supported the Board of
aktif membantu Dewan Komisaris antara lain dalam melakukan Commissioners, among others, in its oversight of PermataBank’s
pengawasan atas aspek manajemen risiko di PermataBank. risk management. The Risk Monitoring Committee performed
Komite Pemantau Risiko telah melakukan fungsinya secara efektif. effectively in its capacity.
Komite Tata Kelola Terintegrasi juga telah berfungsi dengan baik The Integrated Governance Committee also performed well in
dalam mendukung Dewan Komisaris PermataBank, sebagai providing support to the Board of Commissioners, as the Lead
Entitas Utama, untuk mengawasi implementasi Peraturan Tata Entity to supervise the implementation of Integrated Governance
Kelola Terintegrasi dalam Konglomerasi Keuangan Grup Astra. Regulation in the Financial Conglomeration of Astra Group.


PROSPEK USAHA BUSINESS OUTLOOK

Berdasarkan konsensus para ekonom, pertumbuhan ekonomi Based on economist consensus, Indonesia’s economic
Indonesia pada tahun 2020 diperkirakan akan tetap tangguh, growth in 2020 is expected to remain resilient, supported
didukung oleh daya beli yang kuat dan aktivitas investasi by solid purchasing power and recovery investment which
yang membaik yang berdampak positif pada pendapatan dan positively impact on personal income and consumption, and
konsumsi masyarakat, dan pada gilirannya akan meningkatkan in turn demand for financial services. For that, the Board of
permintaan terhadap layanan keuangan. Oleh karena itu, Dewan Commissioners supports the Management’s business strategy
Komisaris mendukung strategi bisnis Manajemen untuk fokus to focus on individual consumers and the small and medium
pada konsumen individu dan segmen Small Medium Enterprise/ business segment (Small Medium Enterprise/SME Banking).
SME Banking.
Pada tahun 2020, PermataBank berencana untuk mengejar In 2020, PermataBank plans to pursue growth of assets and third-
pertumbuhan aset dan dana pihak ketiga dengan cara yang party funds in a prudent and sustainable manner and work towards
hati-hati dan berkelanjutan serta berupaya mencapai tujuannya its goal of becoming the “Bank of Choice” for the segments that
untuk menjadi “Bank Pilihan” pada segmen yang menjadi fokus we participate in.
PermataBank.
Meskipun saat ini masih terlalu dini untuk memprediksi dampak While it is too early to predict the impact of COVID-19 on Indonesia,
COVID-19 terhadap Indonesia, PermataBank tetap waspada dan PermataBank remains vigilant and will continue to monitor the
akan terus memantau situasi dengan seksama sehingga dapat situation closely so as to implement the necessary measures, if
menerapkan langkah-langkah yang diperlukan. and when required.
PermataBank juga akan tetap waspada terhadap dampak PermataBank will also remain vigilant to any economic impact
ekonomi akibat perang dagang yang berlarut-larut antara Amerika from the protracted US-China trade war and impose proactive
Serikat dan Tiongkok serta mengambil langkah-langkah proaktif counter measures as needed.
yang dibutuhkan.
Atas semua keputusan PermataBank, Dewan Komisaris akan terus In all the decisions that PermataBank makes, the Board of
fokus pada manajemen risiko yang efektif. Di bawah pengawasan Commissioners continues to focus on effective risk management.
Dewan Komisaris, manajemen risiko dengan prinsip kehati-hatian Under the supervision of the Board of Commissioners, prudent risk
telah tertanam menjadi bagian dari budaya di PermataBank. management has become embedded in PermataBank’s culture.
TATA KELOLA PERUSAHAAN CORPORATE GOVERNANCE

Dewan Komisaris percaya bahwa Tata Kelola Perusahaan yang The Board of Commissioners believes that Good Corporate
Baik (Good Corporate Governance/GCG) adalah kunci untuk Governance (GCG) is key to building a sustainable business and
membangun bisnis yang berkelanjutan dan mencapai kinerja achieving healthy financial performance.
keuangan yang sehat.


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Manajemen senantiasa berkomitmen untuk melaksanakan audit The Management continues to be committed to providing
yang berkualitas dan menindaklanjuti temuan auditor internal quality audit and following up on internal and external auditors’
dan eksternal. Pada tahun 2019, Direksi meluncurkan program findings. The Board of Directors in 2019 launched new programs
dan kebijakan internal yang baru untuk meningkatkan tata kelola. and internal policies to improve governance. These initiatives
Inisiatif ini merujuk pada praktik terbaik dan peraturan GCG referenced the latest GCG best practices and regulations in the
terbaru di industri perbankan. banking industry.
Keputusan-keputusan yang ditetapkan dalam Rapat Umum Resolutions by the General Meeting of Shareholders (GMS) were
Pemegang Saham (RUPS) juga telah ditindaklanjuti. also followed up.
SISTEM PELAPORAN PELANGGARAN WHISTLEBLOWING SYSTEM

Penerapan sistem pelaporan pelanggaran (whistleblowing system/ The application of the whistleblowing system (WBS) is one of the
WBS) merupakan salah satu elemen penting dalam pelaksanaan important elements of GCG. WBS, known as “Speak-Up” within
GCG. WBS di PermataBank dikenal dengan nama “Speak-Up,” PermataBank, provides a safe space for employees to voice out
yang merupakan sarana yang aman bagi para karyawan untuk and help maintain a work environment that is free of fraud.
menyampaikan pengaduan dan membantu menjaga lingkungan
kerja agar terbebas dari tindak kecurangan (fraud).
Penerapan WBS sejalan dengan nasihat Dewan Komisaris bahwa The application of WBS is in line with the Board of Commissioners’
Manajemen harus menerapkan prinsip-prinsip kepatuhan dan counsel that the Management should apply the principles of
kode etik perusahaan dalam praktik bisnis setiap saat. business practice compliance at all times.
Dewan Komisaris menyadari bahwa tindak lanjut yang tepat dari The Board of Commissioners understands that proper follow-up
kasus-kasus yang dilaporkan adalah kunci keefektifan WBS dan of reported cases is key to the effectiveness of WBS and continue
Dewan Komisaris akan senantiasa memantau penerapan WBS di to monitor the implementation of WBS in PermataBank.
PermataBank.
Bagi Dewan Komisaris, WBS lebih dari sekedar sebuah sistem For the Board of Commissioners, the WBS system is more than
pelaporan, namun juga berfungsi sebagai pengingat bagi seluruh just a reporting channel. It also serves as an important reminder to
PermataBankers untuk tidak melakukan tindak kecurangan PermataBankers to not commit fraud.
(fraud).
TANGGUNG JAWAB SOSIAL PERUSAHAAN CORPORATE SOCIAL RESPONSIBILITY

Dewan Komisaris mendukung komitmen PermataBank terhadap The Board of Commissioners is supportive of PermataBank’s
program tanggung jawab sosial perusahaan (Corporate Social commitment to its Corporate Social Responsibility (CSR) program.
Responsibility/CSR). Inisiatif CSR PermataBank berfokus PermataBank’s CSR initiatives focus on financial literacy and
pada literasi keuangan dan mendorong keterlibatan karyawan engage its employees to actively participate in making an impact
untuk berpartisipasi aktif dalam memberikan dampak kepada on the wider community.
masyarakat luas.


Contohnya adalah kepedulian PermataBank terhadap komunitas An example of this is PermataBank’s concern for people with
penyandang disabilitas. PermataBank tidak hanya menawarkan disabilities. The Bank not only offers them training programs, but
program pelatihan, tetapi juga menawarkan lapangan kerja bagi also offers employment to people with disabilities.
para penyandang disabilitas.
Selain itu, PermataBank juga melakukan kegiatan CSR bersama In addition, PermataBank also carried out CSR activities together
dengan regulator, nasabah dan media untuk memberikan dampak with regulators, customers and the media to create positive impact
positif di masyarakat tempat PermataBank beroperasi. Kegiatan- in the communities in which it operates. These activities further
kegiatan ini tentu semakin meningkatkan keterlibatan dan leverage the Bank’s engagement and relationships with these key
hubungan PermataBank dengan para pemangku kepentingan stakeholders.
utama PermataBank.
Dewan Komisaris juga menganggap Serikat Pekerja Bank Permata The Board of Commissioners also considers PermataBank’s
(SPBP) merupakan bagian penting dari interaksi karyawan. Workers Union to be an important part of employee interaction.
Kami juga mendukung kerja sama yang berkesinambungan And we encourage the Management to continue working with the
antara Manajemen dan SPBP demi kesejahteraan semua Workers Union for the wellbeing of all PermataBankers.
PermataBankers.
PERUBAHAN KOMPOSISI DEWAN KOMISARIS CHANGES IN THE BOARD OF

COMMISSIONERS COMPOSITION
Pada tahun 2019 tidak terdapat perubahan dalam komposisi In 2019 there was no change in the composition of the Board of
Dewan Komisaris PermataBank. Komposisi Dewan Komisaris Commissioners in PermataBank. Through the end of the financial
sampai dengan akhir tahun buku adalah sebagai berikut: year, the composition of the Board of Commissioners is as follows:
Komisaris Utama : Sebastian Ramon Arcuri President Commissioner : Sebastian Ramon Arcuri
Wakil Komisaris Utama : Suparno Djasmin Vice President Commissioner : Suparno Djasmin
Komisaris Independen : David Allen Worth Independent Commissioner : David Allen Worth
Komisaris Independen : Haryanto Sahari Independent Commissioner : Haryanto Sahari
Komisaris Independen : Zulkifli Zaini Independent Commissioner : Zulkifli Zaini
Komisaris Independen : Rahmat Waluyanto Independent Commissioner : Rahmat Waluyanto
Komisaris : Mark Spencer Greenberg Commissioner : Mark Spencer Greenberg
Komisaris : Ian Charles Anderson Commissioner : Ian Charles Anderson


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APRESIASI APPRECIATION
Mewakili Dewan Komisaris, saya ingin mengucapkan terima On behalf of the Board of Commissioners, I would like to thank the
kasih kepada seluruh jajaran Direksi dan semua karyawan atas Board of Directors and all employees for their dedication and hard
dedikasi dan kerja kerasnya, serta kepada pemegang saham, work, as well as all shareholders, stakeholders, and customers for
pemangku kepentingan dan seluruh nasabah atas dukungan dan their continued trust and support in PermataBank.
kepercayaan mereka terhadap PermataBank.
Apresiasi setinggi-tingginya juga kami sampaikan kepada Our appreciation also goes to the regulators, who provided
para regulator, atas arahan dan pengawasan independen yang PermataBank with ongoing independent guidance and
diberikan kepada PermataBank. supervision.
Dewan Komisaris berkomitmen untuk bekerja sama dengan The Board of Commissioners is committed to working together
Direksi, pemangku kepentingan dan regulator untuk menerapkan with the Board of Directors, the Bank’s stakeholders and the
strategi dan mencapai tujuan PermataBank pada tahun 2020 dan regulators to deliver PermataBank’s strategy and objectives for
di masa yang akan datang. 2020 and beyond.
Pondasi stabil dan kokoh yang telah kami bangun untuk The strong foundation that we have built for PermataBank over the
PermataBank dalam beberapa tahun terakhir akan mampu past few years will put us in good stead to undertake activities to
menempatkan PermataBank di posisi yang baik sehingga dapat achieve further growth and success.
melaksanakan kegiatan-kegiatan bisnis untuk terus tumbuh dan
mencapai kesuksesan.

Komisaris Utama

Dewan
Komisaris
Mark Spencer Greenberg David Allen Worth Suparno Djasmin Rahmat Waluyanto
Komisaris Komisaris Independen Wakil Komisaris Utama Komisaris Independen
Commissioner Independent Commissioner Vice President Commissioner Independent Commissioner

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Ian Charles Anderson Sebastian Ramon Arcuri Haryanto Sahari Zulkifli Zaini
Komisaris Komisaris Utama Komisaris Independen Komisaris Independen
Commissioner President Commissioner Independent Commissioner Independent Commissioner
Laporan
Direksi
P encapaian kinerja PermataBank yang

sangat baik di tahun 2019 merupakan
kombinasi dari berbagai upaya dan kedisiplinan
untuk menjaga kualitas aset yang sehat, biaya
operasional yang efisien, mempertahankan rasio
Non-Performing Loan (NPL) di bawah ketentuan
regulator, serta tentunya inovasi layanan yang
berkelanjutan terutama melalui digitalisasi.
The phenomenal achievement of PermataBank was a

combination of our persistent efforts and discipline in
maintaining healthy asset quality, efficient operating costs,
keeping the Non-Performing Loan (NPL) ratio below
regulatory provisions, as well as continuous innovation
breakthrough in our products and services especially
through digitalization.


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Ridha DM Wirakusumah
Direktur Utama
President Director

Laporan Direksi
Para pemegang saham dan pemangku kepentingan yang Dear shareholders and stakeholders,
terhormat,
Salam sejahtera kami sampaikan, semoga kita selalu dalam Greetings and best wishes to all of us, may we always in God
kebaikan dan bimbingan Tuhan Yang Maha Esa. Almighty’s kindness and guidance.
Perjalanan bisnis PermataBank pada tahun 2019 merupakan PermataBank’s business in 2019 was a continuation journey of
kesinambungan dari tahun-tahun sebelumnya, setidaknya dalam dua the previous years. In 2017, PermataBank’s focus was primarily
tahun terakhir. Pada tahun 2017, fokus PermataBank terutama pada on improving its credit performance and corporate governance.
perbaikan kinerja kredit dan tata kelola perusahaan. Tahun berikutnya, While PermataBank continued to focus on these two areas in
dua hal utama tersebut masih tetap berjalan, namun PermataBank juga 2018, it also focused on strengthening its fundamentals, such as
fokus memperkuat fundamental, seperti operasional, teknologi, dan operations, technology and others.
lainnya.
Di penghujung tahun, PermataBank telah menyampaikan At the end of the year, PermataBank had conveyed disclosure of
keterbukaan informasi mengenai penandatanganan Perjanjian information regarding the signing of a Conditional Share Purchase
Pembelian Saham Bersyarat terkait rencana Bangkok Bank Agreement, related to Bangkok Bank’s plan to acquire Astra
untuk mengakuisisi kepemilikan saham Astra International dan International’s and Standard Chartered’s share of ownership in
Standard Chartered di PermataBank pada tanggal 12 Desember PermataBank on 12 December, 2019. Bangkok Bank will become
2019. Bangkok Bank akan menjadi pemilik mayoritas dengan the majority owner by controlling 89.12% of PermataBank’s shares
menguasai 89,12% saham PermataBank setelah persyaratan after the requirements, including regulations that are applicable in
yang ada termasuk regulasi yang berlaku baik di Indonesia Indonesia and Thailand, are completed.
maupun Thailand diselesaikan.
Selanjutnya pada tahun 2019, PermataBank menjalankan semangat In 2019, PermataBank carried out #MakingADifference spirit
#MakingADifference untuk terus berinovasi di seluruh lini bisnis to continuously innovate in all business lines in order to realize
yang ada guna mewujudkan aspirasi sebagai Bank yang simple, our aspirations to become a simple, fast, and reliable Bank.
fast and reliable. PermataBank fokus memprioritaskan strategi PermataBank focused on prioritizing a sustainable growth
pertumbuhan yang berkesinambungan melalui fundamental strategy through strong business fundamentals, while continuing
bisnis yang kuat dengan tetap menjaga pelaksanaan tata kelola to implement corporate governance and prudent principles in
perusahaan dan tingkat kehati-hatian dalam pemberian kredit. lending.
KONDISI UMUM GENERAL CONDITIONS

Sepanjang tahun 2019, industri perbankan diliputi oleh kondisi Throughout 2019, the banking industry was affected by worldwide
perekonomian dunia yang sedang mengalami perlambatan. economic slowdown. This dynamic has an impact on declining
Dinamika tersebut berdampak pada menurunnya harga komoditas global commodity prices, thereby lowering export performance
global, sehingga menekan kinerja ekspor dan prospek investasi and the investment prospects in developing countries, including
negara-negara berkembang, termasuk Indonesia. Kondisi ini Indonesia. Such conditions greatly influenced the performance of
memberikan pengaruh besar bagi kinerja perekonomian nasional, the national economy, though it still remained relatively stable as it
walaupun masih relatif stabil lantaran ditopang konsumsi rumah supported by solid household consumption 5.04%.
tangga yang solid yaitu pada 5,04%.
Merespons perlambatan ekonomi global, sepanjang tahun 2019 In response to the global economic slowdown, throughout 2019,
Bank Indonesia (BI) telah melonggarkan kebijakan moneter Bank Indonesia (BI) had relaxed its monetary policy by lowering


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dengan menurunkan suku bunga BI 7-Day Reverse Repo Rate the BI 7-Day Reverse Repo Rate (BI7DRR) by 100 bps, from
(BI7DRR) sebesar 100 bps, dari 6,00% di awal tahun hingga 6.00% at the beginning to 5.00% at the end of the year. BI had
menjadi 5,00% di akhir tahun 2019. BI juga menurunkan suku also lowered the Deposit Facility interest rate by 25 bps to 4.25%,
bunga Deposit Facility sebesar 25 bps, menjadi 4,25%, dan suku and the Lending Facility interest rate by 25 bps to 5.75%, in order
bunga Lending Facility sebesar 25 bps menjadi 5,75% guna to maintain domestic economic growth momentum.
mempertahankan momentum pertumbuhan ekonomi domestik.
Kinerja industri perbankan sendiri tetap solid di tahun 2019 di Banking industry’s performance remained solid in 2019, where
mana rasio pemodalan (CAR) mencapai 23,4% lebih tinggi dari Capital Adequacy Ratio (CAR) reached 23.4% higher than 2018
2018 dan Non Performing Loan (NPL) terlihat stabil di kisaran and Non-Performing Loans (NPL) was stable at 2.5% or 1.2%
2,5% atau net 1,2%. Sementara itu pertumbuhan kredit terus net. Meanwhile, credit growth keeps improving, especially in
tumbuh membaik khususnya di kredit investasi yang mencapai investment credit which reached 13.18%, even though overall
13,18% meskipun secara keseluruhan pertumbuhan kredit hanya credit growth was only 6.08% at the end of 2019, lower than
mencapai 6,08% di akhir 2019 lebih rendah dibandingkan tahun last year which was 11.7%. From the liquidity standpoint, Loan
lalu yaitu 11,7%. Dari sisi likuiditas, Loan to Deposit Ratio mencapai to Deposit Ratio (LDR) reached 93.6%. This domestic financial
93,6%. Stabilitas keuangan domestik inilah yang telah menopang stability had supported banking industry’s positive climate in the
iklim positif industri perbankan di tengah tantangan global. midst of global challenges.
STRATEGI DAN KEBIJAKAN STRATEGIS 2019 2019 STRATEGIES AND STRATEGIC POLICIES
Di tengah kondisi yang penuh tantangan, PermataBank tetap Amid challenging conditions, PermataBank continued to strive to
berupaya untuk memberikan solusi keuangan dan layanan yang provide financial solutions and innovative financial services based
inovatif sesuai kebutuhan pelanggan, yang berfokus pada: on customer needs, which focused on:
1. Membangun kapabilitas keuangan, melalui peningkatan kinerja 1. Building financial capabilities, by increasing performance
dengan terus melakukan kemitraan strategis dari berbagai through entering several strategic partnerships with
industri, seperti telekomunikasi, penerbangan, sekuritas, BUMN various industries, such as telecommunications, aviation,
dan finansial teknologi (fintech) guna meningkatkan portfolio securities, State-Owned Enterprises (SOEs) and financial
aset dimana PermataBank membukukan pertumbuhan aset technology (fintech) in order to increase asset portfolio, where
Good Book sebesar 8,5%, lebih tinggi dibandingkan industri PermataBank recorded good-book asset growth of 8.5%,
(6,08%). Seiring pertumbuhan bisnis ini, PermataBank juga fokus higher than industry’s (6.08%). Along with this business
dalam mengelola biaya operasional dengan terus melakukan growth, PermataBank also focused on managing operational
perbaikan proses menjadi lebih simple, fast and reliable, yang costs by continuously performing process enhancement
juga berdampak kepada pengalaman customer yang lebih baik to become simple, fast and reliable, which also positively
(better customer experience). Selain itu, PermataBank terus impacted customer experience. Aside from that, Permatabank
melakukan pengendalian risiko secara berkesinambungan, continued to implement risk management, both from the
baik dari sisi kredit maupun operasional. Pengelolaan biaya credit and operational sides. This management of operational
operasional dan pengendalian risiko ini tercermin dari perbaikan costs and risks was reflected in the significant improvement of
BOPO yang signifikan menjadi 87,0% dari 93,4% di tahun 2018. BOPO to 87.0% from 93.4% in 2018.
2. Membangun sinergi dengan Pemegang Saham Utama, melalui 2. Building synergy with Main Shareholders, by deepening
peningkatan kualitas hubungan bisnis dengan menawarkan business relationships through offering a variety of products
produk dan layanan yang beragam yang sesuai kebutuhan and services that suit the needs of shareholder and its
shareholder dan ekosistemnya, yang tercermin dari peningkatan ecosystem, which was reflected from the growth of supplier
penyaluran kredit sebesar 13,0% dari tahun sebelumnya. and distributor financing of 13,0% from the previous year.

Laporan Direksi
3. Membangun enablers untuk menjadi bank yang simple, fast 3. Building enablers to become simple, fast and reliable bank.
and reliable. Salah satunya adalah dengan melanjutkan digital This included continuing digital roadmap, PermataBank had
roadmap, di mana PermataBank berhasil mengembangkan successfully developed API banking and PermataMobile X,
API banking, PermataMobile X dan memperbaharui situs revamped PermataBank.com website. In 2019, PermataBank
web PermataBank.com. Di tahun 2019, PermataBank juga launched a new model branch, which was fully digital and
telah membuka model cabang baru yang serba digital serta more efficient. Aside from that, PermataBank had also
melakukan digitalisasi untuk proses yang lebih efisien. Selain prioritized prudent principles in order to maintain good quality
itu, PermataBank juga terus mengedepankan prinsip kehati- assets, which resulted in decreasing PermataBank’s NPL
hatian untuk menjaga kualitas aset yang sehat, sehingga coverage ratio to 132.7%, from 176.2% in 2018.
PermataBank berhasil menurunkan NPL Coverage ratio ke
angka 132,7%, dari 176,2% di tahun 2018.
KINERJA USAHA 2019 2019 PERFORMANCE

Kinerja keuangan PermataBank sepanjang tahun 2019 PermataBank’s financial performance for the full year 2019
menunjukkan perbaikan secara signifikan, ditandai dengan showed significant improvement, noting Profit After Tax growth of
pertumbuhan laba bersih setelah pajak sebesar 66,5% menjadi 66.5% to Rp1.50 trillion and NPL gross ratio down from 4.4% at the
Rp1,50 triliun dan penurunan rasio NPL bruto dari 4,4% di end of 2018 to 2.8% by end of 2019. This proved PermataBank’s
akhir tahun 2018 menjadi 2,8% di akhir tahun 2019. Hal ini success in increasing profitability, supported by business income
membuktikan keberhasilan PermataBank dalam meningkatkan and asset quality that continued to improve.
profitabilitas yang ditopang pendapatan usaha serta kualitas aset
yang terus membaik.
Pencapaian kinerja yang sangat baik di 2019 merupakan This phenomenal achievement was a combination of our
kombinasi dari berbagai upaya dan kedisiplinan untuk menjaga persistent efforts and discipline in maintaining healthy asset
kualitas aset yang sehat, biaya operasional yang efisien, quality, efficient operating costs, keeping the NPL ratio
mempertahankan rasio NPL di bawah ketentuan regulator, serta below regulatory provisions, as well as continuous innovation
tentunya inovasi layanan yang berkelanjutan terutama melalui breakthrough in our products and services especially through
digitalisasi. digitalization.
Kualitas aset terus meningkat lebih sehat, rasio NPL gross dan Asset quality strongly improved. Gross NPL and net NPL ratio
NPL net di Desember 2019 membaik secara signifikan ke level in December 2019 significantly improved to 2.8% and 1.3%
2,8% dan 1,3% dibandingkan Desember 2018 sebesar 4,4% dan compared to December 2018 of 4.4% and 1.7%, followed
1,7%, diikuti oleh pertumbuhan kredit yang sehat (good book) by the good-book growth which increased by 8.5%. Credit
sebesar 8,5%. Pertumbuhan kredit dilakukan secara selektif growth was prudently managed by prioritizing asset quality in
dengan mengutamakan kualitas aset sesuai dengan kerangka accordance with credit risk management framework. In addition,
kerja manajemen risiko kredit yang lebih pruden. Selain itu, posisi PermataBank’s capital position continued to increase and was
permodalan PermataBank juga terus meningkat dan terjaga kuat, strongly maintained, as shown in Capital Adequacy Ratio (CAR)
tercermin pada angka pencapaian Capital Adequacy Ratio (CAR) at the end of December 2019 of 19.9%, compared to 19.4% in the
di akhir Desember 2019 sebesar 19,9%, dibandingkan 19,4% same period last year.
pada periode yang sama tahun lalu.
Keberhasilan ini juga tercermin pada kenaikan imbal hasil aset This success is reflected in the increasing Return on Asset (ROA)
(Return on Asset – ROA) dari 0,8% di tahun 2018 menjadi 1,3% di from 0.8% in 2018 to 1.3% in 2019, along with the increasing
tahun 2019, serta kenaikan imbal hasil ekuitas (Return on Equity Return on Equity (ROE) from 5.0% in 2018 to 7.2% in 2019. This


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– ROE) yang signifikan dari 5,0% di tahun 2018 menjadi 7,2% di achievement can also be partly contributed from the increase in
tahun 2019. Pencapaian ini juga sebagian dapat dikontribusikan dari Net Interest Margin (NIM) from 4.1% last year to 4.4% in 2019.
peningkatan marjin bunga bersih (Net Interest Margin – NIM) dari
4,1% tahun lalu menjadi 4,4% di tahun 2019.
PERBANDINGAN TARGET DAN REALISASI COMPARISON OF TARGETS AND

ACHIEVEMENTS
Di tahun 2019, PermataBank telah menetapkan target usaha terkait In 2019, PermataBank had established business targets related to
dengan laba, penyaluran kredit, NPL, dan indikator-indikator lain earnings, loan distribution, NPL, and other indicators as deemed
yang dianggap penting. essential.
Pencapaian laba PermataBank sebelum pajak di tahun 2019 adalah PermataBank’s profit before tax in 2019 had increased 64.9%
sebesar Rp2,01 triliun, meningkat 64,9% dibandingkan pencapaian to Rp2.01 trillion compared to Rp1.22 trillion in 2018, in line with
di tahun 2018 sebesar Rp1,22 triliun, sejalan dengan target yang the target that has been set. This achievement was supported by
telah ditetapkan. Pencapaian tersebut didukung oleh pertumbuhan growth in good-book assets, improvement in asset quality and
aset good-book, peningkatan kualitas aset serta pengelolaan biaya controlled cost management.
yang terkontrol.
Rasio BOPO per Desember 2019 sebesar 87,0%, lebih baik 30 bps BOPO ratio in December 2019 had improved 30 bps to 87.0%,
dari target yang telah ditetapkan dan jauh lebih baik dari realisasi above the target that we had set at 87.3% and was a significant
BOPO 2018 sebesar 93,4%. Hal ini merupakan hasil dari disiplin usaha improvement compared to the 93.4% realization of BOPO in 2018.
berkesinambungan PermataBank untuk terus melakukan pengelolaan This is the result of PermataBank’s continuous efforts to manage
biaya serta pengelolaan aset dan kewajiban yang lebih baik. costs more efficiently, and to manage assets and liabilities better.
Komitmen manajemen untuk terus memperbaiki kualitas kredit Management’s commitment to improve credit quality was shown
terlihat dengan adanya perbaikan kualitas aset secara signifikan. by significant improvement in asset quality. NPL ratio was 130 bps
Tingkat NPL lebih baik 130 bps dari target yang telah ditetapkan. better than the set target.
PermataBank juga mampu menjaga struktur neraca yang lebih sehat PermataBank was also able to maintain a healthier balance sheet
di tengah persaingan likuiditas yang cukup ketat terlihat dari rasio structure, amid tight liquidity competition, which was shown by
CASA yang meningkat dari 48,3% di tahun 2018 menjadi 50,7%; an increase in CASA ratio from 48.3% in 2018 to 50.7%, broadly
sejalan dengan target yang ditetapkan. Ke depannya, PermataBank aligned with the set target. Moving forward, PermataBank will
akan terus menumbuhkan CASA untuk mempertahankan rasio continue to increase CASA in order to maintain a healthy liquidity
likuiditas yang sehat. ratio.
TANTANGAN DAN UPAYA MITIGASI CHALLENGES AND MITIGATION EFFORTS

Perjalanan bisnis tahun 2019 tidak dapat dipisahkan dari tantangan PermataBank encountered a number of challenges in 2019.
yang dihadapi PermataBank. Merespons perlambatan ekonomi global Responding to the global economic slowdown that had impacts
yang berimbas ke dalam negeri, sepanjang tahun 2019 Bank Indonesia domestically, Bank Indonesia (BI) lowered the Deposit Facility
(BI) menurunkan suku bunga Deposit Facility sebesar 25 bps, menjadi interest rate by 25 bps to 4.25%, and the Lending Facility interest
4,25%, dan suku bunga Lending Facility sebesar 25 bps menjadi rate by 25 bps to 5.75%. The central bank’s policy exposed the
5,75%. Kebijakan Bank Sentral tersebut membuat sektor perbankan banking sector to a potential slowing down of net interest margins
berpotensi menghadapi tren perlambatan marjin bunga bersih akibat due to the adjustment of deposit interest rates, which was
perbedaan waktu antara penyesuaian suku bunga simpanan yang relatively faster than the adjustment of loan interest rates.
relatif lebih cepat daripada penyesuaian suku bunga pinjaman.

Laporan Direksi
Rasio NPL bruto perbankan cenderung mengalami peningkatan Until November 2019, NPL gross ratio for banking industry
di November 2019 sebesar 2,8% dibandingkan 2,4% di tahun experienced an increase of 2.8% on average, compared to 2.4%
2018. Sementara pada tahun 2019, PermataBank justru berhasil in 2018. Meanwhile in 2019, PermataBank was able to improve its
memperbaiki NPL bruto menjadi sebesar 2.8% dibandingkan NPL gross NPL to 2.8% from 4.4% in 2018.
bruto di tahun 2018 yaitu 4,4%.
Selain itu, maraknya perusahaan fintech telah mempengaruhi perilaku Additionally, the rise of fintech companies had influenced
konsumer untuk semakin terbiasa melakukan transaksi secara digital. customer behaviour to become more accustomed to digital
Menanggapi ini, PermataBank fokus untuk meningkatkan produk transactions. In response, PermataBank set its focus to increase
yang sesuai dengan kebutuhan nasabah dan mendorong inisiatif products that suit customers’ needs and drive initiatives to
untuk memoderinisasi proses digital demi memberikan layanan yang modernize digital processes in order to provide simple, fast and
simple, fast and reliable bagi nasabah. Di saat yang bersamaan, reliable services for customers. At the same time, PermataBank
PermataBank melihat perkembangan fintech sebagai peluang untuk sees fintech development as an opportunity to seize bigger
meraih potensi pasar yang lebih besar melalui kolaborasi. market share through collaboration.
PROSPEK USAHA 2020 2020 BUSINESS PROSPECT

Ekonomi global diperkirakan masih akan terus melambat pada tahun The global economy is expected to continue slowing down in
2020. Ketegangan perang dagang antara AS dan Tiongkok serta 2020. The tension associated with the trade war between the US
isu geopolitik lainnya diperkirakan masih menjadi kontributor utama and China, and other geopolitical issues, is expected to become
perlambatan ekonomi dunia di masa mendatang, sehingga dapat major contributors to a future global economic slowdown, thus
mempengaruhi kinerja ekspor-impor Indonesia dan penanaman affecting Indonesia’s export-import performance. In addition,
modal asing. Selain itu, virus COVID-19 yang bermula dari negara COVID-19 virus that originated in China and has spread to a
Tiongkok dan sudah menyebar ke sejumlah negara diperkirakan number of countries is also expected to affect the global economy,
juga berpengaruh terhadap ekonomi global, termasuk Indonesia. including Indonesia.
Sektor keuangan, khususnya perbankan, tentu harus waspada The financial sector, particularly in banking, needs to observe the
memperhatikan bagaimana kesiapan industri keuangan untuk readiness of the financial industry to deal with the worst challenges.
menghadapi tantangan. Oleh karena itu, OJK memperkirakan kinerja Due to this, OJK estimated that banking industry performance will
perbankan tumbuh di kisaran 11±1%, dengan tingkat risiko tetap grow in the 11±1% range, with risk level maintained at a low level.
terjaga rendah. OJK menargetkan ekspansi kredit sebesar 10% di OJK aims to expand credit by 10% in 2020. Meanwhile, Third
tahun 2020. Sementara DPK diproyeksikan tumbuh 8,4%, karena Party Funds (TPF) is projected to grow 8.4% in 2020 because of
persaingan yang lebih ketat, baik dari sesama perbankan, fintech tightening competition, both from other banks and fintech, as well
maupun beralihnya investasi nasabah kepada instrumen lainnya. as the shift of customers’ investment to other instruments.
Dari sisi regulasi, penerapan Pernyataan Standar Akuntansi In terms of regulation, the adoption of the Accounting Standards
(PSAK) 71 yang dimulai awal 2020 akan berdampak terhadap Statement (PSAK) 71 in early 2020 will have an impact on bank
kinerja perbankan untuk terus menjaga tingkat prudensialnya performance. The set standards will require banks to maintain
dalam mendapatkan nasabah baru maupun dalam menjaga their prudent principles when obtaining new customers and
kinerja nasabahnya saat ini. maintaining the performance of its existing customers.
Menghadapi beragam tantangan tersebut, PermataBank akan To deal with these challenges, PermataBank will continue
terus melanjutkan dan memperkuat strategi yang telah ditetapkan and strengthen the strategy that has been set in the previous
di tahun sebelumnya. Dalam hal ini, PermataBank akan terus- year. Regarding this, PermataBank will continue to improve
menerus memperbaiki dan memperkuat profil dan manajemen and strengthen its risk management profile, particularly in
risiko, terutama risiko kredit dan risiko operasional dengan tetap relation to credit risk and operational risk while still considering


Main Highlights
Management Reports
Company Profile
Risk Management
Operational Review
memperhatikan kebutuhan pertumbuhan bisnis PermataBank PermataBank’s business growth target and prioritizing customer
serta tetap mengutamakan customer experience. Secara internal, experience. Internally, PermataBank will continue to promote
PermataBank akan melakukan penerapan budaya perusahaan strong corporate culture, human resource development programs,
yang kuat, program pengembangan sumber daya manusia, and opportunities to improve organizational effectiveness.
serta peluang untuk meningkatkan efektivitas. Terkait dampak Regarding the impact of the spread of the COVID-19 virus, even
penyebaran virus COVID-19, meski terlalu dini, PermataBank akan though it is too early, PermataBank will continue to monitor its
tetap memonitor perkembangannya. development.
PENERAPAN MANAJEMEN RISIKO IMPLEMENTATION OF RISK MANAGEMENT

Memiliki manajemen pengelolaan risiko yang baik merupakan Risk management is a fundamental element of the banking
elemen dasar yang sangat penting dalam kegiatan usaha business, considering that banking is a highly regulated and
perbankan, mengingat perbankan merupakan industri yang relatif relatively risk-sensitive industry. Risk management assists the
sensitif dari risiko dan terikat dengan pengaturan yang ketat Bank in promoting and maintaining a sustainable business
(highly regulated). Pengelolaan risiko yang baik membantu dalam performance.
menjaga dan mendorong kinerja usaha yang berkelanjutan.
Karena itu, PermataBank senantiasa meningkatkan kualitas With regard to the above, PermataBank strives to improve the
pengelolaan manajemen risiko sejalan dengan perkembangan quality of its risk management in line with the development of
regulasi dan praktik bisnis terbaik (best practices). Pengelolaan regulations and best practices. Risk management is implemented
manajemen risiko dilakukan dengan mengidentifikasi, mengukur, by identifying, measuring, monitoring and managing a variety of
memantau serta mengelola beragam potensi risiko yang ada di potential risks that exist within all business lines of PermataBank.
seluruh lini bisnis PermataBank.
Penerapan manajemen risiko di PermataBank tetap berfokus pada The implementation of risk management at PermataBank
fungsi kontrol internal di seluruh level, yakni first, second maupun continues to focus on internal control functions at all levels; first,
third line of defense. Fokus utamanya adalah pembenahan second and third lines of defense. PermataBank’s main focus lies
pada lapis pertama, yaitu di bagian front-end sehingga masalah on the first line of defense, which is used to detect and prevent
pengelolaan risiko sudah dapat dideteksi dan dicegah sejak risks at an early stage. The competence of human resources,
awal. Sumber daya manusia sebagai salah satu faktor utama as one of the main factors in risk management, continues to be
dalam pengelolaan risiko yang baik, terus dikembangkan melalui developed through training and more intensive development.
pelatihan dan pengembangan yang lebih intensif.
IMPLEMENTASI TATA KELOLA PERUSAHAAN IMPLEMENTATION OF CORPORATE GOVERNANCE

Untuk menjaga kinerja usaha yang berkelanjutan, implementasi The implementation of good corporate governance (GCG)
tata kelola perusahaan yang baik (Good Corporate Governance/ plays a very important role in maintaining sustainable business
GCG) menjadi faktor penentu yang sangat penting. Karenanya, performance. Therefore, PermataBank strives to improve the
PermataBank selalu berupaya meningkatkan kualitas penerapan quality of its GCG implementation from year to year. In 2019,
GCG dibandingkan tahun sebelumnya. Di tahun 2019, PermataBank PermataBank sought to improve its adoption of governance
berupaya meningkatkan penerapan prinsip-prinsip Tata Kelola serta principles and information disclosure, with reference to the
keterbukaan informasi, yang mengacu pada peraturan yang berlaku prevailing regulations and best practices, such as the ASEAN CG
dan best practices, seperti ASEAN CG Scorecard. Scorecard.
PermataBank telah melakukan beberapa rencana strategis PermataBank has conducted several strategic plans to meet
sebagai wujud pemenuhan kebijakan penerapan keuangan the requirements for the implementation of sustainable financial
berkelanjutan bagi lembaga jasa keuangan yang diatur dalam policies for financial service institutions as stipulated in OJK

Laporan Direksi
Peraturan OJK Nomor 51/POJK.03/2017, efektif sejak tahun Regulation No. 51/POJK.03/2017. For PermataBank, the adoption
2019. Bagi PermataBank, penerapan keuangan berkelanjutan of sustainable finances is important in supporting harmony
ini sangat penting dalam mendukung keselarasan antara between economic, social and environmental interests.
kepentingan ekonomi, sosial, dan lingkungan hidup.
Manajemen PermataBank telah melakukan penerapan tata PermataBank’s management has been successful at
kelola perusahaan yang secara umum baik. Hal ini tercermin dari implementing the principles of good corporate governance.
pemenuhan yang memadai atas prinsip tata kelola yang mengacu It is reflected in PermataBank’s satisfactory compliance with
pada peraturan yang berlaku dan best practices. Hal tersebut governance principles in the prevailing regulations and best
juga diakui dengan perolehan penghargaan terkait tata kelola practices. It has also been recognized by being awarded from
perusahaan dari berbagai institusi berwenang. various institutions related to corporate governance.
Pada November 2019, PermataBank dinobatkan sebagai Juara In November 2019, PermataBank was awarded the third place
Ketiga untuk kategori Lembaga Keuangan Swasta Tercatat in the category of Listed Private Financial Institution in the 2018
(Private Keuangan Listed) dalam ajang Annual Report Award Annual Report Award. The accolade was based on an evaluation
2018. Penghargaan tersebut diberikan berdasarkan penilaian atas of the Annual Reports published by companies in Indonesia, and
Annual Report yang diterbitkan oleh perusahaan-perusahaan di was organized by the Ministry of Finance, Financial Services
Indonesia, yang diselenggarakan oleh Kementerian Keuangan, Authority, Bank Indonesia, Ministry of BUMN, Directorate
Otoritas Jasa Keuangan, Bank Indonesia, Kementerian BUMN, General of Tax, Indonesia Stock Exchange, National Committee
Direktorat Jenderal Pajak, Bursa Efek Indonesia, Komite Nasional on Governance Policy (KNKG) and Indonesian Accountants
Kebijakan Govenance (KNKG) dan Ikatan Akuntan Indonesia (IAI). Association (IAI).
Pencapaian tersebut merupakan bukti komitmen PermataBank Such achievement highlights PermataBank’s commitment to
untuk terus meningkatkan praktik tata kelola yang baik. Terutama, continually improve its good governance practices, particularly
terkait dengan prinsip transparansi dan akuntabilitas bagi seluruh those related to the principles of transparency and accountability.
pemangku kepentingan PermataBank.
PERUBAHAN KOMPOSISI DIREKSI CHANGES IN THE COMPOSITION OF THE

BOARD OF DIRECTORS
Sepanjang tahun 2019, telah terjadi beberapa perubahan dalam In 2019, there were a number of changes in the composition of
komposisi Direksi PermataBank. PermataBank’s Board of Directors.
Per tanggal 7 Januari 2019, Herwin Bustaman efektif dan telah As of 7 January 2019, Herwin Bustaman was effective and has
mendapatkan persetujuan regulator untuk menjalankan tugas obtained regulatory approval to perform his duties as a Sharia
sebagai Direktur Unit Usaha Syariah PermataBank, menggantikan Business Unit Director of PermataBank, replacing Achmad Kusna
Achmad Kusna Permana yang mengundurkan diri pada September Permana who has resigned in September 2017. This appointment
2017. Hal tersebut didasarkan pada hasil keputusan Rapat Umum is based on the resolution of the Extraordinary General Meeting of
Pemegang Saham Luar Biasa 25 September 2018. Shareholders dated 25 September 2018.
Rapat Umum Pemegang Saham Luar Biasa tersebut juga The Extraordinary General Meeting of Shareholders also
menghasilkan keputusan bahwa Djumariah Tenteram diangkat appointed Djumariah Tenteram as a Retail Banking Director and
sebagai Direktur Retail Banking, dan telah mendapatkan the regulatory approval for the appointment was obtained and
persetujuan regulator dan efektif per tanggal 16 Januari 2019 untuk effective on 16 January 2019, replacing Bianto Surodjo who
menggantikan Bianto Surodjo yang mengundurkan diri pada April resigned in April 2018.
2018.


Main Highlights
Management Reports
Company Profile
Risk Management
Operational Review
Selanjutnya, berdasarkan keputusan RUPS Tahunan tanggal 23 Furthermore, based on resolution at the Annual GMS dated
April 2019 dan persetujuan regulator atas hasil fit and proper test, 23 April 2019 and the regulator’s approval of the fit and proper
Dayan Sadikin secara efektif diangkat sebagai Direktur Sumber Daya test results, Dayan Sadikin has been appointed as a Human
Manusia per tanggal 23 April 2019. Pada RUPS Tahunan yang sama, Resources Director effective on 23 April 2019. At the same time,
pengunduran diri Loh Tee Boon dari jabatannya sebagai Direktur the resignation of Loh Tee Boon from his position as a Risk Director
Risiko juga telah disetujui. has also been approved.
Manajemen menyampaikan terima kasih kepada anggota The Bank’s management wishes to express its gratitude to the
Direksi yang tidak lagi menjabat atas segala dedikasinya selama members of the Board of Directors who are no longer serving, for
bergabung dengan PermataBank. all the dedication during their time at PermataBank.
Dengan demikian, komposisi Direksi hingga 31 Desember 2019 The composition of the Board of Directors as of 31 December
adalah: 2019 is as follows:
Direktur Utama : Ridha DM Wirakusumah President Director : Ridha DM Wirakusumah
Direktur Teknologi dan Operasi : Abdy Dharma Salimin Technology and Operations Director : Abdy Dharma Salimin
Direktur Keuangan : Lea Setianti Kusumawijaya*) Finance Director : Lea Setianti Kusumawijaya*)
Direktur Wholesale Banking : Darwin Wibowo Wholesale Banking Director : Darwin Wibowo
Direktur Hukum dan Kepatuhan : Dhien Tjahajani Legal and Compliance Director : Dhien Tjahajani
Direktur Unit Usaha Syariah : Herwin Bustaman Sharia Business Unit Director : Herwin Bustaman
Direktur Retail Banking : Djumariah Tenteram Retail Banking Director : Djumariah Tenteram
Direktur Sumber Daya Manusia : Dayan Sadikin Human Resources Director : Dayan Sadikin
*) Lea Setianti Kusumawijaya juga merangkap sebagai Pjs. Direktur Risiko *) Lea Setianti Kusumawijaya is acting as Interim Risk Director
PENGEMBANGAN TEKNOLOGI INFORMASI DEVELOPMENT OF INFORMATION

TECHNOLOGY
Untuk menjangkau nasabah yang lebih luas, PermataBank To reach out to a wider customer base, PermataBank continues
berupaya untuk terus menghasilkan produk yang lebih baik dan to launch better products and to drive digitalization of banking, as
mendorong digitalisasi perbankan, serta memanfaatkan kemitraan well as to benefit from partnerships with fintech, e-commerce and
dengan fintech, e-commerce dan industri lainnya other industries.
Pengembangan digital channel juga terus dilakukan, baik PermataBank is also committed to digital channel development
melalui pengembangan PermataMobile X, internet banking through the development of PermataMobile X, internet banking
dan API Banking. Hal itu merupakan contoh solusi inovatif yang and API Banking. This is an example of an innovative solution that
memberikan pengalaman terbaik kepada nasabah perorangan. provides PermataBank’s individual customers with the best possible
PermataBank juga terus mengembangkan Permata e-Value Chain experience. PermataBank also continues to develop Permata e-Value
untuk nasabah UKM dan korporasi. Selain itu, PermataBank juga Chain for small and medium enterprises and corporations. In addition,
melakukan pembaharuan terhadap situs web PermataBank.com. PermataBank also revamped PermataBank.com website.
PermataBank juga telah menjalankan beberapa insiatif strategis baru PermataBank had also launched several new strategic initiatives,
yaitu meluncurkan PermataMobile X untuk Unit Usaha Syariah (UUS) namely PermataMobile X for the Sharia Business Units (UUS) and
dan menginisiasi pembukaan Model Branch. PermataBank terus initiating the launch of Model Branch. PermataBank continues to
melakukan investasi di bidang IT untuk mendukung pengembangan invest in IT to support the development of digital banking as one
digital banking sebagai salah satu strategi PermataBank. of PermataBank’s strategies.

Laporan Direksi
PENGEMBANGAN SUMBER DAYA MANUSIA DEVELOPMENT OF HUMAN RESOURCES

Bagi PermataBank, sumber daya manusia adalah aset yang For PermataBank, human resources is a valuable asset. PermataBank
berharga. PermataBank secara berkala melakukan penyelarasan periodically reviews employee’s remuneration to bring it in line with
remunerasi karyawan sesuai standar industri perbankan, dengan the banking industry’s standard, while still, taking into account
tetap memperhatikan aspirasi karyawan serta mempertimbangkan employees’ aspirations and PermataBank’s financial capabilities.
kemampuan finansial PermataBank.
Selain itu, mengingat peran sumber daya manusia yang sangat In addition, given the important role of human resources to
penting bagi pengembangan usaha secara berkelanjutan, prudent, sustainable and prudent business development, as well as GCG,
dan pengelolaan GCG yang baik, PermataBank telah memfasilitasi PermataBank has facilitated and implemented various HR training
dan melaksanakan berbagai program pelatihan dan pengembangan and development programs, and reviewed opportunities to improve
SDM serta mengkaji peluang untuk meningkatkan efektivitas dan organizational effectiveness through restructuring. Until December
restrukturisasi organisasi. Hingga Desember 2019, sebanyak 98% 2019, 98% of employees had attended training with an average of
dari karyawan telah mengikuti pelatihan dengan rata-rata 5,58 hari 5.58 learning days per employees.
per karyawan.
PENGEMBANGAN TANGGUNG JAWAB SOSIAL DEVELOPMENT OF CORPORATE SOCIAL

PERUSAHAAN RESPONSIBILITY (CSR)
Sebagai sebuah lembaga keuangan terpercaya, PermataBank As a trusted financial institution, PermataBank conducts its
menjalankan tanggung jawab sosial perusahaan (corporate social corporate social responsibility (CSR) through a variety of long-term
responsibility/CSR) melalui berbagai program “PermataHati” yang and sustainable “PermataHati” programs. PermataHati consists of
bersifat jangka panjang dan berkelanjutan. PermataHati terdiri dari three pillars known as 3E, namely: Education, Enhancement and
tiga pilar yang dikenal dengan 3E, yaitu Education, Enhancement, Empowerment to create a better quality of education and life for the
dan Empowerment untuk menciptakan kualitas pendidikan dan children of the nation.
kehidupan yang lebih baik bagi anak bangsa.
Dari lingkup internal, PermataBank mendorong PermataBanker Internally, PermataBank encourages PermataBankers to involve
untuk melibatkan diri dalam program Employee Volunteers (EVO), themselves in the Employee Volunteer (EVO) program, as a form of
sebagai wujud komitmen dan nilai ‘Caring’ seorang PermataBanker commitment and ‘Caring’ value for PermataBankers’ surrounding
terhadap masyarakat sekitar. community.
Hingga Desember 2019, kontribusi tanggung jawab sosial yang Until December 2019, social responsibilities that had been
telah dilakukan PermataBank antara lain: contributed by PermataBankers include:
- PermataBankir Cilik yang merupakan Edukasi literasi keuangan - PermataBankir Cilik, which is a program aiming to improve
dan dasar perbankan untuk siswa SD yang menginspirasi elementary school children’s knowledge about financial literacy,
mereka menjadi “Duta Menabung”. Program ini telah melibatkan as well as basic principles of finance to inspire them to become
55 sekolah dengan 428 Duta Menabung. “Savings Ambassadors”. This program had involved 55 schools
and 428 Savings Ambassadors.
- PermataYouthpreneur yaitu Program edukasi dan - PermataYouthpreneur, which is a mentorship and education
pendampingan untuk siswa SMK terkait inspirasi Digital Start- program for students at the Vocational High School (SMK) level,
Up dan Literasi Keuangan yang melibatkan 640 YouthPreneurs. regarding Digital Start-Up and Financial literacy inspiration.
This program had involved 640 YouthPreneur.
- CERITA (Cinta & Empati daRI kiTA) yaitu CSR Employee - CERITA (Cinta & Empati daRI kiTA), which is a CSR Employee
Volunteerism untuk edukasi literasi keuangan yang Voluntereeism program to educate financial literacy and had


Main Highlights
Management Reports
Company Profile
Risk Management
Operational Review
diselenggarakan di 50 Kota dan menjangkau 36.000 siswa been held in 50 cities and reached 36,000 students and
dan guru. teachers.
Tahun 2019, PermataBank mendapatkan apresiasi yang tinggi dari In 2019, PermataBank received recognition from the Governor of DKI
Gubernur DKI Jakarta sebagai perusahaan yang terus peduli dan Jakarta for being a company that continues to show commitment
konsisten menjalankan tanggung jawab sosial perusahaan. Apresiasi to implementing the principles of corporate social responsibility.
tersebut diberikan kepada PermataBank berupa Padmamitra Award This recognition came in the form of Padmamitra Award at the DKI
Tingkat Provinsi DKI Jakarta untuk kategori Inovasi Sosial. Jakarta Provincial Level for the Social Innovation Category.
APRESIASI BAGI PEMANGKU KEPENTINGAN APPRECIATION FOR STAKEHOLDERS

Kami menyampaikan apresiasi dan terima kasih yang sebesar- We wish to express our appreciation and gratitude to all
besarnya kepada para pemangku kepentingan. Dan sekali lagi, stakeholders. And once more, to all major shareholders, including
kepada para pemegang saham utama Astra International dan Astra International and Standard Chartered, for their direct and
Standard Chartered atas segala sumbangsihnya, baik secara indirect contribution in the development of PermataBank.
langsung maupun tidak dalam mengembangkan PermataBank
hingga seperti sekarang.
Direksi juga berterima kasih kepada Dewan Komisaris dan The Board of Directors would also like to express our gratitude
regulator yang ikut memberikan arahan dan bimbingan dalam to the Board of Commissioners and to the regulators who have
perjalanan usaha PermataBank. Kami berkomitmen untuk been giving PermataBank direction and guidance throughout its
terus meningkatkan tata kelola perusahaan yang baik di masa business journey. We are committed to keeping the implementation
mendatang. of the principles of good corporate governance.
Apresiasi yang mendalam juga kami sampaikan bagi seluruh We would also like to express our appreciation to all of the Bank’s
karyawan, karena telah menjadi bagian penting dalam perjalanan employees since they are an important part of PermataBank’s
PermataBank yang terus tumbuh lebih baik. Begitu pun dengan journey, as well as to other stakeholders.
para pemangku kepentingan lainnya.
Kami meyakini, ke depan PermataBank akan terus tumbuh secara We believe that PermataBank will continue to grow in a positive
positif dan berkesinambungan berkat kerja sama yang baik antara and sustainable manner due to good cooperation between its
manajemen dengan beragam para pemangku kepentingan. management and various stakeholders. PermataBank will continue
PermataBank akan terus berupa memberikan yang terbaik bagi to provide the best possible outcomes for its shareholders and
para pemegang saham serta nasabah dan menjadi bank pilihan customers, and become the bank of choice for the nation.
masyarakat Indonesia (bank of choice).
Atas nama Direksi, | On behalf of the Board of Directors,
Direktur Utama
President Director

Direksi
Board of Directors
Herwin Bustaman Darwin Wibowo Ridha DM Wirakusumah Lea Setianti Kusumawijaya

Direktur Unit Usaha Syariah Direktur Wholesale Banking Direktur Utama Direktur Keuangan
Shariah Business Unit Director Wholesale Banking Director President Director Finance Director

Main Highlights
Management Reports
Company Profile
Risk Management
Operational Review
Djumariah Tenteram Dhien Tjahajani Dayan Sadikin Abdy Dharma Salimin

Direktur Retail Banking Direktur Hukum dan Kepatuhan Direktur Sumber Daya Manusia Direktur Teknologi dan Operasi
Retail Banking Director Legal and Compliance Director Human Resources Director Technology and Operations Director
Laporan Dewan
Pengawas Syariah
D i tahun 2019, Dewan Pengawas Syariah (DPS)

telah melaksanakan fungsi pengawasan secara
berkala terhadap kegiatan Unit Usaha Syariah (UUS)
PermataBank untuk memastikan agar seluruh aspek
kegiatan bisnis telah sesuai dengan prinsip Syariah.
In 2019, the Shariah Supervisory Board (SSB) carried out

regular supervisory functions of Shariah Business Unit (SBU)
PermataBank activities to ensure that all aspects of business
activities were in accordance with Shariah principles.
Bismillaahirrahmaanirrahim Bismillaahirrahmaanirrahim
Assalamu’alaikum wa rahmatullaahi wa barakatuh, Assalamu’alaikum wa rahmatullaahi wa barakatuh,
Puji dan syukur kita panjatkan kehadirat Allah SWT atas nikmat, Praise and gratitude be in the presence of Allah SWT for all His
kemudahan serta rahmah dan hidayah yang diberikan kepada kita grace and blessings upon us, in the successful execution of our
semua sehingga dapat menjalankan tugas dan tanggung jawab duties and mandates.
sebagaimana diamanatkan.
Dalam menjalankan tugasnya, DPS UUS PermataBank senantiasa In carrying out its duties, the SSB of SBU PermataBank fulfilled
memenuhi amanat sebagaimana tercantum dalam SEBI No. 12/13/ its mandate stated in SEBI No. 12/13/DPbS regarding the
DPbS perihal Pelaksanaan Good Corporate Governance bagi Implementation of Good Corporate Governance for Shariah
Bank Umum Syariah dan Unit Usaha Syariah. Dalam peraturan Commercial Banks and Shariah Business Units. This regulation
tersebut mengatur tugas dan tanggungjawab DPS, antara lain highlights the duties and responsibilities of SSB, including
melakukan pengawasan terhadap proses pengembangan produk supervising the process of product development and activities of
serta pengawasan terhadap kegiatan PermataBank agar sesuai PermataBank to comply with Shariah principles.
dengan prinsip Syariah.


Main Highlights
Management Reports
Company Profile
Risk Management
Operational Review
H. Muhammad Faiz, M.A

Ketua Dewan Pengawas Syariah
Chairman of the Shariah Supervisory Board

Laporan Dewan Pengawas Syariah

Sepanjang tahun 2019, DPS telah melaksanakan fungsi Throughout 2019, the SSB carried out regular supervisory
pengawasan secara berkala terhadap kegiatan UUS PermataBank functions of SBU PermataBank and Office Channelling activities
dan Office Chanelling untuk memastikan agar seluruh aspek to ensure that all aspects of business activities were in accordance
kegiatan bisnis telah sesuai dengan prinsip Syariah melalui with Shariah principles, through following activities:
kegiatan-kegiatan sebagai berikut:
• Pengkajian, antara lain melakukan review atas dokumen • Reviewing funding and financing transaction documents
transaksi funding dan financing (Cabang Syariah & Office (Shariah Branch & Office Channelling), review Trustee Agents
Chanelling), review Perjanjian Jasa Perwaliamanatan dalam services Agreement in order to issue Sustainable Mudharabah
rangka Penerbitan Sukuk Mudharabah Berkelanjutan. Shariah Bonds.
• Pemberian beberapa opini dan memberikan persetujuan atas • Providing opinions and giving approval for each new product,
setiap produk, jasa maupun aktivitas baru serta pengembangan, service or activity as well as development, including opinions
antara lain opini terkait pengakuan biaya riil atas nasabah related to the recognition of real costs of distressed customers
bermasalah yang dapat diakui sebagai kompensasi atas that can be recognized as compensation for the real costs
biaya riil yang sudah dikeluarkan (replacement cost) UUS already incurred (replacement cost) of SBU PermataBank, in
PermataBank, sesuai dengan Fatwa DSN-MUI No. 129. accordance with Fatwa No. 129 of DSN-MUI.
• Kunjungan ke Kantor Cabang Syariah, Kantor Layanan • Visits to Shariah Branch Offices, Shariah Service Offices and
Syariah maupun Kantor Layanan Satu Atap dan memberikan One-Stop Service Offices to review implementation aspects
penyegaran terhadap aspek Syariah untuk diimplementasikan of Shariah daily for customers.
sehari-hari kepada nasabah.
Hasil pengawasan serta rekomendasi DPS telah disampaikan The results of supervision and SSB recommendations were
kepada Direksi, sesuai dengan tugas dan fungsinya. submitted to the Board of Directors, in accordance with their
duties and functions.
Pada tahun 2019, UUS PermataBank dan Unit Usaha Syariah lain In 2019, SBU PermataBank and other Shariah Business Units
maupun Perbankan Umumnya di Industri Keuangan, menemui as well as Banks in general in the Finance Industry, encountered
banyak tantangan terutama di dalam penyaluran pembiayan maupun many challenges, especially in the distribution of financing and
dalam penghimpunan dana pihak ketiga. Tantangan ini disebabkan collection of third party funds. This challenge was due to the
tingkat kompetisi yang tinggi di antara pelaku bisnis dengan berbagai high level of competition among business players with a variety
macam peluncuran produk baru dan diiringi dengan perkembangan of new product launches, accompanied by rapid technological
teknologi yang cepat antara lain digital banking maupun sektor usaha developments including digital banking, while being selective
yang akan dibiayai masih sangat selektif. about which businesses to finance.
Semua tantangan dapat dilalui dengan tetap menjaga unsur All challenges can be overcome by maintaining prudence and
kehati-hatian dan berpegang teguh pada ketentuan yang berlaku, upholding the applicable regulations, as stated in POJK/PBI,
sebagaimana yang tercantum dalam POJK/PBI, SEOJK/SEBI dan SEOJK/SEBI and Shariah provisions contained in the DSN-MUI
ketentuan Syariah yang tertuang dalam Fatwa DSN MUI, Opini Fatwa, SSB Opinion and best business practices in the Banking
DPS serta praktek bisnis terbaik di Industri Perbankan. Sebab, Industry. This will allow the business to grow in the context of
agar bisnis tetap dapat tumbuh dengan keterbatasan yang ada, existing limitations. UUS must innovate and expand to reach
UUS harus melakukan inovasi dan ekspansi kepada nasabah customers with Shariah preferences. Further, UUS PermataBank
yang memiliki preferensi Syariah. Selain itu, UUS PermataBank also developed strategic partnerships for the acquisition of new
juga mengembangkan kerja sama mitra strategis untuk akuisisi customers.
nasabah baru.


Main Highlights
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Company Profile
Risk Management
Operational Review
Alhamdulillah di tengah situasi yang dinamis dan kompetitif serta Praise be to God, in the midst of a dynamic and competitive
tetap memegang prinsip Syariah, kegiatan bisnis yang dilakukan situation, and while still upholding the Shariah principles, the
dapat berjalan dengan baik. business activities continued well.
Selama tahun 2019, UUS PermataBank telah menyelaraskan dan During 2019, SBU PermataBank aligned and realized its strategies
merealisasikan strategi dan kegiatan usahanya dengan Bank Induk and business activities with the Parent Bank, especially in Digital
khususnya terkait Digital Origination. Pengembangan tersebut Origination. This development enabled customers to open
memungkinkan nasabah melakukan pembukaan rekening melalui accounts digitally through PermataMobile X.
PermataMobile X.
Berkenaan dengan manajemen risiko, UUS senantiasa Regarding risk management, SBU constantly improved its
meningkatkan kontrol atas risiko pembiayaan melalui peninjauan control over financing risks through periodic reviews of the
berkala terkait proses pembiayaan secara menyeluruh dan overall financing process and continuous monitoring of the
pemantauan kondisi usaha nasabah secara berkesinambungan. customer’s business conditions. In addition, SBU is also
Selain itu, UUS juga memastikan terpenuhinya penerapan prinsip ensuring the fulfillment of the application of Shariah principles
Syariah dan kepatuhan dalam produk dan layanan yang diberikan and compliance in products and services.
kepada nasabah.
Dalam kesempatan ini, kami, DPS menyampaikan terima kasih On this occasion, the SSB expresses our gratitude for the support
atas dukungan seluruh Direksi, karyawan UUS dan karyawan of all Directors, SBU employees and PermataBank employees
PermataBank atas dukungan dan kerja sama yang baik selama for their support and cooperation during 2019. God willing,
tahun 2019. Insya Allah, kerja sama yang terjalin harmonis antara harmonious cooperation will be established between SSB, all
DPS, seluruh jajaran Manajemen dan karyawan menjadi kunci levels of Management and employees as the key to success
sukses untuk terus tumbuh dan berkembang, baik untuk UUS, for growth and success, both for SBU, PermataBank and in the
PermataBank maupun di Industri Perbankan Syariah Indonesia Indonesian Shariah Banking Industry in the community.
maupun di masyarakat.
Demikian laporan ini kami sampaikan. Semoga Allah SWT merestui We, therefore, submit this report. May Allah bless all the good
segala niat baik yang menyertai dan memberikan kekuatan serta intentions and provide strength and guidance to us in conducting
petunjuk kepada kita dalam menjalankan usaha di tahun 2020 business in 2020 and the years to come. Aamiin yaa Rabbal
dan tahun-tahun mendatang. Aamiin yaa Rabbal ’Alaamiin. ’Alaamiin.
Wassalamu’alaikum Warrahmatullahi Wabarakaatuh. Wassalamu’alaikum Warrahmatullahi Wabarakaatuh.
H. Muhammad Faiz, M.A

Ketua Dewan Pengawas Syariah
Chairman of the Shariah Supervisory Board

Surat Pernyataan Anggota Dewan Komisaris

tentang Tanggung Jawab atas Laporan Tahunan
PT Bank Permata Tbk Tahun 2019
Member of the Board of Commissioners Statement of Accountability
of Annual Report 2019 PT Bank Permata Tbk
Kami yang bertanda tangan di bawah ini menyatakan bahwa We, the signatories, hereby stated that all information contained
semua informasi dalam Laporan Tahunan PT Bank Permata Tbk in the 2019 Annual Report of PT Bank Permata Tbk have been
tahun 2019 telah dimuat secara lengkap dan bertanggung comprehensively presented and fully accountable for the
jawab penuh atas kebenaran isi Laporan Tahunan Perusahaan. accuracy of the content of the Company’s Annual Report.
Demikian pernyataan ini dibuat dengan sebenarnya. This statement is made truthfully.
Jakarta, Maret 2020 Jakarta, March 2020

Komisaris Utama
Suparno Djasmin
Wakil Komisaris Utama
Vice President Commissioner
David Allen Worth Haryanto Sahari Zulkifli Zaini

Komisaris Independen Komisaris Independen Komisaris Independen
Independent Commissioner Independent Commissioner Independent Commissioner
Rahmat Waluyanto Mark Spencer Greenberg Ian Charles Anderson

Komisaris Independen Komisaris Komisaris
Independent Commissioner Commissioner Commissioner


Main Highlights
Management Reports
Company Profile
Surat Pernyataan Anggota Direksi

Risk Management
Operational Review


Member of the Board of Directors Statement of Accountability
Direktur Utama
President Director
Abdy Dharma Salimin Lea Setianti Kusumawijaya

Direktur Teknologi dan Operasi Direktur Keuangan
Technology and Operations Director Finance Director
Darwin Wibowo Dhien Tjahajani

Direktur Wholesale Banking Direktur Hukum dan Kepatuhan
Wholesale Banking Director Legal and Compliance Director
Herwin Bustaman*) Djumariah Tenteram**) Dayan Sadikin***)

Direktur Unit Usaha Syariah Direktur Retail Banking Direktur Sumber Daya Manusia
Shariah Business Unit Director Retail Banking Director Human Resources Director
*) Efektif sejak tanggal 7 Januari 2019 | Effective since 7 January 2019

**) Efektif sejak tanggal 16 Januari 2019 | Effective since 16 January 2019
***) Efektif sejak tanggal 23 April 2019 | Effective since 23 April 2019

Surat Pernyataan Anggota Direksi

Member of the Board of Directors Statement of Accountability
Loh Tee Boon*)

Direktur Risiko
Risk Director
*) Telah berakhir masa jabatan per 23 April 2019 | The terms of office ended on 23 April 2019


Main Highlights
Management Reports
Company Profile
Risk Management
Operational Review


#AboutUs
Profil Perusahaan
Company Profile
Informasi Umum Perusahaan | The Company’s General Information 56 Pengembangan Kompetensi Karyawan 105
Riwayat Singkat Perusahaan | Brief History of the Company 58
Informasi Pemegang Saham | Shareholders Information 108
Jejak Langkah | Milestones 60
20 Pemegang Saham Terbesar | Top 20 Shareholders 111
Kegiatan Usaha | Business Activities 62
Informasi Pemegang Saham Utama | Main Shareholders Information 112
Produk dan Layanan | Products and Services 64
Data Anak Perusahaan dan Penyertaan Saham Lainnya 114
Struktur Organisasi | Organizational Structure 66 Subsidiaries and Others Investment in Shares
Visi dan Misi | Vision and Mission 68 Kantor Cabang | Branch Offices 115
Nilai-nilai Utama (I-PRICE) | Core Values (I-PRICE) 69 Wilayah Operasional | Operations Area 124
Komitmen terhadap Pemangku Kepentingan 70 Struktur Grup Perusahaan | Company Group Structure 126
Commitment to Stakeholders
Struktur Pemegang Saham | Shareholders Structure 127
Profil Dewan Komisaris | Board of Commissioners’ Profile 72
Kronologis Penerbitan dan Pencatatan Saham 128
Pernyataan Independensi Komisaris Independen 80 Shares Issuance and Listing Chronology
Kronologis Penerbitan dan Pencatatan Efek Bersifat Utang 130
Profil Direksi | Board of Directors’ Profile 82 Debt-Type Securities Issuance and Listing Chronology
Profil Dewan Pengawas Syariah | Shariah Supervisory Board Profile 90 Nama dan Alamat Lembaga dan/atau Profesi Penunjang Pasar Modal 131
Name and Address of Supporting Capital Market Profession and/or Institution
Profil Anggota Komite | Committee Member Profile 92 Informasi pada Situs Web Perusahaan 132
Pejabat Eksekutif | Executive Officer 98 Information in Company’s Website
Jumlah Karyawan | Number of Employees 102 Makna Logo PermataBank 133
The Meaning of PermataBank Logo


Main Highlights
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Informasi Umum
Perusahaan
The Company’s General Information
Nama Perusahaan Bidang Usaha

Company Name Type of Business
PT Bank Permata Tbk Perbankan
Banking
Sepanjang tahun buku 2019, nama Perseroan tidak berubah.
In 2019, the Company’s name remained the same. Dasar Hukum Pendirian
Legal Basis of Establishment
Akta Pendirian No. 228 tanggal 17 Desember 1954, dibuat di

hadapan Eliza Pondaag, Notaris pengganti dari Raden Mas
Soerojo. Akta tersebut telah disetujui oleh Menteri Kehakiman
Republik Indonesia dengan suratnya No. J.A. 5/2/2 tanggal 4
Tanggal Pendirian Januari 1955 dan diumumkan dalam BNRI No. 22 tanggal 18
Date of Establishment Maret 1955, TBNRI No. 292.
17 Desember 1954 Deed of Establishment No. 228 dated 17 December 1954, made
before Eliza Pondaag substitute Notary to Raden Mas Soerojo.
17 December 1954 The deed has been approved by Minister of Justice of Republic of
Indonesia with his letter No. J.A. 5/2/2 dated 4 January 1955 and
has been announced in BNRI No. 22 dated 18 March 1955, TBNRI
No. 292.
Modal Dasar
Authorized Capital
Modal Ditempatkan
Rp12.500.000.000.000 terbagi atas 26.880.234 saham kelas A dan Disetor Penuh
dengan nominal per saham Rp12.500 dan 97.311.976.600 saham Issued and Fully Paid Capital
kelas B dengan nilai nominal per saham Rp125.
Rp3.837.985.296.375 terbagi atas 26.880.234 saham kelas A
Rp12,500,000,000,000 consisting of 26,880,234 A class dengan nilai nominal per saham Rp12.500 dan 28.015.858.971
shares, with par value per share of Rp12,500 and 97,311,976,600 saham kelas B dengan nilai nominal per saham Rp125.
B class shares, with par value per share of Rp125.
Rp3,837,985,296,375 consisting of 26,880,234 A class shares,
with par value per share of Rp12,500 and 28,015,858,971 B class
shares with par value per share of Rp125.


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Nama Bursa Efek dan Alamat Kantor Pusat

Tanggal Pencatatan Head Office Address
Stock Exchange Name and Listing Date
PT Bank Permata Tbk
• Bursa Efek Indonesia Gedung WTC II, Lt. 1-2; 21-30
• 15 Januari 1990 Jl. Jenderal Sudirman Kav. 29-31
Jakarta 12920 - Indonesia
• Indonesia Stock Exchange
• 15 January 1990 Tel. : (021) 523 7788
Call Center : 1500111
Fax. : (021) 523 7244
Kode Saham di Surat Elektronik | E-mail : corporate.affairs@permatabank.co.id

Bursa Efek Indonesia BNLI
Situs Web | Website : www.permatabank.com
Stock Code in Indonesia Stock Exchange
BNLI
Rencana RUPS Tahunan

Annual GMS Planning
Komposisi Pemegang Saham
Shareholding Composition 14 April 2020
• PT Astra International Tbk (44,56%) 14 April 2020

• Standard Chartered Bank (44,56%)
• Masyarakat | Public (10,88%)

Riwayat Singkat
Perusahaan
Brief History of the Company
PT Bank Permata Tbk (“PermataBank/Perseroan/Bank”) didirikan PT Bank Permata Tbk (“PermataBank/the Company/Bank”)
dengan nama PT Bank Persatuan Dagang Indonesia di Indonesia was established under the name PT Bank Persatuan Dagang
dengan Akta Pendirian nomor 228 tanggal 17 Desember 1954 Indonesia based on the Notarial Deed number 228 dated 17
yang dibuat di hadapan Eliza Pondaag, Notaris di Jakarta, December 1954 made before Eliza Pondaag, Notary in Jakarta
serta disahkan sebagai badan hukum oleh Menteri Kehakiman and was approved as a legal entity by the Minister of Justice of the
Republik Indonesia (sekarang Menteri Hukum dan Hak Asasi Republic of Indonesia (now Minister of Law and Human Rights)
Manusia) pada tanggal 4 Januari 1955. Memperoleh izin usaha on 4 January 1955. The Bank was registered as a commercial
bank umum berdasarkan Surat Keputusan Menteri Keuangan bank based on the Decree of the Minister of Finance number
nomor 19371/U.M.II tanggal 19 Pebruari 1957 dan izin untuk 19371/U.M.II dated 19 February 1957 and permit to conduct
menjalankan aktivitas sebagai bank devisa berdasarkan Surat activities as a foreign exchange bank based on the Decision Letter
Keputusan Dewan Moneter Bank Indonesia nomor Sekr/D.M./97 of the Monetary Board of Bank Indonesia number Sekr/D.M./97
tanggal 8 Mei 1956. dated 8 May 1956.
Selanjutnya berdasarkan Akta Perubahan Anggaran Dasar nomor Furthermore, based on the Notarial Deed number 35 dated 20
35 tanggal 20 Agustus 1971, dibuat di hadapan Tan Thong Kie, August 1971, PT Bank Persatuan Dagang Indonesia changed its
Notaris di Jakarta, PT Bank Persatuan Dagang Indonesia berubah name to PT Bank Bali. Then on 15 January 1990 the Bank listed
nama menjadi PT Bank Bali. Kemudian pada tanggal 15 Januari its shares on the Indonesia Stock Exchange (IDX) with ticked code
1990 mencatatkan sahamnya pertama kali di Bursa Efek Jakarta BNLI and changed its name to PT Bank Bali Tbk on 21 August
dengan kode perdagangan BNLI dan pada tanggal 21 Agustus 1997 based on the Notarial Deed number 6 dated 3 July 1997,
1997 berubah nama menjadi PT Bank Bali Tbk sesuai dengan made before Hendra Karyadi, S.H., Notary in Jakarta.
Akta Pernyataan Keputusan Rapat nomor 6 tanggal 3 Juli 1997,
dibuat di hadapan Hendra Karyadi, S.H., Notaris di Jakarta.
Tahun 2002 merupakan tonggak penting dalam sejarah The year of 2002 is an important milestone for PermataBank.
PermataBank. Dengan pengawasan dari Badan Penyehatan Under the supervision of the Indonesian Bank Restructuring
Perbankan Nasional (BPPN), PT Bank Universal Tbk, Agency (BPPN), PT Bank Universal Tbk, PT Bank Prima Ekspress,
PT Bank Prima Express, PT Bank Artamedia, dan PT Bank Patriot PT Bank Artamedia, and PT Bank Patriot were merged into
menggabungkan diri ke dalam PT Bank Bali Tbk dan selanjutnya PT Bank Bali Tbk and later changed its name to PT Bank
berganti nama dari PT Bank Bali Tbk menjadi PT Bank Permata Permata Tbk based on Deed of Extraordinary General Meeting of
Tbk berdasarkan Akta Berita Acara Rapat Umum Pemegang Shareholders Minutes of Meeting number 45 dated 27 September
Saham Luar Biasa nomor 45 tanggal 27 September 2002, dibuat 2002, made before Amrul Partomuan Pohan, S.H., L.L.M., Notary
di hadapan Amrul Partomuan Pohan, S.H., L.L.M., Notaris di in Jakarta.
Jakarta.


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Pada tahun 2004, Standard Chartered Bank dan PT Astra In 2004, Standard Chartered Bank and PT Astra International Tbk
International Tbk mengambil alih PermataBank dan memulai took over PermataBank and started transforming its organization.
transformasi organisasi. Sebagai wujud komitmen mereka As part of their commitments to PermataBank, the ownership of
terhadap PermataBank, kepemilikan gabungan pemegang saham both companies increased to 89.12% as of 2019.
utama ini terus meningkat hingga posisi terakhir per tahun buku
2019 sebesar 89,12%.
PT Astra International Tbk adalah perusahaan terkemuka di PT Astra International Tbk is a leading Indonesian company with
Indonesia yang memiliki pengalaman kuat di pasar domestik, extensive experience in the domestic market, while Standard
sementara Standard Chartered Bank adalah bank internasional Chartered Bank is a well-respected international bank with global
terkemuka dengan keahlian dan pengalaman global. Kombinasi experience and expertise. The unique combination of our strategic
unik dari kedua pemegang saham strategis ini menjadi salah shareholders has created a synergy to become one of our core
satu kekuatan utama dan keunikan PermataBank dalam industri strengths and is PermataBank’s uniqueness in the Indonesian
perbankan di Indonesia. banking industry.
Dalam perjalanannya untuk tumbuh dan berkembang, Throughout its growth journey, PermataBank has the vision to
PermataBank memiliki visi untuk menjadi bank pilihan dengan be the bank of choice, nurturing relationships and creating value
terus membina kemitraan dan menciptakan nilai bermakna bagi for its stakeholders; and PRICE (Partnership, Responsiveness,
pemangku kepentingan; dan seperangkat nilai yang disebut Innovation, Caring, Excellence), as the main value, which
I-PRICE (Integrity, Partnership, Responsiveness, Innovation, become PermataBank’s principle beliefs and guides the way for
Caring and Excellence), yang menjadi nilai-nilai utama PermataBankers to work and behave.
PermataBank sebagai panduan bagi para PermataBankers dalam
bekerja dan berperilaku.
PermataBank didukung 310 kantor cabang yang tersebar di PermataBank is supported by 310 branch offices distributed in
62 kota di Indonesia dan didukung oleh 16 mobile branch, 25 62 cities across Indonesia and supported by 16 mobile branches,
Konter Bank Non Permanen Syariah, dan 975 jaringan ATM yang 25 Shariah Non-Permanent Bank Counters, and 975 ATM
terhubung ke beberapa jaringan ATM seperti ATM Bersama, distributions which connected to several ATM networks such as
ALTO, dan PRIMA. ATM Bersama, ALTO, and PRIMA.

Jejak Langkah
Milestones
Penggabungan Nilai
Nominal Saham
Divestasi 51,72% saham
Pemerintah RI kepada
Standard Chartered Bank
(SCB) dan
PT Astra International
Tbk (AI), masing-masing
25,86%. Pada akhir tahun,
kepemilikan SCB dan AI
meningkat menjadi 63,1%,
Badan Penyehatan atau masing-masing
Perbankan Nasional (BPPN) PT Bank Universal Tbk, 31,55%.
merekapitalisasi PT Bank PT Bank Patriot, PT Bank
Bali Tbk, dan Pemerintah RI Prima Express, PT Bank Reverse Stock Split
menjadi pemegang saham Artamedia dan PT Bank Bali The Government of Republic
PT Bank Bali Tbk mulai utama. Tbk bergabung menjadi of Indonesia divested 51.72%
beroperasi secara komersial PT Bank Permata Tbk. to Standard Chartered
sebagai bank swasta di Penawaran Umum Perdana Indonesia Banking Bank (SCB), and PT Astra
Indonesia. saham di Bursa Efek Jakarta Restructuring Agency (IBRA) PT Bank Universal Tbk, International Tbk (AI),
dan Bursa Efek Surabaya. recapitalized PT Bank Patriot, PT Bank 25.86% respectively. At the
PT Bank Bali Tbk PT Bank Bali Tbk, and the Prima Express, PT Bank end of the year, combined
commenced its commercial Initial Public Offering in the Government of Republic of Artamedia and PT Bank Bali SCB and AI ownership
operations as a private bank Jakarta Stock Exchange and Indonesia became the main Tbk merged and formed increased to 63.1%, or
in Indonesia. Surabaya Stock Exchange. shareholder. PT Bank Permata Tbk. 31.55%, respectively.
1955 1990 2000 2002 2004
2012 2013 2014 2015 2016

• Penawaran Umum • Penawaran Umum • Penerbitan Obligasi Pelunasan Pokok dan • Penawaran Umum
Terbatas V dengan Hak Terbatas (PUT) VI dengan Subordinasi Berkelanjutan Pembayaran Kupon Obligasi Terbatas (PUT) VII dengan
Memesan Efek Terlebih Hak Memesan Efek II Bank Permata Tahap II Berkelanjutan I Bank Permata Hak Memesan Efek
Dahulu senilai Rp2 triliun. Terlebih Dahulu senilai Tahun 2014 senilai Rp700 Tahap I Tahun 2013 Seri A Terlebih Dahulu senilai
SCB dan AI mengambil Rp1,5 triliun. miliar. sebesar Rp715 miliar. Rp5,5 triliun.
porsi kepemilikannya dan • Penerbitan Obligasi • Penyertaan saham pada • Pelunasan Pokok dan
bertindak sebagai pembeli Berkelanjutan I Bank PT Astra Sedaya Finance Payment of Principal and Pembayaran Kupon
siaga. Kepemilikan SCB Permata Tahap I Tahun sebanyak 25%. Coupon of Continuous Obligasi Berkelanjutan
dan AI meningkat menjadi 2013 senilai Rp1,368 Bonds I Permata Bank I Bank Permata Tahap I
89,12% atau masing- triliun dan Obligasi • Issuance of Continuous Tranche I Year 2013 A Series Tahun 2013 Seri B.
masing 44,56%. Subordinasi Berkelanjutan Subordinated Bonds II totalling Rp715 billion.
• Penerbitan Obligasi II Bank Permata Tahap I Tranche II Permata Bank • Rights Issue VII
Subordinasi I Bank Tahun 2013 senilai Rp860 Year 2014 amounting to amounting Rp5.5 trillion.
Permata Tahap I dan Tahap miliar. Rp700 billion. • Payment of Principal and
II Tahun 2012, sebagai • Laba bersih tercatat • Equity participation of Coupon of Continuous
bagian dari Penawaran senilai Rp1,726 triliun. 25% shares ownership in Bonds I Permata Bank
Umum Berkelanjutan PT Astra Sedaya Finance. Tranche I Year 2013 B
PermataBank senilai Rp2,5 • Rights Issue VI amounting Series.
triliun. Rp1.5 trillion.
• Issuance of Continuous
• Rights Issue V amounting Bonds I Permata Bank
Rp2 trillion. SCB and AI Tranche I Year 2013
took up their portion and amounting Rp1.368
acted as standby buyers. trillion and Continuous
The ownership of SCB and Subordinated Bonds II
AI increased to 89.12%, or Permata Bank Tranche
44.56% respectively. I Year 2013 amounting
• Issuance of Subordinated Rp860 billion.
Bonds I Permata Bank • Recorded net profit of
Tranche I and Tranche Rp1.726 trillion.
II Year 2012 as part
of PermataBank’s
Continuous Public Offering
amounting Rp2.5 trillion.


Main Highlights
Management Reports
Company Profile
Risk Management
Operational Review
• Penerbitan Obligasi Subordinasi sebesar Rp700 miliar

dengan tenor 10 tahun melalui mekanisme private
• SCB dan AI meningkatkan placement. SCB bertindak sebagai pembeli tunggal.
kepemilikan menjadi total • Penawaran Umum Terbatas IV dengan Hak Memesan
89,01%. Efek Terlebih Dahulu sebesar Rp2 triliun. SCB dan AI
• Penawaran Umum meningkatkan sahamnya sekaligus bertindak selaku
Obligasi Subordinasi I Penerbitan Obligasi pembeli siaga. Kepemilikan SCB dan AI meningkat menjadi
kepada publik sebesar Subordinasi sebesar 89,03%, atau masing-masing 44,515%.
Rp500 miliar dengan US$100 juta dengan tenor • Akusisi PT GE Finance Indonesia (selanjutnya disebut
tenor 10 tahun dan opsi 12 tahun dan opsi beli PT Sahabat Finansial Keluarga). • Penawaran Umum
beli setelah tahun ke-5 setelah ulang tahun ke-7 • Untuk pertama kalinya PermataBank mencapai angka Rp1 Obligasi Subordinasi II
(10NC5). Didaftarkan di (12NC7) melalui mekanisme triliun untuk laba bersih. sebesar Rp1,75 triliun
Bursa Efek Jakarta. private placement. AI dan dengan tenor 7 tahun.
SCB bertindak sebagai • Issuance of Subordinated Bonds amounting to Rp700 • Untuk pertama kalinya
• SCB and AI increased pembeli siaga. billion with a tenor of 10 years through a private placement mencapai angka Rp100
their ownership totally to mechanism. SCB acted as sole buyer. triliun untuk jumlah aset.
89.01%. Issuance of Subordinated • Rights Issue IV amounting Rp2 trillion. SCB and AI took
• Public Offering of Bonds of US$100 million up their share and acted as the standby buyers. The • Public Offering of
Subordinated Bonds I with a tenor of 12 years ownership of SCB and AI increased to 89.03%, or 44.515% Subordinated Bonds II
of Rp500 billion with and buyback option after respectively. amounting Rp1.75 trillion,
10-years tenor and seven years (12NC7) • Acquisition of PT GE Finance Indonesia (hereafter refer to with a tenor of 7 years.
buyback option after five through a private placement PT Sahabat Finansial Keluarga). • For the first time reached
years (10NC5). Listed on mechanism. AI and SCB • PermataBank for the first time reached Rp1 trillion in terms of Rp100 trillion in terms of
Jakarta Stock Exchange. acted as standby buyers. net profit. total assets.
2006 2009 2010 2011
2017 2018 2019

Penawaran Umum Terbatas • Divestasi saham di • Pelunasan Obligasi Subordinasi Berkelanjutan I Bank Permata
(PUT) VIII dengan Hak PT Astra Sedaya Finance.
Memesan Efek Terlebih • Peluncuran Tahap I Tahun 2012 dan Obligasi Subordinasi Berkelanjutan I
Dahulu senilai Rp3 triliun. PermataMobile X. Bank Permata Tahap II Tahun 2012.
• Peluncuran Visi, Misi, dan
Rights Issue VIII amounting Values I-PRICE. • Peluncuran Model Branch yang dirancang untuk memberikan
Rp3 trillion. • Pelunasan Obligasi pengalaman terbaik bagi nasabah baik secara offline (dengan
Subordinasi II Bank
Permata Tahun 2011.
bantuan staf) maupun secara online (self-service).
• Divestment of PT Astra • Repayment of Continuous Subordinated Bonds I of Bank

Sedaya Finance.
• Launching of Permata Phase I Year 2012 and Continuous Subordinated
PermataMobile X. Bonds I of Bank Permata Phase II Year 2012.
• Launching of Vission,
Mission, and I-PRICE • The launching of Model Branch to give best experience to
Values. customers offline (with the staff’s assistance) or online (self-
• Repayment of
Subordinated Bonds II
service).
Bank Permata Year 2011.

Kegiatan Usaha
Business Activities
Berdasarkan Anggaran Dasar Terakhir Based on the Latest Articles of Association

Berdasarkan Pasal 3 Anggaran Dasar Perseroan, kegiatan usaha Based on Article 3 of the Company’s Article of Association,
Perseroan adalah: business activities of the Company are:
• Maksud dan tujuan Perseroan ialah berusaha dalam bidang • The objective and purpose of the Company is to engage in the
bank umum. field of commercials banking.
• Untuk mencapai maksud dan tujuan tersebut di atas, • To achieve the objective and purpose mentioned above, the
Perseroan dapat melaksanakan kegiatan usaha utama dan Company can engage in the following main and supporting
kegiatan usaha penunjang sebagai berikut: business activities:
A. Kegiatan Usaha Utama: A. Main Business Activities:

a. menghimpun dana dari masyarakat dalam bentuk a. collecting funds from the public in the form of
simpanan berupa giro, deposito berjangka, sertifikat deposits, including demand deposits, time deposits,
deposito, tabungan dan/atau bentuk lainnya yang certificates of deposit, savings, and/or other similar
dipersamakan dengan itu; forms;
b. memberi kredit; b. providing loans;
c. menerbitkan surat pengakuan hutang; c. issuing promissory notes;
d. membeli, menjual atau menjamin atas risiko sendiri d. purchasing, selling, and guaranteeing at its own risk,
maupun untuk kepentingan dan atas perintah and for the benefit of and under the instruction of
nasabahnya: customers:
i. surat wesel termasuk wesel yang diakseptasi i. negotiable instruments, including negotiable
oleh bank yang masa berlakunya tidak lebih lama instruments that are accepted by the bank and whose
daripada kebiasaan dalam perdagangan surat periods of terms are no longer than normal practice in
dimaksud; the trading of such negotiable instruments;
ii. surat pengakuan hutang dan kertas dagang ii. acknowledgement of indebtness and other trade
lainnya yang masa berlakunya tidak lebih lama dari papers whose terms are no longer than normal
kebiasaan dalam perdagangan surat dimaksud; practice in the trading of such papers;
iii. kertas perbendaharaan negara dan surat jaminan iii. state treasury certificates and government
pemerintah; guarantees;
iv. sertifikat Bank Indonesia (SBI); iv. Bank Indonesia certificates;
v. obligasi; v. bonds;
vi. surat dagang berjangka waktu sampai dengan 1 vi. fixed-term trade papers with terms of up to 1
(satu) tahun; dan (one) year; and
vii. instrumen surat berharga lain yang berjangka vii. other commercial papers with the terms of up to 1
waktu sampai dengan 1 (satu) tahun. (one) year.
e. memindahkan uang baik untuk kepentingan sendiri e. transferring funds for the Bank’s own interest as well
maupun untuk kepentingan nasabah; as customers;
f. menempatkan dana pada, meminjam dana dari, atau f. placing funds with, borrowing funds from, and lending
meminjamkan dana kepada bank lain, baik dengan funds to other banks using paper, telecommunications
menggunakan surat, sarana telekomunikasi maupun facilities and bearer negotiable instruments, checks
dengan wesel unjuk, cek atau sarana lainnya; and other means;
g. menerima pembayaran dari tagihan atas surat g. receiving payments of claims in respect of commercial
berharga dan melakukan perhitungan dengan atau papers and conducting calculations with or in respect
antar pihak ketiga; of third parties;
h. menyediakan tempat untuk menyimpan barang dan h. providing places for the storage of valuable items and
surat berharga; papers;
i. melakukan kegiatan penitipan untuk kepentingan i. providing custodian services to third parties on a
pihak lain berdasarkan suatu kontrak; contractual basis;


Main Highlights
Management Reports
Company Profile
Risk Management
Operational Review
j. melakukan penempatan dana dari nasabah kepada j. investing customer funds in other customers through
nasabah lainnya dalam bentuk surat berharga yang the purchase of securities not listed on the stock
tidak tercatat di bursa efek; exchange;
k. melakukan kegiatan anjak piutang, usaha kartu kredit k. providing factoring, credit card and trusteeship
dan kegiatan wali amanat; services;
l. menyediakan pembiayaan dan atau melakukan l. providing financing and/or engaging in other activities
kegiatan lain berdasarkan Prinsip Syariah, sesuai in accordance with Shariah Principles and the
dengan ketentuan yang ditetapkan oleh Otoritas Jasa prevailing Financial Services Authority regulations;
Keuangan; dan and
m. melakukan kegiatan lain yang lazim dilakukan oleh m. engaging in such other activities as are customarily
bank sepanjang tidak bertentangan dengan peraturan engaged in by a bank in so far as they do not violate
perundang-undangan yang berlaku. the prevailing regulations.
B. Kegiatan Usaha Penunjang: B. Supporting Business Activities:

a. melakukan kegiatan dalam valuta asing sesuai a. engaging in foreign exchange operations in
dengan ketentuan yang ditetapkan oleh Otoritas Jasa accordance with Financial Services Authority
Keuangan; regulations;
b. melakukan kegiatan penyertaan modal pada bank b. to make equity participation in other banks or financial
atau perusahaan lain di bidang keuangan, seperti services companies, such as leasing companies,
sewa guna usaha, modal ventura, usaha kartu kredit, venture capital companies, stock brokerages,
pembiayaan konsumen, perusahaan efek, asuransi, insurance companies, and clearing and custodian
serta lembaga kliring penyelesaian dan penyimpanan, agencies, subject to the prevailing Financial Services
dengan memenuhi ketentuan yang ditetapkan oleh Authority regulations;
Otoritas Jasa Keuangan;
c. melakukan kegiatan penyertaan modal sementara c. to make temporary equity participation so as to
untuk mengatasi akibat kegagalan kredit, termasuk overcome financing or credit failures based on
kegagalan pembiayaan berdasarkan Prinsip Syariah, shariah principles, subject to such investments
dengan syarat harus menarik kembali penyertaannya being subsequently withdrawn and to the prevailing
sesuai dengan ketentuan yang ditetapkan oleh Financial Services Authority regulations;
Otoritas Jasa Keuangan;
d. bertindak sebagai pendiri dan pengurus dana d. acting as the founder and manager of pension funds in
pensiun sesuai dengan ketentuan dalam peraturan accordance with the prevailing regulations governing
perundang-undangan dana pensiun yang berlaku; the pension fund industry;
e. membeli agunan baik seluruhnya maupun sebagian, e. purchasing collateral, both entirely and in part, through
melalui pelelangan atau dengan cara lain, dalam auctions or other means in a situation where a borrower
hal debitur tidak memenuhi kewajibannya kepada has failed to fulfill its obligations to PermataBank,
Perseroan, dengan ketentuan agunan yang dibeli subject to the provision that such collateral must be
tersebut wajib dicairkan secepatnya; dan realized as expeditiously as possible; and
f. melakukan kegiatan lain yang lazim dilakukan oleh f. to engage in any other activities normally carried out
bank sepanjang tidak bertentangan dengan peraturan by the banks to the extent that it does not contravene
perundang-undangan yang berlaku. the prevailing regulations.
Bidang Usaha yang Dijalankan pada Tahun Business Activities Implemented in Financial
Buku 2019 Year of 2019
Kegiatan usaha utama berdasarkan Anggaran Dasar terakhir telah Main business activities based on the latest Articles of Association
dijalankan oleh PermataBank. has been implemented by PermataBank.

Produk dan Layanan

Products and Services
Produk
Products
Konvensional | Conventional • LC and SKBDN Issuance

• PermataBintang • LC Advising
• PermataME • LC and SKBDN Confirmation
• PermataTabungan OPTIMA • Post Import Financing
• PermataTabungan Bebas • Pre-Shipment Financing
• PermataBebas Plus • Inward Documentary Collection
• PermataMasa DEPAN • Outward Documentary Collection
• PermataProteksi Masa Depan+ • Receivable Services
• PermataTabungan AirAsia • Payable Services
• PermataPayroll • Bank Guarantee & SBLC
• PermataPayroll ASTRA • Shipping Guarantee
• Tabungan Simpanan Pelajar • Credit Bills Negotiation (CBN)
• TabunganKu • LC Usance Payable at Sight (UPAS)
• PermataTabungan Sub Account (RDN) • UPAS for FI
• PermataInvesta (RDL) • Invoice Financing
• PermataDollar/PermataTabungan Valas • Banker’s Acceptance
• PermataValas Dinamis • Risk Participation
• PermataGiro • Forfaiting
• PermataMaxima • Renegotiation
• PermataGiro Ganda • Money Market
• PermataDeposito • FX Today, Tom, Spot & Forward
• PermataKTA • Domestic Non-Deliverable Forward (DNDF)
• PermataBlackWorld MasterCard • FX Swap
• PermataHero Card • FX Option
• PermataReward Card • Call Spread Option
• PermataShopping Card • Cross Currency Swap
• AstraWorld PermataCard • Interest Rate Swap
• AirAsia Platinum Credit Card • Repurchase Bonds (Repo)
• PermataKPR Reguler • Surat Berharga Negara yang terdiri dari Obligasi Pemerintah Seri
• PermataKPR Bijak FR, Obligasi Global (INDON), ORI dan Saving Bond Ritel (SBR)
• PermataKPR Keluarga yang diterbitkan oleh Pemerintah Indonesia
• PermataHome Ready Cash Government Debt Securities that consists of FR, Global Bonds
• PermataKPR Cicilan Tetap (INDON), ORI and Saving Bond Retail (SBR) series Government
• PermataIndirect Consumer Financing Bonds issued by the Government of Indonesia
• Produk-produk Wealth Management • Bank Notes
• Berbagai macam produk-produk asuransi tradisional
konvensional maupun unit link yang diterbitkan perusahaan Syariah | Shariah
asuransi terkemuka • Permata iB Bintang
Various products of traditional insurance and unit link issued by • PermataME iB
leading insurance company • PermataTabungan iB Optima
• Berbagai macam reksadana yang dikelola perusahaan aset • PermataTabungan iB Bebas
manajemen terkemuka • PermataTabungan iB Masa Depan
Various mutual fund products managed by leading asset • PermataPayroll iB
management company • PermataPayroll iB Astra
• Term Loan • PermataTabungan iB Perusahaan
• Revolving Loan • TabunganKu iB
• Pinjaman Rekening Koran • Tabungan SimPel iB
• Pinjaman Sindikasi | Syndicated loan • Permata Sub Account iB
• Receivables Financing • PermataDollar iB
• Distributor Financing • PermataTabungan iB Haji
• Astra Supplier Financing • PermataTabungan iB Haji Khusus


Main Highlights
Management Reports
Company Profile
Risk Management
Operational Review
Layanan
Services
• PermataTabungan iB Umroh • Media informasi rekening (Passbook, e-Statement, Statement)

• PermataTabungan iB Bijak (termasuk iB)
• PermataGiro iB IDR & Valas Account information media (Passbook, e-Statement, Statement)
• PermataGiro iB Maxima (includes iB)
• PermataGiro iB Ganda • PermataDebit PLUS (termasuk PermataME Debit Card, AirAsia
• PermataDeposito iB Debit Card dan PermataSyariah Persib Debit Plus), Permata
• PermataKPR iB Corporate Debit Card, PermataLink (termasuk iB | includes iB)
• PermataKPR iB Bijak • PermataDebit Card berlogo GPN & berlogo Visa
• Term Financing PermataDebit Card with GPN logo & Visa logo
• Revolving Financing • Permatae-Banking (PermataATM, PermataMobile X, PermataNet,
• LC and SKBDN Issuance iB PermataTel, PermataEDC dan Permata Bisnis Payment Point/
• LC /SKBDN Advising iB PBPP) & Navigator (termasuk iB | includes iB)
• LC/ SKBDN UPAS iB • PermataAPI
• Pembiayaan Rekening Koran iB (Khusus nasabah WB) • QR Payment
• Guarantee & SBLC iB • PermataeWealth (eBond & eMutualFund) (termasuk iB | includes iB)
• Post Import Finance iB • Safe Deposit Box (termasuk iB | includes iB)
• Pre-Shipment Financing iB • Permata e-Form (termasuk iB | includes iB)
• Invoice Financing iB • PermataBank Priority
• PO Financing iB • PermataBank Priority Syariah
• Inward Documentary Collection iB • PermataBank Preferred
• Outward Documentary Collection iB • PermataBank Preferred Syariah
• Shipping Guarantee iB • PermataBank Securities & Agency Services:
• Distributor Financing iB - PermataBank Agency Services (termasuk iB | includes iB)
• Receivable Financing iB - PermataBank Custody Services (termasuk iB | includes iB)
• Credit Bills Negotiated (CBN) iB - PermataBank Fund Services (termasuk iB | includes iB)
• Renegotiation iB • Permatae-Business (Cash, Trade & Value Chain)
• PermataMultiguna iB • Cash Pooling and Netting
• Permata Indirect Consumer Financing iB • Notional Pooling
• Berbagai macam produk-produk asuransi Syariah yang • PermataAuto Sweep (termasuk iB | includes iB)
diterbitkan perusahaan asuransi terkemuka • Cash Deposit/Withdrawal (termasuk iB | includes iB)
Various products of Shariah insurance issued by leading • Virtual Account (termasuk iB | includes iB)
insurance company • Cash pick-up and Delivery Services (termasuk iB | includes iB)
• Berbagai macam reksadana Syariah yang dikelola perusahaan • Domestic Network Alliances
manajemen investasi terkemuka • Transfer LLG/RTGS/Online Transfer/International Fund Transfer
Various Shariah mutual funds managed by leading investment • Layanan Informasi Mutasi Transaksi Terpadu/PermataOne
management company
• Money Market iB
• PermataFX iB
• Surat Berharga Negara Syariah yang terdiri dari Obligasi
Pemerintah seri PBS (Project Based Sukuk), Sukuk Global,
Sukuk Negara Ritel, dan Sukuk Tabungan yang diterbitkan oleh
Pemerintah Indonesia.
Sharia-based Government Debt Securities that consist of PBS
(Project Based Sukuk), Global Sukuk, Sukuk Retail, and Sukuk
Tabungan series issued by the Government of Indonesia.

Struktur Organisasi
Organizational Structure
per tanggal 31 Desember 2019 | as of 31 December 2019
Dewan Pengawas Syariah Komite Pengawas Risiko

Shariah Supervisory Board Risk Monitoring Committee
Komite Audit
Audit Committee
Div. Head, Internal Audit

Anke Subandy
Div. Head, Strategy Office

& Astra Relationship
Iwan Nataliputra
Div. Head, Network

Eddie Sajoga
Direktur Retail Banking Direktur Unit Usaha Syariah Direktur Wholesale Banking Direktur Risiko
Retail Banking Director Shariah Business Unit Director Wholesale Banking Director Risk Director
Djumariah Tenteram Herwin Bustaman Darwin Wibowo Lea Setianti Kusumawijaya (Pjs)
Head, Shariah System & Operational Div. Head,

Div. Head, SME Banking Div. Head, Risk Retail Banking
Management Corporate Banking 1
Yohanes Suhardi Juniarto Sianipar
Feddy Fadillah TBA
Div. Head, Secured Landing (Mortgage Head, Shariah & Risk Assurance Div. Head, Div. Head, Corporate Credit Policy &
& Indirect Consumer Financing) Management Corporate Banking 2 Portfolio Management
Rosalia Abadi Habibullah Evi Harfelia Desti
Div. Head, WM & Retail Liability Product Head, Shariah Wholesale & SME Div. Head, Div. Head,
& Customer Segment Banking Corporate Banking 3 Basel & Market Risk
Aditya W. Windarwo Budi Wardana TBA Benny Tresanto
Div. Head,
Div. Head, Digital Channel Head, Syariah Network Senior Credit Officer
Commercial Banking 1
Indra Gunawan Muhammad Husni H.S. Setiatno Budiman
Monita
Div. Head, Div. Head,

Div. Head, National Non Branch Sales Head, Shariah Retail Banking Commercial Banking 2 Special Asset Management
Haryanto Pramono Rinaldi Agustian Aziz Dewi K. Prodjohartono Lambas Marasi Tua LG
Div. Head, Service Excellence Head, Shariah Business Planning Div. Head, Operational & Integrated
Div. Head, Financial Institution
& Loan Approval & Controller Risk Management
Rina Diana
Gunawidjaya Chitra Widyanti Marijani
Div. Head, Unsecured Lending (Credit Head, Shariah Business Channel Div. Head, Collections,Recoveries
Div. Head, Global Market
Card & Personal Loan) Business Dev. & Strategic Alliances & Fraud Control
Jenny Widjaja
Sandra Monica Therik Ahmad Hanief Iwan Hendra
Div. Head, Business Operational Div. Head, WB Governance & Busi-

Head, BORM Div. Head, Transaction
Risk Management ness Support Banking
Alya Bellina
Alya Bellina Richard Budiono
Theresia Ong
Div. Head, Marketing Communication Div. Head, WB Ops Risk

Glenn Ranti & Business Support
Theresia Ong
1)
Menjabat sebagai Pejabat Sementara Direktur Risiko | Acting as Interim Risk Director


Main Highlights
Management Reports
Company Profile
Risk Management
Operational Review
Dewan Komisaris
Komite Remunerasi & Nominasi

Remuneration & Nomination Committee
Komite Tata Kelola Terintegrasi

Integrated Governance Committee
Direktur Utama
President Director
Direktur Teknologi & Operasi Direktur Keuangan Direktur Sumber Daya Manusia Direktur Hukum & Kepatuhan
Technology & Operations Director Finance Director Human Resources Director Legal & Compliance Director
Abdy Dharma Salimin Lea Setianti Kusumawijaya1) Dayan Sadikin Dhien Tjahajani
Div. Head, Div. Head, Wholesale Banking Div. Head, Head HR Div. Head, Legal
Retail Banking Operations & UUS Business Finance Dyah Adhi Astuti Kusuma Wardani
Evodius Purwoko Chandra Daniel
Div. Head, Wholesale Div. Head, Retail Banking Business Div. Head, Div. Head, Compliance Regulatory
Banking Operations & Network Business Finance and Head HR Affairs Advisory
Pierre Alain Hewarlela Performance Management Titis Yurina Muhammad Rahmat Laksamana
Rakhmat Wijaya
Div. Head, Operation Risk, Div. Head, Div. Head, Head HR Div. Head, Anti Money Laundering
Process & Services Management Financial Controller Martha J.W. Setiawati Willy Budiman
Lucyawati A. Hutagaol Fanny Pontoh
Div. Head, Div. Head, Div. Head, Div. Head, Fraud Risk Management
Corporate Real Estate Services (Pjs) Tax Management Talent Acquisition & Management Hendratno Tri Wibowo
Evodius Purwoko Yudo Abrianto Amelia M. Sutoyo
Div. Head, Div. Head, Balance Sheet Management, Div. Head, Employee Relations Div. Head, Compliance Monitoring
Digital Delivery Corporate Planning & Investor Relations & HR Service Delivery & Training
Munir Eti Candrawati Eni W. Soetarso Deni Soeryadi S.
Div. Head, Information Services Div. Head, Procurement Vendor Div. Head, Litigation
Div. Head, Rewards & Governance
& Operations (ISO) Management Mario J. Simanjuntak
Aida F. Umaya
Adityo Kristianto Maria Patricia G.
Div. Head, Organisation Development Div. Head, Corporate Secretary

TBA Katharine Grace
Div. Head, Corporate Affairs

Richele C.I. Maramis

Visi dan Misi

Vision and Mission
Visi, Misi, Nilai-nilai dan Komitmen terhadap Pemangku Vision, Mission, Values and Commitment to Stakeholders have
Kepentingan telah disetujui oleh Dewan Komisaris dan Direksi been approved by the Board of Commissioners and the Board
PermataBank. Pada tahun 2019, tidak terdapat perubahan Visi, of Directors of PermataBank. In 2019, there are no changes on
Misi, Nilai-nilai dan Komitmen terhadap Pemangku Kepentingan. Vision, Mission, Values and Commitment to Stakeholders.
Visi
Vision
Menjadi bank pilihan dengan To be the bank of choice, nurturing

relationships and creating value for our
terus membina kemitraan stakeholders.
dan menciptakan nilai
bermakna bagi stakeholder.
Misi
Mission
• Berperan aktif sebagai mitra • Serving as an efficient financial

di bidang keuangan dan agen institution and agent of development
pembangunan yang efisien bagi for our customers and the people.
nasabah dan masyarakat. • Offering universal financial services
• Memberikan layanan keuangan in a simple, fast, reliable and
innovative way.
menyeluruh secara sederhana,
• Providing excellent stakeholders
cepat, andal dan inovatif.
experience and positive value to its
• Berkomitmen untuk memberikan shareholders.
pengalaman unggul bagi
pemangku kepentingan dan
membangun nilai positif bagi
pemegang saham.


Main Highlights
Management Reports
Nilai-nilai
Company Profile
Risk Management
Operational Review
Utama (I-PRICE)
Core Values (I-PRICE)
Integrity
Kita bekerja dengan mengutamakan We uphold trustworthiness and work in
kejujuran dan prinsip kehati-hatian, sesuai accordance with the company’s code of ethics
dengan kode etik perusahaan. and prudent principles.
Partnership
Kita saling memahami dan bersama-sama We understand each other and build strong
membangun hubungan yang kokoh dengan relationships based on mutual respect internally
pihak internal dan eksternal berlandaskan and externally.
rasa saling menghormati.
Responsiveness
Kita bekerja dengan cepat, akurat, dan efektif We work quickly, accurately, and effectively to
dalam memberikan layanan yang terbaik dan deliver prompt service.
tepat waktu.
Innovation
Kita selalu berpikir inovatif untuk We continuously think out of the box to improve
meningkatkan cara kita bekerja, the way we work, making it simpler, better and
membuatnya lebih mudah, lebih baik, dan faster.
lebih cepat.
Caring
Kita menaruh perhatian dan menghargai We are attentive and respect our customers,
nasabah, rekan kerja, masyarakat, investor, colleagues, communities, investors, and
dan regulator. regulators.
Excellence
Kita memberikan layanan prima kepada We deliver service excellence to our customers
nasabah dan menghasilkan kinerja yang and drive optimal performance in our day to day
optimal dalam pekerjaan sehari-hari. job.

Komitmen terhadap
Pemangku Kepentingan
Commitment to Stakeholders
Nasabah
Customers
Berkomitmen untuk melebihi
ekspektasi nasabah.
Karyawan
Committed to be beyond Our People
customer’s expectation. Berinvestasi pada Sumber
Daya Manusia (SDM) dan
memungkinkan mereka untuk
belajar dan bertumbuh dalam
membuat perbedaan.
01
Investing in Human Resources
and encouraging them to learn
and grow in making a difference.
02
05
Regulator
Regulators
Menjadi teladan dalam tata
kelola perusahaan dan standar
etika dalam melakukan bisnis.
Be an example in corporate
governance and standard of
ethics in running a business.
03
Masyarakat
Communities
Bertanggung jawab dan
04
berkomitmen pada komunitas.
Responsible and committed to
the communities.
Pemegang Saham
Shareholders
Memberikan kinerja superior dan
menguntungkan serta meningkatkan
bisnis yang berkelanjutan.
Providing superior and profitable
performances and increasing
sustainable business.


Main Highlights
Management Reports
Company Profile
Risk Management
Operational Review


Profil Dewan Komisaris

Board of Commissioners’ Profile

Komisaris Utama
Warga Negara Argentina, berusia 46 tahun, dan berdomisili di Singapura.
Argentine Citizen, 46 years old, and who resides in Singapore.
Riwayat Pendidikan Educational Background

Sebastian memperoleh gelar Bachelors Degree di bidang Human Sebastian holds a Bachelors Degree in Human Resources from
Resources dari University of Buenos Aires, Argentina (1995), dan the University of Buenos Aires, Argentina (1995) and an MBA
gelar MBA dari Instituto para el Desarrollo Empresarial Argentino, from Instituto para el Desarrollo Empresarial Argentino, Argentina,
Argentina, dimana beliau berpartisipasi dalam program pertukaran where he participated in an exchange programme with the
dengan University of San Diego, Amerika Serikat (1997). University of San Diego, USA (1997).
Riwayat Jabatan Professional Background

Dasar Hukum & Masa Jabatan Legal Basis & Tenure
Diangkat sebagai Komisaris Utama PermataBank berdasarkan Appointed as President Commissioner of PermataBank pursuant
hasil RUPS Tahunan tanggal 29 Maret 2017, dan efektif diangkat to the resolutions of Annual GMS on 29 March 2017, and
pada 10 Mei 2017. appointed to the role on 10 May 2017.
Sebelumnya beliau menjabat sebagai Komisaris PermataBank He previously served as Commissioner of PermataBank pursuant
sesuai hasil RUPS Tahunan tanggal 24 April 2015, dengan tanggal to the resolutions of Annual GMS on 24 April 2015, and appointed
efektif menjabat pada 24 Juni 2015. to the role on 24 June 2015.
Rangkap Jabatan Multiple Board Membership

Juga menjabat sebagai Anggota Komite Remunerasi dan Also serves as Member of Remuneration and Nomination
Nominasi. Committee.
Saat ini Sebastian juga menjabat sebagai Regional Head, Retail Currently, Sebastian also serves as the Regional Head for Retail Banking
Clients, ASEAN & Asia Selatan di Standard Chartered Bank (sejak Juli - ASEAN & South Asia at Standard Chartered Bank (since July 2014),
2014), dengan wilayah yang meliputi Singapura, India, Bangladesh, the retail banking region comprises Singapore, India, Bangladesh,
Malaysia, Indonesia, Vietnam, Brunei, Sri Lanka dan Nepal. Malaysia, Indonesia, Vietnam, Brunei, Sri Lanka and Nepal.
Pengalaman Kerja Professional Experience

Sebastian memiliki lebih dari 20 tahun pengalaman perbankan Sebastian has more than 20 years of international banking
internasional. Sebelum berkarier di Standard Chartered Bank, experience. Prior to Standard Chartered Bank, he was with HSBC
beliau bekerja di HSBC Brazil menjabat sebagai Executive Director Brazil as Executive Director and Head of Retail Banking and Wealth
dan Head of Retail Banking and Wealth Management, dan sebagai Management, and President of HSBC Insurance (July 2010 -
President of HSBC Insurance (Juli 2010 - Januari 2014). January 2014).
Beliau juga membangun berbagai bisnis untuk HSBC di Asia. Di He also built various businesses for HSBC in Asia. In Singapore,
Singapura, beliau pernah menjabat sebagai Country Head of he was Country Head of Personal Financial Services & Regional
Personal Financial Services & Regional Head of Offshore Banking Head of Offshore Banking for South East Asia (August 2008
untuk Asia Tenggara (Agustus 2008 - Juni 2010), sebagai Country - June 2010), Country Head of Personal Financial Services in
Head of Personal Financial Services di Korea (Februari 2006 - Juli Korea (February 2006 - July 2008), Head of Premier & Regional
2008), Head of Premier & Regional Offshore Banking di Singapura Offshore Banking in Singapore (June 2004 - January 2006), Vice
(Juni 2004 - Januari 2006), Vice President Distribution and President of Distribution and Premier Banking in the Philippines
Premier di HSBC Filipina (Juli 2001 - Mei 2004), dan Assistant (July 2001 - May 2004), and Assistant Vice President in Strategy
Vice President Strategy and Planning di HSBC Argentina (Juli and Planning at HSBC Argentina (July 1997 - June 2001).
1997 - Juni 2001).
Pendidikan/Pelatihan Tahun 2019 Workshop/Trainings in 2019

Selama tahun 2019, beliau telah mengikuti beberapa pelatihan During 2019, he has participated in competence enhancement
peningkatan kompetensi, sebagai berikut: trainings, such as:
1. Enterprise Risk Management Framework, diadakan oleh 1. Enterprise Risk Management Framework, held by Standard
Standard Chartered (21 Januari 2019). Chartered (21 January 2019).
2. CORE ORMAF – Risk Management Refreshment (21 Februari 2. CORE ORMAF – Risk Management Refreshment (21 February
2019). 2019).
3. IFRS9 – key drivers and business implications in Retail Banking, 3. IFRS9 – key drivers & business implications in Retail Banking,
diadakan oleh Standard Chartered (11 Maret 2019). held by Standard Chartered (11 March 2019).
4. Inclusive Leadership Program, diadakan oleh Standard 4. Inclusive Leadership Program, held by Standard Chartered (30
Chartered (30 April 2019). April 2019).
5. Adobe Symposium in Australia (Digital Banking) (27-28 Juni 5. Adobe Symposium in Australia (Digital Banking) (27-28 June
2019). 2019).
6. Information and Cyber Security Teach in Session (16 Juli 2019). 6. Information and Cyber Security Teach in Session (16 July 2019).
7. Anti-Money Laundering & Counter Terrorist Financing, 7. Anti-Money Laundering & Counter Terrorist Financing, held by
diadakan oleh Standard Chartered (10 September 2019). Standard Chartered (10 September 2019).
8. Rejecting Bribery & Corruption, diadakan oleh Standard 8. Rejecting Bribery & Corruption, held by Standard Chartered (24
Chartered (24 September 2019). September 2019).
9. Understanding Sanctions, diadakan oleh Standard Chartered 9. Understanding Sanctions, held by Standard Chartered (27
(27 September 2019). September 2019).
10. FINTECH in SG (11-12 November 2019. 10. FINTECH in SG (11-12 November 2019).
Hubungan Afiliasi Affiliate Relations

Beliau memiliki hubungan afiliasi dengan pemegang saham utama He has affiliations with a major shareholder (Standard Chartered
(Standard Chartered Bank). Bank)


Main Highlights
Management Reports
Company Profile
Risk Management
Operational Review
Suparno Djasmin
Wakil Komisaris Utama
Vice President Commissioner
Warga Negara Indonesia, berusia 58 tahun, dan berdomisili di Jakarta.
Indonesian Citizen, 58 years old, and who resides in Jakarta.

Beliau memperoleh gelar Sarjana di bidang Teknologi Pangan dari He holds Bachelor degree in Food Technology from Institut
Institut Pertanian Bogor pada tahun 1986. Pertanian Bogor in 1986.

Diangkat sebagai Wakil Komisaris Utama PermataBank sesuai Appointed as Vice President Commissioner of PermataBank
hasil RUPS Tahunan PermataBank tanggal 29 Maret 2017, dan pursuant to the Annual GMS resolutions of PermataBank on 29
efektif diangkat pada tanggal 25 Juli 2017. March 2017, and appointed to the role on 25 July 2017.

Juga menjabat sebagai Anggota Komite Remunerasi dan Also serves as Member of Remuneration and Nomination
Nominasi. Committee.
Saat ini, beliau juga menjabat beberapa posisi, antara lain sebagai Currently, Mr. Suparno Djasmin also holds several positions,
berikut: among others as follows:
• Direktur PT Astra International Tbk sejak tahun 2014; • Director of PT Astra International Tbk since 2014;
• Ketua Dewan Pengawas Dana Pensiun Astra Satu dan Dua • Chairman of Supervisory Board of Dana Pensiun Astra Satu
sejak tahun 2016; and Dua since 2016;
• Presiden Komisaris PT Federal International Finance sejak • President Commissioner of PT Federal International Finance
tahun 2016; since 2016;
• Wakil Presiden Komisaris PT Astra Aviva Life sejak tahun 2016; • Vice President Commissioner of PT Astra Aviva Life since
2016;
• Presiden Komisaris PT Astra Sedaya Finance sejak tahun • President Commissioner of PT Astra Sedaya Finance since
2017; 2017;
• Presiden Komisaris PT Asuransi Astra Buana sejak tahun 2017; • President Commissioner of PT Asuransi Astra Buana since
dan 2017; and
• Presiden Komisaris PT Astra Mitra Ventura sejak tahun 2017. • President Commissioner of PT Astra Mitra Ventura since 2017.

Beliau memulai kariernya di Grup Astra sejak tahun 1987 dan He started his career at Astra Group since 1987 and has served
pernah menduduki berbagai posisi penting dan strategis, antara several important and strategic positions, among others as:
lain sebagai: Wakil Presiden Komisaris PT Astra Sedaya Finance; Vice President Commissioner of PT Astra Sedaya Finance;
Komisaris PT Asuransi Astra Buana, PT Astra Mitra Ventura, Commissioner of PT Asuransi Astra Buana, PT Astra Mitra
PT Astra Sedaya Finance dan PT Menara Astra; Wakil Presiden Ventura, PT Astra Sedaya Finance and PT Menara Astra; Vice
Direktur PT Toyota Astra Motor; CEO di beberapa sales operation President Director of PT Toyota Astra Motor; CEO in some of sales
PT Astra International Tbk; Marketing Director di PT Astra Daihatsu operation of PT Astra International Tbk; Marketing Director of
Motor; serta Marketing Research & Development Manager di PT Astra Daihatsu Motor; and Marketing Research & Development
PT Astra Sedaya Finance. Manager of PT Astra Sedaya Finance.

Selama tahun 2019, beliau telah mengikuti beberapa pelatihan During 2019, he has participated in some competence
peningkatan kompetensi, sebagai berikut: enhancement trainings, as follows:
1. Sharing Session on Leadership Role (sebagai pembicara), 1. Sharing Session on Leadership Role (as the speaker), AAPI,
Asosiasi Perusahaan Pembiayaan Indonesia (APPI), Jakarta Jakarta (20 June 2019).
(20 Juni 2019).
2. Digital and Risk Management in Insurance Seminar 2019, 2. Digital and Risk Management in Insurance Seminar 2019, AAJI,
Asosiasi Asuransi Jiwa Indonesia (AAJI), Bali (25-27 Bali (25-27 September 2019).
September 2019).

Beliau memiliki hubungan afiliasi dengan pemegang saham utama He has affiliation with the main shareholder (PT Astra International
(PT Astra International Tbk). Tbk).


David Allen Worth

Komisaris Independen
Independent Commissioner
Warga Negara Amerika Serikat, berusia 58 tahun, dan berdomisili di Jakarta.
United States of America Citizen, 58 years old, and who resides in Jakarta.

Memperoleh gelar Master of Business Administration dari Rice He holds a Master of Business Administration degree from Rice
University (1984-1986) dengan jurusan Finance dan gelar University (1984-1986) with a concentration in Finance and a
Bachelor of Science di bidang Foreign Service dari Georgetown Bachelor of Science degree and Foreign Service from Georgetown
University (1979-1983) dengan jurusan International Economics University (1979-1983) with a major in International Economics
dan Arab Studies. and a minor in Arab Studies.

Diangkat sebagai Komisaris Independen PermataBank sesuai Appointed as Independent Commissioner of PermataBank
hasil RUPS Luar Biasa tanggal 12 Agustus 2009, dan masa pursuant to the Extraordinary GMS resolutions on 12 August
jabatannya diperpanjang kembali berdasarkan RUPS Tahunan 2009, and his term of office is extended based on the Annual GMS
tanggal 24 April 2018. dated 24 April 2018.

• Juga menjabat sebagai Ketua dan Anggota Komite di • Also serves as Chairman and Member of Committee in
PermataBank: PermataBank:
- Ketua Komite Audit; - Chairman of Audit Committee;
- Ketua Komite Pemantau Risiko; dan - Chairman of Risk Monitoring Committee; and
- Anggota Komite Remunerasi dan Nominasi. - Member of Remuneration and Nomination Committee.
• Beliau menjabat sebagai Non-Executive Director Sentosa • He is a Non-Executive Director of Sentosa Capital, an Asia
Capital, Asia Hedge Credit Fund, yang berdomisili di Singapura. Credit Hedge Fund based in Singapore.

Sebelumnya beliau menjabat sebagai Komisaris PermataBank He previously served as Commissioner of PermataBank pursuant
sesuai hasil RUPS Luar Biasa PermataBank tanggal 17 Oktober to the resolutions of PermataBank’s Extraordinary GMS on 17
2006. October 2006.
Beliau memulai karier profesionalnya pada tahun 1986-1988 He began his professional career in 1986-1988 as Financial
sebagai Financial Analyst di First Interstate Bank di Los Angeles, Analyst at First Interstate Bank in Los Angeles, California and
California dan selanjutnya sebagai Interest Rate Derivatives later as Interest Rate Derivatives Trader. He then joined Standard
Trader. Kemudian bergabung dengan Standard Chartered Bank, Chartered Bank, Hong Kong in 1993 and held various positions,
Hong Kong pada tahun 1993 dan sejak saat itu memegang including Group Head of Financial Engineering and Interest
berbagai posisi, termasuk Group Head Financial Engineering Rate Derivatives, Group Head of Global Products and as Group
and Interest Rate Derivatives, Group Head Global Products dan Head of Capital Markets from 2001 to 2006, and President
Group Head Capital Markets dari tahun 2001 hingga tahun 2006, Commissioner of Standard Chartered Securities (2004 - July
serta Presiden Komisaris Standard Chartered Securities (2004 2009). He spearheaded the growth in SCB’s domestic currency
- Juli 2009). Selama masa kerjanya di SCB, beliau bertanggung interest rate derivatives, fixed income, credit derivatives and asset
jawab mempelopori pertumbuhan usaha SCB di bidang currency securitization businesses around the globe during his tenure with
interest rate derivatives, fixed income, credit derivatives dan the bank.
asset securitization di seluruh dunia.
Beliau juga memberikan pembinaan eksekutif untuk para CEO David also provides executive coaching to CEOs and company
dan direksi perusahaan serta jasa penasehat keuangan, termasuk directors as well as financial advisory services, including
penggalangan dana dan penasihat risiko untuk perusahaan di Asia fundraising and risk advisory to corporates in Southeast Asia.
Tenggara.

Selama tahun 2019, beliau telah mengikuti pelatihan peningkatan During 2019, he has participated in competence enhancement
kompetensi, sebagai berikut: training traini, as follows :
1. “Analysis of Sovereign & Country Risk” diselenggarakan oleh 1. “Analysis of Sovereign & Country Risk” organized by Moody’s
Moody’s Analytics, di Singapura (21-22 November 2019). Analytics in Singapore (21- 22 November 2019).

Beliau tidak memiliki hubungan afiliasi dengan anggota Dewan He does not have any affiliations with fellow members of the Board
Komisaris lainnya, maupun dengan anggota Direksi, atau dengan of Commissioners, or members of the Board of Directors, nor with
pemegang saham utama. the main shareholders.


Main Highlights
Management Reports
Company Profile
Risk Management
Operational Review
Haryanto Sahari

Beliau memperoleh gelar Sarjana Ekonomi Jurusan Akuntansi dari He holds a Bachelor of Economics degree majoring in Accounting
Universitas Indonesia pada tahun 1982. from the University of Indonesia in 1982.
Afiliasi profesional: Professional affiliations:

• Anggota Ikatan Akuntan Indonesia (IAI) - Chartered • Member of Indonesian Institute of Accountant (IAI) – Chartered
Accountant (CA). Accountant (CA).
• Anggota Institut Akuntan Publik Indonesia (IAPI) - Akuntan • Member of Indonesia Public Accountant Association (IAPI) –
Publik Bersertifikat (CPA). Certified Public Accountant (CPA).

hasil RUPS Luar Biasa PermataBank tanggal 26 September 2017, pursuant to the Extraordinary GMS resolutions on 26 September
dan efektif diangkat pada tanggal 8 November 2017. 2017, and appointed to the role on 8 November 2017.

Saat ini Bapak Haryanto juga menjabat sebagai: Currently Mr. Haryanto also holds several roles, as:
• Anggota Komite Audit PermataBank; • Member of Audit Committee at PermataBank;
• Anggota Komite Audit di Universitas Indonesia sejak November • Member of Audit Committee at the University of Indonesia
2016; since November 2016;
• Anggota Komite Audit di PT Unilever Tbk sejak Oktober 2016; • Member of Audit Committee at PT Unilever Tbk since October 2016;
• Anggota Komite Audit di PT Medikaloka Hermina Tbk sejak • Member of Audit Committee at PT Medikaloka Hermina Tbk
November 2017; dan since November 2017; and
• Komisaris Independen dan Ketua Komite Audit di PT Cardig • Independent Commissioner and Chairman of Audit Committee
Aero Services Tbk sejak Oktober 2019. at PT Cardig Aero Services Tbk since October 2019.

Sebelumnya Bapak Haryanto pernah menjabat sebagai Presiden Formerly, Mr. Haryanto was a President Commissioner in several
Komisaris di berbagai perusahaan yaitu PT Batanghari Sawit companies such as PT Batanghari Sawit Sejahtera, PT Kaswari
Sejahtera, PT Kaswari Unggul, PT Flora Wahana Tirta, PT Ekajaya Unggul, PT Flora Wahana Tirta, PT Ekajaya Multiperkasa,
Multiperkasa, PT Aditarwan, PT Arta Prigel, PT Perkebunan Inti PT Aditarwan, PT Arta Prigel, PT Perkebunan Inti Sawit Subur, and
Sawit Subur, dan PT Bukit Barisan Indah Prima, sejak September PT Bukit Barisan Indah Prima, since September 2011 to October
2011 sampai dengan October 2019. 2019.
Posisi penting lainnya yang pernah dijabat oleh Bapak Haryanto Other previous important positions held by Mr. Haryanto as
antara lain sebagai: follows:
• Komisaris PT Kikim Resources dari Oktober 2012 sampai • Commissioner of PT Kikim Resources from October 2012 to
dengan Juni 2017; June 2017;
• Komisaris PT Agri Capital Resources dari Mei 2010 sampai • Commissioner of PT Agri Capital Resources from May 2010 to
dengan Juli 2016; July 2016;
• Komisaris PT Tempirai Palm Resources dari Juni 2009 sampai • Commissioner of PT Tempirai Palm Resources from June 2009
dengan Juli 2016; to July 2016;
• Komisaris PT Rambang Agro Jaya dari Agustus 2008 sampai • Commissioner of PT Rambang Agro Jaya from August 2008 to
dengan Juli 2016; July 2016;
• Asisten Manager di Arthur Young (KAP Santoso Harsokusumo • Assistant Manager at Arthur Young (Public Accounting Firm
Indonesia) dari tahun 1980 sampai tahun 1984; Santoso Harsokusumo Indonesia) since 1980 to 1984;
• Senior Auditor di PwC Australia pada tahun 1987; • Senior Auditor in PwC Australia in 1987;
• Partner di PricewaterhouseCoopers (PwC) Indonesia sejak • Partner at PricewaterhouseCoopers (PwC) Indonesia from
tahun 1990 sampai dengan Juni 2017; dan 1990 to June 2017; and
• Country Senior Partner di Price waterhouseCoopers (PWC) • Country Senior Partner at PricewaterhouseCoopers (PWC)
Indonesia sejak tahun 1996 sampai dengan tahun 2006. Indonesia since 1996 to 2006.

Selama tahun 2019, beliau telah mengikuti beberapa pelatihan peningkatan kompetensi, During 2019, he has participated in some competence enhancement trainings, as follows:
sebagai berikut:
1. Lokakarya “Fraud Risk Management”, diselenggarakan oleh Institut Akuntan Publik Indonesia 1. Workshop on “Fraud Risk Management”, organized by Indonesian Institute of Certified Public
bekerja sama dengan IFAC (Federasi Akuntan International) (15 Mei 2019). Accountants in associate with IFAC (International Federation of Accountants) (15 May 2019).
2. Lokakarya Akuntansi “Temuan Regulator atas Kelemahan Audit Laporan Keuangan dan 2. Accounting Workshop “Regulator’s Findings on Weaknesses Audit of Financial Statements
Mitigasinya”, diselenggarakan oleh Institut Akuntan Publik Indonesia bekerja sama dengan IFAC and Mitigations”, organized by Indonesian Institute of Certified Public Accountants in associate
(Federasi Akuntan International) (15 Agustus 2019). with IFAC (International Federation of Accountants) (15 August 2019).
3. Lokakarya Akuntansi “Aspek Akuntansi dan Audit dari Penerapan PSAK 71, Instrumen Keuangan 3. Accounting Workshop “Accounting and Auditing Aspects of the Application of PSAK 71,
pada Perusahaan Pembiayaan”, diselenggarakan oleh Institut Akuntan Publik Indonesia bekerja Financial Instruments in Financing Companies”, organized by Indonesian Institute of Certified
sama dengan Otoritas Jasa Keuangan (OJK) (28 Agustus 2019). Public Accountants in associate with Indonesia Financial Services Authority (28 August 2019).
4. Sebagai pembicara pada Forum Lembaga Komisaris dan Direktur Indonesia (LKDI) “Peran Komisaris 4. As speaker on the Indonesian Institute of Commissioners and Directors Forum “The Role of Independent
Independen dalam Pengawasan atas Keandalan Laporan Keuangan” (5 September 2019). Commissioners in oversight of the Reliability of the Financial Statements” (5 September 2019).
5. Forum Komite Audit & Risk Management Astra Group “Lesson Learned from Recent Corporate 5. Audit Committee & Risk Management Committee Astra Group Forum “Lesson Learned from
Failures” diadakan oleh PWC Indonesia (15 September 2019). Recent Corporate Failures”, organized by PWC Indonesia (15 September 2019).
6. Lokakarya “Pemahaman atas Implementasi PSAK 71 dan 73 yang akan diterapkan pada tahun 6. Workshop “Understanding of the implementation of PSAK 71 & 73 which will be applied in
2020 dan Diskusi mengenai Penyusunan POJK 51”, diselenggarakan oleh Forum Komunikasi 2020 and Discussion on the preparation of POJK 51”, organized by Communication Forum for
Direktur Kepatuhan Perbankan (26 September 2019). Banking Compliance Director (26 September 2019).
7. Lokakarya “Penyusunan Annual Report (Laporan Tahunan)”, diselenggarakan oleh Institut 7. Workshop “How to Compose the Annual Report”, organized by Indonesian Institute of Certified
Akuntan Publik Indonesia (26 November 2019). Public Accountants (26 November 2019).
8. Lokakarya “Aspek Akuntansi dan Audit dalam Penyusunan Laporan Keuangan Dana Pensiun”, 8. Workshop “Accounting and Audit Aspects in the Compilation of Pension Fund Financial
diselenggarakan oleh Institut Akuntan Publik Indonesia bekerja sama dengan IFAC (Federasi Statements”, organized by the Indonesian Institute of Certified Public Accountants in
Akuntan International) (12 Desember 2019). collaboration with IFAC (International Accountants Federation) (12 December 2019).

Beliau tidak memiliki hubungan afiliasi dengan anggota Dewan Komisaris lainnya, maupun He does not have any affiliations with fellow members of the Board of Commissioners, or
dengan anggota Direksi, atau dengan pemegang saham utama. members of the Board of Directors, nor with the main shareholders.


Zulkifli Zaini

Beliau memperoleh gelar Sarjana di bidang Teknik Sipil dari Institut He holds a Bachelor of Civil Engineering degree from Bandung
Teknologi Bandung pada tahun 1980 dan memperoleh gelar Institute of Technology in 1980 and a Master of Business
Master of Business Administration dari Washington University, Administration degree from Washington University, United States
Amerika Serikat pada tahun 1994. of America in 1994.

hasil RUPS Luar Biasa PermataBank tanggal 26 September 2017, pursuant to the Extraordinary GMS resolutions of PermataBank on
dan efektif diangkat pada tanggal 8 November 2017. 26 September 2017, and appointed to the role on 8 November 2017.

Juga menjabat sebagai Ketua dan Anggota Komite di Also serves as Chairman and Member of Committee in
PermataBank: PermataBank:
• Ketua Komite Remunerasi dan Nominasi; • Chairman of Remuneration and Nomination Committee;
• Ketua Komite Tata Kelola Terintegrasi; dan • Chairman of Integrated Corporate Governance Committee; and
• Anggota Komite Pemantau Risiko. • Member of Risk Monitoring Committee.
Saat ini beliau juga menjabat sebagai Komisaris Independen Currently, he also holds position as Independent Commissioner of
PT Triputra Agro Persada Group sejak Juni 2013. PT Triputra Agro Persada group since June 2013.

Sebelumnya beliau pernah menjabat berbagai posisi penting lain Previously, he has held several important positions as follows:
antara lain sebagai berikut:
• Direktur PT Bank Mandiri (Persero) Tbk dari September 2003 • Director of PT Bank Mandiri (Persero) Tbk from September
sampai dengan Juli 2010; 2003 until July 2010;
• Direktur Utama PT Bank Mandiri (Persero) Tbk dari Juli 2010 • President Director of PT Bank Mandiri (Persero) Tbk from July
sampai dengan April 2013; 2010 until April 2013;
• Komisaris PT PLN (Persero) dari Juli 2013 sampai dengan April • Commissioner of PT PLN (Persero) from July 2013 until April
2015; 2015;
• Komisaris Independen PT Bank Negara Indonesia (Persero) • Independent Commissioner of PT Bank Negara Indonesia
Tbk dari Maret 2015 sampai dengan Maret 2016; (Persero) Tbk from March 2015 until March 2016;
• Anggota Komite Nominasi dan Remunerasi serta Ketua Komite • Member of Remuneration and Nomination Committee and also
Pemantau Risiko di PT Bank Negara Indonesia (Persero) Tbk Chairman of Risk Supervisory Committee in PT Bank Negara
dari Maret 2015 sampai dengan Maret 2016; dan Indonesia (Persero) Tbk from March 2015 until March 2016; and
• Komisaris Independen PT Indonesia Infrastructure Finance • Independent Commissioner PT Indonesia Infrastructure
sejak Juni 2016 sampai dengan November 2017. Finance since June 2016 to November 2017.

Selama tahun 2019, beliau telah mengikuti pelatihan peningkatan During 2019, he has participated in a competence enhancement
kompetensi: training, as follows:
1. PSAK 71 Impairment Deep Dive, Jakarta (24-25 Oktober 1. PSAK 71 Impairment Deep Dive, Jakarta (24-25 October
2019). 2019).
2. Diskusi Panel “Peranan dan Tanggung Jawab Komisaris 2. Panel Discussion ”the Roles and Responsibilities of
Independen sebagai Ketua Komite (sebagai pembicara), Independent Commissioner as a Committee Chairman” (as
Jakarta (27 November 2019). speaker), Jakarta (27 November 2019).



Main Highlights
Management Reports
Company Profile
Risk Management
Operational Review
Rahmat Waluyanto

Beliau memperoleh gelar Sarjana Ekonomi dari Universitas Gadjah He holds a Bachelor of Economy degree from University of Gadjah
Mada pada tahun 1983, gelar Master of Business Administration Mada in 1983, a Master of Business Administration degree from
dari University of Denver pada tahun 1992, dan memperoleh gelar University of Denver in 1992, and a Doctor of Philosophy (PhD)
Doctor of Philosophy (PhD) dari University of Birmingham pada degree from University of Birmingham in 1997.
tahun 1997.

hasil RUPS Tahunan PermataBank tanggal 24 April 2018, dan pursuant to the Annual GMS resolutions of PermataBank on 24
efektif diangkat pada 11 Juli 2018. April 2018, and appointed to the role on 11 July 2018.

Juga menjabat sebagai Anggota Komite Tata Kelola Terintegrasi Also serves as Member of Integrated Governance Committee in
di PermataBank. PermataBank.
Saat ini beliau juga menjabat sebagai Komisaris Utama salah Currently, he also holds position as President Commissioner of one
satu Self-Regulatory Organization di Pasar Modal (PT Kustodian of Self-Regulatory Organization in Capital Market (PT Kustodian
Sentral Efek Indonesia). Sentral Efek Indonesia).

Sebelumnya beliau pernah menjabat berbagai posisi penting lain Previously, he has held several important positions as follows:
antara lain sebagai berikut:
• Wakil Ketua Dewan Komisioner Otoritas Jasa Keuangan • Vice Chairman of Otoritas Jasa Keuangan Commissioners
periode September 2012 sampai dengan Juli 2017, yang Board from September 2012 until July 2017, who responsible
bertanggung jawab sebagai Ketua Dewan Komite Etik, as Ethic Committee Chairman, HR, Logistic, Finance, OJK
Departemen Hukum, SDM, Logistik, Keuangan, OJK Institute, Institute, Organization, and IT;
Organisasi dan IT;
• Direktur Jenderal di Ditjen Pengelolaan Utang Kementerian • General Director at Directorate General of Debt Management
Keuangan dari November 2006 sampai dengan Juni 2012; Ministry of Finance from November 2006 until June 2012;
• Direktur di Direktorat Pengelolaan SUN Kementerian Keuangan • Director at Directorate SUN Management Ministry of Finance
dari Juli 2004 sampai dengan Oktober 2006; from July 2004 until October 2006;
• Kepala Sub Direktorat Manajemen Portofolio dan Risiko di • Chairman of Sub Directorate Portfolio and Risk at Central Bond
Pusat Manajemen Obligasi Negara Kementerian Keuangan Management of Ministry of Finance from March 2001 until
dari Maret 2001 sampai dengan Juni 2004; dan June 2004; and
• Kepala Sub Direktorat Akuntansi dan Jasa Penilai di Direktorat • Chairman of Sub Directorate Accounting and Appraisal at
Pembinaan Akuntan dan Jasa Penilai Kementerian Keuangan Directorate of Accounting Development and Appraisal of the
dari Februari 2000 sampai dengan Februari 2001. Ministry of Finance from February 2000 until February 2001.

Selama tahun 2019, beliau telah mengikuti pelatihan peningkatan During 2019, he has participated in a competence enhancement
kompetensi: training, as follows:
1. Interest Rate Risk in Banking Book, Bankers Association for 1. Interest Rate Risk in Banking Book, Bankers Association for
Risk Management (BARa), Jakarta (29 Januari 2019). Risk Management (BARa), Jakarta (29 January 2019).
2. Executive Risk Management Refresher Program, 2. Executive Risk Management Refresher Program, organized
diselenggarakan oleh Lembaga Pengembangan Perbankan by Indonesian Banking Development Institute (LPPI), Europe
Indonesia (LPPI), Eropa (12-21 Juli 2019). (12-21 July 2019).



Mark Spencer Greenberg

Komisaris
Commissioner
Warga Negara Inggris, berusia 50 tahun, dan berdomisili di Hong Kong.
British Citizen, 50 years old, and who resides in Hong Kong.

Setelah lulus dari Hertford College, Oxford University pada tahun He graduated from Hertford College, Oxford University in 1990,
1990, beliau mendapatkan gelar Master of Arts di bidang Modern with a Master of Arts degree in Modern History.
History.

Diangkat sebagai Komisaris PermataBank sesuai hasil RUPS Appointed as Commissioner of PermataBank pursuant to the
Tahunan PermataBank tanggal 15 Mei 2007 dan diangkat kembali Annual GMS resolutions of PermataBank on 15 May 2007, and
berdasarkan RUPS Tahunan PermataBank tanggal 29 Maret 2017. was reappointed pursuant to the Annual GMS of PermataBank on
29 March 2017.

Saat ini, beliau juga menjabat Direktur Group Strategy Jardine Currently, he is a Group Strategy Director of Jardine Matheson
Matheson Holdings Limited dan Direktur Jardine Matheson Holdings Limited and a Director of Jardine Matheson Limited,
Limited, Dairy Farm, Hong Kong Land, Jardine Cycle & Carriage, Dairy Farm, Hong Kong Land, Jardine Cycle & Carriage, Mandarin
Mandarin Oriental serta Komisaris PT Astra International Tbk. Oriental and Commissioner of PT Astra International Tbk.

Sebelumnya, beliau telah bekerja selama 16 tahun di bidang Previously, he had worked for 16 years in investment banking with
investment banking dengan Dresdner Kleinwort Wasserstein di Dresdner Kleinwort Wasserstein in London.
London.

1. HSBC Asian Outlook 2019, diselanggarakan oleh HSBC, Hong 1. HSBC Asian Outlook 2019, organized by HSBC, Hong Kong
Kong (17 Januari 2019). (17 January 2019).
2. CLSA Investors’ Forum 2019, diselenggarakan oleh CLSA, 2. CLSA Investors’ Forum 2019, organized by CLSA, Hong Kong
Hong Kong (9-13 September 2019). (9-13 September 2019).
3. Directors Development Program - Impact of Virtual Banks 3. Directors Development Program - Impact of Virtual Banks
2019, Hong Kong (26 Juni 2019). 2019, Hong Kong (26 June 2019).

Beliau memiliki hubungan afiliasi dengan pemegang saham He has affiliation with the main shareholder (PT Astra International
Utama (PT Astra International Tbk). Tbk).


Main Highlights
Management Reports
Company Profile
Risk Management
Operational Review
Ian Charles Anderson

Komisaris
Commissioner
Warga Negara Inggris, berusia 47 tahun, dan berdomisili di Singapura.
British Citizen, 47 years old, and who resides in Singapore.

Beliau memperoleh gelar Bachelor of Arts di bidang Ekonomi dari He holds a Bachelor of Arts degree in Economics from Lancaster
Lancaster University, Inggris pada tahun 1990 dan memperoleh University in 1990 and Master of Arts degree in International
gelar Master of Arts di bidang International Banking and Finance Banking and Finance from Reading University, United Kingdom
dari Reading University, Inggris pada tahun 1993. in 1993.

Diangkat sebagai Komisaris PermataBank sesuai hasil RUPS Appointed as Commissioner of PermataBank pursuant to the
Tahunan PermataBank tanggal 29 Maret 2017, dan efektif Annual GMS resolutions on 29 March 2017, and appointed to the
diangkat pada 20 Juli 2017. role on 20 July 2017.

Juga menjabat sebagai Anggota Komite Pemantau Risiko Also serves as Member of Risk and Monitoring Committee of
PermataBank. PermataBank.
Saat ini beliau juga menjabat sebagai Global Head, Enterprise Risk Currently, he also serves as Global Head, Enterprise Risk
Management Standard Chartered Bank Singapore sejak bulan Juli Management, Standard Chartered Bank Singapore since July
2019. 2019.

Sebelumnya beliau pernah menjabat beberapa posisi penting di Previously, he has served several important positions, among
antaranya sebagai: others:
• Global Head, Regions and Retail Risk (2018-2019) dan • Global Head, Regions and Retail Risk (2018-2019) and
Regional Chief Risk Officer, ASEAN & South Asia Standard Regional Chief Risk Officer, ASEAN & South Asia Standard
Chartered Bank Singapore (2016-2019); Chartered Bank Singapore (2016-2019);
• Global Head, Group Special Asset Management Standard • Global Head, Group Special Asset Management, Standard
Chartered Bank, Inggris (2014-2016); Chartered Bank United Kingdom (2014-2016);
• Managing Director, Asia Pacific & Japan Head – Institutional • Managing Director, Asia Pacific & Japan Head – Institutional
Recovery Management di Citibank Hong Kong (2006-2009); Recovery Management at Citibank Hong Kong (2006-2009);
• Director of Institutional Recovery Management di Citibank • Director of Institutional Recovery Management at Citibank
Inggris (2002-2006); dan United Kingdom (2002-2006); and
• Credit Analyst di Royal Bank of Canada – Inggris dan Kanada • Credit Analyst at Royal Bank of Canada, United Kingdom and
(1994-1999). Canada (1994-1999).
Selain berkarier di bidang perbankan, beliau pernah berkarier In additional of his career in banking, he has previously
sebagai Partner, London Debt Advisory & Restructuring di served as Partner, London Debt Advisory & Restructuring at
PricewaterhouseCoopers Inggris (2009-2014) dan sebagai Vice PricewaterhouseCoopers, United Kingdom (2009-2014) and as
President, Special Credit Situations di Morgan Stanley Inggris Vice President, Special Credit Situations at Morgan Stanley, United
(1999-2002). Kingdom (1999-2002).

1. Building a Cyber Resilient Financial Institution, diadakan oleh 1. Building a Cyber Resilient Financial Institution, organized by
PwC (31 Januari 2019). PwC (31 January 2019).
2. CROs Luncheon in Shanghai (22 Maret 2019). 2. CROs Luncheon in Shanghai (22 March 2019).
3. SCB Strategy Workshop (26 Maret 2019). 3. SCB Strategy Workshop (26 March 2019).
4. Shiftgear: Executive Engagement Program (14-15 Mei 2019). 4. Shiftgear: Executive Engagement Program (14-15 May 2019).
5. SCB: Inclusive Leadership Program (5 Agustus 2019). 5. SCB: Inclusive Leadership Program (5 August 2019).

Beliau memiliki hubungan afiliasi dengan pemegang saham utama He has affiliation with the main shareholder (Standard Chartered
(Standard Chartered Bank). Bank).

Pernyataan Independensi
Selama menjabat, semua Komisaris Independen telah memenuhi During their tenure, all Independent Commissioners have
kriteria independen sebagaimana diatur dalam peraturan fulfilled the independency criteria as stipulated in the prevailing
yang berlaku serta telah dimuat dalam surat pernyataan yang regulations and have been covered in the statement letter signed
ditandatangani oleh masing-masing Komisaris Independen. by each Independent Commissioner.
Komisaris Independen yang telah menjabat selama dua periode Independent Commissioner who have served two terms of office
masa jabatan dapat diangkat kembali pada periode selanjutnya may be reappointed in the subsequent period to the extent that
sepanjang Komisaris Independen tersebut menyatakan dirinya the Independent Commissioner state his/her independence to
tetap independen kepada RUPS. Namun demikian, sejak the GMS. However, since the issuance of OJK Regulation Number
berlakunya Peraturan OJK Nomor 55/POJK.03/2016 tentang 55/POJK.03/2016 regarding the Implementation of Corporate
Penerapan Tata Kelola Bagi Bank Umum, tidak terdapat Komisaris Governance for Commercial Banks, there is no Independent
Independen yang menjabat selama 2 (dua) periode masa jabatan Commissioner who serves for 2 (two) consecutive term periods.
berturut-turut.


Main Highlights
Management Reports
Company Profile
Risk Management
Operational Review


Profil Direksi
Board of Directors’ Profile
Direktur Utama
President Director

Beliau memperoleh gelar Doctorate in Business Administration He holds a Doctorate in Business Administration degree from City
dari City University Hong Kong pada tahun 2016. Sebelumnya, University of Hong Kong in 2016. He also earned a Bachelor of
beliau memperoleh gelar Bachelor of Science pada tahun 1985 Science degree in 1985 and a Master of Business Administration
dan memperoleh gelar Master of Business Administration pada degree in 1987 from Ohio University, and also had completed an
tahun 1987 dari Ohio University, serta telah menyelesaikan Advanced Management Program from University of California
Advanced Management Program dari University of California Berkeley-Haas School of Business (2009).
Berkeley-Haas School of Business (2009).

Diangkat sebagai Direktur Utama PermataBank berdasarkan hasil Appointed as President Director of PermataBank pursuant to
RUPS Luar Biasa tanggal 13 Desember 2016 dan efektif diangkat the resolutions of Extraordinary GMS on 13 December 2016 and
pada tanggal 9 Januari 2017. appointed to the role on 9 January 2017.
Beliau diangkat kembali pada RUPS Tahunan tanggal 29 Maret He was reappointed at the Annual GMS on 29 March 2017.
2017.

Tidak ada rangkap jabatan. No multiple board membership.

Beliau pernah menduduki beberapa jabatan senior manajemen, He has served several senior management positions, which
yaitu: Managing Partner di DNB Consulting and Investments include as Managing Partner in DNB Consulting and Investments
Hong Kong (2014-2016); Anggota Dewan Komisaris PT Austindo Hong Kong (2014-2016); Board of Commissioners Member
Nusantara Jaya Tbk (2014-2016); Anggota Dewan Komisaris of PT Austindo Nusantara Jaya Tbk (2014-2016); Board of
Postcard and Tag Hong Kong (2015-2016); Anggota Dewan Commissioners Member of Postcard and Tag Hong Kong (2015-
Komisaris PT Bayan Resources Tbk (2016); Direktur di KKR Hong 2016); Board of Commissioners Member of PT Bayan Resources
Kong (2011-2014); dan Direktur Utama PT Maybank Indonesia Tbk (2016); Director of KKR Hong Kong (2011-2014); and
Tbk (d/h PT Bank InternasionaI Indonesia) (2009-2011). President Director of PT Maybank Indonesia Tbk (previously
known as PT Bank InternasionaI Indonesia) (2009-2011).
Posisi penting lainnya yang pernah dijabat oleh beliau antara Other key positions include: Board of Commissioners Member
lain adalah sebagai anggota Dewan Komisaris di PT Tiga Pilar of PT Tiga Pilar Sejahtera Tbk (2013-2016); President and CEO
Sejahtera Tbk (2013-2016); President and CEO AIG Consumer AIG Consumer Finance, Hong Kong (2006-2008); Banking
Finance, Hong Kong (2006-2008); Banking Head Asia Pacific Head Asia Pacific as well as President and CEO Asia Pacific of the
serta President and CEO Asia Pacific di General Electric Consumer General Electric Consumer Group Company (1995-2006); Head
Group Company (1995- 2006); Head of Corporate Finance di of Corporate Finance of Bankers Trust Jakarta (1993-1995); and
Bankers Trust Jakarta (1993-1995); dan Vice President Corporate Vice President Corporate Banking Group Head of Citibank Jakarta
Banking Group Head di Citibank Jakarta (1987-1993). (1987-1993).

kompetensi, sebagai berikut: training, such as:
1. Level 5 Manajemen Risiko Perbankan, diadakan oleh Lembaga 1. Level 5 Bank Risk Management, held by Banking Profession
Sertifikasi Profesi Perbankan (18 Mei 2019). Certification Institution (18 May 2019).

Beliau tidak memiliki hubungan afiliasi dengan anggota Direksi He does not have any affiliations with fellow members of the Board
lainnya, maupun dengan anggota Dewan Komisaris, atau dengan of Directors, or members of the Board of Commissioners, nor with


Main Highlights
Management Reports
Company Profile
Risk Management
Operational Review
Abdy Dharma Salimin

Direktur Teknologi dan Operasi
Technology and Operations Director

Beliau memperoleh gelar Bachelor of Commerce dari University of He holds a Bachelor of Commerce degree from University of
Toronto, Kanada pada tahun 1989. Toronto, Canada in 1989.

Diangkat sebagai Direktur Teknologi dan Operasi PermataBank Appointed as Technology and Operations Director of PermataBank
berdasarkan keputusan RUPS Luar Biasa PermataBank pada pursuant to the resolutions of Extraordinary GMS on 25 August
tanggal 25 Agustus 2016 dan efektif diangkat pada tanggal 1 2016 and appointed to the role on 1 December 2016.
Desember 2016.
Beliau diangkat kembali pada RUPS Tahunan tanggal 29 Maret He was reappointed at the Annual GMS on 29 March 2017.
2017.


Sebelumnya beliau menjabat berbagai posisi penting di Standard He previously held number of important positions at Standard
Chartered Hong Kong, Singapura, Malaysia, India, termasuk Chartered in Hong Kong, Singapore, Malaysia, India, including
sebagai Global Technology Head for Retail Banking (2015- Global Technology Head for Retail Banking (2015-2016), Global
2016), Global Product Engineering Head for Wholesale & Retail Product Engineering Head for Wholesale & Retail Banking (2013-
Banking (2013-2015), Chief Information Officer for Group Client 2015), Chief Information Officer for Group Client Experience
Experience (2011-2013), Chief Information Officer for Group (2011-2013), Chief Information Officer for Group Preferred, Priority
Preferred, Priority and International Banking (2008-2011), Global and International Banking (2008-2011), Global Head Performance
Head Performance Management for Integrated Distribution Management for Integrated Distribution (2006-2008), and Global
(2006-2008), Global Head Secured Lending Operations (2004- Head Secured Lending Operations (2004-2006), Country
2006), dan Country Operation Head (2001-2003). Operation Head (2001-2003).
Sebelum bergabung dengan Standard Chartered pada tahun Prior to joining Standard Chartered in 2001, Abdy worked for 11
2001, beliau bekerja pada Citibank selama 11 tahun di Indonesia, years at Citibank in Indonesia, Singapore, Poland, Japan, served as
Singapura, Polandia, Jepang sebagai Country Credit Officer, Country Credit Officer, Operation Head, Secured Lending Product
Operation Head, Secured Lending Product Manager, dan Loan Manager, and Loan Servicing Head.
Servicing Head.

1. Refreshment RMC Level 5 – Strengthening Credit Risk 1. Refreshment RMC Level 5 – Strengthening Credit Risk
Management. Management.


Profil Direksi
Lea Setianti Kusumawijaya

Direktur Keuangan
Finance Director

Beliau memperoleh gelar Sarjana Akuntansi dari Universitas She holds a Bachelor degree in Accounting from University of
Trisakti, Jakarta pada tahun 1994 dan gelar Master of Business Trisakti, Jakarta in 1994 and a Master of Business Administration
Administration in International Banking and Finance dari University degree in International Banking and Finance from University of
of Birmingham, Inggris pada tahun 2001. Birmingham, United Kingdom in 2001.

Diangkat sebagai Direktur Keuangan PermataBank berdasarkan Appointed as Finance Director of PermataBank pursuant to the
keputusan RUPS Tahunan PermataBank pada tanggal 29 Maret resolutions of Annual GMS on 29 March 2017 and appointed to
2017 dan efektif diangkat pada 26 April 2017. the role on 26 April 2017.


Beliau sebelumnya pernah menjabat sebagai Chief Financial Previously, she has served as Chief Financial Officer of Standard
Officer di Standard Chartered Bank Indonesia sejak 2014. Beliau Chartered Bank Indonesia since 2014. She has held several
juga pernah menjabat berbagai posisi penting, di antaranya important positions, among others as Chief Financial Officer
sebagai Chief Financial Officer Standard Chartered Bank Standard Chartered Bank Philippines (2013-2014); Chairman
Philippines (2013-2014); Chairman di Price Solutions Philippines of Price Solutions Philippines Incorporation (2013-2014); Board
Incorporation (2013-2014); anggota Direksi Assurance Solutions Member of Assurance Solutions Insurance Agency (2013-2014);
Insurance Agency (2013-2014); Financial Controller di Standard Financial Controller of Standard Chartered Bank Indonesia (2009-
Chartered Bank Indonesia (2009-2013); Head of Origination & 2013); Head of Origination & Client Coverage Business Finance of
Client Coverage Business Finance di Standard Chartered Bank Standard Chartered Bank Indonesia (2008-2009); and Head of
Indonesia (2008-2009); dan Head of Corporate Planning di Corporate Planning of PT Bank Lippo Tbk (2006-2008).
PT Bank Lippo Tbk (2006-2008).
Sebelum berkarier di bidang perbankan, beliau pernah bekerja di Prior to working in banking industry, she has served in big
beberapa kantor akuntan ternama yaitu sebagai Senior Manager, accountant firms as Senior Manager, Transaction Services
Transaction Services di Pricewaterhouse Coopers Indonesia of Pricewaterhouse Coopers Indonesia (2001-2006); and
(2001-2006); dan Supervisor Auditor di KPMG Indonesia (1994- Supervisor Auditor of KPMG Indonesia (1994-2000).
2000).

Selama tahun 2019, beliau telah mengikuti beberapa pelatihan During 2019, she has participated in competence enhancement
1. Asia Leaders in Financial Institutions – Singapore (11 April 1. Asia Leaders in Financial Institutions – Singapore (11 April 2019
2019 -12 April 2019). - 12 April 2019).
2. Asia Leaders in Financial Institutions – Bangalore (19 June 2. Asia Leaders in Financial Institutions – Bangalore (19 June
2019 - 21 June 2019). 2019 - 21 June 2019).
3. Asia Leaders in Financial Institutions – Beijing (5 August 2019 3. Asia Leaders in Financial Institutions – Beijing (5 August 2019
- 7 August 2019). - 7 August 2019).

Beliau tidak memiliki hubungan afiliasi dengan anggota Direksi She does not have any affiliations with fellow members of the
lainnya, maupun dengan anggota Dewan Komisaris, atau dengan Board of Directors, or members of the Board of Commissioners,
pemegang saham utama. nor with the main shareholders.


Main Highlights
Management Reports
Company Profile
Risk Management
Operational Review
Darwin Wibowo
Direktur Wholesale Banking
Wholesale Banking Director

Beliau memperoleh gelar Bachelor of Science bidang Marketing He holds Bachelor of Science in Marketing from San Francisco
dari San Francisco State University pada tahun 1994 dan gelar State University in 1994 and Master of Science in Business
Master of Science in Business Administration, Finance dari San Administration, Finance from San Diego State University in 1996.
Diego State University pada tahun 1996.

Diangkat sebagai Direktur Wholesale Banking PermataBank Appointed as Wholesale Banking Director of PermataBank
berdasarkan keputusan RUPS Tahunan PermataBank pada pursuant to the resolutions of Annual GMS on 29 March 2017 and
tanggal 29 Maret 2017 dan efektif diangkat pada 21 Juni 2017. appointed to the role on 21 June 2017.


Jabatan beliau sebelum bergabung ke PermataBank adalah Previously, he held the President Director position of PT Bank
sebagai Direktur Utama di PT Bank Andara sejak tahun 2015. Andara since 2015. He also has held several positions as Head
Sebelumnya beliau pernah juga pernah menjabat sebagai Corporate Banking of PT Bank Maybank Indonesia Tbk (previously
Head Corporate Banking PT Bank Maybank Indonesia Tbk (d/h known as PT Bank Internasional Indonesia Tbk) (2009-2014);
PT Bank Internasional Indonesia Tbk) (2009-2014); General General Manager, Head of Corporate Finance & Strategic Planning
Manager, Head of Corporate Finance & Strategic Planning of PT Raja Garuda Mas Indonesia (2005-2009); Partner at
PT Raja Garuda Mas Indonesia (2005-2009); Partner pada PT Aegis Finansial Solusi (2003-2005); Associate at Delta
PT Aegis Finansial Solusi (2003-2005); Associate pada Delta Advisory Pte. Ltd (2002-2003); and Relationship Manager at
Advisory Pte. Ltd (2002-2003); dan Relationship Manager pada Citibank Indonesia (1997-2002).
Citibank Indonesia (1997-2002).

1. Pelatihan Sertifikasi Treasury Dealer – Level Advance (16 1. Treasury Dealer Certification Training (16 February 2019).
Februari 2019).
2. Sertifikasi Treasury Dealer – Exam Level Advance (23 Februari 2. Dealer Treasury Certification (23 February 2019).
2019).
3. The Asian Banker - China Innovation Study tour 2019, 3. The Asian Banker - China Innovation Study tour 2019, held
diadakan di Shanghai, Hanzhou, dan Shenzen (28 Oktober in Shanghai, Hanzhou, and Shenzen (28 October 2019 -
2019 - 1 November 2019). 1 November 2019).


Profil Direksi
Dhien Tjahajani
Direktur Hukum dan Kepatuhan
Legal and Compliance Director

Beliau memperoleh gelar Sarjana Hukum dari Universitas Sebelas She holds a Bachelor of Law degree from University of Sebelas
Maret pada tahun 1990 kemudian melanjutkan pendidikannya Maret in 1990 then continuing her education at Curtin University
di Curtin University of Technology, Perth, pada tahun 1994 dan of Technology, Perth in 1994 and holds a Master of Business
memperoleh gelar Master of Business Administration dari Edith degree from Edith Cowan University, Perth in 1995.
Cowan University, Perth, pada tahun 1995.

Diangkat sebagai Direktur Hukum dan Kepatuhan PermataBank Appointed as Legal and Compliance Director of PermataBank
berdasarkan hasil RUPS Tahunan tanggal 24 April 2018 dan pursuant to the resolutions of Annual GMS on 24 April 2018 and
efektif diangkat pada tanggal 4 September 2018. appointed to the role on 4 September 2018.


Sebelumnya pernah menjabat sebagai Direktur Hukum dan Previously she served as Legal and Compliance Director,
Kepatuhan, Direktur Independen dan Sekretaris Perusahaan di Independent Director and Corporate Secretary of PT Bank
PT Bank Maybank Indonesia Tbk sampai dengan tanggal 25 Juni Maybank Indonesia Tbk until 25 June 2018.
2018.
Sebelumnya beliau memulai kariernya di perbankan pada She started her career in banking in 1990 at PT Bank Central
tahun 1990 di PT Bank Central Asia, dan telah menduduki Asia, and has held several positions as Compliance Director of
berbagai posisi yaitu sebagai Direktur Kepatuhan di PT Bank Commonwealth (2012-2014), Compliance Director of
PT Bank Commonwealth (2012-2014), Direktur Kepatuhan di PT Bank Barclays Indonesia (2009-2011), Compliance Director
PT Bank Barclays Indonesia (2009-2011), Direktur Kepatuhan di of PT Bank Rabobank International Indonesia (2006-2009), Legal
PT Bank Rabobank International Indonesia (2006-2009), Direktur and Compliance Director and Corporate Secretary of PT Bank
Hukum dan Kepatuhan serta Corporate Secretary di PT Bank DBS DBS Indonesia (2002-2006), and as Head of Legal & Remedial
Indonesia (2002-2006), dan sebagai Head of Legal & Remedial Department of PT Bank Credit Lyonnais Indonesia (1995-2002).
Department di PT Bank Credit Lyonnais Indonesia (1995-2002).

Selama tahun 2019, beliau telah mengikuti pelatihan peningkatan During 2019, she has participated in competence enhancement
1. Media Training (6 Maret 2019). 1. Media Training (6 March 2019).
2. Pemahaman atas Implementasi PSAK 71 dan 73 (26 2. Understanding the Implementation on PSAK 71 and 73 (26
September 2019). September 2019).



Main Highlights
Management Reports
Company Profile
Risk Management
Operational Review
Herwin Bustaman
Direktur Unit Usaha Syariah
Shariah Business Unit Director

Beliau memperoleh gelar Bachelor of Business dari University He holds a Bachelor of Business degree from University of
of Southern Queensland, Australia pada tahun 1994 dan gelar Southern Queensland, Australia in 1994 and a Master of Business
Master of Business Administration dari International Islamic Administration degree from International Islamic University,
University, Malaysia pada tahun 2005. Malaysia in 2005.

Diangkat sebagai Direktur Unit Usaha Syariah PermataBank Appointed as Shariah Business Unit Director of PermataBank
berdasarkan keputusan RUPS Luar Biasa PermataBank pada pursuant to the resolutions of Extraordinary GMS on 25 September
tanggal 25 September 2018 dan efektif diangkat pada tanggal 7 2018 and appointed to the role on 7 January 2019.
Januari 2019.


Sebelumnya beliau menjabat sebagai Head of Shariah Banking di Previously he served as Head of Shariah Banking of PT Bank
PT Bank Maybank Indonesia Tbk (2013-2018). Maybank Indonesia Tbk (2013 – 2018).
Sebelumnya beliau juga pernah menduduki beberapa jabatan Previously he held number of important positions such as Shariah
penting seperti Direktur Unit Usaha Syariah di The Hongkong Business Unit Director of The Hongkong and Shanghai Banking
and Shanghai Banking Corporation, Indonesia (2011-2013), Corporation, Indonesia (2011-2013), Senior Manager Personal
Senior Manager Personal Financial Services di The Hongkong Financial Services of The Hongkong and Shanghai Banking
and Shanghai Banking Corporation, Uni Emirat Arab (2010- Corporation, Uni Emirat Arab (2010–2011), Head of Product
2011), Head of Product Management & Proposition di Bank Al Management & Proposition of Bank Al Bilad, Saudi Arabia (2008–
Bilad, Saudi Arabia (2008-2010), Senior Vice President – Head 2010), Senior Vice President – Head of Personal Financial Services
of Personal Financial Services – HSBC Amanah Syariah di The – HSBC Amanah Syariah of The Hongkong and Shanghai Banking
Hongkong and Shanghai Banking Corporation, Indonesia (2005- Corporation, Indonesia (2005-2008); Assistant Brand Manager
2008); Assistant Brand Manager – ASEAN, Australasia & India – ASEAN, Australasia & India Baby Care Global Business Unit of
Baby Care Global Business Unit di Procter & Gamble International Procter & Gamble International Operations Pte Ltd, Singapura
Operations Pte Ltd, Singapura (2001-2002), Assistant Brand (2001-2002), Assistant Brand Manager – Indonesia Haircare
Manager – Indonesia Haircare Category Maximization di Category Maximization of PT Procter & Gamble Home Products,
PT Procter & Gamble Home Products, Indonesia (1998-2001), Indonesia (1998-2001), Corporate Management Consultant of
Corporate Management Consultant di PT Gunung Sewu Kencana PT Gunung Sewu Kencana (1997-1998), Senior Management
(1997-1998), Senior Management Consultant di PT International Consultant of PT International Business Solutions (1996-1997),
Business Solutions (1996-1997), dan Junior Management and Junior Management Consultant of PT Proudfoot, Indonesia
Consultant di PT Proudfoot, Indonesia (1995-1996). (1995-1996).

kompetensi sebagai berikut: training as follows:
1. Boost Your Business Through LANTAP (31 Januari 2019 - 1. Boost Your Business Through LANTAP (31 January 2019 -
1 Februari 2019). 1 February 2019).
2. CORE ORMAF - Refreshment Manajemen Risiko (13 Februari 2. CORE ORMAF – Risk Management Refreshment (13 February
2019). 2019).
3. Shariah Workshop (20 Februari 2019). 3. Shariah Workshop (20 February 2019).
5. OD Training Series: Job Family (9 Juni 2019). 5. OD Training Series: Job Family (9 June 2019).
6. Credit Skill Assessment (10 September 2019 - 16 September 6. Credit Skill Assessment (10 September 2019 - 16 September
2019). 2019).
7. Job Evaluation (16 Oktober 2019). 7. Job Evaluation (16 October 2019).


Profil Direksi
Djumariah Tenteram
Direktur Retail Banking
Retail Banking Director

Beliau memperoleh gelar Sarjana Akuntansi dari Universitas She holds a Bachelor of accountancy from University of
Nommensen, Medan pada tahun 1988. Nommensen, Medan in 1988.

Diangkat sebagai Direktur Retail Banking PermataBank Appointed as Retail Banking Director of PermataBank pursuant to
berdasarkan hasil RUPS Luar Biasa tanggal 25 September 2018 the resolutions of Extraordinary GMS on 25 September 2018 and
dan efektif diangkat pada tanggal 16 Januari 2019. appointed to the role on 16 January 2019.


Sebelumnya pernah menjabat sebagai Head of Wealth Previously she has served as Head of Wealth Management, Retail
Management, Retail Liability Products & E-Channels PermataBank Liability Products & E-Channels of PermataBank since 2013.
sejak tahun 2013.
Beliau memulai karier di industri perbankan sejak tahun 1987 She started her career in banking since 1987 by following
dengan mengikuti Management Development Program di Management Development Program at PT Bank International
PT Bank International Indonesia, dan sepanjang kariernya pernah Indonesia, and throughout her career has held several important
menjabat berbagai posisi penting di Standard Chartered Bank positions at Standard Chartered Bank as GM, Integrated
sebagai GM, Integrated Distribution; GM, Priority & International Distribution; GM, Priority & International Banking, Personal
Banking, Personal & Preferred Banking; GM, Shared Distribution; & Preferred Banking; GM, Shared Distribution; GM, Wealth
GM, Wealth Management, Segment and Marketing; dan Branch Management, Segment and Marketing; and Branch Manager
Manager (2003-2013); sebagai Branch Manager Jakarta dan (2003-2013); as Branch Manager Jakarta and Commercial
Commercial Banking Business Manager di PT ABN AMRO Bank Banking Business Manager of PT ABN AMRO Bank (1999-
(1999-2003); sebagai Main Branch Manager Jakarta di PT Bank 2003); Main Branch Manager Jakarta of PT Bank Asia Pacific
Asia Pacific (1995-1999); sebagai Sub Branch Manager Jakarta (1995-1999); Sub Branch Manager Jakarta of PT Bank Pelita
di PT Bank Pelita (1993-1995); Sub Branch Manager Jakarta di (1993-1995); Sub Branch Manager Jakarta of PT Bank Susila
PT Bank Susila Bakti (1991-1993); Sub Branch Manager Medan Bakti (1991-1993); Sub Branch Manager Medan of PT Bank
di PT Bank International Indonesia (1989-1990); dan sebagai International Indonesia (1989-1990); and Account Officer &
Account Officer & Customer Relationship Officer Medan di Customer Relationship Officer Medan of PT Bank International
PT Bank International Indonesia (1988-1989). Indonesia (1988-1989).

2. Retail Banking Manco Offsite Meeting (2 Juli 2019 - 4 Juli 2. Retail Banking Manco Offsite Meeting (2 July 2019 - 4 July
2019). 2019).
3. Stronger as One (11 Oktober 2019 - 11 Desember 2019). 3. Stronger as One (11 October 2019 - 11 December 2019).



Main Highlights
Management Reports
Company Profile
Risk Management
Operational Review
Dayan Sadikin
Direktur Sumber Daya Manusia
Human Resources Director

Beliau memperoleh gelar Sarjana Sosial di Jurusan Sosiologi dari He holds a Bachelor of Social Science degree from the University
FISIP Universitas Indonesia pada tahun 1994 dan gelar Master of Indonesia in 1994 and a Master of Commerce (Advanced
of Commerce (Advanced Specialization in Human Resources Specialization in Human Resources Management) from The
Management) dari University of New South Wales, Sydney, University of New South Wales, Sydney, Australia in 1999.
Australia pada tahun 1999.

Diangkat sebagai Direktur Sumber Daya Manusia PermataBank Appointed as Human Resources Director of PermataBank
berdasarkan keputusan RUPS Tahunan PermataBank pada pursuant to the resolutions of Annual GMS on 23 April 2019 and
tanggal 23 April 2019 dan efektif pada tanggal yang sama. appointed to the role on the same date.


Sebelumnya beliau memiliki pengalaman yang luas di bidang Previously he has various experiences in the human resources
manajemen sumber daya manusia serta pernah menjabat di management fields and also has held several leadership roles as
berbagai posisi kepemimpinan pada beberapa perusahaan, Director for PT Kideco Jaya Agung (2018-2019) and President
antara lain sebagai Direktur PT Kideco Jaya Agung (2018-2019) Director for PT Solaris Power Indonesia (2016-2018).
dan Direktur Utama PT Solaris Power Indonesia (2016-2018).
Beliau juga pernah bekerja di PT Indika Energy Tbk, dengan posisi He has also worked at PT Indika Energy Tbk, with his latest roles
terakhir sebagai Head of Human Capital dan anggota Komite as Head of Human Capital and members of Human Resources
Human Capital di perusahaan-perusahaan dalam kelompok Committees within PT Indika Energy Tbk (2011-2016); Director for
usaha Indika Energy (2011-2016); Direktur PT Coca-Cola Bottling PT Coca-Cola Bottling Indonesia and PT Coca-Cola Distribution
Indonesia dan PT Coca-Cola Distribution Indonesia (2009-2011); Indonesia (2009-2011); worked at PT Birotika Semesta (DHL
bekerja di PT Birotika Semesta (DHL Express Indonesia) dengan Express Indonesia) with his latest role as First Choice Senior
jabatan terakhir sebagai First Choice Senior Advisor, South East Advisor, South East Asia 2004-2009); as a Personnel Manager,
Asia (2004-2009); sebagai Personnel Manager, Indonesia and Indonesia and Australia for PT Omnes Services Indonesia
Australia di PT Omnes Services Indonesia Schlumberger IT Schlumberger IT (2003-2004); as HR Operations Manager for
(2003-2004); sebagai HR Operations Manager di PT Coca-Cola PT Coca-Cola Indonesia (2000-2003); and as a Section Head
Indonesia (2000-2003); dan Section Head Recruitment and Recruitment and Training for PT Sony Electronics Indonesia (1995
Training di PT Sony Electronics Indonesia (1995-1997). -1997).

1. Media Training – Jakarta (6 Maret 2019). 1. Media Training – Jakarta (6 March 2019).
2. Scoping Workshop, Project Management Competency 2. Scoping Workshop, Project Management Competency
Program – Jakarta (9 April 2019). Program – Jakarta (9 April 2019).
3. Building Trust and Critical Thinking – Jakarta (9 April 2019). 3. Building Trust and Critical Thinking – Jakarta (9 April 2019).
4. Change Management Workshop 2019 (25 April 2019 - 26 4. Change Management Workshop 2019 (25 April 2019 - 26
April 2019). April 2019).
5. Seminar Ekonomi Makro – Jakarta (25 Juli 2019). 5. Macro-Economic Seminar – Jakarta (25 July 2019).
6. Digital and Holistic Leadership Summit 2019 - Bali (14 6. Digital and Holistic leadership Summit 2019 – Bali (14
November 2019). November 2019).


Profil Dewan
Pengawas Syariah
Shariah Supervisory Board Profile
H. Muhamad Faiz, M.A

Ketua Dewan Pengawas Syariah Unit Usaha Syariah
Chairman of Shariah Supervisory Board of Shariah Business Unit
Warga negara Indonesia, berusia 45 tahun dan berdomisili di Jakarta.
Indonesian citizen, 45 years old and who resides in Jakarta.

Pada tahun 1997, beliau memperoleh gelar Sarjana dari Fakultas In 1997, he obtained his degree from Shariah Faculty of the Islamic
Syariah, Medina Islamic University, Arab Saudi. University, Medina, Saudi Arabia.

Menjabat sebagai Ketua Dewan Pengawas Syariah (“DPS”), Chairman of Shariah Supervisory Board, Shariah Business Unit
Unit Usaha Syariah PermataBank sejak tahun 2014 berdasarkan of PermataBank since 2014 based on Annual GMS decision on
keputusan RUPS Tahunan tanggal 23 April 2014. Sebelumnya, 23 April 2014. Previously, he is a member of Shariah Supervisory
beliau merupakan Anggota DPS UUS PermataBank sejak tanggal Board, Shariah Business Unit of PermataBank since 29 August
29 Agustus 2008 yang telah memperoleh persetujuan dari Bank 2008 which had been approved by Bank Indonesia on 21
Indonesia pada tanggal 21 November 2008. November 2008.

Selain menjadi Ketua DPS pada UUS PermataBank, beliau Besides being a Chairman of DPS UUS PermataBank, he also
menjabat sebagai Ketua DPS PT Indomobil Multi Finance (IMFI) serves as Chairman of Shariah Supervisory Board PT Indomobil
Syariah, serta Anggota DPS PT Bank Tabungan Pensiunan Multi Finance Shariah, as well as Member of Shariah Supervisory
Nasional (BTPN) Syariah. Board of PT Bank Tabungan Pensiunan Nasional (BTPN) Shariah.
Beliau juga merupakan Wakil Sekretaris Komisi Fatwa Majelis He is also a Deputy Secretary Commission Indonesia Ulema
Ulama Indonesia (“MUI”) Pusat, Anggota Pokja Perbankan Dewan (“MUI”) Central, Banking Working Group Member of Shariah
Syariah Nasional MUI dan Wakil Ketua Lembaga Bahtsul Masail National Board and a Vice Chairman of Lembaga Bahtsul Masail
Pengurus Besar Nahdlatul Ulama (PBNU). PBNU.

Beliau merupakan Pemimpin Pondok Daarul Rahman. Beliau He was a leader of Pondok Daarul Rahman. He has extensive
memiliki pengalaman luas di berbagai organisasi keagamaan dan experience in various religious and social organizations, including
kemasyarakatan, termasuk Ikatan Cendekiawan Muslim Indonesia Ikatan Cendekiawan Muslim Indonesia (“ICMI”) and Nadhlatul
(“ICMI”) dan Nadhlatul Ulama (“NU”). Beliau juga aktif sebagai Ulama (“NU”). He also actively serves as a speaker as well as
pembicara maupun moderator pada berbagai seminar dan moderator in various seminars and training programs.
program pelatihan.

Selama tahun 2019, beliau mengikuti sejumlah pelatihan, yaitu: During 2019, he has participated in competence enhancement
trainings:
1. Pra-Ijtima’ Sanawi yang diselenggarakan oleh DSN-MUI. 1. Pra-Ijtima’ Sanawi held by DSN-MUI.
2. Ijtima’ Sanawi yang diselenggarakan oleh DSN-MUI. 2. Ijtima’ Sanawi held by DSN-MUI.

pemegang saham utama. the main shareholder.


Main Highlights
Management Reports
Company Profile
Risk Management
Operational Review
Prof. Dr. H. Jaih Mubarok, SE. MH. M.Ag

Anggota Dewan Pengawas Syariah Unit Usaha Syariah
Member of Shariah Supervisory Board of Shariah Business Unit
Warga Negara Indonesia, berusia 52 tahun dan berdomisili di Jakarta.

Gelar pendidikan S3 Studi Islam beliau peroleh dari Program He earned a Doctorate Degree (S3) in Islamic Study from Post
Pascasarjana UIN Syarif Hidayatullah, Jakarta. Graduate Program of the Syarif Hidayatullah UIN, Jakarta.

Merupakan anggota DPS Unit Usaha Syariah PermataBank sejak He is a member of Shariah Supervisory Board – Shariah Business
tahun 2014 berdasarkan keputusan RUPS Tahunan tanggal Unit of PermataBank since 2014, based on Annual GMS dated 23
23 April 2014 dan telah memperoleh persetujuan dari OJK April 2014 and has obtained approval from OJK based on a letter
berdasarkan surat tertanggal 28 Agustus 2014. dated 28 August 2014.

Selain menjadi Anggota DPS pada UUS PermataBank, beliau Besides being a member of DPS UUS PermataBank, he also
menjabat sebagai Ketua DPS Bank Jabar Syariah, Ketua DPS serves as the Chairman of DPS Bank Jabar Syariah, Chairman of
Asuransi Al-Amin dan Ketua DPS PT Maybank Asset Management. DPS Al-Amin Insurance and PT Maybank Asset Management.

Beliau merupakan Guru Besar pada Fakultas Syariah dan Hukum He is a Professor at the Faculty of Shariah and Law UIN Sunan
UIN Sunan Gunung Djati, Bandung serta pengajar di Institut Ilmu Gunung Djati, Bandung as well as a lecturer at the Bandung
Al-Qur’an, Jakarta. Selain itu beliau merupakan Wakil Ketua Badan Institute of Qur’anic Studies, Jakarta. In addition, he is a Vice
Pelaksana Harian/BPH Dewan Syariah Nasional Majelis Ulama Chairman of the Executive Agency Daily/BPH National Shariah
Indonesia (“DSN-MUI”). Beliau memiliki pengalaman luas di Board of the Indonesian Ulama Council (“DSN-MUI”). He has
berbagai organisasi keagamaan dan kemasyarakatan. extensive experience in various religious and social organizations.

Selama tahun 2019, beliau mengikuti sejumlah pelatihan, yaitu: During 2019, he has participated in competence enhancement
trainings:
1. Pra-Ijtima’ Sanawi yang diselenggarakan oleh DSN-MUI. 1. Pra-Ijtima’ Sanawi held by DSN-MUI.
2. Ijtima’ Sanawi yang diselenggarakan oleh DSN-MUI. 2. Ijtima’ Sanawi held by DSN-MUI.

pemegang saham utama. the main shareholder.

Profil
Anggota Komite
Committee Member Profile
Adi Pranoto Leman

Anggota Komite Audit (Pihak Independen)
Member of the Audit Committee (Independent Party)
Warga negara Indonesia, berusia 66 tahun dan berdomisili di Jakarta.

Menyelesaikan studinya di Universitas Airlangga, Surabaya di He graduated from Airlangga University, Surabaya with a degree
bidang Akuntansi pada tahun 1978. in Accounting in 1978.

Menjabat sebagai anggota Komite Audit (sebagai Pihak Appointed as member of the Audit Committee (as Independent
Independen) PermataBank sesuai Surat Keputusan Direksi Party) of PermataBank pursuant to Decree of the Board of
PermataBank No.003/2018 tanggal 30 April 2018. Directors of PermataBank No.003/2018 dated 30 April 2018.

Juga menjabat sebagai anggota Komite Tata Kelola Terintegrasi Also serves as a member of the Integrated Governance Committee
(sebagai Pihak Independen). (as Independent Party).

Beliau memiliki lebih dari 20 tahun pengalaman di bidang He has more than 20 years of consulting experience,
konsultan, meliputi jasa audit dan konsultan keuangan. Pada tahun encompassing audit and financial consulting services. In 2007,
2007, mendirikan PT Infinity Capital sebuah perusahaan konsultan he established PT Infinity Capital, a financial consulting firm until
keuangan hingga tahun 2018. Sebelumnya, beliau menjabat 2018. Previously, he served as a member of the Supervisory Board
sebagai anggota Supervisory Board pada Ernst & Young, dan of Ernst & Young, and also as the Deputy Head of Assurance and
juga sebagai Deputy Head of Assurance and Advisory Business Advisory Business Services.
Services.
Sebelum bergabung dengan Ernst & Young, beliau adalah Before joining Ernst & Young, he was the Managing Director of
Managing Director yang mengepalai Assurance and Business the Assurance and Business Advisory (ABA) services of Arthur
Advisory (ABA) pada Arthur Andersen Indonesia (1993-2002), Andersen Indonesia (1993-2002), including as the Country
serta sebagai Country Head, JBO (Japan Business Organization) Head of JBO (Japan Business Organization) of Arthur Andersen
pada Arthur Andersen Indonesia (2000-2002). Beliau juga Indonesia (2000-2002). He was also a member of the Indonesian
anggota Ikatan Akuntan Indonesia (IAI) dan menjabat ketua Institute of Accountants (IAI) and chairman of Education &
Education & Training IAI-KAP (2005-2008) serta sebelumnya Training of IAI-KAP (2005-2008), and previously held various
telah memegang berbagai posisi senior di IAI. Beliau adalah senior positions in the IAI. He was a member of the Honorary
anggota Dewan Kehormatan IAPI (Ikatan Akuntan Publik Board of IAPI (Indonesian Institute of Public Accountants) for the
Indonesia) periode 2008-2012. Saat ini beliau juga menjabat period 2008-2012. He currently sits as Commissioner and Audit
sebagai Komisaris dan ketua Komite Audit PT Indofood Sukses Committee chairman of PT Indofood Sukses Makmur, PT Indoritel
Makmur Tbk, PT Indoritel Makmur International Tbk dan anggota Makmur International Tbk and as Audit Committee of PT Fastfood
Komite Audit PT Fastfood Indonesia Tbk. Indonesia Tbk.

kompetensi, sebagai berikut: training:
1. Seminar Mengenai PSAK 71, 72 & 73 pada tanggal 4 September 1. Seminar on PSAK 71, 72 & 73 on 4 September 2019 organized
2019 diadakan oleh PT Indofood Sukses Makmur Tbk. by PT Indofood Sukses Makmur Tbk.
2. Audit & Risk Management Committee Forum Astra Group 2. Audit & Risk Management Committee Forum Astra Group on
pada tanggal 15 November 2019 diadakan oleh PT Astra 15 November 2019 organized by PT Astra International Tbk.
International Tbk.
3. Seminar Mengenai Update on Indonesia’s Economic 3. Seminar on Update on Indonesia’s Economic Outlook 2020 on
Outlook 2020 pada tanggal 9 Desember 2019 diadakan oleh 9 December 2019 organized by PT Indofood Sukses Makmur
PT Indofood Sukses Makmur Tbk. Tbk.



Main Highlights
Management Reports
Company Profile
Risk Management
Operational Review
Handy Effendy Halim

Anggota Komite Audit (Pihak Independen)
Member of the Audit Committee (Independent Party)
Warga Negara Indonesia, berusia 62 tahun dan berdomisili di Jakarta.

Beliau menyelesaikan studinya di Teknik Industri Institut Teknologi He graduated from Bandung Institute of Technology with a Degree
Bandung pada tahun 1983 dan Magister Manajemen di Bina in Industrial Engineering in 1983 and Master of Management at
Nusantara Business School pada tahun 2007. Bina Nusantara Business School in 2007.

Menjabat sebagai anggota Komite Audit (sebagai Pihak Appointed as member of the Audit Committee (as Independent
Independen) PermataBank sesuai Surat Keputusan Direksi Party) pursuant to Decree of the Board of Directors of PermataBank
PermataBank No.003/2018 tanggal 30 April 2018. No. 003/2018 dated 30 April 2018.


Lebih dari 33 tahun di beberapa perusahaan Astra Group Over 33 years in several Astra Group companies in IT, Audit and
dalam bidang IT, Audit dan Risk Manajemen serta Investasi dan Risk Management as well as Investment and Finance. He has
Keuangan. Beliau pernah menjabat sebagai Chief Dana Pensiun served as Chief Pension Fund Astra (2013-2016) and Chief Group
Astra (2013-2016) dan Chief Group Internal Audit dan Risk Internal Audit and Risk Management at PT Astra International Tbk
Manajemen di PT Astra International Tbk (2008-2012). (2008-2012).
Pada saat ini beliau juga merupakan anggota Komite Audit di PT He is currently a member of the Audit Committee of PT Bintraco
Bintraco Dharma Tbk (November 2016 - sekarang), anggota Dharma Tbk (November 2016 - present), member of Audit
Komite Audit di PT United Tractors Tbk (Juli 2018 - sekarang), Committee of PT United Tractors Tbk (July 2018 - present), and
dan anggota Komite Audit di PT Aset Indonusa Tbk (Mei 2019 - member of Audit Committee of PT Acset Indonusa Tbk (May 2019
sekarang). - present).

kompetensi, sebagai berikut: training:
1. Training dan sertifikasi CACP (Certifiation in Audit Committee 1. Training and certification in CACP (Certifiation in Audit Committee
Practices) - oleh Ikatan Komite Audit Indonesia. Practices) - by Indonesian Institute of Audit Committee.
2. 2019 IIA Conference - oleh IIA Indonesia. 2. 2019 IIA Conference - by IIA Indonesia.


Profil Anggota Komite

Darminto
Anggota Komite Pemantau Risiko (Pihak Independen)
Member of the Risk Monitoring Committee (Independent Party)

Beliau memperoleh gelar Sarjana dari Fakultas Ekonomi, He earned Bachelor degree from Faculty of Economics, University
Universitas Indonesia, gelar MBA dari State University of of Indonesia, MBA degree from State University of New York, and
New York, dan gelar Doktor dari Fakultas Ekonomi dan Bisnis, Doctorate degree from University of Indonesia in 2010.
Universitas Indonesia pada tahun 2010.

Menjabat sebagai anggota Komite Pemantau Risiko (sebagai Appointed as member of Risk Monitoring Committee (as
Pihak Independen) sesuai Surat Keputusan Direksi PermataBank Independent Party) pursuant to Decree of the Board of Directors
No.004/2018 tanggal 30 April 2018. of PermataBank No.004/2018 dated 30 April 2018.


Beliau saat ini juga menjabat sebagai Pengajar Senior di Fakultas Currently he is Senior Lecturer at Faculty of Economics and
Ekonomi dan Bisnis, Universitas Indonesia. Business, University of Indonesia.
Beliau pernah menjabat berbagai posisi penting, antara lain Previously, he held several important positions as: Independent
sebagai berikut: Pihak Independen Komite Audit PT Bank Party of Audit Committee at PT Bank CIMB Niaga Tbk (2014-
CIMB Niaga Tbk (2014-2016), Pihak Independen Komite Audit 2016), Independent Party of Audit Committee at PT Indonesia
PT Indonesia Infrastructure Finance (IIF) (2012-2014), Pihak Infrastructure Finance (IIF) (2012–2014), Independent Party
Independen Komite Audit PT Bank Negara Indonesia (Persero) of Audit Committee at PT Bank Negara Indonesia (Persero)
Tbk (2008-2013), Pihak Independen Komite Audit PT Garuda Tbk (2008-2013), Independent Party of Audit Committee at
Indonesia (Persero) (1999-2003), Direktur pada Delloite Touche PT Garuda Indonesia (Persero) (1999-2003), Director at Delloite
Tohmatsu (1999-2002), Direktur pada PT Kasnic Duff & Phelps Touche Tohmatsu (1999-2002), Director at PT Kasnic Duff &
Credit Rating Indonesia (1997-1999), Direktur Keuangan pada Phelps Credit Rating Indonesia (1997-1999), Finance Director at
PT Yusung-Mayer Textile (1991-1993), serta berbagai posisi PT Yusung-Mayer Textile (1991-1993, various important positions
penting di berbagai perusahaan dan beberapa universitas. at several companies and several universities.

1. Pelatihan dua hari mengenai Digital Ekonomi menggunakan 1. Two days Workshop on Digital Economy Using Case Study
Analisis Studi Kasus diselenggarakan oleh Chartered Institute Analysis organized by Chartered Institute of Management
of Management Accountants (CIMA) (7-8 Agustus 2019). Accountants (CIMA) (7-8 August 2019).
2. Forum Komite Audit & Risk Manajemen Astra Group “Lesson 2. Audit Committee & Risk Management Committee Astra Group
Learned from Recent Corporate Failures” diselenggarakan Forum “Lesson Learned from Recent Corporate Failures”
oleh PWC Indonesia (15 September 2019). organized by PWC Indonesia (15 September 2019).



Main Highlights
Management Reports
Company Profile
Risk Management
Operational Review
Taufik Hakim
Anggota Komite Pemantau Risiko (Pihak Independen)
Member of the Risk Monitoring Committee (Independent Party)

Beliau memperoleh gelar Sarjana dari Institut Pertanian Bogor He earned Bachelor degree from Bogor Agricultural University in
pada tahun 1989 dan saat ini merupakan kandidat Pasca Sarjana 1989 and currently a Master candidate from Trisakti University.
dari Universitas Trisakti.

Menjabat sebagai anggota Komite Pemantau Risiko (sebagai Appointed as member of Risk Monitoring Committee (as
Pihak Independen) sesuai Surat Keputusan Direksi PermataBank Independent Party) pursuant to Decree of the Board of Directors of
No. 004/2018 tanggal 30 April 2018. PermataBank No. 004/2018 dated 30 April 2018.


Sebelumnya beliau pernah menjabat berbagai posisi penting, Previously, he held several important positions as: Independent
antara lain sebagai berikut: Komisaris Independen pada Bank IBK Commissioner at Bank IBK Indonesia (2019 - now), Risk
Indonesia (2019 - sekarang), Risk Management and Compliance Management and Compliance Director at PT Bank Banten
Director pada PT Bank Banten Indonesia Tbk (2013-2017), Indonesia Tbk (2013-2017), Standardization Director at Lembaga
Standardization Director pada Lembaga Sertifikasi Profesi Sertifikasi Profesi Perbankan (LSPP) (2012-2013), member of
Perbankan (LSPP) (2012-2013), anggota Komite Audit dan the Audit Committee and Risk Monitoring Committee at PT Bank
Komite Pemantau Risiko pada PT Bank Pundi Indonesia Tbk Pundi Indonesia Tbk (2011-2013), various important positions
(2011-2013), berbagai posisi penting pada Bank BTPN sebagai at Bank BTPN as Senior Advisor, Risk Management Director,
Senior Advisor, Risk Management Director, Compliance and Compliance and Risk Management Director, and Finance Director
Risk Management Director, dan Finance Director (2005-2010). (2005-2010). He also has held various important positions at
Beliau juga pernah menjabat berbagai posisi penting pada Badan Badan Penyehatan Perbankan Nasional (BPPN or IBRA) and
Penyehatan Perbankan Nasional (BPPN) dan PT Perusahaan PT Perusahaan Pengelola Aset or PT PPA (Persero).
Pengelola Aset atau PT PPA (Persero).

kompetensi, sebagai berikut: training such as follows:
1. Peran Direktur Kepatuhan Dalam Menyikapi Tantangan 1. Role of Compliance Director to Anticipate Digital Economy
Perekonomian Digital dan Kesiapan Perbankan Menghadapi and the Banking Sector Readiness in Facing Mutual Evaluation
Mutual Evaluation Review (MER), diselenggarakan oleh Review (MER), organized by FKDKP, Jakarta (27 June 2019).
FKDKP, Jakarta (27 Juni 2019).
2. Recent Development and the Outlook of Macroeconomy and 2. Recent Development and the Outlook of Macroeconomy and
Banking Sector 2019-2020, diselenggarakan oleh Bank IBK Banking Sector 2019-2020, organized by Bank IBK Indonesia
Indonesia di Yogyakarta (16 Nopember 2019). in Yogyakarta (16 November 2019).
3. Workshop Asesor Bidang Manajemen Risiko, diselenggarakan 3. Workshop for Risk Management Assessor, organized by BARa
oleh BARa di Jakarta (9 Desember 2019). in Jakarta (9 December 2019).


Profil Anggota Komite

Eni Widiarti Soetarso

Anggota Komite Remunerasi dan Nominasi (Pejabat Eksekutif)
Member of the Remuneration and Nomination Committee (Executive Officer)

Beliau adalah lulusan dari Sekolah Tinggi Pariwisata (NHI), She graduated from Sekolah Tinggi Pariwisata (NHI), Bandung in
Bandung pada tahun 1994. 1994.

Menjabat sebagai anggota Komite Remunerasi dan Nominasi Appointed as member of the Remuneration and Nomination
(sebagai Pejabat Eksekutif) sesuai Surat Keputusan Direksi Committee (as Executive Officer) pursuant to Decree of the Board
PermataBank No.005/2018 tanggal 30 April 2018. of Directors of PermataBank No.005/2018 dated 30 April 2018.


Eni Widiarti Soetarso telah memiliki lebih dari 20 tahun Eni Widiarti Soetarso has more than 20 years’ experience in
pengalaman di bidang human resource management dan service human resource management and service management. She
management. Beliau bergabung dengan PT Bank Permata joined with PT Bank Permata Tbk since 2003 as Program, Service
Tbk sejak tahun 2003 sebagai Program, Service & Customer & Customer Acquisition Senior Manager at Preferred Banking
Acquisition Senior Manager pada Preferred Banking Head Head Office. Afterwards, in consecutively, she held the position as
Office. Kemudian secara berturut-turut, beliau menjabat sebagai Customer Measurement Senior Manager at Service Quality Head
Customer Measurement Senior Manager pada Service Quality Office (2005-2006), as Executive Development Senior Manager
Head Office (2005-2006), sebagai Executive Development at HR Organization Learning (2006-2007), as HR Relationship
Senior Manager pada HR Organization Learning (2006-2007), Manager (Risk Management) (2007-2009), as Head - Expatriate
sebagai HR Relationship Manager (Risk Management) (2007- & Executive Services (2009-2011), as Head - HR Care &
2009), sebagai Head - Expatriate & Executive Services (2009- Employee Relations (2011-2012), as Head – Employee Relations &
2011), sebagai Head - HR Care & Employee Relations (2011- Executive Support (2012-2013), Head HR & Employee Relations
2012), sebagai Head – Employee Relations & Executive Support (2013-2016) Head HR, Talent Management, Culture & Change
(2012-2013), Head, HR & Employee Relations (2013-2016), (2016-June 2019) and recently she holds the position as Head
Head HR (Finance, HR & Executive) Talent Management, Culture HR Service Delivery and Employee Relations.
& Change (2016-Juni 2019), dan saat ini Eni menjabat sebagai
Head HR Service Delivery and Employee Relations.

kompetensi, sebagai berikut: training such as:
1. Sponsor Leadership Development Program 2019-2020, 1. Sponsor Leadership Development Program 2019-2020,
PT Bank Permata Tbk, Jakarta. PT Bank Permata Tbk, Jakarta.
2. Leadership Program, Vision & Business Sense and Leading 2. Leadership Program, Vision & Business Sense and Leading
Motivating 2019, PT Bank Permata Tbk, Jakarta. Motivating 2019, PT Bank Permata Tbk, Jakarta.

Beliau tidak memiliki hubungan afiliasi dengan anggota Dewan She does not have any affiliations with fellow members of the
Komisaris, maupun dengan anggota Direksi, atau dengan Board of Commissioners, or members of the Board of Directors,


Main Highlights
Management Reports
Company Profile
Risk Management
Operational Review


Pejabat Eksekutif
Executive Officer
Pendidikan Tanggal
Nama Universitas Tempat Lahir Tanggal Lahir Jabatan
No Terakhir Bergabung
Name University Birthplace Birthdate Position
Last Education Hiring Date
1 Adhyansyah University - S1 Universitas Muhammadiyah, Palembang 20-Nov-77 5-Jan-04 Branch Manager KCS Dhani Effendi
Palembang Palembang
2 Aditya Wahyu Windarwo University - S2 University of Colorado Jakarta 5-Jun-77 15-Mar-19 Div. Head, Wealth Management, Retail
Liability Products & Customer Segment
3 Adityo Kristianto University - S2 STIE Prasetiya Mulya Jakarta 17-Dec-76 28-Mar-16 Div. Head, Information Services &
Operations
4 Agus Salim University - S1 STIE Harapan Medan Medan 21-Aug-70 13-Jun-16 Head, Region 10 & 11
5 Agus Susanto University - S2 Universitas Gadjah Mada, Yogyakarta 5-Aug-67 1-Aug-05 Head, Region 6 & Executive Branch
Yogyakarta Coordinator
6 Ahmad Hanief University - S2 LPPM Jakarta 28-Nov-70 1-Sep-08 Head, Shariah Business Channel &
Strategic Alliances
7 Aida Fathya University - S2 Universitas Bina Nusantara, Tanjung Karang 6-Feb-66 1-Feb-10 Div. Head, Rewards & Governance
Jakarta
8 Alpit Sylvana P. Diploma 3 Yayasan Pendidikan Bunga Palu 19-Sep-80 13-Dec-13 Branch Manager KC Sudirman
Bangsa
9 Alto Belli University - S1 Universitas Bina Nusantara, Hpr.Perak 6-Apr-87 1-Jun-10 Executive Branch Manager KC Tempo
Jakarta Scan
10 Alya Bellina Diploma 3 STIE Perbanas Jakarta 11-May-72 21-May-12 Head, Business Operational Risk
Management
11 Amelia Megahmurni Sutoyo University - S1 Universitas Trisakti, Jakarta Palembang 28-Mar-66 8-Jul-91 Div. Head, Talent Acquisition &
Management
12 Andari Saptoarumi University - S1 Universitas Indonesia Jakarta 29-Jul-84 4-Feb-16 Branch Manager KCS Arteri Pondok
Indah
13 Andreas Budi Chandra University - S1 Universitas Siliwangi Tasikmalaya 6-Sep-70 26-Sep-11 Branch Manager KC Yudanegara
Tasikmalaya
14 Andri Bisuk Nicholas Tambunan University - S1 Universitas Sumatera Utara Medan 2-Mar-83 3-Sep-12 Branch Manager KC Padang
Sidempuan
15 Andrias Kus Indrasworo University - S1 Universitas Diponegoro Semarang 29-Mar-75 17-Sep-12 Branch Manager KC Raya Veteran
16 Anke Subandy University - S2 Edith Cowan University,Jakarta Bogor 2-Jan-71 21-Aug-17 Div. Head, Internal Audit
17 Aries Endri Susanto University - S1 Institut Pertanian Bogor Bogor 8-Apr-70 1-Sep-06 Executive Branch Manager KC Ahmad
Yani
18 Arnold Samuel Djianzonie University - S1 STIE Indonesia Makassar, Bandung 11-Nov-79 20-Sep-18 Branch Manager KC Abdullah Silondae
Makassar
19 Benny Tresanto University - S2 Universitas Bina Nusantara, Bogor 3-Apr-75 17-Sep-08 Div. Head, Basel & Market Risk
Jakarta
20 Bertha D. Fuah University - S1 STMIK Gunadharma, Jakarta Kupang 8-Jan-66 1-Jun-02 Executive Branch Manager KC Astra
Agro Lestari
21 Budi Wardana University - S2 Universitas Indonesia Jakarta 14-Apr-69 2-Mar-15 Head, Shariah Wholesale & SME
Banking
22 Chandra University - S1 Universitas Katolik Jakarta 13-May-83 1-May-18 Div. Head,Wholesale Banking & UUS
Parahyangan, Bandung Business Finance
23 Chandra Hamber University - S1 Universitas Klabat Airmadidi Bitung 13-Jan-75 1-Oct-05 Executive Branch Coordinator
24 Chitra Widyanti University - S2 Universitas Indonesia Jakarta 6-Jan-68 28-Feb-97 Head, Shariah Business Planing &
Controller
25 Cilfi Prihatini Senior high school SMA Kartika Jember Jember 12-Apr-72 1-Oct-09 Executive Branch Coordinator & Branch
Manager KC Trunojoyo Jember
26 Danny Surjadi Brata University - S1 Universitas Katolik Bandung 8-Mar-71 7-Jul-08 Executive Branch Manager KC Astana
Parahyangan, Bandung Anyar
27 Dede Ari Mulyawan University - S1 Universitas Tanjungpura Pontianak 3-Dec-80 15-Jul-16 Branch Manager Cabang KCS Teuku
Pontianak Umar Pontianak
28 Dedi Eka Putra Diploma 3 Akademi Teknologi Industri Payakumbuh 24-Oct-75 5-Oct-09 Head of Area Syariah Network 1
Padang
29 Deni Soeryadi Soegiarto University - S2 Universitas Bina Nusantara, Rembang 3-Jun-85 22-Aug-11 Div. Head, Compliance Monitoring &
Jakarta Training
30 Denny University - S1 STMIK Mikroskill, Medan Medan 26-Dec-81 1-Aug-17 Executive Branch Coordinator
31 Dessy Ekawati University - S1 Universitas Islam Bandung Cirebon 28-Dec-73 1-Feb-12 Branch Manager KC Yos Sudarso
Cirebon
32 Dewi K. Prodjohartono University - S1 Universitas Tarumanagara, Yogyakarta 10-Dec-68 18-Jul-18 Div. Head, Commercial Banking 2
Jakarta
33 Dody Santoso University - S1 Universitas Tarumanagara, Yogyakarta 7-Nov-82 31-Oct-14 Executive Branch Manager KC Hayam
Jakarta Wuruk
34 Dyah Adhi Astuti University - S1 Universitas Kristen Satya Salatiga 16-May-68 5-Jun-93 Div. Head, Head HR
Wacana
35 Eddie Sajoga University - S1 Universitas Atmajaya, Jakarta Klaten-Jateng 26-Mar-69 20-Jan-94 Head, Network


Main Highlights
Management Reports
Company Profile
Risk Management
Operational Review
Pendidikan Tanggal
36 Eliot Oktabias Bogaardt University - S2 Institut Teknologi Bandung Jakarta 25-Oct-80 30-Sep-13 Executive Branch Manager KC Daan
Mogot
37 Ella Aminoto University - S2 Universitas Katolik Semarang 14-Oct-79 1-Jun-04 Executive Branch Manager KC
Soegijapranata Bangkong
38 Emmy Sara University - S1 Universitas 17 Agustus 1945 Surabaya 17-Mar-68 12-Sep-11 Executive Branch Manager KC Sunter
Surabaya Royal
39 Eni Widiarti Diploma 3 Sekolah Tinggi Pariwisata (NHI), Bandung 17-Jun-73 19-May-03 Div. Head, Employee Relations & HR
Bandung Service Delivery
40 Erny Yuniwati University - S1 Universitas Pembangunan Magelang 17-Jun-67 11-Nov-91 Branch Manager KC Mangkubumi
Nasional Veteran, Yogyakarta
41 Erwin Bastonie Djunaidi University - S1 Universitas Sriwijaya, Palembang 19-Mar-71 26-Sep-95 Branch Manager KC Kolonel Atmo
Palembang
42 Erwin Ibrahim Prasetya University - S1 Institut Teknologi 10 November Surabaya 16-May-73 5-Nov-09 Head of Area Syariah Network 3
43 Eti Candrawati University - S1 Universitas Tarumanagara, Pekalongan 13-Nov-78 1-Jan-18 Div. Head, Balance Sheet Management,
Jakarta Corporate Planning & Investor Relations
44 Evi University - S1 The University of Sydney Bandung 26-Jan-78 21-May-18 Div. Head, Corporate Banking 2
45 Evi Yuliani Diploma 3 STIE STIKUBANK Wanadadi 4-Sep-71 15-Jul-96 Pemimpin Kantor Cabang Syariah
Semarang (Branch Manager)
46 Evodius Purwoko University - S2 Universitas Indonesia Jakarta 16-Feb-65 15-Mar-13 Divison Head, Retail Banking
Operations
47 Feddy Fadillah University - S1 Institut Pertanian Bogor Padang 28-May-68 8-Jul-19 Head, Shariah System & Operational
Mgt
48 Glenn Ranti Diploma 3 Ihmes International Hotel Jakarta 24-Jun-73 15-Mar-19 Head, Marketing Communication
School
49 Gunawidjaja University - S1 Universitas Atmajaya, Semarang 24-Apr-69 1-Nov-93 Head, Service Excellence & Loan
Yogyakarta Ja-Teng Approval
50 Habibullah University - S2 Universitas Indonesia Bunga Tanjung 6-Sep-74 2-Aug-19 Head, Shariah & Risk Assurance
Management
51 Harfelia Desti University - S2 Universitas Gajah Mada Jakarta 26-Dec-82 14-Feb-14 Div. Head, Corporate Credit Policy &
Portfolio Management
52 Harjono Angkawijaya, Han University - S1 Universitas Pendidikan Bondowoso 6-Mar-68 15-Nov-13 Executive Branch Manager KC Dewi
Nasional Sartika
53 Harkit Dwihargo University - S1 Universitas Surabaya Samarinda 9-Dec-91 26-Mar-13 Branch Manager KC Ahmad Yani
Banjarmasin
54 Harryanto Pramono University - S2 Sekolah Tinggi Manajemen Bandung 12-Jun-70 28-Jan-14 Head, National Non Branch Sales
Prasetiya Mulya
55 Hendra Gunawan University - S1 Universitas Tarumanegara, Jakarta 31-Mar-72 3-May-10 Executive Branch Manager KC
Jakarta Karawang
56 Hendratno Tri Wibowo University - S2 University of Queensland Surakarta 24-May-74 3-Jan-11 Head, Fraud Risk Management
57 Hendro Gunawan University - S1 Universitas Indonesia Jember 26-Mar-72 26-Jul-97 Head, Region 2
58 Hengky Gunawan University - S1 STIE Widya Dharma Pontianak Pontianak 30-Jun-81 18-Jan-05 Branch Manager KC Raja Ali Haji
59 Heri Santoso University - S1 UPN Veteran Jakarta 24-Jul-68 1-Jan-92 Executive Branch Manager KC Atrium
60 Herwanto University - S1 Universitas Bina Nusantara, Sungailiat 20-Aug-84 24-Aug-11 Branch Manager KC Sudirman Pangkal
Jakarta Pinang
61 Hesti Novita University - S1 Universitas Medan Area. Medan 19-Nov-75 28-Aug-17 Branch Manager KCS Palang Merah
Medan, Medan Medan
62 I Wayan Sudana University - S1 Universitas Warmadewa Gianyar 7-Dec-75 22-Jul-13 Executive Branch Mgr KC Gatot
Subroto
63 Indra Gunawan University - S1 University of Texas at Austin Jakarta 16-Apr-81 1-Nov-10 Head, Digital Channel
64 Irwan University - S1 Universitas Hasanuddin Bone 27-Aug-71 10-Sep-12 Pemimpin Kantor Cabang Syariah (BM)
Makassar
65 Iwan Hendra University - S1 Universitas Indonesia Jakarta 2-Aug-69 1-Sep-11 Div. Head, Collections, Recoveries &
Fraud Control
66 Iwan Nataliputra University - S2 Universitas Indonesia Purwokerto 3-Oct-64 4-Oct-19 Div. Head, Strategy Office & Astra
Relationship
67 Jennifer Evelyn Diploma 1 Kensington Institute Medan 25-Oct-87 30-Aug-10 Executive Branch Coordinator
68 Jenny Widjaja University - S1 University of Newcastle Medan 26-Jan-64 23-Nov-05 Head, Global Markets
69 Julie Welirangan University - S1 Universitas Hassanudin Ujung Pandang 28-Nov-67 30-Sep-91 Executive Branch Manager KC Bintaro 7
Makassar
70 Juniarto Sianipar University - S1 Institut Teknologi Bandung Bandung 5-Jun-74 18-Apr-11 Div. Head, Risk Retail Banking
71 Katharine Grace University - S2 University of London Balikpapan 2-Aug-72 15-Jan-10 Head, Corporate Secretary

Pejabat Eksekutif
Executive Officer
Pendidikan Tanggal
72 Kiantono Tjahja University - S1 Universitas Tanjungpura, Pontianak 16-Oct-80 2-Jul-18 Head, Region 8
Pontianak
73 Klaudia Sulistio University - S1 Universitas Tarumanegara, Bandung-Jabar 4-Oct-67 9-Nov-92 Executive Branch Manager KC Menara
Jakarta Citicon
74 Krisbowo Singgih Widodo University - S1 Universitas Brawijaya Semarang 13-Oct-74 6-Jun-11 Branch Manager KC Purwokerto
75 Kusuma Wardani University - S2 Universitas Indonesia Sukabumi 17-Apr-65 26-Feb-96 Head, Legal
76 Kwa Chin Seng University - S1 Universitas Bandar Lampung Teluk Betung 25-Sep-79 25-May-11 Executive Branch Manager KC
Malahayati
77 Lambas Marasi Tua LG University - S2 IBII Jakarta Marade 18-Jan-79 25-Nov-16 Div. Head, Special Asset Management
78 Leony Krisna Damayanti University - S1 Universitas Brawijaya Kediri 27-Jul-81 2-Apr-12 Branch Manager KC Kediri
79 Liliana Kusuma University - S1 Institut Keguruan dan Ilmu Demak 11-Aug-65 29-Jul-13 Executive Branch Manager KC Slamet
Pendidikan Riyadi
80 Lina Alexandra Shen University - S1 ISTP, Medan Medan 2-Nov-83 3-Apr-17 Branch Manager KC Sudirman
Pekanbaru
81 Luciana Dewi Solaiman University - S1 Universitas Katolik Bandung 30-Jul-69 1-Dec-11 Head, Region 4
Parahyangan, Bandung
82 Lucyawati A.Hutagaol University - S2 Technique University of Delft Jakarta 3-Dec-78 2-Sep-13 Div. Head, Operations Risk, Process &
Service Management
83 Maria Patricia Gautama University - S2 Universitas Pelita Harapan Malang 8-Jun-79 6-Feb-15 Div. Head, Procurement Vendor
Management
84 Mariam University - S1 Universitas Tanjungpura, Pontianak 14-Oct-72 4-May-09 Head, Region 3
Pontianak
85 Marijani University - S2 Institut Teknologi Bandung Pati 19-May-71 1-Mar-11 Div. Head, Operational & Integrated
Risk Management
86 Mario J Simanjuntak University - S1 Universitas Indonesia Jakarta 29-Jul-68 10-Oct-18 Div. Head, Litigation
87 Martha Julia Widjajanti University - S2 Southern Illinois University at Cirebon 29-Jul-69 11-Sep-17 Div. Head, Head Human Resources
Setiawati Carbondale
88 Meni University - S1 Universitas Indonesia Jambi 12-Nov-77 6-Jan-14 Executive Branch Manager KC Mangga
Dua
89 Mimie University - S1 Universitas Trisakti Pontianak 21-Aug-73 17-Apr-13 Executive Branch Manager KC
Boulevard Kelapa Gading
90 Ming Tak University - S1 Universitas Kristen Petra, Negara 20-Feb-81 1-Feb-18 Executive Branch Manager KC
Surabaya Sudirman
91 Monita University - S1 Universitas Atmajaya, Jakarta Pontianak 1-Nov-69 8-Jul-91 Div. Head, Commercial Banking 1
92 Muh. Husni H.S. University - S1 Universitas Hassanudin, Pangkep 10-Jan-72 20-Nov-00 Head, Syariah Network
Makassar
93 Muhammad Rahmat University - S1 Universitas Indonesia Pontianak 18-Mar-81 11-Oct-18 Div. Head, Compliance Regulatory
Laksamana Affairs Advisory
94 Munir University - S1 Universitas Bina Nusantara, Jakarta 10-Feb-69 2-May-17 Div. Head, Digital Delivery
Jakarta
95 Natalia University - S1 Akademi Keu. & Perbankan ICM Medan 25-Dec-86 16-Jul-07 Executive Branch Manager KC Palang
Merah
96 Ni Ketut Ayu Debby Susanti University - S1 STIMI Handayani Mataram 30-Aug-73 2-Feb-15 Branch Manager KC Pejanggik
Lingga
97 Novita Amalia University - S2 Universitas Gadjah Mada Banjarmasin 18-Nov-78 25-Apr-11 Pemimpin Kantor Cabang Syariah (BM)
Banjarbaru
98 Osbie Osman University - S1 Universitas Tarumanegara, Jambi 14-Jun-76 22-Sep-14 Executive Branch Manager KC
Jakarta Menteng Gondangdia
99 Pierre Alain Hewarlela Diploma 3 STIE Perbanas Jakarta Jakarta 10-Nov-67 17-May-10 Div. Head, Wholesale Banking
Operations
100 Ponti Halimansyah University - S1 Universitas Gunadarma Jakarta 23-Apr-74 27-Dec-11 Executive Branch Manager KC Kapten
Muslihat
101 Popy Surjanto University - S1 Universitas Tarumanegara, Jakarta 8-Jun-73 19-Jan-09 Executive Branch Manager KC Pluit
Jakarta
102 Pristiawan Bayu Aji Diploma 3 Institut Pertanian Bogor Ponorogo 1-Aug-77 24-Aug-17 Executive Branch Coordinator
103 Prita Andriani University - S1 Institut Teknologi Bandung Bandung 14-Nov-71 14-Nov-03 Executive Branch Manager KC Merdeka
104 Rakhmat Wijaya University - S1 Universitas Tarumanagara, Jakarta 10-Oct-80 22-Jan-18 Div.Head, Retail Banking & Network
Jakarta Business Finance and Performance
Management
105 Renny Yanuarti University - S1 Universitas Islam Indonesia Jember 17-Jan-67 1-Mar-96 Pemimpin Kantor Cabang Syariah (BM)
Yogyakarta
106 Richard Budiono University - S2 Baylor University,Texas MALANG 20-Nov-76 25-Jan-17 Div. Head, Transaction Banking
107 Richele C.I. Maramis University - S1 European University Jakarta 12-Sep-68 26-Apr-16 Head, Corporate Affairs
108 Ricky Diego Yap University - S1 STIE Institut Bisnis Indonesia Sidikalang 5-Sep-82 28-Apr-08 Head, Region 9


Main Highlights
Management Reports
Company Profile
Risk Management
Operational Review
Pendidikan Tanggal
109 Ridyawati University - S1 Universitas Methodist Medan 9-May-74 26-Dec-16 Executive Branch Manager KC Zainul
Indonesia, Medan Arifin
110 Rina Diana University - S2 West Coast University Jakarta 24-Jan-67 23-Nov-16 Div. Head, Financial Institutions
111 Rinaldi Agustian Azis University - S1 Sekolah Tinggi Teknologi Jakarta 14-Aug-75 23-Jun-14 Head, Shariah Retail Banking
TELKOM
112 Rini Indriani University - S1 Universitas Airlangga Dumei 22-Oct-73 1-May-12 Head of Area Syariah Network 2
113 Rosalia Abadi University - S1 Universitas Tarumanegara Jakarta 14-Apr-63 2-Nov-87 Head, Secured Lending (Motgage &
Indirect Consumer Financing)
114 Rukiat Tasib University - S1 Universitas Bung Hatta, Padang Padang 5-Jan-67 3-Aug-09 Branch Manager KC Padang
115 Rusty Manjarsari Diploma 3 Institut Pertanian Bogor Bogor 15-Sep-83 5-Apr-12 Executive Branch Manager KC Bukit
Darmo Golf
116 Sandra Monica Therik University - S1 Universitas Budi Luhur Ujung Pandang 6-Oct-67 21-Nov-11 Head, Unsecured Lending (CC, PL) &
Business Development
117 Seno R. Sugiri University - S1 Universitas Katolik Bandung 27-Jan-88 28-Mar-11 Branch Manager KCS Bandung
Parahyangan, Bandung
118 Setiatno Budiman University - S2 Oklahoma City University Jakarta 19-Nov-68 1-Sep-16 Senior Credit Officer
119 Singso Setiono University - S1 Universitas Kristen Maranatha Bandung 18-Jul-68 8-Jul-91 Head, Region 5
120 Siti Suhartini University - S1 Universitas Borobudur Jakarta 8-Apr-72 26-Sep-11 BM KCS Pekanbaru
121 Siti Wahyuni University - S1 Universitas Syah Kuala Banda Lhokseumawe 31-Oct-80 12-Sep-06 Branch Manager KCS Aceh
Aceh
122 Sonni Sumampouw University - S1 STIE Pioneer Manado Surabaya 29-Sep-73 1-Feb-11 Branch Manager KC Pierre Tendean
123 Suleiman Salim University - S1 Wage Rudolf Supratman 1 Medan 7-Dec-65 16-Jan-86 Branch Manager KC Kabanjahe
124 Sulis Widyatmoko, IR University - S1 Universitas Jember Blitar 7-Jun-71 1-Apr-13 Pemimpin Kantor Cabang Syariah
Surabaya (BM)
125 Sulong University - S1 Universitas HKBP Nommensen, Rantau Prapat 25-Sep-65 29-Apr-93 Executive Branch Coordinator
Medan
126 Supriyadi University - S1 Universitas Mulawarman, Magetan 2-Oct-81 3-Apr-17 Branch Manager KCS Hasan Basri
Samarinda Samarinda
127 Taidiana University - S1 Universitas Kristen Krida Jambi 25-Aug-77 19-Aug-19 Branch Manager KC Jelutung Jambi
Wacana
128 Tan Sherly University - S1 Universitas Kristen Petra Balikpapan 16-Apr-84 1-Jul-05 Branch Manager KC Sudirman
Balikpapan
129 Theresia Ong University - S1 Universitas Bina Nusantara, Palembang 19-Apr-80 31-Mar-08 Div. Head,WB Ops.Risk & Business
Jakarta Support
130 Titis Yurina University - S1 Universitas Airlangga Semarang 13-Sep-68 20-Jul-94 Div. Head, Head Human Resources
131 Tjiang Tony University - S2 Universitas Surabaya Makassar 22-Feb-75 1-Nov-11 Executive Branch Manager KC
Sudirman
132 Tri Handayani University - S1 Universitas Kristen Satya Salatiga 12-Apr-69 1-Oct-92 Executive Branch Manager KC
Wacana, Salatiga Pandanaran
133 Venny Selvia University - S1 STMIK Mikroskil Medan 27-Sep-81 22-Mar-05 Executive Branch Manager KC WTC
Sudirman
134 Vera Susana Simbolon University - S1 Universitas Merdeka, Malang Medan 2-Feb-72 17-Feb-97 Executive Branch Manager KC Melawai
135 Verry University - S1 Universitas Atma Jaya, Jakarta Jakarta 14-Jan-78 8-Jan-18 Head, Region 1
136 Vissiana Madonna Matindas Senior high school SMA Kristen Tomohon, Manado Tomohon 8-May-70 3-Nov-89 Executive Branch Manager KC Intercon
Kebon Jeruk
137 Wijani Tjendro University - S1 Universitas Surabaya Surabaya 1-May-65 2-Jan-08 Head, Region 7 & Executive Branch
Manager KC Tunjungan
138 Willy Budiman University - S2 California State University, Purwokerto 11-Sep-76 3-Mar-11 Div. Head Anti Money Laundering
Fullerton
139 Wiwi Yuliana University - S1 STIE Widya Dharma Pontianak 8-Mar-87 15-Jul-09 Executive Branch Manager KC Ahmad
Yani Pontianak
140 Y.N.Anita Dewi University - S1 Universitas Atmajaya, Klaten 3-Jan-71 10-Mar-09 Branch Manager KC Tegal
Yogyakarta
141 Yohanes Suhardi University - S2 University Oklahoma City Pk.Pinang 4-Jan-65 2-Apr-07 Head, SME Banking
142 Yudo Abrianto University - S1 Universitas Indonesia Jakarta 4-Oct-68 20-Nov-17 Div. Head, Tax Management
143 Yuni Wardani University - S1 Universitas Islam Indonesia Kuala Simpang 14-Jun-72 12-Aug-09 Branch Manager KC Diponegoro
Samarinda
144 Stefanus Ricky Yulianto University - S1 Universitas Ma Chung Malang 27-Jul-89 28-Mar-11 Executive Branch Manager KC Bromo
145 Fanny Pontoh University - S1 Universitas Klabat Airmadidi Inobonto- 10-Aug-68 27-Oct-97 Div. Head, Financial Controller
Manado

Jumlah Karyawan
Number of Employees
Hingga Desember 2019, jumlah keseluruhan karyawan As of December 2019, total employees of PermataBank reached
PermataBank mencapai 7.806 orang, dari 7.776 orang pada tahun 7,806 people, from 7,776 people in 2018.
2018.
Jumlah Karyawan
2019 2018
Total Employee
Total 7.806 7.776
Jumlah Karyawan berdasarkan Direktorat

Total Employees based on Business Unit
Direktorat
2019 2018
Business Unit
Retail Banking 1.263 1.270
Network 3.493 3.573
Shariah Business Unit 349 288
Wholesale Banking 308 277
Technology & Operations 1.288 1.287
Risk Management 695 681
Legal & Compliance 92 89
Finance 117 122
Human Resources 77 76
President Director’s Office 81 83
GMAP 23 10
BOD, BOC & Committee 20 20
Total 7.806 7.776
Jumlah Karyawan berdasarkan Status Kepegawaian

Total Employees based on Level of Employment Status
Status Kepegawaian
2019 2018
Employment Status
Permanen | Permanent 7.072 7.066
Kontrak | Contract 734 710
Total 7.806 7.776


Main Highlights
Management Reports
Company Profile
Risk Management
Operational Review
Jumlah Karyawan berdasarkan Level Jabatan

Total Employees based on Position
Level Jabatan
2019 2018
Position
BOD, BOC & Committee 20 20
Head Department/Division 306 293
Supervisor/Manager 2.420 2.248
Officer/Associate 5.060 5.215
Total 7.806 7.776
Jumlah Karyawan berdasarkan Masa Kerja

Total Employees based on Length of Service
Masa Kerja (tahun)
2019 2018
Length of Service (years)
<= 1 1.405 1.003
>1-3 1.468 1.603
>3-5 724 906
>5-10 2.019 1.940
>10-15 474 591
>15-20 308 241
> 20 1.408 1.492
Total 7.806 7.776

Jumlah Karyawan
Number of Employees
Jumlah Karyawan berdasarkan Usia

Total Employees based on Age
Usia (tahun)
2019 2018
Age (years old)
<= 25 573 557
>25-30 1.728 1.791
>30-35 1.717 1.638
>35-40 1.217 1.170
>40-45 874 967
>45-50 1.049 1.042
> 50 648 611
Total 7.806 7.776
Jumlah Karyawan berdasarkan Gender

Total Employees based on Gender
Gender
2019 2018
Gender
Pria 3.313 3.257
Wanita 4.493 4.519
Total 7.806 7.776
Jumlah Karyawan berdasarkan Jenjang Pendidikan

Total Employees based on Level of Education
Pendidikan
2019 2018
Education
Universitas | University - S3 3 2
Universitas | University - S2 338 327
Universitas | University - S1 5.509 5.372
Diploma 3 - 4 1.089 1.128
Diploma 1 - 2 72 75
Sekolah menengah atas dan ke bawah 795 872

Senior high school and below
Total 7.806 7.776


Main Highlights
Management Reports
Pengembangan
Company Profile
Risk Management
Operational Review
Kompetensi Karyawan
Ringkasan Pelatihan
Training Summary
Topik Utama Tujuan Cakupan Topik Pelatihan
Main topic Purpose Coverage of Training Topics
Bisnis • Meningkatkan kualitas pengetahuan dan • Syariah

Pada akhir tahun 2019, dari total karyawan yang keterampilan dalam rangka mencapai kinerja • Retail Banking
diwajibkan tercapai pemenuhan 94% untuk AAJI, perusahaan secara optimal. • Wholesale Banking
96% untuk AASI, 99% untuk RMC, dan 94% untuk • Sertifikasi untuk pelatihan yang diwajibkan sesuai • Sertifikasi (misalkan AAJI/AASI/RMC/WAPERD,
WAPERD. regulasi. WM, dan CSA/CFP)
Business • Improving the quality of knowledge and skills in • Certification (such as AAJI/AASI/RMC/WAPERD,
At the end of 2019, there was an achievement order to achieve optimum company performance. WM, and CSA/CFP)
of 94% for AAJI, 96% for AASI, 99% for RMC, • Certification for mandatory training in accordance
and 94% for WAPERD, from the total number of with regulations.
employees requiring certification.
Operasional • Meningkatkan kemampuan, pengetahuan dan • Kepatuhan

Pemantauan paska pelatihan menunjukkan 60% keterampilan karyawan mencapai proses kerja • Proses Kerja
peserta dapat mempertahankan tingkat kinerja ESA yang lebih efektif dan efisien dengan tetap berada • Pengawasan/Kontrol (misalkan Fraud Risk
(Excellent, Satisfactory, Achieved). dalam kerangka regulasi. Awareness)
• Untuk memenuhi ketentuan regulasi yang • Sertifikasi
Operations diberikan kepada seluruh pengurus dan pejabat
Post-training monitoring showed 60% of Bank dengan tujuan untuk meningkatkan kualitas • Compliance
participants were able to maintain ESA (Excelelnt, manajemen risiko serta tata kelola perusahaan. • Work process
Satisfactory, Achieved) performance level. • Supervision/Control (such as Fraud Risk
• Improving employees’ capabilities, knowledge Awareness)
and skills to obtain a more effective and efficient • Certification
work process while remaining within the
framework of regulation.
• To comply with regulatory requirements for
management and officers of the Bank with
the objective of improving the quality of risk
management and corporate governance.
Kepemimpinan • Pengembangan jiwa kepemimpinan karyawan • Kepemimpinan Diri

1.162 level manajer ke atas telah mengikuti serta motivasi karyawan untuk meningkatkan • Kepemimpinan Tim Kerja
pelatihan dengan materi leadership untuk kinerja dan karier. • Sertifikasi (misalkan sertifikasi kepemimpinan
membekali para pimpinan unit/departemen dalam • Pembelajaran dan sertifikasi bagi para calon cabang)
mempimpin anggota tim. pemimpin cabang.
• Self leadership
Leadership • Developing employee leadership capacity as well as • Work Team leadership
1,162 personnel from manager level and up have motivation towards higher performance and career. • Certification (such as branch leadership
participated in leadership training to equip unit/ • Training and certification for branch manager certification)
department heads with the capacity to lead their teams. candidates.
Kredit • Pembelajaran dasar mengenai ‘Lending Process’ • Modul Kredit untuk unit Bisnis, Pengawasan dan
Pada tahun 2019, 68% jajaran pemimpin di Divisi bagi karyawan baru yang menduduki posisi yang Kontrol (misalkan Corporate Credit Course,
Wholesale Banking telah dilatih dan lulus Corporate berhubungan dengan kredit. Hukum Perjanjian Kredit)
Credit Course. • Sertifikasi yang diberikan bagi para karyawan • Foundation Program (misalkan Credit Analyst
yang terkait dengan kredit, untuk memastikan Foundation, Basic Lending)
Loans karyawan memiliki kompetensi yang sesuai • Sertifikasi (misalkan E-Certification Lending,
In 2019, 68% of leaders in the Wholesale Banking dengan kebutuhan yang diatur dalam regulasi. Trade Certification)
Division have been trained and passed the
Corporate Credit Course. • Basic learning on ‘Lending Process’ for new • Credit Module for Business, Supervision and
employees in credit-related positions. Control units (such as Corporate Credit Course,
• Certification provided to credit-related employees Credit Agreement Law)
to ensure that these employees have the needed • Foundation program (such as Credit Analyst
competency as required in the regulations. Foundation, Basic Lending)
• Certification (such as E-Certification Lending,
Trade Certification)

Pengembangan Kompetensi Karyawan

Topik Utama Tujuan Cakupan Topik Pelatihan

Main topic Purpose Coverage of Training Topics
Lainnya Memastikan kesadaran serta kepatuhan atas • Kepatuhan (misalkan CDD – AML)
Pada tahun 2019, 612 karyawan baru telah kebijakan, budaya, dan peraturan yang berlaku serta • Kode Etik
mengikuti pelatihan New Employee Orientation memastikan keterampilan implementasinya dalam • Budaya (misalkan NEOP)
Program (NEOP). kinerja sehari-hari dalam rangka menunjang aspek
kepatuhan PermataBank secara keseluruhan. • Compliance (such as CDD-AML)
Karyawan juga rutin diberikan refreshment setiap • Code of Conduct
tahun terhadap pengetahuan tentang kepatuhan To ensure awareness and compliance to prevailing • Culture (such as NEOP)
melalui modul E-learning Budaya Kepatuhan, CDD policies, culture and regulations as well as to ensure
AML, dan Kode Etik Karyawan PermataBank. the skilfull implementation in the day-to-day
work activities to support PermataBank’s overall
Others compliance level.
In 2019, 612 newly-recruited employees attended
the New Employee Orientation Program (NEOP).
Employees also received regular annual refreshment

training on compliance through learning modules
such as E-Learning Compliance Culture, CDD AML,
and PermataBankers Code of Conduct.
Persentase Rata-Rata Karyawan yang mengikuti pelatihan berdasarkan Level Jabatan

Percentage (%) of employees participating in training - based on employee position
Level Jabatan | Position level 2019 2018

BOD 100% 88%
Head Department/Division 100% 99%
Supervisor/Manager 99% 99%
Officer/Associate 96% 94%
Total 98% 97%
Persentase (%) karyawan yang mengikuti pelatihan berdasarkan Jenis Pelatihan

Percentage (%) of employees participating in training - based on training type
Program 2019 2018
Sertifikasi | Certification 19% 14%
Class Program 2% 1%
Kepemimpinan | Leadership 19% 14%
Soft Skills 2% 10%
Technical Skills 98% 96%


Main Highlights
Management Reports
Company Profile
Risk Management
Operational Review
BIAYA PELATIHAN TRAINING COST

Berikut ini adalah pelaksanaan pelatihan dan pengembangan The following is implementation of talent training and development
talenta yang dijalankan sepanjang tahun 2019: programs in 2019:
Training Man-Days/Karyawan Biaya Pelatihan (Rp Juta)

Training Man-Days/Employee Training Cost (Rp millions)
Program Anggaran Realisasi Realisasi
2019 2018 Budget Realization Realization
2019 2019 2018
Sertifikasi | Certification 1,1 1,5 3.171 4.870 3.733
Class Program 2,0 2,4 8.543 1.791 2.476
Kepemimpinan | Leadership 2,0 1,1 4.780 4.610 1.686
Soft Skill 1,6 0,3 1.550 2.269 2.692
Technical Skill 0,3 0,5 30.265 40.492 16.833
Total 5,6 5,3 48.309 54.034 27.420

Informasi
Pemegang Saham
Shareholders Information
Komposisi Pemegang Saham Posisi 31 Desember 2019

Shareholders Composition as of 31 December 2019
Nama Pemegang Saham Jumlah Kepemilikan Persentase Kepemilikan (%)
No
Shareholders Name Total Ownership Percentage (%)
Pemegang Saham dengan Kepemilikan Saham 5% atau Lebih | Above 5% Shareholding
1 PT Astra International Tbk 12.495.714.666 44,56
2 Standard Chartered Bank 12.495.714.666 44,56
Dewan Komisaris dan Direksi sebagai Pemegang Saham PermataBank

Board of Commissioners and Board of Directors as PermataBank Shareholders
Dewan Komisaris | Board of Commissioners
1 Sebastian Ramon Arcuri - -
2 Suparno Djasmin - -
3 David Allen Worth - -
4 Haryanto Sahari - -
5 Zulkifli Zaini - -
6 Rahmat Waluyanto - -
7 Mark Spencer Greenberg - -
8 Ian Charles Anderson - -
Direksi | Board of Directors
1 Ridha DM Wirakusumah - -
2 Abdy Dharma Salimin - -
3 Lea Setianti Kusumawijaya - -
4 Darwin Wibowo - -
5 Dhien Tjahajani - -
6 Djumariah Tenteram - -
7 Herwin Bustaman - -
8 Dayan Sadikin - -
Pemegang Saham Masyarakat | Public Shareholders
1 Masyarakat | Public 3.051.309.873 10,88
Jumlah | Total 28.042.739.205 100,00


Main Highlights
Management Reports
Company Profile
Risk Management
Operational Review
Komposisi Pemegang Saham Posisi 31 Desember 2018 dan 1 Januari 2019

Shareholders Composition as of 31 December 2018 and 1 January 2019
Nama Pemegang Saham Jumlah Kepemilikan Persentase Kepemilikan (%)
No
Shareholders Name Total Ownership Percentage (%)
Pemegang Saham dengan Kepemilikan Saham 5% atau Lebih | Above 5% Shareholding
Dewan Komisaris dan Direksi sebagai Pemegang Saham PermataBank

Board of Commissioners and Board of Directors as PermataBank Shareholders
Dewan Komisaris | Board of Commissioners
1 Sebastian Ramon Arcuri - -
2 Suparno Djasmin - -
3 David Allen Worth - -
4 Haryanto Sahari - -
5 Zulkifli Zaini - -
6 Rahmat Waluyanto - -
7 Mark Spencer Greenberg - -
8 Ian Charles Anderson - -
Direksi | Board of Directors
1 Ridha DM Wirakusumah - -
2 Dhien Tjahajani - -
3 Lea Setianti Kusumawijaya - -
4 Loh Tee Boon - -
5 Abdy Dharma Salimin - -
6 Darwin Wibowo - -
7 Djumariah Tenteram - -
8 Herwin Bustaman - -
Pemegang Saham Masyarakat | Public Shareholders
1 Masyarakat | Public 3.051.309.873 10,88
Jumlah | Total 28.042.739.205 100,00

Informasi Pemegang Saham

Shareholders Information
Komposisi Pemegang Saham berdasarkan Kelas Saham

Shareholders Composition based on Shares Class
Jumlah Saham Jumlah Nilai Nominal (Rp)
Pemegang Saham Total Shares Total Nominal Value (Rp) %
Shareholders
Kelas A | Class A Kelas B | Class B Kelas A | Class A Kelas B | Class B
PT Astra International Tbk - 12.495.714.666 - 1.561.964.333.250 44,56%
Standard Chartered Bank - 12.495.714.666 - 1.561.964.333.250 44,56%
Masyarakat | Public 26.880.234 3.024.429.639 336.002.925.000 378.053.704.875 10,88%
Jumlah Modal Ditempatkan dan Disetor 26.880.234 28.015.858.971 336.002.925.000 3.501.982.371.375 100,00%
Issued and Paid-up Capital
Saham dalam Portepel - 69.296.117.629 - 8.662.014.703.625 71,00%

Shares from Portfolio
Jumlah Pemegang Saham berdasarkan Klasifikasi

Total Shareholders based on Classification
Klasifikasi Jumlah Pemegang Saham Persentase
Classification Total Shareholders Percentage
Kepemilikan institusi lokal 431 47,404%

Ownership by local institution
Kepemilikan institusi asing 135 49,338%

Ownership by foreign institution
Kepemilikan individu lokal 8.307 3,252%

Ownership by local individual
Kepemilikan individu asing 74 0,007%

Ownership by foreign individual


Main Highlights
Management Reports
20 Pemegang
Company Profile
Risk Management
Operational Review
Saham Terbesar
Top 20 Shareholders
Nama Jumlah Saham Persentase

No.
Name Total Shares Percentage
3 Citibank New York S/A Government of Norway - 23 300.000.000 1,07
4 Adrian Wicaksono 142.017.800 0,51
5 Citibank New York S/A Government of Norway - 16 137.358.033 0,49
6 BP2S Luxembourg/Aberdeen Standard SICAV I-Asian Smaller Companies Fund 125.227.438 0,45
7 Suwantara Gotama 109.803.500 0,39
8 Reksadana Sam Dana Cerdas 108.000.020 0,39
9 Amanusa Investment Inc 81.541.938 0,29
10 HSBC-Fund SVS AC 006 Samsung ASEAN Securities Master Investment Trust (Equity) 74.878.700 0,27
11 JPM Prime Noms Sett Acct 73.364.200 0,26
12 Reksadana Sam Indonesia Equity Fund- 846654000 65.000.014 0,23
13 PT Prudential Life Assurance - Ref 64.282.500 0,23
14 Credit Suisse Securities (USA) Llc-Client-95224000 62.554.900 0,22
15 Jonathan Chang 55.458.141 0,20
16 Manulife Dana Ekuitas 52.193.500 0,19
17 Credit Suisse (Hong Kong) Limited-94154000 42.996.500 0,15
18 Allianz Life Ind - Smartlink Rupiah Equity Fund 41.467.900 0,15
19 Alwi Halim 38.435.500 0,14
20 Citibank New York S/A Emerging Markets Core Equity Portfolio of DFA Inv Dimensions Grp Inc. 36.035.219 0,13

Informasi Pemegang
Saham Utama
Main Shareholders Information
PT Astra International Tbk PT Astra International Tbk

PT Astra International Tbk didirikan di Jakarta pada tahun 1957 PT Astra International Tbk was established in 1957 in Jakarta as a
sebagai sebuah perusahaan perdagangan umum dengan nama general trading company under the name Astra International Inc.
Astra International Inc. Pada tahun 1990, telah dilakukan perubahan In 1990, for the purpose of the company’s Initial Public Offering
nama menjadi PT Astra International Tbk, setelah dilakukannya (IPO), the name of the company changed to PT Astra International
penawaran umum perdana saham perseroan kepada masyarakat, Tbk, followed by listing its shares on the Indonesia Stock Exchange
yang dilanjutkan dengan pencatatan saham perseroan di Bursa Efek under the ticker code ASII.
Indonesia dengan menggunakan ticker ASII.
Astra telah mengembangkan bisnisnya dengan menerapkan Astra has developed its business by implementing a business
model bisnis yang berbasis sinergi dan terdiversifikasi pada tujuh model based on synergies and diversification within seven
segmen usaha, terdiri dari: Otomotif; Jasa Keuangan; Alat Berat, business segments, consisting of: Automotive; Financial Services;
Pertambangan, Konstruksi dan Energi; Agribisnis; Infrastruktur dan Heavy Equipment, Mining, Construction, and Energy, Agribusiness;
Logistik; Teknologi Informasi; dan Properti. Dengan bisnis yang Infrastructure and Logistics; Information Technology; and Property.
beragam, Astra telah menyentuh berbagai aspek kehidupan bangsa With such a diversified business, Astra has touched various aspects
melalui produk dan layanan yang dihasilkan. Dalam kehidupan of national life through its products and services. In everyday life, the
sehari-hari, masyarakat Indonesia menggunakan sepeda motor people of Indonesia use motorcycles and cars, toll roads, printers,
dan mobil, jalan tol, printer, hingga layanan pembiayaan, perbankan as well as financial services, banking and insurance from Astra.
dan asuransi milik Astra. Pelaku bisnis bermitra dengan Astra dan Business owners continue partnerships with Astra and utilize a
memanfaatkan berbagai kendaraan komersial, alat berat, layanan variety of commercial vehicles, heavy equipment, logistics services,
logistik, sistem teknologi informasi dan jasa penambangan dari Astra. information technology systems and mining services from Astra.
Berbagai produk yang dihasilkan, antara lain minyak kelapa sawit, Many products, including palm oil, coal and motor vehicles continue
batu bara dan kendaraan bermotor, terus diekspor sehingga Astra to be exported, thus allowing Astra to contribute in generating
dapat berkontribusi dalam menyumbangkan devisa bagi negara. foreign exchange revenues for the country.
Kegiatan operasional bisnis yang tersebar di seluruh Indonesia Astra conducted business operations in all parts of Indonesia
dikelola melalui lebih dari 220 anak perusahaan, ventura bersama managed by more than 220 subsidiaries, joint ventures and
dan entitas asosiasi, dengan didukung oleh lebih dari 220.000 associates, and was supported by more than 220,000 employees.
karyawan. Sebagai salah satu grup usaha terbesar nasional saat As one of the nation’s largest business groups today, Astra has built
ini, Astra telah membangun reputasi yang kuat melalui penawaran a strong reputation through a range of diverse and superior products
rangkaian produk dan layanan berkualitas, dengan memperhatikan and services, with due observance to the highest corporate
pelaksanaan tata kelola perusahaan dan tata kelola lingkungan governance and environmental governance standards. Astra
yang baik. Astra senantiasa beraspirasi untuk menjadi perusahaan continually aspires to become a corporate citizen that is considered
kebanggaan bangsa yang berperan serta dalam upaya untuk as a “Pride of the Nation”, one who is actively involved in the national
meningkatkan kesejahteraan masyarakat Indonesia. Oleh karena efforts to improve the welfare of Indonesian people. To this end,
itu, kegiatan bisnis Astra berupaya menerapkan perpaduan yang Astra runs business activities through a balanced combination of
berimbang pada aspek komersial bisnis dan sumbangsih non-bisnis the business’ commercial interests and non-business contributions
melalui program tanggung jawab sosial yang berkelanjutan di bidang implementing ongoing social responsibility programs focused on
kesehatan, pendidikan, lingkungan serta pengembangan Usaha four main areas: health, education, environment, as well as Small
Kecil dan Menengah (UKM). and Medium Enterprises (SME) development.
Untuk informasi lebih lanjut, silahkan kunjungi: For more information, please visit:
www.astra.co.id www.astra.co.id
Alamat Kantor: Office Address:

Menara Astra Lt. 59 Menara Astra Lt. 59
Jl. Jenderal Sudirman Kav 5-6 Jl. Jenderal Sudirman Kav 5-6
Jakarta 10220 Jakarta 10220
Indonesia Indonesia


Main Highlights
Management Reports
Company Profile
Risk Management
Operational Review
Standard Chartered Bank Standard Chartered Bank

Standard Chartered Bank adalah bank internasional terkemuka Standard Chartered Bank is a leading international bank operated
yang telah beroperasi selama lebih dari 160 tahun di beberapa for over 160 years in some of the world’s most dynamic markets,
pasar paling dinamis di dunia, serta terdaftar di Bursa Efek London and listed on the London and Hong Kong Stock Exchanges
dan Hong Kong serta Bursa Efek Mumbai dan Nasional di India. as well as the Bombay and National Stock Exchanges in India.
Fokus geografis kami di pasar lokal Asia, Afrika, dan Timur Tengah Our geographical focus in rapidly developing Asia, Africa, and
yang berkembang pesat serta disertai dengan komitmen untuk the Middle East markets and committed to developing deep
membangun hubungan yang erat dengan klien dan nasabah telah relationships with clients and customers has driven SCB growth
mendorong pertumbuhan SCB dalam beberapa tahun terakhir. in recent years.
Dengan memiliki lebih dari 1.000 cabang, kantor dan outlet With over 1,000 branches, offices and outlets in 60 markets,
di 60 pasar, Standard Chartered menawarkan peluang karier Standard Chartered offers exciting and challenging international
internasional yang menarik sekaligus menantang bagi lebih career opportunities for more than 86,000 employees. It is
dari 86.000 karyawannya. Standard Chartered berkomitmen committed to building a sustainable business over the long term
pada pembangunan bisnis jangka panjang yang berkelanjutan, and is trusted worldwide for upholding high standards of corporate
serta dipercaya di seluruh dunia karena konsistensinya dalam governance, social responsibility, environmental protection and
menerapkan standar yang tinggi dalam tata kelola perusahaan, employee diversity. Standard Chartered’s heritage and values are
tanggung jawab sosial, perlindungan lingkungan dan keragaman expressed in its brand promise, ‘Here for good.’
karyawan. Tradisi dan nilai-nilai Standard Chartered dituangkan
dalam brand promise, ‘Here for good.’
Untuk informasi lebih lanjut, silahkan kunjungi: For more information, please visit:
www.sc.com www.sc.com
Alamat Kantor Pusat: Head Office Address:

Standard Chartered Bank, Standard Chartered Bank,
1 Basinghall Avenue, London, EC2V 5DD 1 Basinghall Avenue, London, EC2V 5DD
Alamat Kantor Perwakilan di Indonesia: Representative Office in Indonesia Address:

Menara Standard Chartered Bank Menara Standard Chartered Bank
Jl. Prof Dr Satrio No. 164 Jl. Prof Dr Satrio No. 164
Jakarta 12930 Jakarta 12930

Data Anak Perusahaan

dan Penyertaan Saham
Lainnya
Subsidiaries and Others Investment in Shares
Data Anak Perusahaan

Subsidiary Company
Nama Perusahaan | Company Name PT Sahabat Finansial Keluarga
Alamat | Address Metropolitan Tower - Lantai 3

Jl. RA Kartini Kav 14, TB Simatupang, Jakarta Selatan 12430
Bidang Usaha | Line of Business - Piutang Pembiayaan Konsumen | Consumer Financing Receivables
- Piutang Anjak Piutang | Factoring Receivables
- Piutang Modal Uaha | Working Capital Receivables
- Piutang Kredit Kepemilikan Rumah | Mortgage Receivables
Kepemilikan | Shareholding 99,998%
Jenis Badan Hukum | Legal Entity Perseroan Terbatas (PT) | Limited Liability Company (PT)
Total Aset | Total Asset Rp369.883 juta | Rp369,883 million
Status Operasi | Operation Status Masih beroperasi | Operating
Data Penyertaan Saham Lainnya

Others Investment in Shares
Nama Perusahaan Bidang Usaha Kepemilikan Status Operasi Alamat
No.
Company Name Line of Business Shareholding Operation Status Address
1 PT Sarana Bali Ventura Modal Ventura 3,05% Masih beroperasi Jl. Diponegoro No 150
Venture Capital Operating Komplek IDT/Ruko Genteng Biru
Blok B 23-24 Denpasar, Bali
2 PT Aplikanusa Lintasarta Komunikasi 1,45% Masih beroperasi Jl. M.H. Thamrin Kav. 3
Communication Operating Menara Thamrin Lt. 12
Jakarta 10250
3 PT Sarana Bersama Pengembangan Indonesia Investasi 0,92% Dalam likuidasi Setiabudi 2 Building, Suite 603 G
(Dalam likuidasi | In liquidation) Investment In liquidation Jl. H.R. Rasuna Said Kav. 62
Kuningan
Jakarta 12920
4 PT Kustodian Sentral Efek Indonesia (KSEI) Pasar Modal 1,00% Masih beroperasi Gedung Bursa Efek Indonesia
Capital Market Operating Tower I Lt. 5
Jl. Jend. Sudirman Kav. 52-53
Jakarta 12190


Main Highlights
Management Reports
Kantor Cabang
Company Profile
Risk Management
Operational Review
Branch Offices
A. Konvensional Per tanggal 31 Desember 2019

Conventional As of 31 December 2019
Provinsi Nama Alamat Lengkap
No
Province Name Complete Address
1 Bali Dewi Sartika Denpasar Jl. Dewi Sartika Kav. 88, Kota Denpasar 80114
2 Bali Gatot Subroto Denpasar Jl. Gatot Subroto Barat No. 327 Desa Pemecutan Kaja, Kecamatan Denpasar Barat, Kota Denpasar 80118
3 Bali Kayu Putih, Canggu Badung Jl. Kayu Putih, Banjar Dinas Tegal Gundul, Desa Tibubeneng, Kecamatan Kuta Utara, Kab. Badung 80361
4 Bali Kerobokan Badung Jl. Raya Kerobokan No. 62, Lk. Taman, Kelurahan Kerobokan Kelod, Kecamatan Kuta Utara, Kab. Badung
80361
5 Bali Kuta Badung Jl. Raya Kuta No. 101 Kelurahan Kuta, Kecamatan Kuta, Kab. Badung 80361
6 Bali Legian Badung Jl. Patih Jelantik Blok 2 Legian Kelod, Kuta, Badung, Bali 80361
7 Bali Melati Denpasar Jl. Melati No. 63, Kota Denpasar 80114
8 Bali Menara Ubud Gianyar Galleria Menara Ubud No. 7, Jl. Raya Ubud, Kab. Gianyar 80571
9 Bali Nusa Dua Badung Komplek Pertokoan Tragia Nusa Dua, Jl. By Pass Ngurah Rai, Kuta, Nusa Dua, Bali, Kab. Badung 80114
10 Bali Pura Bagus Taruna Badung Jl. Pura Bagus Teruna No. 522 Legian, Kab. Badung 80361
11 Bali Sanur Denpasar Jl. Danau Tamblingan No.77 X, Kota Denpasar 80227
12 Bali Sesetan Denpasar Sesetan, Jl. Raya Sesetan B.12, Kota Denpasar 80223
13 Bali Sunset Road Badung Jl. Sunset Road No. 225X, Blok 6-7, Kelurahan Kuta, Kecamatan Kuta, Kab. Badung 80361
14 Bali Ubud Gianyar Jl. Raya Andong, Banjar Ambengan, Peliatan, Ubud, Kab. Gianyar 80571
15 Bangka Belitung Sudirman Pangkal Pinang Niaga Center, Jl. Jenderal Sudirman Blok H dan I, Kel. Pasar Padi, Kec. Girimaya, Kota Pangkal Pinang 33131
16 Banten A. Yani Serang Jl Jendral Ahmad Yani No. 95A dan B, Lingkungan Pekojan, RT 001/RW 021, Kelurahan Sumur Pecung,
Kecamatan Serang, Kota Serang, Banten 42118
17 Banten Alam Sutera Tangerang Selatan Alam Sutera Town Center, Jl. Sutera Boulevard 10D No.1-2-3, Tangerang Selatan, Kota Tangerang Selatan
15325
18 Banten Astra BSD Tangerang Gedung Perkantoran Astra Biz Centre BSD, Jl. BSD Raya Utama Kav. Commercial Park Barat I 11 G, Kelurahan
Lengkong Kulon, Kec. Pagedangan, Tangerang 15331
19 Banten Bintaro Sektor 7 Tangerang Selatan Gedung Jaya II Bintaro Jaya Sektor VII, Pondok Aren, Kota Tangerang Selatan 15224
20 Banten Cikande Serang Kompleks Ruko Modern Cikande Industrial Estate Blok C, Jl. Raya Serang Cikande KM 68, Desa Nambo Ilir,
Kecamatan Cikande, Kab. Serang, Banten 42186
21 Banten Ciputat Tangerang Jl. Ir. H. Juanda No.111-B, Kota Tangerang Selatan 15412
22 Banten Citra Raya Tangerang Taman Raya Blok K 01 No.8 Sektor 1.2, Kelurahan Cikupa, Kecamatan Cikupa, Kab. Tangerang 15710
23 Banten Daan Mogot Tangerang Jl. Daan Mogot No. 35, Kota Tangerang 15111
24 Banten Gading Serpong Tangerang Komplek Perumahan Gading Serpong, Jl. Boulevard Gading Serpong Type Serenade Center, Blok B, No.1.2.1
dan 6, Kab. Tangerang 15810
25 Banten Giant Gading Serpong Tangerang Kawasan II Paramount Serpong Kelurahan Curug Sangerang, Kecamatan Pagedangan, Kab. Tangerang 15336
26 Banten Palem Semi Tangerang Ruko Madrid RT.001/004 No.23 dan 25, Jl. Palem Raja Selatan, Perumahan Palem Semi, Kelurahan
Panunggangan Barat, Kecamatan Cibodas, Kota Tangerang 15139
27 Banten Ruko Istana Cilegon Komplek Ruko Istana Cilegon No.2-3, Jl. Raya Merak No. 146, Kota Cilegon. 42414
28 Banten Sunburst Tangerang Selatan Wisma BCA – BSD City Wing A, Lantai Dasar, Sunburst CBD Office Park, Zone 1 dan 2, Jl. Kapten Soebijanto
Djojohadikusumo, BSD City, Kota Tangerang Selatan 15322
29 Banten Tangerang City Tangerang Ruko Business Part Tangerang City, Kelurahan Babakan, Kecamatan Tangerang, Kota Tangerang 15118
30 Banten Villa Melati Mas Tangerang Selatan Ruko Villa Melati Mas Blok SR I No. 42-43 Serpong, Kota Tangerang Selatan 15310
31 DI Yogyakarta Kaliurang Sleman Jl. Kaliurang KM 6,3, Sleman, Kab. Sleman 55283

Kantor Cabang
Branch Offices

No
32 DI Yogyakarta Katamso Yogyakarta Jl. Brigjen Katamso Selatan No. 236, RT/RW 015/004, Kelurahan Keparakan, Kecamatan Mergangsan,
Yogyakarta 55152
33 DI Yogyakarta Mangkubumi Yogyakarta Jl. Pangeran Mangkubumi No. 26-28, Kota Yogyakarta 55232
34 DKI Jakarta ACC Fatmawati Jakarta Jl. Fatmawati No. 9, Kota Jakarta Selatan 12420
35 DKI Jakarta ACC Simatupang Jakarta Gedung ACC TB Simaptupang, Lantai Dasar, Jl. TB Simatupang No.90, Tanjung Barat, Kota Jakarta Selatan
12530
36 DKI Jakarta AHM Sunter Jakarta Astra Honda Motor - Sunter 1, Jl Yos Sudarso Sunter 1, Kota Jakarta Utara 14350
37 DKI Jakarta Asemka Jakarta Jl. Asemka No.30-31, Kota Jakarta Barat 11110
38 DKI Jakarta Astra Agro Lestari Jakarta Jl. Pulo Ayang Rayang Blok OR I, Kawasan Industri Pulo Gadung, Kota Jakarta Timur 13930
39 DKI Jakarta Atrium Jakarta Gedung Atrium Plaza Setiabudi Lantai 1, Jl. HR Rasuna Said Kav. 62, Kota Jakarta Selatan 12920
40 DKI Jakarta Balikpapan Jakarta Jl. Balikpapan Raya No. 19, Kota Jakarta Pusat 10160
41 DKI Jakarta Bandengan Megah Jakarta Jl. Bandengan Utara No. 81, Ruko No.2, Penjaringan, Kota Jakarta Utara 14440
42 DKI Jakarta BEJ Tower II Jakarta Gedung BEJ Tower II, Jakarta Stock Exchange Tower II, Suite G-06, Ground Floor, Jl. Jend. Sudirman Kav. 52-
53, Kota Jakarta Selatan 12190
43 DKI Jakarta Bintaro Sektor 1 Jakarta Perumahan Bintaro Jaya Sektor 1-B Blok E No. 1-2, Kota Jakarta Selatan 12330
44 DKI Jakarta Blue Bird Tower Jakarta Gedung Blue Bird Tower, GF, Jl. Mampang Prapatan Raya No. 15, Jakarta Selatan 12790
45 DKI Jakarta Cikini Jakarta Gedung Asuransi Jiwasraya Lt. 1, Jl. Cikini Raya No. 97, Kelurahan Cikini, Kecamatan Menteng, Kota Jakarta
Pusat 10330
46 DKI Jakarta Citra Garden 1 Jakarta Ruko Citra Garden Blok I-1 Kav. No. 7-8 Cengkareng, Kota Jakarta Barat 11830
47 DKI Jakarta Citra Garden 2 Jakarta Citra Garden II Blok H 2 No. 1 Cengkareng, Kota Jakarta Barat 11830
48 DKI Jakarta Dusit Orion Mangga Dua Jakarta Rumah Susun Non Hunian Dusit Mangga Dua No.1.25 &1.26 Lantai Dasar Blok I, Kios 3 & 5 Jl. Mangga Dua
Raya Blok D, Mangga Dua Selatan, Sawah Besar, Kota Jakarta Pusat 10730
49 DKI Jakarta Enseval Cempaka Putih Jakarta Gedung Enseval, Jl. Letjen Suprapto Kav. 4, Kota Jakarta Pusat 10820
50 DKI Jakarta Glodok Jakarta Pertokoan Glodok Plaza Blok F No. 6-7, Kota Jakarta Barat 11120
51 DKI Jakarta Graha Cempaka Mas Jakarta Jl. Letjend. Suprapto dan Jl. Yos Sudarso No.C/3A Kelurahan Sumur Batu, Kecamatan Kemayoran Jakarta
Pusat 10640
52 DKI Jakarta Grand Puri Niaga Jakarta Rukan Grand Puri Niaga - Kawasan Bisnis Terpadu Puri Kencana, Jl. Puri Kencana Blok K6 No.1 E-F-G,
Kelurahan Kembangan Selatan, Kecamatan Kembangan, Jakarta Barat 11610, No. Telepon : (021), Kota Jakarta
Barat 11610
53 DKI Jakarta Green Mansion Jakarta Rukan Green Mansion Jl. Daan Mogot km. 10, Blok C No. 015 & 016, Kelurahan Kedaung Kaliangke, Kecamatan
Cengkareng, Jakarta Barat, Kota Jakarta Barat 11710
54 DKI Jakarta Gunung Sahari Jakarta Jl. Gunung Sahari Raya Blok B 8-9 No. 60-63, Kota Jakarta Pusat 10610
55 DKI Jakarta Harmoni Jakarta Harmoni Plaza Blok B9-7, Jl. Suryopranoto 2, Kota Jakarta Pusat 10130
56 DKI Jakarta Hayam Wuruk Jakarta Jl. Hayam Wuruk 84-85, Kota Jakarta Barat 11160
57 DKI Jakarta Immanuel Jakarta Jl. Proklamasi No. 76, Kota Jakarta Pusat 10320
58 DKI Jakarta Indosurya Plaza Jakarta Indosurya Plaza Lt. 1, Unit L/B dan Lantai 2, Unit 2/B, Jl. M.H. Thamrin Kav. 8-9, Kota Jakarta Pusat 10230
59 DKI Jakarta Intercon Kebon Jeruk Jakarta Pertokoan Kebon Jeruk Intercon Blok F No. 2-3, Kota Jakarta Barat 11630
60 DKI Jakarta ITC Fatmawati Jakarta Komplek Pertokoan Duta Mas Blok B-1 No.2, Jl. RS. Fatmawati, Kelurahan Cipete Utara, Kecamatan Kebayoran
Baru, Jakarta Selatan 12150
61 DKI Jakarta ITC Mangga Dua Jakarta Rumah Susun JITC II A Jl. Raya Mangga Dua Ancol Pademangan, Kota Jakarta Utara 14430
62 DKI Jakarta ITC Permata Hijau Jakarta Grand ITC Permata Hijau Kantor R & E Blok E/3, Type Meralda, Jl. Arteri Permata Hijau, Kota Jakarta Selatan
12210
63 DKI Jakarta ITC Roxy Mas Jakarta Ruko Pusat Niaga ITC Roxy Mas Blok B 2 No. 6 Jl. KH Hasyim Ashari, Kota Jakarta Pusat 10150
64 DKI Jakarta Jatinegara Jakarta Jl. Jatinegara Timur No. 42, Kota Jakarta Timur 13310
65 DKI Jakarta Jelambar Jakarta Jl. Jelambar Baru Raya No. 5 C, Kota Jakarta Barat 11460
66 DKI Jakarta Jembatan Lima Jakarta Jl. K.H. Mas Mansyur No. 154 B-C, Kota Jakarta Barat 11250


Main Highlights
Management Reports
Company Profile
Risk Management
Operational Review

No
67 DKI Jakarta Johar Jakarta Jl. Johar No. 38, Menteng, Kota Jakarta Pusat 10340
68 DKI Jakarta Kalimalang Pangkalan Jati Jakarta Jl. Kalimalang Blok E Nomor 6C dan 6D, Kelurahan Duren Sawit, Kecamatan Duren Sawit, Kota Jakarta Timur
13440
69 DKI Jakarta Kasablanka Jakarta EightyEight @Kasablanka (Tower A), Lantai 1 #B, Jl. Casablanca Kav. 88, Kota Jakarta Selatan 12870
70 DKI Jakarta Kelapa Gading Boulevard Jakarta Jl. Kelapa Gading Boulevard Blok LB-1 No. 34-35, Kota Jakarta Utara 14240
71 DKI Jakarta Kelapa Gading Hybrida Jakarta Jl. Raya Kelapa Hybrida Blok PF 23 No.1, Kelurahan Pegangsaan Dua, Kecamatan Kelapa Gading, Kota Jakarta
Utara 14250
72 DKI Jakarta Ketapang Jakarta Ketapang Business Centre, Jl. Kyai Haji Zainul Arifin Blok A No.20-21, Kota Jakarta Pusat 10130
73 DKI Jakarta Krekot Jakarta Jl. Krekot Bunder Raya No. 75, Kota Jakarta Pusat 10710
74 DKI Jakarta Mal Ambasador Jakarta Mal Ambasador Lt. Dasar No. 18, Jl. Prof Dr. Satrio, Kota Jakarta Selatan 12940
75 DKI Jakarta Mal Pondok Indah Jakarta Mal Pondok Indah Lt. Dasar No. 4 B, Jl. Metro Pondok Indah, Kota Jakarta Selatan 12310
76 DKI Jakarta Mal Taman Anggrek Jakarta Mal Taman Anggrek Lt. Dasar Unit C 10 Jl. Letjen S. Parman, Kota Jakarta Barat 11470
77 DKI Jakarta Mangga Besar Jakarta Mangga Besar, Jl. Mangga Besar Raya No.3-A, Jakarta, Kota Jakarta Barat 11180
78 DKI Jakarta Mangga Dua Rutex Jakarta Jl. Raya Mangga Dua Blok E-4 No. 3, Kota Jakarta Utara 14430
79 DKI Jakarta Mangga Dua Square Jakarta Kompleks Ruko Mangga Dua Square Blok G No.6, Jl. Gunung Sahari Raya No.1, Kota Jakarta Utara 14420
80 DKI Jakarta Mega Mal Jakarta Ruko MG-55, Jl. Pluit Indah Raya, Kota Jakarta Utara 14450
81 DKI Jakarta Melawai Jakarta Jl. Melawai Raya No. 7A, Jl. Wijaya IX No. 1, Kebayoran Baru, Kota Jakarta Selatan 12160
82 DKI Jakarta Menara Astra Jakarta Gedung Menara Astra lantai 3 Jl. Jendral Sudirman Kav 5-6, Jakarta Pusat 10220
83 DKI Jakarta Menara Batavia Jakarta Gedung Menara Batavia, LT Dasar, Jl. KH Mas Mansyur Kav. 126, Kota Jakarta Pusat 10220
84 DKI Jakarta Menara FIF Jakarta Menara FIF, Ground Floor, Jl. TB Simatupang Kav.15, Lebak Bulus, Kota Jakarta Selatan 12440
85 DKI Jakarta Menara Imperium Jakarta Menara Imperium Lt. Dasar Jl. HR Rasuna Said Kav. 1, Kota Jakarta Selatan 12940
86 DKI Jakarta Menara Kadin Jakarta Gd. Menara Kadin, Lantai Dasar, Jl. HR Rasuna Said Blok X5 Kav. 2-3, Kuningan, Kota Jakarta Selatan 12950
87 DKI Jakarta Menara Prima Jakarta Jl. Lingkar Mega Kuningan Sub Blok 6.2, Kota Jakarta Selatan 12950
88 DKI Jakarta Menara Satu Sentra Kelapa Gading Ground Floor Unit GF 02, Jl. Bulevar Kelapa Gading Blok LA3 No.1, Summarecon Kelapa Gading, Kota Jakarta
Jakarta Utara 14240
89 DKI Jakarta Menteng Gondangdia Jakarta Jl. R.P. Soeroso No. 40 D - 42 A (d/h Gondangdia Lama), Kota Jakarta Pusat 10360
90 DKI Jakarta Metro Pondok Indah Jakarta Pondok Indah Plaza Blok II, Jl. Metro Pondok Indah Blok II BA No.7, Kota Jakarta Selatan 12310
91 DKI Jakarta Metro Tanah Abang Jakarta Gedung Pusat Grosir Metro Tanah Abang Lantai 7 No. 2 dan 2B, Jl. K.H. Wahid Hasyim, Kelurahan Kebun
Kacang, Kecamatan Tanah Abang, Kota Jakarta Pusat 10250
92 DKI Jakarta Mid Plaza Jakarta Mid Plaza II Lt Dasar, Jl. Jend. Sudirman Kav. 10-11, Kota Jakarta Pusat 10220
93 DKI Jakarta Muara Karang Jakarta Jl. Muara Karang Blok Z 3 Selatan No. 50 Kav. 39, Pejagalan Penjaringan, Kota Jakarta Utara 14450
94 DKI Jakarta Pangeran Jayakarta Jakarta Ruko Prima Jayakarta Blok A- 3 Jl. Pangeran Jayakarta 133 Blk, Kota Jakarta Pusat 10730
95 DKI Jakarta Panglima Polim Jakarta Kompleks Ruko Grand Panglima Polim Unit 27 dan 28, Jl. Panglima Polim Raya, Kota Jakarta Selatan 12160
96 DKI Jakarta Pantai Indah Kapuk Jakarta Rukan Exclusive Blok A No. 19 dan 20, Bukit Golf Mediterania, Pantai Indah Kapuk, Kelurahan Kamal Muara,
Kecamatan Penjaringan, Kota Jakarta Utara 14470
97 DKI Jakarta Plaza Index Jakarta Jl. MH Thamrin Kav. 57, Kota Jakarta Pusat 10350
98 DKI Jakarta Plaza Kelapa Gading Jakarta Jl. Boulevar Barat Blok B-47 dan B-48, Kelapa Gading, Kota Jakarta Utara 14470
99 DKI Jakarta Pluit Jakarta Jl. Pluit Kencana Raya No. 41-43, Kota Jakarta Utara 14450
100 DKI Jakarta Prudential Tower Jakarta Prudential Tower Lobby Extension Mezzanine Jl. Jendral Sudirman Kav. 79, Kota Jakarta Selatan 12910
101 DKI Jakarta Puri Indah Jakarta Jl. Puri Indah Raya Blok A No. 17, Kota Jakarta Barat 11610
102 DKI Jakarta RS Premier Jatinegara Jakarta RS Mitra Internasional, Jl. Raya Jatinegara No.87, Kota Jakarta Timur 13310
103 DKI Jakarta RS Medistra Jakarta RS Medistra Lt. 1, Jl. Jend. Gatot Subroto Kav. 59, Kota Jakarta Selatan 12950

Kantor Cabang
Branch Offices

No
104 DKI Jakarta Rukan Artha Gading Jakarta Rukan Artha Gading Blok C No. 7, Kawasan Sentra Bisnis, Jl. Boulevard Artha Gading,
Kota Jakarta Utara 14240
105 DKI Jakarta Rukan Cempaka Putih Permai Rukan Cempaka Putih Permai Blok A No.4-5, Jl. Letjen Soeprapto, RT 07/RW 08, Kelurahan Cempaka Putih
Jakarta Timur, Kecamatan Cempaka Putih, Kota Jakarta Pusat 10640
106 DKI Jakarta Ruko Sunter Mall Jakarta Ruko Sunter Mall, Jl. Danau Sunter Blok G-7C No.8-9, Kota Jakarta Utara 14350
107 DKI Jakarta Sampoerna Strategic Square Sampoerna Strategic Square Tower B, Lantai 14, Jl.Jend Sudirman Kv.45-46, Kota Jakarta Selatan 12930
Jakarta
108 DKI Jakarta Sawah Besar Jakarta Ruko Atap Merah, Jl. Pecenongan No. 72 Blok B2-B3, Kota Jakarta Pusat 10120
109 DKI Jakarta Sudirman Jakarta Gedung World Trade Center II, Jl. Jendral Sudirman Kav. 29 - 31, Kota Jakarta Selatan 12920
110 DKI Jakarta Sukarjo Wirjopranoto Jakarta Jl. Sukarjo Wirjopranoto No. 48, Kota Jakarta Pusat 10710
111 DKI Jakarta Summagung Kelapa Gading Jakarta Jl. Kelapa Gading Boulevard Blok H 4 No. 7, Kota Jakarta Utara 14240
112 DKI Jakarta Sunter AMDI Jakarta Jl. Gaya Motor Raya No.8, Sunter II, Kota Jakarta Utara 14330
113 DKI Jakarta Sunter Griya Jakarta Jl. Griya Utama Raya Ruko Griya Inti Santosa Blok A 1 No. 37, Kota Jakarta Utara 14350
114 DKI Jakarta Sunter Indah Jakarta Jl. Taman Sunter Indah Blok K I-1 Kav. 36 Sunter Jaya, Kota Jakarta Utara 14350
115 DKI Jakarta Sunter Nirwana Jakarta Jl. Paradise 23 Blok J-1 Kav No. 5, Kota Jakarta Utara 14340
116 DKI Jakarta Sunter Royal Jakarta Ruko Royal Sunter F1-3, Jl. Sunter Podomoro, Kota Jakarta Utara 14350
117 DKI Jakarta Taman Duta Mas Jakarta Ruko Taman Duta Mas Blok A-2 No. 1 RT 001/012 Jl. Tubagus Angke, Kelurahan Jelambar Baru, Kecamatan
Grogol Petamburan, Kota Jakarta Barat 11460
118 DKI Jakarta Taman Palem Jakarta Perum Taman Palem, Jl. Taman Palem Boulevard Blok C-5, No.57, Kota Jakarta Barat 11730
119 DKI Jakarta Taman Ratu Jakarta Jl. Ratu Kemuning Blok A 2 Kav. 9, Duri Kepa, Kebon Jeruk, Kota Jakarta Barat 11510
120 DKI Jakarta Tanjung Duren Jakarta Jl. Tanjung Duren Raya No.72 Blok B.IV Persil No.45 Phase IV Kelurahan Tanjung Duren, Kecamatan Grogol
Petamburan, Kota Jakarta Barat 11470
121 DKI Jakarta Tebet Supomo Jakarta Jl. Prof Supomo SH, Tebet Barat Dalam VII No. 30, Kota Jakarta Selatan 12810
122 DKI Jakarta Teluk Gong Jakarta Ruko Teluk Mas, Jl. Teluk Gong No. 18 G, Kota Jakarta Utara 14450
123 DKI Jakarta Tempo Scan Tower Jakarta Jl. HR. Rasuna Said Kav. 3-4, Kota Jakarta Selatan 12950
124 DKI Jakarta Tomang Jakarta Jl. Tomang Raya No.5 B-C, Kav.Blok E No.932, Kelurahan Tomang, Kecamatan Grogol Petamburan, Kota
Jakarta Barat 11440
125 DKI Jakarta United Tractors Cakung Jakarta Jl. Raya Bekasi Km 22, Cakung, Kota Jakarta Timur 13910
126 DKI Jakarta Wisma 46 Jakarta Wisma 46, Unit G.12 Ground Floor Jl. Jendral Sudirman Kav. 1, Jakarta Pusat 10220
127 DKI Jakarta Wisma AKR Jakarta Wisma AKR, Jl. Panjang No. 5, Kota Jakarta Barat 11530
128 DKI Jakarta Wisma Arion Jakarta Wisma Arion, Ground Floor, Jl. Pemuda Kav. 17 Rawamangun, Kota Jakarta Timur 13220
129 DKI Jakarta Wisma Surya Kemang Jakarta Jl. Kemang Raya Nomor 33, Rukun Tetangga 013, Rukun Warga 001, Kelurahan Bangka, Kecamatan Mampang
Prapatan, Kota Jakarta Selatan 12730
130 DKI Jakarta Wolter Monginsidi Jakarta Jl. Wolter Monginsidi No. 88 P, Kebayoran Baru, Kota Jakarta Selatan 12170
131 Jambi Jelutung Jambi Jelutung, Jalan Hayam Wuruk, Talang Jauh, Jelutung, Jambi 36133, Kota Jambi 36133
132 Jawa Barat AHM Cikarang Jl. Raya Kalimantan Blok AA-1, Kawasan Industri MM2100, Cikarang Barat, Kab, Bekasi 17520
133 Jawa Barat AHM Karawang Gedung Astra Honda Motor Plant Karawang, Kawasan Indusri Indotaisei Sektor 2 Blok A-1, A-2, B dan C,
Kelurahan Kalihurip, Kecamatan Cikampek, Kab. Karawang 41373
134 Jawa Barat Ahmad Yani Bandung Jl. Jend Ahmad Yani No. 251, Kota Bandung 40114
135 Jawa Barat Amir Mahmud Cimahi Jl. Jenderal Amir Mahmud No.423 RT. 05 RW. 11 Kelurahan Cigugur Tengah, Kecamatan Cimahi Tengah
40522
136 Jawa Barat Astana Anyar Bandung Jl. Astana Anyar 22, Kota Bandung 40241
137 Jawa Barat Batununggal Bandung Kompleks Ruko Batununggal, Jl. Batununggal Indah No.151, Kota Bandung 40266
138 Jawa Barat Bellanova Bogor Komplek Pertokoan Bellanova Country Mall unit RK 2 no. 1, Jl. M. Husni Thamrin no.8, Kel. Cipambuan, Kec.
Babakan Madang, Sentul City, Kab. Bogor 16810


Main Highlights
Management Reports
Company Profile
Risk Management
Operational Review

No
139 Jawa Barat BKR Bandung Jl. BKR No. 178A, Kelurahan Ciateul, Kecamatan Regol, Kota Bandung 40243
140 Jawa Barat Buah Batu Bandung Jl. Buah Batu No. 216, Kota Bandung 40265
141 Jawa Barat Cibubur Times Square Bekasi Cibubur Times Square Blok B-1 No.3A dan 5, Kelurahan Jatikarya, Kecamatan Jati Sampurna,
Kota Bekasi 17433
142 Jawa Barat Cihampelas Bandung Jl. Cihampelas No. 188, Kota Bandung 40131
143 Jawa Barat Ciledug Garut Jl. Ciledug No.97, Kelurahan Regol, Kecamatan Garut Kota, Kab. Garut 44114
144 Jawa Barat Cileungsi Bogor Perumahan Griya Kenari Mas, Blok B.1 No.18-19, Kelurahan Cileungsi Kidul, Kecamatan Cileungsi,
Kab. Bogor 16820
145 Jawa Barat Galuh Mas Raya Karawang Ruko Grand Plaza No.32, Jl. Galuh Mas Raya, Desa Sukaharja, Kec. Teluk Jambe Timur, Kab. Karawang 41361
146 Jawa Barat Harapan Indah Bekasi Ruko Sentra Niaga Bulevar Hijau Blok C2 Nomor 5C dan 5D, Kota Harapan Indah, Kota Bekasi 17131
147 Jawa Barat HOS Cokroaminoto, Cianjur Jl. HOS Cokroaminoto No.41, Rt 05/04 Desa Muka, Kecamatan Cianjur, Kab. Cianjur 43215
148 Jawa Barat Jababeka Cikarang Cikarang Industrial Estate, Jl. Jababeka Raya Blok B1-B2, Kab. Bekasi 17530
149 Jawa Barat Kapten Muslihat Bogor Jl. Kapten Muslihat 17 A, Kota Bogor 16121
150 Jawa Barat Kawasan Industri Sentul Bogor Kawasan Industri Sentul, PT Cahaya Buana Intitama, Jl. Cahaya Raya Blok M, Kab. Bogor 16810
151 Jawa Barat Kemang Pratama Bekasi Jl. Raya Kemang Pratama Blok AN No. 12 A Sepanjang Jaya, Kota Bekasi 17116
152 Jawa Barat KIIC Karawang Sentra KIIC Karawang, Jl. Permata Raya Lot.C-1B, Karawang Barat, Kab. Karawang 41361
153 Jawa Barat Kopo Bandung Jl. Kopo No. 24, Kota Bandung 40242
154 Jawa Barat Kopo Permai Bandung Perumahan Kopo Permai Blok 50 AD No. 1, Kab. Bandung 40227
155 Jawa Barat Lippo Cikarang Ruko Plaza Menteng Blok B No. 31, Jl. M.H. Thamrin, Lippo Cikarang, Kab. Bekasi 17550
156 Jawa Barat Mal Cinere Depok Jl. Raya Cinere No. 84 Unit No. 32 Cinere Mal, Sawangan, Kota Depok 16514
157 Jawa Barat Margonda Depok Jl. Margonda Raya No. 208, Taman Tanah Baru Blok A1-2, RT 01, RW 02, Tanah Baru Beji, Kelurahan Kemiri
Muka, Kecamatan Beji, Kota Depok 16423
158 Jawa Barat Martadinata Sukabumi Jl. Martadinata No.19, Kelurahan Gunung Parang, Kecamatan Kota Sukabumi Timur, Kota Sukabumi 43111
159 Jawa Barat Mayor Oking, Cibinong Komplek Ruko Mayor Oking No.A3, Jl. Raya Mayor Oking Kelurahan Cirimekar, Kecamatan Cibinong,
Kab. Bogor 16917
160 Jawa Barat Merdeka Bandung Jl. Merdeka No. 66, Kota Bandung 40115
161 Jawa Barat Metro Bandung Jl. Venus Barat No.15-16, Kav.5-6, Kelurahan Sekejati, Kecamatan Margacinta, Wilayah Gedebage,
Kota Bandung 40286
162 Jawa Barat MM 2100 Cikarang Ruko Mall Bekasi Fajar Blok B No.10, Kawasan Industri MM 2100, Cikarang Barat, Kab. Bekasi 17520
163 Jawa Barat Pahlawan Bogor Jl. Pahlawan No. 150 B, Kota Bogor 16132
164 Jawa Barat Pajajaran Bandung Jl. Pajajaran No.85, Kota Bandung 40172
165 Jawa Barat Pajajaran Bogor Jl. Pajajaran No. 11 A, Kota Bogor 16151
166 Jawa Barat Pasirkaliki Bandung Jl. Pasirkaliki (HOS. Tjokroaminoto) No.128 (150 baru) RT.02 RW.02, Kelurahan Pasirkaliki,
Kecamatan Cicendo, Kota Bandung 40171
167 Jawa Barat RE Martadinata Cikarang Jl. RE. Martadinata Ruko Sentosa Blok A No.4 Cikarang Utara, Kab. Bekasi 17530
168 Jawa Barat Rukan Central Bogor Rukan Central Jl. Dewi Sartika No. 46-48 Blok B No. 1, Kota Bogor 16121
169 Jawa Barat Sentra Niaga Kalimalang Bekasi Setra Niaga Kalimalang, Komplek Ruko Sentra Niaga Kalimalang Blok A-4 No.2, Jl. A. Yani. Kota Bekasi 17144
170 Jawa Barat Sukajadi Bandung Jl. Sukajadi No.250 B&C, Kelurahan Gegerkalong, Kecamatan Sukasari, Kota Bandung 40153
171 Jawa Barat Sumber Sari Bandung Komplek Sumbersari Indah T-7, Kota Bandung 40222
172 Jawa Barat Surya Sumantri Bandung Jl. Prof. Drg. Surya Sumantri No. 51, Kota Bandung 40164
173 Jawa Barat Suryacipta Karawang The Promenade Retails, Suryacipta Square, Jl. Surya Utama Kav.C-1 Blok A lantai 1 No.7,
Kawasan Industri Suryacipta, Kab. Karawang 41363
174 Jawa Barat Tajur Bogor Jl. Raya Tajur No. 39 B, Kota Bogor 16720
175 Jawa Barat Taman Kopo Indah Bandung Ruko Taman Kopo Indah II Blok 1B No.23, Desa Rahayu, Kecamatan Margaasih, Kab. Bandung 40218

Kantor Cabang
Branch Offices

No
176 Jawa Barat Tuparev Karawang Jl. Tuparev No. 140, Kab. Karawang 41312
177 Jawa Barat Veteran Purwakarta Jl. Veteran RT.004 RW.001, Kelurahan Ciseureh, Kecamatan Purwakarta, Kab. Purwakarta 41118
178 Jawa Barat Yos Sudarso Cirebon Jl. Yos Sudarso No. 2-A, Kota Cirebon 45111
179 Jawa Barat Yudanegara Tasikmalaya Jl. Yudanegara No. 59, Kota Tasikmalaya 46121
180 Jawa Tengah A. Yani Kudus Jl. A Yani No. 79, Panjunan, Kab. Kudus 59317
181 Jawa Tengah Achmad Yani Purbalingga Jl Jend Achmad Yani No. 63, RT 02, RW 03, Kel Kandanggampang, Kec Purbalingga, Kab. Purbalingga 53312
182 Jawa Tengah Ahmad Yani Tegal Jl. Jendral Ahmad Yani No. 34, Kelurahan Mintaragen, Kecamatan Tegal Timur, Kota Tegal 52121
183 Jawa Tengah Bangkong Plaza Semarang Komp. Bangkong Plaza Blok B 2 Jl. MT Haryono No. 864-866, Kota Semarang 50242
184 Jawa Tengah Gatot Subroto Semarang Jl. Gatot Subroto Blok F.1 No. 03, Kelurahan Purwoyoso, Kecamatan Ngaliyan, Kota Semarang 50184
185 Jawa Tengah Imam Bonjol Pekalongan Jl. Imam Bonjol (Ruko Ex Kodim), Kelurahan Kregon, Kecamatan Pekalongan Barat, Kota Pekalongan 51131
186 Jawa Tengah Jurnatan Semarang Komp. Pertokoan Jurnatan Blok D No. 15-16 Jl. KH. Agoes Salim, Kota Semarang 50137
187 Jawa Tengah Klewer Surakarta Jl. Dr. Rajiman No. 22-24 Kelurahan Kauman, Kecamatan Pasar Kliwon, Kota Surakarta 57115
188 Jawa Tengah Majapahit Semarang Komplek Ruko Gayamsari No. 2 Jl. Brigjen Sudiarto, Kota Semarang 50161
189 Jawa Tengah Palur Karanganyar Jl. Palur No. 37, RT 05, RW 02, Desa Ngringo, Kecamata Jaten, Kab. Karanganyar 57772
190 Jawa Tengah Pandanaran Semarang Jl. Pandanaran No. 14, Kota Semarang 50241
191 Jawa Tengah Pattimura Salatiga Jl. Pattimura No. 3B, Kecamatan Sidorejo, Kelurahan Salatiga, Kota Salatiga 50711
192 Jawa Tengah Pemuda Klaten Jl. Pemuda No. 73, RT 01/RW 04, Desa Bareng, Kecamatan Klaten Tengah, Kab. Klaten 57414
193 Jawa Tengah S. Parman Semarang Jl. S. Parman No. 52, Kelurahan Bendungan, Kecamatan Gajahmungkur, Kota Semarang 50232
194 Jawa Tengah Satria Plaza Purwokerto Komplek Ruko Satria Plaza Blok A-B No. 1-2 Jl. Jend. Sudirman, Kab Banyumas 53114
195 Jawa Tengah Slamet Riyadi Surakarta Jl. Brigjen Slamet Riyadi No. 347, Kota Surakarta 57142
196 Jawa Tengah Solo Baru Sukoharjo Jl. Raya Solo Permai, Kompleks Ruko Plaza Eceran, Solo Baru CA 23-25, Lengenharjo, Grogol, Sukoharjo,
Kab. Sukoharjo 57552
197 Jawa Tengah Tentara Pelajar Magelang Jl. Tentara Pelajar No. 5, Kemiri Rejo, Kota Magelang 56116
198 Jawa Tengah Urip Sumoharjo Surakarta Jl. Urip Sumoharjo No. 105, Kota Surakarta 57129
199 Jawa Timur A. Yani Kepanjen Jl. A. Yani No. 80A, RT 06/RW 02, Kelurahan Kepanjen, Kecamatan Kepanjen, Kab. Malang 65163
200 Jawa Timur Ade Irma Suryani Malang Jl. Ade Irma Suryani A-3/9-11, Kota Malang 65119
201 Jawa Timur Ahmad Yani Sidoarjo Jl. Ahmad Yani No. 43 C, Kab. Sidoarjo 61219
202 Jawa Timur Bromo Malang Jl. Bromo No. 20, Kota Malang 65112
203 Jawa Timur Bukit Darmo Golf Surabaya Jl. Office Park II Blok B32-33 (Bukit Darmo Golf Blok B2-32 dan Blok B2-33), Bukit Darmo Golf, Kota Surabaya
60226
204 Jawa Timur Darmo Park Surabaya Jl. Mayjend. Sungkono, Komp Pertokoan Darmo Park I Blok 2/3, Kota Surabaya 60225
205 Jawa Timur Diponegoro Kediri Jl. Diponegoro No. 18, Kota Kediri 64121
206 Jawa Timur Galaxy Mall Surabaya Jl. Kertajaya Indah Timur No. 37, Kota Surabaya 60115
207 Jawa Timur Gateway Sidoarjo Pertokoan & Perkantoran Gate Way, Jl. Raya Waru Blok B No.11, Kab. Sidoarjo 61256
208 Jawa Timur HR Muhammad Surabaya Pertokoan Golden Palace A.25, Jl. HR Mohammad No.373-383, Kota Surabaya 60189
209 Jawa Timur Jemursari Surabaya Jl. Raya Jemursari 76 Blok B 1-6, Kota Surabaya 60297
210 Jawa Timur Kalirungkut Surabaya Jl. Raya Kalirungkut Blok A3 No. 27, RT 003/RW 007, Kel. Kalirungkut, Kec. Rungkut, Kota Surabaya 60293
211 Jawa Timur Kartini Gresik Jl. RA Kartini No. 236, Kab. Gresik 61122
212 Jawa Timur Kartini Surabaya Jl. RA Kartini No. 36, Kota Surabaya 60246
213 Jawa Timur Kedungdoro Permai Surabaya Jl. Kedungdoro No. 76 A 2, Kota Surabaya 60251
214 Jawa Timur KH. Abdurrahman Wahid Jombang Jl. Kyai Haji Abdurrahman Wahid No.36 (d/h Jln. Merdeka no. 36) Desa Candimulyo,
Kecamatan Jombang, Kab. Jombang, Kab. Jombang 61413


Main Highlights
Management Reports
Company Profile
Risk Management
Operational Review

No
215 Jawa Timur Majapahit Mojokerto Jl. Majapahit No. 59, RT 02/RW 02, Desa Sentanan, Kecamatan Magersari, Kota Mojokerto 61318
216 Jawa Timur Manyar Surabaya Jl. Manyar Kertoarjo V No. 52, Kota Surabaya 60285
217 Jawa Timur Margomulyo Surabaya Jl. Raya Margomulyo 9 Blok AA No. 3, Kelurahan Balongsari, Kecamatan Tandes, Kota Surabaya 60185
218 Jawa Timur Margorejo Surabaya Komplek Plasa Marina, Lantai I Blok A 5-6, Jl. Raya Margorejo Indah No.97-99, Kota Surabaya 60238
219 Jawa Timur Merdeka Blitar Jl. Merdeka No. 165, Kepanjen Kidul, Kota Blitar 66117
220 Jawa Timur MERR Surabaya Ruko Icon 21, Jl. Dr. Ir. Soekarno (MERR II C) Kavling S-01 & S-02, Kelurahan Klampisngasem, Kecamatan
Sukolilo, Kota Surabaya 60117
221 Jawa Timur Ngagel Surabaya Ruko RMI D9 dan D10, Jl. Ngagel Jaya Selatan, Kelurahan Baratajaya, Kecamatan Gubeng, Kota Surabaya,
Kota Surabaya 60284
222 Jawa Timur Pahlawan Madiun Jl. Pahlawan No.51, RT 06/02, Kartoharjo, Kota Madiun 63116
223 Jawa Timur Pasar Atum Mall Surabaya Pasar Atum Mall, Lt 2 Blok BA No.23, Jl. Stasiun Kota 7 A, Surabaya, Kota Surabaya 60161
224 Jawa Timur Perak Surabaya Jl. Perak Barat Nomor 145, Kelurahan Perak Barat, Kecamatan Krembangan, Kota Surabaya 60177
225 Jawa Timur Pesona Intan Banyuwangi Ruko Pesona Intan 2, Panglima Besar Sudirman No.4, Penganjuran, Banyuwangi, Kab. Banyuwangi 23121
226 Jawa Timur Slompretan Surabaya Jl. Slompretan No. 38-40, Kota Surabaya 60161
227 Jawa Timur Soekarno Hatta Malang Jl. Soekarno Hatta A2, Kelurahan Jatimulyo, Kecamatan Lowokwaru, Kota Malang 65142
228 Jawa Timur Sudirman Pasuruan Jl. Panglima Sudirman No. 34 E, Kota Pasuruan 67115
229 Jawa Timur Sudirman Probolinggo Jl. Panglima Besar Jendral Sudirman No. 24, RT 01/RW 05, Desa Tisnonegaran, Kecamatan Mayangan, Kota
Probolinggo 67214
230 Jawa Timur Sudirman Surabaya Jl. Panglima Sudirman No. 54-58, Kota Surabaya 60271
231 Jawa Timur Sukomanunggal Surabaya Jl. Raya Sukomanunggal Jaya Satelite Town Square Ruko Blok A-09 dan Blok A-10.
Kelurahan Sukomanunggal, Kecamatan Sukomanunggal, Kota Surabaya 60181
232 Jawa Timur Sutorejo Surabaya Jl. Raya Mulyosari Blok PFF No. 76, Kota Surabaya 60113
233 Jawa Timur Trunojoyo Jember Jl. Trunojoyo No. 35, Kab. Jember 68131
234 Jawa Timur Tunjungan Surabaya Jl. Tunjungan No. 52, Kota Surabaya 60273
235 Jawa Timur Untung Suropati Bojonegoro Jl. Untung Suropati No. 25 Bojonegoro, Kelurahan Sumbang, Kecamatan Bojonegoro, Kab. Bojonegoro 62115
236 Jawa Timur WR Supratman Tulungagung Jl. WR Supratman No. 107, Kab. Tulung Agung 66212
237 Kalimantan Barat Ahmad Yani Pontianak Jl. Jendral Ahmad Yani, Komplek Villa Palma No.1-2, Kelurahan Parit Tokaya, Kecamatan Pontianak Selatan,
Kota Pontianak 78121
238 Kalimantan Barat Gajah Mada Pontianak Jl. Gajah Mada No. 168, Kota Pontianak 78122
239 Kalimantan Barat Juanda Pontianak Jl. Ir. H. Juanda No. 49-50, Kelurahan Darat Sekip, Kecamatan Pontianak Barat, Kota Pontianak 78117
240 Kalimantan Barat Sultan Abdurrachman Pontianak Jl. Sultan Abdurrachman No. 3-4, Kelurahan Akcaya, Kecamatan Pontianak Selatan, Kota Pontianak 78117
241 Kalimantan Barat Sultan Muhammad Pontianak Jl. Sultan Muhammad No. 123 B RT 01/01, Kelurahan Darat Sekip, Kecamatan Pontianak Kota,
Kota Pontianak 78117
242 Kalimantan Selatan A. Yani Banjarmasin Jl. A. Yani Km. 2 No. 1 RT.16, Banjarmasin 70234
243 Kalimantan Selatan Akhmad Yani Banjarbaru Jl. Jenderal Akhmad Yani Km.35 No. 33, Banjarbaru, Kota Banjarbaru 76131
244 Kalimantan Timur Diponegoro Samarinda Jl. Diponegoro No. 88, Kota Samarinda 75112
245 Kalimantan Timur MT Haryono Balikpapan Jl. MT Haryono No.34, RT 75, Kelurahan Damai, Kecamatan Balikpapan Selatan, Kota Balikpapan 76113
246 Kalimantan Timur Pahlawan Samarinda Jl. Pahlawan Blok F No.2, Kel. Dadimulyo, Kec. Samarinda, Kota Samarinda 75123
247 Kalimantan Timur Pandan Sari Balikpapan Jl. Pandan Sari Komp. Pertokoan Blok A No. 5, Kota Balikpapan 76131
248 Kalimantan Timur Sudirman Balikpapan Jl. Jendral Sudirman, Rukun Tetangga (RT) 012 Kelurahan Damai, Kota Balikpapan 76113
249 Kalimantan Timur Yos Sudarso Sangatta Jl. Yos Sudarso III (No.3) Rukun Tetangga 09, Teluk Lingga, Kelurahan Sangatta, Kecamatan Sangatta,
Kab. Kutai Timur 75611
250 Kepulauan Riau Bengkong Batam Kompleks Bengkong Permai Blok A No. 9, Kota Batam 29457
251 Kepulauan Riau Lubuk Baja Batam Jl. Imam Bonjol Komp. Bumi Ayu Lestari Blok A No. 7/8 Lubuk Baja, Kota Batam 29432

Kantor Cabang
Branch Offices

No
252 Kepulauan Riau Pos Tanjung Pinang Jl. Pos No.17 dan 17 A, Kota Tanjung Pinang 29111
253 Kepulauan Riau Ruko Fanindo Batam Komplek Ruko Perumnas Fanindo Blok F No.09-10, Kelurahan Tanjung Uncang, Kecamatan Batu Aji,
Kota Batam 29423
254 Kepulauan Riau Windsor Batam Komp. Windsor Central Blok B-7, Kota Batam 29432
255 Lampung Kartini Bandar Lampung Jl. RA Kartini No. 115 B-C Tanjung Karang, Kota Bandar Lampung 35115
256 Lampung Malahayati Lampung Jl. Laksamana Malahayati No. 23, Kota Bandar Lampung 35221
257 Lampung Villa Citra Bandar Lampung Jl. Citra Raya Blok RB-8 Komp. Perumahan Villa Citra Tanjung Karang, Kota Bandar Lampung 35133
258 Nusa Tenggara Barat Pejanggik Mataram Jl. Pejanggik No. 3-4 Kelurahan Cakranegara Barat, Kecamatan Cakranegara, Kota Mataram 83237
259 Riau Riau Pekanbaru Jl. Riau No.22 B/188 B, Kelurahan Payung Sekaki, Kecamatan Tampan, Kota Pekanbaru 28292
260 Riau Sudirman Pekanbaru Jl. Jend. Sudirman No. 136-138, Kota Pekanbaru 28151
261 Riau Tuanku Tambusai Pekanbaru Jl. Tuanku Tambusai No.6D - 6E, Kota Pekanbaru 28291
262 Sulawesi Selatan A. Yani Makassar Jl. Jend. A. Yani No. 41, Kota Makassar 90174
263 Sulawesi Selatan Boulevard Makassar Jl. Boulevard Ruko Ruby No. 21-22, Makasar 90222 (Jl. Panakkukang Mas), Kota Makassar 90222
264 Sulawesi Selatan Pasar Grosir Daya Modern Makassar Komplek Pasar Grosir Daya Modern, Jl. Kapasa Raya, RT/RW 03/05, Blok RB No.1, Kelurahan Daya,
Kecamatan Biringkanaya, Kota Makassar 90241
265 Sulawesi Selatan Sudirman Makassar Jl. Jend. Sudirman No. 12, Kota Makassar 90113
266 Sulawesi Selatan Veteran Makassar Jl. Veteran Utara No. 193 & 195, Kelurahan Mardekaya Utara, Kecamatan Makassar, Kota Makassar 90141
267 Sulawesi Tengah Sudirman Palu Jl. Jendral Sudirman No. 19, Kelurahan Besusu Tengah, Kecamatan Palu Timur, Kota Palu 94111
268 Sulawesi Tenggara Abdullah Silondae Kendari Jl. Drs. H. Abdullah Silondae No. 135, Kelurahan Korumba, Kecamatan Mandonga. Kota Kendari 93111
269 Sulawesi Utara Piere Tendean Manado Jl. Piere Tendean Boulevard Ruko Mega Mas Blok 1 A1 No. 18-19, Kel. Wenang Selatan Lingkungan IV, Kota
Menado 95111
270 Sumatera Barat Pondok Padang Jl. Pondok no. 133 Kelurahan Kampung Pondok, Kecamatan Padang Barat, Kota Padang 25119
271 Sumatera Barat Sudirman Padang Jl. Jendral Sudirman No.21, Kota Padang 25112
272 Sumatera Selatan AKBP Cek Agus Palembang Jl. AKBP Cek Agus Kenten No. 10, Kota Palembang 30114
273 Sumatera Selatan Kebumen Palembang Jl. Kebumen Darat No. 901-902, Kota Palembang 30122
274 Sumatera Selatan Kolonel Atmo Palembang Jl. Kolonel Atmo No. 479. Kota Palembang 30125
275 Sumatera Selatan Veteran Palembang Jl. Veteran No.27 E-F, RT.019/05, Kelurahan 20 Ilir,I, Kecamatan Ilir Timur I, Kota Palembang 30126
276 Sumatera Utara A.R. Hakim Medan Jl. A.R. Hakim No. 27 A, Kota Medan 20236
277 Sumatera Utara Asia Medan Jl. Asia No. 99 T-U, Kota Medan 20214
278 Sumatera Utara Bangsi Sembiring Kabanjahe Jl. Kapten Bangsi Sembiring No. 92, Kelurahan Lau Cimba, Kecamatan Kabanjahe, Kab. Karo 22114
279 Sumatera Utara Gatot Subroto Medan Jl. Gatot Subroto 119, Kota Medan 20112
280 Sumatera Utara Iskandar Muda Medan Jl. Iskandar Muda No. 304-310, Kota Medan 20112
281 Sumatera Utara Kampung Baru Medan Jl. Brigjen Katamso No. 713, Kota Medan 20158
282 Sumatera Utara Krakatau Medan Jl. Gunung Krakatau No.29-29 A, Kota Medan 20238
283 Sumatera Utara Medan Baru Medan Jl. Iskandar Muda No. 256, Kota Medan 20119
284 Sumatera Utara Medan Mall Medan Mal Medan Lt. 1, Jl. MT Haryono No. 17-18, Kota Medan 20212
285 Sumatera Utara Palang Merah Medan Jl. Palang Merah 5 C-1 (d/h 5 E-F), Kota Medan 20111
286 Sumatera Utara Pulo Brayan Medan Jl. Putri Hijau No. 223 B Pulo Brayan, Kota Medan 20111
287 Sumatera Utara Setia Budi Indah Medan Komp. Perumahan Taman Setia Budi Indah Jl. Cycas II Blok UU/62, Kota Medan 20132
288 Sumatera Utara Sudirman Binjai Jl. Jend. Sudirman No. 49, Kota Binjai 20714
289 Sumatera Utara Surabaya Medan Jl. Surabaya No. 53, Kota Medan 20212
290 Sumatera Utara Tengku Raja Muda Lubuk Pakam Jl. Tengku Raja Muda No. 88-A Lubuk Pakam Deli Serdang, Kab. Deli Serdang 20511
291 Sumatera Utara Thamrin Medan Jl. Thamrin No. 1-D, Kota Medan 20234
292 Sumatera Utara WR Supratman Padang Sidempuan Jl. WR Supratman No. 23, Kota Padang Sidempuan 22718
293 Sumatera Utara Zainul Arifin Medan Jl. KH Zainul Arifin No. 49-51, Kota Medan 20152


Main Highlights
Management Reports
Company Profile
Risk Management
Operational Review
B. Unit Usaha Syariah Per tanggal 31 Desember 2019

Shariah Business Unit As of 31 December 2019
No
1 Aceh Pante Pirak Banda Aceh Jl. Pante Pirak No.5-6, Kota Banda Aceh 23121
2 DI Yogyakarta Adisucipto Yogyakarta Jl. Laksda Adisucipto No.21 RT 008 RW 03 Kel. Demangan Kec. Gondokusuman, Kota Yogyakarta 55221
3 DKI Jakarta Arteri Pondok Indah Jakarta Jl. Arteri Pondok Indah No. 41B Rt 001/08 Kby Lama, Jakarta Selatan, Kota Jakarta Selatan 12240
4 DKI Jakarta Graha Bulevar Jakarta Jl. Bulevar Kelapa Gading Blok KGC/A.07, Kelurahan Kelapa Gading Timur, Kecamatan Kelapa Gading, Kota
Administrasi, Kota Jakarta Utara 14240
5 DKI Jakarta KCPS Kedoya-Agave Raya Jakarta Jl. Kedoya Agave Raya Ruko Tomang Tol Blok A1 no 6, Kota Jakarta Barat 11520
6 DKI Jakarta Tebet Soepomo Office Park Jakarta Soepomo Office Park, Jl. Prof. Dr. Supomo SH No. 143 D Kelurahan Tebet Barat, Kecamatan Tebet,
Kota Jakarta Selatan 12810
7 Jawa Barat Cut Meutia Bekasi Ruko The East 81 Jl. Cut Meutia Blok A No.1 RT 001/ 09 Kel. Margahayu Kec. Bekasi Timur, Kota Bekasi 17113
8 Jawa Barat Sunda Bandung Jl. Sunda No. 09 Kelurahan Lengkong Kecamatan Paledang, Kota Bandung 40112
9 Jawa Tengah Pemuda Semarang Jl. Pemuda No. 150 Rukan Pemuda Mas Blok A.10/11 Semarang, Kota Semarang 50196
10 Jawa Timur DR. Sutomo Surabaya Jl. DR. Sutomo No. 41, Kel. DR. Sutomo, Kec. Tegal sari, Kota Surabaya 60264
11 Kalimantan Barat Teuku Umar Pontianak Jl. Teuku Umar No. 91 Kelurahan Darat Sekip Kecamatan Pontianak Barat, Kota Pontianak 78117
12 Kalimantan Selatan Akhmad Yani Banjarbaru Jl. Jenderal Akhmad Yani Km. 35 No. 33, Kota Banjarbaru 70711
13 Kalimantan Timur Hasan Basri Samarinda Jl. Hasan Basri Komplek Ruko Simpang Merak Blok B No.12 Kel. Pelita Kec. Samarinda Utara,
Kota Samarinda 75117
14 Riau Sudirman Pekanbaru Jl. Jenderal Sudirman Nomor 470 B & C Kel. Wonorejo Kec. Marpoyan Damai, Kota Pekanbaru 28282
15 Sulawesi Selatan Pettarani Makassar Jl. Andi Pangerang Pettarani Nomor : 9 Petak 9 Rt. 02/ Rw. 03, Kelurahan Sinri Jala, Kecamatan Panakkukang,
Kota Makassar 90241
16 Sumatera Selatan Dhani Effendi (Radial) Palembang Jl. Brigjen Dhani Effendi (Radial) Nomor 78 Rukun Tetangga 019, Rukun Warga 06, Kelurahan 24 Ilir
Kecamatan Bukit Kecil. Kota Palembang. 30134
17 Sumatera Utara Palang Merah Medan Jl. Palang Merah No.114A Kel. Petisah Tengah Kec. Medan Barat, Kota Medan 20112

Wilayah Operasional
Operations Area


Main Highlights
Management Reports
Company Profile
Risk Management
Operational Review
PermataBank memiliki
jaringan distribusi dan
pemasaran yang tersebar
luas di 62 kota di Indonesia
dan mudah dijangkau guna
mendukung penjualan produk
yang unggul dan layanan
perbankan yang andal.
PermataBank has a broad and

easy to access distribution
network and marketing across
62 cities in Indonesia in order to
support the selling of products
and reliable banking services.

Struktur
Grup Perusahaan
Company Group Structure
PT Bank Permata Tbk
99,998%
PT Sahabat Finansial Keluarga


Main Highlights
Management Reports
Struktur
Company Profile
Risk Management
Operational Review
Pemegang Saham
Shareholders Structure
per tanggal 31 Desember 2019

as of 31 December 2019
Jardine Matheson Holdings Limited

41,77% (Bermuda)
Lain-lain
Others Standard Chartered PLC
(Public Company with standard listing in London and
secondary listings in
(kurang dari 10%) Bermuda and Singapore)
(all less than 10%)
84,91% 58,23%
100%
Jardine Strategic Holdings Limited
15,09% (Bermuda)
Lain-lain
Others (Public Company with standard listing in London and
secondary listings in
(kurang dari 10%) Bermuda and Singapore)
(all less than 10%)
75,00% Standard Chartered Holdings Limited
25,00% Jardine Cycle & Carriage Limited

Lain-lain (Singapore)
Others
(Public Company listed in Singapore)
(kurang dari 10%)
(all less than 10%) 100%
50,11%
49,89%
Lain-lain Masyarakat
Others PT Astra International Tbk Standard Chartered Bank
(Public)
(kurang dari 5%)
(all less than 5%)
44,56% 44,56% 10,88%
PT Bank Permata Tbk
99,998%
PT Sahabat Finansial Keluarga

Kronologis Penerbitan
dan Pencatatan Saham
Shares Issuance and Listing Chronology
Tambahan
Nominal/ Jumlah Saham
Tanggal Pencatatan Tindakan Korporasi Harga Pelaksanaan Saham Bursa
Saham (Rp) Number of
Listing Date Corporate Action Exercise Price Additional Stock Exchange
Par Value/Share Shares
Shares
15 Januari 1990 Penawaran Umum Perdana Rp1.000 Rp9.900 3.999.000 3.999.000 Bursa Efek Jakarta dan Bursa Efek
15 January 1990 PT Bank Bali Tbk Surabaya
Initial Public Offering Jakarta Stock Exchange and
PT Bank Bali Tbk Surabaya Stock Exchange
10 dan 24 September Penawaran Umum Rp1.000 Rp8.000 15.508.000 19.507.000 Bursa Efek Jakarta dan Bursa Efek
1990 Terbatas I PT Bank Bali Tbk Surabaya
10 and 24 September Rights Issue I Jakarta Stock Exchange and
1990 PT Bank Bali Tbk Surabaya Stock Exchange
14 November 1990 Pencatatan Saham Pendiri Rp1.000 - 42.525.000 62.032.000 Bursa Efek Surabaya
14 November 1990 PT Bank Bali Tbk Surabaya Stock Exchange
Listing of PT Bank Bali Tbk
Founder Shares
27 Agustus dan Pencatatan Saham Bonus Rp1.000 Rp1.000 124.064.000 186.096.000 Bursa Efek Jakarta dan Bursa Efek
8 September 1992 PT Bank Bali Tbk Surabaya
27 August and Listing of PT Bank Bali Tbk Bonus Jakarta Stock Exchange and
8 September 1992 Shares Surabaya Stock Exchange
17 Juli 1995 Penawaran Umum Rp1.000 Rp2.000 65.133.600 251.229.600 Bursa Efek Surabaya
17 July 1995 Terbatas II PT Bank Bali Tbk Surabaya Stock Exchange
Rights Issue II PT Bank Bali Tbk
18 Maret 1996 - Konversi Waran Rp1.000 Rp2.900 1.434.230 252.663.830 Bursa Efek Jakarta dan Bursa Efek
20 Maret 1998 PT Bank Bali Tbk Surabaya
18 March 1996 - PT Bank Bali Tbk Warrant Jakarta Stock Exchange and
20 March 1998 Conversion Surabaya Stock Exchange
27 Oktober 1997 Perubahan Nilai Saham (Stock Rp500 - 252.603.830 505.267.660 Bursa Efek Surabaya
27 October 1997 Split) PT Bank Bali Tbk Surabaya Stock Exchange
PT Bank Bali Tbk Stock Split
3 Agustus 1998, 20 dan 31 Saham bonus yang berasal dari Rp500 Rp500 166.738.173 672.005.833 Bursa Efek Jakarta dan Bursa Efek
Juli 1998 kapitalisasi tambahan modal Surabaya
3 August 1998, 20 and 31 disetor ke modal saham Jakarta Stock Exchange and
July 1998 Bonus shares from capitalisation Surabaya Stock Exchange
of additional paid-up capital to
capital stock
20 September 2000 Penawaran Umum Terbatas III - Saham kelas A: Rp80,51 66.528.577.467 67.200.583.300 Bursa Efek Jakarta dan Bursa Efek
20 September 2000 Dalam Rangka Rekapitalisasi Rp500 Surabaya
PT Bank Bali Tbk - Saham kelas B: Jakarta Stock Exchange and
Rights Issue III for Rp5 Surabaya Stock Exchange
Recapitalization of - A class share:
PT Bank Bali Tbk Rp500
- B class share:
Rp5
1 Oktober 2002 Penggabungan Lima Bank - Saham kelas A: - 126.377.564.775 193.578.148.075 Bursa Efek Jakarta dan Bursa Efek
1 October 2002 menjadi PT Bank Permata Tbk Rp500 Surabaya
Merger of Five Banks to become - Saham kelas B: Jakarta Stock Exchange and
PT Bank Permata Tbk Rp5 Surabaya Stock Exchange
- A class share:
Rp500
- B class share:
Rp5
8 Juni 2004 Penambahan Modal Tanpa Hak - Saham kelas A: - 25 193.578.148.100 Bursa Efek Jakarta dan Bursa Efek
8 June 2004 Memesan Efek Terlebih Dahulu Rp500 Surabaya
Private Placement - Saham kelas B: Jakarta Stock Exchange and
Rp5 Surabaya Stock Exchange
- A class share:
Rp500
- B class share:
Rp5


Main Highlights
Management Reports
Company Profile
Risk Management
Operational Review
Tambahan
Nominal/ Jumlah Saham
Tanggal Pencatatan Tindakan Korporasi Harga Pelaksanaan Saham Bursa
Saham (Rp) Number of
Listing Date Corporate Action Exercise Price Additional Stock Exchange
Par Value/Share Shares
Shares
8 Juni 2004 Penggabungan Nilai Nominal - Saham kelas A: - 7.743.125.924 - Bursa Efek Jakarta dan Bursa Efek
8 June 2004 Reverse Stock Rp12.500 Surabaya
- Saham kelas B: Jakarta Stock Exchange and
Rp125 Surabaya Stock Exchange
- A class share:
Rp12.500
- B class share:
Rp125
6 Desember 2010 Penawaran Umum Terbatas IV - Saham kelas A: Rp1.549 1.290.520.987 9.033.646.911 Bursa Efek Indonesia
6 December 2010 Dengan Hak Memesan Efek Rp12.500 Indonesia Stock Exchange
Terlebih Dahulu - Saham kelas B:
Rights Issue IV Rp125
- A class share:
Rp12.500
- B class share:
Rp125
6 Desember 2012 Penawaran Umum Terbatas V - Saham kelas A: Rp1.215 1.642.481.256 10.676.128.167 Bursa Efek Indonesia
6 December 2012 Dengan Hak Memesan Efek Rp12.500 Indonesia Stock Exchange
Rights Issue V Rp125
- A class share:
Rp12.500
- B class share:
Rp125
24 Januari 2014 Penawaran Umum Terbatas VI - Saham kelas A: Rp1.242 1.207.706.806 11.883.834.973 Bursa Efek Indonesia
24 January 2014 Dengan Hak Memesan Efek Rp12.500 Indonesia Stock Exchange
Rights Issue VI Rp125
- A class share:
Rp12.500
- B class share:
Rp125
16 Juni 2016 Penawaran Umum Terbatas VII - Saham kelas A: Rp526 10.456.095.082 22.339.930.055 Bursa Efek Indonesia
16 June 2016 Dengan Hak Memesan Efek Rp12.500 Indonesia Stock Exchange
Rights Issue VII Rp125
- A class share:
Rp12.500
- B class share:
Rp125
7 Juni 2017 Penawaran Umum Terbatas VIII - Saham kelas A: Rp526 5.702.809.150 28.042.739.205 Bursa Efek Indonesia
7 June 2017 Dengan Hak Memesan Efek Rp12.500 Indonesia Stock Exchange
Rights Issue VIII Rp125
- A class share:
Rp12.500
- B class share:
Rp125
31 Desember 2019 Selama tahun 2019, PermataBank tidak menerbitkan saham baru.
31 December 2019 In 2019, PermataBank has not issued new shares.

Kronologis Penerbitan
dan Pencatatan Efek
Bersifat Utang
Debt-Type Securities Issuance and Listing Chronology
Kronologis Pencatatan Obligasi

Bonds Listing Chronology
Peringkat
Bursa
Nama Obligasi Tanggal Penerbitan Bunga Tanggal Jatuh Tempo Nilai Pokok (Rp) Rating Periode Pemeringkatan
Stock
Debt Name Issuance Date Interest Rate Maturity Date Principal Amount (Rp) Rating Period
Exchange
2019 2018
Penerbitan Obligasi 24 Desember 2013 12% p.a 24 Desember 2020 Rp860.000.000.000 id

AA+ id
AA+ 6 September 2019 – Bursa Efek
Subordinasi Berkelanjutan 24 December 2013 24 December 2020 (Double A (Double A 1 September 2020 Indonesia
II Bank Permata Tahap I Plus) Plus) Indonesia
Tahun 2013 Stock
Issuance of Continuous Exchange
of Bank Permata Phase
I 2013
Penerbitan Obligasi 24 Oktober 2014 11,75% p.a 24 Oktober 2021 Rp700.000.000.000 id

AA id
AA 6 September 2019 – Bursa Efek
Subordinasi Berkelanjutan 24 October 2014 24 October 2021 (Double (Double 1 September 2020 Indonesia
II Bank Permata Tahap II A) A) Indonesia
Tahun 2014 Stock
Issuance of Continuous Exchange
of Bank Permata Phase
II 2014


Main Highlights
Management Reports
Company Profile
Nama dan Alamat

Risk Management
Operational Review
Lembaga dan/atau
Profesi Penunjang
Pasar Modal
Name and Address of Supporting Capital Market Profession and/or Institution
Akuntan Publik Wali Amanat

Public Accountant Trustee
Kantor Akuntan Publik Tanudiredja, Wibisana, Rintis & Rekan PT Bank CIMB Niaga Tbk
Jl. Jend. Sudirman Kav. 29-31, Jakarta 12920 Graha Niaga, Lantai 7
Tel. : (62 21) 5212901 Jl. Jend. Sudirman Kav. 58, Jakarta 12190
Fax. : (62 21) 52905555/52905050 Tel. : (62-21) 300 64200, Ext. 32001, 32002, 32003, 32004
www.pwc.com/id Fax. : (62-21) 250 5777
Biro Administrasi Efek Pemeringkat

Share Registrar Rating Agency
PT Raya Saham Registra PT Pemeringkat Efek Indonesia (Pefindo)
Gedung Plaza Sentral, Lt. 2 Panin Tower Senayan City 17th Floor
Jl. Jend. Sudirman Kav. 47-48, Jakarta 12930 Jalan Asia Afrika Lot 19, Jakarta 10270
Tel. : (62-21) 2525 666 Tel. : (62 21) 72782380
Fax. : (62-21) 2525 028 Fax. : (62 21) 72782370
www.pefindo.com
Kustodian
Custodian Notaris
PT Kustodian Sentral Efek Indonesia Notary
Gedung Bursa Efek Indonesia Notaris Aulia Taufani, S.H.
Tower I Lt. 5 Menara Sudirman Lantai 17D
Jl. Jend. Sudirman Kav. 52-53 Jl. Jend. Sudirman Kav. 60, Jakarta 12190
Jakarta 12190 Tel. : (62-21) 5289-2366
Tel. : (62-21) 5299 1099 Fax. : (62-21) 5204-780
Fax. : (62-21) 5299 1199
www.ksei.co.id
Konsultan Hukum
Legal Consultant
Nasoetion & Atyanto
Equity Tower Lantai 26
Jl. Jend. Sudirman, kav. 52-53, SCBD, Jakarta 12190
Tel. : (62-21) 5140 0311/5140 0312
Fax. : (62-21) 5140 0313
Jasa Berkala oleh Profesi Penunjang Pasar Modal Selama Tahun 2019
Periodic Services by Capital Market Supporting Institutions and Professional in 2019
Nama Alamat Jasa yang diberikan Komisi Periode penugasan
No
Name Address Type of Service Fee Assignment Period
1 Kantor Akuntan Publik Jl. Jend. Sudiraman Kav. 29-31, Jakarta Audit Laporan Keuangan Rp7.100.000.000 31 Desember 2019
Tanudiredja, Wibisana, Rintis 12920 Konsolidasian (di luar PPN dan 31 December 2019
& Rekan Consolidated Financial OPE)
Statements Audit (excluding VAT and
OPE)
2 Nasoetion & Atyanto Equity Tower Lantai 26 Konsultan hukum Rp346.500.000 Januari - Desember 2019
Jl. Jend. Sudirman, Kav. 52-53, SCBD, Legal Consultant (di luar biaya Aksi January - December 2019
Jakarta 12190 Korporasi)
Tel. : (62-21) 5140 0311/5140 0312 (excluding the cost
Fax. : (62-21) 5140 0313 of Corporate Action)
3 Notaris Aulia Taufani, S.H. Menara Sudirman Lantai 17D Notaris Rp22.000.000 Januari - Desember 2019
Jl. Jend. Sudirman Kav. 60, Notary January - December 2019
Jakarta 12190
Tel. : (62-21) 5289-2366
Fax. : (62-21) 5204-780

Informasi pada
Situs Web Perusahaan
Information in Company’s Website
Informasi yang termuat dalam situs web PermataBank telah Information provided on PermataBank’s website have complied
memenuhi ketentuan yang diatur oleh Peraturan Otoritas Jasa with the requirements of OJK Regulation (POJK) Number 8/
Keuangan Nomor 8/POJK.04/2015 tentang Situs Web Emiten POJK.04/2015 concerning the Website of Issuers or Publicly-
atau Perusahaan Publik. Seluruh informasi tersebut dapat diakses Listed Companies. The required information is accessible for
oleh publik melalui situs web www.permatabank.com. Informasi the general public through the website www.permatabank.com.
yang tersedia, antara lain: Available information in the website includes:
Profil Korporasi Struktur Manajemen Hubungan Investor Tata Kelola Perusahaan Tanggung Jawab Sosial
Corporate Profile Management Structure Investor Relation Good Corporate Governance Social Responsibility
- Sekilas PermataBank - Dewan Komisaris - Press Release - ASEAN Corporate - PermataHati

- Jaringan PermataBank - Direksi - Laporan Tahunan Governance Scorecard - Kesehatan, Keselamatan
- Digital Banking - Laporan Keberlanjutan - Kode Etik Kerja dan Lingkungan (K3L)
- Visi & Misi - Board of Commissioners - Laporan Keuangan - Pedoman Kerja - Ketenagakerjaan
- Nilai-nilai PermataBank - Board of Directors - Ikhtisar Laporan Keuangan – - Laporan Pelaksanaan Tata
- Pencapaian PermataBank 5 Tahun Kelola Perusahaan - PermataHati
- Kontak Lembaga dan - Presentasi Korporasi - Kebijakan Terkait Tata Kelola - Health, Occupational Safety,
Profesi Penunjang Pasar - Rapat Umum Pemegang - Piagam Unit Audit Internal and Environmental (HSE)
Modal Saham - Pernyataan Anti Pencucian - Employment
- Anggaran Dasar - Aksi Korporasi Uang
- Struktur Kepemilikan & Grup - Informasi Material - Sistem Whistleblowing
- Struktur Organisasi - Informasi Saham
- Profil Komite dan Sekretaris - Informasi Dividen - ASEAN Corporate
Perusahaan - Informasi Obligasi Governance Scorecard
- Code of Ethics
- PermataBank Overview - Press Release - Charter
- PermataBank Distribution - Annual Report - Self-Assessment GCG
- Digital Banking - Sustainability Report Report
- Vision & Mission - Financial Report - GCG Related Policies
- PermataBank’s - Financial Statement - Internal Audit Charter
Achievements Overview – 5 Years - Anti-Money laundering
- PermataBank’s Values - Corporate Presentation - Whistleblowing System
- Supporting Capital Market - General Meeting of
Profession Shareholders
- Articles of Association - Corporate Actions
- Shareholders & Group - Significant Disclosures
- Organization Structure - Shares Information
- Committee Profiles & - Dividend Information
Corporate Secretary - Bonds Information


Main Highlights
Management Reports
Makna Logo
Company Profile
Risk Management
Operational Review
PermataBank
The Meaning of PermataBank Logo
Permata merupakan sekumpulan jenis batuan berharga yang Diamonds are the most precious and unique of all gem stones.
termasyur dan tak ada duanya. Manusia bak “permata” yang People are like ‘diamonds’ whose roles are invaluable. The power of
tak ternilai perannya. Dalam menjalankan bisnis, “kekuatan” people, synergy and partnership are at the core of PermataBank’s
manusia, sinergi dan kemitraan menjadi inti dalam membangun journey.
PermataBank.
PermataBank meletakkan prinsip - prinsip dan falsafah “permata” PermataBank places the philosophy of ‘diamonds’ as a principle
sebagai fondasi dalam mewujudkan visi dan misi korporasi dengan foundation in manifesting its vision and mission, emphasizing
cara menonjolkan seluruh nilai-nilai “positif” dari “permata” untuk all the ‘positive’ values of a ‘diamond’ in becoming the bank
menjadi bank pilihan dengan terus membina kemitraan dan of choice, by consistently nurturing partnerships and creating
menciptakan nilai bermakna bagi seluruh pemangku kepentingan. meaningful value for all its stakeholders.
• Biru PermataBank : melambangkan angkasa, • PermataBank Blue : Represent sky, peace, wisdom,
perdamaian, kebijaksanaan, eternity and serenity.
keabadian dan ketenangan.
• Merah PermataBank : melambangkan hidup, semangat, • PermataBank Red : Represent life, spirit, strength,
kekuatan, pionir, energi, pioneer, energy, leadership, and
kepemimpinan dan kebersamaan. togetherness.
• Hijau PermataBank : melambangkan bumi, kesuburan, • PermataBank Green : Represent earth, fertility, soothing,
kesejukan, harmonis, ketulusan dan harmony, sincerity and positive
kekuatan positif. energy.
Secara keseluruhan, paduan semua warna di atas mencerminkan The color combination above represent Eternity, Spirit, and
Keabadian, Semangat, dan Kemakmuran. Prosperity.

#Achieveme
Analisis dan
Pembahasan Manajemen
Management Discussion
and Analysis
Tinjauan Kinerja Bisnis 136 Tinjauan Kinerja Keuangan 238
Business Performance Overview Financial Performance Overview
Tinjauan Kinerja per Segmen Usaha 137 Perekonomian dan Industri Perbankan 239
Performance Overview per Business Segment Economic and Banking Industry
Retail Banking | Retail Banking 138 Tinjauan Kinerja Keuangan Perusahaan 245
Overview of the Company’s Financial Performance
Consumer Banking | Consumer Banking 146
Suku Bunga Dasar Kredit 271
E-Channels | E-Channels 162 Prime Lending Rates
SME Banking | SME Banking 166 Analisa Kemampuan Membayar Utang dan 272
Kolektibilitas Piutang serta Rasio Keuangan yang
Kualitas Layanan dan Keunggulan Operasional 170 Relevan
Service Quality and Operational Excellence Analysis of Ability to Pay Debts, Collectibility of
Receivables and Relevant Financial Ratios
Wholesale Banking | Wholesale Banking 178
Transaksi Spot dan Derivatif 277
Corporate Banking | Corporate Banking 184 Spot and Derivative Transactions
Commercial Banking | Commercial Banking 188 Struktur Modal dan Kebijakan Manajemen atas 278
Struktur Modal serta Dasar Penentuan Kebijakan
Financial Institution | Financial Institution 192 Capital Structure and Management Policy on Capital
Transaction Banking | Transaction Banking 196 Structure and Basis for Policy Determination
Global Markets | Global Markets 200

Ikatan yang Material untuk Investasi Barang Modal 283
Material Commitments for Capital Expenditures
Unit Usaha Syariah | Shariah Business Unit 204 Investasi Barang Modal pada Tahun 2019 284
Investment of Capital Goods in 2019
Distribusi Jaringan | Network Distribution 214
Aktivitas Pemasaran | Marketing Activity 222

ent
Main Highlights
Management Reports
Company Profile
Risk Management
Operational Review
Informasi dan Fakta Material yang Terjadi Setelah 284 Informasi Transaksi Material yang Mengandung 298
Tanggal Laporan Akuntan Benturan Kepentingan dan/atau Transaksi dengan
Material Information and Facts That Happen After the Pihak Afiliasi/Pihak Berelasi
Accountant’s Report Date Information Regarding Material Transactions Containing
Conflict of Interest and/or Transaction with Affiliate
Perbandingan antara Target 284 Parties/Related Parties
dan Realisasi 2019
Comparison between Targets and Informasi Transaksi terkait Investasi, Ekspansi, 300
Realization 2019 Divestasi, Penggabungan Usaha, Akuisisi dan
Restrukturisasi
Proyeksi 2020 | Projections 2020 287 Transaction Information related to Investment, Expansion,
Prospek Usaha Perusahaan 289 Divestment, Merger, Acquisition, and Restructuring
Business Prospects Perubahan Peraturan Perundang-Undangan yang 300
Aspek Pemasaran 292 Berpengaruh Signifikan terhadap Perusahaan
Marketing Aspect Amendments to Legal Regulations that had a Significant
Impact to the Company
Kebijakan Dividen dan Pembagiannya 296
Dividend Policy and Its Distribution Perubahan Kebijakan Akuntansi dan Dampaknya yang 300
Diterapkan di Tahun 2019
Program Kepemilikan Saham oleh Karyawan dan/atau 296 Changes in Accounting Policies and the Impacts
Manajemen (ESOP/MSOP) Implemented in 2019
Employee and/or Management (ESOP/MSOP) Ownership
Programs Management (ESOP/MSOP) Ketaatan sebagai Wajib Pajak 302
Tax Compliance
Realisasi Penggunaan Dana 297
Hasil Penawaran Umum Informasi Kelangsungan Usaha 302
Realization of Use of Public Offering Funds Business Continuity Information
Perjanjian Signifikan 297
Significant Agreements

Tinjauan
Kinerja
Bisnis
Business Performance Overview


Main Highlights
Management Reports
Tinjauan Kinerja
Company Profile
Risk Management
Operational Review
per Segmen Usaha

Performance Overview per Business Segment
Retail Wholesale Unit Usaha

Banking Banking Syariah
146 Consumer Banking 184 Corporate Banking 204 Unit Usaha Syariah
Consumer Banking Corporate Banking Shariah Business Unit
162
E-Channels 188 Commercial Banking
E-Channels Commercial Banking
166 SME Banking 192 Financial Institution
SME Banking Financial Institution
170 Kualitas Layanan dan Keunggulan 166 Transaction Banking
Operasional Transaction Banking
Service Quality and Operational
Excellence 200 Global Markets
Global Markets
138 178 204

Retail
Banking
Retail Banking
Total pinjaman (bruto) mencapai Net Non-Performing Loans (NPL)
63,83 1,91%
Total (gross) loans totalled Net Non-Performing Loans (NPL)
Rp triliun
trillion
per Des 2018
1,82%
per Dec 2018
menjadi
per Des 2019

per Dec 2019
Retail Banking berkomitmen Retail Banking is committed to

untuk selalu memberikan always providing the best for
yang terbaik bagi nasabah, customers, increasing customer
meningkatkan kepuasan dan satisfaction and loyalty while
loyalitas nasabah sekaligus improving performance.
meningkatkan kinerja.


Main Highlights
Management Reports
Company Profile
Risk Management
Operational Review
Fokus Retail Banking adalah untuk melayani kebutuhan finansial The focus of Retail Banking is to serve the financial needs of
keluarga dan SME di daerah perkotaan melalui berbagai pilihan families and SMEs in urban areas through a variety of products
produk dan layanan yang dirancang sesuai kebutuhan nasabah and services that are designed according to customer needs
(customer centric) serta memberikan layanan yang mudah, cepat, (customer centric) as well as providing services that are simple,
dan dapat diandalkan. fast, and reliable.
Unit bisnis Retail Banking PermataBank menyediakan berbagai PermataBank’s Retail Banking business unit provides a variety of
produk dan layanan, yang didistribusikan melalui cabang-cabang products and services. These products are distributed through
di seluruh Indonesia yang saat ini tersebar di 62 kota serta melalui branches spread across 62 cities in Indonesia and e-Channel
layanan e-Channel atau layanan digital terkini, seperti mobile banking services being the latest digital services, including mobile banking
(PermataMobile X), internet banking (PermataNet), 975 anjungan (PermataMobile X), internet banking (PermataNet), 975 automatic
tunai mandiri (ATM), navigator, Permata e-Form, dan lain-lain. teller machines (ATMs), navigator, Permata e-Forms, and so on.
Produk dan layanan dari Retail Banking, antara lain produk Products and services from Retail Banking, include savings
simpanan, pinjaman konsumen (kredit pemilikan rumah, kartu products, consumer loans (mortgage, credit cards, personal
kredit, kredit tanpa agunan dan pembiayaan kendaraan bermotor, loan and motor vehicle, consumer durable goods, multipurpose
consumer durable goods dan multiguna melalui beragam skema financing through indirect consumer financing schemes), wealth
indirect consumer financing), wealth management (reksadana, management (mutual funds, bonds and bancassurance) and
obligasi dan bancassurance) serta produk-produk SME, seperti SME products, such as working capital loans, trade and cash
pembiayaan modal kerja, trade dan cash management. management.

Retail Banking
Retail Banking
Tantangan 2019 Challenges 2019

Dalam menjalankan kegiatan usaha sepanjang tahun 2019, Retail During 2019, a number of challenges were faced by Retail
Banking menghadapi beberapa tantangan, antara lain dinamika Banking in carrying out business activities. The economy was still
perekonomian yang masih mengalami perlambatan, sehingga experiencing a slowdown, affecting the performance of banks in
berpengaruh terhadap kinerja perbankan secara umum. general.
Tingkat persaingan yang kian tinggi dalam mendapatkan dana The tight competition in obtaining low-cost funds, and the
murah dan persaingan suku bunga untuk produk-produk pinjaman interest rates competition for Small and Medium Enterprises
Usaha Kecil Menengah (UKM) atau dikenal sebagai Small (SME) loan products as well as mortgages encourage the Bank to
Medium Enterprise (SME), serta Kredit Pemilikan Rumah (KPR) develop various product and service innovations, for example by
mendorong Bank melakukan berbagai inovasi produk dan layanan, enhancing digital channels to provide conveniences for customers
seperti mengembangkan channel digital untuk memberikan in performing banking activities which can support the growth
kemudahan bagi nasabah dalam melakukan aktivitas perbankan of low-cost funds, increase customer satisfaction and loyalty
sehingga dapat mendorong pertumbuhan dana murah, menjaring amidst the competition with other banks and financial technology
nasabah baru, meningkatkan kepuasan dan loyalitas nasabah (fintech) companies.
di tengah persaingan dengan bank kompetitor maupun dengan
perusahaan-perusahaan financial technology (fintech).
Perkembangan perusahaan-perusahaan fintech juga menjadi The development of fintech companies was also a challenge to
tantangan sendiri bagi Bank karena masyarakat bisa mendapatkan the Bank since many people can easily access these financial
layanan jasa keuangan dengan akses yang mudah sehingga services, resulting in tighter competition. Additionally, the interest
persaingan menjadi lebih ketat. Selain itu, persaingan suku rates competition for SME and mortgage loan products is also
bunga untuk produk-produk pinjaman SME dan KPR terutama caused by banks in general are attempting to improve their
disebabkan oleh bank-bank yang secara umum berusaha untuk balance sheets.
memperbaiki neraca keuanganya.
Dalam menghadapi persaingan dengan perusahaan-perusahaan In facing the competition with fintech companies, PermataBank
fintech, PermataBank menjalankan strategi dan kreativitas implements innovative strategies and creativity to expand the
yang inovatif untuk memperluas bisnis Bank melalui strategic Bank’s business through strategic partnerships with reputable
partnerships dengan perusahaan-perusahaan fintech yang fintech companies. Through the strategic partnerships,
memiliki reputasi terbaik. Melalui strategic partnerships tersebut, PermataBank’s business can grow along and together with the
bisnis PermataBank dapat berkembang bersama dengan rapid development of the fintech business.
perkembangan pesat bisnis fintech.


Main Highlights
Management Reports
Company Profile
Risk Management
Operational Review
Strategi dan Program Kerja 2019 2019 Strategy and Work Program
Retail Banking berkomitmen untuk selalu memberikan yang Retail Banking is committed to always providing the best for
terbaik bagi nasabah, meningkatkan kepuasan dan loyalitas customers, increase customer satisfaction and loyalty as well as
nasabah sekaligus meningkatkan kinerja. Sepanjang tahun 2019, to drive business performance. Throughout 2019, Retail Banking
Retail Banking telah menetapkan sejumlah strategi dan program established a number of strategies and innovative programs
inovasi di bidang layanan dan produk. Inovasi layanan dan produk in products and services. Innovations in products and services
maupun jaringan distribusi dirancang secara khusus untuk as well as in distribution networks were specifically designed to
memastikan kualitas yang terbaik serta memberikan customer ensure the best quality and provide a simple, fast and reliable
experience yang mudah, cepat dan dapat diandalkan sesuai customer experience in accordance with our brand promise.
dengan slogan kami yaitu simple, fast and reliable.
Strategi dan program kerja yang telah dijalankan Retail Banking The strategies and work programs implemented by Retail Banking
sepanjang tahun 2019 adalah sebagai berikut: throughout 2019 were as follows:
1. Menawarkan produk-produk perbankan yang sesuai dengan 1. Offer banking products and services that are in line with
kebutuhan nasabah (customer centric), memberikan customer needs (customer centric approach), provide the
customer experience yang terbaik bagi nasabah dan best customer experience for customers and consistently
secara konsisten mengembangkan solusi digital yang lebih develop digital solutions that are simple, fast and reliable.
sederhana, cepat dan andal (simple, fast and reliable).
2. Meningkatkan jumlah nasabah Retail Banking melalui 2. Increase Retail Banking customers through digital channel
pengembangan channel digital, mengoptimalkan sinergi development, optimize synergy with Astra group and form
dengan group Astra, dan bekerja sama dengan mitra-mitra partnerships with new business partners.
bisnis baru.
3. Melakukan transformasi dan inovasi channel digital secara 3. Consistently execute digital channel transformation and
berkelanjutan untuk menjadi yang terdepan di dalam industri innovation to become the leader in the banking industry.
perbankan.
4. Memperkuat struktur pendanaan dengan meningkatkan rasio 4. Strengthen funding structure by increasing the ratio of low-
dana murah untuk meningkatkan kemampuan bank dalam cost funds to improve Bank’s ability to compete in the lending
bisnis perkreditan, termasuk memberikan fasilitas kredit business, including to support the Bank’s ability to provide
dengan bunga kompetitif. credit facilities with competitive interest rates.
5. Meningkatkan jumlah dan kualitas pinjaman, baik pinjaman 5. Increase the amount and quality of SME and Consumer
SME dan Konsumsi. lending.
6. Digitalisasi produk dan layanan agar nasabah dapat 6. Digitizing products and services so that customers can
mengakses seluruh produk dan layanan PermataBank access all PermataBank’s products and services, anytime,
kapanpun dan di manapun anywhere.

Retail Banking
Retail Banking
7. Meningkatkan produktivitas sumber daya manusia melalui 7. Increase the productivity of human resources through a
berbagai pelatihan, perbaikan proses dan alur kerja serta variety of trainings, process improvements, workflows and
melakukan digitalisasi operasional bank guna memastikan digitalization of Bank operations to ensure good organizational
efisiensi organisasi yang baik dan sumber daya manusia yang efficiency and human resources that are able to adapt to
dapat beradaptasi dengan baik terhadap perubahan. changes.
8. Melayani kebutuhan finansial keluarga dan nasabah usaha 8. Serving the financial needs of families and customers of small
kecil dan menengah (UKM) atau Small Medium Enterprise and medium enterprises (SMEs) in urban areas in Indonesia.
(SME) di daerah perkotaan di Indonesia.
9. Meningkatkan kualitas aset produktif dengan manajemen 9. Improving the quality of productive assets with good portfolio
portofolio yang baik. management.
Selain itu, PermataBank juga memiliki berbagai inisiatif terkait In addition, PermataBank has many process initiatives, one of
proses seperti proses pembukaan rekening secara digital & which is digital account opening & instant debit card issuance
instant debit card issuance yang digunakan untuk menunjang process to support exhibition activities, events or promotions
kegiatan pameran, event atau promosi yang dilakukan oleh Bank. conducted by the Bank. With this process, account opening can
Dengan proses ini, pembukaan rekening dilakukan secara instan be done instantly, therefore, customers can immediately receive a
sehingga nasabah dapat langsung menerima kartu debit dan debit card and enjoy various Bank offers and promotions.
menikmati berbagai penawaran dan promosi Bank.
Dengan berbagai inovasi dan inisiatif strategis yang telah The various strategic initiatives and innovations developed by
dilakukan, PermataBank berhasil meraih berbagai penghargaan Retail Banking in 2019 have resulted in the following awards:
yang terkait dengan Retail Banking sepanjang tahun 2019. Di
antaranya adalah:
Nama Award Kategori Penyelenggara

Award Name Category Organizer
Exceptional Service Performance untuk kategori:

Exceptional Service Performance by category
- Regular Banking
- Priority Banking
- Regular Credit Card
- Platinum Credit Card
- Shariah Banking Carre-Center For Customer Satisfaction
Contact Center Service
- Customer Service Email Centers and Loyalty (Carre CCSL) & Majalah
Excellence Award
- Kredit Kepemilikan Rumah (KPR)/Mortgage loan Service Excellence
- Personal Loan (PL)
- EDC
Good Service Performance untuk kategori:

Good Service Performance by category
- Social Media for Twitter


Main Highlights
Management Reports
Company Profile
Risk Management
Operational Review
Nama Award Kategori Penyelenggara

Award Name Category Organizer
Kategori Bank Umum | General Bank Category

1. #1 Best Opening Account Website Application
2. #2 Best Teller
3. #2 Phone Banking
4. #3 Best ATM Public Area
5. #4 Call Center
6. #5 Best Overall Performance
7. #5 Best Walk In Channel
Banking Service Excellence 8. #5 Best Digital Banking Marketing Research Indonesia (MRI) &
Awards 2019 Majalah Infobank
Kategori Bank Syariah | Shariah Bank Category
1. Golden Trophy Award (The Best Bank – Kategori UUS/Category UUS)
2. #1 Best Overall Performance
3. #1 Best Overall Minus E banking
4. #1 Best Customer Service
5. #1 Best Satpam/Security
6. #2 Best Teller
Predikat Diamond (tertinggi) untuk kategori PermataBank Priority

Diamond Predicate (highest) for category PermataBank Priority Carre Center For Customer Satisfaction
Service Quality Award 2019 and Loyalty (Carre CCSL) & Majalah
Predikat Golden untuk kategori Regular Banking Service Excellence
Golden Predicate for category Regular Banking
Penghargaan untuk Kategori Bank Buku 3:

Award for Category Bank Book 3
Satisfaction, Loyalty, - #1 kategori | category Overall Engagement Index 2019 Marketing Research Indonesia (MRI) &
Engagement (SLE) Award - #2 kategori fisik | category physical - Satisfaction Index 2019
Majalah Infobank
2019 - #2 kategori | category ATM - Satisfaction Index 2019
- #3 kategori | category Overall Satisfaction Loyalty & Engagement (SLE) Index 2019
- #3 kategori | category Customer Service - Satisfaction Index 2019
- #1 Kategori Kartu Debit Bank Umum Konvensional | Category Debit Card for
General Conventional Bank (Product Brand: Permata Debit)
- #2 Kategori Kartu Kredit Bank Umum Konvensional | Category Credit Card for
8th InfoBank Digital Awards General Conventional Bank (Product Brand: Kartu Kredit Pertama)
Majalah Infobank & ISENTIA Research
2019 - #2 Kategori Unit Usaha Syariah – Bank Umum Konvensional Aset Rp5 Triliun Ke
Atas
Category Shariah Unit – General Conventional Bank with Assets of Rp5 Trillion
and above (Corporate Brand: PermataBank Syariah)
Properti Indonesia Award 2019 Highly Recommended Innovative Mortgage Product untuk PermataHome Ready Cash Majalah Property Indonesia
Visa Award 2019 Best Debit Issuer 2019 untuk Non Buku 4 | For Non Book 4 Visa
Best Issuer Bank 2019 untuk kategori Tier 3 – Private Bank

Prima & InfoBank Award 2019 Prima & Infobank
For category Tier 3 - Private Bank
Asian Banker Indonesia The Best Frictionless API Initiative, Application or Programme, PermataBank - API
The Asian Banker
Country Awards 2019 with Indo Premier Securities
MasterCard Award 2019 Best Segmented Credit Card Program, Permata Shopping Card #Shopalogic MasterCard

Retail Banking
Retail Banking
Kinerja Usaha 2019 Business Performance 2019

Pada tahun 2019, Retail Banking menunjukkan kinerja yang baik In 2019, Retail Banking showed a good and consistent performance,
dan konsisten, dari segi aset, liabilitas, serta rasio dana murah. in terms of assets, liabilities, and low-cost funds ratios.
• Total DPK mengalami kenaikan sebesar 4,5% dari Rp87,72 • Total Third Party Funds (DPK) increased by 4.5% from
triliun pada 2018 menjadi Rp91,69 triliun pada 2019. Rp87.72 trillion in 2018 to Rp91.69 trillion in 2019.
• Jumlah kredit KPR yang dikucurkan (draw-down) mengalami • Mortgage loans disbursed (draw-down) increased by 7.5% in
kenaikan sebesar 7,5% pada 2019 dibandingkan tahun 2018. 2019 compared to 2018.
• Kualitas kredit juga semakin membaik, terlihat dari tingkat Net • Credit quality has also improved as indicated by the level of
Non-Performing Loans (NPL) yang menurun dari 1,91% di Net Non-Performing Loans (NPLs) which decreased from
tahun 2018 menjadi 1,82% di tahun 2019. 1.91% in 2018 to 1.82% in 2019.
• Total pinjaman (bruto) mencapai Rp63,83 triliun, yang terdiri • Total (gross) loans totalled Rp63,83 trillion, which consisted
dari 56,5% consumer loan serta 43,5% SME loan. of 56.5% consumer loans and 43.5% SME loans.
• Pengucuran pinjaman Kredit Tanpa Agunan (KTA) meningkat • Personal Loan (PL) disbursement increased by 84% in 2019
sebesar 84% pada tahun 2019 dibandingkan dengan tahun compared to 2018.
2018.
• Komposisi dana murah dipertahankan di atas 50%. • The composition of low-cost funds was maintained above 50%.
• Asset Under Management (AUM) wealth management • Asset Under Management (AUM) for wealth management
meningkat sebesar 10,3%. increased 10.3%.
Rencana Strategis 2020 Strategic Plan 2020

Retail Banking berkomitmen untuk senantiasa memberikan yang Retail Banking is committed to always providing the best for
terbaik bagi nasabah, meningkatkan kepuasan dan loyalitas customers, increasing customer satisfaction and loyalty while
nasabah sekaligus meningkatkan kinerja. Untuk memenuhi improving performance. To meet this commitment, specific
komitmen tersebut, strategi-strategi khusus yang ditetapkan strategies established by Retail Banking in 2020 include:
Retail Banking di tahun 2020, antara lain:
• Melakukan transformasi dan inovasi channel digital secara • Continuously transforming and innovating digital channels
berkelanjutan untuk menjadi yang terdepan dalam industri to become the leader in the banking industry. Through the
perbankan. Melalui pengembangan channel digital dan development of digital channels and digitizing Bank products
digitalisasi produk dan layanan Bank, berbagai produk dan and services, various PermataBank products and services can
layanan PermataBank dapat diakses kapan pun dan di mana be accessed anytime and anywhere.
pun.
• Meningkatkan jumlah nasabah Retail Banking baik melalui • Increase the number of Retail Banking customers through
pengembangan channel digital maupun melalui optimalisasi the development of digital channels and through optimizing
sinergi dengan mitra-mitra bisnis Bank dan melakukan kerja synergies with Bank’s business partners as well as
sama dengan mitra-mitra bisnis baru. collaborating with new business partners.
• Menyediakan dan menawarkan produk-produk perbankan • Providing and offering customer-centric banking products
dan layanan yang sesuai dengan kebutuhan nasabah and services.
(customer centric).
• Memastikan customer experience yang terbaik bagi nasabah • Ensuring the best banking experience for customers by
dengan selalu mengembangkan solusi digital yang lebih continually developing digital solutions that are simple, fast
sederhana, cepat dan dapat diandalkan (simple, fast and and reliable.
reliable).


Main Highlights
Management Reports
Company Profile
Risk Management
Operational Review
• Memperkuat struktur pendanaan dengan meningkatkan rasio • Strengthening the funding structure by increasing the ratio
dana murah untuk meningkatkan kemampuan Bank dalam of low-cost funds to enhance the Bank’s ability in the credit
bisnis perkreditan. business.
• Jumlah dan kualitas pinjaman akan terus ditingkatkan, baik • Improving the number and quality of loans of SME and
pinjaman SME dan pinjaman Konsumsi. consumer loans
• Selain meningkatkan kemampuan Bank dalam bisnis • Improving the Bank’s ability in the credit business, while at the
perkreditan, pada saat bersamaan, Bank juga memperkuat same time, strengthening risk management to ensure a good
manajemen risiko untuk memastikan portofolio pinjaman loan portfolio and as well as encouraging business growth.
yang baik dan juga untuk mendorong pertumbuhan bisnis.
• Terus meningkatkan produktivitas sumber daya manusia • Continuing to improve the productivity of human resources
melalui berbagai pelatihan, perbaikan alur dan proses kerja through various training, workflow and work process
maupun melaksanakan digitalisasi operasional Bank guna improvements and digitizing the Bank’s operations. This is to
memastikan sumber daya manusia dapat beradaptasi dengan ensure that human resources can adapt to changes, including
baik terhadap perubahan, termasuk terhadap berbagai developments of products, services and digital channels by
pengembangan produk dan layanan yang dilakukan oleh the Bank. Further, the Bank also ensures good organizational
Bank dan pengembangan channel digital Bank. Selain itu, efficiency.
Bank juga memastikan efisiensi organisasi yang baik.

Consumer
Banking
Consumer Banking
PermataBank terus berinovasi PermataBank continues to innovate

demi memberikan kemudahan in order to provide conveniences for
dan kenyamanan bertransaksi customers when performing banking
bagi nasabah. transactions.


Main Highlights
Management Reports
Company Profile
Risk Management
Operational Review
Pencapaian komposisi dana murah Retail Banking mencapai Total Asset Under Management (AUM) wealth
52,2%
Retail Banking achieved a composition of low-cost funds totalling management dari produk investasi dan bancassurance
mengalami peningkatan dibandingkan dengan tahun
10,3%
sebelumnya sebesar
dari total simpanan.

of total deposits.
Total Asset Under Management (AUM) of wealth

management from investment products and
bancassurance increased by 10.3% compared to the
previous year.
Produk-produk dan layanan yang termasuk di dalam unit bisnis Products and services included in the Consumer Banking
Consumer Banking adalah produk simpanan, pinjaman konsumen business unit are savings products, consumer loans (mortgages,
(kredit pemilikan rumah, kartu kredit, kredit tanpa agunan atau KTA credit cards, personal loans or PL and motor vehicle, consumer
dan pembiayaan kendaraan bermotor, consumer durable goods dan durable goods, multipurpose financing through indirect consumer
multiguna melalui beragam skema indirect consumer financing), financing schemes, wealth management (mutual funds, bonds
wealth management (reksadana, obligasi dan bancassurance). and bancassurance). All these products and services can be easily
Seluruh produk dan layanan tersebut dapat diakses dengan mudah accessed through branch offices and the latest digital services
melalui kantor-kantor cabang dan layanan digital terkini (PermataNet, (PermataNet, PermataMobile X, Navigator, Permata e-Form and
PermataMobile X, Navigator, Permata e-Form dan lain-lain). others).
Produk-produk dan layanan PermataBank dirancang sesuai PermataBank’s products and services are designed to meet
kebutuhan nasabah (customer centric) dan karakteristik nasabah. customer needs (customer centric) and customer characteristics.
Karena itulah nasabah Consumer Banking dikategorikan menjadi For this reason, Consumer Banking customers are categorized
tiga segmen yaitu Priority, Preferred dan Personal di mana untuk into three segments, that is Priority, Preferred and Personal, where
setiap segmen nasabah ini disediakan produk dan layanan yang for each segment, appropriate products and services are provided.
sesuai.
Kinerja unit bisnis Consumer Banking dapat dilihat dari jumlah The performance of the Consumer Banking business unit can be
dana pihak ketiga (DPK) yang dikumpulkan, kredit yang seen from the amount of third-party funds (DPK) raised and loans
disalurkan dan kualitasnya. Hingga berakhirnya tahun buku 2019, disbursed. As of end of fiscal year 2019, total Consumer Banking
total simpanan Consumer Banking mencapai Rp91,69 triliun dan savings reached Rp91.69 trillion and the composition of low-cost
komposisi dana murah dipertahankan di atas 50%. funds was maintained above 50%.

Consumer Banking
Consumer Banking
Jumlah penyaluran kredit juga menunjukkan kinerja yang cukup The amount of loans disbursed also showed a reasonably good
baik di tahun 2019. Total kredit yang disalurkan Consumer performance in 2019. Total loans disbursed by Consumer Banking
Banking mencapai Rp63,83 triliun hingga Desember 2019, yang reached Rp63.83 trillion as of December 2019, which consisted
terdiri dari 56,5% consumer lending dan 43,5% SME lending. of 56.5% consumer lending and 43.5% SME lending.
Secara lebih rinci, total pengucuran kredit menunjukkan kinerja yang To provide further details, the good performance in total loan
baik didorong oleh beberapa bisnis, seperti pengucuran pinjaman pada disbursement was driven by several businesses, such as the loan
Usaha Kecil dan Menengah (UKM) atau Small Medium Enterprises disbursement to Small and Medium Enterprises (SMEs) which
(SME) yang mencapai Rp4,1 triliun, volume drawdown Kredit Pemilikan totalled Rp4.1 trillion, mortgage volume drawdown of Rp5.8 trillion,
Rumah (KPR) sebesar Rp5,8 triliun, pembiayaan kendaraan bermotor motor vehicle financing through an indirect consumer financing
melalui skema indirect consumer financing sebesar Rp10 triliun, dan scheme of Rp10 trillion, and Personal Loans (PL) of Rp2.8 trillion.
Kredit Tanpa Agunan (KTA) sebesar Rp2,8 triliun.
PRODUK DANA PIHAK KETIGA DEPOSIT PRODUCTS

(FUNDING) (FUNDING)
Produk Dana Pihak Ketiga (DPK) sangat penting dalam Deposit products have an important role in providing sustainable
menyediakan dana yang berkelanjutan untuk meningkatkan funding to increase the Bank’s ability to offer loan facilities with
kemampuan Bank dalam memberikan fasilitas pinjaman dengan competitive rates.
suku bunga kompetitif.
PermataBank telah melakukan beragam inovasi produk, layanan, PermataBank has developed a variety of innovations in products,
serta kampanye pemasaran untuk mendukung pencapaian services and marketing campaigns to support the Bank to maintain
komposisi dana murah di atas 50% dari total dana simpanan. Karena the low-cost funds ratio to remain above 50% of total deposits. For
itulah, Retail Banking berusaha menjangkau nasabah seluas-luasnya this reason, Retail Banking seeks to reach customers supported
yang didukung oleh jaringan cabang PermataBank yang tersebar di by PermataBank’s branch network in 62 cities in Indonesia and
62 kota di Indonesia dan dukungan layanan channel digital. digital channel services.
Pada tahun 2019, terdapat serangkaian inisiatif dan pengembangan In 2019, a series of initiatives and developments were executed
yang dilakukan untuk memperkuat proposisi produk Dana Pihak to strengthen Third Party Funds (TPF) products focusing on the
Ketiga (DPK) yang berfokus pada pertumbuhan dana murah growth of low-cost funds (savings and current accounts) and
(tabungan dan giro) dan untuk memberikan solusi transaksional to provide transactional solutions for individuals as well as SME
bagi nasabah individual maupun SME: customers:
1. Transformasi dan inovasi channel digital untuk meningkatkan 1. Digital channels transformation and innovation to increase the
kemudahan pembukaan rekening dan kenyamanan ease and convenience of opening an account and performing
bertransaksi bagi nasabah. banking transactions for customers.
2. Peluncuran AirAsia Debit Card yang merupakan kerja sama 2. Launch AirAsia Debit Card, a co-branding collaboration
co-branding dengan AirAsia di mana AirAsia Debit Card with AirAsia, where AirAsia Debit Card is connected to
terhubung dengan produk PermataTabungan AirAsia. Produk PermataTabungan AirAsia. This new product provides
baru ini memberikan keistimewaan bagi nasabah seperti privileges for customers such as faster BIG Points collection
pengumpulan BIG Points yang lebih cepat saat bertransaksi when performing transactions at AirAsia website, mobile
di website, aplikasi mobile AirAsia dan juga untuk transaksi application and also for daily transactions. In addition, this new
harian. Selain itu, produk baru ini juga memberikan berbagai product also provides various facilities for customers’ banking
kemudahan untuk transaksi perbankan nasabah. transactions.


Main Highlights
Management Reports
Company Profile
Risk Management
Operational Review
3.
Kampanye pemasaran #SayangUangnya untuk 3. #SayangUangnya marketing campaign for PermataTabungan
PermataTabungan Bebas yang mengajak masyarakat agar Bebas that invites people to be more diligent in saving their
lebih rajin menabung. money.
4. Program promosi berkesinambungan PermataTabungan 4. PermataTabungan Bebas program promotion, a 5% cashback
Bebas yaitu cashback 5% di seluruh supermarket dan toko at all supermarkets and online stores as well as 10% cashback
online serta cashback 10% di SPBU. at gas stations.
5. Fitur produk yang menarik bagi segment millenial dari 5. Provides attractive product features for the millennial segment
tabungan PermataME yaitu cashback 10% untuk transportasi for PermataME savings account, that is 10% cashback for
online, 20% di toko online dan 30% di coffee shop dan online transportation, 20% in online stores and 30% in coffee
bioskop di seluruh Indonesia. shops and cinemas throughout Indonesia.
6. Program penawaran beragam pilihan hadiah pasti dan tanpa 6. Program that offers a variety of direct gifts for customers with
diundi kepada nasabah yang menabung dalam jangka waktu regular deposit in certain amount and period. This program is also
tertentu, sekaligus sebagai bentuk edukasi kepada nasabah intended to educate customers to be more disciplined in saving
untuk disiplin menabung melalui produk PermataMasa DEPAN. their money through PermataMasa DEPAN savings product.
7. Layanan Payroll yang memberikan paket unggulan yang 7. Payroll facilities that provides special package for employees
menarik bagi karyawan yang membuka rekening Payroll, that open Payroll account, the privileges include free cash
dengan keistimewaan berupa gratis tarik tunai di ATM mana withdrawal fee at any ATM, no annual fee for PermataBank
saja, gratis iuran tahunan Kartu Kredit PermataBank, suku Credit Card, competitive interest rate for PermataKPR, lower
bunga yang lebih kompetitif untuk PermataKPR, biaya administration fee and competitive interest rate for PL with
administrasi yang ringan dan suku bunga kompetitif untuk KTA slogan “Jangan Biarkan Gajimu Numpang Lewat”.
dengan slogan “Jangan Biarkan Gajimu Numpang Lewat”.
Selain berbagai inisiatif dan pengembangan yang disebutkan In addition to the above initiatives and developments,
di atas, PermataBank juga memiliki pencapaian penting lainnya PermataBank is the first bank in Indonesia that provides securities
yaitu merupakan bank yang pertama di Indonesia yang melayani account opening, digitally. In 2018, PermataBank entered into
pembukaan rekening efek nasabah secara digital. Pada tahun a strategic partnership with PT IndoPremier Sekuritas where
2018, Bank melakukan kerja sama strategis dengan PT IndoPremier PermataBank as the provider of customer fund accounts (sub
Sekuritas di mana PermataBank sebagai penyedia Rekening Dana account) introduced the latest breakthrough of digital securities
Nasabah (RDN) hadir dengan inovasi terbaru menyederhanakan account opening process. With this process, customer wet
proses pembukaan rekening efek saham dan reksadana secara signature is no longer needed for the stock and mutual fund
digital, tanpa memerlukan tanda tangan basah calon investor. securities account opening. Previously, the process of opening
Dengan proses terbaru ini, cukup memerlukan waktu kurang dari 1 securities account could take several days, with this latest digital
jam untuk pembukaan rekening efek saham dan reksadana di mana process, customer can open stock and mutual fund securities
sebelumnya memerlukan waktu beberapa hari. Terobosan baru ini account in less than 1 hour. This process creates conveniences for
memudahkan calon investor untuk melakukan transaksi efek. customer in performing securities transactions.
Bank menyadari, di era digital ini, kemudahan dalam melakukan In this digital era, the ease of conducting transactions is very
transaksi merupakan hal yang sangat penting bagi nasabah. important for customer. For this reason, PermataBank consistently
Karena itulah, Bank secara konsisten melakukan pengembangan develops various digital facilities and services that can be
berbagai fasilitas dan layanan digital yang dapat dinikmati enjoyed by customer, one of which is by simplifying the account
oleh nasabah, salah satunya dengan mempermudah proses opening process as mentioned above and also improving the
pembukaan rekening seperti yang disebutkan di atas dan juga required infrastructure to support customer transactions. Thus,
meningkatkan infrastruktur pendukung transaksi sehingga customer can perform transactions more efficiently. Continuous
nasabah dapat bertransaksi dengan lebih efisien. Berbagai developments are also executed to enhance PermataMobile X

Consumer Banking
Consumer Banking
layanan yang dapat diakses oleh nasabah melalui PermataMobile services and features that are available for customers, including
X juga terus dikembangkan antara lain termasuk pendaftaran products and services registration through PermataMobile X.
produk dan layanan melalui PermataMobile X.
Bersamaan dengan itu, kampanye pemasaran yang In addition, PermataBank conducted a continuous marketing
berkesinambungan senantiasa dijalankan oleh PermataBank campaign where PermataBank encourages people to save
dengan mengajak masyarakat agar lebih rajin menabung melalui money through PermataTabungan Bebas’ #SayangUangnya
program #SayangUangnya untuk PermataTabungan Bebas dan program and also through PermataME’s #CountMEin program
program #CountMEin untuk produk tabungan PermataME. Bank where PermataBank invites millennials to be able to save money
mengajak para milenial untuk menabung tanpa ketinggalan gaya while still keeping up with a fun and up-to-date lifestyle.
hidup yang fun dan eksis.
Dalam rangka ulang tahun yang pertama PermataME dan In relations to PermataME first anniversary and to increase brand
meningkatkan brand recognition, di tahun 2019 ini PermataBank recognition, in 2019, PermataBank launch the Limited Edition
juga meluncurkan kartu debit PermataME limited edition “ME X PermataME Debit Card – ME X GLOW in a very limited amount:
GLOW” dalam jumlah yang sangat terbatas yaitu 2.019 kartu. only 2,019 cards. This card generated an extraordinary response,
Peluncuran kartu ini memberikan respons yang luar biasa, hanya so much that within less than two months, the ME X GLOW card
dalam waktu kurang dari dua bulan kartu ME X GLOW telah habis. was sold out.
Selama tahun 2019, PermataBank juga kembali menggunakan During 2019, PermataBank still uses the thematic campaign with
kampanye tematik dengan tagar #BicaraUang yang bertujuan hashtag #BicaraUang to renew the mindset of Indonesian society
untuk mengedukasi pembaharuan pola pikir (mindset) masyarakat about money. Through #BicaraUang movement, PermataBank
Indonesia mengenai uang. Melalui gerakan #BicaraUang, is determined to break the misperception that exists in society
PermataBank bertekad untuk mendobrak mispersepsi yang ada in order to provide a better understanding about financial for
di masyarakat demi memberikan pemahaman seputar keuangan Indonesian society.
bagi masyarakat Indonesia.
Kampanye tersebut juga menjadi bagian penting dari misi This campaign is also an important part of the regulator’s mission
regulator untuk menciptakan cashless society. Karena itulah, to create a cashless society. For this reason, the use of debit cards
penggunaan kartu debit dan channel digital dalam transaksi and digital channels for transactions is very important to support
menjadi sangat penting agar upaya tersebut dapat terwujud. the achievement of the mission. For PermataBank, this marketing
Bagi PermataBank, kampanye pemasaran ini diharapkan ikut campaign is expected to help increase customer awareness and
meningkatkan customer awareness dan loyalitas nasabah Bank. loyalty of the Bank’s customers.
Dalam rangka meningkatkan jumlah nasabah, Bank juga menjalin In order to increase the number of customers, the Bank also
kerja sama dengan mitra-mitra bisnis ternama, seperti yang telah cooperates with reputable business partners as mentioned above,
disebutkan di atas, misalnya kerja sama dengan PT IndoPremier for example with PT IndoPremier Sekuritas and also co-branding
Sekuritas maupun kerja sama co-branding dengan AirAsia melalui collaboration with AirAsia through the launch of AirAsia Cards,
peluncuran AirAsia Cards yaitu AirAsia Platinum Credit Card dan that is, the AirAsia Platinum Credit Card and the AirAsia Debit
AirAsia Debit Card yang terhubung dengan PermataTabungan Card that is connected to the PermataTabungan AirAsia savings
AirAsia. product.
Hingga berakhirnya tahun buku 2019, pencapaian komposisi At the end of the 2019 Fiscal Year, Retail Banking achieved a
dana murah Retail Banking mencapai 52,2% dari total simpanan. composition of low-cost funds totalling 52.2% of total deposits.


Main Highlights
Management Reports
Company Profile
Risk Management
Operational Review
WEALTH MANAGEMENT WEALTH MANAGEMENT

PermataBank menawarkan berbagai produk Wealth Management PermataBank offers a variety of Wealth Management products
antara lain produk-produk proteksi dan investasi. Beberapa produk including various insurance products and other investment
proteksi antara lain asuransi jiwa tradisional, unit link dan asuransi products. Various insurance products offered include traditional
kerugian. Sementara produk investasi yang ditawarkan seperti life insurance, unit links and general insurance. While investment
Reksadana dan Obligasi Pemerintah. products offered include Mutual Funds and Government Bonds.
Produk-produk dan layanan wealth management yang ditawarkan Wealth management products and services are continuously
oleh PermataBank senantiasa dirancang khusus untuk memberikan developed to provide financial solutions for customers. For
solusi keuangan bagi nasabah. Produk-produk tersebut terus the development of these products, PermataBank establishes
dikembangkan melalui kemitraan dengan berbagai manajer investasi partnerships with various well known investment managers and
dan perusahaan asuransi ternama di Indonesia. insurance companies in Indonesia.
Beberapa produk Reksadana yang ditawarkan meliputi Reksadana Some Mutual Funds products offered include Capital Protected
Terproteksi, Reksadana Terbuka konvensional dan syariah. Sementara Mutual Funds, Conventional and Shariah Open End Mutual
dari Produk Obligasi yang dijual adalah Obligasi Pemerintah pasar Funds. While the Bond Products sold are primary and secondary
perdana dan pasar sekunder. Aktivitas berinvestasi nasabah akan market Government Bonds. Customer investment activities will
lebih mudah dengan fasilitas transaksi melalui PermataNet dan be easier with transaction facilities through PermataNet and
PermataMobile X yang dinamakan eMutualFund untuk fasilitas PermataMobile X called eMutualFund for Online Mutual Fund
transaksi Reksadana Online, eBond untuk fasilitas transaksi Obligasi transaction facilities, eBond for online Secondary Market Bond
Pasar Sekunder secara online dan SBN Ritel Online untuk transaksi transaction facilities and Online Retail SBN for Government
Obligasi Pemerintah Pasar Perdana. Produk asuransi yang ditawarkan Primary Market Bond transactions. Insurance products offered
antara lain produk asuransi unit link dan produk asuransi tradisional include unit-linked insurance products and other traditional
lainnya yang meliputi asuransi individu dan asuransi kumpulan untuk insurance products which include individual and group
perlindungan terhadap jiwa, kecelakaan diri, kesehatan, penyakit insurance for life, personal accident, health, critical illness and
kritis dan perlindungan lainnya, dan juga produk asuransi grup untuk other protection products, and also group insurance products
segmen SME banking. Khususnya untuk produk bancassurance, for the SME banking segment. Specifically for bancassurance
Astra Life merupakan mitra strategis PermataBank sejak tahun 2014, products, Astra Life has been a strategic partner of PermataBank
produk-produk bancassurance yang dikembangkan bersama Astra since 2014, bancassurance products developed with Astra Life
Life, memberikan kontribusi yang signifikan terhadap perkembangan have made a significant contribution to the development of
bisnis wealth management Bank. Dan khusus untuk produk the Bank’s wealth management business. And specifically for
bancassurance berbasis Syariah, saat ini PermataBank menjalin Shariah-based bancassurance products, currently PermataBank
kemitraan dengan PT Avrist Assurance, melalui produk endowment has a partnership with PT Avrist Assurance, through endowment
yang ditawarkan melalui cabang Syariah. products offered in Syariah branch.
Produk baru wealth management yang ditawarkan di tahun 2019, In 2019, the Bank offered new wealth management products,
antara lain produk asuransi unit link premi berkala tipe hybrid. Produk including hybrid regular premium unit link insurance product.
ini memberikan manfaat perlindungan jiwa yang dilengkapi dengan This product provides life protection benefit complemented by
pilihan dana investasi sesuai dengan profil risiko nasabah dan pilihan investment options in accordance to customer’s risk profile as well
asuransi tambahan yang bervariasi serta bonus loyalitas mulai tahun as options for various insurance riders and a loyalty bonus start
ke-6 sampai dengan tahun ke-10. Selain itu, Bank juga menawarkan from the 6th year until the 10th year. Moreover, the Bank also offers
penambahan pilihan dana investasi pada produk unit link dengan additional investment options for unit link insurance products in
mata uang USD. USD currency.

Consumer Banking
Consumer Banking
Sejalan dengan visi PermataBank untuk menyediakan one stop In line with PermataBank’s vision to provide a one stop financial
financial solution, pada tahun 2019, PermataWealth Management solution, in 2019, PermataWealth Management once again
kembali memberikan inovasi baru lewat hadirnya WM Link yang provides new innovation through the presence of WM Link which
merupakan fasilitas pinjaman rekening koran (overdraft) dengan is an overdraft loan facility with collateral in the form of an open-
jaminan berupa produk investasi reksadana terbuka (open- ended mutual fund investment product and government bonds.
ended mutual fund) dan obligasi pemerintah. Inovasi WM Link ini WM Link innovation is expected to provide easy access to short-
diharapkan dapat memberikan kemudahan akses likuiditas jangka term liquidity without redeeming the ownership of the customer’s
pendek tanpa mencairkan kepemilikan produk investasi nasabah, investment product, so that the customers still has the potential to
sehingga nasabah masih berpotensi mendapatkan keuntungan dari benefit from their investment.
investasinya.
Pertumbuhan positif bisnis wealth management selama ini didukung The positive growth of the wealth management business is
oleh berbagai strategi dan inovasi yang dilakukan, di antaranya supported by a variety of strategies and innovations, including
transformasi digital yang dilakukan secara terus-menerus oleh the ongoing digital transformation performed by the Bank. The
Bank. Pengembangan saluran distribusi alternatif melalui fasilitas development of alternative distribution channels through digital
digital dimulai dengan pengembangan layanan bagi nasabah untuk facilities that was first developed for customers to conduct their
melakukan transaksi investasi melalui PermataNet, diawali dengan investment transactions through PermataNet, starting with mutual
transaksi reksadana (eMutualFund) di tahun 2016 dan transaksi funds transactions (eMutualFund) in 2016 and bond transactions
obligasi (eBond) di tahun 2017 di mana PermataBank merupakan (eBond) in 2017 in which PermataBank was the first bank in
bank pertama di Indonesia yang menyediakan layanan transaksi Indonesia that provides bonds (secondary government bonds)
produk obligasi (secondary government bonds) melalui internet. transaction facility through the internet.
Pengembangan layanan wealth management dilakukan lebih lanjut Wealth management services was further developed through
di platform mobile banking, sejak tahun 2018 nasabah juga dapat the mobile banking platform, which since 2018, customers can
melakukan transaksi investasi baik produk reksadana maupun perform investment transactions, both mutual funds as well as
obligasi melalui aplikasi PermataMobile X. bond transactions through PermataMobile X application.
Salah satu pencapaian istimewa unit bisnis wealth management One of the highlighted achievements of wealth management
adalah penunjukan PermataBank di tahun 2018 oleh Direktorat Surat business was the appointment of PermataBank in 2018 by
Utang Negara, Kementerian Keuangan sebagai salah satu mitra the Directorate of Government Debt Securities, the Ministry
distribusi Bank yang menyediakan online bonds transaction platform of Finance as one of the distribution bank partners to provide
untuk primary government bonds. Pencapaian ini turut melengkapi online bonds transaction platform for primary government bonds.
digital journey bisnis wealth management PermataBank yang This appointment has also complemented the digital journey
juga akan semakin dikembangkan ke depannya dengan fasilitas of PermataBank’s wealth management business which will be
eBancassurance. further developed with eBancassurance facility.
Selain itu, untuk memberikan pelayanan terbaik bagi nasabah, Moreover, to provide the best services for customers, PermataBank
PermataBank senantiasa melakukan sertifikasi bagi tenaga ensures that the wealth management marketing representatives
pemasaran produk-produk wealth management antara lain sertifikasi are certified, this includes Broker-Dealer Representatives
Wakil Perantara Pedagang Efek Pemasaran (WPPE-P) bagi seluruh (WPPE-P) certification for all marketing personnel in order to carry
tenaga pemasaran agar dapat melakukan aktivitas sebagai Perantara out activities as a Securities Broker-Dealer for Debt and Sukuk
Pedagang Efek untuk Efek Bersifat Utang dan Sukuk (PPE-EBUS). Securities (PPE-EBUS).


Main Highlights
Management Reports
Company Profile
Risk Management
Operational Review
Untuk memberikan kemudahan dan kenyamanan bagi nasabah In order to provide conveniences for customers in performing
dalam bertransaksi serta meningkatkan daya saing produk wealth transactions as well as to increase the competitiveness of
management, Bank memanfaatkan multi channel yang dimiliki yaitu its wealth management products, various Bank channels are
melalui kantor-kantor cabang (baik melalui Relationship Manager available for customers such as branch offices (both through
maupun Customer Service), jalur penjualan telemarketing serta Relationship Managers and Customer Service), telemarketing
fasilitas channel digital melalui PermataNet dan PermataMobile X sales channel and digital channel facilities through PermataNet
dalam memasarkan produk-produk wealth management kepada and PermataMobile X.
nasabah.
Untuk meningkatkan brand awareness dan mengoptimalkan To increase brand awareness and optimize wealth management
aktivitas wealth management, Bank secara rutin menyelenggarakan activities, the Bank regularly organizes a variety of interesting
beragam acara menarik dan informatif bagi nasabah dan publik. Salah and informative events for customers and the public. One of the
satu event tahunan Bank adalah Wealth Wisdom yang merupakan signature events of the Bank is the annual Wealth Wisdom event.
signature event PermataBank.
Hingga berakhirnya tahun buku 2019, total Asset Under As of end of fiscal year 2019, total Asset Under Management
Management (AUM) wealth management dari produk investasi (AUM) of wealth management from investment products and
dan bancassurance mengalami peningkatan sebesar 10,3% bancassurance increased by 10.3% compared to the previous
dibandingkan dengan tahun sebelumnya. Peningkatan ini didukung year. This increase was supported by the growth of investment
oleh pertumbuhan produk investasi yaitu produk reksadana dan products, that is mutual funds and bonds products by 11.6% and
obligasi sebesar 11,6% dan juga pertumbuhan produk bancassurance also the growth of bancassurance products by 3% compared to
sebesar 3% dibandingkan dengan tahun sebelumnya. the previous year.
KREDIT PEMILIKAN RUMAH MORTGAGE LOANS

Di tahun 2019, PermataBank menawarkan beragam produk In 2019, PermataBank offered a variety of innovative and
Kredit Pemilikan Rumah (KPR) yang inovatif dan kompetitif demi competitive mortgage loan products to meet all customer needs.
memenuhi segala jenis kebutuhan nasabah. Produk-produk The products include PermataKPR Keluarga, PermataKPR Bijak,
yang dimaksud, antara lain PermataKPR Keluarga, PermataKPR PermataHome Ready Cash, PermataKPR Fixed Installments
Bijak, PermataHome Ready Cash, PermataKPR Cicilan Tetap and PermataKPR IB in the form of Murabahah, IMBT (Ijarah
dan PermataKPR iB dengan bentuk akad Murabahah, IMBT Muntahiyyah Bi At-Tamlik) and MMQ (Musyarakah Mutanaqishah).
(Ijarah Muntahiyyah Bi At-Tamlik) dan MMQ (Musyarakah PermataKPR Bijak and KPR iB MMQ Bijak are the leading and the
Mutanaqishah). Produk PermataKPR Bijak dan KPR iB MMQ main product chosen by customers which contributed to 59% of
Bijak merupakan produk unggulan dan menjadi pilihan nasabah total mortgage disbursement in 2019.
dengan memberikan kontribusi 59% dari total penyaluran KPR di
tahun 2019.
PermataBank senantiasa melakukan berbagai upaya dan inovasi PermataBank continues to perform various innovations to develop
untuk mengembangkan lini bisnis KPR. Sejalan dengan kebijakan its mortgage business. In line with the relaxation policy in the
relaksasi di bidang properti yang dikeluarkan oleh Bank Indonesia, property sector by Bank Indonesia that is the relaxation of loan
yaitu relaksasi rasio loan to value untuk kredit properti, rasio to value ratio for property financing and the financing to value
financing to value untuk pembiayaan properti dan uang muka ratio for property financing and the down payment for motor

Consumer Banking
Consumer Banking
untuk kredit atau pembiayaan kendaraan bermotor (Peraturan vehicle financing (Bank Indonesia Regulation (PBI) No.20 / 8 /
Bank Indonesia (PBI) No.20/8/PBI/2018 yang dikeluarkan tanggal PBI / 2018 issued on August 1, 2018), PermataBank also adjusted
1 Agustus 2018), PermataBank juga menyesuaikan kebijakan the mortgage policy related to loan to value/financing, based on
di lini bisnis KPR antara lain kebijakan terkait besaran loan to property type, usage type and customer segment.
value/financing yang disesuaikan dengan tipe properti, jenis
penggunaan dan segmen nasabah.
Selain itu, kebijakan relaksasi tata cara penilaian agunan dan In addition, the policy relaxation for collateral appraisal and
keringanan Pajak Penjualan Barang Mewah (PPnBM) memberikan relief of Sales Tax on Luxury Goods (PPnBM) provided another
peluang bagi pengembang untuk kembali memasarkan properti opportunity for developers to market the properties to the upper
bagi segmen menengah ke atas. Begitu juga bagi investor untuk middle segment. Likewise, it allows for investors to invest in the
berinvestasi di sektor properti. Kebijakan-kebijakan tersebut di property sector. This policies relaxation mentioned above have
atas meningkatkan gairah di sektor properti. increased the appetite for the property sector.
Kinerja tahun 2019 didukung oleh berbagai strategi dan inovasi The 2019 performance was supported by various strategies and
yang telah diterapkan oleh Bank, di antaranya adalah menerapkan innovations implemented by the Bank such as the strategy to
strategi untuk tetap berfokus pada primary housing market dan focus on primary housing market by forming new partnerships
terus menambah kerja sama baru dengan para pengembang with reputable developers in Indonesia and to deepen its
atau developer ternama dengan reputasi baik di Indonesia dan cooperations with existing developer partners. Bank also offers
memperdalam kerja sama dengan mitra pengembang yang mortgage bundling program to manage the competitive interest
telah ada. Bank juga menawarkan program bundling KPR untuk rate or pricing in the mortgage loan market. Through this bundling
menyiasati suku bunga atau pricing yang kompetitif di pasar KPR, program, customers can benefit from lower interest rate while the
melalui program bundling ini, nasabah bisa mendapatkan manfaat Bank can still generate income from the other products offered as
suku bunga yang murah sedangkan Bank tetap mendapatkan bundling, which are, insurance, credit card and savings account.
pendapatan dari produk lainnya yang ditawarkan secara bundling,
yaitu asuransi, kartu kredit dan rekening tabungan.
Bank juga memberikan penawaran alternatif produk KPR bagi Alternative mortgage product are also offered for customers,
nasabah, yaitu PermataHome Ready Cash dengan keistimewaan namely PermataHome Ready Cash with a grace period of 1 year
grace period selama 1 tahun dan pembayaran bunga sesuai and interest payment in accordance with the use of credit facility.
dengan pemakaian fasilitas kredit. Keistimewaan ini memberikan This privilege makes it easier for customers who want to invest in
kemudahan bagi nasabah yang ingin berinvestasi di sektor the property market while still managing their finances. In addition,
properti dalam mengatur keuangannya. Beragam produk KPR various conventional and shariah mortgage products are still
konvensional dan syariah lainnya juga tetap ditawarkan, sehingga offered, so customers have a variety of alternative products to
nasabah memiliki berbagai alternatif produk sesuai kebutuhan. choose from.
Selain itu, Bank juga menawarkan kemudahan cicilan hingga Moreover, the Bank also offers installment of up to 24 months
24 bulan untuk pembayaran biaya KPR dengan kartu kredit for mortgage fee payment with PermataBank credit card and
PermataBank dan memberikan transparansi bunga bagi nasabah providing interest rate transparency for customers by referring to
dengan mengacu kepada Sertifikat Deposito Bank Indonesia the 12-month Bank Indonesia Deposit Certificate (SDBI) or Bank
(SDBI) ataupun Sertifikat Bank Indonesia Syariah (SBIS) 12 bulan Indonesia Syariah Certificate (SBIS) for the applicable floating
untuk penerapan bunga floating. interest rate.


Main Highlights
Management Reports
Company Profile
Risk Management
Operational Review
Di tengah persaingan penyaluran KPR yang semakin ketat, Amidst the tight mortgage business competition, PermataBank
PermataBank berhasil mencatatkan peningkatan dalam managed to record an increase in new lending disbursement. As of
penyaluran kredit baru. Hingga berakhirnya tahun buku 2019, end of fiscal year 2019, new lending disbursement has amounted
total penyaluran kredit baru mencapai Rp5,8 trilliun. Dibandingkan to Rp5.8 trillion This is an increase of 7.5% compared to 2018
dengan tahun 2018 yang sebesar Rp5,4 triliun, telah mengalami which was Rp5.4 trillion. Portfolio quality was well maintained with
peningkatan 7,5%. Kualitas portofolio tetap terjaga dengan baik 1.16% net NPL. This is in line with one of PermataBank’s focuses,
dengan tingkat net NPL 1,16%. Hal ini sejalan dengan salah satu to manage mortgage portfolio performance through regular and
fokus PermataBank yaitu pengelolaan kinerja portofolio KPR stringent monitoring on delinquent accounts and continuous
melalui pemantauan yang ketat secara berkala untuk delinquent evaluation on existing policies and procedures to improve bank’s
accounts dan secara kontinu melakukan evaluasi kebijakan dan risk mitigation.
prosedur yang berlaku untuk meningkatkan mitigasi risiko bank.
Pertumbuhan positif bisnis ini juga didukung oleh pemberian The positive growth of this business was also supported
keputusan kredit yang lebih cepat yang salah satunya didukung by providing faster credit decisions through the Mortgage
oleh inovasi Mortgage Paperless Processing. Dengan inovasi Paperless Processing innovation. With this innovation, the
ini, Bank dapat memproses permohonan KPR dengan lebih Bank processes mortgage applications and provides decisions
cepat dan juga memberikan keputusan kredit lebih cepat dari faster by eliminating the waiting time for the receipt of the
sebelumnya. Hal ini dilakukan dengan mengeleminasi waiting hard copy of the mortgage application at head office. The
time dalam menunggu pengiriman hard copy aplikasi KPR ke branch staff upload the mortgage application to the system
kantor pusat di mana staf cabang mengunggah aplikasi KPR ke so that the credit analysis process is carried out immediately.
sistem sehingga proses analisa kredit bisa segera dilakukan. Going forward, digital services in the mortgage business line
Ke depannya, layanan digital di lini bisnis KPR akan terus will continue to be developed by accelerating the approval
dikembangkan demi memberikan customer experience yang process and providing convenience for customers in obtaining
terbaik bagi nasabah antara lain dalam mempercepat proses information. These initiatives are developed in order to provide
persetujuan dan memberikan kemudahan bagi nasabah dalam to provide the best customer experience.
memperoleh informasi.
Selain itu, pertumbuhan positif juga didukung oleh tim mortgage In addition, the positive growth was also supported by competent
sales yang kompeten. Selama tahun 2019, bisnis KPR telah mortgage sales team. During 2019, mortgage business has
mempersiapkan SDM dan infrastruktur pendukungnya untuk prepared the fulfillment of human resources and supporting
mempertahankan kinerja bisnis yang baik serta menghadapi infrastructure to maintain good business performance as well as
persaingan pasar. to face market competition.
INDIRECT CONSUMER INDIRECT CONSUMER

FINANCING FINANCING
PermataBank bekerja sama dengan perusahaan-perusahaan PermataBank cooperates with multifinance companies to provide
pembiayaan (multifinance) untuk memberikan dana pembelian automotive, consumer durable goods and multipurpose financing.
kendaraan bermotor, barang-barang konsumtif dan multiguna. Kerja Among them are PT Astra Sedaya Finance (ASF), PT Federal
sama tersebut di antaranya dijalin dengan PT Astra Sedaya Finance International Finance (FIF) PT Toyota Astra Financial Services
(ASF), PT Federal International Finance (FIF) dan PT Toyota Astra (TAF), Mandiri Utama Finance (MUF) and PT Home Credit
Financial Services (TAF), Mandiri Utama Finance (MUF), PT Home Indonesia (HCI).
Credit Indonesia (HCI).

Consumer Banking
Consumer Banking
Hingga berakhirnya tahun buku 2019, total volume drawdown bisnis As of the end of the 2019 financial year, Indirect Consumer
Indirect Consumer Financing mencapai Rp10 triliun. Pencapaian Financing’s volume drawdown reached Rp10 trillion. This
ini didukung oleh sejumlah inisiatif strategis yang direalisasikan achievement was supported by a number of strategic initiatives
sepanjang tahun 2019, antara lain mempererat dan memperdalam executed during 2019, including strengthening and deepening
kerja sama dengan existing partners seperti dengan FIF, ASF, TAF, cooperation with existing partners such as FIF, ASF, TAF, MUF,
MUF, dan HCI di antaranya dengan melakukan program pembiayaan and HCI by offering financing programs that were more diverse
yang lebih beragam dari tahun-tahun sebelumnya. Selain itu, Bank than in previous years. Further, the Bank also increased the joint
juga meningkatkan joint financing volume dengan high yield partners financing volume with high yield partners and also explored
dan juga melakukan penjajakan kerja sama dengan mitra-mitra cooperation with new business partners. This collaboration with
bisnis baru. Kerja sama yang dijalin dengan perusahaan-perusahaan multifinance companies is carried out while still maintaining sound
pembiayaan (multifinance) ini dijalankan dengan tetap menjaga risk management and prudential principles.
prinsip pengelolaan risiko yang baik serta mempertahankan unsur
kehati-hatian dalam melakukan pembiayaan bersama.
KREDIT TANPA AGUNAN PERSONAL LOAN

Kredit Tanpa Agunan (KTA) adalah pinjaman tunai untuk Personal Loan (PL) is an unsecured loan for consumer financing
pembiayaan konsumen maksimal Rp300 juta dengan jangka to a maximum of Rp300 million and with loan payment period
waktu pinjaman mulai 3 hingga 60 bulan. Selain menawarkan KTA ranging from 3 to 60 months. In addition to offering PL with a short
dengan jangka waktu pinjaman yang pendek, PermataBank juga tenor, PermataBank also offers innovative products to answer
menawarkan produk inovatif untuk menjawab kebutuhan nasabah payroll customer needs for PL products. These innovative PL
payroll terhadap produk KTA. Berbagai produk KTA inovatif ini products are offered by PermataBank to keep up with the current
ditawarkan oleh PermataBank agar tetap bersaing dengan tren trend in loan products.
produk pinjaman saat ini.
Untuk memberikan kemudahan dan kenyamanan bagi nasabah, To provide convenience and comfort, customer can apply for PL
PermataBank menyediakan proses pengajuan KTA melalui through PermataMobile X where the entire application process can
aplikasi PermataMobile X di mana seluruh proses pengajuan be completed online. Starting from filling out the application form,
dapat dilakukan secara online. Mulai dari pengisian formulir, uploading required documents and also credit approval process
proses unggah dokumen hingga persetujuan kredit dilakukan are all processed through PermataMobile X. Therefore, customers
melalui PermataMobile X. Dengan demikian, nasabah dapat can save time because they do not need to go to PermataBank
menghemat waktu karena tidak perlu lagi ke kantor cabang branch or send the required documents because verification can
PermataBank atau mengirimkan dokumen-dokumen terkait untuk be completed via video call. With PermataMobile X, customers
pengajuan karena verifikasi cukup dilakukan melalui video call. can also view PL information, such as the installment amount,
Dengan PermataMobile X, nasabah juga dapat melihat informasi payment due date, outstanding loan amount, and their loan
pinjaman KTA yang dimiliki seperti besarnya jumlah cicilan, payment history.
tanggal jatuh tempo, sisa pinjaman yang masih berjalan, serta
mutasi pembayaran atas pinjaman tersebut.
Selain itu, untuk nasabah terpilih dapat menerima penawaran In addition, selected customers can receive PL offers through
KTA melalui ATM PermataBank. Pencairan dana dilakukan melalui PermataBank ATMs. Disbursement of funds is done through ATM
ATM dan hanya memerlukan waktu 15 menit setelah nasabah and completed within 15 minutes upon customer’s confirmation.
memberikan persetujuan.


Main Highlights
Management Reports
Company Profile
Risk Management
Operational Review
Untuk mendukung kinerja Bank, selain inovasi pengajuan KTA In addition to innovative PL application submission through
melalui PermataMobile X, pencairan dana KTA melalui ATM PermataMobile X, disbursement of PL funds through PermataBank
PermataBank bagi nasabah terpilih, dan inisiatif akuisisi melalui ATM for selected customers, and acquisition initiatives via e-forms
e-form yang tersedia di website PermataBank, sejumlah strategi available on PermataBank website, a number of strategies were
juga direalisasikan pada tahun 2019 untuk mengembangkan also realized in 2019 to develop the PL business, including:
bisnis KTA, antara lain:
• Bank melakukan kerja sama strategis dengan mitra fintech • Form strategic cooperation with reputable fintech partners in
ternama dalam rangka meningkatkan pertumbuhan volume order to increase volume growth and market penetration.
dan penetrasi pasar.
• Kerja sama dengan pihak ketiga dalam proses akuisisi • Cooperation with third parties in acquiring customers through
nasabah melalui jalur digital, misalnya dengan portal digital channels, for example, with the portal tokopedia.com,
tokopedia.com, cekaja.com, cermati.com dan akan terus cekaja.com, cermati.com and will also be extended to other
dikembangkan dengan portal-portal bereputasi lainnya. reputable portals.
• Mengoptimalkan pendapatan melalui skema pendapatan • Optimizing revenue through better revenue schemes,
yang lebih baik, antara lain dari fee based income. including from fee based income.
• Selain itu, strategi pemasaran yang dilakukan oleh Bank • In addition to the above, the marketing strategy implemented
adalah senantiasa meningkatkan pelayanan bagi nasabah is to continuously improve services for customers by providing
dengan memberikan kecepatan, kemudahan, dan ketepatan a fast, convenient and accurate loan approval process,
proses persetujuan kredit, terutama untuk nasabah yang especially for customers who have other products with the
memiliki produk lain di Bank, seperti tabungan dan kartu Bank, such as savings and credit cards.
kredit.
Hingga berakhirnya tahun buku 2019, bisnis KTA mengalami As of end of 2019 financial year, sales volume of PL business has
pertumbuhan volume penjualan sebesar 84% dari Rp1,5 triliun di grown by 84% from Rp1.5 trillion in 2018 to Rp2.8 trillion.
tahun 2018 menjadi Rp2,8 triliun.
KARTU KREDIT CREDIT CARD

PermataBank memberikan berbagai kemudahan bagi nasabah PermataBank provides various facilities for customers and their
dan keluarganya dalam menjalankan aktivitas sehari-hari seperti families in carrying out daily activities such as shopping for daily
untuk pembelanjaan kebutuhan harian, groceries, liburan, dan needs, groceries, vacation, and lifestyle through a variety of credit
gaya hidup melalui beragam produk kartu kredit yang disediakan. card products.
PermataBank senantiasa melakukan inovasi dalam PermataBank constantly innovates and develops credit card
pengembangan produk kartu kredit, termasuk pengembangan products, including the development of sales channels to
kanal-kanal penjualan untuk mengakuisisi nasabah. Pada tahun acquire customers. In 2019, one of the new developments was
2019, salah satu kegiatan baru yang dilakukan adalah membuka a co-branding partnership with AirAsia through the launch of the
kerja sama co-branding dengan AirAsia melalui peluncuran AirAsia Platinum Credit Card.
AirAsia Platinum Credit Card.
Demi memberikan customer experience terbaik bagi nasabah, In order to provide the best customer experience, digital
pengembangan di bidang digital juga terus dilakukan. Saat ini, developments are executed continuously. Currently, customers
nasabah dapat menikmati inovasi layanan kartu kredit melalui can enjoy the innovation of credit card services through
fasilitas mobile banking PermataBank, yaitu PermataMobile X. PermataBank’s mobile banking facility, that is, PermataMobile X.

Consumer Banking
Consumer Banking
Melalui PermataMobile X, nasabah dapat mengakses informasi Through PermataMobile X, customers can access online the
transaksi kartu kredit secara online. Nasabah juga dapat detailed credit card transactions information. Customers can also
mengubah transaksi menjadi cicilan, mengajukan kenaikan limit convert transactions into installments, propose temporary limit
sementara dan juga menikmati kemudahan mengajukan kartu increases and also enjoy the convenience of applying for credit
kredit, kartu kredit tambahan maupun kartu kredit PermataBank cards, additional credit cards or other types of PermataBank credit
jenis lainnya. cards.
Berikut ini sejumlah strategi yang direalisasikan di tahun 2019 The following are the strategies realized in 2019 to support the
untuk mendukung kinerja lini bisnis kartu kredit: performance of the credit card business:
• Mengoptimalkan inisiatif cross selling produk kartu kredit ke • Optimizing credit card cross selling initiatives to PermataBank
nasabah PermataBank. customers.
• Membuka channel akuisisi baru penjualan kartu kredit melalui • Opening a new acquisition channel for credit card sales
channel digital dan kerja sama co-brand dengan mitra bisnis through digital channels and co-brand cooperation with
ternama. reputable business partners.
• Mengoptimalkan pendapatan melalui skema pendapatan • Optimizing income through better income schemes, including
yang lebih baik, antara lain dari fee based income. fee-based income.
• Secara konsisten melakukan transformasi dan inovasi • Performing digital transformations and innovations
digital yang meningkatkan kemudahan dan kenyamanan consistently to increase the ease and convenience of
bertransaksi bagi nasabah antara lain pengajuan produk kartu transactions for customers, including the submission of credit
kredit melalui fasilitas digital Bank. card applications through the Bank’s digital facilities.
Selain itu, kerja sama kemitraan dengan Hero Group melalui In addition, the partnership with Hero Group through a co-brand
co-brand card yang telah memasuki tahun ke-7 senantiasa card has entered its 7th year. This card provides a variety of
memberikan beragam keistimewaan untuk pengeluaran rutin privileges for customers and their families routine spending.
keluarga nasabah.
PermataBank memiliki berbagai produk-produk kartu kredit yang PermataBank has a complete range of credit card products to
lengkap untuk melayani kebutuhan berbagai segmen nasabah, serve the needs of various customer segments, including:
antara lain:
1. PermataBlackWorld MasterCard 1. PermataBlackWorld MasterCard

PermataBlackWorld MasterCard, kartu kredit premium PermataBlackWorld MasterCard, is a premium credit card
yang ditawarkan kepada nasabah terpilih dengan berbagai offered to selected customers with various privileges, such
keistimewaan, seperti nilai tukar mata uang yang kompetitif as competitive exchange rates and exclusive discounts at
dan diskon eksklusif di berbagai merchant ternama. various well-known merchants.
2. PermataHero Card (Classic, Gold dan 2. PermataHero Card (Classic, Gold and
Platinum) Platinum)
PermataHero Card, kartu kredit yang memberikan manfaat PermataHero Card, is a credit card that provides superior
unggulan berupa diskon dan berbagai cashback menarik benefits in the form of discounts and various attractive
untuk pengeluaran rutin seperti belanja rumah tangga cashback for routine expenses such as household spending,
khususnya dalam jaringan grup Giant, Hero dan Guardian. especially within the Giant, Hero and Guardian group
networks.


Main Highlights
Management Reports
Company Profile
Risk Management
Operational Review
3. PermataReward Card (Classic, Gold, 3. PermataReward Card (Classic, Gold,

Titanium dan Platinum) Titanium and Platinum)
PermataReward Card, kartu kredit yang memberikan manfaat PermataReward Card, is a credit card that provides more
lebih dalam menikmati liburan atau perjalanan dan waktu benefits for enjoying holidays or trips and leisure time in the
luang berupa perolehan poin rewards yang menarik untuk form of attractive rewards points for various travel transactions
berbagai transaksi perjalanan seperti transaksi penerbangan, such as airlines, hotel, travel, and overseas transactions.
hotel, perjalanan, dan transaksi di luar negeri.
4. PermataShopping Card (Titanium dan 4. PermataShopping Card (Titanium and

Platinum) Platinum)
PermataShopping Card, kartu kredit yang memberikan PermataShopping Card, is a credit card that provides various
banyak keuntungan dalam mendukung gaya hidup berupa lifestyle benefits in the form of attractive rewards points for
poin rewards yang menarik untuk transaksi di groceries, transactions at groceries, department stores, and various
department store dan berbagai merchant yang bekerja sama. merchants partners.
5. AstraWorld PermataCard 5. AstraWorld PermataCard

AstraWorld PermataCard, kartu kredit yang memberikan AstraWorld PermataCard, is a credit card that provides more
manfaat lebih untuk pengguna kendaraan bermotor seperti benefits for motorized vehicle users such as cashback and
cashback dan diskon untuk pembelian suku cadang atau discounts for spareparts or services transactions at all Astra
layanan di seluruh bengkel resmi Astra. authorized workshops.
6. AirAsia Platinum Credit Card 6. AirAsia Platinum Credit Card

AirAsia Platinum Credit Card, kartu kredit co-branding AirAsia Platinum Credit Card, is a co-brand credit card with
dengan AirAsia yang memberikan berbagai keistimewaan AirAsia that provides various privileges such as faster BIG
seperti pengumpulan BIG Points lebih cepat di mana ekstra Points accumulation where extra BIG Points are awarded
BIG Points diberikan untuk transaksi di situs dan mobile for AirAsia website and mobile application transaction. BIG
aplikasi AirAsia. BIG Points juga dapat dikumpulkan dari Points can also be collected from other shopping transactions
transaksi pembelanjaan lainnya, di mana saja. Pemegang anywhere. AirAsia Platinum Credit Card holders can also enjoy
AirAsia Platinum Credit Card juga dapat menikmati priority priority booking during AirAsia promos. Another privilege
booking pada saat promo AirAsia. Keistimewaan lainnya is the automatic membership status upgrade to AirAsia BIG
adalah upgrade status keanggotaan secara otomatis menjadi Platinum member that provides priority check in, Priority
anggota AirAsia BIG Platinum yang memberikan fasilitas Check-in, Priority Boarding, and Xpress Baggage facilities.
Priority Check-in, Priority Boarding, Xpress Baggage.
Sepanjang tahun 2019, bisnis kartu kredit mencatatkan Throughout 2019, the credit card business recorded revenue
pendapatan sebesar Rp364 miliar dan total kartu kredit of Rp364 billion and total credit cards issued reached around
keseluruhan mencapai sekitar 457 ribu kartu. Strategi untuk 457 thousand cards. The strategy to improve portfolio quality
meningkatkan kualitas portofolio yang dijalankan di tahun 2019 implemented in 2019 has succeeded in maintaining the level of
berhasil mempertahankan tingkat net NPL di 0,37%. net NPL at 0.37%.

Consumer Banking
Consumer Banking
NATIONAL NON BRANCH NATIONAL NON BRANCH

SALES SALES
Untuk semakin memperluas jangkauan kepada nasabah dan calon To further expand its reach to customers and prospective
nasabah, selain melalui jaringan kantor cabang, PermataBank juga customers, in addition to the branch office network, PermataBank
melakukan penjualan produk melalui jaringan non-branch atau also sells products through the non-branch network, known as the
disebut unit kerja National Non Branch Sales (NNBS). National Non Branch Sales (NNBS) unit.
Unit NNBS menjalankan aktivitas pemasaran dan distribusi The NNBS unit carries out marketing and distribution activities
produk dan jasa PermataBank kepada nasabah perorangan of PermataBank’s products and services to individual and
maupun perusahaan. Hal itu dilakukan melalui layanan Permata@ corporate customers. The activities are done through Permata @
Work, telesales, Virtual Relationship Manager (VRM) dan Work, telesales, Virtual Relationship Managers (VRM) and sales
tenaga penjual untuk Business Installment Loan, produk-produk agents for Business Installment Loans, various types of savings
tabungan yang tersedia di PermataMobile X, berbagai jenis kartu products that are available in PermataMobile X, various types of
kredit PermataBank dan juga produk KTA. PermataBank credit cards and also PL product.
Unit Permata@Work fokus melayani penjualan produk dan Permata @Work Unit focuses in offering Bank products and
layanan Bank kepada nasabah perusahaan di mana pemasaran services to corporate customers such as payroll products, credit
dilakukan dengan menjalin kerja sama dengan perusahaan cards, personal Loan (PL), mortgage, bancassurance, e-Channel
tersebut untuk menawarkan berbagai produk dan layanan Bank services as well as other Bank products and services to employees
seperti produk payroll, kartu kredit, KTA, KPR, bancassurance, of the company.
layanan e-Channel maupun produk dan layanan Bank lainnya
kepada karyawan di perusahaan bersangkutan.
Untuk mendorong pertumbuhan bisnis, Permata @Work To encourage business growth, NNBS conducted a variety of
melakukan berbagai strategi dan inisiatif NNBS, di antaranya: strategies and initiatives, including:
• Mempertajam target akuisisi nasabah perusahaan dan • Sharpening corporate customer acquisition target and
mendorong aktivitas akuisisi nasabah perusahaan baru encouraging the acquisition of new corporate customers
melalui program penjualan dan segmen pasar yang tepat. through appropriate sales programs and market segments.
• Mempererat dan memperdalam hubungan dengan existing • Strengthening and deepening relationships with existing
payroll customers. payroll customers.
• Menyempurnakan penawaran produk dan materi komunikasi • Improving product offerings and communication materials
dengan menekankan pada keuntungan bagi nasabah untuk by emphasizing on the benefits for customers to use payroll
penggunaan rekening payroll seperti bebas biaya tarik tunai di accounts such as free cash withdrawals at other bank ATMs.
ATM bank lain.
• Fokus untuk memperluas kerja sama dengan grup Astra • Focusing on expanding cooperation with Astra group and the
serta perusahaan-perusahaan di dalamnya, terutama untuk companies in it, especially for the company’s payroll needs.
kebutuhan payroll perusahaan.
• Selalu meningkatkan kompetensi karyawan melalui pelatihan • Improving employee competency through appropriate
yang sesuai. training.
• Mengembangkan channel akuisisi untuk melakukan cross • Developing acquisition channels to cross sell consumer
selling produk-produk consumer lending. lending products.


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2019 Annual Repor t

2019 Annual Repor t

Di tahun 2019, perjalanan transformasi digital PermataBank

Laporan Tahunan 2019 Annual Report

2 PT Bank Permata Tbk

PT Bank Permata Tbk 3

and Analysis Proyeksi 2020 | Projections 2020 287

Laporan Tahunan 2019 Annual Report

4 PT Bank Permata Tbk

Laporan Tahunan 2019 Annual Report

PT Bank Permata Tbk 5

Fungsi Kepatuhan | Compliance Function 577

Laporan Tahunan 2019 Annual Report

6 PT Bank Permata Tbk

Ikhtisar Kinerja 2019

Rasio Keuangan (%) - Pertumbuhan dengan Kinerja yang Kuat

KPMM ROE ROA

110 bps yoy

2018 2019 2018 2019

Pertumbuhan Pinjaman dengan Portofolio Aset Sehat

Kredit - Bruto (Rp Triliun) NPL

160 bps yoy

NPL Neto | NPL Net

Laporan Tahunan 2019 Annual Report

PT Bank Permata Tbk 7

Pertumbuhan Profitabilitas - dengan Peningkatan Berkelanjutan

Laba bersih | Net Profit

2018 2019 2018 2019

Laporan Tahunan 2019 Annual Report

8 PT Bank Permata Tbk

Consolidated Statements of Financial

Laporan Laba Rugi dan Penghasilan Consolidated Statements of Profit or

Laporan Tahunan 2019 Annual Report

PT Bank Permata Tbk 9

Rasio Keuangan Financial Ratios

NPL-bruto 2,8% 4,4% 4,6% NPL-gross

NPL-neto 1,3% 1,7% 1,7% NPL-net

1. a. Persentase Pelanggaran BMPK 1. a. Percentage of Violation of Legal Lending Limit

i. Pihak terkait 0,0% 0,0% 0,0% i. Related parties

b. Persentase Pelampauan BMPK b. Percentage of Excess of Legal Lending Limit

i. Pihak terkait 0,0% 0,0% 0,0% i. Related parties

2. Giro Wajib Minimum (GWM) 2. Minimum Reserve Requirement

Laporan Tahunan 2019 Annual Report

10 PT Bank Permata Tbk

Jumlah Saham yang Diterbitkan 28.042.739.205 28.042.739.205 28.042.739.205 28.042.739.205

Harga Saham Tertinggi 1.280 1.030 1.170 1.425

Harga Saham Terendah 595 770 780 950

Harga Saham Penutupan 960 780 1.110 1.265

Kapitalisasi Pasar (Rp) 26.651.819.340.480 21.654.603.214.140 30.816.166.112.430 35.119.324.443.445

Volume Perdagangan 6.112.719.900 1.446.030.000 3.002.561.100 3.009.575.500

Jumlah Saham yang Diterbitkan 28.042.739.205 28.042.739.205 28.042.739.205 28.042.739.205

Harga Saham Tertinggi 695 655 610 670

Harga Saham Terendah 575 480 460 438

Harga Saham Penutupan 585 580 500 620

Kapitalisasi Pasar (Rp) 16.240.952.410.605 16.102.140.851.540 13.881.155.906.500 17.212.633.324.060

Volume Perdagangan 738.498.600 965.687.600 703.458.000 709.590.400

Penghentian Sementara Perdagangan Saham Temporary Suspension of Stock Trading or

Laporan Tahunan 2019 Annual Report

PT Bank Permata Tbk 11

Pergerakan Harga dan Volume Perdagangan Saham 2018-2019

Harga Saham Volume Harga Saham Volume