Established on February 15, 1956, Bank Resona Perdania (“Bank”) began its operations on February 1, 1958. Bank Resona Perdania is the first joint venture bank in Indonesia which is a concrete representation of the commitment between Indonesia and Japan in enhancing economic cooperation, particularly in the banking sector.
Throughout its history, the Bank has undergone several name changes. In 1994, Bank Perdania changed its name to Daiwa Perdania Bank. Later in 1999, the Bank again changed its name to Bank Daiwa Perdania. In 2003, the Bank changed its name to Bank Resona Perdania up to now.
Over the time, the Bank's services kept evolving. In February 1969, the Bank officially operated as a foreign exchange bank. Currently, the Bank has a variety of financial solution products and services, including lending, funding, treasury, import, export, bank guarantees, and other banking transaction activities.
Business Activities Based on Articles of Association
In performing its business activities in the banking industries, the Bank adheres to its Articles of Association. According to Article 3 of the Articles of Association, the Bank as a Conventional Commercial Bank may engage in the following business activities:
a. To gather funds from the public, either in the form of current accounts, time deposits, certificates of deposit, saving accounts and/or other similar forms, either in Rupiah or foreign currency;
b. To grant loans, either long term, medium term or short term loans or other form of loans which are customarily granted in banking practice;
c. To issue acknowledgment of debt;
d. To purchase, sell or guarantee for its own account or for the account and/or upon the order of its clients:
i. Drafts, including drafts accepted by banks, having maturity not exceeding those customarily issued in the trade of such instruments;
ii. Acknowledgement of debt and other commercial papers having maturities not exceeding those customarily issued in the trade of such instruments;
iii. Government treasury papers and government bonds;
iv. Certificates of Bank Indonesia (SBI);
v. Bonds;
vi. Promissory notes having a duration of up to 1 (one) year;
vii. Other negotiable instruments having a duration of up to 1 (one) year;
e. To transfer funds, either for its own account or for the account of clients;
f. To place funds with, to borrow funds from, or to lend funds to, other banks, either in writing, by telecommunication facilities or bearer drafts, cheques or other means;
g. To receive payment of negotiable instruments and to make settlement with or among third parties;
h. To provide space for deposit of goods or securities;
i. To act as custodian for the interest of other parties pursuant to a contract;
j. To place funds with other customers in the form of negotiable instruments listed at the stock exchange;
k. To purchase collaterals, partially or entirely through collateral auction in the event a borrower fails to perform its obligations to the bank, provided that such collateral must be resold in a short period;
l. To be engaged in factoring, credit cards and trusteeship;
m. To conduct operations in foreign exchange;
n. To act as founder and manager of pension funds in accordance with prevailing laws and regulations on pension funds, either as founder of employer pension fund or as founder and/or participant of financial institution pension fund;
o. To issue all kinds of documentary credits and bank guarantees;
p. To make investment in the capital of other banks or finance companies, such as leasing companies, venture capital, securities companies, insurance, clearing, and guarantee institutions and settlement and custodian institutions;
q. To temporarily participate in the share capital of companies as a result of problem loans, provided that such participation shall be withdrawn;
r. To perform agency and cooperation activities, consisting of activities as sales agent of mutual funds, State Treasury Securities, bancassurance, business referral, distribution and integration, payment point and other agency and cooperation activities; and
s. To perform other activities, to the extent not in violation of the applicable banking law and other prevailing laws.
Business Activities during 2024
As stipulated in the Bank’s Article of Association in Article 3, the Bank carried out business activities as stated in points a, b, d (i, ii, iii, iv, v), e, f, g, h, m, o, p, r, and s described above.
Controlling Shareholders at a Glance
Resona Bank, Ltd.
Resona Bank, Limited. (“Resona Bank”) was established on May 15, 1918 and has its headquarter in Japan. The major shareholder of Resona Bank is Resona Holding, Inc. with 100% ownership. As of March 31, 2024, Resona Bank’s total asset amounted to JPY43.64 trillion. Resona Bank’s currently has office networks consisting of 324 branch offices spread across several regions in Japan as well as 4 representative offices located in other countries. Resona Bank is engaged in providing financial products and services to retail and corporate customers.
The Bank of Yokohama, Ltd.
The Bank of Yokohama, Ltd. was officially established on December 16, 1920 and has its head quarter in Yokohama, Kanagawa Prefecture, Japan. The Bank of Yokohama, Ltd. is a subsidiary of Concordia Financial Group, Ltd. with 100% share ownership. As of March 31, 2024, the total asset owned by The Bank of Yokohama, Inc. amounted to JPY21.8 trillion. To this date, The Bank of Yokohama, Ltd. has 202 branch offices and 4 sub-branch offices spread across Japan. In addition, The Bank of Yokohama, Ltd. also has 2 branch offices located in Shanghai and Singapore, as well as 3 representative offices in overseas.
Competitive Advantage of the Bank
2024 marked Bank Resona Perdania’s 66 years of operation in the Indonesian Banking Industries. Throughout six decades, the Bank managed to solidify its existence in maintaining fundamental business, while adopting sustainable business principles that elevate the Bank’s values and also helps the Bank proliferate benefits to both customers and stakeholders. While the industries demand more complexities and competition, the Bank is able to thrive with the following competitive advantages, as follows:
- Extensive knowledge and understanding of the local market based on a long history in the Indonesian market economy.
- Extensive knowledge and understanding of the Japanese market and culture supported by the advantages of controlling shareholders namely Resona Bank, Ltd. (the 4th largest bank in Japan) and The Bank of Yokohama, Ltd. (the biggest regional bank in Japan).
- Focus on local Indonesian companies and Japanese companies that enable the Bank to act as an intermediary both from existing businesses and creating new businesses between customers or prospective customers.
- Independent Management which enables fast and flexible decision making.
- Have a good and long-term relationship with customers through a dedicated personal approach.
- Extensive network in Indonesia as a Japanese bank. The office network is spread across several strategic cities and industrial areas, namely: Jakarta, Surabaya, Bandung, Cikarang, MM2100,Karawang and Deltamas.