About Perdania

Bank Resona Perdania (“the Bank”) was established on February 15, 1956, and commenced effective operations on February 1, 1958. Bank Resona Perdania is the first joint venture bank in Indonesia, exemplifying the collaborative efforts between Indonesia and Japan to enhance economic cooperation, particularly within the banking sector.

Throughout its history, the Bank has undergone several name changes. In 1994, Bank Perdania changed its name to Daiwa Perdania Bank. In 1999, the Bank changed its name again to Bank Daiwa Perdania. Then in 2003, the name was changed to Bank Resona Perdania to this time.

Over the time, the Bank has expanded its service offerings. Since February 1969, the Bank has officially functioned as a foreign exchange bank. Currently, the Bank provides a diverse range of financial solutions, including lending, funding, treasury, imports, exports, bank guarantees, and various other banking transactions.


Based on Article 3 of the Bank’s Articles of Association,the purpose and objective of the Bank are to conduct business as a Conventional Commercial Bank. In pursuit of this purpose and objective, the 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 debt instruments;
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. Debt instruments 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, in public 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, business referral, distribution and integration bancassurance, payment point and other agency and cooperation activities;
s. To perform other activities, to the extent not in violation of the applicable banking law and other laws and regulations.


As stated in Article 3 of the Articles of Association of Bank Resona Perdania, 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, and r described above.



Resona Bank, Ltd (“Resona Bank”), was officially established in 1918, has its headquarters in Japan. As a part the Resona Group, one of Japan’s largest banking groups, Resona Bank specializes in delivering financial products and services to both retail and corporate customers. Presently, Resona Bank boasts an extensive branch office network spanning various regions in Japan, complemented by representative office networks abroad. As of 2023, Resona Bank is positioned as the 11th largest bank in Japan and holds the 115th rank globally among the largest banks, basedon data obtained from the Bankers Almanac.


Established in 1920, The Bank of Yokohama, Ltd. is headquartered in Yokohama, Kanagawa, Japan. Operating as a subsidiary of Concordia Financial Group, Ltd., the Bank of Yokohama is the largest regional bank in Japan. With anextensive presence, the bank boasts a network comprising 202 branch offices, 4 sub-branch offices, and 408 ATMs throughout Japan. Furthermore, The Bank of Yokohama, Ltd. extends its reach with 2 branch offices in Shanghai and Singapore, along with 3 representative offices abroad. In 2023, The Bank of Yokohama, Ltd. placed the 20th position in Japan and ranked 216th globally, according to data sourced from the Bankers Almanac


The Bank consistently contributes to the economic development of Indonesia by providing the best financial products and services. Until now, the Bank continues to grow better with 6 (six) 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 and The Bank of Yokohama,Ltd.
  • 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.