About Perdania

Bank Resona Perdania has been effectively operating since February 1, 1958. Bank Resona Perdania is the first joint venture bank in Indonesia, which is clear proof of the efforts of Indonesia and Japan in increasing economic cooperation, especially in the banking sector.

Over time, the Bank’s services continue to develop. In February 1969, the Bank officially operated as a foreign exchange bank. The bank has undergone several name changes, in 1994, Bank Perdania changed to Daiwa Perdania Bank. In 1999, the Bank again changed its name to Bank Daiwa Perdania. Then in 2003, it changed its name to Bank Resona Perdania(hereinafter referred to as Bank) until the present.

The Bank has various financial solution products and services, including lending, funding, treasury, import, export, bank guarantee and other banking transaction activities.

Based on Article 3 of the Bank's Articles of Association, the purposes and objectives of the Bank is to carry out business as a Foreign Exchange Private Commercial Bank. To achieve the purposes 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 valuable papers;
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 the field of factoring, credit cards and trusteeship;
m. To operate in the field of 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 extend not in violation of the applicable banking law and other laws and regulations.

Business activities based on the Articles of Association carried out during 2022 are listed in points a, b, d (i, ii, iii, iv), e, f, g, h, m, o, p, and r as referred in Article 3 of the Bank Resona Perdania’s Articles of Association described above.

Founded in 1918 and headquartered in Japan, Resona Bank, Ltd. (“Resona Bank”) is engaged in providing financial products and services for retail and corporate customers. Resona Bank, is part of the Resona Group, one of the largest banking groups in Japan. Until now, Resona Bank’s branch network is spread across several regions in Japan and also has several representative office networks overseas. In 2022, Resona Bank was ranked 8th in Japan and ranked 93th in the category of the largest bank in the world based on data obtained from Bankers Almanac.

The Bank of Yokohama, Ltd. was founded in 1920 and headquartered in Yokohama, Kanagawa, Japan. As a subsidiary company of Concordia Financial Group, Ltd., The Bank of Yokohama, Ltd. is the largest regional bank in Japan with a network of 202 branch offices, 4 sub-branch offices, and 432 ATMs throughout Japan. In addition, The Bank of Yokohama, Ltd. also has 2 branch offices located in Shanghai, China and Singapore, as well as 3 representative offices overseas. In 2022, The Bank of Yokohama, Ltd. was ranked 12th in Japan and ranked 157th in the world based on data from Bankers Almanac.

The Bank always contributes to Indonesia’s economic development through the highest quality financial products and services. The Bank continues to grow better with 4 (four) competitive advantages:

  1. Extensive knowledge and understanding of local markets based on the long history of the Indonesian market economy.
  2. Extensive knowledge and understanding ntrolling shareholders, namely Resona Bank, Ltd (the 4th largest bank in Japan) and The Bank of Yokohama,Ltd (the largest regional bank in Japan).
  3. 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.
  4. Independent Management which enables fast and flexible decision making.
  5. Have a good and long-term relationship with customers through a dedicated personal approach.
  6. 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.

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.