Profile of Bank Rakyat Indonesia: the largest and eldest bank in Indonesian banking industry

Dengan nilai aset lebih dari Rp 1.000 trilyun, BRI menjadi bank terkaya di Indonesia, mengalahkan Bank Mandiri, sejak Nov. 2014

Pada awalnya Perseroan didirikan di Purwokerto, Jawa Tengah oleh Raden Aria Wirjaatmadja dengan nama De Poerwokertosche Hulp en Spaarbank der Inlandsche Hoofdeen atau Bank Bantuan dan Simpanan Milik Kaum Priyayi yang Berkebangsaan Indonesia (pribumi). Bank ini berdiri pada tanggal 16 Desember 1895, yang kemudian dijadikan sebagai hari kelahiran Bank BRI.

Pada periode setelah kemerdekaan RI, berdasarkan Peraturan Pemerintah No. 1 tahun 1946 Pasal 1 disebutkan bahwa Perseroan adalah Bank Pemerintah pertama di Republik Indonesia. Dengan adanya perang mempertahankan kemerdekaan pada tahun 1948, kegiatan Bank BRI sempat terhenti untuk sementara waktu dan baru mulai aktif kembali setelah perjanjian Renville pada tahun 1949 dengan berubah nama menjadi Bank Rakyat Indonesia Serikat.

Pada waktu itu, melalui PERPU No. 41 tahun 1960, dibentuk Bank Koperasi Tani dan Nelayan (BKTN) yang merupakan peleburan dari Bank BRI, Bank Tani Nelayan dan Nederlandsche Maatschappij (NHM). Kemudian berdasarkan Penetapan Presiden (Penpres) No. 9 tahun 1965, BKTN diintergrasikan ke dalam Bank Indonesia dengan nama Bank Indonesia Urusan Koperasi Tani dan Nelayan.

Setelah berjalan selama satu bulan, Pemerintah mengeluarkan Penetapan Presiden No. 17 Tahun 1965 tentang pembentukan bank tunggal dengan nama Bank Negara Indonesia. Dalam ketentuan baru itu, Bank Indonesia Urusan Koperasi, Tani dan Nelayan (dahulu BKTN) diintegrasikan dengan nama Bank Negara Indonesia Unit II bidang Rural, sedangkan NHM menjadi Bank Negara Indonesia Unit II bidang Ekspor Impor (Exim).

Berdasarkan Undang-undang No. 14 Tahun 1967 tentang Undang-undang Pokok Perbankan dan Undang-undang No. 13 Tahun 1968 tentang Undang-undang Bank Sentral, Bank Indonesia dikembalikan fungsinya sebagai Bank Sentral, dan Bank Negara Indonesia Unit II Bidang Rural dan Ekspor Impor dipisahkan masing-masing menjadi dua bank yaitu Bank Rakyat Indonesia dan Bank Ekspor Impor Indonesia.

Selanjutnya berdasarkan Undang-undang No. 21 tahun 1968, tugas-tugas pokok Perseroan sebagai Bank Umum ditetapkan kembali. Sejak disahkan berdasarkan Undang-undang No. 21 Tahun 1968 tanggal 18 Desember 1968, maka berdasarkan Pasal 45 Undang undang No. 14 Tahun 1967 tanggal 30 Desember 1967 tentang Perbankan jo. Pasal 55 Undang-undang No. 7 Tahun 1992 tanggal 25 Maret 1992 sebagaimana telah diubah dengan Undang-undang No. 10 Tahun 1998 tentang Perbankan, Perseroan dapat menjalankan kegiatan usahanya di bidang perbankan.

Berdasarkan Undang-undang Perbankan No. 7 Tahun 1992 dan Peraturan Pemerintah RI No. 21 Tahun 1992 status Perseroan berubah menjadi PT Bank Rakyat Indonesia (Persero) dan 100% sahamnya masih dimiliki oleh Negara Republik Indonesia.

Perubahan Perseroan menjadi PT Bank Rakyat Indonesia (Persero) tersebut dituangkan dalam Akta Pendirian No. 133 tanggal 31 Juli 1992, yang dibuat dihadapan Muhani Salim, S.H., Notaris di Jakarta, yang telah mendapat pengesahan Menteri Hukum dan Hak Asasi Manusia (dahulu Menteri Kehakiman) berdasarkan Surat Keputusan No. C2-6584.HT.01.01.TH.92 tanggal 12 Agustus 1992, dan telah didaftarkan dalam buku register pada Kantor Pengadilan Negeri Jakarta Pusat dibawah No. 2155/1992 pada tanggal 15 Agustus 1992, serta telah diumumkan dalam Berita Negara Republik Indonesia No. 73 tanggal 11 September 1992, Tambahan No. 3A.

Akta pendirian yang di dalamnya memuat anggaran dasar telah mengalami beberapa kali perubahan. Perubahan anggaran dasar untuk disesuaikan dengan Undang-undang No. 40 Tahun 2007 tentang Perseroan Terbatas dan Peraturan BAPEPAM dan LK No. IX.J.1 tanggal 14 Mei 2008 tentang Pokok-Pokok Anggaran Dasar Emiten Yang Melakukan Penawaran Umum Efek Bersifat Ekuitas Dan Perusahaan Publik dimuat dalam Akta Pernyataan Keputusan Rapat Umum Pemegang Saham No. 51 tanggal 26 Mei 2008 dibuat dihadapan Fathiah Helmi, S.H., Notaris di Jakarta, yang telah mendapat persetujuan Menteri Hukum Dan Hak Asasi Manusia berdasarkan Surat Keputusan No. AHU-48353.AH.01.02.Tahun 2008 tanggal 6 Agustus 2008, dan telah diumumkan dalam Berita Negara Republik Indonesia No. 68 tanggal 25 Agustus 2009, Tambahan No. 23079.

Setelah Akta No. 51 tanggal 26 Mei 2008 tersebut, anggaran dasar Perseroan telah mengalami beberapa kali perubahan. Perubahan terakhir adalah berdasarkan Akta No. 1 tanggal 1 April 2015 dibuat dihadapan Fathiah Helmi, S.H., yang pemberitahuan perubahannya telah diterima dan dicatat dalam database Sistem Administrasi Badan Hukum Kementerian Hukum Dan Hak Asasi Manusia berdasarkan Surat No. AHU-AH.01.03-0054353 tanggal 8 April 2015.

Per 31 Desember 2016, Perseroan memiliki 1 kantor pusat, 19 kantor wilayah, 467 kantor cabang (termasuk 4 unit kerja luar negeri), 609 kantor cabang pembantu, 984 kantor kas, 3.180 Teras dan Teras Keliling BRI dan 5.380 BRI Unit serta 3 Teras Kapal yang tersebar di seluruh Indonesia.


Contents i
List of Tables v
List of Figures vii

Some Background 1
The Authentication and Authorisation 2
How this report proceeds and gets distinguished 3

Asset Bubble 5
Window Dressing 6
The Danger of Asset Reclassification 7

BRI’s financial profile in briefs 9

BRI’s Financial Highlights 11
Income Statement 16
Balance Sheet 17
Cash Flow 18

Financial Performance 19
The Total Assets 19
Earning Assets 19
Third Party’s Funds 20
Loans 20
Equity 21

Profit Making 22
Revenues 22
Operating Profit, Net 22
Earnings Before Tax 23
Earnings After Tax 23
Retained Earnings 24

Profit Profile 25

Liability Profile 27
Financial Structure 28
Third Party Funds Profile 30
Fund Borrowings Profile 31
Bonds Issued 34

Stock Performance 35
Market Capitalisation 35
Share Price 35
Stock Trading 36
Investors’ Preferences 39

Financial Ratios 40
Stock price ratios 40
Liquidity 41
Profitability 42

The Shareholders 45

Subsidiaries 47
BRI Syariah 47
BRI Agro 48
BRI Remittance 49
BRI Life 50
BRI Finance 51

Associated Entities 52

Transactions with Related Companies 53

The Analysts 59

Corporate Profile 60
Milestones 61
e-channels 62
Branch and Regional Offices 62
Head Office 62
Special Branch Office 62
Overseas Branch Offices 62
Regional Offices 63
Office of Subsidiaries 64
Banking Divisions 65

Organisation Structure 67

Management Profile 68
Board of Commissioners 69
Andrinof Achir Chaniago 70
(Mustafa Abubakar) 70
Gatot Trihargo 71
Ahmad Fuad Rahmany 71
(Ahmad Fuad) 72
Nicolaus Teguh Budi Harjanto 73
Adhyaksa Dault 73
A. Sonny Keraf 74
Vincentius Sonny Loho 74
Jeffry Jefta Wurangian 75
Mahmud 75

Secretary to the Board of Commissioners 77

Committees of BoC 78
Nomination and Remuneration Committee (NRC) 78
Audit Committee 78
Risk Management Monitoring Committee (RMOC) 80
Integrated Governance Committee (KTKT) 81

Board of Directors 84
Suprajarto 86
(Asmawi Syam) 86
Sunarso 86
Donsuwan Simatupang 87
Haru Koesmahargyo 87
Kuswiyoto 88
Mohammad Irfan 88
Priyastomo 88
Randi Anto 89
Sis Apik Wijayanto 89
Susy Liestiowaty 90
Indra Utoyo 90
(Zulhelfi Abidin) 90

Senior Executive Vice President (SEVP) Profiles 92
Irianto Sunardi 92
Adi Setyanto and Bardiyono Wiyatmojo 92
(Saptono Siwi) 92
Hexana Tri Sasongko 93
Supari 93
Agus Noorsanto 93

Corporate Secretary 94

Investor Relations 94

Senior Executive Profiles 95
Head, IT Planning & Development Division 95
Head, Investment Service Division 95
Head, Risk Management Division 95
Head, Corporate Development & Strategy Division 95
Head, Outsourcing Management Division 95
Head, International Business Division 95
Head, Micro Business Development 2 95
Head, Micro Business Policy & Strategy Division 95
Head, Fixed Assets Management Property 95
Head, Credit Risk & Analysis Division 95
Head, SOE Business 1 Division 95
Head, Treasury Division 96
Head, Procurement Division 96
Head, Transaction Banking Division 96
Head, SOE Business 2 Division 96
Head, Finance & Accounting Management Division 96
Head, Digital Banking Operation Division 96
Head, Institutional Banking 2 Division 96
Head, Loan Program & Partnership Division 96
Head, General Business Division 96
Head, Agribusiness Division 96
Head, Consumer Loan Division 96
Head, SME & Medium Business Division 96
Head, Institutional Banking 1 Division 97
Head, Wealth Management Division 97
Head, Restructuring & Recovery Credit Division 97
Head, Human Capital Services Division 97
Head, Operation Center Division 97
Head, Corporate Secretary Division 97
Head, Credit Card Division 97
Head, Service & Contact Center Division 97
Head, Marketing Communication Division 97
Head, Satellite & Terrestrial Division 97
Chief Learning Officer, BRI Corporate University 97
Head, Human Capital Policy & Development Division 97

Head of Regional Offices 98
Head, Jakarta 3 Regional Office 98
Head, Jakarta 1 Regional Office 98
Head, Malang Regional Office 98
Head, Bandar Lampung Regional Office 98
Head, Palembang Regional Office 98
Head, Surabaya Regional Office 98
Head, Pekanbaru Regional Office 98
Head, Jakarta 2 Regional Office 98
Head, Jayapura Regional Office 98
Head, Aceh Regional Office 98
Head, Semarang Regional Office 98
Head, Medan Regional Office 98
Head, Yogyakarta Regional Office 98
Head, Denpasar Regional Office 99
Head, Padang Regional Office 99
Head, Manado Regional Office 99
Head, Bandung Regional Office 99
Head, Banjarmasin Regional Office 99
Head, Makassar Regional Office 99

Head, Special Branch Office 100

Head of Inspection Offices 100
Inspector, Malang Regional Office 100
Inspector, Bandar Lampung Regional Office 100
Inspector, Palembang Regional Office 100
Inspector, Surabaya Regional Office 100
Inspector, Manado Regional Office 100
Regional Audit of KP, KCK, UKLN & PA Regional Office 100
Inspector, Aceh Regional Office 100
Inspector, Semarang Regional Office 100
Inspector, Medan Regional Office 100
Inspector, Pekanbaru Regional Office 100
Inspector, Makassar Regional Office 100
Inspector, Yogyakarta Regional Office 101
Inspector, Denpasar Regional Office 101
Inspector, Jakarta 3 Regional Office 101
Inspector, Jakarta 2 Regional Office 101
Inspector, Banjarmasin Regional Office 101
Inspector, Bandung Regional Office 101
Inspector, Padang Regional Office 101

Attachment 102
Typical Market Research Reports 102

List of Tables

Table 1 – Assets of 4 SOE’s banks and BCA, April 2017 1
Table 2 – Financial profile of Bank Rakyat Indonesia by geographicals, 2015-2016 (Rp mn) 9
Table 3 – Financial profile of Bank Rakyat Indonesia by client types/segments, 2015-2016 (Rp mn) 10
Table 4 – BRI’s financial highlights, Dec. 2008 – Dec. 2013 (Million Rp except Par Value) 13
Table 5 – BRI’s financial highlights, 2012-2016 (Rp bn) 15
Table 6 – Bank Rakyat Indonesia: Income statement, December 2012 – December 2016 (IDR mn) 16
Table 7 – Bank Rakyat Indonesia: Balance sheet, December 2012 – December 2016 (IDR mn) 17
Table 8 – Bank Rakyat Indonesia: Cash flow, December 2012 – December 2016 (IDR mn) 18
Table 9 – The highest peak and lowest trough points of the assets of Bank Rakyat Indonesia, January 2002 – April 2017 (monthly figures) 19
Table 10 – The highest peak and lowest trough points of productive assets of Bank Rakyat Indonesia, January 2002 – April 2017 (monthly figures) 20
Table 11 – The highest peak and lowest trough points of third parties funds of Bank Rakyat Indonesia, January 2002 – April 2017 (monthly figures) 20
Table 12 – The highest peak and lowest trough points of loans of Bank Rakyat Indonesia, January 2002 – April 2017 (monthly figures) 21
Table 13 – The highest peak and lowest trough points of equity of Bank Rakyat Indonesia, January 2002 – April 2017 (monthly figures) 21
Table 14 – The highest peak and lowest trough points of revenues of Bank Rakyat Indonesia, January 2002 – April 2017 (monthly figures) 22
Table 15 – The highest peak and lowest trough points of net operating profit of Bank Rakyat Indonesia, January 2002 – April 2017 (monthly figures) 23
Table 16 – The highest peak and lowest trough points of earnings before tax (EBT) of Bank Rakyat Indonesia, January 2002 – April 2017 (monthly figures) 23
Table 17 – The highest peak and lowest trough points of earnings after tax (EAT) of Bank Rakyat Indonesia, January 2002 – April 2017 (monthly figures) 24
Table 18 – The highest peak and lowest trough points of retained earnings of Bank Rakyat Indonesia, January 2002 – April 2017 (monthly figures) 24
Table 19 – Equity structure of Bank Rakyat Indonesia, 2012-2017q2 (Rp mn) 25
Table 20 – Earnings structure and building blocks of Bank Rakyat Indonesia, 2012-2017q2 26
Table 21 – Liability structure of Bank Rakyat Indonesia, 2012-2017q2 (Rp mn) 27
Table 22 – Financial structure of Bank Rakyat Indonesia, December 2007 – December 2016 28
Table 23 – Financial structure of Bank Rakyat Indonesia, 2012-2017q2 (%) 29
Table 24 – Third-party funds structure in Bank Rakyat Indonesia, 2012-2017q2 (Rp mn) 30
Table 25 – Fund borrowings profile of Bank Rakyat Indonesia based on maturity and currency, 2015-2016 31
Table 26 – Profile of fund borrowings in US dollar of Bank Rakyat Indonesia based on loan types and lenders, 2016 (US$ mn) 32
Table 27 – The profile of bonds issued by Bank Rakyat Indonesia, 2003-2016 34
Table 28 – BRI’s stock performance, 2006 – Jan. 2014 35
Table 29 – The highest peak and lowest trough points of market capitalitasion of share of Bank Rakyat Indonesia, 10 November 2003 – 18 July 2017: Daily value and change 35
Table 30 – The highest peak and lowest trough points of close price of share of Bank Rakyat Indonesia, adjusted afer split & dividends, 10 November 2003 – 18 July 2017: Daily value and change 35
Table 31 – The highest peak and lowest trough points of close price of share of Bank Rakyat Indonesia, adjusted afer split, 10 November 2003 – 18 July 2017: Daily value and change 36
Table 32 – The highest peak and lowest trough points of trading volume of share of Bank Rakyat Indonesia, 17 November 2003 – 18 July 2017: Daily value and change 36
Table 33 – The highest peak and lowest trough points of trading value of share of Bank Rakyat Indonesia, 10 November 2003 – 18 July 2017: Daily value and change 37
Table 34 – The largest figures in stock trading volume, value, and their daily changes, 20031110-20170718 37
Table 35 – Investors’ preferences on the shares of Bank Rakyat Indonesia, 20170630 39
Table 36 – Financial ratios of Bank Rakyat Indonesia, 2012-2016 40
Table 37 – Share valuation of Bank Rakyat Indonesia: Current and Forward, 20170731 40
Table 38 – Price ratios of shares of Bank Rakyat Indonesia, compared with S&P 500, 2007-2016 41
Table 39 – Liquidity ratio of Bank Rakyat Indonesia, December 2007 – December 2016 41
Table 40 – Cash flow ratios of Bank Rakyat Indonesia, December 2007 – December 2016 41
Table 41 – Profitability of Bank Rakyat Indonesia, December 2007 – December 2016 42
Table 42 – Profit margin profile of Bank Rakyat Indonesia, December 2007 – December 2016 42
Table 43 – Revenue profile of Bank Rakyat Indonesia, December 2007 – December 2016 (Rp mn) 43
Table 44 – Revenue sustainability of Bank Rakyat Indonesia, December 2007 – December 2016 44
Table 45 – Typical shareholders of Bank Rakyat Indonesia, 2015-2016 45
Table 46 – Institutional shareholders of Bank Rakyat Indonesia, 20161230-20170630 46
Table 47 – Institutional investors’ ownership on equity in Bank Rakyat Indonesia, 20170731 46
Table 48 – Funds’ ownership on equity in Bank Rakyat Indonesia, 20170731 46
Table 49 – BRI’s subsidiaries, 20161231 47
Table 50 – The acquisition cost of BRI’s subsidiaries, 2015-2016 47
Table 51 – The milestones of BRI Syariah 47
Table 52 – Some financial figures of BRI Syariah, 2015-2016 47
Table 53 – The milestones of BRI Agro 48
Table 54 – Some financial figures of BRI Agro, 2015-2016 49
Table 55 – The milestones of BRI Remittance 49
Table 56 – Some financial figures of BRI Remittance, 2015-2016 50
Table 57 – The milestones of BRI Life 50
Table 58 – Some financial figures of BRI Life, 2015-2016 50
Table 59 – The milestones of BRI Finance 51
Table 60 – Some financial figures of BRI Finance, 2015-2016 51
Table 61 – The investments of Bank Rakyat Indonesia (associated companies) by cost method, 2014-2016 52
Table 62 – Transactions of Bank Rakyat Indonesia with related parties by transaction types, 2015-2016 53
Table 63 – BRI’s non-financial investments, 2016 53
Table 64 – Material commitments of Bank Rakyat Indonesia on capital expenditures, 2015-2016 54
Table 65 – Typical transactions between Bank Rakyat Indonesia with affiliated parties 54
Table 66 – Transactions of Bank Rakyat Indonesia with related parties by institutions’ name and transaction types, 2015-2016 56
Table 67 – The registered analysts of Bank Rakyat Indonesia, 2016 59
Table 68 – The e-channels of Bank Rakyat Indonesia, 2012-2016 62
Table 69 – The typical offices of Bank Rakyat Indonesia, 2012-2016 62
Table 70 – The typical offices of Bank Rakyat Indonesia by province, 2016 63
Table 71 – Concurrent positions of Commissioners of Bank Rakyat Indonesia, 20161231 69
Table 72 – The commissioners of Bank Rakyat Indonesia: Supervised region and Committees Membership, 20161231 69
Table 73 – The commissioners of Bank Rakyat Indonesia: Risk Management Certification, 20161231 69
Table 74 – The commissioners of Bank Rakyat Indonesia: Overseas Education, Training, and Conferences, 2016 69
Table 75 – The commissioners of Bank Rakyat Indonesia: Domestic Education, Training, and Conferences, 2016 69
Table 76 – The Board of Directors of Bank Rakyat Indonesia, 2015-2017 84
Table 77 – Area supervised by commissioners and directors of Bank Rakyat Indonesia, 20161231 84
Table 78 – The directors of Bank Rakyat Indonesia: Risk Management Certification, 20161231 84
Table 79 – The directors of Bank Rakyat Indonesia: Competency development program, 2016 85
Table 80 – Job distribution of Directors and SEVPs of Bank Rakyat Indonesia within Directors’ Committees, 20161231 85

List of Figures

Figure 1 – The total assets of Bank Rakyat Indonesia, January 2002 – April 2017: Value and Growth (monthly figures) 19
Figure 2 – The earning assets of Bank Rakyat Indonesia, January 2002 – April 2017: Value and Growth (monthly figures) 19
Figure 3 – The third parties funds of Bank Rakyat Indonesia, January 2002 – April 2017: Value and Growth (monthly figures) 20
Figure 4 – Loans of Bank Rakyat Indonesia, January 2002 – April 2017: Value and Growth (monthly figures) 20
Figure 5 – The equity of Bank Rakyat Indonesia, January 2002 – April 2017: Value and Growth (monthly figures) 21
Figure 6 – The revenues of Bank Rakyat Indonesia, January 2002 – April 2017: Value and Growth (monthly figures) 22
Figure 7 – The net operating profit of Bank Rakyat Indonesia, January 2002 – April 2017: Value and Growth (monthly figures) 22
Figure 8 – The earnings before tax (EBT) of Bank Rakyat Indonesia, January 2002 – April 2017: Value and Growth (monthly figures) 23
Figure 9 – The earnings after tax (EAT) of Bank Rakyat Indonesia, January 2002 – April 2017: Value and Growth (monthly figures) 23
Figure 10 – The retained earnings of Bank Rakyat Indonesia, January 2002 – April 2017: Value and Growth (monthly figures) 24
Figure 11 – The market capitalisation of share of Bank Rakyat Indonesia, 10 November 2003 – 18 July 2017: Daily Value and Change 35
Figure 12 – The close price of share of Bank Rakyat Indonesia, 10 November 2003 – 18 July 2017: Daily Value and Change 36
Figure 13 – The stock trading volume of Bank Rakyat Indonesia, 17 November 2003 – 18 July 2017: Daily Value and Change 36
Figure 14 – The stock trading value of Bank Rakyat Indonesia, 10 November 2003 – 18 July 2017: Daily Value and Change 37
Figure 15 – Investors’ preferences and trends on the share of Bank Rakyat Indonesia, 20170630 39
Figure 16 – The organisation structure of Bank Rakyat Indonesia, 20161231 67


Analisa laporan keuangan (corporate finance) dan valuasi nilai (investment banking)
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2. Analisa laporan keuangan (rentabilitas, profitabilitas, likuiditas, solvabilitas).
3. Profil bank publik dan kinerja sahamnya di bursa efek indonesia.
4. Market research, business research, industry profile, company analysis, bank analysis.

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Daftar bank umum yang beroperasi di Indonesia:


Bank Name Syariah BPD BUMN Asing Devisa Non-Devisa Joint Venture
ABN Amro Bank 1
American Express Bank Ltd 1
Anglomas Internasional Bank, PT 1
ANZ Panin Bank, PT 1
Artamedia Bank, PT 1
Bank Aceh, PT 1
Bank Agris, PT 1
Bank Agroniaga, Tbk, PT 1
Bank Andara, PT 1
Bank Antardaerah, PT 1
Bank Arta Niaga Kencana, PT 1
Bank Artha Graha Internasional, Tbk, PT 1
Bank Artha Graha, PT 1
Bank Artos Indonesia, PT 1
Bank Asiatic, PT 1
Bank Barclays Indonesia, PT 1
Bank BCA Syariah, PT 1 1
Bank Bisnis Internasional, PT 1
Bank BNI Syariah, PT 1 1
Bank BNP Paribas Indonesia, PT 1
Bank BRI Syariah, PT 1 1
Bank Bukopin, PT 1
Bank Bumi Arta, PT 1
Bank Capital Indonesia, Tbk, PT 1
Bank Central Asia Tbk, PT 1
Bank China Trust Indonesia, PT 1
Bank CIMB Niaga, Tbk, PT 1
Bank Commonwealth, PT 1
Bank Credit Agricole Indosuez, PT 1
Bank Dagang Bali, PT 1
Bank Dai-Ichi Kangyo Indonesia, PT 1
Bank Danamon Indonesia Tbk, PT 1
Bank Danpac, PT 1
Bank DBS Indonesia, PT 1
Bank Dipo International, PT 1
Bank DKI, PT 1
Bank Ekonomi Raharja, Tbk, PT 1
Bank Ekspor Indonesia (Persero), PT 1
Bank Fama Internasional, PT 1
Bank Ganesha, PT 1
Bank Hagakita, PT 1
Bank Hana, PT 1
Bank Harda Internasional, PT 1
Bank Harmoni International, PT 1
Bank Himpunan Saudara 1906, Tbk, PT 1
Bank IBJ Indonesia, PT 1
Bank ICB Bumiputera Tbk, PT 1
Bank ICBC Indonesia, PT 1
Bank IFI, PT 1
Bank Ina Perdana, PT 1
Bank Index Selindo, PT 1
Bank Internasional Indonesia Tbk, PT 1
Bank Jabar Banten Syariah, PT 1 1
Bank Jasa Jakarta, PT 1
Bank Kalteng, PT 1
Bank KEB Indonesia, PT 1
Bank Kesawan Tbk, PT 1
Bank Kesejahteraan Ekonomi, PT 1
Bank Lampung, PT 1
Bank Lippo Tbk, PT 1
Bank Mandiri (Persero), Tbk, PT 1
Bank Maspion Indonesia, PT 1
Bank Mayapada International Tbk, PT 1
Bank Maybank Syariah Indonesia, PT 1 1
Bank Mayora, PT 1
Bank Mega, Tbk, PT 1
Bank Merincorp, PT 1
Bank Mestika Dharma, PT 1
Bank Metro Express, PT 1
Bank Mitraniaga, PT 1
Bank Mizuho Indonesia, PT 1
Bank Muamalat Indonesia, PT 1 1
Bank Multi Arta Sentosa, PT 1
Bank Mutiara, Tbk, PT 1
Bank Nagari (BPD Sumatera Barat), PT 1
Bank Negara Indonesia (Persero) Tbk, PT 1
Bank Nusantara Parahyangan, Tbk, PT 1
Bank OCBC Indonesia, PT 1
Bank OCBC NISP, Tbk, PT 1
Bank of America, Na 1
Bank of China Limited 1
Bank Panin Syariah, PT 1 1
Bank Paribas – BBD Indonesia, PT 1
Bank Patriot, PT 1
Bank Permata Tbk, PT 1
Bank Pikko Tbk, PT 1
Bank Prasidha Utama, PT 1
Bank Pundi Indonesia Tbk, PT 1
Bank Rabobank Duta, PT 1
Bank Rabobank International Indonesia, PT 1
Bank Rakyat Indonesia (Persero), Tbk 1
Bank Ratu, PT 1
Bank Resona Perdania, PT 1
Bank Royal Indonesia, PT 1
Bank Sahabat Purba Danarta, PT 1
Bank Sakura Swadharma, PT 1
Bank SBI Indonesia, PT 1
Bank Sinar Harapan Bali, PT 1
Bank Sinarmas, PT 1
Bank Societe General Indonesia, PT 1
Bank Sumitomo Mitsui Indonesia, PT 1
Bank Swadesi Tbk, PT 1
Bank Syariah Bukopin, PT 1 1
Bank Syariah Mandiri, PT 1 1
Bank Syariah Mega Indonesia, PT 1 1
Bank Tabungan Negara (Persero), PT 1
Bank Tabungan Pensiunan Nasional, PT 1
Bank UFJ Indonesia, PT 1
Bank Unibank Tbk, PT 1
Bank Universal Tbk, PT 1
Bank UOB Buana, Tbk , PT 1
Bank UOB Indonesia, PT 1
Bank Victoria International, Tbk 1
Bank Victoria Syariah, PT 1
Bank Windu Kentjana International, Tbk 1
Bank Windu Kentjana, PT 1
Bank Woori Indonesia, PT 1
Bank Yudha Bhakti, PT 1
BPD Bali, PT 1
BPD Bengkulu, PT 1
BPD Jambi, PT 1
BPD Jawa Barat dan Banten, PT 1
BPD Jawa Tengah, PT 1
BPD Jawa Timur, PT 1
BPD Kalimantan Barat, PT 1
BPD Kalimantan Selatan, PT 1
BPD Kalimantan Timur, PT 1
BPD Maluku, PT 1
BPD Nusa Tenggara Barat, PT 1
BPD Nusa Tenggara Timur, PT 1
BPD Papua (D/H BPD Irian Jaya), PT 1
BPD Riau Kepri, PT 1
BPD Sulawesi Selatan, PT 1
BPD Sulawesi Tengah, PT 1
BPD Sulawesi Tenggara, PT 1
BPD Sulawesi Utara, PT 1
BPD Sumatera Selatan dan Bangka Belitung, PT 1
BPD Sumatera Utara, PT 1
BPD Yogyakarta, PT 1
Centratama Nasional Bank, PT 1
Citibank NA 1
Deutsche Bank AG 1
Global International Bank, PT 1
ING Indonesia Bank, PT 1
JP Morgan Chase Bank, NA 1
Keppel Tat Lee Buana Bank, PT 1
Liman International Bank, PT 1
Nationalnobu, PT 1
Pan Indonesia Bank, Tbk, PT 1
Prima Express Bank, PT 1
Prima Master Bank, PT 1
Standard Chartered Bank 1
The Bangkok Bank Comp Ltd 1
The Bank of Tokyo Mitsubishi UFJ Ltd 1
The Hongkong & Shanghai BC 1
Tokai Lippo Bank, PT 1

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