Growing Together with Permata Bank

Board of Commisioners

Chartsiri Sophonpanich

President Commissioner

Thai Citizen, 64 years old, resides in Thailand.

Educational Background

Masters in Management from the Sloan School of Management, Massachusetts Institute of Technology, United States (1984).
Masters in Chemical Engineering from the Sloan School of Management, Massachusetts Institute of Technology, United States (1983).
Bachelor’s degree in Chemical Engineering from Worcester Polytechnic Institute, United States (1980).

Professional Background

Legal Basis & Tenure:

Appointed as President Commissioner of PermataBank by Extraordinary General Meeting of Shareholders of PermataBank on 23 April 2020, and effective on 20 May 2020.
Reappointed as President Commissioner of PermataBank by Annual General Meeting of Shareholders of PermataBank on 6 April 2023.

Concurrent Position

Concurrent positions in public companies (in Indonesia and/or overseas):

President of Bangkok Bank Public Company Limited (since 1994).
Director of Bangkok Post Publishing Public Company Limited (since 1993).

Concurrent positions in other companies and institutions:

Chairman of Bangkok Bank (China) Company Limited (since 2009).
Member of the Committee for Administration of Economic Situation affected by the COVID-19 Pandemic (since 2020).
Member of The National Strategy Committee (since 2017).

Professional Experience

He has extensive experience in banking and has held several leadership positions in various companies, including:

Member of The Board of Trustees, Bangkok University (2009–2022).
Member of The National Economic Reform Committee (2017–2020).
Board of The National Science and Technology Development Agency (2013–2021).
Member of the Board of Investment (2011–2014).
Chairman of The Thai Bankers’ Association (2002–2006, 2010–2014).
Director of The Thai Asset Management Corporation (2002–2006, 2010–2011).
Director of The Payment Systems Committee (2010–2014).
Member of The National Legislative Assembly (2006–2008).
Member of The Board of Trustees Singapore Management University (2004–2016).
Director of The VISA International-Asia Pacific (2001–2008).

Chong Toh

Commissioner

Malaysian Citizen, 55 years old, resides in Thailand.

Educational Background

Master of Science in Management from the Massachusetts Institute of Technology (1998).
Bachelor of Arts in Philosophy, Politics, and Economics from Oxford University (1991).

Professional Background

Legal Basis & Tenure:

Appointed as Commissioner based on the decision of the Extraordinary General Meeting of Shareholders on 23 April 2020, with an effective term of office from 26 May 2020.
Reappointed as Commissioner of PermataBank by the Annual General Meeting of Shareholders on 6 April 2023.

Concurrent Position

Concurrent positions in public companies (in Indonesia and/or overseas):

Director, Bangkok Bank Public Company Limited (since 2022).
Chairman, Asia Cement Public Company Limited (since 2011).
Executive Chairman, Bualuang Securities Public Company Limited (since 2005).
Director, Bumrungrad Hospital Public Company Limited (since 2001).

Concurrent positions in other companies and institutions:

Independent Director, NSR SEA Fund (since 2018).
Senior Advisor, Morgan Stanley Thailand (since 2017).
Chairman, Bangkok Capital Asset Management Company Limited (since 2015).
Director, Bangkok Bank (China) Company Limited (since 2009).

Committee positions at PermataBank:

Member of the Risk Monitoring Committee.
Member of the Remuneration and Nomination Committee.

Professional Experience

He has extensive experiences in banking and several management positions in several companies, as follows:

Senior Executive Vice President, Bangkok Bank Public Company Limited (2011–2022).
Executive Vice President, Bangkok Bank Public Company Limited (2005–2011).
President, Bualuang Securities Public Company Limited (2002–2005).
President & CEO, Bualuang Finance Company Limited (2000–2001).
Vice President, Bangkok Bank Public Company Limited (1999–2000).
Assistant Vice President, Bangkok Bank Public Company Limited (1998–1999).
Analyst, Investment Banking, Morgan Stanley (1993–1996).
Economist, Government of Singapore Investment Corporation (GIC) (1991–1993).

Niramarn Laisathit

Commissioner

Thai Citizen, 56 years old, resides in Thailand.

Educational Background

Master of Business Administration, majoring in Finance from Saint Louis University, United States (1992).
Bachelor of Engineering, majoring in Industrial Engineering from Chulalongkorn University (1989).

Professional Background

Legal Basis & Tenure:

Appointed as Commissioner based on the decision of the Extraordinary General Meeting of Shareholders on 23 April 2020, with an effective term of office from 20 May 2020.
Reappointed as Commissioner of PermataBank by the Annual General Meeting of Shareholders on 6 April 2023.

Concurrent Position

Concurrent positions in public companies (in Indonesia and/or overseas):

Senior Executive Vice President responsible for Corporate Banking at Bangkok Bank Public Company Limited (since 2020).

Concurrent positions in other companies and institutions:

Director, RATCH Group Public Company Limited (since 2020).
Director, Bangkok Bank (China) Company Limited (since 2009).

Committee positions at PermataBank:

Member of the Risk Monitoring Committee.

Professional Experience

She has extensive experiences in banking and several management positions in several companies, as follows:

Senior Executive Vice President, in charge of the Information Industry, Energy, Conglomerate 3, Trade, Service Industry, Sugar Industry, Automotive and Heavy Equipment, Textiles and Garments, Corporate Banking, Bangkok Bank Public Company Limited (2022).
Senior Executive Vice President, in charge of the Information Industry, Energy, Conglomerate 3, Trade, Service Industry, Sugar Industry, Automotive and Heavy Equipment, Textiles and Garments, Conglomerate 1, Electronics and Computer Equipment, Corporate Banking, Bangkok Bank Public Company Limited (2021).
Senior Executive Vice President, in charge of Light Industry, Energy, Conglomerate 3, Trading and Manager of Energy, Corporate Banking, Bangkok Bank Public Company Limited (2019).
Director, Electricity Generating Authority of Thailand (2019–30 September 2023).
Executive Vice President, in charge of Light Industry, Energy, Conglomerate 3, Trading and Manager of Energy, Corporate Banking, Bangkok Bank Public Company Limited (2016–2019).
Executive Vice President, in charge of Light Industry, Energy, Conglomerate 3, Multinational 1 and Manager of Energy, Corporate Banking, Bangkok Bank Public Company Limited (2015–2016).
Executive Vice President, in charge of Light Industry, Energy, Service Industry and Manager of Energy, Metropolitan Corporate Banking, Bangkok Bank Public Company Limited (2013–2015).
Executive Vice President, in charge of Light Industry, Energy, Service Industry, Textile and Garment and Manager of Energy, Metropolitan Corporate Banking, Bangkok Bank Public Company Limited (2012–2013).
Executive Vice President, in charge of Light Industry, Energy, Service Industry, Textile and Garment and Manager of Energy, Metropolitan Corporate Banking and Manager of Project Department, Investment Banking Group, Bangkok Bank Public Company Limited (2010–2012).
Executive Vice President, Manager of Risk Management and Project Department, Investment Banking Group, Bangkok Bank Public Company Limited (2008–2010).
Executive Vice President, Manager of Energy, Metropolitan Corporate Banking and in charge of Project Department, Investment Banking Group, Bangkok Bank Public Company Limited (2007–2008).
Senior Vice President, Project Finance Division, Bangkok Bank Public Company Limited (2004–2007).
Vice President, Corporate Finance Department, Bangkok Bank Public Company Limited (1999–2004).
Assistant Vice President, Senior Marketing Officer, Corporate Finance Department, Bangkok Bank Public Company Limited (1996–1999).
Marketing Officer, Corporate Finance Department, Bangkok Bank Public Company Limited (1992–1996).
Management Trainee, Gateaux House Company Limited (1989).

Chalit Tayjasanant

Commisioner

Thai Citizen, 70 years old, resides in Jakarta.

Educational Background

Master of Science in Industrial Management from the University of Dallas, United States (1978).
Bachelor of Engineering from Michigan Technological University, United States (1977).

Professional Background

Legal Basis & Tenure:

Appointed as Commissioner of PermataBank by the Extraordinary General Meeting of Shareholders of PermataBank on 23 April 2020, with an effective term of office from 20 May 2020 to 8 June 2021.
Appointed as President Director of PermataBank by the Extraordinary General Meeting of Shareholders of PermataBank on 27 April 2021, with an effective term of office as President Director from 9 June 2021 to 19 May 2022.
Appointed as Commissioner of PermataBank by the Annual General Meeting of Shareholders on 20 May 2022, with an effective term of office as Commissioner on 27 June 2022.
Reappointed as Commissioner of PermataBank by the Annual General Meeting of Shareholders on 6 April 2023.

Concurrent Position

Concurrent positions in public companies (in Indonesia and/or overseas):

No concurrent positions.

Concurrent positions in other companies and institutions:

No concurrent positions.

Committee positions at PermataBank:

Member of the Risk Monitoring Committee.
Member of the Remuneration and Nomination Committee.

Professional Experience

He has extensive experiences in banking and several management positions in several companies, as follows:

Commissioner of PermataBank (since 27 June 2022).
President Director of PermataBank (9 June 2021–19 May 2022).
Commissioner of PermataBank (20 May 2020–8 June 2021).
Executive Advisor, Bangkok Bank Public Company Limited Indonesia (2019–2020).
General Manager, Bangkok Bank Public Company Limited Indonesia (2002–2019).
Chief Executive Officer, Bangkok Bank Berhad, Malaysia (1996–2002).
Branch Manager, Bangkok Bank Public Company Limited Shanghai, China (1993–1996).
Branch Manager, Bangkok Bank Public Company Limited Indonesia (1989–1993).
Assistant Branch Manager, Bangkok Bank Public Company Limited Indonesia (1986–1989).
International Country Officer, Bangkok Bank Public Company Limited Head Office, Thailand (1984–1986).
Domestic Banking Unit, Bangkok Bank Public Company Limited Head Office, Thailand (1981–1984).
Department of Armament, Royal Thai Air Force, Thailand (1979–1980).

Haryanto Sahari

Independent Commissioner

Indonesian Citizen, 67 years old, resides in Jakarta.

Educational Background

Bachelor of Economics majoring in Accounting from the University of Indonesia (1982).

Professional Certification

Member of the Indonesian Association of Accountants (IAI) - Chartered Accountant (CA).
Member of the Indonesian Institute of Public Accountants (IAPI) - Certified Public Accountant (CPA).

Professional Background

Legal Basis & Tenure:

Firstly appointed as Independent Commissioner based on the decision of the Extraordinary General Meeting of Shareholders on 26 September 2017, with an effective term of office from 8 November 2017.
Reappointed as Independent Commissioner based on the decision of the Annual General Meeting of Shareholders on 14 April 2020.
Reappointed as Independent Commissioner of PermataBank by the Annual General Meeting of Shareholders on 6 April 2023.

Concurrent Position

Concurrent positions in public companies (in Indonesia and/or overseas):

Member of the Audit Committee of PT Jasa Angkasa Semesta Tbk (since January 2020).
Member of the Audit Committee at PT Medikaloka Hermina Tbk (since November 2017).

Concurrent positions in other companies and institutions:

Member of the Audit Committee of the Indonesian Bankers Association (since August 2023).
Member of the Audit Committee of the Ministry of Health (since August 2022).
Member of the Supervisory Board and Chairman of the Audit Committee of the Indonesian Investment Management Institute (INA) (since January 2021).
Member of the PT Cardig Aero Services Audit Committee (since June 2021).
Member of the Audit Committee at the University of Indonesia (since November 2016).

Committee positions at PermataBank:

Chairman of the Risk Monitoring Committee.
Member of the Remuneration and Nomination Committee.

Professional Experience

Previously, Mr. Haryanto served as President Commissioner in various companies, namely PT Batanghari Sawit Sejahtera, PT Kaswari Unggul, PT Flora Wahana Tirta, PT Ekajaya Multiperkasa, PT Aditarwan, PT Arta Prigel, PT Perkebunan Inti Sawit Subur, and PT Bukit Barisan Indah Prima, from September 2011 to June 2017.

Other important positions that Mr. Haryanto has held include:

Chair of the Audit Committee of PT Bank Permata Tbk (November 2019–May 2023).
Member of the PermataBank Integrated Governance Committee (January 2020–September 2022).
Member of the Audit Committee of PT Unilever Tbk (October 2016–April 2022).
Independent Commissioner and Chair of the Audit Committee of PT Cardig Aero Services (November 2019–June 2021).
Commissioner of PT Kikim Resources (October 2012–June 2017).
Commissioner of PT Agri Capital Resources (May 2010–July 2016).
Commissioner of PT Tempirai Palm Resources (June 2009–July 2016).
Commissioner of PT Rambang Agro Jaya (August 2008–July 2016).
Country Senior Partner at PricewaterhouseCoopers (PwC) Indonesia (1996–2006).
Partner at PricewaterhouseCoopers (PwC) Indonesia (1990–June 2017).
Senior Auditor at PwC Australia (1978).
Assistant Manager at Arthur Young (KAP Santoso Harsokusumo Indonesia) (1980–1984).

Goei Siauw Hong

Independent Commissioner

Indonesian Citizen, 59 years old, resides in Jakarta.

Educational Background

Master of Business Administration (MBA) majoring in Business/ Finance and Marketing from Indiana University, Bloomington, United States (1993).
Engineer majoring in Agronomy/Agricultural Cultivation from the Bogor Agricultural Institute (1988).

Professional Certification

CFA (Chartered Financial Analyst) from the CFA Institute.
FRM (Financial Risk Manager) from GARP (Global Association of Risk Professionals).

Professional Background

Legal Basis & Tenure:

Appointed for the first time as Independent Commissioner based on the decision of the Annual General Meeting of Shareholders on 14 April 2020, with an effective term of office from 20 May 2020.
Reappointed as the Independent Commissioner of PermataBank by the Annual General Meeting of Shareholders on 6 April 2023.

Concurrent Position

Concurrent positions in public companies (in Indonesia and/or overseas):

No concurrent position.

Concurrent positions in other companies and institutions:

President Director at PT Gagas Prima Solusi (since 2001).

Committee positions at PermataBank:

Chairman of the Audit Committee.
Member of the Risk Monitoring Committee.

Professional Experience

He has extensive experiences in banking and several management positions in several companies, as follows:

Independent Commissioner of PT Bank Mandiri Tbk (Persero) (2015–2019).
Head of Research at Nomura Indonesia (1999–2001).
Vice President of Research at Nomura Singapore (1998–1999).
Head of Research at SocGen Crosby (1996–1998).
Senior Analyst, Deputy Head of Research, & Head of Research at CLSA Indonesia (1995–1996).
Equity Analyst & Senior Equity Analyst at WI Carr Indonesia (1993–1995).
Systems Analyst at Astra Graphia (1988–1991).

Yap Tjay Soen

Independent Commissioner

Indonesian Citizen, 70 years old, resides in Jakarta.

Educational Background

Master of Business Administration (MBA) from McGill University, Montreal, Canada (1980).
Bachelor of Science, majoring in Engineering, from McGill University, Montreal, Canada (1976).

Professional Background

Legal Basis & Tenure

Appointed for the first time as Independent Commissioner based on the decision of the Annual General Meeting of Shareholders on 14 April 2020, with an effective term of office from 10 July 2020.
Reappointed as Independent Commissioner of PermataBank by the Annual General Meeting of Shareholders on 6 April 2023.

Concurrent Position

Concurrent positions in public companies (in Indonesia and/or overseas):

No concurrent position.

Concurrent positions in other companies and institutions:

Director of PT Finansia Pacifica Raya (2019 – present).

Committee positions at PermataBank:

Member of the Audit Committee.
Member of the Risk Monitoring Committee.

Professional Experience

He has extensive experiences in the fields of finance and banking and has served in various leadership positions in several companies, including:

Senior Advisor of IRAI (Independent Research & Advisory Indonesia) (2019–2022).
Commissioner of PT KB Finansia Multi Finance (2019–2020).
Independent Commissioner of PT Putra Mandiri Jembar Tbk (2019–2020).
Audit Committee of PT CIMB Niaga Tbk (2016–2020).
Independent Director of PT Eagle High Plantations Tbk (2015–2019).
President Commissioner of PT BNI Life (2014–2015).
Director of PT Bank Negara Indonesia Tbk (2008–2015).
Independent Commissioner of PT Bank Mandiri Tbk (Persero) (2005–2008).
President Director of PT Tuban Petrochemical Industries (2002–2007).
Independent Commissioner of PT Bank Negara Indonesia Tbk (Persero) (2003–2005).
Independent Commissioner of PT Aneka Tambang Tbk (2002–2007).
Deputy President Director of PT Bank International Indonesia Tbk (1999–2001).
Chief Operating Officer of Asia Food & Properties (1998–1999).
Held several positions at PT Astra International Tbk (1989–1998).
Vice President of Citibank Indonesia (1980–1988).
Jr. Mechanical Engineer of D. Hussman & Co. Ltd as Associate (1976–1978).
Jr. Mechanical Engineer of Union Mineral Exploration Ltd (1976–1978).

Riswinandi

Independent Commissioner

Indonesian Citizen, 66 years old, resides in Jakarta.

Educational Background

Bachelor of Economics from Trisakti University, Jakarta (1983).

Professional Background

Legal Basis & Tenure

Appointed as Independent Commissioner based on the decision of the Extraordinary General Meeting of Shareholders on 23 August 2023, with an effective term of office from 25 October 2023.

Concurrent Position

Concurrent positions in public companies (in Indonesia and/or overseas):

No concurrent position.

Concurrent positions in other companies and institutions:

No concurrent position.

Committee positions at PermataBank:

Chairman of the Remuneration and Nomination Committee.
Member of the Risk Monitoring Committee.

Professional Experience

He has extensive experiences in banking and several management positions in several companies, as follows:

President Commissioner/Independent Commissioner of PT BNI Sekuritas (October 2022–October 2023).
Chief Executive of the Non-Bank Financial Industry Supervision (IKNB) and concurrently Member of the Board of Commissioners of the Financial Services Authority (OJK) (July 2017–July 2022).
President Director of PT Pegadaian (Persero) (April 2015–July 2017).
Commissioner of PT Pefindo Biro Kredit (December 2015–July 2017).
Deputy President Director of PT Bank Mandiri (Persero) Tbk (May 2010–March 2015).
Director of Corporate Banking PT Bank Mandiri (Persero) Tbk (March 2008–May 2010).
Director of Special Asset Management PT Bank Mandiri (Persero) Tbk (May 2006–March 2008).
EVP Group Head Credit Recovery 2 PT Bank Mandiri (Persero) Tbk (October 2005–May 2006).
Independent Commissioner of PT Bank Mandiri (Persero) Tbk (September 2003–May 2005).
Commissioner of PT Asuransi Ekspor Indonesia (Persero) (2004–2006).
Director of Corporate Banking; Executive Vice President, Corporate Finance Division PT Bank Danamon Indonesia Tbk (2001–2003).
Senior Vice President, Loan Work Out (LWO) Division, Asset Management Credit; Commissioner of PT Bank Prima Express (IBRA representative); Vice President, Risk Management Credit Review of the National Banking Restructuring Agency (IBRA) (1999–2001).
Several important positions at PT Bank Niaga Tbk (1986–1999).

Board of Directors

Meliza Musa Rusli

President Director

Indonesian Citizen, 49 years old, resides in Jakarta.

Educational Background

Master of Business Administration from the University of Melbourne, Australia (2000).
Bachelor of Engineering in Electrical Engineering from the University of Indonesia (1996).

Professional Background

Legal Basis & Tenure:

Appointed as Deputy President Director based on the decision of the Extraordinary General Meeting of Shareholders on 25 January 2022, with an effective term of office from 25 January 2022 to 19 May 2022.
Appointed as President Director based on the decision of the Annual General Meeting of Shareholders on 20 May 2022, with an effective term of office from 20 May 2022.
Reappointed as President Director of PermataBank at the PermataBank Annual General Meeting of Shareholders on 6 April 2023.

Concurrent Position

Concurrent positions in public companies (in Indonesia and/or overseas):

She has no concurrent position at other public companies.

Concurrent positions in other companies and institutions:

She has no concurrent position at other companies and institutions.

Professional Experience

Prior to being appointed as President Director of PermataBank, she served as Deputy President Director (25 January 2022–19 May 2022). She formerly served as Chief of Group Digital Strategy and Chief of Corporate Development at PT Astra International Tbk until October 2021.

In addition, she also has extensive experience in the financial and investment fields, and has served in various leadership positions in several companies, as follows:

President Director of PT Astra Digital Arta (August 2020–October 2021).
Commissioner of PT Astra Digital Internasional (August 2020–October 2021).
Commissioner of PT Astra integrasi Digital (March 2021–October 2021).
President Director of PT Solusi Mobilitas Bangsa (April 2019–April 2021).
Managing Director, Head of Financial Services Group for Indonesia and Committee Member, Financial Services Group for South East Asia Accenture (January 2015–December 2015).
President Director of PT Goldman Sachs Indonesia and Executive Director of Goldman Sachs (December 2010–April 2013).
Finance Director of PT Ancora Indonesia Resource Tbk (April 2009–May 2010).
Vice President, Investment Banking Division Credit Suisse (May 2007–April 2009).
Associate Director, Investment Banking Division UBS (June 2003–May 2007).
Analyst, Investment Banking Division Lehman Brothers (August 2000–August 2002).
Technical Sales Specialist PT IBM Indonesia (October 1996–December 1998).

Abdy Dharma Salimin

Technology and Operations Director

Indonesian Citizen, 58 years old, resides in Jakarta.

Educational Background

Bachelor of Commerce from the University of Toronto, Canada (1989).

Professional Background

Legal Basis & Tenure:

Appointed as Director of Technology and Operations based on the decision of the Extraordinary General Meeting of Shareholders on 25 August 2016, with an effective term of office from 1 December 2016.
Reappointed as Director of Technology and Operations based on the decision of the Annual General Meeting of Shareholders on 14 April 2020.
Reappointed as Director of Technology and Operations at PermataBank at the PermataBank Annual General Meeting of Shareholders on 6 April 2023.

Concurrent Position

Concurrent positions in public companies (in Indonesia and/or overseas):

He has no concurrent position at other public companies.

Concurrent positions in other companies and institutions:

He has no concurrent position at other companies and institutions.

Professional Experience

Prior to joining PermataBank, he held various leadership positions at Standard Chartered Hong Kong, Singapore, Malaysia, and India, including:

Global Technology Head for Retail Banking (2015–2016).
Global Product Engineering Head for Wholesale, Retail Banking and Wealth Management (2013–2015).
Chief Information Officer for Group Client Experience (2011– 2013).
Chief Information Officer for Group Preferred, Priority and International Banking (2008–2011).
Global Head Performance Management for Integrated Distribution (2006–2008).
Global Head Secured Lending Operations (2004–2006).
Country Operations Head (2001–2003).

Dhien Tjahajani

Legal and Compliance Director

Indonesian Citizen, 57 years old, resides in Jakarta.

Educational Background

Master of Business Administration from Edith Cowan University, Perth (early 1995).
Graduate Diploma in Business at Curtin University of Technology, Perth (1992).
Bachelor of Laws from University of Sebelas Maret (1990).

Professional Background

Legal Basis & Tenure:

Appointed as Legal and Compliance Director of PermataBank pursuant to the resolutions of Annual General Meeting of Shareholders on 24 April 2018, joined Permata on 1 July 2018 and was effectively appointed on 4 September 2018.
Reappointed as Legal and Compliance Director based on the decision of the Annual General Meeting of Shareholders on 14 April 2020.
Reappointed as Legal and Compliance Director based on the decision of the Annual General Meeting of Shareholders on 6 April 2023.

Concurrent Position

Concurrent positions in public companies (in Indonesia and/or overseas):

She has no concurrent position at other public companies.

Concurrent positions in other companies and institutions:

She has no concurrent position at other companies and institutions.

Professional Experience

Previously, served as Legal and Compliance Director, Independent Director and Corporate Secretary at PT Bank Maybank Indonesia Tbk until 25 June 2018. Previously, she started her career in banking in 1990 at PT Bank Central Asia, and has held various positions as follows:

Compliance Director at PT Bank Commonwealth (2011–2014).
Compliance Director at PT Bank Barclays Indonesia (2009–2011).
Compliance Director at PT Bank Rabobank International Indonesia (2006–2009).
Director of Legal and Compliance and Corporate Secretary at PT Bank DBS Indonesia (2002–2006).
Head of Legal & Remedial Department at PT Bank Credit Lyonnais Indonesia (1995–2002).

Djumariah Tenteram

Consumer Banking Director

Indonesian Citizen, 57 years old, resides in Jakarta.

Educational Background

Bachelor of Accounting from Nommensen University, Medan (1988).

Professional Background

Legal Basis & Tenure:

Appointed as Director of Retail Banking based on the decision of the Extraordinary General Meeting of Shareholders on 25 September 2018, with an effective term of office from 16 January 2019.
Reappointed as Retail Banking Director based on the decision of the Annual General Meeting of Shareholders on 14 April 2020.
Reappointed as Retail Banking Director of PermataBank at the Annual General Meeting of Shareholders on 6 April 2023.

Concurrent Position

Concurrent positions in public companies (in Indonesia and/or overseas):

She has no concurrent position at other public companies.

Concurrent positions in other companies and institutions:

She has no concurrent position at other companies and institutions.

Professional Experience

Previously, she has served as Head of Wealth Management, Retail Liability Products & E-Channels of PermataBank since 2013. She started her career in banking in 1987 by following Management Development Program at PT Bank International Indonesia, and throughout her career has held several important positions as follows:

GM, Integrated Distribution; GM, Priority & International Banking, Personal & Preferred Banking; GM, Shared Distribution; GM, Wealth Management, Segment and Marketing; and Branch Manager at Standard Chartered Bank (2003–2013).
Branch Manager Jakarta and Commercial Banking Business Manager of PT ABN AMRO Bank (1999–2003).
Main Branch Manager Jakarta of PT Bank Asia Pacific (1995–1999).
Sub Branch Manager Jakarta of PT Bank Pelita (1993–1995).
Sub Branch Manager Jakarta of PT Bank Susila Bakti (1991–1993).
Sub Branch Manager Medan of PT Bank International Indonesia (1989–1990).
Account Officer & Customer Relationship Officer Medan of PT Bank International Indonesia (1988–1989).

Dayan Sadikin

Human Resources Director

Indonesian Citizen, 52 years old, resides in Jakarta.

Educational Background

Master of Commerce (Advanced Specialization in Human Resources Management) from the University of New South Wales, Sydney, Australia (1999).
Bachelor of Social Affairs in the Department of Sociology from the University of Indonesia (1994).

Professional Background

Legal Basis & Tenure:

Appointed as Director of Human Resources based on the decision of the Annual General Meeting of Shareholders on 23 April 2019, with an effective term of office from the same date.
Reappointed as Director of Human Resources based on the decision of the Annual General Meeting of Shareholders on 14 April 2020.
Reappointed as Human Resources Director of PermataBank at the Annual General Meeting of Shareholders on 6 April 2023.

Concurrent Position

Concurrent positions in public companies (in Indonesia and/or overseas):

He has no concurrent position at other public companies.

Concurrent positions in other companies and institutions:

He has no concurrent position at other companies and institutions.

Professional Experience

Previously he had various experiences in the human resources management fields and also has held several leadership roles as Director for PT Kideco Jaya Agung (2018–2019) and President Director for PT Solaris Power Indonesia (2016–2018). He also had other professional experiences as follows:

Head of Human Capital at PT Indika Energy Tbk and members of Human Resources Committees within Indika Energy Group (2011–2016).
Director of PT Coca-Cola Bottling Indonesia and PT Coca-Cola Distribution Indonesia (2009–2011).
First Choice Senior Advisor, South East Asia (2007–2009), Country HR Manager (2004–2007) at PT Birotika Semesta/DHL Express Indonesia (2004–2009).
Personnel Manager, Indonesia and Australia for PT Omnes Services Indonesia/Schlumberger IT (2003–2004).
HR Operations Manager for PT Coca-Cola Indonesia (2000–2003).
Section Head Recruitment and Training for PT Sony Electronics Indonesia (1995–1997).

Setiatno Budiman

Risk Director

Indonesian Citizen, 55 years old, resides in Jakarta.

Educational Background

Master of Business Administration (MBA) from Oklahoma City University (1994).
Bachelor of Engineering in Civil Engineering from Tarumanagara University (1993).

Professional Background

Legal Basis & Tenure:

Appointed as Risk Director based on the decision of the Annual General Meeting of Shareholders on 20 May 2022, with an effective term of office from 1 July 2022.
Reappointed as Risk Director of PermataBank at the Annual General Meeting of Shareholders on 6 April 2023.

Concurrent Position

Concurrent positions in public companies (in Indonesia and/or overseas):

He has no concurrent position at other public companies.

Concurrent positions in other companies and institutions:

He has no concurrent position at other companies and institutions.

Professional Experience

Previously, he had various experiences in the banking sector and held several managerial positions in PermataBank as Chief Credit Officer (2020–2022), Senior Credit Officer-Credit Risk (2019–2020), and Senior Credit Officer (2016–2019). Before joining PermataBank, he had experience in banking and held several positions as follows:

Senior Vice President-Commercial and SME Credit Risk of PT CIMB Niaga Tbk (2012–2016).
Senior Vice President, Risk Analysis Unit of HSBC-Indonesia (2008–2012).
Vice President, Research & Analysis Unit of Citibank, NA (2000–2008).
Senior Manager, Equities Analyst of Vickers Ballas Tamara (1997–2000).
Senior Research Analyst of Arab Malaysian Capital Indonesia (1997).
Financial Analyst-Corporate Finance of PT Makindo Securities Tbk (1995–1996).

Rudy Basyir Ahmad

Finance Director and Sharia Business Unit Director

Indonesian Citizen, 43 years old, resides in Jakarta.

Educational Background

Masters in Management from Prasetya Mulya Business School (2008).
Bachelor of Science from California State University, Los Angeles (2000).

Professional Background

Legal Basis & Tenure

Appointed as Finance Director based on the decision of the Extraordinary General Meeting of Shareholders on 23 August 2023, with an effective term of office from 25 October 2023.
Concurrently serves as the Director of Sharia Business Unit based on the decision of the Annual General Meeting of Shareholders on 3 April 2024, with an effective term of office from 15 July 2024.

Concurrent Position

Concurrent positions in public companies (in Indonesia and/or overseas):

He has no concurrent position at other public companies.

Concurrent positions in other companies and institutions:

He has no concurrent position at other companies and institutions.

Professional Experience

He has extensive experiences in the banking sector and has served in various leadership positions in several companies, including:

Chief Finance Officer (Finance Director) at Citibank (September 2021–August 2023).
Senior Vice President at PT GoTo Gojek Tokopedia Tbk (December 2020–August 2021).
Senior Vice President at Citibank (January 2017–November 2020).
Executive Vice President at PT Bank Danamon Indonesia Tbk (August 2015–December 2016).
Senior Vice President at Citibank (July 2012–August 2015).
Vice President at Citibank (November 2010–July 2012).
Assistant Vice President at Citibank (March 2008–November 2010).
Manager at Citibank (March 2006–February 2008).
Assistant Manager at Citibank (May 2004–March 2006).
Management Associate at Citibank (April 2003–May 2004).
Internship at IndoverBank-Netherland (August 2001–March 2003).

Eddie Sajoga

Branch Network Director

Indonesian Citizen, 54 years old, resides in Jakarta.

Educational Background

Bachelor of Economics from Atma Jaya University Yogyakarta (1993).

Professional Background

Legal Basis & Tenure

Appointed as Branch Network Director based on the decision of the Annual General Meeting of Shareholders on 3 April 2024, with an effective term of office from 15 July 2024.

Concurrent Position

Concurrent positions in public companies (in Indonesia and/or overseas):

He has no concurrent position at other public companies.

Concurrent positions in other companies and institutions:

He has no concurrent position at other companies and intuitions.

Professional Experience

He has held various important positions, including the following:

Chief of Branch Network PermataBank (January 2023–July 2024).
Head of Network PermataBank (2012–2022).
Head of Region Jakarta PermataBank (2008–2012).

Privacy Notice

Permata Bank

Personal Data Protection Information under Personal Data Protection Law In Indonesia

PT Bank Permata Tbk, a banking company which has been licensed and supervised by Financial Service Authority (the “Bank”, “we” and/or “us”) intends to provide you with quality services in order to meet your expectations, and the Bank realizes the importance of the protection of your personal data and compliance with Law No. 27 Year 2022 regarding Personal Data Protection and relevant laws and regulations.

As part of our commitment to protect your personal data transparently, the Bank has prepared this Personal Data Protection notice (“Privacy Notice”) to inform you, as the personal data subject, of personal data protection and your rights as the personal data subject rights who are:

(1) individuals interacting with the Bank whether an existing, former or prospective customer of the Bank;
(2) individuals, who are permanent and/or non-permanent employees, outsourced employees, officials, representatives, shareholders, directors, beneficial owners, administrators (in the context of suspension of debt payment obligations), curators (in the context of bankruptcy), liquidators (in the context of dissolving a business entity), contact persons, agents, or any person related to a legal entity or individual as mentioned in (1) above, a guardianship (for children or those under guardianship) or a group of people who interact with the Bank, whether as prospective customers, customers or former customers of the Bank;
(3) individuals, who are a former, current or prospective shareholder of the Bank, or any person related thereto;
(4) individuals, who are prospective employees/employees, permanent and/or non-permanent employees/employees, outsourced employees/employees, former employees/employees, officials, directors or commissioners of the Bank, former officials, directors or commissioners of the Bank or prospective directors or commissioners of the Bank or persons related thereto;
(5) individuals related to the Bank, who are permanent and/or non-permanent employees, outsourced employees, officials, representatives, shareholders, directors, beneficial owners, administrators (in the context of suspension of debt payment obligations), curators (in the context of bankruptcy), liquidators (in the context of dissolving a business entity), contact persons, agents, or any person related either as a provider of goods and/or services, former provider of goods and/or services, or prospective provider of goods and/or services to the Bank;

of the protection of your personal data that the Bank receives or will receive from business operation and service provision of the Bank through branches, websites, telephones, electronic channels, applications, social media or other sources, in order to assure you that the Bank will take care of your personal information, and will obtain, collect, use or disclose your personal information only if the Bank deems it necessary, correct and appropriate, the legal basis for the Bank in processing your personal data and efforts to protect personal data. and to notify you of the personal data subject rights as stipulated in this Personal Data Protection Notice.

1. Personal data to be collected, used and disclosed.

Personal Data to be obtained, collected, used, and disclosed by Bank are as follows:

1.1 Data which can identify you as a personal data subject, whether directly or indirectly

(1) Personal information, namely: full name (and aliases, if any), resident identification number, resident identification card (ID Card), family registration card, birth certificate or death certificate, taxpayer identification number, social security number, driving license, place and date of birth, citizenship, passport, temporary/permanent/ limited stay permit, and/or work permit (expatriate), occupation/ occupation history, sex, marital status, marriage certificate, other family member information, including mother’s maiden name, signature, facial photograph, education/ education history, organisation membership, other data and information.
(2) Contact information, namely, residential address according to ID Card and any other residential address (if any), address for document delivery, electronic mail address (email address), home phone number, mobile phone number, facsimile number, information of contact person provided to the Bank, working address and contact number (if any);
(3) Information regarding financial conditions and transaction with the Bank, namely, saving account number, deposit account number, investment account number, current account number, credit card number, debit card number, type of credit and debit cards, deposit account movement, information on transactions made through electronic cards or via electronic or digital channels, income and expenditure information, credit information, credit rating information, debt payment information, asset information, financial status information, risk assessment information (such as information relating to suitability test for investment, financial transaction, investment aptitude, debt payment, or compliance with terms and conditions of service agreements), information generated from an analysis of personal data, information on any wrong doing including accusation thereof, information on any litigation or prosecution instituted against the personal data subject and enforcement thereof, information relating to taking out of insurance initiated by, or investments made through, the Bank, information on making or receiving payments, information for compliance with laws on Anti-Money Laundering and the US Foreign Account Tax Compliance Act (FATCA), any other information related to the use of or request for services and to the making of transactions with the Bank;
(4) Information relating to any contact with the Bank, namely, information received by the Bank through branches, telephones, electronic or digital channels, social media, information from closed circuit TV (“CCTV”) camera and off-site services which may be displayed or recorded in written form, voice or transaction tape recording, photos or videos;
(5) Technical information, namely, internet protocol (IP) address, media access control (MAC) address, the identification code affixed to the network and the devices connected thereto (MAC Address), log, device ID, application programming interface (API), cookies, type and version of plug-in, browser, operating system and platform, internet system or mobile network, geographic location, device setting and other technical data derived from the use of platform, application and operating system of the Bank;
(6) Usage information, namely, username, password, search information, visit statistics, menu used, time spent on the website, platform and application, timestamp of last click, favorite items, Q&A, log file, communication information with the Bank;
(7) Behavioral information, namely, information relating to personal interests or preferences, and manner of use or of service utilization.

1.2 Sensitive personal data that the Bank must obtain your consent before collection thereof, namely, information concerning biometric data (such as facial recognition, fingerprint recognition, iris recognition and voice recognition data), religion, criminal record, health data, disability or any other data as prescribed by the Personal Data Protection laws and Regulations.

The Bank will only collect personal data of children under the age of 18 (eighteen) years only if the child is a customer of the Bank, or if you provide your child's personal data and consent to its processing. In any processing we do related to a child's personal data, we assume that the child's guardian has done what is supposed to be done, including reading and understanding this Privacy Notice.

2. Purposes of collection, use and disclosure of your personal data

Bank will collect, use and disclose your personal data in accordance with the processing basis prescribed by the laws, namely:

(1) fulfilment of contract obligations made with, or compliance with your request/application made to Bank;
(2) fulfilment of legal obligations which are required to be complied with by Bank;
(3) fulfilment of other legitimate interest of the Bank or any other person or juristic person without disregarding the rights of personal data subjects, especially in efforts to improve Bank products and/or services;
(4) carrying out duties in the context of public interest, public services, or exercising the authority of the Personal Data Controller based on laws and regulations;
(5) fulfilment of the protection of vital interest for prevention of danger to a person’s life, body or health; or
(6) an explicit valid consent from you for 1 (one) or several specific purposes that has been submitted by Bank to you in cases that do not fall within the processing basis specified in (1) to (5);

for the following purposes:

2.1 communicating or providing information related to or in connection with the products or services of the Bank that you utilize or will utilize;

2.2 performing the Bank’s obligations as stated in your request/application or agreement made to the Bank, or in connection with such request/application or agreement, such as, sending and receiving of documents and debt collection, as well as compliance with an agreement made between the Bank and any other person which is necessary and related to services provided to you;

2.3 managing your relationship with the Bank, and preparing details or records of your utilization of services for providing further service to you;

2.4 managing the information of corporate customers or non-individual which may contain your personal data;

2.5 complying with relevant laws and regulations;

2.6 verifying and identifying your identity in accordance with the Know Your Customer procedures of the Bank, including verifying your information and auditing such verification in accordance with the procedures prescribed by the laws and the Bank;

2.7 taking any action as required or recommended by the supervisory authorities, such as actions to prevent vulnerable customers from certain restrictions or to prevent elderly customers from engaging in certain types of transactions, and actions for damage control;

2.8 managing and administrating the Bank's internal operations, such as, supervising, improving and auditing the Bank's internal operations;

2.9 managing or dealing with the risks, such as:

(1) preventing, dealing with, or mitigating, risks arising from illegal actions that may occur to you, the Bank’s customers, staffs and the Bank, by using those information for improvement of security system relating to the utilization of services via various channels, the operating system and the security system in the Bank’s information technology operation;
(2) providing security, such as, video recording (through CCTV) of visitors or customers who contact or transact with the Bank and identity card exchange before entering a building for the purpose of security within the Bank’s premises;
(3) risk management related to business operation of financial institutions, such as, credit risk, operational risk, compliance risk, legal risk, reputation risk, liquidity risk, strategic risk and market risk;

2.10 providing and offering products, services and their alternatives to you, which include public relations, communication, notification, offering or presenting privileges, benefits, rewards or information relating to products or services of the Bank, companies in the Bank's financial business group or business partners that may be of your interests; or organizing events and promotions, participating in the sweepstakes, or providing drawing prize for you;

The Bank will ask for your consent separately for additional or new product or service offering activities as listed above, for example when opening an account. You may also withdraw your consent to the processing of your personal data for the purposes of these offering activities at any time by contacting the Bank Contact as stated in this Privacy Notice.

2.11 examining the use of services or transactions/ activities effected in accordance with your or your counter party’s instructions;

2.12 administering services and managing complaints, such as examining transactions/activities resulting from the use of financial services, erroneously effected financial transaction, or transmitting of data within the Bank or between the Bank and any other party, or accommodating customer complaints, providing compensation, or using information to improve the work process on such matters;

2.13 making statistical analysis or research related to the business operation of the Bank and the companies in the Bank's financial business group or the Bank’s affiliates;

2.14 making adjustment to the Bank’s strategy, protecting benefit or evaluating the performance or services of the Bank;

2.15 evaluating, developing and improving the Bank’s products or services, or exercising the Bank's rights (such as making credit scoring model, behavior scoring, and market surveys), and disclosing information generated from such evaluation to you for your financial planning or utilization of other services of the Bank or to the companies within the Bank's financial business group or business partners;

2.16 organizing promotional projects or activities, meetings, seminars, recreation and workplace site visits as well as recording information or photographs for publication or advertisement, and performing and complying with applicable laws;

2.17 storing data in a cloud storage and in other systems used by the Bank;

2.18 performing the Bank’s obligations under terms and conditions specified in an agreement to which the Bank is a party or enforcing legal or contractual rights of the Bank;

2.19 connecting to or facilitating the access to website, applications and platforms of the Bank or any other person;

2.20 performing personal background check as necessary or relevant to the consideration on your qualification as required by laws and specified by the Bank;

2.21 acting as representative, performing its obligation, executing, or carrying out any action in relation to a course of business of the Bank; or

2.22 managing any matter related to securities holders or proxies, attorneys or members of provident/ pension fund as well as performing its obligations as a securities issuer, or a business operator in relation to or in connection with securities business, or a contracting party with a securities issuer, or a business operator in relation to or in connection with securities business.

The collection, use or disclosure of your personal data as aforesaid shall also include the sending or transferring of your personal data overseas that the Bank has proceeded in accordance with the said principles.

3. Persons or entities to whom the Bank may disclose your personal data

The Bank may be required to disclose your personal data to other persons or entities located in Indonesia or overseas in order to achieve the purposes stated in this Privacy Notice, namely:

3.1 The controlling shareholders of the Bank and affiliated parties of the Bank as published on the Bank’s website;

3.2 The Bank’s business partners, such as, business partners of the Bank relating to financial business, banking, service provision, investment, marketing, transportation, telecommunication, healthcare center, general insurance, life insurance, health (non-life) insurance or any person involved in any promotion or loyalty program or data analysis; or platform provider or person whose name or logo appears in an agreement with the Bank, or electronic card, website or any other service channels of the Bank;

3.3 Third Parties involved in the Bank’s provision of services, such as, those who act as intermediaries in banking transactions, settlement or payment service providers, the Bank’s service partners, outsource service providers, the Bank’s contractors or sellers of goods or services or the Bank’s agents both domestically and internationally, with whom the Bank has agreement or contract, e.g. infrastructure development service providers, internet service providers, telecommunication and communication service providers, technical infrastructure service providers, electronic system or information technology development service providers, logistics and warehousing service providers, cloud service providers, and research service providers, data analysis service providers, communication service providers, survey service providers, event and activities organizers, identity verification system service providers, Dip Chip service providers, identity verification service providers, credit rating agencies, courier service providers, producing of, and recording of data on, electronic cards service providers, the service providers who offers to sell the Bank's financial products or services and security and fraud prevention service providers;

3.4 Persons or authorities prescribed by laws. The Bank may be required to disclose your personal data in order to comply with laws, rules, regulations or orders of government agencies, regulatory authorities or where the Bank believes that any action is necessary for compliance with the laws for protection of the rights of the Bank or any other person, for the safety of any person, for prevention and investigation of, or dealing with fraud, or for security or safety in various aspects;

3.5 The Bank’s consultants, such as financial consultant, legal consultant, notary, technical consultant and auditor;

3.6 Assignees of rights, obligations or claims of the Bank, including those involved in corporate restructuring, business transfer, investment, merger and acquisition, purchase or sale of assets, shares, or business, in which case the persons involved in such actions will also comply with this Privacy Notice;

3.7 Other persons related to you, such as, owners of a joint saving or deposit account, joint debtors, trustees, beneficiaries, estate administrators, authorized persons, guarantors or any persons placing assets as security for your debt payment to the Bank, administrator or receiver;

3.8 Associations, organizations, clubs and agencies, such as, the National Bankers' Association, banks and financial institutions;

3.9 Websites and social media, such as, LinkedIn, Facebook, Google, or Instagram.

4. Storage and retention period of your personal data

4.1 Retention of your personal data. The Bank has established security measures for protection of your personal data, whether in document and electronic form, in order to prevent loss, unauthorized or unlawful access, use, alteration, correction or disclosure of personal data.

4.2 Retention period of your personal data. The Bank will collect your personal data for the purposes notified to you in this Privacy Notice as required by the laws and for a maximum of 10 (ten) years from the cessation date of your relationship with the Bank;

unless the Bank is otherwise justified by laws or such personal data are data that cannot be deleted or destroyed due to technical limitations.

5. Outbound transfer of your personal data

In case the Bank is required to send or transfer your personal data to a person overseas, such as, your counter party or the Bank's counter party, the Bank’s representative, the Bank’s overseas branches, the Bank’s affiliates, or international agency or organization, it must be noted that the recipient country may have inadequate standard for personal data protection as required by laws. The Bank will nevertheless provide appropriate measures to ensure that your personal data sent to such recipient is sufficiently secured.

6. The data collection through the Bank’s website and/or applications

The Bank will automatically collect certain information from your use of the Bank’s website and/or applications for the purposes stated in this Privacy Notice, for example, the information recorded or collected by cookies and similar technologies utilized by the Bank will be used for statistical analysis, other activities of the Bank’s website, and/or applications or the Bank's business so as to enable the Bank to enhance your experience when browsing the Bank’s website and/or applications, as well as improving the efficiency and quality of the Bank's website and/or applications services.

7. Rights of the personal data subject

Subject to the exception provided by the prevailing laws and regulations, your rights as the personal data subject are as follows:

7.1 Right to request access and obtain a copy of personal data

You have the right to request access to and obtain a copy of your personal data in the Bank's responsibility in accordance with the provisions of laws and regulations in a form that conforms to the structure and/or format commonly used or can be read by electronic systems.

7.2 Right to obtain or send or transfer personal data to another data controller

You have the right to obtain your personal data provided to the Bank with your consent, or collected by the Bank as may be necessary for the performance under the agreement or application made to the Bank or as prescribed by the relevant Personal Data Protection laws and regulations, where the Bank has made such personal data in a form readable or generally usable by means of automated tools or devices and such personal data can be used or disclosed by automated means. In addition, you also have the right to (1) request the Bank to send or transfer personal data in the said form to another data controller when it can be processed via automated means and (2) request to obtain personal data sent or transferred by the Bank in the above-mentioned form to another data controller unless it cannot be technically effected.

7.3 Right to object

You have the right to object to the Bank’s collection, use or disclosure of your personal data in the event that:

(1) the Bank has collected your personal data to the extent necessary for the purpose of performing the Bank’s tasks for public interest or exercising of rights entrusted to government agencies, or for legitimate interest of the Bank or other persons or juristic persons;
(2) the Bank has collected, used or disclosed your personal data for direct marketing purposes, or
(3) the Bank has collected, used or disclosed your personal data for scientific, historical or statistical purposes;

unless it is necessary to perform the Bank’s task for public interest.

7.4 Right to erase or destroy personal data

You have the right to request the Bank to erase, destroy or anonymize your personal data if:

(1) your personal data is no longer necessary for the Bank to keep for the purposes here in;
(2) you withdraw your consent and the Bank has no lawful basis to collect, use or disclose such personal data;
(3) you object to the collection, use, and disclosure of your personal data already collected by the Bank for the necessity of performing the Bank’s tasks for public interest or exercising of rights entrusted to government agencies or for legitimate interests of the Bank or other persons or juristic persons, and the Bank has no justifiable ground to reject such objection;
(4) you object to the collection, use or disclosure of your personal data for direct marketing purposes; or
(5) your personal data has been unlawfully collected, used or disclosed, provided that the Bank may keep your personal data as necessary for its compliance with any laws, institution of legal claims, exercising of the Bank's rights or the Bank’s defending of other parties’ claims.

7.5 Right to suspend the use of personal data

You have the right to suspend the use of your personal data in the event that:

(1) the Bank is in the process of verifying your personal data to be accurate and up-to-date as requested;
(2) the Bank has unlawfully collected, used or disclosed your personal data;
(3) it is no longer necessary for the Bank to collect, use or disclose your personal data for any purpose, but you have requested the Bank to collect your personal data for your lawful interest; or
(4) the Bank is in the process of verification or examination of your objection request to the Bank’s collection, use or disclosure of your personal data.

7.6 Right to rectify personal data

You have the right to request the Bank to rectify your personal data so as to be accurate, up-to-date, complete and not misleading.

7.7 Right to withdraw consent

You have the right to withdraw your consent given to the Bank for the collection, use and disclosure of your personal data at any time.

7.8 Right to give notice of revocation of consent

You have the right to revoke your consent for the collection of personal data already collected by the Bank before Law No. 27 Year 2022 regarding Personal Data Protection came into effect by giving a notice of revocation of consent to a main branch or unit of the Bank from which you utilize or used to utilize the Bank’s services.

7.9 Right to lodge a complaint

You have the right to lodge a complaint to any competent agency or any entity with legal authority in the event that the Bank or its data processor, including employees or contractors of the Bank violate or do not comply with laws on personal data protection.

If you wish to exercise any rights under Clauses 7.1 to 7.7 set forth above, you can submit a request to the Bank through any branch of the Bank or through any other channel prescribed by the Bank. Once the Bank receives your request, the Bank will consider your request in accordance with the rules and regulations prescribed by the laws, comply with your request, and notify you of the result of the consideration and action taken within 30 (thirty) calendar days from the date of receipt of the request and all the supporting documents.

If you exercise any right of personal data subject, you may not be able to utilize certain services of the Bank while the Bank is in the process of considering or complying with your request.

The Bank will not charge a fee for exercising the said right, unless the Bank deems that your request is excessive or unreasonable. The Bank may charge a fee for compliance with your request at the rate announced by the Bank.

Provided that you may request to exercise your rights as from the date Law No. 27 Year 2022 regarding Personal Data Protection comes into effect.

8. Amendment to this Privacy Notice

The Bank may amend this Privacy Notice from time to time as it deems appropriate and the Bank will notify you of such amendment through the Bank's branches, websites and applications. The Bank recommends that you read and check the details of Privacy Notice every time any such amendment is made.

9. Contact Information

If you wish to contact or would like to receive more information or explanations on the collection, use and disclosure of your personal data, as well as the exercise of rights of the personal data subject specified in this Privacy Notice, please contact a main branch or unit of the Bank from which you utilize or used to utilize the Bank’s service.

Furthermore, you can contact Data Protection Office at email address dpo@permatabank.co.id.

Updated October 2024

Professionality in Banking Services

__NAME__

__POSITION__

Privacy Notice

Permata Bank

What can we help?

© Copyright 2024 - PT Bank Permata, Tbk. All rights are protected by law.

Information Policy

Link to Other Websites

NAME

POSITION