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About GCG


1. ANTI FRAUD DECLARATION
Anti Fraud Declaration is a clear and proper statement on the management’s stance against frauds. In this Declaration, PaninBank asserted its commitment for “Zero Tolerance to Fraud” in running its business based on a high code of conduct and legal standard for not committing any fraud or other improper conducts.

2. GUIDELINE ON CODE OF CONDUCT
Through this guideline, the Bank communicates to all the Bank’s employees and management about their expected actions and conducts.  They shall be responsible for their own conducts and they shall be accountable for all their actions.
Standard ethique is an expected conduct by all the Bank’s employees and management based on such expectation. This guideline must be used as a basis for all employees in making any conduct.
This guideline should be applied based on the Bank’s applicable policies and it shall be periodically reviewed the Bank’s dynamic development and adjusted with this Anti Fraud policy.

3. WHISTLE BLOWING SYSTEM

4. CUSTOMER AWERENENESS
The application of GCG started with an awarness raising campaign through various socialization programs at all levels e.g, customer awereness, which is an education provided by the Bank for customers.
Such education is in the form of taglines on its banners at branch offices and ATM screens.

Tagline on banners:

    • Do not keep or give your money or bank documents (such as saving books, bilyet deposito, cheque books and bilyet giro books, signed transaction slips, and ATM / Debit cards) to anyone (including the Bank’s employee outside the Bank’s official counter).
    • Do not sign any blank form or document.
    • Do not tell your PIN to anyone (including the Bank’s employee).
    • It is safer to make bank transactions through Internet banking using token.
    • Make your transactions at an ATM inside the Bank’s branch office.

Tagline on ATM screen:

    • Change your PIN periodically.
    • Before making any transaction at ATM, make sure there is no skimmer or other tapper around you.
    • Always keep your PIN confidential.
    • Change your PIN periodically i.e., every 2-3 months.

5. ANTI MONEY LAUNDERING AND KNOW YOUR CUSTOMER PRINCIPLES

PT Bank Panin Tbk has been applying the Anti Money Laundering and Know Your Customer Principles since the enactment of Bank Indonesia’s Regulation No 3/10/PBI/2001 concerning Know Your Customer Principles in 2001.

Bank Indonesia, PPATK and the Bank’s Internal Auditors shall periodically monitor the application of Anti Money Laundering and Know Your Customer Principles by PT Bank PaninTbk.

To apply these principles consistently and sustainably, the Bank’s UKPN unit take following actions:
  • Preparing programs to apply Anti Money Laundering and Know Your Customer Principles;
  • Preparing policies and procedures on Anti Money Laundering and Know Your Customer Principles;
  • Conducting training and socialization on Anti Money Laundering and Know Your Customer Principles for all employees;
  • Monitoring /auditing the application of Anti Money Laundering and Know Your Customer Principles;
  • Preparing an organization to be reponsible for applying Anti Money Laundering and Know Your Customer Principles; and
  • Preparing an informatin technology system to support the application of Anti Money Laundering and Know Your Customer Principles.

By conducting these activities, PT Bank Panin Tbk is fully committed to support the Government’s program in eliminating money laundering and creating a healthy banking system.