Question 1

What is Bank Bengkulu?

Accepted Answer

Bank Bengkulu (officially PT Bank Pembangunan Daerah Bengkulu) is a regional development bank in Indonesia that serves Bengkulu Province. As a Bank Pembangunan Daerah (BPD), it operates as a government-owned financial institution established to support regional economic development and serve as a treasury bank for the provincial government. The bank is jointly controlled by the Bengkulu Provincial Government and PT Bank Pembangunan Daerah Jawa Barat dan Banten (Bank BJB), which became a controlling shareholder through a Bank Business Group (Kelompok Usaha Bank or KUB) arrangement in 2024.

Question 2

When was Bank Bengkulu founded?

Accepted Answer

Bank Bengkulu was established on August 9, 1969, through a decree issued by the Governor of Bengkulu Province (Number 08/14/EKU/1969), which was subsequently approved by the Minister of Home Affairs. The bank received its operational license from the Minister of Finance on April 7, 1971, and officially commenced banking operations on April 13, 1971.

The bank was formally inaugurated by Governor M. Ali Amin and Pangdam IV Sriwijaya Brigadier General Satibi Darwis. H. Mochtar Azeharie, who had previously worked at Bank Indonesia, was appointed as the bank's first President Director and is recognized as the founding figure of the institution.

In 1999, as part of Indonesia's banking recapitalization program following the Asian financial crisis, Bank Bengkulu transformed its legal structure from a regional public company (Perusahaan Daerah) to a limited liability company (Perseroan Terbatas) through a notarial deed dated May 1, 1999.

Question 3

Where is Bank Bengkulu headquartered?

Accepted Answer

Bank Bengkulu is headquartered in Bengkulu City, the capital of Bengkulu Province, located on the southwestern coast of Sumatra Island. The bank's main office is situated at Jalan S. Parman No. 57, Padang Jati, Ratu Samban District.

Question 4

Where does Bank Bengkulu operate?

Accepted Answer

Bank Bengkulu operates exclusively within Bengkulu Province in Indonesia. The bank maintains a comprehensive network across all regencies and municipalities in the province, including Bengkulu City, Bengkulu Utara (North Bengkulu), Bengkulu Selatan (South Bengkulu), Bengkulu Tengah (Central Bengkulu), Rejang Lebong, Lebong, Kepahiang, Seluma, Kaur, and Mukomuko.

As of recent reports, the bank operates more than 15 branches throughout the province, along with numerous sub-branches, cash offices, payment points, and over 30 ATMs strategically located to serve communities across Bengkulu.

Question 5

What services does Bank Bengkulu offer?

Accepted Answer

Bank Bengkulu provides a comprehensive range of banking services designed for both retail and commercial customers:

Deposit Products: The bank offers various savings accounts including Simpanan Warga (Community Savings) with competitive interest rates, as well as time deposits with flexible terms.

Credit and Financing: Bank Bengkulu focuses heavily on empowering micro, small, and medium enterprises (MSMEs) through products such as Kredit Usaha Rakyat (KUR) and microfinance programs. The bank also provides consumer financing including home mortgages (Kredit Pemilikan Rumah/KPR), vehicle financing (Kredit Kendaraan Bermotor/KKB), and specialized credit for religious purposes and civil servant loans.

Digital Banking Services: The bank has invested significantly in digital transformation, offering Mobile Banking Bengkulu, Internet Banking, and SMS Banking services that allow customers to perform transactions anytime, anywhere. The bank supports modern payment systems including BI-FAST, QRIS (Quick Response Code Indonesian Standard), electronic money (e-Money), and EDC (Electronic Data Capture) services.

Government Services: As a regional treasury bank, Bank Bengkulu manages regional tax and levy payments through specialized host-to-host connections with local government systems.

Question 6

What makes Bank Bengkulu unique?

Accepted Answer

Bank Bengkulu stands out for its strategic partnership with Bank BJB through the Bank Business Group (KUB) structure, which became effective in March 2024. This collaboration has provided Bank Bengkulu with a capital injection of Rp250 billion, enabling the bank to meet regulatory minimum capital requirements while maintaining its regional focus.

The KUB arrangement allows Bank Bengkulu to leverage Bank BJB's technological infrastructure, digital banking platforms, and operational best practices while retaining its identity as Bengkulu's local bank. This includes access to advanced digital payment systems, fintech integrations, and shared IT resources that would otherwise be cost-prohibitive for a regional bank.

Bank Bengkulu's ownership structure is also distinctive, with shareholders comprising the Bengkulu Provincial Government and all nine regency and municipal governments within the province, alongside Bank BJB. This multi-stakeholder model reflects the bank's commitment to serving the entire province while maintaining close ties to local government economic development initiatives.

The bank has demonstrated strong financial performance, recording ROA of 1.27%, ROE of 6.79%, and a robust CAR of 26.46% in recent years. The bank has won recognition including the TOP BUMD 2023 award for financial performance excellence.

Question 7

What type of financial institution is Bank Bengkulu?

Accepted Answer

Bank Bengkulu is classified as a Bank Pembangunan Daerah (BPD), which translates to Regional Development Bank. In Indonesia's banking classification system, BPDs are state-owned banks established by provincial governments to support regional economic development and serve as regional treasury banks.

Under Indonesia's banking regulations, Bank Bengkulu operates as a general commercial bank (Bank Umum) and is also designated as a cash holder for regional government (Pemegang Kas Daerah). This dual role means the bank both provides standard commercial banking services to the public and manages financial transactions for the Bengkulu Provincial Government and local governments throughout the province.

Since joining Bank BJB's Bank Business Group (KUB) in 2024, Bank Bengkulu has maintained its BPD status while benefiting from the capital strength and operational support of its parent company, allowing it to better fulfill its mandate of supporting regional economic development and financial inclusion in Bengkulu Province.

Bank Bengkulu

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About Bank Bengkulu in Indonesia