Question 1

What is Bank Kalbar?

Accepted Answer

Bank Kalbar (PT Bank Pembangunan Daerah Kalimantan Barat) is a regional development bank headquartered in Pontianak, West Kalimantan, Indonesia. As one of Indonesia's Regional Development Banks (Bank Pembangunan Daerah or BPD), it focuses on supporting regional economic growth and providing financial services to local communities. The bank is 100% owned by the provincial, regency, and municipal governments throughout West Kalimantan, making it a government-owned financial institution dedicated to regional development.

Bank Kalbar operates as a full-service commercial bank with both conventional and Islamic banking services, serving retail customers, businesses, and government entities across West Kalimantan province.

Question 2

When was Bank Kalbar founded?

Accepted Answer

Bank Kalbar was established based on Regional Regulation No. 1 of 1963 as a regional enterprise (Perusahaan Daerah). The business license was issued by the Minister of Central Bank Affairs/Governor of Bank Indonesia through Decision Letter No. 44/63/Kep/MUBS/G on November 28, 1963. The bank was officially inaugurated on April 15, 1964.

The bank underwent significant transformation in 1999, when it converted from a regional enterprise to a limited liability company (Perseroan Terbatas) based on Regional Regulation No. 1 dated February 2, 1999. This conversion was formalized through Notarial Deed No. 81 by Notary Widiyansyah, SH on April 23, 1999, and approved by the Minister of Justice on May 5, 1999.

In December 2005, Bank Kalbar expanded its operations by launching Islamic banking services with the opening of Bank Kalbar Syariah Branch in Pontianak, marking another milestone in its evolution to serve diverse customer needs.

Question 3

Where is Bank Kalbar headquartered?

Accepted Answer

Bank Kalbar is headquartered in Pontianak, the capital city of West Kalimantan Province, Indonesia. The bank also maintains a presence in Jakarta, the nation's capital, to facilitate broader financial operations and government relations.

Question 4

Where does Bank Kalbar operate?

Accepted Answer

Bank Kalbar operates throughout West Kalimantan Province, serving all regencies and cities within the region. The bank maintains an extensive service network consisting of 1 head office, 21 branch offices, 59 sub-branch offices, 1 micro business unit, 58 cash offices, 22 mobile cash units, 63 payment points, and 65 Islamic banking service units. This widespread presence enables the bank to reach both urban and rural communities across the province.

The bank's ATM network includes over 208 ATM machines and 14 Cash Deposit Machines (CDM) strategically located throughout West Kalimantan.

Question 5

What services does Bank Kalbar offer?

Accepted Answer

Bank Kalbar provides comprehensive banking services including:

Retail Banking: Savings accounts, time deposits, current accounts, and the BeKa Pandai basic savings account for financial inclusion programs.

Credit and Financing: Loans for individuals, micro, small and medium enterprises (MSMEs), commercial lending, and infrastructure project financing. The bank particularly emphasizes support for local businesses and regional economic development.

Islamic Banking Services: Full-service Syariah banking operations available through dedicated Islamic banking units across the province.

Digital Banking: Mobile Banking application enabling balance inquiries, inter-bank transfers, bill payments, mobile credit purchases, and utilities payments. Internet banking services for convenient online transactions.

Payment Services: Integration with ATM Bersama (national ATM network), ATM Prima, ATM Club, Malaysian Electronic Payment System (MEPS), BPD-Net Online for inter-regional bank transactions, and Western Union money transfer services.

Government Services: Treasury services, regional government account management, tax payment facilities (including property tax and vehicle tax), and support for government infrastructure projects.

The bank offers extended hours service at A. Yani Mega Mall Pontianak, operating from 10:00 AM to 10:00 PM, seven days a week including national holidays.

Question 6

What makes Bank Kalbar unique?

Accepted Answer

Bank Kalbar stands out as a locally-owned financial institution with 100% ownership by West Kalimantan's provincial, regency, and municipal governments. This ownership structure creates a strong sense of community ownership, where residents feel they are stakeholders in the bank's success. The bank's mission explicitly focuses on regional economic development rather than purely profit maximization.

The bank successfully completed a banking recapitalization program in 2004, with local governments repurchasing all shares previously held by the central government, demonstrating strong regional commitment to maintaining local control.

Bank Kalbar demonstrates exceptional operational resilience, maintaining very healthy financial indicators with Non-Performing Loans (NPL) averaging 0.90% and Capital Adequacy Ratio (CAR) at 46.43% as of 2021. These metrics significantly exceed regulatory requirements and reflect prudent management.

The bank actively engages in corporate social responsibility programs supporting health, education, and community development initiatives, including significant contributions to stunting prevention programs in alignment with national health goals.

Question 7

What type of financial institution is Bank Kalbar?

Accepted Answer

Bank Kalbar is classified as a Regional Development Bank (Bank Pembangunan Daerah or BPD) in Indonesia. This is a specific category of Indonesian commercial banks established and owned by provincial governments to support regional economic development and provide financial services to local populations.

Regional Development Banks operate under Indonesian Law Number 13 of 1962 and Law Number 16 of 1999, which mandate these institutions to focus on regional development priorities while providing commercial banking services. As a BPD, Bank Kalbar functions as a universal bank offering retail, commercial, and government banking services, with a particular emphasis on supporting local economic growth, infrastructure development, and MSME financing.

The bank is licensed and supervised by Indonesia's Financial Services Authority (Otoritas Jasa Keuangan or OJK) and is a participant in the Indonesia Deposit Insurance Corporation (Lembaga Penjamin Simpanan or LPS) guarantee program.

Bank Kalbar

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About Bank Kalbar in Indonesia