A long journey of 50 years has led PaninBank to become a BUKU 4 category bank in 2019, with a strong retail and commercial customer base and digital banking capabilities that keep up with the times. The progress achieved consistently by PaninBank is the result of implementing a philosophy that emphasizes a balance between the principle of prudence and progressive business growth. By always adhering to the value of prudence in carrying out risk management, PaninBank was able to get through a period full of uncertainty and economic shocks. On the other hand, business growth is maintained to remain competitive, so that PaninBank can continue to position itself as one of the banks in the 10 largest banks in Indonesia.