Wide range of products and services: Panin Bank offers various financial products including credit cards, loans, and wealth management options, catering to diverse client needs.

Established presence: With a history dating back to 1971, Panin Bank has built a reputation and experience in the Indonesian banking sector, suggesting stability.

Convenience: The bank provides multiple channels for account management, including physical branches and a user-friendly mobile banking platform, enhancing customer accessibility.

Lack of regulatory oversight: Panin Bank operates without valid regulatory supervision, which raises concerns about the safety of customer funds and overall trustworthiness.

High potential risk: The absence of regulation implies higher risks for clients, as their investments may not be adequately protected.

Suspicious regulatory license: The bank's lack of a legitimate regulatory framework can lead to doubts regarding its legitimacy and accountability in operations.