Bank Negara Indonesia

What Bank Negara Indonesia does

PT Bank Negara Indonesia (Persero), Tbk (BNI) is one of Indonesia's oldest and largest state-owned commercial banks, founded in 1946 and listed on the Indonesia Stock Exchange under ticker BBNI. Headquartered in Jakarta, the bank provides integrated financial services across five primary segments: personal banking (savings, mortgages via BNI Griya, personal loans, credit cards), MSME (Xpora platform, BNIdirect bisnis), corporate and treasury (BNIdirect, BNI Digihedge, trade finance, Solusi Wholesale), international banking (nine overseas offices across Singapore, Hong Kong, Tokyo, Osaka, Seoul, New York, London, Amsterdam, and Sydney), and wealth management (BNI Emerald, BNI Private, BNI Simponi pension program with 4.6M+ members).

BNI's core technology stack centers on the wondr by BNI mobile banking application for retail customers, BNIdirect corporate internet banking, and a centralized Finastra Trade Innovation platform deployed across nine international locations in January 2026. The API Digital Services Portal (upgraded 2023, sandbox expanded 2024) supports corporate client integration. Distribution combines physical infrastructure (branches, ATMs, BNI Agen46 agent network) with digital channels. Revenue derives primarily from interest income on lending products (consumer, MSME, corporate), transaction-based fees and commissions (trade finance, remittances, payments), and subsidiary income (63.92%-owned Bank Mayora for digital banking, DPLK BNI for pension management). The bank is controlled by the Government of Indonesia, which injected Rp 55 trillion in capital in September 2025 and proposed a mega-merger with three other state-owned banks in April 2026 to create a ~$560 billion combined institution.

Name

Bank Negara Indonesia

Legal name

PT Bank Negara Indonesia (Persero), Tbk

Website

https://bni.co.id

Company type

Public

Founded year

1946

Operating status

Operating

Headcount range

5,001–10,000 employees

Short description

BNI is Indonesia's oldest state-owned commercial bank, providing integrated retail, MSME, corporate, international, and wealth banking services through extensive domestic branches, nine international offices, and digital platforms (wondr, BNIdirect) to individual, business, and institutional clients.

Ownership category

akta.pro rank

Headquarters

HQ city

Jakarta

HQ country

Indonesia

HQ region

Asia

Offices10 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Others

Revenue model

1. Interest Income: Primary revenue stream from lending activities including consumer loans (BNI Griya mortgage, BNI Instan, BNI Fleksi), corporate lending, and MSME financing. Interest rates vary by product with competitive fixed rates for mortgages.
2. Fee and Commission Income: Transaction fees from trade finance, remittance services, payment processing, ATM transactions, and account maintenance fees across personal, MSME, and corporate segments.
3. Subsidiary Income: Income from subsidiaries including Bank Mayora (63.92% owned) for digital banking expansion and wealth management through DPLK BNI Simponi pension program.
4. Mortgage and Property Lending: BNI Griya home financing products with fixed rate periods of 1-10 years, offering competitive rates for property purchases, construction, refinancing, and takeovers.

Pricing tiers

Go-to-market motion4 records

Distribution channels7 records

Marketing channels5 records

Core offering

Bank Negara Indonesia (BNI) is an Indonesian state-owned commercial bank that provides integrated financial services across personal, MSME, corporate, international, and wealth management segments. The bank offers savings accounts, time deposits, consumer loans (BNI Griya mortgages, BNI Instan, BNI Fleksi), corporate banking and trade finance, treasury hedging via BNI Digihedge, MSME support via the Xpora ecosystem, wealth management through BNI Emerald and BNI Private, and a digital banking suite including the wondr mobile app and BNIdirect platforms.

Product overview

Bank Negara Indonesia (BNI) operates a comprehensive multi-channel banking platform offering retail, corporate, and wealth management products. The core digital banking offerings include wondr by BNI (mobile banking app for personal banking), BNIdirect (corporate internet banking), and BNIdirect bisnis (SME-focused platform), supported by extensive self-service channels including mobile, internet, SMS, ATM, and agent banking (Agen46). Retail lending is anchored by mortgage products (BNI Griya, KPR Sejahtera BNI) and personal loans (BNI Instan, BNI Fleksi), while deposit products span savings accounts (Taplus variants for different segments), time deposits (BNI Deposito), and pension products (BNI Simponi). Corporate services include trade finance, treasury products (BNI Digihedge), and wholesale solutions (Solusi Wholesale). Wealth management is served through BNI Emerald (premium banking) and BNI Private. The Xpora platform extends the ecosystem to MSMEs with business tools and market access.

Differentiator

Problem solved

Functional benefit

Brands

• wondr by BNI: Personal mobile banking app for transacting, checking cash flow, and growing assets
• BNIdirect
• BNIdirect bisnis
• BNI Xpora
• BNI Emerald
• BNI Private
• BNI Simponi
• BNI Griya
• BNI Deposito
• BNI Taplus

Products and services

• wondr by BNI Personal mobile banking application for individual customers providing transactions, cash flow management, savings and investment management, fund transfers, bill payments, e-wallet top-ups, and QRIS payments.
• BNIdirect Corporate internet banking platform for large companies to manage cash, trade, foreign exchange, receivables, and supply chain financing.
• BNIdirect bisnis SME-focused digital banking platform for UMKM businesses with single authorization, financial recap, instant transfer, and B2B Pertamina integration.
• BNI Xpora Digital ecosystem for MSME businesses providing tools for business checkup, market expansion, funding solutions, and business account opening.
• BNI Griya Property-backed consumer mortgage financing for home purchase, construction/renovation, top-up, refinancing, and take-over, with tenors up to 30 years and competitive fixed rates.
• KPR Sejahtera BNI Subsidized housing financing liquidity facility for low-income earners (MBR) under government housing programs.
• BNI Instan Personal credit facility secured against Time Deposit, Current Account, or Savings held at BNI.
• BNI Fleksi Personal loan for active salaried employees with fixed income for consumptive purposes.
• BNI Fleksi Pensiun Loan facility for pensioners to support retirement financial needs.
• BNI Taplus Savings Accounts Family of savings accounts including Taplus (primary), Taplus Anak (children), Taplus Muda (youth), Taplus PMI (migrant workers), and Taplus Bisnis (business).
• BNI Deposito Term deposit product in Rupiah and foreign currencies with 1, 3, 6, 12, or 24 month tenors, usable as credit guarantee and LPS-insured.
• BNI Giro Current account product for individuals and businesses.
• BNI Dollar Foreign currency savings account.
• wondr multicurrency Multi-currency savings account.
• BNI Simponi Defined contribution pension program managed by DPLK BNI, the largest pension fund by assets in Indonesia since 2001, with 4.6 million members and multiple investment package options.
• BNI Tapenas Goal-based target savings plan for achieving specific financial objectives.
• BNI Tapenas Life Goals Life-goal-based savings plan tailored to specific customer milestones.
• BNI Payroll Payroll disbursement service for corporate clients to process employee salary payments through BNI accounts.
• BNI Card Center (Credit Cards) Credit card products and services including various card types, installment options, and the BNI Reward Points loyalty program.
• Trade Finance International trade finance services including export, import, SKBDN, SBLC, bill collection financing, open account financing, and structured trade finance, centralized on the Finastra Trade Innovation platform.
• Smart Remittance International money transfer and remittance services for corporate clients.
• BNI Digihedge Treasury and hedging solution for corporate clients to manage foreign exchange and interest rate risks.
• Solusi Wholesale Wholesale banking solutions including collection management, liquidity management, digital disbursement, payment management, bank guarantees, supply chain, and ecosystem solutions.
• BNI Emerald Premium wealth management and private banking service offering personalized banking with curated products and privileges for affluent customers.
• BNI Private Private banking service for high-net-worth individuals offering personalized wealth management and legacy planning.
• BNI Wealth Management Wealth management services for mass affluent and high-net-worth customers.
• BNI Agen46 Agent banking service extending financial services to underserved areas through agent outlets for financial inclusion.
• BNI Smartpay Payment solution for merchants.
• BNI DigiCS Digital customer service channel.
• TapCash Electronic money product for contactless transactions.
• BNI API Digital Services Portal API services portal with sandbox environment enabling corporate clients and developers to integrate BNI's banking services into their own systems.

Quantifiable outcome

• 25% faster customer onboarding through Finastra Trade Innovation platform
• +2 more outcomes

Named customers4 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature6 records

Partnerships

Five partnerships are on record, tiered core and minor.

• FinastracoreTechnology or Integration · 19 January 2026BNI partnered with Finastra to deploy Trade Innovation platform, replacing multiple legacy systems with a centralized platform hosted in Jakarta. The partnership resulted in 25% faster customer onboarding and 10% increase in customer acquisition. Migration of nine international locations to centralized system is in progress.
• PT PLN EPIminorOthersPLN EPI serves as offtaker for the Mako Gas Field project, with financing support from Bank Negara Indonesia. The gas sales agreement supports Indonesia's national gas production and energy security objectives.
• FISminorGTM or Marketing PartnerFIS collaborated with Indonesia's state news agency Antara to hold an executive forum in Jakarta with speakers from Deloitte, MIND ID, Pegadaian, and Bank Negara Indonesia, focusing on treasury transformation and AI in finance operations.
• AntaraminorGTM or Marketing PartnerIndonesia's state news agency partnered with FIS to convene finance leaders including BNI executives for thought leadership and dialogue among finance leaders in Indonesia.
• Himbara (Indonesian State Bank Association)coreStrategic or Co-development PartnerBNI is a member of Himbara, the Indonesian state-owned bank association, together with Bank Mandiri, Bank Rakyat Indonesia, Bank Tabungan Negara, and Bank Syariah Indonesia. Combined market capitalization is approximately Rp1,100 trillion representing ~10% of Indonesia Stock Exchange.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Bank Mandiri: Fellow Indonesian state-owned Himbara commercial bank with overlapping personal, corporate, and international banking franchises; named merger counterpart in the proposed four-bank consolidation alongside BNI.
• Bank Rakyat Indonesia (BRI): Largest Indonesian state-owned bank by assets and the MSME-focused Himbara member; closest peer in retail, microfinance, and consumer lending, and proposed merger counterpart to BNI.
• Bank Tabungan Negara (BTN): State-owned Himbara bank specialized in housing finance; directly comparable to BNI Griya and KPR Sejahtera products and a named participant in the proposed mega-merger.
• Bank Central Asia (BCA): Largest private Indonesian commercial bank and the benchmark competitor in digital retail banking; directly comparable to BNI's wondr franchise and consumer deposit-taking.
• Bank CIMB Niaga: Major Indonesian private universal bank with strong corporate and consumer franchises; competes head-to-head with BNI in trade finance, treasury, and digital banking.
• Bank Syariah Indonesia: Indonesia's largest sharia-compliant state-owned bank and fellow Himbara member; competes with BNI's sharia investment offerings within the DPLK BNI Simponi product set.
• Bank Mega: Privately-controlled Indonesian universal bank offering personal, SME, and corporate banking; comparable to BNI across credit cards, deposits, and treasury products.

Broad incumbents

• DBS Bank: Singapore-headquartered regional bank with full-service Indonesian operations; competes with BNI in corporate, trade finance, and increasingly in digital and wealth management.
• HSBC Indonesia: Global bank with Indonesian franchise competing with BNI's international and trade finance business, particularly for large multinational corporate clients operating across the BNI overseas network.
• Standard Chartered Indonesia: International bank with a long-standing Indonesian presence focused on corporate, transaction banking, and trade finance; directly comparable to BNI's international and wholesale banking franchises.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/bni46
• Facebookfacebook.com/bni
• Instagraminstagram.com/bni46
• LinkedInlinkedin.com/company/pt.-bank-negara-indonesia-persero-tbk.

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 records

Subsidiaries3 records

Funding overview

Funding rounds1 record

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments5 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Bank Negara Indonesia