Bank SumselBabel

What Bank SumselBabel does

Bank SumselBabel (legal name PT Bank Pembangunan Daerah Sumatera Selatan dan Bangka Belitung) is an Indonesian regional development bank (Bank Pembangunan Daerah, or BPD) owned by the regional governments of South Sumatra and Bangka Belitung provinces, operating continuously since 1957. The bank operates from its headquarters in Palembang and runs a full-stack retail and commercial banking franchise spanning savings accounts (Tabungan), time deposits (Deposito), current accounts (Giro), a broad credit book (Kredit Modal Kerja, Kredit UMKM Mikro/Kecil/Menengah, Kredit Korporasi, KPR/KPA, Kredit ALSINTAN for agricultural machinery, Kredit Mitra Perkebunan, Kredit Serba Guna Guru TPG, Pinjaman Daerah, and linkage programs with cooperatives and non-bank financial institutions), treasury (Tresuri), international banking, BSB Cash digital payments integrated with QRIS, and distribution of Surat Berharga Negara ritel (ORI, SBR, SR, ST). It also operates a wholly-owned Sharia subsidiary (Bank Sumsel Babel Syariah) and a priority banking segment (BSB Prioritas).

Underlying technology is a digital banking platform centered on the BSB Mobile application, Internet Banking Personal and Internet Banking Corporate portals, an E-form online account-opening and loan-origination tool, plus Contact Center 1500711 and WhatsApp Banking at +628111500711. Distribution combines the physical branch network across South Sumatra and Bangka Belitung with these self-serve digital channels and marketing presence on Facebook, YouTube, Instagram, and TikTok under the banksumselbabelofficial handle. Revenue mechanics rest on net interest income from credit and deposits, fee-based income from transactions, treasury, and BSB Cash, and government-bond distribution commissions, with pricing disclosed across credit tiers (Korporasi 7.28%, Ritel 9.33%, UMKM Menengah 10.68%, UMKM Kecil 9.70%, UMKM Mikro 9.25%, KPR/KPA 10.36%, Non KPR 8.62%) and Rupiah deposit tenors yielding 2.25%–2.50%. The bank is licensed and supervised by OJK and Bank Indonesia, and participates in the LPS deposit insurance scheme up to Rp 2 billion per depositor per bank.

Name

Bank SumselBabel

Legal name

PT Bank Pembangunan Daerah Sumatera Selatan dan Bangka Belitung

Website

https://banksumselbabel.com

Company type

Private

Founded year

1957

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Bank SumselBabel (PT Bank Pembangunan Daerah Sumatera Selatan dan Bangka Belitung) is an Indonesian regional development bank owned by the South Sumatra and Bangka Belitung provincial governments, operating since 1957 to serve retail, UMKM, corporate, government, and consumer customers with deposits, credit, digital banking, treasury, and a Sharia subsidiary.

Ownership category

akta.pro rank

Product category

Regional Banking

NAICS

Commercial Banking (522110)

SIC

National Commercial Banks (6021)

akta.pro industry

PRIMARYFSABABAC

SME Deposits & Business Accounts (Operating, Savings, CDs)

Financial & Insurance/Banking (Commerical, Retail & Consumer)/Commercial Banking (SME & Middle Market)

SECONDARYFSABAAAA

Mass-Market Consumer Deposit Banking (Checking/Savings)

Financial & Insurance/Banking (Commerical, Retail & Consumer)/Retail Banking

SECONDARYFSABABAD

SME Cash Management & Payments (Merchant, ACH/Wires, Payroll)

Financial & Insurance/Banking (Commerical, Retail & Consumer)/Commercial Banking (SME & Middle Market)

SECONDARYFSABAAAI

Small Business Banking (Microbusiness/Sole Proprietor)

Financial & Insurance/Banking (Commerical, Retail & Consumer)/Retail Banking

SECONDARYFSABAGAF

Islamic Transaction Banking (Cash Management & Treasury Services)

Financial & Insurance/Banking (Commerical, Retail & Consumer)/Islamic Banking

Keywords

• Regional banking services
• Savings and deposits
• Commercial lending
• Digital banking
• SME financing

Headquarters

HQ city

Palembang

HQ country

Indonesia

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Pendapatan Bunga Kredit: Pendapatan bunga dari berbagai produk kredit termasuk KPR, kredit mikro, kecil, menengah, dan korporasi
2. Pendapatan Deposito dan Giro: Pendapatan dari simpanan deposito berjangka dan giro dengan bunga yang kompetitif
3. Pendapatan Transaksi: Pendapatan fee-based dari berbagai transaksi perbankan, layanan digital, dan kartu ATM/Debit

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels6 records

Core offering

Bank Sumsel Babel (PT Bank Pembangunan Daerah Sumatera Selatan dan Bangka Belitung) is a regional government-owned bank operating since 1957 that provides retail and commercial banking services including savings accounts, time deposits, current accounts, consumer and corporate credit, treasury, international banking, and Sharia-compliant products. The bank serves individuals, micro/small/medium enterprises (UMKM), corporations, and regional government entities across South Sumatra and Bangka Belitung provinces through an extensive branch network and digital channels (BSB Mobile, Internet Banking Personal and Corporate, BSB Cash, WhatsApp Banking, and E-form services).

Product overview

Bank SumselBabel (PT Bank Pembangunan Daerah Sumatera Selatan dan Bangka Belitung) is a regional government-owned bank serving South Sumatra and Bangka Belitung since 1957. The bank offers a comprehensive portfolio of banking products including Deposito (time deposits), Tabungan (savings accounts), Giro (current accounts), Kredit (various loan products), and Digital Banking services through BSB Mobile and Internet Banking. The bank also provides treasury services, international banking, BSB Cash payment solutions, and retail government bonds (SBN Ritel). Core products include working capital loans, small business credit, agricultural loans (ALSINTAN), partnership programs (KMP, LJKNB, KOPERASI), and regional government loans. The bank emphasizes digital transformation with mobile and internet banking platforms, while maintaining traditional branch-based services.

Differentiator

Problem solved

Functional benefit

Brands

• BSB Mobile: Digital banking application for mobile banking transactions
• BSB Cash
• Bank Palembang Babel Syariah
• BSB Prioritas
• Pesirah
• BSB Cash Office Banking (COB)

Products and services

• Deposito Time deposits offering attractive returns with tenor options ranging from 1 to 36 months, available in Rupiah and US Dollar, with competitive interest rates (Rupiah 2.25%-2.50% for tenors 1-12 months). Targeted at individual and corporate customers seeking fixed-income savings instruments.
• Tabungan (Savings) Savings accounts with daily-balance interest calculation and various product options for personal financial management. Targeted at individual customers including specific variants like Tabungan Pesirah with annual prize draws.
• Giro (Current Account) Current account product designed to support business operations and cash management for corporate and business customers. Targeted at business entities needing transactional banking facilities.
• Kredit Modal Kerja (Working Capital Credit) Working capital credit facility for purchasing raw materials, production costs, marketing, and other working capital needs, with maximum credit period of 5 years. Targeted at business customers needing operational financing.
• Kredit Usaha Kecil (Small Business Loan) Small business credit for micro and small enterprises with a base interest rate of 9.70% per year. Targeted at UMKM (micro and small enterprises) in South Sumatra and Bangka Belitung regions.
• Pinjaman Daerah (Regional Government Loan) Regional loan facility provided to Provincial, District, and City governments within the bank's operational area. Targeted at regional government entities for development financing.
• Tresuri (Treasury Services) Treasury transaction services providing convenience for treasury needs according to customer requirements. Targeted at corporate and institutional customers needing treasury management.
• Internasional (International Banking) International banking services enabling convenient cross-border transactions. Targeted at customers with cross-border trade or remittance needs.
• BSB Cash Digital payment service providing convenience in payment transactions for customers, including QRIS-enabled payment through BSB Mobile. Targeted at retail customers and merchants for digital payment needs.
• BSB Mobile (Digital Banking) Mobile banking application enabling customers to perform banking transactions anytime and anywhere. Targeted at retail and UMKM customers for self-service digital banking.
• Internet Banking Personal dan Corporate Online banking services for individual customers (Personal) and business customers (Corporate) accessible at ibank.banksumselbabel.com. Targeted at retail personal customers and corporate business customers.
• Surat Berharga Negara (SBN) Ritel Government retail bonds distribution including Obligasi Ritel Indonesia (ORI), Saving Bond Ritel (SBR), Sukuk Ritel (SR), and Sukuk Tabungan (ST) with state guarantee on coupon/returns and principal. Targeted at retail investors seeking government-backed investment instruments.
• Linkage Program Linkage programs with non-bank financial services institutions (LJKNB) and cooperatives (KOPERASI) to support business development and financial inclusion. Targeted at partner financial institutions and cooperatives for on-lending facilities.

Named customers10 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Four partnerships are on record, tiered core and major.

• LPS (Lembaga Penjamin Simpanan)coreOthersBank Sumsel Babel merupakan peserta penjaminan LPS yang menjamin simpanan nasbah hingga maksimum Rp 2 Miliar per nasbah per bank
• OJK (Otoritas Jasa Keuangan)coreOthersBank Umum yang berizin dan diawasi oleh Otoritas Jasa Keuangan
• Bank IndonesiacoreOthersBank Umum yang berizin dan diawasi oleh Bank Indonesia
• Provinsi Sumatera SelatanmajorStrategic or Co-development PartnerKolaborasi dengan Pemerintah Provinsi Sumatera Selatan dalam mendorong UMKM lokal melalui Hiburan Rakyat dan Undian Super Grand Prize Pesirah

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Bank BJB (Bank Pembangunan Daerah Jawa Barat dan Banten): The largest Indonesian BPD, serving West Java and Banten. Directly comparable as a regionally government-owned commercial bank with a similar product set (deposits, loans, digital banking, treasury) and a Sharia subsidiary, making it the most relevant benchmark for Bank Sumsel Babel's business model and growth trajectory.
• Bank DKI: BPD of Jakarta with a comparable government-owned commercial banking model, full product suite, and active digital banking transformation. Comparable in operating structure and the regional government mandate that defines Bank Sumsel Babel's franchise.
• Bank Jatim (Bank Pembangunan Daerah Jawa Timur): BPD of East Java with a similar mix of consumer deposits, SME/UMKM lending, and Sharia banking. Comparable in scale ambition, product breadth, and the regional-development mandate that shapes both banks' strategies.
• Bank Jateng (Bank Pembangunan Daerah Jawa Tengah): BPD of Central Java offering a near-identical product portfolio (Tabungan, Deposito, Giro, Kredit, Treasury, Digital Banking) and serving a primarily retail and UMKM base. Direct comparable on operating model and customer segments.
• Bank Nagari (Bank Pembangunan Daerah Sumatera Barat): BPD of West Sumatra, a neighboring province to Bank Sumsel Babel's territory. Comparable as a Sumatran BPD with similar commodity-driven regional economy exposure and government-owned structure, making it a close regional benchmark.
• Bank Riau Kepri (Bank Pembangunan Daerah Riau dan Kepulauan Riau): BPD of Riau and the Riau Islands, serving an adjacent Sumatran economy with a comparable full-service banking model. Comparable in scale category and in the mix of retail, UMKM, and government banking that defines Bank Sumsel Babel's book.
• Bank Aceh: BPD of Aceh operating with a similar government-owned commercial bank structure and a Sharia-aligned product mix. Comparable as a regionally focused Indonesian BPD competing for similar retail and government-banking relationships.

Broad incumbents

• Bank Mandiri: One of Indonesia's largest state-owned commercial banks with universal banking services across consumer, SME, corporate, and treasury. Competitor inside Bank Sumsel Babel's geographic footprint and benchmark for digital banking scale and product breadth.
• Bank Rakyat Indonesia (BRI): Indonesia's largest bank by UMKM exposure and the dominant player in micro and small business lending. Direct competitor for Bank Sumsel Babel's UMKM franchise and benchmark for the segment the bank is positioning to defend and grow.
• Bank Negara Indonesia (BNI): Major Indonesian state-owned commercial bank with national branch coverage and a strong digital channel. Competes with Bank Sumsel Babel in corporate banking, treasury, and increasingly in retail and SME segments across its geography.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UCTEl6UTPjBGREZeDTlMf_SQ
• Facebookfacebook.com/agungkedovers
• Instagraminstagram.com/banksumselbabelofficial/?hl=en
• TikToktiktok.com/@banksumselbabel
• Xx.com/BankBSBku
• LinkedInlinkedin.com/company/bank-sumsel-babel

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries1 record

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about Bank SumselBabel