Bank Ina Perdana

What Bank Ina Perdana does

PT Bank Ina Perdana Tbk (Bank INA) is an Indonesian commercial bank publicly listed on the Indonesia Stock Exchange under ticker BINA and operating as part of the Salim Group conglomerate ecosystem. Founded in 1991 and headquartered in Jakarta, the bank serves individual retail, MSME, and corporate customer segments across Indonesia through a hybrid distribution model combining 58 physical branch offices with the proprietary Binadigital digital banking platform.

Bank INA's product portfolio spans savings accounts (Tabina, INA Combo, INA Eazy & Smart Savings, INA Green Savings, Tabina Bisnis), term deposits (INA Deposito), current accounts (Giro), consumer and mortgage loans (KPR), investment products (digital gold, mutual funds distributed under the Sucor AM partnership, SBN, RDN), and — newly added in November 2024 — custodian bank services for institutional and individual investors following an OJK license grant. The underlying technology is the Binadigital mobile application providing digital savings, deposits, loans, gold investment, QRIS payments, and BI-Fast transfers, complemented by API Binadigital, a B2B integration layer enabling business partners to embed banking services into enterprise systems.

The bank's revenue model is dominated by net interest income from credit disbursement (IDR 14.78 trillion loan portfolio as of March 2026) funded by Third Party Funds of IDR 25.04 trillion at a 40.07% CASA ratio, supplemented by fee-based income from transactions, custodian services, mutual fund distribution, and digital banking services. As of March 2026, total assets stood at IDR 31.30 trillion with a 59.03% Loan-to-Deposit Ratio. The bank's regulatory positioning as the only KBMI 1 bank with an active custodian license, combined with Salim Group ecosystem affiliation, forms its principal structural differentiators in the Indonesian banking market.

Name

Bank Ina Perdana

Legal name

PT Bank Ina Perdana Tbk

Website

https://bankina.co.id

Company type

Public

Founded year

1991

Operating status

Operating

Headcount range

501–1,000 employees

Short description

PT Bank Ina Perdana Tbk is an Indonesian commercial bank and Salim Group member serving retail, MSME, and corporate customers through 58 branches and the Binadigital digital platform, offering savings, loans, investments, and custodian services.

Ownership category

akta.pro rank

Product category

Commercial Banking

NAICS

Commercial Banking (52211), Commercial Banking (522110), Depository Credit Intermediation (5221)

SIC

National Commercial Banks (6021)

akta.pro primary industry

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

akta.pro secondary industries

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA), Embedded Deposit Accounts & Digital Wallet Infrastructure (FSAGALAE)

Keywords

• Commercial banking services
• Retail banking products
• Mortgage and consumer loans
• Digital banking platform
• Securities custodian services

Headquarters

HQ city

Jakarta Pusat

HQ country

Indonesia

HQ region

Asia

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income from Credit/Loans: Bank INA earns interest income from the disbursement of loans including working capital loans, investment loans, consumer loans (KPR/KMG), and mortgage financing. As of March 2026, total loan disbursement reached IDR 14.78 trillion, with consumer loans at IDR 1.59 trillion, investment loans at IDR 4.40 trillion, and working capital loans at IDR 8.79 trillion.
2. Third Party Funds (Deposits & Savings): Bank INA collects deposits from customers including savings (Tabina), time deposits (Deposito), and current accounts (Giro), using these funds to support lending activities and generate net interest income. As of March 2026, Third Party Funds (TPF) reached IDR 25.04 trillion with a CASA ratio of 40.07%.
3. Fee-Based Income: Bank INA generates fee income from various banking services including service fees, transaction fees, account administration fees, and fees related to custodian services, mutual fund distribution, and digital banking services.
4. Mutual Fund Distribution: Bank INA distributes mutual fund products (reksa dana) from Sucor Asset Management including Sucorinvest Money Market Fund, Sucorinvest Monthly Income Fund, Sucorinvest Premium Fund, and Sucorinvest Equity Fund, earning distribution fees from product sales to customers.
5. Custodian Services: Following receipt of custodian license from OJK (November 2024), Bank INA provides custodian services to institutional and individual customers (local and foreign), earning fees for asset custody and securities administration services.

Pricing tiers

Distribution channels6 records

Marketing channels6 records

Core offering

Bank Ina Perdana is an Indonesian commercial bank offering a full suite of conventional banking products to individual, MSME, and corporate customers. Core offerings include savings accounts (Tabina, INA Combo, INA Eazy & Smart Savings, INA Green Savings), current accounts (Giro), term deposits, consumer loans (KPR/mortgage, KMG, INA Cash Reward), working capital and investment loans for businesses, digital banking via the Binadigital app, gold investment, mutual fund distribution (Sucorinvest), and securities custodian services.

Product overview

Bank Ina Perdana operates as an Indonesian commercial bank offering a comprehensive portfolio of retail and business banking products organized under its digital banking platform, Binadigital. The product suite encompasses savings and current accounts (INA Combo, INA Eazy & Smart Savings, INA Green Savings, Tabina Bisnis, and Giro), loan products (INA Cash Reward personal loans and INA Mortgage/KPR home loans), term deposits (INA Deposito), and investment products including gold investment via the Bank INA Apps and Sucorinvest mutual funds. Physical branch services include Safe Deposit Box facilities. Payment and transfer services are delivered through QRIS and BI-Fast instant payment infrastructure, while the bank has also expanded into custodian bank services through KSEI membership, enabling securities custody. The overall architecture follows a platform-and-channel model where Binadigital serves as the digital hub and physical branches provide complementary in-person service.

Differentiator

Problem solved

Functional benefit

Brands

• Binadigital: Digital banking platform offering digital savings, digital deposits, digital gold investments, QRIS services, BI-Fast transfers, and various payment options through mobile application
• Tabina Bisnis
• Tabina
• INA Combo
• INA Eazy & Smart Savings
• INA Green Savings
• INA Cash Reward
• INA Savings Plan
• Call INA
• API Binadigital

Products and services

• Tabina (Individual Savings) Individual savings account product with easy access, security, and tailored to customer needs, offered through branch and digital channels.
• Tabina Bisnis (Business Savings) Business savings account designed for commercial and enterprise customers, supporting business growth with competitive interest rates and multi-user access.
• INA Combo Combined savings and deposit product offering benefits of both savings and time deposits within a single product structure for retail customers.
• INA Eazy & Smart Savings Retail savings account offering convenience and benefits of fund management for individual customers.
• INA Green Savings Retail savings account product with an environmentally-focused theme, providing eco-friendly gift rewards for sustainable banking behavior.
• Giro (Current Account) Transactional current account product for business and retail customers, providing unlimited deposits and withdrawals with check-writing and transfer capabilities for daily operations.
• INA Deposito (Term Deposit) Term deposit product offering fixed-interest savings with predetermined tenures, available to retail and business customers through branches and digital channels.
• INA Savings Plan Term deposit product with regular installment deposits, attractive interest rates, and guaranteed results at maturity.
• INA Cash Reward Personal cash loan product providing personal financing to eligible retail customers.
• Bank INA Mortgage (KPR) Housing loan product enabling customers to finance residential property purchases, distributed through branches, digital channels, and developer partnerships.
• Working Capital Loans (Kredit Modal Kerja) Business financing product providing working capital funding for MSME and corporate borrowers; IDR 8.79 trillion disbursed as of March 2026.
• Investment Loans (Kredit Investasi) Business financing product for corporate investment purposes; IDR 4.40 trillion disbursed as of March 2026.
• Binadigital Digital Banking Platform Mobile digital banking application providing one-stop digital banking including online account opening, digital savings, digital deposits, digital loans, digital gold investment, QRIS, BI-Fast transfers, and payment/top-up services.
• API Binadigital API integration solution enabling business partners to embed Bank INA's banking services directly into their enterprise systems for B2B transactions.
• Gold Investment (Emas) Digital gold investment product enabling customers to buy and manage physical gold assets through the Bank INA digital banking platform.
• Sucorinvest Mutual Funds Distribution of four Sucor Asset Management mutual fund products (Sucorinvest Money Market Fund, Monthly Income Fund, Premium Fund, and Equity Fund) through Bank INA branches to individual and business customers.
• QRIS Payment QR-code-based payment service enabling merchants and customers to conduct fund transfers and merchant payments through the standardized national QR code system.
• BI-Fast Transfer Instant interbank payment transfer service facilitating real-time fund transfers between banks for retail and business customers via Bank Indonesia infrastructure.
• Custodian Bank Services Securities custody and administration services provided to institutional and individual (local and foreign) investors through KSEI membership; licensed by OJK in November 2024.
• Safe Deposit Box (SDB) Physical vault storage service offered at branch locations allowing customers to securely store valuables, documents, and other assets.
• Foreign Exchange Services Foreign currency exchange services for major currencies including USD, JPY, SGD, AUD, CNY, HKD, GBP, and EUR, offered through branches.

Quantifiable outcome

• 268% net profit growth in 2026 (March 2026 vs prior year)
• +2 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature4 records

Partnerships

Six partnerships are on record, tiered core and minor.

• PT Sucorinvest Asset Management (Sucor AM)coreStrategic or Co-development Partner · 11 March 2025Bank INA entered into a strategic partnership with Sucor Asset Management to distribute four mutual fund products: Sucorinvest Money Market Fund (SMMF), Sucorinvest Monthly Income Fund (SMIF), Sucorinvest Premium Fund (SPF), and Sucorinvest Equity Fund (SEF). The collaboration was officially announced at a press conference in Jakarta on March 11, 2025. This partnership enables Bank INA to offer a comprehensive range of investment products to its customers, particularly mass affluent and affluent segments, complementing existing products like SBN, deposits, and foreign exchange. Sucor AM manages Rp25.5 trillion in AUM (February 2025) serving over 1.9 million investors.
• PT Kustodian Sentral Efek Indonesia (KSEI)coreTechnology or IntegrationBank INA became a Securities Account Holder (Pemegang Rekening Efek/BINA) at KSEI on December 10, 2024, as part of its custodian banking license requirements. This enables Bank INA to provide custodian services for securities held in dematerialized form at KSEI.
• Securities Investor Protection Fund Indonesia (SIPF Indonesia)coreStrategic or Co-development PartnerBank INA officially became a member of the Investor Protection Fund (Dana Perlindungan Pemodal/DPP) managed by SIPF Indonesia, which provides investor protection for securities custody services.
• PT Bursa Efek Indonesia (BEI/Indonesia Stock Exchange)coreStrategic or Co-development PartnerBank INA received support from BEI in its custodian banking launch. BEI expressed hope that Bank INA's custodian services would become a primary choice for investors and provide security and certainty for investors.
• Sinar Mas Land (and other developer partners)minorChannel Partner/ Reseller/ DistributorBank INA partners with property developers including Sinar Mas Land for KPR (mortgage) product distribution. Special promotional KPR rates are offered exclusively through these developer partnerships, with campaigns such as 'Bunga Spesial KPR Bank INA & Sinar Mas Land' running from May 1 to June 30, 2026.
• Salim Group ecosystem companiescoreStrategic or Co-development PartnerBank INA is a member of the Salim Group ecosystem and offers special banking products and programs exclusively for Salim Group employees, including special KPR interest rates (April 17 - June 30, 2026). Being part of Salim Group provides Bank INA with brand credibility, operational synergies, and access to the Groups business network.

Scale indicators10 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Bank Capital Indonesia: Indonesian publicly listed commercial bank focused on consumer and SME banking. Comparable in size tier and product mix (savings, time deposits, consumer loans) with Bank INA's pre-custodian profile.
• Bank MNC Internasional: Indonesian publicly listed commercial bank of similar KBMI tier, offering savings, deposits, consumer loans, and digital banking. Comparable in scale, target segments (mass market/MSME), and hybrid distribution approach to Bank INA.
• Bank Artha Graha Internasional: Indonesian private commercial bank with diversified retail and corporate banking, FX services, and treasury operations. Comparable in offering breadth and KBMI scale to Bank INA.
• Bank JTrust Indonesia: KBMI 1 Indonesian commercial bank serving retail, SME, and corporate segments with digital channels. Directly comparable in tier, customer segmentation, and digital transformation stage to Bank INA.
• Bank Maspion Indonesia: Indonesian KBMI 1 commercial bank serving retail, MSME, and corporate customers in East Java and nationally. Comparable scale and focus on regional/SME banking with Bank INA.
• Bank Mayora Indonesia: Small Indonesian commercial bank serving consumer and MSME customers. Comparable in tier and product mix (savings, deposits, working capital loans) to Bank INA.
• Bank Oke Indonesia: KBMI 1 Indonesian commercial bank focusing on MSME and consumer segments with growing digital capabilities. Comparable in scale, customer focus, and digital banking trajectory with Bank INA.
• Bank Yudha Bhakti: Small Indonesian commercial bank with focus on consumer and SME lending. Comparable in tier, product offerings, and target segments to Bank INA.

Broad incumbents

• Bank Central Asia (BCA): Largest privately-owned Indonesian commercial bank with dominant digital and branch presence. Provides benchmark for retail/SME banking, KPR, and digital channels that compete with Bank INA across customer segments.
• Bank Mandiri: Largest Indonesian state-owned commercial bank with full-service retail, SME, corporate, and treasury offerings. Competes with Bank INA across virtually every banking vertical, including corporate lending and digital services.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/pt-bank-ina-perdana

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 records

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 Ina Perdana