What Bank BPD DIY does

Bank BPD DIY (legal name PT Bank Pembangunan Daerah Daerah Istimewa Yogyakarta) is a regional development bank established on December 15, 1961 and wholly owned by the Pemerintah Daerah DIY. It operates a dual conventional and sharia banking franchise (with the Sharia Business Unit, Bank BPD DIY Syariah, established in 2007) and as of mid-2025 runs a network of 7 Kantor Cabang, 112 Kantor Capem (with a total of 63 branch offices including three Central Java KCPs in Klaten, Magelang, and Purworejo), and 246 WALUYO Laku Pandai agents. The bank is licensed and supervised by OJK and Bank Indonesia, is a participant of the LPS deposit guarantee program, and is implementing ISO 37001 anti-bribery management. It transformed to a Perusahaan Perseronan Daerah (Perseroda) on June 22, 2026 under Perda DIY No. 6/2026.

The bank's product portfolio spans savings (Tabungan Sutera, SIMPEDA, Tunas, Salam iB Mudharabah, Shafa Mudharabah), time deposits (Deposito Berjangka, Deposito Mudharabah), current accounts (Giro, Giro Wadiah), and more than 20 credit variants including KUR (conventional and sharia), KPR Sejahtera FLPP, Kredit Alsintan, Kredit Modal Kerja, Kredit Investasi, Kredit Swaguna, Kredit Purnakarya, Gadai Emas, and Pembiayaan Kepemilikan Emas. Digital channels include BPD DIY Mobile (with Digital On Boarding, BI-FAST, RTGS/SKN, QRIS), Cash Management System (CMS) corporate internet banking, Si Banter self-service hospital payment kiosks deployed at RS Bethesda, RS PKU Muhammadiyah Bantul, and RSU Queen Latifa, the DIGDAYA village fund application for Siskeudes digitalization, and the BPDDIY RAHARJO application for elderly social assistance disbursement. Tech stack is built around QRIS infrastructure, web-based CMS, and proprietary mobile applications rather than disclosed AI/ML models.

Revenue is generated through net interest income on conventional and sharia credit, deposit float (DPK Rp13.30 trillion at July 2023), fee-based income (ATM/debit, fund transfers, CMS subscriptions), and government banking services (tax collection via Modul Penerimaan Negara, social assistance disbursement, ASN salary programs with Taspen). Customer concentration is heavily skewed toward institutional and government counterparties: 5 regencies/cities of DIY, regional hospital systems, PT Taspen retirees, BPKA DIY for Samsat Corner operations, DIKTILITBANG PP Muhammadiyah, Kanwil Kemenag DIY, Dinas Sosial DIY, and 8,000 JSLU elderly beneficiaries served via WALUYO agents. Smaller commercial anchors include Grab Indonesia (MSME digitalization), IASH (priority lounge access), and BP Tapera (FLPP subsidized housing). Reported scale includes Rp17.78 trillion total assets and Rp224.95 billion net profit at Q3 2023.

Name

Bank BPD DIY

Legal name

PT Bank Pembangunan Daerah Daerah Istimewa Yogyakarta

Website

https://bpddiy.co.id

Company type

Private

Founded year

1961

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Bank BPD DIY is a Yogyakarta-based regional development bank wholly owned by the DIY provincial government, providing conventional and sharia savings, deposits, credit, and digital banking services to ASN employees, retirees, UMKM, and government institutions across DIY and adjacent Central Java regencies via 7 branches, 112 sub-branches, and 246 Laku Pandai agents.

Ownership category

akta.pro rank

Product category

Regional Development Banking

NAICS

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

SIC

State Commercial Banks (6022)

akta.pro primary industry

Account Opening, KYC/AML & Customer Due Diligence (CDD/EDD) (FSABALAA)

akta.pro secondary industries

Loan Operations & Servicing (Consumer/SME/Corporate) (FSABALAD), Islamic Treasury, Liquidity & Interbank (Commodity Murabaha, Sukuk Liquidity) (FSABAGAK)

Keywords

• Regional development banking
• Sharia banking services
• Micro enterprise lending
• Government banking solutions
• Digital banking platform

Headquarters

HQ city

Yogyakarta

HQ country

Indonesia

HQ region

Asia

Offices7 records

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. Interest Income (Conventional Credit): Interest income from conventional lending products including KPR, KUR, Kredit Investasi, Kredit Modal Kerja, Kredit Purnakarya (pensioners), and agricultural credit (Kredit Alsintan).
2. Sharia Banking Revenue: Revenue from Unit Usaha Syariah (UUS) including mudharabah deposits, wadiah current accounts, sharia financing (murabahah, ijara), and halal investment products. Sharia unit assets reached Rp2.3 trillion as of February 2026.
3. Third-Party Funds (DPK): Demand deposits (giro), savings (tabungan), and time deposits (deposito) from retail, corporate, and government customers.
4. Fee-Based Income: Fees from ATM/debit transactions, SMS/email notifications, fund transfers (BI-FAST, RTGS, SKN), Cash Management System subscriptions, and account services.
5. Government Banking Services: Revenue from government financial services including tax payment collection (Modul Penerimaan Negara), social assistance disbursement, salary program accounts for ASN, and public sector payment solutions.

Pricing tiers

Go-to-market motion3 records

Distribution channels8 records

Marketing channels7 records

Core offering

Bank BPD DIY is the regional development bank (Bank Pembangunan Daerah) of Daerah Istimewa Yogyakarta (DIY), Indonesia. It provides conventional and Sharia banking products and services including savings accounts, current accounts (giro), time deposits, consumer and MSME credit (KUR, KPR, Kredit Alsintan), sharia financing (mudharabah, murabahah, ijara), mobile and corporate internet banking (BPD DIY Mobile and Cash Management System), QRIS payment acceptance, government treasury solutions (Modul Penerimaan Negara, Siskeudes DIGDAYA, KKPD), agent banking (Laku Pandai/WALUYO), and social assistance disbursement services for individuals, micro-SMEs, corporate, and government customers.

Product overview

Bank BPD DIY offers a comprehensive portfolio of banking products organized into savings (Tabungan), time deposits (Deposito), current accounts (Giro), credit/financing (Kredit), and digital services. Digital services are centered around BPD DIY Mobile (mobile banking app) and Cash Management System (corporate internet banking). The bank provides both conventional and Sharia-compliant products, with Bank BPD DIY Syariah operating as a Sharia Business Unit. Key digital innovations include QRIS payment acceptance, BI-FAST transfer services, Digital On Boarding for online account opening, SI Banter for hospital bill payments, and DIGDAYA for village fund management. The bank serves retail customers, corporate clients, and government institutions across DIY and expanding regions.

Differentiator

Problem solved

Functional benefit

Brands

• BPD DIY Mobile: Mobile banking application providing digital banking services including account management, fund transfers, bill payments, and QRIS transactions.
• Cash Management System (CMS)
• Si Banter
• DIGDAYA
• Laku Pandai

Products and services

• BPD DIY Mobile Mobile banking application enabling retail customers to perform banking transactions 24/7, including account management, transfers, bill payments, QRIS payments, and online account opening via Digital On Boarding.
• Cash Management System (CMS) Web-based corporate internet banking for business and government institutional customers enabling 24/7 real-time transactions, multi-level approval workflows, and financial management without software installation.
• Tabungan Tunas Children's savings account for students from kindergarten to senior high school with a low minimum initial deposit of Rp5,000, no monthly administration fees, interest calculated on minimum balance, and eligibility as loan collateral.
• Tabungan SIMPEDA Local regional development savings account (Simpanan Pembangunan Daerah) with periodic prize-linked national and regional draws.
• Tabungan Sutera Savings account product for individual customers with attractive interest rates.
• Tabungan Sutera Emas Gold-backed retirement savings account enabling lump sum withdrawal upon retirement for pension planning.
• Tabungan Salam iB Mudharabah Sharia-compliant planned savings account based on Mudharabah principles for individual customers.
• Deposito Berjangka Conventional time deposit product for individual and corporate customers seeking guaranteed investment returns.
• Deposito Mudharabah Sharia-compliant time deposit based on Mudharabah principles for individual and corporate customers seeking halal investment returns.
• Giro Conventional current account product for non-cash business transactions via checks and bilyet giro, with monthly statements and accessibility across the entire BPD DIY branch network.
• Giro Wadiah Sharia-compliant current account based on Wadiah principles for practical and flexible business transactions.
• Kredit Usaha Rakyat (KUR) Government-subsidized People's Business Credit (KUR) program for micro, small, and medium enterprises, available in conventional and sharia variants.
• KPR Sejahtera FLPP Subsidized housing credit facility (Fasilitas Likuiditas Pembiayaan Perumahan) for affordable homeownership, distributed in partnership with BP Tapera.
• Kredit Modal Kerja Working capital credit product for businesses to strengthen operational capital.
• Kredit Investasi Investment credit product for business development and expansion.
• Kredit Kawan Usaha Business credit product for micro enterprises to grow and upgrade their class.
• Kredit Swaguna Multi-purpose credit product for civil servants (ASN) and private sector employees.
• Kredit Purnakarya Retirement credit product for retirees' post-service financial needs.
• Kredit Usaha Alsintan Agricultural tool and machinery credit (Alsintan) to increase farming productivity through modernization.
• KUR Syariah Sharia-compliant variant of the People's Business Credit program for UMKM following Islamic financing principles.
• Gadai Emas Gold pawning service providing quick liquidity for customers using gold as collateral.
• Pembiayaan Kepemilikan Emas Gold ownership financing enabling customers to invest in precious metals.
• Shafa Mudharabah Sharia-compliant savings based on Mudharabah principles for Hajj pilgrimage planning.
• Laku Pandai Agent-based banking service (Laku Pandai) including WALUYO (Warung Lanjut Usia Yogyakarta) agents providing basic banking services (cash-in, cash-out, bill payments) and social assistance disbursement in underserved communities.
• Layanan Nasabah Prima Priority banking service for premium customers offering dedicated service and exclusive benefits such as airport lounge access via InJourney Aviation Services partnership.
• Modul Penerimaan Negara (MPN) State revenue payment module enabling government tax payment transactions for public sector customers.
• DIGDAYA (Siskeudes) Digital application (Digitalisasi Dana Desa Yogyakarta) for village government fund management (Siskeudes) improving accountability and transparency of village finances across DIY.
• Si Banter (Sistem Pembayaran Tagihan Secara Mandiri) Self-service bill payment kiosk deployed at hospitals (RS Bethesda, RS PKU Muhammadiyah Bantul, RSU Queen Latifa) enabling cashless, queue-free bill payment via QRIS scan through BPD DIY Mobile.
• QRIS Parkir QR code-based parking payment service launched to support digital transformation of Yogyakarta city parking services.
• QRIS Dinamis Dynamic QRIS payment product enabling variable-amount merchant payments through QR code transactions.
• KKPD Sleman (Kartu Kredit Pemerintah Daerah) Regional government credit card for Kabupaten Sleman enabling digital government payment transactions.
• Bank BPD DIY Syariah (Unit Usaha Syariah) Wholly-owned Sharia Business Unit of Bank BPD DIY offering Islamic banking products including Tabungan Salam iB Mudharabah, KUR Syariah, Giro Wadiah, Purnakarya Syariah, Swaguna Syariah, Deposito Mudharabah, Shafa Mudharabah, Simpeda iB Wadiah, and other Islamic financial products.

Quantifiable outcome

• 25 consecutive years of 'Sangat Bagus' (Very Good) performance from Infobank — the longest streak among BPD banks
• +3 more outcomes

Named customers10 records

Segments6 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability2 records

Feature5 records

Partnerships

16 partnerships are on record, tiered minor and core.

• Rumah Sakit Bethesda YogyakartaminorStrategic or Co-development Partner · 21 May 2026Bank BPD DIY provides Si Banter (self-service bill payment kiosks) at RS Bethesda for cashless, queue-free hospital bill payments via QRIS scan through BPD DIY Mobile. The bank also provides display space for 'Gawe Muda' herbal product gallery, supporting MSME market access for CD Bethesda Yakkum herbal producers.
• Rumah Sakit PKU Muhammadiyah BantulminorStrategic or Co-development Partner · 5 June 2025Bank BPD DIY deployed Si Banter self-service payment kiosks at RS PKU Muhammadiyah Bantul, enabling cashless hospital bill settlements through QRIS scan. The hospital serves as both a customer and channel partner for digital payment innovation.
• RS Mata Dr. YAPminorStrategic or Co-development Partner · 3 June 2025Bank BPD DIY signed an MoU with RS Mata Dr. YAP to strengthen eye health services in DIY through improved payment facilities and financial services support. The partnership enhances healthcare payment accessibility for patients at the eye hospital.
• Kanwil Kemenag DIY and Kemenhaj DIYminorStrategic or Co-development Partner · 16 April 2025Bank BPD DIY entered a financial management and banking services partnership with the Yogyakarta regional office of the Ministry of Religion (Kanwil Kemenag) and Ministry of Hajj and Umrah (Kemenhaj) for financial management and banking service utilization.
• InJourney Aviation Services - Hospitality (IASH)minorChannel Partner/ Reseller/ Distributor · 7 February 2025Bank BPD DIY signed an agreement with IASH (InJourney Aviation Services) to provide Priority Banking customers (Nasabah Prioritas) with airport lounge access across Indonesia. This premium service enhances the bank's competitive positioning in the affluent customer segment.
• BPKA DIY, Jasa Raharja, and Samsat BantulminorChannel Partner/ Reseller/ Distributor · 19 April 2024Bank BPD DIY partnered with BPKA DIY, Jasa Raharja, and Samsat Bantul to operate Samsat Corner at KCP Kretek for vehicle tax payment and registration services. The service complements ATM and mobile banking tax payment options.
• Kejaksaan Tinggi DIYminorOthers · 5 April 2024Bank BPD DIY signed an MoU with the Yogyakarta High Prosecutor's Office for legal assistance, consultation, and legal opinion services in civil and state administrative matters, both in and out of court, to strengthen the bank's legal risk management.
• MNC Life AssuranceminorStrategic or Co-development Partner · 1 April 2024Bank BPD DIY partnered with PT MNC Life Assurance (MNC Life) to provide credit life insurance protecting bank borrowers. The partnership strengthens loan portfolio risk management and offers additional protection to credit customers.
• DIKTILITBANG PP MuhammadiyahminorStrategic or Co-development Partner · 21 February 2024Bank BPD DIY (through its sharia unit) signed a cooperation agreement with DIKTILITBANG PP Muhammadiyah to support Muhammadiyah higher education institutions across DIY, Central Java, and East Java. Support includes infrastructure development and human resource development through scholarship facilities for lecturers pursuing advanced degrees.
• PT Taspen (Persero)coreStrategic or Co-development Partner · 8 January 2024Bank BPD DIY serves as the designated bank for pension disbursement to retired civil servants (ASN) through PT Taspen (State Pension Fund). The bank also provides free monthly health check-up facilities for pensioners and offers preferential credit products (Tabungan Sutera/Sutera Emas, Purnakarya) exclusively for retired government employees.
• BP Tapera (Badan Pengelola Tabungan Perumahan Rakyat)coreStrategic or Co-development Partner · 6 January 2024Bank BPD DIY signed an agreement with BP Tapera to distribute FLPP (Fasilitas Likuiditas Pembiayaan Perumahan) subsidized housing loans in 2024. The bank was among the first four BPD banks to sign the KUA (Kredit Usaha Alsintan) PKS alongside Bank BPD DIY, Bankjateng, Bank BPD Bali, and BankSumut, with FSVA support.
• Dinas Pariwisata DIYminorStrategic or Co-development Partner · 9 September 2023Bank BPD DIY signed a cooperation agreement with the DIY Tourism Office (Dinas Pariwisata) to support tourism sector recovery through digital payment adoption, financial literacy for tourism MSMEs, and promotional support for tourism-related businesses.
• BKKBN DIY (Badan Kependudukan dan Keluarga Berencana Nasional)minorStrategic or Co-development Partner · 11 March 2023Bank BPD DIY signed an MoU with BKKBN DIY to support the government's stunting prevention program. The bank contributed Rp100 million for stunting intervention efforts in DIY.
• Pemkab BantulminorStrategic or Co-development Partner · 16 December 2022Bank BPD DIY and the Government of Bantul Regency signed an MoU for financial management cooperation, including management of local government funds, tax collection, and financial services for Bantul residents.
• Grab IndonesiacoreStrategic or Co-development Partner · 22 August 2022Bank BPD DIY and Grab Indonesia entered a strategic partnership for digitalization of MSMEs and regional finance. The collaboration includes facilitating QRIS acceptance for Grab merchant partners, digital account opening for Grab drivers and merchants, and joint financial literacy programs. The partnership supports Bank BPD DIY's digital transformation agenda and Grab's financial services ecosystem in DIY.
• Politeknik YKPN YogyakartaminorStrategic or Co-development Partner · 11 March 2022Bank BPD DIY and Politeknik YKPN signed a Memorandum of Understanding for the 'Edu Smart Bank' financial literacy program targeting young people. The program provides financial education, student savings accounts, and internship opportunities for students. Kaliba Edu Smart Bank was launched at Politeknik YKPN as an on-campus banking literacy center.

Scale indicators11 records

Recent moves12 records

Expansion highlights6 records

Broad incumbents

• Bank Mandiri: Bank Mandiri is Indonesia's largest state-owned commercial bank and a competitor across all of Bank BPD DIY's segments (retail, MSME, government banking, sharia, payments). Larger balance sheet and digital investment capacity make it the primary competitive benchmark for technology and product roadmap risk.
• Bank BCA: Bank BCA is Indonesia's largest private commercial bank by market cap and the digital banking benchmark, with the country's leading mobile app (BCA Mobile) and transaction banking infrastructure. Sets the standard for app UX, API banking, and fee income generation that Bank BPD DIY must match to retain retail customers.

Direct peers

• Bank BPD Bali: Bank BPD Bali is another Indonesian regional development bank of comparable size and provincial scope, focused on Bali's tourism economy. It shares the BPD institutional form, government ownership, and dual conventional-sharia model, and was a co-signatory with Bank BPD DIY on the KUA Kredit Usaha Alsintan agreement.
• Bank Nagari: Bank Nagari is the West Sumatra provincial development bank, one of the older BPDs in Indonesia with a comparable dual conventional-sharia franchise. Relevant peer for BPD-specific risks, regulatory compliance patterns, and Perseroda-style transformation precedents.
• Bank BJB (Jawa Barat dan Banten): Bank BJB is the largest publicly-listed BPD bank in Indonesia, serving West Java and Banten with similar government banking, MSME credit, and sharia unit capabilities. Listed peer provides direct benchmarking on growth, NIM, and digital execution against Bank BPD DIY's regional bank model.
• Bank DKI: Bank DKI is the Jakarta provincial development bank, structurally and operationally similar to Bank BPD DIY as a city/province-owned BPD. Comparable product set (savings, credit, government services, sharia), digital transformation journey, and BUMD governance framework make it a natural peer for Jakarta metropolitan market dynamics.
• Bank BPD Jawa Tengah (Bank Jateng): Bank Jateng is a fellow Indonesian regional development bank (BPD) operating in Central Java with similar conventional and sharia product offerings, government payroll mandates, and a comparable branch-based distribution model. Closest geographic neighbor given Bank BPD DIY's expansion into Klaten, Magelang, and Purworejo.
• Bank Muamalat Indonesia: Bank Muamalat is one of Indonesia's largest pure sharia commercial banks, providing a relevant benchmark for Bank BPD DIY's growing UUS (Unit Usaha Syariah) sharia franchise. Comparable sharia product portfolio including mudharabah, murabahah, and Hajj-linked savings makes it a natural peer for the bank's Rp2.3 trillion sharia book.
• Bank Jatim (Jawa Timur): Bank Jatim is a publicly-listed BPD bank serving East Java, with a similar MSME, government payroll, and sharia banking focus. Comparable size tier and franchise model make it a relevant peer for digital transformation benchmarks and product cross-sell analytics.
• Bank Sumsel Babel: Bank Sumsel Babel is a regional development bank serving South Sumatra and Bangka Belitung, similar in scale and product scope to Bank BPD DIY. Provides relevant benchmarking for BPD-specific operational metrics like government payroll capture and sharia unit growth outside Java's largest provinces.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

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Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 records

Subsidiaries2 records

Funding overview

Funding rounds

Investors

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M&A

Investments

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Frequently asked questions about Bank BPD DIY