Bank Nusumma

What Bank Nusumma does

Bank Nusumma is an Indonesian rural bank (BPR - Bank Perkreditan Rakyat) established in 1990 and headquartered in Subang, West Java. The institution provides basic banking services to retail customers and small and medium enterprises (SMEs), offering savings accounts (Tabungan), time deposits (Deposito), loan facilities (Pinjaman), and virtual account services. As of May 31, 2026, the bank operates 37 office branches, serves over 100,000 customers, employs 450 staff, and holds total assets of 1.2 trillion IDR with a reported Return on Assets of 7.6% and Non-Performing Loan ratio of 4.2%.

The business model is conventional deposit-and-lend banking targeted at financial inclusion. Revenue is generated primarily through interest income on loans to retail and SME borrowers, with secondary streams from deposits (subscription/recurring) and transaction fees from virtual account services. The go-to-market is entirely direct-to-consumer through physical branches, supplemented by a differentiated pick-up/home-visit service that brings marketing and account servicing directly to customers. Geographic presence is concentrated in Java, with documented branch activity in East Java (Kediri) and Central Java (Jogja, Klaten) in addition to the Subang headquarters.

Bank Nusumma operates as a private, independent institution with no disclosed parent company, subsidiaries, institutional investors, or funding rounds in the available data. The product portfolio is unified and undifferentiated in product terms (standard savings, deposits, loans, virtual accounts), with competitive differentiation derived from community relationships, branch accessibility, and the home-service model rather than technology. There is no indication of digital channels beyond the basic virtual account product, no mobile application, and no AI/ML-driven underwriting or servicing capabilities in the disclosed information.

Name

Bank Nusumma

Legal name

Bank Nusumma

Website

https://nusumma.co.id

Company type

Private

Founded year

1990

Operating status

Operating

Headcount range

101–250 employees

Short description

Bank Nusumma is an Indonesian rural bank (BPR) founded in 1990, providing savings, time deposits, loans, and virtual account services to over 100,000 retail and SME customers through a 37-branch network across Java.

Ownership category

akta.pro rank

Product category

Community Banking (Rural Bank / BPR)

NAICS

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

SIC

National Commercial Banks (6021)

akta.pro primary industry

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

akta.pro secondary industry

Small Business Banking (Microbusiness/Sole Proprietor) (FSABAAAI)

Keywords

• Rural banking services
• Savings accounts
• Time deposits
• SME loans
• Community banking

Headquarters

HQ city

Subang

HQ country

Indonesia

HQ region

Asia

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Savings and Deposits: Traditional banking deposit products including savings accounts (Tabungan) and time deposits (Deposito) from retail customers.
2. Loans and Credit: Providing loans (Pinjaman) to retail customers and SMEs, generating interest income as the primary revenue stream.
3. Virtual Account Services: Digital banking services including virtual accounts for business transactions.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

Bank Nusumma is an Indonesian rural bank (BPR - Bank Perkreditan Rakyat) that provides basic banking products and services to retail customers and small/medium enterprises. Its product portfolio consists of four core offerings: Tabungan (savings accounts), Deposito (time deposits), Pinjaman (loans and credit facilities), and Virtual Account services for payment collection. The bank operates 37 branches serving over 100,000 customers across Indonesia.

Product overview

Bank Nusumma is a BPR (Bank Perkreditan Rakyat / Rural Bank) in Indonesia offering basic banking products and services. The company operates with a unified product portfolio consisting of deposit products (Tabungan/Demand Savings and Deposito/Time Deposits), loan products (Pinjaman), and virtual account services for payment collection. With 37 office branches, 100K+ customers, 450 employees, and total assets of 1.2 Trillion IDR (as of May 2026), the bank serves primarily retail and micro/small business (UKM) customers in Indonesia.

Differentiator

Problem solved

Functional benefit

Products and services

• Tabungan (Savings Account) Savings account product offering for individual customers to deposit and store funds with interest benefits.
• Deposito (Time Deposit) Time deposit product allowing customers to place funds for fixed periods at predetermined interest rates.
• Pinjaman (Loan) Loan and credit facilities for individuals and businesses (UKM/UMKM) to support capital needs.
• Virtual Account Virtual account service enabling businesses and individuals to receive payments through virtual account numbers linked to their accounts.

Quantifiable outcome

• NPL ratio of 4.2% demonstrating effective credit risk management
• +2 more outcomes

Named customers3 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators6 records

Recent moves4 records

Expansion highlights4 records

Broad incumbents

• Bank Permata: Mid-sized Indonesian commercial bank with retail and SME product offerings. Comparable as a private Indonesian commercial bank, though with broader geographic and product reach than Bank Nusumma.
• Bank Rakyat Indonesia (BRI): Indonesia's largest bank by assets with a massive micro/SME and rural lending franchise through its BRILink and Kupedes networks. Highly comparable due to shared focus on financial inclusion and micro/SME lending, though at vastly larger scale.
• Bank Mandiri: One of Indonesia's largest state-owned banks with a substantial SME and consumer banking franchise. Overlaps with Bank Nusumma in the SME and retail deposit market.
• Bank Central Asia (BCA): Indonesia's largest private commercial bank with extensive retail and SME operations. While at a much larger scale, competes in the same Indonesian commercial banking market for deposits and SME credit.

Emerging players

• Bank Neo Commerce: Digital-first Indonesian bank focused on retail and SME customers via mobile app. Represents a competitive threat to traditional BPRs like Bank Nusumma in the retail deposit and micro-lending space.
• Bank Jago: Indonesian digital-native bank backed by GoTo and aims to serve retail and SME customers through a mobile-first platform. Competes with Bank Nusumma for retail deposits and small business lending, especially among younger demographics.

Direct peers

• Bank Tabungan Pensiunan Nasional (BTPN): Indonesian bank focused on serving unbanked and underbanked retail customers, particularly the mass market segment. Closely comparable in customer base and community-banking model, now owned by SMBC.

Regional players

• Bank Mayapada: Private Indonesian commercial bank with retail and SME lending operations. Comparable as a sub-large Indonesian private bank competing in similar retail/SME deposit and lending markets.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/kerendanjuara
• Facebookfacebook.com/dekatmuliaterpercaya
• LinkedInlinkedin.com/company/bank-nusumma

Revenue estimate

Valuation estimate

Number of profiles

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 Nusumma