MNC Kapital Indonesia

What MNC Kapital Indonesia does

PT MNC Kapital Indonesia Tbk (IDX: BCAP) is the publicly listed financial services holding company of Indonesia's MNC Group, operating since 1999 (IPO 2001) as an integrated financial services group with nine wholly-owned business units: MNC Bank (digital banking for retail and SMEs, 45.1% of FY2025 revenue), MNC Life (18.7%), MNC Insurance (13.3%), MNC Sekuritas (6.8%, including the Auerbach Grayson international brokerage), MNC Finance (6.1%, multipurpose/vehicle/home financing), MNC Leasing (4.6%), MNC Teknologi Nusantara/Flash/MotionPay (3.6%, digital payments including QR cross-border), and MNC Asset Management, alongside other units. The group serves Indonesian retail customers, SMEs/UMKM, and securities investors through bank branches, bancassurance and agency channels, mobile trading, and embedded QR payment rails; FY2025 consolidated revenue was Rp3.77 trillion (+16.2% YoY) with net income of Rp277.93 billion (+130.1% YoY), total assets of Rp29.04 trillion, equity of Rp5.42 trillion, and liabilities of Rp23.62 trillion. Revenue is diversified across banking, life and general insurance premiums, brokerage commissions, financing/leasing spreads, and fintech transaction fees, with cross-sell enabled by parent MNC Group's media ecosystem and 1,001–5,000 employees. Strategic priorities in 2024–2025 include rolling out cross-border QRIS payments (Singapore, Thailand, Malaysia, Japan) via Jalin and other partnerships, deepening MSME financial inclusion through a December 2025 agreement with the Ministry of UMKM, and pursuing governance/ESG initiatives such as Top CSR 2025 Star 5 and the Indonesian Circular Economy Award 2025.

Name

MNC Kapital Indonesia

Legal name

PT MNC Kapital Indonesia Tbk

Website

https://mncfinancialservices.com

Company type

Public

Founded year

1999

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

PT MNC Kapital Indonesia Tbk (IDX: BCAP) is an Indonesian integrated financial services group, operating banking, insurance, securities, leasing, consumer finance, asset management, and digital payment subsidiaries under the MNC Group umbrella, serving retail, SME, and capital-markets customers.

Ownership category

akta.pro rank

Product category

Integrated Financial Services

NAICS

Offices of Bank Holding Companies (551111), Funds, Trusts, and Other Financial Vehicles (525), Corporate, Subsidiary, and Regional Managing Offices (551114)

SIC

State Commercial Banks (6022), Short-Term Business Credit Institutions (6153), Security Brokers, Dealers & Flotation Companies (6211)

akta.pro primary industry

Corporate & Institutional Trust Services (FSAAANAB)

akta.pro secondary industries

Fiduciary Agency & Trustee-for-Hire Services (FSAAANAL), Account Opening, KYC/AML & Customer Due Diligence (CDD/EDD) (FSABALAA)

Keywords

• Integrated financial services
• Digital banking services
• Life insurance products
• Securities brokerage services
• Consumer financing solutions

Headquarters

HQ city

Jakarta

HQ country

Indonesia

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Banking (MNC Bank): Revenue from banking operations including interest income, transaction fees, and service charges. Contributed 45.1% of consolidated revenue in 2025 (Rp1.7 trillion).
2. Life Insurance (MNC Life): Premium income from life insurance products. Contributed 18.7% of consolidated revenue in 2025.
3. General Insurance (MNC Insurance): Premium income from general insurance coverage products. Contributed 13.3% of consolidated revenue in 2025.
4. Securities (MNC Sekuritas): Brokerage commissions and advisory fees from investment services including full-service advisory to mobile trading. Contributed 6.8% of consolidated revenue in 2025.
5. Consumer Finance (MNC Finance): Financing income from multipurpose, vehicle, and home financing. Contributed 6.1% of consolidated revenue in 2025.
6. Leasing (MNC Leasing): Lease income from productive asset and capital financing solutions. Contributed 4.6% of consolidated revenue in 2025.
7. Asset Management (MNC Asset Management): Management fees from investment management services and fund management.
8. Financial Technology (MNC Teknologi Nusantara/MotionPay): Payment gateway and fintech services including transaction fees from QR payments and digital financial services. Contributed 3.6% of consolidated revenue in 2025.

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

PT MNC Kapital Indonesia Tbk is a publicly listed holding company that consolidates and operates an integrated suite of financial services businesses, including banking (MNC Bank), life insurance (MNC Life), general insurance, securities brokerage (MNC Sekuritas), leasing (MNC Leasing), consumer finance (MNC Finance), asset management (MNC Asset Management), fintech lending (MNC Teknologi Nusantara), and payment gateway services (MotionPay). The group delivers these financial products and services to individual consumers, SMEs, and corporate/institutional clients across Indonesia through both physical branches and digital channels.

Product overview

PT MNC Kapital Indonesia Tbk operates as an integrated financial services group with a diversified portfolio of business units covering banking, consumer finance, leasing, securities, insurance (general and life), asset management, financial technology, and payment gateway services. The company serves retail, SME, and corporate segments through its subsidiaries including MNC Bank (digital banking), MNC Finance (consumer financing), MNC Leasing (asset financing), MNC Sekuritas (securities/brokerage), MNC Insurance (general insurance), MNC Life (life insurance), MNC Asset Management (investment management), MNC Teknologi Nusantara (fintech/digital), Flash (payment gateway), and MotionPay (mobile payments). The integrated model enables cross-selling opportunities across the financial services spectrum.

Differentiator

Problem solved

Functional benefit

Brands

• MotionPay: Digital payment solution provider for electronic payment systems and services
• Flash
• SuperFlash

Products and services

• MNC Bank Banking subsidiary offering digital and conventional banking products and services to retail customers, SMEs, and corporate clients within the MNC Kapital Indonesia group.
• MNC Life Life insurance subsidiary providing life protection and insurance products to individual and group policyholders.
• MNC Insurance General insurance subsidiary offering non-life insurance products such as property, motor, and other general insurance coverage to individual and corporate customers.
• MNC Sekuritas Securities brokerage and capital markets subsidiary providing retail and institutional brokerage, investment services, and corporate finance activities.
• MNC Finance Consumer finance subsidiary providing consumer credit and financing solutions to individual customers.
• MNC Leasing Leasing subsidiary providing leasing solutions for vehicles, equipment, and other assets to corporate and individual customers.
• MNC Asset Management Asset management subsidiary managing investment products and portfolios for individual and institutional investors.
• MNC Teknologi Nusantara Fintech subsidiary providing digital financial technology applications and services within the MNC Kapital Indonesia ecosystem.
• MotionPay Electronic money and payment gateway service providing mobile payment, e-money, and merchant payment acceptance solutions.
• QR Cross-Border Payment QR-based cross-border payment service enabling international QR payment interoperability through the group's payment infrastructure.

Quantifiable outcome

• Consolidated revenue of Rp3.77 trillion in 2025, up 16.2% year-on-year
• +2 more outcomes

Named customers4 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

Feature4 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• Kementerian UMKM (Ministry of MSMEs)coreStrategic or Co-development Partner · 24 December 2025MNC Kapital signed cooperation agreement with the Ministry of MSMEs to strengthen access and utilization of integrated financial services for MSME players in Indonesia. The collaboration aims to support financial inclusion improvement, accelerate digital transformation, and strengthen MSME business capacity.
• Pemerintah Kabupaten Tapanuli UtaraminorStrategic or Co-development Partner · 8 December 2025MNC Peduli coordinated with Tapanuli Utara local government to distribute humanitarian aid to flood and landslide victims, delivering 450 blankets, 300 boxes of mineral water, 500kg rice, clothing, and baby food to affected communities.
• ICEST Institute & BSNminorOthers · 18 November 2025MNC Peduli received two Indonesian Circular Economy Awards 2025 from ICEST Institute and BSN for green economy programs including bioconversion and Agri Livestock Loop initiatives.
• PT Jalin Pembayaran Nusantara (Jalin)coreTechnology or Integration · 12 November 2024MotionPay (from MNC Teknologi Nusantara) partnered with Jalin to enable QR cross-border payment services. Through the Singapore Fintech Festival 2024 partnership, users can enjoy QR payment functionality across Singapore, Thailand, and Malaysia via Jalin's Link switching infrastructure. This supports the Blueprint Sistem Pembayaran Indonesia and enhances regional digital payment connectivity.
• La Tofi School of Social ResponsibilityminorOthers · 7 June 2023MNC Group participated in Indonesia Green Awards 2024 organized by La Tofi School of Social Responsibility, winning 8 category awards for environmental and sustainability initiatives.
• Kementerian Pariwisata dan Ekonomi Kreatif (Kemenparekraf)minorStrategic or Co-development Partner · 30 June 2021MNC Peduli collaborated with Kemenparekraf to organize vaccination centers for television industry workers and journalists. The program targeted 1,200 participants at Gedung High End and 6,000 total across MNC Center and MNC Studios locations.
• Enesis GroupminorStrategic or Co-development Partner · 21 June 2021MNC Peduli supported Enesis Group's vaccination center initiative for 10,000 public transportation workers and general citizens in collaboration with Jakarta Health Office. The program ran June 21 to July 8, 2021 to support herd immunity and national economic recovery.
• LotteMart IndonesiaminorStrategic or Co-development Partner · 1 November 2017MNC Peduli partnered with LotteMart's Sahabat Belanja program to collect donations from LotteMart customers for social initiatives. The partnership funded bridge rehabilitation projects in underserved areas like Cipluk Village, Kendal, Central Java, providing access for over 1,700 residents.

Scale indicators7 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Bank Central Asia (BCA): Indonesia's largest privately-owned commercial bank, listed on IDX. Directly comparable in banking operations (MNC Bank's primary competitor) and in integrated digital banking services targeting retail and SME customers.
• Lippo E-Net: Indonesian financial services holding company affiliated with Lippo Group, operating in banking, insurance, and asset management. Comparable diversified financial services holding structure under a conglomerate parent.
• Bank Mandiri: Indonesia's largest state-owned commercial bank with comprehensive financial services including banking, insurance, and securities. Comparable scale and breadth of services, representing the dominant banking competitor in MNC Kapital's primary market.
• Panin Financial: Indonesian financial services holding company controlling Panin Bank and related financial subsidiaries. Comparable holding company structure with banking and insurance operations in the Indonesian market.
• Sinar Mas Multiartha: Indonesian integrated financial services holding company with banking, insurance, and securities subsidiaries. Closest direct peer in structure and scale to MNC Kapital Indonesia, both operating as diversified financial groups under major Indonesian conglomerates.

Broad incumbents

• GoTo Group (GoPay): Indonesia's largest digital ecosystem with GoPay payment services. Comparable in digital payment operations (MotionPay competitor) and fintech ambitions, though operating at much larger scale.
• Bank Danamon: Established Indonesian commercial bank offering retail, SME, and consumer finance services. Comparable in customer segment focus and product breadth, with established multi-channel distribution.
• Bank Negara Indonesia (BNI): Major Indonesian state-owned commercial bank with full-service banking, securities, and insurance operations. Comparable breadth of financial services and a direct competitor in the Indonesian retail and corporate banking markets.
• Bank Rakyat Indonesia (BRI): Indonesia's largest bank by branch network with dominant MSME and consumer banking presence. Represents the dominant incumbent in MNC Bank's SME target segment and a benchmark for financial inclusion strategy.

Emerging players

• DANA Indonesia: Leading Indonesian digital wallet and payment platform. Directly competes with MotionPay in the Indonesian QR payment space, representing a meaningful emerging threat in the consumer and merchant payment segments.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/mnc-kapital-indonesia

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Subsidiaries9 records

Funding overview

Funding rounds

Investors

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

M&A1 record

Investments

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

Frequently asked questions about MNC Kapital Indonesia