Bank Artha Graha Internasional

What Bank Artha Graha Internasional does

Bank Artha Graha Internasional (BAGI) is an Indonesian commercial bank founded in 1973 and headquartered at Gedung Artha Graha in Jakarta's Sudirman Central Business District. Listed on the Indonesia Stock Exchange under ticker BAGI and classified as a KBMI 1 bank (core capital up to Rp6 trillion), it operates a horizontally segmented business spanning retail, corporate, and MSME banking. As of December 31, 2025 it reported third-party funds of Rp22.65 trillion with a 37.70% CASA composition, total loans disbursed of Rp9.79 trillion, and a Capital Adequacy Ratio of 27.76%, supported by five-year averages of 5% asset growth and 7.82% DPK growth.

The bank's technology platform is built around the agi mobile banking app (self-service account opening, QRIS payments, biometric login, BI Fast transfers, cardless ATM withdrawal), the GrahaCash ATM card on the GPN network, and E-Graha Corporate internet banking for virtual accounts, billing, and payroll. Distribution combines a nationwide branch network, an extensive off-premises ATM footprint across at least 11 Indonesian provinces, digital self-service channels, and a 24-hour GrahaCall/GrahaChat contact centre. Revenue is generated through net interest income on corporate, SME, and retail credit, deposit funding spreads, and an increasing share of fee-based income from QRIS merchant acquiring and digital transactions, with a 2026 product agenda adding cross-border QRIS and gold purchase services.

Name

Bank Artha Graha Internasional

Legal name

PT Bank Artha Graha Internasional Tbk

Website

https://arthagraha.com

Company type

Public

Founded year

1973

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Bank Artha Graha Internasional is an Indonesian commercial bank offering retail, corporate, and MSME banking services through its agi mobile app, corporate internet banking, and nationwide branch and ATM network.

Ownership category

akta.pro rank

Product category

Retail and Commercial Banking

NAICS

Commercial Banking (52211), Commercial Banking (522110)

SIC

National Commercial Banks (6021)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

Keywords

• Retail banking services
• Corporate banking
• Digital banking
• Deposit products
• Lending services

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

Revenue model

1. Interest Income: Core banking revenue from interest on loans and credit facilities extended to corporate, SME, and retail customers. Total loans disbursed reach Rp9.79 trillion.
2. Third-Party Funds (DPK): Deposit collection from customers including current accounts, savings accounts, and time deposits. DPK reached Rp22.65 trillion with 37.70% CASA composition.
3. Fee-Based Income: Commission revenue from digital banking services, QRIS merchant transactions, and cross-border QRIS services. Growing contribution from digital channel transactions.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels6 records

Core offering

Bank Artha Graha Internasional is an Indonesian commercial bank providing retail and corporate banking services, including savings and current accounts, time deposits, consumer and corporate loans, trade finance, treasury services, and digital banking channels. The bank serves both individual customers and business/institutional clients through its branch network, electronic channels (online/mobile banking, ATMs), and payment card products, complemented by a Sharia banking unit.

Product overview

Bank Artha Graha Internasional operates as an Indonesian commercial bank offering a unified digital banking platform through multiple channels: the agi digital apps (mobile banking), Retail Internet Banking, and E-Graha Corporate (corporate internet banking). The product portfolio spans three core areas: (1) Funding Products including Tabungan Artha, Tabungan Icon (digital-only), Tabungan Artha Merchant, Tabungan Pintar, Tabungan Prega, Tabungan Wira, Tabungan Artha Payroll, Giro, Deposito, Simpanan Pelajar, and Tabunganku savings accounts; (2) Credit Products including Kredit Produktif (working capital and investment loans), KPR (home mortgages including FLPP subsidized program), and KTA (unsecured personal loans); and (3) E-Banking Services including GrahaCash ATM cards (GPN network), Virtual Account & Billing System for corporate customers, Payroll services, Laku Pandai (financial inclusion program), and Modul Penerimaan Negara (state payments). The bank also offers a credit simulation tool and QRIS merchant services. The flagship mobile app agi integrates most banking functions while the corporate platform supports business-specific needs like virtual accounts and payroll processing.

Differentiator

Problem solved

Functional benefit

Brands

• agi: Mobile banking application offering digital banking services including account opening, fund transfers, QRIS payments, and savings management.
• GrahaCash
• E-Graha
• GrahaCall
• GrahaChat

Products and services

• Retail Savings and Current Accounts Deposit accounts (savings and current) for individual consumers, providing everyday transactional banking, fund custody, and payment access via branches, online banking, mobile apps, ATMs, and cards.
• Time Deposits (Deposito) Fixed-term deposit products that allow customers to place funds for a specified tenor at a contracted interest rate.
• Consumer Loans Credit facilities provided to individual retail borrowers for personal financing needs, typically repaid in installments.
• Corporate Lending Credit facilities including working capital financing, term loans, and trade finance for corporate and SME customers to support operations and growth.
• Digital Banking (Online and Mobile) Web and mobile banking services allowing retail and corporate customers to access account information, perform transfers, pay bills, and conduct other banking activities digitally.
• Card Products (Debit/Credit Cards and ATM Cards) Debit, credit, and ATM card products enabling customers to access funds at ATMs and perform card-based payments.
• Sharia Banking (Unit Usaha Syariah) A dedicated Sharia-compliant banking unit offering deposit, financing, and service products that comply with Islamic finance principles.

Quantifiable outcome

• Third-party funds growth of 7.82% per year over 5 years with stable CASA composition
• +3 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature4 records

Partnerships

Five partnerships are on record, tiered core and minor.

• Hotel Borobudur JakartacoreStrategic or Co-development Partner · 12 June 2026Partnership for Jakfest 2026 at Lapangan Banteng, Jakarta. Hotel Borobudur collaborated with Bank Artha Graha Internasional to provide convenient digital transactions and promote cashless society during the festival.
• Dinas PPKUKM (Disperindagkop UMKM)minorStrategic or Co-development Partner · 12 June 2026Collaboration with Dinas Perdagangan, Koperasi, Usaha Kecil dan Menengah for Jakfest 2026, supporting MSME ecosystem development and digital financial inclusion.
• Pemprov DKI Jakarta (Dinas related)minorGTM or Marketing Partner · 12 June 2026Support from various DKI Jakarta government departments including Dishub, Satpol PP, Dinas Pendidikan, Dinas Pemuda dan Olahraga, Dinas Kebudayaan for Jakfest 2026 event.
• Kodam III/Siliwangi (Indonesian Army)coreStrategic or Co-development Partner · 19 April 2026Collaboration with Kodam III/Siliwangi for character building programs targeting thousands of students. Bank Artha Graha Internasional supports military-community development initiatives through financial education and character development.
• TNI (Indonesian National Armed Forces)coreStrategic or Co-development Partner · 10 April 2026Bank Artha Graha Internasional established as Strategic Banking Partner for TNI, providing banking services to military personnel and their families.

Scale indicators7 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Bank Mandiri: State-owned Indonesian commercial bank with broad retail, SME, and corporate banking; comparable in product breadth (deposits, loans, QRIS, payroll) but operates at vastly larger scale, defining the competitive ceiling for KBMI 1 peers.
• Bank Central Asia: Indonesia's largest private commercial bank with retail, corporate, and digital banking; provides a benchmark for QRIS-led digital transformation and CASA dominance that Bank Artha Graha is attempting to emulate at smaller scale.

Direct peers

• Bank Victoria International: Mid-sized Indonesian commercial bank listed on IDX with a similar KBMI 1 scale profile, offering retail and corporate banking; directly comparable in size, charter type, and product mix.
• Bank Jago: Indonesia-listed digital-focused bank serving retail and SME customers via a mobile-first platform; comparable to Bank Artha Graha in KBMI tier and digital banking emphasis, though materially faster-growing.
• Bank MNC Internasional: IDX-listed Indonesian commercial bank of similar KBMI 1 tier with retail, SME, and treasury operations; comparable deposit-funded business model and target customer segments.
• Bank Harda Internasional: Indonesian commercial bank operating in the KBMI 1 tier with retail and corporate services; closely comparable in scale, IDX listing status, and reliance on interest income.
• Bank Mestika Dharma: Indonesian regional commercial bank providing retail deposits, consumer loans, and corporate banking; comparable in mid-tier capital size and Indonesian deposit-funded model.
• Bank IBK Indonesia: Mid-sized Indonesian commercial bank with retail and corporate offerings; comparable in KBMI tier, IDX listing, and FX deposit pricing structure.
• Bank Maspion Indonesia: IDX-listed Indonesian commercial bank of similar small-to-mid scale offering deposits, working capital loans, and consumer credit; directly comparable in KBMI tier and customer mix.
• Bank Ina Perdana: Smaller Indonesian commercial bank with retail and SME focus; comparable in KBMI tier, FX deposit products, and IDX-listed corporate banking profile.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/bagikabarbaik
• YouTubeyoutube.com/@temanagibybankarthagrahain123
• Facebookfacebook.com/PT-Bank-Artha-Graha-Internasional-Tbk-1214424761909136
• Instagraminstagram.com/teman.agi
• TikToktiktok.com/@temanagi
• LinkedInlinkedin.com/company/pt.bank-artha-graha-internasional-tbk

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 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 Artha Graha Internasional