What KB Bank does

KB Bank (legally PT Bank KB Indonesia Tbk) is an Indonesian commercial bank founded in 1970 as Bank Umum Koperasi Indonesia (Bukopin) to serve the cooperative movement. It operates across four core business pillars — Mikro (micro), UMKM (SME), Bisnis Konsumer (consumer), and Bisnis Komersial (commercial) — and is publicly listed in Indonesia. Following KB Kookmin Bank's acquisition of a 67% controlling stake in 2021, the bank has undergone staged rebranding (PT Bank KB Bukopin Tbk in 2024, then PT Bank KB Indonesia Tbk in 2025) and now operates 1 Head Office, 29 Main Branch Offices, 142 Sub-Branch Offices, 2 Functional Offices, and 13 priority banking centers across the country. Two majority-owned subsidiaries — PT KB Bukopin Finance (99.24%, leasing and multifinance) and PT Bank KB Bukopin Syariah (95.92%, Islamic banking) — extend the franchise into sharia banking and consumer finance.

The bank distributes products through both physical and digital channels. Core digital platforms are KBstar (mobile banking for individuals) and KBstarbiz (internet banking for businesses), supplemented by Virtual Account services, KB Payment Point, Autodebet, and bank reference / custodian / syndicated loan services for commercial clients. The product portfolio spans credit cards (Classic through Infinite plus Bisnis variants), debit cards (GPN, Mastercard, co-branded), savings accounts (standard, business, premium, rencana, kerjasama, valas, pensiunan, SimPel, TabunganKu), current accounts (Rupiah and valas), time deposits, consumer loans (KPR, vehicle, multi-purpose, civil servant, pensioner), SME loans (KUR, working capital, investment, distributor and vendor financing, trade finance, bank guarantees), wealth management (mutual funds, ORI, insurance), priority banking, and safe deposit box services. ISO 27001, ISO/IEC 20000-1, and ISO 9001 certifications underpin its information security and quality management posture.

KB Bank generates revenue primarily through interest income from credit (micro, SME, consumer, commercial, and working capital loans), fee-based income (transactions, account services, credit cards, wealth management), and third-party fund management (savings, current accounts, time deposits). Base lending rates (Suku Bunga Dasar Kredit) disclosed include 9.37% for corporate credit, 9.51% for retail/micro, and 9.92% for KPR/non-KPR consumer. Priority banking requires a minimum IDR 500 million deposit. The bank holds an idAAA national rating from both Fitch Ratings and Pefindo, and has won multiple industry awards (Digital Brand Awards by Infobank, GRC, ESG, Best Corporate Secretary, Best Brand Image) across 2021–2025, including the ATM Bersama 2025 award for highest transaction growth among issuer banks.

Name

KB Bank

Legal name

PT Bank KB Indonesia Tbk

Website

https://kbbank.co.id

Company type

Public

Founded year

1970

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

KB Bank (PT Bank KB Indonesia Tbk) is an Indonesian commercial bank serving micro, SME, consumer, and commercial segments via 174 branches and digital platforms KBstar and KBstarbiz. It is 67%-controlled by South Korea's KB Kookmin Bank and holds an idAAA national rating.

Ownership category

akta.pro rank

Product category

Commercial Banking

NAICS

Commercial Banking (522110)

SIC

State Commercial Banks (6022)

akta.pro primary industry

General SME & Middle-Market Commercial Banking (FSABABAA)

akta.pro secondary industries

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA), SME Cash Management & Payments (Merchant, ACH/Wires, Payroll) (FSABABAD)

Keywords

• Retail banking services
• Commercial banking
• Digital banking
• SME lending
• Priority banking

Headquarters

HQ city

Jakarta

HQ country

Indonesia

HQ region

Asia

Offices5 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income from Credit/Loans: Primary revenue from interest charged on lending products including micro credit, SME loans, consumer loans (KPR, vehicle loans), commercial loans, and working capital financing
2. Fee-Based Income: Income from transaction fees, account services, credit card services, wealth management products, and other banking services
3. Third-Party Fund Management: Revenue from managing customer deposits including savings accounts, current accounts (giro), and time deposits (deposito)

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels5 records

Core offering

KB Bank is an Indonesian commercial bank providing a comprehensive suite of financial products and services across four business pillars: Micro, SME/UMKM, Consumer, and Commercial. Core offerings include deposit products (savings, current accounts, time deposits), lending products (micro credit, SME loans, KPR/vehicle loans, commercial loans), digital banking via KBstar mobile app and KBstarbiz internet banking, credit and debit cards, wealth management products, priority banking services, and business services such as trade finance, virtual accounts, and custodian services.

Product overview

KB Bank (PT Bank KB Indonesia Tbk) is an Indonesian commercial bank offering a comprehensive suite of banking products and services organized across multiple segments: individual retail banking (credit cards, debit cards, savings accounts, current accounts, time deposits, and personal loans), priority banking (KB Bank Prioritas with exclusive services for high-net-worth customers), wealth management (mutual funds, government securities, insurance products), business banking (Virtual Account, autodebet, custodian services, trade finance), and SME/commercial banking (SME Mortgage, distributor financing, working capital loans, investment credit, KUR micro-lending). The bank's digital banking platforms include KBstar (mobile app for individual customers) and KBstarbiz (digital banking for business customers). The bank operates through a network of 1 head office, 29 main branch offices, 142 sub-branch offices, and 2 functional offices across Indonesia.

Differentiator

Problem solved

Functional benefit

Brands

• KBstar: Digital savings and transaction application for managing finances via smartphone
• KBstarbiz
• KB Bank Prioritas
• KB Bukopin Finance
• KB Bukopin Syariah

Products and services

• Tabungan SiAga KB Bank (Savings Accounts) Comprehensive savings account suite including Tabungan SiAga (standard), Bisnis (business owners), Premium (high-value customers), Rencana (goal-based), Kerjasama (institutional partners), Valas (foreign currency), Pensiunan (pensioners), Tabungan SimPel (students), and TabunganKu (national savings program). For individual and business customers seeking deposit and transactional banking services.
• Giro (Current Accounts) Current account products including Giro KB Bank Rupiah (rupiah-denominated for business transactions) and Giro KB Bank Valas (foreign currency for international business dealings). For business and commercial customers requiring frequent transaction accounts.
• Deposito (Time Deposits) Time deposit products including Deposito KB Bank Rupiah (rupiah-denominated), Deposito Merdeka (flexible with enhanced features), and Deposito KB Bank Valas (foreign currency). For customers seeking secure, fixed-return savings instruments.
• Credit Cards (Kartu Classic, Gold, Platinum, Bisnis Diamond, Bisnis Colorful, Customized, Worldcard, Infinite) Tiered credit card offerings ranging from Classic (entry-level) to Infinite (premium), including business-specific cards (Bisnis Diamond, Bisnis Colorful) and customized cards. For individual consumers and business customers seeking payment convenience, lifestyle benefits, and cashback options.
• Debit Cards (GPN, Mastercard, Co-Branding) Debit card products including GPN (domestic Indonesia transactions), Mastercard (domestic and international), and Co-Branding (customizable for companies or communities). For individual and business account holders requiring payment card access.
• Personal Loans (KPR, Vehicle Loans, Multi-Purpose, Pensioner Loans) Personal loan products including Kredit Kepemilikan Rumah/Apartemen (home/apartment mortgage), Kredit Kepemilikan Mobil (vehicle financing), Kredit Serba Guna (multi-purpose), Kredit PNS Aktif (active civil servants), Kredit Pra Pensiun (pre-retirement), and Kredit Pensiunan (retiree credit). For individual consumers seeking personal financing.
• SME and Commercial Loans (KUR, Modal Kerja, Investasi, Distributor & Vendor Financing, Trade Finance) SME and commercial lending products including Kredit Usaha Rakyat (KUR, government-backed micro/SME lending), Kredit Modal Kerja (working capital), Kredit Investasi (investment credit), SME Mortgage, Distributor Financing, Vendor Financing, Trade Finance (import/export), and Bank Garansi (bank guarantees). For small, medium, and commercial enterprise customers.
• KBstar Mobile Banking Digital mobile banking application for individual customers enabling savings account management, fund transfers, and basic banking operations via smartphone (iOS and Android).
• KBstarbiz Internet Banking Digital banking platform for business customers enabling banking transactions from PC, laptop, and mobile devices for efficient business financial management.
• KB Bank Prioritas (Priority Banking Service) Premium banking service providing exclusive facilities including dedicated relationship managers, priority counters, airport lounges, premium credit cards, and Safe Deposit Box with priority access. For high-net-worth customers with minimum IDR 500 million in assets or KPR plafond of IDR 2 billion. Served through 13 dedicated priority banking centers.
• Wealth Management Products (Reksa Dana, ORI, Insurance) Wealth management offerings including Reksa Dana (mutual funds), Surat Berharga Negara Ritel Online (government retail securities), Smart Maxi Assurance (investment-linked insurance), and Smart Life Protection (life insurance). For customers seeking portfolio diversification and wealth accumulation.
• Business Services (Virtual Account, Autodebet, Custodian, Syndicated Loans, Trade Finance) Business services including Virtual Account (digital payment collection for universities, property developers), Layanan Autodebet (automatic transfers), Referensi Bank (bank reference letters), Stop Payment Order, Wali Amanat (trustee services), Jasa Kustodi (custodian services with fireproof vaults), Jasa Sindikasi (syndicated loans), and KB Payment Point (bill collection partnership). For corporate and commercial clients.
• Individual Services (Safe Deposit Box, KB Bank Kiriman Uang/BuKU, Customer Complaint) Individual banking services including Safe Deposit Box (secure vault storage), KB Bank Kiriman Uang/BuKU (domestic money transfer), and Alur Pengaduan Nasabah (customer complaint resolution process). For individual banking customers.
• SME Services (Mini ATM KB Bank, Swamitra) SME-specific services including Mini ATM KB Bank (compact ATM installation at SME merchant locations) and Swamitra (micro financing channel for small business operators). For small and medium enterprise customers.

Named customers4 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Five partnerships are on record, tiered core.

• KB Bukopin FinancecoreOthersSubsidiary company (99.24% ownership) engaged in leasing and multi-finance business, formerly known as PT Indo Trans Buana Multi Finance, established 1983.
• PT Bank KB Bukopin SyariahcoreOthersSubsidiary company (95.92% ownership) engaged in Sharia banking, formerly known as PT Bank Persyarikatan Indonesia, established 1990.
• ATM BersamacoreTechnology or IntegrationATM Bersama network partnership enabling KB Bank customers to access ATM services across Indonesia through the ATM Bersama network.
• ATM PrimacoreTechnology or IntegrationATM Prima network partnership providing KB Bank customers with ATM access across the Prima network in Indonesia.
• Lembaga Penjamin Simpanan (LPS)coreOthersGovernment deposit insurance institution. KB Bank is a participant of LPS deposit guarantee program with maximum coverage of Rp 2 billion per customer per bank.

Scale indicators3 records

Recent moves8 records

Expansion highlights5 records

Direct peers

• Bank Permata: Mid-tier Indonesian commercial bank with similar consumer, SME, and commercial banking focus. Comparable to KB Bank in scale, digital offering, and segment coverage, particularly in retail deposits, credit cards, and priority banking.
• Bank Maybank Indonesia: Indonesian subsidiary of Malaysia's Maybank, offering consumer, SME, and commercial banking. Comparable to KB Bank in scale, foreign-bank-controlled governance structure, and segment coverage including priority banking.
• Bank Danamon: Mid-tier Indonesian commercial bank serving consumer, SME, and commercial segments with similar multi-pillar strategy. Directly comparable to KB Bank in customer segmentation, with similar scale and similarly focused on priority banking and digital transformation.
• Bank OCBC NISP: Indonesian subsidiary of Singapore's OCBC group, serving consumer, SME, and commercial segments. Comparable to KB Bank as a foreign-controlled mid-tier bank pursuing digital transformation and multi-segment strategy in Indonesia.
• Bank CIMB Niaga: Mid-large private Indonesian commercial bank with strong focus on consumer, SME, and commercial segments. Closest direct peer to KB Bank by segment mix, scale (KBMI 2 class), and digital product offerings including mobile and internet banking.
• Bank Panin: Mid-tier Indonesian private bank offering consumer, SME, and commercial banking. Comparable to KB Bank in scale (KBMI 1/2), focus on retail deposits, credit cards, and digital banking transformation efforts.

Broad incumbents

• Bank Rakyat Indonesia (BRI): Indonesia's largest bank by customer count, with unmatched micro and SME lending portfolio. Directly comparable to KB Bank in the UMKM/micro segment, where both serve Indonesian small businesses, though BRI's ultra-mass scale dwarfs KB Bank's reach.
• Bank Mandiri: Indonesia's largest bank by assets, offering full-service commercial, consumer, and SME banking across Indonesia. Comparable to KB Bank in offering retail deposits, SME loans, and digital banking, but operates at vastly greater scale and broader portfolio scope.
• Bank Negara Indonesia (BNI): One of Indonesia's Big 4 state-owned banks, offering commercial, consumer, and SME banking with strong digital initiatives. Comparable to KB Bank across commercial lending, SME products, and digital platforms, but at significantly larger scale.
• Bank Central Asia (BCA): Indonesia's largest private bank, dominant in consumer and SME banking with leading digital platforms. Directly comparable to KB Bank across consumer deposits, credit cards, KPR, and SME lending, but with substantially larger branch network and asset base.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks4 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/@kbbank_id
• LinkedInlinkedin.com/company/pt.-bank-kb-bukopin-tbk

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries2 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 KB Bank