PT Bank Negara Indonesia (Persero) Tbk, commonly known as BNI, is one of Indonesia’s oldest and largest state-owned commercial banks. Established in 1946 shortly after the country’s independence, BNI was originally tasked with financing the fledgling republic’s economic development. Over the decades, it has grown into a diversified financial institution offering an array of banking services for retail, small and medium-sized enterprises (SMEs), corporates and institutional clients.
BNI’s core business activities encompass corporate and commercial banking, consumer and retail lending, trade finance, treasury and cash management, as well as wealth management products. The bank has made significant investments in digital banking platforms, rolling out mobile and internet banking services to improve customer accessibility. It also provides specialized financing solutions such as Islamic banking products, infrastructure financing, export and import financing, and working capital loans.
Headquartered in Jakarta, BNI maintains an extensive domestic network of branches, micro-branches and ATMs across all provinces of Indonesia. To support Indonesian businesses operating globally and to serve overseas clients, the bank operates international branches and representative offices in major financial centers including Singapore, Hong Kong, London, New York, Tokyo and Dubai. This footprint enables BNI to facilitate cross-border trade and remittance flows for its customers.
BNI is publicly traded on the Indonesia Stock Exchange under the ticker BBNI and on the U.S. over-the-counter market under the symbol PTBRY. As a state-owned enterprise under the Indonesian Ministry of State-Owned Enterprises, the bank’s leadership team is overseen by a Board of Commissioners and led by President Director Royke Tumilaar, who has guided the institution’s strategy toward digital innovation and sustainable growth.
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