Basic Bank Information
PT Bank Negara Indonesia (Persero) Tbk, abbreviated as BNI, is a state-owned commercial bank with a long history in Indonesia, combining a strong national background with modern financial vitality. Founded on July 5, 1946, initially as the Central Bank of Indonesia, it was transformed into a commercial bank in 1955, restructured into a state-owned limited liability company in 1992, and listed on the Indonesia Stock Exchange (IDX, code: BBNI) in 1996, becoming the first state-owned bank to be publicly offered. Headquartered in South Jakarta, the Grha BNI building is strategically located to symbolize its central position in Indonesia's financial community. The shareholder structure is dominated by the Indonesian government, which holds about 60% of the shares, and the rest is public investors, demonstrating its state-owned but market-oriented operation.
Scope of Services
BNI's service network covers the whole territory of Indonesia and radiates to the whole world. As of 2022, BNI has 2,047 domestic outlets in urban and remote areas, committed to financial inclusion. Overseas offices include New York, London, Tokyo, Hong Kong, Singapore, Seoul and Amsterdam, demonstrating its international outlook. There is an extensive network of about 17,000 ATMs, which is convenient for customers to withdraw cash and trade at any time. BNI also provides Islamic banking (BNI Syariah), financing (BNI Multi Finance), securities (BNI Securities) and insurance (BNI Life Insurance) services through its subsidiaries to build a diversified financial ecosystem.
Regulation & Compliance
BNI is regulated by both the Indonesian Financial Services Authority (OJK) and Bank Indonesia to ensure sound operations. Joined the Indonesian Deposit Insurance Agency (LPS) to provide depositors with deposit protection of up to IDR 2.5 billion to enhance customer confidence. Recently, it has a good compliance record and has not seen any major violations, but it should be noted that it has been criticized by NGOs for environmental disputes involving some of its financing projects, suggesting that it needs continuous improvement in the field of ESG (environmental, social, and governance).
Financial health
BNI is the fourth largest bank in Indonesia in terms of assets, loans and third-party funds due to its strong financial performance.
Capital Adequacy Ratio (CAR): About 18.5% in 2020, far exceeding the 8.5% required by Basel III, showing strong resilience.
Non-performing loan ratio (NPL): Approximately 2.5% (2023), which is lower than the industry average and reflects better asset quality.
Liquidity Coverage Ratio (LCR): about 120%, higher than the regulatory requirement of 100%, with abundant liquidity and strong ability to cope with short-term shocks.
Overall, BNI is financially healthy and suitable for customers looking for a stable bank.
Deposit & Loan Products
depositsBNI offers current accounts (around 0.5% p.a.), fixed deposits (1 month to 5 years, 1.5%-3.5%, depending on amount and maturity) and high-yield savings accounts (e.g. BNI Tapenas, lock-in savings up to 4%). The large-denomination certificate of deposit product is flexible, with a minimum deposit amount of IDR 50 million, which is suitable for prudent investors.
Loans: The mortgage interest rate is about 6.5%-8% (fixed or floating), the term is up to 20 years, and the down payment is 20%-30%. The interest rate of the car loan is about 5%-7%, the term is 1-5 years, and the approval is fast. Personal lines of credit are unsecured, with an interest rate of 8%-12% and an amount capped at IDR 500 million, which is suitable for emergency funding needs. BNI offers flexible repayment options, such as early repayment penalty waivers or adjustment of repayment schedules.
List of common fees
account management fee: about IDR 10,000-20,000 per month for regular current accounts, and no monthly fee for high-end accounts such as BNI Emerald.
Transfer fee: free of charge for domestic banks, IDR 6,500 for each inter-bank transfer; Cross-border transfers are about $25-$50, depending on the amount.
Overdraft fee: The credit card overdraft interest rate is about 2.25%/month, so you need to use it with caution.
ATM inter-bank withdrawal fee: IDR 7,500 per visit, BNI's own ATM is recommended.
Hidden Fee Reminder: Some accounts have a minimum balance requirement (e.g. IDR 1 million), which may result in a penalty of IDR 10,000-50,000. It is advisable to review the account terms regularly.
Digital service experience
BNI's mobile app (BNI Mobile Banking) and online banking platform have been well received, with a rating of about 4.5/5 on the App Store and 4.3/5 on Google Play. Core features include facial recognition login, real-time transfers (supporting interbank and international), bill management (one-click payment for utilities, phone calls, etc.), and investment tools (such as mutual funds and bond purchases). Technological highlights include AI customer service (chatbot answering frequently asked questions 24/7), robo-advisors (providing personalized investment advice to high-net-worth clients), and open banking APIs (supporting third-party fintech integration). Bank Mayora, which was acquired in 2022, transformed into a digital bank, Hibank, focusing on small and medium-sized enterprises (SMEs) and strengthening their digital competitiveness.
Quality of customer service
BNI offers 24/7 phone support (1500046), live chat response time of about 2-5 minutes, and social media (Twitter, Instagram) to respond quickly, with an average response within 1 hour. The complaint rate is low, the average resolution time is 3-5 business days, and the user satisfaction rate is about 85% (based on internal surveys). Multi-language support includes English, Indonesian and some Chinese services, suitable for cross-border customers.
Security measures
Security of funds: Deposits are protected by LPS up to IDR 2.5 billion. Anti-fraud technologies include real-time transaction monitoring and two-factor authentication (OTP + fingerprint).
Data security: BNI is ISO 27001 certified and meets international standards for information security management. In recent years, there have been no major data breaches, and customer data protection is reliable.
Featured Services & Differentiation
Segment: Student account (BNI Taplus Muda) No management fee, suitable for young people. Exclusive wealth management products for the elderly provide high-interest rate fixed deposits (about 4%). In terms of green finance, BNI has launched an ESG investment fund to support sustainable agriculture and renewable energy projects.
High Net Worth Services: BNI Emerald Private Bank provides customized wealth management, exclusive financial advisory, and global asset allocation services for clients with assets exceeding IDR 1 billion.
Market Position & Accolades
BNI ranks fourth in Indonesia in terms of assets, with a market capitalization of about IDR 1.03 trillion (about US$69 billion) in 2022, ranking among the top 150 banks in the world. In recent years, it has won the "Best Digital Bank" (Asian Banker Awards 2023) and "Most Innovative Bank" (Indonesia Financial Services Awards 2022), demonstrating its leading position in digital transformation and customer service.
