PT Bank Negara Indonesia (Persero) Tbk Overview
Pro stress-test →Bank Negara Indonesia was founded in 1946 and is headquartered in Jakarta Pusat, Indonesia. The bank offers comprehensive services including savings, loans, credit cards, business banking, lending, trade finance, wealth management, and digital solutions for SMEs. As Indonesia's leading state-owned commercial bank, BNI serves as a critical pillar of the country's financial system.
Strategic Profile
Pro stress-test →BNI is optimistic about positive performance in 2026 with strong liquidity and capital to drive credit growth. The bank achieved 28.9% CASA growth in 2025, supported by 43.8% giro growth and 11.2% savings growth. Strategic initiatives include acquiring Bank Mayora (renamed Hibank in 2023) to focus on MSME digital banking.
Competitive Landscape
Pro stress-test →BNI is one of Indonesia's state-owned banks engaged in general banking services across the country. As a tier-1 lender, BNI competes with private banks (BCA, Mandiri) and regional players. Its strategic advantages include state backing, extensive branch network, and cost-effective deposit gathering through CASA. Digital initiatives through Hibank target SME segments traditionally underserved by larger competitors.
Industry Context
PT Bank Negara Indonesia (Persero) Tbk operates in Commercial Banking & Financial Services.
Key facts
Founded: 1946 · Headquarters: Jakarta Pusat, Indonesia · Employees: Not Available · Revenue: Not Available · Market cap: 166.17T IDR (~$11.2B USD equivalent)