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10 BNI


Company: Bank Negara Indonesia Tbk PT

Brand Value: US$2,228 million

Headquarters: Jakarta

Year On Year Change: 22%

Industry: Banks

Year Formed: 1946

BNI (Bank Negara Indonesia) offers financial services ranging from retail and SME banking, to credit and banking facilities for major government projects. In 2017, BNI posted a 31.6 percent increase in revenue, which it attributed largely to growth in its loan portfolio, which expanded at close to double the pace of the market more broadly. BNI has almost 1,900 branches across Indonesia, and about 17,000 ATMs. Calling itself the “Pride of the Nation”, the bank’s retail arm is marketed through a blend of information, aspiration, and uses subtle humor to talk to young millennials. BNI’s marketing focus in the last year has been on digital banking. It was one of the partner banks that teamed up with taxi company Blue Bird to facilitate cashless payments via a phone app using BNI’s credit and debit cards. BNI has won several industry awards for its services and innovations, including "Remittance Product of the Year" at the Asian Bankers Excellence in Retail Financial Service Awards. BNI’s Smart Remittance product allows transfers to be made at any time of day, without having to wait for normal banking hours in either the sending or receiving country. The bank has also developed its services for Indonesians working abroad; its KAMI (Keluarga Migran Indonesia) program helps migrant workers arrange their finances before they travel, while they are away and prepare for their return. BNI is a leading provider of Shariah-compliant banking services, and offers Shariah-compliant current accounts, home finance, insurance and investment services. BNI is a strong advocate of corporate social responsibility, concentrating on environmental protection projects and infrastructure building, especially bridges and roads in the country’s smaller cities. The bank operates throughout Indonesia and has eight international branches.