Founded in 1946, BNI is the first bank formed and owned by the Government of Indonesia. During the struggle for Indonesia's independence, BNI had once served as both the central bank and commercial bank.
To be a Leading National Bank, Financial Intitutional in Delivering Services and Performance
Each Cultural Values Work BNI has the Primary Behaviour is a reference to act for the whole BNI People's
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With its rich background, solid
financial base, competent human resources and reliable technology, BNI forges
ahead to become a national bank with global capabilities.
Founded on July 5, 1946, PT Bank
Negara Indonesia (Persero) Tbk., (BNI) is the first state-owned bank established
after Indonesia’s independence. During the struggle for Indonesia’s
independence, BNI had once served as both the central bank and a commercial
bank, as stipulated in Government Regulation in Lieu of Law No. 2/1946, before
transitioning to a strictly commercial bank in 1955. Oeang Republic of Indonesia
or ORI, which was the first legal
tender issued by the Government
of Indonesia on October 30, 1946, was printed and circulated by BNI.
Following the appointment of De
Javasche Bank – a legacy of the Dutch Government – as central bank in 1949, the
Government limited BNI’s role as a central bank. BNI was subsequently converted
to a development bank, and in 1950 was granted the right to operate as a
foreign-exchange bank with direct access to international transactions.
In 1955 BNI opened its first
overseas branch, which was in Singapore.
The role of BNI in developing
Indonesia’s economy became increasingly strategic in the 1960s, when the Bank
expanded its coverage to cater to customers of all segments from Sabang to
Merauke – by introducing services such as Floating Bank, Roving Bank, Children’s
Bank and Sarinah Bank.
The Floating Bank aimed to serve
the people living in the islands such as Riau or remote areas not easily
accessible by land such as Kalimantan.
The Roving Bank was a mobile
banking service from a car – a proactive effort to encourage people to develop a
In accordance with Law No. 17 of
1968, BNI’s mission as a commercial bank under the name of Bank Negara Indonesia
1946, was to improve the people’s economic conditions and to participate in the
development of the national economy.
Early on, BNI had already
implemented customer segmentation by introducing Sarinah Bank a bank dedicated
to female customers with the entire staff consisting of females; and the
Children’s Bank that aimed to educate children to develop a saving habit at
young age, also featuring children staff.
In 1963 BNI pioneered banking
service in universities by opening an Auxiliary Cash Office at the University of
North Sumatera (USU), Medan. Currently, BNI maintains branches at nearly all
leading public and private universities in Indonesia.
Along the way BNI had
repositioned its corporate identity to reflect the dynamics of the financial
market. The first identity when BNI was first established was a red circle with
lettering ‘BNI 1946’ printed in gold, signifying unity, bravery and patriotism
reflecting BNI’s pioneering spirit.
In 1988 that identity was changed
into a logo featuring a sailboat and waves, signifying BNI’s position as a
state-owned bank ready to enter the global financial market with its overseas
branches. The waves signified BNI’s forward movement as a market-oriented
Following the Asian financial
crisis in 1998 that shook the market confidence in the national banking
industry, BNI embarked on a restructuring program that included a rebranding
campaign aimed at rebuilding and enhancing its reputation. The new identity
featured ‘46’ before ‘BNI’.
The word ‘BNI’ in green reflected
strength, uniqueness and robustness; while the number ‘46’ in orange was
positioned diagonally to symbolize the new and modern BNI.
Increasing Shareholder Value
BNI once again achieved another
milestone through its initial public offering on the Jakarta Stock Exchange and
Surabaya Stock Exchange in 1996. In the national history of banking, BNI was the
first state-owned bank to go public.
In accordance with the divestment
of the Government’s shares, BNI issued new shares in 2007 and 2010 through
rights issue, subsequently increasing the public’s share to 40%.
With the public’s share now
larger, BNI was challenged to deliver superior performance in order to deliver
substantial return to the shareholders.
Globalization also challenged the
banking industry to consistently expand capabilities in providing banking
solutions to customers.
Historically BNI has focused on
corporate banking, supported by a strong retail banking infrastructure. At
present, BNI strives to expand the capabilities of both to become BNI’s core
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