BNI Business Banking

BNI Bussines Banking
BNI Bussines Banking

Business Overview

Indonesia’s positive economic growth has created a supportive environment for the business development of national banks. In an attempt to strengthen its market positioning, especially in the Business Banking sector, BNI has conducted a host of business transformations, which focus on customer-centric businesses.

BNI Business Banking implements these customer centric businesses through growth strategies on 8 (eight) leading sectors, including Oil, Gas & Mining, Engineering & Construction, Telecommunication, Electricity, Chemical, Retailers & Wholesalers, Agriculture and Food & Beverage.

Through these customer centric approaches and the focused strategies on the eight leading sectors, BNI is poised to deliver superior performance in providing high investment rates for its shareholders. It also strives on becoming the ‘Bank of Choice’ for the financial needs of its clients across all sectors, with the best quality service provided to its customers. Furthermore, BNI can achieve its ambition in becoming the market leader in the Business Banking Sector as well as becoming a leading Bank in both service and performance.


LMC-1 serves as origination & relationship for corporate customers that focus on serving Local Corporate Companies up to Multinational Companies in the Oil, Gas & Mining, Electricity, Telecommunication and Construction & Engineering industries.

This is reflected by the steady growth of business deals received from year-to-year. And at this present moment, the Oil, Gas & Mining sectors hold the largest percentage of business compared to other sectors.

Through LMC-1, corporate customers receive ‘end-to-end’ service through the availability of integrated solutions.


Corporate Banking 2 (COB 2) is a business unit in the Corporate segment that focuses in market penetration and managing clients in the Mining industry, Oil & Gas industry, Petrochemical industry, Energy industry, Sustainable Finance industry and Agribusiness industry.

To accomplish its main function, COB 2 Division gives value added to the market players, where the main objectives is to make BNI to become the top of mind for corporate clients and its stakeholder.

Considering the tight competition in the Banking Industry, COB 2 Division has an initiative to adapt from every changes for the purpose of becoming a key player of each industrial portofolio it manages. This strategy is expected to achieve BNI’s vision as a financial institution that superior in service and performance.”

BUMN dan Institution

State-Owned Enterprises (BUMN) in Indonesia remain a cornerstone of the economic growth in the country. As one of the state owned banks, BNI has always had an active role as an agent of development in supporting the government’s banking needs.

The availability of synergized strategies between state-owned enterprises, launched by the Ministry of State Enterprises, means that BNI needs to provide integrated services and strategies to clients through BIN that serves as origination & relationship . BIN is supported by trained and reliable professionals in the field of marketing who strive to serve the customer’s needs in a professional manner. To date, there are several state-owned enterprises that have been served by BIN. Other services provided include total solutions of the customers’ banking needs, namely Bilateral and Syndicated financing (direct loans and/or non-direct loans), fund management through integrated Cash Management, including Financial Solutions supported by superior services. Furthermore, BIN conducts a cross selling strategy in offering products and services related to Treasury, Trade Finance and Consumer Retail products.

To date, BNI has conducted a number of deals with governmental departments as well as state owned enterprises, namely as the Operational Bank (BO) for the distribution of the State Budget and the development of the BOS fund distribution. Through BIN, customers receive end-to-end service by providing integrated solutions.

Commercial & Small

Indonesia’s economy has grown in many sectors including the small, mid-sized, and micro businesses (umkm) sectors. as one of the banks targeting these segments, bni strives to fulfill its customer’s needs through various services specifically for the umkm sectors.

CNS strives to provide services that prioritize the handling of loan distribution towards customers who operate small or medium sized businesses. Mid-sized business customers with credit needs of between Rp up to Rp can be served by intermediate loans centers(skm) while small sized businesses with credit needs of up to Rp can be served by small loan centers(skc) and certain branches depending on the size of its business.

Through 20 intermediate loan centers (skm) and 51 small loan centers (skc) spread across a number of indonesia’s major cities, the cns division provides banking services in the form of working capital credit (kmk), investment credit (ki), bank guarantee (gb), local letter of credit (skbdn) and letter of credit (lc), as well as other methods of payment that have been adjusted according to the customer’s needs.

On top of the aforementioned points, bni, together with the government also provide small business loans(kur) and other credit programs either to individuals, business groups, as well as through a linkage program(cooperatives & bpr) and pola inti plasma.

Considering the intense competition in the banking industry, and to respond to constantly evolving customer needs, banks need to set new strategies that include market conditions and the monitoring of a balanced portfolio for each sector.

Through customer analysis and portofolio management (cau), the customer’s needs in the business banking sector are channeled into a value-based industry analysis, the business-banking sector's portfolio management, review and improvement of systems, procedures for business banking loans and customized loans for clients with minimal risk. the various analysis results are expected to improve the quality of bni's customer-centric service and address the needs of customers.

It is hoped that through the cau, the alignment and integration process between segments in bni's business banking sector can increase its "business and customer engagement".