PT Bank Muamalat Indonesia Tbk (BMI) (“BMI”, “Bank”) is the first bank in Indonesia to adopt the Sharia banking concept. The Company was established based on Deed of Establishment No. 1 dated November 1, 1991, or Rabiul Akhir 24, 1412 Hijriah. BMI was founded by the Indonesian Council of Ulema (MUI), the Association of Indonesian Muslim Intellectuals (ICMI), and Muslim entrepreneurs, later supported by the Government of the Republic of Indonesia. The Company began operations on May 1, 1992, or Shawwal 27, 1412 H, a date also designated as the Company’s founding day. Bank Muamalat is a public company whose shares are not listed on the Indonesia Stock Exchange (IDX) and has officially operated as a Foreign Exchange Bank since October 27, 1994.
BMI continues to innovate by launching Sharia financial products such as the Mudharabah Subordinated Sukuk, Sharia Insurance (Takaful Insurance), Muamalat Financial Institution Pension Fund (DPLK Muamalat), and Sharia multifinance (Al-Ijarah Indonesia Finance), all of which are pioneering initiatives in Indonesia. Additionally, the Shar-e product launched in 2004 was the first instant savings product in Indonesia.

PT Reska Multi Usaha, also known as KAI Services, is a subsidiary of PT Kereta Api Indonesia (Persero) established in 2003 with more than two decades of experience. The company was founded to implement and support the policies and programs of PT Kereta Api Indonesia (Persero) as the parent company, particularly in the railway restaurant business and other related services. PT Reska Multi Usaha operates in three core business areas: On Board Services, which include Sales On Train, On Train Cleaning, and Passenger Amenities; Integrated Facility Services, which consist of Security, Parking, Cleaning Service, and Outsourcing; and Commercial Services, which cover Restaurant, General Service, Cafe, and Catering.

PT Pertamina Training & Consulting (PTC) is a subsidiary of PT Pertamina (Persero), Indonesia’s state-owned oil and gas company. Established in 1999 under the name PT Patra Tridaya, the company officially began its operations in 2002. PTC was formed to support Pertamina’s strategic objectives in human resource development and operational excellence. Over the years, PTC has evolved into a multifaceted service provider offering a wide range of solutions in training, consulting, manpower supply, security services, event management, and competency assessment. Its role within the Pertamina Group is to ensure that the workforce and organizational systems are aligned with global standards and capable of supporting the dynamic needs of the energy sector.

PT Bank Tabungan Negara (Persero) Tbk, commonly known as Bank BTN, is one of Indonesia’s oldest and most prominent financial institutions. Established in 1897 under the name Postspaarbank during the Dutch colonial era, the bank initially served as a savings institution for postal services. Following Indonesia’s independence, the bank was nationalized in 1950 and renamed Bank Tabungan Negara. Over the decades, Bank BTN has evolved into a full-service commercial bank with a strong focus on housing finance, playing a pivotal role in supporting the government’s housing development programs.

Bank Central Asia (BCA) is one of Indonesia's largest private banks, established in 1957. Over the years, BCA has grown significantly and now operates a vast network of branches and ATMs across the country. The bank is known for its wide range of financial services, including savings accounts, credit cards, loans, and investment products.
The bank has a strong reputation for its customer service and innovative banking solutions. BCA offers various digital banking services through its online platform, myBCA, which allows customers to manage their accounts, apply for loans, and perform other banking transactions conveniently from their homes.
In addition to its extensive branch network, BCA also provides specialized services for businesses and corporations, offering tailored solutions to meet their financial needs. The bank is committed to supporting local businesses and has various promotional offers and partnerships to help them grow.
BCA's headquarters is located in Jakarta, and the bank is regulated and supervised by the Financial Services Authority (OJK) and Bank Indonesia. The bank's mission is to provide reliable and efficient banking services to its customers while contributing to the economic development of Indonesia.

PT Adaro Andalan Indonesia, formerly known as PT Alam Tri Abadi, was established in 2004. It operates as a holding company with businesses spanning the thermal coal, logistics, land, investments, and power generation sectors. Its operational areas include South Kalimantan, South Sumatra, and Central Kalimantan. The Company and its subsidiaries follow a vertically integrated business model, starting with coal mines as the initial point in their supply chain and culminating with power plants.
The Company has achieved notable milestones since its inception. In 2005, it acquired AI, a thermal coal company that had been producing Envirocoal since 1992 under a Government of Indonesia contract. AI’s production surged in 2006, reaching 34.4 million tonnes. Subsequent acquisitions marked the expansion of the Group, including AL in 2009, MIP in 2011, and SCM, LSA, and PCS in 2013. By 2014, SCM commenced commercial production with 890 thousand tonnes of coal.

Bank Syariah Nasional is a sharia-based financial institution that represents a new chapter in Indonesia’s banking industry. Established on October 2, 2025, the bank operates as a subsidiary of Bank Tabungan Negara and is headquartered at Menara Bank BTN, Jakarta. The institution was created to strengthen the presence of Islamic banking in Indonesia, offering financial services that comply with sharia principles while addressing the needs of both individual and business customers. Its foundation reflects the growing demand for ethical and faith-based financial solutions in the country, positioning itself as a trusted partner for communities seeking transparency, fairness, and inclusivity in financial transactions.

Bank Mandiri Taspen, also known as Bank Mantap, is a subsidiary of Bank Mandiri that provides banking services specifically for retired civil servants (PNS) and military personnel (TNI / Polri). Established on February 23, 1970, as Bank Pasar Sinar Harapan Bali, it has undergone several transformations over the years. Initially a cooperative, it became a limited liability company (PT) on November 3, 1992, and later transformed into a full-fledged bank.
In 2008, Bank Mandiri acquired Bank Sinar Harapan Bali, leading to a restructuring process that involved Bank Mandiri, PT Taspen, and PT Pos Indonesia. This restructuring resulted in the renaming of the bank to PT Bank Mandiri Taspen Pos on August 7, 2015, and later to PT Bank Mandiri Taspen on October 9, 2017.
Bank Mandiri Taspen offers a variety of financial products and services tailored to the needs of its target customers, including savings accounts, deposits, loans, gold pawn services, and bill payment platforms. The bank is committed to supporting the financial well-being of retired civil servants and military personnel, helping them maintain a stable income even after retirement.