PT United Tractors Tbk, a subsidiary of PT Astra International Tbk, is Indonesia's largest provider of construction machinery and heavy equipment. The company specializes in mining contractors, industrial construction, and energy sectors. United Tractors is known for distributing world-renowned brands such as Komatsu, Scania, Bomag, UD Trucks, and Tadano.
The company operates through five main business pillars: construction machinery, mining contractors, mining, industrial construction, and energy. United Tractors is committed to sustainability and has implemented various green initiatives, including solar photovoltaic systems and green building designs. The company also invests in renewable energy projects, such as mini hydro power plants.

PaninBank is a commercial bank that has grown and developed in Indonesia. Since 1971, PaninBank was established to continuously support Indonesia's banking sector and economy. Through the motto 'Always for You', PaninBank emphasizes the Bank's consistency in providing the best service to its customers.
In 2012, PaninBank further solidified its position as one of the top banks by being ranked as the 7th largest bank in Indonesia in terms of assets, profits, total credit, capital amount, and capital ownership ratio. With more than 450 branch offices and over 36,200 ATM Bersama and Alto networks, PaninBank is ready to serve customer needs throughout Indonesia.
The long journey over 50 years has brought PaninBank to become a BUKU 4 category bank in 2019, with a strong retail and commercial customer base, as well as digital banking capabilities that keep up with the times. PaninBank continues to make breakthroughs and innovations to strengthen its position in Indonesia's banking industry and economy.

PT Bank Negara Indonesia (Persero), Tbk (BNI) was originally established in Indonesia as a central Bank under the name of “Bank Negara Indonesia” on July 5, 1946. Subsequently, BNI became “Bank Negara Indonesia 1946”, with the status of a State-owned Commercial Bank. Additionally, BNI’s role as a Bank was mandated to improve the people’s economy and participate in national development.
BNI as a State Owned Enterprise was the first to became a public company after listing its shares on the Jakarta Stock Exchange and the Surabaya Stock Exchange in 1996. To strengthen its financial structure and competitiveness in the national banking industry, BNI conducted a number of corporate actions, including being recapitalized by the Government in 1999, Government share divestment in 2007, and a limited public offering in 2010.

PT Aerotrans Services Indonesia, hereinafter more commonly known under the brand Aerotrans, commenced its journey in 1988 under the name PT Mandira Erajasa Wahana (MEW), as a business unit of PT Aero Wisata and a part of the Garuda Indonesia Group. Its core business lies in transportation services, tourism, and corporate mobility solutions, while also serving as a key ground transportation provider supporting the national airline PT Garuda Indonesia (Persero) Tbk.
Based on the Extraordinary General Meeting of Shareholders held on 9 May 2011, the company name was officially changed to PT Aerotrans Services Indonesia, as stated in Deed No. 03 dated 10 May 2011. The company’s Articles of Association have undergone several amendments, most recently Deed No. 8 of 2008, referring to Deed No. 7 dated 31 October 2022 by Notary Mira Aranti Ciptadi, SH., M.Kn., regarding changes to the Board of Directors and Commissioners. This amendment was approved by the Ministry of Justice of the Republic of Indonesia under the decision AHU-AH.01.03-0452502 of 2021, dated 24 September 2021.

PT Bank Negara Indonesia (Persero), Tbk (BNI) was originally established in Indonesia as a central Bank under the name of “Bank Negara Indonesia” on July 5, 1946. Subsequently, BNI became “Bank Negara Indonesia 1946”, with the status of a State-owned Commercial Bank. Additionally, BNI’s role as a Bank was mandated to improve the people’s economy and participate in national development.
BNI as a State Owned Enterprise was the first to became a public company after listing its shares on the Jakarta Stock Exchange and the Surabaya Stock Exchange in 1996. To strengthen its financial structure and competitiveness in the national banking industry, BNI conducted a number of corporate actions, including being recapitalized by the Government in 1999, Government share divestment in 2007, and a limited public offering in 2010.

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.

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 Bank Negara Indonesia (Persero), Tbk (BNI) was originally established in Indonesia as a central Bank under the name of “Bank Negara Indonesia” on July 5, 1946. Subsequently, BNI became “Bank Negara Indonesia 1946”, with the status of a State-owned Commercial Bank. Additionally, BNI’s role as a Bank was mandated to improve the people’s economy and participate in national development.
BNI as a State Owned Enterprise was the first to became a public company after listing its shares on the Jakarta Stock Exchange and the Surabaya Stock Exchange in 1996. To strengthen its financial structure and competitiveness in the national banking industry, BNI conducted a number of corporate actions, including being recapitalized by the Government in 1999, Government share divestment in 2007, and a limited public offering in 2010.

PT Reska Multi Usaha, also known as KAI Services, is a subsidiary of PT Kereta Api Indonesia (Persero) established in 2003. The company's primary goal is to support and implement the policies and programs of PT Kereta Api Indonesia, especially in the railway restaurant business and other related services.
The company operates in three core business areas: On Board Services, Integrated Facility Management, and Commercial Services. On Board Services include sales on trains, train cleaning, and passenger amenities. Integrated Facility Management encompasses security, parking, cleaning services, and outsourcing. Commercial Services include restaurants, general services, cafes, and catering.
The origins of PT Reska Multi Usaha date back to the Dutch colonial era when the government provided railway restaurants to cater to passengers' needs during their journeys. In 1971, during the early days of PT Kereta Api Indonesia, a dedicated unit called RESTORKA was established to manage railway restaurants. Initially, RESTORKA offered simple beverages like "Es Siripit," but it expanded its menu over time, including the famous "Nasi Goreng Parahyangan" when the KA Parahyangan train was launched.

Bank Mega, officially known as PT Bank Mega Tbk, is a prominent financial institution in Indonesia. Established in 1969 under the name PT Bank Karman, it underwent a significant transformation in 1992 when it was acquired by the Para Group, now known as CT Corp. This acquisition marked the beginning of a new era for the bank, leading to its rebranding as Bank Mega. The bank's headquarters is located in Jakarta, Indonesia, and it operates a vast network of branches and ATMs across the country, providing a wide range of financial services to its customers.
Bank Mega offers a comprehensive suite of banking products and services, catering to both individual and corporate clients. These services include savings and checking accounts, fixed deposits, loans, credit cards, and investment products. The bank is also known for its innovative digital banking solutions, which provide customers with convenient and secure access to their accounts and transactions through online and mobile platforms. This focus on digital innovation has helped Bank Mega stay competitive in the rapidly evolving financial landscape.

PT Bank Negara Indonesia (Persero), Tbk (BNI) was originally established in Indonesia as a central Bank under the name of “Bank Negara Indonesia” on July 5, 1946. Subsequently, BNI became “Bank Negara Indonesia 1946”, with the status of a State-owned Commercial Bank. Additionally, BNI’s role as a Bank was mandated to improve the people’s economy and participate in national development.
BNI as a State Owned Enterprise was the first to became a public company after listing its shares on the Jakarta Stock Exchange and the Surabaya Stock Exchange in 1996. To strengthen its financial structure and competitiveness in the national banking industry, BNI conducted a number of corporate actions, including being recapitalized by the Government in 1999, Government share divestment in 2007, and a limited public offering in 2010.

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.

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 Astra International Tbk. - Daihatsu Sales Operation (AI-DSO) is a prominent entity within the automotive industry in Indonesia. Established in 1973, AI-DSO operates as a significant division under PT Astra International Tbk., one of the largest and most diversified conglomerates in Indonesia. The primary focus of AI-DSO is the distribution, sales, and after-sales service of Daihatsu-branded vehicles. This division plays a crucial role in ensuring that Daihatsu vehicles are accessible to consumers across Indonesia, providing comprehensive support and services to meet the diverse needs of its customers.
AI-DSO's operations are supported by PT Astra Daihatsu Motor (ADM), an associated entity formed through a collaboration between Astra, Daihatsu Motor Co., Ltd., and Toyota Tsusho Corporation. ADM serves as the brand holder agent for Daihatsu in Indonesia and acts as the main production base for Daihatsu and Toyota automotive groups outside Japan. This strategic partnership enables AI-DSO to leverage ADM's manufacturing capabilities and expertise, ensuring a steady supply of high-quality vehicles to the Indonesian market.

Bank BTN, or PT Bank Tabungan Negara (Persero) Tbk, is a prominent financial institution in Indonesia. Established on October 16, 1897, as Postspaarbank, it has evolved significantly over the years. Initially serving as a savings bank during the Dutch colonial era, it was later renamed Bank Tabungan Pos during the Japanese occupation and eventually became Bank Tabungan Negara in 1963.
Today, BTN operates as a state-owned enterprise under the Ministry of Finance, focusing on providing financial services, particularly in the housing sector. It offers a wide range of products and services, including mortgage loans (KPR), savings accounts, debit cards, mutual funds, and foreign exchange services. BTN is committed to supporting the government's housing programs and aims to become a leading provider of integrated financial and digital services.
BTN's vision is to be a main partner in empowering Indonesian families' financial well-being, while its mission includes providing the best customer experience through integrated digital and financial services. The bank also emphasizes sustainable business practices and corporate governance to ensure long-term growth and societal welfare.

PT Bank Rakyat Indonesia (Persero) Tbk, commonly known as BRI, is one of Indonesia's largest commercial banks and a state-owned enterprise. Established on December 16, 1895, in Purwokerto by Raden Bei Aria Wirjaatmadja, BRI has a long history of providing financial services to the Indonesian population. Over the years, BRI has evolved to meet the changing needs of its customers and has become a key player in Indonesia's banking sector.
BRI offers a wide range of banking products and services, including savings and current accounts, foreign currency deposits, mortgage loans, working capital loans, investment loans, and micro, small, and medium enterprise (MSME) loans. The bank also provides supply chain financing and bank guarantees, catering to both individual and corporate clients. With over 144 million micro deposit customers, BRI has a strong presence across Indonesia, with 449 branches and 13,863 ATMs.

PT Pamapersada Nusantara (PAMA) is a leading mining contractor in Indonesia, specializing in coal mining, energy, and heavy equipment services. As a subsidiary of PT United Tractors Tbk, which is part of the Astra International Group, PAMA has established itself as a pioneer in the mining industry since its inception in 1974. Initially a division within PT United Tractors, PAMA became a standalone company in 1993.
PAMA is committed to sustainable mining practices and adheres to Environmental, Social, and Governance (ESG) principles. The company focuses on providing comprehensive solutions for energy and mineral supply while prioritizing environmental sustainability and continuity. PAMA manages various mining projects, including coal, gold, and quarry operations, as well as construction projects such as dam building and road construction across Indonesia.

PT SUCOFINDO, or PT Superintending Company of Indonesia, is a prominent Indonesian company established on October 22, 1956. It specializes in providing a wide range of services including inspection, testing, certification, consultancy, and training across various sectors such as agriculture, forestry, mining (both oil and non-oil), construction, industrial processing, maritime, fisheries, government, transportation, information systems, and renewable energy.
PT Superintending Company of Indonesia (SUCOFINDO) was established on October 22, 1956. PT SUCOFINDO’s history began as Indonesia’s first inspection company, with share ownership by the Government of the Republic of Indonesia and SGS Geneva.
In December 2021, PT SUCOFINDO joined the Holding BUMN Survey Services (IDSurvey) with PT Biro Classification Indonesia (Persero) and PT SUCOFINDO to provide even better services.

BPJS Kesehatan, officially known as Badan Penyelenggara Jaminan Sosial Kesehatan, is Indonesia’s national health insurance agency. It was established on January 1, 2014, evolving from PT Askes (Persero) into a public agency responsible for managing the country's health insurance system under the Jaminan Kesehatan Nasional (JKN) program. The primary mission of BPJS Kesehatan is to ensure universal healthcare coverage for all Indonesian citizens by providing accessible and affordable medical services.
The agency operates under Law No. 24 of 2011, which mandates that every Indonesian citizen and foreign worker residing in Indonesia for at least six months must be enrolled in the JKN program. This law reflects the Indonesian government's commitment to improving the quality of healthcare and protecting citizens from financial hardship due to medical expenses. The program is structured so that participants pay monthly premiums based on their income, while the government subsidizes premiums for lower-income groups to ensure equal access to healthcare.

PaninBank is a commercial bank that has grown and developed in Indonesia. Since 1971, PaninBank was established to continuously support Indonesia's banking sector and economy. Through the motto 'Always for You', PaninBank emphasizes the Bank's consistency in providing the best service to its customers.
In 2012, PaninBank further solidified its position as one of the top banks by being ranked as the 7th largest bank in Indonesia in terms of assets, profits, total credit, capital amount, and capital ownership ratio. With more than 450 branch offices and over 36,200 ATM Bersama and Alto networks, PaninBank is ready to serve customer needs throughout Indonesia.
The long journey over 50 years has brought PaninBank to become a BUKU 4 category bank in 2019, with a strong retail and commercial customer base, as well as digital banking capabilities that keep up with the times. PaninBank continues to make breakthroughs and innovations to strengthen its position in Indonesia's banking industry and economy.