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 Sarana Multi Infrastruktur (Persero) (PT SMI) is a state-owned enterprise in Indonesia that plays a crucial role in financing and supporting infrastructure development across the country. Established on February 26, 2009, PT SMI operates under the Ministry of Finance and serves as a Special Mission Vehicle (SMV) to accelerate infrastructure projects that contribute to Indonesia’s economic growth and sustainable development.
PT SMI provides various financial solutions, including project financing, advisory services, and project preparation assistance. Its primary focus is on infrastructure sectors such as transportation, energy, water supply, telecommunications, and social infrastructure. By offering innovative and flexible financing schemes, PT SMI helps bridge the gap between government funding and private sector investment, ensuring that critical infrastructure projects can be realized efficiently.
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 Pelita Air Service (PAS), established in 1970 in Indonesia, began its journey in the exploration and exploitation of oil and natural gas fields. Over the years, PAS has evolved into a leading provider of aviation and industrial services, offering award-winning solutions that cater to diverse needs. As part of its commitment to excellence, the company has built a reputation for reliability and innovation in transportation, training, maintenance, and other specialized services.
In aviation, PAS has demonstrated exceptional capabilities, logging 37,884 flight hours between 2014–2017. Its extensive network includes five base stations, with a fleet comprising 15 rotary-wing aircraft (helicopters) and nine fixed-wing planes. Notably, PAS plays a crucial role in Papua’s "1 Fuel Price" program, transporting over 150 kiloliters of fuel monthly to support equitable fuel access in remote areas.
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 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 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 Bank BCA Syariah is a prominent Islamic bank in Indonesia, offering a wide range of Sharia-compliant financial products and services. Established to cater to the growing demand for Islamic banking, BCA Syariah operates under the supervision of the Financial Services Authority (OJK) and Bank Indonesia. The bank is committed to providing reliable and competitive banking solutions that adhere to Islamic principles.
BCA Syariah offers a variety of products and services designed to meet the diverse needs of its customers. These include Sharia-compliant savings accounts, current accounts, financing options such as Murabahah (cost-plus financing), Ijarah (lease financing), and Musyarakah (profit-sharing financing). The bank also provides investment products like Sukuk (Islamic bonds) and Tabarru' (donations) accounts. Additionally, BCA Syariah offers electronic banking services through its Klik BCA Syariah platform, allowing customers to conduct transactions conveniently and securely online.
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.
