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 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.
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 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 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 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. Strategic growth continued with a partnership formed in 2016 between AI and EGAT International Company Limited (EGATi). This alliance resulted in AI issuing shares, with proceeds strengthening its financial position. The same year saw PT Sarana Rekreasi Mandiri rebranded to PT Adaro Tirta Mandiri, transitioning its focus to water treatment systems. Another significant milestone came in 2017, when Arindo Mauritius was listed on the Stock Exchange of Mauritius, raising $12.1 million for future growth financing.