# BNI Bank Negara Indonesia

> Source: https://docs.barcoder.ai/docs/wallets/bni-indonesia
> research date 2026-05-31 · extracted at 2026-10-07
> Publisher: Barcoder — encyclopedia of QR, barcode and payment-code standards

Specifications:
- [BNI — official](https://www.bni.co.id/)

## Overview

**BNI Bank Negara Indonesia** is **IDX: BBNI** + **Indonesia's #4 commercial bank by assets** + **Government of Indonesia ~60% controlling** + **Indonesia's oldest state-owned commercial bank since Jul 5 1946** + **Indonesia's first state bank post-Indonesian independence** <sup>[1][1], [Indonesia report](https://docs.barcoder.ai/docs/payments/ID)</sup>.

## History

**Jul 5 1946 — Bank Negara Indonesia founded by Vice President Mohammad Hatta as Indonesia's first state bank post-Indonesian independence** distinctive Indonesian banking heritage.

**1996 — BNI IDX IPO under ticker BBNI**.

**2010 — BNI Mobile Banking app launch**.

**2021 — BNI Mobile relaunch as BNI Mobile Banking with QRIS + BI-FAST integration**.

## Ownership & operator

**Operating entity**: **PT Bank Negara Indonesia (Persero) Tbk BNI** (Indonesia's #4 commercial bank by assets; IDX: BBNI).

**Major shareholders**: **Government of Indonesia (Ministry of State-Owned Enterprises BUMN) ~60% controlling + Indonesian retail + institutional + foreign investors free float**.

**Regulators**: **OJK Indonesia + BI Bank Indonesia**.

## Technical integration

BNI Mobile Banking app (iOS + Android; ~16M+ Indonesian customers) + bni.co.id online + BNI branch network across Indonesia + Singapore + Hong Kong + UK + Japan + South Korea + Malaysia + US international branches + BNI Visa + Mastercard + UnionPay + JCB cards; ID IBAN + QRIS + BI-FAST.

## Implementations & partners

**Major Indonesian banking + payments competitors**: [Bank Central Asia (BCA)](https://docs.barcoder.ai/docs/wallets/bank-central-asia) (BCA Bank Central Asia; IDX: BBCA; Indonesia's largest commercial bank by market capitalization) + [Bank Rakyat Indonesia (BRI)](https://docs.barcoder.ai/docs/wallets/bank-rakyat-indonesia) (BRI Bank Rakyat Indonesia; IDX: BBRI; Indonesia's largest commercial bank by assets + customers ~190M+) + [Bank Mandiri (Livin' by Mandiri)](https://docs.barcoder.ai/docs/wallets/bank-mandiri) (Bank Mandiri; IDX: BMRI; Indonesia's largest commercial bank by assets) + [Bank Danamon Indonesia](https://docs.barcoder.ai/docs/wallets/danamon-indonesia) (Bank Danamon; IDX: BDMN; MUFG Bank Japanese parent ~92.5% controlling) + [CIMB Niaga / OCTO Mobile](https://docs.barcoder.ai/docs/wallets/cimb-niaga) (CIMB Niaga; CIMB Group Malaysian parent Indonesian subsidiary) + [OCBC NISP (Bank OCBC NISP Indonesia) / OCBC mobile Indonesia](https://docs.barcoder.ai/docs/wallets/ocbc-nisp) (Bank OCBC NISP Indonesia; OCBC Singapore parent) + [Bank Syariah Indonesia (BSI Mobile + BYond by BSI)](https://docs.barcoder.ai/docs/wallets/bank-syariah-indonesia) (BSI Bank Syariah Indonesia; IDX: BRIS; Indonesia's largest Islamic bank) + [Bank Jago](https://docs.barcoder.ai/docs/wallets/bank-jago) (Bank Jago; IDX: ARTO; Indonesian digital bank by Gojek/GoTo Group) + [GoPay](https://docs.barcoder.ai/docs/wallets/gopay) (GoPay; GoTo Group Indonesian mobile wallet; ~30M+ users) + [OVO](https://docs.barcoder.ai/docs/wallets/ovo) (OVO Indonesian mobile wallet) + [DANA](https://docs.barcoder.ai/docs/wallets/dana) (DANA Indonesian mobile wallet) + [LinkAja](https://docs.barcoder.ai/docs/wallets/linkaja) (LinkAja Indonesian state-anchored mobile wallet by BUMN consortium; BNI BUMN co-founder of LinkAja).

**Regulators**: OJK Indonesia + BI Bank Indonesia.

## Status

**Active, IDX:BBNI + Indonesia's #4 commercial bank by assets + Government of Indonesia ~60% controlling + Indonesia's oldest state-owned commercial bank since Jul 5 1946** <sup>[1][1], [2][2]</sup>.

## Sources

[1]: https://www.bni.co.id/ "BNI — official"
[2]: https://en.wikipedia.org/wiki/Bank_Negara_Indonesia "BNI — Wikipedia"
[id-cro]: https://docs.barcoder.ai/docs/payments/ID

- [1] [BNI — official][1]
- [2] [BNI — Wikipedia][2]
- <sup>[Indonesia report](https://docs.barcoder.ai/docs/payments/ID)</sup> In-corpus: `reports/countries/ID-indonesia.md`

## Source

Biography extracted from [bni-indonesia.md](https://docs.barcoder.ai/source/wallets/bni-indonesia). See `matrix.md` for standards-support matrix if present.