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BNI Business Banking

Indonesia’s positive economic growth has formed a conducive environment for the growth of the national banking business. In an effort to strengthen market positioning, particularly in the Business Banking sector, BNI has carried out a series of business transformations that focus on customer-based businesses (customer centric).

This customer centric based business is implemented by BNI Business Banking through a growth strategy in 8 (eight) leading sectors which include Oil, Gas & Mining, Engineering & Construction, Telecommunication, Electricity, Chemical, Retailers & Wholesalers, Agriculture, Food & Beverages.

Through a customer-centric based approach and strategy focused on the eight leading sectors, BNI is expected to be able to produce superior performance to provide high investment value for shareholders and become a “Bank of Choice” for all financial needs of customers in all sectors with quality service best for customers. On the other hand, the goal of becoming a market leader in the Business Banking Sector and a vision to be a superior, leading and foremost bank in service and performance can be achieved.

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Working capital credit

BNI always accompanies the growth and development of your business, one of them by providing a variety of working capital loan products that can help your business be ready to become big.

Advantages of BNI Working Capital Loans:

  • Can be used for various needs including KMK for Industry, KMK for Trade, Industry, Transportation Services, Hospitality Services, Construction and others.
  • Competitive interest rates.
  • Ease of credit disbursement and other transactions supported by the BNI network spread throughout Indonesia.

Requirements:

  • Completeness of a valid business permit / legality in accordance with their line of business.
  • The business has been running for at least 2 (two) years.
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Investment Credit

BNI understands your needs related to investment for your business development. The solution that BNI provides is Investment Credit, which is a medium or long-term credit to meet your business investment needs.

The advantages of BNI Investment Loans are:

  • Can be used for the length of the purchase of capital goods and services needed for the establishment of new projects, expansion of existing projects, modernization, rehabilitation, relocation of projects or refinancing of objects that have been financed in advance.
  • The credit period can be adjusted to the ability of the customer’s business.
  • Competitive interest rates.
  • Ease of credit disbursement and other transactions supported by the BNI network spread throughout Indonesia.

Requirements:

  • Completeness of a valid business permit / legality in accordance with their line of business.
  • The business has been running for at least 2 (two) years.
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State-owned companies (SOEs) in Indonesia are still the foundation of Indonesia’s economic growth. BNI, as one of the state-owned banks, has also actively played its role as an agent of development in supporting the needs of government banks.

The existence of a synergy strategy between SOEs launched by the State Ministry of SOEs makes BNI need to provide integrated services and strategies to SOE customers through BIN that function as origination and relationship. BIN is supported by qualified personnel in the field of marketing who will serve customers professionally. Noted there are several prominent SOE names that have been served by BIN. The services provided are a total solution for customers’ banking needs including Bilateral and Syndicated financing needs (direct loans and non-direct loans), fund management through integrated Cash Management including Financial Solutions supported by superior service to customers. In addition, BIN conducts cross selling in offering products and services related to Treasury products,

Until now, there has been a lot of collaboration with departments and SOEs, among others, as an Operational Bank (BO) for the distribution of government APBN funds and managing the distribution of BOS funds. Through BIN, customers are served “end to end” by providing integrated solutions.

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In order to improve banking transactions in the Business Banking sector, TBS declared 2012-2013 as the year of Market Leadership where in addition to targeting the “Bank of Choice” , it was also determined to be able to provide efficient solutions, the best service, and become a strategic partner to the Customer.

With a Customer Centric orientation, TBS offers a Cash Management solution for financial transactions in their daily business activities and a very suitable solution in order to increase efficiency in managing financial transactions.

For mutual convenience and convenience for customers in utilizing the Cash Management solution, BNI provides a Corporate Internet Banking facility called “BNIDirect” with a variety of service features including Payment Management (Single and Mass / Bulk Payment), Collection Management, Liquidity Management and Information Management.

The strength of BNIDirect in serving corporate customers, lies in the service features that have been adapted to the standards of multinational companies’ cash management needs, which so far have had a long experience in banking cash management transaction services. In addition to BNIDirect , TBS also focuses on supporting “Supply Chain Financing” and Custody and Securities Services services.

The goal and attention of TBS is that key customers always get the best solutions and support services that are sticky and integrated (end-to-end solutions).

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The chemical industry is included in the composition of 8 large individual debtors with a total value of 1,738 trillion rupiahs and 2 large group debtors with a total value of 5,453 trillion rupiahs. Therefore, BNI applies a loan growth strategy in 8 leading sectors with the chemical industry as one of them.