Muhamad Aditya Nugraha

PT Bank Negara Indonesia (Persero) Tbk is an Indonesia-based company primarily engaged in banking sector. It operates under the name Bank BNI or BNI. The Company's major products and services include credit cards, saving accounts, current accounts and fixed deposits, as well as various types of loans, such as housing loans and other consumer loans. Besides conventional banking, it also offers Shariah-compliant banking services through its subsidiary, PT Bank BNI Syariah. Its other subsidiaries include PT BNI Life Insurance, which provides life insurance; PT BNI Multifinance, which is engaged in financing business; PT BNI Securities, which provides securities underwriting and brokering services, and BNI Remittance Ltd, which offers money remittance services.