Question 1

What is Bank Bumi Arta?

Accepted Answer

Bank Bumi Arta is a publicly traded commercial bank in Indonesia that specializes in serving small and medium enterprises (SMEs), retail clients, and corporate segments. Listed on the Indonesia Stock Exchange under the ticker BNBA, the bank operates with total assets exceeding Rp 5 trillion as of 2025.

The bank focuses on providing comprehensive banking services with particular emphasis on UMKM (Usaha Mikro, Kecil, dan Menengah) financing, positioning itself as a key financial partner for Indonesia's growing SME sector. As a Bank Devisa, it handles foreign exchange transactions and maintains correspondent banking relationships with approximately 130 banks worldwide.

Question 2

When was Bank Bumi Arta founded?

Accepted Answer

Bank Bumi Arta was originally founded on March 3, 1967, in Jakarta under the name Bank Bumi Arta Indonesia. The bank commenced commercial operations following approval from the Minister of Finance of the Republic of Indonesia on March 28, 1967.

The institution underwent a significant transformation on September 18, 1976, when it merged with Bank Duta Nusantara. This merger strengthened the bank's capital structure and expanded its operational network, adding eight branch offices from Bank Duta Nusantara located in Jakarta, Bandung, Semarang, Surakarta, Surabaya, Yogyakarta, and Magelang.

On September 14, 1992, the bank simplified its name from Bank Bumi Arta Indonesia to Bank Bumi Arta to improve brand recognition among customers.

Question 3

Where is Bank Bumi Arta headquartered?

Accepted Answer

Bank Bumi Arta is headquartered at Jalan Wahid Hasyim No. 234-236, Central Jakarta (Jakarta Pusat), DKI Jakarta 10250, Indonesia. The headquarters relocated to this address on June 10, 1992, from its previous location on Jalan Roa Malaka Selatan.

The bank's head office building serves as the main operational center, housing executive management and key administrative functions.

Question 4

Where does Bank Bumi Arta operate?

Accepted Answer

Bank Bumi Arta operates exclusively within Indonesia, with branches spread across nine provinces. The bank maintains a network of 10 main branch offices, 22 sub-branch offices, 18 cash offices, and 8 payment points throughout the country.

Branch locations include major cities such as Jakarta, Bandung, Semarang, Surakarta, Surabaya, Medan, and Bandar Lampung. The bank also operates 14 ATM machines to support customer transactions.

This distribution allows Bank Bumi Arta to serve both urban and regional markets across the Indonesian archipelago.

Question 5

What services does Bank Bumi Arta offer?

Accepted Answer

Bank Bumi Arta provides a comprehensive range of banking products and services across multiple segments. For deposits, the bank offers savings accounts, giro (current accounts), time deposits, and specialized deposit products including premium, call, and plus deposits.

On the lending side, the bank provides business financing solutions including working capital loans, investment loans, housing loans, car ownership loans, pension loans, term loans, multipurpose loans, and export-import financing. Interest rates vary by segment, with corporate credit at approximately 7.86%, retail at 7.92%, medium at 7.90%, small at 10.55%, and micro at 13.15%.

The bank also offers bank guarantee services, payment services for electricity, telephone, and tax bills, foreign currency exchange services (USD, EUR, JPY, AUD, HKD, SGD, CNY), trade finance solutions, corporate payroll services, and financial supply chain management.

Digital services include BBA Mobile, the bank's mobile banking application available on both Android and iOS platforms, offering features such as account management, fund transfers (including BI-FAST, SKN, RTGS, and online transfers), bill payments, mobile top-ups, QRIS payments, virtual account services, and e-wallet top-ups for OVO and GoPay. The bank also provides internet banking and online deposit services.

Question 6

What makes Bank Bumi Arta unique?

Accepted Answer

Bank Bumi Arta distinguishes itself through its strong focus on Indonesia's SME sector, positioning itself as "Teman Anda Dalam Usaha" (Your Partner in Business). The bank has received recognition for its SME lending performance, including the Top SME Lender Award 2020 from Infobank Magazine for banks with assets below Rp10 trillion.

As a Bank Devisa since August 20, 1991, Bank Bumi Arta handles foreign exchange transactions independently and maintains correspondent banking relationships with approximately 130 banks across multiple continents, providing robust international banking capabilities for its clients.

The bank has maintained stability through various economic cycles, with a demonstrated commitment to prudent risk management and good corporate governance. Despite being a smaller commercial bank compared to Indonesia's major players, it has carved out a sustainable niche in the SME and retail banking segments.

Bank Bumi Arta went public on June 1, 2006, through an Initial Public Offering on the Jakarta Stock Exchange, listing 210 million shares representing 9.10% of issued capital. This move enhanced transparency and strengthened its capital structure for continued growth.

Question 7

What type of financial institution is Bank Bumi Arta?

Accepted Answer

Bank Bumi Arta is classified as a Bank Umum (Commercial Bank) in Indonesia, operating under the supervision of Otoritas Jasa Keuangan (OJK), Indonesia's Financial Services Authority. More specifically, it functions as a Bank Devisa, which grants it the authority to conduct foreign exchange transactions and provide international banking services.

The bank operates as a mid-sized commercial institution focusing on retail banking, SME banking, and corporate banking segments. Its business model emphasizes relationship banking with small and medium enterprises while maintaining a growing retail and digital banking presence.

As a publicly traded entity (PT Tbk - Perseroan Terbuka), Bank Bumi Arta adheres to enhanced disclosure requirements and corporate governance standards applicable to listed companies in Indonesia.

Bank Bumi Arta

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About Bank Bumi Arta in Indonesia