Established in 1946, BNI started as a central bank and commercial bank before transitioning to a strictly commercial bank in 1955. The bank offers personal and business banking solutions, primarily catering to agribusiness, telecommunications, food and beverages, oil and gas, and mining, construction, chemicals, and retail sectors. BNI has a wide-ranging service network, comprising 1,585 domestic outlets and 5 overseas branches, as well as Internet banking and SMS banking facilities. The bank is supported by its subsidiaries: Bank BNI Syariah, BNI Multi Finance, BNI Securities and BNI Life Insurance.