Bank BJB and Indomaret Explore Strategic Banking Collaboration

Strengthening Financial Services Through Retail Network

Bank BJB continues to expand its strategic collaborations with national partners as part of its efforts to strengthen banking intermediation and broaden service reach. The latest initiative is manifested through a Memorandum of Understanding with PT Indomarco Prismatama (Indomaret) regarding the utilization of banking products and services.

The agreement was signed by Acting President Director of bank bjb, Ayi Subarna, and Coordinator Director of Indomaret/President Director of PT Indoritel International, Haliman Kustedjo, on December 23, 2025, at Menara Indomaret, North Jakarta. The collaboration is designed to create new growth opportunities beneficial to both parties.

Key Areas of Collaboration

1. Expanded Banking Penetration: Indomaret's widespread network across Indonesia presents a strategic opportunity for bank bjb to extend its banking services reach.
2. Liquidity Management: The partnership opens potential for fund placement through current accounts and other fund management options that can be developed in the future.
3. Financing Opportunities: The collaboration explores investment financing, working capital financing, and other credit facilities relevant to Indomaret's operational needs.
4. Digital Banking Development: bank bjb sees potential in developing bill payment services (PPOB) through its Digital Banking platform, utilizing Laku Pandai agents, QRIS, merchants, EDC, and barcode payments.
5. UMKM Sector Focus: The synergy includes strengthening referral partnerships, improving UMKM access to financing, and developing credit products with competitive interest rates.

Strategic Implications

This collaboration positions bank bjb to strengthen its presence in the national retail banking sector while providing integrated financial solutions. The partnership aligns with bank bjb's strategy to become an adaptive, innovative regional development bank responsive to market needs. The scope of this cooperation will continue to be developed with an emphasis on mutual benefit and sustainability.