Key insights and market outlook
BNI's agent banking service, BNI Agen46, recorded 111.1 million transactions by end-November 2025, with operational third-party funds (DPK) growing 48.9% year-on-year. The number of agents reached 218,000, a 4.3% YoY increase, demonstrating strong public trust in the service. This growth was driven by successful network expansion and quality agent development.
BNI's agent banking service, BNI Agen46, has demonstrated exceptional growth through November 2025. The platform processed 111.1 million transactions, marking a significant milestone in its operations 1
The success of BNI Agen46 can be attributed to the strategic expansion of its agent network. The number of agents has grown to 218,000, representing a 4.3% year-on-year increase 1
The significant growth in both transaction volume and agent numbers reflects the strong trust that customers have in BNI Agen46. The service has become an integral part of BNI's strategy for financial inclusion and digital banking expansion. By leveraging its agent network, BNI has been able to reach more customers, particularly in areas where traditional banking infrastructure may be limited.
The success of BNI Agen46 positions it well for continued growth in the banking sector. As Indonesia's financial inclusion efforts continue, agent banking services like BNI Agen46 are likely to play an increasingly important role. BNI's focus on maintaining the quality of its agent network while expanding its reach will be crucial in sustaining this momentum.
BNI Agen46 Transaction Growth
Agent Network Expansion