PT Bank MNC Internasional Tbk
BABP.JK
Indonesia Stock Exchange50.00
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PT Bank MNC Internasional Tbk
BABP.JK
(Indonesia Stock Exchange)
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- PT Bank MNC Internasional Tbk (BABP.JK), known as MNC Bank, operates as an Indonesia-based commercial bank and foreign exchange bank providing integrated banking products and services to corporate and individual customers through its Business, Consumer, Treasury, and Other segments. The bank offers deposit products including demand deposits, savings accounts such as MNC Savings, Motion Savings, Pensiun Motion Savings, and MNC Junior Savings, current accounts like Giro MNC Rupiah, time deposits, and certificates of deposit; loan products encompassing working capital loans, investment loans, property ownership loans, property-backed consumption loans, multipurpose unsecured loans, multifinance loans, housing loans, vehicle loans, and credit cards; and additional services such as money market operations, foreign exchange trading, treasury products including retail bonds, trade finance for exports, imports, and local transactions, bancassurance, debit and credit cards, online and mobile banking via the MotionBank app, and ATM services. Founded in 1989 and headquartered at Gedung MNC Bank Tower, 8th Floor, Jl. Kebon Sirih No. 21-27, Central Jakarta, Indonesia, the bank maintains a nationwide network of branches, sub-branches, cash offices, and ATMs primarily serving the Indonesian market. A subsidiary of PT MNC Kapital Indonesia Tbk, which serves as its controlling shareholder, PT Bank MNC Internasional Tbk focuses on corporate clients in wholesale business, consumer lending, small and medium enterprises, and treasury activities, with operations concentrated in Indonesia. In recent developments, PT MNC Kapital Indonesia Tbk increased its stake in the bank by acquiring an additional 9.99% (4.445 billion shares) on August 22, 2025, raising its direct ownership to 49.803% to strengthen capital participation. The bank reported robust financial performance in Q3 2025, with net profit growing 22.09% year-on-year to Rp60.39 billion, total assets expanding 6.17% to Rp20.50 trillion, and credit disbursements rising 2.21% to Rp11.09 trillion, driven by wholesale (Rp7.48 trillion), consumer (Rp1.60 trillion), multifinance (Rp1.57 trillion), and SME segments. Strategically, MNC Bank expanded partnerships including a collaboration with CAR Life Insurance, fintech PT Venteny Fortuna International Tbk for promoting Tabungan Motion and Earn Wage Access services, Bank Sumsel Babel for call money, foreign exchange, repo transactions, credit card white-labeling, and loan syndications, as well as integration into the Jalin "Link" network for financial inclusion; its parent PT MNC Kapital Indonesia Tbk also signed an MoU with PT Bank Pembangunan Daerah Jawa Barat dan Banten Tbk for digital payment and banking solutions. These initiatives support diversified revenue streams through treasury optimization, transactional banking, and digital expansion, while maintaining strong capital adequacy ratio of 24.50% and improved gross NPL ratio to 4.00%. The bank continues to prioritize prudent risk management and liquidity growth amid national banking challenges.