History of BNI Syariah


The hard-hitting monetary crisis of 1997 attests to the resilience of the shariah banking system. The Shariah principle with its 3 (three) pillars of justice, transparency and mutual benefit is able to provide an answer to the public’s need for a fairer banking system. In keeping with the implementation of Law No. 10 Year 1998, BNI’s Unit Usaha Syariah (UUS) was established on 29th April 2000 with 5 branch offices in Yogyakarta, Malang, Pekalongan, Jepara and Banjarmasin. The next phase saw the UUS expand to 28 branches and 31 sub-branches.

Customers can also find shariah services at conventional BNI branch offices with over 1,500 outlets spread across Indonesia. In the administration of banking operations, BNI consistently maintains compliance will every aspect of shariah principles. Through the Shariah Supervisory Board (Dewan Pengawas Syariah/DPS), which currently is chaired by K.H. Ma’ruf Amin, all products offered by BNI Syariah have undergone examinations and been found to comply with shariah regulations.

Based on the Decision of the Governor of Bank Indonesia Number 12/41/KEP.GBI/2010 dated 21st May 2010 concerning the issuance of a business license to PT Bank BNI Syariah, and in UUS BNI’s Corporate Plan in 2003, it was determined that UUS status was temporary and a spin-off was formally planned for 2009. The plan was realized on 19th June 2010 when BNI Syariah officially began operating as a Shariah Commercial Bank (Bank Umum Syariah/BUS).

The realization of the spin-off in June 2010 to some extent was made possible by external factors in the form of supporting regulations, namely with the issuance of Law No. 19 Year 2008 on Government Shariah Securities (Surat Berharga Syariah Negara/SBSN) and Law No. 21 Year 2008 on Shariah Banking. Additionally, the spin-off was further spurred on by the Indonesian Government’s growing commitment to encouraging the development of shariah banking and promoting awareness for the advantages offered by shariah banking products.

As of June 2014, BNI Syariah’s operational network encompasses 65 Branch Offices, 161 Support Branch Offices, 17 Cash Offices, 22 Mobile Service Units and 20 Payment Points.

*) BNI Syariah is registered and supervised by the Financial Services Authority (Otoritas Jasa Keuangan/OJK)