Bank Himbara: Strategic Role in the Indonesian Economy

Updated

November 29, 2025

Gambar Bank Himbara: Strategic Role in the Indonesian Economy

Jakarta, Pintu News – Bank Himbara stands for the Association of State-Owned Banks, which consists of a number of large commercial banks owned by the Indonesian government. Formed to strengthen the role of state-owned banks in supporting national economic policies, Himbara aims to expand access to financial services, accelerate digitalization, and improve the efficiency of national banking.

The banks in Himbara generally have extensive networks and reach to remote areas of Indonesia, making them the main instrument in channeling various government programs, including social assistance, subsidies, and MSME financing.

Who are the members of Bank Himbara?

Currently, there are four main banks that are members of Himbara, namely:

PT Bank Rakyat Indonesia (Persero) Tbk (BBRI): Focuses on the micro, MSME, and village sectors.
PT Bank Mandiri (Persero) Tbk (BMRI): The largest commercial bank with a corporate and retail focus.
PT Bank Negara Indonesia (Persero) Tbk (BBNI): A pioneer of digital services and innovation in the corporate and consumer sectors.
PT Bank Tabungan Negara (Persero) Tbk (BBTN): Focus on financing the housing sector.

In addition to these four banks, now two Islamic banks are also part of the Himbara supporting ecosystem, namely:

Bank Syariah Indonesia (BSI)
National Islamic Bank (BSN)

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The Function of Himbara Bank in the National Economy

Bank Himbara plays an important role in supporting the government’s fiscal and monetary policies. Some of its strategic functions include:

Distribution of Government Funds: Includes subsidies, social assistance, and economic stimulus.
Financing MSMEs: Promoting financial inclusion and real sector growth.
Digitalization of Public Services: Through applications such as Livin’ (Mandiri), BRImo (BRI), and BNI Mobile.
Economic Stabilization: Provide access to affordable credit for the community.

A recent concrete example is the Indonesian government’s decision to move Rp200 trillion of state funds from Bank Indonesia to Himbara banks. This policy was taken to accelerate the circulation of money in the real sector and boost economic growth.

As directed by Finance Minister Purbaya Yudhi Sadewa, the funds were distributed to six Himbara banks (including two Islamic banks), although the banks were prohibited from using the funds to invest in SBN or BI securities.

Conclusion

Himbara Bank not only functions as a financial service provider, but also an extension of the government’s fiscal policy. With a wide network and high penetration in all walks of life, Himbara has become the main driving force in strengthening the national economy-especially during the post-pandemic transition and acceleration of digital transformation.

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FAQ (Frequently Asked Questions)

1. What does Himbara mean?

Himbara stands for the Association of State-Owned Banks, which is a collection of banks owned by the Indonesian government and joined in a strategic cooperation.

2. What is the purpose of forming Himbara?

The aim is to improve operational efficiency, strengthen the competitiveness of state-owned banks, expand national financial inclusion, and support strategic government programs in an integrated manner.

3. What banks are members of Himbara?

The four main Himbara member banks are:

Bank Rakyat Indonesia (BRI)
Bank Mandiri
Bank Negara Indonesia (BNI)
Bank Tabungan Negara (BTN)
Two Islamic banks are also supported in the policy of channeling state funds, namely:
Bank Syariah Indonesia (BSI)
National Islamic Bank (BSN)

4. What is the impact of the Rp200 trillion state fund placement policy to Himbara?

This policy aims to encourage the acceleration of economic growth through the banking system, by moving funds from Bank Indonesia to Himbara banks so that they can be utilized for productive sector financing. However, the use of these funds is prohibited to purchase investment instruments such as SBN and SRBI.

5. Will all funds in Bank Indonesia be transferred to Himbara?

Not all. According to the Ministry of Finance’s statement, of the total state cash reserves of Rp425 trillion, only Rp200 trillion will be gradually transferred to Himbara banks.