770
+1.99%
Close of 9 Nov 2026, in IDR
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About Bank Sinarmas Tbk PT
Its shares trade on IDX under the ticker BSIM.JK. It has been listed since 13 December 2010. In the fiscal year to 31 December 2025, it reported revenue before interest expense of IDR 3.98trn and net income of IDR 285.75bn. At that date it held total assets of IDR 58.24trn and shareholders' equity of IDR 8.68trn.
PT Bank Sinarmas Tbk engages in the provision of general banking and financial services. The company is headquartered in Jakarta, Dki Jakarta. The company went IPO on 2010-12-13. The Company’s segments include marketing and credit, treasury, and trade finance. The Company’s personal products include savings, credit cards, mutual funds, a bancassurance, and loans. Its savings products include Alfamart Savings, Simple Savings, Sinarmas current account, my savings, Simas forex, Simas Diamond, Simas Gold, and Simas TARA. Its mutual funds products include Danamas Rupiah Plus, Danamas Stabi, Danamas Dollar, Simas Satu, Simas Satu Prima, Simas Syariah Berkembang, and Danamas Saham. Its bancassurance includes Simas Prime Link, Simas Magna Link, Simas KID, Simas Legacy Plan, Simas Prima, Dana Sejahtera, Smile Medical, Smart Investa Link, Star Premium Dollar, and Simas Insurtech Travel. The firm also provides business loans. The company provides Internet banking. The company offers safe deposit boxes, virtual accounts, payroll, fund transfers, and automated teller machines (ATM).
Figures and description from our data supplier, not checked against the company's own report.
Company facts
- Sector
- Financials
- Industry
- Banks
- Listed since
- 13 Dec 2010
- Employees
- 5,288
- Website
- banksinarmas.com ↗
Leadership
Pay as last reported
- Ms. Tjendrawati WidjajaPresident Commissioner, since 2003
- Mr. Frenky Tirtowijoyo SusiloPresident Director
- Mr. Sendy ..Director - Information Technology and Digital Experience
- Mr. Miko AndidjajaDirector - Retail Banking
- Ms. Amandalia JohanesDirector - Compliance & Risk Management
- Ms. Enny KamalDirector - Consumer Business
- Mr. Ekajaya PutraDirector - Lending and Wholesale Banking
- Ms. Retno Tri WulandariCorporate Secretary
- Mr. Sammy KristamuljanaIndependent Commissioner
- Mr. .. RusminIndependent Commissioner
- Mr. Ahmadi Bin SukarnoChairman of the Shariah Supervisory Board, since 2020
- Mr. Mochammad Bukhori MuslimMember of the Shariah Supervisory Board, since 2017
Environmental, social and governance
Scores out of 100, from our data supplier
- Overall
- 56
- Environment
- 39
- Social
- 52
- Governance
- 76
- Women in the workforce
- 39.75%
- Carbon reduction policy
- Yes
- Human rights policy
- Yes
SWOT analysis
AI-generated by our data supplier. Not written or checked by our editors.
Strengths
- Bank Sinarmas Tbk PT possesses several notable strengths in the market. Firstly, it has a strong brand reputation and a long history of providing reliable financial services. This has helped build trust among its customers and attract a loyal customer base. Secondly, the bank has a well-established network of branches, making its services accessible to a wide range of customers across the country. Additionally, Bank Sinarmas Tbk PT has a robust financial position with healthy profitability and strong capital adequacy ratios, which reflects its stability and ability to withstand economic downturns. Lastly, the bank has a diverse range of products and services, catering to the various needs of individual and corporate customers.
Weaknesses
- Despite its strengths, Bank Sinarmas Tbk PT also faces some weaknesses that need to be addressed. One of the weaknesses is its relatively limited presence compared to larger competitors in the banking industry. This can potentially hinder its ability to compete for market share and attract customers away from established players. Another weakness is the bank's dependency on traditional banking channels, which may limit its ability to tap into the growing digital banking market. Furthermore, Bank Sinarmas Tbk PT has been experiencing a higher level of non-performing loans compared to industry averages, indicating potential difficulties in credit risk management.
Opportunities
- Bank Sinarmas Tbk PT can explore several opportunities to enhance its position in the market. Firstly, there is a growing demand for digital banking services in Indonesia, presenting an opportunity for the bank to invest in and expand its digital capabilities. This can help attract tech-savvy customers and improve operational efficiency. Secondly, the bank can focus on expanding its footprint in underserved regions, aiming to capture untapped market potential and gain a competitive advantage. Additionally, with the increasing popularity of sustainable banking practices, Bank Sinarmas Tbk PT can develop innovative ESG-focused products and services to cater to the evolving customer preferences.
Threats
- Bank Sinarmas Tbk PT should be aware of potential threats that might affect its business. One significant threat is the intense competition in the banking industry, both from traditional players and new entrants, which can result in eroding market share and lowering profit margins. Additionally, economic fluctuations and potential financial crises can impact the bank's loan portfolio quality, leading to higher credit risks and potential losses. Moreover, regulatory changes and compliance requirements pose a threat to the bank, as failure to meet these obligations may result in penalties and reputational damage.
Sources and methodology
- Data on this tab
- Our data supplier
- Chart on the Overview
- TradingView
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