---
title: "Pt. Bank Cimb Niaga, Tbk SWIFT/BIC code BNIAIDJAXXX · Indonesia | Elucidate"
description: "SWIFT/BIC code BNIAIDJAXXX for Pt. Bank Cimb Niaga, Tbk, Indonesia. 4 branch BICs, LEI 549300NZ97UNGBXAPM35, addresses and Swift connectivity."
url: https://elucidate.co/directory/pt-bank-cimb-niaga-tbk-bniaidja
---

1.  [Directory](https://elucidate.co/directory)
2.  [Indonesia](https://elucidate.co/directory/country/id)
3.  Pt. Bank Cimb Niaga, Tbk

![CIMB Niaga logo](https://elucidate.co/images/banks/1b/1bbaa0bf0e42248c.svg)

Indonesia · Financial institution

# Pt. Bank Cimb Niaga, Tbk

Legal name in the LEI record BANK CIMB NIAGA

PT Bank CIMB Niaga Tbk is an Indonesian publicly listed bank headquartered in Jakarta. It was founded as Bank Niaga in 1955. CIMB Group Sdn Bhd is its controlling shareholder, and the ultimate parent is CIMB Group Holdings Berhad of Malaysia. The bank provides conventional and sharia banking to consumer, SME, commercial and corporate customers, as well as treasury services. In June 2025, shareholders approved the spin-off of its Sharia Business Unit into a separate bank, PT Bank CIMB Niaga Syariah.

BIC **BNIAIDJAXXX** LEI **[549300NZ97UNGBXAPM35](https://search.gleif.org/#/record/549300NZ97UNGBXAPM35)** Licence no. **Not on a tracked register** Connected to Swift [**4** branch codes](https://elucidate.co/directory/pt-bank-cimb-niaga-tbk-bniaidja#branches) [Group: Cimb Group Holdings Berhad](https://elucidate.co/directory/group/549300FYDN5UD7USZW18) [Claim this profile](https://elucidate.co/directory/pt-bank-cimb-niaga-tbk-bniaidja#claim)

## Licences and registrations

Matched by LEI on the 22 tracked registers

None matched by LEI in the 22 tracked registers.

-   The tracked registers cover payment, e-money, crypto and money-service firms in 37 countries. Bank licences from national supervisors are not tracked.

## Swift network

Swift’s ISO 9362 BIC directory

- **BIC:** BNIAIDJAXXX head office
- **Connection to Swift:** Connected to Swift
- **Swift GPI:** Not on the member list
- **Payment schemes and systems:** No entry in the EPC registers, the ECB T2 and TIPS lists or the SIX Bank Master cites this BIC
- **Branch codes:** [4 branch codes](https://elucidate.co/directory/pt-bank-cimb-niaga-tbk-bniaidja#branches)
- **BIC first registered:** 1993-03-01
- **Last updated:** 2025-11-15

## Overview

Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/pt-bank-cimb-niaga-tbk-bniaidja#overview-sources)

Total assets

IDR 382tn

Group · 30 Jun 2026 · [interim report ↗](https://ir.listedcompany.com/tracker.pl?type=5&id=302511&m=3c72a4fd4252d4cb1f9013374f4d309d835336388ea5ffc608183e1403dfa4b8&redirect=https%3A%2F%2Finvestor.cimbniaga.co.id%2Fmisc%2FAP%2F2026%2FBNGA-2Q26-Results-Final.pdf)

Employees

11,164

headcount · Group · 30 Jun 2026 · [interim report ↗](https://ir.listedcompany.com/tracker.pl?type=5&id=302511&m=3c72a4fd4252d4cb1f9013374f4d309d835336388ea5ffc608183e1403dfa4b8&redirect=https%3A%2F%2Finvestor.cimbniaga.co.id%2Fmisc%2FAP%2F2026%2FBNGA-2Q26-Results-Final.pdf)

Ownership

Group subsidiary

Ticker BNGA

Institution type

Universal bank

Trades as CIMB Niaga

- **Standing:** On 26 June 2025, shareholders approved the spin-off of the Sharia Business Unit into a new bank, PT Bank CIMB Niaga Syariah. The Financial Services Authority (OJK) granted in-principle approval on 14 January 2026. At 30 June 2026 the bank still reported its sharia financing and deposits, and the spin-off had not taken effect.
- **Ownership:** CIMB Group Sdn Bhd directly holds 91.44% (92.46% including PT Commerce Kapital) and is wholly owned by CIMB Group Holdings Berhad.
- **Direct parent:** CIMB Group Sdn Bhd, Malaysia 91.44%
- **Ultimate owner:** CIMB Group Holdings Berhad, Malaysia
- **Stock listing:** Indonesia Stock Exchange BNGA
- **Head office:** Graha CIMB Niaga, Jl. Jend Sudirman Kav. 58, 12190 Jakarta, Indonesia
- **Former name:** PT Bank Niaga Tbk

### Business lines

-   Corporate banking
-   Retail banking
-   SME banking
-   Mortgage lending
-   Islamic banking
-   Markets & trading
-   Transaction banking & payments
-   Trade finance
-   Private banking & wealth
-   Cards
-   Consumer finance

According to its 1H26 analyst presentation, corporate loans made up 42.8% of the bank's IDR 247.2 trillion loan book at 30 June 2026.

### Online

- **Websites & references:** [cimbniaga.co.id ↗](https://www.cimbniaga.co.id/) [investor.cimbniaga.co.id ↗](https://investor.cimbniaga.co.id/) investor relations and corporate governance [cimbniaga.com ↗](https://www.cimbniaga.com/) alternative domain, linked from the investor-relations footer
- **Official social accounts:** [LinkedIn ↗](https://www.linkedin.com/company/pt--bank-cimb-niaga-tbk/) · [X ↗](https://twitter.com/cimbniaga) · [Facebook ↗](https://www.facebook.com/CIMBIndonesia) · [Instagram ↗](https://www.instagram.com/cimb_niaga/) · [YouTube ↗](https://www.youtube.com/channel/UCf3y6kyP9_TYE4tnN3e5Bgg) · [TikTok ↗](https://www.tiktok.com/@cimb.niaga)

Sources · 11 pages consulted

1.  [investor.cimbniaga.co.id/](https://investor.cimbniaga.co.id/)
2.  [investor.cimbniaga.co.id/gcg/mgmt\_bod.html](https://investor.cimbniaga.co.id/gcg/mgmt_bod.html)
3.  [investor.cimbniaga.co.id/gcg/mgmt\_boc.html](https://investor.cimbniaga.co.id/gcg/mgmt_boc.html)
4.  [investor.cimbniaga.co.id/gcg/shareholders\_composition.html](https://investor.cimbniaga.co.id/gcg/shareholders_composition.html)
5.  [investor.cimbniaga.co.id/gcg/contact.html](https://investor.cimbniaga.co.id/gcg/contact.html)
6.  [investor.cimbniaga.co.id/gcg/bod.html](https://investor.cimbniaga.co.id/gcg/bod.html)
7.  [ir.listedcompany.com/tracker.pl?type=5&id=302511&m=3c72a4fd4252d4cb1f9013374f4d309d835336388ea5ffc608183e1403d](https://ir.listedcompany.com/tracker.pl?type=5&id=302511&m=3c72a4fd4252d4cb1f9013374f4d309d835336388ea5ffc608183e1403dfa4b8&redirect=https%3A%2F%2Finvestor.cimbniaga.co.id%2Fmisc%2FAP%2F2026%2FBNGA-2Q26-Results-Final.pdf)
8.  [cimbniaga.co.id/id/tentang-kami/berita/rupslb-cimb-niaga-setujui-spin-off-unit-usaha-syariah-dan-pendir](https://www.cimbniaga.co.id/id/tentang-kami/berita/rupslb-cimb-niaga-setujui-spin-off-unit-usaha-syariah-dan-pendir)
9.  [indopremier.com/ipotnews/newsDetail.php?jdl=BNGA\_Kantongi\_Izin\_Prinsip\_dari\_OJK\_untuk\_Spin\_off\_UUS\_Jadi\_C](https://www.indopremier.com/ipotnews/newsDetail.php?jdl=BNGA_Kantongi_Izin_Prinsip_dari_OJK_untuk_Spin_off_UUS_Jadi_CIMB_Niaga_Syariah&news_id=211701&group_news=IPOTNEWS&news_date=&taging_subtype=BNGA&name=&search=y_general&q=Bank+CIMB+Niaga+&halaman=1)
10.  [barometer.co.id/2026/04/rupst-cimb-niaga-setujui-laporan-tahunan-dan-laporan-keuangan-konsolidasian-tahun](https://barometer.co.id/2026/04/rupst-cimb-niaga-setujui-laporan-tahunan-dan-laporan-keuangan-konsolidasian-tahun-buku-2025/)
11.  [finansial.bisnis.com/read/20251212/231/1936199/unit-usaha-syariah-uus-cimb-niaga-estimasi-spin-off-rampung-mei](https://finansial.bisnis.com/read/20251212/231/1936199/unit-usaha-syariah-uus-cimb-niaga-estimasi-spin-off-rampung-mei-2026)

## Leadership

Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/pt-bank-cimb-niaga-tbk-bniaidja#overview-sources)

- **Chief executive:** Lani Darmawan President Director Confirmed 29 Sep 2026 · [investor.cimbniaga.co.id ↗](https://investor.cimbniaga.co.id/gcg/mgmt_bod.html)
- **Chair:** Didi Syafruddin Yahya President Commissioner Confirmed 29 Sep 2026 · [investor.cimbniaga.co.id ↗](https://investor.cimbniaga.co.id/gcg/mgmt_boc.html)
- **Chief financial officer:** Lee Kai Kwong Strategy & Finance Director Confirmed 29 Sep 2026 · [investor.cimbniaga.co.id ↗](https://investor.cimbniaga.co.id/gcg/mgmt_bod.html)
- **Executive:** Fransiska Oei Compliance, Corporate Affairs & Legal Director Confirmed 29 Sep 2026 · [investor.cimbniaga.co.id ↗](https://investor.cimbniaga.co.id/gcg/mgmt_bod.html)
- **Executive:** Henky Sulistyo Risk Management Director Confirmed 29 Sep 2026 · [investor.cimbniaga.co.id ↗](https://investor.cimbniaga.co.id/gcg/mgmt_bod.html)

## Supervisors & regulators

Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/pt-bank-cimb-niaga-tbk-bniaidja#overview-sources)

- **Indonesia:** Financial Services Authority (Otoritas Jasa Keuangan, OJK) Prudential supervisor Conduct Securities AML supervisor
- **Indonesia:** Bank Indonesia Central bank Foreign exchange Other

## Recent events

Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/pt-bank-cimb-niaga-tbk-bniaidja#overview-sources)

1.  Sep 2026

    Leadership

    Budiman Tanjung took office as Network and Digital Banking Director on 14 September 2026, following his appointment at the April 2026 AGM.

    [investor.cimbniaga.co.id ↗](https://investor.cimbniaga.co.id/gcg/mgmt_bod.html)

2.  Apr 2026

    Leadership

    The AGM reappointed Didi Syafruddin Yahya as President Commissioner and Sri Widowati and Farina J. Situmorang as Independent Commissioners.

    [barometer.co.id ↗](https://barometer.co.id/2026/04/rupst-cimb-niaga-setujui-laporan-tahunan-dan-laporan-keuangan-konsolidasian-tahun-buku-2025/)

3.  Jan 2026

    Licence

    OJK granted in-principle approval on 14 January 2026 for the spin-off of the Sharia Business Unit into PT Bank CIMB Niaga Syariah.

    [indopremier.com ↗](https://www.indopremier.com/ipotnews/newsDetail.php?jdl=BNGA_Kantongi_Izin_Prinsip_dari_OJK_untuk_Spin_off_UUS_Jadi_CIMB_Niaga_Syariah&news_id=211701&group_news=IPOTNEWS&news_date=&taging_subtype=BNGA&name=&search=y_general&q=Bank+CIMB+Niaga+&halaman=1)

4.  Jul 2025

    Leadership

    Rico Usthavia Frans took office on 24 July 2025 as Director responsible for operations, technology, analytics and AI.

    [investor.cimbniaga.co.id ↗](https://investor.cimbniaga.co.id/gcg/mgmt_bod.html)

5.  Jun 2025

    Other

    An extraordinary general meeting approved the spin-off of the Sharia Business Unit into PT Bank CIMB Niaga Syariah and the resignation of the Sharia Banking Director from the spin-off's effective date.

    [cimbniaga.co.id ↗](https://www.cimbniaga.co.id/id/tentang-kami/berita/rupslb-cimb-niaga-setujui-spin-off-unit-usaha-syariah-dan-pendir)

Compliance-relevant events of the last three years, newest first: fines and enforcement, investigations, incidents, leadership changes, mergers and licence changes. Each links to its source.

## Identifiers

Head-office record

- **BIC:** BNIAIDJAXXX
- **How the BIC breaks down:** 1. BNIA Bank 2. ID Country · Indonesia 3. JA Location 4. XXX Branch · head office
- **Branch description:** HEAD OFFICE OPERATION
- **LEI:** 549300NZ97UNGBXAPM35
- **LEI record:** [View on GLEIF ↗](https://search.gleif.org/#/record/549300NZ97UNGBXAPM35)
- **How the LEI was matched:** BIC: Mapped to this BIC in the Swift and GLEIF BIC-to-LEI relationship file.

## Profile

- **Type:** Financial institution
- **Regulation:** Not on a tracked register
- **Register licences:** None matched by LEI in the 22 tracked registersThe tracked registers cover payment, e-money, crypto and money-service firms in 37 countries. Bank licences from national supervisors are not tracked.
- **Country · region:** Indonesia · East Asia & Pacific
- **Trading venues (MIC):** No MIC registered under this LEI list of 2026-09-17
- **OFAC sanctions:** No listing cites this BIC
- **EU sanctions:** No listing matched this BIC or its LEI
- **Country sanctions:** No country programme

Types come from Swift’s BIC classification, the licences on the 22 tracked registers, and the ECB and FSB bank lists. Most banks outside the euro area appear as financial institutions, because their supervisors’ registers are not tracked yet.

No licence or registration was found for this entity on the 22 registers the directory tracks, or on the ECB and FSB bank lists. Most banks are licensed by national supervisors whose registers are not tracked yet. This does not mean that the institution is unregulated.

## Ownership and group

GLEIF relationship records

- **Direct parent:** Cimb Group Holdings Berhad · Malaysia[549300FYDN5UD7USZW18 ↗](https://search.gleif.org/#/record/549300FYDN5UD7USZW18)

The Cimb Group Holdings Berhad group has 13 institutions in the directory, in 9 countries: all hold a BIC.

Including [Cimb Bank Berhad](https://elucidate.co/directory/cimb-bank-berhad-cibbmykl), [Cgs International Securities (Thailand) CO., Ltd.](https://elucidate.co/directory/cgs-international-securities-thailand-co-ltd-seetthb1), [Cgs-Cimb Securities (UK) Limited](https://elucidate.co/directory/cgs-cimb-securities-uk-limited-gosugb21), [Cgs-Cimb Securities (USA), Inc](https://elucidate.co/directory/cgs-cimb-securities-usa-inc-ciuuus31), [Cimb Bank Berhad](https://elucidate.co/directory/cimb-bank-berhad-cibbsgsg).

[See the Cimb Group Holdings Berhad group →](https://elucidate.co/directory/group/549300FYDN5UD7USZW18)

Group membership follows the accounting-consolidation relationships reported to GLEIF. It does not show ownership shares or control.

## Addresses

- **Registered address:** 1A 1A JALAN ISKANDARSYAH RAYA JAKARTA 12160 INDONESIA
- **Operational address:** MENARA SENTRAYA FLOOR 32 1A JALAN ISKANDARSYAH RAYA JAKARTA 12160 JAKARTA INDONESIA

## ISO 20022 identification

As an agent in a Swift cross-border payment message (CBPR+)

A CBPR+ message identifies this institution by its BIC, and may add its LEI or a clearing code. CBPR+ does not allow a name and postal address next to a BIC.

- **Identified by:** BIC, with its LEI
- **Roles in CBPR+:** Any agent, including the instructing and instructed agents

### CBPR+

For cross-border payments on Swift: the BIC, with the LEI and clearing code where known

```xml
<FinInstnId>
  <BICFI>BNIAIDJAXXX</BICFI>
  <LEI>549300NZ97UNGBXAPM35</LEI>
</FinInstnId>
```

### Full record

Every ISO 20022 element the directory holds. Base ISO 20022 allows them together. CBPR+ does not allow a name and address next to a BIC

```xml
<FinInstnId>
  <BICFI>BNIAIDJAXXX</BICFI>
  <LEI>549300NZ97UNGBXAPM35</LEI>
  <Nm>PT. BANK CIMB NIAGA, TBK</Nm>
  <PstlAdr>
    <TwnNm>JAKARTA</TwnNm>
    <Ctry>ID</Ctry>
    <AdrLine>1A 1A JALAN ISKANDARSYAH RAYA JAKARTA 12160</AdrLine>
  </PstlAdr>
</FinInstnId>
```

The BIC, name and address are as published in Swift’s BIC directory. The LEI comes from the Swift and GLEIF BIC-to-LEI file. Check them against your own records before use.

## Network

### Branch network

All 4 branch BICs connect to the head office. No city, function or registration year splits them into groups.

### Branch codes

| BIC | Branch | City | Address | LEI | Updated |
| --- | --- | --- | --- | --- | --- |
| [BNIAIDJAGMA](https://elucidate.co/directory/pt-bank-cimb-niaga-tbk-bniaidja-gma) | GAJAH MADA REGIONAL OFFICE | Gajah Mada | CIMB NIAGA GAJAH MADA 18 JL. GAJAH MADA JAKARTA 10130 JAKARTA INDONESIA | — | 2023-06-03 |
| [BNIAIDJASMG](https://elucidate.co/directory/pt-bank-cimb-niaga-tbk-bniaidja-smg) | SEMARANG BRANCH | Semarang | SEMARANG SEMARANG INDONESIA | — | 2023-06-03 |
| [BNIAIDJATHM](https://elucidate.co/directory/pt-bank-cimb-niaga-tbk-bniaidja-thm) | THAMRIN BRANCH | Jakarta | JAKARTA JAKARTA INDONESIA | — | 2023-06-03 |
| [BNIAIDJATUN](https://elucidate.co/directory/pt-bank-cimb-niaga-tbk-bniaidja-tun) | TUNUNGAN BRANCH | Surabaya | SURABAYA SURABAYA INDONESIA | — | 2023-06-03 |

[See every BIC in Indonesia →](https://elucidate.co/directory/country/id#bics)

## Related institutions

### Same group

-   [Cimb Bank Berhad BIC CIBBMYKL Financial institution Not on a tracked register Malaysia · Not on a tracked register · LEI SR3J0ZUTXT7OTFT2VU03](https://elucidate.co/directory/cimb-bank-berhad-cibbmykl)
-   [Cgs International Securities (Thailand) CO., Ltd. BIC SEETTHB1 Financial institution Not on a tracked register Thailand · Not on a tracked register · LEI 254900PD012Q1YACSI26](https://elucidate.co/directory/cgs-international-securities-thailand-co-ltd-seetthb1)
-   [Cgs-Cimb Securities (UK) Limited BIC GOSUGB21 Financial institution Not on a tracked register United Kingdom · Not on a tracked register · LEI 213800R28WI15UIOEM04](https://elucidate.co/directory/cgs-cimb-securities-uk-limited-gosugb21)
-   [Cgs-Cimb Securities (USA), Inc BIC CIUUUS31 Financial institution Not on a tracked register United States · Not on a tracked register · LEI 549300H78CKL2ZTQTD26](https://elucidate.co/directory/cgs-cimb-securities-usa-inc-ciuuus31)
-   [Cimb Bank Berhad BIC CIBBSGSG Financial institution Not on a tracked register Singapore · Not on a tracked register · LEI 549300PLDYJMOW8QKZ45](https://elucidate.co/directory/cimb-bank-berhad-cibbsgsg)
-   [Cimb Bank Berhad Hong Kong Branch BIC CIBBHKHK Financial institution Not on a tracked register Hong Kong SAR China · Not on a tracked register · LEI 549300XJO5CGVWMZAQ80](https://elucidate.co/directory/cimb-bank-berhad-hong-kong-branch-cibbhkhk)
-   [Cimb Bank Berhad London BIC CIBBGB2L Financial institution Not on a tracked register United Kingdom · Not on a tracked register · LEI 549300HUCLV2DB1T8U76](https://elucidate.co/directory/cimb-bank-berhad-london-cibbgb2l)
-   [Cimb Bank Berhad Shanghai Branch BIC CIBBCNSH Financial institution Not on a tracked register China · Not on a tracked register · LEI 300300C1250531000075](https://elucidate.co/directory/cimb-bank-berhad-shanghai-branch-cibbcnsh)

[All 13 institutions in the Cimb Group Holdings Berhad group →](https://elucidate.co/directory/group/549300FYDN5UD7USZW18)

### Same name, different BIC

-   [Pt. Bank Cimb Niaga, Tbk BIC BNIAIDJ1 Financial institution Not on a tracked register Indonesia · Not on a tracked register · No LEI mapped](https://elucidate.co/directory/pt-bank-cimb-niaga-tbk-bniaidj1)

### Largest institutions in Indonesia

-   [Pt Bank Negara Indonesia BIC BNINIDJA Financial institution Not on a tracked register Indonesia · Not on a tracked register · LEI 549300HZ8J3MLVXQ8F85](https://elucidate.co/directory/pt-bank-negara-indonesia-bninidja)
-   [Pt. Bank Rakyat Indonesia (Persero), Tbk BIC BRINIDJA Financial institution Not on a tracked register Indonesia · Not on a tracked register · LEI 254900HB6S4B12GBNP64](https://elucidate.co/directory/pt-bank-rakyat-indonesia-persero-tbk-brinidja)
-   [Pt. Bank Danamon Indonesia, Tbk BIC BDINIDJA Financial institution Not on a tracked register Indonesia · Not on a tracked register · LEI 254900XB9K06L7PWEP97](https://elucidate.co/directory/pt-bank-danamon-indonesia-tbk-bdinidja)
-   [Bank Mandiri (Persero), Pt. BIC BMRIIDJA Financial institution Not on a tracked register Indonesia · Not on a tracked register · LEI 549300RSKQN4Z5ZSGH94](https://elucidate.co/directory/bank-mandiri-persero-pt-bmriidja)
-   [Pt Bank HSBC Indonesia BIC HSBCIDJA Financial institution Not on a tracked register Indonesia · Not on a tracked register · LEI 213800HW5IDIRLWH1203](https://elucidate.co/directory/pt-bank-hsbc-indonesia-hsbcidja)
-   [Citibank N.A BIC CITIIDJX Credit institution Prudential licence Indonesia · On the FSB G-SIB list · LEI E57ODZWZ7FF32TWEFA76](https://elucidate.co/directory/citibank-n-a-citiidjx)
-   [Pt Bank Maybank Indonesia Tbk BIC IBBKIDJA Financial institution Not on a tracked register Indonesia · Not on a tracked register · LEI 549300RHDK5D1O3JHU60](https://elucidate.co/directory/pt-bank-maybank-indonesia-tbk-ibbkidja)
-   [Standard Chartered Bank BIC SCBLIDJX Credit institution Prudential licence Indonesia · On the FSB G-SIB list · LEI 254900XJQ7BKPSDXNP74](https://elucidate.co/directory/standard-chartered-bank-scblidjx)

[See every BIC in Indonesia →](https://elucidate.co/directory/country/id#bics)

Claim this profile

## Work at Pt. Bank Cimb Niaga, Tbk?

Claim this page to have it marked as verified by the bank, and to send us corrections. We verify every claim before anything changes on the page.

1.  01 **Submit** Tell us who you are, using your work email.
2.  02 **We verify** We check the email domain and confirm your role with the bank. This usually takes up to five business days.
3.  03 **Profile claimed** The page is marked as claimed and verified. You can send us corrections at any time.

Sources & method

Every value comes from a public source, such as Swift’s ISO 9362 BIC directory, GLEIF or the OFAC and EU sanctions lists. Most sources are matched on a BIC or an LEI, not on a name.

Swift GPI membership is matched on names and is indicative. A missing sanctions match does not mean that no listing applies. Always screen against the official lists.

The sanctions facts on this page cover the BIC and its LEI only.

An institution is one entry in the directory: a BIC8 in Swift’s directory, or a firm on a tracked register that holds no BIC. Licences held by an institution with a BIC are shown on its page.

[Read the methodology →](https://elucidate.co/directory/methodology)

Credits for this page

-   **Ownership and group**—GLEIF Level 2 relationship records (accounting consolidation), matched by LEI.
-   **Overview, leadership, regulators and events**—researched per institution by an AI model with web search, from the institution's own website and reports, regulators, company registers and news. Figures, people and events link to their source, and each card shows the research date. AI research can be wrong or out of date, so check key facts at the source.
-   **Images**—logos and photos from Wikimedia Commons (credited with their author and licence) or from the institution's own website, where Wikimedia has none. Elucidate keeps a copy of each; the links lead to the source and the original image. Logo: [cimbniaga.co.id](https://www.cimbniaga.co.id/id/home/welcome) (official website) · [original](https://www.cimbniaga.co.id/content/dam/cimb/revamp/logo.svg).

## Assess the financial crime risk behind a BIC

A BIC identifies an institution; it does not assess it. The [Elucidate FinCrime Index (EFI)](https://elucidate.co/ratings) is an independent score of the financial crime risk of banks, built for correspondent banking and counterparty due diligence.

[Book a demo](https://elucidate.co/demo-request)

Licence and registration data are drawn from the public registers of the regulators named on each page and shown for information only; the official register is always the authority. LEIs and ownership are from GLEIF. Directory and gpi data are drawn from SWIFT's public sources. SWIFT, Swift gpi and UETR are trademarks of S.W.I.F.T. SC, Avenue Adèle 1, 1310 La Hulpe, Belgium. Elucidate is not affiliated with, endorsed by or sponsored by SWIFT or any regulator named here. Elucidate does not provide payment or other financial services.