About Us

Bank Neo Commerce is committed to providing the best experience in the world of digital banking.

Innovative Digital Banking Services.

Bank Neo Commerce is an innovative digital bank that provides an easy, enjoyable, and secure banking transaction experience at your fingertip.

New Banking Vision, Above & Beyond.

Bank Neo Commerce was formerly known as Bank Yudha Bhakti which was founded in 1990. In 2019 PT Bank Yudha Bhakti partnered with PT Akulaku Silvrr Indonesia (Akulaku), as one of the shareholders to transform into a digital bank. With a new vision of Banking, Above & Beyond, in 2020 Bank Yudha Bhakti officially changed its name to Bank Neo Commerce or BNC, as well as marking a new chapter in our footsteps.

Delivering Exceptional Financial Experiences.

BNC prioritizes customer satisfaction at the forefront. We believe that our true success is measured by the trust and contentment of our customers, and we remain committed to delivering exceptional financial experiences.

BNC Vision

“More than Just a Bank

We are redefining how banking works by creating a service system based on customer needs and wants. Supported by technological advances, we provide inclusive digital-based financial services that are profitable and accessible to everyone. Awards are motivation in realizing commitment.

BNC Missions

  • Collectively delivering Neo Experience in banking.
  • Presenting peace of mind and financial well-being for our customers.
  • Optimizing digital service in maximum convenience and comfort for our customers.
  • Consistently providing an inclusive, comfortable, and continuous financial service.


PT Bank Yudha Bhakti Establishment

It started with the PAKTO 27/1988, which the Ministry of Defense of the Republic of Indonesia, Perum ASABRI, Pepabri, and relevant developers initiated. PT Bank Yudha Bakti, under the principle approval of the Minister of Finance on August 14th, 1989, started operating on January 9th, 1990. 


“A” Classified Title

Bank Yudha Bhakti, which was initially owned only by the main cooperative and the cooperative center within the TNI/POLRI and the Ministry of Defense and Security, was able to withstand the exposure of the monetary crisis that hit Indonesia in 1997. The bank seized positive opportunities and earned a category "A" Bank.


2001 - Branch Opening in Java and Sumatera

Since 2001, bank is doing expansions continuously with opening Branch Office and Sub-branch Office in Java and Sumatra area.


Going Public

On January 13, 2015, Bank Yudha Bhakti decided to go public by completing an initial public offering (IPO) on the Indonesia Stock Exchange. 


Akulaku Became the New Shareholder

After more than 30 years of serving the public with conventional banking products, Bank Yudha Bhakti is entering a new era by merging with PT Akulaku Silvrr Indonesia as a new shareholder through Capital Increase Without Pre-emptive Rights (PMTHMETD).


Transforming into Digital Banking Services

  • Transform into a Digital Banking Services.
    The bank committed to transforming into a digital retail bank ready to serve customers' needs in the millennial market segment.

  • Officially Becomes a BUKU II Bank.
    On September 18th 2020, PT Bank Neo Commerce Tbk officially held the title of Commercial Bank for Business Activities (BUKU) II.

  • Changed Name to Bank Neo Commerce.
    To support the bank's big aspirations, PT Bank Yudha Bhakti Tbk decided to change its name to PT Bank Neo Commerce Tbk, in 2020."


BNC's achievement in 2022

In 2022, BNC achieved remarkable milestones. With an impressive 23.7 million customers, BNC demonstrated its dedication to a diverse clientele. BNC recorded a staggering total transaction value of Rp4.7 trillion in 148.5 million transactions, establishing new benchmarks for innovation and excellence in the digital banking industry.





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