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BNI was the first BUMN (State-Owned Enterprise) Bank to become a public company after listing its shares on the Jakarta Stock Exchange and Surabaya Stock Exchange in 1996. To strengthen its financial structure and competitiveness in the national banking industry, BNI carried out a number of corporate actions, including others are the recapitalization process by the Government in 1999, the divestment of Government shares in 2007, and a limited public offering of shares in 2010. BNI offers fund storage services and loan facilities for both the corporate, medium and small segments. Some of the best products and services have been adapted to the needs of customers from childhood, adolescence, adulthood, to retirement.