BSI Brand Guidelines: Three State Islamic Banks Merged in 2021, BYOND & a Gold Bank

Three state-owned Islamic banks become one.

BSI, short for Bank Syariah Indonesia — “Sharia Bank of Indonesia” — is the product of a merger. Its three predecessors were the Islamic banking subsidiaries of three state-owned banks: BRIsyariah of Bank Rakyat Indonesia, Bank Syariah Mandiri of Bank Mandiri and BNI Syariah of Bank Negara Indonesia. Indonesian Wikipedia says the managements of the three agreed the merger plan on 12 October 2020 and that BRIsyariah was chosen as the surviving company because it was the only one of them already listed on the stock exchange.

After the Financial Services Authority, the OJK, gave its permission on 27 January 2021, PT Bank BRIsyariah Tbk was renamed PT Bank Syariah Indonesia Tbk, and the other two banks merged into it on 1 February 2021. On the same day, Indonesian Wikipedia says, citing Bisnis.com, the new name and logo were launched to the public. The news agency Antara, in a September 2025 column, also dates the start of BSI’s official operations to 1 February 2021.

The surviving company has a longer history. Indonesian Wikipedia traces it to Bank Djasa Arta, founded in Bandung on 3 July 1969 and later spelled Bank Jasa Arta; Bank Rakyat Indonesia bought it on 19 December 2007, converted it to Sharia banking as Bank Syariah BRI in 2008, merged its own Sharia unit into it from 1 January 2009 and renamed it BRIsyariah in December 2009. It was listed on the Indonesia Stock Exchange on 9 May 2018, under the code BRIS that BSI still uses. English Wikipedia says Bank Syariah Mandiri began in 1955 as Bank Industri Nasional and converted to Sharia banking in 1999, and that BNI Syariah began as a Sharia unit of BNI in April 2000 and was spun off in 2010.

A three-letter name and a super app.

The merged bank chose a short name. “BSI” works in Indonesian and English alike, and the full name — Bank Syariah Indonesia — states both the banking model and the country. The new name carries none of the three predecessor names.

Its most visible brand since then is digital. On 9 November 2024, Antara reported, BSI officially launched the super app BYOND by BSI in Jakarta, after it had appeared in the App Store and Play Store on 26 October 2024. The bank described three sides to it: financial services such as transfers and top-ups; social functions for paying zakat, infak, sedekah and wakaf, the religious giving and endowments of Islamic practice; and what it called a spiritual function, with prayer times, the qibla direction and short passages of the Qur’an. Indonesian Wikipedia says BYOND had been in development since 2022 and replaced the earlier BSI Mobile app; it also shows a separate BEWIZE by BSI mark.

Gold has become another theme. An Antara photo caption from April 2025 names three gold services — BSI Cicil Emas, BSI Gadai Emas and BSI Emas, for gold instalments, gold pawning and gold holdings — offered through BYOND. Indonesian Wikipedia says the OJK approved BSI’s gold custody and trading services on 12 February 2025, that the bank’s gold services were formally launched later that month, and that a gold deposit service was approved on 10 November 2025.

Green, gold and two scripts.

Islamic banks present themselves through a small set of recurring signals. Green, gold and deep blue appear often in their wordmarks and branch signs, and many write their names in two scripts side by side: Arabic, or Jawi in Malaysia, next to Latin letters. Geometric patterns, drawn from the long tradition of Islamic ornament, turn up on cards, reports and branch interiors, usually as a background rather than as a logo.

Their names tend to say what they are. Words such as “Islamic,” “Islam” and “Syariah” sit in the name itself, alongside the country or city, so that the banking model is part of the brand. Product names follow the same logic: accounts and financing are often labelled with the Arabic name of the contract behind them, such as murabaha, a cost-plus sale; ijara, a lease; mudharabah, a profit-sharing arrangement; or wakalah, an agency.

Their websites have a common structure. Alongside the usual pages on savings, cards and home and business financing, most carry a page on the bank’s Sharia supervisory board or council, the panel of scholars that reviews its products, and many add pages on sukuk, the Sharia-compliant certificates used in place of conventional bonds, on takaful, the cooperative form of insurance, and on zakat and charitable giving. Newer banking apps add prayer times and the qibla direction next to transfers and payments.

Annual and sustainability reports are where much of the identity is set out at length, with the Sharia board’s statement printed beside the auditors’ report. This guide follows what dated sources say about each bank — when it was founded, how it was merged, renamed or listed, and how it describes its own products — and treats the palette and type shown here as an unofficial interpretation rather than any bank’s own.

From a subsidiary to a Persero.

BSI’s corporate status changed in its fifth year. At an extraordinary general meeting on 22 December 2025, English and Indonesian Wikipedia say, the state’s special rights through a Series A Dwiwarna share were added to its shareholding, turning it from a subsidiary of Bank Mandiri into a state-owned company in the form of a Persero, with the official name PT Bank Syariah Indonesia (Persero) Tbk; the change in legal status took effect on 23 January 2026. Indonesian Wikipedia adds that from 7 April 2026 BSI was formally no longer part of Bank Mandiri’s subsidiaries, though its shares were still held by Bank Mandiri, BNI and BRI rather than directly by the government.

On 2 February 2026, the bank’s fifth anniversary, Indonesian Wikipedia says, citing CNN Indonesia, that BSI marked its Persero status and launched a campaign called “Langkah Emas Generasi Emas,” roughly “golden steps for a golden generation,” which Indonesian Wikipedia says presented BSI as Indonesia’s only bullion bank. Outside Indonesia, English Wikipedia says, BSI opened a representative office in the Dubai International Financial Centre in January 2022.

The bank has also faced service disruptions. In May 2023 Liputan6 reported that BSI Mobile had stopped working from 8 May, that the bank had found indications of a cyberattack and temporarily switched systems off, and that the communications ministry said the disruption was resolved within a day; Indonesian Wikipedia dates the return to normal service to 10 May 2023 and records further app disruptions in January 2024, February 2025 and September 2025.

For a design guide, BSI shows how a merger can be given one short name and then carried mainly through an app. Compare Bank Islam, Malaysia’s Islamic bank of 1983, and Dubai Islamic Bank, an Islamic lender in Dubai. For this guide we use a lagoon teal, pale mint and harvest gold with a sans, an unofficial interpretation; no product or logo is reproduced.

Keep BSI’s identity on hand — save it to a board in the Made Good inspiration library.