PT Bank Negara Indonesia (Persero) Tbk is an Indonesia-based financial institution. The Bank's products and services are categorized into: individual, consisting of credit, savings, treasury and services; corporate, consisting of credit, treasury and services; sharia, consisting of funding and financing products based on sharia principles. As of December 31, 2008, the Bank was supported by 939 domestic branches and sub branches and 31 sharia branches. In addition, the Bank's network also includes overseas branches in Singapore, Hong Kong, Tokyo, London and New York. The Bank has three subsidiaries: PT BNI Multi Finance, a financial services company; PT BNI Securities, a securities company, and PT BNI Life Insurance, a life insurance provider.