PT Bank Artha Graha Internasional Tbk is an Indonesia-based financial institution. The Bank's products are categorized into consumer banking, which includes saving accounts, checking accounts, time deposits, ArthaCare Saving, Graha Cash automated teller machine (ATM), phone banking and short message service (SMS) banking; treasury, which includes fixed income, foreign exchange and money market products, and loan, which includes mortgage loans, car loans, working capital loans, investment loans and trade financing loans. The Bank is supported by 33 branch offices, 37 sub-branch offices, six cash offices, eight payment points and 52 ATMs.