PT Bank Negara Indonesia (Persero) Tbk or BNI recorded a lending and savings growth of 10.1% and 10.2% respectively on an annualized basis (YoY) in the first quarter of 2025. This solid performance for the three-month period ending March 2025 shows BNI's resilience in managing liquidity by balancing growth and risk mitigation.
BNI Finance & Strategy Director Hussein Paolo Kartadjoemena said, amid the dynamics and challenges of global uncertainty, the company managed to record solid financial performance coupled with prudent business growth.
“ BNI's financial performance achievement in the first quarter of 2025 reflects healthy credit growth and the success of digital transformation which also supports the increase in savings,” Paolo said in his statement in Jakarta, Monday, April 28, 2025.
Total lending as of March 2025 reached IDR765.47 trillion, driven by the corporate segment which grew 16% YoY to IDR433.4 trillion. This included financing to the private and institutional sectors, which rose 17% to IDR317.1 trillion, while loans to state-owned enterprises (SOEs) increased 13.3% to IDR116.3 trillion.
The consumer segment was the second largest contributor after corporate with growth of 13% YoY to IDR144.9 trillion. The highest growth came from personal loans which increased by 13.7% and mortgage loans (KPR) grew by 12.5% on an annualized basis.
In the medium segment, lending growth was supported by commercial loans which increased by 2.6% YoY. Meanwhile, in the small segment, the growth of non-People's Business Credit (KUR) financing was recorded at 6.1% YoY.
Overall, BNI's credit composition was dominated by the corporate segment as much as 56.6% of total financing, followed by the consumer segment 18.9%, credit to the medium and small segments 12.6% and 9.6% respectively.
Meanwhile, the contribution of financing from subsidiaries increased from 1.6% to 2.2%. BNI's consolidated lending growth in the first quarter of 2025 was in line with the target set for this year.
In terms of asset quality, the non-performing loan (NPL) ratio was maintained at 2% and loan at risk fell to 10.9% from 13.3% in the first quarter of 2024.
This quality improvement also resulted in savings in provisioning expenses formed or credit cost from 1% to 0.9%, in line with BNI's aspirational target this year.
Healthy credit growth was also supported by an increase in BNI's third party funds (DPK) by 5% YoY to Rp819.6 trillion, where the highest growth came from the collection of low-cost funds (Current Account Saving Account/CASA) by 6.3%, especially in savings products which grew solidly by 10.2% YoY to IDR257.8 trillion and current accounts grew 3.4% YoY to IDR320 trillion. This achievement is the result of BNI's digital transformation in obtaining transactional CASA.
“The success of digitization with the wondr by BNI and BNIdirect applications has contributed to the increase in CASA, so that the ratio of low-cost funds has increased to 70.5% of total deposits or the highest from the previous four quarters,” said Paolo.
Quality growth in loans and deposits boosted net interest income (NII) by 4.7% YoY to Rp9.8 trillion. As such, operating income rose 2.8% to IDR15.25 trillion and net profit increased to IDR5.4 trillion.
Digital Solution
In the midst of liquidity challenges that still occurred in the first quarter of 2025, the wondr by BNI application was able to record an increase in savings and transactions. Users of the wondr by BNI application until March 2025 reached 6.8 million with 218 million transactions worth IDR212 trillion since it was first launched on July 5, 2024.
BNI recorded an increase in the number of transactions through all mobile banking channels by 57.5% YoY while the total transaction value grew by 31.1% YoY. More innovative and relevant features in wondr by BNI have accelerated the increase in transactions in less than a year with its global technology standards.
All BNI Mobile Banking features have migrated to wondr by BNI in February 2025, as well as new features such as changing credit card installments, card to cash, new personal financial management, tax reports, and lifestyle features to buy Java Jazz Festival tickets through wondr by BNI.
In the wholesale segment, BNIdirect as an integrated corporate portal that has been transformed and officially introduced on October 9, 2024, recorded transaction value growth of 33.2% YoY or IDR 2,374 trillion, with an increase in the number of transactions by 16.4% YoY to 337 million transactions.
ESG Commitment
As of March 2025, BNI recorded a total sustainable portfolio or financing to business sectors that meet the Sustainable Business Activity Category (KKUB) according to OJK regulations of IDR 182.4 trillion or 24.3% of BNI's total loan portfolio.
Of this amount, IDR 110.2 trillion was channeled for financing and empowerment programs for Micro, Small and Medium Enterprises (MSMEs) and IDR 72.2 trillion in the form of green loans.
BNI Risk Management Director David Pirzada said, in the last four years the company has proven a strong increase in the green loan portfolio with a CAGR of 23.5%.
To support the debtor's business transition, BNI continues to develop financing through the Sustainability Linked Loan (SLL) scheme, with a total distribution of IDR6 trillion to various sectors, such as livestock and food product processing, iron manufacturing, cement, coal products, and the plastic goods industry.
As a form of sustainability commitment, BNI also consistently encourages the growth of MSMEs through environmental-based MSME empowerment programs.
In 2025, BNI strengthened the BUMI Program (BNI MSME Environmentally Friendly) by providing incentives and various supports such as training, business matching, and environmental certification.
Through this program, BNI has channeled IDR13.9 billion in financing to 40 MSMEs in the handicraft industry sector until March 2025.
On the operational side, BNI continues to make improvements in waste management by adopting the principle of zero waste to landfill. This effort is also complemented by a program to foster a green lifestyle in corporate culture, as well as an energy efficiency program carried out in all BNI operational offices.
“All of these programs are expected to strengthen BNI's contribution in reducing emissions and supporting the achievement of the Net Zero Emission (NZE) target for operations in 2028 and financing in 2060,” concluded David.