PT Bank Negara Indonesia (Persero) Tbk (BNI) recorded positive performance in the first half of 2025, driven by three strategic pillars: digital transformation, strengthening support for MSMEs, and credit portfolio diversification.
This performance is reflected in solid growth of CASA funds, diversification of financing, and stable profitability and capital performance.
BNI’s Director of Finance & Strategy, Hussein Paolo Kartadjoemena, revealed that digitalization is an important foundation for strengthening funding structures and customer service.
"The growth of Third Party Funds (TPF), particularly CASA, reflects the success of BNI's digitalization strategy and branch transformation," said Paolo.
In the first half of this year, BNI recorded a 16.5% year-on-year growth in deposits to IDR900 trillion, driven by a rapid 18.7% year-on-year increase in low-cost funds or CASA, which reached IDR647.6 trillion.
The growth of current accounts by 25.1% YoY and savings by 10.5% YoY drove an increase in the CASA ratio to 72.0%, up from 70.7% in the same period last year. This strengthens the liquidity and efficiency of the funding structure, which is an important asset for BNI's future credit expansion.
BNI's digital transformation has delivered significant results. The wondr by BNI application, launched in July 2024, has recorded user growth of up to 8.6 million by June 2025, with transaction volume growth reaching 68% year-on-year.
Additionally, wondr can now be used globally. We have just launched a new feature called multicurrency, which allows customers to transact in various foreign currencies more easily, as well as the QRIS cross border feature, which customers can use to make payments abroad using wondr more conveniently.
Meanwhile, the digital channel for wholesale customers, BNIdirect, recorded a transaction value of IDR5,246 trillion by the end of the first half of 2025, or a 31.1% year-on-year increase.
This increase is due to the transformation of the BNIdirect platform, which is now simpler, faster, and more personalized, and supports SMEs with features such as real-time cash visibility, single authorization, and ease of transactions. As a result, transactional checking account balances increased significantly by 18% year-on-year.
From a business expansion perspective, BNI recorded total credit disbursement of IDR778.7 trillion, or a year-on-year growth of 7.1% by the end of June 2025. This achievement is supported by portfolio diversification, as evidenced by the contributions from various segments, ranging from corporations, consumers, and commercial to MSMEs.
Credit in the Corporate and Consumer segments remains a major contributor to growth. Corporate credit rose 10.4% YoY to IDR435.8 trillion, driven by financing to private companies, state-owned enterprises, and government institutions. Meanwhile, consumer credit grew 10.7% YoY to IDR147.0 trillion, primarily from personal loans (+11.7% YoY) and mortgages (+9.9% YoY).
As BNI supports economic growth and strives to build a more optimal asset portfolio, we have a strategy to revitalize the MSME segment while prioritizing prudent risk management.
The implementation of the credit scoring system in the MSME segment that we have applied has shown positive results in improving asset quality.
By the end of June 2025, the disbursement of non-KUR MSME credit showed healthy growth of 9.2% YoY to IDR 44.4 trillion. Going forward, we expect our MSME and commercial segments to grow sustainably and profitably, while always prioritizing prudence.
Commercial credit also began to show positive momentum with a year-on-year growth of 5.5%. Meanwhile, BNI's subsidiaries recorded a year-on-year credit growth of 27.1% to IDR17.2 trillion, reflecting the strengthening of group synergy.
Disciplined risk management and credit acceleration in low-risk segments are reflected in BNI's continuously improving asset quality. Non-Performing Loans (NPLs) decreased to 1.9% and Loans at Risk (LARs) improved to 11.0%, allowing the Cost of Credit (CoC) to be kept at 1%.
The combination of digital transformation and credit portfolio diversification enabled BNI to record a consolidated net profit of IDR10.1 trillion in the first half of 2025. Capital adequacy ratios are also at a healthy level, with a CAR of 21.1%, while we maintain our LDR at a healthy level to optimize DPK and credit growth until the end of 2025.
"With a strong foundation and a focus on the productive sector, we are optimistic that we can expand credit expansion capacity in the second half of 2025, while maintaining asset quality and sustainable profitability," concluded Paolo.