(24/10/2025) - PT Bank Negara Indonesia (Persero) Tbk, or BNI, closed the third quarter of 2025 with solid financial performance amidst global economic dynamics. Strengthening fundamentals, funding efficiency, and increasingly mature digital transformation are the main pillars of the company's resilience and sustainable growth.
BNI President Director Putrama Wahju Setyawan stated that the strategy of strengthening portfolio quality and disciplined funding efficiency has made BNI resilient in the face of volatility, while also maintaining balanced growth across all business segments.
"This success demonstrates BNI's ability to remain adaptable in the face of challenges, while continuing to drive inclusive and sustainable growth," said Putrama in a written statement.
BNI recorded a solid capital ratio, with a Capital Adequacy Ratio (CAR) reaching 21.1%, including Tier-1 Capital which remained strong. Liquidity was also at a safe level with a Loan to Deposit Ratio (LDR) of 86.9%, a Liquidity Coverage Ratio (LCR) of 167.4%, and a Net Stable Funding Ratio (NSFR) of 142.1%.
Asset quality also stayed maintained. The gross non-performing loan (NPL) ratio was in the range of 2.0%, while Loans at Risk (LAR) improved to 10.4%, reflecting BNI's success in maintaining asset quality thru the implementation of strong risk management and healthy and prudent business expansion strategies.
Balanced Credit Portfolio
BNI Finance & Strategy Director Hussein Paolo Kartadjoemena explained that by the end of September 2025, BNI's total credit disbursement grew by 10.5% (year-on-year) to IDR812.2 trillion. This growth was recorded evenly across all business segments, reflecting an increasingly healthy and balanced credit portfolio.
"BNI's credit growth is now more balanced across all segments, including corporate, medium, and MSMEs. This demonstrates the effectiveness of our financing strategy in maintaining asset quality while also driving growth in the productive sector," said Paolo.
Corporate credit rose 12.4% YoY to IDR450.7 trillion, supported by increased financing to private corporations, state-owned enterprises, and institutions. Meanwhile, medium segment credit grew 14.3% YoY, and non-KUR MSME credit increased 13.9% YoY to IDR46.3 trillion, indicating BNI's commitment to strengthening the real sector and driving national economic independence.
The consumer segment also showed positive performance with a 9.6% year-on-year growth to IDR150.2 trillion, supported by mortgage financing, personal loans, and credit cards. Synergy with subsidiaries also strengthened BNI's business ecosystem, as reflected in the group's business loan growth, which increased 15.3% year-on-year to IDR17.4 trillion.
To maintain the quality of the bank's assets and a healthy risk profile, the company continues to strengthen its financial resilience thru the disciplined and robust formation of allowance for impairment losses (CKPN).
By the end of the third quarter of 2025, BNI's CKPN was recorded at IDR34.7 trillion, with a non-performing loan (NPL) coverage ratio of 222.7%. This selective strengthening of reserves underscores BNI's commitment to anticipating potential credit risks and maintaining sustainable financial resilience.
"We continue to strengthen the quality of our credit portfolio and implement risk-based provisioning to ensure long-term resilience," Paolo added.
Digitization Drives CASA and Fee Income
Abu Santosa Sudradjat, Director of Treasury & International Banking, stated that the aggressive digital transaction banking strategy has created strong growth. BNI recorded Third Party Funds (DPK) growing 21.4% YoY to IDR934.3 trillion, with CASA increasing 13.3% YoY to IDR613.4 trillion.
"This portion of low-cost funds strengthens the funding structure and reduces the cost of funds, keeping profitability healthy," said Abu.
In addition to the increase in DPK, especially CASA, the aggressive digital transaction banking strategy also resulted in a 11% year-on-year growth in fee-based income and contributed 30% of BNI's total fee-based income by the end of the third quarter of 2025.
This growth was largely driven by the acceleration of digital channels, particularly the wondr by BNI application, which recorded a surge in users from 2.8 million in September 2024 to 10.5 million users as of September 2025. The transaction value of wondr by BNI reached IDR 783 trillion, with 866 million transactions recorded during the same period.
Furthermore, the BNIdirect channel for the corporate segment recorded a transaction value of IDR8,080 trillion, growing 26.7% year-on-year, and a 14.8% increase in transaction volume to 1,061 million. This growth also strengthened sustainable fee-based income.
"Our aggressive digital transaction banking strategy is driving more sustainable CASA growth and consistent fee income. We see this as the beginning of a healthier and more sustainable recovery phase for our cost of funds," Abu explained.
Sustainable Financial Commitment
BNI also continues to strengthen its position as a pioneer in sustainable finance in Indonesia. Through the issuance of Sustainability Bonds, BNI channels financing to various environmentally friendly projects, including renewable energy and energy efficiency, as well as socio-economic financing for MSMEs.
BNI Risk Management Director David Pirzada explained that this step is proof of BNI's commitment to accelerating the transition to a green economy.
"All proceeds from the Sustainability Bond issuance will be allocated to green projects that meet environmental criteria. We want to ensure that the financing not only has an economic impact, but also a social and environmental impact," he said.
By the end of September 2025, BNI's sustainable portfolio will reach IDR 192.4 trillion, or 24% of total loans, consisting of socio-economic financing and green financing.
With these various initiatives, BNI recorded a consolidated net profit of IDR 15.12 trillion by the end of September 2025. This achievement demonstrates the effectiveness of its transformation strategy and BNI's ability to maintain long-term profitability through prudent governance.
"BNI will continue to strengthen its business fundamentals, expand its digital ecosystem, and become a driving force for sustainable finance in Indonesia," David concluded.