Supporting Economic Growth, BNI Consistently Encourages Credit Increase

Supporting Economic Growth, BNI Consistently Encourages Credit Increase

Jakarta, 3 September 2021 -- PT Bank Negara Indonesia (Persero) Tbk (BBNI) continues to strengthen its performance and business fundamentals as reflected in the performance of semester I-2021. BNI recorded healthy lending, dominated by prospective business sectors with low risk, especially in the Business Banking segment.

Until the end of June 2021, the company recorded a 3.5% growth in lending in the business banking segment, or Rp 475.6 trillion. Meanwhile, in the same period 2020, lending in the segment reached Rp 459.6 trillion. This was stated by BNI's President Director, Royke Tumilaar in a written explanation in Jakarta, Friday (3 September 2021).  Royke said that the highest growth was in the small business segment of 20.6 percent with debit balances reaching Rp. 91 trillion, compared to June 2020, which was Rp. 75.4 trillion. Then the next highest growth was followed by Corporate Private at 7.9% YoY with Debit Balance reaching Rp 179.1 trillion. Meanwhile, in the same period in 2020 it reached Rp 165.9 trillion. 

In addition to corporate loans, the Consumer Banking segment also recorded a growth of 10.4% YoY or reached Rp 92.8 trillion. Payroll-based Unsecured Loans recorded a growth of 19.6% to Rp 32.7 trillion compared to the same period in 2020. 
It is followed by Home Ownership Loans which grew 6.3% to Rp 47.6 trillion compared to last year. The growth of consumer credit can also indicate that public consumption is starting to be enthusiastic which supports the growth of National GDP.

This business growth has also made BNI in Semester I - 2021 record a net profit of Rp 5 trillion, or a growth of 12.8% compared to the same period in 2020. The reserves are continuously strengthened to 215.3% as an anticipation in dealing with potential credit risk in the future. 

The company also recorded a Pre-Provisioning Operating Profit (PPOP) which continued to grow, and in Semester I-2021 it reached its peak with 24.4% growth to Rp. 16.1 trillion compared to Semester I-2020. This solid performance was also supported by the growth of Net Interest Income (NII) of 18.2% YoY to Rp 19.3 trillion compared to June 2020. This was the impact of BNI's loan growth of 4.5% to Rp 569.7 trillion in June 2021. The PPOP was also supported by non-interest income of Rp 6.8 trillion or grew by 19.2% YoY. This growth was contributed by Fee Based Income (FBI) from Account Management and Debit Cards, ATMs, and electronic service channels, Trade Finance, and Marketable Securities. 

Besides being active in the domestic banking industry, BNI is also mandated to focus on becoming a bank with superior international capabilities. The company's international business also contributes to the company's revenue. 

BNI noted that FBI sourced from registered securities grew 115.4% YoY in June 2021 and reached Rp 1 trillion. Likewise, the FBI, which sourced from Trade Finance services, reached Rp 732 billion, and grew 20.4% YoY compared to June 2020. 

Transactional Banking

Meanwhile, BNI’s Institutional Relations Director, Sis Apik Wijayanto said, BNI is committed to increasing the strengthening of the transactional banking business so that customers can conduct financial transactions more effectively, efficiently, and able to increase productivity. BNI has 3 (three) innovations to strengthen the transactional banking business in the future.

First, Online Bank Guarantee which allows customers to apply for a Bank Guarantee while monitoring the process up to the completion of transactions through the BNIDirect platform. Second, Financing Solutions through the Financial Supply Chain Management platform to facilitate customers in conducting supply chain transactions with vendors and suppliers. Then third, Open banking solution in the form of API (Application Programming Interface) or API Corporates that can integrate customer system applications with BNI transactional services.

Even though it is still a pandemic, YoY recorded an increase of 16.4% for transactional banking service users, from 58.6 thousand users in June 2020 to 68.2 thousand users in June 2021. The FBI trend from the transactional banking business was on a YoY basis until Semester I - 2021 increased by 37.9% with the Rupiah equivalent transaction volume growing 11% YoY, thus making the average current account balance grow 8.6%. BNI believes that the trend of income from the transactional business will continue to increase solidly in line with market conditions that are starting to improve with economic growth and a positive ecosystem.

BNI continues to modernize transactional infrastructure by building an integrated platform on the BNIDirect Cash Management System and enriching features including Online Bank Guarantee, FSCM Platform, BNI Trade Online, Virtual Account and integrated digital solutions in the form of API corporates. 

Currently, there are more than 283 types of API Corporates that are used by more than 4,000 partners of SOEs ministries institutions and multinational companies. BNI is optimistic that the transactional banking services business and its solutions, especially those designed for corporate institutions, can optimally contribute to BNI's total fee-based income by the end of 2021.

For more information, please contact:
BNI Corporate Secretary 
Phone: 021-5728387


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