PT Bank Negara Indonesia (Persero) Tbk or BNI closed its 2025 fiscal year with solid financial fundamentals amid adjustments to global monetary policy and increased economic volatility. Despite these external pressures, BNI was able to maintain solid and balanced credit growth on a consolidated basis, strengthen its funding structure, and record consistent improvements in asset quality.
By the end of 2025, BNI recorded credit growth of 15.9% year-on-year (YoY), supported by credit expansion to productive sectors. This growth was underpinned by an increasingly strong funding structure, reflected in a more solid low-cost funding (CASA) structure, thereby supporting funding cost efficiency amid market dynamics.
BNI President Director Putrama Wahju Setyawan said that this achievement reflects the resilience of BNI's business model, which has been built through fundamental strengthening, productivity, and continuous transformation.
“Throughout 2025, we faced significant external pressures, ranging from global volatility to interest rate adjustments. However, BNI was able to maintain healthy growth by focusing on strong funding, risk discipline, and credit expansion to productive sectors,” said Putrama.
Putrama emphasized that BNI's transformation not only focuses on strengthening technology, but also includes organizational strengthening and overall productivity improvement. These efforts are carried out through improving human resource capabilities, optimizing office networks and utilizing data analytics, as well as strengthening digital platforms to continuously improve service quality and customer experience.
As part of the national banking ecosystem, BNI also actively monitors macroeconomic developments and implements measured mitigation measures to ensure that strategic policies run optimally and support long-term sustainable growth.
As part of its digital transformation strategy, BNI continues to develop wondr by BNI as a personal transaction platform. By the end of 2025, the number of wondr by BNI users has exceeded 12 million, with a much higher transaction activity rate compared to the previous platform. This increase in customer engagement has contributed significantly to the growth of retail savings and the strengthening of CASA.
In addition, BNI has also improved its BNIdirect platform, which includes Cash Management, Trade Finance, Bank Guarantee, and Supply Chain Financing services for the corporate and business segments. Throughout 2025, BNIdirect recorded a growth in the number of users and transaction value of more than 25% YoY, which contributed directly to the strengthening of corporate current accounts.
Internationally, BNI strengthens its role as an orchestrator of Indonesian business to global markets through its international network in eight world financial centers, as well as strategic partnerships with more than 1,300 correspondent banks in 90 countries covering 16 currencies.
National Development Accelerator
BNI also affirms its role as a national bank with global capabilities and as an instrument of the state in supporting the national development agenda. In line with the government's priority programs and Asta Cita, BNI actively contributes to strategic sectors such as education, public health, food security, strengthening the rural economy, and the real sector, which are drivers of job creation and regional development.
This role is carried out through targeted financing, strengthening financial services, and utilizing digitalization to ensure that development policy implementation is effective and sustainable. In the Free Nutritious Meals Program (MBG), for example, BNI plays a role in channeling financing while supporting the digitalization of transactions through the use of Virtual Account and BNIdirect services, so that the program's operational processes run more efficiently, transparently, and in an integrated manner.
As part of the Sekolah Rakyat Program, BNI plays a strategic role as a bank that provides digital banking services for school management, including opening accounts for students and educators and strengthening the Agen46-based financial ecosystem. BNI also contributes to the development of villages, cooperatives, and MSMEs through financing for the development of the Merah Putih Village/Sub-Regency Cooperative (KDKMP), which is integrated with the Agen46 network, as well as strengthening support for the 3 Million Houses Program through the distribution of FLPP mortgages.
As for the placement of the Ministry of Finance's Budget Surplus (SAL) funds, BNI has channeled them into productive sectors while maintaining prudence. Examples include the manufacturing, trade, construction, agriculture, forestry, fisheries, and other sectors.
As a state-owned bank, BNI positions itself not only as an intermediary institution, but also as a strategic partner of the government in accelerating the national development agenda. We carry out our synergy in various government priority programs with a prudent, ecosystem-based approach that is oriented towards strengthening long-term economic fundamentals," Putrama emphasized.
Positive and Balanced Growth Performance
BNI Director of Finance & Strategy Hussein Paolo Kartadjoemena revealed that BNI's intermediation performance grew positively and was balanced overall. BNI recorded credit growth of 15.9% YoY throughout 2025, reflecting solid intermediation performance amid global economic challenges.
“A diversified credit growth strategy is key to maintaining portfolio quality amid the global economic slowdown,” said Paolo.
Paolo added that BNI's balance sheet management throughout 2025 was focused on balancing business growth, cost efficiency, and strong capitalization. The main focus was on strengthening CASA-based funding.
By the end of 2025, credit growth of 15.9% YoY was fully funded by low-cost funds with CASA growth of 28.9% YoY, supported by current account growth of 43.8% YoY and savings growth of 11.2% YoY. This healthy funding structure supports optimal liquidity management.
In terms of capital, the capital adequacy ratio (CAR) reached 20.7%, well above regulatory requirements, providing BNI with sufficient room to support future business expansion and anticipate risks.
Business acceleration momentum was particularly evident in the fourth quarter of 2025, when BNI posted Operating Income before Provisions (PPOP) of IDR9.4 trillion. This PPOP achievement was the highest compared to the previous three quarters. PPOP acceleration in the fourth quarter was supported by growth in net interest income (NII) and fee-based income (FBI).
Cumulatively in 2025, NII was recorded at IDR40.3 trillion, with loan yields depressed as a result of the decline in benchmark interest rates, while non-interest income grew 5.2% YoY to IDR24.6 trillion, driven by increased transaction activity through digital channels, treasury, trade finance, and increased branch productivity.
In terms of asset quality, BNI recorded continuous improvement as reflected in the decline in the non-performing loan (NPL) and Loan at Risk (LaR) ratios. Gross NPLs were recorded at 1.9%, an improvement of 10bps YoY, while Loans at Risk (LaR) were at 8.5%, an improvement of 1.8% YoY, reflecting an overall decline in credit risk exposure and a return to pre-pandemic conditions.
On the other hand, the NPL coverage ratio reached 205.5% and the LaR coverage ratio reached 46.9%, indicating a strong and prudent level of reserves in anticipation of potential future risk pressures.
“We continue to strengthen our underwriting processes, granular portfolio monitoring, and early handling of non-performing loans. The use of data analytics and early warning systems is key to maintaining asset quality,” explained Paolo.
With a combination of healthy credit growth, solid funding structure, and improved asset quality, BNI posted a consolidated net profit of IDR20.0 trillion throughout 2025.
Sustainability Commitment
In the meantime, BNI Risk Management Director David Pirzada said that BNI consistently implements strategic measures in all aspects of operations and financing to strengthen sustainability practices.
During 2025, BNI's sustainable financing portfolio reached IDR197 trillion, equivalent to 22% of BNI's total credit. This financing was channeled to various sectors, including renewable energy, natural resource management and land use, water and waste management, as well as the micro, small and medium enterprise (MSME) segment.
Going forward, BNI will continue to expand financing in priority green sectors, including renewable energy, environmentally friendly transportation, and sustainable natural resource management.
“Sustainability is not merely compliance with regulations, but has become the foundation of BNI's business strategy in creating long-term value for all stakeholders,” said David.
Sustainable finance initiatives, the application of Environmental, Social, and Governance (ESG) principles, and the implementation of Social and Environmental Responsibility (TJSL) have become an integral part of BNI's long-term strategy.
This commitment is reflected in the issuance of a IDR5 trillion Sustainability Bond in 2025 with an idAAA rating. BNI's Sustainability Bond Framework has also obtained a Second Party Opinion (SPO) from Sustainalytics with credible and impactful results, which confirms the quality and impact of BNI's sustainable financing in accordance with national and international standards.
In addition, as a form of support for the government's target to achieve Net Zero Emissions by 2060, BNI is also strengthening its commitment to sustainability through the issuance of Green Bonds worth IDR 5 trillion, which are allocated to support environmentally and socially conscious financing, as well as the distribution of Sustainability Linked Loans (SLL) to companies that have demonstrated improved sustainability performance.
In addition to financing, BNI also launched an ESG Advisory Playbook for the palm oil sub-sector as a transition guide for debtors, making BNI the first bank in Indonesia to compile and introduce such a playbook.
As a pioneer in green banking and an agent of development, BNI integrates sustainable finance principles into its corporate values, work culture, business strategies, and operational policies, while also playing an active role in promoting the national green transition through the use of the Indonesian Sustainable Finance Taxonomy (TKBI).