Maintain Liquidity, BNI Sets A Strategy To Balance Credit Growth And Risk
JAKARTA - PT Bank Negara Indonesia (Persero) Tbk (BNI) is taking conservative steps in lending amid the challenges of banking liquidity. This step is evidenced by a measurable expansion in lending in the first quarter of 2025, dominated by a high-quality corporate segment.
BNI Corporate Secretary Okki Rushartomo said, in the face of global uncertainty, BNI remains focused on improving credit quality and maintaining liquidity.
"BNI focuses on strengthening liquidity by balancing between credit growth and risk factors, this can be seen from the contribution of the quality corporate segment that dominates lending in the first quarter of this year," Okki said in a written statement, Wednesday, April 30.
In the first quarter of 2025, BNI recorded credit growth of 10.1 percent compared to the same period last year (YoY) to IDR 765.47 trillion. The corporate segment dominates BNI's credit portfolio of 56.6 percent and the consumer segment becomes the second largest contributor of 18.9 percent.
Meanwhile, from the medium and small segments, BNI's efforts are through the acquisition of loans that become the value chain from corporate customers and other existing customers.
In terms of collecting third party funds (DPK), digital transformation also supports an increase in low-cost funds. BNI recorded DPK growth of 5 percent to Rp. 819.58 trillion. The composition of DPK is dominated by solid savings growth of 10.2 percent and giro which grew 3.4 percent YoY.
This resulted in the composition of CASA BNI at the level of 70.5 percent, an increase compared to the end of 2024 at the level of 69.9 percent. Cost of funds or cost of funds in the first quarter of 2025 at the level of 2.75 percent on an annual basis and improved compared to the first quarter of 2024 at the level of 2.79 percent.
Baca juga:
The strategy of maintaining liquidity can be seen with a decrease in loan to deposit ratio (LDR) on a quarterly basis, from 96.1 percent in the fourth quarter of 2024 to 93.1 percent in the first quarter of this year. With this liquidity leniency, BNI will be able to grow credit according to the target set by continuing to maintain caution.
In terms of asset quality, the non-performing loan (NPL) ratio was maintained at the level of 2 percent and loan at risk (LAR) decreased to 10.9 percent from 13.3 percent in the first quarter of 2024. This quality improvement also resulted in savings in reserve expenses formed or credit costs from 1 percent to 0.9 percent which is also in line with BNI's aspiration target this year.