Savings For Rich People Above IDR 5 Billion BNI Increases 16 Percent

JAKARTA - PT Bank Negara Indonesia (Persero) Tbk or BNI noted that the collection of Third Party Funds (DPK) above IDR 5 billion until April 2025 reached 16 percent compared to the same period last year (yoy).

Director of Consumer Banking BNI Corina Leya Karnalies said the increase in funds and the number of customers for accounts above Rp5 billion could not be separated from digital innovation and various financial services, especially for Emerald customers.

"We appreciate the trust of customers who continue to entrust BNI as a banking partner to manage customer assets with various services that facilitate the need for financial transactions," Corina said in a press release, Wednesday, May 28.

Until April 2025, the number of customers with Asset Under Management (AUM) was more than IDR 5 billion, up 15 percent yoy with growth in DPK and AUM increasing by 16 percent. In addition to the DPK, an increase in AUM also occurred in investment products and Bancassurance which grew 17 percent yoy.

"Observing customer portfolio movements, the composition of savings with AUM of at least IDR 5 billion has increased from 36 percent previously to 39 percent of the total AUM available," said Corina.

The factors that encourage this increase, continued Corina, are partly due to the development of the savings product feature. In addition, the Emerald welcome program with extra rewards of up to IDR 26 million is an attraction for customers to place funds in BNI.

"In line with the digital era, BNI is currently continuing to improve through complete, fast and easy features and services through wondr by BNI," said Corina.

BNI's strategy in collecting DPK is amidst the tight liquidity of the banking industry, including strengthening Relationship Manager (RM) which is dedicated specifically to Emerald customers with a minimum AUM of IDR 1 billion.

Meanwhile, to maintain customers with an AUM of IDR 500 million to IDR 1 billion, BNI provides an upgrade program with attractive rewards.

"We believe that customers are valuable assets, therefore we are preparing a _dedicated_ relationship manager to find out the customer's needs to be served properly," said Corina.

The expansion of customer-based is also the focus target of BNI this year. Through Emerald Acquisition RM, the acceleration of growth of new customers is part of the growth engine in BNI.

"We also have a special program, namely Rejeki wondr BNI which will take place from April 2025 to January 2026, this program provides special prizes in the form of Mercedes Benz E 300, Chery J6, All New Honda HRV and other special prizes that are no less interesting. To participate in the program, customers simply increase their savings balance and actively transact at wondr by BNI," he said.

Corina added that there are still many potentials and opportunities that can be developed in the future to maintain the DPK. BNI is optimistic that this achievement will continue and contribute to the company's performance this year in line with the increasing trust of customers in BNI Emerald.