Up 10.5 Percent, BNI Credit Reaches IDR 812.2 Trillion

JAKARTA - PT Bank Negara Indonesia Tbk (BBNI) reported, until September 2025, BNI's total credit disbursement grew 10.5 percent yoy to Rp812.2 trillion.

BNI Finance & Strategy Director Hussein Paolo Kartadjoemena explained that the growth was evenly recorded in all business segments, reflecting a healthier and more balanced credit portfolio.

"BNI credit growth is now more balanced in all segments, both corporate, medium, and MSMEs. This shows the effectiveness of our financing strategy in maintaining asset quality as well as encouraging growth in the productive sector," said Paolo, Friday, October 24.

He detailed that corporate loans rose 12.4 percent yoy to IDR 450.7 trillion, supported by increased financing to private corporations, state-owned enterprises, and institutions. Meanwhile, medium segment loans grew 14.3 percent yoy, and non-KUR MSME loans increased 13.9 percent yoy to IDR 46.3 trillion, signaling BNI's commitment to strengthening the real sector and encouraging national economic independence.

"The consumer segment also showed positive performance with a growth of 9.6 percent yoy to Rp150.2 trillion, supported by mortgage financing, personal loans, and credit cards," Paolo continued.

Synergy with subsidiaries helped strengthen BNI's business ecosystem, as reflected in business credit growth at the group level which rose 15.3 percent yoy to Rp17.4 trillion.

In order to maintain the quality of bank assets and risk profiles to remain healthy, the company continues to strengthen its financial resilience through the establishment of solid and disciplined value reduction loss reserves (CKPN).

Until the end of the third quarter of 2025, BNI CKPN was recorded at IDR 34.7 trillion, with a ratio of coverage to non-performing loans or NPL coverage ratios reaching 222.7 percent.

The selective strengthening of reserves confirms BNI's commitment to anticipating potential credit risks and maintaining sustainable financial resilience.

"We continue to strengthen the quality of the credit portfolio and apply risk-based visioning to ensure long-term resilience," Paolo added.