JAKARTA - PT Bank Negara Indonesia (Persero) Tbk (BBNI) posted a net profit of IDR 5.38 trillion during the first quarter of 2025. The company also recorded an increase in operating income of 2.8 percent to IDR 15.25 trillion.
This profit growth was also supported by credit growth and savings of 10.1 percent and 10.2 percent respectively (yoy) in the first quarter of 2025.
BNI Finance & Strategy Director Hussein Paolo Kartadjoemena said, amid the dynamics and challenges of global uncertainty, the company managed to record solid financial performance along with prudent business growth.
"The achievement of BNI's financial performance in the first quarter of 2025 reflects healthy credit growth and the success of digital transformation which also supports increasing savings," Paolo said in his statement in Jakarta, Monday, April 28, 2025.
He detailed that total lending as of March 2025 reached IDR 765.47 trillion, driven by the corporate segment which grew 16 percent yoy to IDR 433.4 trillion.
In it, financing to the private sector and institutions rose 17 percent to Rp317.1 trillion, while credit to State-Owned Enterprises (BUMN) increased 13.3 percent to Rp116.3 trillion.
The consumer segment became the second largest contributor after the corporation with a growth of 13 percent yoy to Rp144.9 trillion.
The highest growth came from personal loans, which increased by 13.7 percent and home ownership loans (KPR) grew 12.5 percent on an annual basis.
In the middle segment of credit, credit growth is supported from commercial loans which increased 2.6 percent yoy. Meanwhile, in the small segment, it was recorded that non-Public Business Credit (KUR) financing growth was 6.1 percent yoy.
Overall, BNI's credit composition was dominated by the corporate segment by 56.6 percent of total financing, followed by the consumer segment 18.9 percent, loans to the medium and small segments respectively 12.6 percent and 9.6 percent. Meanwhile, the contribution of financing from subsidiaries increased from 1.6 percent to 2.2 percent.
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"BNI credit growth on a consolidated basis in the first quarter of 2025 is in line with the targets set so far this year," Paolo continued.
In terms of asset quality, the non-performing loan (NPL) ratio was maintained at the level of 2 percent and loan at risk fell to 10.9 percent from 13.3 percent in the first quarter of 2024.
This improvement in quality also resulted in saving absorption burdens formed or credit costs from 1 percent to 0.9 percent, in line with BNI's aspiration target this year.
Healthy credit growth was also supported by an increase in BNI's third party funds (DPK) by 5 percent yoy to Rp819.6 trillion. Where the highest growth came from collecting low-cost funds or Current Account Saving Account (CASA) of 6.3 percent, especially in savings products which grew solidly by 10.2 percent yoy to Rp257.8 trillion and demand grew 3.4 percent yoy to Rp320 trillion.
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