JAKARTA - PT Bank Negara Indonesia (Persero) Tbk or BNI recorded maintained performance throughout the first semester of 2025 through a strategy to strengthen liquidity and maintain asset quality continuously. The momentum of growth of low-cost funds (CASA), strengthened by the consistency of digital transformation, became the foundation in increasing credit expansion capacity and the company's business growth.
Deputy President Director of BNI Alexandra Askandar said that the company has succeeded in strengthening its fundamental position in the midst of macroeconomic stability and a well-run government transition.
"We see the strengthening of CASA and asset quality as the main pillar to strengthen credit expansion capacity in the second half. Our focus remains on the productive sector such as agriculture, the food and beverage industry, telecommunications, infrastructure, housing, downstream energy, and MSMEs," said Alexandra, who is familiarly called Xandra in a written statement, Friday, July 25.
Until the end of the first semester of 2025, BNI's lending grew 7.1 percent on an annual basis (Year on Year/YoY) to IDR 778.7 trillion. Corporate loans grew 10.4 percent YoY to IDR 435.8 trillion, mainly from private corporations, state-owned enterprises, and government institutions. Credit to the private sector and institutions rose 11.1 percent YoY to IDR 314.6 trillion, while credit to BUMN grew 8.7 percent YoY to IDR 121.2 trillion.
The consumer segment recorded growth of 10.7 percent YoY to IDR 147.0 trillion, driven by personal loans which rose 11.7 percent YoY to IDR 60.1 trillion and KPR which increased 9.9 percent YoY to IDR 68.4 trillion. Small segment loans, namely non-KUR MSMEs, have shown positive growth this year, which grew 9.2 percent YoY to IDR 44.4 trillion. In addition, commercial segment loans have also begun to show growth momentum by recording positive growth of 5.5 percent.
Business credit growth in subsidiaries also increased 27.1 percent YoY to IDR 17.2 trillion, reflecting the strengthening of group synergies. The expansion of the Hibank business, our subsidiary that focuses on financing the digital-based commercial & SME segment, is able to grow 31 percent (Year on Year / YoY) with well-maintained asset quality, namely NPL ratio below 1 percent and stable from last year.
As a result of credit acceleration in the low-risk segment, BNI's asset quality continues to improve, marked by the ratio of non-performing loans (NPL) improving to 1.9 percent, and Loan at Risk (LAR) also improving to 11.0 percent, so that Cost of Credit (CoC) can be maintained at the level of 1 percent.
In line with this fundamental strengthening strategy, BNI managed to record a consolidated net profit of IDR 10.1 trillion in the first semester of 2025. This achievement reflects the toughness of BNI's business model in maintaining healthy profitability in the midst of efforts to strengthen portfolio quality and build long-term growth foundations.
BNI recorded DPK growth of 16.5 percent YoY to Rp900 trillion, dominated by an increase in low-cost funds (CASA) which grew 18.7 percent YoY to Rp647.6 trillion. The growth of the giro account by 25.1 percent YoY and savings by 10.5 percent YoY pushed the increase in CASA ratio to 72.0 or an increase from 70.7 percent in the same period the previous year. This shows our strategy to focus on building long-term funding structures amid fluctuations in economic conditions.
BNI Finance & Strategy Director Hussein Paolo Kartadjoemena explained that CASA's solid growth reflects BNI's success in strengthening the foundation of the funding structure through digitalization and branch transformation. Since its launch in July 2024, wondr by BNI has recorded a significant increase, from 1 million users to 8.6 million users as of June 2025, with transaction value up 16 times to IDR 649 trillion and the number of transactions reaching 702 million.
This reflects the increased trust and convenience of customers in transactions using wondr by BNI. The BNI mobile banking channel as a whole recorded transactions of IDR 1,188 trillion or grew 68 percent YoY. Meanwhile, BNIdirect recorded a transaction value growth of 31.1 percent YoY to IDR 5,246 trillion, and transaction volume rose 22.1 percent to 717 million. Transactions from corporate clients account for 78 percent of the total transaction value, growing 37 percent YoY.
Throughout the first semester of 2025, BNI has also succeeded in maintaining liquidity and capital ratios at a healthy level. Loan to Deposit Ratio (LDR) is at 86.2 percent, while Loan to Cash Ratio (LCR) and Net Stable Funding Ratio (NSFR) each reach 144.2 percent and 143.0 percent Capital Adequacy Ratio (CAR) increase to 21.1 percent, strengthening expansion capacity.
Meanwhile, Director of Risk Management David Pirzada said, BNI continues to strengthen its role as an adaptive and global competitive financial institution. "This can be seen from the increase in the ranking of ESG (Environmental, Social, and Governance) from BBB to A which reflects the integration of sustainability in business strategies," he said.
As of June 2025, BNI has distributed green financing worth IDR 74 trillion, with growth of more than 20 percent over the last four years. Meanwhile, the distribution of the Sustainability Linked Loan (SLL) reached 352 million US dollars or IDR 5.74 trillion.
As part of the commitment to sustainability principles, BNI targets operational Net Zero Emission (NZE) achievements in 2028 and NZE financing by 2060. BNI also continues to encourage debtors to adopt the ESG practice.
"With a solid liquidity structure, aggressive digital transformation, and integrated sustainability commitment, BNI is ready to accelerate inclusive and sustainable growth in the next semester," concluded David.
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