JAKARTA - PT Bank Negara Indonesia (Persero) Tbk (BBNI) recorded a growth in third party funds (DPK) of 16.5 percent year on year (yoy) throughout the first half of 2025 to Rp900 trillion.
The BNI DPK is dominated by an increase in low-cost funds (CASA) which grew 18.7 percent yoy to Rp647.6 trillion.
"Giro account growth of 25.1 percent yoy and savings 10.5 percent yoy pushed CASA's ratio to 72.0 percent, up from 70.7 percent in the same period the previous year," said BNI Finance & Strategy Director Hussein Paolo Kartadjoemena, Friday, July 25.
He explained that CASA's solid growth reflects BNI's success in strengthening the foundations 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 the transaction value increasing 16 times to Rp649 trillion and the number of transactions reaching 702 million.
"This reflects the increasing trust and convenience of customers in transacting using wondr by BNI," he continued.
The BNI mobile banking channel as a whole recorded transactions of IDR 1,188 trillion or grew 68 percent yoy.
Meanwhile, BNIdirect recorded a 31.1 percent yoy transaction value growth to IDR 5,246 trillion, and transaction volume rose 22.1 percent to 717 million.
Transactions from corporate clients contributed 78 percent of the total transaction value, growing 37 percent yoy.
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Sepanjang semester I 2025 ini, BNI juga berhasil menjaga rasio likuiditas dan permodalan pada level yang sehat.
Loan to Deposit Ratio (LDR) berada di 86,2 persen, sementara Loan to Cash Ratio (LCR) dan Net Stable Funding Ratio (NSFR) masing-masing mencapai 144,2 persen dan 143,0 persen.
Capital Adequacy Ratio (CAR) meningkat menjadi 21,1 persen, memperkuat kapasitas ekspansi.
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Throughout the first semester of 2025, BNI has also succeeded in maintaining the liquidity and capital ratio 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) increased to 21.1 percent, strengthening expansion capacity.
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