JAKARTA - PT Bank Negara Indonesia Tbk (BBNI) recorded a profit of IDR 15.12 trillion during the third quarter of 2025. This number decreased by 7.97 percent from the same period the previous year which was recorded at IDR 16.43 trillion.
President Director of BNI Putrama Wahju Setyawan said that the strategy to strengthen the quality of the portfolio and the efficiency of disciplined funding made BNI remain resilient in facing volatility, while maintaining a balance of growth in all business segments.
"This success shows BNI's ability to remain adaptive in facing challenges, while continuing to encourage inclusive and sustainable growth," said Putrama in a written statement, Friday, October 24.
Meanwhile, interest income was recorded at IDR 51.16 trillion as of September 2025. Meanwhile, interest expense was recorded at IDR 21.91 trillion. Thus, BBNI's net interest income was recorded at IDR 29.25 trillion.
BNI also noted a solid capital ratio, with the Capital Adequacy Ratio (CAR) reaching 21.1 percent, including the strong Tier-1 Capital.
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Liquidity is also at a safe level with a Loan to Deposit Ratio (LDR) of 86.9 percent, a Liquidity Coverage Ratio (LCR) of 167.4 percent, and a Net Stable Funding Ratio (NSFR) of 142.1 percent.
The quality of assets is also maintained. The gross credit ratio (NPL) is in the range of 2.0 percent, while Loan at Risk (LAR) is improving to the level of 10.4 percent.
"This achievement reflects BNI's success in maintaining asset quality through the implementation of strong risk management and a healthy and prudent business expansion strategy," said Putrama.
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