JAKARTA - PT Bank Negara Indonesia (Persero) Tbk (BBNI) recorded consolidated net profit of IDR 20.04 trillion throughout 2025.
This figure decreased compared to the previous year's achievement which was recorded at Rp21.4 trillion.
BNI Finance & Strategy Director Hussein Paolo Kartadjoemena revealed that BNI's intermediation performance grew positively and balanced overall.
"BNI recorded credit growth of 15.9 percent year-on-year throughout 2025, reflecting a solid intermediation performance amid global economic challenges," he said, Tuesday, February 3.
He continued, the strategy of diversified credit growth is the key to maintaining portfolio quality amid the global economic slowdown.
Paolo added that the management of BNI's balance sheet throughout 2025 is focused on the balance between business growth, cost efficiency of funds, and strong capital.
The main focus is directed at strengthening CASA-based funding.
Until the end of 2025, credit growth of 15.9 percent year-on-year was fully funded by cheap funds with CASA growth of 28.9 percent year-on-year, supported by a growth in current accounts of 43.8 percent year-on-year and savings which recorded a growth of 11.2 percent year-on-year.
The healthy funding structure supports optimal liquidity management.
In terms of capital, the capital adequacy ratio (CAR) reached 20.7 percent, far above the regulator's provisions, thus providing adequate room for BNI to support future business expansion and anticipate risks.
The momentum of business acceleration was seen especially in the fourth quarter of 2025 where BNI managed to record Operating Income before Provision (PPOP) of IDR 9.4 trillion.
This PPOP achievement is the highest compared to the previous three quarters. The acceleration of PPOP in the fourth quarter was supported by the growth of net interest income (NII) and fee based income (FBI).
Cumulatively in 2025, NII was booked at IDR 40.3 trillion, with a depressed loan yield as an impact of a decline in benchmark interest rates, while non-interest income grew 5.2 percent year-on-year to IDR 24.6 trillion, driven by increased transaction activity through digital channels, treasury, trade finance, and increased branch productivity.
In terms of asset quality, BNI recorded continuous improvement reflected by a decrease in the non-performing loan (NPL) and Loan at Risk (LaR) ratios.
Gross NPL was recorded at 1.9 percent or improved by 10 bps yoy, while Loan at Risk (LaR) was 8.5 percent or improved by 1.8 percent yoy, reflecting a reduction in overall credit risk exposure and has returned to pre-pandemic conditions.
On the other hand, the NPL coverage ratio reached 205.5 percent and the LaR coverage ratio reached 46.9 percent, indicating a strong and prudent level of reserves in anticipation of potential future risk pressures.
"We continue to strengthen the underwriting process, granular portfolio monitoring, and early handling of problematic loans. The use of data analytics and early warning systems is key to keeping asset quality under control," said Paolo.
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