BNI Holds AGM, Strengthen Transformation and Governance to Face 2026

The second agenda of the RUPSLB is to provide approval for the delegation of authority related to the preparation and approval of the Company's Work Plan and Budget (RKAP) 2026. (IST)

JAKARTA - PT Bank Negara Indonesia (Persero) Tbk or BNI held an Extraordinary General Meeting of Shareholders (RUPSLB) on December 15, 2025 to strengthen the direction of policy, governance structure, and the readiness of the Company to face the 2026 fiscal year. The meeting is part of an adjustment to the dynamics of regulation as well as strengthening the foundation for BNI's medium-term transformation.

The RUPSLB which was held online was chaired by BNI President Commissioner Omar Sjawaldy Anwar and was attended by the Board of Commissioners and the Board of Directors, including BNI President Director Putrama Wahju Setyawan.

Putrama explained that all decisions taken at the AGM were strategic steps to ensure the Company's governance remained in line with regulatory changes and supported the smooth execution of business strategies going forward.

"This RUPSLB ensures that all aspects of BNI's governance remain in line with regulatory developments and support the operational readiness of the Company in implementing its business strategy in the coming year," said Putrama in a written statement.

In the first agenda, shareholders approved changes to the Company's Articles of Association, including adjustments to governance supervision by the Operational Holding in accordance with the BUMN Law mandate issued in 2025.

The change is a follow-up to the request of the State-Owned Enterprise Regulatory Agency (BP BUMN) as the Holder of Series A Dwiwarna Shares, as stated in Letter Number 23/BPU/10/2025 dated October 28, 2025.

The second agenda of the AGM was to approve the delegation of authority related to the preparation and approval of the Company's Work Plan and Budget (RKAP) 2026. This step is intended to accelerate the planning process and ensure the operational readiness of the Company to enter the next fiscal year.

Furthermore, shareholders also approved the results of the revision of the Recovery Plan 2025/2026 as part of fulfilling regulatory provisions and strengthening the planning of BNI's operational sustainability.

At the last agenda, the GMS approved the dismissal of Suminto as a member of the BNI Board of Commissioners in line with his assignment as a member of the Deposit Insurance Corporation (LPS) Board of Commissioners ex-officio of the Ministry of Finance since October 2025.

"Mr. Suminto's term as Commissioner of the Company ends as of October 8, 2025 and the confirmation of his dismissal is stipulated in this Extraordinary GMS," said Putrama.

In connection with the dismissal, the GMS of the Company further approved the appointment of Febrio Nathan Kacaribu as a Commissioner of the Company to replace Suminto. Febrio currently serves as the Director General of Economic and Fiscal Strategy (DJSEF) of the Ministry of Finance (Kemenkeu).

English:

Solid Financial Performance

BNI closed the third quarter of 2025 with solid financial performance amid global economic dynamics, supported by strengthening fundamentals, funding efficiency, and sustainable digital transformation.

As of the end of September 2025, BNI's credit distribution reached IDR 812 trillion, growing 10.5% year-on-year (year-on-year/YoY) with more balanced and healthy credit growth in all business segments.

Corporate loans grew 12.4% YoY to IDR 451 trillion, while the medium and SME non-KUR segments increased 14.3% YoY to IDR 120 trillion and 13.9% YoY to IDR 46 trillion, respectively. The consumer segment also recorded growth of 9.6% YoY to IDR 150.2 trillion, driven by an increase in demand for mortgages, personal loans, and credit cards. At the group level, the subsidiary's business loans grew 15.3% YoY to IDR 17.4 trillion.

On the funding side, cheap funds (CASA) grew 13.3% YoY to IDR 613.4 trillion which was supported by solid growth in Giro of 14.0% YoY and Savings of 12.6% YoY. Meanwhile, deposit growth reached 40.4% YoY to IDR 320.9 trillion including the factor of the injection of liquidity from the Budget Surplus Balance (SAL) funds from the Ministry of Finance. Total Third Party Funds (DPK) grew by 21.4% YoY to IDR 934.3 trillion at the end of September 2025.

Digital transformation continues to be the main driver of performance. The mobile banking application wondr by BNI recorded 10.5 million users with 866 million transactions worth Rp. 783 trillion, significantly increased compared to the previous year.

Meanwhile, the BNIdirect platform in the wholesale banking segment recorded a transaction value of IDR 8,080 trillion, growing 26.7% YoY with a volume of more than one billion transactions.

"We are optimistic that this strengthening of governance and sustainable transformation will further strengthen BNI's position as a healthy, competitive bank, and able to provide long-term added value for all stakeholders," concluded Putrama.

With the strengthening of governance through the AGM and solid financial performance, BNI confirms the Company's readiness to face the 2026 business challenges. The adjustments to the structure and policies are expected to maintain the continuity of growth, improve the Company's resilience, and strengthen the confidence of shareholders and stakeholders in the midst of the dynamics of the national and global banking industry. (ADV)