PT Bank Negara Indonesia (Persero) Tbk or BNI recorded a number of achievements in supporting Indonesia's economic growth throughout 2024. Expansion in the corporate and consumer segments, as well as strengthening the global network are part of BNI's contribution to the country.
BNI President Director Royke Tumilaar said, 2024 was a crucial milestone for BNI to jump higher amid the challenging global economic dynamics.
“In the midst of challenging global economic conditions, BNI managed to close 2024 by maintaining performance growth supported by aggressive expansion in the corporate and consumer sectors. We are optimistic that we can maintain performance growth in the future,” Royke said in a press release, Thursday (2/1/2025).
In the consumer segment, BNI was able to score 14.6% Year on Year (YoY) credit growth until September 2024, supported by Personal Loan, Home Ownership Loan (KPR), and credit card. Meanwhile, corporate segment credit rose 15.1% YoY with the largest contribution to growth coming from state-owned companies. However, blue chip private corporations still dominated BNI's credit portfolio. Some top tier clients from the private sector included Indofood Group and Sinar Mas.
In terms of Third-Party Funds (DPK), the presence of the latest mobile banking application wondr by BNI launched on July 5, 2024, has been able to increase retail fund transactions this year which is different from previous years. Users of wondr by BNI have reached more than 5 million with an active rate 2 times more than BNI Mobile Banking.
“wondr by BNI, which was born from the dedication of BNI's young people at Innovation Hub Sarinah, has contributed to the improvement of our low-cost fund structure which is increasingly dominated by retail segment transactions,” said Royke.
Not only that, BNI also increases the digital banking capacity for the corporate and business segments through BNIdirect. The latest version of BNIdirect was relaunched on October 9, 2024 to coincide with the annual investment forum BNI Investor Daily Summit. The investment forum successfully presented Joko Widodo as the President of Indonesia at that time and Prabowo Subianto as the President-elect.
“BNI is ready to collaborate in the digital era which requires banks to continue to innovate, presenting more relevant features. Our innovation is not just following the trend but also pioneering it,” said Royke.
BNI's digital banking progress has also been applied through increasingly modern branch office services. BNI has pioneered the presence of Banking Cafe services which began in 2022 and until now has been in 22 locations in Indonesia. BNI Banking Cafe packages banking branch office services to be more relaxed by collaborating with a number of coffee stores, half of which are located in Indonesian universities and colleges.
Royke added, a number of achievements were not only made domestically but also strengthening networks overseas. On September 5, 2024, BNI opened the Sydney Overseas Office, as well as the 9th network and confirmed BNI as a global bank that represents Indonesia in the world. A month later, BNI moved the first Overseas Office in Singapore to a strategic business center by obtaining the naming rights of a building to become BNI Tower in Raffles Place, not far from the Singapore icon, Marina Bay Sands.
“BNI will continue to strengthen its role as an orchestrator of Indonesian businesses to the global market through network expansion and strengthening international business capabilities,” Royke concluded.