PT Bank Negara Indonesia (Persero) Tbk or BNI recorded a positive performance in the wealth management business line in the first quarter of 2025. Significant growth occurred in various indicators, including an increase in premium customer savings funds by 16% on an annual basis (YoY), as well as an increase in the number of Emerald and Private segment customers by 10% YoY.
In terms of investment, the value of Asset Under Management (AUM) for BNI investment products grew 18% YoY. The biggest increase was contributed by bond products which increased 26% compared to the same period last year. In addition, Off Balance Sheet AUM recorded a growth of 17% YoY.
BNI Wealth Management SEVP, Steven Suryana explained, this growth is proof of customer trust in the exclusive BNI Emerald and Private services which continue to be strengthened through a personal and innovative approach.
“Customer interest in BNI Emerald Wealth Management services continues to show a positive trend. This is proof of their trust in exclusive products and programs designed according to customer needs, as well as attracting new prospective customers who are eager to get premium financial services,” Steven said in his written statement.
BNI offers complete wealth management services, ranging from Savings, Current Accounts, Deposits, to capital market products such as state and corporate bonds, mutual funds, stock referrals, as well as structured and derivative products such as DepoSwap and FX Swap.
In its expansion strategy, BNI is also targeting the next generation of premium customers with an approach that is more relevant to today's lifestyle. Exclusive programs that carry the theme of sports, music, entrepreneurship, and education are ways for BNI to establish a more personal relationship with potential customers.
“BNI continues to present various product innovations, such as Bonds Collateral Credit for productive needs, and BNI Instant for individual consumption. We also provide special rates for forex transactions as well as property and vehicle financing,” Steven continued.
The majority of premium customer funds are still placed in Savings and Deposit products, while in terms of investment, the dominant preference is for products that provide fixed coupons such as bonds, which helped drive the increase in investment AUM.
Currently, BNI's Emerald segment serves customers with AUM starting from IDR 1 billion, while Private Banking is intended for customers with AUM above IDR 15 billion. Going forward, BNI will also encourage customers with AUM of IDR500 million-IDR1 billion to upgrade to the Emerald segment, while expanding the customer base through connections with Business Banking customers, merchant partners, and investment programs that are in line with today's lifestyle.
“With a structured expansion strategy and increasingly open market opportunities, we are optimistic that we can record significant growth this year. Our commitment is to continue to innovate and expand the range of services to answer the evolving needs of our customers,” Steven concluded.