PT Bank Negara Indonesia (Persero) Tbk or BNI has proven its ability to maintain Third Party Funds (DPK), one of which is from the middle to upper segment with a minimum fund placement of IDR 5 billion. DPK growth above IDR 5 billion until April 2025 reached 16% compared to the same period last year (YoY).
BNI Consumer Banking Director Corina Leya Karnalies said that the increase in funds and the number of customers for accounts above IDR 5 billion is inextricably linked to digital innovation and numerous financial services, particularly for Emerald customers.
"We appreciate the trust of customers who continue to trust BNI as a banking partner to manage customer assets with various services that facilitate financial transaction needs," said Corina in a press release.
Until April 2025, the number of customers with Asset Under Management (AUM) of more than IDR 5 billion increased by 15% YoY with DPK and AUM growth increasing by 16%. In addition to DPK, the increase in AUM also occurred in Investment and Bancassurance products which grew by 17% YoY.
"Observing the movement of customer portfolios, the composition of savings with a minimum AUM of IDR 5 billion has increased in portion from previously 36% to 39% of the total AUM," said Corina.
The factors driving the increase, Corina continued, include the development of savings product features. In addition, the Emerald welcome program with extra rewards of up to IDR26 million is an attraction for customers to place funds in BNI.
"In line with the digital era, BNI is currently continuing to make improvements through complete, fast and easy features and services through wondr by BNI," said Corina.
BNI's strategy in collecting DPK amidst tight liquidity in the banking industry includes strengthening Relationship Managers (RM) who are specifically dedicated to Emerald customers with a minimum AUM of IDR 1 billion.
Meanwhile, to retain customers with AUM of IDR 500 million to IDR 1 billion, BNI provides an upgrade program with attractive rewards.
"We believe that customers are valuable assets, therefore we prepare dedicated relationship managers to understand customer needs so that they can be served well," said Corina.
Customer base expansion is also a focus target for BNI this year. Through Emerald Acquisition RM, accelerating new customer growth is part of BNI's growth engine.
"We also have a special program, namely Rejeki wondr BNI which runs from April 2025 to January 2026. This program offers remarkable rewards such as Mercedes Benz E 300, Chery J6, All New Honda HRV and other special prizes that are no less interesting. To participate in the program, customers simply increase their savings balance and actively transact at wondr by BNI," she said.
Corina added, there are still many potentials and opportunities that can be developed in the future to maintain DPK. BNI is optimistic that this achievement will continue and contribute to the company's performance this year along with increasing customer trust in BNI Emerald.