PT Bank Negara Indonesia (Persero) Tbk or BNI continues to strengthen its funding structure and promote digitalization as a strategy to optimize the momentum of the monetary policy easing undertaken by Bank Indonesia. The reduction of the benchmark interest rate by 25 basis points to 5.25 percent is considered a significant opportunity for credit growth and national economic recovery.
Corporate Secretary of BNI, Okki Rushartomo, said that this monetary policy easing provides a great opportunity to encourage credit growth and expand financing access for the community and business actors.
"BNI is increasingly focused on optimizing the efficiency of its funding structure by strengthening transaction-based Current Account Saving Accounts (CASA). Digital channels are the main drivers in expanding CASA while keeping the cost of funds competitive amid the trend of low interest rates," said Okki.
This efficiency measure is accompanied by the distribution of credit to productive sectors thru a measured and selective approach. According to Okki, BNI continues to uphold the principle of prudence in credit distribution to maintain asset quality while simultaneously generating optimal and sustainable yields.
In addition to strengthening funding and credit distribution, BNI also encourages digital transformation to expand access to financing services. This digitization not only accelerates the credit process but also creates added value beyond interest income.
"Digitization not only reduces costs but also creates new value from the fee-based income side, thereby strengthening the overall revenue structure," he added.
With this strategy, BNI is optimistic about maintaining the stability of the Net Interest Margin (NIM) until the end of 2025. On the other hand, MSME actors and retail customers also benefit from easier, faster, and more efficient access to financing, in line with the spirit of BNI Accompanying Your Every Step.
BNI's strategic move demonstrates the company's commitment to supporting national economic growth thru the provision of inclusive, competitive, and sustainable financial solutions.