PT Bank Negara Indonesia (Persero) Tbk or BNI recorded a consistently maintained performance throughout the first semester of 2025 thru strategies to strengthen liquidity and continuously manage asset quality. The momentum of low-cost fund growth (CASA), reinforced by consistent digital transformation, serves as the foundation for increasing credit expansion capacity and the company's business growth.
BNI Deputy President Director Alexandra Askandar, stated that the company successfully strengthens its fundamental position amid macroeconomic stability and a smoothly running government transition.
"We see the strengthening of CASA and asset quality as the main pillars to enhance credit expansion capacity in the second semester. Our focus remains on productive sectors such as agriculture, food and beverage industry, telecommunications, infrastructure, housing, energy downstreaming, and MSMEs," said Alexandra, affectionately known as Xandra, in her written statement.
Until the end of the first semester of 2025, BNI's loan distribution grew by 7.1% year-on-year (YoY) to IDR778.7 trillion. Corporate loans grew by 10.4% YoY to IDR435.8 trillion, mainly from private corporations, state-owned enterprises (BUMN), and government institutions. Loans to the private sector and institutions increased by 11.1% YoY to IDR314.6 trillion, while loans to State-Owned Enterprises grew by 8.7% YoY to IDR121.2 trillion.
The consumer segment recorded 10.7% YoY growth to IDR147.0 trillion, driven by personal loans, which rose 11.7% YoY to IDR60.1 trillion, and mortgages, which increased 9.9% YoY to IDR68.4 trillion. Small-scale loans, specifically non-KUR MSME loans, have shown positive growth this year, growing 9.2% YoY to IDR44.4 trillion. Furthermore, commercial loans have also begun to show growth momentum, recording positive growth of 5.5%.
The growth of business loan for our subsidiaries also increased by 27.1% YoY to IDR17.2 trillion, reflecting the strengthening of group synergy. The expansion of hibank business, our subsidiary that focuses on financing the commercial and SME segments based on digital, was able to grow by 31% (Year on Year/YoY) with well-maintained asset quality, namely an NPL ratio below 1% and stable from last year.
As a result of credit acceleration in the low-risk segment, BNI's asset quality continues to improve, marked by a Non-Performing Loan (NPL) ratio improving to 1.9%, and Loan at Risk (LAR) also improving to 11.0%, allowing the Cost of Credit (CoC) to be maintained at the level of 1%.
In line with the strategy of strengthening fundamentals, BNI successfully recorded a consolidated net profit of IDR 10.1 trillion in the first half of 2025. This achievement reflects the resilience of BNI's business model in maintaining healthy profitability amidst efforts to strengthen portfolio quality and build a foundation for long-term growth.
Solid CASA Growth Drives Liquidity Strengthening
BNI recorded a 16.5% YoY growth in DPK to IDR900 trillion, dominated by an increase in low-cost funds (CASA) which grew 18.7% YoY to IDR647.6 trillion. The growth in current accounts by 25.1% YoY and savings by 10.5% YoY pushed the CASA ratio to 72.0%, up from 70.7% in the same period last year. This demonstrates our strategy to focus on building a long-term funding structure amidst fluctuating economic conditions.
BNI Finance & Strategy Director Hussein Paolo Kartadjoemena, explained that the solid growth of CASA reflects BNI's success in strengthening the foundation of its funding structure thru digitization and branch transformation. Since its launch in July 2024, wondr by BNI has recorded significant growth, from 1 million users to 8.6 million users as of June 2025, with transaction value increasing 16-fold to IDR649 trillion and the number of transactions reaching 702 million.
This reflects an increase in customer trust and comfort in transacting using wondr by BNI. The BNI mobile banking channel overall recorded transactions of IDR1,188 trillion, growing 68% YoY. Meanwhile, BNIdirect recorded a transaction value growth of 31.1% YoY to IDR5,246 trillion, and transaction volume increased by 22.1% to 717 million. Transactions from corporate clients contributed 78% of the total transaction value, growing 37% YoY.
Throughout the first semester of 2025, BNI also successfully maintained liquidity and capital ratios at healthy levels. The Loan to Deposit Ratio (LDR) stands at 86.2%, while the Loan to Cash Ratio (LCR) and Net Stable Funding Ratio (NSFR) each reach 144.2% and 143.0%, respectively. The Capital Adequacy Ratio (CAR) increased to 21.1%, strengthening the expansion capacity.
ESG Commitment and Sustainable Financing
Meanwhile, Risk Management Director David Pirzada stated that BNI continues to strengthen its role as an adaptive and globally competitive financial institution. "This is evident from the increase in the MSCI ESG (Environmental, Social, and Governance) rating from BBB to A, which reflects the integration of sustainability into our business strategy," he said.
As of June 2025, BNI has disbursed green financing amounting to IDR 74 trillion, with a growth of over 20% over the past four years. Meanwhile, the disbursement of Sustainability Linked Loans (SLL) reached USD 352 million or IDR 5.74 trillion.
As part of its commitment to sustainability principles, BNI aims to achieve operational Net Zero Emission (NZE) by 2028 and financing NZE by 2060. BNI also continues to encourage its debtors to adopt ESG practices.
"With a solid liquidity structure, aggressive digital transformation, and integrated sustainability commitment, BNI is ready to accelerate inclusive and sustainable growth in the next semester," concluded David.