Commemorating eight decades of service to the nation, PT Bank Negara Indonesia (Persero) Tbk (BNI) continues to strengthen its role as the nation's first state-owned national bank through ongoing transformation. In line with the 80th anniversary theme of "Swadharma Bhakti Nagara," this initiative lays the foundation for the company's continued solid performance.
BNI Finance & Strategy Director Hussein Paolo Kartadjoemena said that BNI's transformation is aimed at strengthening the company's performance and competitiveness in capturing new growth opportunities, in line with Danantara Indonesia's strengthening of SOE governance, which focuses on long-term value creation.
"The transformation we are undertaking is not only aimed at improving business performance but also strengthening the company's ability to face change and seize growth opportunities. With stronger fundamentals, BNI can make a greater contribution to its customers, society, and the national economy," Paolo said in a written statement.
BNI is implementing a comprehensive transformation across various business lines, from strengthening digital capabilities, increasing organizational productivity, optimizing service networks, to strengthening risk management. This strategy is aimed at creating healthier and more sustainable growth.
On the digital front, BNI continues to develop wondr by BNI, its digital retail services platform. By the end of 2025, the platform had been used by more than 12 million customers. Increased transaction activity on wondr by BNI has also supported the growth of retail savings and strengthened the company's low-cost funds.
As for the wholesale banking segment, BNI is strengthening BNIdirect, which provides cash management, trade finance, bank guarantees, and supply chain financing services to business customers. Throughout 2025, the number of BNIdirect users and the value of transactions grew by more than 25% annually, contributing to an increase in corporate checking accounts and the quality of business transaction services.
The results of this transformation were reflected in the company's financial performance throughout 2025. BNI posted a net profit of IDR20 trillion. At the same time, asset quality continued to improve, with the gross non-performing loan (NPL) ratio decreasing to 1.9% and the loan at risk (LaR) ratio improving to 8.5%.
The positive momentum continued into 2026. As of the end of May 2026, BNI recorded total assets of IDR1,365.36 trillion and third-party funds (DPK) of IDR1,063.92 trillion. The company also posted a net profit of IDR9.05 trillion, with a consistently strong capital position, reflected in total equity of IDR160.99 trillion.
Paolo said that the increasingly strong business foundation is an important asset for BNI to continue creating value for shareholders, customers, the community, and the national economy.
"We believe that a healthy and growing company will be able to provide greater benefits to shareholders, support the national development agenda, and contribute to Indonesia's long-term economic growth," said Paolo.
Danantara's presence is expected to further strengthen the efforts of state-owned enterprises, including BNI, in creating long-term value through integrated investment management, increased productivity, and strengthened corporate competitiveness.
Moving forward, BNI will continue to pursue its transformation agenda to strengthen its competitiveness and increase its contribution to the national economy, in line with the spirit of “Continuing to Serve, to Continue Serving.” In line with the direction of strengthening governance and creating value for state-owned enterprises through Danantara, the company is optimistic that it can continue to strengthen its performance, expand its contribution to national development, and create sustainable benefits for shareholders, the community, and the country.