PT Bank Negara Indonesia (Persero) Tbk, or BNI, posted solid fundamental performance through the first half of 2026, amid liquidity challenges in the banking industry and a dynamic global geopolitical and economic landscape.
Healthy and well-diversified credit growth, a strong funding structure, maintained asset quality, and ongoing business transformation form the foundation of BNI’s efforts to generate quality growth and long-term value for all stakeholders.
BNI President Director Putrama Wahju Setyawan stated that the company continues to strengthen its business fundamentals through a growth strategy focused on quality, the reinforcement of core businesses, and continuous organizational and digital transformation.
“Amid an increasingly dynamic business environment, BNI is directing its resources toward sectors and ecosystems with strong growth prospects. This approach enables the company to maintain asset productivity while enhancing the relevance of its services for customers in every segment,” said Putrama.
According to Putrama, this business development strategy aligns with the SOE transformation agenda coordinated by Danantara Indonesia, which focuses on strengthening the company’s fundamentals, implementing professional governance, and creating sustainable value.
Digital Transformation and BRAVE Implementation Boost Business Productivity
Digital transformation and network strengthening are key drivers of productivity gains and business growth for BNI. By the end of June 2026, the number of *wondr by BNI* users had reached 15.1 million, with transaction volume growing by 110% year-on-year. Meanwhile, in the wholesale segment, the number of *BNIdirect* users reached 280,000, with transaction volume rising 17% year-on-year to IDR6,039 trillion. This growth reflects the increasingly widespread use of BNI’s digital channels by both retail and corporate customers.
In terms of the network, the BRAVE (Branch, Region & Area Value Empowerment) initiative has now been implemented across all of BNI’s operational regions. The program strengthens the role of branch offices as sales hubs, boosts network productivity, and optimizes business potential in every area.
Putrama stated that digital transformation and the implementation of BRAVE are part of BNI's long-term strategy to build an increasingly agile organization, strengthen business capabilities, and deliver services that meet customer needs.
"Through BRAVE, every region and branch office play an increasingly significant role in unlocking local economic potential and building a business ecosystem. The integration of network capabilities and digital solutions is expected to accelerate customer acquisition, expand transaction volumes, and enhance the quality of customer relationships," said Putrama.
Through the consistent implementation of business strategy strengthening, organizational transformation, and digitalization, BNI is optimistic about its ability to continue enhancing competitiveness while creating long-term value for stakeholders.
High-Quality and Balanced Credit Growth, Supported by Strong Funding
BNI Director of Finance & Strategy Hussein Paolo Kartadjoemena stated that as of the end of June 2026, BNI's loans grew by 24.4% year-on-year to IDR968.5 trillion.
This growth was supported by a loan portfolio that is increasingly diversified across various economic sectors and key business segments—ranging from corporate, mid-market, and MSME to consumer.
Credit expansion was carried out selectively, taking into account industry prospects and the risk profile of each borrower, in order to maintain a balance between business growth and portfolio quality.
This intermediation strategy has proceeded alongside the strengthening of the funding structure. Amidst continued tight liquidity competition, BNI’s CASA grew by 11.2% year-on-year, enabling the bank to maintain its CASA ratio at 65.4%. This achievement supported cost-of-funds efficiency; the cost of funds for third-party deposits improved to 2.56%, compared to 2.78% in the same period the previous year.
A robust funding structure served as a vital asset for BNI in maintaining competitiveness while supporting sustainable loan growth.
The strengthening of BNI's business fundamentals was also reflected in the growth of the Company's core income. Through the first half of 2026, net interest income (NII) grew by 14.2% year-on-year to IDR22.3 trillion.
During the same period, fee-based income (FBI) rose by 14.2% to IDR9 trillion.
The solid and balanced growth across both revenue streams drove pre-provision operating profit (PPOP) to IDR18.5 trillion—the highest figure in BNI's history for a first-half period. Meanwhile, the Company recorded a net profit of IDR10.8 trillion.
Paolo stated that this improved profitability demonstrates the increasingly solid and balanced contribution of BNI’s core business.
"Revenue growth stems not only from credit expansion but also from transaction growth, cash management solutions, digital services, and other fee-based activities. This diversification of revenue sources is crucial for maintaining the resilience of BNI's profitability across various economic cycle conditions," said Paolo.
Asset Quality Maintained, Supported by Prudent Risk Management
In tandem with business growth, the quality of BNI’s assets continues to demonstrate strong resilience. As of the end of June 2026, the Loan at Risk (LAR) ratio improved from 11.0% to 8.1%, while the Non-Performing Loan (NPL) ratio stood at 1.9%.
The Company also maintains a conservative provisioning policy as part of its risk management discipline. This policy strengthens balance sheet resilience while providing BNI with the flexibility to pursue healthy business expansion, all while upholding the principle of prudence.
BNI Risk Management Director David Pirzada stated that the maintained asset quality is the result of disciplined and consistent risk management implementation across all stages of the company's business processes.
"Risk management is carried out from the stage of determining priority sectors and analyzing borrower viability through to post-disbursement monitoring. BNI also continues to strengthen its early warning system so that any changes in risk profiles can be identified and addressed more swiftly," said David.
With healthy asset quality and adequate provisioning, BNI possesses a strong foundation to maintain business stability amidst economic dynamics while simultaneously supporting sustainable expansion.
Entering the second half of 2026, BNI will strengthen its funding structure, maintain quality and diversified loan growth, and uphold asset quality through disciplined risk management and provisioning.
BNI will also continue its BRAVE and digital transformation to boost productivity, strengthen business fundamentals, and generate healthy, sustainable growth, in alignment with the SOE transformation agenda under the coordination of Danantara Indonesia.