BNI Strengthens Liquidity and Asset Quality to Power First-Half 2025 Performance
Main Takeaways
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JAKARTA, Investortrust.id – PT Bank Negara Indonesia (Persero) Tbk, or BNI (BBNI), maintained resilient performance in the first half of 2025 by reinforcing liquidity and sustaining asset quality amid stable macroeconomic conditions and a smooth political transition.
The bank’s strong growth in low-cost funding (CASA), driven by consistent digital transformation, formed the backbone of its credit expansion and business development.
Vice President Director Alexandra Askandar said BNI has strengthened its fundamentals while focusing on productive sectors including agriculture, food and beverages, telecommunications, infrastructure, housing, energy downstreaming, and micro, small, and medium enterprises (MSMEs).
“We view CASA growth and asset quality as the key pillars supporting credit expansion in the second half. Our focus remains on productive lending,” Alexandra, known as Xandra, said in a written statement on Friday, July 25, 2025.
Solid Loan Growth Across Segments
BNI’s loan disbursement grew 7.1% year-on-year (YoY) to Rp778.7 trillion ($48.3 billion) by the end of June 2025. Corporate loans rose 10.4% YoY to Rp435.8 trillion ($27 billion), supported by demand from private companies, state-owned enterprises (SOEs), and government institutions. Loans to the private and institutional segment increased 11.1% YoY to Rp314.6 trillion ($19.5 billion), while loans to SOEs rose 8.7% YoY to Rp121.2 trillion ($7.5 billion).
The consumer segment also posted strong growth, up 10.7% YoY to Rp147 trillion ($9.1 billion), with personal loans increasing 11.7% to Rp60.1 trillion ($3.7 billion) and mortgages (KPR) rising 9.9% to Rp68.4 trillion ($4.2 billion). Non-KUR MSME loans advanced 9.2% to Rp44.4 trillion ($2.75 billion), while commercial loans began to regain momentum with 5.5% growth.
Lending at BNI’s subsidiaries rose 27.1% YoY to Rp17.2 trillion ($1.07 billion), supported by its digital SME-focused unit, Hibank, which recorded 31% growth with a non-performing loan (NPL) ratio below 1%.
Asset quality improved significantly, with BNI’s NPL ratio declining to 1.9% and Loan at Risk (LAR) improving to 11.0%, keeping the cost of credit (CoC) at 1%.
These improvements contributed to BNI’s consolidated net profit of Rp10.1 trillion ($627 million) in H1 2025, underscoring the bank’s ability to maintain healthy profitability while laying a solid foundation for long-term growth.
Digital-Driven CASA Growth Strengthens Liquidity
BNI’s total third-party funds (DPK) grew 16.5% YoY to Rp900 trillion ($55.9 billion), led by an 18.7% YoY increase in CASA to Rp647.6 trillion ($40.2 billion). Current accounts surged 25.1% and savings grew 10.5%, pushing the CASA ratio up to 72.0% from 70.7% a year earlier.
Director of Finance & Strategy Hussein Paolo Kartadjoemena attributed this growth to successful branch transformation and digital innovation. The digital platform wondr by BNI, launched in July 2024, grew from 1 million to 8.6 million users by June 2025. Transaction value jumped 16-fold to Rp649 trillion ($40.3 billion) with 702 million transactions recorded.
BNI’s mobile banking channels handled Rp1,188 trillion ($73.9 billion) in transactions, up 68% YoY, while its corporate platform BNIdirect logged Rp5,246 trillion ($326.2 billion) in value, up 31.1%, with 717 million in transaction volume.
Liquidity and capital indicators remained strong, with a Loan to Deposit Ratio (LDR) at 86.2%, Liquidity Coverage Ratio (LCR) at 144.2%, and Net Stable Funding Ratio (NSFR) at 143.0%. BNI’s Capital Adequacy Ratio (CAR) improved to 21.1%.
Strengthening ESG Commitments
Director of Risk Management David Pirzada said BNI continues to evolve into a globally competitive financial institution. The bank’s MSCI ESG rating rose from BBB to A, reflecting its strategic sustainability integration.
As of June 2025, BNI had disbursed Rp74 trillion ($4.6 billion) in green financing, marking a 20% increase over four years. It also issued $352 million (Rp5.74 trillion) in Sustainability Linked Loans (SLL).
BNI targets Net Zero Emissions (NZE) for operational activities by 2028 and for its financing portfolio by 2060. The bank is also actively encouraging borrowers to adopt ESG practices.
“With robust liquidity, aggressive digital transformation, and integrated sustainability commitments, BNI is well-positioned to accelerate inclusive and sustainable growth in the second half,” David concluded.