As a state-owned bank, BNI positions itself not only as an intermediary institution, but also as a strategic partner of the government in accelerating the national development agenda. We carry out our synergy in various government priority programs with a prudent, ecosystem-based approach that is oriented towards strengthening long-term economic fundamentals," Putrama emphasized.
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Positive and Balanced Growth Performance
BNI Director of Finance & Strategy Hussein Paolo Kartadjoemena revealed that BNI's intermediation performance grew positively and was balanced overall. BNI recorded credit growth of 15.9% YoY throughout 2025, reflecting solid intermediation performance amid global economic challenges.
“A diversified credit growth strategy is key to maintaining portfolio quality amid the global economic slowdown,” said Paolo.
Paolo added that BNI's balance sheet management throughout 2025 was focused on balancing business growth, cost efficiency, and strong capitalization. The main focus was on strengthening CASA-based funding.
By the end of 2025, credit growth of 15.9% YoY was fully funded by low-cost funds with CASA growth of 28.9% YoY, supported by current account growth of 43.8% YoY and savings growth of 11.2% YoY. This healthy funding structure supports optimal liquidity management.
In terms of capital, the capital adequacy ratio (CAR) reached 20.7%, well above regulatory requirements, providing BNI with sufficient room to support future business expansion and anticipate risks.