BNI Recorded Solid Fundamentals, Strong Liquidity, and Managed Risk Throughout 2025

 

Radarseluma.Disway.id - PT Bank Negara Indonesia (Persero) Tbk or BNI closed its 2025 fiscal year with solid financial fundamentals amid adjustments to global monetary policy and increased economic volatility. Despite these external pressures, BNI was able to maintain solid and balanced credit growth on a consolidated basis, strengthen its funding structure, and record consistent improvements in asset quality.

 

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By the end of 2025, BNI recorded credit growth of 15.9% year-on-year (YoY), supported by credit expansion to productive sectors. This growth was underpinned by an increasingly strong funding structure, reflected in a more solid low-cost funding (CASA) structure, thereby supporting funding cost efficiency amid market dynamics.

 

BNI President Director Putrama Wahju Setyawan said that this achievement reflects the resilience of BNI's business model, which has been built through fundamental strengthening, productivity, and continuous transformation.

 

“Throughout 2025, we faced significant external pressures, ranging from global volatility to interest rate adjustments. However, BNI was able to maintain healthy growth by focusing on strong funding, risk discipline, and credit expansion to productive sectors,” said Putrama.

 

Putrama emphasized that BNI's transformation not only focuses on strengthening technology, but also includes organizational strengthening and overall productivity improvement. These efforts are carried out through improving human resource capabilities, optimizing office networks and utilizing data analytics, as well as strengthening digital platforms to continuously improve service quality and customer experience.

 

As part of the national banking ecosystem, BNI also actively monitors macroeconomic developments and implements measured mitigation measures to ensure that strategic policies run optimally and support long-term sustainable growth.

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