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

 

As for the placement of the Ministry of Finance's Budget Surplus (SAL) funds, BNI has channeled them into productive sectors while maintaining prudence. Examples include the manufacturing, trade, construction, agriculture, forestry, fisheries, and other sectors.

 

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.

 

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