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

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.

 

Business acceleration momentum was particularly evident in the fourth quarter of 2025, when BNI posted Operating Income before Provisions (PPOP) of IDR9.4 trillion. This PPOP achievement was the highest compared to the previous three quarters. PPOP acceleration in the fourth quarter was supported by growth in net interest income (NII) and fee-based income (FBI).

 

Cumulatively in 2025, NII was recorded at IDR40.3 trillion, with loan yields depressed as a result of the decline in benchmark interest rates, while non-interest income grew 5.2% YoY to IDR24.6 trillion, driven by increased transaction activity through digital channels, treasury, trade finance, and increased branch productivity.

 

In terms of asset quality, BNI recorded continuous improvement as reflected in the decline in the non-performing loan (NPL) and Loan at Risk (LaR) ratios. Gross NPLs were recorded at 1.9%, an improvement of 10bps YoY, while Loans at Risk (LaR) were at 8.5%, an improvement of 1.8% YoY, reflecting an overall decline in credit risk exposure and a return to pre-pandemic conditions.

 

On the other hand, the NPL coverage ratio reached 205.5% and the LaR coverage ratio reached 46.9%, indicating a strong and prudent level of reserves in anticipation of potential future risk pressures.

 

“We continue to strengthen our underwriting processes, granular portfolio monitoring, and early handling of non-performing loans. The use of data analytics and early warning systems is key to maintaining asset quality,” explained Paolo.

 

With a combination of healthy credit growth, solid funding structure, and improved asset quality, BNI posted a consolidated net profit of IDR20.0 trillion throughout 2025.

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