BNI Sees Strong Q1 2025 Results as Loans Surpass Rp 765 Trillion and Digital Banking Expands

JAKARTA, investortrust.id – Indonesia’s state-owned lender Bank Negara Indonesia has posted a net profit of Rp 5.4 trillion, or around $335 million, in the first quarter of 2025, reflecting a 1.1% increase from a year earlier, driven by steady credit expansion and rising savings. This result highlights the bank’s resilience in managing liquidity and balancing growth with risk mitigation amid ongoing global uncertainties.

 

PT Bank Negara Indonesia Persero Tbk, or BNI (BBNI), reported that its total loans grew 10.1% year-on-year to Rp 765.47 trillion, supported by an equally strong 10.2% increase in savings. Director of Finance and Strategy Hussein Paolo Kartadjoemena said BNI’s solid financial performance reflected prudent business growth and the success of its digital transformation efforts.

 

“The solid financial performance in the first quarter of 2025 reflects healthy loan growth and successful digital initiatives that have supported stronger savings growth,” Paolo said in a statement released Monday, April 28, 2025.

 

Loan disbursements were primarily fueled by the corporate segment, which rose 16% to Rp 433.4 trillion. Within this, lending to private companies and institutions increased 17% to Rp 317.1 trillion, while loans to state-owned enterprises grew 13.3% to Rp 116.3 trillion.

 

Consumer loans became the second-largest contributor, growing 13% year-on-year to Rp 144.9 trillion, led by a 13.7% rise in personal loans and a 12.5% increase in mortgage lending.

 

In the middle-market segment, commercial loans rose 2.6%, while small business loans outside the government-backed People’s Business Credit program (KUR) expanded 6.1%.

 

Corporate loans accounted for 56.6% of BNI’s total loan portfolio as of March 2025, followed by consumer loans at 18.9%, mid-sized business loans at 12.6%, and small business loans at 9.6%. Contributions from BNI's subsidiaries also increased from 1.6% to 2.2%.

 

Asset quality also improved, with the non-performing loan (NPL) ratio maintained at 2% and the loan-at-risk ratio falling to 10.9% from 13.3% a year earlier. This improvement helped reduce credit costs from 1% to 0.9%.

 

Third-party funds (DPK) rose 5% year-on-year to Rp 819.6 trillion, with transactional savings (CASA) growing 6.3%. Savings products grew strongly at 10.2% to Rp 257.8 trillion, while demand deposits increased 3.4% to Rp 320 trillion, boosted by BNI’s digitalization efforts.

 

BNI’s net interest income climbed 4.7% year-on-year to Rp 9.8 trillion, driving operating income up 2.8% to Rp 15.25 trillion.

 

 

Digital Transformation Gains Traction

BNI’s flagship digital banking app, wondr by BNI, launched in July 2024, has quickly gained traction, reaching 6.8 million users and facilitating 218 million transactions worth Rp 212 trillion by March 2025.

 

BNI reported a 57.5% year-on-year surge in mobile banking transaction volume and a 31.1% increase in transaction value. The full migration of BNI Mobile Banking features into wondr by BNI in February 2025, along with new offerings like credit card installment conversion, personal finance management tools, tax reporting, and lifestyle features such as ticket purchasing for the Java Jazz Festival, has accelerated adoption.

 

On the wholesale side, BNI’s revamped corporate banking portal, BNIdirect, launched in October 2024, recorded a 33.2% year-on-year increase in transaction value to Rp 2,374 trillion, alongside a 16.4% growth in transaction volume to 337 million transactions.

 

Sustainable Finance Commitments

BNI continued expanding its sustainable financing portfolio, reaching Rp 182.4 trillion, or 24.3% of its total loans, by March 2025. This includes Rp 110.2 trillion in financing for micro, small, and medium enterprises (UMKM) and Rp 72.2 trillion in green loans.

 

Director of Risk Management David Pirzada noted that BNI's green loan portfolio has achieved a strong compound annual growth rate (CAGR) of 23.5% over the past four years.

 

The bank has also deployed Rp 6 trillion in Sustainability-Linked Loans (SLL) across sectors such as livestock, food processing, iron manufacturing, cement production, coal products, and plastics industries.

 

To strengthen its environmental focus, BNI reinforced its BNI UMKM Ramah Lingkungan (BUMI) program in 2025, providing Rp 13.9 billion in financing to 40 green-oriented UMKM businesses by March.

 

BNI has adopted a zero waste-to-landfill policy across its operations, promoted green lifestyles within the company, and pursued energy efficiency initiatives. These efforts support BNI’s commitment to achieve net zero emissions (NZE) for its operational activities by 2028 and across its financing portfolio by 2060.