{
    "success": true,
    "data": {
        "id": 2056885,
        "msgid": "bni-bbni-loans-rise-22-2-in-third-quarter-led-by-this-segment-1793073032",
        "date": "2026-10-27 10:20:47",
        "title": "BNI (BBNI) Loans Rise 22.2% in Third Quarter, Led by This Segment",
        "author": "",
        "source": "CNBC",
        "tags": "",
        "topic": "Banking",
        "summary": "BNI\u2019s consolidated lending reached Rp992.5 trillion in the first nine months of 2026, up 22.2% year on year, driven chiefly by 30.3% growth in wholesale loans. The bank said disciplined underwriting helped lift its loan market share to 10.6%, while asset quality improved and net profit rose 6.6% to Rp16.1 trillion.",
        "content": "<p>Jakarta, CNBC Indonesia \u2014 In the first nine months of 2026, PT Bank\nNegara Indonesia Tbk (Persero), or BNI, recorded consolidated lending of\nRp992.5 trillion, an annual increase of 22.2%, amid global economic\nvolatility.<\/p>\n<p>According to BNI\u2019s third-quarter 2026 financial performance\npresentation, wholesale lending was the largest segment, at Rp673.8\ntrillion, up 30.3% year on year. Commercial and small-business lending\ngrew at single-digit rates of 8.3% and 6.1%, respectively. Overall\nlending in BNI\u2019s business banking segment totalled Rp810.3 trillion, a\n25.7% annual increase.<\/p>\n<p>In the consumer segment, BBNI recorded loans of Rp163.8 trillion at\nthe end of September 2026. Mortgages showed the strongest growth, rising\n9.9% year on year, followed by personal loans, up 8.8%, and credit\ncards, up 7.6%.<\/p>\n<p>BNI Finance and Strategy Director Hussein Paolo Kartadjoemena said\nthe bank had expanded lending selectively across all segments, applying\ndisciplined credit-underwriting standards.<\/p>\n<p>\u201cThis strategy helped increase BNI\u2019s loan market share by 113 basis\npoints year on year, to 10.6%,\u201d he said on Tuesday (27 October\n2026).<\/p>\n<p>Despite the robust lending expansion, BNI maintained a prudent\napproach, as reflected in its total allowance-to-loan ratio of 3.8%.\nThis was higher than the industry figure of 3.5%.<\/p>\n<p>The non-performing loan (NPL) coverage ratio stood at 193.3%,\nindicating sufficient provisions to anticipate potential risks. Asset\nquality also continued to improve, with the loan-at-risk (LaR) ratio\nfalling from 10.4% to 7.8% and gross NPLs declining from 2.0% to\n1.9%.<\/p>\n<p>Over the same period, BNI recorded net profit of Rp16.1 trillion, up\n6.6% year on year. BNI President Director Putrama Wahju Setyawan said\nthe result reflected the company\u2019s consistent efforts to sustain quality\nbusiness growth by strengthening its fundamentals and managing risk.<\/p>\n<p>\u201cAmid challenging market dynamics, BNI has maintained its growth\nmomentum by prioritising prudence and discipline in risk management. Our\nfocus is on strengthening our fundamentals and productivity to deliver\nquality, sustainable growth,\u201d Putrama said.<\/p>",
        "url": "https:\/\/jawawa.id\/newsitem\/bni-bbni-loans-rise-22-2-in-third-quarter-led-by-this-segment-1793073032",
        "image": ""
    },
    "sponsor": "Okusi Associates",
    "sponsor_url": "https:\/\/okusiassociates.com"
}