PT Bank Negara Indonesia (Persero) Tbk, or BNI, recorded solid\nperformance up to the first quarter of 2026. This achievement was\nattained amid global uncertainties and geopolitical conditions,\nparticularly the war in the Middle East, which has influenced oil price\nmovements, increased inflation, and central bank interest rate policies\nin various countries.<\/p>\n
Domestically, a mix of monetary and fiscal policies serves as an\nimportant buffer for the national economy. On the monetary side, Bank\nIndonesia\u2019s (BI) benchmark interest rate is at a balanced level to\nsupport growth and stability. Additionally, BI has issued various\npolicies to maintain rupiah exchange rate stability, which is crucial\nfor preserving investor and business confidence amid global\npressures.<\/p>\n
Meanwhile, from the fiscal policy aspect, the government provides\nstimuli such as social assistance, energy subsidies, and support for\nbusiness sectors to protect people\u2019s purchasing power and bolster\ndomestic consumption as the main driver of economic growth.<\/p>\n
Beyond the consumption side, the government also focuses on\nproductive spending that can enhance economic growth and national\ncompetitiveness. The banking industry remains in a strong position to\nsustain the national economy\u2019s driving engine in the future.<\/p>\n
In facing these dynamics, BNI is optimistic about demonstrating the\nresilience of its solid fundamentals built over the years. This is\nreflected in strong capital and liquidity conditions, resilient asset\nquality accompanied by adequate provisioning levels to keep the risk\nprofile intact. BNI also consistently applies anticipatory measures and\nreadiness to ensure it can navigate the ongoing global\nuncertainties.<\/p>\n
BNI President Director Putrama Wahju Setyawan stated that this\nachievement reflects the resilience of BNI\u2019s business model, built\nthrough strengthening fundamentals, productivity, and sustainable\ntransformation.<\/p>\n
\u201cBNI continues to maintain growth momentum by prioritising prudence\nprinciples and discipline in risk management amid challenging global\ndynamics,\u201d said Putrama.<\/p>\n
As an effort to strengthen the capital foundation, BNI took proactive\nsteps by issuing Additional Tier-1 (AT1) instruments worth USD700\nmillion, or the equivalent of Rp11.9 trillion, in April 2026. This\ncapital strengthening further enhances BNI\u2019s capacity to anticipate\npotential risks while opening room for sustainable and healthy business\nexpansion in the future.<\/p>\n
In line with this strategy, BNI is also implementing a business\ntransformation focused on regions, areas, and branches through the BRAVE\n(Branch, Region, Area, Value, Empowerment) initiative. With the spirit\nof \u201cempowerment\u201d, this transformation aims to enhance BNI\u2019s network\ncapabilities down to the smallest operational units, empowering branches\nand sub-branches as the main points of sale for banking products and\nservices.<\/p>\n
This transformation began in Q4 2025 with a phased capability\nimplementation model. It is targeted that through the BRAVE\nimplementation, credit and CASA growth can occur in a quality and\nsustainable manner, followed by an increase in BNI\u2019s market share in the\nbanking industry, ultimately leading to improved productivity of BNI\nbranches, which currently number more than 1,700 across Indonesia.<\/p>\n
About six months after the BRAVE initiative began, BNI successfully\nrecorded business growth exceeding the industry average, both in credit\ndisbursement and third-party fund collection. As of March 2026, BNI\u2019s\ncredit grew 20.1% year-on-year (yoy), supported by a strengthening CASA\nfunding structure with 26.6% yoy growth, thereby supporting cost of\nfunds efficiency amid challenging market dynamics.<\/p>\n
Strategic Role in Driving the National Economy<\/p>\n
As a national bank with global capabilities, BNI reaffirms its role\nas an active contributor to the national economy, not only as an\nintermediary institution but also as a strategic partner to the\ngovernment in promoting inclusive and sustainable growth.<\/p>\n
In line with government priorities and Asta Cita, these contributions\nare focused on strategic sectors such as education, health, food\nsecurity, strengthening village economies, and real sectors that are the\nmain drivers of job creation and regional development.<\/p>\n
This role is realised through targeted financing, strengthening\nfinancial services, and optimising digitalisation to ensure development\nprogrammes run effectively and have broad impact. In the Free Nutritious\nMeals Programme (MBG), BNI plays a role by providing digital transaction\nsolutions through Virtual Account and BNIdirect to improve efficiency\nand transparency.<\/p>\n
In the People\u2019s School Programme, BNI provides integrated digital\nbanking services, including account opening for students and educators,\nas well as strengthening the financial ecosystem through Agen46. On the\nother hand, support for MSMEs, cooperatives, and villages is also\ncontinuously strengthened through financing for the KDMP programme\nlinked to Agen46, as well as participation in the 3 Million Houses\nProgramme through FLPP mortgage distribution.<\/p>\n
\u201cBNI will continue to be present as a strategic partner to the\ngovernment in driving inclusive economic growth, while strengthening its\nrole in sustainably improving community welfare,\u201d emphasised\nPutrama.<\/p>\n
BRAVE as the Foundation for Long-Term Growth<\/p>\n
Putrama added that BNI continues its transformation programme to face\nchanging market conditions and increasingly competitive rivalry, one of\nwhich is through the BRAVE initiative.<\/p>\n
Through BRAVE, BNI implements a programme to empower the role of\nBranches as the main point of sale in business acquisition, Regions as\ndirectors of business execution strategy in<\/p>", "url": "https:\/\/jawawa.id\/newsitem\/bni-records-solid-performance-in-q1-2026-1777452686", "image": "" }, "sponsor": "Okusi Associates", "sponsor_url": "https:\/\/okusiassociates.com" }