BNI Chief Explains Surge in Lending
Jakarta, CNBC Indonesia — PT Bank Negara Indonesia (Persero) Tbk (BBNI) recorded annual loan growth of 22.2% to Rp992.5 trillion through the third quarter of 2026. The increase was supported by lending across all business segments, while maintaining prudent principles.
In line with its lending expansion, BNI also recorded 19.6% year-on-year growth in low-cost funds, or current account savings account (CASA), to Rp733.7 trillion. Asset quality improved, with the gross non-performing loan (NPL) ratio falling from 2% to 1.9%.
The business growth was also reflected in BNI’s loan market share, which rose by 113 basis points year on year to 10.6%.
BNI Finance and Strategy Director Hussein Paolo Kartadjoemena said lending was expanded selectively across all segments, using disciplined creditworthiness assessment (underwriting) standards.
“Selective loan growth and stronger low-cost funding are important to maintaining a balance between business expansion and profitability. We continue to optimise our funding structure so that growth remains healthy and sustainable,” Paolo said in a written statement on Tuesday (27 October 2026).
Despite loan expansion and margin pressures, BNI recorded net profit of Rp16.1 trillion through the third quarter of 2026, up 6.6% year on year.
BNI Risk Management Director David Pirzada said the company’s asset quality continued to improve. This was reflected in the loan-at-risk (LaR) ratio declining from 10.4% to 7.8%, and the gross NPL ratio falling from 2% to 1.9%.
To anticipate potential credit risks, BNI maintained its total allowance-to-loan ratio at 3.8%, above the industry ratio of 3.5%. Its NPL coverage ratio stood at 193.3%.
“Risk management begins with setting priority sectors and assessing borrowers’ creditworthiness, and continues with monitoring after loans are disbursed, supported by an early warning system that we continue to strengthen,” David said.
On liquidity, BNI reported a loan-to-deposit ratio (LDR) of 87.9%, a liquidity coverage ratio (LCR) of 143.4% and a net stable funding ratio (NSFR) of 128.4%.
The bank’s capital adequacy ratio (CAR) stood at 19.2%, giving it room to continue expanding its business while anticipating potential risks.