BNI Credit Grows 20.1 Percent, Here Are the Supports

JAKARTA, KOMPAS.com – PT Bank Negara Indonesia (Persero) Tbk or BNI recorded aggressive credit growth amid lingering global uncertainties shadowing the world economy. As of the first quarter of 2026, credit disbursements by this issuer with the code BBNI grew 20.1 percent year-on-year (yoy) to Rp 919.3 trillion. This growth occurred while global dynamics were still influenced by geopolitical conflicts in the Middle East, impacting oil prices, inflation, and the direction of global interest rate policies. BNI President Director Putrama Wahju Setyawan stated that this achievement reflects the resilience of the company’s business model, which remains capable of growing amid external pressures. “BNI continues to maintain growth momentum by prioritising prudence and discipline in risk management amid challenging global dynamics,” said Putrama in the first quarter 2026 performance presentation, as quoted in a written statement. On the other hand, the government has also rolled out various stimuli, such as social assistance, energy subsidies, and support for business sectors to maintain purchasing power and domestic consumption. In line with credit expansion, BNI also recorded solid growth in third-party funds (DPK), particularly from low-cost funds or current account saving account (CASA). As of March 2026, CASA grew 26.6 percent yoy to Rp 731.6 trillion. BNI Finance & Strategy Director Hussein Paolo Kartadjoemena explained that a strong funding structure is key to maintaining healthy credit expansion amid tight liquidity competition. “This achievement serves as an enabler for credit expansion, while maintaining funding cost efficiency and indicating an increase in market share amid tight liquidity competition,” said Paolo. From an asset quality perspective, BNI also recorded an improvement with the non-performing loan (NPL) ratio dropping to 1.9 percent. Meanwhile, loans at risk stood at 8.6 percent, better than the pre-pandemic period. The combination of credit growth, funding efficiency, and maintained asset quality drove BNI’s net profit to Rp 5.6 trillion in the first quarter of 2026. To strengthen resilience against global risks, BNI also took proactive steps by issuing Additional Tier-1 (AT1) instruments worth US$700 million or equivalent to Rp 11.9 trillion in April 2026. This step is seen as enhancing capital capacity while opening up broader business expansion opportunities in the future. “This capital strengthening further enhances BNI’s capacity to anticipate potential risks while opening up space for sustainable and healthy business expansion in the days ahead,” said Putrama.