BNI directs transformation to strengthen performance and competitiveness

The transformation we are undertaking is not only directed at improving business performance, but also at strengthening the company’s ability to face change and capture growth opportunities, said Finance & Strategy Director of BNI, Hussein Paolo Kartadjoemena. This step is in line with the strengthening of state-owned enterprise (SOE) governance by Danantara Indonesia, which focuses on long-term value creation. The company is carrying out a comprehensive transformation across various business lines, from strengthening digital capabilities, increasing organisational productivity, and optimising service networks, to reinforcing risk management. The strategy is directed at creating healthier and more sustainable growth. On the digitalisation front, BNI continues to develop wondr by BNI as a retail digital service platform. By the end of 2025, the platform had been used by more than 12 million customers. The company noted that the increase in transaction activity on wondr by BNI has supported the growth of retail savings and the strengthening of the company’s low-cost funds. Meanwhile, in the wholesale banking segment, BNI is strengthening BNIdirect, which provides cash management, trade finance, bank guarantee, and supply chain financing services for business customers. Throughout 2025, the number of users and transaction value of BNIdirect grew by more than 25 percent year-on-year, thereby contributing to the growth of corporate current accounts and the quality of business transaction services. According to the company, the results of this transformation are reflected in its financial performance throughout 2025, with a net profit of Rp20 trillion. At the same time, asset quality continued to improve, with the gross non-performing loan (NPL) ratio falling to 1.9 percent and the loan at risk (LaR) improving to 8.5 percent. The positive momentum continued into 2026. As of the end of May 2026, BNI recorded total assets of Rp1,365.36 trillion and third-party funds (DPK) of Rp1,063.92 trillion. The company also posted a net profit of Rp9.05 trillion with a strong capital position, reflected in total equity of Rp160.99 trillion. Paolo stated that the increasingly strong business foundation is an important asset for BNI to continue creating value for shareholders, customers, society, and the national economy. The presence of Danantara is also expected to further strengthen the efforts of SOEs, including BNI, in creating long-term value through integrated investment management, increased productivity, and strengthened corporate competitiveness. The company affirmed that the transformation agenda will continue to strengthen competitiveness and increase its contribution to the national economy.