BNI Marks 80th Anniversary with Transformation to Strengthen Performance and Competitiveness
Commemorating eight decades of service to the nation, PT Bank Negara Indonesia (Persero) Tbk (BNI) is reinforcing its role as the country’s first state-owned bank through continuous transformation. Aligned with the 80th anniversary theme ‘Swadharma Bhakti Nagara’, these measures serve as a foundation for the company’s solid performance.
BNI Director of Finance & Strategy Hussein Paolo Kartadjoemena stated that the bank’s transformation is directed at strengthening performance and competitiveness to capture new growth opportunities, in line with the strengthening of state-owned enterprise (SOE) governance by Danantara Indonesia, which focuses on long-term value creation. He noted that the transformation is not only aimed at improving business performance but also at enhancing the company’s ability to navigate change and seize growth opportunities.
‘With increasingly strong fundamentals, BNI can provide greater contributions to customers, society, and the national economy,’ Paolo said.
BNI is executing a comprehensive transformation across various business lines, from strengthening digital capabilities and increasing organisational productivity to optimising its service network and reinforcing risk management. This strategy is directed at creating healthier and more sustainable growth.
On the digitalisation front, BNI continues to develop wondr by BNI as its retail digital service platform. By the end of 2025, the platform had been used by more than 12 million customers. The increase in transaction activity on wondr by BNI has supported the growth of retail savings and strengthened the company’s low-cost funding base. 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 the transaction value on BNIdirect grew by more than 25 per cent year-on-year, contributing to an increase in corporate current accounts and the quality of business transaction services.
The results of this transformation are reflected in the company’s financial performance throughout 2025. BNI successfully posted 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 per cent and the loan at risk (LaR) ratio improving to 8.5 per cent.
This positive momentum has continued into 2026. As of the end of May 2026, BNI recorded total assets of Rp1,365.36 trillion and third-party funds 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 crucial capital for BNI to continue creating value for shareholders, customers, society, and the national economy. ‘We believe that a healthy and growing company can provide greater benefits to shareholders, support the national development agenda, and contribute to Indonesia’s long-term economic growth,’ Paolo said.
The presence of Danantara is expected to further strengthen the efforts of SOEs, including BNI, in creating long-term value through integrated investment management, increased productivity, and enhanced corporate competitiveness. Going forward, BNI will continue its transformation agenda to strengthen competitiveness and increase its contribution to the national economy, in line with the spirit of ‘Continuing to Serve by Continuing to Devote’.
In line with the direction of strengthening governance and value creation for SOEs through Danantara, the company is optimistic that it can continue to strengthen its performance, expand its contribution to national development, and create sustainable benefits for shareholders, society, and the state.