BNI Reports Solid Fundamentals in First Half of 2026, Driven by Credit Growth and Asset Quality
PT Bank Negara Indonesia (Persero) Tbk, or BNI, recorded solid fundamental performance in the first half of 2026 amidst challenges in banking industry liquidity and dynamic global economic and geopolitical conditions. Healthy and well-diversified credit growth, a strong funding structure, maintained asset quality, and sustainable business transformation formed the foundation for BNI to create quality growth and long-term value for all stakeholders.
BNI President Director Putrama Wahju Setyawan stated that the company continues to strengthen its business fundamentals through a quality-oriented growth strategy, reinforcement of its core business, and sustainable organisational and digital transformation. “Amid a dynamic business environment, BNI is directing resources to sectors and ecosystems with healthy growth prospects. This approach allows the company to maintain asset productivity while increasing service relevance for customers across all segments,” Putrama said, as quoted from a press release received on Monday (10/8).
According to Putrama, this business development direction aligns with the State-Owned Enterprise transformation agenda under the coordination of Danantara Indonesia, which emphasises strengthening company fundamentals, implementing professional governance, and creating sustainable value.
Digital transformation and network strengthening are key drivers of BNI’s productivity and business growth. As of the end of June 2026, the number of wondr by BNI users reached 15.1 million, with transaction volume growing 110% year-on-year. In the wholesale segment, BNIdirect users reached 280,000, with transaction volume growing 17% year-on-year to IDR 6,039 trillion. This growth reflects the wider utilisation of BNI’s digital channels by both retail and corporate customers.
In terms of network, the BRAVE (Branch, Region & Area Value Empowerment) programme has now been implemented across all of BNI’s operational areas. The programme strengthens the function of branch offices as sales centres, increases network productivity, and optimises business potential in each region. Putrama explained that digital transformation and the implementation of BRAVE are part of BNI’s long-term strategy to build a more agile organisation, strengthen business capabilities, and deliver services relevant to customer needs.
“Through BRAVE, each region and branch office plays a stronger role in exploring local economic potential and building business ecosystems. The integration of network capabilities and digital solutions is expected to accelerate acquisition, expand transactions, and improve the quality of customer relationships,” Putrama said.
With consistent strengthening of business strategy, organisational transformation, and digitalisation, BNI is optimistic it can continue to enhance its competitiveness while creating long-term value for stakeholders.
Meanwhile, BNI Director of Finance and Strategy Hussein Paolo Kartadjoemena said that as of the end of June 2026, BNI’s credit grew 24.4% year-on-year to IDR 968.5 trillion. This growth was supported by an increasingly diversified credit portfolio across various economic sectors and main business segments, ranging from corporate, middle, MSME, to consumer.
Credit expansion was carried out selectively, considering industry prospects and the risk profile of each debtor to maintain a balance between business growth and portfolio quality. This intermediation strategy was accompanied by a strengthening funding structure. Amid tight liquidity competition, BNI’s CASA grew 11.2% year-on-year, enabling the bank to maintain a CASA ratio of 65.4%. This achievement supports cost of funds efficiency, with the third-party funds cost of fund improving to 2.56%, compared to 2.78% in the same period the previous year.
A strong funding structure is an important asset for BNI to maintain competitiveness while supporting sustainable credit growth. The strengthening of BNI’s business fundamentals is also reflected in the increase in the company’s core income. In the first half of 2026, net interest income (NII) grew 14.2% year-on-year to IDR 22.3 trillion.
During the same period, fee-based income (FBI) increased 14.2% to IDR 9 trillion. This solid and balanced growth from both income sources drove pre-provision operating profit (PPOP) to IDR 18.5 trillion, the highest in BNI’s history for a first-half period.
Meanwhile, the company’s net profit was recorded at IDR 10.8 trillion. Paolo stated that the strengthening profitability reflects BNI’s increasingly solid and balanced core business contribution.
“The increase in income comes not only from credit expansion, but also from transaction growth, cash management solutions, digital services, and other fee-based activities. This diversification of income sources is important to maintain BNI’s profitability resilience under various economic cycle conditions,” said Paolo.
In line with business growth, BNI’s asset quality continues to show good resilience. By the end of June 2026, the loan at risk (LAR) ratio improved from 11.0% to 8.1%, while the non-performing loan (NPL) ratio stood at 1.9%. The company also maintains a conservative provisioning policy as part of its risk management discipline. This policy strengthens balance sheet resilience while providing room for BNI to continue healthy business expansion by prioritising prudential principles.