BNI Transformation Strengthens Performance and Competitiveness
The transformation of PT Bank Negara Indonesia (Persero) Tbk, known as BNI, is aimed at strengthening the company’s performance and competitiveness to capture new growth opportunities. This aligns with the strengthening of State-Owned Enterprise (SOE) governance by Danantara Indonesia, which focuses on long-term value creation.
“The transformation we are implementing is not only aimed at improving business performance but also at strengthening the company’s ability to face changes and capture growth opportunities,” said BNI’s Director of Finance & Strategy, Hussein Paolo Kartadjoemena. This transformation is also part of BNI’s eight decades of service to the nation.
With increasingly strong fundamentals, he continued, BNI can provide a greater contribution to customers, the community, and the national economy. Under the theme of its 80th anniversary, “Swadharma Bhakti Nagara”, these steps serve as a foundation for the company’s continued solid performance.
BNI is implementing a comprehensive transformation across various business lines, ranging from strengthening digital capabilities, increasing organisational productivity, and optimising service networks, to enhancing risk management. This strategy is directed towards 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 increase in transaction activity on ‘wondr by BNI’ has also 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 guarantees, and supply chain financing for business customers. Throughout 2025, the number of users and transaction value of BNIdirect grew by more than 25 per cent year-on-year, contributing to the 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 recorded a net profit of Rp 20 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) improving to 8.5 per cent.
This positive momentum continued into 2026. As of the end of May 2026, BNI recorded total assets of Rp 1,365.36 trillion and third-party funds (DPK) of Rp 1,063.92 trillion. The company also recorded a net profit of Rp 9.05 trillion with a strong capital position, reflected by total equity of Rp 160.99 trillion.
Paolo stated that an increasingly strong business foundation is essential capital for BNI to continue creating value for shareholders, customers, the community, and the national economy.
“We believe that a healthy and growing company will be able to provide greater benefits to shareholders, support the national development agenda, and contribute to Indonesia’s long-term economic growth,” said Paolo.
Furthermore, the presence of Danantara is expected to strengthen the efforts of SOEs, including BNI, in creating long-term value through integrated investment management, increased productivity, and enhanced corporate competitiveness.
Moving 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”. In alignment with the direction of strengthening SOE governance and value creation through Danantara, the company is optimistic that it can continue to strengthen performance, expand its contribution to national development, and create sustainable benefits for shareholders, the community, and the state.