BNI Transformation Strengthens Performance and Competitiveness

The transformation of PT Bank Negara Indonesia (Persero) Tbk, or BNI, is directed at strengthening the company’s performance and competitiveness in capturing new growth opportunities. This is in line with the strengthening of state-owned enterprise (SOE) governance by Danantara Indonesia, which focuses on long-term value creation. “The transformation we are undertaking 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 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 make a greater contribution to customers, society, and the national economy. Through the 80th anniversary theme “Swadharma Bhakti Nagara”, this step serves as a foundation for the company’s solid performance. BNI is carrying out a comprehensive transformation across various business lines, from strengthening digital capabilities and increasing organisational productivity to optimising service networks and 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 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 the transaction value of 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 posted 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 loan at risk (LaR) improving to 8.5 per cent. The 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 posted a net profit of Rp 9.05 trillion with a strong capital position, reflected in total equity of Rp 160.99 trillion. Paolo stated that the increasingly strong business foundation is important capital for BNI to continue creating value for shareholders, customers, society, and the national economy. “We believe that a healthy and growing company will be able to provide greater benefits for shareholders, support the national development agenda, and contribute to Indonesia’s long-term economic growth,” said Paolo. 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 strengthened 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 “Terus Mengabdi untuk Terus Melayani” (Continuing to Serve to Continue Serving). In line with the direction of strengthening governance and value creation for SOEs through Danantara, the company is optimistic it can continue to strengthen performance, expand its contribution to national development, and create sustainable benefits for shareholders, society, and the state.