Corporate Segment Dominates, BNIDirect Transactions Surge 26%
Jakarta, CNBC Indonesia - PT Bank Negara Indonesia (Persero) Tbk (BBNI) or BNI continues to be committed to strengthening financial services for customers, including the corporate segment, through the transformation of the BNIDirect platform. BNIDirect is a digital financial platform for Cash Management services for business and institutional customers, and supports financial transaction activities that are Faster, Easier and More Secure.
Through internet banking-based cash management services, BNIDirect supports customer transactions. Throughout 2025, BNIDirect recorded a transaction value of Rp11.406 trillion throughout 2025. This number increased by 26% year-on-year (YoY) compared to the previous year, which was Rp9.025 trillion.
As much as 78% of the total transaction value came from corporate customers and the increasing number of BNIDirect customers. As of December 2025, the number of BNIDirect customers reached 261 thousand.
BNI has transformed the BNIDirect platform which is now simpler, faster and more personal, and is able to support MSMEs thanks to the support of features such as real-time cash visibility, single authorization, to ease of transaction. Along with this transformation, BNI’s transactional current account balance increased significantly by 43.8% YoY.
From the expansion side, BNI has disbursed corporate credit of Rp 518.2 trillion as of the end of December 2025 or an increase of 20.01% YoY. In detail, the credit was supported by the private sector or institutions of Rp 336.3 trillion and the State-Owned Enterprises (SOE) sector of Rp 181.9 trillion.
Annually, there are three industrial sectors that drive BNI’s (bank only) credit growth, namely infrastructure, water, electricity and gas, and natural resources (SDA). The contribution from the infrastructure industry reached Rp 63.3 trillion or an increase of 139% YoY, the water, electricity and gas industry reached Rp 12.6 trillion or grew 43% YoY, and SDA reached Rp 7.6 trillion or increased 17% YoY.
Meanwhile, on a quarterly basis (QoQ), BNI’s credit was supported by the infrastructure, water, electricity and gas sectors, and business services. The contribution from the infrastructure industry reached Rp 56 trillion or soared 106%, the water, electricity and gas industry reached Rp 8.9 trillion or increased 27%, and business services reached Rp 2.5 trillion or increased Rp 6 billion.
“A diversified credit growth strategy is key to maintaining portfolio quality amid a slowing global economy,” said Director of Finance & Strategy of BNI Hussein Paolo Kartadjoemena in a statement, quoted Thursday (26/2/2026).
Ultimately, thanks to a combination of healthy credit growth, a strong funding structure, and improved asset quality, BNI managed to book a consolidated net profit of Rp 20.0 trillion throughout 2025.