BNI's Net Profit Reaches Rp10 Trillion in the First Half of 2025, Down 5.58%

PT Bank Negara Indonesia (BNI)'s performance report shows that the company recorded a net profit of Rp10.09 trillion in the first half of 2025.

This net profit attributable to the parent entity's owners decreased by 5.58% year-on-year (yoy) compared to the same period last year, which was Rp10.69 trillion.

From net interest income, the issuer with the code BBNI earned Rp19.51 trillion in the first half of 2025. Unlike profit, its revenue increased by 2.32% (yoy) from Rp10.07 trillion in the first half of 2024.

According to Katadata, insurance revenue, previously listed as net premium income, decreased from Rp786 billion in the first half of 2025 to Rp343 billion.

The company's net operating expenses also increased from Rp6.9 trillion to Rp7.5 trillion. This was influenced by an increase in provisioning expenses from Rp3.38 trillion to Rp3.7 trillion and a decline in derivative and spot transaction profits from Rp1.3 trillion to Rp591 billion.

BNI's loan growth was still supported by corporate loans, which increased by 10.4% (yoy) to Rp435.8 trillion. The main contributors were the private sector, SOEs (State-Owned Enterprises), and government institutions. Loans to the private sector and institutions grew by 11.1% to Rp314.6 trillion, while loans to SOEs increased by 8.7% to Rp121.2 trillion.

Consumer loans also increased by 10.7% (yoy) to Rp147 trillion, driven by an increase in personal loans of 11.7% to Rp60.1 trillion and mortgages of 9.9% to Rp68.4 trillion. Meanwhile, non-KUR (People's Business Credit) MSMEs loans grew by 9.2% (yoy) to Rp44.4 trillion. The commercial segment began to show a positive trend with 5.5% growth.

BNI's overall non-performing loan (NPL) ratio decreased to 1.9%, while the loan at risk (LAR) improved to 11%. The cost of credit (CoC) was also successfully maintained at 1%.

BNI's Deputy President Director, Alexandra Askandar, stated that BNI is strengthening its business fundamentals amid macroeconomic challenges. She mentioned that the increase in low-cost funds (CASA) and improved asset quality are the main keys to driving credit expansion in the second half of this year.

"Our focus remains on productive sectors such as agriculture, food and beverage industry, telecommunications, infrastructure, housing, energy downstreaming, and MSMEs," said Alexandra in an official statement on Friday, July 25, 2025.

BNI recorded a 16.5% year-on-year growth in deposits (DPK) to Rp900 trillion, dominated by an 18.7% increase in low-cost funds (CASA) to Rp647.6 trillion. Growth in current accounts reached 25.1% and savings accounts 10.5%, thus increasing the CASA ratio from 70.7% to 72.0%.

Throughout the first half of 2025, BNI also maintained healthy liquidity and capital ratios. The loan-to-deposit ratio (LDR) was at 86.2%, while the loan-to-cash ratio (LCR) and net stable funding ratio (NSFR) reached 144.2% and 143.0%, respectively. The capital adequacy ratio (CAR) increased to 21.1%, strengthening its expansion capacity.

BBNI's total assets reached Rp1,201.65 trillion in June 2025. This is a 6.35% decrease from Rp1,129.8 trillion in December 2024.

BNI's liabilities amounted to Rp1,036.46 trillion and equity reached Rp165.18 trillion in June 2025.