BNI's Revenue and Profit Fell in Q3 2025

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Adi Ahdiat 24/10/2025 16:18 WIB

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BNI's revenue and profit for January-September 2025 decreased compared to last year.

Net Interest Income and Net Profit of BNI for the January-September Period (2024-2025)

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BNI's Revenue and Profit Fell in Q3 2025

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Net Interest Income and Net Profit of BNI for the January-September Period (2024-2025)

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During the January-September 2025 period, PT Bank Negara Indonesia (Persero) Tbk, or BNI, recorded a net interest income of IDR 29.25 trillion.

The income of this issuer, coded BBNI, decreased by 0.6% compared to January-September last year (year-on-year/yoy).

In line with this, BNI's net profit until the end of Q3 2025 decreased by 7.3% (yoy) to IDR 15.23 trillion, as shown in the chart.

Despite the decrease in profit, as of September 2025, BNI's total loan disbursement grew by 10.5% (yoy) to IDR 812.2 trillion.

"BNI's loan growth is now more balanced across all segments, including corporate, medium, and MSMEs," said BNI's Director of Finance & Strategy, Hussein Paolo Kartadjoemena, in a press release on Friday (24/10/2025).

"This demonstrates the effectiveness of our financing strategy in maintaining asset quality while simultaneously encouraging the growth of productive sectors," he added.

As of September 2025, BNI's corporate loan disbursement grew by 12.4% (yoy) to IDR 450.7 trillion, supported by increased financing to private corporations, state-owned enterprises (SOEs), and institutions.

Furthermore, non-KUR MSME loans grew by 13.9% (yoy) to IDR 46.3 trillion, and consumer loans grew by 9.6% (yoy) to IDR 150.2 trillion, supported by housing loans (KPR), personal loans, and credit cards.

During this period, BNI's non-performing loan (NPL gross) ratio reached 2.0%, while the loan at risk (LAR) ratio was 10.4%.

Editor : Adi Ahdiat

"Disclosure: This is an AI-generated translation of the original article. We strive for accuracy, but please note that automated translations may contain errors or slight inconsistencies."