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BNI's Revenue and Profits Declined in 2025

Nabilah Muhamad 04/02/2026 13:11 WIB

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BNI (BBNI) recorded a net profit of Rp20.04 trillion throughout 2025, a decrease of 6.6% (year-on-year).

Net Interest Income and Net Profit of BNI (2024-2025)

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BNI's Revenue and Profits Declined in 2025

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Net Interest Income and Net Profit of BNI (2024-2025)

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PT Bank Negara Indonesia (Persero) Tbk, or BNI, recorded a net interest income of Rp40.33 trillion in 2025.

Its revenue decreased by 0.36% compared to 2024 (year-on-year/yoy).

This was accompanied by a decrease in profits. In 2025, the current profit attributable to BNI's parent entity fell by 6.6% (yoy) to Rp20.04 trillion.

Despite the decline in revenue and profits, BNI's credit disbursement increased by 15.9% (yoy) in 2025.

"Throughout 2025, we faced significant external pressures, ranging from global volatility to interest rate adjustments," said BNI CEO Putrama Wahju Setyawan in a press release (3/2/2026).

"However, BNI was able to maintain healthy growth by focusing on strong funding, risk discipline, and credit expansion to productive sectors," he said.

In 2025, BNI also improved asset quality, reflected in a decrease in the non-performing loan (NPL) and loan at risk (LAR) ratios.

"The gross NPL stood at 1.9%, an improvement of 10 bps, while the LAR was 8.5%, an improvement of 1.8%, reflecting a reduction in overall credit risk exposure and a return to pre-pandemic conditions," said BNI Finance & Strategy Director Hussein Paolo Kartadjoemena.

"We continue to strengthen the underwriting process, granular portfolio monitoring, and early handling of problematic loans. The utilization of data analytics and early warning systems is key to maintaining controlled asset quality," said Paolo.

By the end of December 2025, this BBNI-listed company had assets worth Rp1.362 trillion, an increase of 20.5% compared to the end of December 2024.

Its assets consisted of liabilities of Rp1.185 trillion and equity of Rp176.34 trillion.

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."

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BNI's Revenue and Profits Declined in 2025

BNI's Revenue and Profits Declined in 2025

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