Jakarta. Bank Negara Indonesia (BNI) recorded a consolidated net profit of Rp 15.12 trillion ($909.4 million) as of September 2025, supported by its ongoing transformation strategy and prudent governance that reinforced long-term profitability.

BNI President Director Putrama Wahju Setyawan said the bank’s disciplined portfolio management and funding efficiency strategy helped sustain its resilience amid market volatility. “This achievement demonstrates BNI’s adaptability in facing challenges while continuing to drive inclusive and sustainable growth,” Putrama said in a written statement on Friday.

BNI’s total loans grew 10.5 percent year-on-year to Rp 812.2 trillion by the end of September, reflecting balanced growth across all business segments.

BNI Finance and Strategy Director Hussein Paolo Kartadjoemena said corporate loans rose 12.4 percent to Rp 450.7 trillion, supported by stronger financing to state-owned firms, private corporations, and institutions. Mid-sized enterprise loans climbed 14.3 percent, while non-KUR (non Micro Credit Program) MSME loans grew 13.9 percent to Rp 46.3 trillion, underscoring BNI’s commitment to supporting Indonesia’s real sector.

Consumer lending also improved, rising 9.6 percent to Rp 150.2 trillion, driven by mortgages, personal loans, and credit cards. Group-level lending, including subsidiaries, expanded 15.3 percent to Rp 17.4 trillion, reflecting stronger business ecosystem synergy.

Strong Reserves and Capital
To maintain asset quality and mitigate risks, BNI strengthened its loan-loss reserves (CKPN) to Rp 34.7 trillion, with an NPL coverage ratio of 222.7 percent.

“We continue to apply risk-based provisioning to ensure long-term resilience,” Paolo added.

The bank’s Capital Adequacy Ratio (CAR) stood at 21.1 percent, while liquidity remained solid with a Loan to Deposit Ratio (LDR) at 86.9 percent, Liquidity Coverage Ratio (LCR) at 167.4 percent, and Net Stable Funding Ratio (NSFR) at 142.1 percent.

BNI’s asset quality remained sound, with gross non-performing loans (NPL) at 2.0 percent and loan-at-risk (LAR) improving to 10.4 percent, signaling the bank’s success in maintaining healthy asset quality through strong risk management and prudent expansion.