PT Bank Negara Indonesia (BBNI) investor relations material

Executive summary

• Achieved record core profit and highest PPOP in five years at IDR 18.5 trillion, up 14.5% year-on-year, driven by core business growth and digital transformation.

• Net profit rose 6.6% year-on-year to IDR 10.8 trillion, supported by strong loan growth and prudent provisioning.

• Loan portfolio expanded by 24.4% year-on-year to IDR 968.54 trillion, with 85% from core segments and third-party funds up 22.3%.

• Asset quality improved: Loan at Risk ratio down to 8.1% from 11%, NPL stable at 1.9%.

• Digital initiatives and branch optimization accelerated CASA and transaction growth.

Financial highlights

• Total assets increased 21.6% year-on-year to IDR 1,461 trillion; loans reached IDR 968.54 trillion.

• Net interest income grew 14.2% year-on-year to IDR 22.29 trillion; fee-based income up 14.2%.

• Operating income up 13.6% year-on-year to IDR 34 trillion; OPEX increased 12.6% due to personnel and digitalization.

• NIM declined to 3.55% from 3.83% year-on-year; CASA ratio at 65.4%.

• Basic earnings per share increased to IDR 289 from IDR 271 year-over-year.

Outlook and guidance

• NIM guidance revised down to 3.3%-3.5% for full year due to higher funding costs and deposit competition.

• Full-year loan growth guidance maintained at 8%-10%, with a more measured pace in the second half.

• Credit cost guidance unchanged at 1%-1.2%; focus on sustaining profitability and asset quality.

• Strong capital position with consolidated CAR at 18.29% as of June 30, 2026.