PT Bank Negara Indonesia (BBNI) investor relations material

Executive summary

• Core profit before provisioning (PPOP) reached IDR 18.5 trillion, the highest in five years, up 14.5% year-over-year, driven by strong core business growth and digital transformation.

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

• Loan portfolio expanded by 24.4% year-over-year, with most growth from large corporate, enterprise, and government-linked programs; third-party funds up 22.3% year-over-year.

• Asset quality improved, with Loan at Risk ratio down to 8.1% and NPL ratio stable at 1.9%.

• Digital initiatives and branch network optimization contributed to CASA and transaction growth.

Financial highlights

• Net interest income grew 14.2% year-over-year to IDR 22.3 trillion; fee income also up 14.2%.

• Operating income increased 13.6% to IDR 34 trillion; OPEX rose 12.6% due to personnel and digitalization investments.

• NIM declined to 3.6% from 3.8% year-over-year; CASA ratio at 65.4% (down from 72.0%); cost of funds at 2.56%.

• Total assets reached IDR 1,461 trillion as of June 30, 2026, up 21.6% year-over-year.

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

Outlook and guidance

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

• NIM guidance revised down to 3.3%-3.5% from 3.5%-3.8%, reflecting higher funding costs and deposit competition.

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

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