PT Bank Negara Indonesia (BBNI) Q3 2025 earnings summary

Executive summary

• Navigated a challenging macroeconomic environment with disciplined growth, achieving 10.5% YoY consolidated loan growth and total assets up 18.9% YoY.

• Digital transformation initiatives (wondr, BNIdirect) drove strong customer adoption, CASA growth (+13.3% YoY), and significant fee income growth.

• Asset quality remained strong, with NPL stable at 2.0% and LAR improved to 10.4%.

• Net profit for 9M25 was IDR 16.43 trillion, up from IDR 15.23 trillion last year, despite higher provisioning and opex.

• Maintained prudent risk management, robust capital ratios, and continued focus on digital and sustainable finance.

Financial highlights

• Total assets reached IDR 1,269.5T (+18.9% YoY); loans at IDR 812.2T (+10.5% YoY); third-party funds at IDR 934.3T (+21.4% YoY).

• Net interest income for 9M25 was IDR 29.44T, with non-interest income at IDR 17.3T (+2.5% YoY).

• CASA deposits increased by 13% YoY, outpacing loan growth.

• Fee income rose 25% quarter-on-quarter, with digital platforms contributing 30% of total fee income.

• Net profit for 9M25 was IDR 16.43T, up from IDR 15.23T last year.

Outlook and guidance

• FY25 loan growth guidance maintained at 8%-10% YoY; credit cost guidance at ~1%.

• Revised full-year NIM target down by 10 bps to 3.7% due to lower-than-expected NIM and conservative yield assumptions.

• Expect stronger loan growth in 2026, supported by government economic initiatives.

• Dividend payout ratio targeted at no less than 65%, subject to shareholder discussion.

• Continued focus on digital expansion, asset quality, and sustainable finance.