PT Bank Negara Indonesia (Persero) Tbk (BBNI) has demonstrated an optimistic outlook in navigating current global economic challenges. The company officially stated that it will not revise its Bank Business Plan (RBB) previously submitted to the Financial Services Authority (OJK).
BNI Finance & Strategy Director, Hussein Paolo Kartadjoemena, emphasized that the company's performance realization up to mid-year aligns with initial projections. According to Paolo, credit growth and other financial indicators remain on target, leaving no urgent need to adjust performance goals.
As of May 2026, BNI recorded a standalone net profit of IDR 9.05 trillion, reflecting a 7.1% year-on-year (YoY) growth. This positive result was driven by net interest income (NII), which grew significantly by 15.19% to IDR 18.12 trillion, outperforming other top-tier banks.
In terms of intermediation, BNI's loan disbursement reached IDR 940.88 trillion as of May 2026, surging 24.5% year-on-year. This credit expansion was matched by a 33.15% growth in Third-Party Funds (DPK), reaching IDR 1,063.92 trillion. Paolo added that an increase in provisions by IDR 3.72 trillion was made as a preventive risk mitigation measure.
BNI has set a loan growth target of 8–10% for full-year 2026, maintaining its Net Interest Margin (NIM) in the range of 3.5–3.8% and credit cost within 1–1.2%. With a strong performance foundation in the first half, BNI management remains confident in achieving these targets by the end of the year.
