BNI Discontinues Phone Banking Service, Shifts to Digital Platform

Transition to wondr by BNI

PT Bank Negara Indonesia (Persero) Tbk (BBNI) has officially discontinued its BNI Phone Banking service effective December 15, 2025. The bank is urging customers to transition to their digital platform, wondr by BNI, for all their banking needs. Customers who fail to migrate their transactions after the cutoff date will no longer be able to use the Phone Banking service.

Financial Highlights

As of Q3 2025, BNI reported a net profit of Rp15.12 trillion, demonstrating strong financial performance. The bank maintained a robust Capital Adequacy Ratio (CAR) of 21.1%, with Tier-1 Capital remaining strong. BNI's liquidity position is also healthy, with a Loan to Deposit Ratio (LDR) of 86.9%, Liquidity Coverage Ratio (LCR) of 167.4%, and Net Stable Funding Ratio (NSFR) of 142.1%.

Asset Quality and Credit Growth

BNI's asset quality remains stable, with a gross Non-Performing Loan (NPL) ratio of 2.0% and Loan at Risk (LAR) improving to 10.4%. The bank has seen 10.5% YoY growth in credit distribution, reaching Rp812.2 trillion. This growth is balanced across corporate, medium, and micro, small, and medium enterprises (MSME) segments, reflecting the effectiveness of BNI's financing strategy.

Risk Management

To maintain healthy asset quality and risk profile, BNI continues to strengthen its financial resilience through solid provisioning. As of Q3 2025, the bank's CKPN (Allowance for Impairment Losses) stood at Rp34.7 trillion, with an NPL coverage ratio of 222.7%. This selective provisioning underscores BNI's commitment to anticipating potential credit risks and maintaining sustainable financial resilience.

Funding and Liquidity

BNI's Third-Party Funds (DPK) grew by 21.4% YoY to Rp934.3 trillion, with CASA (Current Account and Savings Account) increasing by 13.3% YoY to Rp613.4 trillion. This strong growth in low-cost funding supports BNI's liquidity and funding stability.