BNI Introduces Credit Relief Program for Sumatra Disaster Victims

Support for Affected Regions

PT Bank Negara Indonesia (Persero) Tbk. (BBNI) has announced a comprehensive credit restructuring program for debtors affected by recent natural disasters in Aceh, North Sumatra, and West Sumatra. The initiative follows the Financial Services Authority (OJK) designation of these areas as disaster zones.

Key Features of the Relief Program

BNI's corporate secretary, Okki Rushartomo, stated that the bank's restructuring policy includes various support measures tailored to individual debtor needs. These include:

• Payment deferment of principal and/or interest
• Grace periods to ease immediate financial pressure
• Interest rate relief and/or reduced fees
• Loan term extensions to improve repayment manageability
• New funding options under existing regulatory guidelines

Regulatory Framework

The credit relief program is based on OJK Letter No. S-47/D.03/2025 dated December 10, 2025, which provides a special regulatory framework for financial institutions operating in disaster-affected areas. The OJK has established a three-year special treatment period from December 10, 2025 to December 9, 2028, during which affected debtors' credit quality will be maintained.

Implementation and Assessment

BNI has begun implementing the policy since December 17, 2025, and is actively communicating the available relief measures to all regional and branch offices. The bank is conducting comprehensive assessments of debtor profiles, business capacity, and repayment ability to ensure that restructuring benefits those directly affected by the disasters.

Business Impact and Future Outlook

By providing these targeted relief measures, BNI aims to support the economic recovery of affected regions. The bank's proactive approach demonstrates its commitment to balancing financial prudence with social responsibility during times of crisis.