BNI Reports Strong Q3 2025 Performance Driven by Digital Transformation

Robust Financial Growth

PT Bank Negara Indonesia (Persero) Tbk (BBNI) has demonstrated impressive financial performance in Q3 2025, with total assets reaching Rp1,269.486 trillion, representing an 18.9% year-on-year growth and 5.6% quarter-on-quarter increase. This significant growth underscores the effectiveness of BNI's expansion strategies across various business lines, including corporate financing, retail optimization, and digital banking enhancement.

Digital Banking Surge

BNI's digital transformation has been a key driver of its success, particularly through its flagship platform wondr by BNI. The platform recorded a 16-fold increase in transaction value to Rp783 trillion and 16-fold growth in transaction volume to 866 million transactions compared to the same period last year. The user base expanded substantially to 10.5 million users by the end of Q3 2025, up from 2.8 million in Q3 2024.

Corporate and Retail Banking Performance

The corporate segment remained a significant growth driver, with credit growth reaching 12.4% year-on-year, surpassing the average annual growth rate between 2019 and 2024. This performance reflects BNI's ability to maintain momentum in expanding financing to productive sectors. On the retail side, savings deposits grew by 12.6% year-on-year, outpacing the 7.4% growth recorded in Q3 2024, demonstrating increased customer trust in BNI's digital services.

Future Outlook

With its solid Q3 2025 performance, BNI is well-positioned to maintain its positive trajectory through year-end, supported by its strong financial foundation, quality credit growth, and maturing digital ecosystem. The bank remains committed to its long-term growth strategy, focusing on digital innovation, operational efficiency, and expansion into potential market segments.