BNI Financial Performance Update: November 2025

Profitability Analysis

BNI (BBNI) recorded a net profit of Rp18.62 trillion for the first eleven months of 2025, representing a slight decrease from Rp19.18 trillion in the same period of 2024. The bank's financial performance shows mixed results with both positive growth and areas of concern.

Key Financial Highlights

• Net Interest Income (NII): Rp35.43 trillion
• Total Credit Disbursed: Rp822.59 trillion, up 11.23% YoY
• Third-Party Funds (DPK): Rp951.58 trillion, up 21.41% YoY
• Interest Expenses: Rp25.74 trillion, up 11.01% YoY
• Interest Income: Rp61.18 trillion, up 4.04% YoY

Business Segment Performance

Credit and Lending

BNI's credit disbursement reached Rp822.59 trillion by November 2025, marking an 11.23% increase from Rp739.53 trillion in November 2024. This growth indicates the bank's continued focus on expanding its lending activities.

Deposit and Funding

The bank's third-party funds (DPK) grew significantly to Rp951.58 trillion, a 21.41% increase from Rp783.78 trillion in the previous year. The growth was primarily driven by:

• Deposits: Rp297.86 trillion, up 32.72% YoY
• Current Accounts: Rp384.41 trillion, up 21.53% YoY
• Savings Accounts: Rp269.30 trillion, up 10.81% YoY

Analyst Insights

Trioksa Siahaan, Senior Vice President of LPPI, noted that while BNI's financial performance shows positive growth in key areas, the bank's reliance on high-cost deposits and operational inefficiencies remain significant challenges. He suggests that achieving substantial profit growth will require significant operational cost efficiency improvements.

Conclusion

BNI's financial results for the first 11 months of 2025 demonstrate the bank's ability to grow its loan portfolio and mobilize deposits. However, the slight decrease in net profit highlights the need for better cost management and operational efficiency to maintain profitability in a competitive banking environment.