Executive Summary

Key insights and market outlook

PT Bank Negara Indonesia (Persero) Tbk (BBNI) has received a mandate to disburse 17,356 FLPP mortgages in 2026, continuing its support for the government's '3 Million Homes Program' ¹

²³. This commitment follows BNI's participation in a mass FLPP mortgage agreement ceremony for 50,030 housing units in 2025 ¹. The bank remains committed to providing affordable housing finance to low-income households through its extensive national network.

Full Analysis

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Deep Dive Analysis

BNI Continues Support for National Housing Program Through FLPP Mortgages

Enhanced Commitment to Affordable Housing

PT Bank Negara Indonesia (Persero) Tbk (BBNI) has reaffirmed its commitment to supporting the Indonesian government's national housing agenda through the Fasilitas Likuiditas Pembiayaan Perumahan (FLPP) mortgage program ¹

²³. The bank has been mandated to disburse 17,356 FLPP mortgages in 2026, building on its successful participation in the 2025 program where it helped facilitate 50,030 housing units ¹.

Mass Agreement Ceremony Highlights

The 2025 FLPP program was marked by a significant mass agreement ceremony that was held in hybrid format, centered at Perumahan Pondok Banten Indah in Serang, Banten ¹

². The event saw 300 on-site agreements and 49,730 online agreements across 33 provinces and 110 regencies/cities, demonstrating the program's extensive national reach ¹. Key government officials attended the ceremony, including President Prabowo Subianto and Minister of Public Housing Maruarar Sirait ².

Strategic Partnerships and Implementation

BNI's participation in the FLPP program is part of its broader role as a development agent in the housing sector. The bank signed a cooperation agreement with the Ministry of Public Housing and BP Tapera on December 23, 2025, alongside 43 other banks ²

³. BNI was among the top 10 banks with the largest FLPP quotas, reflecting its significant role in the program ².

Future Plans and Optimism

"With our national network and close synergy with BP Tapera and the Ministry of Public Housing, we are optimistic that the 2026 FLPP distribution will be on target, prudent, and provide ease for low-income communities to own their first homes," said Rian Eriana Kaslan, BNI's Director of Network & Retail Funding ²

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References