BNI's Strategic Shift: Fee-Based Income Leads Banking Performance

Digital-Driven Revenue Diversification

PT Bank Negara Indonesia (BNI) has demonstrated a strategic shift in its revenue generation model, with fee-based income emerging as a crucial performance driver in 2025. The bank reported a 7.91% year-on-year growth in fee-based income to Rp 18.47 trillion, successfully offsetting the challenges in interest income growth. This performance highlights BNI's ability to adapt to the competitive lending environment while maintaining revenue stability.

Key Drivers of Fee-Based Income Growth

BNI's digital platform has played a pivotal role in driving fee-based income, with four key digital-related lines directly contributing to this growth. According to Hussein Paolo Kartadjoemena, BNI's Director, these digital channels accounted for 30% of the bank's total fee-based income. This significant contribution underscores the bank's successful integration of digital capabilities into its revenue generation strategy.

Interest Income Dynamics

While fee-based income showed robust growth, BNI's net interest income experienced a marginal decline of 0.95% year-on-year to Rp 32.35 trillion. This decrease reflects the challenges posed by competitive lending rates in the banking sector. However, the bank's ability to grow fee-based income has helped maintain overall financial stability.

Strategic Implications

The performance data indicates BNI's strategic focus on diversifying its revenue streams beyond traditional interest income. By leveraging digital platforms and expanding fee-based services, the bank has created a more resilient financial structure. This approach not only helps in managing interest rate risks but also positions BNI favorably in a competitive banking landscape.