Bank Negara Indonesia logs 1% YoY net profit rise to ID$5.4t in Q1

Operating expenses increased 4.3% YoY in Q1 2025.

Bank Negara Indonesia (BNI) saw its net profit rise 1% year-on-year (YoY) to IDR5.4t in Q1 2025.

Net interest income (NII) is 4.7% YoY higher, but a decline of 10.9% compared to Q4 2024. Operating expenses increase 4.3% YoY in Q1 2025.

Net interest margin (NIM) declined 10 basis points (bp) in Q1 2025 compared to the same quarter in 2024. This is due to the bank’s loan yield dropping 10 bp YoY and 50 bp quarter-on-quarter (QoQ).

Corporate loan yield stood at 6% in Q1 2025.

Loans grew 10% YoY during the quarter but are 1.3% QoQ lower.

Nonperforming loans (NPL) ratio was 2% in March 2025.

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