{"id":19969,"date":"2025-07-25T09:46:06","date_gmt":"2025-07-25T02:46:06","guid":{"rendered":"https:\/\/businessupdate.id\/?p=19969"},"modified":"2025-07-25T09:46:08","modified_gmt":"2025-07-25T02:46:08","slug":"laba-bersih-bni-semester-i-2025-sebesar-rp1009-triliun-turun-558-persen","status":"publish","type":"post","link":"https:\/\/businessupdate.id\/?p=19969","title":{"rendered":"Laba Bersih BNI Semester I\/2025 Sebesar Rp10,09 Triliun, Turun 5,58 Persen"},"content":{"rendered":"\n<p><strong>BusinessUpdate &#8211;<\/strong> PT Bank Negara Indonesia (Persero) Tbk. atau BNI mencetak laba bersih yang dapat diatribusikan kepada pemilik sebesar Rp10,09 triliun pada semester I\/2025. Nilai tersebut terkoreksi 5,58% secara tahunan (yoy) dibandingkan periode yang sama tahun sebelumnya sebesar Rp10,69 triliun.<\/p>\n\n\n\n<p>Berdasarkan laporan keuangan perseroan, pendapatan bunga bersih BNI tumbuh 2,33% yoy dari Rp19,07 triliun menjadi Rp19,51 triliun hingga paruh pertama tahun ini. <\/p>\n\n\n\n<p>Namun, tekanan terjadi pada sejumlah pos pendapatan seperti pendapatan komisi turun 2,20% yoy menjadi Rp4,84 triliun, sementara pendapatan lainnya juga menyusut 1,01% yoy menjadi Rp2,83 triliun. <\/p>\n\n\n\n<p>Pada saat bersamaan, beban pencadangan alias impairment naik 9,82% menjadi Rp3,71 triliun. Terkait fungsi intermediasi, BNI tercatat menyalurkan kredit sebesar Rp778,68 triliun per semester I\/2025, meningkat 7,11% yoy dari Rp726,98 triliun. <\/p>\n\n\n\n<p>Aset perseroan naik 12,05% yoy menjadi Rp1.201,65 triliun dari sebelumnya Rp1.072,45 triliun. Dari sisi kualitas aset, rasio kredit bermasalah atau <em>non-performing loan<\/em> (NPL) gross membaik dari 1,98% menjadi 1,95%. NPL net naik tipis dari 0,62% menjadi 0,69%. <\/p>\n\n\n\n<p>Terkait pendanaan, dana pihak ketiga (DPK) yang dihimpun BNI meningkat 16,51% yoy menjadi Rp899,86 triliun per semester I\/2025, dari sebelumnya Rp772,32 triliun. Dana murah alias <em>current account saving account <\/em>(CASA) naik 18,67% yoy menjadi Rp647,55 triliun. Deposito juga tumbuh 11,33% yoy ke angka Rp252,31 triliun. <\/p>\n\n\n\n<p>Rasio kinerja lainnya, margin bunga bersih (<em>net interest income<\/em>\/NIM) BNI menurun dari 4,02% menjadi 3,83% . Rasio beban operasional terhadap pendapatan operasional (BOPO) BNI naik dari 69,43% menjadi 71,36%. Imbal aset (<em>return on asset<\/em>\/ROA) menyusut tipis dari 2,46% ke 2,23%, sebagaimana imbal ekuitas (<em>return on equity<\/em>\/ROE) yang bergerak dari 16,29% menjadi 14,24%. (pa\/jh)<\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>BusinessUpdate &#8211; PT Bank Negara Indonesia (Persero) Tbk. atau BNI mencetak laba bersih yang dapat diatribusikan kepada pemilik sebesar Rp10,09 triliun pada semester I\/2025. Nilai tersebut terkoreksi 5,58% secara tahunan (yoy) dibandingkan periode yang sama tahun sebelumnya sebesar Rp10,69 triliun. Berdasarkan laporan keuangan perseroan, pendapatan bunga bersih BNI tumbuh 2,33% yoy dari Rp19,07 triliun menjadi [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":18929,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[84],"tags":[426,644,1370,266,325,377,553,544],"class_list":{"0":"post-19969","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-bank","8":"tag-bank","9":"tag-bbni","10":"tag-bersih","11":"tag-bni","12":"tag-indonesia","13":"tag-keuangan","14":"tag-laba","15":"tag-negara"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.5.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Laba Bersih BNI Semester I\/2025 Sebesar Rp10,09 Triliun, Turun 5,58 Persen - Businessupdate.id<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/businessupdate.id\/?p=19969\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Laba Bersih BNI Semester I\/2025 Sebesar Rp10,09 Triliun, Turun 5,58 Persen - Businessupdate.id\" \/>\n<meta property=\"og:description\" content=\"BusinessUpdate &#8211; PT Bank Negara Indonesia (Persero) Tbk. atau BNI mencetak laba bersih yang dapat diatribusikan kepada pemilik sebesar Rp10,09 triliun pada semester I\/2025. Nilai tersebut terkoreksi 5,58% secara tahunan (yoy) dibandingkan periode yang sama tahun sebelumnya sebesar Rp10,69 triliun. 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