{"id":20803,"date":"2025-09-09T08:45:58","date_gmt":"2025-09-09T01:45:58","guid":{"rendered":"https:\/\/businessupdate.id\/?p=20803"},"modified":"2025-09-09T08:46:00","modified_gmt":"2025-09-09T01:46:00","slug":"bni-optimistis-pertumbuhan-kredit-pada-2025-capai-8-10-persen","status":"publish","type":"post","link":"https:\/\/businessupdate.id\/?p=20803","title":{"rendered":"BNI Optimistis Pertumbuhan Kredit pada 2025 Capai 8-10 Persen"},"content":{"rendered":"\n

BusinessUpdate –<\/strong> PT Bank Negara Indonesia (Persero) Tbk. (BBNI) atau BNI telah menyalurkan kredit sebesar Rp779 triliun hingga akhir Juni 2025 atau tumbuh 7,1% secara tahunan (yoy) dibanding periode yang sama tahun lalu. Perseroan pun optimistis dapat mencapai target pertumbuhan kredit di kisaran 8%\u201410% tahun ini. <\/p>\n\n\n\n

Head of Investor Relations BNI Yohan Setio menyampaikan berdasarkan pengalaman siklus pemberian kredit cenderung lebih berat pada semester II\/2025, terutama kuartal keempat. Pasalnya, siklus modal kerja atau siklus investasi dari perusahaan biasanya terjadi di akhir tahun. <\/p>\n\n\n\n

\u201cSehingga melihat tren sejauh ini kita masih optimis bahwa penyaluran kredit kita masih dapat mencapai target kita yaitu 8%\u201410% (yoy) pertumbuhannya,\u201d kata Yohan dalam Public Expose Live, Senin (8\/9\/2025). <\/p>\n\n\n\n

Pada paruh pertama 2025, BNI tercatat telah menyalurkan kredit sebesar Rp778,7 triliun. Realisasi itu tumbuh 7,1% (yoy) pada segmen-segmen yang berisiko rendah dan mulai terdiversifikasi di semua segmen. Capaian positif ini didorong oleh diversifikasi portofolio yang terlihat dari kontribusi berbagai segmen, mulai dari korporasi, konsumer, komersial, hingga UMKM. <\/p>\n\n\n\n

Kredit di segmen korporasi dan konsumer masih menjadi kontributor utama pertumbuhan. Kredit korporasi tumbuh 10,4% (yoy) menjadi Rp435,8 triliun, didorong oleh pembiayaan kepada swasta, BUMN, dan institusi pemerintah. <\/p>\n\n\n\n

Untuk kredit konsumer, BNI mencatat pertumbuhan sebesar 10,7% (yoy) menjadi Rp147,0 triliun, terutama dari personal loan<\/em> (tumbuh 11,7% yoy) dan KPR (tumbuh 9,9% yoy). <\/p>\n\n\n\n

Yohan memperkirakan, segmen korporasi masih akan menjadi kontributor utama pertumbuhan kredit hingga akhir 2025. Pasalnya, lebih dari setengah bisnis BNI berasal dari segmen korporasi. \u201cKami melihat segmen korporasi ini masih akan tumbuh kreditnya mungkin di kisaran 10%-nan,\u201d ujarnya. <\/p>\n\n\n\n

Perseroan fokus di segmen korporasi blue chip. Mengingat ekspansi bisnis di segmen ini lebih resilient<\/em>, siklus modal kerja lebih predictable<\/em>, dan tidak terlalu volatile<\/em> tergantung kondisi ekonomi. <\/p>\n\n\n\n

Lebih lanjut, Yohan menuturkan bahwa permintaan kredit masih kuat terutama dari segmen seperti fast moving consumer goods<\/em> (FMCG) dan juga segmen yang terkait dengan teknologi telekomunikasi, dalam hal ini data center dan perusahaan menara telekomunikasi. <\/p>\n\n\n\n

Dari segmen lainnya, BNI mulai melihat ruang pertumbuhan kredit lebih merata. Jika dalam beberapa tahun terakhir Perseroan menekankan segmen korporasi sebagai sumber pertumbuhan utama, tahun ini BNI melihat potensi pertumbuhan di segmen UMKM dan segmen komersial atau segmen perusahaan menengah. <\/p>\n\n\n\n

Kredit di segmen UMKM dan komersial dapat tumbuh lagi meski tidak terlalu agresif. Untuk kedua segmen ini, BNI menargetkan pertumbuhan pada rentang 5%\u201410%, sembari terus memonitor kondisi kualitas aset. <\/p>\n\n\n\n

Untuk segmen konsumen, secara umum BBNI menargetkan pertumbuhan di kisaran 10% saja. Mengingat kondisi ekonomi yang tidak terlalu kuat yakni hanya tumbuh di kisaran 5%, sementara BNI terus mengedepankan aspek hati-hatian. (pa\/jh)<\/p>\n\n\n\n

<\/p>\n","protected":false},"excerpt":{"rendered":"

BusinessUpdate – PT Bank Negara Indonesia (Persero) Tbk. (BBNI) atau BNI telah menyalurkan kredit sebesar Rp779 triliun hingga akhir Juni 2025 atau tumbuh 7,1% secara tahunan (yoy) dibanding periode yang sama tahun lalu. Perseroan pun optimistis dapat mencapai target pertumbuhan kredit di kisaran 8%\u201410% tahun ini. Head of Investor Relations BNI Yohan Setio menyampaikan berdasarkan […]<\/p>\n","protected":false},"author":5,"featured_media":6394,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[84,46],"tags":[426,644,266,325,765,544,355],"class_list":{"0":"post-20803","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-bank","8":"category-economic","9":"tag-bank","10":"tag-bbni","11":"tag-bni","12":"tag-indonesia","13":"tag-kredit","14":"tag-negara","15":"tag-pertumbuhan"},"yoast_head":"\nBNI Optimistis Pertumbuhan Kredit pada 2025 Capai 8-10 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=20803\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"BNI Optimistis Pertumbuhan Kredit pada 2025 Capai 8-10 Persen - Businessupdate.id\" \/>\n<meta property=\"og:description\" content=\"BusinessUpdate – PT Bank Negara Indonesia (Persero) Tbk. (BBNI) atau BNI telah menyalurkan kredit sebesar Rp779 triliun hingga akhir Juni 2025 atau tumbuh 7,1% secara tahunan (yoy) dibanding periode yang sama tahun lalu. Perseroan pun optimistis dapat mencapai target pertumbuhan kredit di kisaran 8%\u201410% tahun ini. 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