{"id":27262,"date":"2026-09-10T11:34:58","date_gmt":"2026-09-10T04:34:58","guid":{"rendered":"https:\/\/businessupdate.id\/?p=27262"},"modified":"2026-09-10T11:34:59","modified_gmt":"2026-09-10T04:34:59","slug":"strategi-bni-raih-pertumbuhan-kredit-10-persen-pada-2026","status":"publish","type":"post","link":"https:\/\/businessupdate.id\/?p=27262","title":{"rendered":"Strategi BNI Raih Pertumbuhan Kredit 10 Persen pada 2026"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">BusinessUpdate &#8211; PT Bank Negara Indonesia (Persero) Tbk (BBNI) atau BNI menargetkan pertumbuhan kredit sebesar 8-10% hingga akhir 2026. Salah satu strategi yang disiapkan BNI adalah menjaga momentum pertumbuhan kredit melalui optimalisasi platform digital.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Direktur Finance &amp; Strategy BNI Hussein Paolo Kartadjoemena mengatakan, optimisme tersebut didasari oleh momentum pertumbuhan dan permintaan kredit yang masih cukup kuat, didukung oleh kecukupan modal dan likuiditas yang memadai. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cUntuk target <em>full year <\/em>adalah di 8 hingga 10% secara <em>year on year<\/em>,\u201d kata Paolo dalam Public Expose 2026, Jakarta, Rabu (9\/9\/2026). Hingga semester I\/2026, total kredit BNI mencapai Rp968,5 triliun. Realisasi tersebut tumbuh 7,7% secara<em> year to date<\/em> (YTD) dan meningkat 24,4% secara tahunan. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Di tengah pertumbuhan kredit, BNI memperkirakan margin bunga bersih atau <em>net interest margin<\/em> (NIM) masih mengalami tekanan sepanjang 2026 yang dipengaruhi persaingan suku bunga kredit di industri perbankan serta kenaikan biaya dana pihak ketiga (DPK). <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#8220;NIM memang sedikit mengalami tekanan di tahun 2026 karena persaingan suku bunga kredit di industri dan juga kenaikan biaya dana pihak ketiga. Kami memproyeksikan n<em>et interest margin<\/em> akan ada di kisaran 3,3-3,5% untuk tahun 2026,&#8221; jelasnya. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tekanan terhadap NIM tersebut dapat diimbangi dengan pertumbuhan kredit yang kuat. Hal itu tecermin dari laba inti atau <em>pre-provision operating profit<\/em> (PPOP) yang tumbuh 14,5% secara tahunan pada semester I\/2026. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Memasuki semester II\/2026, BNI memperkirakan kondisi <em>operating impairment<\/em> masih cukup dinamis. Oleh karena itu, perseroan akan menjadikan permodalan dan likuiditas sebagai salah satu fokus utama. Salah satu strategi yang disiapkan BNI adalah menjaga momentum pertumbuhan kredit melalui optimalisasi platform digital. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">BNI akan mengoptimalkan platform wondr by BNI maupun BNI Direct untuk menjaga biaya dana atau <em>cost of fund<\/em>. Selain itu, perseroan juga akan lebih selektif dalam menyalurkan kredit dengan tetap mengedepankan prinsip kehati-hatian dan menyesuaikan dengan kondisi likuiditas. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">BNI juga akan menjaga disiplin penetapan harga kredit atau <em>pricing<\/em> untuk mempertahankan margin. &#8220;Dengan strategi ini kami optimistis akan mencapai target pertumbuhan (kredit) di kisaran 8-10% untuk <em>loan<\/em> dengan <em>net interest margin<\/em> di kisaran 3,3-3,5%,&#8221; tutupnya. (pa\/jh. Foto: Dok. BNI)<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>BusinessUpdate &#8211; PT Bank Negara Indonesia (Persero) Tbk (BBNI) atau BNI menargetkan pertumbuhan kredit sebesar 8-10% hingga akhir 2026. Salah satu strategi yang disiapkan BNI adalah menjaga momentum pertumbuhan kredit melalui optimalisasi platform digital. Direktur Finance &amp; Strategy BNI Hussein Paolo Kartadjoemena mengatakan, optimisme tersebut didasari oleh momentum pertumbuhan dan permintaan kredit yang masih cukup [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":6394,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[84],"tags":[11492,266,12864],"class_list":["post-27262","post","type-post","status-publish","format-standard","has-post-thumbnail","category-bank","tag-bank-negara-indonesia","tag-bni","tag-penyaluran-kredit"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.5.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Strategi BNI Raih Pertumbuhan Kredit 10 Persen pada 2026 - 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=27262\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Strategi BNI Raih Pertumbuhan Kredit 10 Persen pada 2026 - Businessupdate.id\" \/>\n<meta property=\"og:description\" content=\"BusinessUpdate &#8211; PT Bank Negara Indonesia (Persero) Tbk (BBNI) atau BNI menargetkan pertumbuhan kredit sebesar 8-10% hingga akhir 2026. Salah satu strategi yang disiapkan BNI adalah menjaga momentum pertumbuhan kredit melalui optimalisasi platform digital. Direktur Finance &amp; Strategy BNI Hussein Paolo Kartadjoemena mengatakan, optimisme tersebut didasari oleh momentum pertumbuhan dan permintaan kredit yang masih cukup [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/businessupdate.id\/?p=27262\" \/>\n<meta property=\"og:site_name\" content=\"Businessupdate.id\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/profile.php?id=100088795961927\" \/>\n<meta property=\"article:published_time\" content=\"2026-09-10T04:34:58+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-09-10T04:34:59+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/businessupdate.id\/wp-content\/uploads\/2023\/05\/kantor-BNI.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1600\" \/>\n\t<meta property=\"og:image:height\" content=\"1200\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Premieri A\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@EnterpriseMse\" \/>\n<meta name=\"twitter:site\" content=\"@EnterpriseMse\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Premieri A\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/businessupdate.id\/?p=27262\",\"url\":\"https:\/\/businessupdate.id\/?p=27262\",\"name\":\"Strategi BNI Raih Pertumbuhan Kredit 10 Persen pada 2026 - Businessupdate.id\",\"isPartOf\":{\"@id\":\"https:\/\/businessupdate.id\/#website\"},\"datePublished\":\"2026-09-10T04:34:58+00:00\",\"dateModified\":\"2026-09-10T04:34:59+00:00\",\"author\":{\"@id\":\"https:\/\/businessupdate.id\/#\/schema\/person\/39a407b879699c9dfc68b893045cd07e\"},\"breadcrumb\":{\"@id\":\"https:\/\/businessupdate.id\/?p=27262#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/businessupdate.id\/?p=27262\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/businessupdate.id\/?p=27262#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/businessupdate.id\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Strategi BNI Raih Pertumbuhan Kredit 10 Persen pada 2026\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/businessupdate.id\/#website\",\"url\":\"https:\/\/businessupdate.id\/\",\"name\":\"Businessupdate.id\",\"description\":\" \",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/businessupdate.id\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/businessupdate.id\/#\/schema\/person\/39a407b879699c9dfc68b893045cd07e\",\"name\":\"Premieri A\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/businessupdate.id\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/6ef707773e9166331976e40c3975862c82a2bdf65aa2185282dd7c4be2a1c87e?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/6ef707773e9166331976e40c3975862c82a2bdf65aa2185282dd7c4be2a1c87e?s=96&d=mm&r=g\",\"caption\":\"Premieri A\"},\"sameAs\":[\"http:\/\/businessupdate.id\"],\"url\":\"https:\/\/businessupdate.id\/?author=5\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Strategi BNI Raih Pertumbuhan Kredit 10 Persen pada 2026 - Businessupdate.id","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/businessupdate.id\/?p=27262","og_locale":"en_US","og_type":"article","og_title":"Strategi BNI Raih Pertumbuhan Kredit 10 Persen pada 2026 - Businessupdate.id","og_description":"BusinessUpdate &#8211; PT Bank Negara Indonesia (Persero) Tbk (BBNI) atau BNI menargetkan pertumbuhan kredit sebesar 8-10% hingga akhir 2026. 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