{"id":28109,"date":"2026-10-27T13:23:02","date_gmt":"2026-10-27T06:23:02","guid":{"rendered":"https:\/\/businessupdate.id\/?p=28109"},"modified":"2026-10-27T13:23:15","modified_gmt":"2026-10-27T06:23:15","slug":"kuartal-iii-2026-bni-raih-laba-bersih-rp161-triliun","status":"publish","type":"post","link":"https:\/\/businessupdate.id\/?p=28109","title":{"rendered":"Kuartal III\/2026 BNI Raih Laba Bersih Rp16,1 Triliun"},"content":{"rendered":"\n

BusinessUpdate – <\/strong>PT Bank Negara Indonesia (Persero) Tbk atau BNI membukukan laba bersih sebesar Rp16,1 triliun hingga kuartal III\/2026, meningkat 6,6% secara tahunan (yoy). Laba operasional sebelum pencadangan atau pre-provision operating profit<\/em> (PPOP) juga tumbuh 11,6% yoy menjadi Rp27,5 triliun. <\/p>\n\n\n\n

Direktur Utama BNI Putrama Wahju Setyawan mengatakan, perseroan menjaga pertumbuhan bisnis melalui penguatan fundamental dan pengelolaan risiko. <\/p>\n\n\n\n

“Di tengah dinamika pasar yang menantang, BNI tetap menjaga momentum pertumbuhan dengan mengedepankan prinsip kehati-hatian dan disiplin dalam pengelolaan risiko. Fokus kami adalah memperkuat fundamental dan produktivitas untuk menciptakan pertumbuhan yang berkualitas dan berkelanjutan,” ujar Putrama dalam keterangan tertulis, Selasa (27\/10\/2026). <\/p>\n\n\n\n

Dari sisi intermediasi, kredit BNI meningkat 22,2% yoy menjadi Rp992,5 triliun hingga September 2026. Pertumbuhan tersebut didukung penyaluran kredit di seluruh segmen. Dana murah atau current account savings account<\/em> (CASA) meningkat 19,6% yoy menjadi Rp733,7 triliun. <\/p>\n\n\n\n

Pertumbuhan kredit dan CASA turut mendorong pendapatan bunga bersih atau net interest income<\/em> (NII) menjadi Rp33,2 triliun, naik 13,6% yoy. Sementara itu, pendapatan berbasis komisi atau fee-based income<\/em> tumbuh 8,3% yoy menjadi Rp13,9 triliun. <\/p>\n\n\n\n

Direktur Finance & Strategy BNI Hussein Paolo Kartadjoemena menjelaskan, ekspansi kredit dilakukan secara selektif dengan menerapkan standar analisis kelayakan kredit atau underwriting yang disiplin. Strategi tersebut mendorong pangsa pasar kredit BNI meningkat 113 basis poin (bps) secara tahunan menjadi 10,6%. <\/p>\n\n\n\n

Dari sisi pendanaan, penguatan layanan perbankan transaksi melalui BNIdirect dan wondr by BNI turut mendorong pertumbuhan CASA. Hingga September 2026, giro BNI tumbuh 25,9% yoy, melampaui pertumbuhan industri sebesar 9,8% berdasarkan data Agustus 2026. Pangsa pasar giro meningkat 120 bps menjadi 13,2%, sedangkan pangsa pasar tabungan naik 10 bps menjadi 9,2%. <\/p>\n\n\n\n

Capaian tersebut didukung pertumbuhan tabungan BNI sebesar 11,6% yoy. Meski demikian, margin bunga bersih atau net interest margin<\/em> (NIM) BNI turun 30 bps menjadi 3,5%, sejalan dengan penurunan NIM industri perbankan. Penurunan tersebut terutama dipengaruhi penyesuaian imbal hasil kredit atau loan yield<\/em> dari 7,3% menjadi 6,9%. <\/p>\n\n\n\n

Di sisi lain, biaya dana atau cost of fund<\/em> (CoF) relatif terkendali dan turun dari 2,83% menjadi 2,77%, didukung pertumbuhan CASA. “Pertumbuhan kredit yang selektif dan penguatan dana murah menjadi bagian penting dalam menjaga keseimbangan antara ekspansi bisnis dan profitabilitas,” tutur Paolo. <\/p>\n\n\n\n

Sementara itu, Direktur Risk Management BNI David Pirzada menambahkan, kualitas aset perseroan terus membaik. Rasio loan at risk <\/em>(LaR) turun dari 10,4% menjadi 7,8%, sedangkan rasio kredit bermasalah atau non-performing loan<\/em> (NPL) gross menurun dari 2% menjadi 1,9%. BNI juga menjaga rasio total pencadangan terhadap kredit sebesar 3,8%, lebih tinggi dibandingkan rata-rata industri sebesar 3,5%. Sedangkan, rasio pencadangan terhadap NPL atau NPL coverage ratio tercatat sebesar 193,3%. <\/p>\n\n\n\n

Dari sisi likuiditas, rasio kredit terhadap simpanan atau loan to deposit ratio<\/em> (LDR) BNI tercatat sebesar 87,9%. Rasio kecukupan likuiditas atau liquidity coverage ratio<\/em> (LCR) mencapai 143,4%, sedangkan Net Stable Funding Ratio<\/em> (NSFR) sebesar 128,4%. Rasio kecukupan modal atau Capital Adequacy Ratio<\/em> (CAR) BNI mencapai 19,2%. Rasio tersebut memberikan ruang bagi perseroan untuk melanjutkan ekspansi bisnis sekaligus mengantisipasi potensi risiko. (pa\/jh. Foto: Dok. BNI)<\/p>\n\n\n\n

<\/p>\n\n\n\n

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

BusinessUpdate – PT Bank Negara Indonesia (Persero) Tbk atau BNI membukukan laba bersih sebesar Rp16,1 triliun hingga kuartal III\/2026, meningkat 6,6% secara tahunan (yoy). Laba operasional sebelum pencadangan atau pre-provision operating profit (PPOP) juga tumbuh 11,6% yoy menjadi Rp27,5 triliun. Direktur Utama BNI Putrama Wahju Setyawan mengatakan, perseroan menjaga pertumbuhan bisnis melalui penguatan fundamental dan […]<\/p>\n","protected":false},"author":5,"featured_media":933,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[84],"tags":[11492,266,377,1775,2410],"class_list":["post-28109","post","type-post","status-publish","format-standard","has-post-thumbnail","category-bank","tag-bank-negara-indonesia","tag-bni","tag-keuangan","tag-kinerja","tag-laba-bersih"],"yoast_head":"\nKuartal III\/2026 BNI Raih Laba Bersih Rp16,1 Triliun - 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=28109\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Kuartal III\/2026 BNI Raih Laba Bersih Rp16,1 Triliun - Businessupdate.id\" \/>\n<meta property=\"og:description\" content=\"BusinessUpdate – PT Bank Negara Indonesia (Persero) Tbk atau BNI membukukan laba bersih sebesar Rp16,1 triliun hingga kuartal III\/2026, meningkat 6,6% secara tahunan (yoy). Laba operasional sebelum pencadangan atau pre-provision operating profit (PPOP) juga tumbuh 11,6% yoy menjadi Rp27,5 triliun. 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