PT Bank Negara Indonesia (Persero) Tbk. or BBNI has recorded consolidated lending of IDR 634.3 trillion in the first quarter of 2023, up 7.2 percent on an annual basis (year on year/yoy). BNI Finance Director Novita Widya Anggraini said that the credit growth performance in the first quarter of 2023 was driven by the private corporate segment which grew 21.2 percent yoy to IDR 234 trillion. Then, the enterprise or large commercial segment rose 13.2 percent yoy to IDR 52.2 trillion. Novita said that this year the company has consistently continued its strategy of lending to grow in priority segments, namely to top tier debtors starting from the corporate segment and its business derivatives.
"The dynamics of business and the economy and the recent recovery of the national economy after the pandemic has forced BNI to be careful in identifying business growth engines that are ready to expand," said Novita in a press conference on Tuesday (18/4/2023).
Other credit segments also continued to grow. Distribution of people's business credit (KUR), for example, grew 7.8 percent yoy to IDR 50.1 trillion per quarter I/2023.
BNI's loans to the consumer segment as a whole also grew 11.9 percent yoy to IDR 113.4 trillion in the first quarter of 2023. For this segment, personal loans and mortgages (KPR) became growth engines, increasing 19.2 percent yoy and 8 percent yoy respectively.
BNI also recorded a decrease in credit to debtors affected by the pandemic along with recovery. It was recorded that the credit restructuring portfolio due to Covid-19 as of the end of March 2023 remained at IDR 45.8 trillion, or only 7.3 percent of total credit, decreased compared to quarter I/2022 which still reached 12 percent of total credit.
Novita said the depreciation of the Covid-19 restructuring credit mainly came from the sectors most affected by the pandemic, such as restaurants, hotels, textiles and construction. "We are of course very grateful that the restructuring loan portfolio affected by the pandemic continues to decline. The decline came from sectors that were most affected by the pandemic and indicated that the debtor's business was starting to recover," said Novita.
Along with credit growth, BNI was also noted to be able to maintain asset quality. BNI's gross non-performing loan (NPL) ratio fell from 3.46 percent in the first quarter of 2022 to 2.77 percent in the first quarter of 2023.
Meanwhile net NPL fell from 0.7 percent in the first three months of 2022 to 0.53 percent in the first three months of this year.
Credit growth was also able to drive an increase in consolidated assets by 8.6 percent yoy to IDR 1,012.36 trillion in the first quarter of 2023.
BNI itself managed to record a consolidated net profit of IDR 5.2 trillion in the first quarter of 2023, up 31.8 percent yoy.
Deputy Main Director of BNI, Adi Sulistyowati, said that the achievement in the first quarter of 2023 was in line with the company's vision to grow healthily and sustainably in the long term. The Company continues to carry out a selective and measurable growth strategy so that it consistently produces quality performance growth.
"We are grateful that the performance of the first quarter of 2023 can start well, which will certainly make us even more optimistic to record even better performance than the previous year," said the woman who is familiarly called Susi.
