PT Bank Negara Indonesia (Persero) Tbk — Cyborg Score 8/10

Strategic Profile

BNI is optimistic about positive performance in 2026 with strong liquidity and capital to drive credit growth. The bank achieved 28.9% CASA growth in 2025, supported by 43.8% giro growth and 11.2% savings growth. Strategic initiatives include acquiring Bank Mayora (renamed Hibank in 2023) to focus on MSME digital banking.

Cyborg Score Rationale

BNI recorded 15.9% credit growth through 2025 with a capital adequacy ratio of 20.7%, well above regulatory requirements. BNIdirect platform grew transaction values and user base by over 25% YoY, demonstrating digital transformation strength.

Top Insights

• Strong CASA growth (28.9% in 2025) indicates stable, low-cost funding advantage vs. competitors
• Well-capitalized with 20.7% CAR provides significant room for credit expansion and risk absorption
• Digital transformation through BNIdirect and Hibank subsidiary targeting underserved MSME segment
• Recent JCB awards recognition signals premium customer experience and product innovation momentum

Named Competitors

• BCA — Leading private commercial bank in Indonesia
• Mandiri — State-owned competitor with large corporate focus
• Hibank — BNI's digital MSME-focused subsidiary

Recent Developments

• (February 2026) Won three awards at JCB Indonesia Awards 2026 for card acquisition, new products, and customer experience
• (February 2026) Demonstrated strong liquidity and capital strength with optimistic 2026 outlook
• (2025) Achieved 15.9% credit growth with 28.9% CASA growth, led by 43.8% giro expansion
• (2023) Rebranded acquired Bank Mayora to Hibank to focus on digital banking for MSMEs

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