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BBNI: 3Q25 Earnings Down -11% YoY, Margin Guidance Revised Lower

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Algo Research Team

Company | Oct 26, 2025 | Views: 233

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Key Summary:

  • Lower net interest margin as funding costs stay elevated
  • Provision expense surged on deteriorating asset quality
  • Loan growth driven by corporate and medium segments

Bank Negara Indonesia (BBNI) recently released its 3Q25 financial report, which came slightly below consensus expectations as it continued to face rising funding costs and deteriorating asset quality.


See the results: BBNI reported a net profit of IDR 5 trillion in 3Q25 (+6.5% QoQ, -10.6% YoY), bringing its cumulative 9M25 figure to IDR 15.1 trillion, down -7.3% YoY.

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