BNI posted 24.40 percent loan growth: BNI stock sits 27.91 percent below its high

Published on 10/08/2026 at 10:29 | Editorial responsibility: Rafael Müller, Editor-in-Chief AD HOC NEWS

Pre-provision profit rose 14.50 percent to IDR 18.50 trillion in first-half 2026. BNI stock costs EUR 0.17 on October 8, 2026, unchanged versus EUR 0.17.

BNI, ID1000096605, Illustration mit AI erstellt.

BNI (ID1000096605) had recorded 24.40 percent year-over-year loan growth to IDR 968.50 trillion in the first half of 2026, while its IDX price of IDR 3,410.00 sat 27.91 percent below the IDR 4,730.00 52-week high on October 8, 2026. According to Indonesia Business Post on October 5, 2026, the bank led Indonesia's four state-owned banks in loan growth. The combination of rapid credit expansion and weaker lending yields leaves execution, rather than loan demand, as the key financial question.

Loan growth supports first-half profit

BNI's corporate loans rose 24.50 percent year over year to IDR 542.70 trillion in the first half of 2026, while middle-market lending increased 62.00 percent to IDR 170.00 trillion, according to Indonesia Business Post.

That volume translated into pre-provision operating profit of IDR 18.50 trillion, up 14.50 percent year over year, while net profit increased 6.60 percent to IDR 10.76 trillion in the same period. Net interest income also rose 14.20 percent to IDR 22.29 trillion, giving the earnings profile a clear volume component.

Margins temper the credit momentum

The counterweight was visible in the same first-half report. BNI's blended loan yield declined to 6.90 percent from 7.30 percent a year earlier, while provisioning expenses rose 42.10 percent to IDR 5.38 trillion.

NH Korindo maintained an Overweight recommendation, raised its 2026 net profit estimate from IDR 20.66 trillion to IDR 21.62 trillion, and set a target price of IDR 4,100 per share, according to Indonesia Business Post on October 5, 2026. The target lies 20.23 percent above the IDX price of IDR 3,410.00 on October 8, 2026, but the valuation case depends on funding costs and asset quality.

BNI stock remains unchanged in euros

BNI stock was trading at EUR 0.17 at Lang & Schwarz on October 8, 2026 at 10:15 a.m. CEST, unchanged versus the prior close of EUR 0.17 on October 7, 2026. The primary-market quote was last at IDR 3,410.00 on the IDX on October 8, 2026 at 3:17 p.m. WIB, while market capitalization stood at IDR 127.2 trillion as of the same date. The further course of trading is shown by the continuously updated real-time quote of BNI stock.