BNI stock reports 6.9 percent profit growth through August 2026

Published on 10/07/2026 at 10:07 | Editorial responsibility: Rafael Müller, Editor-in-Chief AD HOC NEWS

BNI stock was last at IDR 3,440 on October 7, 2026, after loans reached IDR 977.17 trillion through August. Net interest margin stood at 3.4 percent.

BNI, ID1000096605, Illustration mit AI erstellt.

BNI (ISIN ID1000096605) generated bank-only net profit of IDR 14.33 trillion through August 2026, up 6.9 percent from the same period a year earlier. Kompas.com reported the August figures on September 17, 2026, giving the earnings trend a concrete operating backdrop. BNI stock was last at IDR 3,440 on the IDX on October 7, 2026 at 2:54 p.m. WIB, down 0.58 percent from the prior session.

Loans outpace profit growth

BNI's lending reached IDR 977.17 trillion through August 2026, a 27.1 percent year-over-year increase from IDR 768.60 trillion. Deposits rose 29.4 percent to IDR 1,124.71 trillion, including a 63.7 percent increase in time deposits to IDR 389.94 trillion.

The balance-sheet expansion was accompanied by IDR 28.88 trillion in net interest income through August. Warta Ekonomi reported that pre-provision operating profit rose 13.4 percent to IDR 23.65 trillion, while August net profit alone reached IDR 1.80 trillion, up 17.4 percent year over year.

Analyst targets stay above market

Valuation remains the main reason analysts cited for a constructive view. Warta Ekonomi reported on September 21, 2026 that KB Valbury Sekuritas maintained a buy rating and an IDR 4,720 target, based on 1.0 times projected 2026 price to book value. That target lies 37.2 percent above the October 7 price.

Kontan.co.id reported on September 24, 2026 that Maybank Sekuritas Indonesia maintained a buy rating and an IDR 4,800 target. Maybank also raised its 2026 loan-growth forecast from 8 percent to 9 percent, while identifying margin pressure and asset quality as risks.

Margin remains the counterweight

Profit growth is slower than lending growth because funding costs and provisions continue to weigh on the income statement. Net interest margin fell 26 basis points year over year to 3.4 percent through August, although the figure remained within BNI's 2026 guidance range of 3.3 percent to 3.5 percent.

Warta Ekonomi reported a 0.91 percent cost of credit for the period, below management's 1 percent to 1.2 percent 2026 guidance. The combination of fast loan growth and a contained credit cost supports earnings, while the 3.4 percent margin keeps funding costs central to the outlook.

BNI stock trades below yearly high

BNI stock was last at IDR 3,440 on the IDX on October 7, 2026, with a session range of IDR 3,440 to IDR 3,480 and volume of 11,179,900 shares. The 52-week range is IDR 2,990 to IDR 4,730, and market capitalization is IDR 128.3 trillion.