PT Bank Negara Indonesia (Persero) Tbk, or BNI, has made remarkable strides in the banking industry despite challenging conditions, thanks to its digital transformation and international network expansion. Recently, BNI earned the prestigious Outstanding Banking Transformation of the Year award at the CNBC Indonesia Awards 2024. The event, held in Jakarta, recognized BNI’s substantial impact on Indonesia’s banking sector.

Agung Prabowo, Director of Wholesale & International Banking at BNI, accepted the award, emphasizing that it recognizes BNI's ongoing transformation efforts. "This award inspires us to continue moving forward, ensuring that BNI delivers its best for Indonesia," Agung stated.

A key element of BNI's transformation is its focus on digitalization across its banking services. The bank has introduced its flagship mobile banking app, wondr by BNI, which integrates three financial tools: Transaction, Insight, and Growth. These features are designed to help users manage their finances, plan for the future, and grow their assets.

This digital approach has enabled BNI to reach more customers and increase its asset growth, directly contributing to its domestic and international market position. In addition, BNI continues to focus on enhancing its corporate governance, aiming for sustainable growth through good corporate practices.

BNI Finance, the bank's subsidiary, is focusing on digitalization in 2025 as part of its broader strategy. The company plans to distribute Rp6.25 trillion in financing, marking a 20% increase from last year. To achieve this goal, BNI Finance is enhancing its marketing, credit, and collection systems through digital tools while maintaining a physical marketing network, especially with vehicle dealers, as reported by Bisnis.com.

BNI Finance’s transformation aligns with BNI’s overall strategy to build synergies with its parent company. By tapping into the retail and corporate segments of BNI’s customer base, BNI Finance expects to strengthen its financing position.

Looking at industry trends, the Financial Services Authority (OJK) has noted an increase in financing receivables, and while there was a slight rise in non-performing financing (NPF), it remains well below the OJK’s threshold of 5%.

PHOTO: BNI

This article was created with AI assistance.