PT Bank Negara Indonesia (Persero) Tbk (PTBRY) Q3 2025 Earnings Call Transcript

Sigit Pebrianto

Good morning, everyone. Thank you for joining BNI’s Third Quarter of 2025 Earnings Call. My name is Sigit, and I’ll be your host for today’s session. We truly appreciate your time and your continued confidence towards BNI. Today’s call provide us with an opportunity to share our progress over the past quarter, how we have navigated an evolving macroeconomic environment, maintain our solid business momentum and continue to strengthen our fundamentals across key segments.

Joining us today are members of BNI Directors. First, we have Putrama Wahju Setyawan, President Director; Ibu Alexandra Askandar, Deputy President Director; Bapa Hussein Paolo Kartadjoemena, Finance and Strategy Director; Bapa Abu Santosa Sudradjat, Treasury and International Banking Director; Bapa David Pirzada, Risk Management Director; and other members of the management team, thank you all for being here. In today’s session, we will present our financial performance for the third quarter of 2025, business strategy and outlook, focusing on our growth in the medium and SME segments, digital transformation, liquidity improvement and funding strategy and finally, our guidance for the rest of this year. [Foreign Language] sharing session. Please, Bapa Putrama.

Putrama Setyawan
President Director

Thank you, Pa Sigit. Good morning, analysts and investors. Thank you for joining BNI’s third quarter earnings call. We know the first 9 months have been challenging for the banking sector. Profitability has been under pressure, as you may have seen from the August results of Indonesian banks. Today, I will not focus too much on our P&L. Instead, I want to share how we are building a