Sigit Pebrianto
Good morning, everyone, and welcome to BNI’s First Half of 2026 Earnings Call. My name is Sigit, and I’m proud to be your host today. Thank you for your continued interest and support for us, BNI. And today, we will discuss our financial performance in the first half of 2026, how we navigated the evolving macroeconomic environment and the progress we have made in strengthening our core business fundamentals.
We are pleased to be joined today by our members of BNI’s Board of Directors. First, we have Bapak Putrama Wahju Setyawan, President Director; Ibu Alexandra Askandar, Deputy President Director; Bapak Hussein Paolo Kartadjoemena, Finance and Strategy Director; Bapak David Pirzada, Risk Management Director; and the other members of BNI’s management team also here, thank you so much.
And today’s presentation will cover on BNI’s financial performance in the first half of 2026, our view on the liquidity environment, progress in our branch transformation and digital engagement initiatives and our performance against the full year 2026 guidance and key strategic commitments.
To begin today’s presentation, it’s my pleasure to invite Bapak Putrama, President Director of BNI, to deliver his takes on the main highlights of our results. Bapak Putrama, the floor is yours.
Putrama Setyawan
President Director
Thank you, Pak Sigit. Good morning, everyone. Thank you for joining us today. Let me start with our first half results. Then I’ll share how we see the rest of the year. In the first half of 2026, our core profit, we call it PPOP, reached IDR 18.5 trillion. That is our highest level in the past 5 years. And what makes
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