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With the planned transformation program, BNI has also been able to strengthen its competitiveness and increase margins by reducing many aspects of operating expenses.

"In 2022, we will continue BNI's Second Transformation," he said. During the 2021 Pandemic, BNI has also been able to raise capital from alternative sources to strengthen the company's fundamentals. The source of this capital is the issuance of Alternative Tier I Capital of around IDR 8.6 trillion so that the capital adequacy ratio is raised to a position of 19.7%, from the end of 2020 which was recorded at 16.8%.

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Royke said BNI is a bank that has the mandate to become a global bank to encourage domestic business actors to increase foreign market penetration. BNI is also expected to be able to become an investment consultant for domestic global business players to invest in Indonesia.

"Of course, we are very grateful for the support from the government. From the policies and support. We can achieve this financial performance, of course, it cannot be separated from the support from the Ministry of Finance, the Government, and other stakeholders," added Royke. (*)