Furthermore, Susi said, strengthening digital services is very important in helping people reduce transaction costs because digital services can be used from anywhere and anytime, without the need to visit bank outlets. Moreover, this will save a lot of public transportation costs when going to the bank.
"Thus, the development of BNI's digital services also supports the government's efforts towards a cashless society, and provides convenience, convenience, and security in transactions which are the main factors for Indonesia's economic growth," she added.
Also Read: QRIS BNI Grows Rapidly, Records 1.5 Million Transactions as of March 2022
Meanwhile, BNI Corporate Secretary Mucharom said, BNI Mobile Banking is BNI's Product Champion which is a source of revenue and profit maker for the Company.
As is known, BNI managed to make a positive jump in recovery in the 2021 financial year. BNI's 2021 performance was very encouraging where the net profit was able to exceed market expectations. This achievement of net profit resulted from Operating Income Before Reserves (PPOP) which grew strongly by 14.8 percent yoy to reach Rp 31.06 trillion.
"This achievement is even the highest BNI has ever produced, higher than operating income before the pandemic. In addition, efforts to improve credit quality through monitoring, handling, and effective policies have made the cost of credit improve to 3.3 percent," he said.
Mucharom added that BNI's performance expansion will continue in 2022. At the beginning of this year, profitability was recorded to be solid, in line with strong economic growth.
Also Read: BNI KPR Disbursement Grows 8 Percent in Early 2022
Credit quality continues to improve, thereby increasing the company's ability to accelerate revenue printing at the beginning of the year. The high level of financial transactions on digital platforms has also become a source of growth in Fee-Based Income (FBI) which encourages progressive profit growth.
Net profit in the first quarter of this year reached Rp 3.96 trillion, growing 63.2 percent yoy. This net profit achievement resulted from Operating Income Before Reserves (PPOP) which grew strongly by 7.3 percent yoy to Rp 8.5 trillion.
"We are grateful that BNI was able to maintain a solid performance at the beginning of this year. This performance is one sign of recovery as well as better economic growth this year. Our digital transformation also encourages the opening of new economic potentials," he said.
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