Sigit Pebrianto
Good morning, everybody. Thanks for becoming a member of BNI’s Third Quarter of 2025 Earnings Name. My title is Sigit, and I will be your host for at the moment’s session. We actually admire your time and your continued confidence in direction of BNI. Right this moment’s name present us with a possibility to share our progress over the previous quarter, how we’ve got navigated an evolving macroeconomic setting, keep our strong enterprise momentum and proceed to strengthen our fundamentals throughout key segments.
Becoming a member of us at the moment are members of BNI Administrators. First, we’ve got Putrama Wahju Setyawan, President Director; Ibu Alexandra Askandar, Deputy President Director; Bapa Hussein Paolo Kartadjoemena, Finance and Technique Director; Bapa Abu Santosa Sudradjat, Treasury and Worldwide Banking Director; Bapa David Pirzada, Threat Administration Director; and different members of the administration staff, thanks all for being right here. In at the moment’s session, we are going to current our monetary efficiency for the third quarter of 2025, enterprise technique and outlook, specializing in our development within the medium and SME segments, digital transformation, liquidity enchancment and funding technique and eventually, our steerage for the remainder of this 12 months. [Foreign Language] sharing session. Please, Bapa Putrama.
Putrama Setyawan
President Director
Thanks, Pa Sigit. Good morning, analysts and buyers. Thanks for becoming a member of BNI’s third quarter earnings name. We all know the primary 9 months have been difficult for the banking sector. Profitability has been beneath strain, as you will have seen from the August outcomes of Indonesian banks. Right this moment, I can’t focus an excessive amount of on our P&L. As a substitute, I need to share how we’re constructing a
