Komposisi dana pihak ketiga menjadi lebih baik dimana jumlah deposito berjangka menurun menjadi sekitar 43 persen dari total dana pihak ketiga per akhir September 2007.
However, in the past six months ended September 2007, BNI has made the effort to cut the time deposit amount and raise the proportion of low cost savings and demand deposits, resulting in better funding mix - time deposits declined to 43% of total deposits at the end of September 2007.