Kenaikan peringkat nasional BNI mencerminkan permodalan yang lebih kuat setelah penawaran umum saham di kuartal ketiga 2007, perbaikan kualitas kredit walaupun masih lemah, dan profitabilitas yang secara umum stabil tetapi masih di bawah profitabilitas bank sekelas.
The upgrade of BNI's national rating reflects its stronger capital, post its rights issue in the third quarter of 2007, its improving but still weak loan quality, generally stable but below-average profitability relative to that of its peers.