Jakarta – PT Bank Rakyat Indonesia (Persero) Tbk, or BRI, posted positive performance through the end of the second quarter of 2026. Amidst the dynamics of the economy and the banking industry, BRI maintained its business growth momentum, accompanied by strengthening fundamentals, improving asset quality, and increasing profitability. By the end of the second quarter of 2026, BRI Group’s net profit reached Rp31.2 trillion, a 17.5% year-on-year (yoy) growth compared to the same period the previous year.

This performance is also supported by BRI’s core business focus on the Micro, Small, and Medium Enterprises (MSMEs) segment. As of the end of June 2026, 75.1% of BRI Group’s total credit and financing portfolio was distributed to the MSME segment, underscoring the company’s consistent role as a driver of the people’s economy.

This was stated by BRI President Director Hery Gunardi who was accompanied by BRI Deputy President Director Viviana Dyah Ayu RK, BRI Network & Retail Funding Director Aquarius Rudianto, BRI Finance & Strategy Director Achmad Royadi and BRI Risk Management Director Ety Yuniarti in a performance presentation held at BRI Head Office, Jakarta (31/8/2026).

Hery explained that BRI’s positive performance through the second quarter of 2026 was achieved amidst Indonesia’s resilient economic conditions. Indonesia’s economic growth in the second quarter of 2026 was estimated at 5.30%, while inflation was recorded at 3.34%.

On the other hand, MSME business activity also showed strengthening, reflected in the MSME Business Index, which increased from 102.5 at the end of 2025 to 104.7 in the first quarter of 2026. An index position above 100 indicates that MSMEs are generally still in an expansion phase and are optimistic about their business activities.

“This situation gives BRI optimism because MSMEs are a core business and a vital part of the national economy. Amidst our ongoing transformation, one thing that remains unchanged is BRI’s commitment to continue growing alongside MSMEs and Indonesia’s people’s economy,” said Hery.

From an industry perspective, the national banking industry also continues to demonstrate solid fundamentals. Banking industry credit grew 12.7% year-on-year (yoy) through the second quarter of 2026, while third-party funds (TPF) grew 10.2% yoy and low-cost funds (CASA) increased 11.0% yoy. Asset quality also showed improvement, with the industry’s Loan at Risk (LaR) decreasing to 8.5%, the Loan to Deposit Ratio (LDR) remaining at 88.3%, and Return on Assets (ROA) maintained at 2.5%.

Transformation Begins to Impact Performance

To maintain growth momentum, BRI continues its transformation through BRIVolution Reignite. This transformation is focused on two major, simultaneous agendas: strengthening its funding franchise , revamping its existing core business, and developing new core businesses as sources of growth.

In terms of funding, BRI is focused on expanding its low-cost funding base through an ecosystem-based approach. BRI also continues to maximize digital channel capabilities, from merchant acquisition and strengthening BRImo transactions, QRIS, and BRILink Agents. It also strengthens its dominance in business clusters, value chain integration , and One BRI Solution penetration.

At the same time, BRI continues to strengthen its micro business, a key strength of the company, by refining business processes, strengthening the capabilities of its marketing staff, and implementing increasingly granular risk management. These steps are taken to ensure that micro business growth goes hand in hand with improvements in asset quality.

In addition to strengthening its core business, the company is also developing new sources of growth through value chain and ecosystem acquisitions, refining its product value proposition and targeting to acquire quality customers, and expanding its bullion banking services .

“The transformation we are undertaking is not merely about pursuing high growth. Our focus is on ensuring BRI has a growth engine that is increasingly diversified, healthy, high-quality, and sustainable. We have executed these various agendas and are starting to have a positive impact on BRI’s fundamentals and financial performance,” said Hery.

The implementation of these various transformation agendas is reflected in BRI’s performance through the end of the second quarter of 2026. On a consolidated basis, BRI’s assets reached Rp2,352 trillion, representing an 11.7% year-on-year growth. This growth was primarily driven by credit and financing, which increased 16.2% year-on-year to Rp1,646 trillion.

This expansion was supported by third-party funds (DPK), which reached Rp1,581 trillion, growing 6.7% year-on-year. In line with business growth, BRI’s net interest income increased 9.9% year-on-year, from Rp73.3 trillion to Rp80.5 trillion. Pre-Provision Operating Profit (PPOP) also increased 12.8% year-on-year to Rp65.7 trillion.

“This achievement demonstrates that we are beginning to translate our transformation into performance. For us, what matters most is not just how fast BRI grows, but how that growth stems from increasingly sound fundamentals while simultaneously providing broader benefits to the economy,” Hery said.

Growth Accompanied by Increasingly Healthy Fundamentals

BRI’s increased profitability also coincided with strengthening fundamentals. The bank-only Cost of Funds (CoF) decreased from 3.0% in the second quarter of 2025 to 2.4% in the second quarter of 2026. In terms of efficiency, the Cost to Income Ratio (CIR) improved from 41.9% to 39.2%. Asset quality also improved, with the Non-Performing Loan (NPL) ratio decreasing from 3.0% to 2.9%, while the Cost of Credit (CoC) improved from 3.4% to 3.1%.

This strengthening of fundamentals also supports the company’s ability to generate solid returns. BRI’s ROA remained stable at around 2.7%, while Return on Equity (ROE) increased significantly from 16.6% in the second quarter of 2025 to 18.8% in the second quarter of 2026.

“These various indicators demonstrate that our growth is of increasing quality. Funding is more efficient, operational efficiency is improving, asset quality is healthier, and BRI’s ability to generate returns is also strengthening,” Hery continued.

Rp1,235.4 Trillion in Credit Flows to the MSME Segment

Amidst increasingly diversified business expansion, BRI continues to maintain MSMEs as its core business . By the end of the second quarter of 2026, loans to the MSME segment reached Rp1,235.4 trillion, representing 8.6% year-on-year growth. Thus, approximately 75.1% of the BRI Group’s total credit and financing portfolio was channeled to the MSME segment.

According to Hery, this large portion demonstrates that BRI’s diversification of growth sources has not altered the company’s DNA as a bank that grows alongside the people’s economy. Strengthening the consumer, small-medium-commercial, and corporate segments, as well as developing new core segments , is being done to create a more diversified business structure, while MSMEs remain the core foundation of BRI’s business.

“BRI remains consistent in making MSMEs its core business. We believe that BRI’s growth must go hand in hand with the growth of businesses and the economic activity of the community. Therefore, our business expansion will remain grounded in efforts to expand access to financing and strengthen the capacity of Indonesian MSMEs,” said Hery.

Financing Strengthened by Empowerment, Encourages MSMEs to Upgrade

BRI’s commitment to a people-centered economy extends beyond financing. BRI is developing an end-to-end approach to empowering MSMEs , starting at the village level, through business communities, and down to individual entrepreneurs.

As of June 2026, the BRILiaN Village program had reached more than 5,700 assisted villages. At the business community level, the Klasterku Hidupku program had reached more than 44,000 business clusters. BRI is also expanding empowerment through the LinkUMKM digital platform, which has reached approximately 17.3 million MSMEs. Meanwhile, mentoring through Rumah BUMN (State-Owned Enterprise House) has involved approximately 596,000 MSMEs as of June 2026.

This empowerment ecosystem complements BRI’s role in expanding financing, including through the People’s Business Credit (KUR). From January to June 2026, BRI disbursed Rp103.8 trillion in KUR to more than 2 million borrowers. Cumulatively, from 2015 to June 2026, BRI’s KUR disbursement reached Rp1,539 trillion to 48.4 million customers.

Hery emphasized that this approach reflects BRI’s role not only as a financial intermediary, but also as an enabler of people’s economic growth.

“For BRI, financing and empowerment are integral. We want to create a sustainable growth cycle: MSMEs gain access to finance, receive empowerment and mentoring, increase their business capacity, then move up a level and become more integrated into the larger economic ecosystem,” said Hery.

“Ultimately, we measure BRI’s success not only by asset growth, credit, or profit. What’s also important is how much that growth creates value, opens up opportunities for businesses to develop, and stimulates the community economy. With increasingly strong fundamentals and ongoing transformation, BRI will consistently grow alongside Indonesia’s people-oriented economy,” Hery concluded.