PT Bank Rakyat Indonesia (Persero) Tbk (BBRI) has set a more\nconservative credit growth target for 2026. The state-owned bank is\ntargeting credit growth of between 7% and 9% for this year, notably\nlower than 2025\u2019s realisation of more than 12%.<\/p>\n
BRI President Director Hery Gunardi stated that the single-digit\ngrowth target reflects the bank\u2019s intention to be highly selective in\nchoosing higher-quality sectors that provide good returns whilst not\ncompromising asset quality.<\/p>\n
\u201cLooking at our guidance, credit growth will likely move within\nsingle digits between 7% and 9%. We are indeed very selective in\nchoosing quality sectors. These should naturally offer good yields but\non the other hand should not bring poor asset quality to BRI,\u201d said Hery\nduring a press conference presenting 2025 financial performance on\nThursday 26 February 2026.<\/p>\n
Regarding credit asset quality, Hery noted that there is continual\nimprovement in the business model for the micro segment. He mentioned\nthat branch officers will be more diligent in debt collection and\nvisiting their customers.<\/p>\n
Going forward, BRI will implement an auto grab fund (AGF)\nsystem\u2014automatic instalment debits\u2014once or twice for micro customers who\nhold savings accounts at the bank. Hery noted that the AGF system has\nalready been applied to home loans (KPR) and vehicle loans (KKB), and is\nexpected to drastically reduce assets with stage 2 loan classification\nstatus.<\/p>\n
In the corporate and commercial banking division, Hery tasked\ndivision leaders to take charge of branch offices or consumer divisions.\nAccording to Hery, underlying payroll growth can be driven by corporate\nand commercial banking\u2019s performance.<\/p>\n
Meanwhile, in the micro segment, BRI continues to conduct credit\nunderwriting and acquire new customers of very high quality.<\/p>\n
On the same occasion, BRI\u2019s Director of Risk Management, Ety\nYuniarti, noted that BRI continues to face challenges in the retail\ncredit segment, particularly in micro and small lending. The bank has\nimplemented several initiatives to address these challenges, including\nestablishing a separate retail subdirectorate independent from the risk\nmanagement directorate to enable greater focus and improved outcomes.\nLast year, BRI mapped out potential credit quality deterioration.<\/p>\n
\u201cGoing forward, we will also strengthen our collection arm,\nespecially in the retail segment\u2014consumer and micro\u2014so that both new\nbooking and existing bad loans remain well managed,\u201d said Ety on the\nsame occasion.<\/p>\n
BRI\u2019s consolidated credit grew by 12.31% year-on-year to reach Rp\n1.521 trillion at the end of 2025. Concurrently, the ratio of\nnon-performing loans (NPL) gross rose to 3.29%, whilst net NPL increased\nto 0.96%.<\/p>", "url": "https:\/\/jawawa.id\/newsitem\/bri-adopts-more-selective-credit-disbursement-approach-targets-7-9-growth-1772165548", "image": "" }, "sponsor": "Okusi Associates", "sponsor_url": "https:\/\/okusiassociates.com" }