Bank Raya (AGRO) Confident Digital Business Will Grow Positively in 2026
PT Bank Raya Indonesia Tbk (Bank Raya; Ticker Code: AGRO) affirmed its optimism for sustainable digital business growth during a Public Expose Live 2026 event on Tuesday (9/6). The BRI subsidiary presented a solid performance throughout the first quarter of 2026, supported by digital transformation and ecosystem synergies.
Bank Raya President Director Ida Bagus Ketut Subagia stated that the company continues to sharpen its vision of providing relevant financial solutions for business actors and communities. The main strategies being implemented include exploitation methods through BRI Group synergies and exploration of potential partners outside the main ecosystem.
“This growth reflects our focus on a quality digital business strategy. Amidst global dynamics, we maintain a balance between expansion and strengthening fundamentals as proof of the successful transformation into a digital bank,” Bagus said during the public presentation.
As of March 2026, Bank Raya successfully posted a net profit of Rp6.79 billion. This growth was driven by an improvement in the Net Interest Margin (NIM) ratio, which rose to 5.78% from 4.87% in the same period last year (yoy). Cost of funds efficiency and productive asset optimisation were key to strengthening these margins.
The digital lending sector showed impressive performance, representing 45.6% of the total portfolio. Digital loan distribution was recorded at Rp8.14 trillion, growing 29.0% (yoy), with outstanding loans reaching Rp3.14 trillion (up 33.1% yoy). The flagship product, Pinang Dana Talangan, was the main contributor, with distribution of Rp7.25 trillion to more than 52,000 BRILink and Pegadaian agents.
On the funding side, Digital Savings grew significantly by 63.9% (yoy) to reach Rp2.30 trillion. To date, the Raya App features more than 100 functions accessed by over 1 million customers, including flagship features like Saku Bisnis and the Visa Digital Debit Card.
Beyond business performance, Bank Raya is strengthening its information security aspects with the ISO/IEC 27001:2022 standard. The commitment to good governance has also yielded results with the achievement of the “World’s Best Bank Awards 2026” title from Forbes and a “Most Trusted Company” predicate based on the CGPI.
“We see that digital growth opportunities remain wide open. However, we are moving forward with the principle of prudence to ensure that every expansion is supported by maintained risk management,” Bagus concluded.