Bank Raya Posts Rp12.01 Billion Net Profit in Q2 2026

PT Bank Raya Indonesia Tbk (AGRO) posted a net profit of Rp12.01 billion in the second quarter of 2026, supported by growth in its digital lending business and reflecting sustained financing business expansion.

Bank Raya President Director Ida Bagus Ketut Subagia stated that the Q2 2026 performance reflects the company’s consistency in driving digital business growth in line with its commitment to digital transformation. "Through various service innovations and strengthening of the digital ecosystem, we continue to drive healthy business growth while delivering a banking experience that is increasingly easy, secure, and relevant for the public," Bagus said in an official statement in Jakarta on Thursday.

From the funding side, the company’s business growth was supported by an increase in digital savings, which grew 66.4 percent year-on-year (yoy) to reach Rp2.47 trillion, as well as a 41.2 percent (yoy) increase in transactions on the Raya app, reaching 3 million transactions. "The increase in banking transactions reflects the increasingly widespread use of financial management features in the Raya app by the public," Bagus said.

Furthermore, the rising public adoption of the company’s digital products drove digital savings growth, reflected in the CASA ratio which grew to 38.09 percent in Q2 2026, from 29.72 percent in Q2 2025.

Up to Q2 2026, the company’s digital loan disbursements reached Rp16.46 trillion, growing 22.6 percent (yoy), with outstanding digital loans reaching Rp3.17 trillion, growing 21.2 percent (yoy). "This reflects the consistency of Bank Raya’s digital business growth, which is in line with the transformation that has been carried out, particularly in developing the digital ecosystem and improving service quality for customers," Bagus said.

Bagus explained that one of the main contributors to growth came from the company’s champion product, Pinang Dana Talangan, a digital financing solution aimed at BRILink and Gadai Agents. Up to Q2 2026, Pinang Dana Talangan disbursements reached Rp14.67 trillion, growing 29.1 percent (yoy), distributed to approximately 69,000 BRILink and Gadai Agents, while outstanding financing increased significantly to Rp1.19 trillion, growing 48.8 percent (yoy).

Amidst sustainable business growth, Bagus assured that the company continues to maintain healthy financial fundamentals, reflected in an improved NIM ratio of 104 bps to 5.95 percent. In terms of liquidity, the loan-to-deposit ratio (LDR) was recorded at 83.31 percent, the liquidity coverage ratio (LCR) at 444.63 percent, and the net stable funding ratio (NSFR) at 166.46 percent, well above the minimum requirement of 100 percent, reflecting the company’s well-maintained liquidity condition.

Meanwhile, capital remains strong with a capital adequacy ratio (CAR) of 40.8 percent, far above regulatory requirements, providing ample room for the company to continue developing its business in a healthy and sustainable manner. "Going forward, we will continue to strengthen product and digital service innovation, maintain asset quality, and deliver relevant financial solutions to provide added value for customers while creating sustainable business growth," Bagus said.

Up to Q2 2026, the company has received 10 awards from various institutions and media at national and international levels, including Best Bank 2026 from Forbes, Best Digital Bank in Service Excellence, and Best Digital Bank in Excellence Opening Account via Mobile from Infobank.