BRI Aims for High-Quality Sectors to Drive Credit Growth of Up to 9 Per Cent in 2026

BRI Targets High-Quality Sectors to Boost Credit Growth to 9 Per Cent in 2026

• Freepik

Jakarta, VIVA – PT Bank Rakyat Indonesia (Persero) Tbk (BBRI) is targeting credit growth of up to 9 per cent in 2026. This target was announced after the company recorded double-digit growth in its credit and financing sector, which drove net profit to IDR 57.13 trillion throughout 2025.

BRI’s Director, Hery Gunardi, said that the micro, small, and medium-sized enterprise (MSME) sector would remain the backbone of the company’s credit growth. The company disbursed IDR 178.08 trillion in KUR (People’s Business Credit) to approximately 3.8 million debtors throughout Indonesia by December 2025.

In addition to KUR, BRI is also expanding its financing support through the KUR housing programme, and the Facility for Financing Housing Liquidity (FLPP), which is being strengthened as a new source of growth. The FLPP programme for home ownership loans (KPR) has been disbursed to more than 118,000 debtors, amounting to IDR 16.16 trillion.

In 2026, Hery said that the company would adopt a conservative and selective approach to credit expansion. The company will only explore high-quality sectors that can provide solid yields.

“If we look at the guidance, credit growth may still be in the single digits, between 7 and 9 per cent,” said Hery in his presentation of the Financial Performance Report for the Fourth Quarter of 2025, held online on Thursday, 26 February 2026.

He added that the company would continue to increase the role of field staff, or ‘mantri’, to strengthen monitoring and collection functions, as well as to improve customer payment discipline. This is an effort to strengthen credit quality in the micro segment.

“NPL (non-performing loans) will always be improved with the existing micro model. We will continue to improve the ‘mantri’ who also continue to collect and regularly visit customers,” he said.

BRI’s Director of Risk Management, Ety Yuniarti, said that the ratio of non-performing loans (NPL) was still in the range of 3.07 per cent due to the impact of the old portfolio. However, the quality of new credit is showing a significant improvement, especially in the large corporate segment.

Ety added that the company is forming an organisational structure that is more focused on risk management in the retail, micro, and wholesale segments to strengthen risk management. In addition, it plans to expand the implementation of the automatic debit fund (AGF) system, or the mechanism for saving reserve funds for instalment payments for micro customers, in order to reduce the potential for non-performing loans early on.