BRI Aims for Performance Growth in 2026
PT Bank Rakyat Indonesia (Persero) Tbk, or BRI, is targeting performance growth in 2026 by focusing on strengthening its low-cost funding, selective credit expansion, and asset quality improvement.
BRI’s Director, Hery Gunardi, said that the company’s strategy this year starts with funding. “If we talk about the banking business, it starts with funding. Banking is a funding game,” he said during the BRI’s Q4 2025 Performance Presentation Press Conference, Thursday, February 26, 2026.
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Hery said that the company is targeting improvements in its funding structure by increasing the ratio of low-cost funds or current account saving account (CASA). Throughout 2025, the CASA ratio increased from around 67.3 percent in 2024 to 70.6 percent at the end of 2025.
According to Hery, the company wants to lead in low-cost fund raising, and the increase in the CASA ratio in 2025 shows a trend of strengthening the funding structure.
He explained that the growth in low-cost funds is driven by the optimisation of transaction banking services, including through BRImo, QRIS, EDC, and the BRIlink network. In the wholesale segment, BRI utilises cash management and trade platforms, such as Kilola, to encourage corporate transactions. According to him, the increase in the number of active users and transaction volume contributes to the growth of low-cost funds.
From the credit distribution side, BRI projects 2026 growth in the range of 7-9 percent annually. Expansion is focused on the micro, small, and medium enterprise (MSME) segment, including the People’s Business Credit (KUR), which now includes housing KUR.
Credit expansion, said Hery, is carried out selectively by considering the quality of the sector and potential returns as well as risks. To maintain credit quality, BRI strengthens risk management functions, especially in the micro and small segments. Throughout 2025, the company established a retail sub-directorate under the risk management directorate and strengthened supervision in the wholesale segment.
The ratio of non-performing loans (NPL) at BRI is still in the range of 3 percent. He said that credit quality is starting to show improvement. In the large segment, the NPL ratio decreased by around 110 basis points annually, which is said to reflect an improvement in the underwriting process.
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