BRI Credit Growth Accelerates, Up 16% in First Half of 2026
PT Bank Rakyat Indonesia (Persero) Tbk (BBRI) recorded an acceleration in business growth in the first half of 2026. Credit disbursement became one of the main drivers with double-digit growth, amid improving asset quality and strengthening of the company’s operating income.
BRI President Director Hery Gunardi said that various performance indicators of the company up to the first half of 2026 moved in a positive direction. The business strengthening was reflected in the acceleration of credit as well as the company’s ability to maintain asset quality.
“Up to the first half of 2026, various BRI performance indicators are moving in a positive direction, the business is strengthening, the non-performing loan ratio is declining, and we are able to convert this,” Hery said in a press conference on BRI’s first half 2026 performance, Monday (31/8/2026).
Hery revealed that total loans and financing of BRI Group reached Rp1,646 trillion in the first half of 2026, growing 16.2% year-on-year (yoy).
This credit growth was the main support for the company’s asset growth. BRI’s total assets grew 11.7% yoy, in line with the acceleration of credit disbursement.
On the funding side, BRI’s total third-party funds (DPK) reached Rp1,581 trillion, growing 6.7% yoy. With credit growth higher than DPK growth, the company was able to increase intermediation while optimising its assets.
Hery emphasised that BRI’s future strategy is not only to pursue growth in third-party fund volume, but also to increase transaction activity from customers.
“Going forward, our focus is not only on increasing DPK volume, but on increasing funding activity,” he said.
This strategy is reflected in the strengthening of low-cost funds or CASA. Based on company data, BRI’s CASA grew around 10.1% yoy, with the CASA ratio reaching 67.6%. The strengthening of low-cost funds also helped the company reduce its cost of funds to around 2.4%, from 3.4% in the same period the previous year.
Hery said the company also ensures that business growth, especially in the micro segment, goes hand in hand with its asset capacity. At the same time, BRI is beginning to capture new sources of growth through the development of its business ecosystem.
“We want to ensure that micro business growth goes hand in hand with the assets we have. We are also capturing new business, payroll acquisition and expansion of bullion services of Bank BRI Group,” Hery explained.
According to him, these various agendas have been executed and are beginning to show positive results.