BRI Distributes IDR 1.521 Trillion in Loans, Records Double-Digit Growth Throughout 2025

BRI Distributes IDR 1.521 Trillion in Loans, Records Double-Digit Growth Throughout 2025

Jakarta, CNBC Indonesia — PT Bank Rakyat Indonesia (Persero) Tbk (BBRI) recorded double-digit loan growth throughout 2025, amid dynamic liquidity and slowing loan demand in the banking industry.

BRI’s Director, Hery Gunardi, revealed that as of the end of December 2025, the company’s credit grew 12.3% year-on-year (yoy) to IDR 1.521 trillion. This figure is higher than the national banking credit growth, which is in the range of 9.6%.

“BRI’s credit growth remains in double digits by prioritizing prudence,” said Hery during a financial performance press conference for 2025, Thursday (February 26, 2026).

BRI’s Director of Treasury and International Banking, Farida Thamrin, explained that credit expansion mainly came from the MSME segment, in line with the company’s commitment as a bank focused on financing the productive sector.

As part of supporting government programs, as of December 2025, BRI had distributed People’s Business Credit (KUR) amounting to IDR 170 trillion to more than 3.8 million debtors.

“The composition of MSME credit continues to dominate BRI’s credit structure,” said Farida.

Despite aggressively distributing MSME credit, asset quality remains well-maintained. As of the end of 2025, the non-performing loan (NPL) ratio was recorded at 3.07%, while the Loan at Risk (LAR) decreased from 10.7% to 9.6%.

BRI also maintains its reserves with an NPL coverage ratio of 178.1%, providing a strong buffer against potential credit risks.

On the funding side, BRI’s third-party funds (DPK) grew 7.4% yoy to around IDR 1.466 trillion-IDR 1.497 trillion on a consolidated basis, with a low-cost funds (CASA) ratio reaching 70.6%.

Current accounts grew 19.7% yoy and savings increased 7.9% yoy, reflecting the strengthening of retail and non-wholesale based funding structures.

BRI’s liquidity is also maintained with a Loan to Deposit Ratio (LDR) at 91.4%, still in the ample category to support sustainable credit expansion.

In addition, the Liquidity Coverage Ratio (LCR) is at 136.9% and the Net Stable Funding Ratio (NSFR) is at 117.7%, well above the minimum regulatory requirements of 100%.