BRI maintains solid financial performance with adequate liquidity and capital adequacy levels

Jakarta (ANTARA) – PT Bank Rakyat Indonesia (Persero) Tbk, or BRI, has maintained solid and resilient financial performance amid ongoing global economic dynamics shadowed by geopolitical uncertainties. As of Q1 2026, BRI sustained healthy business growth while adhering to prudent banking principles and disciplined risk management. BRI’s Finance and Strategy Director, Achmad Royadi, stated that the bank’s liquidity ratios remained strong, significantly exceeding regulatory requirements. ‘As of end-March 2026, BRI’s loan-to-deposit ratio (LDR) stood at 86.7 per cent, which we consider ideal for managing intermediary functions—not overly tight but sufficiently optimal to drive future credit growth,’ Royadi said. In terms of funding structure, BRI has shown significant improvements, particularly in managing funding costs and the composition of low-cost funds. The cost of funds from third-party deposits was reduced from 3.0 per cent in Q1 2025 to 2.3 per cent in Q1 2026, a decrease of 65 basis points. This reduction reflects BRI’s effective strategy in optimising its funding structure, particularly through an increased share of low-cost deposits. This aligns with a rise in the current account savings account (CASA) ratio from 65.8 per cent in Q1 2025 to 68.1 per cent in Q1 2026. ‘Equally important, we have consistently maintained discipline in liquidity management. This not only ensures sufficient funds but also directly enhances cost-of-fund efficiency and the overall quality of the funding structure,’ he added. In terms of capital, the bank’s position is very strong, as evidenced by BRI’s capital adequacy ratio (CAR) of 22.90 per cent, well above the regulatory minimum. With this capital level, BRI has ample capacity to support prudent business expansion while maintaining sufficient buffers to absorb potential future risks. This means BRI’s current capital structure provides flexible room to continue driving credit growth, particularly in the micro, small, and medium enterprise (MSME) and productive financing segments, without compromising prudence. ‘Moving forward, we will continue to balance liquidity growth and capital resilience, enabling BRI to sustain its contribution to national economic growth,’ he concluded.