BRI Records Consistent Growth in Commercial Credit Performance Since 2021
Jakarta (ANTARA) - PT Bank Rakyat Indonesia (Persero) Tbk (BRI) has recorded performance in lending to the commercial segment showing a consistent growth trend from 2021 to 2025, with an increase of nearly three times in 2025 compared to 2021.
In more detail, BRI’s commercial credit in 2021 was recorded at Rp20.8 trillion.
It then increased to Rp38.7 trillion in 2024, before surging in 2025 to reach Rp61.4 trillion.
BRI’s Director of Commercial Banking, Alexander Dippo Paris YS, in an official statement in Jakarta on Monday, said that the company has a focus on driving growth in the commercial segment business through strengthening customer value chains and increasing transactions.
This is realised through BRI’s business transformation or called “BRIvolution Reignite”, particularly in the “Revamp Existing Core” pillar.
“As a bank with SME DNA, BRI continues to support medium-sized enterprises. The middle market segment plays an important role in the national economy’s supply chain, while also serving as a bridge between SMEs and large corporations in an ecosystem,” said Dippo.
The company stated that the financing portfolio composition shows solid diversification aligned with national development priorities.
The largest portfolio contribution comes from sectors sourced from APBN financing (20 percent), followed by the energy sector (12 percent), construction (11 percent), trade (10 percent) and food (10 percent), as well as the processing industry (8 percent).
In line with this acceleration, BRI’s market share in the commercial segment has shown a consistent increase in recent years, from initially 2.1 percent in 2021 to 5.2 percent in 2025.
According to the company, this growth reflects the success of increasingly targeted expansion strategies, particularly through an ecosystem-based approach that allows BRI to expand market penetration while broadening a more quality customer base.
On the other hand, the company noted that credit quality also shows solid improvement.
Loan at risk (LaR) has been significantly suppressed to 7.6 percent in 2025, from higher levels in previous years.
This improvement goes hand in hand with strengthening business fundamentals, including increases in low-cost funds (CASA) and third-party funds (DPK), which ensure that credit growth remains healthy and sustainable.
BRI provides support to medium-sized enterprises through comprehensive financing, ranging from working capital loans to meet short-term liquidity needs to investment loans to support long-term growth.
This step aims to maintain smooth company operations while encouraging business expansion.
Specifically for commercial customers, BRI offers a variety of cash management products tailored to business needs to support operational efficiency, one of which is through the QLola by BRI digital platform.
Through QLola, customers can conduct various transactions such as tax payments, online transfers, and bill payments, while also monitoring the company’s financial condition comprehensively to support more accurate business decision-making.
“Through a comprehensive business banking ecosystem, digital innovation, and relevant empowerment programmes aligned with market needs, BRI continues to strengthen its role in driving SMEs and medium-sized companies to grow healthily and sustainably,” said Dippo.