BRI to be more selective in choosing sectors, targets credit growth of 7-9 percent this year
PT Bank Rakyat Indonesia (Persero) Tbk will be more selective in disbursing credit this year, focusing on quality sectors, and targets a single-digit growth of 7-9 percent.
As of the end of 2025, BRI’s consolidated credit disbursement grew by 12.3 percent (year on year) to IDR 1,521 trillion, with a focus on the MSME segment.
“We are indeed very selective in choosing quality sectors, which can certainly provide good yields but also do not bring poor asset quality to BRI,” said BRI’s President Director, Hery Gunardi, in a virtual press conference on the Fourth Quarter 2025 Financial Performance, Thursday.
Regarding credit quality, he said that the company continues to consistently improve it, especially in the micro segment.
As of the end of 2025, BRI’s non-performing loan (NPL) ratio was still at 3.07 percent. Meanwhile, the loan at risk (LAR) decreased from 10.7 percent at the end of 2024 to 9.6 percent at the end of 2025.
In the future, Hery said that the company plans to implement an automatic installment payment mechanism for micro-segment customers who have savings accounts at BRI.
Through this scheme, customers are expected to maintain sufficient balances, ideally equivalent to one to two installments, so that payments can be made automatically and on time.
Meanwhile, the commercial banking and corporate banking segments, which have shown solid performance, play a strategic role as a source of leads for business units in branches and the consumer segment.
He said that the growth of unsecured credit (KTA), especially payroll-based loans, has the potential to continue to be encouraged through the ability of commercial and corporate banking to provide quality payroll customers to the consumer segment and branch network.
From the funding side, Hery explained that the company continues to focus on improving the funding structure with a higher proportion of low-cost funds (CASA). In 2025, BRI succeeded in increasing the CASA ratio to 70.6 percent.
“So we really want to be a leader in low-cost funding or the CASA ratio,” he said.
Overall, Hery said that the company remains optimistic that through ongoing transformation as reflected in the BRIVolution Reignite initiative, the growth of low-cost funds will continue to increase, the cost of funds will continue to decrease, and margins will remain stable.
In addition, improvements in credit quality in the micro segment are expected to continue to show a positive trend, along with the implementation of a more prudent underwriting process and the acquisition of new customers who are more selective, resulting in a portfolio with a higher level of smooth collectibility.