BRI to maintain disciplined liquidity entering second half of 2026
Jakarta (ANTARA) - PT Bank Rakyat Indonesia (Persero) Tbk (BRI) has stated that the company will continue to maintain liquidity with discipline entering the second half of 2026, primarily by aligning credit growth with fund collection capacity.
“We will continue to implement this strategy to strengthen low-cost funds. We also have several anchor clients to ensure our funding structure remains healthy and efficient,” said BRI Deputy President Director Viviana Dyah Ayu RK, during a press conference in Jakarta on Monday.
Viviana noted that the company remains vigilant regarding liquidity dynamics and risks until the end of 2026, even though national banking liquidity currently remains at an adequate level.
The banking industry’s Loan-to-Deposit Ratio (LDR) as of June 2026 was recorded at 88.3 per cent. Meanwhile, BRI’s own LDR stood at 90.8 per cent during the same period.
Viviana explained that the LDR indicator is important to monitor as it illustrates the liquidity position alongside other ratios such as the Liquidity Coverage Ratio (LCR).
“If we look at the industry figure of 88.3 per cent and BRI’s 90.8 per cent, we can say that national banking liquidity is still at an adequate level. However, we must remain vigilant regarding liquidity dynamics until the end of the year,” said Viviana.
By the end of the second quarter of 2026, BRI’s total credit distribution grew by 16.2 per cent year-on-year (yoy) to Rp1,645.5 trillion.
Meanwhile, third-party funds (DPK) reached Rp1,580.7 trillion, representing a growth of 6.7 per cent (yoy).
BRI’s Current Account Savings Account (CASA) ratio was recorded at 67.6 per cent, an increase from 65.5 per cent in the same period the previous year.
More specifically, savings grew by 11.3 per cent (yoy) to reach Rp619.1 trillion, while current accounts grew by 8.5 per cent (yoy) to reach Rp449.6 trillion.
This increase in the composition of low-cost funds has had a positive impact on the cost of funds, which recorded a decrease of 0.7 per cent, falling from 3.0 per cent at the end of the second quarter of 2025 to 2.4 per cent at the end of the second quarter of 2026 (bank only).
Meanwhile, BRI Director of Finance & Strategy, Achmad Royadi, stated that the company considers an LDR of 90.8 per cent to be an ideal level for performing banking intermediation functions.
Regarding capital, BRI’s Capital Adequacy Ratio (CAR) in the second quarter of 2026 was recorded at 21.5 per cent, well above regulatory requirements.
“With well-managed liquidity and strong capital, BRI has an adequate foundation to continue healthy and sustainable growth, while maintaining the principle of prudence and balancing growth, asset quality, liquidity, capital, and, of course, profitability,” said Achmad.