Transformation Under New Management Begins to Bear Fruit, BRI Records Solid Performance in Q2 2026

Jakarta (ANTARA) – PT Bank Rakyat Indonesia (Persero) Tbk, or BRI, continues to advance its corporate transformation agenda as a foundation for building healthy and sustainable business growth. This consistent transformation is now reflected in the strengthening of BRI’s performance, including a net profit of Rp31.2 trillion in the second quarter of 202<0xC2>6, representing a 17.5% year-on-year (yoy) growth.

This was stated by BRI President Director Hery Gunardi during the BRI Q2 2026 Financial Performance Press Conference at the BRI Head Office, Jakarta, on Monday (31/8). Also present at the event were BRI Deputy President Director Viviana Dyah Ayu R.K., BRI Director of Finance & Strategy Achmad Royadi, BRI Director of Network & Retail Funding Aquarius Rudianto, and BRI Director of Risk Management Ety Yuniarti.

BRI President Director Hery Gunardi stated that amidst economic dynamics and high global uncertainty, BRI has been able to maintain healthy growth momentum, improve asset quality, and strengthen profitability.

“The transformation we have consistently implemented since the new management arrived at BRI is starting to show positive results. We have strengthened our business, culture, efficiency, digitalisation, and risk management remains robust. This transformation has made BRI increasingly productive and capable of maintaining healthy growth,” he said.

Hery added that BRI views sustainable growth not merely by the magnitude of profit generated, but primarily by the quality of that growth itself. “Therefore, the Company continues to encourage selective and prudent business expansion, maintaining asset quality, increasing efficiency, and strengthening governance and risk management across all business lines,” he added.

Through ‘BRIVolution Reignite’, BRI is continuing its transformation with two major simultaneous agendas: strengthening funding and improving existing core businesses while building new growth sources.

On the funding side, BRI is focusing on expanding its low-cost and transactional fund base through an ecosystem-based approach. This strategy is implemented by maximising digital channel capabilities, ranging from merchant acquisition and increasing BRImo and QRIS transactions to the BRILink Agent network. At the same time, BRI continues to deepen penetration into business clusters, integrating value chains, and optimising the ‘One BRI Solution’.

In its core business, BRI is revamping the micro segment, which has long been the company’s primary strength. Simultaneously, BRI is building new growth sources. The focus includes optimising the potential of value chains and ecosystems, refining product value propositions and targeting to acquire high-quality customers, and expanding bullion bank services through BRI Group synergies.

Furthermore, Hery noted that with increasingly strong fundamentals and a clearer transformation direction, BRI is optimistic about maintaining its positive momentum moving forward. This strengthening also provides space for BRI to continue its role in supporting various government priority agendas and driving the national economy, while maintaining asset quality and applying the principle of prudence.

“For BRI, supporting government programmes and maintaining asset quality are not contradictory. In fact, both must go hand in hand so that the growth we generate today can become sustainable growth in the long term,” he continued.

In driving and accelerating Indonesia’s sustainable economic growth, BRI actively serves as a government partner in promoting development and economic inclusion. This role is carried out through the distribution of People’s Business Credit (KUR), FLPP, support for the Free Nutritious Meal Programme, the development of Red and White Village/Sub-district Cooperatives, as well as the distribution of various social assistance such as PKH, Sembako Stimulus, and BLTS Kesra. These various programmes are part of BRI’s efforts to expand the impact of the people’s economy and increase community welfare inclusively and sustainably.

BRI’s role in supporting various national development agendas runs alongside the company’s efforts to continue strengthening fundamentals and maintaining the quality of business growth. This is reflected in BRI’s performance up to Q2 2026, which remains solid in terms of business growth, profitability, efficiency, and asset quality.

As of Q2 2026, BRI’s total assets reached Rp2,352 trillion, growing 11.7% year-on-year. Credit distribution grew even higher at 16.2% to Rp1,646 trillion, while Third-Party Funds (DPK) reached Rp1,581 trillion, a 6.7% yoy increase. BRI is not only focusing on increasing DPK volume but also continues to strengthen funding quality by increasing the CASA ratio.

This increase in profitability was accompanied by improvements in efficiency and asset quality. The Cost of Fund (CoF) for bank-only operations decreased from 3.0% to 2.4%, while the Cost to Income Ratio (CIR) improved from 41.9% to 39.2%. Regarding asset quality, the Non-Performing Loan (NPL) ratio dropped from 3.0% to 2.9%, while the Cost of Credit (CoC) improved from 3.4% to 3.1%.

This strengthening of fundamentals also supports the company’s ability to generate solid returns. BRI’s ROA remained stable at around 2.7%, while the Return on Equity (ROE) increased from 16.6% in Q2 2025 to 18.8% in Q2 2026.

Despite ongoing transformation, Hery emphasised that BRI’s DNA remains the same: growing alongside Indonesia’s people’s economy. MSMEs will remain BRI’s core business. Therefore, the success of the transformation is not only measured by BRI’s ability to improve performance, but by how much that growth can create value and drive community economic activities.