With Solid Liquidity and Capital, BRI Strengthens Its Contribution to National Economic Growth
Jakarta (ANTARA) - PT Bank Rakyat Indonesia (Persero) Tbk, or BRI, recorded a positive performance up to the second quarter of 2026. This was reflected in adequate liquidity, an increasingly high-quality funding structure and solid capital. These fundamentals form the foundation for BRI to continue growing its business in a healthy manner whilst carrying out its intermediation function in support of national economic growth.
This was stated by BRI’s Finance & Strategy Director, Achmad Royadi, at the BRI Financial Performance Press Conference for the Second Quarter of 2026, held at BRI’s Head Office in Jakarta. Achmad Royadi revealed that BRI’s liquidity position remains well maintained at an adequate level. The bank’s consolidated Loan to Deposit Ratio (LDR) was recorded at 90.8 per cent, which remains at an ideal level for carrying out its intermediation function. Meanwhile, in terms of capital, BRI’s Capital Adequacy Ratio (CAR) in the second quarter of 2026 was recorded at 21.5 per cent.
“With well-managed liquidity and capital that remains strong, BRI has a sufficient foundation to continue growing in a healthy and sustainable manner, while continuing to uphold the principle of prudence and maintaining a balance between growth, asset quality, liquidity and profitability,” said Achmad Royadi.
BRI’s liquidity position is further supported by an increasingly high-quality funding structure. As of the end of the second quarter of 2026, BRI’s Third-Party Funds (DPK) reached Rp1,581 trillion, growing 6.7 per cent year-on-year (yoy). This growth was accompanied by an increase in the proportion of low-cost funds, reflected in the CASA ratio rising from 65.5 per cent to 67.6 per cent.
Well-maintained liquidity and an improving funding structure give BRI room to carry out its intermediation function optimally. On the other hand, strong capital provides the company with the capacity to support business expansion whilst maintaining resilience against risk.
Amid this growth, BRI continues to prioritise lending quality and disciplined risk management. This is reflected in continuously improving asset quality, with the Non-Performing Loan (NPL) ratio falling from 3.07 per cent in 2025 to 2.9 per cent in the second quarter of 2026. This trend is in line with BRI’s risk management strategy through the application of selective growth, strengthening of the early warning system in the retail segment, and optimisation of collection and recovery functions.
Positive performance is also evident in continuously improving credit risk indicators. The Loan at Risk (LaR) ratio fell from 9.6 per cent at the end of 2025 to 9.1 per cent at the end of the second quarter of 2026. This decline reflects increasingly good quality in new loan bookings. In line with this, the Cost of Credit (CoC) fell from 3.4 per cent at the end of 2025 to 3.1 per cent at the end of the second quarter of 2026.
These well-maintained fundamentals also supported BRI’s strengthening performance throughout the second quarter of 2026. BRI’s total assets reached Rp2,352 trillion, growing 11.7 per cent year-on-year (yoy), mainly supported by accelerated loan growth of 16.2 per cent to Rp1,646 trillion. The combination of business growth and improving fundamentals also drove BRI’s net profit to Rp31.2 trillion, up 17.5 per cent yoy.
This fundamental strength gives BRI room to continue carrying out its intermediation function, particularly in the MSME segment, which is the company’s core business. The focus on MSMEs is not only part of efforts to broaden financial inclusion, but also goes hand in hand with BRI’s support for various government priority agendas.