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StocksMedium•9 November 2026•
2 min read

Bank Rakyat Indonesia profit rises 16.8% to Rp48.2 trillion through September

Key Facts

1Consolidated net profit was Rp48.2 trillion, up 16.8% year on year from Rp41.2 trillion.
2Loans and financing reached Rp1,647 trillion, growing 14.5% against 13.26% for the banking sector.
3Net interest income rose 6.2% to Rp117.85 trillion from Rp110.99 trillion.
4Customer deposits reached Rp1,651 trillion, up 12%, and CASA accounted for about 70% of them.
5Small and medium-sized enterprises represented 75.9% of the loan portfolio, equivalent to Rp1,250 trillion.

Bank Rakyat Indonesia (BRI) reported consolidated net profit of Rp48.2 trillion for the nine months ended in September 2026, up 16.8% year on year, Antara reported, citing the bank’s results. The bank earned Rp41.2 trillion in the same period of 2025, putting the increase at Rp7 trillion. Profit growth came alongside lending expansion, with loans and financing reaching Rp1,647 trillion. Loans rose 14.5% year on year, ahead of Indonesian banking-sector credit growth of 13.26%. The results reflect simultaneous growth in lending activity and operating income, with substantial exposure to financing small and medium-sized enterprises.

Chief Executive Officer Hery Gunardi said business growth was supported by faster-than-industry-average loan sales, alongside deposit gathering focused on low-cost funds and stronger operating revenue. He said the bank’s lending growth exceeded that of the sector, as shown by BRI’s 14.5% annual increase compared with 13.26% for the industry. Customer deposits reached Rp1,651 trillion through September, up 12% from Rp1,475 trillion a year earlier. Current and savings accounts (CASA) accounted for about 70% of total deposits, according to Antara data. This share offers a measure of the funding mix the bank said it had prioritized, even as interest expenses increased during the period.

Interest income rose to Rp162.79 trillion through September, compared with Rp155.16 trillion in the corresponding period of 2025. Net interest income increased 6.2% to Rp117.85 trillion, from Rp110.99 trillion a year earlier. At the same time, interest expenses totaled Rp44.94 trillion, compared with Rp44.17 trillion in September 2025. The figures show increases in both income and expenses, with net interest income higher year on year. Operating profit before provisions also reached Rp96.1 trillion, up 10.9% from Rp86.7 trillion in the same period a year earlier.

Micro, small and medium-sized enterprises accounted for 75.9% of BRI’s loan portfolio through September, equivalent to Rp1,250 trillion, Antara reported. This share puts lending to the sector at the center of the portfolio mix, alongside overall loan growth during the nine months. On asset quality, the gross non-performing loan ratio was 3.07%, while the net ratio was 1.00%, according to the results report cited by Kontan. The two ratios provide a view of loan quality alongside credit expansion, without changing the fact that growth exceeded the banking-sector rate. September’s results therefore combined profit growth, increases in lending and deposits, and the asset-quality indicators reported.