PT Bank Rakyat Indonesia (Persero) Tbk, also known as BRI, reported a net profit of Rp15.49 trillion in the first quarter of 2026.
Profit for the period attributable to owners of the parent entity jumped 13.73% year-on-year (yoy) from Rp13.62 trillion in the first quarter of 2025.
The positive performance was supported by a 5.94% yoy increase in revenue. BRI’s revenue rose from Rp49.87 trillion in the first quarter of 2025 to Rp52.83 trillion in the same period of 2026.
The bank’s revenue in the first quarter of 2026 consisted of Rp49.13 trillion in interest income and Rp3.7 trillion in sharia income.
According to a Katadata report, the lender, traded under the stock code BBRI, disbursed Rp1,562 trillion in loans during the first quarter of 2026. Of the total, BRI allocated Rp47.09 trillion to the government-backed microcredit program, Kredit Usaha Rakyat (KUR).
Meanwhile, housing financing through the Housing Financing Liquidity Facility (FLPP) reached Rp17.13 trillion, distributed to around 125,000 borrowers.
Third-party funds (DPK) stood at Rp1,555 trillion, growing 9.4% yoy. The bank’s loan-to-deposit ratio (LDR) increased to 87.66% in the first quarter of 2026, while its current account and savings account (CASA) ratio reached 68.1% during the first three months of the year.
The growth in DPK was supported by CASA, which increased 13.2% yoy from Rp934.9 trillion in the first quarter of 2025 to Rp1,058.6 trillion in the same period of 2026.
“The national banking industry remains fundamentally solid, with strong intermediation, maintained liquidity, and controlled risks, providing room for prudent banking expansion going forward,” BRI President Director Hery Gunardi said during a virtual press conference on Thursday, April 30, 2026.
BRI also recorded growth in lending and financing, with total loans and financing rising 13.7% yoy to Rp1,562 trillion.
Hery said the MSME segment remained the main pillar of BRI’s financing portfolio, with total disbursement reaching Rp1,211 trillion.
Operationally, BRI also posted solid results. Pre-provision operating profit (PPOP) in the first quarter of 2026 rose 7.7% yoy to Rp32.2 trillion.
According to Hery, BRI’s margins and asset quality have begun to show signs of improvement. The bank’s loan-at-risk (LAR) ratio declined from 11.1% in the first quarter of 2025 to around 9.7% in the first quarter of 2026.
He said the decline reflected better-controlled risks within the loan portfolio, supported by stronger risk management and more selective lending practices.
On the funding side, the bank’s cost of funds improved, falling from 3% last year to 2.3% in the first quarter of 2026.
“This reflects the effectiveness of BRI’s strategy in strengthening CASA and managing a healthier and more efficient funding structure, providing better room for margins going forward,” he added.