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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Bank Rakyat Indonesia
Bank Rakyat Indonesia (BBRI) investor relations material
Bank Rakyat Indonesia Q2 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2026 earnings summary31 Aug, 2026
Executive summary
Transformation initiatives under BRIvolution Reignite are delivering tangible results, with improved asset quality, diversified earnings, and a stronger funding franchise.
Net profit rose 17.5% year-on-year to IDR 31.2 trillion, driven by strong NII growth, stable non-interest income, and lower provision growth.
Micro business health is improving, with better risk selection, credit processes, and field productivity, while growth momentum is returning.
Achieved 16.2% YoY loan growth and 6.7% YoY deposit growth in 1H26, outpacing industry averages.
Earnings are increasingly diversified across corporate, commercial, consumer, gold, and transaction banking segments.
Financial highlights
Total assets grew 11.7% year-on-year to Rp2,352tn; consolidated loans up 16.2% year-on-year.
Net interest income increased 9.9% year-on-year; PPOP up 12.8% year-on-year to Rp65.7tn.
Net profit reached IDR 31.2 trillion, up 17.5% year-on-year.
CASA ratio improved to 67.6%, with retail CASA growing 13.4% year-on-year.
Cost of funds declined to 2.4%; consolidated NIM at 7.7%; CIR improved to 39.2%.
Outlook and guidance
Full-year 2026 loan growth guidance raised to 8%-10% on strong first-half momentum; some guidance revised to 7–9%.
NIM guidance maintained at 7.4%-7.8%; cost of credit at 3.1%; cost-to-income ratio at 39.2%.
CIR expected at 41–43% (1H26: 39.2%).
Dividend payout ratio expected to normalize gradually from 92% in 2025 to 70% in 2026, targeting 50%-60% in the medium term.
Focus remains on quality growth, disciplined risk management, and diversified business expansion.
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Latest events from Bank Rakyat Indonesia
- Q1 2026 net profit up 13.8% YoY, assets Rp2,249.8T, and strong loan growth across segments.BBRI
Q1 2026 - Assets hit Rp2,135.4T, loans grew 12.3% YoY, CASA 70.6%, net profit fell 5.3% YoY.BBRIQ4 2025
- Net income reached Rp41.2T, assets Rp2,123.4T, and CAR 23.01% for the nine months ended Sept 2025.BBRIQ3 2025
- Net profit fell 11.2% YoY, but assets and digital growth remained strong amid micro asset quality pressures.BBRIQ2 2025
- Net income reached Rp45.36 trillion, NPL ratio fell to 2.9%, and capital ratios remained strong.BBRIQ3 2024
- Net profit up 1.1% to IDR 29.9T, loan growth 11.2%, but micro asset quality remains pressured.BBRIQ2 2024
- Q1 2025 net profit fell 13.6% YoY to Rp13.8T, but NIM and capital ratios remain robust.BBRIQ1 2025
- Net profit up 0.4% YoY to Rp60.64T in 2024, with improved asset quality and strong capital.BBRIQ4 2024
Next Bank Rakyat Indonesia earnings date
Q3 20262 Nov, 2026
Bank Rakyat Indonesia
Next Bank Rakyat Indonesia earnings date
Q3 20262 Nov, 2026
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Frequently asked questions
Bank Rakyat Indonesia (Persero) Tbk, commonly referred to as BRI, is an Indonesian state-owned financial institution specializing in microfinance, retail banking, and corporate banking services. The bank provides a range of products and services, including savings and deposit accounts, loans, investment services, and digital banking solutions. With a focus on supporting small and medium-sized enterprises (SMEs) and rural communities, BRI plays a significant role in advancing financial inclusion in Indonesia. The company is headquartered in Jakarta, Indonesia, and its shares are listed on the IDX (Indonesia Stock Exchange).