Bank Rakyat Indonesia (BBRI) investor relations material

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.