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Bank Rakyat Indonesia
Bank Rakyat Indonesia (BBRI) investor relations material
Bank Rakyat Indonesia Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary26 Feb, 2026
Executive summary
Management team refreshed with five new directors, ensuring stability and execution strength.
Achieved consolidated net profit of Rp57.1 trillion for 2025, with total comprehensive income of Rp60.0 trillion.
Indonesian GDP grew 5.1% year-on-year in 2025, with resilient but uneven recovery across segments.
CASA ratio rose to 70.6% in 2025, up from 67.3% in 2024, reflecting strong retail funding momentum.
Focus on transforming funding franchise, digital optimization, and asset quality improvement.
Financial highlights
Total consolidated assets reached Rp2,135 trillion as of December 31, 2025, up from Rp1,992 trillion at year-end 2024.
Loan growth reached 12.3% year-on-year, with total consolidated loans and financing at Rp1,521.5 trillion.
Net profit declined 5.3% year-on-year, mainly due to absence of prior year one-off gains; net profit was Rp57.1 trillion.
Net interest margin stood at 7.8% in December 2025, above guidance.
Cost-to-income ratio stable at 42.5%; operating expenses up 7.7% year-on-year.
Outlook and guidance
2026 loan growth guided at 7%-9%, driven by consumer, commercial, and corporate segments.
NIM guidance for 2026 at 7.4%-7.8%; cost of credit expected at 2.9%-3.2%.
Cost-to-income ratio for 2026 maintained at 41%-43%.
Dividend payout expected to remain high, at least similar to previous years (80%-90%).
Management expects continued growth in loans and deposits, with a focus on UMKM lending.
Restructured loans trend and impact on NPL
Drivers of RWA increase in 2025
Explain the increase in other operating expenses
Micro loan NPL trend post-2027 resolution
Strategies to sustain affluent segment CASA growth?
How does value chain financing boost corporate ROA?
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Next Bank Rakyat Indonesia earnings date
Q1 202624 Apr, 2026
Bank Rakyat Indonesia
Next Bank Rakyat Indonesia earnings date
Q1 202624 Apr, 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).
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