Bank Rakyat Indonesia (BBRI) investor relations material

Executive summary

• Net profit grew 13.8% year-on-year in Q1 2026, driven by resilient core earnings, disciplined cost management, and strong loan growth across micro, consumer, and corporate segments.

• Transformation initiatives and digital expansion improved funding mix, digital engagement, and asset quality, especially in the Micro segment.

• Subsidiaries contributed significantly to consolidated net profit, led by Pegadaian's strong loan growth.

• Focus remained on quality-driven growth, disciplined underwriting, and ecosystem-led value chains to sustain long-term profitability.

• The group maintained a strong capital position, with CAR at 19.60% as of March 31, 2026.

Financial highlights

• Loan growth reached 13.7% year-on-year, with total assets up 7.2% to Rp2,249.8 trillion and deposits up 9.4%.

• Net profit increased 13.8% year-on-year to Rp15.63 trillion; PPOP rose 7.7% and net interest income grew 11.9%.

• CASA ratio improved to 68.1%, with CASA deposits growing 13.2% and robust retail funding momentum.

• Non-interest income grew 2.4% year-on-year, supported by fee income, gold-related revenue, and treasury gains.

• Cost-to-income ratio was 40.8%, within target range, and earnings per share rose to Rp103.

Outlook and guidance

• Full-year guidance maintained; 2026 loan growth guidance is 7–9%, with Q1 actual at 13.74%.

• NIM guidance for 2026 is 7.4–7.8%, with Q1 at 7.87%; cost of credit guidance is 2.9–3.2%.

• Loan growth expected to be driven by corporate, commercial, and consumer segments, with continued focus on asset quality.

• Management expects to maintain strong capital and liquidity positions, supporting business growth and risk management.