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Bank Rakyat Indonesia (BBRI) investor relations material
Bank Rakyat Indonesia Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary31 Jul, 2025
Executive summary
Economic growth in Indonesia remains challenging, with stable inflation and government spending set to accelerate in H2 2025 to boost demand.
The institution balances its social mandate with commercial goals, supporting national programs and maintaining asset quality through risk-based pricing and digitalization.
Retail funding and digital initiatives drove CASA growth, with digital transactions and BRImo users up significantly year-over-year.
Subsidiaries Pegadaian and PNM contributed strongly to loan and profit growth, offsetting margin and NPL pressures.
Consolidated interim financial statements for H1 2025 prepared in accordance with PSAK and unaudited.
Financial highlights
Total assets reached IDR 2,106.4 trillion as of June 30, 2025, up from IDR 1,993.0 trillion at December 31, 2024, with loan growth at 6% and deposit growth at 6.7%.
Net profit for H1 2025 was IDR 26.53 trillion, down 11.2% year-over-year, impacted by the absence of a one-off non-loan provision reversal in June 2024.
Net interest margin (NIM) was 7.76% in H1 2025, up 16bps quarter-to-quarter, with an exit Q2 NIM of 7.84%.
Fee and other operational income grew 10.4% year-over-year, with operational profit up 2.2%.
Gross NPL ratio improved to 3.04% year-over-year; cost to income ratio rose to 41.9% in Q2 2025.
Outlook and guidance
Loan growth guidance for 2025 is 7–9%, but actual growth may end at the lower end or slightly below due to macroeconomic headwinds.
NIM guidance remains at 7.3–7.7%, with expectations of better liquidity and lower funding costs in H2 2025.
NPL ratio is expected to reach around 3% or slightly higher, and cost of credit may end at the higher end of the 3–3.2% guidance.
Focus remains on retail funding, digital expansion, and asset quality improvement, especially in micro and small segments.
Micro loan growth at the bank-only level is expected to be flat (0–1%) in 2025, with a potential return to growth (~2%) in 2026 as transformation initiatives mature.
Micro loan growth: When will it turn positive?
BRI's risk exposure in KDMP program?
Key drivers for sustaining NIM at current levels?
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Next Bank Rakyat Indonesia earnings date
Q3 202524 Oct, 2025
Next Bank Rakyat Indonesia earnings date
Q3 202524 Oct, 2025
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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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