PT Bank Rakyat Indonesia Achieves Net Profit Milestone
Recently, PT Bank Rakyat Indonesia (Persero) Tbk announced a remarkable net profit of IDR 41.2 trillion for the third quarter of 2025. Under the leadership of President Director Hery Gunardi, the bank's performance demonstrates resilience and strategic foresight within a dynamic economic landscape.
Strong Economic Conditions Fuel Growth
With a stable macroeconomic environment acting as a catalyst, BRI has positioned itself for growth opportunities. Hery explained that favorable conditions have allowed the bank to focus on lowering funding costs, enhancing liquidity, and responding to increased loan demand. These factors combined create a robust foundation for ongoing success.
Total Assets on the Rise
BRI experienced an 8.2% year-on-year increase in total assets, bringing the total to IDR 2,123.4 trillion. This growth is complemented by a significant 6.3% rise in loans, now totaling IDR 1,438.1 trillion, alongside a similar increase in third-party funds, reaching IDR 1,474.8 trillion. Notably, the bank's Current Account-Savings Account ratio improved to 67.6%, while maintaining a solid Capital Adequacy Ratio of 25.4% and a Non-Performing Loan ratio of 3.08%.
Advancements in Digital Banking
The digital banking sector continues to flourish, showcasing significant user growth. The BRImo platform saw an impressive 19.4% increase in users, bringing the total to 44.4 million. The volume of digital transactions surged by 25.6%, reaching IDR 5,067.1 trillion. The expansion of Qlola, a digital service, reflects a 35.4% year-on-year growth, reinforcing the bank's commitment to innovation.
Community Support Through Government Programs
In its dedication to community welfare and economic stability, BRI has actively participated in government initiatives aimed at promoting inclusive economic growth. The People's Business Credit program allowed BRI to disburse an astonishing IDR 130.2 trillion to 2.8 million borrowers, driving local entrepreneurship and financial inclusion.
Promoting Welfare and Housing Initiatives
BRI’s mission extends beyond banking services; it actively supports social welfare programs as well. The bank has now contributed to the Free Nutritious Meal Program by assisting 3,854 community kitchens with IDR 104.4 billion aimed at enhancing nutrition among families in need. This reflects BRI's commitment to social responsibility.
Enhancing Access to Housing
Moreover, BRI aims to improve housing accessibility through the Three Million Homes Program, disbursing IDR 15.07 trillion in housing loans to over 110,000 low-income families. Financial assistance also includes IDR 2.25 trillion allocated for Wage Subsidy Assistance that benefits 3.7 million individuals while supporting cooperative programs such as the Merah Putih Village Cooperative Program.
Empowerment Programs Drive Economic Growth
BRI continues to empower local communities through various initiatives. The Ultra Micro Holding program now caters to 34.5 million borrowers and 185 million savings accounts, showcasing financial inclusivity. The growing BRILink Agent network, which has expanded to 1.2 million agents across 66,000 villages, facilitates transactions worth IDR 1,293.5 trillion, bridging access to finance in remote areas.
Fostering Community-Based Development
The BRILian Village program spans over 4,909 villages, enhancing community development through collaborative efforts. KlasterkuHidupku strengthens 41,715 business clusters, while LinkUMKM has empowered 13.6 million MSMEs by granting them access to digital markets, which is crucial for modern entrepreneurship.
Frequently Asked Questions
What is BRI's reported net profit for Q3 2025?
BRI reported a net profit of IDR 41.2 trillion in Q3 2025.
How has BRI's total assets changed compared to last year?
BRI's total assets grew by 8.2% year-on-year, totaling IDR 2,123.4 trillion.
What role does digital banking play in BRI's growth?
Digital banking has significantly expanded with BRImo users increasing by 19.4% YoY, facilitating a surge in transaction volume.
How does BRI support community welfare?
BRI supports community welfare through various programs, including the Free Nutritious Meal Program and housing loans for low-income families.
What initiatives does BRI have for empowering local economies?
BRI employs multiple empowerment initiatives including Ultra Micro Holding and the BRILink Agent network to enhance financial access and support local entrepreneurs.
