PT Bank Rakyat Indonesia's Quarter 1 2025 Financial Performance
In an impressive display of resilience, PT Bank Rakyat Indonesia (Persero) Tbk (IDX: BBRI) has reported a consolidated net profit of IDR 13.80 trillion for the first quarter of 2025. This positive outcome highlights the bank’s robust performance amidst ongoing global economic challenges. The bank's total assets also saw a healthy increase, rising to IDR 2,098.23 trillion, marking a year-on-year growth of 5.49%.
During the Financial Performance Press Conference held on April 30, 2025, BRI President Director Hery Gunardi emphasized that despite the complex global economic dynamics, the BRI Group has navigated through these turbulent waters effectively. The bank has demonstrated significant growth across all business segments, not just in profit, but also in credit distribution and liquidity.
Credit Distribution and MSME Support
The bank reported a credit disbursement totaling IDR 1,373.66 trillion, reflecting a 4.97% increase on a year-on-year basis. BRI Micro Director Akhmad Purwakajaya noted that this growth is largely supported by initiatives aimed at enhancing financial literacy and inclusion, particularly through the expansion of the AgenBRILink program, which facilitates micro, small, and medium enterprise (MSME) financing.
Commitment to Risk Management
A key element of BRI's ongoing success is its commitment to effective and prudent risk management strategies. The bank's ability to manage its credit quality has been a significant factor in achieving its growth targets. BRI Risk Management Director, Mucharom, detailed that the bank's proactive approach to risk has ensured sustainable credit growth while safeguarding its clients' interests.
Strong Liquidity Position
When discussing liquidity, BRI Network Retail Funding Director Aquarius Rudianto indicated that the bank is in a solid position to support ongoing growth. The bank successfully accumulated Third-Party Funds (DPK) totaling IDR 1,421.60 trillion, with low-cost funds, or CASA (Current Account Savings Account), predominating at 65.77%, amounting to IDR 934.95 trillion. This composition provides BRI with an advantageous base for future funding and lending activities.
Financial Stability Indicators
Financially, BRI is poised for additional growth, with favorable liquidity and a strong capital base reinforcing investor confidence. The bank's Loan to Deposit Ratio (LDR) stands at an impressive 86.03%, while its Capital Adequacy Ratio (CAR) is at 24.03%. These figures underscore BRI’s commitment to maintaining a resilient business model that can withstand external pressures and foster further expansion.
Leadership Changes
On another note, the recent annual general meeting of shareholders held on March 24, 2025, led to the appointment of a new leadership team, which includes several key figures who will continue to drive BRI forward. Following their selection, BRI's leadership is set to employ strategic initiatives focused on enhancing the bank's market position and overall customer experience.
Looking Ahead
In conclusion, PT Bank Rakyat Indonesia has shown commendable performance in Q1 2025. Through successful credit management, strong risk oversight, and strategic funding collection, the bank sets an encouraging example within the banking sector. As it progresses, BRI remains committed to strengthening its foothold in the financial industry, contributing to economic stability and further elevating its service offerings to clients.
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