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# Bank Rakyat Indonesia reports H1 2026 net profit up 17.5% to IDR 31.2 trillion, raises loan growth guidance
- URL: https://www.theglobalbanker.com/bri-h1-2026-net-profit-31-2-trillion-loan-growth-guidance/
- Published: 2026-08-31T13:58:00.000Z
- Updated: 2026-10-02T10:06:22.000Z
- Description: Bank Rakyat Indonesia posted H1 2026 net profit of IDR 31.2 trillion, up 17.5% year on year, and raised its full-year loan growth guidance to a range of 8-10%.
- Author: TGB Editorial Team
- Tags: Banking News, Asia-Pacific

Bank Rakyat Indonesia, one of the country's largest lenders, reported a first-half 2026 net profit of IDR 31.2 trillion, up 17.5% from the same period a year earlier, and raised its full-year loan growth guidance to a range of 8-10%.

The state-owned bank, known as BRI, said the strong earnings performance was supported by loan growth, lower funding costs and disciplined expense control across the group.

#### PROFIT GROWTH OUTPACES LOANS

Profit growth of 17.5% outpaced loan growth of 16.2% during the period. Funding costs fell, helped by a CASA ratio of 67.6%, while operating expenses rose only 0.7%.

On a bank-only basis, the cost of funds fell to 2.4% from 3.0%, the cost-to-income ratio improved to 39.2% from 41.9% and return on equity rose to 18.8% from 16.6%.

BRI's franchise centres on lending to Indonesian micro, small and medium-sized enterprises, with MSME loans of IDR 1,235.4 trillion, up 8.6% year on year, making up 75.1% of the portfolio.

#### GUIDANCE UPGRADE UNDERPINS OUTLOOK

Management raised its full-year 2026 loan growth guidance to 8-10% and kept its other targets unchanged, including a net interest margin of 7.4-7.8%, cost of credit of 3.1% and a cost-to-income ratio of 41-43%.

BRI presented the results to analysts on 31 August 2026.