BRI Books Rp41,2 Trilion Profit, Reinforces Its Strategic Role in Driving the People's Economy

Core Insights - PT Bank Rakyat Indonesia (Persero) Tbk reported a net profit of IDR 41.2 trillion in Q3 2025, benefiting from stable macroeconomic conditions and growth potential driven by lower funding costs, better liquidity, and rising loan demand [1] Financial Performance - Total assets grew by 8.2% year-on-year, reaching IDR 2,123.4 trillion [2] - Loans increased by 6.3% year-on-year to IDR 1,438.1 trillion [2] - Third-party funds rose by 8.2% year-on-year to IDR 1,474.8 trillion [2] - The Current Account-Savings Account ratio improved to 67.6% [2] - Capital Adequacy Ratio stood at 25.4% and Non-Performing Loan ratio at 3.08% [2] Digital Banking Growth - BRImo users increased by 19.4% year-on-year to 44.4 million [2] - Transaction volume surged by 25.6% to IDR 5,067.1 trillion [2] - Qlola grew by 35.4% year-on-year [2] - Merchant and QRIS transactions increased by 20.8% and 133.1% year-on-year, respectively [2] Community Support Initiatives - BRI disbursed IDR 130.2 trillion through the People's Business Credit (KUR) program to 2.8 million borrowers [3] - Supported the Free Nutritious Meal Program with IDR 104.4 billion for 3,854 community kitchens [3] - Provided IDR 15.07 trillion in housing loans for 110,000 low-income families through the Three Million Homes Program [4] - Distributed IDR 2.25 trillion in Wage Subsidy Assistance (BLT) to 3.7 million beneficiaries [4] Economic Empowerment Programs - The Ultra Micro Holding ecosystem serves 34.5 million borrowers and 185 million savings accounts [5] - The BRILink Agent network expanded to 1.2 million agents across 66,000 villages, facilitating transactions worth IDR 1,293.5 trillion [5] - The BRILian Village program has grown to 4,909 villages, promoting community-based development [5] - KlasterkuHidupku strengthens 41,715 business clusters, while LinkUMKM empowers 13.6 million MSMEs by providing digital market access [5]