PT Bank Raya Indonesia Tbk (AGRO) demonstrated consistency in strengthening its financial performance in the first half of this year. Throughout Q2/2026, this BRI subsidiary successfully booked a net profit of Rp12.01 billion. This positive achievement was mainly driven by the pace of financing through the digital credit sector, which continues to show an expansive yet prudently managed trend.
Solid growth was also reflected in third-party funds collection. Bank Raya's digital savings surged by 66.4 percent year-on-year (yoy) to Rp2.47 trillion. This is in line with the transaction volume on the Raya App, which jumped 41.2 percent to reach 3 million transactions. Consequently, the low-cost funds ratio or Current Account Saving Account (CASA) of this digital bank increased to 38.09 percent from 29.72 percent in the same period last year.
By the end of June 2026, Bank Raya's digital credit distribution reached Rp16.46 trillion, an increase of 22.6 percent (yoy), with the outstanding balance reaching Rp3.17 trillion. The flagship product Pinang Dana Talangan was the primary driver, with realization of Rp14.67 trillion distributed to around 69,000 BRILink Agents and Pawn Agents, jumping 29.1 percent compared to the same period last year.
Bank Raya's President Director, Ida Bagus Ketut Subagia, stated that this positive performance is proof of the company's consistency in accelerating digital transformation. Through ecosystem strengthening and product refinement, Bank Raya is committed to providing secure, intuitive, and relevant banking services to drive high-quality long-term business growth.
Operational efficiency and asset optimization were also reflected in the net interest margin (NIM), which rose by 104 basis points (bps) to 5.95 percent. In terms of liquidity, the Loan to Deposit Ratio (LDR) was maintained at 83.31 percent, while the Liquidity Coverage Ratio (LCR) stood at 444.63 percent. Additionally, the bank's capital adequacy ratio (CAR) remained very robust at 40.8 percent, providing ample room for the company's expansion.
To maintain growth momentum, Bank Raya launched its latest innovation, the 'Raya Active' feature on its application. This healthy lifestyle-based feature allows customers to integrate their daily exercise activities with an automatic savings system. By linking the app to a smartphone health tracker, customers can save automatically every time their daily physical activity target is met.
This stellar performance also led Bank Raya to win 10 prestigious awards this quarter, including the 'Best Bank 2026' title from Forbes and appreciation from Infobank for the best digital service. Management emphasized that they will continue to focus on strengthening asset quality and delivering innovative financial solutions to maintain the trust of customers and stakeholders.
