PT Bank Raya Indonesia Tbk (AGRO) has once again shown its prowess in the digital banking industry by posting positive financial performance in Q2/2026. This subsidiary of BRI successfully pocketed a net profit of Rp12.01 billion, driven by the rapid growth of digital financing and funding.
In the funding sector, this digital bank recorded a significant increase in customer deposits. Low-cost funds or Digital Saving surged by 66.4 percent year-on-year (yoy) to Rp2.47 trillion. This is also reflected in the 41.2 percent increase in transaction frequency on the Raya App, surpassing 3 million transactions. This increase also boosted the company's CASA ratio to 38.09 percent compared to 29.72 percent in the same period last year.
Digital credit expansion performance also recorded positive results. Until the first half of this year, Bank Raya's total digital credit disbursement reached Rp16.46 trillion, growing 22.6 percent (yoy), with outstanding credit at Rp3.17 trillion. The digital financing solution through the Pinang Dana Talangan product for BRILink Agents and Pawn Agents became the main engine, with total disbursement reaching Rp14.67 trillion to around 69 thousand agents across Indonesia.
President Director of Bank Raya, Ida Bagus Ketut Subagia, stated that this achievement proves the company's consistency in pursuing digital transformation in a healthy and sustainable manner. The company is committed to continuing to strengthen the digital ecosystem to provide a convenient, safe, and solution-oriented transaction experience for the wider community.
In addition to generating business growth, Bank Raya also maintained solid fundamental financial indicators. The net interest margin (NIM) ratio rose 104 bps to 5.95 percent. On the liquidity side, the Loan to Deposit Ratio (LDR) was recorded safe at 83.31 percent with a very thick capital adequacy ratio (CAR) of 40.8 percent, providing very ample room for expansion for the company.
Responding to customers' modern lifestyle needs, Bank Raya also introduced its latest innovation called Raya Active. This innovative feature connects customers' daily sports activity targets such as footsteps or calorie burning with an auto-saving mechanism integrated with third-party health applications on smartphones. This step is expected to encourage healthier and more interactive financial habits.
The consistency and innovation carried out by Bank Raya throughout the first half of 2026 were also appreciated by various institutions. The company successfully won 10 prestigious national and international awards, including being named one of the "Best Banks 2026" by Forbes and receiving the best digital service award from Infobank.
