PT Bank Rakyat Indonesia (Persero) Tbk has once again recorded a stellar performance through a business transformation strategy focused on strengthening its funding structure. The company's steps in optimizing low-cost funds or Current Account Saving Account (CASA) have proven effective in reducing the cost of funds while strengthening the foundation of profitability amidst global economic uncertainty.
As of March 2026, BRI successfully booked Third-Party Funds (DPK) reaching IDR 1,555.1 trillion, dominated by the CASA portion of IDR 1,058.6 trillion or equivalent to 68.07 percent of total Third-Party Funds. This efficiency is reflected in the quite drastic decline in the cost of funds, from 2.98 percent in the first quarter of the previous year to 2.33 percent in the same period this year.
BRI's President Director, Hery Gunardi, emphasized that this achievement was supported by high transaction activity in the company's digital ecosystem, such as the BRImo, QLola, and QRIS applications. The digitalization of these service channels is a key instrument for BRI in maintaining a balance between credit expansion, risk management, and profit margin sustainability.
Thanks to a healthy funding foundation, the BRI Group was able to book total assets worth IDR 2,250 trillion with loan growth of 13.7 percent to IDR 1,562 trillion. On a consolidated basis, the company also recorded a net profit of IDR 15.5 trillion, reflecting the resilience of its business fundamentals amidst challenging market dynamics.
The success of this transformation is also aligned with Danantara's strategic agenda in strengthening governance and risk management within State-Owned Enterprises (SOEs). The Head of the SOE Executing Agency, Dony Oskaria, stated that the government's main focus at this time is to ensure that SOEs not only excel in terms of business scale, but also possess capable operational efficiency and risk management to continue creating added value for the national economy.
