Bank Rakyat Indonesia (BBRI) Q4 2025 earnings summary

Executive summary

• Management team refreshed with five new directors, ensuring stability and execution strength.

• Achieved consolidated net profit of Rp57.1 trillion for 2025, with total comprehensive income of Rp60.0 trillion.

• Indonesian GDP grew 5.1% year-on-year in 2025, with resilient but uneven recovery across segments.

• CASA ratio rose to 70.6% in 2025, up from 67.3% in 2024, reflecting strong retail funding momentum.

• Focus on transforming funding franchise, digital optimization, and asset quality improvement.

Financial highlights

• Total consolidated assets reached Rp2,135 trillion as of December 31, 2025, up from Rp1,992 trillion at year-end 2024.

• Loan growth reached 12.3% year-on-year, with total consolidated loans and financing at Rp1,521.5 trillion.

• Net profit declined 5.3% year-on-year, mainly due to absence of prior year one-off gains; net profit was Rp57.1 trillion.

• Net interest margin stood at 7.8% in December 2025, above guidance.

• Cost-to-income ratio stable at 42.5%; operating expenses up 7.7% year-on-year.

Outlook and guidance

• 2026 loan growth guided at 7%-9%, driven by consumer, commercial, and corporate segments.

• NIM guidance for 2026 at 7.4%-7.8%; cost of credit expected at 2.9%-3.2%.

• Cost-to-income ratio for 2026 maintained at 41%-43%.

• Dividend payout expected to remain high, at least similar to previous years (80%-90%).

• Management expects continued growth in loans and deposits, with a focus on UMKM lending.