PT Bank Rakyat Indonesia Tbk (BBRI) Posts Rp31.2 Trillion in Net Profit for H1 2026, Up 17.5% YoY
PT Bank Rakyat Indonesia (Persero) Tbk, trading as PT Bank Rakyat Indonesia Tbk (IDX: BBRI), generated a consolidated net profit of Rp31.2 trillion during the first half of 2026. According to financial statements published in mass media and reported by CNBC Indonesia and Bloomberg Technoz, this marks a 17.5% year-over-year increase compared to Rp26.53 trillion in the corresponding period of 2025.
The Bottom Line
- Net Profit Growth: Hit Rp31.2 trillion, representing a 17.5% increase year-over-year, driven by stronger net interest income and lower interest expenses.
- Loan Expansion: Consolidated loans and financing expanded by 16.2% year-over-year to reach Rp1.646 triliun, anchored by a 75.1% composition in the MSME sector.
- Funding Stability: Third-party funds climbed to Rp1.581 triliun, supported by a Current Account Savings Account (CASA) ratio of 67.6%.
Top-Line Growth and Margin Compression Mitigation
Here is the math behind the numbers. For the six months ending June 30, 2026, PT Bank Rakyat Indonesia Tbk (IDX: BBRI) reported total interest income of Rp107,92 triliun, up 5.41% from Rp102,38 triliun in the first half of 2025, according to Bloomberg Technoz data. But the balance sheet tells a more efficient story regarding liability management.
Interest expenses dropped 5.87% year-over-year down to Rp27,39 triliun, contracting from Rp29,10 triliun in the prior-year period. This containment of funding costs pushed net interest income alongside net insurance service revenue up 10.13% year-over-year to reach Rp81,18 triliun. Bloomberg Technoz figures specifically isolate net interest income at Rp80,53 triliun, up 9.9% from Rp73,27 triliun.
Net profit attributable to the parent entity reached Rp30,87 triliun, marking an identical 17.5% expansion from the Rp26,28 triliun recorded in the first half of 2025. Consequently, earnings per share rose to Rp205, improving from Rp174 a year earlier.
Intermediation Performance and Asset Quality Metrics
Credit distribution showed steady acceleration through the first and second quarters. Total consolidated credit and financing expanded by 16.2% year-over-year to hit Rp1.646 triliun, stepping up from Rp1.460,73 triliun at the close of 2025. Within this portfolio, MSME credit accounted for 75.1% of the total, advancing by 8.6% year-over-year. Islamic financing components contributed Rp61.21 triliun, alongside financing receivables of Rp3.90 triliun.
Asset quality required careful navigation as loan growth scaled. Gross non-performing loans (NPL) improved, dropping to 3.15%, while net NPL ticked up to 1.04%. Total assets for the banking giant expanded to Rp2.352 triliun, reflecting an 11.57% year-over-year increase.
On the funding side, third-party funds grew 6.7% year-over-year to reach Rp1.581 triliun over the six-month span. Low-cost funds remained a core pillar of this liquidity base. The CASA ratio touched 67.6%, expanding by 10.1% year-over-year.
H1 2026 Financial Snapshot
| Financial Metric | H1 2025 (Rp) | H1 2026 (Rp) | YoY Change (%) |
|---|---|---|---|
| Consolidated Net Profit | 26.53 Trillion | 31.2 Trillion | +17.5% |
| Net Profit (Parent Entity) | 26.28 Trillion | 30.87 Trillion | +17.5% |
| Total Interest Income | 102.38 Trillion | 107.92 Trillion | +5.41% |
| Interest Expense | 29.10 Trillion | 27.39 Trillion | -5.87% |
| Consolidated Loans & Financing | 1,460.73 Trillion (FY25) | 1,646 Trillion | +16.2% |
| Total Assets | Not Disclosed | 2,352 Trillion | +11.57% |
The Broader Banking Landscape
Net insurance service income also contributed to non-interest revenue streams, climbing to Rp648,69 miliar from Rp437,11 miliar in the first half of 2025.
