So an important part of transformation, this is BRI’s strategy to maintain the quality of the portfolio through strengthening risk management

FAJAR.CO.ID, JAKARTA – PT Bank Rakyat Indonesia (Persero) Tbk or BRI continues to show positive and sustainable performance amid the dynamics of the national and global economy. In exposure to the consolidated financial performance in the second quarter of 2025 which was held in Jakarta (01/08), BRI recorded an improved performance indicator, especially in terms of quality assets and risk management.

In his presentation, Director of Risk Management BRI Mucharom said that until the end of June 2025, the ratio of problem loans or Loans that don’t perform (NPL) BRI was recorded at 3.04%, improved compared to the same period the previous year.

“We maintain credit growth selectively and continuously strengthen the monitoring process, as well as billing and recovery (Collection & recovery), so that the quality of assets can be maintained. This shows BRI’s ability to maintain a healthy and sustainable credit portfolio, “said Mucharom.

To anticipate potential risk going forward, BRI also still provides adequate reserves. Ratio NPL coverage BRI was recorded at 188.84%, reflecting the high level of caution and BRI’s commitment to the principles Prudential banking.

“With Coverage Ratio What is very adequate, BRI is not only able to maintain the stability of the balance sheet in a sustainable manner, but also provides confidence for investors, regulators, and all stakeholders that the company’s fundamentals remain strong, “he added.

Mucharom added that BRI consistently placed credit quality as a top priority in the financing distribution process, including the UMKM segment which became the company’s main focus.