This Is BRI's Strategy To Maintain Portfolio Quality Through Strengthening Risk Management

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 his presentation, BRI Risk Management Director Mucharom said, until the end of June 2025, BRI's non-performing loan (NPL) ratio was recorded at 3.04 percent, improving compared to the same period the previous year.

"We maintain credit growth selectively and continuously strengthen the monitoring process, as well as collection and recovery, so that asset quality can be maintained. This shows BRI's ability to maintain a healthy and sustainable credit portfolio," said Mucharom, Friday, August 22.

To anticipate potential risks in the future, BRI also continues to provide adequate reserves. BRI's NPL Coverage ratio was recorded at 188.84 percent, reflecting a high level of prudence and BRI's commitment to the principles of prudential banking.

"With a very adequate coverage ratio, BRI is not only able to maintain balance sheet stability 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 places credit quality as a top priority in the financing distribution process, including in the MSME segment which is the company's main focus.

"Our portfolio is mostly in the MSME segment. Therefore, we apply various strategies to keep lending healthy, on target, and contribute to national economic growth," he said.

He also explained that risk management is a very important part of BRI's transformation.

"We are strengthening risk organizations to focus more on each segment, perfect credit risk assessment models to make them more predictive and granular, and strengthen the function of the early warning system, digital collection, to recovery, both in the SME, micro, and consumer segments," Mucharom explained.

BRI's risk management strategy is also directed to be an integral part of the entire business process.

Strengthening is carried out through data capability, risk-based decision making (risk-based decision making), as well as increasing risk awareness at all levels of the organization.

Kinerja solid ini turut mendukung pencapaian laba konsolidasian BRI Group sebesar Rp26,53 triliun hingga akhir Juni 2025, serta total aset yang tumbuh 6,52 persen year on year menjadi Rp2.106,37 triliun.

“Ke depan, BRI akan terus memperkuat posisi sebagai lembaga keuangan nasional yang tangguh, berkelanjutan, dan adaptif terhadap berbagai tantangan, dengan tetap menempatkan pengelolaan risiko sebagai prioritas utama,” tutup Mucharom.

This solid performance also supports the achievement of BRI Group's consolidated profit of IDR 26.53 trillion by the end of June 2025, as well as total assets that grew 6.52 percent year on year to IDR 2,106.37 trillion.

"In the future, BRI will continue to strengthen its position as a strong, sustainable, and adaptive national financial institution to various challenges, while still placing risk management as a top priority," concluded Mucharom.