JAKARTA - PT Bank Rakyat Indonesia (Persero) Tbk (BRI) recorded an improved ratio of non-performing loans (NPL), as well as strengthening credit risk reserves in the first quarter of 2025.
BRI's NPL ratio recorded an improvement from 3.11 percent at the end of March 2024 to 2.97 percent at the end of March 2025.
"The reduction in the NPL ratio is the result of the implementation of effective risk management and the precautionary principle (prudent) in the loan disbursement process in all BRI business segments," said BRI Risk Management Director Mucharom, Thursday, May 8.
In addition, the improvement in credit quality was also reflected in BRI's Loan at Risk (LAR) ratio which fell significantly, from 12.68 percent in the first quarter of 2024 to 11.12 percent in the first quarter of 2025.
This improvement, he said, indicates that BRI credit portfolio management is getting healthier and more under control, even though the business sector is still facing external challenges such as geopolitical uncertainty.
To maintain balance sheet resilience, Mucharom said BRI also continues to increase adequate risk reserves. Until the end of March 2025, BRI's NPL Coverage Ratio is fairly strong with a ratio of 200.60 percent.
This achievement shows BRI's readiness to anticipate potential damage to asset quality that may arise due to uncertainty in the domestic and global economy.
"With this very adequate coverage ratio, BRI is not only able to maintain balance sheet stability in a sustainable manner, but also provides confidence to investors, regulators, and all stakeholders that the company has strong fundamentals in dealing with economic dynamics, especially in the midst of global economic and geopolitical pressure conditions such as tariff wars," said Mucharom.
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Meanwhile, in terms of lending, until the end of the first quarter of BRI managed to record credit disbursement of Rp1,373.66 trillion or grew 4.97 percent yoy.
BRI's credit disbursement is still dominated by the MSME segment with a portion reaching 81.97 percent of BRI's total credit, or with a nominal value of Rp1,126.02 trillion. This positive achievement reinforces BRI's commitment to strengthening the foundations of the people's economy.
For information, BRI Risk Management Director Mucharom was appointed at the Annual General Meeting of Shareholders (AGMS) on March 24, 2025 and was able to carry out duties and functions in his position after obtaining approval of the OJK Assessment of Ability and Property.
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