Looking for the latest updates on BRI’s financial performance? Here’s a concise review highlighting key metrics, trends, and what they imply for investors and stakeholders alike.

BRI Reports a Slight Decline in Net Profit in May 2025

In May 2025, Bank Rakyat Indonesia (BRI) recorded a net profit of 3.6 trillion IDR, marking an 11% decrease YoY and a 7% decline MoM. Over the first five months of 2025, the bank’s accumulated net profit stood at 18.6 trillion IDR, reflecting a 15% dip YoY. This figure falls slightly short of the consensus estimate, which predicts a 3% YoY decline for the full year.

Net Interest Income (NII) Shows Slight Improvement

The bank’s Net Interest Income (NII) narrowed its YoY decrease to just 1% during the five months, an improvement from the 3-4% drop seen earlier in Q1. This positive trend results from a balanced growth in interest income and interest expense, both remaining relatively flat during this period. Credit growth also played a role, rising by +5% YoY in May 2025—above the +4% YoY in March, yet still below the targeted +7-9% for 2025.

Interest Margin and Non-Interest Income

Despite NII gains, the bank’s Net Interest Margin (NIM) stayed modest at 6.17% in May 2025, slightly below last year’s 6.48%, keeping the margin in line with management’s full-year target of 6.38%.

Meanwhile, Non-Interest Income and Provisions declined, dampening overall profitability. Improved NII did not fully reflect in operating profits, which dipped -9% YoY during the first five months, compared to -6% in Q1. This decline traces back to weaker trading profits and other income, which fell short of earlier expectations, averaging around 3.8 trillion IDR in April-May 2025 versus higher levels earlier in the year.

Rising Provisions and Cost of Credit

On the expense side, provision costs and Cost of Credit (CoC) increased for two consecutive months, reaching approximately 3.24 trillion IDR in May 2025. This resulted in a total provision expense of 17.7 trillion IDR for the first five months, a 1% YoY decrease but still above the bank’s targeted rate of 3.2% based on consolidated forecasts. Such rising provisions indicate cautious banking sentiment amid uncertain economic conditions.

What Does the Data Signal?

Overall, BRI’s financials suggest resilience amid challenges. Improvements in NII and credit growth are positive signs, yet pressures on non-interest income and provisions hint at cautious outlooks. For investors, maintaining an eye on these trends is essential, as the bank balances growth with risk management in an evolving market landscape.

For more detailed insights, visit BRI’s stock overview and review the full financial report here.