BRI Reports Decline in Profit Despite Rising Net Interest Income

Financial Performance Overview

PT Bank Rakyat Indonesia (Persero) Tbk (BBRI) recorded a standalone profit of Rp 41.06 trillion as of October 2025, marking a 10.21% year-on-year decline compared to the same period last year. This decrease in profit occurred despite the bank's success in growing its net interest income to Rp 93.46 trillion, representing a 1.58% YoY increase from Rp 92.01 trillion.

Analysis of Key Financial Metrics

The bank's financial report highlights the challenge of maintaining profit growth in a competitive banking environment. While net interest income showed positive growth, the overall profit was negatively affected by other factors. The 1.58% increase in net interest income demonstrates BRI's ability to maintain its core banking business performance.

Market Implications

This performance reflects the complex dynamics in Indonesia's banking sector, where banks must balance between growing their loan portfolios and managing operational costs. BRI's experience may indicate broader trends in the Indonesian banking industry, particularly in terms of profitability challenges.