Jakarta. Bank Rakyat Indonesia (BRI), Indonesia’s largest lender by assets, recorded a consolidated net profit of Rp 41.2 trillion ($2.5 billion) as of the third quarter of 2025, according to the bank’s financial statement released on Thursday.

The result marked a 9.1 percent decrease from Rp 45.36 trillion in the same period last year. Interest income rose modestly by 2.9 percent to Rp 110.99 trillion.

As of September, BRI’s total loans amounted to Rp 1,438.11 trillion, an increase of 6.26 percent year-on-year. Of that amount, about 80 percent or Rp 1,150.73 trillion was disbursed to micro, small, and medium enterprises (MSMEs) -- a segment that remains central to the bank’s lending portfolio. The lender’s total assets stood at Rp 2,123.45 trillion at the end of the quarter.

In a press statement, President Director Hery Gunardi elaborated on the use of government funds placed in state-owned banks, including BRI, to stimulate growth.

“Of the Rp200 trillion allocated to the banking sector through the Ministry of Finance, BRI received Rp 55 trillion,” Hery said. “We have distributed these funds to promote economic recovery – Rp 28.08 trillion for micro loans, Rp 11.07 trillion for corporate financing, Rp 10.13 trillion for commercial credit, and Rp 6.58 trillion for consumer lending.”

Supporting National Programs
Throughout 2025, BRI has actively supported government initiatives aimed at improving welfare and reducing poverty. Hery emphasized that BRI’s extensive 1.2 million BRILink agents across the country are helping strengthen local cooperatives and expand access to financial services.

“Through BRILink, we are ready to assist over 80,000 cooperatives nationwide,” he said.

BRI has also contributed to the ‘Three Million Homes’ program by extending Rp 15.07 trillion in housing finance to more than 110,000 low-income borrowers, ensuring broader access to affordable housing.

In addition, the bank has played a key role in implementing social-aid programs. It disbursed Rp 2.25 trillion in wage subsidies to 3.7 million recipients across four phases to help maintain purchasing power amid economic challenges.

Hery added that BRI is also participating in the government’s free-nutrition program, providing banking access to over 3,800 community kitchens serving nutritious meals to schoolchildren and vulnerable groups.

“This reflects BRI’s continued commitment as an agent of development -- ensuring that our banking services support inclusive growth and community welfare,” Hery said.