Jakarta, 4 May 2026 – PT BRI Multifinance Indonesia (“BRI Finance”) demonstrated performance resilience amidst increasing industry awareness of financing risks. Until February 2026, the Company succeeded in maintaining its non-performing financing (NPF) ratio at 2.23%, reflecting the quality of its portfolio which remains well managed and within healthy limits in accordance with regulatory requirements.
President Director of BRI Finance, Wahyudi Darmawan, emphasized that this achievement cannot be separated from the Company’s consistency in prioritizing the principle of prudence and strengthening the overall risk management framework. “We ensure that every financing process is carried out in a disciplined manner, starting from the underwriting process, debtor eligibility analysis, to portfolio monitoring which is carried out regularly and in a measurable manner,” he said.
Along with this, BRI Finance also continues to improve the effectiveness of the collection function and strengthen the monitoring system for debtor payment obligations. This step is an integral part of the risk mitigation strategy to maintain asset quality stability amidst continuously developing external dynamics.
On the other hand, the Financial Services Authority (OJK) noted a trend of increasing non-performing financing ratios in the industry in recent times. These conditions encourage financing industry players to increasingly tighten the application of the precautionary principle and increase selectivity in business expansion.
“This dynamic has implications for increasing the need for reserves and encouraging the industry to be more prudent in channeling financing, while maintaining portfolio quality,” added Wahyudi.
However, BRI Finance sees room for growth remaining open in early 2026. Financing distribution is still showing a positive trend, with a more selective strategy and based on the debtor’s risk profile and people’s purchasing power.
This is in line with industrial activity which is still moving positively, supported by improvements in economic activity and performance in the automotive sector. In this context, the Company continues to maintain a balance between business acceleration and asset quality.
“By being disciplined in implementing risk management and strengthening monitoring and collection functions, we are optimistic that we can maintain healthy and sustainable performance,” concluded Wahyudi.
This press release has also appeared on VRITIMES.
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