BRI’s February Profit
BRI Net Profit recovers Considerably in February 2025
JAKARTA – PT Bank Rakyat Indonesia Tbk (BBRI), also known as BRI, experienced a significant recovery in February 2025, recording a net profit of Rp 4.6 trillion. This represents a 42% year-over-year increase and a 129% increase compared to January 2025, according to a review by Stockbit Securities.
Though, this performance means that BRI’s net profit for the first two months of 2025 fell by 18% year-over-year to Rp 6.6 trillion. This is below the estimated consolidated growth for 2025, which consensus forecasts at -1.3% year-over-year. Analysts attribute this shortfall to management overlay
in january 2025.
Net profit growth in February 2025 was driven by a significant decrease in provision load to Rp 3.3 trillion, a decrease of 49% year-over-year and 41% month-over-month. This was reflected in the
cost of credit(CoC) which fell to 3.28% in February. This compares favorably to 5.57% in January 2025 and 6.72% in February 2024.Stockbit Securities Review
Operationally, PPOP (Pre-Provision Operating Profit) fell 11% year-over-year in February 2025 due to increased labor costs, which rose 91% year-over-year. The net interest margin
(NIM) remained relatively stable at 6.39% in February 2025, compared to 6.17% in February 2024 and 6.15% in January 2025.
BRI’s Financial Performance: February 2025 Recovery
Introduction
This article provides a complete analysis of PT Bank Rakyat Indonesia Tbk (BBRI), or BRI’s, financial performance, focusing on the significant recovery observed in February 2025. We will delve into key metrics, explore the factors driving the recovery, and offer insights into the bank’s overall trajectory.
Key Financial Highlights: February 2025
What was BRI’s net profit in February 2025?
BRI’s net profit in February 2025 reached Rp 4.6 trillion. This is according to a review by Stockbit Securities.
How did February 2025’s net profit compare to previous periods?
The Rp 4.6 trillion net profit in February 2025 reflects:
A 42% year-over-year increase.
A 129% increase compared to January 2025.
What impact did this have on the year-to-date performance?
Despite the strong February performance, BRI’s net profit for the first two months of 2025 fell by 18% year-over-year, totaling Rp 6.6 trillion. This is below the estimated consolidated growth for 2025, which forecasts at -1.3% year-over-year.
Factors Driving the Recovery
what factors contributed to BRI’s net profit recovery in February 2025?
The primary driver of the net profit growth in February 2025 was a significant decrease in the provision load, dropping to Rp 3.3 trillion. This decrease was 49% year-over-year and 41% month-over-month and was attributed to the cost of credit (CoC).
How did the “Cost of Credit” (CoC) affect the profitability?
The CoC fell to 3.28% in February 2025. The CoC in February 2025 shows a remarkable enhancement:
3.28% in February 2025
5.57% in January 2025
6.72% in February 2024
Operational Efficiency and Challenges
What where the operational challenges faced by BRI in February 2025?
Operationally,the Pre-Provision Operating Profit (PPOP) fell 11% year-over-year in February 2025.This decline was primarily due to increased labor costs, which surged by 91% year-over-year.
How did the Net Interest Margin (NIM) perform?
the net interest margin (NIM) remained relatively stable at 6.39% in February 2025. This compares to 6.17% in February 2024 and 6.15% in January 2025.
Summary Table
| Metric | February 2025 | January 2025 | February 2024 | Year-over-Year Change (Feb ’25) |
| ————————— | —————– | —————– | —————– | —————————– |
| Net Profit (Rp Trillion) | 4.6 | Data not available | Data not available | 42% |
| Provision Load (Rp Trillion) | 3.3 | Data not available | Data not available | -49% |
| Cost of Credit (CoC) | 3.28% | 5.57% | 6.72% | Decrease |
| PPOP (YoY Change) | Data not available | Data not available | Data not available | -11% |
| NIM | 6.39% | 6.15% | 6.17% | Stable |
Conclusion
BRI demonstrated a significant recovery in february 2025, primarily driven by a reduction in provision load. While the year-to-date performance reflects a decline, the improved February results suggest positive momentum. The bank’s ability to manage operational costs and maintain a stable NIM will be crucial for sustained financial success.
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