{"id":28443,"date":"2026-11-13T10:20:06","date_gmt":"2026-11-13T03:20:06","guid":{"rendered":"https:\/\/businessupdate.id\/?p=28443"},"modified":"2026-11-13T10:20:08","modified_gmt":"2026-11-13T03:20:08","slug":"bri-terapkan-prinsip-kehati-hatian-dalam-penyaluran-kredit-jaga-npl","status":"publish","type":"post","link":"https:\/\/businessupdate.id\/?p=28443","title":{"rendered":"BRI Terapkan Prinsip Kehati-hatian dalam Penyaluran Kredit, Jaga NPL"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>BusinessUpdate &#8211;<\/strong> PT Bank Rakyat Indonesia (Persero) Tbk atau BRI selalu menerapkan prinsip kehati-hatian, pengelolaan risiko yang disiplin, serta penguatan kualitas penyaluran kredit. Hingga akhir September 2026, rasio <em>Non-Performing Loan<\/em> atau NPL tercatat 2,85%, membaik dibandingkan pada September 2025 sebesar 3,1% dan Juni 2026 pada 2,9%.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Direktur Manajemen Risiko BRI Ety Yuniarti mengatakan BRI terus menjaga kualitas pertumbuhan bisnis sebagai bagian dari upaya memastikan dukungan pembiayaan bagi ekonomi kerakyatan dapat berlangsung secara sehat dan berkelanjutan. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cPengelolaan kualitas aset tetap menjadi bagian dari strategi prioritas kami, agar ekspansi kredit dapat menghasilkan pertumbuhan yang sehat dan berkelanjutan. Kami meyakini bahwa disiplin dalam pengelolaan risiko merupakan fondasi utama untuk menjaga ketahanan bisnis BRI dalam jangka panjang,\u201d ujar Ety dalam Press Conference Kinerja Keuangan Triwulan III\/2026 yang digelar di Jakarta, (9\/11\/2026).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Menurut Ety, BRI juga secara konsisten memperkuat kualitas penyaluran kredit melalui <em>selective growth<\/em>, peningkatan <em>early warning system,<\/em> serta optimalisasi proses <em>collection dan recovery<\/em>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sejalan dengan perbaikan kualitas kredit, biaya risiko kredit atau <em>credit cost<\/em> turun menjadi 2,8% pada September 2026, dari 3,2% pada periode yang sama tahun sebelumnya, atau membaik 41 basis poin secara tahunan. Penurunan biaya tersebut mencerminkan semakin terkendalinya risiko kredit sekaligus mendukung efisiensi biaya risiko Perseroan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Di tengah penurunan biaya risiko tersebut, BRI tetap menjaga tingkat pencadangan yang memadai. Rasio NPL Coverage tercatat sebesar 184,3%, meningkat dibandingkan 183,1% pada September 2025. Hal ini mencerminkan kehati-hatian BRI dalam memastikan kecukupan pencadangan terhadap potensi kredit bermasalah.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Disiplin dalam menjaga kualitas aset turut memperkuat ruang bagi BRI untuk melanjutkan pertumbuhan bisnis secara sehat. Hingga akhir September 2026, total aset konsolidasi BRI mencapai Rp2.338 triliun atau tumbuh 10,1% secara tahunan, ditopang oleh kredit dan pembiayaan yang meningkat 14,5% menjadi Rp1.647 triliun. Pertumbuhan tersebut lebih tinggi dibandingkan kredit industri perbankan nasional yang tumbuh 13,26%.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Seiring dengan kualitas aset yang tetap terjaga, BRI membukukan laba bersih konsolidasi sebesar Rp48,2 triliun, tumbuh 16,8% secara tahunan dibandingkan Rp41,2 triliun pada periode yang sama tahun sebelumnya. (rn\/jh. Foto: Dok. BRI)<\/p>\n","protected":false},"excerpt":{"rendered":"<p>BusinessUpdate &#8211; PT Bank Rakyat Indonesia (Persero) Tbk atau BRI selalu menerapkan prinsip kehati-hatian, pengelolaan risiko yang disiplin, serta penguatan kualitas penyaluran kredit. Hingga akhir September 2026, rasio Non-Performing Loan atau NPL tercatat 2,85%, membaik dibandingkan pada September 2025 sebesar 3,1% dan Juni 2026 pada 2,9%. Direktur Manajemen Risiko BRI Ety Yuniarti mengatakan BRI terus [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":23314,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[84,46],"tags":[11618,103,13378,13379,1942,3619],"class_list":["post-28443","post","type-post","status-publish","format-standard","has-post-thumbnail","category-bank","category-economic","tag-bank-rakyat-indonesia","tag-bri","tag-kredit-bermasalah","tag-non-performing-loan","tag-npl","tag-rasio"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.5.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>BRI Terapkan Prinsip Kehati-hatian dalam Penyaluran Kredit, Jaga NPL - Businessupdate.id<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/businessupdate.id\/?p=28443\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"BRI Terapkan Prinsip Kehati-hatian dalam Penyaluran Kredit, Jaga NPL - Businessupdate.id\" \/>\n<meta property=\"og:description\" content=\"BusinessUpdate &#8211; PT Bank Rakyat Indonesia (Persero) Tbk atau BRI selalu menerapkan prinsip kehati-hatian, pengelolaan risiko yang disiplin, serta penguatan kualitas penyaluran kredit. Hingga akhir September 2026, rasio Non-Performing Loan atau NPL tercatat 2,85%, membaik dibandingkan pada September 2025 sebesar 3,1% dan Juni 2026 pada 2,9%. Direktur Manajemen Risiko BRI Ety Yuniarti mengatakan BRI terus [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/businessupdate.id\/?p=28443\" \/>\n<meta property=\"og:site_name\" content=\"Businessupdate.id\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/profile.php?id=100088795961927\" \/>\n<meta property=\"article:published_time\" content=\"2026-11-13T03:20:06+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-11-13T03:20:08+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/businessupdate.id\/wp-content\/uploads\/2026\/01\/BRI-linkUMKM-e1769558496159.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"736\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"Rahman N\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@EnterpriseMse\" \/>\n<meta name=\"twitter:site\" content=\"@EnterpriseMse\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Rahman N\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/businessupdate.id\/?p=28443\",\"url\":\"https:\/\/businessupdate.id\/?p=28443\",\"name\":\"BRI Terapkan Prinsip Kehati-hatian dalam Penyaluran Kredit, Jaga NPL - Businessupdate.id\",\"isPartOf\":{\"@id\":\"https:\/\/businessupdate.id\/#website\"},\"datePublished\":\"2026-11-13T03:20:06+00:00\",\"dateModified\":\"2026-11-13T03:20:08+00:00\",\"author\":{\"@id\":\"https:\/\/businessupdate.id\/#\/schema\/person\/ee5f4945907fe4de4de101853e46af6f\"},\"breadcrumb\":{\"@id\":\"https:\/\/businessupdate.id\/?p=28443#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/businessupdate.id\/?p=28443\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/businessupdate.id\/?p=28443#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/businessupdate.id\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"BRI Terapkan Prinsip Kehati-hatian dalam Penyaluran Kredit, Jaga NPL\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/businessupdate.id\/#website\",\"url\":\"https:\/\/businessupdate.id\/\",\"name\":\"Businessupdate.id\",\"description\":\" \",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/businessupdate.id\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/businessupdate.id\/#\/schema\/person\/ee5f4945907fe4de4de101853e46af6f\",\"name\":\"Rahman N\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/businessupdate.id\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/1b32fc3b4985e656f7a6bdb915824456c4309ce4721945bcc9d320300beed9f0?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/1b32fc3b4985e656f7a6bdb915824456c4309ce4721945bcc9d320300beed9f0?s=96&d=mm&r=g\",\"caption\":\"Rahman N\"},\"sameAs\":[\"http:\/\/businessupdate.id\"],\"url\":\"https:\/\/businessupdate.id\/?author=4\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"BRI Terapkan Prinsip Kehati-hatian dalam Penyaluran Kredit, Jaga NPL - Businessupdate.id","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/businessupdate.id\/?p=28443","og_locale":"en_US","og_type":"article","og_title":"BRI Terapkan Prinsip Kehati-hatian dalam Penyaluran Kredit, Jaga NPL - Businessupdate.id","og_description":"BusinessUpdate &#8211; PT Bank Rakyat Indonesia (Persero) Tbk atau BRI selalu menerapkan prinsip kehati-hatian, pengelolaan risiko yang disiplin, serta penguatan kualitas penyaluran kredit. 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