Bank Raya posts Rp21 billion profit as digital lending rises 20%
Digital savings grew 35.6% year on year to Rp2.4 trillion, while transactions through the Raya app reached 4.9 million.
PT Bank Raya Indonesia Tbk reported net profit of Rp21 billion for the third quarter of 2026, with digital loan disbursements rising 20% from a year earlier to Rp24.73 trillion.
The bank's outstanding digital loans stood at Rp3.04 trillion, an increase of 11.3% year on year. Digital savings reached Rp2.4 trillion, up 35.6%, while the number of transactions on its Raya app grew 44.7% to 4.9 million.
Current and savings accounts accounted for 35.83% of funding, compared with 29.78% a year earlier. In a statement dated 30 October 2026, Bank Raya president director Ida Bagus Ketut Subagia said the higher ratio reflected a growing contribution from digital savings to the bank's funding structure.
Asset quality indicators also improved. The gross non-performing loan ratio fell by 203 basis points year on year to 2.53%, while the net ratio declined by 131 basis points to 0.41%, according to the bank.
Net interest margin rose by 83 basis points from a year earlier to 5.83%. The bank reported a loan-to-deposit ratio of 78.65%.
Its liquidity coverage ratio was 707.4%, and its net stable funding ratio stood at 167.59%, above the minimum requirement of 100%. The capital adequacy ratio was 42.35%.
