T Bank Rakyat Indonesia (BRI), the nation's most profitable bank and the second-largest by assets, saw its margin under pressure, but cost efficiencies and fee-based income helped lift the bank's net profits in the second quarter of this year. The lender, most commonly known as BRI, posted Rp 8.6 trillion (US$911.6 million) in net profits in the April-June period, up 26.8 percent from the same quarter a year ago, it announced on Friday. BRI saw its lending grow 14.7 percent to Rp 265.8 trillion in outstanding loans, almost half of the overall commercial banking sector's 28 percent loan growth, according to Bank Indonesia (BI). "A significant increase in fee-based income, lower cost of funds and loan growth have pushed up net profits," BRI president director Sofyan Basir told a press briefing.