Jakarta, CNBC Indonesia - Year after year, PT Bank Rakyat Indonesia\n(Persero) Tbk (BBRI) has successfully recorded impressive performance\nand solid profits. Over the past 10 years, BRI has consistently achieved\nprofit growth, from Rp 25.4 trillion in 2015 to Rp 57.13 trillion in\n2025.<\/p>\n
To maintain healthy and sustainable growth, BRI has undergone\ntransformation through Brivolution Reignite. This initiative underscores\nBRI\u2019s ability to execute all its business lines effectively and\nsustainably.<\/p>\n
The transformation encompasses strengthening the acquisition of\nlow-cost funds (CASA), enhancing BRI\u2019s transaction capabilities,\nbolstering micro business operations, and accelerating new growth\nsources.<\/p>\n
BRIVolution Reignite reaffirms BRI\u2019s focus on fortifying funding\nstructures, accelerating digitalisation, improving productivity, and\ndeveloping core and new sustainable businesses. All these agendas are\nimplemented with a customer-centric orientation, while reinforcing BRI\u2019s\nrole as a bank serving all segments.<\/p>\n
Banking observer Moch Amin Nurdin assesses that the direction of\nBRI\u2019s new growth engine is quite prospective, thus not solely relying on\nthe MSME segment but moving towards stronger and more balanced revenue\nsources.<\/p>\n
With this new growth engine, BRI will focus on increasing penetration\nin the consumer segment, gold, and strengthening products and value\nchains in the commercial and corporate segments. Amin believes BRI\npossesses important \u2018capital\u2019 to run its new \u2018engine\u2019, namely a broad\ncustomer base and a robust ecosystem.<\/p>\n
The strong retail customer base can serve as a strength for\npenetrating the consumer segment, such as payroll loans, home loans, and\nmotor vehicle credit. The value chain approach in the commercial and\ncorporate segments also enhances cross-selling and financing quality.\nFurthermore, the aggressive digital transformation can expand access and\noperational efficiency.<\/p>\n
\u201cWith this combination, this new engine has the potential to become a\nsource of medium- and long-term growth, not just short-term expansion.\nThis is a very good part of the strategy in driving Bank BRI\u2019s revenue\ngrowth, as Indonesia\u2019s largest bank at present,\u201d said Amin to CNBC\nIndonesia recently.<\/p>\n
One of the business lines being intensified is gold, through a\ndigital approach together with its subsidiary, Pegadaian. Through the\nUltra Micro Holding, BRI is able to reach a wider society. The gold\nbusiness is further shining with the presence of the bullion bank\nlicence mandated to Pegadaian. As of October 2025, the amount of gold\ncollected by Pegadaian has reached 129 tons.<\/p>\n
Amin assesses that developing the gold business is no less important,\nas it has promising prospects as a new revenue source. Moreover, the\npresence of the bullion bank is said to mark a new chapter in gold\nmanagement in the country, while also increasing added value to the\nnational economy.<\/p>\n
\u201cHigh gold demand that tends to be defensive as an investment\ninstrument. Then strengthening the national bullion ecosystem from\nupstream to downstream and integration with Pegadaian and digital\nchannels that expand customer access,\u201d emphasised Amin.<\/p>\n
In terms of the industry, the number of customers and the volume of\ngold savings show significant growth, reflecting substantial\nmonetisation potential. With a business model encompassing savings,\nfinancing, and gold trading, the bullion bank can become a source of\nfee-based income and alternative liquidity for BRI.<\/p>\n
Not only that, BRI\u2019s other subsidiaries also play an important role\nin sustainability. Amin mentions the synergy of the Ultra Micro Holding\n(UMi) which expands customer reach and strengthens the financing\necosystem, then Pegadaian which plays a key role in the gold business as\na new engine, and BRI Finance and other entities in strengthening the\nconsumer segment and joint financing.<\/p>\n
Throughout 2025, BRI\u2019s subsidiaries recorded impressive performance\nwith total net profit growing 16.1% to Rp 10.37 trillion, contributing\n19.4% to the parent company\u2019s consolidated total profit.<\/p>\n
The contribution from BRI\u2019s subsidiaries has increased compared to\nprevious years. In 2024, the subsidiary contribution was only 14.7% with\ntotal profit of Rp 8.93 trillion, which then rose to nearly 20% in 2025.\nMeanwhile, from the total assets side, subsidiaries also recorded a\n23.4% increase from Rp 215.5 trillion in 2024 to Rp 267 trillion in\n2025.<\/p>\n
BRI\u2019s ten subsidiaries are PT Pegadaian, operating in the pawnshop\nindustry, gold, and microfinance; PT Permodalan Nasional Madani (PNM)\noperating in ultramicro financing; PT Asuransi BRI Life (BRI Life)\noperating in the life insurance industry. Then PT BRI Asuransi Indonesia\n(BRI Insurance) operating in general insurance, digital bank PT Bank\nRaya Indonesia Tbk (AGRO), BRI Finance operating in the financing\nindustry.<\/p>\n
Then PT BRI Danareksa Sekuritas (BRIDS) operating in the capital\nmarket and investment, investment manager PT BRI Management Investasi\n(BRI-MI), venture capital BRI Ventures (BVI), and BRI Global Financial\nServices Co.\u00a0Ltd operating in the remittance and financing industry.<\/p>\n
\u201cBRI Bank\u2019s new growth engine is assessed as prospective, with the\nbullion bank and consumer segment as main catalysts, while subsidiary\nsynergies become a key factor in maintaining sustainable and diversified\ngrowth,\u201d added Amin.<\/p>\n
The ability to generate profits not only from MSME financing\ncertainly adds value to BBRI\u2019s business fundamentals in the eyes of\ninvestors. Moreover, recently the bank led by Hery Gunardi decided to\ndistribute dividends of 92% from net profit earnings.<\/p>", "url": "https:\/\/jawawa.id\/newsitem\/posting-profits-in-the-tens-of-trillions-this-is-bri-groups-new-business-engine-1776649846", "image": "" }, "sponsor": "Okusi Associates", "sponsor_url": "https:\/\/okusiassociates.com" }