BBRI Boss Reveals Gold Business Plans Amidst Pegadaian's Soaring Profits
BBRI is strengthening its gold ecosystem through synergy with the Ultra Micro Holding. Pegadaian’s profits reached IDR 8 trillion amid projections of rising global gold prices.
JAKARTA, TRENASIA.ID – State-owned banking issuer, PT Bank Rakyat Indonesia (Persero) Tbk (BBRI), has begun to position gold investment as one of its new growth engines. This aggressive strategy is being launched in the midst of the company’s business model transformation process to maintain fundamental sustainability.
The company’s President Director, Hery Gunardi, explained that in addition to strengthening its core micro business, the company is now expanding its agenda. “BRI is strengthening its gold business through digital and commercial segments through the value chain, with risk management support,” said Hery at a press conference on Thursday, February 26, 2026.
This aggressive move by the state-owned bank coincides with the fantastic record achievement of its subsidiary. PT Pegadaian has successfully recorded extraordinary positive performance throughout the 2025 fiscal year, thanks to high investment awareness from various levels of society.
- Giant Gold Distributor Ecosystem
The development of this precious metal commodity business focuses on the company’s role as a giant distributor in the market. Through ecosystem integration, this specialist bank is directly marketing a variety of flagship products from its subsidiary, PT Pegadaian Perusahaan Pembiayaan.
With control of 111,172,400 shares, or 99.99% of Pegadaian, the distribution of this instrument is running very smoothly. The company is massively offering the gold savings facility directly to customers through its reliable Mobile Banking digital application.
Director of Micro Business, Akhmad Purwakajaya, explained the effectiveness of integrating the Ultra Micro/Umi Holding service as the main marketing channel. Through this integrated financing infrastructure, the company has successfully distributed asset protection products to more than 34.5 million debtors and 187 million customer savings accounts.
- Pegadaian’s Fantastic Record Profits
The precious metal ecosystem strategy has proven successful in generating extraordinary results for PT Pegadaian throughout the last operational year. This financing company managed to record record net profit of IDR 8.34 trillion.
The achievement of trillions of rupiah in profit has successfully increased sharply by 42.6% compared to the previous realization. In the previous fiscal year, the company’s subsidiary only recorded a profit of IDR 5.85 trillion.
President Director of Pegadaian, Damar Latri Setiawan, expressed his appreciation for this spectacular achievement. “We would like to express our appreciation and thank all stakeholders, especially customers, for their trust in Pegadaian’s products and services,” said Damar in an official statement on Wednesday, February 25, 2026.
- Surge in Assets and Credit Quality
The spectacular profit increase was also driven by an increase in the company’s total assets. This financing company has successfully boosted its assets to IDR 151.7 trillion, or an increase of 47.8% from the previous position of IDR 102.6 trillion.
This brilliant growth momentum has directly triggered an increase in the company’s gross financing distribution in the national industrial market. The gross Outstanding Loan/OSL ratio has grown strongly by 47.5% to IDR 126 trillion compared to the previous year’s value of IDR 85.4 trillion.
High customer confidence has also had a positive impact on improving the company’s credit financing quality. The ratio of non-performing loans/NPL was successfully reduced to 0.38% from 0.63% thanks to excellent risk management.
- Gold Savings Services are Increasingly Popular
The precious metal protection instrument service, in the form of commodity savings, has played a vital role in contributing to record profits. The total transactions and assets under management through this flagship investment program have reached 33.7 tons.
The portion of this instrument is dominated by customer transactions in savings services, which have collected 17.1 tons. Precious metal deposit instruments recorded 2.18 tons, followed by community installment programs, which also recorded a volume of 10.3 tons.
Overall, this micro-financing entity has successfully managed the ecosystem of this valuable commodity. The portfolio of pawnshop products and banking services has successfully recorded an extraordinary volume, reaching 136 tons.
- Increased Investment Awareness and Future Challenges
Damar sees this fantastic achievement as clear evidence of increased investment awareness among the public. “This proves that people are increasingly aware of investing in gold, and understand and wisely optimize their assets,” he said enthusiastically.
The company’s strategic steps are in line with the bright prospects for precious metals globally. Global financial giant JP Morgan has officially projected that the price of gold will reach a fantastic level of US$6,300 per ounce in the 2026 operating year.
JP Morgan believes that the sentiment of high demand for safe-haven assets remains strong. “The purchase of reserves by global central banks and geopolitical uncertainty are the main catalysts for strengthening the price trend of precious metals,” they wrote in their research report published earlier this week.