BRI CEO: Banking is a Funding Game
BRI CEO: Banking is a Funding Game
Jakarta, CNBC Indonesia - PT Bank Rakyat Indonesia (Persero) Tbk. (BBRI) is striving to improve its funding structure to make it stronger. BRI’s Director General, Hery Gunardi, said that the bank’s business essentially starts with raising funds.
“So, banking is a funding game. Therefore, what we want to build at BRI is how we can build a strong funding franchise. Essentially, we want to improve our funding structure,” said Hery during a press conference on the 2025 financial performance, Thursday (February 26, 2026).
This is being done by boosting the composition of low-cost funds (CASA), which was already done last year. Hery said that the CASA portion, which was 66.6% of total deposits in 2024, increased to around 71% last year.
To continue the growth of CASA, it is necessary to increase the growth of savings and current accounts, driven by banking transactions. Therefore, Hery said that his company wants to encourage BRI’s transaction services, such as BRImo, QRIS, EDC, and Qlola, including the BRIlink agent network.
In addition, Hery also wants to encourage volume and transactions at BRI. According to him, the current transaction trend at BRI is growing positively, bringing BRI closer to its top competitors.
“So, we really want to be a leader in low-cost funding or the CASA ratio,” Hery concluded.
He added that the number of active users on BRI’s retail super app, BRImo, is important in growing CASA. In addition, the EDC machines that are actively used for BRI card transactions and other card transactions also play a role.
Furthermore, Hery said that BRI continues to update its super app for corporations, Qlola. Hery said that this super app should be on par with the corporate super apps of other banks.
With this, it is hoped that corporate customers can carry out transactions such as cash management, trading, and foreign exchange, which will ultimately increase CASA in the form of current accounts for BRI.
“So, we expect our growth to remain solid. We hope it will be better than last year,” Hery said. (ayh/ayh)