BRI CEO Reveals Gold as a New Growth Engine

PT Bank Rakyat Indonesia (Persero) Tbk (BBRI) is now positioning its gold business as one of the new growth engines amid the transformation of the company’s business model.

BRI’s Director, Hery Gunardi, said that in addition to strengthening its core micro business and maintaining asset quality, the company is now expanding into the gold sector through a digital approach and strengthening its commercial segments based on value chains.

“BRI is strengthening its gold business through digital channels and commercial segments through value chains, with risk management support,” said Hery during a press conference on the company’s 2025 financial performance, Thursday (26/2/2026).

This move is part of BRI’s two pillars of transformation, namely revitalising existing businesses and developing new sources of growth, which are strengthened by six enablers, including optimising retail funding and strengthening digital channels.

BRI is also accelerating the strengthening of the national gold ecosystem together with its subsidiaries, including Pegadaian.

BRI’s Director of Micro Business, Akhmad Purwakajaya, revealed that through the Ultra Micro Holding (UMi), the company now reaches more than 34.5 million active debtors and 187 million savings accounts.

Pegadaian’s digital applications, such as the gold savings feature, have helped drive growth in gold savings to 17.1 tonnes.

According to management, the ecosystem-based approach from upstream to downstream enables BRI to not only provide financing but also expand the penetration of gold-based investment products for both retail and corporate/commercial segments.

To support this expansion, BRI is implementing a hybrid regional business cluster approach to improve service efficiency and strengthen collaboration with subsidiaries.

From a risk management perspective, BRI is prioritising selective growth with early warning indicator systems and more granular policies to maintain asset quality.

In addition to gold, BRI is also driving growth in the consumer segment, such as payroll loans, strengthening mortgage loans, accelerating auto loans, and wealth management businesses under the BRI Group.