BRI Group Synergy Drives Consolidated Profit Growth: Subsidiaries Become Pillars ...
Jakarta – PT Bank Rakyat Indonesia (Persero) Tbk (BRI) continues to deliver impressive performance through to the end of 2025. Behind the solid figures, there is strong synergy among entities under the BRI Group. The subsidiaries are no longer merely add-ons, but key pillars supporting profitability and strengthening the group’s overall business fundamentals.
Aquarius Rudianto, Director of Network and Retail Funding at BRI, revealed that by Q4 2025, total assets of BRI’s subsidiaries rose by 23.3% year-on-year (YoY), reaching Rp 267 trillion. This growth is more than a number; it reflects the effectiveness of the strategies implemented to optimise each entity’s potential. In terms of profitability, the net profit of the BRI subsidiaries also rose significantly, by 16.1% YoY, to Rp 10.38 trillion.
This achievement, according to Aquarius, is the fruit of the synergy forged among BRI Group’s subsidiaries. The subsidiaries’ profit contribution accounted for 18.2% of total consolidated net income, while their asset contribution represented 12.51% of the group’s consolidated assets. The statement was made by Aquarius at the press conference on the Q4 2025 financial performance held at the BRI Head Office some time ago.
“As part of the Transformasi BRIVolution Reignite, BRI continues to seek new growth sources by strengthening the subsidiaries within the BRI Group. The positive contribution from these subsidiaries shows that cross-unit integration and collaboration are becoming more solid and adding significant value to the growth of the BRI Group,” Aquarius said in a written statement released on Friday, 6 March 2026.
Currently, BRI has 10 subsidiaries operating across various financial services sectors. The ten subsidiaries are PT Pegadaian, PT Permodalan Nasional Madani (PNM), BRI Life, BRI Insurance, Bank Raya Indonesia, BRI Finance, BRI Danareksa Sekuritas, BRI Manajemen Investasi, BRI Ventures, and BRI Global Financial Services. Each entity plays a strategic role in strengthening BRI’s competitiveness while expanding service reach to all segments of society.
BRIVolution Reignite Transformation: The Key Pillar of BRI’s Growth
BRI’s success in delivering solid performance is inseparable from ongoing business transformation through the ‘BRIVolution Reignite’ programme. This programme rests on two main pillars: Transform the Funding Franchise and Revamp Existing Core and Build New Core. This transformation responds to the changing dynamics of the financial services landscape, which is increasingly dynamic and competitive.
In building a new growth engine, BRI is driving business growth through increasing consumer segment penetration, developing the gold ecosystem, and strengthening products and optimizing value chains in the Commercial and Corporate segments. The BRI Group is optimising the national gold ecosystem through Pegadaian with the implementation of bullion services and the launch of the Tring app, which integrates a variety of services from gold savings, instalments, collateral loans, to digital payments within a single platform. This initiative not only expands the fee-based income base but also deepens financial inclusion across all layers of society.
Meanwhile, in the Corporate and Commercial segments, BRI’s strategy is reinforced through an end-to-end ecosystem approach, strengthening flagship sectors, acquiring quality CASA (Current Account Savings Account), and optimising the value chain. This approach enables BRI to provide comprehensive and integrated solutions for corporate and commercial clients, ranging from financing, cash management to trade finance services.
Strategic Role of Subsidiaries within the BRI Ecosystem
Each BRI subsidiary plays a strategic role in the BRI Group ecosystem. PT Pegadaian, for example, plays a key role in providing affordable financial services for low-income communities and micro, small and medium-sized enterprises (MSMEs). PNM, on the other hand, focuses on empowering micro and small businesses through financing programmes and mentoring. BRI Life and BRI Insurance provide comprehensive protection services for BRI customers, while Bank Raya Indonesia focuses on developing innovative digital banking services.
BRI Finance and BRI Danareksa Sekuritas complete BRI’s service portfolio by offering more complex financing and investment solutions for corporate and institutional clients. BRI Manajemen Investasi focuses on asset and investment management, while BRI Ventures invests in high-growth potential startups. Finally, BRI Global Financial Services facilitates international financial transactions for BRI’s customers.
BRI’s Commitment to Creating Sustainable Value
With deeper integration across all lines of business and purposeful diversification, the BRI Group increasingly asserts its commitment to creating sustainable value for all stakeholders. This encompasses not only enhanced profitability but also positive contributions to the productive sector and people’s economic growth. BRI recognises that the company’s long-term success depends on people’s welfare and environmental sustainability.
BRI continues to strive to be a trusted partner for the public and government in promoting inclusive and sustainable economic development. Through various CSR (Corporate Social Responsibility) programmes and social initiatives, BRI contributes to improving quality of life, environmental preservation, and development of strategic sectors.
In closing, it can be concluded that BRI’s solid performance through Q4 2025 is the result of strong synergies across entities under the BRI Group.