BRI Transaction Banking Surges, Driving Strengthening of Low-Cost Funds

BRI’s transaction banking performance remained strong through December 2025, supported by higher digital transactions in the retail segment, business customers, and the payments ecosystem. This growth reinforced the group’s funding structure through increased current accounts and savings accounts (CASA) funding.

BRI’s Chief Executive Officer Hery Gunardi said the achievement is part of the BRIVolution Reignite transformation, focusing on strengthening low-cost funding.

As part of BRIVolution Reignite, BRI is transforming its Funding Franchise to make funding structure more efficient, stable, and low-cost.

According to Hery, BRI is pursuing two main strategies to strengthen the funding structure: increasing the share of low-cost funds and strengthening transaction banking capabilities. Low-cost funding is being enhanced via digital channels like BRImo, BRILink, and the QRIS payments system. In retail, the group is also developing a digital payments ecosystem via the BRImo SuperApp.

By December 2025, BRImo users reached 45.9 million, up 18.9% year-on-year. Transaction value on the platform rose 26.4% YoY to Rp7,076.9 trillion.

Meanwhile, in the mid-market, commercial, and corporate segments, BRI strengthened transaction banking services via cash management platforms and end-to-end digital transactions. The Qlola platform recorded significant growth with 113 thousand active users, up 48.1% YoY to end-2025. In line with this growth, Qlola transaction volumes rose 36.2% YoY to Rp13,456 trillion.

BRI also expanded merchant acceptance to drive higher transaction volumes. Merchant sales value rose 48.1% YoY to Rp223.2 trillion. QRIS transactions on BRI rose even faster, with sales volume up 100% YoY to Rp85.6 trillion. The number of QRIS transactions on BRI jumped 127.5% YoY to more than 782.8 billion transactions.

Hery added that the uptick in digital transactions also strengthened giro and savings funding bases, making BRI’s funding structure more efficient. By end-2025, third-party funds (DPK) rose 7.4% YoY to Rp1,467 trillion.

The group’s CASA ratio remained high at 70.6%, while the cost of funds for DPK improved to 2.9%, compared with 3.1% at end-2024.

‘This achievement shows that the BRIVolution Reignite transformation not only strengthens the low-cost funding base but also expands the inclusive digital payments ecosystem for all segments of society,’ Hery said.