BRImo Users Grow 18.9%, Transactions Reach Rp7,076.9 Trillion

BRI posted a robust transaction banking performance through December 2025, supported by growth in digital transactions across retail, small business customers and its payments ecosystem. President Director Hery Gunardi said the bank’s BRIVolution Reignite transformation includes reforming the funding franchise to strengthen funding structure for efficiency, stability and cheaper funding, with two strategies: strengthening cheap funds and boosting capabilities in transaction banking. ‘BRI is accelerating CASA growth through digital channel optimization (BRImo, BRILink, QRIS) and higher penetration in business clusters; in retail, focus is on building the BRImo SuperApp and the payments ecosystem,’ Hery said in a written statement on 5 March 2026. Retail digital transaction activity is reflected in BRImo user growth and transaction value, which reached 45.9 million users by December 2025, up 18.9% year-on-year, with transaction value of Rp7,076.9 trillion, up 26.4% YoY. For the mid-market, commercial and corporate segments, BRI continues to strengthen its transaction banking services for cash management and end-to-end transactions via Qlola, with active Qlola users reaching 113,000 by December 2025, up 48.1% YoY as sales volume rose 36.2% YoY to Rp13,456 trillion. The group is also expanding merchant acceptance, boosting merchant sales volume by 48.1% YoY to Rp223.2 trillion. QRIS transaction volume rose by 100% YoY to Rp85.6 trillion, with the number of transactions expanding 127.5% YoY to more than 782.8 billion transactions. Hery added that BRI will continue to develop transaction banking capabilities via digital platform enhancements and improved business merchant services to sustain growth in cheap funds. ‘These achievements confirm that the BRIVolution Reignite transformation is not only strengthening cheap funding but also expanding an inclusive digital payments ecosystem for all segments of society,’ Hery said. The increase in digital channel transactions and the payments ecosystem strengthens the giro and savings base, keeping CASA high and improving funding costs. Third-party funds (DPK) rose 7.4% YoY to Rp1,467 trillion with a CASA ratio of 70.6%, and the cost of funds improved to 2.9% from 3.1% at end-2024.