BRI's CASA Engine Heats Up! QRIS, BRImo, and BRILink Drive Liquidity
Jakarta, CNBC Indonesia — PT Bank Rakyat Indonesia (Persero) Tbk has demonstrated that the growth in third-party funds (DPK), particularly low-cost funds (CASA), stems from integrated business engines reaching down to the grassroots level.
President Director Hery Gunardi emphasised that amid challenging economic dynamics, BRI has maintained healthy growth through disciplined and prudent transformation.
As of the end of March 2026, BRI’s DPK reached Rp1,555 trillion, marking a 9.4% year-on-year (yoy) increase. Meanwhile, CASA, as the main funding component, surged 13.2% yoy to Rp1,058.6 trillion.
The strong growth in low-cost funds has directly impacted the efficiency of the cost of funds (CoF), which fell significantly from 3% to 2.3% in the first quarter of 2026.
Director of Network & Retail Funding Aquarius Rudiantoro explained that digital channels have become one of the main drivers of low-cost fund accumulation.
The number of BRImo super app users has reached 47.8 million, up 18.6%, with transaction volumes exceeding Rp2,042.2 trillion, a 29.4% yoy rise. On the other hand, QRIS-based transactions also jumped 76%, with transaction volumes reaching thousands of trillions of rupiah.
Additionally, by the first quarter of 2026, the number of BRILink agents has surpassed 1.18 million agents spread across more than 66,000 villages, covering about 80% of Indonesia’s territory.
From this network, transaction volumes reached Rp420 trillion, with an average daily CASA balance for agents around Rp30 trillion.
On the other hand, the strengthening of CASA is also supported by an ecosystem-based approach for MSMEs. Through the LinkUMKM platform, BRI has reached more than 15.5 million business actors, supported by the Desa BRILiaN programme, which has nurtured around 5,000 villages, as well as Klasterku Hidupku with more than 43,000 business groups.
This approach not only drives credit disbursement but also binds the cash flows of business actors to remain within the BRI ecosystem.
BRI has also strengthened its ultra-micro foundation through the UMi holding, which has reached more than 34.2 million customers, with a total of 166.3 million savings accounts. From this ecosystem, around 1.2 million debtors have successfully graduated to higher levels.
In addition, product innovations such as bullion and gold savings have enriched the ecosystem, with total gold ownership reaching 22 tonnes in the ultra-micro segment.
The combination of digitalisation, extensive distribution, and ecosystem integration not only strengthens the funding structure but also drives overall financial performance.
BRI’s net interest income (NII) grew 11.9% yoy to Rp40.15 trillion, in line with cost of funds efficiency. Profitability ratios also improved, with return on assets (ROA) rising to 2.8% and return on equity (ROE) reaching 18.4%.
With this foundation, BRI’s net profit was recorded at Rp15.5 trillion, up 13.7% yoy.