Committed to 'Emas-ing Indonesia', PT Pegadaian posts stellar performance at the start of 2026

Jakarta (ANTARA) – Through an adaptive business strategy and aggressive expansion of the gold ecosystem, PT Pegadaian achieved positive results in the period ending 30 April 2026, recording a net profit of Rp4.38 trillion, up 87.2 percent from Rp2.34 trillion in the same period of 2025.

This momentum is reflected in total assets, which stood at Rp183.8 trillion, up 56 percent from last year’s Rp117.8 trillion. The asset growth was underpinned by outstanding loan gross (OSL) rising to Rp153.6 trillion, up 58.8 percent from last year’s Rp96.7 trillion.

This impressive achievement was accompanied by healthier and more prudent financing quality, evidenced by a significant reduction in the non-performing loan (NPL) ratio from 0.82 percent on 30 April 2025 to 0.51 percent in the same period in 2026.

Thanks to solid portfolio management, Pegadaian recorded a sustained improvement in profitability ratios. Return on Assets (ROA) rose to 7.49 percent and Return on Equity (ROE) reached 29.72 percent.

Additionally, management succeeded in optimising operating costs. The ratio of Operating Expenses to Operating Revenue (BOPO) was driven down to 59.71 percent in this period, the lowest in several years.

Pegadaian President Director Damar Latri Setiawan expressed gratitude for the achievement, noting that the milestone comes as Pegadaian marks its 125th anniversary.

‘The journey to maintain consistent growth for more than one and a quarter centuries is not easy without the loyalty and trust of customers. We extend our heartfelt thanks to the Indonesian people who continue to make Pegadaian their primary financial partner. This achievement is also the fruit of the dedication and hard work of all Pegadaian personnel,’ said Damar.

Entering this new era, Pegadaian is committed to continuing transformation by fusing digital aspects with real-world needs. ‘The introduction of new offerings such as Bulion services and the convenience of digital through the Tring! app is expected to become a new locomotive that makes cross-generational investments easier and safer with Pegadaian,’ he added.

Pegadaian’s commitment to leading the investment market is also materialised through a comprehensive expansion of the gold ecosystem. Pegadaian officially marked itself as the pioneer and first company in Indonesia to obtain operational permission to undertake bulion (Gold Bank) activities from the Financial Services Authority (OJK), via Letter of Approval for the Conduct of Bulion Activities S-325/PL.02/2024.

Through this legality, Pegadaian now offers the most complete Bulion Services portfolio in the country, including Gold Deposits, Gold Working Capital Loans, Corporate Gold Custody Services, and Gold Trading.

Pegadaian is considered to have the most capable infrastructure to run the Gold Bank system. In addition to 90 percent of pawnbroking collateral being gold, the company also has a network of gold vault storage facilities with the largest international security standards in Indonesia.

‘Gold has proven to be the safest and most sought-after asset,’ he concluded. ‘With the integrated Bulion service, we are optimistic about making a much greater contribution to the national economy and realising the long-term mission to MengEMASkan Indonesia.’