Pegadaian Records 42.6% Surge, Reaching Rp 8.34 Trillion in Profit and Solid Performance in 2025

Jakarta, CNBC Indonesia - PT Pegadaian recorded solid performance throughout 2025, as reflected in its net profit of Rp 8.34 trillion, a 42.6% increase compared to 2024, which was Rp 5.85 trillion. President Director of PT Pegadaian, Damar Latri Setiawan, said that this achievement was supported by the company’s asset realization of Rp 151.7 trillion, which grew 47.8% compared to 2024, which was Rp 102.6 trillion.

This was also supported by the achievement of Gross Outstanding Loan (OSL) of Rp 126 trillion, which increased 47.5% from 2024, which was Rp 85.4 trillion. In addition, there was a significant decrease in Non-Performing Loan (NPL) from 0.63% in 2024 to 0.38% in 2025. This achievement shows that the quality of Pegadaian’s financing is increasing and business management is also getting healthier.

From the Gold Bank service side, Pegadaian’s performance until December 31, 2025 also remained solid. It was recorded that the total transactions and management of Pegadaian’s Gold Bank reached 33.7 tons, consisting of Gold Savings transactions reaching 17.1 tons, Gold Deposit transactions of 2.18 tons, Gold Installment transactions reaching 10.3 tons, and Corporate Gold Deposits and Gold Working Capital Loans that continue to grow.

“We would like to express our appreciation and thank all stakeholders, especially customers, for their trust in Pegadaian’s products and services. This will certainly be a trigger for all of Pegadaian’s people to work harder and contribute more optimally, in order to provide the best service to customers and the community,” said Damar in a written statement, Thursday (February 26, 2026).

Furthermore, Damar emphasized that Pegadaian continues to be committed to supporting the growth of the people’s economy through inclusive pawn products, easy microloan services, and reliable Gold Bank services. With pawn product services, people can meet their fast funding needs without having to lose assets.

He continued, with microloan services, MSME actors get access to working capital to increase business capacity and business development. In addition, with the Gold Bank service, people are increasingly facilitated in planning, managing and optimizing their gold investment portfolio, both physically and digitally.

“Throughout 2025, the management of the gold ecosystem at Pegadaian reached 136 tons, which includes the gold collateral portfolio of the Pawn product and the portfolio of Pegadaian’s Gold Bank services. This proves that people are increasingly aware of investing in gold, and understand and are wise in optimizing the gold assets they have. Pegadaian is here to welcome the trust of the community with various products and services that suit their needs,” said Damar.

Meanwhile, Director of Finance and Strategic Planning of PT Pegadaian, Ferdian Timur Satyagraha, also revealed about Pegadaian’s hopes and challenges in 2026. He stated that stable economic conditions and a conducive global geopolitical situation will be a determining factor in achieving performance targets in 2026.

However, Ferdian remains optimistic that with the implementation of an adaptive corporate strategy, strengthening solution-based services, compliance with regulations and sustainable corporate culture transformation, Pegadaian will be able to answer every challenge to continue to realize growing performance, a developing business, healthy governance and safe operational services.

In addition, Ferdian also added that Pegadaian’s performance in the future will be driven by a strategy to increase market share and optimize digital services through the TRING! application. Ultimately, the presence of the TRING! application is expected to perfect the ecosystem of Pegadaian’s Gold Bank services by providing convenience in interacting, speed in transacting and comfort in investing in gold, anytime and anywhere, just in the palm of your hand.

“Through TRING!, all Pegadaian customers, from baby boomers to Gen Z, both conventional and sharia Pegadaian customers, can access all Pegadaian products in real-time in one application,” said Ferdian.

On the other hand, in order to welcome the one-year journey of the Gold Bank service which falls on February 26, Pegadaian is increasingly optimistic with various product and service developments. This is in line with the launch of the DSN-MUI Fatwa No. 166 of 2026 concerning Gold Bullion Business Activities Based on Sharia Principles on February 13, 2026.

The DSN-MUI Fatwa is intended as a normative basis as well as a strategic operational guide for the bullion industry in carrying out business activities in a transparent and accountable manner in accordance with sharia principles, and aims to encourage the creation of a stronger, more inclusive and sustainable sharia gold ecosystem in Indonesia.

It is hoped that the presence of the fatwa will further strengthen public confidence in Pegadaian’s Gold Bank services in the future, where currently the products and services that meet sharia provisions are Gold Installments, Gold Savings and Rahn Emas.

As an effort to realize the vision of being The Leader in the Gold Ecosystem and Digital Growth Inclusion, Pegadaian continues to focus on improving the quality of services and the reliability of the system, in order to encourage healthy performance improvements, expand access to safe digital services, and support the government’s Asta Cita program in the aspect of national economic growth, in line with the shared goal of MengEMASkan Indonesia.