Strengthening Bullion Bank Operations, BSI Optimistic About Boosting 2026 Performance

Jakarta – PT Bank Syariah Indonesia Tbk (BRIS) or BSI is committed to driving sustained performance growth in 2026. One of its key strategies involves strengthening its bullion bank operations.

This focus is justified given that BSI’s gold customer base has reached 640,000 customers. Among these, 530,000 are dedicated bullion bank product customers.

For gold-related products including gold instalments and gold pawning outside the dedicated bullion bank unit, the bank reported a 78.60 per cent year-on-year increase, with transaction volumes reaching Rp22.90 trillion. This comprised Rp12.89 trillion for gold instalments and Rp10.02 trillion for gold pawning.

“Alhamdulillah, our indicators show growth across assets, savings, financing, and new gold products, enabling profit to grow 8 per cent year-on-year,” said BSI Chief Executive Director Anggoro Eko Cahaya.

Anggoro noted that 2026 marks BSI’s fifth year of operation and its formal recognition as a State-Owned Enterprise (BUMN). To mark this milestone, BSI has adopted the theme “Empati Melayani Antusias Sepenuh Hati” (Empathy in Service, Enthusiastic Whole-heartedness), abbreviated as EMAS.

With its total gold customer base now exceeding 1 million customers, BSI is confident that performance this year will continue to grow substantially.

“We are also launching our proposition as Indonesia’s first gold bank. When viewed this way, it is abbreviated as EMAS. This spirit guides our BSI personnel to serve with empathy and whole-hearted enthusiasm. We are also ensuring that as a major Islamic bank, our service capabilities, product offerings, and IT infrastructure continue to improve, which represents an important foundation for us as both an Islamic bank and a bullion bank,” concluded Anggoro.

BSI is currently preparing various derivative products from its bullion bank business. The bank is seeking approval from the Financial Services Authority (OJK) to launch e-gold pawning and e-gold instalments for retail customers. Additionally, BSI is preparing wholesale gold savings products.

Currently, BSI holds three licences for core products out of the four core products outlined in OJK Regulation Number 17 regarding bullion banking: buy-sell, safekeeping, and deposit licences.