Executive Summary

Key insights and market outlook

PT Bank Rakyat Indonesia (Persero) Tbk (BBRI) celebrated its 130th anniversary with a comprehensive rebranding effort, introducing a new logo and expanding its vision to become a universal bank. The transformation includes expanded service offerings and digital enhancements while maintaining its core focus on microfinance and UMKM segments. BRI's 1.2 million BRILink agents now cover over 80% of Indonesian villages ²

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Full Analysis

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Deep Dive Analysis

BRI Transforms into Universal Bank as it Celebrates 130 Years

Comprehensive Rebranding Effort

PT Bank Rakyat Indonesia (Persero) Tbk (BBRI) marked its 130th anniversary by unveiling a comprehensive rebranding strategy, signaling a significant shift in its business approach ³

. The new corporate identity includes a refreshed logo featuring Nusantara Blue as the primary color, enriched with secondary blue palettes to reflect progressive values and customer-centricity ³⁴.

Business Transformation and Expansion

The rebranding is part of BRI's broader transformation into a universal bank, aiming to serve all customer segments including urban, corporate, and consumer markets while maintaining its core focus on UMKM ⁴

. This expansion is supported by: 1. Digital infrastructure: Over 687,000 E-Channel units including ATMs and merchant terminals 2. Physical presence: 7,405 branch units across Indonesia 3. Agent network: 1.2 million BRILink agents covering 66,649 villages (over 80% of Indonesian villages) 4. Digital transactions: 99.4% of total transactions are now digital ²

Financial Performance

BRI's transformation is backed by strong financial performance: - Net profit: Rp41.23 trillion in Q3 2025, driven by 3% growth in interest income and 6.26% credit growth - Assets: Rp2,123.45 trillion, up 8.23% YoY - Third-party funds: Rp1,474.78 trillion, up 8.24% YoY - CASA ratio: 67.65%, showing strong growth in low-cost funding ³

Historical Context and Future Prospects

BRI's stock has been listed on the Indonesia Stock Exchange for 22 years since its IPO in 2003, showing a 48-fold increase in stock price when adjusted for corporate actions ¹