BRI Diversifies Business Through Consumer and Gold Banking Initiatives

Strategic Business Transformation

PT Bank Rakyat Indonesia (Persero) Tbk (BBRI) is implementing a comprehensive business diversification strategy as part of its 'BRIVolution Reignite' program. This initiative focuses on two main pillars: transforming funding business and strengthening core business sustainably. The bank is developing new portfolio opportunities that could become significant future revenue and profit growth drivers.

Consumer Segment Expansion

BRI is aggressively expanding its consumer segment through multiple strategic initiatives:

1. Payroll Customer Base Expansion: Focusing on increasing payroll accounts
2. Mortgage Business Growth: Expanding collaboration with tier-1 developers
3. Selective Refinancing Expansion: Careful portfolio management
4. Auto Loan Financing: Leveraging synergy with BRI Finance for joint financing
5. Wealth Management: Focusing on low-cost funds (CASA) and fee-based income growth

Gold Banking Services Development

The bank is also developing its bullion services through its subsidiary's newly launched super app called Tring. This digital platform allows customers to purchase gold more conveniently, representing another dimension of BRI's business diversification strategy.

Financial Performance Highlights

BRI's strategic initiatives have yielded positive results in Q3 2025:

• Third-Party Funds grew 8.2% YoY to Rp1,474.8 trillion
• Credit disbursement increased 6.3% YoY to Rp1,438.1 trillion
• Net profit reached Rp41.2 trillion by end of Q3 2025

The bank's management emphasized that the performance not only reflects healthy growth but also demonstrates commitment to the productive sector and the people's economy. BRI continues to strengthen its business fundamentals by maintaining asset quality, improving funding efficiency, and deepening its transformation through the BRIVolution Reignite program.