BRI's Gold Savings Surge Through Ultra Micro Holding Initiative

Significant Growth in Gold Holdings

PT Bank Rakyat Indonesia (BBRI) has reported a substantial increase in gold savings through its Ultra Micro Holding ecosystem, reaching 13.7 tons as of September 2025 ¹

. This represents a 66.9% annual growth compared to the previous year. The significant rise was accompanied by an increase in active customers to 3.8 million, demonstrating growing public interest in secure and accessible investment options ¹

Source 1

https://finansial.bisnis.com/read/20251120/90/1930348/holding-ultra-mikro-bri-serap-tabungan-emas-137-ton

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Digital Integration and Expansion Plans

BRI's gold savings growth has been supported by digital innovations such as the Tring application from Pegadaian, which offers various gold-related services including digital gold savings, gold pawning, and gold installment plans ³

. The integration of Pegadaian's gold services with BRI's BRImo application has further expanded access to gold investment products for retail customers. BRI plans to continue expanding its bullion services, including working capital financing based on gold ¹

Source 1

https://finansial.bisnis.com/read/20251120/90/1930348/holding-ultra-mikro-bri-serap-tabungan-emas-137-ton

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BSI Enters Gold Savings Market

In a related development, PT Bank Syariah Indonesia (BSI) has obtained regulatory approval to offer gold savings products, although these accounts currently do not generate returns for customers ²

. The unallocated gold savings will be used by BSI to provide gold financing to other customers, potentially creating future returns for savers.

Financial Performance Impact

BRI's financial performance for the first nine months of 2025 showed positive growth, with third-party funds increasing by 8.2% year-over-year to Rp1,474.8 trillion and credit disbursement growing by 6.3% to Rp1,438.1 trillion ³

. The bank reported net profit of Rp41.2 trillion, demonstrating strong overall financial performance.