Executive Summary

Key insights and market outlook

Major Indonesian banks including Bank Mandiri (BMRI), Bank BRI (BBRI), Bank BJB, and Bank Syariah Indonesia (BRIS) are implementing limited operational services and digital enhancements during the 2025/2026 New Year holidays. Banks are maintaining strategic branch operations and strengthening digital channels to accommodate increased transaction volumes while ensuring customer convenience and security.

Full Analysis

02

Deep Dive Analysis

Indonesian Banks Enhance Services for Year-End Holidays

Strategic Operational Adjustments

Major Indonesian banks are implementing comprehensive measures to maintain service continuity during the 2025/2026 year-end holidays. Bank Mandiri (BMRI) will operate selected branches during the holiday period ¹

, while Bank BRI (BBRI) is optimizing its digital services through BRImo and BRILink agents ⁴.

Digital Channel Enhancements

Banks are strengthening their digital infrastructure. For instance, Bank BRI (BBRI) is leveraging its 1.2 million BRILink agents and BRImo super app to facilitate transactions ⁴

. Similarly, Bank Syariah Indonesia (BRIS) has prepared 36 strategic branches for limited operations and ensured robust cash supplies across its ATM network ⁵.

Cash Management and Security

To address potential cash shortages, Bank BJB has projected a Rp8.3 trillion cash requirement for December 2025, ensuring adequate liquidity across its branch network ²

. Bank Syariah Indonesia (BRIS) has also focused on maintaining sufficient cash reserves at both branches and ATMs ⁵.

Customer Safety Measures

Banks are emphasizing customer safety through various measures. Bank BJB is warning customers about potential fraud schemes and advising against using public Wi-Fi for banking transactions ²

. Bank BRI (BBRI) is providing additional support through its virtual assistant 'Sabrina' for customer inquiries and support ⁴.

Operational Highlights

Bank Mandiri (BMRI): Selected branches operating during holidays ¹
Source 1
https://finansial.kontan.co.id/news/libur-natal-dan-tahun-baru-2026-simak-jadwal-operasional-bank-mandiri
Bank BRI (BBRI): 159 special Nataru service branches and 67 Weekend Banking locations ⁴
Source 4
https://finansial.kontan.co.id/news/bri-tetap-buka-layanan-saat-nataru-cek-jadwal-kantor-dan-kanal-digitalnya
Bank BJB: Enhanced cash supply and weekend banking services ²
Source 2
https://finansial.bisnis.com/read/20251224/90/1939450/jelang-nataru-bank-bjb-pastikan-layanan-perbankan-tetap-berjalan
Bank Syariah Indonesia (BRIS): 36 branches operating on limited hours during holidays ⁵
Source 5
https://finance.detik.com/berita-ekonomi-bisnis/d-8276025/hadapi-lonjakan-nataru-bri-optimalkan-1-2-juta-brilink-agen-dan-brimo