By September 2025, Pegadaian’s Gold Savings (Tabungan Emas) Bullion services, an integral part of BRI’s Ultra Mikro Holding, recorded a substantial 13.7 tons of gold. This figure marks a significant 66.9 percent increase compared to the same period in the previous year, highlighting robust growth in this vital sector.
This impressive growth was further bolstered by an increase in active customers, reaching 3.8 million individuals. This clearly underscores the public’s escalating interest in secure and accessible investment instruments, particularly gold, as a reliable asset.
These positive outcomes in expanding financial and investment access for underserved communities are a direct result of the strategic collaboration between PT Bank Rakyat Indonesia (Persero) Tbk (BRI), PT Pegadaian, and PNM, all integral components of the Ultra Mikro (UMi) Holding. This partnership is crucial for driving financial inclusion across various segments of society.
During the BRI Q3 2025 Financial Performance Press Conference at BRI Headquarters in Jakarta on Thursday (30/10), BRI President Director Hery Gunardi emphasized that Pegadaian’s bullion services and the digital application Tring have significantly fortified the BRI Group’s standing within the national gold ecosystem. This strategic positioning reinforces their market leadership.
The remarkable expansion of these gold savings demonstrates a growing public awareness of the crucial importance of secure, inclusive, and easily accessible investment opportunities. It reflects a shift towards more diversified and stable financial planning among the populace.
As a core part of its service diversification strategy, the BRI Group is committed to continuously expanding its presence and growth within the national gold ecosystem, commonly referred to as Bullion Services. This initiative is pivotal for future expansion.
“These services are meticulously designed to cater to both retail and corporate clients,” Hery Gunardi elaborated in a written statement. “They encompass gold-based working capital financing, gold savings and deposit products, gold trading, and gold safekeeping services. This initiative powerfully reflects the BRI Group’s unwavering commitment to delivering innovative and sustainable financial solutions.”
In a strategic move, PT Pegadaian, in collaboration with BRI, has rolled out two key initiatives. The first is the launch of the Tring! application, a comprehensive super app that seamlessly integrates digital gold-based services. This innovative app offers features such as gold savings, gold pawning, gold installments, gold printing, and various other financial services including bill payments and e-wallet top-ups, all aimed at providing unparalleled ease and convenience for customers accessing Pegadaian’s extensive range of products and services.
The second initiative involves the integration of Pegadaian’s gold services directly into the BRImo application. This integration provides access to gold savings products, gold installments, gold printing, and gold transfers. Hery stated, “We are not merely focused on microfinancing; we are determined to expand and thrive within the national gold ecosystem.”
Furthermore, BRI’s performance through Q3 2025 consistently demonstrates a positive and sustainable growth trend. On the funding side, BRI’s Third-Party Funds (DPK) exhibited a solid increase, significantly driven by the sustained strengthening of low-cost funds (CASA). The total third-party funds grew by 8.2 percent year-on-year, reaching an impressive Rp1,474.8 trillion.
Concurrently, on the intermediation front, BRI’s loan disbursement expanded by 6.3 percent year-on-year, reaching Rp1,438.1 trillion. These fundamental improvements in BRI’s performance positively impacted the company’s profitability. Consequently, BRI successfully recorded a net profit of Rp41.2 trillion by the end of Q3 2025, underscoring its financial resilience.
Hery affirmed that BRI’s robust performance not only signifies healthy growth but also genuinely reflects its unwavering commitment to supporting productive sectors and the people’s economy. This demonstrates a balance between commercial success and social responsibility.
He concluded, “BRI will continue to strengthen its business fundamentals by maintaining asset quality, enhancing funding efficiency, and deepening the structured and integrated transformation being executed through BRIVolution Reignite.”
Summary
Pegadaian’s Gold Savings (Tabungan Emas) Bullion services, an integral part of BRI’s Ultra Mikro Holding, reached a substantial 13.7 tons of gold by September 2025. This figure represents a significant 66.9 percent increase year-on-year and is supported by 3.8 million active customers, underscoring the public’s growing interest in secure investment instruments like gold. This impressive growth results from the strategic collaboration between BRI, Pegadaian, and PNM, aiming to expand financial inclusion.
The BRI Group is committed to strengthening its position within the national gold ecosystem through diverse bullion services for retail and corporate clients. Key initiatives include launching the Tring! super app for integrated digital gold services and integrating Pegadaian’s gold offerings directly into the BRImo application. Concurrently, BRI’s Q3 2025 financial performance showed robust growth, with Third-Party Funds increasing 8.2 percent to Rp1,474.8 trillion and loan disbursement rising 6.3 percent to Rp1,438.1 trillion, culminating in a net profit of Rp41.2 trillion.
