PT Bank Rakyat Indonesia (Persero) Tbk (OTCMKTS:BKRKF), commonly known as Bank BRI, is one of Indonesia’s oldest and largest commercial banks. Established in 1895 in Purwokerto, Central Java, it began as a regional credit institution serving rural communities. Over more than a century of operations, it has evolved into a state‐owned banking group with a primary focus on microfinance, small and medium enterprises (SMEs), commercial banking and treasury services.
The bank’s core business activities center on providing financing solutions to micro and small business owners, a segment that has historically been underserved by larger financial institutions. Its product portfolio includes microloans, working capital loans for SMEs, consumer lending, corporate financing and trade finance. In addition to lending, Bank BRI offers a wide range of deposit accounts, cash management services, foreign exchange and remittance facilities designed to support both individual and corporate clients.
Bank BRI has invested heavily in digital banking to extend its reach beyond traditional branch networks. Its flagship mobile application and internet banking platform enable seamless payments, fund transfers, e-wallet top-ups and investments in government securities. Through partnerships with fintech firms and the deployment of biometric authentication at over 10,000 branchless banking agents, the bank continues to deepen financial inclusion in urban centers and remote rural areas alike.
With majority ownership held by the Indonesian government, PT Bank Rakyat Indonesia operates a nationwide network of branches, micro-finance units and digital channels across all 34 provinces. The bank is governed by a board of commissioners and a management team led by a president director, supported by executives overseeing retail, corporate, treasury and technology divisions. By balancing its heritage in community banking with ongoing innovation in digital services, Bank BRI remains a cornerstone institution in Indonesia’s financial landscape.
AI Generated. May Contain Errors.