PT Bank Rakyat Indonesia (Persero) Tbk is a state‐owned commercial bank headquartered in Jakarta, Indonesia. As one of the country’s largest lenders by assets, the company primarily focuses on serving micro, small and medium enterprises (MSMEs) and retail customers. Its core mission revolves around supporting financial inclusion through a range of lending and deposit products designed to meet the needs of rural and urban communities alike.
The bank’s product portfolio includes microloans, agricultural financing, consumer loans and small business credit, alongside traditional corporate banking services. In addition to lending, BRI offers transaction banking, cash management, trade finance and treasury services. The institution has invested significantly in digital channels, providing mobile and internet banking platforms to enhance customer access and operational efficiency.
BRI maintains an extensive domestic network of branches, rural service units and micro offices that reach into underserved regions across Indonesia. To support international clients and cross‐border transactions, the bank operates representative offices and branches in Singapore and Hong Kong. Its widespread footprint reinforces BRI’s role as a key intermediary for both local entrepreneurs and larger corporate clients.
Founded in 1895, Bank Rakyat Indonesia is one of the oldest financial institutions in the nation. It remains majority‐owned by the Indonesian government, with a portion of its shares listed on the Indonesian Stock Exchange and an American Depositary Receipt program trading over the counter in the United States. Over more than a century of operation, BRI has evolved from a rural credit provider into a diversified commercial bank, maintaining a strategic focus on financial inclusion and community development.
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