Annual Report

PT BPR Universal regularly publishes its Annual Report, which presents the Company’s annual performance and key developments. The Annual Report can be downloaded through the link below :


Annual Report 2025	Access Document Here
Annual Report 2024	Access Document Here
Annual Report 2023	Access Document Here

Published Financial Statements

PT BPR Universal regularly publishes its Quarterly Published Financial Statements as a form of transparency, accountability, and compliance with the regulations of the Financial Services Authority (Otoritas Jasa Keuangan – OJK).

These statements present information on the Company’s financial condition for the most recent three-month period and are prepared in accordance with the applicable financial accounting standards for Rural Banks (Bank Perekonomian Rakyat – BPR) and the BPR Accounting Guidelines.

Through this publication, PT BPR Universal is committed to providing financial information to the public in an open, accurate, and timely manner. The published financial statements can be downloaded through the link below.


Year 2025
March 2025 Quarterly Published Financial Statements	Access Document Here
June 2025 Quarterly Published Financial Statements	Access Document Here
September 2025 Quarterly Published Financial Statements	Access Document Here
December 2025 Quarterly Published Financial Statements	Access Document Here
Year 2024
March 2024 Quarterly Published Financial Statements	Access Document Here
June 2024 Quarterly Published Financial Statements	Access Document Here
September 2024 Quarterly Published Financial Statements	Access Document Here
December 2024 Quarterly Published Financial Statements	Access Document Here
Year 2023
March 2023 Quarterly Published Financial Statements	Access Document Here
June 2023 Quarterly Published Financial Statements	Access Document Here
September 2023 Quarterly Published Financial Statements	Access Document Here
December 2023 Quarterly Published Financial Statements	Access Document Here

Customer Complaint Publication Report

In compliance with SEOJK No.17/SEOJK.07/2018 concerning Guidelines for the Implementation of Consumer Complaint Services in the Financial Services Sector, PT BPR Universal publishes complaints received by PT BPR Universal in the table below:


Customer Complaint Report for the First Half of 2025	Access Document Here
Customer Complaint Report for the Second Half of 2025	Access Document Here
Customer Complaint Report for the First Half of 2024	Access Document Here
Customer Complaint Report for the Second Semester of 2024	Access Document Here
Customer Complaint Report for the First Quarter of 2023	Access Document Here
Customer Complaint Report for the Second Quarter of 2023	Access Document Here
Customer Complaint Report for the Third Quarter of 2023	Access Document Here
Customer Complaint Report for the Fourth Quarter of 2023	Access Document Here

Management

Board of Commissioners

Board of Directors