Investor Presentaiton
"
ULTRA MICRO & MICRO ECOSYSTEM
Quantifying the opportunity and the network that is in place
Access to comprehensive Ultra
Micro & Micro Financing Products
Group Lending (PNM Mekaar):
IDR 39.2 Tn (36.6% YoY), 14.5 mn borrowers
(25.7% YoY)
Pawn Lending (Pegadaian):
IDR 53.2 Tn (9.8% YoY), 6.7 mn borrowers
(4.2% YoY)
Micro Loan:
a) BRI Micro Loan: IDR 456.5 Tn (9.9% YoY),
14.3 mn borrowers (5.3% YoY)
b) PNM Ulamm: IDR 5.4 Tn (-23.8% YoY), 157K
borrowers (-17.2% YoY)
c) Pegadaian (Non-Pawn Lending): IDR 7.9 Tn
(31.8% YoY), +345K borrowers (38.1% YoY)
BII
+36mn
(19.6% YoY)
UMi & Micro
Borrowers
4
+145mn
Micro
Deposit
Accounts
Wider Points
of Access
(BRI
•
•
•
Comprehensive Savings and
Beyond Banking Products
Micro Savings: IDR 351.1 Tn (-0.1% YoY)
Micro Insurance (Life/ Health, House &
Property): 8.9 mn insurance policies
(29.30% YoY)
•
•
Life/Health: 4.5 mn policies (45.18%
YoY)
House: 2.5 mn policies (19.55% YoY)
• Property: 1.9 mn policies (12.51% YoY)
Gold Savings & Investment:
3.3 mn customers & 7,399 kg gold OS (7.9%
YoY)
Mobile Banking (BRIMO): 25.7 mn users
(59.65% YoY)
Physical Outlets
+15K units (4.2% YoY)
(BRI Micro Outlets +6.4K (-6.7% YoY);
Pegadaian +4,086 (0.0% YoY); PNM
+4,482 (13.6% YoY)
Co-Location
(Senyum Outlets)
1,013 units
(150.7% YoY)
BRILink Agents
+650K Agents
(20.6% YoY)
BRI
E-Channels
+271K units
(18.3% YoY)
Financial Advisors
+72K (9.8% YoY)
(BRI +27.2K (-0.4% YoY);
Pegadaian +2.2K (7.2% YoY);
PNM +43.1K (17.6% YoY)
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