Investor Presentaiton
BRI MICRO BUSINESS PERFORMANCE
Increasing Kupedes Composition and Customer Base
Micro Loan Outstanding
(IDR Trillion)
9.9%
# Borrowers
(in Mio)
5.3%
BRI
# Borrowers per Loan Officer
528
528
14.4
14.3
488
502
449.6
456.5
13.3
13.6
415.4
0.6
0.6
430
397.0
11.7
0.7
0.7
68.9
68.2
2.8
351.3
10.5
375
73.5
10.0
0.8
2.6
3.7
356
2.8
307.7
74.9
0.9
274.3
79.9
129.2
0.9
165.7
3.4
83.2
128.1
131.8
3.9
78.7
3.6
144.7
10.9
9.8
10.3
10.0
155.1
131.3
251.5
190.3
213.8
222.5
7.5
5.5
5.7
126.7
64.3
69.3
2018
2019
2020
2021
2022
1Q'22
1Q'23
2018 2019
2020
2021
2022
1Q'22
1Q'23
2018 2019 2020 2021 2022
Q1'22 Q1'23
■KUR
■ Kupedes
Briguna
g YoY
■KUR ■Kupedes Briguna
g YoY
Growth YoY
Growth YoY
Loan Outstanding per Loan Officer
Product
2018 2019 2020 2021 2022
1Q'22 1Q'23
Product 2018 2019 2020 2021
2022
1Q'22 1Q'23
(in Bio)
16.5
16.8
15.3
14.6
KUR
8.5% 7.9% 82.8% 50.1% 32.2%
49.6% 4.1%
KUR
7.4%
4.5% 31.4% 31.1% 10.8%
27.9% -3.3%
12.9
11.0
9.8
Kupedes 20.6% 18.1% -6.8% -8.9% -1.9%
-7.6% 29.3%
Kupedes
7.2% 8.7% -12.8% -19.5% 2.7% -19.2% 43.0%
Briguna 10.4% 5.8% -4.0% -6.3% -8.0%
-6.3% -7.2%
Briguna
-1.9% -3.9% -9.8% -10.1% -13.6% -12.7% -10.4%
Total
14.5% 12.2% 14.2% 13.0% 13.3%
15.4% 9.9%
Total
6.5%
5.3% 11.4% 13.5% 7.8%
12.7% 5.3%
2018 2019
2020
2021 2022
Q1'22 Q1'23
Bank only numbers
43View entire presentation