BRI Performance Highlights and Green Initiatives
ULTRA MICRO & MICRO ECOSYSTEM
Comprehensive Financial Products & Services Offer Huge Potential for Cross Selling and Joint Acquisition
BRI
Access to comprehensive Ultra Micro
& Micro Financing Products
•
Group Lending (PNM Mekaar):
IDR 35.8 Tn (36.4% YoY), 13.9 mn borrowers (25.4% YoY)
Pawn Lending (Pegadaian):
IDR 51.5 Tn (10.6% YoY), 6.6 mn borrowers (5.4% YoY)
•
Micro Loan:
a) BRI Micro Loan: IDR 449.6 Tn (13.3% YoY), 14.4 mn
borrowers (7.8% YoY)
b) PNM Ulamm: IDR 5.7 Tn (-22.2% YoY), 74K borrowers
(-10.4% YoY)
c) Pegadaian (Non-Pawn Lending): IDR 7.6 Tn (28.5%
YoY), +317K borrowers (25.3% YoY)
II:
+35mn (13.3%
YoY)
Umi & Micro
Borrowers
Physical Outlets
+15K units (1.3% YoY)
(BRI Micro Outlets +6.5K (-5.7% YoY);
Pegadaian +4,086 (0.0% YoY); PNM
+4,197 (14.2% YoY)
*Based on Company's Internal research as of 2020
4
+144mn
Micro
Deposit
Account
•
~30 Umi customers still need
mn
additional financing*
Wider Points of Access
Comprehensive Savings and Beyond
Banking Products
Micro Savings: IDR 367.7 Tn (3.2% YoY)
Micro Insurance (Life/Health, House & Property): 35.6
mn insurance policies (67.83% YoY)
•
•
Life/Health: 18.0 mn policies (76.45% YoY)
.
House: 9.7 mn policies (53.97% YoY)
Property: 7.8 mn policies (67.77% YoY)
Gold Savings & Investment:
3.4 mn customers & 7,417 kg gold OS (4.6% YoY)
Mobile Banking (BRIMO): 23.8 mn users (68.46% YoY)
Co-Location
(Senyum Outlets)
BRILink
Agents
BRI
E-Channels
Financial Advisors
~70K (13.5% YoY)
(BRI
1,013 units (562.1% YoY); i 627K Agents (24.6% YoY)
+250K units (11.3% YoY)
BRI +27.2K (0.9% YoY); Pegadaian +2.1K (23.3%
YoY); PNM +40.7K (23.2% YoY)
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