BRI Performance Highlights and Green Initiatives
GLOBAL LEADER SERVING THE ULTRA MICRO & MICRO SEGMENT
Leading and Well-positioned To Serve The Ultra Micro & Micro Segment
01
B BRI
BRI Well-Positioned to Serve The Ultra Micro & Micro Segment
National Posture of Indonesian Enterprises and Individuals
Corporation
■ c.5.5k businesses
■ Price sensitive and has easy access
to capital markets and banking
Medium
■ 60k businesses with assets,
>IDR500mn - IDR10bn and sales
>IDR2.5bn - IDR50bn
■ Limited production and distribution
network
High NPL
3 Small
■ c.785k businesses with assets
>IDR50-500mn and sales
>IDR300mn - IDR2.5bn
Micro & Ultra-Micro
-57mn businesses
Corporation/
Individual
HNWI (*)
129k people with assets of
USD500bn
■ 50% family-owned businessmen
and conglomerates, 15% investors
■ c.1.1mn people with assets
>IDR500mn
2 Premium
Med- Prem-
ium ium
■ Fairly small market, but contributes
significantly to
to financial industry in Indonesia
3 Middle Class
BRI
Small
Middle
Class
BRI
■ c.90mn people with assets of
I
IDR50mn - IDR500mn
High knowledge of products and
services
Micro & Ultra-Micro
BRI
Micro
⚫c. 165 million people
■ Total c.62mn
BRI
businesses, including
eligible for ultra
Pegadaian
Mass
micro loans
Micro and Ultra-Micro
Pegadaian
PNM
or KUR only
■ Access to group loans
■ Limited players in this
segment
with Ample knowledge of
basic saving product, but low for
investment and insurance
Start using digital banking
technology
Ultra Micro
⚫Mostly reliant on informal
funding
BRI, BPRS dominant in this
segment
~15K
+627K
Micro
Outlets(1)
BRILink
Agents
~70K
Micro
Financial Advisors (2)
BRI Comprehensive Ultra Micro and Micro Business
Large Customer Base
+35.3 Mn Borrowers
(+14.4 Mn BRI, +14.0 Mn PNM, +7.0 Mn
Pegadaian borrowers)
+144 Mn micro depositors (based on account
numbers) and +125 Mn (based on CIF)
Comprehensive
Product Offerings
Lending: Individual (Secured & Unsecured),
Group Lending, Pawn Lending
Deposits: Saving Account, Current
Account, Time Deposit
Insurance: Life and Health Insurance,
General insurance
Investment: Gold Savings
Community-based
Business Model
From Locals to Locals: Ultra Micro & Micro
business employees (from salesforces to the
head of BRI Units) are from local community
to build trust with local customers and
support local development.
BANK
Extensive Banking Networks
6,647 BRI Micro Outlets 627,012 BRILink Agents
4,086 Pegadaian Outlets 4,197 PNM Outlets
Experienced Financial
Advisors
~70k Financial Advisors ( +27K BRI, +2.1K
Pegadaian & +40.7k PNM) to serve and
empower the ultra micro & micro customers
Digitized Business Process
BRISPOT Micro, Pegadaian Selena, PNM
Digi (Digital Loan Underwriting System)
BRILink Mobile (Mobile App for Brilink Agents)
Micro Payment Ecosystem
Pasar ID (Payment ecosystem for traditional
market merchants and buyers)
Stroberi Cashier (Integrated electronic
transaction solutions for micro customers)
Source:
BRI's public filings.
Notes:
(*) High Network Individual
(1) Micro outlets include BRI Unit, Teras BRI, Pegadaian Outlets & PNM Outlets.
(2) Micro Financial Advisors Include BRI's Micro Financial Advisor, AO Pegadaian & AO PNM
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