BRI Performance Highlights and Green Initiatives
SOLID FOUNDATION FOR LOW-COST FUND
BRI CASA Focus Strategies to Optimize Market Potential and BRI Large Customer Base
BRI CASA Performance
CASA Potential
CASA Growth (IDR Trillion)
Financial Inclusion Index
66.9%
63.3%
61.0%
85.10%
59.0%
76.19%
870.5
67.80%
714.0
642.2
572.2
2019
2020
2021
2022
2016
2019
2022
High double digit CASA growth of
15.0% (CAGR 3Y)
Source: National Survey of Financial
Literacy & Inclusion 2019 by
Financial Services Authority
.
Customer Oriented
CASA Products
I
03
BRI
Broad range products for various customers' needs
Savings - Simpedes, Simpedes Bisa, Simpedes UMi,
Britama, Britama Bisnis, Britama Valas,, Britama
Rencana, Britama Junio, Tabunganku
Current Account - Giro BRI
Re-Inventing
Business Model
Digital Ecosystem
Platform
Close Loop
Ecosystem
I
Improve Customer Experience by
re-inventing the business process
(BRILink, BRIMO, Digital Saving)
Providing customized payment platform
to capture new growth potential (BRI
Open API, BRIMOLA, Junio Smart)
Capturing the liquidity potential based
on commodity (Pasar.id, Commodity
¦ Payment Chain)
Cost of Fund
3.58%
3.22%
2.05%
1.87%
Money Outside Banks (IDR Tn)
831.2 840.5
760.1
586.6
625.4 654.8
Subsidiaries'
Synergies
I
I
2019
2020
2021
2022
2017 2018 2019 2020 2021 2022
I
Culture &
Capabilities
Aggressive efficiency efforts lead
decreasing COF ratios to 1.87%
*Source: Indonesia Financial Statistic Nov
2022;
Increasing share of wallet through BRI
Group Synergy (joint acquisition/cross
selling)
CASA Focus KPIs, Empowering Customer's
Digital savviness by extending RM's role as
Digital Advisors
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