BRI Performance Highlights and Green Initiatives
FOCUS ON INCREASING HIGH YIELD ASSETS
Overarching Strategy: Boost Kupedes loan Growth to Increase Profitability
Comprehensive Strategy to Boost Kupedes Growth
BRI
KUPEDES
Accumulated Disbursement - OS
16.2
13.3
(IDR Tn)
80.5
57.8
65.5
35.2
44.8
28.1
2021: -19.4% YoY
2022: 22.9% YoY
10
Q1
Q2
Q3
Q4
2021
2022
7
Loan Officers' Business Coverage
Loan Officer Designated
Coverage Area
Designated Coverage Area prevents
overlapping customers and enables
loan officers to work more efficiently with a better
familiarity to maximize the potential of an area.
BRIKODES
BRIKODES as BRI's inclusion
management tools which produces
recommendation matrices up to sub-
district level (inclusion, product
holding, digital literacy & risk
management)
Business Process Reengineering
BRI Enhancing Digital Micro Loan
SPOT Underwriting Application
Sales management, Monitoring & evaluation,
Cross selling, Origination & approval
SenyuM
Mobile
Integrated digital sales platform for BRI,
Pegadaian & PNM to enable cross selling &
joint acquisition
Product Innovation & Alignment
Kupedes
Rejuvenation
• Grace period scheme
Co-Location
.
Hybrid scheme (Kupedes Utama)
Auto renewal
KECE
(Kupedes
Pre-approval
• Lower ticket size
Shorter tenor
Extra Cepat) • Faster approval
Simpedes Micro savings product with
Bisa investment & protection features
Product Aligning micro loan product
within BRI, PNM (Ulaam) and
Realignment
Pegadaian (Kreasi)
New Business Model
Senyuй
Sharing networks for Pegadaian &
PNM to give wider access for UMi
customers & enhance cross selling
BRILink Mitra UMi
Redefine BRILink agents'
roles as the primary loan
acquisition and to empower
Ultra Micro Segment
Micro
Loan Officer
BRIUMI Partner
New Rules of KUR Disbursement
KUR Allocation
Breakdown
Parameter
New KUR Borrowers
Kupedes Growth
KUR Loan Quality
KUR allocation was determined quarterly
based on several parameter
Breakdown Mechanism
"
H
UMI Borrowers
Jan '22
Early Breakdown
Q1, Q2, Q3
Evaluation
Develop micro payment
ecosystem to capture micro
Hyperlocal transaction, boosting CASA,
Ecosystem
and fee income
Dec'22
Breakdown
Basis in 2023
The new mechanism encourages the
distribution of Micro KUR to remain maximal
but still maintain Micro yield by growing
customer base and high Kupedes growth
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