BRI Performance Highlights and Green Initiatives
Key Characteristics of Ultra Micro & Micro Customers
2
HYBRID BANK BUSINESS MODEL
Combining Physical Presence and Digital Capabilities (Phygital) to Match Customer Journey
1
Familiar with digital platforms,
although smartphone
penetration remains low
Limited knowledge of financial
products beyond savings
account
3
Cash still being the dominant
chosen method of
transactions
Digitizing Core
Digitize existing services and transactions (business process)
to boost productivity & unleash the potential
Digital
Loan
BRI
Underwriting SPOT
Integrated Digital
Sales Platform
SenyuM
Mobile
Mobile
Banking
Super Apps
BRI
mo
Smart Virtual
Assistance
Digital Office
Application
BRIStars
My Bian World
Digital Learning
Application
bris Art
4
5
Need a financial institution that
is "locally embedded" and is
able to "gain their trust"
Majority without stable
income
Digital Ecosystem
Build ecosystem to offer products and services beyond core
business to leverage new liquidity, new opportunities and
new source of growth
Digital
Ecosystem
Platform
(B2B, B2B2C)
Digital
BRIMOLA
Household LPG
Ordering System
School BRI Integrated
HAR Management Smart Billing System
System
STR BERI pasar.ta
С2С Місто Payment- Traditional Market
Transaction
Ecosystem
Partnership &
Collaboration
BRI ap
Open Application
Programming Interface
Fintech
Ventures BRIventures
Capital
E-Commerce Partnership
P2P Partnership
Partnership Ride Hailing Partnership
New Digital Propositions
Create and launch an independent greenfield digital bank to
tap the untapped segment and embedded in customer's life
Prefers banking via an agent
6 rather than digital banking
7
model
Open to beyond banking
offerings to help grow the
business
Source: Company's Research and Surveys, 2020
...........
BRI
HYBRID BANK
BRI BRAIN
BRI Big Data & Al
Buildige Digital Nation
Loan
Digital ceria BRI Pinang
rayo
Digital
Saving
BRI digital
Digital Capabilities
saving
Physical Presences
Digital aya
Bank
02
70
~8500 Outlets
+250,000 E-Channels
Outlets
E-Channels
■ +1000 Branches & Sub-branches
■ +6600 Micro Outlets
■ 860 Cash Offices & Payment Points
+13,800 ATMs
+8,000 CRMs
+228,000 EDCs
627,012 BRILink Agents
BRI Branchless Banking
Simple Financial transaction Services
(i.e., money transfer, cash withdrawal,
billing payment)
Loan Referral
Saving Referral
■ Micro Insurance Referral
+37,000
Experienced Financial Advisors
+79,000 (Group incld. Pegadaian & PNM)
BRI Digital Advisors ("Penyuluh Digital")
Digital Acquisition, Digital Transaction,
and Digital Education
Note: All numbers are bank only, unless stated as consolidated
16
BRIView entire presentation