BRI Performance Highlights and Green Initiatives
CASA GROWTH REMAINS STRONG
Maintaining CASA Growth by Optimizing Wholesale Banking and BRIMO Penetration
Theme 2023: Strengthen Retail Banking Capabilities
CASA vs COF vs BI Rate
66.9%
6.00%
63.3%
61.8%
5.00% 61.0%
3.75%
59.0%
3.47% 3.58%
3.50%
3.22%
+25-50 bps
5.75%
5.50%
2.05%
1.87%
2018
2019
2020 2021
2022
1M'23 2023 (P)
COF
BI Rate
O-CASA
BRI'S CASA increase led to a 171bps decrease in CoF
since 2019. BRI anticipates some pressure on CoF as a
follow through from interest rate increases
Note: all numbers are bank only, unless stated as consolidated
ENABLERS
1
Strengthening
cross segment
collaboration
through value
2 Empowering
chain business
reliable support
system, include
complaint
management
CASA
Ecosystem
Micro &
Retail
Wholesale
Banking
CASA Merchant
gaji.id
Axio
SMART
CASA Smartcoop
Junio Smart
BRI
BRI
Smart
BRI Smart Billing
CLIENT
Deepening
Client
Centric
STR BERI
33
03
WHOLESALE
BANKING
Simpedes
UMi
BRIMOLA
pasar.fd
BRI
3
4
Deepening
Building sales
capability and
effective
sales culture
penetration of
BRIMO
5
Focusing on
CASA based
transaction
BRIMO
Engagement
BRIMO
Rate
BRI
mo
23.8 mio users
PEOPLE
Strengthening
QLOLA
People Capabilities
01
QLOLA
Digital App
02
PRODUCT
Develop Best In
Class Product
out of 166 mio total BRI
customers
Transaction & CASA Acquisition
Seamless Transaction with
Integrated App in One-Platform
Offer Full Bank Solutions Through
Ecosystem Value Chain Approach
Integrated
Corporate
Solution
Data Integration
Beyond Banking
12View entire presentation