Investor Presentaiton
"
SOLID FOUNDATION FOR LOW-COST FUND
CASA Focused Strategies to Optimize Market Potential and BRI's Large Customer Base
BRI CASA Performance
CASA Potential
CASA Growth (IDR Trillion)
Financial Inclusion Index
66.7%
64.5%
63.1%
60.1%
59.7%
57.7%
568 589 669 718 872 810
85.10%
76.19%
67.80%
2018 2019 2020 2021 2022 1Q'23
CASA (IDR Tn) -O-CASA %
2016
2019
2022
CASA growth of 8.7% (CAGR 2018 -
1Q'23)
Source: National Survey of Financial
Literacy & Inclusion 2019 by
Financial Services Authority
Customer Oriented
CASA Products
I
.
(BRI
Broad range of products for various customers' needs
Savings - Simpedes, Simpedes Bisa, Simpedes UMi,
Britama, Britama Bisnis, Britama Valas,, Britama
Rencana, Britama Junio, Tabunganku
Re-Inventing
Business Model
Current Account - Giro BRI
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 commodities (Pasar.id, Commodity
Payment Chain)
Cost of Fund
Money Outside Banks (IDR Tn)
831.2 840.5
3.54%
3.73%
760.1
3.53%
625.4 654.8
586.6
2.68%
2.36%
2.06%
2018
2019 2020 2021
2022 1Q'23
2017
2018 2019
2020 2021 2022
I
*Source: Indonesia Financial Statistic Nov
2022;
Subsidiaries'
Synergies
I
I
Increasing share of wallet through BRI
Group Synergies (joint acquisition/cross
selling)
Culture &
Capabilities
CASA Focus KPIs, Empowering Customer's
Digital savviness by extending RM's role as
Digital Advisors
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