Investor Presentaiton
Key Characteristics of Ultra Micro & Micro Customers
HYBRID BANK BUSINESS MODEL
Combining Physical Presence and Digital Capabilities (Phygital) to Match Customer Journey
(BRI
1
Familiar with digital platforms,
although smartphone
2
penetration remains low
Limited knowledge of financial
products beyond savings
account
Digital Capabilities
3
Cash still being the dominant
chosen method of
transactions
Digitizing Core
Digitize business process to boost
productivity & unleash the potential
+
HYBRID BANK
Physical Presence
8,028 Outlets
1
1
+271,125 E-Channels
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 leverage new 2
liquidity, new opportunities and
new source of growth
Big Data & AN
BRIBrain Utilization
0
Prefers banking via an agent
6 rather than digital banking
7
model
Open to beyond banking
offerings to help grow the
business
New Digital Propositions
Create independent greenfield digital bank
to tap the untapped segment and
embedded in customer's life
3
BRI BRAIN
3
650,780 BRILink Agents
2
BRI Branchless Banking
+37k Experienced
Financial Advisors
+72k Umi Holding (incld. Pegadaian & PNM)
BRI Digital Advisors ("Penyuluh Digital")
Digital Acquisition, Digital Transaction,
and Digital Education
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