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Sound Business Strategy, Focus on Flagship Segment

Set to Become the Most Valuable Banking Group in SEA and Champion of Financial Inclusion through BRIVolution 2.0

Creating New Growth Engine

Accelerating CASA Growth

Enhancing Cross Sell to Boost Fee Income

Adapting Culture & Capabilities

Improving Customer Experience

Containing Credit Cost

Through BRIVolution 2.0 transformation strategy, BRI has a vision to become “The Most Valuable Banking Group in Southeast Asia & Champion of Financial Inclusion”. In achieving this, we have affirmed our commitment to grow Micro and Ultra Micro segments contributing to the development of society socially and economically. This commitment is embodied in the establishment of Ultra Micro Holding in September 2021. It is a business integration between BRI, Pegadaian, and PNM done by right issue mechanism with an achievement of 101,53% new orders by public shareholders or oversubscribed.

BRI also has several aspirations to be achieved in 2025, those are market cap $75 billion, digital first DNA, home to the best talent, minimum 65% CASA composition, agile & entrepreneurial mindset, high teen level ROE 19%, and 55% micro loan composition. In the middle of challenging conditions like today, BRI remains optimistic that we will be able to maintain strong and sustainable growth in the future as a sound strategy has been in place with the support from BRIVolution 2.0.

As of December 2022, BRI has more than 144 million micro deposit customers and more than 35 million micro and ultra-micro borrowers located throughout Indonesia and consisting of all levels of society. More than 70.000 micro loans officers who also act as financial advisors to micro borrowers spread across more than 6,600 BRI micro-outlets are spearheading the delivery of BRI microfinance products, including loan products, such as individual, group, and pawn lending as well as micro deposit and insurance products. More than 620,000 branchless bank BRILink Agents are also the right hands of micro financial advisors in referring to BRI products and services. BRI has developed several digital initiatives to enable an effective and efficient delivery of BRI micro products and services. BRISPOT is one of our digital initiatives that has helped us shorten loan underwriting processes from previously around two weeks to less than two days. In response to the pandemic, BRI has also created several digital breakthroughs, such as the creation of Pasar ID applications (payment ecosystem for traditional markets, merchants, and buyers) and Stroberi (integrated electronic transaction solutions for micro entrepreneurs).

BRI's positioning as a bank that focuses on serving Micro & Ultra Micro is an advantage for BRI compared to its peers. The Micro & Ultra Micro segment is a segment that provides high potential growth with less intense competition. However, BRI continues to innovate and transform so that services can be provided better and reach more customers, especially micro & ultra-micro customers. BRI's penetration into the Ultra Micro segment is BRI's initiative to find new sources of growth for BRI's business in the future, moreover Ultra Micro segment acts as an embryo of Micro and SME Segments on UMi Ecosystem.