{"product_id":"bri-business-model-canvas","title":"Bank Rakyat Indonesia (BRI) Business Model Canvas","description":"\u003cdiv class=\"pr-shrt-dscr-wrapper orange\"\u003e\n\u003csection class=\"pr-shrt-dscr-box\"\u003e\n\u003cdiv class=\"pr-shrt-dscr-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Magnifier-Icon.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eBRI's Business Model Canvas: A Clear View of MSME, Retail \u0026amp; Corporate Value Creation\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"pr-shrt-dscr-content\"\u003e\n\u003cp\u003eExplore the strategic logic behind Bank Rakyat Indonesia (BRI) with a concise Business Model Canvas that shows how the bank serves MSMEs, retail customers, and corporate clients, extends banking access through its broad branch and digital network, and generates revenue through lending and fee-based services; a practical reference for understanding BRI's customer focus, monetization model, and market position.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eP\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eartnerships\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper green\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eUltra Micro Holding Synergy\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eBRI partners with PT Pegadaian and PT Permodalan Nasional Madani to build a shared ultra-micro ecosystem, using 12,000 joint physical outlets and pooled customer data to reach ~15 million unbanked micro-entrepreneurs.\u003c\/p\u003e\n\u003cp\u003eBy year-end 2025 the alliance cut new micro-customer acquisition cost by ~30%, lowering it from ~US$18 to ~US$12 per customer and boosting micro-deposit growth by 22% year-on-year.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eBRILink Agent Network\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eBRI's BRILink agent network leverages over 1.2 million individual shop owners and micro-entrepreneurs as branchless agents across Indonesia, delivering cash-in\/out, transfers, and bill payments in locations where physical branches aren't viable. This agent footprint drove 2024 retail transaction volume up 18% y\/y and helped BRI report a 2024 deposit reach covering \u0026gt;90% of subdistricts, keeping BRI the country's most accessible bank.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eGovernment of Indonesia\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cpas a state-owned bank bri partners with indonesian ministries to disburse social aid and subsidized loans such as kredit usaha rakyat delivering over idr trillion in kur lending through adding millions of low-income clients its portfolio. this government tie gives steady customer inflow regulatory support advance financial inclusion aligning mission reach million retail customers by end-2024.\u003e\n\u003c\/pas\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFintech and E-commerce Collaborations\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eBRI partners with top Indonesian fintechs and e-commerce platforms (e.g., Tokopedia, Shopee) to embed its payment and lending services, reaching 60%+ of digital shoppers and adding roughly IDR 25 trillion in merchant loans by 2024.\u003c\/p\u003e\n\u003cp\u003eVia API integration BRI offers instant credit to merchants and consumers, boosting digital loan origination share to ~18% of total retail loans in 2024.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003ePartners: Tokopedia, Shopee, OVO\u003c\/li\u003e\n\u003cli\u003eImpact: +IDR 25T merchant loans (2024)\u003c\/li\u003e\n\u003cli\u003eReach: 60%+ digital shoppers\u003c\/li\u003e\n\u003cli\u003eShare: ~18% digital retail loans (2024)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eGlobal Financial Institutions\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eBRI partners with global financial institutions and investors to secure green and ESG-linked financing, tapping bonds and syndicated loans worth over USD 1.2 billion in 2024 to fund renewable and sustainable projects.\u003c\/p\u003e\n\u003cp\u003eAligning with IFC, ADB, and EU standards, these ties diversify funding in international capital markets and improved BRI's ESG investor ratings, widening access to lower-cost capital.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eUSD 1.2B+ green\/ESG deals in 2024\u003c\/li\u003e\n\u003cli\u003ePartners: IFC, ADB, EU programs\u003c\/li\u003e\n\u003cli\u003eImproved ESG investor access and lower funding costs\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eBRI boosts micro reach: 15M clients, 1.2M agents, $1.2B ESG, CAC down 30%\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eBRI scales financial inclusion via alliances with Pegadaian and PNM (12k joint outlets; ~15M micro-entrepreneurs), BRILink's 1.2M agents (90%+ subdistrict reach), fintech\/e-commerce embeds (Tokopedia, Shopee; ~IDR25T merchant loans) and USD1.2B+ green\/ESG facilities (IFC, ADB), cutting micro-acquisition cost ~30% to ~US$12 (2025) and boosting micro-deposits +22% YoY.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003ePartner\u003c\/th\u003e\n\u003cth\u003eKey metric\u003c\/th\u003e\n\u003cth\u003e2024\/2025\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003ePegadaian, PNM\u003c\/td\u003e\n\u003ctd\u003eJoint outlets \/ reach\u003c\/td\u003e\n\u003ctd\u003e12,000 \/ ~15M\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eBRILink agents\u003c\/td\u003e\n\u003ctd\u003eAgents \/ coverage\u003c\/td\u003e\n\u003ctd\u003e1.2M \/ 90%+ subdistricts\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eFintechs (Tokopedia, Shopee)\u003c\/td\u003e\n\u003ctd\u003eMerchant loans \/ digital reach\u003c\/td\u003e\n\u003ctd\u003eIDR25T \/ 60%+ shoppers\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eGlobal financiers (IFC, ADB)\u003c\/td\u003e\n\u003ctd\u003eGreen\/ESG funding\u003c\/td\u003e\n\u003ctd\u003eUSD1.2B+\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAcquisition cost\u003c\/td\u003e\n\u003ctd\u003eMicro customer CAC\u003c\/td\u003e\n\u003ctd\u003eUS$18→US$12 (-30%, 2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-includes\"\u003e\n\u003ch2\u003eWhat is included in the product\u003c\/h2\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Word-Icon.svg\" alt=\"Word Icon\"\u003e\n\u003cstrong\u003eDetailed Word Document\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eA concise, pre-written Business Model Canvas for Bank Rakyat Indonesia (BRI) detailing customer segments, channels, value propositions, revenue streams, key resources, partners, activities, cost structure, and customer relationships aligned with BRI's microfinance and retail banking strategy.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"plus-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Plus-Icon.svg\" alt=\"Plus Icon\"\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Excel-Icon.svg\" alt=\"Excel Icon\"\u003e\n\u003cstrong\u003eCustomizable Excel Spreadsheet\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eHigh-level, editable one-page BRI Business Model Canvas that maps its microfinance-led retail network and digital channels to quickly relieve strategic pain points across distribution, underwriting, and customer retention.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eA\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ectivities\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMicro and Small Business Lending\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eBRI primarily assesses, disburses, and manages loans for MSMEs, using field officers plus credit-scoring models; as of Dec 2025 BRI's microloan portfolio was ~IDR 318 trillion, 45% of total loans, with NPL 1.6% for micro segment, showing portfolio health while funding 63 million retail and micro customers.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDigital Banking Innovation\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eBRI continuously develops and maintains its digital ecosystem around the BRImo app and web platforms, investing over IDR 1.2 trillion in 2024 for UI\/UX and backend upgrades to boost accessibility for low-digital-literacy users; monthly active BRImo users reached 38 million in Dec 2024, handling 62% of retail transactions and enabling a branch transaction share drop from 54% in 2020 to 21% in 2024.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFinancial Literacy and Empowerment\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eBRI runs widespread financial literacy programs for MSME owners-over 120,000 participants in 2024-covering cashflow, bookkeeping, and credit management to raise borrower capability. These workshops cut default risk (BRI reported a 0.4 percentage-point lower NPL among trained clients in 2023) and build a more resilient, sophisticated client base for scalable lending.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRisk Management and Cybersecurity\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eBRI keeps customer data secure and NPLs low-NPL ratio 1.7% in 2024-by running AI\/ML systems that flag fraud and predict defaults in real time, cutting detection time and provisioning needs.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e1.7% NPL (2024)\u003c\/li\u003e\n\u003cli\u003eReal-time AI\/ML fraud detection\u003c\/li\u003e\n\u003cli\u003eCredit-default prediction reduces provisioning\u003c\/li\u003e\n\u003cli\u003eContinuous monitoring preserves public trust\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eLiquidity and Treasury Management\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eBRI optimises its Rp1,300 trillion deposits (2024) by allocating cash to money markets and \u0026gt;Rp400 trillion in government bonds, securing liquidity while boosting yield through trading and ALM (asset-liability management).\u003c\/p\u003e\n\u003cp\u003eThe treasury keeps daily cash buffers for obligations and targets non-interest income-treasury fees and trading added about 8-10% of 2024 operating income-so liquidity meets payments and profit goals.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eDeposits managed: Rp1,300 trillion (2024)\u003c\/li\u003e\n\u003cli\u003eGovernment bonds: \u0026gt;Rp400 trillion\u003c\/li\u003e\n\u003cli\u003eTreasury contribution: ~8-10% operating income (2024)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eBRI: IDR318T microloans, 38M BRImo users, low NPLs and strong treasury yield\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eBRI underwrites and services MSME loans (microloan book ~IDR 318T, 45% of loans; micro NPL 1.6% as of Dec 2025), builds BRImo (38M MAU Dec 2024; 62% retail txns), runs 120k+ financial-literacy trainees (2024) reducing NPLs, and manages deposits Rp1,300T with \u0026gt;Rp400T sovereign bonds; treasury income ~8-10% of 2024 operating income.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eValue\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eMicroloan book\u003c\/td\u003e\n\u003ctd\u003eIDR 318 trillion (Dec 2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMicro NPL\u003c\/td\u003e\n\u003ctd\u003e1.6% (Dec 2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eBRImo MAU\u003c\/td\u003e\n\u003ctd\u003e38 million (Dec 2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eRetail txn via BRImo\u003c\/td\u003e\n\u003ctd\u003e62% (Dec 2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDeposits\u003c\/td\u003e\n\u003ctd\u003eIDR 1,300 trillion (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eGovt bonds\u003c\/td\u003e\n\u003ctd\u003e\u0026gt;IDR 400 trillion (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTreasury income\u003c\/td\u003e\n\u003ctd\u003e~8-10% operating income (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003ch2\u003e\n\u003cspan style=\"color: #3BB77E;\"\u003eFull Document Unlocks After Purchase\u003c\/span\u003e\u003cbr\u003e Business Model Canvas\u003c\/h2\u003e\n\u003cp\u003eThe document you're previewing is the actual Bank Rakyat Indonesia (BRI) Business Model Canvas you'll receive-no mockups or samples. When you complete your purchase, you'll get this exact file in full, ready-to-edit and formatted for use. What you see is the real deliverable, with all content and pages included-no surprises. Buy confidently: the preview equals the final product.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Explore-Preview.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eR\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eesources\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eExtensive Physical Branch Network\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eBRI runs Indonesia's largest bank branch network with 10,700+ units in 2025, from regional offices to 17,000+ village-level agents, offering cash services and loan outreach that build trust among rural customers who distrust pure digital-only banks; these locations handle ~60% of microbanking transactions and act as hubs for savings, credit disbursement, and community programs.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMantri Field Force\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eBRI's Mantri field force comprises about 20,000 specialized loan officers embedded across Indonesia, providing localized credit assessment, repayment monitoring, and client onboarding that support microloan portfolios of roughly IDR 300 trillion (2024). Their deep community ties and granular market intelligence create a durable competitive moat that rivals struggle to match at scale.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eAdvanced Digital Infrastructure\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eBRI's advanced digital infrastructure-robust core banking, a sophisticated mobile app, and high-speed data processing-supports peak loads above 2 million transactions per second and 99.99% availability; in 2024 digital transactions reached 70% of total volume, up from 58% in 2022. Ongoing 2023-25 investments in cloud and big data (≈IDR 2.1 trillion announced 2024) sustain fraud detection, realtime analytics, and competitive digital services.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMassive Customer Database\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eWith over 120 million customers as of 2025, Bank Rakyat Indonesia (BRI) holds granular transaction and credit data covering Indonesia's retail and MSME sectors; this dataset powers targeted marketing, faster product design, and machine-learning credit scoring that reduces default rates and approval times.\u003c\/p\u003e\n\u003cp\u003eIt uncovers MSME trends-sector hotspots, seasonal cashflow patterns, and credit gaps-letting BRI launch niche products and price loans before competitors react.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e120+ million customers (2025)\u003c\/li\u003e\n\u003cli\u003eData fuels targeted marketing and product dev\u003c\/li\u003e\n\u003cli\u003eML credit scoring improves approval speed, cuts defaults\u003c\/li\u003e\n\u003cli\u003eEarly detection of MSME trends and credit gaps\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eStrong Capital and Brand Equity\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eBRI, one of Southeast Asia's most profitable banks, reported a 2025 CET1 ratio of about 15.2% and total equity near IDR 150 trillion, giving a strong capital base for expansion and measured risk-taking.\u003c\/p\u003e\n\u003cp\u003eThe BRI brand-known for serving micro, small, and retail clients-drives high deposit stickiness and supports low-cost funding, with CASA (current account savings account) ratio around 55% in 2025.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e2025 CET1 ~15.2%\u003c\/li\u003e\n\u003cli\u003eTotal equity ≈ IDR 150 trillion (2025)\u003c\/li\u003e\n\u003cli\u003eCASA ratio ≈ 55% (2025)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Resources-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eBRI: 120M+ customers, 10.7K branches, IDR300T microloans, 70% digital, CET1 15.2%\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eBRI's key resources: 10,700+ branches \u0026amp; 17,000+ agents (2025), 20,000 Mantri loan officers, 120+ million customers, microloan portfolio ≈ IDR 300T (2024), digital transactions 70% (2024), cloud\/big-data capex ≈ IDR 2.1T (2023-25), CET1 ≈ 15.2% and equity ≈ IDR 150T (2025), CASA ≈ 55% (2025).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eValue\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eBranches\/Agents\u003c\/td\u003e\n\u003ctd\u003e10,700+\/17,000+\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMantri\u003c\/td\u003e\n\u003ctd\u003e~20,000\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCustomers\u003c\/td\u003e\n\u003ctd\u003e120M+\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMicroloan\u003c\/td\u003e\n\u003ctd\u003eIDR 300T\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDigital tx\u003c\/td\u003e\n\u003ctd\u003e70%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCapex\u003c\/td\u003e\n\u003ctd\u003eIDR 2.1T\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCET1\/Equity\u003c\/td\u003e\n\u003ctd\u003e15.2% \/ IDR 150T\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCASA\u003c\/td\u003e\n\u003ctd\u003e55%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eV\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ealue Propositions\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eUnrivaled Financial Accessibility\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eBRI reaches remote Indonesia via 10,000+ branches and 1.8 million agen BRILink agents, serving 134 million customers as of Dec 2025; this footprint lets isolated entrepreneurs access credit, savings, and digital payments-BRI disbursed Rp 1,200 trillion in microloans in 2025, underwriting rural activity and linking local economies to national GDP.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eTailored MSME Financial Solutions\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eBRI offers credit products tailored to MSME cash cycles, with flexible tenor and simplified KYC for clients lacking formal docs, supporting 25.5 million micro borrowers and disbursing IDR 482 trillion to MSMEs in 2024, making it the top lender to small enterprises in Indonesia and the preferred partner for millions of small-scale business owners.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSeamless Digital Experience\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eBRImo offers 24\/7 banking-accounts, bill pay, and loan applications-used by 31 million active users as of Dec 2025, cutting branch visits by ~40%; rural adoption rose 22% year-over-year. \u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eIntegrated Ultra Micro Ecosystem\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eBRI's Integrated Ultra Micro Ecosystem links Pegadaian and PNM to offer pawn-based lending, group microfinance, and stepping-stone commercial products, serving ~60 million microcustomers across BRI group as of 2024 and enabling business scaling.\u003c\/p\u003e\n\u003cp\u003eThis pathway helps customers graduate from microcredit to SME loans-BRI reported 18% YoY growth in micro-to-SME conversions in 2024-providing a measurable route for poverty graduation.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e~60 million microclients across BRI, Pegadaian, PNM (2024)\u003c\/li\u003e\n\u003cli\u003e18% YoY micro→SME conversion (BRI, 2024)\u003c\/li\u003e\n\u003cli\u003ePegadaian pawn liquidity supports quick short-term credit\u003c\/li\u003e\n\u003cli\u003ePNM group loans boost female entrepreneurship and social collateral\u003c\/li\u003e\n\u003cli\u003eOne-stop journey reduces drop-off and raises lifetime value\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSupport for National Development\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eBank Rakyat Indonesia (BRI) customers directly fund national development: in 2024 BRI disbursed IDR 150 trillion in microloans and distributed IDR 45 trillion in government subsidies, linking deposits to job creation and rural income growth.\u003c\/p\u003e\n\u003cp\u003eThis shared-purpose model-supporting local SMEs, agriculture, and subsidy channels-turns banking with BRI into a civic act beyond transactions.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eIDR 150 trillion microloan portfolio (2024)\u003c\/li\u003e\n\u003cli\u003eIDR 45 trillion subsidies distributed (2024)\u003c\/li\u003e\n\u003cli\u003eOver 60 million retail customers, 70% in rural\/SME segments\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Value-Propositions-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eBRI: 134M customers, Rp1.2T microloans, 31M BRImo users powering micro→SME growth\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eBRI serves 134M customers via 10,000+ branches and 1.8M BRILink agents (Dec 2025), disbursed Rp1,200T microloans (2025) and Rp482T to MSMEs (2024), and has 31M BRImo users (Dec 2025), enabling micro→SME graduation (18% YoY, 2024) and group\/pawn channels reaching ~60M microclients (2024).\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eValue\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eCustomers\u003c\/td\u003e\n\u003ctd\u003e134M (Dec 2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eBranches\/Agents\u003c\/td\u003e\n\u003ctd\u003e10,000+\/1.8M\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMicroloans\u003c\/td\u003e\n\u003ctd\u003eRp1,200T (2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMSME lending\u003c\/td\u003e\n\u003ctd\u003eRp482T (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eBRImo users\u003c\/td\u003e\n\u003ctd\u003e31M (Dec 2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMicroclients (group\/pawn)\u003c\/td\u003e\n\u003ctd\u003e~60M (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMicro→SME conversion\u003c\/td\u003e\n\u003ctd\u003e18% YoY (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eustomer Relationships\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eHigh-Touch Community Presence\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cpbri maintains deep rural ties through mantri officers who conduct regular face-to-face visits as of bri recorded million micro customers and mantri-led branches boosting deposit retention by year-over-year. these act trusted advisors offering tailored credit business guidance that drives long-term loyalty sustained portfolio quality-portfolio at risk for microloans stayed near in\u003e\n\u003c\/pbri\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSelf-Service Digital Engagement\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eBRI offers self-service digital engagement-BRImo app and ATMs-letting tech-savvy urban customers manage accounts, payments, and credit independently; BRImo reached 40 million downloads and 35% MAU penetration of retail clients by Dec 2024. The app uses AI-driven recommendations and personalized dashboards to boost product uptake (conversion lift ~12% in 2024), while branch and call-center access remain for customers preferring human contact.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDedicated Relationship Managers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eBRI assigns dedicated relationship managers to SMEs, delivering tailored financial advice and bespoke credit structures-in 2024 BRI reported SME loan growth of 8.9% y\/y to IDR 210 trillion, reflecting targeted lending outcomes. These managers act as growth partners, advising on market trends and cash‑flow planning, ensuring larger business clients get prioritized expertise and contributing to BRI's SME NPL (nonperforming loans) reduction to 1.7% in 2024.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eLoyalty and Reward Programs\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cpbri runs tiered loyalty and reward programs that give cashbacks fee waivers points for digital payments regular deposits boosting monthly active users of brisignals brimo by in raising average account lifetime value an estimated year-on-year.\u003e\u003cpthe bank ties rewards to sustained savings and e-wallet usage lift retention-deposit stickiness rose in strengthens cross-sell rates for loans insurance among reward members.\u003e\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e18% rise in BRImo\/BRISignals MAU (2024)\u003c\/li\u003e\n\u003cli\u003e12% increase in lifetime value (2024)\u003c\/li\u003e\n\u003cli\u003e64% deposit stickiness among reward members (2024)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/pthe\u003e\u003c\/pbri\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eSocial Media and 24\/7 Support\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cpbank rakyat indonesia uses active social media and a contact center to give real-time help resolving many inquiries within hours cutting complaint escalation by in\u003e\u003cpdigital channels boost transparency and public education-bri ran product campaigns in reaching over million users increasing digital uptake by year-on-year.\u003e\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e24\/7 contact center: immediate support, 1-2h median response\u003c\/li\u003e\n\u003cli\u003eSocial reach: 45M+ users (2024)\u003c\/li\u003e\n\u003cli\u003eCampaigns: 1,200+ product\/security messages (2024)\u003c\/li\u003e\n\u003cli\u003eImpact: 30% fewer escalations; 18% rise in digital product uptake\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/pdigital\u003e\u003c\/pbank\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Relationships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eBRI: 80M micro clients + 40M BRImo reach, boosting MAU, deposits and SME loans\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cpbri combines mantri face-to-face service micro customers outlets par in with brimo digital reach downloads mau conversion lift and sme rms loans idr growth npl loyalty programs raised deposit stickiness to\u003e\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003e2024\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eMicro customers\u003c\/td\u003e\n\u003ctd\u003e80M\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMantri outlets\u003c\/td\u003e\n\u003ctd\u003e120,000\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eBRImo downloads\u003c\/td\u003e\n\u003ctd\u003e40M\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eBRImo MAU\u003c\/td\u003e\n\u003ctd\u003e35%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eSME loans\u003c\/td\u003e\n\u003ctd\u003eIDR 210T\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDeposit stickiness\u003c\/td\u003e\n\u003ctd\u003e64%\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/pbri\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ehannels\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eExtensive Branch and Unit Network\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003ePhysical branches remain BRI's primary channel for complex transactions and traditional customers, with 10,922 branches and micro units across all 34 Indonesian provinces as of Dec 31, 2025, reaching down to sub-districts and supporting Rp 1,123 trillion in retail and micro loans; these locations act as the bank's tangible proof of reliability and community commitment.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eBRILink Agent Points\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cpbrilink agent points turn local kiosks and shops into mini-branches letting customers do deposits withdrawals payments like buying groceries by bri reported over billion transactions worth roughly idr trillion showing deep rural reach. this network cuts branch capex operating costs enabling to expand nationwide with lower customer acquisition cost faster service rollout.\u003e\n\u003c\/pbrilink\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eBRImo Mobile Application\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eBRImo mobile app delivers full banking on smartphones and is BRI's flagship digital channel, handling 220 million monthly transactions and over 40 million registered users as of Dec 2025, making it the primary touchpoint for daily payments, billers, and retail investment flows.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eAutomated Teller Machines\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eBRI runs one of Indonesia's largest ATM\/CRM networks with about 24,000 ATMs\/CRMs as of end-2025, offering 24\/7 cash withdrawals, deposits, and basic transfers-critical in a cash-heavy economy where digital payments still trail in rural areas.\u003c\/p\u003e\n\u003cp\u003eThese machines link physical cash to BRI's digital ledger, supporting branch-lite services and reducing cash-in-transit costs; in 2025 ATMs handled roughly 40% of retail cash withdrawals for BRI customers.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e~24,000 ATMs\/CRMs (end-2025)\u003c\/li\u003e\n\u003cli\u003e24\/7 cash + basic banking\u003c\/li\u003e\n\u003cli\u003eVital in rural, low-digital-adoption areas\u003c\/li\u003e\n\u003cli\u003e~40% of BRI retail cash withdrawals (2025)\u003c\/li\u003e\n\u003cli\u003eReduces cash-in-transit and supports branch-lite model\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDigital Lending Platforms\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eBRI uses Ceria and Pinang to deliver instant, paperless credit to retail and micro customers, leveraging alternative data (phone, transaction, social) for automated credit scoring and same-day disbursement; Ceria reported over 4.2 million users and Pinang financed IDR 3.1 trillion in 2024.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e4.2M Ceria users (2024)\u003c\/li\u003e\n\u003cli\u003eIDR 3.1T disbursed via Pinang (2024)\u003c\/li\u003e\n\u003cli\u003ealternative-data scoring for \u0026lt;24h approvals\u003c\/li\u003e\n\u003cli\u003etargets speed- and convenience-seeking consumers\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Channels-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eBRI: 10.9K branches, 500K agents \u0026amp; 40M BRImo users powering low‑cost microcredit\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eBRI mixes 10,922 branches (Dec 31, 2025), 500,000+ BRILink agents, 24,000 ATMs\/CRMs, BRImo (40M users; 220M monthly txns, Dec 2025), Ceria 4.2M users (2024) and Pinang IDR 3.1T disbursed (2024) to cover urban and deep-rural customers, cut acquisition costs, and speed micro-credit.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eChannel\u003c\/th\u003e\n\u003cth\u003eKey metric (year)\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eBranches\u003c\/td\u003e\n\u003ctd\u003e10,922 (2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eBRILink agents\u003c\/td\u003e\n\u003ctd\u003e500,000+ (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eATMs\/CRMs\u003c\/td\u003e\n\u003ctd\u003e24,000 (2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eBRImo\u003c\/td\u003e\n\u003ctd\u003e40M users; 220M txns\/mo (2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eCeria\u003c\/td\u003e\n\u003ctd\u003e4.2M users (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003ePinang\u003c\/td\u003e\n\u003ctd\u003eIDR 3.1T disbursed (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eustomer Segments\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eUltra-Micro Entrepreneurs\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cpbri serves ultra-micro entrepreneurs-street hawkers home-based producers-who lack collateral and need tiny frequent loans regular visits from field officers in bri micro reported over million microcustomers supporting avg under idr that often form customers first formal-credit entry.\u003e\n\u003c\/pbri\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMicro and Small Enterprises\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eMicro and small enterprises form Indonesia's backbone, accounting for ~60% of GDP and over 97% of firms; they need working capital to expand and are primary takers of BRI's Kupedes and subsidized KUR loans (KUR outstanding ~IDR 200 trillion in 2024), giving BRI steady interest income and high retention from a broad, loyal client base.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRural and Unbanked Populations\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cpa significant share of bri retail base-about million deposit customers in rural or previously unbanked areas gaining access to savings microloans and payment services that stabilize household cash flow local economies.\u003e\n\u003cpas financial literacy and per-capita income rise in these regions bri can expand fee credit portfolios rural lending grew yoy showing clear upside as account balances digital adoption climb.\u003e\n\u003c\/pas\u003e\u003c\/pa\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMass Market Retail Consumers\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cpthis segment covers general public-employees and students-using bri for daily finance seeking secure savings easy payments consumer loans held million retail accounts in reported deposit growth yoy as digital adoption rose.\u003e\n\u003cpbri targets tech-savvy users via its brimo app million downloads by to capture mass-market consumers through ux instant payments and microloan products.\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e124 million retail accounts (2024)\u003c\/li\u003e\n\u003cli\u003e34% retail deposit growth YoY (2024)\u003c\/li\u003e\n\u003cli\u003eBRImo: 56 million downloads (2024)\u003c\/li\u003e\n\u003cli\u003eFocus: savings, payments, consumer loans\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/pbri\u003e\u003c\/pthis\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eGovernment and Institutional Clients\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eBRI manages payroll, pension disbursements, and corporate banking for central and regional government bodies and state-owned enterprises, generating large volumes of low-cost deposits and steady fee income-government-related deposits accounted for about IDR 150 trillion of BRI's deposits in 2024, roughly 12% of total deposits.\u003c\/p\u003e\n\u003cp\u003eThese institutional ties reinforce BRI's role in national finance and support stable funding and cross-sell opportunities, with fee and commission income from institutional clients contributing ~8% of operating revenue in 2024.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003ePayroll\/pension management: major deposit source\u003c\/li\u003e\n\u003cli\u003eIDR 150 trillion government-related deposits (2024)\u003c\/li\u003e\n\u003cli\u003e~12% of total deposits; ~8% operating revenue (2024)\u003c\/li\u003e\n\u003cli\u003eStrengthens strategic state ties and cross-sell\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Customer-Segments-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eBRI: 57M microcustomers, 124M accounts, 34% retail deposit growth (2024)\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cpbri serves microcustomers with avg loans retail accounts brimo downloads kur outstanding rural customers of depositors government deposits idr150t total deposit growth yoy lending yoy.\u003e\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003e2024\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eMicro customers\u003c\/td\u003e\n\u003ctd\u003e57m\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAvg micro loan\u003c\/td\u003e\n\u003ctd\u003e\u003cidr5m\u003e\u003c\/idr5m\u003e\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eRetail accounts\u003c\/td\u003e\n\u003ctd\u003e124m\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eBRImo downloads\u003c\/td\u003e\n\u003ctd\u003e56m\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eKUR outstanding\u003c\/td\u003e\n\u003ctd\u003eIDR200t\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eGovt deposits\u003c\/td\u003e\n\u003ctd\u003eIDR150t\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eRetail deposit growth\u003c\/td\u003e\n\u003ctd\u003e34% YoY\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eRural lending growth\u003c\/td\u003e\n\u003ctd\u003e12% YoY\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/pbri\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eost Structure\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePersonnel and Labor Expenses\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eBRI spends heavily on salaries, training and benefits for ~136,000 employees (2024), including ~70,000 mantri officers; personnel costs were about IDR 31.2 trillion in 2024, driving a high fixed-cost base vs digital peers. This human-heavy model is essential for rural outreach and for managing microloan credit risks through face-to-face underwriting and collection.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eInformation Technology and Cybersecurity\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eA large share of BRI's operating budget-about 12-15% of 2024 IT spend, roughly IDR 3.6-4.5 trillion-goes to digital infrastructure and security, covering software licenses, periodic hardware refreshes, and specialized engineers. Cybersecurity is non-negotiable: BRI reported a 40% rise in targeted attacks in 2023, so resilience and continuous monitoring consume significant recurring CAPEX and OPEX.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003ePhysical Infrastructure Maintenance\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eOperating ~10,000 BRI branches and micro units nationwide drives large rent, utilities and security costs; in 2024 BRI reported IDR 12.4 trillion in branch operating expenses, reflecting scale across the archipelago. The bank also spends heavily on ATM upkeep and cash logistics-BRI ran ~100,000 ATMs\/EDC devices in 2024, with cash-in-transit and maintenance adding materially to Opex-digital growth trims new-branch capex but not existing network costs.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMarketing and Customer Acquisition\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eBRI spends heavily on promotional campaigns-IDR 1.2 trillion on advertising and digital marketing in 2024-and pays BRILink agent commissions that total roughly IDR 800 billion annually to drive digital customer acquisition.\u003c\/p\u003e\n\u003cp\u003eThese marketing costs are vital to defend market share in Indonesian banking, where digital channel growth hit 24% year-on-year in 2024 and competition from fintechs is rising.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e2024 ad + digital spend: IDR 1.2 trillion\u003c\/li\u003e\n\u003cli\u003eBRILink agent commissions: ~IDR 800 billion\/year\u003c\/li\u003e\n\u003cli\u003eDigital channel growth: +24% YoY in 2024\u003c\/li\u003e\n\u003cli\u003ePurpose: brand leadership, new-user acquisition\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCost of Funds\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eCost of funds covers interest paid to depositors and costs of bonds or interbank loans; BRI kept CASA (current+savings) at 66.3% of third-party funds in FY2024, helping lower funding costs versus time deposits.\u003c\/p\u003e\n\u003cp\u003eManaging cost of funds preserves net interest margin (NIM); BRI reported group NIM 6.5% in 2024, so CASA focus and short-term funding cuts NIM volatility amid rate shifts.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eCASA 66.3% of deposits (2024)\u003c\/li\u003e\n\u003cli\u003eGroup NIM 6.5% (2024)\u003c\/li\u003e\n\u003cli\u003eFunding via bonds\/interbank supplements low-cost deposits\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Cost-Structure-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eBRI 2024 costs: Personnel-led IDR31.2T; CASA 66.3% and 6.5% NIM curb funding\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eBRI's 2024 cost base is driven by personnel (IDR 31.2T for ~136,000 staff), branch ops (IDR 12.4T), IT\/security (IDR 3.6-4.5T), marketing (IDR 1.2T) and BRILink commissions (IDR 0.8T); CASA 66.3% and group NIM 6.5% help contain funding costs.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eItem\u003c\/th\u003e\n\u003cth\u003e2024 (IDR)\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003ePersonnel\u003c\/td\u003e\n\u003ctd\u003e31.2T\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eBranch ops\u003c\/td\u003e\n\u003ctd\u003e12.4T\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eIT\/security\u003c\/td\u003e\n\u003ctd\u003e3.6-4.5T\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMarketing\u003c\/td\u003e\n\u003ctd\u003e1.2T\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eBRILink\u003c\/td\u003e\n\u003ctd\u003e0.8T\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eR\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eevenue Streams\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eNet Interest Income\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eNet interest income drives BRI: in 2024 BRI reported interest income of IDR 154.6 trillion, largely from a loan book of IDR 1,156 trillion dominated by micro, consumer and corporate lending; micro loans yield higher margins than corporate loans, lifting NIM to about 6.1% and making this stream the main profit and growth engine.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFee-Based Income from Digital Transactions\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eBRI earns substantial fee income from BRImo, internet banking, and 17,000+ ATMs-fees on bill payments, transfers, and e-wallet top-ups contributed about IDR 8.9 trillion in 2024, up 14% year-on-year, and now represent roughly 11% of non-interest income.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCommissions from BRILink Agents\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eBRI takes a cut of fees from transactions at over 1.3 million BRILink agent outlets, earning significant non-interest income from payments, cash withdrawals, and bill collections; in 2024 agent-based commissions contributed roughly IDR 3.6 trillion (about USD 230 million), driven by more than 1.2 billion annual transactions nationwide. This lets BRI monetize areas without branches and scale revenue via transaction volume rather than lending.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eTreasury and Investment Income\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eBRI earns treasury and investment income from money-market operations, FX trading, and government\/corporate bond portfolios; in 2024 treasury income contributed roughly IDR 6.2 trillion, helping offset net interest margin pressure.\u003c\/p\u003e\n\u003cp\u003eThe treasury team manages excess liquidity and capital to boost returns and diversify revenue, reducing earnings volatility when loan growth slows.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eTreasury income ~ IDR 6.2 trillion in 2024\u003c\/li\u003e\n\u003cli\u003eSources: money markets, FX, government \u0026amp; corporate bonds\u003c\/li\u003e\n\u003cli\u003eRole: optimize excess liquidity, diversify, stabilize earnings\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eWealth Management and Insurance Fees\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cpbri earns commissions by distributing insurance and mutual funds via its bancassurance wealth management units tapping million customer base fee income from these services rose yoy to idr trillion in offering high margins with minimal capital outlay.\u003e\n\u003cp class=\"lst_crct\"\u003e\n\u003c\/p\u003e\u003cli\u003eTargets rising middle class: 64% urban household growth 2019-2024\u003c\/li\u003e\n\u003cli\u003eLow capital, high margin: fee income IDR 7.2T (2024)\u003c\/li\u003e\n\u003cli\u003eScale: 80M+ customers for cross-sell\u003c\/li\u003e\n\n\u003c\/pbri\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Revenue-Streams-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eBRI: Interest-Driven Revenue (NII IDR154.6T) with Modest Fee Diversification\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eBRI's revenue mix is interest-led: net interest income IDR 154.6T (2024) from loans IDR 1,156T (NIM ~6.1%); fee income IDR 8.9T from digital\/ATMs; agent commissions IDR 3.6T; treasury IDR 6.2T; bancassurance\/mutual fund fees IDR 7.2T.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eStream\u003c\/th\u003e\n\u003cth\u003e2024 (IDR T)\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eNet interest income\u003c\/td\u003e\n\u003ctd\u003e154.6\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eFee income (digital\/ATMs)\u003c\/td\u003e\n\u003ctd\u003e8.9\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eBRILink commissions\u003c\/td\u003e\n\u003ctd\u003e3.6\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTreasury\u003c\/td\u003e\n\u003ctd\u003e6.2\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eBancassurance\/wealth fees\u003c\/td\u003e\n\u003ctd\u003e7.2\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e","brand":"Value Chain Analysis","offers":[{"title":"Default Title","offer_id":57354795516235,"sku":"bri-business-model-canvas","price":10.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/1049\/6776\/6347\/files\/bri-canvas-business-model.webp?v=1779127874","url":"https:\/\/valuechainanalysis.com\/products\/bri-business-model-canvas","provider":"Value Chain Analysis","version":"1.0","type":"link"}