bri microbanking
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MICROBANKING PERSPECTIVE
PovertyPoverty
AlleviationAlleviation Poor peoplePoor people
Low incomeLack of educationOperate microenterpriseFamily based activities
FinancingSaving & DepositPayments systemRemittanceInsurance
Income generatingFinancial accessOpportunitiesProsperityEmpowerment
FinancialFinancial
IntermediariesIntermediaries
( !!!!)!*#+#+!
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BANK RAKYAT INDONESIAThe oldest commercial bank in Indonesia, founded in 1895 withlongstanding experience in financing Micro, Small & Medium
Enterprises (MSME)
%%,%%,
Micro&Retail
Business
Medium Size
Business
Credit Risk
Management
4,229 BRI Units
133 Service Posts
EconomicGrowth &
Prosperity
Treasury &
International
Micro
330 BRI Branches
207 Sub Branches
27 Syariah Branches
Operational Compliance
SmallMedium
andLarge
2 BRI
Offshore
Branch/
Rep. Office
Rp 25,000 -Rp 100 Million
< Rp 5 Billion Med. -Rp 5 Billion - 50 BillionLarge -Rp 50Billion max 20% x BRI Capital
Consumer
Business
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Financial PerformanceFinancial Performance
!"#$% &'(!%) "
*!# % &'(%$ +"
KUPEDES TREND 1984 - 2006
0
2000
4000
6000
8000
10000
12000
14000
Year
1984
1985
1986
1987
1988
1989
1990
1991
1992
1993
1994
1995
1996
1997
1998
1999
2000
2002
2004
Million
KUPEDES CLIENTS
0
500
1,000
1,500
2,000
2,500
3,000
3,500
1984198519861987198819891990199119921993199419951996199719981999200020022004
Thousand
!",)%
-!,)%.
BANK RAKYAT INDONESIA
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Deposits PerformanceDeposits Performance
2000
4000
6000
8000
10000
12000
14000
16000
18000
Million
Rural Saving Rp 33.8 trillion (US$ 3.7 billion)
Urban Saving Rp 1.1 tirllion (US$ 122 million)
Time Deposit Rp 3.6 trillion (US$ 420million)
/ 0'#)%1 &'(%)"
/ 0)%
BANK RAKYAT INDONESIA
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MICRO BUSINESSBRI Unit 4,229 (1,086 connected online)Village Post (PPD) 133
SMALL BUSINESSBranches (fully online banking) 330Sub Branches (fully on line banking) 207
BRI ATM Network 977Shared ATM network 5,584ATM Himbara (state owned bank) 5,008
ATM Prima 4,778
Shariah branch 27
MEDIUM BUSINESSHead Office 1
Regional Offices 14
BRIBRI NetworkNetwork
BANK RAKYAT INDONESIA
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!!
$%- #*
/ !
/ /
/ !
/ / .
*
/ !/ %
/ %!
BANK RAKYAT INDONESIA
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BRI NetworkBRI NetworkMICRO BUSINESSBRI Unit 4,219Village Post (PPD) 127SMALL BUSINESS
Branches 325Sub Branches 185BRI ATM Network 982Shared ATM network 5,584ATM Himbara (state owned bank) 5,008ATM Prima 4,778Shariah branch 25MEDIUM BUSINESSHead Office 1
Regional Offices 14
/ .#*/!$
/ %#*$#*
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The BRI-IVP(International Visitor Program)
www.ivpbri.com
Email: [email protected]
THANK YOU
Best Microfinance specialist on:
Microfinance Study visit
Microfinance Training, in house training
Microfinance Technical assistance
Microfinance Consultancy
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$%$%--$,.01$,.011. Poverty Alleviation Program
Below the poverty line:/ .+#289
/ 2:4/ ;,2;--+%
/
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3. Microbanking
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