Escolar Documentos
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Cultura Documentos
MISI BRI
1. Melakukan kegiatan perbankan yang terbaik dengan mengutamakan
73% 83.63% 91%
pelayanan kepada segmen mikro, kecil dan menengah untuk menunjang
peningkatan ekonomi masyarakat.
2. Memberikan pelayanan prima dengan fokus kepada nasabah melalui; a) SDM
yang profesional dan memiliki budaya berbasis kinerja (performance driven 100,00%
culture); b) Teknologi informasi yang handal dan future ready; c) Jaringan kerja
99%
konvensional maupun digital yang produktif dengan menerapkan prinsip
operasional dan risk management excellent.
3. Memberikan keuntungan dan manfaat yang optimal kepada stakeholders
dengan memperhatikan prinsip keuangan berkelanjutan dan praktik GCG yang
baik.
2
Keunggulan
4
Networks
9.990 328.372
Outlets E-Channel
1 KANTOR PUSAT 22.802 ATM
19 KANTOR WILAYAH 302.921 EDC
468 KANTOR CABANG 2.592 CRM
610 KANTOR CABANG PEMBANTU 57 E-BUZZ 244,363 Agen BRILink
5.382 BRI UNIT
989 KANTOR KAS
2.261 TERAS BRI
260 TERAS BRI KELILING
3 TERAS KAPAL
IDR 3,640
IDR 3,280
2017
IDR 960 Harga Saham
6
Where we are now ?
Pada 23 Agustus 2018, Market Cap BRI tercatat sebesar
sebesar $27.23 Miliar atau peringkat ke 5 di Asia Tenggara.
61
South East Asia Market Cap
2017 Aug 2018 As of 23 August 2018 (USD Billion)
BRI Ranked 4 BRI Ranked 5
51
2015
BRI Ranked 5
2016 Bank Market Cap Ranking
2014 BRI Ranked 5
BRI Ranked 6 DBS 47.62 1
41 BCA 41.46 2
DBS
2012
BRI Ranked 9
2013
BRI Ranked 9 OCBC 34.34 3
BBCA
OCBC
UOB 33.18 4
31
UOB
BBRI
BRI 27.23 5
MAY Maybank 26.10 6
21 BMRI Public BHD 23.46 7
PBK
Mandiri 21.85 8
11
1
5/2/2012
7/2/2012
3/2/2013
5/2/2013
3/2/2014
1/2/2016
5/2/2017
7/2/2017
3/2/2018
5/2/2018
7/2/2018
1/2/2012
3/2/2012
9/2/2012
1/2/2013
7/2/2013
9/2/2013
1/2/2014
5/2/2014
7/2/2014
9/2/2014
1/2/2015
3/2/2015
5/2/2015
7/2/2015
9/2/2015
3/2/2016
5/2/2016
7/2/2016
9/2/2016
1/2/2017
3/2/2017
9/2/2017
1/2/2018
11/2/2015
11/2/2012
11/2/2013
11/2/2014
11/2/2016
11/2/2017
-9
7
* Sumber: Bloomberg DBS BBCA OCBC UOB BBRI MAY BMRI PBK KBANK SCB
WAI (Wealth Added Index)
8
Financial Highlights
1Q'17 1H'17 9Mo'17 2017 1Q'18 1H'18 ∆ YoY ∆ QoQ
Aset/Liabilitas
Total Aset (Rp Miliar) 954,176 983,518 993,101 1,076,438 1,064,732 1,097,368 11.6% 3.1%
Total Kredit (Gross) (Rp Miliar) 653,093 658,864 664,510 708,001 724,481 758,952 15.2% 4.8%
Total Simpanan (Rp Miliar) 701,170 734,071 735,147 803,327 785,269 796,639 8.5% 1.4%
Kualitas Aset
NPL (gross) 2.16% 2.23% 2.23% 2.10% 2.39% 2.33%
NPL (nett) 1.22% 1.16% 1.06% 0.88% 1.16% 1.10%
Likuiditas
LDR 93.15% 89.76% 90.39% 88.13% 92.26% 95.27%
CASA 56.63% 57.62% 56.98% 60.65% 57.61% 59.51%
Profitabilitas
Laba Bersih (Rp Miliar) 6,475 13,135 20,119 28,469 7,152 14,555 10.8% 3.5%
Cost of Fund (CoF) 3.74% 3.43% 3.47% 3.27% 3.30% 3.33%
NIM 7.79% 8.02% 8.01% 7.93% 7.49% 7.64%
ROE Tier 1 18.77% 19.12% 19.27% 20.03% 18.70% 19.33%
ROE B/S 17.65% 17.94% 18.03% 18.72% 17.37% 17.87%
ROA before tax 3.34% 3.31% 3.34% 3.69% 3.35% 3.37%
Cost Efficiency Ratio (CER) 37.41% 39.93% 40.16% 41.15% 38.72% 40.52%
BOPO 71.46% 72.33% 72.07% 69.14% 70.43% 70.50%
Capital
Tier1 CAR 19.91% 20.68% 21.17% 21.95% 19.76% 19.14%
Total CAR 20.89% 21.67% 22.17% 22.96% 20.74% 20.13%
19.99% 20.52%
14.67% 15.26% 14.55% 14.76%
ROA ROE
BRI Industri BRI Industri
2,73% 2.43% 17,87% 16.82%
CAR
BRI Industri
20,13% 22.01%
11
* Angka bank saja
Portofolio Bisnis Pinjaman
Pertumbuhan Pinjaman– per segmen Komposisi Pinjaman– per segmen (%)
Loans Outstanding - by business segment
Micro Consumer Small Commercial Medium
(Rp Triliun)SoE
Corporate Non-SoE Total Loan
759.0
Jun’17 Jun’18
724.5
708.0
664.5 106.6
653.1 658.9
97.1 91.0 BUMN,
96.4 86.3 13
85.8 85.0
82.0
83.0
74.4 22.6 23.4
75.7 Mikro,
78.0 23.8
23.0 23.0 Korporasi , 34.3
21.5 161.9 12.6
156.2
150.0
141.3 143.4 Menengah,
136.6
3.4
NPL Coverage
33,900
29,062
28,860
21,944
17,030
15,072
15,785
11,267
12,883
14,863
14,690
17,684
6,654
8,271
701.2
734.1 735.1 Jun’17 Jun’18
316.1 322.6
332.9
311.1 316.2
304.1
Rp 311.1 T Rp 322.6 T
Rp 322.6 T
42% 40%
Rp 422.9 T Rp 47440%
T
Rp 474 T
342.8 336.2 58% 60%
294.2 325.8 60%
284.5 303.3
1Q'17 1H'17 9M'17 2017 1Q'18 1H'18 Dana Murah Dana Mahal
Dana Murah Dana Mahal Dana Murah Dana Mahal
Deposito
Time Deposit Tab
Saving Giro Deposit
Demand TOTAL
Deposit AdmDeposit
Deposit
Fee AdmAdm
Fee
Deposit
FeeE-Banking
Adm FeeE-Banking
E-Banking
Related Related
Fee Related
E-Banking
FeeLoan
Fee
Related
Adm Loan
Fee
Fee Loan
AdmAdm
Fee Fee
Loan Adm
Int'l Fee Int'lRelated
Business Business
Int'l Business
Related
Fee Int'lRelated
Business
Fee Fee
Related Fee
Credit CardCredit CardCardCreditPayment
Credit Card Service
Payment
Payment
Service
Service Others
Payment ServiceOthers
Others Others
© 2017 Investor
* Angka bank sajaRelations Note: Numbers stated in this page are bank only 15
Digitalize to get close ties..
E-Channel
BRI Mobile – Internet Banking, Mobile Banking and SMS Banking
Fitur Mobile Banking
Info & Pembayaran Tagihan Telpon, Listrik, Angsuran
Transfer Sesama Rekening BRI dan Antar Bank
“ Layanan perbankan Pembayaran Kartu Kredit
elektronik yang Isi Ulang: Pulsa, Go-Pay, PLN
memungkinkan nasabah Pembayaran Tiket
BRI melakukan transaksi Pembayaran Pendidikan/Kuliah
perbankan melalui
telepon selular
menggunakan media SMS Aplikasi Mobile Banking BRI
dengan nomor tujuan
Pengguna Smartphone
(short code) 3300 untuk Aplikasi Mobile Banking dapat diperoleh dengan men-
semua jenis handphone download aplikasi di masing-masing market
dan semua operator Smartphone (Google Play untuk Android, Appstore
telekomunikasi.” untuk Iphone, Windows Market untuk windows phone)
17
Uang Elektronik
Cara Bertransaksi
Mengunjungi web merchant toko online yang telah
bekerja sama dengan e-Pay BRI.
Transaksi pada web merchant
Pilih Metode Pembayaran menggunakan e-Pay BRI
Masukkan user id dan password Internet Banking
Apabila user id dan password benar halaman konfirmasi
pembayaran BRI segera muncul yang berisi informasi
data transaksi dan meminta konfirmasi pembayaran
Konfirmasi dilakukan dengan memasukkan password dan
paycode (dikirim ke nomor handphone terdaftar , secara
otomatis saat masuk ke halaman konfirmasi)
Bukti transaksi dapat dicetak atau tunggu konfirmasi
merchant melalui sms atau email
19
Digital Partnership Model – Open API
22
BRILink
Jumlah Agen BRILink
# agent
(dalam ribuan)
“ BRILink adalah 280 281
135.1% YoY
sharing “
Syarat menjadi Agen BRILink :
1. Perseorangan / Instansi non berbadan hukum
1H'17 9M'17 2017 1Q'18 1H'17 1H'18
2. Memiliki Usaha Min 2 Tahun
3. Memiliki rekening simpanan berkartu di BRI (menyetor Fitur
uang jaminan sebesar Rp. 3.000.000,-) dan saldo
tersebut diblokir selama menjadi agen, atau; Tunai Mini ATM Tbank
4. Memiliki rekening pinjaman di BRI (tanpa harus - Setoran Pinjaman - Pembayaran - Cash In
menyetor uang jaminan) dengan kolektibilitas Lancar - Setoran Simpanan - Isi Ulang Pulsa - Cash Out
selama 6 bulan terakhir. - Tarik Tunai - Registrasi - Reprint
5. Memiliki surat keterangan usaha (sekurang-kurangnya - Informasi - Report
- Void Tarik Tunai
dari perangkat desa) - Transfer
- Reprint
6. Belum menjadi Agen dari Bank penyelenggara Laku - Report
Pandai
23
Tanggung Jawab Sosial Perusahaan
Tanggung Jawab Sosial Perusahaan
25
Realisasi Program BRI Peduli 2017
Sembako Gratis
26
BRI Awards
Forbes
The World’s Biggest Companies 2017
SWA ASEAN Best Public Companies
MarkPlus. INC
27
FUTURE STRATEGY
Corporate Plan (2018-2022)
1,004
1,126 1,027
1,153 Industri 8.79%
802 878
626
BRI 12.3%
Total Deposits
Total Simpanan (IDR Billion)
(Rp Miliar)
Industri 7.0%
841.7 838.0
768.0
622.3 669.0
754.5
BRI 9.1%
504.3
26.2 29.0
24.2 25.4
21.4
13.4 14.9
2013 2014 2015 2016 2017 1H'17 1H'18 2013 2014 2015 2016 2017 1H'17 1H'18
LDR
LDR BOPO BOPO
73.34%
71.97%
70.74%
70.22%
67.59%
66.43%
94.80%
88.91% 87.93% 87.80% 89.60%
86.86% 61.47%
82.06%
2013 2014 2015 2016 2017 1H'17 1H'18 2013 2014 2015 2016 2017 1H'17 1H'18
33
Dewan Direksi
Suprajarto
Direktur Utama
34
Dewan Komisaris
Andrinof A. Chaniago
Komisaris Utama/
Komisaris Independen
Gatot Trihargo A. Sony Keraf
Wakil Komisaris Utama Komisaris Independen
Disclaimer ; this report has been prepared by PT bank Rakyat Indonesia (Persero) Tbk (Bank BRI) independently and is circulated for the purpose of general information only. It is not intended to the specific person who may receive this report.
The information in this report has been obtained from sources which we deem reliable. No warranty (expressed or implied) is made to the accuracy or completeness of the information. All opinions and estimations included in this report
constitute our judgment as of this date and are subject to change without prior notice. We disclaim any responsibility or liability without prior notice of Bank BRI and/or their respective employees and/or agents whatsoever arising which may
be brought against or suffered by any person as a result of acting in reliance upon the whole or any part of the contents of this report and neither Bank BRI and/or its affiliated companies and/or their respective employees and/or agents
© 2017
accepts Investor
liability Relations
for any errors, Note: Numbers stated in this page are bank only
omissions, negligent or otherwise. In this report and any inaccuracy herein or omission here from which might otherwise arise 37