public expose 2020...2020/08/25 · 6 bri senantiasa menciptakan “success stories” simpedes...

Public Expose 2020PT BANK RAKYAT INDONESIA (PERSERO) Tbk.

2

BRI AT A GLANCE

3

Corporate Plan (2018 – 2022)

The Most Valuable Bank in SEA& Home to The Best Talent

Micro SME Consumer Corporate SubsidiariesGrowing and

developing the micro business

Maintaining market

leadership in salary based loan & other

consumer loans

Becoming leading

SME Bank in Indonesia

Improving

profitability of the corporate banking

unit

Increasing

contributions from subsidiary

companies

Human CapitalImplementing

Performance Driven Culture

ITImproving IT

Capacity, and IT Governance

ChannelIncreasing efficiency

and productivity

RiskStrengthening risk

management culture

BRI Group

4

5

Mengapa Investasi di BBRI?

Pertimbangan Investor berinvestasi

di BBRI

Fokus Pada Segmen UMKM, khususnya Mikro

Digital Initiatives terdepan

Implementasi ESG yang terdepan (Environment, Social & Governance)

Customer base dan Jaringan Kerja terbesar di Indonesia didukung oleh

Permodalan yang Kuat

• Sesuai Core Competency bisnis BRI• Potensi pertumbuhan yang masih sangat tinggi

• Sebagai sumber baru pertumbuhan bisnis• Digitasi proses bisnis untuk meningkatkan efisiensi

• Memastikan sustainability bisnis perusahaan• Concern investor yang semakin tinggi terkait ESG risks

6

BRI Senantiasa Menciptakan “Success Stories”

SimpedesKupedes

1984

4 Jutadebitur Kupedes

71 Jutanasabah Simpedes

BRIGUNA

1989

1,7 Jutanasabah Briguna

Rp100 T

Kredit Usaha Rakyat

2009

5,6 Jutanasabah KUR

Rp73 T

BRILINK

2014

±400 ribu Agen> Rp500T Trx

AsuransiMikro

2014

± 4,8JutaPemegang Polis

BRISPOT

2018

MikroNext :

Small Comm

..nextsuccess stories ..

2019

PinangCeriaKECE

BRI Digital Loan

Product

2020 onwards..

•Ultra Micro Loans

•Micro payment ecosystem

2003 2007 2011 2015 2020

Kinerja Saham BBRI

7

Harga Saham BBRI & Kapitalisasi Pasar

BBRI terdaftar dalam beberapa indeks saham di Indonesia• JCI Index (Indeks Saham di Industri Keuangan)• LQ45 Index (Indeks 45 Saham yang paling Liquid)• SRI KEHATI Index (Indeks 25 perusahaan yang

mendukung keberagaman hayati)Market Cap meningkat 43,4x dari Rp12,35 T saat IPO menjadi Rp 516,7 T (25 Agustus 2020)

* Setelah stock split 1: 2 (Jan’11) dan 1 : 5 (Nov’17)

Rp 3.80025 Agustus 2020

Market Cap

Rp 516,7 TRp 87,5*

15 Jan 2003

Total Investor’s Value 69x

2015 2016

2017 2018

2019 Agustus 20205 5

4 43 3

Peringkat Market Cap BBRIdi Asia Tenggara

8

Peningkatan Investor Ritel saat Pandemi

43.446

122.208

116.856

177.936

204.126

239.171

259.198

256.788

Des-18 Des-19 Jan-20 Feb-20 Mar-20 Apr-20 Mei-20 Jun-20

Investor retail BRI mengalami tren kenaikan khususnya di tengah pandemic Covid-19 didorong oleh kesadaran masyarakat untuk berinvestasi utamanya ditengah krisis dan meningkatnya akses

ke pasar modal melalui online trading app dan perubahan perilaku masyarakat dengan menjadikan aktivitas

investasi/trading sebagai hiburan.

…Investor Retail BBRI Tumbuh Signifikan…

0,82%1,07%

1,48%

2,21%

Des-18 Des-19 Mar-20 Jun-20

…Kepemilikan Investor Retail BBRI Tumbuh Signifikan…

2,5 juta

(2019)

…Jumlah investor Pasar Modal juga mengalami tren kenaikan …..

1,6 juta

(2018)3,02 juta

(30 Juli 2020)

Source: Datindo

…the stay-at-home orders have left investors with more time on their hands and they are

turning to their portfolios as a means of amusement… (Forbes)

5,9x

1,9x

Pertumbuhan Investor Retail BRI vs JCI

(2018 – 2020)

BRI JCI

9

PROGRAM PEMULIHAN EKONOMI NASIONAL (PEN)

DAN STRATEGI BRI DI MASA PANDEMI

Dukungan terhadap PEN dan Benefit bagi BRI

*as of August 15th 202010

11

Fokus dan Strategi BRI

PEOPLE’S FIRST

SUSTAINABLEBUSINESS GROWTH

GOOD CORPORATE GOVERNANCE

Protokol Kesehatan

Work From Home

Optimalisasi Digital

• Sterilisasi seluruh premis • Vaksin untuk pekerja• Produk dan alat kesehatan untuk pekerja

(masker, hand-sanitizers, dan vitamins)

• Work From Home• Ruang kerja yang fleksible

• BRIStars: Digital office application• BRISpot: Digital loan processing• BRISIM: Daily monitoring Dashboard

Portofolio Kredit

• Pertumbuhan yang Selektif• Program restrukturisasi kredit

Aktivitas Market

• Menjaga reserve requirement, SR, LDR, RIM • Menjaga long position pada Net Foreign

Position• Menjaga Cash Ratio

GCG Implementation

Memastikan prinsip Good Corporate Governance tetap terimplementasi dengan baik

Restrukturisasi KreditBerdasarkan Segmen

46%

1%

6%

2%

45%

Micro Corp&SOE ConsumerMedium Small Comm.

18%

42%

15%

25%

Jakarta Java Ex. JakartaSumatra Mid & East

Restrukturisasi KreditBerdasarkan Wilayah

12

Dukungan BRI kepada Nasabah Selama Masa PandemiMelalui Restrukturisasi Kredit

Restrukturisasi Kredit dalam Rp Triliun

Jumlah Nasabah Restrukturisasi dalam Jutaan

Posisi JULY 31st 2020

14,9

101,2

160,5 171,9 183,7

14,9

86,3

59,3 11,4 11,8 1,7%

11,7%

18,6%19,8%

21,3%

0,0%

5,0%

10,0%

15,0%

20,0%

25,0%

-

20,0

40,0

60,0

80,0

100,0

120,0

140,0

160,0

180,0

200,0

Mar Apr May Jun Jul

Total Monthly % to Total Loan

0,13

1,41

2,642,82 2,95

0,13

1,28 1,22 0,19 0,13 1,1%

11,1%

20,7%22,2% 23,2%

0,0%

5,0%

10,0%

15,0%

20,0%

25,0%

0,00

0,50

1,00

1,50

2,00

2,50

3,00

3,50

Mar Apr May Jun Jul

Total Monthly % to Total Loan

“Tren restrukturisasi menurun seiring dengan pelonggaran PSBB dan kembalinya aktivitas ekonomi masyarakat”

13

Dukungan BRI untuk Pemulihan Usaha UMKM

14

BUSINESS UPDATE

15

Update Makro Ekonomi Indonesia

Source: BI

16

BRI vs Industri

Market Share

Source: SPI (Statistik Perbankan Indonesia) OJK and internal data

KREDIT SIMPANAN

Pertumbuhan

Kredit

BRI Industri

4,3% 3,1%

8,9%10,5%

N I M N P L

L D R

5,56% 2,76%

88,92%

C A R

19,09%

BRI Industri BRI Industri

BRI Industri BRI Industri

4,50% 3,00%

90,94% 22,20%

13,7%

14,5%

14,9%15,1%

15,3% 15,3%15,5%

13,0%

13,5%

14,0%

14,5%

15,0%

15,5%

16,0%

16,5%

2015 2016 2017 2018 2019 May'19 May'20

14,6%

15,0%15,2%

16,0%16,2%

15,5%15,7%

14,0%

14,5%

15,0%

15,5%

16,0%

16,5%

17,0%

2015 2016 2017 2018 2019 May'19 May'20

Mei 2020

Pertumbuhan

Simpanan

17

Financial Highlight (Consolidated)

IDR Billion

2015 2016 2017 2018 2019 1H'19 1H'20 g YoY

Asset/Liabilities

Total Assets (IDR Billion) 878.426 1.004.802 1.127.447 1.296.898 1.416.759 1.288.196 1.387.759 7,7%

Total Loans (Gross) (IDR Billion) 581.095 661.220 731.241 834.731 903.197 877.071 922.967 5,2%

Total Deposits (IDR Billion) 668.995 754.526 841.656 944.269 1.021.197 945.054 1.072.501 13,5%

Asset Quality

NPL (gross) 2,10% 2,11% 2,24% 2,28% 2,80% 2,52% 3,13%

NPL (nett) 1,15% 0,99% 1,04% 1,19% 1,31% 0,90%

Liquidity

CASA 57,82% 59,09% 59,04% 60,14% 57,70% 57,35% 55,81%

LDR 86,86% 87,63% 86,88% 88,40% 88,45% 92,81% 86,06%

Profitability

Net Profit (IDR Billion) 25.411 26.285 29.045 32.418 34.414 16.163 10.201 -36,9%

NIM 7,64% 7,83% 7,73% 7,22% 6,73% 6,79% 5,63%

Cost Efficiency Ratio (CER) 42,09% 42,27% 42,13% 41,90% 41,22% 42,79% 51,29%

Operating Expense to Operating Income 67,59% 70,23% 70,78% 70,02% 72,08% 73,23% 78,78%

ROA before tax 3,99% 3,67% 3,53% 3,51% 3,28% 3,09% 2,26%

ROE Tier 1 29,05% 21,87% 19,73% 20,04% 18,40% 17,79% 12,04%

Capital

Tier1 CAR 16,68% 21,54% 21,71% 20,18% 21,65% 19,90% 18,95%

Total CAR 20,39% 22,69% 22,84% 21,35% 22,77% 21,04% 20,06%

18

Fokus Tumbuh di Segmen UMKM

178,9 211,5 239,5 274,3 307,7 292,6 313,4

88,5100,2

114,6130,8

140,5 135,1 141,0

120,0

135,5

153,9

183,0

198,7190,3

195,6

21,2

18,1

19,9

18,3

21,519,5

20,0

68,5

77,2

77,4

91,0

93,891,3

97,4

81,2

92,8

97,1

101,4

97,4108,4

101,6

558,4

635,3

702,4

798,9

859,6837,2

869,0

0,0

100,0

200,0

300,0

400,0

500,0

600,0

700,0

800,0

900,0

1000,0

0,0

100,0

200,0

300,0

400,0

500,0

600,0

700,0

800,0

900,0

1000,0

2015 2016 2017 2018 2019 1H'19 1H'20

32,0 33,3 34,1 34,3 35,8 35,0 36,1

15,8 15,8 16,3 16,4 16,3 16,1 16,2

21,5 21,3 21,9 22,9 23,1 22,7 22,5

3,8 2,9 2,8 2,3 2,5 2,3 2,312,3 12,1 11,0 11,4 10,9 10,9 11,2

14,5 14,6 13,8 12,7 11,3 12,9 11,7

-

20,0

40,0

60,0

80,0

100,0

120,0

2015 2016 2017 2018 2019 1H'19 1H'20

7,1YoY Growth ( % ) 4,3 2,8 3,0 6,6 -6,2 3,8(Rp Tn) 20,8 5,9 5,3 0,6 6,1 -6,7 31,8

Outstanding Kredit – berdasarkan segmen bisnis (Rp Triliun)

Komposisi – berdasarkan segmen bisnis (%)

Micro Consumer Small Comm. Medium Corporate Non SOE SOE Total

28,0%

30,0%

32,0%

34,0%

36,0%

38,0%

40,0%

10,0%

15,0%

20,0%

25,0%

30,0%

35,0%

19

Monthly Loan Disbursement

... Loans disbursement in Micro, Consumer & Medium Segment is increasing …

Micro Consumer

Small Commercial

18,7

22,1 21,9

10,4

8,2

15,8

18,3

Jan Feb Mar Apr May Jun Jul

4,7

7,1

6,4 5,9

5,0

5,8 6,4


4,1

5,3

3,9

2,5

1,8

3,2 3,3


IDR Trillion

20

Loan – Asset Quality

Non Performing Loan – gross by segment (%) Special Mention – by segment (%)

√ Started in 2018, Loan has been adjusted due to reclassification of Trade Finance/LC Related Receivables from Loan to Other Earning Assets-Other Receivables

NPL% 2015 2016 2017 2018 2019 1H'19 1H'20

Micro 1,13 1,00 1,08 1,01 1,18 1,40 1,18

Consumer 1,30 1,18 1,05 1,03 1,10 1,35 1,50

Small Comm

2,89 2,95 3,01 3,14 3,17 3,75 3,63

Medium 8,35 7,90 5,45 6,80 5,38 5,61 6,79

Corporate 4,15 5,40 6,91 5,49 8,75 4,83 10,75

SoE 0,00 0,00 0,00 1,10 1,73 1,03 1,11

Total NPL 2,02 2,03 2,12 2,16 2,62 2,35 2,98

SML% 2015 2016 2017 2018 2019 1H'19 1H'20

Micro 6,00 4,43 4,04 3,51 3,51 4,60 2,25

Consumer 4,02 3,04 2,85 2,49 2,52 3,08 3,49

Small Comm

7,06 6,06 5,79 4,28 4,63 6,41 5,91

Medium 5,37 3,04 3,24 2,87 2,97 6,57 7,04

Corporate 2,83 3,79 5,86 7,73 5,82 10,66 7,29

SoE 2,60 3,30 1,98 0,86 4,29 3,86 4,33

Total SML 4,81 4,28 4,12 3,65 3,93 5,37 4,19

21

NPL Coverage Ratio, Write Off, and Recovery

NPL Coverage Ratio

Write Off & Recovery

“LAR Coverage (exclude Covid-19) maintained at 60.7%”

7,7 8,4 9,512,2

17,0

5,7 6,4 3,8 4,5 5,0 6,2 7,0 2,8 2,9

48,8%52,8% 53,1% 51,0%

41,1%

50,1%44,5%

0,0%

10,0%

20,0%

30,0%

40,0%

50,0%

60,0%

0

2

4

6

8

10

12

14

16

18

2015 2016 2017 2018 2019 1H'19 1H'20

Write Off Recovery Recovery to Write Off

17,0 21,9 29,1

34,6 37,5 38,3

51,8

11,3 12,9 14,9 17,2 22,5 19,7 25,9

151,1%170,3%

195,5% 200,6%

166,6%

194,6%200,3%

0,0%

50,0%

100,0%

150,0%

200,0%

250,0%

-

10,0

20,0

30,0

40,0

50,0

60,0

2015 2016 2017 2018 2019 1H'19 1H'20

Provision NPL NPL Coverage

IDR Trillion

22

Pertumbuhan dan Komposisi Simpanan

Deposits Composition, COFDeposits Growth: Trend

(IDR Trillion)

113,0 140,8 144,4 176,4 167,8 162,3 172,8

267,6 297,6

342,8 378,9 404,4 365,8

401,1

262,2

285,4

316,1

342,7 397,5

371,3

439,3

642,8

723,8

803,3

898,0

969,8

899,4

1.013,2

0,0

200,0

400,0

600,0

800,0

1.000, 0

1.200, 0

0,0

200,0

400,0

600,0

800,0

1.000, 0

1.200, 0

2015 2016 2017 2018 2019 1H'19 1H'20

Demand Deposit Saving Time Deposit TOTAL

59,2% 60,6% 60,6% 61,8% 59,0% 58,7% 56,6%

40,8% 39,4% 39,4% 38,2%41,0% 41,3% 43,4%

4,24%

3,83%

3,27%3,47% 3,58% 3,64% 3,54%

0,00%

0,50%

1,00%

1,50%

2,00%

2,50%

3,00%

3,50%

4,00%

4,50%

0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%

2015 2016 2017 2018 2019 1H'19 1H'20

Low Cost High Cost COF Liabilities

Inisiatif Simpanan

Optimalisasi value chain transaction untuk nasabah korporasi

Konsep baru tabungan mikro – Teman Simpedes

New BRI Mobile (penambahan fitur pembukaan rekening online)

Optimialisasi Agen BRILink (branchless banking)Ekosistem Pembayaran Digital, khususnya Micro

Payment Ecosystem melalui Pasar.id dan Stroberi

23

MONTHLY UPPER LINE TREND

INTEREST INCOME

IDR Trillion

INTEREST EXPENSE

NII NIM

“Trend of monthly interest income is reversing since April.”

3,11

3,19

3,32

3,053,02

2,92

Jan Feb Mar Apr May Jun

10,289,95

10,44

6,21

7,62

8,65

5,00

6,00

7,00

8,00

9,00

10,00

11,00


7,176,75

7,12

3,16

4,60

5,73


NII

7,20%6,76%

7,08%

3,19%

4,62%

5,59%

7,20% 6,97% 7,00%

6,07%5,56% 5,72%


NIM Marginal NIM

24

Pertumbuhan Fee Based Income

7.352

9.21010.303

11.900

14.293

6.201

7.430

7,7%

8,6%8,8%

9,2%

10,0%

9,0%

11,1%

7,0%

7,5%

8,0%

8,5%

9,0%

9,5%

10,0%

10,5%

11,0%

11,5%

2000

4000

6000

8000

10000

12000

14000

16000

2015 2016 2017 2018 2019 1H'19 1H'20

Fee Based Income % FBI to Total Operating Income

g (yoy):19,8%Fee Based Income (Rp Miliar)

Komposisi Fee Based Income

….Komposisi Fee Based Income terhadap Pendapatan Operasional terus meningkat seiring dengan pertumbuhan FBI yang kuat, disumbang Fee dari E-Channel dan E-

Banking….

25

Transaksi E-Banking sebagai sumber FBI

14,76

100,74

223,82

0,00

50,00

100,00

150,00

200,00

250,00

2019 1H'19 1H'20119,5

219,1

311,5

574,9

1.169,4

511,5

1.144,4

-

200,0

400,0

600,0

800,0

1.000,0

1.200,0

1.400,0

2015 2016 2017 2018 2019 1H'19 1H'20

1.697,6

2.157,0 2.084,6

2.322,0

3.723,5

1.808,21.718,0

-

500,0

1.000,0

1.500,0

2.000,0

2.500,0

3.000,0

3.500,0

4.000,0

2015 2016 2017 2018 2019 1H'19 1H'20

ATM (In million ) INTERNET BANKING* (In million) BRIMo (In million)

…Ample opportunity to grow e-channel transactions (digital)…

Launched in 2019, BRIMo is internet-based digital financial application using newest UI/UX, providing attractive features e.gonline opening account, card-less cash withdrawal, and fingerprint/ face ID login

* Internet banking numbers shown above incl. BRIMO transactions

“During the pandemic, customers' transaction behaviors have shifted from using conventional e-channels (ATM and EDM) to digital (internet banking)”

26

DIGITAL STRATEGIES

Digitizing Core Digital EcosystemNew Digital Propositions

Exploration:

Build ecosystem to offer products and services beyond core business.

Exploration:

Create and launch an independent greenfield digital bank in Indonesia

Exploitation:

Digitize existing services and transactions (Business Process)

● Optimize existing Channels● Integrated Digitized Operation● Simplified and standardized system

Big Data Analytics

Branchless Banking Initiatives for Micro

Digital LoanUnderwriting System

Advanced Mobile Banking

Digital partnership & Collaboration

B2B2C Integrated Billing System

BRI School Management System

● Digital Platform for Business● Build new business model● Partnership with Fintech

Digital Lending Platform

● Mobile First channel● Fully Digital for untapped market● Build New Digital Capability

Boost Productivity &Unleash The Potential

Tap the UntappedEmbedded in Customer Life

Leveraging New Liquidity, NewOpportunities, New Source of Growth

BRI Partnership

Credit Cardless Product

27

BRI Digital Initiatives

K E C EBRI Partnership with FintechBRI x Traveloka

Digital Credit Card

Digital ultra micro loan

28

BRILink

Bank account is not required

Money transfer

Bill payment

Loan installment

Cash deposit & withdrawal

Mobile phone voucher

SERVICES PROVIDED

360.00 0

370.00 0

380.00 0

390.00 0

400.00 0

410.00 0

420.00 0

430.00 0

440.00 0

1H'19 1H'20

391.348

434.364

# of Agents

-

50

100

150

200

250

300

350

1H'19 1H'20

234

321

# of Transaction(In Million)

300

310

320

330

340

350

360

370

380

1H'19 1H'20

Transaction Volume(IDR Trillion)

330,67

375,59

-

100,00

200,00

300,00

400,00

500,00

600,00

1H'19 1H'20

358,89

478,57

(IDR Billion)FBI

A branchless banking initiatives performed by BRI’s customer through fee income sharing scheme..

Cash pickup

70,8 Thousand saving referrals ( )

60,6 Thousand loan referrals ( )

IDR 9,45 T CASA ( )

180,1% YoY

608,1% YoY

78,3% YoY

52,6 Thousand (70% of total) villages acquisitions

29

MENINGKATKAN KAPABILITAS DIGITAL BRI

Digital Loan Products*Data as of July 2020

Digital Loan Partnership*Data as of July 2020

Rp64,8 Billion

disbursed to 9,950 borrowers

BRI keeps exploring new business opportunities by developing

innovative digital lending products and partnering with fintechs and digital start-ups to achieve our aspiration“Go Smaller, Go Shorter, Go Faster”

Rp88,6 Billion


Rp21 Billion (June 2020)


Rp321 Billion

disbursed to 87 borrowers

Rp381 Million

disbursed to 95 borrowers

Rp215,7 Billion


30

ESG INITIATIVES

31

BRI Initiatives On ESG

PT BANK RAKYAT INDONESIA (Persero) Tbk.Investor Relations7th floor BRI II BuildingJl. Jenderal Sudirman No. 44-46 Jakarta 10210Indonesia

Phone : 62 21 5752006/09, 5751952/79Fax : 62 21 5752010Website : www.ir-bri.com Email : [email protected]

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 reportconstitute 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 maybe 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 agentsaccepts liability for any errors, omissions, negligent or otherwise. In this report and any inaccuracy herein or omission here from which might otherwise arise

Penghargaan

Best CEOBest CFO

Best Investor Relations Company 2019 –Corporate Governance Asia

Best in Country Indonesia –IR Magazine Awards South East Asia

ASIAN BANKER 2019 DUBAI Best Retail Bank in Indonesia

ASIAN BANKER 2019 DUBAI Best Digital in Indonesia

Best Managed Bank–Asian Bankers

The Best CSR in Asia Money Awards –Asia Money

IDX Channel Award: The Best Millennials Investor Choice–

IDXChannel

Best of The Best Company – Forbes Indonesia

Indonesia Most Trusted Company–Indonesian Institute for Corporate

Governance (IICG)

ASEAN Best Public

Company based on Wealth

Added Index Method -SWA

The Best Bank with

Outstanding Financial

Performance 2018 - Infobank

Best Bank in Indonesia

- Global FinanceThe Best Bank in KUR Loan

Disbursement – Ministry of

Coordinating Economy

Asia’s Best CFO 2018

Asia’s Best CEO 2018

Best Inv estor Relations

Company 2018 –

Corporate Gov ernance Asia

The Best Productiv ity, Efficiency

and Automation Initiativ e,

Application or Programme:

BRISPOT - ASIAN Bankers

The Best Bank for

Supporting MSMe for Bank

in Category BUKU 3 & 4 -

Bank Indonesia

Indonesia Most Trusted Company on Good Corporate

Gov ernance Implementation - Indonesian Institute for

Corporate Gov ernance (IICG)

The Best Primary Dealer in

2017 – Ministry of Finance

The Best Bank for supporting MSME for Bank In Category BUKU 3 & 4 –

Bank Indonesia

33

public expose 2020...2020/08/25 · 6 bri senantiasa menciptakan “success stories” simpedes...

Documents