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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: ivp@bri.co.id

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

!/ 084/ ?:# 1&'(1!"/

/ '@/ ?,> 9#"

2".

/ 0,/ ?:#%1&'(11"/

$%$%--$,.01$,.01