Bank BRI is one of the 2nd largest bank in Indonesia. The state-owned bank went public in 2003 and the Indonesian government holds the majority of its shares by 56.75 percent, while the remaining 43.25% owns by public.

Bank BRI has six Business segments in its portfolio: Micro Business, Consumer Business, Small Business, Medium Business, SOE Business and Corporate Business. What makes Bank BRI different and unique is its Micro Business, which occupied the largest loan portofolio with roughly 30%.

Since its inception, Bank BRI’s strategies have been mostly focused on the development of micro, small and medium business segments. In so doing, Bank BRI takes into account its core competencies at all organization level. With strategic positioning in Indonesian banking industry supported by strong basis of core competencies in micro business segment, Bank BRI is able to achieve its optimal performance.

By the end of 2014, Bank BRI considered as bank with the largest network and customers’ base in Indonesia, with more than 50 million customer accounts served by more than 10,300 outlets , including BRI New York Agency, BRI Cayman Island Branch, BRI Hong Kong Representative Office and BRI Singapore Branch. In addition, Bank BRI will be the first and only bank in the world to operate its own satellite to deliver banking services across Indonesia, enhancing the speed and reliability of transactions in all network channels throughout the nation.

Its profitability has made Bank BRI more attractive in the investment perspective. Bank BRI has been the most profitable bank in Indonesia for ten consecutive years since 2005. The IDR24.2 trillion of net profit at the end of 2014 as a result of 13.9% solid business growth, manageable asset quality (below 2%), high ROE level at 31.22% (bank only), and high ROA level (before tax) at 4.74% (bank only). These achievements are also supported by the high net interest margin of 8.51% (bank only), increasing fee-based income, and improving efficiency (cost efficiency ratio stood at 43.10%).

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