Bank Rakyat Indonesia s Infrastructure Development for Financial Inclusion

Transcription

1 2014/SMEWG39/014 Agenda Item: Bank Rakyat Indonesia s Infrastructure Development for Financial Inclusion Purpose: Information Submitted by: Indonesia 39 th Small and Medium Enterprises Working Group Meeting Nanjing, China 3-4 September 2014

2 Bank Rakyat Indonesia s Infrastructure Development for Financial Inclusion 39 th SMEWG Nanjing China, Sep 03 th 04 nd, 2014 PT. BANK RAKYAT INDONESIA (PERSERO) Tbk 1 Indonesia at a Glance Productive Age Population: Million Number of MSMEs: Million Units Accessibility Ratio (Bank Account:Total Population): 47.1% Number of Bank: 120 Commercial Banks with 18,558 offices 1,635 Rural Banks with 4,678 offices Source: Statistik Perbankann Indonesia Des

3 Expanding Financial Access...Creating suitable products and establishing outlets equipped with IT system to provide broader financial access... IT Suitable Products Outlets Broader Financial Access 3 The Four Categories of Full Financial Inclusion Products Credit Personal Consumer Credit Card Education Mortgage Home Improvement Micro Enterprise Business Fixed Asset Savings Savings Account Checking Account Time Deposit Pension Youth Savings Programmed Savings Insurance Life Health Property Disability Crop Credit life Payments Money Transfer Remittance Payments Government Benefit Payments Salary Payment Debit/ATM Card E payment (via ATM, EDC, Internet) *Products that BRI already provided are highlighted in yellow Source: Center for Financial Inclusian, Accion 2

4 Suitable Products: Loan and Savings Creating Loan Scheme for All Types of Client: 1. Unfeasible and Unbankable 2. Unfeasible but Bankable 3. Feasible but Unbankable 4. Feasible and Bankable Creating Saving Products equipped with IT: 5 BRI s Loan Products Providing loan for all of kind of clients Financing model based on entrepreneurship maturity Financing model Commercial Direct Grant E Revolving Funds (Unfeasible & unbankable) D Subsidized Loans Special Commercial Loans (Unfeasible but bankable) (Feasible but unbankable) C B Level of entrepreneurship Commercial line A Fully Commercial Loans (Feasible & bankable) CSR Partnership Loan KKPE, KPENRP, KUPS Kredit Usaha Rakyat (KUR)* Komersial (KUPEDES*, Kredit Ritel & Menengah) 6 *microcredit 3

5 BRI s Outlet: The Most Extensive and Largest Network Milestones - Networks Outlet Distribution - Trend Conventional Outlet Outlet HeadOffice Regional Office Branch Office* Sub Branch Office BRI Unit 4,538 4,649 4,849 5,000 5,144 Cash Office * Teras include BRI 3 overseas offices ,304 1,778 2,212 E-Channel TerasBRI Mobile Total 6,341 6,990 8,075 9,052 9,808 E Channel ATM 3,778 6,085 7,292 14,292 18,292 EDC 6,398 12,719 31,590 44,715 85,936 CDM Kiosk E Buzz Total 10,259 18,941 39,090 59, ,570 7 Satellite - BRISAT 15 to 16 million electronic transactions per day BRIsat will be launched by an Ariane 5 launcher from the Guiana Space Center, Europe's Spaceport in Kourou (French Guiana) in 2016 Indonesia Archipelago Bank branches scattered over Indonesia s islands to enhance corporate performance save telecommunication spending by 50 percent 8 4

6 Mobile Outlet: Teras BRI Keliling...Bringing financial access to the clients... 9 Mobile Outlet: Teras Kapal BRI... Delivering financial access for the people in the remote islands

7 Mobile Outlet: E-Buzz BRI...Providing financial education as well as financial access Outlets: Branchless/Agent Banking BRI *212#...Delivering financial access through mutual partnership with agents

8 Outlets: Branchless/Agent Banking BRI...BRIlinks agents get 50% of sharing fee for every transaction BRI s Human Capital to Support Financial Inclusion Number of Employees: 116,000 people Number of Training Centers: 7 Training Centers Continuously increasing employees capability by obligated them to join the training at least once a year

9 Results Number of MSMEs Client (2013): ±42 million Depositors ±8 million Borrowers Cost Expense to Operational Income (2013): 60.58% Cost Efficiensy Ratio (2013): 42.13% Net Profit (2013): IDR T (USD 2 Billion) Through this new satellite, BRI aims to enhance its corporate performance, save telecommunication spending, and expand its activities and services to all corners of the vast Indonesian archipelago 15 Results Income Statement Ratios Note: Since FY 2010, figures are PSAK 50 & 55 compliant Numbers stated in this presentation are bank only Description Interest Income 35,071 43,971 46,949 47,922 57,301 Interest Expense (12,180) (11,449) (13,079) (12,461) (14,395) Net Interest Income 22,891 32,523 33,870 35,461 42,906 Fee & Other Opr. Income 3,257 5,458 5,524 8,166 8,165 Gross Operating Income 26,148 37,980 39,394 43,627 51,071 Other Operating Expenses (11,773) (15,648) (16,288) (18,602) (21,284) Pre Provision Operating Profit 14,375 22,332 23,106 25,025 29,788 Provision (5,805) (7,926) (5,532) (2,555) (3,916) Non Operating Profit/Loss 1, ,157 1,169 1,776 Profit Before Tax n Minor. Int. 9,897 14,903 18,731 23,639 27,648 Net Profit 7,308 11,472 15,083 18,521 21,160 EPS*) Description Cost of Fund (COF) 6.02% 4.90% 4.70% 3.68% 3.71% Loan to Deposit Ratio 80.88% 75.17% 76.20% 79.85% 88.54% Net Interest Margin (NIM) 9.14% 10.77% 9.58% 8.42% 8.55% NPL ratio - Gross 3.52% 2.78% 2.30% 1.78% 1.55% NPL ratio - Nett 1.08% 0.74% 0.42% 0.34% 0.31% CKPN to Earning asset 4.29% 4.58% 4.51% 3.43% 2.90% Opr. Expense to Opr. Income 77.66% 70.86% 66.69% 59.93% 60.58% Cost Efficiency Ratio (CER) 46.72% 42.22% 41.17% 43.11% 42.13% Tier I CAR 12.05% 12.01% 13.67% 15.86% 16.13% Total CAR 13.20% 13.76% 14.96% 16.95% 16.99% Return on Assets (ROA) - b.t 3.73% 4.64% 4.93% 5.15% 5.03% Return on Assets (ROA) - a.t 2.76% 3.57% 3.97% 4.04% 3.85% Return on Equity (ROE) - Tier I 35.22% 43.83% 42.49% 38.66% 34.11% Return on Equity (ROE) - B/S 28.83% 35.94% 35.10% 32.41% 30.10% Min. Reserve Requirement 5.90% 8.05% 9.33% 10.64% 8.02% Net Open Position 5.22% 4.45% 5.49% 3.00% 3.15% 16 8

10 Terima Kasih Thank you Please Visit www. bri.co.id Disclaimer: This presentation 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 l i a b i l i t y w i t h o u t p r i o r n o t i c e o f B a n k B R I a n d / o r t h e i r r e s p e c t i v e e m p l o y e e s 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 accepts liability for any errors, omissions, negligent or otherwise, in this report and any inaccuracy herein or omission here from which might otherwise arise. 9