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PT Bank Rakyat Indonesia SWOT & PESTLE Analysis

ID : 521425353| Jan 2023| 21 pages

COMPANY PROFILE -PT Bank Rakyat Indonesia

Business Sector :Banking and Financial Services

Operating Geography :Indonesia, Asia, Global

About PT Bank Rakyat Indonesia :

PT Bank Rakyat Indonesia, commonly known as BRI or Bank BRI, specializes in small-scale and microfinance style borrowing from and lending to its approximately 30 million retail consumers through its more than 4,000 branches, units, and rural service posts. It also manages a corporate firm that is still modest but is expanding. BRI was established in 1895 by Raden Bei Aria Wirjaatmadja in Purwokerto, Central Java, during the Dutch colonial era. The operational business (Persero) is currently 70% owned by the government. Microbusiness, retail, corporate, and subsidiary businesses are the segments through which it conducts business. The Micro Business category provides individual and micro business owners with banking products and services. Small and medium-sized businesses are served through the Retail Business segment's consumer and commercial banking products and services. The Corporate Business section provides international banking services, treasury services, and capital market support services to large enterprises and organizations. Conventional banking, finance services, remittance services, life insurance, general insurance, venture capital, and securities are all part of the subsidiary business category. The Bank announced in September 2022, that it would support speeding the program for battery-based electric motor cars for use in road transportation as part of its commitment to adopting sustainability aspects through the initiative to facilitate the transition to electric vehicles. PT Bank Rakyat (BRI) had over 87,000 employees as of early 2023.

The unique selling point of Bank Rakyat Indonesia lies in its being one of the most profitable banks in the world and one of the biggest banks in Indonesia, with a roughly 50% market share in the microloan sector. The mission statement of PT Bank Rakyat Indonesia reads, "Enhancing economic well-being of our members, customers, and nation".

PT Bank Rakyat Indonesia Revenue :


IDR 156,353,311 million - FY ending 31st December 2021 (y-o-y growth ~18%)
IDR 132,562,578 million - FY ending 31st December 2020

Competitive Analysis of PT Bank Rakyat Indonesia

SWOT
PESTLE
The SWOT analysis for PT Bank Rakyat is presented below in a matrix followed by the detailed analysis report:
StrengthsWeaknesses
1. Strong performance shown by surpassing its set targets
2. Strong rural network connecting 70% of total villages in Indonesia
3. First mover advantage in Sustainable Finance in Indonesia
4. Strong digital capability improving business process
5. Market leader & largest Bank in Indonesia
1. Declining Return on Equity since 2018
2. Steady decline in Return on asset since 2016
3. Increased NPL ratio will put pressure on company’s balance sheet
OpportunitiesThreats
1. Opportunity to expand into developed markets
2. Increase in wealthy population in Indonesia can improve business activity
3. Omnichannel Banking to improve customer experience
4. Hybrid Banking business model to drive growth
1. Rising NPL in Indonesia poses risk for company business
2. Increasing fraud in digital banking
3. Slowed economic growth due to Covid-19 will affect company’s revenue
4. Low interest rate for longer term will affect company profit
SWOT & PESTLE (combined)
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Detailed SWOT Analysis of PT Bank Rakyat Indonesia

Strength

1. Strong performance shown by surpassing its set targets: Despite the Covid-19 pandemic PT Rakyat Bank was able drive growth and record strong financial performance in FY 2021. The company was not only able to meet most of its expected target but also managed to surpass it. It was able to achieve 104.44% of the target set for Assets at Rupiah 1.572.7 billion. For its performance in third party funds, it managed to surpass the expected targets by 1.74%, for net profit it exceeded it targets by 36.99%, for NPL gross and NPL net it outperformed the expected target by 9.59% and 38.04% respectively. Similarly, for Net Interest Margin (NIM), Operating Costs Operating Income (BOPO), Capital Adequacy Ratio (CAR) it managed to exceed the expected target by 6.33%, 6.33%, and 14.58% respectively. However, its performance in Loans and LDR fell short of expectation by 0.13% and 1.85% respectively. This underperformance in loan target was slowdown in demand for loans during the pandemic which further caused the underperformance of LDR and CIR. All of these performance indicators demonstrate Banks solid foundations during a period of global economic uncertainly in the light of Covid-19 impact and rising political tensions across regions.

2. Strong rural network connecting 70% of total villages in Indonesia: The bank has a network of 503,151 BRI Link Agents operating in more than 54 thousand villages, or more than 70% of the total villages in Indonesia. In 2021, the transaction volume by BRI Link reached Rp 1,143 trillion. The Bank operates in the segment of Micro Business, Retail Business, Corporate Business and Subsidiary Business through 462 branch offices, 19 regional offices, 611 sub branch offices all over Indonesia and is acknowledge by 70 million customers making it the largest bank in Indonesia in terms of customers.

The remaining section under "Strength" is available only in the 'Complete Report' on purchase.

Weakness

This section is available only in the 'Complete Report' on purchase.

Opportunity

This section is available only in the 'Complete Report' on purchase.

Threat

This section is available only in the 'Complete Report' on purchase.

Major Competitors :

  • Bank Mandiri
  • Bank Central Asia
  • Bank Negara
  • Bank CIMB Niaga
  • Bank Danamon
  • Bank Permata
  • Panin Bank
  • Bank Tabungan Negara

Major Brands :

  • Raya
  • BRI remittance
  • BRI Life
  • BRI finance
  • BRI Danareksa sekuritas
  • BRI Ventures
  • BRI Insurance
  • PNM
  • Pegadaian
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References used in PT Bank Rakyat Indonesia SWOT & PESTLE Analysis Report

1. Annual Report - https://www.ir-bri.com/misc/AR/AR2020-BBRI.pdf
2. Reach 70 Million BRI Customers and Grow Your Business with BRIAPI - https://developers.bri.co.id/en/news/reach-70-million-bri-customers-and-grow-your-business-briapi
3. Indonesia accelerates tax reforms, cuts corporate income tax in COVID-19 playbook - https://www.thejakartapost.com/news/2020/04/02/indonesia-accelerates-tax-reforms-cuts-corporate-income-tax-in-covid-19-playbook.html
4. Indonesia: Unemployment rate from 1999 to 2021 - https://www.statista.com/statistics/320129/unemployment-rate-in-indonesia/
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SWOT & PESTLE.com (2023). PT Bank Rakyat Indonesia SWOT & PESTLE Analysis - SWOT & PESTLE.com. [online] Available at: https://www.swotandpestle.com/pt-bank-rakyat-indonesia/ [Accessed 02 Feb, 2023].

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PT Bank Rakyat Indonesia SWOT and PESTLE analysis has been conducted by Pratik Vora and reviewed by senior analysts from Barakaat Consulting.

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