Main industries:

• Banking: approx. 70%
• Microcredit: approx. 20%
• Insurance and other financial services: approx. 10%

TOP 3 Markets:

• Indonesia: approx. 85%
• Southeast Asia (excluding Indonesia): approx. 10%
• International markets (Rest of the world): approx. 5%

PT Bank Rakyat Indonesia (Persero) Tbk, known as BRI, generates the majority of its revenues from traditional banking business, especially through loans and deposits. A significant part of the business model is focused on microcredit, making BRI one of the leading providers in this segment in Indonesia.

BRI's main market is Indonesia, where the company has a strong presence and market leadership. In recent years, BRI has started to expand its activities in other Southeast Asian countries to benefit from the growing economy in the region. International markets currently play a minor role but could gain importance in the future if the expansion strategy continues.

Production Sites: Indonesia

PT Bank Rakyat Indonesia (Persero) Tbk is one of the largest banks in Indonesia and specializes in financial services. Since it is a financial institution, the bank does not produce physical products. Rather, its "products" are financial services such as loans, deposits, insurance, and investment products offered in Indonesia. The bank operates an extensive network of branches and ATMs throughout the country to provide its services.

Strategy for Future Growth:

1. Digitalization and Technological Innovation: PT Bank Rakyat Indonesia (Persero) Tbk is increasingly focusing on the digitalization of its services. The bank is investing in digital platforms and technologies to enhance customer experience and create more efficient processes.

2. Expansion of the Microfinance Sector: The bank plans to further expand its leading position in the microfinance sector. This includes increasing lending to small and medium-sized enterprises (SMEs) and developing new products tailored to the needs of this customer group.

3. Sustainable Financing Initiatives: Another focus is on sustainable financing projects. The bank is committed to environmentally friendly and socially responsible investments to support both ecological and social goals.

These strategic initiatives aim to increase the bank's market share, strengthen customer loyalty, and ensure long-term profitable growth.

Main imported raw materials/materials: Paper, IT equipment, office supplies
Main importing countries: China, USA, Japan

PT Bank Rakyat Indonesia (Persero) Tbk (BRI) is primarily active in the banking sector and does not import raw materials in the traditional sense like a manufacturing company. However, the bank does import materials and equipment necessary for its banking operations, such as IT equipment and office supplies.

China is a significant supplier of IT equipment and electronics, while the USA and Japan are also important sources for advanced technology and office supplies. These imports are necessary to keep the bank's infrastructure up to date and provide efficient services.

Market share in the microfinance sector: Over 30% (2024)
Return on equity (ROE): 18.5% (2024)
Cost-to-income ratio: 40% (2024)

PT Bank Rakyat Indonesia (Persero) Tbk, known as BRI, has a significant competitive advantage, especially in the microfinance sector, where it holds a market share of over 30%. This strong positioning enables BRI to benefit from the growing demand for microfinancing in Indonesia.

The return on equity of 18.5% demonstrates the bank's ability to generate profits efficiently, indicating strong operational performance. A cost-to-income ratio of 40% highlights the bank's efficiency compared to many competitors, who often have higher ratios.

BRI's extensive branch network and its focus on rural areas also contribute to its competitive advantage, as it allows them to reach and serve a broad customer base. Together, these factors give BRI a robust market position and enable the bank to operate successfully even in a highly competitive environment.

Institutional investor share: approx. 60% (estimated for 2025 based on historical data)

Insider purchases/sales: No significant transactions reported (2025)

The institutional investor share at PT Bank Rakyat Indonesia (Persero) Tbk traditionally stands at around 60%, indicating the confidence of large investors in the stability and growth potential of the bank. This figure is based on the latest available data and may vary slightly depending on market conditions and investment strategies.

In 2025, no significant insider purchases or sales were reported, suggesting that the management and other insiders have not made significant changes to their holdings. This could be seen as a sign of stability and confidence in the company's future development.

Market share of PT Bank Rakyat Indonesia (Persero) Tbk (BBRI): 18% (2025, estimated)

Main competitors and their market shares:

1. PT Bank Mandiri (Persero) Tbk (IDX:BMRI): 20%
2. PT Bank Central Asia Tbk (IDX:BBCA): 22%
3. PT Bank Negara Indonesia (Persero) Tbk (IDX:BBNI): 15%
4. PT Bank Tabungan Negara (Persero) Tbk (IDX:BBTN): 10%
5. PT Bank Syariah Indonesia Tbk (IDX:BRIS): 8%

Moat of PT Bank Rakyat Indonesia (Persero) Tbk:

PT Bank Rakyat Indonesia (BRI) has a significant moat, mainly based on its strong presence in the microfinance sector. BRI is known for its extensive network of branches in rural areas of Indonesia, giving them a unique access to a large customer base that is not as intensively served by other major banks. This specialization in microfinancing and strong brand awareness in rural areas provide BRI with a competitive advantage.

Compared to competitors that focus more on urban and commercial banking services, BRI has a clear advantage in tapping into rural markets. However, banks like Bank Mandiri and Bank Central Asia have a stronger focus on digital innovations and urban markets, giving them an edge in these areas.

Overall, BRI has a significant moat in the microfinance sector, while other banks may be better positioned in urban and digital areas. BRI's ability to leverage this advantage while investing in digital transformation will be crucial for its future competitiveness.

Revenue growth: 9.8% (2024) Profit growth: 11.2% (2024) Return on equity: 18.5% (2024)

PT Bank Rakyat Indonesia (Persero) Tbk recorded a solid revenue growth of 9.8% in 2024. This indicates that the bank was able to further strengthen its market position, especially through its focus on microfinancing and support for small and medium-sized enterprises in Indonesia.

The profit growth of 11.2% during the same period suggests that the bank not only increased its revenues but also became more efficient in its operational processes. The return on equity of 18.5% is an indicator of high profitability and the company's ability to generate high returns from the capital invested.

Additionally, the bank has advanced its digital transformation, leading to improved customer retention and expansion of its service offerings. These strategic initiatives could potentially lead to further growth and strengthening of its competitive position in the long term.

Overall, the financial metrics and strategic direction indicate that the stock of PT Bank Rakyat Indonesia (Persero) Tbk presents an attractive investment opportunity, especially for investors interested in long-term engagement in the Indonesian banking sector.

Dividend yield: 6.5% (2025, estimated)
Dividend history: Continuous payout in the last 5 years

PT Bank Rakyat Indonesia (Persero) Tbk is known for paying out a reliable dividend. In recent years, the company has maintained its dividend policy and regularly distributed dividends to its shareholders. The estimated dividend yield for 2025 is around 6.5%, which is competitive compared to other banks in the region.

The reliability of the payout is supported by the stable financial performance of the bank. Bank Rakyat Indonesia has a strong market position and benefits from robust growth in the Indonesian banking sector. Analysts expect that the bank will also be able to pay attractive dividends in the coming years, provided that no significant economic or regulatory changes occur.