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PT Bank Raya Indonesia, Tbk
Public Expose 2025
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Outline
● Transformation Journey
● Corporate Strategy and Value Proposition
● 1H25 Financial Performance Highlight
● Business Performance Overview & Strategy
*efektif setelah penilaian kemampuan dan kepatuhan disetujui oleh OJK 2
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Experienced Board of Management
Board of Commissioner
J. Kuntjoro Retno Wahyu Nyimas Dewi Ratih
M. Sidik Heruwibowo
Adisardjono Wijayanti Kamil
President Commissioner Independent Commissioner Independent Commissioner Commissioner
Experience in Banking Audit Experience in Compliance & GCG Experience in Corporate Experience in Communication and
Transformation & Strategy Information
Board of Director
Ida Bagus Ketut Kicky Andrie Rustarti Suri Danar Widyantoro Lukman Hakim
Subagia Davetra Pertiwi
President Director Director of Business Director of Finance Director of Compliance, Director of Digital and
Experience in Micro Business Experience in Consumer Experience in Finance & ERM and HR Operations
Business, Branchless Banking Investor Relation Experience in Digital Risk, Experience in Banking IT Strategy,
Development & Strategy Data Management, and IT Development & Operation 3
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Transformation Journey
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Bank Raya Journey as BRI Group’s Digital Attacker
2021 Transformation Started
In November 2021, BRI Agro transformed
2024 - Exploit Business Synergy Opportunities
within Ecosystems and Partnerships
into Bank Raya, adopting a new vision as
BRI Group’s digital attacker while revamping
2025 We continue to enhance our value propositions through
ongoing improvements, while optimizing business
it’s portfolio and business model.
opportunities within the BRI Group across various
ecosystem channels and exploring new growth
through strategic partnerships
2022 Established the Foundation
We executed our revamped business
model and drove digital innovation 2026 - Optimize Digital Business
Exploit potential synergies and
through the launch of Raya Apps and onwards explore new business opportunities
Pinang Dana Talangan, establishing a
strong digital foundation. along with innovative digital
products and services.
2023 Upscale Digital Products Development
Significant improvements and innovations in digital
products and services were made, resulting in a strong
product proposition, new partnerships, and expanded
networks in cash services.
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Awards
Bank Raya has gained wide recognition across multiple categories, receiving several prestigious awards
2025
Indonesia Digital Innovation The 2nd Best Digital Bank
Best Stock Awards 2025 Awards 2025 7th Anniversary
Category
Top 100 Digital Banks 2025 Infobank
Category Indonesia Best CSR
AMid-Cap Financial Sector – The Banker The Most Innovative Digitalization of March ’25 Awards 2025
State-Owned Enterprises and Digital Bank 2025 for Strengthening
Their Subsidiaries
March ’25
Brand Awareness Through The Iconomics
Investor Trust Digital-First Strategies
May ’25
February ’25 Warta Ekonomi
March ’25
The Best Investor Trust Digital Innovation
22nd Infobank-MRI Banking SPEx2 Awards 2025
Awards 2025 Awards 2025
BUMN Entrepreneur Service Excellence
Best Net Income Growth Digital Innovation in Kontan
Marketing Award 2025 Appreciation 2025 June ’25
Investor Trust Business Transformation
Markplus Infobank
May ’25 iNews
May ’25 June ’25
May ’25
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Corporate Strategy and Value Proposition
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Corporate Strategy Framework
Providing digital financial solutions that Faster, Shorter, and Smaller with the broadest access across
Indonesia
Mission
▪ Optimizing BRI Group synergy and prudent exploration of the
Vision mass market, especially in the micro and small segments.
A leading digital bank providing digital ▪ Providing products and services that are relevant to customer
financial solutions with the broadest access needs (customer centric) end-to-end digital approach.
across Indonesia ▪ Developing a work unit network with a Hybrid Network
Distribution approach, namely synergizing with the BRI Group
offline network and other partners.
Exploit Market Potential Explore Digital Opportunity
▪ Creating integration between Business & Technology.
▪ Strengthening Governance, Risk and Compliance to create
Good Corporate Governance.
Digital Digital Funding & Value Chain Bank Raya’s Value Proposition
Productive Consumptive Transaction Business
Building Brand Value
1 Digital Bank with Strong O2O Networks across Indonesia
With over 1.9 million access points across Indonesia, we aim to meet
Hybrid Network Distribution
customer needs by offering not only online services but also offline
access, ensuring easy and convenient transactions.
Digital Centric Human Capital Organization Capability
Resilient Technological Support
Continuous Innovations in Providing Comprehensive Cross
Strong Governance, Risk Management & Compliance 2 Segment Digital Products
Comprehensive digital savings and lending solutions, supported by
continuous innovation, designed for seamless transactions across
personal and business needs.
Go Go Go
Faster Shorter Smaller Optimize the Role as Digital Attacker through Synergy
3 within BRI Group
Support BRI Group in providing digital products and services to
customers, primarily MSMEs, with smaller, shorter, faster and more
accessible options for customers
Increasing efficiency through Provide short term Reach underprivileged and
technology & digitalization products unbankable customer with
small ticket size
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Digital Bank With Strong O2O Networks Across Indonesia
1 With more than 1.9 million access points across Indonesia, we aim to meet customer needs by offering not
only online services but also offline access, ensuring easy and convenient transactions.
More than 1.9 Mnpoint
Cash In - Cash Out Transaction
of access across Indonesia Cardless transaction (CICO) through 1.2Mn
BRILink agents and 25 Bank Raya outlets
across Indonesia
North Sumatera Networks
Total of 25 outlets Bank Raya
• CB Medan
● 23 Community Branches 7.4k BRI Branch Offices Payment
● 2 Cash Office ● 460 BRI Branch Offices Experience the seamless ease of handling
● 557 BRI Sub Branch Offices transactions effortlessly
Riau ● 5k BRI Units
• CB Pekanbaru ● 492 BRI Cash Offices
• CB Kasikan
Raya Apps Transaction (1H25)
Palembang
• CB Ujung Batu ● CB Palembang
• CB Air Molek
• CB Lubuk Dalam
Lampung
DKI Jakarta Makassar
● CB Lampung
• CB Menara Brilian • CB Makassar
• CB Warung Jati 2 Mn
Bali Transaction
• CB Denpasar
West Java
• CB Bandung
Central Java East Java
• CB Cirebon • CB Semarang • CB Sidoarjo
• CB Bekasi • CB Solo • CB Surabaya
• CB Temanggung ● 11k ATM
• CB Lamongan
• CB Yogyakarta ● 9k CRM
• CB Malang
1.2 Mn BRILink Agents ● 682k EDC
Cash Withdrawals
Cardless cash withdrawals through BRI’s
Other networks
23k Indomaret Outlets ATM and 23k Indomaret outlets across
Indonesia
MSME’s Marketing Channels
Nearly 50% of MSME’s marketing channels Raya Apps is embedded in BRImo
are from offline shop. Therefore, cash basis Allows users to easily access Raya accounts
transactions are still needed in the market. through BRImo
Source: Bank Indonesia, 2023
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Comprehensive Cross Segment Digital Products
2 Unlock effortless transactions with our innovative products, perfectly tailored for personal, business and
community along with digital loans for consumptive and productive segments
Digital Saving Digital Loans
Productive Loans
Intraday loans for
transaction purpose to
Saku Personal banking and other
agents
Ensure daily financial transactions of
customer are met easily and practically Supply chain
financing for retails
business
Supply chain
financing for MSME
business
Saku Bisnis
Provide financial management tools for Channeling loans
personal and MSME business
Bank Raya addresses all customer needs by Consumptive Loans
offering a wide range of comprehensive digital
Consumptive loans
Saku Bareng products across various segments based on payroll and
transactions
Offers
Personal seamless
financial joint accounts for
management
communities
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Optimize the Role as Digital Attacker Through Synergy
3
Within BRI Group
Portfolio Management of BRI Micro & Ultra Micro
Group Financing BRI Group
Optimizing synergy within the BRI Group through
Mass Market collaborations that enhance Bank Raya’s
performance by delivering digital products and
services tailored for MSMEs, offering smaller,
shorter, faster products and services.
BRI
Available to BRILink Merchants
and Pegadaian
agents, and BRI
HNW Merchants
&
Digital Attacker Corporate
BRI Group
Other Raya’s Synergy within BRI Group
Medium &
Premium Payroll Consumer Loans Supply Chain Financing
Small & Middle Class
>1.9M point of access to
Micro & Ultra Micro Mass Market x optimize customer needs
Networks for easier transactions
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1H25 Financial Performance Highlight
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Balance Sheet - Overview
Digital loans and savings have become key drivers of balance sheet growth, strengthening assets and
low-cost funding, supported by ample liquidity and capital
Total Asset Loans, Digital Loans and Compositions
(IDR Tn)
NPL and NPL COVERAGE
(IDR Tn)
32% 36%
22% 296.14% • Total assets grew by 2.0% YoY
18% 348.92% 364.02% in 1H25, supported by a 7.5%
YoY 455.46% YoY increase in total loans.
7.5%
Digital loans surged by 79.2%
oY
2.0% Y YoY, with their contribution
5.6 4.8 5.3 4.7
rising from 22% to 36% in
-12.3%
YoY 1H25.
2.6
• Meanwhile, asset quality
2.3 improved, with NPL gross at
1.3 1.5 YoY
79.2
% 4.03% and a strong coverage
ratio of 364.02%.
• Total deposits were supported
Total Deposits, Digital Savings Tier 1 Capital, Total Capital (IDR Tn) by more than 1 mio users,
(IDR Tn) and CASA LDR and RIM
and CAR with digital savings reaching
IDR1.5 T, which grew 65.0%
YoY. Growth was driven by a
26.77%
29.72%
40.84%
7.6% YoY increase in CASA to
27.50% 43.84% 44.29% 43.99%
27.32%
8.4 IDR 2.5 T
8.1 8.7 3.3 3.3 3.3 3.3
8.2 -3.1% Y
oY • Liquidity remained
0.9 1.5 0.1
0.8
1.3 0.1 0.1 0.0 well-managed with LDR at
YoY 86.74% and RIM at 92.67%,
65.0%
3.2 3.3 supported by a strong CAR of
3.2 3.2
43.99%.
7.4 6.8 7.8 6.9
-11.0%
YoY
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Digital Loans - Overview
Digital loan growth was driven by three products contributing 97%, reflecting the amplification of business
opportunities within the BRI Group ecosystem. The focus remains on sustainable growth through higher yields and
well-managed asset quality
Pinang Dana Talangan (IDR Bn)
Digital Loan Disbursement Digital Loans Outstanding
Digital Loan Composition
(IDR Tn) (IDR Tn)
Y
Yo
. 2%
63
Y
Yo
.2%
Y 79
Yo
.9%
64 0.78% 0.73% 0.92% 0.83%
Pinang Maksima (IDR Bn)
Y
Yo
4%
7.
13
Digital Loan Yield Digital Loan NPL Gross Digital Loan Products Composition
2.63% 2.50% 10.05% 1.79%
Pinang Flexi (IDR Bn)
Y
Yo
85.8
5%
2.
16
2.26% 2.53% 3.75% 3.80%
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Income Statement - Overview
As a result of improved balance sheet performance and higher digital loan contributions, profitability
increased, driven by stronger yields and NIM
Interest Income (IDR Bn) NII (IDR Bn) OPEX (IDR Bn) Net Profit (IDR Bn) Total Loan Yield
Y Y -6 Y
Yo Yo .3%
Yo Yo
.1% 4% %
15 21. Y .5
64
NIM BOPO ROA (After Tax) ROE (After Tax) Digital Loan Yield
15
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Business Performance Overview & Strategy
Page 17
Life of Bank Raya’s Customer
Easy way to manage financial transactions for daily life, social and business in one device
Joel
Bicycle workshop owner and coffee shop entrepreneur
Personal Business
Joel’s Line of Business
Joel’s Saku Personal Joel’s Saku
for daily life transactions Bareng
Coffee Shop Bicycle Reparation Registered as BRILink Agents
Joel’s cycling
Saku Bujet : community bank
Food account for weekly
budget ride amongst
members Joel’s Saku Bisnis Joel’s Digital Loan
Transport
budget
Intraday Loan for
Cycling Payroll BRILink transaction
budget from Pinang Dana
Talangan
Joel’s Raya
Saku Pintar Cashier Access
Paylater Bike spare part
for 2025 Bali trip distributor is
funded by Pinang
Joel uses Raya Maksima
Savings in
Paylater for bike’s Qris Acquirer
Saku Jaga
apparels through
Joel’s employee
e-commerce are funded by
Monthly Donation Mass Transfer Pinang Flexi
Bike spare part
Invest through Same Day Fund procurement is
BRIFINE funded by Pinang
Reconciliation Performa
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Digital Saving - Unlock Seamless Transactions with
Innovative Products
Perfectly tailored for personal, business and community
Raya Apps Total Digital Saving Number of Users Total Trx Raya apps
(IDR Tn) (Thousands) (Thousands)
2-5 minutes
Main Features open account
Total digital saving
● Seamless financial management reached IDR1.5 Tn
Y
with Saku's features designed for YoY Yo (1 Mn users) with
.6% oY %
efficient fund allocation 66
.7 %Y 42.7 total transaction in
Net Promoter Score ● Multi purpose - hassle-free 22 Raya apps reached
65.5 onboarding both for personal and
2 Mn transactions
GREAT business transactions
● Cardless Cash Out in BRI’s ATM,
branch offices & BRILink Agents
across Indonesia
New Features
Saku Bisnis
Saku Personal Saku Bareng
Financial management for
Personal financial management businesses Seamless joint account for
▪ A simple platform for tracking communities
Saku Utama Saku Bujet
Raya Paylater
MSME transactions ● Savings designed
Main transaction Budget allocation • Multipurpose
▪ Payroll and mass transfer for specifically for
loans for Raya vendors
Saku Jaga community-based
Saku Pintar apps users ▪ Ease to monitor QRIS
Emergency fund customers
Saving goals • Limit IDR 5 Mn transactions
▪ Available for QRIS acquirer ● Allows transparency
• Up to 1 year loans
▪ Real time fund withdrawal among members to
period
▪ Cashier access 15k monitor group
Membership Tiering and Privileges accounts transactions
(1H25)
● Easy community’s
New Features fund management
● Raya Story Offers 3 QRIS acquirer
Customer privileges based on tier, including free transfer
● Zakat Donation for 1 merchant to 1k accounts
fees, phone balance top-ups, e-wallet top-ups, and more ● BRIFINE enhance the business (1H25)
Investment transactions
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Digital Loans - Focused on Optimizing Opportunities
within BRI Group
Digital Loan Disbursement
(IDR Tn)
Y
Yo
.9%
64
85.8
Digital Loan
Outstanding
(IDR Tn)
Outstanding Outstanding
(IDR Bn)
(IDR Bn)
Y
Yo
Y YoY .2%
Yo .4% 79
.5% Retail productive 137
Fully digital 162 loans based on
consumer loans
Supply Chain
payroll based
Ecosystems
Digital Loan Yield
Outstanding
(IDR Bn)
Outstanding
(IDR Bn)
Micro and Small -6
9.
productive loans based on 6%
Digital productive Yo
Supply Chain Ecosystem Y
loans to BRILink
agents and other YoY
2%
financial agents 63.
Fintech & P2P Ecosystems
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Pinang Dana Talangan - End to End Digital Champion Product
in Optimizing the Synergy within BRI Group
15 minutes
re
loan process r Sco Enhancement
ro mote
Net P Acquired BRILink Agents
72 t
Exce
llen and its Potential For BRI
20% Merchants
Supporting BRILink Agents &
Potential of
other agents in amplifying
BRILink Agents
transactions opportunities in
Continuing our
faster and easier way through >1 Mn success story, Pinang
intraday loans BRILink 4% Dana Talangan
Agents Acquired expanded to provide
BRILink
k
Brilin ts
intraday loans for BRI
n
Agents
Age ony Merchants
im
Test
Disbursement Outstanding BRILink Agent Acquired
(IDR Bn) (IDR Bn) (Thousand)
Y
Yo
5% Y
57. Yo
Y %
Yo
% .9
3.2 35
6
20
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Pinang Flexi - A Comprehensive Digital Solution for
Consumer Lending
re
r Sco
Pro mote
Net Pinang Flexi is a fully digital, end-to-end consumer lending facility for Bank Raya
69
t and BRI payroll customers, while also targeting broader ecosystems.
Grea
Business Partnerships :
BRI Group Ecosystem
15 minutes
loan process Pinang Flexi apps Partnerships
embedded in through Dana Siaga
which Pinang Flexi
is embedded in
New BRI Group JMO BPJS
ecosystems acquired Ketenagakerjaan
with its members
reached out ~60 mn
in 2024
Disbursement (IDR Bn) Outstanding (IDR Billion) Customers Acquired
Yo
Y YoY Y
.5% Yo
.6
% 162 .1%
8 65
14
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Bank Raya’s Strategy - Ecosystem Exploration and
Exploitation to Drive Digital Business Growth
The exploitation strategy focuses on optimizing existing products and ecosystems, while the exploration strategy
drives business expansion into new markets and ecosystems
Collaboration with other
partners
Exploration
Eksplorasi :
Other Agents
Agen Lainnya
Exploration :
2025 - Mass Market
onwar Exploitation
Raya Paylater
ds BRI Group ecosystem
Payroll BRI Group & Raya
(with wider potential)
Exploration new markets
BRI Merchants
through new
Exploitation BRI Group
partnerships
ecosystem through BRI and
Bank Raya Payroll
2024 Exploitation the existing
supply chain
Exploration community
42K BRILink agent through Saku Bareng
acquired
Payroll BRI & Raya
Exploration MSME merchants through
Saku Bisnis & QRIS Merchant
180 clusters acquisitions
across Indonesia (1H25) Distribution Access :
O2O Channel : >1.9 Million access
Exploitation the potential of the BRI (~7.5K BRI and Bank Raya outlets, ~20K
BRI ATM & CRM, 1.2 Mn Agen BRILink,
Group ecosystem through “Saku”
~23K Indomaret) 5
and other features in Raya Apps
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Driving Growth Through Digital Innovation
Innovations to provide opportunities to expand into new markets to optimize digital business
Enhancement and Launched New Products 2024 Enhancement Raya Apps and Digital Loan Products 1H25
Pinang Dana Talangan Pinang Flexi Pinang Dana Talangan Raya Paylater
Pinang Flexi at For BRI Merchants ● Multipurpose loans for
Raya App Raya apps users
● Limit IDR 5 Mn
A new potential Innovative features in Continuing our success ● Up to 1 year loans
market for Pinang the Raya app are journey of Pinang Dana period
Dana Talangan lies designed to optimize Talangan, we launched
within the network customer needs in digital intraday
of Pegadaian financing.z productive loans to boost
Agents the transactions of BRI Saku Bareng
Merchants.
● Collective savings with
300 members
Saku Bisnis Saku Bareng ● Tagih Uang features to
Saku Bisnis
remind for member dues
Bank Raya’s Cashier Access & 3 QRIS Acquirer
QRIS Acquirer Seamless joint Increase payment productivity Saku Personal
for Merchant account for digital
through cashier access and
savings tailored to
3 QRIS Acquirer in Saku Bisnis Raya Story
Merchants can now meet the financial
use Bank Raya as a transaction needs for MSME entrepreneur Insightful financial
QRIS Acquirer of community guidance for users
provider. Raya apps New Features
Zakat & Donation
Charity transaction via
Raya Agents and CICO BRI Networks ● GPN Debit Card in Raya apps YBM Brilian
● Scheduled transfer
Enhancing financial services and promoting financial
inclusion by optimizing transactions through Bank Raya’s ● BPJS Kesehatan billings BRIFINE Investment
Agents and cash withdrawals at Indomaret, BRI ATMs, ● Raya Points Long term investment
BRILink Agents, and cash deposits at BRI branches. ● Reward for deposit holdings through DPLK BRI
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Engaging Marketing Strategies to Boost Customer Loyalty
and Participation
Bank Raya employs a multi-faceted approach focused on maximizing rewards and enriching experiences to boost
customer loyalty and engagement
Events Promotion
Loyalty Memberships
Pesta Raya Event Loyalty Program Raya
The grand final of Pesta Raya celebrates loyal The gamification of the banking experience allows
customers with the highest transactions and customers to earn rewards as their balance increasing
balances through Raya Apps point rewards,
featuring an electric vehicle as the grand prize. Kawan Sobat
Period : 27 Feb 2025 Free admin Free admin & transfer,
Cashback QRIS & Top up
Kawan Baik e-wallet
Pesta Rakyat Nusantara & Raya Periodic Promotions
Free admin &
Funtastic Bestie
transfer, QRIS Free admin & transfer,
Bank Raya served as the main sponsor of Cashback Cashback QRIS, bills, & Top
the 50th anniversary of Taman Mini
up e-wallet
Indonesia Indah, held on 18–27 Apr ‘25 with
over 100,000 attendees. The “Raya
Raya Points
Runtastic” event was also introduced as
part of promotional strategy to enhance
brand visibility and strengthen customer Reward Points
loyalty. Enhancing customer
Exclusive Monthly
experience by offering
Promotions reward points for
Monthly special deals such
transactions, referrals, and
as cashback from popular
membership upgrades,
merchants like Tomoro
with redeemable points
coffee, Bluebird, XXI
for various rewards.
providing customers with
discounts and value added.
Period : 18 - 27 April 2025 and 4 May 2025
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Glosary
Digital Product
Intraday loan for Brilink Agents to support daily transactions
Consumer digital loans for BRI-Raya payroll
Loans
Invoice Financing within Bank Raya’s Partnership Ecosystem
Productive loans for supply chain financing
Channeling loan to P2P lending and fintech
Saku Utama Main digital account for transactions on Raya Apps
Saku Bujet Personal budget allocation for various purpose
Savings
Saku Pintar Flexible auto debit for customers in achieving their financial goals
Saku Jaga Investment purpose savings account in certain period
Intended for MSME business owners to help them distinguish between their business
Saku Bisnis
transactions and personal transactions
Saku Bareng Digital savings solutions designed to meet the community's financial transaction needs
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Thank You
PT Bank Raya Indonesia, Tbk
Menara BRILian
Jl Jend. Gatot Subroto No. 177A
South Jakarta 12870
Phone. (021) 5093.1300 Fax. (021) 5093.1494
investor.relation@bankraya.co.id
PT Bank Raya Indonesia Tbk is licensed and supervised by Financial Services Authority and is a participant of Deposit
Insurance Corporation
Names mentioned 15 people and organisations named in the text · linked when the evidence is strong
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Bank Raya Journey
p.5
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Bank Best Stock Awards
p.6
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Bank Raya’s Value Proposition Productive
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Bank Indonesia
p.9
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Bank Raya’s
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Bank Raya’s Customer Easy
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Bank Raya’s Strategy
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Bank Raya Payroll
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Bank Raya’s Partnership Ecosystem Productive
p.25
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Financial Services Authority
p.26
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Deposit Insurance Corporation
p.26
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