{"product_id":"bri-business-model-canvas","title":"Bank Rakyat Indonesia (BRI) Business Model Canvas","description":"\u003cdiv class=\"pr-shrt-dscr-wrapper orange\"\u003e\n\u003csection class=\"pr-shrt-dscr-box\"\u003e\n\u003cdiv class=\"pr-shrt-dscr-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Magnifier-Icon.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eBRI's Business Model Canvas: Blueprint for Micro, Retail \u0026amp; Corporate Value Creation\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"pr-shrt-dscr-content\"\u003e\n\u003cp\u003eUnlock the full strategic blueprint behind Bank Rakyat Indonesia (BRI)'s business model—this concise Business Model Canvas exposes how BRI creates value for micro, retail, and corporate customers, leverages vast branch and digital networks, and monetizes lending and fee services; ideal for investors, consultants, and entrepreneurs seeking actionable insights and ready-to-use templates.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eP\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eartnerships\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper green\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eUltra Micro Holding Synergy\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eBRI partners with PT Pegadaian and PT Permodalan Nasional Madani to build a shared ultra-micro ecosystem, using 12,000 joint physical outlets and pooled customer data to reach ~15 million unbanked micro-entrepreneurs.\u003c\/p\u003e\n\u003cp\u003eBy year-end 2025 the alliance cut new micro-customer acquisition cost by ~30%, lowering it from ~US$18 to ~US$12 per customer and boosting micro-deposit growth by 22% year-on-year.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eBRILink Agent Network\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eBRI’s BRILink agent network leverages over 1.2 million individual shop owners and micro-entrepreneurs as branchless agents across Indonesia, delivering cash-in\/out, transfers, and bill payments in locations where physical branches aren’t viable. This agent footprint drove 2024 retail transaction volume up 18% y\/y and helped BRI report a 2024 deposit reach covering \u0026gt;90% of subdistricts, keeping BRI the country’s most accessible bank.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eGovernment of Indonesia\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cpas a state-owned bank bri partners with indonesian ministries to disburse social aid and subsidized loans such as kredit usaha rakyat delivering over idr trillion in kur lending through adding millions of low-income clients its portfolio. this government tie gives steady customer inflow regulatory support advance financial inclusion aligning mission reach million retail customers by end-2024.\u003e\n\u003c\/pas\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFintech and E-commerce Collaborations\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eBRI partners with top Indonesian fintechs and e-commerce platforms (e.g., Tokopedia, Shopee) to embed its payment and lending services, reaching 60%+ of digital shoppers and adding roughly IDR 25 trillion in merchant loans by 2024.\u003c\/p\u003e\n\u003cp\u003eVia API integration BRI offers instant credit to merchants and consumers, boosting digital loan origination share to ~18% of total retail loans in 2024.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003ePartners: Tokopedia, Shopee, OVO\u003c\/li\u003e\n\u003cli\u003eImpact: +IDR 25T merchant loans (2024)\u003c\/li\u003e\n\u003cli\u003eReach: 60%+ digital shoppers\u003c\/li\u003e\n\u003cli\u003eShare: ~18% digital retail loans (2024)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eGlobal Financial Institutions\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eBRI partners with global financial institutions and investors to secure green and ESG-linked financing, tapping bonds and syndicated loans worth over USD 1.2 billion in 2024 to fund renewable and sustainable projects.\u003c\/p\u003e\n\u003cp\u003eAligning with IFC, ADB, and EU standards, these ties diversify funding in international capital markets and improved BRI’s ESG investor ratings, widening access to lower-cost capital.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eUSD 1.2B+ green\/ESG deals in 2024\u003c\/li\u003e\n\u003cli\u003ePartners: IFC, ADB, EU programs\u003c\/li\u003e\n\u003cli\u003eImproved ESG investor access and lower funding costs\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Partnerships-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eBRI boosts micro reach: 15M clients, 1.2M agents, $1.2B ESG, CAC down 30%\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eBRI scales financial inclusion via alliances with Pegadaian and PNM (12k joint outlets; ~15M micro-entrepreneurs), BRILink’s 1.2M agents (90%+ subdistrict reach), fintech\/e-commerce embeds (Tokopedia, Shopee; ~IDR25T merchant loans) and USD1.2B+ green\/ESG facilities (IFC, ADB), cutting micro-acquisition cost ~30% to ~US$12 (2025) and boosting micro-deposits +22% YoY.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003ePartner\u003c\/th\u003e\n\u003cth\u003eKey metric\u003c\/th\u003e\n\u003cth\u003e2024\/2025\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003ePegadaian, PNM\u003c\/td\u003e\n\u003ctd\u003eJoint outlets \/ reach\u003c\/td\u003e\n\u003ctd\u003e12,000 \/ ~15M\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eBRILink agents\u003c\/td\u003e\n\u003ctd\u003eAgents \/ coverage\u003c\/td\u003e\n\u003ctd\u003e1.2M \/ 90%+ subdistricts\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eFintechs (Tokopedia, Shopee)\u003c\/td\u003e\n\u003ctd\u003eMerchant loans \/ digital reach\u003c\/td\u003e\n\u003ctd\u003eIDR25T \/ 60%+ shoppers\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eGlobal financiers (IFC, ADB)\u003c\/td\u003e\n\u003ctd\u003eGreen\/ESG funding\u003c\/td\u003e\n\u003ctd\u003eUSD1.2B+\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eAcquisition cost\u003c\/td\u003e\n\u003ctd\u003eMicro customer CAC\u003c\/td\u003e\n\u003ctd\u003eUS$18→US$12 (-30%, 2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-includes\"\u003e\n\u003ch2\u003eWhat is included in the product\u003c\/h2\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Word-Icon.svg\" alt=\"Word Icon\"\u003e\n\u003cstrong\u003eDetailed Word Document\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eA concise, pre-written Business Model Canvas for Bank Rakyat Indonesia (BRI) detailing customer segments, channels, value propositions, revenue streams, key resources, partners, activities, cost structure, and customer relationships aligned with BRI’s microfinance and retail banking strategy.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"plus-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Plus-Icon.svg\" alt=\"Plus Icon\"\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Excel-Icon.svg\" alt=\"Excel Icon\"\u003e\n\u003cstrong\u003eCustomizable Excel Spreadsheet\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eHigh-level, editable one-page BRI Business Model Canvas that maps its microfinance-led retail network and digital channels to quickly relieve strategic pain points across distribution, underwriting, and customer retention.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eA\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003ectivities\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMicro and Small Business Lending\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eBRI primarily assesses, disburses, and manages loans for MSMEs, using field officers plus credit-scoring models; as of Dec 2025 BRI’s microloan portfolio was ~IDR 318 trillion, 45% of total loans, with NPL 1.6% for micro segment, showing portfolio health while funding 63 million retail and micro customers.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eDigital Banking Innovation\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eBRI continuously develops and maintains its digital ecosystem around the BRImo app and web platforms, investing over IDR 1.2 trillion in 2024 for UI\/UX and backend upgrades to boost accessibility for low-digital-literacy users; monthly active BRImo users reached 38 million in Dec 2024, handling 62% of retail transactions and enabling a branch transaction share drop from 54% in 2020 to 21% in 2024.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eFinancial Literacy and Empowerment\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eBRI runs widespread financial literacy programs for MSME owners—over 120,000 participants in 2024—covering cashflow, bookkeeping, and credit management to raise borrower capability. These workshops cut default risk (BRI reported a 0.4 percentage-point lower NPL among trained clients in 2023) and build a more resilient, sophisticated client base for scalable lending.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRisk Management and Cybersecurity\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eBRI keeps customer data secure and NPLs low—NPL ratio 1.7% in 2024—by running AI\/ML systems that flag fraud and predict defaults in real time, cutting detection time and provisioning needs.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e1.7% NPL (2024)\u003c\/li\u003e\n\u003cli\u003eReal-time AI\/ML fraud detection\u003c\/li\u003e\n\u003cli\u003eCredit-default prediction reduces provisioning\u003c\/li\u003e\n\u003cli\u003eContinuous monitoring preserves public trust\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eLiquidity and Treasury Management\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eBRI optimises its Rp1,300 trillion deposits (2024) by allocating cash to money markets and \u0026gt;Rp400 trillion in government bonds, securing liquidity while boosting yield through trading and ALM (asset-liability management).\u003c\/p\u003e\n\u003cp\u003eThe treasury keeps daily cash buffers for obligations and targets non-interest income—treasury fees and trading added about 8–10% of 2024 operating income—so liquidity meets payments and profit goals.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eDeposits managed: Rp1,300 trillion (2024)\u003c\/li\u003e\n\u003cli\u003eGovernment bonds: \u0026gt;Rp400 trillion\u003c\/li\u003e\n\u003cli\u003eTreasury contribution: ~8–10% operating income (2024)\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/CANVAS-Content-Activities-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eBRI: IDR318T microloans, 38M BRImo users, low NPLs and strong treasury yield\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eBRI underwrites and services MSME loans (microloan book ~IDR 318T, 45% of loans; micro NPL 1.6% as of Dec 2025), builds BRImo (38M MAU Dec 2024; 62% retail txns), runs 120k+ financial-literacy trainees (2024) reducing NPLs, and manages deposits Rp1,300T with \u0026gt;Rp400T sovereign bonds; treasury income ~8–10% of 2024 operating income.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003eValue\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eMicroloan book\u003c\/td\u003e\n\u003ctd\u003eIDR 318 trillion (Dec 2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eMicro NPL\u003c\/td\u003e\n\u003ctd\u003e1.6% (Dec 2025)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eBRImo MAU\u003c\/td\u003e\n\u003ctd\u003e38 million (Dec 2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eRetail txn via BRImo\u003c\/td\u003e\n\u003ctd\u003e62% (Dec 2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eDeposits\u003c\/td\u003e\n\u003ctd\u003eIDR 1,300 trillion (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eGovt bonds\u003c\/td\u003e\n\u003ctd\u003e\u0026gt;IDR 400 trillion (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTreasury income\u003c\/td\u003e\n\u003ctd\u003e~8–10% operating income (2024)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003ch2\u003e\n\u003cspan style=\"color: #3BB77E;\"\u003eFull Document Unlocks After Purchase\u003c\/span\u003e\u003cbr\u003e Business Model Canvas\u003c\/h2\u003e\n\u003cp\u003eThe document you’re previewing is the actual Bank Rakyat Indonesia (BRI) Business Model Canvas you’ll receive—no mockups or samples. When you complete your purchase, you’ll get this exact file in full, ready-to-edit and formatted for use. What you see is the real deliverable, with all content and pages included—no surprises. Buy confidently: the preview equals the final product.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Explore-Preview.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e","brand":"MatrixBCG","offers":[{"title":"Default Title","offer_id":56749681967481,"sku":"bri-business-model-canvas","price":10.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0911\/3554\/1625\/files\/bri-business-model-canvas.png?v=1772216883","url":"https:\/\/matrixbcg.com\/products\/bri-business-model-canvas","provider":"MatrixBCG","version":"1.0","type":"link"}