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PT Bank Rakyat Indonesia (Persero) Tbk operates as one of Indonesia's largest financial institutions with a specialized focus on microfinance and retail banking services. The bank serves approximately 30 million retail clients through an extensive network of over 8,600 branches, units, and service posts distributed throughout the Indonesian archipelago. As the oldest banking institution in Indonesia and a pioneer in sustainable microfinance operations, the bank maintains the largest micro and SME loan portfolio in the country with over 15 million micro borrowers.
The institution operates through three primary business segments serving distinct customer bases. The Individual segment provides retail banking services including deposit accounts, personal loans, mortgages, credit cards, and wealth management products. The MSME segment focuses on micro, small, and medium enterprises with specialized financing solutions including working capital loans, microloans, investment financing, and supply chain financing. The Corporate segment serves large corporations and institutional clients with trade finance, treasury services, transaction banking, and capital market support.
Digital transformation represents a strategic priority for the bank, with substantial investments in mobile banking platforms, digital payment systems, and technology infrastructure. The digital banking ecosystem is supported by over 1.2 million banking agents, extensive merchant partnerships, and satellite infrastructure that enables service delivery from urban centers to remote areas. The bank operates as a state-owned enterprise with majority government ownership while maintaining publicly traded shares on the Indonesia Stock Exchange and American Depositary Receipts available on over-the-counter markets.
The comprehensive product portfolio includes deposit accounts, lending products across all customer segments, trade finance services, remittance and payment services, wealth management offerings, and financial services provided through subsidiaries operating in life insurance, general insurance, securities, venture capital, and Islamic banking. The institution's strategic focus on financial inclusion and mass-market banking has established its position as a leader in serving underserved populations throughout Indonesia.
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