Company Overview
General information about the Bank Rakyat Indonesia company
Bank Rakyat Indonesia, also known as BRI, is the oldest and one of the largest state-owned commercial banks in Indonesia. It was founded in 1895 and was initially known as "De Poerwokertosche Hulp en Spaarbank der Inlandsche Hoofden". In the first years of its establishment, BRI mainly served the financial needs of farmers, agricultural workers, and landowners. However, over the years, BRI has expanded its services to cater to a wider range of clients, including individuals, small businesses, and large corporations.
Today, BRI offers a wide range of banking and financial services, including savings and deposit accounts, loans and credit facilities, investment products, and electronic banking services. It also provides microfinance services to small businesses and micro-entrepreneurs through its subsidiary, Bank BRI Unit Desa (BPD).
BRI has a strong presence in Indonesia, with over 10,000 branch offices and more than 50,000 ATMs spread across the country. It also has a growing international presence, with branches and representative offices in several countries, including Singapore, Hong Kong, the United Kingdom, and Japan.
The company is committed to promoting financial inclusion and providing affordable financial services to the people of Indonesia, particularly those in rural and underprivileged areas. It also has a strong focus on sustainable development and has implemented various initiatives to support social and environmental causes.
Overall, Bank Rakyat Indonesia is a reputable and well-established company that plays a significant role in the Indonesian banking sector, contributing to the country's economic growth and development.
What is special about the Bank Rakyat Indonesia company?
1. Oldest and largest state-owned bank in Indonesia: Bank Rakyat Indonesia (BRI) was established in 1895, making it the oldest bank in Indonesia. It is also the largest state-owned bank in the country, with over 10,000 branches and more than 90 million customers.
2. Focus on microfinance: BRI is known for its strong focus on microfinance and providing financial services to small and medium-sized enterprises (SMEs). It has a dedicated program called "People's Business Credit" that offers microloans and training to small business owners and farmers.
3. Role in promoting financial inclusion: BRI plays a vital role in promoting financial inclusion in Indonesia, especially in rural and underdeveloped areas. It operates various programs and initiatives to provide access to financial services to the unbanked and underbanked population.
4. Strong presence in rural areas: BRI has a widespread network of branches in both urban and rural areas, with a strong presence in the latter. This allows the bank to reach the underserved population and support economic development in these areas.
5. Technologically advanced: BRI has invested heavily in technology and has a robust digital banking platform. It offers various digital services, such as internet banking, mobile banking, and e-wallet, making it more convenient for customers to access their accounts and conduct transactions.
6. Sustainable and social responsibility initiatives: BRI has various sustainability and social responsibility initiatives, such as promoting green finance, supporting education and healthcare, and disaster relief programs. It also has a program called BRI for a Better Future, which focuses on empowering women and youth in rural areas.
7. Strong financial performance: BRI has consistently shown strong financial performance over the years, with steady growth in profits and assets. It is considered one of the most stable and trusted banks in Indonesia.
8. Awards and recognition: BRI has received several awards and recognition for its excellent performance and contribution to the Indonesian banking industry. It has been recognized by various institutions and publications, including Forbes, The Economist, and Euromoney.
Interesting facts about the Bank Rakyat Indonesia company
CiAgICAgICAgICAgIDxk aXYgc3R5bGU9J3dpZHRo OiAxMDAlOyBkaXNwbGF5 OiBmbGV4OyBqdXN0aWZ5 LWNvbnRlbnQ6IGNlbnRl cjsnPgogICAgICAgICAg ICAgICAgPGRpdiBzdHls ZT0nCiAgICAgICAgICAg ICAgICAgICAgZGlzcGxh eTogZmxleDsKICAgICAg ICAgICAgICAgICAgICBh bGlnbi1pdGVtczogY2Vu dGVyOwogICAgICAgICAg ICAgICAgICAgIGJhY2tn cm91bmQtY29sb3I6ICNm MGY0Zjg7CiAgICAgICAg ICAgICAgICAgICAgYm9y ZGVyOiAxcHggc29saWQg I2QxZTNmMDsKICAgICAg ICAgICAgICAgICAgICBi b3JkZXItcmFkaXVzOiAx MHB4OwogICAgICAgICAg ICAgICAgICAgIHBhZGRp bmc6IDIwcHg7CiAgICAg ICAgICAgICAgICAgICAg bWFyZ2luOiAyMHB4IDA7 CiAgICAgICAgICAgICAg ICAgICAgZm9udC1mYW1p bHk6ICJTZWdvZSBVSSIs IFJvYm90bywgc2Fucy1z ZXJpZjsKICAgICAgICAg ICAgICAgICAgICBib3gt c2hhZG93OiAwIDJweCA2 cHggcmdiYSgwLCAwLCAw LCAwLjA1KTsKICAgICAg ICAgICAgICAgICAgICBt YXgtd2lkdGg6IDkwMHB4 OwogICAgICAgICAgICAg ICAgICAgIHdpZHRoOiAx MDAlOyc+CgogICAgICAg ICAgICAgICAgICAgIDwh LS0gWVlZOiBJbnNlcnQg eW91ciBsb2dvIGltYWdl IGhlcmUgLS0+CiAgICAg ICAgICAgICAgICAgICAg PGltZyBzcmM9ImFzc2V0 cy9sb2dvcy94QnFBMnZR ZUVJSjJpdVdOTDJNMC53 ZWJwIiBhbHQ9IkJhbmsg UmFreWF0IEluZG9uZXNp YSIgdGl0bGU9IkJhbmsg UmFreWF0IEluZG9uZXNp YSIgY2xhc3M9ImltZy1m bHVpZCIgaGVpZ2h0PTkw IHdpZHRoPTkwIGxvYWRp bmc9J2xhenknPgoKICAg ICAgICAgICAgICAgICAg ICA8ZGl2IHN0eWxlPSdm bGV4OiAxOyB0ZXh0LWFs aWduOiBjZW50ZXI7IG1h cmdpbi1sZWZ0OiA1cHg7 Jz4KICAgICAgICAgICAg ICAgICAgICAgICAgPHAg c3R5bGU9J2ZvbnQtc2l6 ZTogMjZweDsgY29sb3I6 ICMzMzM7IG1hcmdpbi1i b3R0b206IDE1cHg7Jz4K ICAgICAgICAgICAgICAg ICAgICAgICAgICAgIFdh bnQgdG8gcmVhZCBtb3Jl IGFib3V0IEJhbmsgUmFr eWF0IEluZG9uZXNpYT8K ICAgICAgICAgICAgICAg ICAgICAgICAgPC9wPgoK ICAgICAgICAgICAgICAg ICAgICAgICAgPGEgaHJl Zj0naW5kZXgucGhwP3Bh Z2U9c2lnbnVwJyBzdHls ZT0nCiAgICAgICAgICAg ICAgICAgICAgICAgICAg ICBiYWNrZ3JvdW5kLWNv bG9yOiAjMDA3QkZGOwog ICAgICAgICAgICAgICAg ICAgICAgICAgICAgY29s b3I6ICNmZmY7CiAgICAg ICAgICAgICAgICAgICAg ICAgICAgICBwYWRkaW5n OiAxMHB4IDIwcHg7CiAg ICAgICAgICAgICAgICAg ICAgICAgICAgICBib3Jk ZXItcmFkaXVzOiA1cHg7 CiAgICAgICAgICAgICAg ICAgICAgICAgICAgICB0 ZXh0LWRlY29yYXRpb246 IG5vbmU7CiAgICAgICAg ICAgICAgICAgICAgICAg ICAgICBmb250LXdlaWdo dDogYm9sZDsKICAgICAg ICAgICAgICAgICAgICAg ICAgICAgIG1hcmdpbi1y aWdodDogMTBweDsKICAg ICAgICAgICAgICAgICAg ICAgICAgICAgIHRyYW5z aXRpb246IGJhY2tncm91 bmQtY29sb3IgMC4zcyBl YXNlOycKICAgICAgICAg ICAgICAgICAgICAgICAg ICAgIG9ubW91c2VvdmVy PSd0aGlzLnN0eWxlLmJh Y2tncm91bmRDb2xvcj0i IzAwNTZiMyIKICAgICAg ICAgICAgICAgICAgICAg ICAgICAgIG9ubW91c2Vv dXQ9J3RoaXMuc3R5bGUu YmFja2dyb3VuZENvbG9y PSIjMDA3QkZGIj4KICAg ICAgICAgICAgICAgICAg ICAgICAgICAgIFNpZ24g dXAgZm9yIGZyZWUKICAg ICAgICAgICAgICAgICAg ICAgICAgPC9hPgoKICAg ICAgICAgICAgICAgICAg ICAgICAgPHNwYW4gc3R5 bGU9J21hcmdpbjogMCA4 cHg7IGNvbG9yOiAjNTU1 Oyc+b3I8L3NwYW4+Cgog ICAgICAgICAgICAgICAg ICAgICAgICA8YSBocmVm PSdpbmRleC5waHA/cGFn ZT1sb2dpbicgc3R5bGU9 JwogICAgICAgICAgICAg ICAgICAgICAgICAgICAg Y29sb3I6ICMwMDdCRkY7 CiAgICAgICAgICAgICAg ICAgICAgICAgICAgICB0 ZXh0LWRlY29yYXRpb246 IHVuZGVybGluZTsKICAg ICAgICAgICAgICAgICAg ICAgICAgICAgIGZvbnQt d2VpZ2h0OiA1MDA7Jz4K ICAgICAgICAgICAgICAg ICAgICAgICAgICAgIGxv ZyBpbgogICAgICAgICAg ICAgICAgICAgICAgICA8 L2E+CiAgICAgICAgICAg ICAgICAgICAgPC9kaXY+ CiAgICAgICAgICAgICAg ICA8L2Rpdj4KICAgICAg ICAgICAgPC9kaXY+Cgog ICAgICAgICAgICA=
What is the Bank Rakyat Indonesia company's primary line of business?
CiAgICAgICAgICAgIDxk aXYgc3R5bGU9J3dpZHRo OiAxMDAlOyBkaXNwbGF5 OiBmbGV4OyBqdXN0aWZ5 LWNvbnRlbnQ6IGNlbnRl cjsnPgogICAgICAgICAg ICAgICAgPGRpdiBzdHls ZT0nCiAgICAgICAgICAg ICAgICAgICAgZGlzcGxh eTogZmxleDsKICAgICAg ICAgICAgICAgICAgICBh bGlnbi1pdGVtczogY2Vu dGVyOwogICAgICAgICAg ICAgICAgICAgIGJhY2tn cm91bmQtY29sb3I6ICNm MGY0Zjg7CiAgICAgICAg ICAgICAgICAgICAgYm9y ZGVyOiAxcHggc29saWQg I2QxZTNmMDsKICAgICAg ICAgICAgICAgICAgICBi b3JkZXItcmFkaXVzOiAx MHB4OwogICAgICAgICAg ICAgICAgICAgIHBhZGRp bmc6IDIwcHg7CiAgICAg ICAgICAgICAgICAgICAg bWFyZ2luOiAyMHB4IDA7 CiAgICAgICAgICAgICAg ICAgICAgZm9udC1mYW1p bHk6ICJTZWdvZSBVSSIs IFJvYm90bywgc2Fucy1z ZXJpZjsKICAgICAgICAg ICAgICAgICAgICBib3gt c2hhZG93OiAwIDJweCA2 cHggcmdiYSgwLCAwLCAw LCAwLjA1KTsKICAgICAg ICAgICAgICAgICAgICBt YXgtd2lkdGg6IDkwMHB4 OwogICAgICAgICAgICAg ICAgICAgIHdpZHRoOiAx MDAlOyc+CgogICAgICAg ICAgICAgICAgICAgIDwh LS0gWVlZOiBJbnNlcnQg eW91ciBsb2dvIGltYWdl IGhlcmUgLS0+CiAgICAg ICAgICAgICAgICAgICAg PGltZyBzcmM9ImFzc2V0 cy9sb2dvcy94QnFBMnZR ZUVJSjJpdVdOTDJNMC53 ZWJwIiBhbHQ9IkJhbmsg UmFreWF0IEluZG9uZXNp YSIgdGl0bGU9IkJhbmsg UmFreWF0IEluZG9uZXNp YSIgY2xhc3M9ImltZy1m bHVpZCIgaGVpZ2h0PTkw IHdpZHRoPTkwIGxvYWRp bmc9J2xhenknPgoKICAg ICAgICAgICAgICAgICAg ICA8ZGl2IHN0eWxlPSdm bGV4OiAxOyB0ZXh0LWFs aWduOiBjZW50ZXI7IG1h cmdpbi1sZWZ0OiA1cHg7 Jz4KICAgICAgICAgICAg ICAgICAgICAgICAgPHAg c3R5bGU9J2ZvbnQtc2l6 ZTogMjZweDsgY29sb3I6 ICMzMzM7IG1hcmdpbi1i b3R0b206IDE1cHg7Jz4K ICAgICAgICAgICAgICAg ICAgICAgICAgICAgIFdh bnQgdG8gcmVhZCBtb3Jl IGFib3V0IEJhbmsgUmFr eWF0IEluZG9uZXNpYT8K ICAgICAgICAgICAgICAg ICAgICAgICAgPC9wPgoK ICAgICAgICAgICAgICAg ICAgICAgICAgPGEgaHJl Zj0naW5kZXgucGhwP3Bh Z2U9c2lnbnVwJyBzdHls ZT0nCiAgICAgICAgICAg ICAgICAgICAgICAgICAg ICBiYWNrZ3JvdW5kLWNv bG9yOiAjMDA3QkZGOwog ICAgICAgICAgICAgICAg ICAgICAgICAgICAgY29s b3I6ICNmZmY7CiAgICAg ICAgICAgICAgICAgICAg ICAgICAgICBwYWRkaW5n OiAxMHB4IDIwcHg7CiAg ICAgICAgICAgICAgICAg ICAgICAgICAgICBib3Jk ZXItcmFkaXVzOiA1cHg7 CiAgICAgICAgICAgICAg ICAgICAgICAgICAgICB0 ZXh0LWRlY29yYXRpb246 IG5vbmU7CiAgICAgICAg ICAgICAgICAgICAgICAg ICAgICBmb250LXdlaWdo dDogYm9sZDsKICAgICAg ICAgICAgICAgICAgICAg ICAgICAgIG1hcmdpbi1y aWdodDogMTBweDsKICAg ICAgICAgICAgICAgICAg ICAgICAgICAgIHRyYW5z aXRpb246IGJhY2tncm91 bmQtY29sb3IgMC4zcyBl YXNlOycKICAgICAgICAg ICAgICAgICAgICAgICAg ICAgIG9ubW91c2VvdmVy PSd0aGlzLnN0eWxlLmJh Y2tncm91bmRDb2xvcj0i IzAwNTZiMyIKICAgICAg ICAgICAgICAgICAgICAg ICAgICAgIG9ubW91c2Vv dXQ9J3RoaXMuc3R5bGUu YmFja2dyb3VuZENvbG9y PSIjMDA3QkZGIj4KICAg ICAgICAgICAgICAgICAg ICAgICAgICAgIFNpZ24g dXAgZm9yIGZyZWUKICAg ICAgICAgICAgICAgICAg ICAgICAgPC9hPgoKICAg ICAgICAgICAgICAgICAg ICAgICAgPHNwYW4gc3R5 bGU9J21hcmdpbjogMCA4 cHg7IGNvbG9yOiAjNTU1 Oyc+b3I8L3NwYW4+Cgog ICAgICAgICAgICAgICAg ICAgICAgICA8YSBocmVm PSdpbmRleC5waHA/cGFn ZT1sb2dpbicgc3R5bGU9 JwogICAgICAgICAgICAg ICAgICAgICAgICAgICAg Y29sb3I6ICMwMDdCRkY7 CiAgICAgICAgICAgICAg ICAgICAgICAgICAgICB0 ZXh0LWRlY29yYXRpb246 IHVuZGVybGluZTsKICAg ICAgICAgICAgICAgICAg ICAgICAgICAgIGZvbnQt d2VpZ2h0OiA1MDA7Jz4K ICAgICAgICAgICAgICAg ICAgICAgICAgICAgIGxv ZyBpbgogICAgICAgICAg ICAgICAgICAgICAgICA8 L2E+CiAgICAgICAgICAg ICAgICAgICAgPC9kaXY+ CiAgICAgICAgICAgICAg ICA8L2Rpdj4KICAgICAg ICAgICAgPC9kaXY+Cgog ICAgICAgICAgICA=
What is the market opportunity of the Bank Rakyat Indonesia company?
CiAgICAgICAgICAgIDxk aXYgc3R5bGU9J3dpZHRo OiAxMDAlOyBkaXNwbGF5 OiBmbGV4OyBqdXN0aWZ5 LWNvbnRlbnQ6IGNlbnRl cjsnPgogICAgICAgICAg ICAgICAgPGRpdiBzdHls ZT0nCiAgICAgICAgICAg ICAgICAgICAgZGlzcGxh eTogZmxleDsKICAgICAg ICAgICAgICAgICAgICBh bGlnbi1pdGVtczogY2Vu dGVyOwogICAgICAgICAg ICAgICAgICAgIGJhY2tn cm91bmQtY29sb3I6ICNm MGY0Zjg7CiAgICAgICAg ICAgICAgICAgICAgYm9y ZGVyOiAxcHggc29saWQg I2QxZTNmMDsKICAgICAg ICAgICAgICAgICAgICBi b3JkZXItcmFkaXVzOiAx MHB4OwogICAgICAgICAg ICAgICAgICAgIHBhZGRp bmc6IDIwcHg7CiAgICAg ICAgICAgICAgICAgICAg bWFyZ2luOiAyMHB4IDA7 CiAgICAgICAgICAgICAg ICAgICAgZm9udC1mYW1p bHk6ICJTZWdvZSBVSSIs IFJvYm90bywgc2Fucy1z ZXJpZjsKICAgICAgICAg ICAgICAgICAgICBib3gt c2hhZG93OiAwIDJweCA2 cHggcmdiYSgwLCAwLCAw LCAwLjA1KTsKICAgICAg ICAgICAgICAgICAgICBt YXgtd2lkdGg6IDkwMHB4 OwogICAgICAgICAgICAg ICAgICAgIHdpZHRoOiAx MDAlOyc+CgogICAgICAg ICAgICAgICAgICAgIDwh LS0gWVlZOiBJbnNlcnQg eW91ciBsb2dvIGltYWdl IGhlcmUgLS0+CiAgICAg ICAgICAgICAgICAgICAg PGltZyBzcmM9ImFzc2V0 cy9sb2dvcy94QnFBMnZR ZUVJSjJpdVdOTDJNMC53 ZWJwIiBhbHQ9IkJhbmsg UmFreWF0IEluZG9uZXNp YSIgdGl0bGU9IkJhbmsg UmFreWF0IEluZG9uZXNp YSIgY2xhc3M9ImltZy1m bHVpZCIgaGVpZ2h0PTkw IHdpZHRoPTkwIGxvYWRp bmc9J2xhenknPgoKICAg ICAgICAgICAgICAgICAg ICA8ZGl2IHN0eWxlPSdm bGV4OiAxOyB0ZXh0LWFs aWduOiBjZW50ZXI7IG1h cmdpbi1sZWZ0OiA1cHg7 Jz4KICAgICAgICAgICAg ICAgICAgICAgICAgPHAg c3R5bGU9J2ZvbnQtc2l6 ZTogMjZweDsgY29sb3I6 ICMzMzM7IG1hcmdpbi1i b3R0b206IDE1cHg7Jz4K ICAgICAgICAgICAgICAg ICAgICAgICAgICAgIFdh bnQgdG8gcmVhZCBtb3Jl IGFib3V0IEJhbmsgUmFr eWF0IEluZG9uZXNpYT8K ICAgICAgICAgICAgICAg ICAgICAgICAgPC9wPgoK ICAgICAgICAgICAgICAg ICAgICAgICAgPGEgaHJl Zj0naW5kZXgucGhwP3Bh Z2U9c2lnbnVwJyBzdHls ZT0nCiAgICAgICAgICAg ICAgICAgICAgICAgICAg ICBiYWNrZ3JvdW5kLWNv bG9yOiAjMDA3QkZGOwog ICAgICAgICAgICAgICAg ICAgICAgICAgICAgY29s b3I6ICNmZmY7CiAgICAg ICAgICAgICAgICAgICAg ICAgICAgICBwYWRkaW5n OiAxMHB4IDIwcHg7CiAg ICAgICAgICAgICAgICAg ICAgICAgICAgICBib3Jk ZXItcmFkaXVzOiA1cHg7 CiAgICAgICAgICAgICAg ICAgICAgICAgICAgICB0 ZXh0LWRlY29yYXRpb246 IG5vbmU7CiAgICAgICAg ICAgICAgICAgICAgICAg ICAgICBmb250LXdlaWdo dDogYm9sZDsKICAgICAg ICAgICAgICAgICAgICAg ICAgICAgIG1hcmdpbi1y aWdodDogMTBweDsKICAg ICAgICAgICAgICAgICAg ICAgICAgICAgIHRyYW5z aXRpb246IGJhY2tncm91 bmQtY29sb3IgMC4zcyBl YXNlOycKICAgICAgICAg ICAgICAgICAgICAgICAg ICAgIG9ubW91c2VvdmVy PSd0aGlzLnN0eWxlLmJh Y2tncm91bmRDb2xvcj0i IzAwNTZiMyIKICAgICAg ICAgICAgICAgICAgICAg ICAgICAgIG9ubW91c2Vv dXQ9J3RoaXMuc3R5bGUu YmFja2dyb3VuZENvbG9y PSIjMDA3QkZGIj4KICAg ICAgICAgICAgICAgICAg ICAgICAgICAgIFNpZ24g dXAgZm9yIGZyZWUKICAg ICAgICAgICAgICAgICAg ICAgICAgPC9hPgoKICAg ICAgICAgICAgICAgICAg ICAgICAgPHNwYW4gc3R5 bGU9J21hcmdpbjogMCA4 cHg7IGNvbG9yOiAjNTU1 Oyc+b3I8L3NwYW4+Cgog ICAgICAgICAgICAgICAg ICAgICAgICA8YSBocmVm PSdpbmRleC5waHA/cGFn ZT1sb2dpbicgc3R5bGU9 JwogICAgICAgICAgICAg ICAgICAgICAgICAgICAg Y29sb3I6ICMwMDdCRkY7 CiAgICAgICAgICAgICAg ICAgICAgICAgICAgICB0 ZXh0LWRlY29yYXRpb246 IHVuZGVybGluZTsKICAg ICAgICAgICAgICAgICAg ICAgICAgICAgIGZvbnQt d2VpZ2h0OiA1MDA7Jz4K ICAgICAgICAgICAgICAg ICAgICAgICAgICAgIGxv ZyBpbgogICAgICAgICAg ICAgICAgICAgICAgICA8 L2E+CiAgICAgICAgICAg ICAgICAgICAgPC9kaXY+ CiAgICAgICAgICAgICAg ICA8L2Rpdj4KICAgICAg ICAgICAgPC9kaXY+Cgog ICAgICAgICAgICA=
SWOT analysis of the Bank Rakyat Indonesia company
CiAgICAgICAgICAgIDxk aXYgc3R5bGU9J3dpZHRo OiAxMDAlOyBkaXNwbGF5 OiBmbGV4OyBqdXN0aWZ5 LWNvbnRlbnQ6IGNlbnRl cjsnPgogICAgICAgICAg ICAgICAgPGRpdiBzdHls ZT0nCiAgICAgICAgICAg ICAgICAgICAgZGlzcGxh eTogZmxleDsKICAgICAg ICAgICAgICAgICAgICBh bGlnbi1pdGVtczogY2Vu dGVyOwogICAgICAgICAg ICAgICAgICAgIGJhY2tn cm91bmQtY29sb3I6ICNm MGY0Zjg7CiAgICAgICAg ICAgICAgICAgICAgYm9y ZGVyOiAxcHggc29saWQg I2QxZTNmMDsKICAgICAg ICAgICAgICAgICAgICBi b3JkZXItcmFkaXVzOiAx MHB4OwogICAgICAgICAg ICAgICAgICAgIHBhZGRp bmc6IDIwcHg7CiAgICAg ICAgICAgICAgICAgICAg bWFyZ2luOiAyMHB4IDA7 CiAgICAgICAgICAgICAg ICAgICAgZm9udC1mYW1p bHk6ICJTZWdvZSBVSSIs IFJvYm90bywgc2Fucy1z ZXJpZjsKICAgICAgICAg ICAgICAgICAgICBib3gt c2hhZG93OiAwIDJweCA2 cHggcmdiYSgwLCAwLCAw LCAwLjA1KTsKICAgICAg ICAgICAgICAgICAgICBt YXgtd2lkdGg6IDkwMHB4 OwogICAgICAgICAgICAg ICAgICAgIHdpZHRoOiAx MDAlOyc+CgogICAgICAg ICAgICAgICAgICAgIDwh LS0gWVlZOiBJbnNlcnQg eW91ciBsb2dvIGltYWdl IGhlcmUgLS0+CiAgICAg ICAgICAgICAgICAgICAg PGltZyBzcmM9ImFzc2V0 cy9sb2dvcy94QnFBMnZR ZUVJSjJpdVdOTDJNMC53 ZWJwIiBhbHQ9IkJhbmsg UmFreWF0IEluZG9uZXNp YSIgdGl0bGU9IkJhbmsg UmFreWF0IEluZG9uZXNp YSIgY2xhc3M9ImltZy1m bHVpZCIgaGVpZ2h0PTkw IHdpZHRoPTkwIGxvYWRp bmc9J2xhenknPgoKICAg ICAgICAgICAgICAgICAg ICA8ZGl2IHN0eWxlPSdm bGV4OiAxOyB0ZXh0LWFs aWduOiBjZW50ZXI7IG1h cmdpbi1sZWZ0OiA1cHg7 Jz4KICAgICAgICAgICAg ICAgICAgICAgICAgPHAg c3R5bGU9J2ZvbnQtc2l6 ZTogMjZweDsgY29sb3I6 ICMzMzM7IG1hcmdpbi1i b3R0b206IDE1cHg7Jz4K ICAgICAgICAgICAgICAg ICAgICAgICAgICAgIFdh bnQgdG8gcmVhZCBtb3Jl IGFib3V0IEJhbmsgUmFr eWF0IEluZG9uZXNpYT8K ICAgICAgICAgICAgICAg ICAgICAgICAgPC9wPgoK ICAgICAgICAgICAgICAg ICAgICAgICAgPGEgaHJl Zj0naW5kZXgucGhwP3Bh Z2U9c2lnbnVwJyBzdHls ZT0nCiAgICAgICAgICAg ICAgICAgICAgICAgICAg ICBiYWNrZ3JvdW5kLWNv bG9yOiAjMDA3QkZGOwog ICAgICAgICAgICAgICAg ICAgICAgICAgICAgY29s b3I6ICNmZmY7CiAgICAg ICAgICAgICAgICAgICAg ICAgICAgICBwYWRkaW5n OiAxMHB4IDIwcHg7CiAg ICAgICAgICAgICAgICAg ICAgICAgICAgICBib3Jk ZXItcmFkaXVzOiA1cHg7 CiAgICAgICAgICAgICAg ICAgICAgICAgICAgICB0 ZXh0LWRlY29yYXRpb246 IG5vbmU7CiAgICAgICAg ICAgICAgICAgICAgICAg ICAgICBmb250LXdlaWdo dDogYm9sZDsKICAgICAg ICAgICAgICAgICAgICAg ICAgICAgIG1hcmdpbi1y aWdodDogMTBweDsKICAg ICAgICAgICAgICAgICAg ICAgICAgICAgIHRyYW5z aXRpb246IGJhY2tncm91 bmQtY29sb3IgMC4zcyBl YXNlOycKICAgICAgICAg ICAgICAgICAgICAgICAg ICAgIG9ubW91c2VvdmVy PSd0aGlzLnN0eWxlLmJh Y2tncm91bmRDb2xvcj0i IzAwNTZiMyIKICAgICAg ICAgICAgICAgICAgICAg ICAgICAgIG9ubW91c2Vv dXQ9J3RoaXMuc3R5bGUu YmFja2dyb3VuZENvbG9y PSIjMDA3QkZGIj4KICAg ICAgICAgICAgICAgICAg ICAgICAgICAgIFNpZ24g dXAgZm9yIGZyZWUKICAg ICAgICAgICAgICAgICAg ICAgICAgPC9hPgoKICAg ICAgICAgICAgICAgICAg ICAgICAgPHNwYW4gc3R5 bGU9J21hcmdpbjogMCA4 cHg7IGNvbG9yOiAjNTU1 Oyc+b3I8L3NwYW4+Cgog ICAgICAgICAgICAgICAg ICAgICAgICA8YSBocmVm PSdpbmRleC5waHA/cGFn ZT1sb2dpbicgc3R5bGU9 JwogICAgICAgICAgICAg ICAgICAgICAgICAgICAg Y29sb3I6ICMwMDdCRkY7 CiAgICAgICAgICAgICAg ICAgICAgICAgICAgICB0 ZXh0LWRlY29yYXRpb246 IHVuZGVybGluZTsKICAg ICAgICAgICAgICAgICAg ICAgICAgICAgIGZvbnQt d2VpZ2h0OiA1MDA7Jz4K ICAgICAgICAgICAgICAg ICAgICAgICAgICAgIGxv ZyBpbgogICAgICAgICAg ICAgICAgICAgICAgICA8 L2E+CiAgICAgICAgICAg ICAgICAgICAgPC9kaXY+ CiAgICAgICAgICAgICAg ICA8L2Rpdj4KICAgICAg ICAgICAgPC9kaXY+Cgog ICAgICAgICAgICA=
Porter's Five Forces analysis for the Bank Rakyat Indonesia company
CiAgICAgICAgICAgIDxk aXYgc3R5bGU9J3dpZHRo OiAxMDAlOyBkaXNwbGF5 OiBmbGV4OyBqdXN0aWZ5 LWNvbnRlbnQ6IGNlbnRl cjsnPgogICAgICAgICAg ICAgICAgPGRpdiBzdHls ZT0nCiAgICAgICAgICAg ICAgICAgICAgZGlzcGxh eTogZmxleDsKICAgICAg ICAgICAgICAgICAgICBh bGlnbi1pdGVtczogY2Vu dGVyOwogICAgICAgICAg ICAgICAgICAgIGJhY2tn cm91bmQtY29sb3I6ICNm MGY0Zjg7CiAgICAgICAg ICAgICAgICAgICAgYm9y ZGVyOiAxcHggc29saWQg I2QxZTNmMDsKICAgICAg ICAgICAgICAgICAgICBi b3JkZXItcmFkaXVzOiAx MHB4OwogICAgICAgICAg ICAgICAgICAgIHBhZGRp bmc6IDIwcHg7CiAgICAg ICAgICAgICAgICAgICAg bWFyZ2luOiAyMHB4IDA7 CiAgICAgICAgICAgICAg ICAgICAgZm9udC1mYW1p bHk6ICJTZWdvZSBVSSIs IFJvYm90bywgc2Fucy1z ZXJpZjsKICAgICAgICAg ICAgICAgICAgICBib3gt c2hhZG93OiAwIDJweCA2 cHggcmdiYSgwLCAwLCAw LCAwLjA1KTsKICAgICAg ICAgICAgICAgICAgICBt YXgtd2lkdGg6IDkwMHB4 OwogICAgICAgICAgICAg ICAgICAgIHdpZHRoOiAx MDAlOyc+CgogICAgICAg ICAgICAgICAgICAgIDwh LS0gWVlZOiBJbnNlcnQg eW91ciBsb2dvIGltYWdl IGhlcmUgLS0+CiAgICAg ICAgICAgICAgICAgICAg PGltZyBzcmM9ImFzc2V0 cy9sb2dvcy94QnFBMnZR ZUVJSjJpdVdOTDJNMC53 ZWJwIiBhbHQ9IkJhbmsg UmFreWF0IEluZG9uZXNp YSIgdGl0bGU9IkJhbmsg UmFreWF0IEluZG9uZXNp YSIgY2xhc3M9ImltZy1m bHVpZCIgaGVpZ2h0PTkw IHdpZHRoPTkwIGxvYWRp bmc9J2xhenknPgoKICAg ICAgICAgICAgICAgICAg ICA8ZGl2IHN0eWxlPSdm bGV4OiAxOyB0ZXh0LWFs aWduOiBjZW50ZXI7IG1h cmdpbi1sZWZ0OiA1cHg7 Jz4KICAgICAgICAgICAg ICAgICAgICAgICAgPHAg c3R5bGU9J2ZvbnQtc2l6 ZTogMjZweDsgY29sb3I6 ICMzMzM7IG1hcmdpbi1i b3R0b206IDE1cHg7Jz4K ICAgICAgICAgICAgICAg ICAgICAgICAgICAgIFdh bnQgdG8gcmVhZCBtb3Jl IGFib3V0IEJhbmsgUmFr eWF0IEluZG9uZXNpYT8K ICAgICAgICAgICAgICAg ICAgICAgICAgPC9wPgoK ICAgICAgICAgICAgICAg ICAgICAgICAgPGEgaHJl Zj0naW5kZXgucGhwP3Bh Z2U9c2lnbnVwJyBzdHls ZT0nCiAgICAgICAgICAg ICAgICAgICAgICAgICAg ICBiYWNrZ3JvdW5kLWNv bG9yOiAjMDA3QkZGOwog ICAgICAgICAgICAgICAg ICAgICAgICAgICAgY29s b3I6ICNmZmY7CiAgICAg ICAgICAgICAgICAgICAg ICAgICAgICBwYWRkaW5n OiAxMHB4IDIwcHg7CiAg ICAgICAgICAgICAgICAg ICAgICAgICAgICBib3Jk ZXItcmFkaXVzOiA1cHg7 CiAgICAgICAgICAgICAg ICAgICAgICAgICAgICB0 ZXh0LWRlY29yYXRpb246 IG5vbmU7CiAgICAgICAg ICAgICAgICAgICAgICAg ICAgICBmb250LXdlaWdo dDogYm9sZDsKICAgICAg ICAgICAgICAgICAgICAg ICAgICAgIG1hcmdpbi1y aWdodDogMTBweDsKICAg ICAgICAgICAgICAgICAg ICAgICAgICAgIHRyYW5z aXRpb246IGJhY2tncm91 bmQtY29sb3IgMC4zcyBl YXNlOycKICAgICAgICAg ICAgICAgICAgICAgICAg ICAgIG9ubW91c2VvdmVy PSd0aGlzLnN0eWxlLmJh Y2tncm91bmRDb2xvcj0i IzAwNTZiMyIKICAgICAg ICAgICAgICAgICAgICAg ICAgICAgIG9ubW91c2Vv dXQ9J3RoaXMuc3R5bGUu YmFja2dyb3VuZENvbG9y PSIjMDA3QkZGIj4KICAg ICAgICAgICAgICAgICAg ICAgICAgICAgIFNpZ24g dXAgZm9yIGZyZWUKICAg ICAgICAgICAgICAgICAg ICAgICAgPC9hPgoKICAg ICAgICAgICAgICAgICAg ICAgICAgPHNwYW4gc3R5 bGU9J21hcmdpbjogMCA4 cHg7IGNvbG9yOiAjNTU1 Oyc+b3I8L3NwYW4+Cgog ICAgICAgICAgICAgICAg ICAgICAgICA8YSBocmVm PSdpbmRleC5waHA/cGFn ZT1sb2dpbicgc3R5bGU9 JwogICAgICAgICAgICAg ICAgICAgICAgICAgICAg Y29sb3I6ICMwMDdCRkY7 CiAgICAgICAgICAgICAg ICAgICAgICAgICAgICB0 ZXh0LWRlY29yYXRpb246 IHVuZGVybGluZTsKICAg ICAgICAgICAgICAgICAg ICAgICAgICAgIGZvbnQt d2VpZ2h0OiA1MDA7Jz4K ICAgICAgICAgICAgICAg ICAgICAgICAgICAgIGxv ZyBpbgogICAgICAgICAg ICAgICAgICAgICAgICA8 L2E+CiAgICAgICAgICAg ICAgICAgICAgPC9kaXY+ CiAgICAgICAgICAgICAg ICA8L2Rpdj4KICAgICAg ICAgICAgPC9kaXY+Cgog ICAgICAgICAgICA=
What is the Bank Rakyat Indonesia company's business model?
CiAgICAgICAgICAgIDxk aXYgc3R5bGU9J3dpZHRo OiAxMDAlOyBkaXNwbGF5 OiBmbGV4OyBqdXN0aWZ5 LWNvbnRlbnQ6IGNlbnRl cjsnPgogICAgICAgICAg ICAgICAgPGRpdiBzdHls ZT0nCiAgICAgICAgICAg ICAgICAgICAgZGlzcGxh eTogZmxleDsKICAgICAg ICAgICAgICAgICAgICBh bGlnbi1pdGVtczogY2Vu dGVyOwogICAgICAgICAg ICAgICAgICAgIGJhY2tn cm91bmQtY29sb3I6ICNm MGY0Zjg7CiAgICAgICAg ICAgICAgICAgICAgYm9y ZGVyOiAxcHggc29saWQg I2QxZTNmMDsKICAgICAg ICAgICAgICAgICAgICBi b3JkZXItcmFkaXVzOiAx MHB4OwogICAgICAgICAg ICAgICAgICAgIHBhZGRp bmc6IDIwcHg7CiAgICAg ICAgICAgICAgICAgICAg bWFyZ2luOiAyMHB4IDA7 CiAgICAgICAgICAgICAg ICAgICAgZm9udC1mYW1p bHk6ICJTZWdvZSBVSSIs IFJvYm90bywgc2Fucy1z ZXJpZjsKICAgICAgICAg ICAgICAgICAgICBib3gt c2hhZG93OiAwIDJweCA2 cHggcmdiYSgwLCAwLCAw LCAwLjA1KTsKICAgICAg ICAgICAgICAgICAgICBt YXgtd2lkdGg6IDkwMHB4 OwogICAgICAgICAgICAg ICAgICAgIHdpZHRoOiAx MDAlOyc+CgogICAgICAg ICAgICAgICAgICAgIDwh LS0gWVlZOiBJbnNlcnQg eW91ciBsb2dvIGltYWdl IGhlcmUgLS0+CiAgICAg ICAgICAgICAgICAgICAg PGltZyBzcmM9ImFzc2V0 cy9sb2dvcy94QnFBMnZR ZUVJSjJpdVdOTDJNMC53 ZWJwIiBhbHQ9IkJhbmsg UmFreWF0IEluZG9uZXNp YSIgdGl0bGU9IkJhbmsg UmFreWF0IEluZG9uZXNp YSIgY2xhc3M9ImltZy1m bHVpZCIgaGVpZ2h0PTkw IHdpZHRoPTkwIGxvYWRp bmc9J2xhenknPgoKICAg ICAgICAgICAgICAgICAg ICA8ZGl2IHN0eWxlPSdm bGV4OiAxOyB0ZXh0LWFs aWduOiBjZW50ZXI7IG1h cmdpbi1sZWZ0OiA1cHg7 Jz4KICAgICAgICAgICAg ICAgICAgICAgICAgPHAg c3R5bGU9J2ZvbnQtc2l6 ZTogMjZweDsgY29sb3I6 ICMzMzM7IG1hcmdpbi1i b3R0b206IDE1cHg7Jz4K ICAgICAgICAgICAgICAg ICAgICAgICAgICAgIFdh bnQgdG8gcmVhZCBtb3Jl IGFib3V0IEJhbmsgUmFr eWF0IEluZG9uZXNpYT8K ICAgICAgICAgICAgICAg ICAgICAgICAgPC9wPgoK ICAgICAgICAgICAgICAg ICAgICAgICAgPGEgaHJl Zj0naW5kZXgucGhwP3Bh Z2U9c2lnbnVwJyBzdHls ZT0nCiAgICAgICAgICAg ICAgICAgICAgICAgICAg ICBiYWNrZ3JvdW5kLWNv bG9yOiAjMDA3QkZGOwog ICAgICAgICAgICAgICAg ICAgICAgICAgICAgY29s b3I6ICNmZmY7CiAgICAg ICAgICAgICAgICAgICAg ICAgICAgICBwYWRkaW5n OiAxMHB4IDIwcHg7CiAg ICAgICAgICAgICAgICAg ICAgICAgICAgICBib3Jk ZXItcmFkaXVzOiA1cHg7 CiAgICAgICAgICAgICAg ICAgICAgICAgICAgICB0 ZXh0LWRlY29yYXRpb246 IG5vbmU7CiAgICAgICAg ICAgICAgICAgICAgICAg ICAgICBmb250LXdlaWdo dDogYm9sZDsKICAgICAg ICAgICAgICAgICAgICAg ICAgICAgIG1hcmdpbi1y aWdodDogMTBweDsKICAg ICAgICAgICAgICAgICAg ICAgICAgICAgIHRyYW5z aXRpb246IGJhY2tncm91 bmQtY29sb3IgMC4zcyBl YXNlOycKICAgICAgICAg ICAgICAgICAgICAgICAg ICAgIG9ubW91c2VvdmVy PSd0aGlzLnN0eWxlLmJh Y2tncm91bmRDb2xvcj0i IzAwNTZiMyIKICAgICAg ICAgICAgICAgICAgICAg ICAgICAgIG9ubW91c2Vv dXQ9J3RoaXMuc3R5bGUu YmFja2dyb3VuZENvbG9y PSIjMDA3QkZGIj4KICAg ICAgICAgICAgICAgICAg ICAgICAgICAgIFNpZ24g dXAgZm9yIGZyZWUKICAg ICAgICAgICAgICAgICAg ICAgICAgPC9hPgoKICAg ICAgICAgICAgICAgICAg ICAgICAgPHNwYW4gc3R5 bGU9J21hcmdpbjogMCA4 cHg7IGNvbG9yOiAjNTU1 Oyc+b3I8L3NwYW4+Cgog ICAgICAgICAgICAgICAg ICAgICAgICA8YSBocmVm PSdpbmRleC5waHA/cGFn ZT1sb2dpbicgc3R5bGU9 JwogICAgICAgICAgICAg ICAgICAgICAgICAgICAg Y29sb3I6ICMwMDdCRkY7 CiAgICAgICAgICAgICAg ICAgICAgICAgICAgICB0 ZXh0LWRlY29yYXRpb246 IHVuZGVybGluZTsKICAg ICAgICAgICAgICAgICAg ICAgICAgICAgIGZvbnQt d2VpZ2h0OiA1MDA7Jz4K ICAgICAgICAgICAgICAg ICAgICAgICAgICAgIGxv ZyBpbgogICAgICAgICAg ICAgICAgICAgICAgICA8 L2E+CiAgICAgICAgICAg ICAgICAgICAgPC9kaXY+ CiAgICAgICAgICAgICAg ICA8L2Rpdj4KICAgICAg ICAgICAgPC9kaXY+Cgog ICAgICAgICAgICA=
What is the Bank Rakyat Indonesia company's unique selling proposition?
CiAgICAgICAgICAgIDxk aXYgc3R5bGU9J3dpZHRo OiAxMDAlOyBkaXNwbGF5 OiBmbGV4OyBqdXN0aWZ5 LWNvbnRlbnQ6IGNlbnRl cjsnPgogICAgICAgICAg ICAgICAgPGRpdiBzdHls ZT0nCiAgICAgICAgICAg ICAgICAgICAgZGlzcGxh eTogZmxleDsKICAgICAg ICAgICAgICAgICAgICBh bGlnbi1pdGVtczogY2Vu dGVyOwogICAgICAgICAg ICAgICAgICAgIGJhY2tn cm91bmQtY29sb3I6ICNm MGY0Zjg7CiAgICAgICAg ICAgICAgICAgICAgYm9y ZGVyOiAxcHggc29saWQg I2QxZTNmMDsKICAgICAg ICAgICAgICAgICAgICBi b3JkZXItcmFkaXVzOiAx MHB4OwogICAgICAgICAg ICAgICAgICAgIHBhZGRp bmc6IDIwcHg7CiAgICAg ICAgICAgICAgICAgICAg bWFyZ2luOiAyMHB4IDA7 CiAgICAgICAgICAgICAg ICAgICAgZm9udC1mYW1p bHk6ICJTZWdvZSBVSSIs IFJvYm90bywgc2Fucy1z ZXJpZjsKICAgICAgICAg ICAgICAgICAgICBib3gt c2hhZG93OiAwIDJweCA2 cHggcmdiYSgwLCAwLCAw LCAwLjA1KTsKICAgICAg ICAgICAgICAgICAgICBt YXgtd2lkdGg6IDkwMHB4 OwogICAgICAgICAgICAg ICAgICAgIHdpZHRoOiAx MDAlOyc+CgogICAgICAg ICAgICAgICAgICAgIDwh LS0gWVlZOiBJbnNlcnQg eW91ciBsb2dvIGltYWdl IGhlcmUgLS0+CiAgICAg ICAgICAgICAgICAgICAg PGltZyBzcmM9ImFzc2V0 cy9sb2dvcy94QnFBMnZR ZUVJSjJpdVdOTDJNMC53 ZWJwIiBhbHQ9IkJhbmsg UmFreWF0IEluZG9uZXNp YSIgdGl0bGU9IkJhbmsg UmFreWF0IEluZG9uZXNp YSIgY2xhc3M9ImltZy1m bHVpZCIgaGVpZ2h0PTkw IHdpZHRoPTkwIGxvYWRp bmc9J2xhenknPgoKICAg ICAgICAgICAgICAgICAg ICA8ZGl2IHN0eWxlPSdm bGV4OiAxOyB0ZXh0LWFs aWduOiBjZW50ZXI7IG1h cmdpbi1sZWZ0OiA1cHg7 Jz4KICAgICAgICAgICAg ICAgICAgICAgICAgPHAg c3R5bGU9J2ZvbnQtc2l6 ZTogMjZweDsgY29sb3I6 ICMzMzM7IG1hcmdpbi1i b3R0b206IDE1cHg7Jz4K ICAgICAgICAgICAgICAg ICAgICAgICAgICAgIFdh bnQgdG8gcmVhZCBtb3Jl IGFib3V0IEJhbmsgUmFr eWF0IEluZG9uZXNpYT8K ICAgICAgICAgICAgICAg ICAgICAgICAgPC9wPgoK ICAgICAgICAgICAgICAg ICAgICAgICAgPGEgaHJl Zj0naW5kZXgucGhwP3Bh Z2U9c2lnbnVwJyBzdHls ZT0nCiAgICAgICAgICAg ICAgICAgICAgICAgICAg ICBiYWNrZ3JvdW5kLWNv bG9yOiAjMDA3QkZGOwog ICAgICAgICAgICAgICAg ICAgICAgICAgICAgY29s b3I6ICNmZmY7CiAgICAg ICAgICAgICAgICAgICAg ICAgICAgICBwYWRkaW5n OiAxMHB4IDIwcHg7CiAg ICAgICAgICAgICAgICAg ICAgICAgICAgICBib3Jk ZXItcmFkaXVzOiA1cHg7 CiAgICAgICAgICAgICAg ICAgICAgICAgICAgICB0 ZXh0LWRlY29yYXRpb246 IG5vbmU7CiAgICAgICAg ICAgICAgICAgICAgICAg ICAgICBmb250LXdlaWdo dDogYm9sZDsKICAgICAg ICAgICAgICAgICAgICAg ICAgICAgIG1hcmdpbi1y aWdodDogMTBweDsKICAg ICAgICAgICAgICAgICAg ICAgICAgICAgIHRyYW5z aXRpb246IGJhY2tncm91 bmQtY29sb3IgMC4zcyBl YXNlOycKICAgICAgICAg ICAgICAgICAgICAgICAg ICAgIG9ubW91c2VvdmVy PSd0aGlzLnN0eWxlLmJh Y2tncm91bmRDb2xvcj0i IzAwNTZiMyIKICAgICAg ICAgICAgICAgICAgICAg ICAgICAgIG9ubW91c2Vv dXQ9J3RoaXMuc3R5bGUu YmFja2dyb3VuZENvbG9y PSIjMDA3QkZGIj4KICAg ICAgICAgICAgICAgICAg ICAgICAgICAgIFNpZ24g dXAgZm9yIGZyZWUKICAg ICAgICAgICAgICAgICAg ICAgICAgPC9hPgoKICAg ICAgICAgICAgICAgICAg ICAgICAgPHNwYW4gc3R5 bGU9J21hcmdpbjogMCA4 cHg7IGNvbG9yOiAjNTU1 Oyc+b3I8L3NwYW4+Cgog ICAgICAgICAgICAgICAg ICAgICAgICA8YSBocmVm PSdpbmRleC5waHA/cGFn ZT1sb2dpbicgc3R5bGU9 JwogICAgICAgICAgICAg ICAgICAgICAgICAgICAg Y29sb3I6ICMwMDdCRkY7 CiAgICAgICAgICAgICAg ICAgICAgICAgICAgICB0 ZXh0LWRlY29yYXRpb246 IHVuZGVybGluZTsKICAg ICAgICAgICAgICAgICAg ICAgICAgICAgIGZvbnQt d2VpZ2h0OiA1MDA7Jz4K ICAgICAgICAgICAgICAg ICAgICAgICAgICAgIGxv ZyBpbgogICAgICAgICAg ICAgICAgICAgICAgICA8 L2E+CiAgICAgICAgICAg ICAgICAgICAgPC9kaXY+ CiAgICAgICAgICAgICAg ICA8L2Rpdj4KICAgICAg ICAgICAgPC9kaXY+Cgog ICAgICAgICAgICA=
How does the Bank Rakyat Indonesia company differentiate itself in the market?
CiAgICAgICAgICAgIDxk aXYgc3R5bGU9J3dpZHRo OiAxMDAlOyBkaXNwbGF5 OiBmbGV4OyBqdXN0aWZ5 LWNvbnRlbnQ6IGNlbnRl cjsnPgogICAgICAgICAg ICAgICAgPGRpdiBzdHls ZT0nCiAgICAgICAgICAg ICAgICAgICAgZGlzcGxh eTogZmxleDsKICAgICAg ICAgICAgICAgICAgICBh bGlnbi1pdGVtczogY2Vu dGVyOwogICAgICAgICAg ICAgICAgICAgIGJhY2tn cm91bmQtY29sb3I6ICNm MGY0Zjg7CiAgICAgICAg ICAgICAgICAgICAgYm9y ZGVyOiAxcHggc29saWQg I2QxZTNmMDsKICAgICAg ICAgICAgICAgICAgICBi b3JkZXItcmFkaXVzOiAx MHB4OwogICAgICAgICAg ICAgICAgICAgIHBhZGRp bmc6IDIwcHg7CiAgICAg ICAgICAgICAgICAgICAg bWFyZ2luOiAyMHB4IDA7 CiAgICAgICAgICAgICAg ICAgICAgZm9udC1mYW1p bHk6ICJTZWdvZSBVSSIs IFJvYm90bywgc2Fucy1z ZXJpZjsKICAgICAgICAg ICAgICAgICAgICBib3gt c2hhZG93OiAwIDJweCA2 cHggcmdiYSgwLCAwLCAw LCAwLjA1KTsKICAgICAg ICAgICAgICAgICAgICBt YXgtd2lkdGg6IDkwMHB4 OwogICAgICAgICAgICAg ICAgICAgIHdpZHRoOiAx MDAlOyc+CgogICAgICAg ICAgICAgICAgICAgIDwh LS0gWVlZOiBJbnNlcnQg eW91ciBsb2dvIGltYWdl IGhlcmUgLS0+CiAgICAg ICAgICAgICAgICAgICAg PGltZyBzcmM9ImFzc2V0 cy9sb2dvcy94QnFBMnZR ZUVJSjJpdVdOTDJNMC53 ZWJwIiBhbHQ9IkJhbmsg UmFreWF0IEluZG9uZXNp YSIgdGl0bGU9IkJhbmsg UmFreWF0IEluZG9uZXNp YSIgY2xhc3M9ImltZy1m bHVpZCIgaGVpZ2h0PTkw IHdpZHRoPTkwIGxvYWRp bmc9J2xhenknPgoKICAg ICAgICAgICAgICAgICAg ICA8ZGl2IHN0eWxlPSdm bGV4OiAxOyB0ZXh0LWFs aWduOiBjZW50ZXI7IG1h cmdpbi1sZWZ0OiA1cHg7 Jz4KICAgICAgICAgICAg ICAgICAgICAgICAgPHAg c3R5bGU9J2ZvbnQtc2l6 ZTogMjZweDsgY29sb3I6 ICMzMzM7IG1hcmdpbi1i b3R0b206IDE1cHg7Jz4K ICAgICAgICAgICAgICAg ICAgICAgICAgICAgIFdh bnQgdG8gcmVhZCBtb3Jl IGFib3V0IEJhbmsgUmFr eWF0IEluZG9uZXNpYT8K ICAgICAgICAgICAgICAg ICAgICAgICAgPC9wPgoK ICAgICAgICAgICAgICAg ICAgICAgICAgPGEgaHJl Zj0naW5kZXgucGhwP3Bh Z2U9c2lnbnVwJyBzdHls ZT0nCiAgICAgICAgICAg ICAgICAgICAgICAgICAg ICBiYWNrZ3JvdW5kLWNv bG9yOiAjMDA3QkZGOwog ICAgICAgICAgICAgICAg ICAgICAgICAgICAgY29s b3I6ICNmZmY7CiAgICAg ICAgICAgICAgICAgICAg ICAgICAgICBwYWRkaW5n OiAxMHB4IDIwcHg7CiAg ICAgICAgICAgICAgICAg ICAgICAgICAgICBib3Jk ZXItcmFkaXVzOiA1cHg7 CiAgICAgICAgICAgICAg ICAgICAgICAgICAgICB0 ZXh0LWRlY29yYXRpb246 IG5vbmU7CiAgICAgICAg ICAgICAgICAgICAgICAg ICAgICBmb250LXdlaWdo dDogYm9sZDsKICAgICAg ICAgICAgICAgICAgICAg ICAgICAgIG1hcmdpbi1y aWdodDogMTBweDsKICAg ICAgICAgICAgICAgICAg ICAgICAgICAgIHRyYW5z aXRpb246IGJhY2tncm91 bmQtY29sb3IgMC4zcyBl YXNlOycKICAgICAgICAg ICAgICAgICAgICAgICAg ICAgIG9ubW91c2VvdmVy PSd0aGlzLnN0eWxlLmJh Y2tncm91bmRDb2xvcj0i IzAwNTZiMyIKICAgICAg ICAgICAgICAgICAgICAg ICAgICAgIG9ubW91c2Vv dXQ9J3RoaXMuc3R5bGUu YmFja2dyb3VuZENvbG9y PSIjMDA3QkZGIj4KICAg ICAgICAgICAgICAgICAg ICAgICAgICAgIFNpZ24g dXAgZm9yIGZyZWUKICAg ICAgICAgICAgICAgICAg ICAgICAgPC9hPgoKICAg ICAgICAgICAgICAgICAg ICAgICAgPHNwYW4gc3R5 bGU9J21hcmdpbjogMCA4 cHg7IGNvbG9yOiAjNTU1 Oyc+b3I8L3NwYW4+Cgog ICAgICAgICAgICAgICAg ICAgICAgICA8YSBocmVm PSdpbmRleC5waHA/cGFn ZT1sb2dpbicgc3R5bGU9 JwogICAgICAgICAgICAg ICAgICAgICAgICAgICAg Y29sb3I6ICMwMDdCRkY7 CiAgICAgICAgICAgICAg ICAgICAgICAgICAgICB0 ZXh0LWRlY29yYXRpb246 IHVuZGVybGluZTsKICAg ICAgICAgICAgICAgICAg ICAgICAgICAgIGZvbnQt d2VpZ2h0OiA1MDA7Jz4K ICAgICAgICAgICAgICAg ICAgICAgICAgICAgIGxv ZyBpbgogICAgICAgICAg ICAgICAgICAgICAgICA8 L2E+CiAgICAgICAgICAg ICAgICAgICAgPC9kaXY+ CiAgICAgICAgICAgICAg ICA8L2Rpdj4KICAgICAg ICAgICAgPC9kaXY+Cgog ICAgICAgICAgICA=
What are the Bank Rakyat Indonesia company's potential challenges in the industry?
CiAgICAgICAgICAgIDxk aXYgc3R5bGU9J3dpZHRo OiAxMDAlOyBkaXNwbGF5 OiBmbGV4OyBqdXN0aWZ5 LWNvbnRlbnQ6IGNlbnRl cjsnPgogICAgICAgICAg ICAgICAgPGRpdiBzdHls ZT0nCiAgICAgICAgICAg ICAgICAgICAgZGlzcGxh eTogZmxleDsKICAgICAg ICAgICAgICAgICAgICBh bGlnbi1pdGVtczogY2Vu dGVyOwogICAgICAgICAg ICAgICAgICAgIGJhY2tn cm91bmQtY29sb3I6ICNm MGY0Zjg7CiAgICAgICAg ICAgICAgICAgICAgYm9y ZGVyOiAxcHggc29saWQg I2QxZTNmMDsKICAgICAg ICAgICAgICAgICAgICBi b3JkZXItcmFkaXVzOiAx MHB4OwogICAgICAgICAg ICAgICAgICAgIHBhZGRp bmc6IDIwcHg7CiAgICAg ICAgICAgICAgICAgICAg bWFyZ2luOiAyMHB4IDA7 CiAgICAgICAgICAgICAg ICAgICAgZm9udC1mYW1p bHk6ICJTZWdvZSBVSSIs IFJvYm90bywgc2Fucy1z ZXJpZjsKICAgICAgICAg ICAgICAgICAgICBib3gt c2hhZG93OiAwIDJweCA2 cHggcmdiYSgwLCAwLCAw LCAwLjA1KTsKICAgICAg ICAgICAgICAgICAgICBt YXgtd2lkdGg6IDkwMHB4 OwogICAgICAgICAgICAg ICAgICAgIHdpZHRoOiAx MDAlOyc+CgogICAgICAg ICAgICAgICAgICAgIDwh LS0gWVlZOiBJbnNlcnQg eW91ciBsb2dvIGltYWdl IGhlcmUgLS0+CiAgICAg ICAgICAgICAgICAgICAg PGltZyBzcmM9ImFzc2V0 cy9sb2dvcy94QnFBMnZR ZUVJSjJpdVdOTDJNMC53 ZWJwIiBhbHQ9IkJhbmsg UmFreWF0IEluZG9uZXNp YSIgdGl0bGU9IkJhbmsg UmFreWF0IEluZG9uZXNp YSIgY2xhc3M9ImltZy1m bHVpZCIgaGVpZ2h0PTkw IHdpZHRoPTkwIGxvYWRp bmc9J2xhenknPgoKICAg ICAgICAgICAgICAgICAg ICA8ZGl2IHN0eWxlPSdm bGV4OiAxOyB0ZXh0LWFs aWduOiBjZW50ZXI7IG1h cmdpbi1sZWZ0OiA1cHg7 Jz4KICAgICAgICAgICAg ICAgICAgICAgICAgPHAg c3R5bGU9J2ZvbnQtc2l6 ZTogMjZweDsgY29sb3I6 ICMzMzM7IG1hcmdpbi1i b3R0b206IDE1cHg7Jz4K ICAgICAgICAgICAgICAg ICAgICAgICAgICAgIFdh bnQgdG8gcmVhZCBtb3Jl IGFib3V0IEJhbmsgUmFr eWF0IEluZG9uZXNpYT8K ICAgICAgICAgICAgICAg ICAgICAgICAgPC9wPgoK ICAgICAgICAgICAgICAg ICAgICAgICAgPGEgaHJl Zj0naW5kZXgucGhwP3Bh Z2U9c2lnbnVwJyBzdHls ZT0nCiAgICAgICAgICAg ICAgICAgICAgICAgICAg ICBiYWNrZ3JvdW5kLWNv bG9yOiAjMDA3QkZGOwog ICAgICAgICAgICAgICAg ICAgICAgICAgICAgY29s b3I6ICNmZmY7CiAgICAg ICAgICAgICAgICAgICAg ICAgICAgICBwYWRkaW5n OiAxMHB4IDIwcHg7CiAg ICAgICAgICAgICAgICAg ICAgICAgICAgICBib3Jk ZXItcmFkaXVzOiA1cHg7 CiAgICAgICAgICAgICAg ICAgICAgICAgICAgICB0 ZXh0LWRlY29yYXRpb246 IG5vbmU7CiAgICAgICAg ICAgICAgICAgICAgICAg ICAgICBmb250LXdlaWdo dDogYm9sZDsKICAgICAg ICAgICAgICAgICAgICAg ICAgICAgIG1hcmdpbi1y aWdodDogMTBweDsKICAg ICAgICAgICAgICAgICAg ICAgICAgICAgIHRyYW5z aXRpb246IGJhY2tncm91 bmQtY29sb3IgMC4zcyBl YXNlOycKICAgICAgICAg ICAgICAgICAgICAgICAg ICAgIG9ubW91c2VvdmVy PSd0aGlzLnN0eWxlLmJh Y2tncm91bmRDb2xvcj0i IzAwNTZiMyIKICAgICAg ICAgICAgICAgICAgICAg ICAgICAgIG9ubW91c2Vv dXQ9J3RoaXMuc3R5bGUu YmFja2dyb3VuZENvbG9y PSIjMDA3QkZGIj4KICAg ICAgICAgICAgICAgICAg ICAgICAgICAgIFNpZ24g dXAgZm9yIGZyZWUKICAg ICAgICAgICAgICAgICAg ICAgICAgPC9hPgoKICAg ICAgICAgICAgICAgICAg ICAgICAgPHNwYW4gc3R5 bGU9J21hcmdpbjogMCA4 cHg7IGNvbG9yOiAjNTU1 Oyc+b3I8L3NwYW4+Cgog ICAgICAgICAgICAgICAg ICAgICAgICA8YSBocmVm PSdpbmRleC5waHA/cGFn ZT1sb2dpbicgc3R5bGU9 JwogICAgICAgICAgICAg ICAgICAgICAgICAgICAg Y29sb3I6ICMwMDdCRkY7 CiAgICAgICAgICAgICAg ICAgICAgICAgICAgICB0 ZXh0LWRlY29yYXRpb246 IHVuZGVybGluZTsKICAg ICAgICAgICAgICAgICAg ICAgICAgICAgIGZvbnQt d2VpZ2h0OiA1MDA7Jz4K ICAgICAgICAgICAgICAg ICAgICAgICAgICAgIGxv ZyBpbgogICAgICAgICAg ICAgICAgICAgICAgICA8 L2E+CiAgICAgICAgICAg ICAgICAgICAgPC9kaXY+ CiAgICAgICAgICAgICAg ICA8L2Rpdj4KICAgICAg ICAgICAgPC9kaXY+Cgog ICAgICAgICAgICA=
What challenges did the Bank Rakyat Indonesia company face in the recent years?
CiAgICAgICAgICAgIDxk aXYgc3R5bGU9J3dpZHRo OiAxMDAlOyBkaXNwbGF5 OiBmbGV4OyBqdXN0aWZ5 LWNvbnRlbnQ6IGNlbnRl cjsnPgogICAgICAgICAg ICAgICAgPGRpdiBzdHls ZT0nCiAgICAgICAgICAg ICAgICAgICAgZGlzcGxh eTogZmxleDsKICAgICAg ICAgICAgICAgICAgICBh bGlnbi1pdGVtczogY2Vu dGVyOwogICAgICAgICAg ICAgICAgICAgIGJhY2tn cm91bmQtY29sb3I6ICNm MGY0Zjg7CiAgICAgICAg ICAgICAgICAgICAgYm9y ZGVyOiAxcHggc29saWQg I2QxZTNmMDsKICAgICAg ICAgICAgICAgICAgICBi b3JkZXItcmFkaXVzOiAx MHB4OwogICAgICAgICAg ICAgICAgICAgIHBhZGRp bmc6IDIwcHg7CiAgICAg ICAgICAgICAgICAgICAg bWFyZ2luOiAyMHB4IDA7 CiAgICAgICAgICAgICAg ICAgICAgZm9udC1mYW1p bHk6ICJTZWdvZSBVSSIs IFJvYm90bywgc2Fucy1z ZXJpZjsKICAgICAgICAg ICAgICAgICAgICBib3gt c2hhZG93OiAwIDJweCA2 cHggcmdiYSgwLCAwLCAw LCAwLjA1KTsKICAgICAg ICAgICAgICAgICAgICBt YXgtd2lkdGg6IDkwMHB4 OwogICAgICAgICAgICAg ICAgICAgIHdpZHRoOiAx MDAlOyc+CgogICAgICAg ICAgICAgICAgICAgIDwh LS0gWVlZOiBJbnNlcnQg eW91ciBsb2dvIGltYWdl IGhlcmUgLS0+CiAgICAg ICAgICAgICAgICAgICAg PGltZyBzcmM9ImFzc2V0 cy9sb2dvcy94QnFBMnZR ZUVJSjJpdVdOTDJNMC53 ZWJwIiBhbHQ9IkJhbmsg UmFreWF0IEluZG9uZXNp YSIgdGl0bGU9IkJhbmsg UmFreWF0IEluZG9uZXNp YSIgY2xhc3M9ImltZy1m bHVpZCIgaGVpZ2h0PTkw IHdpZHRoPTkwIGxvYWRp bmc9J2xhenknPgoKICAg ICAgICAgICAgICAgICAg ICA8ZGl2IHN0eWxlPSdm bGV4OiAxOyB0ZXh0LWFs aWduOiBjZW50ZXI7IG1h cmdpbi1sZWZ0OiA1cHg7 Jz4KICAgICAgICAgICAg ICAgICAgICAgICAgPHAg c3R5bGU9J2ZvbnQtc2l6 ZTogMjZweDsgY29sb3I6 ICMzMzM7IG1hcmdpbi1i b3R0b206IDE1cHg7Jz4K ICAgICAgICAgICAgICAg ICAgICAgICAgICAgIFdh bnQgdG8gcmVhZCBtb3Jl IGFib3V0IEJhbmsgUmFr eWF0IEluZG9uZXNpYT8K ICAgICAgICAgICAgICAg ICAgICAgICAgPC9wPgoK ICAgICAgICAgICAgICAg ICAgICAgICAgPGEgaHJl Zj0naW5kZXgucGhwP3Bh Z2U9c2lnbnVwJyBzdHls ZT0nCiAgICAgICAgICAg ICAgICAgICAgICAgICAg ICBiYWNrZ3JvdW5kLWNv bG9yOiAjMDA3QkZGOwog ICAgICAgICAgICAgICAg ICAgICAgICAgICAgY29s b3I6ICNmZmY7CiAgICAg ICAgICAgICAgICAgICAg ICAgICAgICBwYWRkaW5n OiAxMHB4IDIwcHg7CiAg ICAgICAgICAgICAgICAg ICAgICAgICAgICBib3Jk ZXItcmFkaXVzOiA1cHg7 CiAgICAgICAgICAgICAg ICAgICAgICAgICAgICB0 ZXh0LWRlY29yYXRpb246 IG5vbmU7CiAgICAgICAg ICAgICAgICAgICAgICAg ICAgICBmb250LXdlaWdo dDogYm9sZDsKICAgICAg ICAgICAgICAgICAgICAg ICAgICAgIG1hcmdpbi1y aWdodDogMTBweDsKICAg ICAgICAgICAgICAgICAg ICAgICAgICAgIHRyYW5z aXRpb246IGJhY2tncm91 bmQtY29sb3IgMC4zcyBl YXNlOycKICAgICAgICAg ICAgICAgICAgICAgICAg ICAgIG9ubW91c2VvdmVy PSd0aGlzLnN0eWxlLmJh Y2tncm91bmRDb2xvcj0i IzAwNTZiMyIKICAgICAg ICAgICAgICAgICAgICAg ICAgICAgIG9ubW91c2Vv dXQ9J3RoaXMuc3R5bGUu YmFja2dyb3VuZENvbG9y PSIjMDA3QkZGIj4KICAg ICAgICAgICAgICAgICAg ICAgICAgICAgIFNpZ24g dXAgZm9yIGZyZWUKICAg ICAgICAgICAgICAgICAg ICAgICAgPC9hPgoKICAg ICAgICAgICAgICAgICAg ICAgICAgPHNwYW4gc3R5 bGU9J21hcmdpbjogMCA4 cHg7IGNvbG9yOiAjNTU1 Oyc+b3I8L3NwYW4+Cgog ICAgICAgICAgICAgICAg ICAgICAgICA8YSBocmVm PSdpbmRleC5waHA/cGFn ZT1sb2dpbicgc3R5bGU9 JwogICAgICAgICAgICAg ICAgICAgICAgICAgICAg Y29sb3I6ICMwMDdCRkY7 CiAgICAgICAgICAgICAg ICAgICAgICAgICAgICB0 ZXh0LWRlY29yYXRpb246 IHVuZGVybGluZTsKICAg ICAgICAgICAgICAgICAg ICAgICAgICAgIGZvbnQt d2VpZ2h0OiA1MDA7Jz4K ICAgICAgICAgICAgICAg ICAgICAgICAgICAgIGxv ZyBpbgogICAgICAgICAg ICAgICAgICAgICAgICA8 L2E+CiAgICAgICAgICAg ICAgICAgICAgPC9kaXY+ CiAgICAgICAgICAgICAg ICA8L2Rpdj4KICAgICAg ICAgICAgPC9kaXY+Cgog ICAgICAgICAgICA=
