BPR Lestari

What BPR Lestari does

BPR Lestari Bali (legal name: PT Bank Perkreditan Rakyat Lestari Bali) is an Indonesian rural bank (Bank Perkreditan Rakyat, a regulated sub-category of bank) headquartered in Denpasar, Bali and operating since its 1999 acquisition by Alex P. Chandra. The institution has grown from Rp 300 Million in initial assets to Rp 7.7 Trillion in group assets by Q1 2021, ranking as the 2nd largest BPR in Indonesia, with the standalone Bali entity at Rp 6.4 Trillion and a credit portfolio of Rp 3.136 Trillion growing 20.9% YoY. The bank runs a full retail and SME banking franchise across Bali through 8+ physical branches (Denpasar HQ, Hayam Wuruk, Gatsu Tengah, Renon Square, WR Supratman, Benoa, Jimbaran, Super Branch Sanur) plus proprietary ATM infrastructure reported as unique among Balinese BPRs.

The core product set spans deposits (Deposito Lestari, DepositoGo, Deposito Bisnis, Tabungan Jumbo, Tabungan Sikaya, Tabungan U-Style, Tabungan Jumbo Biz, Tabungan Berjangka, KPT Lestari) and credit products (KPR Lestari starting from 6.75% p.a., KKB vehicle financing, Kredit Modal Kerja, Kredit Multiguna, Kredit Investasi, Kredit Pemilikan Tanah, Kredit Karya Griya). Distribution runs through a proprietary digital stack (LestariMobile, LestariNet, LestariDiskon discount/merchant app with 27,000+ users and 600+ UMKM merchants, Virtual Account, Online Account Opening) alongside community channels like Lestari Entrepreneur Club, LestariNetwork (linking village LPDs and cooperatives), and a multi-bank credit linkage program with Maybank, CIMB Niaga, BCA, BJB, and Bank Danamon.

Revenue is generated almost entirely from interest spread on the credit portfolio and deposits, supplemented by transaction fees, loan processing fees, and account service fees regulated by OJK and protected by LPS deposit insurance up to Rp 2 Billion per customer per bank. The bank has executed four consecutive paid-in capital increases between 2019 and 2022 (totaling several hundred billion rupiah) and has expanded geographically to Java via the Lestari Group (BPR Lestari Jogja, BPR Nusumma Semarang, BPR Arto Moro, BPR Lingga Sejahtera, BPR Kas), pursuing a hybrid physical-digital, community-anchored go-to-market in rural and SME banking under founder-led ownership with no disclosed external private-equity backing.

Name

BPR Lestari

Legal name

PT Bank Perkreditan Rakyat Lestari Bali

Website

https://bprlestari.com

Company type

Private

Founded year

1999

Operating status

Operating

Headcount range

251–500 employees

Short description

BPR Lestari Bali is an Indonesian rural bank headquartered in Denpasar, Bali, serving individual consumers and UMKM borrowers across Bali and Java through 8+ branches, proprietary digital banking apps (LestariMobile, LestariNet, LestariDiskon), and credit linkage partnerships with major Indonesian banks.

Ownership category

akta.pro rank

Product category

Rural Banking

NAICS

Savings Institutions and Other Depository Credit Intermediation (52218)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Loan Operations & Servicing (Consumer/SME/Corporate) (FSABALAD)

akta.pro secondary industry

Account Opening, KYC/AML & Customer Due Diligence (CDD/EDD) (FSABALAA)

Keywords

• Rural banking services
• Savings products
• Time deposits
• Consumer lending
• Mobile banking

Headquarters

HQ city

Denpasar

HQ country

Indonesia

HQ region

Asia

Offices8 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales

Revenue model

1. Interest Income from Credit/Lending: BPR Lestari generates primary revenue through interest income on various loan products including KPR (mortgage loans), KKB (vehicle loans), KMT (multiguna loans), working capital loans (Kredit Modal Kerja), and investment loans. The bank offers KPR with rates starting from 6.75% per annum.
2. Interest Income from Deposits: Revenue generated from interest spread on customer deposits including savings accounts (Tabungan), time deposits (Deposito), and jumbo savings products.
3. Fee-Based Income: Income from various banking fees including account services, transaction fees, and loan processing fees.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels7 records

Core offering

BPR Lestari is an Indonesian rural bank (BPR) headquartered in Denpasar, Bali that accepts customer deposits (savings and time deposits) and extends consumer and small-business credit (mortgages, vehicle loans, working capital, investment, multi-purpose, land and home-improvement loans). It also operates proprietary digital channels — LestariMobile (mobile banking), LestariNet (internet banking) and LestariDiskon (a discount/merchant app) — and offers priority banking and a business support program for UMKM, all delivered through its Bali branch and ATM network.

Product overview

BPR Lestari operates as a regional rural bank (Bank Perekonomian Rakyat) headquartered in Bali, Indonesia, offering a comprehensive portfolio of banking products and services. The core product ecosystem includes savings products (Tabungan Jumbo, Tabungan Sikaya, Tabungan U-Style, Tabungan Jumbo Biz, KPT Lestari, Tabungan Berjangka), time deposits (Deposito Lestari, DepositoGo, Deposito Bisnis Harian, Deposito Bisnis), credit facilities (KPR Lestari, Kredit Kendaraan Bermotor, Kredit Modal Kerja, Kredit Multiguna Lestari, Kredit Investasi, Kredit Pemilikan Tanah, Kredit Karya Griya), and digital banking services (LestariMobile, LestariNet, LestariDiskon). The digital suite includes mobile and internet banking platforms alongside the LestariDiskon discount application supporting over 27,000 UMKM merchants. Priority services such as The First Lounge serve high-net-worth customers, while the Lestari Entrepreneur Club provides SME ecosystem support. The bank positions itself around three core values: Cepat (Fast - 5-day loan approval), Bersahabat (Friendly - personalized service), and digital innovation for accessibility.

Differentiator

Problem solved

Functional benefit

Brands

• LestariMobile: Mobile banking application allowing customers to open deposits on holidays, perform transactions, and access banking services via smartphone.
• LestariNet
• LestariDiskon
• Lestari Business Partner
• Lestari Entrepreneur Club
• Lestari For Kids
• Lestari Green Bag
• Lestari Mebanjar
• Lestari First Lounge
• Lestari Anak Asuh
• Lestari Peduli
• Lestari Berbagi
• Lestari Network
• Gen-L Indonesia
• Generasi Lestari

Products and services

• Tabungan Jumbo Retail savings account featuring a periodic Jumbo WOW undian with prizes such as vehicles and gold, targeted at individual Bali customers seeking prize-linked deposits.
• Tabungan Sikaya Standard retail savings account from BPR Lestari designed for regular everyday banking customers in Bali.
• Tabungan U-Style Savings account offering gold voucher prizes as customer rewards, positioned for customers interested in gold investment-linked savings.
• Tabungan Jumbo Biz Business savings account for entrepreneurs and business owners to manage business funds, offered alongside retail savings variants.
• KPT Lestari Periodic savings plan that requires regular contributions on a scheduled cadence, helping customers build disciplined savings habits.
• Tabungan Berjangka Time-bound savings product structured to help customers reach delayed financial resolutions through disciplined periodic saving.
• Deposito Lestari Standard time deposit product from BPR Lestari, protected by LPS (Lembaga Penjamin Simpanan), offering secure investment with guaranteed returns for individual depositors.
• DepositoGo Online time deposit product allowing customers to open deposits digitally from home through the LestariMobile channel, including on holidays, lowering branch visit requirements.
• Deposito Bisnis Business-oriented time deposit for companies and business entities seeking secure short-term investment of surplus cash with LPS protection.
• Deposito Bisnis Harian Daily business deposit product providing flexible access to business funds while still earning deposit returns.
• KPR Lestari (Kredit Pemilikan Rumah) Home ownership mortgage loan with competitive interest rates and a special rate starting from 6.75% per annum, with a committed 5-business-day processing turnaround after complete documentation.
• Kredit Kendaraan Bermotor (KKB) Vehicle financing for motorcycle and car purchases, offered in partnership with CIMB Finance at competitive interest rates for Bali customers.
• Kredit Modal Kerja Working capital loan for SMEs and businesses to fund operational needs, typically extended under credit linkage facilities from partner banks.
• Kredit Multiguna Lestari Multi-purpose consumer loan providing flexible financing for various personal needs including home renovation and personal expenses.
• Kredit Investasi Investment loan for SME business expansion and capital expenditure needs.
• Kredit Pemilikan Tanah Land ownership loan for purchasing land plots, enabling customers to acquire property assets, integrated with the HT-Elektronik program with BPN.
• Kredit Karya Griya Home improvement loan for renovation and property enhancement of existing residential properties.
• LestariMobile Mobile banking application enabling customers to perform banking transactions, check balances, open deposits on holidays, and access BPR Lestari financial services via smartphone.
• LestariNet Internet banking platform providing web-based banking access to BPR Lestari customers for online account management and transactions.
• LestariDiskon Discount and promotions mobile application connecting UMKM merchants with customers, featuring over 27,000 active users supporting local UMKM businesses in Bali.
• Layanan Prioritas (Priority Banking) Premium priority banking service providing exclusive benefits and personalized services for high-value customers, including a dedicated Kartu Prioritas with ATM access and The First Lounge.
• The First Lounge Exclusive lounge facility for priority banking customers offering a premium service experience.
• Lestari Entrepreneur Club Business community platform supporting SME growth through networking, education, and mentorship programs for UMKM entrepreneurs in Bali and Java.

Quantifiable outcome

• Loan portfolio grew 20.90% Year on Year to Rp 3.136 Trillion
• +2 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature7 records

Partnerships

Eleven partnerships are on record, tiered core and minor.

• OJK (Otoritas Jasa Keuangan)coreStrategic or Co-development Partner · 1 January 2022BPR Lestari collaborates with OJK for financial literacy programs, including Melali ke Banjar initiative to educate youth about saving and investment from an early age.
• BPR Nusumma (Jateng)minorChannel Partner/ Reseller/ Distributor · 1 January 2022Linkage partnership for BPR-to-BPR lending to support credit distribution in Central Java region under BPR Bersatu initiative.
• BPR Arto Moro (Jateng)minorChannel Partner/ Reseller/ Distributor · 1 January 2022Collaboration to channel Rp 50 billion loan facility for UMKM development in Central Java.
• BPR Lingga SejahteraminorChannel Partner/ Reseller/ Distributor · 1 January 2022BPR Lestari injects Rp 50 billion credit facility to BPR Lingga Sejahtera for UMKM financing.
• BPR KasminorChannel Partner/ Reseller/ Distributor · 1 January 2022BPR collaboration under BPR Bersatu (BPRs United) initiative for joint lending programs.
• Koprasi Banjar Bone KelodminorChannel Partner/ Reseller/ Distributor · 1 January 2022Partnership with traditional village cooperative for community banking services and free mask distribution during pandemic.
• Rotary Club BaliminorStrategic or Co-development Partner · 1 January 2021Collaboration for CSR activities including distribution of 10,000 food packages, 420 APD (medical equipment), and installation of 50 sanitation facilities (Jamban Sehat) in Karangasem.
• BIMC HospitalminorStrategic or Co-development Partner · 1 January 2021Collaboration to educate public about heart disease risks and prevention methods, combining healthcare awareness with community engagement.
• CIMB FinanceminorChannel Partner/ Reseller/ Distributor · 1 January 2020Partnership for affordable vehicle financing (KKB) with competitive interest rates for Bali customers.
• LPD and Koprasi se-BaliminorChannel Partner/ Reseller/ Distributor · 1 January 2020Lestari Network program supporting Village Credit Institutions (LPD) and cooperatives across Bali with banking infrastructure and credit access.
• BPN (Badan Pertanahan Nasional)coreTechnology or Integration · 1 January 2016BPR Lestari serves as pioneer in Indonesia for HT-Elektronik (Electronic Land Title) program, enabling electronic property title processing and mortgage documentation.

Scale indicators10 records

Recent moves10 records

Expansion highlights6 records

Emerging players

• Bank Jago: Indonesian digital-first bank that evolved out of BPR Central Arta, making it a directly comparable transformation story for a BPR pivoting to digital banking. Overlaps on digital banking, UMKM, and consumer use cases, but operates at much larger scale and with broader product suite.

Broad incumbents

• Bank Danamon: Indonesian universal bank with strong consumer and UMKM franchises, and a technology integration partner of BPR Lestari. Comparable on retail deposits, KKB (vehicle financing), and UMKM credit, but with much broader product scope.
• Bank Central Asia (BCA): Indonesia's largest private bank and a credit linkage partner of BPR Lestari. Overlaps on consumer deposits, mortgages (KPR), and digital banking but operates at vastly larger scale with a national branch and ATM footprint that no BPR can match.
• Maybank Indonesia: Major Indonesian commercial bank providing the largest disclosed credit linkage (Rp 200B) to BPR Lestari. Comparable on retail deposits and UMKM financing but as a national full-service bank rather than a BPR.
• CIMB Niaga: Major Indonesian universal bank and a core credit linkage partner of BPR Lestari. Comparable in consumer/UMKM lending products and digital banking, but operates with a national full-license bank product set that BPRs cannot offer.

Direct peers

• Bank Sahabat Sampoerna: Indonesian commercial bank historically focused on the mass-market and small-business segment with an extensive branch network. Comparable in retail/UMKM banking, deposit-led funding, and Indonesian regional branch-led model.
• BPD Bali (Bank Pembangunan Daerah Bali): Regional development bank (BPD) of Bali province offering deposits, loans, and digital banking services to consumers and UMKM in the same geographic market as BPR Lestari. Closest geographic and customer-overlap peer, though larger balance sheet and different ownership structure (provincial government).
• Bank Andara: Indonesian community-focused bank serving UMKM and underserved segments through deposits, microcredit, and agency banking. Strongest peer in terms of customer segment overlap (UMKM, microfinance, financial inclusion) and operating philosophy.
• Bank Mestika Dharma: Indonesian private commercial bank focused on consumer banking, UMKM lending, and regional deposit gathering. Comparable in business model (private, regional, retail/SME-led) and product mix, though larger and operating across multiple provinces.
• Bank Yudha Bhakti: Indonesian private commercial bank with a traditional deposit-and-lending model serving SMEs and retail customers. Comparable as a privately-held Indonesian bank competing for similar retail and small-business relationships, particularly in Java.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/BPRLestari
• YouTubeyoutube.com/channel/UC0TKiN4bQvrBTUP7XIXeGkA
• Facebookfacebook.com/BankBPRLestari
• Instagraminstagram.com/bpr_lestari
• TikToktiktok.com/@banklestaribali
• LinkedInlinkedin.com/company/pt-bpr-lestari

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries6 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about BPR Lestari