BRI Performance Highlights and Green Initiatives
Note: all numbers are bank only, unless stated as consolidated
Mar-05
Jun-05
Sep-05
Dec-05
Mar-06
90-unr
Sep-06
Dec-06
Mar-07
Jun-07
Sep-07
Dec-07
Mar-08
Jun-08
Sep-08
Dec-08
Mar-09
Jun-09
Sep-09
Dec-09
Mar-10
Jun-10
Sep-10
Dec-10
Mar-11
Jun-11
Sep-11
Dec-11
Mar-12
Jun-12
Sep-12
Dec-12
Mar-13
Jun-13
Sep-13
Dec-13
Mar-14
Jun-14
Sep-14
Dec-14
Mar-15
WELL MANAGED PEAK TO TROUGH ASSET QUALITY
Improving Loan Quality and Conservative Provisioning Provide an Opportunity to Phase Out
Relaxation Policy
Inflation vs Asset Quality: Industry, BRI, and BRI Micro
wwwww.Inflation
Industry NPL
BRI Total NPL
BRI Micro NPL
BRI
LAR Improvement with Manageable NPL
Pandemic 28.26%
24.11%
LAR Coverage and NPL Coverage
Pandemic 247.98%
Normalizing Credit Cost
200.61%
291.54%
278.14%
2.31%
Pandemic
2.47%
3.28%
3.42%
2.47%
7
17.11%
166.59%
9.17%
2.16%
9.78%
2.45%
2.45%
47.20%
44.65%
2.62%
2.94%
3.08%
2.82%
25.77%
35.56%
48.00%
1.49%
1.62%
1.28%
2018
2019
2020
2021
2022
2018
2019
2020
2021
2022
2018
2019
2020
2021
2022
-NPL O-LAR
O-NPL Coverage
-O-LAR Coverage
Credit Cost (gross)
O-Credit Cost (net)
11
Jun-15
Sep-15
Dec-15
Mar-16
Jun-16
Sep-16
Dec-16
Mar-17
Jun-17
Sep-17
Dec-17
Mar-18
Jun-18
Sep-18
Dec-18
Mar-19
Jun-19
Sep-19
Dec-19
Mar-20
Jun-20
Sep-20
Dec-20
Mar-21
Jun-21
Sep-21
Dec-21
Mar-22
Jun-22
Sep-22
2.12%
3.14%
2.78%View entire presentation