Investor Presentaiton
THE ULTRA MICRO ECOSYSTEM
UMI Holding Leading Our Loan Growth Forward
Loan Composition - Outstanding
# Borrowers
(IDR Trillion)
11.2% YoY
551.3
563.4
506.7
483.9
42.6
45.8
24.2%
34.5
59.1
36.8
61.2
54.5
52.4
12.3%
449.6
456.5
397.0
415.4
351.4
9.9%
307.7
274.3
2018
2019
2020
2021
BRI Micro
Key Ratios
2022
*
Pegadaian PNM Total
Q1'22 Q1'23
BRI
(in Mio)
12.5% YoY
35.3
36.0
32.0
31.0
25.0%
14.0
14.6
11.2
11.7
5.4%
7.0
7.1
6.6
6.7
5.3%
10.0
10.5
11.7
13.3
14.4
13.6
14.3
2018
2019
2020 2021
2022
Q1'22
Q1'23
BRI Micro
â– Pegadaian PNM Total
BRI
Pegadaian
PNM
Description
3Q'21
1Q'22
FY'22
1Q'23
3Q'21
1Q'22
FY'22
1Q'23
3Q'21
1Q'22
FY'22
1Q'23
Cost of Fund
2.1%
1.7%
1.9%
2.6%
6.2%
4.8%
4.9%
5.7%
8.7%
8.9%
7.6%
6.9%
Opt. Expenses to
Opt. Income
76.4%
64.3%
64.2%
60.7%
75.5%
70.1%
71.1%
65.3%
88.1%
89.4%
90.3%
86.1%
CIR
42.1%
38.4%
42.0%
37.4%
63.0%
66.9%
63.7%
55.3%
76.6%
60.5%
67.7%
70.2%
Pegadaian, PNM's Cost Of Fund (COF) calculated by dividing annualized interest expense with average monthly Interest Bearing Liabilities
*PNM's financing outstanding include financing disbursed to LKMS (Syariah Micro Financing Institution) and venture capital
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