Investor Presentaiton
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FINANCIAL HIGHLIGHT - BANK ONLY
Description
Asset/Liabilities
Total Assets (IDR Billion)
Total Loans (Gross) (IDR Billion)
Total Deposits (IDR Billion)
Asset Quality
NPL (gross)
NPL (nett)
NPL Coverage
LAR
LAR Coverage
Credit Cost
Liquidity
CASA
LDR
Profitability
Net Profit (IDR Billion)
Cost of Fund (CoF)
NIM
Cost to Income Ratio (CIR)
Operating Expense to Operating Income
ROA before tax
ROA after tax
ROE Tier 1
ROE B/S
Capital
Tier1 CAR
Total CAR
(BRI
(IDR Billion)
g YoY
2018
2019
2020
2021
2022
1Q'22
1Q'23
g QoQ
1,234,200 1,343,078 1,421,785 1,572,761 1,750,995
798,881 859,558 880,675 943,703 1,029,803
898,033 969,750 1,052,664 1,127,849 1,300,776
1,540,856 1,699,676
974,802 1,065,325
1,118,705 1,249,503
-2.9%
10.3%
3.4%
9.3%
-3.9%
11.7%
2.16%
0.92%
200.61%
9.17%
47.20%
2.31%
2.62% 2.94%
1.04% 0.80%
166.59% 247.98%
9.78% 28.26%
44.65% 25.77%
2.47% 3.28%
3.08% 2.82%
0.70% 0.73%
278.14% 291.54%
24.11% 17.11%
35.56% 48.00%
3.42% 2.47%
3.15%
0.77%
275.66% 268.93%
22.58% 16.89%
38.50% 48.02%
2.96% 2.44%
3.02%
0.20%
-0.14%
0.82%
0.09%
0.05%
-22.60%
-6.72%
-0.22%
-5.69%
0.02%
9.52%
-0.03%
-0.52%
61.84% 59.01% 61.00%
89.57% 88.64% 83.66%
63.30% 66.92%
83.67% 79.17%
63.75% 64.79%
87.14% 85.26%
-2.14%
1.04%
6.09%
-1.88%
68.48% 70.10%
31,702 34,029
3.47% 3.58%
7.45% 6.98%
29.56% 40.03% 45.40%
81.22%
18,353
32,215
47,828
10,903 13,796
29.6%
26.5%
3.22%
2.05%
1.87%
1.73%
2.56%
0.68%
0.83%
6.00%
6.89%
6.80%
6.85%
6.67%
-0.14%
-0.18%
43.26%
41.95%
38.37%
37.37%
-4.58%
-1.00%
74.30% 64.20%
64.26%
60.70%
-3.50%
-3.56%
3.68% 3.50%
2.86% 2.77% 1.39%
20.49% 19.41% 11.05%
18.87% 17.77% 9.91%
1.98%
2.72%
3.76%
3.56%
4.11%
0.35%
0.55%
2.23% 3.03%
16.87% 20.93%
14.09% 16.76%
2.84%
3.27%
0.25%
0.43%
19.11% 23.75%
15.39%
2.82%
4.64%
18.97%
2.21%
3.58%
20.15% 21.52% 19.59%
21.21% 22.55% 20.61%
24.27% 22.30%
25.28% 23.30%
21.39% 21.94%
22.39% 23.01%
-0.36%
0.55%
-0.29%
0.62%
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