BRI Performance Highlights and Green Initiatives
FINANCIAL RATIOS - BANK ONLY
Solid Performance in Host Metrics
Description
Q1'22
1H'22
9M'22
2021
2022
ΔΥΟΥ
BRI
CASA
63.75%
65.36%
65.65%
63.30%
66.92%
3.62%
Cost of Fund (Liabilities)
1.73%
1.70%
1.73%
2.05%
1.87%
-0.18%
LDR
87.14%
88.95%
88.92%
83.67%
79.17%
-4.50%
Net Interest Margin (NIM)
6.85%
7.35%
7.23%
6.89%
6.80%
-0.08%
Cost to Income Ratio (CIR)
38.37%
37.11%
38.99%
43.26%
41.95%
-1.30%
Opr. Expense to Opr. Income
64.26%
63.98%
62.59%
74.30%
64.20%
-10.10%
NPL ratio Gross
3.15%
3.32%
3.14%
3.08%
2.82%
-0.27%
NPL Coverage
275.66%
265.15%
275.88%
278.14%
291.54%
13.39%
LAR
22.58%
20.78%
19.28%
24.11%
17.11%
-7.00%
LAR Coverage
38.50%
42.39%
44.90%
35.56%
48.00%
12.44%
Credit Cost
2.96%
3.35%
2.88%
3.42%
2.47%
-0.95%
Return on Assets (ROA) - b.t
3.56%
3.82%
3.97%
2.72%
3.76%
1.04%
Return on Assets (ROA) - a.t
2.84%
3.11%
3.21%
2.23%
3.03%
0.79%
Return on Equity (ROE) - Tier I
19.11%
21.38%
22.00%
16.87%
20.93%
4.05%
Return on Equity (ROE) - B/S
15.39%
17.08%
17.58%
14.09%
16.76%
2.67%
Tier I CAR
21.39%
21.97%
23.00%
24.27%
22.30%
-1.97%
Total CAR
22.39%
22.97%
24.00%
25.28%
23.30%
-1.98%
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