BRI Performance Highlights and Green Initiatives
MANAGEMENT HIGHLIGHTS
Macro Holds Up Well
Despite Global Environment
Strategic Response has Secured Sustainable Business Growth
and Delivered Record Profit
BRI
Room to Increase ROE Through
Normalized Leverage
GDP Growth
Inflation vs BI7DRR
Source of Growth
5.02
5.31
3.69
5.95
5.51
4.35
3.5
3.5
3.5
4.42-5.04
Retail Segment
as source of
asset & TPF
5.5
growth
4.25
UMI Holding
3.5
as source of
2.64
1.68 1.87
asset & TPF
2
SME &
Consumer
growth
2019 2020 2021 2022E2023E
2020 2021 Q1'22 1H'22 9M'22 2022
BI7DRR
Inflation
Ultra Micro
-2.07
1
Holding
Positive Growth Of GDP Will
Continue Despite Potential
Downshift
Benchmark rate starts to increase
as pre-emptive response to
control overshooting inflation
2.10
Trade Balance
4.54
(USD Bn)
5.15
4.97
3 Wholesale
Strong Capital
Wholesale
as source of
TPF and fee
income growth
through
wholesale
transaction
banking
REGULATORY REQUIREMENT
17.5%
If all Basel 3 fully
implemented
15.0%
Normal condition
12.5%
OJK Relaxation
Sufficient Liquidity
ROE: ROA & Leverage
17.77%
25.28%
23.30%
20.61%
16.76%
14.09%
7.1
5.5
6.4
6.3
9.91%
2.77%
3.03%
2.23%
1.39%
2020
2021
2022
2019
During Pandemic
2020
2021
2022
Growth Quality
MSME Business Index
Limit of RIM
48.0%
-89.0% -88.9%-
94%
87.6%
42.4%
44.9%
38.5%
35.6%
Q3'22 Q4'22
83.7% 83.7%
138.3
88.5%
84%
28.3%
87.1% 87.5%
80.0%
130.1
126.5
127.2
124.0
82.8%
82.0%
114.6
79.2%
25.8%
24.1% 22.6%
20.8%
19.3%
17.1%
3.89
103.2105.9
1.01
2020 2021 Q1'22 1H'22 9M'22 2022
Trade surplus momentum
continued, supported by high
commodity price & industrial
down streaming
Business Business Business Government
Activity Activity Sentiment Perception
Index Expectation Index
Index
Index
Economic activity has steadily
normalized with optimism for
continuing economic recovery
*Bank only numbers
2020
2021 Q1'22 1H'22 9M'22 2022
<<-0-LDR
O-RIM
2020 2021 Q1'22 1H'22 9M'22 2022
-O-LAR
Sustainable Profit
-O-LAR Coverage
ROE
ROA
Leverage
Subsidiary Contribution
to Diversify Income
Subsidiary Contribution -
Net Profit
0.70%
0.90%
10.20%
2019
2020R
2021
2022
-4.50%View entire presentation