Investor Presentaiton
FINANCIAL RATIOS
Asset Quality
NPL (gross)
NPL Coverage
Liquidity
CASA
LDR*
Profitability
Description
BRI
(IDR Billion)
2018
2019
2020
2021
2022
1Q'22
1Q'23
ΔΥΟΥ
2.28%
185.94%
2.80%
154.63%
2.88%
239.20%
3.00%
281.16%
2.67%
305.73%
3.09%
286.23%
2.86%
-0.23%
282.49%
-3.74%
60.14%
57.70%
59.66%
63.08%
66.70%
63.63%
64.53%
0.89%
88.40%
88.45%
83.45%
83.53%
78.82%
86.96%
84.94%
-2.02%
Cost of Fund (CoF)
3.54%
3.66%
3.53%
2.36%
2.06%
1.97%
2.68%
0.72%
NIM
7.22%
6.73%
6.90%
7.70%
7.85%
7.72%
7.82%
0.10%
Cost to Income Ratio (CIR)
41.15%
40.45%
48.25%
46.40%
44.87%
42.23%
41.83%
-0.40%
Operating Expense to Operating Income
70.02%
72.08%
83.46%
78.54%
69.10%
68.26%
64.47%
-3.79%
ROA before tax
3.51%
3.28%
2.08%
2.64%
3.79%
3.69%
4.25%
0.56%
ROA after tax
2.73%
2.60%
1.46%
2.13%
3.01%
2.94%
3.38%
0.44%
ROE Tier 1
ROE BS
Capital
20.04%
18.40%
11.58%
16.04%
19.59%
19.00%
23.55%
4.55%
18.85%
17.34%
10.52%
13.86%
17.63%
17.22%
21.18%
3.96%
Tier1 CAR
20.18%
21.65%
19.06%
26.16%
24.50%
23.61%
23.93%
0.32%
Total CAR
21.35%
22.77%
20.14%
27.16%
25.51%
24.61%
24.98%
0.37%
*Only calculated BRI and Raya financial numbers. If loan & financing of all subsidiaries are calculated, LDR is 95.91% in 10'22 and 94.00% in 10'23
**Financial figures for 2020 and 2021 is restated to include Pegadaian and PNM in accordance with PSAK 38
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