BRI Performance Highlights and Green Initiatives
KEY METRICS - CONSOLIDATED
Solid Performance across Major Metrics
NPL & Coverage
LAR & Coverage
NPL
NPL Coverage
LAR
LAR Coverage
3.00%
23.31%
305.73%
2.67%
281.16%
36.14%
16.46%
49.66%
ā-0.32%
24.57%
-6.85%
13.52%
83.53%
LDR*
Cost of Fund
NIM
4.70%
78.82%
2.36%
-0.30%
2.06%
7.70%
ā 0.15%
BRI
Credit Cost
7.85%
3.78%
-1.23%
2.55%
2021 2022
2021
2022
2021
2022
2021
2022
2021
2022
2021
2022
2021
2022
2021
2022
48.56%
2021
CIR
-1.18%
47.38%
2022
Operating Expense to
Operating Income
ROA BT
78.54%
2021
-9.44%
69.10%
2022
2.64%
2021
1.15%
3.79%
2022
2.13%
2021
ROA AT
ROE B/S
0.88%
*Only calculated BRI and Raya financial numbers. If loan & financing of all subsidiaries are calculated, LDR is 91.58% in 2021 and 87.09% in 2022
Total CAR
17.63%
27.16%
3.01%
25.54%
-1.62%
13.86%
-1.63%
26.16%
24.53%
3.78%
2022
2021
2022
2021
2022
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