Investor Presentaiton
IMPROVING NIM WHILE MAINTAINING AMPLE LIQUIDITY
NIM - Bank Only vs Consolidated
Lending Yield, EA Yield, and Cost of Fund
(BRI
NIM - Consol.
NIM - Bank Only
12.64%
12.31%
12.49%
12.52%
12.30% 12.76%
7.85%
7.45%
7.70%
7.82%
10.47%
10.09%
10.01%
9.47%
9.57% 10.13%
6.98%
6.90%
3.54%
3.73%
6.80%
3.53%
2.68% !
2.32%
7.22%
2.06%
6.73%
6.89%
19.8 19.4
20.5 20.7 21.1 21.0
19.5
37.5
6.00%
6.67%
2018
2019
2020
2021
2022 Q'23
Loan Yield
Earning Asset Yield
COF
34.2
32.8
31.9
31.1
30.4
27.8 28.0
28.1
27.1
Loan & Financing to Total EA and LDR
88.40%
88.45%
83.45%
83.53%
84.94%
78.82%
28.6
15.5
19.0 18.7 19.8 19.9 20.2 20.0
21.9 22.8 23.6 23.3
26.1 25.1
25.7
26.3
70.8%
69.6%
67.5%
65.6%
68.4%
70.0%
21.6
18.7
14.5
2018
2019
2020
2021
■Quarter NII - Consol (IDR Tn)
Quarter NII - Bank Only (IDR Tn)
2022 Q'23
2018
2019
2020
2021
2022
1Q'23
% Loan & Financing to Total EA
⚫LDR - Consol.
27View entire presentation