Source file signed link, expires in 15 minutes
Extracted text 13
Page 1
PUBLIC EXPOSE
2024
PT Bank Rakyat Indonesia (PERSERO) Tbk.
Page 2
MACRO ECONOMIC METRICS
Strong Dollar Offset by Declining Volatile Items Inflation
Quarterly GDP Growth (% YoY) Foreign Reserves & IDR/USD
8 Gini Coeff. GDP Growth 0.395
International Foreign Reserve (USD Bn) USD/IDR
5.18
6
4.96 5.03 5.01 5.04 5.11 0.393
17,0 00
16,375 175 .0
16,0 00
15,573
4 0.391
165 .0
14,390 14,120
2 0.388 0.389
15,0 00
13,866 14,263 15,399 155 .0
14,0 00
0 0.387
-2.17 146.4
144.9
145 .0
0.384
-2 0.384 0.385
13,0 00
137.2 140.2
135.9 135 .0
-4 0.382 0.383
12,0 00
129.2
0.381 125 .0
120.7
11,0 00
-6 0.381
10,0 00 115 .0
-8 0.379
2018 2019 2020 2021 2022 2023 1Q24 2018 2019 2020 2021 2022 2023 1H24
Inflation Trend (YoY %) Business Index: MSME vs Wholesale, MA (4)
Headline Core Administered Price Volatile Items Wholesale Business Activity Index MSME Business Activity Index - Adjusted
14 13.01
30.0
17.2
12 10.33 14.1
8.7 11.1
15.0
10 4.5
8 6.73 0.0
-5.6 9.9
5.7 4.6 5.1
6 4.32 5.02 2.9
5.96
3.05 -15.0 -7.0
4 2.41 -29.2
2 1.68 -30.0
3.07
0 1.69 1.721.39
1.08 0.56 -45.0
-2
2018 2019 2020 2021 2022 2023 1H24 1Q20 1Q21 1Q22 1Q23 1Q24 2Q24
2
Page 3
KEY FINANCIAL HIGHLIGHTS
Cost of Credit In Line with Guidance, Loan Growth at 11.2%, Strong YoY PPOP
Consolidated
Description
1H24 1Q24 1H23 g QoQ g YoY
Total Loan & Financing (IDR Bn) 1,336,780 1,308,651 1,202,129 2.1% 11.2%
Micro/ Total Loans 46.6% 47.6% 48.1% -1.0% -1.5%
Pre Provision Operating Profit (IDR Bn) 57,043 30,747 51,058 -14.5% 11.7%
NIM 7.64% 7.84% 7.92% -0.2% -0.3%
Total CAR 25.13% 23.97% 26.65% 1.2% -1.5%
CASA % 63.17% 61.66% 65.49% 1.5% -2.3%
Cost to Income Ratio (CIR) 41.00% 37.43% 41.79% 3.6% -0.8%
NPL (Gross) 3.05% 3.11% 2.95% -0.1% 0.1%
Credit Cost 3.48% 3.83% 2.26%
1.93% 2.47% 1.12%
-0.4% 1.2%
Net Credit Cost
ROA After Tax 3.01% 3.21% 3.30% -0.2% -0.3%
ROE B/S 19.23% 20.22% 19.87% -1.0% -0.6%
Leverage 6.3 6.7 6.0 -0.3 0.3
Net Profit (IDR Bn) 29,896 15,983 29,561 -12.9% 1.1%
PATMI (IDR Bn) 29,702 15,886 29,422 -13.0% 1.0%
*In compliance with OJK regulations, our calculation of consolidated financial ratios moved to monthly from quarterly starting in Jan-24. All calculations for 2024 and 2023 are adjusted for monthly data. 3
Page 4
1H24 STRENGTHS AND CHALLENGES
Key Strengths Key Challenges
❑ Measured Micro Loan Growth Reflects Asset Quality Focus ❑ High CoC is Showing Initial Signs of Improvement
• Bank Only Micro loan growth slowed to 5.7% YoY, compared to 10.4% in • Gross cost of credit at 1H24 was 3.48% supported by a decline to
Jun-23 as management is focusing on asset quality and recoveries. 3.13% in 2Q24. This figure remains above our FY24 guidance, as we
front-loaded provision for the micro and small business portfolios to
• Bank Only net NPL downgrade improved QoQ to Rp9.9Tn from Rp12.4Tn, curb the impact of potential deterioration. More importantly, net cost of
led by micro segment net downgrades to NPL improving to Rp5.9Tn from Rp credit in 2Q24 decreased to 1.42%.
7.3Tn in the prior quarter.
• In the micro segment lower food price inflation helped to support our
• The strategy in micro to add more loan officers and Business Support low to middle income customer base. Furthermore, loan restructurings
Assistants has elevated recovery income that increased 50.5% YoY to via tenor extension provided additional support.
Rp10.1Tn, and increased 30% QoQ to Rp5.7Tn from Rp4.4Tn.
• BRI still maintains ample NPL Coverage at 211.6% and our Loan Loss
Reserve is 6.5%, well above the pre-covid level of below 4.5%.
❑ Strong PPOP Growth Persists
• Loan growth in line with our FY24 target and strong recovery income growth ❑ Cost of Funds Remained Elevated
at 50.5% YoY supported PPOP growth of 11.7% YoY. • Our Bank Only Cost of Funds increased by 10bps QoQ to 3.53% in
2Q24 due to higher non-deposit funding costs, while cost of deposits
only increased 2bps. The decrease in weekly SRBI auctions are signs
❑ Capital Remains Strong & Dividend Payout Can support an that could alleviate some of this pressure.
Improved Capital Structure
• Tier 1 CAR stands at 24.02% and will continue to grow in 2024. Furthermore, • CASA increased to 63.17% at 2Q24 compared to 1Q24, following the
BRI maintains very high provisions to loans at 6.5%, leaving ample room for dividend payment and Ramadhan seasonal impact. Our liquidity is
supporting dividend expansion in 2024. ample as our LDR is at 86.6%, while our strategy in merchant
acquisition to improve retail funding has maintained CASA above pre-
covid levels at above 60%.
4
Page 5
BALANCE SHEET
Efficient asset management as loans & earning assets outstrip balance sheet growth
(IDR Bn)
Items 1H24 1Q24 1H23 g QoQ g YoY 2023 2022 2021
Cash and Cash Equivalent 102,002 110,311 117,456 -7.5% -13.2% 133,513 178,343 82,727
Total Earning Assets: 1,828,206 1,832,207 1,654,691 -0.2% 10.5% 1,791,006 1,665,968 1,588,914
- Placement with BI & Other Banks 47,065 69,046 65,932 -31.8% -28.6% 87,557 91,890 73,048
- Receivables (Acceptance & Others) 87,478 76,139 47,712 14.9% 83.3% 65,024 47,146 39,949
- Loans & Financing 1,336,780 1,308,651 1,202,129 2.1% 11.2% 1,266,429 1,139,077 1,042,867
- Gov't Bonds & Marketable Securities 349,490 370,907 332,139 -5.8% 5.2% 364,687 381,339 426,964
- Other Earning Assets 7,393 7,463 6,779 -0.9% 9.1% 7,308 6,515 6,086
Earning Asset Provision: (87,743) (89,398) (90,872) -1.9% -3.4% (88,172) (94,975) (89,821)
- Loans and Financing Provisions (86,415) (87,076) (88,238) -0.8% -2.1% (85,502) (93,088) (87,829)
- Other Provisions (1,328) (2,323) (2,634) -42.8% -49.6% (2,670) (1,887) (1,991)
Fixed & Non Earning Assets 134,907 135,955 123,872 -0.8% 8.9% 128,660 116,303 96,278
Total Assets 1,977,371 1,989,074 1,805,146 -0.6% 9.5% 1,965,007 1,865,639 1,678,098
Third Party Funds : 1,389,662 1,416,213 1,245,115 -1.9% 11.6% 1,358,329 1,307,884 1,138,743
- CASA 877,895 873,298 815,424 0.5% 7.7% 874,070 872,404 718,267
Current Account 356,855 354,386 298,310 0.7% 19.6% 346,124 349,756 220,590
Savings Account 521,041 518,912 517,115 0.4% 0.8% 527,946 522,648 497,677
- Time Deposits 511,767 542,916 429,691 -5.7% 19.1% 484,259 435,481 420,476
Other Interest Bearing Liabilities 186,567 178,360 175,343 4.6% 6.4% 180,023 162,817 167,005
Non-Interest Bearing Liabilities 89,412 95,602 86,196 -6.5% 3.7% 110,184 91,543 80,563
Total Liabilities 1,665,641 1,690,175 1,506,655 -1.5% 10.6% 1,648,535 1,562,244 1,386,311
Tier 1 Capital 279,459 266,204 266,050 5.0% 5.0% 283,949 273,812 266,166
Total Equity 311,731 298,898 298,492 4.3% 4.4% 316,472 303,395 291,787
Total Liabilities & Equity 1,977,371 1,989,074 1,805,146 -0.6% 9.5% 1,965,007 1,865,639 1,678,098
*Financial figures for 2021 is restated to include Pegadaian and PNM in accordance with PSAK 38 5
Page 6
LOANS & FINANCING PORTFOLIO
In line with Guidance, 3Q24 Likely to Slow
Loan Outstanding – by business segment (IDR Tn) Composition – by business segment (%)
120 .0%
1,60 0.0 1,60 0.0
1,40 0.0
1,308.7 1,336.8 1,40 0.0
1,266.4 100 .0%
1,202.1
1,139.1 16.1% 16.1% 15.3% 15.6% 16.8% 15.5% 18.0%
1,20 0.0
219.2 241.1 1,20 0.0
21.2%
197.7
1,020.2 1,042.9 186.6 3.3% 2.7% 2.4% 2.9% 2.9% 2.6%
38.3 41.5 80. 0%
3.1%
173.8 36.3 2.4%
1,00 0.0
903.2 31.6 1,00 0.0
19.2% 18.3% 18.9%
164.7 168.3 27.8 234.6 232.3 20.4% 17.9% 17.4%
231.2 24.0%
27.8 227.8 26.8%
800 .0
191.1 33.5 218.6 800 .0
60. 0%
212.5 198.8 14.4% 14.7% 15.0% 14.8% 14.8% 14.9%
21.5 244.6 190.0 194.0
178.3 14.2%
600 .0
167.6 600 .0
242.3 150.4 40. 0%
15.6%
144.8
400 .0 400 .0
140.5
611.2 622.6 623.0 46.4% 48.4% 48.3% 47.6% 48.1% 46.6%
551.3 577.9 20. 0%
42.4%
200 .0
432.5 483.9 200 .0
34.1%
307.7
- -
0.0 %
2019 2020 2021 2022 2023 1Q24 1H23 1H24 2019 2020 2021 2022 2023 1Q24 1H23 1H24
Micro Consumer Small Medium Corporate Total
YoY Growth ( % ) 7.8 11.5 2.0 31.6 29.2 11.2
(IDR Tn) 45.1 20.6 4.5 10.0 54.5 134.7
Recently, Bank Raya shifted portion of its Small Segment loans to Micro Segment amounting to Rp659 bn. If we adjust the Ultra Micro loans outstanding, it will impact loan growth by 11bps
√ Since 2022, BRI has classified SOE and Corporate non-SOE into Corporate Segment 6
Page 7
STRONG DEPOSIT GROWTH
CASA Improved QoQ by 150bps, Savings growth remains a challenge
1,60 0.0
Deposit Growth (IDR Tn) Deposit Products per Segment* (IDR Tn)
Total Deposit: 11.6% YoY Total Deposits 1H24: Rp1,384.4 Tn
1,416.2
CASA: -2.3% YoY 1,389.7 Savings Time Deposit Growth YoY
1,40 0.0 1,358.3 90. 0%
1,307.9 Micro 367.7 373.5 367.2 360.3 366.9
400 .0
335.4 356.3
1,245.1 350 .0
296.6 43.5 48.5 49.8 44.6 51.1 1.8%
300 .0 45.1 43.4
45.7 14.7%
1,138.7
1,20 0.0 250 .0
1,120.9 80. 0% 200 .0
542.9 511.8
484.3 19.1% 312.9 324.1 325.0 317.4 315.7 315.7
250.9 290.3 0.0%
150 .0
1,021.2 435.5
YoY 100 .0
1,00 0.0
429.7 50.0
-
420.5 70. 0%
2019 2020 2021 2022 2023 1Q24 1H23 1H24
452.1
66.7% Retail Demand Deposit Savings Time Deposit
431.9 65.5%
800 .0
64.3% 509.6 9.4%
469.1 488.1 502.0
600 .0
63.1% 63.2% 466.0
61.7% 500 .0
410.6 412.6
59.7%
60. 0%
374.6
0.8%
400 .0
180.0 197.4 210.2 176.1 210.4 19.5%
57.7% 154.7
600 .0
522.6 527.9 518.9 521.0 YoY 300 .0
155.2 170.5
517.1 1.8%
198.4 202.7 201.0 201.6 205.3
200 .0
154.7 170.0 183.3
497.7
100 .0
50. 0%
476.1 -
64.7 70.1 74.6 90.7 88.1 90.7 88.3 93.8 6.3%
400 .0
414.3 2019 2020 2021 2022 2023 1Q24 1H23 1H24
Wholesale Demand Deposit Time Deposit
40. 0%
541.2 508.0 22.6%
200 .0
19.6% 600 .0
464.0 491.1
349.8 346.1 354.4 356.9 414.2
298.3 YoY 500 .0
220.6 359.0
174.9 192.7 400 .0
298.6 306.6 277.9 244.7 19.0%
206.7 233.7
300 .0
205.6
215.8
196.7 195.0
- 30. 0%
200 .0
2019 2020 2021 2022 2023 1Q24 1H23 1H24 100 .0
257.3 257.4 263.3 208.6 263.3 26.2%
101.9 111.7 143.2
Demand Deposit Savings Time Deposit CASA
-
2019 2020 2021 2022 2023 1Q24 1H23 1H24
*Data is presented in Bank Only 7
Page 8
WELL CAPITALIZED BALANCE SHEET PROVIDES FLEXIBILITY
CAR Remains Elevated Following 80% DPO
40. 00% 25. 00%
19.80% 20.22%
19.23%
17.34% 17.63% 20. 00%
35. 00%
14.47%
12.23%
15. 00%
30. 00%
10. 00%
27.16% 27.27%
25.51% 25.13%
23.97%
5.0 0%
25. 00%
22.77% 26.16% 26.12%
24.50% 24.02% 0.0 0%
REGULATORY 20.14% 22.86%
REQUIREMENT 20. 00% 21.65%
-5.00%
19.06%
17.5% DPO DPO
If Basel 3 fully DPO -10.00%
Max 2.5%
85%
15. 00%
implemented 85% ~80% Countercyclical Buffer
DPO -15.00%
15.0% DPO 65% 2.5% Capital
Conservation Buffer
10. 00%
Normal condition 60% -20.00%
2.5% Capital Surcharge
on Systemic Bank
5.0 0% -25.00%
2019 2020 2021 2022 2023 1Q24 1H24 10% CAR based on
Risk Profile
Tier 1 CAR Tier 2 CAR Total CAR ROE B/S
Leverage (x) 6.8 7.0 5.8 6.1 6.2 6.7 6.3
• As of Jan’23, as part of the implementation of Basel 3, the change on RWA of Operational & Credit Risk adds 329bps to BRI total CAR
• BRI distributed full year dividend of Rp319 per share paid on 28 March 2024 (including interim dividend of Rp84 per share)
*In compliance with OJK regulations, our calculation of consolidated financial ratios moved to monthly from quarterly starting in Jan-24. All calculations for 2024 and 2023 are adjusted for monthly data. 8
Page 9
INCOME STATEMENT
Strong Recovery Income of +50.5% Supporting PPOP Growth
(IDR Bn)
Items 2Q24 1Q24 2Q23 g QoQ g YoY 1H24 1H23 g YoY
Interest Income 48,572 50,075 43,131 -3.0% 12.6% 98,647 85,591 15.3%
Interest Expense (14,596) (14,123) (10,369) 3.3% 40.8% (28,718) (20,050) 43.2%
Net Interest Income 33,977 35,952 32,761 -5.5% 3.7% 69,929 65,540 6.7%
Net Premium Income 896 562 445 59.5% 101.4% 1,458 887 64.4%
Other Operating Income (Non-Interest) - incld. Gold 12,668 12,622 11,265 0.4% 12.5% 25,290 21,288 18.8%
Total Operating Expenses (21,245) (18,389) (18,566) 15.5% 14.4% (39,635) (36,657) 8.1%
Personnel Expenses (10,869) (9,764) (8,176) 11.3% 32.9% (20,633) (18,861) 9.4%
G&A Expenses (7,357) (6,917) (6,963) 6.4% 5.7% (14,275) (13,533) 5.5%
Others Expenses (3,019) (1,708) (3,427) 76.7% -11.9% (4,727) (4,263) 10.9%
Pre Provision Operating Profit 26,296 30,747 25,905 -14.5% 1.5% 57,043 51,058 11.7%
Provision Expenses (7,784) (10,713) (8,223) -27.3% -5.3% (18,497) (13,821) 33.8%
Loan - Provision Exp (10,393) (12,336) (6,306) -15.8% 64.8% (22,729) (13,242) 71.6%
Non Loan - Provision Exp 2,609 1,623 (1,917) 60.8% 236.1% 4,232 (580) -830.1%
Profit From Operations 18,511 20,034 17,682 -7.6% 4.7% 38,545 37,237 3.5%
Non Operating Income 13 (109) (79) 112.3% 117.1% (96) (37) 160.2%
Net Income Before Tax 18,525 19,925 17,604 -7.0% 5.2% 38,450 37,200 3.4%
Net Profit 13,914 15,983 13,997 -12.9% -0.6% 29,896 29,561 1.1%
Profit After Tax & Minority Interest (PATMI) 13,816 15,886 13,926 -13.0% -0.8% 29,702 29,428 0.9%
9
Page 10
EARNING ASSET YIELD & MARGINS REMAIN ELEVATED
NIM – Bank Only vs Consolidated Lending Yield, EA Yield, and Cost of Fund
16. 0%
13.4% 13.3%
8.5 %
7.9% 8.0% 7.5 %
12.3%
14. 0%
12.5% 12.5% 12.3%
8.0 %
7.0% 7.7% 7.6%
12. 0%
7.0 %
6.9%
7.5 %
10. 0%
7.0 %
6.9% 10.6% 10.8%
6.8% 6.8% 6.5 %
10.1% 10.0%
6.5 %
8.0 %
9.5% 9.6%
6.0 % 6.7% 6.4% 6.0 %
3.7%
6.0 %
3.5% 3.6%
5.5 %
3.1%
5.0 %
6.0% 4.0 %
2.3% 2.1%
5.5 %
2.0 %
4.5 %
0.0 %
4.0 % 5.0 %
2019 2020 2021 2022 2023 1H24 2019 2020 2021 2022 2023 1H24
NIM - Consol. NIM - Bank Only Loan Yield Earning Asset Yield CoF
37.5
40.0
40.0
35.0
35.0
34.0 34.0 Loan & Financing to Total EA and LDR
31.1
30.0
30.0
28.1 88.45% 88.51% 86.59%
84.77%
100 .0%
84.22% 83.28%
90. 0%
78.82%
80. 0%
25.0
25.0
21.1
70. 0%
60. 0%
20.0
20.0
50. 0%
26.1 26.6 26.7 40. 0%
69.6% 67.5% 65.6% 68.4% 70.7% 71.4% 73.1%
15.0
15.0
20.2 21.9 21.6 30. 0%
20. 0%
10. 0%
10.0
10.0
0.0 %
2019 2020 2021 2022 2023 1H24 2019 2020 2021 2022 2023 1Q24 1H24
Quarter NII - Consol (IDR Tn) Quarter NII - Bank Only (IDR Tn) % Loan & Financing to Total EA LDR - Consol. (Bank Entity)
*In compliance with OJK regulations, our calculation of consolidated financial ratios moved to monthly from quarterly starting in Jan-24. All calculations for 2024 and 2023 are adjusted for monthly data. 10
Page 11
THE ULTRA MICRO ECOSYSTEM
UMI Loans Up 7.7% YoY to Rp 622.3 Trillion
Loan Composition - Outstanding (IDR Tn) # Borrowers (in Mn)
7.7% YoY 0.4% YoY
BRI Micro Pegadaian PNM BRI Micro Pegadaian PNM Total
622.0 622.3 36.9 36.7 36.0 36.1
611.2 8.0% 35.3
577.9
551.3 47.1 49.8 49.2 31.0
71.6 45.5
483.9 42.6 67.6 77.0 22.5%
62.9 14.0 15.2 15.2 14.7 15.0
34.5 59.1
11.2 1.8%
52.4
7.0 7.7 7.8 6.9 7.7
5.7% 6.6 11.3%
496.6 500.7 469.5 496.2
449.6
397.0
351.4
13.3 14.4 14.0 13.7 14.3 13.4 -6.3%
11.7
2020 2021 2022 2023 1Q24 1H23 1H24 2020 2021 2022 2023 1Q24 1H23 1H24
Key Ratios
BRI Pegadaian PNM
Description
9M21* 1Q23 1H23 1Q24 1H24 9M21 1Q23 1H23 1Q24 1H24 9M21 1Q23 1H23 1Q24 1H24
Cost of Fund 2.1% 2.6% 2.7% 3.5% 3.6% 6.2% 5.7% 5.8% 6.1% 6.1% 8.7% 6.9% 6.9% 6.6% 6.5%
Credit Cost 3.8% 2.4% 2.3% 3.8% 3.5% 1.7% 1.0% 1.7% 1.1% 0.8% 1.3% 3.9% 3.0% 6.8% 6.1%
CIR 42.1% 37.4% 39.0% 34.3% 37.5% 63.0% 55.3% 55.5% 51.8% 52.3% 76.7% 70.2% 71.0% 59.7% 60.1%
Pegadaian & PNM joined BRI Group as part of the Ultra Micro Holding in September 2021
Pegadaian, PNM’s Cost Of Fund (COF) calculated by dividing annualized interest expense with average monthly Interest-Bearing Liabilities
PNM’s financing outstanding include financing disbursed to LKMS (Syariah Micro Financing Institution) and venture capital 11
Page 12
BRI MICRO BUSINESS PERFORMANCE
Increasing Kupedes Composition and Customer Base
Micro Loan Outstanding (IDR Tn) # Borrowers (in Mn) # Borrowers per Loan Officer
16. 0 15. 0
600 .0 575 .0 600
496.6 500.7 496.2 14.4 14.0 14.3 528 519 533
469.5 13.3 13.7 13.4
449.6
14. 0
0.6 0.5 0.6 13. 0
488 499 493
500 .0 475 .0
0.7 0.5 0.5 500
397.0 62.5 11.7 2.8 430
64.3 61.2
4.1
12. 0 11. 0
351.3 66.9 10.5 0.8 2.8 4.7
400 .0
68.9 375 .0 4.7 4.7 400
375
307.7 10. 0
0.9 9.0
74.9 3.4
79.9 129.2 212.3 216.6 182.8 212.3 8.0 7.0
3.9
300
300 .0 275 .0
83.2 131.8 6.0 5.0
200 .0
144.7 175 .0
10.9 200
9.8 9.6
8.8 8.5 8.3
155.1 4.0
7.5
3.0
251.5 219.9 221.5 219.8 222.7 5.7
190.3
100
100 .0 75. 0
2.0 1.0
126.7
69.3 0
0.0 -25.0 0.0 -1.0
2019 2020 2021 2022 2023 1Q24 1H23 1H24 2019 2020 2021 2022 2023 1Q24 1H23 1H24 2019 2020 2021 2022 2023 1Q24 1H23 1H24
KUR Kupedes Briguna KUR Kupedes Briguna
Growth YoY Growth YoY Loan OS per Loan Officer (in Bn)
20.0
18.4 18.2 17.5 18.2
Product 2019 2020 2021 2022 2023 1Q24 1H23 1H24 Product 2019 2020 2021 2022 2023 1Q24 1H23 1H24
18.0
16.5
16.0
14.6
14.0
12.9
11.0
KUR 279.5% 82.8% 50.1% 32.2% -12.6% -0.5% -2.5% 1.3% KUR 4.5% 31.4% 31.1% 10.8% -19.12% -15.0% -8.7%-14.2%
12.0
10.0
8.0
Kupedes 53.4% -6.8% -8.9% -1.9% 64.3% 30.7% 43.0% 16.1% Kupedes 8.7%-12.8%-19.5% 2.7% 64.71% 25.9% 57.3% 13.3% 6.0
4.0
Briguna 39.9% -4.0% -6.3% -8.0% -6.7% -8.3% -7.1% -8.6% Briguna -3.9% -9.8%-10.1%-13.6% -12.62% -13.7% -10.7%-13.7% 2.0
-
Total 72.0% 14.2% 13.0% 13.3% 10.4% 9.7% 10.4% 5.7% Total 5.3% 11.4% 13.5% 7.8% -2.2% -4.3% 3.7% -6.3% 2019 2020 2021 2022 2023 1Q24 1H23 1H24
Bank only numbers 12
Page 13
Thank You
PT BANK RAKYAT INDONESIA (Persero) Tbk.
Investor Relations
7th floor BRI II Building
Jl. Jenderal Sudirman No. 44-46 Jakarta 10210
Indonesia
Phone : 62 21 5752006/09, 5751952/79
Website : www.ir-bri.com
Email : ir@bri.co.id
13
Names mentioned 2 people and organisations named in the text · linked when the evidence is strong
unresolved
org
Bank Only Micro
p.4
Extraction attempts how the parser did, and what it refused
Nothing structured was extracted from this document — the attempts below say why.
No extraction attempted yet.