BRI Performance Highlights and Green Initiatives
LOAN QUALITY - BANK ONLY
Loan at Risk Continues to Decline Coupled with More Adequate Provisioning
Loan At Risk
% to Total Loan
Total Restructured Loans
% to Total Loan
BRI
Credit Risk Management Strategy
29.8%
28.3% 28.8%
27.3%
25.6%
24.1%
22.6%
20.8%
19.3%
17.1%
22.1%
21.2% 21.3% 19.2% 17.8%
22.1% 21.2% 21.3%
19.2%
16.6%
14.8%
12.9%
17.8% 16.6%
11.6%
14.8%
10.4%
12.9% 11.6%
27.2%
26.2% 26.3%
24.5%
23.0%
Preventive and anticipative ways to mitigate
uncertainties
21.8%
19.8%
17.8%
16.2%
14.4%
01
Build adequate provision in accordance with
borrowers' risk classification
10.4%
7.7% 7.1% 7.6% 8.1% 7.8% 7.5% 7.8% 7.9% 7.7% 6.7%
9M'20 2020 1Q'21 1H'21 9M'21 2021 Q1'22 1H'22 9M'22 2022
LAR Non Covid-19
Restru Covid-19
LAR & LAR Coverage (Inc. Covid-19)
Total LAR
5.1% 5.0% 5.1% 5.3% 5.1% 5.1% 5.0% 4.9% 4.7% 3.9%
9M'20 2020 Q1'21 1H'21 9M'21 2021 Q1'22 1H'22 9M'22 2022
Restru Non Covid-19 1 Restru Covid-19
Total Restructured Loans by Collectability
48.0%
44.9%
42.4%
38.5%
35.6%
33.3%
29.8%
31.0%
28.3% 28.8%
27.6% 27.3%
25.8%
25.6%
24.1%
22.6%
21.8%
20.8%
19.3%
17.1%
02
Conduct stress tests and portfolio review
periodically
Total Restru
03
Closely monitor borrowers' capacity, soft
lending strategy, to anticipate cliff effect at
the end of OJK relaxation
9.4%
11.0%
11.0%
16.4%
04
Early detection to see potential restructuring
failures and develop strategy
79.6%
72.6%
05
Selective loan growth based on Loan Portfolio
Guideline and "business follow stimulus"
2021
2022
9M'20
2020 10 21 1H'21 9M'21 2021 Q1'22 1H'22 9M'22 2022
Current SML NPL
LAR
LAR Coverage
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