Description 2023 2022 2021 2020*) 2019 Cash and cash equivalents at the end of the period consist of: Cash 31,603,784 27,407,478 26,299,973 32,274,988 30,219,214 Current accounts with Bank Indonesia 101,909,121 150,935,150 56,426,573 51,530,969 71,416,449 Demand Deposits with Other Banks 22,331,919 21,488,434 14,065,097 12,266,266 10,237,736 Placement with Bank Indonesia and other financial institutions - maturing within three months or less since the acquisition date 62,678,940 68,361,106 57,132,958 65,043,738 113,800,580 Certificates of Bank Indonesia and Deposits Certificates of Bank Indonesia - maturing within three months or less since the acquisition date 153,970 - - 10,674,207 11,232,450 Total Cash and Cash Equivalent 218,677,734 268,192,168 153,924,601 171,790,168 236,906,429 FINANCIAL RATIO (BANK ONLY) Liquidity LDR 84.73% 79.17% 83.67% 83.66% 88.64% Kualitas Kredit NPL Gross 3.12% 2.82% 3.08% 2.94% 2.62% NPL Nett 0.76% 0.73% 0.70% 0.80% 1.04% NPL Coverage 215.27% 291.54% 278.14% 247.98% 166.59% Profitability NIM 6.84% 6.80% 6.89% 6.00% 6.98% BOPO 64.35% 64.20% 74.30% 81.22% 70.10% CER 38.32% 41.33% 44.39% 46.60% 40.26% ROA 3.93% 3.76% 2.72% 1.98% 3.50% ROE – Tier I 22.93% 20.93% 16.87% 11.05% 19.41% Profit (loss) to income ratio 28.03% 29.50% 21.19% 13.27% 23.78% Liabilities to Total Assets ratio 83.72% 83.23% 81.79% 86.33% 84.84% Liability to Equity Ratio 480.70% 496.34% 449.11% 631.52% 559.45% Earning Assets Earning Assets and Non-performing NonEarning to Total Earning Assets and NonEarning Assets 1.95% 1.72% 1.77% 1.82% 1.74% Non-performing Earning Assets to Total Earning Assets 1.95% 1.72% 1.77% 1.81% 1.98% Allowance for Impairment Losses on Financial Assets to Earning Assets 5.24% 6.11% 6.16% 5.42% 3.36% Capital Minimum Capital Adequacy Ratio 25.23% 23.30% 25.28% 20.61% 22.55% Capital Adequacy Ratio Tier 1 24.06% 22.30% 24.27% 19.59% 21.52% Compliance Percentage of Legal Lend ing Limit Violation - Related parties Nihil Nihil Nihil Nihil Nihil - Non-related Parties Nihil Nihil Nihil Nihil Nihil PT Bank Rakyat Indonesia (Persero) Tbk. 2023 Annual Report 31 Performance Highlights
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