Description 2023 2022 2021 2020*) 2019 Percentage of Lending in Excess of Legal Lending Limit - Related parties Nihil Nihil Nihil Nihil Nihil - Non-related Parties Nihil Nihil Nihil Nihil Nihil Reserve Requirement - Rupiah 8.05% 12.11% 4.47% 3.19% 6.15% Reserve Requirement - Foreign Currency 4.22% 4.24% 4.13% 4.01% 8.07% Net Open Position 0.62% 0.85% 0.81% 1.07% 1.87% Other Ratio Cost To Revenue Ratio (consolidated) 37.74% 41.95% 43.26% 45.40% 40.03% *) Restated regarding the implementation of Statement of Financial Accounting Standards No. 38 **) Including mudharabah and musyarakah savings ***) Recognition of gold sales originating from PT Pegadaian is recognized since Pegadaian’s profit and loss is fully consolidated in 2022. Operational Overview Table of Micro Segment Operational Performance (Bank Only) (in billion Rupiah) Description 2023 2022 2021 2020 2019 Micro Businnes Number of Debtors (in millions) 14.0 14.4 13.3 11.7 10.6 Third Party Funds (in millions) 373,474 367,657 356,268 335,422 296,563 Loan (in billion) 496,554 449,627 396,959 351,352 307,722 AgenBRILink (in full amount) 740,818 627,012 503,151 504,233 422,160 Table of Retail Segment Operational Performance (Bank Only) (in billion Rupiah) Description 2023 2022 2021 2020 2019 Small and Medium Business Loan 260,337 237,834 224,940 217,219 220,202 Consumer Loan Business Loan 182,355 161,722 149,306 143,680 140,499 Third Party Funds 488,122 469,091 429,701 410,298 374,453 Table of Operational Performance of the Corporate Segment (Bank Only (in billion Rupiah) Description 2023 2022 2021 2020 2019 Corporate Business 206,835 180,620 172,425 168,434 191,135 Third Party Funds 491,087 464,028 341,879 306,943 298,734 PT Bank Rakyat Indonesia (Persero) Tbk. 2023 Annual Report 32
RkJQdWJsaXNoZXIy NTM2MDQ5