The original consolidated financial statements included herein are in the Indonesian language. PT BANK RAKYAT INDONESIA (PERSERO) Tbk DAN ENTITAS ANAKNYA CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN Tanggal 31 Desember 2024 dan untuk Tahun yang Berakhir pada Tanggal Tersebut (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) PT BANK RAKYAT INDONESIA (PERSERO) Tbk AND ITS SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS As of December 31, 2024 and for the Year Then Ended (Expressed in millions of Rupiah, unless otherwise stated) 385 49. INFORMASI TAMBAHAN (lanjutan) 49. ADDITIONAL INFORMATION (continued) l. Rasio Giro Wajib Minimum (GWM) (lanjutan) l. The Minimum Statutory Reserve (GWM) (continued) Berdasarkan PBI No. 20/4/PBI/2018 tanggal 29 Maret 2018, penyebutan Loan to Funding Ratio (LFR) berubah menjadi Rasio Intermediasi Makroprudensial (RIM), dan kewajiban pemenuhan Giro RIM mulai berlaku pada tanggal 16 Juli 2018. Giro RIM adalah simpanan minimum yang wajib dipelihara oleh Bank dalam bentuk saldo Rekening Giro pada Bank Indonesia sebesar persentase tertentu dari DPK yang dihitung berdasarkan selisih antara RIM yang dimiliki oleh Bank dan RIM Target. Giro RIM dikenakan jika RIM Bank di bawah minimum RIM target Bank Indonesia (84%) atau di atas maksimum RIM target Bank Indonesia (94%) dengan Kewajiban Penyediaan Modal Minimum (KPMM) Bank lebih kecil dari KPMM Insentif Bank Indonesia yang sebesar 14%. Peraturan tersebut telah disempurnakan sebanyak 4 (empat) kali dengan perubahan terakhir PBI No.24/16/PBI/2022 tanggal 31 Oktober 2022. PBI tersebut dijelaskan melalui PADG No. 18 Tahun 2023 tanggal 29 November 2023. Based on PBI No. 20/4/PBI/2018 dated March 29, 2018, Loan to Funding Ratio (LFR) changed to Macroprudential Intermediation Ratio (RIM), and RIM fulfillment obligations are applicable starting on July 16, 2018. RIM is the minimum deposit the Bank is obliged to maintain in the form of Current Account balance at Bank Indonesia at a certain percentage of third-party funds which calculation is based on the difference between the RIM held by the Bank and the Targeted RIM. RIM is charged if the Bank’s RIM is below Bank Indonesia’s minimum targeted RIM (84%) or above Bank Indonesia’s maximum targeted RIM (94%) with Bank's Minimum Capital Adequacy Ratio (CAR) smaller than Bank Indonesia's Incentive CAR of 14%. The regulation has been amended 4 (four) times with the latest amendment PBI No. 24/16/PBI/2022 dated October 31, 2022. The PBI is explained through PADG No. 18 Year 2023 dated November 29, 2023. Rasio GWM BRI (entitas induk) pada tanggaltanggal 31 Desember 2024 dan 2023 adalah sebagai berikut: GWM ratios of BRI (parent entity) as of December 31, 2024 and 2023 are as follows: 31 Desember 2024/ 31 Desember 2023/ December 31, 2024 December 31, 2023 Rupiah Rupiah GWM Primer 5,39% 8,05% Primary GWM (i) GWM secara harian 0,00% 0,00% (i) GWM daily (ii) GWM secara rata-rata*) 5,39% 8,05% (ii) GWM average*) Penyangga Likuiditas Macroprudential Liquidity Makroprudensial (PLM) 12,55% 14,24% Buffer Ratio (PLM) Mata uang asing 4,69% 4,22% Foreign currency (i) GWM secara harian 2,00% 2,00% (i) GWM daily (ii) GWM secara rata-rata 2,69% 2,22% (ii) GWM average *) Setelah dikurangi insentif sesuai PADG No. 11 Tahun 2023. *) After deducting incentives based on PADG No. 11 Year 2023. Pada tanggal-tanggal 31 Desember 2024 dan 2023, BRI telah memenuhi ketentuan Bank Indonesia tentang rasio-rasio tersebut di atas. As of December 31, 2024 and 2023, BRI has complied with Bank Indonesia’s regulations regarding ratios mentioned above.
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