PT Bank Rakyat Indonesia Persero Tbk : BRI Quarterly Publication September 30 2023

		STATEMENTS OF FINANCIAL POSITION
		PT BANK RAKYAT INDONESIA (PERSERO) Tbk
		As of September 30, 2023 and December 31, 2022
						(in million rupiah)
			INDIVIDUAL	CONSOLIDATED
No.		DESCRIPTION	September 30, 2023	December 31, 2022	September 30, 2023	December 31, 2022
				(Audited)		(Audited)
ASSETS
1.	Cash	23,993,567	27,320,384	24,132,475	27,407,478
2.	Placements with Bank Indonesia	100,353,422	204,173,428	101,362,115	206,099,330
3.	Placements with other banks	28,857,042	34,472,665	30,571,893	36,700,721
4.	Spot and derivative/forward receivables	1,023,338	911,405	1,032,524	911,405
5.	Securities	324,610,175	337,827,485	349,192,292	358,783,819
6.	Securities sold under repurchase agreement (repo)	15,923,111	10,309,955	16,229,393	10,608,374
7.	Securities purchased with agreement to resell (reverse repo)	26,429,903	51,014,678	26,719,301	51,014,678
8.	Acceptances receivables	9,056,055	7,096,719	9,056,055	7,167,600
9.	Loans	1,136,001,212	1,029,802,549	1,184,682,207	1,079,274,819
10.	Sharia Loans	-	-	13,151,937	10,514,329
11.	Finance receivables	-	-	52,880,528	49,287,917
12.	Investments in shares	48,943,362	47,936,173	6,921,985	6,506,903
13.	Other financial assets	16,179,228	17,673,390	23,216,351	24,129,862
14.	Impairment on financial assets -/-
	a.	Securities	(2,895,756)	(1,712,512)	(2,907,052)	(1,721,764)
	b.	Loans	(79,796,224)	(84,578,819)	(84,486,306)	(89,610,033)
	c.	Others	(403,478)	(155,231)	(3,790,184)	(3,636,231)
15.	Intangible assets	-	-	806,416	806,416
	Accumulated amortisation for intangible assets -/-	-	-	-	-
16.	Premises and equipment	57,797,335	54,097,275	79,211,447	73,951,201
	Accumulated depreciation on premises and equipment -/-	(15,922,771)	(14,582,523)	(20,930,881)	(18,735,154)
17.	Non-productive assets
	a.	Abandoned property	17,380	17,385	17,380	17,385
	b.	Foreclosed assets	59,366	62,732	64,203	67,569
	c.	Suspense account	-	-	-	-
	d.	Inter office assets	21,923	6,717	21,923	6,717
18.	Other assets	35,754,937	29,300,818	44,808,851	36,085,669
	TOTAL ASSETS	1,726,003,127	1,750,994,673	1,851,964,853	1,865,639,010
	LIABILITIES
1.	Demand deposits	315,441,967	349,491,946	314,709,676	349,755,590
2.	Savings deposits	505,035,508	521,039,799	506,425,583	522,647,920
3.	Time deposits	465,405,547	430,243,873	469,151,155	435,480,503
4.	Electronic money	502,904	456,179	502,904	456,179
5.	Liabilities to Bank Indonesia	107,822	113,491	107,822	113,491
6.	Liabilities to other banks	11,152,211	9,480,779	11,088,742	9,334,547
7.	Spot and derivative/forward payable	2,209,825	783,921	2,209,825	783,921
8.	Liabilities on securities sold under repurchase agreements (repo)	14,921,031	9,724,245	15,211,647	9,997,592
9.	Acceptances payable	9,056,055	7,096,719	9,056,055	7,167,600
10.	Securities issued	24,684,223	36,841,620	44,903,295	63,611,761
11.	Fund borrowings	31,478,872	39,290,379	85,754,181	79,857,593
12.	Deposit guarantee	12,548	12,142	12,596	12,193
13.	Inter office liabilities	-	-	-	-
14.	Other liabilities	49,947,962	52,797,626	81,297,548	83,024,803
		TOTAL LIABILITIES	1,429,956,475	1,457,372,719	1,540,431,029	1,562,243,693

		STATEMENTS OF FINANCIAL POSITION
		PT BANK RAKYAT INDONESIA (PERSERO) Tbk
		As of September 30, 2023 and December 31, 2022
						(in million rupiah)
			INDIVIDUAL	CONSOLIDATED
No.		DESCRIPTION	September 30, 2023	December 31, 2022	September 30, 2023	December 31, 2022
				(Audited)		(Audited)
	EQUITY
15.	Share capital
	a.	Authorised capital	15,000,000	15,000,000	15,000,000	15,000,000
	b.	Unpaid‐in capital -/-	(7,422,050)	(7,422,050)	(7,422,050)	(7,422,050)
	c.	Treasury stock -/-	(3,283,265)	(2,202,178)	(3,283,265)	(2,202,178)
16. Additional Paid‐in Capital
	a.	Agio	76,245,954	76,029,910	75,853,127	75,637,083
	b.	Disagio -/-	-	-	-	-
	c.	Funds for paid up capital	-	-	-	-
	d.	Others	37,888	226,563	1,796,468	1,985,202
17.	Other comprehensive
	a	Gain	19,997,875	19,848,571	20,369,141	19,472,883
	b	Loss -/-	(5,927,763)	(5,145,961)	(5,982,795)	(4,346,863)
18.	Reserve
	a.	General reserve	3,022,685	3,022,685	3,022,685	3,022,685
	b.	Appropriated reserves	-	-	-	-
19.	Retained Earning
	a.	Previous years	159,372,471	146,436,494	163,255,306	146,976,937
	b.	Current year	39,002,857	47,827,920	43,992,607	51,170,312
	c.	Dividends paid out -/-	-	-	-	-
		TOTAL EQUITIES ATRIBUTABBLE TO OWNERS	296,046,652	293,621,954	306,601,224	299,294,011
20.	Minority interest	-	-	4,932,600	4,101,306
		TOTAL EQUITIES	296,046,652	293,621,954	311,533,824	303,395,317
	TOTAL LIABILITIES AND EQUITIES	1,726,003,127	1,750,994,673	1,851,964,853	1,865,639,010

STATEMENTS OF INCOME AND OTHER COMPREHENSIVE

PT BANK RAKYAT INDONESIA (PERSERO) Tbk

For the Period Ended September 30, 2023 and 2022

					(in million rupiah)
		INDIVIDUAL	CONSOLIDATED
No.	DESCRIPTION	September 30, 2023	September 30, 2022	September 30, 2023	September 30, 2022
			(Reviewed)		(Reviewed)
OPERATING INCOME AND EXPENSES
A. Interest Income and Interest Expenses, and Premium Income and Claim Expenses
1.	Interest income	108,711,557	94,783,570	131,893,100	115,251,527
2.	Interest expenses	26,920,806	15,383,992	30,696,401	18,744,235
	Net Interest Income (Expenses)	81,790,751	79,399,578	101,196,699	96,507,292
3.	Premium Income	-	-	6,734,168	6,443,929
4.	Expense Claims	-	-	4,915,460	5,613,523
	Net Premium Income (Claim Expenses)	-	-	1,818,708	830,406
	Net Interest and Net Premium Income (Claim Expenses)	81,790,751	79,399,578	103,015,407	97,337,698
B. Other Operating Income and Expenses
1.	Gain (Loss) from increase (decrease) in fair value of financial assets	(1,322,353)	1,433,343	(1,111,494)	1,484,479
2.	Gain (Loss) from decrease (increase) in fair value of financial liabilities	-	-	-	-
3.	Gain (Loss) from sale of financial assets	1,274,063	1,154,126	1,418,734	1,249,944
4.	Gain (Loss) from spot and derivative transaction/foward (realised)	1,676,064	(345,821)	1,675,515	(341,850)
5.	Gain (Loss) from investment in shares under equity method	572,693	575,795	673,602	662,531
6.	Gain (Loss) from foreign currencies translation	-	-	5,191	8,240
7.	Dividend income	95,133	1,521,125	3,368	5,362
8.	Comissions/provisions/fees and administrative	15,136,210	13,643,683	15,559,991	13,869,646
9.	Other income	12,466,262	8,744,366	19,101,076	15,722,155
10.	Impairment for financial assets	21,446,344	21,401,113	23,236,979	24,626,916
11.	Losses related to operational risk	26,965	248,891	46,809	210,676
12.	Salaries and employee benefits	21,180,423	20,948,742	29,494,635	27,749,996
13.	Promotion expenses	1,478,797	1,437,332	1,594,754	1,568,294
14.	Other expenses	18,263,541	16,497,977	29,759,093	26,968,260
	Other Operating Income (Expenses)	(32,497,998)	(33,807,438)	(46,806,287)	(48,463,635)
	PROFIT (LOSS) FROM OPERATIONS	49,292,753	45,592,140	56,209,120	48,874,063
NON OPERATING INCOME AND EXPENSES
1.	Gain (Loss) from sale of premises and equipment	64,854	163,413	66,239	166,686
2.	Other non operating income (expenses)	(517,574)	175,411	(556,828)	197,736
	PROFIT FROM NON OPERATING	(452,720)	338,824	(490,589)	364,422
	PROFIT CURRENT PERIOD BEFORE TAX	48,840,033	45,930,964	55,718,531	49,238,485
	Income tax expenses
	a. Estimated current tax -/-	7,998,665	9,339,649	9,881,912	10,988,502
	b. Deffered tax income (expenses)	(1,838,511)	593,296	(1,623,050)	1,061,462
	PROFIT (LOSS) CURRENT PERIOD	39,002,857	37,184,611	44,213,569	39,311,445
	PROFIT (LOSS) MINORITY INTEREST	-	-	-	-

OTHER COMPREHENSIVE INCOME

1. Unreclassified to profit (loss)

a.	Premises and equipment revaluation increment	-	3,054,903	(82,876)	3,373,815
b.	Remeasurement from actuarial benefit program	(1,763,266)	555,495	(2,044,358)	859,082
c.	Others	335,021	(105,544)	397,742	(172,301)

2. Reclassified to profit (loss)

a.	Gain (loss) from adjustments arising resulting from translation of financial	(91,657)	41,369	(92,456)	41,258
	statement
b.	Gain (Loss) from changes of financial assets on available for sale	1,092,742	(9,263,929)	1,219,908	(9,644,316)
c.	Others	(205,338)	1,733,110	(201,631)	1,774,837
OTHER COMPREHENSIVE INCOME CURRENT PERIOD
AFTER INCOME TAX - NET	(632,498)	(3,984,596)	(803,671)	(3,767,625)
	TOTAL OTHER COMPREHENSIVE INCOME CURRENT PERIOD	38,370,359	33,200,015	43,409,898	35,543,820
Profit (loss) current period atributtable to :
	- Parent company	39,002,857	37,184,611	43,992,607	39,156,233
	- Non controlling interest			220,962	155,212
	TOTAL PROFIT (LOSS) CURRENT PERIOD	39,002,857	37,184,611	44,213,569	39,311,445
Total comprehensive profit (loss) current period atributtable to:
	- Parent company	38,370,359	33,200,015	43,252,933	35,459,978
	- Non controlling interest			156,965	83,842
	TOTAL COMPREHENSIVE PROFIT (LOSS) CURRENT PERIOD	38,370,359	33,200,015	43,409,898	35,543,820
TRANSFER PROFIT (LOSS) TO HEAD OFFICE	-	-	-	-
DIVIDEND	-	-	-	-
EARNING PER SHARE (In Rupiah)	258	246	292	259

STATEMENTS OF COMMITMENTS AND CONTIGENCIES

PT BANK RAKYAT INDONESIA (PERSERO) Tbk

As of September 30, 2023 and December 31, 2022

					(in million rupiah)
		INDIVIDUAL	CONSOLIDATED
No.	DESCRIPTION	September 30, 2023	December 31, 2022	September 30, 2023	December 31, 2022
			(Audited)		(Audited)
1.	Unused fund borrowings/financing facilities	-	-	-	-
2.	Outstanding purchase position on spot and derivative	38,996,687	15,046,421	38,996,687	15,046,421
3.	Others	-	-	-	-

II COMMITMENT PAYABLES

1. Unused loan facilities granted to customer

	a.	Committed	-	-	130,464	491,741
	b.	Uncommitted	119,262,709	85,798,322	119,262,709	85,798,322
2.	Outstanding irrevocable letters of credit	14,094,002	13,656,363	14,094,002	13,658,668
3.	Outstanding sales position on spot and derivative	92,720,449	69,751,674	92,720,449	69,751,674
4.	Others	-	-	-	-
1.	Guarantees received	-	-	-	-
2.	Lainnya	-	-	-	-
IV. CONTINGENT PAYABLES
1.	Guarantees issued	71,314,963	74,853,508	71,315,247	74,854,998
2.	Others	-	-	-	-

STATEMENTS OF SPOT AND DERIVATIVE TRANSACTIONS

PT BANK RAKYAT INDONESIA (PERSERO) Tbk

As of September 30, 2023

					(in million rupiah)
			INDIVIDUAL
NO.	TRANSACTION	Notional Amount	Type	Derivative Receivables & Payables
		Trading	Hedging	Receivables	Payables

1. Exchange Rate Related

1	Spot	4,769,508	4,769,508	-	7,848	7,686
2	Forward	47,788,662	47,788,662	-	44,087	903,215

• Option

	a.	Written	1,598,060	1,598,060	-	-	-
	b.	Purchased	-	-	-	-	-
4	Future	-	-	-	-	-
5	Swap	73,373,570	73,373,570	-	462,338	702,906
6	Others	-	-	-	-	-

1. Interest Rate Related

1	Spot	-	-	-	-	-
2	Forward	-	-	-	-	-

• Option

	a.	Written	-	-	-	-	-
	b.	Purchased	-	-	-	-	-
4	Future	-	-	-	-	-
5	Swap	11,197,559	11,197,559	-	509,065	523,875
6	Others	-	-	-	-	-
C.	Others	2,089,907	2,089,907	-	-	72,143
	TOTAL	140,817,266	140,817,266	-	1,023,338	2,209,825

STATEMENTS OF ASSETS' QUALITY AND OTHER INFORMATION

PT BANK RAKYAT INDONESIA (PERSERO) Tbk

As of September 30, 2023 and 2022

(in million rupiah)

INDIVIDUAL

No.

DESCRIPTION

September 30, 2023

September 30, 2022 (Reviewed)

Special

Sub

Special

Sub

Current

Doubtful

Loss

Total

Current

Doubtful

Loss

Total

Mention

Standard

Mention

Standard

1. RELATED PARTIES

1. Placements with other banks

a.	Rupiah	300,000	-	-	-	-	300,000	-	-	-	-	-	-
b.	Foreign currencies	-	-	-	-	-	-	-	-	-	-	-	-

2. Spot and derivative receivables/forward

a.

Rupiah

-

-

-

-

-

-

-

-

-

-

-

-

b.

Foreign currencies

-

-

-

-

-

-

-

-

-

-

-

-

3. Securities

a.

Rupiah

-

-

-

-

-

-

-

-

-

-

-

-

b.

Foreign currencies

-

-

-

-

-

-

-

-

-

-

-

-

4. Securities sold with agreement to repurchase (Repo)

a.

Rupiah

-

-

-

-

-

-

-

-

-

-

-

-

b.

Foreign currencies

-

-

-

-

-

-

-

-

-

-

-

-

5. Securities purchased with agreement to resell (Reverse Repo)

a.

Rupiah

-

-

-

-

-

-

-

-

-

-

-

-

b.

Foreign currencies

-

-

-

-

-

-

-

-

-

-

-

-

6. Acceptances receivables

-

-

-

-

-

-

-

-

-

-

-

-

7. Loans *)

a. Micro, Small and Medium loans (UMKM)

i.

Rupiah

-

-

-

-

-

-

-

-

-

-

-

-

ii.

Foreign currencies

-

-

-

-

-

-

-

-

-

-

-

-

1. Non UMKM

i.	Rupiah	190,717	-	-	-	-	190,717	198,457	-	-	-	-	198,457
ii.	Foreign currencies	-	-	-	-	-	-	-	-	-	-	-	-

1. Restructured loans

	i.	Rupiah	-	-	-	-	-	-	-	-	-	-	-	-
	ii.	Foreign currencies	-	-	-	-	-	-	-	-	-	-	-	-
8.	Investments in shares	-	-	-	-	-	-	-	-	-	-	-	-
9.	Other receivable	-	-	-	-	-	-	-	-	-	-	-	-

10. Commitments and contingencies

a.

Rupiah

-

-

-

-

-

-

-

-

-

-

-

-

b.

Foreign currencies

-

-

-

-

-

-

-

-

-

-

-

-

STATEMENTS OF ASSETS' QUALITY AND OTHER INFORMATION

PT BANK RAKYAT INDONESIA (PERSERO) Tbk

As of September 30, 2023 and 2022

														(in million rupiah)
								INDIVIDUAL
No.		DESCRIPTION			September 30, 2023				September 30, 2022 (Reviewed)
		Special	Sub					Special	Sub
			Current	Doubtful	Loss	Total	Current	Doubtful	Loss	Total
			Mention	Standard	Mention	Standard
II	THIRD PARTIES
1.	Placements with other banks
	a.	Rupiah	1,544,405	-	-	-	-	1,544,405	132,353	-	-	-	-	132,353
	b.	Foreign currencies	27,012,637	-	-	-	-	27,012,637	28,520,936	-	-	-	-	28,520,936

2. Spot and derivative receivables/forward

a.	Rupiah	925,883	-	-	-	-	925,883	760,793	-	-	-	-	760,793
b.	Foreign currencies	97,455	-	-	-	-	97,455	132,119	-	-	-	-	132,119

3. Securities

a.	Rupiah	188,916,503	-	-	-	-	188,916,503	196,191,074	411,958	-	-	-	196,603,032
b.	Foreign currencies	135,693,672	-	-	-	-	135,693,672	120,514,422	179,554	-	-	-	120,693,976
4. Securities sold with agreement to repurchase (Repo)
a.	Rupiah	7,550,058	-	-	-	-	7,550,058	13,401,911	-	-	-	-	13,401,911
b.	Foreign currencies	8,373,053	-	-	-	-	8,373,053	12,676,019	-	-	-	-	12,676,019

5. Securities purchased with agreement to resell (Reverse Repo)

a.	Rupiah	26,429,903	-	-	-	-	26,429,903	13,169,162	-	-	-	-	13,169,162
b.	Foreign currencies	-	-	-	-	-	-	-	-	-	-	-	-
6. Acceptances receivables	9,056,055	-	-	-	-	9,056,055	8,396,607	96,992	-	-	-	8,493,599

7. Loans *)

a. Micro, Small and Medium loans (UMKM)

i.	Rupiah	584,242,890	44,255,933	4,006,238	6,907,408	10,754,232	650,166,701	531,572,420	31,611,741	2,582,488	4,806,390	11,892,219	582,465,258
ii.	Foreign currencies	569,467	-	-	-	4,000	573,467	823,357	63,994	3,533	-	17,937	908,821

1. Non UMKM

i.	Rupiah	343,033,062	15,855,602	1,207,130	2,151,773	6,889,699	369,137,266	311,038,198	12,159,046	390,955	2,213,524	7,361,127	333,162,850
ii.	Foreign currencies	108,493,829	2,703,408	99,152	317,525	4,319,147	115,933,061	80,584,946	7,464,964	133,237	324,613	1,875,162	90,382,922

1. Restructured loans

		i.	Rupiah	52,829,348	32,569,770	3,347,654	5,847,478	8,641,432	103,235,682	105,733,679	25,172,124	1,834,672	5,099,927	10,767,195	148,607,597
		ii.	Foreign currencies	5,209,069	2,699,443	-	240,719	4,311,787	12,461,018	5,514,146	7,179,594	3,533	322,428	1,738,410	14,758,111
8.	Investments in shares	48,943,362	-	-	-	-	48,943,362	46,700,888	-	-	-	-	46,700,888
9.	Other receivable	-	-	-	-	-	-	-	-	-	-	-	-
10.	Commitments and contingencies
	a.	Rupiah	105,668,525	484,058	139,313	25,089	605,167	106,922,152	80,770,019	504,878	19,882	1,455	8,081	81,304,315
	b.	Foreign currencies	97,503,000	226,935	893	819	17,875	97,749,522	73,487,646	3,151	-	-	-	73,490,797

III	OTHER INFORMATIONS
1.	Value of bank's assets pledge as collateral:
	a.	To Bank Indonesia	-	-
	b.	To others	-	-
2.	Repossessed assets	59,366	66,286
*)	Point a and b is included restructured loans.
	Point c is restructured loans for UMKM and non-UMKM borrowers

PT BANK RAKYAT INDONESIA (PERSERO) Tbk

As of September 30, 2023 and 2022

						(in million rupiah)
				September 30, 2023	September 30, 2022
			COMPONENTS OF CAPITAL	Individual	Consolidated	Individual	Consolidated
						(Reviewed)	(Reviewed)
I CORE CAPITAL (TIER 1)		235,188,160	280,082,364	233,846,698	270,797,785
1 CET 1				235,188,160	280,082,364	233,846,698	270,797,785
1.1 Paid-in Capital (net of Treasury Stock)	4,294,685	4,294,685	6,325,388	6,325,388
1.2 Disclosed Reserves		291,656,239	299,180,614	285,398,714	286,425,130
1.2.1 Additional Factor		297,492,538	303,672,558	291,488,351	292,488,781
	1.2.1.1	Other comprehensive income	19,848,571	20,118,055	19,918,986	20,195,338
		1.2.1.1.1 Excess differences arising from translation of financial statement	-	-	-	-
		1.2.1.1.2 Potential gain of the increase in the fair value of financial assets available for sale	-	-	-	-
		1.2.1.1.3 Surplus of fixed assets revaluation	19,848,571	20,118,055	19,918,986	20,195,338
	1.2.1.2	Other disclosed reserves	277,643,967	283,554,503	271,569,365	272,293,443
		1.2.1.2.1	Agio	76,245,954	75,853,127	76,322,752	76,241,557
		1.2.1.2.2	General reserves	3,022,685	3,022,685	3,022,685	3,022,685
		1.2.1.2.3	Previous year profit	159,372,471	161,385,398	155,039,317	154,034,725
		1.2.1.2.4	Current year profit	39,002,857	43,293,293	37,184,611	38,994,476
		1.2.1.2.5	Funds for paid-in capital	-	-	-	-
		1.2.1.2.6	Others	-	-	-	-
1.2.2 Deduction Factor		5,836,299	4,491,944	6,089,637	6,063,651
	1.2.2.1	Other comprehensive income	3,658,907	3,736,623	5,203,571	5,254,603
		1.2.2.1.1 Negative differences arising from translation of financial statement	220,268	220,409	75,153	74,717
		1.2.2.1.2 Potential losses from the decrease in the fair value of financial assets available for sale	3,438,639	3,516,214	5,128,418	5,179,886
	1.2.2.2	Other disclosed reserves	2,177,392	755,321	886,066	809,048
		1.2.2.2.1	Disagio	-	-	-	-
		1.2.2.2.2	Previous year loss	-	-	-	-
		1.2.2.2.3	Current year loss	-	-	-	-
		1.2.2.2.4 Negative difference in allowance for possible losses and allowance for impairment on earning assets	-	-	-	-
		1.2.2.2.5 Negative difference in adjusment amounts from fair value of financial assets in trading book	-	-	-	-
		1.2.2.2.6 Required allowance for non earning assets	57,840	59,047	52,470	53,677
		1.2.2.2.7	Others	2,119,552	696,274	833,596	755,371
1.3 Non Controlling Interest	-	452,328	-	462,236
1.4 Deduction Factor of CET 1	60,762,764	23,845,263	57,877,404	22,414,969
1.4.1	Deffered tax calculation	13,706,491	16,765,807	15,745,256	18,550,568
1.4.2	Goodwill		-	806,416	-	806,416
1.4.3	Other intangible assets	3,361,691	3,605,397	-	-
1.4.4	Investments in share	43,694,582	2,667,643	42,132,148	3,057,985
1.4.5 Shortfall of capital on insurance subsidiaries	-	-	-	-
1.4.6	Securitisation exposure	-	-	-	-
1.4.7 Other deduction of CET 1	-	-	-	-
2 Additional Tier 1 (AT 1)		-	-	-	-
2.1 Instrument which comply with AT 1 requirements	-	-	-	-
2.2 Agio/Disagio			-	-	-	-
2.3 Deduction Factor of AT 1		-	-	-	-
2.3.1 Placements of fund in instrument AT 1 and/or Tier 2 to other bank	-	-	-	-
2.3.2 Cross ownership in anoyher entity acquired by the transition due to law, grants or grants will	-	-	-	-

PT BANK RAKYAT INDONESIA (PERSERO) Tbk

As of September 30, 2023 and 2022

								(in million rupiah)
						September 30, 2023	September 30, 2022
		COMPONENTS OF CAPITAL		Individual	Consolidated	Individual	Consolidated
								(Reviewed)	(Reviewed)
II SUPPLEMENTAL CAPITAL (TIER 2)						11,407,918	12,195,832	10,141,692	10,779,606
1 Capital instrument in the form of stock or other which comply with Tier 2 requirements			483,333	483,333	75,000	75,000
2 Agio/Disagio						-	-	-	-
3 General provison on earning assets (max. 1.25% credit risk - weighted assets)			10,924,585	11,712,499	10,066,692	10,737,849
4 Deduction supplemental capital						-	-	-	33,243
4.1 Sinking Fund						-	-	-	-
4.2 Placement of funds in instrumen AT 1 and/or Tier 2 to other bank				-	-	-	33,243
4.3 Cross-ownership in another entity acquired by the transition due to law, grants, or grants will			-	-	-	-
TOTAL CAPITAL						246,596,078	292,278,196	243,988,390	281,577,391
	September 30, 2023	September 30, 2022		September 30, 2023	September 30, 2022
			(Reviewed)	(Reviewed)				(Reviewed)	(Reviewed)
RISK WEIGHTED ASSETS					KPMM RATIO
CREDIT RISK - WEIGHTED ASSETS	872,127,271	935,160,356	804,313,920	858,006,457	CET 1 Rasio (%)	24.06%	26.33%	23.00%	25.14%
MARKET RISK - WEIGHTED ASSETS	6,360,525	8,184,057	2,335,744	4,180,508	Tier 1 Rasio (%)	24.06%	26.33%	23.00%	25.14%
OPERATIONAL RISK - WEIGHTED ASSE	99,021,545	120,236,798	209,879,369	214,875,481	Tier 2 Rasio (%)	1.17%	1.15%	1.00%	1.00%
TOTAL RISK WEIGHTED ASSETS	977,509,341	1,063,581,211	1,016,529,033	1,077,062,446	KPMM Rasio (%)	25.23%	27.48%	24.00%	26.14%
CAR BASED ON RISK PROFILE (%)	9.44%	9.48%	9.51%	9.52% CET 1 for BUFFER (%)	15.79%	18.00%	14.49%	16.62%
CAPITAL ALLOCATION FOR CAR BASED					PERCENTAGE OF BUFFER MANDATORY FILLED BY
ON RISK PROFILE					BANK(%)	5.000%	5.000%	5.000%	5.000%
From CET 1 (%)	8.27%	8.33%	8.51%	8.52%	Capital conservation buffer (%)	2.500%	2.500%	2.500%	2.500%
From AT 1 (%)	0.00%	0.00%	0.00%	0.00%	Countercyclical Buffer (%)	0.000%	0.000%	0.000%	0.000%
From Tier 2 (%)	1.17%	1.15%	1.00%	1.00%	Capital Surcharge for Systemic Bank (%)	2.500%	2.500%	2.500%	2.500%

CALCULATION OF FINANCIAL RATIOS

PT BANK RAKYAT INDONESIA (PERSERO) Tbk

As of September 30, 2023 and 2022

			(in %)
	Ratio	September 30, 2023	September 30, 2022
		(Reviewed)
Performance Ratios
1. Capital Adequacy Ratio (CAR)		25.23	24.00

2. Non performing earning assets and non performing non earning assets to total earning assets and

	non earning assets	2.09	1.98
3.	Non performing earning assets to total earning assets	2.09	1.97
4.	Allowance for impairment on financial assets to earning assets	5.61	6.51
5.	Gross NPL	3.23	3.14
6.	Net NPL	0.73	0.87
7.	Return on Asset (ROA) 1)	3.87	3.97
8.	Return on Asset (ROA) 2)	3.09	3.21
9.	Return on Equity (ROE) 3)	22.74	22.00
10.	Return on Equity (ROE) 4)	18.06	17.58
11.	Net Interest Margin (NIM)	6.97	7.23
12.	Operating Expenses to Operating Income	64.77	62.59
13.	Cost to Income Ratio (CIR)	37.63	38.99
14.	Loan to Deposit Ratio (LDR)	88.34	88.92

Compliance

1. a. Percentage violation of Legal Lending Limit

	i. Related parties	0.00	0.00
	ii. Third parties	0.00	0.00
	b. Percentage of excess of the Legal Lending Limit
	i. Related parties	0.00	0.00
	ii. Third parties	0.00	0.00
2.	Reserve requirement
	a. Primary reserve requirement Rupiah
	- Daily	0.00	0.00
	- Average	6.77	7.55
	b. Reserve requirement Foreign currencies (daily)	2.00	2.00
3.	Net Open Position - Overall	1.62	0.34

1. Calculation using profit before tax divided by average total assets.
2. Calculation using profit after tax divided by average total assets.
3. Calculation using profit after tax divided by average total Tier 1 equity.
4. Calculation using profit after tax divided by average total equity.