BRI's financial performance highlights

2003 2002

January-June January-June

Income from interest Rp 7.40 trillion Rp 6.54 trillion Interest expenses Rp 3.76 trillion Rp 3.68 trillion Net profit Rp 1.17 trillion Rp 1.16 trillion Capital adequacy ratio (CAR) 12.36% 13.16% Gross non-performing loans (NPL) 6.59% 4.58% Return on assets (ROA) 3.51% 2.65% Return on equity (ROE) 45.57% 61.33% Loan to deposit ratio (LDR) 58.16% 59.05%