Bank Rakyat Indonesia CFO on Rights Issue

The video discusses the strategic use of capital for micro lending, focusing on the Ultra Micro ecosystem to achieve a 16% growth while maintaining a 19% capital adequacy ratio. It highlights risk management through data analytics and experienced loan officers. The discussion covers financial health, market expansion, and the impact of acquisitions on dividend policy. The outlook for financial performance includes maintaining a 6-7% loan growth and a 6.7% net interest margin, with future projections aiming for an 18-19% return on equity.

What is the primary use of the capital raised from the rights issue?

• To pay off existing debts

• To develop the Ultra Micro ecosystem

• To increase employee salaries

• To invest in real estate

What is a key strategy for mitigating risks when lending to smaller businesses?

• Focusing only on prime clients

• Reducing loan amounts

• Using data analytics for underwriting

• Increasing interest rates

Why is the company focusing on the micro segment now?

• Because of the right momentum post-pandemic

• To reduce operational costs

• Due to a decline in large business clients

• To diversify into new markets

How does the company plan to handle dividend payouts after the acquisitions?

• By maintaining the current payout ratio

• By reducing the payout ratio

• By eliminating dividends altogether

• By increasing the payout ratio if growth targets are not met

What is the expected loan growth for the next year?

• 3% to 4%

• 6% to 7%

• 9% to 10%

• 12% to 13%

What is the anticipated return on equity within five years?

• 10% to 11%

• 18% to 19%

• 12% to 13%

• 15% to 16%

What is the main driver for the net interest margin this year?

• Increasing loan amounts

• Lowering the cost of funds

• Expanding into new markets

• Raising interest rates