BBCA recorded a net profit of IDR 31.4 Tn in FY21 (+15.8 YoY), despite moderate growth from both Interest and Non-Interest Income. This was supported by Provision costs, which was able to go down by 19.6% YoY. On other notes, Gross NPL slightly worsen on an annual basis, while Net Interest Margin (NIM) continued to decline. With the potential Interest rate hike this year, BBCA has set moderate loan growth target of 6%-8%.
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