Bank Rakyat Indonesia

-4.25%

1. Regulatory Risk: Bank Rakyat Indonesia is subject to various regulations by the Indonesian government and financial regulators, which can impact its operations. Additionally, changes in laws and regulations or the interpretation of them may result in unanticipated costs, increased compliance, and/or operational difficulties.

2. Competition Risk: The banking sector in Indonesia is highly competitive, with increasing competition for deposit mobilization and loan origination. If Bank Rakyat Indonesia is unable to effectively compete, it may face decreased market share and a negative impact on its financial results.

3. Liquidity Risk: Bank Rakyat Indonesia is exposed to liquidity risk when it is unable to fund its short term obligations or manage its commitments under certain conditions.

4. Credit Risk: Bank Rakyat Indonesia is exposed to credit risk, from both loans and investment activities. Decreases in the value of its loan portfolio or investments could impact its financial results.

5. Interest Rate Risk: Bank Rakyat Indonesia is exposed to the risk of changing interest rates. If the market rate moves against Bank Rakyat Indonesia, its financial results could suffer.

6. Operational Risk: Bank Rakyat Indonesia is subject to operational risks, such as the risk of systems failure, human errors, fraud and malicious activities. Any breach of security, losses or damage can result in legal claims or financial losses.

7. Cyber Security Risk: As Bank Rakyat Indonesia increasingly transitions to digital services, the risk of cyber-attacks, data breaches and other malicious activities increases. Such occurrences could lead to financial losses and reputational damage.

8. Economic Risk: The Indonesian economy is exposed to variability in the international markets. Negative impacts from a domestic or global economic slowdown could threaten Bank Rakyat Indonesia’s ability to meet its financial obligations.