JAKARTA -- Bank Rakyat Indonesia, the country's largest lender by assets, was flying high prior to the coronavirus pandemic: Of the five largest banks by assets, BRI was the only one that had recorded 20 consecutive years of growth in annual net profit. But as COVID-19 hit the sprawling archipelago and forced the government to restrict economic activity, BRI's streak came to an end. The state-owned bank was one of the worst affected, with its core customer base being the micro, small and medium enterprises that bore the brunt of the slowdown.