• Financial Highlights

(Rp Million)

Consolidated Financial Position Statements 2018 2017 2016* 2015* 2014*
INFORMATION ON FINANCIAL POSITIONS
CONSOLIDATED BALANCE SHEET
Total Assets 266,781,498 266,305,445 241,571,728 238,849,252 233,162,423
Earning Assets-Net 319.622.974 308.398.914 286.026.620 277.429.171 270.979.099
Loans 188,462,431 185,115,806 180,081,612 177,356,829 176,383,449
Loans-Net 182,364,079 177,807,766 171,983,359 169,958,838 170,274,444
Non-Performing Loans 5,760,517 6,827,249 6,894,089 6,633,404 6,881,335
Impaired Loans 7.623.432 9,433,852 9,421,492 8,914,616 8,440,069
Financing Lease 5,106 19,607 82,427 179,927 273,381
Financing Lease-Net 1,180 10,936 51,981 157,683 251,063
Impaired Financing Lease 3,908 4,744 21,904 2,056 11,528
Marketable Securities & Government Bonds-Net 35,269,590 38,413,540 28,071,315 26,046,068 22,310,408
Investments-Net 3,659 3,659 3,574 13,048 13,048
Total Liabilities 227,200,919 229,354,449 207,364,106 210,169,865 204,714,729
Customer Deposits 190,750,218 189,317,196 180,571,134 178,533,077 174,723,234
Borrowing 2,195,916 5,809,723 5,436,073 6,684,630 8,814,852
Marketable Securities Issued 5,269,757 5,403,613 3,237,704 4,476,921 5,803,195
Subordinated Loans 1,742,417 1,596,772 2,979,566 2,969,774 2,970,355
Non Controlling Interest 1,005 881 818 788 734
Equity-Net 39,579,574 36,950,115 34,206,804 28,678,599 28,446,960
INFORMATION ON RESULTS OF OPERATIONS
CONSOLIDATED INCOME STATEMENTS
Net Interest Income 12,011,731 12,403,379 12,094,030 11,386,360 10,689,495
Other Operating Income 3.816.272 3,352,448 2,789,630 2,348,842 2,565,481
Total Operating Income 15,828,003 15,755,827 14,883,660 13,735,202 13,254,976
Allowance for Impairment of Financial and Non-Financial Assets (3,029,532) (4,079,805) (4,972,951) (5,360,581) (3,466,274)
Other Operating Expenses (8,004,128) (7,569,451) (7,432,899) (7,111,958) (6,830,462)
Operating Income 4,794,343 4,106,571 2,477,810 1,262,663 2,958,240
Non Operating Income/(Expenses)-Net 56,475 48,449 97,114 (121,659) 3,378
Profit Before Tax 4,850,818 4,155,020 2,574,924 1,141,004 2,961,618
Tax Expenses (1,368,390) (1,177,282) (700,045) (284,869) (856,329)
Net Income 3,482,428 2,977,738 1,874,879 856,135 2,105,289
Other Comprehensive Income After Tax (279,448) 8,538 3,446,518 (196,192) 351,252
Total Other Comprehensive Income 3,202,980 2,986,276 5,321,397 659,943 2,456,541
Net Income Attributable to:
Equity holders of parent 3,482,304 2,977,675 1,874,849 856,081 2,103,880
Non-Controlling Interest 124 63 30 54 1,409
Total Comprehensive Income Attributable to:
Equity holders of parent 3,202,856 2,986,213 5,321,367 659,889 2,455,132
Non-Controlling Interest 124 63 30 54 1,409
3,202,980 2,986,276 5,321,397 659,943 2,456,541
Earnings Per Share-Basic (Rp full amount) 139.67 118.50 74.60 34.07 83.74
Profit Before Tax (Actual) 4,850,818 4,155,020 2,850,708 570,004 3,200,169
Net Income (Actual) 3,482,428 2,977,738 2,081,717 427,885 2,343,840
*  Business As Usual (excluding)

    2014: Sales of fixed assets

    2015: Mutual Separation Scheme (MSS) expense

    2016: Income earned from strategic alliance
**  After credit and market risk calculation
Performance Ratio 2018 2017 2016* 2015* 2014*
FINANCIAL RATIO
I. Capital
Capital Adequacy Ratio (CAR)** 19.66% 18.60% 17.96% 16.28% 15.58%
CAR Tier I 18.40% 17.31% 16.44% 14.20% 13.33%
CAR Tier II 1.26% 1.29% 1.52% 2.08% 2.25%
Fixed Assets to Capital 20.10% 19.98% 27.64% 20.26% 16.62%
II. Assets Quality
Non Performing Earning Assets to Total Earning Assets 2.64% 3.13% 3.41% 3.35% 3.53%
Non Performing Loan Ratio 3.11% 3.75% 3.89% 3.74% 3.90%
Non Performing Loan Ratio-Net 1.55% 2.16% 2.16% 1.59% 1.94%
Impairment Ratio 4.05% 5.10% 5.24% 5.03% 4.79%
Loan Loss Coverage 105.86% 107.16% 117.68% 111.53% 88.78%
III. Profitability
Return On Assets (ROA) 1.85% 1.70% 1.09% 0.47% 1.33%
Return On Equity (ROE)
  Shareholders 9.09% 8.34% 5.81% 2.99% 7.66%
  Tier I 9.49% 8.73% 6.79% 3.10% 8.10%
Debt to Equity 5.74 6.21 6.06 7.33 7.20
Debt to Assets 0.85 0.86 0.86 0.88 0.88
Net Interest Margin (NIM) 5.12% 5.60% 5.64% 5.21% 5.36%
Other Operating Income to Total Operating Income 24.11% 21.28% 18.92% 17.11% 20.81%
Cost to Income Ratio 50.21% 47.74% 49.40% 52.67% 51.52%
Operating Expenses to Operating Income (BOPO) 80.97% 83.48% 90.07% 97.38% 87.86%
Return On Assets (ROA) (Actual) 1.85% 1.70% 1.20% 0.24% 1.44%
Return On Equity (ROE)
  Shareholders (Actual) 9.09% 8.34% 6.46% 1.50% 8.52%
  Tier I (Actual) 9.49% 8.73% 6.79% 1.55% 9.02%
Cost to Income Ratio (Actual) 50.21% 47.74% 48.50% 56.83% 50.61%
IV. Liquidity
Loan to Deposit Ratio (LDR) 97.18% 96.24% 98.38% 97.98% 99.46%
CASA Ratio 52.61% 52.55% 50.84% 46.81% 44.87%
V. Compliance
LLL Violation - - - - -
Statutory Reserve - Rupiah
  Minimum Statutory Reserve*) 6.70% 6.74% 6.76% 7.74% 8.13%
  Macroprudential Liquidity Buffer**) 6.09% 10.12% 12.05% 8.94% 10.12%
Statutory Reserve - Foreign Currency 8.14% 8.05% 8.33% 8.18% 8.18%
Net Open Position 1.20% 0.80% 1.66% 1.19% 0.76%
Net Open Position on Financial Positions 3.08% 5.10% 2.19% 5.68% -12.03%
*)Previously Primary Minimum Statutory Reserve

**)Previously Secondary Minimum Statutory Reserve