Financial Highlights

(Rp Million)

Consolidated Financial Position Statements 2020 2019 2018 2017 2016
FINANCIAL POSITIONS
Total Assets 280,943,605 274,467,227 266,781,498 266,305,445 241,571,728
Earning Assets-Net 336,406,803 338,955,548 319,622,974 308,398,914 286,026,620
Loans 174,754,593 194,237,351 188,462,431 185,115,806 180,081,612
Loans-Net 162,829,633 188,177,510 182,364,079 177,807,766 171,983,359
Non-Performing Loans 6,213,417 5,324,556 5,760,517 6,827,249 6,894,089
Impaired Loans 10,536,742 7,391,927 7.623.432 9,433,852 9,421,492
Financing Lease - 180 5,106 19,607 82,427
Financing Lease-Net - - 1,180 10,936 51,981
Impaired Financing Lease - 180 3,908 4,744 21,904
Marketable Securities & Government Bonds-Net 67,444,508 34,645,825 35,269,590 38,413,540 28,071,315
Investments-Net 3,659 3,659 3,659 3,659 3,574
Total investments in Associated Entities - - - - -
Total investments in Joint Ventures - - - - -
Total Liabilities 239,890,554 231,173,061 227,200,919 229,354,449 207,364,106
Customer Deposits 207,529,424 195,600,300 190,750,218 189,317,196 180,571,134
Borrowing 933,433 2,647,013 2,195,916 5,809,723 5,436,073
Marketable Securities Issued 6,565,604 7,503,112 5,269,757 5,403,613 3,237,704
Subordinated Loans 224,184 1,821,175 1,742,417 1,596,772 2,979,566
Non Controlling Interest 14,112 15,275 1,005 881 818
Equity-Net 41,038,939 43,278,891 39,579,574 36,950,115 34,206,804
INCOME AND OTHER COMPREHENSIVE INCOME
Net Interest Income 12,470,518 12,568,018 12,011,731 12,403,379 12,094,030
Other Operating Income 3,888,007 4,256,712 3.816.272 3,352,448 2,789,630
Total Operating Income 16,358,525 16,824,730 15,828,003 15,755,827 14,883,660
Allowance for Impairment of Financial and Non-Financial Assets (5,403,886) (3,256,619) (3,029,532) (4,079,805) (4,972,951)
Other Operating Expenses (8,100,784) (8,275,364) (8,004,128) (7,569,451) (7,432,899)
Operating Income 2,853,855 5,292,747 4,794,343 4,106,571 2,477,810
Non Operating Income/(Expenses)-Net 93,565 20,150 56,475 48,449 97,114
Profit Before Tax 2,947,420 5,312,897 4,850,818 4,155,020 2,574,924
Tax Expenses (936,166) (1,400,712) (1,368,390) (1,177,282) (700,045)
Net Income 2,011,254 3,912,185 3,482,428 2,977,738 1,874,879
Other Comprehensive Income After Tax 1,278,553 744,539 (279,448) 8,538 3,446,518
Total Other Comprehensive Income 3,289,807 4,656,724 3,202,980 2,986,276 5,321,397
Net Income Attributable to:
Equity holders of parent 2,012,401 3,914,404 3,482,304 2,977,675 1,874,849
Non-Controlling Interest (1,147) (2,219) 124 63 30
Total Comprehensive Income Attributable to:
Equity holders of parent 3,290,954 4,658,943 3,202,856 2,986,213 5,321,367
Non-Controlling Interest (1,147) (2,219) 124 63 30
Total 3,289,807 4,656,724 3,202,980 2,986,276 5,321,397
Earnings Per Share-Basic (Rp full amount) 80.72 156.92 139.67 118.50 74.60
Profit Before Tax (Actual) 2,947,420 4,953,897 4,850,818 4,155,020 2,850,708
Net Income (Actual) 2,011,254 3,642,935 3,482,428 2,977,738 2,081,717
CASH FLOW STATEMENTS
Cash Flow from/(to) operating activities 28,624,928 2,070,946 (749,516) 20,129,300 3,291,332
Cash Flow from/(to) investment activities (26,763,211) 1,694,831 (1,608,846) (8,946,122) (4,071,426)
Cash Flow from/(to) financing activities (6,583,642) 1,398,986 (5,146,047) (87,819) (3,733,655)
Exchange rate differences in cash and cash equivalents 302,450 (435,089) 566,687 154,962 (200,952)
Total (decrease)/increase cash and cash equivalents - net (4,419,475) 4,729,674 (6,937,722) 11,250,321 (4,714,701)
Cash and cash equivalents, beginning of period 32,458,388 27,728,714 34,666,436 23,416,115 28,130,816
Cash and cash equivalents, end of period 28,038,913 32,458,388 27,728,714 34,666,436 23,416,115
FINANCIAL RATIO
I. Capital
Capital Adequacy Ratio (CAR)** 21.92% 21.47% 19.66% 18.60% 17.96%
CAR Tier I 20.80% 20.20% 18.40% 17.31% 16.44%
CAR Tier II 1.12% 1.27% 1.26% 1.29% 1.52%
Fixed Assets to Capital 22.97% 18.73% 20.10% 19.98% 27.64%
II. Assets Quality
Non Performing Earning Assets to Total Earning Assets 2.82% 2.42% 2.64% 3.13% 3.41%
Non-Performing Loan Ratio 3.62% 2.79% 3.11% 3.75% 3.89%
Non-Performing Loan Ratio - Net 1.40% 1.30% 1.55% 2.16% 2.16%
Impairment Ratio 6.03% 3.81% 4.05% 5.10% 5.24%
Loan Loss Coverage 194.33% 113.60% 105.86% 107.16% 117.68%

  • Business As Usual (excluding)
    • 2016: Income earned from strategic alliance
    • 2019: Voluntary Retirement Program (VRP)
  • ** After Loan and Market Risk Calculations