(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% |