• Financial Highlights

(in millions Rupiah)

Consolidated Financial Position Statements 2013 2014* 2015* 2016* 2017
INFORMATION ON FINANCIAL POSITIONS
CONSOLIDATED BALANCE SHEET
Total Assets 218,866,409 233,162,423 238,849,252 241,571,728 266,305,445
Earning Assets-Net 260,417,854 270,979,099 277,429,171 286,026,620 308,398,914
Loans 156,984,105 176,383,449 177,356,829 180,081,612 185,115,806
Loans-Net 152,909,465 170,274,444 169,958,838 171,983,359 177,807,766
Non-Performing Loans 3,497,420 6,881,335 6,633,404 6,894,089 6,827,249
Impaired Loans 5,045,280 8,440,069 8,914,616 9,421,492 9,433,852
Financing Lease 332,691 273,381 179,927 82,427 19,607
Financing Lease-Net 311,057 251,063 157,683 51,981 10,936
Impaired Financing Lease 17,673 11,528 2,056 21,904 4,744
Marketable Securities & Government Bonds-Net 20,036,576 22,310,408 26,046,068 28,071,315 38,413,540
Investments-Net 12,108 13,048 13,048 3,574 3,659
Total Liabilities 192,979,722 204,714,729 210,169,865 207,364,106 229,354,449
Customer Deposits 163,737,362 174,723,234 178,533,077 180,571,134 189,317,196
Borrowing 8,591,371 8,814,852 6,684,630 5,436,073 5,809,723
Marketable Securities Issued 5,976,470 5,803,195 4,476,921 3,237,704 5,403,613
Subordinated Loans 2,962,569 2,970,355 2,969,774 2,979,566 1,596,772
Non Controlling Interest 94,659 734 788 818 881
Equity-Net 25,792,028 28,446,960 28,678,599 34,206,804 36,950,115
INFORMATION ON RESULTS OF OPERATIONS
CONSOLIDATED INCOME STATEMENTS
Net Interest Income 10,120,691 10,689,495 11,386,360 12,094,030 12,403,379
Other Operating Income 3,443,763 2,565,481 2,348,842 2,789,630 3,352,448
Total Operating Income 13,564,454 13,254,976 13,735,202 14,883,660 15,755,827
Allowance for Impairment of Financial and Non-Financial Assets (1,203,481) (3,466,274) (5,360,581) (4,972,951) (4,079,805)
Other Operating Expenses (6,495,003) (6,830,462) (7,111,958) (7,432,899) (7,569,451)
Operating Income 5,865,970 2,958,240 1,262,663 2,477,810 4,106,571
Non Operating Income/(Expenses)-Net (33,953) 3,378 (121,659) 97,114 48,449
Profit Before Tax 5,832,017 2,961,618 1,141,004 2,574,924 4,155,020
Tax Expenses (1,535,866) (856,329) (284,869) (700,045) (1,177,282)
Net Income 4,296,151 2,105,289 856,135 1,874,879 2,977,738
Other Comprehensive Income After Tax (1,062,195) 351,252 (196,192) 3,446,518 8,538
Total Other Comprehensive Income 3,233,956 2,456,541 659,943 5,321,397 2,986,276
Net Income Attributable to:
Equity holders of parent 4,282,417 2,103,880 856,081 1,874,849 2,977,675
Non-Controlling Interest 13,734 1,409 54 30 63
Total Comprehensive Income Attributable to:
Equity holders of parent 3,220,222 2,455,132 659,889 5,321,367 2,986,213
Non-Controlling Interest 13,734 1,409 54 30 63
3,233,956 2,456,541 659,943 5,321,397 2,986,276
Earning Per Share-Basic 170,40 83,74 34,07 74,60 118,50
Profit Before Tax (Actual) 5,832,017 3,200,169 570,004 2,850,708 4,155,020
Net Income (Actual) 4,296,151 2,343,840 427,885 2,081,717 2,977,738
*  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 2013 2014* 2015* 2016* 2017
FINANCIAL RATIO
I. Capital
Capital Adequacy Ratio (CAR)** 15.36% 15.58% 16.28% 17.96% 18.60%
CAR Tier I 12.91% 13.33% 14.20% 16.44% 17.31%
CAR Tier II 2.45% 2.25% 2.08% 1.52% 1.29%
Fixed Assets to Capital 16.20% 16.62% 20.26% 27.64% 19.98%
II. Assets Quality
Non Performing Earning Assets to Total Earning Assets 2.10% 3.53% 3.35% 3.41% 3.13%
Non Performing Loan Ratio 2.23% 3.90% 3.74% 3.89% 3.75%
Non Performing Loan Ratio-Net 1.55% 1.94% 1.59% 2.16% 2.16%
Impairment Ratio 3.21% 4.79% 5.03% 5.24% 5.10%
Loan Loss Coverage 116.50% 88.78% 111.53% 117.68% 107.16%
III. Profitability
Return On Assets (ROA) 2.76% 1.33% 0.47% 1.09% 1.70%
Return On Equity (ROE)
  Shareholders 17.74% 7.66% 2.99% 5.81% 8.34%
  Tier I 19.07% 8.10% 3.10% 6.79% 8.73%
Debt to Equity 7.48 7.20 7.33 6.06 6.21
Debt to Assets 0.88 0.88 0.88 0.86 0.86
Net Interest Margin (NIM) 5.34% 5.36% 5.21% 5.64% 5.60%
Other Operating Income to Total Operating Income 25.17% 20.81% 17.11% 18.92% 21.28%
Cost to Income Ratio 47.98% 51.52% 52.67% 49.40% 47.74%
Operating Expenses to Operating Income (BOPO) 73.79% 87.86% 97.38% 90.07% 83.48%
Return On Assets (ROA) (Actual) 2.76% 1.44% 0.24% 1.20% 1.70%
Return On Equity (ROE)
  Shareholders (Actual) 17.74% 8.52% 1.50% 6.46% 8.34%
  Tier I (Actual) 19.07% 9.02% 1.55% 6.79% 8.73%
Cost to Income Ratio (Actual) 47.98% 50.61% 56.83% 48.50% 47.74%
IV. Liquidity
Loan to Deposit Ratio (LDR) 94.49% 99.46% 97.98% 98.38% 96.24%
CASA Ratio 43.99% 44.87% 46.81% 50.84% 52.55%
V. Compliance
LLL Violation - - - - -
Statutory Reserve - Rupiah
  Primary 8.12% 8.13% 7.74% 6.76% 6.74%
  Secondary 9.27% 10.12% 8.94% 12.05% 10.12%
Statutory Reserve - Foreign Currency 8.17% 8.18% 8.18% 8.33% 8.05%
Net Open Position 2.32% 0.76% 1.19% 1.66% 0.80%
Net Open Position on Financial Positions -10.72% -12.03% 5.68% 2.19% 5.10%