PT. Bank Rakyat Indonesia's 2017 Financial Highlights as Extracted from 2017 Annual Report
Financial Highlights (Rp billion) 2013* 2014* 2015 2016** 2017
BALANCE SHEET
Total Assets 626,101 801,984 878,426 1,003,644 1,126,248
Total Earning Assets 568,546 728,094 781,931 991,719 1,128,476
Loan - Gross 448,345 510,697 581,095 663,420 739,337
Government Recap Bonds 4,511 4,304 3,816 3,318 3,318
Investments in Shares - Net 223 252 269 2 73,8
Total Liabilities 546,526 704,278 765,299 856,832 958,901
Third-Party Funds 504,281 622,322 668,995 754,526 841,656
- Demand Deposits 79,337 90,052 114,367 142,547 147,436
- Saving Deposits 212,997 236,395 272,471 303,270 349,441
- Time Deposits 211,948 295,875 282,157 308,709 344,780
Other Interest Bearing Liabilities 20,896 57,435 68,601 70,349 78,739
Capital/Equity 79,574 97,706 113,127 146,813 167,347
PROFIT/LOSS
INTEREST INCOME:
- With Government Bonds Interest 59,461 75,122 85,434 93,995 102,899
- Without Government Bonds Interest 59,298 74,876 85,092 93,794 102,821
Net Interest Income:
- With Government Bonds Interest 44,106 51,442 58,280 65,418 73,005
- Without Government Bonds Interest 43,943 51,197 57,937 65,217 72,928
Other Operating Income 8,348 9,299 13,855 16,999 19,091
Other Operating Expenses (22,381) (26,715) (31,276) (34,941) (38,442)
Provision for impairment losses on financial assets (3,946) (5,719) (8,900) (13,791) (17,234)
Income Before Tax 27,910 30,804 32,494 33,974 37,022
Net Income for the year 21,354 24,227 25,411 26,228 29,044
Income attributable to equity holders of parent entity 21,344 24,215 25,398 26,196 28,997
Income attributable to non-controlling interests 10.20 11.69 13.05 32.22 47.8
Comprehensive Income 19,917 24,482 24,872 41,380 30,877
Comprehensive income attributable to equity holders of parent entity 19,913 24,467 24,861 41,340 30,806
Comprehensive income attributable to noncontrolling interests 3.46 14.67 11.05 39.63 71.2
Earnings per share (Rp) 865.22 981.59 1,030.43 1,071.51 237
FINANCIAL RATIO (BANK ONLY)
CAPITAL
Capital Adequacy Ratio (CAR) 16.99% 18.31% 20.59% 22.91% 22.96%
EARNING ASSETS
Earning Assets and Non Performing Assets to total earning assets and non performing assets 1.06% 1.09% 1.33% 1.46% 1.38%
Non performing earning assets 1.28% 1.26% 1.57% 1.61% 1.59%
Allowance for possible losses to earning assets 2.90% 2.40% 2.37% 2.75% 3.11%
Non Performing Loans (NPL Gross) 1.55% 1.69% 2.02% 2.03% 2.10%
PROFITABILITY
R O A 5.03% 4.73% 4.19% 3.84% 3.69%
R O E 34.11% 31.19% 29.89% 23.08% 20.03%
N I M 8.55% 8.51% 8.13% 8.00% 7.93%
B O P O (Operating Expenses to Operating Income) 60.58% 65.42% 67.96% 68.69% 69.14%
LIQUIDITY
L D R 88.54% 81.68% 86.88% 87.77% 88.13%
COMPLIANCE
Violation of Legal Lending Limit
- Related Parties Nil Nil Nil Nil Nil
- Unrelated Parties Nil Nil Nil Nil Nihil
Excess of Legal Lending Limit
- Related Parties Nil Nil Nil Nil Nil
- Unrelated Parties Nil Nil Nil Nil Nil
Statutory Reserves 8.02% 8.07% 9.31% 6.94% 6.52%
NET OPEN POSITION 3.15% 3.86% 2.33% 6.67% 4.22%