PT. Bank Rakyat Indonesia's 2018 Financial Highlights as Extracted from 2018 Annual Report
Financial Highlights (Rp billion) 2014* 2015 2016** 2017 2018
BALANCE SHEET
Total Assets 801,984 878,426 1,004,802 1,127,447 1,296,898
Total Earning Assets 728,094 781,931 907,301 1,025,488 1,178,512
Loan - Gross 510,697 581,095 663,420 739,337 843,598
Government Recap Bonds 4,304 3,816 3,318 3,318 1,505
Investments in Shares - Net 252 269 12 83 460
Total Liabilities 704,278 765,299 857,268 959,440 1,111,623
Third-Party Funds 622,322 668,995 754,526 841,656 944,269
- Demand Deposits 90,052 114,367 142,547 147,436 180,669
- Saving Deposits 236,395 272,471 303,270 349,441 387,180
- Time Deposits 295,875 282,157 308,709 344,780 376,420
Other Interest Bearing Liabilities 57,435 68,601 70,355 78,745 119,632
Capital/Equity 97,706 113,127 147,534 168,008 185,275
PROFIT/LOSS
INTEREST INCOME:
- With Government Bonds Interest 75,122 85,434 94,016 102,912 111,583
- Without Government Bonds Interest 74,876 85,191 93,815 102,834 111,483
Net Interest Income:
- With Government Bonds Interest 51,442 58,280 65,439 73,018 77,666
- Without Government Bonds Interest 51,196 58,037 65,238 72,940 77,566
Other Operating Income 9,299 12,409 17,288 19,271 23,425
Other Operating Expenses (26,715) (31,276) (35,157) (38,614) (41,990)
Provision for impairment losses on financial assets (5,719) (8,900) (13,804) (17,254) (18,321)
Income Before Tax 30,804 32,494 34,047 37,023 41,754
Net Income for the year 24,227 25,411 26,285 29,045 32,418
Income attributable to equity holders of parent entity 24,215 25,398 26,234 28,997 32,351
Income attributable to non-controlling interests 11.69 13.05 50.99 47.91 67.35
Comprehensive Income Loss 24,482 24,872 41,446 30,881 28,941
Comprehensive income attributable to equity holders of parent entity 24,467 24,861 41,985 30,808 28,911
Comprehensive income attributable to noncontrolling interests 14.67 11.05 61.21 72.35 30.10
Earnings per share (Rp) 981.59 1,030.43 214.04 236.93 264.66
FINANCIAL RATIO (BANK ONLY)
CAPITAL
Capital Adequacy Ratio (CAR) 18.31% 20.59% 22.91% 22.96% 21.21%
EARNING ASSETS
Earning Assets and Non Performing Assets to total earning assets and non performing assets 1.09% 1.33% 1.46% 1.38% 1.41%
Non performing earning assets 1.26% 1.57% 1.61% 1.59% 1.62%
Allowance for possible losses to earning assets 2.40% 2.37% 2.75% 3.11% 3.26%
Non Performing Loans (NPL Gross) 1.69% 2.02% 2.03% 2.10% 2.14%
PROFITABILITY
R O A 4.74% 4.19% 3.84% 3.69% 3.68%
R O E 31.22% 29.89% 23.08% 20.03% 20.49%
N I M 8.51% 8.13% 8.27% 7.93% 7.45%
B O P O (Operating Expenses to Operating Income) 65.37% 67.96% 68.93% 69.14% 68.48%
LIQUIDITY
L D R 81.68% 86.88% 87.77% 88.13% 89.57%
COMPLIANCE
Violation of Legal Lending Limit
- Related Parties Nil Nil Nil Nil Nil
- Unrelated Parties Nil Nil Nil Nihil Nil
Excess of Legal Lending Limit
- Related Parties Nil Nil Nil Nil Nil
- Unrelated Parties Nil Nil Nil Nil Nil
Statutory Reserves 8.07% 9.31% 6.94% 6.52% 7.16%
NET OPEN POSITION 3.86% 2.33% 6.67% 4.22% 3.73%