Investor Presentaiton
"
INCOME STATEMENT - BANK ONLY
Stronger Profitability From Business Operation Efficiency and Moderated Credit Cost
Items
2020
2021
2022
BRI
(IDR Billion)
1Q'22
4Q22
1Q'23
QoQ
YOY
Interest Income
109,959
119,828
123,835
30,216
29,051
34,703
19.5%
14.9%
Interest from Loans
95,626
104,883
107,535
26,263
24,347
29,522
21.3%
12.4%
Int. from Other Earning Assets
14,333
14,945
16,300
3,953
4,704
5,181
10.2%
31.1%
Interest Expense
(34,812)
(24,008)
(22,830)
(5,127)
(7,446)
(8,438)
13.3%
64.6%
Net Interest Income
75,147
95,819
101,005
25,089
21,605
26,266
21.6%
4.7%
Fee & Other Opr. Income
28,430
32,401
38,320
7,827
11,617
9,168
-21.1%
17.1%
Gross Operating Income
103,577
128,220
139,325
32,916
33,222
35,434
6.7%
7.6%
Operating Expenses
(46,396)
(54,778)
(56,618)
(12,618)
(15,436)
(13,175)
-14.6%
4.4%
Pre Provision Operating Profit
57,181
73,442
82,706
20,298
17,786
22,259
25.1%
9.7%
Provision Expenses
(30,989)
(34,018)
(23,564)
(6,695)
(4,200)
(4,976)
18.5%
-25.7%
Non Operating Income (Net)
(31)
(203)
277
28
(98)
42 -142.7%
49.4%
Profit Before Tax n Minor. Int.
26,161
39,221
59,419
13,631
13,488
17,325
28.4%
27.1%
Tax Expense
(7,808)
(7,005)
(11,591)
(2,728)
(2,845)
(3,529)
24.0%
29.4%
Net Profit
18,353
32,215
47,828
10,903
10,643
13,796
29.6%
26.5%
Note: all numbers are bank only, unless stated as consolidated
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