Investor Presentaiton
Income Statement
Consolidated
bank bjb
YoY Result
QoQ Result
Income Statement
(Rp bn)
YOY
YOY
(%)
9M22
(Rp bn)
9M23
3Q22
1Q23
2Q23
3Q23
QoQ (%)
YoY (%)
Interest Income
9,879
10,509
+6.4%
630
3,361
3,427
3,490
3,592
+2.9%
+6.9%
Interest Expense
3,689
5,275
+43.0%
1,586
1,268
1,728
1,734
1,814
+4.6%
+43.1%
Net Interest Income
6,190
5,234
-15.5%
(957)
2,093
1,699
1,756
1,778
+1.3%
-15.1%
Fee Based Income
1,132
1,253
+10.7%
121
391
362
386
505
+31.1%
+29.2%
Operating Expense
4,886
4,509
-7.7%
(377)
1,690
1,579
1,428
1,502
+5.2%
-11.1%
Gain (Loss) on Financial Statement
95
123
+29.5%
28
40
70
40
14
-65.6%
-65.9%
PPOP
2,531
2,100
-17.0%
(431)
834
552
754
795
+5.5%
-4.7%
Loan Loss Provision
291
358
+22.9%
67
97
100
90
168
+86.5%
+73.2%
Non Operating Expense
19
18
-4.8%
(1)
9
5
7
6
-5.6%
-33.0%
PBT
2,221
1,724
-22.4%
(496)
728
446
657
621
-5.5%
-14.7%
Tax Expense
438
307
-29.8%
(131)
143
80
115
113
-1.6%
-21.2%
Net Income
1,783
1,417
-20.5%
(366)
585
366
543
508
-6.4%
-13.1%
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