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Investor Presentaiton

INCOME STATEMENT (BRI (IDR Billion) Items 2020 2021 2022 1Q22 4Q22 1Q23 QoQ YOY Interest Income 135,765 143,523 151,875 36,732 36,623 42,460 15.9% 15.6% Interest Expense (42,180) (29,429) (27,278) (6,325) (8,534) (9,681) 13.4% 53.1% Net Interest Income 93,584 114,094 124,597 30,407 28,090 32,779 16.7% 7.8% Net Premium Income Gold Sales Revenue - Net 879 289 1,043 1,577 278 747 442 -40.8% 59.1% 227 277 72 68 80 16.7% 10.7% Total NII, Premium & Gold Income 94,752 115,365 126,451 30,757 28,905 33,301 15.2% 8.3% Other Operating Income (Non-Interest) 30,977 Total Operating Expenses (60,670) 34,705 (69,635) (74,294) 39,127 Personnel Expenses (33,105) (38,047) (39,390) G&A Expenses (21,005) (23,269) (25,959) Others Expenses (6,560) (8,319) (8,945) Pre Provision Operating Profit 65,059 80,435 91,285 8,701 12,395 9,943 (16,664) (21,418) (18,091) (9,571) (11,640) (10,685) (5,327) (8,052) (6,570) (1,766) (1,725) (836) 22,794 19,883 25,153 -19.8% 14.3% -15.5% 8.6% -8.2% 11.6% -18.4% 23.3% -51.6% -52.7% 26.5% 10.3% Provision Expenses (35,280) (39,291) (26,979) (7,474) (4,415) (5,599) 26.8% -25.1% Profit From Operations 29,779 41,144 64,306 15,320 15,468 19,554 26.4% 27.6% Non Operating Income 215 (152) 291 40 (110) 42 -138.2% 5.0% Net Income Before Tax 29,993 40,992 64,597 15,360 15,358 19,596 27.6% 27.6% Net Profit 18,660 30,756 51,408 12,220 12,097 15,564 28.7% 27.4% Profit After Tax & Minority Interest (PATMI) 18,655 31,067 51,170 12,167 12,014 15,502 29.0% 27.4% Financial figures for 2021 is restated to include Pegadaian and PNM in accordance with PSAK 38 26 26
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