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
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