bank bjb Financial Performance Review
Income Statement
Consolidated
bank bjb
YoY Result
Income Statement
(Rp bn)
QoQ Result
YOY
YOY
(%)
1Q22
(Rp bn)
1Q23
1Q22
4Q22
1Q23 QoQ (%) YoY (%)
Interest Income
3,192
3,427
+7.4%
+235
+3,192
+3,757
+3,427 -8.8% +7.4%
Interest Expense
1,176
1,728
+47.0%
+552
+1,176 +1,539 +1,728 +12.3% +47.0%
Net Interest Income
2,017
1,699
-15.7%
-318
+2,017 +2,218 +1,699 -23.4% -15.7%
Fee Based Income
372
362
-2.7%
-10
+372
+441
+362 -17.9% -2.7%
Operating Expense
1,534
1,579
+2.9%
+45
+1,534 +2,009 +1,579
-21.4% +2.9%
Gain (Loss) on Financial Statement
38
70
+84.5%
+32
+38
-114
+70
-160.8% +84.5%
PPOP
893
552
-38.2%
-341
+893
+535
+552
+3.2% -38.2%
Loan Loss Provision
151
100
-33.8%
-51
+151
-80
+100
-224.7% -33.8%
Non Operating Expense
3
5
+71.0%
+2
+3
+5
+71.0%
PBT
738
446
-39.6%
-292
+738
+615
+446
-27.4% -39.6%
Tax Expense
145
80
-45.0%
-65
+145
+152
+80
-47.5% -45.0%
Net Income
593
366
-38.2%
-227
+593
+462
+366
-20.8% -38.2%
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