BRI Performance Highlights and Green Initiatives
INCOME STATEMENT - BANK ONLY
Stronger Profitability From Business Operation Efficiency and Moderated Credit Cost
BRI
IDR Billion
g YoY
Description
Q1'22
1H'22
9M'22
2021
2022
Nom
%
Interest Income
30,216
63,621
94,784
119,828
123,835
4,007
3.3%
Interest from Loans
26,263
55,955
83,187
104,883
107,535
2,652
2.5%
Int. from Other Earning Assets
3,953
7,667
11,596
14,945
16,300
1,355
9.1%
Interest Expense
(5,127)
(9,915)
(15,384)
(24,008)
(22,830)
1,178
-4.9%
Net Interest Income
25,089
53,707
79,400
95,819
101,005
5,185
5.4%
Fee & Other Operating Income
7,827
17,533
26,703
32,401
38,320
5,920 18.3%
Gross Operating Income
32,916
71,239
106,103
128,220
139,325
11,105
8.7%
Operating Expenses
(12,618)
(26,401)
(41,182)
(54,778)
(56,618)
(1,841)
3.4%
Pre-Provision Operating Profit
20,298
44,838
64,920
73,442
82,706
9,264 12.6%
Provision Expenses
(6,695)
(15,589)
(19,364)
(34,018)
(23,564)
10,454 -30.7%
Non-Operating Income (Net)
28
51
375
(203)
277
480-236.3%
Profit Before Tax n Minor. Int.
13,631
29,300
45,931
39,221
59,419
20,199 51.5%
Tax Expense
(2,728)
(5,474)
(8,746)
(7,005)
(11,591)
(4,586) 65.5%
Net Profit
10,903
23,826
37,185
32,215
47,828
15,612 48.5%
EPS*
356
389
405
263
391
127 48.5%
Note: all numbers are bank only, unless stated as consolidated
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