Investor Presentaiton
Cost to Income Ratio at 44.3% and BOPO at 71.0%
Cost-to-Income Ratio
Rp billion, %
Total Income 1)
Employee Expense
General & Administration Expenses
Cost-to-Income Ratio 2)
44.0%
44.3%
11,313
10,604
5,011
4,668
56%
56%
44%
44%
FY22
FY23
BOPO Ratio
Rp billion, %
Total Operating Income 1)
• ВОРО 3)
Total Operating Expenses 2)
71.1%
14,579
10,365
FY22
71.0%
17,827
12,658
FY23
Notes:
1) Total Income: Net Interest Income and Non-Interest Income.
2) Cost-to-Income Ratio: Operating Expenses/Total Income.
Notes:
1) Total Operating Income: Interest Income and Non-Interest Income.
2) Total Operating Expenses: Interest Expense, Operating Expense and
Provision Expense.
3) BOPO: Total Operating Expenses/Total Operating Income.
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