2Q2023 Financial Performance Summary
Income Statement
Consolidated
bank bjb
YoY Result
Income Statement
(Rp bn)
QoQ Result
YOY
YOY
(%)
1H22
(Rp bn)
1H23
2Q22
1Q23
2Q23
QoQ (%) YoY (%)
Interest Income
6,518
6,917
+6.1%
+399
3,326
3,427
3,490
+1.8% +4.9%
Interest Expense
2,421
3,462
+43.0%
+1,040
1,246
1,728
1,734
+0.3% +39.2%
Net Interest Income
4,097
3,455
-15.7%
(641)
2,080
1,699
1,756
+3.4% -15.6%
Fee Based Income
741
747
+0.9%
+6
369
362
386
+6.6% +4.5%
Operating Expense
3,196
3,006
-5.9%
(189)
1,662
1,579
1,428
-9.6% -14.1%
Gain (Loss) on Financial Statement
55
109
+98.9%
+54
17
70
40
-43.2%
+130.6%
PPOP
1,697
1,305
-23.1%
(391)
804
552
754
+36.6% -6.3%
Loan Loss Provision
194
190
-2.1%
(4)
43
100
90
-10.2% +109.4%
Non Operating Expense
10
12
+21.8%
+2
7
5
7
+23.5% -1.2%
PBT
1,493
1,103
-26.1%
(389)
755
446
657
+47.3% -12.9%
Tax Expense
295
195
-34.0%
(100)
149
80
115
+43.2% -23.3%
Net Income
1,198
909
-24.1%
(289)
605
366
543
+48.2% -10.3%
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