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Investor Presentaiton

INCOME STATEMENT - Increasing PPOP Supported by Recovering NII BRI Melayani Dengan Setulus Hati IDR Billion Description 1Q'20 2Q'20 3Q'20 4Q'20 g QoQ 2019 2020 g YoY Interest Income 29,648 23,514 27,663 29,134 5.3% 115,639 109,959 -4.9% Interest from Loans 26,031 20,531 23,778 25,286 6.3% 103,028 95,626 -7.2% Int. from Other Earning Assets 3,617 2,984 3,885 3,848 -1.0% 12,611 14,333 13.7% Interest Expense (9,619) (8,991) (9,006) (7,196) -20.1% (37,078) (34,812) -6.1% Net Interest Income 20,029 14,523 18,657 21,938 17.6% 78,560 75,147 -4.3% Fee & Other Opr. Income * 7,855 5,859 7,338 7,379 0.6% 27,552 28,430 3.2% Gross Operating Income 27,884 20,382 25,994 29,317 12.8% 106,112 103,577 -2.4% Operating Expenses (11,398) (12,212) (12,294) (10,493) -14.7% (41,782) (46,396) 11.0% Pre Provision Operating Profit 16,486 8,170 13,700 18,824 37.4% 64,329 57,181 -11.1% Provision Expenses (6,224) (2,977) (9,009) (12,780) 41.9% (21,307) (30,989) 45.4% Non Operating Income (Net) (4) (2) 9 (34) -463.0% (72) (31) -57.6% Profit Before Tax n Minor. Int. 10,259 5,191 4,701 6,011 27.9% 42,950 26,161 -39.1% Tax Expense (1,954) (3,295) (855) (1,704) 99.4% (8,921) (7,808) -12.5% Net Profit 8,305 1,896 3,846 4,306 12.0% 34,029 18,353 -46.1% EPS** 68 15 31 35 12.0% 278 150 -46.1% *) Detail on the Fee & Other Operating Income on page 35 **) Annualized - Excluding Treasury Stock 35
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