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
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