PT. Bank Rakyat Indonesia's 2016 Financial Highlights as Extracted from 2016 Annual Report
Financial Highlights (Rp billion) 2012 2013* 2014* 2015 2016**
BALANCE SHEET
Total Assets 551.337 626.101 801.984 878.426 1.003.644
Total Earning Assets 499.042 568.546 728.094 781.931 904.077
Loan - Gross 362.007 448.345 510.697 581.095 663.420
Government Recap Bonds 4.316 4.511 4.304 3.816 3.318
Investments in Shares - Net 197 223 252 269 2
Total Liabilities 486.455 546.526 704.278 765.299 856.8312
Third-Party Funds 450.166 504.281 622.322 668.995 754.526
- Demand Deposits 80.075 79.337 90.052 114.367 142.547
- Saving Deposits 184.365 212.997 236.395 272.471 303.270
- Time Deposits 185.726 211.948 295.875 282.157 308.709
Other Interest Bearing Liabilities 15.784 20.896 57.435 68.601 70.349
Capital/Equity 64.882 79.574 97.706 113.127 146.813
PROFIT/LOSS
INTEREST INCOME:
- With Government Bonds Interest 49.610 59.461 75.122 85.434 94.788
- Without Government Bonds Interest 49.235 59.298 74.876 85.192 94.587
Net Interest Income:
- With Government Bonds Interest 36.484 44.106 51.442 58.280 67.576
- Without Government Bonds Interest 36.109 43.943 51.197 58.037 67.375
Other Operating Income 8.390 8.348 9.299 13.855 17.213
Other Operating Expenses (19.491) (22.381) (26.715) (31.276) (37.098)
Provision for impairment losses on financial assets (2.700) (3.946) (5.719) (8.900) (13.791)
Income Before Tax 23.860 27.910 30.804 32.494 33.974
Net Income for the year 18.687 21.354 24.227 25.411 26.228
Income attributable to equity holders of parent entity 18.681 21.344 24.215 25.398 26.196
Income attributable to noncontrolling interests 6,50 10,20 11,69 13,05 32,22
Comprehensive Income 18.687 22.392 24.482 24.872 41.380
Comprehensive income attributable to equity holders of parent entity 18.652 22.387 24.467 24.861 41.340
Comprehensive income attributable to non-controlling interests 8,91 4,58 14,67 11,05 39,63
Earnings per share (Rp) 757,26 865,22 981,59 1.030,43 1.071,51
FINANCIAL RATIO (BANK ONLY)
CAPITAL
Capital Adequacy Ratio (CAR) 16,95% 16,99% 18,31% 20,59% 22,91%
EARNING ASSETS
Earning Assets and Non Performing Assets to total earning assets and non performing assets 1,19% 1,06% 1,09% 1,33% 1,46%
Non performing earning assets 1,46% 1,28% 1,26% 1,57% 1,61%
Allowance for possible losses to earning assets 3,43% 2,90% 2,40% 2,37% 2,75%
Non Performing Loans (NPL Gross) 1,78% 1,55% 1,69% 2,02% 2,03%
PROFITABILITY
R O A 5,15% 5,03% 4,73% 4,19% 3,84%
R O E 38,66% 34,11% 31,19% 29,89% 23,08%
N I M 8,42% 8,55% 8,51% 8,13% 8,27%
B O P O (Operating Expenses to Operating Income) 59,93% 60,58% 65,42% 67,96% 68,93%
LIQUIDITY
L D R 79,85% 88,54% 81,68% 86,88% 87,77%
COMPLIANCE
Violation of Legal Lending Limit
- Related Parties Nihil Nihil Nihil Nihil Nihil
- Unrelated Parties Nihil Nihil Nihil Nihil Nihil
Excess of Legal Lending Limit
- Related Parties Nihil Nihil Nihil Nihil Nihil
- Unrelated Parties Nihil Nihil Nihil Nihil Nihil
Statutory Reserves 10,64% 8,02% 8,07% 9,31% 6,94%
Net Open Position 3,00% 3,15% 3,86% 2,33% 6,67%