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PT. Bank Rakyat Indonesia's 2021 Financial Highlights as Extracted from 2021 Annual Report

Consolidated Statement of Financial Position (In Rp Million) 2016 2017*) 2018*) 2019 2020*) 2021 Consolidated Statement of Financial Position (In Rp Million)
ASSETS
Cash 25,212,226 24,798,037 27,421,625 30,219,214 32,274,988 26,299,973
Current Accounts with Bank Indonesia 55,635,946 58,155,479 71,159,442 71,416,449 51,530,969 56,426,573
Current Accounts with Other Banks - Net 11,280,795 6,132,512 12,677,355 10,237,736 12,172,423 14,036,019
Placements with Bank Indonesia and Other Banks 78,248,833 55,156,762 87,018,051 116,854,727 67,833,336 58,976,665
Securities - Net 132,086,000 186,938,838 184,284,052 195,840,173 326,956,678 371,737,528
Export Bills and Notes Receivable - Net 11,580,175 17,144,862 33,309,763 34,185,258 26,246,814 28,521,876
Government Recapitalization Bonds 3,318,434 3,317,840 1,505,273 1,130,306 - 0
Securities Purchased Under Agreement to Resell 1,557,370 18,011,026 9,396,553 22,582,244 46,818,568 54,915,498
Derivatives Receivable 103,907 162,912 485,810 210,396 1,576,659 730,083
Loans - Net 621,286,679 684,046,917 779,626,717 839,067,353 876,977,455 909,582,789
Sharia Receivables and Financing - Net 17,256,787 17,287,612 19,681,260 25,021,168 46,483,311 7,748,594
Finance Lease Receivables - Net 2,070,300 2,385,483 3,321,846 4,104,096 26,337,549 37,706,653
Acceptances Receivable 5,692,583 5,693,425 11,643,003 9,346,063 6,271,176 9,066,005
Investment in Associated Entities - Net 11,718 83,100 460,096 745,304 1,500,329 6,071,727
Fixed Assets - Net 24,524,133 24,752,035 26,914,859 31,432,629 43,706,632 47,970,187
Deferred Tax Assets - Net 2,539,713 3,286,732 5,114,653 4,541,298 9,885,990 16,284,898
Other Assets - net 12,396,074 20,093,917 22,877,934 19,824,426 33,492,467 32,022,666
Total Assets 1,004,801,673 1,127,447,489 1,296,898,292 1,416,758,840 1,610,065,344 1,678,097,734
LIABILITIES, TEMPORARY SYIRKAH FUNDS, AND EQUITY
Liabilities
Liabilities Due Immediately 5,410,313 6,584,201 8,462,958 7,549,312 15,473,574 18,735,387
Deposits From Customers 737,863,408 821,884,395 923,309,860 996,377,825 1,087,424,950 1,138,743,215
Deposits From Other Banks Financial Institutions 2,229,538 5,593,367 9,131,158 17,969,829 23,785,997 13,329,434
Securities Sold Under Agreement to Repurchase 7,302,398 12,136,684 37,379,394 49,902,938 40,478,672 29,408,508
Derivatives Payable 347,217 200,858 332,343 184,605 407,774 199,695
Acceptances Payable 5,692,583 5,693,425 11,643,003 9,346,063 6,817,436 9,554,238
Taxes Payable 956,553 569,016 153,833 185,443 1,949,356 4,214,318
Marketable Securities Issued 24,800,781 30,619,658 31,190,216 38,620,837 57,757,028 55,306,697
Fund Borrowings 35,013,680 29,408,694 40,457,429 30,921,771 72,164,236 68,458,547
Estimated Losses on Commitments and Contingencies 895 2,134 1,222 609,493 3,681,709 7,000,268
Liabilities for Employee Benefits 9,479,930 12,194,261 11,789,366 10,662,581 13,435,842 18,105,921
Other Liabilities 10,498,804 13,794,513 15,339,787 19,359,607 22,259,520 22,753,327
Subordinated Loans and Marketable Securities 1,008,510 986,450 1,473,515 1,465,366 1,465,392 501,375
Total Liabilities 840,604,610 939,667,656 1,090,664,084 1,183,155,670 1,347,101,486 1,386,310,930
Temporary Syirkah Funds
Mudharabah Demand Deposits - 139,535 293,264 4,080,803 1,623,563 0
Mudharabah Saving Deposits 983,121 1,270,484 1,659,109 2,025,354 6,147,015 0
Mudharabah Time Deposits 15,679,845 18,362,036 19,006,504 18,712,677 25,726,398 0
Total Temporary Syirkah Funds 16,662,966 19,772,055 20,958,877 24,818,834 33,496,976 0
Total Equity 147,534,097 168,007,778 185,275,331 208,784,336 229,466,882 291,786,804
Total Liabilities, Temporary Syirkah Funds, and Equity 1,004,801,673 1,127,447,489 1,296,898,292 1,416,758,840 1,610,065,344 1,678,097,734
*) After account reclassification
Consolidated Statement of Profit or Loss and Other Comprehensive Income (In Rp Million) 2016 2017 2018 2019 2020 2021 Consolidated Statement of Profit or Loss and Other Comprehensive Income (In Rp Million)
Total Interest and Sharia Income 94,015,994 102,912,375 111,582,804 121,756,276 135,764,561 143,523,329
Total Interest and Sharia Expense (28,576,804) (29,894,281) (33,917,032) (40,048,971) (42,180,448) (29,428,900)
Net Interest and Sharia Income 65,439,190 73,018,094 77,665,772 81,707,305 93,584,113 114,094,429
Premium income - Net 278,710 385,414 945,722 1,010,728 878,710 1,043,075
Total Other Operating Income 17,287,857 19,271,287 23,425,430 28,439,130 38,099,755 41,215,807
Provision for allowance for impairment losses on financial assets - net (13,700,241) (16,994,115) (17,792,693) (21,556,319) (33,024,492) (35,806,312)
Reversal of (provision for) Alliance for estimated losses on commitments and contingencies - net 347 (1,239) 912 (608,271) (2,157,162) (3,321,266)
Provision for allowance for impairment losses on non-financial assets - net (103,705) (258,524) (528,982) (595,015) (98,374) (163,243)
Total Other Operating Expenses (35,156,837) (38,614,076) (41,990,284) (44,965,625) (67,503,849) (75,918,108)
Operating Income 34,045,321 36,806,841 41,725,877 43,431,933 29,778,701 41,144,382
Non-Operating Expense (Income) - Net 1,714 216,395 27,817 (67,880) 214,705 (152,317)
Income Before Tax Expense 34,047,035 37,023,236 41,753,694 43,364,053 29,993,406 40,992,065
Tax Expense (7,761,784) (7,978,187) (9,335,208) (8,950,228) (8,951,971) (7,835,608)
Income Before Pro Forma Net Income Arising From Acquisition Transaction With Entities Under Common Control 26,285,251 29,045,049 32,418,486 34,413,825 21,041,435 33,156,457
Pro Forma Net Income Arising From Acquisition Transaction With Entities Under Common Control (2,381,042) (2,400,691)
Net Income 18,660,393 30,755,766
Other Comprehensive Income
Items not to be reclassified to profit or loss
Remeasurement of defined benefit plans 159,569 61,655 601,819 (1,291,782) (2,473,364) 487,841
Income tax related to item not to be reclassified to profit or loss (530,727) (15,414) (150,455) 322,945 464,563 (67,751)
Revaluation surplus arising from premises and equipments 14,315,527 - - 3,316,985 81,910 (92,127)
Items to be reclassified to profit or loss
Differences arising from the translation of foreign currency financial statements (25,579) 30,709 (4,349) (64,820) (39,780) (61,226)
Unrealized (loss) gain on available-for-sale securities and Government Recapitalization Bonds 1,658,696 2,286,250 (5,141,381) 3,696,914 4,633,558 (3,143,546)
Allowance for impairment losses on securities classified as fair value through other comprehensive income - - - - 868,462 (425,090)
Income tax related to intens to be reclassified to profit or loss (416,966) (527,459) 1,216,705 (895,470) (698,690) 478,796
Other Comprehensive Income For the Year - After Tax 15,160,520 1,835,741 (3,477,661) 5,084,772 2,836,659 (2,823,103)
Total Comprehensive Income For The Year Before Pro Forma Comprehensive Income Arising From Acquisition Transaction With Entities Under Common Control 23,878,094 30,333,354
Pro Forma Comprehensive Income Arising From Acquisition Transaction With Entities Under Common Control (2,120,315) (2,776,220)
Total Comprehensive Income For The Year 41,445,771 30,880,790 28,940,825 39,498,597 21,757,779 27,557,134
Income For The Year Attributable To:
Equity holders of the Parent Entity 26,234,256 28,997,141 32,351,133 34,372,609 18,654,753 31,066,592
Non-controlling interest 50,995 47,908 67,353 41,216 5,640 (310,826)
Total 26,285,251 29,045,049 32,418,486 34,413,825 18,660,393 30,755,766
Total Comprehensive Income For The Year Attributable To:
Equity holders of the Parent Entity 41,384,558 30,808,443 28,910,721 39,403,628 21,727,515 27,855,902
Non-controlling interest 61,213 72,347 30,104 94,969 30,264 (298,768)
Total 41,445,771 30,880,790 28,940,825 39,498,597 21,757,779 27,557,134
Basic Earnings For The Year Per Share Attributable To Equity Holders Of The Parent Entity (Full Rupiah) 214.04 236.93 264.66 281.31 151.28 238
Financial Ratio (Bank Only) 2016 2017*) 2018*) 2019*) 2020 2021 Financial Ratio (Bank Only)
Liquidity
LDR 87.77% 88.13% 89.57% 88.64% 83.66% 83.67%
Credit Quality
NPL Gross 2.03% 2.10% 2.14% 2.62% 2.94% 3.08%
NPL Nett 1.09% 0.88% 0.92% 1.04% 0.80% 0.70%
NPL Coverage 170.34% 195.54% 200.61% 166.59% 247.98% 278.14%
Profitabilitas
NIM 8.00% 7.93% 7.45% 6.98% 6.00% 6.89%
BOPO 68.93% 69.14% 68.48% 70.10% 81.22% 74.30%
CER 41.26% 41.15% 41.02% 40.26% 46.60% 44.39%
CIR 45.40% 43.26%
ROA 3.84% 3.69% 3.68% 3.50% 1.98% 2.72%
ROE Tier 1 23.08% 20.03% 20.49% 19.41% 11.05% 16.87%
Capital
CAR Total 22.91% 22.96% 21.21% 22.55% 20.61% 25.28%
CAR Tier 1 21.91% 21.95% 20.15% 21.52% 19.59% 24.27%
*) After account reclassifcation
Compliance 2016 2017 2018 2019 2020 2021 Compliance
Percentage of Legal Lending Limit Violation
- Related parties Nil Nil Nil Nil Nil Nil
- Non-related Parties Nil Nil Nil Nil Nil Nil
Percentage of Lending in Excess of Legal Lending Limit
- Related parties Nil Nil Nil Nil Nil Nil
- Non-related Parties Nil Nil Nil Nil Nil Nil
Reserve Requirement - Rupiah 6.94% 6.52% 7.16% 6.15% 3.19% 3.97%
Reserve Requirement - Foreign Currency 8.03% 8.15% 8.01% 8.07% 2.00% 2.00%
Net Open Position 6.67% 4.22% 3.73% 1.87% 1.07% 0.81%

The financial figures presented above represent BRI’s consolidated financial statements with subsidiaries

  • For 2016: PT Bank BRISyariah, PT Bank Rakyat Indonesia Agroniaga Tbk, BRI Remittance Co. Ltd Hongkong, PT Asuransi BRILife, PT BRI Multifinance Indonesia, PT Danareksa Sekuritas dan PT BRI Ventura Investama;
  • For 2017: PT Bank BRISyariah Tbk, PT Bank Rakyat Indonesia Agroniaga Tbk, BRI Remittance Co. Ltd Hongkong, PT Asuransi BRILife, PT BRI Multifinance Indonesia, PT Danareksa Sekuritas dan PT BRI Ventura Investama;
  • For 2018: PT Bank BRISyariah Tbk, PT Bank Rakyat Indonesia Agroniaga Tbk, BRI Remittance Co. Ltd Hongkong, PT Asuransi BRILife, PT BRI Multifinance Indonesia, PT Danareksa Sekuritas dan PT BRI Ventura Investama;
  • For 2019: PT Bank BRISyariah Tbk, PT Bank Rakyat Indonesia Agroniaga Tbk, BRI Remittance Co. Ltd Hongkong, PT Asuransi BRILife, PT BRI Multifinance Indonesia, PT Danareksa Sekuritas, PT BRI Ventura Investama, PT Asuransi Bringin Sejahtera Artamakmur;
  • For 2020: PT Bank BRISyariah Tbk, PT Bank Rakyat Indonesia Agroniaga Tbk, BRI Remittance Co. Ltd Hongkong, PT Asuransi BRILife, PT BRI Multifinance Indonesia, PT Danareksa Sekuritas, PT BRI Ventura Investama and PT Asuransi Bringin Sejahtera Artamakmur.

Financial ratios use bank only data.
*) In 2016 and 2019 there were increases in assets and equity due to fix assets revaluation of Rp14.3 trillion and Rp3.3 trillion.