Download BRI Yearly Financial Report in Excel format
PT. Bank Rakyat Indonesia's 2020 Financial Highlights as Extracted from 2020 Annual Report
Consolidated Statement of Financial Position (In Rp Million) 2016 2017*) 2018*) 2019 2020
ASSETS
Cash 25,212,226 24,798,037 27,421,625 30,219,214 32,161,564
Current Accounts with Bank Indonesia 55,635,946 58,155,479 71,159,442 71,416,449 51,530,969
Current Accounts with Other Banks 11,280,795 6,132,512 12,677,355 10,237,736 9,060,535
Placements with Bank Indonesia and Other Banks 78,248,833 55,156,762 87,018,051 116,854,727 66,521,615
Securities - Net 132,086,000 186,938,838 184,284,052 195,840,173 327,266,714
Export Bills and Notes Receivable - Net 11,580,175 17,144,862 33,309,763 34,185,258 26,246,814
Government Recapitalization Bonds 3,318,434 3,317,840 1,505,273 1,130,306 -
Securities Purchased Under Agreement to Resell 1,557,370 18,011,026 9,396,553 22,582,244 46,818,568
Derivatives Receivable 103,907 162,912 485,810 210,396 1,576,659
Loans - Net 621,286,679 684,046,917 779,626,717 839,067,353 834,293,205
Sharia Receivables and Financing - Net 17,256,787 17,287,612 19,681,260 25,021,168 37,466,184
Finance Lease Receivables - Net 2,070,300 2,385,483 3,321,846 4,104,096 3,406,164
Acceptances Receivable 5,692,583 5,693,425 11,643,003 9,346,063 6,271,176
Investment in Associated Entities - Net 11,718 83,100 460,096 745,304 1,489,800
Fixed Assets - Net 24,524,133 24,752,035 26,914,859 31,432,629 32,185,160
Deferred Tax Assets - Net 2,539,713 3,286,732 5,114,653 4,541,298 8,313,545
Other Assets - net 12,396,074 20,093,917 22,877,934 19,824,426 27,195,956
Total Assets 1,004,801,673 1,127,447,489 1,296,898,292 1,416,758,840 1,511,804,628
LIABILITIES, TEMPORARY SYIRKAH FUNDS, AND EQUITY
Liabilities
Liabilities Due Immediately 5,410,313 6,584,201 8,462,958 7,549,312 11,845,910
Deposits From Customers 737,863,408 821,884,395 923,309,860 996,377,825 1,087,555,173
Deposits From Other Banks Financial Institutions 2,229,538 5,593,367 9,131,158 17,969,829 23,785,996
Securities Sold Under Agreement to Repurchase 7,302,398 12,136,684 37,379,394 49,902,938 40,478,672
Derivatives Payable 347,217 200,858 332,343 184,605 407,774
Acceptances Payable 5,692,583 5,693,425 11,643,003 9,346,063 6,817,436
Taxes Payable 956,553 569,016 153,833 185,443 1,400,638
Marketable Securities Issued 24,800,781 30,619,658 31,190,216 38,620,837 34,489,091
Fund Borrowings 35,013,680 29,408,694 40,457,429 30,921,771 35,968,985
Estimated Losses on Commitments and Contingencies 895 2,134 1,222 609,493 3,681,709
Liabilities for Employee Benefits 9,479,930 12,194,261 11,789,366 10,662,581 10,397,201
Other Liabilities 10,498,804 13,794,513 15,339,787 19,359,607 20,052,299
Subordinated Loans and Marketable Securities 1,008,510 986,450 1,473,515 1,465,366 1,465,392
Total Liabilities 840,604,610 939,667,656 1,090,664,084 1,183,155,670 1,278,346,276
Temporary Syirkah Funds
Mudharabah demand deposits - 139,535 293,264 4,080,803 1,623,563
Mudharabah saving deposits 983,121 1,270,484 1,659,109 2,025,354 6,147,015
Mudharabah time deposits 15,679,845 18,362,036 19,006,504 18,712,677 25,776,398
Total Temporary Syirkah Funds 16,662,966 19,772,055 20,958,877 24,818,834 33,546,976
Total Equity 147,534,097 168,007,778 185,275,331 208,784,336 199,911,376
Total Liabilities, Temporary Syirkah Funds, and Equity 1,004,801,673 1,127,447,489 1,296,898,292 1,416,758,840 1,511,804,628
*) After account reclassification
Consolidated Statement of Profit or Loss and Other Comprehensive Income (In Rp Million) 2016 2017 2018 2019 2020
Total Interest and Sharia Income 94,015,994 102,912,375 111,582,804 121,756,276 116,932,512
Total Interest and Sharia Expense (28,576,804) (29,894,281) (33,917,032) (40,048,971) (37,722,595)
Net Interest and Sharia Income 65,439,190 73,018,094 77,665,772 81,707,305 79,209,917
Premium income - Net 278,710 385,414 945,722 1,010,728 881,651
Total Other Operating Income 17,287,857 19,271,287 23,425,430 28,439,130 29,463,839
Provision for allowance for impairment losses on financial assets - net (13,700,241) (16,994,115) (17,792,693) (21,556,319) (30,617,491)
Reversal of (provision for) Alliance for estimated losses on commitments and contingencies - net 347 (1,239) 912 (608,271) (2,157,162)
Provision for allowance for impairment losses on non-financial assets - net (103,705) (258,524) (528,982) (595,015) (75,231)
Total Other Operating Expenses (35,156,837) (38,614,076) (41,990,284) (44,965,625) (49,931,359)
Operating Income 34,045,321 36,806,841 41,725,877 43,431,933 26,774,164
Non-Operating Expense (Income) - Net 1,714 216,395 27,817 (67,880) (49,318)
Income Before Tax Expense 34,047,035 37,023,236 41,753,694 43,364,053 26,724,846
Tax Expense (7,761,784) (7,978,187) (9,335,208) (8,950,228) (8,064,453)
Income For The Year 26,285,251 29,045,049 32,418,486 34,413,825 18,660,393
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) (2,034,087)
Income tax related to item not to be reclassified to profit or loss (530,727) (15,414) (150,455) 322,945 367,922
Revaluation surplus arising from premises and equipments 14,315,527 - - 3,316,985 -
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) (39,779)
Unrealized (loss) gain on available-for-sale securities and Government Recapitalization Bonds 1,658,696 2,286,250 (5,141,381) 3,696,914 4,633,561
Allowance for impairment losses on securities classified as fair value through other comprehensive income - - - - 866,461
Income tax related to intens to be reclassified to profit or loss (416,966) (527,459) 1,216,705 (895,470) (698,692)
Other Comprehensive Income For the Year - After Tax 15,160,520 1,835,741 (3,477,661) 5,084,772 3,097,386
Total Comprehensive Income For The Year 41,445,771 30,880,790 28,940,825 39,498,597 21,757,779
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
Non-controlling interest 50,995 47,908 67,353 41,216 5,640
Total 26,285,251 29,045,049 32,418,486 34,413,825 18,660,393
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
Non-controlling interest 61,213 72,347 30,104 94,969 30,264
Total 41,445,771 30,880,790 28,940,825 39,498,597 21,757,779
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
FINANCIAL RATIO (BANK ONLY) 2016 2017*) 2018*) 2019*) 2020
Liquidity
LDR 87.77% 88.13% 89.57% 88.64% 83.66%
Credit Quality
NPL Gross 2.03% 2.10% 2.14% 2.62% 2.94%
NPL Nett 1.09% 0.88% 0.92% 1.04% 0.80%
NPL Coverage 170.34% 195.54% 200.61% 166.59% 247.98%
Profitabilitas
NIM 8.00% 7.93% 7.45% 6.98% 6.00%
BOPO 68.93% 69.14% 68.48% 70.10% 81.22%
CER 41.26% 41.15% 41.02% 40.26% 46.60%
ROA 3.84% 3.69% 3.68% 3.50% 1.98%
ROE 23.08% 20.03% 20.49% 19.41% 11.05%
Capital
CAR Total 22.91% 22.96% 21.21% 22.55% 20.61%
CAR Tier 1 21.91% 21.95% 20.15% 21.52% 19.59%
*) After account reclassifcation
COMPLIANCE 2016 2017 2018 2019 2020
Percentage of Legal Lending Limit Violation
- Related parties Nil Nil Nil Nil Nil
- Non-related Parties Nil Nil Nil Nil Nil
Percentage of Lending in Excess of Legal Lending Limit
- Related parties Nil Nil Nil Nil Nil
- Non-related Parties Nil Nil Nil Nil Nil
Reserve Requirement - Rupiah 6.94% 6.52% 7.16% 6.15% 3.19%
Reserve Requirement - Foreign Currency 8.03% 8.15% 8.01% 8.07% 4.01%
Net Open Position 6.67% 4.22% 3.73% 1.87% 1.07%