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PT. Bank Rakyat Indonesia's 2022 Financial Highlights as Extracted from 2022 Annual Report

Consolidated Statement of Financial Position (In Rp Million) 2022 2021 2020**) 2019 2018*) Consolidated Statement of Financial Position (In Rp Million)
ASSETS
Cash 27,407,478 26,299,973 32,274,988 30,219,214 27,421,625
Current Accounts with Bank Indonesia 150,935,150 56,426,573 51,530,969 71,416,449 71,159,442
Current Accounts with Other Banks - Net 91,869,777 14,036,019 12,172,423 10,237,736 12,677,355
Securities, Export Bills, Reverse Repo and Other Receivables 418,685,107 455,174,902 400,022,060 252,607,675 226,990,368
Government Recapitalization Bonds - - - 1,130,306 1,505,273
Loans, Sharia Receivables, and Financing 1,139,077,065 1,042,867,653 1,020,192,968 907,388,986 838,141,014
Allowance for Loans Provided, Sharia Receivables, and Financing (93,087,981) (87,829,417) (70,394,653) (39,196,369) (35,511,191)
Derivative Receivables - net 911,405 730,083 1,576,659 210,396 485,810
Acceptances Receivables - net 7,031,064 9,066,005 6,271,176 9,346,063 11,643,003
Allowance for impairment losses - net 6,506,903 6,071,727 1,500,329 745,304 460,096
Fixed assets - net 55,216,047 47,970,187 43,706,632 31,432,629 26,914,859
Deferred Tax Assets - net 18,712,994 16,284,898 9,885,990 4,541,298 5,114,653
Other Assets - net 42,374,001 32,022,666 33,492,467 19,824,426 22,877,934
Total Assets 1,865,639,010 1,678,097,734 1,610,065,344 1,416,758,840 1,296,898,292
LIABILITIES, TEMPORARY SYIRKAH FUNDS, AND EQUITY
Liabilities
Deposits from Customers***) 1,307,884,013 1,138,743,215 1,087,424,950 996,377,825 944,268,737
Demand Deposits 349,755,590 220,590,197 192,729,992 168,826,135 180,669,095
Saving Deposits 522,647,920 497,676,739 476,065,986 405,355,483 387,179,625
Time Deposits 435,480,503 420,476,279 452,125,948 413,223,653 376,420,017
Immediate Liability 24,910,579 18,735,387 15,473,574 7,549,312 8,462,958
Deposits from Other Banks 9,334,547 13,329,434 - 17,969,829 9,131,158
Securities Sold Under Agreement to Repurchase 9,997,592 29,408,508 40,478,672 49,902,938 37,379,394
Fund Borrowings 79,371,200 68,458,547 72,164,236 30,921,771 40,457,429
Marketable Securities Issued 63,611,761 55,306,697 57,757,028 38,620,837 31,190,216
Other Liabilities 67,134,001 62,329,142 50,017,029 19,359,607 3,324,974
Total Liabilities 1,562,243,693 1,386,310,930 1,380,598,462 1,183,155,670 1,111,622,961
Equity
Capital stock 7,577,950 7,577,950 6,167,291 6,167,291 6,167,291
Additional paid-in-capital 75,637,083 76,242,898 3,411,813 2,900,994 2,692,663
Surplus revaluation of fixed assets - net 20,267,952 17,006,230 17,099,207 17,099,207 13,824,692
Differences arising from the translation of foreign currency financial statements (127,954) (115,975) (54,749) (14,970) 49,850
Provision for bonus shares compensation 210,266 210,266 1,228,805 21,796 426,670
Unrealized gain (loss) on fair value through other comprehensive income securities - net of deferred tax (4,464,483) 1,949,387 4,623,064 - -
Allowance for impairment losses on fair value through other comprehensive income securities 139,978 547,026 975,877 - -
Gain/(loss) on unrealized available-for-sale securities and Government Recapitalization Bonds - - - 715,770 (2,070,378)
Gain/(loss) on remeasurement of defined benefit plan - net of deferred tax (689,473) (1,423,685) (1,469,726) 189,519 1,154,343
Treasury Stock (2,202,178) (45,997) (1,649,076) (2,106,014) (2,418,948)
Stock Option 16,356 19,255 72,894 22,409 10,971
Impact of transaction with non-controlling interest 1,758,580 1,758,580 - - -
Merging entity equity - - 29,538,484 - -
Total Retained Earnings 201,169,934 - - 181,327,431 163,130,389
Appropriated 3,022,685 3,022,685 3,022,685 3,022,685 3,022,685
Unappropriated 198,147,249 181,986,363 163,949,482 178,304,746 160,107,704
Total Equity Attributable to Equity Holders of the Parent Entity 299,294,011 288,734,983 226,916,051 206,323,433 182,967,543
Non-controlling Interest 4,101,306 3,051,821 2,550,831 2,460,903 2,307,788
Total Equity 303,395,317 291,786,804 229,446,882 208,784,336 185,275,331
Total Liabilities and Equity 1,865,639,010 1,678,097,734 1,610,065,344 1,416,758,840 1,296,898,292
Consolidated Statement of Profit or Loss and Other Comprehensive Income (In Rp Million) 2022 2021 2020**) 2019 2018*) Consolidated Statement of Profit or Loss and Other Comprehensive Income (In Rp Million)
INCOME AND EXPENSES FROM OPERATIONS
Interest and Sharia Income - net 124,597,073 114,094,429 93,584,113 81,707,305 77,665,772
Premium income - net 1,577,323 1,043,075 878,710 1,010,728 945,722
Other Operating Income 47,302,800 41,215,807 38,099,755 29,463,839 23,425,430
Provision for allowance for impairment losses on financial assets - net (27,384,906) (35,806,312) (33,024,492) (21,556,319) (17,792,693)
Reversal of (provision for) allowance for estimated losses on commitments and contingencies - net 543,145 (3,321,266) (2,157,162) (608,271) 912
Provision for allowance for impairment losses nonfinancial assets - net (137,431) (163,243) (98,374) (595,015) (528,982)
Total other operating expenses (82,191,967) (75,918,108) (67,503,849) (44,965,625) (41,990,284)
Operating Income 64,306,037 41,144,382 29,778,701 43,431,933 41,725,877
Non Operating (expenses) Income - Net 290,664 (152,317) 214,705 (67,880) 27,817
Income Before Tax Expense 64,596,701 40,992,065 29,993,406 43,364,053 41,753,694
Tax Expense (13,188,494) (7,835,608) (8,951,971) (8,950,228) (9,335,208)
Income Before Net Pro Forma Income Arising From Acquisition Transaction With Entities Under Common Control 51,408,207 33,156,457 21,041,435 - -
Pro Forma Net Income Arising From Acquisition Transaction With Entities Under Common Control - (2,400,691) (2,381,042) - -
Net Income 51,408,207 30,755,766 18,660,393 34,413,825 32,418,486
Other comprehensive income:
Accounts that will not be reclassified to profit or loss
Remeasurement of liabilities for employee benefits 902,754 487,841 (2,473,364) (1,291,782) 601,819
Income taxes related to items not to be reclassified to profit or loss (176,671) (67,751) 464,563 322,945 (150,455)
Revaluation surplus arising from premises and equipment 3,297,304 (92,127) 81,910 3,316,985 -
Items to be reclassified to profit or loss
Differences arising from the Translation of foreign currency financial statements (11,979) (61,226) (39,780) (64,820) (4,349)
Unrealized gain (loss) on Fair value through other Comprehensive Income Securities (7,946,514) (3,143,546) 4,633,558 - -
Allowance for impairment losses on fair value through other comprehensive income securities (413,197) (425,090) 868,462 - -
Unrealized gains (losses) on available-for-sale securities and Government Recapitalization Bonds - - - 3,696,914 (5,141,381)
Income taxes related to items to be reclassified to profit or loss 1,509,279 478,796 (698,690) (895,470) 1,216,705
Other comprehensive income for the year - after tax (2,839,024) (2,823,103) 2,836,659 5,084,772 (3,477,661)
Total Comprehensive Income For The Year Before Pro Forma Comprehensive Income Arising From Acquisition Transaction With Entities Under Common Control 48,569,183 30,333,354 23,878,094 - -
Pro Forma Comprehensive Income Arising From Acquisition Transaction With Entities Under Common Control - (2,776,220) (2,120,315) - -
Total Comprehensive Income For The Year 48,569,183 27,557,134 21,757,779 39,498,597 28,940,825
Income For The Year Attributable To:
Equity holders of the parent entity 51,170,312 31,066,592 18,654,753 34,372,609 32,351,133
Non-controlling Interest 237,895 (310,826) 5,640 41,216 67,353
Total 51,408,207 30,755,766 18,660,393 34,413,825 32,418,486
Total Comprehensive Income For The Year Attributable To:
Equity holders of the parent entity 48,333,349 27,855,902 21,727,515 39,403,628 28,910,721
Non-controlling Interest 235,834 (298,768) 30,264 94,969 30,104
Total 48,569,183 27,557,134 21,757,779 39,498,597 28,940,825
Earnings Per Share Attributable To Equity Holders Of The Parent Entity (full Rupiah)
Basic 338 238 152 281 265
Diluted 338 238 151 281 264
Consolidated Statement Of Cash Flows (In Rp Million) 2022 2021 2020**) 2019 2018*) Consolidated Statement Of Cash Flows (In Rp Million)
CASH FLOWS FROM OPERATING ACTIVITIES
Income received
Interest and investment income 130,501,831 136,283,648 125,439,096 117,464,011 102,362,132
Sharia income 10,118,043 6,257,927 6,853,944 3,376,547 3,124,446
Premium income 8,936,995 6,989,783 6,205,775 5,373,757 4,178,213
Expense paid
Interest expense (25,762,613) (28,533,680) (39,883,405) (38,666,742) (32,166,798)
Sharia expense (1,008,042) (1,293,103) (2,297,043) (1,377,133) (1,375,637)
Claim expense (7,359,672) (5,946,708) (5,327,065) (4,363,029) (3,232,491)
Recovery of written-off assets 12,468,321 9,005,760 7,252,171 7,065,981 6,209,435
Other operating income 35,709,608 34,345,472 31,580,969 22,213,637 16,764,733
Other operating expenses (78,869,304) (73,658,162) (63,609,646) (46,257,369) (42,138,028)
Non-operating expense - net (52,531) (203,971) 179,491 (68,021) 27,817
Payment of corporate income tax (15,762,408) (11,164,431) (5,936,444) (9,357,307) (9,668,009)
Cash flows before changes in operating assets and liabilities 68,920,228 72,082,535 60,457,843 55,404,332 44,085,813
Changes in operating assets and liabilities:
Decrease (Increase) in operating assets:
Placement with Bank Indonesia and Other Financial Institutions (195,110) 945,891 264,550 (2,854,149) 190,262
Securities measured at fair value through profit or loss (2,114,619) 9,164,531 (12,440,166) (12,637,154) (2,566,448)
Export bills and other receivables (9,403,150) (2,091,221) 6,744,495 (6,172,212) (16,311,815)
Securities purchased under agreement to resell 3,900,820 (8,096,930) (24,236,324) (13,185,691) 8,614,473
Loans (106,917,972) (68,377,027) (80,715,775) (74,427,400) (113,206,894)
Sharia loans (1,354,828) 39,905,977 (23,299,281) (6,025,669) (2,600,698)
Finance receivables (9,996,487) (11,951,573) (23,148,260) (803,779) (949,203)
Other assets (2,941,947) 1,422,631 23,311,739 6,655,602 4,155,071
Increase (decrease) in operating liabilities:
Liabilities due immediately 6,175,192 3,261,813 7,924,262 (913,645) 1,878,757
Deposits:
Demand Deposits 129,165,393 35,741,846 16,022,216 (9,271,846) 32,568,814
Wadiah Demand Deposits - (6,258,078) 4,237,212 (256,984) 510,949
Saving Deposits 24,971,180 37,005,372 55,315,884 25,436,778 36,497,967
Wadiah Saving Deposits - (9,247,604) 2,295,916 1,349,877 852,159
Time Deposits 15,004,224 (5,923,271) 13,175,897 55,810,139 30,995,577
Deposits from Other Banks and other financial institutions (3,994,882) (10,456,563) 5,816,168 8,838,671 3,537,792
Derivative Payables - (208,079) 223,169 - -
Securities sold under agreement to repurchase (19,410,916) (11,070,164) (9,424,266) 12,523,543 25,242,710
Others liabilities 5,698,879 235,264 (1,398,837) 1,252,567 2,673,187
Decrease of temporary syirkah fund - (33,496,976) 8,678,142 3,859,957 1,186,822
Net cash provided by operating activities 97,506,005 32,588,374 29,804,584 44,582,937 57,355,295
CASH FLOWS FROM INVESTING ACTIVITIES
Sales from premises and equipments 343,195 51,654 35,214 141 -
Investment in associated entities (145,649) (315,724) (284,347) (228,110) -
Dividend income 144,069 4,349 5,530 5,857 814
Acquisition of premises and equipments (10,538,233) (8,254,116) (4,375,066) (3,695,364) (1,822,703)
(Increase) available-for-sale and held-to-maturity securities and Government Recapitalization Bonds - - - (1,270,825) (25,188,955)
Decrease/(increase) in securities measured at fair value through other comprehensive income and amortized cost 37,424,578 (64,581,768) (111,830,687) - -
Net cash provided by/(used in) investing activities 27,227,960 (73,095,605) (116,449,356) (5,188,301) (27,010,844)
CASH FLOWS FROM FINANCING ACTIVITIES
Proceeds from/(payments of) borrowing 11,068,534 (4,229,199) 41,131,054 (9,592,989) 10,829,393
Distribution of dividend income (26,406,603) (12,125,589) (20,623,565) (16,175,565) (13,048,441)
Receipt of subordinated securities - - - - 487.065
Proceeds from marketable securities issued 21,739,525 12,547,672 12,619,200 12,102,950 9,600,185
Payments of marketable securities due (14,650,023) (14,608,236) (11,245,300) (4,419,500) (8,939,750)
Additional capital - 41,059,206 - - (81,195)
Repurchased shares (2,187,544) - - - -
Net cash provided by/(used in) financing activities (10,436,111) 22,643,854 21,881,389 (18,085,104) (1,152,743)
Net Increase (Decrease) In Cash And Cash Equivalents 114,297,854 (17,863,377) (64,763,383) 21,309,532 29,191,708
Effect Of Exchange Rate Changes On Foreign Currencies (30,287) (2,190) (352,878) (160,251) (52,076)
Cash And Cash Equivalents At Beginning Of The Year 153,924,601 171,790,168 236,906,429 215,757,148 186,617,516
Cash And Cash Equivalents At The End Of The Year 268,192,168 153,924,601 171,790,168 236,906,429 215,757,148
Cash and cash equivalents at the end of the period consist of:
Cash 27,407,478 26,299,973 32,274,988 30,219,214 27,421,625
Current accounts with Bank Indonesia 150,935,150 56,426,573 51,530,969 71,416,449 71,159,442
Demand Deposits with Other Banks 21,488,434 14,065,097 12,266,266 10,237,736 12,677,355
Placement with Bank Indonesia and other financial institutions - maturing within three months or less since the acquisition date 68,361,106 57,132,958 65,043,738 113,800,580 86,818,051
Certificates of Bank Indonesia and Deposits Certificates of Bank Indonesia - maturing within three months or less since the acquisition date - - 10,674,207 11,232,450 17,680,675
Total Cash and Cash Equivalent 268,192,168 153,924,601 171,790,168 236,906,429 215,757,148
Financial Ratio (Bank Only) 2022 2021 2020**) 2019 2018*) Financial Ratio (Bank Only)
Liquidity
LDR 79.17% 83.67% 83.66% 88.64% 89.57%
Loan Quality
NPL Gross 2.82% 3.08% 2.94% 2.62% 2.14%
NPL Nett 0.73% 0.70% 0.80% 1.04% 0.92%
NPL Coverage 291.54% 278.14% 247.98% 166.59% 200.61%
Profitability
NIM 6.80% 6.89% 6.00% 6.98% 7.45%
BOPO 64.20% 74.30% 81.22% 70.10% 68.48%
CER 41.33% 44.39% 46.60% 40.26% 41.02%
ROA 3.76% 2.72% 1.98% 3.50% 3.68%
ROE – Tier I 20.93% 16.87% 11.05% 19.41% 20.49%
Profit (loss) to income ratio 29.50% 21.19% 13.27% 23.78% 24.55%
Liabilities to Total Assets ratio 83.23% 81.79% 86.33% 84.84% 85.33%
Liability to Equity Ratio 496.34% 449.11% 631.52% 559.45% 581.81%
Earning Assets
Earning Assets and Non-performing Non-Earning to Total Earning Assets and Non-Earning Assets 1.72% 1.77% 1.82% 1.74% 1.41%
Non-performing Earning Assets to Total Earning Assets 1.72% 1.77% 1.81% 1.98% 1.62%
Allowance for Impairment Losses on Financial Assets to Earning Assets 6.11% 6.16% 5.42% 3.36% 3.26%
Capital
Minimum Capital Adequacy Ratio 23.30% 25.28% 20.61% 22.55% 21.21%
Capital Adequacy Ratio Tier 1 22.30% 24.27% 19.59% 21.52% 20.15%
Compliance
Percentage of Legal Lend ing Limit Violation
- Related parties Nihil Nihil Nihil Nihil Nihil
- Non-related Parties Nihil Nihil Nihil Nihil Nihil
Percentage of Lending in Excess of Legal Lending Limit
- Related parties Nihil Nihil Nihil Nihil Nihil
- Non-related Parties Nihil Nihil Nihil Nihil Nihil
Reserve Requirement - Rupiah 12.11% 4.47% 3.19% 7.16% 6.15%
Reserve Requirement - Foreign Currency 4.24% 4.13% 4.01% 8.01% 8.07%
Net Open Position 0.85% 0.81% 1.07% 1.87% 3.73%
Other Ratio
Cost To Revenue Ratio (consolidated) 41.95% 43.26% 45.40% 40.03% 40.38%

*) After account reclassification
**) Restated regarding the application of PSAK No. 38
***) Includes mudharabah and musyarakah deposits