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PT. Bank Rakyat Indonesia's 2025 Financial Highlights as Extracted from 2025 Annual Report

Consolidated Statement of Financial Position (In Rp Million) 2025 2024* 2023 2022 2021 Consolidated Statement of Financial Position (In Rp Million)
ASSETS
Cash 32,044,482 29,783,642 31,603,784 27,407,478 26,299,973
Current Accounts with Bank Indonesia 31,929,608 88,878,969 101,909,121 150,935,150 56,426,573
Current Accounts with Other Banks - Net 63,488,113 83,448,015 87,545,335 91,869,777 73,012,684
Securities, Export Bills, Reverse Repo and Other Receivables 420,454,320 382,903,830 416,411,206 418,732,147 455,174,902
Loans, Sharia Receivables, and Financing 1,521,485,857 1,354,640,779 1,266,429,247 1,139,077,065 1,042,867,453
Allowance for Loans Provided, Sharia Receivables, and Financing (83,058,656) (81,063,511) (85,501,888) (93,087,981) (87,829,417)
Derivative Receivables - net 1,167,029 1,087,048 911,683 911,405 730,083
Acceptances Receivables - net 13,046,341 9,783,690 9,967,710 7,031,064 9,066,005
Investment in Shares - net 8,834,868 8,076,567 7,305,491 6,506,903 6,071,727
Premises and Equipment - net 63,294,240 62,477,965 59,678,119 55,216,047 47,970,187
Deferred Tax Assets - net 8,129,522 12,800,660 15,445,977 18,712,994 16,284,898
Other Assets - net 54,555,381 39,369,252 53,709,169 42,374,001 32,022,666
Total Assets 2,135,371,105 1,992,186,906 1,965,414,954 1,865,639,010 1,678,097,734
LIABILITIES, TEMPORARY SYIRKAH FUNDS, AND EQUITY
Liabilities
Deposits from Customers**) 1,466,843,839 1,365,450,104 1,358,328,761 1,307,884,013 1,138,743,215
Demand Deposits 448,203,670 374,554,340 346,124,372 349,755,590 220,590,197
Saving 587,585,862 544,426,947 527,945,550 522,647,920 497,676,739
Deposits 431,054,307 446,468,817 484,258,839 435,480,503 420,476,279
Liabilities Due Immediately 39,818,745 36,821,661 30,651,807 24,910,579 18,735,387
Deposits from Other Banks 17,601,436 14,679,482 11,958,319 9,334,547 13,329,434
Securities Sold Under Agreement to Repurchase 27,932,749 25,043,717 19,079,458 9,997,592 29,408,508
Fund Borrowings 129,186,116 127,879,804 98,850,813 79,371,200 68,458,547
Marketable Securities Issued 40,901,648 32,502,499 49,637,581 63,611,761 55,306,697
Other Liabilities 82,145,138 66,494,623 80,049,320 67,134,001 62,329,142
Total Liabilities 1,804,429,671 1,668,871,890 1,648,556,059 1,562,243,693 1,386,310,930
Equity
Capital stock 7,577,950 7,577,950 7,577,950 7,577,950 7,577,950
Additional paid-in-capital 75,946,195 75,880,223 75,853,127 75,637,083 76,242,898
Revaluation surplus arising from Premises and equipment - net of tax 20,754,251 20,222,379 20,216,505 20,267,952 17,006,230
Differences arising from translation of foreign currency financial statements 227,059 (204,632) (253,744) (127,954) (115,975)
Provision for bonus shares compensation 453,231 452,031 287,482 210,266 210,266
Unrealized gains / (loss) on fair value through other comprehensive income securities - net 1,289,152 (2,196,060) (2,221,745) (4,464,483) 1,949,387
Allowance for impairment losses on fair value through other comprehensive income securities 60,966 51,931 128,230 139,978 547,026
Gain (or loss) of remeasurement of defined benefit plan - net of deferred tax (2,198,095) (505,787) (2,134,699) (689,473) (1,423,685)
Treasury Stocks (4,463,270) (4,349,007) (3,614,321) (2,202,178) (45,997)
Stock Option 121,808 313,404 54,769 16,356 19,255
Impact of transactions with non-controlling 1,758,580 1,758,580 1,758,580 1,758,580 1,758,580
Cadangan keuangan asuransi - neto (157,347) (5,050) (47,420) - -
Retained Earnings 222,663,378 218,032,389 213,861,223 201,169,934 185,009,048
Appropriated 3,022,685 3,022,685 3,022,685 3,022,685 3,022,685
Unappropriated 219,640,693 215,009,704 210,838,538 198,147,249 181,986,363
Total Equity Attributable to Equity Holders of the Parent Entity 324,033,858 317,028,351 311,465,937 299,294,011 288,734,983
Non-controlling Interest 6,907,576 6,286,665 5,392,958 4,101,306 3,051,821
Total Equity 330,941,434 323,315,016 316,858,895 303,395,317 291,786,804
Total Liabilities and Equity 2,135,371,105 1,992,186,906 1,965,414,954 1,865,639,010 1,678,097,734
Consolidated Statement of Profit or Loss and Other Comprehensive Income (In Rp Million) 2025 2024* 2023 2022 2021 Consolidated Statement of Profit or Loss and Other Comprehensive Income (In Rp Million)
INCOME AND EXPENSES FROM OPERATION
Total Interest and Sharia Income 207,783,368 199,266,252 181,214,528 151,874,816 143,523,329
Total Interest and Sharia Expenses (57,284,939) (56,607,595) (43,812,507) (27,277,743) (29,428,900)
Total Interest and Sharia Income - net 150,498,429 142,658,657 135,183,487 124,597,073 114,094,429
Premium income - net 1,298,183 1,166,810 2,161,392 1,577,323 1,043,075
Revenue from gold sold – net ***) 2,398,966 703,197 319,644 299,151 -
Other Operating Income 53,681,192 53,948,329 45,625,785 39,127,694 41,215,807
Provision for allowance for impairment losses on financial assets - net (46,723,647) (41,744,402) (29,523,426) (27,384,906) (35,806,312)
Reversal of (provision for) allowance for estimated losses on commitments and contingencies - net (624,058) 3,596,482 341,994 543,145 (3,321,266)
Provision for allowance for impairment losses nonfinancial assets - net (82,414) (13,008) (497,848) (137,431) (163,243)
Other operating expenses (88,446,886) (82,100,218) (76,782,291) (74,316,012) (75,918,108)
Operating Income 73,247,881 78,215,847 76,828,737 64,306,037 41,144,382
Non Operating (expenses) Income - Net (455,062) (963,653) (399,025) 290,664 (152,317)
Income Before Tax Expense 72,792,819 77,252,194 76,429,712 64,596,701 40,992,065
Tax Expense (15,660,454) (16,945,848) (16,004,664) (13,188,494) (7,835,608)
Income Before Net Pro Forma Income Arising From Acquisition Transaction With Entities Under Common Control 57,132,365 60,306,346 60,425,048 51,408,207 33,156,457
Pro Forma Net Income Arising From Acquisition Transaction With Entities Under Common Control - - - - (2,400,691)
Net Income 57,132,365 60,306,346 60,425,048 51,408,207 30,755,766
Other comprehensive income:
Item not to be reclassified to profit or loss
Remeasurement of liabilities for employee benefits (2,105,170) 2,001,031 (1,787,840) 902,754 487,841
Income taxes related to items not to be reclassified to profit or loss 408,841 (376,095) 348,975 (176,671) (67,751)
Revaluation surplus arising from premises and equipment 543,712 9,670 (82,365) 3,297,304 (92,127)
Items to be reclassified to profit or loss
Differences arising from the translation of foreign currency financial statement 431,691 49,112 (125,790) (11,979) (61,226)
Unrealized gain (loss) on securities and Govern-ment Recapitalization Bonds classified as fair value through other comprehensive income****) 4,826,637 (145,799) 1,782,067 (7,946,514) (3,143,546)
Allowance for impair-ment losses on securities classified as fair value through ither compre-hensive income 18,756 (86,410) (9,105) (413,197) (425,090)
Finance expenses from insurance contracts issued (361,281) 98,305 348,975 (176,671) (67,751)
Income taxes related to items to be reclassified to profit or loss (854,180) 14,658 502,669 1,509,279 478,796
Other comprehensive income for the year - after tax 2,909,006 1,564,472 628,611 (2,839,024) (2,823,103)
Total Comprehensive Income For The Year Before Pro Forma Comprehensive Income Arising From Acquisition Transaction With Entities Under Common Control 60,041,371 61,870,818 61,053,659 48,569,183 30,333,354
Pro Forma Comprehensive Income Arising From Acquisition Transaction With Entities Under Common Control - - - - (2,776,220)
Total Comprehensive Income For The Year 60,041,371 61,870,818 62,131,602 48,569,183 27,557,134
Income For The Year Attributable To:
Equity holders of the parent entity 56,652,384 59,944,649 60,099,863 51,170,312 31,066,592
Non-controlling Interest 479,981 361,697 325,185 237,895 (310,826)
Total 57,132,365 60,306,346 60,425,048 51,408,207 30,755,766
Total Comprehensive Income For The Year Attributable To:
Equity holders of the parent entity 59,265,589 61,620,303 60,708,390 48,333,349 27,855,902
Non-controlling Interest 775,782 250,515 345,269 235,834 (298,768)
Total 60,041,371 61,870,818 61,053,659 48,569,183 27,557,134
Earnings Per Share Attributable To Equity Holders Of The Parent Entity (in full Rupiah)
Basic 376 398 398 338 238
Diluted 376 398 398 338 238
Consolidated Statement Of Cash Flows (In Rp Million) 2025 2024* 2023 2022 2021 Consolidated Statement Of Cash Flows (In Rp Million)
CASH FLOWS FROM OPERATING ACTIVITIES
Income received
Interest and investment income 188,133,607 191,363,148 169,068,778 130,501,831 136,283,648
Sharia income 14,733,244 13,891,084 12,922,019 10,118,043 6,257,927
Premium income 6,383,438 8,760,610 8,996,516 8,936,995 6,989,783
Income from Gold sales 61,566,593 18,192,082 7,982,888 8,715,106 -
Expense paid
Interest expense (56,224,677) (55,680,976) (42,461,798) (25,762,613) (28,533,680)
Sharia expense (1,252,495) (993,686) (1,161,971) (1,008,042) (1,293,103)
Claim expense (6,322,597) (5,547,858) (6,549,595) (7,359,672) (5,946,708)
Expenses for the cost of goods sold for gold (59,167,627) (17,488,885) (7,663,244) (7,875,955) -
Recovery of written-off assets 20,952,308 25,363,951 16,833,578 12,468,321 9,005,760
Other operating income 32,563,546 27,775,215 29,267,943 27,534,502 34,345,472
Other operating expenses (80,928,270) (85,574,645) (75,776,851) (70,993,349) (73,658,162)
Non-operating expense - net (555,267) (1,108,735) (568,000) (52,531) (203,971)
Payment of corporate income tax (10,543,662) (13,742,335) (14,279,292) (15,762,408) (11,164,431)
Cash flows before changes in operating assets and liabilities 109,338,141 105,208,970 96,610,971 68,920,228 72,082,535
Changes in operating assets and liabilities:
Decrease (Increase) in operating assets:
Placement with Bank Indonesia and Other Financial Institutions (544,175) 1,273,810 (505,646) (195,110) 945,891
Securities measured at fair value through profit or loss (1,594,522) (976,001) (1,277,298) (2,114,619) 9,164,531
Export bills and other receivables (7,595,261) 13,473,275 (15,015,682) (9,403,150) (2,091,221)
Securities purchased under agreement to resell 16,821,238 16,749,541 17,419,447 3,900,820 (8,096,930)
Loans (203,205,917) (127,686,861) (151,950,901) (106,917,972) (68,377,027)
Sharia Loans (10,658,658) (4,133,183) (8,019,499) (1,354,828) 39,905,977
Financing Receivables 2,027,451 (1,479,857) (1,213,941) (9,996,487) (11,951,573)
Other assets (1,213,587) 1,562,240 (16,170,249) (2,941,947) 1,422,631
Increase (decrease) in operating liabilities:
Liabilities due immediately 2,997,084 6,169,854 5,741,228 6,175,192 3,261,813
Deposits:
Demand Deposits 73,649,330 28,429,968 (3,631,218) 129,165,393 35,741,846
Wadiah Current Account - - - - (6,258,078)
Mudharabah Current Account - - - - -
Savings Deposits 43,158,915 16,481,397 5,297,630 24,971,180 37,005,372
Wadiah Saving Deposits - - - - (9,247,604)
Mudharabah Saving Deposits - - - - -
Time Deposit (15,414,510) (37,790,022) 48,778,336 15,004,224 (5,923,271)
Mudharabah Saving Deposit - - - - -
Deposits from Other Banks and other financial institutions 2,921,954 2,721,163 2,623,772 (3,994,882) (10,456,563)
Derivative Payable - - - - (208,079)
Securities sold under agreement to repurchase 2,889,032 5,964,259 9,081,866 (19,410,916) (11,070,164)
Others liabilities 1,040,508 (4,645,149) 7,072,077 5,698,879 235,264
Increase (Decrease) temporary syirkah fund - - - - (33,496,976)
Net cash provided by (used in) operating activities 14,617,023 24,283,108 (4,971,454) 97,506,005 32,588,374
CASH FLOWS FROM INVESTING ACTIVITIES
Proceeds from sales premises and equipment 100,205 129,827 168,975 343,195 51,654
Investment in shares - (4,912) 36,137 (145,649) (315,724)
Proceeds from dividend 166,422 137,035 75,572 144,069 4,349
Acquisition of premises and equipment (6,344,276) (10,334,588) (8,177,296) (10,538,233) (8,254,116)
(Increase) securities and Government Recapitalisation Bonds classified as fair value through other comprehensive income and amortized cost (40,012,932) 9,884,449 2,907,520 37,424,578 (64,581,768)
Net cash provided by/(used in) investing activities (46,090,581) (188,199) (4,989,092) 27,227,960 (73,095,605)
CASH FLOWS FROM FINANCING ACTIVITIES
Proceeds from/(payments of) borrowing 1,077,997 29,188,564 19,360,539 11,068,534 (4,229,199)
Treasury stock (51,881,643) (48,102,283) (43,494,766) (26,406,603) (12,125,589)
Distribution of income for dividend - - 494,142 - -
Proceeds of subordinated loans - - (500,000) - -
Payment of subordinated loans (28,395,963) (10,905,923) (14,112,994) (21,739,525) (12,547,672)
Proceed of marketable securities issued (19,724,136) (28,578,477) (28,141,850) (14,650,023) (14,608,236)
Payments of matured marketable securities issued - - - - (41,059,206)
Additional capital (488,373) (875,758) (1,382,284) (2,187,544) -
Net cash provided by/(used in) financing activities (42,620,192) (37,462,031) (39,551,225) (10,436,111) 22,643,854
Decrease (Increase) In Cash And Cash Equivalents (74,093,750) (13,367,112) (49,511,771) 114,297,854 (17,863,377)
Effect Of Exchange Rate Changes On Foreign Currencies 1,085 17,758 (2,663) (30,287) (2,190)
Cash And Cash Equivalents At Beginning Of The Year 205,328,380 218,677,734 268,192,168 153,924,601 171,790,168
Cash And Cash Equivalents At The End Of The Year 131,235,715 205,328,380 218,677,734 268,192,168 153,924,601
Cash and cash equivalents at the end of the period consist of:
Cash 32,044,482 29,783,642 31,603,784 27,407,478 26,299,973
Current accounts with Bank Indonesia 31,929,608 88,878,969 101,909,121 150,935,150 56,426,573
Current accounts with Other Banks 42,444,581 25,582,825 22,331,919 21,488,434 14,065,097
Placement with Bank Indonesia and other financial institutions - maturing within three months or less since the acquisition date 19,240,525 56,601,825 62,678,940 68,361,106 57,132,958
Certificates of Bank Indonesia and Deposits Certificates of Bank Indonesia - maturing within three months or less since the acquisition date 5,576,519 4,481,119 153,970 - -
Total Cash and Cash Equivalent 131,235,715 205,328,380 218,677,734 268,192,168 153,924,601
Financial Ratio (Bank Only) 2025 2024* 2023 2022 2021 Financial Ratio (Bank Only)
Liquidity
LDR 91.96% 89.39% 84.73% 79.17% 83.67%
CASA 70.89% 67.54% 64.55% 66.92% 63.30%
Loan Quality
NPL Gross 3.29% 2.94% 3.12% 2.82% 3.08%
NPL Nett 0.96% 0.75% 0.76% 0.73% 0.70%
NPL Coverage 165.14% 199.43% 215.27% 291.54% 278.14%
Profitability
NIM 6.54% 6.75% 6.84% 6.80% 6.89%
ROA 3.26% 3.76% 3.93% 3.76% 2.72%
ROE B/S 16.84% 18.40% 18.25% 16.76% 14.09%
Profit (loss) to income ratio 23.19% 25.42% 28.03% 29.50% 21.19%
Efficiency
BOPO 71.50% 67.64% 64.35% 64.20% 74.30%
CER 39.29% 38.21% 38.32% 41.33% 44.39%
Solvability
Liability to Total Assets Ratio 84.49% 83.73% 83.72% 83.23% 81.79%
Liabilities to Equity Ratio 544.93% 514.75% 514.34% 496.34% 449.11%
Earning Assets
Earning Assets and Non-performing Non-Earning to Total Earning Assets and Non-Earning Assets 2.15% 1.91% 1.95% 1.72% 1.77%
Non-performing Earning Assets to Total Earning Assets 2.15% 1.91% 1.95% 1.72% 1.77%
Allowance for Impairment Losses on Financial Assets to Earning Assets 4.08% 4.48% 5.24% 6.11% 6.16%
Capital
Minimum Capital Adequacy Ratio 21.06% 24.41% 25.23% 23.30% 25.28%
Capital Adequacy Ratio Tier 1 19.93% 23.28% 24.06% 22.30% 24.27%
Compliance
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
The Minimum Statutory Reserve - Rupiah 5.03% 5.39% 8.05% 12.11% 4.47%
The Minimum Statutory Reserve - Foreign Currency 4.16% 4.69% 4.22% 4.24% 4.13%
Net Open Position 2.51% 2.42% 0.62% 0.85% 0.81%
Other Ratio
Cost To Income Ratio 38.92% 37.87% 37.74% 41.95% 43.26%

*) After reclassification and restatement.
**) Including mudharabah and musyarakah deposits.
***) Gold sales originating from PT Pegadaian have been recognized since the full consolidation of Pegadaian’s profit or loss in 2022.
****) Finance expenses from insurance contracts issued are presented as a separate line item in the 2025 financial statements.