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% |