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Financial Highlight

BALANCE SHEET

In thousands IDR

31- Dec-22

Audited

31-Dec-21

Audited

31-Dec-20

Audited

31-Dec-19

Audited

31-Dec-18

Audited

Cash  6,637,634  4,764,067 3,061,109 3,170,655  3,293,592
Demand deposits in Bank Indonesia  127,072,728  76,591,775 67,073,322 108,364,185  67,111,096
Demand deposits in other banks  90,975,85  29,158,048 29,225,699 19,980,859  30,633,507
Placements with Bank Indonesia and other banks  1,233,113,666  1,778,833,791 1,619,714,916 1,132,047,698  244,944,510
Securities  719,974,646  677,624,499 557,475,834 101,434,381  88,654,865
Loans - net  2,109,582,152  2,242,889,248 1,624,103,817 1,891,376,468  1,286,156,939
Premises and equipment - net 10,626,785 12,150,489 14,212,337 14,358,373  11,580,407
Intangible assets - net 3,362,579  4,390,775 266,196 320,975  403,348
Deferred tax assets - net 79,317,220 31,023,803 26,130,953 40,951,330  16,289,207
Others assets 114,502,397 251,242,786 116,724,422 140,510,544  107,454,653
           
TOTAL ASSETS  4,505,045,609 5,203,044,896 4,057,988,610 3,452,515,471  1,856,522,124
           
Deposits - Third party funds 1,006,305,923 3,179,598,306 2,294,835,437 1,831,162,119  1,096,323,953
Deposits from other banks 259,202,503  839,695,777 632,844,488 457,836,332  17,100,000
Borrowings - - - -  214,428,571
Taxes payable 2,635,299 5,140,058 4,448,295 23,917,352  13,447,924
Accruals and other liabilities 47,003,840 98,500,177 48,007,464 53,208,688  24,453,722
Post-employment benefits obligation 13,698,634 13,526,342 10,822,149 7,982,933  4,865,841
           
Shares capital   2,025,377,511 1,029,267,500 1,029,267,500 1,029,267,500  500,000,000
Capital Deposit Funds 1,272,660,640 - - - -
Other comprehensive income 2,568,600 1,207,588 5,767,139 5,254,871  7,066,779
Retained earnings    -119,270,141 36,111,148 31,996,135 54,395,416  7,031,108
           
TOTAL LIABILITIES AND EQUITY 4,505,045,609 5,203,044,896 4,057,988,610 3,452,515,471  1,856,522,124
           

PROFIT AND LOSS

In thousands IDR

31- Dec-22

Audited

31-Dec-21

Audited

31-Dec-20

Audited

31-Dec-19

Audited

31-Dec-18

Audited

Interest revenues 774,702,803 702,233,509 652,085,587 651,966,836  306,949,126
Interest expenses 118,997,904 220,007,167 189,137,670 145,814,027  72,057,619
Net Interest Income 655,704,899 482,226,342 462,947,917 506,152,808  234,891,507
Other Operating Revenues 266,400,513 202,243,677 173,471,900 127,695,559  49,347,437
Total Operating Revenues      922,105,412 684,470,019 636,419,818 633,848,368 284,238,944
           
Provision for Impairment Losses      631,741,247 300,968,486 339,100,877 339,315,460  158,487,749
Personnel expenses 187,342,113 172,363,031 145,001,961 118,683,911  58,773,479
General and administrative expenses 304,649,200 204,095,935 123,035,404 91,221,027  42,819,228
           
Loss/Income from Operations -201,627,148 7,042,567 29,281,574 84,627,968  24,158,488
           
Non-Operating Income Expenses 983,044 6,228,024 3,175,659 3,121,106  1,898,225
           
Loss/Net Profit before Taxes -202,610,192 814,543 26,105,915 81,506,861  22,260,263
           
Bank Ratio

31- Dec-22

Audited

31-Dec-21

Audited

31-Dec-20

Audited

31-Dec-19

Audited

31-Dec-18

Audited

Return on assets -4.75% 0.02% 0.74% 2.99% 1.59%
Return on equity -8.40% 0.40% 0.81% 7.45% 3.45%
Net Interest Margin 15.87% 11.80% 13.52% 19.30% 18.02%
BOPO Biaya Operasi / Pendapatan Operasional  119.36% 99.76% 96.73% 89.44 93.69%
Capital Adequacy Ratio CAR 82.52% 29.85% 45.40% 55.64% 42.43%
Loan to Deposit Ratio LDR 220.31% 74.70% 74.32% 112.86% 132.46%
Liquidity Coverage Ratio LCR

2783.70%

1903.30% 663.18% 815.75% 587.71%
Net Stable Funding Ratio NSFR 157.20% 126.85% 127.40% 117.83% 136.81%