IKHTISAR KEUANGAN

*dalam Jutaan Rupiah

Pendapatan bunga dan pendapatan
syariah bersih
Pendapatan provisi dan komisi dan
pendapatan operasional lainnya bersih
Jumlah pendapatan operasional
Laba sebelum pajak penghasilan
Laba bersih
Jumlah laba bersih yang dapat
diatribusikan kepada:
a. Pemilik entitas induk
b. Kepentingan non pengendali
Jumlah laba komprehensif

2014

2013

2012

2011

2010

5.429.499

5.135.555

4.690.329

3.741.285

3.117.659

1.990.104

1.615.091

1.227.162

1.034.523

867.116

7.419.603
2.046.223
1.586.971

6.750.646
2.301.503
1.725.873

5.916.987
1.888.081
1.368.132

4.775.808
1.558.818
1.156.878

3.984.775
1.247.500
1.011.085

Total operating income

Income before tax
Net profit

1.586.972
(1)
1.647.115

1.725.873
1.631.118

1.368.133
(1)
1.371.268

1.156.876
2
1.187.716

1.003.675
7.410
1.011.935

Net income attributable to:

a. Equity holders of the parent entity
b. Non-controlling interest
Total comprehensive income

Jumlah laba komprehensif yang

dapat diatribusikan kepada:
a. Pemilik entitas induk
b. Kepentingan non pengendali
Laba bersih per saham dasar dan
dilusian yang dapat diatribusikan
kepada pemilik entitas induk (Rupiah
penuh)
Jumlah asset
Jumlah liabilitas
Ekuitas - bersih

Net interest income and sharia

income
Fees and commission income and
other operating income - net

Comprehensive income attributable

to:
1.647.116
(1)

134
185.349.861
168.255.325
17.094.536

1.631.118
-

162
165.833.922
151.707.278
14.126.644

1.371.269
(1)

150
131.798.595
119.303.061
12.495.534

1.187.714
(2)

128
101.324.002
92.187.794
9.136.208

1.004.525
7.410

a. Equity holders of the parent entity

b. Non-controlling interest

128
73.844.642
65.829.724
8.014.918

Basic and diluted earnings per share

attributable to equity holders of the
parent entity (whole Rupiah)
Total assets
Total liabilities
Equity - net

Rasio Keuangan
Kewajiban penyediaan modal
minimum (KPMM)
Aset produktif bermasalah dan aset
non-produktif bermasalah terhadap
total aset produktif dan aset nonproduktif
Aset produktif bermasalah terhadap
total aset produktif
Cadangan kerugian penurunan nilai
(CKPN) aset keuangan terhadap
asset produktif
NPL-bruto
NPL-neto
Imbal hasil aset (ROA)
Imbal hasil ekuitas (ROE)
Margin pendapatan bunga bersih
(NIM)
Biaya operasional terhadap
pendapatanm operasional (BOPO)
Loan to deposit ratio (LDR)

2014

2013
13.58%

2012

14.28%

2011
15.86%

2010
14.07%

Financial Ratios
14.05%

Capital adequacy ratio

1.05%

0.69%

0.93%

1.81%

2.35%

1.39%

0.91%

1.22%

1.77%

2.19%

Non-performing earning assets and

non-productive assets to total
earnings and nonproductive assets
Non-performing earning assets to
total productive assets

1.20%
1.70%
0.63%
1.16%
12.17%

0.98%
1.02%
0.31%
1.55%
15.68%

1.28%
1.37%
0.41%
1.70%
17.54%

1.67%
2.04%
0.55%
1.66%
15.87%

2.31%
2.65%
0.74%
1.98%
22.80%

Allowance for impairment of financial

assets to total productive assets
NPL-gross
NPL-net
Return on Assets (ROA)
Return on Equity (ROE)

3.63%

4.22%

5.03%

5.13%

5.34%

89.80%
89.13%

84.99%
89.24%

83.10%
89.52%

85.42%
83.06%

84.01%
87.46%

Net interest margin (NIM)

Operating expenses to
operating revenues (BOPO)
Loan to deposit ratio (LDR)