3
Summary PL Information – First Quarter 2004
11.9 1.3
777 1.4
882 Gain from Increase in Value Sale of
Bonds
56.1 0.1
36 0.1
82 Non Operating Income
9.2 0.3
168 0.3
185 Other Operating Expenses
21.6 4.0
2,465 3.2
2,028 Net Income Before Tax
29.4 0.8
491 0.6
379 G A Expenses
33.9 0.9
558 0.7
417 Personnel Expenses
NA 0.4
243 2
Provisions, Net
12.6 2.9
1,744 2.4
1,549 Net Income After Tax
24.8 4.0
2,429 3.1
1,946 Profit from Operations
86.4 0.9
557 0.5
299 Other Operating Income
46.5 4.2
2,555 2.7
1,744 Net Interest Income
50.9 4.3
2,623 8.4
5,345 Interest Expense
27.0 8.5
5,178 11.1
7,089 Interest Income
of Av.Assets
Rp Billions of
Av.Assets Rp Billions
YoY Change Q1 2004
Q1 2003
of Average Assets on an annualized basis primarily premiums paid under the blanket guarantee scheme
4
1,165 87
29.8 22.0
138.5 8.4
44.6 4.6
33.7 34.0
3.9 23,299
172,018 239,383
107,317 76,652
Q1 2004
20.6 20,395
19,323 Total Equity
42.5 36.6
LDR
27.7 26.6
Total CAR
2
19.4 19.2
Tier 1 CAR
2
139.1 197.3
NPL Provisions NPLs 40.4
39.0 Cost to Income
1
23.6 36.7
RoE – after tax p.a. 2.8
3.2 RoA - before tax p.a.
20.6 1,020
966 Book ValueShare Rp
3
13.0 229
77 EPS Rp
3
8.6 6.6
Gross NPL Total Loans 3.4
3.0 NIM p.a.
8.2 178,811
187,438 Customer Deposits
7.8 249,436
259,567 Total Assets
29.7 122,907
152,728 Government Bonds
11.6 75,943
68,673 Gross Loans
YoY Change FY 2003
Q1 2003 IDR billion
Key Balance Sheet Items and Financial Ratios
1 GA and employee expenses Net Interest Income + Other Operating Income 2 Bank only
3 Based upon 20,000,000,000 shares outstanding
5 44.6
41.2 42.3 43.0 44.5
49.2 42.5
48.3 48.3 50.4 58.7
65.4 68.7 66.8
72.6 75.9 76.7
26.5 26.3
28.3 25.3
27.5 35.4
36.1 42.5
44.6
Q1 00 Q2 00 Q3 00 Q4 00 Q1 01 Q2 01 Q3 01 Q4 01 Q1 02 Q2 02 Q3 02 Q4 02 Q1 03 Q2 03 Q3 03 Q4 03 Q1 04
Loans Rp tn LDR
Consolidated Quarterly Data
Note: Includes IBRA loan purchases of Rp 5 tr
-7.7 2.6 1.7
10.6
-13.6 13.7
-0.1 13.114.7
5.0 -2.7
8.7 4.6
1.1 19.4
0.5 12.4
8.5 38.135.342.3
32.5 23.6
16.1 11.8
4.4 3.4
2.5 -0.3
QoQ Growth YoY Growth
6
42.7
22.9
1.4 41.8
