CANELO

Company Fundamentals - Segments
Company Name Bank Tabungan Negara (Persero) Tbk PT (BBTN.JK)

Country of Exchange Indonesia
Country of Headquarters Indonesia
TRBC Industry Group Banking Services
CF Template BNK
Consolidation Basis Consolidated
Scaling Thousands
Period Annual
Export Date 05-03-2024
Statement Data 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
Period End Date 31-12-2010 31-12-2011 31-12-2012 31-12-2013 31-12-2014 31-12-2015 31-12-2016 31-12-2017 31-12-2018 31-12-2019 31-12-2020 31-12-2021 31-12-2022
Auditor Name Purwantono, Purwantono, Purwantono, Purwantono, Purwantono, Purwantono, Purwantono, Purwantono, Purwantono, Purwantono, KAP Purwantono, KAP Purwantono, KAP Purwantono,
Suherman & Surja Suherman & Surja Suherman & Surja Suherman & Surja Suherman & Surja Suherman & Surja Suherman & Surja Suherman & Surja Suherman & Surja Suherman & Surja Sungkoro & Surja Sungkoro & Surja Sungkoro & Surja
Period End FX Rate 0.00011104941699 0.00011037527594 0.00010384215992 8.2236842105E-05 8.0775444265E-05 7.2542618789E-05 0.00007423904974 7.3719130114E-05 6.9565217391E-05 0.00007204610951 7.1225071225E-05 7.0175438596E-05 6.4246707356E-05
Avg. FX Rate 0.00011018060187 0.00011425796378 0.00010696750735 9.6399628161E-05 8.4379597068E-05 7.4832241577E-05 7.5213146703E-05 7.4738218878E-05 7.0374557429E-05 7.0758675621E-05 6.9040130863E-05 6.9985377189E-05 6.7430715277E-05
Segments - Business Line By Segment (Currency: US Dollar)

FCC Field Name TRBC 31-12-2010 31-12-2011 31-12-2012 31-12-2013 31-12-2014 31-12-2015 31-12-2016 31-12-2017 31-12-2018 31-12-2019 31-12-2020 31-12-2021 31-12-2022
RCSR Consolidated Segment Revenue - External & Intersegment 427,142 472,279 1,241,128 1,378,676 1,462,490 1,646,656 1,584,281 1,638,628
XTAX Income Taxes - Total 36,832 46,114 53,402 36,501 51,708 53,490 62,338
XIDI Interest & Dividend Income - Net - Finance 508,213
EIEB Interest Expense - Bank 676,783
RIIB Interest Income - Bank 1,566,631
XNIC Net Income - including Extraordinary Items 97,024 119,034 130,923 128,486 77,077 119,026 168,589 190,229
XIBL Net Interest Income before Loan Loss Provisions - Total 889,848
XTNI Non-Interest Income - Total 162,182
OPIL Operating Income/Loss 234,740
ELOP Provision for Loan Losses 11,386 13,663 58,526 53,762 45,000 63,909 89,621 219,325
XTOT Total Assets 12,744,868 16,599,161 19,852,988 18,290,230 10,910,890 11,594,897 14,719,356 17,727,476 19,503,798 20,761,756 23,803,448 23,861,721 23,404,090
XTLB Total Liabilities including Debt - Short-Term & Long-Term 10,074,300 10,702,575 13,467,377 15,186,025 18,086,645 19,329,353 22,792,749 22,826,365 21,761,858
RCSR Consolidated Segment Revenue - External & Intersegment 33,957 37,409 47,937 61,648 145,693 173,249 149,025 166,642
XTAX Income Taxes - Total 0 0 0 0
RIIB Interest Income - Bank 180,321
XNIC Net Income - including Extraordinary Items 3,894.4 8,782.1 14,976 22,105 17,056 19,481 28,387 36,038
XIBL Net Interest Income before Loan Loss Provisions - Total 121,430
XTNI Non-Interest Income - Total 5,316.6
ELOP Provision for Loan Losses 1,132.3 9,080.9 6,544.7 13,663 8,215.9 2,189.7 31,031 27,387
XTOT Total Assets 381,644 558,075 793,280 785,459 900,220 962,564 1,345,612 1,724,777 1,975,602 2,045,077 2,352,741 2,692,121 2,912,661
XTLB Total Liabilities including Debt - Short-Term & Long-Term 750,831 849,438 1,177,358 1,507,083 1,734,288 1,760,176 1,939,805 2,223,895 2,890,303
RCSR Consolidated Segment Revenue - External & Intersegment 0 0 0
XTAX Income Taxes - Total 0 0
EIEB Interest Expense - Bank 0
RIIB Interest Income - Bank 0
XNIC Net Income - including Extraordinary Items 0 0 0 0
XIBL Net Interest Income before Loan Loss Provisions - Total 0
XTNI Non-Interest Income - Total -14,104
OPIL Operating Income/Loss 0
ELOP Provision for Loan Losses 0 0
XTOT Total Assets -5,532,338 -7,320,430 -9,042,053 -8,288,704 -132,922 -94,089 -165,304 -184,633 -162,099 -344,526 -429,095 -456,460 -480,047
XTLB Total Liabilities including Debt - Short-Term & Long-Term -132,922 -94,089 -165,304 -184,633 -162,099 -344,526 -429,095 -456,460 -480,047
XIBL Net Interest Income before Loan Loss Provisions - Total 1,011,278
Company Fundamentals - Segments
CF Template BNK
Scaling Thousands
Period Annual
Statement Data 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
Period End Date 31-12-2010 31-12-2011 31-12-2012 31-12-2013 31-12-2014 31-12-2015 31-12-2016 31-12-2017 31-12-2018 31-12-2019 31-12-2020 31-12-2021 31-12-2022
Auditor Name Purwantono, Purwantono, Purwantono, Purwantono, Purwantono, Purwantono, Purwantono, Purwantono, Purwantono, Purwantono, KAP Purwantono, KAP Purwantono, KAP Purwantono,
Suherman & Surja Suherman & Surja Suherman & Surja Suherman & Surja Suherman & Surja Suherman & Surja Suherman & Surja Suherman & Surja Suherman & Surja Suherman & Surja Sungkoro & Surja Sungkoro & Surja Sungkoro & Surja
Segments - Business Line By Statement Item (Currency: US Dollar)

FCC Field Name TRBC 31-12-2010 31-12-2011 31-12-2012 31-12-2013 31-12-2014 31-12-2015 31-12-2016 31-12-2017 31-12-2018 31-12-2019 31-12-2020 31-12-2021 31-12-2022
Conventional Banking Services 522110 11,386 13,663 58,526 53,762 45,000 63,909 89,621 219,325
Elimination 0 0
Syariah 522110 1,132.3 9,080.9 6,544.7 13,663 8,215.9 2,189.7 31,031 27,387
Conventional Banking Services 522110 36,832 46,114 53,402 36,501 51,708 53,490 62,338
Elimination 0 0
Syariah 522110 0 0 0 0
Conventional Banking Services 522110 12,744,868 16,599,161 19,852,988 18,290,230 10,910,890 11,594,897 14,719,356 17,727,476 19,503,798 20,761,756 23,803,448 23,861,721 23,404,090
Elimination -5,532,338 -7,320,430 -9,042,053 -8,288,704 -132,922 -94,089 -165,304 -184,633 -162,099 -344,526 -429,095 -456,460 -480,047
Syariah 522110 381,644 558,075 793,280 785,459 900,220 962,564 1,345,612 1,724,777 1,975,602 2,045,077 2,352,741 2,692,121 2,912,661
Conventional Banking Services 522110 97,024 119,034 130,923 128,486 77,077 119,026 168,589 190,229
Elimination 0 0 0 0
Syariah 522110 3,894.4 8,782.1 14,976 22,105 17,056 19,481 28,387 36,038
Conventional Banking Services 522110 508,213
Syariah 522110 36,765
Conventional Banking Services 522110 427,142 472,279 1,241,128 1,378,676 1,462,490 1,646,656 1,584,281 1,638,628
Elimination 0 0 0
Syariah 522110 33,957 37,409 47,937 61,648 145,693 173,249 149,025 166,642
Conventional Banking Services 522110 10,074,300 10,702,575 13,467,377 15,186,025 18,086,645 19,329,353 22,792,749 22,826,365 21,761,858
Elimination -132,922 -94,089 -165,304 -184,633 -162,099 -344,526 -429,095 -456,460 -480,047
Syariah 522110 750,831 849,438 1,177,358 1,507,083 1,734,288 1,760,176 1,939,805 2,223,895 2,890,303
XIBL Net Interest Income before Loan Loss Provisions - Total 1,011,278
Elimination 0
Syariah 522110 121,430
Elimination -14,104
Syariah 522110 5,316.6
Conventional Banking Services 522110 1,566,631
Elimination 0
Syariah 522110 180,321
Elimination 0
Syariah 522110 58,891
Elimination 0
Syariah 522110 22,495
Company Fundamentals - Income Statement
CF Template BNK
Scaling Thousands
Period Annual
Statement Data 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
Period End Date 31-12-2010 31-12-2011 31-12-2012 31-12-2013 31-12-2014 31-12-2015 31-12-2016 31-12-2017 31-12-2018 31-12-2019 31-12-2020 31-12-2021 31-12-2022
Standardized Currency IDR IDR IDR IDR IDR IDR IDR IDR IDR IDR IDR IDR IDR
Purwantono, Purwantono, Purwantono, Purwantono, Purwantono, Purwantono, Purwantono, Purwantono, Purwantono, Purwantono, KAP Purwantono, KAP Purwantono, KAP Purwantono,
Auditor Name Suherman & Surja Suherman & Surja Suherman & Surja Suherman & Surja Suherman & Surja Suherman & Surja Suherman & Surja Suherman & Surja Suherman & Surja Suherman & Surja Sungkoro & Surja Sungkoro & Surja Sungkoro & Surja
Income Statement - Standardized (Currency: US Dollar)
FCC Field Name 31-12-2010 31-12-2011 31-12-2012 31-12-2013 31-12-2014 31-12-2015 31-12-2016 31-12-2017 31-12-2018 31-12-2019 31-12-2020 31-12-2021 31-12-2022
Revenues
SIDI Interest & Dividend Income/(Expense) - Net - Finance 369,636 432,566 505,616 544,978 461,099 509,688 614,006 698,125 710,021 634,125 616,152 909,201 1,007,569
SIDT Interest & Dividend Income - Finance - Total 716,036 863,345 943,301 1,039,465 1,080,677 1,119,955 1,289,065 1,440,324 1,608,182 1,819,904 1,734,046 1,805,270 1,743,243
SIIL Interest Income - Loans/Deposits 641,459 787,545 870,218 949,151 971,174 1,025,385 1,177,650 1,318,424 1,417,051 1,597,483 1,493,872 1,496,340 1,438,512
SIFL Interest & Fees on Loans & Receivables 639,606 769,540 845,146 925,923 957,896 1,011,977 1,162,672 1,299,818 1,397,676 1,575,075 1,458,282 1,442,758 1,413,068
SIDF Interest Income - Deposits to Other Financial Institutions 1,853.1 18,005 24,785 23,228 13,276 13,354 14,978 18,606 19,375 22,128 20,743 32,479 19,605
SILR Interest Income - Collateralized Financing 0 286.6 3.12 54.25 0 279.6 14,847 21,103 5,839.6
SDIS Interest & Dividend Income - Investment Securities - Finance 52,167 50,459 37,008 52,710 74,674 56,325 63,477 60,253 45,438 49,173 90,231 140,962 124,019
Interest & Dividend Income - Investment Securities Available for Sale/Held to
SIDS Maturity - Finance 52,167 50,459 37,008 52,710 74,674 56,325 63,477 60,253 45,438 49,173 90,231 140,962 124,019
SIOD Interest & Dividend Income - Other - Finance 22,411 25,341 36,076 37,605 34,829 38,245 47,937 61,648 145,693 173,249 149,942 167,968 180,713
SIET Interest Expense - Finance - Total 346,401 430,779 437,685 494,487 619,578 610,267 675,059 742,199 898,161 1,185,779 1,117,893 896,069 735,675
SEOF Interest Expense - Operational Financing - Business 283,663 349,248 325,819 374,502 511,384 492,513 531,592 566,037 703,869 943,263 843,106 656,582 552,766
SDPI Interest Expense - Deposits 255,509 315,567 307,597 357,958 490,498 469,814 512,680 549,766 687,278 925,849 829,719 641,809 536,973
SELR Interest Expense - Collateralized Financing 27,221 32,455 17,028 15,160 16,919 16,596 11,044 6,889.4 6,649.8 5,147.9 1,724.4 92.52 462.0
SEOI Interest Expenses - Other - Total 933.0 1,225.1 1,193.4 1,385.0 3,967.0 6,102.5 7,867.2 9,381.6 9,941.3 12,266 11,663 14,680 15,331
SIED Interest Expense - External Financing Business 62,738 81,531 111,867 119,985 108,194 117,754 143,467 176,161 194,292 242,516 274,787 239,487 182,908
SNIB Non-Interest Business Revenue/(Expense) - Net - Total 39,629 42,300 40,781 28,710 49,330 52,424 65,715 86,317 92,070 104,587 105,685 111,574 38,784
SNCF Net Commission & Fees Income/(Expense) - Business Revenue 26,974 37,344 38,004 37,871 39,570 39,937 44,469 56,081 57,696 58,911 52,522 59,694 65,100
SCFI Fees & Commissions Income 26,974 37,344 38,004 37,871 39,570 39,937 44,469 56,081 57,696 58,911 52,522 59,694 65,100
SNFE Net Foreign Exchange Income/(Expense) - Business Revenue 0
SGIL Investments & Loans - Business - Gain/(Loss) 12,655 4,955.3 2,776.9 -9,161.5 9,760.4 12,487 21,246 30,236 34,375 45,677 53,162 51,880 -26,316
SGLS Investment Securities - Business - Gain/(Loss) 12,655 4,955.3 2,776.9 -9,161.5 9,760.4 12,487 21,246 30,236 34,375 45,677 53,162 51,880 -30,025
SGLI Investments Securities - Available for Sale/Held to Maturity - Realized Gain/(Loss) 12,174 4,589.5 1,801.2 3,045.2 9,206.0 12,501 20,497 29,628 31,397 44,075 45,878 62,666 -33,737
SGTI Trading Investments/Trading Account Income - Gain/(Loss) 480.4 365.7 975.7 -12,207 554.4 -14.44 748.4 608.7 2,977.9 1,601.9 7,284.0 -10,786 3,711.7
SRTI Trading Investments - Realized Gain/(Loss) 0 53.59
SUTI Trading Investments - Unrealized Gain/(Loss) 480.4 365.7 922.1 -12,207 554.4 -14.44 748.4 608.7 2,977.9 1,601.9 7,284.0 -10,786 3,711.7
SGHD Derivatives - Hedging - Business - Gain/(Loss) 3,709.0
SRGD Derivatives - Hedging - Business - Realized Gain/(Loss) 3,709.0
STLR Revenue from Business Activities - Total 409,265 474,866 546,397 573,688 510,429 562,112 679,721 784,443 802,092 738,713 721,837 1,020,775 1,046,352
Operating Expenses
SLLP Provision & Impairment for Loan Losses 25,281 4,011.4 11,344 23,026 49,613 50,925 39,613 55,620 111,064 238,178 135,630 229,455 243,255
SSGA Selling, General & Administrative Expenses - Total 222,865 286,391 315,522 327,490 311,115 305,361 345,030 411,609 429,420 445,000 420,556 499,820 535,692
SSGU Selling, General & Administrative Expenses - Unclassified 97,647 135,387 156,467 117,311 88,671 89,054 106,910 127,549 129,142 145,815 148,091 163,427 184,523
Labor & Related Expenses including Stock-Based Compensation in Selling, General &
SLAS Administrative Expenses 125,218 151,003 159,054 155,507 131,991 144,377 159,576 190,913 202,437 202,650 205,547 264,749 282,555
SDES Depreciation in Selling, General & Administrative Expenses 26,938 19,048 14,694 16,502 16,128 18,571 22,235 36,506 38,914 42,418
SSGO Selling, General & Administrative Expenses - Other - Total 27,733 71,404 57,236 62,042 77,019 79,270 74,300 30,412 32,729 26,195
SADE Advertising Expense 42,910 31,182 30,196 39,120 42,037 32,216
SRXP Rental Expense 27,733 28,494 26,054 31,845 37,899 37,232 42,085 30,412 32,729 26,195
SOIE Other Operating Expense/(Income) - Net 21,637 10,135 19,398 17,271 16,913 16,058 42,764 26,170 8,326.9 18,105 3,495.6 75,896 7,091.5
SOOI Other Operating Income - Total 5,461.7 14,270 8,950.7 13,115 10,347 14,577 17,350 23,263 44,505 36,679 48,901 32,638 55,480
SOOE Other Operating Expense 27,074 24,404 28,349 30,386 27,259 30,635 60,114 49,433 52,825 54,784 52,396 108,522 62,736
SOPV Operating Provisions - Increase/(Decrease) 268.6 6.76 0 0 12.32 -164.0
SSPO Supplementary Adjustments - Operating - Decrease/(Increase) 244.5
SOET Operating Expenses - Total 269,783 300,537 346,264 367,787 377,641 372,345 427,406 493,399 548,810 701,283 559,682 805,171 786,038
Operating Profit
SOPR Operating Profit before Non-Recurring Income/Expense 139,482 174,329 200,133 205,901 132,789 189,767 252,315 291,043 253,282 37,430 162,155 215,604 260,315
Non-Operating Expenses
SNEI Other Non-Operating Income/(Expense) - Total -1,486.9 -398.7 -830.8 468.7 165.4 619.7 -1,665.8 -2,268.2 1,159.4 -7,833.8 -4,102.9 -3,045.2 4,105.7
SRNI Non-Operating Rental Income 24.39 15.86 12.41 18.91 11.05 8.99 7.25 17.57 13.49
SNPX Normalized Pre-tax Profit 137,995 173,930 199,302 206,370 132,954 190,386 250,649 288,775 254,441 29,596 158,052 212,559 264,420
Non-Recurring Income/Expense
SGLN Non-Recurring Income/(Expense) - Total 308.8 -171.3 -183.0 -169.5 -369.5 -509.8 -1,272.2 -3,070.3 -3,079.7
SITI Impairment - Tangible & Intangible Fixed Assets -363.2 -23.20 -0.53 -1.12
SIFO Impairment - Fixed Assets -363.2 -23.20 -0.53 -1.12
SIVO Impairment - Financial Investments 54.34 194.5 183.5 36.02 369.5 509.8 1,272.2 3,070.3 -1,298.7
SFVI Fair Value Adjustments - Financial Investments -134.6 0 -4,378.3
Pre-Tax Income
SIBT Income before Taxes 137,750 173,930 199,302 206,370 133,263 190,215 250,466 288,606 254,072 29,086 156,780 209,489 261,341
Taxes
STAX Income Taxes 36,832 46,114 53,402 55,778 36,600 51,708 53,490 62,338 56,465 14,279 46,153 43,187 56,009
SCTX Income Taxes for the Year - Current 41,246 44,885 42,009 36,432 58,630 63,087 69,783 61,900 41,626 45,609 58,048 68,732
SDTR Income Taxes - Deferred -4,414.5 1,229.8 11,393 167.8 -6,922.3 -9,597.0 -7,444.8 -5,434.8 -27,347 544.2 -14,861 -12,723
SPRX Provision for Income Tax Expense- Unclassified 55,778 -0.07
Net Income After Tax
SIAT Net Income after Tax 100,919 127,816 145,900 150,592 96,663 138,508 196,976 226,267 197,606 14,807 110,627 166,301 205,331
After Tax Income/Expense
SICO Income before Discontinued Operations & Extraordinary Items 100,919 127,816 145,900 150,592 96,663 138,508 196,976 226,267 197,606 14,807 110,627 166,301 205,331
SIBM Net Income before Minority Interest 100,919 127,816 145,900 150,592 96,663 138,508 196,976 226,267 197,606 14,807 110,627 166,301 205,331
Net Income
SNIC Net Income after Minority Interest 100,919 127,816 145,900 150,592 96,663 138,508 196,976 226,267 197,606 14,807 110,627 166,301 205,331
SOAJ Earnings Adjustments to Net Income - Other Expense/(Income) 0
SNIS Income Available to Common Shares 100,919 127,816 145,900 150,592 96,663 138,508 196,976 226,267 197,606 14,807 110,627 166,301 205,331
Other Comprehensive Income
SOCS Other Comprehensive Income - Starting Line 226,267 197,606 14,807 110,627 166,301 205,331
SCGL Other Comprehensive Income - Unrealized Investment Gain/(Loss) 9,349.8 -8,040.3 10,516 92,685 -88,155 -106,336
SCHN Other Comprehensive Income - Hedging Gain/(Loss) -85.54 -1,311.8 -2,756.8
SCRN Other Comprehensive Income - Revaluation of Tangible & Intangible Assets 0 24,129 13,525
SCPP Other Comprehensive Income - Pension Related -6,438.6 5,655.5 -9,401.6 -27,444 5,249.3 4,037.2
SITC Other Comprehensive Income - Income Tax -727.8 596.1 -613.8 -13,351 17,212 19,965
SCOP Other Comprehensive Income - Net of Tax - Total 2,183.3 -1,788.6 24,629 51,804 -67,006 -71,565
SCIB Comprehensive Income before Minority Interest - Total 228,451 195,818 39,436 162,431 99,295 133,766
SCIE Comprehensive Income - Attributable to Parent Company Equity Holders - Total 228,451 195,818 39,436 162,431 99,295 133,766
Share/Per Share - Basic
BINCC Net Income - Basic - including Extraordinary Items Applicable to Common - Total 100,919 127,816 145,900 150,592 96,663 138,508 196,976 226,267 197,606 14,807 110,627 166,301 205,331
SNCN Income available to Common excluding Extraordinary Items 100,919 127,816 145,900 150,592 96,663 138,508 196,976 226,267 197,606 14,807 110,627 166,301 205,331
SBASC Shares used to calculate Basic EPS - Total 9,430,504 9,816,067 9,578,381 10,923,447 10,958,537 10,965,858 10,981,981 10,983,312 10,983,312 10,983,312 10,983,312 10,983,312 10,983,312
SBAIC EPS - Basic - including Extraordinary Items Applicable to Common - Total 0.01 0.01 0.02 0.01 0.01 0.01 0.02 0.02 0.02 0 0.01 0.02 0.02
SBCOC EPS - Basic - excluding Extraordinary Items Applicable to Common - Total 0.01 0.01 0.02 0.01 0.01 0.01 0.02 0.02 0.02 0 0.01 0.02 0.02
SBESC EPS - Basic - excluding Extraordinary Items - Normalized - Total 0.01 0.01 0.02 0.01 0.01 0.01 0.02 0.02 0.02 0 0.01 0.02 0.02
BINCI Allocated Net Income including Extraordinary Items Applicable to Common - Issue Specific 150,592 96,663 138,508 196,976 226,267 197,606 14,807 110,627 166,301 205,331
BEAFI Earnings Allocation Factor - Basic - Issue Specific 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00
SBASI Shares used to calculate Basic EPS - Issue Specific 10,923,447 10,958,537 10,965,858 10,981,981 10,983,312 10,983,312 10,983,312 10,983,312 10,983,312 10,983,312
SBAII EPS - Basic - including Extraordinary Items Applicable to Common - Issue Specific 0.01 0.01 0.02 0.01 0.01 0.01 0.02 0.02 0.02 0 0.01 0.02 0.02
SBCOI EPS - Basic - excluding Extraordinary Items Applicable to Common - Issue Specific 0.01 0.01 0.02 0.01 0.01 0.01 0.02 0.02 0.02 0 0.01 0.02 0.02
SBESI EPS - Basic - excluding Extraordinary Items - Normalized - Issue Specific 0.01 0.01 0.02 0.01 0.01 0.01 0.02 0.02 0.02 0 0.01 0.02 0.02
SEPSXB EPS - Basic from Discontinued Operations & Extraordinary Items 0 0 0 0 0 0 0 0 0 0 0 0 0
SCBEI Comprehensive Earnings Per Share - Basic - Issue Specific 0.02 0.02 0 0.01 0.01 0.01
Share/Per Share - Diluted
SCDAJ Dilution Adjustment 0
DINCC Net Income - Diluted - including Extraordinary Items Applicable to Common - Total 100,919 127,816 145,900 150,592 96,663 138,508 196,976 226,267 197,606 14,807 110,627 166,301 205,331
SNCND Diluted Income available to Common excluding Extraordinary Items 100,919 127,816 145,900 150,592 96,663 138,508 196,976 226,267 197,606 14,807 110,627 166,301 205,331
SDWSC Shares used to calculate Diluted EPS - Total 9,430,504 9,855,699 9,606,565 10,927,793 10,959,007 10,966,146 10,982,440 10,983,312 10,983,312 10,983,312 10,983,312 10,983,312 11,304,826
SDAIC EPS - Diluted - including Extraordinary Items Applicable to Common - Total 0.01 0.01 0.02 0.01 0.01 0.01 0.02 0.02 0.02 0 0.01 0.02 0.02
SDCOC EPS - Diluted - excluding Extraordinary Items Applicable to Common - Total 0.01 0.01 0.02 0.01 0.01 0.01 0.02 0.02 0.02 0 0.01 0.02 0.02
SDESC EPS - Diluted - excluding Extraordinary Items - Normalized - Total 0.01 0.01 0.02 0.01 0.01 0.01 0.02 0.02 0.02 0 0.01 0.02 0.02
Allocated Diluted Net Income including Extraordinary Items Applicable to Common - Issue
DINNCI Specific 150,592 96,663 138,508 196,976 226,267 197,606 14,807 110,627 166,301 205,331
DEAFI Earnings Allocation Factor - Diluted - Issue Specific 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00
SDWSI Shares used to calculate Diluted EPS - Issue Specific 10,927,793 10,959,007 10,966,146 10,982,440 10,983,312 10,983,312 10,983,312 10,983,312 10,983,312 11,304,826
SDAII EPS - Diluted - including Extraordinary Items Applicable to Common - Issue Specific 0.01 0.01 0.02 0.01 0.01 0.01 0.02 0.02 0.02 0 0.01 0.02 0.02
SDCOI EPS - Diluted - excluding Extraordinary Items Applicable to Common - Issue Specific 0.01 0.01 0.02 0.01 0.01 0.01 0.02 0.02 0.02 0 0.01 0.02 0.02
SDESI EPS - Diluted - excluding Extraordinary Items - Normalized - Issue Specific 0.01 0.01 0.02 0.01 0.01 0.01 0.02 0.02 0.02 0 0.01 0.02 0.02
SEPSXD EPS - Diluted from Discontinued Operations & Extraordinary Items 0 0 0 0 0 0 0 0 0 0 0 0 0
SCDEI Comprehensive Earnings Per Share - Diluted - Issue Specific 0.02 0.02 0 0.01 0.01 0.01
Share/Per Share - Dividends
SDPSGI DPS - Common - Gross - Issue - By Announcement Date 0 0 0 0 0 0 0 0 0 0 0 0 0
SDPSNI DPS - Common - Net - Issue - By Announcement Date 0 0 0 0 0 0 0 0 0 0 0 0 0
EBIT/EBITDA & related
SEBIT Earnings before Interest & Taxes (EBIT) 139,482 174,329 200,133 205,901 132,789 189,767 252,315 291,043 253,282 37,430 162,155 215,604 260,315
SEBITDA Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) 154,054 198,533 228,653 232,839 151,837 204,461 268,817 307,171 271,852 59,664 198,662 254,518 302,733
Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) and Operating Lease
SEBITDAL Payments 169,950 220,605 253,938 260,573 180,331 230,515 300,662 345,070 309,085 101,749 229,074 287,247 328,928
Depreciation/Amortization - Income Statement
SDEA Depreciation & Amortization - Supplemental 14,572 24,204 28,520 26,938 19,048 14,694 16,502 16,128 18,571 22,235 36,506 38,914 42,418
SDPR Depreciation Expense - Total - Supplemental 14,572 24,204 28,520 26,938 19,048 14,694 16,502 16,128 18,571 22,235 36,506 38,914 42,418
SDLR Depreciation - Fin Lease Right-of-Use Assets - Total - Suppl 12,457 11,697 13,656
Depreciation/Amortization - Total
STDAE Depreciation, Depletion & Amortization - Total 14,572 24,204 28,520 26,938 19,048 14,694 16,502 16,128 18,571 22,235 36,506 38,914 42,418
STDEP Depreciation - Total 14,572 24,204 28,520 26,938 19,048 14,694 16,502 16,128 18,571 22,235 36,506 38,914 42,418
Islamic
SIFI Income from Islamic Financing & Investing 18,997 25,341 36,076 37,605 34,829 38,245 47,937 61,648 145,693 173,249 149,764 166,642 180,321
Labor & Related Expenses
SLAR Labor & Related Expenses - Total 125,218 151,003 159,054 155,507 131,991 144,377 159,576 190,913 202,437 202,650 205,547 264,749 282,555
SVLAR Labor & Related Expenses - Supplemental 125,218 151,003 159,054 155,507 131,991 144,377 159,576 190,913 202,437 202,650 205,547 264,749 282,555
Auditor Fees
SAFT Auditor Fees 151.4 159.4
SARF Audit-Related Fees 151.4 159.4
Non-GAAP
Normalized
SNAT Normalized after Tax Profit 100,919 127,816 145,900 150,592 96,354 138,679 197,159 226,437 197,976 15,317 111,899 169,371 208,411
SNCO Normalized Net Income from Continuing Operations 100,919 127,816 145,900 150,592 96,354 138,679 197,159 226,437 197,976 15,317 111,899 169,371 208,411
SIBL Normalized Net Income - Bottom Line 100,919 127,816 145,900 150,592 96,354 138,679 197,159 226,437 197,976 15,317 111,899 169,371 208,411
SNEBIT Earnings before Interest & Taxes (EBIT) - Normalized 137,995 173,930 199,302 206,370 132,954 190,386 250,649 288,775 254,441 29,596 158,052 212,559 264,420
SNEBITDA Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) - Normalized 152,567 198,135 227,822 233,308 152,002 205,080 267,151 304,903 273,012 51,831 194,559 251,473 306,838
Loan Losses
SNLL Loan Losses - Net 8,468.7 28,370 31,304 48,116 48,094 53,971 46,808 200,765 154,632 188,829
SARC Loan Recoveries - Actual 18,664 1,248.4 1,218.0 1,465.8 1,634.7 1,427.8 2,872.7 3,215.9 4,033.0 4,835.9
SALL Loan Losses - Actual 27,132 29,618 32,522 49,582 49,728 55,399 49,680 203,980 158,665 193,665
Lease Expenses
Other
SROL Rental/Operating Lease Expense 15,896 22,072 25,285 27,733 28,494 26,054 31,845 37,899 37,232 42,085 30,412 32,729 26,195
SADV Advertising Expenses - Supplemental 17,218 22,504 29,412 42,910 31,182 30,196 39,120 42,037 32,216
SIAL Interest & Dividend Income after Loan Loss Provision - Net - Finance 344,355 428,555 494,272 521,952 411,486 458,763 574,393 642,505 598,958 395,947 480,522 679,746 764,314
SNRL Revenue after Loan Provisions - Net - Finance 690,755 859,334 931,957 1,016,439 1,031,064 1,069,030 1,249,452 1,384,704 1,497,119 1,581,726 1,598,415 1,575,814 1,499,989
SFEGL Foreign Exchange Gain/(Loss) 0
SINTEX Interest Expense 346,401 430,779 437,685 494,487 619,578 610,267 675,059 742,199 898,161 1,185,779 1,117,893 896,069 735,675
SINVG Investment Gain/(Loss) 12,655 4,955.3 2,776.9 -9,161.5 9,760.4 12,487 21,246 30,236 34,375 45,677 53,162 51,880 -26,316
SNIE Non-Interest Expense - Bank 246,234 296,924 335,751 344,292 327,553 320,971 389,642 440,217 436,956 471,448 429,426 581,831 541,757
SOPEX Operating Expenses 269,783 300,537 346,264 367,787 377,641 372,345 427,406 493,399 548,810 701,283 559,682 805,171 786,038
SGAXRD Selling, General & Administrative Expenses excluding Research & Development Expenses 222,865 286,391 315,522 327,490 311,115 305,361 345,030 411,609 429,420 445,000 420,556 499,820 535,692
Company Fundamentals - Balance Sheet
CF Template BNK
Scaling Thousands
Period Annual
Statement Data 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
Period End Date 31-12-2010 31-12-2011 31-12-2012 31-12-2013 31-12-2014 31-12-2015 31-12-2016 31-12-2017 31-12-2018 31-12-2019 31-12-2020 31-12-2021 31-12-2022
Purwantono, Purwantono, Purwantono, Purwantono, Purwantono, Purwantono, Purwantono, Purwantono, Purwantono, Purwantono, KAP Purwantono, KAP Purwantono,
Auditor Name Suherman & Surja Suherman & Surja Suherman & Surja Suherman & Surja Suherman & Surja Suherman & Surja Suherman & Surja Suherman & Surja Suherman & Surja Suherman & Surja Sungkoro & Surja Sungkoro & Surja
Avg. FX Rate
Balance Sheet - Standardized (Currency: US Dollar)
FCC Field Name 31-12-2010 31-12-2011 31-12-2012 31-12-2013 31-12-2014 31-12-2015 31-12-2016 31-12-2017 31-12-2018 31-12-2019 31-12-2020 31-12-2021 31-12-2022
Assets
SCDK Cash & Short-Term Deposits Due from Banks - Total 498,492 637,287 829,987 886,777 831,340 882,667 2,174,101 2,379,261 1,159,059 1,216,246 892,956 858,390 1,739,703
SCDB Cash & Short-Term Deposits Due from Banks 40,285 56,556 72,164 76,024 74,352 85,689 74,735 75,750 86,512 98,643 101,811 108,040 106,748
SFCB Funds with Central Banks 458,207 580,730 757,823 810,753 756,988 796,979 2,099,366 2,303,511 1,072,547 1,117,603 791,145 750,350 1,632,955
SDBN Lending & Long-Term Deposits Due from Banks 280,200 1,102,187 1,207,507 430,879 209,196 583,303 1,329,096 483,691 1,951,430 853,391 1,641,435 2,034,817 928,138
SLDO Inter-Bank Loans & Long-Term Deposits with Other Banks 280,200 1,102,187 1,207,507 430,879 209,196 583,303 1,329,096 483,691 1,951,430 853,391 1,641,435 2,034,817 928,138
SASB Collateralized Agreements, Reverse REPOs & Securities Borrowed - Assets 135,102 68,017 112,163 92,142
SPFS Securities Purchased under REPOs & Federal Funds Sold 135,102 68,017 112,163 92,142
SRPO Securities Purchased under REPOs 135,102 68,017 112,163 92,142
STDH Derivative Financial Instruments - Hedging - Total 5,013.3 2,176.6 6,677.7
SLRE Loans & Receivables - Total 5,691,204 6,991,002 8,442,579 8,244,564 9,377,610 10,090,489 12,281,564 14,756,545 16,630,277 18,288,197 18,115,722 18,979,887 18,914,046
SNBL Banking Related Loans - Net 5,626,742 6,911,654 8,352,030 8,168,603 9,236,318 9,931,464 12,051,251 14,495,731 16,347,798 17,990,561 17,596,383 18,273,651 18,156,555
SLTG Loans - Gross 5,724,542 7,015,859 8,453,869 8,262,121 9,363,150 10,080,218 12,208,343 14,669,413 16,577,234 18,431,207 18,526,650 19,286,687 19,163,617
SLCI Loans - Consumer & Installment 4,717,157 5,504,200 53,513 58,432 66,228 61,684 54,315 143,896 77,144 115,367 73,816
SCIL Loans - Commercial & Industrial 691,274 1,045,221 7,830,810 7,597,558 279,482 215,075 176,816 167,414 201,812 531,182 506,749 548,979 740,966
SBLO Loans - to Customers - Other - Gross 316,111 466,438 623,059 664,563 1,073,351 1,029,443 1,299,056 1,610,475 1,995,782 2,076,674 2,174,245 2,379,715 2,518,481
SREL Loans - Mortgage/Real Estate 7,956,804 8,777,268 10,666,242 12,829,840 14,325,325 15,679,455 15,768,513 16,242,626 15,830,354
SRLL Reserves for Loan Losses 97,800 104,205 101,839 93,518 126,832 148,754 157,092 173,681 229,435 440,646 930,267 1,013,036 1,007,062
SIRC Interest Receivables - Bank 64,462 79,348 90,549 75,961 95,597 112,331 138,443 169,292 205,890 231,324 447,690 643,757 690,672
SORT Receivables - Other 45,695 46,694 91,870 91,522 76,589 66,312 71,648 62,479 66,820
STIV Investments - Total 901,902 865,427 880,865 1,035,086 1,104,607 733,845 1,001,702 1,177,117 1,065,684 1,384,428 4,242,828 3,395,705 3,454,117
STIS Investment Securities - Available for Sale, Held to Maturity & Held for Trading - Total 901,902 865,427 880,865 1,035,086 1,104,607 728,217 995,942 1,171,397 1,060,287 1,378,838 4,237,302 3,390,260 3,449,132
SAFS Investment Securities Available for Sale & Held to Maturity 902,215 865,980 770,839 806,087 1,045,567 727,690 872,359 777,679 579,971 990,205 4,127,858 3,342,053 3,398,285
SSFS Investment Securities - Available for Sale - Total 691,364 709,077 599,448 644,528 876,240 476,774 624,788 514,081 376,755 632,354 102,207 75,084 42,100
SGOH Government Securities - Available for Sale/Held to Maturity 798,808 784,417 770,839 632,254 617,636 595,694 602,306 566,608 460,213 707,593 4,009,099 3,233,705 3,338,578
SOFV Investment Securities - Designated at Fair Value - Other 0 4,750.6 229,719 59,800 1,397.7 124,655 394,819 481,719 390,605 109,586 48,347 51,001
SSCO Investment Securities - Other -313.2 -553.4 105,275 -720.2 -759.5 -870.6 -1,072.1 -1,100.1 -1,403.3 -1,972.5 -142.5 -140.4 -154.1
SVPT Investment Property 5,628.7 5,760.3 5,719.9 5,397.6 5,590.1 5,526.4 5,445.0 4,985.0
SPPE Property, Plant & Equipment - Net - Total 161,115 165,282 164,363 125,224 120,225 112,688 345,908 356,603 349,057 389,096 414,419 402,582 408,211
SPPC Property, Plant & Equipment - Gross - Total 225,898 251,453 272,746 233,039 242,398 234,841 486,810 511,680 515,584 584,156 644,814 664,467 681,005
SDPP Property, Plant & Equipment - Accumulated Depreciation & Impairment - Total 64,784 86,171 108,383 107,815 122,173 122,154 140,902 155,077 166,527 195,060 230,394 261,885 272,794
SOAT Other Assets - Total 61,262 75,621 78,915 64,455 35,726 60,380 72,515 114,403 161,793 195,847 346,704 310,301 293,670
STDF Deferred Charges 6,861.1 16,659 12,964 12,128 20,814 35,468 38,062 29,525
SDTT Deferred Tax - Asset - Long-Term & Short-Term 4,312.7 6,422.5 0 7,631.1 12,868 18,104 45,325 140,484 170,573 187,307
SPPT Prepaid Expenses - Total 32,109 48,444 41,322 79,114 79,301 86,881 56,216 54,060 32,467
SOAO Other Assets 56,949 69,198 78,915 64,455 3,616.7 5,074.6 6,903.7 9,456.8 52,259 42,827 114,536 47,606 44,372
Total Assets
ATOT Total Assets 7,594,174 9,836,806 11,604,215 10,786,984 11,678,704 12,463,373 15,899,664 19,267,620 21,317,300 22,462,307 25,727,094 26,096,022 25,836,705
Liabilities
STDP Deposits - Total 5,341,956 6,927,482 8,450,123 7,934,447 8,695,472 9,389,182 12,148,512 14,590,433 16,197,481 16,563,680 19,873,512 20,773,553 20,693,767
SDBC Deposits - Customers - Total 5,279,961 6,839,958 8,376,738 7,911,811 8,600,216 9,264,321 11,877,336 14,189,001 15,989,302 16,238,807 19,871,384 20,768,921 20,685,003
SCDD Deposits - Demand -Customer 559,240 1,403,473 1,299,121 1,477,053 1,777,157 2,114,774 3,165,826 3,687,418 3,733,787 3,466,003 4,886,094 5,148,272 6,739,539
SSTC Deposits - Savings - Customer 4,453,657 5,015,227 6,479,854 5,892,605 6,116,480 6,343,995 7,595,678 9,119,047 10,700,043 11,197,023 13,287,660 13,566,315 11,717,337
SDPO Deposits - Other - Customer 267,064 421,258 597,762 542,153 706,580 805,552 1,115,831 1,382,536 1,555,472 1,575,782 1,697,630 2,054,334 2,228,127
SDDB Deposits - Due to Banks & Financial Institutions 61,996 87,524 73,386 22,636 95,256 124,860 271,176 401,432 208,179 324,873 2,128.2 4,632.1 8,763.8
SBDD Deposits - Demand Deposits - Due to Banks & Financial Institutions 1,156.7 1,088.2 1,016.8 888.8 1,710.5 1,364.1 725.4 1,389.6 4,277.2 8,763.8
SBSD Deposits - Savings - Due to Banks & Financial Institutions 21,480 94,168 123,843 214,608 371,561 206,815 324,148 738.6 354.9
SBOD Deposits - Other - Due to Banks & Financial Institutions 55,679 28,161
SLSD Debt - Total 1,221,937 1,720,109 1,683,181 1,526,519 1,561,850 1,621,619 1,804,279 2,422,103 2,788,088 3,543,507 3,547,866 3,031,140 2,749,702
SSTD Short-Term Debt & Current Portion of Long-Term Debt 384,655 491,225 242,471 347,376 593,681 570,166 473,988 691,194 838,073 872,860 1,388,116 771,981 335,743
SSOD Short-Term Debt & Notes Payable 384,655 491,225 242,471 218,152 308,369 154,885 102,821 102,101 65,043 67,363 0
SAFL Collateralized Financing Agreements, REPO Financing Loans - Liabilities 384,655 491,225 242,471 218,152 308,369 154,885 102,821 102,101 65,043 67,363 0
SSFF Securities Sold under Repurchase Agreements & Federal Funds Purchased 384,655 491,225 242,471 218,152 308,369 154,885 102,821 102,101 65,043 67,363 0
SSRA Securities Sold under Repurchase Agreements 384,655 491,225 242,471 218,152 308,369 154,885 102,821 102,101 65,043 67,363 0
SCLD Current Portion of Long-Term Debt including Capitalized Leases 129,224 285,312 415,281 371,167 589,093 773,029 805,496 1,388,116 771,981 335,743
SCDE Current Portion of Long-Term Debt excluding Capitalized Leases 129,224 285,312 415,281 371,167 589,093 773,029 805,496 1,388,116 771,981 335,743
SLTD Debt - Long-Term - Total 837,282 1,228,884 1,440,710 1,179,143 968,169 1,051,453 1,330,292 1,730,909 1,950,016 2,670,647 2,159,750 2,259,159 2,413,959
SDXL Long-Term Debt excluding Capitalized Leases 837,282 1,228,884 1,440,710 1,179,143 968,169 1,051,453 1,330,292 1,730,909 1,950,016 2,670,647 2,159,750 2,259,159 2,403,189
LNCD Debt - Non-Convertible - Long-Term 837,282 1,228,884 1,440,710 1,179,143 968,169 1,051,453 1,330,292 1,730,909 1,950,016 2,670,647 2,159,750 2,259,159 2,403,189
SLCL Capitalized Lease Obligations - Long-Term 10,770
SDTX Deferred Tax & Investment Tax Credits - Long-Term 4,673.8 12,564 9,310.2 693.9 0
SDTL Deferred Tax - Liability - Long-Term 4,673.8 12,564 9,310.2 693.9 0
SPAB Payables & Accrued Expenses 104,946 131,412 144,837 125,467 173,247 168,165 182,957 243,733 203,970 189,423 391,182 291,296 246,368
SPAO Other Payables - Total 86,833 112,253 124,766 105,617 148,288 142,241 154,557 207,436 160,134 144,033 339,407 256,438 205,934
SAEA Accrued Expenses 18,113 19,160 20,071 19,850 24,959 25,924 28,400 36,296 43,835 45,389 51,775 34,858 40,435
SDVT Derivative Liabilities - Hedging 1,623.0 1,245.0 0
SLBO Other Liabilities - Total 209,369 249,675 254,020 237,596 249,091 278,265 343,683 414,342 469,295 448,393 489,276 496,567 482,276
SPRV Provisions 202,619 249,317 253,563 237,064 248,510 278,265 343,683 413,746 432,544 413,302 474,849 464,442 123,941
SPET Post Employment Benefits - Pension & Other 202,619 249,317 253,563 237,064 248,510 278,265 343,683 413,746 432,544 413,302 474,849 464,442 123,941
SOOL Other Liabilities 6,749.8 358.1 457.2 532.0 581.4 595.7 36,751 35,090 14,427 32,125 358,336
Total Liabilities
STLB Total Liabilities 6,878,208 9,028,677 10,536,835 9,836,594 10,688,971 11,457,924 14,479,432 17,670,611 19,658,835 20,745,002 24,303,459 24,593,801 24,172,114
Shareholders' Equity
QTEP Shareholders' Equity - Attributable to Parent Shareholders - Total 715,966 808,128 1,067,380 950,391 989,733 1,005,448 1,420,233 1,597,010 1,658,466 1,717,305 1,423,636 1,502,221 1,664,591
QCEP Common Equity Attributable to Parent Shareholders 715,966 808,128 1,067,380 950,391 989,733 1,005,448 1,420,233 1,597,010 1,658,466 1,717,305 1,423,636 1,502,221 1,664,591
SCOM Common Equity - Contributed 561,632 575,331 734,660 601,874 591,395 532,496 545,616 541,795 511,266 529,500 523,465 515,751 472,178
SCMS Common Stock - Issued & Paid 483,846 487,636 537,718 434,410 426,805 383,836 393,096 390,343 368,348 381,484 377,137 371,579 340,186
SPIC Common Stock - Additional Paid in Capital including Option Reserve 77,787 87,695 196,943 167,464 164,590 148,661 152,521 151,453 142,919 148,015 146,329 144,172 131,992
SRES Equity - Non-Contributed - Reserves & Retained Earnings 154,334 232,797 332,720 348,517 398,338 472,952 874,616 1,055,214 1,147,200 1,187,806 900,170 986,470 1,192,412
SRED Retained Earnings - Total 140,160 228,914 329,703 355,922 414,515 490,350 668,761 848,646 954,040 962,680 624,166 781,721 896,047
SACI Comprehensive Income - Accumulated - Total 14,174 3,883.1 3,017.5 -7,405.1 -16,176 -17,398 205,856 206,568 193,160 225,126 276,004 204,749 119,265
SUGC Investments - Unrealized Gain/Loss 14,174 3,883.1 3,017.5 -7,405.1 -7,270.8 -9,698.2 -8,579.6 -1,602.8 -7,473.4 825.7 78,349 6,162.6 -76,663
SHRC Hedging Reserves -88.25 -1,402.3 -3,167.4
SPLC Comprehensive Income - Pension Liabilities -8,905.6 -7,700.0 -5,831.2 -10,553 -5,766.0 -14,028 -37,869 -32,151 -26,319
SVLR Revaluation Reserves 220,267 218,724 206,399 238,328 235,612 232,140 225,414
SORE Other Reserves/Equity - Total 177,101
SQCM Common Equity - Total 715,966 808,128 1,067,380 950,391 989,733 1,005,448 1,420,233 1,597,010 1,658,466 1,717,305 1,423,636 1,502,221 1,664,591
Total Shareholders' Equity
STLE Total Shareholders' Equity - including Minority Interest & Hybrid Debt 715,966 808,128 1,067,380 950,391 989,733 1,005,448 1,420,233 1,597,010 1,658,466 1,717,305 1,423,636 1,502,221 1,664,591
Total Liabilities & Shareholders' Equity
STBL Total Liabilities & Equity 7,594,174 9,836,806 11,604,215 10,786,984 11,678,704 12,463,373 15,899,664 19,267,620 21,317,300 22,462,307 25,727,094 26,096,022 25,836,705
Share/Per Share - Common
STCIC Common Shares - Issued - Total 9,430,566 9,562,503 10,741,079 10,957,232 10,960,180 10,975,373 10,983,312 10,983,312 10,983,312 10,983,312 10,983,312 10,983,312 10,983,312
STCOC Common Shares - Outstanding - Total 9,430,566 9,562,503 10,741,079 10,957,232 10,960,180 10,975,373 10,983,312 10,983,312 10,983,312 10,983,312 10,983,312 10,983,312 10,983,312
STCTC Common Shares - Treasury - Total 0 0 0 0 0 0 0 0 0 0 0 0 0
STCAI Common Shares - Authorized - Issue Specific 21,239,001 21,239,001 21,239,001 21,239,001 21,239,001 21,239,001 21,239,001 21,239,001 21,239,001 21,239,001
STCII Common Shares - Issued - Issue Specific 9,430,566 9,562,503 10,741,079 10,957,232 10,960,180 10,975,373 10,983,312 10,983,312 10,983,312 10,983,312 10,983,312 10,983,312 10,983,312
STCOI Common Shares - Outstanding - Issue Specific 9,430,566 9,562,503 10,741,079 10,957,232 10,960,180 10,975,373 10,983,312 10,983,312 10,983,312 10,983,312 10,983,312 10,983,312 10,983,312
STCTI Common Shares - Treasury - Issue Specific 0 0 0 0 0 0 0 0 0 0 0 0 0
Share/Per Share - Preferred
Share/Per Share - Other
SAAFI Asset Allocation Factor - Issue Specific 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00
Right of Use Tangible Assets
SRTCS Right of Use Tangible Assets - Total - Gross - Supplemental 38,532 40,808 46,259
SRFGS Right of Use Tangible Assets - Capital/Finance Lease - Gross - Supplemental 38,532 40,808 46,259
Property, Plant & Equipment - excluding Right of Use Tangible Assets & Capital Leases -
SXRC Gross 606,281 623,659 634,746
Right of Use Liabilities
STFL Finance and Operating Lease Liabilities - Total 10,770
Debt Related
SSND Net Debt 723,445 1,082,822 853,194 639,742 730,510 738,952 -369,822 42,842 1,629,029 2,327,261 2,654,910 2,172,750 1,010,000
Islamic
SISF Islamic Financing Assets - Total 298,836 451,039 603,142 653,895 762,500 790,627 1,026,973 1,301,612 1,497,123 1,651,467 1,720,302 1,844,210 1,930,879
SOID Other Islamic Deposits 267,064 421,258 597,762 542,153 706,580 805,552 1,115,831 1,382,536 1,555,472 1,575,782 1,697,630 2,054,334 2,228,127
SSDD Islamic Debt & Deposits - Total 267,064 421,258 597,762 542,153 706,580 805,552 1,115,831 1,382,536 1,555,472 1,575,782 1,697,630 2,054,334 2,228,127
Debt Maturity
Capital Lease Maturity
Weighted Average Leases
Other
SASAC Asset Accruals -40,285 -56,556 -72,164 -76,024 -74,352 -85,689 -74,735 -75,750 -86,512 -98,643 -101,811 -108,040 -106,748
SCASH Cash & Cash Equivalents - Total 498,492 637,287 829,987 886,777 831,340 882,667 2,174,101 2,379,261 1,159,059 1,216,246 892,956 858,390 1,739,703
SCSEK Cash & Securities 1,400,394 1,502,713 1,710,852 1,921,863 1,935,947 1,616,513 3,175,803 3,556,379 2,224,744 2,735,777 5,203,801 4,366,258 5,285,962
SCSTI Cash & Short Term Investments - Total 498,492 637,287 829,987 886,777 831,340 882,667 2,174,101 2,379,261 1,159,059 1,216,246 892,956 858,390 1,739,703
STDBT Debt - including Preferred Equity & Minority Interest - Total 1,221,937 1,720,109 1,683,181 1,526,519 1,561,850 1,621,619 1,804,279 2,422,103 2,788,088 3,543,507 3,547,866 3,031,140 2,749,702
SDEMD Demand Deposits - Total 559,240 1,403,473 1,299,121 1,478,210 1,778,245 2,115,791 3,166,715 3,689,129 3,735,151 3,466,728 4,887,484 5,152,549 6,748,302
SAIRN Earning Assets 7,307,336 9,516,555 11,270,388 10,521,344 11,381,461 12,131,280 16,556,150 18,535,800 20,523,972 21,579,729 24,441,619 24,674,727 24,370,655
SINVT Invested Assets - Total 901,902 865,427 880,865 1,035,086 1,104,607 733,845 1,001,702 1,177,117 1,065,684 1,384,428 4,242,828 3,395,705 3,454,117
SINVS Investment Securities 901,902 865,427 880,865 1,035,086 1,104,607 728,217 995,942 1,171,397 1,060,287 1,378,838 4,237,302 3,390,260 3,449,132
SNBKC Net Book Capital 1,439,411 1,890,950 1,920,574 1,590,133 1,720,243 1,744,400 1,050,411 1,639,851 3,287,495 4,044,566 4,078,546 3,674,970 2,674,590
SNOPA Net Operating Assets 1,439,411 1,890,950 1,920,574 1,590,133 1,720,243 1,744,400 1,050,411 1,639,851 3,287,495 4,044,566 4,078,546 3,674,970 2,674,590
SPROV Provisions - Total 202,619 249,317 258,237 249,628 257,820 278,959 343,683 413,746 432,544 413,302 474,849 464,442 123,941
SDEPS Savings Deposits - Total 4,453,657 5,015,227 6,479,854 5,914,085 6,210,648 6,467,839 7,810,286 9,490,608 10,906,859 11,521,171 13,288,399 13,566,670 11,717,337
STCSE Shareholders Equity - Common 715,966 808,128 1,067,380 950,391 989,733 1,005,448 1,420,233 1,597,010 1,658,466 1,717,305 1,423,636 1,502,221 1,664,591
STTAN Tangible Total Equity 715,966 808,128 1,067,380 950,391 989,733 1,005,448 1,420,233 1,597,010 1,658,466 1,717,305 1,423,636 1,502,221 1,664,591
SQTAN Tangible Book Value 715,966 808,128 1,067,380 950,391 989,733 1,005,448 1,420,233 1,597,010 1,658,466 1,717,305 1,423,636 1,502,221 1,664,591
STBKC Total Book Capital 1,937,903 2,528,237 2,750,561 2,476,910 2,551,583 2,627,068 3,224,512 4,019,113 4,446,554 5,260,812 4,971,502 4,533,361 4,414,293
STCAP Total Capital 1,937,903 2,528,237 2,750,561 2,476,910 2,551,583 2,627,068 3,224,512 4,019,113 4,446,554 5,260,812 4,971,502 4,533,361 4,414,293
STLTC Total Long Term Capital 715,966 808,128 1,067,380 950,391 989,733 1,005,448 1,420,233 1,597,010 1,658,466 1,717,305 1,423,636 1,502,221 1,664,591
STCSEO Book Value excluding Other Equity 715,966 808,128 1,067,380 950,391 989,733 1,005,448 1,420,233 1,597,010 1,658,466 1,717,305 1,423,636 1,502,221 1,487,490
Shareholders
Operating Lease Maturity
Risk Related
SCXP Credit Exposure 7,965,237 12,174,588 11,447,885
Capital Adequacy
SVTCC Capital Adequacy - Total (Value) 674,022 979,560 851,398 902,379 1,007,836 1,501,087 1,628,820 1,622,848 1,682,322 1,780,287 1,803,952 1,809,731
STC1 Capital Adequacy - Tier 1 (Value) 627,822 938,555 812,380 867,188 882,961 1,220,725 1,380,534 1,423,310 1,515,664 1,255,403 1,300,464 1,447,697
STC2 Capital Adequacy - Tier 2 (Value) 46,200 41,005 39,018 35,192 124,875 280,362 248,286 199,538 166,658 524,884 503,488 362,033
STCR Capital Adequacy - Total (%) 16.7% 17.7% 15.6% 14.6% 17.0% 20.3% 18.9% 18.2% 17.3% 19.3% 19.1% 20.2%
STR1 Capital Adequacy - Tier 1 (%) 15.6% 17.0% 14.9% 14.1% 14.9% 16.5% 16.0% 16.0% 15.6% 13.6% 13.8% 16.1%
SRWA Risk Weighted Assets 4,027,231 5,537,008 5,449,153 6,165,803 5,939,941 7,381,726 8,631,940 8,913,930 9,715,005 9,205,825 9,427,408 8,970,801
SRSF Net Stable Funding Ratio - Basel 3 - % 118.8% 112.4%
Nonperforming Loans/Assets
SNPL Loans - Non-Performing & Impaired 186,846 345,411 334,354 375,629 344,810 347,160 389,832 465,995 881,141 1,250,194 1,220,496 1,132,971
SMLG Loans - Impaired -Total 103,564 180,556 447,398 1,250,194 1,220,496 1,132,971
SMNG Loans - Impaired - Non-Performing 85,411 127,878 242,732
SMPG Loans - Impaired - Sub-Performing & Performing but Impaired 18,154 52,678 204,666
SNPP Loans - Performing - Not Impaired & Not Past Due 881,547 1,287,573 1,492,161 15,491,410 16,132,868 15,998,900
SMAS Impaired Assets - Total 103,564 180,556 447,398 1,250,194 1,220,496 1,132,971
SVLS1 Loans - Stage 1 - Gross, Total 13,406,068 14,077,935 14,157,454
Employees
SETL Employees - Full-Time/Full-Time Equivalents - Period End 5,312.0 6,048.0 6,869.0 7,513.0 8,186.0 8,561.0 8,780.0 10,192 11,241 11,164 10,811 10,711
SETA Employees - Full-Time/Full-Time Equivalents - Current Date 5,312.0 6,048.0 6,869.0 7,513.0 8,186.0 8,561.0 8,780.0 10,192 11,241 11,164 10,811 10,711
Japan Specific
Company Fundamentals - Cash Flow
CF Template BNK
Scaling Thousands
Period Annual
Statement Data 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
Period End Date 31-12-2010 31-12-2011 31-12-2012 31-12-2013 31-12-2014 31-12-2015 31-12-2016 31-12-2017 31-12-2018 31-12-2019 31-12-2020 31-12-2021 31-12-2022
Cash Flow - Standardized (Currency: US Dollar)
FCC Field Name 31-12-2010 31-12-2011 31-12-2012 31-12-2013 31-12-2014 31-12-2015 31-12-2016 31-12-2017 31-12-2018 31-12-2019 31-12-2020 31-12-2021 31-12-2022
Operating Cash Flow - Direct
SCRC Cash Receipts - Business Activities - Cash Flow 716,535 855,399 937,506 1,059,358 1,075,951 1,109,808 1,265,264 1,403,993 1,560,901 1,801,084 1,520,657 1,569,566 1,640,679
SCPD Cash Payments - Business Activities - Cash Flow 581,050 670,038 695,209 785,188 886,316 607,581 673,164 734,055 888,458 1,177,852 1,111,243 911,755 726,581
SDTN Income Taxes - Paid/(Reimbursed) - Cash Flow - Direct 32,170 47,525 46,804 43,732 30,282 48,447 70,563 72,908 68,753 41,750 23,575 57,420 67,520
SOCN Cash Receipts/(Payments) - Net - Cash Flow -509,295 298,133 -144,801 -382,322 -484,634 -411,640 45,474 -573,035 -773,323 -1,630,718 1,454,675 68,104 -761,273
STLO Net Cash Flow from Operating Activities -405,980 435,969 50,691 -151,884 -325,281 42,141 567,012 23,994 -169,633 -1,049,235 1,840,513 668,496 85,305
Investing Cash Flow
SCAP Capital Expenditures - Net - Cash Flow 36,971 34,129 37,681 21,146 16,150 19,645 21,481 29,649 37,069 25,937 55,100 29,077 70,294
SPPN Property, Plant & Equipment - Purchased/(Sold) - Net - Cash Flow 36,971 34,129 37,681 21,146 16,150 19,645 21,481 29,649 37,069 25,937 55,100 29,077 70,294
SCEP Property, Plant & Equipment - Purchased - Cash Flow 36,971 34,129 37,681 21,146 16,150 19,645 21,481 29,649 37,069 25,937 55,100 29,077 70,294
SCEX Capital Expenditures - Total 36,971 34,129 37,681 21,146 16,150 19,645 21,481 29,649 37,069 25,937 55,100 29,077 70,294
SIVN Investments excluding Loans - Decrease/(Increase) - Cash Flow 365,570 -4,861.5 -3,359.4 -193,564 -265,043 217,482 -127,000 91,877 155,967 -474,829 -1,583,007 297,433 -91,508
SIVT Investment Securities - Unclassified - Sold/(Purchased) - Net - Total - Cash Flow 365,570 -4,861.5 -3,359.4 -193,564 -265,043 217,482 -127,000 91,877 155,967 -474,829 -1,583,007 297,433 -91,508
SINS Investment Securities - Sold/Matured - Unclassified - Cash Flow 365,570 128,426 127,250 32,178 6,092.7 326,579 20,887 114,242 178,481 0 211,543 773,512 11,596,724
SINP Investment Securities - Purchased - Unclassified - Cash Flow 133,287 130,609 225,742 271,136 109,097 147,887 22,365 22,514 474,829 1,794,549 476,079 11,688,232
STLI Net Cash Flow from Investing Activities 328,598 -38,990 -41,040 -214,710 -281,193 197,837 -148,481 62,228 118,897 -500,767 -1,638,107 268,356 -161,802
Financing Cash Flow
SCDP Dividends Paid - Cash - Total - Cash Flow 35,059 28,120 39,446 39,544 16,696 27,842 39,146 42,611 39,737 1,444.8 0 16,023
SPDC Dividends - Common - Cash Paid 35,059 28,120 39,446 39,544 16,696 27,842 39,146 42,611 39,737 1,444.8 0 16,023
SPSS Stock - Total - Issuance/(Retirement) - Net - Cash Flow 0 17,789 202,028 23,523 225.8 1,421.4 676.4 0
SSNU Stock - Issuance/(Retirement) - Net - Excluding Options/Warrants - Cash Flow 0 0 200,942
SCSN Stock - Common - Issuance/(Retirement) - Net - Cash Flow 0 0 200,942
SSIC Stock - Common - Issued/Sold - Cash Flow 0 0 200,942
SOPX Options Exercised - Cash Flow 17,789 1,086.3 23,523 225.8 1,421.4 676.4 0
SPRD Debt - Long-Term & Short-Term - Issuance/(Retirement) - Total - Cash Flow 229,905 636,301 212,234 250,565 217,142 312,442 315,505 642,717 506,964 636,966 32,922 -475,483 -73,345
STDN Debt - Issued/(Reduced) - Long-Term & Short-Term - Cash Flow 93,843 112,749 145,223 23,921 152,386 85,641 168,868
SLDN Debt - Issued/(Reduced) - Long-Term - Cash Flow 147,178 410,817 293,300 196,015 -33,536 352,707 203,054 642,717 538,633 636,966 97,474 -475,483 -73,345
SLDI Debt - Issued - Long-Term - Cash Flow 229,813 410,817 325,390 224,935 48,719 352,707 483,382 642,717 883,008 1,283,959 1,013,726 557,477 900,615
SLDR Debt - Reduced - Long-Term - Cash Flow 82,635 0 32,090 28,920 82,255 280,328 0 344,375 646,993 916,252 1,032,960 973,960
Collateralized Agreements, Reverse REPOs, & Financing Loans (Liabilities) -
SRFL Increase/(Decrease) - Cash Flow -11,116 112,735 -226,289 30,629 98,292 -125,906 -56,417 0 -31,669 0 -64,553 0 0
SFCF Other Financing Cash Flow - Increase/(Decrease) -15,780 -404.6 -6,750.4 185,878
STLF Net Cash Flow from Financing Activities 214,125 618,627 379,392 234,642 177,824 297,167 288,339 603,570 464,353 597,229 31,477 -475,483 96,510
Discontinued Cash Flow
Non classified Cash Flow
Foreign Exchange Effects
Change in Cash
SNCC Net Change in Cash - Total 136,743 1,015,605 389,043 -131,952 -428,650 537,144 706,870 689,792 413,617 -952,773 233,884 461,368 20,012
SCNC Net Cash from Continuing Operations 136,743 1,015,605 389,043 -131,952 -428,650 537,144 706,870 689,792 413,617 -952,773 233,884 461,368 20,012
SNCB Net Cash - Beginning Balance 634,538 767,671 1,645,255 1,602,042 1,463,007 945,375 1,500,370 2,182,691 2,701,749 3,221,542 2,225,777 2,430,706 2,648,886
SNCE Net Cash - Ending Balance 772,360 1,748,764 2,022,931 1,489,476 1,052,665 1,466,085 2,198,084 2,863,077 3,110,609 2,251,434 2,467,062 2,893,327 2,667,953
Supplemental
SSTN Income Taxes - Paid/(Reimbursed) - Cash Flow - Supplemental 32,170 47,525 46,804 43,732 30,282 48,447 70,563 72,908 68,753 41,750 23,575 57,420 67,520
SDCW Working Capital - Cash Flow - Direct - Supplemental -510,604 298,531 -143,970 -382,791 -484,799 -154,163 337,009 -213,253 -422,043 -1,291,422 1,711,080 459,507 -358,265
SDCSBN Cash Dividends Paid & Common Stock Buyback - Net 35,059 -172,822
SCSBN Common Stock Buyback - Net 0 0 -200,942
SFCFE Free Cash Flow to Equity -213,046 1,038,142 225,245 77,535 -124,289 334,938 861,036 637,061 300,262 -438,206 1,818,335 163,935 -58,334
SFCFO Free Cash Flow Net of Dividends -442,951 366,781 -15,110 -212,476 -380,975 5,798.8 517,688 -44,802 -249,314 -1,114,910 1,783,969 639,419 -1,012.5
SFCFL Free Cash Flow -442,951 401,840 13,010 -173,030 -341,431 22,495 545,530 -5,655.1 -206,702 -1,075,173 1,785,413 639,419 15,011
SDCM Dividends Provided/Paid - Common 14,492 31,396 23,932 18,827 27,701 39,395 45,253 39,521 1,480.7 16,630 41,066
SONI CF from Optg Activities before Change in WC & Int Payments -405,980 435,969 50,691 -151,884 -325,281 42,141 567,012 23,994 -169,633 -1,049,235 1,840,513 668,496 85,305
Japan Specific
Company Fundamentals - Pension
CF Template BNK
Scaling Thousands
Period Annual
Statement Data 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
Period End Date 31-12-2010 31-12-2011 31-12-2012 31-12-2013 31-12-2014 31-12-2015 31-12-2016 31-12-2017 31-12-2018 31-12-2019 31-12-2020 31-12-2021 31-12-2022
Purwantono, Purwantono, Purwantono, Purwantono, Purwantono, Purwantono, Purwantono, Purwantono, Purwantono, Purwantono, Purwantono, KAP Purwantono, KAP Purwantono,
Auditor Name Suherman & Surja Suherman & Surja Suherman & Surja Suherman & Surja Suherman & Surja Suherman & Surja Suherman & Surja Suherman & Surja Suherman & Surja Suherman & Surja Suherman & Surja Sungkoro & Surja Sungkoro & Surja
Pension - Standardized (Currency: US Dollar)
FCC Field Name 31-12-2010 31-12-2011 31-12-2012 31-12-2013 31-12-2014 31-12-2015 31-12-2016 31-12-2017 31-12-2018 31-12-2019 31-12-2020 31-12-2021 31-12-2022
Funded Status
SFSS Funded Status - including Unfunded Plan Obligations 2,282.1 -34,897 22,660 19,144 14,228 18,838 13,494 7,955.5 -13,010 -10,404 -6,888.0
SFST Funded Status 2,282.1 -34,897 22,660 19,144 14,228 18,838 13,494 7,955.5 -13,010 -10,404 -6,888.0
SPFST Funded Status - Total Pension 2,282.1 -34,897 22,660 19,144 14,228 18,838 13,494 7,955.5 -13,010 -10,404 -6,888.0
SVPPD Funded Status - Domestic 2,282.1 -34,897 22,660 19,144 18,838 13,494 7,955.5 -13,010 -10,404 -6,888.0
SFPA Fair Value of Plan Assets 92,946 122,547 97,681 111,923 118,050 128,514 125,727 139,362 143,245 143,053 136,129
SPFPA Fair Value of Plan Assets - Total Pension 92,946 122,547 97,681 111,923 118,050 128,514 125,727 139,362 143,245 143,053 136,129
SVPAD Fair Value of Plan Assets - Domestic 92,946 122,547 97,681 111,923 128,514 125,727 139,362 143,245 143,053 136,129
SBOB Projected Benefit Obligation - Total 90,664 157,444 75,021 92,779 103,822 109,676 112,233 131,407 156,255 153,457 143,017
SFPO Projected Benefit Obligation 90,664 157,444 75,021 92,779 103,822 109,676 112,233 131,407 156,255 153,457 143,017
SPFPO Projected Benefit Obligation - Total Pension 90,664 157,444 75,021 92,779 103,822 109,676 112,233 131,407 156,255 153,457 143,017
SVAPD Projected Benefit Obligation - Domestic 90,664 157,444 75,021 92,779 109,676 112,233 131,407 156,255 153,457 143,017
Net Assets Recognized
SPBR Prepaid Benefit Costs 13,982 17,896
SPPBR Prepaid Benefit Costs - Total Pension 13,982 17,896
SVABD Prepaid Benefit Costs - Domestic 13,982 17,896
SABL Accrued Benefit Liability 10,405 6,888.0
SPABL Accrued Benefit Liability - Total Pension 10,405 6,888.0
SVALD Accrued Benefit Liability - Domestic 10,405 6,888.0
SACT Accumulated Other Comprehensive Income 11,844 -1,247.6 -13,494 -7,955.5 13,010
SFUA Actuarial Gain/Loss - Unrecognized 11,844 -1,247.6
SPFUA Actuarial Gain/Loss - Unrecognized - Total Pension 11,844 -1,247.6
SVUAD Actuarial Gain/Loss - Unrecognized - Domestic 11,844 -1,247.6
SOUN Assets/Obligations - Other - Unrecognized - Net -13,494 -7,955.5 13,010
SPOUN Assets/Obligations - Other - Unrecognized - Net - Total Pension -13,494 -7,955.5 13,010
SVOUD Assets/Obligations - Other - Unrecognized - Net - Domestic -13,494 -7,955.5 13,010
SPAL Prepaid Assets & Accrued Liabilities - Net 13,982 17,896 -10,405 -6,888.0
SNTT Net Assets Recognized - Total Pension 13,982 10,816 17,896 -10,405 -6,888.0
SNPT Net Assets Recognized - Total Pension Plans 13,982 10,816 17,896 -10,405 -6,888.0
SNPD Net Assets Recognized - Domestic Pension Plans 13,982 17,896 -10,405 -6,888.0
Asset Allocation - %
SAET Net Assets Recognized on Balance Sheet - % Equity Securities 11.5%
SPAET Net Assets Recognized on Balance Sheet - % Equity Securities - Total Pension 11.5%
SVADE Equity Securities % - Domestic 11.5%
STAF Net Assets Recognized on Balance Sheet - % Debt Securities 78.3%
SPTAF Net Assets Recognized on Balance Sheet - % Debt Securities - Total Pension 78.3%
SVDSD Debt Securities % - Domestic 78.3%
STAR Net Assets Recognized on Balance Sheet - % Real Estate 0.4%
SPART Net Assets Recognized on Balance Sheet - % Real Estate - Total Pension 0.4%
SVRED Real Estate % - Domestic 0.4%
SAOT Net Assets Recognized on Balance Sheet - % Other Investments 9.8%
SPAOT Net Assets Recognized on Balance Sheet - % Other Investments - Total Pension 9.8%
SVXID Other Investments % - Domestic 9.8%
Assumptions - Average
SDRT Discount Rate 8.5%
SPDRT Discount Rate - Total Pension 8.5%
SVRDD Discount Rate - Domestic 8.5%
SCIR Compensation Rate 6.0%
SPCIR Compensation Rate - Total Pension 6.0%
SVRTD Compensation Rate - Domestic 6.0%
Assumptions - Period-End
SDRP Discount Rate - Period End 8.3% 8.9% 8.1% 7.8% 9.2% 8.2% 6.5% 7.0% 7.0%
SPDRP Discount Rate - Period End - Total Pension 8.3% 8.9% 8.1% 7.8% 9.2% 8.2% 6.5% 7.0% 7.0%
SVDRD Discount Rate - Domestic - Period End 8.3% 8.9% 8.1% 7.8% 9.2% 8.2% 6.5% 7.0% 7.0%
SRCP Compensation Rate - Period End 6.0% 6.0% 6.0% 6.0% 6.0% 6.0% 6.0% 6.0% 6.0%
SPRCP Compensation Rate - Period End - Total Pension 6.0% 6.0% 6.0% 6.0% 6.0% 6.0% 6.0% 6.0% 6.0%
SVRCD Compensation Rate - Domestic - Period End 6.0% 6.0% 6.0% 6.0% 6.0% 6.0% 6.0% 6.0% 6.0%
Income/Expense
STPP Total Pension Plans - Total Pension & Post-Retirement 1,588.9 5,070.7 2,823.8 2,445.3 -4,779.7 4,830.9 5,616.4 2,018.4 1,900.5 2,065.7 1,959.2 3,827.6 3,039.8
SPPPT Total Pension Plan Expense - Total 1,588.9 5,070.7 2,823.8 2,445.3 -4,779.7 4,830.9 5,616.4 2,018.4 1,900.5 2,065.7 1,959.2 3,827.6 3,039.8
SDTP Total Pension Plans - Domestic 1,588.9 5,070.7 2,823.8 2,445.3 -4,779.7 4,830.9 5,616.4 2,018.4 1,900.5 2,065.7 1,959.2 3,827.6 3,039.8
SPIE Defined Benefit Income/Expense - Pension & Post-Retirement 1,588.9 5,070.7 2,823.8 3,875.3 -4,779.7 4,830.9 5,616.4 2,084.2 1,900.5 2,065.7 1,959.2 3,827.6 3,039.8
SPPIE Defined Benefit Income/Expense - Total Pension 1,588.9 5,070.7 2,823.8 3,875.3 -4,779.7 4,830.9 5,616.4 2,084.2 1,900.5 2,065.7 1,959.2 3,827.6 3,039.8
SVDBD Defined Benefit Income/Expense - Domestic 1,588.9 5,070.7 2,823.8 3,875.3 -4,779.7 4,830.9 5,616.4 2,084.2 1,900.5 2,065.7 1,959.2 3,827.6 3,039.8
SINX Interest Cost 6,637.4 8,395.6 9,035.6 7,512.6 6,542.9
SPINT Interest Cost - Total Pension 6,637.4 8,395.6 9,035.6 7,512.6 6,542.9
SVICD Interest Cost - Domestic 6,637.4 8,395.6 9,035.6 7,512.6 6,542.9
SNIT Net Interest Cost -44.23 -42.42 32.88 -30.96 -45.21 5.66 607.5 363.7
SPNIC Net Interest Cost - Total Pension -44.23 -42.42 32.88 -30.96 -45.21 5.66 607.5 363.7
SVDNI Net Interest Cost - Domestic -44.23 -42.42 32.88 -30.96 -45.21 5.66 607.5 363.7
SSRV Service Cost 2,107.4 5,598.9 3,847.8 2,515.5 1,824.4 2,039.9 2,140.4 2,400.7 2,260.5 2,316.4 2,463.3 2,639.4 2,378.7
SPSRV Service Cost - Total Pension 2,107.4 5,598.9 3,847.8 2,515.5 1,824.4 2,039.9 2,140.4 2,400.7 2,260.5 2,316.4 2,463.3 2,639.4 2,378.7
SVSCD Service Cost - Domestic 2,107.4 5,598.9 3,847.8 2,515.5 1,824.4 2,039.9 2,140.4 2,400.7 2,260.5 2,316.4 2,463.3 2,639.4 2,378.7
SPSC Prior Service Cost 3,401.7 4,072.1 220.6 207.8 332.5 1,074.4 772.8
SPPSC Prior Service Cost - Total Pension 3,401.7 4,072.1 220.6 207.8 332.5 1,074.4 772.8
SVTPS Prior Service Cost - Domestic 3,401.7 4,072.1 220.6 207.8 332.5 1,074.4 772.8
SAGL Actuarial Gain/Loss 0 481.1 4,392.6 3,371.0 283.4
SPAGL Actuarial Gain/Loss - Total Pension 0 481.1 4,392.6 3,371.0 283.4
SVXAG Actuarial Gain/Loss - Domestic 0 481.1 4,392.6 3,371.0 283.4
SERA Expected Return on Assets -7,155.9 -8,606.8 -13,676 -10,239 -13,430
SPERA Expected Return on Assets - Total Pension -7,155.9 -8,606.8 -13,676 -10,239 -13,430
SVXPD Expected Return on Assets - Domestic -7,155.9 -8,606.8 -13,676 -10,239 -13,430
SARA Actual Return on Assets 2,119.2 18,246
SPARA Actual Return on Assets - Total Pension 2,119.2 18,246
SNOP Other Pension - Net -798.1 -776.6 715.0 -566.5 -553.7 -570.0 -536.8 -538.0 -509.7 -493.8 -475.4
SPOPN Other Pension - Net - Total Pension -798.1 -776.6 715.0 -566.5 -553.7 -570.0 -536.8 -538.0 -509.7 -493.8 -475.4
SVXPO Other Pension - Net - Domestic -798.1 -776.6 715.0 -566.5 -553.7 -570.0 -536.8 -538.0 -509.7 -493.8 -475.4
Company Fundamentals - Financial Summary
CF Template BNK
Scaling Thousands
Period Annual
Statement Data 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
Period End Date 31-12-2010 31-12-2011 31-12-2012 31-12-2013 31-12-2014 31-12-2015 31-12-2016 31-12-2017 31-12-2018 31-12-2019 31-12-2020 31-12-2021 31-12-2022
Financial Summary - Standardized (Currency: US Dollar)
FCC Field Name 31-12-2010 31-12-2011 31-12-2012 31-12-2013 31-12-2014 31-12-2015 31-12-2016 31-12-2017 31-12-2018 31-12-2019 31-12-2020 31-12-2021 31-12-2022
Selected Income Statement Items
SLLP Provision & Impairment for Loan Losses 25,281 4,011.4 11,344 23,026 49,613 50,925 39,613 55,620 111,064 238,178 135,630 229,455 243,255
SSGA Selling, General & Administrative Expenses - Total 222,865 286,391 315,522 327,490 311,115 305,361 345,030 411,609 429,420 445,000 420,556 499,820 535,692
SOPR Operating Profit before Non-Recurring Income/Expense 139,482 174,329 200,133 205,901 132,789 189,767 252,315 291,043 253,282 37,430 162,155 215,604 260,315
SICO Income before Discontinued Operations & Extraordinary Items 100,919 127,816 145,900 150,592 96,663 138,508 196,976 226,267 197,606 14,807 110,627 166,301 205,331
Selected Balance Sheet Items
STIV Investments - Total 901,902 865,427 880,865 1,035,086 1,104,607 733,845 1,001,702 1,177,117 1,065,684 1,384,428 4,242,828 3,395,705 3,454,117
SQCM Common Equity - Total 715,966 808,128 1,067,380 950,391 989,733 1,005,448 1,420,233 1,597,010 1,658,466 1,717,305 1,423,636 1,502,221 1,664,591
STTAN Tangible Total Equity 715,966 808,128 1,067,380 950,391 989,733 1,005,448 1,420,233 1,597,010 1,658,466 1,717,305 1,423,636 1,502,221 1,664,591
SAIRN Earning Assets 7,307,336 9,516,555 11,270,388 10,521,344 11,381,461 12,131,280 16,556,150 18,535,800 20,523,972 21,579,729 24,441,619 24,674,727 24,370,655
Selected Cash Flow Items
STLO Net Cash Flow from Operating Activities -405,980 435,969 50,691 -151,884 -325,281 42,141 567,012 23,994 -169,633 -1,049,235 1,840,513 668,496 85,305
SCAP Capital Expenditures - Net - Cash Flow 36,971 34,129 37,681 21,146 16,150 19,645 21,481 29,649 37,069 25,937 55,100 29,077 70,294
SNCC Net Change in Cash - Total 136,743 1,015,605 389,043 -131,952 -428,650 537,144 706,870 689,792 413,617 -952,773 233,884 461,368 20,012
Selected Per Share Data
SCSPS Book Value per Share 0.08 0.08 0.10 0.09 0.09 0.09 0.13 0.15 0.15 0.16 0.13 0.14 0.15
STCPS Tangible Book Value per Share 0.08 0.08 0.10 0.09 0.09 0.09 0.13 0.15 0.15 0.16 0.13 0.14 0.15
SDWSC Shares used to calculate Diluted EPS - Total 9,430,504 9,855,699 9,606,565 10,927,793 10,959,007 10,966,146 10,982,440 10,983,312 10,983,312 10,983,312 10,983,312 10,983,312 11,304,826
DivYieldGrossI Dividend Yield - Common Stock - Gross - Issue Specific - % 0.9% 2.6% 1.7% 4.5% 3.7% 1.6% 2.0% 1.4% 2.3% 2.5% 0.1% 0.0% 1.6%
DivYieldI Dividend Yield - Common Stock - Net - Issue Specific - % 0.8% 2.2% 1.4% 3.8% 3.1% 1.4% 1.7% 1.2% 1.9% 2.1% 0.1% 0.0% 1.4%
Profitability / Return
BnkNetIntMar Interest & Dividend Income/(Expense) - Net - Finance Percentage of Earning Assets 5.50 4.98 4.85 4.78 4.07 4.42 4.18 3.94 3.69 3.01 2.78 3.74 4.09
RFRBR Fee Revenue - % 6.6% 7.9% 7.0% 6.6% 7.8% 7.1% 6.5% 7.2% 7.2% 8.0% 7.3% 5.9% 6.2%
REFRO Efficiency Ratio - % 60.2% 62.5% 61.5% 60.0% 64.2% 57.1% 57.3% 56.1% 54.5% 63.8% 59.5% 57.0% 51.8%
RIBTM Income before Tax Margin - % 33.7% 36.6% 36.5% 36.0% 26.1% 33.8% 36.9% 36.8% 31.7% 3.9% 21.7% 20.5% 25.0%
RINTR Income Tax Rate - % 26.7% 26.5% 26.8% 27.0% 27.5% 27.2% 21.4% 21.6% 22.2% 49.1% 29.4% 20.6% 21.4%
RNIMAR Net Margin - % 24.7% 26.9% 26.7% 26.3% 18.9% 24.6% 29.0% 28.8% 24.6% 2.0% 15.3% 16.3% 19.6%
Return on Average Common Equity - % (Income available to Common excluding Extraordinary
RetOnSTCSE Items) 15.5% 16.3% 15.5% 14.3% 9.6% 14.2% 15.9% 14.8% 12.3% 0.9% 7.3% 11.5% 12.9%
RetOnEarnAssts Return on Earning Assets - % 1.5% 1.5% 1.4% 1.3% 0.9% 1.2% 1.3% 1.3% 1.0% 0.1% 0.5% 0.7% 0.8%
Return on Average Total Assets - % (Income before Discontinued Operations & Extraordinary
RetOnTotAst Items) 1.4% 1.4% 1.4% 1.3% 0.8% 1.2% 1.4% 1.3% 1.0% 0.1% 0.5% 0.7% 0.8%
Growth
STCOC Common Shares - Outstanding - Total 9,430,566 9,562,503 10,741,079 10,957,232 10,960,180 10,975,373 10,983,312 10,983,312 10,983,312 10,983,312 10,983,312 10,983,312 10,983,312
Capital Ratio
STCR Capital Adequacy - Total (%) 16.7% 17.7% 15.6% 14.6% 17.0% 20.3% 18.9% 18.2% 17.3% 19.3% 19.1% 20.2%
SRWA Risk Weighted Assets 4,027,231 5,537,008 5,449,153 6,165,803 5,939,941 7,381,726 8,631,940 8,913,930 9,715,005 9,205,825 9,427,408 8,970,801
SRSF Net Stable Funding Ratio - Basel 3 - % 118.8% 112.4%
Banking - Other Metrics
RLLTL Reserves for Loan Losses - Total Percentage of Loans - Gross - Total 1.64 1.29 1.06 1.08 1.34 1.47 1.16 1.15 1.24 2.29 4.61 4.75 5.01
RLL2NPL Reserves for Loan Losses - Total to Loans - Non-Performing & Impaired 0.53 0.30 0.28 0.34 0.43 0.45 0.45 0.49 0.50 0.74 0.83 0.89
RRLTA Reserves for Loan Losses - Total Percentage of Total Assets 1.3% 1.1% 0.9% 0.9% 1.1% 1.2% 1.0% 0.9% 1.1% 2.0% 3.6% 3.9% 3.9%
RNLTL Loans - Non-Performing & Impaired Percentage of Loans - Gross - Total 3.1% 3.6% 3.9% 4.0% 3.4% 2.6% 2.6% 2.5% 4.6% 6.2% 5.7% 5.6%
RNPLCE Loans - Non-Performing & Impaired Percentage of Shareholders Equity - Common 26.1% 32.4% 35.2% 38.0% 34.3% 24.4% 24.4% 28.1% 51.3% 87.8% 81.3% 68.1%
RNPLLR Loans - Non-Performing & Impaired Percentage of Reserves for Loan Losses - Total 189.9% 336.5% 356.8% 295.9% 231.6% 220.8% 224.3% 203.0% 199.9% 134.4% 120.5% 112.5%
RTLOTA Loans - Gross - Total Percentage of Total Assets 79.08 82.53 83.26 80.59 80.93 81.00 85.14 78.64 86.92 85.82 78.39 81.70 77.76
REPLD Loans to Deposits (End of Period) 1.11 1.16 1.13 1.08 1.09 1.12 1.10 1.03 1.13 1.14 0.97 0.98 0.92
RLLCR Loan Loss Coverage Ratio 27.09 6.45 7.70 6.03 7.16 6.77 5.71 1.46 2.84 2.67
Financial Strength / Leverage
RTDTA Total Debt Percentage of Total Assets 16.1% 17.5% 14.5% 14.2% 13.4% 13.0% 11.4% 12.6% 13.1% 15.8% 13.8% 11.6% 10.6%
RTDTC Total Debt Percentage of Total Capital 63.1% 68.0% 61.2% 61.6% 61.2% 61.7% 56.0% 60.3% 62.7% 67.4% 71.4% 66.9% 62.3%
RTDTE Total Debt Percentage of Total Equity 170.7% 212.9% 157.7% 160.6% 157.8% 161.3% 127.0% 151.7% 168.1% 206.3% 249.2% 201.8% 165.2%
EarnRetenRate Earnings Retention Rate 0.86 0.75 0.84 0.74 0.81 0.80 0.80 0.80 0.80 0.90 0.99 0.90 0.80
PayoutRatio Dividend Payout Ratio - % 14.4% 24.6% 16.4% 26.2% 19.5% 20.0% 20.0% 20.0% 20.0% 10.0% 1.3% 10.0% 20.0%
DivCover Dividend Coverage - % 696.4% 407.1% 609.6% 381.7% 513.4% 500.0% 500.0% 500.0% 500.0% 1,000.0% 7,657.2% 1,000.0% 500.0%
Productivity
Inc2Empl Net Income after Tax per Employee 21,648 19,891 12,868 17,106 23,219 25,740 20,592 1,406.9 10,188 15,177 18,180
Sales2Empl Sales per Employee 87,792 75,777 67,950 69,420 80,124 89,239 83,583 70,186 66,475 93,156 92,644
TotAst2Empl Total Assets per Employee 1,429,626 1,918,686 1,570,386 1,554,466 1,522,523 1,857,220 2,194,490 2,091,572 1,998,248 2,304,469 2,413,840 2,412,166
Company Fundamentals - Valuation
CF Template BNK
Scaling Thousands
Period Annual
Statement Data 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
Period End Date 31-12-2010 31-12-2011 31-12-2012 31-12-2013 31-12-2014 31-12-2015 31-12-2016 31-12-2017 31-12-2018 31-12-2019 31-12-2020 31-12-2021 31-12-2022
Valuation - Standardized (Currency: US Dollar)
FCC Field Name 31-12-2010 31-12-2011 31-12-2012 31-12-2013 31-12-2014 31-12-2015 31-12-2016 31-12-2017 31-12-2018 31-12-2019 31-12-2020 31-12-2021 31-12-2022
Enterprise Value
Ev Enterprise Value 2,412,747 2,339,145 2,513,404 1,444,654 1,825,845 1,797,599 1,086,936 3,010,774 3,621,681 4,049,732 4,040,477 3,541,855 2,218,065
Ev_Avg5 Enterprise Value, 5 Year Average 1,639,914 1,733,352 1,600,981 1,541,143 1,775,644 2,155,516 2,716,629 3,140,775 3,597,373 3,212,282
Market Capitalization
Mcap Market Capitalization 1,689,302 1,256,323 1,660,210 804,912 1,095,335 1,058,648 1,456,757 2,967,932 1,992,652 1,722,471 1,385,567 1,369,105 1,208,065
Mcap_Avg5 Market Capitalization, 5 Year Average 980,486 1,065,109 947,574 1,092,083 1,442,299 1,623,382 1,830,378 1,878,749 1,849,479 1,417,525
Price Close
Price Price Close (End of Period) 0.17 0.12 0.15 0.07 0.09 0.09 0.12 0.25 0.17 0.15 0.12 0.12 0.09
Price_Avg5 Price Close (End of Period), 5 Year Average 0.09 0.10 0.08 0.09 0.12 0.14 0.16 0.16 0.16 0.12
FOCF Yield
FOCFYield Free Cash Flow Yield - % 28.1% 31.9% 0.9% 19.6% 31.8% 2.2% 39.4% 0.2% 10.9% 67.7% 141.6% 49.9% 1.5%
FOCFYield_Avg5 Free Cash Flow Yield - %, 5 Year Average 3.1% 9.8% 2.4% 2.6% 1.8% 0.4% 8.9% 12.0% 13.6% 17.0%
Dividend Yield
DivYieldI Dividend Yield - Common Stock - Net - Issue Specific - % 0.8% 2.2% 1.4% 3.8% 3.1% 1.4% 1.7% 1.2% 1.9% 2.1% 0.1% 0.0% 1.4%
DivYieldI_Avg5 Dividend Yield - Common Stock - Net - Issue Specific - %, 5 Year Average 1.6% 2.1% 2.3% 2.1% 1.9% 1.7% 1.6% 1.4% 1.2% 1.2%
DivYieldGrossI Dividend Yield - Common Stock - Gross - Issue Specific - % 0.9% 2.6% 1.7% 4.5% 3.7% 1.6% 2.0% 1.4% 2.3% 2.5% 0.1% 0.0% 1.6%
DivYieldGrossI_Avg5 Dividend Yield - Common Stock - Gross - Issue Specific - %, 5 Year Average 1.8% 2.4% 2.7% 2.5% 2.2% 2.0% 1.9% 1.7% 1.4% 1.4%
Price to Book
Price2CePSI Price to Book Value per Share - Issue Specific 2.22 1.46 1.46 0.80 1.04 0.99 0.96 1.75 1.13 0.94 0.91 0.86 0.57
Price2CePSI_Avg5 Price to Book Value per Share - Issue Specific, 5 Year Average 1.41 1.32 1.12 1.03 1.17 1.21 1.17 1.14 1.12 0.88
Price to Tangible Book
Price2STCPS Price to Tangible Book Value per Share 2.22 1.46 1.46 0.80 1.04 0.99 0.96 1.75 1.13 0.94 0.91 0.86 0.57
Price2STCPS_Avg5 Price to Tangible Book Value per Share, 5 Year Average 1.41 1.32 1.12 1.03 1.17 1.21 1.17 1.14 1.12 0.88
Price to Sales
Price2RevPsr Price to Revenue from Business Activities - Total per Share 3.85 2.65 2.63 1.54 2.10 1.82 2.04 3.60 2.36 2.15 1.75 1.26 0.98
Price2RevPsr_Avg5 Price to Revenue from Business Activities - Total per Share, 5 Year Average 2.63 2.47 2.11 2.02 2.35 2.46 2.44 2.39 2.16 1.63
Price to FOCF
Price2SFCFLPsr Price to Free Cash Flow per Share 3.13 110.4 45.55 2.54 0.71 2.01 68.56
Price2SFCFLPsr_Avg
5 Price to Free Cash Flow per Share, 5 Year Average 37.87 56.75 225.3 8.31 7.37 5.90
Price to CF Per Share
Price2CfPsr Price to Cash Flow per Share 13.63 8.28 8.24 4.98 9.29 6.69 6.49 11.66 8.76 42.89 8.57 6.25 4.15
Price2CfPsr_Avg5 Price to Cash Flow per Share, 5 Year Average 8.74 8.50 7.34 6.96 8.09 8.71 10.17 10.49 10.40 8.24
Price to Diluted EPS
Price2EpsExclExtra Price to EPS - Diluted - excluding Extraordinary Items Applicable to Common - Total 15.60 9.85 9.85 5.87 11.11 7.40 7.04 12.49 9.58 107.3 11.40 7.71 5.01
Price2EpsExclExtra_ Price to EPS - Diluted - excluding Extraordinary Items Applicable to Common - Total, 5 Year
Avg5 Average 10.32 10.05 8.58 7.94 9.00 9.57 11.34 12.06 12.35 10.12
Price to Normalized Diluted EPS
Price2EpsNorm Price to EPS - Diluted - excluding Extraordinary Items - Normalized - Total 15.60 9.85 9.85 5.87 11.15 7.39 7.03 12.48 9.56 103.7 11.27 7.57 4.94
Price2EpsNorm_Avg
5 Price to EPS - Diluted - excluding Extraordinary Items - Normalized - Total, 5 Year Average 1.41 1.32 1.12 1.03 1.17 1.21 1.17 1.14 1.12 0.88
PEG Ratio
PEGRatio PE Growth Ratio 0.18 0.58 0.39 8.58 -0.41 0.12 0.17 0.80 -1.32 -1.16 0.02 0.16 0.20
PEGRatio_Avg5 PE Growth Ratio, 5 Year Average 0.39 0.66 0.73 0.50 0.63 0.78 -0.39 -4.20 -6.40 -22.01
EV to Sales
Ev2Rev Enterprise Value to Revenue from Business Activities - Total 5.85 5.10 4.74 2.95 3.74 3.30 1.62 3.89 4.57 5.38 5.43 3.46 2.22
Ev2Rev_Avg5 Enterprise Value to Revenue from Business Activities - Total, 5 Year Average 4.65 4.30 3.83 3.08 3.08 3.48 3.86 4.25 4.47 4.01
EV to EBITDA
Ev2SEBITDA Enterprise Value to Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) 15.54 12.20 11.32 7.27 12.56 9.07 4.10 9.94 13.48 66.66 19.71 13.88 7.69
Enterprise Value to Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA), 5
Ev2SEBITDA_Avg5 Year Average 11.69 11.31 10.20 8.20 8.23 9.64 12.47 14.44 16.72 15.91
EV to CFO
Ev2Ocf Enterprise Value to Net Cash Flow from Operating Activities 5.55 51.08 44.00 1.94 127.2 2.13 5.28 27.29
Ev2Ocf_Avg5 Enterprise Value to Net Cash Flow from Operating Activities, 5 Year Average 33.00 40.25 71.81 12.76 13.29 12.35
EV to FOCF
Ev2SFCFL Enterprise Value to Free Cash Flow 6.03 199.0 82.43 2.02 2.19 5.52 155.1
Ev2SFCFL_Avg5 Enterprise Value to Free Cash Flow, 5 Year Average 56.59 73.58 313.3 14.79 15.27 14.63
Company Fundamentals - Operating Metrics
CF Template BNK
Scaling Thousands
Period Annual
Measure system Metric
Statement Data 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021
Period End Date 31-12-2012 31-12-2013 31-12-2014 31-12-2015 31-12-2016 31-12-2017 31-12-2018 31-12-2019 31-12-2020 31-12-2021
Standardized Currency IDR IDR IDR IDR IDR IDR IDR IDR IDR IDR
Auditor Name Purwantono, Purwantono, Purwantono, Purwantono, Purwantono, Purwantono, Purwantono, Purwantono, Purwantono, KAP Purwantono,
Suherman & Surja Suherman & Surja Suherman & Surja Suherman & Surja Suherman & Surja Suherman & Surja Suherman & Surja Suherman & Surja Suherman & Surja Sungkoro & Surja
Period End FX Rate 0.0001038421599 8.2236842105E-05 8.0775444265E-05 7.2542618789E-05 7.423904974E-05 7.3719130114E-05 6.9565217391E-05 7.204610951E-05 7.1225071225E-05 7.0175438596E-05
Avg. FX Rate 0.0001069675073 9.6399628161E-05 8.4379597068E-05 7.4832241577E-05 7.5213146703E-05 7.4738218878E-05 7.0374557429E-05 7.0758675621E-05 6.9040130863E-05 6.9985377189E-05
Operating Metrics - Standardized (Currency: US Dollar)
FCC Field Name 31-12-2012 31-12-2013 31-12-2014 31-12-2015 31-12-2016 31-12-2017 31-12-2018 31-12-2019 31-12-2020 31-12-2021
Margins & Ratios
SNIMT Net Interest Margin - Total - % 5.8% 5.4% 4.5% 4.9% 5.0% 4.8% 4.3% 3.3% 3.1% 4.0%
SEFRT Efficiency Ratio - Total - % 48.2%

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Company Fundamentals - Segments

Company Name Bank Tabungan Negara (Persero) Tbk PT (BBTN.JK)

Segments - Business Line By Segment (Currency: US Dollar)

Segments - Business Line By Statement Item (Currency: US Dollar)

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