CF-Export-26-02-2024 41

Company Fundamentals - Segments
Company Name Bank Central Asia Tbk PT (BBCA.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 26-02-2024
Statement Data 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
Period End Date 31-12-2002 31-12-2003 31-12-2004 31-12-2005 31-12-2006 31-12-2007 31-12-2008 31-12-2009 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
Period End FX Rate 0.00011185682327 0.00011890606421 0.00010787486516 0.0001018848701 0.0001112842199 0.00010649627263 9.2165898618E-05 0.00010615711253 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 0.00010781254364 0.00011681419465 0.00011215373292 0.00010320991693 0.00010926761579 0.00010949602056 0.00010438167035 0.00009709472506 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)

Field Name TRBC 31-12-2002 31-12-2003 31-12-2004 31-12-2005 31-12-2006 31-12-2007 31-12-2008 31-12-2009 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
Consolidated Segment Revenue - External & Intersegment 2,520,797 2,820,902 2,747,916 2,924,441 2,990,609 3,062,644 3,508,457 3,217,000 3,018,168 3,112,416
Inter-Bank Loans - Net 5,377,356 6,642,362 8,594,513 10,140,725 12,695,930 16,659,272 21,902,909 26,247,192 25,220,323 27,452,267 27,465,817 29,947,381 33,488,017 36,489,076 41,212,824 39,005,959 41,390,427 42,466,367
Interest Income - Bank 571,596 833,984 804,327 1,058,313 1,233,487 1,478,737 1,824,270 2,199,683
Total Assets 2,300,799 3,368,530 4,237,365 5,377,356 6,642,362 8,594,513 10,140,725 12,695,930 16,659,272 21,902,909 26,247,192 25,220,323 27,452,267 27,465,817 29,947,381 33,488,017 36,489,076 41,212,824 39,005,959 41,390,427 42,466,367
Consolidated Segment Revenue - External & Intersegment 607,012 615,617 560,545 607,243 750,816 662,134 731,627 1,051,368 1,320,306 1,506,217
Inter-Bank Loans - Net 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Interest Income - Bank 754,065 987,826 923,046 884,874 910,382 797,660 1,121,565 890,105
Total Assets 9,849,452 11,471,322 10,876,449 8,826,769 11,499,501 12,802,395 10,362,880 15,004,693 16,610,867 17,030,370 15,813,178 11,867,213 12,782,336 11,495,536 15,488,971 16,551,094 15,058,430 18,425,942 31,147,086 38,217,222 35,414,628
Consolidated Segment Revenue - External & Intersegment 176,495 256,882 214,771 261,001 277,095 270,161 276,994 247,074 254,455 252,642
Inter-Bank Loans - Net 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Interest Income - Bank 0 0 0 0 0 0 0 0
Total Assets 971,067 1,005,581 977,756 1,097,021 1,533,045 1,819,812 2,129,562 2,277,330 2,756,409 3,219,961 3,941,104 3,726,984 4,387,682 4,156,004 4,804,090 5,273,802 5,829,047 6,570,839 6,454,523 6,591,978 6,586,187
Interest Income - Bank 1,325,661 1,821,809 1,727,374 1,943,187 2,143,869 2,276,398 2,945,835 3,089,787
Total Assets 13,121,318 15,845,432 16,091,569 15,301,146 19,674,908 23,216,721 22,633,166 29,977,954 36,026,548 42,153,240 46,001,474 40,814,521 44,622,285 43,117,357 50,240,442 55,312,913 57,376,553 66,209,605 76,607,568 86,199,627 84,467,181
CF Template BNK
Scaling Thousands
Period Annual
Statement Data 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
Period End Date 31-12-2002 31-12-2003 31-12-2004 31-12-2005 31-12-2006 31-12-2007 31-12-2008 31-12-2009 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
Period End FX Rate 0.00011185682327 0.00011890606421 0.00010787486516 0.0001018848701 0.0001112842199 0.00010649627263 9.2165898618E-05 0.00010615711253 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 0.00010781254364 0.00011681419465 0.00011215373292 0.00010320991693 0.00010926761579 0.00010949602056 0.00010438167035 0.00009709472506 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 Statement Item (Currency: US Dollar)

Field Name TRBC 31-12-2002 31-12-2003 31-12-2004 31-12-2005 31-12-2006 31-12-2007 31-12-2008 31-12-2009 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
Credit 522110 5,377,356 6,642,362 8,594,513 10,140,725 12,695,930 16,659,272 21,902,909 26,247,192 25,220,323 27,452,267 27,465,817 29,947,381 33,488,017 36,489,076 41,212,824 39,005,959 41,390,427 42,466,367
Others 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Treasury 523150, 522110 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Total Assets 13,121,318 15,845,432 16,091,569 15,301,146 19,674,908 23,216,721 22,633,166 29,977,954 36,026,548 42,153,240 46,001,474 40,814,521 44,622,285 43,117,357 50,240,442 55,312,913 57,376,553 66,209,605 76,607,568 86,199,627 84,467,181
Credit 522110 2,300,799 3,368,530 4,237,365 5,377,356 6,642,362 8,594,513 10,140,725 12,695,930 16,659,272 21,902,909 26,247,192 25,220,323 27,452,267 27,465,817 29,947,381 33,488,017 36,489,076 41,212,824 39,005,959 41,390,427 42,466,367
Others 971,067 1,005,581 977,756 1,097,021 1,533,045 1,819,812 2,129,562 2,277,330 2,756,409 3,219,961 3,941,104 3,726,984 4,387,682 4,156,004 4,804,090 5,273,802 5,829,047 6,570,839 6,454,523 6,591,978 6,586,187
Treasury 523150, 522110 9,849,452 11,471,322 10,876,449 8,826,769 11,499,501 12,802,395 10,362,880 15,004,693 16,610,867 17,030,370 15,813,178 11,867,213 12,782,336 11,495,536 15,488,971 16,551,094 15,058,430 18,425,942 31,147,086 38,217,222 35,414,628
Interest Income - Bank 1,325,661 1,821,809 1,727,374 1,943,187 2,143,869 2,276,398 2,945,835 3,089,787
Credit 522110 571,596 833,984 804,327 1,058,313 1,233,487 1,478,737 1,824,270 2,199,683
Others 0 0 0 0 0 0 0 0
Treasury 523150, 522110 754,065 987,826 923,046 884,874 910,382 797,660 1,121,565 890,105
Credit 522110 2,520,797 2,820,902 2,747,916 2,924,441 2,990,609 3,062,644 3,508,457 3,217,000 3,018,168 3,112,416
Others 176,495 256,882 214,771 261,001 277,095 270,161 276,994 247,074 254,455 252,642
Treasury 523150, 522110 607,012 615,617 560,545 607,243 750,816 662,134 731,627 1,051,368 1,320,306 1,506,217
CF Template BNK
Scaling Thousands
Period Annual
Statement Data 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
Period End Date 31-12-2002 31-12-2003 31-12-2004 31-12-2005 31-12-2006 31-12-2007 31-12-2008 31-12-2009 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
Period End FX Rate 0.0001118568233 0.0001189060642 0.0001078748652 0.0001018848701 0.0001112842199 0.0001064962726 9.2165898618E-05 0.0001061571125 0.000111049417 0.0001103752759 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 6.4246707356E-05
Avg. FX Rate 0.0001078125436 0.0001168141946 0.0001121537329 0.0001032099169 0.0001092676158 0.0001094960206 0.0001043816703 9.709472506E-05 0.0001101806019 0.0001142579638 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 6.7430715277E-05
Segments - Geographic Line By Segment (Currency: US Dollar)

Field Name 31-12-2002 31-12-2003 31-12-2004 31-12-2005 31-12-2006 31-12-2007 31-12-2008 31-12-2009 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
Deposits - Total 20,146,133 19,311,421 26,023,349 30,881,445 35,793,789 38,581,103 33,814,129 36,179,786 34,360,988 39,356,617 42,839,325 43,813,010 50,358,795 59,421,926 67,972,403 66,203,134
Depreciation & Amortization 92,375 103,602 102,461 116,122 123,440 136,087 146,481 142,181 175,278 170,867 179,133
Equity Earnings - before Tax 37.63 -666.5 1,291.3
Income Taxes - Total 92,550 87,460 149,509 157,490 199,283 209,161 202,908
Inter-Bank Loans - Net 8,594,296 10,140,725 12,695,930 16,659,272 21,902,909 26,247,192 25,220,323 27,447,312 27,450,221 29,930,413 33,469,715 36,470,567 41,187,710 38,974,577 41,354,009 42,407,050
Interest & Dividend Income - Net - Finance 598,723 623,188 737,811 788,124 1,031,209 1,046,468 1,287,189 1,444,143 1,423,012 2,060,930 2,270,072
Interest Expense - Bank 907,776 798,521 549,177 574,088 837,893 738,887 724,913 779,980 851,010 883,232 817,998 756,931 991,001 838,996 777,972 892,198 807,093 945,864 775,850 664,091 555,343
Interest Income - Bank 1,506,500 1,421,709 1,286,988 1,362,213 1,869,103 1,785,356 2,012,102 2,224,122 2,274,022 2,944,162 3,088,071 3,302,599 3,691,946 3,521,585 3,790,663 4,016,436 3,992,446 4,514,563 4,513,535 4,591,245 4,868,091
Net Income - including Extraordinary Items 272,602 280,336 358,354 364,518 462,241 490,129 602,018
Net Income before Tax 507,887 522,037 661,537 699,290 804,926 867,608 1,173,118 1,558,674 1,573,069 1,717,736 1,750,563 1,695,358 1,942,909 2,178,023 2,300,934 2,566,595 2,316,515 2,717,612 3,402,417
Provision for Loan Losses 17,004 12,503 23,143 37,234 62,177 20,671 183,101 217,738 -36,697 20,757 51,497 193,392 188,119 262,069 343,068 196,757 188,375 325,014 802,772 652,511 305,202
Total Assets 13,023,439 15,737,590 16,059,128 15,261,528 19,634,476 23,177,214 22,592,867 29,938,413 35,985,686 42,115,683 45,965,315 40,778,181 44,586,696 43,068,542 50,188,505 55,256,998 57,324,345 66,153,139 76,542,754 86,134,439 84,375,891
Total Liabilities including Debt - Short-Term & Long-Term 11,805,038 14,295,855 14,587,860 13,685,075 17,661,854 21,038,725 20,486,877 27,019,964 32,187,341 37,434,914 40,505,017 35,434,758 38,169,901 36,399,058 41,599,606 45,315,085 46,486,111 53,301,853 63,048,305 71,541,435 69,794,503
Consolidated Segment Revenue - External & Intersegment 1,705.3 1,454.7 1,553.7 1,783.5 3,346.0 2,835.3 3,143.1 3,243.6 2,861.6 2,768.7
Deposits - Total 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Depreciation & Amortization 106.0 59.96 80.16 61.81 32.42 11.81 11.19 441.2 429.6 400.0 380.7
Equity Earnings - before Tax 767.6 -1,291.3
Income Taxes - Total 0.22 1.52 2.92 1.96 -1.42 236.5 0
Inter-Bank Loans - Net 217.5 0 0 0 0 0 0 4,955.3 15,596 16,968 18,302 18,509 25,114 31,382 36,417 59,317
Interest & Dividend Income - Net - Finance -9,640.5 260.9 765.7 1,700.6 2,457.8 2,429.2 2,587.3 2,542.1 2,375.9 1,865.0 1,716.6
Interest Expense - Bank 11,827 675.1 152.4 0 0 0 0 0 0 0 0 0 0 93.02 238.6 285.6 543.8 503.2 291.4 167.9 1,073.4
Interest Income - Bank 2,186.2 935.9 918.1 1,700.6 2,457.8 2,429.2 2,587.3 2,542.1 2,375.9 1,865.0 1,716.6 1,705.3 1,454.7 1,646.7 2,022.1 2,084.2 2,492.1 2,514.8 1,908.3 1,683.4 3,184.4
Net Income - including Extraordinary Items 1,409.7 -1,050.2 24.79 6,769.2 1,347.5 1,426.3 904.6
Net Income before Tax 27.70 6,771.2 1,346.1 1,662.8 904.6 912.8 665.6 -2,622.5 -2,139.6 -317.8 -435.2 125.0 538.8 1,249.0 740.5 1,166.0 1,059.0 702.1 611.6
Provision for Loan Losses 178.2 750.1 283.0 -86.49 -50.92 0 0 0 0 -2,399.4 1,844.4 918.6 855.8 217.4 0 0 -9.99 -136.8 31.62 32.75 31.22
Total Assets 97,879 107,842 32,441 39,618 40,433 39,507 40,300 39,540 40,862 37,557 36,159 36,340 35,590 48,816 51,937 55,916 52,208 56,466 64,815 65,188 91,290
Total Liabilities including Debt - Short-Term & Long-Term 28,970 48,243 1,401.6 1,357.2 2,288.2 1,027.9 731.3 803.8 450.2 572.1 408.3 603.2 597.6 13,377 15,590 17,777 13,978 17,105 24,197 21,636 48,712
Deposits - Total 20,146,133 19,311,421 26,023,349 30,881,445 35,793,789 38,581,103 33,814,129 36,179,786 34,360,988 39,356,617 42,839,325 43,813,010 50,358,795 59,421,926 67,972,403 66,203,134
Equity Earnings - before Tax 37.63 101.0 0
International Assets 97,879 107,842 32,441 39,618 40,433 39,507 40,300 39,540 40,862 37,557 36,159 36,340 35,590 48,816 51,937 55,916 52,208 56,466 64,815 65,188 91,290
International Operating Income 27.70 6,771.2 1,346.1 1,662.8 904.6 912.8 665.6 -2,622.5 -2,139.6 -317.8 -435.2 125.0 538.8 1,249.0 740.5 1,166.0 1,059.0 702.1 611.6
International Sales 1,705.3 1,454.7 1,553.7 1,783.5 3,346.0 2,835.3 3,143.1 3,243.6 2,861.6 2,768.7
Total Assets 13,121,318 15,845,432 16,091,569 15,301,146 19,674,908 23,216,721 22,633,166 29,977,954 36,026,548 42,153,240 46,001,474 40,814,521 44,622,285 43,117,357 50,240,442 55,312,913 57,376,553 66,209,605 76,607,568 86,199,627 84,467,181
CF Template BNK
Scaling Thousands
Period Annual
Statement Data 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
Period End Date 31-12-2002 31-12-2003 31-12-2004 31-12-2005 31-12-2006 31-12-2007 31-12-2008 31-12-2009 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
Segments - Geographic Line By Statement Item (Currency: US Dollar)

Field Name 31-12-2002 31-12-2003 31-12-2004 31-12-2005 31-12-2006 31-12-2007 31-12-2008 31-12-2009 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
Indonesia 907,776 798,521 549,177 574,088 837,893 738,887 724,913 779,980 851,010 883,232 817,998 756,931 991,001 838,996 777,972 892,198 807,093 945,864 775,850 664,091 555,343
Other Foreign 11,827 675.1 152.4 0 0 0 0 0 0 0 0 0 0 93.02 238.6 285.6 543.8 503.2 291.4 167.9 1,073.4
Indonesia 17,004 12,503 23,143 37,234 62,177 20,671 183,101 217,738 -36,697 20,757 51,497 193,392 188,119 262,069 343,068 196,757 188,375 325,014 802,772 652,511 305,202
Other Foreign 178.2 750.1 283.0 -86.49 -50.92 0 0 0 0 -2,399.4 1,844.4 918.6 855.8 217.4 0 0 -9.99 -136.8 31.62 32.75 31.22
Indonesia 8,594,296 10,140,725 12,695,930 16,659,272 21,902,909 26,247,192 25,220,323 27,447,312 27,450,221 29,930,413 33,469,715 36,470,567 41,187,710 38,974,577 41,354,009 42,407,050
Other Foreign 217.5 0 0 0 0 0 0 4,955.3 15,596 16,968 18,302 18,509 25,114 31,382 36,417 59,317
Total Assets 13,121,318 15,845,432 16,091,569 15,301,146 19,674,908 23,216,721 22,633,166 29,977,954 36,026,548 42,153,240 46,001,474 40,814,521 44,622,285 43,117,357 50,240,442 55,312,913 57,376,553 66,209,605 76,607,568 86,199,627 84,467,181
Indonesia 13,023,439 15,737,590 16,059,128 15,261,528 19,634,476 23,177,214 22,592,867 29,938,413 35,985,686 42,115,683 45,965,315 40,778,181 44,586,696 43,068,542 50,188,505 55,256,998 57,324,345 66,153,139 76,542,754 86,134,439 84,375,891
Other Foreign 97,879 107,842 32,441 39,618 40,433 39,507 40,300 39,540 40,862 37,557 36,159 36,340 35,590 48,816 51,937 55,916 52,208 56,466 64,815 65,188 91,290
Indonesia 507,887 522,037 661,537 699,290 804,926 867,608 1,173,118 1,558,674 1,573,069 1,717,736 1,750,563 1,695,358 1,942,909 2,178,023 2,300,934 2,566,595 2,316,515 2,717,612 3,402,417
Other Foreign 27.70 6,771.2 1,346.1 1,662.8 904.6 912.8 665.6 -2,622.5 -2,139.6 -317.8 -435.2 125.0 538.8 1,249.0 740.5 1,166.0 1,059.0 702.1 611.6
Indonesia 598,723 623,188 737,811 788,124 1,031,209 1,046,468 1,287,189 1,444,143 1,423,012 2,060,930 2,270,072
Other Foreign -9,640.5 260.9 765.7 1,700.6 2,457.8 2,429.2 2,587.3 2,542.1 2,375.9 1,865.0 1,716.6
Deposits - Total 20,146,133 19,311,421 26,023,349 30,881,445 35,793,789 38,581,103 33,814,129 36,179,786 34,360,988 39,356,617 42,839,325 43,813,010 50,358,795 59,421,926 67,972,403 66,203,134
Indonesia 20,146,133 19,311,421 26,023,349 30,881,445 35,793,789 38,581,103 33,814,129 36,179,786 34,360,988 39,356,617 42,839,325 43,813,010 50,358,795 59,421,926 67,972,403 66,203,134
Other Foreign 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Indonesia 11,805,038 14,295,855 14,587,860 13,685,075 17,661,854 21,038,725 20,486,877 27,019,964 32,187,341 37,434,914 40,505,017 35,434,758 38,169,901 36,399,058 41,599,606 45,315,085 46,486,111 53,301,853 63,048,305 71,541,435 69,794,503
Other Foreign 28,970 48,243 1,401.6 1,357.2 2,288.2 1,027.9 731.3 803.8 450.2 572.1 408.3 603.2 597.6 13,377 15,590 17,777 13,978 17,105 24,197 21,636 48,712
Indonesia 1,506,500 1,421,709 1,286,988 1,362,213 1,869,103 1,785,356 2,012,102 2,224,122 2,274,022 2,944,162 3,088,071 3,302,599 3,691,946 3,521,585 3,790,663 4,016,436 3,992,446 4,514,563 4,513,535 4,591,245 4,868,091
Other Foreign 2,186.2 935.9 918.1 1,700.6 2,457.8 2,429.2 2,587.3 2,542.1 2,375.9 1,865.0 1,716.6 1,705.3 1,454.7 1,646.7 2,022.1 2,084.2 2,492.1 2,514.8 1,908.3 1,683.4 3,184.4
Indonesia 92,550 87,460 149,509 157,490 199,283 209,161 202,908
Other Foreign 0.22 1.52 2.92 1.96 -1.42 236.5 0
Indonesia 272,602 280,336 358,354 364,518 462,241 490,129 602,018
Other Foreign 1,409.7 -1,050.2 24.79 6,769.2 1,347.5 1,426.3 904.6
Equity Earnings - before Tax 37.63 101.0 0
Indonesia 37.63 -666.5 1,291.3
Other Foreign 767.6 -1,291.3
International Operating Income 27.70 6,771.2 1,346.1 1,662.8 904.6 912.8 665.6 -2,622.5 -2,139.6 -317.8 -435.2 125.0 538.8 1,249.0 740.5 1,166.0 1,059.0 702.1 611.6
International Assets 97,879 107,842 32,441 39,618 40,433 39,507 40,300 39,540 40,862 37,557 36,159 36,340 35,590 48,816 51,937 55,916 52,208 56,466 64,815 65,188 91,290
Indonesia 92,375 103,602 102,461 116,122 123,440 136,087 146,481 142,181 175,278 170,867 179,133
Other Foreign 106.0 59.96 80.16 61.81 32.42 11.81 11.19 441.2 429.6 400.0 380.7
Indonesia 2,545,668 2,700,945 2,682,589 3,012,691 4,255,364 4,433,170 5,064,774 5,186,178 5,489,127 5,895,822
Other Foreign 1,705.3 1,454.7 1,553.7 1,783.5 3,346.0 2,835.3 3,143.1 3,243.6 2,861.6 2,768.7
International Sales 1,705.3 1,454.7 1,553.7 1,783.5 3,346.0 2,835.3 3,143.1 3,243.6 2,861.6 2,768.7
Company Fundamentals - Income Statement
CF Template BNK
Scaling Thousands
Period Annual
Statement Data 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
Period End Date 31-12-2002 31-12-2003 31-12-2004 31-12-2005 31-12-2006 31-12-2007 31-12-2008 31-12-2009 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 IDR IDR IDR IDR IDR IDR IDR IDR
Income Statement - Standardized (Currency: US Dollar)
Field Name 31-12-2002 31-12-2003 31-12-2004 31-12-2005 31-12-2006 31-12-2007 31-12-2008 31-12-2009 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
Interest & Dividend Income/(Expense) - Net - Finance 589,083 623,449 738,577 789,825 1,033,667 1,048,898 1,289,776 1,446,685 1,425,388 2,062,795 2,271,789 2,547,374 2,702,400 2,684,142 3,014,474 3,126,036 3,187,302 3,571,717 3,739,301 3,928,669 4,314,858
Interest & Dividend Income - Finance - Total 1,508,686 1,422,645 1,287,906 1,363,913 1,871,560 1,787,785 2,014,690 2,226,664 2,276,398 2,946,027 3,089,787 3,304,304 3,693,401 3,523,231 3,792,685 4,018,520 3,994,938 4,517,078 4,515,443 4,592,929 4,871,275
Interest Income - Loans/Deposits 321,679 408,185 465,490 627,829 915,570 845,836 1,120,268 1,268,169 1,608,389 2,254,697 2,508,312 2,798,240 3,128,433 2,980,784 3,082,041 3,206,615 3,238,306 3,734,861 3,515,975 3,503,260 3,692,206
Interest & Fees on Loans & Receivables 284,974 384,657 438,948 571,596 833,984 804,327 1,058,313 1,233,487 1,478,737 1,824,461 2,213,337 2,535,890 2,839,716 2,775,522 2,956,694 3,027,766 3,103,801 3,552,500 3,263,608 3,060,448 3,158,308
Interest Income - Deposits to Other Financial Institutions 36,705 23,528 26,542 56,233 81,586 41,509 61,955 34,682 129,652 378,573 159,858 101,467 79,864 71,702 61,292 65,304 66,217 93,526 46,204 71,807 90,235
Interest Income - Collateralized Financing 51,663 135,117 160,882 208,854 133,560 64,055 113,545 68,287 88,835 206,162 371,004 443,662
Interest & Dividend Income - Investment Securities - Finance 1,164,650 988,036 786,339 681,649 859,837 847,012 803,899 866,651 649,157 645,052 544,832 470,042 527,107 504,028 666,919 759,409 678,833 712,525 939,551 1,030,594 1,100,842
Interest & Dividend Income - Investment Securities Available for Sale/Held to Maturity - Finance 926,279 577,157 426,584 488,770 628,608 505,501 478,803 410,491 407,517 645,052 544,832 470,042 527,107 504,028 666,919 759,409 678,833 712,525 939,551 1,030,594 1,100,842
Interest & Dividend Income - Trading Account Assets - Finance 238,372 410,879 359,755 192,879 231,229 341,511 325,096 456,160 241,640
Interest & Dividend Income - Other - Finance 22,356 26,424 36,077 54,435 96,154 94,937 90,523 91,844 18,852 46,277 36,643 36,022 37,861 38,419 43,725 52,497 77,800 69,692 59,917 59,075 78,227
Interest Expense - Finance - Total 919,603 799,196 549,329 574,088 837,893 738,887 724,913 779,980 851,010 883,232 817,998 756,931 991,001 839,089 778,211 892,484 807,636 945,360 776,142 664,259 556,417
Interest Expense - Operational Financing - Business 904,336 794,394 542,706 567,223 831,835 728,204 712,927 775,091 846,129 879,756 809,819 747,621 962,341 811,626 750,321 862,945 781,583 915,724 753,732 649,408 542,182
Interest Expense - Deposits 878,759 761,683 506,238 533,729 800,468 686,637 665,447 727,320 779,517 798,096 713,612 653,302 869,818 724,231 658,560 769,096 686,462 811,904 634,986 519,306 396,806
Interest Expense - Collateralized Financing 93.02 2,122.4 396.7 553.4 2,681.3 1,968.6 38.00 467.6
Interest Expenses - Other - Total 25,576 32,710 36,468 33,494 31,368 41,567 47,480 47,771 66,612 81,661 96,207 94,319 92,523 87,302 89,639 93,453 94,568 101,139 116,778 130,064 144,908
Interest Expense - External Financing Business 15,268 4,802.7 6,622.9 6,865.4 6,057.8 10,684 11,986 4,888.0 4,881.0 3,475.6 8,179.3 9,310.1 28,660 27,463 27,889 29,539 26,053 29,636 22,410 14,852 14,235
Non-Interest Business Revenue/(Expense) - Net - Total 107,144 130,927 160,577 167,398 207,710 249,071 338,617 285,305 599,682 735,080 648,016 720,697 684,989 782,958 883,504 911,012 1,041,803 1,207,477 1,205,622 1,221,382 1,205,055
Net Commission & Fees Income/(Expense) - Business Revenue 90,963 115,603 137,652 153,406 178,436 216,392 265,014 270,018 440,648 520,409 583,328 608,268 614,708 625,282 707,056 776,219 844,237 962,911 908,557 1,027,360 1,118,244
Fees & Commissions Income 90,963 115,603 137,652 153,406 178,436 216,392 265,014 270,018 440,648 520,409 583,328 608,270 615,089 625,591 707,056 776,219 844,237 962,911 908,557 1,027,360 1,118,244
Fees & Commissions Expense 1.06 381.2 309.8
Net Foreign Exchange Income/(Expense) - Business Revenue 16,438 18,581 22,364 21,750 21,751 26,017 71,710 -13,186 7,061.3
Investments & Loans - Business - Gain/(Loss) -859.9 -3,219.9 753.9 -8,953.1 7,128.6 6,609.8 -1,506.1 29,970 224,396 132,419 64,687 112,428 70,281 157,677 176,448 134,793 197,566 244,566 297,064 194,022 86,811
Investment Securities - Business - Gain/(Loss) -859.9 -3,219.9 753.9 -8,953.1 7,128.6 6,609.8 -1,506.1 3,019.2 191,240 73,564 17,419 33,131 43,315 129,669 37,036 77,317 187,968 40,410 77,399 100,159 -94,253
Investments Securities - Available for Sale/Held to Maturity - Realized Gain/(Loss) 12,095 1,858.9 6,102.8 -1,656.5 0 -1,521.5
Trading Investments/Trading Account Income - Gain/(Loss) -859.9 -3,219.9 753.9 -21,048 5,269.8 507.1 150.4 3,019.2 192,761 73,564 17,419 33,131 43,315 129,669 37,036 77,317 187,968 40,410 77,399 100,159 -94,253
Trading Investments - Realized Gain/(Loss) 753.9 150.4 -3,736.0 192,761 65,106 29,908 11,473 28,197 71,078 49,157 54,472 48,233 73,617 138,918 76,697 7,365.1
Trading Investments - Unrealized Gain/(Loss) 5,269.8 507.1 0 6,755.2 0 8,457.7 -12,489 21,657 15,117 58,591 -12,121 22,845 139,735 -33,206 -61,519 23,462 -101,618
Derivatives - Hedging - Business - Gain/(Loss) 26,951 33,156 58,856 47,268 79,297 26,966 28,008 139,412 57,476 9,597.8 204,156 219,665 93,864 181,064
Derivatives - Hedging - Business - Realized Gain/(Loss) 26,951 33,156 58,856 47,268 79,297 26,966 28,008 139,412 57,476 9,597.8 204,156 219,665 93,864 181,064
Business-Related Financing Revenue - Other 602.8 -37.38 -192.8 1,195.7 394.5 53.00 3,399.1 -1,496.8 -72,423 82,252
Revenue from Business Activities - Total 696,227 754,375 899,154 957,223 1,241,377 1,297,969 1,628,393 1,731,990 2,025,070 2,797,874 2,919,805 3,268,070 3,387,389 3,467,101 3,897,979 4,037,049 4,229,105 4,779,195 4,944,923 5,150,052 5,519,913
Operating Expenses
Provision & Impairment for Loan Losses 65,373 180,454 162,523 255,568 358,021 162,006 206,303 330,230 710,736 648,252 295,047
Selling, General & Administrative Expenses - Total 326,917 383,345 392,471 422,958 542,329 627,389 690,625 801,287 1,029,095 1,219,464 1,348,344 1,373,779 1,485,272 1,541,790 1,644,043 1,766,872 1,771,306 1,942,055 1,817,691 1,888,324 1,958,316
Selling, General & Administrative Expenses - Unclassified 129,076 145,456 185,146 204,418 267,424 313,113 347,839 394,789 528,367 624,825 401,360 413,074 448,108 492,961 526,489 608,179 590,460 640,780 553,118 599,371 655,270
Labor & Related Expenses including Stock-Based Compensation in Selling, General & Administrative Expenses 162,881 198,165 207,325 218,540 274,905 314,276 342,786 406,498 500,728 594,639 658,381 661,746 731,648 728,006 799,507 847,169 854,566 943,727 921,670 943,902 920,528
Depreciation in Selling, General & Administrative Expenses 34,960 39,724 86,230 95,770 92,131 102,059 107,857 116,376 117,335 119,856 154,683 149,636 160,311
Amortization of Intangibles in Selling, General & Administrative Expenses 10,109 7,891.6 10,411 14,125 15,615 19,722 29,157 22,766 21,025 21,631 19,202
Selling, General & Administrative Expenses - Other - Total 192,263 195,297 202,975 204,639 194,575 175,425 179,789 214,925 167,195 173,784 203,004
Advertising Expense 88,805 75,933 84,420 81,329 76,356 74,582 78,038 79,133 60,071 67,500 88,912
Property & Other Taxes 11,071 9,932.0 12,165 9,747.5
Rental Expense 103,458 107,576 105,307 105,415 100,233 100,843 101,751 100,501 75,339 71,131 75,685
Other Operating Expense/(Income) - Net -15,093 -25,093 -17,851 -20,320 -21,772 -45,723 -47,710 -114,174 -120,288 -4,746.4 -26,600 -5,197.8 9,244.7 -28,122 -48,947 -85,833 -36,803 -62,709 98,688 -110,620 -137,242
Other Operating Income - Total 15,093 25,093 33,019 38,009 38,345 62,625 67,923 131,663 144,309 32,134 33,991 45,398 76,450 115,581 146,941 221,661 206,900 288,722 244,499 341,937 378,677
Other Operating Expense 15,169 17,689 16,572 16,902 20,213 17,489 24,020 27,388 27,228 36,689 59,407 83,122 114,362 115,808 174,660 232,780 251,353 232,807 232,014
Operating Provisions - Increase/(Decrease) -19,837 3,512.1 26,287 4,335.9 -16,368 20,020 -4,562.7 -6,766.7 91,834 -1,490.1 9,421.5
Operating Expenses - Total 311,824 358,252 374,621 402,639 520,556 581,666 642,915 687,113 908,807 1,214,718 1,387,117 1,549,035 1,657,040 1,769,235 1,953,116 1,843,045 1,940,806 2,209,575 2,627,114 2,425,956 2,116,120
Operating Profit
Operating Profit before Non-Recurring Income/Expense 384,403 396,123 524,533 554,585 720,821 716,303 985,478 1,044,877 1,116,263 1,583,157 1,532,688 1,719,035 1,730,349 1,697,866 1,944,863 2,194,004 2,288,300 2,569,619 2,317,808 2,724,096 3,403,793
Non-Operating Expenses
Other Non-Operating Income/(Expense) - Total -2,562.8 -16,858 5,643.0 2,774.0 2,131.6 3,672.7 2,830.2 40,682 19,757 36,789 46,047 8,727.3 19,943
Supplementary Adjustments - Non-Operating- Decrease/(Increase) -3,881.5 -2,289.6 -5,813.6 -12,346 -6,329.3 -7,705.2 -5,442.0 -28,196 -19,757
Normalized Pre-tax Profit 381,840 379,265 530,176 557,359 722,952 719,976 988,308 1,085,558 1,136,020 1,619,946 1,578,735 1,727,762 1,750,292 1,697,866 1,944,863 2,194,004 2,288,300 2,569,619 2,317,808 2,724,096 3,403,793
Non-Recurring Income/Expense
Non-Recurring Income/(Expense) - Total -15,270 -12,502 -22,262 -28,550 -60,069 -19,023 -182,477 -217,037 37,763 -63,894 -7,805.0 -10,344 -164.4 -2,383.1 -1,415.5 -14,732 13,375 -1,858.0 -234.2 -5,781.5 -764.8
Impairment - Financial Investments 17,182 13,253 23,426 37,148 62,126 20,671 183,101 217,738 -36,697 63,894 7,805.0 10,344 164.4 2,383.1 1,415.5 14,732 -13,375 1,414.3 234.2 5,781.5 764.8
Sale & Acquisition of Group Companies - Gain/(Loss) -443.7
Non-Recurring Income/(Expense) - Other - Total 1,911.8 751.1 1,163.7 8,597.1 2,056.6 1,648.2 623.6 700.9 1,065.8
Pre-Tax Income
Income before Taxes 366,570 366,763 507,914 528,808 662,883 700,953 805,831 868,521 1,173,784 1,556,052 1,570,930 1,717,418 1,750,127 1,695,483 1,943,448 2,179,273 2,301,675 2,567,761 2,317,574 2,718,314 3,403,028
Taxes
Income Taxes 92,550 87,461 149,512 157,492 199,282 209,398 202,908 207,574 239,532 320,032 317,435 343,122 356,879 345,826 391,629 436,291 482,376 546,188 443,334 517,963 654,851
Income Taxes for the Year - Current 898.0 1,313.5 156,791 153,028 210,619 212,206 244,511 246,614 248,484 300,359 336,060 383,023 383,841 375,782 420,724 430,672 465,133 580,447 516,945 570,532 702,584
Income Taxes - Deferred 91,652 86,148 -7,278.9 4,463.9 -11,337 -2,808.2 -41,603 -39,040 -8,952.0 19,673 -18,625 -39,901 -26,961 -29,956 -29,095 5,619.6 17,242 -34,259 -73,611 -52,569 -47,734
Net Income After Tax
Net Income after Tax 274,020 279,301 358,402 371,316 463,602 491,555 602,923 660,947 934,251 1,236,020 1,253,494 1,374,296 1,393,248 1,349,657 1,551,819 1,742,981 1,819,299 2,021,574 1,874,240 2,200,351 2,748,177
After Tax Income/Expense
Income before Discontinued Operations & Extraordinary Items 274,020 279,301 358,402 371,316 463,602 491,555 602,923 660,947 934,251 1,236,020 1,253,494 1,374,296 1,393,248 1,349,657 1,551,819 1,742,981 1,819,299 2,021,574 1,874,240 2,200,351 2,748,177
Net Income before Minority Interest 274,020 279,301 358,402 371,316 463,602 491,555 602,923 660,947 934,251 1,236,020 1,253,494 1,374,296 1,393,248 1,349,657 1,551,819 1,742,981 1,819,299 2,021,574 1,874,240 2,200,351 2,748,177
Minority Interest 8.52 15.54 23.89 29.00 12.78 0 0 -172.6 -348.4 232.1 2,178.0 1,280.8 1,996.5 833.8 -245.9 348.2 1,104.6 1,224.7 1,338.5
Net Income
Net Income after Minority Interest 274,011 279,286 358,378 371,287 463,589 491,555 602,923 660,947 934,251 1,236,192 1,253,843 1,374,064 1,391,070 1,348,376 1,549,822 1,742,147 1,819,545 2,021,225 1,873,135 2,199,127 2,746,839
Income Available to Common Shares 274,011 279,286 358,378 371,287 463,589 491,555 602,923 660,947 934,251 1,236,192 1,253,843 1,374,064 1,391,070 1,348,376 1,549,822 1,742,147 1,819,545 2,021,225 1,873,135 2,199,127 2,746,839
Other Comprehensive Income
Other Comprehensive Income - Starting Line 1,742,981 1,819,299 2,021,574 1,874,240 2,200,351 2,748,177
Other Comprehensive Income - Foreign Currency -136.3 1,993.2 -1,092.4 559.8 319.7 3,554.1
Other Comprehensive Income - Unrealized Investment Gain/(Loss) 140,110 -131,226 184,323 434,320 -80,106 -359,392
Other Comprehensive Income - Revaluation of Tangible & Intangible Assets -323.6 152,308 54,427 32.38 6.30 82,656
Other Comprehensive Income - Other -690.1 0
Other Comprehensive Income - Pension Related -63,545 28,846 -24,149 -102,449 116,684 -23,574
Other Comprehensive Income - Income Tax -19,018 12,145 -31,780 -63,942 -7,026.4 72,703
Other Comprehensive Income - Net of Tax - Total 56,397 64,067 181,729 268,521 29,877 -224,053
Comprehensive Income before Minority Interest - Total 1,799,378 1,883,366 2,203,302 2,142,761 2,230,229 2,524,124
Comprehensive Income - Attributable to Minority Interest - Total 907.0 -309.4 458.7 1,253.6 1,245.0 1,306.6
Comprehensive Income - Attributable to Parent Company Equity Holders - Total 1,798,471 1,883,676 2,202,843 2,141,507 2,228,984 2,522,818
Share/Per Share - Basic
Net Income - Basic - including Extraordinary Items Applicable to Common - Total 274,011 279,286 358,378 371,287 463,589 491,555 602,923 660,947 934,251 1,236,192 1,253,843 1,374,064 1,391,070 1,348,376 1,549,822 1,742,147 1,819,545 2,021,225 1,873,135 2,199,127 2,746,839
Income available to Common excluding Extraordinary Items 274,011 279,286 358,378 371,287 463,589 491,555 602,923 660,947 934,251 1,236,192 1,253,843 1,374,064 1,391,070 1,348,376 1,549,822 1,742,147 1,819,545 2,021,225 1,873,135 2,199,127 2,746,839
Shares used to calculate Basic EPS - Total 29,839,379 60,587,823 61,483,291 61,554,594 61,517,676 61,410,060 122,136,547 121,826,215 121,826,215 121,826,215 122,008,933 123,174,298 123,275,050 123,275,050 123,275,050 123,275,050 123,275,050 123,275,050 123,275,050 123,275,050 123,275,050
EPS - Basic - including Extraordinary Items Applicable to Common - Total 0.01 0 0.01 0.01 0.01 0.01 0 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.02 0.02 0.02 0.02
EPS - Basic - excluding Extraordinary Items Applicable to Common - Total 0.01 0 0.01 0.01 0.01 0.01 0 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.02 0.02 0.02 0.02
EPS - Basic - excluding Extraordinary Items - Normalized - Total 0.01 0 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.02 0.02 0.02 0.02
Allocated Net Income including Extraordinary Items Applicable to Common - Issue Specific 1,253,843 1,374,064 1,391,070 1,348,376 1,549,822 1,742,147 1,819,545 2,021,225 1,873,135 2,199,127 2,746,839
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 1.00
Shares used to calculate Basic EPS - Issue Specific 122,008,933 123,174,298 123,275,050 123,275,050 123,275,050 123,275,050 123,275,050 123,275,050 123,275,050 123,275,050 123,275,050
EPS - Basic - including Extraordinary Items Applicable to Common - Issue Specific 0.01 0 0.01 0.01 0.01 0.01 0 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.02 0.02 0.02 0.02
EPS - Basic - excluding Extraordinary Items Applicable to Common - Issue Specific 0.01 0 0.01 0.01 0.01 0.01 0 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.02 0.02 0.02 0.02
EPS - Basic - excluding Extraordinary Items - Normalized - Issue Specific 0.01 0 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.02 0.02 0.02 0.02
EPS - Basic from Discontinued Operations & Extraordinary Items 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Comprehensive Earnings Per Share - Basic - Issue Specific 0.01 0.02 0.02 0.02 0.02 0.02
Share/Per Share - Diluted
Net Income - Diluted - including Extraordinary Items Applicable to Common - Total 274,011 279,286 358,378 371,287 463,589 491,555 602,923 660,947 934,251 1,236,192 1,253,843 1,374,064 1,391,070 1,348,376 1,549,822 1,742,147 1,819,545 2,021,225 1,873,135 2,199,127 2,746,839
Diluted Income available to Common excluding Extraordinary Items 274,011 279,286 358,378 371,287 463,589 491,555 602,923 660,947 934,251 1,236,192 1,253,843 1,374,064 1,391,070 1,348,376 1,549,822 1,742,147 1,819,545 2,021,225 1,873,135 2,199,127 2,746,839
Shares used to calculate Diluted EPS - Total 30,288,254 61,144,624 61,616,238 61,626,029 61,530,442 61,410,060 122,136,547 121,826,215 121,826,215 121,826,215 122,008,933 123,174,298 123,275,050 123,275,050 123,275,050 123,275,050 123,275,050 123,275,050 123,275,050 123,275,050 123,275,050
EPS - Diluted - including Extraordinary Items Applicable to Common - Total 0.01 0 0.01 0.01 0.01 0.01 0 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.02 0.02 0.02 0.02
EPS - Diluted - excluding Extraordinary Items Applicable to Common - Total 0.01 0 0.01 0.01 0.01 0.01 0 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.02 0.02 0.02 0.02
EPS - Diluted - excluding Extraordinary Items - Normalized - Total 0.01 0 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.02 0.02 0.02 0.02
Allocated Diluted Net Income including Extraordinary Items Applicable to Common - Issue Specific 1,253,843 1,374,064 1,391,070 1,348,376 1,549,822 1,742,147 1,819,545 2,021,225 1,873,135 2,199,127 2,746,839
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 1.00
Shares used to calculate Diluted EPS - Issue Specific 122,008,933 123,174,298 123,275,050 123,275,050 123,275,050 123,275,050 123,275,050 123,275,050 123,275,050 123,275,050 123,275,050
EPS - Diluted - including Extraordinary Items Applicable to Common - Issue Specific 0.01 0 0.01 0.01 0.01 0.01 0 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.02 0.02 0.02 0.02
EPS - Diluted - excluding Extraordinary Items Applicable to Common - Issue Specific 0.01 0 0.01 0.01 0.01 0.01 0 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.02 0.02 0.02 0.02
EPS - Diluted - excluding Extraordinary Items - Normalized - Issue Specific 0.01 0 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.01 0.02 0.02 0.02 0.02
EPS - Diluted from Discontinued Operations & Extraordinary Items 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Comprehensive Earnings Per Share - Diluted - Issue Specific 0.01 0.02 0.02 0.02 0.02 0.02
Share/Per Share - Dividends
DPS - Common - Gross - Issue - By Announcement Date 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.01 0.01 0.01 0.01
DPS - Common - Net - Issue - By Announcement Date 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0.01 0.01 0.01
EBIT/EBITDA & related
Earnings before Interest & Taxes (EBIT) 384,403 396,123 524,533 554,585 720,821 716,303 985,478 1,044,877 1,116,263 1,583,157 1,532,688 1,719,035 1,730,349 1,697,866 1,944,863 2,194,004 2,288,300 2,569,619 2,317,808 2,724,096 3,403,793
Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) 419,363 435,847 556,978 584,509 760,964 758,323 1,034,182 1,112,797 1,201,358 1,682,758 1,629,027 1,822,697 1,832,890 1,814,050 2,068,335 2,330,103 2,434,792 2,712,242 2,493,516 2,895,363 3,583,306
Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) and Operating Lease Payments 451,964 468,652 590,213 621,962 811,960 817,024 1,096,146 1,178,756 1,290,104 1,784,970 1,732,485 1,930,273 1,938,198 1,919,465 2,168,568 2,430,945 2,536,543 2,812,743 2,568,855 2,966,495 3,658,992
Depreciation/Amortization - Income Statement
Depreciation & Amortization - Supplemental 34,960 39,724 32,445 29,925 40,144 42,020 48,704 67,920 85,095 99,602 96,339 103,662 102,542 116,184 123,472 136,099 146,492 142,622 175,708 171,267 179,513
Depreciation Expense - Total - Supplemental 34,960 39,724 32,445 29,925 40,144 42,020 38,496 51,950 68,112 78,663 86,230 95,770 92,131 102,059 107,857 116,376 117,335 119,856 154,683 149,636 160,311
Amortization - Total - Supplemental 10,208 15,970 16,983 20,939 10,109 7,891.6 10,411 14,125 15,615 19,722 29,157 22,766 21,025 21,631 19,202
Intangible Amortization - Other - Supplemental 29,157 22,766 21,025 21,631 19,202
Amortization of Computer Software - Supplemental 29,157 22,766 21,025 21,631 19,202
Depreciation/Amortization - Total
Depreciation, Depletion & Amortization - Total 34,960 39,724 32,445 29,925 40,144 42,020 48,704 67,920 85,095 99,602 96,339 103,662 102,542 116,184 123,472 136,099 146,492 142,622 175,708 171,267 179,513
Depreciation - Total 34,960 39,724 32,445 29,925 40,144 42,020 38,496 51,950 68,112 78,663 86,230 95,770 92,131 102,059 107,857 116,376 117,335 119,856 154,683 149,636 160,311
Amortization of Intangible Assets including Goodwill - Total 10,208 15,970 16,983 20,939
Amortization of Intangible Assets excluding Goodwill - Total 10,109 7,891.6 10,411 14,125 15,615 19,722 29,157 22,766 21,025 21,631 19,202
Labor & Related Expenses
Labor & Related Expenses - Total 162,881 198,165 207,325 218,540 274,905 314,276 342,786 406,498 500,728 594,639 658,381 661,746 731,648 728,006 799,507 847,169 854,566 943,727 921,670 943,902 920,528
Labor & Related Expenses - Supplemental 162,881 198,165 207,325 218,540 274,905 314,276 342,786 406,498 500,728 594,639 658,381 661,746 731,648 728,006 799,507 847,169 854,566 943,727 921,670 943,902 920,528
Normalized
Normalized after Tax Profit 289,290 291,803 380,664 399,867 523,671 510,578 785,400 877,984 896,488 1,299,914 1,261,299 1,384,641 1,393,412 1,352,040 1,553,234 1,757,713 1,805,924 2,023,432 1,874,474 2,206,133 2,748,942
Normalized Net Income from Continuing Operations 289,290 291,803 380,664 399,867 523,671 510,578 785,400 877,984 896,488 1,299,914 1,261,299 1,384,641 1,393,412 1,352,040 1,553,234 1,757,713 1,805,924 2,023,432 1,874,474 2,206,133 2,748,942
Normalized Net Income - Bottom Line 289,281 291,788 380,640 399,838 523,658 510,578 785,400 877,984 896,488 1,300,086 1,261,648 1,384,408 1,391,234 1,350,759 1,551,238 1,756,879 1,806,170 2,023,083 1,873,370 2,204,908 2,747,604
Earnings before Interest & Taxes (EBIT) - Normalized 381,840 379,265 530,176 557,359 722,952 719,976 988,308 1,085,558 1,136,020 1,619,946 1,578,735 1,727,762 1,750,292 1,697,866 1,944,863 2,194,004 2,288,300 2,569,619 2,317,808 2,724,096 3,403,793
Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) - Normalized 416,800 418,989 562,621 587,283 763,096 761,996 1,037,012 1,153,479 1,221,116 1,719,547 1,675,074 1,831,424 1,852,833 1,814,050 2,068,335 2,330,103 2,434,792 2,712,242 2,493,516 2,895,363 3,583,306
Loan Losses
Loan Losses - Net -4,264.6 -19,258 -24,697 -39,531 -34,216 32,687 49,884 62,599 75,769 82,104 165,413 206,708
Loan Recoveries - Actual 53.57 902.6 1,261.1 5,951.3 6,192.5 4,572.4 5,479.0 4,690.3 10,996 17,576 10,358 2,194.4
Loan Losses - Actual -4,211.1 -18,356 -23,436 -33,580 -28,023 37,260 55,363 67,289 86,765 99,680 175,771 208,902 219,998 271,617 213,830
Other
Rental/Operating Lease Expense 32,601 32,805 33,235 37,453 50,996 58,701 61,964 65,959 88,746 102,212 103,458 107,576 105,307 105,415 100,233 100,843 101,751 100,501 75,339 71,131 75,685
Advertising Expenses - Supplemental 13,847 19,133 24,921 27,516 38,156 46,781 49,768 47,593 68,164 79,936 88,805 75,933 84,420 81,329 76,356 74,582 78,038 79,133 60,071 67,500 88,912
Interest & Dividend Income after Loan Loss Provision - Net - Finance 589,083 623,449 738,577 789,825 1,033,667 1,048,898 1,289,776 1,446,685 1,425,388 2,062,795 2,206,416 2,366,920 2,539,877 2,428,575 2,656,454 2,964,031 2,981,000 3,241,488 3,028,565 3,280,417 4,019,811
Revenue after Loan Provisions - Net - Finance 3,024,414 3,123,850 3,530,878 3,267,664 3,434,664 3,856,514 3,788,636 4,186,848 3,804,707 3,944,677 4,576,228
Foreign Exchange Gain/(Loss) 16,438 18,581 22,364 21,750 21,751 26,017 71,710 -13,186 7,061.3
Interest Expense 919,603 799,196 549,329 574,088 837,893 738,887 724,913 779,980 851,010 883,232 817,998 756,931 991,001 839,089 778,211 892,484 807,636 945,360 776,142 664,259 556,417
Investment Gain/(Loss) -859.9 -3,219.9 753.9 -8,953.1 7,128.6 6,609.8 -1,506.1 29,970 224,396 132,419 64,687 112,428 70,281 157,677 176,448 134,793 197,566 244,566 297,064 194,022 86,811
Non-Interest Expense - Bank 1,283,502 1,370,198 1,474,739 1,516,050 1,596,511 1,695,771 1,721,128 1,881,203 1,916,613 1,783,486 1,821,838
Operating Expenses 311,824 358,252 374,621 402,639 520,556 581,666 642,915 687,113 908,807 1,214,718 1,387,117 1,549,035 1,657,040 1,769,235 1,953,116 1,843,045 1,940,806 2,209,575 2,627,114 2,425,956 2,116,120
Selling, General & Administrative Expenses excluding Research & Development Expenses 326,917 383,345 392,471 422,958 542,329 627,389 690,625 801,287 1,029,095 1,219,464 1,348,344 1,373,779 1,485,272 1,541,790 1,644,043 1,766,872 1,771,306 1,942,055 1,817,691 1,888,324 1,958,316
Company Fundamentals - Balance Sheet
CF Template BNK
Scaling Thousands
Period Annual
Statement Data 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
Period End Date 31-12-2002 31-12-2003 31-12-2004 31-12-2005 31-12-2006 31-12-2007 31-12-2008 31-12-2009 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
Avg. FX Rate
Balance Sheet - Standardized (Currency: US Dollar)
Field Name 31-12-2002 31-12-2003 31-12-2004 31-12-2005 31-12-2006 31-12-2007 31-12-2008 31-12-2009 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
Cash & Short-Term Deposits Due from Banks - Total 960,329 1,106,775 1,425,217 1,910,890 2,658,174 3,040,221 1,886,408 2,163,103 3,356,417 4,661,887 4,662,742 4,239,574 4,721,547 4,035,113 4,197,519 4,439,885 4,538,418 5,282,859 3,689,780 6,273,740 8,061,022
Cash & Short-Term Deposits Due from Banks 396,326 415,273 321,148 379,623 610,360 817,436 995,292 941,099 1,070,412 1,143,004 1,147,893 1,339,156 1,581,387 1,294,847 1,183,657 1,235,112 1,508,970 1,831,513 1,732,360 1,657,238 1,372,278
Funds with Central Banks 564,003 691,502 1,104,069 1,531,267 2,047,814 2,222,785 891,116 1,222,004 2,286,006 3,518,882 3,514,849 2,900,418 3,140,160 2,740,267 3,013,863 3,204,773 3,029,448 3,451,345 1,957,420 4,616,503 6,688,744
Lending & Long-Term Deposits Due from Banks 871,789 629,280 354,383 1,530,931 837,148 712,975 1,183,946 1,821,994 7,104,672 5,023,173 3,456,437 1,291,228 1,301,813 4,693,364 3,550,857 2,068,799 2,795,183 2,987,749 4,232,429 6,930,094 2,321,174
Inter-Bank Loans & Long-Term Deposits with Other Banks 871,789 629,280 354,383 1,530,931 837,148 712,975 1,183,946 1,821,994 7,104,672 5,023,173 3,456,437 1,291,228 1,301,813 4,693,364 3,550,857 2,068,799 2,795,183 2,987,749 4,232,429 6,930,094 2,321,174
Collateralized Agreements, Reverse REPOs & Securities Borrowed - Assets 34,130 35,911 41,106 76,261 0 71,055 348,288 2,340,084 3,577,210 3,376,330 2,123,559 37,367 189,094 682,548 640,882 689,882 10,457,211 10,320,341 9,891,751
Securities Purchased under REPOs & Federal Funds Sold 34,130 35,911 41,106 76,261 0 71,055 348,288 2,340,084 3,577,210 3,376,330 2,123,559 37,367 189,094 682,548 640,882 689,882 10,457,211 10,320,341 9,891,751
Securities Purchased under REPOs 34,130 35,911 41,106 76,261 0 71,055 348,288 2,340,084 3,577,210 3,376,330 2,123,559 37,367 189,094 682,548 640,882 689,882 10,457,211 10,320,341 9,891,751
Loans & Receivables - Total 2,332,566 3,427,054 4,303,383 5,457,422 6,760,812 8,745,291 10,275,115 12,898,385 17,036,136 22,505,480 27,029,950 25,997,507 28,460,263 28,413,059 31,106,549 34,920,313 37,964,738 42,948,426 40,516,306 42,811,190 43,836,607
Banking Related Loans - Net 2,332,566 3,427,054 4,303,383 5,457,422 6,760,812 8,745,291 10,275,115 12,898,385 17,036,136 22,364,906 26,827,791 25,780,991 28,199,603 28,228,702 30,822,500 34,432,709 37,366,428 42,378,612 39,940,023 42,368,245 43,457,814
Loans - Gross 2,424,228 3,532,697 4,419,823 5,594,891 6,953,783 8,924,860 10,529,260 13,355,455 17,469,940 22,785,941 27,244,968 26,250,619 28,759,182 28,907,495 31,776,501 35,441,784 38,341,201 43,497,341 41,928,233 44,700,841 45,696,238
Loans - Consumer & Installment 711,099 2,068,437 7,597,970 930,186 1,544,191 1,306,313 1,281,030 1,305,735 1,489,252 1,745,839 1,565,770 1,600,030 1,405,130
Loans - Finance Lease & HP 74,430 135,561 704,369 132,248 185,870 228,773 269,241 322,482 353,223 417,723 403,885 444,453 494,684
Loans - Commercial & Industrial 3,634,294 8,325,261 10,858,119 17,379,501 18,792,167 19,288,222 21,178,072 23,706,413 26,055,454 30,117,194 29,687,698 31,666,524 32,619,452
Loans - to Customers - Other - Gross 7,497,140 7,327,285 7,624,119 7,456,578 8,320,329 9,289,665 9,387,710 9,924,033 8,789,771 8,999,001 9,042,702
Loans - Mortgage/Real Estate 587,370 481,399 612,834 627,607 727,829 817,489 1,055,561 1,292,552 1,481,110 1,990,833 2,134,270
Reserves for Loan Losses 91,662 105,643 116,440 137,469 192,972 179,569 254,145 457,071 433,805 421,035 417,176 469,628 559,580 678,792 954,001 1,009,075 974,773 1,118,729 1,988,209 2,332,597 2,238,423
Receivables - Other 140,574 202,159 216,516 260,661 184,356 284,049 487,605 598,310 569,814 576,283 442,945 378,793
Investments - Total 8,393,064 10,129,565 9,376,704 5,688,201 8,614,414 9,864,327 8,283,757 11,889,116 6,873,536 6,025,383 5,062,523 4,082,722 5,954,527 3,840,182 8,451,108 10,107,369 7,994,608 10,727,151 13,923,743 15,907,339 16,134,166
Investment Securities - Available for Sale, Held to Maturity & Held for Trading - Total 8,393,064 10,129,565 9,376,704 5,688,201 8,614,414 9,864,327 8,283,757 11,889,116 6,873,536 6,025,383 5,062,523 4,082,722 5,954,527 3,840,182 8,451,108 10,107,369 5,139,861 6,499,094 8,650,843 10,554,327 10,650,571
Investment Securities - Held for Trading 283,425 149,712 101,856 135,074 129,401 380,643 443,443 406,388 425,803 209,134 171,731 143,471
Investment Securities Available for Sale & Held to Maturity 8,393,064 10,129,565 9,376,704 5,688,201 8,614,414 9,864,327 8,283,757 11,889,116 6,873,536 4,733,473 6,073,291 8,441,709 10,382,597 10,507,100
Investment Securities - Available for Sale - Total 3,059,031 5,227,783 4,343,573 611,613 3,146,182 4,882,793 4,614,676 7,378,004 2,354,000 4,411,542 5,724,836 7,360,298 7,902,639 4,866,868
Government Securities - Available for Sale/Held to Maturity 1,276,841 1,576,240 5,421,040 5,829,494 7,951,578
Investment Securities - Other 5,741,958 4,912,811 3,980,867 5,819,453 3,710,781 8,070,465 9,663,927
Investments - Other - Total 2,854,747 4,228,057 5,272,900 5,353,011 5,483,595
Property, Plant & Equipment - Net - Total 231,639 224,555 208,754 207,286 247,271 241,197 243,759 315,421 378,341 457,468 665,278 611,844 714,453 704,535 1,261,383 1,243,564 1,345,176 1,502,327 1,560,901 1,555,740 1,587,496
Property, Plant & Equipment - Gross - Total 333,274 366,449 364,330 376,039 460,740 479,567 475,784 627,761 757,935 862,958 1,102,842 1,019,985 1,189,437 1,215,633 1,873,344 1,912,969 2,048,890 2,296,371 2,415,225 2,183,044 2,234,535
Property, Plant & Equipment - Accumulated Depreciation & Impairment - Total 101,635 141,893 155,576 168,752 213,470 238,370 232,025 312,340 379,594 405,490 437,564 408,141 474,984 511,098 611,961 669,404 703,714 794,044 854,324 627,303 647,039
Other Assets - Total 297,802 292,293 382,022 430,155 557,090 612,710 760,182 818,881 929,158 1,139,765 1,547,334 1,215,317 1,405,221 1,393,737 1,483,931 1,850,435 2,050,291 1,971,970 2,111,128 2,290,144 2,534,283
Deferred Charges 96,046 111,205 58,390 46,335 56,453
Deferred Tax - Asset - Long-Term & Short-Term 108,704 27,864 32,280 26,705 39,457 40,059 71,031 111,119 105,693 88,122 95,514 146,340 217,583 234,022 263,455 237,320 218,968 229,416 347,630 387,756 470,371
Other Assets 189,098 264,428 349,741 403,450 517,632 572,651 689,151 707,762 823,465 1,051,643 1,451,820 1,068,977 1,187,638 1,159,716 1,220,476 1,613,115 1,735,278 1,631,349 1,705,108 1,856,054 2,007,459
Intangible Assets - Total - Net 47,258 99,240 116,070 111,038 100,682
Goodwill/Cost in Excess of Assets Purchased - Net 61,659 82,493 81,277 74,411
Intangible Assets - excluding Goodwill - Net - Total 37,581 33,577 29,761 26,272
Computer Software - Intangible Assets - Net 37,581 33,577 29,761 26,272
Intangible Assets - Gross - Total 124,030 201,857 239,007 253,050 248,775
Goodwill/Cost in Excess of Assets Purchased - Gross 11,661 61,659 82,493 81,277 74,411
Intangible Assets - excluding Goodwill - Gross 112,369 140,198 156,514 171,772 174,365
Computer Software - Intangible Assets - Gross 112,369 140,198 156,514 171,772 174,365
Intangible Assets - Accumulated Amortization & Impairment - Total 76,772
Intangible Assets - excluding Goodwill - Accumulated Amortization & Impairment - Total 102,617 122,937 142,012 148,093
Computer Software - Intangible Assets - Accumulated Amortization & Impairment 102,617 122,937 142,012 148,093
Total Assets
Total Assets 13,121,318 15,845,432 16,091,569 15,301,146 19,674,908 23,216,721 22,633,166 29,977,954 36,026,548 42,153,240 46,001,474 40,814,521 44,681,384 43,117,357 50,240,442 55,312,913 57,376,553 66,209,605 76,607,568 86,199,627 84,467,181
Liabilities
Deposits - Total 11,680,800 14,142,856 14,299,635 13,289,641 17,272,956 20,465,200 19,791,280 26,376,849 31,314,772 36,176,456 38,823,086 34,085,596 36,664,729 34,891,283 40,004,924 43,592,353 44,627,726 51,261,678 60,606,573 69,190,594 67,308,334
Deposits - Interest Bearing 79,432 110,263 100,473 89,906 275,828 99,158 106,758 89,306 111,675
Deposits - Customers - Total 11,601,368 14,032,592 14,199,162 13,199,736 16,997,128 20,146,133 19,311,421 26,023,349 30,881,445 35,793,789 38,581,103 33,814,129 36,361,477 34,589,792 39,641,083 43,167,848 44,175,935 50,777,711 59,882,701 68,487,633 66,798,459
Deposits - Savings - Customer 11,601,368 14,032,592 14,199,162 13,199,736 16,997,128 20,146,133 19,311,421 26,023,349 30,819,615 35,698,410 38,450,073 33,674,816 36,179,786 34,360,988 39,356,617 42,839,325 43,813,010 50,358,795 59,421,926 67,972,403 66,203,134
Deposits - Other - Customer 61,829 95,379 131,031 139,313 181,691 228,805 284,466 328,523 362,925 418,916 460,775 515,230 595,325
Deposits - Due to Banks & Financial Institutions 219,909 373,101 264,194 321,652 382,667 241,983 271,467 303,252 301,491 363,841 424,505 451,791 483,968 723,872 702,961 509,875
Deposits - Savings - Due to Banks & Financial Institutions 219,909 373,101 264,194 321,652 382,667 241,983 271,467 303,252 301,491 363,841 424,505 451,791 483,968 723,872 702,961 509,875
Debt - Total 55,787 56,106 98,076 119,995 82,123 172,074 95,296 119,921 174,181 213,047 275,171 298,832 451,118 333,907 390,161 276,250 200,440 309,340 170,806 142,835 133,178
Short-Term Debt & Current Portion of Long-Term Debt 0 4,598.3 102,423 54,471 216,771 315,977 232,583 149,577 212,847 91,582 103,378 87,569
Short-Term Debt & Notes Payable 0 4,598.3 2,800.3 10,004 7,093.6 3,346.9 8,159.2 0 5,405.0 16,445
Collateralized Financing Agreements, REPO Financing Loans - Liabilities 0 4,598.3 2,800.3 10,004 7,093.6 3,346.9 8,159.2 0 5,405.0 16,445
Securities Sold under Repurchase Agreements & Federal Funds Purchased 0 4,598.3 2,800.3 10,004 7,093.6 3,346.9 8,159.2 0 5,405.0 16,445
Securities Sold under Repurchase Agreements 2,800.3 10,004 7,093.6 3,346.9 8,159.2 0 5,405.0 16,445
Federal Funds Purchased 0 4,598.3
Current Portion of Long-Term Debt including Capitalized Leases 102,423 54,471 213,970 305,974 225,490 146,231 204,688 91,582 97,973 71,124
Current Portion of Long-Term Debt excluding Capitalized Leases 102,423 54,471 213,970 305,974 225,490 146,231 204,688 91,582 97,973 71,124
Debt - Long-Term - Total 55,787 56,106 98,076 119,995 82,123 172,074 90,697 119,921 174,181 213,047 275,171 196,409 396,647 117,136 74,184 43,666 50,862 96,494 79,224 39,457 45,609
Long-Term Debt excluding Capitalized Leases 55,787 56,106 98,076 119,995 82,123 172,074 90,697 119,921 174,181 213,047 275,171 196,409 396,647 117,136 74,184 43,666 50,862 96,494 79,224 39,457 45,609
Debt - Non-Convertible - Long-Term 55,787 56,106 98,076 119,995 82,123 172,074 90,697 119,921 174,181 213,047 275,171 196,409 396,647 117,136 74,184 43,666 50,862 96,494 79,224 39,457 45,609
Income Taxes - Payable - Long-Term & Short-Term 22,000 12,673 21,296 29,147 46,579 53,341 46,510 28,592 54,785 17,645 22,494 22,699 20,341 18,215 12,152 10,866 81,067 117,829 161,837 127,695 152,513
Deferred Tax & Investment Tax Credits - Long-Term 424.3 0 625.8
Deferred Tax - Liability - Long-Term 424.3 0 625.8
Payables & Accrued Expenses 52,632 62,019 69,793 90,023 113,676 159,044 255,535 271,683 330,625 407,626 583,681 474,378 505,672 552,301 687,364 835,413 1,045,275 1,010,257 1,249,304 1,296,772 1,312,546
Accrued Expenses 52,632 62,019 69,793 90,023 113,676 159,044 255,535 271,683 330,625 407,626 583,681 474,378 505,672 552,301 687,364 835,413 1,045,275 1,010,257 1,249,304 1,296,772 1,312,546
Derivative Liabilities - Hedging 232.0 1,042.7 1,473.0 8,900.1 1,976.5 3,325.5 7,409.6 1,302.0 1,349.3 4,899.9 5,033.6 9,335.2 1,187.6 5,385.1 9,066.8 3,969.3 13,143 7,655.6 9,883.0 3,871.0 24,624
Other Liabilities - Total 22,557 69,401 98,989 148,726 146,831 186,768 291,577 222,421 363,180 694,787 902,815 663,263 921,560 814,638 768,916 907,244 852,142 956,507 1,252,423 1,202,847 1,325,167
Provisions 248,504 296,429 289,953 542,082 497,268 458,066 479,638 445,639 573,132 687,053 509,270 483,214
Post Employment Benefits - Pension & Other 248,504 296,429 289,953 542,082 497,268 458,066 479,638 445,639 573,132 687,053 509,270 483,214
Other Liabilities 22,557 69,401 98,989 148,726 146,831 186,768 291,577 222,421 363,180 446,283 606,386 373,309 379,479 317,370 310,850 427,606 406,503 383,375 565,369 693,576 841,953
Total Liabilities
Total Liabilities 11,834,008 14,344,098 14,589,261 13,686,432 17,664,142 21,039,753 20,487,608 27,020,768 32,238,892 37,514,461 40,612,280 35,554,103 38,564,608 36,615,729 41,872,583 45,626,095 46,819,792 53,663,268 63,451,250 71,964,614 70,256,988
Shareholders' Equity
Shareholders' Equity - Attributable to Parent Shareholders - Total 1,287,238 1,501,242 1,502,201 1,614,585 2,010,612 2,176,968 2,145,559 2,957,186 3,787,656 4,636,083 5,381,804 5,252,106 6,097,590 6,483,092 8,346,925 9,679,584 10,550,239 12,539,116 13,147,886 14,225,457 14,199,718
Preferred Shareholders Equity 240.2 3,443.4 1,169.7 388.5
ESOP Guarantees - Preferred & Deferred Compensation 240.2 3,443.4 1,169.7 388.5
Common Equity Attributable to Parent Shareholders 1,286,998 1,497,799 1,501,031 1,614,197 2,010,612 2,176,968 2,145,559 2,957,186 3,787,656 4,636,083 5,381,804 5,252,106 6,097,590 6,483,092 8,346,925 9,679,584 10,550,239 12,539,116 13,147,886 14,225,457 14,199,718
Common Stock - Treasury/Repurchased 0 21,255 20,340 74,524 85,837 89,793 89,248 64,132 0
Common Equity - Contributed 583,140 639,592 584,169 553,166 605,038 579,007 501,094 577,163 603,761 600,096 616,549 584,333 573,949 515,451 527,505 522,662 493,211 510,801 504,980 497,538 455,504
Common Stock - Issued & Paid 168,275 182,257 165,901 156,891 171,482 164,104 142,022 163,582 171,120 170,081 160,014 126,722 124,470 111,784 114,398 113,597 107,196 111,019 109,753 108,136 99,000
Common Stock - Additional Paid in Capital including Option Reserve 414,865 457,334 418,268 396,275 433,556 414,902 359,072 413,581 432,641 430,015 456,535 457,611 449,479 403,667 413,107 409,066 386,016 399,782 395,226 389,402 356,504
Equity - Non-Contributed - Reserves & Retained Earnings 703,858 858,207 916,862 1,061,030 1,426,829 1,618,302 1,718,988 2,465,861 3,273,688 4,125,235 4,829,387 4,667,772 5,523,640 5,967,641 7,819,420 9,156,921 10,057,027 12,028,315 12,642,907 13,727,919 13,744,214
Retained Earnings - Total 563,683 715,736 775,304 931,546 1,286,053 1,480,952 1,690,312 2,398,203 3,168,927 4,026,343 4,717,366 4,681,714 5,504,104 5,948,669 7,313,571 8,551,397 9,430,974 11,175,471 11,434,550 12,602,211 12,911,034
Comprehensive Income - Accumulated - Total 21,617 16,442 27,220 21,496 22,825 24,474 28,676 67,658 104,761 98,892 112,021 -13,941 19,537 18,972 16,478 119,899 17,237 166,898 530,194 457,532 144,899
Investments - Unrealized Gain/Loss 0 -4,950.9 4,955.1 -1,455.5 1,344.7 2,376.3 3,482.2 44,895 82,633 76,756 89,000 -39,361 -6,023.6 -7,508.1 -9,796.7 93,943 -9,227.6 140,602 503,620 431,030 117,250
Foreign Currency Translation Adjustment - Accumulated 21,617 21,393 22,265 22,952 21,480 22,098 25,194 22,763 22,127 22,136 23,021 25,420 25,560 26,480 26,275 25,957 26,464 26,296 26,574 26,502 27,650
Other Reserves/Equity - Total 118,558 126,029 114,337 107,988 117,951 112,876 0 489,371 485,625 608,817 685,947 678,163 668,176 688,281
Common Equity - Total 1,286,998 1,497,799 1,501,031 1,614,197 2,010,612 2,176,968 2,145,559 2,957,186 3,787,656 4,636,083 5,381,804 5,252,106 6,097,590 6,483,092 8,346,925 9,679,584 10,550,239 12,539,116 13,147,886 14,225,457 14,199,718
Minority Interest - Equity 71.92 92.27 106.8 129.2 153.8 0 2,695.8 7,390.1 8,312.1 19,187 18,536 20,934 7,234.7 6,521.3 7,220.8 8,431.8 9,555.9 10,475
Total Shareholders' Equity
Total Shareholders' Equity - including Minority Interest & Hybrid Debt 1,287,310 1,501,334 1,502,308 1,614,714 2,010,766 2,176,968 2,145,559 2,957,186 3,787,656 4,638,779 5,389,194 5,260,418 6,116,776 6,501,628 8,367,859 9,686,819 10,556,760 12,546,337 13,156,318 14,235,013 14,210,193
Total Liabilities & Shareholders' Equity
Total Liabilities & Equity 13,121,318 15,845,432 16,091,569 15,301,146 19,674,908 23,216,721 22,633,166 29,977,954 36,026,548 42,153,240 46,001,474 40,814,521 44,681,384 43,117,357 50,240,442 55,312,913 57,376,553 66,209,605 76,607,568 86,199,627 84,467,181
Share/Per Share - Common
Common Shares - Issued - Total 30,087,615 61,311,345 61,516,068 61,595,508 61,637,525 123,275,050 123,275,050 123,275,050 123,275,050 123,275,050 123,275,050 123,275,050 123,275,050 123,275,050 123,275,050 123,275,050 123,275,050 123,275,050 123,275,050 123,275,050 123,275,050
Common Shares - Outstanding - Total 30,087,615 61,311,345 61,516,068 61,595,508 61,410,060 122,820,120 121,826,215 121,826,215 121,826,215 121,826,215 122,281,145 123,275,050 123,275,050 123,275,050 123,275,050 123,275,050 123,275,050 123,275,050 123,275,050 123,275,050 123,275,050
Common Shares - Treasury - Total 0 0 0 0 227,465 454,930 1,448,835 1,448,835 1,448,835 1,448,835 993,905 0 0 0 0 0 0 0 0 0 0
Common Shares - Authorized - Issue Specific 440,000,000 440,000,000 440,000,000 440,000,000 440,000,000 440,000,000 440,000,000 440,000,000 440,000,000 440,000,000
Common Shares - Issued - Issue Specific 30,087,615 61,311,345 61,516,068 61,595,508 61,637,525 123,275,050 123,275,050 123,275,050 123,275,050 123,275,050 123,275,050 123,275,050 123,275,050 123,275,050 123,275,050 123,275,050 123,275,050 123,275,050 123,275,050 123,275,050 123,275,050
Common Shares - Outstanding - Issue Specific 30,087,615 61,311,345 61,516,068 61,595,508 61,410,060 122,820,120 121,826,215 121,826,215 121,826,215 121,826,215 122,281,145 123,275,050 123,275,050 123,275,050 123,275,050 123,275,050 123,275,050 123,275,050 123,275,050 123,275,050 123,275,050
Common Shares - Treasury - Issue Specific 0 0 0 0 227,465 454,930 1,448,835 1,448,835 1,448,835 1,448,835 993,905 0 0 0 0 0 0 0 0 0 0
Share/Per Share - Other
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 1.00 1.00 1.00 1.00 1.00 1.00 1.00 1.00
Right of Use Tangible Assets
Right of Use Tangible Assets - Total - Gross - Supplemental 92,952 103,453 105,515
Right of Use Tangible Assets - Capital/Finance Lease - Gross - Supplemental 92,952 103,453 105,515
Property, Plant & Equipment - excluding Right of Use Tangible Assets & Capital Leases - Gross 478,343 474,375 626,225 756,149 860,065 1,099,866 1,017,640 1,186,436 1,215,114 1,873,031 1,912,658 2,048,878 2,296,371 2,322,273 2,079,590 2,129,020
Debt Related
Net Debt -904,541 -1,050,669 -1,327,141 -1,790,894 -2,576,051 -2,868,147 -1,791,112 -2,043,182 -3,182,236 -4,448,840 -4,387,571 -3,940,742 -4,270,428 -3,701,207 -3,807,358 -4,163,635 -4,337,978 -4,973,519 -3,518,974 -6,130,905 -7,927,844
Islamic
Islamic Investments - Total 2,854,747 4,228,057 5,272,900 5,353,011 5,483,595
Other Islamic Deposits 0 61,829 95,379 131,031 139,313 181,691 228,805 284,466 328,523 362,925 418,916 460,775 515,230 595,325
Islamic Debt & Deposits - Total 0 61,829 95,379 131,031 139,313 181,691 228,805 284,466 328,523 362,925 418,916 460,775 515,230 595,325
Other
Minority Interest - Total 71.92 92.27 106.8 129.2 153.8 0 2,695.8 7,390.1 8,312.1 19,187 18,536 20,934 7,234.7 6,521.3 7,220.8 8,431.8 9,555.9 10,475
Asset Accruals -396,326 -415,273 -321,148 -379,623 -610,360 -817,436 -995,292 -941,099 -1,070,412 -1,143,004 -1,147,893 -1,339,156 -1,581,387 -1,294,847 -1,183,657 -1,235,112 -1,508,970 -1,831,513 -1,732,360 -1,657,238 -1,372,278
Cash & Cash Equivalents - Total 960,329 1,106,775 1,425,217 1,910,890 2,658,174 3,040,221 1,886,408 2,163,103 3,356,417 4,661,887 4,662,742 4,239,574 4,721,547 4,035,113 4,197,519 4,439,885 4,538,418 5,282,859 3,689,780 6,273,740 8,061,022
Cash & Securities 9,387,522 11,272,251 10,843,027 7,675,352 11,272,588 12,904,548 10,170,165 14,123,273 10,578,242 13,027,354 13,302,475 11,698,626 12,799,633 7,912,662 12,837,721 15,229,803 13,173,908 16,699,892 28,070,734 32,501,420 34,086,939
Cash & Short Term Investments - Total 960,329 1,106,775 1,425,217 1,910,890 2,658,174 3,040,221 1,886,408 2,163,103 3,356,417 4,661,887 4,662,742 4,239,574 4,721,547 4,035,113 4,197,519 4,439,885 4,538,418 5,282,859 3,689,780 6,273,740 8,061,022
Debt - including Preferred Equity & Minority Interest - Total 56,099 59,642 99,353 120,513 82,277 172,074 95,296 119,921 174,181 215,743 282,561 307,144 470,305 352,443 411,095 283,484 206,961 316,561 179,238 152,391 143,653
Earning Assets 12,591,877 15,328,585 15,500,793 14,663,705 18,870,548 22,362,813 21,629,225 28,843,651 34,719,050 40,415,434 43,586,703 38,770,845 42,301,049 40,834,728 47,211,078 51,731,310 53,335,518 62,066,253 72,243,186 81,799,759 79,865,927
Invested Assets - Total 8,393,064 10,129,565 9,376,704 5,688,201 8,614,414 9,864,327 8,283,757 11,889,116 6,873,536 6,025,383 5,062,523 4,082,722 5,954,527 3,840,182 8,451,108 10,107,369 7,994,608 10,727,151 13,923,743 15,907,339 16,134,166
Investment Securities 8,393,064 10,129,565 9,376,704 5,688,201 8,614,414 9,864,327 8,283,757 11,889,116 6,873,536 6,025,383 5,062,523 4,082,722 5,954,527 3,840,182 8,451,108 10,107,369 5,139,861 6,499,094 8,650,843 10,554,327 10,650,571
Net Book Capital 382,769 450,665 175,166 -176,180 -565,285 -691,179 354,446 914,004 605,420 189,939 1,001,623 1,319,676 1,846,348 2,800,421 4,560,501 5,523,183 6,218,782 7,572,818 9,637,344 8,104,108 6,282,349
Net Operating Assets 382,769 450,665 175,166 -176,180 -565,285 -691,179 354,446 914,004 605,420 189,939 1,001,623 1,319,676 1,846,348 2,800,421 4,560,501 5,523,183 6,218,782 7,572,818 9,637,344 8,104,108 6,282,349
Provisions - Total 248,504 296,429 289,953 542,082 497,268 458,066 479,638 445,639 573,132 687,477 509,270 483,840
Savings Deposits - Total 11,601,368 14,032,592 14,199,162 13,199,736 16,997,128 20,366,042 19,684,522 26,287,543 31,141,267 36,081,077 38,692,055 33,946,283 36,483,038 34,662,479 39,720,458 43,263,830 44,264,801 50,842,762 60,145,798 68,675,364 66,713,009
Shareholders Equity - Common 1,286,998 1,497,799 1,501,031 1,614,197 2,010,612 2,176,968 2,145,559 2,957,186 3,787,656 4,636,083 5,381,804 5,252,106 6,097,590 6,483,092 8,346,925 9,679,584 10,550,239 12,539,116 13,147,886 14,225,457 14,199,718
Tangible Total Equity 1,287,310 1,501,334 1,502,308 1,614,714 2,010,766 2,176,968 2,145,559 2,957,186 3,787,656 4,638,779 5,389,194 5,260,418 6,116,776 6,501,628 8,367,859 9,686,819 10,509,502 12,447,097 13,040,249 14,123,975 14,109,511
Tangible Book Value 1,286,998 1,497,799 1,501,031 1,614,197 2,010,612 2,176,968 2,145,559 2,957,186 3,787,656 4,636,083 5,381,804 5,252,106 6,097,590 6,483,092 8,346,925 9,679,584 10,502,981 12,439,876 13,031,817 14,114,419 14,099,035
Total Book Capital 1,342,785 1,553,905 1,599,107 1,734,192 2,092,735 2,349,042 2,240,854 3,077,107 3,961,838 4,849,130 5,656,975 5,550,938 6,548,708 6,816,999 8,737,086 9,955,833 10,750,679 12,848,456 13,318,693 14,368,292 14,332,896
Total Capital 1,343,097 1,557,441 1,600,384 1,734,710 2,092,889 2,349,042 2,240,854 3,077,107 3,961,838 4,851,826 5,664,365 5,559,250 6,567,894 6,835,535 8,758,020 9,963,068 10,757,200 12,855,677 13,327,125 14,377,848 14,343,371
Total Long Term Capital 1,287,310 1,501,334 1,502,308 1,614,714 2,010,766 2,176,968 2,145,559 2,957,186 3,787,656 4,638,779 5,389,194 5,260,418 6,116,776 6,501,628 8,367,859 9,686,819 10,556,760 12,546,337 13,156,318 14,235,013 14,210,193
Trading Account 283,425 149,712 101,856 135,074 129,401 380,643 443,443 406,388 425,803 209,134 171,731 143,471
Book Value excluding Other Equity 1,168,440 1,371,769 1,386,694 1,506,208 1,892,661 2,064,092 2,145,559 2,957,186 3,787,656 4,636,083 5,381,804 5,252,106 6,097,590 6,483,092 7,857,554 9,193,959 9,941,422 11,853,169 12,469,723 13,557,281 13,511,437
Risk Related
Credit Exposure 29,560,242 42,810,571 50,678,355 56,188,860 49,095,556 50,635,086 48,995,455 56,778,671 63,282,979 74,765,835 86,874,499 98,024,627 97,052,136
Capital Adequacy
Capital Adequacy - Total (Value) 980,455 1,303,213 1,445,619 1,808,290 1,979,794 2,423,841 3,078,531 4,103,990 4,808,326 4,819,471 5,731,914 6,668,616 8,180,402 9,433,399 10,855,758 12,816,156 13,315,805 14,289,208 14,170,804
Capital Adequacy - Tier 1 (Value) 849,179 1,145,616 1,305,958 1,638,021 1,820,633 2,300,529 2,878,494 3,714,312 4,458,628 4,500,622 5,390,115 6,355,764 7,835,314 9,047,558 10,393,904 12,301,900 12,816,630 13,762,414 13,648,936
Capital Adequacy - Core Tier 1 (Value) 849,188 1,638,359 1,820,633 2,300,529
Capital Adequacy - Tier 2 (Value) 131,276 157,598 139,660 170,269 244,581 123,312 200,037 389,678 349,698 318,849 341,799 312,852 345,088 385,841 461,854 514,255 499,175 526,795 521,868
Capital Adequacy - Total (%) 32.2% 28.0% 21.5% 22.1% 19.2% 15.3% 13.5% 13.3% 14.7% 16.0% 17.2% 19.0% 21.3% 22.4% 24.0% 24.6% 26.9% 26.9% 26.8%
Capital Adequacy - Tier 1 (%) 27.9% 24.6% 19.5% 20.0% 17.7% 14.6% 12.6% 12.0% 13.6% 15.0% 16.2% 18.1% 20.4% 21.5% 22.9% 23.7% 25.9% 25.9% 25.9%
Capital Adequacy - Core Tier 1 (%) 27.9% 20.0% 17.7% 14.6%
Risk Weighted Assets 3,045,837 4,662,660 6,714,438 8,186,012 10,298,821 15,814,011 22,803,940 30,926,831 32,723,129 30,058,411 33,252,494 35,044,142 38,440,221 42,053,284 45,323,933 52,011,316 49,511,680 53,213,247 52,793,017
Net Stable Funding Ratio - Basel 3 - % 154.3% 157.4% 171.8% 180.7% 171.1%
Nonperforming Loans/Assets
Loans - Non-Performing & Impaired 82,166 80,785 94,162 88,899 71,320 95,063 109,832 108,990 102,111 112,891 167,000 203,210 404,710 511,973 528,253 567,502 726,333 972,532 763,069
Loans - Impaired -Total 726,333 972,532 763,069
Loans - Performing - Not Impaired & Not Past Due 40,198,852 42,677,524 43,884,314
Impaired Assets - Total 726,333 972,532 763,069
Loans - Stage 1 - Gross, Total 40,009,724 42,506,601 42,348,150
Loans - Stage 2 - Gross, Total 189,129 170,924 1,536,164
Loans - Stage 3 - Gross, Total 726,333 972,532 763,069
Employees
Employees - Full-Time/Full-Time Equivalents - Period End 21,599 21,358 20,748 20,520 20,389 20,173 19,687 20,135 20,320 21,281 23,106 24,814 26,364 26,962 27,561 25,877 26,123 25,370 25,179
Employees - Full-Time/Full-Time Equivalents - Current Date 21,599 21,358 20,748 20,520 20,389 20,173 19,687 20,135 20,320 21,281 23,106 24,814 26,364 26,962 27,561 25,877 26,123 25,370 25,179
Company Fundamentals - Cash Flow
CF Template BNK
Scaling Thousands
Period Annual
Statement Data 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
Period End Date 31-12-2002 31-12-2003 31-12-2004 31-12-2005 31-12-2006 31-12-2007 31-12-2008 31-12-2009 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)
Field Name 31-12-2002 31-12-2003 31-12-2004 31-12-2005 31-12-2006 31-12-2007 31-12-2008 31-12-2009 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
Cash Receipts - Business Activities - Cash Flow 1,558,045 1,444,046 1,265,597 1,365,961 1,801,901 1,568,754 1,765,697 2,048,498 2,249,087 3,286,107 3,661,693 3,900,639 4,242,549 4,085,157 4,305,871 4,700,746 4,728,338 5,415,808 5,425,822 6,132,882 6,049,939
Cash Payments - Business Activities - Cash Flow 921,901 807,162 553,071 567,862 834,009 742,415 724,129 778,503 850,061 899,449 847,217 773,607 1,074,820 953,940 889,359 1,000,652 847,306 973,853 859,823 813,775 564,553
Income Taxes - Paid/(Reimbursed) - Cash Flow - Direct 412.3 1,390.9 146,280 148,389 195,630 220,278 234,998 269,198 224,439 314,401 329,989 377,296 385,883 375,836 427,298 431,889 423,243 559,655 478,654 596,660 681,561
Interest & Dividends - Received - Total - Cash Flow - Direct 367.4 44.74 22.54 12.39 8.09 9.20 5.32 10.49 15.43 25.71 201.5 125.8 120.7 117.9 80.55 76.61 819.2 102.3 631.5 702.2 3,137.6
Cash Receipts/(Payments) - Net - Cash Flow -201,327 90,154 1,443,294 222,075 2,644.4 358,170 -988,587 1,632,536 -861,035 -6,474,160 446,588 -3,193,628 140,045 -614,496 230,544 -2,584,506 -3,155,563 -219,919 -604,941 4,080,451 -2,574,507
Net Cash Flow from Operating Activities 434,772 725,691 2,009,563 871,797 774,915 964,241 -182,012 2,633,343 313,567 -4,401,878 2,931,276 -443,767 2,922,012 2,141,002 3,219,839 683,776 303,045 3,662,483 3,483,035 8,803,600 2,232,456
Investing Cash Flow
Capital Expenditures - Net - Cash Flow 27,498 18,008 36,132 31,151 58,429 45,178 104,452 89,274 121,797 194,603 341,759 280,891 223,701 188,918 199,183 92,019 164,453 186,684 183,922 230,283 225,872
Property, Plant & Equipment - Purchased/(Sold) - Net - Cash Flow 27,498 18,008 36,132 31,151 58,429 45,178 104,452 89,274 121,797 194,603 341,759 280,891 223,701 188,918 199,183 92,019 164,453 186,684 183,922 230,283 225,872
Property, Plant & Equipment - Purchased - Cash Flow 34,011 25,377 46,902 44,829 61,654 48,312 105,891 90,346 123,273 197,367 343,566 283,154 224,553 189,578 205,209 129,794 165,185 189,299 184,595 231,333 226,230
Property, Plant & Equipment Sold - Cash Flow 6,513.3 7,369.2 10,770 13,678 3,224.6 3,133.8 1,438.4 1,072.4 1,475.2 2,764.0 1,807.1 2,263.7 852.0 659.8 6,026.3 37,775 731.4 2,615.2 673.5 1,050.4 358.7
Capital Expenditures - Total 34,011 25,377 46,902 44,829 61,654 48,312 105,891 90,346 123,273 197,367 343,566 283,154 224,553 189,578 205,209 129,794 165,185 189,299 184,595 231,333 226,230
Acquisition & Disposals of Business - Assets - Sold/(Acquired) - Net - Cash Flow 2,561.7 4,024.3 0 0 -20,175 0 -65,381 -20,969 0
Acquisition of Business - Cash Flow 0 20,175 0 65,381 20,969 0
Business - Sold - Cash Flow 2,561.7 4,024.3 0
Investments excluding Loans - Decrease/(Increase) - Cash Flow -84,326 -442,349 -1,349,757 -103,131 69,251 -232,384 543,372 1,072,517 -429,045 651,243 561,082 -166,430 -1,894,469 1,605,812 -4,193,492 -1,428,986 1,615,296 -2,205,657 -2,841,642 -2,657,166 -1,960,874
Investment Securities - Unclassified - Sold/(Purchased) - Net - Total - Cash Flow -84,326 -442,349 -1,349,757 -103,131 69,251 -232,384 543,372 1,072,517 -429,045 651,243 561,082 -166,430 -1,894,469 1,605,812 -4,193,492 -1,428,986 1,615,296 -2,205,657 -2,841,642 -2,657,166 -1,960,874
Investment Securities - Sold/Matured - Unclassified - Cash Flow 58,543 142,045 814,912 320,290 730,038 1,802,542 2,385,840 6,412,533 1,930,125 3,311,800 3,088,870 1,594,628 2,302,165 6,291,094 6,195,547 5,302,695 7,246,630 5,814,204 6,189,416 6,309,730 7,225,937
Investment Securities - Purchased - Unclassified - Cash Flow 142,869 584,393 2,164,669 423,421 660,787 2,034,926 1,842,467 5,340,016 2,359,170 2,660,556 2,527,787 1,761,057 4,196,634 4,685,282 10,389,039 6,731,681 5,631,334 8,019,861 9,031,058 8,966,896 9,186,810
Net Cash Flow from Investing Activities -111,824 -460,356 -1,385,890 -134,282 10,822 -277,562 438,920 983,243 -550,842 456,640 219,323 -444,758 -2,114,145 1,416,894 -4,392,674 -1,541,180 1,450,843 -2,457,722 -3,046,533 -2,887,449 -2,186,745
Financing Cash Flow
Dividends Paid - Cash - Total - Cash Flow 90,552 161,097 224,062 165,276 194,974 228,621 161,752 331,203 302,015 315,975 296,237 275,701 260,047 282,283 324,517 386,961 451,122 619,317 941,308 961,098 1,288,441
Dividends - Common - Cash Paid 90,552 161,097 224,062 165,276 194,974 228,621 161,752 331,203 302,015 315,975 296,237 275,701 260,047 282,283 324,517 386,961 451,122 619,317 941,308 961,098 1,288,441
Stock - Total - Issuance/(Retirement) - Net - Cash Flow 6,843.9 11,778 2,037.6 727.6 -20,462 0 -64,465 0 73,967 186,295 0
Stock - Issuance/(Retirement) - Net - Excluding Options/Warrants - Cash Flow -20,870 0 -64,465 0 73,967 186,295 0
Stock - Common - Issuance/(Retirement) - Net - Cash Flow -20,870 0 -64,465 0 73,967 186,295 0
Stock - Common - Issued/Sold - Cash Flow 0 73,967 186,295 0
Stock - Common - Repurchased/Retired - Cash Flow 20,870 0 64,465
Options Exercised - Cash Flow 6,843.9 11,778 2,037.6 727.6 407.5 0
Debt - Long-Term & Short-Term - Issuance/(Retirement) - Total - Cash Flow -119,130 -19,415 29,662 4,251.1 19,218 41,915 -66,352 27,381 19,673 69,662 111,305 134,843 66,421 -9,880.1 99,068 -74,547 -121,747 63,889 -157,186 -44,469 -53,149
Debt - Issued/(Reduced) - Long-Term & Short-Term - Cash Flow 0 50,701 29,175 33,535 39,995 42,915 63,601 49,987 38,169 43,493 12,969 37,185 28,299 48,441
Debt - Issued/(Reduced) - Long-Term - Cash Flow -119,130 -19,415 29,662 41,915 -66,352 27,381 -31,028 40,487 77,770 94,848 23,505 -76,369 41,850 -109,837 -58,311 95,480 -123,144 -30,960 -11,751
Debt - Issued - Long-Term - Cash Flow 41,387 111,232 4,741,302 6,368,022 2,008,841 505,803 1,587,760
Debt - Reduced - Long-Term - Cash Flow 66,352 31,028 900.7 33,462 4,799,613 6,272,542 2,131,985 536,764 1,599,511
Collateralized Agreements, Reverse REPOs, & Financing Loans (Liabilities) - Increase/(Decrease) - Cash Flow 4,251.1 19,218 2,888.7 7,231.4 -2,879.1 -106,929 -44,561 -71,227 -41,808 -89,839
REPO Liabilities - Increase/(Decrease) - Cash Flow 2,888.7 7,231.4 -2,879.1 -106,929 -44,561 -71,227 -41,808 -89,839
Other Financing Cash Flow - Increase/(Decrease) 0 -3,709.7 -3,350.8 -4,127.4 -4,913.4 -5,806.8 -5,857.2 0 5,348.4 2,651.0 5,062.8 0 0 2,242.2 102,793 49,391 61,880 47,196 101,011
Net Cash Flow from Financing Activities -202,838 -172,443 -195,714 -164,425 -201,132 -192,513 -298,427 -303,822 -282,342 -246,314 -105,617 48,088 -188,564 -292,164 -225,448 -459,266 -470,076 -506,038 -1,036,615 -958,371 -1,240,579
Foreign Exchange Effects
Foreign Exchange Effects - Cash Flow -65,448 -106,824 -79,998 -98,328 -1,679.8 40,756 18,770 50,424 119,042 -8,402.2 130,895 11,003 58,909
Change in Cash
Net Change in Cash - Total 120,110 92,892 427,960 573,090 584,605 494,165 -41,518 3,312,764 -585,064 -4,298,375 2,964,985 -938,766 617,622 3,306,488 -1,379,514 -1,266,246 1,402,855 690,321 -469,218 4,968,783 -1,135,959
Net Cash from Continuing Operations 120,110 92,892 427,960 573,090 584,605 494,165 -41,518 3,312,764 -585,064 -4,298,375 2,964,985 -938,766 617,622 3,306,488 -1,379,514 -1,266,246 1,402,855 690,321 -469,218 4,968,783 -1,135,959
Net Cash - Beginning Balance 862,781 1,049,622 1,038,030 1,369,167 2,113,403 2,592,252 2,659,386 6,155,745 10,228,319 9,580,129 5,106,547 6,323,569 5,424,582 5,402,676 8,809,298 7,395,492 5,800,170 7,443,196 8,053,244 7,457,631 11,388,929
Net Cash - Ending Balance 987,396 1,144,178 1,449,662 1,934,899 2,708,796 3,072,879 2,622,726 9,777,708 9,638,641 5,427,820 7,984,902 5,522,724 6,015,824 8,607,997 7,447,651 6,146,512 7,186,891 8,146,077 7,569,176 12,439,908 10,306,609
Supplemental
Income Taxes - Paid/(Reimbursed) - Cash Flow - Supplemental 412.3 1,390.9 146,280 148,389 195,630 220,278 234,998 269,198 224,439 314,401 329,989 377,296 385,883 375,836 427,298 431,889 423,243 559,655 478,654 596,660 681,561
Interest & Dividends - Received - Cash Flow - Supplemental 367.4 44.74 22.54 12.39 8.09 9.20 5.32 10.49 15.43 25.71 201.5 125.8 120.7 117.9 80.55 76.61 819.2 102.3 631.5 702.2 3,137.6
Working Capital - Cash Flow - Direct - Supplemental 84,829 344,662 1,601,319 393,686 330,041 613,668 -108,241 1,299,549 -975,058 -5,726,871 1,775,153 -931,959 1,444,374 543,148 1,514,823 -1,094,021 -1,591,345 1,309,751 977,650 5,582,959 -1,107,348
Cash Dividends Paid & Common Stock Buyback - Net 215,844 228,621 226,217 315,975 222,270 89,406 260,047
Common Stock Buyback - Net 20,870 0 64,465 0 -73,967 -186,295 0
Free Cash Flow to Equity 288,144 688,269 2,003,093 844,897 735,703 960,977 -352,816 2,571,451 211,443 -4,526,819 2,700,822 -589,815 2,764,731 1,942,204 3,119,724 517,210 16,845 3,539,687 3,141,927 8,528,848 1,953,436
Free Cash Flow Net of Dividends 310,209 539,217 1,738,599 661,692 518,287 687,307 -449,654 2,211,794 -111,720 -4,915,220 2,291,472 -1,002,623 2,437,411 1,669,141 2,690,113 167,020 -313,262 2,853,866 2,357,131 7,611,169 717,784
Free Cash Flow 400,761 700,314 1,962,661 826,968 713,261 915,929 -287,902 2,542,997 190,295 -4,599,245 2,587,709 -726,922 2,697,459 1,951,424 3,014,630 553,982 137,861 3,473,183 3,298,440 8,572,267 2,006,226
Dividends Provided/Paid - Common 90,552 161,097 224,062 165,276 194,974 250,767 248,402 302,015 315,975 296,237 275,701 260,047 295,198 370,876 368,534 589,929 968,229 902,158 1,250,980 1,704,068
CF from Optg Activities before Change in WC & Int Payments 434,772 725,691 2,009,563 871,797 774,915 964,241 -182,012 2,633,343 313,567 -4,401,878 2,931,276 -443,767 2,922,012 2,141,002 3,219,839 683,776 303,045 3,662,483 3,483,035 8,803,600 2,232,456
Company Fundamentals - Pension
CF Template BNK
Scaling Thousands
Period Annual
Statement Data 2002 2003 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
Period End Date 31-12-2002 31-12-2003 31-12-2009 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 IDR IDR IDR
Period End FX Rate 0.0001118568233 0.0001189060642 0.0001061571125 0.000111049417 0.0001103752759 0.0001038421599 8.223684211E-05 8.077544427E-05 7.254261879E-05 7.423904974E-05 7.371913011E-05 6.956521739E-05 7.204610951E-05 7.122507123E-05 7.01754386E-05 6.424670736E-05
Avg. FX Rate 0.0001078125436 0.0001168141946 9.709472506E-05 0.0001101806019 0.0001142579638 0.0001069675073 9.639962816E-05 8.437959707E-05 7.483224158E-05 7.52131467E-05 7.473821888E-05 7.037455743E-05 7.075867562E-05 6.904013086E-05 6.998537719E-05 6.743071528E-05
Pension - Standardized (Currency: US Dollar)
Field Name 31-12-2002 31-12-2003 31-12-2009 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
Assumptions - Period-End
Discount Rate - Period End 12.0% 12.0% 11.0% 9.0% 7.0% 6.0% 8.5% 8.0% 8.8% 8.0% 6.5% 8.0% 7.4% 6.3% 6.7% 7.2%
Discount Rate - Period End - Total Pension 12.0% 12.0% 11.0% 9.0% 7.0% 6.0% 8.5% 8.0% 8.8% 8.0% 6.5% 8.0% 7.4% 6.3% 6.7% 7.2%
Discount Rate - Domestic - Period End 12.0% 12.0% 11.0% 9.0% 7.0% 6.0%
Compensation Rate - Period End 10.0% 10.0% 8.0% 8.0% 8.0% 8.0% 9.0% 10.0% 10.0% 9.0% 9.0% 9.0% 9.0% 9.0% 8.0% 9.0%
Compensation Rate - Period End - Total Pension 10.0% 10.0% 8.0% 8.0% 8.0% 8.0% 9.0% 10.0% 10.0% 9.0% 9.0% 9.0% 9.0% 9.0% 8.0% 9.0%
Compensation Rate - Domestic - Period End 10.0% 10.0% 8.0% 8.0% 8.0% 8.0%
Funded Status
Funded Status - including Unfunded Plan Obligations -467,366 -538,601 -493,532 -452,283 -469,103 -438,019 -566,025 -677,823 -499,673 -476,106
Funded Status -467,366 -538,601 -476,415 -433,412 -450,684 -421,549 -550,942 -662,540 -485,841 -467,275
Funded Status - Total Pension -456,010 -521,557 -476,415 -433,412 -450,684 -421,549 -550,942 -662,540 -485,841 -467,275
Funded Status - Post-Retirement -11,356 -17,044
Plan Obligations - Unfunded 17,117 18,871 18,420 16,470 15,083 15,283 13,832 8,831.5
Post-Retirement Benefits/Obligations - Unfunded 17,117 18,871 18,420 16,470 15,083 15,283 13,832 8,831.5
Fair Value of Plan Assets 0 65,030 136,866 238,964 345,601 306,788 293,751 261,010 342,293 253,950
Fair Value of Plan Assets - Total Pension 0 65,030 136,866 238,964 345,601 306,788 293,751 261,010 342,293 253,950
Fair Value of Plan Assets - Post-Retirement 0 0
Projected Benefit Obligation - Total 467,366 603,632 613,281 672,376 796,285 728,337 844,693 923,550 828,134 721,224
Projected Benefit Obligation 467,366 603,632 613,281 672,376 796,285 728,337 844,693 923,550 828,134 721,224
Projected Benefit Obligation - Total Pension 456,010 586,588 613,281 672,376 796,285 728,337 844,693 923,550 828,134 721,224
Projected Benefit Obligation - Post-Retirement 11,356 17,044
Income/Expense
Total Pension Plans - Total Pension & Post-Retirement 8,933.6 10,951 42,470 20,365 75,916 85,632 86,157 111,182 79,370 81,541 70,008 67,877 101,211 83,131 89,581 71,414
Post-Retirement Plan Expense 2,358.4 2,367.7 2,267.2 2,518.7 1,782.7 1,933.5 2,544.9 2,094.0 2,061.7 -1,952.1
Total Pension Plan Expense - Total 8,933.6 10,951 42,470 20,365 75,916 85,632 83,798 108,814 77,103 79,022 68,225 65,943 98,667 81,037 87,520 73,366
Total Pension Plans - Domestic 8,933.6 10,951 42,470 20,365 75,916 85,632
Defined Benefit Income/Expense - Pension & Post-Retirement 8,933.6 10,951 42,470 20,365 75,916 85,632 86,157 111,182 79,370 81,541 70,008 67,877 101,211 83,131 89,581 71,414
Defined Benefit Income/Expense - Total Pension 8,933.6 10,951 42,470 20,365 75,916 85,632 83,798 108,814 77,103 79,022 68,225 65,943 98,667 81,037 87,520 73,366
Defined Benefit Income/Expense - Domestic 8,933.6 10,951 42,470 20,365 75,916 85,632
Defined Benefit Post-Retirement Income/Expense 2,358.4 2,367.7 2,267.2 2,518.7 1,782.7 1,933.5 2,544.9 2,094.0 2,061.7 -1,952.1
Interest Cost 3,347.6 4,641.5 19,383 9,492.0 33,166 32,402 32,686 40,761 39,918 44,338 31,696 25,085 36,791 37,540 38,136 28,044
Interest Cost - Total Pension 3,347.6 4,641.5 19,383 9,492.0 33,166 32,402 31,677 39,771 38,655 42,807 30,199 23,964 35,475 36,477 37,170 27,341
Interest Cost - Domestic 3,347.6 4,641.5 19,383 9,492.0 33,166 32,402
Interest Cost - Post-Retirement 1,009.4 990.5 1,263.2 1,531.8 1,497.3 1,121.4 1,315.7 1,063.2 966.4 703.7
Service Cost 3,212.7 3,521.6 13,164 7,206.9 27,996 32,071 28,997 34,034 36,471 36,081 37,289 41,346 41,720 43,861 48,801 46,107
Service Cost - Total Pension 3,212.7 3,521.6 13,164 7,206.9 27,996 32,071 28,252 33,016 35,467 35,095 37,003 40,534 40,491 42,831 47,705 45,518
Service Cost - Domestic 3,212.7 3,521.6 13,164 7,206.9 27,996 32,071
Service Cost - Post-Retirement 745.3 1,018.2 1,004.0 986.9 285.4 812.1 1,229.2 1,030.8 1,095.3 589.3
Prior Service Cost 2,373.3 2,787.4 9,923.3 3,666.5 7,974.8 7,732.5 6,196.1 21,889 21,679 0 0 -3,245.1
Prior Service Cost - Total Pension 2,373.3 2,787.4 9,923.3 3,666.5 7,974.8 7,732.5 5,922.7 21,649 21,679 0 0 0
Prior Service Cost - Domestic 2,373.3 2,787.4 9,923.3 3,666.5 7,974.8 7,732.5
Prior Service Cost - Post-Retirement 273.4 239.3 -3,245.1
Actuarial Gain/Loss 11,220 12,455 16,555 10,224
Actuarial Gain/Loss - Total Pension 11,220 12,455 16,224 10,223
Actuarial Gain/Loss - Domestic 11,220 12,455
Actuarial Gain/Loss - Post-Retirement 330.4 0.76
Curtailments & Settlements -4,441.8 971.9 1,722.3 4,274.0 2,981.5 1,121.2 1,023.3 1,445.5 1,021.3 1,730.3 2,644.3 507.1
Curtailments & Settlements - Total Pension -4,441.8 971.9 1,722.3 4,155.0 2,981.5 1,121.2 1,023.3 1,445.5 1,021.3 1,730.3 2,644.3 507.1
Curtailments & Settlements - Domestic -4,441.8 971.9
Curtailments & Settlements - Post-Retirement 0 119.0 0 0
Net Assets Recognized
Accrued Benefit Liability 10,936 19,388 39,185 55,314 237,682 284,305 288,170 302,206 493,532 452,283 469,103 438,019 566,025 677,823 499,673 476,106
Accrued Benefit Liability - Total Pension 10,936 19,388 39,185 55,314 237,682 284,305 278,144 290,328 476,415 433,412 450,684 421,549 550,942 662,540 485,841 467,275
Accrued Benefit Liability - Domestic 10,936 19,388 39,185 55,314 237,682 284,305
Accrued Benefit Liability - Post-Retirement 10,027 11,879 17,117 18,871 18,420 16,470 15,083 15,283 13,832 8,831.5
Accumulated Other Comprehensive Income 179,196 236,395
Prior Service Cost - Unrecognized 26,781 21,113
Prior Service Cost - Unrecognized - Total Pension 25,577 20,160
Prior Service Cost - Unrecognized - Post-Retirement 1,203.4 952.9
Actuarial Gain/Loss - Unrecognized 152,415 215,282
Actuarial Gain/Loss - Unrecognized - Total Pension 152,289 211,069
Actuarial Gain/Loss - Unrecognized - Post-Retirement 126.2 4,212.4
Prepaid Assets & Accrued Liabilities - Net -10,936 -19,388 -39,185 -55,314 -237,682 -284,305 -288,170 -302,206 -493,532 -452,283 -469,103 -438,019 -566,025 -677,823 -499,673 -476,106
Net Assets Recognized - Total Pension -10,936 -19,388 -39,185 -55,314 -237,682 -284,305 -288,170 -302,206 -493,532 -452,283 -469,103 -438,019 -566,025 -677,823 -499,673 -476,106
Net Assets Recognized - Total Pension Plans -10,936 -19,388 -39,185 -55,314 -237,682 -284,305 -278,144 -290,328 -476,415 -433,412 -450,684 -421,549 -550,942 -662,540 -485,841 -467,275
Net Assets Recognized - Domestic Pension Plans -10,936 -19,388 -39,185 -55,314 -237,682 -284,305
Net Assets Recognized - Total Post-Retirement -10,027 -11,879 -17,117 -18,871 -18,420 -16,470 -15,083 -15,283 -13,832 -8,831.5
Company Fundamentals - Financial Summary
CF Template BNK
Scaling Thousands
Period Annual
Statement Data 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
Period End Date 31-12-2002 31-12-2003 31-12-2004 31-12-2005 31-12-2006 31-12-2007 31-12-2008 31-12-2009 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)
Field Name 31-12-2002 31-12-2003 31-12-2004 31-12-2005 31-12-2006 31-12-2007 31-12-2008 31-12-2009 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
Provision & Impairment for Loan Losses 65,373 180,454 162,523 255,568 358,021 162,006 206,303 330,230 710,736 648,252 295,047
Selling, General & Administrative Expenses - Total 326,917 383,345 392,471 422,958 542,329 627,389 690,625 801,287 1,029,095 1,219,464 1,348,344 1,373,779 1,485,272 1,541,790 1,644,043 1,766,872 1,771,306 1,942,055 1,817,691 1,888,324 1,958,316
Operating Profit before Non-Recurring Income/Expense 384,403 396,123 524,533 554,585 720,821 716,303 985,478 1,044,877 1,116,263 1,583,157 1,532,688 1,719,035 1,730,349 1,697,866 1,944,863 2,194,004 2,288,300 2,569,619 2,317,808 2,724,096 3,403,793
Income before Discontinued Operations & Extraordinary Items 274,020 279,301 358,402 371,316 463,602 491,555 602,923 660,947 934,251 1,236,020 1,253,494 1,374,296 1,393,248 1,349,657 1,551,819 1,742,981 1,819,299 2,021,574 1,874,240 2,200,351 2,748,177
Selected Balance Sheet Items
Investments - Total 8,393,064 10,129,565 9,376,704 5,688,201 8,614,414 9,864,327 8,283,757 11,889,116 6,873,536 6,025,383 5,062,523 4,082,722 5,954,527 3,840,182 8,451,108 10,107,369 7,994,608 10,727,151 13,923,743 15,907,339 16,134,166
Total Assets 13,121,318 15,845,432 16,091,569 15,301,146 19,674,908 23,216,721 22,633,166 29,977,954 36,026,548 42,153,240 46,001,474 40,814,521 44,681,384 43,117,357 50,240,442 55,312,913 57,376,553 66,209,605 76,607,568 86,199,627 84,467,181
Deposits - Total 11,680,800 14,142,856 14,299,635 13,289,641 17,272,956 20,465,200 19,791,280 26,376,849 31,314,772 36,176,456 38,823,086 34,085,596 36,664,729 34,891,283 40,004,924 43,592,353 44,627,726 51,261,678 60,606,573 69,190,594 67,308,334
Common Equity - Total 1,286,998 1,497,799 1,501,031 1,614,197 2,010,612 2,176,968 2,145,559 2,957,186 3,787,656 4,636,083 5,381,804 5,252,106 6,097,590 6,483,092 8,346,925 9,679,584 10,550,239 12,539,116 13,147,886 14,225,457 14,199,718
Tangible Total Equity 1,287,310 1,501,334 1,502,308 1,614,714 2,010,766 2,176,968 2,145,559 2,957,186 3,787,656 4,638,779 5,389,194 5,260,418 6,116,776 6,501,628 8,367,859 9,686,819 10,509,502 12,447,097 13,040,249 14,123,975 14,109,511
Earning Assets 12,591,877 15,328,585 15,500,793 14,663,705 18,870,548 22,362,813 21,629,225 28,843,651 34,719,050 40,415,434 43,586,703 38,770,845 42,301,049 40,834,728 47,211,078 51,731,310 53,335,518 62,066,253 72,243,186 81,799,759 79,865,927
Selected Cash Flow Items
Net Cash Flow from Operating Activities 434,772 725,691 2,009,563 871,797 774,915 964,241 -182,012 2,633,343 313,567 -4,401,878 2,931,276 -443,767 2,922,012 2,141,002 3,219,839 683,776 303,045 3,662,483 3,483,035 8,803,600 2,232,456
Capital Expenditures - Net - Cash Flow 27,498 18,008 36,132 31,151 58,429 45,178 104,452 89,274 121,797 194,603 341,759 280,891 223,701 188,918 199,183 92,019 164,453 186,684 183,922 230,283 225,872
Net Change in Cash - Total 120,110 92,892 427,960 573,090 584,605 494,165 -41,518 3,312,764 -585,064 -4,298,375 2,964,985 -938,766 617,622 3,306,488 -1,379,514 -1,266,246 1,402,855 690,321 -469,218 4,968,783 -1,135,959
Selected Per Share Data
Book Value per Share 0.04 0.02 0.02 0.03 0.03 0.02 0.02 0.02 0.03 0.04 0.04 0.04 0.05 0.05 0.07 0.08 0.09 0.10 0.11 0.12 0.12
Tangible Book Value per Share 0.04 0.02 0.02 0.03 0.03 0.02 0.02 0.02 0.03 0.04 0.04 0.04 0.05 0.05 0.07 0.08 0.09 0.10 0.11 0.11 0.11
Shares used to calculate Diluted EPS - Total 30,288,254 61,144,624 61,616,238 61,626,029 61,530,442 61,410,060 122,136,547 121,826,215 121,826,215 121,826,215 122,008,933 123,174,298 123,275,050 123,275,050 123,275,050 123,275,050 123,275,050 123,275,050 123,275,050 123,275,050 123,275,050
Dividend Yield - Common Stock - Gross - Issue Specific - % 5.6% 6.8% 5.5% 3.8% 2.8% 2.3% 3.0% 2.2% 1.8% 1.4% 1.3% 1.2% 1.0% 1.2% 1.1% 1.0% 1.0% 1.1% 1.6% 1.5% 1.8%
Dividend Yield - Common Stock - Net - Issue Specific - % 5.6% 6.8% 5.5% 3.6% 2.4% 2.0% 2.6% 1.8% 1.5% 1.2% 1.1% 1.0% 0.8% 1.0% 1.0% 0.8% 0.9% 0.9% 1.4% 1.3% 1.5%
Profitability / Return
Interest & Dividend Income/(Expense) - Net - Finance Percentage of Earning Assets 5.21 4.42 4.83 5.32 6.04 5.05 5.56 5.88 4.43 5.32 5.40 5.93 6.44 6.60 6.69 6.25 6.17 6.20 5.77 5.15 5.31
Fee Revenue - % 13.1% 15.3% 15.3% 16.0% 14.4% 16.7% 16.3% 15.6% 21.8% 18.6% 20.0% 18.6% 18.2% 18.0% 18.1% 19.2% 20.0% 20.2% 18.4% 20.0% 20.3%
Efficiency Ratio - % 44.0% 41.9% 43.5% 43.7% 41.0% 42.0% 40.7% 39.4% 38.8% 34.6% 33.0%
Income before Tax Margin - % 52.7% 48.6% 56.5% 55.2% 53.4% 54.0% 49.5% 50.2% 58.0% 55.6% 53.8% 52.6% 51.7% 48.9% 49.9% 54.0% 54.4% 53.7% 46.9% 52.8% 61.7%
Income Tax Rate - % 25.3% 23.9% 29.4% 29.8% 30.1% 29.9% 25.2% 23.9% 20.4% 20.6% 20.2% 20.0% 20.4% 20.4% 20.2% 20.0% 21.0% 21.3% 19.1% 19.1% 19.2%
Net Margin - % 39.4% 37.0% 39.9% 38.8% 37.4% 37.9% 37.0% 38.2% 46.1% 44.2% 42.9% 42.1% 41.1% 38.9% 39.8% 43.2% 43.0% 42.3% 37.9% 42.7% 49.8%
Return on Average Common Equity - % (Income available to Common excluding Extraordinary Items) 23.9% 19.8% 24.1% 24.2% 25.0% 23.3% 26.4% 26.6% 27.4% 28.4% 25.0% 24.6% 23.7% 21.9% 20.4% 19.1% 18.3% 17.5% 15.1% 16.2% 19.2%
Return on Earning Assets - % 2.4% 2.0% 2.3% 2.5% 2.7% 2.4% 2.6% 2.7% 2.9% 3.2% 3.0% 3.2% 3.3% 3.3% 3.4% 3.5% 3.5% 3.5% 2.9% 2.9% 3.4%
Return on Average Total Assets - % (Income before Discontinued Operations & Extraordinary Items) 2.3% 1.9% 2.3% 2.4% 2.6% 2.3% 2.5% 2.6% 2.8% 3.1% 2.8% 3.0% 3.2% 3.1% 3.3% 3.3% 3.3% 3.3% 2.7% 2.7% 3.2%
Growth
Common Shares - Outstanding - Total 30,087,615 61,311,345 61,516,068 61,595,508 61,410,060 122,820,120 121,826,215 121,826,215 121,826,215 121,826,215 122,281,145 123,275,050 123,275,050 123,275,050 123,275,050 123,275,050 123,275,050 123,275,050 123,275,050 123,275,050 123,275,050
Deposits - Total 11,680,800 14,142,856 14,299,635 13,289,641 17,272,956 20,465,200 19,791,280 26,376,849 31,314,772 36,176,456 38,823,086 34,085,596 36,664,729 34,891,283 40,004,924 43,592,353 44,627,726 51,261,678 60,606,573 69,190,594 67,308,334
Total Assets 13,121,318 15,845,432 16,091,569 15,301,146 19,674,908 23,216,721 22,633,166 29,977,954 36,026,548 42,153,240 46,001,474 40,814,521 44,681,384 43,117,357 50,240,442 55,312,913 57,376,553 66,209,605 76,607,568 86,199,627 84,467,181
Capital Ratio
Capital Adequacy - Total (%) 32.2% 28.0% 21.5% 22.1% 19.2% 15.3% 13.5% 13.3% 14.7% 16.0% 17.2% 19.0% 21.3% 22.4% 24.0% 24.6% 26.9% 26.9% 26.8%
Capital Adequacy - Core Tier 1 (%) 27.9% 20.0% 17.7% 14.6%
Risk Weighted Assets 3,045,837 4,662,660 6,714,438 8,186,012 10,298,821 15,814,011 22,803,940 30,926,831 32,723,129 30,058,411 33,252,494 35,044,142 38,440,221 42,053,284 45,323,933 52,011,316 49,511,680 53,213,247 52,793,017
Net Stable Funding Ratio - Basel 3 - % 154.3% 157.4% 171.8% 180.7% 171.1%
Banking - Other Metrics
Reserves for Loan Losses - Total Percentage of Loans - Gross - Total 3.79 2.99 2.64 2.46 2.78 2.01 2.42 3.42 2.48 1.85 1.53 1.79 1.95 2.35 3.00 2.85 2.54 2.57 4.74 5.22 4.90
Reserves for Loan Losses - Total to Loans - Non-Performing & Impaired 1.12 1.31 1.46 2.17 2.52 4.81 3.95 3.86 4.09 4.16 3.35 3.34 2.36 1.97 1.85 1.97 2.74 2.40 2.93
Reserves for Loan Losses - Total Percentage of Total Assets 0.7% 0.7% 0.7% 0.9% 1.0% 0.8% 1.1% 1.5% 1.2% 1.0% 0.9% 1.2% 1.3% 1.6% 1.9% 1.8% 1.7% 1.7% 2.6% 2.7% 2.7%
Loans - Non-Performing & Impaired Percentage of Loans - Gross - Total 3.4% 2.3% 1.7% 1.3% 0.8% 0.7% 0.6% 0.5% 0.4% 0.4% 0.6% 0.7% 1.3% 1.4% 1.4% 1.3% 1.7% 2.2% 1.7%
Loans - Non-Performing & Impaired Percentage of Shareholders Equity - Common 6.4% 5.4% 5.8% 4.4% 3.3% 3.2% 2.9% 2.4% 1.9% 2.2% 2.7% 3.1% 4.9% 5.3% 5.0% 4.5% 5.5% 6.8% 5.4%
Loans - Non-Performing & Impaired Percentage of Reserves for Loan Losses - Total 89.6% 76.5% 68.5% 46.1% 39.7% 20.8% 25.3% 25.9% 24.5% 24.0% 29.8% 29.9% 42.4% 50.7% 54.2% 50.7% 36.5% 41.7% 34.1%
Loans - Gross - Total Percentage of Total Assets 18.43 22.27 27.45 36.51 35.31 38.42 46.47 44.55 48.49 54.06 59.23 64.32 64.37 67.04 63.25 64.08 66.82 65.70 54.73 51.86 54.10
Loans to Deposits (End of Period) 0.27 0.29 0.33 0.53 0.44 0.46 0.58 0.56 0.77 0.76 0.78 0.79 0.80 0.94 0.86 0.84 0.90 0.89 0.73 0.71 0.68
Loan Loss Coverage Ratio 58.06 38.34 31.17 30.37 28.52 15.16 14.02
Financial Strength / Leverage
Total Debt Percentage of Total Assets 0.4% 0.4% 0.6% 0.8% 0.4% 0.7% 0.4% 0.4% 0.5% 0.5% 0.6% 0.7% 1.0% 0.8% 0.8% 0.5% 0.4% 0.5% 0.2% 0.2% 0.2%
Total Debt Percentage of Total Capital 4.2% 3.6% 6.1% 6.9% 3.9% 7.3% 4.3% 3.9% 4.4% 4.4% 4.9% 5.4% 6.9% 4.9% 4.5% 2.8% 1.9% 2.4% 1.3% 1.0% 0.9%
Total Debt Percentage of Total Equity 4.3% 3.7% 6.5% 7.4% 4.1% 7.9% 4.4% 4.1% 4.6% 4.6% 5.1% 5.7% 7.4% 5.1% 4.7% 2.9% 1.9% 2.5% 1.3% 1.0% 0.9%
Earnings Retention Rate 0.67 0.42 0.37 0.55 0.58 0.53 0.58 0.62 0.68 0.74 0.76 0.80 0.81 0.78 0.76 0.79 0.68 0.52 0.52 0.43 0.38
Dividend Payout Ratio - % 33.1% 57.7% 62.5% 44.5% 42.1% 46.5% 41.6% 37.6% 32.3% 25.6% 23.6% 20.1% 18.7% 21.9% 23.9% 21.2% 32.4% 47.9% 48.2% 56.9% 62.0%
Dividend Coverage - % 302.6% 173.4% 160.0% 224.7% 237.8% 215.0% 240.4% 266.1% 309.3% 391.2% 423.3% 498.4% 534.9% 456.8% 417.9% 472.7% 308.4% 208.8% 207.6% 175.8% 161.2%
Productivity
Net Income after Tax per Employee 13,168 13,237 22,883 23,373 47,246 59,968 60,159 56,363 60,096 54,606 59,859 64,479 65,968 77,037 74,367 85,694 103,599
Sales per Employee 33,457 35,751 61,272 61,718 102,410 135,744 140,131 134,032 146,110 140,276 150,357 149,346 153,347 182,123 196,208 200,572 208,086
Total Assets per Employee 607,497 741,897 737,476 958,816 1,138,689 1,486,043 1,829,966 2,093,531 2,263,852 1,917,885 1,933,757 1,737,622 1,905,646 2,051,514 2,081,802 2,558,628 2,932,572 3,397,699 3,354,668
Company Fundamentals - Valuation
CF Template BNK
Scaling Thousands
Period Annual
Statement Data 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
Period End Date 31-12-2002 31-12-2003 31-12-2004 31-12-2005 31-12-2006 31-12-2007 31-12-2008 31-12-2009 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)
Field Name 31-12-2002 31-12-2003 31-12-2004 31-12-2005 31-12-2006 31-12-2007 31-12-2008 31-12-2009 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
Enterprise Value 760,259 1,353,444 2,584,747 2,436,273 4,489,613 6,623,987 5,520,177 10,523,806 14,194,198 17,106,579 40,949,876 15,337,406 21,626,062 19,867,022 24,300,519 35,249,810 39,816,017 53,812,720 55,337,490 56,398,565 59,121,607
Enterprise Value, 5 Year Average 945,133 1,402,065 2,368,027 3,446,177 3,876,672 6,061,212 8,648,303 11,126,529 17,366,144 15,835,342 18,277,628 18,533,672 21,525,994 22,611,015 26,705,314 34,562,455 41,334,841 47,411,332 49,086,046
Market Capitalization
Market Capitalization 1,664,488 2,400,578 3,910,611 4,226,649 7,065,510 9,492,134 7,311,290 12,566,988 17,376,434 21,552,723 45,330,058 19,269,836 25,877,304 23,549,692 28,086,943 39,406,211 44,147,474 58,779,018 58,848,032 62,519,915 67,038,976
Market Capitalization, 5 Year Average 1,831,404 2,475,563 3,923,792 5,336,456 5,708,484 8,318,788 11,256,083 14,096,736 20,477,247 18,766,006 21,695,527 21,923,988 25,154,778 26,423,754 30,504,206 38,731,723 45,435,548 51,960,044 54,109,470
Price Close
Price Close (End of Period) 0.01 0.02 0.03 0.03 0.06 0.08 0.06 0.10 0.14 0.18 0.19 0.16 0.21 0.19 0.23 0.32 0.36 0.48 0.48 0.51 0.55
Price Close (End of Period), 5 Year Average 0.02 0.02 0.03 0.04 0.05 0.07 0.09 0.12 0.13 0.12 0.15 0.15 0.18 0.22 0.25 0.32 0.37 0.43 0.44
FOCF Yield
Free Cash Flow Yield - % 98.2% 59.0% 95.5% 38.2% 20.4% 18.7% 3.5% 22.2% 1.1% 20.7% 10.9% 3.2% 9.9% 8.0% 10.5% 1.4% 0.3% 6.0% 5.7% 13.6% 2.8%
Free Cash Flow Yield - %, 5 Year Average 98.4% 64.0% 51.1% 36.7% 25.0% 17.6% 10.8% 0.2% 1.2% 0.5% 0.9% 2.6% 7.7% 5.4% 4.9% 4.6% 4.5% 6.1% 5.9%
Dividend Yield
Dividend Yield - Common Stock - Net - Issue Specific - % 5.6% 6.8% 5.5% 3.6% 2.4% 2.0% 2.6% 1.8% 1.5% 1.2% 1.1% 1.0% 0.8% 1.0% 1.0% 0.8% 0.9% 0.9% 1.4% 1.3% 1.5%
Dividend Yield - Common Stock - Net - Issue Specific - %, 5 Year Average 5.5% 5.1% 4.1% 3.2% 2.8% 2.3% 1.9% 1.7% 1.5% 1.3% 1.1% 1.0% 1.0% 0.9% 0.9% 0.9% 1.0% 1.1% 1.2%
Dividend Yield - Common Stock - Gross - Issue Specific - % 5.6% 6.8% 5.5% 3.8% 2.8% 2.3% 3.0% 2.2% 1.8% 1.4% 1.3% 1.2% 1.0% 1.2% 1.1% 1.0% 1.0% 1.1% 1.6% 1.5% 1.8%
Dividend Yield - Common Stock - Gross - Issue Specific - %, 5 Year Average 5.5% 5.2% 4.3% 3.5% 3.2% 2.7% 2.3% 2.0% 1.7% 1.5% 1.3% 1.2% 1.1% 1.1% 1.0% 1.1% 1.2% 1.3% 1.5%
Price to Book
Price to Book Value per Share - Issue Specific 0.33 0.81 1.32 1.32 1.77 4.39 3.40 4.24 4.57 4.64 4.29 3.71 4.29 3.67 3.40 4.11 4.23 4.74 4.52 4.44 4.77
Price to Book Value per Share - Issue Specific, 5 Year Average 0.44 0.72 1.06 1.79 2.24 2.82 3.58 4.32 4.30 4.23 4.24 4.05 3.80 3.83 3.95 4.12 4.27 4.43 4.55
Price to Tangible Book
Price to Tangible Book Value per Share 0.33 0.81 1.32 1.32 1.77 4.39 3.40 4.24 4.57 4.64 4.29 3.71 4.29 3.67 3.40 4.11 4.25 4.77 4.56 4.47 4.80
Price to Tangible Book Value per Share, 5 Year Average 0.44 0.72 1.06 1.79 2.24 2.82 3.58 4.32 4.30 4.23 4.24 4.05 3.80 3.83 3.96 4.13 4.29 4.46 4.59
Price to Sales
Price to Revenue from Business Activities - Total per Share 0.59 1.57 2.29 2.26 2.82 3.78 5.09 6.62 8.48 7.96 8.14 6.98 8.06 7.08 7.37 10.00 10.67 12.20 11.65 12.23 12.88
Price to Revenue from Business Activities - Total per Share, 5 Year Average 0.83 1.25 1.85 2.69 3.23 4.00 5.17 6.39 7.44 7.61 7.86 7.58 7.48 8.00 8.77 9.70 10.56 11.44 11.99
Price to FOCF
Price to Free Cash Flow per Share 1.02 1.70 1.05 2.62 4.90 5.36 4.51 90.29 9.18 10.12 12.57 9.53 72.84 327.2 16.79 17.47 7.35 35.43
Price to Free Cash Flow per Share, 5 Year Average 1.02 1.56 1.96 2.72 4.00 5.68 9.25 422.5 84.90 212.0 115.4 38.29 12.99 18.47 20.60 21.79 22.02 16.35 16.94
Price to CF Per Share
Price to Cash Flow per Share 1.32 3.72 5.26 5.39 6.94 9.20 12.72 15.74 16.86 16.67 17.60 15.43 18.25 16.74 17.16 21.48 22.95 26.94 28.11 26.56 24.28
Price to Cash Flow per Share, 5 Year Average 1.61 2.73 4.34 6.45 7.81 9.72 12.10 14.37 16.29 16.45 17.01 16.96 17.05 18.09 19.66 21.63 23.75 25.40 25.70
Price to Diluted EPS
Price to EPS - Diluted - excluding Extraordinary Items Applicable to Common - Total 1.49 4.25 5.74 5.82 7.54 9.99 13.74 17.36 18.39 18.02 18.94 16.59 19.63 18.20 18.55 23.16 24.79 28.85 30.76 28.64 25.87
Price to EPS - Diluted - excluding Extraordinary Items Applicable to Common - Total, 5 Year Average 1.76 2.98 4.79 7.05 8.47 10.57 13.18 15.63 17.67 17.81 18.35 18.30 18.40 19.53 21.24 23.33 25.68 27.44 27.67
Price to Normalized Diluted EPS
Price to EPS - Diluted - excluding Extraordinary Items - Normalized - Total 1.41 4.07 5.40 5.41 6.68 9.61 10.55 13.07 19.17 17.13 18.83 16.47 19.63 18.17 18.53 22.97 24.98 28.82 30.76 28.56 25.87
Price to EPS - Diluted - excluding Extraordinary Items - Normalized - Total, 5 Year Average 0.44 0.72 1.06 1.79 2.24 2.82 3.58 4.32 4.30 4.23 4.24 4.05 3.80 3.83 3.95 4.12 4.27 4.43 4.55
PEG Ratio
PE Growth Ratio -0.08 -0.08 0.18 0.46 0.42 1.66 -0.39 0.96 0.75 0.65 2.32 0.81 1.26 1.96 1.29 1.77 2.27 2.75 -6.13 1.81 0.87
PE Growth Ratio, 5 Year Average 0.50 -0.22 -0.63 -2.59 2.18 7.03 3.68 3.01 3.15 0.91 0.96 1.14 1.36 1.35 1.68 2.01 3.01 3.12 2.34
EV to Sales
Enterprise Value to Revenue from Business Activities - Total 1.05 1.76 2.99 2.58 3.55 5.25 3.84 5.56 6.95 6.33 14.45 5.50 6.67 5.91 6.32 8.85 9.52 11.06 10.85 10.92 11.24
Enterprise Value to Revenue from Business Activities - Total, 5 Year Average 1.46 1.90 2.56 3.45 3.75 4.33 5.19 5.72 8.07 7.90 7.85 7.42 7.27 6.78 7.60 8.57 9.51 10.33 10.77
EV to EBITDA
Enterprise Value to Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA) 1.75 3.05 4.82 4.22 5.79 8.98 6.05 8.65 11.72 10.52 25.89 9.86 12.33 11.30 11.90 15.34 16.54 19.49 21.51 19.43 17.32
Enterprise Value to Earnings before Interest, Taxes, Depreciation & Amortization (EBITDA), 5 Year Average 2.34 3.09 4.22 5.73 6.11 6.98 8.44 9.35 13.44 13.52 13.88 13.47 13.47 12.41 13.79 15.39 17.30 18.60 18.77
EV to CFO
Enterprise Value to Net Cash Flow from Operating Activities 1.69 1.83 1.34 2.83 5.69 7.06 3.66 44.91 14.39 7.73 9.57 7.65 52.26 132.9 14.43 15.40 6.39 27.80
Enterprise Value to Net Cash Flow from Operating Activities, 5 Year Average 1.39 1.86 2.43 3.34 5.19 5.74 8.83 48.90 67.60 52.02 26.89 11.25 13.87 16.06 17.55 18.31 13.99 14.39
EV to FOCF
Enterprise Value to Free Cash Flow 1.83 1.90 1.37 2.98 6.18 7.44 3.79 74.01 16.30 8.37 10.50 8.17 64.51 292.2 15.22 16.26 6.56 30.93
Enterprise Value to Free Cash Flow, 5 Year Average 1.46 1.94 2.55 3.49 5.59 6.16 9.72 91.91 223.1 112.1 37.09 12.63 15.65 17.86 19.25 19.83 14.77 15.22
Company Fundamentals - Operating Metrics
CF Template BNK
Scaling Thousands
Period Annual
Measure system Metric
Statement Data 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022
Period End Date 31-12-2002 31-12-2003 31-12-2004 31-12-2005 31-12-2006 31-12-2007 31-12-2008 31-12-2009 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 Metrics - Standardized (Currency: US Dollar)
Field Name 31-12-2002 31-12-2003 31-12-2004 31-12-2005 31-12-2006 31-12-2007 31-12-2008 31-12-2009 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
Margins & Ratios
Net Interest Margin - Total - % 5.8% 4.9% 5.3% 6.0% 7.2% 6.1% 6.6% 6.4% 5.3% 5.7% 5.6% 6.2% 6.5% 6.7% 6.8% 6.2% 6.1% 6.2% 5.7% 5.1% 5.3%
Efficiency Ratio - Total - % 46.4% 42.9% 44.2% 46.5% 43.9% 58.7% 58.2% 59.1% 63.5% 54.2%
Customer transaction & Other measures
Digital Channel Sales - Total 1,069,305,105,982 1,106,091,936,561 1,491,528,358,651
Number of Transactions Per Channel - Total 8,583,000,000 11,567,000,000 16,423,000,000

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Company Fundamentals - Segments

Company Name Bank Central Asia Tbk PT (BBCA.JK)

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

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

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

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

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