5 (five) Years Performance

Financial Data (in millions of Rupiah) 2016 2015 2014 2013 2012
Report of Profit and Loss and Other Comprehensive Income
Interest income 508,785 403,980 297,725 264,227 307,666

Interest expense

261,397 231,947 172,802 139,774 177,010

Net interest income

247,388 172,033 124,923 124,453 130,656

Other Operational Income

9,320 6,704 13,901 6,081 7,107

Other Operational Expenses

162,998 145,160 123,673 105,110 109,183

CKPN Expenses Non-financial Assets and financial Assets

12,319 5,307 6,228 12,017 14,908

Operational Income

93,710 33,577 15,151 13,407 13,672

Non-Operational  Income (Expenses)

(1,422) 903 720 2,497 (446)

Income Before Income Taxes

92,288 34,480 15,870 15,904 13,226

Tax Expense

24,301 9,609 3,986 6,939 8,165

Net profit

67,987 24,871 11,884 8,965 5,061

Total Comprehensive Income (Loss)

70,029 59,960 13,542 (4,368) 2,825

Net Profit per Share

19.83 9.88 5.36 5 3

Financial Report (Balance Sheet)

Earning assets

 3,723,389  3,041,122  2,396,338  2,040,103  2,259,089

Loans

 3,266,100  2,638,006  2,006,304  1,517,507  1,980,963

Treasury Assets

 457,289  403,116  390,034  522,596  278,126

Total Assets

 4,134,764  3,417,884  2,691,129  2,291,194  2,578,274

Third-party funds

 3,409,627  2,965,625  2,330,117  1,954,807  2,185,402

- Current Account

 164,299  154,050  108,473  91,768  172,207

- Savings

 156,557  137,744  131,829  101,398  92,390

- Deposits

 3,088,771  2,673,831  2,089,815  1,761,641  1,920,805

Total of Liabilities

 3,491,699  3,052,397  2,416,279  2,044,886  2,324,496

Equity

 643,065  365,487  274,850  246,308  237,821

Financial Ratios (%)

ROA  2.53% 1.16% 0.69% 0.69% 0.50%
ROE 14.70% 9.21% 5.53% 3.78% 2.35%
NIM 6.96% 6.12% 5.38% 5.74% 5.60%

The Capital Adequacy Ratio (CAR)

21.38% 15.70% 15.23% 15.95% 12.89%
NPL-Gross 3.69% 2.98% 3.74% 3.91% 3.56%
NPL-Nett 2.48% 1.85% 2.35% 2.09% 2.85%
BOPO 82.00% 91.82% 95.08% 94.90% 90.59%
LDR 95.74% 88.95% 85.71% 76.58% 90.65%

Profit (loss) Ratio on income

13.36% 6.16% 3.86% 3.32% 1.61%

Liabilities to Equity Ratio

542.98% 835.16% 888.24% 979.92% 971.81%

Liabilities to Total Assets Ratio

84.45% 89.31% 89.88% 90.74% 90.67%

Number of employees

596 594 639 638 637

Number of Offices

31 32 32 32 32

Number of ATm

8 8 8 - -

PT Bank Yudha Bhakti Tbk

Gedung GOZCO

Jl. Raya Pasar Minggu Kav 32 Pancoran Jakarta Selatan 12780

Telp. (021) 2975-2975, 2975-2999

Fax. (021) 2975-2918

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