Key Financial Highlights


Figures in tables below are presented in billion rupiah (unless stated otherwise).

Description 2021 2022 2023 2024 2025
Consolidated Statement of Profit or Loss and Other Comprehensive Income
Financing Income 3,821 5,117 6,042 6,030 6,441
Others 302 266 311 305 307
Total Income 4,123 5,383 6,353 6,335 6,748
Salaries and Benefits 1,023 1,325 1,457 1,517 1,517
Interest and Financing Charges 570 624 951 931 940
General and Administrative 647 771 871 875 898
Allowance for Impairment Losses 435 367 786 850 1.091
Others 37 57 263 235 329
Total Expenses 2,712 3,144 4,328 4,408 4,775
Profit Before Tax 1,411 2,239 2,025 1,927 1,973
Income Tax Expense 280 432 381 362 392
Profit for the Year 1,131 1,807 1,644 1,565 1,581
Other Comprehensive Income for the Year - Net of Tax 67 14 2 (56) 39
Total Comprehensive Income for the Year 1,198 1,821 1,646 1,509 1,620
 
Consolidated Statement of Financial Position
Cash and Cash Equivalents 969 1,073 1,740 1,614 1,552
Net Financing Receivables 13,683 19,562 20,759 22,096 22,485
Other Receivables - Third Parties 87 163 251 293 315
Derivative Assets - 103 57 28 83
Fixed Assets - Net 607 659 721 673 668
Intangible Assets - Net 56 140 255 199 144
Other Assets 234 230 209 217 226
Total Assets 15,636 21,930 23,992 25,120 25,473
Fund Borrowings - Third Parties 4,789 10,247 8,666 10,823 10,370
Securities Issued - Net 2,488 1,581 4,721 2,936 3,225
Other Payables 929 1,346 1,105 1,179 1,224
Total Liabilities 8,206 13,174 14,492 14,938 14,819
Equity 7,430 8,756 9,500 10,182 10,654
Total Liabilities and Equity 15,636 21,930 23,992 25,120 25,473