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P&L

(in mio IDR)


Periodicity 2014 2015 2016 2017
INCOME
Consumer Financing 5,749,916 4,936,962 4,719,481 4,960,233
Murabahah margin 877,381 1,604,313 2,356,114
Interest and Penalty
Finance Leases 241,718 264,454 191,523 99,033
Others 2,259,514 1,984,881 1,896,344 1,721,489
Total Income 8,251,148 8,063,678 8,411,661 9,136,869
EXPENSES
Operating Expenses
Salaries and benefits 1,886,966 1,585,363 1,731,674 1,892,567
G&A 880,440 1,053,079 1,060,817 1,106,800
Marketing 230,419 282,506 271,435 437,901
Interest expense and financing charges 2,261,879 2,197,885 1,937,419 1,796,061
Provision for impairment losses
Consumer Financing 1,733,633 1,405,700 970,320 955,142
Murabahah financing 296,511 625,842 692,541
finance leases 75,537 75,847 56,240 13,732
Revenue sharing for mdharabah bonds 27,078 57,352 37,356 40,321
others 94,633 208,880 4,467 79,842
Total expenses 7,190,585 7,163,123 6,695,570 7,014,907
EBT 1,060,563 900,555 1,716,091 2,121,962
Tax 268,398 235,719 706,740 712,812
Income for the year 792,165 664,836 1,009,351 1,409,150

Stats
Consumer Financing receivables (million IDR) 49,600,000 46,400,000 44,400,000 45,200,000
Net consumer financing receivable 27,989,268 24,911,965 24,819,390 25,898,580
Number of consumer 3,522,300 3,280,400 3,042,100 2,852,800
Units financed 1,908,000 1,665,000 1,519,000 1,447,000
Contract value (mio IDR) 34,080,000 30,258,000 30,181,000 31,910,000
NPL 1.4% 1.6% 1.5% 1.6%
Employee 26,098 21,351 20,087 18,854

Contract size (mio IDR) 17.9 18.2 19.9 22.1


Consumer financing revenue/consumer (mio IDR) 1.63 1.50 1.55 1.74
Revenue/Net Receivable margin 21% 20% 19% 19%
Contract value (mio IDR) /employee 1,306 1,417 1,503 1,692
Marketing cost to Revenue 3% 4% 3% 5%
2018

6,866,943
1,545,353

44,747
1,726,712
10,183,755

2,031,357
1,362,603
722,907
1,737,669

1,422,950
337,316
3,635
60,438
20,311
7,699,186
2,484,569
669,306
1,815,263

51,300,000 <<gross receivable


27,871,780 <<Net receivable
2,885,000
1,361,000
37,401,000
1.7%
19,098

27.5
2.38
25%
1,958
7%
balance sheet - loan size, NPL

P&L
(in mio IDR)
Periodicity 2014 2015 2016 2017
INCOME
Consumer Financing 5,988,568 7,155,143 8,008,719 8,462,870
Murabahah margin
Interest and penalty 196,724 165,695 167,575 121,046
Finance Leases
Others 154,054 138,656 144,985 12,902
Total Income 6,339,346 7,459,494 8,321,279 8,596,818
EXPENSES
Operating Expenses 1,893,547 2,177,920 2,574,170 2,460,589
Salaries and benefits
G&A
Marketing
Interest expense and financing charges 1,582,318 2,062,062 2,201,631 2,232,652
Provision for impairment losses 762,690 718,793 517,909 844,731
Consumer Financing
Murabahah financing
finance leases
Revenue sharing for mdharabah bonds
others 361,849 457,322 416,549 388,415
Total expenses 4,600,404 5,416,097 5,710,259 5,926,387
EBT 1,738,942 2,043,397 2,611,020 2,670,431
Tax 431,748 536,734 805,334 674,460
Income for the year 1,307,194 1,506,663 1,805,686 1,995,971

Stats
Consumer Financing receivables (million IDR) 23,266,710 25,962,056 28,000,574 29,272,077
Number of consumer 3,924,427 4,187,841 4,400,000 4,500,000
Number of contracts 2,696,274 2,784,068 3,167,050 3,306,891
Contract value (million IDR) 25,416,000 27,531,000 31,412,332 33,614,679
NPL 1.3% 1.4% 0.7% 0.7%
Employee 15,754 16,788 18,675 17,452

Contract size (mio IDR) 9.4 9.9 9.9 10.2


Consumer financing revenue/consumer (mio IDR 1.53 1.71 1.82 1.88
Revenue/Receivable margin 26% 28% 29% 29%
Contract value (mio IDR) /employee 1,613 1,640 1,682 1,926
2018

9,348,055

107,215

6,108
9,461,378

2,776,760

2,178,338
1,014,709

391,524
6,361,331
3,100,047
784,985
2,315,062

32,089,806

3,526,269
37,426,675
0.7%
17,162

10.6

29%
2,181