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Publikasi LapKeu Triwulanan Des 2023 (EN).pdf
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CONSOLIDATED FINANCIAL STATEMENTS
PT BANK BTPN Tbk and Subsidiaries
31 DECEMBER 2023 AND 2022
(In Million Rupiah)
STATEMENTS OF FINANCIAL POSITION STATEMENTS OF PROFIT LOSS AND OTHER COMPREHENSIVE INCOME EARNING ASSETS QUALITY AND OTHER INFORMATION
As of 31 December 2023 and 2022 For the years ended on 31 December 2023 and 2022 As of 31 December 2023 and 2022
( In m illion R u p iah ) ( In m illion Ru p iah , u n less earn in g p er sh are) ( In m illion Ru p iah )
INDIVIDUAL CONSOLIDATED INDIVIDUAL CONSOLIDATED INDIVIDUAL
31 Dec 2023 31 Dec 2022
No. ACCOUNTS 31 Dec 2023 31 Dec 2022 31 Dec 2023 31 Dec 2022 No. ACCOUNTS No. ACCOUNTS
31 Dec 2023 31 Dec 2022 31 Dec 2023 31 Dec 2022 Audited Audited
Audited Audited Audited Audited Audited Audited Audited Audited Current Special Substandard Doubtful Loss Total Current Special Substandard Doubtful Loss Total
AS S E T I. RE L AT E D P ART IE S
O P E RAT ING INCO M E AND E X P E NS E S
1. Cash 931,530 1,017,618 1,428,683 1,747,461 1. Placements with other banks 462,061 - - - - 462,061 639,707 - - - - 639,707
2. Placements with Bank Indonesia 17,236,809 30,664,044 18,000,252 31,395,471 A. In terest In com e an d E xp en ses a. Rupiah - - - - - - - - - - - -
3. Placements with other banks 958,732 2,661,799 1,200,387 2,894,654 1. Interest Income 13,075,311 10,527,940 18,821,492 15,901,730 b. Foreign currencies 462,061 - - - - 462,061 639,707 - - - - 639,707
4. Spot and derivative / forward receivables 1,133,149 1,746,824 1,133,149 1,746,824 2. Interest Expenses (6,285,177) (3,876,891) (6,772,370) (4,221,331) 2. Spot and derivative receivables 496,225 - - - - 496,225 615,160 - - - - 615,160
a. Rupiah - - - - - - - - - - - -
5. Securities 8,547,321 11,301,039 17,038,501 18,835,877 Net In terest In com e 6,790,134 6,651,049 12,049,122 11,680,399
b. Foreign currencies 496,225 - - - - 496,225 615,160 - - - - 615,160
6. Securities sold under repurchase agreements (repo) - - - - B. O th er O p eratin g In com e an d E xp en ses 3. Securities - - - - - - 185,510 - - - - 185,510
7. Claims from securities purchased under resale Gain (Loss) from increase (decrease) in fair value of financial
- - - - 1. (228,961) 218,426 (228,961) 218,426 a. Rupiah - - - - - - - - - - - -
agreements (reverse repo) assets b. Foreign currencies - - - - - - 185,510 - - - - 185,510
8. Acceptance receivables 3,289,757 3,069,854 3,289,757 3,069,854 Gain (Loss) from increase (decrease) in fair value of financial
2. - - - - 4. Securities sold under repurchase
9. Loans 145,173,436 134,596,053 145,173,436 134,596,053 liabilities - - - - - - - - - - - -
agreements (Repo)
10. Sharia financing/receivables - - 11,387,861 11,527,463 3. Gain (Loss) from sale of financial assets 58,512 36,246 58,512 36,246
a. Rupiah - - - - - - - - - - - -
11. Equity Investments 1,308,484 1,308,484 102,586 103,473 Gain (Loss) from spot and derivative / forward transactions
4. 1,032,561 70,609 1,032,561 70,609 b. Foreign currencies - - - - - - - - - - - -
(realised)
12. Other financial asset 1,121,451 892,697 1,361,853 1,096,415 5. Claims on securities purchased - - - - - - - - - - - -
5. Gain (Loss) from investment under equity method - - - -
13. Impairment on financial assets -/- (3,413,725) (2,816,274) (4,627,641) (3,585,199) under resale agreements
a. Securities (799) (999) (799) (999) 6. Gain (Loss) from foreign exchange translation (152,333) 492,010 (152,333) 495,838 (Reverse Repo)
b. Loans and Sharia financing (3,404,131) (2,810,194) (4,618,047) (3,579,119) 7. Dividend revenue 498,815 332,993 1 1 a. Rupiah - - - - - - - - - - - -
c. Others (8,795) (5,081) (8,795) (5,081) 8. Commissions/provisions/fees and administration 822,113 801,571 823,453 802,923 b. Foreign currencies - - - - - - - - - - - -
14. Intangible assets 3,096,432 2,880,272 3,541,155 3,237,937 9. Other income 473,302 1,082,123 532,912 1,142,589 6. Acceptance receivables - - - - - - - - - - - -
Accumulated amortization of intangible assets -/- (2,278,908) (2,035,262) (2,451,771) (2,161,199) 7. Loans
10. Impairment losses on financial assets (1,118,558) (1,651,505) (3,016,675) (2,596,557)
a. Micro, Small and Medium
15. Fixed assets and equipment 3,958,107 4,017,129 5,040,250 5,109,182 - - - - - - - - - - - -
11. Losses related to operational risks (11,771) (1,672) (19,193) (7,620) Enterprises (UMKM)
Accumulated depreciation on fixed assets and (2,286,537) (2,277,391) (2,992,438) (2,990,677)
12. Personnel expenses (2,395,212) (2,212,191) (3,757,617) (3,405,333) i. Rupiah - - - - - - - - - - - -
equipment -/-
13. Promotion expenses (268,287) (254,998) (278,020) (260,947) ii. Foreign currencies - - - - - - - - - - - -
16. Non-productive assets 79,120 10,838 79,120 10,838 b. Non-Micro, Small and Medium 3,773,364 - - - - 3,773,364 2,387,393 - - - - 2,387,393
14. Other expenses (2,919,534) (2,854,445) (3,581,835) (3,518,898)
a. Abandoned properties 21,099 - 21,099 - Enterprises (Non-UMKM)
b. Foreclosed assets 58,021 10,838 58,021 10,838 Net O th er O p eratin g ( E xp en ses) In com e ( 4,209,353) ( 3,940,833) ( 8,587,195) ( 7,022,723)
i. Rupiah 79,043 - - - - 79,043 856,218 - - - - 856,218
c. Suspense accounts - - - - NE T O P E RAT ING INCO M E ( E X P E NS E S ) 2,580,781 2,710,216 3,461,927 4,657,676 ii. Foreign currencies 3,694,321 - - - - 3,694,321 1,531,175 - - - - 1,531,175
d. Interbranch assets - - - - c. Restructured loans - - - - - - - - - - - -
NO N- O P E RAT ING INCO M E AND E X P E NS E S i. Rupiah - - - - - - - - - - - -
17. Other assets 2,386,178 2,203,832 2,743,252 2,535,277
1. Gain (Loss) from sale of fixed assets and equipments (6,963) (358) (5,370) 3,381 ii. Foreign currencies - - - - - - - - - - - -
T O T AL AS S E T 181,241,336 189,241,556 201,448,392 209,169,704
8. Equity Investment 1,308,462 - - - - 1,308,462 1,308,462 - - - - 1,308,462
L IA B IL IT IE S A N D E Q U IT Y 2. Other non-operating income (expenses) 2,785 (1,941) 1,125 (3,738)
9. Other receivables 4,978 - - - - 4,978 - - - - - -
L IA B IL IT IE S NE T NO N O P E RAT ING INCO M E ( E X P E NS E S ) ( 4,178) ( 2,299) ( 4,245) ( 357) 10. Commitment and contingencies 4,331,821 - - - - 4,331,821 3,385,393 - - - - 3,385,393
1. Demand deposits 26,604,674 23,738,156 26,628,683 23,765,802 P RO F IT ( L O S S ) F O R T HE CURRE NT P E RIO D BE F O RE a. Rupiah 102,698 - - - - 102,698 67,466 - - - - 67,466
2,576,603 2,707,917 3,457,682 4,657,319
T AX
2. Saving deposits 14,470,875 13,454,911 17,558,817 16,396,199 b. Foreign currencies 4,229,123 - - - - 4,229,123 3,317,927 - - - - 3,317,927
Income T ax: (475,892) (524,941) (775,198) (1,027,755)
3. T ime deposits 54,980,210 65,624,952 64,011,076 74,704,547 II. NO N- RE L AT E D P ART IE S
a. Estimated current period tax (515,875) (504,435) (927,343) (1,014,600) 1. Placements with other banks 496,671 - - - - 496,671 2,022,092 - - - - 2,022,092
4. Electronic money - - - -
b. Deferred tax income (expenses) 39,983 (20,506) 152,145 (13,155) a. Rupiah 114,534 - - - - 114,534 369,866 - - - - 369,866
5. Liabilities to Bank Indonesia - - - -
NE T P RO F IT ( L O S S ) F O R T HE CURRE NT P E RIO D 2,100,711 2,182,976 2,682,484 3,629,564 b. Foreign currencies 382,137 - - - - 382,137 1,652,226 - - - - 1,652,226
6. Liabilities to other banks 10,818,444 176,227 10,814,638 166,131
2. Spot and derivative receivables 634,476 2,448 - - - 636,924 1,125,348 6,316 - - - 1,131,664
7. Spot and derivative / forward liabilities 1,072,104 1,447,736 1,072,104 1,447,736 M INO RIT Y INT E RE S T P RO F IT ( L O S S ) 324,150 533,863
a. Rupiah 488,501 - - - - 488,501 1,067,858 5,593 - - - 1,073,451
8. Securities sold under repurchase agreements (repo) - - - -
O T HE R CO M P RE HE NS IV E INCO M E b. Foreign currencies 145,975 2,448 - - - 148,423 57,490 723 - - - 58,213
9. Acceptance liabilities 2,323,633 2,356,828 2,323,633 2,356,828
3. Securities 8,547,321 - - - - 8,547,321 11,115,529 - - - - 11,115,529
10. Securities issued 200,569 200,134 200,569 200,134 1. Item s th at are n ot b ein g reclassif ied to P rof it L oss 8,344 ( 33,618) 7,714 ( 29,023) a. Rupiah 7,588,389 - - - - 7,588,389 10,076,713 - - - - 10,076,713
11. Borrowings 34,283,897 47,925,106 34,283,897 48,025,106 a. Gain from fixed assets revaluation 79,772 - 79,772 - b. Foreign currencies 958,932 - - - - 958,932 1,038,816 - - - - 1,038,816
12. Margin deposits - - - - 4. Securities sold under repurchase
b. Gain (Loss) from remeasurement benefecial pension program (71,428) (33,618) (72,058) (29,023) agreements (Repo) - - - - - - - - - - - -
13. Interbranch liabilities - - - -
14. Other liabilities 2,756,110 2,087,628 3,271,871 2,694,197 c. Others - - - - a. Rupiah - - - - - - - - - - - -
15. Minority Interest 2,616,678 2,506,348 2. Item s th at are b ein g reclassif ied to P rof it L oss 10,554 ( 125,554) 10,634 ( 125,579) b. Foreign currencies - - - - - - - - - - - -
T O T A L L IA B IL IT Y 147,510,516 157,011,678 162,781,966 172,263,028 5. Claims on securities purchased
a. Gain (Loss) from adjustment in foreign exchange translation - - - - under resale agreements - - - - - - - - - - - -
E Q U IT Y (Reverse Repo)
b. Gain (Loss) from changes in the fair value of financial asset on
16. Issued and fully paid-in capital 161,136 161,133 161,136 161,133 a. Rupiah - - - - - - - - - - - -
liability instrument which measured by fair value from other
a. Authorized capital 300,000 300,000 300,000 300,000 comprehensive income b. Foreign currencies - - - - - - - - - - - -
10,554 (125,554) 10,634 (125,579)
b. Unpaid capital -/- (137,018) (137,018) (137,018) (137,018) 6. Acceptance receivables 3,289,757 - - - - 3,289,757 3,069,854 - - - - 3,069,854
c. Others - - - -
c. T reasury stock -/- (1,846) (1,849) (1,846) (1,849) 7. Loans
O T HE R CO M P RE HE NS IV E INCO M E F O R T HE a. Micro, Small and Medium
17. Additional paid-in capital 11,175,667 11,175,197 11,145,923 11,143,883 18,898 ( 159,172) 18,348 ( 154,602)
CURRE NT P E RIO D - AF T E R O F T AX Enterprises (UMKM) 5,580,706 108,602 30,499 25,545 346,463 6,091,815 5,611,597 67,486 16,883 27,039 318,209 6,041,214
a. Agio 10,914,866 10,914,396 10,909,389 10,907,349
i. Rupiah 5,580,706 108,602 30,499 25,545 346,463 6,091,815 5,611,597 67,486 16,883 27,039 318,209 6,041,214
b. Disagio -/- - - - - T O T AL CURRE NT CO M P RE HE NS IV E P RO F IT
2,119,609 2,023,804 2,700,832 3,474,962 ii. Foreign currencies - - - - - - - - - - - -
(LOSS)
c. Fund for paid up capital - - - - b. Non-Micro, Small and Medium
d. Others 260,801 260,801 236,534 236,534 Net in com e of th e cu rren t p eriod attrib u tab le to: Enterprises (Non-UMKM)
127,666,500 6,282,212 174,542 75,065 1,109,938 135,308,257 119,666,432 5,093,063 363,499 64,624 979,828 126,167,446
18. Other comprehensive income 860,288 841,390 886,452 867,939 i. Rupiah 85,602,181 5,399,786 66,763 75,065 1,109,938 92,253,733 79,133,661 1,955,906 246,743 64,624 979,828 82,380,762
a. Profit 953,361 849,140 979,525 875,689 - Owners of T he Parent 2,100,711 2,182,976 2,358,334 3,095,701
ii. Foreign currencies 42,064,319 882,426 107,779 - - 43,054,524 40,532,771 3,137,157 116,756 - - 43,786,684
b. Loss -/- (93,073) (7,750) (93,073) (7,750) - Non Controlling Interest 324,150 533,863 c. Restructured loans 1,121,611 2,591,611 16,861 13,524 1,119,941 4,863,548 5,327,051 695,142 206,069 29,091 1,156,985 7,414,338
19. Reserves 32,596 32,596 32,596 32,596 NET PROFIT (LOSS) FOR T HE CURRENT PERIOD 2,100,711 2,182,976 2,682,484 3,629,564 i. Rupiah 1,121,611 2,591,611 16,861 13,524 1,119,941 4,863,548 4,383,614 695,142 206,069 29,091 1,156,985 6,470,901
a. General reserves 32,596 32,596 32,596 32,596 T otal cu rren t com p reh en sive P rof it ( L oss) attrib u tab le ii. Foreign currencies - - - - - - 943,437 - - - - 943,437
b. Appropriate reserves - - - - to : 8. Equity Investment 22 - - - - 22 22 - - - - 22
20. Profit/loss 21,501,133 20,019,562 26,440,319 24,701,125 - Owners of T he Parent 2,119,609 2,023,804 2,376,847 2,939,728 9. Other receivables 30,545 - - - - 30,545 - - - - - -
20,019,562 17,836,586 24,701,125 21,605,424 10. Commitment and contingencies 116,245,727 1,378,716 - - - 117,624,443 112,833,010 1,812,732 50,000 - - 114,695,742
a. Previous years - Non Controlling Interest 323,985 535,234
a. Rupiah 55,817,198 790,094 - - - 56,607,292 56,847,316 504,509 50,000 - - 57,401,825
b. Current year 2,100,711 2,182,976 2,358,334 3,095,701
T OT AL CURRENT COMPREHENSIVE PROFIT (LOSS) 2,119,609 2,023,804 2,700,832 3,474,962 b. Foreign currencies 60,428,529 588,622 - - - 61,017,151 55,985,694 1,308,223 - - - 57,293,917
c. Payable dividend -/- (619,140) - (619,140) -
P RO F IT ( L O S S ) T RANS F E RRE D T O HE AD O F F ICE - - - - III. O T HE R INF O RM AT IO N
T O T A L E Q U IT Y A T T R IB U T A B L E T O T H E 1. Value of Bank's assets pledged
DIV IDE N D 619,140 - 619,140 -
O W NE RS O F P ARE NT S 33,730,820 32,229,878 38,666,426 36,906,676 as collateral:
E ARNING P E R S HARE ( F u ll am ou n t)
a. T o Bank Indonesia - -
T O T A L E Q U IT Y 33,730,820 32,229,878 38,666,426 36,906,676 - Basic 261 271 293 384 b. T o other parties - -
T O T A L L IA B IL IT Y A N D E Q U IT Y 181,241,336 189,241,556 201,448,392 209,169,704 - Diluted 261 271 293 384 2. Foreclosed assets 58,021 10,838
ALLOWANCE FOR IMPAIRMENT LOSSES CAPITAL ADEQUACY RATIO
As of 31 December 2023 and 2022
As of 31 December 2023 and 2022 ( In m illion R u p iah )
( I n m i l l i on R u p i ah ) 31 Dec 2023 31 Dec 2022
INDIVIDUAL ACCOUNTS Audited Audited
31 Dec 2023 31 Dec 2022 INDIVIDUAL CONSOLIDATED INDIVIDUAL CONSOLIDATED
I. C ore C ap ital ( T ier 1) 31,015,970 36,613,893 29,178,186 34,966,039
No. ACCOUNTS Audited Audited
1. C om m on E q u ity T ier 1 ( C E T 1) 31,015,970 36,613,893 29,178,186 34,966,039
Allowance for Impairment Required Provision Allowance for Impairment Required Provision 1.1 P aid in cap ital ( less T reasu ry stock) 161,136 161,136 161,133 161,133
Stage 1 Stage 2 Stage 3 General Specific Stage 1 Stage 2 Stage 3 General Specific 1.2 D isclosed reserves 33,399,879 38,337,357 31,532,432 36,507,624
1.2.1 Additional Factor 33,401,956 38,339,434 31,837,340 36,515,523
1. Placements with other banks 158 - - 9,587 - 585 - - 26,618 - 1.2.1.1 Other comprehensive income 953,361 957,130 870,786 874,453
2. Spot and derivative receivables - - - 11,307 122 - - - 17,241 316 1.2.1.1.1 Excess differences arising from translation of financial statement - - - -
3. Securities 703 96 - 10,858 - 947 52 - 20,735 - 1.2.1.1.2 Potential gain of the increase in the fair value of financial assets available for sale 2,804 2,906 - -
1.2.1.1.3 Fixed asset revaluation 950,557 954,224 870,786 874,453
4. Securities sold under repurchase - - - - - - - - - - 1.2.1.2 Other disclosed reserves 32,448,595 37,382,304 30,966,554 35,641,070
agreements (Repo) 1.2.1.2.1 Agio 10,914,866 10,909,389 10,914,396 10,907,349
5. Claims on securities purchased under 1.2.1.2.2 General reserves 32,596 32,596 32,596 32,596
- - - - - - - - - - 1.2.1.2.3 Previous years profit 19,400,422 24,081,985 17,836,586 21,605,424
resale agreements (Reverse Repo)
1.2.1.2.4 Current year profit 2,100,711 2,358,334 2,182,976 3,095,701
6. Acceptance receivables 2,072 6,565 - 32,897 - 3,225 1,271 - 30,413 - 1.2.1.2.5 Capital paid in advance - - - -
7. Loans and f inancing 631,482 168,947 2,603,702 1,366,741 1,852,552 698,597 272,612 1,838,985 1,272,558 1,658,954 1.2.1.2.6 Others - - - -
1.2.2 Deduction Factor (2,077) (2,077) (304,908) (7,899)
8. Equity Investments - - - 13,085 - - - - 13,085 -
1.2.2.1 Other comprehensive income - - (7,750) (7,705)
9. Other receivables - - - 355 - - - - - - 1.2.2.1.1 Excess differences less from translation of financial statement - - - -
10. Commitment and contingencies 29,446 23,544 - 61,263 68,844 28,468 11,484 49,496 64,660 98,106 1.2.2.1.2 Potential losses from the decrease in the fair value of financial assets available for sale - - (7,750) (7,705)
1.2.2.2 Other disclosed reserve (2,077) (2,077) (297,158) (194)
FINANCIAL RATIOS STATEMENTS OF CONSOLIDATED CASH FLOWS 1.2.2.2.1 Disagio
1.2.2.2.2 Previous years loss
-
-
-
-
-
-
-
-
As of 31 December 2023 dan 2022
For the years ended on 31 December 2023 and 2022 1.2.2.2.3 Current year loss - - - -
31 Dec 2023 31 Dec 2022 1.2.2.2.4 Differences between required provision and allowance for impairment losses of earning assets - - (296,964) -
RATIOS (%) ( In m illion Ru p iah )
Audited Audited 1.2.2.2.5 Negative differences on adjustment of fair value on financial instrument in the T rading Book - - - -
P erf orm an ce R ati os 31 Dec 2023 31 Dec 2022 1.2.2.2.6 Required provision on non-productive assets (2,077) (2,077) (194) (194)
1. Capital Adequacy Ratio (CAR) 27.52% 25.94%
ACCOUNTS 1.2.2.2.7 Others - - - -
Audited Audited 1.3 N on - C on trollin g In terests th at can b e calcu lated - - - -
2. Non-perf orming earning assets and non-earning assets to total
earning assets and non-earning assets 0.61% 0.62% CAS H F L O W S F RO M O P E RAT ING ACT IV IT IE S 1.4 D ed u ction f actor to com m on eq u ity tier 1 ( C E T 1) ( 2,545,045) ( 1,884,600) ( 2,515,379) ( 1,702,718)
1.4.1 Deferred tax calculation (441,560) (715,152) (384,408) (545,029)
3. Non-perf orming earning assets to total earning assets 0.61% 0.62% Receipt from interest 12,876,098 10,253,185
1.4.2 Goodwill - (61,116) - (61,116)
4. Allowance f or impairment losses on f inancial assets to earning 2.02% 1.60%
Receipt from sharia income 5,709,497 5,343,253 1.4.3 Other intangible assets (817,524) (1,028,268) (845,010) (1,015,622)
assets
5. NPL gross 1.23% 1.32% Payments of interest expense (7,016,441) (3,782,757) 1.4.4 Investment that can be calculated as deduction factor (1,285,961) (80,064) (1,285,961) (80,951)
1.4.5 Shortage of capital on insurance subsidiary company - - - -
6. NPL net 0.41% 0.45% Payments of sharia expenses (483,478) (339,201) 1.4.6 Securitization exposures - - - -
7. Return on Asset (ROA) 1.44% 1.52%
8. Return on Equity (ROE) 6.95% 7.63%
Receipt from other operating income 1,713,128 2,024,702 1.4.7 Other deduction factor to common equity tier 1 - - - -
Recovery from written-off loans 429,855 363,903 1.4.7.1 Placement of funds in instruments AT 1 and / or T ier 2 other banks - - - -
9. Net Interest Margin (NIM) 4.07% 3.99%
1.4.7.2 Cross-ownership in another entity acquired by the transition because of the law, grants, or grants will - - - -
10. Operating Expenses to Operating Revenues 83.83% 80.02% Payments of personnel expenses (3,675,151) (3,440,912) 1.4.7.3 Exposure that causing Credit Risk due to settlement risk - Non Delivery Versus Payment - - - -
11. Cost to Income Ratio (CIR) 58.30% 54.96%
12. Loan to Deposit Ratio (LDR)
Payments of other operating expenses (2,541,605) (2,695,092) 1.4.7.4 Exposure in child company which held sharia principle - - - -
148.86% 130.29%
2 A d d ition al T ier 1 ( A T 1) - - - -
C om p l i an ce R ati os Other payments 6,649 10,185
2.1 T h e in stru m en t m eets th e req u irem en ts of A T 1 - - - -
1. a. Percentage Violation of Legal Lending Limit Payments of corporate income tax (889,965) (1,163,421) 2.2 A g io / D isag io - - - -
i. Related parties 0.00% 0.00% 2.3 D ed u ction F actors : In vestm en t in A T 1 an d /or T ier 2 in stru m en ts with oth er B an k - - - -
Cash f lows b ef ore ch an g es in op eratin g assets, op eratin g
ii. Non-related parties 0.00% 0.00% 6,128,587 6,573,845 2.3.1 Placement of funds in instruments AT 1 and/or T ier 2 other banks - - - -
b. Percentage Lending in Excess of the Legal Lending Limit liab ilities an d tem p orary syirkah f u n d s 2.3.2 Cross-ownership in another entity acquired by the transition because of the law, grants, or grants will - - - -
i. Related parties 0.00% 0.00% II. S u p p lem en tary C ap ital ( T ier 2) 4,436,444 4,543,487 4,527,153 4,626,967
Ch an g es in op eratin g assets, op eratin g liab ilities, an d 1 Capital instrument in form of shares or others which are qualified T ier 2 requirements 2,976,753 2,976,753 3,113,500 3,113,500
ii. Non-related parties 0.00% 0.00%
2. Statutory Reserves Requirements
tem p orary syirkah f u n d s: 1.1 Preferred Stock (perpetual cumulative, non perpetual), after buy back deduction - - - -
1.2 Subordinated bonds (perpetual cumulative, non perpetual), after buy back deduction - - - -
a. Rupiah 8.30% 8.20% ( In crease) d ecrease in op eratin g assets: 1.3 Subordinated loan (perpetual cumulative, non perpetual), after buy back deduction 3,079,400 3,079,400 3,113,500 3,113,500
- Daily 0.00% 0.00%
- Average 8.30% 8.20% Placements with Bank Indonesia and other banks - with maturity 1.4 Mandatory convertible bond - - - -
b. Foreign Currencies 4.02% 4.02% more than 3 months - 150,000 1.5 T ier 2 published by bank and non bank which acquired by other party (consolidated) - - - -
1.6 Amortization based on remaining maturity 102,647 102,647 - -
3. Net Open Posisition 0.52% 0.33% Fair value through profit or loss securities - -
2 Agio/Disagio - - - -
Derivative receivables 613,675 (1,178,125) 3 General required provision of earning assets (maximum 1.25% of RW A) 1,459,691 1,566,734 1,413,653 1,513,467
SPOT AND DERIVATIVE / FORWARD TRANSACTIONS
Acceptance receivables (219,903) (1,307,292) 4 Deduction factor to supplementary capital - - - -
As of 31 December 2023 4.1 Sinking Fund - - - -
( In m illion R u p iah ) Loans (11,142,017) (10,762,631) 4.2 Placement of funds in instruments AT 1 and / or T ier 2 other banks - - - -
INDIVIDUAL Sharia financing/receivables (1,361,808) (2,034,218) 4.3 Cross-ownership in another entity acquired by the transition because of the law, grants, or grants will - - - -
Derivative Receivables In crease ( d ecrease) in op eratin g liab ilities: T O T A L C A P IT A L 35,452,414 41,157,380 33,705,339 39,593,006
No. TRANSACTION Notional Objective 31 Dec 2023 31 Dec 2022 31 Dec 2023 31 Dec 2022
and Payables Obligations due immediately 12,561 25,790
Amount Audited Audited DESCRIPTION Audited Audited
Trading Hedging Receivables Payables Deposits from customers (6,745,531) 4,549,060 INDIVIDUAL CONSOLIDATED INDIVIDUAL CONSOLIDATED INDIVIDUAL CONSOLIDATED INDIVIDUAL CONSOLIDATED
A. R elated to Deposits from other banks 10,648,507 (3,711,720) R IS K W E IG H T E D A S S E T ( R W A ) C A R R A T IO
E xch an g e R ate 28,948,071 2,064,399 26,883,672 152,034 174,968 R W A C R E D IT R IS K 116,728,894 125,294,554 113,060,445 121,057,375 C E T 1 R atio ( % ) 24.08% 26.60% 22.45% 24.10%
Derivative payables (375,632) 945,245 R W A M A R K E T R IS K 1,856,501 1,856,501 717,272 717,272 T ier 1 R atio ( % ) 24.08% 26.60% 22.45% 24.10%
1 Spot 2,249,277 2,063,255 186,022 1,668 3,235
Acceptance payables (33,195) 1,396,620 R W A O P E R A T IO N A L R IS K 10,225,433 10,500,842 16,171,334 23,316,768 T ier 2 R atio( % ) 3.44% 3.30% 3.48% 3.19%
2 Forward 2,941,835 1,144 2,940,691 42,709 6,061 T O T AL RW A 128,810,828 137,651,897 129,949,051 145,091,415 C A R R atio ( % ) 27.52% 29.90% 25.94% 27.29%
3 Option - - - - - In crease in tem p orary syirkah f u n d s 77,559 937,358 C A R R A T IO B A S E D O N R IS K P R O F IL E ( % ) 9.21% 9.21% 9.23% 9.23% C E T 1 f or B U F F E R ( % ) 18.08% 20.60% 16.45% 18.06%
a. Put - - - - - C A R A L L O C A T IO N B A S E D O N R IS K P R O F IL E B U F F E R P E R C E N T A G E S H O U L D B E F U L F IL L E D B Y B A N K ( % )
Net cash f lows ( u sed in ) p rovid ed f rom op eratin g activities ( 2,397,197) (4,416,068) F rom C E T 1 ( % ) 6.00% 6.00% 6.00% 6.04% C ap ital C on servation B u f f er ( % ) 2.50% 2.50% 2.50% 2.50%
b. Call - - - - -
4 Future - - - - - F rom A T 1 ( % ) 0.00% 0.00% 0.00% 0.00% C ou n tercyclical B u f f er ( % ) 0.00% 0.00% 0.00% 0.00%
CAS H F L O W S F RO M INV E S T ING ACT IV IT IE S F rom T ier 2 ( % ) 3.21% 3.21% 3.23% 3.19% C ap ital S u rch arg e F or S ystem ic B an k 1.00% 1.00% 1.00% 1.00%
5 Swap 23,756,959 - 23,756,959 107,657 165,672 (%)
6 Others - - - - - Purchase of securities (10,501,020) (9,444,754)
B. R elated to Proceeds from sale of securities 11,544,675 13,232,763
S HAREHOLDERS
1
In terest R ate
Forward
9,741,599
-
-
-
9,741,599
-
417,054
-
404,012
-
Investment in equity share - - MANAGEMENT As of 3 1 De c e mbe r 2 0 2 3
Purchases of fixed assets (215,390) (194,386)
2 Option
a. Put
-
-
-
-
-
-
-
-
-
-
Acquisition of right-of-use asset (3,542) (13,360) As of 31 December 2023
b. Call - - - - -
Acquisition of intangible assets (436,590) (433,840) Ultima te S ha re holde r:
3 Future - - - - -
Proceeds from sale of fixed assets 5,877 5,569
4
5
Swap
Others
9,741,599
-
-
-
9,741,599
-
417,054
-
404,012
-
Net cash f lows p rovid ed f rom ( u sed in ) in vestin g activities 394,010 3,151,992 BOARD OF COMMISSIONERS Ultimate Shareholder : Sumitomo Mitsui Financial Group
C. O th ers 29,796,948 - 29,796,948 564,061 493,124 CAS H F L O W S F RO M F INANCING ACT IV IT IE S
through Sumitomo Mitsui Banking Corporation : 89.98%
T O T AL 68,486,618 2,064,399 66,422,219 1,133,149 1,072,104 Proceeds of securities issued - (799,000) - President Commissioner : Chow Ying Hoong
Proceeds from borrowings 27,232,047 16,145,873 Non- c ontrolling sha re holde r through c a pita l ma rke t ( ≥ 5 %) :
STATEMENTS OF COMMITMENT AND CONTIGENCIES Installment payments and settlement of borrowings (40,171,851) (6,002,777) - Commissioner : Takeshi Kimoto None
As of 31 December 2023 and 2022 Sales of treasury shares to public 2,108 1,768
( In million Rupiah)
INDIVIDUAL CONSOLIDATED
Payments of dividend (832,860) (142,633) - Independent Commissioner : Ninik Herlani Masli Ridhwan Non- c ontrolling sha re holde r not through c a pita l ma rke t ( ≥ 5 %) :
Payment of lease liabilities principals (116,558) (146,455)
No. ACCOUNTS 31 Dec 2023 31 Dec 2022 31 Dec 2023 31 Dec 2022
Audited Audited Audited Audited
Net cash f lows p rovid ed f rom f in an cin g activities ( 13,887,114) 9,056,776 - Independent Commissioner : Onny Widjanarko None
I. CO M M IT M E NT RE CE IV ABLE S
1. Unused borrowing facilities
80,982,245
40,326,914
53,122,010
20,661,055
80,982,245
40,326,914
53,122,010
20,661,055
NE T INCRE AS E IN CAS H AND CAS H E Q UIV AL E NT S ( 15,890,301) 7,792,700 - Independent Commissioner : Edmund Tondobala
2. Outstanding spot and derivative /
forward purchased
40,655,331 32,460,955 40,655,331 32,460,955
E F F E CT O F E X CHANG E RAT E CHANG E S O N CAS H AND
CAS H E Q UIV AL E NT S ( 14,462) 3,376 - Commissioner : Ongki Wanadjati Dana
3. Others - - - - CAS H AND CAS H E Q UIV AL E NT S AT T HE BE G INNING O F
39,377,753 31,581,677
II. CO M M IT M E NT LIABILIT IE S 156,823,356 144,508,014 156,823,356 144,528,046 Y E AR
1. Unused loans facilities 115,779,514 111,511,492 115,779,514 111,531,524 Jakarta, 26 February 2024
a. Committed 10,870,217 13,315,311 10,870,217 13,315,311 CAS H AND CAS H E Q UIV AL E NT S AT T HE E ND O F
23,472,990 39,377,753
b. Uncommitted 104,909,297 98,196,181 104,909,297 98,216,213 P E RIO D PT BANK BTPN Tbk
2. Outstanding irrevocable L/C 721,016 961,523 721,016 961,523 Cash an d cash eq u ivalen ts con sist of : BOARD OF DIRECTORS
3. Outstanding spot and derivative / Cash 1,428,683 1,747,461
forward sold 40,322,826 32,034,999 40,322,826 32,034,999
4. Others - - - -
Current accounts with Bank Indonesia
Current accounts with other banks
9,276,598
962,387
10,215,350
2,189,561 - President Director : Henoch Munandar
Placement with Bank Indonesia and other banks 8,961,654 21,885,214
III. CO NT ING E NT RE CE IV ABLE S
1. Guarantees received
30,270,312
30,270,312
31,249,359
31,249,359
30,315,051
30,270,312
31,291,695
31,249,359 Securities 2,843,668 3,340,167 - Deputy President Director : Kaoru Furuya
2. Others
IV . CO NT ING E NT LIABILIT IE S 5,455,734
-
5,608,120
- 44,739
5,455,734
42,336
5,608,120 S UP P L E M E NT AL CAS H F L O W INF O RM AT IO N:
23,472,990 39,377,753
- Deputy President Director : Darmadi Sutanto
1. Guarantees issued
2. Others
5,455,734
-
5,608,120
-
5,455,734
-
5,608,120
-
ACT IV IT IE S NO T AF F E CT ING CAS H F L O W
Purchases of fixed assets which are still payable (1,248) (790)
- Compliance Director : Dini Herdini
Notes: - Director : Atsushi Hino
1. The above consolidated financial information are prepared based on the Consolidated Financial Statements of PT BANK BTPN Tbk and Subsidiaries as of and the for years ended on 31 December 2023 and 2022
which were audited by Kantor Akuntan Publik Siddharta Widjaja & Rekan, a member firm of KPMG International, with 2023 partner in-charge : Novie, S.E., CPA, with unmodified opinion respectively in their reports dated
- Director : Keishi Kobata
22 February 2024 and 24 February 2023. - Director : Merisa Darwis
2. The consolidated financial information above is presented in order to meet:
a) Financial Services Authority Regulation No. 37/POJK.03/2019 dated 19 December 2019 regarding Transparency and Publication of Financial Statements for Banks; - Director : Hanna Tantani Henoch Munandar Hanna Tantani
b) Financial Services Authority Circular Letter No. 9/SEOJK.03/2020 dated 30 June 2020 regarding Transparency and Publication of Financial Statements for Conventional Commercial Banks; President Director Director
c) Financial Services Authority Regulation No. 14/POJK.04/2022 dated 18 August 2022 regarding Submission of Periodic Reports Issuer or Public Company;
d) Financial Services Authority Regulation No. 75 /POJK.04/2017 dated 21 December 2017 regarding the Responsibility of the Board of Directors of the Financial Statements.
3. Main foreign exchange rates: 31 December 2023: 1 USD = Rp 15.397,00; and 31 December 2022: 1 USD = Rp 15.567,50.
PT BANK BTPN Tbk is licensed and supervised by the Financial Services Authority (OJK), Bank Indonesia (BI) and member of the Indonesian Deposit Insurance Corporation (LPS) www.btpn.com
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