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PUBLIKASI Q1 2026 – PT BANK BTPN SYARIAH TBK (27 April 2026)
Page 2
                                                                                                                                  LAPORANAPORAN KEUANGAN
                                                                                                                                                KEUANGAN
                                                                                                                               PT BANKPTBTPN       SYARIAH
                                                                                                                                        BANK BTPN SYAR
                                                                                                                                            31 u 2025
                                                                                                                                                       AH TBK Tbk
                                                                                                                                     31 Maret 2026
                                                                   W                                                                                                                                                                                                                     W                                                                                                                            W                                                                                                                   W

                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        Individual        Konsolidasi       Individual        Konsolidasi
                                                                                                                                                                                                                                                                                                                                                                         I     Modal Inti (Tier 1)
                                                                                                                                                        PENDAPATAN DAN BEBAN OPERASIONAL
                                                                                                                                                        A. Pendapatan dan Beban Operasional dari Penyaluran Dana                                                                                                                                                                                                                                                                                                                                                              770.370            770.370          770.370            770.370
  1.   Kas                                                                       373.561             628.080            373.561            628.080       1.     Pendapatan Penyaluran Dana                                                                                                        1.244.592        1.294.054        1.247.088         1.296.888
  2.   Penempatan pada Bank Indonesia                                           1.189.604        1.478.241             1.189.604          1.478.241
  3.   Penempatan pada bank lain                                                    2.375               6.156           262.524            264.048                                                                                                                                                1.073.978        1.136.776        1.073.978         1.136.776
  4.                                                                                     -                   -                  -                  -                                                                                                                                                      -                -                -                   -                                                                                                                                                                                                                    -                  -                -                  -
  5.   Surat berharga yang dimiliki                                            10.411.836        9.888.599         10.415.886             9.892.649                                                                                                                                                       -                -                -                   -                                                                                                                                                                                                                 143               143               245               245
  6.                                                                                     -                   -                  -                  -                                                                                                                                                      -                -                -                   -                                                                                                                                                                                                              13.053             13.053           13.053             13.053
  7.   Tagihan akseptasi                                                                 -                   -                  -                  -                                                                                                                                                      -                -                -                   -
  8.   Piutang                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                880.995            880.995          880.995            880.995

                                                                                9.512.309        9.189.373             9.512.309          9.189.373                                                                                                                                                  2.400                 -           2.400                    -                                                                                                                                                                                                             165.000            165.000          145.000            145.000
                                                                                         -                   -                  -                  -                                                                                                                                                12.646            7.994           12.646               7.994                                                                                                                                                                                                             8.092.011         8.052.272         7.432.819         7.441.114
                                                                                         -                   -                  -                  -                                                                                                                                                      -                -                -                   -                                                                                                                                                                                                             317.150            319.433          309.797            310.790
                                                                                       89                  97                 89                 97                                                                                                                                                       -                -                -                   -                                                                                                                                                                                                                    -                  -                -                  -
                                                                                         -                   -                  -                  -                                                                                                                                               155.568          149.284          158.064           152.118                                                                                                                                                                                                                       -                  -                -                  -
  9.   Pembiayaan bagi hasil                                                                                                                              2.    Bagi hasil untuk pemilik dana investasi -/-                                                                                       (113.052)        (122.564)        (113.050)         (122.562)                                                                                                                                                                                                                      -                  -                -                  -
                                                                                 200.000             200.000            200.000            200.000                                                                                                                                                (113.052)        (122.564)        (113.050)         (122.562)                                                                                                                                                                                                                      -                  -                -                  -
                                                                                 914.684             963.285            914.684            963.285                                                                                                                                                        -                -                -                   -
                                                                                         -                   -                  -                  -      3.    Pendapatan Setelah Distribusi Bagi Hasil                                                                                          1.131.540        1.171.490        1.134.038         1.174.326
 10. Pembiayaan sewa                                                                     -                   -                  -                  -    B. Pendapatan dan Beban Operasional Selain dari Penyaluran Dana                                                                                                                                                                                      1.2.2.1.1 Selisih kurang penjabaran laporan keuangan                                                                                                                    -                  -                -                  -
 11. Penyertaan modal                                                            297.000             297.000                    -                  -     1.     Keuntungan/kerugian dari peningkatan/penurunan nilai wajar aset keuangan                                                               111                 -             111                    -                                            1.2.2.1.2 Potensi kerugian dari penurunan nilai wajar aset keuangan yang diukur pada nilai wajar melalui penghasilan komprehensif lain                                  -                  -                -                  -
 12. Aset keuangan lainnya                                                       194.700             218.557            194.700            218.557       2.     Keuntungan/kerugian dari penurunan/peningkatan nilai wajar liabilitas keuangan                                                            -                -                -                   -
 13. Cadangan kerugian penurunan nilai aset keuangan -/-                         (865.159)          (881.472)          (865.361)           (881.472)     3.     Keuntungan/kerugian penjualan aset keuangan                                                                                             31                 -              31                    -                                                                                                                                                                                                                    -                  -                -                  -
 14. Salam                                                                               -                   -                  -                  -     4.     Keuntungan/kerugian transaksi spot dan forward (realised)                                                                                 -                -                -                   -                                                                                                                                                                                                                    -                  -                -                  -

 15.                                                                                     -                   -                  -                  -     5.                                                                                                                                               -                -                -                   -                                                                                                                                                                                                                    -                  -                -                  -

                                                                                         -                   -                  -                  -     6.     Keuntungan/kerugian penjabaran transaksi valuta asing                                                                                     -                -              10               1.538                                                                                                                                                                                                                     -                  -                -                  -

 16. Persediaan                                                                          -                   -                  -                  -     7.                                                                                                                                               -                -                -                   -                                                                                                                                                                                                                    -                  -                -                  -

 17. Aset tidak berwujud                                                         178.822             184.444            178.822            184.444       8.     Dividen                                                                                                                                   -                -                -                   -                                                                                                                                                                                                                    -                  -                -                  -
 18. Aset tetap dan inventaris                                                   334.410             334.367            334.410            334.367       9.                                                                                                                                            380              422              380                 422
 19. Aset nonproduktif                                                                                                                                   10.    Pendapatan lainnya                                                                                                                   5.539           12.838            5.539              12.838
                                                                                         -                   -                  -                  -     11.                                                                                                                                            (85)             (11)             (85)                (11)                                                                                                                                                                                                            (195.923)         (195.923)         (193.144)         (198.783)
                                                                                         -                   -                  -                  -     12.                                                                                                                                      (137.636)        (215.360)        (137.838)         (218.075)                                                                                                                                                                                                                      -                  -                -                  -
                                                                                         -                   -                  -                  -     13.    Kerugian terkait risiko operasional -/-                                                                                              (1.332)          (1.241)          (1.332)             (1.241)                                                                                                                                                                                                            (178.822)         (178.822)         (208.391)         (208.391)
                                                                                         -                   -                  -                  -     14.    Beban (pemulihan) kerugian penurunan nilai aset lainnya (non keuangan) -/-                                                                -                -                -                   -                                                                                                                                                                                                             (297.000)                 -         (297.000)                 -
 20. Aset lainnya                                                                442.351             279.407            442.351            279.407       15.    Beban tenaga kerja -/-                                                                                                            (395.333)        (372.584)        (395.333)         (373.054)                                                                                                                                                                                                                      -                  -                -                  -
                                                                                                                                                         16.    Beban promosi -/-                                                                                                                    (4.032)          (2.008)          (4.032)             (2.008)                                                                                                                                                                                                                   -                  -                -                  -
                                                                                                                                                         17.    Beban lainnya -/-                                                                                                                 (196.175)        (197.947)        (196.175)         (198.389)
TOTAL ASET                                                                     23.186.582       22.786.134         23.153.579            22.751.076                                                                                                                                               (728.532)        (775.891)        (728.724)         (777.980)                                                                                                                                                                                                                      -                  -                -                  -
                                                                                                                                                                                                                                                                                                   403.008          395.599          405.314           396.346
                                                                                                                                                        PENDAPATAN/ BEBAN NON OPERASIONAL                                                                                                                                                                                                                                                                                                                                                                                            -                  -                -                  -
LIABILITAS DAN EKUITAS                                                                                                                                    1.    Keuntungan/ kerugian penjualan aset tetap dan inventaris                                                                             1.645               15            1.645                  15                                                                                                                                                                                                                     -                  -                -                  -
       LIABILITAS                                                                                                                                         2.    Pendapatan/ beban non operasional lainnya                                                                                             (186)            (584)            (186)               (587)
  1.                                                                                                                                                                                                                                                                                                 1.459             (569)           1.459                (572)                                                                                                                                                                                                                    -                  -                -                  -
                                                                                   45.026              42.562             45.026             42.562     LABA/ RUGI TAHUN BERJALAN SEBELUM PAJAK                                                                                                    404.467          395.030          406.773           395.774           II    Modal Pelengkap (Tier 2)
                                                                                 2.287.353           2.237.025          2.287.353          2.237.024                                                                                                                                                                                                                                                                                                                                                                                                                                 -                  -                -                  -
  2.                                                                                                                                                                                                                                                                                                (67.632)         (57.022)         (67.632)            (57.022)                                                                                                                                                                                                                   -                  -                -                  -
                                                                                         -                   -                  -                  -                                                                                                                                                (19.685)         (28.211)         (19.685)            (27.952)                                                                                                                                                                                                             96.464             97.163           98.617             99.893
                                                                                  968.524             886.855            968.411            886.635             LABA/ RUGI BERSIH TAHUN BERJALAN                                                                                                   317.150          309.797          319.456           310.800                                                                                                                                                                                                                       -                  -                -                  -
                                                                                 9.017.507           9.043.116          9.017.507          9.043.116            LABA/ RUGI KEPENTINGAN MINORITAS                                                                                                                                          23                  10
  3.   Uang elektronik                                                                   -                   -                  -                  -    PENGHASILAN KOMPREHENSIF LAIN                                                                                                                                                                                                                                                                                                                                                                                                -                  -                -                  -
  4.   Liabilitas kepada Bank Indonesia                                                  -                   -                  -                  -      1.    Pos-pos yang tidak akan direklasifikasi ke laba rugi                                                                                                                                                                                                                                                                                                                                                                 -                  -                -                  -
  5.   Liabilitas kepada bank lain                                                       -                   -                  -                  -                                                                                                                                                      -                -                -                   -    TOTAL MODAL                                                                                                                                                                                             9.663.441         9.923.684         8.952.361         9.254.286
  6.                                                                                     -                   -                  -                  -                                                                                                                                                      -                -                -                   -
  7.   Surat berharga diterbitkan                                                        -                   -                  -                  -                                                                                                                                                      -                -                -                   -
  8.   Liabilitas akseptasi                                                              -                   -                  -                  -      2.    Pos-pos yang akan direklasifikasi ke laba rugi                                                                                                                                                                                                                                                           Individual                Konsolidasi                  Individual            Konsolidasi       Individual        Konsolidasi       Individual        Konsolidasi
  9.   Pembiayaan diterima                                                               -                   -                  -                  -                                                                                                                                                      -                -                -                   -    ASET TERTIMBANG MENURUT RISIKO
 10.   Setoran jaminan                                                                   -                   -                  -                  -                                                                                                                                                  (162)              (90)           (162)                 (90)                                                                                                                7.317.194                   7.373.568                  7.593.654          7.694.267          57,23%             58,57%           51,51%             52,96%
 11.   Liabilitas antar kantor                                                           -                   -                  -                  -                                                                                                                                                                                                                                                                                                                                 12.568                      12.568                           -                 -          57,23%             58,57%           51,51%             52,96%
 12.   Liabilitas lainnya                                                         552.445             577.837            554.476            580.227                                                                                                                                                       -                -                -                   -                                                                                                                 9.387.365                   9.389.956                  9.593.236          9.590.539            0,58%             0,58%             0,57%             0,58%
 13.                                                                                     -                   -                  -                  -                                                                                                                                                  (162)              (90)           (162)                 (90)                                                                                                               16.717.127                 16.776.092                  17.186.890         17.284.806          57,81%             59,15%           52,09%             53,54%

 14.                                                                                                                        2.535              2.512    TOTAL LABA/ RUGI KOMPREHENSIF TAHUN BERJALAN                                                                                               316.988          309.707          319.294           310.710

       TOTAL LIABILITAS                                                         12.870.855          12.787.395         12.875.308         12.792.076
                                                                                                                                                                                                                                                                                                   317.150          309.797          319.433           310.790                                                                                                                        8,62%                       8,61%                      8,64%             8,63%             2,50%             2,50%             2,50%             2,50%
       EKUITAS                                                                                                                                                                                                                                                                                            -                -              23                  10                                                                                                                      0,00%                       0,00%                      0,00%             0,00%             0,00%             0,00%             0,00%             0,00%
                                                                                                                                                                                                                                                                                                   317.150          309.797          319.456           310.800                                                                                                                        0,58%                       0,58%                      0,57%             0,58%             0,00%             0,00%             0,00%             0,00%
 15.   Modal disetor
                                                                                 2.750.000           2.750.000          2.750.000          2.750.000                                                                                                                                               316.988          309.707          319.271           310.700
                                                                                (1.979.630)         (1.979.630)        (1.979.630)        (1.979.630)                                                                                                                                                     -                -              23                  10

                                                                                         -                   -                  -                  -                                                                                                                                               316.988          309.707          319.294           310.710

 16.   Tambahan modal disetor                                                                                                                           DIVIDEN                                                                                                                                           -                -                -                   -
                                                                                  842.785             842.785            842.785            842.785     LABA BERSIH PER SAHAM                                                                                                                           41               40               41                  40
                                                                                         -                   -                  -                  -

                                                                                         -                   -                  -                  -                                                                                                                                                                                                                     1.    Penempatan pada bank lain
                                                                                                                                                                                         M M                                                                W
                                                                                         -                   -                  -                  -                                                                                                                                                                                                                     2.
                                                                                   20.916              20.916             20.916             20.916                                                                                                                                                                                                                      3.    Surat berharga dimiliki

 17.   Penghasilan komprehensif lain                                                                                                                                                                                                                                                                                                                                     4.    Tagihan akseptasi

                                                                                   69.285              69.447             69.285             69.447                                                                                                                                                                                                                      5.

                                                                                         -                   -                  -                  -      I.    TAGIHAN KOMITMEN                                                                                                                                                                                         6.

 18.   Cadangan                                                                                                                                                                                                                                                                                           -                -                -                   -        7.    Piutang multijasa

                                                                                  165.000             165.000            165.000            165.000                                                                                                                                                       -                -                -                   -        8.

                                                                                         -                   -                  -                  -                                                                                                                                                      -                -                -                   -        9.    Piutang Sewa

 19.   Laba / rugi                                                                                                                                        II.   KEWAJIBAN KOMITMEN                                                                                                                                                                                      10.

                                                                                 8.130.221           7.451.030          8.090.482          7.459.325                                                                                                                                                                                                                    11.
                                                                                  317.150            1.249.265           319.433           1.201.231                                                                                                                                                      -                -                -                   -       12.    Pembiayaan lainnya
                                                                                         -            (570.074)                 -           (570.074)                                                                                                                                              170.000          170.000          170.000           170.000          13.    Penyertaan modal
                                                                                10.315.727           9.998.739         10.278.271          9.959.000                                                                                                                                                      -                -                -                   -       14.    Komitmen dan Kontinjensi
                                                                                10.315.727           9.998.739         10.278.271          9.959.000                                                                                                                                                      -                -                -                   -
TOTAL LIABILITAS DAN EKUITAS                                                    23.186.582          22.786.134         23.153.579         22.751.076                                                                                                                                                      -                -                -                   -



                                                                                                                                                                                                                                                                                                          -                -                -                   -



                                                                                                                                                                                                                                                                                                    37.367           37.911           37.367              37.911
                                                                                                                                                                                                                                                                                                          -                -                -                   -        A.    Terkait dengan Nilai Tukar
                                                                                                                                                                                                                                                                                                          -                -                -                   -        1.    Spot
                                                                                                                        1.271.136          1.314.918                                                                                                                                                      -                -                -                   -        2.    Forward
                                                                                                                         (113.666)          (120.895)                                                                                                                                                     -                -                -                   -        3.    Lainnya
                                                                                                                             692                981                                                                                                                                                       -                -                -                   -        B.    Lainnya
                                                                                                                            4.826            14.561      IV.    KEWAJIBAN KONTINJENSI                                                                                                                                                                                JUMLAH
                                                                                                                         (437.122)          (498.577)                                                                                                                                                     -                -                -                   -
                                                                                                                         (525.078)          (447.498)                                                                                                                                                     -                -                -                   -
                                                                                                                             (176)              (573)
                                                                                                                          (65.513)           (48.217)
                                                                                                                                                                                                                             W
                                                                                                                         135.099            214.700




                                                                                                                         (322.936)           (26.253)
                                                                                                                                -                  -
                                                                                                                          48.601             (52.685)                                                                                                                                                                                                                    2.
                                                                                                                                8                16       1.    Kewajiban Penyediaan Modal Minimum (KPMM)                                                                                                                             57,81%              52,09%
                                                                                                                          12.594             (21.888)     2.    Aset produktif bermasalah dan aset non produktif bermasalah terhadap total aset produktif dan aset non produktif                                                       1,25%               1,68%
                                                                                                                                                          3.    Aset produktif bermasalah terhadap total aset produktif                                                                                                                1,24%               1,68%         3.
                                                                                                                          11.202               9.404      4.    Cadangan Kerugian Penurunan Nilai (CKPN) aset keuangan terhadap aset produktif                                                                                         3,97%               4,36%
                                                                                                                          52.793             (34.296)     5.                                                                                                                                                                           2,55%               3,36%
                                                                                                                          27.610             30.509       6.                                                                                                                                                                           0,02%               0,03%         4.
                                                                                                                                                          7.                                                                                                                                                                           7,04%               7,36%
                                                                                                                          56.167             (46.918)     8.                                                                                                                                                                          13,43%              14,19%
                                                                                                                          21.138             72.589       9.                                                                                                                                                                          20,94%              23,08%
                                                                                                                                                         10.                                                                                                                                                                           7,34%               7,53%
                                                                                                                            1.644                70      11.    Beban Operasional terhadap Pendapatan Operasional (BOPO)                                                                                                              67,79%              69,74%
                                                                                                                          (33.362)            (3.690)    12.                                                                                                                                                                          52,48%              48,43%
Pembelian aset tak berwujud                                                                                               (10.766)           (10.664)    13.    Pembiayaan bagi hasil terhadap total pembiayaan                                                                                                                       10,49%               5,69%                      - 1 Bulan
Pembelian surat berharga                                                                                               (3.788.122)        (1.375.612)    14.                                                                                                                                                                          86,27%              88,04%                      - 3 Bulan

Penjualan surat berharga                                                                                                2.453.722          1.088.991                                                                                                                                                                                                                                  - 6 Bulan
Arus kas bersih digunakan untuk aktivitas investasi                                                                    (1.376.884)          (300.905)                                                                                                                                                                                                                                 - 12 Bulan
ARUS KAS DARI AKTIVITAS PENDANAAN                                                                                                                         1.    a. Persentase Pelanggaran BMPD                                                                                                                                                                           5.    Pembiayaan Diterima
Penerbitan surat berharga yang diterbitkan                                                                                      -                  -                                                                                                                                                                                                                           Jumlah
Pembayaran surat berharga yang diterbitkan                                                                                      -           (200.000)                                                                                                                                                                                  0,00%               0,00%
Pembayaran dividen                                                                                                              -                  -                 ii. Pihak Tidak Terkait                                                                                                                                           0,00%               0,00%
Pembayaran pajak dividen                                                                                                        -                  -
Arus kas bersih digunakan untuk aktivitas pendanaan                                                                             -           (200.000)
KENAIKAN (PENURUNAN) BERSIH KAS DAN SETARA KAS                                                                         (1.355.746)          (428.316)                                                                                                                                                                                                                    1.    Penempatan pada Bank Lain
KAS DAN SETARA KAS AWAL TAHUN                                                                                           3.676.190          3.644.385                                                                                                                                                                                   0,00%               0,00%         2.
KAS DAN SETARA KAS AKHIR PERIODE                                                                                        2.320.444          3.216.069                                                                                                                                                                                   0,00%               0,00%
Kas dan setara kas terdiri dari:
       Kas                                                                                                               373.561            458.030                                                                                                                                                                                                                      3.
       Giro pada Bank Indonesia                                                                                          749.084            563.121
       Giro pada bank-bank lain                                                                                             3.624              8.918
       Penempatan pada Bank Indonesia                                                                                    440.520            900.000                                                                                                                                                                                    0,00%               0,00%         4.    Piutang Multijasa
       Penempatan pada bank-bank lain                                                                                    258.900            251.000                                                                                                                                                                                    6,74%               5,12%
                                                                                                                         494.755           1.035.000
INFORMASI TAMBAHAN UNTUK AKTIVITAS PENDANAAN YANG TIDAK MEMPENGARUHI KAS                                                                                                                                                                                                                                                               0,00%               0,00%         5.    Pembiayaan Gadai
                                                                                                                         (355.911)          (265.778)
Jumlah aktivitas pendanaan yang tidak mempengaruhi kas                                                                   (355.911)          (265.778)
                                                                                                                                                                                                                                                                                                                                                                         6.




                                                                                                                                                                                                                                                                                                                                                                         7.


                                                                           L                  DPK                 KL                 D                                                                                                                                             DPK       KL                D                M                JUMLAH
  I.   PIHAK TERKAIT                                                                                                                                                                                                                                                                                                                                                     8.    Pembiayaan Sewa
  1.   Penempatan pada bank lain
                                                                                    1.638                    -                  -                  -                                                                                                                                     -                -                -                -              6.895
                                                                                         -                   -                  -                  -                                                                                                                                     -                -                -                -                   -        9.    Pembiayaan Lainnya
  2.
                                                                                         -                   -                  -                  -                                                                                                                                     -                -                -                -                   -
                                                                                         -                   -                  -                  -                                                                                                                                     -                -                -                -                   -              Jumlah
  3.   Surat berharga dimiliki
                                                                                         -                   -                  -                  -                                                                                                                                     -                -                -                -                   -
                                                                                         -                   -                  -                  -                                                                                                                                     -                -                -                -                   -
  4.   Tagihan akseptasi                                                                 -                   -                  -                  -                                                                                                                                     -                -                -                -                   -
  5.   Pembiayaan berbasis piutang dan sewa
                                                                                                                                                                                                                                                                                                                                                                         1.    Liabilitas Kepada Bank Lain
                                                                                         -                   -                  -                  -                                                                                                                                     -                -                -                -                   -        2.
                                                                                         -                   -                  -                  -                                                                                                                                     -                -                -                -                   -


                                                                                         -                   -                  -                  -                                                                                                                                     -                -                -                -                   -        3.
                                                                                         -                   -                  -                  -                                                                                                                                     -                -                -                -                   -


                                                                                         -                   -                  -                  -                                                                                                                                     -                -                -                -                   -        4.
                                                                                         -                   -                  -                  -                                                                                                                                     -                -                -                -                   -
  6.   Pembiayaan bagi hasil


                                                                                         -                   -                  -                  -                                                                                                                                     -                -                -                -                   -
                                                                                         -                   -                  -                  -                                                                                                                                     -                -                -                -                   -


                                                                                         -                   -                  -                  -                                                                                                                                     -                -                -                -                   -
                                                                                         -                   -                  -                  -                                                                                                                                     -                -                -                -                   -


                                                                                         -                   -                  -                  -
                                                                                         -                   -                  -                  -                                                                                                                                     -                -                -                -                   -        5.    Pembiayaan Diterima
  7.   Penyertaan modal                                                           297.000                    -                  -                  -                                                                                                                                     -                -                -                -          297.000                 Jumlah
  8.   Komitmen dan kontinjensi
                                                                                         -                   -                  -                  -                                                                                                                                     -                -                -                -                   -
                                                                                         -                   -                  -                  -                                                                                                                                     -                -                -                -                   -
Page 3
                                                                                                                                             STATEMENTAPORANOF      FINANCIAL
                                                                                                                                                             KEUANGAN
                                                                                                                                            PT BANKPTBTPN       SYARIAH
                                                                                                                                                     BANK BTPN SYAR
                                                                                                                                                         31 u 2025
                                                                                                                                                                    AH TBK Tbk
                                                                                                                                                  31 March 2026
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              INDIVIDUAL        CONSOLIDATION      INDIVIDUAL        CONSOLIDATION
                                                                                                                                                                                                                                                                                                                                                                                                     I     Core Capital (Tier 1)
                                                                                                                                                                        OPERATING INCOME AND EXPENSES
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    770.370             770.370          770.370             770.370
  1.   Cash                                                                              373.561                628.080               373.561             628.080        1.                                                                                                                                        1.244.592           1.294.054              1.247.088            1.296.888
  2.   Placements with Bank Indonesia                                                1.189.604                 1.478.241             1.189.604          1.478.241
  3.   Placements with other Banks                                                          2.375                  6.156              262.524             264.048                                                                                                                                                  1.073.978           1.136.776              1.073.978            1.136.776
  4.   Spot and forward receivables                                                             -                      -                     -                     -                                                                                                                                                        -                     -                   -                    -                                                                                                                                                                                                                                               -                   -                -                   -
  5.   Investments in marketable securities                                         10.411.836                 9.888.599            10.415.886          9.892.649                                                                                                                                                           -                     -                   -                    -                                                                                                                                                                                                                                            143                 143              245                 245
  6.   Securities purchased under resale agreements (reverse repo)                              -                      -                     -                     -                                                                                                                                                        -                     -                   -                    -                                                                                                                                                                                                                                         13.053              13.053           13.053              13.053
  7.   Acceptance receivables                                                                   -                      -                     -                     -                                                                                                                                                        -                     -                   -                    -
  8.   Receivables                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  880.995             880.995          880.995             880.995
                                                                                     9.512.309                 9.189.373             9.512.309          9.189.373                                                                                                                                                      2.400                      -              2.400                     -                                                                                                                                                                                                                                        165.000             165.000          145.000             145.000
                                                                                                -                      -                     -                     -                                                                                                                                                 12.646                  7.994              12.646                7.994                                                                                                                                                                                                                                        8.092.011           8.052.272        7.432.819           7.441.114

                                                                                                -                      -                     -                     -                                                                                                                                                        -                     -                   -                    -                                                                                                                                                                                                                                        317.150             319.433          309.797             310.790

                                                                                              89                     97                    89                    97                                                                                                                                                         -                     -                   -                    -                                                                                                                                                                                                                                               -                   -                -                   -
                                                                                                -                      -                     -                     -                                                                                                                                                155.568             149.284                158.064              152.118                                                                                                                                                                                                                                                -                   -                -                   -
  9.   Profit sharing financing                                                                                                                                          2.    Profit Sharing for Investors -/-                                                                                                     (113.052)           (122.564)             (113.050)            (122.562)                                                                                                                                                                                                                                               -                   -                -                   -
                                                                                         200.000                200.000               200.000             200.000                                                                                                                                                   (113.052)           (122.564)             (113.050)            (122.562)                                                                                                                                                                                                                                               -                   -                -                   -
                                                                                         914.684                963.285               914.684             963.285                                                                                                                                                           -                     -                   -                    -
                                                                                                -                      -                     -                     -     3.                                                                                                                                        1.131.540           1.171.490              1.134.038            1.174.326
 10.                                                                                            -                      -                     -                     -                                                                                                                                                                                                                                                                       1.2.2.1.1 Negative adjustment due to financial statement translation                                                                                                                            -                   -                -                   -
 11.   Investment in share                                                               297.000                297.000                      -                     -     1.    Gain/Loss from increase/decrease in fair value of financial assets                                                                         111                     -                111                     -                                               1.2.2.1.2 Potential losses due to impairment of fair value of financial assets classified as fair value through other comprehensive income                                                      -                   -                -                   -
 12.   Other financial assets                                                            194.700                218.557               194.700             218.557        2.    Gain/Loss from decrease/increase in fair value of financial liabilities                                                                      -                     -                   -                    -
 13.   Allowance for impairment on financial assets -/-                                  (865.159)              (881.472)             (865.361)          (881.472)       3.    Gain/Loss on sale of financial assets                                                                                                      31                      -                 31                     -                                                                                                                                                                                                                                               -                   -                -                   -
 14.   Salam                                                                                    -                      -                     -                     -     4.    Gain/Loss on spot and forward transactions (realised)                                                                                        -                     -                   -                    -                                                                                                                                                                                                                                               -                   -                -                   -
 15.   Istishna' assets in progress                                                             -                      -                     -                     -     5.    Gain/Loss on investment under equity method                                                                                                  -                     -                   -                    -                                                                                                                                                                                                                                               -                   -                -                   -

       Istishna' term -/-                                                                       -                      -                     -                     -     6.    Gain/Loss on foreign exchange translation                                                                                                    -                     -                 10                1.538                                                                                                                                                                                                                                                -                   -                -                   -
 16.   Inventory                                                                                -                      -                     -                     -     7.                                                                                                                                                 -                     -                   -                    -                                                                                                                                                                                                                                               -                   -                -                   -
 17.   Intangible assets                                                                 178.822                184.444               178.822             184.444        8.    Dividend Income                                                                                                                              -                     -                   -                    -                                                                                                                                                                                                                                               -                   -                -                   -
 18.   Fixed assets and equipments                                                       334.410                334.367               334.410             334.367        9.    Commission/provision/fees and administration income                                                                                        380                  422                 380                  422
 19.   Non earning assets                                                                                                                                                10.   Other income                                                                                                                            5.539                12.838               5.539               12.838
                                                                                                -                      -                     -                     -     11.                                                                                                                                              (85)                  (11)                (85)                 (11)                                                                                                                                                                                                                                       (195.923)          (195.923)         (193.144)          (198.783)
                                                                                                -                      -                     -                     -     12.   Impairment for financial asset -/-                                                                                                   (137.636)           (215.360)             (137.838)            (218.075)                                                                                                                                                                                                                                               -                   -                -                   -
                                                                                                -                      -                     -                     -     13.   Losses related to operational risks -/-                                                                                                (1.332)                (1.241)             (1.332)              (1.241)                                                                                                                                                                                                                                       (178.822)          (178.822)         (208.391)          (208.391)
                                                                                                -                      -                     -                     -     14.   Impairment for non financial assets -/-                                                                                                      -                     -                   -                    -                                                                                                                                                                                                                                        (297.000)                  -         (297.000)                  -
 20.   Other assets                                                                      442.351                279.407               442.351             279.407        15.   Salaries and employee benefits -/-                                                                                                   (395.333)           (372.584)             (395.333)            (373.054)                                                                                                                                                                                                                                               -                   -                -                   -
                                                                                                                                                                         16.   Promotion Expenses -/-                                                                                                                 (4.032)                (2.008)             (4.032)              (2.008)                                                                                                                                                                                                                                              -                   -                -                   -
                                                                                                                                                                         17.   Other Expenses -/-                                                                                                                   (196.175)           (197.947)             (196.175)            (198.389)
TOTAL ASSETS                                                                        23.186.582                22.786.134            23.153.579         22.751.076                                                                                                                                                   (728.532)           (775.891)             (728.724)            (777.980)                                                                                                                                                                                                                                               -                   -                -                   -
                                                                                                                                                                                                                                                                                                                    403.008             395.599                405.314              396.346                2 Additional Tier 1 (AT 1)
                                                                                                                                                                        NON-OPERATING INCOME/ EXPENSES                                                                                                                                                                                                                                                                                                                                                                                                                                     -                   -                -                   -
LIABILITIES AND EQUITIES                                                                                                                                                 1.    Gain/Loss from sale of fixed assets and equipment                                                                                       1.645                    15               1.645                   15                                                                                                                                                                                                                                                -                   -                -                   -
       LIABILITIES                                                                                                                                                       2.    Other non-operating income/expenses                                                                                                      (186)                 (584)               (186)                (587)
  1.                                                                                                                                                                                                                                                                                                                   1.459                  (569)              1.459                 (572)                                                                                                                                                                                                                                               -                   -                -                   -
                                                                                          45.026                 42.562                45.026                42.562     CURRENT YEAR PROFIT/LOSS BEFORE TAX                                                                                                         404.467             395.030                406.773              395.774         II     Supplemental Capital (Tier 2)
                                                                                     2.287.353                 2.237.025             2.287.353          2.237.024                                                                                                                                                                                                                                                                                                                                                                                                                                                                          -                   -                -                   -
  2.                                                                                                                                                                                                                                                                                                                 (67.632)               (57.022)            (67.632)             (57.022)                                                                                                                                                                                                                                              -                   -                -                   -
                                                                                                -                      -                     -                     -                                                                                                                                                 (19.685)               (28.211)            (19.685)             (27.952)                                                                                                                                                                                                                                        96.464              97.163           98.617              99.893
                                                                                         968.524                886.855               968.411             886.635              CURRENT YEAR NET PROFIT/LOSS                                                                                                         317.150             309.797                319.456              310.800                                                                                                                                                                                                                                                -                   -                -                   -
                                                                                     9.017.507                 9.043.116             9.017.507          9.043.116              MINORITY INTEREST PROFIT/LOSS                                                                                                                                                        23                   10
  3.   Electronic Money                                                                         -                      -                     -                     -    OTHER COMPREHENSIVE INCOME                                                                                                                                                                                                                                                                                                                                                                                                                                         -                   -                -                   -
  4.   Liabilities to Bank Indonesia                                                            -                      -                     -                     -     1.    Items that will not be reclassified to profit or loss                                                                                                                                                                                                                                                                                                                                                                                                       -                   -                -                   -
  5.   Liabilities to Other Banks                                                               -                      -                     -                     -                                                                                                                                                        -                     -                   -                    -    TOTAL CAPITAL                                                                                                                                                                                                                      9.663.441           9.923.684        8.952.361           9.254.286
  6.   Spot and forward payables                                                                -                      -                     -                     -                                                                                                                                                        -                     -                   -                    -
  7.   Marketable securities issued                                                             -                      -                     -                     -                                                                                                                                                        -                     -                   -                    -
  8.   Acceptance liabilities                                                                   -                      -                     -                     -     2.    Items that will be reclassified to profit or loss                                                                                                                                                                                                                                                                        INDIVIDUAL              CONSOLIDATION                   INDIVIDUAL              CONSOLIDATION                         INDIVIDUAL        CONSOLIDATION      INDIVIDUAL        CONSOLIDATION
  9.   Fund Borrowings                                                                          -                      -                     -                     -                                                                                                                                                        -                     -                   -                    -
 10.   Guarantee deposit                                                                        -                      -                     -                     -                                                                                                                                                    (162)                   (90)              (162)                  (90)                                                                                                                      7.317.194                 7.373.568                   7.593.654             7.694.267    CET 1 Ratio (%)          57,23%              58,57%           51,51%              52,96%
 11.   Inter-office liabilities                                                                 -                      -                     -                     -                                                                                                                                                        -                     -                   -                    -                                                                                                                         12.568                     12.568                            -                     -                            57,23%              58,57%           51,51%              52,96%
 12.   Other liabilities                                                                 552.445                577.837               554.476             580.227                                                                                                                                                                                                                                                                                                                                                  9.387.365                 9.389.956                   9.593.236             9.590.539                               0,58%              0,58%             0,57%              0,58%
 13.   Profit sharing investment funds                                                          -                      -                     -                     -                                                                                                                                                    (162)                   (90)              (162)                  (90)                                                                                                                     16.717.127                16.776.092                  17.186.890            17.284.806                             57,81%              59,15%           52,09%              53,54%
 14.   Minority interest                                                                                                                 2.535                2.512     TOTAL OTHER COMPREHENSIVE INCOME FOR THE YEAR                                                                                               316.988             309.707                319.294              310.710

       TOTAL LIABILITIES                                                            12.870.855                12.787.395            12.875.308         12.792.076
                                                                                                                                                                                                                                                                                                                    317.150             309.797                319.433              310.790                                                                                                                           8,62%                      8,61%                       8,64%                8,63%                                2,50%              2,50%             2,50%              2,50%
       EQUITIES                                                                                                                                                                                                                                                                                                             -                     -                 23                   10                                                                                                                           0,00%                      0,00%                       0,00%                0,00%                                0,00%              0,00%             0,00%              0,00%
                                                                                                                                                                                                                                                                                                                    317.150             309.797                319.456              310.800                                                                                                                           0,58%                      0,58%                       0,57%                0,58%                                0,00%              0,00%             0,00%              0,00%
 15.   Share capital
                                                                                     2.750.000                 2.750.000             2.750.000          2.750.000                                                                                                                                                   316.988             309.707                319.271              310.700
                                                                                    (1.979.630)               (1.979.630)           (1.979.630)         (1.979.630)                                                                                                                                                         -                     -                 23                   10
                                                                                                -                      -                     -                     -                                                                                                                                                316.988             309.707                319.294              310.710
 16.   Additional paid-in capital                                                                                                                                       DIVIDEND                                                                                                                                            -                     -                   -                    -
                                                                                         842.785                842.785               842.785             842.785       EARNINGS PER SHARE (in Rupiah)                                                                                                                    41                    40                  41                   40
                                                                                                -                      -                     -                     -

                                                                                                -                      -                     -                     -                                                                                                                                                                                                                                1.     Placements with other banks

                                                                                                -                      -                     -                     -                                                                                                                                                                                                                                2.     Spot and forward receivables
                                                                                          20.916                 20.916                20.916                20.916                                                                                                                                                                                                                                 3.     Securities
 17.   Other comprehensive income                                                                                                                                                                                                                                                                                                                                                                   4.     Acceptance receivables
                                                                                          69.285                 69.447                69.285                69.447                                                                                                                                                                                                                                 5.
                                                                                                -                      -                     -                     -      I.   COMMITMENT RECEIVABLES                                                                                                                                                                                               6.
 18.   Reserve                                                                                                                                                                                                                                                                                                              -                     -                   -                    -        7.
                                                                                         165.000                165.000               165.000             165.000                                                                                                                                                           -                     -                   -                    -        8.
                                                                                                -                      -                     -                     -                                                                                                                                                        -                     -                   -                    -        9.
 19.   Profit / Loss                                                                                                                                                     II.   COMMITMENT PAYABLES                                                                                                                                                                                                  10.
                                                                                     8.130.221                 7.451.030             8.090.482          7.459.325                                                                                                                                                                                                                                   11.
                                                                                         317.150               1.249.265              319.433           1.201.231                                                                                                                                                           -                     -                   -                    -        12.    Other financing
                                                                                                -               (570.074)                    -           (570.074)                                                                                                                                                  170.000             170.000                170.000              170.000         13.    Investments in shares
                                                                                    10.315.727                 9.998.739            10.278.271          9.959.000                                                                                                                                                           -                     -                   -                    -        14.    Commitments and contingencies
                                                                                    10.315.727                 9.998.739            10.278.271          9.959.000                                                                                                                                                           -                     -                   -                    -
TOTAL LIABILITIES AND EQUITIES                                                      23.186.582                22.786.134            23.153.579         22.751.076                                                                                                                                                           -                     -                   -                    -



                                                                                                                                                                                                                                                                                                                            -                     -                   -                    -
                                                                       W
                                                                                                                                                                                                                                                                                                                     37.367                 37.911              37.367               37.911
                                                                                                                                                                                                                                                                                                                            -                     -                   -                    -        A.     Exchange Rate Related
                                                                                                                                                                                                                                                                                                                            -                     -                   -                    -        1.     Spot
                                                                                                                                     1.271.136          1.314.918                                                                                                                                                           -                     -                   -                    -        2.     Forward
                                                                                                                                      (113.666)          (120.895)                                                                                                                                                          -                     -                   -                    -        3.     Others
Receipts of administrative income                                                                                                          692                  981            3.                                                                                                                                           -                     -                   -                    -        B.     Others
                                                                                                                                         4.826               14.561      IV.   CONTINGENT LIABILITIES                                                                                                                                                                                           TOTAL
                                                                                                                                      (437.122)          (498.577)                                                                                                                                                          -                     -                   -                    -
                                                                                                                                      (525.078)          (447.498)                                                                                                                                                          -                     -                   -                    -
                                                                                                                                          (176)                (573)

                                                                                                                                       (65.513)              (48.217)
                                                                                                                                                                                        M
                                                                                                                                      135.099             214.700




                                                                                                                                      (322.936)              (26.253)
                                                                                                                                             -                     -                                                                                                                                                                                                                                1.     Liabilities to other banks
                                                                                                                                       48.601                (52.685)                                                                                                                                                                                                                               2.
                                                                                                                                             8                   16      1.    Capital Adequacy Ratio (CAR)                                                                                                                                                     57,81%               52,09%
                                                                                                                                       12.594                (21.888)    2.    Non performing earning assets and non earning assets to total earning assets and non earning assets                                                                               1,25%                1,68%
                                                                                                                                                                         3.    Non performing earning assets to total earning assets                                                                                                                             1,24%                1,68%         3.
                                                                                                                                       11.202                 9.404      4.    Allowance for impairment on financial assets to earning assets                                                                                                                    3,97%                4,36%
                                                                                                                                       52.793                (34.296)    5.                                                                                                                                                                                      2,55%                3,36%
                                                                                                                                       27.610                30.509      6.                                                                                                                                                                                      0,02%                0,03%         4.
                                                                                                                                                                         7.                                                                                                                                                                                      7,04%                7,36%
                                                                                                                                       56.167                (46.918)    8.                                                                                                                                                                                     13,43%               14,19%
                                                                                                                                       21.138                72.589      9.                                                                                                                                                                                     20,94%               23,08%
                                                                                                                                                                         10.                                                                                                                                                                                     7,34%                7,53%
                                                                                                                                         1.644                   70      11.   Operating Expenses to Operating Income (BOPO)                                                                                                                                    67,79%               69,74%
                                                                                                                                       (33.362)               (3.690)    12.                                                                                                                                                                                    52,48%               48,43%
Purchase of intangible assets                                                                                                          (10.766)              (10.664)    13.   Profit sharing financing to total financing                                                                                                                                      10,49%                5,69%                       - 1 Month
Purchase of marketable securities                                                                                                   (3.788.122)         (1.375.612)      14.                                                                                                                                                                                    86,27%               88,04%                       - 3 Month
Sale of marketable securities                                                                                                        2.453.722          1.088.991                                                                                                                                                                                                                                                 - 6 Month
Net cash flows used in investing activities                                                                                         (1.376.884)          (300.905)                                                                                                                                                                                                                                                - 12 Month
CASH FLOWS FROM FINANCING ACTIVITIES                                                                                                                                     1.    a. Percentage violation of Legal Lending Limit (LLL)                                                                                                                                                                 5.     Marketable securities issued
Issuance of securities issued                                                                                                                -                     -
Payments of securities issued                                                                                                                -           (200.000)                                                                                                                                                                                               0,00%                0,00%
Payments of dividend                                                                                                                         -                     -                ii. Non related parties                                                                                                                                                      0,00%                0,00%
Payments of tax on dividend                                                                                                                  -                     -
Net cash flows used in financing activities                                                                                                  -           (200.000)
NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTSCASH EQUIVALENTS                                                                (1.355.746)          (428.316)                                                                                                                                                                                                                                  1.     Placements with other banks
CASH AND CASH EQUIVALENTS AT BEGINNING OF THE YEAR                                                                                   3.676.190          3.644.385                                                                                                                                                                                                0,00%                0,00%         2.
CASH AND CASH EQUIVALENTS AT END OF THE PERIOD                                                                                       2.320.444          3.216.069                                                                                                                                                                                                0,00%                0,00%
Cash and cash equivalents consist of:
       Cash                                                                                                                           373.561             458.030                                                                                                                                                                                                                                   3.
       Current accounts with Bank Indonesia                                                                                           749.084             563.121
       Current accounts with other banks                                                                                                 3.624                8.918
       Placements with Bank Indonesia                                                                                                 440.520             900.000                                                                                                                                                                                                0,00%                0,00%         4.
       Placements with other banks                                                                                                    258.900             251.000                                                                                                                                                                                                6,74%                5,12%
                                                                                                                                      494.755           1.035.000
ADDITIONAL INFORMATION FOR FINANCING ACTIVITIES WHICH WAS NOT AFFECTING CASH                                                                                                                                                                                                                                                                                     0,00%                0,00%         5.
                                                                                                                                      (355.911)          (265.778)
Total financing activities that do not affect cash                                                                                    (355.911)          (265.778)
                                                                                                                                                                                                                                                                                                                                                                                                    6.




                                                                                                                                                                                                                                                                                                                                                                                                    7.


                                                                               Current               Special Mention        Sub Standard          Doubtful                                                                                                                           Special Mention       Sub Standard          Doubtful              Loss                Total
  I.   RELATED PARTIES                                                                                                                                                                                                                                                                                                                                                                              8.
  1.   Placements with other banks
                                                                                            1.638                      -                     -                     -                                                                                                                                   -                    -                     -                   -               6.895
                                                                                                -                      -                     -                     -                                                                                                                                   -                    -                     -                   -                    -        9.     Other financing
  2.   Spot and forward receivables
                                                                                                -                      -                     -                     -                                                                                                                                   -                    -                     -                   -                    -
                                                                                                -                      -                     -                     -                                                                                                                                   -                    -                     -                   -                    -
  3.   Securities
                                                                                                -                      -                     -                     -                                                                                                                                   -                    -                     -                   -                    -
                                                                                                -                      -                     -                     -                                                                                                                                   -                    -                     -                   -                    -
  4.   Acceptance receivables                                                                   -                      -                     -                     -                                                                                                                                   -                    -                     -                   -                    -
  5.
                                                                                                                                                                                                                                                                                                                                                                                                    1.     Liabilities to other banks
                                                                                                -                      -                     -                     -                                                                                                                                   -                    -                     -                   -                    -        2.
                                                                                                -                      -                     -                     -                                                                                                                                   -                    -                     -                   -                    -


                                                                                                -                      -                     -                     -                                                                                                                                   -                    -                     -                   -                    -        3.
                                                                                                -                      -                     -                     -                                                                                                                                   -                    -                     -                   -                    -


                                                                                                -                      -                     -                     -                                                                                                                                   -                    -                     -                   -                    -        4.
                                                                                                -                      -                     -                     -                                                                                                                                   -                    -                     -                   -                    -
  6.   Profit sharing financing


                                                                                                -                      -                     -                     -                                                                                                                                   -                    -                     -                   -                    -
                                                                                                -                      -                     -                     -                                                                                                                                   -                    -                     -                   -                    -


                                                                                                -                      -                     -                     -                                                                                                                                   -                    -                     -                   -                    -
                                                                                                -                      -                     -                     -                                                                                                                                   -                    -                     -                   -                    -


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Source IDX
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Published27 Apr 2026
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Names mentioned 4 people and organisations named in the text · linked when the evidence is strong

linked org BANK BTPN SYARIAH TBK p.1 ×2
unresolved org PT BANKPTBTPN p.2 ×2
unresolved org AH TBK p.2 ×2
unresolved org Bank Indonesia p.2 ×8

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