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Nomor Surat 031/DIR/EXT-OJK/II/2024
Nama Emiten PT Bank Panin Dubai Syariah Tbk.
Kode Emiten PNBS
Perihal Penyampaian Laporan Keuangan Tahunan
Perseroan dengan ini menyampaikan laporan keuangan untuk Tahun Bulan yang berakhir pada 31/12/2023 dengan ikhtisar sebagai berikut :
Informasi mengenai anak perusahaan Perseroan sebagai berikut :
Dokumen ini merupakan dokumen resmi PT Bank Panin Dubai Syariah Tbk. yang tidak memerlukan tanda tangan karena dihasilkan secara
elektronik. PT Bank Panin Dubai Syariah Tbk. bertanggung jawab penuh atas informasi tertera di dalam dokumen ini.
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[1000000] General information
Informasi umum General information
2023-12-31
Informasi umum General information
Nama entitas PT Bank Panin Dubai Syariah Tbk. Entity name
Penjelasan perubahan nama dari akhir periode laporan sebelumnya Explanation of change in name from the end of the preceding reporting period
Kode entitas PNBS Entity code
Nomor identifikasi entitas AA671 Entity identification number
Industri utama entitas Keuangan dan Syariah / Financial and Sharia Entity main industry
Standar akutansi yang dipilih PSAK Selected accounting standards
Sektor G. Financials Sector
Subsektor G1. Banks Subsector
Industri G11. Banks Industry
Subindustri G111. Banks Subindustry
Informasi pemegang saham pengendali National and Foreign Corporation Controlling shareholder information
Jenis entitas Local Company - Indonesia Jurisdiction Type of entity
Jenis efek yang dicatatkan Saham / Stock Type of listed securities
Jenis papan perdagangan tempat entitas tercatat Utama / Main Type of board on which the entity is listed
Apakah merupakan laporan keuangan satu entitas atau suatu kelompok entitas Entitas tunggal / Single entity Whether the financial statements are of an individual entity or a group of entities
Periode penyampaian laporan keuangan Tahunan / Annual Period of financial statements submissions
Tanggal Surat Pernyataan Direksi February 23, 2024 Date Of Board Of Directors' Statement Letter
Tanggal awal periode berjalan January 01, 2023 Current period start date
Tanggal akhir periode berjalan December 31, 2023 Current period end date
Tanggal akhir tahun sebelumnya December 31, 2022 Prior year end date
Tanggal awal periode sebelumnya January 01, 2022 Prior period start date
Tanggal akhir periode sebelumnya December 31, 2022 Prior period end date
Tanggal akhir 2 tahun sebelumnya December 31, 2021 Prior 2 year end date
Mata uang pelaporan Rupiah / IDR Description of presentation currency
Kurs konversi pada tanggal pelaporan jika mata uang penyajian selain rupiah 15,397.00000 Conversion rate at reporting date if presentation currency is other than rupiah
Pembulatan yang digunakan dalam penyajian jumlah dalam laporan keuangan Ribuan / In Thousand Level of rounding used in financial statements
Jenis laporan atas laporan keuangan Diaudit / Audited Type of report on financial statements
Jenis opini auditor Wajar Tanpa Modifikasian / Unqualified Type of auditor's opinion
Hal yang diungkapkan dalam paragraf pendapat untuk penekanan atas suatu masalah atau paragraf penjelasan lainnya, jika ada Matters disclosed in emphasis-of-matter or other-matter paragraph, if any
Hasil penugasan review Result of review engagement
Opini Hal Audit Utama Ya / Yes Any Key Audit Matters Opinion
Jumlah Hal Audit Utama 5 Total Key Audit Matters
Paragraf Hal Audit Utama 10 Key Audit Matters Paragraph
Tanggal laporan audit atau hasil laporan review 2024-02-23 Date of auditor's opinion or result of review report
Auditor tahun berjalan Muhammad Irfan Current year auditor
Nama partner audit tahun berjalan Imelda & Rekan Name of current year audit signing partner
Lama tahun penugasan partner yang menandatangani Number of years served as audit signing partner
Auditor tahun sebelumnya Muhammad Irfan Prior year auditor
Nama partner audit tahun sebelumnya Imelda & Rekan Name of prior year audit signing partner
Kepatuhan terhadap pemenuhan peraturan OJK Nomor: 75/POJK.04/2017 tentang Tanggung Jawab Direksi Atas Laporan Keuangan Ya / Yes Whether in compliance with OJK rules No. 75/POJK.04/2017 concerning responsibilities of board of directors on financial statements
Kepatuhan terhadap pemenuhan independensi akuntan yang memberikan jasa audit di pasar modal sesuai dengan POJK Nomor 13/POJK.03/2017 tentang Penggunaan Jasa Akuntan Publik dalam Ya / Yes Compliance to the independency of Accountant that provide services in Capital Market as regulated in OJK rules No. 13/POJK.03/2017 concerning The Use of Public Accountant and Auditing Firm in
Kegiatan Jasa Keuangan Financial Services Activities.
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[4220000] Statement of financial position presented using order of liquidity - Financial and Sharia Industry
Laporan posisi keuangan Statement of financial position
2023-12-31 2022-12-31
Laporan posisi keuangan Statement of financial position
Aset Assets
Kas 18,014,089 19,560,655 Cash
Dana yang dibatasi penggunaannya Restricted funds
Giro pada Bank Indonesia 237,372,128 330,621,728 Current accounts with Bank Indonesia
Giro pada bank lain Current accounts with other banks
Giro pada bank lain pihak ketiga 2,379,680 3,358,177 Current accounts with other banks third parties
Giro pada bank lain pihak berelasi 3,930,709 5,866,746 Current accounts with other banks related parties
Cadangan kerugian penurunan nilai pada giro pada bank lain Allowance for impairment losses for current accounts with other bank
Penempatan pada Bank Indonesia dan bank lain Placements with Bank Indonesia and other banks
Penempatan pada Bank Indonesia dan bank lain pihak ketiga 1,876,000,000 860,000,000 Placements with Bank Indonesia and other banks third parties
Penempatan pada Bank Indonesia dan bank lain pihak berelasi Placements with Bank Indonesia and other banks related parties
Cadangan kerugian penurunan nilai pada penempatan pada bank lain Allowance for impairment losses for placements with other banks
Piutang asuransi Insurance receivables
Piutang asuransi pihak ketiga Insurance receivables third parties
Piutang asuransi pihak berelasi Insurance receivables related parties
Cadangan kerugian penurunan nilai pada piutang asuransi Allowance for impairment losses for insurance receivables
Biaya akuisisi tangguhan Deferred acquisition costs
Deposito pada lembaga kliring dan penjaminan Deposits to clearing and settlement guarantee institution
Efek-efek yang diperdagangkan Marketable securities
Efek-efek yang diperdagangkan pihak ketiga 2,317,002,439 2,502,170,452 Marketable securities third parties
Efek-efek yang diperdagangkan pihak berelasi Marketable securities related parties
Cadangan kerugian penurunan nilai pada efek-efek yang diperdagangkan Allowance for impairment losses for marketable securities
Investasi pemegang polis pada kontrak unit-linked Investments of policyholder in unit-linked contracts
Efek yang dibeli dengan janji dijual kembali Securities purchased under agreement to resale
Wesel ekspor dan tagihan lainnya Bills and other receivables
Wesel ekspor dan tagihan lainnya pihak ketiga Bills and other receivables third parties
Wesel ekspor dan tagihan lainnya pihak berelasi Bills and other receivables related parties
Cadangan kerugian penurunan nilai pada wesel ekspor dan tagihan lainnya Allowance for impairment losses for bills and other receivables
Tagihan akseptasi Acceptance receivables
Tagihan akseptasi pihak ketiga Acceptance receivables third parties
Tagihan akseptasi pihak berelasi Acceptance receivables related parties
Cadangan kerugian penurunan nilai pada tagihan akseptasi Allowance for impairment losses for acceptance receivables
Tagihan derivatif Derivative receivables
Tagihan derivatif pihak ketiga Derivative receivables third parties
Tagihan derivatif pihak berelasi Derivative receivables related parties
Pinjaman yang diberikan Loans
Pinjaman yang diberikan pihak ketiga Loans third parties
Pinjaman yang diberikan pihak berelasi Loans related parties
Cadangan kerugian penurunan nilai pada pinjaman yang diberikan Allowance for impairment losses for loans
Piutang dari lembaga kliring dan penjaminan Receivables from clearing and settlement guarantee institution
Piutang nasabah Receivables from customers
Piutang nasabah pihak ketiga Receivables from customers third parties
Piutang nasabah pihak berelasi Receivables from customers related parties
Cadangan kerugian penurunan nilai pada piutang nasabah Allowance for impairment losses for receivables from customers
Piutang murabahah Murabahah receivables
Piutang murabahah pihak ketiga 107,751,124 110,457,508 Murabahah receivables third parties
Piutang murabahah pihak berelasi 3,832,406 5,156,377 Murabahah receivables related parties
Cadangan kerugian penurunan nilai pada piutang murabahah ( 745,469 ) ( 1,022,657 ) Allowance for impairment losses for murabahah receivables
Piutang istishna Istishna receivables
Piutang istishna pihak ketiga Istishna receivables third parties
Piutang istishna pihak berelasi Istishna receivables related parties
Cadangan kerugian penurunan nilai pada piutang istishna Allowance for impairment losses for istishna receivables
Piutang ijarah Ijarah receivables
Piutang ijarah pihak ketiga 6,869,002 5,183,236 Ijarah receivables third parties
Piutang ijarah pihak berelasi Ijarah receivables related parties
Cadangan kerugian penurunan nilai pada piutang ijarah ( 6,869,002 ) ( 5,183,236 ) Allowance for impairment losses for ijarah receivables
Piutang pembiayaan konsumen Consumer financing receivables
Piutang pembiayaan konsumen pihak ketiga Consumer financing receivables third parties
Piutang pembiayaan konsumen pihak berelasi Consumer financing receivables related parties
Cadangan kerugian penurunan nilai pada piutang pembiayaan konsumen Allowance for impairment losses for consumer financing receivables
Pinjaman qardh Qardh funds
Pinjaman qardh pihak ketiga Qardh funds third parties
Pinjaman qardh pihak berelasi Qardh funds related parties
Cadangan kerugian penurunan nilai pada pinjaman qardh Allowance for impairment losses for qardh funds
Pembiayaan mudharabah Mudharabah financing
Pembiayaan mudharabah pihak ketiga 1,575,911,011 956,454,495 Mudharabah financing third parties
Pembiayaan mudharabah pihak berelasi Mudharabah financing related parties
Cadangan kerugian penurunan nilai pada pembiayaan mudharabah ( 15,759,110 ) ( 9,426,212 ) Allowance for impairment losses for mudharabah financing
Pembiayaan musyarakah Musyarakah financing
Pembiayaan musyarakah pihak ketiga 9,402,334,980 8,836,880,414 Musyarakah financing third parties
Pembiayaan musyarakah pihak berelasi 537,617 873,843 Musyarakah financing related parties
Cadangan kerugian penurunan nilai pada pembiayaan musyarakah ( 220,466,559 ) ( 228,254,214 ) Allowance for impairment losses for musyarakah financing
Investasi sewa Lease investments
Investasi sewa pihak ketiga Lease investments third parties
Investasi sewa pihak berelasi Lease investments related parties
Investasi sewa nilai residu yang terjamin Lease investments guaranteed residual value
Investasi sewa pendapatan pembiayaan tangguhan Lease investments deferred financing income
Investasi sewa simpanan jaminan Lease investments guarantee deposits
Cadangan kerugian penurunan nilai pada investasi sewa Allowance for impairment losses for lease investments
Tagihan anjak piutang Factoring receivables
Tagihan anjak piutang pihak ketiga Factoring receivables third parties
Tagihan anjak piutang pihak berelasi Factoring receivables related parties
Tagihan anjak piutang pada pendapatan anjak piutang tangguhan Factoring receivables on deferred factoring income
Cadangan kerugian penurunan nilai pada tagihan anjak piutang Allowance for impairment losses for factoring receivables
Piutang lainnya Other receivables
Piutang lainnya pihak ketiga Other receivables third parties
Piutang lainnya pihak berelasi Other receivables related parties
Cadangan kerugian penurunan nilai pada piutang lainnya Allowance for impairment losses for other receivables
Aset keuangan lainnya 91,300,932 77,463,177 Other financial assets
Obligasi pemerintah Government bonds
Aset tidak lancar atau kelompok lepasan diklasifikasikan sebagai dimiliki untuk dijual Non-current assets or disposal groups classified as held-for-sale
Aset tidak lancar atau kelompok lepasan diklasifikasikan sebagai dimiliki untuk didistribusikan kepada pemilik Non-current assets or disposal groups classified as held-for-distribution to owners
Uang muka Advances
Biaya dibayar dimuka 30,179,538 40,633,339 Prepaid expenses
Jaminan 4,252,056 3,522,991 Guarantees
Pajak dibayar dimuka Prepaid taxes
Klaim atas pengembalian pajak Claims for tax refund
Aset pajak tangguhan 8,084,904 18,564,708 Deferred tax assets
Investasi yang dicatat dengan menggunakan metode ekuitas Investments accounted for using equity method
Investasi pada ventura bersama dan entitas asosiasi Investments in joint ventures and associates
Investasi pada entitas ventura bersama Investments in joint ventures
Investasi pada entitas asosiasi Investments in associates
Aset reasuransi Reinsurance assets
Aset imbalan pasca kerja Post-employment benefit assets
Goodwill Goodwill
Aset takberwujud selain goodwill 21,377,781 7,726,881 Intangible assets other than goodwill
Properti investasi Investment properties
Aset ijarah 519,500,709 438,066,624 Ijarah assets
Aset tetap 204,905,451 194,253,543 Property, plant, and equipment
Aset hak guna 14,091,957 15,600,198 Right of use assets
Aset pengampunan pajak 1,016,416 1,016,416 Tax amnesty assets
Agunan yang diambil alih 1,114,297,443 579,238,933 Foreclosed assets
Aset lainnya 26,144,633 22,953,890 Other assets
Jumlah aset 17,343,246,865 14,791,738,012 Total assets
Liabilitas, dana syirkah temporer dan ekuitas Liabilities, temporary syirkah funds and equity
Liabilitas Liabilities
Liabilitas segera 2,973,521 2,883,690 Obligations due immediately
Bagi hasil yang belum dibagikan 38,538,870 16,353,812 Undistributed profit sharing
Dana simpanan syariah Sharia deposits
Simpanan nasabah Customers deposits
Giro Current accounts
Giro pihak ketiga Current accounts third parties
Giro pihak berelasi Current accounts related parties
Giro wadiah Wadiah demand deposits
Giro wadiah pihak ketiga 313,003,893 251,241,603 Wadiah demand deposits third parties
Giro wadiah pihak berelasi 10,191,892 14,109,385 Wadiah demand deposits related parties
Tabungan Savings
Tabungan pihak ketiga Savings third parties
Tabungan pihak berelasi Savings related parties
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Tabungan wadiah Wadiah savings
Tabungan wadiah pihak ketiga 2,227,582,455 1,223,771,093 Wadiah savings third parties
Tabungan wadiah pihak berelasi 1,137,685 592,342 Wadiah savings related parties
Deposito berjangka Time deposits
Deposito berjangka pihak ketiga Time deposits third parties
Deposito berjangka pihak berelasi Time deposits related parties
Deposito wakalah Wakalah deposits
Deposito wakalah pihak ketiga Wakalah deposits third parties
Deposito wakalah pihak berelasi Wakalah deposits related parties
Simpanan dari bank lain Other banks deposits
Simpanan dari bank lain pihak berelasi Other banks deposits related parties
Simpanan dari bank lain pihak ketiga Other banks deposits third parties
Efek yang dijual dengan janji untuk dibeli kembali Securities sold with repurchase agreement
Liabilitas derivatif Derivative payables
Liabilitas derivatif pihak ketiga Derivative payables third parties
Liabilitas derivatif pihak berelasi Derivative payables related parties
Utang asuransi Insurance payables
Utang koasuransi Coinsurance liabilities
Liabilitas kepada pemegang polis unit-linked Liabilities to policyholder in unit-linked contracts
Utang bunga Interest payables
Liabilitas akseptasi Acceptance liabilities
Liabilitas akseptasi pihak berelasi Acceptance liabilities related parties
Liabilitas akseptasi pihak ketiga Acceptance liabilities third parties
Utang usaha Accounts payable
Uang muka dan angsuran Advances and installments
Utang dividen Dividends payable
Utang dealer Dealer payables
Pinjaman yang diterima Borrowings
Pinjaman yang diterima pihak ketiga Borrowings third parties
Pinjaman yang diterima pihak berelasi Borrowings related parties
Pinjaman yang diterima utang pada lembaga kliring dan penjaminan Borrowings payables to clearing and settlement guarantee institution
Efek yang diterbitkan Securities issued
Utang obligasi Bonds payable
Sukuk Sukuk
Obligasi subordinasi Subordinated bonds
Surat utang jangka menengah Medium term notes
Efek yang diterbitkan lainnya Others securities issued
Liabilitas kontrak asuransi Insurance contract liabilities
Utang perusahaan efek Securities company payables
Provisi Provisions
Liabilitas atas kontrak Contract liabilities
Pendapatan ditangguhkan Deferred income
Liabilitas sewa pembiayaan Finance lease liabilities
Estimasi kerugian komitmen dan kontinjensi Estimated losses on commitments and contingencies
Beban akrual Accrued expenses
Utang pajak 8,696,144 7,550,937 Taxes payable
Liabilitas pajak tangguhan Deferred tax liabilities
Liabilitas pengampunan pajak Tax amnesty liabilities
Liabilitas lainnya 1,384,757,464 477,667,405 Other liabilities
Kewajiban imbalan pasca kerja 19,312,626 21,021,800 Post-employment benefit obligations
Pinjaman subordinasi Subordinated loans
Pinjaman subordinasi pihak ketiga Subordinated loans third parties
Pinjaman subordinasi pihak berelasi Subordinated loans related parties
Jumlah liabilitas 4,006,194,550 2,015,192,067 Total liabilities
Dana syirkah temporer Temporary syirkah funds
Bukan bank Non-banks
Giro mudharabah Mudharabah current account
Giro mudharabah pihak ketiga Mudharabah current account third parties
Giro berjangka mudharabah pihak berelasi Mudharabah current account related parties
Tabungan mudharabah Mudharabah saving deposits
Tabungan mudharabah pihak ketiga 387,521,975 275,449,187 Mudharabah saving deposits third parties
Tabungan mudharabah pihak berelasi 4,687,050 2,659,901 Mudharabah saving deposits related parties
Deposito berjangka mudharabah Mudharabah time deposits
Deposito berjangka mudharabah pihak ketiga 9,721,230,061 8,878,825,845 Mudharabah time deposits third parties
Deposito berjangka mudharabah pihak berelasi 17,328,757 7,538,460 Mudharabah time deposits related parties
Bank Bank
Giro mudharabah Mudharabah current account
Tabungan mudharabah (ummat) 24,581,549 4,168,533 Mudharabah saving deposits (ummat)
Deposito berjangka mudharabah 43,180,000 2,500,000 Mudharabah time deposits
Efek yang diterbitkan bank Bank securities issued
Investasi mudharabah antar bank 350,000,000 1,100,000,000 Interbank mudharabah investments
Sukuk mudharabah Mudharabah sukuk
Sukuk mudharabah subordinasi Subordinated mudharabah sukuk
Jumlah dana syirkah temporer 10,548,529,392 10,271,141,926 Total temporary syirkah funds
Jumlah akumulasi dana tabarru Total accumulated tabarru's funds
Ekuitas Equity
Ekuitas yang diatribusikan kepada pemilik entitas induk Equity attributable to equity owners of parent entity
Saham biasa 3,881,364,132 3,881,364,132 Common stocks
Saham preferen Preferred stocks
Tambahan modal disetor ( 9,306,313 ) ( 9,306,313 ) Additional paid-in capital
Saham treasuri Treasury stocks
Uang muka setoran modal Advances in capital stock
Opsi saham Stock options
Penjabaran laporan keuangan Translation adjustment
Cadangan revaluasi Revaluation reserves
Cadangan selisih kurs penjabaran Reserve of exchange differences on translation
Cadangan perubahan nilai wajar aset keuangan nilai wajar melalui pendapatan komprehensif lainnya Reserve for changes in fair value of fair value through other comprehensive income financial assets
Cadangan keuntungan (kerugian) investasi pada instrumen ekuitas Reserve of gains (losses) from investments in equity instruments
Cadangan pembayaran berbasis saham Reserve of share-based payments
Cadangan lindung nilai arus kas Reserve of cash flow hedges
Cadangan pengukuran kembali program imbalan pasti Reserve of remeasurements of defined benefit plans
Cadangan lainnya Other reserves
Selisih Transaksi Perubahan Ekuitas Entitas Anak/Asosiasi Difference Due to Changes of Equity in Subsidiary/Associates
Komponen ekuitas lainnya 2,779,157 ( 35,649,282 ) Other components of equity
Saldo laba (akumulasi kerugian) Retained earnings (deficit)
Saldo laba yang telah ditentukan penggunaanya Appropriated retained earnings
Cadangan umum dan wajib 26,382,010 26,382,010 General and legal reserves
Cadangan khusus Specific reserves
Saldo laba yang belum ditentukan penggunaannya ( 1,112,696,063 ) ( 1,357,386,528 ) Unappropriated retained earnings
Jumlah ekuitas yang diatribusikan kepada pemilik entitas induk 2,788,522,923 2,505,404,019 Total equity attributable to equity owners of parent entity
Proforma ekuitas Proforma equity
Kepentingan non-pengendali Non-controlling interests
Jumlah ekuitas 2,788,522,923 2,505,404,019 Total equity
Jumlah liabilitas, dana syirkah temporer dan ekuitas 17,343,246,865 14,791,738,012 Total liabilities, temporary syirkah funds and equity
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[4312000] Statement of profit or loss and other comprehensive income, OCI components presented net of tax, by nature - Financial and Sharia Industry
Laporan laba rugi dan penghasilan komprehensif lain Statement of profit or loss and other comprehensive income
2023-12-31 2022-12-31
Laporan laba rugi dan penghasilan komprehensif lain Statement of profit or loss and other comprehensive income
Pendapatan dan beban operasional Operating income and expenses
Pendapatan bunga Interest income
Beban bunga Interest expenses
Pendapatan pengelolaan dana oleh bank sebagai mudharib 1,120,207,888 942,495,602 Revenue from fund management as mudharib
Hak pihak ketiga atas bagi hasil dana syirkah temporer ( 650,125,240 ) ( 396,210,508 ) Third parties share on return of temporary syirkah funds
Pendapatan asuransi Insurance income
Pendapatan dari premi asuransi Revenue from insurance premiums
Premi reasuransi Reinsurance premiums
Premi retrosesi Retrocession premiums
Penurunan (kenaikan) premi yang belum merupakan pendapatan Decrease (increase) in unearned premiums
Penurunan (kenaikan) pendapatan premi disesikan kepada reasuradur Decrease (increase) in premium income ceded to reinsurancer
Pendapatan komisi asuransi Insurance commission income
Pendapatan bersih investasi Net investment income
Penerimaan ujrah Ujrah received
Pendapatan asuransi lainnya Other insurance income
Beban asuransi Insurance expenses
Beban klaim Claim expenses
Klaim reasuransi Reinsurance claims
Klaim retrosesi Retrocession claims
Kenaikan (penurunan) estimasi liabilitas klaim Increase (decrease) in estimated claims liability
Kenaikan (penurunan) liabilitas manfaat polis masa depan Increase (decrease) in liability for future policy benefit
Kenaikan (penurunan) provisi yang timbul dari tes kecukupan liabilitas Increase (decrease) in provision for losses arising from liability adequacy test
Kenaikan (penurunan) liabilitas asuransi yang disesikan kepada reasuradur Increase (decrease) in insurance liabilities ceded to reinsurers
Kenaikan (penurunan) liabilitas pemegang polis pada kontrak unit-linked Increase (decrease) in liabilities to policyholder in unit-linked contracts
Beban komisi asuransi Insurance commission expenses
Ujrah dibayar Ujrah paid
Beban akuisisi dari kontrak asuransi Acquisition costs of insurance contracts
Beban asuransi lainnya Other insurance expenses
Pendapatan dari pembiayaan Financing income
Pendapatan dari pembiayaan konsumen 34,922,678 34,560,057 Revenue from consumer financing
Pendapatan dari sewa pembiayaan Revenue from finance lease
Pendapatan dari sewa operasi Revenue from operating lease
Pendapatan dari anjak piutang Revenue from factoring
Pendapatan sekuritas Securities income
Pendapatan kegiatan penjamin emisi dan penjualan efek Revenue from underwriting activities and selling fees
Pendapatan pembiayaan transaksi nasabah Revenue from financing transactions
Pendapatan jasa biro administrasi efek Revenue from securities administration service
Pendapatan kegiatan jasa manajer investasi Revenue from investment management services
Pendapatan kegiatan jasa penasehat keuangan Revenue from financial advisory services
Keuntungan (kerugian) dari transaksi perdagangan efek yang telah direalisasi Realised gains (losses) on trading of marketable securities
Keuntungan (kerugian) perubahan nilai wajar efek Gains (losses) on changes in fair value of marketable securities
Pendapatan operasional lainnya Other operating income
Pendapatan investasi Investments income
Pendapatan provisi dan komisi dari transaksi lainnya selain kredit Provisions and commissions income from transactions other than loan
Pendapatan transaksi perdagangan Revenue from trading transactions
Pendapatan dividen Dividends income
Keuntungan (kerugian) yang telah direalisasi atas instrumen derivatif Realised gains (losses) from derivative instruments
Penerimaan kembali aset yang telah dihapusbukukan 56,602,052 59,013,285 Revenue from recovery of written-off assets
Keuntungan (kerugian) selisih kurs mata uang asing Gains (losses) on changes in foreign exchange rates
Keuntungan (kerugian) pelepasan aset tetap Gains (losses) on disposal of property and equipment
Keuntungan (kerugian) pelepasan agunan yang diambil alih Gains (losses) on disposal of foreclosed assets
Pendapatan operasional lainnya 11,568,578 4,244,796 Other operating income
Pemulihan penyisihan kerugian penurunan nilai Recovery of impairment loss
Pemulihan penyisihan kerugian penurunan nilai aset keuangan Recovery of impairment loss of financial assets
Pemulihan penyisihan kerugian penurunan nilai aset keuangan - sewa pembiayaan Recovery of impairment loss of financial assets finance lease
Pemulihan penyisihan kerugian penurunan nilai aset keuangan - piutang pembiayaan konsumen 47,490,027 35,204,603 Recovery of impairment loss of financial assets consumer financing receivables
Pemulihan penyisihan kerugian penurunan nilai aset non-keuangan Recovery of impairment loss of non-financial assets
Pemulihan penyisihan kerugian penurunan nilai aset non-keuangan - agunan yang diambil alih Recovery of impairment loss of non-financial assets repossessed collaterals
Pemulihan penyisihan estimasi kerugian atas komitmen dan kontinjensi Recovery of estimated loss of commitments and contingency
Pembentukan kerugian penurunan nilai Allowances for impairment losses
Pembentukan penyisihan kerugian penurunan nilai aset produktif ( 47,443,851 ) ( 170,247,522 ) Allowances for impairment losses on earnings assets
Pembentukan penyisihan kerugian penurunan nilai aset non-produktif Allowances for impairment losses on non-earnings assets
Pembalikan (beban) estimasi kerugian komitmen dan kontijensi Reversal (expense) of estimated losses on commitments and contingencies
Beban operasional lainnya Other operating expenses
Beban umum dan administrasi ( 299,283,622 ) ( 231,092,611 ) General and administrative expenses
Beban penjualan Selling expenses
Beban sewa, pemeliharaan, dan perbaikan ( 7,909,878 ) ( 7,221,566 ) Rent, maintenance and improvement expenses
Beban provisi dan komisi Other fees and commissions expenses
Beban operasional lainnya ( 28,086,737 ) ( 16,896,813 ) Other operating expenses
Jumlah laba operasional 237,941,895 253,849,323 Total profit from operation
Pendapatan dan beban bukan operasional Non-operating income and expense
Pendapatan bukan operasional 769,166,551 618,653,638 Non-operating income
Beban bukan operasional ( 758,796,183 ) ( 624,333,538 ) Non-operating expenses
Bagian atas laba (rugi) entitas asosiasi yang dicatat dengan menggunakan metode ekuitas Share of profit (loss) of associates accounted for using equity method
Bagian atas laba (rugi) entitas ventura bersama yang dicatat menggunakan metode ekuitas Share of profit (loss) of joint ventures accounted for using equity method
Jumlah laba (rugi) sebelum pajak penghasilan 248,312,263 248,169,423 Total profit (loss) before tax
Pendapatan (beban) pajak ( 3,621,798 ) 2,362,169 Tax benefit (expenses)
Jumlah laba (rugi) dari operasi yang dilanjutkan 244,690,465 250,531,592 Total profit (loss) from continuing operations
Laba (rugi) dari operasi yang dihentikan Profit (loss) from discontinued operations
Jumlah laba (rugi) 244,690,465 250,531,592 Total profit (loss)
Pendapatan komprehensif lainnya, setelah pajak Other comprehensive income, after tax
Pendapatan komprehensif lainnya yang tidak akan direklasifikasi ke laba rugi, setelah pajak Other comprehensive income that will not be reclassified to profit or loss, after tax
Pendapatan komprehensif lainnya atas keuntungan (kerugian) hasil revaluasi aset tetap, setelah pajak 14,665,448 4,819,318 Other comprehensive income for gains (losses) on revaluation of property and equipment, after tax
Pendapatan komprehensif lainnya atas pengukuran kembali kewajiban manfaat pasti, setelah pajak 2,365,527 761,748 Other comprehensive income for remeasurement of defined benefit obligation, after tax
Penyesuaian lainnya atas pendapatan komprehensif lainnya yang tidak akan direklasifikasi ke laba rugi, setelah pajak ( 1,072,168 ) 172,415 Other adjustments to other comprehensive income that will not be reclassified to profit or loss, after tax
Jumlah pendapatan komprehensif lainnya yang tidak akan direklasifikasi ke laba rugi, setelah pajak 15,958,807 5,753,481 Total other comprehensive income that will not be reclassified to profit or loss, after tax
Pendapatan komprehensif lainnya yang akan direklasifikasi ke laba rugi, setelah pajak Other comprehensive income that may be reclassified to profit or loss, after tax
Keuntungan (kerugian) selisih kurs penjabaran, setelah pajak Gains (losses) on exchange differences on translation, after tax
Penyesuaian reklasifikasi selisih kurs penjabaran, setelah pajak Reclassification adjustments on exchange differences on translation, after tax
Keuntungan (kerugian) yang belum direalisasi atas perubahan nilai wajar aset keuangan melalui penghasilan komprehensif lain, setelah pajak 28,807,220 ( 68,128,743 ) Unrealised gains (losses) on changes in fair value through other comprehensive income financial assets, after tax
Penyesuaian reklasifikasi atas aset keuangan nilai wajar melalui pendapatan komprehensif lainnya, setelah pajak Reclassification adjustments on fair value through other comprehensive income financial assets, after tax
Keuntungan (kerugian) lindung nilai arus kas, setelah pajak Gains (losses) on cash flow hedges, after tax
Penyesuaian reklasifikasi atas lindung nilai arus kas, setelah pajak Reclassification adjustments on cash flow hedges, after tax
Nilai tercatat dari aset (liabilitas) non-keuangan yang perolehan atau keterjadiannya merupakan suatu prakiraan transaksi yang kemungkinan besar terjadi yang dilindung nilai, setelah pajak Carrying amount of non-financial asset (liability) whose acquisition or incurrence was hedged on highly probable forecast transaction, adjusted from equity, after tax
Keuntungan (kerugian) lindung nilai investasi bersih kegiatan usaha luar negeri, setelah pajak Gains (losses) on hedges of net investments in foreign operations, after tax
Penyesuaian reklasifikasi atas lindung nilai investasi bersih kegiatan usaha luar negeri, setelah pajak Reclassification adjustments on hedges of net investments in foreign operations, after tax
Bagian pendapatan komprehensif lainnya dari entitas asosiasi yang dicatat dengan menggunakan metode ekuitas, setelah pajak Share of other comprehensive income of associates accounted for using equity method, after tax
Bagian pendapatan komprehensif lainnya dari entitas ventura bersama yang dicatat dengan menggunakan metode ekuitas, setelah pajak Share of other comprehensive income of joint ventures accounted for using equity method, after tax
Penyesuaian lainnya atas pendapatan komprehensif lainnya yang akan direklasifikasi ke laba rugi, setelah pajak ( 6,337,588 ) 14,988,323 Other adjustments to other comprehensive income that may be reclassified to profit or loss, after tax
Jumlah pendapatan komprehensif lainnya yang akan direklasifikasi ke laba rugi, setelah pajak 22,469,632 ( 53,140,420 ) Total other comprehensive income that may be reclassified to profit or loss, after tax
Jumlah pendapatan komprehensif lainnya, setelah pajak 38,428,439 ( 47,386,939 ) Total other comprehensive income, after tax
Jumlah laba rugi komprehensif 283,118,904 203,144,653 Total comprehensive income
Laba (rugi) yang dapat diatribusikan Profit (loss) attributable to
Laba (rugi) yang dapat diatribusikan ke entitas induk 244,690,465 250,531,592 Profit (loss) attributable to parent entity
Laba (rugi) yang dapat diatribusikan ke kepentingan non-pengendali Profit (loss) attributable to non-controlling interests
Laba rugi komprehensif yang dapat diatribusikan Comprehensive income attributable to
Laba rugi komprehensif yang dapat diatribusikan ke entitas induk 283,118,904 203,144,653 Comprehensive income attributable to parent entity
Laba rugi komprehensif yang dapat diatribusikan ke kepentingan non-pengendali Comprehensive income attributable to non-controlling interests
Laba (rugi) per saham Earnings (loss) per share
Laba per saham dasar diatribusikan kepada pemilik entitas induk Basic earnings per share attributable to equity owners of the parent entity
Laba (rugi) per saham dasar dari operasi yang dilanjutkan 6.3 6.45 Basic earnings (loss) per share from continuing operations
Laba (rugi) per saham dasar dari operasi yang dihentikan Basic earnings (loss) per share from discontinued operations
Laba (rugi) per saham dilusian Diluted earnings (loss) per share
Laba (rugi) per saham dilusian dari operasi yang dilanjutkan 6.3 6.45 Diluted earnings (loss) per share from continuing operations
Laba (rugi) per saham dilusian dari operasi yang dihentikan Diluted earnings (loss) per share from discontinued operations
Page 6
[4410000] Statement of changes in equity - Financial and Sharia Industry
Laporan perubahan ekuitas
Reserve for changes in fair value
Reserve of exchange differences of fair value through other Reserve of gains (losses) from Reserve of remeasurements of
Common stocks Preferred stocks Additional paid-in capital Treasury stocks Advances in capital stock Stock options Translation adjustment Revaluation reserves Reserve of share-based payments Reserve of cash flow hedges Other reserves
on translation comprehensive income financial investments in equity instruments defined benefit plans Equity
assets
Cadangan perubahan nilai wajar aset
Cadangan keuntungan (kerugian) Cadangan pengukuran kembali program Selisih
Saham biasa Saham preferen Tambahan modal disetor Saham treasuri Uang muka setoran modal Opsi saham Penjabaran laporan keuangan Cadangan revaluasi Cadangan selisih kurs penjabaran keuangan nilai wajar melalui Cadangan pembayaran berbasis saham Cadangan lindung nilai arus kas Cadangan lainnya
investasi pada instrumen ekuitas imbalan pasti
pendapatan komprehensif lainnya
Laporan perubahan ekuitas [baris komponen]
Posisi ekuitas
Saldo awal periode sebelum penyajian kembali 3,881,364,132 ( 9,306,313 )
Penyesuaian
Penerapan awal standar akuntansi baru dan revisi
Perubahan kebijakan akuntansi secara sukarela
Koreksi kesalahan periode lalu
Penyesuaian lainnya
Posisi ekuitas, awal periode 3,881,364,132 ( 9,306,313 )
Laba (rugi)
Pendapatan komprehensif lainnya
Penjabaran laporan keuangan
Pembentukan cadangan umum
Pembentukan cadangan khusus
Distribusi dividen kas
Distribusi dividen saham
Penerbitan saham biasa
Penerbitan saham preferen
Biaya emisi efek
Penerbitan instrumen yang dapat dikonversi
Kenaikan (penurunan) ekuitas melalui transaksi saham tresuri
Kenaikan (penurunan) ekuitas melalui transaksi pembayaran berbasis saham
Pelaksanaan instrumen yang dapat dikonversi
Pelaksanaan waran
Kenaikan (penurunan) ekuitas melalui transaksi dengan pemilik ekuitas
Setoran modal dari kepentingan non-pengendali
Perubahan kepentingan non-pengendali atas akuisisi entitas anak
Perubahan kepentingan non-pengendali atas pendirian entitas anak
Perubahan kepentingan non-pengendali atas pelepasan entitas anak
Perubahan kepentingan non-pengendali atas pelepasan operasi yang dihentikan
Perubahan kepentingan non-pengendali atas pelepasan sebagian kepemilikan pada entitas anak yang tidak mengakibatkan hilangnya pengendalian
Perubahan kepentingan non-pengendali atas transaksi lainnya dengan kepentingan non-pengendali
Eliminasi defisit dalam rangka kuasi reorganisasi
Pelaksanaan opsi saham
Dampak penerapan psak no. 70 atas aset pengampunan pajak
Saldo penyesuaian dampak penerapan retrospektif atas PSAK
Transaksi ekuitas lainnya
Posisi ekuitas, akhir periode 3,881,364,132 ( 9,306,313 )
Page 7
[4410000] Statement of changes in equity - Financial and Sharia Industry - Prior Year
Laporan perubahan ekuitas
Reserve for changes in fair value
Reserve of exchange differences of fair value through other Reserve of gains (losses) from Reserve of remeasurements of
Common stocks Preferred stocks Additional paid-in capital Treasury stocks Advances in capital stock Stock options Translation adjustment Revaluation reserves Reserve of share-based payments Reserve of cash flow hedges Other reserves
on translation comprehensive income financial investments in equity instruments defined benefit plans Equity
assets
Cadangan perubahan nilai wajar aset
Cadangan keuntungan (kerugian) Cadangan pengukuran kembali program Selisih
Saham biasa Saham preferen Tambahan modal disetor Saham treasuri Uang muka setoran modal Opsi saham Penjabaran laporan keuangan Cadangan revaluasi Cadangan selisih kurs penjabaran keuangan nilai wajar melalui Cadangan pembayaran berbasis saham Cadangan lindung nilai arus kas Cadangan lainnya
investasi pada instrumen ekuitas imbalan pasti
pendapatan komprehensif lainnya
Laporan perubahan ekuitas [baris komponen]
Posisi ekuitas
Saldo awal periode sebelum penyajian kembali 3,881,364,132 ( 9,306,313 )
Penyesuaian
Penerapan awal standar akuntansi baru dan revisi
Perubahan kebijakan akuntansi secara sukarela
Koreksi kesalahan periode lalu
Penyesuaian lainnya
Posisi ekuitas, awal periode 3,881,364,132 ( 9,306,313 )
Laba (rugi)
Pendapatan komprehensif lainnya
Penjabaran laporan keuangan
Pembentukan cadangan umum
Pembentukan cadangan khusus
Distribusi dividen kas
Distribusi dividen saham
Penerbitan saham biasa
Penerbitan saham preferen
Biaya emisi efek
Penerbitan instrumen yang dapat dikonversi
Kenaikan (penurunan) ekuitas melalui transaksi saham tresuri
Kenaikan (penurunan) ekuitas melalui transaksi pembayaran berbasis saham
Pelaksanaan instrumen yang dapat dikonversi
Pelaksanaan waran
Kenaikan (penurunan) ekuitas melalui transaksi dengan pemilik ekuitas
Setoran modal dari kepentingan non-pengendali
Perubahan kepentingan non-pengendali atas akuisisi entitas anak
Perubahan kepentingan non-pengendali atas pendirian entitas anak
Perubahan kepentingan non-pengendali atas pelepasan entitas anak
Perubahan kepentingan non-pengendali atas pelepasan operasi yang dihentikan
Perubahan kepentingan non-pengendali atas pelepasan sebagian kepemilikan pada entitas anak yang tidak mengakibatkan hilangnya pengendalian
Perubahan kepentingan non-pengendali atas transaksi lainnya dengan kepentingan non-pengendali
Eliminasi defisit dalam rangka kuasi reorganisasi
Pelaksanaan opsi saham
Dampak penerapan psak no. 70 atas aset pengampunan pajak
Saldo penyesuaian dampak penerapan retrospektif atas PSAK
Transaksi ekuitas lainnya
Posisi ekuitas, akhir periode 3,881,364,132 ( 9,306,313 )
Page 8
[4510000] Statement of cash flows, direct method - Financial and Sharia Industry
Laporan arus kas Statement of cash flows
2023-12-31 2022-12-31
Laporan arus kas Statement of cash flows
Arus kas dari aktivitas operasi Cash flows from operating activities
Arus kas sebelum perubahan dalam aset dan liabilitas operasi Cash flows before changes in operating assets and liabilities
Penerimaan bunga, hasil investasi, provisi, dan komisi Interest, investment income, fees and commissions received
Pembayaran bunga dan bonus, provisi dan komisi Payments Of Interest And Bonus Fees And Commissions
Bunga bank dan deposito berjangka Interest from banks and time deposits
Penerimaan pendapatan pengelolaan dana sebagai mudharib 1,105,927,373 933,135,890 Revenue receipts from fund management as mudharib
Pembayaran bagi hasil dana syirkah temporer ( 589,401,312 ) ( 374,189,056 ) Payments of temporary syirkah funds
Penerimaan premi asuransi Receipts from insurance premiums
Penerimaan klaim reasuransi Receipts from reinsurance claims
Penerimaan (pembayaran) komisi Receipts (payments) of commission
Penerimaan klaim retrosesi Receipts from retrocession claims
Penerimaan dari ujrah Receipts of ujrah
Penerimaan dari (pembayaran kepada) lembaga kliring dan penjaminan Receipts from (payments to) clearing and guarantee institution
Penerimaan dari (pembayaran kepada) nasabah Receipts from (payments to) customers
Pencairan (penempatan) deposito pada lembaga kliring dan penjaminan Withdrawal (placement) of deposits to clearing and guarantee institution
Pendapatan dari transaksi operasional lainnya 103,093,308 97,818,137 Income from other operating transactions
Penerimaan kembali aset yang telah dihapusbukukan Recoveries of written off assets
Pembayaran biaya akuisisi ditangguhkan Payments for deferred acquisition costs
Pembayaran atas beban keuangan dan beban administrasi bank Payments of finance costs and bank administration charges
Pembayaran gaji dan tunjangan Payments for salaries and allowances
Pembayaran pajak penghasilan badan Payments for corporate income tax
Pembayaran beban umum dan administrasi Payments for general and administrative expense
Laba (rugi) selisih kurs Foreign currency gains (losses)
Penerimaan pengembalian (pembayaran) pajak penghasilan 694,857 ( 12,300,671 ) Refunds (payments) of income tax
Pembayaran beban operasional lainnya ( 317,785,826 ) ( 239,969,293 ) Payments for other operating expenses
Penerimaan pendapatan non-operasional 16,808,905 657,141 Receipts from non-operating income
Pengembalian (penempatan) uang jaminan Repayment (placement) of refundable deposits
Penerimaan (pengeluaran) kas lainnya dari aktivitas operasi ( 281,059 ) ( 157,925 ) Other cash inflows (outflows) from operating activities
Penurunan (kenaikan) aset operasi Decrease (increase) in operating assets
Penurunan (kenaikan) penempatan pada bank lain dan Bank Indonesia Decrease (increase) in placements with other banks and Bank Indonesia
Penurunan (kenaikan) efek yang diperdagangkan 213,975,233 1,091,896,877 Decrease (increase) in marketable securities
Penurunan (kenaikan) efek yang dibeli dengan janji dijual kembali Decrease (increase) in securities purchased under resale agreements
Penurunan (kenaikan) investasi pemegang polis pada kontrak unit-linked Decrease (increase) in investment of policyholder in unit-linked contracts
Penurunan (kenaikan) wesel ekspor dan tagihan lainnya Decrease (increase) in bills and other receivables
Penurunan (kenaikan) tagihan akseptasi Decrease (increase) in acceptance receivables
Penurunan (kenaikan) pinjaman yang diberikan Decrease (increase) in loans
Penurunan (kenaikan) piutang pembiayaan konsumen Decrease (increase) in consumer financing receivables
Penurunan (kenaikan) investasi sewa Decrease (increase) in lease investments
Penurunan (kenaikan) tagihan anjak piutang Decrease (increase) in factoring
Penurunan (kenaikan) piutang dan pembiayaan syariah Decrease (increase) in sharia financing and receivables
Penurunan (kenaikan) piutang murabahah 4,181,401 ( 34,704,905 ) Decrease (increase) in murabahah receivables
Penurunan (kenaikan) piutang istishna Decrease (increase) in istishna receivables
Penurunan (kenaikan) piutang ijarah ( 1,685,767 ) 1,056,157 Decrease (increase) in ijarah receivables
Penurunan (kenaikan) pinjaman qardh Decrease (increase) in qardh funds
Penurunan (kenaikan) pembiayaan mudharabah ( 623,681,881 ) ( 705,814,237 ) Decrease (increase) in mudharabah financing
Penurunan (kenaikan) pembiayaan musyarakah ( 632,981,070 ) ( 1,355,043,568 ) Decrease (increase) in musyarakah financing
Penurunan (kenaikan) aset ijarah ( 80,351,142 ) 69,295,228 Decrease (increase) in ijarah assets
Penurunan (kenaikan) piutang lainnya Decrease (increase) in other receivables
Penurunan (kenaikan) agunan yang diambil alih Decrease (increase) in foreclosed assets
Penurunan (kenaikan) tagihan derivatif Decrease (increase) in derivative receivables
Penurunan (kenaikan) aset reasuransi Decrease (increase) in reinsurance assets
Penurunan (kenaikan) aset lainnya ( 540,879,176 ) ( 85,553,276 ) Decrease (increase) in other assets
Kenaikan (penurunan) liabilitas operasi Increase (decrease) in operating liabilities
Kenaikan (penurunan) liabilitas segera 89,831 47,596 Increase (decrease) in obligations due immediately
Kenaikan (penurunan) giro dan tabungan simpanan nasabah Increase (decrease) in current accounts and customers savings
Kenaikan (penurunan) deposito berjangka nasabah Increase (decrease) in customers time deposits
Kenaikan (penurunan) giro wadiah simpanan nasabah 35,621,829 58,334,577 Increase (decrease) in customers wadiah demand deposits
Kenaikan (penurunan) tabungan wadiah simpanan nasabah 1,004,356,704 758,768,779 Increase (decrease) in customers wadiah saving deposits
Kenaikan (penurunan) deposito wakalah simpanan nasabah Increase (decrease) in customers wakalah deposits
Kenaikan (penurunan) simpanan dari bank lain Increase (decrease) in other banks saving deposits
Kenaikan (penurunan) giro mudharabah Increase (decrease) in mudharabah current account
Kenaikan (penurunan) tabungan mudharabah Increase (decrease) in mudharabah savings deposits
Kenaikan (penurunan) efek yang dijual dengan janji dibeli kembali Increase (decrease) in securities sold under repurchase agreement
Kenaikan (penurunan) liabilitas akseptasi Increase (decrease) in acceptance payables
Kenaikan (penurunan) liabilitas pemegang polis pada kontrak unit-linked Increase (decrease) in liabilities to policyholder on unit-linked contracts
Kenaikan (penurunan) liabilitas derivatif Increase (decrease) in derivative payables
Kenaikan (penurunan) dana syirkah temporer 277,387,466 ( 1,125,720,882 ) Increase (decrease) in temporary syirkah funds
Kenaikan (penurunan) liabilitas lainnya 949,260,886 456,772,121 Increase (decrease) in other liabilities
Jumlah arus kas bersih yang diperoleh dari (digunakan untuk) aktivitas operasi 924,350,560 ( 465,671,310 ) Total net cash flows received from (used in) operating activities
Arus kas dari aktivitas investasi Cash flows from investing activities
Penerimaan dari penyertaan saham dalam klasifikasi biaya perolehan diamortisasi dan nilai wajar melalui pendapatan komprehensif lainnya Proceeds from equity investments classified as amortized cost and fair value through other comprehensive income
Pencairan (penempatan) obligasi dan (atau) sukuk Withdrawal (placement) of bonds and (or) sukuk
Penerimaan dividen dari aktivitas investasi Dividends received from investing activities
Penerimaan dari penjualan (perolehan) properti investasi Proceeds from disposal (acquisition) of investment properties
Penerimaan dari penjualan (perolehan) aset tetap ( 3,376,141 ) ( 1,108,467 ) Proceeds from disposal (acquisition) of property and equipment
Penerimaan dari penjualan (perolehan) aset takberwujud selain goodwill ( 15,082,124 ) ( 7,489,894 ) Proceeds from disposal (acquisition) of intangible assets other than goodwill
Pencairan (penempatan) aset keuangan nilai wajar melalui pendapatan komprehensif lainnya Withdrawal (placement) of financial assets fair value through other comprehensive income
Penempatan aset keuangan biaya perolehan diamortisasi Placement of financial assets amotized cost investments
Pencairan aset keuangan biaya perolehan diamortisasi Withdrawal of financial assets amortized cost investments
Penerimaan dari (pembayaran kepada) pinjaman polis Receipts from (payments for) policy loans
Pembayaran untuk perolehan entitas anak Payments for acquisition of subsidiaries
Penerimaan dari pelepasan entitas anak Proceeds from sales of subsidiaries
Pembayaran untuk perolehan tambahan kepemilikan pada entitas anak Payments for acquisition of additional interests in subsidiaries
Pencairan (penempatan) efek-efek yang diperdagangkan Withdrawal (placement) of marketable securities
Penerimaan dari pelepasan kepentingan di entitas anak tanpa hilangnya pengendalian dari kegiatan investasi Proceeds from sales of interests in subsidiaries without loss of control from investing activities
Pembayaran untuk perolehan kepemilikan pada entitas asosiasi Payments for acquisition of interests in associates
Penerimaan dari pelepasan kepemilikan pada entitas asosiasi Proceeds from sales of interests in associates
Penerimaan (pengeluaran) kas lainnya dari aktivitas investasi ( 9,825,964 ) ( 15,360,750 ) Other cash inflows (outflows) from investing activities
Jumlah arus kas bersih yang diperoleh dari (digunakan untuk) aktivitas investasi ( 28,284,229 ) ( 23,959,111 ) Total net cash flows received from (used in) investing activities
Arus kas dari aktivitas pendanaan Cash flows from financing activities
Kenaikan (penurunan) efek yang diterbitkan Increase (decrease) in securities issued
Penerbitan sukuk mudharabah Issuance of mudharabah sukuk
Penempatan sertifikat investasi mudharabah Placement of certificate of mudharabah investments
Biaya emisi sukuk mudharabah Issuance cost of mudharabah sukuk
Penerimaan pinjaman yang diterima Proceeds from borrowings
Pembayaran pinjaman yang diterima Payments for borrowings
Penerimaan pinjaman subordinasi Proceeds from subordinated loans
Pembayaran pinjaman subordinasi Payments of subordinated loans
Pembayaran bunga pinjaman Payments of interests from borrowings
Penerimaan dari penerbitan obligasi Proceeds from bonds issuance
Pembayaran utang obligasi Payments of bonds payable
Pembayaran biaya emisi penerbitan obligasi Payments of bonds issuance costs
Obligasi subordinasi yang diterbitkan Subordinated bonds issued
Pembayaran obligasi subordinasi Payments of subordinated bonds
Biaya emisi obligasi subordinasi yang diterbitkan Subordinated bonds issuance costs
Penerimaan dari surat utang jangka menengah Proceeds from medium term notes
Pembayaran dari surat utang jangka menengah Payments of medium term notes
Penerimaan dari penerbitan saham baru Proceeds from issuance of new stocks
Pembayaran biaya emisi saham Payments of stock issuance costs
Penerimaan setoran modal Proceeds from capital contributions
Penerimaan dari penambahan kepemilikan dari non-pengendali Proceed from increase of non-controlling interest
Penjualan (pembelian) dari saham tresuri Sales (purchase) of treasury stocks
Penerimaan dari program opsi saham karyawan Proceeds from employee stock options program
Penyelesaian (penempatan) transaksi derivatif Settlement (placement) of derivative transactions
Pembayaran dividen dari aktivitas pendanaan Dividends paid from financing activities
Penerimaan (pengeluaran) kas lainnya dari aktivitas pendanaan Other cash inflows (outflows) from financing activities
Jumlah arus kas bersih yang diperoleh dari (digunakan untuk) aktivitas pendanaan Total net cash flows received from (used in) financing activities
Jumlah kenaikan (penurunan) bersih kas dan setara kas 896,066,331 ( 489,630,421 ) Total net increase (decrease) in cash and cash equivalents
Kas dan setara kas arus kas, awal periode 1,219,407,306 1,709,037,727 Cash and cash equivalents cash flows, beginning of the period
Efek perubahan nilai kurs pada kas dan setara kas Effect of exchange rate changes on cash and cash equivalents
Kas dan setara kas dari entitas anak yang didekonsolidasikan Cash and cash equivalent of deconsolidated subsidiaries
Kenaikan (penurunan) kas dan setara kas lainnya Other increase (decrease) in cash and cash equivalents
Kas dan setara kas arus kas, akhir periode 2,115,473,637 1,219,407,306 Cash and cash equivalents cash flows, end of the period
Page 9
[4610000] Explanation for Significant Accounting Policy - Financial and Sharia Industry
Kebijakan akuntansi signifikan Significant accounting policies
2023-12-31
Kebijakan akuntansi signifikan Significant accounting policies
Dasar penyusunan laporan keuangan konsolidasian Basis of preparation of consolidated financial statements
Prinsip-prinsip konsolidasi Principles of consolidation
Kas dan setara kas Cash and cash equivalents
Aset tetap Fixed assets
Penurunan nilai aset nonkeuangan Impairment of non-financial assets
Beban tangguhan Deferred charges
Pengakuan pendapatan dan beban Revenue and expense recognition
Penjabaran mata uang asing Foreign currency translation
Transaksi dengan pihak berelasi Transactions with related parties
Pajak penghasilan Income taxes
Pinjaman Borrowings
Provisi Provisions
Imbalan kerja karyawan Employee benefits
Laba per saham Earnings per share
Dividen Dividends
Pelaporan segmen Segment reporting
Instrumen keuangan derivatif Derivative financial instruments
Penerapan standar akutansi baru The implementation of new statements of accounting standards
Kombinasi bisnis Business combination
Penentuan nilai wajar Determination of fair value
Transaksi dan saldo dalam mata uang asing Foreign currency transactions and balances
Giro pada Bank Indonesia dan bank lain Current accounts with Bank Indonesia and other banks
Penempatan pada Bank Indonesia dan bank lain Placements with Bank Indonesia and other banks
Efek-efek Securities
Page 10
Investasi jangka pendek Short-term investment Aset hak guna Right of use assets Properti investasi Investment properties Goodwill Goodwill Investasi pada entitas asosiasi Investment in associates Aset takberwujud Intangible assets Beban dibayar dimuka Prepaid expenses Piutang dan utang asuransi Insurance receivables and payables Piutang pembiayaan konsumen Consumer financing receivables Liabilitas atas kontrak Contract liabilities Simpanan nasabah dan simpanan dari bank lain Deposits from customers and deposits from other banks Obligasi subordinasi Subordinated bonds Efek-efek yang dibeli dengan janji dibeli kembali Securities purchased under resell agreements Saham treasuri Treasury stock Modal saham Share capital Pengaturan pembayaran berbasis saham Share-based payment arrangement Biaya emisi efek ekuitas Stock issuance cost Instrumen keuangan Financial instruments Aset tidak lancar yang diklasifikasikan sebagai dimiliki untuk dijual Non-current assets classified as held for sale Peristiwa setelah tanggal periode pelaporan Events after reporting period Penerapan standar akuntansi baru Adoption of new accounting standards Standar akuntansi yang telah disahkan namun belum berlaku efektif Accounting standards issued but not yet effective Utang pembiayaan konsumen Consumer financing liabilities
Page 11
[4611000_BD] Notes to the financial statements - Property, Plant, and Equipement (breakdown) - Financial and Sharia Industry
Aset tetap Property, plant, and equipment
Aset tetap [baris komponen]
Aset tetap Penambahan aset tetap Pengurangan aset tetap Reklasifikasi aset tetap Penjabaran laporan keuangan aset tetap Entitas anak baru aset tetap Revaluasi aset tetap Penurunan (pemulihan) nilai aset tetap Aset tetap
Nilai perolehan, kotor Tanah, dimiliki langsung 143,941,144 4,928,602 148,869,746 Land, directly owned Carrying amount, gross
Bangunan dan fasilitasnya, dimiliki langsung 43,499,008 1,474,045 44,973,053 Building and leasehold improvement, directly owned
Mesin dan peralatan, dimiliki langsung Machinery and equipment, directly owned
Alat berat, dimiliki langsung Heavy equipment, directly owned
Alat pengangkutan, dimiliki langsung Transportation equipment, directly owned
Perabot dan peralatan kantor, dimiliki langsung 12,149,916 3,418,391 ( 237,208 ) 15,331,099 Furniture and office equipment, directly owned
Kendaraan bermotor, dimiliki langsung 65,814 65,814 Motor vehicle, directly owned
Pesawat, dimiliki langsung Aircraft, directly owned
Kapal, dimiliki langsung Vessels, directly owned
Menara telekomunikasi, dimiliki langsung BTS Tower, directly owned
Jaringan Fiber Optik, dimiliki langsung Fiber Optic Network, directly owned
Infrastruktur Telekomunikasi, dimiliki langsung Telecommunication Infrastructure, directly owned
Peralatan Teknikal, dimiliki langsung Technical Equipment, directly owned
Lainnya, dimiliki langsung Others, directly owned
Dimiliki langsung 199,655,882 3,418,391 ( 237,208 ) 6,402,647 209,239,712 Directly owned
Mesin, aset hak guna Machinery, right of use assets
Alat pengangkutan, aset hak guna Transportation equipment, right of use assets
Alat berat, aset hak guna Heavy equipment, right of use assets
Bangunan, aset hak guna Building, right of use assets
Perabot dan peralatan kantor, aset hak guna Furniture and office equipment, rights of use assets
Kendaraan bermotor, aset hak guna Motor vehicle, rights of use assets
Pesawat, aset hak guna Aircraft, right of use assets
Kapal, aset hak guna Vessels, right of use assets
Menara telekomunikasi, aset hak guna BTS Tower, right of use assets
Jaringan Fiber Optik, aset hak guna Fiber Optic Network, right of use assets
Infrastruktur Telekomunikasi, aset hak guna Telecommunication Infrastructure, right of use assets
Peralatan Teknikal, aset hak guna Technical Equipment, right of use assets
Lainnya, aset hak guna Others, right of use assets
Aset hak guna Right of use assets
Bangunan, dalam penyelesaian Building, assets under construction
Mesin dan alat berat, dalam penyelesaian Machinery and heavy equipment, assets under construction
Menara telekomunikasi, dalam penyelesaian BTS Tower, assets under construction
Jaringan Fiber Optik, dalam penyelesaian Fiber Optic Network, assets under construction
Infrastruktur Telekomunikasi, dalam penyelesaian Telecommunication Infrastructure, assets under construction
Peralatan Teknikal, dalam penyelesaian Technical Equipment, assets under construction
Lainnya, dalam penyelesaian Others, assets under construction
Aset dalam penyelesaian Assets under construction
Aset tetap 199,655,882 3,418,391 ( 237,208 ) 6,402,647 209,239,712 Property, plant, and equipment
Akumulasi depresiasi Tanah, dimiliki langsung Land, directly owned Carrying amount, accumulated depreciation
Bangunan dan fasilitasnya, dimiliki langsung 4,131,400 4,131,401 ( 8,262,801 ) 0 Building and leasehold improvement, directly owned
Mesin dan peralatan, dimiliki langsung Machinery and equipment, directly owned
Alat berat, dimiliki langsung Heavy equipment, directly owned
Alat pengangkutan, dimiliki langsung Transportation equipment, directly owned
Perabot dan peralatan kantor, dimiliki langsung 1,213,152 3,212,367 ( 157,272 ) 4,268,247 Furniture and office equipment, directly owned
Kendaraan bermotor, dimiliki langsung 57,787 8,227 66,014 Motor vehicle, directly owned
Pesawat, dimiliki langsung Aircraft, directly owned
Kapal, dimiliki langsung Vessels, directly owned
Menara telekomunikasi, dimiliki langsung BTS Tower, directly owned
Jaringan Fiber Optik, dimiliki langsung Fiber Optic Network, directly owned
Infrastruktur Telekomunikasi, dimiliki langsung Telecommunication Infrastructure, directly owned
Peralatan Teknikal, dimiliki langsung Technical Equipment, directly owned
Lainnya, dimiliki langsung Others, directly owned
Dimiliki langsung 5,402,339 7,351,995 ( 157,272 ) ( 8,262,801 ) 4,334,261 Directly owned
Mesin, aset hak guna Machinery, right of use assets
Alat pengangkutan, aset hak guna Transportation equipment, right of use assets
Alat berat, aset hak guna Heavy equipment, right of use assets
Bangunan, aset hak guna Building, right of use assets
Perabot dan peralatan kantor, aset hak guna Furniture and office equipment, rights of use assets
Kendaraan bermotor, aset hak guna Motor vehicle, rights of use assets
Pesawat, aset hak guna Aircraft, right of use assets
Kapal, aset hak guna Vessels, right of use assets
Menara telekomunikasi, aset hak guna BTS Tower, right of use assets
Jaringan Fiber Optik, aset hak guna Fiber Optic Network, right of use assets
Infrastruktur Telekomunikasi, aset hak guna Telecommunication Infrastructure, right of use assets
Peralatan Teknikal, aset hak guna Technical Equipment, right of use assets
Lainnya, aset hak guna Others, right of use assets
Aset hak guna Right of use assets
Bangunan, dalam penyelesaian Building, assets under construction
Mesin dan alat berat, dalam penyelesaian Machinery and heavy equipment, assets under construction
Menara telekomunikasi, dalam penyelesaian BTS Tower, assets under construction
Jaringan Fiber Optik, dalam penyelesaian Fiber Optic Network, assets under construction
Infrastruktur Telekomunikasi, dalam penyelesaian Telecommunication Infrastructure, assets under construction
Peralatan Teknikal, dalam penyelesaian Technical Equipment, assets under construction
Lainnya, dalam penyelesaian Others, assets under construction
Aset dalam penyelesaian Assets under construction
Aset tetap 5,402,339 7,351,995 ( 157,272 ) ( 8,262,801 ) 4,334,261 Property, plant, and equipment
Aset tetap Property, plant, and equipment
Aset tetap [baris komponen]
Aset tetap Penambahan aset tetap Pengurangan aset tetap Reklasifikasi aset tetap Penjabaran laporan keuangan aset tetap Entitas anak baru aset tetap Revaluasi aset tetap Penurunan (pemulihan) nilai aset tetap Aset tetap
Nilai perolehan Aset tetap 194,253,543 ( 3,933,604 ) ( 79,936 ) 14,665,448 204,905,451 Property, plant, and equipment Carrying amount
Page 12
[4611000_BD] Notes to the financial statements - Property, Plant, and Equipement (breakdown) - Financial and Sharia Industry - Prior Year
Aset tetap Property, plant, and equipment
Aset tetap [baris komponen]
Aset tetap Penambahan aset tetap Pengurangan aset tetap Reklasifikasi aset tetap Penjabaran laporan keuangan aset tetap Entitas anak baru aset tetap Revaluasi aset tetap Penurunan (pemulihan) nilai aset tetap Aset tetap
Nilai perolehan, kotor Tanah, dimiliki langsung 143,941,144 143,941,144 Land, directly owned Carrying amount, gross
Bangunan dan fasilitasnya, dimiliki langsung 43,499,008 43,499,008 Building and leasehold improvement, directly owned
Mesin dan peralatan, dimiliki langsung Machinery and equipment, directly owned
Alat berat, dimiliki langsung Heavy equipment, directly owned
Alat pengangkutan, dimiliki langsung Transportation equipment, directly owned
Perabot dan peralatan kantor, dimiliki langsung 19,588,551 1,151,316 ( 24,689 ) ( 8,565,262 ) 12,149,916 Furniture and office equipment, directly owned
Kendaraan bermotor, dimiliki langsung 125,122 ( 59,308 ) 65,814 Motor vehicle, directly owned
Pesawat, dimiliki langsung Aircraft, directly owned
Kapal, dimiliki langsung Vessels, directly owned
Menara telekomunikasi, dimiliki langsung BTS Tower, directly owned
Jaringan Fiber Optik, dimiliki langsung Fiber Optic Network, directly owned
Infrastruktur Telekomunikasi, dimiliki langsung Telecommunication Infrastructure, directly owned
Peralatan Teknikal, dimiliki langsung Technical Equipment, directly owned
Lainnya, dimiliki langsung Others, directly owned
Dimiliki langsung 207,153,825 1,151,316 ( 83,997 ) ( 8,565,262 ) 199,655,882 Directly owned
Mesin, aset hak guna Machinery, right of use assets
Alat pengangkutan, aset hak guna Transportation equipment, right of use assets
Alat berat, aset hak guna Heavy equipment, right of use assets
Bangunan, aset hak guna Building, right of use assets
Perabot dan peralatan kantor, aset hak guna Furniture and office equipment, rights of use assets
Kendaraan bermotor, aset hak guna Motor vehicle, rights of use assets
Pesawat, aset hak guna Aircraft, right of use assets
Kapal, aset hak guna Vessels, right of use assets
Menara telekomunikasi, aset hak guna BTS Tower, right of use assets
Jaringan Fiber Optik, aset hak guna Fiber Optic Network, right of use assets
Infrastruktur Telekomunikasi, aset hak guna Telecommunication Infrastructure, right of use assets
Peralatan Teknikal, aset hak guna Technical Equipment, right of use assets
Lainnya, aset hak guna Others, right of use assets
Aset hak guna Right of use assets
Bangunan, dalam penyelesaian Building, assets under construction
Mesin dan alat berat, dalam penyelesaian Machinery and heavy equipment, assets under construction
Menara telekomunikasi, dalam penyelesaian BTS Tower, assets under construction
Jaringan Fiber Optik, dalam penyelesaian Fiber Optic Network, assets under construction
Infrastruktur Telekomunikasi, dalam penyelesaian Telecommunication Infrastructure, assets under construction
Peralatan Teknikal, dalam penyelesaian Technical Equipment, assets under construction
Lainnya, dalam penyelesaian Others, assets under construction
Aset dalam penyelesaian Assets under construction
Aset tetap 207,153,825 1,151,316 ( 83,997 ) ( 8,565,262 ) 199,655,882 Property, plant, and equipment
Akumulasi depresiasi Tanah, dimiliki langsung Land, directly owned Carrying amount, accumulated depreciation
Bangunan dan fasilitasnya, dimiliki langsung 4,131,400 4,131,400 Building and leasehold improvement, directly owned
Mesin dan peralatan, dimiliki langsung Machinery and equipment, directly owned
Alat berat, dimiliki langsung Heavy equipment, directly owned
Alat pengangkutan, dimiliki langsung Transportation equipment, directly owned
Perabot dan peralatan kantor, dimiliki langsung 12,963,834 3,006,968 ( 19,083 ) ( 14,738,567 ) 1,213,152 Furniture and office equipment, directly owned
Kendaraan bermotor, dimiliki langsung 93,841 11,516 ( 47,570 ) 57,787 Motor vehicle, directly owned
Pesawat, dimiliki langsung Aircraft, directly owned
Kapal, dimiliki langsung Vessels, directly owned
Menara telekomunikasi, dimiliki langsung BTS Tower, directly owned
Jaringan Fiber Optik, dimiliki langsung Fiber Optic Network, directly owned
Infrastruktur Telekomunikasi, dimiliki langsung Telecommunication Infrastructure, directly owned
Peralatan Teknikal, dimiliki langsung Technical Equipment, directly owned
Lainnya, dimiliki langsung Others, directly owned
Dimiliki langsung 13,057,675 7,149,884 ( 66,653 ) ( 14,738,567 ) 5,402,339 Directly owned
Mesin, aset hak guna Machinery, right of use assets
Alat pengangkutan, aset hak guna Transportation equipment, right of use assets
Alat berat, aset hak guna Heavy equipment, right of use assets
Bangunan, aset hak guna Building, right of use assets
Perabot dan peralatan kantor, aset hak guna Furniture and office equipment, rights of use assets
Kendaraan bermotor, aset hak guna Motor vehicle, rights of use assets
Pesawat, aset hak guna Aircraft, right of use assets
Kapal, aset hak guna Vessels, right of use assets
Menara telekomunikasi, aset hak guna BTS Tower, right of use assets
Jaringan Fiber Optik, aset hak guna Fiber Optic Network, right of use assets
Infrastruktur Telekomunikasi, aset hak guna Telecommunication Infrastructure, right of use assets
Peralatan Teknikal, aset hak guna Technical Equipment, right of use assets
Lainnya, aset hak guna Others, right of use assets
Aset hak guna Right of use assets
Bangunan, dalam penyelesaian Building, assets under construction
Mesin dan alat berat, dalam penyelesaian Machinery and heavy equipment, assets under construction
Menara telekomunikasi, dalam penyelesaian BTS Tower, assets under construction
Jaringan Fiber Optik, dalam penyelesaian Fiber Optic Network, assets under construction
Infrastruktur Telekomunikasi, dalam penyelesaian Telecommunication Infrastructure, assets under construction
Peralatan Teknikal, dalam penyelesaian Technical Equipment, assets under construction
Lainnya, dalam penyelesaian Others, assets under construction
Aset dalam penyelesaian Assets under construction
Aset tetap 13,057,675 7,149,884 ( 66,653 ) ( 14,738,567 ) 5,402,339 Property, plant, and equipment
Aset tetap Property, plant, and equipment
Aset tetap [baris komponen]
Aset tetap Penambahan aset tetap Pengurangan aset tetap Reklasifikasi aset tetap Penjabaran laporan keuangan aset tetap Entitas anak baru aset tetap Revaluasi aset tetap Penurunan (pemulihan) nilai aset tetap Aset tetap
Nilai perolehan Aset tetap 194,096,150 ( 5,998,568 ) ( 17,344 ) 6,173,305 194,253,543 Property, plant, and equipment Carrying amount
Page 13
[4611100] Disclosure of Notes to the financial statements - Property, Plant and Equipment - Financial and Sharia Industry
Pengungkapan Disclosure
2023-12-31
Pengungkapan Disclosure
Pengungkapan catatan atas aset tetap Disclosure of notes for property, plant and equipment
Page 14
[4611100a_BD] Notes to the financial statements - Loans and Sharia receivables - by currency, related parties and third parties (breakdown) - Financial and Sharia Industry
2023-12-31
Pinjaman berdasarkan mata uang dan pihak Loans by currencies and parties Pinjaman berdasarkan mata uang dan pihak Loans by currencies and parties
Jumlah pinjaman berdasarkan mata Jumlah pinjaman berdasarkan mata
uang dan pihak uang dan pihak
Jumlah pinjaman, kotor Jumlah pinjaman, kotor
Pinjaman konvensional Pihak berelasi Rupiah Rupiah Related parties Conventional loans Pinjaman konvensional Pihak berelasi Rupiah Rupiah Related parties Conventional loans
Mata uang asing Foreign currencies Mata uang asing Foreign currencies
Subjumlah Seluruh Mata Uang Subtotal on all Currencies Subjumlah Seluruh Mata Uang Subtotal on all Currencies
Pihak ketiga Rupiah Rupiah Third parties Pihak ketiga Rupiah Rupiah Third parties
Mata uang asing Foreign currencies Mata uang asing Foreign currencies
Subjumlah Seluruh Mata Uang Subtotal on all Currencies Subjumlah Seluruh Mata Uang Subtotal on all Currencies
Pinjaman syariah Pihak berelasi Rupiah Rupiah Related parties Sharia loans Pinjaman syariah Pihak berelasi Rupiah Rupiah Related parties Sharia loans
Mata uang asing Foreign currencies Mata uang asing Foreign currencies
Subjumlah Seluruh Mata Uang Subtotal on all Currencies Subjumlah Seluruh Mata Uang Subtotal on all Currencies
Pihak ketiga Rupiah Rupiah Third parties Pihak ketiga Rupiah Rupiah Third parties
Mata uang asing Foreign currencies Mata uang asing Foreign currencies
Subjumlah Seluruh Mata Uang Subtotal on all Currencies Subjumlah Seluruh Mata Uang Subtotal on all Currencies
2023-12-31
Pinjaman berdasarkan mata uang dan pihak Loans by currencies and parties Pinjaman berdasarkan mata uang dan pihak Loans by currencies and parties
Jumlah pinjaman berdasarkan mata Jumlah pinjaman berdasarkan mata
uang dan pihak uang dan pihak
Jumlah pinjaman, kotor Jumlah pinjaman, kotor
Pinjaman konvensional Subjumlah Seluruh Pihak Subjumlah Seluruh Mata Uang Subtotal on all Currencies Subtotal on all Parties Conventional loans Pinjaman konvensional Subjumlah Seluruh Pihak Subjumlah Seluruh Mata Uang Subtotal on all Currencies Subtotal on all Parties Conventional loans
Pinjaman syariah Subjumlah Seluruh Pihak Subjumlah Seluruh Mata Uang Subtotal on all Currencies Subtotal on all Parties Sharia loans Pinjaman syariah Subjumlah Seluruh Pihak Subjumlah Seluruh Mata Uang Subtotal on all Currencies Subtotal on all Parties Sharia loans
Jumlah Pinjaman konvensional dan syariah Subjumlah Seluruh Pihak Subjumlah Seluruh Mata Uang Subtotal on all Currencies Subtotal on all Parties Total Conventional and sharia loans Jumlah Pinjaman konvensional dan syariah Subjumlah Seluruh Pihak Subjumlah Seluruh Mata Uang Subtotal on all Currencies Subtotal on all Parties Total Conventional and sharia loans
Jumlah pinjaman berdasarkan mata uang dan pihak Total loans by currencies and parties
2023-12-31 2022-12-31
Jumlah pinjaman berdasarkan mata uang dan pihak Total loans by currencies and parties
Jumlah pinjaman, kotor Total loans, gross
Cadangan kerugian penurunan nilai pada pinjaman yang diberikan Allowance for impairment losses for loans
Jumlah pinjaman, bersih Total loans, net
Page 15
[4611200a_BD] Notes to the financial statements - Sharia receivables - by currency, related parties and third parties (breakdown) - Financial and Sharia Industry
2023-12-31
Pinjaman syariah berdasarkan mata uang dan pihak Sharia receivables by currencies and parties Pinjaman syariah berdasarkan mata uang dan pihak Sharia receivables by currencies and parties
Jumlah pinjaman syariah berdasarkan Jumlah pinjaman syariah berdasarkan
mata uang dan pihak mata uang dan pihak
Jumlah piutang syariah, kotor Jumlah piutang syariah, kotor
Pihak berelasi Rupiah 4,370,023 Rupiah Related parties Pihak berelasi Rupiah 6,030,220 Rupiah Related parties
Mata uang asing Foreign currencies Mata uang asing Foreign currencies
Subjumlah Seluruh Mata Uang 4,370,023 Subtotal on all Currencies Subjumlah Seluruh Mata Uang 6,030,220 Subtotal on all Currencies
Pihak ketiga Rupiah 11,612,366,826 Rupiah Third parties Pihak ketiga Rupiah 10,347,042,277 Rupiah Third parties
Mata uang asing Foreign currencies Mata uang asing Foreign currencies
Subjumlah Seluruh Mata Uang 11,612,366,826 Subtotal on all Currencies Subjumlah Seluruh Mata Uang 10,347,042,277 Subtotal on all Currencies
2023-12-31
Pinjaman syariah berdasarkan mata uang dan pihak Sharia receivables by currencies and parties Pinjaman syariah berdasarkan mata uang dan pihak Sharia receivables by currencies and parties
Jumlah pinjaman syariah berdasarkan Jumlah pinjaman syariah berdasarkan
mata uang dan pihak mata uang dan pihak
Jumlah piutang syariah, kotor Jumlah piutang syariah, kotor
Subjumlah Seluruh Pihak Subjumlah Seluruh Mata Uang 11,616,736,849 Subtotal on all Currencies Subtotal on all Parties Subjumlah Seluruh Pihak Subjumlah Seluruh Mata Uang 10,353,072,497 Subtotal on all Currencies Subtotal on all Parties
Jumlah pinjaman syariah berdasarkan mata uang dan pihak Total sharia receivables by currencies and parties
2023-12-31 2022-12-31
Jumlah pinjaman syariah berdasarkan mata uang dan pihak Total sharia receivables by currencies and parties
Jumlah piutang syariah, kotor 11,616,736,849 10,353,072,497 Total sharia receivables, gross
Cadangan kerugian penurunan nilai pada piutang murabahah ( 745,469 ) ( 1,022,657 ) Allowance for impairment losses for murabahah receivables
Cadangan kerugian penurunan nilai pada piutang istishna Allowance for impairment losses for istishna receivables
Cadangan kerugian penurunan nilai pada piutang ijarah ( 6,869,002 ) ( 5,183,236 ) Allowance for impairment losses for ijarah receivables
Cadangan kerugian penurunan nilai pada pinjaman qardh Allowance for impairment losses for qardh funds
Cadangan kerugian penurunan nilai pada pembiayaan mudharabah ( 15,759,110 ) ( 9,426,212 ) Allowance for impairment losses for mudharabah financing
Cadangan kerugian penurunan nilai pada pembiayaan musyarakah ( 220,466,559 ) ( 228,254,214 ) Allowance for impairment losses for musyarakah financing
Jumlah piutang syariah, bersih 11,372,896,709 10,109,186,178 Total sharia receivables, net
Page 16
[4612000_BD] Notes to the financial statements - Right of Use Assets (breakdown) - Financial and Sharia Industry
Aset hak guna Right of use assets
Aset hak guna [baris komponen]
Penjabaran laporan keuangan aset hak Penurunan (pemulihan) nilai aset hak
Aset hak guna Penambahan aset hak guna Pengurangan aset hak guna Reklasifikasi aset hak guna Entitas anak baru aset hak guna Revaluasi aset hak guna Aset hak guna
guna guna
Nilai perolehan, kotor Mesin, aset hak guna Machinery, right of use assets Carrying amount, gross
Alat pengangkutan, aset hak guna 7,421,943 2,448,343 9,870,286 Transportation equipment, right of use assets
Alat berat, aset hak guna Heavy equipment, right of use assets
Bangunan, aset hak guna 8,952,703 7,385,876 ( 8,212,794 ) 8,125,785 Building, right of use assets
Pesawat, aset hak guna Aircraft, right of use assets
Kapal, aset hak guna Vessels, right of use assets
Lainnya, aset hak guna 5,923,368 5,923,368 Others, right of use assets
Aset hak guna 22,298,014 9,834,219 ( 8,212,794 ) 23,919,439 Right of use assets
Akumulasi depresiasi Mesin, aset hak guna Machinery, right of use assets Carrying amount, accumulated depreciation
Alat pengangkutan, aset hak guna 1,654,384 1,852,073 3,506,457 Transportation equipment, right of use assets
Alat berat, aset hak guna Heavy equipment, right of use assets
Bangunan, aset hak guna 4,845,989 5,702,245 ( 5,609,326 ) 4,938,908 Building, right of use assets
Pesawat, aset hak guna Aircraft, right of use assets
Kapal, aset hak guna Vessels, right of use assets
Lainnya, aset hak guna 197,443 1,184,674 1,382,117 Others, right of use assets
Aset hak guna 6,697,816 8,738,992 ( 5,609,326 ) 9,827,482 Right of use assets
Aset hak guna Right of use assets
Aset hak guna [baris komponen]
Penjabaran laporan keuangan aset hak Penurunan (pemulihan) nilai aset hak
Aset hak guna Penambahan aset hak guna Pengurangan aset hak guna Reklasifikasi aset hak guna Entitas anak baru aset hak guna Revaluasi aset hak guna Aset hak guna
guna guna
Nilai perolehan Aset hak guna 15,600,198 1,095,227 ( 2,603,468 ) 14,091,957 Right of use assets Carrying amount
Page 17
[4612000_BD] Notes to the financial statements - Right of Use Assets (breakdown) - Financial and Sharia Industry - Prior Year
Aset hak guna Right of use assets
Aset hak guna [baris komponen]
Penjabaran laporan keuangan aset hak Penurunan (pemulihan) nilai aset hak
Aset hak guna Penambahan aset hak guna Pengurangan aset hak guna Reklasifikasi aset hak guna Entitas anak baru aset hak guna Revaluasi aset hak guna Aset hak guna
guna guna
Nilai perolehan, kotor Mesin, aset hak guna Machinery, right of use assets Carrying amount, gross
Alat pengangkutan, aset hak guna 4,294,488 4,927,694 ( 1,800,239 ) 7,421,943 Transportation equipment, right of use assets
Alat berat, aset hak guna Heavy equipment, right of use assets
Bangunan, aset hak guna 9,101,261 4,509,687 ( 4,658,245 ) 8,952,703 Building, right of use assets
Pesawat, aset hak guna Aircraft, right of use assets
Kapal, aset hak guna Vessels, right of use assets
Lainnya, aset hak guna 1,135,692 5,923,369 ( 1,135,693 ) 5,923,368 Others, right of use assets
Aset hak guna 14,531,441 15,360,750 ( 7,594,177 ) 22,298,014 Right of use assets
Akumulasi depresiasi Mesin, aset hak guna Machinery, right of use assets Carrying amount, accumulated depreciation
Alat pengangkutan, aset hak guna 1,554,911 1,569,566 ( 1,470,093 ) 1,654,384 Transportation equipment, right of use assets
Alat berat, aset hak guna Heavy equipment, right of use assets
Bangunan, aset hak guna 4,359,221 5,145,013 ( 4,658,245 ) 4,845,989 Building, right of use assets
Pesawat, aset hak guna Aircraft, right of use assets
Kapal, aset hak guna Vessels, right of use assets
Lainnya, aset hak guna 189,280 1,143,856 ( 1,135,693 ) 197,443 Others, right of use assets
Aset hak guna 6,103,412 7,858,435 ( 7,264,031 ) 6,697,816 Right of use assets
Aset hak guna Right of use assets
Aset hak guna [baris komponen]
Penjabaran laporan keuangan aset hak Penurunan (pemulihan) nilai aset hak
Aset hak guna Penambahan aset hak guna Pengurangan aset hak guna Reklasifikasi aset hak guna Entitas anak baru aset hak guna Revaluasi aset hak guna Aset hak guna
guna guna
Nilai perolehan Aset hak guna 8,428,029 7,502,315 ( 330,146 ) 15,600,198 Right of use assets Carrying amount
Page 18
[4612100a_BD] Notes to the financial statements - Loans and Sharia receivables - by type (breakdown) - Financial and Sharia Industry
Pinjaman berdasarkan tipe Loans by type
Jumlah pinjaman, kotor
Total loans, gross
Current Special mention Substandard Doubtful Loss Total Loans by collectibility
Jumlah Pinjaman berdasarkan
Lancar Dalam perhatian khusus Kurang lancar Diragukan Macet
kolektibilitas
Rupiah Modal kerja Rupiah Working capital
Investasi Investment
Sindikasi Syndicated
Program pemerintah Government programs
Karyawan Employee
Ekspor Export
Subjumlah pinjaman lainnya Others, subtotal loans
Konsumen Consumer
Subjumlah Pinjaman berdasarkan tipe Subtotal Loans by type
Mata uang asing Modal kerja Foreign currencies Working capital
Investasi Investment
Sindikasi Syndicated
Program pemerintah Government programs
Karyawan Employee
Ekspor Export
Subjumlah pinjaman lainnya Others, subtotal loans
Konsumen Consumer
Subjumlah Pinjaman berdasarkan tipe Subtotal Loans by type
Pinjaman berdasarkan tipe Loans by type
Jumlah pinjaman, kotor
Total loans, gross
Current Special mention Substandard Doubtful Loss Total Loans by collectibility
Jumlah Pinjaman berdasarkan
Lancar Dalam perhatian khusus Kurang lancar Diragukan Macet
kolektibilitas
Rupiah Modal kerja Rupiah Working capital
Investasi Investment
Sindikasi Syndicated
Program pemerintah Government programs
Karyawan Employee
Ekspor Export
Subjumlah pinjaman lainnya Others, subtotal loans
Konsumen Consumer
Subjumlah Pinjaman berdasarkan tipe Subtotal Loans by type
Mata uang asing Modal kerja Foreign currencies Working capital
Investasi Investment
Sindikasi Syndicated
Program pemerintah Government programs
Karyawan Employee
Ekspor Export
Subjumlah pinjaman lainnya Others, subtotal loans
Konsumen Consumer
Subjumlah Pinjaman berdasarkan tipe Subtotal Loans by type
Pinjaman berdasarkan tipe Loans by type
Jumlah pinjaman, kotor
Total loans, gross
Current Special mention Substandard Doubtful Loss Total Loans by collectibility
Jumlah Pinjaman berdasarkan
Lancar Dalam perhatian khusus Kurang lancar Diragukan Macet
kolektibilitas
Subjumlah Seluruh Mata Uang Subjumlah Pinjaman berdasarkan tipe Subtotal on all Currencies Subtotal Loans by type
Pinjaman berdasarkan tipe Loans by type
Jumlah pinjaman, kotor
Total loans, gross
Current Special mention Substandard Doubtful Loss Total Loans by collectibility
Jumlah Pinjaman berdasarkan
Lancar Dalam perhatian khusus Kurang lancar Diragukan Macet
kolektibilitas
Subjumlah Seluruh Mata Uang Subjumlah Pinjaman berdasarkan tipe Subtotal on all Currencies Subtotal Loans by type
Pinjaman berdasarkan tipe Loans by type
Current Loss Substandard Doubtful Special mention Total Loans by collectibility
Jumlah Pinjaman berdasarkan
Lancar Macet Kurang lancar Diragukan Dalam perhatian khusus
kolektibilitas
Jumlah pinjaman berdasarkan tipe Total loans by type
Jumlah pinjaman, kotor Total loans, gross
Cadangan kerugian penurunan nilai pada pinjaman yang diberikan Allowance for impairment losses for loans
Jumlah pinjaman, bersih Total loans, net
Pinjaman berdasarkan tipe Loans by type
Current Loss Substandard Doubtful Special mention Total Loans by collectibility
Jumlah Pinjaman berdasarkan
Lancar Macet Kurang lancar Diragukan Dalam perhatian khusus
kolektibilitas
Jumlah pinjaman berdasarkan tipe Total loans by type
Jumlah pinjaman, kotor Total loans, gross
Cadangan kerugian penurunan nilai pada pinjaman yang diberikan Allowance for impairment losses for loans
Jumlah pinjaman, bersih Total loans, net
Page 19
[4612200a_BD] Notes to the financial statements - Sharia receivables - by type (breakdown) - Financial and Sharia Industry
Pinjaman syariah berdasarkan tipe Sharia receivables by type
Jumlah piutang syariah, kotor
Total sharia receivables, gross
Current Special mention Substandard Doubtful Loss Total Loans by collectibility
Jumlah Pinjaman berdasarkan
Lancar Dalam perhatian khusus Kurang lancar Diragukan Macet
kolektibilitas
Rupiah Modal kerja 5,578,532,995 365,326,586 309,082,649 6,252,942,230 Rupiah Working capital
Investasi 3,077,493,349 83,322,252 6,569,032 3,167,384,633 Investment
Sindikasi 585,921,817 585,921,817 Syndicated
Program pemerintah Government programs
Karyawan 4,395,439 4,395,439 Employee
Ekspor 199,997,994 196,478,531 396,476,525 Export
Subjumlah pinjaman lainnya Others, subtotal loans
Konsumen 885,730,285 200,199,438 37,076,837 13,288,018 73,321,627 1,209,616,205 Consumer
Subjumlah Pinjaman berdasarkan tipe 10,332,071,879 845,326,807 37,076,837 13,288,018 388,973,308 11,616,736,849 Subtotal Loans by type
Mata uang asing Modal kerja Foreign currencies Working capital
Investasi Investment
Sindikasi Syndicated
Program pemerintah Government programs
Karyawan Employee
Ekspor Export
Subjumlah pinjaman lainnya Others, subtotal loans
Konsumen Consumer
Subjumlah Pinjaman berdasarkan tipe Subtotal Loans by type
Pinjaman syariah berdasarkan tipe Sharia receivables by type
Jumlah piutang syariah, kotor
Total sharia receivables, gross
Current Special mention Substandard Doubtful Loss Total Loans by collectibility
Jumlah Pinjaman berdasarkan
Lancar Dalam perhatian khusus Kurang lancar Diragukan Macet
kolektibilitas
Rupiah Modal kerja 5,078,619,908 214,347,466 228,308 606,458 250,187,367 5,543,989,507 Rupiah Working capital
Investasi 2,978,973,937 37,048,231 2,118,376 10,826,522 3,028,967,066 Investment
Sindikasi 310,662,063 310,662,063 Syndicated
Program pemerintah Government programs
Karyawan 6,102,303 6,102,303 Employee
Ekspor 253,915,208 253,915,208 Export
Subjumlah pinjaman lainnya Others, subtotal loans
Konsumen 972,295,220 158,522,922 29,783,696 5,180,890 43,653,622 1,209,436,350 Consumer
Subjumlah Pinjaman berdasarkan tipe 9,600,568,639 409,918,619 32,130,380 5,787,348 304,667,511 10,353,072,497 Subtotal Loans by type
Mata uang asing Modal kerja Foreign currencies Working capital
Investasi Investment
Sindikasi Syndicated
Program pemerintah Government programs
Karyawan Employee
Ekspor Export
Subjumlah pinjaman lainnya Others, subtotal loans
Konsumen Consumer
Subjumlah Pinjaman berdasarkan tipe Subtotal Loans by type
Pinjaman syariah berdasarkan tipe Sharia receivables by type
Jumlah piutang syariah, kotor
Total sharia receivables, gross
Current Special mention Substandard Doubtful Loss Total Loans by collectibility
Jumlah Pinjaman berdasarkan
Lancar Dalam perhatian khusus Kurang lancar Diragukan Macet
kolektibilitas
Subjumlah Seluruh Mata Uang Subjumlah Pinjaman berdasarkan tipe 10,332,071,879 845,326,807 37,076,837 13,288,018 388,973,308 11,616,736,849 Subtotal on all Currencies Subtotal Loans by type
Pinjaman syariah berdasarkan tipe Sharia receivables by type
Jumlah piutang syariah, kotor
Total sharia receivables, gross
Current Special mention Substandard Doubtful Loss Total Loans by collectibility
Jumlah Pinjaman berdasarkan
Lancar Dalam perhatian khusus Kurang lancar Diragukan Macet
kolektibilitas
Subjumlah Seluruh Mata Uang Subjumlah Pinjaman berdasarkan tipe 9,600,568,639 409,918,619 32,130,380 5,787,348 304,667,511 10,353,072,497 Subtotal on all Currencies Subtotal Loans by type
Pinjaman syariah berdasarkan tipe Sharia receivables by type
Current Loss Substandard Doubtful Special mention Total Loans by collectibility
Jumlah Pinjaman berdasarkan
Lancar Macet Kurang lancar Diragukan Dalam perhatian khusus
kolektibilitas
Jumlah pinjaman syariah berdasarkan tipe Total sharia receivables by type
Jumlah piutang syariah, kotor 10,332,071,879 388,973,308 37,076,837 13,288,018 845,326,807 11,616,736,849 Total sharia receivables, gross
Cadangan kerugian penurunan nilai pada piutang murabahah ( 24,643 ) ( 672,111 ) ( 48,715 ) ( 745,469 ) Allowance for impairment losses for murabahah receivables
Cadangan kerugian penurunan nilai pada piutang istishna Allowance for impairment losses for istishna receivables
Cadangan kerugian penurunan nilai pada piutang ijarah ( 1,467,188 ) ( 1,059,267 ) ( 306,973 ) ( 4,035,574 ) ( 6,869,002 ) Allowance for impairment losses for ijarah receivables
Cadangan kerugian penurunan nilai pada pinjaman qardh Allowance for impairment losses for qardh funds
Cadangan kerugian penurunan nilai pada pembiayaan mudharabah ( 15,759,110 ) ( 15,759,110 ) Allowance for impairment losses for mudharabah financing
Cadangan kerugian penurunan nilai pada pembiayaan musyarakah ( 82,199,436 ) ( 78,254,563 ) ( 2,584,112 ) ( 3,421,046 ) ( 54,007,402 ) ( 220,466,559 ) Allowance for impairment losses for musyarakah financing
Jumlah piutang syariah, bersih 10,234,088,690 308,579,446 33,433,458 9,559,999 787,235,116 11,372,896,709 Total sharia receivables, net
Pinjaman syariah berdasarkan tipe Sharia receivables by type
Current Loss Substandard Doubtful Special mention Total Loans by collectibility
Jumlah Pinjaman berdasarkan
Lancar Macet Kurang lancar Diragukan Dalam perhatian khusus
kolektibilitas
Jumlah pinjaman syariah berdasarkan tipe Total sharia receivables by type
Jumlah piutang syariah, kotor 9,600,568,639 304,667,511 32,130,380 5,787,348 409,918,619 10,353,072,497 Total sharia receivables, gross
Cadangan kerugian penurunan nilai pada piutang murabahah ( 105,538 ) ( 713,391 ) ( 115,183 ) ( 88,545 ) ( 1,022,657 ) Allowance for impairment losses for murabahah receivables
Cadangan kerugian penurunan nilai pada piutang istishna Allowance for impairment losses for istishna receivables
Cadangan kerugian penurunan nilai pada piutang ijarah ( 976,333 ) ( 758,722 ) ( 331,063 ) ( 3,117,118 ) ( 5,183,236 ) Allowance for impairment losses for ijarah receivables
Cadangan kerugian penurunan nilai pada pinjaman qardh Allowance for impairment losses for qardh funds
Cadangan kerugian penurunan nilai pada pembiayaan mudharabah ( 8,130,379 ) ( 1,295,833 ) ( 9,426,212 ) Allowance for impairment losses for mudharabah financing
Cadangan kerugian penurunan nilai pada pembiayaan musyarakah ( 83,232,164 ) ( 140,482,651 ) ( 1,379,719 ) ( 525,419 ) ( 2,634,261 ) ( 228,254,214 ) Allowance for impairment losses for musyarakah financing
Jumlah piutang syariah, bersih 9,509,100,558 162,495,136 29,991,939 4,815,683 402,782,862 10,109,186,178 Total sharia receivables, net
Page 20
[4613100a_BD] Notes to the financial statements - Loans and Sharia receivables - by Economic Sector (breakdown) - Financial and Sharia Industry
2023-12-31
Pinjaman berdasarkan sektor ekonomi Loans by economic sector Pinjaman berdasarkan sektor ekonomi Loans by ec
Jumlah pinjaman, kotor Jumlah pinjaman, kotor
Total loans, gross Total loans, gross
Current Special mention Substandard Doubtful Loss Total Loans by collectibility Current Special mention Substandard Doubtful Loss Total Loans by collectibility
Jumlah Pinjaman berdasarkan Jumlah Pinjaman berdasarkan
Lancar Dalam perhatian khusus Kurang lancar Diragukan Macet Lancar Dalam perhatian khusus Kurang lancar Diragukan Macet
kolektibilitas kolektibilitas
Rupiah Perindustrian Rupiah Manufacturing Rupiah Perindustrian Rupiah
Perdagangan, restoran dan hotel Trading, restaurants and hotels Perdagangan, restoran dan hotel Trading, r
Pertanian Agriculture Pertanian
Jasa dunia usaha Business services Jasa dunia usaha
Konstruksi Construction Konstruksi
Pengangkutan, pergudangan dan komunikasi Transportation, warehousing and communications Pengangkutan, pergudangan dan komunikasi Transportation, warehousing
Listrik, gas dan air Electricity, gas and water Listrik, gas dan air
Jasa sosial Social services Jasa sosial
Pertambangan Mining Pertambangan
Properti Property Properti
Lain-lain Other sectors Lain-lain
Subjumlah Pinjaman berdasarkan sektor ekonomi Subtotal Loans by economic sector Subjumlah Pinjaman berdasarkan sektor ekonomi Subtotal Loan
Mata uang asing Perindustrian Foreign currencies Manufacturing Mata uang asing Perindustrian Foreign currencies
Perdagangan, restoran dan hotel Trading, restaurants and hotels Perdagangan, restoran dan hotel Trading, r
Pertanian Agriculture Pertanian
Jasa dunia usaha Business services Jasa dunia usaha
Konstruksi Construction Konstruksi
Pengangkutan, pergudangan dan komunikasi Transportation, warehousing and communications Pengangkutan, pergudangan dan komunikasi Transportation, warehousing
Listrik, gas dan air Electricity, gas and water Listrik, gas dan air
Jasa sosial Social services Jasa sosial
Pertambangan Mining Pertambangan
Properti Property Properti
Lain-lain Other sectors Lain-lain
Subjumlah Pinjaman berdasarkan sektor ekonomi Subtotal Loans by economic sector Subjumlah Pinjaman berdasarkan sektor ekonomi Subtotal Loan
2023-12-31
Pinjaman berdasarkan sektor ekonomi Loans by economic sector Pinjaman berdasarkan sektor ekonomi
Jumlah pinjaman, kotor Jumlah pinjaman, kotor
Total loans, gross Total loans, gross
Current Special mention Substandard Doubtful Loss Total Loans by collectibility Current Special mention Substandard Doubtful Loss Total Loans by collectibility
Jumlah Pinjaman berdasarkan Jumlah Pinjaman berdasarkan
Lancar Dalam perhatian khusus Kurang lancar Diragukan Macet Lancar Dalam perhatian khusus Kurang lancar Diragukan Macet
kolektibilitas kolektibilitas
Subjumlah Seluruh Mata Uang Subjumlah Pinjaman berdasarkan sektor ekonomi Subtotal on all Currencies Subtotal Loans by economic sector Subjumlah Seluruh Mata Uang Subjumlah Pinjaman berdasarkan sektor ekonomi Subtotal on all Currencies
2023-12-31
Pinjaman berdasarkan sektor ekonomi Loans by economic sector Pinjaman berdasarkan sektor ekonomi Loans by economic sector
Current Special mention Substandard Doubtful Loss Total Loans by collectibility Current Special mention Substandard Doubtful Loss Total Loans by collectibility
Jumlah Pinjaman berdasarkan Jumlah Pinjaman berdasarkan
Lancar Dalam perhatian khusus Kurang lancar Diragukan Macet Lancar Dalam perhatian khusus Kurang lancar Diragukan Macet
kolektibilitas kolektibilitas
Jumlah pinjaman berdasarkan sektor ekonomi Total loans by economic sector Jumlah pinjaman berdasarkan sektor ekonomi Total loans by economic sector
Jumlah pinjaman, kotor Total loans, gross Jumlah pinjaman, kotor Total loans, gross
Cadangan kerugian penurunan nilai pada pinjaman yang diberikan Allowance for impairment losses for loans Cadangan kerugian penurunan nilai pada pinjaman yang diberikan Allowance for impairment losses for loans
Jumlah pinjaman, bersih Total loans, net Jumlah pinjaman, bersih Total loans, net
Page 21
[4613200a_BD] Notes to the financial statements - Sharia receivables - by Economic Sector (breakdown) - Financial and Sharia Industry
Pinjaman syariah berdasarkan sektor ekonomi Sharia receivables by economic sector
Jumlah piutang syariah, kotor
Total sharia receivables, gross
Current Special mention Substandard Doubtful Loss Total Loans by collectibility
Jumlah Pinjaman berdasarkan
Lancar Dalam perhatian khusus Kurang lancar Diragukan Macet
kolektibilitas
Rupiah Perindustrian 1,497,536,740 230,748,999 6,967,521 1,735,253,260 Rupiah Manufacturing
Perdagangan, restoran dan hotel 2,374,291,896 156,672,969 243,047,471 2,774,012,336 Trading, restaurants and hotels
Pertanian 15,526,392 718,629 16,245,021 Agriculture
Jasa dunia usaha 2,141,087,559 1,507,209 2,142,594,768 Business services
Konstruksi 1,117,382,493 172,758,641 61,424,528 1,351,565,662 Construction
Pengangkutan, pergudangan dan komunikasi 576,189,681 71,891,167 648,080,848 Transportation, warehousing and communications
Listrik, gas dan air 334,801,218 334,801,218 Electricity, gas and water
Jasa sosial 144,230,748 13,055,594 1,986,322 159,272,664 Social services
Pertambangan Mining
Properti 1,674,913,705 89,139,493 24,133,483 5,846,095 66,249,050 1,860,281,826 Property
Lain-lain 456,111,447 111,059,944 12,943,354 7,441,923 7,072,578 594,629,246 Other sectors
Subjumlah Pinjaman berdasarkan sektor ekonomi 10,332,071,879 845,326,807 37,076,837 13,288,018 388,973,308 11,616,736,849 Subtotal Loans by economic sector
Mata uang asing Perindustrian Foreign currencies Manufacturing
Perdagangan, restoran dan hotel Trading, restaurants and hotels
Pertanian Agriculture
Jasa dunia usaha Business services
Konstruksi Construction
Pengangkutan, pergudangan dan komunikasi Transportation, warehousing and communications
Listrik, gas dan air Electricity, gas and water
Jasa sosial Social services
Pertambangan Mining
Properti Property
Lain-lain Other sectors
Subjumlah Pinjaman berdasarkan sektor ekonomi Subtotal Loans by economic sector
Pinjaman syariah berdasarkan sektor ekonomi Sharia receivables by economic sector
Jumlah piutang syariah, kotor
Total sharia receivables, gross
Current Special mention Substandard Doubtful Loss Total Loans by collectibility
Jumlah Pinjaman berdasarkan
Lancar Dalam perhatian khusus Kurang lancar Diragukan Macet
kolektibilitas
Rupiah Perindustrian 1,765,086,964 5,666,700 2,346,684 58,006,515 1,831,106,863 Rupiah Manufacturing
Perdagangan, restoran dan hotel 2,181,002,265 208,664,457 606,458 197,646,723 2,587,919,903 Trading, restaurants and hotels
Pertanian 2,243,680 2,243,680 Agriculture
Jasa dunia usaha 802,235,283 802,235,283 Business services
Konstruksi 997,952,562 349,000 998,301,562 Construction
Pengangkutan, pergudangan dan komunikasi 1,163,463,341 1,163,463,341 Transportation, warehousing and communications
Listrik, gas dan air 164,040,778 164,040,778 Electricity, gas and water
Jasa sosial 134,970,293 8,091,978 3,853,441 146,915,712 Social services
Pertambangan Mining
Properti 1,915,154,702 92,917,876 22,058,741 2,504,683 40,109,484 2,072,745,486 Property
Lain-lain 474,418,771 94,228,608 7,724,955 2,676,207 5,051,348 584,099,889 Other sectors
Subjumlah Pinjaman berdasarkan sektor ekonomi 9,600,568,639 409,918,619 32,130,380 5,787,348 304,667,511 10,353,072,497 Subtotal Loans by economic sector
Mata uang asing Perindustrian Foreign currencies Manufacturing
Perdagangan, restoran dan hotel Trading, restaurants and hotels
Pertanian Agriculture
Jasa dunia usaha Business services
Konstruksi Construction
Pengangkutan, pergudangan dan komunikasi Transportation, warehousing and communications
Listrik, gas dan air Electricity, gas and water
Jasa sosial Social services
Pertambangan Mining
Properti Property
Lain-lain Other sectors
Subjumlah Pinjaman berdasarkan sektor ekonomi Subtotal Loans by economic sector
Pinjaman syariah berdasarkan sektor ekonomi Sharia receivables by economic sector
Jumlah piutang syariah, kotor
Total sharia receivables, gross
Current Special mention Substandard Doubtful Loss Total Loans by collectibility
Jumlah Pinjaman berdasarkan
Lancar Dalam perhatian khusus Kurang lancar Diragukan Macet
kolektibilitas
Subjumlah Seluruh Mata Uang Subjumlah Pinjaman berdasarkan sektor ekonomi 10,332,071,879 845,326,807 37,076,837 13,288,018 388,973,308 11,616,736,849 Subtotal on all Currencies Subtotal Loans by economic sector
Pinjaman syariah berdasarkan sektor ekonomi Sharia receivables by economic sector
Jumlah piutang syariah, kotor
Total sharia receivables, gross
Current Special mention Substandard Doubtful Loss Total Loans by collectibility
Jumlah Pinjaman berdasarkan
Lancar Dalam perhatian khusus Kurang lancar Diragukan Macet
kolektibilitas
Subjumlah Seluruh Mata Uang Subjumlah Pinjaman berdasarkan sektor ekonomi 9,600,568,639 409,918,619 32,130,380 5,787,348 304,667,511 10,353,072,497 Subtotal on all Currencies Subtotal Loans by economic sector
Pinjaman syariah berdasarkan sektor ekonomi Sharia receivables by economic sector
Current Special mention Substandard Doubtful Loss Total Loans by collectibility
Jumlah Pinjaman berdasarkan
Lancar Dalam perhatian khusus Kurang lancar Diragukan Macet
kolektibilitas
Jumlah pinjaman syariah berdasarkan sektor ekonomi Total sharia receivables by economic sector
Jumlah piutang syariah, kotor 10,332,071,879 845,326,807 37,076,837 13,288,018 388,973,308 11,616,736,849 Total sharia receivables, gross
Cadangan kerugian penurunan nilai pada piutang murabahah ( 24,643 ) ( 48,715 ) ( 672,111 ) ( 745,469 ) Allowance for impairment losses for murabahah receivables
Cadangan kerugian penurunan nilai pada piutang istishna Allowance for impairment losses for istishna receivables
Cadangan kerugian penurunan nilai pada piutang ijarah ( 4,035,574 ) ( 1,059,267 ) ( 306,973 ) ( 1,467,188 ) ( 6,869,002 ) Allowance for impairment losses for ijarah receivables
Cadangan kerugian penurunan nilai pada pinjaman qardh Allowance for impairment losses for qardh funds
Cadangan kerugian penurunan nilai pada pembiayaan mudharabah ( 15,759,110 ) ( 15,759,110 ) Allowance for impairment losses for mudharabah financing
Cadangan kerugian penurunan nilai pada pembiayaan musyarakah ( 82,199,436 ) ( 54,007,402 ) ( 2,584,112 ) ( 3,421,046 ) ( 78,254,563 ) ( 220,466,559 ) Allowance for impairment losses for musyarakah financing
Jumlah piutang syariah, bersih 10,234,088,690 787,235,116 33,433,458 9,559,999 308,579,446 11,372,896,709 Total sharia receivables, net
Pinjaman syariah berdasarkan sektor ekonomi Sharia receivables by economic sector
Current Special mention Substandard Doubtful Loss Total Loans by collectibility
Jumlah Pinjaman berdasarkan
Lancar Dalam perhatian khusus Kurang lancar Diragukan Macet
kolektibilitas
Jumlah pinjaman syariah berdasarkan sektor ekonomi Total sharia receivables by economic sector
Jumlah piutang syariah, kotor 9,600,568,639 409,918,619 32,130,380 5,787,348 304,667,511 10,353,072,497 Total sharia receivables, gross
Cadangan kerugian penurunan nilai pada piutang murabahah ( 105,538 ) ( 88,545 ) ( 115,183 ) ( 713,391 ) ( 1,022,657 ) Allowance for impairment losses for murabahah receivables
Cadangan kerugian penurunan nilai pada piutang istishna Allowance for impairment losses for istishna receivables
Cadangan kerugian penurunan nilai pada piutang ijarah ( 3,117,118 ) ( 758,722 ) ( 331,063 ) ( 976,333 ) ( 5,183,236 ) Allowance for impairment losses for ijarah receivables
Cadangan kerugian penurunan nilai pada pinjaman qardh Allowance for impairment losses for qardh funds
Cadangan kerugian penurunan nilai pada pembiayaan mudharabah ( 8,130,379 ) ( 1,295,833 ) ( 9,426,212 ) Allowance for impairment losses for mudharabah financing
Cadangan kerugian penurunan nilai pada pembiayaan musyarakah ( 83,232,164 ) ( 2,634,261 ) ( 1,379,719 ) ( 525,419 ) ( 140,482,651 ) ( 228,254,214 ) Allowance for impairment losses for musyarakah financing
Jumlah piutang syariah, bersih 9,509,100,558 402,782,862 29,991,939 4,815,683 162,495,136 10,109,186,178 Total sharia receivables, net
Page 22
[4614100] Notes to the financial statements - Loans and Sharia receivables - Other Information - Financial and Sharia Industry
Informasi penting lainnya Loans other information
2023-12-31 2022-12-31
Informasi penting lainnya Loans other information
Tingkat suku bunga rata-rata (yield) dan kisaran bagi hasil per tahun Annual average yield rate and indicative profit sharing
Tingkat suku bunga rata-rata per tahun Annual yield rate
Tingkat suku bunga rata-rata per tahun rupiah Annual yield rate of rupiah loans
Tingkat suku bunga rata-rata per tahun mata uang asing Annual yield rate of foreign currencies loans
Kisaran bagi hasil per tahun Annual indicative profit sharing
Kisaran bagi hasil per tahun piutang murabahan dan istishna Indicative profit sharing of murabahah and istishna receivables
Kisaran bagi hasil per tahun pembiayaan musyarakah Indicative profit sharing of musyarakah financing
Kisaran bagi hasil per tahun pembiayaan syariah lainnya Indicative profit sharing of other sharia financing
Cadangan kerugian penurunan nilai Movement of allowance for impairment losses on loans
Cadangan kerugian penurunan nilai, awal periode Allowance for impairment of losses, beginning period
Pembentukan selama tahun berjalan Provision during the year of allowance for impairment losses on loans
Penghapusbukuan Writing off of allowance for impairment losses on loans
Pemulihan pinjaman yang telah dihapusbukukan Recoveries of written-off of allowance for impairment losses on loans
Cadangan lain-lain Others allowance for impairment losses on loans
Dampak selisih akibat perbedaan kurs terhadap cadangan kerugian penurunan nilai pinjaman diberikan Foreign exchange translation impact on allowance for impairment losses on loans
Cadangan kerugian penurunan nilai, akhir periode Allowance for impairment of losses, ending period
Rasio pinjaman Loan ratios
Non-performing financing - gross Non-performing financing - gross
Non-performing financing - net Non-performing financing - net
Page 23
[4614200] Notes to the financial statements - Sharia receivables - Other Information - Financial and Sharia Industry
Informasi penting lainnya syariah Sharia other information
2023-12-31 2022-12-31
Informasi penting lainnya syariah Sharia other information
Kisaran bagi hasil per tahun Annual indicative profit sharing
Kisaran bagi hasil per tahun piutang murabahan dan istishna Indicative profit sharing of murabahah and istishna receivables
Kisaran bagi hasil per tahun pembiayaan musyarakah Indicative profit sharing of musyarakah financing
Kisaran bagi hasil per tahun pembiayaan syariah lainnya Indicative profit sharing of other sharia financing
Cadangan kerugian penurunan nilai Movement of Allowance for Impairment Losses on Sharia Receivables
Cadangan kerugian penurunan nilai pada pinjaman syariah yang diberikan, awal periode ( 243,886,319 ) ( 238,559,511 ) Allowance for Impairment Losses for Sharia Receivables, beginning period
Pembentukan selama tahun berjalan 46,179 ( 5,326,808 ) Provision during the Year of Allowance for Impairment Losses on Sharia Receivables
Penghapusbukuan Writing Off of Allowance for Impairment Losses on Sharia Receivables
Pemulihan pinjaman yang telah dihapusbukukan Recoveries of Written Off of Allowance for Impairment Losses on Sharia Receivables
Cadangan lain-lain Others Allowance for Impairment Losses on Sharia Receivables
Dampak selisih akibat perbedaan kurs terhadap cadangan kerugian penurunan nilai pinjaman diberikan Foreign Exchange Translation Impact on Allowance for Impairment Losses on Sharia Receivables
Cadangan kerugian penurunan nilai pada pinjaman syariah yang diberikan, akhir periode ( 243,840,140 ) ( 243,886,319 ) Allowance for Impairment Losses for Sharia Receivables, ending period
Rasio pinjaman Loan ratios
Non-performing financing - gross Non-performing financing - gross
Non-performing financing - net Non-performing financing - net
Page 24
[4621100_BD] Notes to the financial statements - Current Accounts and Wadiah Demand deposits (breakdown) - Financial and Sharia Industry
2023-12-31
Giro dan giro wadiah Current accounts and wadiah demand deposits Giro dan giro wadiah Current accounts and wadiah demand deposits
Giro Pihak berelasi Rupiah Rupiah Related parties Current accounts Giro Pihak berelasi Rupiah Rupiah Related parties Current accounts
Mata uang asing Foreign currencies Mata uang asing Foreign currencies
Subjumlah Seluruh Mata Uang Subtotal on all Currencies Subjumlah Seluruh Mata Uang Subtotal on all Currencies
Pihak ketiga Rupiah Rupiah Third parties Pihak ketiga Rupiah Rupiah Third parties
Mata uang asing Foreign currencies Mata uang asing Foreign currencies
Subjumlah Seluruh Mata Uang Subtotal on all Currencies Subjumlah Seluruh Mata Uang Subtotal on all Currencies
Giro wadiah Pihak berelasi Rupiah 10,191,892 Rupiah Related parties Wadiah demand deposits Giro wadiah Pihak berelasi Rupiah 14,109,385 Rupiah Related parties Wadiah demand deposits
Mata uang asing Foreign currencies Mata uang asing Foreign currencies
Subjumlah Seluruh Mata Uang 10,191,892 Subtotal on all Currencies Subjumlah Seluruh Mata Uang 14,109,385 Subtotal on all Currencies
Pihak ketiga Rupiah 309,924,231 Rupiah Third parties Pihak ketiga Rupiah 248,127,839 Rupiah Third parties
Mata uang asing 3,079,662 Foreign currencies Mata uang asing 3,113,764 Foreign currencies
Subjumlah Seluruh Mata Uang 313,003,893 Subtotal on all Currencies Subjumlah Seluruh Mata Uang 251,241,603 Subtotal on all Currencies
2023-12-31
Giro dan giro wadiah Current accounts and wadiah demand deposits Giro dan giro wadiah Current accounts and wadiah demand deposits
Giro Subjumlah Seluruh Pihak Subjumlah Seluruh Mata Uang Subtotal on all Currencies Subtotal on all Parties Current accounts Giro Subjumlah Seluruh Pihak Subjumlah Seluruh Mata Uang Subtotal on all Currencies Subtotal on all Parties Current accounts
Giro wadiah Subjumlah Seluruh Pihak Subjumlah Seluruh Mata Uang 323,195,785 Subtotal on all Currencies Subtotal on all Parties Wadiah demand deposits Giro wadiah Subjumlah Seluruh Pihak Subjumlah Seluruh Mata Uang 265,350,988 Subtotal on all Currencies Subtotal on all Parties Wadiah demand deposits
Page 25
[4622100_BD] Notes to the financial statements - Savings Deposits and Wadiah Savings Deposits (breakdown) - Financial and Sharia Industry
2023-12-31
Tabungan dan tabungan wadiah Savings deposits and wadiah savings deposits Tabungan dan tabungan wadiah Savings deposits and wadiah savings deposits
Tabungan Pihak berelasi Rupiah Rupiah Related parties Savings deposits Tabungan Pihak berelasi Rupiah Rupiah Related parties Savings deposits
Mata uang asing Foreign currencies Mata uang asing Foreign currencies
Subjumlah Seluruh Mata Uang Subtotal on all Currencies Subjumlah Seluruh Mata Uang Subtotal on all Currencies
Pihak ketiga Rupiah Rupiah Third parties Pihak ketiga Rupiah Rupiah Third parties
Mata uang asing Foreign currencies Mata uang asing Foreign currencies
Subjumlah Seluruh Mata Uang Subtotal on all Currencies Subjumlah Seluruh Mata Uang Subtotal on all Currencies
Tabungan wadiah Pihak berelasi Rupiah 1,137,685 Rupiah Related parties Wadiah savings deposits Tabungan wadiah Pihak berelasi Rupiah 592,342 Rupiah Related parties Wadiah savings deposits
Mata uang asing Foreign currencies Mata uang asing Foreign currencies
Subjumlah Seluruh Mata Uang 1,137,685 Subtotal on all Currencies Subjumlah Seluruh Mata Uang 592,342 Subtotal on all Currencies
Pihak ketiga Rupiah 2,227,582,455 Rupiah Third parties Pihak ketiga Rupiah 1,223,771,093 Rupiah Third parties
Mata uang asing Foreign currencies Mata uang asing Foreign currencies
Subjumlah Seluruh Mata Uang 2,227,582,455 Subtotal on all Currencies Subjumlah Seluruh Mata Uang 1,223,771,093 Subtotal on all Currencies
2023-12-31
Tabungan dan tabungan wadiah Savings deposits and wadiah savings deposits Tabungan dan tabungan wadiah Savings deposits and wadiah savings deposits
Tabungan Subjumlah Seluruh Pihak Subjumlah Seluruh Mata Uang Subtotal on all Currencies Subtotal on all Parties Savings deposits Tabungan Subjumlah Seluruh Pihak Subjumlah Seluruh Mata Uang Subtotal on all Currencies Subtotal on all Parties Savings deposits
Tabungan wadiah Subjumlah Seluruh Pihak Subjumlah Seluruh Mata Uang 2,228,720,140 Subtotal on all Currencies Subtotal on all Parties Wadiah savings deposits Tabungan wadiah Subjumlah Seluruh Pihak Subjumlah Seluruh Mata Uang 1,224,363,435 Subtotal on all Currencies Subtotal on all Parties Wadiah savings deposits
Page 26
[4623100_BD] Notes to the financial statements - Time deposits and Wakalah deposits (breakdown) - Financial and Sharia Industry
2023-12-31
Deposito berjangka dan deposito wakalah Time deposits and wakalah deposits Deposito berjangka dan deposito wakalah Time deposits and wakalah deposits
Deposito berjangka Pihak berelasi Rupiah Rupiah Related parties Time deposits Deposito berjangka Pihak berelasi Rupiah Rupiah Related parties Time deposits
Mata uang asing Foreign currencies Mata uang asing Foreign currencies
Subjumlah Seluruh Mata Uang Subtotal on all Currencies Subjumlah Seluruh Mata Uang Subtotal on all Currencies
Pihak ketiga Rupiah Rupiah Third parties Pihak ketiga Rupiah Rupiah Third parties
Mata uang asing Foreign currencies Mata uang asing Foreign currencies
Subjumlah Seluruh Mata Uang Subtotal on all Currencies Subjumlah Seluruh Mata Uang Subtotal on all Currencies
Deposito wakalah Pihak berelasi Rupiah Rupiah Related parties Wakalah deposits Deposito wakalah Pihak berelasi Rupiah Rupiah Related parties Wakalah deposits
Mata uang asing Foreign currencies Mata uang asing Foreign currencies
Subjumlah Seluruh Mata Uang Subtotal on all Currencies Subjumlah Seluruh Mata Uang Subtotal on all Currencies
Pihak ketiga Rupiah Rupiah Third parties Pihak ketiga Rupiah Rupiah Third parties
Mata uang asing Foreign currencies Mata uang asing Foreign currencies
Subjumlah Seluruh Mata Uang Subtotal on all Currencies Subjumlah Seluruh Mata Uang Subtotal on all Currencies
2023-12-31
Deposito berjangka dan deposito wakalah Time deposits and wakalah deposits Deposito berjangka dan deposito wakalah Time deposits and wakalah deposits
Deposito berjangka Subjumlah Seluruh Pihak Subjumlah Seluruh Mata Uang Subtotal on all Currencies Subtotal on all Parties Time deposits Deposito berjangka Subjumlah Seluruh Pihak Subjumlah Seluruh Mata Uang Subtotal on all Currencies Subtotal on all Parties Time deposits
Deposito wakalah Subjumlah Seluruh Pihak Subjumlah Seluruh Mata Uang Subtotal on all Currencies Subtotal on all Parties Wakalah deposits Deposito wakalah Subjumlah Seluruh Pihak Subjumlah Seluruh Mata Uang Subtotal on all Currencies Subtotal on all Parties Wakalah deposits
Page 27
[4624100] Notes to the financial statements - Annual average interest rate Third Party Funds - Financial and Sharia Industry
2023-12-31
Tingkat bunga rata-rata per tahun dana pihak ketiga Annual average interest rate third party funds Tingkat bunga rata-rata per tahun dana pihak ketiga Annual average interest rate third party funds
Tingkat bunga giro Rupiah Rupiah Current accounts interest rate Tingkat bunga giro Rupiah Rupiah Current accounts interest rate
Mata uang asing Foreign currencies Mata uang asing Foreign currencies
Subjumlah Seluruh Mata Uang Subtotal on all Currencies Subjumlah Seluruh Mata Uang Subtotal on all Currencies
Imbal hasil giro wadiah Rupiah 0.80 Rupiah Wadiah demand deposits return Imbal hasil giro wadiah Rupiah 0.39 Rupiah Wadiah demand deposits return
Mata uang asing Foreign currencies Mata uang asing Foreign currencies
Subjumlah Seluruh Mata Uang Subtotal on all Currencies Subjumlah Seluruh Mata Uang Subtotal on all Currencies
Tingkat bunga tabungan Rupiah Rupiah Savings deposits interest rate Tingkat bunga tabungan Rupiah Rupiah Savings deposits interest rate
Mata uang asing Foreign currencies Mata uang asing Foreign currencies
Subjumlah Seluruh Mata Uang Subtotal on all Currencies Subjumlah Seluruh Mata Uang Subtotal on all Currencies
Imbal hasil tabungan wadiah Rupiah 5.02 Rupiah Wadiah savings deposits return Imbal hasil tabungan wadiah Rupiah 3.30 Rupiah Wadiah savings deposits return
Mata uang asing Foreign currencies Mata uang asing Foreign currencies
Subjumlah Seluruh Mata Uang Subtotal on all Currencies Subjumlah Seluruh Mata Uang Subtotal on all Currencies
Tingkat bunga deposito berjangka Rupiah Rupiah Time deposits interest rate Tingkat bunga deposito berjangka Rupiah Rupiah Time deposits interest rate
Mata uang asing Foreign currencies Mata uang asing Foreign currencies
Subjumlah Seluruh Mata Uang Subtotal on all Currencies Subjumlah Seluruh Mata Uang Subtotal on all Currencies
Imbal hasil deposito wakalah Rupiah Rupiah Wakalah deposits return Imbal hasil deposito wakalah Rupiah Rupiah Wakalah deposits return
Mata uang asing Foreign currencies Mata uang asing Foreign currencies
Subjumlah Seluruh Mata Uang Subtotal on all Currencies Subjumlah Seluruh Mata Uang Subtotal on all Currencies
Page 28
[4625100_BD] Notes to the financial statements - Temporary syirkah funds (breakdown) - Financial and Sharia Industry
2023-12-31
Dana syirkah temporer Temporary syirkah funds Dana syirkah temporer Temporary syirkah funds
Jumlah Giro mudharabah Pihak berelasi Rupiah Rupiah Related parties Total Mudharabah demand deposits Jumlah Giro mudharabah Pihak berelasi Rupiah Rupiah Related parties Total Mudharabah demand deposits
Mata uang asing Foreign currencies Mata uang asing Foreign currencies
Subjumlah Seluruh Mata Uang Subtotal on all Currencies Subjumlah Seluruh Mata Uang Subtotal on all Currencies
Pihak ketiga Rupiah Rupiah Third parties Pihak ketiga Rupiah Rupiah Third parties
Mata uang asing Foreign currencies Mata uang asing Foreign currencies
Subjumlah Seluruh Mata Uang Subtotal on all Currencies Subjumlah Seluruh Mata Uang Subtotal on all Currencies
Jumlah Tabungan mudharabah Pihak berelasi Rupiah 4,687,050 Rupiah Related parties Total Mudharabah savings deposits Jumlah Tabungan mudharabah Pihak berelasi Rupiah 2,659,901 Rupiah Related parties Total Mudharabah savings deposits
Mata uang asing Foreign currencies Mata uang asing Foreign currencies
Subjumlah Seluruh Mata Uang 4,687,050 Subtotal on all Currencies Subjumlah Seluruh Mata Uang 2,659,901 Subtotal on all Currencies
Pihak ketiga Rupiah 387,521,975 Rupiah Third parties Pihak ketiga Rupiah 275,449,187 Rupiah Third parties
Mata uang asing Foreign currencies Mata uang asing Foreign currencies
Subjumlah Seluruh Mata Uang 387,521,975 Subtotal on all Currencies Subjumlah Seluruh Mata Uang 275,449,187 Subtotal on all Currencies
Jumlah Deposito berjangka mudharabah Pihak berelasi Rupiah 17,328,757 Rupiah Related parties Total Mudharabah time deposits Jumlah Deposito berjangka mudharabah Pihak berelasi Rupiah 7,538,460 Rupiah Related parties Total Mudharabah time deposits
Mata uang asing Foreign currencies Mata uang asing Foreign currencies
Subjumlah Seluruh Mata Uang 17,328,757 Subtotal on all Currencies Subjumlah Seluruh Mata Uang 7,538,460 Subtotal on all Currencies
Pihak ketiga Rupiah 9,720,443,613 Rupiah Third parties Pihak ketiga Rupiah 8,876,355,077 Rupiah Third parties
Mata uang asing 786,448 Foreign currencies Mata uang asing 2,470,768 Foreign currencies
Subjumlah Seluruh Mata Uang 9,721,230,061 Subtotal on all Currencies Subjumlah Seluruh Mata Uang 8,878,825,845 Subtotal on all Currencies
2023-12-31
Dana syirkah temporer Temporary syirkah funds Dana syirkah temporer Temporary syirkah funds
Jumlah Giro mudharabah Subjumlah Seluruh Pihak Subjumlah Seluruh Mata Uang Subtotal on all Currencies Subtotal on all Parties Total Mudharabah demand deposits Jumlah Giro mudharabah Subjumlah Seluruh Pihak Subjumlah Seluruh Mata Uang Subtotal on all Currencies Subtotal on all Parties Total Mudharabah demand deposits
Jumlah Tabungan mudharabah Subjumlah Seluruh Pihak Subjumlah Seluruh Mata Uang 392,209,025 Subtotal on all Currencies Subtotal on all Parties Total Mudharabah savings deposits Jumlah Tabungan mudharabah Subjumlah Seluruh Pihak Subjumlah Seluruh Mata Uang 278,109,088 Subtotal on all Currencies Subtotal on all Parties Total Mudharabah savings deposits
Jumlah Deposito berjangka mudharabah Subjumlah Seluruh Pihak Subjumlah Seluruh Mata Uang 9,738,558,818 Subtotal on all Currencies Subtotal on all Parties Total Mudharabah time deposits Jumlah Deposito berjangka mudharabah Subjumlah Seluruh Pihak Subjumlah Seluruh Mata Uang 8,886,364,305 Subtotal on all Currencies Subtotal on all Parties Total Mudharabah time deposits
Page 29
[4626100] Notes to the financial statements - Annual average interest rate Temporary Syirkah Fund - Financial and Sharia Industry
2023-12-31
Tingkat bagi hasil rata-rata per tahun dana syirkah temporer Annual average interest rate temporary syirkah funds Tingkat bagi hasil rata-rata per tahun dana syirkah temporer Annual average interest rate temporary syirkah funds
Tingkat bagi hasil giro mudharabah Rupiah Rupiah Mudharabah demand deposits interest rate Tingkat bagi hasil giro mudharabah Rupiah Rupiah Mudharabah demand deposits interest rate
Mata uang asing Foreign currencies Mata uang asing Foreign currencies
Subjumlah Seluruh Mata Uang Subtotal on all Currencies Subjumlah Seluruh Mata Uang Subtotal on all Currencies
Tingkat bagi hasil tabungan mudharabah Rupiah 3.15 Rupiah Mudharabah savings deposits interest rate Tingkat bagi hasil tabungan mudharabah Rupiah 2.36 Rupiah Mudharabah savings deposits interest rate
Mata uang asing Foreign currencies Mata uang asing Foreign currencies
Subjumlah Seluruh Mata Uang Subtotal on all Currencies Subjumlah Seluruh Mata Uang Subtotal on all Currencies
Tingkat bagi hasil deposito berjangka mudharabah Rupiah 5.70 Rupiah Mudharabah time deposits interest rate Tingkat bagi hasil deposito berjangka mudharabah Rupiah 3.79 Rupiah Mudharabah time deposits interest rate
Mata uang asing 2.25 Foreign currencies Mata uang asing 1.13 Foreign currencies
Subjumlah Seluruh Mata Uang Subtotal on all Currencies Subjumlah Seluruh Mata Uang Subtotal on all Currencies
Page 30
[4631100] Notes to the financial statements - Interest and Sharia Income - Financial and Sharia Industry
Pendapatan bunga dan syariah Interest and sharia income
2023-12-31 2022-12-31
Pendapatan bunga dan syariah Interest and sharia income
Pendapatan bunga Interest income
Kredit yang diberikan Loans interest income
Obligasi pemerintah Government bonds interest income
Pendapatan pembiayaan konsumen Consumer financing receivables - net interest income
Efek-efek Marketable securities income
Penempatan pada Bank Indonesia dan bank lain Placements with Bank Indonesia and other banks income
Lain-lain Other interest income
Subjumlah pendapatan bunga Subtotal interest income
Pendapatan syariah dan pendapatan pengelolaan dana oleh bank sebagai mudharib Sharia income
Pendapatan keuntungan murabahah dan pendapatan bersih istishna 7,773,417 7,929,388 Murabahah and istishna income
Pendapatan bagi hasil musyarakah 750,626,090 618,457,411 Musyrakah profit sharing
Pendapatan bagi hasil mudharabah 100,397,970 46,797,693 Mudharabah profit sharing
Pendapatan ujrah dari pinjaman qardh Ujrah income from qardh financing
Pendapatan bersih ijarah 77,706,545 63,080,668 Ijarah income
Lain-lain 183,703,866 206,230,442 Other sharia income
Subjumlah pendapatan syariah dan pendapatan pengelolaan dana oleh bank sebagai mudharib 1,120,207,888 942,495,602 Subtotal sharia income
Jumlah pendapatan bunga dan syariah 1,120,207,888 942,495,602 Total interest and sharia income
Page 31
[4632100] Notes to the financial statements - Interest and Sharia Expense - Financial and Sharia Industry
Beban bunga dan syariah Interest and sharia expense
2023-12-31 2022-12-31
Beban bunga dan syariah Interest and sharia expense
Beban bunga Interest expense
Deposito berjangka Time deposits interest expense
Tabungan Saving deposits interest expense
Pinjaman yang diterima Borrowings interest expense
Premi penjaminan dana pihak ketiga Premium on third party fund guarantees
Giro Current accounts interest expense
Efek-efek yang diterbitkan Securities issued interest expense
Pinjaman dan efek-efek subordinasi Subordinated securities interest expense
Lain-lain Others interest expense interest expense
Subjumlah beban bunga Subtotal interest expense
Beban syariah dan hak pihak ketiga atas bagi hasil dana syirkah temporer Sharia expense
Beban deposito mudharabah 595,398,373 310,029,409 Mudharabah deposits expense
Beban tabungan mudharabah 15,297,708 15,105,567 Mudharabah savings expense
Beban giro mudharabah Mudharabah demand deposits expense
Beban pinjamam mudharabah Mudharabah financing expense
Beban investasi terikat Related investment expense
Musytarakah - mudharabah musytarakah Musytarakah - mudharabah musytarakah expense
Sertifikat investasi mudharabah antarbank 27,779,458 65,481,994 Mudharabah investment certificate expense
Sukuk Sukuk expense
Piutang murabahah Murabahah receivables expense
Pinjaman qardh Qardh fund expense
Lain-lain 11,649,701 5,593,538 Other sharia expense
Subjumlah beban syariah dan hak pihak ketiga atas bagi hasil dana syirkah temporer 650,125,240 396,210,508 Subtotal sharia expense
Jumlah beban bunga dan syariah 650,125,240 396,210,508 Total interest and sharia expense
Page 32
[4634000a] Notes to the financial statements - Bonds Payable - Financial and Sharia Industry
Catatan untuk utang obligasi Notes for bonds payable
Utang obligasi, nilai dalam mata uang
Nama obligasi Mata uang Jumlah obligasi, kotor Jatuh tempo obligasi Bunga Jenis bunga
asing
Bonds payable, amount in foreign
Bond name Currency Total bonds payable, gross Due date for bonds payable Interest rate Interest rate type
currency
Nama obligasi 1 Bond name 1
Nama obligasi 2 Bond name 2
Nama obligasi 3 Bond name 3
Nama obligasi 4 Bond name 4
Nama obligasi 5 Bond name 5
Nama obligasi 6 Bond name 6
Nama obligasi 7 Bond name 7
Nama obligasi 8 Bond name 8
Nama obligasi 9 Bond name 9
Nama obligasi 10 Bond name 10
Obligasi lainnya Other bonds
Nama obligasi Bond name
Catatan untuk utang obligasi Notes for bonds payable
Utang obligasi, nilai dalam mata uang
Nama obligasi Mata uang Jumlah obligasi, kotor Jatuh tempo obligasi Bunga Jenis bunga
asing
Bonds payable, amount in foreign
Bond name Currency Total bonds payable, gross Due date for bonds payable Interest rate Interest rate type
currency
Nama obligasi 1 Bond name 1
Nama obligasi 2 Bond name 2
Nama obligasi 3 Bond name 3
Nama obligasi 4 Bond name 4
Nama obligasi 5 Bond name 5
Nama obligasi 6 Bond name 6
Nama obligasi 7 Bond name 7
Nama obligasi 8 Bond name 8
Nama obligasi 9 Bond name 9
Nama obligasi 10 Bond name 10
Obligasi lainnya Other bonds
Nama obligasi Bond name
Catatan untuk utang obligasi Notes for bonds payable
2023-12-31 2022-12-31
Catatan untuk utang obligasi Notes for bonds payable
Jumlah obligasi, kotor Total bonds payable, gross
Biaya penerbitan obligasi yang belum diamortisasi Unamortized bond issuance cost
Jumlah utang obligasi, bersih Total bonds payable, net
Liabilitas jangka panjang yang jatuh tempo dalam satu tahun atas utang obligasi Current maturities of bonds payable
Liabilitas jangka panjang atas utang obligasi Long-term bonds payable
Page 33
[4644000a] Notes to the financial statements - Sukuk - Financial and Sharia Industry
Catatan untuk sukuk Notes for sukuk
Nama sukuk Mata uang Sukuk, nilai dalam mata uang asing Jumlah sukuk, kotor Jatuh tempo sukuk Imbal hasil Jenis imbal hasil
Sukuk, amount in foreign
Sukuk name Currency Total sukuk, gross Due date for sukuk Profit sharing rate Profit sharing type
currency
Nama sukuk 1 Sukuk name 1
Nama sukuk 2 Sukuk name 2
Nama sukuk 3 Sukuk name 3
Nama sukuk 4 Sukuk name 4
Nama sukuk 5 Sukuk name 5
Nama sukuk 6 Sukuk name 6
Nama sukuk 7 Sukuk name 7
Nama sukuk 8 Sukuk name 8
Nama sukuk 9 Sukuk name 9
Nama sukuk 10 Sukuk name 10
Sukuk lainnya Other sukuk name
Nama sukuk Sukuk name
Catatan untuk sukuk Notes for sukuk
Nama sukuk Mata uang Sukuk, nilai dalam mata uang asing Jumlah sukuk, kotor Jatuh tempo sukuk Imbal hasil Jenis imbal hasil
Sukuk, amount in foreign
Sukuk name Currency Total sukuk, gross Due date for sukuk Profit sharing rate Profit sharing type
currency
Nama sukuk 1 Sukuk name 1
Nama sukuk 2 Sukuk name 2
Nama sukuk 3 Sukuk name 3
Nama sukuk 4 Sukuk name 4
Nama sukuk 5 Sukuk name 5
Nama sukuk 6 Sukuk name 6
Nama sukuk 7 Sukuk name 7
Nama sukuk 8 Sukuk name 8
Nama sukuk 9 Sukuk name 9
Nama sukuk 10 Sukuk name 10
Sukuk lainnya Other sukuk name
Nama sukuk Sukuk name
Catatan untuk sukuk Notes for sukuk
2023-12-31 2022-12-31
Catatan untuk sukuk Notes for sukuk
Jumlah sukuk, kotor Total sukuk, gross
Biaya penerbitan sukuk yang belum diamortisasi Unamortized sukuk issuance cost
Jumlah sukuk, bersih Total sukuk, net
Liabilitas jangka panjang yang jatuh tempo dalam satu tahun atas sukuk Current maturities of sukuk
Liabilitas jangka panjang atas sukuk Long-term sukuk
Page 34
[4695000_BD] Notes to the financial statements - Borrowings, by creditor, by currency (breakdown) - Financial and Sharia Industry
2023-12-31
Catatan pinjaman Notes for borrowings Catatan pinjaman Notes for borrowings
Catatan pinjaman [baris komponen] Catatan pinjaman [baris komponen]
Pinjaman dalam mata uang asing Pinjaman Pinjaman dalam mata uang asing Pinjaman
Bank Central Asia Tbk IDR Bank Central Asia Tbk IDR Bank Central Asia Tbk IDR Bank Central Asia Tbk IDR
AUD AUD AUD AUD
CAD CAD CAD CAD
CNY CNY CNY CNY
EUR EUR EUR EUR
HKD HKD HKD HKD
GBP GBP GBP GBP
JPY JPY JPY JPY
SGD SGD SGD SGD
THB THB THB THB
USD USD USD USD
Mata uang lainnya Other currency Mata uang lainnya Other currency
Mata uang Currency Mata uang Currency
Bank Rakyat Indonesia (Persero) Tbk IDR Bank Rakyat Indonesia (Persero) Tbk IDR Bank Rakyat Indonesia (Persero) Tbk IDR Bank Rakyat Indonesia (Persero) Tbk IDR
AUD AUD AUD AUD
CAD CAD CAD CAD
CNY CNY CNY CNY
EUR EUR EUR EUR
HKD HKD HKD HKD
GBP GBP GBP GBP
JPY JPY JPY JPY
SGD SGD SGD SGD
THB THB THB THB
USD USD USD USD
Mata uang lainnya Other currency Mata uang lainnya Other currency
Mata uang Currency Mata uang Currency
Bank Mandiri (Persero) Tbk IDR Bank Mandiri (Persero) Tbk IDR Bank Mandiri (Persero) Tbk IDR Bank Mandiri (Persero) Tbk IDR
AUD AUD AUD AUD
CAD CAD CAD CAD
CNY CNY CNY CNY
EUR EUR EUR EUR
HKD HKD HKD HKD
GBP GBP GBP GBP
JPY JPY JPY JPY
SGD SGD SGD SGD
THB THB THB THB
USD USD USD USD
Mata uang lainnya Other currency Mata uang lainnya Other currency
Mata uang Currency Mata uang Currency
Bank Syariah Indonesia Tbk IDR Bank Syariah Indonesia Tbk IDR Bank Syariah Indonesia Tbk IDR Bank Syariah Indonesia Tbk IDR
AUD AUD AUD AUD
CAD CAD CAD CAD
CNY CNY CNY CNY
EUR EUR EUR EUR
HKD HKD HKD HKD
GBP GBP GBP GBP
JPY JPY JPY JPY
SGD SGD SGD SGD
THB THB THB THB
USD USD USD USD
Mata uang lainnya Other currency Mata uang lainnya Other currency
Mata uang Currency Mata uang Currency
Bank Negara Indonesia (Persero) Tbk IDR Bank Negara Indonesia (Persero) Tbk IDR Bank Negara Indonesia (Persero) Tbk IDR Bank Negara Indonesia (Persero) Tbk IDR
AUD AUD AUD AUD
CAD CAD CAD CAD
CNY CNY CNY CNY
EUR EUR EUR EUR
HKD HKD HKD HKD
GBP GBP GBP GBP
JPY JPY JPY JPY
SGD SGD SGD SGD
THB THB THB THB
USD USD USD USD
Mata uang lainnya Other currency Mata uang lainnya Other currency
Mata uang Currency Mata uang Currency
Bank Jago Tbk IDR Bank Jago Tbk IDR Bank Jago Tbk IDR Bank Jago Tbk IDR
AUD AUD AUD AUD
CAD CAD CAD CAD
CNY CNY CNY CNY
EUR EUR EUR EUR
HKD HKD HKD HKD
GBP GBP GBP GBP
JPY JPY JPY JPY
SGD SGD SGD SGD
THB THB THB THB
USD USD USD USD
Mata uang lainnya Other currency Mata uang lainnya Other currency
Mata uang Currency Mata uang Currency
Bank Permata Tbk IDR Bank Permata Tbk IDR Bank Permata Tbk IDR Bank Permata Tbk IDR
AUD AUD AUD AUD
CAD CAD CAD CAD
CNY CNY CNY CNY
EUR EUR EUR EUR
HKD HKD HKD HKD
GBP GBP GBP GBP
JPY JPY JPY JPY
SGD SGD SGD SGD
THB THB THB THB
USD USD USD USD
Mata uang lainnya Other currency Mata uang lainnya Other currency
Mata uang Currency Mata uang Currency
Bank Mega Tbk IDR Bank Mega Tbk IDR Bank Mega Tbk IDR Bank Mega Tbk IDR
AUD AUD AUD AUD
CAD CAD CAD CAD
CNY CNY CNY CNY
EUR EUR EUR EUR
HKD HKD HKD HKD
GBP GBP GBP GBP
JPY JPY JPY JPY
SGD SGD SGD SGD
THB THB THB THB
USD USD USD USD
Mata uang lainnya Other currency Mata uang lainnya Other currency
Mata uang Currency Mata uang Currency
Bank Mayapada Internasional Tbk IDR Bank Mayapada Internasional Tbk IDR Bank Mayapada Internasional Tbk IDR Bank Mayapada Internasional Tbk IDR
AUD AUD AUD AUD
CAD CAD CAD CAD
CNY CNY CNY CNY
EUR EUR EUR EUR
HKD HKD HKD HKD
GBP GBP GBP GBP
JPY JPY JPY JPY
SGD SGD SGD SGD
THB THB THB THB
USD USD USD USD
Mata uang lainnya Other currency Mata uang lainnya Other currency
Mata uang Currency Mata uang Currency
Bank Danamon Indonesia Tbk IDR Bank Danamon Indonesia Tbk IDR Bank Danamon Indonesia Tbk IDR Bank Danamon Indonesia Tbk IDR
AUD AUD AUD AUD
CAD CAD CAD CAD
CNY CNY CNY CNY
EUR EUR EUR EUR
HKD HKD HKD HKD
GBP GBP GBP GBP
JPY JPY JPY JPY
Page 35
SGD SGD SGD SGD
THB THB THB THB
USD USD USD USD
Mata uang lainnya Other currency Mata uang lainnya Other currency
Mata uang Currency Mata uang Currency
Bank BTPN Syariah Tbk IDR Bank BTPN Syariah Tbk IDR Bank BTPN Syariah Tbk IDR Bank BTPN Syariah Tbk IDR
AUD AUD AUD AUD
CAD CAD CAD CAD
CNY CNY CNY CNY
EUR EUR EUR EUR
HKD HKD HKD HKD
GBP GBP GBP GBP
JPY JPY JPY JPY
SGD SGD SGD SGD
THB THB THB THB
USD USD USD USD
Mata uang lainnya Other currency Mata uang lainnya Other currency
Mata uang Currency Mata uang Currency
Bank Maybank Indonesia Tbk IDR Bank Maybank Indonesia Tbk IDR Bank Maybank Indonesia Tbk IDR Bank Maybank Indonesia Tbk IDR
AUD AUD AUD AUD
CAD CAD CAD CAD
CNY CNY CNY CNY
EUR EUR EUR EUR
HKD HKD HKD HKD
GBP GBP GBP GBP
JPY JPY JPY JPY
SGD SGD SGD SGD
THB THB THB THB
USD USD USD USD
Mata uang lainnya Other currency Mata uang lainnya Other currency
Mata uang Currency Mata uang Currency
Bank Pan Indonesia Tbk IDR Bank Pan Indonesia Tbk IDR Bank Pan Indonesia Tbk IDR Bank Pan Indonesia Tbk IDR
AUD AUD AUD AUD
CAD CAD CAD CAD
CNY CNY CNY CNY
EUR EUR EUR EUR
HKD HKD HKD HKD
GBP GBP GBP GBP
JPY JPY JPY JPY
SGD SGD SGD SGD
THB THB THB THB
USD USD USD USD
Mata uang lainnya Other currency Mata uang lainnya Other currency
Mata uang Currency Mata uang Currency
Bank Cimb Niaga Tbk IDR Bank Cimb Niaga Tbk IDR Bank Cimb Niaga Tbk IDR Bank Cimb Niaga Tbk IDR
AUD AUD AUD AUD
CAD CAD CAD CAD
CNY CNY CNY CNY
EUR EUR EUR EUR
HKD HKD HKD HKD
GBP GBP GBP GBP
JPY JPY JPY JPY
SGD SGD SGD SGD
THB THB THB THB
USD USD USD USD
Mata uang lainnya Other currency Mata uang lainnya Other currency
Mata uang Currency Mata uang Currency
Bank Rakyat Indonesia Agroniaga Tbk IDR Bank Rakyat Indonesia Agroniaga Tbk IDR Bank Rakyat Indonesia Agroniaga Tbk IDR Bank Rakyat Indonesia Agroniaga Tbk IDR
AUD AUD AUD AUD
CAD CAD CAD CAD
CNY CNY CNY CNY
EUR EUR EUR EUR
HKD HKD HKD HKD
GBP GBP GBP GBP
JPY JPY JPY JPY
SGD SGD SGD SGD
THB THB THB THB
USD USD USD USD
Mata uang lainnya Other currency Mata uang lainnya Other currency
Mata uang Currency Mata uang Currency
Bank Btpn Tbk IDR Bank Btpn Tbk IDR Bank Btpn Tbk IDR Bank Btpn Tbk IDR
AUD AUD AUD AUD
CAD CAD CAD CAD
CNY CNY CNY CNY
EUR EUR EUR EUR
HKD HKD HKD HKD
GBP GBP GBP GBP
JPY JPY JPY JPY
SGD SGD SGD SGD
THB THB THB THB
USD USD USD USD
Mata uang lainnya Other currency Mata uang lainnya Other currency
Mata uang Currency Mata uang Currency
Bank Tabungan Negara (Persero) Tbk IDR Bank Tabungan Negara (Persero) Tbk IDR Bank Tabungan Negara (Persero) Tbk IDR Bank Tabungan Negara (Persero) Tbk IDR
AUD AUD AUD AUD
CAD CAD CAD CAD
CNY CNY CNY CNY
EUR EUR EUR EUR
HKD HKD HKD HKD
GBP GBP GBP GBP
JPY JPY JPY JPY
SGD SGD SGD SGD
THB THB THB THB
USD USD USD USD
Mata uang lainnya Other currency Mata uang lainnya Other currency
Mata uang Currency Mata uang Currency
Bank OCBC Nisp Tbk IDR Bank OCBC Nisp Tbk IDR Bank OCBC Nisp Tbk IDR Bank OCBC Nisp Tbk IDR
AUD AUD AUD AUD
CAD CAD CAD CAD
CNY CNY CNY CNY
EUR EUR EUR EUR
HKD HKD HKD HKD
GBP GBP GBP GBP
JPY JPY JPY JPY
SGD SGD SGD SGD
THB THB THB THB
USD USD USD USD
Mata uang lainnya Other currency Mata uang lainnya Other currency
Mata uang Currency Mata uang Currency
Bank KB Bukopin Tbk IDR Bank KB Bukopin Tbk IDR Bank KB Bukopin Tbk IDR Bank KB Bukopin Tbk IDR
AUD AUD AUD AUD
CAD CAD CAD CAD
CNY CNY CNY CNY
EUR EUR EUR EUR
HKD HKD HKD HKD
GBP GBP GBP GBP
JPY JPY JPY JPY
SGD SGD SGD SGD
THB THB THB THB
USD USD USD USD
Mata uang lainnya Other currency Mata uang lainnya Other currency
Mata uang Currency Mata uang Currency
Bank Pembangunan Daerah Jawa Barat dan Banten Tbk IDR Bank Pembangunan Daerah Jawa Barat dan Banten Tbk IDR Bank Pembangunan Daerah Jawa Barat dan Banten Tbk IDR Bank Pembangunan Daerah Jawa Barat dan Banten Tbk IDR
AUD AUD AUD AUD
CAD CAD CAD CAD
CNY CNY CNY CNY
EUR EUR EUR EUR
HKD HKD HKD HKD
GBP GBP GBP GBP
JPY JPY JPY JPY
SGD SGD SGD SGD
THB THB THB THB
USD USD USD USD
Mata uang lainnya Other currency Mata uang lainnya Other currency
Mata uang Currency Mata uang Currency
Pinjaman sindikasi IDR Syndicated bank loans IDR Pinjaman sindikasi IDR Syndicated bank loans IDR
Page 36
AUD AUD AUD AUD
CAD CAD CAD CAD
CNY CNY CNY CNY
EUR EUR EUR EUR
HKD HKD HKD HKD
GBP GBP GBP GBP
JPY JPY JPY JPY
SGD SGD SGD SGD
THB THB THB THB
USD USD USD USD
Mata uang lainnya Other currency Mata uang lainnya Other currency
Mata uang Currency Mata uang Currency
Bank asing lainnya IDR Other foreign banks IDR Bank asing lainnya IDR Other foreign banks IDR
AUD AUD AUD AUD
CAD CAD CAD CAD
CNY CNY CNY CNY
EUR EUR EUR EUR
HKD HKD HKD HKD
GBP GBP GBP GBP
JPY JPY JPY JPY
SGD SGD SGD SGD
THB THB THB THB
USD USD USD USD
Mata uang lainnya Other currency Mata uang lainnya Other currency
Mata uang Currency Mata uang Currency
Bank lokal lainnya IDR Other local banks IDR Bank lokal lainnya IDR Other local banks IDR
AUD AUD AUD AUD
CAD CAD CAD CAD
CNY CNY CNY CNY
EUR EUR EUR EUR
HKD HKD HKD HKD
GBP GBP GBP GBP
JPY JPY JPY JPY
SGD SGD SGD SGD
THB THB THB THB
USD USD USD USD
Mata uang lainnya Other currency Mata uang lainnya Other currency
Mata uang Currency Mata uang Currency
2023-12-31
Catatan pinjaman Notes for borrowings Catatan pinjaman Notes for borrowings
Catatan pinjaman [baris komponen] Catatan pinjaman [baris komponen]
Pinjaman dalam mata uang asing Pinjaman Pinjaman dalam mata uang asing Pinjaman
Kreditur nama bank Mata uang Creditor bank name Currency Kreditur nama bank Mata uang Creditor bank name Currency
Names mentioned 0 people and organisations named in the text · linked when the evidence is strong
The name pass has not read this document yet.
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