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Financial statement Text extracted BBRI

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Page 1
Nomor Surat                        B.329-DIR/FMA/01/2024
Nama Emiten                        PT Bank Rakyat Indonesia (Persero) Tbk
Kode Emiten                        BBRI
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 :




 No      Nama         Kegiatan          Lokasi        Tahun          Status          Jumlah Aset         Satuan        Mata     Persentase
                       Usaha                         Komersil        Operasi                                           Uang        (%)
 1    PT BRI         Perusahaan         Jakarta        2018           Aktif                1.392.007    JUTAAN         IDR         67.0
      Danareksa       Sekuritas
      Sekuritas
      (BRIDS)
 2    PT BRI           Asuransi         Jakarta        2019            Aktif               4.227.951    JUTAAN         IDR           90.0
      Asuransi
      Indonesia
      (BRI
      Insurance)
 3    PT Pegadaian   Perusahaan         Jakarta        1901            Aktif             68.243.674     JUTAAN         IDR           99.99
                     Pembiayaan
 4  PT Danareksa     Pengelolaan        Jakarta        1992            Aktif                276.250     JUTAAN         IDR           65.0
    Investment        Portofolio
    Management        Investasi
    (DIM)
  5 PT Bank Raya Perbankan              Jakarta        1990            Aktif             14.564.652     JUTAAN         IDR           86.85
    Indonesia Tbk
  6 PT             Perusahaan           Jakarta        1999            Aktif             45.490.305     JUTAAN         IDR           99.99
    Permodalan     Pembiayaan
    Nasional
    Madani
  7 BRI               Jasa            Hongkong         2005            Aktif                  15.582    JUTAAN         IDR           100.0
    Remittance      Keuangan
    Co.Limited
    (Ltd) Hong
    Kong
  8 PT. Asuransi     Asuransi           Jakarta        1987            Aktif             20.389.804     JUTAAN         IDR           54.77
    BRI Life (BRI
    Life)
  9 PT BRI         Perusahaan           Jakarta        1983            Aktif               6.442.369    JUTAAN         IDR           99.88
    Multifinance   Pembiayaan
    Indonesia
    (BRI Finance)
 10 PT BRI         Perusahaan           Jakarta        2018            Aktif               2.193.883    JUTAAN         IDR           99.97
    Ventura       Modal Ventura
    Investama
    (BRI
    Ventures)




Dokumen ini merupakan dokumen resmi PT Bank Rakyat Indonesia (Persero) Tbk yang tidak memerlukan tanda tangan karena dihasilkan secara

           elektronik. PT Bank Rakyat Indonesia (Persero) 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 Rakyat Indonesia (Persero) 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                                                                                                                                                                                           BBRI                                                                                                                                                                                                                   Entity code
   Nomor identifikasi entitas                                                                                                                                                                            AA426                                                                                                                                                                                                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                                                                                                                                                          Indonesian Government                                                                                                                                                                                 Controlling shareholder information
   Jenis entitas                                                                                                                                                                         Local Company - Indonesia Jurisdiction                                                                                                                                                                                               Type of entity
   Jenis efek yang dicatatkan                                                                                                                                                             Saham dan Obligasi / Stock and Bond                                                                                                                                                                                     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 grup / Group 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                                                                                                                                                                                                                                                                                                                                                        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                                                                                                                                                                                                                                                                             Conversion rate at reporting date if presentation currency is other than rupiah
   Pembulatan yang digunakan dalam penyajian jumlah dalam laporan keuangan                                                                                                                        Jutaan / In Million                                                                                                                                                                     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                                                                                                                                                                                 1                                                                                                                                                                                                        Total Key Audit Matters
   Paragraf Hal Audit Utama                                                                                                                                                                               4                                                                                                                                                                                                  Key Audit Matters Paragraph
   Tanggal laporan audit atau hasil laporan review                                                                                                                                                    2024-01-31                                                                                                                                                                       Date of auditor's opinion or result of review report
   Auditor tahun berjalan                                                                                                                                                                    Purwantono, Sungkoro & Surja                                                                                                                                                                                             Current year auditor
   Nama partner audit tahun berjalan                                                                                                                                                          Christophorus Alvin Kossim                                                                                                                                                                       Name of current year audit signing partner
   Lama tahun penugasan partner yang menandatangani                                                                                                                                                                                                                                                                                                                                     Number of years served as audit signing partner
   Auditor tahun sebelumnya                                                                                                                                                                 Purwantono, Sungkoro dan Surja                                                                                                                                                                                                Prior year auditor
   Nama partner audit tahun sebelumnya                                                                                                                                                        Christophorus Alvin Kossim                                                                                                                                                                          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.
Page 3
[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                                                                                                               31,603,784       27,407,478                                                                                               Cash
     Dana yang dibatasi penggunaannya                                                                                                                                                                                                Restricted funds
     Giro pada Bank Indonesia                                                                                         101,909,121      150,935,150                                                      Current accounts with Bank Indonesia
     Giro pada bank lain                                                                                                                                                                                       Current accounts with other banks
          Giro pada bank lain pihak ketiga                                                                             21,883,660       20,790,456                                        Current accounts with other banks third parties
          Giro pada bank lain pihak berelasi                                                                            448,259           697,978                                      Current accounts with other banks related parties
          Cadangan kerugian penurunan nilai pada giro pada bank lain                                                    ( 9,984 )        ( 18,577 )             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                                                    62,297,819       67,349,188                      Placements with Bank Indonesia and other banks third parties
          Penempatan pada Bank Indonesia dan bank lain pihak berelasi                                                  2,927,441        3,052,713                    Placements with Bank Indonesia and other banks related parties
          Cadangan kerugian penurunan nilai pada penempatan pada bank lain                                              ( 1,860 )        ( 1,981 )                   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                                                                  74,551,024       44,013,526                                                         Marketable securities third parties
          Efek-efek yang diperdagangkan pihak berelasi                                                                256,540,280      286,311,292                                                    Marketable securities related parties
          Cadangan kerugian penurunan nilai pada efek-efek yang diperdagangkan                                         ( 81,510 )       ( 82,835 )                            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                                                                      33,595,231       51,014,678                                          Securities purchased under agreement to resale
     Wesel ekspor dan tagihan lainnya                                                                                                                                                                                   Bills and other receivables
          Wesel ekspor dan tagihan lainnya pihak ketiga                                                                35,144,761       30,156,223                                                 Bills and other receivables third parties
          Wesel ekspor dan tagihan lainnya pihak berelasi                                                              18,750,643        8,911,152                                              Bills and other receivables related parties
          Cadangan kerugian penurunan nilai pada wesel ekspor dan tagihan lainnya                                     ( 2,323,916 )    ( 1,638,929 )                    Allowance for impairment losses for bills and other receivables
     Tagihan akseptasi                                                                                                                                                                                                     Acceptance receivables
          Tagihan akseptasi pihak ketiga                                                                                9,003,846        5,557,629                                                    Acceptance receivables third parties
          Tagihan akseptasi pihak berelasi                                                                              1,213,562        1,609,971                                                 Acceptance receivables related parties
          Cadangan kerugian penurunan nilai pada tagihan akseptasi                                                     ( 249,698 )      ( 136,536 )                        Allowance for impairment losses for acceptance receivables
     Tagihan derivatif                                                                                                                                                                                                       Derivative receivables
          Tagihan derivatif pihak ketiga                                                                                 911,683          911,405                                                       Derivative receivables third parties
          Tagihan derivatif pihak berelasi                                                                                                                                                           Derivative receivables related parties
     Pinjaman yang diberikan                                                                                                                                                                                                                    Loans
          Pinjaman yang diberikan pihak ketiga                                                                        1,136,675,227    1,015,525,063                                                                         Loans third parties
          Pinjaman yang diberikan pihak berelasi                                                                        61,077,479       63,749,756                                                                       Loans related parties
          Cadangan kerugian penurunan nilai pada pinjaman yang diberikan                                              ( 79,924,211 )   ( 88,323,830 )                                          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                                                                                                                                                               Murabahah receivables third parties
          Piutang murabahah pihak berelasi                                                                                                                                                          Murabahah receivables related parties
          Cadangan kerugian penurunan nilai pada piutang murabahah                                                                                                         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                                                                                                                                                                           Ijarah receivables third parties
          Piutang ijarah pihak berelasi                                                                                                                                                                     Ijarah receivables related parties
          Cadangan kerugian penurunan nilai pada piutang ijarah                                                                                                                   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                                                                                                                                                            Mudharabah financing third parties
          Pembiayaan mudharabah pihak berelasi                                                                                                                                                       Mudharabah financing related parties
          Cadangan kerugian penurunan nilai pada pembiayaan mudharabah                                                                                                      Allowance for impairment losses for mudharabah financing
     Pembiayaan musyarakah                                                                                                                                                                                                   Musyarakah financing
          Pembiayaan musyarakah pihak ketiga                                                                                                                                                             Musyarakah financing third parties
          Pembiayaan musyarakah pihak berelasi                                                                                                                                                       Musyarakah financing related parties
          Cadangan kerugian penurunan nilai pada pembiayaan musyarakah                                                                                                      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                                                                                 68,646,190       59,795,041                                                              Other receivables third parties
          Piutang lainnya pihak berelasi                                                                                  30,351           7,205                                                            Other receivables related parties
          Cadangan kerugian penurunan nilai pada piutang lainnya                                                      ( 5,577,677 )    ( 4,764,151 )                               Allowance for impairment losses for other receivables
     Aset keuangan lainnya                                                                                                                                                                                                    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                                                                                                                                                                                                         Prepaid expenses
     Jaminan                                                                                                                                                                                                                               Guarantees
     Pajak dibayar dimuka                                                                                                                                                                                                               Prepaid taxes
     Klaim atas pengembalian pajak                                                                                                                                                                                             Claims for tax refund
     Aset pajak tangguhan                                                                                              15,605,462       18,712,994                                                                              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                                                                        1,746,426        1,774,614                                                                Investments in joint ventures
          Investasi pada entitas asosiasi                                                                               5,559,065        4,732,289                                                                   Investments in associates
     Aset reasuransi                                                                                                                                                                                                            Reinsurance assets
     Aset imbalan pasca kerja                                                                                                                                                                                     Post-employment benefit assets
     Goodwill                                                                                                                                                                                                                                 Goodwill
     Aset takberwujud selain goodwill                                                                                                                                                                      Intangible assets other than goodwill
     Properti investasi                                                                                                                                                                                                       Investment properties
     Aset ijarah                                                                                                                                                                                                                         Ijarah assets
     Aset tetap                                                                                                        59,678,119       55,216,047                                                                 Property, plant, and equipment
     Aset hak guna                                                                                                                                                                                                               Right of use assets
     Aset pengampunan pajak                                                                                                                                                                                                     Tax amnesty assets
     Agunan yang diambil alih                                                                                                                                                                                                     Foreclosed assets
     Aset lainnya                                                                                                       53,376,453       42,374,001                                                                                      Other assets
     Jumlah aset                                                                                                      1,965,007,030    1,865,639,010                                                                                      Total assets
  Liabilitas, dana syirkah temporer dan ekuitas                                                                                                                                                    Liabilities, temporary syirkah funds and equity
     Liabilitas                                                                                                                                                                                                                              Liabilities
          Liabilitas segera                                                                                            30,651,807       24,910,579                                                                 Obligations due immediately
          Bagi hasil yang belum dibagikan                                                                                                                                                                           Undistributed profit sharing
          Dana simpanan syariah                                                                                                                                                                                                  Sharia deposits
          Simpanan nasabah                                                                                                                                                                                                  Customers deposits
              Giro                                                                                                                                                                                                         Current accounts
                  Giro pihak ketiga                                                                                   171,229,528      165,589,839                                                    Current accounts third parties
                  Giro pihak berelasi                                                                                 174,894,844      184,165,751                                                 Current accounts related parties
              Giro wadiah                                                                                                                                                                                         Wadiah demand deposits
                  Giro wadiah pihak ketiga                                                                                                                                                  Wadiah demand deposits third parties
                  Giro wadiah pihak berelasi                                                                                                                                             Wadiah demand deposits related parties
              Tabungan                                                                                                                                                                                                                 Savings
                  Tabungan pihak ketiga                                                                               527,499,123      521,783,175                                                                  Savings third parties
                  Tabungan pihak berelasi                                                                               446,427          864,745                                                                 Savings related parties
Page 4
      Tabungan wadiah                                                                                                                                                                                                              Wadiah savings
           Tabungan wadiah pihak ketiga                                                                                                                                                                           Wadiah savings third parties
           Tabungan wadiah pihak berelasi                                                                                                                                                                     Wadiah savings related parties
      Deposito berjangka                                                                                                                                                                                                              Time deposits
           Deposito berjangka pihak ketiga                                                               327,960,580     296,283,522                                                                                Time deposits third parties
           Deposito berjangka pihak berelasi                                                             156,298,259     139,196,981                                                                             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                                                               462,943         821,691                                                                          Other banks deposits related parties
      Simpanan dari bank lain pihak ketiga                                                                11,495,376      8,512,856                                                                            Other banks deposits third parties
   Efek yang dijual dengan janji untuk dibeli kembali                                                     19,079,458      9,997,592                                                                      Securities sold with repurchase agreement
   Liabilitas derivatif                                                                                                                                                                                                            Derivative payables
      Liabilitas derivatif pihak ketiga                                                                    925,210         783,921                                                                                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                                                                   10,217,408      7,167,600                                                                             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                                                                 72,778,467      60,523,529                                                                                       Borrowings third parties
      Pinjaman yang diterima pihak berelasi                                                               26,072,346      18,847,671                                                                                    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                                                                                      49,637,581      63,611,761                                                                                                 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                                                             6,117,768       6,458,343                                                          Estimated losses on commitments and contingencies
   Beban akrual                                                                                                                                                                                                                     Accrued expenses
   Utang pajak                                                                                            2,546,839       3,053,782                                                                                                      Taxes payable
   Liabilitas pajak tangguhan                                                                                                                                                                                                    Deferred tax liabilities
   Liabilitas pengampunan pajak                                                                                                                                                                                                 Tax amnesty liabilities
   Liabilitas lainnya                                                                                     36,664,617      27,871,880                                                                                                     Other liabilities
   Kewajiban imbalan pasca kerja                                                                          23,059,624      21,296,487                                                                            Post-employment benefit obligations
   Pinjaman subordinasi                                                                                                                                                                                                            Subordinated loans
      Pinjaman subordinasi pihak ketiga                                                                    496,683         501,988                                                                                Subordinated loans third parties
      Pinjaman subordinasi pihak berelasi                                                                                                                                                                     Subordinated loans related parties
   Jumlah liabilitas                                                                                     1,648,534,888   1,562,243,693                                                                                                   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                                                                                                                                                       Mudharabah saving deposits third parties
           Tabungan mudharabah pihak berelasi                                                                                                                                                  Mudharabah saving deposits related parties
      Deposito berjangka mudharabah                                                                                                                                                                                     Mudharabah time deposits
           Deposito berjangka mudharabah pihak ketiga                                                                                                                                               Mudharabah time deposits third parties
           Deposito berjangka mudharabah pihak berelasi                                                                                                                                           Mudharabah time deposits related parties
   Bank                                                                                                                                                                                                                                            Bank
      Giro mudharabah                                                                                                                                                                                                Mudharabah current account
      Tabungan mudharabah (ummat)                                                                                                                                                                         Mudharabah saving deposits (ummat)
      Deposito berjangka mudharabah                                                                                                                                                                                     Mudharabah time deposits
   Efek yang diterbitkan bank                                                                                                                                                                                                   Bank securities issued
      Investasi mudharabah antar bank                                                                                                                                                                        Interbank mudharabah investments
      Sukuk mudharabah                                                                                                                                                                                                          Mudharabah sukuk
      Sukuk mudharabah subordinasi                                                                                                                                                                              Subordinated mudharabah sukuk
   Jumlah dana syirkah temporer                                                                                                                                                                                         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                                                                                         7,577,950       7,577,950                                                                                                Common stocks
      Saham preferen                                                                                                                                                                                                               Preferred stocks
      Tambahan modal disetor                                                                              75,853,127      75,637,083                                                                                      Additional paid-in capital
      Saham treasuri                                                                                     ( 3,614,321 )   ( 2,202,178 )                                                                                             Treasury stocks
      Uang muka setoran modal                                                                                                                                                                                            Advances in capital stock
      Opsi saham                                                                                           342,251         226,622                                                                                                    Stock options
      Penjabaran laporan keuangan                                                                                                                                                                                           Translation adjustment
      Cadangan revaluasi                                                                                  20,216,505      20,267,952                                                                                         Revaluation reserves
      Cadangan selisih kurs penjabaran                                                                    ( 253,744 )     ( 127,954 )                                                          Reserve of exchange differences on translation
      Cadangan perubahan nilai wajar aset keuangan nilai wajar melalui pendapatan komprehensif lainnya      128,230         139,978      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                                                  ( 2,134,699 )                                                                    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                                                                            ( 463,165 )    ( 3,395,376 )                                                                                 Other components of equity
      Saldo laba (akumulasi kerugian)                                                                                                                                                                                   Retained earnings (deficit)
           Saldo laba yang telah ditentukan penggunaanya                                                                                                                                                      Appropriated retained earnings
               Cadangan umum dan wajib                                                                    3,022,685       3,022,685                                                                            General and legal reserves
               Cadangan khusus                                                                                                                                                                                             Specific reserves
           Saldo laba yang belum ditentukan penggunaannya                                                210,688,737     198,147,249                                                                       Unappropriated retained earnings
      Jumlah ekuitas yang diatribusikan kepada pemilik entitas induk                                     311,363,556     299,294,011                                                  Total equity attributable to equity owners of parent entity
   Proforma ekuitas                                                                                                                                                                                                                     Proforma equity
   Kepentingan non-pengendali                                                                              5,108,586       4,101,306                                                                                          Non-controlling interests
   Jumlah ekuitas                                                                                         316,472,142     303,395,317                                                                                                       Total equity
Jumlah liabilitas, dana syirkah temporer dan ekuitas                                                     1,965,007,030   1,865,639,010                                                             Total liabilities, temporary syirkah funds and equity
Page 5
[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                                                                                                                                                                                    178,995,994      151,874,816                                                                                                                                                                         Interest income
     Beban bunga                                                                                                                                                                                        ( 43,812,507 )   ( 27,277,743 )                                                                                                                                                                   Interest expenses
     Pendapatan pengelolaan dana oleh bank sebagai mudharib                                                                                                                                                                                                                                                                                                              Revenue from fund management as mudharib
     Hak pihak ketiga atas bagi hasil dana syirkah temporer                                                                                                                                                                                                                                                                                                   Third parties share on return of temporary syirkah funds
     Pendapatan asuransi                                                                                                                                                                                                                                                                                                                                                                                  Insurance income
         Pendapatan dari premi asuransi                                                                                                                                                                   9,078,853        8,936,995                                                                                                                                              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                                                                                                                                                                                    ( 6,917,461 )    ( 7,359,672 )                                                                                                                                                                   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                                                                                                                                                                                                                                                                                                                                       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                                                                                                                                            1,898,653        1,518,191                                                                                                                          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                                                                                                                                                 214,435          145,520                                                                                                                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                                                                                                                              20,737,913       18,794,964                                                                                                       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                                                                                                                                               16,833,578       12,468,321                                                                                                                                    Revenue from recovery of written-off assets
         Keuntungan (kerugian) selisih kurs mata uang asing                                                                                                                                               402,526         1,132,079                                                                                                                           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                                                                                                                                                                   5,858,324       13,243,725                                                                                                                                                           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                                                                                                                                                                                                                               Recovery of impairment loss of financial assets consumer financing receivables
         Pemulihan penyisihan kerugian penurunan nilai aset non-keuangan                                                                                                                                 ( 497,848 )      ( 137,431 )                                                                                                                          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                                                                                                                             341,994          543,145                                                                                                                   Recovery of estimated loss of commitments and contingency
     Pembentukan kerugian penurunan nilai                                                                                                                                                                                                                                                                                                                                               Allowances for impairment losses
         Pembentukan penyisihan kerugian penurunan nilai aset produktif                                                                                                                                 ( 29,523,426 )   ( 27,384,906 )                                                                                                                      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                                                                                                                                                                    ( 28,484,209 )   ( 25,958,686 )                                                                                                                                        General and administrative expenses
         Beban penjualan                                                                                                                                                                                                                                                                                                                                                                               Selling expenses
         Beban sewa, pemeliharaan, dan perbaikan                                                                                                                                                                                                                                                                                                                   Rent, maintenance and improvement expenses
         Beban provisi dan komisi                                                                                                                                                                                                                                                                                                                                             Other fees and commissions expenses
         Beban operasional lainnya                                                                                                                                                                      ( 48,298,082 )   ( 56,233,281 )                                                                                                                                                      Other operating expenses
  Jumlah laba operasional                                                                                                                                                                                 76,828,737       64,306,037                                                                                                                                                                Total profit from operation
  Pendapatan dan beban bukan operasional                                                                                                                                                                                                                                                                                                                                                  Non-operating income and expense
     Pendapatan bukan operasional                                                                                                                                                                        ( 399,025 )       290,664                                                                                                                                                                    Non-operating income
     Beban bukan operasional                                                                                                                                                                                                                                                                                                                                                                       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                                                                                                                                                            76,429,712       64,596,701                                                                                                                                                              Total profit (loss) before tax
  Pendapatan (beban) pajak                                                                                                                                                                              ( 16,004,664 )   ( 13,188,494 )                                                                                                                                                                  Tax benefit (expenses)
  Jumlah laba (rugi) dari operasi yang dilanjutkan                                                                                                                                                        60,425,048       51,408,207                                                                                                                                          Total profit (loss) from continuing operations
  Laba (rugi) dari operasi yang dihentikan                                                                                                                                                                                                                                                                                                                                         Profit (loss) from discontinued operations
  Jumlah laba (rugi)                                                                                                                                                                                     60,425,048       51,408,207                                                                                                                                                                            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                                                                                                                                                                                                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                                                                                                                                                                                                                  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                                                                                                                                                                           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                                                                                                                                                                                                              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                                                                                                                                           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                                                                                                                                                                                     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                                                                                                                                                                                                                       Total other comprehensive income that may be reclassified to profit or loss, after tax
     Jumlah pendapatan komprehensif lainnya, setelah pajak                                                                                                                                                628,611        ( 2,839,024 )                                                                                                                                      Total other comprehensive income, after tax
  Jumlah laba rugi komprehensif                                                                                                                                                                          61,053,659       48,569,183                                                                                                                                                             Total comprehensive income
  Laba (rugi) yang dapat diatribusikan                                                                                                                                                                                                                                                                                                                                                               Profit (loss) attributable to
     Laba (rugi) yang dapat diatribusikan ke entitas induk                                                                                                                                               60,099,863       51,170,312                                                                                                                                             Profit (loss) attributable to parent entity
     Laba (rugi) yang dapat diatribusikan ke kepentingan non-pengendali                                                                                                                                   325,185          237,895                                                                                                                                  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                                                                                                                                    60,708,390       48,333,349                                                                                                                               Comprehensive income attributable to parent entity
     Laba rugi komprehensif yang dapat diatribusikan ke kepentingan non-pengendali                                                                                                                        345,269          235,834                                                                                                                    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                                                                                                                                           398              338                                                                                                                      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                                                                                                                                                                                                                                                                                 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                                                                                                   7,577,950                               75,637,083             ( 2,202,178 )                                  226,622                                         20,267,952                    ( 127,954 )                           139,978                                                                                                                                       ( 689,473 )
     Penyesuaian
         Penerapan awal standar akuntansi baru dan revisi
         Perubahan kebijakan akuntansi secara sukarela
         Koreksi kesalahan periode lalu
         Penyesuaian lainnya
     Posisi ekuitas, awal periode                                                                                                                   7,577,950                               75,637,083             ( 2,202,178 )                                  226,622                                         20,267,952                    ( 127,954 )                           139,978                                                                                                                                       ( 689,473 )
     Laba (rugi)
     Pendapatan komprehensif lainnya                                                                                                                                                                                                                                                                               ( 51,447 )                   ( 125,790 )                          ( 11,748 )                                                                                                                                     ( 1,445,226 )
     Penjabaran laporan keuangan
     Pembentukan cadangan umum
     Pembentukan cadangan khusus
     Distribusi dividen kas
     Distribusi dividen saham
     Penerbitan saham biasa                                                                                                                                                                  216,044                  29,860                                       77,216
     Penerbitan saham preferen
     Biaya emisi efek
     Penerbitan instrumen yang dapat dikonversi
     Kenaikan (penurunan) ekuitas melalui transaksi saham tresuri                                                                                                                                                  ( 1,442,003 )
     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                                                                                                                                                                                                                                        38,413
     Dampak penerapan psak no. 70 atas aset pengampunan pajak
     Saldo penyesuaian dampak penerapan retrospektif atas PSAK
     Transaksi ekuitas lainnya
     Posisi ekuitas, akhir periode                                                                                                                  7,577,950                               75,853,127             ( 3,614,321 )                                  342,251                                         20,216,505                    ( 253,744 )                           128,230                                                                                                                                       ( 2,134,699 )
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                                                                                                   7,577,950                               76,242,898              ( 45,997 )                                    229,521                                         17,006,230                    ( 115,975 )                           547,026
     Penyesuaian
         Penerapan awal standar akuntansi baru dan revisi
         Perubahan kebijakan akuntansi secara sukarela
         Koreksi kesalahan periode lalu
         Penyesuaian lainnya
     Posisi ekuitas, awal periode                                                                                                                   7,577,950                               76,242,898              ( 45,997 )                                    229,521                                         17,006,230                    ( 115,975 )                           547,026
     Laba (rugi)
     Pendapatan komprehensif lainnya                                                                                                                                                                                                                                                                               3,261,722                    ( 11,979 )                          ( 407,048 )
     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                                                                                                                                                  ( 2,187,544 )
     Kenaikan (penurunan) ekuitas melalui transaksi pembayaran berbasis saham
     Pelaksanaan instrumen yang dapat dikonversi
     Pelaksanaan waran
     Kenaikan (penurunan) ekuitas melalui transaksi dengan pemilik ekuitas                                                                                                                  ( 604,474 )
     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                                                                                                                                                                                                                                       ( 2,899 )
     Dampak penerapan psak no. 70 atas aset pengampunan pajak
     Saldo penyesuaian dampak penerapan retrospektif atas PSAK
     Transaksi ekuitas lainnya                                                                                                                                                               ( 1,341 )                 31,363
     Posisi ekuitas, akhir periode                                                                                                                  7,577,950                               75,637,083             ( 2,202,178 )                                  226,622                                         20,267,952                    ( 127,954 )                           139,978
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                                                                                  169,068,778       130,501,831                                                         Interest, investment income, fees and commissions received
        Pembayaran bunga dan bonus, provisi dan komisi                                                                                         ( 42,461,798 )    ( 25,762,613 )                                                           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                                                                                  12,922,019        10,118,043                                                                Revenue receipts from fund management as mudharib
        Pembayaran bagi hasil dana syirkah temporer                                                                                             ( 1,161,971 )     ( 1,008,042 )                                                                                   Payments of temporary syirkah funds
        Penerimaan premi asuransi                                                                                                                 2,446,921         1,577,323                                                                                        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                                                                                           29,267,943        35,709,608                                                                                 Income from other operating transactions
        Penerimaan kembali aset yang telah dihapusbukukan                                                                                       16,833,578        12,468,321                                                                                             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                                                                                 ( 14,279,292 )    ( 15,762,408 )                                                                                      Refunds (payments) of income tax
        Pembayaran beban operasional lainnya                                                                                                   ( 75,776,851 )    ( 78,869,304 )                                                                                Payments for other operating expenses
        Penerimaan pendapatan non-operasional                                                                                                    ( 248,356 )        ( 52,531 )                                                                                     Receipts from non-operating income
        Pengembalian (penempatan) uang jaminan                                                                                                                                                                                                         Repayment (placement) of refundable deposits
        Penerimaan (pengeluaran) kas lainnya dari aktivitas operasi                                                                                                                                                                            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                                                                        ( 505,646 )       ( 195,110 )                                           Decrease (increase) in placements with other banks and Bank Indonesia
        Penurunan (kenaikan) efek yang diperdagangkan                                                                                           ( 1,277,298 )     ( 2,114,619 )                                                                          Decrease (increase) in marketable securities
        Penurunan (kenaikan) efek yang dibeli dengan janji dijual kembali                                                                        17,419,447         3,900,820                                               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                                                                                  ( 14,828,029 )     ( 9,403,150 )                                                                     Decrease (increase) in bills and other receivables
        Penurunan (kenaikan) tagihan akseptasi                                                                                                                                                                                                         Decrease (increase) in acceptance receivables
        Penurunan (kenaikan) pinjaman yang diberikan                                                                                           ( 152,128,249 )   ( 106,917,972 )                                                                                            Decrease (increase) in loans
        Penurunan (kenaikan) piutang pembiayaan konsumen                                                                                         ( 5,720,404 )     ( 9,996,487 )                                                             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                                                                                                                                                                                                 Decrease (increase) in murabahah receivables
            Penurunan (kenaikan) piutang istishna                                                                                                                                                                                                      Decrease (increase) in istishna receivables
            Penurunan (kenaikan) piutang ijarah                                                                                                                                                                                                          Decrease (increase) in ijarah receivables
            Penurunan (kenaikan) pinjaman qardh                                                                                                                                                                                                                 Decrease (increase) in qardh funds
            Penurunan (kenaikan) pembiayaan mudharabah                                                                                                                                                                                              Decrease (increase) in mudharabah financing
            Penurunan (kenaikan) pembiayaan musyarakah                                                                                                                                                                                               Decrease (increase) in musyarakah financing
            Penurunan (kenaikan) aset ijarah                                                                                                                                                                                                                   Decrease (increase) in ijarah assets
        Penurunan (kenaikan) piutang lainnya                                                                                                    ( 3,335,688 )     ( 1,354,828 )                                                                               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                                                                                                      ( 16,170,249 )     ( 2,941,947 )                                                                                     Decrease (increase) in other assets
     Kenaikan (penurunan) liabilitas operasi                                                                                                                                                                                                                    Increase (decrease) in operating liabilities
        Kenaikan (penurunan) liabilitas segera                                                                                                  5,741,228          6,175,192                                                                      Increase (decrease) in obligations due immediately
        Kenaikan (penurunan) giro dan tabungan simpanan nasabah                                                                                 1,666,412         154,136,573                                                      Increase (decrease) in current accounts and customers savings
        Kenaikan (penurunan) deposito berjangka nasabah                                                                                         48,778,336        15,004,224                                                                          Increase (decrease) in customers time deposits
        Kenaikan (penurunan) giro wadiah simpanan nasabah                                                                                                                                                                               Increase (decrease) in customers wadiah demand deposits
        Kenaikan (penurunan) tabungan wadiah simpanan nasabah                                                                                                                                                                             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                                                                                             2,623,772        ( 3,994,882 )                                                                   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                                                                        9,081,866       ( 19,410,916 )                                                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                                                                                                                                                                                                    Increase (decrease) in temporary syirkah funds
        Kenaikan (penurunan) liabilitas lainnya                                                                                                   7,072,077       5,698,879                                                                                      Increase (decrease) in other liabilities
     Jumlah arus kas bersih yang diperoleh dari (digunakan untuk) aktivitas operasi                                                             ( 4,971,454 )     97,506,005                                                           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       36,137          ( 145,649 )     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                                                                                                    75,572          144,069                                                                                    Dividends received from investing activities
     Penerimaan dari penjualan (perolehan) properti investasi                                                                                   ( 8,177,296 )    ( 10,538,233 )                                                           Proceeds from disposal (acquisition) of investment properties
     Penerimaan dari penjualan (perolehan) aset tetap                                                                                              168,975          343,195                                                            Proceeds from disposal (acquisition) of property and equipment
     Penerimaan dari penjualan (perolehan) aset takberwujud selain goodwill                                                                                                                                              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                                                                                        2,907,520        37,424,578                                                                             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                                                                                                                                                                                  Other cash inflows (outflows) from investing activities
     Jumlah arus kas bersih yang diperoleh dari (digunakan untuk) aktivitas investasi                                                           ( 4,989,092 )     27,227,960                                                            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                                                                                                           31,573,410       11,068,534                                                                                                     Proceeds from borrowings
     Pembayaran pinjaman yang diterima                                                                                                         ( 12,212,871 )                                                                                                                      Payments for borrowings
     Penerimaan pinjaman subordinasi                                                                                                              494,142                                                                                                                Proceeds from subordinated loans
     Pembayaran pinjaman subordinasi                                                                                                                                                                                                                                       Payments of subordinated loans
     Pembayaran bunga pinjaman                                                                                                                                                                                                                                      Payments of interests from borrowings
     Penerimaan dari penerbitan obligasi                                                                                                        14,112,994         21,739,525                                                                                                Proceeds from bonds issuance
     Pembayaran utang obligasi                                                                                                                  ( 500,000 )      ( 14,650,023 )                                                                                                 Payments of bonds payable
     Pembayaran biaya emisi penerbitan obligasi                                                                                                                                                                                                                          Payments of bonds issuance costs
     Obligasi subordinasi yang diterbitkan                                                                                                                                                                                                                                      Subordinated bonds issued
     Pembayaran obligasi subordinasi                                                                                                           ( 28,141,850 )                                                                                                              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                                                                                                   ( 1,382,284 )     ( 2,187,544 )                                                                                         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                                                                                               ( 43,494,766 )    ( 26,406,603 )                                                                                     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                                                          ( 39,551,225 )    ( 10,436,111 )                                                        Total net cash flows received from (used in) financing activities
  Jumlah kenaikan (penurunan) bersih kas dan setara kas                                                                                        ( 49,511,771 )     114,297,854                                                                   Total net increase (decrease) in cash and cash equivalents
  Kas dan setara kas arus kas, awal periode                                                                                                     268,192,168       153,924,601                                                               Cash and cash equivalents cash flows, beginning of the period
  Efek perubahan nilai kurs pada kas dan setara kas                                                                                               ( 2,663 )         ( 30,287 )                                                              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                                                                                                    218,677,734       268,192,168                                                                       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                                     33,406,372                      1,086,300                          ( 1,134,834 )                            ( 40,411 )                                                                                                                                                                                33,317,427                                                       Land, directly owned                        Carrying amount, gross
                         Bangunan dan fasilitasnya, dimiliki langsung                 12,219,677                      1,522,462                           ( 699,119 )                             2,084,832                                                                                                                                                                                 15,127,852                      Building and leasehold improvement, directly owned
                         Mesin dan peralatan, dimiliki langsung                       12,175,552                      2,588,752                           ( 435,387 )                             2,534,962                                                                                                                                                                                 16,863,879                                 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                3,357,863                      677,264                            ( 102,384 )                              45,608                                                                                                                                                                                    3,978,351                            Furniture and office equipment, directly owned
                         Kendaraan bermotor, dimiliki langsung                          3,900,285                     2,015,071                           ( 706,759 )                              12,801                                                                                                                                                                                    5,221,398                                              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                                   3,284,852                           25                                  (0)                                   4,185                                                                                                                                                                                   3,289,062                                                      Others, directly owned
                         Dimiliki langsung                                            68,344,601                      7,889,874                          ( 3,078,483 )                            4,641,977                                                                                                                                                                                 77,797,969                                                               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                                   5,606,600                     2,719,584                            ( 18,399 )                           ( 4,641,977 )                                                                                                                                                                                3,665,808                                        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                                      5,606,600                      2,719,584                             ( 18,399 )                           ( 4,641,977 )                                                                                                                                                                               3,665,808                                                   Assets under construction
                         Aset tetap                                                   73,951,201                     10,609,458                          ( 3,096,882 )                                0                                                                                                                                                                                     81,463,777                                            Property, plant, and equipment
Akumulasi depresiasi     Tanah, dimiliki langsung                                                                                                                                                                                                                                                                                                                                                                                                            Land, directly owned      Carrying amount, accumulated depreciation
                         Bangunan dan fasilitasnya, dimiliki langsung                   4,158,159                     1,302,878                           ( 224,927 )                             ( 10,318 )                                                                                                                                                                                5,225,792                       Building and leasehold improvement, directly owned
                         Mesin dan peralatan, dimiliki langsung                         9,276,125                     1,514,294                           ( 194,805 )                               ( 882 )                                                                                                                                                                                 10,594,732                                 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                2,247,030                        444,481                           ( 94,342 )                              10,771                                                                                                                                                                                    2,607,940                            Furniture and office equipment, directly owned
                         Kendaraan bermotor, dimiliki langsung                          1,846,266                        243,852                          ( 161,713 )                               429                                                                                                                                                                                      1,928,834                                              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                                   1,207,574                        220,786                                                                                                                                                                                                                                                              1,428,360                                                      Others, directly owned
                         Dimiliki langsung                                            18,735,154                      3,726,291                           ( 675,787 )                                  0                                                                                                                                                                                    21,785,658                                                               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                                                   18,735,154                      3,726,291                           ( 675,787 )                                  0                                                                                                                                                                                    21,785,658                                            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             55,216,047                         6,883,167                    ( 2,421,095 )                             0                                                                                                                                                                                        59,678,119                  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                                     30,014,425                       3,634,662                           ( 206,667 )                             ( 36,048 )                                                                                                                                                                                33,406,372                                                       Land, directly owned                        Carrying amount, gross
                         Bangunan dan fasilitasnya, dimiliki langsung                 9,420,713                        3,747,043                          ( 1,745,445 )                             797,366                                                                                                                                                                                  12,219,677                      Building and leasehold improvement, directly owned
                         Mesin dan peralatan, dimiliki langsung                       10,595,357                       1,296,684                           ( 434,729 )                              718,240                                                                                                                                                                                  12,175,552                                 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               3,908,928                        707,388                            ( 571,618 )                            ( 686,835 )                                                                                                                                                                                 3,357,863                            Furniture and office equipment, directly owned
                         Kendaraan bermotor, dimiliki langsung                         3,612,022                       1,153,328                           ( 915,890 )                              50,825                                                                                                                                                                                    3,900,285                                              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                                   3,284,848                          250                                   (0)                                   ( 246 )                                                                                                                                                                                 3,284,852                                                      Others, directly owned
                         Dimiliki langsung                                            60,836,293                      10,539,355                          ( 3,874,349 )                             843,302                                                                                                                                                                                  68,344,601                                                               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                                  4,202,191                       3,295,590                          ( 1,047,879 )                           ( 843,302 )                                                                                                                                                                                 5,606,600                                        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                                      4,202,191                       3,295,590                           ( 1,047,879 )                           ( 843,302 )                                                                                                                                                                                5,606,600                                                   Assets under construction
                         Aset tetap                                                   65,038,484                      13,834,945                          ( 4,922,228 )                                0                                                                                                                                                                                     73,951,201                                            Property, plant, and equipment
Akumulasi depresiasi     Tanah, dimiliki langsung                                                                                                                                                                                                                                                                                                                                                                                                             Land, directly owned      Carrying amount, accumulated depreciation
                         Bangunan dan fasilitasnya, dimiliki langsung                  3,313,244                       1,094,220                           ( 262,287 )                              12,982                                                                                                                                                                                    4,158,159                      Building and leasehold improvement, directly owned
                         Mesin dan peralatan, dimiliki langsung                        7,666,009                       1,344,986                           ( 275,523 )                              540,653                                                                                                                                                                                   9,276,125                                 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               2,981,185                          383,015                          ( 554,450 )                            ( 562,720 )                                                                                                                                                                                 2,247,030                            Furniture and office equipment, directly owned
                         Kendaraan bermotor, dimiliki langsung                         2,120,861                          572,000                          ( 855,688 )                               9,093                                                                                                                                                                                    1,846,266                                              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                                    986,998                          220,584                                                                       (8)                                                                                                                                                                                    1,207,574                                                      Others, directly owned
                         Dimiliki langsung                                            17,068,297                       3,614,805                          ( 1,947,948 )                                0                                                                                                                                                                                     18,735,154                                                               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                                                   17,068,297                       3,614,805                          ( 1,947,948 )                                 0                                                                                                                                                                                    18,735,154                                            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             47,970,187                         10,220,140                    ( 2,974,280 )                                                                                                                                                                                                                      55,216,047                  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

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