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Nomor Surat HBK.CSC/CMA.422/2024
Nama Emiten PT Bank Mandiri (Persero) Tbk
Kode Emiten BMRI
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 Mandiri Pembiayaan Jakarta 1989 Beroperasi 29.727.392 JUTAAN IDR 51.0
Tunas Konsumen
Finance
(MTF)
2 PT AXA Asuransi Jiwa Jakarta 1991 Beroperasi 41.114.472 JUTAAN IDR 51.0
Mandiri
Financial
Services
(AMFS)
3 PT MANDIRI Pembiayaan Jakarta 2015 Beroperasi 10.625.581 JUTAAN IDR 51.0
UTAMA Konsumen
FINANCE
4 PT MANDIRI Modal Ventura Jakarta 2015 Beroperasi 5.155.131 JUTAAN IDR 99.99
CAPITAL
INDONESIA
5 Bank Mandiri Perbankan London 1999 Beroperasi 4.047.572 JUTAAN IDR 100.0
(Europe)
Limited
(BMEL)
6 Mandiri Layanan Kuala Lumpur 2009 Beroperasi 24.393 JUTAAN IDR 100.0
International Remittance
Remittance
Sendirian
Berhad (MIR)
7 PT Bank Perbankan Jakarta 1955 Beroperasi 353.624.125 JUTAAN IDR 51.47
Syariah Syariah
Indonesia
(BSI)
8 PT Mandiri Sekuritas Jakarta 1992 Beroperasi 4.725.946 JUTAAN IDR 99.99
Sekuritas
(Mansek)
9 PT Bank Perbankan Denpasar 1970 Beroperasi 60.537.057 JUTAAN IDR 51.1
Mandiri
Taspen (Bank
Mantap)
10 PT Asuransi Asuransi Jiwa Jakarta 2008 Beroperasi 2.824.452 JUTAAN IDR 80.0
Jiwa InHealth
Indonesia
Dokumen ini merupakan dokumen resmi PT Bank Mandiri (Persero) Tbk yang tidak memerlukan tanda tangan karena dihasilkan secara elektronik.
PT Bank Mandiri (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 Mandiri (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 BMRI Entity code
Nomor identifikasi entitas AA416 Entity identification number
Industri utama entitas Keuangan dan Syariah / Financial and Sharia Entity main industry
Standar akutansi yang dipilih PSAK Selected accounting standards
Sektor G. Financials Sector
Subsektor G1. Banks Subsector
Industri G11. Banks Industry
Subindustri G111. Banks Subindustry
Informasi pemegang saham pengendali National Corporation 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 3 Total Key Audit Matters
Paragraf Hal Audit Utama 1. Cadangan kerugian penurunan nilai atas kredit yang diberikan dan piutang/pembiayaan syariah 2. Pengoperasian dan pengendalian atas sistem Teknologi Informasi (TI) pelaporan keuangan 3. Estimasi atas liabilitas kepada pemegang polis 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 Tanudiredja, Wibisana, Rintis & Rekan Current year auditor
Nama partner audit tahun berjalan Lucy Luciana Suhenda Name of current year audit signing partner
Lama tahun penugasan partner yang menandatangani Number of years served as audit signing partner
Auditor tahun sebelumnya Tanudiredja, Wibisana, Rintis, & Rekan Prior year auditor
Nama partner audit tahun sebelumnya Lucy Luciana Suhenda Name of prior year audit signing partner
Kepatuhan terhadap pemenuhan peraturan OJK Nomor: 75/POJK.04/2017 tentang Tanggung Jawab Direksi Atas Laporan Keuangan Ya / Yes Whether in compliance with OJK rules No. 75/POJK.04/2017 concerning responsibilities of board of directors on financial statements
Kepatuhan terhadap pemenuhan independensi akuntan yang memberikan jasa audit di pasar modal sesuai dengan POJK Nomor 13/POJK.03/2017 tentang Penggunaan Jasa Akuntan Publik dalam Ya / Yes Compliance to the independency of Accountant that provide services in Capital Market as regulated in OJK rules No. 13/POJK.03/2017 concerning The Use of Public Accountant and Auditing Firm in
Kegiatan Jasa Keuangan Financial Services Activities.
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[4220000] Statement of financial position presented using order of liquidity - Financial and Sharia Industry
Laporan posisi keuangan Statement of financial position
2023-12-31 2022-12-31
Laporan posisi keuangan Statement of financial position
Aset Assets
Kas 26,431,740 27,212,759 Cash
Dana yang dibatasi penggunaannya Restricted funds
Giro pada Bank Indonesia 108,605,322 107,349,158 Current accounts with Bank Indonesia
Giro pada bank lain Current accounts with other banks
Giro pada bank lain pihak ketiga 36,144,993 47,699,252 Current accounts with other banks third parties
Giro pada bank lain pihak berelasi 461,097 110,733 Current accounts with other banks related parties
Cadangan kerugian penurunan nilai pada giro pada bank lain ( 32,205 ) ( 20,285 ) 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 71,838,685 92,243,984 Placements with Bank Indonesia and other banks third parties
Penempatan pada Bank Indonesia dan bank lain pihak berelasi 2,049,472 3,080,128 Placements with Bank Indonesia and other banks related parties
Cadangan kerugian penurunan nilai pada penempatan pada bank lain ( 957 ) ( 3,601 ) 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 70,921,977 55,550,432 Marketable securities third parties
Efek-efek yang diperdagangkan pihak berelasi 23,774,139 27,290,577 Marketable securities related parties
Cadangan kerugian penurunan nilai pada efek-efek yang diperdagangkan ( 150,275 ) ( 41,191 ) 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 22,692,928 11,705,989 Securities purchased under agreement to resale
Wesel ekspor dan tagihan lainnya Bills and other receivables
Wesel ekspor dan tagihan lainnya pihak ketiga 18,463,040 18,635,645 Bills and other receivables third parties
Wesel ekspor dan tagihan lainnya pihak berelasi 7,581,513 15,157,619 Bills and other receivables related parties
Cadangan kerugian penurunan nilai pada wesel ekspor dan tagihan lainnya ( 1,494,653 ) ( 1,604,705 ) Allowance for impairment losses for bills and other receivables
Tagihan akseptasi Acceptance receivables
Tagihan akseptasi pihak ketiga 12,543,461 9,884,072 Acceptance receivables third parties
Tagihan akseptasi pihak berelasi 2,250,427 1,897,509 Acceptance receivables related parties
Cadangan kerugian penurunan nilai pada tagihan akseptasi ( 122,212 ) ( 61,963 ) Allowance for impairment losses for acceptance receivables
Tagihan derivatif Derivative receivables
Tagihan derivatif pihak ketiga 1,796,775 2,141,933 Derivative receivables third parties
Tagihan derivatif pihak berelasi 198,156 110,208 Derivative receivables related parties
Pinjaman yang diberikan Loans
Pinjaman yang diberikan pihak ketiga 1,121,751,175 973,214,336 Loans third parties
Pinjaman yang diberikan pihak berelasi 238,081,020 199,385,546 Loans related parties
Cadangan kerugian penurunan nilai pada pinjaman yang diberikan ( 53,098,619 ) ( 64,612,645 ) 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 32,738,254 23,749,881 Consumer financing receivables third parties
Piutang pembiayaan konsumen pihak berelasi 11,542 7,846 Consumer financing receivables related parties
Cadangan kerugian penurunan nilai pada piutang pembiayaan konsumen ( 713,044 ) ( 610,361 ) 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 6,345,951 6,761,548 Lease investments third parties
Investasi sewa pihak berelasi ( 28,009 ) ( 102,811 ) Lease investments related parties
Investasi sewa nilai residu yang terjamin 2,672,995 2,551,829 Lease investments guaranteed residual value
Investasi sewa pendapatan pembiayaan tangguhan ( 828,700 ) ( 786,177 ) Lease investments deferred financing income
Investasi sewa simpanan jaminan ( 2,672,995 ) ( 2,551,829 ) Lease investments guarantee deposits
Cadangan kerugian penurunan nilai pada investasi sewa ( 70,170 ) ( 139,173 ) Allowance for impairment losses for lease investments
Tagihan anjak piutang Factoring receivables
Tagihan anjak piutang pihak ketiga Factoring receivables third parties
Tagihan anjak piutang pihak berelasi Factoring receivables related parties
Tagihan anjak piutang pada pendapatan anjak piutang tangguhan Factoring receivables on deferred factoring income
Cadangan kerugian penurunan nilai pada tagihan anjak piutang Allowance for impairment losses for factoring receivables
Piutang lainnya Other receivables
Piutang lainnya pihak ketiga Other receivables third parties
Piutang lainnya pihak berelasi Other receivables related parties
Cadangan kerugian penurunan nilai pada piutang lainnya Allowance for impairment losses for other receivables
Aset keuangan lainnya Other financial assets
Obligasi pemerintah 309,182,971 329,211,764 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 2,719,789 1,895,503 Prepaid expenses
Jaminan Guarantees
Pajak dibayar dimuka 436,532 1,164,925 Prepaid taxes
Klaim atas pengembalian pajak Claims for tax refund
Aset pajak tangguhan 10,179,244 12,045,479 Deferred tax assets
Investasi yang dicatat dengan menggunakan metode ekuitas Investments accounted for using equity method
Investasi pada ventura bersama dan entitas asosiasi Investments in joint ventures and associates
Investasi pada entitas ventura bersama Investments in joint ventures
Investasi pada entitas asosiasi 1,827,364 2,688,954 Investments in associates
Aset reasuransi Reinsurance assets
Aset imbalan pasca kerja Post-employment benefit assets
Goodwill 787,466 787,466 Goodwill
Aset takberwujud selain goodwill 5,087,132 4,306,143 Intangible assets other than goodwill
Properti investasi Investment properties
Aset ijarah Ijarah assets
Aset tetap 57,977,707 56,540,566 Property, plant, and equipment
Aset hak guna Right of use assets
Aset pengampunan pajak Tax amnesty assets
Agunan yang diambil alih 1,112,684 1,145,931 Foreclosed assets
Aset lainnya 36,765,737 27,551,713 Other assets
Jumlah aset 2,174,219,449 1,992,544,687 Total assets
Liabilitas, dana syirkah temporer dan ekuitas Liabilities, temporary syirkah funds and equity
Liabilitas Liabilities
Liabilitas segera 4,484,956 4,056,029 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 385,721,324 361,830,544 Current accounts third parties
Giro pihak berelasi 166,637,832 157,247,418 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 501,750,948 473,631,868 Savings third parties
Tabungan pihak berelasi 7,540,541 6,850,898 Savings related parties
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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 254,944,523 265,349,216 Time deposits third parties
Deposito berjangka pihak berelasi 34,852,981 30,665,985 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 668,258 641,268 Other banks deposits related parties
Simpanan dari bank lain pihak ketiga 17,016,522 14,206,141 Other banks deposits third parties
Efek yang dijual dengan janji untuk dibeli kembali 36,330,064 24,325,475 Securities sold with repurchase agreement
Liabilitas derivatif Derivative payables
Liabilitas derivatif pihak ketiga 2,037,449 2,039,836 Derivative payables third parties
Liabilitas derivatif pihak berelasi 76,404 86,933 Derivative payables related parties
Utang asuransi Insurance payables
Utang koasuransi Coinsurance liabilities
Liabilitas kepada pemegang polis unit-linked 29,194,702 29,710,227 Liabilities to policyholder in unit-linked contracts
Utang bunga Interest payables
Liabilitas akseptasi Acceptance liabilities
Liabilitas akseptasi pihak berelasi 2,614,261 1,750,123 Acceptance liabilities related parties
Liabilitas akseptasi pihak ketiga 12,179,627 10,031,458 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 93,679,835 60,629,414 Borrowings third parties
Pinjaman yang diterima pihak berelasi 1,765,624 2,210,704 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 50,517,764 45,774,139 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 286,081 323,365 Provisions
Liabilitas atas kontrak Contract liabilities
Pendapatan ditangguhkan Deferred income
Liabilitas sewa pembiayaan Finance lease liabilities
Estimasi kerugian komitmen dan kontinjensi 1,143,758 2,073,429 Estimated losses on commitments and contingencies
Beban akrual 4,799,446 6,493,794 Accrued expenses
Utang pajak 2,690,902 3,590,522 Taxes payable
Liabilitas pajak tangguhan Deferred tax liabilities
Liabilitas pengampunan pajak Tax amnesty liabilities
Liabilitas lainnya 37,399,213 27,336,753 Other liabilities
Kewajiban imbalan pasca kerja 11,894,629 12,607,759 Post-employment benefit obligations
Pinjaman subordinasi Subordinated loans
Pinjaman subordinasi pihak ketiga 205,171 546,333 Subordinated loans third parties
Pinjaman subordinasi pihak berelasi 10,000 87,000 Subordinated loans related parties
Jumlah liabilitas 1,660,442,815 1,544,096,631 Total liabilities
Dana syirkah temporer Temporary syirkah funds
Bukan bank Non-banks
Giro mudharabah Mudharabah current account
Giro mudharabah pihak ketiga 14,779,396 9,020,856 Mudharabah current account third parties
Giro berjangka mudharabah pihak berelasi 17,574,469 13,702,232 Mudharabah current account related parties
Tabungan mudharabah Mudharabah saving deposits
Tabungan mudharabah pihak ketiga 77,508,409 72,183,636 Mudharabah saving deposits third parties
Tabungan mudharabah pihak berelasi 191,661 86,070 Mudharabah saving deposits related parties
Deposito berjangka mudharabah Mudharabah time deposits
Deposito berjangka mudharabah pihak ketiga 87,541,044 82,418,193 Mudharabah time deposits third parties
Deposito berjangka mudharabah pihak berelasi 27,906,491 17,857,676 Mudharabah time deposits related parties
Bank Bank
Giro mudharabah 63,394 31,880 Mudharabah current account
Tabungan mudharabah (ummat) 580,115 627,646 Mudharabah saving deposits (ummat)
Deposito berjangka mudharabah 136,693 274,412 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 226,281,672 196,202,601 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 11,666,667 11,666,667 Common stocks
Saham preferen Preferred stocks
Tambahan modal disetor 17,643,264 17,643,264 Additional paid-in capital
Saham treasuri Treasury stocks
Uang muka setoran modal Advances in capital stock
Opsi saham Stock options
Penjabaran laporan keuangan Translation adjustment
Cadangan revaluasi 34,716,693 34,716,693 Revaluation reserves
Cadangan selisih kurs penjabaran ( 146,299 ) ( 60,427 ) Reserve of exchange differences on translation
Cadangan perubahan nilai wajar aset keuangan nilai wajar melalui pendapatan komprehensif lainnya ( 1,837,760 ) ( 2,768,553 ) 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 1,429 ( 3,156 ) Reserve of cash flow hedges
Cadangan pengukuran kembali program imbalan pasti 1,517,183 1,510,016 Reserve of remeasurements of defined benefit plans
Cadangan lainnya 85,052 85,052 Other reserves
Selisih Transaksi Perubahan Ekuitas Entitas Anak/Asosiasi Difference Due to Changes of Equity in Subsidiary/Associates
Komponen ekuitas lainnya ( 97,202 ) ( 97,202 ) Other components of equity
Saldo laba (akumulasi kerugian) Retained earnings (deficit)
Saldo laba yang telah ditentukan penggunaanya Appropriated retained earnings
Cadangan umum dan wajib 2,333,333 2,333,333 General and legal reserves
Cadangan khusus 3,046,935 3,046,935 Specific reserves
Saldo laba yang belum ditentukan penggunaannya 191,923,489 161,606,164 Unappropriated retained earnings
Jumlah ekuitas yang diatribusikan kepada pemilik entitas induk 260,852,784 229,678,786 Total equity attributable to equity owners of parent entity
Proforma ekuitas Proforma equity
Kepentingan non-pengendali 26,642,178 22,566,669 Non-controlling interests
Jumlah ekuitas 287,494,962 252,245,455 Total equity
Jumlah liabilitas, dana syirkah temporer dan ekuitas 2,174,219,449 1,992,544,687 Total liabilities, temporary syirkah funds and equity
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[4322000] Statement of profit or loss and other comprehensive income, OCI components presented before 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 132,544,470 112,382,118 Interest income
Beban bunga ( 36,657,896 ) ( 24,478,764 ) 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 13,721,691 14,380,273 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 ( 11,598,645 ) ( 11,912,575 ) 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 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 125,295 899,579 Realised gains (losses) on trading of marketable securities
Keuntungan (kerugian) perubahan nilai wajar efek Gains (losses) on changes in fair value of marketable securities
Pendapatan operasional lainnya Other operating income
Pendapatan investasi Investments income
Pendapatan provisi dan komisi dari transaksi lainnya selain kredit 20,148,410 18,802,148 Provisions and commissions income from transactions other than loan
Pendapatan transaksi perdagangan 3,473,796 3,494,409 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 12,159,217 8,051,649 Revenue from recovery of written-off assets
Keuntungan (kerugian) selisih kurs mata uang asing Gains (losses) on changes in foreign exchange rates
Keuntungan (kerugian) pelepasan aset tetap Gains (losses) on disposal of property and equipment
Keuntungan (kerugian) pelepasan agunan yang diambil alih Gains (losses) on disposal of foreclosed assets
Pendapatan operasional lainnya 4,741,423 3,932,497 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 Recovery of impairment loss of non-financial assets
Pemulihan penyisihan kerugian penurunan nilai aset non-keuangan - agunan yang diambil alih Recovery of impairment loss of non-financial assets repossessed collaterals
Pemulihan penyisihan estimasi kerugian atas komitmen dan kontinjensi Recovery of estimated loss of commitments and contingency
Pembentukan kerugian penurunan nilai Allowances for impairment losses
Pembentukan penyisihan kerugian penurunan nilai aset produktif ( 11,152,853 ) ( 16,096,382 ) Allowances for impairment losses on earnings assets
Pembentukan penyisihan kerugian penurunan nilai aset non-produktif 85,615 ( 282,073 ) Allowances for impairment losses on non-earnings assets
Pembalikan (beban) estimasi kerugian komitmen dan kontijensi 918,531 255,268 Reversal (expense) of estimated losses on commitments and contingencies
Beban operasional lainnya Other operating expenses
Beban umum dan administrasi ( 44,478,982 ) ( 44,069,940 ) General and administrative expenses
Beban penjualan Selling expenses
Beban sewa, pemeliharaan, dan perbaikan ( 2,677,001 ) ( 2,674,358 ) Rent, maintenance and improvement expenses
Beban provisi dan komisi ( 1,091,973 ) ( 1,191,845 ) Other fees and commissions expenses
Beban operasional lainnya ( 5,619,535 ) ( 5,323,915 ) Other operating expenses
Jumlah laba operasional 74,641,563 56,168,089 Total profit from operation
Pendapatan dan beban bukan operasional Non-operating income and expense
Pendapatan bukan operasional 43,318 209,637 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 74,684,881 56,377,726 Total profit (loss) before tax
Pendapatan (beban) pajak ( 14,633,011 ) ( 11,425,358 ) Tax benefit (expenses)
Jumlah laba (rugi) dari operasi yang dilanjutkan 60,051,870 44,952,368 Total profit (loss) from continuing operations
Laba (rugi) dari operasi yang dihentikan Profit (loss) from discontinued operations
Jumlah laba (rugi) 60,051,870 44,952,368 Total profit (loss)
Pendapatan komprehensif lainnya, sebelum pajak Other comprehensive income, before tax
Pendapatan komprehensif lainnya yang tidak akan direklasifikasi ke laba rugi, sebelum pajak Other comprehensive income that will not be reclassified to profit or loss, before tax
Pendapatan komprehensif lainnya atas keuntungan (kerugian) hasil revaluasi aset tetap, sebelum pajak 0 4,574,057 Other comprehensive income for gains (losses) on revaluation of property and equipment, before tax
Pendapatan komprehensif lainnya atas pengukuran kembali kewajiban manfaat pasti, sebelum pajak ( 14,912 ) 444,272 Other comprehensive income for remeasurement of defined benefit obligation, before tax
Penyesuaian lainnya atas pendapatan komprehensif lainnya yang tidak akan direklasifikasi ke laba rugi, sebelum pajak Other adjustments to other comprehensive income that will not be reclassified to profit or loss, before tax
Jumlah pendapatan komprehensif lainnya yang tidak akan direklasifikasi ke laba rugi, sebelum pajak ( 14,912 ) 5,018,329 Total other comprehensive income that will not be reclassified to profit or loss, before tax
Pendapatan komprehensif lainnya yang akan direklasifikasi ke laba rugi, sebelum pajak Other comprehensive income that may be reclassified to profit or loss, before tax
Keuntungan (kerugian) selisih kurs penjabaran, sebelum pajak ( 86,953 ) 36,152 Gains (losses) on exchange differences on translation, before tax
Penyesuaian reklasifikasi selisih kurs penjabaran, sebelum pajak Reclassification adjustments on exchange differences on translation, before tax
Keuntungan (kerugian) yang belum direalisasi atas perubahan nilai wajar aset keuangan melalui penghasilan komprehensif lain, sebelum pajak 1,125,822 ( 5,631,137 ) Unrealised gains (losses) on changes in fair value through other comprehensive income, before tax
Penyesuaian reklasifikasi atas aset keuangan nilai wajar melalui pendapatan komprehensif lainnya, sebelum pajak Reclassification adjustments on fair value through other comprehensive income financial assets, before tax
Keuntungan (kerugian) lindung nilai arus kas, sebelum pajak 23,030 ( 7,002 ) Gains (losses) on cash flow hedges, before tax
Penyesuaian reklasifikasi atas lindung nilai arus kas, sebelum pajak Reclassification adjustments on cash flow hedges, before tax
Nilai tercatat dari aset (liabilitas) non-keuangan yang perolehan atau keterjadiannya merupakan suatu prakiraan transaksi yang kemungkinan besar terjadi yang dilindung nilai, sebelum pajak Carrying amount of non-financial asset (liability) whose acquisition or incurrence was hedged on highly probable forecast transaction, adjusted from equity, before tax
Keuntungan (kerugian) lindung nilai investasi bersih kegiatan usaha luar negeri, sebelum pajak Gains (losses) on hedges of net investments in foreign operations, before tax
Penyesuaian reklasifikasi atas lindung nilai investasi bersih kegiatan usaha luar negeri, sebelum pajak Reclassification adjustments on hedges of net investments in foreign operations, before tax
Bagian pendapatan komprehensif lainnya dari entitas asosiasi yang dicatat dengan menggunakan metode ekuitas, sebelum pajak Share of other comprehensive income of associates accounted for using equity method, before tax
Bagian pendapatan komprehensif lainnya dari entitas ventura bersama yang dicatat dengan menggunakan metode ekuitas, sebelum pajak Share of other comprehensive income of joint ventures accounted for using equity method, before tax
Penyesuaian lainnya atas pendapatan komprehensif lainnya yang akan direklasifikasi ke laba rugi, sebelum pajak Other adjustments to other comprehensive income that may be reclassified to profit or loss, before tax
Jumlah pendapatan komprehensif lainnya yang akan direklasifikasi ke laba rugi, sebelum pajak 1,061,899 ( 5,601,987 ) Total other comprehensive income that may be reclassified to profit or loss, before tax
Jumlah pendapatan komprehensif lainnya, sebelum pajak 1,046,987 ( 583,658 ) Total other comprehensive income, before tax
Pajak atas pendapatan komprehensif lainnya ( 140,898 ) 977,832 Tax on other comprehensive income
Jumlah pendapatan komprehensif lainnya, setelah pajak 906,089 394,174 Total other comprehensive income, after tax
Jumlah laba rugi komprehensif 60,957,959 45,346,542 Total comprehensive income
Laba (rugi) yang dapat diatribusikan Profit (loss) attributable to
Laba (rugi) yang dapat diatribusikan ke entitas induk 55,060,057 41,170,637 Profit (loss) attributable to parent entity
Laba (rugi) yang dapat diatribusikan ke kepentingan non-pengendali 4,991,813 3,781,731 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 55,916,730 41,604,619 Comprehensive income attributable to parent entity
Laba rugi komprehensif yang dapat diatribusikan ke kepentingan non-pengendali 5,041,229 3,741,923 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 589.93 441.26 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 589.93 441.26 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 11,666,667 17,643,264 34,716,693 ( 60,427 ) ( 2,768,553 ) ( 3,156 ) 1,510,016 85,052
Penyesuaian
Penerapan awal standar akuntansi baru dan revisi
Perubahan kebijakan akuntansi secara sukarela
Koreksi kesalahan periode lalu
Penyesuaian lainnya
Posisi ekuitas, awal periode 11,666,667 17,643,264 34,716,693 ( 60,427 ) ( 2,768,553 ) ( 3,156 ) 1,510,016 85,052
Laba (rugi)
Pendapatan komprehensif lainnya ( 85,872 ) 930,793 4,585 7,167
Penjabaran laporan keuangan
Pembentukan cadangan umum
Pembentukan cadangan khusus
Distribusi dividen kas
Distribusi dividen saham
Penerbitan saham biasa
Penerbitan saham preferen
Biaya emisi efek
Penerbitan instrumen yang dapat dikonversi
Kenaikan (penurunan) ekuitas melalui transaksi saham tresuri
Kenaikan (penurunan) ekuitas melalui transaksi pembayaran berbasis saham
Pelaksanaan instrumen yang dapat dikonversi
Pelaksanaan waran
Kenaikan (penurunan) ekuitas melalui transaksi dengan pemilik ekuitas
Setoran modal dari kepentingan non-pengendali
Perubahan kepentingan non-pengendali atas akuisisi entitas anak
Perubahan kepentingan non-pengendali atas pendirian entitas anak
Perubahan kepentingan non-pengendali atas pelepasan entitas anak
Perubahan kepentingan non-pengendali atas pelepasan operasi yang dihentikan
Perubahan kepentingan non-pengendali atas pelepasan sebagian kepemilikan pada entitas anak yang tidak mengakibatkan hilangnya pengendalian
Perubahan kepentingan non-pengendali atas transaksi lainnya dengan kepentingan non-pengendali
Eliminasi defisit dalam rangka kuasi reorganisasi
Pelaksanaan opsi saham
Dampak penerapan psak no. 70 atas aset pengampunan pajak
Saldo penyesuaian dampak penerapan retrospektif atas PSAK
Transaksi ekuitas lainnya
Posisi ekuitas, akhir periode 11,666,667 17,643,264 34,716,693 ( 146,299 ) ( 1,837,760 ) 1,429 1,517,183 85,052
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 11,666,667 17,643,264 ( 150,895 ) 30,140,345 ( 88,985 ) 1,692,145 ( 370 ) 1,217,456 85,052
Penyesuaian
Penerapan awal standar akuntansi baru dan revisi
Perubahan kebijakan akuntansi secara sukarela
Koreksi kesalahan periode lalu
Penyesuaian lainnya
Posisi ekuitas, awal periode 11,666,667 17,643,264 ( 150,895 ) 30,140,345 ( 88,985 ) 1,692,145 ( 370 ) 1,217,456 85,052
Laba (rugi)
Pendapatan komprehensif lainnya 4,576,348 28,558 ( 4,460,698 ) ( 2,786 ) 292,560
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 150,895
Kenaikan (penurunan) ekuitas melalui transaksi pembayaran berbasis saham
Pelaksanaan instrumen yang dapat dikonversi
Pelaksanaan waran
Kenaikan (penurunan) ekuitas melalui transaksi dengan pemilik ekuitas
Setoran modal dari kepentingan non-pengendali
Perubahan kepentingan non-pengendali atas akuisisi entitas anak
Perubahan kepentingan non-pengendali atas pendirian entitas anak
Perubahan kepentingan non-pengendali atas pelepasan entitas anak
Perubahan kepentingan non-pengendali atas pelepasan operasi yang dihentikan
Perubahan kepentingan non-pengendali atas pelepasan sebagian kepemilikan pada entitas anak yang tidak mengakibatkan hilangnya pengendalian
Perubahan kepentingan non-pengendali atas transaksi lainnya dengan kepentingan non-pengendali
Eliminasi defisit dalam rangka kuasi reorganisasi
Pelaksanaan opsi saham
Dampak penerapan psak no. 70 atas aset pengampunan pajak
Saldo penyesuaian dampak penerapan retrospektif atas PSAK
Transaksi ekuitas lainnya ( 69,682 ) 75,234 ( 94,207 )
Posisi ekuitas, akhir periode 11,666,667 17,643,264 0 34,716,693 ( 60,427 ) ( 2,768,553 ) ( 3,156 ) 1,510,016 85,052
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 360,960,278 419,557,380 Interest, investment income, fees and commissions received
Pembayaran bunga dan bonus, provisi dan komisi ( 254,340,760 ) ( 315,601,524 ) 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 Revenue receipts from fund management as mudharib
Pembayaran bagi hasil dana syirkah temporer Payments of temporary syirkah funds
Penerimaan premi asuransi Receipts from insurance premiums
Penerimaan klaim reasuransi Receipts from reinsurance claims
Penerimaan (pembayaran) komisi Receipts (payments) of commission
Penerimaan klaim retrosesi Receipts from retrocession claims
Penerimaan dari ujrah Receipts of ujrah
Penerimaan dari (pembayaran kepada) lembaga kliring dan penjaminan Receipts from (payments to) clearing and guarantee institution
Penerimaan dari (pembayaran kepada) nasabah Receipts from (payments to) customers
Pencairan (penempatan) deposito pada lembaga kliring dan penjaminan Withdrawal (placement) of deposits to clearing and guarantee institution
Pendapatan dari transaksi operasional lainnya 5,527,300 3,932,497 Income from other operating transactions
Penerimaan kembali aset yang telah dihapusbukukan 12,159,217 8,204,315 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 ( 25,143,475 ) ( 22,892,424 ) Payments for salaries and allowances
Pembayaran pajak penghasilan badan ( 13,729,286 ) ( 11,909,631 ) Payments for corporate income tax
Pembayaran beban umum dan administrasi ( 18,165,992 ) ( 17,867,331 ) Payments for general and administrative expense
Laba (rugi) selisih kurs Foreign currency gains (losses)
Penerimaan pengembalian (pembayaran) pajak penghasilan Refunds (payments) of income tax
Pembayaran beban operasional lainnya ( 8,868,375 ) ( 7,030,620 ) Payments for other operating expenses
Penerimaan pendapatan non-operasional 34,694 206,816 Receipts from non-operating income
Pengembalian (penempatan) uang jaminan Repayment (placement) of refundable deposits
Penerimaan (pengeluaran) kas lainnya dari aktivitas operasi 4,371,516 ( 1,557,115 ) 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 1,300,258 702,604 Decrease (increase) in placements with other banks and Bank Indonesia
Penurunan (kenaikan) efek yang diperdagangkan ( 4,523,193 ) 4,340,432 Decrease (increase) in marketable securities
Penurunan (kenaikan) efek yang dibeli dengan janji dijual kembali ( 10,986,939 ) 15,611,011 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 7,748,711 ( 4,494,996 ) Decrease (increase) in bills and other receivables
Penurunan (kenaikan) tagihan akseptasi Decrease (increase) in acceptance receivables
Penurunan (kenaikan) pinjaman yang diberikan ( 208,103,942 ) ( 166,685,974 ) Decrease (increase) in loans
Penurunan (kenaikan) piutang pembiayaan konsumen ( 10,159,382 ) ( 5,370,202 ) Decrease (increase) in consumer financing receivables
Penurunan (kenaikan) investasi sewa 307,195 ( 1,090,046 ) 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 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 ( 8,389,070 ) ( 2,747,386 ) Decrease (increase) in other assets
Kenaikan (penurunan) liabilitas operasi Increase (decrease) in operating liabilities
Kenaikan (penurunan) liabilitas segera 428,927 ( 1,324,445 ) Increase (decrease) in obligations due immediately
Kenaikan (penurunan) giro dan tabungan simpanan nasabah 63,049,099 177,929,257 Increase (decrease) in current accounts and customers savings
Kenaikan (penurunan) deposito berjangka nasabah ( 4,339,508 ) 4,414,976 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 Increase (decrease) in other banks saving deposits
Kenaikan (penurunan) giro mudharabah Increase (decrease) in mudharabah current account
Kenaikan (penurunan) tabungan mudharabah Increase (decrease) in mudharabah savings deposits
Kenaikan (penurunan) efek yang dijual dengan janji dibeli kembali Increase (decrease) in securities sold under repurchase agreement
Kenaikan (penurunan) liabilitas akseptasi Increase (decrease) in acceptance payables
Kenaikan (penurunan) liabilitas pemegang polis pada kontrak unit-linked ( 515,525 ) ( 947,343 ) Increase (decrease) in liabilities to policyholder on unit-linked contracts
Kenaikan (penurunan) liabilitas derivatif Increase (decrease) in derivative payables
Kenaikan (penurunan) dana syirkah temporer 30,079,071 19,294,992 Increase (decrease) in temporary syirkah funds
Kenaikan (penurunan) liabilitas lainnya 11,676,701 5,300,062 Increase (decrease) in other liabilities
Jumlah arus kas bersih yang diperoleh dari (digunakan untuk) aktivitas operasi ( 69,622,480 ) 99,975,305 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 ( 7,500,467 ) 10,165,845 Proceeds from equity investments classified as amortized cost and fair value through other comprehensive income
Pencairan (penempatan) obligasi dan (atau) sukuk 30,052,757 ( 44,524,940 ) Withdrawal (placement) of bonds and (or) sukuk
Penerimaan dividen dari aktivitas investasi Dividends received from investing activities
Penerimaan dari penjualan (perolehan) properti investasi Proceeds from disposal (acquisition) of investment properties
Penerimaan dari penjualan (perolehan) aset tetap ( 4,717,321 ) ( 6,130,723 ) Proceeds from disposal (acquisition) of property and equipment
Penerimaan dari penjualan (perolehan) aset takberwujud selain goodwill ( 1,934,659 ) ( 1,091,799 ) Proceeds from disposal (acquisition) of intangible assets other than goodwill
Pencairan (penempatan) aset keuangan nilai wajar melalui pendapatan komprehensif lainnya Withdrawal (placement) of financial assets fair value through other comprehensive income
Penempatan aset keuangan biaya perolehan diamortisasi Placement of financial assets amotized cost investments
Pencairan aset keuangan biaya perolehan diamortisasi Withdrawal of financial assets amortized cost investments
Penerimaan dari (pembayaran kepada) pinjaman polis Receipts from (payments for) policy loans
Pembayaran untuk perolehan entitas anak Payments for acquisition of subsidiaries
Penerimaan dari pelepasan entitas anak Proceeds from sales of subsidiaries
Pembayaran untuk perolehan tambahan kepemilikan pada entitas anak Payments for acquisition of additional interests in subsidiaries
Pencairan (penempatan) efek-efek yang diperdagangkan Withdrawal (placement) of marketable securities
Penerimaan dari pelepasan kepentingan di entitas anak tanpa hilangnya pengendalian dari kegiatan investasi Proceeds from sales of interests in subsidiaries without loss of control from investing activities
Pembayaran untuk perolehan kepemilikan pada entitas asosiasi Payments for acquisition of interests in associates
Penerimaan dari pelepasan kepemilikan pada entitas asosiasi 140,000 Proceeds from sales of interests in associates
Penerimaan (pengeluaran) kas lainnya dari aktivitas investasi ( 29,770 ) ( 308,314 ) Other cash inflows (outflows) from investing activities
Jumlah arus kas bersih yang diperoleh dari (digunakan untuk) aktivitas investasi 16,010,540 ( 41,889,931 ) 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 4,745,379 ( 1,481,434 ) 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 67,056,159 23,013,205 Proceeds from borrowings
Pembayaran pinjaman yang diterima ( 34,822,471 ) ( 12,180,020 ) Payments for borrowings
Penerimaan pinjaman subordinasi 100,000 Proceeds from subordinated loans
Pembayaran pinjaman subordinasi ( 517,151 ) ( 12,900 ) Payments of subordinated loans
Pembayaran bunga pinjaman Payments of interests from borrowings
Penerimaan dari penerbitan obligasi Proceeds from bonds issuance
Pembayaran utang obligasi Payments of bonds payable
Pembayaran biaya emisi penerbitan obligasi Payments of bonds issuance costs
Obligasi subordinasi yang diterbitkan Subordinated bonds issued
Pembayaran obligasi subordinasi Payments of subordinated bonds
Biaya emisi obligasi subordinasi yang diterbitkan Subordinated bonds issuance costs
Penerimaan dari surat utang jangka menengah Proceeds from medium term notes
Pembayaran dari surat utang jangka menengah Payments of medium term notes
Penerimaan dari penerbitan saham baru Proceeds from issuance of new stocks
Pembayaran biaya emisi saham Payments of stock issuance costs
Penerimaan setoran modal Proceeds from capital contributions
Penerimaan dari penambahan kepemilikan dari non-pengendali 2,164,564 Proceed from increase of non-controlling interest
Penjualan (pembelian) dari saham tresuri Sales (purchase) of treasury stocks
Penerimaan dari program opsi saham karyawan Proceeds from employee stock options program
Penyelesaian (penempatan) transaksi derivatif Settlement (placement) of derivative transactions
Pembayaran dividen dari aktivitas pendanaan ( 24,702,382 ) ( 16,816,893 ) Dividends paid from financing activities
Penerimaan (pengeluaran) kas lainnya dari aktivitas pendanaan 11,611,121 18,642,798 Other cash inflows (outflows) from financing activities
Jumlah arus kas bersih yang diperoleh dari (digunakan untuk) aktivitas pendanaan 23,470,655 13,329,320 Total net cash flows received from (used in) financing activities
Jumlah kenaikan (penurunan) bersih kas dan setara kas ( 30,141,285 ) 71,414,694 Total net increase (decrease) in cash and cash equivalents
Kas dan setara kas arus kas, awal periode 274,889,544 193,631,712 Cash and cash equivalents cash flows, beginning of the period
Efek perubahan nilai kurs pada kas dan setara kas ( 946,566 ) 9,843,138 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 243,801,693 274,889,544 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 41,356,880 33,518 27,327 41,417,725 Land, directly owned Carrying amount, gross
Bangunan dan fasilitasnya, dimiliki langsung 11,158,849 154,831 ( 241,080 ) 824,486 11,897,086 Building and leasehold improvement, directly owned
Mesin dan peralatan, dimiliki langsung Machinery and equipment, directly owned
Alat berat, dimiliki langsung Heavy equipment, directly owned
Alat pengangkutan, dimiliki langsung Transportation equipment, directly owned
Perabot dan peralatan kantor, dimiliki langsung 15,148,376 403,071 ( 279,005 ) 314,621 15,587,063 Furniture and office equipment, directly owned
Kendaraan bermotor, dimiliki langsung 250,858 11,322 ( 15,458 ) 317 247,039 Motor vehicle, directly owned
Pesawat, dimiliki langsung Aircraft, directly owned
Kapal, dimiliki langsung Vessels, directly owned
Menara telekomunikasi, dimiliki langsung BTS Tower, directly owned
Jaringan Fiber Optik, dimiliki langsung Fiber Optic Network, directly owned
Infrastruktur Telekomunikasi, dimiliki langsung Telecommunication Infrastructure, directly owned
Peralatan Teknikal, dimiliki langsung Technical Equipment, directly owned
Lainnya, dimiliki langsung Others, directly owned
Dimiliki langsung 67,914,963 602,742 ( 535,543 ) 1,166,751 69,148,913 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 6,933,206 1,998,278 ( 203,979 ) 8,727,505 Others, right of use assets
Aset hak guna 6,933,206 1,998,278 ( 203,979 ) 8,727,505 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 3,121,729 2,483,635 ( 1,166,751 ) 4,438,613 Others, assets under construction
Aset dalam penyelesaian 3,121,729 2,483,635 ( 1,166,751 ) 4,438,613 Assets under construction
Aset tetap 77,969,898 5,084,655 ( 739,522 ) 0 82,315,031 Property, plant, and equipment
Akumulasi depresiasi Tanah, dimiliki langsung Land, directly owned Carrying amount, accumulated depreciation
Bangunan dan fasilitasnya, dimiliki langsung 4,116,724 652,142 ( 7,036 ) 4,761,830 Building and leasehold improvement, directly owned
Mesin dan peralatan, dimiliki langsung Machinery and equipment, directly owned
Alat berat, dimiliki langsung Heavy equipment, directly owned
Alat pengangkutan, dimiliki langsung Transportation equipment, directly owned
Perabot dan peralatan kantor, dimiliki langsung 12,789,030 972,153 ( 278,970 ) 13,482,213 Furniture and office equipment, directly owned
Kendaraan bermotor, dimiliki langsung 200,679 16,684 ( 15,458 ) 201,905 Motor vehicle, directly owned
Pesawat, dimiliki langsung Aircraft, directly owned
Kapal, dimiliki langsung Vessels, directly owned
Menara telekomunikasi, dimiliki langsung BTS Tower, directly owned
Jaringan Fiber Optik, dimiliki langsung Fiber Optic Network, directly owned
Infrastruktur Telekomunikasi, dimiliki langsung Telecommunication Infrastructure, directly owned
Peralatan Teknikal, dimiliki langsung Technical Equipment, directly owned
Lainnya, dimiliki langsung Others, directly owned
Dimiliki langsung 17,106,433 1,640,979 ( 301,464 ) 18,445,948 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 4,322,899 1,760,281 ( 191,804 ) 5,891,376 Others, right of use assets
Aset hak guna 4,322,899 1,760,281 ( 191,804 ) 5,891,376 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 21,429,332 3,401,260 ( 493,268 ) 24,337,324 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 56,540,566 1,683,395 ( 246,254 ) 57,977,707 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 35,703,009 845,040 243,083 4,565,748 41,356,880 Land, directly owned Carrying amount, gross
Bangunan dan fasilitasnya, dimiliki langsung 8,744,626 549,251 ( 1,423 ) 1,866,395 11,158,849 Building and leasehold improvement, directly owned
Mesin dan peralatan, dimiliki langsung Machinery and equipment, directly owned
Alat berat, dimiliki langsung Heavy equipment, directly owned
Alat pengangkutan, dimiliki langsung Transportation equipment, directly owned
Perabot dan peralatan kantor, dimiliki langsung 14,041,216 473,980 ( 52,242 ) 685,422 15,148,376 Furniture and office equipment, directly owned
Kendaraan bermotor, dimiliki langsung 230,748 15,603 ( 944 ) 5,451 250,858 Motor vehicle, directly owned
Pesawat, dimiliki langsung Aircraft, directly owned
Kapal, dimiliki langsung Vessels, directly owned
Menara telekomunikasi, dimiliki langsung BTS Tower, directly owned
Jaringan Fiber Optik, dimiliki langsung Fiber Optic Network, directly owned
Infrastruktur Telekomunikasi, dimiliki langsung Telecommunication Infrastructure, directly owned
Peralatan Teknikal, dimiliki langsung Technical Equipment, directly owned
Lainnya, dimiliki langsung Others, directly owned
Dimiliki langsung 58,719,599 1,883,874 ( 54,609 ) 2,800,351 4,565,748 67,914,963 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 4,984,633 2,255,067 ( 306,494 ) 6,933,206 Others, right of use assets
Aset hak guna 4,984,633 2,255,067 ( 306,494 ) 6,933,206 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 3,799,035 2,123,973 ( 928 ) ( 2,800,351 ) 3,121,729 Others, assets under construction
Aset dalam penyelesaian 3,799,035 2,123,973 ( 928 ) ( 2,800,351 ) 3,121,729 Assets under construction
Aset tetap 67,503,267 6,262,914 ( 362,031 ) 0 4,565,748 77,969,898 Property, plant, and equipment
Akumulasi depresiasi Tanah, dimiliki langsung Land, directly owned Carrying amount, accumulated depreciation
Bangunan dan fasilitasnya, dimiliki langsung 3,554,636 563,517 ( 1,423 ) (6) 4,116,724 Building and leasehold improvement, directly owned
Mesin dan peralatan, dimiliki langsung Machinery and equipment, directly owned
Alat berat, dimiliki langsung Heavy equipment, directly owned
Alat pengangkutan, dimiliki langsung Transportation equipment, directly owned
Perabot dan peralatan kantor, dimiliki langsung 11,855,255 985,823 ( 52,048 ) 12,789,030 Furniture and office equipment, directly owned
Kendaraan bermotor, dimiliki langsung 185,647 15,970 ( 944 ) 6 200,679 Motor vehicle, directly owned
Pesawat, dimiliki langsung Aircraft, directly owned
Kapal, dimiliki langsung Vessels, directly owned
Menara telekomunikasi, dimiliki langsung BTS Tower, directly owned
Jaringan Fiber Optik, dimiliki langsung Fiber Optic Network, directly owned
Infrastruktur Telekomunikasi, dimiliki langsung Telecommunication Infrastructure, directly owned
Peralatan Teknikal, dimiliki langsung Technical Equipment, directly owned
Lainnya, dimiliki langsung Others, directly owned
Dimiliki langsung 15,595,538 1,565,310 ( 54,415 ) 0 17,106,433 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 2,762,937 1,852,876 ( 292,914 ) 4,322,899 Others, right of use assets
Aset hak guna 2,762,937 1,852,876 ( 292,914 ) 0 4,322,899 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 18,358,475 3,418,186 ( 347,329 ) 0 21,429,332 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 49,144,792 2,844,728 ( 14,702 ) 0 4,565,748 56,540,566 Property, plant, and equipment Carrying amount
Page 13
[4611100] Disclosure of Notes to the financial statements - Property, Plant and Equipment - Financial and Sharia Industry
Pengungkapan Disclosure
2023-12-31
Pengungkapan Disclosure
Pengungkapan catatan atas aset tetap Disclosure of notes for property, plant and equipment
Page 14
[4612100a_BD] Notes to the financial statements - Loans and Sharia receivables - by type (breakdown) - Financial and Sharia Industry
Pinjaman berdasarkan tipe Loans by type
Jumlah pinjaman, kotor
Total loans, gross
Current Special mention Substandard Doubtful Loss Total Loans by collectibility
Jumlah Pinjaman berdasarkan
Lancar Dalam perhatian khusus Kurang lancar Diragukan Macet
kolektibilitas
Rupiah Modal kerja 316,785,774 16,650,280 1,089,742 1,844,987 3,380,063 339,750,846 Rupiah Working capital
Investasi 256,040,232 7,996,955 479,367 751,776 557,217 265,825,547 Investment
Sindikasi 57,613,732 553,493 0 0 0 58,167,225 Syndicated
Program pemerintah 82,634,275 2,333,056 320,372 362,568 246,081 85,896,352 Government programs
Karyawan 44,768,536 170,995 18 416 11,784 44,951,749 Employee
Ekspor 5,100,758 18,596 0 0 55,041 5,174,395 Export
Subjumlah pinjaman lainnya 0 0 0 0 0 0 Others, subtotal loans
Konsumen 284,907,917 10,905,841 1,602,292 1,766,055 1,787,444 300,969,549 Consumer
Subjumlah Pinjaman berdasarkan tipe 1,047,851,224 38,629,216 3,491,791 4,725,802 6,037,630 1,100,735,663 Subtotal Loans by type
Mata uang asing Modal kerja 42,753,144 4,583,064 0 512,217 86,490 47,934,915 Foreign currencies Working capital
Investasi 119,995,135 5,390,280 0 0 939,931 126,325,346 Investment
Sindikasi 67,864,704 3,873,273 333,794 0 0 72,071,771 Syndicated
Program pemerintah 0 0 0 0 0 0 Government programs
Karyawan 0 0 0 0 0 0 Employee
Ekspor 10,590,111 0 0 0 5,842 10,595,953 Export
Subjumlah pinjaman lainnya 0 0 0 0 0 0 Others, subtotal loans
Konsumen 2,166,147 2,306 0 0 94 2,168,547 Consumer
Subjumlah Pinjaman berdasarkan tipe 243,369,241 13,848,923 333,794 512,217 1,032,357 259,096,532 Subtotal Loans by type
Pinjaman berdasarkan tipe Loans by type
Jumlah pinjaman, kotor
Total loans, gross
Current Special mention Substandard Doubtful Loss Total Loans by collectibility
Jumlah Pinjaman berdasarkan
Lancar Dalam perhatian khusus Kurang lancar Diragukan Macet
kolektibilitas
Rupiah Modal kerja 250,991,964 10,697,514 979,736 3,063,325 6,645,262 272,377,801 Rupiah Working capital
Investasi 226,470,307 7,911,481 317,884 1,077,416 2,200,218 237,977,306 Investment
Sindikasi 40,711,583 553,493 0 0 0 41,265,076 Syndicated
Program pemerintah 77,896,456 1,754,495 187,519 252,912 302,022 80,393,404 Government programs
Karyawan 41,178,248 142,355 241 243 11,438 41,332,525 Employee
Ekspor 5,146,401 210,021 0 1,297 1,836 5,359,555 Export
Subjumlah pinjaman lainnya 0 0 0 0 0 0 Others, subtotal loans
Konsumen 251,098,043 8,102,973 1,167,506 1,193,778 1,687,887 263,250,187 Consumer
Subjumlah Pinjaman berdasarkan tipe 893,493,002 29,372,332 2,652,886 5,588,971 10,848,663 941,955,854 Subtotal Loans by type
Mata uang asing Modal kerja 33,289,396 4,563,143 0 525,451 2,502,475 40,880,465 Foreign currencies Working capital
Investasi 108,233,714 6,457,629 0 0 169,646 114,860,989 Investment
Sindikasi 62,210,780 3,530,433 388,533 0 81 66,129,827 Syndicated
Program pemerintah 0 0 0 0 0 0 Government programs
Karyawan 0 0 0 0 0 0 Employee
Ekspor 6,593,776 27,163 0 0 0 6,620,939 Export
Subjumlah pinjaman lainnya 0 0 0 0 0 0 Others, subtotal loans
Konsumen 2,151,708 0 0 100 0 2,151,808 Consumer
Subjumlah Pinjaman berdasarkan tipe 212,479,374 14,578,368 388,533 525,551 2,672,202 230,644,028 Subtotal Loans by type
Pinjaman berdasarkan tipe Loans by type
Jumlah pinjaman, kotor
Total loans, gross
Current Special mention Substandard Doubtful Loss Total Loans by collectibility
Jumlah Pinjaman berdasarkan
Lancar Dalam perhatian khusus Kurang lancar Diragukan Macet
kolektibilitas
Subjumlah Seluruh Mata Uang Subjumlah Pinjaman berdasarkan tipe 1,291,220,465 52,478,139 3,825,585 5,238,019 7,069,987 1,359,832,195 Subtotal on all Currencies Subtotal Loans by type
Pinjaman berdasarkan tipe Loans by type
Jumlah pinjaman, kotor
Total loans, gross
Current Special mention Substandard Doubtful Loss Total Loans by collectibility
Jumlah Pinjaman berdasarkan
Lancar Dalam perhatian khusus Kurang lancar Diragukan Macet
kolektibilitas
Subjumlah Seluruh Mata Uang Subjumlah Pinjaman berdasarkan tipe 1,105,972,376 43,950,700 3,041,419 6,114,522 13,520,865 1,172,599,882 Subtotal on all Currencies Subtotal Loans by type
Pinjaman berdasarkan tipe Loans by type
Current Loss Substandard Doubtful Special mention Total Loans by collectibility
Jumlah Pinjaman berdasarkan
Lancar Macet Kurang lancar Diragukan Dalam perhatian khusus
kolektibilitas
Jumlah pinjaman berdasarkan tipe Total loans by type
Jumlah pinjaman, kotor 1,291,220,465 7,069,987 3,825,585 5,238,019 52,478,139 1,359,832,195 Total loans, gross
Cadangan kerugian penurunan nilai pada pinjaman yang diberikan ( 22,594,287 ) ( 6,205,166 ) ( 1,892,707 ) ( 3,606,428 ) ( 18,800,031 ) ( 53,098,619 ) Allowance for impairment losses for loans
Jumlah pinjaman, bersih 1,268,626,178 864,821 1,932,878 1,631,591 33,678,108 1,306,733,576 Total loans, net
Pinjaman berdasarkan tipe Loans by type
Current Loss Substandard Doubtful Special mention Total Loans by collectibility
Jumlah Pinjaman berdasarkan
Lancar Macet Kurang lancar Diragukan Dalam perhatian khusus
kolektibilitas
Jumlah pinjaman berdasarkan tipe Total loans by type
Jumlah pinjaman, kotor 1,105,972,376 13,520,865 3,041,419 6,114,522 43,950,700 1,172,599,882 Total loans, gross
Cadangan kerugian penurunan nilai pada pinjaman yang diberikan ( 28,002,738 ) ( 12,500,722 ) ( 2,008,421 ) ( 4,613,690 ) ( 17,487,074 ) ( 64,612,645 ) Allowance for impairment losses for loans
Jumlah pinjaman, bersih 1,077,969,638 1,020,143 1,032,998 1,500,832 26,463,626 1,107,987,237 Total loans, net
Page 15
[4613100a_BD] Notes to the financial statements - Loans and Sharia receivables - by Economic Sector (breakdown) - Financial and Sharia Industry
2023-12-31
Pinjaman berdasarkan sektor ekonomi Loans by economic sector Pinjaman berdasarkan sektor ekonomi Loans by ec
Jumlah pinjaman, kotor Jumlah pinjaman, kotor
Total loans, gross Total loans, gross
Current Special mention Substandard Doubtful Loss Total Loans by collectibility Current Special mention Substandard Doubtful Loss Total Loans by collectibility
Jumlah Pinjaman berdasarkan Jumlah Pinjaman berdasarkan
Lancar Dalam perhatian khusus Kurang lancar Diragukan Macet Lancar Dalam perhatian khusus Kurang lancar Diragukan Macet
kolektibilitas kolektibilitas
Rupiah Perindustrian 96,389,797 5,574,697 327,885 1,756,839 2,523,558 106,572,776 Rupiah Manufacturing Rupiah Perindustrian 87,135,139 6,545,837 445,949 2,613,555 4,294,810 101,035,290 Rupiah
Perdagangan, restoran dan hotel 137,847,825 4,810,608 541,032 624,058 695,261 144,518,784 Trading, restaurants and hotels Perdagangan, restoran dan hotel 124,738,067 5,136,611 593,425 699,554 2,535,107 133,702,764 Trading, r
Pertanian 134,626,317 1,246,457 789,707 225,507 264,402 137,152,390 Agriculture Pertanian 117,284,450 1,218,362 147,565 413,580 359,545 119,423,502
Jasa dunia usaha 99,761,989 2,858,468 79,817 75,716 160,574 102,936,564 Business services Jasa dunia usaha 76,172,877 2,539,976 128,079 128,439 146,124 79,115,495
Konstruksi 80,755,330 8,841,050 27,757 183,092 443,925 90,251,154 Construction Konstruksi 76,736,734 2,949,699 75,331 493,094 149,070 80,403,928
Pengangkutan, pergudangan dan komunikasi 69,830,623 1,061,043 69,738 36,148 46,754 71,044,306 Transportation, warehousing and communications Pengangkutan, pergudangan dan komunikasi 58,226,250 1,428,492 53,784 20,356 1,548,302 61,277,184 Transportation, warehousing
Listrik, gas dan air 19,834,863 554,285 1,655 269 3,411 20,394,483 Electricity, gas and water Listrik, gas dan air 16,440,654 556,975 13,316 98 4,192 17,015,235
Jasa sosial 40,235,685 551,061 21,925 27,952 33,781 40,870,404 Social services Jasa sosial 26,329,757 478,334 11,414 9,059 41,629 26,870,193
Pertambangan 33,758,498 1,712,255 7,750 7,557 7,575 35,493,635 Mining Pertambangan 14,103,302 172,080 5,319 7,498 26,348 14,314,547
Properti 0 0 0 0 0 0 Property Properti 0
Lain-lain 334,810,297 11,419,292 1,624,525 1,788,664 1,858,389 351,501,167 Other sectors Lain-lain 296,325,772 8,345,966 1,178,704 1,203,738 1,743,536 308,797,716
Subjumlah Pinjaman berdasarkan sektor ekonomi 1,047,851,224 38,629,216 3,491,791 4,725,802 6,037,630 1,100,735,663 Subtotal Loans by economic sector Subjumlah Pinjaman berdasarkan sektor ekonomi 893,493,002 29,372,332 2,652,886 5,588,971 10,848,663 941,955,854 Subtotal Loan
Mata uang asing Perindustrian 59,793,004 6,151,042 0 512,217 1,026,421 67,482,684 Foreign currencies Manufacturing Mata uang asing Perindustrian 49,078,510 9,240,341 0 525,451 2,575,053 61,419,355 Foreign currencies
Perdagangan, restoran dan hotel 9,339,003 68,164 0 0 0 9,407,167 Trading, restaurants and hotels Perdagangan, restoran dan hotel 12,945,523 119,609 0 0 0 13,065,132 Trading, r
Pertanian 4,848,674 0 0 0 0 4,848,674 Agriculture Pertanian 5,720,538 0 0 0 0 5,720,538
Jasa dunia usaha 12,439,707 458,492 0 0 5,842 12,904,041 Business services Jasa dunia usaha 8,009,334 19,215 0 0 0 8,028,549
Konstruksi 1,768,457 3,156,929 0 0 0 4,925,386 Construction Konstruksi 2,628,999 1,134,208 0 0 0 3,763,207
Pengangkutan, pergudangan dan komunikasi 20,472,108 455,061 0 0 0 20,927,169 Transportation, warehousing and communications Pengangkutan, pergudangan dan komunikasi 15,108,933 468,500 0 0 28,139 15,605,572 Transportation, warehousing
Listrik, gas dan air 25,797,065 3,491,766 333,794 0 0 29,622,625 Electricity, gas and water Listrik, gas dan air 21,408,464 3,530,433 388,533 0 0 25,327,430
Jasa sosial 36,953,028 0 0 0 0 36,953,028 Social services Jasa sosial 23,333,551 0 0 0 0 23,333,551
Pertambangan 69,122,697 65,163 0 0 0 69,187,860 Mining Pertambangan 71,643,690 66,062 0 0 69,010 71,778,762
Properti 0 0 0 0 0 0 Property Properti 0 0 0 0 0 0
Lain-lain 2,835,498 2,306 0 0 94 2,837,898 Other sectors Lain-lain 2,601,832 0 0 100 0 2,601,932
Subjumlah Pinjaman berdasarkan sektor ekonomi 243,369,241 13,848,923 333,794 512,217 1,032,357 259,096,532 Subtotal Loans by economic sector Subjumlah Pinjaman berdasarkan sektor ekonomi 212,479,374 14,578,368 388,533 525,551 2,672,202 230,644,028 Subtotal Loan
2023-12-31
Pinjaman berdasarkan sektor ekonomi Loans by economic sector Pinjaman berdasarkan sektor ekonomi
Jumlah pinjaman, kotor Jumlah pinjaman, kotor
Total loans, gross Total loans, gross
Current Special mention Substandard Doubtful Loss Total Loans by collectibility Current Special mention Substandard Doubtful Loss Total Loans by collectibility
Jumlah Pinjaman berdasarkan Jumlah Pinjaman berdasarkan
Lancar Dalam perhatian khusus Kurang lancar Diragukan Macet Lancar Dalam perhatian khusus Kurang lancar Diragukan Macet
kolektibilitas kolektibilitas
Subjumlah Seluruh Mata Uang Subjumlah Pinjaman berdasarkan sektor ekonomi 1,291,220,465 52,478,139 3,825,585 5,238,019 7,069,987 1,359,832,195 Subtotal on all Currencies Subtotal Loans by economic sector Subjumlah Seluruh Mata Uang Subjumlah Pinjaman berdasarkan sektor ekonomi 1,105,972,376 43,950,700 3,041,419 6,114,522 13,520,865 1,172,599,882 Subtotal on all Currencies
2023-12-31
Pinjaman berdasarkan sektor ekonomi Loans by economic sector Pinjaman berdasarkan sektor ekonomi Loans by economic sector
Current Special mention Substandard Doubtful Loss Total Loans by collectibility Current Special mention Substandard Doubtful Loss Total Loans by collectibility
Jumlah Pinjaman berdasarkan Jumlah Pinjaman berdasarkan
Lancar Dalam perhatian khusus Kurang lancar Diragukan Macet Lancar Dalam perhatian khusus Kurang lancar Diragukan Macet
kolektibilitas kolektibilitas
Jumlah pinjaman berdasarkan sektor ekonomi Total loans by economic sector Jumlah pinjaman berdasarkan sektor ekonomi Total loans by economic sector
Jumlah pinjaman, kotor 1,291,220,465 52,478,139 3,825,585 5,238,019 7,069,987 1,359,832,195 Total loans, gross Jumlah pinjaman, kotor 1,105,972,376 43,950,700 3,041,419 6,114,522 13,520,865 1,172,599,882 Total loans, gross
Cadangan kerugian penurunan nilai pada pinjaman yang diberikan ( 22,594,287 ) ( 18,800,031 ) ( 1,892,707 ) ( 3,606,428 ) ( 6,205,166 ) ( 53,098,619 ) Allowance for impairment losses for loans Cadangan kerugian penurunan nilai pada pinjaman yang diberikan ( 28,002,738 ) ( 17,487,074 ) ( 2,008,421 ) ( 4,613,690 ) ( 12,500,722 ) ( 64,612,645 ) Allowance for impairment losses for loans
Jumlah pinjaman, bersih 1,268,626,178 33,678,108 1,932,878 1,631,591 864,821 1,306,733,576 Total loans, net Jumlah pinjaman, bersih 1,077,969,638 26,463,626 1,032,998 1,500,832 1,020,143 1,107,987,237 Total loans, net
Page 16
[4614100] Notes to the financial statements - Loans and Sharia receivables - Other Information - Financial and Sharia Industry
Informasi penting lainnya Loans other information
2023-12-31 2022-12-31
Informasi penting lainnya Loans other information
Tingkat suku bunga rata-rata (yield) dan kisaran bagi hasil per tahun Annual average yield rate and indicative profit sharing
Tingkat suku bunga rata-rata per tahun Annual yield rate
Tingkat suku bunga rata-rata per tahun rupiah 0.0085 0.00837 Annual yield rate of rupiah loans
Tingkat suku bunga rata-rata per tahun mata uang asing 0.00679 0.00445 Annual yield rate of foreign currencies loans
Kisaran bagi hasil per tahun Annual indicative profit sharing
Kisaran bagi hasil per tahun piutang murabahan dan istishna 0,00104 - 1,037 0,0003 - 1,158 Indicative profit sharing of murabahah and istishna receivables
Kisaran bagi hasil per tahun pembiayaan musyarakah 0,0212 - 1,417 0,0210 - 0,0808 Indicative profit sharing of musyarakah financing
Kisaran bagi hasil per tahun pembiayaan syariah lainnya 0,0401 - 1,405 0,0794 - 0,1059 Indicative profit sharing of other sharia financing
Cadangan kerugian penurunan nilai Movement of allowance for impairment losses on loans
Cadangan kerugian penurunan nilai, awal periode 64,612,645 68,588,680 Allowance for impairment of losses, beginning period
Pembentukan selama tahun berjalan 9,788,587 15,442,378 Provision during the year of allowance for impairment losses on loans
Penghapusbukuan ( 20,871,629 ) ( 16,883,940 ) Writing off of allowance for impairment losses on loans
Pemulihan pinjaman yang telah dihapusbukukan Recoveries of written-off of allowance for impairment losses on loans
Cadangan lain-lain ( 430,984 ) ( 2,534,473 ) Others allowance for impairment losses on loans
Dampak selisih akibat perbedaan kurs terhadap cadangan kerugian penurunan nilai pinjaman diberikan Foreign exchange translation impact on allowance for impairment losses on loans
Cadangan kerugian penurunan nilai, akhir periode 53,098,619 64,612,645 Allowance for impairment of losses, ending period
Rasio pinjaman Loan ratios
Non-performing financing - gross 0.0192 0.0188 Non-performing financing - gross
Non-performing financing - net 0.0031 0.0026 Non-performing financing - net
Page 17
[4621100_BD] Notes to the financial statements - Current Accounts and Wadiah Demand deposits (breakdown) - Financial and Sharia Industry
2023-12-31
Giro dan giro wadiah Current accounts and wadiah demand deposits Giro dan giro wadiah Current accounts and wadiah demand deposits
Giro Pihak berelasi Rupiah 95,956,127 Rupiah Related parties Current accounts Giro Pihak berelasi Rupiah 96,693,975 Rupiah Related parties Current accounts
Mata uang asing 70,681,705 Foreign currencies Mata uang asing 60,553,443 Foreign currencies
Subjumlah Seluruh Mata Uang 166,637,832 Subtotal on all Currencies Subjumlah Seluruh Mata Uang 157,247,418 Subtotal on all Currencies
Pihak ketiga Rupiah 270,787,431 Rupiah Third parties Pihak ketiga Rupiah 234,631,125 Rupiah Third parties
Mata uang asing 114,933,893 Foreign currencies Mata uang asing 127,199,419 Foreign currencies
Subjumlah Seluruh Mata Uang 385,721,324 Subtotal on all Currencies Subjumlah Seluruh Mata Uang 361,830,544 Subtotal on all Currencies
Giro wadiah Pihak berelasi Rupiah Rupiah Related parties Wadiah demand deposits Giro wadiah Pihak berelasi Rupiah Rupiah Related parties Wadiah demand deposits
Mata uang asing Foreign currencies Mata uang asing Foreign currencies
Subjumlah Seluruh Mata Uang Subtotal on all Currencies Subjumlah Seluruh Mata Uang Subtotal on all Currencies
Pihak ketiga Rupiah Rupiah Third parties Pihak ketiga Rupiah Rupiah Third parties
Mata uang asing Foreign currencies Mata uang asing Foreign currencies
Subjumlah Seluruh Mata Uang Subtotal on all Currencies Subjumlah Seluruh Mata Uang Subtotal on all Currencies
2023-12-31
Giro dan giro wadiah Current accounts and wadiah demand deposits Giro dan giro wadiah Current accounts and wadiah demand deposits
Giro Subjumlah Seluruh Pihak Subjumlah Seluruh Mata Uang 552,359,156 Subtotal on all Currencies Subtotal on all Parties Current accounts Giro Subjumlah Seluruh Pihak Subjumlah Seluruh Mata Uang 519,077,962 Subtotal on all Currencies Subtotal on all Parties Current accounts
Giro wadiah Subjumlah Seluruh Pihak Subjumlah Seluruh Mata Uang Subtotal on all Currencies Subtotal on all Parties Wadiah demand deposits Giro wadiah Subjumlah Seluruh Pihak Subjumlah Seluruh Mata Uang Subtotal on all Currencies Subtotal on all Parties Wadiah demand deposits
Page 18
[4622100_BD] Notes to the financial statements - Savings Deposits and Wadiah Savings Deposits (breakdown) - Financial and Sharia Industry
2023-12-31
Tabungan dan tabungan wadiah Savings deposits and wadiah savings deposits Tabungan dan tabungan wadiah Savings deposits and wadiah savings deposits
Tabungan Pihak berelasi Rupiah 3,749,398 Rupiah Related parties Savings deposits Tabungan Pihak berelasi Rupiah 3,641,055 Rupiah Related parties Savings deposits
Mata uang asing 3,791,143 Foreign currencies Mata uang asing 3,209,843 Foreign currencies
Subjumlah Seluruh Mata Uang 7,540,541 Subtotal on all Currencies Subjumlah Seluruh Mata Uang 6,850,898 Subtotal on all Currencies
Pihak ketiga Rupiah 465,890,488 Rupiah Third parties Pihak ketiga Rupiah 436,179,713 Rupiah Third parties
Mata uang asing 35,860,460 Foreign currencies Mata uang asing 37,452,155 Foreign currencies
Subjumlah Seluruh Mata Uang 501,750,948 Subtotal on all Currencies Subjumlah Seluruh Mata Uang 473,631,868 Subtotal on all Currencies
Tabungan wadiah Pihak berelasi Rupiah Rupiah Related parties Wadiah savings deposits Tabungan wadiah Pihak berelasi Rupiah Rupiah Related parties Wadiah savings deposits
Mata uang asing Foreign currencies Mata uang asing Foreign currencies
Subjumlah Seluruh Mata Uang Subtotal on all Currencies Subjumlah Seluruh Mata Uang Subtotal on all Currencies
Pihak ketiga Rupiah Rupiah Third parties Pihak ketiga Rupiah Rupiah Third parties
Mata uang asing Foreign currencies Mata uang asing Foreign currencies
Subjumlah Seluruh Mata Uang Subtotal on all Currencies Subjumlah Seluruh Mata Uang Subtotal on all Currencies
2023-12-31
Tabungan dan tabungan wadiah Savings deposits and wadiah savings deposits Tabungan dan tabungan wadiah Savings deposits and wadiah savings deposits
Tabungan Subjumlah Seluruh Pihak Subjumlah Seluruh Mata Uang 509,291,489 Subtotal on all Currencies Subtotal on all Parties Savings deposits Tabungan Subjumlah Seluruh Pihak Subjumlah Seluruh Mata Uang 480,482,766 Subtotal on all Currencies Subtotal on all Parties Savings deposits
Tabungan wadiah Subjumlah Seluruh Pihak Subjumlah Seluruh Mata Uang Subtotal on all Currencies Subtotal on all Parties Wadiah savings deposits Tabungan wadiah Subjumlah Seluruh Pihak Subjumlah Seluruh Mata Uang Subtotal on all Currencies Subtotal on all Parties Wadiah savings deposits
Page 19
[4623100_BD] Notes to the financial statements - Time deposits and Wakalah deposits (breakdown) - Financial and Sharia Industry
2023-12-31
Deposito berjangka dan deposito wakalah Time deposits and wakalah deposits Deposito berjangka dan deposito wakalah Time deposits and wakalah deposits
Deposito berjangka Pihak berelasi Rupiah 32,303,541 Rupiah Related parties Time deposits Deposito berjangka Pihak berelasi Rupiah 27,085,663 Rupiah Related parties Time deposits
Mata uang asing 2,549,440 Foreign currencies Mata uang asing 3,580,322 Foreign currencies
Subjumlah Seluruh Mata Uang 34,852,981 Subtotal on all Currencies Subjumlah Seluruh Mata Uang 30,665,985 Subtotal on all Currencies
Pihak ketiga Rupiah 226,435,645 Rupiah Third parties Pihak ketiga Rupiah 231,954,064 Rupiah Third parties
Mata uang asing 28,508,878 Foreign currencies Mata uang asing 33,395,152 Foreign currencies
Subjumlah Seluruh Mata Uang 254,944,523 Subtotal on all Currencies Subjumlah Seluruh Mata Uang 265,349,216 Subtotal on all Currencies
Deposito wakalah Pihak berelasi Rupiah Rupiah Related parties Wakalah deposits Deposito wakalah Pihak berelasi Rupiah Rupiah Related parties Wakalah deposits
Mata uang asing Foreign currencies Mata uang asing Foreign currencies
Subjumlah Seluruh Mata Uang Subtotal on all Currencies Subjumlah Seluruh Mata Uang Subtotal on all Currencies
Pihak ketiga Rupiah Rupiah Third parties Pihak ketiga Rupiah Rupiah Third parties
Mata uang asing Foreign currencies Mata uang asing Foreign currencies
Subjumlah Seluruh Mata Uang Subtotal on all Currencies Subjumlah Seluruh Mata Uang Subtotal on all Currencies
2023-12-31
Deposito berjangka dan deposito wakalah Time deposits and wakalah deposits Deposito berjangka dan deposito wakalah Time deposits and wakalah deposits
Deposito berjangka Subjumlah Seluruh Pihak Subjumlah Seluruh Mata Uang 289,797,504 Subtotal on all Currencies Subtotal on all Parties Time deposits Deposito berjangka Subjumlah Seluruh Pihak Subjumlah Seluruh Mata Uang 296,015,201 Subtotal on all Currencies Subtotal on all Parties Time deposits
Deposito wakalah Subjumlah Seluruh Pihak Subjumlah Seluruh Mata Uang Subtotal on all Currencies Subtotal on all Parties Wakalah deposits Deposito wakalah Subjumlah Seluruh Pihak Subjumlah Seluruh Mata Uang Subtotal on all Currencies Subtotal on all Parties Wakalah deposits
Page 20
[4624100] Notes to the financial statements - Annual average interest rate Third Party Funds - Financial and Sharia Industry
2023-12-31
Tingkat bunga rata-rata per tahun dana pihak ketiga Annual average interest rate third party funds Tingkat bunga rata-rata per tahun dana pihak ketiga Annual average interest rate third party funds
Tingkat bunga giro Rupiah 0.0264 Rupiah Current accounts interest rate Tingkat bunga giro Rupiah 0.018799999999999997 Rupiah Current accounts interest rate
Mata uang asing 0.0289 Foreign currencies Mata uang asing 0.0044 Foreign currencies
Subjumlah Seluruh Mata Uang Subtotal on all Currencies Subjumlah Seluruh Mata Uang Subtotal on all Currencies
Imbal hasil giro wadiah Rupiah 0,0002 - 0,0003 Rupiah Wadiah demand deposits return Imbal hasil giro wadiah Rupiah 0,0001 - 0,0003 Rupiah Wadiah demand deposits return
Mata uang asing 0,0000 - 0,0000 Foreign currencies Mata uang asing 0,0000 - 0,0000 Foreign currencies
Subjumlah Seluruh Mata Uang Subtotal on all Currencies Subjumlah Seluruh Mata Uang Subtotal on all Currencies
Tingkat bunga tabungan Rupiah 0.005 Rupiah Savings deposits interest rate Tingkat bunga tabungan Rupiah 0.0051 Rupiah Savings deposits interest rate
Mata uang asing 0.0018 Foreign currencies Mata uang asing 0.0019 Foreign currencies
Subjumlah Seluruh Mata Uang Subtotal on all Currencies Subjumlah Seluruh Mata Uang Subtotal on all Currencies
Imbal hasil tabungan wadiah Rupiah Rupiah Wadiah savings deposits return Imbal hasil tabungan wadiah Rupiah Rupiah Wadiah savings deposits return
Mata uang asing Foreign currencies Mata uang asing Foreign currencies
Subjumlah Seluruh Mata Uang Subtotal on all Currencies Subjumlah Seluruh Mata Uang Subtotal on all Currencies
Tingkat bunga deposito berjangka Rupiah 0.0353 Rupiah Time deposits interest rate Tingkat bunga deposito berjangka Rupiah 0.0263 Rupiah Time deposits interest rate
Mata uang asing 0.0346 Foreign currencies Mata uang asing 0.0101 Foreign currencies
Subjumlah Seluruh Mata Uang Subtotal on all Currencies Subjumlah Seluruh Mata Uang Subtotal on all Currencies
Imbal hasil deposito wakalah Rupiah Rupiah Wakalah deposits return Imbal hasil deposito wakalah Rupiah Rupiah Wakalah deposits return
Mata uang asing Foreign currencies Mata uang asing Foreign currencies
Subjumlah Seluruh Mata Uang Subtotal on all Currencies Subjumlah Seluruh Mata Uang Subtotal on all Currencies
Page 21
[4631100] Notes to the financial statements - Interest and Sharia Income - Financial and Sharia Industry
Pendapatan bunga dan syariah Interest and sharia income
2023-12-31 2022-12-31
Pendapatan bunga dan syariah Interest and sharia income
Pendapatan bunga Interest income
Kredit yang diberikan 84,335,234 69,373,441 Loans interest income
Obligasi pemerintah 16,410,277 16,771,870 Government bonds interest income
Pendapatan pembiayaan konsumen 6,285,050 4,962,803 Consumer financing receivables - net interest income
Efek-efek 2,742,203 2,795,951 Marketable securities income
Penempatan pada Bank Indonesia dan bank lain 3,224,536 1,445,773 Placements with Bank Indonesia and other banks income
Lain-lain 750,321 594,037 Other interest income
Subjumlah pendapatan bunga 113,747,621 95,943,875 Subtotal interest income
Pendapatan syariah dan pendapatan pengelolaan dana oleh bank sebagai mudharib Sharia income
Pendapatan keuntungan murabahah dan pendapatan bersih istishna 12,646,821 11,446,687 Murabahah and istishna income
Pendapatan bagi hasil musyarakah 5,853,512 4,727,321 Musyrakah profit sharing
Pendapatan bagi hasil mudharabah 97,479 142,040 Mudharabah profit sharing
Pendapatan ujrah dari pinjaman qardh Ujrah income from qardh financing
Pendapatan bersih ijarah 199,037 122,195 Ijarah income
Lain-lain Other sharia income
Subjumlah pendapatan syariah dan pendapatan pengelolaan dana oleh bank sebagai mudharib 18,796,849 16,438,243 Subtotal sharia income
Jumlah pendapatan bunga dan syariah 132,544,470 112,382,118 Total interest and sharia income
Page 22
[4632100] Notes to the financial statements - Interest and Sharia Expense - Financial and Sharia Industry
Beban bunga dan syariah Interest and sharia expense
2023-12-31 2022-12-31
Beban bunga dan syariah Interest and sharia expense
Beban bunga Interest expense
Deposito berjangka 9,480,299 7,130,837 Time deposits interest expense
Tabungan 2,082,251 1,983,441 Saving deposits interest expense
Pinjaman yang diterima 4,624,638 2,509,641 Borrowings interest expense
Premi penjaminan dana pihak ketiga Premium on third party fund guarantees
Giro 10,601,021 5,517,701 Current accounts interest expense
Efek-efek yang diterbitkan 2,484,487 2,320,021 Securities issued interest expense
Pinjaman dan efek-efek subordinasi 1,461 1,788 Subordinated securities interest expense
Lain-lain 1,390,571 983,166 Others interest expense interest expense
Subjumlah beban bunga 30,664,728 20,446,595 Subtotal interest expense
Beban syariah dan hak pihak ketiga atas bagi hasil dana syirkah temporer Sharia expense
Beban deposito mudharabah 4,148,029 2,874,965 Mudharabah deposits expense
Beban tabungan mudharabah 466,655 564,411 Mudharabah savings expense
Beban giro mudharabah Mudharabah demand deposits expense
Beban pinjamam mudharabah Mudharabah financing expense
Beban investasi terikat 119,316 59,848 Related investment expense
Musytarakah - mudharabah musytarakah 812,767 387,406 Musytarakah - mudharabah musytarakah expense
Sertifikat investasi mudharabah antarbank 192,366 132,936 Mudharabah investment certificate expense
Sukuk Sukuk expense
Piutang murabahah Murabahah receivables expense
Pinjaman qardh Qardh fund expense
Lain-lain 254,035 12,603 Other sharia expense
Subjumlah beban syariah dan hak pihak ketiga atas bagi hasil dana syirkah temporer 5,993,168 4,032,169 Subtotal sharia expense
Jumlah beban bunga dan syariah 36,657,896 24,478,764 Total interest and sharia expense
Page 23
[4695000_BD] Notes to the financial statements - Borrowings, by creditor, by currency (breakdown) - Financial and Sharia Industry
2023-12-31
Catatan pinjaman Notes for borrowings Catatan pinjaman Notes for borrowings
Catatan pinjaman [baris komponen] Catatan pinjaman [baris komponen]
Pinjaman dalam mata uang asing Pinjaman Pinjaman dalam mata uang asing Pinjaman
Bank Central Asia Tbk IDR 7,925,272 7,925,272 Bank Central Asia Tbk IDR Bank Central Asia Tbk IDR 5,732,180 5,732,180 Bank Central Asia Tbk IDR
AUD AUD AUD AUD
CAD CAD CAD CAD
CNY CNY CNY CNY
EUR EUR EUR EUR
HKD HKD HKD HKD
GBP GBP GBP GBP
JPY JPY JPY JPY
SGD SGD SGD SGD
THB THB THB THB
USD USD USD USD
Mata uang lainnya Other currency Mata uang lainnya Other currency
Mata uang 7,925,272 7,925,272 Currency Mata uang 5,732,180 5,732,180 Currency
Bank Rakyat Indonesia (Persero) Tbk IDR Bank Rakyat Indonesia (Persero) Tbk IDR Bank Rakyat Indonesia (Persero) Tbk IDR Bank Rakyat Indonesia (Persero) Tbk IDR
AUD AUD AUD AUD
CAD CAD CAD CAD
CNY CNY CNY CNY
EUR EUR EUR EUR
HKD HKD HKD HKD
GBP GBP GBP GBP
JPY JPY JPY JPY
SGD SGD SGD SGD
THB THB THB THB
USD USD USD USD
Mata uang lainnya Other currency Mata uang lainnya Other currency
Mata uang Currency Mata uang Currency
Bank Mandiri (Persero) Tbk IDR Bank Mandiri (Persero) Tbk IDR Bank Mandiri (Persero) Tbk IDR Bank Mandiri (Persero) Tbk IDR
AUD AUD AUD AUD
CAD CAD CAD CAD
CNY CNY CNY CNY
EUR EUR EUR EUR
HKD HKD HKD HKD
GBP GBP GBP GBP
JPY JPY JPY JPY
SGD SGD SGD SGD
THB THB THB THB
USD USD USD USD
Mata uang lainnya Other currency Mata uang lainnya Other currency
Mata uang Currency Mata uang Currency
Bank Syariah Indonesia Tbk IDR Bank Syariah Indonesia Tbk IDR Bank Syariah Indonesia Tbk IDR Bank Syariah Indonesia Tbk IDR
AUD AUD AUD AUD
CAD CAD CAD CAD
CNY CNY CNY CNY
EUR EUR EUR EUR
HKD HKD HKD HKD
GBP GBP GBP GBP
JPY JPY JPY JPY
SGD SGD SGD SGD
THB THB THB THB
USD USD USD USD
Mata uang lainnya Other currency Mata uang lainnya Other currency
Mata uang Currency Mata uang Currency
Bank Negara Indonesia (Persero) Tbk IDR 960,540 960,540 Bank Negara Indonesia (Persero) Tbk IDR Bank Negara Indonesia (Persero) Tbk IDR 1,239,578 1,239,578 Bank Negara Indonesia (Persero) Tbk IDR
AUD AUD AUD AUD
CAD CAD CAD CAD
CNY CNY CNY CNY
EUR EUR EUR EUR
HKD HKD HKD HKD
GBP GBP GBP GBP
JPY JPY JPY JPY
SGD SGD SGD SGD
THB THB THB THB
USD USD USD USD
Mata uang lainnya Other currency Mata uang lainnya Other currency
Mata uang 960,540 960,540 Currency Mata uang 1,239,578 1,239,578 Currency
Bank Jago Tbk IDR 49,875 49,875 Bank Jago Tbk IDR Bank Jago Tbk IDR Bank Jago Tbk IDR
AUD AUD AUD AUD
CAD CAD CAD CAD
CNY CNY CNY CNY
EUR EUR EUR EUR
HKD HKD HKD HKD
GBP GBP GBP GBP
JPY JPY JPY JPY
SGD SGD SGD SGD
THB THB THB THB
USD USD USD USD
Mata uang lainnya Other currency Mata uang lainnya Other currency
Mata uang 49,875 49,875 Currency Mata uang Currency
Bank Permata Tbk IDR 568,383 568,383 Bank Permata Tbk IDR Bank Permata Tbk IDR 683,222 683,222 Bank Permata Tbk IDR
AUD AUD AUD AUD
CAD CAD CAD CAD
CNY CNY CNY CNY
EUR EUR EUR EUR
HKD HKD HKD HKD
GBP GBP GBP GBP
JPY JPY JPY JPY
SGD SGD SGD SGD
THB THB THB THB
USD USD USD USD
Mata uang lainnya Other currency Mata uang lainnya Other currency
Mata uang 568,383 568,383 Currency Mata uang 683,222 683,222 Currency
Bank Mega Tbk IDR 216,461 216,461 Bank Mega Tbk IDR Bank Mega Tbk IDR 378,577 378,577 Bank Mega Tbk IDR
AUD AUD AUD AUD
CAD CAD CAD CAD
CNY CNY CNY CNY
EUR EUR EUR EUR
HKD HKD HKD HKD
GBP GBP GBP GBP
JPY JPY JPY JPY
SGD SGD SGD SGD
THB THB THB THB
USD USD USD USD
Mata uang lainnya Other currency Mata uang lainnya Other currency
Mata uang 216,461 216,461 Currency Mata uang 378,577 378,577 Currency
Bank Mayapada Internasional Tbk IDR Bank Mayapada Internasional Tbk IDR Bank Mayapada Internasional Tbk IDR Bank Mayapada Internasional Tbk IDR
AUD AUD AUD AUD
CAD CAD CAD CAD
CNY CNY CNY CNY
EUR EUR EUR EUR
HKD HKD HKD HKD
GBP GBP GBP GBP
JPY JPY JPY JPY
SGD SGD SGD SGD
THB THB THB THB
USD USD USD USD
Mata uang lainnya Other currency Mata uang lainnya Other currency
Mata uang Currency Mata uang Currency
Bank Danamon Indonesia Tbk IDR 1,573,619 1,573,619 Bank Danamon Indonesia Tbk IDR Bank Danamon Indonesia Tbk IDR 2,241,928 2,241,928 Bank Danamon Indonesia Tbk IDR
AUD AUD AUD AUD
CAD CAD CAD CAD
CNY CNY CNY CNY
EUR EUR EUR EUR
HKD HKD HKD HKD
GBP GBP GBP GBP
JPY JPY JPY JPY
Page 24
SGD SGD SGD SGD
THB THB THB THB
USD USD USD USD
Mata uang lainnya Other currency Mata uang lainnya Other currency
Mata uang 1,573,619 1,573,619 Currency Mata uang 2,241,928 2,241,928 Currency
Bank BTPN Syariah Tbk IDR Bank BTPN Syariah Tbk IDR Bank BTPN Syariah Tbk IDR Bank BTPN Syariah Tbk IDR
AUD AUD AUD AUD
CAD CAD CAD CAD
CNY CNY CNY CNY
EUR EUR EUR EUR
HKD HKD HKD HKD
GBP GBP GBP GBP
JPY JPY JPY JPY
SGD SGD SGD SGD
THB THB THB THB
USD USD USD USD
Mata uang lainnya Other currency Mata uang lainnya Other currency
Mata uang Currency Mata uang Currency
Bank Maybank Indonesia Tbk IDR 1,464,831 1,464,831 Bank Maybank Indonesia Tbk IDR Bank Maybank Indonesia Tbk IDR 568,732 568,732 Bank Maybank Indonesia Tbk IDR
AUD AUD AUD AUD
CAD CAD CAD CAD
CNY CNY CNY CNY
EUR EUR EUR EUR
HKD HKD HKD HKD
GBP GBP GBP GBP
JPY JPY JPY JPY
SGD SGD SGD SGD
THB THB THB THB
USD USD USD USD
Mata uang lainnya Other currency Mata uang lainnya Other currency
Mata uang 1,464,831 1,464,831 Currency Mata uang 568,732 568,732 Currency
Bank Pan Indonesia Tbk IDR 3,993,077 3,993,077 Bank Pan Indonesia Tbk IDR Bank Pan Indonesia Tbk IDR 3,048,510 3,048,510 Bank Pan Indonesia Tbk IDR
AUD AUD AUD AUD
CAD CAD CAD CAD
CNY CNY CNY CNY
EUR EUR EUR EUR
HKD HKD HKD HKD
GBP GBP GBP GBP
JPY JPY JPY JPY
SGD SGD SGD SGD
THB THB THB THB
USD USD USD USD
Mata uang lainnya Other currency Mata uang lainnya Other currency
Mata uang 3,993,077 3,993,077 Currency Mata uang 3,048,510 3,048,510 Currency
Bank Cimb Niaga Tbk IDR 607,627 607,627 Bank Cimb Niaga Tbk IDR Bank Cimb Niaga Tbk IDR 391,260 391,260 Bank Cimb Niaga Tbk IDR
AUD AUD AUD AUD
CAD CAD CAD CAD
CNY CNY CNY CNY
EUR EUR EUR EUR
HKD HKD HKD HKD
GBP GBP GBP GBP
JPY JPY JPY JPY
SGD SGD SGD SGD
THB THB THB THB
USD USD USD USD
Mata uang lainnya Other currency Mata uang lainnya Other currency
Mata uang 607,627 607,627 Currency Mata uang 391,260 391,260 Currency
Bank Rakyat Indonesia Agroniaga Tbk IDR Bank Rakyat Indonesia Agroniaga Tbk IDR Bank Rakyat Indonesia Agroniaga Tbk IDR Bank Rakyat Indonesia Agroniaga Tbk IDR
AUD AUD AUD AUD
CAD CAD CAD CAD
CNY CNY CNY CNY
EUR EUR EUR EUR
HKD HKD HKD HKD
GBP GBP GBP GBP
JPY JPY JPY JPY
SGD SGD SGD SGD
THB THB THB THB
USD USD USD USD
Mata uang lainnya Other currency Mata uang lainnya Other currency
Mata uang Currency Mata uang Currency
Bank Btpn Tbk IDR 250,000 250,000 Bank Btpn Tbk IDR Bank Btpn Tbk IDR Bank Btpn Tbk IDR
AUD AUD AUD AUD
CAD CAD CAD CAD
CNY CNY CNY CNY
EUR EUR EUR EUR
HKD HKD HKD HKD
GBP GBP GBP GBP
JPY JPY JPY JPY
SGD SGD SGD SGD
THB THB THB THB
USD USD USD USD
Mata uang lainnya Other currency Mata uang lainnya Other currency
Mata uang 250,000 250,000 Currency Mata uang Currency
Bank Tabungan Negara (Persero) Tbk IDR 805,084 805,084 Bank Tabungan Negara (Persero) Tbk IDR Bank Tabungan Negara (Persero) Tbk IDR 971,126 971,126 Bank Tabungan Negara (Persero) Tbk IDR
AUD AUD AUD AUD
CAD CAD CAD CAD
CNY CNY CNY CNY
EUR EUR EUR EUR
HKD HKD HKD HKD
GBP GBP GBP GBP
JPY JPY JPY JPY
SGD SGD SGD SGD
THB THB THB THB
USD USD USD USD
Mata uang lainnya Other currency Mata uang lainnya Other currency
Mata uang 805,084 805,084 Currency Mata uang 971,126 971,126 Currency
Bank OCBC Nisp Tbk IDR Bank OCBC Nisp Tbk IDR Bank OCBC Nisp Tbk IDR Bank OCBC Nisp Tbk IDR
AUD AUD AUD AUD
CAD CAD CAD CAD
CNY CNY CNY CNY
EUR EUR EUR EUR
HKD HKD HKD HKD
GBP GBP GBP GBP
JPY JPY JPY JPY
SGD SGD SGD SGD
THB THB THB THB
USD USD USD USD
Mata uang lainnya Other currency Mata uang lainnya Other currency
Mata uang Currency Mata uang Currency
Bank KB Bukopin Tbk IDR Bank KB Bukopin Tbk IDR Bank KB Bukopin Tbk IDR Bank KB Bukopin Tbk IDR
AUD AUD AUD AUD
CAD CAD CAD CAD
CNY CNY CNY CNY
EUR EUR EUR EUR
HKD HKD HKD HKD
GBP GBP GBP GBP
JPY JPY JPY JPY
SGD SGD SGD SGD
THB THB THB THB
USD USD USD USD
Mata uang lainnya Other currency Mata uang lainnya Other currency
Mata uang Currency Mata uang Currency
Bank Pembangunan Daerah Jawa Barat dan Banten Tbk IDR 1,443,489 1,443,489 Bank Pembangunan Daerah Jawa Barat dan Banten Tbk IDR Bank Pembangunan Daerah Jawa Barat dan Banten Tbk IDR 750,000 750,000 Bank Pembangunan Daerah Jawa Barat dan Banten Tbk IDR
AUD AUD AUD AUD
CAD CAD CAD CAD
CNY CNY CNY CNY
EUR EUR EUR EUR
HKD HKD HKD HKD
GBP GBP GBP GBP
JPY JPY JPY JPY
SGD SGD SGD SGD
THB THB THB THB
USD USD USD USD
Mata uang lainnya Other currency Mata uang lainnya Other currency
Mata uang 1,443,489 1,443,489 Currency Mata uang 750,000 750,000 Currency
Pinjaman sindikasi IDR Syndicated bank loans IDR Pinjaman sindikasi IDR 609,710 609,710 Syndicated bank loans IDR
Page 25
AUD AUD AUD AUD
CAD CAD CAD CAD
CNY CNY CNY CNY
EUR EUR EUR EUR
HKD HKD HKD HKD
GBP GBP GBP GBP
JPY JPY JPY JPY
SGD SGD SGD SGD
THB THB THB THB
USD USD USD USD
Mata uang lainnya Other currency Mata uang lainnya Other currency
Mata uang Currency Mata uang 609,710 609,710 Currency
Bank asing lainnya IDR Other foreign banks IDR Bank asing lainnya IDR Other foreign banks IDR
AUD AUD AUD AUD
CAD CAD CAD CAD
CNY CNY CNY CNY
EUR EUR EUR EUR
HKD HKD HKD HKD
GBP GBP GBP GBP
JPY JPY JPY JPY
SGD SGD SGD SGD
THB THB THB THB
USD 1,609,707,203,086 55,702,168 USD USD USD
Mata uang lainnya Other currency Mata uang lainnya 1,757,374,016 27,357,920 Other currency
Mata uang 1,609,707,203,086 55,702,168 Currency Mata uang 1,757,374,016 27,357,920 Currency
Bank lokal lainnya IDR 19,088,053 19,088,053 Other local banks IDR Bank lokal lainnya IDR 18,906,201 18,906,201 Other local banks IDR
AUD AUD AUD AUD
CAD CAD CAD CAD
CNY CNY CNY CNY
EUR EUR EUR EUR
HKD HKD HKD HKD
GBP GBP GBP GBP
JPY JPY JPY JPY
SGD SGD SGD SGD
THB THB THB THB
USD USD USD 1,200,752 1,200,752 USD
Mata uang lainnya Other currency Mata uang lainnya Other currency
Mata uang 19,088,053 19,088,053 Currency Mata uang 20,106,953 20,106,953 Currency
2023-12-31
Catatan pinjaman Notes for borrowings Catatan pinjaman Notes for borrowings
Catatan pinjaman [baris komponen] Catatan pinjaman [baris komponen]
Pinjaman dalam mata uang asing Pinjaman Pinjaman dalam mata uang asing Pinjaman
Kreditur nama bank Mata uang 95,445,459 95,445,459 Creditor bank name Currency Kreditur nama bank Mata uang 62,840,118 62,840,118 Creditor bank name Currency
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