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Nomor Surat S-245/PNM-DIR.KDR/SPR/III/26
Nama Emiten PT Permodalan Nasional Madani
Kode Emiten PNMP
Perihal Penyampaian Laporan Keuangan Tahunan
Perseroan dengan ini menyampaikan laporan keuangan untuk Tahun Bulan yang berakhir pada 31/12/2025 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 PNM Modal Ventura Jakarta 1999 Aktif 5.450.166 JUTAAN IDR 99.9997
Venture
Capital
2 PT PNM Manajer Jakarta 1996 Aktif 277.294 JUTAAN IDR 99.9991
Investment Investasi
Management
Dokumen ini merupakan dokumen resmi PT Permodalan Nasional Madani yang tidak memerlukan tanda tangan karena dihasilkan secara
elektronik. PT Permodalan Nasional Madani bertanggung jawab penuh atas informasi tertera di dalam dokumen ini.
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[1000000] General information
Informasi umum General information
31 December 2025
Informasi umum General information
Nama entitas PT Permodalan Nasional Madani Entity name
Penjelasan perubahan nama Explanation of change in
dari akhir periode laporan name from the end of the
sebelumnya preceding reporting period
Kode entitas PNMP Entity code
Nomor identifikasi entitas AA624 Entity identification number
Industri utama entitas Pembiayaan / Financing Entity main industry
Standar akutansi yang dipilih PSAK Selected accounting
standards
Sektor G. Financials Sector
Subsektor G2. Financing Service Subsector
Industri G22. Business Financing Industry
Subindustri G222. Specialize Business Financing Subindustry
Informasi pemegang saham National Corporation Controlling shareholder
pengendali information
Jenis entitas Local Company - Indonesia Jurisdiction Type of entity
Jenis efek yang dicatatkan Obligasi / Bond Type of listed securities
Jenis papan perdagangan Type of board on which the
tempat entitas tercatat entity is listed
Apakah merupakan laporan Entitas grup / Group entity Whether the financial
keuangan satu entitas atau statements are of an indi
suatu kelompok entitas vidual entity or a group of
entities
Periode penyampaian Tahunan / Annual Period of financial
laporan keuangan statements submissions
Tanggal Surat Pernyataan March 31, 2026 Date Of Board Of Directors'
Direksi Statement Letter
Tanggal awal periode January 01, 2025 Current period start date
berjalan
Tanggal akhir periode December 31, 2025 Current period end date
berjalan
Tanggal akhir tahun December 31, 2024 Prior year end date
sebelumnya
Tanggal awal periode January 01, 2024 Prior period start date
sebelumnya
Tanggal akhir periode December 31, 2024 Prior period end date
sebelumnya
Tanggal akhir 2 tahun December 31, 2023 Prior 2 year end date
sebelumnya
Mata uang pelaporan Rupiah / IDR Description of presentation
currency
Kurs konversi pada tanggal 16,782.00000 Conversion rate at reporting
pelaporan jika mata uang date if presentation currency
penyajian selain rupiah is other than rupiah
Pembulatan yang digunakan Jutaan / In Million Level of rounding used in
dalam penyajian jumlah financial statements
dalam laporan keuangan
Jenis laporan atas laporan Diaudit / Audited Type of report on financial
keuangan statements
Jenis opini auditor Wajar Tanpa Modifikasian / Unqualified Type of auditor's opinion
Hal yang diungkapkan dalam Matters disclosed in
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paragraf pendapat untuk emphasis-of-matter or
penekanan atas suatu other-matter paragraph, if
masalah atau paragraf any
penjelasan lainnya, jika ada
Hasil penugasan review Result of review engagement
Opini Hal Audit Utama Any Key Audit Matters
Opinion
Jumlah Hal Audit Utama Total Key Audit Matters
Paragraf Hal Audit Utama Key Audit Matters Paragraph
Tanggal laporan audit atau 2026-03-31 Date of auditor's opinion or
hasil laporan review result of review report
Auditor tahun berjalan KAP Purwanto Susanti dan Surja Current year auditor
Nama partner audit tahun Rindra Sulindro Name of current year audit
berjalan signing partner
Lama tahun penugasan 1 Number of years served as
partner yang audit signing partner
menandatangani
Auditor tahun sebelumnya KAP Purwantono, Sungkoro dan Surja Prior year auditor
Nama partner audit tahun Christophorus Alvin Kossim Name of prior year audit
sebelumnya signing partner
Kepatuhan terhadap Ya / Yes Whether in compliance with
pemenuhan peraturan OJK OJK rules No.
Nomor: 75/POJK.04/2017 75/POJK.04/2017 concerning
tentang Tanggung Jawab responsibilities of board of
Direksi Atas Laporan directors on financial
Keuangan statements
Kepatuhan terhadap Ya / Yes Compliance to the
pemenuhan independensi independency of Accountant
akuntan yang memberikan that provide services in
jasa audit di pasar modal Capital Market as regulated
sesuai dengan POJK Nomor in OJK rules No.
13/POJK.03/2017 tentang 13/POJK.03/2017 concerning
Penggunaan Jasa Akuntan The Use of Public
Publik dalam Kegiatan Jasa Accountant and Auditing
Keuangan Firm in Financial Services
Activities.
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[8220000] Statement of financial position presented using order of liquidity -
Financing Industry
Laporan posisi keuangan Statement of financial position
31 December 2025 31 December 2024
Laporan posisi keuangan Statement of financial position
Aset Assets
Kas dan setara kas 6,723 12,312 Cash and cash equivalents
Giro pada Bank Indonesia 0 0 Current accounts with Bank
Indonesia
Giro pada bank lain Current accounts with
other banks
Giro pada bank lain 234,443 240,244 Current accounts with
pihak ketiga other banks third parties
Giro pada bank lain 2,246,026 1,352,067 Current accounts with
pihak berelasi other banks related
parties
Penempatan pada Bank Placements with Bank
Indonesia dan bank lain Indonesia and other banks
Penempatan pada 153,027 1,872,474 Placements with Bank
Bank Indonesia dan Indonesia and other
bank lain pihak ketiga banks third parties
Penempatan pada 84,852 241,079 Placements with Bank
Bank Indonesia dan Indonesia and other
bank lain pihak banks related parties
berelasi
Aset keuangan yang 1,731,901 1,021,745 Financial assets at fair value
diukur pada nilai wajar through profit or loss
melalui laba rugi
Piutang asuransi Insurance receivables
Biaya akuisisi tangguhan Deferred acquisition costs
Efek yang dibeli dengan Securities purchased under
janji dijual kembali agreement to resale
Wesel ekspor dan tagihan Bills and other receivables
lainnya
Tagihan akseptasi Acceptance receivables
Piutang murabahah Murabahah receivables
Piutang murabahah Murabahah receivables
pihak ketiga third parties
Piutang murabahah Murabahah receivables
pihak berelasi related parties
Piutang istishna Istishna receivables
Piutang istishna pihak Istishna receivables third
ketiga parties
Piutang istishna pihak Istishna receivables
berelasi related parties
Piutang ijarah Ijarah receivables
Piutang ijarah pihak Ijarah receivables third
ketiga parties
Piutang ijarah pihak Ijarah receivables related
berelasi parties
Piutang pembiayaan Consumer financing
konsumen receivables
Piutang pembiayaan Consumer financing
konsumen pihak receivables third parties
ketiga
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Piutang pembiayaan Consumer financing
konsumen pihak receivables related
berelasi parties
Investasi sewa Lease investments
Investasi sewa pihak Lease investments third
ketiga parties
Investasi sewa pihak Lease investments
berelasi related parties
Investasi sewa nilai Lease investments
residu yang terjamin guaranteed residual
value
Investasi sewa Lease investments
pendapatan deferred financing
pembiayaan income
tangguhan
Investasi sewa Lease investments
simpanan jaminan guarantee deposits
Investasi sewa Lease investment in
pembiayaan finance leases
Pinjaman yang Loans
diberikan
Pinjaman yang 48,484,228 48,485,143 Loans third parties
diberikan pihak ketiga
Pinjaman yang 277 277 Loans related parties
diberikan pihak
berelasi
Cadangan kerugian ( 3,742,881 ) ( 4,893,999 ) Allowance for impairment
penurunan nilai pada losses for loans
pinjaman yang
diberikan
Pinjaman qardh Qardh funds
Pinjaman qardh pihak Qardh funds third parties
ketiga
Pinjaman qardh pihak Qardh funds related
berelasi parties
Pembiayaan Mudharabah financing
mudharabah
Pembiayaan Mudharabah financing
mudharabah pihak third parties
ketiga
Pembiayaan Mudharabah financing
mudharabah pihak related parties
berelasi
Pembiayaan Musyarakah financing
musyarakah
Pembiayaan Musyarakah financing
musyarakah pihak third parties
ketiga
Pembiayaan Musyarakah financing
musyarakah pihak related parties
berelasi
Tagihan anjak piutang Factoring receivables
Tagihan anjak piutang Factoring receivables
pihak ketiga third parties
Tagihan anjak piutang Factoring receivables
pihak berelasi related parties
Tagihan anjak piutang Factoring receivables on
pada pendapatan deferred factoring
anjak piutang income
tangguhan
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Piutang dari pihak Receivables from related
berelasi parties
Piutang lainnya 15,270 118,248 Other receivables
Aset tidak lancar atau 0 0 Non-current assets or
kelompok lepasan disposal groups classified as
diklasifikasikan sebagai held-for-sale
dimiliki untuk dijual
Aset tidak lancar atau Non-current assets or
kelompok lepasan disposal groups classified as
diklasifikasikan sebagai held-for-distribution to
dimiliki untuk owners
didistribusikan kepada
pemilik
Biaya dibayar dimuka 1,118,180 746,649 Prepaid expenses
Jaminan Guarantees
Pajak dibayar dimuka 352,848 175,274 Prepaid taxes
Klaim atas pengembalian Claims for tax refund
pajak
Aset keuangan nilai wajar Financial assets fair value
melalui pendapatan through other
komprehensif lainnya comprehensive income
Aset keuangan biaya Financial assets amortized
perolehan diamortisasi cost
Aset keuangan lainnya 1,946,061 1,619,275 Other financial assets
Tagihan derivatif Derivative receivables
Investasi yang dicatat Investments accounted for
dengan menggunakan using equity method
metode ekuitas
Investasi pada ventura Investments in joint
bersama dan entitas ventures and associates
asosiasi
Investasi pada entitas Investments in joint
ventura bersama ventures
Investasi pada entitas Investments in
asosiasi associates
Aset pajak tangguhan 817,537 978,330 Deferred tax assets
Aset reasuransi Reinsurance assets
Aset takberwujud selain 179,308 161,855 Intangible assets other than
goodwill goodwill
Goodwill Goodwill
Properti investasi Investment properties
Aset ijarah Ijarah assets
Aset sewa operasi Operating lease assets
Aset tetap 3,082,347 2,994,423 Property, plant, and
equipment
Aset hak guna Right of use assets
Agunan yang diambil alih Foreclosed assets
Aset lainnya 306,161 237,321 Other assets
Jumlah aset 57,016,308 55,362,717 Total assets
Liabilitas dan ekuitas Liabilities and equity
Liabilitas Liabilities
Liabilitas segera Obligations due
immediately
Efek yang dijual Securities sold with
dengan janji untuk repurchase agreement
dibeli kembali
Liabilitas derivatif Derivative payables
Utang asuransi Insurance payables
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Utang bunga 284,589 161,491 Interest payables
Utang penjaminan Guarantee payables
Utang usaha Accounts payable
Uang muka dan 3,456,267 3,324,902 Advances and
angsuran installments
Utang dealer Dealer payables
Utang dividen Dividends payable
Pinjaman yang Borrowings
diterima
Pinjaman yang Borrowings third
diterima pihak parties
ketiga
Pinjaman yang Borrowings related
diterima pihak parties
berelasi
Utang pihak berelasi Due to related parties
Utang pemegang Due to stockholders
saham
Liabilitas kontrak Insurance contract
asuransi liabilities
Kewajiban imbalan 178,266 98,198 Post-employment benefit
pasca kerja obligations
Provisi Provisions
Liabilitas atas kontrak Contract liabilities
Pendapatan Deferred income
ditangguhkan
Wesel bayar Notes payable
Efek yang diterbitkan Securities issued
Utang obligasi 2,676,432 4,241,210 Bonds payable
Sukuk 7,539,465 3,944,900 Sukuk
Surat utang jangka 515,380 498,000 Medium term notes
menengah
Obligasi Subordinated bonds
subordinasi
Efek yang Others securities
diterbitkan lainnya issued
Liabilitas sewa Finance lease liabilities
pembiayaan
Liabilitas keuangan 7,286,997 7,404,502 Other financial liabilities
lainnya
Beban akrual 1,079,468 1,083,277 Accrued expenses
Utang pajak 118,394 66,209 Taxes payable
Liabilitas pajak 12,909 15,664 Deferred tax liabilities
tangguhan
Liabilitas lainnya 1,041,911 1,038,593 Other liabilities
Sukuk mudharabah 0 0 Mudharabah sukuk
Utang bank 21,158,033 22,928,149 Bank loans
Pinjaman subordinasi Subordinated loans
Jumlah liabilitas 45,348,111 44,805,095 Total liabilities
Ekuitas Equity
Ekuitas yang Equity attributable to
diatribusikan kepada equity owners of
pemilik entitas induk parent entity
Saham biasa 3,800,000 3,800,000 Common stocks
Saham preferen Preferred stocks
Tambahan modal Additional paid-in
disetor capital
Saham treasuri Treasury stocks
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Uang muka Advances in capital
setoran modal stock
Opsi saham Stock options
Penjabaran Translation
laporan keuangan adjustment
Cadangan Revaluation reserves
revaluasi
Cadangan selisih Reserve of exchange
kurs penjabaran differences on
translation
Cadangan Reserve for changes
perubahan nilai in fair value of fair
wajar aset value through other
keuangan nilai comprehensive
wajar melalui income financial
pendapatan assets
komprehensif
lainnya
Cadangan Reserve of gains
keuntungan (losses) from
(kerugian) investasi investments in equity
pada instrumen instruments
ekuitas
Cadangan Reserve of
pembayaran share-based
berbasis saham payments
Cadangan lindung Reserve of cash flow
nilai arus kas hedges
Cadangan ( 21,321 ) ( 2,066 ) Reserve of
pengukuran remeasurements of
kembali program defined benefit plans
imbalan pasti
Cadangan lainnya Other reserves
Selisih Transaksi Difference Due to
Perubahan Ekuitas Changes of Equity in
Entitas Subsidiary/Associates
Anak/Asosiasi
Komponen ekuitas Other components of
lainnya equity
Saldo laba Retained earnings
(akumulasi (deficit)
kerugian)
Saldo laba Appropriated
yang telah retained
ditentukan earnings
penggunaanya
Cadangan 760,000 760,000 General and
umum dan legal reserves
wajib
Cadangan 30,633 30,633 Specific
khusus reserves
Saldo laba 7,073,028 5,936,221 Unappropriated
yang belum retained earnings
ditentukan
penggunaannya
Jumlah ekuitas 11,642,340 10,524,788 Total equity
yang attributable to
diatribusikan equity owners of
kepada pemilik parent entity
entitas induk
Proforma ekuitas Proforma equity
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Kepentingan 25,857 32,834 Non-controlling interests non-pengendali Jumlah ekuitas 11,668,197 10,557,622 Total equity Jumlah liabilitas dan 57,016,308 55,362,717 Total liabilities and equity ekuitas
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[8312000] Statement of profit or loss and other comprehensive income, OCI
components presented net of tax, by nature - Financing Industry
Laporan laba rugi dan penghasilan Statement of profit or loss and other
komprehensif lain comprehensive income
31 December 2025 31 December 2024
Laporan laba rugi dan Statement of profit or loss
penghasilan komprehensif and other comprehensive
lain income
Pendapatan Income
Pendapatan bunga dan 5,446,452 5,237,981 Interest and finance
keuangan income
Pendapatan dari Income from guarantee
penjaminan
Pendapatan dari Income from murabahah
murabahah dan istishna and istishna
Pendapatan dari bagi 10,512,999 11,407,188 Income from revenue
hasil sharing
Pendapatan dari ijarah Income from ijarah
Pendapatan dari Financing income
pembiayaan
Pendapatan dari Income from
pembiayaan consumer financing
konsumen
Pendapatan dari sewa Income from finance
pembiayaan lease
Pendapatan dari anjak Income from factoring
piutang
Pendapatan dari sewa Income from operating
operasi lease
Premi penjaminan Guarantee premiums
Pendapatan asuransi Insurance income
Pendapatan dari Income from
premi asuransi insurance premiums
Premi reasuransi Reinsurance
premiums
Premi retrosesi Retrocession
premiums
Penurunan (kenaikan) Decrease (increase) in
premi yang belum unearned premiums
merupakan
pendapatan
Penurunan (kenaikan) Decrease (increase) in
pendapatan premi premium income
disesikan kepada ceded to reinsurancer
reasuradur
Pendapatan komisi Insurance commission
asuransi income
Penerimaan ujrah Ujrah received
Keuntungan (kerugian) 81,050 39,299 Realised gains (losses)
atas perdagangan aset on trading of financial
keuangan yang telah assets
direalisasi
Keuntungan (kerugian) Unrealised gains (losses)
atas perdagangan aset on trading of financial
keuangan yang belum assets
direalisasi
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Pendapatan administrasi Administration income
Pendapatan dari provisi Income from provisions
dan komisi and commissions
Pendapatan dividen Dividends income
Keuntungan (kerugian) Realised gains (losses)
yang telah direalisasi atas from derivative
instrumen derivatif instruments
Penerimaan kembali aset Income from recovery of
yang telah written off assets
dihapusbukukan
Keuntungan (kerugian) 54 349 Gains (losses) on
selisih kurs mata uang changes in foreign
asing exchange rates
Keuntungan (kerugian) 56,019 41,426 Gains (losses) on
pelepasan aset tetap disposal of property and
equipment
Keuntungan (kerugian) Gains (losses) on
pelepasan agunan yang disposal of foreclosed
diambil alih assets
Keuntungan (kerugian) Gains (losses) on
pelepasan aset ijarah disposal of ijarah assets
Pemulihan penyisihan Recovery of impairment
kerugian penurunan nilai losses
Bagian atas laba (rugi) 0 0 Share of profit (loss) of
entitas asosiasi yang associates accounted for
dicatat dengan using equity method
menggunakan metode
ekuitas
Bagian atas laba (rugi) Share of profit (loss) of
entitas ventura bersama joint ventures accounted
yang dicatat for using equity method
menggunakan metode
ekuitas
Pendapatan lainnya 997,003 359,169 Other income
Keuntungan lainnya Other gains
Beban Expenses
Beban bunga dan ( 937,510 ) ( 751,472 ) Interest and finance costs
keuangan
Beban bagi hasil ( 1,502,901 ) ( 1,719,128 ) Revenue sharing
expenses
Beban asuransi Insurance expenses
Beban klaim Claim expenses
Klaim reasuransi Reinsurance claims
Klaim retrosesi Retrocession claims
Kenaikan (penurunan) Increase (decrease) in
estimasi liabilitas estimated claims
klaim liability
Kenaikan (penurunan) Increase (decrease) in
liabilitas manfaat polis liability for future
masa depan policy benefit
Kenaikan (penurunan) Increase (decrease) in
provisi yang timbul provision for losses
dari tes kecukupan arising from liability
liabilitas adequacy test
Kenaikan (penurunan) Increase (decrease) in
liabilitas asuransi yang insurance liabilities
disesikan kepada ceded to reinsurers
reasuradur
Kenaikan (penurunan) Increase (decrease) in
liabilitas pemegang liabilities to
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polis pada kontrak policyholder in
unit-linked unit-linked contracts
Beban komisi asuransi Insurance commission
expenses
Beban underwriting Other underwriting
lainnya expenses
Ujrah dibayar Ujrah paid
Beban akuisisi dari Acquisition costs of
kontrak asuransi insurance contracts
Pembentukan penyisihan ( 3,067,333 ) ( 3,761,400 ) Provision for impairment
kerugian penurunan nilai losses
Beban penjualan ( 96,540 ) ( 59,647 ) Selling expenses
Beban gaji dan tunjangan ( 5,474,005 ) ( 4,370,535 ) Salary and employee
karyawan benefit (expenses)
Beban umum dan ( 3,867,546 ) ( 3,798,362 ) General and
administrasi administrative expenses
Beban penyusutan ( 523,329 ) ( 567,303 ) Depreciation of
properti investasi, aset investment property,
sewa, aset tetap, aset lease assets, property
yang diambil alih dan aset and equipment,
ijarah foreclosed assets and
ijarah assets
Beban lainnya ( 105,198 ) ( 85,917 ) Other expenses
Kerugian lainnya Other losses
Jumlah laba (rugi) sebelum 1,519,215 1,971,648 Total profit (loss) before
pajak penghasilan tax
Pendapatan (beban) pajak ( 380,083 ) ( 473,617 ) Tax benefit (expenses)
Jumlah laba (rugi) dari 1,139,132 1,498,031 Total profit (loss) from
operasi yang dilanjutkan continuing operations
Laba (rugi) dari operasi yang Profit (loss) from
dihentikan discontinued operations
Jumlah laba (rugi) 1,139,132 1,498,031 Total profit (loss)
Pendapatan komprehensif Other comprehensive
lainnya, setelah pajak income, after tax
Pendapatan Other comprehensive
komprehensif lainnya income that will not be
yang tidak akan reclassified to profit or
direklasifikasi ke laba loss, after tax
rugi, setelah pajak
Pendapatan Other comprehensive
komprehensif lainnya income for gains
atas keuntungan (losses) on revaluation
(kerugian) hasil of property and
revaluasi aset tetap, equipment, after tax
setelah pajak
Pendapatan ( 19,247 ) ( 916 ) Other comprehensive
komprehensif lainnya income for
atas pengukuran remeasurement of
kembali kewajiban defined benefit
manfaat pasti, setelah obligation, after tax
pajak
Penyesuaian lainnya Other adjustments to
atas pendapatan other comprehensive
komprehensif lainnya income that will not be
yang tidak akan reclassified to profit or
direklasifikasi ke laba loss, after tax
rugi, setelah pajak
Jumlah pendapatan ( 19,247 ) ( 916 ) Total other
komprehensif comprehensive
lainnya yang tidak income that will not
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akan direklasifikasi be reclassified to
ke laba rugi, setelah profit or loss, after
pajak tax
Pendapatan Other comprehensive
komprehensif lainnya income that may be
yang akan reclassified to profit or
direklasifikasi ke laba loss, after tax
rugi, setelah pajak
Keuntungan Gains (losses) on
(kerugian) selisih kurs exchange differences
penjabaran, setelah on translation, after
pajak tax
Penyesuaian Reclassification
reklasifikasi selisih adjustments on
kurs penjabaran, exchange differences
setelah pajak on translation, after
tax
Keuntungan Unrealised gains
(kerugian) yang belum (losses) on changes in
direalisasi atas fair value through
perubahan nilai wajar other comprehensive
aset keuangan melalui income financial
penghasilan assets, after tax
komprehensif lain,
setelah pajak
Penyesuaian Reclassification
reklasifikasi atas aset adjustments on fair
keuangan nilai wajar value through other
melalui pendapatan comprehensive
komprehensif lainnya, income financial
setelah pajak assets, after tax
Keuntungan Gains (losses) on
(kerugian) lindung nilai cash flow hedges,
arus kas, setelah after tax
pajak
Penyesuaian Reclassification
reklasifikasi atas adjustments on cash
lindung nilai arus kas, flow hedges, after tax
setelah pajak
Nilai tercatat dari aset Carrying amount of
(liabilitas) non-financial asset
non-keuangan yang (liability) whose
perolehan atau acquisition or
keterjadiannya incurrence was
merupakan suatu hedged on highly
prakiraan transaksi probable forecast
yang kemungkinan transaction, adjusted
besar terjadi yang from equity, after tax
dilindung nilai, setelah
pajak
Keuntungan Gains (losses) on
(kerugian) lindung nilai hedges of net
investasi bersih investments in foreign
kegiatan usaha luar operations, after tax
negeri, setelah pajak
Penyesuaian Reclassification
reklasifikasi atas adjustments on
lindung nilai investasi hedges of net
bersih kegiatan usaha investments in foreign
luar negeri, setelah operations, after tax
pajak
Bagian pendapatan Share of other
komprehensif lainnya comprehensive
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dari entitas asosiasi income of associates
yang dicatat dengan accounted for using
menggunakan metode equity method, after
ekuitas, setelah pajak tax
Bagian pendapatan Share of other
komprehensif lainnya comprehensive
dari entitas ventura income of joint
bersama yang dicatat ventures accounted
dengan menggunakan for using equity
metode ekuitas, method, after tax
setelah pajak
Penyesuaian lainnya Other adjustments to
atas pendapatan other comprehensive
komprehensif lainnya income that may be
yang akan reclassified to profit or
direklasifikasi ke laba loss, after tax
rugi, setelah pajak
Jumlah pendapatan Total other
komprehensif comprehensive
lainnya yang akan income that may be
direklasifikasi ke reclassified to profit
laba rugi, setelah or loss, after tax
pajak
Jumlah pendapatan ( 19,247 ) ( 916 ) Total other
komprehensif lainnya, comprehensive income,
setelah pajak after tax
Jumlah laba rugi 1,119,885 1,497,115 Total comprehensive
komprehensif income
Laba (rugi) yang dapat Profit (loss) attributable to
diatribusikan
Laba (rugi) yang dapat 1,133,043 1,490,002 Profit (loss) attributable to
diatribusikan ke entitas parent entity
induk
Laba (rugi) yang dapat 6,089 8,029 Profit (loss) attributable to
diatribusikan ke non-controlling interests
kepentingan
non-pengendali
Laba rugi komprehensif Comprehensive income
yang dapat diatribusikan attributable to
Laba rugi komprehensif 1,113,788 1,489,080 Comprehensive income
yang dapat diatribusikan attributable to parent
ke entitas induk entity
Laba rugi komprehensif 6,097 8,035 Comprehensive income
yang dapat diatribusikan attributable to
ke kepentingan non-controlling interests
non-pengendali
Laba (rugi) per saham Earnings (loss) per share
Laba per saham dasar Basic earnings per
diatribusikan kepada share attributable to
pemilik entitas induk equity owners of the
parent entity
Laba (rugi) per saham 270,755 0.392105 Basic earnings (loss)
dasar dari operasi per share from
yang dilanjutkan continuing operations
Laba (rugi) per saham Basic earnings (loss)
dasar dari operasi per share from
yang dihentikan discontinued
operations
Laba (rugi) per saham Diluted earnings (loss)
dilusian per share
Laba (rugi) per saham 270,755 0.392105 Diluted earnings (loss)
Page 15
dilusian dari operasi per share from
yang dilanjutkan continuing operations
Laba (rugi) per saham Diluted earnings (loss)
dilusian dari operasi per share from
yang dihentikan discontinued
operations
Page 16
[8410000] Statement of changes in equity - Financing Industry
Laporan perubahan ekuitas Statement of changes in equity
Additional Reserve of exchange Reserve for changes in fair value of fair value Reserve of Reserve of Reserve of Difference Due to Changes of Difference in value of equity Other transactions with Other components
Common Preferred Treasury Advances in Stock Translation Revaluation Reserve of gains (losses) from Other Other equity Appropriated retained Appropriated retained Unappropriated retained Equity attributable to Proforma Non-controlling
paid-in differences on through other comprehensive income financial share-based cash flow remeasurements of defined Equity in transactions with non-controlling non-controlling of equity Equity
stocks stocks stocks capital stock options adjustment reserves investments in equity instruments reserves interests earnings-general and legal reserves earnings-specific reserves earnings parent entity equity interests
capital translation assets payments hedges benefit plans Subsidiary/Associates interests interests transactions
Tambahan Uang muka Penjabaran Cadangan perubahan nilai wajar aset keuangan Cadangan Cadangan Cadangan pengukuran Kepentingan Komponen Saldo laba yang telah ditentukan Saldo laba yang telah ditentukan Saldo laba yang belum Ekuitas yang dapat
Saham Saham Saham Opsi Cadangan Cadangan selisih kurs Cadangan keuntungan (kerugian) Cadangan Selisih Transaksi Perubahan Selisih transaksi ekuitas dengan Transaksi dengan pihak Proforma Kepentingan
modal setoran laporan nilai wajar melalui pendapatan komprehensif pembayaran lindung nilai kembali program imbalan ekuitas transaksi ekuitas penggunaannya-cadangan umum dan penggunaannya-cadangan ditentukan diatribusikan kepada Ekuitas
biasa preferen treasuri saham revaluasi penjabaran investasi pada instrumen ekuitas lainnya Ekuitas Entitas Anak/Asosiasi pihak non-pengendali non-pengendali lainnya ekuitas non-pengendali
disetor modal keuangan lainnya berbasis saham arus kas pasti lainnya lainnya wajib khusus penggunaannya entitas induk
Laporan perubahan ekuitas [baris komponen] Statement of changes in equity [line items]
Posisi ekuitas Equity position
Saldo awal periode sebelum penyajian kembali 3,800,000 0 ( 2,066 ) 760,000 30,633 5,936,221 10,524,788 32,834 10,557,622 Balance before restatement at beginning of
period
Penyesuaian Adjustments
Penerapan awal standar akuntansi baru dan revisi Initial adoption of new and revised accounting
standards
Perubahan kebijakan akuntansi secara sukarela Voluntary changes in accounting policies
Koreksi kesalahan periode lalu Correction of prior period errors
Penyesuaian lainnya Other adjustments
Posisi ekuitas, awal periode 3,800,000 0 0 0 0 0 0 0 0 0 0 0 0 ( 2,066 ) 0 0 0 0 0 0 760,000 30,633 5,936,221 10,524,788 0 32,834 10,557,622 Equity position, beginning of the period
Laba (rugi) 1,133,043 1,133,043 6,089 1,139,132 Profit (loss)
Pendapatan komprehensif lainnya 0 ( 19,255 ) ( 19,255 ) 8 ( 19,247 ) Other comprehensive income
Penjabaran laporan keuangan Translation adjustment
Pembentukan cadangan umum Allocation for general reserves
Pembentukan cadangan khusus Allocation for specific reserves
Distribusi dividen kas ( 5,232 ) ( 5,232 ) Distributions of cash dividends
Distribusi dividen saham Distributions of stock dividends
Penerbitan saham biasa Issuance of common stocks
Penerbitan saham preferen Issuance of preferred stocks
Biaya emisi efek Stock issuance costs
Penerbitan instrumen yang dapat dikonversi Issuance of convertible instruments
Kenaikan (penurunan) ekuitas melalui transaksi saham tresuri Increase (decrease) in equity through treasury
stock transactions
Kenaikan (penurunan) ekuitas melalui transaksi pembayaran berbasis saham Increase (decrease) in equity through
share-based payment transactions
Pelaksanaan instrumen yang dapat dikonversi Exercise of convertible instruments
Pelaksanaan waran Exercise of warrants
Kenaikan (penurunan) ekuitas melalui transaksi dengan pemilik ekuitas Increase (decrease) in equity through
transactions with owner's equity
Setoran modal dari kepentingan non-pengendali Stock subscription from non-controlling
interests
Perubahan kepentingan non-pengendali atas akuisisi entitas anak Changes in non-controlling interests due to
acquisition of subsidiaries
Perubahan kepentingan non-pengendali atas pendirian entitas anak Changes in non-controlling interests due to
establishment of subsidiaries
Perubahan kepentingan non-pengendali atas pelepasan entitas anak Changes in non-controlling interests due to
disposal of subsidiaries
Perubahan kepentingan non-pengendali atas pelepasan operasi yang Changes in non-controlling interests due to
dihentikan disposal of a discontinued operation
Perubahan kepentingan non-pengendali atas pelepasan sebagian Changes in non-controlling interests due to
kepemilikan pada entitas anak yang tidak mengakibatkan hilangnya partial disposal of interests in subsidiaries
pengendalian without loss of control
Perubahan kepentingan non-pengendali atas transaksi lainnya dengan Changes in non-controlling interests due to
kepentingan non-pengendali other transactions with non-controlling interests
Eliminasi defisit dalam rangka kuasi reorganisasi Elimination of deficit in connection with
quasi-reorganisation
Pelaksanaan opsi saham Stock options exercised
Dampak penerapan psak no. 70 atas aset pengampunan pajak Impact of psak no. 70 adoption on tax amnesty
assets
Saldo penyesuaian dampak penerapan retrospektif atas PSAK Retrospective adjustment of PSAK
implementation
Transaksi ekuitas lainnya 3,764 3,764 ( 7,842 ) ( 4,078 ) Other equity transactions
Posisi ekuitas, akhir periode 3,800,000 0 0 0 0 0 0 0 0 0 0 0 0 ( 21,321 ) 0 0 0 0 0 0 760,000 30,633 7,073,028 11,642,340 0 25,857 11,668,197 Equity position, end of the period
Page 17
[8410000] Statement of changes in equity - Financing Industry - Prior Year
Laporan perubahan ekuitas Statement of changes in equity
Additional Reserve of exchange Reserve for changes in fair value of fair value Reserve of Reserve of Reserve of Difference Due to Changes of Difference in value of equity Other transactions with Other components
Common Preferred Treasury Advances in Stock Translation Revaluation Reserve of gains (losses) from Other Other equity Appropriated retained Appropriated retained Unappropriated retained Equity attributable to Proforma Non-controlling
paid-in differences on through other comprehensive income financial share-based cash flow remeasurements of defined Equity in transactions with non-controlling non-controlling of equity Equity
stocks stocks stocks capital stock options adjustment reserves investments in equity instruments reserves interests earnings-general and legal reserves earnings-specific reserves earnings parent entity equity interests
capital translation assets payments hedges benefit plans Subsidiary/Associates interests interests transactions
Tambahan Uang muka Penjabaran Cadangan perubahan nilai wajar aset keuangan Cadangan Cadangan Cadangan pengukuran Kepentingan Komponen Saldo laba yang telah ditentukan Saldo laba yang telah ditentukan Saldo laba yang belum Ekuitas yang dapat
Saham Saham Saham Opsi Cadangan Cadangan selisih kurs Cadangan keuntungan (kerugian) Cadangan Selisih Transaksi Perubahan Selisih transaksi ekuitas dengan Transaksi dengan pihak Proforma Kepentingan
modal setoran laporan nilai wajar melalui pendapatan komprehensif pembayaran lindung nilai kembali program imbalan ekuitas transaksi ekuitas penggunaannya-cadangan umum dan penggunaannya-cadangan ditentukan diatribusikan kepada Ekuitas
biasa preferen treasuri saham revaluasi penjabaran investasi pada instrumen ekuitas lainnya Ekuitas Entitas Anak/Asosiasi pihak non-pengendali non-pengendali lainnya ekuitas non-pengendali
disetor modal keuangan lainnya berbasis saham arus kas pasti lainnya lainnya wajib khusus penggunaannya entitas induk
Laporan perubahan ekuitas [baris komponen] Statement of changes in equity [line items]
Posisi ekuitas Equity position
Saldo awal periode sebelum penyajian kembali 3,800,000 0 ( 1,144 ) 760,000 30,633 4,447,320 9,036,809 29,009 9,065,818 Balance before restatement at beginning of
period
Penyesuaian Adjustments
Penerapan awal standar akuntansi baru dan revisi Initial adoption of new and revised accounting
standards
Perubahan kebijakan akuntansi secara sukarela Voluntary changes in accounting policies
Koreksi kesalahan periode lalu Correction of prior period errors
Penyesuaian lainnya Other adjustments
Posisi ekuitas, awal periode 3,800,000 0 0 0 0 0 0 0 0 0 0 0 0 ( 1,144 ) 0 0 0 0 0 0 760,000 30,633 4,447,320 9,036,809 0 29,009 9,065,818 Equity position, beginning of the period
Laba (rugi) 1,490,002 1,490,002 8,029 1,498,031 Profit (loss)
Pendapatan komprehensif lainnya 0 ( 922 ) ( 922 ) 6 ( 916 ) Other comprehensive income
Penjabaran laporan keuangan Translation adjustment
Pembentukan cadangan umum Allocation for general reserves
Pembentukan cadangan khusus Allocation for specific reserves
Distribusi dividen kas Distributions of cash dividends
Distribusi dividen saham Distributions of stock dividends
Penerbitan saham biasa Issuance of common stocks
Penerbitan saham preferen Issuance of preferred stocks
Biaya emisi efek Stock issuance costs
Penerbitan instrumen yang dapat dikonversi Issuance of convertible instruments
Kenaikan (penurunan) ekuitas melalui transaksi saham tresuri Increase (decrease) in equity through treasury
stock transactions
Kenaikan (penurunan) ekuitas melalui transaksi pembayaran berbasis saham Increase (decrease) in equity through
share-based payment transactions
Pelaksanaan instrumen yang dapat dikonversi Exercise of convertible instruments
Pelaksanaan waran Exercise of warrants
Kenaikan (penurunan) ekuitas melalui transaksi dengan pemilik ekuitas Increase (decrease) in equity through
transactions with owner's equity
Setoran modal dari kepentingan non-pengendali Stock subscription from non-controlling
interests
Perubahan kepentingan non-pengendali atas akuisisi entitas anak Changes in non-controlling interests due to
acquisition of subsidiaries
Perubahan kepentingan non-pengendali atas pendirian entitas anak Changes in non-controlling interests due to
establishment of subsidiaries
Perubahan kepentingan non-pengendali atas pelepasan entitas anak Changes in non-controlling interests due to
disposal of subsidiaries
Perubahan kepentingan non-pengendali atas pelepasan operasi yang Changes in non-controlling interests due to
dihentikan disposal of a discontinued operation
Perubahan kepentingan non-pengendali atas pelepasan sebagian Changes in non-controlling interests due to
kepemilikan pada entitas anak yang tidak mengakibatkan hilangnya partial disposal of interests in subsidiaries
pengendalian without loss of control
Perubahan kepentingan non-pengendali atas transaksi lainnya dengan Changes in non-controlling interests due to
kepentingan non-pengendali other transactions with non-controlling interests
Eliminasi defisit dalam rangka kuasi reorganisasi Elimination of deficit in connection with
quasi-reorganisation
Pelaksanaan opsi saham Stock options exercised
Dampak penerapan psak no. 70 atas aset pengampunan pajak Impact of psak no. 70 adoption on tax amnesty
assets
Saldo penyesuaian dampak penerapan retrospektif atas PSAK Retrospective adjustment of PSAK
implementation
Transaksi ekuitas lainnya 0 ( 1,101 ) ( 1,101 ) ( 4,210 ) ( 5,311 ) Other equity transactions
Posisi ekuitas, akhir periode 3,800,000 0 0 0 0 0 0 0 0 0 0 0 0 ( 2,066 ) 0 0 0 0 0 0 760,000 30,633 5,936,221 10,524,788 0 32,834 10,557,622 Equity position, end of the period
Page 18
[8510000] Statement of cash flows, direct method - Financing Industry
Laporan arus kas Statement of cash flows
31 December 2025 31 December 2024
Laporan arus kas Statement of cash flows
Arus kas dari aktivitas Cash flows from operating
operasi activities
Penerimaan kas dari Cash receipts from
aktivitas operasi operating activities
Penerimaan dari sewa Receipts from finance
pembiayaan leases
Penerimaan dari Receipts from
pembiayaan consumer financing
konsumen
Penerimaan dari anjak Receipts from
piutang factoring
Pembayaran kas dari Cash payments from
aktivitas operasi operating activities
Pembayaran untuk Payments for finance
sewa pembiayaan leases
Pembayaran untuk Payments for
pembiayaan consumer financing
konsumen
Pembayaran untuk Payments for factoring
anjak piutang
Pembayaran beban Payments for general
umum dan and administrative
administrasi expense
Kas diperoleh dari Cash generated from
(digunakan untuk) (used in) operations
operasi
Penerimaan dari 1,106,590 1,039,343 Received from loan
kerjasama penerusan channeling and joint
pinjaman dan financing cooperation
pembiayaan bersama
Pembayaran untuk ( 1,202,045 ) ( 1,505,631 ) Payments for loan
kerjasama penerusan channeling and joint
pinjaman dan financing cooperation
pembiayaan bersama
Penerimaan bunga dari 52,583 49,706 Interests received from
aktivitas operasi operating activities
Pembayaran bunga dari ( 2,127,241 ) ( 2,316,501 ) Interests paid from
aktivitas operasi operating activities
Pembayaran pajak ( 211,748 ) ( 566,068 ) Payments for corporate
penghasilan badan income tax
Penerimaan ( 94,297 ) 0 Income taxes refunded
pengembalian (paid) from operating
(pembayaran) pajak activities
penghasilan dari aktivitas
operasi
Pengembalian Repayment (placement)
(penempatan) uang of refundable deposits
jaminan
Penerimaan bunga 14,720,973 14,791,749 Receipts of interest from
pinjaman diberikan loan receivable
Penerimaan ( 7,820,832 ) ( 5,726,810 ) Other cash inflows
(pengeluaran) kas lainnya (outflows) from operating
dari aktivitas operasi activities
Page 19
Arus kas sebelum 345,924 423,288 Net cash flows received
perubahan dalam aset from (used in) operating
dan liabilitas yang activities before changes
diperoleh dari (digunakan in assets and liabilities
untuk) aktivitas operasi
Penurunan (kenaikan) Decrease (increase)
aset operasi from operation assets
Penurunan (kenaikan) Decrease (increase)
efek-efek from securities
Penurunan (kenaikan) ( 4,078,059 ) ( 5,342,500 ) Decrease (increase)
kredit from credit
Penurunan (kenaikan) Decrease (increase)
aset lainnya from other assets
Kenaikan (penurunan) Increase (decrease)
liabilitas from liabilities
Kenaikan (penurunan) Increase (decrease)
simpanan dan from deposits and
simpanan dari bank deposits from other
lain banks
Kenaikan (penurunan) Increase (decrease)
liabilitas lainnya from other liabilities
Jumlah arus kas bersih 345,924 423,288 Total net cash flows
yang diperoleh dari received from (used in)
(digunakan untuk) operating activities
aktivitas operasi
Arus kas dari aktivitas Cash flows from investing
investasi activities
Penerimaan dari Proceeds from disposal of
penjualan properti investment properties
investasi
Pembayaran untuk Payments for acquisition
perolehan properti of investment properties
investasi
Penerimaan dari 89,415 97,679 Proceeds from disposal of
penjualan aset tetap property and equipment
Pembayaran untuk ( 738,511 ) ( 906,634 ) Payments for acquisition
perolehan aset tetap of property and
equipment
Penerimaan dari Proceeds from disposal of
penjualan aset agunan foreclosed assets
yang diambil alih
Penerimaan dari Proceeds from disposal of
penjualan aset other non-financial assets
non-keuangan lainnya
Pembayaran untuk Payments for acquisition
perolehan aset of other non-financial
non-keuangan lainnya assets
Pencairan (penempatan) Withdrawal (placement)
aset keuangan nilai wajar of financial assets fair
melalui pendapatan value through other
komprehensif lainnya comprehensive income
Penempatan aset Placement of financial
keuangan biaya assets amotized cost
perolehan diamortisasi investments
Pencairan aset keuangan Withdrawal of financial
biaya perolehan assets amortized cost
diamortisasi investments
Penerimaan dari Proceeds from disposal of
pelepasan entitas anak subsidiaries
Pembayaran untuk Payments for acquisition
perolehan entitas anak of subsidiaries
Page 20
Penerimaan dari Proceeds from sales of
pelepasan kepentingan di interests in subsidiaries
entitas anak tanpa without loss of control
hilangnya pengendalian from investing activities
dari kegiatan investasi
Pembayaran untuk Payments for acquisition
perolehan tambahan of additional interests in
kepemilikan pada entitas subsidiaries
anak
Penerimaan dari Proceeds from sales of
pelepasan kepemilikan interests in joint ventures
pada entitas ventura
bersama
Pembayaran untuk Payments for acquisition
perolehan kepemilikan of interests in joint
pada entitas ventura ventures
bersama
Penerimaan dari Proceeds from sales of
pelepasan kepemilikan interests in associates
pada entitas asosiasi
Pembayaran untuk Payments for acquisition
perolehan kepemilikan of interests in associates
pada entitas asosiasi
Penerimaan dari Proceeds from disposal of
pelepasan aset tidak non-current assets or
lancar atau kelompok disposal groups classified
lepasan yang as held-for-sale and
diklasifikasikan sebagai discontinued operations
dimiliki untuk dijual dan
operasi yang dihentikan
Penerimaan dividen dari Dividends received from
aktivitas investasi investing activities
Penerimaan bunga dari Interests received from
aktivitas investasi investing activities
Pembayaran bunga dari Interests paid from
aktivitas investasi investing activities
Penerimaan Income taxes refunded
pengembalian (paid) from investing
(pembayaran) pajak activities
penghasilan dari aktivitas
investasi
Penerimaan ( 839,464 ) ( 876,461 ) Other cash inflows
(pengeluaran) kas lainnya (outflows) from investing
dari aktivitas investasi activities
Jumlah arus kas bersih ( 1,488,560 ) ( 1,685,416 ) Total net cash flows
yang diperoleh dari received from (used in)
(digunakan untuk) investing activities
aktivitas investasi
Arus kas dari aktivitas Cash flows from financing
pendanaan activities
Penerimaan wesel bayar Proceeds from notes
payable
Pembayaran wesel bayar Payments of notes
payable
Penerimaan pinjaman 48,553,027 64,470,837 Proceeds from bank
bank loans
Pembayaran pinjaman ( 50,447,771 ) ( 59,485,542 ) Payments of bank loans
bank
Penerimaan pinjaman Proceeds from non-bank
dari lembaga keuangan financial institution loan
non-bank
Page 21
Pembayaran pinjaman Payments of non-bank kepada lembaga financial institution loan keuangan non-bank Penerimaan pinjaman Proceeds from subordinasi subordinated loans Pembayaran pinjaman Payments of subordinasi subordinated loans Penerimaan liabilitas Proceeds from finance sewa pembiayaan lease liabilities Pembayaran liabilitas Payments of finance sewa pembiayaan lease liabilities Penerimaan dari surat 159,005 2,399,700 Proceeds from medium utang jangka menengah term notes Pembayaran dari surat ( 967,060 ) ( 2,241,600 ) Payments of medium utang jangka menengah term notes Penerbitan sukuk 4,420,000 2,522,000 Issuance of mudharabah mudharabah sukuk Pembayaran sukuk (0) ( 3,707,000 ) Payments of mudharabah mudharabah sukuk Penerimaan surat 1,000,000 1,676,180 Proceeds from debt berharga utang securities Pembayaran surat ( 2,564,550 ) ( 2,521,500 ) Payments of debt berharga utang securities Obligasi subordinasi yang Subordinated bonds diterbitkan issued Pembayaran obligasi Payments of s subordinasi ubordinated bonds Pembayaran biaya emisi Payments of bonds penerbitan obligasi issuance costs Penerimaan pinjaman 0 Proceeds from other lainnya borrowings Pembayaran pinjaman (0) Payments of other lainnya borrowings Pembayaran biaya ( 3,174 ) ( 4,753 ) Payments of debt penerbitan surat berharga securities issuance costs utang Penerimaan dari Proceeds from issuance penerbitan saham biasa of common stocks Penerimaan dari Proceeds from issuance penerbitan saham of preferred stocks preferen Penerimaan dari Proceeds from issuing penerbitan instrumen other equity instruments ekuitas lainnya Pembayaran biaya emisi Payments of stock saham issuance costs Penerimaan dari Proceeds from sales of pelepasan kepentingan di interests in subsidiaries entitas anak tanpa without loss of control hilangnya pengendalian from financing activities dari kegiatan pendanaan Penerimaan dari Proceed from increase of penambahan kepemilikan non-controlling interest dari non-pengendali Pembayaran untuk Payments for acquisition perolehan kepentingan of non-controlling pihak non-pengendali interests in subsidiaries pada entitas anak Penerimaan bunga dari Interests received from aktivitas pendanaan financing activities
Page 22
Pembayaran bunga dari Interests paid from
aktivitas pendanaan financing activities
Penerimaan Income taxes refunded
pengembalian (paid) from financing
(pembayaran) pajak activities
penghasilan dari aktivitas
pendanaan
Pembayaran dividen dari (0) Dividends paid from
aktivitas pendanaan financing activities
Penerimaan 0 Other cash inflows
(pengeluaran) kas lainnya (outflows) from financing
dari aktivitas pendanaan activities
Jumlah arus kas bersih 149,477 3,108,322 Total net cash flows
yang diperoleh dari received from (used in)
(digunakan untuk) financing activities
aktivitas pendanaan
Jumlah kenaikan ( 993,159 ) 1,846,194 Total net increase
(penurunan) bersih kas (decrease) in cash and
dan setara kas cash equivalents
Kas dan setara kas arus kas, 3,718,176 1,324,365 Cash and cash equivalents
awal periode cash flows, beginning of the
period
Efek perubahan nilai kurs 54 349 Effect of exchange rate
pada kas dan setara kas changes on cash and cash
equivalents
Kas dan setara kas dari Cash and cash equivalent of
entitas anak yang deconsolidated subsidiaries
didekonsolidasikan
Kenaikan (penurunan) kas 547,268 Other increase (decrease) in
dan setara kas lainnya cash and cash equivalents
Kas dan setara kas arus 2,725,071 3,718,176 Cash and cash equivalents
kas, akhir periode cash flows, end of the
period
Page 23
[8610000] Explanation for Significant Accounting Policy - Financing Industry
Kebijakan akuntansi signifikan Significant accounting policies
31 December 2025
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
Piutang usaha dan piutang lain-lain Trade and other receivables
Aset tetap Fixed assets
Penurunan nilai aset nonkeuangan Impairment of non-financial assets
Beban tangguhan Deferred charges
Utang usaha dan liabilitas lain-lain Trade payables and other liabilities
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
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
Efek-efek Securities
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
Page 24
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 Non-current assets classified as held
untuk dijual 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 Accounting standards issued but not
berlaku efektif yet effective
Utang pembiayaan konsumen Consumer financing liabilities
Page 25
[8611000_BD] Notes to the financial statements - Property, Plant, and Equipement (breakdown) - Financing Industry
Aset tetap Property, plant, and equipment
Aset tetap [baris komponen]
Penambahan aset Pengurangan aset Reklasifikasi aset Penjabaran laporan keuangan aset Entitas anak baru aset Revaluasi aset Penurunan (pemulihan) nilai aset
Aset tetap Aset tetap
tetap tetap tetap tetap tetap tetap tetap
Nilai perolehan, Tanah, dimiliki langsung 880,314 6,902 ( 1,680 ) 38,878 924,414 Land, directly owned Carrying amount, gross
kotor Bangunan dan fasilitasnya, dimiliki langsung 866,498 16,291 ( 627 ) 0 882,162 Building and leasehold improvement, directly owned
Mesin dan peralatan, dimiliki langsung 0 0 Machinery and equipment, directly owned
Alat berat, dimiliki langsung 0 0 Heavy equipment, directly owned
Alat pengangkutan, dimiliki langsung 0 0 Transportation equipment, directly owned
Perabot dan peralatan kantor, dimiliki 1,024,126 134,542 ( 34,291 ) 39,189 1,163,566 Furniture and office equipment, directly owned
langsung
Kendaraan bermotor, dimiliki langsung 1,013,857 215,875 ( 108,810 ) 0 1,120,922 Motor vehicle, directly owned
Pesawat, dimiliki langsung 0 0 Aircraft, directly owned
Kapal, dimiliki langsung 0 0 Vessels, directly owned
Menara telekomunikasi, dimiliki langsung BTS Tower, directly owned
Jaringan Fiber Optik, dimiliki langsung Fiber Optic Network, directly owned
Infrastruktur Telekomunikasi, dimiliki Telecommunication Infrastructure, directly owned
langsung
Peralatan Teknikal, dimiliki langsung Technical Equipment, directly owned
Lainnya, dimiliki langsung 189,825 33,298 ( 21,164 ) 66 202,025 Others, directly owned
Dimiliki langsung 3,974,620 406,908 ( 166,572 ) 78,133 0 0 0 ( 0 ) 4,293,089 Directly owned
Mesin, aset hak guna 0 Machinery, right of use assets
Alat pengangkutan, aset hak guna 0 Transportation equipment, right of use assets
Alat berat, aset hak guna 0 Heavy equipment, right of use assets
Bangunan, aset hak guna 343,685 104,640 ( 120,047 ) 0 328,278 Building, right of use assets
Perabot dan peralatan kantor, aset hak guna 74,134 1,955 ( 1,798 ) 0 74,291 Furniture and office equipment, rights of use assets
Kendaraan bermotor, aset hak guna 21,628 28,096 ( 7,638 ) 0 42,086 Motor vehicle, rights of use assets
Pesawat, aset hak guna 0 0 Aircraft, right of use assets
Kapal, aset hak guna 0 0 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 0 0 Others, right of use assets
Aset hak guna 439,447 134,691 ( 129,483 ) 0 0 0 0 (0) 444,655 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 Telecommunication Infrastructure, assets under
penyelesaian construction
Peralatan Teknikal, dalam penyelesaian Technical Equipment, assets under construction
Lainnya, dalam penyelesaian 130,224 103,050 (0) ( 78,133 ) 155,141 Others, assets under construction
Aset dalam penyelesaian 130,224 103,050 (0) ( 78,133 ) 0 0 0 ( 0 ) 155,141 Assets under construction
Aset tetap 4,544,291 644,649 ( 296,055 ) 0 0 0 0 ( 0 ) 4,892,885 Property, plant, and equipment
Akumulasi Tanah, dimiliki langsung 0 Land, directly owned Carrying amount, accumulated
Page 26
depresiasi Bangunan dan fasilitasnya, dimiliki langsung 229,203 43,788 ( 311 ) 0 272,680 Building and leasehold improvement, directly owned depreciation
Mesin dan peralatan, dimiliki langsung 0 0 Machinery and equipment, directly owned
Alat berat, dimiliki langsung 0 0 Heavy equipment, directly owned
Alat pengangkutan, dimiliki langsung 0 0 Transportation equipment, directly owned
Perabot dan peralatan kantor, dimiliki 700,230 168,704 ( 33,228 ) 0 835,706 Furniture and office equipment, directly owned
langsung
Kendaraan bermotor, dimiliki langsung 298,938 143,479 ( 79,581 ) 0 362,836 Motor vehicle, directly owned
Pesawat, dimiliki langsung 0 0 Aircraft, directly owned
Kapal, dimiliki langsung 0 0 Vessels, directly owned
Menara telekomunikasi, dimiliki langsung BTS Tower, directly owned
Jaringan Fiber Optik, dimiliki langsung Fiber Optic Network, directly owned
Infrastruktur Telekomunikasi, dimiliki Telecommunication Infrastructure, directly owned
langsung
Peralatan Teknikal, dimiliki langsung Technical Equipment, directly owned
Lainnya, dimiliki langsung 124,514 24,469 ( 20,056 ) 0 128,927 Others, directly owned
Dimiliki langsung 1,352,885 380,440 ( 133,176 ) 0 0 0 0 ( 0 ) 1,600,149 Directly owned
Mesin, aset hak guna 0 0 Machinery, right of use assets
Alat pengangkutan, aset hak guna 0 0 Transportation equipment, right of use assets
Alat berat, aset hak guna 0 0 Heavy equipment, right of use assets
Bangunan, aset hak guna 179,556 116,280 ( 120,047 ) 0 175,789 Building, right of use assets
Perabot dan peralatan kantor, aset hak guna 15,943 16,254 ( 1,798 ) 0 30,399 Furniture and office equipment, rights of use assets
Kendaraan bermotor, aset hak guna 1,484 10,355 ( 7,638 ) 0 4,201 Motor vehicle, rights of use assets
Pesawat, aset hak guna 0 0 Aircraft, right of use assets
Kapal, aset hak guna 0 0 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 0 0 Others, right of use assets
Aset hak guna 196,983 142,889 ( 129,483 ) 0 0 0 0 (0) 210,389 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 Telecommunication Infrastructure, assets under
penyelesaian construction
Peralatan Teknikal, dalam penyelesaian Technical Equipment, assets under construction
Lainnya, dalam penyelesaian Others, assets under construction
Aset dalam penyelesaian 0 0 (0) 0 0 0 0 (0) 0 Assets under construction
Aset tetap 1,549,868 523,329 ( 262,659 ) 0 0 0 0 ( 0 ) 1,810,538 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 Nilai perolehan 2,994,423 3,082,347 Carrying amount Carrying amount
Page 27
[8611000_BD] Notes to the financial statements - Property, Plant, and Equipement (breakdown) - Financing Industry - Prior Year
Aset tetap Property, plant, and equipment
Aset tetap [baris komponen]
Penambahan aset Pengurangan aset Reklasifikasi aset Penjabaran laporan keuangan aset Entitas anak baru aset Revaluasi aset Penurunan (pemulihan) nilai aset
Aset tetap Aset tetap
tetap tetap tetap tetap tetap tetap tetap
Nilai perolehan, Tanah, dimiliki langsung 855,241 25,073 (0) 0 880,314 Land, directly owned Carrying amount, gross
kotor Bangunan dan fasilitasnya, dimiliki langsung 848,784 17,714 (0) 0 866,498 Building and leasehold improvement, directly owned
Mesin dan peralatan, dimiliki langsung 0 Machinery and equipment, directly owned
Alat berat, dimiliki langsung 0 Heavy equipment, directly owned
Alat pengangkutan, dimiliki langsung 0 Transportation equipment, directly owned
Perabot dan peralatan kantor, dimiliki 938,922 152,376 ( 67,172 ) 0 1,024,126 Furniture and office equipment, directly owned
langsung
Kendaraan bermotor, dimiliki langsung 949,448 403,029 ( 200,029 ) ( 138,591 ) 1,013,857 Motor vehicle, directly owned
Pesawat, dimiliki langsung 0 Aircraft, directly owned
Kapal, dimiliki langsung 0 Vessels, directly owned
Menara telekomunikasi, dimiliki langsung BTS Tower, directly owned
Jaringan Fiber Optik, dimiliki langsung Fiber Optic Network, directly owned
Infrastruktur Telekomunikasi, dimiliki Telecommunication Infrastructure, directly owned
langsung
Peralatan Teknikal, dimiliki langsung Technical Equipment, directly owned
Lainnya, dimiliki langsung 153,929 35,925 ( 29 ) 0 189,825 Others, directly owned
Dimiliki langsung 3,746,324 634,117 ( 267,230 ) ( 138,591 ) 0 0 0 ( 0 ) 3,974,620 Directly owned
Mesin, aset hak guna 0 Machinery, right of use assets
Alat pengangkutan, aset hak guna 0 Transportation equipment, right of use assets
Alat berat, aset hak guna 0 Heavy equipment, right of use assets
Bangunan, aset hak guna 338,077 103,124 ( 97,516 ) 0 343,685 Building, right of use assets
Perabot dan peralatan kantor, aset hak guna 72,921 1,308 ( 95 ) 0 74,134 Furniture and office equipment, rights of use assets
Kendaraan bermotor, aset hak guna 31,667 8,879 ( 18,918 ) 0 21,628 Motor vehicle, rights of use assets
Pesawat, aset hak guna 0 Aircraft, right of use assets
Kapal, aset hak guna 0 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 0 Others, right of use assets
Aset hak guna 442,665 113,311 ( 116,529 ) 0 0 0 0 (0) 439,447 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 Telecommunication Infrastructure, assets under
penyelesaian construction
Peralatan Teknikal, dalam penyelesaian Technical Equipment, assets under construction
Lainnya, dalam penyelesaian 0 130,224 130,224 Others, assets under construction
Aset dalam penyelesaian 0 130,224 (0) 0 0 0 0 ( 0 ) 130,224 Assets under construction
Aset tetap 4,188,989 877,652 ( 383,759 ) ( 138,591 ) 0 0 0 ( 0 ) 4,544,291 Property, plant, and equipment
Akumulasi Tanah, dimiliki langsung 0 Land, directly owned Carrying amount, accumulated
Page 28
depresiasi Bangunan dan fasilitasnya, dimiliki langsung 186,412 42,791 (0) 0 229,203 Building and leasehold improvement, directly owned depreciation
Mesin dan peralatan, dimiliki langsung 0 Machinery and equipment, directly owned
Alat berat, dimiliki langsung 0 Heavy equipment, directly owned
Alat pengangkutan, dimiliki langsung 0 Transportation equipment, directly owned
Perabot dan peralatan kantor, dimiliki 603,927 161,953 ( 65,650 ) 0 700,230 Furniture and office equipment, directly owned
langsung
Kendaraan bermotor, dimiliki langsung 339,698 198,942 ( 145,293 ) ( 94,409 ) 298,938 Motor vehicle, directly owned
Pesawat, dimiliki langsung 0 Aircraft, directly owned
Kapal, dimiliki langsung 0 Vessels, directly owned
Menara telekomunikasi, dimiliki langsung BTS Tower, directly owned
Jaringan Fiber Optik, dimiliki langsung Fiber Optic Network, directly owned
Infrastruktur Telekomunikasi, dimiliki Telecommunication Infrastructure, directly owned
langsung
Peralatan Teknikal, dimiliki langsung Technical Equipment, directly owned
Lainnya, dimiliki langsung 105,908 18,635 ( 29 ) 0 124,514 Others, directly owned
Dimiliki langsung 1,235,945 422,321 ( 210,972 ) ( 94,409 ) 0 0 0 ( 0 ) 1,352,885 Directly owned
Mesin, aset hak guna 0 Machinery, right of use assets
Alat pengangkutan, aset hak guna 0 Transportation equipment, right of use assets
Alat berat, aset hak guna 0 Heavy equipment, right of use assets
Bangunan, aset hak guna 154,597 122,475 ( 97,516 ) 0 179,556 Building, right of use assets
Perabot dan peralatan kantor, aset hak guna 1,380 14,658 ( 95 ) 0 15,943 Furniture and office equipment, rights of use assets
Kendaraan bermotor, aset hak guna 12,553 7,849 ( 18,918 ) 0 1,484 Motor vehicle, rights of use assets
Pesawat, aset hak guna 0 Aircraft, right of use assets
Kapal, aset hak guna 0 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 0 Others, right of use assets
Aset hak guna 168,530 144,982 ( 116,529 ) 0 0 0 0 (0) 196,983 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 Telecommunication Infrastructure, assets under
penyelesaian construction
Peralatan Teknikal, dalam penyelesaian Technical Equipment, assets under construction
Lainnya, dalam penyelesaian Others, assets under construction
Aset dalam penyelesaian 0 0 (0) 0 0 0 0 (0) 0 Assets under construction
Aset tetap 1,404,475 567,303 ( 327,501 ) ( 94,409 ) 0 0 0 ( 0 ) 1,549,868 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 Nilai perolehan 2,784,514 2,994,423 Carrying amount Carrying amount
Page 29
[8611100] Disclosure of Notes to the financial statements - Property, Plant and Equipment - Financing Industry
Pengungkapan Disclosure
31 December 2025
Pengungkapan Disclosure
Pengungkapan catatan atas aset tetap Disclosure of notes for property, plant
and equipment
Page 30
[8697000_BD] Notes to the financial statements - Bank Loans by Order of Liquidity Interest Information (breakdown) - Financing Industry
31 December 2025 31 December 2024
Catatan utang bank berdasarkan tingkat Notes for bank loans by
likuiditas order of liquidity
Catatan utang bank berdasarkan tingkat likuiditas
[baris komponen]
Utang bank berdasarkan
Jatuh Catatan utang bank berdasarkan tingkat Notes for bank loans by
tempo Jenis
tingkat likuiditas, nilai
utang
Bunga
bunga
likuiditas order of liquidity
dalam mata uang asing Catatan utang bank berdasarkan tingkat likuiditas
bank
[baris komponen]
Bank Central Asia IDR 2,512,740 12 0.0535 Fixed Bank Central IDR
Jatuh
Tbk Bulan Asia Tbk Utang bank berdasarkan
tempo Jenis
tingkat likuiditas, nilai Bunga
AUD AUD utang bunga
dalam mata uang asing
bank
CAD CAD
Bank Central Asia IDR 3,211,029 Bank Central IDR
CNY CNY
Tbk AUD Asia Tbk AUD
EUR EUR
CAD CAD
HKD HKD
CNY CNY
GBP GBP
EUR EUR
JPY JPY
HKD HKD
SGD SGD
GBP GBP
THB THB
JPY JPY
USD USD
SGD SGD
Mata Other
uang currency THB THB
lainnya USD USD
Bank Rakyat IDR 3,001,000 24 0.05 Fixed Bank Rakyat IDR Mata Other
Indonesia (Persero) Bulan Indonesia uang currency
Tbk AUD (Persero) Tbk AUD lainnya
CAD CAD Bank Rakyat IDR 2,442,329 Bank Rakyat IDR
Indonesia (Persero) AUD Indonesia AUD
CNY CNY
Tbk CAD (Persero) Tbk CAD
EUR EUR
HKD HKD CNY CNY
GBP GBP EUR EUR
JPY JPY HKD HKD
SGD SGD GBP GBP
JPY JPY
Page 31
THB THB SGD SGD
USD USD THB THB
Mata Other USD USD
uang currency Mata Other
lainnya uang currency
Bank Mandiri IDR Bank Mandiri IDR lainnya
(Persero) Tbk AUD (Persero) Tbk AUD Bank Mandiri IDR 500,000 Bank Mandiri IDR
CAD CAD (Persero) Tbk AUD (Persero) Tbk AUD
CNY CNY CAD CAD
EUR EUR CNY CNY
HKD HKD EUR EUR
GBP GBP HKD HKD
JPY JPY GBP GBP
SGD SGD JPY JPY
THB THB SGD SGD
USD USD THB THB
Mata Other USD USD
uang currency Mata Other
lainnya uang currency
Bank Syariah IDR 2,389 12 0.06 Fixed Bank Syariah IDR lainnya
Indonesia Tbk Bulan Indonesia Tbk Bank Syariah IDR 4,002 Bank Syariah IDR
AUD AUD Indonesia Tbk AUD Indonesia Tbk 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 Other Mata Other
uang currency uang currency
lainnya lainnya
Bank Negara IDR 500,250 36 0.07 Fixed Bank Negara IDR Bank Negara IDR 624,500 Bank Negara IDR
Indonesia (Persero) Bulan Indonesia Indonesia (Persero) AUD Indonesia AUD
Tbk AUD (Persero) Tbk AUD Tbk (Persero) Tbk
CAD CAD
CAD CAD CNY CNY
CNY CNY EUR EUR
EUR EUR HKD HKD
HKD HKD
Page 32
GBP GBP GBP GBP
JPY JPY JPY JPY
SGD SGD SGD SGD
THB THB THB THB
USD USD USD USD
Mata Other Mata Other
uang currency uang currency
lainnya lainnya
Bank Jago Tbk IDR Bank Jago Tbk IDR Bank Jago Tbk IDR Bank Jago Tbk IDR
AUD AUD AUD AUD
CAD CAD CAD CAD
CNY CNY CNY CNY
EUR EUR EUR EUR
HKD HKD HKD HKD
GBP GBP GBP GBP
JPY JPY JPY JPY
SGD SGD SGD SGD
THB THB THB THB
USD USD USD USD
Mata Other Mata Other
uang currency uang currency
lainnya lainnya
Bank Permata Tbk IDR 3,150,000 12 0.0675 Fixed Bank Permata IDR Bank Permata Tbk IDR 1,999,996 Bank Permata IDR
Bulan Tbk AUD Tbk 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 Other
Mata Other uang currency
uang currency lainnya
lainnya Bank Mega Tbk IDR Bank Mega Tbk IDR
Bank Mega Tbk IDR Bank Mega Tbk IDR AUD AUD
AUD AUD CAD CAD
CAD CAD CNY CNY
CNY CNY
Page 33
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 Other Mata Other
uang currency uang currency
lainnya lainnya
Bank Mayapada IDR Bank Mayapada IDR Bank Mayapada IDR Bank Mayapada IDR
Internasional Tbk AUD Internasional AUD Internasional Tbk AUD Internasional Tbk AUD
CAD Tbk 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 Other Mata Other
uang currency uang currency
lainnya lainnya
Bank Danamon IDR 176,744 8 0.065 Fixed Bank Danamon IDR Bank Danamon IDR 503,952 Bank Danamon IDR
Indonesia Tbk Bulan Indonesia Tbk Indonesia Tbk AUD Indonesia Tbk 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 Other
Mata Other uang currency
uang currency lainnya
lainnya Bank BTPN Syariah IDR Bank BTPN IDR
Bank BTPN Syariah IDR Bank BTPN IDR Tbk AUD Syariah Tbk AUD
Tbk Syariah Tbk
Page 34
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 Other
Mata Other uang currency
uang currency lainnya
lainnya Bank Maybank IDR 1,000,000 Bank Maybank IDR
Bank Maybank IDR Bank Maybank IDR Indonesia Tbk AUD Indonesia Tbk AUD
Indonesia Tbk AUD Indonesia Tbk 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 Other
Mata Other uang currency
uang currency lainnya
lainnya Bank Pan Indonesia IDR 779,062 Bank Pan IDR
Bank Pan Indonesia IDR 1,540,174 36 0.065 Fixed Bank Pan IDR Tbk AUD Indonesia Tbk AUD
Tbk Bulan Indonesia Tbk CAD CAD
AUD AUD CNY CNY
CAD CAD EUR EUR
CNY CNY HKD HKD
EUR EUR GBP GBP
HKD HKD JPY JPY
GBP GBP SGD SGD
JPY JPY THB THB
SGD SGD USD USD
THB THB Mata Other
USD USD uang currency
Mata Other lainnya
Page 35
uang currency Bank Cimb Niaga IDR 505,000 Bank Cimb Niaga IDR
lainnya Tbk AUD Tbk AUD
Bank Cimb Niaga IDR 414,500 24 0.034 Fixed Bank Cimb IDR CAD CAD
Tbk Bulan Niaga Tbk CNY CNY
AUD AUD EUR EUR
CAD CAD HKD HKD
CNY CNY GBP GBP
EUR EUR JPY JPY
HKD HKD SGD SGD
GBP GBP THB THB
JPY JPY USD USD
SGD SGD Mata Other
THB THB uang currency
USD USD lainnya
Mata Other Bank Rakyat IDR Bank Rakyat IDR
uang currency Indonesia Agroniaga AUD Indonesia AUD
lainnya Tbk CAD Agroniaga Tbk CAD
Bank Rakyat IDR Bank Rakyat IDR CNY CNY
Indonesia Agroniaga AUD Indonesia AUD
Tbk Agroniaga Tbk EUR EUR
CAD CAD HKD HKD
CNY CNY GBP GBP
EUR EUR JPY JPY
HKD HKD SGD SGD
GBP GBP THB THB
JPY JPY USD USD
SGD SGD Mata Other
THB THB uang currency
USD USD lainnya
Mata Other Bank Btpn Tbk IDR Bank Btpn Tbk IDR
uang currency AUD AUD
lainnya CAD CAD
Bank Btpn Tbk IDR Bank Btpn Tbk IDR CNY CNY
AUD AUD EUR EUR
CAD CAD HKD HKD
CNY CNY GBP GBP
EUR EUR JPY JPY
HKD HKD SGD SGD
GBP GBP THB THB
JPY JPY USD USD
SGD SGD Mata Other
Page 36
THB THB uang currency
USD USD lainnya
Mata Other Bank Tabungan IDR Bank Tabungan IDR
uang currency Negara (Persero) AUD Negara (Persero) AUD
lainnya Tbk CAD Tbk CAD
Bank Tabungan IDR Bank Tabungan IDR CNY CNY
Negara (Persero) AUD Negara AUD EUR EUR
Tbk CAD (Persero) Tbk CAD HKD HKD
CNY CNY GBP GBP
EUR EUR JPY JPY
HKD HKD SGD SGD
GBP GBP THB THB
JPY JPY USD USD
SGD SGD Mata Other
THB THB uang currency
USD USD lainnya
Mata Other Bank OCBC Nisp IDR Bank OCBC Nisp IDR
uang currency Tbk AUD Tbk AUD
lainnya CAD CAD
Bank OCBC Nisp IDR Bank OCBC IDR CNY CNY
Tbk AUD Nisp Tbk AUD EUR EUR
CAD CAD HKD HKD
CNY CNY GBP GBP
EUR EUR JPY JPY
HKD HKD SGD SGD
GBP GBP THB THB
JPY JPY USD USD
SGD SGD Mata Other
THB THB uang currency
USD USD lainnya
Mata Other Bank KB Bukopin IDR Bank KB Bukopin IDR
uang currency Tbk AUD Tbk AUD
lainnya CAD CAD
Bank KB Bukopin IDR Bank KB IDR CNY CNY
Tbk AUD Bukopin Tbk AUD EUR EUR
CAD CAD HKD HKD
CNY CNY GBP GBP
EUR EUR JPY JPY
HKD HKD SGD SGD
GBP GBP THB THB
Page 37
JPY JPY USD USD
SGD SGD Mata Other
THB THB uang currency
USD USD lainnya
Mata Other Bank Pembangunan IDR 416,667 Bank IDR
uang currency Daerah Jawa Barat AUD Pembangunan AUD
lainnya dan Banten Tbk CAD Daerah Jawa CAD
Barat dan Banten
Bank Pembangunan IDR 50,000 12 0.063 Fixed Bank IDR CNY Tbk CNY
Daerah Jawa Barat Bulan Pembangunan EUR EUR
dan Banten Tbk AUD Daerah Jawa AUD HKD HKD
CAD Barat dan CAD
Banten Tbk GBP GBP
CNY CNY JPY JPY
EUR EUR SGD SGD
HKD HKD THB THB
GBP GBP USD USD
JPY JPY Mata Other
SGD SGD uang currency
THB THB lainnya
USD USD Pinjaman sindikasi IDR 104,984 Syndicated bank IDR
Mata Other AUD loans AUD
uang currency CAD CAD
lainnya CNY CNY
Pinjaman sindikasi IDR Syndicated bank IDR EUR EUR
AUD loans AUD HKD HKD
CAD CAD GBP GBP
CNY CNY JPY JPY
EUR EUR SGD SGD
HKD HKD THB THB
GBP GBP USD USD
JPY JPY Mata Other
SGD SGD uang currency
THB THB lainnya
USD USD Bank asing lainnya IDR Other foreign IDR
Mata Other AUD banks AUD
uang currency CAD CAD
lainnya CNY CNY
Bank asing lainnya IDR Other foreign IDR EUR EUR
AUD banks AUD HKD HKD
CAD CAD GBP GBP
CNY CNY JPY JPY
EUR EUR
Page 38
HKD HKD SGD SGD
GBP GBP THB THB
JPY JPY USD USD
SGD SGD Mata Other
THB THB uang currency
lainnya
USD USD
Bank lokal lainnya IDR 10,836,628 Other local banks IDR
Mata Other
uang currency AUD AUD
lainnya CAD CAD
Bank lokal lainnya IDR 9,810,236 36 0.0775 Fixed Other local IDR CNY CNY
Bulan banks EUR EUR
AUD AUD HKD HKD
CAD CAD GBP GBP
CNY CNY JPY JPY
EUR EUR SGD SGD
HKD HKD THB THB
GBP GBP USD USD
JPY JPY Mata Other
SGD SGD uang currency
THB THB lainnya
USD USD
Mata Other
uang currency
lainnya
31 December 2025 31 December 2024
Catatan utang bank berdasarkan tingkat Notes for bank loans by Catatan utang bank berdasarkan tingkat Notes for bank loans by
likuiditas order of liquidity likuiditas order of liquidity
Catatan utang bank berdasarkan tingkat likuiditas [baris komponen] Catatan utang bank berdasarkan tingkat likuiditas [baris komponen]
Utang bank berdasarkan tingkat Jatuh tempo Jenis Utang bank berdasarkan tingkat Jatuh tempo Jenis
Bunga Bunga
likuiditas, nilai dalam mata uang asing utang bank bunga likuiditas, nilai dalam mata uang asing utang bank bunga
Kreditur Mata 21,158,033 Creditor Currency Kreditur Mata Creditor Currency
nama uang bank name nama uang bank name
bank bank
Names mentioned 48 people and organisations named in the text · linked when the evidence is strong
unresolved
org
PT PNM
p.1 ×3
unresolved
org
National Corporation
p.2
unresolved
org
Purwanto Susanti
p.3
unresolved
org
Purwantono
p.3
unresolved
org
Bank Indonesia
p.4 ×5
unresolved
org
Bank Indonesia Giro
p.4
unresolved
org
Bank Central
p.30 ×2
unresolved
org
IDR Jatuh Tbk
p.30
unresolved
org
Asia Tbk
p.30 ×2
unresolved
org
CNY Tbk
p.30 ×4
unresolved
org
Bank Syariah
p.31 ×4
unresolved
org
Indonesia Tbk
p.31 ×12
unresolved
org
AUD Tbk
p.31 ×4
unresolved
org
IDR Bank Mega Tbk
p.32
unresolved
org
Bank Mayapada
p.33 ×4
unresolved
org
IDR Internasional Tbk
p.33
unresolved
org
Internasional Tbk
p.33 ×2
unresolved
org
IDR Indonesia Tbk
p.33
unresolved
org
Bank BTPN Syariah IDR
p.33 ×2
unresolved
org
Syariah Tbk
p.33 ×2
unresolved
org
AUD Indonesia Tbk
p.34
unresolved
org
Bank Pan Indonesia IDR
p.34 ×2
unresolved
org
CAD Tbk
p.35
unresolved
org
Niaga Tbk
p.35
unresolved
org
Agroniaga Tbk
p.35 ×2
unresolved
org
CAD Bank Btpn Tbk
p.35
unresolved
org
Bank Tabungan
p.36 ×4
unresolved
org
EUR Tbk
p.36
unresolved
org
Bank OCBC
p.36
unresolved
org
Nisp Tbk
p.36
unresolved
org
Bank KB
p.36
unresolved
org
Bukopin Tbk
p.36
unresolved
org
Bank Pembangunan IDR
p.37 ×2
unresolved
org
Banten Tbk
p.37 ×2
unresolved
org
CAD Banten Tbk
p.37
Extraction attempts how the parser did, and what it refused
Nothing structured was extracted from this document — the attempts below say why.
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