Source file signed link, expires in 15 minutes
Extracted text 2
Page 1
FINANCIAL STATEMENTS
PT BANK TABUNGAN NEGARA (PERSERO) Tbk.
STATEMENTS OF FINANCIAL POSITION STATEMENTS OF INCOME AND OTHER COMPREHENSIVE STATEMENTS OF COMMITMENTS AND CONTINGENCIES STATEMENT OF CASH FLOWS
As of September 30, 2023 and December 31, 2022 For the Period Ended September 30, 2023 and 2022 As of September 30, 2023 and December 31, 2022 For The Period Ended September 30, 2023 And 2022
(In Millions of Rupiah) (In Millions of Rupiah) (In Millions of Rupiah) (In Millions of Rupiah)
No. DESCRIPTION Sep 30, 2023 Dec 31, 2022 No. DESCRIPTION Sep 30, 2023 Sep 30, 2022 No. DESCRIPTION Sep 30, 2023 Dec 31, 2022 DESCRIPTION Sep 30, 2023 Sep 30, 2022
(Reviewed) (Audited) (Reviewed) (Reviewed) (Audited) (Reviewed)
ASSETS OPERATING INCOME AND EXPENSES I. COMMITMENT RECEIVABLES CASH FLOWS FROM OPERATING ACTIVITIES
1. Cash 1,426,965 1,661,533 A. Interest Income and Expenses 1. Unused fund borrowings/financing facilities - - Interest, profit sharing, and margin 20.542.507 17.745.245
2. Placements with Bank Indonesia 32,389,827 37,992,835 2. Outstanding purchase position on spot and derivative/forward 2,349,160 2,641,853 Recoveries from loan debts written-off 453.875 273.613
3. Placements with other banks 2,718,071 1,872,318 1. Interest income 20,833,168 18,976,977 3. Others - - Interest and bonus, fees and commissions paid (10.988.518) (7.682.474)
4. Spot and derivative receivables/forward 70,302 103,939 2. Interest expenses 10,690,887 7,430,813 Corporate income tax paid (819.981) (812.472)
5. Securities 43,570,867 53,688,141 Net interest income (Expenses) 10,142,281 11,546,164 II. COMMITMENT PAYABLES Recoveries from tax assesment letter - 402.428
6. Securities sold under repurchase agreements (Repo) 2,505,591 - Other operating expenses - net (4.378.980) (5.367.801)
1. Unused loan facilities granted to customer
7. Securities purchased under resale agreements (Reverse Repo) - 1,434,190 B. Operating Income and Expenses Other than Interest Other non-operating Income (expense) - net (35.452) 390
a. Committed 199,371 80,128
8. Acceptances receivables 810,390 420,562 1. Gain (loss) from increase (decrease) in fair value of financial assets 22,904 (162,458) Cash receipts before changes in operating assets and liabilities 4.773.451 4.558.929
b. Uncommitted 18,042,501 15,029,853
9. Loans 282,507,999 266,657,565 2. Outstanding irrevocable letters of credit 75,941 221,484
2. Gain (loss) from decrease (increase ) in fair value of financial liabilities - -
10. Sharia financing 35,791,679 31,624,139 Changes in operating assets and liabilities:
3. Gain (loss) from sale of financial assets 477,518 (152,042) 3. Outstanding sales position on spot and derivative/forward 2,269,713 2,477,048
11. Investment in share - - 4. Others 13,575 13,100 Decrease (increase) in operating assets:
4. Gain (Loss) from spot and derivative transaction/forward (realised) 59,942 (4,684)
12. Others financials assets 11,550,789 10,756,035 Fair value through profit or loss
5. Gain (Loss) from investment in shares under equity method - -
13. Allowance for impairment on financial assets -/- III. CONTINGENT RECEIVABLES securities (709.959) 101.678
6. Gain (Losses) from foreign currencies translation (77,140) 35,297
a. Securities (2,212) (2,399) 1. Guarantees received 2,355,166 350,713 Fair value through profit or loss
b. Loans and Sharia financing (15,972,715) (15,674,923) 7. Dividend Income - -
2. Others 7,405,586 5,169,262 government bonds 6.344.448 (12.816.710)
c. Others (2,465) (1,883) 8. Comissions/provisions/fees and administrative 1,037,975 907,414
Acceptance Receivable (389.828) (84.256)
14. Intangible assets - - 9. Other income 757,114 468,233
IV. CONTINGENT PAYABLES Loans and sharia financing/receivables (22.713.709) (16.910.852)
Accumulated amortisation for intangible assets -/- - - 10. Impairment for financial assets 2,937,036 2,615,487
1. Guarantees issued 2,787,418 948,495 Other assets (720.286) (1.270.845)
15. Premises and equipment 11,139,618 10,599,848 11. Losses related to operational risk - -
2. Others - -
Accumulated depreciation on premises and equipment -/- (4,675,809) (4,246,045) 12. Salaries and employee benefits 2,531,470 2,597,989 Increase (decrease) in operating liabilities:
16. Non earning assets 13. Promotion expenses 357,901 275,421
14. Other expenses 3,628,128 4,215,394 Current liabilities (190.411) 230.494
a. Abandoned properties 1,410 1,410 STATEMENTS OF CALCULATION OF CAPITAL ADEQUACY RATIO Deposits from customer
b. Repossessed assets 77,591 77,591 Other Operating Income (Expenses) (7,176,222) (8,612,531) As Of September 30, 2023 And 2022 Demand deposits 1.602.851 16.419.969
c. Suspense account - - (in Millions of Rupiah)
d. Inter office assets - - PROFIT (LOSS) FROM OPERATIONS 2,966,059 2,933,633 Wadiah demand deposits 2.322.760 2.211.146
17. Other assets 5,767,059 5,183,456 Sep 30, 2023 Sep 30, 2022 Savings deposits (106.980) (6.751.727)
NON OPERATING INCOME AND EXPENSES CAPITAL COMPONENTS
(Reviewed) Savings deposits Wadiah 45.049 (12.404)
TOTAL ASSETS 409,674,957 402,148,312 1. Gain (loss) from sale of premises and equipment - - Time deposits (1.214.457) 5.389.237
I. CORE CAPITAL (TIER 1) 25,196,706 18,215,460
2. Other non operating income (expenses) (50,080) (34,907) Deposits from other banks 1.335.967 1.501.583
LIABILITIES AND EQUITY 1. Common Equity Tier 1 (CET 1)
25,196,706 18,215,460 Acceptance liabilities 389.828 84.256
PROFIT (LOSS) FROM NON OPERATING (50,080) (34,907)
LIABILITIES 1.1. Paid-in Capital (net of Treasury Stock) 7,017,222 5,295,000 Other liabilities (437.541) (78.695)
PROFIT (LOSS) CURRENT PERIOD BEFORE TAX 2,915,979 2,898,726 1.2. Disclosed Reserves 21,117,235 15,827,380
1. Demand deposits 118,060,777 114,006,513 Temporary syirkah funds (772.757) (366.474)
Income tax expenses 1.2.1 Additional Factor 22,794,873 17,698,665
2. Savings deposits 42,199,259 42,195,160 1.2.1.1 Other comprehensive income 3,565,773 3,307,991
3. Time deposits 163,648,340 165,735,643 a. Estimated current tax -/- (630,490) (680,448) Net Cash provided by (used in) Operating Activities (10.441.574) (7.794.671)
1.2.1.1.1 Excess differences arising from translation
4. Electronic money - - b. Deferred tax income (expenses) 27,232 56,521 of financial statement - -
5. Fund from Bank Indonesia - - PROFIT (LOSS) CURRENT PERIOD 2,312,721 2,274,799 1.2.1.1.2 Potential gain due to increases of fair value of CASH FLOWS FROM INVESTING ACTIVITIES
6. Fund from other banks 1,504,490 179,182 financial asset through other comprehensive income - - (Purchase) receipt from matured amortized cost securities (621.754) 135.782
1.2.1.1.3 Surplus of fixed assets revaluation 3,565,773 3,307,991 Receipt (purchase) of amortized cost government bonds 1.451.405 (4.020.087)
7. Spot and derivative liabilities/forward - - PROFIT (LOSS) MINORITY INTEREST - - 1.2.1.2 Other disclosed reserves 19,229,100 14,390,674
8. Securities sold under repurchase agreements (Repo) 2,381,964 - Acquisitions of premises and equipment (494.580) (347.402)
1.2.1.2.1 Agio 4,418,900 2,054,454
9. Acceptances liabilities 810,390 420,562 OTHER COMPREHENSIVE INCOME 1.2.1.2.2 General reserves 4,621,242 4,621,242 (Purchase) receipt in fair value through other comprehensive income securities (1.245.692) 362.396
10. Securities issued 6,436,272 8,652,260 1.2.1.2.3 Previous year profit 7,876,237 5,440,179 Placement of securities purchased under agreement to resell (39.779.940) (120.090.544)
11. Fund borrowings 35,626,674 33,979,224 1.Unreclassified to profit (loss) 1.2.1.2.4 Current year profit 2,312,721 2,274,799 Receipt of securities purchased under agreement to resell 41.214.130 121.688.870
12. Margin deposits received 9,684 9,872 a. Gain (loss) from revaluation of premises and equipment 57,208 - 1.2.1.2.5 Funds for paid-in capital - - Receipt in fair value through other comprehensive income government bonds 2.335.190 3.240.629
b. Gain (loss) from remeasurement on defined benefit plans (14,052) 59,020 1.2.1.2.6 Others - -
13. Inter office liabilities - - 1.2.2 Deduction Factor (1,677,638 ) (1,871,285) Net Cash provided by (used in) Investing Activities 2.858.759 969.644
14. Other liabilities 9,943,173 11,060,542 c. Others 2,670 (11,213)
1.2.2.1 Other comprehensive income (1,598,637 ) (1,789,250)
15. Minority interest - - 1.2.2.1.1 Negative differences arising from translation CASH FLOWS FROM FINANCING ACTIVITIES
2. Reclassified to profit (loss) of financial statement - - Payment of matured securities issued (2.751.853) (5.263.000)
TOTAL LIABILITIES 380,621,023 376,238,958 a. Gain (losses) from adjustments arising from translation 1.2.2.1.2 Potential losses due to decreases of fair value of Proceeds of securities issued 533.196 1.201.626
of financial statement - - financial asset through other comprehensive income (1,598,637 ) (1,789,250) Payments of dividends (609.015) (237.623)
EQUITY 1.2.2.2 Other disclosed reserves (79,001 ) (82,035) Proceeds from fund borrowings 3.755.422 6.463.401
b. Gain (loss) from changes of financial assets on measured 1.2.2.2.1 Disagio - -
16. Share capital Payment of fund borrowings (1.986.492) (5.823.755)
at fair value through other comprehensive income 26,284 (2,335,746) 1.2.2.2.2 Previous year loss - -
a. Authorised capital 10,239,216 10,239,216 Proceeds from securities sold under repurchase agreements 2.378.769 1.988.170
b. Unpaid-in capital -/- (3,221,994) (4,944,216) c. Others 38,671 440,887 1.2.2.2.3 Current year loss - -
1.2.2.2.4 Negative difference in allowance for possible Payments of matured securities sold under repurchase agreements - (592.326)
c. Treasury stock -/- - - OTHER COMPREHENSIVE INCOME FOR THE YEAR AFTER TAX 110,781 (1,847,052)
losses and allowance for impairment Payment of lease liabilities (59.128) (42.914)
17. Additional Paid-in Capital TOTAL COMPREHENSIVE PROFIT (LOSS) FOR THE YEAR 2,423,502 427,747 on earning assets - - Shares issuance 1.330.093 -
a. Agio 4,418,900 2,054,454 1.2.2.2.5 Negative difference in adjusment amounts
Net Cash provided by (used in) Financing Activities 2.590.992 (2.306.421)
b. Disagio -/- - - from fair value of financial assets in trading book - -
Current Year Net Profit (Loss) Attributable to : 1.2.2.2.6 Required allowance for non earning assets (79,001 ) (82,035)
c. Funds for paid-up capital - 2,756,575
- Owner of Company 2,312,721 2,274,799 1.2.2.2.7 Others - - NET (DECREASE) INCREASE IN CASH AND CASH EQUIVALENTS (4.991.823) (9.131.448)
d. Others - -
- Non Controlling Interest - - 1.3. Non Controlling Interest - -
18. Other comprehensive income CASH AND CASH EQUIVALENTS AT BEGINNING OF PERIOD 41.526.686 41.229.907
1.4. Deduction Factor of CET 1 (2,937,751 ) (2,906,920)
a. Gain 3,565,773 3,508,565 TOTAL CURRENT YEAR NET PROFIT (LOSS) 2,312,721 2,274,799 1.4.1 Deferred tax calculation (2,937,751 ) (2,906,920) CASH AND CASH EQUIVALENTS AT END OF PERIOD 36.534.863 32.098.459
b. Losses -/- (1,598,637) (1,652,210) 1.4.2 Goodwill - -
19. Reserve 1.4.3 Other intangible assets - - The details of cash and cash equivalents at end of period are as follows:
Total Comprehensive Profit (Loss) For The Year Attributable to:
a. General reserve 4,621,242 4,621,242 1.4.4 Investments in share - -
- Owner of Company 2,423,502 427,747 Cash 1.426.965 1.351.300
1.4.5 Shortfall of capital on insurance subsidiaries - -
b. Appropriated reserve 840,476 840,476 - Non Controlling Interest - - 1.4.6 Securitisation exposure - - Current accounts with Bank Indonesia 12.434.735 21.149.342
20. Retained Earning 1.4.7 Other deduction of CET 1 - - Current accounts with other banks 2.718.010 1.417.700
a. Previous years 7,876,237 5,440,179 TOTAL COMPREHENSIVE PROFIT (LOSS) FOR THE YEAR 2,423,502 427,747 Placements with Bank Indonesia and other banks - maturing within
1.4.7.1 Placement of funds in instrumen AT 1 and/or Tier 2
b. Current year 2,312,721 3,045,073 to other bank - - three months or less since the acquisition date 19.955.153 8.180.117
c. Paid Dividend -/- - - TRANSFER PROFIT (LOSS) TO HEAD OFFICE - - 1.4.7.2 Cross-ownership in another entity acquired by the transition
due to law, grants, or grants will - - Total of cash and cash equivalents 36.534.863 32.098.459
TOTAL EQUITY ATTRIBUTABLE TO OWNER 29,053,934 25,909,354 1.4.7.3 Exposure that give rise to credit risk due the settlement
DIVIDEND - -
(settlement risk) - Non Delivery Versus Payment - -
TOTAL EQUITY 29,053,934 25,909,354 1.4.7.4 Exposures in subsidiaries that to business activity Notes :
EARNINGS PER SHARE (in rupiah) 165 215 based on sharia principle - - 1) The above interim financial information is taken from the interim financial statements of PT Bank Tabungan
TOTAL LIABILITIES AND EQUITY 409.674.957 402.148.312
Negara (Persero) Tbk (“the Bank”) as of September 30, 2023 and for the nine-month period ended on
2. Additional Tier 1 (AT 1)
- - that date, which were prepared by the Bank’s management in accordance with Indonesian Financial
2.1. Instrument which comply with AT 1 requirements - - Accounting Standards, which have been reviewed by the Public Accounting Firm Purwantono, Sungkoro &
STATEMENTS OF ASSETS’ QUALITY AND OTHER INFORMATION 2.2. Agio / Disagio - - Surja (“PSS”), a member firm of Ernst & Young Global Limited, with the partner in charge is Christophorus
As of September 30, 2023 and 2022 2.3. Deduction Factor of AT 1 - - Alvin Kossim, in accordance with Standard on Review Engagements 2410, “Review of Interim Financial
(In Millions of Rupiah) 2.3.1 Placements of fund in instrument AT 1 and/or Tier 2 to other bank - - Information Performed by the Independent Auditor of the Entity”, established by the Indonesian Institute of
2.3.2 Cross ownership in another entity acquired by the transition due Certified Public Accountants, with a review opinion there are no matters of concern to PSS which cause
to law, grants or grants will - - PSS to believe that the interim financial statements do not present fairly, in all material respects, the
September 30, 2023 (Reviewed) September 30, 2022 financial position of the Bank as of September 30, 2023, as well as its financial performance and cash
No. DESCRIPTION II. SUPPLEMENTAL CAPITAL (TIER 2) 4,443,777 6,027,435 flows for the nine-month period ended on that date, in accordance with Indonesian Financial Accounting
Current Special Sub Doubtful Loss Total Current Special Sub Doubtful Loss Total Standards, as stated in their report dated November 27, 2023 which are not included in this publication.
1. Capital instrument in the form of stock or other which comply
Mention Standard with Tier 2 requirements
Mention Standard 2,826,390 4,617,579 Since the above financial information is taken from the financial statements, it is therefore not a complete
2. Agio/Disagio - - presentation of the financial statements. As corresponding figures, the interim financial information for the
I. RELATED PARTIES 3. General provision on earning assets (max. 1.25% credit risk - weighted assets) 1,617,387 1,409,856 nine-month period ended September 30, 2022 was unaudited and not reviewed. Therefore, PSS does
1. Placements with other banks 4. Deduction supplemental capital - - not express an opinion, conclusion, or other form of assurance on the Interim Financial Information as of
4.1. Sinking Fund - - September 30, 2022.
a. Rupiah - - - - - - - - - - - -
4.2. Placement of funds in instrumen Tier 2 to other bank - - 2) The above published Financial Statements are presented to comply with:
b. Foreign currencies - - - - - - - - - - - -
4.3. Cross-ownership in another entity acquired by the transition a) Financial Services Authority Regulation (POJK) Number 37/POJK.03/2019 Dated December 19, 2019
2. Spot and derivative receivables/ forward due to law, grants, or grants will - - regarding “Transparency and Published Financial Statements of The Banks”
a. Rupiah - - - - - - - - - - - -
b) Circular Letter of Financial Services Authority (SEOJK) Number 9/SEOJK.03/2020 Dated June 30,
b. Foreign currencies - - - - - - - - - - - - TOTAL CORE AND SUPPLEMENTAL CAPITAL 29,640,483 24,242,895
2020 regarding “Transparency and Published Financial Statements of The Commercial Banks”.
3. Securities Sep 30, 2023 Sep 30, 2022 Sep 30, 2023 Sep 30, 2022
RATIO c) Financial Services Authority Regulation (POJK) Number 27/POJK.03/2022 Dated December 26,
a. Rupiah - - - - - - - - - - - - (Reviewed) (Reviewed) 2022 on Second Amendments of POJK Number 11/POJK.03/2016 regarding “Capital Adequacy
b. Foreign currencies - - - - - - - - - - - - RISK WEIGHTED ASSETS CAR RATIO Ratio for The Commercial Banks” and Financial Services Authority Regulation (POJK) Number 34/
4. Securities sold with agreement CREDIT RISK WEIGHTED ASSETS 129,390,995 112,788,490 CET 1 Ratio (%) 16.65% 13.01% POJK.03/2016 Dated September 22, 2016 on Amendments of POJK Number 11/POJK.03/2016
to repurchase (Repo) MARKET RISK WEIGHTED ASSETS 4,040,147 3,260,516 Tier 1 Ratio (%) 16.65% 13.01% regarding “Capital Adequacy Ratio for The Commercial Banks”.
a. Rupiah - - - - - - - - - - - - OPERATIONAL RISK - WEIGHTED ASSETS 17,889,426 23,938,858 Tier 2 Ratio (%) 2.94% 4.31% d) Financial Services Authority Regulation (POJK) Number 14/POJK.04/2022 Dated August 18, 2022
b. Foreign currencies - - - - - - - - - - - - TOTAL RISK WEIGHTED ASSETS 151,320,568 139,987,864 Capital Adequacy Ratio (%) 19.59% 17.32% regarding “Submission of Periodic Financial Statements for Issuers or Public Companies”.
5. Securities purchased with agreement e) Capital Market and Financial Institution Supervisory Agency (Bapepam-LK) Regulation Number
CAR BASED ON RISK PROFILE (%) 9.18% 9.40% CET 1 for Buffer (%) 10.65% 7.01%
to resell (Reverse Repo) VIII.G.7, Decision of Chairman of Bapepam-LK Number KEP-347/BL/2012 Dated June 25, 2012
CAPITAL ALLOCATION FOR CAR BASED ON RISK PROFILE PERCENTAGE OF BUFFER MANDATORY FILLED BY BANK (%) regarding “Presentation and Disclosure of Periodic Financial Statements for Issuers or Public
a. Rupiah - - - - - - - - - - - -
From CET1 (%) 6.00% 6.00% Capital Conservation Buffer (%) 2.500% 2.500% Companies”.
b. Foreign currencies - - - - - - - - - - - -
From AT1 (%) 0.00% 0.00% Countercyclical Buffer (%) 0.000% 0.000% f) Circular Letter of Financial Services Authority Number S-2/PB.11/2020 dated January 20, 2020
6. Acceptances receivables - - - - - - - - - - - - From Tier 2 (%) 3.18% 3.40% Capital Surcharge for Systemic Bank (%) 1.000% 1.000% regarding Changes to Published Financial Statements.
7. Loans and financing provided
3) Related Parties in the Statements of Assets’ Quality and Other Information are presented in accordance
a. Micro, Small and Medium loans (UMKM) with Bank Indonesia Regulation Number 7/3/PBI/2005 dated January 20, 2005 regarding the Amendment
i. Rupiah - - - - - - - - - - - - CALCULATION OF FINANCIAL RATIOS of Financial Services Authority Regulation Number 38/POJK.03/2019 dated December 19, 2019 regarding
ii. Foreign currencies - - - - - - - - - - - - For the Period Ended September 30, 2023 and 2022 the Amendment of Financial Services Authority Regulation Number 32/POJK.03/2018 regarding The Legal
b. Non UMKM Lending Limit and Provisions of Large Fund for Commercial Banks.
i. Rupiah 97,730 - - - - 97,730 105,220 662 - 143 2 106,027 No. Sep 30, 2023 Sep 30, 2022 4) Exchange rate of 1 US Dollar as at September 30, 2023, December 31, 2022 and September 30, 2022
RATIOS (Reviewed)
ii. Foreign currencies - - - - - - - - - - - - were Rp. 15.455,00, Rp. 15.567,50 and Rp. 15.227,50 respectively.
c. Restructured loans PERFORMANCE RATIOS 5) Basic earnings per share is computed by dividing income for the year available to shareholders of ordinary
i. Rupiah - - - - - - - - - - - - shares (residual income) by the weighted average number of ordinary shares outstanding during the
1. Capital Adequacy Ratio (CAR) 19,59% 17,32% current year.
ii. Foreign currencies - - - - - - - - - - - -
2. Non performing earning assets and non earning assets
8. Investments in shares - - - - - - - - - - - - to total earning assets and non earning assets 2,97% 2,77%
9. Other receivable - - - - - - - - - - - - 3. Non performing earning assets to total earning assets 2,95% 2,75% MANAGEMENT OF THE BANK
10. Commitments and contingencies 4. Allowance for impairment on financial assets to earning assets 4,34% 4,28%
a. Rupiah - - - - - - - - - - - - BOARD OF COMMISSIONER
5. Gross NPL 3,53% 3,45% President Commissioner/ Independent Commissioner : Chandra M. Hamzah
b. Foreign currencies - - - - - - - - - - - - 6. Net NPL 1,58% 1,23% Vice President Commissioner/Independent Commissioner : Iqbal Latanro
7. Return on Asset (ROA) 0,96% 1,03% Commissioner : Andin Hadiyanto
II. NON RELATED PARTIES 8. Return on Equity (ROE) 12,38% 16,83% Commissioner : Herry Trisaputra Zuna
9. Net Interest Margin (NIM) 3,76% 4,51% Commissioner : Himawan Arief Sugoto
1. Placements with other banks
10. Operating Expenses to Operating Income 87,21% 85,61% Commissioner : Mohamad Yusuf Permana
a. Rupiah 506,072 - - - - 506,072 985,842 - - - - 985,842 Independent Commissioner : Armand B. Arief
11. Cost to Income Ratio (CIR) 46,65% 48,35%
b. Foreign currencies 2,210,288 - - - 1,711 2,211,999 1,030,346 - - - 1,561 1,031,907 Independent Commissioner : Ahdi Jumhari Luddin*
12. Loan to Deposit Ratio (LDR) 98,27% 92,60%
2. Spot and derivative receivables/ forward Independent Commissioner : Sentot A. Sentausa
a. Rupiah - - - - - - - - - - - - COMPLIANCE
BOARD OF DIRECTORS
b. Foreign currencies 70,302 - - - - 70,302 82,621 - - - - 82,621 1. a. Percentage violation of Legal Lending Limit President Director : Nixon L.P. Napitupulu
3. Securities i. Related parties 0.00% 0.00% Vice President Director : Oni Febriarto Rahardjo
a. Rupiah 39,088,739 49,816 3,940 6,058 55,422 39,203,975 52,742,804 38,112 3,668 4,989 59,830 52,849,403 ii. Non - Related parties 0.00% 0.00% Director of Finance : Nofry Rony Poetra
b. Foreign currencies 4,366,892 - - - - 4,366,892 4,994,934 - - - - 4,994,934 b. Percentage of excess of the Legal Lending Limit Director of Assets Management : Elisabeth Novie Riswanti
4. Securities sold with agreement i. Related parties 0.00% 0.00% Director of Human Capital, Compliance, and Legal : Eko Waluyo
to repurchase (Repo) ii. Non - Related parties 0.00% 0.00% Director of Risk Management : Setiyo Wibowo
Director of Distribution and Funding : Jasmin
a. Rupiah 2,505,591 - - - - 2,505,591 1,527,210 - - - - 1,527,210 2. Reserve requirement
Director of IT and Digital : Andi Nirwoto
b. Foreign currencies - - - - - - - - - - - - a. Primary reserve requirement Rupiah Director of Consumer : Hirwandi Gafar
5. Securities purchased with agreement a.) Conventional Director of Institutional Banking : Hakim Putratama
to resell (Reverse Repo) - Daily 0.09% 0.20%
a. Rupiah - - - - - - - - - - - - - Average 7.20% 8.50% SHARIA SUPERVISORY BOARD
b.) Syariah 8.36% 7.70% Chairman : M. Quraish Shihab
b. Foreign currencies - - - - - - - - - - - -
b. Reserve requirement Foreign currencies (Daily) 4.27% 4.13% Member : Mohammad Bagus Teguh Perwira
6. Acceptances receivables 810,390 - - - - 810,390 538,397 - - - - 538,397
7. Loans and financing provided 3. Net Open Position - Overall 8.31% 4.68%
a. Micro, Small and Medium loans (UMKM) SHAREHOLDER
i. Rupiah 5,592,406 156,865 27,566 51,578 1,075,323 6,903,738 3,584,680 236,518 111,685 172,136 1,278,431 5,383,450 STATEMENTS OF SPOT AND DERIVATIVE TRANSACTIONS Ultimate Shareholder
ii. Foreign currencies - - - - - - - - - - - - As of September 30, 2023 - Republic of Indonesia : 60.00%
b. Non UMKM (Reviewed) Non Ultimate Shareholder through Capital Market ( 5%) : Nil
i. Rupiah 269,036,978 29,749,143 635,110 1,178,196 8,270,657 308,870,084 252,246,942 23,515,071 384,414 496,250 7,553,382 284,196,059 (In Millions of Rupiah) Non Ultimate Shareholder through non Capital Market ( 5%) : Nil
ii. Foreign currencies 2,428,126 - - - - 2,428,126 7,678 - - - - 7,678
Derivative Receivables
c. Restructured loans Notional Type & Payables * Ends of term of positions on August 12, 2023 due to passed away.
i. Rupiah 31,041,671 17,046,262 369,445 791,300 6,670,398 55,919,076 42,711,025 12,585,395 371,749 477,348 5,828,296 61,973,813
No. TRANSACTION Amount
ii. Foreign currencies - - - - - - - - - - - - Trading Hedging Receivables Payables
8. Investments in shares - - - - - - - - - - - - Head Office :
A. Exchange Rate Related
9. Other receivable - - - - - - - - - - - - Menara Bank BTN
10. Commitments and contingencies 1. Spot - - - - - Jl. Gajah Mada No. 1 Jakarta 10130, Phone. (021) 6336789. 6332666 Fax. (021) 6346704
a. Rupiah 18,917,185 605,183 14,324 2,333 165,166 19,704,191 17,089,706 1,222,367 14,053 19,162 67,784 18,413,072 2. Forward - - - - - Branch Office :
b. Foreign currencies 1,414,615 - - - - 1,414,615 234,326 - - - - 234,326 3. Option • A m b o n • B a l i k p a p a n • B a n d a r L a m p u n g • B a n d u n g • Bandung Timur • Bangkalan • Banjarmasin
a. Written - - - - - • Banjarbaru • Batam • B a n y u w a n g i • Bekasi • Bengkulu • Bintaro Jaya • Bogor • Bumi Serpong Damai
III. OTHER INFORMATION b. Purchased - - - - - • Cibinong • Cibubur • Cikarang • Cilegon • Cimahi • Ciputat • Cirebon • Denpasar • Depok • Gresik • Gorontalo
4. Future - - - - - • Harapan Indah • Jakarta Cawang • Jakarta Kuningan • Jakarta Harmoni • Jakarta Melawai • Jakarta Pluit • Jambi
1. Value of bank’s assets pledge as collateral: • Jayapura • Jember • Karawaci • Karawang • Kelapa Gading Square • Kebon Jeruk • Kediri • Kendari • Kudus
5. Swap - - - - -
a. To Bank Indonesia - - 6. Others 2,349,160 - 2,349,160 70,302 - • Kupang • Madiun • Magelang • Makassar • Malang • Mamuju • Manado • Mataram • Medan • Mojokerto • Mulyosari
b. To others - - • Padang • Palangkaraya • Palembang • Palu • Panakukkang • Pangkal Pinang • Pare-Pare • Pekalongan
2. Repossessed assets 77,591 77,591 B. Interest Rate Related • Pekanbaru • Pematang Siantar • Pontianak • Purwakarta • Purwokerto • Samarinda • Semarang • Sidoarjo
• Singaraja • Solo • Sukabumi • Surabaya • Surabaya Bukit Darmo • Tangerang • Tanjung Pinang • Tarakan
1. Forward - - - - - • Tasikmalaya • Tegal • Ternate • Yogyakarta.
2. Option
LOSSES AND ALLOWANCE FOR ASSET QUALITY ASSESSMENT a. Written - - - - -
As of September 30, 2023 and 2022 b. Purchased - - - - - Jakarta, November 28, 2023
(In Millions of Rupiah) 3. Future - - - - - S.E. & O
4. Swap - - - - -
5. Others - - - - - PT BANK TABUNGAN NEGARA (PERSERO) Tbk.
September 30, 2023 (Reviewed) September 30, 2022 Directors
C. Others - - - - -
No. DESCRIPTION Allowance for Impairment Required allowance for Allowance for Impairment Required allowance for
losses on earning assets losses on earning assets TOTAL 2,349,160 - 2,349,160 70,302 -
Stage 1 Stage 2 Stage 3 General Special Stage 1 Stage 2 Stage 3 General Special
PRIME LENDING RATE
1. Placements with other banks 24 - 1,711 27,163 1,711 16 - 1,561 20,162 1,561 As Of September 30, 2023
2. Spot and derivative receivables/forward - - - 703 - - - - 826 - (% per annum)
3. Securities 212 - 2,000 42,210 61,533 20 - 2,000 52,893 64,780 Nixon L.P. Napitupulu Nofry Rony Poetra
Prime Lending Rate
4. Securities sold with agreement to repurchase (Repo) - - - - - - - - - - President Director Director of Finance
5. Securities purchased with agreement to resell (Reverse Repo) - - - - - - - - - - Business Segment
6. Acceptances receivables 730 - - 8,104 - 181 - - 5,384 - Corporate Retail Micro Consumer Loan
7. Loans and financing provided 2,770,739 3,281,402 9,920,574 2,743,987 10,584,253 2,856,216 2,363,872 9,823,241 2,624,292 7,076,586 Loan Loan Loan Mortgage Non Mortgage
8. Investments in shares - - - - - - - - - -
9. Other receivable - - - - - - - - - -
Contact Center : 1500286
Prime Lending Rate 8.05% 8.30% n/a 7.30% 8.80%
10. Commitments and contingencies 1,867 13 1,013 28,770 30,259 4,558 905 - 15,345 59,406
www.btn.co.id
Page 2
FINANCIAL STATEMENTS
PT BANK TABUNGAN NEGARA (PERSERO) Tbk.
STATEMENT OF FINANCIAL POSITION STATEMENT OF INCOME AND OTHER COMPREHENSIVE
As Of September 30, 2023 And December 31, 2022 For the Period Ended September 30, 2023 and 2022
(In Millions of Rupiah) (In Millions of Rupiah)
Sep 30, 2023 Dec 31, 2022 NO. DESCRIPTION Sep 30, 2023 Sep 30, 2022
NO. ACCOUNT (Reviewed) (Audited) (Reviewed)
ASSETS OPERATING INCOME AND EXPENSES
1. Cash 98,740 112,768
A. Operating Income and Expenses
2. Placement with Bank Indonesia 5,174,225 5,459,362
3. Placement with Other Bank 1,700 1,198 1. Revenue from Fund Management as Mudharib
4. Investments in Marketable Securities 8,061,269 8,927,958 a. Income from Receipable Financing 1,899,529 1,365,622
5. Receivable Financing 31,004,135 26,776,404 b. Income from Revenue Sharing Financing 268,840 266,404
6. Revenue Sharing Financing 4,787,544 4,847,735 c. Income from Revenue from Ijarah - -
7. Ijarah Receivable - - d. Other Main Operating Income 455,842 259,050
8. Other Productive Assets - - 2. Third Parties Share on Returns of Temporary Syirkah Funds (1,024,108) (550,625)
9. Allowance for Impairment on Finansial Assets (1,548,209) (1,572,011) a. Non Profit Sharing (1,024,108) (550,625)
10. Premisses and Equipment 24,407 19,482 b. Profit Sharing - -
11. Non Productive Assets - - 3. Revenue after Sharing Distribustion 1,600,103 1,340,451
12. Other Assets 809,594 762,679
B. Other Operating Income and Expenses
TOTAL ASSETS 48,413,405 45,335,575 1. Gain (Loss) from foreign Currencies Transaction - -
LIABILITIES 2. Income Bank as Mudharib from Revenue Sharing - -
1. Wadiah Deposits 3. Comissions / Provisions / Fees and Administrative 66,528 53,633
a. Current Accounts 10,947,570 8,623,601 4. Other Income - -
b. Saving Accounts 1,238,766 1,193,717 5. Bonus on Wadiah Demand Deposite (54,796) (40,188)
2. Temporary Syirkah Fund 6. Impairment for Financial Assets (186,795) (428,919)
a. Current Accounts 609,437 480,787 7. Losses Related to Financial Assets - -
b. Saving Accounts 4,885,144 4,819,113 8. Impairment for Other Financial Assets (46,438) (94,444)
c. Time Deposits 18,570,430 19,523,557 9. Salaries and Employee Benefits (434,893) (215,178)
3. Liabilities to Bank Indonesia - - 10. Other Expense (542,816) (380,066)
4. Liabilities to Other Bank 27,123 40,028
Other Operating Income (Expenses) (1,199,210) (1,105,162)
5. Securities Issued 92,553 -
6. Other Liabilities 4,234,764 3,365,774 PROFIT AND LOSS FROM OPERATIONS 400,893 235,289
7. Profit Sharing Deposits - - NON OPERATING INCOME AND EXPENSES
8. Business Fund 7,379,678 6,940,992
9. Retained Earning 1. Gain (Loss) for Sales of Premises and Equipment - -
a. Other Comprehensive Income 22,254 9,636 2. Other Non Operating Income (Expenses) (1) (17)
b. Previous Year 4,794 4,794 PROFIT AND LOSS FROM NON OPERATIONS (1) (17)
c. Current Year 400,892 333,576
TOTAL LIABILITIES 48,413,405 45,335,575 PROFIT AND LOSS CURRENT PERIOD BEFORE TAX 400,892 235,272
Income Tax Expenses - -
PROFIT AND LOSS CURRENT PERIOD 400,892 235,272
REVENUE SHARING DISTRIBUTION
Period September 30, 2023 OTHER COMPREHENSIVE INCOME
(In Millions of Rupiah) 1. Unreclasiffied to Profit (Loss) - -
2. Reclasiffied to Profit (Loss) 12,618 (50,607)
Net Revenue Sharing
OTHER COMPREHENSIVE INCOME FOR THE YEAR
SHARE OF SHAHIBUL MAAL AFTER TAX 12,618 (50,607)
AVERAGE INCOME
NO. COLLECTIVE TYPE THAT MUST BONUS AND INDIKASI
BALANCE TOTAL COMPREHENSIVE PROFIT (LOSS) FOR THE YEAR 413,510 184,665
RATIOS REVENUE
BE DIVIDED SHARING
EQV.
STATEMENT OF COMMITMENTS AND CONTINGENCIES
I. Liabilities to Other Bank - - - - - As Of September 30, 2023 And December 31, 2022
(In Millions of Rupiah)
II. Mudharabah Current Deposits
a. Bank 2 - 7.00% - 0.67% NO. DESCRIPTION Sep 30, 2023 Dec 31, 2022
(Reviewed) (Audited)
b. Non Bank 586,892 4,716 9.57% 451 0.92%
1. COMMITMENT RECEIVABLES
III. Mudharabah Saving Deposits
1. Unused Fund Borrowing/Financing Fasilities - -
a. Bank 15.757 127 32.56% 41 3.14%
2. Outstanding Purchase Position on Spot and Derivative/forward - -
b. Non Bank 5,050,629 40,583 33.93% 13,769 3.27%
3. Others - -
IV. Mudharabah Time Deposits 2. COMMITMENT PAYABLES
a. Bank 1. Unused Loan Fasilities Granted to Customer 1,038,144 774,926
1 Month 700 6 29.50% 2 2.84% 2. Outstanding Sales Position on Spot and Derivative/forward
3 Month 3,000 24 29.50% 7 2.84% 3. Others
6 Month 10 - 29.50% - 2.84%
12 Month - - 0.00% - - 3. CONTIGENT RECEIVABLE - -
b. Non Bank 1. Guarantees Received - -
1 Month 3,988,102 32,045 26.29% 8,424 2.53% 2. Income in Progress - -
3 Month 8,160,553 65,572 29.50% 19,344 2.84% 3. Others 3,140,012 2,823,561
6 Month 1,075,651 8,643 29.50% 2,550 2.84% 4. CONTIGENT PAYABLES
12 Month 75,553 607 30.13% 183 2.91% 1. Guarantees Issued 423 400
V. Fund Borrowings 2,638,075 96,597 10.13% 9,783 4.45% 2. Others - -
TOTAL 21.594.924 248.920 54.554
FINANCIAL RATIOS
For the Period Ended September 30, 2023 and 2022
AVERAGE INCOME
NO. TYPE OF DISBURSEMENT
BALANCE RECEIVED NO. RATIOS Sep 30, 2023 Sep 30, 2022
(Reviewed)
1. Total Assets Sharia Unit to Total Assets Consolidation 11.82% 10.61%
I. Placement with Other Bank - - 2. Non Performing Productive Assets to Total Productive Assets 2.51% 3.04%
II. Murabahah Receivable 3. Allowance for Impairment on Productive Assets
a. Bank - - to Total Productive Assets 3.53% 4.05%
b. Non Bank 7,742,191 122,796 4. Gross NPF 3.07% 3.61%
5. Nett NPF 0.13% 0.85%
III. Istishna Receivable 6. Return On Assets (ROA) 1.15% 0.80%
a. Bank - - 7. Financing Revenue Sharing to Total Financing 13.38% 18.76%
b. Non Bank 240,564 29,936 8. Financing to Deposit Ratio (FDR) 98.73% 97.75%
IV. Multi-Service Receivable Notes :
a. Bank - - - Circular Letter of Financial Services Authority (SEOJK) Number 10/SEOJK.03/2020 regarding
b. Non Bank 12,020 45 “Transparency and Published Financial Statements of The Sharia Commercial Bank and Sharia Unit.
V. Rahn Financing Head Office :
a. Bank - - Menara Bank BTN. Jl. Gajah Mada No. 1. Jakarta 10130 Phone : (021) 6336789. 6332666
b. Non Bank 2 - Sharia Branch Office :
VI. Mudharabah Financing • Balikpapan • Banda Aceh • Bandar Lampung • Bandung • Banjarmasin • Batam • Bekasi
a. Bank - - • Bengkulu • Bogor • Cirebon • Depok • Jakarta Harmoni • Jakarta Pasar Minggu • Jambi
b. Non Bank 171,974 840 • Karawang • Kendari • Makassar • Malang • Mataram • Medan • Padang • Palembang • Palu
• Pekanbaru • Pontianak • Semarang • Serang • Solo • Surabaya • Tangerang • Tasikmalaya
VII. Musyarakah Financing • Tegal • Yogyakarta
a. Bank - -
b. Non Bank 4,712,190 32,832 Jakarta, November 28, 2023
PT BANK TABUNGAN NEGARA (PERSERO) Tbk.
VIII. Ijarah Receivable Sharia Business Unit
a. Bank - -
b. Non Bank - -
IX. Other Financing
a. Bank - -
b. Non Bank 147.574 5 M. Quraish Shihab Hirwandi Gafar
Sharia Supervisory Board Director of Consumer
TOTAL 13,026,515 186,454
Names mentioned 0 people and organisations named in the text · linked when the evidence is strong
The name pass has not read this document yet.
Extraction attempts how the parser did, and what it refused
Nothing structured was extracted from this document — the attempts below say why.
No extraction attempted yet.
Other files in this announcement 9
Checklist.pdf
done
FinancialStatement-2023-III-BBTN.xlsx
done
btn_billingual.pdf
done
inlineXBRL.zip
done
instance.zip
done