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Nomor Surat B.629/DIR.02.05/CSC/11/2023
Nama Emiten PT Bank Raya Indonesia Tbk
Kode Emiten AGRO
Perihal Penyampaian Laporan Keuangan Interim (KOREKSI)
Perseroan dengan ini menyampaikan laporan keuangan untuk periode 9 Bulan yang berakhir pada 30/09/2023 dengan ikhtisar sebagai berikut :
Informasi mengenai anak perusahaan Perseroan sebagai berikut :
Dokumen ini merupakan dokumen resmi PT Bank Raya Indonesia Tbk yang tidak memerlukan tanda tangan karena dihasilkan secara elektronik.
PT Bank Raya Indonesia Tbk bertanggung jawab penuh atas informasi tertera di dalam dokumen ini.
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[1000000] General information
Informasi umum General information
30 September 2023
Nama entitas PT Bank Raya Indonesia Tbk Entity name
Penjelasan perubahan nama dari akhir Explanation of change in name from
periode laporan sebelumnya the end of the preceding reporting
period
Kode entitas AGRO Entity code
Nomor identifikasi entitas AA420 Entity identification number
Industri utama entitas Keuangan dan Syariah / Entity main industry
Financial and Sharia
Standar akutansi yang dipilih PSAK Selected accounting standards
Sektor G. Financials Sector
Subsektor G1. Banks Subsector
Industri G11. Banks Industry
Subindustri G111. Banks Subindustry
Informasi pemegang saham Controlling shareholder information
National Corporation
pengendali
Jenis entitas Local Company - Indonesia Type of entity
Jurisdiction
Jenis efek yang dicatatkan Saham dan Obligasi / Stock and Type of listed securities
Bond
Jenis papan perdagangan tempat Type of board on which the entity is
Utama / Main
entitas tercatat listed
Apakah merupakan laporan keuangan Whether the financial statements are
satu entitas atau suatu kelompok Entitas tunggal / Single entity of an individual entity or a group of
entitas entities
Periode penyampaian laporan Period of financial statements
Kuartal III / Third Quarter
keuangan submissions
Tanggal awal periode berjalan January 01, 2023 Current period start date
Tanggal akhir periode berjalan September 30, 2023 Current period end date
Tanggal akhir tahun sebelumnya December 31, 2022 Prior year end date
Tanggal awal periode sebelumnya January 01, 2022 Prior period start date
Tanggal akhir periode sebelumnya September 30, 2022 Prior period end date
Tanggal akhir 2 tahun sebelumnya December 31, 2021 Prior 2 year end date
Mata uang pelaporan Rupiah / IDR Description of presentation currency
Kurs konversi pada tanggal pelaporan Conversion rate at reporting date if
jika mata uang penyajian selain rupiah presentation currency is other than
rupiah
Pembulatan yang digunakan dalam Level of rounding used in financial
penyajian jumlah dalam laporan Ribuan / In Thousand statements
keuangan
Jenis laporan atas laporan keuangan Tidak Diaudit / Unaudit Type of report on financial statements
Jenis opini auditor Type of auditor's opinion
Hal yang diungkapkan dalam paragraf Matters disclosed in
pendapat untuk penekanan atas suatu emphasis-of-matter or other-matter
masalah atau paragraf penjelasan paragraph, if any
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 hasil Date of auditor's opinion or result of
laporan review review report
Auditor tahun berjalan Current year auditor
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Nama partner audit tahun berjalan Name of current year audit signing
partner
Lama tahun penugasan partner yang Number of years served as audit
menandatangani signing partner
Auditor tahun sebelumnya Prior year auditor
Nama partner audit tahun sebelumnya Name of prior year audit signing
partner
Kepatuhan terhadap pemenuhan Whether in compliance with OJK rules
peraturan OJK Nomor: No. 75/POJK.04/2017 concerning
Ya / Yes
75/POJK.04/2017 tentang Tanggung responsibilities of board of directors on
Jawab Direksi Atas Laporan Keuangan financial statements
Kepatuhan terhadap pemenuhan Compliance to the independency of
independensi akuntan yang Accountant that provide services in
memberikan jasa audit di pasar modal Capital Market as regulated in OJK
sesuai dengan POJK Nomor Ya / Yes rules No. 13/POJK.03/2017
13/POJK.03/2017 tentang concerning The Use of Public
Penggunaan Jasa Akuntan Publik Accountant and Auditing Firm in
dalam Kegiatan Jasa Keuangan Financial Services Activities.
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[4220000] Statement of financial position presented using order of liquidity -
Financial and Sharia Industry
Laporan posisi keuangan Statement of financial position
30 September 2023 31 December 2022
Aset Assets
Kas 8,455,895 11,262,053 Cash
Giro pada bank lain Current accounts with other
banks
Giro pada bank lain pihak Current accounts with
21,669,846 39,661,578
ketiga other banks third parties
Giro pada bank lain pihak Current accounts with
114,590,737 153,547,571
berelasi other banks related parties
Cadangan kerugian Allowance for impairment
penurunan nilai pada giro ( 36,670 ) ( 53,601 ) losses for current
pada bank lain accounts with other bank
Efek-efek yang Marketable securities
diperdagangkan
Efek-efek yang Marketable securities third
diperdagangkan pihak 91,369,780 61,019,100 parties
ketiga
Efek-efek yang Marketable securities
diperdagangkan pihak 4,410,444,265 4,302,612,996 related parties
berelasi
Cadangan kerugian Allowance for impairment
penurunan nilai pada losses for marketable
( 772,278 ) ( 555,123 )
efek-efek yang securities
diperdagangkan
Efek yang dibeli dengan janji Securities purchased under
289,398,176 0
dijual kembali agreement to resale
Tagihan akseptasi Acceptance receivables
Tagihan akseptasi pihak Acceptance receivables
70,880,537
ketiga third parties
Cadangan kerugian Allowance for impairment
penurunan nilai pada ( 85,589 ) losses for acceptance
tagihan akseptasi receivables
Pinjaman yang diberikan Loans
Pinjaman yang diberikan Loans third parties
4,620,402,867 6,265,764,653
pihak ketiga
Pinjaman yang diberikan Loans related parties
1,001,822,614 1,500,879,348
pihak berelasi
Cadangan kerugian Allowance for impairment
penurunan nilai pada ( 808,808,284 ) ( 1,321,540,011 ) losses for loans
pinjaman yang diberikan
Aset keuangan lainnya 77,510 77,510 Other financial assets
Biaya dibayar dimuka 20,177,181 5,424,742 Prepaid expenses
Aset pajak tangguhan 161,533,779 287,082,403 Deferred tax assets
Aset tetap Property, plant, and
423,990,604 472,750,618
equipment
Agunan yang diambil alih 4,836,899 4,836,899 Foreclosed assets
Aset lainnya 65,601,587 119,307,423 Other assets
Jumlah aset 11,433,447,051 13,898,775,065 Total assets
Liabilitas, dana syirkah Liabilities, temporary syirkah
temporer dan ekuitas funds and equity
Liabilitas Liabilities
Liabilitas segera Obligations due
23,058,598 16,720,511
immediately
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Simpanan nasabah Customers deposits
Giro Current accounts
Giro pihak ketiga Current accounts
268,523,955 1,326,739,389
third parties
Giro pihak berelasi Current accounts
116,908,128 189,152,089
related parties
Tabungan Savings
Tabungan pihak Savings third
1,121,038,227 1,289,936,634
ketiga parties
Tabungan pihak Savings related
262,264,916 298,449,216
berelasi parties
Deposito berjangka Time deposits
Deposito berjangka Time deposits third
4,949,322,844 5,950,851,373
pihak ketiga parties
Deposito berjangka Time deposits
347,254,838 759,772,318
pihak berelasi related parties
Deposito wakalah Wakalah deposits
Deposito wakalah Wakalah deposits
0
pihak ketiga third parties
Deposito wakalah Wakalah deposits
0
pihak berelasi related parties
Simpanan dari bank lain Other banks deposits
Simpanan dari bank Other banks deposits
0
lain pihak berelasi related parties
Simpanan dari bank Other banks deposits
348,368,612 2,004,021
lain pihak ketiga third parties
Efek yang dijual dengan Securities sold with
290,857,758 273,751,943
janji untuk dibeli kembali repurchase agreement
Liabilitas akseptasi Acceptance liabilities
Liabilitas akseptasi Acceptance liabilities
0
pihak berelasi related parties
Liabilitas akseptasi Acceptance liabilities
70,880,537
pihak ketiga third parties
Pinjaman yang diterima Borrowings
Pinjaman yang Borrowings third
14,881,268 15,599,956
diterima pihak ketiga parties
Estimasi kerugian Estimated losses on
komitmen dan kontinjensi 484,897 2,812,147 commitments and
contingencies
Utang pajak 7,163,960 7,440,205 Taxes payable
Liabilitas lainnya 193,808,091 233,561,441 Other liabilities
Kewajiban imbalan pasca Post-employment benefit
88,257,608 72,016,003
kerja obligations
Jumlah liabilitas 8,032,193,700 10,509,687,783 Total liabilities
Ekuitas Equity
Ekuitas yang Equity attributable to
diatribusikan kepada equity owners of parent
pemilik entitas induk entity
Saham biasa 2,474,049,429 2,474,010,781 Common stocks
Tambahan modal Additional paid-in
3,735,116,314 3,734,973,042
disetor capital
Opsi saham 57,862 Stock options
Cadangan perubahan Reserve for changes in
nilai wajar aset fair value of fair value
keuangan nilai wajar ( 18,415,289 ) ( 13,973,479 ) through other
melalui pendapatan comprehensive income
komprehensif lainnya financial assets
Cadangan pengukuran Reserve of
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kembali program ( 4,295,628 ) ( 6,106,664 ) remeasurements of
imbalan pasti defined benefit plans
Saldo laba Retained earnings
(akumulasi kerugian) (deficit)
Saldo laba yang Appropriated
telah ditentukan retained earnings
penggunaanya
Cadangan General and
32,254,317 32,254,317
umum dan wajib legal reserves
Cadangan Specific
116,559 116,559
khusus reserves
Saldo laba yang Unappropriated
belum ditentukan ( 2,817,572,351 ) ( 2,832,245,136 ) retained earnings
penggunaannya
Jumlah ekuitas yang Total equity
diatribusikan kepada attributable to equity
3,401,253,351 3,389,087,282
pemilik entitas induk owners of parent
entity
Jumlah ekuitas 3,401,253,351 3,389,087,282 Total equity
Jumlah liabilitas, dana Total liabilities, temporary
syirkah temporer dan 11,433,447,051 13,898,775,065 syirkah funds and equity
ekuitas
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[4312000] Statement of profit or loss and other comprehensive income, OCI
components presented net of tax, by nature - Financial and Sharia Industry
Laporan laba rugi dan penghasilan Statement of profit or loss and other
komprehensif lain comprehensive income
30 September 2023 30 September 2022
Pendapatan dan beban Operating income and
operasional expenses
Pendapatan bunga 661,780,262 778,359,172 Interest income
Beban bunga ( 302,539,541 ) ( 264,207,727 ) Interest expenses
Pendapatan sekuritas Securities income
Keuntungan (kerugian) Realised gains (losses) on
dari transaksi trading of marketable
33,115,428 29,799,797
perdagangan efek yang securities
telah direalisasi
Pendapatan operasional Other operating income
lainnya
Pendapatan provisi dan Provisions and
komisi dari transaksi commissions income from
8,565,489 11,485,788
lainnya selain kredit transactions other than
loan
Penerimaan kembali aset Revenue from recovery of
yang telah 182,258,795 416,318,334 written-off assets
dihapusbukukan
Keuntungan (kerugian) Gains (losses) on changes
selisih kurs mata uang 2,190,967 in foreign exchange rates
asing
Pendapatan operasional Other operating income
21,614,293 211,529
lainnya
Pembentukan kerugian Allowances for impairment
penurunan nilai losses
Pembentukan penyisihan Allowances for impairment
kerugian penurunan nilai ( 14,305,048 ) ( 456,508,223 ) losses on earnings assets
aset produktif
Beban operasional lainnya Other operating expenses
Beban umum dan General and
( 219,523,993 ) ( 177,528,751 )
administrasi administrative expenses
Beban operasional Other operating
( 230,554,148 ) ( 233,737,482 )
lainnya expenses
Jumlah laba operasional 140,411,537 106,383,404 Total profit from operation
Pendapatan dan beban bukan Non-operating income and
operasional expense
Pendapatan bukan Non-operating income
489,789 2,535,728
operasional
Jumlah laba (rugi) sebelum Total profit (loss) before tax
140,901,326 108,919,132
pajak penghasilan
Pendapatan (beban) pajak ( 126,228,541 ) ( 76,446,983 ) Tax benefit (expenses)
Jumlah laba (rugi) dari operasi Total profit (loss) from
14,672,785 32,472,149
yang dilanjutkan continuing operations
Jumlah laba (rugi) 14,672,785 32,472,149 Total profit (loss)
Pendapatan komprehensif Other comprehensive income,
lainnya, setelah pajak after tax
Pendapatan komprehensif Other comprehensive
lainnya yang tidak akan income that will not be
direklasifikasi ke laba rugi, reclassified to profit or
setelah pajak loss, after tax
Pendapatan komprehensif Other comprehensive
Page 8
lainnya atas pengukuran income for
kembali kewajiban 2,321,840 2,158,253 remeasurement of defined
manfaat pasti, setelah benefit obligation, after tax
pajak
Penyesuaian lainnya atas Other adjustments to other
pendapatan komprehensif comprehensive income
lainnya yang tidak akan ( 510,805 ) ( 474,816 ) that will not be reclassified
direklasifikasi ke laba rugi, to profit or loss, after tax
setelah pajak
Pendapatan komprehensif Other comprehensive
lainnya yang akan income that may be
direklasifikasi ke laba rugi, reclassified to profit or
setelah pajak loss, after tax
Keuntungan (kerugian) Unrealised gains (losses)
yang belum direalisasi on changes in fair value
atas perubahan nilai wajar through other
( 5,632,532 ) ( 121,350,516 )
aset keuangan melalui comprehensive income
penghasilan komprehensif financial assets, after tax
lain, setelah pajak
Penyesuaian lainnya atas Other adjustments to other
pendapatan komprehensif comprehensive income
lainnya yang akan 1,190,722 26,749,874 that may be reclassified to
direklasifikasi ke laba rugi, profit or loss, after tax
setelah pajak
Jumlah pendapatan Total other comprehensive
komprehensif lainnya, ( 2,630,775 ) ( 92,917,205 ) income, after tax
setelah pajak
Jumlah laba rugi komprehensif 12,042,010 ( 60,445,056 ) Total comprehensive income
Laba (rugi) yang dapat Profit (loss) attributable to
diatribusikan
Laba (rugi) yang dapat Profit (loss) attributable to
14,672,785 32,472,149
diatribusikan ke entitas induk parent entity
Laba rugi komprehensif yang Comprehensive income
dapat diatribusikan attributable to
Laba rugi komprehensif yang Comprehensive income
dapat diatribusikan ke entitas 12,042,010 ( 60,445,056 ) attributable to parent entity
induk
Laba (rugi) per saham Earnings (loss) per share
Laba per saham dasar Basic earnings per share
diatribusikan kepada attributable to equity
pemilik entitas induk owners of the parent entity
Laba (rugi) per saham Basic earnings (loss) per
dasar dari operasi yang 0.6 1.43 share from continuing
dilanjutkan operations
Laba (rugi) per saham Diluted earnings (loss) per
dilusian share
Laba (rugi) per saham Diluted earnings (loss) per
dilusian dari operasi yang 0.6 1.43 share from continuing
dilanjutkan operations
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[4410000] Statement of changes in equity - Financial and Sharia Industry - Current Year
30 September 2023
Laporan perubahan ekuitas Statement of changes in equity
Cadangan perubahan
Saldo laba yang telah Saldo laba yang telah
nilai wajar aset Cadangan pengukuran Saldo laba yang belum Ekuitas yang dapat
ditentukan ditentukan
Saham biasa Tambahan modal disetor Opsi saham keuangan nilai wajar kembali program ditentukan diatribusikan kepada Ekuitas
penggunaannya-cadangan penggunaannya-cadangan
melalui pendapatan imbalan pasti penggunaannya entitas induk
umum dan wajib khusus
komprehensif lainnya
Reserve for changes in
fair value of fair value Reserve of Appropriated retained
Appropriated retained Unappropriated retained Equity attributable to
Common stocks Additional paid-in capital Stock options through other remeasurements of earnings-general and legal Equity
earnings-specific reserves earnings parent entity
comprehensive income defined benefit plans reserves
financial assets
Posisi ekuitas Equity position
Saldo awal periode sebelum penyajian kembali 2,474,010,781 3,734,973,042 57,862 ( 13,973,479 ) ( 6,106,664 ) 32,254,317 116,559 ( 2,832,245,136 ) 3,389,087,282 3,389,087,282 Balance before restatement at beginning of period
Posisi ekuitas, awal periode 2,474,010,781 3,734,973,042 57,862 ( 13,973,479 ) ( 6,106,664 ) 32,254,317 116,559 ( 2,832,245,136 ) 3,389,087,282 3,389,087,282 Equity position, beginning of the period
Laba (rugi) 14,672,785 14,672,785 14,672,785 Profit (loss)
Pendapatan komprehensif lainnya ( 4,441,810 ) 1,811,035 ( 2,630,775 ) ( 2,630,775 ) Other comprehensive income
Penerbitan saham biasa 38,648 143,272 181,920 181,920 Issuance of common stocks
Pelaksanaan opsi saham ( 57,862 ) ( 57,862 ) ( 57,862 ) Stock options exercised
Transaksi ekuitas lainnya 1 1 1 Other equity transactions
Posisi ekuitas, akhir periode 2,474,049,429 3,735,116,314 0 ( 18,415,289 ) ( 4,295,628 ) 32,254,317 116,559 ( 2,817,572,351 ) 3,401,253,351 3,401,253,351 Equity position, end of the period
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[4410000] Statement of changes in equity - Financial and Sharia Industry - Prior Year
30 September 2022
Laporan perubahan ekuitas Statement of changes in equity
Cadangan perubahan
Saldo laba yang telah Saldo laba yang telah
nilai wajar aset Cadangan pengukuran Saldo laba yang belum Ekuitas yang dapat
ditentukan ditentukan
Saham biasa Tambahan modal disetor Opsi saham keuangan nilai wajar kembali program ditentukan diatribusikan kepada Ekuitas
penggunaannya-cadangan penggunaannya-cadangan
melalui pendapatan imbalan pasti penggunaannya entitas induk
umum dan wajib khusus
komprehensif lainnya
Reserve for changes in
fair value of fair value Reserve of Appropriated retained
Appropriated retained Unappropriated retained Equity attributable to
Common stocks Additional paid-in capital Stock options through other remeasurements of earnings-general and legal Equity
earnings-specific reserves earnings parent entity
comprehensive income defined benefit plans reserves
financial assets
Posisi ekuitas Equity position
Saldo awal periode sebelum penyajian kembali 2,274,652,671 2,943,713,773 81,544 54,152,909 ( 3,602,953 ) 32,254,317 116,559 ( 2,843,705,641 ) 2,457,663,179 2,457,663,179 Balance before restatement at beginning of period
Posisi ekuitas, awal periode 2,274,652,671 2,943,713,773 81,544 54,152,909 ( 3,602,953 ) 32,254,317 116,559 ( 2,843,705,641 ) 2,457,663,179 2,457,663,179 Equity position, beginning of the period
Laba (rugi) 32,472,149 32,472,149 32,472,149 Profit (loss)
Pendapatan komprehensif lainnya ( 94,600,642 ) 1,683,437 ( 92,917,205 ) ( 92,917,205 ) Other comprehensive income
Penerbitan saham biasa 37,927 73,957 111,884 111,884 Issuance of common stocks
Pelaksanaan opsi saham 13,635 ( 13,635 ) Stock options exercised
Posisi ekuitas, akhir periode 2,274,690,598 2,943,801,365 67,909 ( 40,447,733 ) ( 1,919,516 ) 32,254,317 116,559 ( 2,811,233,492 ) 2,397,330,007 2,397,330,007 Equity position, end of the period
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[4510000] Statement of cash flows, direct method - Financial and Sharia
Industry
Laporan arus kas Statement of cash flows
30 September 2023 30 September 2022
Arus kas dari aktivitas operasi Cash flows from operating
activities
Arus kas sebelum Cash flows before changes
perubahan dalam aset dan in operating assets and
liabilitas operasi liabilities
Penerimaan bunga, hasil Interest, investment
investasi, provisi, dan 709,419,596 762,328,875 income, fees and
komisi commissions received
Pembayaran bunga dan Payments Of Interest And
bonus, provisi dan komisi ( 302,081,927 ) ( 514,993,795 ) Bonus Fees And
Commissions
Pendapatan dari transaksi Income from other
59,666,455 41,453,437
operasional lainnya operating transactions
Penerimaan kembali aset Recoveries of written off
yang telah 182,258,795 418,979,140 assets
dihapusbukukan
Penerimaan Refunds (payments) of
pengembalian income tax
0 ( 4,850,961 )
(pembayaran) pajak
penghasilan
Pembayaran beban Payments for other
( 216,877,452 ) ( 335,198,482 )
operasional lainnya operating expenses
Penerimaan pendapatan Receipts from
481,829 2,161,318
non-operasional non-operating income
Penurunan (kenaikan) aset Decrease (increase) in
operasi operating assets
Penurunan (kenaikan) Decrease (increase) in
( 628,378,402 ) ( 108,448,561 )
efek yang diperdagangkan marketable securities
Penurunan (kenaikan) Decrease (increase) in
efek yang dibeli dengan ( 289,398,176 ) 650,377,813 securities purchased
janji dijual kembali under resale agreements
Penurunan (kenaikan) Decrease (increase) in
1,612,569,893 2,325,478,365
pinjaman yang diberikan loans
Penurunan (kenaikan) Decrease (increase) in
( 8,616,216 ) ( 9,987,326 )
aset lainnya other assets
Kenaikan (penurunan) Increase (decrease) in
liabilitas operasi operating liabilities
Kenaikan (penurunan) Increase (decrease) in
liabilitas segera 6,338,087 9,831,889 obligations due
immediately
Kenaikan (penurunan) giro Increase (decrease) in
dan tabungan simpanan ( 1,335,542,102 ) ( 1,737,529,960 ) current accounts and
nasabah customers savings
Kenaikan (penurunan) Increase (decrease) in
deposito berjangka ( 1,414,046,009 ) ( 2,134,651,221 ) customers time deposits
nasabah
Kenaikan (penurunan) Increase (decrease) in
simpanan dari bank lain 346,364,591 ( 29,303,085 ) other banks saving
deposits
Kenaikan (penurunan) Increase (decrease) in
efek yang dijual dengan ( 351,368,543 ) securities sold under
janji dibeli kembali repurchase agreement
Kenaikan (penurunan) Increase (decrease) in
Page 12
liabilitas lainnya ( 117,208,480 ) ( 40,955,768 ) other liabilities
Jumlah arus kas bersih Total net cash flows
yang diperoleh dari received from (used in)
( 1,395,049,518 ) ( 1,056,676,865 )
(digunakan untuk) aktivitas operating activities
operasi
Arus kas dari aktivitas Cash flows from investing
investasi activities
Penerimaan dividen dari Dividends received from
202,098 43,677
aktivitas investasi investing activities
Penerimaan dari penjualan Proceeds from disposal
(perolehan) aset tetap ( 86,896,505 ) ( 72,125,497 ) (acquisition) of property and
equipment
Penerimaan (pengeluaran) Other cash inflows (outflows)
kas lainnya dari aktivitas 488,210,739 ( 5,465,451 ) from investing activities
investasi
Jumlah arus kas bersih Total net cash flows
yang diperoleh dari received from (used in)
401,516,332 ( 77,547,271 )
(digunakan untuk) aktivitas investing activities
investasi
Arus kas dari aktivitas Cash flows from financing
pendanaan activities
Pembayaran pinjaman yang Payments for borrowings
( 718,688 ) ( 683,708 )
diterima
Penerimaan dari penerbitan Proceeds from issuance of
38,648 37,927
saham baru new stocks
Penerimaan setoran modal Proceeds from capital
143,272 87,592
contributions
Penerimaan (pengeluaran) Other cash inflows (outflows)
kas lainnya dari aktivitas 17,105,815 313,130,037 from financing activities
pendanaan
Jumlah arus kas bersih Total net cash flows
yang diperoleh dari received from (used in)
16,569,047 312,571,848
(digunakan untuk) aktivitas financing activities
pendanaan
Jumlah kenaikan (penurunan) Total net increase (decrease)
( 976,964,139 ) ( 821,652,288 )
bersih kas dan setara kas in cash and cash equivalents
Kas dan setara kas arus kas, Cash and cash equivalents cash
2,130,373,160 2,140,267,175
awal periode flows, beginning of the period
Kas dan setara kas arus kas, Cash and cash equivalents
1,153,409,021 1,318,614,887
akhir periode cash flows, end of the period
Page 13
[4610000] Explanation for Significant Accounting Policy - Financial and Sharia Industry
Page 14
[4611000] Notes to the financial statements - Property, Plant, and Equipement - Financial and Sharia Industry - Current Year
30 September 2023
Aset tetap Property, plant, and equipment
Aset tetap, awal Penambahan aset Pengurangan aset Aset tetap, akhir
Reklasifikasi aset tetap
periode tetap tetap periode
Property, plant, and Reclassifications of
Addition in property, Disposals in property, Property, plant, and
equipment, beginning property, plant, and
plant, and equipment plant, and equipment equipment, end period
period equipment
Nilai perolehan, kotor Tanah, dimiliki langsung 154,559,803 154,559,803 Land, directly owned Carrying amount, gross
Bangunan dan Building and leasehold
fasilitasnya, dimiliki 101,520,471 101,520,471 improvement, directly
langsung owned
Perabot dan peralatan Furniture and office
kantor, dimiliki langsung 132,403,800 3,392,475 ( 3,883,023 ) 3,202,744 135,115,996 equipment, directly
owned
Kendaraan bermotor, Motor vehicle, directly
20,563,702 ( 1,173,040 ) 19,390,662
dimiliki langsung owned
Lainnya, dimiliki Others, directly owned
88,656,957 7,226,411 ( 3,142,433 ) 5,680,240 98,421,175
langsung
Dimiliki langsung 497,704,733 10,618,886 ( 8,198,496 ) 8,882,984 509,008,107 Directly owned
Lainnya, aset hak guna Others, right of use
112,123,145 73,448,625 ( 103,058,080 ) 82,513,690
assets
Aset hak guna 112,123,145 73,448,625 ( 103,058,080 ) 82,513,690 Right of use assets
Lainnya, dalam Others, assets under
8,882,984 ( 8,882,984 ) 0
penyelesaian construction
Aset dalam Assets under
8,882,984 ( 8,882,984 ) 0
penyelesaian construction
Aset tetap Property, plant, and
618,710,862 84,067,511 ( 111,256,576 ) 0 591,521,797
equipment
Akumulasi depresiasi Bangunan dan Building and leasehold Carrying amount,
fasilitasnya, dimiliki 28,270,087 2,911,440 31,181,527 improvement, directly accumulated
langsung owned depreciation
Perabot dan peralatan Furniture and office
kantor, dimiliki langsung 61,911,442 13,860,749 ( 3,752,928 ) 72,019,263 equipment, directly
owned
Kendaraan bermotor, Motor vehicle, directly
16,381,753 850,621 ( 1,170,834 ) 16,061,540
dimiliki langsung owned
Lainnya, dimiliki Others, directly owned
Page 15
langsung 19,551,739 9,524,205 ( 3,109,396 ) 25,966,548
Dimiliki langsung 126,115,021 27,147,015 ( 8,033,158 ) 145,228,878 Directly owned
Lainnya, aset hak guna Others, right of use
19,845,223 12,588,044 ( 10,130,952 ) 22,302,315
assets
Aset hak guna 19,845,223 12,588,044 ( 10,130,952 ) 22,302,315 Right of use assets
Aset tetap Property, plant, and
145,960,244 39,735,059 ( 18,164,110 ) 167,531,193
equipment
Nilai perolehan Aset tetap Property, plant, and Carrying amount
472,750,618 423,990,604
equipment
Page 16
[4611000] Notes to the financial statements - Property, Plant, and Equipement - Financial and Sharia Industry - Prior Year
31 December 2022
Aset tetap Property, plant, and equipment
Aset tetap, awal Penambahan aset Pengurangan aset Aset tetap, akhir
Reklasifikasi aset tetap
periode tetap tetap periode
Property, plant, and Reclassifications of
Addition in property, Disposals in property, Property, plant, and
equipment, beginning property, plant, and
plant, and equipment plant, and equipment equipment, end period
period equipment
Nilai perolehan, kotor Tanah, dimiliki langsung 154,559,803 154,559,803 Land, directly owned Carrying amount, gross
Bangunan dan Building and leasehold
fasilitasnya, dimiliki 100,822,569 697,902 101,520,471 improvement, directly
langsung owned
Perabot dan peralatan Furniture and office
kantor, dimiliki langsung 88,076,019 53,598,425 ( 7,519,280 ) ( 1,751,364 ) 132,403,800 equipment, directly
owned
Kendaraan bermotor, Motor vehicle, directly
19,481,023 3,891,789 ( 2,809,110 ) 20,563,702
dimiliki langsung owned
Lainnya, dimiliki Others, directly owned
23,796,751 66,095,089 ( 1,190,883 ) ( 44,000 ) 88,656,957
langsung
Dimiliki langsung 386,736,165 124,283,205 ( 11,519,273 ) ( 1,795,364 ) 497,704,733 Directly owned
Lainnya, aset hak guna Others, right of use
17,078,934 95,374,059 ( 329,848 ) 112,123,145
assets
Aset hak guna 17,078,934 95,374,059 ( 329,848 ) 112,123,145 Right of use assets
Lainnya, dalam Others, assets under
7,980,555 8,882,985 ( 7,980,556 ) 8,882,984
penyelesaian construction
Aset dalam Assets under
7,980,555 8,882,985 ( 7,980,556 ) 8,882,984
penyelesaian construction
Aset tetap Property, plant, and
411,795,654 228,540,249 ( 11,849,121 ) ( 9,775,920 ) 618,710,862
equipment
Akumulasi depresiasi Bangunan dan Building and leasehold Carrying amount,
fasilitasnya, dimiliki 24,400,510 3,869,577 28,270,087 improvement, directly accumulated
langsung owned depreciation
Perabot dan peralatan Furniture and office
kantor, dimiliki langsung 57,003,909 13,263,842 ( 7,369,147 ) ( 987,162 ) 61,911,442 equipment, directly
owned
Kendaraan bermotor, Motor vehicle, directly
18,038,195 1,115,541 ( 2,771,983 ) 16,381,753
dimiliki langsung owned
Lainnya, dimiliki Others, directly owned
Page 17
langsung 14,580,774 6,160,779 ( 1,189,814 ) 19,551,739
Dimiliki langsung 114,023,388 24,409,739 ( 11,330,944 ) ( 987,162 ) 126,115,021 Directly owned
Lainnya, aset hak guna Others, right of use
7,646,636 12,437,560 ( 238,973 ) 19,845,223
assets
Aset hak guna 7,646,636 12,437,560 ( 238,973 ) 19,845,223 Right of use assets
Aset dalam Assets under
0
penyelesaian construction
Aset tetap Property, plant, and
121,670,024 36,847,299 ( 11,569,917 ) ( 987,162 ) 145,960,244
equipment
Nilai perolehan Aset tetap Property, plant, and Carrying amount
290,125,630 472,750,618
equipment
Page 18
[4611100] Disclosure of Notes to the financial statements - Property, Plant and Equipment - Financial and Sharia Industry
Page 19
[4611100a] Notes to the financial statements - Loans and Sharia receivables/financing - by currency, related parties and third parties - Financial
and Sharia Industry
Pinjaman berdasarkan mata uang dan pihak Loans by currencies and
parties
30 September 31 December
2023 2022
Total pinjaman, kotor Total pinjaman, kotor
Total loans, gross Total loans, gross
Pinjaman Pihak berelasi Rupiah 1,001,822,614 1,500,879,348 Rupiah Related parties Conventional loans
konvensional Mata uang asing 0 0 Foreign currencies
Subtotal Seluruh Mata Subtotal on all
1,001,822,614 1,500,879,348
Uang Currencies
Pihak ketiga Rupiah 4,496,762,393 5,693,582,882 Rupiah Third parties
Mata uang asing 123,640,474 572,181,771 Foreign currencies
Subtotal Seluruh Mata Subtotal on all
4,620,402,867 6,265,764,653
Uang Currencies
Subtotal Seluruh Subtotal Seluruh Mata Rupiah Subtotal on all
5,622,225,481 7,766,644,001
Pihak Uang Currencies
Subtotal Seluruh Rupiah 5,498,585,007 7,194,462,230 Rupiah Subtotal on all Parties
Pihak Mata uang asing 123,640,474 572,181,771 Foreign currencies
Subtotal Seluruh Subtotal on all
5,622,225,481 7,766,644,001
Mata Uang Currencies
Total pinjaman berdasarkan mata uang dan pihak Total loans by currencies and parties
30 September 2023 31 December 2022
Total pinjaman, kotor 5,622,225,481 7,766,644,001 Total loans, gross
Cadangan kerugian penurunan nilai pada pinjaman yang Allowance for impairment losses for loans
( 808,808,284 ) ( 1,321,540,011 )
diberikan
Total pinjaman, bersih 4,813,417,197 6,445,103,990 Total loans, net
Page 20
[4614100] Notes to the financial statements - Loans and Sharia
receivables/financing - Other Information - Financial and Sharia Industry
Informasi penting lainnya Loans other information
30 September 2023 31 December 2022
Tingkat suku bunga Annual yield rate of rupiah
11,19 10,80
rata-rata per tahun rupiah loans
Tingkat suku bunga Annual yield rate of
rata-rata per tahun mata 11,77 11,10 foreign currencies loans
uang asing
Cadangan kerugian Allowance for impairment of
1,321,540,011 1,875,401,843
penurunan nilai, awal periode losses, beginning period
Pembentukan selama tahun Provision during the year of
berjalan 33,910,153 1,303,140,263 allowance for impairment
losses on loans
Penghapusbukuan Writing off of allowance for
( 531,848,627 ) ( 1,154,104,284 )
impairment losses on loans
Cadangan lain-lain Others allowance for
( 17,180,429 ) ( 693,430,586 )
impairment losses on loans
Dampak selisih akibat Foreign exchange translation
perbedaan kurs terhadap impact on allowance for
cadangan kerugian 2,387,176 ( 9,467,225 ) impairment losses on loans
penurunan nilai pinjaman
diberikan
Cadangan kerugian Allowance for impairment
808,808,284 1,321,540,011
penurunan nilai, akhir periode of losses, ending period
Page 21
[4614110] Disclosure of Notes to the financial statements - Loans and Sharia receivables/financing - Financial and Sharia Industry
Page 22
[4621100] Notes to the financial statements - Current Accounts and Wadiah Demand deposits - Financial and Sharia Industry
Giro dan giro wadiah Current accounts and wadiah demand deposits
30 September 2023 31 December 2022
Giro Pihak berelasi Rupiah 116,030,329 188,286,831 Rupiah Related parties Current accounts
Mata uang asing 877,799 865,258 Foreign currencies
Subtotal Seluruh Subtotal on all
116,908,128 189,152,089
Mata Uang Currencies
Pihak ketiga Rupiah 263,830,439 1,321,034,345 Rupiah Third parties
Mata uang asing 4,693,516 5,705,044 Foreign currencies
Subtotal Seluruh Subtotal on all
268,523,955 1,326,739,389
Mata Uang Currencies
Subtotal Seluruh Subtotal Seluruh Subtotal on all Subtotal on all
385,432,083 1,515,891,478
Pihak Mata Uang Currencies Parties
Page 23
[4624110] Disclosure of Notes to the financial statements - Third Party Funds - Financial and Sharia Industry
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