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Nomor Surat 16196/DAPJ/X/2023
Nama Emiten PT Bank KB Bukopin Tbk
Kode Emiten BBKP
Perihal Penyampaian Laporan Keuangan Interim Yang Tidak Diaudit
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 :
No Nama Kegiatan Lokasi Tahun Status Jumlah Aset Satuan Mata Persentase
Usaha Komersil Operasi Uang (%)
1 PT. KB Financing Jakarta 1983 Aktif 438.784 JUTAAN IDR 97.03
Bukopin Activity
Finance
2 PT. Bank KB Perbankan Jakarta 1990 Aktif 6.865.264 JUTAAN IDR 92.78
Bukopin
Syariah
Dokumen ini merupakan dokumen resmi PT Bank KB Bukopin Tbk yang tidak memerlukan tanda tangan karena dihasilkan secara elektronik. PT
Bank KB Bukopin 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 KB Bukopin 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 BBKP Entity code
Nomor identifikasi entitas AA471 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
Foreign Corporation
pengendali
Jenis entitas Foreign Company Type of entity
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 grup / Group 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 Jutaan / In Million 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 Tidak / No 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
Nama partner audit tahun berjalan Name of current year audit signing
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partner
Lama tahun penugasan partner yang Number of years served as audit
menandatangani signing partner
Auditor tahun sebelumnya Kosasih, Nurdiyaman, Tjahjo & Prior year auditor
Rekan
Nama partner audit tahun sebelumnya Name of prior year audit signing
Denny Susanto
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 321,199 524,320 Cash
Giro pada bank lain Current accounts with other
banks
Giro pada bank lain pihak Current accounts with
318,746 668,412
ketiga other banks third parties
Giro pada bank lain pihak Current accounts with
14,820 75,647
berelasi other banks related parties
Cadangan kerugian Allowance for impairment
penurunan nilai pada giro ( 300 ) ( 89 ) losses for current
pada bank lain accounts with other bank
Efek-efek yang Marketable securities
diperdagangkan
Efek-efek yang Marketable securities third
diperdagangkan pihak 10,004,386 4,051,263 parties
ketiga
Cadangan kerugian Allowance for impairment
penurunan nilai pada losses for marketable
( 56 ) ( 76 )
efek-efek yang securities
diperdagangkan
Tagihan akseptasi Acceptance receivables
Tagihan akseptasi pihak Acceptance receivables
75,367 17,346
ketiga third parties
Cadangan kerugian Allowance for impairment
penurunan nilai pada ( 917 ) ( 211 ) losses for acceptance
tagihan akseptasi receivables
Tagihan derivatif Derivative receivables
Tagihan derivatif pihak Derivative receivables
2,541 9,254
ketiga third parties
Pinjaman yang diberikan Loans
Pinjaman yang diberikan Loans third parties
48,203,508 49,822,101
pihak ketiga
Pinjaman yang diberikan Loans related parties
1,024,863 761,333
pihak berelasi
Cadangan kerugian Allowance for impairment
penurunan nilai pada ( 3,786,705 ) ( 1,626,676 ) losses for loans
pinjaman yang diberikan
Aset keuangan lainnya 15 15 Other financial assets
Obligasi pemerintah 8,034,176 5,746,279 Government bonds
Uang muka 532,034 88,722 Advances
Biaya dibayar dimuka 528,413 311,314 Prepaid expenses
Aset pajak tangguhan 2,891,189 1,942,151 Deferred tax assets
Goodwill 189,482 189,338 Goodwill
Aset takberwujud selain Intangible assets other than
127,946 12,656
goodwill goodwill
Aset tetap Property, plant, and
3,259,854 3,396,202
equipment
Agunan yang diambil alih 2,740,694 2,858,081 Foreclosed assets
Aset lainnya 2,633,660 4,826,709 Other assets
Jumlah aset 83,893,850 89,995,352 Total assets
Liabilitas, dana syirkah Liabilities, temporary syirkah
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temporer dan ekuitas funds and equity
Liabilitas Liabilities
Liabilitas segera Obligations due
378,725 388,522
immediately
Simpanan nasabah Customers deposits
Giro Current accounts
Giro pihak ketiga Current accounts
2,487,955 3,317,608
third parties
Giro pihak berelasi Current accounts
606,668 260,318
related parties
Tabungan Savings
Tabungan pihak Savings third
5,681,402 6,945,915
ketiga parties
Tabungan pihak Savings related
12,009 9,870
berelasi parties
Deposito berjangka Time deposits
Deposito berjangka Time deposits third
33,820,998 41,372,813
pihak ketiga parties
Deposito berjangka Time deposits
93,208 55,846
pihak berelasi related parties
Simpanan dari bank lain Other banks deposits
Simpanan dari bank Other banks deposits
7,728,562 10,121,907
lain pihak berelasi related parties
Simpanan dari bank Other banks deposits
119,062 259,468
lain pihak ketiga third parties
Liabilitas derivatif Derivative payables
Liabilitas derivatif pihak Derivative payables
9,097 12,259
ketiga third parties
Liabilitas akseptasi Acceptance liabilities
Liabilitas akseptasi Acceptance liabilities
75,367 17,346
pihak ketiga third parties
Pinjaman yang diterima Borrowings
Pinjaman yang Borrowings third
4,956,686 4,666,549
diterima pihak ketiga parties
Pinjaman yang Borrowings related
6,533,582 6,533,582
diterima pihak berelasi parties
Utang pajak 55,309 56,495 Taxes payable
Liabilitas lainnya 1,168,823 1,367,531 Other liabilities
Pinjaman subordinasi Subordinated loans
Pinjaman subordinasi Subordinated loans
3,396,330 3,392,718
pihak ketiga third parties
Jumlah liabilitas 67,123,783 78,778,747 Total liabilities
Ekuitas Equity
Ekuitas yang Equity attributable to
diatribusikan kepada equity owners of parent
pemilik entitas induk entity
Saham biasa 19,000,000 7,000,000 Common stocks
Tambahan modal Additional paid-in
8,225,767 8,286,428
disetor capital
Uang muka setoran Advances in capital
0 3,000,000
modal stock
Cadangan revaluasi 1,603,893 1,605,649 Revaluation reserves
Cadangan perubahan Reserve for changes in
nilai wajar aset fair value of fair value
keuangan nilai wajar ( 5,435 ) 2,625 through other
melalui pendapatan comprehensive income
komprehensif lainnya financial assets
Saldo laba Retained earnings
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(akumulasi kerugian) (deficit)
Saldo laba yang Unappropriated
belum ditentukan ( 12,050,020 ) ( 8,673,269 ) retained earnings
penggunaannya
Jumlah ekuitas yang Total equity
diatribusikan kepada attributable to equity
16,774,205 11,221,433
pemilik entitas induk owners of parent
entity
Kepentingan Non-controlling interests
( 4,138 ) ( 4,828 )
non-pengendali
Jumlah ekuitas 16,770,067 11,216,605 Total equity
Jumlah liabilitas, dana Total liabilities, temporary
syirkah temporer dan 83,893,850 89,995,352 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 3,602,992 3,009,687 Interest income
Beban bunga ( 3,041,277 ) ( 2,127,143 ) Interest expenses
Pendapatan sekuritas Securities income
Keuntungan (kerugian) Realised gains (losses) on
dari transaksi trading of marketable
146,279 13,061
perdagangan efek yang securities
telah direalisasi
Pendapatan operasional Other operating income
lainnya
Pendapatan provisi dan Provisions and
komisi dari transaksi commissions income from
253,912 257,115
lainnya selain kredit transactions other than
loan
Keuntungan (kerugian) Gains (losses) on changes
selisih kurs mata uang 40,688 ( 28,590 ) in foreign exchange rates
asing
Pendapatan operasional Other operating income
40,864 101,813
lainnya
Pemulihan penyisihan Recovery of impairment
kerugian penurunan nilai loss
Pemulihan penyisihan Recovery of impairment
kerugian penurunan nilai ( 3,810,581 ) ( 2,790,681 ) loss of financial assets
aset keuangan
Pemulihan penyisihan Recovery of estimated
estimasi kerugian atas 35 ( 1,127 ) loss of commitments and
komitmen dan kontinjensi contingency
Pembentukan kerugian Allowances for impairment
penurunan nilai losses
Pembentukan penyisihan Allowances for impairment
kerugian penurunan nilai ( 36,744 ) ( 49,233 ) losses on non-earnings
aset non-produktif assets
Beban operasional lainnya Other operating expenses
Beban umum dan General and
( 719,256 ) ( 796,404 )
administrasi administrative expenses
Beban sewa, Rent, maintenance and
pemeliharaan, dan ( 177,496 ) ( 230,184 ) improvement expenses
perbaikan
Beban operasional Other operating
( 620,662 ) ( 664,088 )
lainnya expenses
Jumlah laba operasional ( 4,321,246 ) ( 3,305,774 ) Total profit from operation
Pendapatan dan beban bukan Non-operating income and
operasional expense
Beban bukan operasional 1,952 ( 59,218 ) Non-operating expenses
Jumlah laba (rugi) sebelum Total profit (loss) before tax
( 4,319,294 ) ( 3,364,992 )
pajak penghasilan
Pendapatan (beban) pajak 943,233 732,571 Tax benefit (expenses)
Jumlah laba (rugi) dari operasi Total profit (loss) from
( 3,376,061 ) ( 2,632,421 )
yang dilanjutkan continuing operations
Jumlah laba (rugi) ( 3,376,061 ) ( 2,632,421 ) Total profit (loss)
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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
lainnya atas keuntungan income for gains (losses)
( 1,756 )
(kerugian) hasil revaluasi on revaluation of property
aset tetap, setelah pajak and equipment, after tax
Jumlah pendapatan Total other
komprehensif lainnya comprehensive income
yang tidak akan ( 1,756 ) that will not be
direklasifikasi ke laba reclassified to profit or
rugi, setelah pajak loss, after tax
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
( 10,335 ) ( 70,141 )
aset keuangan melalui comprehensive income
penghasilan komprehensif financial assets, after tax
lain, setelah pajak
Penyesuaian reklasifikasi Reclassification
atas aset keuangan nilai adjustments on fair value
wajar melalui pendapatan 2,275 15,431 through other
komprehensif lainnya, comprehensive income
setelah pajak financial assets, after tax
Jumlah pendapatan Total other
komprehensif lainnya comprehensive income
yang akan direklasifikasi ( 8,060 ) ( 54,710 ) that may be reclassified
ke laba rugi, setelah to profit or loss, after tax
pajak
Jumlah pendapatan Total other comprehensive
komprehensif lainnya, ( 9,816 ) ( 54,710 ) income, after tax
setelah pajak
Jumlah laba rugi komprehensif ( 3,385,877 ) ( 2,687,131 ) Total comprehensive income
Laba (rugi) yang dapat Profit (loss) attributable to
diatribusikan
Laba (rugi) yang dapat Profit (loss) attributable to
( 3,376,751 ) ( 2,633,216 )
diatribusikan ke entitas induk parent entity
Laba (rugi) yang dapat Profit (loss) attributable to
diatribusikan ke kepentingan 690 795 non-controlling interests
non-pengendali
Laba rugi komprehensif yang Comprehensive income
dapat diatribusikan attributable to
Laba rugi komprehensif yang Comprehensive income
dapat diatribusikan ke entitas ( 3,386,567 ) ( 2,687,926 ) attributable to parent entity
induk
Laba rugi komprehensif yang Comprehensive income
dapat diatribusikan ke 690 795 attributable to non-controlling
kepentingan non-pengendali interests
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 ( 18 ) 39.09389266110612 share from continuing
dilanjutkan ) operations
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Laba (rugi) per saham Diluted earnings (loss) per
dilusian share
Laba (rugi) per saham ( Diluted earnings (loss) per
dilusian dari operasi yang ( 18 ) 39.09389266110612 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
nilai wajar aset Saldo laba yang belum Ekuitas yang dapat
Tambahan modal Uang muka setoran Kepentingan
Saham biasa Cadangan revaluasi keuangan nilai wajar ditentukan diatribusikan kepada Ekuitas
disetor modal non-pengendali
melalui pendapatan penggunaannya entitas induk
komprehensif lainnya
Reserve for changes in
fair value of fair value
Advances in capital Unappropriated retained Equity attributable to
Common stocks Additional paid-in capital Revaluation reserves through other Non-controlling interests Equity
stock earnings parent entity
comprehensive income
financial assets
Posisi ekuitas Equity position
Saldo awal periode sebelum penyajian kembali 7,000,000 8,286,428 3,000,000 1,605,649 2,625 ( 8,673,269 ) 11,221,433 ( 4,828 ) 11,216,605 Balance before restatement at beginning of period
Penyesuaian Adjustments
Penyesuaian lainnya 0 0 Other adjustments
Posisi ekuitas, awal periode 7,000,000 8,286,428 3,000,000 1,605,649 2,625 ( 8,673,269 ) 11,221,433 ( 4,828 ) 11,216,605 Equity position, beginning of the period
Laba (rugi) ( 3,376,751 ) ( 3,376,751 ) 690 ( 3,376,061 ) Profit (loss)
Pendapatan komprehensif lainnya ( 1,756 ) ( 8,060 ) ( 9,816 ) ( 9,816 ) Other comprehensive income
Penerbitan saham biasa 12,000,000 ( 60,661 ) 11,939,339 11,939,339 Issuance of common stocks
Setoran modal dari kepentingan non-pengendali ( 3,000,000 ) ( 3,000,000 ) ( 3,000,000 ) Stock subscription from non-controlling interests
Posisi ekuitas, akhir periode 19,000,000 8,225,767 0 1,603,893 ( 5,435 ) ( 12,050,020 ) 16,774,205 ( 4,138 ) 16,770,067 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
nilai wajar aset Saldo laba yang belum Ekuitas yang dapat
Tambahan modal Kepentingan
Saham biasa Cadangan revaluasi keuangan nilai wajar ditentukan diatribusikan kepada Ekuitas
disetor non-pengendali
melalui pendapatan penggunaannya entitas induk
komprehensif lainnya
Reserve for changes in
fair value of fair value
Additional paid-in Unappropriated retained Equity attributable to
Common stocks Revaluation reserves through other Non-controlling interests Equity
capital earnings parent entity
comprehensive income
financial assets
Posisi ekuitas Equity position
Saldo awal periode sebelum penyajian kembali 3,478,571 4,769,251 1,510,601 65,094 ( 1,752,842 ) 8,070,675 20,175 8,090,850 Balance before restatement at beginning of period
Penyesuaian Adjustments
Koreksi kesalahan periode lalu (3) (3) (1) (4) Correction of prior period errors
Penyesuaian lainnya 3,521,429 3,517,177 17,211 ( 7,761 ) ( 1,913,040 ) 5,135,016 ( 19,958 ) 5,115,058 Other adjustments
Posisi ekuitas, awal periode 7,000,000 8,286,428 1,527,812 57,330 ( 3,665,882 ) 13,205,688 216 13,205,904 Equity position, beginning of the period
Laba (rugi) ( 2,633,216 ) ( 2,633,216 ) 795 ( 2,632,421 ) Profit (loss)
Pendapatan komprehensif lainnya ( 54,710 ) ( 54,710 ) ( 54,710 ) Other comprehensive income
Posisi ekuitas, akhir periode 7,000,000 8,286,428 1,527,812 2,620 ( 6,299,098 ) 10,517,762 1,011 10,518,773 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 3,809,493 2,967,358 income, fees and
komisi commissions received
Pembayaran bunga dan Payments Of Interest And
bonus, provisi dan komisi ( 2,776,573 ) ( 2,124,711 ) Bonus Fees And
Commissions
Pendapatan dari transaksi Income from other
460,896 291,690
operasional lainnya operating transactions
Penerimaan kembali aset Recoveries of written off
yang telah 168,326 105,850 assets
dihapusbukukan
Pembayaran gaji dan Payments for salaries and
( 534,856 ) ( 766,217 )
tunjangan allowances
Penerimaan Refunds (payments) of
pengembalian income tax
( 3,532 )
(pembayaran) pajak
penghasilan
Pembayaran beban Payments for other
( 798,100 ) ( 1,328,657 )
operasional lainnya operating expenses
Penerimaan Other cash inflows
(pengeluaran) kas lainnya 7,516 ( 59,688 ) (outflows) from operating
dari aktivitas operasi activities
Penurunan (kenaikan) aset Decrease (increase) in
operasi operating assets
Penurunan (kenaikan) Decrease (increase) in
3,196,939 3,830,506
efek yang diperdagangkan marketable securities
Penurunan (kenaikan) Decrease (increase) in
57,314 10,855
tagihan akseptasi acceptance receivables
Penurunan (kenaikan) Decrease (increase) in
( 340,868 ) 2,025,046
pinjaman yang diberikan loans
Penurunan (kenaikan) Decrease (increase) in
( 781,901 ) ( 1,089,918 )
aset lainnya other assets
Kenaikan (penurunan) Increase (decrease) in
liabilitas operasi operating liabilities
Kenaikan (penurunan) Increase (decrease) in
liabilitas segera ( 9,797 ) 111,158 obligations due
immediately
Kenaikan (penurunan) giro Increase (decrease) in
dan tabungan simpanan ( 1,745,678 ) ( 1,297,010 ) current accounts and
nasabah customers savings
Kenaikan (penurunan) Increase (decrease) in
deposito berjangka ( 7,514,453 ) ( 5,329,464 ) customers time deposits
nasabah
Kenaikan (penurunan) Increase (decrease) in
simpanan dari bank lain ( 2,533,750 ) 1,385,588 other banks saving
deposits
Kenaikan (penurunan) Increase (decrease) in
58,020 10,989
liabilitas akseptasi acceptance payables
Page 13
Kenaikan (penurunan) ( 477,832 ) ( 147,181 ) Increase (decrease) in
liabilitas lainnya other liabilities
Jumlah arus kas bersih Total net cash flows
yang diperoleh dari received from (used in)
( 9,758,836 ) ( 656,459 )
(digunakan untuk) aktivitas operating activities
operasi
Arus kas dari aktivitas Cash flows from investing
investasi activities
Penerimaan dari penjualan Proceeds from disposal
(perolehan) aset tetap ( 14,465 ) ( 28,857 ) (acquisition) of property and
equipment
Penerimaan dari penjualan Proceeds from disposal
(perolehan) aset takberwujud ( 149,889 ) ( 4,252 ) (acquisition) of intangible
selain goodwill assets other than goodwill
Pencairan (penempatan) Withdrawal (placement) of
efek-efek yang ( 9,355,047 ) ( 9,982,799 ) marketable securities
diperdagangkan
Jumlah arus kas bersih Total net cash flows
yang diperoleh dari received from (used in)
( 9,519,401 ) ( 10,015,908 )
(digunakan untuk) aktivitas investing activities
investasi
Arus kas dari aktivitas Cash flows from financing
pendanaan activities
Kenaikan (penurunan) efek Increase (decrease) in
0 ( 2,385,745 )
yang diterbitkan securities issued
Penerimaan pinjaman yang Proceeds from borrowings
1,247,209 9,420,942
diterima
Pembayaran pinjaman yang Payments for borrowings
( 957,072 ) ( 633,265 )
diterima
Penerimaan dari penerbitan Proceeds from issuance of
8,939,339
saham baru new stocks
Jumlah arus kas bersih Total net cash flows
yang diperoleh dari received from (used in)
9,229,476 6,401,932
(digunakan untuk) aktivitas financing activities
pendanaan
Jumlah kenaikan (penurunan) Total net increase (decrease)
( 10,048,761 ) ( 4,270,435 )
bersih kas dan setara kas in cash and cash equivalents
Kas dan setara kas arus kas, Cash and cash equivalents cash
17,589,551 15,627,203
awal periode flows, beginning of the period
Efek perubahan nilai kurs pada Effect of exchange rate changes
( 107,390 ) ( 56,922 )
kas dan setara kas on cash and cash equivalents
Kas dan setara kas arus kas, Cash and cash equivalents
7,433,400 11,299,846
akhir periode cash flows, end of the period
Page 14
[4610000] Explanation for Significant Accounting Policy - Financial and Sharia Industry
Page 15
[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 periode Penambahan aset tetap Pengurangan aset tetap Aset tetap, akhir periode
Property, plant, and
Addition in property, plant, Disposals in property, Property, plant, and
equipment, beginning
and equipment plant, and equipment equipment, end period
period
Nilai perolehan, kotor Tanah, dimiliki langsung 2,433,852 41,913 ( 75,623 ) 2,400,142 Land, directly owned Carrying amount, gross
Bangunan dan fasilitasnya, Building and leasehold
1,163,094 62,728 ( 65,819 ) 1,160,003
dimiliki langsung improvement, directly owned
Perabot dan peralatan Furniture and office
722,539 12,257 ( 987 ) 733,809
kantor, dimiliki langsung equipment, directly owned
Kendaraan bermotor, dimiliki Motor vehicle, directly
26,820 24,452 ( 3,112 ) 48,160
langsung owned
Dimiliki langsung 4,346,305 141,350 ( 145,541 ) 4,342,114 Directly owned
Bangunan, aset hak guna 231,938 3,158 ( 33,148 ) 201,948 Building, right of use assets
Mesin, aset hak guna Machinery, right of use
10,304 42 ( 10,343 ) 3
assets
Kendaraan bermotor, aset Motor vehicle, rights of use
44,023 281 ( 2,627 ) 41,677
hak guna assets
Perabot dan peralatan Furniture and office
kantor, aset hak guna 13,163 0 (0) 13,163 equipment, rights of use
assets
Aset hak guna 299,428 3,481 ( 46,118 ) 256,791 Right of use assets
Bangunan, dalam Building, assets under
41,222 3,326 (0) 44,548
penyelesaian construction
Aset dalam penyelesaian 41,222 3,326 (0) 44,548 Assets under construction
Aset tetap Property, plant, and
4,686,955 148,157 ( 191,659 ) 4,643,453
equipment
Akumulasi depresiasi Bangunan dan fasilitasnya, Building and leasehold Carrying amount,
550,550 50,016 ( 6,318 ) 594,248
dimiliki langsung improvement, directly owned accumulated depreciation
Perabot dan peralatan Furniture and office
591,381 40,199 ( 755 ) 630,825
kantor, dimiliki langsung equipment, directly owned
Kendaraan bermotor, dimiliki Motor vehicle, directly
21,866 3,688 ( 2,494 ) 23,060
langsung owned
Dimiliki langsung 1,163,797 93,903 ( 9,567 ) 1,248,133 Directly owned
Bangunan, aset hak guna 88,842 42,849 ( 27,892 ) 103,799 Building, right of use assets
Page 16
Mesin, aset hak guna 5,013 5,333 ( 10,346 ) 0 Machinery, right of use
assets
Kendaraan bermotor, aset Motor vehicle, rights of use
25,107 3,737 ( 8,210 ) 20,634
hak guna assets
Perabot dan peralatan Furniture and office
kantor, aset hak guna 7,994 3,039 (0) 11,033 equipment, rights of use
assets
Aset hak guna 126,956 54,958 ( 46,448 ) 135,466 Right of use assets
Aset tetap Property, plant, and
1,290,753 148,861 ( 56,015 ) 1,383,599
equipment
Nilai perolehan Aset tetap Property, plant, and Carrying amount
3,396,202 3,259,854
equipment
Page 17
[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 Reklasifikasi aset Revaluasi aset Aset tetap, akhir
periode tetap tetap tetap tetap periode
Property, plant, and Reclassifications of Revaluation of Property, plant, and
Addition in property, Disposals in property,
equipment, property, plant, and property, plant, and equipment, end
plant, and equipment plant, and equipment
beginning period equipment equipment period
Nilai perolehan, kotor Tanah, dimiliki Land, directly owned Carrying amount,
2,377,779 12,826 ( 34,590 ) 77,837 2,433,852
langsung gross
Bangunan dan Building and leasehold
fasilitasnya, dimiliki 1,150,212 15,838 ( 3,801 ) 845 1,163,094 improvement, directly
langsung owned
Perabot dan peralatan Furniture and office
kantor, dimiliki 705,334 22,677 ( 6,748 ) 1,276 722,539 equipment, directly
langsung owned
Kendaraan bermotor, Motor vehicle, directly
28,969 1,394 ( 3,543 ) 26,820
dimiliki langsung owned
Dimiliki langsung 4,262,294 52,735 ( 48,682 ) 2,121 77,837 4,346,305 Directly owned
Bangunan, aset hak Building, right of use
329,919 48,881 ( 146,862 ) 231,938
guna assets
Mesin, aset hak guna Machinery, right of use
99,562 32,286 ( 121,544 ) 10,304
assets
Kendaraan bermotor, Motor vehicle, rights of
59,936 563 ( 16,476 ) 44,023
aset hak guna use assets
Perabot dan peralatan Furniture and office
kantor, aset hak guna 13,637 0 ( 474 ) 13,163 equipment, rights of
use assets
Aset hak guna 503,054 81,730 ( 285,356 ) 299,428 Right of use assets
Bangunan, dalam Building, assets under
43,428 4,485 ( 4,570 ) ( 2,121 ) 41,222
penyelesaian construction
Aset dalam Assets under
43,428 4,485 ( 4,570 ) ( 2,121 ) 41,222
penyelesaian construction
Aset tetap Property, plant, and
4,808,776 138,950 ( 338,608 ) 0 77,837 4,686,955
equipment
Akumulasi depresiasi Bangunan dan Building and leasehold Carrying amount,
fasilitasnya, dimiliki 488,435 77,261 ( 15,146 ) 550,550 improvement, directly accumulated
langsung owned depreciation
Page 18
Perabot dan peralatan Furniture and office
kantor, dimiliki 538,059 57,637 ( 4,315 ) 591,381 equipment, directly
langsung owned
Kendaraan bermotor, Motor vehicle, directly
21,340 3,390 ( 2,864 ) 21,866
dimiliki langsung owned
Dimiliki langsung 1,047,834 138,288 ( 22,325 ) 1,163,797 Directly owned
Bangunan, aset hak Building, right of use
172,732 62,436 ( 146,326 ) 88,842
guna assets
Mesin, aset hak guna Machinery, right of use
56,178 25,972 ( 77,137 ) 5,013
assets
Kendaraan bermotor, Motor vehicle, rights of
30,381 11,420 ( 16,694 ) 25,107
aset hak guna use assets
Perabot dan peralatan Furniture and office
kantor, aset hak guna 4,321 4,147 ( 474 ) 7,994 equipment, rights of
use assets
Aset hak guna 263,612 103,975 ( 240,631 ) 126,956 Right of use assets
Aset tetap Property, plant, and
1,311,446 242,263 ( 262,956 ) 1,290,753
equipment
Nilai perolehan Aset tetap Property, plant, and Carrying amount
3,497,330 3,396,202
equipment
Page 19
[4611100] Disclosure of Notes to the financial statements - Property, Plant and Equipment - Financial and Sharia Industry
Page 20
[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 konvensional Pihak berelasi Rupiah 954,768 667,492 Rupiah Related parties Conventional loans
Mata uang asing 0 0 Foreign currencies
Subtotal Seluruh Subtotal on all
954,768 667,492
Mata Uang Currencies
Pihak ketiga Rupiah 38,027,939 41,468,014 Rupiah Third parties
Mata uang asing 4,980,681 3,279,783 Foreign currencies
Subtotal Seluruh Subtotal on all
43,008,620 44,747,797
Mata Uang Currencies
Subtotal Seluruh Subtotal Seluruh Rupiah Subtotal on all
43,963,388 45,415,289
Pihak Mata Uang Currencies
Pinjaman syariah Pihak berelasi Rupiah 70,095 93,841 Rupiah Related parties Sharia loans
Mata uang asing 0 0 Foreign currencies
Subtotal Seluruh Subtotal on all
70,095 93,841
Mata Uang Currencies
Pihak ketiga Rupiah 5,194,888 5,074,304 Rupiah Third parties
Subtotal Seluruh Subtotal on all
5,194,888 5,074,304
Mata Uang Currencies
Subtotal Seluruh Subtotal Seluruh Rupiah Subtotal on all
5,264,983 5,168,145
Pihak Mata Uang Currencies
Jumlah Pinjaman Subtotal Seluruh Subtotal Seluruh Rupiah Subtotal on all Related parties
konvensional dan Pihak Mata Uang 49,228,371 50,583,434 Currencies
syariah
Total pinjaman berdasarkan mata uang dan pihak Total loans by currencies and parties
30 September 2023 31 December 2022
Total pinjaman, kotor 49,228,371 50,583,434 Total loans, gross
Cadangan kerugian penurunan nilai pada pinjaman yang Allowance for impairment losses for loans
Page 21
diberikan ( 3,786,705 ) ( 1,626,676 ) Total pinjaman, bersih 45,441,666 48,956,758 Total loans, net
Page 22
[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
4.89 5.13
rata-rata per tahun rupiah loans
Tingkat suku bunga Annual yield rate of
rata-rata per tahun mata 4.89 3.1 foreign currencies loans
uang asing
Kisaran bagi hasil per Indicative profit sharing of
tahun piutang murabahan 45363249998 59425781813 murabahah and istishna
dan istishna receivables
Kisaran bagi hasil per Indicative profit sharing of
tahun pembiayaan 269676833869 295169368704 musyarakah financing
musyarakah
Kisaran bagi hasil per Indicative profit sharing of
tahun pembiayaan syariah 390763858 110512366 other sharia financing
lainnya
Cadangan kerugian Allowance for impairment of
1,626,676 4,661,814
penurunan nilai, awal periode losses, beginning period
Pembentukan selama tahun Provision during the year of
berjalan 3,807,105 3,920,608 allowance for impairment
losses on loans
Penghapusbukuan Writing off of allowance for
( 1,692,455 ) ( 5,449,470 )
impairment losses on loans
Pemulihan pinjaman yang Recoveries of written-off of
telah dihapusbukukan 168,326 84,769 allowance for impairment
losses on loans
Cadangan lain-lain Others allowance for
( 122,947 ) ( 1,591,045 )
impairment losses on loans
Cadangan kerugian Allowance for impairment
3,786,705 1,626,676
penurunan nilai, akhir periode of losses, ending period
Page 23
[4614110] Disclosure of Notes to the financial statements - Loans and Sharia receivables/financing - Financial and Sharia Industry
Page 24
[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 234,305 259,545 Rupiah Related parties Current accounts
Mata uang asing 379 398 Foreign currencies
Subtotal Seluruh Subtotal on all
234,684 259,943
Mata Uang Currencies
Pihak ketiga Rupiah 2,086,437 2,273,805 Rupiah Third parties
Mata uang asing 393,469 397,040 Foreign currencies
Subtotal Seluruh Subtotal on all
2,479,906 2,670,845
Mata Uang Currencies
Subtotal Seluruh Subtotal Seluruh Subtotal on all Subtotal on all
2,714,590 2,930,788
Pihak Mata Uang Currencies Parties
Giro wadiah Pihak berelasi Rupiah 371,984 375 Rupiah Related parties Wadiah demand
Mata uang asing 0 0 Foreign currencies deposits
Subtotal Seluruh Subtotal on all
371,984 375
Mata Uang Currencies
Pihak ketiga Rupiah 8,049 646,763 Rupiah Third parties
Mata uang asing 0 0 Foreign currencies
Subtotal Seluruh Subtotal on all
8,049 646,763
Mata Uang Currencies
Subtotal Seluruh Subtotal Seluruh Subtotal on all Subtotal on all
380,033 647,138
Pihak Mata Uang Currencies Parties
Page 25
[4624110] Disclosure of Notes to the financial statements - Third Party Funds - Financial and Sharia Industry
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