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Nomor Surat 96/SRT-CS/X/2023
Nama Emiten PT Bank Amar Indonesia Tbk.
Kode Emiten AMAR
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 :
Dokumen ini merupakan dokumen resmi PT Bank Amar Indonesia Tbk. yang tidak memerlukan tanda tangan karena dihasilkan secara elektronik.
PT Bank Amar 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 Amar 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 AMAR Entity code
Nomor identifikasi entitas AA947 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 Local Company - Indonesia Type of entity
Jurisdiction
Jenis efek yang dicatatkan Saham / Stock Type of listed securities
Jenis papan perdagangan tempat Type of board on which the entity is
Pengembangan / Development
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
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 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 4,327,508 6,637,634 Cash
Giro pada bank lain Current accounts with other
banks
Giro pada bank lain pihak Current accounts with
33,867,293 90,975,853
ketiga other banks third parties
Cadangan kerugian Allowance for impairment
penurunan nilai pada giro ( 171 ) ( 171 ) losses for current
pada bank lain accounts with other bank
Cadangan kerugian Allowance for impairment
penurunan nilai pada losses for placements with
( 65,469 ) ( 65,469 )
penempatan pada bank other banks
lain
Efek-efek yang Marketable securities
diperdagangkan
Efek-efek yang Marketable securities third
diperdagangkan pihak 521,504,561 719,974,646 parties
ketiga
Efek yang dibeli dengan janji Securities purchased under
581,989,998 0
dijual kembali agreement to resale
Pinjaman yang diberikan Loans
Pinjaman yang diberikan Loans third parties
2,464,360,864 2,253,414,943
pihak ketiga
Pinjaman yang diberikan Loans related parties
14,225,792 5,561,672
pihak berelasi
Cadangan kerugian Allowance for impairment
penurunan nilai pada ( 216,337,706 ) ( 149,394,463 ) losses for loans
pinjaman yang diberikan
Aset pajak tangguhan 79,317,220 79,317,220 Deferred tax assets
Aset takberwujud selain Intangible assets other than
2,909,752 3,362,579
goodwill goodwill
Aset tetap Property, plant, and
17,933,839 20,506,905
equipment
Aset hak guna 0 Right of use assets
Aset lainnya 125,084,732 114,502,397 Other assets
Jumlah aset 4,441,209,338 4,505,045,609 Total assets
Liabilitas, dana syirkah Liabilities, temporary syirkah
temporer dan ekuitas funds and equity
Liabilitas Liabilities
Simpanan nasabah Customers deposits
Giro Current accounts
Giro pihak ketiga Current accounts
67,555,277 27,623,636
third parties
Giro pihak berelasi Current accounts
3,324 3,567
related parties
Tabungan Savings
Tabungan pihak Savings third
131,512,325 148,040,853
ketiga parties
Tabungan pihak Savings related
965,209 719,480
berelasi parties
Deposito berjangka Time deposits
Page 5
Deposito berjangka 625,070,400 828,817,271 Time deposits third
pihak ketiga parties
Deposito berjangka Time deposits
1,173,509 1,101,116
pihak berelasi related parties
Simpanan dari bank lain Other banks deposits
Simpanan dari bank Other banks deposits
113,999,530 259,202,503
lain pihak ketiga third parties
Utang pajak 2,505,138 2,635,299 Taxes payable
Liabilitas lainnya 140,018,580 47,003,840 Other liabilities
Kewajiban imbalan pasca Post-employment benefit
22,278,220 13,698,634
kerja obligations
Jumlah liabilitas 1,105,081,512 1,328,846,199 Total liabilities
Ekuitas Equity
Ekuitas yang Equity attributable to
diatribusikan kepada equity owners of parent
pemilik entitas induk entity
Saham biasa 1,838,109,476 1,382,037,200 Common stocks
Tambahan modal Additional paid-in
1,458,781,257 643,340,311
disetor capital
Saham treasuri ( 1,748,343 ) Treasury stocks
Uang muka setoran Advances in capital
0 1,272,660,640
modal stock
Komponen ekuitas Other components of
( 1,919,634 ) ( 2,568,600 )
lainnya equity
Saldo laba Retained earnings
(akumulasi kerugian) (deficit)
Saldo laba yang Appropriated
telah ditentukan retained earnings
penggunaanya
Cadangan General and
1,050,000 1,050,000
umum dan wajib legal reserves
Saldo laba yang Unappropriated
belum ditentukan 41,855,070 ( 120,320,141 ) retained earnings
penggunaannya
Jumlah ekuitas yang Total equity
diatribusikan kepada attributable to equity
3,336,127,826 3,176,199,410
pemilik entitas induk owners of parent
entity
Jumlah ekuitas 3,336,127,826 3,176,199,410 Total equity
Jumlah liabilitas, dana Total liabilities, temporary
syirkah temporer dan 4,441,209,338 4,505,045,609 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 696,761,436 605,456,644 Interest income
Beban bunga ( 52,922,976 ) ( 103,613,690 ) Interest expenses
Pendapatan operasional Other operating income
lainnya
Pendapatan operasional Other operating income
288,779,806 180,750,221
lainnya
Pembentukan kerugian Allowances for impairment
penurunan nilai losses
Pembentukan penyisihan Allowances for impairment
kerugian penurunan nilai ( 401,306,219 ) ( 477,859,436 ) losses on earnings assets
aset produktif
Pembentukan penyisihan Allowances for impairment
kerugian penurunan nilai ( 21,237,974 ) ( 621,000 ) losses on non-earnings
aset non-produktif assets
Beban operasional lainnya Other operating expenses
Beban umum dan General and
( 347,760,410 ) ( 375,784,142 )
administrasi administrative expenses
Beban operasional Other operating
lainnya expenses
Jumlah laba operasional 162,313,663 ( 171,671,403 ) Total profit from operation
Pendapatan dan beban bukan Non-operating income and
operasional expense
Beban bukan operasional ( 138,452 ) ( 1,195,939 ) Non-operating expenses
Jumlah laba (rugi) sebelum Total profit (loss) before tax
162,175,211 ( 172,867,342 )
pajak penghasilan
Pendapatan (beban) pajak 0 Tax benefit (expenses)
Jumlah laba (rugi) dari operasi Total profit (loss) from
162,175,211 ( 172,867,342 )
yang dilanjutkan continuing operations
Jumlah laba (rugi) 162,175,211 ( 172,867,342 ) Total profit (loss)
Pendapatan komprehensif Other comprehensive income,
lainnya, setelah pajak after tax
Jumlah pendapatan Total other comprehensive
komprehensif lainnya, 648,966 ( 14,742,251 ) income, after tax
setelah pajak
Jumlah laba rugi komprehensif 162,824,177 ( 187,609,593 ) Total comprehensive income
Laba (rugi) yang dapat Profit (loss) attributable to
diatribusikan
Laba (rugi) yang dapat Profit (loss) attributable to
162,175,211 ( 172,867,342 )
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 162,824,177 ( 187,609,593 ) 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
Page 7
Laba (rugi) per saham Basic earnings (loss) per dasar dari operasi yang 8.8 ( 12.5 ) share from continuing dilanjutkan operations
Page 8
[4410000] Statement of changes in equity - Financial and Sharia Industry - Current Year
30 September 2023
Laporan perubahan ekuitas Statement of changes in equity
Saldo laba yang telah
Saldo laba yang belum Ekuitas yang dapat
Uang muka setoran Komponen transaksi ditentukan
Saham biasa Tambahan modal disetor Saham treasuri ditentukan diatribusikan kepada Ekuitas
modal ekuitas lainnya penggunaannya-cadangan
penggunaannya entitas induk
umum dan wajib
Appropriated retained
Other components of Unappropriated retained Equity attributable to
Common stocks Additional paid-in capital Treasury stocks Advances in capital stock earnings-general and legal Equity
equity transactions earnings parent entity
reserves
Posisi ekuitas Equity position
Saldo awal periode sebelum penyajian kembali 1,382,037,200 643,340,311 0 1,272,660,640 ( 2,568,600 ) 1,050,000 ( 120,320,141 ) 3,176,199,410 3,176,199,410 Balance before restatement at beginning of period
Posisi ekuitas, awal periode 1,382,037,200 643,340,311 0 1,272,660,640 ( 2,568,600 ) 1,050,000 ( 120,320,141 ) 3,176,199,410 3,176,199,410 Equity position, beginning of the period
Laba (rugi) 162,175,211 162,175,211 162,175,211 Profit (loss)
Pendapatan komprehensif lainnya 648,966 648,966 648,966 Other comprehensive income
Penerbitan saham biasa 456,072,276 815,440,946 ( 1,271,513,222 ) 0 0 Issuance of common stocks
Biaya emisi efek ( 1,147,418 ) ( 1,147,418 ) ( 1,147,418 ) Stock issuance costs
Kenaikan (penurunan) ekuitas melalui transaksi Increase (decrease) in equity through treasury stock
( 1,748,343 ) ( 1,748,343 ) ( 1,748,343 )
saham tresuri transactions
Posisi ekuitas, akhir periode 1,838,109,476 1,458,781,257 ( 1,748,343 ) 0 ( 1,919,634 ) 1,050,000 41,855,070 3,336,127,826 3,336,127,826 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
Saldo laba yang telah
Saldo laba yang belum Ekuitas yang dapat
Tambahan modal Komponen transaksi ditentukan
Saham biasa ditentukan diatribusikan kepada Ekuitas
disetor ekuitas lainnya penggunaannya-cadangan
penggunaannya entitas induk
umum dan wajib
Appropriated retained
Other components of Unappropriated retained Equity attributable to
Common stocks Additional paid-in capital earnings-general and legal Equity
equity transactions earnings parent entity
reserves
Posisi ekuitas Equity position
Saldo awal periode sebelum penyajian kembali Balance before restatement at beginning of
803,510,000 225,757,500 1,205,588 1,025,000 35,086,148 1,066,584,236 1,066,584,236
period
Posisi ekuitas, awal periode 803,510,000 225,757,500 1,205,588 1,025,000 35,086,148 1,066,584,236 1,066,584,236 Equity position, beginning of the period
Laba (rugi) ( 172,867,342 ) ( 172,867,342 ) ( 172,867,342 ) Profit (loss)
Pendapatan komprehensif lainnya ( 14,742,251 ) ( 14,742,251 ) ( 14,742,251 ) Other comprehensive income
Pembentukan cadangan umum 25,000 ( 25,000 ) 0 0 Allocation for general reserves
Penerbitan saham biasa 578,527,200 417,721,561 996,248,761 996,248,761 Issuance of common stocks
Transaksi ekuitas lainnya ( 471,393 ) ( 471,393 ) ( 471,393 ) Other equity transactions
Posisi ekuitas, akhir periode 1,382,037,200 643,479,061 ( 13,536,663 ) 1,050,000 ( 138,277,587 ) 1,874,752,011 1,874,752,011 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 696,937,390 627,123,405 income, fees and
komisi commissions received
Pembayaran bunga dan Payments Of Interest And
bonus, provisi dan komisi ( 53,124,299 ) ( 109,116,673 ) Bonus Fees And
Commissions
Pendapatan dari transaksi Income from other
288,779,806 180,750,221
operasional lainnya operating transactions
Pembayaran gaji dan Payments for salaries and
( 157,491,336 ) ( 147,275,164 )
tunjangan allowances
Penerimaan Refunds (payments) of
pengembalian income tax
0
(pembayaran) pajak
penghasilan
Pembayaran beban Payments for other
( 145,261,885 ) ( 243,083,037 )
operasional lainnya operating expenses
Penerimaan pendapatan Receipts from
( 138,451 ) ( 1,195,939 )
non-operasional non-operating income
Penurunan (kenaikan) aset Decrease (increase) in
operasi operating assets
Penurunan (kenaikan) Decrease (increase) in
198,651,182 ( 56,657,057 )
efek yang diperdagangkan marketable securities
Penurunan (kenaikan) Decrease (increase) in
efek yang dibeli dengan ( 581,989,998 ) 82,864,724 securities purchased
janji dijual kembali under resale agreements
Penurunan (kenaikan) Decrease (increase) in
( 575,210,990 ) ( 195,484,799 )
pinjaman yang diberikan loans
Penurunan (kenaikan) Decrease (increase) in
( 35,406,787 ) 54,003,291
aset lainnya other assets
Kenaikan (penurunan) Increase (decrease) in
liabilitas operasi operating liabilities
Kenaikan (penurunan) giro Increase (decrease) in
dan tabungan simpanan ( 180,025,878 ) ( 1,840,333,193 ) current accounts and
nasabah customers savings
Kenaikan (penurunan) Increase (decrease) in
simpanan dari bank lain ( 145,202,973 ) ( 444,554,323 ) other banks saving
deposits
Kenaikan (penurunan) Increase (decrease) in
78,772,892 ( 2,204,227 )
liabilitas lainnya other liabilities
Jumlah arus kas bersih Total net cash flows
yang diperoleh dari received from (used in)
( 610,711,327 ) ( 2,095,162,771 )
(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 6,396,925 ( 2,234,518 ) (acquisition) of property and
equipment
Page 11
Penerimaan dari penjualan Proceeds from disposal
(perolehan) aset takberwujud ( 661,176 ) ( 219,269 ) (acquisition) of intangible
selain goodwill assets other than goodwill
Pencairan (penempatan) Withdrawal (placement) of
efek-efek yang 291,915 10,000,000 marketable securities
diperdagangkan
Jumlah arus kas bersih Total net cash flows
yang diperoleh dari received from (used in)
6,027,664 7,546,213
(digunakan untuk) aktivitas investing activities
investasi
Arus kas dari aktivitas Cash flows from financing
pendanaan activities
Pembayaran biaya emisi Payments of stock issuance
( 1,147,418 )
saham costs
Penerimaan setoran modal Proceeds from capital
0 996,248,761
contributions
Penjualan (pembelian) dari Sales (purchase) of treasury
( 1,748,343 )
saham tresuri stocks
Penerimaan (pengeluaran) Other cash inflows (outflows)
kas lainnya dari aktivitas 0 from financing activities
pendanaan
Jumlah arus kas bersih Total net cash flows
yang diperoleh dari received from (used in)
( 2,895,761 ) 996,248,761
(digunakan untuk) aktivitas financing activities
pendanaan
Jumlah kenaikan (penurunan) Total net increase (decrease)
( 607,579,424 ) ( 1,091,367,797 )
bersih kas dan setara kas in cash and cash equivalents
Kas dan setara kas arus kas, Cash and cash equivalents cash
1,457,799,710 1,889,417,523
awal periode flows, beginning of the period
Kas dan setara kas arus kas, Cash and cash equivalents
850,285,926 798,049,726
akhir periode cash flows, end of the period
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[4610000] Explanation for Significant Accounting Policy - Financial and Sharia Industry
Kebijakan akuntansi signifikan Significant accounting policies
30 September 2023
Dasar penyusunan laporan keuangan Dasar penyusunan laporan keuangan adalah harga perolehan, kecuali instrumen keuangan tertentu Basis of preparation of consolidated financial
konsolidasian yang diukur pada nilai wajar pada setiap akhir periode pelaporan. statements
Prinsip-prinsip konsolidasi Aset keuangan dan liabilitas keuangan disalinghapuskan dan jumlah netonya dilaporkan pada laporan Principles of consolidation
posisi keuangan konsolidasian ketika terdapat hak yang berkekuatan hukum untuk melakukan saling
hapus atas jumlah yang telah diakui tersebut dan adanya niat untuk menyelesaikan liabilitas secara
bersamaan. Hak saling hapus tidak kontinjen atas peristiwa di masa depan dan dapat dipaksakan
secara hukum dalam situasi bisnis yang normal dan dalam peristiwa gagal bayar, atau peristiwa
kepailitan atau kebangkrutan Bank atau pihak lawan.
Aset tetap "Aset tetap dicatat berdasarkan biaya perolehan setelah dikurangi akumulasi penyusutan dan Fixed assets
akumulasi kerugian penurunan nilai. Penyusutan diakui sebagai penghapusan biaya perolehan aset
dengan menggunakan metode saldo-menurun-ganda, kecuali untuk bangunan dan prasarana kantor
dihitung dengan menggunakan metode garis lurus (straight-line method)."
Penurunan nilai aset nonkeuangan Pada akhir setiap periode pelaporan, Bank menelaah nilai tercatat aset non-keuangan untuk Impairment of non-financial assets
menentukan apakah terdapat indikasi bahwa aset tersebut telah mengalami penurunan nilai. Jika
terdapat indikasi tersebut, jumlah terpulihkan dari aset diestimasi untuk menentukan tingkat kerugian
penurunan nilai (jika ada). Bila tidak memungkinkan untuk mengestimasi jumlah terpulihkan atas suatu
aset individual, Bank mengestimasi jumlah terpulihkan dari unit penghasil kas atas aset.
Pengakuan pendapatan dan beban Pendapatan dan beban bunga diakui secara akrual menggunakan metode suku bunga efektif. Revenue and expense recognition
Penjabaran mata uang asing "Laporan keuangan Bank diukur dan disajikan dalam mata uang dari lingkungan ekonomi utama Foreign currency translation
dimana entitas beroperasi (mata uang fungsional). Laporan keuangan Bank disajikan dalam mata uang
Rupiah (Rp), yang merupakan mata uang fungsional Bank."
Transaksi dengan pihak berelasi Transaksi signifikan yang dilakukan dengan pihak-pihak berelasi, baik dilakukan dengan kondisi dan Transactions with related parties
Page 13
persyaratan yang sama dengan pihak ketiga maupun tidak, diungkapkan pada laporan keuangan.
Provisi Perhitungan suku bunga efektif mencakup biaya transaksi dan seluruh imbalan/provisi dan bentuk lain Provisions
yang dibayarkan atau diterima yang merupakan bagian tak terpisahkan dari suku bunga efektif.
Imbalan kerja karyawan Bank menghitung imbalan pasca kerja imbalan pasti untuk karyawan sesuai dengan sesuai dengan Employee benefits
Undang-Undang No. 11 Tahun 2020 tentang Cipta Kerja dan PP No. 35 Tahun 2021. Bank
menghitung selisih antara imbalan yang diterima karyawan berdasarkan undang-undang yang berlaku
dengan manfaat yang diterima dari program pensiun untuk pensiun normal.
Dividen Modal ditempatkan dan disetor penuh adalah saham biasa yang memberikan hak kepada pemilik untuk Dividends
satu suara per saham dan berpartisipasi dalam dividen.
Penentuan nilai wajar Pengakuan, pengukuran awal, pengukuran setelah pengukuran awal, reklasifikasi, penentuan nilai Determination of fair value
wajar, penurunan nilai dan penghentian pengakuan kredit dibahas pada Catatan 3e, terkait aset
keuangan, liabilitas keuangan dan instrumen ekuitas.
Peristiwa setelah tanggal periode pelaporan Bank telah menerima surat persetujuan dari OJK tertanggal 20 Juni 2023, dimana berdasarkan surat Events after reporting period
tersebut, OJK menyetujui penambahan modal ditempatkan dan disetor penuh dan agio saham yang
bersumber dari pelaksanaan PUT II untuk posisi 31 Desember 2022.
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 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 5,026,513 ( 5,026,513 ) 0 Land, directly owned Carrying amount, gross
Bangunan dan fasilitasnya, Building and leasehold
3,070,956 ( 3,070,956 ) 0
dimiliki langsung improvement, directly owned
Mesin dan peralatan, dimiliki Machinery and equipment,
22,745,843 969,794 ( 75,142 ) 23,640,495
langsung directly owned
Alat berat, dimiliki langsung Heavy equipment, directly
0
owned
Alat pengangkutan, dimiliki Transportation equipment,
0
langsung directly owned
Perabot dan peralatan Furniture and office
4,699,419 1,136,938 ( 331,046 ) 5,505,311
kantor, dimiliki langsung equipment, directly owned
Kendaraan bermotor, dimiliki Motor vehicle, directly
1,987,518 1,987,518
langsung owned
Pesawat, dimiliki langsung 0 Aircraft, directly owned
Kapal, dimiliki langsung 0 Vessels, directly owned
Lainnya, dimiliki langsung 0 Others, directly owned
Dimiliki langsung 37,530,249 2,106,732 ( 8,503,657 ) 31,133,324 Directly owned
Bangunan, aset hak guna 8,919,799 8,660,198 17,579,997 Building, right of use assets
Perabot dan peralatan Furniture and office
kantor, aset hak guna 9,391,562 4,798 9,396,360 equipment, rights of use
assets
Aset hak guna 18,311,361 8,664,996 26,976,357 Right of use assets
Aset tetap Property, plant, and
55,841,610 10,771,728 ( 8,503,657 ) 58,109,681
equipment
Akumulasi depresiasi Bangunan dan fasilitasnya, Building and leasehold Carrying amount,
1,944,939 89,570 ( 2,034,509 )
dimiliki langsung improvement, directly owned accumulated depreciation
Mesin dan peralatan, dimiliki Machinery and equipment,
19,208,415 1,744,392 ( 70,367 ) 20,882,440
langsung directly owned
Perabot dan peralatan Furniture and office
4,182,074 285,921 ( 331,046 ) 4,136,949
kantor, dimiliki langsung equipment, directly owned
Page 15
Kendaraan bermotor, dimiliki 1,568,036 78,653 1,646,689 Motor vehicle, directly
langsung owned
Dimiliki langsung 26,903,464 2,198,536 ( 2,435,922 ) 26,666,078 Directly owned
Bangunan, aset hak guna 4,765,566 4,623,038 9,388,604 Building, right of use assets
Perabot dan peralatan Furniture and office
kantor, aset hak guna 3,665,675 455,486 4,121,161 equipment, rights of use
assets
Aset hak guna 8,431,241 5,078,523 13,509,764 Right of use assets
Aset tetap Property, plant, and
35,334,705 7,277,059 ( 2,435,922 ) 40,175,842
equipment
Nilai perolehan Aset tetap Property, plant, and Carrying amount
20,506,905 17,933,839
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 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 5,026,513 5,026,513 Land, directly owned Carrying amount, gross
Bangunan dan fasilitasnya, Building and leasehold
3,070,956 3,070,956
dimiliki langsung improvement, directly owned
Mesin dan peralatan, Machinery and equipment,
20,535,068 2,210,775 22,745,843
dimiliki langsung directly owned
Perabot dan peralatan Furniture and office
4,629,835 69,584 4,699,419
kantor, dimiliki langsung equipment, directly owned
Kendaraan bermotor, Motor vehicle, directly
2,202,418 ( 214,900 ) 1,987,518
dimiliki langsung owned
Dimiliki langsung 35,464,790 2,280,359 ( 214,900 ) 37,530,249 Directly owned
Bangunan, aset hak guna 11,688,393 2,963,738 ( 5,732,332 ) 8,919,799 Building, right of use assets
Perabot dan peralatan Furniture and office
kantor, aset hak guna 7,949,146 3,036,580 ( 1,594,164 ) 9,391,562 equipment, rights of use
assets
Aset hak guna 19,637,539 6,000,318 ( 7,326,496 ) 18,311,361 Right of use assets
Aset tetap Property, plant, and
55,102,329 8,280,677 ( 7,541,396 ) 55,841,610
equipment
Akumulasi depresiasi Bangunan dan fasilitasnya, Building and leasehold Carrying amount,
1,791,391 153,548 1,944,939
dimiliki langsung improvement, directly owned accumulated depreciation
Mesin dan peralatan, Machinery and equipment,
15,958,916 3,249,499 19,208,415
dimiliki langsung directly owned
Perabot dan peralatan Furniture and office
3,920,876 261,198 4,182,074
kantor, dimiliki langsung equipment, directly owned
Kendaraan bermotor, Motor vehicle, directly
1,643,109 139,827 ( 214,900 ) 1,568,036
dimiliki langsung owned
Dimiliki langsung 23,314,292 3,804,072 ( 214,900 ) 26,903,464 Directly owned
Bangunan, aset hak guna 6,105,501 4,376,952 ( 5,716,887 ) 4,765,566 Building, right of use assets
Perabot dan peralatan Furniture and office
kantor, aset hak guna 2,021,156 2,111,708 ( 467,189 ) 3,665,675 equipment, rights of use
assets
Page 17
Aset hak guna 8,126,657 6,488,660 ( 6,184,076 ) 8,431,241 Right of use assets
Aset tetap Property, plant, and
31,440,949 10,292,732 ( 6,398,976 ) 35,334,705
equipment
Nilai perolehan Aset tetap Property, plant, and Carrying amount
23,661,380 20,506,905
equipment
Page 18
[4611100] Disclosure of Notes to the financial statements - Property, Plant and Equipment - Financial and Sharia Industry
Page 19
[4612100a] Notes to the financial statements - Loans and Sharia receivables/financing - by type - Financial and Sharia Industry
30 September 2023
Pinjaman berdasarkan tipe Loans by type
Total pinjaman, kotor
Total loans, gross
Total Loans by
Current Special mention Substandard Doubtful Loss
collectibility
Jumlah Pinjaman
Dalam perhatian
Lancar Kurang lancar Diragukan Macet berdasarkan
khusus
kolektibilitas
Rupiah Modal kerja 1,794,912,578 195,110,061 35,979,661 77,731,719 32,367,302 2,136,101,321 Working capital Rupiah
Investasi 2,840,198 581,010 3,421,208 Investment
Konsumen 260,760,186 53,020,945 9,474,108 15,205,344 603,544 339,064,127 Consumer
Subtotal Pinjaman Subtotal Loans by
2,058,512,962 248,131,006 45,453,769 92,937,063 33,551,856 2,478,586,656
berdasarkan tipe type
Subtotal Seluruh Subtotal Pinjaman Subtotal Loans by Subtotal on all
2,058,512,962 248,131,006 45,453,769 92,937,063 33,551,856 2,478,586,656
Mata Uang berdasarkan tipe type Currencies
30 September 2023
Pinjaman berdasarkan tipe Loans by type
Total Loans by
Current Special mention Substandard Doubtful Loss
collectibility
Jumlah Pinjaman
Lancar Dalam perhatian khusus Kurang lancar Diragukan Macet
berdasarkan kolektibilitas
Total pinjaman, kotor 2,058,512,962 248,131,006 45,453,769 92,937,063 33,551,856 2,478,586,656 Total loans, gross
Cadangan kerugian Allowance for impairment
penurunan nilai pada ( 22,352,577 ) ( 60,419,388 ) ( 40,635,669 ) ( 75,904,491 ) ( 17,025,581 ) ( 216,337,706 ) losses for loans
pinjaman yang diberikan
Total pinjaman, bersih 2,036,160,385 187,711,618 4,818,100 17,032,572 16,526,275 2,262,248,950 Total loans, net
31 December 2022
Pinjaman berdasarkan tipe Loans by type
Total pinjaman, kotor
Page 20
Total loans, gross
Total Loans by
Current Special mention Substandard Doubtful Loss
collectibility
Jumlah Pinjaman
Dalam perhatian
Lancar Kurang lancar Diragukan Macet berdasarkan
khusus
kolektibilitas
Rupiah Modal kerja 1,405,417,590 156,569,333 35,844,110 47,881,241 19,915,738 1,665,628,012 Working capital Rupiah
Investasi 10,739,096 581,010 11,320,106 Investment
Konsumen 506,757,375 44,570,446 12,535,660 18,165,016 582,028,497 Consumer
Subtotal Pinjaman Subtotal Loans by
1,922,914,061 201,139,779 48,379,770 66,046,257 20,496,748 2,258,976,615
berdasarkan tipe type
Subtotal Seluruh Subtotal Pinjaman Subtotal Loans by Subtotal on all
1,922,914,061 201,139,779 48,379,770 66,046,257 20,496,748 2,258,976,615
Mata Uang berdasarkan tipe type Currencies
31 December 2022
Pinjaman berdasarkan tipe Loans by type
Total Loans by
Current Special mention Substandard Doubtful Loss
collectibility
Jumlah Pinjaman
Lancar Dalam perhatian khusus Kurang lancar Diragukan Macet
berdasarkan kolektibilitas
Total pinjaman, kotor 1,922,914,061 201,139,779 48,379,770 66,046,257 20,496,748 2,258,976,615 Total loans, gross
Cadangan kerugian Allowance for impairment
penurunan nilai pada ( 28,840,409 ) ( 22,662,226 ) ( 41,989,011 ) ( 53,998,215 ) ( 1,904,602 ) ( 149,394,463 ) losses for loans
pinjaman yang diberikan
Total pinjaman, bersih 1,894,073,652 178,477,553 6,390,759 12,048,042 18,592,146 2,109,582,152 Total loans, net
Page 21
[4613100a] Notes to the financial statements - Loans and Sharia receivables/financing - by Economic Sector - Financial and Sharia Industry
30 September 2023
Pinjaman berdasarkan sektor ekonomi Loans by economic sector
Total pinjaman, kotor
Total loans, gross
Total Loans by
Current Special mention Substandard Doubtful Loss
collectibility
Jumlah Pinjaman
Dalam perhatian
Lancar Kurang lancar Diragukan Macet berdasarkan
khusus
kolektibilitas
Rupiah Perindustrian 240,771,838 504,241 241,276,079 Manufacturing Rupiah
Perdagangan, restoran Trading, restaurants
1,449,809,399 247,626,765 45,453,769 92,937,063 13,551,856 1,849,378,852
dan hotel and hotels
Jasa dunia usaha 25,854,417 25,854,417 Business services
Konstruksi 73,630,736 10,000,000 83,630,736 Construction
Pengangkutan, Transportation,
pergudangan dan 3,941,000 3,941,000 warehousing and
komunikasi communications
Jasa sosial 29,220,297 29,220,297 Social services
Properti 49,731,271 49,731,271 Property
Lain-lain 185,554,004 10,000,000 195,554,004 Other sectors
Subtotal Pinjaman Subtotal Loans by
berdasarkan sektor 2,058,512,962 248,131,006 45,453,769 92,937,063 33,551,856 2,478,586,656 economic sector
ekonomi
Mata uang asing Subtotal Pinjaman Subtotal Loans by Foreign currencies
berdasarkan sektor 2,058,512,962 248,131,006 45,453,769 92,937,063 33,551,856 2,478,586,656 economic sector
ekonomi
Subtotal Seluruh Subtotal Pinjaman Subtotal Loans by Subtotal on all
Mata Uang berdasarkan sektor 2,058,512,962 248,131,006 45,453,769 92,937,063 33,551,856 2,478,586,656 economic sector Currencies
ekonomi
30 September 2023
Pinjaman berdasarkan sektor ekonomi Loans by economic sector
Total Loans by
Current Special mention Substandard Doubtful Loss
collectibility
Page 22
Lancar Dalam perhatian khusus Kurang lancar Diragukan Macet Jumlah Pinjaman
berdasarkan kolektibilitas
Total pinjaman, kotor 2,058,512,962 248,131,006 45,453,769 92,937,063 33,551,856 2,478,586,656 Total loans, gross
Cadangan kerugian Allowance for impairment
penurunan nilai pada ( 22,352,577 ) ( 60,419,388 ) ( 40,635,669 ) ( 75,904,491 ) ( 17,025,581 ) ( 216,337,706 ) losses for loans
pinjaman yang diberikan
Total pinjaman, bersih 2,036,160,385 187,711,618 4,818,100 17,032,572 16,526,275 2,262,248,950 Total loans, net
31 December 2022
Pinjaman berdasarkan sektor ekonomi Loans by economic sector
Total pinjaman, kotor
Total loans, gross
Total Loans by
Current Special mention Substandard Doubtful Loss
collectibility
Jumlah Pinjaman
Dalam perhatian
Lancar Kurang lancar Diragukan Macet berdasarkan
khusus
kolektibilitas
Rupiah Perindustrian 163,241,887 0 0 0 0 163,241,887 Manufacturing Rupiah
Perdagangan, restoran Trading, restaurants
1,079,375,803 156,569,333 35,844,110 42,881,241 5,496,748 1,320,167,235
dan hotel and hotels
Pertanian 0 Agriculture
Jasa dunia usaha 0 Business services
Konstruksi 0 Construction
Pengangkutan, Transportation,
pergudangan dan 13,079,127 0 0 0 0 13,079,127 warehousing and
komunikasi communications
Listrik, gas dan air Electricity, gas and
0
water
Jasa sosial 0 Social services
Pertambangan 0 Mining
Properti 5,982,709 0 0 0 0 5,982,709 Property
Lain-lain 661,234,535 44,570,446 12,535,660 23,165,016 15,000,000 756,505,657 Other sectors
Subtotal Pinjaman Subtotal Loans by
berdasarkan sektor 1,922,914,061 201,139,779 48,379,770 66,046,257 20,496,748 2,258,976,615 economic sector
ekonomi
Subtotal Seluruh Subtotal Pinjaman Subtotal Loans by Subtotal on all
Mata Uang berdasarkan sektor 1,922,914,061 201,139,779 48,379,770 66,046,257 20,496,748 2,258,976,615 economic sector Currencies
ekonomi
Page 23
31 December 2022
Pinjaman berdasarkan sektor ekonomi Loans by economic sector
Total Loans by
Current Special mention Substandard Doubtful Loss
collectibility
Jumlah Pinjaman
Lancar Dalam perhatian khusus Kurang lancar Diragukan Macet
berdasarkan kolektibilitas
Total pinjaman, kotor 1,922,914,061 201,139,779 48,379,770 66,046,257 20,496,748 2,258,976,615 Total loans, gross
Cadangan kerugian Allowance for impairment
penurunan nilai pada ( 28,840,409 ) ( 22,662,226 ) ( 41,989,011 ) ( 53,998,215 ) ( 1,904,602 ) ( 149,394,463 ) losses for loans
pinjaman yang diberikan
Total pinjaman, bersih 1,894,073,652 178,477,553 6,390,759 12,048,042 18,592,146 2,109,582,152 Total loans, net
Page 24
[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
33.37 35.8
rata-rata per tahun rupiah loans
Cadangan kerugian Allowance for impairment of
149,394,463 162,979,441
penurunan nilai, awal periode losses, beginning period
Pembentukan selama tahun Provision during the year of
berjalan 66,943,243 allowance for impairment
losses on loans
Pemulihan pinjaman yang Recoveries of written-off of
telah dihapusbukukan ( 13,584,978 ) allowance for impairment
losses on loans
Cadangan kerugian Allowance for impairment
216,337,706 149,394,463
penurunan nilai, akhir periode of losses, ending period
Non-performing financing - Non-performing financing -
6.99 6.09
gross gross
Non-performing financing - Non-performing financing -
1.56 1.67
net net
Page 25
[4614110] Disclosure of Notes to the financial statements - Loans and Sharia receivables/financing - Financial and Sharia Industry
Pengungkapan Disclosure
30 September 2023
Pengungkapan catatan atas pinjaman dan "Setelah pengakuan awal, kredit yang diberikan diukur pada biaya perolehan diamortisasi atau nilai Disclosure of notes for loans and sharia
piutang syariah wajar sesuai dengan klasifikasinya masing-masing. Untuk kredit yang diberikan yang diklasifikasikan receivables/financing
sebagai biaya perolehan diamortisasi, setelah pengakuan awal diukur menggunakan suku bunga
efektif. Pengakuan, pengukuran awal, pengukuran setelah pengukuran awal, reklasifikasi, penentuan
nilai wajar, penurunan nilai dan penghentian pengakuan kredit dibahas pada Catatan 3e, terkait aset
keuangan, liabilitas keuangan dan instrumen ekuitas."
Page 26
[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 3,324 3,567 Rupiah Related parties Current accounts
Subtotal Seluruh Subtotal on all
3,324 3,567
Mata Uang Currencies
Pihak ketiga Rupiah 67,555,277 27,623,636 Rupiah Third
Subtotal Seluruh Subtotal on all parties
67,555,277 27,623,636
Mata Uang Currencies
Subtotal Seluruh Subtotal Seluruh Subtotal on all Subtotal on all
67,558,601 27,627,203
Pihak Mata Uang Currencies Parties
Page 27
[4622100] Notes to the financial statements - Savings Deposits and Wadiah Savings Deposits - Financial and Sharia Industry
Tabungan dan tabungan wadiah Savings deposits and wadiah savings deposits
30 September 2023 31 December 2022
Tabungan Pihak berelasi Rupiah 965,209 719,480 Rupiah Related parties Savings deposits
Subtotal Seluruh Subtotal on all
965,209 719,480
Mata Uang Currencies
Pihak ketiga Rupiah 131,512,325 148,040,853 Rupiah Third
Subtotal Seluruh Subtotal on all parties
131,512,325 148,040,853
Mata Uang Currencies
Subtotal Seluruh Subtotal Seluruh Subtotal on all Subtotal on all
132,477,534 148,760,333
Pihak Mata Uang Currencies Parties
Page 28
[4623100] Notes to the financial statements - Time deposits and Wakalah deposits - Financial and Sharia Industry
Deposito berjangka dan deposito wakalah Time deposits and wakalah deposits
30 September 2023 31 December 2022
Deposito berjangka Pihak berelasi Rupiah 1,173,509 1,101,116 Rupiah Related parties Time deposits
Subtotal Seluruh Subtotal on all
1,173,509 1,101,116
Mata Uang Currencies
Pihak ketiga Rupiah 625,070,400 828,817,271 Rupiah Third
Subtotal Seluruh Subtotal on all parties
625,070,400 828,817,271
Mata Uang Currencies
Subtotal Seluruh Subtotal Seluruh Subtotal on all Subtotal on all
626,243,909 829,918,387
Pihak Mata Uang Currencies Parties
Page 29
[4624100] Notes to the financial statements - Annual average interest rate Third Party Funds - Financial and Sharia Industry
Page 30
[4624110] Disclosure of Notes to the financial statements - Third Party Funds - Financial and Sharia Industry
Pengungkapan Disclosure
30 September 2023
Pengungkapan catatan atas dana pihak ketiga Simpanan diklasifikasikan dalam kategori liabilitas keuangan pada biaya perolehan diamortisasi. Disclosure of notes for third party funds
Pengakuan, pengukuran awal, pengukuran setelah pengukuran awal, reklasifikasi, penentuan nilai
wajar dan penghentian pengakuan simpanan dibahas pada Catatan 3e terkait aset keuangan, liabilitas
keuangan dan instrumen ekuitas.
Page 31
[4631100] Notes to the financial statements - Interest and Sharia Income -
Financial and Sharia Industry
Pendapatan bunga dan syariah Interest and sharia income
30 September 2023 30 September 2022
Pendapatan bunga Interest income
Kredit yang diberikan 611,601,470 560,190,390 Loans interest income
Efek-efek 42,776,945 19,489,456 Marketable securities income
Penempatan pada Bank Placements with Bank
Indonesia dan bank lain 41,519,322 24,870,677 Indonesia and other banks
income
Lain-lain 863,699 906,121 Other interest income
Subtotal pendapatan bunga 696,761,436 605,456,644 Subtotal interest income
Total pendapatan bunga dan Total interest and sharia
696,761,436 605,456,644
syariah income
Page 32
[4631110] Disclosure of Interest and Sharia Income - Financial and Sharia Industry
Pengungkapan Disclosure
30 September 2023
Pengungkapan catatan atas pendapatan bunga Pendapatan dan beban bunga diakui secara akrual menggunakan metode suku bunga efektif. Disclosure of interest and sharia income
dan syariah
Page 33
[4632100] Notes to the financial statements - Interest and Sharia Expense -
Financial and Sharia Industry
Beban bunga dan syariah Interest and sharia expense
30 September 2023 30 September 2022
Beban bunga Interest expense
Deposito berjangka Time deposits interest
37,524,274 60,125,820
expense
Tabungan Saving deposits interest
4,115,707 5,557,633
expense
Premi penjaminan dana pihak Premium on third party fund
2,367,082 6,737,053
ketiga guarantees
Giro Current accounts interest
996,481 479,613
expense
Lain-lain Others interest expense
7,919,432 30,713,571
interest expense
Subtotal beban bunga 52,922,976 103,613,690 Subtotal interest expense
Total beban bunga dan syariah Total interest and sharia
52,922,976 103,613,690
expense
Page 34
[4632110] Disclosure of Notes to the financial statements - Interest Expense - Financial and Sharia Industry
Pengungkapan Disclosure
30 September 2023
Pengungkapan catatan atas beban bunga Pendapatan dan beban bunga diakui secara akrual menggunakan metode suku bunga efektif. Disclosure of notes for interest expense
Page 35
[4634000a] Notes to the financial statements - Bonds Payable - Financial and Sharia Industry
Page 36
[4634100] Disclosure of Notes to the financial statements - Bonds Payable - Financial and Sharia Industry
Page 37
[4695000] Notes to the financial statements - Borrowings, by creditor, by currency - Financial and Sharia Industry
Page 38
[4695100] Disclosure of Notes to the financial statements - Borrowings - Financial and Sharia Industry
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