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Financial statement Text extracted BABP

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Page 1
Nomor Surat                      165/MNCB/CS/X/2023
Nama Emiten                      PT Bank MNC Internasional Tbk.
Kode Emiten                      BABP
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 MNC Internasional Tbk. yang tidak memerlukan tanda tangan karena dihasilkan secara

               elektronik. PT Bank MNC Internasional Tbk. bertanggung jawab penuh atas informasi tertera di dalam dokumen ini.
Page 2
[1000000] General information

Informasi umum                                                                    General information
                                               30 September 2023
Nama entitas                           PT Bank MNC Internasional                                     Entity name
                                       Tbk.
Penjelasan perubahan nama dari akhir                                      Explanation of change in name from
periode laporan sebelumnya                                                  the end of the preceding reporting
                                                                                                          period
Kode entitas                           BABP                                                          Entity code
Nomor identifikasi entitas             AA395                                       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 / 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      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                                                          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
Page 3
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.
Page 4
[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                                         70,485               93,012                          Cash
  Giro pada bank lain                                                     Current accounts with other
                                                                                                  banks
      Giro pada bank lain pihak                                               Current accounts with
                                             147,078              175,171
      ketiga                                                                other banks third parties
   Efek-efek yang                                                               Marketable securities
   diperdagangkan
      Efek-efek yang                                                         Marketable securities third
      diperdagangkan pihak                 2,432,714            2,298,935                        parties
      ketiga
   Tagihan akseptasi                                                            Acceptance receivables
      Tagihan akseptasi pihak                                                  Acceptance receivables
                                              69,271               77,253
      ketiga                                                                              third parties
   Tagihan derivatif                                                              Derivative receivables
      Tagihan derivatif pihak                                                   Derivative receivables
                                               1,098                 2,894
      ketiga                                                                              third parties
   Pinjaman yang diberikan                                                                         Loans
      Pinjaman yang diberikan                                                      Loans third parties
                                           8,590,264            8,862,559
      pihak ketiga
      Pinjaman yang diberikan                                                     Loans related parties
                                           1,453,408            1,337,307
      pihak berelasi
      Cadangan kerugian                                                       Allowance for impairment
      penurunan nilai pada                ( 248,417 )          ( 247,201 )            losses for loans
      pinjaman yang diberikan
   Biaya dibayar dimuka                       73,814               72,065                 Prepaid expenses
   Aset pajak tangguhan                      123,011              124,494               Deferred tax assets
   Aset takberwujud selain                                                    Intangible assets other than
                                              14,000               16,806
   goodwill                                                                                         goodwill
   Aset tetap                                                                           Property, plant, and
                                             973,619               31,659
                                                                                                  equipment
   Aset lainnya                           1,008,025               994,217                      Other assets
   Jumlah aset                           17,352,458            16,862,363                      Total assets
Liabilitas, dana syirkah                                                      Liabilities, temporary syirkah
temporer dan ekuitas                                                                         funds and equity
   Liabilitas                                                                                     Liabilities
       Liabilitas segera                                                                 Obligations due
                                              84,948               89,057
                                                                                            immediately
      Simpanan nasabah                                                           Customers deposits
         Giro                                                                    Current accounts
            Giro pihak ketiga                                                  Current accounts
                                           1,036,055              860,237
                                                                                     third parties
            Giro pihak berelasi                                                Current accounts
                                             268,963              359,994
                                                                                  related parties
         Tabungan                                                                           Savings
            Tabungan pihak                                                         Savings third
                                           1,877,747            1,938,556
            ketiga                                                                         parties
            Tabungan pihak                                                      Savings related
                                              37,805               42,619
            berelasi                                                                       parties
         Deposito berjangka                                                          Time deposits
            Deposito berjangka                                               Time deposits third
Page 5
          pihak ketiga              7,879,610     8,590,451                    parties
          Deposito berjangka                                         Time deposits
                                    1,366,885     1,363,029
          pihak berelasi                                             related parties
  Simpanan dari bank lain                                         Other banks deposits
      Simpanan dari bank                                        Other banks deposits
                                     509,776        193,808
      lain pihak ketiga                                                      third parties
  Efek yang dijual dengan                                              Securities sold with
                                     371,810        380,566
  janji untuk dibeli kembali                                       repurchase agreement
  Liabilitas derivatif                                               Derivative payables
      Liabilitas derivatif pihak                                  Derivative payables
                                        1,338          1,144
      ketiga                                                                 third parties
  Liabilitas akseptasi                                            Acceptance liabilities
      Liabilitas akseptasi                                       Acceptance liabilities
                                       69,271         77,253
      pihak ketiga                                                           third parties
  Beban akrual                       177,560        162,854             Accrued expenses
  Utang pajak                         19,555          13,343                  Taxes payable
  Liabilitas lainnya                  42,851          42,458                  Other liabilities
  Kewajiban imbalan pasca                                       Post-employment benefit
                                       46,233         34,660
  kerja                                                                           obligations
  Jumlah liabilitas                13,790,407    14,150,029                 Total liabilities
Ekuitas                                                                                    Equity
  Ekuitas yang                                                     Equity attributable to
  diatribusikan kepada                                         equity owners of parent
  pemilik entitas induk                                                                 entity
      Saham biasa                   2,790,605     2,713,698            Common stocks
      Tambahan modal                                                 Additional paid-in
                                    1,479,449       755,772
      disetor                                                                      capital
      Cadangan perubahan                                      Reserve for changes in
      nilai wajar aset                                          fair value of fair value
      keuangan nilai wajar           ( 5,602 )      ( 2,001 )              through other
      melalui pendapatan                                      comprehensive income
      komprehensif lainnya                                              financial assets
      Cadangan pengukuran                                                     Reserve of
      kembali program                  10,500         15,735      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
                                       17,940        17,940
              umum dan wajib                                     legal reserves
          Saldo laba yang                                          Unappropriated
          belum ditentukan         ( 730,841 )   ( 788,810 )     retained earnings
          penggunaannya
      Jumlah ekuitas yang                                             Total equity
      diatribusikan kepada                                  attributable to equity
                                    3,562,051     2,712,334
      pemilik entitas induk                                      owners of parent
                                                                              entity
   Jumlah ekuitas                   3,562,051     2,712,334               Total equity
Jumlah liabilitas, dana                                      Total liabilities, temporary
syirkah temporer dan               17,352,458    16,862,363    syirkah funds and equity
ekuitas
Page 6
[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                               975,792                 830,126                  Interest income
  Beban bunga                                 ( 513,027 )             ( 349,703 )              Interest expenses
  Pendapatan operasional                                                                Other operating income
  lainnya
      Pendapatan provisi dan                                                               Provisions and
      komisi dari transaksi                                                      commissions income from
                                                  28,535                  29,759
      lainnya selain kredit                                                        transactions other than
                                                                                                       loan
        Pendapatan transaksi                                                         Revenue from trading
                                                   1,088                     413
        perdagangan                                                                            transactions
        Pendapatan dividen                         4,207                   4,286        Dividends income
        Keuntungan (kerugian)                                                      Realised gains (losses)
        yang telah direalisasi atas                       0                                from derivative
        instrumen derivatif                                                                     instruments
        Penerimaan kembali aset                                                  Revenue from recovery of
        yang telah                                14,305                  16,799         written-off assets
        dihapusbukukan
        Keuntungan (kerugian)                                                       Gains (losses) on changes
        selisih kurs mata uang                     2,966                   6,444     in foreign exchange rates
        asing
        Pendapatan operasional                                                       Other operating income
                                                  26,388                  31,199
        lainnya
    Pemulihan penyisihan                                                               Recovery of impairment
    kerugian penurunan nilai                                                                                  loss
        Pemulihan penyisihan                                                          Recovery of impairment
        kerugian penurunan nilai               ( 67,103 )             ( 109,782 )      loss of financial assets
        aset keuangan
    Beban operasional lainnya                                                         Other operating expenses
        Beban umum dan                                                                            General and
                                              ( 180,178 )             ( 190,877 )
        administrasi                                                                  administrative expenses
        Beban operasional                                                                    Other operating
                                              ( 211,412 )             ( 197,792 )
        lainnya                                                                                     expenses
Jumlah laba operasional                           81,561                  70,872        Total profit from operation
Pendapatan dan beban bukan                                                              Non-operating income and
operasional                                                                                                expense
    Pendapatan bukan                                                                       Non-operating income
                                                   1,024                   4,047
    operasional
    Beban bukan operasional                     ( 1,564 )               ( 1,073 )       Non-operating expenses
Jumlah laba (rugi) sebelum                                                             Total profit (loss) before tax
                                                  81,021                  73,846
pajak penghasilan
Pendapatan (beban) pajak                       ( 23,052 )              ( 16,339 )         Tax benefit (expenses)
Jumlah laba (rugi) dari operasi                                                         Total profit (loss) from
                                                  57,969                  57,507
yang dilanjutkan                                                                         continuing operations
Jumlah laba (rugi)                                57,969                  57,507              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
Page 7
   direklasifikasi ke laba rugi,                                  reclassified to profit or
   setelah pajak                                                              loss, after tax
       Pendapatan komprehensif                                   Other comprehensive
       lainnya atas pengukuran                                                 income for
       kembali kewajiban                      0            0 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                0            0 that will not be reclassified
       direklasifikasi ke laba rugi,                           to profit or loss, after tax
       setelah pajak
       Jumlah pendapatan                                                      Total other
       komprehensif lainnya                                     comprehensive income
       yang tidak akan                        0            0              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
                                       ( 8,836 )   ( 32,997 )
       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                      0            0 that may be reclassified to
       direklasifikasi ke laba rugi,                              profit or loss, after tax
       setelah pajak
       Jumlah pendapatan                                                      Total other
       komprehensif lainnya                                     comprehensive income
       yang akan direklasifikasi       ( 8,836 )   ( 32,997 ) that may be reclassified
       ke laba rugi, setelah                                  to profit or loss, after tax
       pajak
   Jumlah pendapatan                                            Total other comprehensive
   komprehensif lainnya,               ( 8,836 )   ( 32,997 )             income, after tax
   setelah pajak
Jumlah laba rugi komprehensif           49,133       24,510     Total comprehensive income
Laba (rugi) yang dapat                                            Profit (loss) attributable to
diatribusikan
   Laba (rugi) yang dapat                                          Profit (loss) attributable to
                                        57,969       57,507
   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       49,133       24,510       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             1.98         1.93      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          1.98         1.93      share from continuing
Page 8
dilanjutkan   operations
Page 9
[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
                                                                                             nilai wajar aset        Cadangan pengukuran                                        Saldo laba yang belum      Ekuitas yang dapat
                                                                    Tambahan modal                                                                    ditentukan
                                                  Saham biasa                            keuangan nilai wajar          kembali program                                                ditentukan          diatribusikan kepada     Ekuitas
                                                                        disetor                                                                penggunaannya-cadangan
                                                                                          melalui pendapatan             imbalan pasti                                             penggunaannya              entitas induk
                                                                                                                                                   umum dan wajib
                                                                                         komprehensif lainnya
                                                                                         Reserve for changes in
                                                                                          fair value of fair value         Reserve of            Appropriated retained
                                                                    Additional paid-in                                                                                          Unappropriated retained   Equity attributable to
                                                  Common stocks                                 through other          remeasurements of       earnings-general and legal                                                          Equity
                                                                         capital                                                                                                      earnings               parent entity
                                                                                         comprehensive income         defined benefit plans             reserves
                                                                                              financial assets
Posisi ekuitas                                                                                                                                                                                                                                                                         Equity position
  Saldo awal periode sebelum penyajian kembali          2,713,698             755,772                  ( 2,001 )                    15,735                        17,940                  ( 788,810 )               2,712,334         2,712,334     Balance before restatement at beginning of period
  Posisi ekuitas, awal periode                          2,713,698             755,772                  ( 2,001 )                    15,735                        17,940                  ( 788,810 )               2,712,334         2,712,334           Equity position, beginning of the period
  Laba (rugi)                                                                                                                                                                                 57,969                    57,969            57,969                                          Profit (loss)
  Pendapatan komprehensif lainnya                                                                      ( 3,601 )                   ( 5,235 )                                0                      0                  ( 8,836 )         ( 8,836 )                       Other comprehensive income
  Pelaksanaan waran                                        76,907           ( 78,323 )                                                                                                                                ( 1,416 )         ( 1,416 )                               Exercise of warrants
  Setoran modal dari kepentingan non-pengendali                               802,000                                                                                                                                 802,000           802,000      Stock subscription from non-controlling interests
  Posisi ekuitas, akhir periode                         2,790,605           1,479,449                  ( 5,602 )                    10,500                        17,940                  ( 730,841 )               3,562,051         3,562,051                  Equity position, end of the period
Page 10
[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
                                                                                            nilai wajar aset        Cadangan pengukuran                                   Saldo laba yang belum      Ekuitas yang dapat
                                                                   Tambahan modal                                                                   ditentukan
                                                 Saham biasa                            keuangan nilai wajar          kembali program                                           ditentukan          diatribusikan kepada     Ekuitas
                                                                       disetor                                                               penggunaannya-cadangan
                                                                                         melalui pendapatan             imbalan pasti                                        penggunaannya              entitas induk
                                                                                                                                                 umum dan wajib
                                                                                        komprehensif lainnya
                                                                                        Reserve for changes in
                                                                                         fair value of fair value         Reserve of           Appropriated retained
                                                                   Additional paid-in                                                                                     Unappropriated retained   Equity attributable to
                                                 Common stocks                                 through other          remeasurements of      earnings-general and legal                                                      Equity
                                                                        capital                                                                                                 earnings               parent entity
                                                                                        comprehensive income         defined benefit plans            reserves
                                                                                             financial assets
Posisi ekuitas                                                                                                                                                                                                                                                                  Equity position
  Saldo awal periode sebelum penyajian kembali         2,573,254             592,219                      9,869                     13,490                      17,940               ( 841,315 )              2,365,457         2,365,457    Balance before restatement at beginning of period
  Posisi ekuitas, awal periode                         2,573,254             592,219                      9,869                     13,490                      17,940               ( 841,315 )              2,365,457         2,365,457          Equity position, beginning of the period
  Laba (rugi)                                                                                                                                                                            57,507                  57,507            57,507                                         Profit (loss)
  Pendapatan komprehensif lainnya                                                                    ( 36,246 )                      3,249                                                                    ( 32,997 )        ( 32,997 )                       Other comprehensive income
  Pelaksanaan waran                                       98,541           ( 98,758 )                                                                                                                            ( 217 )           ( 217 )                               Exercise of warrants
  Posisi ekuitas, akhir periode                        2,671,795             493,461                 ( 26,377 )                     16,739                      17,940               ( 783,808 )              2,389,750         2,389,750                 Equity position, end of the period
Page 11
[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                628,502                  821,766             income, fees and
       komisi                                                                        commissions received
       Pembayaran bunga dan                                                      Payments Of Interest And
       bonus, provisi dan komisi           ( 326,255 )             ( 355,794 )              Bonus Fees And
                                                                                               Commissions
       Pendapatan dari transaksi                                                          Income from other
                                               52,181                         0
       operasional lainnya                                                           operating transactions
       Pembayaran gaji dan                                                       Payments for salaries and
                                           ( 110,048 )             ( 154,489 )
       tunjangan                                                                                  allowances
       Pembayaran beban                                                                  Payments for other
                                           ( 144,980 )             ( 175,271 )
       operasional lainnya                                                              operating expenses
       Penerimaan pendapatan                                                                  Receipts from
                                               ( 228 )                   ( 974 )
       non-operasional                                                               non-operating income
       Penerimaan                                                                        Other cash inflows
       (pengeluaran) kas lainnya                       0                 95,822 (outflows) from operating
       dari aktivitas operasi                                                                        activities
   Penurunan (kenaikan) aset                                                          Decrease (increase) in
   operasi                                                                                    operating assets
       Penurunan (kenaikan)                                                         Decrease (increase) in
                                            ( 44,214 )             ( 493,877 )
       efek yang diperdagangkan                                                       marketable securities
       Penurunan (kenaikan)                                                         Decrease (increase) in
       efek yang dibeli dengan             ( 143,733 )             ( 146,490 )        securities purchased
       janji dijual kembali                                                       under resale agreements
       Penurunan (kenaikan)                                                         Decrease (increase) in
                                               12,695                ( 59,530 )
       tagihan akseptasi                                                           acceptance receivables
       Penurunan (kenaikan)                                                         Decrease (increase) in
                                           ( 359,120 )           ( 1,578,807 )
       pinjaman yang diberikan                                                                          loans
       Penurunan (kenaikan)                                                         Decrease (increase) in
                                                2,073                    ( 275 )
       tagihan derivatif                                                             derivative receivables
       Penurunan (kenaikan)                                                         Decrease (increase) in
                                               10,336                    26,467
       aset lainnya                                                                             other assets
   Kenaikan (penurunan)                                                                Increase (decrease) in
   liabilitas operasi                                                                      operating liabilities
       Kenaikan (penurunan)                                                         Increase (decrease) in
       liabilitas segera                       65,267                  ( 1,934 )             obligations due
                                                                                                immediately
      Kenaikan (penurunan) giro                                                     Increase (decrease) in
      dan tabungan simpanan                ( 841,588 )                 851,289        current accounts and
      nasabah                                                                            customers savings
      Kenaikan (penurunan)                                                          Increase (decrease) in
      simpanan dari bank lain               ( 93,187 )                   62,696          other banks saving
                                                                                                     deposits
      Kenaikan (penurunan)                                                          Increase (decrease) in
      efek yang dijual dengan                   9,895                  283,823        securities sold under
      janji dibeli kembali                                                          repurchase agreement
      Kenaikan (penurunan)                                                          Increase (decrease) in
                                            ( 12,695 )                   59,530
      liabilitas akseptasi                                                            acceptance payables
Page 12
       Kenaikan (penurunan)              ( 644 )          790       Increase (decrease) in
       liabilitas derivatif                                            derivative payables
       Kenaikan (penurunan)                                         Increase (decrease) in
                                        15,668         13,549
       liabilitas lainnya                                                   other liabilities
   Jumlah arus kas bersih                                               Total net cash flows
   yang diperoleh dari                                               received from (used in)
                                   ( 1,280,075 )   ( 751,709 )
   (digunakan untuk) aktivitas                                           operating activities
   operasi
Arus kas dari aktivitas                                          Cash flows from investing
investasi                                                                           activities
   Penerimaan dari penyertaan                                        Proceeds from equity
   saham dalam klasifikasi biaya                                 investments classified as
   perolehan diamortisasi dan                                 amortized cost and fair value
                                      ( 14,610 )     256,943
   nilai wajar melalui                                       through other comprehensive
   pendapatan komprehensif                                                         income
   lainnya
   Penerimaan dari penjualan                                            Proceeds from disposal
   (perolehan) aset tetap           ( 911,752 )     ( 11,703 )     (acquisition) of property and
                                                                                      equipment
   Penerimaan dari penjualan                                            Proceeds from disposal
   (perolehan) aset takberwujud        ( 2,115 )     ( 1,831 )        (acquisition) of intangible
   selain goodwill                                                   assets other than goodwill
   Pencairan (penempatan) aset                                       Withdrawal (placement) of
   keuangan nilai wajar melalui                                       financial assets fair value
                                        29,775              0
   pendapatan komprehensif                                       through other comprehensive
   lainnya                                                                                income
   Penerimaan dari pelepasan                                             Proceeds from sales of
                                              0             0
   entitas anak                                                                      subsidiaries
   Pencairan (penempatan)                                            Withdrawal (placement) of
   efek-efek yang                             0             0             marketable securities
   diperdagangkan
   Penerimaan (pengeluaran)                                      Other cash inflows (outflows)
   kas lainnya dari aktivitas                 0             0         from investing activities
   investasi
   Jumlah arus kas bersih                                               Total net cash flows
   yang diperoleh dari                                               received from (used in)
                                    ( 898,702 )      243,409
   (digunakan untuk) aktivitas                                           investing activities
   investasi
Arus kas dari aktivitas                                              Cash flows from financing
pendanaan                                                                             activities
   Pembayaran pinjaman yang                                          Payments for borrowings
                                           (0)         ( 867 )
   diterima
   Penerimaan dari penerbitan                                    Proceeds from issuance of
                                              0            57
   saham baru                                                                    new stocks
   Pembayaran biaya emisi                                       Payments of stock issuance
                                       ( 1,423 )       ( 274 )
   saham                                                                               costs
   Penerimaan setoran modal                                           Proceeds from capital
                                       802,000              0
                                                                               contributions
   Penerimaan (pengeluaran)                                    Other cash inflows (outflows)
   kas lainnya dari aktivitas                 7             0       from financing activities
   pendanaan
   Jumlah arus kas bersih                                               Total net cash flows
   yang diperoleh dari                                               received from (used in)
                                       800,584       ( 1,084 )
   (digunakan untuk) aktivitas                                           financing activities
   pendanaan
Jumlah kenaikan (penurunan)                                     Total net increase (decrease)
                                   ( 1,378,193 )   ( 509,384 )
bersih kas dan setara kas                                       in cash and cash equivalents
Kas dan setara kas arus kas,                                   Cash and cash equivalents cash
                                     3,291,375     2,435,149
awal periode                                                      flows, beginning of the period
Efek perubahan nilai kurs pada                                 Effect of exchange rate changes
                                       ( 3,215 )     ( 6,960 )
kas dan setara kas                                                on cash and cash equivalents
Page 13
Kas dan setara kas arus kas,                             Cash and cash equivalents
                               1,909,967   1,918,805
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      Penambahan aset              Pengurangan aset                                      Aset tetap, akhir
                                                                                                                                  Reklasifikasi aset tetap
                                                           periode                tetap                        tetap                                                periode
                                                      Property, plant, and                                                          Reclassifications of       Property, plant, and
                                                                             Addition in property,       Disposals in property,
                                                     equipment, beginning                                                           property, plant, and         equipment, end
                                                                             plant, and equipment        plant, and equipment
                                                            period                                                                      equipment                    period
Nilai perolehan, kotor   Tanah, dimiliki langsung                                        284,922                                                                          284,922       Land, directly owned     Carrying amount, gross
                         Bangunan dan                                                                                                                                                 Building and leasehold
                         fasilitasnya, dimiliki                   73,054                 664,971                     ( 2,169 )                             0              735,856      improvement, directly
                         langsung                                                                                                                                                                      owned
                         Perabot dan peralatan                                                                                                                                           Furniture and office
                         kantor, dimiliki langsung                96,398                    3,562                    ( 2,386 )                             0                97,574        equipment, directly
                                                                                                                                                                                                       owned
                         Kendaraan bermotor,                                                                                                                                           Motor vehicle, directly
                                                                   4,625                      750                       ( 546 )                            0                 4,829
                         dimiliki langsung                                                                                                                                                             owned
                         Lainnya, dimiliki                                                                                                                                            Others, directly owned
                                                                         0                           0                                                     0                      0
                         langsung
                         Dimiliki langsung                      174,077                  954,205                     ( 5,101 )                             0            1,123,181            Directly owned
                         Aset tetap                                                                                                                                                    Property, plant, and
                                                                174,077                  954,205                     ( 5,101 )                             0            1,123,181
                                                                                                                                                                                                 equipment
Akumulasi depresiasi     Bangunan dan                                                                                                                                                 Building and leasehold          Carrying amount,
                         fasilitasnya, dimiliki                   61,930                    6,503                    ( 2,161 )                             0                66,272     improvement, directly              accumulated
                         langsung                                                                                                                                                                     owned                depreciation
                         Perabot dan peralatan                                                                                                                                           Furniture and office
                         kantor, dimiliki langsung                78,681                    4,867                    ( 2,385 )                             0                81,163        equipment, directly
                                                                                                                                                                                                      owned
                         Kendaraan bermotor,                                                                                                                                           Motor vehicle, directly
                                                                   1,807                      675                       ( 355 )                            0                 2,127
                         dimiliki langsung                                                                                                                                                            owned
                         Dimiliki langsung                      142,418                    12,045                    ( 4,901 )                             0              149,562            Directly owned
                         Aset tetap                                                                                                                                                    Property, plant, and
                                                                142,418                    12,045                    ( 4,901 )                             0              149,562
                                                                                                                                                                                                 equipment
Nilai perolehan          Aset tetap                                                                                                                                                    Property, plant, and            Carrying amount
                                                                  31,659                                                                                                  973,619
                                                                                                                                                                                                 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        Property, plant, and
                                                                             Addition in property,   Disposals in property,
                                                     equipment, beginning                                                       property, plant, and          equipment, end
                                                                             plant, and equipment    plant, and equipment
                                                            period                                                                  equipment                     period
Nilai perolehan, kotor   Bangunan dan                                                                                                                                              Building and leasehold     Carrying amount, gross
                         fasilitasnya, dimiliki                   73,886                    5,495                ( 6,384 )                             57               73,054      improvement, directly
                         langsung                                                                                                                                                                   owned
                         Perabot dan peralatan                                                                                                                                        Furniture and office
                         kantor, dimiliki langsung                89,275                    9,032                ( 1,909 )                             0                96,398         equipment, directly
                                                                                                                                                                                                    owned
                         Kendaraan bermotor,                                                                                                                                        Motor vehicle, directly
                                                                   4,030                    1,195                   ( 600 )                            0                  4,625
                         dimiliki langsung                                                                                                                                                          owned
                         Lainnya, dimiliki                                                                                                                                         Others, directly owned
                                                                       46                     235                                             ( 281 )                          0
                         langsung
                         Dimiliki langsung                      167,237                    15,957                ( 8,893 )                    ( 224 )                  174,077            Directly owned
                         Aset tetap                                                                                                                                                 Property, plant, and
                                                                167,237                    15,957                ( 8,893 )                    ( 224 )                  174,077
                                                                                                                                                                                              equipment
Akumulasi depresiasi     Bangunan dan                                                                                                                                              Building and leasehold          Carrying amount,
                         fasilitasnya, dimiliki                   61,905                    5,946                ( 5,921 )                             0                61,930      improvement, directly              accumulated
                         langsung                                                                                                                                                                  owned                depreciation
                         Perabot dan peralatan                                                                                                                                        Furniture and office
                         kantor, dimiliki langsung                73,000                    7,575                ( 1,894 )                             0                78,681         equipment, directly
                                                                                                                                                                                                   owned
                         Kendaraan bermotor,                                                                                                                                        Motor vehicle, directly
                                                                   1,119                      788                   ( 100 )                            0                  1,807
                         dimiliki langsung                                                                                                                                                         owned
                         Dimiliki langsung                      136,024                    14,309                ( 7,915 )                             0               142,418            Directly owned
                         Aset tetap                                                                                                                                                 Property, plant, and
                                                                136,024                    14,309                ( 7,915 )                             0               142,418
                                                                                                                                                                                              equipment
Nilai perolehan          Aset tetap                                                                                                                                                 Property, plant, and            Carrying amount
                                                                  31,213                                                                                                31,659
                                                                                                                                                                                              equipment
Page 17
[4611100] Disclosure of Notes to the financial statements - Property, Plant and Equipment - Financial and Sharia Industry
Page 18
[4611100a] Notes to the financial statements - Loans and Sharia receivables/financing - by currency, related parties and third parties - Financial
and Sharia Industry


Total pinjaman berdasarkan mata uang dan pihak                                                                            Total loans by currencies and parties
                                                       30 September 2023                 31 December 2022
Cadangan kerugian penurunan nilai pada pinjaman yang                                                                              Allowance for impairment losses for loans
                                                                           ( 248,417 )                      ( 247,201 )
diberikan
Page 19
[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
  Cadangan kerugian                                                          Allowance for impairment of
                                              247,201             218,438
  penurunan nilai, awal periode                                                  losses, beginning period
  Pembentukan selama tahun                                                   Provision during the year of
  berjalan                                      1,216              28,763       allowance for impairment
                                                                                          losses on loans
  Cadangan kerugian                                                          Allowance for impairment
                                              248,417             247,201
  penurunan nilai, akhir periode                                               of losses, ending period
Page 20
[4614110] Disclosure of Notes to the financial statements - Loans and Sharia receivables/financing - Financial and Sharia Industry
Page 21
[4621100] Notes to the financial statements - Current Accounts and Wadiah Demand deposits - Financial and Sharia Industry
Page 22
[4624110] Disclosure of Notes to the financial statements - Third Party Funds - Financial and Sharia Industry

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