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Nomor Surat KP/AKT/038/X/2023
Nama Emiten Bank Bumi Arta Tbk
Kode Emiten BNBA
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 Bank Bumi Arta Tbk yang tidak memerlukan tanda tangan karena dihasilkan secara elektronik. Bank Bumi
Arta 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 Bank Bumi Arta 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 BNBA Entity code
Nomor identifikasi entitas AA470 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
Utama / Main
entitas tercatat listed
Apakah merupakan laporan keuangan Whether the financial statements are
satu entitas atau suatu kelompok Entitas tunggal / Single entity of an individual entity or a group of
entitas entities
Periode penyampaian laporan Period of financial statements
Kuartal III / Third Quarter
keuangan submissions
Tanggal awal periode berjalan January 01, 2023 Current period start date
Tanggal akhir periode berjalan September 30, 2023 Current period end date
Tanggal akhir tahun sebelumnya December 31, 2022 Prior year end date
Tanggal awal periode sebelumnya January 01, 2022 Prior period start date
Tanggal akhir periode sebelumnya September 30, 2022 Prior period end date
Tanggal akhir 2 tahun sebelumnya December 31, 2021 Prior 2 year end date
Mata uang pelaporan Rupiah / IDR Description of presentation currency
Kurs konversi pada tanggal pelaporan Conversion rate at reporting date if
jika mata uang penyajian selain rupiah presentation currency is other than
rupiah
Pembulatan yang digunakan dalam Level of rounding used in financial
penyajian jumlah dalam laporan Satuan Penuh / Full Amount 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 45,582,620,944 50,413,271,982 Cash
Giro pada bank lain Current accounts with other
banks
Giro pada bank lain pihak Current accounts with
44,157,103,206 30,921,056,229
ketiga other banks third parties
Cadangan kerugian Allowance for impairment
penurunan nilai pada giro ( 21,141,387 ) ( 15,536,128 ) losses for current
pada bank lain accounts with other bank
Efek-efek yang Marketable securities
diperdagangkan
Efek-efek yang Marketable securities third
diperdagangkan pihak 122,459,005,226 122,387,580,374 parties
ketiga
Efek yang dibeli dengan janji Securities purchased under
2,195,908,240,000 2,255,711,720,000
dijual kembali agreement to resale
Tagihan akseptasi Acceptance receivables
Tagihan akseptasi pihak Acceptance receivables
9,974,048,411 5,517,767,401
ketiga third parties
Pinjaman yang diberikan Loans
Pinjaman yang diberikan Loans third parties
4,046,986,010,953 3,836,132,125,130
pihak ketiga
Pinjaman yang diberikan Loans related parties
16,851,752,492 9,493,256,437
pihak berelasi
Cadangan kerugian Allowance for impairment
penurunan nilai pada ( 136,997,550,536 ) ( 113,787,874,932 ) losses for loans
pinjaman yang diberikan
Aset keuangan lainnya 27,027,272,808 38,064,889,032 Other financial assets
Biaya dibayar dimuka 14,952,742,959 8,625,899,527 Prepaid expenses
Aset pajak tangguhan 28,604,476,647 28,604,476,647 Deferred tax assets
Aset takberwujud selain Intangible assets other than
10,701,516,058 13,069,065,119
goodwill goodwill
Aset tetap Property, plant, and
790,330,881,638 797,038,741,763
equipment
Aset hak guna 1,684,621,923 2,550,211,562 Right of use assets
Agunan yang diambil alih 27,197,375,550 30,628,957,774 Foreclosed assets
Aset lainnya 51,257,335,941 54,575,588,587 Other assets
Jumlah aset 8,179,919,155,259 8,211,291,790,399 Total assets
Liabilitas, dana syirkah Liabilities, temporary syirkah
temporer dan ekuitas funds and equity
Liabilitas Liabilities
Liabilitas segera Obligations due
16,292,005,164 11,579,113,424
immediately
Simpanan nasabah Customers deposits
Giro Current accounts
Giro pihak ketiga Current accounts
452,538,521,486 402,417,255,524
third parties
Giro pihak berelasi Current accounts
62,516,957,538 351,407,529,635
related parties
Tabungan Savings
Tabungan pihak Savings third
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ketiga 345,469,556,664 387,038,746,282 parties
Tabungan pihak Savings related
11,920,152,313 18,433,110,041
berelasi parties
Deposito berjangka Time deposits
Deposito berjangka Time deposits third
3,555,605,387,113 3,271,080,335,745
pihak ketiga parties
Deposito berjangka Time deposits
476,535,948,252 541,989,437,293
pihak berelasi related parties
Simpanan dari bank lain Other banks deposits
Simpanan dari bank Other banks deposits
948,940,741 1,982,315,951
lain pihak ketiga third parties
Liabilitas akseptasi Acceptance liabilities
Liabilitas akseptasi Acceptance liabilities
9,974,048,411 5,517,767,401
pihak ketiga third parties
Estimasi kerugian Estimated losses on
komitmen dan kontinjensi 2,914,004,165 2,218,947,315 commitments and
contingencies
Beban akrual 10,070,321,216 9,070,713,274 Accrued expenses
Utang pajak 7,154,061,912 17,861,231,701 Taxes payable
Liabilitas lainnya 54,744,530,421 51,489,068,279 Other liabilities
Kewajiban imbalan pasca Post-employment benefit
65,149,107,308 62,432,221,004
kerja obligations
Jumlah liabilitas 5,071,833,542,704 5,134,517,792,869 Total liabilities
Ekuitas Equity
Ekuitas yang Equity attributable to
diatribusikan kepada equity owners of parent
pemilik entitas induk entity
Saham biasa 338,800,000,000 338,800,000,000 Common stocks
Tambahan modal Additional paid-in
1,344,852,028,249 1,344,852,028,249
disetor capital
Cadangan revaluasi 696,894,433,533 696,894,433,533 Revaluation reserves
Cadangan pengukuran Reserve of
kembali program ( 8,932,956,001 ) ( 8,932,956,001 ) 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
45,000,000,000 42,500,000,000
umum dan wajib legal reserves
Saldo laba yang Unappropriated
belum ditentukan 691,472,106,774 662,660,491,749 retained earnings
penggunaannya
Jumlah ekuitas yang Total equity
diatribusikan kepada attributable to equity
3,108,085,612,555 3,076,773,997,530
pemilik entitas induk owners of parent
entity
Jumlah ekuitas 3,108,085,612,555 3,076,773,997,530 Total equity
Jumlah liabilitas, dana Total liabilities, temporary
syirkah temporer dan 8,179,919,155,259 8,211,291,790,399 syirkah funds and equity
ekuitas
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[4322000] Statement of profit or loss and other comprehensive income, OCI
components presented before 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 396,330,906,254 395,189,079,904 Interest income
Beban bunga ( 130,572,182,538 ) ( 135,568,316,385 ) Interest expenses
Pendapatan operasional Other operating income
lainnya
Pendapatan provisi dan Provisions and
komisi dari transaksi commissions income from
1,294,465,900 1,590,775,126
lainnya selain kredit transactions other than
loan
Keuntungan (kerugian) Gains (losses) on changes
selisih kurs mata uang ( 19,507,247 ) 1,061,479,484 in foreign exchange rates
asing
Keuntungan (kerugian) Gains (losses) on disposal
618,240,376 1,405,106,549
pelepasan aset tetap of property and equipment
Keuntungan (kerugian) Gains (losses) on disposal
pelepasan agunan yang 721,245,989 of foreclosed assets
diambil alih
Pendapatan operasional Other operating income
11,844,972,377 9,944,409,699
lainnya
Pembentukan kerugian Allowances for impairment
penurunan nilai losses
Pembentukan penyisihan Allowances for impairment
kerugian penurunan nilai ( 30,546,597,306 ) ( 36,730,388,049 ) losses on earnings assets
aset produktif
Pembentukan penyisihan Allowances for impairment
kerugian penurunan nilai ( 6,953,735,861 ) 228,624,825 losses on non-earnings
aset non-produktif assets
Pembalikan (beban) estimasi Reversal (expense) of
kerugian komitmen dan estimated losses on
( 695,056,850 ) 188,092,649
kontijensi commitments and
contingencies
Beban operasional lainnya Other operating expenses
Beban umum dan General and
( 186,250,384,768 ) ( 172,872,561,361 )
administrasi administrative expenses
Beban sewa, Rent, maintenance and
pemeliharaan, dan ( 7,642,929,330 ) ( 9,254,589,458 ) improvement expenses
perbaikan
Beban operasional Other operating
( 7,267,820,307 ) ( 8,948,076,883 )
lainnya expenses
Jumlah laba operasional 40,140,370,700 46,954,882,089 Total profit from operation
Pendapatan dan beban bukan Non-operating income and
operasional expense
Pendapatan bukan Non-operating income
2,725,225 785,547,844
operasional
Jumlah laba (rugi) sebelum Total profit (loss) before tax
40,143,095,925 47,740,429,933
pajak penghasilan
Pendapatan (beban) pajak ( 8,831,480,900 ) ( 3,345,391,071 ) Tax benefit (expenses)
Jumlah laba (rugi) dari operasi Total profit (loss) from
31,311,615,025 44,395,038,862
yang dilanjutkan continuing operations
Jumlah laba (rugi) 31,311,615,025 44,395,038,862 Total profit (loss)
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Pendapatan komprehensif Other comprehensive income,
lainnya, sebelum pajak before tax
Pendapatan komprehensif Other comprehensive
lainnya yang tidak akan income that will not be
direklasifikasi ke laba rugi, reclassified to profit or
sebelum pajak loss, before tax
Pendapatan komprehensif Other comprehensive
lainnya atas keuntungan income for gains (losses)
( 16,370,783,867 )
(kerugian) hasil revaluasi on revaluation of property
aset tetap, sebelum pajak and equipment, before tax
Pendapatan komprehensif Other comprehensive
lainnya atas pengukuran income for
kembali kewajiban 2,130,717,780 remeasurement of defined
manfaat pasti, sebelum benefit obligation, before
pajak tax
Jumlah pendapatan Total other
komprehensif lainnya comprehensive income
yang tidak akan ( 14,240,066,087 ) that will not be
direklasifikasi ke laba reclassified to profit or
rugi, sebelum pajak loss, before tax
Jumlah pendapatan Total other comprehensive
komprehensif lainnya, ( 14,240,066,087 ) income, before tax
sebelum pajak
Pajak atas pendapatan Tax on other comprehensive
1,145,386,784
komprehensif lainnya income
Jumlah pendapatan Total other comprehensive
komprehensif lainnya, setelah ( 13,094,679,303 ) income, after tax
pajak
Jumlah laba rugi komprehensif 31,311,615,025 31,300,359,559 Total comprehensive income
Laba (rugi) yang dapat Profit (loss) attributable to
diatribusikan
Laba (rugi) yang dapat Profit (loss) attributable to
31,311,615,025 44,395,038,862
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 31,311,615,025 31,300,359,559 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 9.24 16.02 share from continuing
dilanjutkan operations
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[4410000] Statement of changes in equity - Financial and Sharia Industry - Current Year
30 September 2023
Laporan perubahan ekuitas Statement of changes in equity
Saldo laba yang telah
Cadangan pengukuran Saldo laba yang belum Ekuitas yang dapat
ditentukan
Saham biasa Tambahan modal disetor Cadangan revaluasi kembali program ditentukan diatribusikan kepada Ekuitas
penggunaannya-cadangan
imbalan pasti penggunaannya entitas induk
umum dan wajib
Reserve of Appropriated retained
Unappropriated retained Equity attributable to
Common stocks Additional paid-in capital Revaluation reserves remeasurements of earnings-general and legal Equity
earnings parent entity
defined benefit plans reserves
Posisi ekuitas Equity position
Saldo awal periode sebelum penyajian Balance before restatement at beginning of
338,800,000,000 1,344,852,028,249 696,894,433,533 ( 8,932,956,001 ) 42,500,000,000 662,660,491,749 3,076,773,997,530 3,076,773,997,530
kembali period
Posisi ekuitas, awal periode 338,800,000,000 1,344,852,028,249 696,894,433,533 ( 8,932,956,001 ) 42,500,000,000 662,660,491,749 3,076,773,997,530 3,076,773,997,530 Equity position, beginning of the period
Laba (rugi) 31,311,615,025 31,311,615,025 31,311,615,025 Profit (loss)
Pembentukan cadangan umum 2,500,000,000 ( 2,500,000,000 ) Allocation for general reserves
Posisi ekuitas, akhir periode 338,800,000,000 1,344,852,028,249 696,894,433,533 ( 8,932,956,001 ) 45,000,000,000 691,472,106,774 3,108,085,612,555 3,108,085,612,555 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
Cadangan pengukuran Saldo laba yang belum Ekuitas yang dapat
ditentukan
Saham biasa Tambahan modal disetor Cadangan revaluasi kembali program ditentukan diatribusikan kepada Ekuitas
penggunaannya-cadangan
imbalan pasti penggunaannya entitas induk
umum dan wajib
Reserve of Appropriated retained
Unappropriated retained Equity attributable to
Common stocks Additional paid-in capital Revaluation reserves remeasurements of earnings-general and legal Equity
earnings parent entity
defined benefit plans reserves
Posisi ekuitas Equity position
Saldo awal periode sebelum penyajian Balance before restatement at beginning of
277,200,000,000 583,045,154,766 720,723,325,751 ( 8,277,831,573 ) 40,000,000,000 628,930,195,977 2,241,620,844,921 2,241,620,844,921
kembali period
Posisi ekuitas, awal periode 277,200,000,000 583,045,154,766 720,723,325,751 ( 8,277,831,573 ) 40,000,000,000 628,930,195,977 2,241,620,844,921 2,241,620,844,921 Equity position, beginning of the period
Laba (rugi) 44,395,038,862 44,395,038,862 44,395,038,862 Profit (loss)
Pendapatan komprehensif lainnya ( 14,756,639,171 ) 1,661,959,868 ( 13,094,679,303 ) ( 13,094,679,303 ) Other comprehensive income
Pembentukan cadangan umum 2,500,000,000 ( 2,500,000,000 ) Allocation for general reserves
Distribusi dividen kas ( 11,781,000,000 ) ( 11,781,000,000 ) ( 11,781,000,000 ) Distributions of cash dividends
Posisi ekuitas, akhir periode 277,200,000,000 583,045,154,766 705,966,686,580 ( 6,615,871,705 ) 42,500,000,000 659,044,234,839 2,261,140,204,480 2,261,140,204,480 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 402,642,593,770 390,376,493,862 income, fees and
komisi commissions received
Pembayaran bunga dan Payments Of Interest And
bonus, provisi dan komisi ( 129,595,230,499 ) ( 137,785,105,779 ) Bonus Fees And
Commissions
Pendapatan dari transaksi Income from other
12,091,267,662 7,871,554,228
operasional lainnya operating transactions
Pembayaran gaji dan Payments for salaries and
( 108,403,027,772 ) ( 99,800,334,823 )
tunjangan allowances
Pembayaran pajak Payments for corporate
( 17,564,816,720 ) ( 10,556,909,660 )
penghasilan badan income tax
Pembayaran beban umum Payments for general and
( 65,984,656,790 ) ( 68,465,186,247 )
dan administrasi administrative expense
Penerimaan pendapatan Receipts from
2,725,225 2,217,246,824
non-operasional non-operating income
Penurunan (kenaikan) aset Decrease (increase) in
operasi operating assets
Penurunan (kenaikan) Decrease (increase) in
efek yang dibeli dengan 59,803,480,000 249,943,882,524 securities purchased
janji dijual kembali under resale agreements
Penurunan (kenaikan) Decrease (increase) in
( 218,212,381,878 ) ( 8,538,940,330 )
pinjaman yang diberikan loans
Penurunan (kenaikan) Decrease (increase) in
721,245,989
agunan yang diambil alih foreclosed assets
Penurunan (kenaikan) Decrease (increase) in
( 11,064,215,735 ) ( 4,970,267,907 )
aset lainnya other assets
Kenaikan (penurunan) Increase (decrease) in
liabilitas operasi operating liabilities
Kenaikan (penurunan) giro Increase (decrease) in
dan tabungan simpanan ( 286,851,453,481 ) ( 480,361,758,870 ) current accounts and
nasabah customers savings
Kenaikan (penurunan) Increase (decrease) in
deposito berjangka 219,071,562,327 32,613,003,959 customers time deposits
nasabah
Kenaikan (penurunan) Increase (decrease) in
simpanan dari bank lain ( 1,033,375,210 ) ( 24,586,507 ) other banks saving
deposits
Kenaikan (penurunan) Increase (decrease) in
1,933,032,040 426,945,756
liabilitas lainnya other liabilities
Jumlah arus kas bersih Total net cash flows
yang diperoleh dari received from (used in)
( 143,164,497,061 ) ( 126,332,716,981 )
(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 ( 3,467,519,161 ) ( 5,724,906,635 ) (acquisition) of property and
Page 11
equipment
Penerimaan dari penjualan Proceeds from disposal
(perolehan) aset takberwujud ( 2,355,587,035 ) ( 3,848,744,100 ) (acquisition) of intangible
selain goodwill assets other than goodwill
Jumlah arus kas bersih Total net cash flows
yang diperoleh dari received from (used in)
( 5,823,106,196 ) ( 9,573,650,735 )
(digunakan untuk) aktivitas investing activities
investasi
Arus kas dari aktivitas Cash flows from financing
pendanaan activities
Pembayaran dividen dari Dividends paid from financing
( 11,781,000,000 )
aktivitas pendanaan activities
Penerimaan (pengeluaran) Other cash inflows (outflows)
kas lainnya dari aktivitas ( 444,555,000 ) ( 365,400,000 ) from financing activities
pendanaan
Jumlah arus kas bersih Total net cash flows
yang diperoleh dari received from (used in)
( 444,555,000 ) ( 12,146,400,000 )
(digunakan untuk) aktivitas financing activities
pendanaan
Jumlah kenaikan (penurunan) Total net increase (decrease)
( 149,432,158,257 ) ( 148,052,767,716 )
bersih kas dan setara kas in cash and cash equivalents
Kas dan setara kas arus kas, Cash and cash equivalents cash
1,122,694,922,106 1,425,879,826,166
awal periode flows, beginning of the period
Efek perubahan nilai kurs pada Effect of exchange rate changes
( 260,197,273 ) 3,096,437,409
kas dan setara kas on cash and cash equivalents
Kas dan setara kas arus kas, Cash and cash equivalents
973,002,566,576 1,280,923,495,859
akhir periode cash flows, end of the period
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[4610000] Explanation for Significant Accounting Policy - Financial and Sharia Industry
Page 13
[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 period and equipment plant, and equipment equipment, end period
Nilai perolehan, kotor Tanah, dimiliki langsung 711,617,482,000 711,617,482,000 Land, directly owned Carrying amount, gross
Bangunan dan Building and leasehold
fasilitasnya, dimiliki 68,202,498,000 68,202,498,000 improvement, directly
langsung owned
Perabot dan peralatan Furniture and office
59,090,092,651 1,953,529,940 ( 369,947,064 ) 6,316,947,147
kantor, dimiliki langsung equipment, directly owned
Kendaraan bermotor, Motor vehicle, directly
17,873,912,000 1,709,500,000 ( 1,343,000,000 ) 60,673,675,527
dimiliki langsung owned
Lainnya, dimiliki langsung 6,351,300,378 135,628,769 ( 169,982,000 ) 18,240,412,000 Others, directly owned
Dimiliki langsung 863,135,285,029 3,798,658,709 ( 1,882,929,064 ) 865,051,014,674 Directly owned
Aset tetap Property, plant, and
863,135,285,029 3,798,658,709 ( 1,882,929,064 ) 865,051,014,674
equipment
Akumulasi depresiasi Bangunan dan Building and leasehold Carrying amount,
fasilitasnya, dimiliki 2,609,687,784 3,914,531,676 6,524,219,460 improvement, directly accumulated depreciation
langsung owned
Perabot dan peralatan Furniture and office
47,042,403,245 4,675,612,338 ( 369,161,366 ) 51,348,854,217
kantor, dimiliki langsung equipment, directly owned
Kendaraan bermotor, Motor vehicle, directly
12,071,746,668 1,391,303,164 ( 1,258,287,150 ) 12,204,762,682
dimiliki langsung owned
Lainnya, dimiliki langsung 4,372,705,569 437,163,384 ( 167,572,276 ) 4,642,296,677 Others, directly owned
Dimiliki langsung 66,096,543,266 10,418,610,562 ( 1,795,020,792 ) 74,720,133,036 Directly owned
Aset tetap Property, plant, and
66,096,543,266 10,418,610,562 ( 1,795,020,792 ) 74,720,133,036
equipment
Nilai perolehan Aset tetap Property, plant, and Carrying amount
797,038,741,763 790,330,881,638
equipment
Page 14
[4611000] Notes to the financial statements - Property, Plant, and Equipement - Financial and Sharia Industry - Prior Year
31 December 2022
Aset tetap Property, plant, and equipment
Aset tetap, awal Penambahan aset Pengurangan aset Reklasifikasi aset Aset tetap, akhir
Revaluasi aset tetap
periode tetap tetap tetap periode
Property, plant, and Reclassifications of
Addition in property, Disposals in property, Revaluation of property, Property, plant, and
equipment, beginning property, plant, and
plant, and equipment plant, and equipment plant, and equipment equipment, end period
period equipment
Nilai perolehan, Tanah, dimiliki Land, directly owned Carrying amount,
723,404,832,000 ( 2,837,910,000 ) ( 8,949,440,000 ) 711,617,482,000
kotor langsung gross
Bangunan dan Building and
fasilitasnya, dimiliki leasehold
64,958,888,000 15,890,447,080 ( 12,646,837,080 ) 68,202,498,000
langsung improvement,
directly owned
Perabot dan Furniture and office
peralatan kantor, 49,165,242,052 11,074,176,417 ( 1,704,284,818 ) 554,959,000 59,090,092,651 equipment, directly
dimiliki langsung owned
Kendaraan Motor vehicle,
bermotor, dimiliki 18,680,271,000 1,865,091,000 ( 2,671,450,000 ) 17,873,912,000 directly owned
langsung
Lainnya, dimiliki Others, directly
4,676,933,488 120,704,500 ( 355,623,100 ) 1,909,285,490 6,351,300,378
langsung owned
Dimiliki langsung 860,886,166,540 13,059,971,917 ( 4,731,357,918 ) 15,516,781,570 ( 21,596,277,080 ) 863,135,285,029 Directly owned
Bangunan, dalam Building, assets
19,169,394,764 639,620,806 ( 19,809,015,570 )
penyelesaian under construction
Aset dalam Assets under
19,169,394,764 639,620,806 ( 19,809,015,570 )
penyelesaian construction
Aset tetap Property, plant,
880,055,561,304 13,699,592,723 ( 4,731,357,918 ) ( 4,292,234,000 ) ( 21,596,277,080 ) 863,135,285,029
and equipment
Akumulasi Bangunan dan Building and Carrying amount,
depresiasi fasilitasnya, dimiliki leasehold accumulated
2,514,639,438 5,296,712,134 ( 55,060,866 ) ( 5,146,602,922 ) 2,609,687,784
langsung improvement, depreciation
directly owned
Perabot dan Furniture and office
peralatan kantor, 44,742,442,212 3,989,691,383 ( 1,689,730,350 ) 47,042,403,245 equipment, directly
dimiliki langsung owned
Kendaraan Motor vehicle,
bermotor, dimiliki directly owned
12,844,969,504 1,874,390,377 ( 2,647,613,213 ) 12,071,746,668
Page 15
langsung
Lainnya, dimiliki Others, directly
4,159,497,986 559,212,192 ( 346,004,609 ) 4,372,705,569
langsung owned
Dimiliki langsung 64,261,549,140 11,720,006,086 ( 4,683,348,172 ) ( 55,060,866 ) ( 5,146,602,922 ) 66,096,543,266 Directly owned
Aset tetap Property, plant,
64,261,549,140 11,720,006,086 ( 4,683,348,172 ) ( 55,060,866 ) ( 5,146,602,922 ) 66,096,543,266
and equipment
Nilai perolehan Aset tetap Property, plant, Carrying amount
815,794,012,164 797,038,741,763
and equipment
Page 16
[4611100] Disclosure of Notes to the financial statements - Property, Plant and Equipment - Financial and Sharia Industry
Page 17
[4612000] Notes to the financial statements - Right of Use Assets - Financial and Sharia Industry - Current Year
30 September 2023
Aset hak guna Right of use assets
Aset hak guna, periode Penambahan aset hak Pengurangan aset hak Aset hak guna, periode
awal guna guna akhir
Right of use assets, Addition in right of use Disposals in right of use Right of use assets, end
beginning period assets assets period
Nilai perolehan, kotor Mesin, aset hak guna Machinery, right of use Carrying amount, gross
2,181,825,895 150,863,928 ( 624,239,021 ) 1,708,450,802
assets
Bangunan, aset hak guna Building, right of use
4,732,779,898 170,827,452 ( 1,722,255,556 ) 3,181,351,794
assets
Aset hak guna 6,914,605,793 321,691,380 ( 2,346,494,577 ) 4,889,802,596 Right of use assets
Akumulasi depresiasi Mesin, aset hak guna Machinery, right of use Carrying amount,
1,388,938,593 407,360,415 ( 624,239,021 ) 1,172,059,987
assets accumulated depreciation
Bangunan, aset hak guna Building, right of use
2,975,455,638 779,920,604 ( 1,722,255,556 ) 2,033,120,686
assets
Aset hak guna 4,364,394,231 1,187,281,019 ( 2,346,494,577 ) 3,205,180,673 Right of use assets
Nilai perolehan Aset hak guna 2,550,211,562 1,684,621,923 Right of use assets Carrying amount
Page 18
[4612000] Notes to the financial statements - Right of Use Assets - Financial and Sharia Industry - Prior Year
31 December 2022
Aset hak guna Right of use assets
Aset hak guna, periode Penambahan aset hak Pengurangan aset hak Aset hak guna, periode
awal guna guna akhir
Right of use assets, Addition in right of use Disposals in right of use Right of use assets, end
beginning period assets assets period
Nilai perolehan, kotor Mesin, aset hak guna Machinery, right of use Carrying amount, gross
2,806,064,916 ( 624,239,021 ) 2,181,825,895
assets
Bangunan, aset hak guna Building, right of use
6,041,132,234 1,328,844,342 ( 2,637,196,678 ) 4,732,779,898
assets
Aset hak guna 8,847,197,150 1,328,844,342 ( 3,261,435,699 ) 6,914,605,793 Right of use assets
Akumulasi depresiasi Mesin, aset hak guna Machinery, right of use Carrying amount,
1,519,741,058 493,436,556 ( 624,239,021 ) 1,388,938,593
assets accumulated depreciation
Bangunan, aset hak guna Building, right of use
4,339,661,991 1,272,990,325 ( 2,637,196,678 ) 2,975,455,638
assets
Aset hak guna 5,859,403,049 1,766,426,881 ( 3,261,435,699 ) 4,364,394,231 Right of use assets
Nilai perolehan Aset hak guna 2,987,794,101 2,550,211,562 Right of use assets Carrying amount
Page 19
[4612100] Disclosure of Notes to the financial statements - Right of Use Assets - Financial and Sharia Industry
Page 20
[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
Dalam perhatian Jumlah Pinjaman
Lancar Kurang lancar Diragukan Macet
khusus berdasarkan kolektibilitas
Rupiah Modal kerja 3,033,858,097,591 40,138,373,264 3,827,467,751 35,148,915,465 123,199,940,933 3,236,172,795,004 Working capital Rupiah
Investasi 180,373,474,296 23,907,502,927 204,280,977,223 Investment
Konsumen 524,842,494,579 13,504,497,411 1,236,759,474 666,456,650 12,070,505,851 552,320,713,965 Consumer
Subtotal Pinjaman Subtotal Loans
3,739,074,066,466 53,642,870,675 5,064,227,225 35,815,372,115 159,177,949,711 3,992,774,486,192
berdasarkan tipe by type
Mata uang asing Modal kerja 71,063,277,253 71,063,277,253 Working capital Foreign currencies
Subtotal Pinjaman Subtotal Loans
71,063,277,253 71,063,277,253
berdasarkan tipe by type
Subtotal Seluruh Subtotal Pinjaman Subtotal Loans Subtotal on all
3,810,137,343,719 53,642,870,675 5,064,227,225 35,815,372,115 159,177,949,711 4,063,837,763,445
Mata Uang berdasarkan tipe by type Currencies
30 September 2023
Pinjaman berdasarkan tipe Loans by type
Current Special mention Substandard Doubtful Loss Total Loans by collectibility
Jumlah Pinjaman
Lancar Dalam perhatian khusus Kurang lancar Diragukan Macet
berdasarkan kolektibilitas
Total pinjaman, kotor 3,810,137,343,719 53,642,870,675 5,064,227,225 35,815,372,115 159,177,949,711 4,063,837,763,445 Total loans, gross
Cadangan kerugian Allowance for impairment
penurunan nilai pada ( 58,272,606,943 ) ( 14,198,146,996 ) ( 2,507,100,527 ) ( 1,306,076,086 ) ( 60,713,619,984 ) ( 136,997,550,536 ) losses for loans
pinjaman yang diberikan
Total pinjaman, bersih 3,751,864,736,776 39,444,723,679 2,557,126,698 34,509,296,029 98,464,329,727 3,926,840,212,909 Total loans, net
31 December 2022
Page 21
Pinjaman berdasarkan tipe Loans by type
Total pinjaman, kotor
Total loans, gross
Total Loans by
Current Special mention Substandard Doubtful Loss
collectibility
Dalam perhatian Jumlah Pinjaman
Lancar Kurang lancar Diragukan Macet
khusus berdasarkan kolektibilitas
Rupiah Modal kerja 2,721,657,971,323 48,965,847,318 16,486,360,357 7,449,444,230 114,161,438,148 2,908,721,061,376 Working capital Rupiah
Investasi 221,859,131,587 22,286,094,925 244,145,226,512 Investment
Konsumen 588,109,560,584 12,557,714,198 921,070,808 1,901,993,939 12,128,809,539 615,619,149,068 Consumer
Subtotal Pinjaman Subtotal Loans
3,531,626,663,494 61,523,561,516 17,407,431,165 9,351,438,169 148,576,342,612 3,768,485,436,956
berdasarkan tipe by type
Mata uang asing Modal kerja 77,139,944,611 77,139,944,611 Working capital Foreign currencies
Subtotal Pinjaman Subtotal Loans
77,139,944,611 77,139,944,611
berdasarkan tipe by type
Subtotal Seluruh Subtotal Pinjaman Subtotal Loans Subtotal on all
3,608,766,608,105 61,523,561,516 17,407,431,165 9,351,438,169 148,576,342,612 3,845,625,381,567
Mata Uang berdasarkan tipe by type Currencies
31 December 2022
Pinjaman berdasarkan tipe Loans by type
Current Special mention Substandard Doubtful Loss Total Loans by collectibility
Jumlah Pinjaman
Lancar Dalam perhatian khusus Kurang lancar Diragukan Macet
berdasarkan kolektibilitas
Total pinjaman, kotor 3,608,766,608,105 61,523,561,516 17,407,431,165 9,351,438,169 148,576,342,612 3,845,625,381,567 Total loans, gross
Cadangan kerugian Allowance for impairment
penurunan nilai pada ( 48,148,667,069 ) ( 14,655,364,800 ) ( 2,936,673,173 ) ( 1,909,355,923 ) ( 46,137,813,967 ) ( 113,787,874,932 ) losses for loans
pinjaman yang diberikan
Total pinjaman, bersih 3,560,617,941,036 46,868,196,716 14,470,757,992 7,442,082,246 102,438,528,645 3,731,837,506,635 Total loans, net
Page 22
[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
Dalam perhatian Jumlah Pinjaman
Lancar Kurang lancar Diragukan Macet
khusus berdasarkan kolektibilitas
Rupiah Perindustrian 544,213,284,099 1,567,594,470 26,625,392,411 572,406,270,980 Manufacturing Rupiah
Perdagangan, Trading, restaurants
2,257,390,514,496 37,334,260,326 3,827,467,751 11,745,675,465 107,346,109,787 2,417,644,027,825
restoran dan hotel and hotels
Konstruksi 43,792,095,005 23,403,240,000 4,499,814,232 71,695,149,237 Construction
Pengangkutan, Transportation,
pergudangan dan 95,676,904,523 95,676,904,523 warehousing and
komunikasi communications
Lain-lain 798,001,268,343 14,741,015,879 1,236,759,474 666,456,650 20,706,633,281 835,352,133,627 Other sectors
Subtotal Pinjaman Subtotal Loans by
berdasarkan sektor 3,739,074,066,466 53,642,870,675 5,064,227,225 35,815,372,115 159,177,949,711 3,992,774,486,192 economic sector
ekonomi
Mata uang Perindustrian 71,058,855,732 71,058,855,732 Manufacturing Foreign
asing Perdagangan, Trading, restaurants currencies
4,421,521 4,421,521
restoran dan hotel and hotels
Subtotal Pinjaman Subtotal Loans by
berdasarkan sektor 71,063,277,253 71,063,277,253 economic sector
ekonomi
Subtotal Subtotal Pinjaman Subtotal Loans by Subtotal on all
Seluruh Mata berdasarkan sektor 3,810,137,343,719 53,642,870,675 5,064,227,225 35,815,372,115 159,177,949,711 4,063,837,763,445 economic sector Currencies
Uang ekonomi
30 September 2023
Pinjaman berdasarkan sektor ekonomi Loans by economic sector
Current Special mention Substandard Doubtful Loss Total Loans by collectibility
Jumlah Pinjaman
Lancar Dalam perhatian khusus Kurang lancar Diragukan Macet
berdasarkan kolektibilitas
Page 23
Total pinjaman, kotor 3,810,137,343,719 53,642,870,675 5,064,227,225 35,815,372,115 159,177,949,711 4,063,837,763,445 Total loans, gross
Cadangan kerugian Allowance for impairment
penurunan nilai pada ( 58,272,606,943 ) ( 14,198,146,996 ) ( 2,507,100,527 ) ( 1,306,076,086 ) ( 60,713,619,984 ) ( 136,997,550,536 ) losses for loans
pinjaman yang diberikan
Total pinjaman, bersih 3,751,864,736,776 39,444,723,679 2,557,126,698 34,509,296,029 98,464,329,727 3,926,840,212,909 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
Dalam perhatian Jumlah Pinjaman
Lancar Kurang lancar Diragukan Macet
khusus berdasarkan kolektibilitas
Rupiah Perindustrian 569,881,308,959 2,686,043,496 13,536,360,357 24,514,104,944 610,617,817,756 Manufacturing Rupiah
Perdagangan, Trading, restaurants
1,846,047,784,375 46,279,803,822 2,950,000,000 7,449,444,230 101,603,308,936 2,004,330,341,363
restoran dan hotel and hotels
Pertanian 198,585,887 198,585,887 Agriculture
Konstruksi 70,419,571,848 4,499,814,232 74,919,386,080 Construction
Pengangkutan, Transportation,
pergudangan dan 107,467,595,327 107,467,595,327 warehousing and
komunikasi communications
Lain-lain 937,611,817,098 12,557,714,198 921,070,808 1,901,993,939 17,959,114,500 970,951,710,543 Other sectors
Subtotal Pinjaman Subtotal Loans by
berdasarkan sektor 3,531,626,663,494 61,523,561,516 17,407,431,165 9,351,438,169 148,576,342,612 3,768,485,436,956 economic sector
ekonomi
Mata uang Perindustrian 72,066,505,390 72,066,505,390 Manufacturing Foreign
asing Perdagangan, Trading, restaurants currencies
5,073,439,221 5,073,439,221
restoran dan hotel and hotels
Subtotal Pinjaman Subtotal Loans by
berdasarkan sektor 77,139,944,611 77,139,944,611 economic sector
ekonomi
Subtotal Subtotal Pinjaman Subtotal Loans by Subtotal on all
Seluruh Mata berdasarkan sektor 3,608,766,608,105 61,523,561,516 17,407,431,165 9,351,438,169 148,576,342,612 3,845,625,381,567 economic sector Currencies
Uang ekonomi
31 December 2022
Page 24
Pinjaman berdasarkan sektor ekonomi Loans by economic sector
Current Special mention Substandard Doubtful Loss Total Loans by collectibility
Jumlah Pinjaman
Lancar Dalam perhatian khusus Kurang lancar Diragukan Macet
berdasarkan kolektibilitas
Total pinjaman, kotor 3,608,766,608,105 61,523,561,516 17,407,431,165 9,351,438,169 148,576,342,612 3,845,625,381,567 Total loans, gross
Cadangan kerugian Allowance for impairment
penurunan nilai pada ( 48,148,667,069 ) ( 14,655,364,800 ) ( 2,936,673,173 ) ( 1,909,355,923 ) ( 46,137,813,967 ) ( 113,787,874,932 ) losses for loans
pinjaman yang diberikan
Total pinjaman, bersih 3,560,617,941,036 46,868,196,716 14,470,757,992 7,442,082,246 102,438,528,645 3,731,837,506,635 Total loans, net
Page 25
[4614110] Disclosure of Notes to the financial statements - Loans and Sharia receivables/financing - Financial and Sharia Industry
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 61,681,501,966 346,318,772,773 Rupiah Related parties Current accounts
Mata uang asing 835,455,572 5,088,756,862 Foreign currencies
Subtotal Seluruh Subtotal on all
62,516,957,538 351,407,529,635
Mata Uang Currencies
Pihak ketiga Rupiah 449,672,830,349 398,299,714,665 Rupiah Third parties
Mata uang asing 2,865,691,137 4,117,540,859 Foreign currencies
Subtotal Seluruh Subtotal on all
452,538,521,486 402,417,255,524
Mata Uang Currencies
Subtotal Seluruh Subtotal Seluruh Subtotal on all Subtotal on all
515,055,479,024 753,824,785,159
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 11,850,648,551 18,363,851,168 Rupiah Related parties Savings deposits
Mata uang asing 69,503,762 69,258,873 Foreign currencies
Subtotal Seluruh Subtotal on all
11,920,152,313 18,433,110,041
Mata Uang Currencies
Pihak ketiga Rupiah 339,246,407,416 379,824,087,104 Rupiah Third parties
Mata uang asing 6,223,149,248 7,214,659,178 Foreign currencies
Subtotal Seluruh Subtotal on all
345,469,556,664 387,038,746,282
Mata Uang Currencies
Subtotal Seluruh Subtotal Seluruh Subtotal on all Subtotal on all
357,389,708,977 405,471,856,323
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 473,773,234,707 531,465,930,276 Rupiah Related parties Time deposits
Mata uang asing 2,762,713,545 10,523,507,017 Foreign currencies
Subtotal Seluruh Subtotal on all
476,535,948,252 541,989,437,293
Mata Uang Currencies
Pihak ketiga Rupiah 3,507,228,401,585 3,225,651,140,645 Rupiah Third parties
Mata uang asing 48,376,985,528 45,429,195,100 Foreign currencies
Subtotal Seluruh Subtotal on all
3,555,605,387,113 3,271,080,335,745
Mata Uang Currencies
Subtotal Seluruh Subtotal Seluruh Subtotal on all Subtotal on all
4,032,141,335,365 3,813,069,773,038
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
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