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Nomor Surat 010/BBSI/X/2023
Nama Emiten PT Krom Bank Indonesia Tbk
Kode Emiten BBSI
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 Krom Bank Indonesia Tbk yang tidak memerlukan tanda tangan karena dihasilkan secara elektronik.
PT Krom Bank Indonesia Tbk bertanggung jawab penuh atas informasi tertera di dalam dokumen ini.
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[1000000] General information
Informasi umum General information
30 September 2023
Nama entitas PT Krom Bank Indonesia Tbk Entity name
Penjelasan perubahan nama dari akhir Explanation of change in name from
periode laporan sebelumnya the end of the preceding reporting
period
Kode entitas BBSI Entity code
Nomor identifikasi entitas AA995 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 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 2,807,749,125 5,394,655,446 Cash
Giro pada bank lain Current accounts with other
banks
Giro pada bank lain pihak Current accounts with
103,052,772,808 2,387,289,350
ketiga other banks third parties
Cadangan kerugian Allowance for impairment
penurunan nilai pada losses for placements with
( 103,052,773 ) ( 202,385,696 )
penempatan pada bank other banks
lain
Efek-efek yang Marketable securities
diperdagangkan
Efek-efek yang Marketable securities third
diperdagangkan pihak 109,929,830,830 179,551,385,133 parties
ketiga
Cadangan kerugian Allowance for impairment
penurunan nilai pada losses for marketable
( 69,552,236 )
efek-efek yang securities
diperdagangkan
Efek yang dibeli dengan janji Securities purchased under
1,457,786,087,500 1,795,183,426,500
dijual kembali agreement to resale
Pinjaman yang diberikan Loans
Pinjaman yang diberikan Loans third parties
1,186,355,579,321 617,056,483,360
pihak ketiga
Pinjaman yang diberikan Loans related parties
297,579,365,502 211,192,888,027
pihak berelasi
Cadangan kerugian Allowance for impairment
penurunan nilai pada ( 83,658,238,150 ) ( 6,522,368,642 ) losses for loans
pinjaman yang diberikan
Pajak dibayar dimuka 341,118,204 Prepaid taxes
Aset pajak tangguhan 1,193,454,829 1,193,454,829 Deferred tax assets
Aset takberwujud selain Intangible assets other than
1,748,663,202 2,493,365,741
goodwill goodwill
Aset tetap Property, plant, and
191,244,545,252 178,382,138,049
equipment
Aset lainnya 67,698,216,444 30,784,786,582 Other assets
Jumlah aset 3,421,535,585,653 3,313,589,745,696 Total assets
Liabilitas, dana syirkah Liabilities, temporary syirkah
temporer dan ekuitas funds and equity
Liabilitas Liabilities
Liabilitas segera Obligations due
14,666,427,026 6,525,023,284
immediately
Simpanan nasabah Customers deposits
Giro Current accounts
Giro pihak ketiga Current accounts
4,052,123,783 8,259,944,393
third parties
Giro pihak berelasi Current accounts
4,634,415,590 1,778,796,011
related parties
Tabungan Savings
Tabungan pihak Savings third
9,769,247,928 13,707,933,586
ketiga parties
Tabungan pihak Savings related
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berelasi 1,753,933,837 3,678,989,495 parties
Deposito berjangka Time deposits
Deposito berjangka Time deposits third
59,405,484,918 165,973,587,059
pihak ketiga parties
Deposito berjangka Time deposits
149,021,690,652 39,907,634,765
pihak berelasi related parties
Utang pajak 4,308,620,255 1,836,363,764 Taxes payable
Liabilitas lainnya 6,245,214,106 340,474,332 Other liabilities
Kewajiban imbalan pasca Post-employment benefit
6,995,345,101 6,239,839,743
kerja obligations
Jumlah liabilitas 260,852,503,196 248,248,586,432 Total liabilities
Ekuitas Equity
Ekuitas yang Equity attributable to
diatribusikan kepada equity owners of parent
pemilik entitas induk entity
Saham biasa 367,472,330,100 330,725,097,300 Common stocks
Tambahan modal Additional paid-in
2,223,685,942,304 2,226,140,762,994
disetor capital
Uang muka setoran Advances in capital
36,747,232,800
modal stock
Cadangan revaluasi 147,662,219,863 147,662,219,863 Revaluation reserves
Cadangan keuntungan Reserve of gains
(kerugian) investasi (losses) from
( 4,839,326,024 ) ( 4,839,326,025 )
pada instrumen ekuitas investments in equity
instruments
Saldo laba Retained earnings
(akumulasi kerugian) (deficit)
Saldo laba yang Appropriated
telah ditentukan retained earnings
penggunaanya
Cadangan General and
73,544,466,020 66,195,019,460
umum dan wajib legal reserves
Saldo laba yang Unappropriated
belum ditentukan 353,157,450,194 262,710,152,872 retained earnings
penggunaannya
Jumlah ekuitas yang Total equity
diatribusikan kepada attributable to equity
3,160,683,082,457 3,065,341,159,264
pemilik entitas induk owners of parent
entity
Jumlah ekuitas 3,160,683,082,457 3,065,341,159,264 Total equity
Jumlah liabilitas, dana Total liabilities, temporary
syirkah temporer dan 3,421,535,585,653 3,313,589,745,696 syirkah funds and equity
ekuitas
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[4312000] Statement of profit or loss and other comprehensive income, OCI
components presented net of tax, by nature - Financial and Sharia Industry
Laporan laba rugi dan penghasilan Statement of profit or loss and other
komprehensif lain comprehensive income
30 September 2023 30 September 2022
Pendapatan dan beban Operating income and
operasional expenses
Pendapatan bunga 276,387,589,954 116,128,086,104 Interest income
Beban bunga ( 4,558,517,252 ) ( 17,553,972,220 ) Interest expenses
Pendapatan operasional Other operating income
lainnya
Pendapatan provisi dan Provisions and
komisi dari transaksi commissions income from
247,707,279 979,212,297
lainnya selain kredit transactions other than
loan
Pendapatan operasional Other operating income
1,172,033,838 1,290,585,194
lainnya
Pemulihan penyisihan Recovery of impairment
kerugian penurunan nilai loss
Pemulihan penyisihan Recovery of impairment
kerugian penurunan nilai loss of financial assets
( 77,150,607,377 )
aset keuangan - piutang consumer financing
pembiayaan konsumen receivables
Beban operasional lainnya Other operating expenses
Beban umum dan General and
( 29,536,048,702 ) ( 8,390,488,097 )
administrasi administrative expenses
Beban operasional Other operating
( 41,278,215,043 ) ( 14,188,330,099 )
lainnya expenses
Jumlah laba operasional 125,283,942,697 78,265,093,179 Total profit from operation
Pendapatan dan beban bukan Non-operating income and
operasional expense
Pendapatan bukan Non-operating income
217,063,999 6,021,244
operasional
Beban bukan operasional ( 120,565,820 ) ( 279,569,382 ) Non-operating expenses
Jumlah laba (rugi) sebelum Total profit (loss) before tax
125,380,440,876 77,991,545,041
pajak penghasilan
Pendapatan (beban) pajak ( 27,583,696,992 ) ( 17,158,139,910 ) Tax benefit (expenses)
Jumlah laba (rugi) dari operasi Total profit (loss) from
97,796,743,884 60,833,405,131
yang dilanjutkan continuing operations
Jumlah laba (rugi) 97,796,743,884 60,833,405,131 Total profit (loss)
Jumlah laba rugi komprehensif 97,796,743,884 60,833,405,131 Total comprehensive income
Laba (rugi) yang dapat Profit (loss) attributable to
diatribusikan
Laba (rugi) yang dapat Profit (loss) attributable to
97,796,743,884 60,833,405,131
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 97,796,743,884 60,833,405,131 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
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dasar dari operasi yang 27 12 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 keuntungan Saldo laba yang belum Ekuitas yang dapat
Uang muka setoran ditentukan
Saham biasa Tambahan modal disetor Cadangan revaluasi (kerugian) investasi ditentukan diatribusikan kepada Ekuitas
modal penggunaannya-cadangan
pada instrumen ekuitas penggunaannya entitas induk
umum dan wajib
Reserve of gains (losses) Appropriated retained
Unappropriated retained Equity attributable to
Common stocks Additional paid-in capital Advances in capital stock Revaluation reserves from investments in earnings-general and legal Equity
earnings parent entity
equity instruments reserves
Posisi ekuitas Equity position
Saldo awal periode sebelum penyajian kembali Balance before restatement at beginning of
330,725,097,300 2,226,140,762,994 36,747,232,800 147,662,219,863 ( 4,839,326,024 ) 66,195,019,460 262,710,152,870 3,065,341,159,263 3,065,341,159,263
period
Penyesuaian Adjustments
Penyesuaian lainnya ( 2,454,820,690 ) ( 2,454,820,690 ) ( 2,454,820,690 ) Other adjustments
Posisi ekuitas, awal periode 330,725,097,300 2,223,685,942,304 36,747,232,800 147,662,219,863 ( 4,839,326,024 ) 66,195,019,460 262,710,152,870 3,062,886,338,573 3,062,886,338,573 Equity position, beginning of the period
Laba (rugi) 97,796,743,884 97,796,743,884 97,796,743,884 Profit (loss)
Pendapatan komprehensif lainnya 0 0 Other comprehensive income
Penjabaran laporan keuangan 0 0 Translation adjustment
Pembentukan cadangan umum 7,349,446,560 ( 7,349,446,560 ) 0 0 Allocation for general reserves
Pembentukan cadangan khusus 0 0 Allocation for specific reserves
Penerbitan saham biasa 0 Issuance of common stocks
Penerbitan saham preferen 0 Issuance of preferred stocks
Penerbitan instrumen yang dapat dikonversi 0 Issuance of convertible instruments
Kenaikan (penurunan) ekuitas melalui transaksi Increase (decrease) in equity through treasury
0
saham tresuri stock transactions
Kenaikan (penurunan) ekuitas melalui transaksi Increase (decrease) in equity through
0
pembayaran berbasis saham share-based payment transactions
Pelaksanaan instrumen yang dapat dikonversi 0 Exercise of convertible instruments
Pelaksanaan waran 0 Exercise of warrants
Kenaikan (penurunan) ekuitas melalui transaksi Increase (decrease) in equity through
0
dengan pemilik ekuitas transactions with owner's equity
Setoran modal dari kepentingan non-pengendali 36,747,232,800 ( 36,747,232,800 ) 0 0 Stock subscription from non-controlling interests
Perubahan kepentingan non-pengendali atas Changes in non-controlling interests due to
0
akuisisi entitas anak acquisition of subsidiaries
Perubahan kepentingan non-pengendali atas Changes in non-controlling interests due to
0
pendirian entitas anak establishment of subsidiaries
Perubahan kepentingan non-pengendali atas Changes in non-controlling interests due to other
transaksi lainnya dengan kepentingan 0 transactions with non-controlling interests
non-pengendali
Pelaksanaan opsi saham 0 Stock options exercised
Saldo penyesuaian dampak penerapan Retrospective adjustment of PSAK
0
retrospektif atas PSAK implementation
Transaksi ekuitas lainnya 0 0 Other equity transactions
Posisi ekuitas, akhir periode 367,472,330,100 2,223,685,942,304 0 147,662,219,863 ( 4,839,326,024 ) 73,544,466,020 353,157,450,194 3,160,683,082,457 3,160,683,082,457 Equity position, end of the period
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[4410000] Statement of changes in equity - Financial and Sharia Industry - Prior Year
30 September 2022
Laporan perubahan ekuitas Statement of changes in equity
Cadangan keuntungan Saldo laba yang telah
Saldo laba yang belum Ekuitas yang dapat
(kerugian) investasi ditentukan
Saham biasa Tambahan modal disetor Cadangan revaluasi ditentukan diatribusikan kepada Ekuitas
pada instrumen penggunaannya-cadangan
penggunaannya entitas induk
ekuitas umum dan wajib
Reserve of gains
Appropriated retained
(losses) from Unappropriated retained Equity attributable to
Common stocks Additional paid-in capital Revaluation reserves earnings-general and legal Equity
investments in equity earnings parent entity
reserves
instruments
Posisi ekuitas Equity position
Saldo awal periode sebelum penyajian kembali Balance before restatement at beginning of
302,652,940,500 1,381,913,945,506 137,037,209,663 ( 4,990,534,435 ) 60,580,588,100 192,322,777,627 2,069,516,926,961 2,069,516,926,961
period
Penyesuaian Adjustments
Penyesuaian lainnya 6,558,300,000 ( 395,627,036 ) ( 4,267,152,397 ) 1,895,520,567 1,895,520,567 Other adjustments
Posisi ekuitas, awal periode 302,652,940,500 1,381,913,945,506 143,595,509,663 ( 5,386,161,471 ) 60,580,588,100 188,055,625,230 2,071,412,447,528 2,071,412,447,528 Equity position, beginning of the period
Laba (rugi) 60,833,405,131 60,833,405,131 60,833,405,131 Profit (loss)
Pembentukan cadangan umum 5,614,431,360 5,614,431,360 5,614,431,360 Allocation for general reserves
Setoran modal dari kepentingan Stock subscription from non-controlling
28,072,156,800 28,072,156,800 28,072,156,800
non-pengendali interests
Transaksi ekuitas lainnya ( 30,357,323,152 ) ( 30,357,323,152 ) ( 30,357,323,152 ) Other equity transactions
Posisi ekuitas, akhir periode 330,725,097,300 1,351,556,622,354 143,595,509,663 ( 5,386,161,471 ) 66,195,019,460 248,889,030,361 2,135,575,117,667 2,135,575,117,667 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 263,274,416,472 116,128,086,104 income, fees and
komisi commissions received
Pembayaran bunga dan Payments Of Interest And
bonus, provisi dan komisi ( 4,563,278,359 ) ( 17,553,972,220 ) Bonus Fees And
Commissions
Pendapatan dari transaksi Income from other
1,424,525,401 4,216,560,491
operasional lainnya operating transactions
Penerimaan kembali aset Recoveries of written off
yang telah ( 13,293,612,452 ) assets
dihapusbukukan
Pembayaran atas beban Payments of finance costs
keuangan dan beban ( 11,231,968,744 ) and bank administration
administrasi bank charges
Pembayaran gaji dan Payments for salaries and
( 41,278,215,043 )
tunjangan allowances
Pembayaran pajak Payments for corporate
( 27,583,696,992 )
penghasilan badan income tax
Pembayaran beban umum Payments for general and
( 27,265,697,513 )
dan administrasi administrative expense
Pembayaran beban Payments for other
( 120,565,820 ) ( 17,437,709,292 )
operasional lainnya operating expenses
Penerimaan pendapatan Receipts from
606,919,927 6,021,244
non-operasional non-operating income
Penurunan (kenaikan) aset Decrease (increase) in
operasi operating assets
Penurunan (kenaikan) Decrease (increase) in
efek yang dibeli dengan 327,555,538,902 ( 205,755,436,719 ) securities purchased
janji dijual kembali under resale agreements
Penurunan (kenaikan) Decrease (increase) in
wesel ekspor dan tagihan ( 23,967,181,320 ) bills and other receivables
lainnya
Penurunan (kenaikan) Decrease (increase) in
( 655,685,573,437 ) 58,655,607,667
pinjaman yang diberikan loans
Penurunan (kenaikan) Decrease (increase) in
( 3,489,650,647 )
aset lainnya other assets
Kenaikan (penurunan) Increase (decrease) in
liabilitas operasi operating liabilities
Kenaikan (penurunan) Increase (decrease) in
liabilitas segera 11,892,808,344 1,715,023,053 obligations due
immediately
Kenaikan (penurunan) giro Increase (decrease) in
dan tabungan simpanan ( 2,442,576,445 ) 298,300,082,206 current accounts and
nasabah customers savings
Kenaikan (penurunan) Increase (decrease) in
simpanan dari bank lain ( 500,000,000 ) other banks saving
deposits
Kenaikan (penurunan) Increase (decrease) in
Page 11
liabilitas lainnya 2,617,929,124 ( 4,640,198,482 ) other liabilities
Jumlah arus kas bersih Total net cash flows
yang diperoleh dari received from (used in)
( 96,071,292,359 ) 205,118,832,209
(digunakan untuk) aktivitas operating activities
operasi
Arus kas dari aktivitas Cash flows from investing
investasi activities
Penerimaan dari penjualan Proceeds from disposal
(perolehan) aset tetap ( 14,020,811,872 ) ( 7,928,987,363 ) (acquisition) of property and
equipment
Penerimaan (pengeluaran) Other cash inflows (outflows)
kas lainnya dari aktivitas ( 537,165,394 ) from investing activities
investasi
Jumlah arus kas bersih Total net cash flows
yang diperoleh dari received from (used in)
( 14,020,811,872 ) ( 8,466,152,757 )
(digunakan untuk) aktivitas investing activities
investasi
Arus kas dari aktivitas Cash flows from financing
pendanaan activities
Penerimaan setoran modal Proceeds from capital
( 2,454,820,690 )
contributions
Penjualan (pembelian) dari Sales (purchase) of treasury
( 2,285,166,352 )
saham tresuri stocks
Jumlah arus kas bersih Total net cash flows
yang diperoleh dari received from (used in)
( 2,454,820,690 ) ( 2,285,166,352 )
(digunakan untuk) aktivitas financing activities
pendanaan
Jumlah kenaikan (penurunan) Total net increase (decrease)
( 112,546,924,921 ) 194,367,513,100
bersih kas dan setara kas in cash and cash equivalents
Kas dan setara kas arus kas, Cash and cash equivalents cash
304,205,005,844 118,243,795,338
awal periode flows, beginning of the period
Kas dan setara kas arus kas, Cash and cash equivalents
191,658,080,923 312,611,308,438
akhir periode cash flows, end of the period
Page 12
[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
Penambahan aset Pengurangan aset
Aset tetap, awal periode Revaluasi aset tetap Aset tetap, akhir periode
tetap tetap
Property, plant, and
Addition in property, Disposals in property, Revaluation of property, Property, plant, and
equipment, beginning
plant, and equipment plant, and equipment plant, and equipment equipment, end period
period
Nilai perolehan, kotor Tanah, dimiliki langsung 171,066,000,000 12,144,000,000 183,210,000,000 Land, directly owned Carrying amount, gross
Bangunan dan Building and leasehold
fasilitasnya, dimiliki 11,173,769,467 1,341,792,782 ( 11,500,000 ) 12,504,062,249 improvement, directly
langsung owned
Mesin dan peralatan, Machinery and
dimiliki langsung 0 equipment, directly
owned
Alat berat, dimiliki Heavy equipment,
0
langsung directly owned
Alat pengangkutan, Transportation
dimiliki langsung 0 equipment, directly
owned
Perabot dan peralatan Furniture and office
kantor, dimiliki langsung 4,103,941,981 933,469,088 ( 699,767,153 ) 4,337,643,916 equipment, directly
owned
Kendaraan bermotor, Motor vehicle, directly
3,324,045,999 ( 713,140,000 ) 2,610,905,999
dimiliki langsung owned
Pesawat, dimiliki Aircraft, directly owned
0
langsung
Kapal, dimiliki langsung 0 Vessels, directly owned
Lainnya, dimiliki Others, directly owned
0
langsung
Dimiliki langsung 189,667,757,447 2,275,261,870 ( 1,424,407,153 ) 12,144,000,000 202,662,612,164 Directly owned
Aset tetap Property, plant, and
189,667,757,447 2,275,261,870 ( 1,424,407,153 ) 12,144,000,000 202,662,612,164
equipment
Akumulasi depresiasi Bangunan dan Building and leasehold Carrying amount,
fasilitasnya, dimiliki 6,261,825,668 438,300,781 ( 6,232,352 ) 6,693,894,097 improvement, directly accumulated
langsung owned depreciation
Mesin dan peralatan, Machinery and
dimiliki langsung 0 equipment, directly
Page 14
owned
Alat berat, dimiliki Heavy equipment,
0
langsung directly owned
Alat pengangkutan, Transportation
dimiliki langsung 0 equipment, directly
owned
Perabot dan peralatan Furniture and office
kantor, dimiliki langsung 3,775,175,925 380,397,926 ( 700,333,470 ) 3,455,240,381 equipment, directly
owned
Kendaraan bermotor, Motor vehicle, directly
1,248,617,805 343,515,749 ( 323,201,120 ) 1,268,932,434
dimiliki langsung owned
Pesawat, dimiliki Aircraft, directly owned
0
langsung
Kapal, dimiliki langsung 0 Vessels, directly owned
Lainnya, dimiliki Others, directly owned
0
langsung
Dimiliki langsung 11,285,619,398 1,162,214,456 ( 1,029,766,942 ) 11,418,066,912 Directly owned
Aset tetap Property, plant, and
11,285,619,398 1,162,214,456 ( 1,029,766,942 ) 11,418,066,912
equipment
Nilai perolehan Aset tetap Property, plant, and Carrying amount
178,382,138,049 191,244,545,252
equipment
Page 15
[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
Penambahan aset Pengurangan aset
Aset tetap, awal periode Revaluasi aset tetap Aset tetap, akhir periode
tetap tetap
Property, plant, and
Addition in property, Disposals in property, Revaluation of property, Property, plant, and
equipment, beginning
plant, and equipment plant, and equipment plant, and equipment equipment, end period
period
Nilai perolehan, kotor Tanah, dimiliki langsung 163,779,000,000 7,287,000,000 171,066,000,000 Land, directly owned Carrying amount, gross
Bangunan dan Building and leasehold
fasilitasnya, dimiliki 10,603,789,467 569,980,000 11,173,769,467 improvement, directly
langsung owned
Mesin dan peralatan, Machinery and
dimiliki langsung 0 equipment, directly
owned
Alat berat, dimiliki Heavy equipment,
0
langsung directly owned
Alat pengangkutan, Transportation
dimiliki langsung 0 equipment, directly
owned
Perabot dan peralatan Furniture and office
kantor, dimiliki langsung 4,952,672,906 339,611,541 ( 1,188,342,466 ) 4,103,941,981 equipment, directly
owned
Kendaraan bermotor, Motor vehicle, directly
3,570,016,356 1,234,406,000 ( 1,480,376,357 ) 3,324,045,999
dimiliki langsung owned
Pesawat, dimiliki Aircraft, directly owned
0
langsung
Kapal, dimiliki langsung 0 Vessels, directly owned
Lainnya, dimiliki Others, directly owned
0
langsung
Dimiliki langsung 182,905,478,729 2,143,997,541 ( 2,668,718,823 ) 7,287,000,000 189,667,757,447 Directly owned
Aset tetap Property, plant, and
182,905,478,729 2,143,997,541 ( 2,668,718,823 ) 7,287,000,000 189,667,757,447
equipment
Akumulasi depresiasi Bangunan dan Building and leasehold Carrying amount,
fasilitasnya, dimiliki 5,728,271,612 533,554,056 6,261,825,668 improvement, directly accumulated
langsung owned depreciation
Mesin dan peralatan, Machinery and
dimiliki langsung 0 equipment, directly
Page 16
owned
Alat berat, dimiliki Heavy equipment,
0
langsung directly owned
Alat pengangkutan, Transportation
dimiliki langsung 0 equipment, directly
owned
Perabot dan peralatan Furniture and office
kantor, dimiliki langsung 4,763,531,662 197,390,209 ( 1,185,745,946 ) 3,775,175,925 equipment, directly
owned
Kendaraan bermotor, Motor vehicle, directly
1,127,519,488 902,906,964 ( 781,808,647 ) 1,248,617,805
dimiliki langsung owned
Pesawat, dimiliki Aircraft, directly owned
0
langsung
Kapal, dimiliki langsung 0 Vessels, directly owned
Lainnya, dimiliki Others, directly owned
0
langsung
Dimiliki langsung 11,619,322,762 1,633,851,229 ( 1,967,554,593 ) 11,285,619,398 Directly owned
Aset tetap Property, plant, and
11,619,322,762 1,633,851,229 ( 1,967,554,593 ) 11,285,619,398
equipment
Nilai perolehan Aset tetap Property, plant, and Carrying amount
171,286,155,967 178,382,138,049
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
Pinjaman berdasarkan mata uang dan pihak Loans by currencies and
parties
30 September 31 December
2023 2022
Total pinjaman, kotor Total pinjaman, kotor
Total loans, gross Total loans, gross
Pinjaman Pihak berelasi Rupiah 297,579,365,502 211,192,888,027 Rupiah Related parties Conventional loans
konvensional Subtotal Seluruh Mata Subtotal on all
297,579,365,502 211,192,888,027
Uang Currencies
Pihak ketiga Rupiah 1,186,355,579,321 617,056,483,360 Rupiah Third parties
Subtotal Seluruh Mata Subtotal on all
1,186,355,579,321 617,056,483,360
Uang Currencies
Subtotal Seluruh Subtotal Seluruh Mata Rupiah Subtotal on all
1,483,934,944,823 828,249,371,387
Pihak Uang Currencies
Subtotal Seluruh Rupiah 1,483,934,944,823 828,249,371,387 Rupiah Subtotal on all
Pihak Subtotal Seluruh Parties Subtotal on all
1,483,934,944,823 828,249,371,387
Mata Uang Currencies
Total pinjaman berdasarkan mata uang dan pihak Total loans by currencies and parties
30 September 2023 31 December 2022
Total pinjaman, kotor 1,483,934,944,823 828,249,371,387 Total loans, gross
Cadangan kerugian penurunan nilai pada pinjaman yang Allowance for impairment losses for loans
( 83,658,238,150 ) ( 6,522,368,642 )
diberikan
Total pinjaman, bersih 1,400,276,706,673 821,727,002,745 Total loans, net
Page 19
[4612100a] Notes to the financial statements - Loans and Sharia receivables/financing - by type - Financial and Sharia Industry
30 September 2023
Pinjaman berdasarkan tipe Loans by type
Total pinjaman, kotor
Total loans, gross
Total Loans by
Current Special mention Substandard Doubtful Loss
collectibility
Dalam perhatian Jumlah Pinjaman
Lancar Kurang lancar Diragukan Macet
khusus berdasarkan kolektibilitas
Rupiah Modal kerja 439,664,603,946 2,964,995,735 442,629,599,681 Working capital Rupiah
Investasi 86,721,875,555 1,038,691,289 629,121,197 88,389,688,041 Investment
Sindikasi 0 Syndicated
Program pemerintah Government
0
programs
Karyawan 0 Employee
Ekspor 0 Export
Subtotal pinjaman Others, subtotal
0
lainnya loans
Konsumen 844,316,388,147 70,073,736,857 10,279,783,794 20,422,398,003 7,823,350,300 952,915,657,101 Consumer
Subtotal Pinjaman Subtotal Loans by
1,370,702,867,648 74,077,423,881 10,279,783,794 20,422,398,003 8,452,471,497 1,483,934,944,823
berdasarkan tipe type
Subtotal Seluruh Subtotal Pinjaman Subtotal Loans by Subtotal on all
1,370,702,867,648 74,077,423,881 10,279,783,794 20,422,398,003 8,452,471,497 1,483,934,944,823
Mata Uang berdasarkan tipe 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 1,370,702,867,648 74,077,423,881 10,279,783,794 20,422,398,003 8,452,471,497 1,483,934,944,823 Total loans, gross
Cadangan kerugian Allowance for impairment
penurunan nilai pada ( 19,198,300,551 ) ( 39,708,530,341 ) ( 9,779,287,709 ) ( 14,704,544,797 ) ( 267,574,752 ) ( 83,658,238,150 ) losses for loans
pinjaman yang diberikan
Total pinjaman, bersih 1,351,504,567,097 34,368,893,540 500,496,085 5,717,853,206 8,184,896,745 1,400,276,706,673 Total loans, net
Page 20
31 December 2022
Pinjaman berdasarkan tipe Loans by type
Total pinjaman, kotor
Total loans, gross
Total Loans by
Current Special mention Substandard Doubtful Loss
collectibility
Jumlah Pinjaman
Lancar Dalam perhatian khusus Kurang lancar Diragukan Macet
berdasarkan kolektibilitas
Rupiah Modal kerja 386,745,826,235 3,267,521,590 390,013,347,825 Working capital Rupiah
Investasi 89,841,760,965 1,132,682,819 4,853,926,781 95,828,370,565 Investment
Sindikasi 0 Syndicated
Program pemerintah Government
0
programs
Karyawan 0 Employee
Ekspor 0 Export
Subtotal pinjaman Others, subtotal
0
lainnya loans
Konsumen 313,837,798,679 18,212,692,673 8,621,596,559 1,735,565,086 342,407,652,997 Consumer
Subtotal Pinjaman Subtotal Loans by
790,425,385,879 22,612,897,082 8,621,596,559 4,853,926,781 1,735,565,086 828,249,371,387
berdasarkan tipe type
Subtotal Seluruh Subtotal Pinjaman Subtotal Loans by Subtotal on all
790,425,385,879 22,612,897,082 8,621,596,559 4,853,926,781 1,735,565,086 828,249,371,387
Mata Uang berdasarkan tipe 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 790,425,385,879 22,612,897,082 8,621,596,559 4,853,926,781 1,735,565,086 828,249,371,387 Total loans, gross
Cadangan kerugian Allowance for impairment
penurunan nilai pada ( 388,207,749 ) ( 1,117,508,581 ) ( 2,114,299,003 ) ( 1,305,360,255 ) ( 1,596,993,054 ) ( 6,522,368,642 ) losses for loans
pinjaman yang diberikan
Total pinjaman, bersih 790,037,178,130 21,495,388,501 6,507,297,556 3,548,566,526 138,572,032 821,727,002,745 Total loans, net
Page 21
[4613100a] Notes to the financial statements - Loans and Sharia receivables/financing - by Economic Sector - Financial and Sharia Industry
30 September 2023
Pinjaman berdasarkan sektor ekonomi Loans by economic sector
Total pinjaman, kotor
Total loans, gross
Total Loans by
Current Special mention Substandard Doubtful Loss
collectibility
Dalam perhatian Jumlah Pinjaman
Lancar Kurang lancar Diragukan Macet
khusus berdasarkan kolektibilitas
Rupiah Perindustrian 55,947,457,615 0 55,947,457,615 Manufacturing Rupiah
Perdagangan, Trading, restaurants
104,184,549,621 2,650,414,096 106,834,963,717
restoran dan hotel and hotels
Pertanian 0 0 Agriculture
Jasa dunia usaha 0 0 Business services
Konstruksi 275,480,827,313 1,353,272,928 276,834,100,241 Construction
Pengangkutan, Transportation,
pergudangan dan 0 629,121,197 629,121,197 warehousing and
komunikasi communications
Listrik, gas dan air Electricity, gas and
0 0
water
Jasa sosial 1,215,461,490 0 1,215,461,490 Social services
Pertambangan 655,248,435 0 655,248,435 Mining
Properti 87,152,935,027 0 87,152,935,027 Property
Lain-lain 846,066,388,147 70,073,736,857 10,279,783,794 20,422,398,003 7,823,350,300 954,665,657,101 Other sectors
Subtotal Pinjaman Subtotal Loans by
berdasarkan sektor 1,370,702,867,648 74,077,423,881 10,279,783,794 20,422,398,003 8,452,471,497 1,483,934,944,823 economic sector
ekonomi
Subtotal Subtotal Pinjaman Subtotal Loans by Subtotal on all
Seluruh Mata berdasarkan sektor 1,370,702,867,648 74,077,423,881 10,279,783,794 20,422,398,003 8,452,471,497 1,483,934,944,823 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
Page 22
Lancar Dalam perhatian khusus Kurang lancar Diragukan Macet berdasarkan kolektibilitas
Total pinjaman, kotor 1,370,702,867,648 74,077,423,881 10,279,783,794 20,422,398,003 8,452,471,497 1,483,934,944,823 Total loans, gross
Cadangan kerugian Allowance for impairment
penurunan nilai pada ( 19,198,300,551 ) ( 39,708,530,341 ) ( 9,779,287,709 ) ( 14,704,544,797 ) ( 267,574,752 ) ( 83,658,238,150 ) losses for loans
pinjaman yang diberikan
Total pinjaman, bersih 1,351,504,567,097 34,368,893,540 500,496,085 5,717,853,206 8,184,896,745 1,400,276,706,673 Total loans, net
31 December 2022
Pinjaman berdasarkan sektor ekonomi Loans by economic sector
Total pinjaman, kotor
Total loans, gross
Total Loans by
Current Special mention Substandard Doubtful Loss
collectibility
Jumlah Pinjaman
Dalam perhatian
Lancar Kurang lancar Diragukan Macet berdasarkan
khusus
kolektibilitas
Rupiah Perindustrian 56,124,866,101 56,124,866,101 Manufacturing Rupiah
Perdagangan, Trading, restaurants
128,586,826,448 128,586,826,448
restoran dan hotel and hotels
Pertanian 0 Agriculture
Jasa dunia usaha 0 Business services
Konstruksi 47,291,663,221 1,132,682,819 48,424,346,040 Construction
Pengangkutan, Transportation,
pergudangan dan 685,747,981 685,747,981 warehousing and
komunikasi communications
Listrik, gas dan air Electricity, gas and
0
water
Jasa sosial 168,597,285,341 3,267,521,590 4,168,178,800 176,032,985,731 Social services
Pertambangan 7,205,710,176 7,205,710,176 Mining
Properti 68,781,235,913 68,781,235,913 Property
Lain-lain 313,837,798,679 18,212,692,673 8,621,596,559 1,735,565,086 342,407,652,997 Other sectors
Subtotal Pinjaman Subtotal Loans by
berdasarkan sektor 790,425,385,879 22,612,897,082 8,621,596,559 4,853,926,781 1,735,565,086 828,249,371,387 economic sector
ekonomi
Subtotal Seluruh Subtotal Pinjaman Subtotal Loans by Subtotal on all
Mata Uang berdasarkan sektor 790,425,385,879 22,612,897,082 8,621,596,559 4,853,926,781 1,735,565,086 828,249,371,387 economic sector Currencies
ekonomi
Page 23
31 December 2022
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 790,425,385,879 22,612,897,082 8,621,596,559 4,853,926,781 1,735,565,086 828,249,371,387 Total loans, gross
Cadangan kerugian Allowance for impairment
penurunan nilai pada ( 388,207,749 ) ( 1,117,508,581 ) ( 2,114,299,003 ) ( 1,305,360,255 ) ( 1,596,993,054 ) ( 6,522,368,642 ) losses for loans
pinjaman yang diberikan
Total pinjaman, bersih 790,037,178,130 21,495,388,501 6,507,297,556 3,548,566,526 138,572,032 821,727,002,745 Total loans, net
Page 24
[4614100] Notes to the financial statements - Loans and Sharia
receivables/financing - Other Information - Financial and Sharia Industry
Informasi penting lainnya Loans other information
30 September 2023 31 December 2022
Tingkat suku bunga Annual yield rate of rupiah
18.49 18.49
rata-rata per tahun rupiah loans
Cadangan kerugian Allowance for impairment of
6,522,368,642 7,720,369,619
penurunan nilai, awal periode losses, beginning period
Pembentukan selama tahun Provision during the year of
berjalan 77,135,869,508 ( 1,198,000,977 ) allowance for impairment
losses on loans
Cadangan kerugian Allowance for impairment
83,658,238,150 6,522,368,642
penurunan nilai, akhir periode of losses, ending period
Non-performing financing - Non-performing financing -
1.07 1.84
gross gross
Non-performing financing - Non-performing financing -
1.01 1.23
net 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 4,634,415,590 1,778,796,011 Rupiah Related parties Current accounts
Subtotal Seluruh Subtotal on all
4,634,415,590 1,778,796,011
Mata Uang Currencies
Pihak ketiga Rupiah 4,052,123,783 8,259,944,394 Rupiah Third
Subtotal Seluruh Subtotal on all parties
4,052,123,783 8,259,944,394
Mata Uang Currencies
Subtotal Seluruh Subtotal Seluruh Subtotal on all Subtotal on all
8,686,539,373 10,038,740,405
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 1,753,933,837 3,678,989,495 Rupiah Related parties Savings deposits
Subtotal Seluruh Subtotal on all
1,753,933,837 3,678,989,495
Mata Uang Currencies
Pihak ketiga Rupiah 9,769,247,928 13,707,933,586 Rupiah Third
Subtotal Seluruh Subtotal on all parties
9,769,247,928 13,707,933,586
Mata Uang Currencies
Subtotal Seluruh Subtotal Seluruh Subtotal on all Subtotal on all
11,523,181,765 17,386,923,081
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 149,021,690,652 39,907,634,765 Rupiah Related parties Time deposits
Subtotal Seluruh Subtotal on all
149,021,690,652 39,907,634,765
Mata Uang Currencies
Pihak ketiga Rupiah 59,405,484,918 165,973,587,059 Rupiah Third
Subtotal Seluruh Subtotal on all parties
59,405,484,918 165,973,587,059
Mata Uang Currencies
Subtotal Seluruh Subtotal Seluruh Subtotal on all Subtotal on all
208,427,175,570 205,881,221,824
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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