Back to announcement
20231031_BSWD_Penyampaian Bukti Iklan_31483390_lamp4.pdf
Other Text extracted BSWDSource file signed link, expires in 15 minutes
Extracted text 15
Page 1
PT BANK OF INDIA INDONESIA TBK FINANCIAL STATEMENTS
AS OF 30 SEPTEMBER 2023 AND 30 SEPTEMBER 2022 (UNAUDITED)
HEAD OFFICE
Jl. K.H. Samanhudi No. 37. Jakarta, Telp. : 021-3500007 (Hunting), Fax : 021 - 3808178,
Website : www.boiindonesia.co.id, Email : corporate@boiindonesia.co.id. Share Code : BSWD, SWIFT BKIDIDJA.
BRANCH OFFICE
Samanhudi : Jl. Samanhudi No. 37 Jakarta Pusat 10710
Mangga Dua : Wisma Eka Jiwa Jl. Arteri Mangga Dua Raya Blok RM No. 17 Mangga Dua Selatan Jakarta 10730
Bandung : Jalan Veteran No. 49 Bandung
Tunjungan : Jalan Tunjungan No. 32 Surabaya Jawa Timur
Coklat : Jalan Coklat No. 20-22 Surabaya 60161
Denpasar : Ruko Indah Blok 27 Jalan Diponegoro No. 135-137
Medan : Jalan H. Zainul Arifin No. 55-C/31
Makassar : Jalan Ujung Pandang (Ex. Taman Bahari) No. 13
SUB-BRANCH OFFICE
Kelapa Gading : Graha KNS, Jl Raya Boulevard Barat Blok XC 5-6 Kelapa Gading Jakarta Utara 14240
Sunter : Jalan Danau Sunter Utara (Komplek Sunter Garden) Blok D-1 Kav. 12-13 No. 3 Jakarta Utara 14350
Kramat Jati : Jalan Raya Bogor KM 21 No. 18 Kramat Jati Jakarta Timur 13830
MD Place : MD Place Tower 2 Jalan Setiabudi Selatan No. 7 Jakarta Selatan
Ngagel : Jalan Ngagel Jaya Selatan No. 169-A Surabaya 60284
Wiyung : Ruko Taman Pondok Indah Blok A-37 Jalan Raya Menganti 211
CASH OFFICE
Gandhi National School : Jalan Pangandaran IX Blok B4 Ancol Barat Jakarta Utara
Gandhi Memorial Intercontinental
: Jalan H.B.R Motik - Blok D.6 No. 1 Kemayoran Jakarta Pusat
School (GMIS)
Page 2
PT BANK OF INDIA INDONESIA TBK
STATEMENTS OF FINANCIAL POSITION
AS OF 30 SEPTEMBER 2023 & 31 DECEMBER 2022
(In millions of Rupiah)
No. ACCOUNTS 30 SEP 2023 31 DEC 2022
ASSETS
1. Cash 13.471 14.605
2. Placements with Bank Indonesia 212.316 265.851
3. Placements with other banks 18.319 59.122
4. Spot and derivative/forward receivables 160 -
5. Securities 845.574 859.375
6. Securities sold under repurchase agreement (repo) - -
7. Securities purchased under resell agreements (reverse repo) 1.194.094 2.141.440
8. Acceptance receivables 5.140 -
9. Loans and financing 3.726.407 2.505.160
10. Sharia financing - -
11. Equity investment - -
12. Other financial assets 26.157 19.674
13. Impairment on financial assets -/-
a. Securities - -
b. Loans and Sharia financing 187.136 151.350
c. Others - -
14. Intangible assets 23.101 21.522
Accumulated amortization on intangible asset -/- 17.223 13.558
15. Fixed assets and equipment 154.119 152.912
Accumulated depreciation on fixed assets and equipment -/- 26.940 25.125
16. Non earning assets
a. Abandoned property - -
b. Foreclosed assets 128.874 158.554
c. Suspense accounts - -
d. Interbranch assets - -
17. Other assets 47.995 51.864
TOTAL ASSETS 6.164.428 6.060.046
No. ACCOUNTS 30 SEP 2023 31 DEC 2022
LIABILITIES
1. Current account 325.020 283.551
2. Saving account 170.719 122.913
3. Time deposit 2.247.772 1.966.075
4. Electronic money - -
5. Liabilities to Bank Indonesia - -
6. Liabilities to other banks 44 264.683
7. Spot and derivative/forward liabilities 211 -
8. Liabilities on securities sold under repurchase agreement (repo) - -
9. Acceptance liabilities 5.140 -
10. Issued securities - -
11. Loans/financing received - -
12. Margin deposit 737 732
13. Interbranch liabilities - -
14. Other liabilities 54.764 89.849
TOTAL LIABILITIES 2.804.407 2.727.803
EQUITIES
15. Paid in capital
a. Capital 2.200.000 690.000
b. Unpaid capital -/- 1.462.227 212.228
c. Treasury stock -/- - -
16. Additional paid in capital
a. Agio 2.895.154 1.858.670
b. Disagio -/- - -
c. Fund for paid up capital - 1.300.000
d. Others - -
17. Other comprehensive income
a. Gains 107.627 107.627
b. Losses -/- 2.209 2.209
18. Reserves
a. General reserves 20.000 20.000
b. Appropriated reserves - -
19. Gain/loss
a. Previous years (429.617) (446.207)
b. Current Year 31.293 16.590
c. Dividends paid -/- - -
TOTAL EQUITIES 3.360.021 3.332.243
TOTAL LIABILITIES AND EQUITIES 6.164.428 6.060.046
Page 3
PT BANK OF INDIA INDONESIA TBK
STATEMENTS OF PROFIT OR LOSS AND OTHER COMPREHENSIVE INCOME
FOR THE PERIODS ENDED 30 SEPTEMBER 2023 AND SEPTEMBER 2022
(In millions of Rupiah)
No. ACCOUNTS 30 SEP 2023 30 SEP 2022
OPERATIONAL INCOME AND EXPENSES
A. Interest income and expenses
1. Interest income 254.448 147.986
2. Interest expenses 67.969 49.861
Net interest income (expenses) 186.479 98.125
B. Other operational income and expenses
1. Gains (losses) from increase (decrease) fair value on financial assets 160 40
2. Gains (losses) from decrease (increase) fair value on financial liabilities - -
3. Gains (losses) on sale of financial assets 2.018 -
4. Gains (losses) on spot and derivatives/forward (realised) 5.936 98
5. Gains (losses) on investment under equity method - -
6. Gains (losses) from translation of foreign currency transactions (3.842) 1.736
7. Dividend income - -
8. Commission/provision/fee and administration income 6.846 1.544
9. Other income 4.888 809
10. Impairment for financial assets 91.565 22.580
11. Losses on operational risk - -
12. Personnel expenses 37.871 34.190
13. Promotion expenses 357 279
14. Others expenses 31.348 42.581
Net Other Operational Income (Expenses) (145.135) (95.403)
OPERATIONAL PROFIT (LOSS) 41.344 2.722
NON OPERATIONAL INCOME AND EXPENSES
1. Gains (losses) on sale of fixed assets and equipment 479 258
2. Other non operational income (expenses) (1.704) 9.378
NON OPERATIONAL PROFIT (LOSS) (1.225) 9.636
CURRENT PERIOD PROFIT (LOSS) BEFORE TAX 40.119 12.358
Income tax
a. Estimated current year tax 8.826 2.719
b. Deferred tax income (expenses) - -
NET PROFIT (LOSS) AFTER TAX 31.293 9.639
OTHER COMPREHENSIVE INCOME
1. Items that will not be reclassified to profit or loss
a. Revaluation surplus of fixed assets - -
b. Gains (losses) from actuary benefit program - -
c. Others - -
2. Items that will be reclassified to profit or loss
a. Gains (losses) arising from translation of financial statements in foreign currency - -
b. Gains (losses) from changes in fair value of financial assets - debt instruments
measured through other comprehensive income - -
c. Others - -
OTHER COMPREHENSIVE INCOME FOR THE PERIOD AFTER INCOME TAX - -
TOTAL COMPREHENSIVE PROFIT (LOSS) FOR THE PERIOD 31.293 9.639
Net Profit (Loss) Attributable To :
PARENT ENTITY 31.293 9.639
NON-CONTROLLING INTEREST
NET PROFIT (LOSS) FOR THE PERIOD 31.293 9.639
Total Comprehensive Profit (Loss) Attributable To :
PARENT ENTITY 31.293 9.639
NON-CONTROLLING INTEREST
TOTAL COMPREHENSIVE PROFIT (LOSS) FOR THE PERIOD 31.293 9.639
PROFIT/LOSS TRANSFER TO HEAD OFFICE - -
DIVIDEND - -
EARNINGS PER SHARE (in full amount) 8 7
Page 4
PT BANK OF INDIA INDONESIA TBK
STATEMENT OF COMMITMENTS & CONTINGENCIES
AS OF 30 SEPTEMBER 2023 AND 31 DECEMBER 2022
(In millions of Rupiah)
No. ACCOUNTS 30 SEP 2023 31 DEC 2022
I. COMMITTED RECEIVABLES
1. Unused borrowings/financing facilities - -
2. Foreign currency positions to be received from spot and derivatives/forward transactions 70.320 -
3. Others 70.500 65.755
II. COMMITTED LIABILITIES
1. Unused credit/financing facilities
a. Committed - -
b. Uncommitted 380.942 282.339
2. Outstanding irrevocable letters of credit 1.848 3.112
3. Foreign currency positions to be submitted for spot and derivatives/forward transactions 39.719 -
4. Others - -
III. CONTINGENT RECEIVABLES
1. Received guarantees - 32.121
2. Others 6.323 10.904
IV. CONTINGENT LIABILITIES
1. Issued guarantees 22.438 32.121
2. Others - 703
Page 5
PT BANK OF INDIA INDONESIA TBK
STATEMENT OF SPOT AND DERIVATIVE TRANSACTIONS
30 SEPTEMBER 2023
(In millions of Rupiah)
INDIVIDUAL
NO. TRANSACTION Notional Objectives Derivative Receivables and Payables
Amount Trading Hedging Receivables Payables
A. Related to Exchange Rate
1 Spot 51.506 - 51.506 160 36
2 Forward - - - -
3 Option
a. Put - - - - -
b. Call - - - - -
4 Future - - - - -
5 Swap 58.904 - 58.904 - 175
6 Others - - - - -
B. Related to Interest Rate
1 Forward - - - - -
2 Option
a. Put - - - - -
b. Call - - - - -
3 Future - - - - -
4 Swap - - - - -
5 Others - - - - -
C. Others - - - - -
TOTAL 110.410 - 110.410 160 211
Page 6
CALCULATION OF CAPITAL ADEQUACY RATIO / CAR
PT BANK OF INDIA INDONESIA TBK
AS OF 30 SEPTEMBER 2023 AND 30 SEPTEMBER 2022
(In millions of Rupiah)
CAPITAL COMPONENTS 30 Sep 2023 30 Sep 2022
I Tier 1 Capital 3.280.718 2.008.064
1 Common Equity Tier 1 (CET 1) 3.280.718 2.008.064
1.1 1.1. Paid-in Capital (After the deduction of treasury stock) 737.773 277.760
1.2 1.2. Disclosed Reserves 2.576.549 1.749.043
1.2.1 Addition Factor 3.054.074 2.200.408
1.2.1.1 Other comprehensive income 107.627 108.999
1.2.1.1.1 Translation of financial statements in foreign currency
Unrealized gain on financial assets measured through other
1.2.1.1.2 - -
comprehensive income
1.2.1.1.3 Revaluation surplus of fixed assets 107.627 108.999
1.2.1.2 Other disclosed reserve 2.946.447 2.091.409
1.2.1.2.1 Agio / Disagio 2.895.154 1.061.770
1.2.1.2.2 General Reserves 20.000 20.000
1.2.1.2.3 Previous year's profit
1.2.1.2.4 Current year's profit 31.293 9.639
1.2.1.2.5 Fund for paid-in capital - 1.000.000
1.2.1.2.6 Others - -
1.2.2 Deduction Factor (477.525) (451.365)
1.2.2.1 Other comprehensive income - -
1.2.2.1.1 Translation of financial statements in foreign currency
Unrealized loss on financial assets measured through other
1.2.2.1.2 - -
comprehensive account
1.2.2.2 Other disclosed reserve (477.525) (451.365)
1.2.2.2.1 Disagio
1.2.2.2.2 Previous year's losses (429.617) (446.207)
1.2.2.2.3 Current year's losses - -
Difference between allowance for possible losses and
1.2.2.2.4 - -
allowance for impairment losses on earning assets
Difference on the total of fair value adjustment from financial
1.2.2.2.5
instruments in trading book
Allowance for losses on non productive assets required to
1.2.2.2.6 (47.908) (5.158)
be provided
1.2.2.2.7 Others
1.3 Non-controlling interest - -
1.4 Deduction Factor of Common Equity Tier 1 (33.604) (18.739)
1.4.1 Deferred tax (27.725) (17.995)
1.4.2 Goodwill - -
1.4.3 Other intangible assets (5.879) (744)
1.4.4 Investments in shares of stock - -
1.4.5 Shortage of capital on insurance subsidiary company - -
1.4.6 Securitisation Exposure - -
1.4.7 Other deduction factor of common equity tier 1 - -
Investments in Instruments issued by the other bank that
1.4.7.1 - -
meet the criteria for inclusion in additional tier 1 and tier 2
Cross ownership of other entities obtained due to transfer
1.4.7.2 - -
because of law, grant, or bequest
Page 7
CALCULATION OF CAPITAL ADEQUACY RATIO / CAR
PT BANK OF INDIA INDONESIA TBK
AS OF 30 SEPTEMBER 2023 AND 30 SEPTEMBER 2022
(In millions of Rupiah)
CAPITAL COMPONENTS 30 Sep 2023 30 Sep 2022
2 Additional Tier 1 Capital (AT-1) - -
2.1 Instruments that meet the criteria of AT 1 - -
2.2 Agio / Disagio - -
2.3 Deduction factor - -
2.3.1 Investments in Instruments issued by the other bank that meet the
criteria for inclusion in additional tier 1 and tier 2
2.3.2 Cross ownership of other entities obtained due to transfer because of
law, grant, or bequest
II Tier 2 Capital 28.343 25.435
1 Instruments issued by the bank that meet the criteria for inclusion in
- -
tier 2 capital
2 Agio/disagio - -
3 General allowance for losses on earning assets (max. 1.25% from risk-
weighted assets) 28.343 25.435
4 Deduction Factor of Tier 2 Capital - -
4.1 Sinking Fund - -
4.2 Investments in Instruments issued by the other bank that meet the criteria for - -
4.3 Cross ownership of other entities obtained due to transfer because of law,
- -
grant, or bequest
TOTAL CAPITAL 3.309.061 2.033.499
RISK-WEIGHTED ASSETS (RWAs)
RWAs CONSIDERING CREDIT RISK 3.355.626 2.287.189
RWAs CONSIDERING MARKET RISK - -
RWAs CONSIDERING OPERATIONAL RISK 166.371 231.793
TOTAL RISK-WEIGHTED ASSETS 3.521.997 2.518.982
Min. capital requirements based on risk profile 10,00% 10,00%
REGULATORY MINIMUM CAPITAL REQUIREMENT ALLOCATION BASED ON RISK PROFILE
From CET1 ( % ) 10,00% 10,00%
From AT1 ( % ) 0,00% 0,00%
From Tier 2 ( % ) 0,00% 0,00%
CAR RATIO 93,95% 80,73%
CET 1 Ratio (%) 93,15% 79,72%
Tier 1 Ratio (%) 93,15% 79,72%
Tier 2 Ratio (%) 0,80% 1,01%
CAR Ratio 93,95% 80,73%
CET 1 FOR BUFFER (%) 83,95% 69,72%
REGULATORY BUFFER PERCENTAGE REQUIRED BY BANK (%)
Capital Conservation Buffer (%) 0,00% 0,00%
Countercyclical Buffer (%) 0,0% 0,0%
Capital Surcharge for Systemic Bank (%) 0,0% 0,0%
Page 8
PT BANK OF INDIA INDONESIA TBK
FINANCIAL RATIOS CALCULATION
30 SEPTEMBER 2023 AND 30 SEPTEMBER 2022
(In %)
No RATIO 30 SEP 2023 30 SEP 2022
I. Performance Ratio
1 Capital Adequacy Ratio (CAR) 93,95% 80,73%
2 Non performing earning assets and non earning assets to total 5,28% 2,96%
earning assets and non earning assets
3 Non perfoming earning assets to total earning assets 3,54% 2,98%
4 Allowance for impairment on financial assets to earning assets 3,01% 2,91%
5 NPL gross 5,52% 5,87%
6 NPL net 2,75% 2,80%
7 Return on Asset (ROA) 0,88% 0,36%
8 Return on Equity (ROE) 1,27% 0,64%
9 Net Interest Margin (NIM) 4,41% 3,11%
10 Operating Expenses to Operating Income (BOPO) 85,15% 98,54%
11 Cost to Income Ratio (CIR) 37,02% 76,30%
12 Loan to Deposits Ratio (LDR) 135,83% 86,12%
II. Compliance
1 a. Percentage Violation of Legal Lending Limit
I. Related parties - -
II. Non related parties - -
b. Percentage Lending in excess of Legal Lending Limit
I. Related parties - -
II. Non related parties - -
2 Reserve Requirement
a. Primary Reserve Requirement (Rupiah) 7,65% 8,53%
b. Reserve Requirement (Foreign currencies) 4,13% 4,12%
3 Net Open Position 0,13% 0,94%
Page 9
PT BANK OF INDIA INDONESIA TBK
STATEMENT OF CASH FLOWS
FOR THE PERIODS ENDED 30 SEPTEMBER 2023 & 2022
(In millions of Rupiah)
POS - POS 30 Sep 2023 30 Sep 2022
CASH FLOWS FROM OPERATING ACTIVITIES
Receipt of interest income, fees and commissions 247.966 138.861
Other operating income 9.687 35.398
Payments of interest expenses, fees and commissions (58.592) (48.495)
Payments of post-employment benefits (35.996) (32.881)
Payment of general, administration, maintenance and repairs (15.367) (34.469)
Other non-operating income / (expense) - net (1.705) 9.379
Operating Profit before changes in operating activities 145.993 67.793
Changes in operating assets and liabilities
Decrease / (Increase) in operating assets :
Loans (1.185.461) (450.910)
Other assets (45.839) (139.540)
Increase (decrease) in operating liabilities :
Obligations Due Immediately (52.137) 7.192
Deposits 106.332 605.680
Other liabilities (33.842) (8.438)
Net cash provided by (used in) operating activities (1.064.954) 81.777
CASH FLOWS FROM INVESTING ACTIVITIES
Decrease (increase) in securities held until maturity 13.801 (328.409)
Proceeds from sale of fixed assets 1.609 258
Acquisitions of fixed assets and intangible assets 14.083 751
947.346 207.433
Decrease (Increase) in securities purchased under resale agreements
Net cash provided by investing activities 976.839 (119.967)
CASH FLOWS FROM FINANCING ACTIVITIES
Additional paid-in capital 5 -
Stock issuance costs (3.520) -
Net cash provided by financing activities (3.515) -
NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS (91.630) (38.190)
CASH AND CASH EQUIVALENTS AT BEGINNING OF YEAR 339.578 1.324.158
Effect of foreign exchange rate changes (3.842) 1.736
CASH AND CASH EQUIVALENTS AT END OF YEAR 244.106 1.287.704
Page 10
PT BANK OF INDIA INDONESIA TBK
STATEMENT OF CASH FLOWS
FOR THE PERIODS ENDED 30 SEPTEMBER 2023 & 2022
(In millions of Rupiah)
POS - POS 30 Sep 2023 30 Sep 2022
SUPPLEMENTAL DISCLOSURES
Cash and cash equivalents consist of :
Cash 13.471 12.614
Current accounts with Bank Indonesia 198.318 202.315
Current accounts with other banks 18.319 20.785
Placements with Bank Indonesia and other banks - mature within 3
13.998 1.051.990
(three) months
Sertifikat Bank Indonesia - jatuh tempo kurang tiga bulan
Total cash and cash equivalents 244.106 1.287.704
Page 11
EARNING ASSETS QUALITY AND OTHER INFORMATION
BANK : PT BANK OF INDIA INDONESIA TBK
DATE OF REPORT : 30 SEPTEMBER 2023 AND 30 SEPTEMBER 2022
(In millions of Rupiah)
INDIVIDUAL
No. ACCOUNTS 30 SEPTEMBER 2023 30 SEPTEMBER 2022
L DPK KL D M Total L DPK KL D M Total
I. RELATED PARTIES
1. Placement with other banks 1.292 - - - - 1.292 967 - - - - 967
a. Rupiah - - - - - - - - - - - -
b. Foreign currencies 1.292 - - - - 1.292 967 - - - - 967
2. Spot and derivative/forward receivables - - - - - - - - - - - -
a. Rupiah - - - - - - - - - - - -
b. Foreign currencies - - - - - - - - - - - -
3. Securities - - - - - - - - - - - -
a. Rupiah - - - - - - - - - - - -
b. Foreign currencies - - - - - - - - - - - -
4. Securities sold under repurchase agreement (repo) - - - - - - - - - - - -
a. Rupiah - - - - - - - - - - - -
b. Foreign currencies - - - - - - - - - - - -
5. Claims on securities bought under reverse repo - - - - - - - - - - - -
a. Rupiah - - - - - - - - - - - -
b. Foreign currencies - - - - - - - - - - - -
6. Acceptance receivables - - - - - - - - - - - -
7. Loans and financing 19.273 - - - - 19.273 124.507 3.842 - - - 128.349
a. Micro, small and medium enterprises (UMKM) - - - - - - 39.269 3.842 - - - 43.111
i. Rupiah - - - - - - 31.655 3.842 - - - 35.497
ii.. Foreign currencies - - - - - - 7.614 - - - - 7.614
b. Non micro, small and medium enterprises (non UMKM) 19.273 - - - - 19.273 85.238 - - - - 85.238
i. Rupiah 7.682 - - - - 7.682 73.864 - - - - 73.864
ii.. Foreign currencies 11.591 - - - - 11.591 11.374 - - - - 11.374
c. Restructured loans - - - - - - - 1.198 - - - 1.198
i. Rupiah - - - - - - - 1.198 - - - 1.198
ii.. Foreign currencies - - - - - - - - - - - -
8. Equity investment - - - - - - - - - - - -
9. Other receivables* - - - - - - - - - - - -
10. Commitments and contingencies 48 - - - - 48 40.074 1 - - - 40.075
a. Rupiah 48 - - - - 48 31.851 1 - - - 31.852
b. Foreign currencies - - - - - - 8.223 - - - - 8.223
Page 12
EARNING ASSETS QUALITY AND OTHER INFORMATION
BANK : PT BANK OF INDIA INDONESIA TBK
DATE OF REPORT : 30 SEPTEMBER 2023 AND 30 SEPTEMBER 2022
(In millions of Rupiah)
INDIVIDUAL
No. ACCOUNTS 30 SEPTEMBER 2023 30 SEPTEMBER 2022
L DPK KL D M Total L DPK KL D M Total
II NON RELATED PARTIES
1. Placement with other banks 17.027 - - - - 17.027 1.019.818 - - - - 1.019.818
a. Rupiah 12.492 - - - - 12.492 1.018.840 - - - - 1.018.840
b. Foreign currencies 4.535 - - - - 4.535 978 - - - - 978
2. Spot and derivative/forward receivables 160 - - - - 160 40 - - - - 40
a. Rupiah 160 - - - - 160 40 - - - - 40
b. Foreign currencies - - - - - - - - - - - -
3. Securities 845.574 - - - - 845.574 860.965 - - - - 860.965
a. Rupiah 845.574 - - - - 845.574 860.965 - - - - 860.965
b. Foreign currencies - - - - - - - - - - - -
4. Securities sold under repurchase agreement (repo) - - - - - - - - - - - -
a. Rupiah - - - - - - - - - - - -
b. Foreign currencies - - - - - - - - - - - -
5. Claims on securities bought under reverse repo 1.194.094 - - - - 1.194.094 263.601 - - - - 263.601
a. Rupiah 1.194.094 - - - - 1.194.094 263.601 - - - - 263.601
b. Foreign currencies - - - - - - - - - - - -
6. Acceptance receivables 5.140 - - - - 5.140 - - - - - -
7. Loans and financing 3.113.504 388.083 59.917 - 145.630 3.707.134 1.565.326 429.864 975 56.882 74.637 2.127.684
a. Micro, small and medium enterprises (UMKM) 387.316 30.034 2.417 - 28.111 447.878 308.320 60.621 975 - 53.490 423.406
i. Rupiah 386.373 23.130 2.417 - 28.111 440.031 291.503 60.248 975 - 53.490 406.216
ii.. Foreign currencies 943 6.904 - - - 7.847 16.817 373 - - - 17.190
b. Non micro, small and medium enterprises (non UMKM) 2.726.188 358.049 57.500 - 117.519 3.259.256 1.257.006 369.243 - 56.882 21.147 1.704.278
i. Rupiah 2.370.447 123.984 - - 117.519 2.611.950 888.778 185.426 - - 21.147 1.095.351
ii.. Foreign currencies 355.741 234.065 57.500 - - 647.306 368.228 183.817 - 56.882 - 608.927
c. Restructured loans 202.405 370.655 57.667 - 140.193 770.920 412.010 412.072 975 56.882 28.077 910.016
i. Rupiah 83.868 129.934 167 - 140.193 354.162 309.293 228.255 975 - 28.077 566.600
ii.. Foreign currencies 118.537 240.721 57.500 - - 416.758 102.717 183.817 - 56.882 - 343.416
8. Equity investment - - - - - - - - - - - -
9. Other receivables* 1.848 - - - - 1.848 - - - - - -
10. Commitments and contingencies 398.489 4.843 - - - 403.332 341.678 86 - - - 341.764
a. Rupiah 378.023 3.665 - - - 381.688 287.103 86 - - - 287.189
b. Foreign currencies 20.466 1.178 - - - 21.644 54.575 - - - - 54.575
III OTHER INFORMATION
1. Value of bank's assets pledge as collateral : -
a. To Bank Indonesia - -
b. To Other Parties -
2. Foreclosed assets 128.874 167.164
Page 13
PT BANK OF INDIA INDONESIA TBK
ALLOWANCE FOR IMPAIRMENTS LOSSES ON EARNINGS ASSETS
AS OF 30 SEPTEMBER 2023 AND 30 SEPTEMBER 2022
(In millions of Rupiah)
30 SEPTEMBER 2023 30 SEPTEMBER 2022
Calculate Allowance Calculate Allowance
No. ACCOUNTS Allowance for Impairment for Possible Allowance for Impairment for Possible
Losses on Earning Assets Losses on Earning Assets
Stage 1 Stage 2 Stage 3 General Specific Stage 1 Stage 2 Stage 3 General Specific
1. Placement with other banks - - - 183 - - - - 10.208 -
2. Spot and derivative/forward receivables - - - 2 - - - - - -
3. Securities - - - 370 - - - - 370 -
4. Securities sold under repurchase agreement (repo) - - - - - - - - - -
5. Claims on securities bought under reverse repo - - - - - - - - - -
6. Acceptance receivables - - - 51 - - - - - -
7. Loans and financing 31.349 76.882 78.905 27.528 117.574 27.215 43.486 69.243 14.540 57.321
8. Equity investment - - - - - - - - - -
9. Other receivables* - - - 18 - - - - - -
10. Commitments and Contingencies 7 - - 191 - 958 - - 317 4
*) Among others, it consists of unaccepted sight L/C or usance LC receivables, purchased/overwritten traveler's checks, advances to customers, inkaso receivables, bailouts in the framework of government programs.
Page 14
BANK MANAGEMENT
Board of Commissioners:
President Commissioner : Sudhiranjan Padhi
Independent Commissioner : Handadjaja Sulaiman
Independent Commissioner : Lungguk Gultom
Board of Directors:
President Director : RM Raharjo Satrio Unggul
Vice President Director : Jayaprakash Bharathan
Operational Director : Carolina Dina Rusdiana
Credit & International Banking Director : Chandra Sekhar Mukherjee
Compliance Director : Dennis Kusuma Halim
SHAREHOLDERS
Controlling Shareholders (PSP):
- Bank of India 90,96%
Non-controlling shareholders through capital market (≥ 5%):
- PT Panca Mantra Jaya 6,78%
Non-controlling shareholders not through the capital market (≥ 5%):
Nil -
Other Shareholders:
- Public 2,26%
BANK OF INDIA SHAREHOLDERS
Indian Government 81,41%
Public 18,59%
Page 15
Notes:
● The publication report above is presented to fulfill the following conditions:
1. Financial Services Authority Regulation Number 37/POJK.03/2019 dated 19 December 2019 regarding Transparency and Publication of Bank
Reports.
2. Financial Services Authority Circular Letter Number 9/SEOJK.03/2020 dated 30 June 2020 concerning Transparency and Publication of
Conventional Commercial Bank Reports.
3. Financial Services Authority Regulation Number 11/POJK.03/2016 dated January 29, 2016 regarding the Minimum Capital Adequacy Requirements
of Commercial Banks as amended by Financial Services Authority Regulation Number 34/POJK.03/2016 dated September 22, 2016 and last
amended by Financial Services Authority Regulation Number 27 of 2022 dated December 26, 2022.
4. Financial Services Authority Regulation Number 14 / POJK.04/2022 dated 22 August 2022 concerning Submission of Periodic Financial Reports of
Issuers or Public Companies.
5. Regulation No. VIII.G.7 which is an attachment to the Decree of the Chairman of the Capital Market and Financial Institution Supervisory Agency
(“Bapepam-LK”) No. KEP-347/BL/2012 dated 25 June 2012 regarding Presentation and Disclosure of Financial Statements of Issuers or Public
Companies.
● Bank of India Indonesia Tbk PT Bank of India Indonesia Tbk Soundness Level As of June 30, 2023 based on a composite self-assessment is at
“Composite Rating 2 (PK 2)”.
● September 29th, 2023 exchange rate 1 USD = IDR 15.455,00
September 30th, 2022 exchange rate 1 USD = IDR 15.227,50
December 30th, 2022 exchange rate 1 USD = IDR 15.567,50
Jakarta, October 31th 2023
S.E., & O
PT Bank of India Indonesia Tbk
BOARD OF DIRECTORS
RM Raharjo Satrio Unggul Jayaprakash Bharathan
President Director Vice President Director
PT Bank of India Indonesia Tbk is registered and supervised by OJK and an insured member of Deposit Insurance Corporation (LPS).
Names mentioned 0 people and organisations named in the text · linked when the evidence is strong
The name pass has not read this document yet.
Extraction attempts how the parser did, and what it refused
Nothing structured was extracted from this document — the attempts below say why.
No extraction attempted yet.