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Nomor Surat 003/BBHI/X/2023
Nama Emiten PT Allo Bank Indonesia Tbk
Kode Emiten BBHI
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 Allo Bank Indonesia Tbk yang tidak memerlukan tanda tangan karena dihasilkan secara elektronik. PT
Allo 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 Allo 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 BBHI Entity code
Nomor identifikasi entitas AA713 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 3,382,320,100 3,173,579,300 Cash
Giro pada bank lain Current accounts with other
banks
Giro pada bank lain pihak Current accounts with
51,062,122,614 37,643,518,426
ketiga other banks third parties
Giro pada bank lain pihak Current accounts with
176,464,178,426 152,186,649,430
berelasi other banks related parties
Cadangan kerugian Allowance for impairment
penurunan nilai pada giro ( 227,526,731 ) ( 189,553,950 ) losses for current
pada bank lain accounts with other bank
Efek yang dibeli dengan janji Securities purchased under
0 764,098,785,000
dijual kembali agreement to resale
Pinjaman yang diberikan Loans
Pinjaman yang diberikan Loans third parties
7,072,529,605,097 7,041,370,320,411
pihak ketiga
Pinjaman yang diberikan Loans related parties
250,369,886,130 164,187,907,963
pihak berelasi
Cadangan kerugian Allowance for impairment
penurunan nilai pada ( 59,988,574,728 ) ( 52,480,819,903 ) losses for loans
pinjaman yang diberikan
Aset keuangan lainnya 39,935,227,519 50,797,548,019 Other financial assets
Obligasi pemerintah 3,188,865,665,000 1,896,710,000,000 Government bonds
Uang muka 23,498,942,514 4,503,870,847 Advances
Biaya dibayar dimuka 51,642,315,739 40,445,601,561 Prepaid expenses
Jaminan 3,474,350,729 3,473,943,460 Guarantees
Pajak dibayar dimuka 0 0 Prepaid taxes
Klaim atas pengembalian Claims for tax refund
320,978,066 1,043,090,259
pajak
Aset pajak tangguhan 122,242,367 0 Deferred tax assets
Aset takberwujud selain Intangible assets other than
53,037,001,248 61,942,976,956
goodwill goodwill
Aset tetap Property, plant, and
139,022,568,707 154,808,892,729
equipment
Agunan yang diambil alih 0 0 Foreclosed assets
Aset lainnya 9,298,651,293 54,356,296,416 Other assets
Jumlah aset 11,989,836,729,655 11,058,956,402,885 Total assets
Liabilitas, dana syirkah Liabilities, temporary syirkah
temporer dan ekuitas funds and equity
Liabilitas Liabilities
Liabilitas segera Obligations due
177,191,796,753 138,770,930,759
immediately
Simpanan nasabah Customers deposits
Giro Current accounts
Giro pihak ketiga Current accounts
202,247,544,338 35,460,020,066
third parties
Giro pihak berelasi Current accounts
5,751,935,333 4,397,318,920
related parties
Tabungan Savings
Tabungan pihak Savings third
425,703,882,133 309,247,686,109
ketiga parties
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Tabungan pihak 1,302 941,078 Savings related
berelasi parties
Deposito berjangka Time deposits
Deposito berjangka Time deposits third
3,067,019,558,498 2,058,289,849,895
pihak ketiga parties
Deposito berjangka Time deposits
1,190,456,190,497 2,008,252,096,662
pihak berelasi related parties
Simpanan dari bank lain Other banks deposits
Simpanan dari bank Other banks deposits
37,389 39,873
lain pihak berelasi related parties
Simpanan dari bank Other banks deposits
0 0
lain pihak ketiga third parties
Efek yang dijual dengan Securities sold with
0 0
janji untuk dibeli kembali repurchase agreement
Utang bunga 13,622,445,543 12,421,187,940 Interest payables
Pendapatan ditangguhkan 526,374,786 663,690,328 Deferred income
Utang pajak 21,830,896,207 10,624,955,181 Taxes payable
Liabilitas pajak tangguhan 0 932,187,110 Deferred tax liabilities
Liabilitas lainnya 54,739,005,992 58,089,905,760 Other liabilities
Kewajiban imbalan pasca Post-employment benefit
15,329,517,699 10,536,656,442
kerja obligations
Jumlah liabilitas 5,174,419,186,470 4,647,687,466,123 Total liabilities
Ekuitas Equity
Ekuitas yang Equity attributable to
diatribusikan kepada equity owners of parent
pemilik entitas induk entity
Saham biasa 2,173,025,644,200 2,173,025,644,200 Common stocks
Tambahan modal Additional paid-in
3,868,733,223,522 3,868,733,223,522
disetor capital
Cadangan revaluasi 0 0 Revaluation reserves
Cadangan perubahan Reserve for changes in
nilai wajar aset fair value of fair value
keuangan nilai wajar 110,975,671,257 45,645,505,878 through other
melalui pendapatan comprehensive income
komprehensif lainnya financial assets
Cadangan pengukuran Reserve of
kembali program ( 2,537,410,054 ) ( 2,537,410,054 ) 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
2,054,029,386 2,024,618,193
umum dan wajib legal reserves
Saldo laba yang Unappropriated
belum ditentukan 663,166,384,874 324,377,355,023 retained earnings
penggunaannya
Jumlah ekuitas yang Total equity
diatribusikan kepada attributable to equity
6,815,417,543,185 6,411,268,936,762
pemilik entitas induk owners of parent
entity
Jumlah ekuitas 6,815,417,543,185 6,411,268,936,762 Total equity
Jumlah liabilitas, dana Total liabilities, temporary
syirkah temporer dan 11,989,836,729,655 11,058,956,402,885 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 976,648,592,021 492,256,892,931 Interest income
Beban bunga ( 219,875,918,903 ) ( 86,172,939,977 ) Interest expenses
Pendapatan sekuritas Securities income
Keuntungan (kerugian) Realised gains (losses)
dari transaksi on trading of marketable
37,373,920,257 3,918,770,429
perdagangan efek yang securities
telah direalisasi
Pendapatan operasional Other operating income
lainnya
Penerimaan kembali aset Revenue from recovery of
yang telah 0 0 written-off assets
dihapusbukukan
Keuntungan (kerugian) Gains (losses) on
selisih kurs mata uang 0 0 changes in foreign
asing exchange rates
Keuntungan (kerugian) Gains (losses) on
pelepasan aset tetap 8,780,917 318,994,136 disposal of property and
equipment
Keuntungan (kerugian) Gains (losses) on
pelepasan agunan yang 0 ( 4,831,568,021 ) disposal of foreclosed
diambil alih assets
Pendapatan Other operating income
50,052,248,047 123,978,728,251
operasional lainnya
Pemulihan penyisihan Recovery of impairment
kerugian penurunan nilai loss
Pemulihan penyisihan Recovery of impairment
kerugian penurunan nilai 0 0 loss of financial assets
aset keuangan
Pemulihan penyisihan Recovery of impairment
kerugian penurunan nilai loss of non-financial
0 0
aset non-keuangan - assets repossessed
agunan yang diambil alih collaterals
Pembentukan kerugian Allowances for impairment
penurunan nilai losses
Pembentukan penyisihan Allowances for
kerugian penurunan nilai ( 30,792,859,496 ) ( 41,456,308,088 ) impairment losses on
aset produktif earnings assets
Pembentukan penyisihan Allowances for
kerugian penurunan nilai (0) (0) impairment losses on
aset non-produktif non-earnings assets
Beban operasional lainnya Other operating expenses
Beban umum dan General and
( 267,115,555,462 ) ( 163,965,484,008 )
administrasi administrative expenses
Beban sewa, Rent, maintenance and
pemeliharaan, dan ( 1,033,646,407 ) ( 4,208,636,486 ) improvement expenses
perbaikan
Beban operasional Other operating
( 107,387,079,924 ) ( 49,880,033,630 )
lainnya expenses
Jumlah laba operasional 437,878,481,050 269,958,415,537 Total profit from operation
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Pendapatan dan beban bukan Non-operating income and
operasional expense
Pendapatan bukan Non-operating income
0 550,015,857
operasional
Beban bukan operasional ( 232,462,544 ) (0) Non-operating expenses
Jumlah laba (rugi) sebelum Total profit (loss) before tax
437,646,018,506 270,508,431,394
pajak penghasilan
Pendapatan (beban) pajak ( 98,827,577,462 ) ( 61,481,294,175 ) Tax benefit (expenses)
Jumlah laba (rugi) dari Total profit (loss) from
338,818,441,044 209,027,137,219
operasi yang dilanjutkan continuing operations
Jumlah laba (rugi) 338,818,441,044 209,027,137,219 Total profit (loss)
Pendapatan komprehensif Other comprehensive income,
lainnya, setelah pajak after tax
Pendapatan komprehensif Other comprehensive
lainnya yang tidak akan income that will not be
direklasifikasi ke laba rugi, reclassified to profit or
setelah pajak loss, after tax
Pendapatan Other comprehensive
komprehensif lainnya income for gains (losses)
atas keuntungan 0 0 on revaluation of property
(kerugian) hasil revaluasi and equipment, after tax
aset tetap, setelah pajak
Pendapatan Other comprehensive
komprehensif lainnya income for
atas pengukuran kembali 0 0 remeasurement of
kewajiban manfaat pasti, defined benefit obligation,
setelah pajak after tax
Jumlah pendapatan Total other
komprehensif lainnya comprehensive income
yang tidak akan 0 0 that will not be
direklasifikasi ke laba reclassified to profit or
rugi, setelah pajak loss, after tax
Pendapatan komprehensif Other comprehensive
lainnya yang akan income that may be
direklasifikasi ke laba rugi, reclassified to profit or
setelah pajak loss, after tax
Keuntungan (kerugian) Unrealised gains (losses)
yang belum direalisasi on changes in fair value
atas perubahan nilai through other
wajar aset keuangan 65,330,165,379 ( 19,193,205,407 ) comprehensive income
melalui penghasilan financial assets, after tax
komprehensif lain,
setelah pajak
Jumlah pendapatan Total other
komprehensif lainnya comprehensive income
yang akan 65,330,165,379 ( 19,193,205,407 ) that may be reclassified
direklasifikasi ke laba to profit or loss, after
rugi, setelah pajak tax
Jumlah pendapatan Total other comprehensive
komprehensif lainnya, 65,330,165,379 ( 19,193,205,407 ) income, after tax
setelah pajak
Jumlah laba rugi Total comprehensive income
404,148,606,423 189,833,931,812
komprehensif
Laba (rugi) yang dapat Profit (loss) attributable to
diatribusikan
Laba (rugi) yang dapat Profit (loss) attributable to
338,818,441,044 209,027,137,219
diatribusikan ke entitas induk parent entity
Laba rugi komprehensif yang Comprehensive income
dapat diatribusikan attributable to
Laba rugi komprehensif yang Comprehensive income
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dapat diatribusikan ke entitas 404,148,606,423 189,833,931,812 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 20.789350673232153 14.501856375970657 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
Cadangan perubahan nilai Saldo laba yang telah Saldo laba yang telah
Cadangan keuntungan Cadangan pengukuran Selisih Transaksi Perubahan Selisih transaksi ekuitas Ekuitas yang dapat
Penjabaran laporan Cadangan selisih kurs wajar aset keuangan nilai Cadangan pembayaran Cadangan lindung nilai Kepentingan ekuitas Transaksi dengan pihak Komponen transaksi ditentukan ditentukan Saldo laba yang belum Kepentingan
Saham biasa Saham preferen Tambahan modal disetor Saham treasuri Uang muka setoran modal Opsi saham Cadangan revaluasi (kerugian) investasi pada kembali program imbalan Cadangan lainnya Ekuitas Entitas dengan pihak diatribusikan kepada entitas Proforma ekuitas Ekuitas
keuangan penjabaran wajar melalui pendapatan berbasis saham arus kas lainnya non-pengendali lainnya ekuitas lainnya penggunaannya-cadangan penggunaannya-cadangan ditentukan penggunaannya non-pengendali
instrumen ekuitas pasti Anak/Asosiasi non-pengendali induk
komprehensif lainnya umum dan wajib khusus
Reserve for changes in fair
Reserve of gains (losses) Difference in value of equity Appropriated retained
Reserve of exchange value of fair value through Reserve of share-based Reserve of remeasurements Difference Due to Changes of Other transactions with Other components of equity Appropriated retained Unappropriated retained Equity attributable to parent
Common stocks Preferred stocks Additional paid-in capital Treasury stocks Advances in capital stock Stock options Translation adjustment Revaluation reserves from investments in equity Reserve of cash flow hedges Other reserves Other equity interests transactions with earnings-general and legal Proforma equity Non-controlling interests Equity
differences on translation other comprehensive income payments of defined benefit plans Equity in Subsidiary/Associates non-controlling interests transactions earnings-specific reserves earnings entity
instruments non-controlling interests reserves
financial assets
Posisi ekuitas Equity position
Saldo awal periode sebelum penyajian kembali 2,173,025,644,200 3,868,733,223,522 0 0 45,645,505,878 ( 2,537,410,054 ) 2,024,618,193 324,377,355,023 6,411,268,936,762 6,411,268,936,762 Balance before restatement at beginning of period
Posisi ekuitas, awal periode 2,173,025,644,200 3,868,733,223,522 0 45,645,505,878 ( 2,537,410,054 ) 2,024,618,193 324,377,355,023 6,411,268,936,762 6,411,268,936,762 Equity position, beginning of the period
Laba (rugi) 338,818,441,044 338,818,441,044 338,818,441,044 Profit (loss)
Pendapatan komprehensif lainnya 65,330,165,379 0 65,330,165,379 65,330,165,379 Other comprehensive income
Pembentukan cadangan umum 29,411,193 ( 29,411,193 ) 0 0 Allocation for general reserves
Penerbitan saham biasa 0 0 0 0 Issuance of common stocks
Transaksi ekuitas lainnya 0 0 0 0 Other equity transactions
Posisi ekuitas, akhir periode 2,173,025,644,200 0 3,868,733,223,522 0 0 0 0 0 0 110,975,671,257 0 0 0 ( 2,537,410,054 ) 0 0 0 0 0 0 2,054,029,386 0 663,166,384,874 6,815,417,543,185 0 0 6,815,417,543,185 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 perubahan nilai Saldo laba yang telah Saldo laba yang telah
Cadangan keuntungan Cadangan pengukuran Selisih Transaksi Perubahan Selisih transaksi ekuitas Ekuitas yang dapat
Penjabaran laporan Cadangan selisih kurs wajar aset keuangan nilai Cadangan pembayaran Cadangan lindung nilai Kepentingan ekuitas Transaksi dengan pihak Komponen transaksi ditentukan ditentukan Saldo laba yang belum
Saham biasa Saham preferen Tambahan modal disetor Saham treasuri Uang muka setoran modal Opsi saham Cadangan revaluasi (kerugian) investasi pada kembali program imbalan Cadangan lainnya Ekuitas Entitas dengan pihak diatribusikan kepada entitas Ekuitas
keuangan penjabaran wajar melalui pendapatan berbasis saham arus kas lainnya non-pengendali lainnya ekuitas lainnya penggunaannya-cadangan penggunaannya-cadangan ditentukan penggunaannya
instrumen ekuitas pasti Anak/Asosiasi non-pengendali induk
komprehensif lainnya umum dan wajib khusus
Reserve for changes in fair
Reserve of gains (losses) Difference in value of equity Appropriated retained
Reserve of exchange value of fair value through Reserve of share-based Reserve of remeasurements Difference Due to Changes of Other transactions with Other components of equity Appropriated retained Unappropriated retained Equity attributable to parent
Common stocks Preferred stocks Additional paid-in capital Treasury stocks Advances in capital stock Stock options Translation adjustment Revaluation reserves from investments in equity Reserve of cash flow hedges Other reserves Other equity interests transactions with earnings-general and legal Equity
differences on translation other comprehensive income payments of defined benefit plans Equity in Subsidiary/Associates non-controlling interests transactions earnings-specific reserves earnings entity
instruments non-controlling interests reserves
financial assets
Posisi ekuitas Equity position
Saldo awal periode sebelum penyajian kembali 1,168,293,357,100 28,888,724,813 22,575,371,620 26,771,270,429 369,616,848 2,000,000,000 54,372,562,023 1,303,270,902,833 1,303,270,902,833 Balance before restatement at beginning of period
Posisi ekuitas, awal periode 1,168,293,357,100 28,888,724,813 22,575,371,620 26,771,270,429 369,616,848 2,000,000,000 54,372,562,023 1,303,270,902,833 1,303,270,902,833 Equity position, beginning of the period
Laba (rugi) 209,027,137,219 209,027,137,219 209,027,137,219 Profit (loss)
Pendapatan komprehensif lainnya ( 19,193,205,407 ) 0 ( 19,193,205,407 ) ( 19,193,205,407 ) Other comprehensive income
Pembentukan cadangan umum 24,618,193 ( 24,618,193 ) Allocation for general reserves
Penerbitan saham biasa 1,004,732,287,100 3,795,664,052,789 4,800,396,339,889 4,800,396,339,889 Issuance of common stocks
Biaya emisi efek (0) (0) Stock issuance costs
Transaksi ekuitas lainnya 44,180,445,920 ( 22,575,371,620 ) 21,605,074,300 21,605,074,300 Other equity transactions
Posisi ekuitas, akhir periode 2,173,025,644,200 0 3,868,733,223,522 0 0 0 0 0 0 7,578,065,022 0 0 0 369,616,848 0 0 0 0 0 0 2,024,618,193 0 263,375,081,049 6,315,106,248,834 6,315,106,248,834 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 991,248,096,385 503,219,229,212 income, fees and
komisi commissions received
Pembayaran bunga dan Payments Of Interest And
bonus, provisi dan komisi ( 219,606,848,410 ) ( 86,104,417,577 ) Bonus Fees And
Commissions
Pendapatan dari transaksi Income from other
113,634,651,965 90,095,804,895
operasional lainnya operating transactions
Penerimaan kembali aset Recoveries of written off
yang telah 0 0 assets
dihapusbukukan
Pembayaran atas beban Payments of finance costs
keuangan dan beban ( 225,389,398,233 ) ( 143,090,176,957 ) and bank administration
administrasi bank charges
Pembayaran gaji dan Payments for salaries and
( 103,627,865,074 ) ( 60,801,738,405 )
tunjangan allowances
Laba (rugi) selisih kurs Foreign currency gains
0 0
(losses)
Penerimaan pendapatan Receipts from
( 232,462,544 ) ( 4,281,552,165 )
non-operasional non-operating income
Penurunan (kenaikan) aset Decrease (increase) in
operasi operating assets
Penurunan (kenaikan) ( 1,292,155,665,000 Decrease (increase) in
( 80,876,705,407 )
efek yang diperdagangkan ) marketable securities
Penurunan (kenaikan) Decrease (increase) in
efek yang dibeli dengan 764,098,785,000 ( 639,455,390,000 ) securities purchased
janji dijual kembali under resale agreements
Penurunan (kenaikan) ( 4,978,834,809,938 Decrease (increase) in
( 128,981,940,612 )
pinjaman yang diberikan ) loans
Penurunan (kenaikan) Decrease (increase) in
0 221,004,153,835
agunan yang diambil alih foreclosed assets
Penurunan (kenaikan) Decrease (increase) in
( 25,964,557,456 ) 46,963,342,765
aset lainnya other assets
Kenaikan (penurunan) Increase (decrease) in
liabilitas operasi operating liabilities
Kenaikan (penurunan) giro Increase (decrease) in
dan tabungan simpanan 284,597,394,448 4,386,674,082 current accounts and
nasabah customers savings
Kenaikan (penurunan) Increase (decrease) in
deposito berjangka 190,933,802,438 1,788,285,062,332 customers time deposits
nasabah
Kenaikan (penurunan) Increase (decrease) in
efek yang dijual dengan 0 ( 960,444,753,998 ) securities sold under
janji dibeli kembali repurchase agreement
Kenaikan (penurunan) Increase (decrease) in
12,456,763,380 24,638,434,469
liabilitas lainnya other liabilities
Jumlah arus kas bersih Total net cash flows
yang diperoleh dari ( 4,275,296,842,857 received from (used in)
Page 12
(digunakan untuk) aktivitas 361,010,756,287 ) operating activities
operasi
Arus kas dari aktivitas Cash flows from investing
investasi activities
Penerimaan dari penjualan Proceeds from disposal
(perolehan) aset tetap ( 15,167,902,699 ) ( 76,239,969,305 ) (acquisition) of property and
equipment
Penerimaan dari penjualan Proceeds from disposal
(perolehan) aset takberwujud ( 1,795,000,000 ) ( 45,369,632,129 ) (acquisition) of intangible
selain goodwill assets other than goodwill
Jumlah arus kas bersih Total net cash flows
yang diperoleh dari received from (used in)
( 16,962,902,699 ) ( 121,609,601,434 )
(digunakan untuk) aktivitas investing activities
investasi
Arus kas dari aktivitas Cash flows from financing
pendanaan activities
Pembayaran biaya emisi Payments of stock issuance
(0) (0)
saham costs
Penerimaan setoran modal Proceeds from capital
0 4,800,396,339,889
contributions
Jumlah arus kas bersih Total net cash flows
yang diperoleh dari received from (used in)
0 4,800,396,339,889
(digunakan untuk) aktivitas financing activities
pendanaan
Jumlah kenaikan (penurunan) Total net increase (decrease)
344,047,853,588 403,489,895,598
bersih kas dan setara kas in cash and cash equivalents
Kas dan setara kas arus kas, Cash and cash equivalents cash
873,887,543,117 246,648,900,590
awal periode flows, beginning of the period
Kas dan setara kas arus kas, Cash and cash equivalents
1,217,935,396,705 650,138,796,188
akhir periode cash flows, end of the period
Page 13
[4610000] Explanation for Significant Accounting Policy - Financial and Sharia Industry
Page 14
[4611000] Notes to the financial statements - Property, Plant, and Equipement - Financial and Sharia Industry - Current Year
30 September 2023
Aset tetap Property, plant, and equipment
Penjabaran Penurunan
Entitas anak
Aset tetap, awal Penambahan aset Pengurangan aset Reklasifikasi aset laporan Revaluasi (pemulihan) Aset tetap, akhir
baru aset
periode tetap tetap tetap keuangan aset tetap nilai aset periode
tetap
aset tetap tetap
Translation New
Revaluation of Impairment
Property, plant, and Disposals in Reclassifications adjustment in subsidiaries in Property, plant, and
Addition in property, property, (recovery) of
equipment, beginning property, plant, and of property, plant, property, property, equipment, end
plant, and equipment plant, and property, plant,
period equipment and equipment plant, and plant, and period
equipment and equipment
equipment equipment
Nilai Tanah, dimiliki Land, directly Carrying
0 0 (0) 0
perolehan, langsung owned amount, gross
kotor Bangunan dan Building and
fasilitasnya, leasehold
0 0 (0) 0
dimiliki improvement,
langsung directly owned
Perabot dan Furniture and
peralatan ( 1,168,902,470 office
104,220,343,752 13,514,292,780 116,565,734,062
kantor, dimiliki ) equipment,
langsung directly owned
Kendaraan Motor vehicle,
bermotor, directly owned
1,544,815,000 771,400,000 (0) 2,316,215,000
dimiliki
langsung
Lainnya, Others, directly
dimiliki 23,105,104,180 898,796,641 ( 15,181,250 ) 23,988,719,571 owned
langsung
Dimiliki ( 1,184,083,720 Directly owned
128,870,262,932 15,184,489,421 0 0 0 0 (0) 142,870,668,633
langsung )
Bangunan, Building, right of
52,961,925,256 62,173,884 (0) 53,024,099,140
aset hak guna use assets
Aset hak Right of use
52,961,925,256 62,173,884 (0) 53,024,099,140
guna assets
Aset tetap Property,
( 1,184,083,720
181,832,188,188 15,246,663,305 0 0 0 0 (0) 195,894,767,773 plant, and
)
equipment
Akumulasi Bangunan dan Building and Carrying
Page 15
depresiasi fasilitasnya, 0 0 (0) 0 leasehold amount,
dimiliki improvement, accumulated
langsung directly owned depreciation
Perabot dan Furniture and
peralatan ( 1,161,096,665 office
11,872,204,483 17,859,352,598 28,570,460,416
kantor, dimiliki ) equipment,
langsung directly owned
Kendaraan Motor vehicle,
bermotor, directly owned
117,503,750 255,673,083 (0) 373,176,833
dimiliki
langsung
Lainnya, Others, directly
dimiliki 1,957,077,996 3,496,827,373 ( 15,181,250 ) 5,438,724,119 owned
langsung
Dimiliki ( 1,176,277,915 Directly owned
13,946,786,229 21,611,853,054 0 0 0 0 (0) 34,382,361,368
langsung )
Bangunan, Building, right of
13,076,509,230 9,413,328,468 (0) 22,489,837,698
aset hak guna use assets
Aset hak Right of use
13,076,509,230 9,413,328,468 (0) 22,489,837,698
guna assets
Aset tetap Property,
( 1,176,277,915
27,023,295,459 31,025,181,522 0 0 0 0 (0) 56,872,199,066 plant, and
)
equipment
Nilai Aset tetap Property, Carrying
perolehan 154,808,892,729 139,022,568,707 plant, and amount
equipment
Page 16
[4611000] Notes to the financial statements - Property, Plant, and Equipement - Financial and Sharia Industry - Prior Year
31 December 2022
Aset tetap Property, plant, and equipment
Penjabaran Penurunan
Entitas anak
Aset tetap, awal Penambahan aset Pengurangan aset Reklasifikasi laporan Revaluasi (pemulihan) Aset tetap, akhir
baru aset
periode tetap tetap aset tetap keuangan aset tetap nilai aset periode
tetap
aset tetap tetap
Translation New
Revaluation of Impairment
Property, plant, and Disposals in Reclassifications adjustment in subsidiaries in Property, plant, and
Addition in property, property, (recovery) of
equipment, property, plant, and of property, plant, property, property, equipment, end
plant, and equipment plant, and property, plant,
beginning period equipment and equipment plant, and plant, and period
equipment and equipment
equipment equipment
Nilai Tanah, dimiliki ( Land, directly Carrying
perolehan, langsung 18,093,450,000 0 18,093,450,000 0 owned amount, gross
kotor )
Bangunan dan Building and
fasilitasnya, ( 7,447,550,000 leasehold
7,447,550,000 0 0
dimiliki ) improvement,
langsung directly owned
Perabot dan Furniture and
(
peralatan office
13,579,353,941 101,285,530,719 10,644,540,908 104,220,343,752
kantor, dimiliki equipment,
)
langsung directly owned
Kendaraan Motor vehicle,
bermotor, directly owned
434,392,000 1,519,510,000 ( 409,087,000 ) 1,544,815,000
dimiliki
langsung
Lainnya, ( Others, directly
dimiliki 12,390,248,074 23,089,922,930 12,375,066,824 23,105,104,180 owned
langsung )
Dimiliki ( Directly owned
langsung 51,944,994,015 125,894,963,649 48,969,694,732 0 0 0 0 (0) 128,870,262,932
)
Bangunan, ( Building, right of
aset hak guna 17,082,658,455 48,639,965,760 12,760,698,959 52,961,925,256 use assets
)
Aset hak ( Right of use
guna 17,082,658,455 48,639,965,760 12,760,698,959 52,961,925,256 assets
)
Aset tetap ( Property,
Page 17
69,027,652,470 174,534,929,409 61,730,393,691 0 0 0 0 (0) 181,832,188,188 plant, and
) equipment
Akumulasi Bangunan dan Building and Carrying
depresiasi fasilitasnya, ( 2,420,453,750 leasehold amount,
2,265,296,458 155,157,292 0
dimiliki ) improvement, accumulated
langsung directly owned depreciation
Perabot dan Furniture and
(
peralatan office
12,517,179,902 9,364,283,399 10,009,258,818 11,872,204,483
kantor, dimiliki equipment,
)
langsung directly owned
Kendaraan Motor vehicle,
bermotor, directly owned
427,812,417 97,846,666 ( 408,155,333 ) 117,503,750
dimiliki
langsung
Lainnya, ( Others, directly
dimiliki 11,771,478,984 2,003,542,994 11,817,943,982 1,957,077,996 owned
langsung )
Dimiliki ( Directly owned
langsung 26,981,767,761 11,620,830,351 24,655,811,883 0 0 0 0 (0) 13,946,786,229
)
Bangunan, ( Building, right of
aset hak guna 11,922,648,086 13,914,560,103 12,760,698,959 13,076,509,230 use assets
)
Aset hak ( Right of use
guna 11,922,648,086 13,914,560,103 12,760,698,959 13,076,509,230 assets
)
Aset tetap ( Property,
38,904,415,847 25,535,390,454 37,416,510,842 0 0 0 0 (0) 27,023,295,459 plant, and
) equipment
Nilai Aset tetap Property, Carrying
perolehan 30,123,236,623 154,808,892,729 plant, and amount
equipment
Page 18
[4611100] Disclosure of Notes to the financial statements - Property, Plant and Equipment - Financial and Sharia Industry
Page 19
[4614100] Notes to the financial statements - Loans and Sharia
receivables/financing - Other Information - Financial and Sharia Industry
Informasi penting lainnya Loans other information
30 September 2023 31 December 2022
Tingkat suku bunga Annual yield rate of
rata-rata per tahun 0.14 0.1325 rupiah loans
rupiah
Cadangan kerugian Allowance for impairment
penurunan nilai, awal 52,480,819,903 26,930,564,884 of losses, beginning
periode period
Pembentukan selama Provision during the year
tahun berjalan of allowance for
30,754,886,715 44,077,874,812
impairment losses on
loans
Penghapusbukuan Writing off of allowance
( 23,247,131,890 ) ( 18,527,619,793 ) for impairment losses on
loans
Cadangan kerugian Allowance for
penurunan nilai, akhir 59,988,574,728 52,480,819,903 impairment of losses,
periode ending period
Non-performing financing Non-performing financing
0.06369062307154585 0.0016902241069540291
- gross - gross
Non-performing financing Non-performing financing
0.038837078047915176 0.0010336907761537037
- net - net
Page 20
[4614110] Disclosure of Notes to the financial statements - Loans and Sharia receivables/financing - Financial and Sharia Industry
Page 21
[4621100] Notes to the financial statements - Current Accounts and Wadiah Demand deposits - Financial and Sharia Industry
Giro dan giro wadiah Current accounts and wadiah demand deposits
30 September 2023 31 December 2022
Giro Pihak berelasi Rupiah 5,751,935,333 4,397,318,920 Rupiah Related parties Current accounts
Subtotal Seluruh Subtotal on all
5,751,935,333 4,397,318,920
Mata Uang Currencies
Pihak ketiga Rupiah 202,247,544,338 35,460,020,066 Rupiah Third
Subtotal Seluruh Subtotal on all parties
202,247,544,338 35,460,020,066
Mata Uang Currencies
Subtotal Seluruh Subtotal Seluruh Subtotal on all Subtotal on all
207,999,479,671 39,857,338,986
Pihak Mata Uang Currencies Parties
Page 22
[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 1,302 941,078 Rupiah Related parties Savings deposits
Subtotal Seluruh Subtotal on all
1,302 941,078
Mata Uang Currencies
Pihak ketiga Rupiah 425,703,882,133 309,247,686,109 Rupiah Third
Subtotal Seluruh Subtotal on all parties
425,703,882,133 309,247,686,109
Mata Uang Currencies
Subtotal Seluruh Subtotal Seluruh Subtotal on all Subtotal on all
425,703,883,435 309,248,627,187
Pihak Mata Uang Currencies Parties
Page 23
[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 Pihak berelasi Rupiah 1,190,456,190,497 2,008,252,096,662 Rupiah Related parties Time deposits
berjangka Subtotal Seluruh Subtotal on all
1,190,456,190,497 2,008,252,096,662
Mata Uang Currencies
Pihak ketiga Rupiah 3,067,019,558,498 2,058,289,849,896 Rupiah Third
Subtotal Seluruh Subtotal on all parties
3,067,019,558,498 2,058,289,849,896
Mata Uang Currencies
Subtotal Seluruh Subtotal Seluruh Subtotal on all Subtotal on all
4,257,475,748,995 4,066,541,946,558
Pihak Mata Uang Currencies Parties
Page 24
[4624100] Notes to the financial statements - Annual average interest rate Third Party Funds - Financial and Sharia Industry
Page 25
[4624110] Disclosure of Notes to the financial statements - Third Party Funds - Financial and Sharia Industry
Page 26
[4631100] Notes to the financial statements - Interest and Sharia Income -
Financial and Sharia Industry
Pendapatan bunga dan syariah Interest and sharia income
30 September 2023 30 September 2022
Pendapatan bunga Interest income
Kredit yang diberikan 787,358,473,305 382,385,626,675 Loans interest income
Obligasi pemerintah Government bonds interest
168,435,449,860 34,190,110,681
income
Efek-efek 0 2,522,280,460 Marketable securities income
Penempatan pada Bank Placements with Bank
Indonesia dan bank lain 11,936,079,116 25,706,433,245 Indonesia and other banks
income
Lain-lain 8,918,589,740 47,452,441,870 Other interest income
Subtotal pendapatan bunga 976,648,592,021 492,256,892,931 Subtotal interest income
Total pendapatan bunga dan Total interest and sharia
976,648,592,021 492,256,892,931
syariah income
Page 27
[4631110] Disclosure of Interest and Sharia Income - Financial and Sharia Industry
Page 28
[4632100] Notes to the financial statements - Interest and Sharia Expense -
Financial and Sharia Industry
Beban bunga dan syariah Interest and sharia expense
30 September 2023 30 September 2022
Beban bunga Interest expense
Deposito berjangka Time deposits interest
189,828,223,664 72,955,762,656
expense
Tabungan Saving deposits interest
9,822,812,243 3,622,310,114
expense
Premi penjaminan dana pihak Premium on third party fund
8,703,413,889 3,896,995,080
ketiga guarantees
Giro Current accounts interest
1,955,169,208 317,216,349
expense
Lain-lain Others interest expense
9,566,299,899 5,380,655,778
interest expense
Subtotal beban bunga 219,875,918,903 86,172,939,977 Subtotal interest expense
Total beban bunga dan syariah Total interest and sharia
219,875,918,903 86,172,939,977
expense
Page 29
[4632110] Disclosure of Notes to the financial statements - Interest Expense - Financial and Sharia Industry
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