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Nomor Surat 009/BBSI/VII/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 6 Bulan yang berakhir pada 30/06/2023 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 June 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 II / Second Quarter
keuangan submissions
Tanggal awal periode berjalan January 01, 2023 Current period start date
Tanggal akhir periode berjalan June 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 June 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 June 2023 31 December 2022
Aset Assets
Kas 6,529,246,725 5,394,655,446 Cash
Cadangan kerugian Allowance for impairment
penurunan nilai pada losses for placements with
( 24,233,215 ) ( 202,385,696 )
penempatan pada bank other banks
lain
Efek-efek yang Marketable securities
diperdagangkan
Efek-efek yang Marketable securities third
diperdagangkan pihak 179,856,859,103 179,551,385,133 parties
ketiga
Cadangan kerugian Allowance for impairment
penurunan nilai pada losses for marketable
( 69,919,044 ) ( 69,552,236 )
efek-efek yang securities
diperdagangkan
Efek yang dibeli dengan janji Securities purchased under
1,594,791,311,000 1,795,183,426,500
dijual kembali agreement to resale
Pinjaman yang diberikan Loans
Pinjaman yang diberikan Loans third parties
965,897,221,812 617,056,483,360
pihak ketiga
Pinjaman yang diberikan Loans related parties
300,810,093,460 211,192,888,027
pihak berelasi
Cadangan kerugian Allowance for impairment
penurunan nilai pada ( 36,019,312,218 ) ( 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
1,977,476,740 2,493,365,741
goodwill goodwill
Aset tetap Property, plant, and
179,152,453,918 178,382,138,049
equipment
Aset lainnya 68,652,928,689 30,784,786,582 Other assets
Jumlah aset 3,375,137,166,140 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
24,147,393,138 6,525,023,284
immediately
Simpanan nasabah Customers deposits
Giro Current accounts
Giro pihak ketiga Current accounts
4,241,863,150 8,259,944,393
third parties
Giro pihak berelasi Current accounts
1,808,790,451 1,778,796,011
related parties
Tabungan Savings
Tabungan pihak Savings third
12,559,197,660 13,707,933,586
ketiga parties
Tabungan pihak Savings related
1,547,297,703 3,678,989,495
berelasi parties
Deposito berjangka Time deposits
Deposito berjangka Time deposits third
65,304,905,225 165,973,587,059
pihak ketiga parties
Page 5
Deposito berjangka Time deposits
129,369,229,283 39,907,634,765
pihak berelasi related parties
Utang pajak 3,743,441,937 1,836,363,764 Taxes payable
Liabilitas lainnya 3,110,071,594 340,474,332 Other liabilities
Kewajiban imbalan pasca Post-employment benefit
8,141,254,167 6,239,839,743
kerja obligations
Jumlah liabilitas 253,973,444,308 248,248,586,432 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 313,638,089,569 262,710,152,872 retained earnings
penggunaannya
Jumlah ekuitas yang Total equity
diatribusikan kepada attributable to equity
3,121,163,721,832 3,065,341,159,264
pemilik entitas induk owners of parent
entity
Jumlah ekuitas 3,121,163,721,832 3,065,341,159,264 Total equity
Jumlah liabilitas, dana Total liabilities, temporary
syirkah temporer dan 3,375,137,166,140 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 June 2023 30 June 2022
Pendapatan dan beban Operating income and
operasional expenses
Pendapatan bunga 152,606,449,324 75,192,085,187 Interest income
Beban bunga ( 3,074,618,392 ) ( 10,424,831,475 ) Interest expenses
Pendapatan operasional Other operating income
lainnya
Pendapatan provisi dan Provisions and
komisi dari transaksi commissions income from
896,290,930 1,943,891,490
lainnya selain kredit transactions other than
loan
Pendapatan operasional Other operating income
48,982,905 24,486,500
lainnya
Pemulihan penyisihan Recovery of impairment
kerugian penurunan nilai loss
Pemulihan penyisihan Recovery of impairment
kerugian penurunan nilai ( 29,411,733,058 ) loss of financial assets
aset keuangan
Beban operasional lainnya Other operating expenses
Beban umum dan General and
( 19,334,497,098 ) ( 4,240,670,263 )
administrasi administrative expenses
Beban operasional Other operating
( 27,167,307,925 ) ( 8,426,119,699 )
lainnya expenses
Jumlah laba operasional 74,563,566,686 54,068,841,740 Total profit from operation
Pendapatan dan beban bukan Non-operating income and
operasional expense
Pendapatan bukan Non-operating income
201,017,482 3,014,089
operasional
Beban bukan operasional ( 49,990,248 ) ( 126,844,091 ) Non-operating expenses
Jumlah laba (rugi) sebelum Total profit (loss) before tax
74,714,593,920 53,945,011,738
pajak penghasilan
Pendapatan (beban) pajak ( 16,437,210,662 ) ( 11,871,197,548 ) Tax benefit (expenses)
Jumlah laba (rugi) dari operasi Total profit (loss) from
58,277,383,258 42,073,814,190
yang dilanjutkan continuing operations
Jumlah laba (rugi) 58,277,383,258 42,073,814,190 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 komprehensif Other comprehensive
lainnya atas keuntungan income for gains (losses)
6,558,300,000
(kerugian) hasil revaluasi on revaluation of property
aset tetap, setelah pajak and equipment, after tax
Pendapatan komprehensif Other comprehensive
lainnya atas pengukuran income for
kembali kewajiban ( 395,627,036 ) remeasurement of defined
manfaat pasti, setelah benefit obligation, after tax
pajak
Jumlah pendapatan Total other
komprehensif lainnya comprehensive income
Page 7
yang tidak akan 6,162,672,964 that will not be
direklasifikasi ke laba reclassified to profit or
rugi, setelah pajak loss, after tax
Jumlah pendapatan Total other comprehensive
komprehensif lainnya, 6,162,672,964 income, after tax
setelah pajak
Jumlah laba rugi komprehensif 58,277,383,258 48,236,487,154 Total comprehensive income
Laba (rugi) yang dapat Profit (loss) attributable to
diatribusikan
Laba (rugi) yang dapat Profit (loss) attributable to
58,277,383,258 42,073,814,190
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 58,277,383,258 48,236,487,154 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 16 12 share from continuing
dilanjutkan operations
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[4410000] Statement of changes in equity - Financial and Sharia Industry - Current Year
30 June 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 ) 66,195,019,460 262,710,152,871 3,065,341,159,264 3,065,341,159,264
period
Posisi ekuitas, awal periode 330,725,097,300 2,226,140,762,994 36,747,232,800 147,662,219,863 ( 4,839,326,024 ) 66,195,019,460 262,710,152,871 3,065,341,159,264 3,065,341,159,264 Equity position, beginning of the period
Laba (rugi) 58,277,383,258 58,277,383,258 58,277,383,258 Profit (loss)
Pembentukan cadangan umum 7,349,446,560 ( 7,349,446,560 ) Allocation for general reserves
Kenaikan (penurunan) ekuitas melalui transaksi Increase (decrease) in equity through treasury
( 2,454,820,690 ) ( 2,454,820,690 ) ( 2,454,820,690 )
saham tresuri stock transactions
Kenaikan (penurunan) ekuitas melalui transaksi Increase (decrease) in equity through
36,747,232,800 ( 36,747,232,800 )
pembayaran berbasis saham share-based payment transactions
Posisi ekuitas, akhir periode 367,472,330,100 2,223,685,942,304 0 147,662,219,863 ( 4,839,326,024 ) 73,544,466,020 313,638,089,569 3,121,163,721,832 3,121,163,721,832 Equity position, end of the period
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[4410000] Statement of changes in equity - Financial and Sharia Industry - Prior Year
30 June 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 ) 60,580,588,100 192,322,777,637 2,069,516,926,971 2,069,516,926,971
period
Penyesuaian Adjustments
Penyesuaian lainnya ( 4,267,152,396 ) ( 4,267,152,396 ) ( 4,267,152,396 ) Other adjustments
Posisi ekuitas, awal periode 302,652,940,500 1,381,913,945,506 137,037,209,663 ( 4,990,534,435 ) 60,580,588,100 188,055,625,241 2,065,249,774,575 2,065,249,774,575 Equity position, beginning of the period
Laba (rugi) 42,073,814,190 42,073,814,190 42,073,814,190 Profit (loss)
Pendapatan komprehensif lainnya 6,558,300,000 ( 395,627,036 ) 6,162,672,964 6,162,672,964 Other comprehensive income
Pembentukan cadangan umum 5,614,431,360 5,614,431,360 5,614,431,360 Allocation for general reserves
Pembentukan cadangan khusus 0 Allocation for specific 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 ) 66,195,019,460 230,129,439,431 2,116,815,526,737 2,116,815,526,737 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 June 2023 30 June 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 142,665,810,722 71,845,450,374 income, fees and
komisi commissions received
Pembayaran bunga dan Payments Of Interest And
bonus, provisi dan komisi ( 3,060,441,972 ) ( 9,551,993,500 ) Bonus Fees And
Commissions
Pendapatan dari transaksi Income from other
945,273,835 646,650,475
operasional lainnya operating transactions
Penerimaan kembali aset Recoveries of written off
yang telah ( 9,499,881,552 ) assets
dihapusbukukan
Pembayaran atas beban Payments of finance costs
keuangan dan beban ( 2,040,026,467 ) and bank administration
administrasi bank charges
Pembayaran gaji dan Payments for salaries and
( 26,328,807,925 )
tunjangan allowances
Pembayaran pajak Payments for corporate
( 16,437,210,662 )
penghasilan badan income tax
Pembayaran beban umum Payments for general and
( 18,308,585,126 )
dan administrasi administrative expense
Pembayaran beban Payments for other
( 49,990,248 ) ( 12,174,933,425 )
operasional lainnya operating expenses
Penerimaan pendapatan Receipts from
178,779,028 14,089
non-operasional non-operating income
Penurunan (kenaikan) aset Decrease (increase) in
operasi operating assets
Penurunan (kenaikan) Decrease (increase) in
efek yang dibeli dengan 200,392,115,500 175,334,853,837 securities purchased
janji dijual kembali under resale agreements
Penurunan (kenaikan) Decrease (increase) in
wesel ekspor dan tagihan ( 28,103,877,891 ) bills and other receivables
lainnya
Penurunan (kenaikan) Decrease (increase) in
( 438,457,943,886 ) 16,939,874,231
pinjaman yang diberikan loans
Penurunan (kenaikan) Decrease (increase) in
( 1,382,908,854 )
aset lainnya other assets
Kenaikan (penurunan) Increase (decrease) in
liabilitas operasi operating liabilities
Kenaikan (penurunan) Increase (decrease) in
liabilitas segera 19,171,078,364 ( 1,224,371,570 ) obligations due
immediately
Kenaikan (penurunan) giro Increase (decrease) in
dan tabungan simpanan ( 15,695,304,118 ) 507,527,411,788 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 1,894,097,315 ( 10,843,840 ) other liabilities
Jumlah arus kas bersih Total net cash flows
yang diperoleh dari received from (used in)
( 181,500,481,035 ) 735,909,295,586
(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 ( 1,355,106,268 ) ( 1,402,042,650 ) (acquisition) of property and
equipment
Penerimaan (pengeluaran) Other cash inflows (outflows)
kas lainnya dari aktivitas ( 7,280,460 ) from investing activities
investasi
Jumlah arus kas bersih Total net cash flows
yang diperoleh dari received from (used in)
( 1,355,106,268 ) ( 1,409,323,110 )
(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)
( 185,310,407,993 ) 732,214,806,124
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
118,894,597,851 850,458,601,462
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 June 2023
Aset tetap Property, plant, and equipment
Penjabaran Penurunan
Entitas anak
Aset tetap, awal Penambahan aset Pengurangan Reklasifikasi aset laporan Revaluasi (pemulihan) Aset tetap, akhir
baru aset
periode tetap aset tetap tetap keuangan aset tetap nilai aset periode
tetap
aset tetap tetap
Translation New
Revaluation of Impairment
Property, plant, and Addition in Disposals in Reclassifications adjustment in subsidiaries in Property, plant, and
property, (recovery) of
equipment, beginning property, plant, and property, plant, of property, plant, property, property, equipment, end
plant, and property, plant,
period equipment and equipment and equipment plant, and plant, and period
equipment and equipment
equipment equipment
Nilai Tanah, dimiliki Land, directly Carrying
171,066,000,000 171,066,000,000
perolehan, langsung owned amount, gross
kotor Bangunan dan Building and
fasilitasnya, leasehold
11,173,769,467 1,164,557,568 ( 11,500,000 ) 12,326,827,035
dimiliki langsung improvement,
directly owned
Mesin dan Machinery and
peralatan, dimiliki 0 equipment,
langsung directly owned
Alat berat, Heavy
dimiliki langsung 0 equipment,
directly owned
Alat Transportation
pengangkutan, 0 equipment,
dimiliki langsung directly owned
Perabot dan Furniture and
peralatan kantor, 4,103,941,981 741,048,700 ( 77,663,146 ) 4,767,327,535 office equipment,
dimiliki langsung directly owned
Kendaraan Motor vehicle,
( 678,340,000
bermotor, dimiliki 3,324,045,999 2,645,705,999 directly owned
)
langsung
Pesawat, dimiliki Aircraft, directly
0
langsung owned
Kapal, dimiliki Vessels, directly
0
langsung owned
Lainnya, dimiliki Others, directly
0
langsung owned
Page 14
Dimiliki 189,667,757,447 1,905,606,268 ( 767,503,146 0 190,805,860,569 Directly owned
langsung )
Aset tetap ( 767,503,146 Property, plant,
189,667,757,447 1,905,606,268 0 0 0 0 (0) 190,805,860,569
) and equipment
Akumulasi Tanah, dimiliki Land, directly Carrying
0
depresiasi langsung owned amount,
Bangunan dan Building and accumulated
fasilitasnya, leasehold depreciation
6,261,825,668 299,742,558 6,561,568,226
dimiliki langsung improvement,
directly owned
Mesin dan Machinery and
peralatan, dimiliki 0 equipment,
langsung directly owned
Alat berat, Heavy
dimiliki langsung 0 equipment,
directly owned
Alat Transportation
pengangkutan, 0 equipment,
dimiliki langsung directly owned
Perabot dan Furniture and
peralatan kantor, 3,775,175,925 216,096,244 ( 89,163,120 ) 3,902,109,049 office equipment,
dimiliki langsung directly owned
Kendaraan Motor vehicle,
( 298,243,516
bermotor, dimiliki 1,248,617,805 239,355,087 1,189,729,376 directly owned
)
langsung
Pesawat, dimiliki Aircraft, directly
0
langsung owned
Kapal, dimiliki Vessels, directly
0
langsung owned
Lainnya, dimiliki Others, directly
0
langsung owned
Dimiliki ( 387,406,636 Directly owned
11,285,619,398 755,193,889 11,653,406,651
langsung )
Aset tetap ( 387,406,636 Property, plant,
11,285,619,398 755,193,889 0 0 0 0 (0) 11,653,406,651
) and equipment
Nilai Aset tetap Property, plant, Carrying
178,382,138,049 179,152,453,918
perolehan and equipment amount
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 Tanah, dimiliki langsung 0 Land, directly owned Carrying amount,
Bangunan dan Building and leasehold accumulated
fasilitasnya, dimiliki 5,728,271,612 533,554,056 6,261,825,668 improvement, directly depreciation
langsung owned
Mesin dan peralatan, Machinery and
Page 16
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 4,763,531,662 197,390,209 ( 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
[4612100a] Notes to the financial statements - Loans and Sharia receivables/financing - by type - Financial and Sharia Industry
30 June 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 446,264,026,032 4,097,291,105 450,361,317,137 Working capital Rupiah
Investasi 88,510,244,382 1,081,566,894 648,137,921 90,239,949,197 Investment
Sindikasi 0 Syndicated
Program pemerintah Government
0
programs
Karyawan 0 Employee
Ekspor 0 Export
Subtotal pinjaman Others, subtotal
0
lainnya loans
Konsumen 669,767,273,386 47,179,244,230 6,232,416,169 1,190,300,284 1,736,814,869 726,106,048,938 Consumer
Subtotal Pinjaman Subtotal Loans by
1,204,541,543,800 52,358,102,229 6,232,416,169 1,190,300,284 2,384,952,790 1,266,707,315,272
berdasarkan tipe type
Subtotal Seluruh Subtotal Pinjaman Subtotal Loans by Subtotal on all
1,204,541,543,800 52,358,102,229 6,232,416,169 1,190,300,284 2,384,952,790 1,266,707,315,272
Mata Uang berdasarkan tipe type Currencies
30 June 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 1,204,541,543,800 52,358,102,229 6,232,416,169 1,190,300,284 2,384,952,790 1,266,707,315,272 Total loans, gross
Cadangan kerugian Allowance for impairment
penurunan nilai pada ( 14,070,829,381 ) ( 21,706,119,926 ) ( 83,314,419 ) ( 13,119,772 ) ( 145,928,720 ) ( 36,019,312,218 ) losses for loans
pinjaman yang diberikan
Total pinjaman, bersih 1,190,470,714,419 30,651,982,303 6,149,101,750 1,177,180,512 2,239,024,070 1,230,688,003,054 Total loans, net
Page 19
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 20
[4613100a] Notes to the financial statements - Loans and Sharia receivables/financing - by Economic Sector - Financial and Sharia Industry
30 June 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 55,391,886,238 55,391,886,238 Manufacturing Rupiah
Perdagangan, Trading, restaurants
110,775,504,124 397,333,336 111,172,837,460
restoran dan hotel and hotels
Pertanian 0 Agriculture
Jasa dunia usaha 236,042,613,752 3,699,957,769 239,742,571,521 Business services
Konstruksi 39,120,991,141 1,081,566,894 40,202,558,035 Construction
Pengangkutan, Transportation,
pergudangan dan 648,137,921 648,137,921 warehousing and
komunikasi communications
Listrik, gas dan air Electricity, gas and
0
water
Jasa sosial 1,275,761,661 1,275,761,661 Social services
Pertambangan 630,706,118 630,706,118 Mining
Properti 91,536,807,380 91,536,807,380 Property
Lain-lain 669,767,273,386 47,179,244,230 6,232,416,169 1,190,300,284 1,736,814,869 726,106,048,938 Other sectors
Subtotal Pinjaman Subtotal Loans by
berdasarkan sektor 1,204,541,543,800 52,358,102,229 6,232,416,169 1,190,300,284 2,384,952,790 1,266,707,315,272 economic sector
ekonomi
Subtotal Seluruh Subtotal Pinjaman Subtotal Loans by Subtotal on all
Mata Uang berdasarkan sektor 1,204,541,543,800 52,358,102,229 6,232,416,169 1,190,300,284 2,384,952,790 1,266,707,315,272 economic sector Currencies
ekonomi
30 June 2023
Pinjaman berdasarkan sektor ekonomi Loans by economic sector
Current Special mention Substandard Doubtful Loss Total Loans by collectibility
Jumlah Pinjaman
Page 21
Lancar Dalam perhatian khusus Kurang lancar Diragukan Macet berdasarkan kolektibilitas
Total pinjaman, kotor 1,204,541,543,800 52,358,102,229 6,232,416,169 1,190,300,284 2,384,952,790 1,266,707,315,272 Total loans, gross
Cadangan kerugian Allowance for impairment
penurunan nilai pada ( 14,070,829,381 ) ( 21,706,119,926 ) ( 83,314,419 ) ( 13,119,772 ) ( 145,928,720 ) ( 36,019,312,218 ) losses for loans
pinjaman yang diberikan
Total pinjaman, bersih 1,190,470,714,419 30,651,982,303 6,149,101,750 1,177,180,512 2,239,024,070 1,230,688,003,054 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 22
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 23
[4614100] Notes to the financial statements - Loans and Sharia
receivables/financing - Other Information - Financial and Sharia Industry
Informasi penting lainnya Loans other information
30 June 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 29,496,943,576 ( 1,198,000,977 ) allowance for impairment
losses on loans
Cadangan kerugian Allowance for impairment
36,019,312,218 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 24
[4614110] Disclosure of Notes to the financial statements - Loans and Sharia receivables/financing - Financial and Sharia Industry
Page 25
[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 June 2023 31 December 2022
Giro Pihak berelasi Rupiah 1,808,790,451 1,778,796,011 Rupiah Related parties Current accounts
Subtotal Seluruh Subtotal on all
1,808,790,451 1,778,796,011
Mata Uang Currencies
Pihak ketiga Rupiah 4,241,863,150 8,259,944,394 Rupiah Third
Subtotal Seluruh Subtotal on all parties
4,241,863,150 8,259,944,394
Mata Uang Currencies
Subtotal Seluruh Subtotal Seluruh Subtotal on all Subtotal on all
6,050,653,601 10,038,740,405
Pihak Mata Uang Currencies Parties
Page 26
[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 June 2023 31 December 2022
Tabungan Pihak berelasi Rupiah 1,547,297,703 3,678,989,495 Rupiah Related parties Savings deposits
Subtotal Seluruh Subtotal on all
1,547,297,703 3,678,989,495
Mata Uang Currencies
Pihak ketiga Rupiah 12,559,197,660 13,707,933,586 Rupiah Third
Subtotal Seluruh Subtotal on all parties
12,559,197,660 13,707,933,586
Mata Uang Currencies
Subtotal Seluruh Subtotal Seluruh Subtotal on all Subtotal on all
14,106,495,363 17,386,923,081
Pihak Mata Uang Currencies Parties
Page 27
[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 June 2023 31 December 2022
Deposito berjangka Pihak berelasi Rupiah 129,369,229,283 39,907,634,765 Rupiah Related parties Time deposits
Subtotal Seluruh Subtotal on all
129,369,229,283 39,907,634,765
Mata Uang Currencies
Pihak ketiga Rupiah 65,304,905,225 165,973,587,059 Rupiah Third
Subtotal Seluruh Subtotal on all parties
65,304,905,225 165,973,587,059
Mata Uang Currencies
Subtotal Seluruh Subtotal Seluruh Subtotal on all Subtotal on all
194,674,134,508 205,881,221,824
Pihak Mata Uang Currencies Parties
Page 28
[4624100] Notes to the financial statements - Annual average interest rate Third Party Funds - Financial and Sharia Industry
Page 29
[4624110] Disclosure of Notes to the financial statements - Third Party Funds - Financial and Sharia Industry
Pengungkapan Disclosure
30 June 2023
Pengungkapan catatan atas dana pihak ketiga Liabilitas Keuangan dan Instrumen Ekuitas Liabilitas keuangan awalnya diukur sebesar nilai wajarnya. Disclosure of notes for third party funds
Biaya transaksi yang dapat diatribusikan secara langsung dengan perolehan atau penerbitan liabilitas
keuangan (selain liabilitas keuangan yang diukur pada nilai wajar melalui laba rugi) ditambahkan atau
dikurangkan dari nilai wajar liabilitas keuangan, yang sesuai, pada pengakuan awal. Biaya transaksi
yang dapat diatribusikan secara langsung dengan perolehan liabilitas keuangan yang diukur pada nilai
wajar melalui laba rugi langsung diakui dalam laba rugi. Klasifikasi sebagai liabilitas atau ekuitas
Liabilitas keuangan dan instrumen ekuitas yang diterbitkan oleh Bank diklasifikasi sesuai dengan
substansi perjanjian kontraktual dan definisi liabilitas keuangan dan instrumen ekuitas. Instrumen
ekuitas Instrumen ekuitas adalah setiap kontrak yang memberikan hak residual atas aset Bank setelah
dikurangi dengan seluruh liabilitasnya. Instrumen ekuitas dicatat sebesar hasil penerimaan bersih
setelah dikurangi biaya penerbitan langsung. Liabilitas keuangan Liabilitas keuangan diklasifikasikan
sebagai biaya perolehan diamortisasi. Liabilitas keuangan pada biaya perolehan diamortisasi Pada
saat pengakuan awal, liabilitas keuangan yang diukur pada biaya perolehan yang diamortisasi, diakui
pada nilai wajarnya. Nilai wajar tersebut dikurangi biaya transaksi yang dapat diatribusikan secara
langsung dengan penerbitan liabilitas keuangan tersebut. Selanjutnya, liabilitas keuangan diukur pada
biaya perolehan diamortisasi dengan menggunakan metode suku bunga efektif, dimana beban bunga
diakui berdasarkan tingkat pengembalian yang efektif, kecuali untuk liabilitas jangka pendek dimana
pengakuan bunganya tidak material. Metode suku bunga efektif Metode suku bunga efektif adalah
metode yang digunakan untuk menghitung biaya perolehan diamortisasi dari liabilitas keuangan dan
metode untuk mengalokasikan biaya bunga selama periode yang relevan. Suku bunga efektif adalah
suku bunga yang secara tepat mendiskontokan estimasi pembayaran kas masa depan (mencakup
seluruh komisi dan bentuk lain yang dibayarkan dan diterima yang merupakan bagian yang tak
terpisahkan dari suku bunga efektif, biaya transaksi dan premium dan diskonto lainnya) selama
perkiraan umur liabilitas keuangan, atau (jika lebih tepat) digunakan periode yang lebih singkat untuk
memperoleh nilai tercatat bersih pada saat pengakuan awal. Keuntungan dan kerugian kurs mata uang
asing Untuk liabilitas keuangan dalam mata uang asing dan diukur pada biaya perolehan diamortisasi
pada setiap tanggal pelaporan, keuntungan atau kerugian kurs mata uang asing ditentukan
berdasarkan biaya perolehan diamortisasi dari instrumen. Keuntungan atau kerugian kurs mata uang
asing diakui dalam laba rugi untuk liabilitas keuangan. Nilai wajar liabilitas keuangan dalam mata uang
asing ditentukan dalam mata uang asing tersebut dan dijabarkan pada kurs yang berlaku pada akhir
periode pelaporan. Penghentian pengakuan liabilitas keuangan Bank menghentikan pengakuan
liabilitas keuangan, jika dan hanya jika, liabilitas Bank telah dilepaskan, dibatalkan atau kadaluarsa.
Selisih antara jumlah tercatat liabilitas keuangan yang dihentikan pengakuannya dan imbalan yang
dibayarkan dan utang diakui dalam laba rugi. Nilai Wajar Nilai wajar adalah harga yang akan diterima
untuk menjual suatu aset atau harga yang akan dibayar untuk mengalihkan suatu liabilitas dalam
transaksi teratur antara pelaku pasar pada tanggal pengukuran tanpa memperhatikan apakah harga
tersebut dapat diobservasi secara langsung atau diestimasi menggunakan teknik penilaian lain. Dalam
mengukur nilai wajar atas suatu aset atau liabilitas pada tanggal pengukuran, Bank memperhitungkan
karakteristik suatu aset atau liabilitas jika pelaku pasar akan memperhitungkan karakteristik tersebut
ketika menentukan harga aset atau liabilitas pada tanggal pengukuran. Dalam rangka konsistensi dan
Page 30
perbandingan dalam pengukuran nilai wajar dan pengungkapan terkait, Bank melakukan pengukuran nilai wajar atas instrumen keuangan yang dimiliki dengan hirarki berikut: ? Pengukuran nilai wajar level 1 adalah yang berasal dari harga kuotasian (tanpa penyesuaian) di pasar aktif untuk aset atau liabilitas yang identik; dimana Bank dapat mengakses pada tanggal pengukuran; ? Pengukuran nilai wajar level 2 adalah yang berasal dari input selain harga kuotasian yang termasuk dalam level 1 yang dapat diobservasi untuk aset atau liabilitas, baik secara langsung (misalnya harga) atau secara tidak langsung (misalnya deviasi dari harga); dan ? Pengukuran nilai wajar level 3 adalah yang berasal dari teknik penilaian yang mencakup input untuk aset atau liabilitas yang bukan berdasarkan data pasar yang dapat diobservasi (input yang tidak dapat diobservasi).
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