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Nomor Surat 015/FA-KP/VII/2023
Nama Emiten PT Bank QNB Indonesia Tbk
Kode Emiten BKSW
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 :
No Nama Kegiatan Lokasi Tahun Status Jumlah Aset Satuan Mata Persentase
Usaha Komersil Operasi Uang (%)
1 PT Bank QNB Keuangan Revenue 2023 14.393.427 JUTAAN IDR
Indonesia Tbk Tower 8th
Floor District 8
SBCD Lot 13
Dokumen ini merupakan dokumen resmi PT Bank QNB Indonesia Tbk yang tidak memerlukan tanda tangan karena dihasilkan secara elektronik.
PT Bank QNB 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 Bank QNB 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 BKSW Entity code
Nomor identifikasi entitas AA402 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
Foreign Corporation
pengendali
Jenis entitas Local Company - Indonesia Type of entity
Jurisdiction
Jenis efek yang dicatatkan Saham dan Obligasi / Stock and Type of listed securities
Bond
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 Jutaan / In Million 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 Tidak / No 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
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Nama partner audit tahun berjalan Name of current year audit signing
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 30,716 33,354 Cash
Giro pada bank lain Current accounts with other
banks
Giro pada bank lain pihak Current accounts with
110,402 148,042
ketiga other banks third parties
Giro pada bank lain pihak Current accounts with
306 338
berelasi other banks related parties
Cadangan kerugian Allowance for impairment
penurunan nilai pada giro ( 26 ) ( 33 ) losses for current
pada bank lain accounts with other bank
Efek-efek yang Marketable securities
diperdagangkan
Efek-efek yang Marketable securities third
diperdagangkan pihak 390,009 514,182 parties
ketiga
Cadangan kerugian Allowance for impairment
penurunan nilai pada losses for marketable
( 195 )
efek-efek yang securities
diperdagangkan
Efek yang dibeli dengan janji Securities purchased under
3,747,742 3,072,222
dijual kembali agreement to resale
Tagihan akseptasi Acceptance receivables
Tagihan akseptasi pihak Acceptance receivables
201,233 188,512
ketiga third parties
Cadangan kerugian Allowance for impairment
penurunan nilai pada ( 254 ) ( 217 ) losses for acceptance
tagihan akseptasi receivables
Tagihan derivatif Derivative receivables
Tagihan derivatif pihak Derivative receivables
54 108
ketiga third parties
Pinjaman yang diberikan Loans
Pinjaman yang diberikan Loans third parties
6,846,280 9,168,584
pihak ketiga
Pinjaman yang diberikan Loans related parties
2,196 493,666
pihak berelasi
Cadangan kerugian Allowance for impairment
penurunan nilai pada ( 440,973 ) ( 406,127 ) losses for loans
pinjaman yang diberikan
Biaya dibayar dimuka 50,029 22,687 Prepaid expenses
Aset pajak tangguhan 263,046 272,500 Deferred tax assets
Aset takberwujud selain Intangible assets other than
59,718 57,148
goodwill goodwill
Aset tetap Property, plant, and
254,648 275,398
equipment
Agunan yang diambil alih 327,239 665,046 Foreclosed assets
Aset lainnya 654,921 259,177 Other assets
Jumlah aset 14,393,427 16,717,087 Total assets
Liabilitas, dana syirkah Liabilities, temporary syirkah
temporer dan ekuitas funds and equity
Liabilitas Liabilities
Liabilitas segera Obligations due
Page 5
33,414 24,028 immediately
Simpanan nasabah Customers deposits
Giro Current accounts
Giro pihak ketiga Current accounts
1,167,911 1,612,151
third parties
Giro pihak berelasi Current accounts
26,460 17,432
related parties
Tabungan Savings
Tabungan pihak Savings third
441,221 405,030
ketiga parties
Tabungan pihak Savings related
392 384
berelasi parties
Deposito berjangka Time deposits
Deposito berjangka Time deposits third
7,554,217 8,490,032
pihak ketiga parties
Deposito berjangka Time deposits
67,445 79,595
pihak berelasi related parties
Simpanan dari bank lain Other banks deposits
Simpanan dari bank Other banks deposits
365 22
lain pihak berelasi related parties
Simpanan dari bank Other banks deposits
4,154 7,280
lain pihak ketiga third parties
Liabilitas derivatif Derivative payables
Liabilitas derivatif pihak Derivative payables
90
ketiga third parties
Liabilitas akseptasi Acceptance liabilities
Liabilitas akseptasi Acceptance liabilities
21,475 26,336
pihak berelasi related parties
Pinjaman yang diterima Borrowings
Pinjaman yang Borrowings third
1,000,000
diterima pihak ketiga parties
Liabilitas lainnya 268,321 333,222 Other liabilities
Kewajiban imbalan pasca Post-employment benefit
71,556 68,066
kerja obligations
Jumlah liabilitas 9,656,931 12,063,668 Total liabilities
Ekuitas Equity
Ekuitas yang Equity attributable to
diatribusikan kepada equity owners of parent
pemilik entitas induk entity
Saham biasa 8,789,512 5,109,171 Common stocks
Tambahan modal Additional paid-in
( 33,588 ) ( 30,150 )
disetor capital
Uang muka setoran Advances in capital
3,652 3,683,926
modal stock
Cadangan perubahan Reserve for changes in
nilai wajar aset fair value of fair value
keuangan nilai wajar 61,697 28,183 through other
melalui pendapatan comprehensive income
komprehensif lainnya financial assets
Saldo laba Retained earnings
(akumulasi kerugian) (deficit)
Saldo laba yang Appropriated
telah ditentukan retained earnings
penggunaanya
Cadangan General and
6,396 6,396
umum dan wajib legal reserves
Saldo laba yang Unappropriated
belum ditentukan retained earnings
( 4,091,173 ) ( 4,144,107 )
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penggunaannya
Jumlah ekuitas yang Total equity
diatribusikan kepada attributable to equity
4,736,496 4,653,419
pemilik entitas induk owners of parent
entity
Jumlah ekuitas 4,736,496 4,653,419 Total equity
Jumlah liabilitas, dana Total liabilities, temporary
syirkah temporer dan 14,393,427 16,717,087 syirkah funds and equity
ekuitas
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[4322000] Statement of profit or loss and other comprehensive income, OCI
components presented before tax, by nature - Financial and Sharia Industry
Laporan laba rugi dan penghasilan Statement of profit or loss and other
komprehensif lain comprehensive income
30 June 2023 30 June 2022
Pendapatan dan beban Operating income and
operasional expenses
Pendapatan bunga 528,053 435,348 Interest income
Beban bunga ( 265,527 ) ( 215,387 ) Interest expenses
Pendapatan operasional Other operating income
lainnya
Pendapatan provisi dan Provisions and
komisi dari transaksi commissions income from
33,519 32,192
lainnya selain kredit transactions other than
loan
Keuntungan (kerugian) Gains (losses) on changes
selisih kurs mata uang 13,304 7,720 in foreign exchange rates
asing
Pendapatan operasional Other operating income
86,302 154,417
lainnya
Pembentukan kerugian Allowances for impairment
penurunan nilai losses
Pembentukan penyisihan Allowances for impairment
kerugian penurunan nilai ( 55,543 ) ( 124,163 ) losses on earnings assets
aset produktif
Beban operasional lainnya Other operating expenses
Beban umum dan General and
( 99,430 ) ( 86,230 )
administrasi administrative expenses
Beban operasional Other operating
( 187,744 ) ( 151,427 )
lainnya expenses
Jumlah laba operasional 52,934 52,470 Total profit from operation
Jumlah laba (rugi) sebelum Total profit (loss) before tax
52,934 52,470
pajak penghasilan
Jumlah laba (rugi) dari operasi Total profit (loss) from
52,934 52,470
yang dilanjutkan continuing operations
Jumlah laba (rugi) 52,934 52,470 Total profit (loss)
Pendapatan komprehensif Other comprehensive income,
lainnya, sebelum pajak before tax
Pendapatan komprehensif Other comprehensive
lainnya yang akan income that may be
direklasifikasi ke laba rugi, reclassified to profit or
sebelum pajak loss, before tax
Jumlah pendapatan Total other
komprehensif lainnya comprehensive income
yang akan direklasifikasi 42,967 ( 14,149 ) that may be reclassified
ke laba rugi, sebelum to profit or loss, before
pajak tax
Jumlah pendapatan Total other comprehensive
komprehensif lainnya, 42,967 ( 14,149 ) income, before tax
sebelum pajak
Pajak atas pendapatan Tax on other comprehensive
( 9,453 ) 3,113
komprehensif lainnya income
Jumlah pendapatan Total other comprehensive
komprehensif lainnya, setelah 33,514 ( 11,036 ) income, after tax
pajak
Jumlah laba rugi komprehensif 86,448 41,434 Total comprehensive income
Page 8
Laba (rugi) yang dapat Profit (loss) attributable to
diatribusikan
Laba (rugi) yang dapat Profit (loss) attributable to
52,934 52,470
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 86,448 41,434 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 2.24 3.18 share from continuing
dilanjutkan operations
Laba (rugi) per saham Diluted earnings (loss) per
dilusian share
Laba (rugi) per saham Diluted earnings (loss) per
dilusian dari operasi yang 2.24 3.18 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
Cadangan perubahan
Saldo laba yang telah
nilai wajar aset Saldo laba yang belum Ekuitas yang dapat
Tambahan modal Uang muka setoran ditentukan
Saham biasa keuangan nilai wajar ditentukan diatribusikan kepada Ekuitas
disetor modal penggunaannya-cadangan
melalui pendapatan penggunaannya entitas induk
umum dan wajib
komprehensif lainnya
Reserve for changes in
fair value of fair value Appropriated retained
Additional paid-in Advances in capital Unappropriated retained Equity attributable to
Common stocks through other earnings-general and legal Equity
capital stock earnings parent entity
comprehensive income reserves
financial assets
Posisi ekuitas Equity position
Saldo awal periode sebelum penyajian kembali 5,109,171 ( 30,150 ) 3,683,926 28,183 6,396 ( 4,144,107 ) 4,653,419 4,653,419 Balance before restatement at beginning of period
Posisi ekuitas, awal periode 5,109,171 ( 30,150 ) 3,683,926 28,183 6,396 ( 4,144,107 ) 4,653,419 4,653,419 Equity position, beginning of the period
Laba (rugi) 52,934 52,934 52,934 Profit (loss)
Pendapatan komprehensif lainnya 33,514 33,514 33,514 Other comprehensive income
Penerbitan saham biasa 3,680,341 ( 3,680,274 ) 67 67 Issuance of common stocks
Biaya emisi efek ( 3,438 ) ( 3,438 ) ( 3,438 ) Stock issuance costs
Posisi ekuitas, akhir periode 8,789,512 ( 33,588 ) 3,652 61,697 6,396 ( 4,091,173 ) 4,736,496 4,736,496 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 perubahan
Saldo laba yang telah
nilai wajar aset Saldo laba yang belum Ekuitas yang dapat
Tambahan modal Uang muka setoran ditentukan
Saham biasa keuangan nilai wajar ditentukan diatribusikan kepada Ekuitas
disetor modal penggunaannya-cadangan
melalui pendapatan penggunaannya entitas induk
umum dan wajib
komprehensif lainnya
Reserve for changes in
fair value of fair value Appropriated retained
Additional paid-in Advances in capital Unappropriated retained Equity attributable to
Common stocks through other earnings-general and legal Equity
capital stock earnings parent entity
comprehensive income reserves
financial assets
Posisi ekuitas Equity position
Saldo awal periode sebelum penyajian kembali 5,109,171 ( 30,150 ) 2,683,926 8,605 6,396 ( 3,751,400 ) 4,026,548 4,026,548 Balance before restatement at beginning of period
Posisi ekuitas, awal periode 5,109,171 ( 30,150 ) 2,683,926 8,605 6,396 ( 3,751,400 ) 4,026,548 4,026,548 Equity position, beginning of the period
Laba (rugi) 52,470 52,470 52,470 Profit (loss)
Pendapatan komprehensif lainnya ( 11,036 ) ( 11,036 ) ( 11,036 ) Other comprehensive income
Posisi ekuitas, akhir periode 5,109,171 ( 30,150 ) 2,683,926 ( 2,431 ) 6,396 ( 3,698,930 ) 4,067,982 4,067,982 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 563,403 468,181 income, fees and
komisi commissions received
Pembayaran bunga dan Payments Of Interest And
bonus, provisi dan komisi ( 274,071 ) ( 217,664 ) Bonus Fees And
Commissions
Pembayaran gaji dan Payments for salaries and
( 141,145 ) ( 148,600 )
tunjangan allowances
Pembayaran beban Payments for other
( 127,857 ) 40,178
operasional lainnya operating expenses
Penerimaan Other cash inflows
(pengeluaran) kas lainnya 130,418 154,532 (outflows) from operating
dari aktivitas operasi activities
Penurunan (kenaikan) aset Decrease (increase) in
operasi operating assets
Penurunan (kenaikan) Decrease (increase) in
efek yang dibeli dengan ( 675,520 ) 829,969 securities purchased
janji dijual kembali under resale agreements
Penurunan (kenaikan) Decrease (increase) in
( 12,721 ) ( 180,966 )
tagihan akseptasi acceptance receivables
Penurunan (kenaikan) Decrease (increase) in
2,793,664 ( 46,101 )
pinjaman yang diberikan loans
Penurunan (kenaikan) Decrease (increase) in
( 83,575 ) ( 12,160 )
aset lainnya other assets
Kenaikan (penurunan) Increase (decrease) in
liabilitas operasi operating liabilities
Kenaikan (penurunan) Increase (decrease) in
liabilitas segera 9,386 406 obligations due
immediately
Kenaikan (penurunan) giro Increase (decrease) in
dan tabungan simpanan ( 399,013 ) ( 94,823 ) current accounts and
nasabah customers savings
Kenaikan (penurunan) Increase (decrease) in
deposito berjangka ( 947,965 ) ( 1,675,791 ) customers time deposits
nasabah
Kenaikan (penurunan) Increase (decrease) in
simpanan dari bank lain ( 2,783 ) 3,348 other banks saving
deposits
Kenaikan (penurunan) Increase (decrease) in
( 4,861 ) ( 3,171 )
liabilitas akseptasi acceptance payables
Kenaikan (penurunan) Increase (decrease) in
( 59,093 ) ( 182,290 )
liabilitas lainnya other liabilities
Jumlah arus kas bersih Total net cash flows
yang diperoleh dari received from (used in)
768,267 ( 1,064,952 )
(digunakan untuk) aktivitas operating activities
operasi
Arus kas dari aktivitas Cash flows from investing
investasi activities
Page 12
Penerimaan dari penjualan Proceeds from disposal
(perolehan) aset tetap 367 ( 5,184 ) (acquisition) of property and
equipment
Penerimaan dari penjualan Proceeds from disposal
(perolehan) aset takberwujud ( 65 ) ( 5,691 ) (acquisition) of intangible
selain goodwill assets other than goodwill
Pencairan (penempatan) Withdrawal (placement) of
efek-efek yang ( 57,045 ) marketable securities
diperdagangkan
Penerimaan (pengeluaran) Other cash inflows (outflows)
kas lainnya dari aktivitas 122,807 636,662 from investing activities
investasi
Jumlah arus kas bersih Total net cash flows
yang diperoleh dari received from (used in)
123,109 568,742
(digunakan untuk) aktivitas investing activities
investasi
Arus kas dari aktivitas Cash flows from financing
pendanaan activities
Pembayaran pinjaman yang Payments for borrowings
( 1,000,000 )
diterima
Penerimaan dari penerbitan Proceeds from issuance of
3,680,341
saham baru new stocks
Pembayaran biaya emisi Payments of stock issuance
( 3,438 )
saham costs
Penerimaan setoran modal Proceeds from capital
( 3,680,274 )
contributions
Jumlah arus kas bersih Total net cash flows
yang diperoleh dari received from (used in)
( 1,003,371 )
(digunakan untuk) aktivitas financing activities
pendanaan
Jumlah kenaikan (penurunan) Total net increase (decrease)
( 111,995 ) ( 496,210 )
bersih kas dan setara kas in cash and cash equivalents
Kas dan setara kas arus kas, Cash and cash equivalents cash
2,134,396 2,764,478
awal periode flows, beginning of the period
Efek perubahan nilai kurs pada Effect of exchange rate changes
15,131 ( 4,047 )
kas dan setara kas on cash and cash equivalents
Kas dan setara kas arus kas, Cash and cash equivalents
2,037,532 2,264,221
akhir periode cash flows, end of the period
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[4610000] Explanation for Significant Accounting Policy - Financial and Sharia Industry
Kebijakan akuntansi signifikan Significant accounting policies
30 June 2023
Dasar penyusunan laporan keuangan Catatan 2.b. Basis of preparation of consolidated financial
konsolidasian statements
Kas dan setara kas Catatan 5. Cash and cash equivalents
Aset tetap Catatan 15. Fixed assets
Penurunan nilai aset nonkeuangan Catatan 31. Impairment of non-financial assets
Beban tangguhan Catatan 23. Deferred charges
Pengakuan pendapatan dan beban Catatan 29. Revenue and expense recognition
Penjabaran mata uang asing Catatan 2. Foreign currency translation
Page 14
Transaksi dengan pihak berelasi Catatan 37. Transactions with related parties Pajak penghasilan Catatan 23. Income taxes Pinjaman Catatan 22. Borrowings Provisi Catatan 30. Provisions Imbalan kerja karyawan Catatan 32. Employee benefits Laba per saham Catatan 34. Earnings per share Pelaporan segmen Catatan 41. Segment reporting
Page 15
Instrumen keuangan derivatif Catatan 9. Derivative financial instruments
Penerapan standar akutansi baru Catatan 2. The implementation of new statements of
accounting standards
Penentuan nilai wajar Catatan 4. Determination of fair value
Transaksi dan saldo dalam mata uang asing Catatan 2. Foreign currency transactions and balances
Giro pada Bank Indonesia dan bank lain Catatan 6. Current accounts with Bank Indonesia and
other banks
Penempatan pada Bank Indonesia dan bank lain Catatan 8. Placements with Bank Indonesia and other
banks
Efek-efek Catatan 13. Securities
Page 16
Aset hak guna Catatan 15. Right of use assets
Aset takberwujud Catatan 16. Intangible assets
Beban dibayar dimuka Catatan 14. Prepaid expenses
Simpanan nasabah dan simpanan dari bank lain Catatan 20. Deposits from customers and deposits from
other banks
Efek-efek yang dibeli dengan janji dibeli kembali Catatan 11. Securities purchased under resell agreements
Modal saham Catatan 26. Share capital
Biaya emisi efek ekuitas Catatan 2 dan catatan 27. Stock issuance cost
Instrumen keuangan Catatan 2 Financial instruments
Page 17
Peristiwa setelah tanggal periode pelaporan Catatan 44. Events after reporting period Penerapan standar akuntansi baru Catatan 2. Adoption of new accounting standards Standar akuntansi yang telah disahkan namun Catatan 43. Accounting standards issued but not yet belum berlaku efektif effective
Page 18
[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
Aset tetap, awal periode Penambahan aset tetap Pengurangan aset tetap Aset tetap, akhir periode
Property, plant, and
Addition in property, plant, Disposals in property, Property, plant, and
equipment, beginning
and equipment plant, and equipment equipment, end period
period
Nilai perolehan, kotor Tanah, dimiliki langsung 54,407 54,407 Land, directly owned Carrying amount, gross
Bangunan dan fasilitasnya, Building and leasehold
91,120 ( 2,801 ) 88,319
dimiliki langsung improvement, directly owned
Perabot dan peralatan Furniture and office
228,157 13,065 ( 28,343 ) 212,879
kantor, dimiliki langsung equipment, directly owned
Dimiliki langsung 373,684 13,065 ( 31,144 ) 355,605 Directly owned
Bangunan, aset hak guna 175,703 ( 2,473 ) 173,230 Building, right of use assets
Kendaraan bermotor, aset Motor vehicle, rights of use
3,181 ( 461 ) 2,720
hak guna assets
Lainnya, aset hak guna 16,781 16,781 Others, right of use assets
Aset hak guna 195,665 ( 2,934 ) 192,731 Right of use assets
Aset tetap Property, plant, and
569,349 13,065 ( 34,078 ) 548,336
equipment
Akumulasi depresiasi Bangunan dan fasilitasnya, Building and leasehold Carrying amount,
60,158 2,148 ( 2,746 ) 59,560
dimiliki langsung improvement, directly owned accumulated depreciation
Perabot dan peralatan Furniture and office
158,809 18,170 ( 28,017 ) 148,962
kantor, dimiliki langsung equipment, directly owned
Dimiliki langsung 218,967 20,318 ( 30,763 ) 208,522 Directly owned
Bangunan, aset hak guna 64,712 9,156 ( 1,475 ) 72,393 Building, right of use assets
Kendaraan bermotor, aset Motor vehicle, rights of use
881 374 1,255
hak guna assets
Lainnya, aset hak guna 9,391 2,127 11,518 Others, right of use assets
Aset hak guna 74,984 11,657 ( 1,475 ) 85,166 Right of use assets
Aset tetap Property, plant, and
293,951 31,975 ( 32,238 ) 293,688
equipment
Nilai perolehan Aset tetap Property, plant, and Carrying amount
275,398 254,648
equipment
Page 19
[4611000] Notes to the financial statements - Property, Plant, and Equipement - Financial and Sharia Industry - Prior Year
31 December 2022
Aset tetap Property, plant, and equipment
Aset tetap, awal periode Penambahan aset tetap Pengurangan aset tetap Aset tetap, akhir periode
Property, plant, and
Addition in property, plant, Disposals in property, Property, plant, and
equipment, beginning
and equipment plant, and equipment equipment, end period
period
Nilai perolehan, kotor Tanah, dimiliki langsung 54,407 54,407 Land, directly owned Carrying amount, gross
Bangunan dan fasilitasnya, Building and leasehold
95,361 2,448 ( 6,689 ) 91,120
dimiliki langsung improvement, directly owned
Perabot dan peralatan Furniture and office
225,281 16,623 ( 13,747 ) 228,157
kantor, dimiliki langsung equipment, directly owned
Kendaraan bermotor, Motor vehicle, directly owned
139 ( 139 )
dimiliki langsung
Dimiliki langsung 375,188 19,071 ( 20,575 ) 373,684 Directly owned
Bangunan, aset hak guna 176,770 ( 1,067 ) 175,703 Building, right of use assets
Kendaraan bermotor, aset Motor vehicle, rights of use
4,419 2,240 ( 3,478 ) 3,181
hak guna assets
Lainnya, aset hak guna 20,658 3,258 ( 7,135 ) 16,781 Others, right of use assets
Aset hak guna 201,847 5,498 ( 11,680 ) 195,665 Right of use assets
Aset tetap Property, plant, and
577,035 24,569 ( 32,255 ) 569,349
equipment
Akumulasi depresiasi Bangunan dan fasilitasnya, Building and leasehold Carrying amount,
62,207 4,615 ( 6,664 ) 60,158
dimiliki langsung improvement, directly owned accumulated depreciation
Perabot dan peralatan Furniture and office
137,362 33,671 ( 12,224 ) 158,809
kantor, dimiliki langsung equipment, directly owned
Kendaraan bermotor, Motor vehicle, directly owned
138 ( 138 ) 0
dimiliki langsung
Dimiliki langsung 199,707 38,286 ( 19,026 ) 218,967 Directly owned
Bangunan, aset hak guna 45,463 20,034 ( 785 ) 64,712 Building, right of use assets
Kendaraan bermotor, aset Motor vehicle, rights of use
3,124 1,235 ( 3,478 ) 881
hak guna assets
Lainnya, aset hak guna 7,515 4,254 ( 2,378 ) 9,391 Others, right of use assets
Aset hak guna 56,102 25,523 ( 6,641 ) 74,984 Right of use assets
Aset tetap Property, plant, and
255,809 63,809 ( 25,667 ) 293,951
equipment
Nilai perolehan Aset tetap Property, plant, and Carrying amount
Page 20
321,226 275,398 equipment
Page 21
[4611100] Disclosure of Notes to the financial statements - Property, Plant and Equipment - Financial and Sharia Industry
Pengungkapan Disclosure
30 June 2023
Pengungkapan catatan atas aset tetap Beban penyusutan yang dibebankan ke dalam beban umum dan administrasi sebesar Rp31.975 untuk Disclosure of notes for property, plant and
periode yang berakhir tanggal 30 Juni 2023 (Catatan 33).Pada tanggal 30 Juni 2023 dan 31 Desember equipment
2022, seluruh hak kepemilikan atas tanah Bank adalah dalam bentuk Hak Guna Bangunan (HGB),
yang memiliki sisa jangka waktu hak legal berkisar dari 3 tahun sampai dengan 29 tahun. Manajemen
Bank berkeyakinan bahwa hak kepemilikan atas tanah tersebut dapat diperpanjang pada saat jatuh
tempo. Pada tanggal 30 Juni 2023 dan 31 Desember 2022, aset tetap yang telah disusutkan penuh
dan masih digunakan masing-masing sejumlah Rp162.914 dan Rp186.244. Pada tanggal 30 Juni 2023
dan 31 Desember 2022, kendaraan, gedung dan perlengkapan dan perabot kantor telah diasuransikan
kepada PT Sompo Insurance Indonesia untuk 30 Juni 2023 dan 31 Desember 2022 terhadap semua
risiko kehilangan atau kerusakan fisik dengan nilai pertanggungan masing-masing sejumlah Rp226.558
dan Rp230.121 untuk 30 Juni 2023 dan 31 Desember 2022. Manajemen Bank berkeyakinan bahwa
nilai pertanggungan aset tetap yang diasuransikan adalah cukup untuk menutupi kemungkinan
kerugian atas aset yang dipertanggungkan. Manajemen Bank juga berkeyakinan tidak terdapat
penurunan nilai aset tetap selama tahun berjalan. Pada tanggal 30 Juni 2023 dan 31 Desember 2022,
tidak ada aset tetap yang dijadikan jaminan.
Page 22
[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 12,279 2,291 Rupiah Related parties Current accounts
Mata uang asing 14,181 15,141 Foreign currencies
Subtotal Seluruh Subtotal on all
26,460 17,432
Mata Uang Currencies
Pihak ketiga Rupiah 368,952 408,305 Rupiah Third parties
Mata uang asing 798,959 1,203,846 Foreign currencies
Subtotal Seluruh Subtotal on all
1,167,911 1,612,151
Mata Uang Currencies
Subtotal Seluruh Subtotal Seluruh Subtotal on all Subtotal on all
1,194,371 1,629,583
Pihak Mata Uang Currencies Parties
Page 23
[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 392 384 Rupiah Related parties Savings deposits
Subtotal Seluruh Subtotal on all
392 384
Mata Uang Currencies
Pihak ketiga Rupiah 441,221 405,030 Rupiah Third
Subtotal Seluruh Subtotal on all parties
441,221 405,030
Mata Uang Currencies
Subtotal Seluruh Subtotal Seluruh Subtotal on all Subtotal on all
441,613 405,414
Pihak Mata Uang Currencies Parties
Page 24
[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 6,351 13,498 Rupiah Related parties Time deposits
Mata uang asing 61,094 66,097 Foreign currencies
Subtotal Seluruh Subtotal on all
67,445 79,595
Mata Uang Currencies
Pihak ketiga Rupiah 5,980,442 7,340,219 Rupiah Third parties
Mata uang asing 1,573,775 1,149,813 Foreign currencies
Subtotal Seluruh Subtotal on all
7,554,217 8,490,032
Mata Uang Currencies
Subtotal Seluruh Subtotal Seluruh Subtotal on all Subtotal on all
7,621,662 8,569,627
Pihak Mata Uang Currencies Parties
Page 25
[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 Pada tanggal 30 Juni 2023 dan 31 Desember 2022, jumlah deposito yang dijadikan sebagai jaminan Disclosure of notes for third party funds
kredit yang diberikan adalah masing-masing sebesar Rp59.248 dan Rp31.020 (Catatan 12). Informasi
mengenai jatuh tempo simpanan dari nasabah diungkapkan pada Catatan 3d. Informasi mengenai
klasifikasi dan nilai wajar simpanan dari nasabah diungkapkan pada Catatan 35. Simpanan dari pihak
berelasi diungkapkan pada Catatan 37.
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