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Nomor Surat BIP/CSC/050/0723
Nama Emiten PT Bank Ina Perdana Tbk.
Kode Emiten BINA
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 Bank Ina Perdana Tbk. yang tidak memerlukan tanda tangan karena dihasilkan secara elektronik. PT
Bank Ina Perdana 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 Ina Perdana 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 BINA Entity code
Nomor identifikasi entitas AA673 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
Utama / Main
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 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 74,663 99,128 Cash
Giro pada bank lain Current accounts with other
banks
Giro pada bank lain pihak Current accounts with
168,679 177,185
ketiga other banks third parties
Cadangan kerugian Allowance for impairment
penurunan nilai pada giro (0) (6) losses for current
pada bank lain accounts with other bank
Cadangan kerugian Allowance for impairment
penurunan nilai pada losses for placements with
(2) ( 59 )
penempatan pada bank other banks
lain
Efek-efek yang Marketable securities
diperdagangkan
Efek-efek yang Marketable securities third
diperdagangkan pihak 4,428,319 5,099,200 parties
ketiga
Cadangan kerugian Allowance for impairment
penurunan nilai pada losses for marketable
( 41 ) ( 92 )
efek-efek yang securities
diperdagangkan
Efek yang dibeli dengan janji Securities purchased under
2,202,016 863,159
dijual kembali agreement to resale
Tagihan akseptasi Acceptance receivables
Tagihan akseptasi pihak Acceptance receivables
115,032 113,418
ketiga third parties
Cadangan kerugian Allowance for impairment
penurunan nilai pada (7) ( 92 ) losses for acceptance
tagihan akseptasi receivables
Tagihan derivatif Derivative receivables
Tagihan derivatif pihak Derivative receivables
915 783
ketiga third parties
Pinjaman yang diberikan Loans
Pinjaman yang diberikan Loans third parties
11,901,864 9,606,342
pihak ketiga
Pinjaman yang diberikan Loans related parties
362,525 142,903
pihak berelasi
Cadangan kerugian Allowance for impairment
penurunan nilai pada ( 279,544 ) ( 237,567 ) losses for loans
pinjaman yang diberikan
Piutang nasabah Receivables from
customers
Piutang nasabah pihak Receivables from
81,807 80,890
ketiga customers third parties
Piutang nasabah pihak Receivables from
152
berelasi customers related parties
Biaya dibayar dimuka 35,651 8,994 Prepaid expenses
Aset pajak tangguhan 25,565 44,907 Deferred tax assets
Aset tetap Property, plant, and
36,873 52,323
equipment
Aset lainnya 249,799 268,899 Other assets
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Jumlah aset 22,296,805 20,552,736 Total assets
Liabilitas, dana syirkah Liabilities, temporary syirkah
temporer dan ekuitas funds and equity
Liabilitas Liabilities
Liabilitas segera Obligations due
39,530 24,687
immediately
Simpanan nasabah Customers deposits
Giro Current accounts
Giro pihak ketiga Current accounts
1,746,046 1,346,997
third parties
Giro pihak berelasi Current accounts
2,500,026 3,506,581
related parties
Tabungan Savings
Tabungan pihak Savings third
608,720 549,263
ketiga parties
Tabungan pihak Savings related
15,846 3,456
berelasi parties
Deposito berjangka Time deposits
Deposito berjangka Time deposits third
11,839,359 8,992,001
pihak ketiga parties
Deposito berjangka Time deposits
1,507,839 1,064,527
pihak berelasi related parties
Simpanan dari bank lain Other banks deposits
Simpanan dari bank Other banks deposits
272,506 601,618
lain pihak ketiga third parties
Efek yang dijual dengan Securities sold with
905,895
janji untuk dibeli kembali repurchase agreement
Liabilitas derivatif Derivative payables
Liabilitas derivatif pihak Derivative payables
1,159 878
ketiga third parties
Utang bunga 31,524 21,027 Interest payables
Liabilitas akseptasi Acceptance liabilities
Liabilitas akseptasi Acceptance liabilities
115,032 113,418
pihak ketiga third parties
Utang pajak 23,313 23,054 Taxes payable
Liabilitas lainnya 103,942 96,131 Other liabilities
Kewajiban imbalan pasca Post-employment benefit
17,506 15,115
kerja obligations
Jumlah liabilitas 18,822,348 17,264,648 Total liabilities
Ekuitas Equity
Ekuitas yang Equity attributable to
diatribusikan kepada equity owners of parent
pemilik entitas induk entity
Saham biasa 613,472 593,710 Common stocks
Tambahan modal Additional paid-in
2,482,288 2,502,050
disetor capital
Cadangan perubahan Reserve for changes in
nilai wajar aset fair value of fair value
keuangan nilai wajar 12,603 ( 58,447 ) through other
melalui pendapatan comprehensive income
komprehensif lainnya financial assets
Cadangan pengukuran Reserve of
kembali program ( 539 ) remeasurements of
imbalan pasti defined benefit plans
Saldo laba Retained earnings
(akumulasi kerugian) (deficit)
Saldo laba yang Appropriated
telah ditentukan retained earnings
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penggunaanya
Cadangan General and
64,996 33,586
umum dan wajib legal reserves
Saldo laba yang Unappropriated
belum ditentukan 301,637 217,189 retained earnings
penggunaannya
Jumlah ekuitas yang Total equity
diatribusikan kepada attributable to equity
3,474,457 3,288,088
pemilik entitas induk owners of parent
entity
Jumlah ekuitas 3,474,457 3,288,088 Total equity
Jumlah liabilitas, dana Total liabilities, temporary
syirkah temporer dan 22,296,805 20,552,736 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 814,463 499,271 Interest income
Beban bunga ( 453,211 ) ( 282,086 ) Interest expenses
Pendapatan operasional Other operating income
lainnya
Pendapatan provisi dan Provisions and
komisi dari transaksi commissions income from
2,776 1,301
lainnya selain kredit transactions other than
loan
Pendapatan transaksi Revenue from trading
9,119 5,244
perdagangan transactions
Pendapatan operasional Other operating income
11,981 10,656
lainnya
Pembentukan kerugian Allowances for impairment
penurunan nilai losses
Pembentukan penyisihan Allowances for impairment
kerugian penurunan nilai ( 52,640 ) ( 29,944 ) losses on earnings assets
aset produktif
Beban operasional lainnya Other operating expenses
Beban umum dan General and
( 231,449 ) ( 128,878 )
administrasi administrative expenses
Beban operasional Other operating
( 5,026 ) ( 5,669 )
lainnya expenses
Jumlah laba (rugi) sebelum Total profit (loss) before tax
148,653 68,594
pajak penghasilan
Pendapatan (beban) pajak ( 33,334 ) ( 15,687 ) Tax benefit (expenses)
Jumlah laba (rugi) dari operasi Total profit (loss) from
115,319 52,907
yang dilanjutkan continuing operations
Jumlah laba (rugi) 115,319 52,907 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 pengukuran income for
kembali kewajiban 877 remeasurement of defined
manfaat pasti, setelah benefit obligation, after tax
pajak
Jumlah pendapatan Total other
komprehensif lainnya comprehensive income
yang tidak akan 877 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)
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yang belum direalisasi on changes in fair value
atas perubahan nilai wajar 71,050 ( 83,823 ) through other
aset keuangan melalui comprehensive income
penghasilan komprehensif financial assets, after tax
lain, setelah pajak
Jumlah pendapatan Total other
komprehensif lainnya comprehensive income
yang akan direklasifikasi 71,050 ( 83,823 ) that may be reclassified
ke laba rugi, setelah to profit or loss, after tax
pajak
Jumlah pendapatan Total other comprehensive
komprehensif lainnya, 71,050 ( 82,946 ) income, after tax
setelah pajak
Jumlah laba rugi komprehensif 186,369 ( 30,039 ) Total comprehensive income
Laba (rugi) yang dapat Profit (loss) attributable to
diatribusikan
Laba (rugi) yang dapat Profit (loss) attributable to
115,319 52,907
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 186,369 ( 30,039 ) 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 18.9 8.91 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 Cadangan pengukuran Saldo laba yang belum Ekuitas yang dapat
Tambahan modal ditentukan
Saham biasa keuangan nilai wajar kembali program ditentukan diatribusikan kepada Ekuitas
disetor penggunaannya-cadangan
melalui pendapatan imbalan pasti penggunaannya entitas induk
umum dan wajib
komprehensif lainnya
Reserve for changes in
fair value of fair value Reserve of Appropriated retained
Additional paid-in Unappropriated retained Equity attributable to
Common stocks through other remeasurements of earnings-general and legal Equity
capital earnings parent entity
comprehensive income defined benefit plans reserves
financial assets
Posisi ekuitas Equity position
Saldo awal periode sebelum penyajian kembali 593,710 2,502,050 ( 58,447 ) ( 539 ) 33,586 217,728 3,288,088 3,288,088 Balance before restatement at beginning of period
Posisi ekuitas, awal periode 593,710 2,502,050 ( 58,447 ) ( 539 ) 33,586 217,728 3,288,088 3,288,088 Equity position, beginning of the period
Laba (rugi) 115,319 115,319 115,319 Profit (loss)
Pendapatan komprehensif lainnya 71,050 71,050 71,050 Other comprehensive income
Pembentukan cadangan umum 31,410 ( 31,410 ) 0 Allocation for general reserves
Penerbitan saham biasa 19,762 ( 19,762 ) 0 0 Issuance of common stocks
Posisi ekuitas, akhir periode 613,472 2,482,288 12,603 ( 539 ) 64,996 301,637 3,474,457 3,474,457 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 Cadangan pengukuran Saldo laba yang belum Ekuitas yang dapat
Tambahan modal ditentukan
Saham biasa keuangan nilai wajar kembali program ditentukan diatribusikan kepada Ekuitas
disetor penggunaannya-cadangan
melalui pendapatan imbalan pasti penggunaannya entitas induk
umum dan wajib
komprehensif lainnya
Reserve for changes in
fair value of fair value Reserve of Appropriated retained
Additional paid-in Unappropriated retained Equity attributable to
Common stocks through other remeasurements of earnings-general and legal Equity
capital earnings parent entity
comprehensive income defined benefit plans reserves
financial assets
Posisi ekuitas Equity position
Saldo awal periode sebelum penyajian kembali 565,438 1,735,614 ( 20,904 ) ( 739 ) 25,636 68,630 2,373,675 2,373,675 Balance before restatement at beginning of period
Posisi ekuitas, awal periode 565,438 1,735,614 ( 20,904 ) ( 739 ) 25,636 68,630 2,373,675 2,373,675 Equity position, beginning of the period
Laba (rugi) 52,907 52,907 52,907 Profit (loss)
Pendapatan komprehensif lainnya ( 83,823 ) 877 ( 82,946 ) ( 82,946 ) Other comprehensive income
Pembentukan cadangan umum 7,950 ( 7,950 ) Allocation for general reserves
Penerbitan saham biasa 28,271 ( 28,271 ) Issuance of common stocks
Posisi ekuitas, akhir periode 593,709 1,707,343 ( 104,727 ) 138 33,586 113,587 2,343,636 2,343,636 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 701,969 591,281 income, fees and
komisi commissions received
Pembayaran bunga dan Payments Of Interest And
bonus, provisi dan komisi ( 441,356 ) ( 279,021 ) Bonus Fees And
Commissions
Pendapatan dari transaksi Income from other
23,874 15,437
operasional lainnya operating transactions
Pembayaran gaji dan Payments for salaries and
( 102,808 ) ( 70,433 )
tunjangan allowances
Penerimaan Refunds (payments) of
pengembalian income tax
( 41,485 ) ( 23,108 )
(pembayaran) pajak
penghasilan
Pembayaran beban Payments for other
( 78,629 ) ( 42,582 )
operasional lainnya operating expenses
Penurunan (kenaikan) aset Decrease (increase) in
operasi operating assets
Penurunan (kenaikan) Decrease (increase) in
( 1,340,208 ) ( 68,161 )
efek yang diperdagangkan marketable securities
Penurunan (kenaikan) Decrease (increase) in
efek yang dibeli dengan 0 575,275 securities purchased
janji dijual kembali under resale agreements
Penurunan (kenaikan) Decrease (increase) in
( 1,492 ) ( 90,063 )
tagihan akseptasi acceptance receivables
Penurunan (kenaikan) Decrease (increase) in
( 2,524,611 ) ( 3,354,694 )
pinjaman yang diberikan loans
Penurunan (kenaikan) Decrease (increase) in
( 132 ) ( 3,277 )
tagihan derivatif derivative receivables
Penurunan (kenaikan) Decrease (increase) in
14,974 ( 57,095 )
aset lainnya other assets
Kenaikan (penurunan) Increase (decrease) in
liabilitas operasi operating liabilities
Kenaikan (penurunan) Increase (decrease) in
liabilitas segera 14,843 14,141 obligations due
immediately
Kenaikan (penurunan) giro Increase (decrease) in
dan tabungan simpanan 2,759,929 3,925,078 current accounts and
nasabah customers savings
Kenaikan (penurunan) Increase (decrease) in
simpanan dari bank lain ( 329,112 ) 262,374 other banks saving
deposits
Kenaikan (penurunan) Increase (decrease) in
efek yang dijual dengan ( 905,895 ) securities sold under
janji dibeli kembali repurchase agreement
Kenaikan (penurunan) Increase (decrease) in
1,614 90,063
liabilitas akseptasi acceptance payables
Kenaikan (penurunan) Increase (decrease) in
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liabilitas derivatif 281 3,425 derivative payables
Kenaikan (penurunan) Increase (decrease) in
7,105 31,160
liabilitas lainnya other liabilities
Jumlah arus kas bersih Total net cash flows
yang diperoleh dari received from (used in)
( 2,241,139 ) 1,519,800
(digunakan untuk) aktivitas operating activities
operasi
Arus kas dari aktivitas Cash flows from investing
investasi activities
Pencairan (penempatan) Withdrawal (placement) of
872,840 ( 493,731 )
obligasi dan (atau) sukuk bonds and (or) sukuk
Penerimaan dari penjualan Proceeds from disposal
(perolehan) aset tetap ( 4,927 ) ( 21,501 ) (acquisition) of property and
equipment
Jumlah arus kas bersih Total net cash flows
yang diperoleh dari received from (used in)
867,913 ( 515,232 )
(digunakan untuk) aktivitas investing activities
investasi
Arus kas dari aktivitas Cash flows from financing
pendanaan activities
Pembayaran bunga pinjaman Payments of interests from
677 ( 15,026 )
borrowings
Jumlah arus kas bersih Total net cash flows
yang diperoleh dari received from (used in)
677 ( 15,026 )
(digunakan untuk) aktivitas financing activities
pendanaan
Jumlah kenaikan (penurunan) Total net increase (decrease)
( 1,372,549 ) 989,542
bersih kas dan setara kas in cash and cash equivalents
Kas dan setara kas arus kas, Cash and cash equivalents cash
4,508,582 5,186,733
awal periode flows, beginning of the period
Kas dan setara kas arus kas, Cash and cash equivalents
3,136,033 6,176,275
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 Basis of preparation of consolidated financial
konsolidasian statements
Prinsip-prinsip konsolidasi NA Principles of consolidation
Kas dan setara kas Catatan 2/4 Cash and cash equivalents
Aset tetap Catatan 2/15 Fixed assets
Penurunan nilai aset nonkeuangan Catatan 2 Impairment of non-financial assets
Beban tangguhan NA Deferred charges
Pengakuan pendapatan dan beban Catatan 2,27,34 Revenue and expense recognition
Page 14
Penjabaran mata uang asing Catatan 2 Foreign currency translation Transaksi dengan pihak berelasi catatan 2/34 Transactions with related parties Pajak penghasilan catatan 2,20a, Income taxes Pinjaman NA Borrowings Provisi catatan 2 Provisions Imbalan kerja karyawan catatan 2,21 Employee benefits Laba per saham catatan 32 Earnings per share
Page 15
Dividen NA Dividends
Pelaporan segmen catatan 2 Segment reporting
Instrumen keuangan derivatif catatan 2 Derivative financial instruments
Penerapan standar akutansi baru Catatan 2 The implementation of new statements of
accounting standards
Kombinasi bisnis NA Business combination
Penentuan nilai wajar catatan 2 Determination of fair value
Transaksi dan saldo dalam mata uang asing catatan 2 Foreign currency transactions and balances
Page 16
Giro pada Bank Indonesia dan bank lain catatan 2,5,6 Current accounts with Bank Indonesia and
other banks
Penempatan pada Bank Indonesia dan bank lain catatan 2,7 Placements with Bank Indonesia and other
banks
Efek-efek catatan 2,8 Securities
Investasi jangka pendek NA Short-term investment
Aset hak guna catatan 2 Right of use assets
Properti investasi NA Investment properties
Goodwill NA Goodwill
Investasi pada entitas asosiasi NA Investment in associates
Page 17
Aset takberwujud catatan 2,15 Intangible assets
Beban dibayar dimuka catatan 2,14 Prepaid expenses
Piutang dan utang asuransi NA Insurance receivables and payables
Piutang pembiayaan konsumen NA Consumer financing receivables
Liabilitas atas kontrak NA Contract liabilities
Simpanan nasabah dan simpanan dari bank lain catatan 2,18,34 Deposits from customers and deposits from
other banks
Obligasi subordinasi NA Subordinated bonds
Page 18
Efek-efek yang dibeli dengan janji dibeli kembali NA Securities purchased under resell agreements Saham treasuri NA Treasury stock Modal saham catatan 24 Share capital Pengaturan pembayaran berbasis saham NA Share-based payment arrangement Biaya emisi efek ekuitas catatan 24 Stock issuance cost Instrumen keuangan Catatan 2 Financial instruments Aset tidak lancar yang diklasifikasikan sebagai NA Non-current assets classified as held for sale dimiliki untuk dijual
Page 19
Peristiwa setelah tanggal periode pelaporan Na Events after reporting period Penerapan standar akuntansi baru catatn 2 Adoption of new accounting standards Standar akuntansi yang telah disahkan namun na Accounting standards issued but not yet belum berlaku efektif effective Utang pembiayaan konsumen na Consumer financing liabilities
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[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, akhir
Aset tetap, awal periode Penambahan aset tetap Reklasifikasi aset tetap
periode
Property, plant, and Reclassifications of
Addition in property, plant, Property, plant, and
equipment, beginning property, plant, and
and equipment equipment, end period
period equipment
Nilai perolehan, kotor Mesin dan peralatan, dimiliki Machinery and equipment, Carrying amount, gross
66,554 3,915 70,469
langsung directly owned
Perabot dan peralatan Furniture and office
19,827 1,011 20,838
kantor, dimiliki langsung equipment, directly owned
Kendaraan bermotor, dimiliki Motor vehicle, directly
780 780
langsung owned
Lainnya, dimiliki langsung 25,850 ( 25,850 ) 0 Others, directly owned
Dimiliki langsung 113,011 4,926 ( 25,850 ) 92,087 Directly owned
Lainnya, dalam Others, assets under
5,030 1,852 ( 3,668 ) 3,214
penyelesaian construction
Aset dalam penyelesaian 5,030 1,852 ( 3,668 ) 3,214 Assets under construction
Aset tetap Property, plant, and
118,041 6,778 ( 29,518 ) 95,301
equipment
Akumulasi depresiasi Mesin dan peralatan, dimiliki Machinery and equipment, Carrying amount,
37,320 6,175 43,495
langsung directly owned accumulated depreciation
Perabot dan peralatan Furniture and office
12,868 1,304 14,172
kantor, dimiliki langsung equipment, directly owned
Kendaraan bermotor, dimiliki Motor vehicle, directly
756 5 761
langsung owned
Lainnya, dimiliki langsung 14,774 ( 14,774 ) 0 Others, directly owned
Dimiliki langsung 65,718 7,484 ( 14,774 ) 58,428 Directly owned
Aset tetap Property, plant, and
65,718 7,484 ( 14,774 ) 58,428
equipment
Nilai perolehan Aset tetap Property, plant, and Carrying amount
52,323 36,873
equipment
Page 21
[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, akhir
Aset tetap, awal periode Penambahan aset tetap Reklasifikasi aset tetap
periode
Property, plant, and Reclassifications of
Addition in property, plant, Property, plant, and
equipment, beginning property, plant, and
and equipment equipment, end period
period equipment
Nilai perolehan, kotor Mesin dan peralatan, dimiliki Machinery and equipment, Carrying amount, gross
47,919 17,287 1,348 66,554
langsung directly owned
Perabot dan peralatan Furniture and office
14,994 4,833 19,827
kantor, dimiliki langsung equipment, directly owned
Kendaraan bermotor, dimiliki Motor vehicle, directly
765 15 780
langsung owned
Lainnya, dimiliki langsung 15,415 5,239 5,196 25,850 Others, directly owned
Dimiliki langsung 79,093 27,374 6,544 113,011 Directly owned
Lainnya, dalam Others, assets under
6,967 4,722 ( 6,659 ) 5,030
penyelesaian construction
Aset dalam penyelesaian 6,967 4,722 ( 6,659 ) 5,030 Assets under construction
Aset tetap Property, plant, and
86,060 32,096 ( 115 ) 118,041
equipment
Akumulasi depresiasi Mesin dan peralatan, dimiliki Machinery and equipment, Carrying amount,
28,440 8,880 37,320
langsung directly owned accumulated depreciation
Perabot dan peralatan Furniture and office
10,568 2,300 12,868
kantor, dimiliki langsung equipment, directly owned
Kendaraan bermotor, dimiliki Motor vehicle, directly
746 10 756
langsung owned
Lainnya, dimiliki langsung 10,067 4,707 14,774 Others, directly owned
Dimiliki langsung 49,821 15,897 65,718 Directly owned
Aset tetap Property, plant, and
49,821 15,897 65,718
equipment
Nilai perolehan Aset tetap Property, plant, and Carrying amount
36,239 52,323
equipment
Page 22
[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 catatan 2,15 Penambahan aset tetap pada tanggal-tanggal 30 Juni 2023 dan 31 Desember 2022 terdiri Disclosure of notes for property, plant and
dari pembukaan kantor cabang baru, kursi, meja, AC, komputer, laptop dan printer yang digunakan equipment
untuk aktivitas operasional Bank
Page 23
[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
Jumlah Pinjaman
Dalam perhatian
Lancar Kurang lancar Diragukan Macet berdasarkan
khusus
kolektibilitas
Rupiah Modal kerja 7,442,020 164,754 1,852 44,263 105,108 7,757,997 Working capital Rupiah
Investasi 4,031,208 51,290 4,548 7,159 4,684 4,098,889 Investment
Konsumen 303,572 6,658 1,955 429 55,215 367,829 Consumer
Subtotal Pinjaman Subtotal Loans by
11,776,800 222,702 8,355 51,851 165,007 12,224,715
berdasarkan tipe type
Mata uang asing Modal kerja 39,674 39,674 Working capital Foreign currencies
Subtotal Pinjaman Subtotal Loans by
39,674 39,674
berdasarkan tipe type
Subtotal Seluruh Subtotal Pinjaman Subtotal Loans by Subtotal on all
11,816,474 222,702 8,355 51,851 165,007 12,264,389
Mata Uang berdasarkan tipe type Currencies
30 June 2023
Pinjaman berdasarkan tipe Loans by type
Total Loans by
Current Special mention Substandard Doubtful Loss
collectibility
Jumlah Pinjaman
Lancar Dalam perhatian khusus Kurang lancar Diragukan Macet
berdasarkan kolektibilitas
Total pinjaman, kotor 11,816,474 222,702 8,355 51,851 165,007 12,264,389 Total loans, gross
Cadangan kerugian Allowance for impairment
penurunan nilai pada ( 79,174 ) ( 31,320 ) ( 4,341 ) ( 31,477 ) ( 133,232 ) ( 279,544 ) losses for loans
pinjaman yang diberikan
Total pinjaman, bersih 11,737,300 191,382 4,014 20,374 31,775 11,984,845 Total loans, net
31 December 2022
Page 24
Pinjaman berdasarkan tipe Loans by type
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 Modal kerja 4,205,015 30,372 30,051 4,334 34,810 4,304,582 Working capital Rupiah
Investasi 2,968,011 16,878 797 2,985,686 Investment
Konsumen 2,284,017 24,398 9,248 43,426 45,418 2,406,507 Consumer
Subtotal Pinjaman Subtotal Loans by
9,457,043 71,648 39,299 48,557 80,228 9,696,775
berdasarkan tipe type
Mata uang asing Modal kerja 52,470 52,470 Working capital Foreign currencies
Subtotal Pinjaman Subtotal Loans by
52,470 52,470
berdasarkan tipe type
Subtotal Seluruh Subtotal Pinjaman Subtotal Loans by Subtotal on all
9,509,513 71,648 39,299 48,557 80,228 9,749,245
Mata Uang berdasarkan tipe type Currencies
31 December 2022
Pinjaman berdasarkan tipe Loans by type
Total Loans by
Current Special mention Substandard Doubtful Loss
collectibility
Jumlah Pinjaman
Lancar Dalam perhatian khusus Kurang lancar Diragukan Macet
berdasarkan kolektibilitas
Total pinjaman, kotor 9,509,513 71,648 39,299 48,557 80,228 9,749,245 Total loans, gross
Cadangan kerugian Allowance for impairment
penurunan nilai pada ( 91,287 ) ( 31,518 ) ( 32,628 ) ( 32,403 ) ( 49,731 ) ( 237,567 ) losses for loans
pinjaman yang diberikan
Total pinjaman, bersih 9,418,226 40,130 6,671 16,154 30,497 9,511,678 Total loans, net
Page 25
[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
Jumlah Pinjaman
Dalam perhatian
Lancar Kurang lancar Diragukan Macet berdasarkan
khusus
kolektibilitas
Rupiah Perindustrian 2,870,143 7,599 15,251 2,892,993 Manufacturing Rupiah
Perdagangan, restoran Trading, restaurants and
1,887,354 57,804 119 28,626 79,151 2,053,054
dan hotel hotels
Pertanian 481,985 481,985 Agriculture
Jasa dunia usaha 897,297 7,677 0 904,974 Business services
Konstruksi 1,215,854 27,357 12,391 1,255,602 Construction
Pengangkutan, Transportation,
pergudangan dan 1,323,975 108,907 6,281 22,797 1,461,960 warehousing and
komunikasi communications
Listrik, gas dan air 241,860 241,860 Electricity, gas and water
Jasa sosial 811,935 1,599 813,534 Social services
Pertambangan 572,726 3,000 575,726 Mining
Properti 1,170,099 5,098 1,175,197 Property
Lain-lain 303,572 6,661 1,955 428 55,214 367,830 Other sectors
Subtotal Pinjaman Subtotal Loans by
berdasarkan sektor 11,776,800 222,702 8,355 51,851 165,007 12,224,715 economic sector
ekonomi
Mata uang asing Perindustrian 39,674 39,674 Manufacturing Foreign currencies
Subtotal Pinjaman Subtotal Loans by
berdasarkan sektor 39,674 39,674 economic sector
ekonomi
Subtotal Seluruh Subtotal Pinjaman Subtotal Loans by Subtotal on all
Mata Uang berdasarkan sektor 11,816,474 222,702 8,355 51,851 165,007 12,264,389 economic sector Currencies
ekonomi
30 June 2023
Page 26
Pinjaman berdasarkan sektor ekonomi Loans by economic sector
Total Loans by
Current Special mention Substandard Doubtful Loss
collectibility
Jumlah Pinjaman
Lancar Dalam perhatian khusus Kurang lancar Diragukan Macet
berdasarkan kolektibilitas
Total pinjaman, kotor 11,816,474 222,702 8,355 51,851 165,007 12,264,389 Total loans, gross
Cadangan kerugian Allowance for impairment
penurunan nilai pada ( 79,174 ) ( 31,320 ) ( 4,341 ) ( 31,477 ) ( 133,232 ) ( 279,544 ) losses for loans
pinjaman yang diberikan
Total pinjaman, bersih 11,737,300 191,382 4,014 20,374 31,775 11,984,845 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 1,763,850 457 9,248 1,773,555 Manufacturing Rupiah
Perdagangan, restoran Trading, restaurants and
2,384,284 48,233 30,051 6,125 46,742 2,515,435
dan hotel hotels
Pertanian 772,002 634 772,636 Agriculture
Jasa dunia usaha 1,220,714 13,756 1,234,470 Business services
Konstruksi 607,641 12,391 620,032 Construction
Pengangkutan, Transportation,
pergudangan dan 688,486 688,486 warehousing and
komunikasi communications
Listrik, gas dan air 180,283 180,283 Electricity, gas and water
Jasa sosial 922,427 922,427 Social services
Pertambangan 357,531 6,000 3,000 366,531 Mining
Properti 89,173 89,173 Property
Lain-lain 470,652 8,568 36,432 18,095 533,747 Other sectors
Subtotal Pinjaman Subtotal Loans by
berdasarkan sektor 9,457,043 71,648 39,299 48,557 80,228 9,696,775 economic sector
ekonomi
Mata uang asing Pertanian 36,902 36,902 Agriculture Foreign currencies
Page 27
Pertambangan 15,568 15,568 Mining
Subtotal Pinjaman Subtotal Loans by
berdasarkan sektor 52,470 52,470 economic sector
ekonomi
Subtotal Seluruh Subtotal Pinjaman Subtotal Loans by Subtotal on all
Mata Uang berdasarkan sektor 9,509,513 71,648 39,299 48,557 80,228 9,749,245 economic sector Currencies
ekonomi
31 December 2022
Pinjaman berdasarkan sektor ekonomi Loans by economic sector
Total Loans by
Current Special mention Substandard Doubtful Loss
collectibility
Jumlah Pinjaman
Lancar Dalam perhatian khusus Kurang lancar Diragukan Macet
berdasarkan kolektibilitas
Total pinjaman, kotor 9,509,513 71,648 39,299 48,557 80,228 9,749,245 Total loans, gross
Cadangan kerugian Allowance for impairment
penurunan nilai pada ( 91,287 ) ( 31,518 ) ( 32,628 ) ( 32,403 ) ( 49,731 ) ( 237,567 ) losses for loans
pinjaman yang diberikan
Total pinjaman, bersih 9,418,226 40,130 6,671 16,154 30,497 9,511,678 Total loans, net
Page 28
[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
9.9 9.72
rata-rata per tahun rupiah loans
Tingkat suku bunga Annual yield rate of
rata-rata per tahun mata 3.4 6.06 foreign currencies loans
uang asing
Cadangan kerugian Allowance for impairment of
237,567 143,179
penurunan nilai, awal periode losses, beginning period
Pembentukan selama tahun Provision during the year of
berjalan 52,640 96,255 allowance for impairment
losses on loans
Penghapusbukuan Writing off of allowance for
( 4,715 ) ( 259 )
impairment losses on loans
Pemulihan pinjaman yang Recoveries of written-off of
telah dihapusbukukan ( 5,948 ) ( 1,608 ) allowance for impairment
losses on loans
Cadangan kerugian Allowance for impairment
279,544 237,567
penurunan nilai, akhir periode of losses, ending period
Non-performing financing - Non-performing financing -
1.84 1.73
gross gross
Non-performing financing - Non-performing financing -
0.46 0.55
net net
Page 29
[4614110] Disclosure of Notes to the financial statements - Loans and Sharia receivables/financing - Financial and Sharia Industry
Pengungkapan Disclosure
30 June 2023
Pengungkapan catatan atas pinjaman dan Catatan 2, dan 10 Disclosure of notes for loans and sharia
piutang syariah receivables/financing
Page 30
[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 2,400,712 3,080,316 Rupiah Related parties Current accounts
Mata uang asing 99,314 426,265 Foreign currencies
Subtotal Seluruh Subtotal on all
2,500,026 3,506,581
Mata Uang Currencies
Pihak ketiga Rupiah 1,706,619 1,321,363 Rupiah Third parties
Mata uang asing 39,427 25,634 Foreign currencies
Subtotal Seluruh Subtotal on all
1,746,046 1,346,997
Mata Uang Currencies
Subtotal Seluruh Subtotal Seluruh Subtotal on all Subtotal on all
4,246,072 4,853,578
Pihak Mata Uang Currencies Parties
Page 31
[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 15,447 2,658 Rupiah Related parties Savings deposits
Mata uang asing 399 798 Foreign currencies
Subtotal Seluruh Subtotal on all
15,846 3,456
Mata Uang Currencies
Pihak ketiga Rupiah 598,538 544,545 Rupiah Third parties
Mata uang asing 10,182 4,718 Foreign currencies
Subtotal Seluruh Subtotal on all
608,720 549,263
Mata Uang Currencies
Subtotal Seluruh Subtotal Seluruh Subtotal on all Subtotal on all
624,566 552,719
Pihak Mata Uang Currencies Parties
Page 32
[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 1,489,862 999,087 Rupiah Related parties Time deposits
Mata uang asing 17,977 65,440 Foreign currencies
Subtotal Seluruh Subtotal on all
1,507,839 1,064,527
Mata Uang Currencies
Pihak ketiga Rupiah 11,347,183 8,651,788 Rupiah Third parties
Mata uang asing 492,176 340,213 Foreign currencies
Subtotal Seluruh Subtotal on all
11,839,359 8,992,001
Mata Uang Currencies
Subtotal Seluruh Subtotal Seluruh Subtotal on all Subtotal on all
13,347,198 10,056,528
Pihak Mata Uang Currencies Parties
Page 33
[4624100] Notes to the financial statements - Annual average interest rate Third Party Funds - Financial and Sharia Industry
Page 34
[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 Catatan 2,18 Disclosure of notes for third party funds
Page 35
[4631100] Notes to the financial statements - Interest and Sharia Income -
Financial and Sharia Industry
Pendapatan bunga dan syariah Interest and sharia income
30 June 2023 30 June 2022
Pendapatan bunga Interest income
Kredit yang diberikan 554,202 255,438 Loans interest income
Efek-efek 155,032 149,364 Marketable securities income
Penempatan pada Bank Placements with Bank
Indonesia dan bank lain 47,756 57,029 Indonesia and other banks
income
Lain-lain 57,473 37,440 Other interest income
Subtotal pendapatan bunga 814,463 499,271 Subtotal interest income
Total pendapatan bunga dan Total interest and sharia
814,463 499,271
syariah income
Page 36
[4631110] Disclosure of Interest and Sharia Income - Financial and Sharia Industry
Pengungkapan Disclosure
30 June 2023
Pengungkapan catatan atas pendapatan bunga Catatan 2 , 27 Disclosure of interest and sharia income
dan syariah
Page 37
[4632100] Notes to the financial statements - Interest and Sharia Expense -
Financial and Sharia Industry
Beban bunga dan syariah Interest and sharia expense
30 June 2023 30 June 2022
Beban bunga Interest expense
Deposito berjangka Time deposits interest
306,832 148,479
expense
Tabungan Saving deposits interest
6,488 3,838
expense
Pinjaman yang diterima 3,307 595 Borrowings interest expense
Premi penjaminan dana pihak Premium on third party fund
16,278 14,692
ketiga guarantees
Giro Current accounts interest
118,185 111,095
expense
Lain-lain Others interest expense
2,121 3,387
interest expense
Subtotal beban bunga 453,211 282,086 Subtotal interest expense
Total beban bunga dan syariah Total interest and sharia
453,211 282,086
expense
Page 38
[4632110] Disclosure of Notes to the financial statements - Interest Expense - Financial and Sharia Industry
Pengungkapan Disclosure
30 June 2023
Pengungkapan catatan atas beban bunga catatan 28 , Disclosure of notes for interest expense
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