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Financial statement Text extracted AGRO

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Page 1
Nomor Surat                      B.388/Dir.02/CSC/07/2023
Nama Emiten                      PT Bank Raya Indonesia Tbk
Kode Emiten                      AGRO
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 Raya Indonesia Tbk yang tidak memerlukan tanda tangan karena dihasilkan secara elektronik.

                     PT Bank Raya 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 Raya 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                            AGRO                                                         Entity code
Nomor identifikasi entitas              AA420                                      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 dan Obligasi / Stock and                  Type of listed securities
                                        Bond
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      Ribuan / In Thousand                                              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
Page 3
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.
Page 4
[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                                    7,312,940           11,262,053                           Cash
  Giro pada bank lain                                                   Current accounts with other
                                                                                                 banks
       Giro pada bank lain pihak                                             Current accounts with
                                        77,331,897          39,661,578
       ketiga                                                              other banks third parties
       Giro pada bank lain pihak                                             Current accounts with
                                      281,364,898          153,547,571
       berelasi                                                         other banks related parties
       Cadangan kerugian                                                 Allowance for impairment
       penurunan nilai pada giro         ( 76,838 )          ( 53,601 )           losses for current
       pada bank lain                                                     accounts with other bank
   Efek-efek yang                                                              Marketable securities
   diperdagangkan
       Efek-efek yang                                                        Marketable securities third
       diperdagangkan pihak             10,996,100           61,019,100                          parties
       ketiga
       Efek-efek yang                                                             Marketable securities
       diperdagangkan pihak         4,031,585,014         4,302,612,996                 related parties
       berelasi
       Cadangan kerugian                                                      Allowance for impairment
       penurunan nilai pada                                                       losses for marketable
                                        ( 823,814 )          ( 555,123 )
       efek-efek yang                                                                         securities
       diperdagangkan
   Efek yang dibeli dengan janji                                               Securities purchased under
                                      539,624,951                        0
   dijual kembali                                                                      agreement to resale
   Tagihan akseptasi                                                             Acceptance receivables
       Tagihan akseptasi pihak                                                 Acceptance receivables
                                                  0          70,880,537
       ketiga                                                                                third parties
       Cadangan kerugian                                                      Allowance for impairment
       penurunan nilai pada                                   ( 85,589 )          losses for acceptance
       tagihan akseptasi                                                                      receivables
   Pinjaman yang diberikan                                                                            Loans
       Pinjaman yang diberikan                                                       Loans third parties
                                    4,704,787,135         6,265,764,653
       pihak ketiga
       Pinjaman yang diberikan                                                    Loans related parties
                                    1,344,167,363         1,500,879,348
       pihak berelasi
       Cadangan kerugian                                                      Allowance for impairment
       penurunan nilai pada        ( 845,215,754 )     ( 1,321,540,011 )              losses for loans
       pinjaman yang diberikan
   Aset keuangan lainnya                   77,510               77,510               Other financial assets
   Biaya dibayar dimuka                13,473,690            5,424,742                   Prepaid expenses
   Aset pajak tangguhan               166,200,326          287,082,403                 Deferred tax assets
   Aset tetap                                                                          Property, plant, and
                                      451,289,322          472,750,618
                                                                                                 equipment
   Agunan yang diambil alih             4,836,899            4,836,899                  Foreclosed assets
   Aset lainnya                        65,883,856          119,307,423                         Other assets
   Jumlah aset                     12,008,288,920       13,898,775,065                         Total assets
Liabilitas, dana syirkah                                                      Liabilities, temporary syirkah
temporer dan ekuitas                                                                         funds and equity
   Liabilitas                                                                                    Liabilities
       Liabilitas segera                                                                Obligations due
                                        28,123,530           16,720,511
                                                                                            immediately
Page 5
  Simpanan nasabah                                                    Customers deposits
     Giro                                                             Current accounts
        Giro pihak ketiga                                          Current accounts
                                346,486,478      1,326,739,389
                                                                          third parties
        Giro pihak berelasi                                        Current accounts
                                150,568,812        189,152,089
                                                                       related parties
      Tabungan                                                                     Savings
          Tabungan pihak                                                Savings third
                               1,190,511,127     1,289,936,634
          ketiga                                                                 parties
          Tabungan pihak                                              Savings related
                                282,852,164        298,449,216
          berelasi                                                               parties
      Deposito berjangka                                                  Time deposits
          Deposito berjangka                                     Time deposits third
                               5,767,784,656     5,950,851,373
          pihak ketiga                                                           parties
          Deposito berjangka                                           Time deposits
                                461,709,435        759,772,318
          pihak berelasi                                               related parties
      Deposito wakalah                                               Wakalah deposits
          Deposito wakalah                                        Wakalah deposits
                                                             0
          pihak ketiga                                                    third parties
          Deposito wakalah                                        Wakalah deposits
                                                             0
          pihak berelasi                                               related parties
  Simpanan dari bank lain                                           Other banks deposits
      Simpanan dari bank                                          Other banks deposits
                                           0                 0
      lain pihak berelasi                                                   related parties
      Simpanan dari bank                                          Other banks deposits
                                 46,981,172          2,004,021
      lain pihak ketiga                                                        third parties
  Efek yang dijual dengan                                                Securities sold with
                                           0       273,751,943
  janji untuk dibeli kembali                                         repurchase agreement
  Liabilitas akseptasi                                              Acceptance liabilities
      Liabilitas akseptasi                                         Acceptance liabilities
                                           0                 0
      pihak berelasi                                                        related parties
      Liabilitas akseptasi                                         Acceptance liabilities
                                           0        70,880,537
      pihak ketiga                                                             third parties
  Pinjaman yang diterima                                                          Borrowings
      Pinjaman yang                                                     Borrowings third
                                 15,123,825         15,599,956
      diterima pihak ketiga                                                          parties
  Estimasi kerugian                                                     Estimated losses on
  komitmen dan kontinjensi          515,355          2,812,147              commitments and
                                                                                 contingencies
  Utang pajak                     6,345,948          7,440,205                  Taxes payable
  Liabilitas lainnya            222,106,987        233,561,441                  Other liabilities
  Kewajiban imbalan pasca                                         Post-employment benefit
                                 75,510,670         72,016,003
  kerja                                                                             obligations
  Jumlah liabilitas            8,594,620,159    10,509,687,783                Total liabilities
Ekuitas                                                                                      Equity
  Ekuitas yang                                                       Equity attributable to
  diatribusikan kepada                                           equity owners of parent
  pemilik entitas induk                                                                   entity
      Saham biasa              2,474,049,429     2,474,010,781           Common stocks
      Tambahan modal                                                   Additional paid-in
                               3,735,048,406     3,734,973,042
      disetor                                                                        capital
      Opsi saham                     57,862             57,862               Stock options
      Cadangan perubahan                                        Reserve for changes in
      nilai wajar aset                                            fair value of fair value
      keuangan nilai wajar      ( 3,813,920 )    ( 13,973,479 )              through other
      melalui pendapatan                                        comprehensive income
      komprehensif lainnya                                                financial assets
      Cadangan pengukuran                                                       Reserve of
Page 6
      kembali program             ( 4,574,714 )       ( 6,106,664 )      remeasurements of
      imbalan pasti                                                    defined benefit plans
      Saldo laba                                                         Retained earnings
      (akumulasi kerugian)                                                         (deficit)
         Saldo laba yang                                                   Appropriated
         telah ditentukan                                             retained earnings
         penggunaanya
             Cadangan                                                    General and
                                   32,254,317          32,254,317
             umum dan wajib                                            legal reserves
             Cadangan                                                         Specific
                                      116,559             116,559
             khusus                                                          reserves
         Saldo laba yang                                                 Unappropriated
         belum ditentukan     ( 2,819,469,178 )   ( 2,832,245,136 )    retained earnings
         penggunaannya
      Jumlah ekuitas yang                                                   Total equity
      diatribusikan kepada                                        attributable to equity
                                3,413,668,761       3,389,087,282
      pemilik entitas induk                                            owners of parent
                                                                                    entity
   Jumlah ekuitas               3,413,668,761       3,389,087,282               Total equity
Jumlah liabilitas, dana                                            Total liabilities, temporary
syirkah temporer dan           12,008,288,920      13,898,775,065    syirkah funds and equity
ekuitas
Page 7
[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                     446,275,888          542,857,154                 Interest income
  Beban bunga                       ( 212,447,828 )      ( 185,644,245 )             Interest expenses
  Pendapatan sekuritas                                                              Securities income
      Keuntungan (kerugian)                                              Realised gains (losses) on
      dari transaksi                                                          trading of marketable
                                         30,613,723          22,662,281
      perdagangan efek yang                                                                securities
      telah direalisasi
  Pendapatan operasional                                                       Other operating income
  lainnya
      Pendapatan provisi dan                                                      Provisions and
      komisi dari transaksi                                             commissions income from
                                          5,774,604           8,940,604
      lainnya selain kredit                                               transactions other than
                                                                                              loan
        Penerimaan kembali aset                                         Revenue from recovery of
        yang telah                     102,677,987           36,088,762         written-off assets
        dihapusbukukan
        Keuntungan (kerugian)                                              Gains (losses) on changes
        selisih kurs mata uang                     0          3,501,713     in foreign exchange rates
        asing
        Pendapatan operasional                                              Other operating income
                                         13,557,182             192,702
        lainnya
    Pembentukan kerugian                                                  Allowances for impairment
    penurunan nilai                                                                            losses
        Pembentukan penyisihan                                           Allowances for impairment
        kerugian penurunan nilai         60,351,500       ( 69,321,371 ) losses on earnings assets
        aset produktif
    Beban operasional lainnya                                                Other operating expenses
        Beban umum dan                                                                   General and
                                    ( 166,937,875 )       ( 96,647,764 )
        administrasi                                                         administrative expenses
        Beban operasional                                                           Other operating
                                    ( 153,230,999 )      ( 158,154,234 )
        lainnya                                                                            expenses
Jumlah laba operasional                126,634,182         104,475,602         Total profit from operation
Pendapatan dan beban bukan                                                     Non-operating income and
operasional                                                                                       expense
    Pendapatan bukan                                                              Non-operating income
                                             96,745           3,035,203
    operasional
Jumlah laba (rugi) sebelum                                                    Total profit (loss) before tax
                                       126,730,927         107,510,805
pajak penghasilan
Pendapatan (beban) pajak            ( 117,455,780 )       ( 92,131,619 )         Tax benefit (expenses)
Jumlah laba (rugi) dari operasi                                                Total profit (loss) from
                                          9,275,147          15,379,186
yang dilanjutkan                                                                continuing operations
Jumlah laba (rugi)                        9,275,147          15,379,186              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
Page 8
       lainnya atas pengukuran                                                        income for
       kembali kewajiban                 1,964,038           971,541 remeasurement of defined
       manfaat pasti, setelah                                        benefit obligation, after tax
       pajak
       Penyesuaian lainnya atas                                       Other adjustments to other
       pendapatan komprehensif                                           comprehensive income
       lainnya yang tidak akan          ( 432,088 )       ( 213,739 ) that will not be reclassified
       direklasifikasi ke laba rugi,                                    to profit or loss, after tax
       setelah pajak
   Pendapatan komprehensif                                                    Other comprehensive
   lainnya yang akan                                                            income that may be
   direklasifikasi ke laba rugi,                                             reclassified to profit or
   setelah pajak                                                                       loss, after tax
       Keuntungan (kerugian)                                            Unrealised gains (losses)
       yang belum direalisasi                                             on changes in fair value
       atas perubahan nilai wajar                                                   through other
                                        13,153,767     ( 95,906,310 )
       aset keuangan melalui                                               comprehensive income
       penghasilan komprehensif                                         financial assets, after tax
       lain, setelah pajak
       Penyesuaian lainnya atas                                     Other adjustments to other
       pendapatan komprehensif                                         comprehensive income
       lainnya yang akan               ( 2,994,208 )     21,100,001 that may be reclassified to
       direklasifikasi ke laba rugi,                                     profit or loss, after tax
       setelah pajak
   Jumlah pendapatan                                                    Total other comprehensive
   komprehensif lainnya,                11,691,509     ( 74,048,507 )             income, after tax
   setelah pajak
Jumlah laba rugi komprehensif           20,966,656     ( 58,669,321 )    Total comprehensive income
Laba (rugi) yang dapat                                                     Profit (loss) attributable to
diatribusikan
   Laba (rugi) yang dapat                                                  Profit (loss) attributable to
                                         9,275,147       15,379,186
   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       20,966,656     ( 58,669,321 )     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                 0.38              0.68      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              0.38              0.68      share from continuing
       dilanjutkan                                                                     operations
Page 9
[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        Saldo laba yang telah
                                                                                                                       nilai wajar aset        Cadangan pengukuran                                                                Saldo laba yang belum      Ekuitas yang dapat
                                                                                                                                                                               ditentukan                   ditentukan
                                                 Saham biasa        Tambahan modal disetor       Opsi saham        keuangan nilai wajar          kembali program                                                                        ditentukan          diatribusikan kepada     Ekuitas
                                                                                                                                                                        penggunaannya-cadangan       penggunaannya-cadangan
                                                                                                                    melalui pendapatan             imbalan pasti                                                                     penggunaannya              entitas induk
                                                                                                                                                                            umum dan wajib                    khusus
                                                                                                                   komprehensif lainnya
                                                                                                                   Reserve for changes in
                                                                                                                    fair value of fair value         Reserve of           Appropriated retained
                                                                                                                                                                                                       Appropriated retained      Unappropriated retained   Equity attributable to
                                                 Common stocks      Additional paid-in capital   Stock options            through other          remeasurements of      earnings-general and legal                                                                                   Equity
                                                                                                                                                                                                     earnings-specific reserves         earnings               parent entity
                                                                                                                   comprehensive income         defined benefit plans            reserves
                                                                                                                        financial assets
Posisi ekuitas                                                                                                                                                                                                                                                                                                                            Equity position
  Saldo awal periode sebelum penyajian kembali     2,474,010,781            3,734,973,042                 57,862          ( 13,973,479 )               ( 6,106,664 )                  32,254,317                       116,559       ( 2,832,245,136 )            3,389,087,282      3,389,087,282   Balance before restatement at beginning of period
  Posisi ekuitas, awal periode                     2,474,010,781            3,734,973,042                 57,862          ( 13,973,479 )               ( 6,106,664 )                  32,254,317                       116,559       ( 2,832,245,136 )            3,389,087,282      3,389,087,282         Equity position, beginning of the period
  Laba (rugi)                                                                                                                                                                                                                               9,275,147                 9,275,147          9,275,147                                          Profit (loss)
  Pendapatan komprehensif lainnya                                                                                             10,159,559                   1,531,950                                                                                                 11,691,509         11,691,509                       Other comprehensive income
  Penerbitan saham biasa                                   38,648                     75,364                                                                                                                                                                            114,012            114,012                         Issuance of common stocks
  Pelaksanaan opsi saham                                                                                                                                                                                                                       82,873                    82,873             82,873                             Stock options exercised
  Transaksi ekuitas lainnya                                                                                                                                                                                                                 3,417,938                 3,417,938          3,417,938                            Other equity transactions
  Posisi ekuitas, akhir periode                    2,474,049,429            3,735,048,406                 57,862            ( 3,813,920 )              ( 4,574,714 )                  32,254,317                       116,559       ( 2,819,469,178 )            3,413,668,761      3,413,668,761                Equity position, end of the period
Page 10
[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        Saldo laba yang telah
                                                                                                                       nilai wajar aset        Cadangan pengukuran                                                                Saldo laba yang belum      Ekuitas yang dapat
                                                                                                                                                                               ditentukan                   ditentukan
                                                 Saham biasa        Tambahan modal disetor       Opsi saham        keuangan nilai wajar          kembali program                                                                        ditentukan          diatribusikan kepada     Ekuitas
                                                                                                                                                                        penggunaannya-cadangan       penggunaannya-cadangan
                                                                                                                    melalui pendapatan             imbalan pasti                                                                     penggunaannya              entitas induk
                                                                                                                                                                            umum dan wajib                    khusus
                                                                                                                   komprehensif lainnya
                                                                                                                   Reserve for changes in
                                                                                                                    fair value of fair value         Reserve of           Appropriated retained
                                                                                                                                                                                                       Appropriated retained      Unappropriated retained   Equity attributable to
                                                 Common stocks      Additional paid-in capital   Stock options            through other          remeasurements of      earnings-general and legal                                                                                   Equity
                                                                                                                                                                                                     earnings-specific reserves         earnings               parent entity
                                                                                                                   comprehensive income         defined benefit plans            reserves
                                                                                                                        financial assets
Posisi ekuitas                                                                                                                                                                                                                                                                                                                             Equity position
  Saldo awal periode sebelum penyajian kembali     2,274,652,671            2,943,713,773                 81,544              54,152,909               ( 3,602,953 )                  32,254,317                       116,559       ( 2,843,705,641 )            2,457,663,179      2,457,663,179    Balance before restatement at beginning of period
  Posisi ekuitas, awal periode                     2,274,652,671            2,943,713,773                 81,544              54,152,909               ( 3,602,953 )                  32,254,317                       116,559       ( 2,843,705,641 )            2,457,663,179      2,457,663,179          Equity position, beginning of the period
  Laba (rugi)                                                                                                                                                                                                                              15,379,186                15,379,186         15,379,186                                          Profit (loss)
  Pendapatan komprehensif lainnya                                                                                         ( 74,806,309 )                     757,802                                                                                              ( 74,048,507 )     ( 74,048,507 )                       Other comprehensive income
  Penerbitan saham biasa                                   21,837                  42,582                                                                                                                                                                                64,419             64,419                          Issuance of common stocks
  Pelaksanaan opsi saham                                                           13,635             ( 13,635 )                                                                                                                                                                                                                Stock options exercised
  Posisi ekuitas, akhir periode                    2,274,674,508            2,943,769,990                67,909           ( 20,653,400 )               ( 2,845,151 )                  32,254,317                       116,559       ( 2,828,326,455 )            2,399,058,277      2,399,058,277                 Equity position, end of the period
Page 11
[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         489,138,525         547,325,205             income, fees and
       komisi                                                                 commissions received
       Pembayaran bunga dan                                                Payments Of Interest And
       bonus, provisi dan komisi    ( 208,196,135 )     ( 191,909,876 )             Bonus Fees And
                                                                                       Commissions
       Pendapatan dari transaksi                                                  Income from other
                                         49,383,184          31,751,909
       operasional lainnya                                                    operating transactions
       Penerimaan kembali aset                                              Recoveries of written off
       yang telah                      102,677,987           37,360,125                       assets
       dihapusbukukan
       Penerimaan                                                             Refunds (payments) of
       pengembalian                                                                      income tax
                                                   0       ( 6,105,746 )
       (pembayaran) pajak
       penghasilan
       Pembayaran beban                                                           Payments for other
                                    ( 198,366,317 )     ( 199,581,228 )
       operasional lainnya                                                        operating expenses
       Penerimaan pendapatan                                                            Receipts from
                                             88,785           2,581,274
       non-operasional                                                         non-operating income
   Penurunan (kenaikan) aset                                                    Decrease (increase) in
   operasi                                                                             operating assets
       Penurunan (kenaikan)                                                  Decrease (increase) in
                                    ( 370,882,859 )          58,180,000
       efek yang diperdagangkan                                                marketable securities
       Penurunan (kenaikan)                                                  Decrease (increase) in
       efek yang dibeli dengan      ( 539,624,951 )        553,443,321          securities purchased
       janji dijual kembali                                                under resale agreements
       Penurunan (kenaikan)                                                  Decrease (increase) in
                                     1,282,683,422       1,867,940,173
       pinjaman yang diberikan                                                                  loans
       Penurunan (kenaikan)                                                  Decrease (increase) in
                                          2,568,077           1,248,467
       aset lainnya                                                                      other assets
   Kenaikan (penurunan)                                                          Increase (decrease) in
   liabilitas operasi                                                               operating liabilities
       Kenaikan (penurunan)                                                   Increase (decrease) in
       liabilitas segera                 11,403,019        ( 3,745,305 )              obligations due
                                                                                          immediately
      Kenaikan (penurunan) giro                                               Increase (decrease) in
      dan tabungan simpanan        ( 1,133,858,747 )    ( 606,200,607 )         current accounts and
      nasabah                                                                      customers savings
      Kenaikan (penurunan)                                                    Increase (decrease) in
      deposito berjangka            ( 481,129,600 )    ( 1,383,645,945 )    customers time deposits
      nasabah
      Kenaikan (penurunan)                                                    Increase (decrease) in
      simpanan dari bank lain            44,977,151     ( 299,302,890 )           other banks saving
                                                                                             deposits
      Kenaikan (penurunan)                                                    Increase (decrease) in
                                      ( 81,310,212 )      ( 34,945,768 )
      liabilitas lainnya                                                              other liabilities
   Jumlah arus kas bersih                                                          Total net cash flows
   yang diperoleh dari                                                         received from (used in)
Page 12
   (digunakan untuk) aktivitas   ( 1,030,448,671 )    374,393,109             operating activities
   operasi
Arus kas dari aktivitas                                                   Cash flows from investing
investasi                                                                                     activities
   Penerimaan dividen dari                                                 Dividends received from
                                           12,918           43,677
   aktivitas investasi                                                            investing activities
   Penerimaan dari penjualan                                               Proceeds from disposal
   (perolehan) aset tetap           ( 10,433,475 )   ( 45,608,367 )    (acquisition) of property and
                                                                                          equipment
   Pencairan (penempatan)                                                Withdrawal (placement) of
   efek-efek yang                    706,093,290      602,020,236             marketable securities
   diperdagangkan
   Jumlah arus kas bersih                                                    Total net cash flows
   yang diperoleh dari                                                    received from (used in)
                                     695,672,733      556,455,546
   (digunakan untuk) aktivitas                                                investing activities
   investasi
Arus kas dari aktivitas                                                  Cash flows from financing
pendanaan                                                                                 activities
   Penerimaan pinjaman yang                                             Proceeds from borrowings
                                       ( 476,131 )      ( 452,956 )
   diterima
   Penerimaan (pengeluaran)                                           Other cash inflows (outflows)
   kas lainnya dari aktivitas     ( 273,637,931 )           78,054         from financing activities
   pendanaan
   Jumlah arus kas bersih                                                    Total net cash flows
   yang diperoleh dari                                                    received from (used in)
                                  ( 274,114,062 )       ( 374,902 )
   (digunakan untuk) aktivitas                                                financing activities
   pendanaan
Jumlah kenaikan (penurunan)                                         Total net increase (decrease)
                                  ( 608,890,000 )     930,473,753
bersih kas dan setara kas                                           in cash and cash equivalents
Kas dan setara kas arus kas,                                       Cash and cash equivalents cash
                                   2,130,373,160     2,140,267,175
awal periode                                                          flows, beginning of the period
Kas dan setara kas arus kas,                                           Cash and cash equivalents
                                   1,521,483,160     3,070,740,928
akhir periode                                                       cash flows, end of the period
Page 13
[4610000] Explanation for Significant Accounting Policy - Financial and Sharia Industry
Page 14
[4611000] Notes to the financial statements - Property, Plant, and Equipement - Financial and Sharia Industry - Current Year

30 June 2023

Aset tetap                                                                                                                                                                            Property, plant, and equipment
                                                       Aset tetap, awal      Penambahan aset          Pengurangan aset                                       Aset tetap, akhir
                                                                                                                              Reklasifikasi aset tetap
                                                           periode                tetap                    tetap                                                 periode
                                                      Property, plant, and                                                      Reclassifications of
                                                                             Addition in property,   Disposals in property,                                 Property, plant, and
                                                     equipment, beginning                                                       property, plant, and
                                                                             plant, and equipment    plant, and equipment                                  equipment, end period
                                                            period                                                                  equipment
Nilai perolehan, kotor   Tanah, dimiliki langsung           154,559,803                                                                                           154,559,803        Land, directly owned Carrying amount, gross
                         Bangunan dan                                                                                                                                              Building and leasehold
                         fasilitasnya, dimiliki             101,520,471                                                                                           101,520,471       improvement, directly
                         langsung                                                                                                                                                                   owned
                         Perabot dan peralatan                                                                                                                                        Furniture and office
                         kantor, dimiliki langsung          132,403,800               2,924,770            ( 3,153,965 )                  3,202,744               135,377,349          equipment, directly
                                                                                                                                                                                                    owned
                         Kendaraan bermotor,                                                                                                                                        Motor vehicle, directly
                                                             20,563,702                                    ( 1,154,135 )                                           19,409,567
                         dimiliki langsung                                                                                                                                                          owned
                         Lainnya, dimiliki                                                                                                                                         Others, directly owned
                                                             88,656,957                  612,610           ( 3,101,433 )                    204,240                86,372,374
                         langsung
                         Dimiliki langsung                  497,704,733               3,537,380            ( 7,409,533 )                  3,406,984               497,239,564             Directly owned
                         Lainnya, aset hak guna                                                                                                                                       Others, right of use
                                                            112,123,145               3,359,331            ( 8,598,891 )                                          106,883,585
                                                                                                                                                                                                    assets
                         Aset hak guna                      112,123,145               3,359,331            ( 8,598,891 )                                          106,883,585        Right of use assets
                         Lainnya, dalam                                                                                                                                              Others, assets under
                                                               8,882,984              4,269,250                        (0)            ( 3,406,984 )                  9,745,250
                         penyelesaian                                                                                                                                                         construction
                         Aset dalam                                                                                                                                                         Assets under
                                                               8,882,984              4,269,250                        (0)            ( 3,406,984 )                  9,745,250
                         penyelesaian                                                                                                                                                       construction
                         Aset tetap                                                                                                                                                 Property, plant, and
                                                            618,710,862              11,165,961           ( 16,008,424 )                               0          613,868,399
                                                                                                                                                                                               equipment
Akumulasi depresiasi     Bangunan dan                                                                                                                                              Building and leasehold      Carrying amount,
                         fasilitasnya, dimiliki              28,270,087               1,940,960                                                                    30,211,047       improvement, directly          accumulated
                         langsung                                                                                                                                                                   owned           depreciation
                         Perabot dan peralatan                                                                                                                                        Furniture and office
                         kantor, dimiliki langsung           61,911,442               9,189,400            ( 3,042,683 )                                           68,058,159          equipment, directly
                                                                                                                                                                                                    owned
                         Kendaraan bermotor,                                                                                                                                        Motor vehicle, directly
                                                             16,381,753                  584,444           ( 1,154,135 )                                           15,812,062
                         dimiliki langsung                                                                                                                                                          owned
                         Lainnya, dimiliki                                                                                                                                         Others, directly owned
Page 15
                  langsung                  19,551,739    8,733,058    ( 3,068,396 )    25,216,401
                  Dimiliki langsung        126,115,021   20,447,862    ( 7,265,214 )   139,297,669        Directly owned
                  Lainnya, aset hak guna                                                               Others, right of use
                                            19,845,223   12,035,076    ( 8,598,891 )    23,281,408
                                                                                                                    assets
                  Aset hak guna             19,845,223   12,035,076    ( 8,598,891 )    23,281,408   Right of use assets
                  Aset tetap                                                                         Property, plant, and
                                           145,960,244   32,482,938   ( 15,864,105 )   162,579,077
                                                                                                               equipment
Nilai perolehan   Aset tetap                                                                         Property, plant, and     Carrying amount
                                           472,750,618                                 451,289,322
                                                                                                               equipment
Page 16
[4611000] Notes to the financial statements - Property, Plant, and Equipement - Financial and Sharia Industry - Prior Year

31 December 2022

Aset tetap                                                                                                                                                                          Property, plant, and equipment
                                                       Aset tetap, awal      Penambahan aset          Pengurangan aset                                     Aset tetap, akhir
                                                                                                                              Reklasifikasi aset tetap
                                                           periode                tetap                    tetap                                               periode
                                                      Property, plant, and                                                      Reclassifications of
                                                                             Addition in property,   Disposals in property,                               Property, plant, and
                                                     equipment, beginning                                                       property, plant, and
                                                                             plant, and equipment    plant, and equipment                                equipment, end period
                                                            period                                                                  equipment
Nilai perolehan, kotor   Tanah, dimiliki langsung           154,559,803                                                                                         154,559,803        Land, directly owned Carrying amount, gross
                         Bangunan dan                                                                                                                                            Building and leasehold
                         fasilitasnya, dimiliki             100,822,569                  697,902                                                                101,520,471       improvement, directly
                         langsung                                                                                                                                                                 owned
                         Perabot dan peralatan                                                                                                                                      Furniture and office
                         kantor, dimiliki langsung           88,076,019              53,598,425            ( 7,519,280 )              ( 1,751,364 )             132,403,800          equipment, directly
                                                                                                                                                                                                  owned
                         Kendaraan bermotor,                                                                                                                                      Motor vehicle, directly
                                                             19,481,023                3,891,789           ( 2,809,110 )                                         20,563,702
                         dimiliki langsung                                                                                                                                                        owned
                         Lainnya, dimiliki                                                                                                                                       Others, directly owned
                                                             23,796,751              66,095,089            ( 1,190,883 )                  ( 44,000 )             88,656,957
                         langsung
                         Dimiliki langsung                  386,736,165             124,283,205           ( 11,519,273 )              ( 1,795,364 )             497,704,733             Directly owned
                         Lainnya, aset hak guna                                                                                                                                     Others, right of use
                                                             17,078,934              95,374,059               ( 329,848 )                                       112,123,145
                                                                                                                                                                                                  assets
                         Aset hak guna                       17,078,934              95,374,059               ( 329,848 )                                       112,123,145        Right of use assets
                         Lainnya, dalam                                                                                                                                            Others, assets under
                                                               7,980,555               8,882,985                       (0)            ( 7,980,556 )                8,882,984
                         penyelesaian                                                                                                                                                       construction
                         Aset dalam                                                                                                                                                       Assets under
                                                               7,980,555               8,882,985                       (0)            ( 7,980,556 )                8,882,984
                         penyelesaian                                                                                                                                                     construction
                         Aset tetap                                                                                                                                               Property, plant, and
                                                            411,795,654             228,540,249           ( 11,849,121 )              ( 9,775,920 )             618,710,862
                                                                                                                                                                                             equipment
Akumulasi depresiasi     Bangunan dan                                                                                                                                            Building and leasehold      Carrying amount,
                         fasilitasnya, dimiliki              24,400,510                3,869,577                                                                 28,270,087       improvement, directly          accumulated
                         langsung                                                                                                                                                                 owned           depreciation
                         Perabot dan peralatan                                                                                                                                      Furniture and office
                         kantor, dimiliki langsung           57,003,909              13,263,842            ( 7,369,147 )                 ( 987,162 )             61,911,442          equipment, directly
                                                                                                                                                                                                  owned
                         Kendaraan bermotor,                                                                                                                                      Motor vehicle, directly
                                                             18,038,195                1,115,541           ( 2,771,983 )                                         16,381,753
                         dimiliki langsung                                                                                                                                                        owned
                         Lainnya, dimiliki                                                                                                                                       Others, directly owned
Page 17
                  langsung                  14,580,774    6,160,779     ( 1,189,814 )                  19,551,739
                  Dimiliki langsung        114,023,388   24,409,739   ( 11,330,944 )    ( 987,162 )   126,115,021        Directly owned
                  Lainnya, aset hak guna                                                                              Others, right of use
                                             7,646,636   12,437,560      ( 238,973 )                   19,845,223
                                                                                                                                   assets
                  Aset hak guna              7,646,636   12,437,560      ( 238,973 )                   19,845,223   Right of use assets
                  Aset dalam                                                                                              Assets under
                                                                                                               0
                  penyelesaian                                                                                             construction
                  Aset tetap                                                                                        Property, plant, and
                                           121,670,024   36,847,299   ( 11,569,917 )    ( 987,162 )   145,960,244
                                                                                                                              equipment
Nilai perolehan   Aset tetap                                                                                        Property, plant, and     Carrying amount
                                           290,125,630                                                472,750,618
                                                                                                                              equipment
Page 18
[4611100] Disclosure of Notes to the financial statements - Property, Plant and Equipment - Financial and Sharia Industry

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