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Nomor Surat 062/CRP/VII/2023
Nama Emiten PT Bank Ganesha Tbk.
Kode Emiten BGTG
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 Ganesha Tbk. yang tidak memerlukan tanda tangan karena dihasilkan secara elektronik. PT
Bank Ganesha 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 Ganesha 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 BGTG Entity code
Nomor identifikasi entitas AA726 Entity identification number
Industri utama entitas Keuangan dan Syariah / Entity main industry
Financial and Sharia
Standar akutansi yang dipilih PSAK Selected accounting standards
Sektor G. Financials Sector
Subsektor G1. Banks Subsector
Industri G11. Banks Industry
Subindustri G111. Banks Subindustry
Informasi pemegang saham Controlling shareholder information
National Corporation
pengendali
Jenis entitas Local Company - Indonesia Type of entity
Jurisdiction
Jenis efek yang dicatatkan Saham / Stock Type of listed securities
Jenis papan perdagangan tempat Type of board on which the entity is
Pengembangan / Development
entitas tercatat listed
Apakah merupakan laporan keuangan Whether the financial statements are
satu entitas atau suatu kelompok Entitas tunggal / Single entity of an individual entity or a group of
entitas entities
Periode penyampaian laporan Period of financial statements
Kuartal II / Second Quarter
keuangan submissions
Tanggal awal periode berjalan January 01, 2023 Current period start date
Tanggal akhir periode berjalan June 30, 2023 Current period end date
Tanggal akhir tahun sebelumnya December 31, 2022 Prior year end date
Tanggal awal periode sebelumnya January 01, 2022 Prior period start date
Tanggal akhir periode sebelumnya June 30, 2022 Prior period end date
Tanggal akhir 2 tahun sebelumnya December 31, 2021 Prior 2 year end date
Mata uang pelaporan Rupiah / IDR Description of presentation currency
Kurs konversi pada tanggal pelaporan Conversion rate at reporting date if
jika mata uang penyajian selain rupiah presentation currency is other than
rupiah
Pembulatan yang digunakan dalam Level of rounding used in financial
penyajian jumlah dalam laporan 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 48,316 61,990 Cash
Giro pada bank lain Current accounts with other
banks
Giro pada bank lain pihak Current accounts with
668,586 1,472,360
ketiga other banks third parties
Cadangan kerugian Allowance for impairment
penurunan nilai pada giro ( 749 ) ( 778 ) losses for current
pada bank lain accounts with other bank
Cadangan kerugian Allowance for impairment
penurunan nilai pada losses for placements with
( 29 ) ( 16 )
penempatan pada bank other banks
lain
Efek-efek yang Marketable securities
diperdagangkan
Efek-efek yang Marketable securities third
diperdagangkan pihak 216,072 parties
ketiga
Efek yang dibeli dengan janji Securities purchased under
1,101,638 766,672
dijual kembali agreement to resale
Tagihan akseptasi Acceptance receivables
Tagihan akseptasi pihak Acceptance receivables
522 12,215
ketiga third parties
Cadangan kerugian Allowance for impairment
penurunan nilai pada (2) (2) losses for acceptance
tagihan akseptasi receivables
Pinjaman yang diberikan Loans
Pinjaman yang diberikan Loans third parties
3,732,490 2,869,682
pihak ketiga
Pinjaman yang diberikan Loans related parties
39,642 43,111
pihak berelasi
Cadangan kerugian Allowance for impairment
penurunan nilai pada ( 157,878 ) ( 62,231 ) losses for loans
pinjaman yang diberikan
Obligasi pemerintah 1,080,676 1,651,080 Government bonds
Biaya dibayar dimuka 8,459 7,317 Prepaid expenses
Jaminan 4,416 1,553 Guarantees
Aset pajak tangguhan 56,330 57,102 Deferred tax assets
Aset imbalan pasca kerja Post-employment benefit
15,164 17,376
assets
Aset takberwujud selain Intangible assets other than
10,885 11,674
goodwill goodwill
Aset tetap Property, plant, and
61,093 60,389
equipment
Aset hak guna 20,412 22,354 Right of use assets
Agunan yang diambil alih 45,054 48,954 Foreclosed assets
Aset lainnya 33,329 32,274 Other assets
Jumlah aset 7,580,889 8,968,132 Total assets
Liabilitas, dana syirkah Liabilities, temporary syirkah
temporer dan ekuitas funds and equity
Liabilitas Liabilities
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Liabilitas segera 43,982 111,586 Obligations due
immediately
Simpanan nasabah Customers deposits
Giro Current accounts
Giro pihak ketiga Current accounts
1,573,314 2,308,534
third parties
Giro pihak berelasi Current accounts
5,926 8,925
related parties
Tabungan Savings
Tabungan pihak Savings third
400,325 454,622
ketiga parties
Tabungan pihak Savings related
15,359 9,129
berelasi parties
Deposito berjangka Time deposits
Deposito berjangka Time deposits third
2,263,415 2,754,961
pihak ketiga parties
Deposito berjangka Time deposits
31,964 86,780
pihak berelasi related parties
Simpanan dari bank lain Other banks deposits
Simpanan dari bank Other banks deposits
2,151 2,425
lain pihak ketiga third parties
Liabilitas akseptasi Acceptance liabilities
Liabilitas akseptasi Acceptance liabilities
522 12,215
pihak ketiga third parties
Pendapatan ditangguhkan 6,367 1,885 Deferred income
Beban akrual 7,608 6,606 Accrued expenses
Utang pajak 5,511 16,226 Taxes payable
Liabilitas lainnya 29,654 32,350 Other liabilities
Kewajiban imbalan pasca Post-employment benefit
21,727 23,126
kerja obligations
Jumlah liabilitas 4,407,825 5,829,370 Total liabilities
Ekuitas Equity
Ekuitas yang Equity attributable to
diatribusikan kepada equity owners of parent
pemilik entitas induk entity
Saham biasa 2,397,100 1,647,100 Common stocks
Tambahan modal Additional paid-in
692,110 542,110
disetor capital
Uang muka setoran Advances in capital
0 900,000
modal stock
Cadangan revaluasi 33,746 33,746 Revaluation reserves
Cadangan perubahan Reserve for changes in
nilai wajar aset fair value of fair value
keuangan nilai wajar ( 4,905 ) ( 8,197 ) through other
melalui pendapatan comprehensive income
komprehensif lainnya financial assets
Saldo laba Retained earnings
(akumulasi kerugian) (deficit)
Saldo laba yang Appropriated
telah ditentukan retained earnings
penggunaanya
Cadangan General and
1,100 100
umum dan wajib legal reserves
Saldo laba yang Unappropriated
belum ditentukan 53,913 23,903 retained earnings
penggunaannya
Jumlah ekuitas yang Total equity
diatribusikan kepada attributable to equity
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pemilik entitas induk 3,173,064 3,138,762 owners of parent
entity
Jumlah ekuitas 3,173,064 3,138,762 Total equity
Jumlah liabilitas, dana Total liabilities, temporary
syirkah temporer dan 7,580,889 8,968,132 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 279,808 191,809 Interest income
Beban bunga ( 65,517 ) ( 61,097 ) Interest expenses
Pendapatan sekuritas Securities income
Keuntungan (kerugian) Realised gains (losses) on
dari transaksi trading of marketable
2,548 1,975
perdagangan efek yang securities
telah direalisasi
Keuntungan (kerugian) Gains (losses) on changes
perubahan nilai wajar efek 76 in fair value of marketable
securities
Pendapatan operasional Other operating income
lainnya
Pendapatan provisi dan Provisions and
komisi dari transaksi commissions income from
12,769 12,108
lainnya selain kredit transactions other than
loan
Keuntungan (kerugian) Gains (losses) on changes
selisih kurs mata uang 2,330 1,911 in foreign exchange rates
asing
Pendapatan operasional Other operating income
10,523 3,440
lainnya
Pembentukan kerugian Allowances for impairment
penurunan nilai losses
Pembentukan penyisihan Allowances for impairment
kerugian penurunan nilai ( 100,419 ) ( 51,285 ) losses on earnings assets
aset produktif
Beban operasional lainnya Other operating expenses
Beban umum dan General and
( 28,801 ) ( 27,850 )
administrasi administrative expenses
Beban operasional Other operating
( 72,430 ) ( 61,320 )
lainnya expenses
Jumlah laba operasional 40,887 9,691 Total profit from operation
Pendapatan dan beban bukan Non-operating income and
operasional expense
Beban bukan operasional ( 2,603 ) ( 2,807 ) Non-operating expenses
Jumlah laba (rugi) sebelum Total profit (loss) before tax
38,284 6,884
pajak penghasilan
Pendapatan (beban) pajak ( 7,274 ) ( 1,308 ) Tax benefit (expenses)
Jumlah laba (rugi) dari operasi Total profit (loss) from
31,010 5,576
yang dilanjutkan continuing operations
Jumlah laba (rugi) 31,010 5,576 Total profit (loss)
Pendapatan komprehensif Other comprehensive income,
lainnya, setelah pajak after tax
Pendapatan komprehensif Other comprehensive
lainnya yang akan income that may be
direklasifikasi ke laba rugi, reclassified to profit or
setelah pajak loss, after tax
Keuntungan (kerugian) Unrealised gains (losses)
yang belum direalisasi on changes in fair value
Page 8
atas perubahan nilai wajar through other
3,292 ( 12,803 )
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 3,292 ( 12,803 ) that may be reclassified
ke laba rugi, setelah to profit or loss, after tax
pajak
Jumlah pendapatan Total other comprehensive
komprehensif lainnya, 3,292 ( 12,803 ) income, after tax
setelah pajak
Jumlah laba rugi komprehensif 34,302 ( 7,227 ) Total comprehensive income
Laba (rugi) yang dapat Profit (loss) attributable to
diatribusikan
Laba (rugi) yang dapat Profit (loss) attributable to
31,010 5,576
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 34,302 ( 7,227 ) 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 1.29 0.4 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 1.29 0.4 share from continuing
dilanjutkan operations
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[4410000] Statement of changes in equity - Financial and Sharia Industry - Current Year
30 June 2023
Laporan perubahan ekuitas Statement of changes in equity
Cadangan perubahan
Saldo laba yang telah
nilai wajar aset Saldo laba yang belum Ekuitas yang dapat
Tambahan modal Uang muka setoran ditentukan
Saham biasa Cadangan revaluasi keuangan nilai wajar ditentukan diatribusikan kepada Ekuitas
disetor modal penggunaannya-cadangan
melalui pendapatan penggunaannya entitas induk
umum dan wajib
komprehensif lainnya
Reserve for changes in
fair value of fair value Appropriated retained
Advances in capital Unappropriated retained Equity attributable to
Common stocks Additional paid-in capital Revaluation reserves through other earnings-general and legal Equity
stock earnings parent entity
comprehensive income reserves
financial assets
Posisi ekuitas Equity position
Saldo awal periode sebelum penyajian kembali 1,647,100 542,110 900,000 33,746 ( 8,197 ) 100 23,903 3,138,762 3,138,762 Balance before restatement at beginning of period
Posisi ekuitas, awal periode 1,647,100 542,110 900,000 33,746 ( 8,197 ) 100 23,903 3,138,762 3,138,762 Equity position, beginning of the period
Laba (rugi) 31,010 31,010 31,010 Profit (loss)
Pendapatan komprehensif lainnya 3,292 3,292 3,292 Other comprehensive income
Pembentukan cadangan umum 1,000 ( 1,000 ) 0 0 Allocation for general reserves
Transaksi ekuitas lainnya 750,000 150,000 ( 900,000 ) 0 0 Other equity transactions
Posisi ekuitas, akhir periode 2,397,100 692,110 0 33,746 ( 4,905 ) 1,100 53,913 3,173,064 3,173,064 Equity position, end of the period
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[4410000] Statement of changes in equity - Financial and Sharia Industry - Prior Year
30 June 2022
Laporan perubahan ekuitas Statement of changes in equity
Cadangan perubahan
Saldo laba yang telah
nilai wajar aset Saldo laba yang belum Ekuitas yang dapat
Tambahan modal Uang muka setoran ditentukan
Saham biasa Cadangan revaluasi keuangan nilai wajar ditentukan diatribusikan kepada Ekuitas
disetor modal penggunaannya-cadangan
melalui pendapatan penggunaannya entitas induk
umum dan wajib
komprehensif lainnya
Reserve for changes in
fair value of fair value Appropriated retained
Advances in capital Unappropriated retained Equity attributable to
Common stocks Additional paid-in capital Revaluation reserves through other earnings-general and legal Equity
stock earnings parent entity
comprehensive income reserves
financial assets
Posisi ekuitas Equity position
Saldo awal periode sebelum penyajian kembali 1,117,506 17,703 1,000,000 33,746 1,492 100 ( 21,658 ) 2,148,889 2,148,889 Balance before restatement at beginning of period
Posisi ekuitas, awal periode 1,117,506 17,703 1,000,000 33,746 1,492 100 ( 21,658 ) 2,148,889 2,148,889 Equity position, beginning of the period
Laba (rugi) 5,576 5,576 5,576 Profit (loss)
Pendapatan komprehensif lainnya ( 12,803 ) ( 12,803 ) ( 12,803 ) Other comprehensive income
Transaksi ekuitas lainnya 529,594 527,329 ( 1,000,000 ) 56,923 56,923 Other equity transactions
Posisi ekuitas, akhir periode 1,647,100 545,032 0 33,746 ( 11,311 ) 100 ( 16,082 ) 2,198,585 2,198,585 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 284,290 197,095 income, fees and
komisi commissions received
Pembayaran bunga dan Payments Of Interest And
bonus, provisi dan komisi ( 85,830 ) ( 89,309 ) Bonus Fees And
Commissions
Pendapatan dari transaksi Income from other
25,840 17,523
operasional lainnya operating transactions
Pembayaran gaji dan Payments for salaries and
( 72,061 ) ( 59,733 )
tunjangan allowances
Laba (rugi) selisih kurs Foreign currency gains
2,330 1,911
(losses)
Penerimaan Refunds (payments) of
pengembalian income tax
( 4,043 ) ( 1,088 )
(pembayaran) pajak
penghasilan
Pembayaran beban Payments for other
( 27,410 ) ( 24,528 )
operasional lainnya operating expenses
Penerimaan pendapatan Receipts from
( 2,602 ) ( 2,953 )
non-operasional non-operating income
Penurunan (kenaikan) aset Decrease (increase) in
operasi operating assets
Penurunan (kenaikan) Decrease (increase) in
302,210 ( 261,270 )
efek yang diperdagangkan marketable securities
Penurunan (kenaikan) Decrease (increase) in
efek yang dibeli dengan ( 334,966 ) 772,691 securities purchased
janji dijual kembali under resale agreements
Penurunan (kenaikan) Decrease (increase) in
wesel ekspor dan tagihan 0 0 bills and other receivables
lainnya
Penurunan (kenaikan) Decrease (increase) in
11,693 5,269
tagihan akseptasi acceptance receivables
Penurunan (kenaikan) Decrease (increase) in
( 864,112 ) ( 84,688 )
pinjaman yang diberikan loans
Penurunan (kenaikan) Decrease (increase) in
( 42 ) 17,739
aset lainnya other assets
Kenaikan (penurunan) Increase (decrease) in
liabilitas operasi operating liabilities
Kenaikan (penurunan) Increase (decrease) in
liabilitas segera ( 67,605 ) 6,894 obligations due
immediately
Kenaikan (penurunan) giro Increase (decrease) in
dan tabungan simpanan ( 786,286 ) 2,506,892 current accounts and
nasabah customers savings
Kenaikan (penurunan) Increase (decrease) in
deposito berjangka ( 546,362 ) 132,891 customers time deposits
nasabah
Kenaikan (penurunan) Increase (decrease) in
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simpanan dari bank lain ( 274 ) ( 95 ) other banks saving
deposits
Kenaikan (penurunan) Increase (decrease) in
( 11,693 ) ( 5,269 )
liabilitas akseptasi acceptance payables
Kenaikan (penurunan) Increase (decrease) in
12,324 16,980
liabilitas lainnya other liabilities
Jumlah arus kas bersih Total net cash flows
yang diperoleh dari received from (used in)
( 2,164,599 ) 3,146,952
(digunakan untuk) aktivitas operating activities
operasi
Arus kas dari aktivitas Cash flows from investing
investasi activities
Penerimaan dari penjualan Proceeds from disposal
(perolehan) aset tetap ( 3,143 ) ( 68 ) (acquisition) of property and
equipment
Penerimaan (pengeluaran) Other cash inflows (outflows)
kas lainnya dari aktivitas 56,262 0 from investing activities
investasi
Jumlah arus kas bersih Total net cash flows
yang diperoleh dari received from (used in)
53,119 ( 68 )
(digunakan untuk) aktivitas investing activities
investasi
Arus kas dari aktivitas Cash flows from financing
pendanaan activities
Penerimaan setoran modal Proceeds from capital
56,923
contributions
Penerimaan (pengeluaran) Other cash inflows (outflows)
kas lainnya dari aktivitas ( 4,562 ) ( 4,529 ) from financing activities
pendanaan
Jumlah arus kas bersih Total net cash flows
yang diperoleh dari received from (used in)
( 4,562 ) 52,394
(digunakan untuk) aktivitas financing activities
pendanaan
Jumlah kenaikan (penurunan) Total net increase (decrease)
( 2,116,042 ) 3,199,278
bersih kas dan setara kas in cash and cash equivalents
Kas dan setara kas arus kas, Cash and cash equivalents cash
3,429,407 3,673,736
awal periode flows, beginning of the period
Kas dan setara kas arus kas, Cash and cash equivalents
1,313,365 6,873,014
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 NA Basis of preparation of consolidated financial
konsolidasian statements
Prinsip-prinsip konsolidasi NA Principles of consolidation
Kas dan setara kas Notes 2,4,31 Cash and cash equivalents
Aset tetap Notes 2,12 Fixed assets
Penurunan nilai aset nonkeuangan NA Impairment of non-financial assets
Beban tangguhan Notes 2 Deferred charges
Pengakuan pendapatan dan beban Notes 2 Revenue and expense recognition
Page 14
Penjabaran mata uang asing Notes 2 Foreign currency translation Transaksi dengan pihak berelasi Notes 2,29 Transactions with related parties Pajak penghasilan Notes 2,26 Income taxes Pinjaman NA Borrowings Provisi Notes 2 Provisions Imbalan kerja karyawan Notes 2,28 Employee benefits Laba per saham Notes 2 Earnings per share
Page 15
Dividen NA Dividends
Pelaporan segmen Notes 2,32 Segment reporting
Instrumen keuangan derivatif NA Derivative financial instruments
Penerapan standar akutansi baru Notes 2 The implementation of new statements of
accounting standards
Kombinasi bisnis NA Business combination
Penentuan nilai wajar Notes 2 Determination of fair value
Transaksi dan saldo dalam mata uang asing NA Foreign currency transactions and balances
Page 16
Giro pada Bank Indonesia dan bank lain Notes 2,5,6,31 Current accounts with Bank Indonesia and
other banks
Penempatan pada Bank Indonesia dan bank lain Notes 2,7 Placements with Bank Indonesia and other
banks
Efek-efek Notes 2,8,31 Securities
Investasi jangka pendek NA Short-term investment
Aset hak guna Notes 2,13 Right of use assets
Properti investasi NA Investment properties
Goodwill NA Goodwill
Investasi pada entitas asosiasi NA Investment in associates
Page 17
Aset takberwujud Notes 2,14 Intangible assets
Beban dibayar dimuka Notes 2,15 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 Notes 2,16,17,29,31 Deposits from customers and deposits from
other banks
Obligasi subordinasi NA Subordinated bonds
Page 18
Efek-efek yang dibeli dengan janji dibeli kembali Notes 2,9 Securities purchased under resell agreements Saham treasuri NA Treasury stock Modal saham Notes 2 Share capital Pengaturan pembayaran berbasis saham NA Share-based payment arrangement Biaya emisi efek ekuitas Notes 2 Stock issuance cost Instrumen keuangan Notes 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 Notes 40 Events after reporting period Penerapan standar akuntansi baru Notes 2 Adoption of new accounting standards Standar akuntansi yang telah disahkan namun Notes 2 Accounting standards issued but not yet belum berlaku efektif effective Utang pembiayaan konsumen NA Consumer financing liabilities
Page 20
[4611000] Notes to the financial statements - Property, Plant, and Equipement - Financial and Sharia Industry - Current Year
30 June 2023
Aset tetap Property, plant, and equipment
Aset tetap, awal periode Penambahan aset tetap Aset tetap, akhir periode
Property, plant, and Addition in property, plant, Property, plant, and
equipment, beginning period and equipment equipment, end period
Nilai perolehan, kotor Tanah, dimiliki langsung 35,470 35,470 Land, directly owned Carrying amount, gross
Bangunan dan fasilitasnya, Building and leasehold
27,246 1,013 28,259
dimiliki langsung improvement, directly owned
Mesin dan peralatan, dimiliki Machinery and equipment,
0
langsung directly owned
Alat berat, dimiliki langsung Heavy equipment, directly
0
owned
Alat pengangkutan, dimiliki Transportation equipment,
0
langsung directly owned
Perabot dan peralatan kantor, Furniture and office equipment,
35,422 1,111 36,533
dimiliki langsung directly owned
Kendaraan bermotor, dimiliki Motor vehicle, directly owned
8,023 1,019 9,042
langsung
Pesawat, dimiliki langsung 0 Aircraft, directly owned
Kapal, dimiliki langsung 0 Vessels, directly owned
Lainnya, dimiliki langsung 0 Others, directly owned
Dimiliki langsung 106,161 3,143 109,304 Directly owned
Bangunan, aset hak guna 0 Building, right of use assets
Mesin, aset hak guna 0 Machinery, right of use assets
Alat berat, aset hak guna Heavy equipment, right of use
0
assets
Alat pengangkutan, aset hak Transportation equipment, right
0
guna of use assets
Kendaraan bermotor, aset hak Motor vehicle, rights of use
0
guna assets
Perabot dan peralatan kantor, Furniture and office equipment,
0
aset hak guna rights of use assets
Pesawat, aset hak guna 0 Aircraft, right of use assets
Kapal, aset hak guna 0 Vessels, right of use assets
Lainnya, aset hak guna 0 Others, right of use assets
Page 21
Aset hak guna 0 Right of use assets
Bangunan, dalam penyelesaian Building, assets under
0
construction
Mesin dan alat berat, dalam Machinery and heavy
penyelesaian 0 equipment, assets under
construction
Lainnya, dalam penyelesaian Others, assets under
0
construction
Aset dalam penyelesaian 0 Assets under construction
Aset tetap Property, plant, and
106,161 3,143 109,304
equipment
Akumulasi depresiasi Tanah, dimiliki langsung 0 0 Land, directly owned Carrying amount, accumulated
Bangunan dan fasilitasnya, Building and leasehold depreciation
10,847 1,186 12,033
dimiliki langsung improvement, directly owned
Mesin dan peralatan, dimiliki Machinery and equipment,
0
langsung directly owned
Alat berat, dimiliki langsung Heavy equipment, directly
0
owned
Alat pengangkutan, dimiliki Transportation equipment,
0
langsung directly owned
Perabot dan peralatan kantor, Furniture and office equipment,
30,664 801 31,465
dimiliki langsung directly owned
Kendaraan bermotor, dimiliki Motor vehicle, directly owned
4,261 452 4,713
langsung
Pesawat, dimiliki langsung 0 Aircraft, directly owned
Kapal, dimiliki langsung 0 Vessels, directly owned
Lainnya, dimiliki langsung 0 Others, directly owned
Dimiliki langsung 45,772 2,439 48,211 Directly owned
Bangunan, aset hak guna 0 Building, right of use assets
Mesin, aset hak guna 0 Machinery, right of use assets
Alat berat, aset hak guna Heavy equipment, right of use
0
assets
Alat pengangkutan, aset hak Transportation equipment, right
0
guna of use assets
Kendaraan bermotor, aset hak Motor vehicle, rights of use
0
guna assets
Perabot dan peralatan kantor, Furniture and office equipment,
0
aset hak guna rights of use assets
Pesawat, aset hak guna 0 Aircraft, right of use assets
Kapal, aset hak guna 0 Vessels, right of use assets
Page 22
Lainnya, aset hak guna 0 Others, right of use assets
Aset hak guna 0 Right of use assets
Bangunan, dalam penyelesaian Building, assets under
0
construction
Mesin dan alat berat, dalam Machinery and heavy
penyelesaian 0 equipment, assets under
construction
Lainnya, dalam penyelesaian Others, assets under
0
construction
Aset dalam penyelesaian 0 Assets under construction
Aset tetap Property, plant, and
45,772 2,439 48,211
equipment
Nilai perolehan Aset tetap Property, plant, and Carrying amount
60,389 61,093
equipment
Page 23
[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 Pengurangan aset tetap
periode
Property, plant, and
Addition in property, plant, Disposals in property, Property, plant, and
equipment, beginning
and equipment plant, and equipment equipment, end period
period
Nilai perolehan, kotor Tanah, dimiliki langsung 35,470 35,470 Land, directly owned Carrying amount, gross
Bangunan dan fasilitasnya, Building and leasehold
26,974 272 27,246
dimiliki langsung improvement, directly owned
Mesin dan peralatan, dimiliki Machinery and equipment,
0
langsung directly owned
Alat berat, dimiliki langsung Heavy equipment, directly
0
owned
Alat pengangkutan, dimiliki Transportation equipment,
0
langsung directly owned
Perabot dan peralatan Furniture and office
35,336 2,482 ( 2,396 ) 35,422
kantor, dimiliki langsung equipment, directly owned
Kendaraan bermotor, dimiliki Motor vehicle, directly owned
7,535 1,229 ( 741 ) 8,023
langsung
Pesawat, dimiliki langsung 0 Aircraft, directly owned
Kapal, dimiliki langsung 0 Vessels, directly owned
Lainnya, dimiliki langsung 0 Others, directly owned
Dimiliki langsung 105,315 3,983 ( 3,137 ) 106,161 Directly owned
Bangunan, aset hak guna 0 Building, right of use assets
Mesin, aset hak guna Machinery, right of use
0
assets
Alat berat, aset hak guna Heavy equipment, right of
0
use assets
Alat pengangkutan, aset hak Transportation equipment,
0
guna right of use assets
Kendaraan bermotor, aset Motor vehicle, rights of use
0
hak guna assets
Perabot dan peralatan Furniture and office
kantor, aset hak guna 0 equipment, rights of use
assets
Page 24
Pesawat, aset hak guna 0 Aircraft, right of use assets
Kapal, aset hak guna 0 Vessels, right of use assets
Lainnya, aset hak guna 0 Others, right of use assets
Aset hak guna 0 Right of use assets
Bangunan, dalam Building, assets under
0
penyelesaian construction
Mesin dan alat berat, dalam Machinery and heavy
penyelesaian 0 equipment, assets under
construction
Lainnya, dalam penyelesaian Others, assets under
0
construction
Aset dalam penyelesaian 0 Assets under construction
Aset tetap Property, plant, and
105,315 3,983 ( 3,137 ) 106,161
equipment
Akumulasi depresiasi Tanah, dimiliki langsung 0 0 Land, directly owned Carrying amount,
Bangunan dan fasilitasnya, Building and leasehold accumulated depreciation
8,488 2,359 10,847
dimiliki langsung improvement, directly owned
Mesin dan peralatan, dimiliki Machinery and equipment,
0
langsung directly owned
Alat berat, dimiliki langsung Heavy equipment, directly
0
owned
Alat pengangkutan, dimiliki Transportation equipment,
0
langsung directly owned
Perabot dan peralatan Furniture and office
30,923 2,082 ( 2,341 ) 30,664
kantor, dimiliki langsung equipment, directly owned
Kendaraan bermotor, dimiliki Motor vehicle, directly owned
4,322 678 ( 739 ) 4,261
langsung
Pesawat, dimiliki langsung 0 Aircraft, directly owned
Kapal, dimiliki langsung 0 Vessels, directly owned
Lainnya, dimiliki langsung 0 Others, directly owned
Dimiliki langsung 43,733 5,119 ( 3,080 ) 45,772 Directly owned
Bangunan, aset hak guna 0 Building, right of use assets
Mesin, aset hak guna Machinery, right of use
0
assets
Alat berat, aset hak guna Heavy equipment, right of
0
use assets
Alat pengangkutan, aset hak Transportation equipment,
0
guna right of use assets
Kendaraan bermotor, aset Motor vehicle, rights of use
0
hak guna assets
Page 25
Perabot dan peralatan 0 Furniture and office
kantor, aset hak guna equipment, rights of use
assets
Pesawat, aset hak guna 0 Aircraft, right of use assets
Kapal, aset hak guna 0 Vessels, right of use assets
Lainnya, aset hak guna 0 Others, right of use assets
Aset hak guna 0 Right of use assets
Bangunan, dalam Building, assets under
0
penyelesaian construction
Mesin dan alat berat, dalam Machinery and heavy
penyelesaian 0 equipment, assets under
construction
Lainnya, dalam penyelesaian Others, assets under
0
construction
Aset dalam penyelesaian 0 Assets under construction
Aset tetap Property, plant, and
43,733 5,119 ( 3,080 ) 45,772
equipment
Nilai perolehan Aset tetap Property, plant, and Carrying amount
61,582 60,389
equipment
Page 26
[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 Notes 2,12 Disclosure of notes for property, plant and
equipment
Page 27
[4612000] Notes to the financial statements - Right of Use Assets - Financial and Sharia Industry - Current Year
30 June 2023
Aset hak guna Right of use assets
Aset hak guna, periode Penambahan aset hak Pengurangan aset hak Aset hak guna, periode
awal guna guna akhir
Right of use assets, Addition in right of use Disposals in right of use Right of use assets,
beginning period assets assets end period
Nilai perolehan, kotor Mesin, aset hak guna Machinery, right of use Carrying amount, gross
907 169 ( 712 ) 364
assets
Alat pengangkutan, aset hak Transportation equipment,
0
guna right of use assets
Alat berat, aset hak guna Heavy equipment, right of
0
use assets
Bangunan, aset hak guna 60,750 1,708 ( 882 ) 61,576 Building, right of use assets
Pesawat, aset hak guna 0 Aircraft, right of use assets
Kapal, aset hak guna 0 Vessels, right of use assets
Lainnya, aset hak guna 0 Others, right of use assets
Aset hak guna 61,657 1,877 ( 1,594 ) 61,940 Right of use assets
Akumulasi depresiasi Mesin, aset hak guna Machinery, right of use Carrying amount,
728 138 ( 712 ) 154
assets accumulated depreciation
Alat pengangkutan, aset hak Transportation equipment,
0
guna right of use assets
Alat berat, aset hak guna Heavy equipment, right of
0
use assets
Bangunan, aset hak guna 38,575 3,681 ( 882 ) 41,374 Building, right of use assets
Aset hak guna 39,303 3,819 ( 1,594 ) 41,528 Right of use assets
Nilai perolehan Aset hak guna 22,354 20,412 Right of use assets Carrying amount
Page 28
[4612000] Notes to the financial statements - Right of Use Assets - Financial and Sharia Industry - Prior Year
31 December 2022
Aset hak guna Right of use assets
Aset hak guna, periode Penambahan aset hak Pengurangan aset hak Aset hak guna, periode
awal guna guna akhir
Right of use assets, Addition in right of use Disposals in right of use Right of use assets,
beginning period assets assets end period
Nilai perolehan, kotor Mesin, aset hak guna Machinery, right of use Carrying amount, gross
1,352 197 ( 642 ) 907
assets
Bangunan, aset hak guna 60,597 1,619 ( 1,466 ) 60,750 Building, right of use assets
Aset hak guna 61,949 1,816 ( 2,108 ) 61,657 Right of use assets
Akumulasi depresiasi Mesin, aset hak guna Machinery, right of use Carrying amount,
903 467 ( 642 ) 728
assets accumulated depreciation
Bangunan, aset hak guna 32,616 7,425 ( 1,466 ) 38,575 Building, right of use assets
Aset hak guna 33,519 7,892 ( 2,108 ) 39,303 Right of use assets
Nilai perolehan Aset hak guna 28,430 22,354 Right of use assets Carrying amount
Page 29
[4612100] Disclosure of Notes to the financial statements - Right of Use Assets - Financial and Sharia Industry
Pengungkapan Disclosure
30 June 2023
Pengungkapan catatan atas aset hak guna Notes 2,13 Disclosure of notes for right of use assets
Page 30
[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 2,475,043 114,241 21,243 2,394 27,930 2,640,851 Working capital Rupiah
Investasi 603,198 8,482 0 0 7,798 619,478 Investment
Sindikasi 0 Syndicated
Program pemerintah 0 Government programs
Karyawan 0 Employee
Ekspor 0 Export
Subtotal pinjaman Others, subtotal loans
0
lainnya
Konsumen 356,824 9,757 0 13 6,541 373,135 Consumer
Subtotal Pinjaman Subtotal Loans by
3,435,065 132,480 21,243 2,407 42,269 3,633,464
berdasarkan tipe type
Mata uang asing Modal kerja 138,668 0 0 0 0 138,668 Working capital Foreign currencies
Investasi 0 Investment
Sindikasi 0 Syndicated
Program pemerintah 0 Government programs
Karyawan 0 Employee
Ekspor 0 Export
Subtotal pinjaman Others, subtotal loans
0
lainnya
Konsumen 0 Consumer
Subtotal Pinjaman Subtotal Loans by
138,668 0 0 0 0 138,668
berdasarkan tipe type
Subtotal Seluruh Subtotal Pinjaman Subtotal Loans by Subtotal on all
3,573,733 132,480 21,243 2,407 42,269 3,772,132
Mata Uang berdasarkan tipe type Currencies
30 June 2023
Page 31
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 3,573,733 132,480 21,243 2,407 42,269 3,772,132 Total loans, gross
Cadangan kerugian Allowance for impairment
penurunan nilai pada ( 36,180 ) ( 58,828 ) ( 19,837 ) ( 890 ) ( 42,143 ) ( 157,878 ) losses for loans
pinjaman yang diberikan
Total pinjaman, bersih 3,537,553 73,652 1,406 1,517 126 3,614,254 Total loans, net
31 December 2022
Pinjaman berdasarkan tipe Loans by type
Total pinjaman, kotor
Total loans, gross
Total Loans by
Current Special mention Substandard Doubtful Loss
collectibility
Jumlah Pinjaman
Dalam perhatian
Lancar Kurang lancar Diragukan Macet berdasarkan
khusus
kolektibilitas
Rupiah Modal kerja 1,732,290 130,677 5,245 45,366 176 1,913,754 Working capital Rupiah
Investasi 582,981 4,180 7,798 594,959 Investment
Sindikasi 0 Syndicated
Program pemerintah 0 Government programs
Karyawan 0 Employee
Ekspor 0 Export
Subtotal pinjaman Others, subtotal loans
0
lainnya
Konsumen 250,830 9,212 52 260,094 Consumer
Subtotal Pinjaman Subtotal Loans by
2,566,101 144,069 5,245 45,366 8,026 2,768,807
berdasarkan tipe type
Mata uang asing Modal kerja 143,986 143,986 Working capital Foreign currencies
Investasi 0 Investment
Sindikasi 0 Syndicated
Program pemerintah 0 Government programs
Karyawan 0 Employee
Ekspor 0 Export
Page 32
Subtotal pinjaman 0 Others, subtotal loans
lainnya
Konsumen 0 Consumer
Subtotal Pinjaman Subtotal Loans by
143,986 0 0 0 0 143,986
berdasarkan tipe type
Subtotal Seluruh Subtotal Pinjaman Subtotal Loans by Subtotal on all
2,710,087 144,069 5,245 45,366 8,026 2,912,793
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 2,710,087 144,069 5,245 45,366 8,026 2,912,793 Total loans, gross
Cadangan kerugian Allowance for impairment
penurunan nilai pada ( 7,974 ) ( 15,426 ) ( 4,999 ) ( 25,886 ) ( 7,946 ) ( 62,231 ) losses for loans
pinjaman yang diberikan
Total pinjaman, bersih 2,702,113 128,643 246 19,480 80 2,850,562 Total loans, net
Page 33
[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 998,795 84,793 112 182 3,230 1,087,112 Manufacturing Rupiah
Perdagangan, restoran Trading, restaurants and
394,492 27,435 1,349 1,753 27,032 452,061
dan hotel hotels
Pertanian 170,415 3,856 324 377 4,446 179,418 Agriculture
Jasa dunia usaha 349,880 0 0 0 0 349,880 Business services
Konstruksi 14,345 0 0 0 0 14,345 Construction
Pengangkutan, Transportation,
pergudangan dan 75,680 4,179 0 0 0 79,859 warehousing and
komunikasi communications
Listrik, gas dan air 140 0 0 0 0 140 Electricity, gas and water
Jasa sosial 3,769 0 0 0 0 3,769 Social services
Pertambangan 513,918 387 0 0 0 514,305 Mining
Properti 421,263 85 19,375 8 246 440,977 Property
Lain-lain 492,368 11,745 83 87 7,315 511,598 Other sectors
Subtotal Pinjaman Subtotal Loans by
berdasarkan sektor 3,435,065 132,480 21,243 2,407 42,269 3,633,464 economic sector
ekonomi
Mata uang asing Perindustrian 0 Manufacturing Foreign currencies
Perdagangan, restoran Trading, restaurants and
33,720 0 0 0 0 33,720
dan hotel hotels
Pertanian 0 Agriculture
Jasa dunia usaha 0 Business services
Konstruksi 0 Construction
Pengangkutan, Transportation,
pergudangan dan 0 warehousing and
komunikasi communications
Listrik, gas dan air 0 Electricity, gas and water
Page 34
Jasa sosial 0 Social services
Pertambangan 104,948 0 0 0 0 104,948 Mining
Properti 0 Property
Lain-lain 0 Other sectors
Subtotal Pinjaman Subtotal Loans by
berdasarkan sektor 138,668 0 0 0 0 138,668 economic sector
ekonomi
Subtotal Seluruh Subtotal Pinjaman Subtotal Loans by Subtotal on all
Mata Uang berdasarkan sektor 3,573,733 132,480 21,243 2,407 42,269 3,772,132 economic sector Currencies
ekonomi
30 June 2023
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 3,573,733 132,480 21,243 2,407 42,269 3,772,132 Total loans, gross
Cadangan kerugian Allowance for impairment
penurunan nilai pada ( 36,180 ) ( 58,828 ) ( 19,837 ) ( 890 ) ( 42,143 ) ( 157,878 ) losses for loans
pinjaman yang diberikan
Total pinjaman, bersih 3,537,553 73,652 1,406 1,517 126 3,614,254 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 563,986 100,818 625 2,478 8 667,915 Manufacturing Rupiah
Perdagangan, restoran Trading, restaurants and
386,570 29,084 3,627 15,252 7,910 442,443
dan hotel hotels
Pertanian 118,020 1,259 799 3,344 35 123,457 Agriculture
Jasa dunia usaha 395,565 0 0 0 0 395,565 Business services
Page 35
Konstruksi 13,965 0 0 0 0 13,965 Construction
Pengangkutan, Transportation,
pergudangan dan 43,118 3,395 0 0 0 46,513 warehousing and
komunikasi communications
Listrik, gas dan air 134 0 0 0 0 134 Electricity, gas and water
Jasa sosial 18,544 172 84 364 11 19,175 Social services
Pertambangan 259,603 0 0 0 0 259,603 Mining
Properti 400,457 60 51 23,707 2 424,277 Property
Lain-lain 366,139 9,281 59 221 60 375,760 Other sectors
Subtotal Pinjaman Subtotal Loans by
berdasarkan sektor 2,566,101 144,069 5,245 45,366 8,026 2,768,807 economic sector
ekonomi
Mata uang asing Perindustrian 0 Manufacturing Foreign currencies
Perdagangan, restoran Trading, restaurants and
35,013 35,013
dan hotel hotels
Pertanian 0 Agriculture
Jasa dunia usaha 0 Business services
Konstruksi 0 Construction
Pengangkutan, Transportation,
pergudangan dan 0 warehousing and
komunikasi communications
Listrik, gas dan air 0 Electricity, gas and water
Jasa sosial 0 Social services
Pertambangan 108,973 108,973 Mining
Properti 0 Property
Lain-lain 0 Other sectors
Subtotal Pinjaman Subtotal Loans by
berdasarkan sektor 143,986 0 0 0 0 143,986 economic sector
ekonomi
Subtotal Seluruh Subtotal Pinjaman Subtotal Loans by Subtotal on all
Mata Uang berdasarkan sektor 2,710,087 144,069 5,245 45,366 8,026 2,912,793 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
Page 36
Lancar Dalam perhatian khusus Kurang lancar Diragukan Macet berdasarkan kolektibilitas Total pinjaman, kotor 2,710,087 144,069 5,245 45,366 8,026 2,912,793 Total loans, gross Cadangan kerugian Allowance for impairment penurunan nilai pada ( 7,974 ) ( 15,426 ) ( 4,999 ) ( 25,886 ) ( 7,946 ) ( 62,231 ) losses for loans pinjaman yang diberikan Total pinjaman, bersih 2,702,113 128,643 246 19,480 80 2,850,562 Total loans, net
Page 37
[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 Notes 2,10,29,31 Disclosure of notes for loans and sharia
piutang syariah receivables/financing
Page 38
[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 5,060 8,532 Rupiah Related parties Current accounts
Mata uang asing 866 393 Foreign currencies
Subtotal Seluruh Subtotal on all
5,926 8,925
Mata Uang Currencies
Pihak ketiga Rupiah 763,762 946,811 Rupiah Third parties
Mata uang asing 809,552 1,361,723 Foreign currencies
Subtotal Seluruh Subtotal on all
1,573,314 2,308,534
Mata Uang Currencies
Subtotal Seluruh Subtotal Seluruh Subtotal on all Subtotal on all
1,579,240 2,317,459
Pihak Mata Uang Currencies Parties
Page 39
[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 15,359 9,129 Rupiah Related parties Savings deposits
Subtotal Seluruh Subtotal on all
15,359 9,129
Mata Uang Currencies
Pihak ketiga Rupiah 400,325 454,622 Rupiah Third
Subtotal Seluruh Subtotal on all parties
400,325 454,622
Mata Uang Currencies
Subtotal Seluruh Subtotal Seluruh Subtotal on all Subtotal on all
415,684 463,751
Pihak Mata Uang Currencies Parties
Page 40
[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 31,476 86,274 Rupiah Related parties Time deposits
Mata uang asing 488 506 Foreign currencies
Subtotal Seluruh Subtotal on all
31,964 86,780
Mata Uang Currencies
Pihak ketiga Rupiah 1,852,003 2,014,212 Rupiah Third parties
Mata uang asing 411,412 740,749 Foreign currencies
Subtotal Seluruh Subtotal on all
2,263,415 2,754,961
Mata Uang Currencies
Subtotal Seluruh Subtotal Seluruh Subtotal on all Subtotal on all
2,295,379 2,841,741
Pihak Mata Uang Currencies Parties
Page 41
[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 Notes 2,16,29,31 Disclosure of notes for third party funds
Page 42
[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 160,975 123,776 Loans interest income
Efek-efek 72,099 35,484 Marketable securities income
Penempatan pada Bank Placements with Bank
Indonesia dan bank lain 45,499 31,934 Indonesia and other banks
income
Lain-lain 1,235 615 Other interest income
Subtotal pendapatan bunga 279,808 191,809 Subtotal interest income
Page 43
[4631110] Disclosure of Interest and Sharia Income - Financial and Sharia Industry
Pengungkapan Disclosure
30 June 2023
Pengungkapan catatan atas pendapatan bunga Notes 2,21,29 Disclosure of interest and sharia income
dan syariah
Page 44
[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
47,102 40,992
expense
Tabungan Saving deposits interest
3,464 4,832
expense
Pinjaman yang diterima 6 3 Borrowings interest expense
Premi penjaminan dana pihak Premium on third party fund
6,771 7,442
ketiga guarantees
Giro Current accounts interest
8,174 7,828
expense
Lain-lain Others interest expense
0
interest expense
Subtotal beban bunga 65,517 61,097 Subtotal interest expense
Page 45
[4632110] Disclosure of Notes to the financial statements - Interest Expense - Financial and Sharia Industry
Pengungkapan Disclosure
30 June 2023
Pengungkapan catatan atas beban bunga Notes 2,22,29,33 Disclosure of notes for interest expense
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