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Nomor Surat 052/DIR-EKS/07/23
Nama Emiten Bank Victoria International Tbk
Kode Emiten BVIC
Perihal Penyampaian Laporan Keuangan Interim Yang Tidak Diaudit
Perseroan dengan ini menyampaikan laporan keuangan untuk periode 6 Bulan yang berakhir pada 30/06/2023 dengan ikhtisar sebagai berikut :
Informasi mengenai anak perusahaan Perseroan sebagai berikut :
No Nama Kegiatan Lokasi Tahun Status Jumlah Aset Satuan Mata Persentase
Usaha Komersil Operasi Uang (%)
1 PT Bank Perbankan Jakarta 1966 Masih 0 RIBUAN IDR 19.81
Victoria Syariah Beroperasi
Syariah
(dahulu PT
Bank
Swaguna)
Dokumen ini merupakan dokumen resmi Bank Victoria International Tbk yang tidak memerlukan tanda tangan karena dihasilkan secara elektronik.
Bank Victoria International 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 Bank Victoria International 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 BVIC Entity code
Nomor identifikasi entitas AA311 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 Ya / Yes Any Key Audit Matters Opinion
Jumlah Hal Audit Utama Total Key Audit Matters
Paragraf Hal Audit Utama Key Audit Matters Paragraph
Tanggal laporan audit atau hasil Date of auditor's opinion or result of
laporan review review report
Auditor tahun berjalan Current year auditor
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Nama partner audit tahun berjalan Name of current year audit signing
partner
Lama tahun penugasan partner yang Number of years served as audit
menandatangani signing partner
Auditor tahun sebelumnya Prior year auditor
Nama partner audit tahun sebelumnya Name of prior year audit signing
partner
Kepatuhan terhadap pemenuhan Whether in compliance with OJK rules
peraturan OJK Nomor: No. 75/POJK.04/2017 concerning
Ya / Yes
75/POJK.04/2017 tentang Tanggung responsibilities of board of directors on
Jawab Direksi Atas Laporan Keuangan financial statements
Kepatuhan terhadap pemenuhan Compliance to the independency of
independensi akuntan yang Accountant that provide services in
memberikan jasa audit di pasar modal Capital Market as regulated in OJK
sesuai dengan POJK Nomor Ya / Yes rules No. 13/POJK.03/2017
13/POJK.03/2017 tentang concerning The Use of Public
Penggunaan Jasa Akuntan Publik Accountant and Auditing Firm in
dalam Kegiatan Jasa Keuangan Financial Services Activities.
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[4220000] Statement of financial position presented using order of liquidity -
Financial and Sharia Industry
Laporan posisi keuangan Statement of financial position
30 June 2023 31 December 2022
Aset Assets
Kas 114,699,352 51,897,124 Cash
Giro pada bank lain Current accounts with other
banks
Giro pada bank lain pihak Current accounts with
129,208,191 228,384,427
ketiga other banks third parties
Cadangan kerugian Allowance for impairment
penurunan nilai pada losses for placements with
( 88 ) ( 13,015 )
penempatan pada bank other banks
lain
Efek-efek yang Marketable securities
diperdagangkan
Efek-efek yang Marketable securities third
diperdagangkan pihak 5,225,471,904 4,818,553,397 parties
ketiga
Cadangan kerugian Allowance for impairment
penurunan nilai pada losses for marketable
( 7,468,634 ) ( 8,862,949 )
efek-efek yang securities
diperdagangkan
Efek yang dibeli dengan janji Securities purchased under
839,432,375
dijual kembali agreement to resale
Tagihan akseptasi Acceptance receivables
Tagihan akseptasi pihak Acceptance receivables
17,757,689 7,754,446
ketiga third parties
Pinjaman yang diberikan Loans
Pinjaman yang diberikan Loans third parties
17,090,194,081 15,751,345,408
pihak ketiga
Pinjaman yang diberikan Loans related parties
145,360,955 73,265,683
pihak berelasi
Cadangan kerugian Allowance for impairment
penurunan nilai pada ( 495,106,065 ) ( 538,118,251 ) losses for loans
pinjaman yang diberikan
Biaya dibayar dimuka 23,118,210 19,714,677 Prepaid expenses
Aset pajak tangguhan 169,897,148 197,607,333 Deferred tax assets
Aset takberwujud selain Intangible assets other than
2,506,691 2,531,184
goodwill goodwill
Aset tetap Property, plant, and
458,540,316 470,853,027
equipment
Agunan yang diambil alih 762,466,699 931,010,239 Foreclosed assets
Aset lainnya 722,483,423 721,739,642 Other assets
Jumlah aset 26,775,701,197 25,932,001,125 Total assets
Liabilitas, dana syirkah Liabilities, temporary syirkah
temporer dan ekuitas funds and equity
Liabilitas Liabilities
Simpanan nasabah Customers deposits
Giro Current accounts
Giro pihak ketiga Current accounts
1,505,640,546 2,137,111,787
third parties
Giro pihak berelasi Current accounts
358,787,704 246,769,560
related parties
Tabungan Savings
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Tabungan pihak 2,850,151,012 3,093,821,476 Savings third
ketiga parties
Tabungan pihak Savings related
104,506,759 54,402,780
berelasi parties
Deposito berjangka Time deposits
Deposito berjangka Time deposits third
14,368,250,781 13,755,293,896
pihak ketiga parties
Deposito berjangka Time deposits
598,441,090 84,438,138
pihak berelasi related parties
Simpanan dari bank lain Other banks deposits
Simpanan dari bank Other banks deposits
1,575,794,133 1,334,952,620
lain pihak berelasi related parties
Efek yang dijual dengan Securities sold with
240,865,160
janji untuk dibeli kembali repurchase agreement
Liabilitas akseptasi Acceptance liabilities
Liabilitas akseptasi Acceptance liabilities
17,180,702
pihak ketiga third parties
Efek yang diterbitkan Securities issued
Efek yang diterbitkan Others securities
1,345,321,271 1,051,903,552
lainnya issued
Beban akrual 185,842,133 160,940,580 Accrued expenses
Utang pajak 14,916,202 30,841,473 Taxes payable
Kewajiban imbalan pasca Post-employment benefit
40,807,622 40,196,622
kerja obligations
Jumlah liabilitas 22,965,639,955 22,231,537,644 Total liabilities
Ekuitas Equity
Ekuitas yang Equity attributable to
diatribusikan kepada equity owners of parent
pemilik entitas induk entity
Saham biasa 1,584,823,496 1,584,823,471 Common stocks
Tambahan modal Additional paid-in
668,684,728 670,584,856
disetor capital
Cadangan revaluasi 382,456,152 382,456,152 Revaluation reserves
Cadangan perubahan Reserve for changes in
nilai wajar aset fair value of fair value
keuangan nilai wajar ( 1,414,386 ) ( 38,589,677 ) through other
melalui pendapatan comprehensive income
komprehensif lainnya financial assets
Cadangan pengukuran Reserve of
kembali program 16,819,083 16,819,083 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
177,200,000 177,200,000
umum dan wajib legal reserves
Saldo laba yang Unappropriated
belum ditentukan 981,492,169 907,169,596 retained earnings
penggunaannya
Jumlah ekuitas yang Total equity
diatribusikan kepada attributable to equity
3,810,061,242 3,700,463,481
pemilik entitas induk owners of parent
entity
Jumlah ekuitas 3,810,061,242 3,700,463,481 Total equity
Jumlah liabilitas, dana Total liabilities, temporary
syirkah temporer dan 26,775,701,197 25,932,001,125 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 888,119,612 821,596,058 Interest income
Beban bunga ( 601,633,948 ) ( 489,091,848 ) Interest expenses
Pendapatan sekuritas Securities income
Keuntungan (kerugian) Realised gains (losses) on
dari transaksi trading of marketable
23,350,378 24,713,936
perdagangan efek yang securities
telah direalisasi
Keuntungan (kerugian) Gains (losses) on changes
perubahan nilai wajar efek 1,560,526 ( 608,314 ) in fair value of marketable
securities
Pendapatan operasional Other operating income
lainnya
Pendapatan investasi 8,184,449 15,581,443 Investments income
Pendapatan provisi dan Provisions and
komisi dari transaksi commissions income from
4,666,187 2,982,288
lainnya selain kredit transactions other than
loan
Pendapatan operasional Other operating income
82,050,452 142,995,293
lainnya
Pembentukan kerugian Allowances for impairment
penurunan nilai losses
Pembentukan penyisihan Allowances for impairment
kerugian penurunan nilai ( 105,514,664 ) ( 101,610,822 ) losses on earnings assets
aset produktif
Pembentukan penyisihan Allowances for impairment
kerugian penurunan nilai 2,000,000 ( 114,983,842 ) losses on non-earnings
aset non-produktif assets
Beban operasional lainnya Other operating expenses
Beban umum dan General and
( 146,261,003 ) ( 143,787,517 )
administrasi administrative expenses
Beban operasional Other operating
( 38,799,030 ) ( 27,578,348 )
lainnya expenses
Jumlah laba operasional 117,722,959 130,208,327 Total profit from operation
Pendapatan dan beban bukan Non-operating income and
operasional expense
Pendapatan bukan Non-operating income
( 25,628,606 ) ( 44,755,571 )
operasional
Beban bukan operasional ( 546,933 ) ( 717,033 ) Non-operating expenses
Jumlah laba (rugi) sebelum Total profit (loss) before tax
91,547,420 84,735,723
pajak penghasilan
Pendapatan (beban) pajak ( 17,224,847 ) ( 13,617,173 ) Tax benefit (expenses)
Jumlah laba (rugi) dari operasi Total profit (loss) from
74,322,573 71,118,550
yang dilanjutkan continuing operations
Jumlah laba (rugi) 74,322,573 71,118,550 Total profit (loss)
Pendapatan komprehensif Other comprehensive income,
lainnya, setelah pajak after tax
Pendapatan komprehensif Other comprehensive
lainnya yang akan income that may be
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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
36,206,909 ( 78,333,551 )
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 36,206,909 ( 78,333,551 ) that may be reclassified
ke laba rugi, setelah to profit or loss, after tax
pajak
Jumlah pendapatan Total other comprehensive
komprehensif lainnya, 36,206,909 ( 78,333,551 ) income, after tax
setelah pajak
Jumlah laba rugi komprehensif 110,529,482 ( 7,215,001 ) Total comprehensive income
Laba (rugi) yang dapat Profit (loss) attributable to
diatribusikan
Laba (rugi) yang dapat Profit (loss) attributable to
74,322,573 71,118,550
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 110,529,482 ( 7,215,001 ) 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 4.69 6.78 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 4.69 6.78 share from continuing
dilanjutkan operations
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[4410000] Statement of changes in equity - Financial and Sharia Industry - Current Year
30 June 2023
Laporan perubahan ekuitas Statement of changes in equity
Cadangan perubahan
Saldo laba yang telah
nilai wajar aset Cadangan pengukuran Saldo laba yang belum Ekuitas yang dapat
Tambahan modal ditentukan
Saham biasa Cadangan revaluasi keuangan nilai wajar kembali program ditentukan diatribusikan kepada Ekuitas
disetor penggunaannya-cadangan
melalui pendapatan imbalan pasti penggunaannya entitas induk
umum dan wajib
komprehensif lainnya
Reserve for changes in
fair value of fair value Reserve of Appropriated retained
Unappropriated retained Equity attributable to
Common stocks Additional paid-in capital Revaluation reserves through other remeasurements of earnings-general and legal Equity
earnings parent entity
comprehensive income defined benefit plans reserves
financial assets
Posisi ekuitas Equity position
Saldo awal periode sebelum penyajian kembali 1,584,823,471 670,584,856 382,456,152 ( 38,589,677 ) 16,819,083 177,200,000 907,169,596 3,700,463,481 3,700,463,481 Balance before restatement at beginning of period
Posisi ekuitas, awal periode 1,584,823,471 670,584,856 382,456,152 ( 38,589,677 ) 16,819,083 177,200,000 907,169,596 3,700,463,481 3,700,463,481 Equity position, beginning of the period
Laba (rugi) 74,322,573 74,322,573 74,322,573 Profit (loss)
Pendapatan komprehensif lainnya 36,206,909 36,206,909 36,206,909 Other comprehensive income
Biaya emisi efek ( 1,900,128 ) ( 1,900,128 ) ( 1,900,128 ) Stock issuance costs
Transaksi ekuitas lainnya 25 968,382 968,407 968,407 Other equity transactions
Posisi ekuitas, akhir periode 1,584,823,496 668,684,728 382,456,152 ( 1,414,386 ) 16,819,083 177,200,000 981,492,169 3,810,061,242 3,810,061,242 Equity position, end of the period
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[4410000] Statement of changes in equity - Financial and Sharia Industry - Prior Year
30 June 2022
Laporan perubahan ekuitas Statement of changes in equity
Cadangan perubahan
Saldo laba yang telah
nilai wajar aset Cadangan pengukuran Saldo laba yang belum Ekuitas yang dapat
Tambahan modal Uang muka setoran ditentukan Kepentingan
Saham biasa Cadangan revaluasi keuangan nilai wajar kembali program ditentukan diatribusikan kepada Ekuitas
disetor modal penggunaannya-cadangan non-pengendali
melalui pendapatan imbalan pasti penggunaannya entitas induk
umum dan wajib
komprehensif lainnya
Reserve for changes in
fair value of fair value Reserve of Appropriated retained
Unappropriated retained Equity attributable to
Common stocks Additional paid-in capital Advances in capital stock Revaluation reserves through other remeasurements of earnings-general and legal Non-controlling interests Equity
earnings parent entity
comprehensive income defined benefit plans reserves
financial assets
Posisi ekuitas Equity position
Saldo awal periode sebelum penyajian kembali 1,048,713,257 407,785,927 278,000,000 382,456,152 18,283,309 20,973,059 186,356,165 671,839,978 3,014,407,847 17,327 3,014,425,174 Balance before restatement at beginning of period
Posisi ekuitas, awal periode 1,048,713,257 407,785,927 278,000,000 382,456,152 18,283,309 20,973,059 186,356,165 671,839,978 3,014,407,847 17,327 3,014,425,174 Equity position, beginning of the period
Laba (rugi) 71,118,550 71,118,550 71,118,550 Profit (loss)
Pendapatan komprehensif lainnya ( 78,333,551 ) ( 78,333,551 ) ( 78,333,551 ) Other comprehensive income
Biaya emisi efek ( 3,737,250 ) ( 3,737,250 ) ( 3,737,250 ) Stock issuance costs
Transaksi ekuitas lainnya 254,500,000 ( 608,010 ) 619 253,892,609 59 253,892,668 Other equity transactions
Posisi ekuitas, akhir periode 1,048,713,257 404,048,677 532,500,000 382,456,152 ( 60,658,252 ) 20,973,059 186,356,165 742,959,147 3,257,348,205 17,386 3,257,365,591 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 883,085,917 786,062,502 income, fees and
komisi commissions received
Pembayaran bunga dan Payments Of Interest And
bonus, provisi dan komisi ( 502,109,651 ) ( 491,297,877 ) Bonus Fees And
Commissions
Pendapatan dari transaksi Income from other
19,151,785 195,714,271
operasional lainnya operating transactions
Pembayaran atas beban Payments of finance costs
keuangan dan beban ( 60,433,069 ) ( 49,585,500 ) and bank administration
administrasi bank charges
Pembayaran gaji dan Payments for salaries and
( 86,311,088 ) ( 82,694,103 )
tunjangan allowances
Penerimaan pendapatan Receipts from
14,191,297 ( 1,662,007 )
non-operasional non-operating income
Penerimaan Other cash inflows
(pengeluaran) kas lainnya 137,703,468 ( 52,160,467 ) (outflows) from operating
dari aktivitas operasi activities
Penurunan (kenaikan) aset Decrease (increase) in
operasi operating assets
Penurunan (kenaikan) Decrease (increase) in
efek yang dibeli dengan 839,432,375 592,540,802 securities purchased
janji dijual kembali under resale agreements
Penurunan (kenaikan) Decrease (increase) in
( 1,536,120,503 ) ( 632,924,843 )
pinjaman yang diberikan loans
Penurunan (kenaikan) Decrease (increase) in
( 1,970,228 ) ( 2,599,060 )
investasi sewa lease investments
Penurunan (kenaikan) Decrease (increase) in
229,799
agunan yang diambil alih foreclosed assets
Penurunan (kenaikan) Decrease (increase) in
( 45,691,605 ) ( 44,707,133 )
aset lainnya other assets
Kenaikan (penurunan) Increase (decrease) in
liabilitas operasi operating liabilities
Kenaikan (penurunan) Increase (decrease) in
liabilitas segera ( 2,017,606 ) obligations due
immediately
Kenaikan (penurunan) giro Increase (decrease) in
dan tabungan simpanan 413,940,254 2,873,251 current accounts and
nasabah customers savings
Kenaikan (penurunan) Increase (decrease) in
simpanan dari bank lain 240,841,513 80,806,044 other banks saving
deposits
Kenaikan (penurunan) Increase (decrease) in
efek yang dijual dengan ( 240,865,160 ) securities sold under
janji dibeli kembali repurchase agreement
Kenaikan (penurunan) Increase (decrease) in
17,180,702
liabilitas akseptasi acceptance payables
Kenaikan (penurunan) Increase (decrease) in
Page 12
dana syirkah temporer ( 337,587,820 ) temporary syirkah funds
Kenaikan (penurunan) Increase (decrease) in
( 15,925,272 ) ( 63,567,731 )
liabilitas lainnya other liabilities
Jumlah arus kas bersih Total net cash flows
yang diperoleh dari received from (used in)
76,100,735 ( 102,577,478 )
(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 942,413 12,851,221 (acquisition) of property and
equipment
Penerimaan dari penjualan Proceeds from disposal
(perolehan) aset takberwujud ( 596,237 ) ( 397,150 ) (acquisition) of intangible
selain goodwill assets other than goodwill
Penerimaan (pengeluaran) Other cash inflows (outflows)
kas lainnya dari aktivitas ( 353,257,877 ) 47,558,894 from investing activities
investasi
Jumlah arus kas bersih Total net cash flows
yang diperoleh dari received from (used in)
( 352,911,701 ) 60,012,965
(digunakan untuk) aktivitas investing activities
investasi
Arus kas dari aktivitas Cash flows from financing
pendanaan activities
Penerimaan pinjaman yang Proceeds from borrowings
( 50,000,000 )
diterima
Penerimaan dari penerbitan Proceeds from bonds
500,000,000
obligasi issuance
Pembayaran utang obligasi ( 200,000,000 ) Payments of bonds payable
Penerimaan setoran modal Proceeds from capital
( 1,900,103 ) 250,762,750
contributions
Penerimaan (pengeluaran) Other cash inflows (outflows)
kas lainnya dari aktivitas ( 5,997,990 ) ( 6,009,478 ) from financing activities
pendanaan
Jumlah arus kas bersih Total net cash flows
yang diperoleh dari received from (used in)
292,101,907 194,753,272
(digunakan untuk) aktivitas financing activities
pendanaan
Jumlah kenaikan (penurunan) Total net increase (decrease)
15,290,941 152,188,759
bersih kas dan setara kas in cash and cash equivalents
Kas dan setara kas arus kas, Cash and cash equivalents cash
2,645,187,928 1,886,562,456
awal periode flows, beginning of the period
Kas dan setara kas arus kas, Cash and cash equivalents
2,660,478,869 2,038,751,215
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 Laporan keuangan disusun sesuai dengan Standar Akuntansi Keuangan di Indonesia yang mencakup Basis of preparation of consolidated financial
konsolidasian Pernyataan dan Interpretasi yang diterbitkan oleh Dewan Standar Akuntansi Keuangan Ikatan statements
Akuntansi Indonesia dan Dewan Standar Akuntansi Syariah Ikatan Akuntansi Indonesia serta
Peraturan Badan Pengawas Pasar Modal dan Lembaga Keuangan (sekarang Otoritas Jasa Keuangan
("OJK")) No. VIII.G.7 tentang "Penyajian dan Pengungkapan Laporan Keuangan Emiten atau
Perusahaan Publik".
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 371,644,982 350,580 ( 6,675,061 ) 365,320,501 Land, directly owned Carrying amount, gross
Bangunan dan Building and leasehold
fasilitasnya, dimiliki 109,049,845 744,972 ( 1,068,779 ) ( 1,823,444 ) 106,902,594 improvement, directly
langsung owned
Mesin dan peralatan, Machinery and
dimiliki langsung 30,603,912 5,526,439 ( 175,625 ) 35,954,726 equipment, directly
owned
Perabot dan peralatan Furniture and office
kantor, dimiliki langsung 6,317,231 134,449 ( 68,075 ) 6,383,605 equipment, directly
owned
Kendaraan bermotor, Motor vehicle, directly
6,030,655 6,030,655
dimiliki langsung owned
Lainnya, dimiliki Others, directly owned
21,086,752 ( 350,581 ) 20,736,171
langsung
Dimiliki langsung 544,733,377 6,756,440 ( 7,987,540 ) ( 2,174,025 ) 541,328,252 Directly owned
Aset tetap Property, plant, and
544,733,377 6,756,440 ( 7,987,540 ) ( 2,174,025 ) 541,328,252
equipment
Akumulasi depresiasi Bangunan dan Building and leasehold Carrying amount,
fasilitasnya, dimiliki 38,937,121 9,341,350 ( 2,091,220 ) ( 146,784 ) 46,040,467 improvement, directly accumulated
langsung owned depreciation
Mesin dan peralatan, Machinery and
dimiliki langsung 23,339,109 1,836,896 ( 175,625 ) 25,000,380 equipment, directly
owned
Perabot dan peralatan Furniture and office
kantor, dimiliki langsung 5,962,013 105,235 ( 68,075 ) 5,999,173 equipment, directly
owned
Kendaraan bermotor, Motor vehicle, directly
5,642,107 105,809 5,747,916
dimiliki langsung owned
Dimiliki langsung 73,880,350 11,389,290 ( 2,334,920 ) ( 146,784 ) 82,787,936 Directly owned
Aset tetap Property, plant, and
Page 15
73,880,350 11,389,290 ( 2,334,920 ) ( 146,784 ) 82,787,936 equipment
Nilai perolehan Aset tetap Property, plant, and Carrying amount
470,853,027 458,540,316
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 412,385,631 ( 14,574,092 ) ( 26,166,557 ) 371,644,982 Land, directly owned Carrying amount, gross
Bangunan dan Building and leasehold
fasilitasnya, dimiliki 121,603,582 32,946,006 ( 34,941,433 ) ( 10,558,310 ) 109,049,845 improvement, directly
langsung owned
Mesin dan peralatan, Machinery and
dimiliki langsung 28,408,466 7,236,404 ( 5,040,958 ) 30,603,912 equipment, directly
owned
Perabot dan peralatan Furniture and office
kantor, dimiliki langsung 7,576,000 285,464 ( 1,544,233 ) 6,317,231 equipment, directly
owned
Kendaraan bermotor, Motor vehicle, directly
8,426,186 ( 2,395,531 ) 6,030,655
dimiliki langsung owned
Lainnya, dimiliki Others, directly owned
21,081,980 4,774 (2) 21,086,752
langsung
Dimiliki langsung 599,481,845 40,472,648 ( 58,496,249 ) ( 36,724,867 ) 544,733,377 Directly owned
Aset tetap Property, plant, and
599,481,845 40,472,648 ( 58,496,249 ) ( 36,724,867 ) 544,733,377
equipment
Akumulasi depresiasi Bangunan dan Building and leasehold Carrying amount,
fasilitasnya, dimiliki 51,342,122 18,989,215 ( 27,966,494 ) ( 3,427,722 ) 38,937,121 improvement, directly accumulated
langsung owned depreciation
Mesin dan peralatan, Machinery and
dimiliki langsung 25,777,066 2,498,941 ( 4,936,898 ) 23,339,109 equipment, directly
owned
Perabot dan peralatan Furniture and office
kantor, dimiliki langsung 7,191,454 250,144 ( 1,479,585 ) 5,962,013 equipment, directly
owned
Kendaraan bermotor, Motor vehicle, directly
7,051,855 970,946 ( 2,380,694 ) 5,642,107
dimiliki langsung owned
Dimiliki langsung 91,362,497 22,709,246 ( 36,763,671 ) ( 3,427,722 ) 73,880,350 Directly owned
Aset tetap Property, plant, and
Page 17
91,362,497 22,709,246 ( 36,763,671 ) ( 3,427,722 ) 73,880,350 equipment
Nilai perolehan Aset tetap Property, plant, and Carrying amount
508,119,348 470,853,027
equipment
Page 18
[4611100] Disclosure of Notes to the financial statements - Property, Plant and Equipment - Financial and Sharia Industry
Page 19
[4611100a] Notes to the financial statements - Loans and Sharia receivables/financing - by currency, related parties and third parties - Financial
and Sharia Industry
Pinjaman berdasarkan mata uang dan pihak Loans by currencies and
parties
31 December
30 June 2023
2022
Total pinjaman, kotor Total pinjaman, kotor
Total loans, gross Total loans, gross
Pinjaman Pihak berelasi Rupiah 145,360,955 73,265,683 Rupiah Related parties Conventional loans
konvensional Subtotal Seluruh Mata Subtotal on all
145,360,955 73,265,683
Uang Currencies
Pihak ketiga Rupiah 16,814,355,967 15,457,050,936 Rupiah Third parties
Mata uang asing 275,838,114 294,294,472 Foreign currencies
Subtotal Seluruh Mata Subtotal on all
17,090,194,081 15,751,345,408
Uang Currencies
Subtotal Seluruh Subtotal Seluruh Mata Rupiah Subtotal on all
17,235,555,036 15,824,611,091
Pihak Uang Currencies
Subtotal Seluruh Rupiah 15,530,316,619 Rupiah Subtotal on all
Pihak Mata uang asing 294,294,472 Parties Foreign currencies
Subtotal Seluruh Subtotal on all
17,235,555,036 15,824,611,091
Mata Uang Currencies
Total pinjaman berdasarkan mata uang dan pihak Total loans by currencies and parties
30 June 2023 31 December 2022
Total pinjaman, kotor 17,235,555,036 15,824,611,091 Total loans, gross
Cadangan kerugian penurunan nilai pada pinjaman yang Allowance for impairment losses for loans
( 495,106,065 ) ( 538,118,251 )
diberikan
Total pinjaman, bersih 16,740,448,971 15,286,492,840 Total loans, net
Page 20
[4614110] Disclosure of Notes to the financial statements - Loans and Sharia receivables/financing - Financial and Sharia Industry
Page 21
[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 490,890,118 83,284,258 Rupiah Related parties Time deposits
Mata uang asing 107,550,972 1,153,880 Foreign currencies
Subtotal Seluruh Subtotal on all
598,441,090 84,438,138
Mata Uang Currencies
Pihak ketiga Rupiah 13,829,665,753 13,075,519,188 Rupiah Third parties
Mata uang asing 380,543,925 468,933,811 Foreign currencies
Subtotal Seluruh Subtotal on all
14,210,209,678 13,544,452,999
Mata Uang Currencies
Subtotal Seluruh Subtotal Seluruh Subtotal on all Subtotal on all
14,808,650,768 13,628,891,137
Pihak Mata Uang Currencies Parties
Page 22
[4624110] Disclosure of Notes to the financial statements - Third Party Funds - Financial and Sharia Industry
Page 23
[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 721,541,256 584,210,671 Loans interest income
Efek-efek 153,717,775 212,423,422 Marketable securities income
Penempatan pada Bank Placements with Bank
Indonesia dan bank lain 12,860,581 5,751,138 Indonesia and other banks
income
Subtotal pendapatan bunga 888,119,612 802,385,231 Subtotal interest income
Pendapatan bagi hasil Musyrakah profit sharing
13,897,981
musyarakah
Pendapatan bagi hasil Mudharabah profit sharing
5,049,052
mudharabah
Pendapatan bersih ijarah 37,461 Ijarah income
Lain-lain 226,333 Other sharia income
Subtotal pendapatan Subtotal sharia income
syariah dan pendapatan
19,210,827
pengelolaan dana oleh
bank sebagai mudharib
Total pendapatan bunga dan Total interest and sharia
888,119,612 821,596,058
syariah income
Page 24
[4631110] Disclosure of Interest and Sharia Income - Financial and Sharia Industry
Page 25
[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
51,509,965 332,216,325
expense
Tabungan Saving deposits interest
70,482,397 55,958,112
expense
Giro Current accounts interest
399,080,262 18,704,387
expense
Efek-efek yang diterbitkan Securities issued interest
74,907,678 76,249,238
expense
Lain-lain Others interest expense
5,653,646 5,963,786
interest expense
Subtotal beban bunga 601,633,948 489,091,848 Subtotal interest expense
Total beban bunga dan syariah Total interest and sharia
601,633,948 489,091,848
expense
Page 26
[4632110] Disclosure of Notes to the financial statements - Interest Expense - Financial and Sharia Industry
Page 27
[4634000a] Notes to the financial statements - Bonds Payable - Financial and Sharia Industry
Page 28
[4634100] Disclosure of Notes to the financial statements - Bonds Payable - Financial and Sharia Industry
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