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Page 1
STATEMENTS OF FINANCIAL POSITION
PT Bank Tabungan Negara (Persero) Tbk
As of June 30 2023 and December 31, 2022
(In Millions of Rupiah)
June 30, 2023 December 31, 2022
No. DESCRIPTION
(Unaudited) (Audited)
ASSETS
1 Cash 1,748,281 1,661,533
2 Placements with Bank Indonesia 28,817,356 37,992,835
3 Placements with other banks 2,960,393 1,872,318
4 Spot and derivative receivables/forward 54,095 103,939
5 Securities 45,663,360 53,688,141
6 Securities sold under repurchase agreements (Repo) 3,607,377 -
7 Securities purchased under resale agreements (Reverse Repo) - 1,434,190
8 Acceptances receivables 964,833 420,562
9 Loans 273,767,450 266,657,565
10 Sharia financing 33,901,182 31,624,139
11 Investment in share - -
12 Others financials assets 12,177,273 10,756,035
13 Allowance for impairment on financial assets -/-
a Securities (2,004) (2,399)
b Loans and Sharia financing (15,652,953) (15,674,923)
c Others (2,081) (1,883)
14 Intangible assets - -
Accumulated amortisation for intangible assets -/- - -
15 Premises and equipment 10,887,825 10,599,848
Accumulated depreciation on premises and equipment -/- (4,522,524) (4,246,045)
16 Non earning assets
a Abandoned properties 1,410 1,410
b Repossessed assets 77,591 77,591
c Suspense account - -
d Inter office assets - -
17 Other assets 6,095,846 5,183,456
TOTAL ASSETS 400,544,710 402,148,312
LIABILITIES AND EQUITY
LIABILITIES
1 Demand deposits 128,676,936 114,006,513
2 Savings deposits 41,541,305 42,195,160
3 Time deposits 143,038,218 165,735,643
4 Electronic money - -
5 Fund from Bank Indonesia - -
6 Fund from other banks 1,526,348 179,182
7 Spot and derivative liabilities/forward 11,319 -
8 Securities sold under repurchase agreements (Repo) 3,482,205 -
9 Acceptances liabilities 964,833 420,562
10 Securities issued 6,637,794 8,652,260
11 Fund borrowings 34,994,364 33,979,224
12 Margin deposits received 9,843 9,872
13 Inter office liabilities - -
14 Other liabilities 11,266,764 11,060,542
15 Minority interest - -
TOTAL LIABILITIES 372,149,929 376,238,958
EQUITY
16 Share capital
a Authorised capital 10,239,216 10,239,216
b Unpaid-in capital -/- (3,221,994) (4,944,216)
c Treasury stock -/- - -
17 Additional Paid-in Capital
a Agio 4,418,900 2,054,454
b Disagio -/- - -
c Funds for paid-up capital - 2,756,575
d Others - -
18 Other comprehensive income
a Gain 3,508,565 3,508,565
b Losses -/- (1,362,239) (1,652,210)
19 Reserve
a General reserve 4,621,242 4,621,242
b Appropriated reserve 840,476 840,476
20 Retained Earning
a Previous years 7,876,237 5,440,179
b Current year 1,474,378 3,045,073
c Paid Dividend -/- - -
TOTAL EQUITY ATTRIBUTABLE TO OWNER 28,394,781 25,909,354
TOTAL EQUITY 28,394,781 25,909,354
TOTAL LIABILITIES AND EQUITY 400,544,710 402,148,312
Page 2
STATEMENTS OF INCOME AND OTHER COMPREHENSIVE
PT Bank Tabungan Negara (Persero) Tbk
For the Period Ended June 30, 2023 and 2022
(In Millions of Rupiah)
June 30, 2023 June 30, 2022
No DESCRIPTION
(Unaudited) (Audited)
OPERATING INCOME AND EXPENSES
A. Interest Income and Expenses
1 Interest income 13,521,941 12,677,010
2 Interest expenses 7,044,211 4,940,284
Net interest income (Expenses) 6,477,730 7,736,726
B. Operating Income and Expenses Other than Interest
1 Gain (loss) from increase (decrease) in fair value of financial assets 155,845 (138,576)
2 Gain (loss) from decrease (increase ) in fair value of financial liabilities - -
3 Gain (loss) from sale of financial assets 326,044 9,867
4 Gain (Loss) from spot and derivative transaction/forward (realised) 49,225 278
5 Gain (Loss) from investment in shares under equity method - -
6 Gain (Losses) from foreign currencies translation (109,143) 17,325
7 Dividend Income - -
8 Comissions/provisions/fees and administrative 640,951 599,887
9 Other income 545,898 348,507
10 Impairment for financial assets 1,947,918 2,069,785
11 Losses related to operational risk - -
12 Salaries and employee benefits 1,730,030 1,641,996
13 Promotion expenses 230,480 177,830
14 Other expenses 2,286,885 2,741,512
Other Operating Income (Expenses) (4,586,493) (5,793,835)
PROFIT (LOSS) FROM OPERATIONS 1,891,237 1,942,891
NON OPERATING INCOME AND EXPENSES
1 Gain (loss) from sale of premises and equipment - -
2 Other non operating income (expenses) (24,936) (25,416)
PROFIT (LOSS) FROM NON OPERATING (24,936) (25,416)
PROFIT (LOSS) CURRENT PERIOD BEFORE TAX 1,866,301 1,917,475
Income tax expenses
a Estimated current tax -/- (459,712) (461,669)
b Deferred tax income (expenses) 67,789 15,120
PROFIT (LOSS) CURRENT PERIOD 1,474,378 1,470,926
PROFIT (LOSS) MINORITY INTEREST - -
OTHER COMPREHENSIVE INCOME
1 Unreclassified to profit (loss)
a Gain (loss) from revaluation of premises and equipment - -
b Gain (loss) from remeasurement on defined benefit plans (220,941) 86,517
c Others 55,235 (16,438)
2 Reclassified to profit (loss)
a Gain (losses) from adjustments arising from translation of financial statement - -
b Gain (losses) from changes of financial assets on available for sale 530,571 (2,108,519)
c Others (74,894) 383,978
OTHER COMPREHENSIVE INCOME FOR THE YEAR AFTER TAX 289,971 (1,654,462)
TOTAL COMPREHENSIVE PROFIT (LOSS) FOR THE YEAR 1,764,349 (183,536)
Current Year Net Profit (Loss) Attributable to :
- Owner of Company 1,474,378 1,470,926
- Non Controlling Interest - -
TOTAL CURRENT YEAR NET PROFIT (LOSS) 1,474,378 1,470,926
Total Comprehensive Profit (Loss) For The Year Attributable to:
- Owner of Company 1,764,349 (183,536)
- Non Controlling Interest - -
TOTAL COMPREHENSIVE PROFIT (LOSS) FOR THE YEAR 1,764,349 (183,536)
TRANSFER PROFIT (LOSS) TO HEAD OFFICE - -
DIVIDEND - -
EARNINGS PER SHARE (in rupiah) 105 139
Page 3
STATEMENTS OF COMMITMENTS AND CONTINGENCIES
PT Bank Tabungan Negara (Persero) Tbk
As of June 30, 2023 and December 31, 2022
(In Millions of Rupiah)
June 30, 2023 December 31, 2022
No. DESCRIPTION
(Unaudited) (Audited)
I. COMMITMENT RECEIVABLES
1 Unused fund borrowings/financing facilities - -
2 Outstanding purchase position on spot and derivative/forward 1,680,973 2,641,853
3 Others - -
II. COMMITMENT PAYABLES
1 Unused loan facilities granted to customer
a Committed 190,449 80,128
b Uncommitted 18,442,970 15,029,853
2 Outstanding irrevocable letters of credit 411,005 221,484
3 Outstanding sales position on spot and derivative/forward 1,658,625 2,477,048
4 Others 13,415 13,100
III. CONTINGENT RECEIVABLES
1 Guarantees received 1,253,508 350,713
2 Others 9,982,421 5,169,262
IV. CONTINGENT PAYABLES
1 Guarantees issued 1,619,523 948,495
2 Others - -
Page 4
Statements of Assets’ Quality and Other Information
PT Bank Tabungan Negara (Persero) Tbk
As of June 30, 2023 and 2022
(In Millions of Rupiah)
PT BANK TABUNGAN NEGARA (PERSERO) Tbk
June 30, 2023 (Unaudited) June 30, 2022 (Audited)
No DESCRIPTION
Special Sub Special Sub
Current Doubtful Loss Total Current Doubtful Loss Total
Mention Standard Mention Standard
I. RELATED PARTIES
1. Placements with other banks
a. Rupiah - - - - - - - - - - - -
b. Foreign currencies - - - - - - - - - - - -
2. Spot and derivative receivables/ forward
a. Rupiah - - - - - - - - - - - -
b. Foreign currencies - - - - - - - - - - - -
3. Securities
a. Rupiah - - - - - - - - - - - -
b. Foreign currencies - - - - - - - - - - - -
4. Securities sold with agreement to repurchase (Repo)
a. Rupiah - - - - - - - - - - - -
b. Foreign currencies - - - - - - - - - - - -
5. Securities purchased with agreement to resell (Reverse Repo)
a. Rupiah - - - - - - - - - - - -
b. Foreign currencies - - - - - - - - - - - -
6. Acceptances receivables - - - - - - - - - - - -
7. Loans and financing provided
a. Micro, Small and Medium loans (UMKM)
i Rupiah - - - - - - - - - - - -
ii Foreign currencies - - - - - - - - - - - -
b. Non UMKM
i Rupiah 97,757 - - - - 97,757 109,278 596 145 - 2 110,021
ii Foreign currencies - - - - - - - - - - - -
c. Restructured loans
i Rupiah - - - - - - - - - - - -
ii Foreign currencies - - - - - - - - - - - -
8. Investments in shares - - - - - - - - - - - -
9. Other receivable - - - - - - - - - - - -
10. Commitments and contingencies
a. Rupiah - - - - - - - - - - - -
b. Foreign currencies - - - - - - - - - - - -
Page 5
PT BANK TABUNGAN NEGARA (PERSERO) Tbk
June 30, 2023 (Unaudited) June 30, 2022 (Audited)
No DESCRIPTION
Special Sub Special Sub
Current Doubtful Loss Total Current Doubtful Loss Total
Mention Standard Mention Standard
II. NON RELATED PARTIES
1. Placements with other banks
a. Rupiah 368,748 - - - - 368,748 557,438 - - - - 557,438
b. Foreign currencies 2,589,933 - - - 1,712 2,591,645 2,073,728 - - - 1,624 2,075,352
2. Spot and derivative receivables/ forward
a. Rupiah - - - - - - - - - - - -
b. Foreign currencies 54,095 - - - - 54,095 57,832 - - - - 57,832
3. Securities
a. Rupiah 40,933,462 47,600 4,329 6,614 54,503 41,046,508 53,520,453 39,992 4,139 6,398 60,884 53,631,866
b. Foreign currencies 4,616,852 - - - - 4,616,852 5,094,663 - - - - 5,094,663
4. Securities sold with agreement to repurchase (Repo)
a. Rupiah 3,607,377 - - - - 3,607,377 - - - - - -
b. Foreign currencies - - - - - - - - - - - -
5. Securities purchased with agreement to resell (Reverse Repo)
a. Rupiah - - - - - - - - - - - -
b. Foreign currencies - - - - - - - - - - - -
6. Acceptances receivables 964,833 - - - - 964,833 384,912 - - - - 384,912
7. Loans and financing provided
a.
Micro, Small and Medium loans (UMKM)
i Rupiah 5,077,346 195,056 21,182 40,994 1,270,450 6,605,028 7,343,732 2,057,537 92,788 241,052 2,714,318 12,449,427
ii Foreign currencies - - - - - - - - - - - -
b. Non UMKM
i Rupiah 260,201,810 29,138,814 917,539 1,444,943 7,556,466 299,259,572 247,746,168 18,750,427 271,821 808,213 6,008,426 273,585,055
ii Foreign currencies 1,706,275 - - - - 1,706,275 7,678 - - - - 7,678
c. Restructured loans
i Rupiah 30,665,721 15,840,806 523,646 1,108,075 6,294,220 54,432,468 45,044,384 9,725,474 157,140 823,345 5,009,497 60,759,840
ii Foreign currencies - - - - - - - - - - - -
8. Investments in shares - - - - - - - - - - - -
9 Other receivable - - - - - - - - - - - -
10 Commitments and contingencies
a. Rupiah 18,635,079 645,229 25,635 7,436 139,676 19,453,055 16,474,810 1,063,223 - - - 17,538,033
b. Foreign currencies 1,224,307 - - - - 1,224,307 277,092 - - - - 277,092
III. OTHER INFORMATION
1. Value of bank’s assets pledge as collateral:
a. To Bank Indonesia - -
b. To others - -
2. Repossessed assets 77,591 77,591
Page 6
Losses and Allowance for Asset Quality Assessment
PT Bank Tabungan Negara (Persero) Tbk
As of June 30, 2023 and 2022
June 30, 2023 (Unaudited) June 30, 2022 (Audited)
NO DESCRIPTION Required allowance for Required allowance for
Allowance for Impairment Allowance for Impairment
losses on earning assets losses on earning assets
Stage 1 Stage 2 Stage 3 General Special Stage 1 Stage 2 Stage 3 General Special
1. Placements with other banks 23 - 1,712 28,837 1,712 35 - 1,624 26,312 1,624 (2,389,690)
2. Spot and derivative receivables/forward - - - 541 - - - - 578 -
3. Securities 4 - 2,000 103,463 60,839 3 - 2,000 16,288 66,703
4. Securities sold with agreement to repurchase (Repo) - - - - - - - - - -
5. Securities purchased with agreement to resell (Reverse Repo) - - - - - - - - - -
6. Acceptances receivables 346 - - 9,648 - 2,905 - - 3,849 -
7. Loans and financing provided 3,426,007 2,907,364 9,319,582 2,646,760 10,251,307 2,513,891 1,040,823 11,623,633 2,535,380 9,358,831
8. Investments in shares - - - - - - - - - - -
9. Other receivable - - - - - - - - - -
10. Commitments and contingencies 10,810 1,157 - 28,341 147,867 3,865 1,123 - 23,501 53,161 66,468
Page 7
STATEMENTS OF CALCULATION OF CAPITAL ADEQUACY RATIO
PT Bank Tabungan Negara (Persero) Tbk.
As of June 30, 2023 And 2022
(in Millions of Rupiah)
June 30, 2023 June 30, 2022
CAPITAL COMPONENTS
(Unaudited) (Audited)
I CORE CAPITAL (TIER 1) 25,188,525 17,643,409
1 Common Equity Tier 1 (CET 1) 25,188,525 17,643,409
1.1 Paid-in Capital (net of Treasury Stock) 7,017,222 5,295,000
1.2 Disclosed Reserves 21,067,525 15,194,418
1.2.1 Additional Factor 21,899,322 16,894,792
1.2.1.1 Other comprehensive income 3,508,565 3,307,991
1.2.1.1.1 Excess differences arising from translation of financial statement - -
1.2.1.1.2 Potential gain due to increases of fair value of financial asset through other comprehensive income - -
1.2.1.1.3 Surplus of fixed assets revaluation 3,508,565 3,307,991
1.2.1.2 Other disclosed reserves 18,390,757 13,586,801
1.2.1.2.1 Agio 4,418,900 2,054,454
1.2.1.2.2 General reserves 4,621,242 4,621,242
1.2.1.2.3 Previous year profit 7,876,237 5,440,179
1.2.1.2.4 Current year profit 1,474,378 1,470,926
1.2.1.2.5 Funds for paid-in capital - -
1.2.1.2.6 Others - -
1.2.2 Deduction Factor (831,797) (1,700,374)
1.2.2.1 Other comprehensive income (752,796) (1,618,339)
1.2.2.1.1 Negative differences arising from translation of financial statement - -
1.2.2.1.2 Potential losses due to decreases of fair value of financial asset through other comprehensive income (752,796) (1,618,339)
1.2.2.2 Other disclosed reserves (79,001) (82,035)
1.2.2.2.1 Disagio - -
1.2.2.2.2 Previous year loss - -
1.2.2.2.3 Current year loss - -
1.2.2.2.4 Negative difference in allowance for possible losses and allowance for impairment on earning assets - -
1.2.2.2.5 Negative difference in adjusment amounts from fair value of financial assets in trading book - -
1.2.2.2.6 Required allowance for non earning assets (79,001) (82,035)
1.2.2.2.7 Others - -
1.3 Non Controlling Interest - -
1.4 Deduction Factor of CET 1 (2,896,222) (2,846,009)
1.4.1 Deferred tax calculation (2,896,222) (2,846,009)
1.4.2 Goodwill - -
1.4.3 Other intangible assets - -
1.4.4 Investments in share - -
1.4.5 Shortfall of capital on insurance subsidiaries - -
1.4.6 Securitisation exposure - -
1.4.7 Other deduction of CET 1 - -
1.4.7.1 Placement of funds in instrumen AT 1 and/or Tier 2 to other bank - -
1.4.7.2 Cross-ownership in another entity acquired by the transition due to law, grants, or grants will - -
1.4.7.3 Exposure that give rise to credit risk due the settlement (settlement risk) - Non Delivery Versus Payment - -
1.4.7.4 Exposures in subsidiaries that to business activity based on sharia principle - -
2 Additional Tier 1 (AT 1) - -
2.1 Instrument which comply with AT 1 requirements - -
2.2 Agio / Disagio - -
2.3 Deduction Factor of AT 1 - -
2.3.1 Placements of fund in instrument AT 1 and/or Tier 2 to other bank - -
2.3.2 Cross ownership in another entity acquired by the transition due to law, grants or grants will - -
II SUPPLEMENTAL CAPITAL (TIER 2) 4,811,928 6,400,740
1 Capital instrument in the form of stock or other which comply with Tier 2 requirements 3,240,431 5,020,454
2 Agio/Disagio - -
3 General provision on earning assets (max. 1.25% credit risk - weighted assets) 1,571,497 1,380,286
4 Deduction supplemental capital - -
4.1 Sinking Fund - -
4.2 Placement of funds in instrumen Tier 2 to other bank - -
4.3 Cross-ownership in another entity acquired by the transition due to law, grants, or grants will - -
TOTAL CORE AND SUPPLEMENTAL CAPITAL 30,000,453 24,044,149
June 30, 2023 June 30, 2022 June 30, 2023 June 30, 2022
DESCRIPTIONS RATIO
(Unaudited) (Audited) (Unaudited) (Audited)
RISK WEIGHTED ASSETS CAR RATIO
CREDIT RISK -WEIGHTED ASSETS 125,719,733 110,422,875 CET 1 Ratio (%) 17.14% 12.74%
MARKET RISK -WEIGHTED ASSETS 3,338,458 4,116,441 Tier 1 Ratio (%) 17.14% 12.74%
OPERATIONAL RISK - WEIGHTED ASSETS 17,889,426 23,938,858 Tier 2 Ratio (%) 3.28% 4.62%
TOTAL RISK WEIGHTED ASSETS 146,947,617 138,478,174 Capital Adequacy Ratio (%) 20.42% 17.36%
CAR BASED ON RISK PROFILE (%) 9.18% 9.40% CET 1 for Buffer (%) 11.14% 6.74%
CAPITAL ALLOCATION FOR CAR BASED ON RISK PROFILE PERCENTAGE OF BUFFER MANDATORY FILLED BY BANK (%)
From CET1 (%) 6.00% 6.00% Capital Conservation Buffer (%) 2.500% 2.500%
From AT1 (%) 0.00% 0.00% Countercyclical Buffer (%) 0.000% 0.000%
From Tier 2 (%) 3.18% 3.40% Capital Surcharge for Systemic Bank (%) 1.000% 1.000%
Page 8
CALCULATION OF FINANCIAL RATIOS
PT Bank Tabungan Negara (Persero) Tbk
For the Period Ended June 30, 2023 and 2022
(in %)
June 30, 2023 June 30, 2022
RATIOS
(Unaudited) (Audited)
PERFORMANCE RATIOS
1. Capital Adequacy Ratio (CAR) 20.42% 17.36%
2. Non performing earning assets and non earning assets to total earning assets and non earning assets 3.03% 2.81%
3. Non performing earning assets to total earning assets 3.01% 2.79%
4. Allowance for impairment on financial assets to earning assets 4.34% 4.36%
5. Gross NPL 3.66% 3.54%
6. Net NPL 1.75% 1.04%
7. Return on Asset (ROA) 0.93% 1.03%
8. Return on Equity (ROE) 11.95% 16.42%
9. Net Interest Margin (NIM) 3.62% 4.58%
10. Operating Expenses to Operating Income 87.59% 85.77%
11. Cost to Income Ratio (CIR) 47.76% 46.07%
12. Loan to Deposit Ratio (LDR) 98.22% 93.12%
COMPLIANCE
1. a. Percentage violation of Legal Lending Limit
i. Related parties 0.00% 0.00%
ii. Non - Related parties 0.00% 0.00%
b. Percentage of excess of the Legal Lending Limit
i. Related parties 0.00% 0.00%
ii. Non - Related parties 0.00% 0.00%
2. Reserve requirement
a. Primary reserve requirement Rupiah
a.) Conventional
- Daily 0.08% 0.04%
- Average 7.20% 6.00%
b.) Syariah 7.75% 5.90%
b. Reserve requirement Foreign currencies (Daily) 4.57% 4.33%
3. Net Open Position - Overall 2.96% 2.32%
Page 9
STATEMENT OF CASH FLOWS
PT Bank Tabungan Negara (Persero) Tbk.
For The Period Ended June 30, 2023 And 2022
June 30, 2023 June 30, 2022
DESCRIPTION
(Unaudited) (Audited)
CASH FLOWS FROM OPERATING ACTIVITIES
Interest, profit sharing, and margin 13,426,650 11,777,946
Recoveries from loan debts written-off 236,438 182,930
Interest and bonus, fees and commissions paid (7,218,679) (5,070,244)
Corporate income tax paid (625,836) (585,942)
Recoveries from tax assessment letter - 402,428
Other operating expenses - net (2,886,084) (3,473,726)
Other non-operating Income (expense) - net (134,079) (8,091)
Cash receipts before changes in operating assets and liabilities 2,798,410 3,225,301
Changes in operating assets and liabilities:
Decrease (increase) in operating assets:
Fair value through profit or loss
securities (98,584) 85,646
Fair value through profit or loss
government bonds 2,737,594 (10,238,867)
Acceptance Receivable (544,271) 69,228
Derivative Receivable 49,844 -
Loans and sharia financing/receivables (11,365,982) (12,667,800)
Other assets (2,124,369) (977,050)
Increase (decrease) in operating liabilities:
Current liabilities 1,499,492 (596,206)
Deposits from customer
Demand deposits 13,432,555 9,886,912
Wadiah demand deposits 1,186,146 1,396,341
Savings deposits (758,601) (4,627,541)
Savings deposits Wadiah 7,123 (19,519)
Time deposits (22,109,037) 4,792,997
Deposits from other banks 1,367,618 1,316,934
Acceptance liabilities 544,271 (69,228)
Other liabilities (467,577) (243,879)
Temporary syirkah funds (1,050,067) (134,504)
Net Cash provided by (used in) Operating Activities (14,895,435) (8,801,235)
CASH FLOWS FROM INVESTING ACTIVITIES
Proceeds from matured amortized cost securities - 24,570
Purchase of amortized cost securities (659,854) (10,172)
Purchase of amortized cost government bonds 5,404,931 (1,397,864)
Acquisitions of premises and equipment (223,337) (266,284)
Proceeds (Placement) from securities at fair value through other comprehensive income (1,239,615) 366,368
Placement of securities purchased under agreement to resell 1,434,190 1,598,325
Proceeds (Placement) from government bonds at fair value through other comprehensive income (1,238,660) (1,017,047)
Net cash provided by (used in) Investing Activities 3,477,655 (702,104)
CASH FLOWS FROM FINANCING ACTIVITIES
Payment of matured securities issued (2,016,569) (3,168,329)
Proceeds of securities issued - 1,000,000
Payments of dividends (609,015) (237,624)
Proceeds of fund borrowings 1,773,719 5,312,154
Payment from fund borrowings (500,000) (4,955,410)
Proceeds from securities sold under repurchase agreements 3,477,396 592,326
Payment of matured securities sold under repurchase agreements - (592,326)
Payment of lease liabilities (38,500) (44,559)
Shares issuance 1,330,093 -
Net Cash (used in) Provided by Financing Activities 3,417,124 (2,093,768)
Page 10
STATEMENT OF CASH FLOWS
PT Bank Tabungan Negara (Persero) Tbk.
For The Period Ended June 30, 2023 And 2022
June 30, 2023 June 30, 2022
DESCRIPTION
(Unaudited) (Audited)
NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS (8,000,656) (11,597,107)
CASH AND CASH EQUIVALENTS AT BEGINNING OF PERIOD 41,526,686 41,229,907
CASH AND CASH EQUIVALENTS AT END OF PERIOD 33,526,030 29,632,800
The details of cash and cash equivalents at end of year are as follows:
Cash 1,748,281 1,356,382
Current accounts with Bank Indonesia 16,650,986 14,890,813
Current accounts with other banks 2,810,407 2,632,453
Placements with Bank Indonesia and other banks - maturing within
three months or less since the acquisition date 12,316,356 10,753,152
TOTAL OF CASH AND CASH EQUIVALENTS 33,526,030 29,632,800
Page 11
STATEMENTS OF SPOT AND DERIVATIVE TRANSACTIONS
PT Bank Tabungan Negara (Persero) Tbk
As of June 30, 2023
(Unaudited)
(In Millions of Rupiah)
Derivative Receivables
NOTIONAL Type
NO TRANSACTION & Payables
AMOUNT
Trading Hedging Receivables Payables
A. Exchange Rate Related
1. Spot - - - - -
2. Forward - - - - -
3. Option
a. Written - - - - -
b. Purchased - - - - -
4. Future - - - - -
5. Swap - - - - -
6. Others 1,829,085 - 1,829,085 54,095 11,319
B. Interest Rate Related
1. Forward - - - - -
2. Option
a. Written - - - - -
b. Purchased - - - - -
3. Future - - - - -
4. Swap - - - - -
5. Others - - - - -
C. Others - - - - -
TOTAL 1,829,085 - 1,829,085 54,095 11,319
PRIME LENDING RATE
PT Bank Tabungan Negara (Persero) Tbk
As of June 30, 2023
Prime Lending Rate
Business Segment
Keterangan
Corporate Retail Micro Consumer Loan
Loan Loan Loan Mortgage Non Mortgage
Prime Lending Rate 8.05% 8.30% n/a 7.30% 8.80%
Page 12
Notes :
1) The financial information as of June 30, 2023 is extracted from the interim financial statements as of June 30, 2023 and for
the six-months period then ended, prepared by the Bank's Management in accordance with Indonesian Financial Accounting
Standards, which is unaudited. Meanwhile, the financial information as of June 30, 2022 is extracted from the interim
financial statements as of June 30, 2022 and for the six-months period then ended, prepared by the Bank's Management in
accordance with Indonesian Financial Accounting Standards, which have been audited by KAP Purwantono, Sungkoro, &
Surja ("PSS"), a member firm of Ernst & Young Global Limited with Muhammad Kurniawan, as partner in charge,
independent auditor, in accordance with Standards on Auditing established by the Indonesian Institute of Certified Public
Accountants, with an unmodified audit opinion, as stated in their report dated September 15, 2022 which is not included in
this publication. Since the above financial information is taken from the financial statements, it is therefore not a complete
presentation of the financial statements.
2) The above published Financial Statements are presented to comply with:
a) Financial Services Authority Regulation (POJK) Number 37/POJK.03/2019 Dated December 19, 2019 regarding
“Transparency and Published Financial Statements of The Banks”
b) Circular Letter of Financial Services Authority (SEOJK) Number 9/SEOJK.03/2020 Dated June 30, 2020 regarding
“Transparency and Published Financial Statements of The Commercial Banks”.
c) Financial Services Authority Regulation (POJK) Number 27/POJK.03/2022 Dated December 26, 2022 on Second
Amendments of POJK Number 11/POJK.03/2016 regarding “Capital Adequacy Ratio for The Commercial Banks” and
Financial Services Authority Regulation (POJK) Number 34/POJK.03/2016 Dated September 22, 2016 on Amendments
of POJK Number 11/POJK.03/2016 regarding “Capital Adequacy Ratio for The Commercial Banks”.
d) Financial Services Authority Regulation (POJK) Number 14/POJK.04/2022 Dated August 18, 2022 regarding
“Submission of Periodic Financial Statements for Issuers or Public Companies”
e) Capital Market and Financial Institution Supervisory Agency (Bapepam-LK) Regulation Number VIII.G.7, Decision of
Chairman of Bapepam-LK Number KEP-347/BL/2012 Dated June 25, 2012 regarding “Presentation and Disclosure of
Periodic Financial Statements for Issuers or Public Companies”.
f) Circular Letter of Financial Services Authority Number S-2/PB.11/2020 dated January 20, 2020 regarding Changes to
Published Financial Statements
3) Related Parties in the Statements of Assets' Quality and Other Information are presented in accordance with Bank Indonesia
Regulation Number 7/3/PBI/2005 dated January 20, 2005 regarding the Amendment of Financial Services Authority
Regulation Number 38/POJK.03/2019 dated December 19, 2019 regarding the Amendment of Financial Services Authority
Regulation Number 32/POJK.03/2018 regarding The Legal Lending Limit and Provisions of Large Fund for Commercial
Banks.
4) Exchange rate of 1 US Dollar as at June 30, 2023, December 31, 2022 and June 30, 2022 were Rp. 14.992,50, Rp.
15.567,50 dan Rp. 14.897,50 respectively.
5) Basic earnings per share is computed by dividing income for the year available to shareholders of ordinary shares (residual
income) by the weighted average number of ordinary shares outstanding during the current year.
Page 13
Management of The Bank
Board of Commissioner
President Commissioner/ Independent Commissioner : Chandra M. Hamzah
Vice President Commissioner/Independent Commissioner : Iqbal Latanro
Commissioner : Andin Hadiyanto
Commissioner : Herry Trisaputra Zuna
Commissioner : Himawan Arief Sugoto
Commissioner : Mohamad Yusuf Permana
Independent Commissioner : Armand B. Arief
Independent Commissioner : Ahdi Jumhari Luddin
Independent Commissioner : Sentot A. Sentausa
Board of Directors
President Director : Nixon L.P. Napitupulu
Vice President Director : Oni Febriarto Rahardjo
Director of Finance : Nofry Rony Poetra
Director of Assets Management : Elisabeth Novie Riswanti
Director of Human Capital, Compliance, and Legal : Eko Waluyo
Director of Risk Management : Setiyo Wibowo
Director of Distribution and Funding : Jasmin
Director of IT and Digital : Andi Nirwoto
Director of Consumer : Hirwandi Gafar
Director of Institutional Banking : Hakim Putratama*
Sharia Supervisory Board
Chairman : M. Quraish Shihab
Member : Mohammad Bagus Teguh Perwira
Shareholder
Ultimate Shareholder
- Republic of Indonesia : 60.00%
Non Ultimate Shareholder through Capital Market (≥ 5%) : Nil
Non Ultimate Shareholder through non Capital Market (≥ 5%) : Nil
* Appointed as a member of Board of Directors of PT Bank Tabungan Negara (Persero) Tbk based on the Annual General Meeting of
Shareholders dated March 16, 2023 and will be effective upon approval from the Financial Services Authority (OJK) on Fit and Proper
Test and in compliance with the prevailing laws and regulations.
Jakarta, July 21 2023
S.E. & O
PT BANK TABUNGAN NEGARA (PERSERO) Tbk.
Board of Director
Nixon L.P. Napitupulu Nofry Rony Poetra
President Director Director of Finance
Page 14
STATEMENT OF FINANCIAL POSITION
As of June 30, 2023 and December 31, 2022
(In Millions of Rupiah)
June 30, 2023 December 31, 2022
NO Account
Unaudited Audited
ASET
1 Cash 101,171 112,768
2 Placement with Bank Indonesia 6,261,226 5,459,362
3 Placement with Other Bank 199 1,198
4 Investments in Marketable Securities 6,783,324 8,927,958
5 Receivable Financing 29,081,892 26,776,404
6 Revenue Sharing Financing 4,819,290 4,847,735
7 Ijarah Receivable - -
8 Other Productive Assets - -
9 Allowance for Impairment on Finansial Assets (1,748,042) (1,572,011)
10 Premisses and Equipment 24,263 19,482
11 Non Productive Assets - -
12 Other Assets 948,652 762,679
TOTAL ASSETS 46,271,975 45,335,575
LIABILITIES
1 Wadiah Deposits
a. Current Accounts 9,810,955 8,623,601
b. Saving Accounts 1,200,841 1,193,717
2 Temporary Syirkah Fund
a. Current Accounts 532,508 480,787
b. Saving Accounts 4,916,736 4,819,113
c. Time Deposits 18,472,499 19,523,557
3 Liabilities to Bank Indonesia - -
4 Liabilities to Other Bank 22,618 40,028
5 Securities Issued - -
6 Other Liabilities 3,811,717 3,365,774
7 Profit Sharing Deposits - -
8 Business Fund 7,186,273 6,940,992
9 Retained Earning
a. Other Comprehensive Income 31,823 9,636
b. Previous Year 4,794 4,794
c. Current Year 281,211 333,576
TOTAL LIABILITIES 46,271,975 45,335,575
Page 15
STATEMENT OF INCOME AND OTHER COMPREHENSIVE
For the Period Ended June 30, 2023 and 2022
(In Millions of Rupiah)
June 30, 2023 June 30, 2022
NO DESCRIPTION
Unaudited Audited
OPERATING INCOME AND EXPENSES
A. Operating Income and Expenses
1. Revenue from Fund Management as Mudharib
a. Income from Receipable Financing 1,254,869 900,225
b. Income from Revenue Sharing Financing 167,071 171,859
c. Income from Revenue from Ijarah - -
d. Other Main Operating Income 314,269 166,094
2. Third Parties Share on Returns of Temporary Syirkah Funds (677,307) (366,211)
a. Non Profit Sharing (677,307) (366,211)
b. Profit Sharing - -
3. Revenue after Sharing Distribustion 1,058,902 871,967
B. Other Operating Income and Expenses
1 Gain (Loss) from foreign Currencies Transaction - -
2 Income Bank as Mudharib from Revenue Sharing - -
3 Comissions / Provisions / Fees and Administrative 40,769 32,081
4 Other Income - -
5 Bonus on Wadiah Demand Deposite (36,535) (24,901)
6 Impairment for Financial Assets (327,632) (221,938)
7 Losses Related to Financial Assets - -
8 Impairment for Other Financial Assets (9,000) (72,444)
9 Salaries and Employee Benefits (185,209) (156,493)
10 Other Expense (260,084) (237,355)
Other Operating Income (Expenses) (777,691) (681,050)
PROFIT AND LOSS FROM OPERATIONS 281,211 190,917
NON OPERATING INCOME AND EXPENSES
1. Gain (Loss) for Sales of Premises and Equipment - -
2. Other Non Operating Income (Expenses) - (17)
PROFIT AND LOSS FROM NON OPERATIONS - (17)
PROFIT AND LOSS CURRENT PERIOD BEFORE TAX 281,211 190,900
Income Tax Expenses - -
PROFIT AND LOSS CURRENT PERIOD 281,211 190,900
OTHER COMPREHENSIVE INCOME
1 Unreclasiffied to Profit (Loss) - -
2 Reclasiffied to Profit (Loss) 22,187 (40,711)
OTHER COMPREHENSIVE INCOME FOR THE YEAR AFTER
22,187 (40,711)
TAX
TOTAL COMPREHENSIVE PROFIT (LOSS) FOR THE YEAR 303,398 150,189
Page 16
STATEMENT OF COMMITMENTS AND CONTIGENCIES
As of June 30, 2023 and December 31, 2022
(In Millions of Rupiah)
June 30, 2023 December 31, 2022
NO DESCRIPTION
Unaudited Audited
1 COMMITMENT RECEIVABLES
1. Unused Fund Borrowing/Financing Fasilities - -
2. Outstanding Purchase Position on Spot and Derivative/forward - -
3. Others - -
2 COMMITMENT PAYABLES
1. Unused Loan Fasilities Granted to Customer 990,824 774,926
2. Outstanding Sales Position on Spot and Derivative/forward
3. Others
3 CONTIGENT RECEIVABLE - -
1. Guarantees Received - -
2. Income in Progress - -
3. Others 3,017,961 2,823,561
4 CONTIGENT PAYABLES
1. Guarantees Issued 200 400
2. Others - -
Page 17
REVENUE SHARING DISTRIBUTION
Period June 30, 2023
(In Millions of Rupiah)
Net Revenue Sharing
SHARE OF SHAHIBUL MAAL
INCOME THAT MUST
NO. COLLECTIVE TYPE AVERAGE BALANCE BONUS AND REVENUE
BE DIVIDED RASIO INDIKASI EQV.
SHARING
I Liabilities to Other Bank - - - - -
II Mudharabah Current Deposits
a. Bank 65 - 7.00% - 0.62%
b. Non Bank 517,236 3,820 10.45% 399 0.93%
III Mudharabah Saving Deposits
a. Bank 8,592 63 32.32% 20 2.86%
b. Non Bank 4,970,541 36,711 38.39% 14,093 3.40%
IV Mudharabah Time Deposits
a. Bank
1 Month 700 5 29.50% 1 2.61%
3 Month 3,000 22 29.50% 7 2.61%
6 Month 300 2 29.50% 1 2.61%
12 Month - - 0.00% - -
b. Non Bank
1 Month 4,503,945 33,073 28.75% 9,508 2.53%
3 Month 4,446,364 32,766 29.50% 9,666 2.61%
6 Month 1,856,749 13,706 29.50% 4,043 2.61%
12 Month 79,594 588 29.50% 173 2.61%
V Fund Borrowings 2,324,650 52,235 16.50% 8,621 4.45%
TOTAL 18,711,736 172,991 46,532
NO. TYPE OF DISBURSEMENT AVERAGE BALANCE INCOME RECEIVED
I Placement with Other Bank - -
II Murabahah Receivable
a. Bank - -
b. Non Bank 7,398,834 112,694
III Istishna Receivable
a. Bank - -
b. Non Bank 153,729 27,782
IV Multi-Service Receivable
a. Bank - -
b. Non Bank 10,555 33
V Rahn Financing
a. Bank - -
b. Non Bank 19 -
VI Mudharabah Financing
a. Bank - -
b. Non Bank 153,114 1,121
VII Musyarakah Financing
a. Bank - -
b. Non Bank 4,496,294 22,105
VIII Ijarah Receivable
a. Bank - -
b. Non Bank - -
IX Other Financing
a. Bank - -
b. Non Bank 147,574 10
TOTAL 12,360,119 163,745
Page 18
Financial Ratios
For the Period Ended June 30, 2023 and 2022
June 30, 2023 June 30, 2022
NO Rasio
Unaudited Audited
1 Total Assets Sharia Unit to Total Assets Consolidation 11.55% 10.57%
2. Non Performing Productive Assets to Total Productive Assets 2.73% 3.40%
3. Allowance for Impairment on Productive Assets to Total Productive Assets 4.30% 4.10%
4. Gross NPF 3.27% 3.99%
5. Nett NPF 0.72% 0.68%
6. Return On Assets (ROA) 1.22% 1.00%
7. Financing Revenue Sharing to Total Financing 14.22% 17.68%
8 Financing to Deposit Ratio (FDR) 97.04% 95.91%
189,513,351,985,141 149,289,284,555,553
15,802,557,727,083 11,408,728,423,835
8.34 7.64
246,775,832,333,957
18,125,393,799,069
7.344882044
Page 19
Report of the Sources and Distributions of Zakat and Waqf Fund
As June 30, 2023 and 31 December 2022
(In Millions of Rupiah)
June 30, 2023 December 31, 2022
NO URAIAN
Unaudited Audited
A. Sources and Distribution of Zakat Funds
1 Zakat Funds Received From:
a Internal UUS 3 14
b External UUS -
Total Zakat Funds Received 3 14
2 Distribution of Zakat Funds
a. Zakat Receiving Institutions 1 31
b. Zakat Receiving Body
Total Zakat Funds Distributed 1 31
B. Sources and Distributions of Waqf Funds
1 Waqf Fund Received From:
a Internal UUS - -
b External UUS - -
Total Waqf Funds Received - -
2 Distribution of Waqf Funds
a. Badan Wakaf Indonesia - -
b. Other Nadzir - -
c. Other - -
Total Waqf Funds Distributed - -
Page 20
Report of the Sources and Uses of Witness Fund
As June 30, 2023 and December 31, 2022
(In Millions of Rupiah)
June 30, 2023 December 31, 2022
NO URAIAN
Unaudited Audited
1 Beginning Balance of Benevolent Funds 123 2,272
2 Sources of Benevolent Funds
a Infaq and sadaqa - -
b Repayment of productive benevolent funds - -
c Penalty; and 815 121
d Non halal income 1,866 1
e Other
Total benevolent funds received 2,681 122
3 Uses of Benevolent Funds
a Productive benevolent funds - -
b Charity - -
c Other uses for public interest 1,621 2,271
Total uses of benevolent funds 1,621 2,271
4 Surplus (deficit) of Benevolent Funds 1,060 (2,149)
5 Ending Balance of Benevolent Funds 1,183 123
Page 21
Note:
Circular Letter of Financial Services Authority (SEOJK) Number 10/SEOJK.03/2020 regarding
“Transparency and Published Financial Statements of The Sharia Commercial Bank and Sharia Unit.
Jakarta, Juli 21, 2023
PT. Bank Tabungan Negara (Persero) Tbk
Sharia Business Unit
M. Quraish Shihab Hirwandi Gafar
Sharia Supervisory Board Director
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