Back to announcement
FinancialStatement-2025-Tahunan-MCOR.pdf
Financial statement Text extracted MCORSource file signed link, expires in 15 minutes
Extracted text 46
Page 1
Nomor Surat 042/CCBI/DDIR-EXT/II/2026 Nama Emiten PT Bank China Construction Bank Indonesia Tbk Kode Emiten MCOR Perihal Penyampaian Laporan Keuangan Tahunan Perseroan dengan ini menyampaikan laporan keuangan untuk Tahun Bulan yang berakhir pada 31/12/2025 dengan ikhtisar sebagai berikut : Informasi mengenai anak perusahaan Perseroan sebagai berikut : Dokumen ini merupakan dokumen resmi PT Bank China Construction Bank Indonesia Tbk yang tidak memerlukan tanda tangan karena dihasilkan secara elektronik. PT Bank China Construction Bank Indonesia Tbk bertanggung jawab penuh atas informasi tertera di dalam dokumen ini.
Page 2
[1000000] General information
Informasi umum General information
31 December 2025
Informasi umum General information
Nama entitas PT Bank China Construction Bank Entity name
Indonesia Tbk
Penjelasan perubahan nama Explanation of change in
dari akhir periode laporan name from the end of the
sebelumnya preceding reporting period
Kode entitas MCOR Entity code
Nomor identifikasi entitas AA485 Entity identification number
Industri utama entitas Keuangan dan Syariah / Financial and Entity main industry
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 Foreign Corporation Controlling shareholder
pengendali information
Jenis entitas Foreign Company Type of entity
Jenis efek yang dicatatkan Saham / Stock Type of listed securities
Jenis papan perdagangan Utama / Main Type of board on which the
tempat entitas tercatat entity is listed
Apakah merupakan laporan Entitas tunggal / Single entity Whether the financial
keuangan satu entitas atau statements are of an in
suatu kelompok entitas dividual entity or a group of
entities
Periode penyampaian Tahunan / Annual Period of financial
laporan keuangan statements submissions
Tanggal Surat Pernyataan February 20, 2026 Date Of Board Of Directors'
Direksi Statement Letter
Tanggal awal periode January 01, 2025 Current period start date
berjalan
Tanggal akhir periode December 31, 2025 Current period end date
berjalan
Tanggal akhir tahun December 31, 2024 Prior year end date
sebelumnya
Tanggal awal periode January 01, 2024 Prior period start date
sebelumnya
Tanggal akhir periode December 31, 2024 Prior period end date
sebelumnya
Tanggal akhir 2 tahun December 31, 2023 Prior 2 year end date
sebelumnya
Mata uang pelaporan Rupiah / IDR Description of presentation
currency
Kurs konversi pada tanggal Conversion rate at reporting
pelaporan jika mata uang date if presentation currency
penyajian selain rupiah is other than rupiah
Pembulatan yang digunakan Jutaan / In Million Level of rounding used in
dalam penyajian jumlah financial statements
dalam laporan keuangan
Jenis laporan atas laporan Diaudit / Audited Type of report on financial
keuangan statements
Jenis opini auditor Wajar Tanpa Modifikasian / Unqualified Type of auditor's opinion
Page 3
Hal yang diungkapkan dalam Matters disclosed in
paragraf pendapat untuk emphasis-of-matter or
penekanan atas suatu other-matter paragraph, if
masalah atau paragraf any
penjelasan 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 2026-02-20 Date of auditor's opinion or
hasil laporan review result of review report
Auditor tahun berjalan KAP Purwanto Susanti dan Surja Current year auditor
Nama partner audit tahun Christophorus Alvin Kossim Name of current year audit
berjalan signing partner
Lama tahun penugasan 4 Number of years served as
partner yang audit signing partner
menandatangani
Auditor tahun sebelumnya KAP Purwanto Susanti dan Surja Prior year auditor
Nama partner audit tahun Christophorus Alvin Kossim Name of prior year audit
sebelumnya signing partner
Kepatuhan terhadap Ya / Yes Whether in compliance with
pemenuhan peraturan OJK OJK rules No.
Nomor: 75/POJK.04/2017 75/POJK.04/2017 concerning
tentang Tanggung Jawab responsibilities of board of
Direksi Atas Laporan directors on financial
Keuangan statements
Kepatuhan terhadap Ya / Yes Compliance to the
pemenuhan independensi independency of Accountant
akuntan yang memberikan that provide services in
jasa audit di pasar modal Capital Market as regulated
sesuai dengan POJK Nomor in OJK rules No.
13/POJK.03/2017 tentang 13/POJK.03/2017 concerning
Penggunaan Jasa Akuntan The Use of Public
Publik dalam Kegiatan Jasa Accountant and Auditing
Keuangan Firm in Financial Services
Activities.
Page 4
[4220000] Statement of financial position presented using order of liquidity -
Financial and Sharia Industry
Laporan posisi keuangan Statement of financial position
31 December 2025 31 December 2024
Laporan posisi keuangan Statement of financial position
Aset Assets
Kas 147,547 169,338 Cash
Dana yang dibatasi Restricted funds
penggunaannya
Giro pada Bank Indonesia 1,222,936 1,490,587 Current accounts with Bank
Indonesia
Giro pada bank lain Current accounts with
other banks
Giro pada bank lain 258,935 118,338 Current accounts with
pihak ketiga other banks third parties
Giro pada bank lain 71,750 47,288 Current accounts with
pihak berelasi other banks related
parties
Cadangan kerugian ( 236 ) ( 169 ) Allowance for impairment
penurunan nilai pada losses for current
giro pada bank lain accounts with other bank
Penempatan pada Bank Placements with Bank
Indonesia dan bank lain Indonesia and other banks
Penempatan pada 667,032 338,007 Placements with Bank
Bank Indonesia dan Indonesia and other
bank lain pihak ketiga banks third parties
Penempatan pada Placements with Bank
Bank Indonesia dan Indonesia and other
bank lain pihak banks related parties
berelasi
Cadangan kerugian (2) ( 1 ) Allowance for impairment
penurunan nilai pada losses for placements
penempatan pada with other banks
bank lain
Piutang asuransi Insurance receivables
Piutang asuransi pihak Insurance receivables
ketiga third parties
Piutang asuransi pihak Insurance receivables
berelasi related parties
Cadangan kerugian Allowance for impairment
penurunan nilai pada losses for insurance
piutang asuransi receivables
Biaya akuisisi tangguhan Deferred acquisition costs
Deposito pada lembaga Deposits to clearing and
kliring dan penjaminan settlement guarantee
institution
Efek-efek yang Marketable securities
diperdagangkan
Efek-efek yang 8,070,783 6,815,620 Marketable securities
diperdagangkan pihak third parties
ketiga
Efek-efek yang Marketable securities
diperdagangkan pihak related parties
berelasi
Cadangan kerugian (2) ( 104 ) Allowance for impairment
penurunan nilai pada losses for marketable
Page 5
efek-efek yang securities
diperdagangkan
Investasi pemegang polis Investments of policyholder
pada kontrak unit-linked in unit-linked contracts
Efek yang dibeli dengan 0 Securities purchased under
janji dijual kembali agreement to resale
Wesel ekspor dan Bills and other receivables
tagihan lainnya
Wesel ekspor dan Bills and other
tagihan lainnya pihak receivables third parties
ketiga
Wesel ekspor dan Bills and other
tagihan lainnya pihak receivables related
berelasi parties
Cadangan kerugian Allowance for impairment
penurunan nilai pada losses for bills and other
wesel ekspor dan receivables
tagihan lainnya
Tagihan akseptasi Acceptance receivables
Tagihan akseptasi 3,172 12,262 Acceptance receivables
pihak ketiga third parties
Tagihan akseptasi Acceptance receivables
pihak berelasi related parties
Cadangan kerugian (3) ( 2 ) Allowance for impairment
penurunan nilai pada losses for acceptance
tagihan akseptasi receivables
Tagihan derivatif Derivative receivables
Tagihan derivatif pihak 2,427 4,316 Derivative receivables
ketiga third parties
Tagihan derivatif pihak Derivative receivables
berelasi related parties
Pinjaman yang Loans
diberikan
Pinjaman yang 26,402,976 23,458,170 Loans third parties
diberikan pihak ketiga
Pinjaman yang 4,211 5,631 Loans related parties
diberikan pihak
berelasi
Cadangan kerugian ( 268,605 ) ( 450,922 ) Allowance for impairment
penurunan nilai pada losses for loans
pinjaman yang
diberikan
Piutang dari lembaga Receivables from clearing
kliring dan penjaminan and settlement guarantee
institution
Piutang nasabah Receivables from
customers
Piutang nasabah Receivables from
pihak ketiga customers third parties
Piutang nasabah Receivables from
pihak berelasi customers related parties
Cadangan kerugian Allowance for impairment
penurunan nilai pada losses for receivables
piutang nasabah from customers
Piutang murabahah Murabahah receivables
Piutang murabahah Murabahah receivables
pihak ketiga third parties
Piutang murabahah Murabahah receivables
pihak berelasi related parties
Cadangan kerugian Allowance for impairment
Page 6
penurunan nilai pada losses for murabahah piutang murabahah receivables Piutang istishna Istishna receivables Piutang istishna pihak Istishna receivables third ketiga parties Piutang istishna pihak Istishna receivables berelasi related parties Cadangan kerugian Allowance for impairment penurunan nilai pada losses for istishna piutang istishna receivables Piutang ijarah Ijarah receivables Piutang ijarah pihak Ijarah receivables third ketiga parties Piutang ijarah pihak Ijarah receivables related berelasi parties Cadangan kerugian Allowance for impairment penurunan nilai pada losses for ijarah piutang ijarah receivables Piutang pembiayaan Consumer financing konsumen receivables Piutang pembiayaan Consumer financing konsumen pihak receivables third parties ketiga Piutang pembiayaan Consumer financing konsumen pihak receivables related berelasi parties Cadangan kerugian Allowance for impairment penurunan nilai pada losses for consumer piutang pembiayaan financing receivables konsumen Pinjaman qardh Qardh funds Pinjaman qardh pihak Qardh funds third parties ketiga Pinjaman qardh pihak Qardh funds related berelasi parties Cadangan kerugian Allowance for impairment penurunan nilai pada losses for qardh funds pinjaman qardh Pembiayaan Mudharabah financing mudharabah Pembiayaan Mudharabah financing mudharabah pihak third parties ketiga Pembiayaan Mudharabah financing mudharabah pihak related parties berelasi Cadangan kerugian Allowance for impairment penurunan nilai pada losses for mudharabah pembiayaan financing mudharabah Pembiayaan Musyarakah financing musyarakah Pembiayaan Musyarakah financing musyarakah pihak third parties ketiga Pembiayaan Musyarakah financing musyarakah pihak related parties berelasi Cadangan kerugian Allowance for impairment penurunan nilai pada losses for musyarakah
Page 7
pembiayaan financing
musyarakah
Investasi sewa Lease investments
Investasi sewa pihak Lease investments third
ketiga parties
Investasi sewa pihak Lease investments
berelasi related parties
Investasi sewa nilai Lease investments
residu yang terjamin guaranteed residual
value
Investasi sewa Lease investments
pendapatan deferred financing
pembiayaan income
tangguhan
Investasi sewa Lease investments
simpanan jaminan guarantee deposits
Cadangan kerugian Allowance for impairment
penurunan nilai pada losses for lease
investasi sewa investments
Tagihan anjak piutang Factoring receivables
Tagihan anjak piutang Factoring receivables
pihak ketiga third parties
Tagihan anjak piutang Factoring receivables
pihak berelasi related parties
Tagihan anjak piutang Factoring receivables on
pada pendapatan deferred factoring
anjak piutang income
tangguhan
Cadangan kerugian Allowance for impairment
penurunan nilai pada losses for factoring
tagihan anjak piutang receivables
Piutang lainnya Other receivables
Piutang lainnya pihak Other receivables third
ketiga parties
Piutang lainnya pihak Other receivables related
berelasi parties
Cadangan kerugian Allowance for impairment
penurunan nilai pada losses for other
piutang lainnya receivables
Aset keuangan lainnya Other financial assets
Obligasi pemerintah Government bonds
Aset tidak lancar atau Non-current assets or
kelompok lepasan disposal groups classified as
diklasifikasikan sebagai held-for-sale
dimiliki untuk dijual
Aset tidak lancar atau Non-current assets or
kelompok lepasan disposal groups classified as
diklasifikasikan sebagai held-for-distribution to
dimiliki untuk owners
didistribusikan kepada
pemilik
Uang muka Advances
Biaya dibayar dimuka 11,672 4,385 Prepaid expenses
Jaminan Guarantees
Pajak dibayar dimuka Prepaid taxes
Klaim atas pengembalian Claims for tax refund
pajak
Aset pajak tangguhan Deferred tax assets
Investasi yang dicatat Investments accounted for
dengan menggunakan using equity method
Page 8
metode ekuitas
Investasi pada ventura Investments in joint
bersama dan entitas ventures and associates
asosiasi
Investasi pada entitas Investments in joint
ventura bersama ventures
Investasi pada entitas Investments in
asosiasi associates
Aset reasuransi Reinsurance assets
Aset imbalan pasca kerja Post-employment benefit
assets
Goodwill 190,075 190,075 Goodwill
Aset takberwujud selain Intangible assets other than
goodwill goodwill
Properti investasi Investment properties
Aset ijarah Ijarah assets
Aset tetap 748,082 781,079 Property, plant, and
equipment
Aset hak guna Right of use assets
Aset pengampunan pajak 130,773 132,787 Tax amnesty assets
Agunan yang diambil alih 78,491 80,084 Foreclosed assets
Aset lainnya 341,695 348,692 Other assets
Jumlah aset 38,083,709 33,545,461 Total assets
Liabilitas, dana syirkah Liabilities, temporary syirkah
temporer dan ekuitas funds and equity
Liabilitas Liabilities
Liabilitas segera 23,453 14,928 Obligations due
immediately
Bagi hasil yang belum Undistributed profit
dibagikan sharing
Dana simpanan Sharia deposits
syariah
Simpanan nasabah Customers deposits
Giro Current accounts
Giro pihak 5,012,069 4,007,337 Current accounts
ketiga third parties
Giro pihak 58,561 2,534 Current accounts
berelasi related parties
Giro wadiah Wadiah demand
deposits
Giro wadiah Wadiah demand
pihak ketiga deposits third
parties
Giro wadiah Wadiah demand
pihak berelasi deposits related
parties
Tabungan Savings
Tabungan 1,864,619 1,157,622 Savings third
pihak ketiga parties
Tabungan 4,134 6,627 Savings related
pihak berelasi parties
Tabungan wadiah Wadiah savings
Tabungan Wadiah savings
wadiah pihak third parties
ketiga
Tabungan Wadiah savings
wadiah pihak related parties
berelasi
Page 9
Deposito Time deposits
berjangka
Deposito 21,718,091 18,174,185 Time deposits
berjangka pihak third parties
ketiga
Deposito 8,538 9,168 Time deposits
berjangka pihak related parties
berelasi
Deposito wakalah Wakalah deposits
Deposito Wakalah deposits
wakalah pihak third parties
ketiga
Deposito Wakalah deposits
wakalah pihak related parties
berelasi
Simpanan dari bank Other banks deposits
lain
Simpanan dari 805 171 Other banks deposits
bank lain pihak related parties
berelasi
Simpanan dari 1,692,837 844,503 Other banks deposits
bank lain pihak third parties
ketiga
Efek yang dijual 169,393 1,552,058 Securities sold with
dengan janji untuk repurchase agreement
dibeli kembali
Liabilitas derivatif Derivative payables
Liabilitas derivatif 1,321 20,350 Derivative payables
pihak ketiga third parties
Liabilitas derivatif Derivative payables
pihak berelasi related parties
Utang asuransi Insurance payables
Utang koasuransi Coinsurance liabilities
Liabilitas kepada Liabilities to policyholder
pemegang polis in unit-linked contracts
unit-linked
Utang bunga Interest payables
Liabilitas akseptasi Acceptance liabilities
Liabilitas akseptasi Acceptance liabilities
pihak berelasi related parties
Liabilitas akseptasi 3,172 12,262 Acceptance liabilities
pihak ketiga third parties
Utang usaha Accounts payable
Uang muka dan Advances and
angsuran installments
Utang dividen Dividends payable
Utang dealer Dealer payables
Pinjaman yang Borrowings
diterima
Pinjaman yang 16,695 482,850 Borrowings third
diterima pihak parties
ketiga
Pinjaman yang Borrowings related
diterima pihak parties
berelasi
Pinjaman yang Borrowings payables
diterima utang to clearing and
pada lembaga settlement guarantee
kliring dan institution
penjaminan
Page 10
Efek yang diterbitkan Securities issued
Utang obligasi Bonds payable
Sukuk Sukuk
Obligasi Subordinated bonds
subordinasi
Surat utang jangka Medium term notes
menengah
Efek yang Others securities
diterbitkan lainnya issued
Liabilitas kontrak Insurance contract
asuransi liabilities
Utang perusahaan Securities company
efek payables
Provisi 55,035 65,456 Provisions
Liabilitas atas kontrak Contract liabilities
Pendapatan Deferred income
ditangguhkan
Liabilitas sewa Finance lease liabilities
pembiayaan
Estimasi kerugian Estimated losses on
komitmen dan commitments and
kontinjensi contingencies
Beban akrual Accrued expenses
Utang pajak 33,655 43,160 Taxes payable
Liabilitas pajak Deferred tax liabilities
tangguhan
Liabilitas Tax amnesty liabilities
pengampunan pajak
Liabilitas lainnya 100,484 144,769 Other liabilities
Kewajiban imbalan 175,329 165,685 Post-employment benefit
pasca kerja obligations
Pinjaman Subordinated loans
subordinasi
Pinjaman Subordinated loans
subordinasi pihak third parties
ketiga
Pinjaman 0 Subordinated loans
subordinasi pihak related parties
berelasi
Jumlah liabilitas 30,938,191 26,703,665 Total liabilities
Dana syirkah temporer Temporary syirkah funds
Bukan bank Non-banks
Giro mudharabah Mudharabah current
account
Giro Mudharabah
mudharabah current account
pihak ketiga third parties
Giro berjangka Mudharabah
mudharabah current account
pihak berelasi related parties
Tabungan Mudharabah saving
mudharabah deposits
Tabungan Mudharabah
mudharabah saving deposits
pihak ketiga third parties
Tabungan Mudharabah
mudharabah saving deposits
pihak berelasi related parties
Deposito Mudharabah time
Page 11
berjangka deposits
mudharabah
Deposito Mudharabah time
berjangka deposits third
mudharabah parties
pihak ketiga
Deposito Mudharabah time
berjangka deposits related
mudharabah parties
pihak berelasi
Bank Bank
Giro mudharabah Mudharabah current
account
Tabungan Mudharabah saving
mudharabah deposits (ummat)
(ummat)
Deposito berjangka Mudharabah time
mudharabah deposits
Efek yang diterbitkan Bank securities issued
bank
Investasi Interbank
mudharabah antar mudharabah
bank investments
Sukuk mudharabah Mudharabah sukuk
Sukuk mudharabah Subordinated
subordinasi mudharabah sukuk
Jumlah dana syirkah Total temporary
temporer syirkah funds
Jumlah akumulasi dana Total accumulated tabarru's
tabarru funds
Ekuitas Equity
Ekuitas yang Equity attributable to
diatribusikan kepada equity owners of
pemilik entitas induk parent entity
Saham biasa 3,791,973 3,791,973 Common stocks
Saham preferen Preferred stocks
Tambahan modal 1,267,378 1,267,378 Additional paid-in
disetor capital
Saham treasuri Treasury stocks
Uang muka Advances in capital
setoran modal stock
Opsi saham Stock options
Penjabaran Translation
laporan keuangan adjustment
Cadangan Revaluation reserves
revaluasi
Cadangan selisih Reserve of exchange
kurs penjabaran differences on
translation
Cadangan Reserve for changes
perubahan nilai in fair value of fair
wajar aset value through other
keuangan nilai comprehensive
wajar melalui income financial
pendapatan assets
komprehensif
lainnya
Cadangan Reserve of gains
keuntungan (losses) from
(kerugian) investasi investments in equity
Page 12
pada instrumen instruments
ekuitas
Cadangan Reserve of
pembayaran share-based
berbasis saham payments
Cadangan lindung Reserve of cash flow
nilai arus kas hedges
Cadangan Reserve of
pengukuran remeasurements of
kembali program defined benefit plans
imbalan pasti
Cadangan lainnya Other reserves
Selisih Transaksi Difference Due to
Perubahan Ekuitas Changes of Equity in
Entitas Subsidiary/Associates
Anak/Asosiasi
Komponen ekuitas 363,130 361,356 Other components of
lainnya equity
Saldo laba Retained earnings
(akumulasi (deficit)
kerugian)
Saldo laba Appropriated
yang telah retained
ditentukan earnings
penggunaanya
Cadangan General and
umum dan legal reserves
wajib
Cadangan Specific
khusus reserves
Saldo laba 1,723,037 1,421,089 Unappropriated
yang belum retained earnings
ditentukan
penggunaannya
Jumlah ekuitas 7,145,518 6,841,796 Total equity
yang attributable to
diatribusikan equity owners of
kepada pemilik parent entity
entitas induk
Proforma ekuitas Proforma equity
Kepentingan Non-controlling interests
non-pengendali
Jumlah ekuitas 7,145,518 6,841,796 Total equity
Jumlah liabilitas, dana 38,083,709 33,545,461 Total liabilities, temporary
syirkah temporer dan syirkah funds and equity
ekuitas
Page 13
[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
31 December 2025 31 December 2024
Laporan laba rugi dan Statement of profit or loss
penghasilan komprehensif and other comprehensive
lain income
Pendapatan dan beban Operating income and
operasional expenses
Pendapatan bunga 2,180,379 2,141,940 Interest income
Beban bunga ( 1,228,609 ) ( 1,146,130 ) Interest expenses
Pendapatan pengelolaan Revenue from fund
dana oleh bank sebagai management as
mudharib mudharib
Hak pihak ketiga atas Third parties share on
bagi hasil dana syirkah return of temporary
temporer syirkah funds
Pendapatan asuransi Insurance income
Pendapatan dari Revenue from
premi asuransi insurance premiums
Premi reasuransi Reinsurance
premiums
Premi retrosesi Retrocession
premiums
Penurunan (kenaikan) Decrease (increase) in
premi yang belum unearned premiums
merupakan
pendapatan
Penurunan (kenaikan) Decrease (increase) in
pendapatan premi premium income
disesikan kepada ceded to reinsurancer
reasuradur
Pendapatan komisi Insurance commission
asuransi income
Pendapatan bersih Net investment
investasi income
Penerimaan ujrah Ujrah received
Pendapatan asuransi Other insurance
lainnya income
Beban asuransi Insurance expenses
Beban klaim Claim expenses
Klaim reasuransi Reinsurance claims
Klaim retrosesi Retrocession claims
Kenaikan (penurunan) Increase (decrease) in
estimasi liabilitas estimated claims
klaim liability
Kenaikan (penurunan) Increase (decrease) in
liabilitas manfaat polis liability for future
masa depan policy benefit
Kenaikan (penurunan) Increase (decrease) in
provisi yang timbul provision for losses
dari tes kecukupan arising from liability
liabilitas adequacy test
Kenaikan (penurunan) Increase (decrease) in
liabilitas asuransi yang insurance liabilities
Page 14
disesikan kepada ceded to reinsurers
reasuradur
Kenaikan (penurunan) Increase (decrease) in
liabilitas pemegang liabilities to
polis pada kontrak policyholder in
unit-linked unit-linked contracts
Beban komisi asuransi Insurance commission
expenses
Ujrah dibayar Ujrah paid
Beban akuisisi dari Acquisition costs of
kontrak asuransi insurance contracts
Beban asuransi Other insurance
lainnya expenses
Pendapatan dari Financing income
pembiayaan
Pendapatan dari Revenue from
pembiayaan consumer financing
konsumen
Pendapatan dari sewa Revenue from finance
pembiayaan lease
Pendapatan dari sewa Revenue from
operasi operating lease
Pendapatan dari anjak Revenue from
piutang factoring
Pendapatan sekuritas Securities income
Pendapatan kegiatan Revenue from
penjamin emisi dan underwriting activities
penjualan efek and selling fees
Pendapatan Revenue from
pembiayaan transaksi financing transactions
nasabah
Pendapatan jasa biro Revenue from
administrasi efek securities
administration service
Pendapatan kegiatan Revenue from
jasa manajer investasi investment
management services
Pendapatan kegiatan Revenue from
jasa penasehat financial advisory
keuangan services
Keuntungan 2,328 3,351 Realised gains
(kerugian) dari (losses) on trading of
transaksi marketable securities
perdagangan efek
yang telah direalisasi
Keuntungan Gains (losses) on
(kerugian) perubahan changes in fair value
nilai wajar efek of marketable
securities
Pendapatan operasional Other operating income
lainnya
Pendapatan investasi Investments income
Pendapatan provisi 111,694 63,247 Provisions and
dan komisi dari commissions income
transaksi lainnya from transactions
selain kredit other than loan
Pendapatan transaksi Revenue from trading
perdagangan transactions
Pendapatan dividen Dividends income
Keuntungan Realised gains
Page 15
(kerugian) yang telah (losses) from
direalisasi atas derivative instruments
instrumen derivatif
Penerimaan kembali Revenue from
aset yang telah recovery of written-off
dihapusbukukan assets
Keuntungan ( 39,282 ) 24,078 Gains (losses) on
(kerugian) selisih kurs changes in foreign
mata uang asing exchange rates
Keuntungan Gains (losses) on
(kerugian) pelepasan disposal of property
aset tetap and equipment
Keuntungan Gains (losses) on
(kerugian) pelepasan disposal of foreclosed
agunan yang diambil assets
alih
Pendapatan Other operating
operasional lainnya income
Pemulihan penyisihan Recovery of impairment
kerugian penurunan loss
nilai
Pemulihan penyisihan Recovery of
kerugian penurunan impairment loss of
nilai aset keuangan financial assets
Pemulihan penyisihan Recovery of
kerugian penurunan impairment loss of
nilai aset keuangan - financial assets
sewa pembiayaan finance lease
Pemulihan penyisihan Recovery of
kerugian penurunan impairment loss of
nilai aset keuangan - financial assets
piutang pembiayaan consumer financing
konsumen receivables
Pemulihan penyisihan Recovery of
kerugian penurunan impairment loss of
nilai aset non-financial assets
non-keuangan
Pemulihan penyisihan Recovery of
kerugian penurunan impairment loss of
nilai aset non-financial assets
non-keuangan - repossessed
agunan yang diambil collaterals
alih
Pemulihan penyisihan Recovery of estimated
estimasi kerugian atas loss of commitments
komitmen dan and contingency
kontinjensi
Pembentukan kerugian Allowances for
penurunan nilai impairment losses
Pembentukan ( 101,107 ) ( 158,324 ) Allowances for
penyisihan kerugian impairment losses on
penurunan nilai aset earnings assets
produktif
Pembentukan 1,404 Allowances for
penyisihan kerugian impairment losses on
penurunan nilai aset non-earnings assets
non-produktif
Pembalikan (beban) Reversal (expense) of
estimasi kerugian estimated losses on
komitmen dan kontijensi commitments and
contingencies
Beban operasional Other operating
Page 16
lainnya expenses
Beban umum dan ( 234,199 ) ( 243,880 ) General and
administrasi administrative
expenses
Beban penjualan Selling expenses
Beban sewa, Rent, maintenance
pemeliharaan, dan and improvement
perbaikan expenses
Beban provisi dan Other fees and
komisi commissions
expenses
Beban operasional ( 304,849 ) ( 310,144 ) Other operating
lainnya expenses
Jumlah laba operasional 386,355 375,542 Total profit from operation
Pendapatan dan beban Non-operating income and
bukan operasional expense
Pendapatan bukan 7,018 7,927 Non-operating income
operasional
Beban bukan operasional ( 214 ) ( 1,180 ) Non-operating expenses
Bagian atas laba (rugi) Share of profit (loss) of
entitas asosiasi yang associates accounted for
dicatat dengan using equity method
menggunakan metode
ekuitas
Bagian atas laba (rugi) Share of profit (loss) of
entitas ventura bersama joint ventures accounted
yang dicatat for using equity method
menggunakan metode
ekuitas
Jumlah laba (rugi) sebelum 393,159 382,289 Total profit (loss) before
pajak penghasilan tax
Pendapatan (beban) pajak ( 91,211 ) ( 86,887 ) Tax benefit (expenses)
Jumlah laba (rugi) dari 301,948 295,402 Total profit (loss) from
operasi yang dilanjutkan continuing operations
Laba (rugi) dari operasi yang Profit (loss) from
dihentikan discontinued operations
Jumlah laba (rugi) 301,948 295,402 Total profit (loss)
Pendapatan komprehensif Other comprehensive
lainnya, setelah pajak income, after tax
Pendapatan Other comprehensive
komprehensif lainnya income that will not be
yang tidak akan reclassified to profit or
direklasifikasi ke laba loss, after tax
rugi, setelah pajak
Pendapatan 0 Other comprehensive
komprehensif lainnya income for gains
atas keuntungan (losses) on revaluation
(kerugian) hasil of property and
revaluasi aset tetap, equipment, after tax
setelah pajak
Pendapatan 1,222 6,569 Other comprehensive
komprehensif lainnya income for
atas pengukuran remeasurement of
kembali kewajiban defined benefit
manfaat pasti, setelah obligation, after tax
pajak
Penyesuaian lainnya Other adjustments to
atas pendapatan other comprehensive
komprehensif lainnya income that will not be
reclassified to profit or
loss, after tax
Page 17
yang tidak akan
direklasifikasi ke laba
rugi, setelah pajak
Jumlah pendapatan 1,222 6,569 Total other
komprehensif comprehensive
lainnya yang tidak income that will not
akan direklasifikasi be reclassified to
ke laba rugi, setelah profit or loss, after
pajak tax
Pendapatan Other comprehensive
komprehensif lainnya income that may be
yang akan reclassified to profit or
direklasifikasi ke laba loss, after tax
rugi, setelah pajak
Keuntungan Gains (losses) on
(kerugian) selisih kurs exchange differences
penjabaran, setelah on translation, after
pajak tax
Penyesuaian Reclassification
reklasifikasi selisih adjustments on
kurs penjabaran, exchange differences
setelah pajak on translation, after
tax
Keuntungan 552 ( 732 ) Unrealised gains
(kerugian) yang belum (losses) on changes in
direalisasi atas fair value through
perubahan nilai wajar other comprehensive
aset keuangan melalui income financial
penghasilan assets, after tax
komprehensif lain,
setelah pajak
Penyesuaian Reclassification
reklasifikasi atas aset adjustments on fair
keuangan nilai wajar value through other
melalui pendapatan comprehensive
komprehensif lainnya, income financial
setelah pajak assets, after tax
Keuntungan Gains (losses) on
(kerugian) lindung nilai cash flow hedges,
arus kas, setelah after tax
pajak
Penyesuaian Reclassification
reklasifikasi atas adjustments on cash
lindung nilai arus kas, flow hedges, after tax
setelah pajak
Nilai tercatat dari aset Carrying amount of
(liabilitas) non-financial asset
non-keuangan yang (liability) whose
perolehan atau acquisition or
keterjadiannya incurrence was
merupakan suatu hedged on highly
prakiraan transaksi probable forecast
yang kemungkinan transaction, adjusted
besar terjadi yang from equity, after tax
dilindung nilai, setelah
pajak
Keuntungan Gains (losses) on
(kerugian) lindung nilai hedges of net
investasi bersih investments in foreign
kegiatan usaha luar operations, after tax
negeri, setelah pajak
Penyesuaian Reclassification
reklasifikasi atas adjustments on
Page 18
lindung nilai investasi hedges of net
bersih kegiatan usaha investments in foreign
luar negeri, setelah operations, after tax
pajak
Bagian pendapatan Share of other
komprehensif lainnya comprehensive
dari entitas asosiasi income of associates
yang dicatat dengan accounted for using
menggunakan metode equity method, after
ekuitas, setelah pajak tax
Bagian pendapatan Share of other
komprehensif lainnya comprehensive
dari entitas ventura income of joint
bersama yang dicatat ventures accounted
dengan menggunakan for using equity
metode ekuitas, method, after tax
setelah pajak
Penyesuaian lainnya Other adjustments to
atas pendapatan other comprehensive
komprehensif lainnya income that may be
yang akan reclassified to profit or
direklasifikasi ke laba loss, after tax
rugi, setelah pajak
Jumlah pendapatan 552 ( 732 ) Total other
komprehensif comprehensive
lainnya yang akan income that may be
direklasifikasi ke reclassified to profit
laba rugi, setelah or loss, after tax
pajak
Jumlah pendapatan 1,774 5,837 Total other
komprehensif lainnya, comprehensive income,
setelah pajak after tax
Jumlah laba rugi 303,722 301,239 Total comprehensive
komprehensif income
Laba (rugi) yang dapat Profit (loss) attributable to
diatribusikan
Laba (rugi) yang dapat 301,948 295,402 Profit (loss) attributable to
diatribusikan ke entitas parent entity
induk
Laba (rugi) yang dapat Profit (loss) attributable to
diatribusikan ke non-controlling interests
kepentingan
non-pengendali
Laba rugi komprehensif Comprehensive income
yang dapat diatribusikan attributable to
Laba rugi komprehensif 303,722 301,239 Comprehensive income
yang dapat diatribusikan attributable to parent
ke entitas induk entity
Laba rugi komprehensif Comprehensive income
yang dapat diatribusikan attributable to
ke kepentingan non-controlling interests
non-pengendali
Laba (rugi) per saham Earnings (loss) per share
Laba per saham dasar Basic earnings per
diatribusikan kepada share attributable to
pemilik entitas induk equity owners of the
parent entity
Laba (rugi) per saham 7.96 7.79 Basic earnings (loss)
dasar dari operasi per share from
yang dilanjutkan continuing operations
Laba (rugi) per saham Basic earnings (loss)
dasar dari operasi per share from
Page 19
yang dihentikan discontinued
operations
Laba (rugi) per saham Diluted earnings (loss)
dilusian per share
Laba (rugi) per saham Diluted earnings (loss)
dilusian dari operasi per share from
yang dilanjutkan continuing operations
Laba (rugi) per saham Diluted earnings (loss)
dilusian dari operasi per share from
yang dihentikan discontinued
operations
Page 20
[4410000] Statement of changes in equity - Financial and Sharia Industry
Laporan perubahan ekuitas Statement of changes in equity
Additional Reserve of exchange Reserve for changes in fair value of fair value Reserve of Reserve of Reserve of Difference Due to Changes of Difference in value of equity Other transactions with Other components
Common Preferred Treasury Advances in Stock Translation Revaluation Reserve of gains (losses) from Other Other equity Appropriated retained Appropriated retained Unappropriated retained Equity attributable to Proforma Non-controlling
paid-in differences on through other comprehensive income financial share-based cash flow remeasurements of defined Equity in transactions with non-controlling non-controlling of equity Equity
stocks stocks stocks capital stock options adjustment reserves investments in equity instruments reserves interests earnings-general and legal reserves earnings-specific reserves earnings parent entity equity interests
capital translation assets payments hedges benefit plans Subsidiary/Associates interests interests transactions
Tambahan Uang muka Penjabaran Cadangan perubahan nilai wajar aset keuangan Cadangan Cadangan Cadangan pengukuran Kepentingan Komponen Saldo laba yang telah ditentukan Saldo laba yang telah ditentukan Saldo laba yang belum Ekuitas yang dapat
Saham Saham Saham Opsi Cadangan Cadangan selisih kurs Cadangan keuntungan (kerugian) Cadangan Selisih Transaksi Perubahan Selisih transaksi ekuitas dengan Transaksi dengan pihak Proforma Kepentingan
modal setoran laporan nilai wajar melalui pendapatan komprehensif pembayaran lindung nilai kembali program imbalan ekuitas transaksi ekuitas penggunaannya-cadangan umum dan penggunaannya-cadangan ditentukan diatribusikan kepada Ekuitas
biasa preferen treasuri saham revaluasi penjabaran investasi pada instrumen ekuitas lainnya Ekuitas Entitas Anak/Asosiasi pihak non-pengendali non-pengendali lainnya ekuitas non-pengendali
disetor modal keuangan lainnya berbasis saham arus kas pasti lainnya lainnya wajib khusus penggunaannya entitas induk
Laporan perubahan ekuitas [baris komponen] Statement of changes in equity [line items]
Posisi ekuitas Equity position
Saldo awal periode sebelum penyajian kembali 3,791,973 1,267,378 361,356 1,421,089 6,841,796 6,841,796 Balance before restatement at beginning of
period
Penyesuaian Adjustments
Penerapan awal standar akuntansi baru dan revisi Initial adoption of new and revised accounting
standards
Perubahan kebijakan akuntansi secara sukarela Voluntary changes in accounting policies
Koreksi kesalahan periode lalu Correction of prior period errors
Penyesuaian lainnya Other adjustments
Posisi ekuitas, awal periode 3,791,973 1,267,378 361,356 1,421,089 6,841,796 6,841,796 Equity position, beginning of the period
Laba (rugi) 301,948 301,948 301,948 Profit (loss)
Pendapatan komprehensif lainnya 1,774 1,774 1,774 Other comprehensive income
Penjabaran laporan keuangan Translation adjustment
Pembentukan cadangan umum Allocation for general reserves
Pembentukan cadangan khusus Allocation for specific reserves
Distribusi dividen kas Distributions of cash dividends
Distribusi dividen saham Distributions of stock dividends
Penerbitan saham biasa Issuance of common stocks
Penerbitan saham preferen Issuance of preferred stocks
Biaya emisi efek Stock issuance costs
Penerbitan instrumen yang dapat dikonversi Issuance of convertible instruments
Kenaikan (penurunan) ekuitas melalui transaksi saham tresuri Increase (decrease) in equity through treasury
stock transactions
Kenaikan (penurunan) ekuitas melalui transaksi pembayaran berbasis saham Increase (decrease) in equity through
share-based payment transactions
Pelaksanaan instrumen yang dapat dikonversi Exercise of convertible instruments
Pelaksanaan waran Exercise of warrants
Kenaikan (penurunan) ekuitas melalui transaksi dengan pemilik ekuitas Increase (decrease) in equity through
transactions with owner's equity
Setoran modal dari kepentingan non-pengendali Stock subscription from non-controlling interests
Perubahan kepentingan non-pengendali atas akuisisi entitas anak Changes in non-controlling interests due to
acquisition of subsidiaries
Perubahan kepentingan non-pengendali atas pendirian entitas anak Changes in non-controlling interests due to
establishment of subsidiaries
Perubahan kepentingan non-pengendali atas pelepasan entitas anak Changes in non-controlling interests due to
disposal of subsidiaries
Perubahan kepentingan non-pengendali atas pelepasan operasi yang Changes in non-controlling interests due to
dihentikan disposal of a discontinued operation
Perubahan kepentingan non-pengendali atas pelepasan sebagian Changes in non-controlling interests due to
kepemilikan pada entitas anak yang tidak mengakibatkan hilangnya partial disposal of interests in subsidiaries
pengendalian without loss of control
Perubahan kepentingan non-pengendali atas transaksi lainnya dengan Changes in non-controlling interests due to
kepentingan non-pengendali other transactions with non-controlling interests
Eliminasi defisit dalam rangka kuasi reorganisasi Elimination of deficit in connection with
quasi-reorganisation
Pelaksanaan opsi saham Stock options exercised
Dampak penerapan psak no. 70 atas aset pengampunan pajak Impact of psak no. 70 adoption on tax amnesty
assets
Saldo penyesuaian dampak penerapan retrospektif atas PSAK Retrospective adjustment of PSAK
implementation
Transaksi ekuitas lainnya Other equity transactions
Posisi ekuitas, akhir periode 3,791,973 1,267,378 363,130 1,723,037 7,145,518 7,145,518 Equity position, end of the period
Page 21
[4410000] Statement of changes in equity - Financial and Sharia Industry - Prior Year
Laporan perubahan ekuitas Statement of changes in equity
Additional Reserve of exchange Reserve for changes in fair value of fair value Reserve of Reserve of Reserve of Difference Due to Changes of Difference in value of equity Other transactions with Other components
Common Preferred Treasury Advances in Stock Translation Revaluation Reserve of gains (losses) from Other Other equity Appropriated retained Appropriated retained Unappropriated retained Equity attributable to Proforma Non-controlling
paid-in differences on through other comprehensive income financial share-based cash flow remeasurements of defined Equity in transactions with non-controlling non-controlling of equity Equity
stocks stocks stocks capital stock options adjustment reserves investments in equity instruments reserves interests earnings-general and legal reserves earnings-specific reserves earnings parent entity equity interests
capital translation assets payments hedges benefit plans Subsidiary/Associates interests interests transactions
Tambahan Uang muka Penjabaran Cadangan perubahan nilai wajar aset keuangan Cadangan Cadangan Cadangan pengukuran Kepentingan Komponen Saldo laba yang telah ditentukan Saldo laba yang telah ditentukan Saldo laba yang belum Ekuitas yang dapat
Saham Saham Saham Opsi Cadangan Cadangan selisih kurs Cadangan keuntungan (kerugian) Cadangan Selisih Transaksi Perubahan Selisih transaksi ekuitas dengan Transaksi dengan pihak Proforma Kepentingan
modal setoran laporan nilai wajar melalui pendapatan komprehensif pembayaran lindung nilai kembali program imbalan ekuitas transaksi ekuitas penggunaannya-cadangan umum dan penggunaannya-cadangan ditentukan diatribusikan kepada Ekuitas
biasa preferen treasuri saham revaluasi penjabaran investasi pada instrumen ekuitas lainnya Ekuitas Entitas Anak/Asosiasi pihak non-pengendali non-pengendali lainnya ekuitas non-pengendali
disetor modal keuangan lainnya berbasis saham arus kas pasti lainnya lainnya wajib khusus penggunaannya entitas induk
Laporan perubahan ekuitas [baris komponen] Statement of changes in equity [line items]
Posisi ekuitas Equity position
Saldo awal periode sebelum penyajian kembali 3,791,973 1,267,378 355,519 1,125,687 6,540,557 6,540,557 Balance before restatement at beginning of
period
Penyesuaian Adjustments
Penerapan awal standar akuntansi baru dan revisi Initial adoption of new and revised accounting
standards
Perubahan kebijakan akuntansi secara sukarela Voluntary changes in accounting policies
Koreksi kesalahan periode lalu Correction of prior period errors
Penyesuaian lainnya Other adjustments
Posisi ekuitas, awal periode 3,791,973 1,267,378 355,519 1,125,687 6,540,557 6,540,557 Equity position, beginning of the period
Laba (rugi) 295,402 295,402 295,402 Profit (loss)
Pendapatan komprehensif lainnya 5,837 5,837 5,837 Other comprehensive income
Penjabaran laporan keuangan Translation adjustment
Pembentukan cadangan umum Allocation for general reserves
Pembentukan cadangan khusus Allocation for specific reserves
Distribusi dividen kas Distributions of cash dividends
Distribusi dividen saham Distributions of stock dividends
Penerbitan saham biasa Issuance of common stocks
Penerbitan saham preferen Issuance of preferred stocks
Biaya emisi efek Stock issuance costs
Penerbitan instrumen yang dapat dikonversi Issuance of convertible instruments
Kenaikan (penurunan) ekuitas melalui transaksi saham tresuri Increase (decrease) in equity through treasury
stock transactions
Kenaikan (penurunan) ekuitas melalui transaksi pembayaran berbasis saham Increase (decrease) in equity through
share-based payment transactions
Pelaksanaan instrumen yang dapat dikonversi Exercise of convertible instruments
Pelaksanaan waran Exercise of warrants
Kenaikan (penurunan) ekuitas melalui transaksi dengan pemilik ekuitas Increase (decrease) in equity through
transactions with owner's equity
Setoran modal dari kepentingan non-pengendali Stock subscription from non-controlling interests
Perubahan kepentingan non-pengendali atas akuisisi entitas anak Changes in non-controlling interests due to
acquisition of subsidiaries
Perubahan kepentingan non-pengendali atas pendirian entitas anak Changes in non-controlling interests due to
establishment of subsidiaries
Perubahan kepentingan non-pengendali atas pelepasan entitas anak Changes in non-controlling interests due to
disposal of subsidiaries
Perubahan kepentingan non-pengendali atas pelepasan operasi yang Changes in non-controlling interests due to
dihentikan disposal of a discontinued operation
Perubahan kepentingan non-pengendali atas pelepasan sebagian Changes in non-controlling interests due to
kepemilikan pada entitas anak yang tidak mengakibatkan hilangnya partial disposal of interests in subsidiaries
pengendalian without loss of control
Perubahan kepentingan non-pengendali atas transaksi lainnya dengan Changes in non-controlling interests due to
kepentingan non-pengendali other transactions with non-controlling interests
Eliminasi defisit dalam rangka kuasi reorganisasi Elimination of deficit in connection with
quasi-reorganisation
Pelaksanaan opsi saham Stock options exercised
Dampak penerapan psak no. 70 atas aset pengampunan pajak Impact of psak no. 70 adoption on tax amnesty
assets
Saldo penyesuaian dampak penerapan retrospektif atas PSAK Retrospective adjustment of PSAK
implementation
Transaksi ekuitas lainnya Other equity transactions
Posisi ekuitas, akhir periode 3,791,973 1,267,378 361,356 1,421,089 6,841,796 6,841,796 Equity position, end of the period
Page 22
[4510000] Statement of cash flows, direct method - Financial and Sharia
Industry
Laporan arus kas Statement of cash flows
31 December 2025 31 December 2024
Laporan arus kas Statement of cash flows
Arus kas dari aktivitas Cash flows from operating
operasi activities
Arus kas sebelum Cash flows before
perubahan dalam aset changes in operating
dan liabilitas operasi assets and liabilities
Penerimaan bunga, 2,267,953 2,171,644 Interest, investment
hasil investasi, provisi, income, fees and
dan komisi commissions received
Pembayaran bunga ( 1,242,337 ) ( 1,110,890 ) Payments Of Interest
dan bonus, provisi dan And Bonus Fees And
komisi Commissions
Bunga bank dan Interest from banks
deposito berjangka and time deposits
Penerimaan Revenue receipts from
pendapatan fund management as
pengelolaan dana mudharib
sebagai mudharib
Pembayaran bagi Payments of
hasil dana syirkah temporary syirkah
temporer funds
Penerimaan premi Receipts from
asuransi insurance premiums
Penerimaan klaim Receipts from
reasuransi reinsurance claims
Penerimaan Receipts (payments)
(pembayaran) komisi of commission
Penerimaan klaim Receipts from
retrosesi retrocession claims
Penerimaan dari ujrah Receipts of ujrah
Penerimaan dari Receipts from
(pembayaran kepada) (payments to) clearing
lembaga kliring dan and guarantee
penjaminan institution
Penerimaan dari Receipts from
(pembayaran kepada) (payments to)
nasabah customers
Pencairan Withdrawal
(penempatan) (placement) of
deposito pada deposits to clearing
lembaga kliring dan and guarantee
penjaminan institution
Pendapatan dari Income from other
transaksi operasional operating transactions
lainnya
Penerimaan kembali Recoveries of written
aset yang telah off assets
dihapusbukukan
Pembayaran biaya Payments for deferred
akuisisi ditangguhkan acquisition costs
Pembayaran atas Payments of finance
beban keuangan dan costs and bank
beban administrasi administration charges
Page 23
bank
Pembayaran gaji dan ( 293,639 ) ( 304,537 ) Payments for salaries
tunjangan and allowances
Pembayaran pajak Payments for
penghasilan badan corporate income tax
Pembayaran beban ( 179,917 ) ( 175,842 ) Payments for general
umum dan and administrative
administrasi expense
Laba (rugi) selisih kurs Foreign currency
gains (losses)
Penerimaan ( 102,260 ) ( 128,035 ) Refunds (payments)
pengembalian of income tax
(pembayaran) pajak
penghasilan
Pembayaran beban ( 188 ) ( 789 ) Payments for other
operasional lainnya operating expenses
Penerimaan Receipts from
pendapatan non-operating income
non-operasional
Pengembalian Repayment
(penempatan) uang (placement) of
jaminan refundable deposits
Penerimaan 8,450 8,113 Other cash inflows
(pengeluaran) kas (outflows) from
lainnya dari aktivitas operating activities
operasi
Penurunan (kenaikan) Decrease (increase) in
aset operasi operating assets
Penurunan (kenaikan) Decrease (increase) in
penempatan pada placements with other
bank lain dan Bank banks and Bank
Indonesia Indonesia
Penurunan (kenaikan) Decrease (increase) in
efek yang marketable securities
diperdagangkan
Penurunan (kenaikan) 1,069,249 Decrease (increase) in
efek yang dibeli securities purchased
dengan janji dijual under resale
kembali agreements
Penurunan (kenaikan) Decrease (increase) in
investasi pemegang investment of
polis pada kontrak policyholder in
unit-linked unit-linked contracts
Penurunan (kenaikan) Decrease (increase) in
wesel ekspor dan bills and other
tagihan lainnya receivables
Penurunan (kenaikan) 9,090 ( 12,262 ) Decrease (increase) in
tagihan akseptasi acceptance
receivables
Penurunan (kenaikan) ( 3,218,131 ) ( 4,335,923 ) Decrease (increase) in
pinjaman yang loans
diberikan
Penurunan (kenaikan) Decrease (increase) in
piutang pembiayaan consumer financing
konsumen receivables
Penurunan (kenaikan) Decrease (increase) in
investasi sewa lease investments
Penurunan (kenaikan) Decrease (increase) in
tagihan anjak piutang factoring
Penurunan Decrease (increase)
(kenaikan) piutang in sharia financing
Page 24
dan pembiayaan and receivables
syariah
Penurunan Decrease
(kenaikan) piutang (increase) in
murabahah murabahah
receivables
Penurunan Decrease
(kenaikan) piutang (increase) in
istishna istishna
receivables
Penurunan Decrease
(kenaikan) piutang (increase) in ijarah
ijarah receivables
Penurunan Decrease
(kenaikan) (increase) in qardh
pinjaman qardh funds
Penurunan Decrease
(kenaikan) (increase) in
pembiayaan mudharabah
mudharabah financing
Penurunan Decrease
(kenaikan) (increase) in
pembiayaan musyarakah
musyarakah financing
Penurunan Decrease
(kenaikan) aset (increase) in ijarah
ijarah assets
Penurunan (kenaikan) Decrease (increase) in
piutang lainnya other receivables
Penurunan (kenaikan) Decrease (increase) in
agunan yang diambil foreclosed assets
alih
Penurunan (kenaikan) Decrease (increase) in
tagihan derivatif derivative receivables
Penurunan (kenaikan) Decrease (increase) in
aset reasuransi reinsurance assets
Penurunan (kenaikan) ( 12,444 ) ( 28,865 ) Decrease (increase) in
aset lainnya other assets
Kenaikan (penurunan) Increase (decrease) in
liabilitas operasi operating liabilities
Kenaikan (penurunan) 8,525 ( 5,572 ) Increase (decrease) in
liabilitas segera obligations due
immediately
Kenaikan (penurunan) 1,765,263 959,747 Increase (decrease) in
giro dan tabungan current accounts and
simpanan nasabah customers savings
Kenaikan (penurunan) 3,543,276 2,410,913 Increase (decrease) in
deposito berjangka customers time
nasabah deposits
Kenaikan (penurunan) Increase (decrease) in
giro wadiah simpanan customers wadiah
nasabah demand deposits
Kenaikan (penurunan) Increase (decrease) in
tabungan wadiah customers wadiah
simpanan nasabah saving deposits
Kenaikan (penurunan) Increase (decrease) in
deposito wakalah customers wakalah
simpanan nasabah deposits
Kenaikan (penurunan) 848,968 520,023 Increase (decrease) in
simpanan dari bank other banks saving
lain deposits
Page 25
Kenaikan (penurunan) Increase (decrease) in
giro mudharabah mudharabah current
account
Kenaikan (penurunan) Increase (decrease) in
tabungan mudharabah mudharabah savings
deposits
Kenaikan (penurunan) ( 1,384,544 ) 1,451,149 Increase (decrease) in
efek yang dijual securities sold under
dengan janji dibeli repurchase agreement
kembali
Kenaikan (penurunan) ( 9,090 ) 12,262 Increase (decrease) in
liabilitas akseptasi acceptance payables
Kenaikan (penurunan) Increase (decrease) in
liabilitas pemegang liabilities to
polis pada kontrak policyholder on
unit-linked unit-linked contracts
Kenaikan (penurunan) Increase (decrease) in
liabilitas derivatif derivative payables
Kenaikan (penurunan) Increase (decrease) in
dana syirkah temporer temporary syirkah
funds
Kenaikan (penurunan) ( 28,606 ) ( 29,790 ) Increase (decrease) in
liabilitas lainnya other liabilities
Jumlah arus kas bersih 1,980,369 2,470,595 Total net cash flows
yang diperoleh dari received from (used in)
(digunakan untuk) operating activities
aktivitas operasi
Arus kas dari aktivitas Cash flows from investing
investasi activities
Penerimaan dari ( 1,254,456 ) ( 2,309,937 ) Proceeds from equity
penyertaan saham dalam investments classified as
klasifikasi biaya amortized cost and fair
perolehan diamortisasi value through other
dan nilai wajar melalui comprehensive income
pendapatan komprehensif
lainnya
Pencairan (penempatan) Withdrawal (placement)
obligasi dan (atau) sukuk of bonds and (or) sukuk
Penerimaan dividen dari Dividends received from
aktivitas investasi investing activities
Penerimaan dari ( 13,490 ) 7,776 Proceeds from disposal
penjualan (perolehan) (acquisition) of
properti investasi investment properties
Penerimaan dari 851 3,578 Proceeds from disposal
penjualan (perolehan) (acquisition) of property
aset tetap and equipment
Penerimaan dari Proceeds from disposal
penjualan (perolehan) (acquisition) of intangible
aset takberwujud selain assets other than goodwill
goodwill
Pencairan (penempatan) Withdrawal (placement)
aset keuangan nilai wajar of financial assets fair
melalui pendapatan value through other
komprehensif lainnya comprehensive income
Penempatan aset Placement of financial
keuangan biaya assets amotized cost
perolehan diamortisasi investments
Pencairan aset keuangan Withdrawal of financial
biaya perolehan assets amortized cost
diamortisasi investments
Penerimaan dari Receipts from (payments
Page 26
(pembayaran kepada) for) policy loans pinjaman polis Pembayaran untuk Payments for acquisition perolehan entitas anak of subsidiaries Penerimaan dari Proceeds from sales of pelepasan entitas anak subsidiaries Pembayaran untuk Payments for acquisition perolehan tambahan of additional interests in kepemilikan pada entitas subsidiaries anak Pencairan (penempatan) Withdrawal (placement) efek-efek yang of marketable securities diperdagangkan Penerimaan dari Proceeds from sales of pelepasan kepentingan di interests in subsidiaries entitas anak tanpa without loss of control hilangnya pengendalian from investing activities dari kegiatan investasi Pembayaran untuk Payments for acquisition perolehan kepemilikan of interests in associates pada entitas asosiasi Penerimaan dari Proceeds from sales of pelepasan kepemilikan interests in associates pada entitas asosiasi Penerimaan Other cash inflows (pengeluaran) kas lainnya (outflows) from investing dari aktivitas investasi activities Jumlah arus kas bersih ( 1,267,095 ) ( 2,298,583 ) Total net cash flows yang diperoleh dari received from (used in) (digunakan untuk) investing activities aktivitas investasi Arus kas dari aktivitas Cash flows from financing pendanaan activities Kenaikan (penurunan) Increase (decrease) in efek yang diterbitkan securities issued Penerbitan sukuk Issuance of mudharabah mudharabah sukuk Penempatan sertifikat Placement of certificate of investasi mudharabah mudharabah investments Biaya emisi sukuk Issuance cost of mudharabah mudharabah sukuk Penerimaan pinjaman 16,552 485,700 Proceeds from yang diterima borrowings Pembayaran pinjaman ( 500,940 ) Payments for borrowings yang diterima Penerimaan pinjaman Proceeds from subordinasi subordinated loans Pembayaran pinjaman ( 468,900 ) Payments of subordinasi subordinated loans Pembayaran bunga Payments of interests pinjaman from borrowings Penerimaan dari Proceeds from bonds penerbitan obligasi issuance Pembayaran utang Payments of bonds obligasi payable Pembayaran biaya emisi Payments of bonds penerbitan obligasi issuance costs Obligasi subordinasi yang Subordinated bonds diterbitkan issued Pembayaran obligasi Payments of
Page 27
subordinasi subordinated bonds
Biaya emisi obligasi Subordinated bonds
subordinasi yang issuance costs
diterbitkan
Penerimaan dari surat Proceeds from medium
utang jangka menengah term notes
Pembayaran dari surat Payments of medium
utang jangka menengah term notes
Penerimaan dari Proceeds from issuance
penerbitan saham baru of new stocks
Pembayaran biaya emisi Payments of stock
saham issuance costs
Penerimaan setoran Proceeds from capital
modal contributions
Penerimaan dari Proceed from increase of
penambahan kepemilikan non-controlling interest
dari non-pengendali
Penjualan (pembelian) Sales (purchase) of
dari saham tresuri treasury stocks
Penerimaan dari program Proceeds from employee
opsi saham karyawan stock options program
Penyelesaian Settlement (placement) of
(penempatan) transaksi derivative transactions
derivatif
Pembayaran dividen dari Dividends paid from
aktivitas pendanaan financing activities
Penerimaan ( 12,476 ) ( 11,806 ) Other cash inflows
(pengeluaran) kas lainnya (outflows) from financing
dari aktivitas pendanaan activities
Jumlah arus kas bersih ( 496,864 ) 4,994 Total net cash flows
yang diperoleh dari received from (used in)
(digunakan untuk) financing activities
aktivitas pendanaan
Jumlah kenaikan 216,410 177,006 Total net increase
(penurunan) bersih kas (decrease) in cash and
dan setara kas cash equivalents
Kas dan setara kas arus kas, 2,163,558 1,949,662 Cash and cash equivalents
awal periode cash flows, beginning of the
period
Efek perubahan nilai kurs ( 11,768 ) 36,890 Effect of exchange rate
pada kas dan setara kas changes on cash and cash
equivalents
Kas dan setara kas dari Cash and cash equivalent of
entitas anak yang deconsolidated subsidiaries
didekonsolidasikan
Kenaikan (penurunan) kas Other increase (decrease) in
dan setara kas lainnya cash and cash equivalents
Kas dan setara kas arus 2,368,200 2,163,558 Cash and cash equivalents
kas, akhir periode cash flows, end of the
period
Page 28
[4610000] Explanation for Significant Accounting Policy - Financial and Sharia Industry
Kebijakan akuntansi signifikan Significant accounting policies
31 December 2025
Kebijakan akuntansi signifikan Significant accounting policies
Dasar penyusunan laporan keuangan konsolidasian Basis of preparation of consolidated
financial statements
Prinsip-prinsip konsolidasi Principles of consolidation
Kas dan setara kas Aset keuangan yang diukur pada biaya perolehan yang diamortisasi/Financial assets at amortized cost Cash and cash equivalents
Aset tetap Bank menggunakan model revaluasi untuk aset tetap dimana aset tetap dinyatakan sebesar nilai wajar Fixed assets
dikurangi akumulasi penyusutan dan rugi penurunan nilai yang terjadi setelah tanggal revaluasi.
Revaluasi akan dilakukan dengan keteraturan yang cukup regular untuk memastikan bahwa jumlah
tercatat tidak berbeda secara material dari jumlah yang ditentukan dengan menggunakan nilai wajar
pada akhir periode pelaporan. Jika perubahan nilai wajar tidak berbeda secara material, aset tersebut
akan direvaluasi paling kurang setiap 3 (tiga) atau 5 (lima) tahun sekali The Bank uses the revaluation
model for fixed asset where fixed assets are measured at fair value less accumulated depreciation and
impairment losses recognised after the date of the revaluation. Revaluation is carried out fairly regularly
to ensure that the carrying amount does not differ materially from the amount determined using the fair
value at the end of the reporting period. If the changes in fair value are immaterial, the asset will be
revaluated between 3 (three) or 5 (five) years
Penurunan nilai aset nonkeuangan Pada setiap tanggal pelaporan, Bank melakukan penilaian apakah terdapat indikasi bahwa aset non Impairment of non-financial assets
keuangan mungkin mengalami penurunan nilai sesuai dengan PSAK 236 tentang Nilai Aset. Jika
indikasi tersebut ada, maka nilai yang dapat dipulihkan dari aset tersebut akan diestimasi At each
reporting date, the Bank assesses whether there is any indication that its non-financial assets may be
impaired in accordance with SFAS 236 of Assets. If any such indication exists, then asset recoverable
amount will be estimated
Beban tangguhan Deferred charges
Pengakuan pendapatan dan beban Revenue and expense recognition
Penjabaran mata uang asing Transaksi dalam mata uang asing dicatat berdasarkan kurs yang berlaku pada saat transaksi Foreign currency translation
dilakukan. Pada tanggal laporan posisi keuangan, aset dan liabilitas moneter dalam mata uang asing
dijabarkan ke dalam mata uang Rupiah menggunakan kurs laporan (penutupan) yang ditetapkan oleh
Bank Indonesia yaitu kurs tengah yang merupakan rata-rata kurs beli dan kurs jual berdasarkan
Reuters pada pukul 16.00 WIB setiap hari. Laba atau rugi kurs yang terjadi diakui di dalam laporan
laba rugi dan penghasilan komprehensif lain tahun berjalan Transactions involving foreign currencies
are recorded at the rates of exchange prevailing at the time the transactions are made. At statement of
financial position date, monetary assets and liabilities denominated in foreign currencies are translated
into Rupiah using the reporting (closing) rate determined by Bank of Indonesia which is middle rate
from the average of bid and ask rate based on Reuters at 16.00 WIB (Western Indonesia local time)
everyday. The resulting gains or losses are recognised in the statement of profit or loss and other
comprehensive income for the current year
Transaksi dengan pihak berelasi Bank melakukan transaksi dengan pihak-pihak berelasi. Dalam laporan keuangan ini, istilah pihak Transactions with related parties
berelasi sesuai dengan PSAK 224 tentang Pihak-Pihak Berelasi The Bank enters into transactions with
Page 29
related parties. In these financial statements, the term related parties are defined under SFAS 224 on
Party Disclosures
Pajak penghasilan Beban pajak terdiri dari pajak kini dan pajak tangguhan. Pajak diakui dalam laporan laba rugi kecuali Income taxes
jika pajak tersebut terkait dengan transaksi atau kejadian yang diakui ke penghasilan komprehensif lain
atau langsung diakui ke ekuitas. Dalam hal ini, pajak tersebut masing-masing diakui dalam penghasilan
komprehensif lain atau ekuitas The tax expense comprises current and deferred tax. Tax is recognised
in the statement of income except to the extent that it relates to items recognised in other
comprehensive income or directly in equity. In this case, the tax is also recognised in other
comprehensive income or directly in equity, respectively
Pinjaman Borrowings
Provisi Provisi diakui jika Bank memiliki liabilitas kini (baik bersifat hukum maupun bersifat konstruktif), dimana Provisions
akibat peristiwa masa lalu, besar kemungkinan bahwa penyelesaian kewajiban tersebut
mengakibatkan arus keluar sumber daya yang mengandung manfaat ekonomi dan estimasi yang andal
mengenai jumlah kewajiban tersebut dapat dibuat. Provisions are recognised when the Bank has a
present obligation (legal or constructive), that as a result of a past event, it is probable that the
settlement of obligation cause an outflow of resources embodying economic benefits will be required to
settle the obligation and a reliable estimate can be made of the amount of the obligation
Imbalan kerja karyawan Nilai kini atas imbalan kerja karyawan tergantung dari banyaknya faktor yang dipertimbangkan oleh Employee benefits
aktuaris berdasarkan beberapa asumsi. Perubahan atas asumsi-asumsi tersebut akan mempengaruhi
nilai tercatat atas imbalan kerja karyawan. The present value of the employee benefit obligations
depends on a number of factors that are determined on an actuarial basis using a number of
assumptions. Any changes in these assumptions will impact the carrying amount of employee benefit
obligations
Laba per saham Laba per saham dasar dihitung dengan membagi laba tahun berjalan dengan rata-rata tertimbang Earnings per share
jumlah saham yang ditempatkan dan disetor penuh selama tahun berjalan Basic earnings per share is
computed by dividing income for the year with the weighted average number of outstanding issued and
fully paid-up common shares during the year
Dividen Dividends
Pelaporan segmen Segment reporting
Instrumen keuangan derivatif Derivative financial instruments
Penerapan standar akutansi baru Amandemen PSAK 109 Keuangan dan PSAK 107 Keuangan Pengungkapan tentang Klasifikasi dan The implementation of new
Pengukuran Instrumen Keuangan tentang mengklarifikasi ketentuan dalam PSAK 109 terkait statements of accounting standards
penghentian pengakuan liabilitas keuangan, serta mengklarifikasi penilaian karakteristik arus kas untuk
aset keuangan dengan fitur ESG-linked, aset keuangan dengan fitur non-recourse, dan instrumen yang
terikat secara kontraktual seperti tranche - Amendments of SFAS 109, Instruments, and SFAS 107,
Instruments: Disclosures about the Classification and Measurement of Financial Instruments regarding
derecognition of financial liabilities, as well as clarify the assessment of cash flow characteristics for
financial assets with ESG-linked features, financial assets with non-recourse features, and contractually
bound instruments such as tranches
Kombinasi bisnis Bank telah mendapat pernyataan efektif sehubungan dengan merger di atas berdasarkan surat Ketua Business combination
Bapepam-LK No. S-5968/BL/2007 tanggal 26 November 2007 dan izin Bank Indonesia berdasarkan
Keputusan Gubernur Bank Indonesia No. 9/67/KEP.GBI/2007 mengenai pernyataan merger pada
tanggal 18 Desember 2007. Keputusan Gubernur Bank Indonesia tersebut mulai berlaku sejak tanggal
persetujuan perubahan Anggaran Dasar PT Multicor Tbk oleh Menteri Hukum dan Hak Asasi Manusia
Republik Indonesia dengan surat keputusan No. AHU-00982.AH.01.02 tanggal 8 Januari 2008 Pada
Page 30
tanggal 24 Juni 2016, Bank telah menandatangani Perjanjian Jual Beli () untuk mengakuisisi PT Bank
Antardaerah. Akuisisi ini diselesaikan pada tanggal 24 Juni 2016, yang mana Bank mengakuisisi 100%
dari jumlah saham yang diterbitkan oleh PT Bank Antardaerah The Bank has received the notice of
effectivity of the merger based on the letter of the Chairman of Bapepam-LK No. S-5968/BL/2007 dated
November 26, 2007 and the merger license from Bank Indonesia based on the Decision of the
Governor of Bank Indonesia No. 9/67/KEP.GBI/2007 regarding merger statement dated December 18,
2007. The effective date of the merger is based on approval for the changes in Articles of Association
of PT Bank Multicor Tbk by the Ministry of Laws and Human Rights of the Republic of Indonesia in its
Decision Letter No. AHU-00982.AH.01.02 dated January 8, 2008 On June 24, 2016, the Bank signed a
Sale and Purchase Agreement () to acquire PT Bank Antardaerah. The acquisition was completed on
June 24, 2016, with the Bank acquiring 100% of the issued shares of PT Bank Antardaerah
Penentuan nilai wajar Nilai wajar adalah harga yang akan diterima untuk menjual suatu aset atau harga yang akan dibayar Determination of fair value
untuk mengalihkan suatu liabilitas dalam transaksi teratur antara pelaku pasar pada tanggal
pengukuran Fair value is the price that would be received to sell an asset or paid to transfer a liability in
an orderly transaction between market participants at the measurement date
Transaksi dan saldo dalam mata uang asing Transaksi dalam mata uang asing dicatat berdasarkan kurs yang berlaku pada saat transaksi Foreign currency transactions and
dilakukan. Pada tanggal laporan posisi keuangan, aset dan liabilitas moneter dalam mata uang asing balances
dijabarkan ke dalam mata uang Rupiah menggunakan kurs laporan (penutupan) yang ditetapkan oleh
Bank Indonesia yaitu kurs tengah yang merupakan rata-rata kurs beli dan kurs jual berdasarkan
Reuters pada pukul 16.00 WIB setiap hari. Laba atau rugi kurs yang terjadi diakui di dalam laporan
laba rugi dan penghasilan komprehensif lain tahun berjalan Transactions involving foreign currencies
are recorded at the rates of exchange prevailing at the time the transactions are made. At statement of
financial position date, monetary assets and liabilities denominated in foreign currencies are translated
into Rupiah using the reporting (closing) rate determined by Bank of Indonesia which is middle rate
from the average of bid and ask rate based on Reuters at 16.00 WIB (Western Indonesia local time)
everyday. The resulting gains or losses are recognised in the statement of profit or loss and other
comprehensive income for the current year
Giro pada Bank Indonesia dan bank lain Aset keuangan yang diukur pada biaya perolehan yang diamortisasi/Financial assets at amortized cost Current accounts with Bank
Aset keuangan yang diukur pada biaya perolehan yang diamortisasi/Financial assets at amortized cost Indonesia and other banks
Penempatan pada Bank Indonesia dan bank lain Aset keuangan yang diukur pada biaya perolehan yang diamortisasi/Financial assets at amortized cost Placements with Bank Indonesia and
other banks
Efek-efek Efek-efek terdiri dari surat berharga yang diperdagangkan dalam pasar modal dan pasar uang seperti Securities
obligasi pemerintah, dan obligasi yang diperdagangkan di bursa efek Marketable securities consist of
securities traded in the capital market and money market such as government bonds, and bonds which
are traded in the stock exchange
Investasi jangka pendek Short-term investment
Aset hak guna Bank telah mengadopsi PSAK 116 mengenai . Identifikasi dan pengukuran atas aset hak guna dan Right of use assets
liabilitas sewa diterapkan secara modified retrospective tanpa penyajian kembali periode komparatif.
The Bank has adopted SFAS 116 regarding . Identification and measurement of the rights-of-use
assets and lease liabilities are applied on a modified retrospective basis without a comparative period
representation
Properti investasi Investment properties
Goodwill Goodwill yang timbul dari kombinasi bisnis diakui sebagai aset pada tanggal diperolehnya Goodwill
pengendalian (tanggal akuisisi). Goodwill diukur sebagai selisih dari imbalan yang dialihkan, jumlah
setiap kepentingan non pengendali pada pihak yang diakuisisi dan nilai wajar dari kepentingan ekuitas
Page 31
yang sebelumnya dimiliki pihak pengakuisisi pada pihak yang diakuisisi (jika ada) atas jumlah selisih
bersih dari aset teridentifikasi yang diperoleh dan liabilitas yang diambil alih pada tanggal akuisisi
Goodwill arising in a business combination is recognised as an asset at the date that control is
acquired (the acquisition date). Goodwill is measured as the excess of the sum of the consideration
transferred, the amount of any non-controlling interest in the acquiree and the fair value of the acquirer
previously held equity interest (if any) in the acquiree over net of the acquisition-date amounts of the
identifiable assets acquired and the liabilities assumed
Investasi pada entitas asosiasi Investment in associates
Aset takberwujud Aset tidak berwujud diakui jika, dan hanya jika, biaya perolehan aset tersebut dapat diukur secara Intangible assets
andal dan kemungkinan besar Bank akan memperoleh manfaat ekonomis masa depan dari aset
tersebut Intangible assets are recognised if, and only if its cost can be measured reliably and it is
probable that expected future benefits that are attributable to it will flow to the Bank
Beban dibayar dimuka Prepaid expenses
Piutang dan utang asuransi Insurance receivables and payables
Piutang pembiayaan konsumen Consumer financing receivables
Liabilitas atas kontrak Contract liabilities
Simpanan nasabah dan simpanan dari bank lain Simpanan nasabah diklasifikasikan sebagai liabilitas keuangan lainnya dan diukur pada biaya Deposits from customers and
perolehan diamortisasi menggunakan suku bunga efektif. Deposits from customers are classified as deposits from other banks
other financial liabilities and measured at amortised cost using the effective interest rate method
Obligasi subordinasi Subordinated bonds
Efek-efek yang dibeli dengan janji dibeli kembali Securities purchased under resell
agreements
Saham treasuri Treasury stock
Modal saham Hasil penerbitan saham tersebut telah diterima oleh Bank sehingga dengan demikian jumlah seluruh Share capital
saham ditempatkan dan disetor penuh Bank meningkat menjadi 37.919.730.514 lembar saham atau
sebesar Rp3.791.973 dan terdapat penambahan nilai tambahan modal disetor sebanyak Rp1.029.030
menjadi Rp1.267.378 sebagaimana termuat dalam Akta Pernyataan Keputusan Rapat No. 87 tanggal
16 Desember 2020 yang dibuat di hadapan Notaris Eliwaty Tjitra, SH Notaris di Jakarta, yang telah
mendapat persetujuan Menteri Hukum dan Hak Asasi Manusia No. AHU-AH.0221010 Tahun 2020
tanggal 30 Desember 2020 dan pemberitahuan perubahan anggaran dasarnya telah diterima dan
dicatat dalam Sistem Administrasi Badan Hukum Menkumham No. AHU-AH.01.03-0425446 tanggal 30
Desember 2020 The proceed of shares issuance has been received by the Bank so therefore the total
number of issued and fully paid-up shares of the Bank increases to 37,919,730,514 shares or
Rp3,791,973 and increase the additional paid in capital amounted to Rp1,029,030 to be Rp1,267,378
as stated in Deed of Resolutions Statement No. 87 dated December 16, 2020 by Notary Eliwaty Tjitra
SH, Notary in Jakarta, which has been approved by Ministry of Laws and Human Rights No.
AHU-AH.0221010. Year 2020 dated December 30, 2020 and notice of the amendment has been
received and recorded by Ministry of Laws and Human Rights of the Republic of Indonesia as stated in
the Letter AHU-AH.01.03-0425446 dated December 30, 2020
Pengaturan pembayaran berbasis saham Share-based payment arrangement
Biaya emisi efek ekuitas Stock issuance cost
Instrumen keuangan Financial instruments
Aset tidak lancar yang diklasifikasikan sebagai dimiliki Non-current assets classified as held
untuk dijual for sale
Page 32
Peristiwa setelah tanggal periode pelaporan Events after reporting period
Penerapan standar akuntansi baru Adoption of new accounting
standards
Standar akuntansi yang telah disahkan namun belum Accounting standards issued but not
berlaku efektif yet effective
Utang pembiayaan konsumen Consumer financing liabilities
Page 33
[4611000_BD] Notes to the financial statements - Property, Plant, and Equipement (breakdown) - Financial and Sharia Industry
Aset tetap Property, plant, and equipment
Aset tetap [baris komponen]
Penambahan aset Pengurangan aset Reklasifikasi aset Penjabaran laporan keuangan aset Entitas anak baru aset Revaluasi aset Penurunan (pemulihan) nilai aset
Aset tetap Aset tetap
tetap tetap tetap tetap tetap tetap tetap
Nilai perolehan, Tanah, dimiliki langsung 414,773 414,773 Land, directly owned Carrying amount, gross
kotor Bangunan dan fasilitasnya, dimiliki langsung 471,943 471,943 Building and leasehold improvement, directly owned
Mesin dan peralatan, dimiliki langsung Machinery and equipment, directly owned
Alat berat, dimiliki langsung Heavy equipment, directly owned
Alat pengangkutan, dimiliki langsung Transportation equipment, directly owned
Perabot dan peralatan kantor, dimiliki 134,950 8,992 ( 17,888 ) 1,280 127,334 Furniture and office equipment, directly owned
langsung
Kendaraan bermotor, dimiliki langsung 56,699 2,246 ( 4,564 ) 54,381 Motor vehicle, directly owned
Pesawat, dimiliki langsung Aircraft, directly owned
Kapal, dimiliki langsung Vessels, directly owned
Menara telekomunikasi, dimiliki langsung BTS Tower, directly owned
Jaringan Fiber Optik, dimiliki langsung Fiber Optic Network, directly owned
Infrastruktur Telekomunikasi, dimiliki Telecommunication Infrastructure, directly owned
langsung
Peralatan Teknikal, dimiliki langsung Technical Equipment, directly owned
Lainnya, dimiliki langsung 26,023 1,200 27,223 Others, directly owned
Dimiliki langsung 1,104,388 11,238 ( 22,452 ) 2,480 1,095,654 Directly owned
Mesin, aset hak guna Machinery, right of use assets
Alat pengangkutan, aset hak guna Transportation equipment, right of use assets
Alat berat, aset hak guna Heavy equipment, right of use assets
Bangunan, aset hak guna 51,286 11,904 ( 13,871 ) 49,319 Building, right of use assets
Perabot dan peralatan kantor, aset hak guna Furniture and office equipment, rights of use assets
Kendaraan bermotor, aset hak guna 5,152 1,596 ( 1,056 ) 5,692 Motor vehicle, rights of use assets
Pesawat, aset hak guna Aircraft, right of use assets
Kapal, aset hak guna Vessels, right of use assets
Menara telekomunikasi, aset hak guna BTS Tower, right of use assets
Jaringan Fiber Optik, aset hak guna Fiber Optic Network, right of use assets
Infrastruktur Telekomunikasi, aset hak guna Telecommunication Infrastructure, right of use assets
Peralatan Teknikal, aset hak guna Technical Equipment, right of use assets
Lainnya, aset hak guna 29,047 ( 10,927 ) 18,120 Others, right of use assets
Aset hak guna 85,485 13,500 ( 25,854 ) 73,131 Right of use assets
Bangunan, dalam penyelesaian 3,591 3,890 ( 908 ) ( 2,480 ) 4,093 Building, assets under construction
Mesin dan alat berat, dalam penyelesaian Machinery and heavy equipment, assets under
construction
Menara telekomunikasi, dalam penyelesaian BTS Tower, assets under construction
Jaringan Fiber Optik, dalam penyelesaian Fiber Optic Network, assets under construction
Infrastruktur Telekomunikasi, dalam Telecommunication Infrastructure, assets under
penyelesaian construction
Peralatan Teknikal, dalam penyelesaian Technical Equipment, assets under construction
Lainnya, dalam penyelesaian Others, assets under construction
Aset dalam penyelesaian 3,591 3,890 ( 908 ) ( 2,480 ) 4,093 Assets under construction
Aset tetap 1,193,464 28,628 ( 49,214 ) 1,172,878 Property, plant, and equipment
Akumulasi Tanah, dimiliki langsung Land, directly owned Carrying amount, accumulated
Page 34
depresiasi Bangunan dan fasilitasnya, dimiliki langsung 181,053 27,803 208,856 Building and leasehold improvement, directly owned depreciation
Mesin dan peralatan, dimiliki langsung Machinery and equipment, directly owned
Alat berat, dimiliki langsung Heavy equipment, directly owned
Alat pengangkutan, dimiliki langsung Transportation equipment, directly owned
Perabot dan peralatan kantor, dimiliki 117,144 10,895 ( 17,888 ) 110,151 Furniture and office equipment, directly owned
langsung
Kendaraan bermotor, dimiliki langsung 56,551 273 ( 4,538 ) 52,286 Motor vehicle, directly owned
Pesawat, dimiliki langsung Aircraft, directly owned
Kapal, dimiliki langsung Vessels, directly owned
Menara telekomunikasi, dimiliki langsung BTS Tower, directly owned
Jaringan Fiber Optik, dimiliki langsung Fiber Optic Network, directly owned
Infrastruktur Telekomunikasi, dimiliki Telecommunication Infrastructure, directly owned
langsung
Peralatan Teknikal, dimiliki langsung Technical Equipment, directly owned
Lainnya, dimiliki langsung 23,872 831 24,703 Others, directly owned
Dimiliki langsung 378,620 39,802 ( 22,426 ) 395,996 Directly owned
Mesin, aset hak guna Machinery, right of use assets
Alat pengangkutan, aset hak guna Transportation equipment, right of use assets
Alat berat, aset hak guna Heavy equipment, right of use assets
Bangunan, aset hak guna 20,670 11,117 ( 13,871 ) 17,916 Building, right of use assets
Perabot dan peralatan kantor, aset hak guna Furniture and office equipment, rights of use assets
Kendaraan bermotor, aset hak guna 1,870 1,562 ( 1,056 ) 2,376 Motor vehicle, rights of use assets
Pesawat, aset hak guna Aircraft, right of use assets
Kapal, aset hak guna Vessels, right of use assets
Menara telekomunikasi, aset hak guna BTS Tower, right of use assets
Jaringan Fiber Optik, aset hak guna Fiber Optic Network, right of use assets
Infrastruktur Telekomunikasi, aset hak guna Telecommunication Infrastructure, right of use assets
Peralatan Teknikal, aset hak guna Technical Equipment, right of use assets
Lainnya, aset hak guna 11,225 8,180 ( 10,897 ) 8,508 Others, right of use assets
Aset hak guna 33,765 20,859 ( 25,824 ) 28,800 Right of use assets
Bangunan, dalam penyelesaian Building, assets under construction
Mesin dan alat berat, dalam penyelesaian Machinery and heavy equipment, assets under
construction
Menara telekomunikasi, dalam penyelesaian BTS Tower, assets under construction
Jaringan Fiber Optik, dalam penyelesaian Fiber Optic Network, assets under construction
Infrastruktur Telekomunikasi, dalam Telecommunication Infrastructure, assets under
penyelesaian construction
Peralatan Teknikal, dalam penyelesaian Technical Equipment, assets under construction
Lainnya, dalam penyelesaian Others, assets under construction
Aset dalam penyelesaian Assets under construction
Aset tetap 412,385 60,661 ( 48,250 ) 424,796 Property, plant, and equipment
Aset tetap Property, plant, and equipment
Aset tetap [baris komponen]
Aset tetap Penambahan aset tetap Pengurangan aset tetap Reklasifikasi aset tetap Penjabaran laporan keuangan aset tetap Entitas anak baru aset tetap Revaluasi aset tetap Penurunan (pemulihan) nilai aset tetap Aset tetap
Nilai perolehan Aset tetap 781,079 748,082 Property, plant, and equipment Carrying amount
Page 35
[4611000_BD] Notes to the financial statements - Property, Plant, and Equipement (breakdown) - Financial and Sharia Industry - Prior Year
Aset tetap Property, plant, and equipment
Aset tetap [baris komponen]
Penambahan aset Pengurangan aset Reklasifikasi aset Penjabaran laporan keuangan aset Entitas anak baru aset Revaluasi aset Penurunan (pemulihan) nilai aset
Aset tetap Aset tetap
tetap tetap tetap tetap tetap tetap tetap
Nilai perolehan, Tanah, dimiliki langsung 432,990 ( 18,217 ) 414,773 Land, directly owned Carrying amount, gross
kotor Bangunan dan fasilitasnya, dimiliki langsung 479,640 ( 7,697 ) 471,943 Building and leasehold improvement, directly owned
Mesin dan peralatan, dimiliki langsung Machinery and equipment, directly owned
Alat berat, dimiliki langsung Heavy equipment, directly owned
Alat pengangkutan, dimiliki langsung Transportation equipment, directly owned
Perabot dan peralatan kantor, dimiliki 126,509 13,470 ( 5,016 ) ( 13 ) 134,950 Furniture and office equipment, directly owned
langsung
Kendaraan bermotor, dimiliki langsung 67,067 84 ( 10,452 ) 56,699 Motor vehicle, directly owned
Pesawat, dimiliki langsung Aircraft, directly owned
Kapal, dimiliki langsung Vessels, directly owned
Menara telekomunikasi, dimiliki langsung BTS Tower, directly owned
Jaringan Fiber Optik, dimiliki langsung Fiber Optic Network, directly owned
Infrastruktur Telekomunikasi, dimiliki Telecommunication Infrastructure, directly owned
langsung
Peralatan Teknikal, dimiliki langsung Technical Equipment, directly owned
Lainnya, dimiliki langsung 25,074 2,394 ( 1,458 ) 13 26,023 Others, directly owned
Dimiliki langsung 1,131,280 15,948 ( 42,840 ) 1,104,388 Directly owned
Mesin, aset hak guna Machinery, right of use assets
Alat pengangkutan, aset hak guna Transportation equipment, right of use assets
Alat berat, aset hak guna Heavy equipment, right of use assets
Bangunan, aset hak guna 51,287 20,349 ( 20,350 ) 51,286 Building, right of use assets
Perabot dan peralatan kantor, aset hak guna Furniture and office equipment, rights of use assets
Kendaraan bermotor, aset hak guna 4,824 4,096 ( 3,768 ) 5,152 Motor vehicle, rights of use assets
Pesawat, aset hak guna Aircraft, right of use assets
Kapal, aset hak guna Vessels, right of use assets
Menara telekomunikasi, aset hak guna BTS Tower, right of use assets
Jaringan Fiber Optik, aset hak guna Fiber Optic Network, right of use assets
Infrastruktur Telekomunikasi, aset hak guna Telecommunication Infrastructure, right of use assets
Peralatan Teknikal, aset hak guna Technical Equipment, right of use assets
Lainnya, aset hak guna 14,721 19,664 ( 5,338 ) 29,047 Others, right of use assets
Aset hak guna 70,832 44,109 ( 29,456 ) 85,485 Right of use assets
Bangunan, dalam penyelesaian 4,311 6,394 ( 7,114 ) 3,591 Building, assets under construction
Mesin dan alat berat, dalam penyelesaian Machinery and heavy equipment, assets under
construction
Menara telekomunikasi, dalam penyelesaian BTS Tower, assets under construction
Jaringan Fiber Optik, dalam penyelesaian Fiber Optic Network, assets under construction
Infrastruktur Telekomunikasi, dalam Telecommunication Infrastructure, assets under
penyelesaian construction
Peralatan Teknikal, dalam penyelesaian Technical Equipment, assets under construction
Lainnya, dalam penyelesaian Others, assets under construction
Aset dalam penyelesaian 4,311 6,394 ( 7,114 ) 3,591 Assets under construction
Aset tetap 1,206,423 66,451 ( 72,296 ) ( 7,114 ) 1,193,464 Property, plant, and equipment
Akumulasi Tanah, dimiliki langsung Land, directly owned Carrying amount, accumulated
Page 36
depresiasi Bangunan dan fasilitasnya, dimiliki langsung 156,761 28,716 ( 4,424 ) 181,053 Building and leasehold improvement, directly owned depreciation
Mesin dan peralatan, dimiliki langsung Machinery and equipment, directly owned
Alat berat, dimiliki langsung Heavy equipment, directly owned
Alat pengangkutan, dimiliki langsung Transportation equipment, directly owned
Perabot dan peralatan kantor, dimiliki 113,431 8,734 ( 5,008 ) 13 117,144 Furniture and office equipment, directly owned
langsung
Kendaraan bermotor, dimiliki langsung 66,267 668 ( 10,384 ) 56,551 Motor vehicle, directly owned
Pesawat, dimiliki langsung Aircraft, directly owned
Kapal, dimiliki langsung Vessels, directly owned
Menara telekomunikasi, dimiliki langsung BTS Tower, directly owned
Jaringan Fiber Optik, dimiliki langsung Fiber Optic Network, directly owned
Infrastruktur Telekomunikasi, dimiliki Telecommunication Infrastructure, directly owned
langsung
Peralatan Teknikal, dimiliki langsung Technical Equipment, directly owned
Lainnya, dimiliki langsung 24,441 876 ( 1,458 ) ( 13 ) 23,872 Others, directly owned
Dimiliki langsung 360,900 38,994 ( 21,274 ) 378,620 Directly owned
Mesin, aset hak guna Machinery, right of use assets
Alat pengangkutan, aset hak guna Transportation equipment, right of use assets
Alat berat, aset hak guna Heavy equipment, right of use assets
Bangunan, aset hak guna 29,642 11,378 ( 20,350 ) 20,670 Building, right of use assets
Perabot dan peralatan kantor, aset hak guna Furniture and office equipment, rights of use assets
Kendaraan bermotor, aset hak guna 4,030 1,608 ( 3,768 ) 1,870 Motor vehicle, rights of use assets
Pesawat, aset hak guna Aircraft, right of use assets
Kapal, aset hak guna Vessels, right of use assets
Menara telekomunikasi, aset hak guna BTS Tower, right of use assets
Jaringan Fiber Optik, aset hak guna Fiber Optic Network, right of use assets
Infrastruktur Telekomunikasi, aset hak guna Telecommunication Infrastructure, right of use assets
Peralatan Teknikal, aset hak guna Technical Equipment, right of use assets
Lainnya, aset hak guna 9,526 7,037 ( 5,338 ) 11,225 Others, right of use assets
Aset hak guna 43,198 20,023 ( 29,456 ) 33,765 Right of use assets
Bangunan, dalam penyelesaian Building, assets under construction
Mesin dan alat berat, dalam penyelesaian Machinery and heavy equipment, assets under
construction
Menara telekomunikasi, dalam penyelesaian BTS Tower, assets under construction
Jaringan Fiber Optik, dalam penyelesaian Fiber Optic Network, assets under construction
Infrastruktur Telekomunikasi, dalam Telecommunication Infrastructure, assets under
penyelesaian construction
Peralatan Teknikal, dalam penyelesaian Technical Equipment, assets under construction
Lainnya, dalam penyelesaian Others, assets under construction
Aset dalam penyelesaian Assets under construction
Aset tetap 404,098 59,017 ( 50,730 ) 412,385 Property, plant, and equipment
Aset tetap Property, plant, and equipment
Aset tetap [baris komponen]
Aset tetap Penambahan aset tetap Pengurangan aset tetap Reklasifikasi aset tetap Penjabaran laporan keuangan aset tetap Entitas anak baru aset tetap Revaluasi aset tetap Penurunan (pemulihan) nilai aset tetap Aset tetap
Nilai perolehan Aset tetap 802,325 781,079 Property, plant, and equipment Carrying amount
Page 37
[4611100] Disclosure of Notes to the financial statements - Property, Plant and Equipment - Financial and Sharia Industry
Pengungkapan Disclosure
31 December 2025
Pengungkapan Disclosure
Pengungkapan catatan atas aset tetap Aset tetap Bank, kecuali tanah, prasarana, dan inventaris kantor diasuransikan pada perusahaan Disclosure of notes for property, plant
asuransi yaitu PT Asuransi Bina Dana Arta dan PT Asuransi Central Asia (pihak ketiga) All fixed and equipment
assets, except for land, leasehold improvements, and office equipment are insured with insurance
company PT Asuransi Bina Dana Arta and PT Asuransi Central Asia (third parties)
Page 38
[4621100_BD] Notes to the financial statements - Current Accounts and Wadiah Demand deposits (breakdown) - Financial and Sharia Industry
31 December 2025 31 December 2024
Giro dan giro wadiah Current accounts and wadiah demand Giro dan giro wadiah Current accounts and wadiah demand
deposits deposits
Giro Pihak Rupiah 58,414 Rupiah Related Current accounts Giro Pihak Rupiah 2,519 Rupiah Related Current accounts
berelasi Mata uang asing 147 Foreign parties berelasi Mata uang asing 15 Foreign parties
currencies currencies
Subjumlah Seluruh 58,561 Subtotal on all Subjumlah Seluruh 2,534 Subtotal on all
Mata Uang Currencies Mata Uang Currencies
Pihak Rupiah 3,446,307 Rupiah Third Pihak Rupiah 2,482,671 Rupiah Third
ketiga Mata uang asing 1,565,762 Foreign parties ketiga Mata uang asing 1,524,666 Foreign parties
currencies currencies
Subjumlah Seluruh 5,012,069 Subtotal on all Subjumlah Seluruh 4,007,337 Subtotal on all
Mata Uang Currencies Mata Uang Currencies
Giro Pihak Rupiah Rupiah Related Wadiah demand Giro Pihak Rupiah Rupiah Related Wadiah demand
wadiah berelasi Mata uang asing Foreign parties deposits wadiah berelasi Mata uang asing Foreign parties deposits
currencies currencies
Subjumlah Seluruh Subtotal on all Subjumlah Seluruh Subtotal on all
Mata Uang Currencies Mata Uang Currencies
Pihak Rupiah Rupiah Third Pihak Rupiah Rupiah Third
ketiga Mata uang asing Foreign parties ketiga Mata uang asing Foreign parties
currencies currencies
Subjumlah Seluruh Subtotal on all Subjumlah Seluruh Subtotal on all
Mata Uang Currencies Mata Uang Currencies
31 December 2025 31 December 2024
Giro dan giro wadiah Current accounts and wadiah demand Giro dan giro wadiah Current accounts and wadiah demand
deposits deposits
Giro Subjumlah Subjumlah Seluruh 5,070,630 Subtotal on all Subtotal on Current Giro Subjumlah Subjumlah Seluruh 4,009,871 Subtotal on all Subtotal on Current
Seluruh Pihak Mata Uang Currencies all Parties accounts Seluruh Pihak Mata Uang Currencies all Parties accounts
Giro Subjumlah Subjumlah Seluruh Subtotal on all Subtotal on Wadiah Giro Subjumlah Subjumlah Seluruh Subtotal on all Subtotal on Wadiah
Page 39
wadiah Seluruh Pihak Mata Uang Currencies all Parties demand wadiah Seluruh Pihak Mata Uang Currencies all Parties demand
deposits deposits
Page 40
[4622100_BD] Notes to the financial statements - Savings Deposits and Wadiah Savings Deposits (breakdown) - Financial and Sharia Industry
31 December 2025 31 December 2024
Tabungan dan tabungan Savings deposits and wadiah savings Tabungan dan tabungan Savings deposits and wadiah savings
wadiah deposits wadiah deposits
Tabungan Pihak Rupiah 4,053 Rupiah Related Savings Tabungan Pihak Rupiah 6,587 Rupiah Related Savings
berelasi Mata uang asing 81 Foreign parties deposits berelasi Mata uang asing 40 Foreign parties deposits
currencies currencies
Subjumlah 4,134 Subtotal on all Subjumlah 6,627 Subtotal on all
Seluruh Mata Currencies Seluruh Mata Currencies
Uang Uang
Pihak Rupiah 1,658,794 Rupiah Third Pihak Rupiah 1,052,705 Rupiah Third
ketiga Mata uang asing 205,825 Foreign parties ketiga Mata uang asing 104,917 Foreign parties
currencies currencies
Subjumlah 1,864,619 Subtotal on all Subjumlah 1,157,622 Subtotal on all
Seluruh Mata Currencies Seluruh Mata Currencies
Uang Uang
Tabungan Pihak Rupiah Rupiah Related Wadiah Tabungan Pihak Rupiah Rupiah Related Wadiah
wadiah berelasi Mata uang asing Foreign parties savings wadiah berelasi Mata uang asing Foreign parties savings
currencies deposits currencies deposits
Subjumlah Subtotal on all Subjumlah Subtotal on all
Seluruh Mata Currencies Seluruh Mata Currencies
Uang Uang
Pihak Rupiah Rupiah Third Pihak Rupiah Rupiah Third
ketiga Mata uang asing Foreign parties ketiga Mata uang asing Foreign parties
currencies currencies
Subjumlah Subtotal on all Subjumlah Subtotal on all
Seluruh Mata Currencies Seluruh Mata Currencies
Uang Uang
31 December 2025 31 December 2024
Tabungan dan tabungan wadiah Savings deposits and wadiah Tabungan dan tabungan wadiah Savings deposits and wadiah
Page 41
savings deposits savings deposits
Tabungan Subjumlah Subjumlah 1,868,753 Subtotal on Subtotal Savings Tabungan Subjumlah Subjumlah 1,164,249 Subtotal on Subtotal Savings
Seluruh Seluruh Mata all on all deposits Seluruh Seluruh Mata all on all deposits
Pihak Uang Currencies Parties Pihak Uang Currencies Parties
Tabungan Subjumlah Subjumlah Subtotal on Subtotal Wadiah Tabungan Subjumlah Subjumlah Subtotal on Subtotal Wadiah
wadiah Seluruh Seluruh Mata all on all savings wadiah Seluruh Seluruh Mata all on all savings
Pihak Uang Currencies Parties deposits Pihak Uang Currencies Parties deposits
Page 42
[4623100_BD] Notes to the financial statements - Time deposits and Wakalah deposits (breakdown) - Financial and Sharia Industry
31 December 2025 31 December 2024
Deposito berjangka dan Time deposits and wakalah Deposito berjangka dan Time deposits and wakalah
deposito wakalah deposits deposito wakalah deposits
Deposito Pihak Rupiah 8,320 Rupiah Related Time Deposito Pihak Rupiah 9,135 Rupiah Related Time
berjangka berelasi Mata uang asing 218 Foreign parties deposits berjangka berelasi Mata uang asing 33 Foreign parties deposits
currencies currencies
Subjumlah Seluruh 8,538 Subtotal on all Subjumlah Seluruh 9,168 Subtotal on all
Mata Uang Currencies Mata Uang Currencies
Pihak Rupiah 15,045,079 Rupiah Third Pihak Rupiah 11,095,978 Rupiah Third
ketiga Mata uang asing 6,673,012 Foreign parties ketiga Mata uang asing 7,078,207 Foreign parties
currencies currencies
Subjumlah Seluruh 21,718,091 Subtotal on all Subjumlah Seluruh 18,174,185 Subtotal on all
Mata Uang Currencies Mata Uang Currencies
Deposito Pihak Rupiah Rupiah Related Wakalah Deposito Pihak Rupiah Rupiah Related Wakalah
wakalah berelasi Mata uang asing Foreign parties deposits wakalah berelasi Mata uang asing Foreign parties deposits
currencies currencies
Subjumlah Seluruh Subtotal on all Subjumlah Seluruh Subtotal on all
Mata Uang Currencies Mata Uang Currencies
Pihak Rupiah Rupiah Third Pihak Rupiah Rupiah Third
ketiga Mata uang asing Foreign parties ketiga Mata uang asing Foreign parties
currencies currencies
Subjumlah Seluruh Subtotal on all Subjumlah Seluruh Subtotal on all
Mata Uang Currencies Mata Uang Currencies
31 December 2025 31 December 2024
Deposito berjangka dan Time deposits and wakalah Deposito berjangka dan Time deposits and wakalah
deposito wakalah deposits deposito wakalah deposits
Deposito Subjumlah Subjumlah 21,726,629 Subtotal on Subtotal Time Deposito Subjumlah Subjumlah 18,183,353 Subtotal on Subtotal Time
berjangka Seluruh Seluruh Mata all on all deposits berjangka Seluruh Seluruh Mata all on all deposits
Page 43
Pihak Uang Currencies Parties Pihak Uang Currencies Parties
Deposito Subjumlah Subjumlah Subtotal on Subtotal Wakalah Deposito Subjumlah Subjumlah Subtotal on Subtotal Wakalah
wakalah Seluruh Seluruh Mata all on all deposits wakalah Seluruh Seluruh Mata all on all deposits
Pihak Uang Currencies Parties Pihak Uang Currencies Parties
Page 44
[4624100] Notes to the financial statements - Annual average interest rate Third Party Funds - Financial and Sharia Industry
31 December 2025 31 December 2024
Tingkat bunga rata-rata per tahun Annual average interest rate Tingkat bunga rata-rata per tahun Annual average interest rate
dana pihak ketiga third party funds dana pihak ketiga third party funds
Tingkat bunga giro Rupiah 1,80 Rupiah Current accounts Tingkat bunga giro Rupiah 1,80 Rupiah Current accounts
Mata uang asing 2,03 Foreign interest rate Mata uang asing 2,04 Foreign interest rate
currencies currencies
Subjumlah Seluruh 3,83 Subtotal on all Subjumlah Seluruh 3,84 Subtotal on all
Mata Uang Currencies Mata Uang Currencies
Imbal hasil giro wadiah Rupiah Rupiah Wadiah demand Imbal hasil giro wadiah Rupiah Rupiah Wadiah demand
Mata uang asing Foreign deposits return Mata uang asing Foreign deposits return
currencies currencies
Subjumlah Seluruh Subtotal on all Subjumlah Seluruh Subtotal on all
Mata Uang Currencies Mata Uang Currencies
Tingkat bunga Rupiah 1,81 Rupiah Savings deposits Tingkat bunga Rupiah 1,81 Rupiah Savings deposits
tabungan Mata uang asing 1,96 Foreign interest rate tabungan Mata uang asing 1,96 Foreign interest rate
currencies currencies
Subjumlah Seluruh 3,77 Subtotal on all Subjumlah Seluruh 3,77 Subtotal on all
Mata Uang Currencies Mata Uang Currencies
Imbal hasil tabungan Rupiah Rupiah Wadiah savings Imbal hasil tabungan Rupiah Rupiah Wadiah savings
wadiah Mata uang asing Foreign deposits return wadiah Mata uang asing Foreign deposits return
currencies currencies
Subjumlah Seluruh Subtotal on all Subjumlah Seluruh Subtotal on all
Mata Uang Currencies Mata Uang Currencies
Tingkat bunga deposito Rupiah 5,09 Rupiah Time deposits Tingkat bunga deposito Rupiah 5,09 Rupiah Time deposits
berjangka Mata uang asing 4,47 Foreign interest rate berjangka Mata uang asing 4,47 Foreign interest rate
currencies currencies
Subjumlah Seluruh 9,56 Subtotal on all Subjumlah Seluruh 9,56 Subtotal on all
Mata Uang Currencies Mata Uang Currencies
Imbal hasil deposito Rupiah Rupiah Wakalah deposits Imbal hasil deposito Rupiah Rupiah Wakalah deposits
wakalah Mata uang asing Foreign return wakalah Mata uang asing Foreign return
currencies currencies
Subjumlah Seluruh Subtotal on all Subjumlah Seluruh Subtotal on all
Mata Uang Currencies Mata Uang Currencies
Page 45
Page 46
[4624110] Disclosure of Notes to the financial statements - Third Party Funds - Financial and Sharia Industry
Pengungkapan Disclosure
31 December 2025
Pengungkapan Disclosure
Pengungkapan catatan atas dana pihak ketiga Berdasarkan Peraturan Pemerintah No. 66 Tahun 2008 tanggal 13 Oktober 2008 tentang Besaran Nilai Disclosure of notes for third party
Simpanan yang Dijamin LPS yang disempurnakan melalui PLPS No. 1 Tahun 2023 tentang Program funds
Penjaminan Simpanan, bahwa saldo yang dijamin untuk satu nasabah pada satu Bank adalah paling
tinggi Rp2.000.000.000 (nilai penuh). Based on Government Regulation No. 66 Year 2008 dated
October 13, 2008 regarding The Amount of Deposit Value Guaranteed by IDIC amended through IDIC
Regulation No. 1 Year 2023 regarding Deposit Insurance Program, which stated the guaranteed
balance for each customer in each bank is at most Rp2,000,000,000 (full amount)
Names mentioned 21 people and organisations named in the text · linked when the evidence is strong
unresolved
org
Bank Indonesia
p.1 ×19
unresolved
org
PT Bank China Construction Bank
p.2
unresolved
org
Indonesia Tbk
p.2
unresolved
org
Foreign Corporation
p.2
unresolved
org
Purwanto Susanti
p.3 ×2
unresolved
org
Bank Indonesia Giro
p.4
unresolved
org
Bank Giro
p.11
unresolved
org
Bapepam-LK
p.29 ×4
unresolved
org
Multicor Tbk
p.29 ×2
unresolved
org
Menteri Hukum dan Hak Asasi Manusia Republik Indonesia
p.29
unresolved
org
PT Bank Antardaerah. Akuisisi
p.30
unresolved
org
PT Bank Antardaerah The Bank
p.30
unresolved
org
Bank Multicor Tbk
p.30 ×2
unresolved
org
Ministry of Laws and Human Rights
p.30 ×2
unresolved
org
PT Bank Antardaerah.
p.30
unresolved
org
PT Bank Antardaerah Penentuan
p.30
unresolved
org
Menkumham No. AHU-AH.
p.31
unresolved
person
Notary Eliwaty Tjitra SH
· Notaris
p.31 ×2
Extraction attempts how the parser did, and what it refused
Nothing structured was extracted from this document — the attempts below say why.
No extraction attempted yet.
Other files in this announcement 7
CHECKLIST 2025.pdf
done
FinancialStatement-2025-Tahunan-MCOR.xlsx
done
inlineXBRL.zip
done
instance.zip
done