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4. Publikasi LK BTPS FY2025 Audited.pdf
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Publikasi FY 2025 – PT Bank BTPN Syariah Tbk (11 Februari 2026)
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LAPORANAPORAN KEUANGAN
KEUANGAN
PT BANKPTBTPN SYARIAH
BANK BTPN SYAR
31 u 2025
AH TBK Tbk
31 Desember 2025
W W W W
Individual Konsolidasi Individual Konsolidasi
I Modal Inti (Tier 1)
PENDAPATAN DAN BEBAN OPERASIONAL
A. Pendapatan dan Beban Operasional dari Penyaluran Dana 770.370 770.370 770.346 770.346
1. Kas 628.080 592.911 628.080 592.911 1. Pendapatan Penyaluran Dana 5.208.912 5.386.038 5.219.244 5.398.377
2. Penempatan pada Bank Indonesia 1.478.241 1.669.329 1.478.241 1.669.329
3. Penempatan pada bank lain 6.156 2.195 264.048 251.956 4.559.651 4.816.480 4.559.651 4.816.480
4. - - - - - - - - - - - -
5. Surat berharga yang dimiliki 9.888.599 8.849.141 9.892.649 8.901.904 - - - - 305 305 335 335
6. - - - - - - - - 13.053 13.053 13.053 13.053
7. Tagihan akseptasi - - - - - - - -
8. Piutang 880.996 880.996 880.356 880.356
9.189.373 9.641.128 9.189.373 9.641.128 - - - - 165.000 165.000 145.000 145.000
- - - - 34.564 13.330 34.564 13.330 6.842.745 6.851.040 6.360.097 6.379.838
- - - - - - - - 1.249.265 1.201.231 1.072.722 1.061.276
97 64 97 64 - - - - - - - -
- - - - 614.697 556.228 625.029 568.567 - - - -
9. Pembiayaan bagi hasil 2. Bagi hasil untuk pemilik dana investasi -/- (490.577) (504.115) (488.984) (504.104) - - - -
200.000 - 200.000 - (490.577) (504.115) (488.984) (504.104) - - - -
963.285 530.567 963.285 530.567 - - - -
- - - - 3. Pendapatan Setelah Distribusi Bagi Hasil 4.718.335 4.881.923 4.730.260 4.894.273
10. Pembiayaan sewa - - - - B. Pendapatan dan Beban Operasional Selain dari Penyaluran Dana 1.2.2.1.1 Selisih kurang penjabaran laporan keuangan - - - -
11. Penyertaan modal 297.000 297.000 - - 1. Keuntungan/kerugian dari peningkatan/penurunan nilai wajar aset keuangan - - - - 1.2.2.1.2 Potensi kerugian dari penurunan nilai wajar aset keuangan yang diukur pada nilai wajar melalui penghasilan komprehensif lain - - - -
12. Aset keuangan lainnya 218.557 249.534 218.557 249.534 2. Keuntungan/kerugian dari penurunan/peningkatan nilai wajar liabilitas keuangan - - - -
13. Cadangan kerugian penurunan nilai aset keuangan -/- (881.472) (924.274) (881.472) (924.274) 3. Keuntungan/kerugian penjualan aset keuangan - - - - - - - -
14. Salam - - - - 4. Keuntungan/kerugian transaksi spot dan forward (realised) - - - - - - - -
15. - - - - 5. - - - - - - - -
- - - - 6. Keuntungan/kerugian penjabaran transaksi valuta asing - - 1.919 3.650 - - - -
16. Persediaan - - - - 7. - - - - - - - -
17. Aset tidak berwujud 184.444 212.953 184.444 212.953 8. Dividen - - - - - - - -
18. Aset tetap dan inventaris 334.367 335.042 334.367 335.055 9. 1.735 1.470 1.734 1.470
19. Aset nonproduktif 10. Pendapatan lainnya 37.942 69.536 37.942 69.536
- - - - 11. (262) (316) (262) (316) (215.562) (215.562) (221.330) (226.709)
- - - - 12. (826.295) (1.359.766) (826.295) (1.359.766) - - - -
- - - - 13. Kerugian terkait risiko operasional -/- (5.016) (7.357) (5.016) (7.357) (184.444) (184.444) (212.953) (212.953)
- - - - 14. Beban (pemulihan) kerugian penurunan nilai aset lainnya (non keuangan) -/- - - - - (297.000) - (297.000) -
20. Aset lainnya 279.407 281.066 279.407 286.453 15. Beban tenaga kerja -/- (1.508.964) (1.417.015) (1.512.756) (1.418.952) - - - -
16. Beban promosi -/- (10.214) (9.980) (10.215) (9.983) - - - -
17. Beban lainnya -/- (798.086) (790.297) (800.652) (790.969)
TOTAL ASET 22.786.134 21.736.656 22.751.076 21.747.580 (3.109.160) (3.513.725) (3.113.601) (3.512.687) - - - -
1.609.175 1.368.198 1.616.659 1.381.586
PENDAPATAN/ BEBAN NON OPERASIONAL - - - -
LIABILITAS DAN EKUITAS 1. Keuntungan/ kerugian penjualan aset tetap dan inventaris 4.935 4.157 4.931 4.157 - - - -
LIABILITAS 2. Pendapatan/ beban non operasional lainnya (4.635) (1.593) (55.271) (32.547)
1. 300 2.564 (50.340) (28.390) - - - -
42.562 6.792 42.562 6.792 LABA/ RUGI TAHUN BERJALAN SEBELUM PAJAK 1.609.475 1.370.762 1.566.319 1.353.196 II Modal Pelengkap (Tier 2)
2.237.025 2.118.289 2.237.024 2.118.289 - - - -
2. (358.278) (247.880) (358.278) (247.880) - - - -
- - - - (1.932) (50.160) (7.311) (44.156) 92.191 92.887 96.653 97.937
886.855 977.118 886.635 976.622 LABA/ RUGI BERSIH TAHUN BERJALAN 1.249.265 1.072.722 1.200.730 1.061.160 - - - -
9.043.116 8.622.730 9.043.116 8.622.730 LABA/ RUGI KEPENTINGAN MINORITAS (501) (116)
3. Uang elektronik - - - - PENGHASILAN KOMPREHENSIF LAIN - - - -
4. Liabilitas kepada Bank Indonesia - - - - 1. Pos-pos yang tidak akan direklasifikasi ke laba rugi - - - -
5. Liabilitas kepada bank lain - - - - - 7.814 - 7.814 TOTAL MODAL 9.316.919 9.574.876 8.607.279 8.908.479
6. - - - - 13.627 9.474 13.627 9.474
7. Surat berharga diterbitkan - 200.000 - 200.000 - - - -
8. Liabilitas akseptasi - - - - 2. Pos-pos yang akan direklasifikasi ke laba rugi Individual Konsolidasi Individual Konsolidasi Individual Konsolidasi Individual Konsolidasi
9. Pembiayaan diterima - - - - - - - - ASET TERTIMBANG MENURUT RISIKO
10. Setoran jaminan - - - - (30) 192 (30) 192 6.986.132 6.991.842 7.458.828 7.562.848 55,64% 57,18% 51,13% 52,58%
11. Liabilitas antar kantor - - - - - - - - 55,64% 57,18% 51,13% 52,58%
12. Liabilitas lainnya 577.837 506.441 580.227 506.553 - - - - 9.593.236 9.590.539 9.185.583 9.194.553 0,56% 0,56% 0,58% 0,58%
13. - - - - 13.597 17.480 13.597 17.480 16.579.368 16.582.381 16.644.411 16.757.401 56,20% 57,74% 51,71% 53,16%
14. 2.512 3.013 TOTAL LABA/ RUGI KOMPREHENSIF TAHUN BERJALAN 1.262.862 1.090.202 1.214.327 1.078.640
TOTAL LIABILITAS 12.787.395 12.431.370 12.792.076 12.433.999
1.249.265 1.072.722 1.201.231 1.061.276 8,63% 8,63% 8,63% 8,63% 2,50% 2,50% 2,50% 2,50%
EKUITAS - - (501) (116) 0,00% 0,00% 0,00% 0,00% 0,00% 0,00% 0,00% 0,00%
1.249.265 1.072.722 1.200.730 1.061.160 0,56% 0,56% 0,58% 0,58% 0,00% 0,00% 0,00% 0,00%
15. Modal disetor
2.750.000 2.750.000 2.750.000 2.750.000 1.262.862 1.090.202 1.214.828 1.078.756
(1.979.630) (1.979.630) (1.979.630) (1.979.630) - - (501) (116)
- (24) - (24) 1.262.862 1.090.202 1.214.327 1.078.640
16. Tambahan modal disetor DIVIDEN (570.074) (540.397) (570.074) (540.397)
842.785 842.145 842.785 842.145 LABA BERSIH PER SAHAM 162 139 156 138
- - - -
- - - - 1. Penempatan pada bank lain
M M W
- - - - 2.
20.916 20.916 20.916 20.916 3. Surat berharga dimiliki
17. Penghasilan komprehensif lain 4. Tagihan akseptasi
69.447 55.849 69.447 55.849 5.
- - - - I. TAGIHAN KOMITMEN 6.
18. Cadangan - - - - 7. Piutang multijasa
165.000 145.000 165.000 145.000 - - - - 8.
- - - - - - - - 9. Piutang Sewa
19. Laba / rugi II. KEWAJIBAN KOMITMEN 10.
7.451.030 6.938.705 7.459.325 6.958.446 11.
1.249.265 1.072.722 1.201.231 1.061.276 - - - - 12. Pembiayaan lainnya
(570.074) (540.397) (570.074) (540.397) 170.000 170.028 170.000 170.028 13. Penyertaan modal
9.998.739 9.305.286 9.959.000 9.313.581 - - - - 14. Komitmen dan Kontinjensi
9.998.739 9.305.286 9.959.000 9.313.581 - - - -
TOTAL LIABILITAS DAN EKUITAS 22.786.134 21.736.656 22.751.076 21.747.580 - - - -
- - - -
37.911 54.744 37.911 54.744
- - - - A. Terkait dengan Nilai Tukar
- - - - 1. Spot
5.250.221 5.389.245 - - - - 2. Forward
(488.838) (507.229) - - - - 3. Lainnya
3.651 8.073 - - - - B. Lainnya
43.967 87.903 IV. KEWAJIBAN KONTINJENSI JUMLAH
(1.530.126) (1.424.259) - - - -
(1.409.414) (2.162.915) - - - -
(4.643) (1.595)
(346.370) (265.322)
W
1.518.448 1.123.901
451.755 1.726.534
(200.000) - 1. Kewajiban Penyediaan Modal Minimum (KPMM) 56,20% 51,71%
(432.718) (510.898) 2. Aset produktif bermasalah dan aset non produktif bermasalah terhadap total aset produktif dan aset non produktif 1,23% 1,88% 2.
(33) 466 3. Aset produktif bermasalah terhadap total aset produktif 1,23% 1,88%
(34.082) (22.099) 4. Cadangan Kerugian Penurunan Nilai (CKPN) aset keuangan terhadap aset produktif 4,04% 4,55%
5. 2,59% 3,75% 3.
(6.804) (6.382) 6. 0,02% 0,03%
154.505 (96.916) 7. 7,34% 6,42%
6.501 (47.598) 8. 13,92% 13,28% 4.
9. 22,71% 24,30%
330.399 (321.468) 10. 7,55% 6,46%
1.787.971 1.845.540 11. Beban Operasional terhadap Pendapatan Operasional (BOPO) 69,34% 74,93%
12. 48,81% 44,92%
5.077 4.360 13. Pembiayaan bagi hasil terhadap total pembiayaan 11,24% 5,22%
(89.653) (81.062) 14. 84,79% 86,75%
Pembelian aset tak berwujud (37.653) (62.244) - 1 Bulan
Pembelian surat berharga (7.271.694) (7.595.904) - 3 Bulan
Penjualan surat berharga 6.407.831 5.613.377 1. a. Persentase Pelanggaran BMPD - 6 Bulan
Arus kas bersih digunakan untuk aktivitas investasi (986.092) (2.121.473) - 12 Bulan
ARUS KAS DARI AKTIVITAS PENDANAAN 0,00% 0,00% 5. Pembiayaan Diterima
Penerbitan surat berharga yang diterbitkan - 200.000 ii. Pihak Tidak Terkait 0,00% 0,00% Jumlah
Pembayaran surat berharga yang diterbitkan (200.000) -
Pembayaran dividen (555.690) (525.231)
Pembayaran pajak dividen (14.384) (15.166)
Arus kas bersih digunakan untuk aktivitas pendanaan (770.074) (340.397) 0,00% 0,00%
KENAIKAN (PENURUNAN) BERSIH KAS DAN SETARA KAS 31.805 (616.330) 0,00% 0,00% 1. Liabilitas Kepada Bank Lain
KAS DAN SETARA KAS AWAL TAHUN 3.644.385 4.260.715 2.
KAS DAN SETARA KAS AKHIR TAHUN 3.676.190 3.644.385
Kas dan setara kas akhir tahun terdiri dari:
Kas 628.080 592.911 3.
Giro pada Bank Indonesia 205.731 669.329 0,00% 0,00%
Giro pada bank-bank lain 7.148 4.956 6,69% 5,86%
Penempatan pada Bank Indonesia 1.272.510 1.000.000 4. Piutang Multijasa
Penempatan pada bank-bank lain 256.900 247.000 0,00% 0,00%
1.305.821 1.130.189 3. 0,00% 0,00%
5. Pembiayaan Gadai
6.
L DPK KL D DPK KL D M JUMLAH 7.
I. PIHAK TERKAIT
1. Penempatan pada bank lain
5.418 - - - - - - - 1.281 8. Pembiayaan Sewa
- - - - - - - - -
2.
- - - - - - - - - 9. Pembiayaan Lainnya
- - - - - - - - -
3. Surat berharga dimiliki
- - - - - - - - - Jumlah
- - - - - - - - -
4. Tagihan akseptasi - - - - - - - - -
5. Pembiayaan berbasis piutang dan sewa
- - - - - - - - -
- - - - - - - - - 1. Liabilitas Kepada Bank Lain
2.
- - - - - - - - -
- - - - - - - - -
3.
- - - - - - - - -
- - - - - - - - -
6. Pembiayaan bagi hasil 4.
- - - - - - - - -
- - - - - - - - -
- - - - - - - - -
- - - - - - - - -
- - - -
- - - - - - - - -
7. Penyertaan modal 297.000 - - - - - - - 297.000
8. Komitmen dan kontinjensi 5. Pembiayaan Diterima
- - - - - - - - - Jumlah
- - - - - - - - -
II PIHAK TIDAK TERKAIT
1. Penempatan pada bank lain
- - - - - - - -
Page 3
STATEMENTAPORANOF FINANCIAL
KEUANGAN
PT BANKPTBTPN SYARIAH
BANK BTPN SYAR
31 u 2025
AH TBK Tbk
31 December 2025
INDIVIDUAL CONSOLIDATION INDIVIDUAL CONSOLIDATION
I Core Capital (Tier 1)
OPERATING INCOME AND EXPENSES
770.370 770.370 770.346 770.346
1. Cash 628.080 592.911 628.080 592.911 1. 5.208.912 5.386.038 5.219.244 5.398.377
2. Placements with Bank Indonesia 1.478.241 1.669.329 1.478.241 1.669.329
3. Placements with other Banks 6.156 2.195 264.048 251.956 4.559.651 4.816.480 4.559.651 4.816.480
4. Spot and forward receivables - - - - - - - - - - - -
5. Investments in marketable securities 9.888.599 8.849.141 9.892.649 8.901.904 - - - - 305 305 335 335
6. Securities purchased under resale agreements (reverse repo) - - - - - - - - 13.053 13.053 13.053 13.053
7. Acceptance receivables - - - - - - - -
8. Receivables 880.996 880.996 880.356 880.356
9.189.373 9.641.128 9.189.373 9.641.128 - - - - 165.000 165.000 145.000 145.000
- - - - 34.564 13.330 34.564 13.330 6.842.745 6.851.040 6.360.097 6.379.838
- - - - - - - - 1.249.265 1.201.231 1.072.722 1.061.276
97 64 97 64 - - - - - - - -
- - - - 614.697 556.228 625.029 568.567 - - - -
9. Profit sharing financing 2. Profit Sharing for Investors -/- (490.577) (504.115) (488.984) (504.104) - - - -
200.000 - 200.000 - (490.577) (504.115) (488.984) (504.104) - - - -
963.285 530.567 963.285 530.567 - - - -
- - - - 3. 4.718.335 4.881.923 4.730.260 4.894.273
10. - - - - 1.2.2.1.1 Negative adjustment due to financial statement translation - - - -
11. Investment in share 297.000 297.000 - - 1. Gain/Loss from increase/decrease in fair value of financial assets - - - - 1.2.2.1.2 Potential losses due to impairment of fair value of financial assets classified as fair value through other comprehensive income - - - -
12. Other financial assets 218.557 249.534 218.557 249.534 2. Gain/Loss from decrease/increase in fair value of financial liabilities - - - -
13. Allowance for impairment on financial assets -/- (881.472) (924.274) (881.472) (924.274) 3. Gain/Loss on sale of financial assets - - - - - - - -
14. Salam - - - - 4. Gain/Loss on spot and forward transactions (realised) - - - - - - - -
15. Istishna' assets in progress - - - - 5. Gain/Loss on investment under equity method - - - - - - - -
Istishna' term -/- - - - - 6. Gain/Loss on foreign exchange translation - - 1.919 3.650 - - - -
16. Inventory - - - - 7. - - - - - - - -
17. Intangible assets 184.444 212.953 184.444 212.953 8. Dividend Income - - - - - - - -
18. Fixed assets and equipments 334.367 335.042 334.367 335.055 9. Commission/provision/fees and administration income 1.735 1.470 1.734 1.470
19. Non earning assets 10. Other income 37.942 69.536 37.942 69.536
- - - - 11. (262) (316) (262) (316) (215.562) (215.562) (221.330) (226.709)
- - - - 12. Impairment for financial asset -/- (826.295) (1.359.766) (826.295) (1.359.766) - - - -
- - - - 13. Losses related to operational risks -/- (5.016) (7.357) (5.016) (7.357) (184.444) (184.444) (212.953) (212.953)
- - - - 14. Impairment for non financial assets -/- - - - - (297.000) - (297.000) -
20. Other assets 279.407 281.066 279.407 286.453 15. Salaries and employee benefits -/- (1.508.964) (1.417.015) (1.512.756) (1.418.952) - - - -
16. Promotion Expenses -/- (10.214) (9.980) (10.215) (9.983) - - - -
17. Other Expenses -/- (798.086) (790.297) (800.652) (790.969)
TOTAL ASSETS 22.786.134 21.736.656 22.751.076 21.747.580 (3.109.160) (3.513.725) (3.113.601) (3.512.687) - - - -
1.609.175 1.368.198 1.616.659 1.381.586 2 Additional Tier 1 (AT 1)
NON-OPERATING INCOME/ EXPENSES - - - -
LIABILITIES AND EQUITIES 1. Gain/Loss from sale of fixed assets and equipment 4.935 4.157 4.931 4.157 - - - -
LIABILITIES 2. Other non-operating income/expenses (4.635) (1.593) (55.271) (32.547)
1. 300 2.564 (50.340) (28.390) - - - -
42.562 6.792 42.562 6.792 CURRENT YEAR PROFIT/LOSS BEFORE TAX 1.609.475 1.370.762 1.566.319 1.353.196 II Supplemental Capital (Tier 2)
2.237.025 2.118.289 2.237.024 2.118.289 - - - -
2. (358.278) (247.880) (358.278) (247.880) - - - -
- - - - (1.932) (50.160) (7.311) (44.156) 92.191 92.887 96.653 97.937
886.855 977.118 886.635 976.622 CURRENT YEAR NET PROFIT/LOSS 1.249.265 1.072.722 1.200.730 1.061.160 - - - -
9.043.116 8.622.730 9.043.116 8.622.730 MINORITY INTEREST PROFIT/LOSS (501) (116)
3. Electronic Money - - - - OTHER COMPREHENSIVE INCOME - - - -
4. Liabilities to Bank Indonesia - - - - 1. Items that will not be reclassified to profit or loss - - - -
5. Liabilities to Other Banks - - - - - 7.814 - 7.814 TOTAL CAPITAL 9.316.919 9.574.876 8.607.279 8.908.479
6. Spot and forward payables - - - - 13.627 9.474 13.627 9.474
7. Marketable securities issued - 200.000 - 200.000 - - - -
8. Acceptance liabilities - - - - 2. Items that will be reclassified to profit or loss INDIVIDUAL CONSOLIDATION INDIVIDUAL CONSOLIDATION INDIVIDUAL CONSOLIDATION INDIVIDUAL CONSOLIDATION
9. Fund Borrowings - - - - - - - -
10. Guarantee deposit - - - - (30) 192 (30) 192 6.986.132 6.991.842 7.458.828 7.562.848 CET 1 Ratio (%) 55,64% 57,18% 51,13% 52,58%
11. Inter-office liabilities - - - - - - - - - - - - 55,64% 57,18% 51,13% 52,58%
12. Other liabilities 577.837 506.441 580.227 506.553 9.593.236 9.590.539 9.185.583 9.194.553 0,56% 0,56% 0,58% 0,58%
13. Profit sharing investment funds - - - - 13.597 17.480 13.597 17.480 16.579.368 16.582.381 16.644.411 16.757.401 56,20% 57,74% 51,71% 53,16%
14. Minority interest 2.512 3.013 TOTAL OTHER COMPREHENSIVE INCOME FOR THE YEAR 1.262.862 1.090.202 1.214.327 1.078.640
TOTAL LIABILITIES 12.787.395 12.431.370 12.792.076 12.433.999
1.249.265 1.072.722 1.201.231 1.061.276 8,63% 8,63% 8,63% 8,63% 2,50% 2,50% 2,50% 2,50%
EQUITIES - - (501) (116) 0,00% 0,00% 0,00% 0,00% 0,00% 0,00% 0,00% 0,00%
1.249.265 1.072.722 1.200.730 1.061.160 0,56% 0,56% 0,58% 0,58% 0,00% 0,00% 0,00% 0,00%
15. Share capital
2.750.000 2.750.000 2.750.000 2.750.000 1.262.862 1.090.202 1.214.828 1.078.756
(1.979.630) (1.979.630) (1.979.630) (1.979.630) - - (501) (116)
- (24) - (24) 1.262.862 1.090.202 1.214.327 1.078.640
16. Additional paid-in capital DIVIDEND (570.074) (540.397) (570.074) (540.397)
842.785 842.145 842.785 842.145 EARNINGS PER SHARE (in Rupiah) 162 139 156 138
- - - -
- - - - 1. Placements with other banks
- - - - 2. Spot and forward receivables
20.916 20.916 20.916 20.916 3. Securities
17. Other comprehensive income 4. Acceptance receivables
69.447 55.849 69.447 55.849 5.
- - - - I. COMMITMENT RECEIVABLES 6.
18. Reserve - - - - 7.
165.000 145.000 165.000 145.000 - - - - 8.
- - - - - - - - 9.
19. Profit / Loss II. COMMITMENT PAYABLES 10.
7.451.030 6.938.705 7.459.325 6.958.446 11.
1.249.265 1.072.722 1.201.231 1.061.276 - - - - 12. Other financing
(570.074) (540.397) (570.074) (540.397) 170.000 170.028 170.000 170.028 13. Investments in shares
9.998.739 9.305.286 9.959.000 9.313.581 - - - - 14. Commitments and contingencies
9.998.739 9.305.286 9.959.000 9.313.581 - - - -
TOTAL LIABILITIES AND EQUITIES 22.786.134 21.736.656 22.751.076 21.747.580 - - - -
- - - -
W
37.911 54.744 37.911 54.744
- - - - A. Exchange Rate Related
- - - - 1. Spot
5.250.221 5.389.245 - - - - 2. Forward
(488.838) (507.229) - - - - 3. Others
Receipts of administrative income 3.651 8.073 3. - - - - B. Others
43.967 87.903 IV. CONTINGENT LIABILITIES TOTAL
(1.530.126) (1.424.259) - - - -
(1.409.414) (2.162.915) - - - -
(4.643) (1.595)
(346.370) (265.322)
M
1.518.448 1.123.901
451.755 1.726.534
(200.000) - 1. Capital Adequacy Ratio (CAR) 56,20% 51,71% 1. Liabilities to other banks
(432.718) (510.898) 2. Non performing earning assets and non earning assets to total earning assets and non earning assets 1,23% 1,88% 2.
(33) 466 3. Non performing earning assets to total earning assets 1,23% 1,88%
(34.082) (22.099) 4. Allowance for impairment on financial assets to earning assets 4,04% 4,55%
5. Non Performing Financing (NPF) gross 2,59% 3,75% 3.
(6.804) (6.382) 6. Non Performing Financing (NPF) net 0,02% 0,03%
154.505 (96.916) 7. Return On Assets (ROA) 7,34% 6,42%
6.501 (47.598) 8. Return On Equity (ROE) 13,92% 13,28% 4.
9. Net Interest (NI) 22,71% 24,30%
330.399 (321.468) 10. Net Operating Margin (NOM) 7,55% 6,46%
1.787.971 1.845.540 11. Operating Expenses to Operating Income (BOPO) 69,34% 74,93%
12. Cost to Income Ratio (CIR) 48,81% 44,92%
5.077 4.360 13. Profit sharing financing to total financing 11,24% 5,22%
(89.653) (81.062) 14. Financing to Deposit Ratio (FDR) 84,79% 86,75%
Purchase of intangible assets (37.653) (62.244) - 1 Month
Purchase of marketable securities (7.271.694) (7.595.904) - 3 Month
Sale of marketable securities 6.407.831 5.613.377 1. a. Percentage violation of Legal Lending Limit (LLL) - 6 Month
Net cash flows used in investing activities (986.092) (2.121.473) - 12 Month
CASH FLOWS FROM FINANCING ACTIVITIES 0,00% 0,00% 5. Marketable securities issued
Issuance of securities issued - 200.000 ii. Non related parties 0,00% 0,00%
Payments of securities issued (200.000) -
Payments of dividend (555.690) (525.231)
Payments of tax on dividend (14.384) (15.166)
Net cash flows used in financing activities (770.074) (340.397) 0,00% 0,00%
NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTSCASH EQUIVALENTS 31.805 (616.330) 0,00% 0,00% 1. Placements with other banks
CASH AND CASH EQUIVALENTS AT BEGINNING OF THE YEAR 3.644.385 4.260.715 2.
CASH AND CASH EQUIVALENTS AT END OF THE YEAR 3.676.190 3.644.385
Cash and cash equivalents consist of:
Cash 628.080 592.911 6,69% 5,86% 3.
Current accounts with Bank Indonesia 205.731 669.329 0,00% 0,00%
Current accounts with other banks 7.148 4.956 6,69% 5,86%
Placements with Bank Indonesia 1.272.510 1.000.000 4.
Placements with other banks 256.900 247.000 0,00% 0,00%
1.305.821 1.130.189 3. 0,00% 0,00%
5.
6.
Current Special Mention Sub Standard Doubtful Special Mention Sub Standard Doubtful Loss Total 7.
I. RELATED PARTIES
1. Placements with other banks
5.418 - - - - - - - 1.281 8.
- - - - - - - - -
2. Spot and forward receivables
- - - - - - - - - 9. Other financing
- - - - - - - - -
3. Securities
- - - - - - - - -
- - - - - - - - -
4. Acceptance receivables - - - - - - - - -
5.
- - - - - - - - -
- - - - - - - - - 1. Liabilities to other banks
2.
- - - - - - - - -
- - - - - - - - -
3.
- - - - - - - - -
- - - - - - - - -
6. Profit sharing financing 4.
- - - - - - - - -
- - - - - - - - -
- - - - - - - - -
- - - - - - - - -
- - - -
- - - - - - - - -
7. Investment in share 297.000 - - -
Names mentioned 4 people and organisations named in the text · linked when the evidence is strong
unresolved
org
PT BANKPTBTPN
p.2 ×2
unresolved
org
AH TBK
p.2 ×2
unresolved
org
Bank Indonesia
p.2 ×8
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