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Nomor Surat 065/593/DIR/AMK/SRT
Nama Emiten Bank Pembangunan Daerah Jawa Timur Tbk
Kode Emiten BJTM
Perihal Penyampaian Laporan Keuangan Interim Yang Tidak Diaudit
Perseroan dengan ini menyampaikan laporan keuangan untuk periode 6 Bulan yang berakhir pada 30/06/2026 dengan ikhtisar sebagai berikut :
Informasi mengenai anak perusahaan Perseroan sebagai berikut :
Dokumen ini merupakan dokumen resmi Bank Pembangunan Daerah Jawa Timur Tbk yang tidak memerlukan tanda tangan karena dihasilkan
secara elektronik. Bank Pembangunan Daerah Jawa Timur Tbk bertanggung jawab penuh atas informasi tertera di dalam dokumen ini.
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[1000000] General information
Informasi umum General information
30 June 2026
Informasi umum General information
Nama entitas Bank Pembangunan Daerah Jawa Timur Entity name
Tbk
Penjelasan perubahan nama Explanation of change in
dari akhir periode laporan name from the end of the
sebelumnya preceding reporting period
Kode entitas BJTM Entity code
Nomor identifikasi entitas AA619 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 Indonesian Government Controlling shareholder
pengendali information
Jenis entitas Local Company - Indonesia Jurisdiction Type of entity
Jenis efek yang dicatatkan Saham dan Obligasi / Stock and Bond 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 grup / Group entity Whether the financial
keuangan satu entitas atau statements are of an
suatu kelompok entitas individual entity or a group of
entities
Periode penyampaian Kuartal II / Second Quarter Period of financial
laporan keuangan statements submissions
Tanggal Surat Pernyataan July 30, 2026 Date Of Board Of Directors'
Direksi Statement Letter
Tanggal awal periode January 01, 2026 Current period start date
berjalan
Tanggal akhir periode June 30, 2026 Current period end date
berjalan
Tanggal akhir tahun December 31, 2025 Prior year end date
sebelumnya
Tanggal awal periode January 01, 2025 Prior period start date
sebelumnya
Tanggal akhir periode June 30, 2025 Prior period end date
sebelumnya
Tanggal akhir 2 tahun December 31, 2024 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 Tidak Diaudit / Unaudit Type of report on financial
keuangan statements
Jenis opini auditor Type of auditor's opinion
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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 Date of auditor's opinion or
hasil laporan review result of review report
Auditor tahun berjalan Current year auditor
Nama partner audit tahun Name of current year audit
berjalan signing partner
Lama tahun penugasan Number of years served as
partner yang audit signing partner
menandatangani
Auditor tahun sebelumnya Prior year auditor
Nama partner audit tahun 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.
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[4220000] Statement of financial position presented using order of liquidity -
Financial and Sharia Industry
Laporan posisi keuangan Statement of financial position
30 June 2026 31 December 2025
Laporan posisi keuangan Statement of financial position
Aset Assets
Kas 3,470,842 4,347,459 Cash
Dana yang dibatasi Restricted funds
penggunaannya
Giro pada Bank Indonesia 5,974,399 6,620,239 Current accounts with Bank
Indonesia
Giro pada bank lain Current accounts with
other banks
Giro pada bank lain 643,492 675,483 Current accounts with
pihak ketiga other banks third parties
Giro pada bank lain Current accounts with
pihak berelasi other banks related
parties
Cadangan kerugian ( 174 ) ( 176 ) 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 8,524,190 8,552,865 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 ( 1,040 ) ( 380 ) 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 26,169,337 28,107,297 Marketable securities
diperdagangkan pihak third parties
ketiga
Efek-efek yang Marketable securities
diperdagangkan pihak related parties
berelasi
Cadangan kerugian ( 210 ) ( 253 ) Allowance for impairment
penurunan nilai pada losses for marketable
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efek-efek yang securities
diperdagangkan
Investasi pemegang polis Investments of policyholder
pada kontrak unit-linked in unit-linked contracts
Efek yang dibeli dengan 3,082,957 7,630,818 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 Acceptance receivables
pihak ketiga third parties
Tagihan akseptasi Acceptance receivables
pihak berelasi related parties
Cadangan kerugian Allowance for impairment
penurunan nilai pada losses for acceptance
tagihan akseptasi receivables
Tagihan derivatif Derivative receivables
Tagihan derivatif pihak 23 2,165 Derivative receivables
ketiga third parties
Tagihan derivatif pihak Derivative receivables
berelasi related parties
Pinjaman yang Loans
diberikan
Pinjaman yang 95,352,024 94,878,634 Loans third parties
diberikan pihak ketiga
Pinjaman yang 661,813 683,442 Loans related parties
diberikan pihak
berelasi
Cadangan kerugian ( 3,559,218 ) ( 3,316,584 ) 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 2,965,203 3,076,460 Murabahah receivables
pihak ketiga third parties
Piutang murabahah 10,132 8,200 Murabahah receivables
pihak berelasi related parties
Cadangan kerugian ( 59,304 ) ( 54,317 ) Allowance for impairment
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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 1,373 1,152 Ijarah receivables third ketiga parties Piutang ijarah pihak 19 48 Ijarah receivables related berelasi parties Cadangan kerugian (7) ( 11 ) 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 109,546 86,121 Qardh funds third parties ketiga Pinjaman qardh pihak 0 0 Qardh funds related berelasi parties Cadangan kerugian ( 1,095 ) ( 863 ) Allowance for impairment penurunan nilai pada losses for qardh funds pinjaman qardh Pembiayaan Mudharabah financing mudharabah Pembiayaan 35,474 37,811 Mudharabah financing mudharabah pihak third parties ketiga Pembiayaan 0 0 Mudharabah financing mudharabah pihak related parties berelasi Cadangan kerugian ( 647 ) ( 2,074 ) Allowance for impairment penurunan nilai pada losses for mudharabah pembiayaan financing mudharabah Pembiayaan Musyarakah financing musyarakah Pembiayaan 12,140,987 11,718,689 Musyarakah financing musyarakah pihak third parties ketiga Pembiayaan 11,671 12,063 Musyarakah financing musyarakah pihak related parties berelasi Cadangan kerugian ( 362,746 ) ( 339,788 ) Allowance for impairment penurunan nilai pada losses for musyarakah
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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 759,751 339,468 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 1,105,178 1,119,602 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 278,009 196,491 Prepaid expenses
Jaminan Guarantees
Pajak dibayar dimuka Prepaid taxes
Klaim atas pengembalian Claims for tax refund
pajak
Aset pajak tangguhan 508,959 409,157 Deferred tax assets
Investasi yang dicatat Investments accounted for
dengan menggunakan using equity method
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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 Goodwill
Aset takberwujud selain 430,135 422,232 Intangible assets other than
goodwill goodwill
Properti investasi Investment properties
Aset ijarah Ijarah assets
Aset tetap 2,958,907 3,014,005 Property, plant, and
equipment
Aset hak guna Right of use assets
Aset pengampunan pajak Tax amnesty assets
Agunan yang diambil alih Foreclosed assets
Aset lainnya 847,171 629,388 Other assets
Jumlah aset 162,057,151 168,854,843 Total assets
Liabilitas, dana syirkah Liabilities, temporary syirkah
temporer dan ekuitas funds and equity
Liabilitas Liabilities
Liabilitas segera 1,582,560 1,390,263 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 14,688,717 13,275,718 Current accounts
ketiga third parties
Giro pihak 10,391,936 13,678,270 Current accounts
berelasi related parties
Giro wadiah Wadiah demand
deposits
Giro wadiah 166,723 222,220 Wadiah demand
pihak ketiga deposits third
parties
Giro wadiah 0 0 Wadiah demand
pihak berelasi deposits related
parties
Tabungan Savings
Tabungan 37,803,220 39,463,381 Savings third
pihak ketiga parties
Tabungan 83,826 76,252 Savings related
pihak berelasi parties
Tabungan wadiah Wadiah savings
Tabungan 314,409 260,223 Wadiah savings
wadiah pihak third parties
ketiga
Tabungan 223 39 Wadiah savings
wadiah pihak related parties
berelasi
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Deposito Time deposits
berjangka
Deposito 32,454,988 42,664,711 Time deposits
berjangka pihak third parties
ketiga
Deposito 9,057,615 303,439 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 37,950 Other banks deposits
bank lain pihak related parties
berelasi
Simpanan dari 3,077,837 4,028,150 Other banks deposits
bank lain pihak third parties
ketiga
Efek yang dijual 7,216,754 3,518,805 Securities sold with
dengan janji untuk repurchase agreement
dibeli kembali
Liabilitas derivatif Derivative payables
Liabilitas derivatif 10,952 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 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 3,453,206 5,914,822 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
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Efek yang diterbitkan Securities issued
Utang obligasi Bonds payable
Sukuk Sukuk
Obligasi Subordinated bonds
subordinasi
Surat utang jangka Medium term notes
menengah
Efek yang 2,218,699 1,968,253 Others securities
diterbitkan lainnya issued
Liabilitas kontrak Insurance contract
asuransi liabilities
Utang perusahaan Securities company
efek payables
Provisi 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 404,863 648,437 Accrued expenses
Utang pajak 198,497 160,684 Taxes payable
Liabilitas pajak Deferred tax liabilities
tangguhan
Liabilitas Tax amnesty liabilities
pengampunan pajak
Liabilitas lainnya 1,650,348 1,326,931 Other liabilities
Kewajiban imbalan Post-employment benefit
pasca kerja obligations
Pinjaman Subordinated loans
subordinasi
Pinjaman Subordinated loans
subordinasi pihak third parties
ketiga
Pinjaman Subordinated loans
subordinasi pihak related parties
berelasi
Jumlah liabilitas 124,813,323 128,900,598 Total liabilities
Dana syirkah temporer Temporary syirkah funds
Bukan bank Non-banks
Giro mudharabah Mudharabah current
account
Giro 391,332 421,429 Mudharabah
mudharabah current account
pihak ketiga third parties
Giro berjangka 2,726,731 2,812,873 Mudharabah
mudharabah current account
pihak berelasi related parties
Tabungan Mudharabah saving
mudharabah deposits
Tabungan 4,136,777 4,579,672 Mudharabah
mudharabah saving deposits
pihak ketiga third parties
Tabungan 7,704 4,966 Mudharabah
mudharabah saving deposits
pihak berelasi related parties
Deposito Mudharabah time
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berjangka deposits
mudharabah
Deposito 7,477,308 9,481,861 Mudharabah time
berjangka deposits third
mudharabah parties
pihak ketiga
Deposito 723,285 3,999 Mudharabah time
berjangka deposits related
mudharabah parties
pihak berelasi
Bank Bank
Giro mudharabah 3,513 8,716 Mudharabah current
account
Tabungan 122,596 124,782 Mudharabah saving
mudharabah deposits (ummat)
(ummat)
Deposito berjangka 9,995 16,645 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 15,599,241 17,454,943 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 3,753,875 3,753,875 Common stocks
Saham preferen Preferred stocks
Tambahan modal 532,734 532,734 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
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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 450,105 922,641 Other components of
lainnya equity
Saldo laba Retained earnings
(akumulasi (deficit)
kerugian)
Saldo laba Appropriated
yang telah retained
ditentukan earnings
penggunaanya
Cadangan 7,596,582 6,901,072 General and
umum dan legal reserves
wajib
Cadangan Specific
khusus reserves
Saldo laba 729,615 1,546,120 Unappropriated
yang belum retained earnings
ditentukan
penggunaannya
Jumlah ekuitas 13,062,911 13,656,442 Total equity
yang attributable to
diatribusikan equity owners of
kepada pemilik parent entity
entitas induk
Proforma ekuitas Proforma equity
Kepentingan 8,581,676 8,842,860 Non-controlling interests
non-pengendali
Jumlah ekuitas 21,644,587 22,499,302 Total equity
Jumlah liabilitas, dana 162,057,151 168,854,843 Total liabilities, temporary
syirkah temporer dan syirkah funds and equity
ekuitas
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[4322000] Statement of profit or loss and other comprehensive income, OCI
components presented before tax, by nature - Financial and Sharia Industry
Laporan laba rugi dan penghasilan Statement of profit or loss and other
komprehensif lain comprehensive income
30 June 2026 30 June 2025
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 6,564,507 4,768,348 Interest income
Beban bunga ( 1,636,297 ) ( 1,206,776 ) Interest expenses
Pendapatan 156,822 168,962 Revenue from fund
pengelolaan dana oleh management as
bank sebagai mudharib
mudharib
Hak pihak ketiga atas ( 311,340 ) ( 296,265 ) Third parties share on
bagi hasil dana return of temporary
syirkah temporer syirkah funds
Pendapatan asuransi Insurance income
Pendapatan dari Revenue from
premi asuransi insurance
premiums
Premi reasuransi Reinsurance
premiums
Premi retrosesi Retrocession
premiums
Penurunan Decrease
(kenaikan) premi (increase) in
yang belum unearned
merupakan premiums
pendapatan
Penurunan Decrease
(kenaikan) (increase) in
pendapatan premi premium income
disesikan kepada ceded to
reasuradur reinsurancer
Pendapatan komisi Insurance
asuransi commission
income
Pendapatan bersih Net investment
investasi income
Penerimaan ujrah Ujrah received
Pendapatan Other insurance
asuransi lainnya income
Beban asuransi Insurance expenses
Beban klaim Claim expenses
Klaim reasuransi Reinsurance
claims
Klaim retrosesi Retrocession
claims
Kenaikan Increase
(penurunan) (decrease) in
estimasi liabilitas estimated claims
klaim liability
Kenaikan Increase
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(penurunan) (decrease) in
liabilitas manfaat liability for future
polis masa depan policy benefit
Kenaikan Increase
(penurunan) provisi (decrease) in
yang timbul dari provision for
tes kecukupan losses arising from
liabilitas liability adequacy
test
Kenaikan Increase
(penurunan) (decrease) in
liabilitas asuransi insurance liabilities
yang disesikan ceded to
kepada reasuradur reinsurers
Kenaikan Increase
(penurunan) (decrease) in
liabilitas pemegang liabilities to
polis pada kontrak policyholder in
unit-linked unit-linked
contracts
Beban komisi Insurance
asuransi commission
expenses
Ujrah dibayar Ujrah paid
Beban akuisisi dari Acquisition costs
kontrak asuransi of insurance
contracts
Beban asuransi Other insurance
lainnya expenses
Pendapatan dari Financing income
pembiayaan
Pendapatan dari Revenue from
pembiayaan consumer
konsumen financing
Pendapatan dari Revenue from
sewa pembiayaan finance lease
Pendapatan dari Revenue from
sewa operasi operating lease
Pendapatan dari Revenue from
anjak piutang factoring
Pendapatan Securities income
sekuritas
Pendapatan Revenue from
kegiatan penjamin underwriting
emisi dan activities and
penjualan efek selling fees
Pendapatan Revenue from
pembiayaan financing
transaksi nasabah transactions
Pendapatan jasa Revenue from
biro administrasi securities
efek administration
service
Pendapatan Revenue from
kegiatan jasa investment
manajer investasi management
services
Pendapatan Revenue from
kegiatan jasa financial advisory
penasehat services
keuangan
Page 15
Keuntungan Realised gains
(kerugian) dari (losses) on trading
transaksi of marketable
perdagangan efek securities
yang telah
direalisasi
Keuntungan Gains (losses) on
(kerugian) changes in fair
perubahan nilai value of
wajar efek marketable
securities
Pendapatan Other operating
operasional lainnya income
Pendapatan Investments
investasi income
Pendapatan provisi 64,191 42,165 Provisions and
dan komisi dari commissions
transaksi lainnya income from
selain kredit transactions other
than loan
Pendapatan Revenue from
transaksi trading
perdagangan transactions
Pendapatan Dividends income
dividen
Keuntungan Realised gains
(kerugian) yang (losses) from
telah direalisasi derivative
atas instrumen instruments
derivatif
Penerimaan 123,015 67,554 Revenue from
kembali aset yang recovery of
telah written-off assets
dihapusbukukan
Keuntungan Gains (losses) on
(kerugian) selisih changes in foreign
kurs mata uang exchange rates
asing
Keuntungan Gains (losses) on
(kerugian) disposal of
pelepasan aset property and
tetap equipment
Keuntungan Gains (losses) on
(kerugian) disposal of
pelepasan agunan foreclosed assets
yang diambil alih
Pendapatan 526,143 503,688 Other operating
operasional lainnya income
Pemulihan Recovery of
penyisihan kerugian impairment loss
penurunan nilai
Pemulihan Recovery of
penyisihan impairment loss of
kerugian financial assets
penurunan nilai
aset keuangan
Pemulihan Recovery of
penyisihan impairment loss of
kerugian financial assets
penurunan nilai finance lease
aset keuangan -
sewa pembiayaan
Page 16
Pemulihan Recovery of
penyisihan impairment loss of
kerugian financial assets
penurunan nilai consumer
aset keuangan - financing
piutang receivables
pembiayaan
konsumen
Pemulihan Recovery of
penyisihan impairment loss of
kerugian non-financial
penurunan nilai assets
aset non-keuangan
Pemulihan Recovery of
penyisihan impairment loss of
kerugian non-financial
penurunan nilai assets
aset non-keuangan repossessed
- agunan yang collaterals
diambil alih
Pemulihan Recovery of
penyisihan estimated loss of
estimasi kerugian commitments and
atas komitmen dan contingency
kontinjensi
Pembentukan Allowances for
kerugian penurunan impairment losses
nilai
Pembentukan Allowances for
penyisihan impairment losses
kerugian on earnings assets
penurunan nilai
aset produktif
Pembentukan Allowances for
penyisihan impairment losses
kerugian on non-earnings
penurunan nilai assets
aset non-produktif
Pembalikan (beban) Reversal (expense) of
estimasi kerugian estimated losses on
komitmen dan commitments and
kontijensi contingencies
Beban operasional Other operating
lainnya expenses
Beban umum dan ( 1,071,016 ) ( 755,688 ) 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 ( 2,991,283 ) ( 2,211,238 ) Other operating
operasional expenses
lainnya
Jumlah laba 1,424,742 1,080,750 Total profit from
operasional operation
Pendapatan dan beban Non-operating income
bukan operasional and expense
Pendapatan bukan 213,013 51,286 Non-operating income
Page 17
operasional
Beban bukan ( 64,368 ) ( 73,598 ) Non-operating
operasional expenses
Bagian atas laba (rugi) Share of profit (loss)
entitas asosiasi yang of associates
dicatat dengan accounted for using
menggunakan metode equity method
ekuitas
Bagian atas laba (rugi) Share of profit (loss)
entitas ventura of joint ventures
bersama yang dicatat accounted for using
menggunakan metode equity method
ekuitas
Jumlah laba (rugi) 1,573,387 1,058,438 Total profit (loss)
sebelum pajak before tax
penghasilan
Pendapatan (beban) ( 328,371 ) ( 247,324 ) Tax benefit (expenses)
pajak
Jumlah laba (rugi) dari 1,245,016 811,114 Total profit (loss) from
operasi yang continuing operations
dilanjutkan
Laba (rugi) dari operasi Profit (loss) from
yang dihentikan discontinued operations
Jumlah laba (rugi) 1,245,016 811,114 Total profit (loss)
Pendapatan Other comprehensive
komprehensif lainnya, income, before tax
sebelum pajak
Pendapatan Other
komprehensif comprehensive
lainnya yang tidak income that will not
akan direklasifikasi be reclassified to
ke laba rugi, profit or loss, before
sebelum pajak tax
Pendapatan Other
komprehensif comprehensive
lainnya atas income for gains
keuntungan (losses) on
(kerugian) hasil revaluation of
revaluasi aset property and
tetap, sebelum equipment, before
pajak tax
Pendapatan 36,925 Other
komprehensif comprehensive
lainnya atas income for
pengukuran remeasurement of
kembali kewajiban defined benefit
manfaat pasti, obligation, before
sebelum pajak tax
Penyesuaian Other adjustments
lainnya atas to other
pendapatan comprehensive
komprehensif income that will
lainnya yang tidak not be reclassified
akan direklasifikasi to profit or loss,
ke laba rugi, before tax
sebelum pajak
Jumlah 36,925 Total other
pendapatan comprehensive
komprehensif income that will
lainnya yang tidak not be reclassified
to profit or loss,
before tax
Page 18
akan direklasifikasi
ke laba rugi,
sebelum pajak
Pendapatan Other
komprehensif comprehensive
lainnya yang akan income that may be
direklasifikasi ke reclassified to profit
laba rugi, sebelum or loss, before tax
pajak
Keuntungan Gains (losses) on
(kerugian) selisih exchange
kurs penjabaran, differences on
sebelum pajak translation, before
tax
Penyesuaian Reclassification
reklasifikasi selisih adjustments on
kurs penjabaran, exchange
sebelum pajak differences on
translation, before
tax
Keuntungan ( 578,333 ) 179,110 Unrealised gains
(kerugian) yang (losses) on
belum direalisasi changes in fair
atas perubahan value through
nilai wajar aset other
keuangan melalui comprehensive
penghasilan income, before tax
komprehensif lain,
sebelum pajak
Penyesuaian Reclassification
reklasifikasi atas adjustments on fair
aset keuangan nilai value through
wajar melalui other
pendapatan comprehensive
komprehensif income financial
lainnya, sebelum assets, before tax
pajak
Keuntungan Gains (losses) on
(kerugian) lindung cash flow hedges,
nilai arus kas, before tax
sebelum pajak
Penyesuaian Reclassification
reklasifikasi atas adjustments on
lindung nilai arus cash flow hedges,
kas, sebelum pajak before tax
Nilai tercatat dari Carrying amount
aset (liabilitas) of non-financial
non-keuangan asset (liability)
yang perolehan whose acquisition
atau or incurrence was
keterjadiannya hedged on highly
merupakan suatu probable forecast
prakiraan transaksi transaction,
yang kemungkinan adjusted from
besar terjadi yang equity, before tax
dilindung nilai,
sebelum pajak
Keuntungan Gains (losses) on
(kerugian) lindung hedges of net
nilai investasi investments in
bersih kegiatan foreign operations,
usaha luar negeri, before tax
sebelum pajak
Page 19
Penyesuaian Reclassification
reklasifikasi atas adjustments on
lindung nilai hedges of net
investasi bersih investments in
kegiatan usaha foreign operations,
luar negeri, before tax
sebelum pajak
Bagian Share of other
pendapatan comprehensive
komprehensif income of
lainnya dari entitas associates
asosiasi yang accounted for
dicatat dengan using equity
menggunakan method, before tax
metode ekuitas,
sebelum pajak
Bagian Share of other
pendapatan comprehensive
komprehensif income of joint
lainnya dari entitas ventures
ventura bersama accounted for
yang dicatat using equity
dengan method, before tax
menggunakan
metode ekuitas,
sebelum pajak
Penyesuaian Other adjustments
lainnya atas to other
pendapatan comprehensive
komprehensif income that may
lainnya yang akan be reclassified to
direklasifikasi ke profit or loss,
laba rugi, sebelum before tax
pajak
Jumlah ( 578,333 ) 179,110 Total other
pendapatan comprehensive
komprehensif income that may
lainnya yang akan be reclassified to
direklasifikasi ke profit or loss,
laba rugi, sebelum before tax
pajak
Jumlah pendapatan ( 578,333 ) 216,035 Total other
komprehensif lainnya, comprehensive
sebelum pajak income, before tax
Pajak atas pendapatan 105,642 ( 39,573 ) Tax on other
komprehensif lainnya comprehensive income
Jumlah pendapatan ( 472,691 ) 176,462 Total other
komprehensif lainnya, comprehensive income,
setelah pajak after tax
Jumlah laba rugi 772,325 987,576 Total comprehensive
komprehensif income
Laba (rugi) yang dapat Profit (loss) attributable
diatribusikan to
Laba (rugi) yang dapat 729,184 707,612 Profit (loss)
diatribusikan ke attributable to parent
entitas induk entity
Laba (rugi) yang dapat 515,832 103,502 Profit (loss)
diatribusikan ke attributable to
kepentingan non-controlling
non-pengendali interests
Laba rugi komprehensif Comprehensive income
yang dapat attributable to
diatribusikan
Page 20
Laba rugi 256,648 876,635 Comprehensive
komprehensif yang income attributable to
dapat diatribusikan ke parent entity
entitas induk
Laba rugi 515,677 110,941 Comprehensive
komprehensif yang income attributable to
dapat diatribusikan ke non-controlling
kepentingan interests
non-pengendali
Laba (rugi) per saham Earnings (loss) per
share
Laba per saham Basic earnings per
dasar diatribusikan share attributable to
kepada pemilik equity owners of the
entitas induk parent entity
Laba (rugi) per 48.56209204769022 0.000047130000000000004 Basic earnings
saham dasar dari (loss) per share
operasi yang from continuing
dilanjutkan operations
Laba (rugi) per Basic earnings
saham dasar dari (loss) per share
operasi yang from discontinued
dihentikan operations
Laba (rugi) per Diluted earnings
saham dilusian (loss) per share
Laba (rugi) per Diluted earnings
saham dilusian dari (loss) per share
operasi yang from continuing
dilanjutkan operations
Laba (rugi) per Diluted earnings
saham dilusian dari (loss) per share
operasi yang from discontinued
dihentikan operations
Page 21
[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 3,753,875 532,734 922,641 6,901,072 1,546,120 13,656,442 8,842,860 22,499,302 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 3,753,875 532,734 922,641 6,901,072 1,546,120 13,656,442 8,842,860 22,499,302 Equity position, beginning of the period
Laba (rugi) 729,184 729,184 515,832 1,245,016 Profit (loss)
Pendapatan komprehensif lainnya ( 472,536 ) ( 472,536 ) ( 155 ) ( 472,691 ) Other comprehensive income
Penjabaran laporan keuangan Translation adjustment
Pembentukan cadangan umum 695,510 ( 695,510 ) 0 Allocation for general reserves
Pembentukan cadangan khusus Allocation for specific reserves
Distribusi dividen kas Distributions of cash dividends
Distribusi dividen saham (0) (0) (0) 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 ( 472,536 ) ( 377,643 ) ( 850,179 ) ( 776,861 ) ( Other equity transactions
1,627,040
)
Posisi ekuitas, akhir periode 3,753,875 532,734 450,105 7,596,582 729,615 13,062,911 8,581,676 21,644,587 Equity position, end of the period
Page 22
[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 3,753,875 532,734 502,812 6,441,453 1,281,718 12,512,592 2,087,447 14,600,039 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 3,753,875 532,734 502,812 6,441,453 1,281,718 12,512,592 2,087,447 14,600,039 Equity position, beginning of the period
Laba (rugi) 707,612 707,612 103,502 811,114 Profit (loss)
Pendapatan komprehensif lainnya 169,023 169,023 7,439 176,462 Other comprehensive income
Penjabaran laporan keuangan Translation adjustment
Pembentukan cadangan umum 459,619 ( 459,619 ) Allocation for general reserves
Pembentukan cadangan khusus Allocation for specific reserves
Distribusi dividen kas Distributions of cash dividends
Distribusi dividen saham ( 821,497 ) ( 821,497 ) ( 821,497 ) 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 169,023 ( 169,023 ) 0 0 0 Other equity transactions
Posisi ekuitas, akhir periode 3,753,875 532,734 671,835 6,901,072 708,214 12,567,730 2,198,388 14,766,118 Equity position, end of the period
Page 23
[4510000] Statement of cash flows, direct method - Financial and Sharia
Industry
Laporan arus kas Statement of cash flows
30 June 2026 30 June 2025
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, 6,578,931 4,717,329 Interest, investment
hasil investasi, provisi, income, fees and
dan komisi commissions received
Pembayaran bunga ( 1,694,243 ) ( 1,196,049 ) 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 156,822 168,962 Revenue receipts from
pendapatan fund management as
pengelolaan dana mudharib
sebagai mudharib
Pembayaran bagi ( 311,340 ) ( 296,265 ) 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 590,207 388,776 Income from other
transaksi operasional operating transactions
lainnya
Penerimaan kembali 123,016 67,554 Recoveries of written
aset yang telah off assets
dihapusbukukan
Pembayaran biaya Payments for deferred
akuisisi ditangguhkan acquisition costs
Pembayaran atas ( 1,214,957 ) ( 734,229 ) Payments of finance
beban keuangan dan costs and bank
beban administrasi administration charges
Page 24
bank
Pembayaran gaji dan ( 2,147,620 ) ( 1,322,976 ) Payments for salaries
tunjangan and allowances
Pembayaran pajak Payments for
penghasilan badan corporate income tax
Pembayaran beban Payments for general
umum dan and administrative
administrasi expense
Laba (rugi) selisih kurs Foreign currency
gains (losses)
Penerimaan ( 302,470 ) ( 262,179 ) Refunds (payments)
pengembalian of income tax
(pembayaran) pajak
penghasilan
Pembayaran beban Payments for other
operasional lainnya operating expenses
Penerimaan 212,961 51,286 Receipts from
pendapatan non-operating income
non-operasional
Pengembalian Repayment
(penempatan) uang (placement) of
jaminan refundable deposits
Penerimaan ( 64,368 ) ( 73,598 ) 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) ( 3,930,807 ) 5,847,486 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) Decrease (increase) in
tagihan akseptasi acceptance
receivables
Penurunan (kenaikan) ( 16,635,033 ) ( 17,492,634 ) 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 25
dan pembiayaan and receivables
syariah
Penurunan 2,975,334 2,904,733 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 109,546 75,259 Decrease
(kenaikan) (increase) in qardh
pinjaman qardh funds
Penurunan 35,474 42,053 Decrease
(kenaikan) (increase) in
pembiayaan mudharabah
mudharabah financing
Penurunan 12,152,659 10,921,962 Decrease
(kenaikan) (increase) in
pembiayaan musyarakah
musyarakah financing
Penurunan 1,392 1,194 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) 2,142 1,140 Decrease (increase) in
tagihan derivatif derivative receivables
Penurunan (kenaikan) Decrease (increase) in
aset reasuransi reinsurance assets
Penurunan (kenaikan) 3,371,430 ( 93,299 ) Decrease (increase) in
aset lainnya other assets
Kenaikan (penurunan) Increase (decrease) in
liabilitas operasi operating liabilities
Kenaikan (penurunan) 192,296 142,697 Increase (decrease) in
liabilitas segera obligations due
immediately
Kenaikan (penurunan) ( 22,789,999 ) ( 973,472 ) Increase (decrease) in
giro dan tabungan current accounts and
simpanan nasabah customers savings
Kenaikan (penurunan) 0 Increase (decrease) in
deposito berjangka customers time
nasabah deposits
Kenaikan (penurunan) 166,722 130,668 Increase (decrease) in
giro wadiah simpanan customers wadiah
nasabah demand deposits
Kenaikan (penurunan) 314,633 224,734 Increase (decrease) in
tabungan wadiah customers wadiah
simpanan nasabah saving deposits
Kenaikan (penurunan) 0 Increase (decrease) in
deposito wakalah customers wakalah
simpanan nasabah deposits
Kenaikan (penurunan) ( 8,188,945 ) ( 3,605,570 ) Increase (decrease) in
simpanan dari bank other banks saving
lain deposits
Page 26
Kenaikan (penurunan) 3,118,063 2,484,703 Increase (decrease) in
giro mudharabah mudharabah current
account
Kenaikan (penurunan) 4,144,483 3,694,657 Increase (decrease) in
tabungan mudharabah mudharabah savings
deposits
Kenaikan (penurunan) 3,697,950 ( 7,347,508 ) Increase (decrease) in
efek yang dijual securities sold under
dengan janji dibeli repurchase agreement
kembali
Kenaikan (penurunan) 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) 10,952 45 Increase (decrease) in
liabilitas derivatif derivative payables
Kenaikan (penurunan) 15,484,385 2,202,313 Increase (decrease) in
dana syirkah temporer temporary syirkah
funds
Kenaikan (penurunan) 323,108 ( 111,603 ) Increase (decrease) in
liabilitas lainnya other liabilities
Jumlah arus kas bersih ( 3,517,276 ) 558,169 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 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 Proceeds from disposal
penjualan (perolehan) (acquisition) of
properti investasi investment properties
Penerimaan dari 54 ( 105,992 ) Proceeds from disposal
penjualan (perolehan) (acquisition) of property
aset tetap and equipment
Penerimaan dari ( 999 ) 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 27
(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) 5,823,347 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 ( 92,523 ) ( 4,074,271 ) Other cash inflows (pengeluaran) kas lainnya (outflows) from investing dari aktivitas investasi activities Jumlah arus kas bersih 5,730,878 ( 4,181,262 ) 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) 215,636 ( 195,005 ) 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 ( 2,461,617 ) 3,032,819 Proceeds from yang diterima borrowings Pembayaran pinjaman 227,062 Payments for borrowings yang diterima Penerimaan pinjaman Proceeds from subordinasi subordinated loans Pembayaran pinjaman 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 28
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 47,219 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 ( 1,598,272 ) ( 821,498 ) Dividends paid from
aktivitas pendanaan financing activities
Penerimaan 309 ( 9,585 ) Other cash inflows
(pengeluaran) kas lainnya (outflows) from financing
dari aktivitas pendanaan activities
Jumlah arus kas bersih ( 3,796,725 ) 2,233,793 Total net cash flows
yang diperoleh dari received from (used in)
(digunakan untuk) financing activities
aktivitas pendanaan
Jumlah kenaikan ( 1,583,123 ) ( 1,389,300 ) Total net increase
(penurunan) bersih kas (decrease) in cash and
dan setara kas cash equivalents
Kas dan setara kas arus kas, 20,196,046 13,036,881 Cash and cash equivalents
awal periode cash flows, beginning of the
period
Efek perubahan nilai kurs 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 18,612,923 11,647,581 Cash and cash equivalents
kas, akhir periode cash flows, end of the
period
Page 29
[4610000] Explanation for Significant Accounting Policy - Financial and Sharia Industry
Kebijakan akuntansi signifikan Significant accounting policies
30 June 2026
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 Cash and cash equivalents
Aset tetap Fixed assets
Penurunan nilai aset nonkeuangan Impairment of non-financial assets
Beban tangguhan Deferred charges
Pengakuan pendapatan dan beban Revenue and expense recognition
Penjabaran mata uang asing Foreign currency translation
Transaksi dengan pihak berelasi Transactions with related parties
Pajak penghasilan Income taxes
Pinjaman Borrowings
Provisi Provisions
Imbalan kerja karyawan Employee benefits
Laba per saham Earnings per share
Dividen Dividends
Pelaporan segmen Segment reporting
Instrumen keuangan derivatif Derivative financial instruments
Penerapan standar akutansi baru The implementation of new
statements of accounting standards
Kombinasi bisnis Business combination
Penentuan nilai wajar Determination of fair value
Transaksi dan saldo dalam mata uang asing Foreign currency transactions and
balances
Giro pada Bank Indonesia dan bank lain Current accounts with Bank
Indonesia and other banks
Penempatan pada Bank Indonesia dan bank lain Placements with Bank Indonesia and
other banks
Efek-efek Securities
Investasi jangka pendek Short-term investment
Aset hak guna Right of use assets
Properti investasi Investment properties
Goodwill Goodwill
Page 30
Investasi pada entitas asosiasi Investment in associates
Aset takberwujud Intangible assets
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 Deposits from customers and
deposits from other banks
Obligasi subordinasi Subordinated bonds
Efek-efek yang dibeli dengan janji dibeli kembali Securities purchased under resell
agreements
Saham treasuri Treasury stock
Modal saham Share capital
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
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 31
[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 1,711,762 0 (0) 1,711,762 Land, directly owned Carrying amount, gross
kotor Bangunan dan fasilitasnya, dimiliki langsung 1,092,613 188 (0) 1,092,801 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 1,315,803 33,195 (0) 1,348,998 Furniture and office equipment, directly owned
langsung
Kendaraan bermotor, dimiliki langsung 100,718 173 ( 17 ) 100,874 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 Others, directly owned
Dimiliki langsung 4,220,896 33,556 ( 17 ) 4,254,435 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 302,278 16,401 ( 12,712 ) 305,967 Building, right of use assets
Perabot dan peralatan kantor, aset hak guna 74,036 21,680 ( 4,090 ) 91,626 Furniture and office equipment, rights of use assets
Kendaraan bermotor, aset hak guna 82,966 17,855 ( 34,818 ) 66,003 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 24,805 295 (0) 25,100 Others, right of use assets
Aset hak guna 484,085 56,231 ( 51,620 ) 488,696 Right of use assets
Bangunan, dalam penyelesaian 78,520 18,970 ( 8,323 ) 89,167 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 78,520 18,970 ( 8,323 ) 89,167 Assets under construction
Aset tetap 4,783,501 108,757 ( 59,960 ) 4,832,298 Property, plant, and equipment
Akumulasi Tanah, dimiliki langsung Land, directly owned Carrying amount, accumulated
Page 32
depresiasi Bangunan dan fasilitasnya, dimiliki langsung 363,794 26,169 (0) 389,963 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 1,087,078 54,426 ( 3,090 ) 1,138,414 Furniture and office equipment, directly owned
langsung
Kendaraan bermotor, dimiliki langsung 66,361 5,486 (0) 71,847 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 Others, directly owned
Dimiliki langsung 1,517,233 86,081 ( 3,090 ) 1,600,224 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 134,584 31,041 ( 11,393 ) 154,232 Building, right of use assets
Perabot dan peralatan kantor, aset hak guna 49,654 23,592 ( 3,656 ) 69,590 Furniture and office equipment, rights of use assets
Kendaraan bermotor, aset hak guna 54,319 7,444 ( 29,166 ) 32,597 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 13,706 3,042 (0) 16,748 Others, right of use assets
Aset hak guna 252,263 65,119 ( 44,215 ) 273,167 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 1,769,496 151,200 ( 47,305 ) 1,873,391 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 3,014,005 2,958,907 Property, plant, and equipment Carrying amount
Page 33
[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 1,240,664 0 ( 14 ) 6,934 416,458 47,720 1,711,762 Land, directly owned Carrying amount, gross
kotor Bangunan dan fasilitasnya, dimiliki langsung 533,617 8,102 ( 778 ) 23,458 528,214 1,092,613 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 759,703 75,757 ( 7,987 ) 360 487,970 1,315,803 Furniture and office equipment, directly owned
langsung
Kendaraan bermotor, dimiliki langsung 72,498 1,796 ( 5,496 ) 31,920 100,718 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 Others, directly owned
Dimiliki langsung 2,606,482 85,655 ( 14,275 ) 30,752 1,464,562 47,720 4,220,896 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 264,977 73,118 ( 89,361 ) 53,544 302,278 Building, right of use assets
Perabot dan peralatan kantor, aset hak guna 34,404 16,111 ( 9,390 ) 32,911 74,036 Furniture and office equipment, rights of use assets
Kendaraan bermotor, aset hak guna 50,689 16,716 ( 36,765 ) 52,326 82,966 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 15,647 9,158 24,805 Others, right of use assets
Aset hak guna 350,070 121,592 ( 135,516 ) 147,939 484,085 Right of use assets
Bangunan, dalam penyelesaian 23,624 50,782 ( 30,752 ) 34,866 78,520 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 23,624 50,782 ( 30,752 ) 34,866 78,520 Assets under construction
Aset tetap 2,980,176 258,029 ( 149,791 ) 0 1,647,367 47,720 4,783,501 Property, plant, and equipment
Akumulasi Tanah, dimiliki langsung Land, directly owned Carrying amount, accumulated
Page 34
depresiasi Bangunan dan fasilitasnya, dimiliki langsung 185,476 28,301 ( 782 ) 150,799 363,794 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 634,905 78,832 ( 7,987 ) 381,328 1,087,078 Furniture and office equipment, directly owned
langsung
Kendaraan bermotor, dimiliki langsung 33,213 10,035 ( 5,496 ) 28,609 66,361 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 Others, directly owned
Dimiliki langsung 853,594 117,168 ( 14,265 ) 560,736 1,517,233 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 144,097 52,248 ( 89,361 ) 27,600 134,584 Building, right of use assets
Perabot dan peralatan kantor, aset hak guna 20,796 16,528 ( 9,390 ) 21,720 49,654 Furniture and office equipment, rights of use assets
Kendaraan bermotor, aset hak guna 35,968 18,136 ( 36,765 ) 36,980 54,319 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 4,832 8,874 13,706 Others, right of use assets
Aset hak guna 200,861 91,744 ( 135,516 ) 95,174 252,263 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 1,054,455 208,912 ( 149,781 ) 655,910 1,769,496 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 1,925,721 3,014,005 Property, plant, and equipment Carrying amount
Page 35
[4611100] Disclosure of Notes to the financial statements - Property, Plant and Equipment - Financial and Sharia Industry
Pengungkapan Disclosure
30 June 2026
Pengungkapan Disclosure
Pengungkapan catatan atas aset tetap Disclosure of notes for property, plant
and equipment
Page 36
[4612200a_BD] Notes to the financial statements - Sharia receivables - by type (breakdown) - Financial and Sharia Industry
30 June 2026
Pinjaman syariah berdasarkan tipe
Jumlah piutang syariah, kotor
Total sharia receivables, gross
Current Special mention Substandard Doubtful Loss Total Loans by
Jumlah Pinjama
Lancar Dalam perhatian khusus Kurang lancar Diragukan Macet
Rupiah Modal kerja 504,628 37,511 7,867 20,481 355,813
Investasi 1,200,174 105,633 1,428 6,943 23,096
Sindikasi 396,342 0 0 0 0
Program 639,473 47,578 7,532 2,581 1,858
pemerintah
Karyawan 381,502 592 263 0 1,827
Ekspor 0 0 0 0 0
Subjumlah 0 0 0 0 0
pinjaman
lainnya
Konsumen 11,284,658 147,949 10,151 16,135 72,390
Subjumlah 14,406,777 339,263 27,241 46,140 454,984
Pinjaman
berdasarkan
tipe
Mata Modal kerja
uang
asing Investasi
Sindikasi
Program
pemerintah
Karyawan
Ekspor
Subjumlah
pinjaman
lainnya
Konsumen
Page 37
Subjumlah
Pinjaman
berdasarkan
tipe
30 June 2026
Pinjaman syariah berdasarkan tipe
Jumlah piutang syariah, kotor
Total sharia receivables, gross
Current Special mention Substandard Doubtful Loss Total Loan
Jumlah Pinj
Lancar Dalam perhatian khusus Kurang lancar Diragukan Macet
Subjumlah Subjumlah 14,406,777 339,263 27,241 46,140 454,984
Seluruh Pinjaman
Mata berdasarkan
Uang tipe
30 June 2026
Pinjaman syariah berdasarkan tipe Sharia re
Current Loss Substandard Doubtful Special mention Total Loans by collecti
Jumlah Pinjaman berdas
Lancar Macet Kurang lancar Diragukan Dalam perhatian khusus
kolektibilitas
Jumlah
pinjaman
syariah
berdasarkan
tipe
Jumlah 14,406,777 454,984 27,241 46,140 339,263
piutang
syariah,
kotor
Cadangan ( 5,539 ) ( 26,068 ) ( 6,035 ) ( 7,185 ) ( 14,477 )
kerugian
penurunan
nilai pada
piutang
murabahah
Page 38
Cadangan kerugian penurunan nilai pada piutang istishna Cadangan (7) kerugian penurunan nilai pada piutang ijarah Cadangan ( 1,095 ) kerugian penurunan nilai pada pinjaman qardh Cadangan ( 340 ) ( 307 ) kerugian penurunan nilai pada pembiayaan mudharabah Cadangan ( 18,759 ) ( 302,446 ) ( 3,242 ) ( 9,445 ) ( 28,854 ) kerugian penurunan nilai pada pembiayaan musyarakah Jumlah 14,381,044 126,470 17,964 29,510 295,618 piutang syariah, bersih
Page 39
[4614210] Disclosure of Notes to the financial statements - Loans Sharia receivables - Financial and Sharia Industry
Pengungkapan Disclosure
30 June 2026
Pengungkapan Disclosure
Pengungkapan catatan atas pinjaman piutang syariah Disclosure of notes for loans sharia
receivables/financing
Names mentioned 4 people and organisations named in the text · linked when the evidence is strong
unresolved
org
Bank Pembangunan Daerah Jawa Timur Tbk
· Nama Emiten
p.1 ×7
unresolved
org
Bank Indonesia
p.4 ×10
unresolved
org
Bank Indonesia Giro
p.4
unresolved
org
Bank Giro
p.11
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