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Nomor Surat BIP/ACF/006/0726
Nama Emiten PT Bank Ina Perdana Tbk.
Kode Emiten BINA
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 PT Bank Ina Perdana Tbk. yang tidak memerlukan tanda tangan karena dihasilkan secara elektronik. PT
Bank Ina Perdana 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 PT Bank Ina Perdana Tbk. Entity name
Penjelasan perubahan nama Explanation of change in
dari akhir periode laporan name from the end of the
sebelumnya preceding reporting period
Kode entitas BINA Entity code
Nomor identifikasi entitas AA673 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 National Corporation Controlling shareholder
pengendali information
Jenis entitas Local Company - Indonesia Jurisdiction Type of entity
Jenis efek yang dicatatkan Saham / Stock Type of listed securities
Jenis papan perdagangan Utama / Main Type of board on which the
tempat entitas tercatat entity is listed
Apakah merupakan laporan Entitas tunggal / Single entity Whether the financial
keuangan satu entitas atau statements are of an ind
suatu kelompok entitas ividual entity or a group of
entities
Periode penyampaian Kuartal II / Second Quarter Period of financial
laporan keuangan statements submissions
Tanggal Surat Pernyataan July 29, 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 134,143 159,428 Cash
Dana yang dibatasi Restricted funds
penggunaannya
Giro pada Bank Indonesia 1,779,186 1,675,980 Current accounts with Bank
Indonesia
Giro pada bank lain Current accounts with
other banks
Giro pada bank lain 733,740 306,236 Current accounts with
pihak ketiga other banks third parties
Giro pada bank lain Current accounts with
pihak berelasi other banks related
parties
Cadangan kerugian ( 5 ) 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 2,166,147 2,096,738 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 (6) ( 100 ) 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 11,493,527 10,492,937 Marketable securities
diperdagangkan pihak third parties
ketiga
Efek-efek yang Marketable securities
diperdagangkan pihak related parties
berelasi
Cadangan kerugian (1) ( 4 ) 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 388,385 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 23,480 26,490 Acceptance receivables
pihak ketiga third parties
Tagihan akseptasi Acceptance receivables
pihak berelasi related parties
Cadangan kerugian ( 30 ) ( 34 ) Allowance for impairment
penurunan nilai pada losses for acceptance
tagihan akseptasi receivables
Tagihan derivatif Derivative receivables
Tagihan derivatif pihak 2,572 209 Derivative receivables
ketiga third parties
Tagihan derivatif pihak Derivative receivables
berelasi related parties
Pinjaman yang Loans
diberikan
Pinjaman yang 16,538,126 14,804,501 Loans third parties
diberikan pihak ketiga
Pinjaman yang 382,198 458,946 Loans related parties
diberikan pihak
berelasi
Cadangan kerugian ( 347,614 ) ( 405,373 ) 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 207,188 177,168 Receivables from
pihak ketiga customers third parties
Piutang nasabah 573 429 Receivables from
pihak berelasi customers related parties
Cadangan kerugian Allowance for impairment
penurunan nilai pada losses for receivables
piutang nasabah from customers
Piutang murabahah Murabahah receivables
Piutang murabahah Murabahah receivables
pihak ketiga third parties
Piutang murabahah Murabahah receivables
pihak berelasi related parties
Cadangan kerugian Allowance for impairment
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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 Ijarah receivables third ketiga parties Piutang ijarah pihak Ijarah receivables related berelasi parties Cadangan kerugian Allowance for impairment penurunan nilai pada losses for ijarah piutang ijarah receivables Piutang pembiayaan Consumer financing konsumen receivables Piutang pembiayaan Consumer financing konsumen pihak receivables third parties ketiga Piutang pembiayaan Consumer financing konsumen pihak receivables related berelasi parties Cadangan kerugian Allowance for impairment penurunan nilai pada losses for consumer piutang pembiayaan financing receivables konsumen Pinjaman qardh Qardh funds Pinjaman qardh pihak Qardh funds third parties ketiga Pinjaman qardh pihak Qardh funds related berelasi parties Cadangan kerugian Allowance for impairment penurunan nilai pada losses for qardh funds pinjaman qardh Pembiayaan Mudharabah financing mudharabah Pembiayaan Mudharabah financing mudharabah pihak third parties ketiga Pembiayaan Mudharabah financing mudharabah pihak related parties berelasi Cadangan kerugian Allowance for impairment penurunan nilai pada losses for mudharabah pembiayaan financing mudharabah Pembiayaan Musyarakah financing musyarakah Pembiayaan Musyarakah financing musyarakah pihak third parties ketiga Pembiayaan Musyarakah financing musyarakah pihak related parties berelasi Cadangan kerugian Allowance for impairment penurunan nilai pada losses for musyarakah
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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 Other receivables third
ketiga parties
Piutang lainnya pihak Other receivables related
berelasi parties
Cadangan kerugian Allowance for impairment
penurunan nilai pada losses for other
piutang lainnya receivables
Aset keuangan lainnya Other financial assets
Obligasi pemerintah Government bonds
Aset tidak lancar atau Non-current assets or
kelompok lepasan disposal groups classified as
diklasifikasikan sebagai held-for-sale
dimiliki untuk dijual
Aset tidak lancar atau Non-current assets or
kelompok lepasan disposal groups classified as
diklasifikasikan sebagai held-for-distribution to
dimiliki untuk owners
didistribusikan kepada
pemilik
Uang muka Advances
Biaya dibayar dimuka 32,149 27,698 Prepaid expenses
Jaminan Guarantees
Pajak dibayar dimuka 49,085 33,792 Prepaid taxes
Klaim atas pengembalian Claims for tax refund
pajak
Aset pajak tangguhan 210,636 113,458 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 Intangible assets other than
goodwill goodwill
Properti investasi Investment properties
Aset ijarah Ijarah assets
Aset tetap 109,005 127,734 Property, plant, and
equipment
Aset hak guna 61,891 71,180 Right of use assets
Aset pengampunan pajak Tax amnesty assets
Agunan yang diambil alih Foreclosed assets
Aset lainnya 869,354 742,439 Other assets
Jumlah aset 34,445,349 31,298,232 Total assets
Liabilitas, dana syirkah Liabilities, temporary syirkah
temporer dan ekuitas funds and equity
Liabilitas Liabilities
Liabilitas segera 66,965 23,889 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 4,691,508 4,940,661 Current accounts
ketiga third parties
Giro pihak 5,789,003 4,005,619 Current accounts
berelasi related parties
Giro wadiah Wadiah demand
deposits
Giro wadiah Wadiah demand
pihak ketiga deposits third
parties
Giro wadiah Wadiah demand
pihak berelasi deposits related
parties
Tabungan Savings
Tabungan 1,399,896 1,271,820 Savings third
pihak ketiga parties
Tabungan 8,337 2,252 Savings related
pihak berelasi parties
Tabungan wadiah Wadiah savings
Tabungan Wadiah savings
wadiah pihak third parties
ketiga
Tabungan Wadiah savings
wadiah pihak related parties
berelasi
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Deposito Time deposits
berjangka
Deposito 12,215,155 15,183,094 Time deposits
berjangka pihak third parties
ketiga
Deposito 2,023,542 1,856,232 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 Other banks deposits
bank lain pihak related parties
berelasi
Simpanan dari 68,785 172,350 Other banks deposits
bank lain pihak third parties
ketiga
Efek yang dijual 4,973,020 301,016 Securities sold with
dengan janji untuk repurchase agreement
dibeli kembali
Liabilitas derivatif Derivative payables
Liabilitas derivatif 401 201 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 36,514 45,937 Interest payables
Liabilitas akseptasi Acceptance liabilities
Liabilitas akseptasi Acceptance liabilities
pihak berelasi related parties
Liabilitas akseptasi 23,480 26,490 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 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 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 Accrued expenses
Utang pajak 23,809 27,852 Taxes payable
Liabilitas pajak Deferred tax liabilities
tangguhan
Liabilitas Tax amnesty liabilities
pengampunan pajak
Liabilitas lainnya 113,754 98,756 Other liabilities
Kewajiban imbalan 40,019 32,242 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 31,474,188 27,988,411 Total liabilities
Dana syirkah temporer Temporary syirkah funds
Bukan bank Non-banks
Giro mudharabah Mudharabah current
account
Giro Mudharabah
mudharabah current account
pihak ketiga third parties
Giro berjangka Mudharabah
mudharabah current account
pihak berelasi related parties
Tabungan Mudharabah saving
mudharabah deposits
Tabungan Mudharabah
mudharabah saving deposits
pihak ketiga third parties
Tabungan Mudharabah
mudharabah saving deposits
pihak berelasi related parties
Deposito Mudharabah time
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berjangka deposits
mudharabah
Deposito Mudharabah time
berjangka deposits third
mudharabah parties
pihak ketiga
Deposito Mudharabah time
berjangka deposits related
mudharabah parties
pihak berelasi
Bank Bank
Giro mudharabah Mudharabah current
account
Tabungan Mudharabah saving
mudharabah deposits (ummat)
(ummat)
Deposito berjangka Mudharabah time
mudharabah deposits
Efek yang diterbitkan Bank securities issued
bank
Investasi Interbank
mudharabah antar mudharabah
bank investments
Sukuk mudharabah Mudharabah sukuk
Sukuk mudharabah Subordinated
subordinasi mudharabah sukuk
Jumlah dana syirkah Total temporary
temporer syirkah funds
Jumlah akumulasi dana Total accumulated tabarru's
tabarru funds
Ekuitas Equity
Ekuitas yang Equity attributable to
diatribusikan kepada equity owners of
pemilik entitas induk parent entity
Saham biasa 613,472 613,472 Common stocks
Saham preferen Preferred stocks
Tambahan modal 2,482,288 2,482,288 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 ( 361,458 ) 42,205 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 Other components of
lainnya equity
Saldo laba Retained earnings
(akumulasi (deficit)
kerugian)
Saldo laba Appropriated
yang telah retained
ditentukan earnings
penggunaanya
Cadangan 122,940 122,940 General and
umum dan legal reserves
wajib
Cadangan Specific
khusus reserves
Saldo laba 113,919 48,916 Unappropriated
yang belum retained earnings
ditentukan
penggunaannya
Jumlah ekuitas 2,971,161 3,309,821 Total equity
yang attributable to
diatribusikan equity owners of
kepada pemilik parent entity
entitas induk
Proforma ekuitas Proforma equity
Kepentingan Non-controlling interests
non-pengendali
Jumlah ekuitas 2,971,161 3,309,821 Total equity
Jumlah liabilitas, dana 34,445,349 31,298,232 Total liabilities, temporary
syirkah temporer dan syirkah funds and equity
ekuitas
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[4312000] Statement of profit or loss and other comprehensive income, OCI
components presented net of tax, by nature - Financial and Sharia Industry
Laporan laba rugi dan penghasilan Statement of profit or loss and other
komprehensif lain comprehensive income
30 June 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 1,006,979 882,342 Interest income
Beban bunga ( 679,972 ) ( 577,812 ) Interest expenses
Pendapatan pengelolaan Revenue from fund
dana oleh bank sebagai management as
mudharib mudharib
Hak pihak ketiga atas Third parties share on
bagi hasil dana syirkah return of temporary
temporer syirkah funds
Pendapatan asuransi Insurance income
Pendapatan dari Revenue from
premi asuransi insurance premiums
Premi reasuransi Reinsurance
premiums
Premi retrosesi Retrocession
premiums
Penurunan (kenaikan) Decrease (increase) in
premi yang belum unearned premiums
merupakan
pendapatan
Penurunan (kenaikan) Decrease (increase) in
pendapatan premi premium income
disesikan kepada ceded to reinsurancer
reasuradur
Pendapatan komisi Insurance commission
asuransi income
Pendapatan bersih Net investment
investasi income
Penerimaan ujrah Ujrah received
Pendapatan asuransi Other insurance
lainnya income
Beban asuransi Insurance expenses
Beban klaim Claim expenses
Klaim reasuransi Reinsurance claims
Klaim retrosesi Retrocession claims
Kenaikan (penurunan) Increase (decrease) in
estimasi liabilitas estimated claims
klaim liability
Kenaikan (penurunan) Increase (decrease) in
liabilitas manfaat polis liability for future
masa depan policy benefit
Kenaikan (penurunan) Increase (decrease) in
provisi yang timbul provision for losses
dari tes kecukupan arising from liability
liabilitas adequacy test
Kenaikan (penurunan) Increase (decrease) in
liabilitas asuransi yang insurance liabilities
Page 14
disesikan kepada ceded to reinsurers
reasuradur
Kenaikan (penurunan) Increase (decrease) in
liabilitas pemegang liabilities to
polis pada kontrak policyholder in
unit-linked unit-linked contracts
Beban komisi asuransi Insurance commission
expenses
Ujrah dibayar Ujrah paid
Beban akuisisi dari Acquisition costs of
kontrak asuransi insurance contracts
Beban asuransi Other insurance
lainnya expenses
Pendapatan dari Financing income
pembiayaan
Pendapatan dari Revenue from
pembiayaan consumer financing
konsumen
Pendapatan dari sewa Revenue from finance
pembiayaan lease
Pendapatan dari sewa Revenue from
operasi operating lease
Pendapatan dari anjak Revenue from
piutang factoring
Pendapatan sekuritas Securities income
Pendapatan kegiatan Revenue from
penjamin emisi dan underwriting activities
penjualan efek and selling fees
Pendapatan Revenue from
pembiayaan transaksi financing transactions
nasabah
Pendapatan jasa biro Revenue from
administrasi efek securities
administration service
Pendapatan kegiatan Revenue from
jasa manajer investasi investment
management services
Pendapatan kegiatan Revenue from
jasa penasehat financial advisory
keuangan services
Keuntungan Realised gains
(kerugian) dari (losses) on trading of
transaksi marketable securities
perdagangan efek
yang telah direalisasi
Keuntungan Gains (losses) on
(kerugian) perubahan changes in fair value
nilai wajar efek of marketable
securities
Pendapatan operasional Other operating income
lainnya
Pendapatan investasi Investments income
Pendapatan provisi 8,242 6,599 Provisions and
dan komisi dari commissions income
transaksi lainnya from transactions
selain kredit other than loan
Pendapatan transaksi ( 1,425 ) 8,476 Revenue from trading
perdagangan transactions
Pendapatan dividen Dividends income
Keuntungan Realised gains
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(kerugian) yang telah (losses) from
direalisasi atas derivative instruments
instrumen derivatif
Penerimaan kembali Revenue from
aset yang telah recovery of written-off
dihapusbukukan assets
Keuntungan Gains (losses) on
(kerugian) selisih kurs changes in foreign
mata uang asing exchange rates
Keuntungan 4 5 Gains (losses) on
(kerugian) pelepasan disposal of property
aset tetap and equipment
Keuntungan Gains (losses) on
(kerugian) pelepasan disposal of foreclosed
agunan yang diambil assets
alih
Pendapatan 117,453 21,436 Other operating
operasional lainnya income
Pemulihan penyisihan Recovery of impairment
kerugian penurunan loss
nilai
Pemulihan penyisihan Recovery of
kerugian penurunan impairment loss of
nilai aset keuangan financial assets
Pemulihan penyisihan Recovery of
kerugian penurunan impairment loss of
nilai aset keuangan - financial assets
sewa pembiayaan finance lease
Pemulihan penyisihan Recovery of imp
kerugian penurunan airment loss of
nilai aset keuangan - financial assets
piutang pembiayaan consumer financing
konsumen receivables
Pemulihan penyisihan Recovery of
kerugian penurunan impairment loss of
nilai aset non-financial assets
non-keuangan
Pemulihan penyisihan Recovery of
kerugian penurunan impairment loss of
nilai aset non-financial assets
non-keuangan - repossessed
agunan yang diambil collaterals
alih
Pemulihan penyisihan Recovery of estimated
estimasi kerugian atas loss of commitments
komitmen dan and contingency
kontinjensi
Pembentukan kerugian Allowances for
penurunan nilai impairment losses
Pembentukan ( 45,061 ) ( 29,678 ) Allowances for
penyisihan kerugian impairment losses on
penurunan nilai aset earnings assets
produktif
Pembentukan Allowances for
penyisihan kerugian impairment losses on
penurunan nilai aset non-earnings assets
non-produktif
Pembalikan (beban) Reversal (expense) of
estimasi kerugian estimated losses on
komitmen dan kontijensi commitments and
contingencies
Beban operasional Other operating
Page 16
lainnya expenses
Beban umum dan ( 313,779 ) ( 272,623 ) General and
administrasi administrative
expenses
Beban penjualan Selling expenses
Beban sewa, Rent, maintenance
pemeliharaan, dan and improvement
perbaikan expenses
Beban provisi dan Other fees and
komisi commissions
expenses
Beban operasional ( 8,787 ) ( 6,851 ) Other operating
lainnya expenses
Jumlah laba operasional Total profit from operation
Pendapatan dan beban Non-operating income and
bukan operasional expense
Pendapatan bukan Non-operating income
operasional
Beban bukan operasional Non-operating expenses
Bagian atas laba (rugi) Share of profit (loss) of
entitas asosiasi yang associates accounted for
dicatat dengan using equity method
menggunakan metode
ekuitas
Bagian atas laba (rugi) Share of profit (loss) of
entitas ventura bersama joint ventures accounted
yang dicatat for using equity method
menggunakan metode
ekuitas
Jumlah laba (rugi) sebelum 83,654 31,894 Total profit (loss) before
pajak penghasilan tax
Pendapatan (beban) pajak ( 18,651 ) ( 7,195 ) Tax benefit (expenses)
Jumlah laba (rugi) dari 65,003 24,699 Total profit (loss) from
operasi yang dilanjutkan continuing operations
Laba (rugi) dari operasi yang Profit (loss) from
dihentikan discontinued operations
Jumlah laba (rugi) 65,003 24,699 Total profit (loss)
Pendapatan komprehensif Other comprehensive
lainnya, setelah pajak income, after tax
Pendapatan Other comprehensive
komprehensif lainnya income that will not be
yang tidak akan reclassified to profit or
direklasifikasi ke laba loss, after tax
rugi, setelah pajak
Pendapatan Other comprehensive
komprehensif lainnya income for gains
atas keuntungan (losses) on revaluation
(kerugian) hasil of property and
revaluasi aset tetap, equipment, after tax
setelah pajak
Pendapatan Other comprehensive
komprehensif lainnya income for
atas pengukuran remeasurement of
kembali kewajiban defined benefit
manfaat pasti, setelah obligation, after tax
pajak
Penyesuaian lainnya Other adjustments to
atas pendapatan other comprehensive
komprehensif lainnya income that will not be
reclassified to profit or
loss, after tax
Page 17
yang tidak akan
direklasifikasi ke laba
rugi, setelah pajak
Jumlah pendapatan Total other
komprehensif comprehensive
lainnya yang tidak income that will not
akan direklasifikasi be reclassified to
ke laba rugi, setelah profit or loss, after
pajak tax
Pendapatan Other comprehensive
komprehensif lainnya income that may be
yang akan reclassified to profit or
direklasifikasi ke laba loss, after tax
rugi, setelah pajak
Keuntungan Gains (losses) on
(kerugian) selisih kurs exchange differences
penjabaran, setelah on translation, after
pajak tax
Penyesuaian Reclassification
reklasifikasi selisih adjustments on
kurs penjabaran, exchange differences
setelah pajak on translation, after
tax
Keuntungan ( 403,663 ) 19,894 Unrealised gains
(kerugian) yang belum (losses) on changes in
direalisasi atas fair value through
perubahan nilai wajar other comprehensive
aset keuangan melalui income financial
penghasilan assets, after tax
komprehensif lain,
setelah pajak
Penyesuaian Reclassification
reklasifikasi atas aset adjustments on fair
keuangan nilai wajar value through other
melalui pendapatan comprehensive
komprehensif lainnya, income financial
setelah pajak assets, after tax
Keuntungan Gains (losses) on
(kerugian) lindung nilai cash flow hedges,
arus kas, setelah after tax
pajak
Penyesuaian Reclassification
reklasifikasi atas adjustments on cash
lindung nilai arus kas, flow hedges, after tax
setelah pajak
Nilai tercatat dari aset Carrying amount of
(liabilitas) non-financial asset
non-keuangan yang (liability) whose
perolehan atau acquisition or
keterjadiannya incurrence was
merupakan suatu hedged on highly
prakiraan transaksi probable forecast
yang kemungkinan transaction, adjusted
besar terjadi yang from equity, after tax
dilindung nilai, setelah
pajak
Keuntungan Gains (losses) on
(kerugian) lindung nilai hedges of net
investasi bersih investments in foreign
kegiatan usaha luar operations, after tax
negeri, setelah pajak
Penyesuaian Reclassification
reklasifikasi atas adjustments on
Page 18
lindung nilai investasi hedges of net
bersih kegiatan usaha investments in foreign
luar negeri, setelah operations, after tax
pajak
Bagian pendapatan Share of other
komprehensif lainnya comprehensive
dari entitas asosiasi income of associates
yang dicatat dengan accounted for using
menggunakan metode equity method, after
ekuitas, setelah pajak tax
Bagian pendapatan Share of other
komprehensif lainnya comprehensive
dari entitas ventura income of joint
bersama yang dicatat ventures accounted
dengan menggunakan for using equity
metode ekuitas, method, after tax
setelah pajak
Penyesuaian lainnya Other adjustments to
atas pendapatan other comprehensive
komprehensif lainnya income that may be
yang akan reclassified to profit or
direklasifikasi ke laba loss, after tax
rugi, setelah pajak
Jumlah pendapatan ( 403,663 ) 19,894 Total other
komprehensif comprehensive
lainnya yang akan income that may be
direklasifikasi ke reclassified to profit
laba rugi, setelah or loss, after tax
pajak
Jumlah pendapatan ( 403,663 ) 19,894 Total other
komprehensif lainnya, comprehensive income,
setelah pajak after tax
Jumlah laba rugi ( 338,660 ) 44,593 Total comprehensive
komprehensif income
Laba (rugi) yang dapat Profit (loss) attributable to
diatribusikan
Laba (rugi) yang dapat 65,003 24,699 Profit (loss) attributable to
diatribusikan ke entitas parent entity
induk
Laba (rugi) yang dapat Profit (loss) attributable to
diatribusikan ke non-controlling interests
kepentingan
non-pengendali
Laba rugi komprehensif Comprehensive income
yang dapat diatribusikan attributable to
Laba rugi komprehensif ( 338,660 ) 44,593 Comprehensive income
yang dapat diatribusikan attributable to parent
ke entitas induk entity
Laba rugi komprehensif Comprehensive income
yang dapat diatribusikan attributable to
ke kepentingan non-controlling interests
non-pengendali
Laba (rugi) per saham Earnings (loss) per share
Laba per saham dasar Basic earnings per
diatribusikan kepada share attributable to
pemilik entitas induk equity owners of the
parent entity
Laba (rugi) per saham 10.6 0.00000403 Basic earnings (loss)
dasar dari operasi per share from
yang dilanjutkan continuing operations
Laba (rugi) per saham Basic earnings (loss)
dasar dari operasi per share from
Page 19
yang dihentikan discontinued
operations
Laba (rugi) per saham Diluted earnings (loss)
dilusian per share
Laba (rugi) per saham Diluted earnings (loss)
dilusian dari operasi per share from
yang dilanjutkan continuing operations
Laba (rugi) per saham Diluted earnings (loss)
dilusian dari operasi per share from
yang dihentikan discontinued
operations
Page 20
[4410000] Statement of changes in equity - Financial and Sharia Industry
Laporan perubahan ekuitas Statement of changes in equity
Additional Reserve of exchange Reserve for changes in fair value of fair value Reserve of Reserve of 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 Reserve of cash 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 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 flow hedges reserves interests earnings-general and legal reserves earnings-specific reserves earnings parent entity equity interests
capital translation assets payments 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 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 Saldo laba yang telah ditentukan Proforma Kepentingan
modal setoran laporan nilai wajar melalui pendapatan komprehensif pembayaran lindung nilai kembali program imbalan ekuitas transaksi ekuitas penggunaannya-cadangan umum dan 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 penggunaannya-cadangan khusus ekuitas non-pengendali
disetor modal keuangan lainnya berbasis saham arus kas pasti lainnya lainnya wajib 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 613,472 2,482,288 42,205 122,940 48,916 3,309,821 3,309,821 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 613,472 2,482,288 42,205 122,940 48,916 3,309,821 3,309,821 Equity position, beginning of the period
Laba (rugi) 65,003 65,003 65,003 Profit (loss)
Pendapatan komprehensif lainnya ( 403,663 ) ( 403,663 ) ( 403,663 Other comprehensive income
)
Penjabaran laporan keuangan Translation adjustment
Pembentukan cadangan umum Allocation for general reserves
Pembentukan cadangan khusus Allocation for specific reserves
Distribusi dividen kas Distributions of cash dividends
Distribusi dividen saham Distributions of stock dividends
Penerbitan saham biasa Issuance of common stocks
Penerbitan saham preferen Issuance of preferred stocks
Biaya emisi efek Stock issuance costs
Penerbitan instrumen yang dapat dikonversi Issuance of convertible instruments
Kenaikan (penurunan) ekuitas melalui transaksi saham tresuri Increase (decrease) in equity through treasury
stock transactions
Kenaikan (penurunan) ekuitas melalui transaksi pembayaran berbasis saham Increase (decrease) in equity through
share-based payment transactions
Pelaksanaan instrumen yang dapat dikonversi Exercise of convertible instruments
Pelaksanaan waran Exercise of warrants
Kenaikan (penurunan) ekuitas melalui transaksi dengan pemilik ekuitas Increase (decrease) in equity through
transactions with owner's equity
Setoran modal dari kepentingan non-pengendali Stock subscription from non-controlling interests
Perubahan kepentingan non-pengendali atas akuisisi entitas anak Changes in non-controlling interests due to
acquisition of subsidiaries
Perubahan kepentingan non-pengendali atas pendirian entitas anak Changes in non-controlling interests due to
establishment of subsidiaries
Perubahan kepentingan non-pengendali atas pelepasan entitas anak Changes in non-controlling interests due to
disposal of subsidiaries
Perubahan kepentingan non-pengendali atas pelepasan operasi yang Changes in non-controlling interests due to
dihentikan disposal of a discontinued operation
Perubahan kepentingan non-pengendali atas pelepasan sebagian Changes in non-controlling interests due to
kepemilikan pada entitas anak yang tidak mengakibatkan hilangnya partial disposal of interests in subsidiaries
pengendalian without loss of control
Perubahan kepentingan non-pengendali atas transaksi lainnya dengan Changes in non-controlling interests due to other
kepentingan non-pengendali transactions with non-controlling interests
Eliminasi defisit dalam rangka kuasi reorganisasi Elimination of deficit in connection with
quasi-reorganisation
Pelaksanaan opsi saham Stock options exercised
Dampak penerapan psak no. 70 atas aset pengampunan pajak Impact of psak no. 70 adoption on tax amnesty
assets
Saldo penyesuaian dampak penerapan retrospektif atas PSAK Retrospective adjustment of PSAK
implementation
Transaksi ekuitas lainnya Other equity transactions
Posisi ekuitas, akhir periode 613,472 2,482,288 ( 361,458 ) 122,940 113,919 2,971,161 2,971,161 Equity position, end of the period
Page 21
[4410000] Statement of changes in equity - Financial and Sharia Industry - Prior Year
Laporan perubahan ekuitas Statement of changes in equity
Additional Reserve of exchange Reserve for changes in fair value of fair value Reserve of Reserve of 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 Reserve of cash 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 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 flow hedges reserves interests earnings-general and legal reserves earnings-specific reserves earnings parent entity equity interests
capital translation assets payments 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 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 Saldo laba yang telah ditentukan Proforma Kepentingan
modal setoran laporan nilai wajar melalui pendapatan komprehensif pembayaran lindung nilai kembali program imbalan ekuitas transaksi ekuitas penggunaannya-cadangan umum dan 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 penggunaannya-cadangan khusus ekuitas non-pengendali
disetor modal keuangan lainnya berbasis saham arus kas pasti lainnya lainnya wajib 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 613,472 2,482,288 ( 23,006 ) 106,570 433,650 3,612,974 3,612,974 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 613,472 2,482,288 ( 23,006 ) 106,570 433,650 3,612,974 3,612,974 Equity position, beginning of the period
Laba (rugi) 24,699 24,699 24,699 Profit (loss)
Pendapatan komprehensif lainnya 19,894 19,894 19,894 Other comprehensive income
Penjabaran laporan keuangan Translation adjustment
Pembentukan cadangan umum 16,370 ( 16,370 ) 0 Allocation for general reserves
Pembentukan cadangan khusus Allocation for specific reserves
Distribusi dividen kas Distributions of cash dividends
Distribusi dividen saham Distributions of stock dividends
Penerbitan saham biasa Issuance of common stocks
Penerbitan saham preferen Issuance of preferred stocks
Biaya emisi efek Stock issuance costs
Penerbitan instrumen yang dapat dikonversi Issuance of convertible instruments
Kenaikan (penurunan) ekuitas melalui transaksi saham tresuri Increase (decrease) in equity through treasury
stock transactions
Kenaikan (penurunan) ekuitas melalui transaksi pembayaran berbasis saham Increase (decrease) in equity through
share-based payment transactions
Pelaksanaan instrumen yang dapat dikonversi Exercise of convertible instruments
Pelaksanaan waran Exercise of warrants
Kenaikan (penurunan) ekuitas melalui transaksi dengan pemilik ekuitas Increase (decrease) in equity through
transactions with owner's equity
Setoran modal dari kepentingan non-pengendali Stock subscription from non-controlling interests
Perubahan kepentingan non-pengendali atas akuisisi entitas anak Changes in non-controlling interests due to
acquisition of subsidiaries
Perubahan kepentingan non-pengendali atas pendirian entitas anak Changes in non-controlling interests due to
establishment of subsidiaries
Perubahan kepentingan non-pengendali atas pelepasan entitas anak Changes in non-controlling interests due to
disposal of subsidiaries
Perubahan kepentingan non-pengendali atas pelepasan operasi yang Changes in non-controlling interests due to
dihentikan disposal of a discontinued operation
Perubahan kepentingan non-pengendali atas pelepasan sebagian Changes in non-controlling interests due to
kepemilikan pada entitas anak yang tidak mengakibatkan hilangnya partial disposal of interests in subsidiaries
pengendalian without loss of control
Perubahan kepentingan non-pengendali atas transaksi lainnya dengan Changes in non-controlling interests due to other
kepentingan non-pengendali transactions with non-controlling interests
Eliminasi defisit dalam rangka kuasi reorganisasi Elimination of deficit in connection with
quasi-reorganisation
Pelaksanaan opsi saham Stock options exercised
Dampak penerapan psak no. 70 atas aset pengampunan pajak Impact of psak no. 70 adoption on tax amnesty
assets
Saldo penyesuaian dampak penerapan retrospektif atas PSAK Retrospective adjustment of PSAK
implementation
Transaksi ekuitas lainnya Other equity transactions
Posisi ekuitas, akhir periode 613,472 2,482,288 ( 3,112 ) 122,940 441,979 3,657,567 3,657,567 Equity position, end of the period
Page 22
[4510000] Statement of cash flows, direct method - Financial and Sharia
Industry
Laporan arus kas Statement of cash flows
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, 976,814 854,633 Interest, investment
hasil investasi, provisi, income, fees and
dan komisi commissions received
Pembayaran bunga ( 687,816 ) ( 577,195 ) Payments Of Interest
dan bonus, provisi dan And Bonus Fees And
komisi Commissions
Bunga bank dan Interest from banks
deposito berjangka and time deposits
Penerimaan Revenue receipts from
pendapatan fund management as
pengelolaan dana mudharib
sebagai mudharib
Pembayaran bagi Payments of
hasil dana syirkah temporary syirkah
temporer funds
Penerimaan premi Receipts from
asuransi insurance premiums
Penerimaan klaim Receipts from
reasuransi reinsurance claims
Penerimaan Receipts (payments)
(pembayaran) komisi of commission
Penerimaan klaim Receipts from
retrosesi retrocession claims
Penerimaan dari ujrah Receipts of ujrah
Penerimaan dari Receipts from
(pembayaran kepada) (payments to) clearing
lembaga kliring dan and guarantee
penjaminan institution
Penerimaan dari Receipts from
(pembayaran kepada) (payments to)
nasabah customers
Pencairan Withdrawal
(penempatan) (placement) of
deposito pada deposits to clearing
lembaga kliring dan and guarantee
penjaminan institution
Pendapatan dari 22,060 36,424 Income from other
transaksi operasional operating transactions
lainnya
Penerimaan kembali Recoveries of written
aset yang telah off assets
dihapusbukukan
Pembayaran biaya Payments for deferred
akuisisi ditangguhkan acquisition costs
Pembayaran atas Payments of finance
beban keuangan dan costs and bank
beban administrasi administration charges
Page 23
bank
Pembayaran gaji dan ( 184,048 ) ( 170,634 ) 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 ( 7,196 ) Refunds (payments)
pengembalian of income tax
(pembayaran) pajak
penghasilan
Pembayaran beban ( 131,414 ) ( 103,252 ) Payments for other
operasional lainnya operating expenses
Penerimaan Receipts from
pendapatan non-operating income
non-operasional
Pengembalian Repayment
(penempatan) uang (placement) of
jaminan refundable deposits
Penerimaan 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) 388,385 97,963 Decrease (increase) in
efek yang marketable securities
diperdagangkan
Penurunan (kenaikan) 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) ( 11,670 ) 21,408 Decrease (increase) in
tagihan akseptasi acceptance
receivables
Penurunan (kenaikan) ( 1,662,865 ) ( 462,060 ) Decrease (increase) in
pinjaman yang loans
diberikan
Penurunan (kenaikan) Decrease (increase) in
piutang pembiayaan consumer financing
konsumen receivables
Penurunan (kenaikan) Decrease (increase) in
investasi sewa lease investments
Penurunan (kenaikan) Decrease (increase) in
tagihan anjak piutang factoring
Penurunan Decrease (increase)
(kenaikan) piutang in sharia financing
Page 24
dan pembiayaan and receivables
syariah
Penurunan Decrease
(kenaikan) piutang (increase) in
murabahah murabahah
receivables
Penurunan Decrease
(kenaikan) piutang (increase) in
istishna istishna
receivables
Penurunan Decrease
(kenaikan) piutang (increase) in ijarah
ijarah receivables
Penurunan Decrease
(kenaikan) (increase) in qardh
pinjaman qardh funds
Penurunan Decrease
(kenaikan) (increase) in
pembiayaan mudharabah
mudharabah financing
Penurunan Decrease
(kenaikan) (increase) in
pembiayaan musyarakah
musyarakah financing
Penurunan Decrease
(kenaikan) aset (increase) in ijarah
ijarah assets
Penurunan (kenaikan) Decrease (increase) in
piutang lainnya other receivables
Penurunan (kenaikan) Decrease (increase) in
agunan yang diambil foreclosed assets
alih
Penurunan (kenaikan) ( 2,363 ) ( 536 ) Decrease (increase) in
tagihan derivatif derivative receivables
Penurunan (kenaikan) Decrease (increase) in
aset reasuransi reinsurance assets
Penurunan (kenaikan) ( 91,125 ) 242,659 Decrease (increase) in
aset lainnya other assets
Kenaikan (penurunan) Increase (decrease) in
liabilitas operasi operating liabilities
Kenaikan (penurunan) 43,076 36,158 Increase (decrease) in
liabilitas segera obligations due
immediately
Kenaikan (penurunan) ( 1,129,652 ) 1,451,947 Increase (decrease) in
giro dan tabungan current accounts and
simpanan nasabah customers savings
Kenaikan (penurunan) Increase (decrease) in
deposito berjangka customers time
nasabah deposits
Kenaikan (penurunan) Increase (decrease) in
giro wadiah simpanan customers wadiah
nasabah demand deposits
Kenaikan (penurunan) Increase (decrease) in
tabungan wadiah customers wadiah
simpanan nasabah saving deposits
Kenaikan (penurunan) Increase (decrease) in
deposito wakalah customers wakalah
simpanan nasabah deposits
Kenaikan (penurunan) ( 103,565 ) 19,750 Increase (decrease) in
simpanan dari bank other banks saving
lain deposits
Page 25
Kenaikan (penurunan) Increase (decrease) in
giro mudharabah mudharabah current
account
Kenaikan (penurunan) Increase (decrease) in
tabungan mudharabah mudharabah savings
deposits
Kenaikan (penurunan) 4,676,842 0 Increase (decrease) in
efek yang dijual securities sold under
dengan janji dibeli repurchase agreement
kembali
Kenaikan (penurunan) ( 3,010 ) ( 29,665 ) 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) 200 ( 717 ) Increase (decrease) in
liabilitas derivatif derivative payables
Kenaikan (penurunan) Increase (decrease) in
dana syirkah temporer temporary syirkah
funds
Kenaikan (penurunan) 18,125 ( 4,359 ) Increase (decrease) in
liabilitas lainnya other liabilities
Jumlah arus kas bersih 2,117,974 1,405,328 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) ( 1,404,253 ) ( 235,813 ) 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 ( 121,532 ) ( 15,986 ) Proceeds from disposal
penjualan (perolehan) (acquisition) of property
aset tetap and equipment
Penerimaan dari Proceeds from disposal
penjualan (perolehan) (acquisition) of intangible
aset takberwujud selain assets other than goodwill
goodwill
Pencairan (penempatan) Withdrawal (placement)
aset keuangan nilai wajar of financial assets fair
melalui pendapatan value through other
komprehensif lainnya comprehensive income
Penempatan aset Placement of financial
keuangan biaya assets amotized cost
perolehan diamortisasi investments
Pencairan aset keuangan Withdrawal of financial
biaya perolehan assets amortized cost
diamortisasi investments
Penerimaan dari Receipts from (payments
Page 26
(pembayaran kepada) for) policy loans pinjaman polis Pembayaran untuk Payments for acquisition perolehan entitas anak of subsidiaries Penerimaan dari Proceeds from sales of pelepasan entitas anak subsidiaries Pembayaran untuk Payments for acquisition perolehan tambahan of additional interests in kepemilikan pada entitas subsidiaries anak Pencairan (penempatan) Withdrawal (placement) efek-efek yang of marketable securities diperdagangkan Penerimaan dari Proceeds from sales of pelepasan kepentingan di interests in subsidiaries entitas anak tanpa without loss of control hilangnya pengendalian from investing activities dari kegiatan investasi Pembayaran untuk Payments for acquisition perolehan kepemilikan of interests in associates pada entitas asosiasi Penerimaan dari Proceeds from sales of pelepasan kepemilikan interests in associates pada entitas asosiasi Penerimaan Other cash inflows (pengeluaran) kas lainnya (outflows) from investing dari aktivitas investasi activities Jumlah arus kas bersih ( 1,525,785 ) ( 251,799 ) Total net cash flows yang diperoleh dari received from (used in) (digunakan untuk) investing activities aktivitas investasi Arus kas dari aktivitas Cash flows from financing pendanaan activities Kenaikan (penurunan) Increase (decrease) in efek yang diterbitkan securities issued Penerbitan sukuk Issuance of mudharabah mudharabah sukuk Penempatan sertifikat Placement of certificate of investasi mudharabah mudharabah investments Biaya emisi sukuk Issuance cost of mudharabah mudharabah sukuk Penerimaan pinjaman Proceeds from yang diterima borrowings Pembayaran pinjaman Payments for borrowings yang diterima Penerimaan pinjaman Proceeds from subordinasi subordinated loans Pembayaran pinjaman Payments of subordinasi subordinated loans Pembayaran bunga ( 17,355 ) 15,268 Payments of interests pinjaman from borrowings Penerimaan dari Proceeds from bonds penerbitan obligasi issuance Pembayaran utang Payments of bonds obligasi payable Pembayaran biaya emisi Payments of bonds penerbitan obligasi issuance costs Obligasi subordinasi yang Subordinated bonds diterbitkan issued Pembayaran obligasi Payments of
Page 27
subordinasi subordinated bonds
Biaya emisi obligasi Subordinated bonds
subordinasi yang issuance costs
diterbitkan
Penerimaan dari surat Proceeds from medium
utang jangka menengah term notes
Pembayaran dari surat Payments of medium
utang jangka menengah term notes
Penerimaan dari Proceeds from issuance
penerbitan saham baru of new stocks
Pembayaran biaya emisi Payments of stock
saham issuance costs
Penerimaan setoran Proceeds from capital
modal contributions
Penerimaan dari Proceed from increase of
penambahan kepemilikan non-controlling interest
dari non-pengendali
Penjualan (pembelian) Sales (purchase) of
dari saham tresuri treasury stocks
Penerimaan dari program Proceeds from employee
opsi saham karyawan stock options program
Penyelesaian Settlement (placement) of
(penempatan) transaksi derivative transactions
derivatif
Pembayaran dividen dari Dividends paid from
aktivitas pendanaan financing activities
Penerimaan Other cash inflows
(pengeluaran) kas lainnya (outflows) from financing
dari aktivitas pendanaan activities
Jumlah arus kas bersih ( 17,355 ) 15,268 Total net cash flows
yang diperoleh dari received from (used in)
(digunakan untuk) financing activities
aktivitas pendanaan
Jumlah kenaikan 574,834 1,168,797 Total net increase
(penurunan) bersih kas (decrease) in cash and
dan setara kas cash equivalents
Kas dan setara kas arus kas, 4,238,382 3,857,497 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 4,813,216 5,026,294 Cash and cash equivalents
kas, akhir periode cash flows, end of the
period
Page 28
[4610000] Explanation for Significant Accounting Policy - Financial and Sharia Industry
Kebijakan akuntansi signifikan Significant accounting policies
30 June 2026
Kebijakan akuntansi signifikan Significant accounting policies
Dasar penyusunan laporan keuangan konsolidasian Catatan 2a Basis of preparation of consolidated
financial statements
Prinsip-prinsip konsolidasi NA Principles of consolidation
Kas dan setara kas Catatan 2e Cash and cash equivalents
Aset tetap Catatan 2q Fixed assets
Penurunan nilai aset nonkeuangan Catatan 2o Impairment of non-financial assets
Beban tangguhan Catatan 2x Deferred charges
Pengakuan pendapatan dan beban Catatan 2v Revenue and expense recognition
Penjabaran mata uang asing Catatan 2b Foreign currency translation
Transaksi dengan pihak berelasi Catatan 2c Transactions with related parties
Pajak penghasilan Catatan 2x Income taxes
Pinjaman NA Borrowings
Provisi Catatan 2aa Provisions
Imbalan kerja karyawan Catatan 2y Employee benefits
Laba per saham Catatan 2ac Earnings per share
Dividen NA Dividends
Pelaporan segmen Catatan 2z Segment reporting
Instrumen keuangan derivatif Catatan 2d Derivative financial instruments
Penerapan standar akutansi baru Catatan 2ad The implementation of new
statements of accounting standards
Kombinasi bisnis NA Business combination
Penentuan nilai wajar Catatan 2d Determination of fair value
Transaksi dan saldo dalam mata uang asing Catatan 2b Foreign currency transactions and
balances
Giro pada Bank Indonesia dan bank lain Catatan 2d Current accounts with Bank
Indonesia and other banks
Penempatan pada Bank Indonesia dan bank lain Catatan 2d Placements with Bank Indonesia and
other banks
Efek-efek Catatan 2d Securities
Investasi jangka pendek NA Short-term investment
Aset hak guna Catatan 2q Right of use assets
Properti investasi NA Investment properties
Goodwill NA Goodwill
Page 29
Investasi pada entitas asosiasi NA Investment in associates
Aset takberwujud Catatan 2q Intangible assets
Beban dibayar dimuka Catatan 2r Prepaid expenses
Piutang dan utang asuransi NA Insurance receivables and payables
Piutang pembiayaan konsumen NA Consumer financing receivables
Liabilitas atas kontrak NA Contract liabilities
Simpanan nasabah dan simpanan dari bank lain Catatan 2u Deposits from customers and
deposits from other banks
Obligasi subordinasi NA Subordinated bonds
Efek-efek yang dibeli dengan janji dibeli kembali NA Securities purchased under resell
agreements
Saham treasuri NA Treasury stock
Modal saham NA Share capital
Pengaturan pembayaran berbasis saham NA Share-based payment arrangement
Biaya emisi efek ekuitas Catatan 2aa Stock issuance cost
Instrumen keuangan Catatan 2d Financial instruments
Aset tidak lancar yang diklasifikasikan sebagai dimiliki NA Non-current assets classified as held
untuk dijual for sale
Peristiwa setelah tanggal periode pelaporan NA Events after reporting period
Penerapan standar akuntansi baru Catatan 2ad Adoption of new accounting
standards
Standar akuntansi yang telah disahkan namun belum Catatan 2ad Accounting standards issued but not
berlaku efektif yet effective
Utang pembiayaan konsumen NA Consumer financing liabilities
Page 30
[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]
Aset Penambahan aset Pengurangan aset Reklasifikasi aset Penjabaran laporan keuangan aset Entitas anak baru aset Revaluasi aset Penurunan (pemulihan) nilai aset Aset
tetap tetap tetap tetap tetap tetap tetap tetap tetap
Nilai perolehan, Tanah, dimiliki langsung 1,358 1,358 Land, directly owned Carrying amount, gross
kotor Bangunan dan fasilitasnya, dimiliki langsung 24,049 24,049 Building and leasehold improvement, directly owned
Mesin dan peralatan, dimiliki langsung 112,535 3,466 ( 31 ) 1,177 117,147 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 54,457 166 ( 258 ) 236 54,601 Furniture and office equipment, directly owned
langsung
Kendaraan bermotor, dimiliki langsung 8,223 ( 999 ) 7,224 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 69,619 46 ( 144 ) 69,521 Others, directly owned
Dimiliki langsung 270,241 3,678 ( 1,288 ) 1,269 273,900 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 Building, right of use assets
Perabot dan peralatan kantor, aset hak guna Furniture and office equipment, rights of use assets
Kendaraan bermotor, aset hak guna 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 Others, right of use assets
Aset hak guna 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 10,515 5,406 (0) ( 8,430 ) 7,491 Others, assets under construction
Aset dalam penyelesaian 10,515 5,406 (0) ( 8,430 ) 7,491 Assets under construction
Aset tetap 280,756 9,084 ( 1,288 ) ( 7,161 ) 281,391 Property, plant, and equipment
Akumulasi Tanah, dimiliki langsung Land, directly owned Carrying amount, accumulated
Page 31
depresiasi Bangunan dan fasilitasnya, dimiliki langsung 989 601 1,590 Building and leasehold improvement, directly owned depreciation
Mesin dan peralatan, dimiliki langsung 81,040 7,791 ( 31 ) 88,800 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 29,038 4,020 ( 258 ) 127 47,103 Furniture and office equipment, directly owned
langsung
Kendaraan bermotor, dimiliki langsung 1,705 490 ( 229 ) 1,966 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 40,250 6,980 ( 127 ) 32,927 Others, directly owned
Dimiliki langsung 153,022 19,882 ( 518 ) 0 172,386 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 Building, right of use assets
Perabot dan peralatan kantor, aset hak guna Furniture and office equipment, rights of use assets
Kendaraan bermotor, aset hak guna 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 Others, right of use assets
Aset hak guna 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 153,022 19,882 ( 518 ) 0 172,386 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 127,734 109,005 Property, plant, and equipment Carrying amount
Page 32
[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]
Aset Penambahan aset Pengurangan aset Reklasifikasi aset Penjabaran laporan keuangan aset Entitas anak baru aset Revaluasi aset Penurunan (pemulihan) nilai aset Aset
tetap tetap tetap tetap tetap tetap tetap tetap tetap
Nilai perolehan, Tanah, dimiliki langsung 1,358 1,358 Land, directly owned Carrying amount, gross
kotor Bangunan dan fasilitasnya, dimiliki langsung 15,511 472 8,066 24,049 Building and leasehold improvement, directly owned
Mesin dan peralatan, dimiliki langsung 100,251 5,585 ( 222 ) 6,921 112,535 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 46,063 2,925 ( 189 ) 5,658 54,457 Furniture and office equipment, directly owned
langsung
Kendaraan bermotor, dimiliki langsung 8,223 8,223 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 63,041 4,360 2,218 69,619 Others, directly owned
Dimiliki langsung 233,089 13,342 ( 411 ) 24,221 270,241 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 Building, right of use assets
Perabot dan peralatan kantor, aset hak guna Furniture and office equipment, rights of use assets
Kendaraan bermotor, aset hak guna 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 Others, right of use assets
Aset hak guna 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 21,505 13,231 ( 24,221 ) 10,515 Others, assets under construction
Aset dalam penyelesaian 21,505 13,231 ( 24,221 ) 10,515 Assets under construction
Aset tetap 254,594 26,573 ( 411 ) 0 280,756 Property, plant, and equipment
Akumulasi Tanah, dimiliki langsung Land, directly owned Carrying amount, accumulated
Page 33
depresiasi Bangunan dan fasilitasnya, dimiliki langsung 0 989 989 Building and leasehold improvement, directly owned depreciation
Mesin dan peralatan, dimiliki langsung 65,755 15,504 ( 219 ) 81,040 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 19,164 7,734 ( 180 ) 2,320 29,038 Furniture and office equipment, directly owned
langsung
Kendaraan bermotor, dimiliki langsung 704 1,001 1,705 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 29,151 11,099 40,250 Others, directly owned
Dimiliki langsung 114,774 36,327 ( 399 ) 2,320 153,022 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 Building, right of use assets
Perabot dan peralatan kantor, aset hak guna Furniture and office equipment, rights of use assets
Kendaraan bermotor, aset hak guna 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 Others, right of use assets
Aset hak guna 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 114,774 36,327 ( 399 ) 2,320 153,022 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 139,820 127,734 Property, plant, and equipment Carrying amount
Page 34
[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 Penambahan aset tetap pada tanggal-tanggal 30 Juni 2026 dan 31 Desember 2025 terdiri dari Disclosure of notes for property, plant
renovasi bangunan kantor cabang, kursi, meja, AC, komputer, laptop dan printer yang digunakan untuk and equipment
aktivitas operasional Bank. Beban penyusutan aset tetap adalah sebesar Rp19.880 dan Rp36.327
masing-masing untuk tahun yang berakhir pada tanggal-tanggal 30 Juni 2026 dan 31 Desember
2025.Pada tanggal-tanggal 30 Juni 2026 dan 31 Desember 2025, jumlah tercatat bruto dari setiap aset
tetap yang telah disusutkan penuh dan masih digunakan masing-masing adalah sebesar Rp79.767
dan Rp63.375.
Page 35
[4611100a_BD] Notes to the financial statements - Loans and Sharia receivables - by currency, related parties and third parties (breakdown) -
Financial and Sharia Industry
30 June 2026 31 December 2025
Pinjaman berdasarkan Loans by currencies and parties Pinjaman berdasarkan Loans by currencies and parties
mata uang dan pihak mata uang dan pihak
Jumlah pinjaman berdasarkan Jumlah pinjaman berdasarkan
mata uang dan pihak mata uang dan pihak
Jumlah pinjaman, kotor Jumlah pinjaman, kotor
Pinjaman Pihak Rupiah 382,198 Rupiah Related Conventional Pinjaman Pihak Rupiah 340,057 Rupiah Related Conventional
konvensional berelasi Mata uang Foreign parties loans konvensional berelasi Mata uang Foreign parties loans
asing currencies asing currencies
Subjumlah 382,198 Subtotal Subjumlah 340,057 Subtotal
Seluruh on all Seluruh on all
Mata Uang Currencies Mata Uang Currencies
Pihak Rupiah 16,071,657 Rupiah Third Pihak Rupiah 14,817,814 Rupiah Third
ketiga Mata uang 466,469 Foreign parties ketiga Mata uang 105,576 Foreign parties
asing currencies asing currencies
Subjumlah 16,538,126 Subtotal Subjumlah 14,923,390 Subtotal
Seluruh on all Seluruh on all
Mata Uang Currencies Mata Uang Currencies
Pinjaman Pihak Rupiah Rupiah Related Sharia loans Pinjaman Pihak Rupiah Rupiah Related Sharia loans
syariah berelasi Mata uang Foreign parties syariah berelasi Mata uang Foreign parties
asing currencies asing currencies
Subjumlah Subtotal Subjumlah Subtotal
Seluruh on all Seluruh on all
Mata Uang Currencies Mata Uang Currencies
Pihak Rupiah Rupiah Third Pihak Rupiah Rupiah Third
ketiga Mata uang Foreign parties ketiga Mata uang Foreign parties
asing currencies asing currencies
Subjumlah Subtotal Subjumlah Subtotal
Seluruh on all Seluruh on all
Mata Uang Currencies Mata Uang Currencies
30 June 2026 31 December 2025
Page 36
Pinjaman berdasarkan Loans by currencies and parties Pinjaman berdasarkan Loans by currencies and parties
mata uang dan pihak mata uang dan pihak
Jumlah pinjaman Jumlah pinjaman
berdasarkan mata uang berdasarkan mata uang
dan pihak dan pihak
Jumlah pinjaman, kotor Jumlah pinjaman, kotor
Pinjaman Subjumlah Subjumlah 16,920,324 Subtotal Subtotal Conventional Pinjaman Subjumlah Subjumlah 15,263,447 Subtotal Subtotal Conventional
konvensional Seluruh Seluruh on all on all loans konvensional Seluruh Seluruh on all on all loans
Pihak Mata Uang Currencies Parties Pihak Mata Uang Currencies Parties
Pinjaman Subjumlah Subjumlah Subtotal Subtotal Sharia loans Pinjaman Subjumlah Subjumlah Subtotal Subtotal Sharia loans
syariah Seluruh Seluruh on all on all syariah Seluruh Seluruh on all on all
Pihak Mata Uang Currencies Parties Pihak Mata Uang Currencies Parties
Jumlah Subjumlah Subjumlah 16,920,324 Subtotal Subtotal Total Jumlah Subjumlah Subjumlah 15,263,447 Subtotal Subtotal Total
Pinjaman Seluruh Seluruh on all on all Conventional Pinjaman Seluruh Seluruh on all on all Conventional
konvensional Pihak Mata Uang Currencies Parties and sharia konvensional Pihak Mata Uang Currencies Parties and sharia
dan syariah loans dan syariah loans
Jumlah pinjaman berdasarkan mata uang dan pihak Total loans by currencies and
parties
30 June 2026 31 December 2025
Jumlah pinjaman berdasarkan mata uang dan pihak Total loans
by
currencies
and parties
Jumlah pinjaman, kotor 16,920,324 15,263,447 Total
loans,
gross
Cadangan kerugian penurunan nilai pada pinjaman ( 347,614 ) ( 405,373 ) Allowance
yang diberikan for
impairment
losses for
loans
Jumlah pinjaman, bersih 16,572,710 14,858,074 Total
loans, net
Page 37
[4612000_BD] Notes to the financial statements - Right of Use Assets (breakdown) - Financial and Sharia Industry
Aset hak guna Right of use assets
Aset hak guna [baris komponen]
Aset hak Penambahan aset hak Pengurangan aset hak Reklasifikasi aset hak Penjabaran laporan keuangan aset hak Entitas anak baru aset hak Revaluasi aset hak Penurunan (pemulihan) nilai aset hak Aset hak
guna guna guna guna guna guna guna guna guna
Nilai perolehan, Mesin, aset hak guna Machinery, right of use assets Carrying amount, gross
kotor Alat pengangkutan, aset hak Transportation equipment, right of use
guna assets
Alat berat, aset hak guna Heavy equipment, right of use assets
Bangunan, aset hak guna Building, right of use assets
Pesawat, aset hak guna Aircraft, right of use assets
Kapal, aset hak guna Vessels, right of use assets
Lainnya, aset hak guna 227,498 11,063 238,561 Others, right of use assets
Aset hak guna 227,498 11,063 238,561 Right of use assets
Akumulasi Mesin, aset hak guna Machinery, right of use assets Carrying amount, accumulated
depresiasi Alat pengangkutan, aset hak Transportation equipment, right of use depreciation
guna assets
Alat berat, aset hak guna Heavy equipment, right of use assets
Bangunan, aset hak guna Building, right of use assets
Pesawat, aset hak guna Aircraft, right of use assets
Kapal, aset hak guna Vessels, right of use assets
Lainnya, aset hak guna 156,318 20,352 176,670 Others, right of use assets
Aset hak guna 156,318 20,352 176,670 Right of use assets
Aset hak guna Right of use assets
Aset hak guna [baris komponen]
Aset hak guna Penambahan aset hak guna Pengurangan aset hak guna Reklasifikasi aset hak guna Penjabaran laporan keuangan aset hak guna Entitas anak baru aset hak guna Revaluasi aset hak guna Penurunan (pemulihan) nilai aset hak guna Aset hak guna
Nilai perolehan Aset hak guna 71,180 61,891 Right of use assets Carrying amount
Page 38
[4612000_BD] Notes to the financial statements - Right of Use Assets (breakdown) - Financial and Sharia Industry - Prior Year
Aset hak guna Right of use assets
Aset hak guna [baris komponen]
Aset hak Penambahan aset hak Pengurangan aset hak Reklasifikasi aset hak Penjabaran laporan keuangan aset hak Entitas anak baru aset hak Revaluasi aset hak Penurunan (pemulihan) nilai aset hak Aset hak
guna guna guna guna guna guna guna guna guna
Nilai perolehan, Mesin, aset hak guna Machinery, right of use assets Carrying amount, gross
kotor Alat pengangkutan, aset hak Transportation equipment, right of use
guna assets
Alat berat, aset hak guna Heavy equipment, right of use assets
Bangunan, aset hak guna Building, right of use assets
Pesawat, aset hak guna Aircraft, right of use assets
Kapal, aset hak guna Vessels, right of use assets
Lainnya, aset hak guna 221,857 7,962 ( 2,321 ) 227,498 Others, right of use assets
Aset hak guna 221,857 7,962 ( 2,321 ) 227,498 Right of use assets
Akumulasi Mesin, aset hak guna Machinery, right of use assets Carrying amount, accumulated
depresiasi Alat pengangkutan, aset hak Transportation equipment, right of use depreciation
guna assets
Alat berat, aset hak guna Heavy equipment, right of use assets
Bangunan, aset hak guna Building, right of use assets
Pesawat, aset hak guna Aircraft, right of use assets
Kapal, aset hak guna Vessels, right of use assets
Lainnya, aset hak guna 123,514 35,125 ( 2,321 ) 156,318 Others, right of use assets
Aset hak guna 123,514 35,125 ( 2,321 ) 156,318 Right of use assets
Aset hak guna Right of use assets
Aset hak guna [baris komponen]
Aset hak guna Penambahan aset hak guna Pengurangan aset hak guna Reklasifikasi aset hak guna Penjabaran laporan keuangan aset hak guna Entitas anak baru aset hak guna Revaluasi aset hak guna Penurunan (pemulihan) nilai aset hak guna Aset hak guna
Nilai perolehan Aset hak guna 98,343 71,180 Right of use assets Carrying amount
Page 39
[4612100] Disclosure of Notes to the financial statements - Right of Use Assets - Financial and Sharia Industry
Pengungkapan Disclosure
30 June 2026
Pengungkapan Disclosure
Pengungkapan catatan atas aset hak guna Aset hak guna pada tanggal-tanggal 30 Juni 2026 dan 31 Desember 2025 merupakan kontrak sewa Disclosure of notes for right of use
atas bangunan kantor cabang, mobil, komputer, mesin sortir uang, EDC, dan ATM baik dengan pihak assets
berelasi maupun pihak ketiga. Bank melakukan perjanjian sewa aset dengan syarat dan ketentuan
yang diantaranya mencakup periode sewa berkisar antara 1 - 5 tahun, memiliki opsi perpanjangan
masa sewa, tidak memiliki opsi early-termination dan tidak memiliki opsi pembelian diakhir masa sewa.
Page 40
[4612100a_BD] Notes to the financial statements - Loans and Sharia receivables - by type (breakdown) - Financial and Sharia Industry
30 June 2026
Pinjaman berdasarkan tipe
Jumlah pinjaman, kotor
Total loans, gross
Current Special mention Substandard Doubtful Loss Total Loans by
Jumlah Pinjama
Lancar Dalam perhatian khusus Kurang lancar Diragukan Macet
Rupiah Modal kerja 8,933,193 653,038 107,983 156,667 194,872
Investasi 3,725,552 534,269 72,782 146,070
Sindikasi
Program
pemerintah
Karyawan
Ekspor
Subjumlah
pinjaman
lainnya
Konsumen 1,761,753 150,508 3,704 7,363 6,101
Subjumlah 14,420,498 1,337,815 184,469 164,030 347,043
Pinjaman
berdasarkan
tipe
Mata Modal kerja 173,599
uang
asing Investasi 292,870
Sindikasi
Program
pemerintah
Karyawan
Ekspor
Subjumlah
pinjaman
lainnya
Konsumen
Page 41
Subjumlah 466,469
Pinjaman
berdasarkan
tipe
30 June 2026
Pinjaman berdasarkan tipe
Jumlah pinjaman, kotor
Total loans, gross
Current Special mention Substandard Doubtful Loss Total Loan
Jumlah Pinj
Lancar Dalam perhatian khusus Kurang lancar Diragukan Macet
Subjumlah Subjumlah 14,886,967 1,337,815 184,469 164,030 347,043
Seluruh Pinjaman
Mata berdasarkan
Uang tipe
30 June 2026
Pinjaman berdasarkan tipe
Current Loss Substandard Doubtful Special mention Total Loans by collectibil
Jumlah Pinjaman berdasar
Lancar Macet Kurang lancar Diragukan Dalam perhatian khusus
kolektibilitas
Jumlah
pinjaman
berdasarkan
tipe
Jumlah 14,886,967 347,043 184,469 164,030 1,337,815
pinjaman,
kotor
Cadangan ( 111,727 ) ( 93,416 ) ( 13,755 ) ( 86,509 ) ( 42,207 )
kerugian
penurunan
nilai pada
pinjaman
yang
diberikan
Page 42
Jumlah 14,775,240 253,627 170,714 77,521 1,295,608 pinjaman, bersih
Page 43
[4613100a_BD] Notes to the financial statements - Loans and Sharia receivables - by Economic Sector (breakdown) - Financial and Sharia
Industry
30 June 2026
Pinjaman berdasarkan sektor ekonomi
Jumlah pinjaman, kotor
Total loans, gross
Current Special mention Substandard Doubtful Loss Total Loans
Jumlah Pinjam
Lancar Dalam perhatian khusus Kurang lancar Diragukan Macet
Rupiah Perindustrian 2,934,019 83,523 172,776 118,148 602
Perdagangan, 2,759,967 66,361 3,563 1,942 281,480
restoran dan
hotel
Pertanian 36,575 331 28,170
Jasa dunia 246,458 125 2
usaha
Konstruksi 429,946 264,990 4,426 20,777
Pengangkutan, 218,954 39,316
pergudangan
dan
komunikasi
Listrik, gas dan 183,572 23,854
air
Jasa sosial 334,938 7,287
Pertambangan 209,978 11,203
Properti 557,988 209,688 36,576 3,818
Lain-lain 6,508,103 631,137 3,704 7,362 12,196
Subjumlah 14,420,498 1,337,815 184,469 164,030 347,043
Pinjaman
berdasarkan
sektor
ekonomi
Mata Perindustrian 279,811
uang Perdagangan, 104,373
asing restoran dan
hotel
Page 44
Pertanian
Jasa dunia
usaha
Konstruksi
Pengangkutan, 24,670
pergudangan
dan
komunikasi
Listrik, gas dan
air
Jasa sosial
Pertambangan 57,615
Properti
Lain-lain
Subjumlah 466,469
Pinjaman
berdasarkan
sektor
ekonomi
30 June 2026
Pinjaman berdasarkan sektor ekonomi
Jumlah pinjaman, kotor
Total loans, gross
Current Special mention Substandard Doubtful Loss Total Loan
Jumlah Pinj
Lancar Dalam perhatian khusus Kurang lancar Diragukan Macet
Subjumlah Subjumlah 14,886,967 1,337,815 184,469 164,030 347,043
Seluruh Pinjaman
Mata berdasarkan
Uang sektor
ekonomi
30 June 2026
Pinjaman berdasarkan sektor ekonomi Loans by e
Page 45
Current Special mention Substandard Doubtful Loss Total Loans by collectibil
Jumlah Pinjaman berdasar
Lancar Dalam perhatian khusus Kurang lancar Diragukan Macet
kolektibilitas
Jumlah
pinjaman
berdasarkan
sektor
ekonomi
Jumlah 14,886,967 1,337,815 184,469 164,030 347,043
pinjaman,
kotor
Cadangan ( 111,727 ) ( 42,207 ) ( 13,755 ) ( 86,509 ) ( 93,416 )
kerugian
penurunan
nilai pada
pinjaman
yang
diberikan
Jumlah 14,775,240 1,295,608 170,714 77,521 253,627
pinjaman,
bersih
Page 46
[4614100] Notes to the financial statements - Loans and Sharia receivables - Other Information - Financial and Sharia Industry
Informasi penting lainnya Loans other information
30 June 2026 31 December 2025
Informasi penting lainnya Loans other
information
Tingkat suku bunga rata-rata (yield) dan kisaran Annual average
bagi hasil per tahun yield rate and
indicative profit
sharing
Tingkat suku bunga rata-rata per tahun Annual yield
rate
Tingkat suku bunga rata-rata per tahun rupiah Annual
yield rate of
rupiah loans
Tingkat suku bunga rata-rata per tahun mata Annual
uang asing yield rate of
foreign
currencies
loans
Kisaran bagi hasil per tahun Annual
indicative
profit sharing
Kisaran bagi hasil per tahun piutang Indicative
murabahan dan istishna profit
sharing of
murabahah
and istishna
receivables
Kisaran bagi hasil per tahun pembiayaan Indicative
musyarakah profit
sharing of
musyarakah
financing
Kisaran bagi hasil per tahun pembiayaan Indicative
syariah lainnya profit
sharing of
other sharia
financing
Cadangan kerugian penurunan nilai Movement of
allowance for
impairment
Page 47
losses on loans
Cadangan kerugian penurunan nilai, awal periode 405,373 311,514 Allowance for
impairment of
losses,
beginning
period
Pembentukan selama tahun berjalan 94,512 819,038 Provision
during the year
of allowance
for impairment
losses on loans
Penghapusbukuan ( 103,627 ) ( 500,566 ) Writing off of
allowance for
impairment
losses on loans
Pemulihan pinjaman yang telah dihapusbukukan ( 48,644 ) ( 226,958 ) Recoveries of
written-off of
allowance for
impairment
losses on loans
Cadangan lain-lain Others
allowance for
impairment
losses on loans
Dampak selisih akibat perbedaan kurs terhadap 0 2,345 Foreign
cadangan kerugian penurunan nilai pinjaman exchange
diberikan translation
impact on
allowance for
impairment
losses on loans
Cadangan kerugian penurunan nilai, akhir 347,614 405,373 Allowance for
periode impairment of
losses, ending
period
Rasio pinjaman Loan ratios
Non-performing financing - gross 4.11 0.00000298 Non-performing
financing -
gross
Non-performing financing - net 3.23 0.0000020 Non-performing
financing - net
Page 48
[4614110] Disclosure of Notes to the financial statements - Loans and Sharia receivables - Financial and Sharia Industry
Pengungkapan Disclosure
30 June 2026
Pengungkapan Disclosure
Pengungkapan catatan atas pinjaman dan piutang syariah Kredit yang diberikan kepada karyawan Bank merupakan kredit konsumsi dengan jangka waktu 1 Disclosure of notes for loans and
tahun sampai 13 tahun dengan tingkat suku bunga per tahun berkisar antara 0,00% - 10,21% yang sharia receivables/financing
pelunasannya dilakukan melalui pemotongan gaji setiap bulan. Rasio kredit bermasalah () - Bruto Bank
per 30 Juni 2026 dan 31 Desember 2025 masing-masing sebesar 4,11% dan 2,98%. NPL - Neto Bank
per 30 Juni 2026 dan 31 Desember 2025 masing-masing sebesar 3,23% dan 2,00%.
Page 49
[4621100_BD] Notes to the financial statements - Current Accounts and Wadiah Demand deposits (breakdown) - Financial and Sharia Industry
30 June 2026 31 December 2025
Giro dan giro wadiah Current accounts and wadiah demand Giro dan giro wadiah Current accounts and wadiah demand
deposits deposits
Giro Pihak Rupiah 5,086,509 Rupiah Related Current accounts Giro Pihak Rupiah 3,889,475 Rupiah Related Current accounts
berelasi Mata uang asing 702,494 Foreign parties berelasi Mata uang asing 116,144 Foreign parties
currencies currencies
Subjumlah Seluruh 5,789,003 Subtotal on all Subjumlah Seluruh 4,005,619 Subtotal on all
Mata Uang Currencies Mata Uang Currencies
Pihak Rupiah 4,368,115 Rupiah Third Pihak Rupiah 4,343,798 Rupiah Third
ketiga Mata uang asing 323,393 Foreign parties ketiga Mata uang asing 596,863 Foreign parties
currencies currencies
Subjumlah Seluruh 4,691,508 Subtotal on all Subjumlah Seluruh 4,940,661 Subtotal on all
Mata Uang Currencies Mata Uang Currencies
Giro Pihak Rupiah Rupiah Related Wadiah demand Giro Pihak Rupiah Rupiah Related Wadiah demand
wadiah berelasi Mata uang asing Foreign parties deposits wadiah berelasi Mata uang asing Foreign parties deposits
currencies currencies
Subjumlah Seluruh Subtotal on all Subjumlah Seluruh Subtotal on all
Mata Uang Currencies Mata Uang Currencies
Pihak Rupiah Rupiah Third Pihak Rupiah Rupiah Third
ketiga Mata uang asing Foreign parties ketiga Mata uang asing Foreign parties
currencies currencies
Subjumlah Seluruh Subtotal on all Subjumlah Seluruh Subtotal on all
Mata Uang Currencies Mata Uang Currencies
30 June 2026 31 December 2025
Giro dan giro wadiah Current accounts and wadiah demand Giro dan giro wadiah Current accounts and wadiah demand
deposits deposits
Giro Subjumlah Subjumlah Seluruh 10,480,511 Subtotal on all Subtotal on Current Giro Subjumlah Subjumlah Seluruh 8,946,280 Subtotal on all Subtotal on Current
Seluruh Pihak Mata Uang Currencies all Parties accounts Seluruh Pihak Mata Uang Currencies all Parties accounts
Giro Subjumlah Subjumlah Seluruh Subtotal on all Subtotal on Wadiah Giro Subjumlah Subjumlah Seluruh Subtotal on all Subtotal on Wadiah
Page 50
wadiah Seluruh Pihak Mata Uang Currencies all Parties demand wadiah Seluruh Pihak Mata Uang Currencies all Parties demand
deposits deposits
Page 51
[4622100_BD] Notes to the financial statements - Savings Deposits and Wadiah Savings Deposits (breakdown) - Financial and Sharia Industry
30 June 2026 31 December 2025
Tabungan dan tabungan Savings deposits and wadiah savings Tabungan dan tabungan Savings deposits and wadiah savings
wadiah deposits wadiah deposits
Tabungan Pihak Rupiah 7,681 Rupiah Related Savings Tabungan Pihak Rupiah 1,582 Rupiah Related Savings
berelasi Mata uang asing 656 Foreign parties deposits berelasi Mata uang asing 670 Foreign parties deposits
currencies currencies
Subjumlah 8,337 Subtotal on all Subjumlah 2,252 Subtotal on all
Seluruh Mata Currencies Seluruh Mata Currencies
Uang Uang
Pihak Rupiah 1,360,215 Rupiah Third Pihak Rupiah 1,251,265 Rupiah Third
ketiga Mata uang asing 39,681 Foreign parties ketiga Mata uang asing 20,555 Foreign parties
currencies currencies
Subjumlah 1,399,896 Subtotal on all Subjumlah 1,271,820 Subtotal on all
Seluruh Mata Currencies Seluruh Mata Currencies
Uang Uang
Tabungan Pihak Rupiah Rupiah Related Wadiah Tabungan Pihak Rupiah Rupiah Related Wadiah
wadiah berelasi Mata uang asing Foreign parties savings wadiah berelasi Mata uang asing Foreign parties savings
currencies deposits currencies deposits
Subjumlah Subtotal on all Subjumlah Subtotal on all
Seluruh Mata Currencies Seluruh Mata Currencies
Uang Uang
Pihak Rupiah Rupiah Third Pihak Rupiah Rupiah Third
ketiga Mata uang asing Foreign parties ketiga Mata uang asing Foreign parties
currencies currencies
Subjumlah Subtotal on all Subjumlah Subtotal on all
Seluruh Mata Currencies Seluruh Mata Currencies
Uang Uang
30 June 2026 31 December 2025
Tabungan dan tabungan wadiah Savings deposits and wadiah Tabungan dan tabungan wadiah Savings deposits and wadiah
Page 52
savings deposits savings deposits
Tabungan Subjumlah Subjumlah 1,408,233 Subtotal on Subtotal Savings Tabungan Subjumlah Subjumlah 1,274,072 Subtotal on Subtotal Savings
Seluruh Seluruh Mata all on all deposits Seluruh Seluruh Mata all Currenci on all deposits
Pihak Uang Currencies Parties Pihak Uang es Parties
Tabungan Subjumlah Subjumlah Subtotal on Subtotal Wadiah Tabungan Subjumlah Subjumlah Subtotal on Subtotal Wadiah
wadiah Seluruh Seluruh Mata all on all savings wadiah Seluruh Seluruh Mata all on all savings
Pihak Uang Currencies Parties deposits Pihak Uang Currencies Parties deposits
Page 53
[4623100_BD] Notes to the financial statements - Time deposits and Wakalah deposits (breakdown) - Financial and Sharia Industry
30 June 2026 31 December 2025
Deposito berjangka dan Time deposits and wakalah Deposito berjangka dan Time deposits and wakalah
deposito wakalah deposits deposito wakalah deposits
Deposito Pihak Rupiah 2,013,200 Rupiah Related Time Deposito Pihak Rupiah 1,852,282 Rupiah Related Time
berjangka berelasi Mata uang asing 10,342 Foreign parties deposits berjangka berelasi Mata uang asing 3,950 Foreign parties deposits
currencies currencies
Subjumlah Seluruh 2,023,542 Subtotal on all Subjumlah Seluruh 1,856,232 Subtotal on all
Mata Uang Currencies Mata Uang Currencies
Pihak Rupiah 11,321,121 Rupiah Third Pihak Rupiah 14,248,704 Rupiah Third
ketiga Mata uang asing 894,034 Foreign parties ketiga Mata uang asing 934,390 Foreign parties
currencies currencies
Subjumlah Seluruh 12,215,155 Subtotal on all Subjumlah Seluruh 15,183,094 Subtotal on all
Mata Uang Currencies Mata Uang Currencies
Deposito Pihak Rupiah Rupiah Related Wakalah Deposito Pihak Rupiah Rupiah Related Wakalah
wakalah berelasi Mata uang asing Foreign parties deposits wakalah berelasi Mata uang asing Foreign parties deposits
currencies currencies
Subjumlah Seluruh Subtotal on all Subjumlah Seluruh Subtotal on all
Mata Uang Currencies Mata Uang Currencies
Pihak Rupiah Rupiah Third Pihak Rupiah Rupiah Third
ketiga Mata uang asing Foreign parties ketiga Mata uang asing Foreign parties
currencies currencies
Subjumlah Seluruh Subtotal on all Subjumlah Seluruh Subtotal on all
Mata Uang Currencies Mata Uang Currencies
30 June 2026 31 December 2025
Deposito berjangka dan Time deposits and wakalah Deposito berjangka dan Time deposits and wakalah
deposito wakalah deposits deposito wakalah deposits
Deposito Subjumlah Subjumlah 14,238,697 Subtotal on Subtotal Time Deposito Subjumlah Subjumlah 17,039,326 Subtotal on Subtotal Time
berjangka Seluruh Seluruh Mata all on all deposits berjangka Seluruh Seluruh Mata all on all deposits
Page 54
Pihak Uang Currencies Parties Pihak Uang Currencies Parties
Deposito Subjumlah Subjumlah Subtotal on Subtotal Wakalah Deposito Subjumlah Subjumlah Subtotal on Subtotal Wakalah
wakalah Seluruh Seluruh Mata all on all deposits wakalah Seluruh Seluruh Mata all on all deposits
Pihak Uang Currencies Parties Pihak Uang Currencies Parties
Page 55
[4624100] Notes to the financial statements - Annual average interest rate Third Party Funds - Financial and Sharia Industry
30 June 2026 31 December 2025
Tingkat bunga rata-rata per tahun Annual average interest rate Tingkat bunga rata-rata per tahun Annual average interest rate
dana pihak ketiga third party funds dana pihak ketiga third party funds
Tingkat bunga giro Rupiah 4.97 Rupiah Current accounts Tingkat bunga giro Rupiah 5.29 Rupiah Current accounts
Mata uang asing 1.72 Foreign interest rate Mata uang asing 4.05 Foreign interest rate
currencies currencies
Subjumlah Seluruh 6.68 Subtotal on all Subjumlah Seluruh 9.34 Subtotal on all
Mata Uang Currencies Mata Uang Currencies
Imbal hasil giro wadiah Rupiah Rupiah Wadiah demand Imbal hasil giro wadiah Rupiah Rupiah Wadiah demand
Mata uang asing Foreign deposits return Mata uang asing Foreign deposits return
currencies currencies
Subjumlah Seluruh Subtotal on all Subjumlah Seluruh Subtotal on all
Mata Uang Currencies Mata Uang Currencies
Tingkat bunga Rupiah 2.06 Rupiah Savings deposits Tingkat bunga Rupiah 2.08 Rupiah Savings deposits
tabungan Mata uang asing 1.06 Foreign interest rate tabungan Mata uang asing 1.12 Foreign interest rate
currencies currencies
Subjumlah Seluruh 3.11 Subtotal on all Subjumlah Seluruh 3.2 Subtotal on all
Mata Uang Currencies Mata Uang Currencies
Imbal hasil tabungan Rupiah Rupiah Wadiah savings Imbal hasil tabungan Rupiah Rupiah Wadiah savings
wadiah Mata uang asing Foreign deposits return wadiah Mata uang asing Foreign deposits return
currencies currencies
Subjumlah Seluruh Subtotal on all Subjumlah Seluruh Subtotal on all
Mata Uang Currencies Mata Uang Currencies
Tingkat bunga deposito Rupiah 4.92 Rupiah Time deposits Tingkat bunga deposito Rupiah 5.91 Rupiah Time deposits
berjangka Mata uang asing 3.63 Foreign interest rate berjangka Mata uang asing 3.93 Foreign interest rate
currencies currencies
Subjumlah Seluruh 8.55 Subtotal on all Subjumlah Seluruh 9.83 Subtotal on all
Mata Uang Currencies Mata Uang Currencies
Imbal hasil deposito Rupiah Rupiah Wakalah deposits Imbal hasil deposito Rupiah Rupiah Wakalah deposits
wakalah Mata uang asing Foreign return wakalah Mata uang asing Foreign return
currencies currencies
Subjumlah Seluruh Subtotal on all Subjumlah Seluruh Subtotal on all
Mata Uang Currencies Mata Uang Currencies
Page 56
Page 57
[4624110] Disclosure of Notes to the financial statements - Third Party Funds - Financial and Sharia Industry
Pengungkapan Disclosure
30 June 2026
Pengungkapan Disclosure
Pengungkapan catatan atas dana pihak ketiga Pada tanggal-tanggal 30 Juni 2026 dan 31 Desember 2025, jumlah giro yang dijaminkan sebagai Disclosure of notes for third party
jaminan kredit yang diberikan masing-masing sebesar Rp1.448.730 dan Rp285.306. dan tidak terdapat funds
giro yang dijadikan jaminan atas bank garansi diterbitkan. Pada tanggal-tanggal 30 Juni 2026 dan 31
Desember 2025, tidak terdapat tabungan yang dijadikan jaminan atas kredit yang diberikan dan Bank
garansi yang diterbitkan.
Page 58
[4631100] Notes to the financial statements - Interest and Sharia Income - Financial and Sharia Industry
Pendapatan bunga dan syariah Interest and sharia income
30 June 2026 30 June 2025
Pendapatan bunga dan syariah Interest and
sharia income
Pendapatan bunga Interest
income
Kredit yang diberikan 586,695 592,731 Loans
interest
income
Obligasi pemerintah Government
bonds
interest
income
Pendapatan pembiayaan konsumen Consumer
financing
receivables
- net interest
income
Efek-efek 363,048 201,869 Marketable
securities
income
Penempatan pada Bank Indonesia dan bank lain 31,571 57,851 Placements
with Bank
Indonesia
and other
banks
income
Lain-lain 25,665 29,891 Other
interest
income
Subjumlah pendapatan bunga 1,006,979 882,342 Subtotal
interest
income
Pendapatan syariah dan pendapatan pengelolaan Sharia income
dana oleh bank sebagai mudharib
Pendapatan keuntungan murabahah dan Murabahah
pendapatan bersih istishna and istishna
income
Pendapatan bagi hasil musyarakah Musyrakah
Page 59
profit
sharing
Pendapatan bagi hasil mudharabah Mudharabah
profit
sharing
Pendapatan ujrah dari pinjaman qardh Ujrah
income from
qardh
financing
Pendapatan bersih ijarah Ijarah
income
Lain-lain Other sharia
income
Subjumlah pendapatan syariah dan Subtotal
pendapatan pengelolaan dana oleh bank sharia
sebagai mudharib income
Jumlah pendapatan bunga dan syariah 1,006,979 882,342 Total interest
and sharia
income
Page 60
[4631110] Disclosure of Interest and Sharia Income - Financial and Sharia Industry
Pengungkapan Disclosure
30 June 2026
Pengungkapan Disclosure
Pengungkapan catatan atas pendapatan bunga dan CALK 28 Disclosure of interest and sharia
syariah income
Page 61
[4632100] Notes to the financial statements - Interest and Sharia Expense - Financial and Sharia Industry
Beban bunga dan syariah Interest and sharia expense
30 June 2026 30 June 2025
Beban bunga dan syariah Interest and
sharia expense
Beban bunga Interest
expense
Deposito berjangka 374,235 426,744 Time
deposits
interest
expense
Tabungan 19,255 10,427 Saving
deposits
interest
expense
Pinjaman yang diterima 10,275 7,411 Borrowings
interest
expense
Premi penjaminan dana pihak ketiga 26,625 16,116 Premium on
third party
fund
guarantees
Giro 223,319 114,813 Current
accounts
interest
expense
Efek-efek yang diterbitkan Securities
issued
interest
expense
Pinjaman dan efek-efek subordinasi Subordinated
securities
interest
expense
Lain-lain 26,263 2,301 Others
interest
expense
interest
expense
Subjumlah beban bunga 679,972 577,812 Subtotal
interest
Page 62
expense
Beban syariah dan hak pihak ketiga atas bagi Sharia expense
hasil dana syirkah temporer
Beban deposito mudharabah Mudharabah
deposits
expense
Beban tabungan mudharabah Mudharabah
savings
expense
Beban giro mudharabah Mudharabah
demand
deposits
expense
Beban pinjamam mudharabah Mudharabah
financing
expense
Beban investasi terikat Related
investment
expense
Musytarakah - mudharabah musytarakah Musytarakah
-
mudharabah
musytarakah
expense
Sertifikat investasi mudharabah antarbank Mudharabah
investment
certificate
expense
Sukuk Sukuk
expense
Piutang murabahah Murabahah
receivables
expense
Pinjaman qardh Qardh fund
expense
Lain-lain Other sharia
expense
Subjumlah beban syariah dan hak pihak Subtotal
ketiga atas bagi hasil dana syirkah temporer sharia
expense
Jumlah beban bunga dan syariah 679,972 577,812 Total interest
and sharia
expense
Page 63
[4632110] Disclosure of Notes to the financial statements - Interest Expense - Financial and Sharia Industry
Pengungkapan Disclosure
30 June 2026
Pengungkapan Disclosure
Pengungkapan catatan atas beban bunga CALK 29 Disclosure of notes for interest
expense
Names mentioned 5 people and organisations named in the text · linked when the evidence is strong
unresolved
org
National Corporation
p.2
unresolved
org
Bank Indonesia
p.4 ×12
unresolved
org
Bank Indonesia Giro
p.4
unresolved
org
Bank Giro
p.11
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