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Bukti Publikasi Website BTPN Syariah (28 Oktober 2025)
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LAPORANLAPORAN KEUANGAN
KEUANGAN
PT BANK BTPN
PT BANK SYARIAH
BTPN SYARIAH
31 Juli 2025
TBK Tbk
30 September 2025
LAPORAN POSISI KEUANGAN (NERACA) TRIWULANAN LAPORAN LABA RUGI DAN PENGHASILAN KOMPREHENSIF LAIN TRIWULANAN LAPORAN PERHITUNGAN KEWAJIBAN PENYEDIAAN MODAL MINIMUM (KPMM) TRIWULANAN
Tanggal 30 September 2025 dan 31 Desember 2024 (Dalam Jutaan Rupiah) Tanggal 30 September 2025 dan 2024 (Dalam Jutaan Rupiah, kecuali laba bersih per saham) Tanggal 30 September 2025 dan 2024 (Dalam Jutaan Rupiah)
INDIVIDUAL KONSOLIDASI INDIVIDUAL KONSOLIDASI 30 September 2025 30 September 2024
No. KOMPONEN MODAL
No. POS-POS 30 September 2025 31 Desember 2024 30 September 2025 31 Desember 2024 No. POS-POS 30 September 2025 30 September 2024 30 September 2025 30 September 2024 Individual Konsolidasi Individual Konsolidasi
Tidak Diaudit Diaudit Tidak Diaudit Diaudit Tidak Diaudit Tidak Diaudit Tidak Diaudit Tidak Diaudit IModal Inti (Tier 1)
PENDAPATAN DAN BEBAN OPERASIONAL 1 Modal Inti Utama (CET 1)
ASET A. Pendapatan dan Beban Operasional dari Penyaluran Dana 1,1 Modal Disetor (setelah dikurangi saham treasury) 770.370 770.370 770.346 770.346
1. Kas 509.817 592.911 509.817 592.911 1. Pendapatan Penyaluran Dana 3.916.618 4.057.944 3.924.133 4.067.172 1,2 Cadangan Tambahan Modal
2. Penempatan pada Bank Indonesia 1.710.587 1.669.329 1.710.587 1.669.329 a. Pendapatan dari piutang 1.2.1 Faktor Penambah
3. Penempatan pada bank lain 7.722 2.195 264.048 251.956 i. Murabahah 3.434.093 3.641.521 3.434.093 3.641.521 1.2.1.1 Penghasilan Komprehensif Lain
4. Tagihan spot dan forward - - - - ii. Istishna' - - - - 1.2.1.1.1 Selisih lebih karena penjabaran laporan keuangan - - - -
5. Surat berharga yang dimiliki 9.750.118 8.849.141 9.804.750 8.901.904 iii. Multijasa - - - - 1.2.1.1.2 Potensi keuntungan dari peningkatan nilai wajar aset keuangan yang diukur pada nilai wajar melalui penghasilan komprehensif lain 176 176 81 81
6. Tagihan atas surat berharga yang dibeli dengan janji dijual kembali (reverse repo ) - - - - iv. Ujrah - - - - 1.2.1.1.3 Saldo surplus revaluasi aset tetap 13.053 13.053 5.239 5.239
7. Tagihan akseptasi - - - - v. Lainnya - - - - 1.2.1.2 Cadangan Tambahan modal lainnya (other disclosed reserves)
8. Piutang b. Pendapatan dari bagi hasil 1.2.1.2.1 Agio saham biasa 880.996 880.996 880.356 880.356
a. Piutang murabahah 9.383.718 9.641.128 9.383.718 9.641.128 i. Mudharabah - - - - 1.2.1.2.2 Cadangan umum 165.000 165.000 145.000 145.000
b. Piutang istishna’ - - - - ii. Musyarakah 25.813 5.559 25.813 5.559 1.2.1.2.3 Laba tahun-tahun lalu setelah diperhitungkan pajak 7.147.041 7.155.336 6.360.097 6.379.838
c. Piutang multijasa - - - - iii. Lainnya - - - - 1.2.1.2.4 Laba tahun berjalan setelah diperhitungkan pajak 967.983 945.666 764.470 770.562
d. Piutang qardh 65 64 65 64 c. Pendapatan sewa - - - - 1.2.1.2.5 Dana setoran modal - - - -
e. Piutang sewa - - - - d. Lainnya 456.712 410.864 464.227 420.092 1.2.1.2.6 Modal sumbangan - - - -
9. Pembiayaan bagi hasil 2. Bagi hasil untuk pemilik dana investasi -/- (369.058) (382.534) (367.467) (382.525) 1.2.1.2.7 Waran yang diterbitkan - - - -
a. Mudharabah - - - - a. Non profit sharing (369.058) (382.534) (367.467) (382.525) 1.2.1.2.8 Opsi saham yang diterbitkan dalam rangka program kompensasi berbasis saham - - - -
b. Musyarakah 419.131 530.567 419.131 530.567 b. Profit sharing - - - - 1.2.2 Faktor Pengurang
c. Lainnya - - - - 3. Pendapatan Setelah Distribusi Bagi Hasil 3.547.560 3.675.410 3.556.666 3.684.647 1.2.2.1 Penghasilan Komprehensif Lain
10. Pembiayaan sewa - - - - B. Pendapatan dan Beban Operasional Selain dari Penyaluran Dana 1.2.2.1.1 Selisih kurang penjabaran laporan keuangan - - - -
11. Penyertaan modal 297.000 297.000 - - 1. Keuntungan/kerugian dari peningkatan/penurunan nilai wajar aset keuangan - - - - 1.2.2.1.2 Potensi kerugian dari penurunan nilai wajar aset keuangan yang diukur pada nilai wajar melalui penghasilan komprehensif lain - - - -
12. Aset keuangan lainnya 205.857 249.534 205.857 249.534 2. Keuntungan/kerugian dari penurunan/peningkatan nilai wajar liabilitas keuangan - - - - 1.2.2.2 Cadangan Tambahan modal lainnya (other disclosed reserves)
13. Cadangan kerugian penurunan nilai aset keuangan -/- (860.491) (924.274) (883.223) (924.274) 3. Keuntungan/kerugian penjualan aset keuangan - - - - 1.2.2.2.1 Disagio saham biasa - - - -
14. Salam - - - - 4. Keuntungan/kerugian transaksi spot dan forward (realised) - - - - 1.2.2.2.2 Rugi tahun-tahun lalu yang dapat diperhitungkan - - - -
15. Aset istishna’ dalam penyelesaian - - - - 5. Keuntungan/kerugian dari penyertaan dengan equity method - - - - 1.2.2.2.3 Rugi tahun berjalan yang dapat diperhitungkan - - - -
Termin istishna’ -/- - - - - 6. Keuntungan/kerugian penjabaran transaksi valuta asing - - 1.886 (1.344) 1.2.2.2.4 Selisih kurang antara Penyisihan Penghapusan Aset (PPA) dan Cadangan Kerugian Penurunan Nilai (CKPN) atas aset produktif - - - -
16. Persediaan - - - - 7. Pendapatan bank selaku mudharib dalam mudharabah muqayyadah - - - - 1.2.2.2.5 Selisih kurang jumlah penyesuaian nilai wajar dari instrumen keuangan dalam Trading Book - - - -
17. Aset tidak berwujud 196.181 212.953 196.181 212.953 8. Dividen - - - - 1.2.2.2.6 PPA atas aset nonproduktif yang wajib dibentuk - - - -
18. Aset tetap dan inventaris 304.693 335.042 304.693 335.055 9. Komisi/provisi/fee dan administrasi 1.344 1.094 1.344 1.094 1,3 Kepentingan nonpengendali yang dapat diperhitungkan
19. Aset nonproduktif 10. Pendapatan lainnya 32.586 55.127 32.586 55.127 1,4 Faktor pengurang Modal Inti Utama
a. Properti terbengkalai - - - - 11. Beban bonus wadiah -/- (171) (308) (171) (308) 1.4.1 Perhitungan pajak tangguhan (215.723) (215.723) (220.784) (220.520)
b. Agunan yang diambil alih - - - - 12. Beban (pemulihan) kerugian penurunan nilai aset keuangan (impairment ) -/- (608.079) (1.108.028) (630.810) (1.108.421) 1.4.2 Goodwill - - - -
c. Rekening tunda - - - - 13. Kerugian terkait risiko operasional -/- (3.216) (5.933) (3.216) (5.933) 1.4.3 Seluruh Aset tidak berwujud lainnya (196.181) (196.181) (211.249) (211.249)
d. Aset antar kantor - - - - 14. Beban (pemulihan) kerugian penurunan nilai aset lainnya (non keuangan) -/- - - - - 1.4.4 Penyertaan yang diperhitungan sbg faktor pengurang (297.000) - (297.000) -
20. Aset lainnya 293.253 281.066 293.253 286.453 15. Beban tenaga kerja -/- (1.149.695) (1.068.698) (1.152.987) (1.070.204) 1.4.5 Kekurangan modal pada perusahaan anak asuransi - - - -
16. Beban promosi -/- (5.423) (6.643) (5.425) (6.644) 1.4.6 Eksposur sekuritisasi - - - -
17. Beban lainnya -/- (580.896) (568.429) (583.015) (568.606) 1.4.7 Faktor Pengurang modal inti lainnya
TOTAL ASET 22.217.651 21.736.656 22.208.877 21.747.580 Pendapatan/ Beban Operasional Lainnya (2.313.550) (2.701.818) (2.339.808) (2.705.239) 1.4.7.1 Penempatan dana pada instrumen AT 1 dan/atau Tier 2 pada bank lain - - - -
LABA/ RUGI OPERASIONAL 1.234.010 973.592 1.216.858 979.408 2 Modal Inti Tambahan / Additional Tier 1 (AT 1)
PENDAPATAN/ BEBAN NON OPERASIONAL 2,1 Instrumen yang memenuhi persyaratan AT-1 - - - -
LIABILITAS DAN EKUITAS 1. Keuntungan/ kerugian penjualan aset tetap dan inventaris 3.963 4.092 3.959 4.092 2,2 Agio / disagio (+/-) - - - -
LIABILITAS 2. Pendapatan/ beban non operasional lainnya (2.859) (1.137) (2.882) (1.160) 2,3 Faktor Pengurang Modal Inti Tambahan
1. Dana simpanan wadiah LABA/ RUGI NON OPERASIONAL 1.104 2.955 1.077 2.932 2.3.1 Penempatan dana pada instrumen AT 1 dan/atau Tier 2 pada bank lain - - - -
a. Giro 32.301 6.792 32.301 6.792 LABA/ RUGI TAHUN BERJALAN SEBELUM PAJAK 1.235.114 976.547 1.217.935 982.340 II Modal Pelengkap (Tier 2)
b. Tabungan 2.165.101 2.118.289 2.165.101 2.118.289 Pajak penghasilan 1 Instrumen modal dalam bentuk saham atau lainnya yang memenuhi persyaratan Tier 2 - - - -
2. Dana investasi non profit sharing a. Taksiran pajak tahun berjalan (261.480) (158.627) (261.480) (158.627) 2 Agio / disagio - - - -
a. Giro - - - - b. Pendapatan/ beban pajak tangguhan (5.651) (53.450) (11.031) (53.089) 3 Cadangan umum PPA atas aset produktif yang wajib dibentuk (paling tinggi 1,25% ATMR Risiko Kredit) 92.971 94.011 95.183 96.782
b. Tabungan 1.018.337 977.118 1.018.324 976.622 LABA/ RUGI BERSIH TAHUN BERJALAN 967.983 764.470 945.424 770.624 4 Cadangan tujuan - - - -
c. Deposito 8.424.576 8.622.730 8.424.576 8.622.730 LABA/ RUGI KEPENTINGAN MINORITAS (242) 62 5 Faktor Pengurang Modal Pelengkap
3. Uang elektronik - - - - PENGHASILAN KOMPREHENSIF LAIN 5,1 Sinking Fund - - - -
4. Liabilitas kepada Bank Indonesia - - - - 1. Pos-pos yang tidak akan direklasifikasi ke laba rugi 5,2 Penempatan dana pada instrumen Tier 2 pada bank lain - - - -
5. Liabilitas kepada bank lain - - - - a. Keuntungan yang berasal dari revaluasi aset tetap - - - - TOTAL MODAL 9.328.686 9.612.704 8.291.739 8.616.435
6. Liabilitas spot dan forward - - - - b. Keuntungan/ kerugian yang berasal dari pengukuran kembali atas program pensiun manfaat pasti - - - -
7. Surat berharga diterbitkan - 200.000 - 200.000 c. Lainnya - - - - 30 September 2025 30 September 2024 30 September 2025 30 September 2024
KETERANGAN KETERANGAN
8. Liabilitas akseptasi - - - - 2. Pos-pos yang akan direklasifikasi ke laba rugi Individual Konsolidasi Individual Konsolidasi Individual Konsolidasi Individual Konsolidasi
9. Pembiayaan diterima - - - - a. Keuntungan/ kerugian yang berasal dari penyesuaian akibat penjabaran laporan keuangan dalam mata uang asing - - - - ASET TERTIMBANG MENURUT RISIKO RASIO KPMM
10. Setoran jaminan - - - - b. Keuntungan/ kerugian yang berasal dari peningkatan nilai wajar (MTM) aset keuangan instrumen lainnya (159) (62) (159) (62) ATMR RISIKO KREDIT 7.105.354 7.166.826 7.339.256 7.468.334 Rasio CET1 (%) 55,31% 56,80% 49,60% 51,13%
11. Liabilitas antar kantor - - - - ekuitas yang diukur pada nilai wajar melalui penghasilan komprehensif ATMR RISIKO PASAR - - - - Rasio Tier 1 (%) 55,31% 56,80% 49,60% 51,13%
12. Liabilitas lainnya 569.339 506.441 571.829 506.553 c. Lainnya - - - - ATMR RISIKO OPERASIONAL 9.593.236 9.590.539 9.185.583 9.194.553 Rasio Tier 2 (%) 0,56% 0,56% 0,58% 0,58%
13. Dana investasi profit sharing - - - - PENGHASILAN KOMPREHENSIF LAIN TAHUN BERJALAN SETELAH PAJAK (159) (62) (159) (62) TOTAL ATMR 16.698.590 16.757.365 16.524.839 16.662.887 Rasio KPMM (%) 55,87% 57,36% 50,18% 51,71%
14. Kepentingan minoritas (minority interest ) 2.771 3.013 TOTAL LABA/ RUGI KOMPREHENSIF TAHUN BERJALAN 967.824 764.408 945.265 770.562 RASIO KPMM SESUAI PROFIL RISIKO (%) 9,19% 9,19% 9,21% 9,21% CET 1 UNTUK BUFFER 46,68% 48,17% 40,97% 42,50%
TOTAL LIABILITAS 12.209.654 12.431.370 12.214.902 12.433.999 Laba/Rugi Bersih Tahun Berjalan yang Dapat Diatribusikan Kepada : ALOKASI PEMENUHAN KPMM SESUAI PROFIL RISIKO PERSENTASE BUFFER YANG WAJIB DIPENUHI OLEH BANK (%)
Pemilik 967.983 764.470 945.666 770.562 Dari CET 1 (%) 8,63% 8,63% 8,63% 8,63% Capital Conservation Buffer (%) 2,50% 2,50% 2,50% 2,50%
EKUITAS Kepentingan Nonpengendali - - (242) 62 Dari AT 1 (%) 0,00% 0,00% 0,00% 0,00% Countercyclical Buffer (%) 0,00% 0,00% 0,00% 0,00%
TOTAL LABA/RUGI BERSIH TAHUN BERJALAN 967.983 764.470 945.424 770.624 Dari Tier 2 (%) 0,56% 0,56% 0,58% 0,58% Capital Surcharge untuk Bank Sistemik (%) 0,00% 0,00% 0,00% 0,00%
15. Modal disetor Laba/Rugi Komprehensif Tahun Berjalan yang Dapat Diatribusikan Kepada :
a. Modal dasar 2.750.000 2.750.000 2.750.000 2.750.000 Pemilik 967.824 764.408 945.507 770.500 CADANGAN KERUGIAN PENURUNAN NILAI DAN PENYISIHAN PENGHAPUSAN ASET
b. Modal yang belum disetor -/- (1.979.630) (1.979.630) (1.979.630) (1.979.630) Kepentingan Nonpengendali - - (242) 62 Tanggal 30 September 2025 dan 2024 (Dalam Jutaan Rupiah)
c. Saham yang dibeli kembali (treasury stock ) -/- - (24) - (24) TOTAL LABA/RUGI KOMPREHENSIF TAHUN BERJALAN 967.824 764.408 945.265 770.562 INDIVIDUAL
16. Tambahan modal disetor DIVIDEN (265.778) (540.397) (265.778) (540.397) No. POS-POS 31 September 2025 31 September 2024
a. Agio 842.785 842.145 842.785 842.145 LABA BERSIH PER SAHAM 126 99 123 100 CKPN PPA wajib dibentuk CKPN PPA wajib dibentuk
b. Disagio -/- - - - - INDIVIDUAL KOLEKTIF INDIVIDUAL KOLEKTIF INDIVIDUAL KOLEKTIF INDIVIDUAL KOLEKTIF
c. Modal sumbangan - - - -
LAPORAN KOMITMEN DAN KONTIJENSI TRIWULANAN 1. Penempatan pada bank lain - - 77 - - - 39 -
d. Dana setoran modal - - - - Tanggal 30 September 2025 dan 31 Desember 2024 (Dalam Jutaan Rupiah) 2. Tagihan spot dan forward - - - - - - - -
e. Lainnya 20.916 20.916 20.916 20.916 INDIVIDUAL INDIVIDUAL 3. Surat berharga dimiliki - - 10.723 - - - 8.521 -
17. Penghasilan komprehensif lain No. POS-POS 30 September 2025 31 Desember 2024 30 September 2025 31 Desember 2024 4. Tagihan akseptasi - - - - - - - -
a. Keuntungan 55.691 55.849 55.691 55.849 Tidak Diaudit Diaudit Tidak Diaudit Diaudit 5. Piutang murabahah - 860.446 89.093 90.482 - 972.015 92.727 112.172
b. Kerugian - - - - I. TAGIHAN KOMITMEN 6. Piutang istishna' - - - - - - - -
18. Cadangan 1. Fasilitas pembiayaan yang belum ditarik - - - - 7. Piutang multijasa - - - - - - - -
a. Cadangan umum 165.000 145.000 165.000 145.000 2. Posisi valas yang akan diterima dari transaksi spot dan forward - - - - 8. Piutang qardh - - 1 - - 27 1 26
b. Cadangan tujuan - - - - 3. Lainnya - - - - 9. Piutang Sewa - - - - - - - -
19. Laba / rugi II. KEWAJIBAN KOMITMEN 10. Pembiayaan mudharabah - - - - - - - -
a. Tahun-tahun lalu 7.451.030 6.938.705 7.459.325 6.958.446 1. Fasilitas pembiayaan yang belum ditarik 11. Pembiayaan musyarakah 45 - 4.191 - - 136 3.813 -
b. Tahun berjalan 967.983 1.072.722 945.666 1.061.276 a. Committed - - - - 12. Pembiayaan lainnya - - - - - - - -
c. Dividen yang dibayarkan -/- (265.778) (540.397) (265.778) (540.397) b. Uncommitted 300.870 170.028 300.870 170.028 13. Penyertaan modal - - 2.970 - - - 2.970 -
TOTAL EKUITAS YANG DAPAT DIATRIBUSIKAN KEPADA PEMILIK 10.007.997 9.305.286 9.993.975 9.313.581 2 Irrevocable L/C yang masih berjalan - - - - 14. Komitmen dan Kontinjensi - - - - - - - -
TOTAL EKUITAS 10.007.997 9.305.286 9.993.975 9.313.581 3 Posisi valas yang akan diserahkan untuk transaksi spot dan forward - - - -
TOTAL LIABILITAS DAN EKUITAS 22.217.651 21.736.656 22.208.877 21.747.580 4 Lainnya - - - - LAPORAN TRANSAKSI SPOT DAN FORWARD TRIWULANAN
III. TAGIHAN KONTINJENSI
Tanggal 30 September 2025 dan 2024 (Dalam Jutaan Rupiah)
1. Garansi yang diterima - - - - INDIVIDUAL
LAPORAN ARUS KAS KONSOLIDASIAN
Tanggal 30 September 2025 dan 2024 (Dalam Jutaan Rupiah) 2. Pendapatan dalam penyelesaian No. Tujuan Tagihan dan Liabilitas
NOMINAL
30 September 2025 30 September 2024 a. Murabahah 39.813 54.744 39.813 54.744 Bukan Hedging Hedging Tagihan Liabilitas
No. POS-POS
Tidak Diaudit Tidak Diaudit b. Istishna' - - - - A. Terkait dengan Nilai Tukar
ARUS KAS DARI AKTIVITAS OPERASI c. Sewa - - - - 1. Spot - - - - -
Penerimaan pendapatan dari pengelolaan dana 3.969.343 4.072.110 d. Bagi hasil - - - - 2. Forward - - - - -
Pembayaran bagi hasil dana syirkah temporer (367.960) (385.211) e. Lainnya - - - - 3. Lainnya - - - - -
Penerimaan pendapatan administrasi 2.825 6.506 3. Lainnya - - - - B. Lainnya - - - - -
Penerimaan dari piutang murabahah yang dihapusbukukan 38.355 67.998 IV. KEWAJIBAN KONTINJENSI JUMLAH - - - - -
Pembayaran beban tenaga kerja (1.177.785) (1.106.058) 1. Garansi yang diberikan - - - -
Pembayaran beban usaha lainnya (1.078.884) (1.813.468) 2. Lainnya - - - - LAPORAN DISTRIBUSI BAGI HASIL TRIWULANAN
Pembayaran terkait pendapatan (beban) non-operasional - bersih (2.868) (1.370) Tanggal 30 September 2025 (Dalam Jutaan Rupiah)
(244.652) (168.093)
Pembayaran pajak penghasilan badan LAPORAN RASIO KEUANGAN TRIWULANAN Net Revenue Sharing
Arus kas sebelum perubahan dalam aset dan liabilitas operasi 1.138.374 672.414 Tanggal 30 September 2025 dan 2024 (Dalam Jutaan Rupiah)
Jenis Penghimpunan Dana Pendapatan yang akan Porsi Pemilik Dana
Saldo Rata-Rata
Perubahan dalam aset operasi, liabilitas operasi dan dana syirkah temporer: dibagihasilkan Nisbah(%) Jumlah Bagi Hasil Indikasi Rate of Return (%)
No. POS-POS 30 September 2025 30 September 2024
Penurunan (kenaikan) aset operasi : A B C D E
Piutang murabahah 257.410 1.418.293 1. Kewajiban Penyediaan Modal Minimun (KPMM) 55,87% 50,18% 1. Liabilitas Kepada Bank Lain - - 0,00% - 0,00%
Pembiayaan Musyarakah 111.436 (361.630) 2. Aset produktif bermasalah dan aset non produktif bermasalah terhadap total aset produktif dan aset non produktif 1,38% 1,85% 2. Giro Mudharabah
Pinjaman qardh (1) 414 3. Aset produktif bermasalah terhadap total aset produktif 1,38% 1,85% a. Bank - - 0,00% - 0,00%
Aset lain-lain 13.757 2.039 4. Cadangan Kerugian Penurunan Nilai (CKPN) aset keuangan terhadap aset produktif 4,13% 4,82% b. Non Bank - - 0,00% - 0,00%
Kenaikan (penurunan) liabilitas operasi: 5. Non Performing Financing (NPF) gross 2,93% 3,61% 3. Tabungan Mudharabah
Liabilitas segera (9.544) (1.345) 6. Non Performing Financing (NPF) net 0,02% 0,02% a. Bank - - 0,00% - 0,00%
Simpanan nasabah 72.321 (131.836) 7. Return On Assets (ROA) 7,59% 6,12% b. Non Bank 981.114 43.590 1,00% 436 0,54%
Liabilitas lain-lain (11.770) 32.257 8. Return On Equity (ROE) 14,52% 12,78% 4. Deposito Mudharabah
(Penurunan) kenaikan : 9. Net Imbalan (NI) 23,05% 24,49% a. Bank
Dana syirkah temporer (156.452) (172.670) 10. Net Operating Margin (NOM) 7,80% 6,11% - 1 Bulan - - 0,00% - 0,00%
Arus kas bersih diperoleh dari aktivitas operasi 1.415.531 1.457.936 11. Beban Operasional terhadap Pendapatan Operasional (BOPO) 68,76% 76,34% - 3 Bulan - - 0,00% - 0,00%
ARUS KAS DARI AKTIVITAS INVESTASI 12. Cost to Income Ratio (CIR) 48,56% 44,21% - 6 Bulan - - 0,00% - 0,00%
Hasil penjualan aset tetap 4.045 4.294 13. Pembiayaan bagi hasil terhadap total pembiayaan 4,28% 3,69% - 12 Bulan - - 0,00% - 0,00%
Pembelian aset tetap (53.307) (64.794) 14. Financing to Deposit Ratio (FDR) 84,22% 87,26% b. Non Bank
Pembelian aset tak berwujud (29.055) (47.442) Kepatuhan (Compliance ) - 1 Bulan 7.160.398 318.132 10,77% 21.621 3,67%
Pembelian surat berharga (4.717.241) (5.628.770) 1. a. Persentase Pelanggaran BMPD - 3 Bulan 1.368.193 60.788 10,79% 12.072 10,74%
Penjualan surat berharga 4.638.029 4.251.572 - 6 Bulan 177.529 7.887 10,99% 3.267 22,39%
Arus kas bersih digunakan untuk aktivitas investasi (157.529) (1.485.140) i. Pihak Terkait 0,00% 0,00% - 12 Bulan 25.901 1.151 11,66% 291 13,66%
ARUS KAS DARI AKTIVITAS PENDANAAN ii. Pihak Tidak Terkait 0,00% 0,00% 5. Pembiayaan Diterima - - 0,00% - 0,00%
Pembayaran surat berharga yang diterbitkan (200.000) - Jumlah 9.713.135 431.548 37.687
Pembayaran dari pinjaman yang diterima - - b. Persentase Pelampauan BMPD
Pembayaran dividen (259.604) (525.231) Saldo Rata-Rata Pendapatan Yang Diterima
Jenis Penyaluran Dana
Pembayaran pajak dividen (6.174) (15.166) i. Pihak Terkait 0,00% 0,00% A B
Arus kas bersih digunakan untuk aktivitas pendanaan (465.778) (540.397) ii. Pihak Tidak Terkait 0,00% 0,00% 1. Liabilitas Kepada Bank Lain 9.903.025 31.101
(PENURUNAN) KENAIKAN BERSIH KAS DAN SETARA KAS 792.224 (567.601) 2. Piutang Murabahah
KAS DAN SETARA KAS AWAL TAHUN 3.644.385 4.260.714 2. Giro Wajib Minimum (GWM) a. - -
KAS DAN SETARA KAS AKHIR TAHUN 4.436.609 3.693.113 b. 9.521.344 403.707
Kas dan setara kas akhir tahun terdiri dari: a. GWM rupiah 6,05% 4,95% 3. Piutang Itishna
Kas 509.817 437.391 i. Harian 0,00% 0,00% a. - -
Giro pada Bank Indonesia 720.587 559.247 ii. Rata-rata 6,05% 4,95% b. - -
Giro pada bank-bank lain 9.548 6.975 4. Piutang Multijasa
Penempatan pada Bank Indonesia 990.000 600.000 b. GWM valuta asing (Harian) 0,00% 0,00% a. - -
Penempatan pada bank-bank lain 254.500 244.500 b. - -
Investasi pada surat berharga 1.952.157 1.845.000 3. Posisi Devisa Neto (PDN) secara keseluruhan 0,00% 0,00% 5. Pembiayaan Gadai
a. - -
LAPORAN KUALITAS ASET PRODUKTIF DAN INFORMASI LAINNYA b. - -
Tanggal 30 September 2025 dan 2024 (Dalam Jutaan Rupiah) 6. Pembiayaan Mudharabah
INDIVIDUAL a. - -
No. POS-POS 30 September 2025 30 September 2024 b. - -
L DPK KL D M JUMLAH L DPK KL D M JUMLAH 7. Pembiayaan Musyarakah
I. PIHAK TERKAIT a. - -
1. Penempatan pada bank lain b. 593.592 4.700
a. Rupiah 6.806 - - - - 6.806 2.938 - - - - 2.938 8. Pembiayaan Sewa
b. Valuta asing - - - - - - - - - - - - a. - -
2. Tagihan spot dan forward b. - -
a. Rupiah - 9. Pembiayaan Lainnya
b. Valuta asing - a. - -
3. Surat berharga dimiliki b. 78 -
a. Rupiah - - - - - - - - - - - - Jumlah 20.018.039 439.508
b. Valuta asing - - - - - - - - - - - -
4. Tagihan akseptasi - - - - - - - - - - - - Profit Sharing
5. Pembiayaan berbasis piutang dan sewa Pendapatan yang akan Porsi Pemilik Dana
Jenis Penghimpunan Dana Saldo Rata-Rata
a Nasabah UMKM dibagihasilkan Nisbah(%) Jumlah Bagi Hasil Indikasi Rate of Return (%)
i. Rupiah - - - - - - - - - - - - A B C D E
ii. Valuta asing - - - - - - - - - - - - 1. Liabilitas Kepada Bank Lain - - 0,00% - 0,00%
b. Bukan nasabah UMKM 2. Giro Mudharabah
i. Rupiah - - - - - - - - - - - - a. Bank - - 0,00% - 0,00%
ii. Valuta asing - - - - - - - - - - - - b. Non Bank - - 0,00% - 0,00%
c. Pembiayaan yang direstrukturisasi 3. Tabungan Mudharabah
i. Rupiah - - - - - - - - - - - - a. Bank - - 0,00% - 0,00%
ii. Valuta asing - - - - - - - - - - - - b. Non Bank - - 0,00% - 0,00%
6. Pembiayaan bagi hasil 4. Deposito Mudharabah
a. Nasabah UMKM a. Bank
i. Rupiah - - - - - - - - - - - - - 1 Bulan - - 0,00% - 0,00%
ii. Valuta asing - - - - - - - - - - - - - 3 Bulan - - 0,00% - 0,00%
b. Bukan nasabah UMKM - 6 Bulan - - 0,00% - 0,00%
i. Rupiah - - - - - - - - - - - - - 12 Bulan - - 0,00% - 0,00%
ii. Valuta asing - - - - - - - - - - - - b. Non Bank
c. Pembiayaan yang direstrukturisasi - 1 Bulan - - 0,00% - 0,00%
i. Rupiah - - - - - - - - 3 Bulan - - 0,00% - 0,00%
ii. Valuta asing - - - - - - - - - - - - - 6 Bulan - - 0,00% - 0,00%
7. Penyertaan modal 297.000 - - - - 297.000 297.000 - - - - 297.000 - 12 Bulan - - 0,00% - 0,00%
8. Komitmen dan kontinjensi 5. Pembiayaan Diterima - - 0,00% - 0,00%
a. Rupiah - - - - - - - - - - - - Jumlah - - 0,00% - 0,00%
b. Valuta asing - - - - - - - - - - - -
II PIHAK TIDAK TERKAIT Saldo Rata-Rata Pendapatan Yang Diterima
Jenis Penyaluran Dana
1. Penempatan pada bank lain A B
a. Rupiah 916 - - - - 916 914 - - - - 914 1. Liabilitas Kepada Bank Lain - -
b. Valuta asing - - - - - - - - - - - - 2. Piutang Murabahah
2. Tagihan spot dan forward a. - -
a. Rupiah - - - - - - - - - - - - b. - -
b. Valuta asing - - - - - - - - - - - - 3. Piutang Itishna
3. Surat berharga dimiliki a. - -
a. Rupiah 9.750.118 - - - - 9.750.118 8.958.298 - - - - 8.958.298 b. - -
b. Valuta asing - - - - - - - - - - - - 4. Piutang Multijasa
4. Tagihan akseptasi - - - - - - - - - - - - a. - -
5. Pembiayaan berbasis piutang dan sewa b. - -
a. Nasabah UMKM 5. Pembiayaan Gadai
i. Rupiah 8.908.796 185.178 182.087 102.139 2.830 9.381.030 9.244.280 303.889 255.245 116.851 691 9.920.956 a. - -
ii. Valuta asing - - - - - - - - - - - - b. - -
b. Bukan nasabah UMKM 6. Pembiayaan Mudharabah
i. Rupiah 563 2.190 - - - 2.753 28.527 - 1 1 - 28.529 a. - -
ii. Valuta asing - - - - - - - - - - - - b. - -
c. Pembiayaan yang direstrukturisasi 7. Pembiayaan Musyarakah
i. Rupiah 17.202 1.880 3.185 1.933 14 24.214 126.259 9.097 2.482 779 22 138.639 a. - -
ii. Valuta asing - - - - - - - - - - - - b. - -
8. Pembiayaan Sewa
6. Pembiayaan bagi hasil a. - -
a. Nasabah UMKM b. - -
i. Rupiah - - - - - - - - - - - - 9. Pembiayaan Lainnya
ii. Valuta asing - - - - - - - - - - - - a. - -
b. Bukan nasabah UMKM b. - -
i. Rupiah 419.131 - - - - 419.131 381.299 - - - - 381.299 Jumlah - -
ii. Valuta asing - - - - - - - - - - - -
c. Pembiayaan yang direstrukturisasi
DIREKSI, DEWAN KOMISARIS, DAN DEWAN PENGAWAS SYARIAH PEMEGANG SAHAM
i. Rupiah - - - - - - - - - - - -
ii. Valuta asing - - - - - - - - - - - - Direksi : I. Pemegang Saham Pengendali (PSP) :
7. Penyertaan modal sementara - - - - - - - - - - - - ● Direktur Utama : Hadi Wibowo PT Bank SMBC Indonesia Tbk. 70,00%
8. Komitmen dan kontinjensi ● Direktur Kepatuhan : Arief Ismail Pemegang Saham Pengendali Terakhir : Sumitomo Mitsui Financial Group
a. Rupiah - - - - - - - - - - - - ● Direktur : Fachmy Achmad melalui Sumitomo Mitsui Banking Corporation
b. Valuta asing - - - - - - - - - - - - ● Direktur : Dwiyono Bayu Winantio II. Masyarakat lainnya masing-masing (≤ 5%) : 30,00%
III. INFORMASI LAIN ● Direktur : Dewi Nuzulianti
1. Total aset bank yang dijaminkan: Dewan Komisaris :
a. Pada Bank Indonesia - - ● Komisaris Utama/Independen : Kemal Azis Stamboel Jakarta, 28 Oktober 2025
b. Pada pihak lain - - ● Komisaris Independen : Mulya Effendi Siregar S.E. & O
2. Agunan yang diambil alih - - ● Komisaris Independen : Dewie Pelitawati
● Komisaris : Ongki Wanadjati Dana
Catatan :
1. Penyajian laporan keuangan publikasi ini diterbitkan guna memenuhi Peraturan Otoritas Jasa Keuangan No. 37/POJK.03/2019 tanggal 20 Desember 2019 tentang "Transparansi dan Publikasi Laporan Bank" dan Surat Edaran Otoritas Jasa keuangan No. 10/SEOJK.03/2020 tentang "Transparansi dan Publikasi Laporan Bank Umum Syariah dan Unit Usaha Syariah". Serta guna Dewan Pengawas Syariah :
memenuhi Peraturan No. VIII.G.7, Salinan Keputusan Ketua Badan Pengawas Pasar Modal & Lembaga Keuangan No. Kep-347/BL/2012 tanggal 25 Juni 2012 tentang Penyajian dan Pengungkapan Laporan Keuangan Emiten atau Perusahaan Publik. ● Ketua : H. Ikhwan Abidin, MA Hadi Wibowo Fachmy Achmad
● Anggota : H. Muhamad Faiz, MA Direktur Utama Direktur
2. Informasi Laporan Keuangan Publikasi untuk tahun yang berakhir pada tanggal 31 Desember 2024 di atas disusun berdasarkan Laporan Keuangan PT Bank BTPN Syariah Tbk. untuk tahun yang berakhir pada tanggal 31 Desember 2024 yang telah diaudit oleh Kantor Akuntan Publik Siddharta Widjaja & Rekan dengan rekan penanggung jawab Novie, S.E., CPA dengan opini ● Anggota : H. Cecep Maskanul Hakim, M.Ec
tanpa modifikasian dalam laporannya tertanggal 14 Februari 2025.
Page 3
STATEMENTLAPORAN OF FINANCIAL
KEUANGAN
PT BANK BTPN
PT BANK SYARIAH
BTPN SYARIAH
31 Juli 2025
TBK Tbk
30 September 2025
STATEMENT OF FINANCIAL POSITION STATEMENTS OF PROFIT OR LOSS AND OTHER COMPREHENSIVE INCOME CALCULATION OF CAPITAL ADEQUACY RATIO
As of 30 September 2025 and 31 December 2024 (in Millions of Rupiah) For The Periodes Ended 30 September 2025 and 2024 (in Millions of Rupiah, except net profit per share) As of 30 September 2025 and 2024 (in Millions of Rupiah)
INDIVIDUAL CONSOLIDATION INDIVIDUAL CONSOLIDATION 30 September 2025 30 September 2024
No. COMPONENTS OF CAPITAL
No. DESCRIPTION 30 September 2025 31 December 2024 30 September 2025 31 December 2024 No. DESCRIPTION 30 September 2025 30 September 2024 30 September 2025 30 September 2024 INDIVIDUAL CONSOLIDATION INDIVIDUAL CONSOLIDATION
UnAudited Audited UnAudited Audited UnAudited UnAudited UnAudited UnAudited ICore Capital (Tier 1)
OPERATING INCOME AND EXPENSES 1 Common Equity Tier 1 (CET 1)
ASSETS A. Income & Expenses from Fund Management as Mudharib 1,1 Paid-in capital (net of treasury stock) 770.370 770.370 770.346 770.346
1. Cash 509.817 592.911 509.817 592.911 1. Income from Fund Management as Mudharib 3.916.618 4.057.944 3.924.133 4.067.172 1,2 Reserve additional capital
2. Placements with Bank Indonesia 1.710.587 1.669.329 1.710.587 1.669.329 a. Income from receivables 1.2.1 Additional factor
3. Placements with other Banks 7.722 2.195 264.048 251.956 i. Murabahah 3.434.093 3.641.521 3.434.093 3.641.521 1.2.1.1 Other comprehensive income
4. Spot and forward receivables - - - - ii. Istishna' - - - - 1.2.1.1.1 Excess adjustment due to financial statement translation - - - -
5. Investments in marketable securities 9.750.118 8.849.141 9.804.750 8.901.904 iii. Multiservices ijarah - - - - 1.2.1.1.2 Potential gain due to increases of fair value of financial assets classified as fair value through other comprehensive income 176 176 81 81
6. Securities purchased under resale agreements (reverse repo) - - - - iv. Ujrah - - - - 1.2.1.1.3 Surplus of fixed assets revaluation 13.053 13.053 5.239 5.239
7. Acceptance receivables - - - - v. Others - - - - 1.2.1.2 Other disclosed reserves
8. Receivables b. Income from Financing 1.2.1.2.1 Agio 880.996 880.996 880.356 880.356
a. Murabahah receivables 9.383.718 9.641.128 9.383.718 9.641.128 i. Mudharabah - - - - 1.2.1.2.2 General reserves 165.000 165.000 145.000 145.000
b. Istishna' receivables - - - - ii. Musyarakah 25.813 5.559 25.813 5.559 1.2.1.2.3 Previous years profit after tax 7.147.041 7.155.336 6.360.097 6.379.838
c. Multiservices ijarah receivables - - - - iii. Others - - - - 1.2.1.2.4 Current year profit after tax 967.983 945.666 764.470 770.562
d. Funds of qardh 65 64 65 64 c. Income from ijarah - - - - 1.2.1.2.5 Funds for paid-up capital - - - -
e. Ijarah receivables - - - - d. Others 456.712 410.864 464.227 420.092 1.2.1.2.6 Capital contribution - - - -
9. Profit sharing financing 2. Profit Sharing for Investors -/- (369.058) (382.534) (367.467) (382.525) 1.2.1.2.7 Warrants issued - - - -
a. Mudharabah - - - - a. Non profit sharing (369.058) (382.534) (367.467) (382.525) 1.2.1.2.8 Stock options issued for stock-based compensation program - - - -
b. Musyarakah 419.131 530.567 419.131 530.567 b. Profit sharing - - - - 1.2.2 Deduction factor
c. Others - - - - 3. Net Income from Fund Management as Mudharib 3.547.560 3.675.410 3.556.666 3.684.647 1.2.2.1 Other comprehensive expense
10. Asset acquired for Ijarah - - - - B. Operating Income and Expenses other than as Mudharib 1.2.2.1.1 Negative adjustment due to financial statement translation - - - -
11. Investment in share 297.000 297.000 - - 1. Gain/Loss from increase/decrease in fair value of financial assets - - - - 1.2.2.1.2 Potential losses due to impairment of fair value of financial assets classified as fair value through other comprehensive income - - - -
12. Other financial assets 205.857 249.534 205.857 249.534 2. Gain/Loss from decrease/increase in fair value of financial liabilities - - - - 1.2.2.2 Other disclosed reserves
13. Allowance for impairment on financial assets -/- (860.491) (924.274) (883.223) (924.274) 3. Gain/Loss on sale of financial assets - - - - 1.2.2.2.1 Disagio - - - -
14. Salam - - - - 4. Gain/Loss on spot and forward transactions (realised) - - - - 1.2.2.2.2 Previous years loss after tax that can be counted - - - -
15. Istishna' assets in progress - - - - 5. Gain/Loss on investment under equity method - - - - 1.2.2.2.3 Current year loss after tax - - - -
Istishna' term -/- - - - - 6. Gain/Loss on foreign exchange translation - - 1.886 (1.344) 1.2.2.2.4 Negative differences between regulatory provision and allowance for impairment losses of earning asset - - - -
16. Inventory - - - - 7. Bank income as mudharib in mudharabah muqayyadah - - - - 1.2.2.2.5 Negative differences on adjustment of fair value on financial instrument in the Trading Book - - - -
17. Intangible assets 196.181 212.953 196.181 212.953 8. Dividend Income - - - - 1.2.2.2.6 Regulatory provision on non earning assets - - - -
18. Fixed assets and equipments 304.693 335.042 304.693 335.055 9. Commission/provision/fees and administration income 1.344 1.094 1.344 1.094 1,3 Minority interest that can be counted
19. Non earning assets 10. Other income 32.586 55.127 32.586 55.127 1,4 Deduction factors of CET 1
a. Abandoned property - - - - 11. Wadiah bonus expenses -/- (171) (308) (171) (308) 1.4.1 Deferred tax calculation (215.723) (215.723) (220.784) (220.520)
b. Foreclosed collaterals - - - - 12. Impairment for financial asset -/- (608.079) (1.108.028) (630.810) (1.108.421) 1.4.2 Goodwill - - - -
c. Suspense Accounts - - - - 13. Losses related to operational risks -/- (3.216) (5.933) (3.216) (5.933) 1.4.3 Other intangible assets (196.181) (196.181) (211.249) (211.249)
d. Interoffice assets - - - - 14. Impairment for non financial assets -/- - - - - 1.4.4 Investments in share calculated as deduction (297.000) - (297.000) -
20. Other assets 293.253 281.066 293.253 286.453 15. Salaries and employee benefits -/- (1.149.695) (1.068.698) (1.152.987) (1.070.204) 1.4.5 Shortfall on the capital of insurance subsidiaries - - - -
16. Promotion Expenses -/- (5.423) (6.643) (5.425) (6.644) 1.4.6 Securitisation exposure - - - -
17. Other Expenses -/- (580.896) (568.429) (583.015) (568.606) 1.4.7 Other deduction factor of CET 1
TOTAL ASSETS 22.217.651 21.736.656 22.208.877 21.747.580 Net Operating Income/Expenses (2.313.550) (2.701.818) (2.339.808) (2.705.239) 1.4.7.1 Investment on AT1 and/or Tier 2 instrument to other bank - - - -
Operating Income/Expenses 1.234.010 973.592 1.216.858 979.408 2 Additional Tier 1 (AT 1)
NON-OPERATING INCOME/ EXPENSES 2,1 Instruments which comply with AT 1 regulations - - - -
LIABILITIES AND EQUITIES 1. Gain/Loss from sale of fixed assets and equipment 3.963 4.092 3.959 4.092 2,2 Agio/Disagio (+/-) - - - -
LIABILITIES 2. Other non-operating income/expenses (2.859) (1.137) (2.882) (1.160) 2,3 Deduction factor of AT 1
1. Wadiah Deposits NON-OPERATING INCOME/EXPENSES 1.104 2.955 1.077 2.932 2.3.1 Investment on AT 1 and/or Tier 2 instrument to other bank - - - -
a. Demand Deposits 32.301 6.792 32.301 6.792 CURRENT YEAR PROFIT/LOSS BEFORE TAX 1.235.114 976.547 1.217.935 982.340 II Supplemental Capital (Tier 2)
b. Savings Deposits 2.165.101 2.118.289 2.165.101 2.118.289 Income taxes 1 Capital instrument in the form of stock or others which comply with tier 2 requirements - - - -
2. Non-profit sharing investments a. Estimated current year tax -/- (261.480) (158.627) (261.480) (158.627) 2 Agio / disagio (+/-) - - - -
a. Demand Deposits - - - - b. Deferred tax income/expenses (5.651) (53.450) (11.031) (53.089) 3 General provision on earning assets (max. 1.25% Credit Risk - Weighted Assets) 92.971 94.011 95.183 96.782
b. Savings Deposits 1.018.337 977.118 1.018.324 976.622 CURRENT YEAR NET PROFIT/LOSS 967.983 764.470 945.424 770.624 4 Appropriated reserves - - - -
c. Time Deposits 8.424.576 8.622.730 8.424.576 8.622.730 MINORITY INTEREST PROFIT/LOSS (242) 62 5 Deduction supplemental capital
3. Electronic Money - - - - OTHER COMPREHENSIVE INCOME 5,1 Sinking Fund - - - -
4. Liabilities to Bank Indonesia - - - - 1. Items that will not be reclassified to profit or loss 5,2 Investment on Tier 2 instrument to other bank - - - -
5. Liabilities to Other Banks - - - - a. Gain/Loss from revaluation of properties - - - - TOTAL MODAL 9.328.686 9.612.704 8.291.739 8.616.435
6. Spot and forward payables - - - - b. Gain/Loss from remeasurement on defined benefit plan - - - -
7. Marketable securities issued - 200.000 - 200.000 c. Others - - - - 30 September 2025 30 September 2024 30 September 2025 30 September 2024
DESCRIPTION DESCRIPTION
8. Acceptance liabilities - - - - 2. Items that will be reclassified to profit or loss INDIVIDUAL CONSOLIDATION INDIVIDUAL CONSOLIDATION INDIVIDUAL CONSOLIDATION INDIVIDUAL CONSOLIDATION
9. Fund Borrowings - - - - a. Gain/Loss from exchange difference on translation of foreign currency financial statement - - - - RISK WEIGHTED ASSETS CAPITAL ADEQUACY RATIO
10. Guarantee deposit - - - - b. Gain/Loss from changes of financial assets on measured at fair value through other comprehensive income (159) (62) (159) (62) CREDIT RISK - WEIGHTED ASSETS 7.105.354 7.166.826 7.339.256 7.468.334 CET 1 Ratio (%) 55,31% 56,80% 49,60% 51,13%
11. Interoffice liabilities - - - - c. Others - - - - MARKET RISK - WEIGHTED ASSETS - - - - Tier 1 Ratio (%) 55,31% 56,80% 49,60% 51,13%
12. Other liabilities 569.339 506.441 571.829 506.553 OPERATIONAL RISK - WEIGHTED ASSETS 9.593.236 9.590.539 9.185.583 9.194.553 Tier 2 Ratio (%) 0,56% 0,56% 0,58% 0,58%
13. Profit sharing investment funds - - - - OTHER COMPREHENSIVE INCOME FOR THE YEAR AFTER TAX (159) (62) (159) (62) TOTAL RISK WEIGHTED ASSETS 16.698.590 16.757.365 16.524.839 16.662.887 CAR Ratio (%) 55,87% 57,36% 50,18% 51,71%
14. Minority interest 2.771 3.013 TOTAL OTHER COMPREHENSIVE INCOME FOR THE YEAR 967.824 764.408 945.265 770.562 CAR BASED ON RISK PROFILE (%) 9,19% 9,19% 9,21% 9,21% CET 1 FOR BUFFER (%) 46,68% 48,17% 40,97% 42,50%
TOTAL LIABILITIES 12.209.654 12.431.370 12.214.902 12.433.999 Current Year Net Profit/Loss Attributable to : CAPITAL ALLOCATION FOR CAR BASED ON RISK PROFILE PERCENTAGE OF BUFFER MANDATORY FULFILLED BY BANK (%)
Owner 967.983 764.470 945.666 770.562 From CET 1 (%) 8,63% 8,63% 8,63% 8,63% Capital Conservation Buffer (%) 2,50% 2,50% 2,50% 2,50%
EQUITIES Non controlling interest - - (242) 62 From AT 1 (%) 0,00% 0,00% 0,00% 0,00% Countercyclical Buffer (%) 0,00% 0,00% 0,00% 0,00%
TOTAL CURRENT YEAR NET PROFIT/LOSS 967.983 764.470 945.424 770.624 From Tier 2 (%) 0,56% 0,56% 0,58% 0,58% Capital Surcharge for Systemic Bank (%) 0,00% 0,00% 0,00% 0,00%
15. Share capital Total Comprehensive Profit/Loss For The Year Attributable To :
a. Authorized share capital 2.750.000 2.750.000 2.750.000 2.750.000 Owner 967.824 764.408 945.507 770.500 STATEMENT OF ALLOWANCE FOR IMPAIRMENT LOSSES
b. Unpaid-in capital -/- (1.979.630) (1.979.630) (1.979.630) (1.979.630) Non controlling interest - - (242) 62 As of 30 September 2025 and 2024 (in Millions of Rupiah)
c. Treasury stock -/- - (24) - (24) Total Comprehensive Profit/Loss For The Year 967.824 764.408 945.265 770.562 INDIVIDUAL
16. Additional paid-in capital DIVIDEND (265.778) (540.397) (265.778) (540.397) No. DESCRIPTION 30 September 2025 30 September 2024
a. Agio 842.785 842.145 842.785 842.145 EARNINGS PER SHARE (in Rupiah) 126 99 123 100 Allowance for Impairment Regulatory Provision Allowance for Impairment Regulatory Provision
b. Disagio -/- - - - - INDIVIDUAL COLLECTIVE INDIVIDUAL COLLECTIVE INDIVIDUAL COLLECTIVE INDIVIDUAL COLLECTIVE
c. Capital contribution - - - -
STATEMENT OF COMMITMENTS AND CONTINGENCIES 1. Placements with other banks - - 77 - - - 39 -
d. Fund for paid up capital - - - - As of 30 September 2025 and 31 December 2024 (in Millions of Rupiah) 2. Spot and forward receivables - - - - - - - -
e. Others 20.916 20.916 20.916 20.916 INDIVIDUAL CONSOLIDATION 3. Securities - - 10.723 - - - 8.521 -
17. Other comprehensive income No. DESCRIPTION 30 September 2025 31 December 2024 30 September 2025 31 December 2024 4. Acceptance receivables - - - - - - - -
a. Gain 55.691 55.849 55.691 55.849 UnAudited Audited UnAudited Audited 5. Murabahah receivables - 860.446 89.093 90.482 - 972.015 92.727 112.172
b. Loss -/- - - - - I. COMMITMENT RECEIVABLES 6. Istishna' receivables - - - - - - - -
18. Reserve 1. Unused financing facilities - - - - 7. Multi-services ijarah receivables - - - - - - - -
a. General reserve 165.000 145.000 165.000 145.000 2. Foreign currency positions to be received from spot and forward transactions - - - - 8. Funds of qardh - - 1 - - 27 1 26
b. Appropriated reserve - - - - 3. Others - - - - 9. Ijarah receivables - - - - - - - -
19. Profit / Loss II. COMMITMENT PAYABLES 10. Mudharabah financing - - - - - - - -
a. Previous years 7.451.030 6.938.705 7.459.325 6.958.446 1. Unused financing facilities 11. Musyarakah financing 45 - 4.191 - - 136 3.813 -
b. Current year 967.983 1.072.722 945.666 1.061.276 a. Committed - - - - 12. Other financing - - - - - - - -
c. Dividends paid -/- (265.778) (540.397) (265.778) (540.397) b. Uncommitted 300.870 170.028 300.870 170.028 13. Investments in shares - - 2.970 - - - 2.970 -
TOTAL EQUITIES ATTRIBUTABLE TO OWNERS 10.007.997 9.305.286 9.993.975 9.313.581 2. Outstanding irrevocable L/C - - - - 14. Commitments and contingencies - - - - - - - -
TOTAL EQUITIES 10.007.997 9.305.286 9.993.975 9.313.581 3. Foreign currency positions to be submitted for spot and forward transactions - - - -
TOTAL LIABILITIES AND EQUITIES 22.217.651 21.736.656 22.208.877 21.747.580 4. Others - - - -
STATEMENT OF SPOT AND FORWARD TRANSACTIONS
III. CONTINGENT RECEIVABLES
As of 30 September 2025 (in Millions of Rupiah)
1. Guarantees received - - - - INDIVIDUAL
CONSOLIDATED STATEMENTS OF CASH FLOWS
For The Periodes Ended 30 September 2025 and 2024 (in Millions of Rupiah) 2. Income from non performing financing No. TRANSACTION Type Derivative Receivables & Payables
NOMINAL
30 September 2025 30 September 2024 a. Murabahah 39.813 54.744 39.813 54.744 Non Hedging Hedging Receivables Payables
No. DESCRIPTION
UnAudited UnAudited b. Istishna' - - - - A. Exchange Rate Related
CASH FLOWS FROM OPERATING ACTIVITIES c. Ijarah - - - - 1. Spot - - - - -
Receipts of income from fund management 3.969.343 4.072.110 d. Profit Sharing - - - - 2. Forward - - - - -
Payments of profit sharing for temporary syirkah funds (367.960) (385.211) e. Others - - - - 3. Other - - - - -
Receipts of administrative income 2.825 6.506 3. Others - - - - B. Other - - - - -
Receipts from recovery of written-off murabahah receivables 38.355 67.998 IV. CONTINGENT LIABILITIES TOTAL - - - - -
Payments of personnel expenses (1.177.785) (1.106.058) 1. Guarantees issued - - - -
Payments of other operating expenses (1.078.884) (1.813.468) 2. Others - - - - STATEMENT OF PROFIT SHARING DISTRIBUTION
Payments related with non-operating income (expenses) - net (2.868) (1.370) As of 30 September 2025 (in Millions of Rupiah)
Payments of corporate income tax (244.652) (168.093)
STATEMENT OF FINANCIAL RATIOS Net Revenue Sharing
Cash flows before changes in operating assets and liabilities 1.138.374 672.414 As of 30 September 2025 and 2024 (in Millions of Rupiah)
Types of Funds Fund Owners Portion
Average
Changes in operating assets, operating liabilities and temporary syirkah funds: Income to be Distributed Ratio (%) Total of Profit Sharing Rate of Return Indication (%)
No. RATIOS 30 September 2025 30 September 2024
Decrease (increase) in operating assets: A B C D E
Murabahah receivables 257.410 1.418.293 1. Capital Adequacy Ratio (CAR) 55,87% 50,18% 1. Liabilities to other banks - - 0,00% - 0,00%
Musyarakah financing 111.436 (361.630) 2. Non performing earning assets and non earning assets to total earning assets and non earning assets 1,38% 1,85% 2. Mudharabah demand deposits
Funds of qardh (1) 414 3. Non performing earning assets to total earning assets 1,38% 1,85% a. Bank - - 0,00% - 0,00%
Other assets 13.757 2.039 4. Allowance for impairment on financial assets to earning assets 4,13% 4,82% b. Non Bank - - 0,00% - 0,00%
Increase (decrease) in operating liabilities: 5. Non Performing Financing (NPF) gross 2,93% 3,61% 3. Mudharabah savings deposits
Liabilities due immediately (9.544) (1.345) 6. Non Performing Financing (NPF) net 0,02% 0,02% a. Bank - - 0,00% - 0,00%
Deposits from customers 72.321 (131.836) 7. Return On Assets (ROA) 7,59% 6,12% b. Non Bank 981.114 43.590 1,00% 436 0,54%
Other liabilities (11.770) 32.257 8. Return On Equity (ROE) 14,52% 12,78% 4. Mudharabah time deposits
(Decrease) increase in 9. Net Interest (NI) 23,05% 24,49% a. Bank
temporary syirkah funds (156.452) (172.670) 10. Net Operating Margin (NOM) 7,80% 6,11% - 1 Month - - 0,00% - 0,00%
Net cash flows used in investing activities 1.415.531 1.457.936 11. Operating Expenses to Operating Income (BOPO) 68,76% 76,34% - 3 Month - - 0,00% - 0,00%
CASH FLOWS FROM INVESTING ACTIVITIES 12. Cost to Income Ratio (CIR) 48,56% 44,21% - 6 Month - - 0,00% - 0,00%
Proceeds from sale of fixed assets 4.045 4.294 13. Profit sharing financing to total financing 4,28% 3,69% - 12 Month - - 0,00% - 0,00%
Purchase of fixed assets (53.307) (64.794) 14. Financing to Deposit Ratio (FDR) 84,22% 87,26% b. Non Bank
Purchase of intangible assets (29.055) (47.442) Compliance - 1 Month 7.160.398 318.132 10,77% 21.621 3,67%
Purchase of marketable securities (4.717.241) (5.628.770) 1. a. Percentage violation of Legal Lending Limit (LLL) - 3 Month 1.368.193 60.788 10,79% 12.072 10,74%
Sale of marketable securities 4.638.029 4.251.572 - 6 Month 177.529 7.887 10,99% 3.267 22,39%
Net cash flows used in investing activities (157.529) (1.485.140) i. Related parties 0,00% 0,00% - 12 Month 25.901 1.151 11,66% 291 13,66%
CASH FLOWS FROM FINANCING ACTIVITIES ii. Non related parties 0,00% 0,00% 5. Marketable securities issued - - 0,00% - 0,00%
Payment of securities issued (200.000) - Total 9.713.135 431.548 37.687
Payments from borrowings - - b. Percentage of financing in excess of Legal Lending Limit (LLL)
Payments of dividend (259.604) (525.231) Average Balance Retained Earnings
Type of Fund Distribution
Payments of tax on dividend (6.174) (15.166) i. Related parties 0,00% 0,00% A B
Net cash flows provided from operating activities (465.778) (540.397) ii. Non related parties 0,00% 0,00% 1. Placements with other banks 9.903.025 31.101
NET (DECREASE) INCREASE IN CASH ANDCASH EQUIVALENTS 792.224 (567.601) 2. Murabahah receivables
CASH AND CASH EQUIVALENTS AT BEGINNING OF THE YEAR 3.644.385 4.260.714 2. Statutory reserve requirement a. Bank - -
CASH AND CASH EQUIVALENTS AT END OF THE YEAR 4.436.609 3.693.113 b. Non Bank 9.521.344 403.707
Cash and cash equivalents consist of: a. GWM rupiah 6,05% 4,95% 3. Istishna ' receivables
Cash 509.817 437.391 i. Daily 0,00% 0,00% a. Bank - -
Current accounts with Bank Indonesia 720.587 559.247 ii. Average 6,05% 4,95% b. Non Bank - -
Current accounts with other banks 9.548 6.975 4. Multiservices ijarah receivables
Placements with Bank Indonesia 990.000 600.000 b. GWM foreign currencies (Daily) 0,00% 0,00% a. Bank - -
Placements with other banks 254.500 244.500 b. Non Bank - -
Investments in marketable securities 1.952.157 1.845.000 3. Overall Net Open Position (NOP) 0,00% 0,00% 5. Funds of qardh
a. Bank - -
STATEMENT OF ASSETS QUALITY AND OTHER INFORMATION b. Non Bank - -
As of 30 September 2025 and 2024 (in Millions of Rupiah) 6. Mudharabah financing
INDIVIDUAL a. Bank - -
No. DESCRIPTION 30 September 2025 30 September 2024 b. Non Bank - -
Current Special Mention Sub Standard Doubtful Loss Total Current Special Mention Sub Standard Doubtful Loss Total 7. Musyarakah financing
I. RELATED PARTIES a. Bank - -
1. Placements with other banks b. Non Bank 593.592 4.700
a. Rupiah 6.806 - - - - 6.806 2.938 - - - - 2.938 8. Ijarah receivables
b. Foreign currencies - - - - - - - - - - - - a. Bank - -
2. Spot and forward receivables b. Non Bank - -
a. Rupiah - 9. Other financing
b. Foreign currencies - a. Bank - -
3. Securities b. Non Bank 78 -
a. Rupiah - - - - - - - - - - - - TOTAL 20.018.039 439.508
b. Foreign currencies - - - - - - - - - - - -
4. Acceptance receivables - - - - - - - - - - - - Net Revenue Sharing
5. Receivables and ijarah Fund Owners Portion
Types of Funds Average Income to be Distributed
a Micro, small and medium enterprises (UMKM) Ratio (%) Total of Profit Sharing Rate of Return Indication (%)
i. Rupiah - - - - - - - - - - - - A B C D E
ii. Foreign currencies - - - - - - - - - - - - 1. Liabilities to other banks - - 0,00% - 0,00%
b. Non Micro, small and medium enterprises (UMKM) 2. Mudharabah demand deposits
i. Rupiah - - - - - - - - - - - - a. Bank - - 0,00% - 0,00%
ii. Foreign currencies - - - - - - - - - - - - b. Non Bank - - 0,00% - 0,00%
c. Restructured loans 3. Mudharabah savings deposits
i. Rupiah - - - - - - - - - - - - a. Bank - - 0,00% - 0,00%
ii. Foreign currencies - - - - - - - - - - - - b. Non Bank - - 0,00% - 0,00%
6. Profit sharing financing 4. Mudharabah time deposits
a. Micro, small and medium enterprises (UMKM) a. Bank
i. Rupiah - - - - - - - - - - - - - 1 Month - - 0,00% - 0,00%
ii. Foreign currencies - - - - - - - - - - - - - 3 Month - - 0,00% - 0,00%
b. Non Micro, small and medium enterprises (UMKM) - 6 Month - - 0,00% - 0,00%
i. Rupiah - - - - - - - - - - - - - 12 Month - - 0,00% - 0,00%
ii. Foreign currencies - - - - - - - - - - - - b. Non Bank
c. Restructured loans - 1 Month - - 0,00% - 0,00%
i. Rupiah - - - - - - - - 3 Month - - 0,00% - 0,00%
ii. Foreign currencies - - - - - - - - - - - - - 6 Month - - 0,00% - 0,00%
7. Investment in share 297.000 - - - - 297.000 297.000 - - - - 297.000 - 12 Month - - 0,00% - 0,00%
8. Commitments and contingencies 5. Marketable securities issued - - 0,00% - 0,00%
a. Rupiah - - - - - - - - - - - - TOTAL - - 0,00% - 0,00%
b. Foreign currencies - - - - - - - - - - - -
II NON-RELATED PARTIES Average Balance Retained Earnings
Type of Fund Distribution
1. Placements with other banks A B
a. Rupiah 916 - - - - 916 914 - - - - 914 1. Placements with other banks - -
b. Foreign currencies - - - - - - - - - - - - 2. Murabahah receivables
2. Spot and forward receivables a. Bank - -
a. Rupiah - - - - - - - - - - - - b. Non Bank - -
b. Foreign currencies - - - - - - - - - - - - 3. Istishna ' receivables
3. Securities a. Bank - -
a. Rupiah 9.750.118 - - - - 9.750.118 8.958.298 - - - - 8.958.298 b. Non Bank - -
b. Foreign currencies - - - - - - - - - - - - 4. Multiservices ijarah receivables
4. Acceptance receivables - - - - - - - - - - - - a. Bank - -
5. Receivables and ijarah b. Non Bank - -
a Micro, small and medium enterprises (UMKM) 5. Funds of qardh
i. Rupiah 8.908.796 185.178 182.087 102.139 2.830 9.381.030 9.244.280 303.889 255.245 116.851 691 9.920.956 a. Bank - -
ii. Foreign currencies - - - - - - - - - - - - b. Non Bank - -
b. Non Micro, small and medium enterprises (UMKM) 6. Mudharabah financing
i. Rupiah 563 2.190 - - - 2.753 28.527 - 1 1 - 28.529 a. Bank - -
ii. Foreign currencies - - - - - - - - - - - - b. Non Bank - -
c. Restructured loans 7. Musyarakah financing
i. Rupiah 17.202 1.880 3.185 1.933 14 24.214 126.259 9.097 2.482 779 22 138.639 a. Bank - -
ii. Foreign currencies - - - - - - - - - - - - b. Non Bank - -
8. Ijarah receivables
6. Profit sharing financing a. Bank - -
a. Micro, small and medium enterprises (UMKM) b. Non Bank - -
i. Rupiah - - - - - - - - - - - - 9. Other financing
ii. Foreign currencies - - - - - - - - - - - - a. Bank - -
b. Non Micro, small and medium enterprises (UMKM) b. Non Bank - -
i. Rupiah 419.131 - - - - 419.131 381.299 - - - - 381.299 TOTAL - -
ii. Foreign currencies - - - - - - - - - - - -
c. Restructured loans
MANAGEMENT OF THE BANK AND SHARIA SUPERVISORY BOARD SHAREHOLDER
i. Rupiah - - - - - - - - - - - -
ii. Foreign currencies - - - - - - - - - - - - BOARD OF DIRECTORS : I. Ultimate shareholder :
7. Investment in share - - - - - - - - - - - - ● President Director : Hadi Wibowo PT Bank SMBC Indonesia Tbk. 70,00%
8. Commitments and contingencies ● Director of Compliance : Arief Ismail Ultimate Controlling Shareholder : Sumitomo Mitsui Financial Group
a. Rupiah - - - - - - - - - - - - ● Director : Fachmy Achmad Via Sumitomo Mitsui Banking Corporation
b. Foreign currencies - - - - - - - - - - - - ● Director : Dwiyono Bayu Winantio II. Other Shareholders (≤ 5% each) : 30,00%
III. OTHER INFORMATIONS ● Director : Dewi Nuzulianti
1. Bank assets pledge as collateral: BOARD OF COMMISSIONERS :
Jakarta, 28 October 2025
a. To Bank Indonesia - - ● President Commissioner/Independent : Kemal Azis Stamboel
b. To others parties - - ● Independent Commissioner : Mulya Effendi Siregar S.E. & O
2. Foreclosed collateral - - ● Independent Commissioner : Dewie Pelitawati
Board of Directors,
● Commissioner : Ongki Wanadjati Dana
Notes :
1. The presentation of this published financial report is published in order to comply with Regulation no. 37/POJK.03/2019 of the Financial Services Authority dated 20 December 2019 on "Transparency and Publication of Bank Reports" and Circular no. 10/SEOJK.03/2020 of the Financial Services Authority on "Transparency and Publication of Reports of Sharia Commercial SHARIA SUPERVISORY BOARD :
Banks and Sharia Business Units". And in order to comply with Regulation no. VIII.G.7, copy of the Decree of the Chairman of the Capital Market and Financial Institutions Supervisory Agency No. Kep-347/BL/2012 dated 25 June 2012 concerning the presentation and disclosure of financial reports of issuers or public companies. ● Chairman : H. Ikhwan Abidin, MA Hadi Wibowo Fachmy Achmad
● Member : H. Muhamad Faiz, MA President Director Director
2. The above published financial report information for the year ended 31 December 2024 has been prepared based on the financial report of PT Bank BTPN Syariah Tbk. for the year ended 31 December 2024 which has been audited by the auditing firm Siddharta Widjaja & Partners with the Partner in Charge Novie, S.E., CPA with an unmodified opinion in their report dated 14 ● Member : H. Cecep Maskanul Hakim, M.Ec
February 2025.
Names mentioned 31 people and organisations named in the text · linked when the evidence is strong
unresolved
org
Bank Indonesia
p.2 ×10
unresolved
org
Bank Sistemik
p.2
unresolved
org
Bank Dana
p.2
unresolved
—
PSP
· Pemegang Saham Pengendali
p.2
unresolved
org
Sumitomo Mitsui Banking Corporation
p.2
unresolved
org
Bank Umum Syariah
p.2
unresolved
org
Pengawas Syariah :
p.2
unresolved
org
Pengawas Pasar Modal & Lembaga Keuangan
p.2
unresolved
person
H. Muhamad Faiz
p.2 ×2
unresolved
org
Kantor Akuntan Publik Siddharta Widjaja & Rekan
p.2
unresolved
org
Kantor Akuntan Publik Siddharta Widjaja
p.2
unresolved
person
Novie
p.2
unresolved
person
H. Cecep Maskanul Hakim
p.2 ×4
unresolved
org
Via Sumitomo Mitsui Banking Corporation
p.3
unresolved
org
Financial Services Authority
p.3 ×2
unresolved
org
Siddharta Widjaja & Partners
p.3
unresolved
person
Charge Novie
p.3
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