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PT SMF Persero_30 Juni 2026 Unaudited.pdf

Financial statement Text extracted SMFP

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                                                                                                                                                     The original financial statements included herein are in the
                                                                                                                                                                                           Indonesian language.


                                        PT SARANA MULTIGRIYA FINANSIAL (PERSERO)                                                                PT SARANA MULTIGRIYA FINANSIAL (PERSERO)
                                                     LAPORAN ARUS KAS                                                                                   STATEMENT OF CASH FLOWS
                                            Untuk Tahun yang Berakhir pada Tanggal                                                                            For the Year Ended
                                                  30 Juni 2026 (Tidak Diaudit)                                                                          As of June 30, 2026 (Unaudited)
                                                (Disajikan dalam jutaan Rupiah,                                                                   (Expressed in millions of Indonesian Rupiah,
                                                    kecuali dinyatakan lain)                                                                               unless otherwise stated)
                                                                                             Tahun yang berakhir pada tanggal 30 Juni /       Tahun yang berakhir pada tanggal 31 Desember
                                                                                                                                                                                                                                            Januari
                                                                                                       Year Ended June 30 ,                            / Year Ended December 31 ,


                                                                                 Catatan /
                                                                                  Notes            2026                    2025                      2025                   2024
                                          ARUS KAS DARI                                                                                                                                                      CASH FLOWS FROM
                                             AKTIVITAS OPERASI                                                                                                                                          OPERATING ACTIVITIES

                                          Penerimaan kas dari:                                                                                                                                                      Cash received from:
                                          Pendapatan bunga dari                                                                                                                                                    Interest income from
                                             pinjaman yang                                                                                                                                                loans and sharia income
                                             diberikan dan                                                                                                                                                                 loans and
dapatan bunga pinjaman konsol                pendapatan syariah                                       1.316.280                1.203.909                2.375.298              2.309.246                              sharia income
                                          Pendapatan bunga dari                                                                                                                                                    Interest income from
dapatan bunga deposito                       deposito berjangka                                         281.268                   256.571                589.968                   398.628                              time deposit
                                          Pendapatan bunga dari                                                                                                                                                    Interest income from
                                             surat utang negara                                                                                                                                                Government Bonds
dapatan bunga SUN                            (SUN)                                                        44.619                   20.910                   47.225                  34.511                                     (SUN)
                                          Pendapatan bunga dari                                                                                                                                                    Interest income from
                                             efek beragun aset                                                                                                                                               Residential Mortgage
dapatan bunga eba                                                                                         19.235
                                             (EBA)                                                                                 29.429                   59.552                  88.386              Backed Securities (RMBS)
                                          Penerimaan angsuran                                                                                                                                                         Payment received
                                             pinjaman yang                                                                                                                                                                  from loan
erimaan pokok angsuran pinjaman                                                                       6.470.135
                                             diberikan                                                                         8.919.475               13.564.100             11.364.959                                  Installment
                                          Pendapatan bunga dari                                                                                                                                                  Interest received from
                                              Sekuritas Rupiah                                                                                                                                                    Bank Indonesia's
                                              Bank Indonesia (SRBI)                                           -                           -                    -                     5.992                       Rupiah Securities
                                          Penerimaan cicilan                                                                                                                                                    Payment received from
erimaan pokok EBA                             pokok EBA                                                 134.908                   164.435                302.687                   384.249          principal installment of RMBS
 penerbitan EBA                           Fee penerbitan EBA                                                492                       685                            -                   -                          Issuance RMBS fee
 pasan EBA                                Pelepasan EBA                                                     -                           -                   11.152                  14.551                         Divestment of RMBS
                                          Penerimaan jaminan                                                                                                                                                       Repayment of credit
gembalian Dana Pendukung Kredit               dana pendukung kredit                                        3.655                    5.805                   14.643                  18.995                       enhancement fund
                                          Penerimaan dari hasil                                                                                                                                                 Payment received from
erimaan lainnya                               lainnya                                                     21.994                   18.633                    5.418                   8.001                             other income
                                          Penerimaan angsuran                                                                                                                                                      Receipt from claims
                                              pinjaman karyawan                                            2.153                    2.850                    7.155                   5.194                            for tax refund
                                          Pengeluaran kas untuk:                                                                                                                                               Cash disbursement for:
                                          Penyaluran pinjaman                                                                                                                                                           Disbursement
geluaran pinjaman yang diberikan              yang diberikan                                        (14.091.618)             (11.335.415)             (20.876.092)           (17.201.565)                                   of loans
g Muka Obligasi                           Uang Muka Obligasi                                                  -                       -                              -                     -                            Advance-Bonds
                                          Penyaluran pinjaman                                                                                                                                                         Disbursement of
aman karyawan                                karyawan                                                      (1.130)                 (1.920)                  (3.240)                 (8.835)                         Employee Loan
                                          Investasi pada EBA                                                  -                       -                     (5.534)                 (7.066)                        Investment in RMBS
ga efek-efek yang dterbitkan              Bunga efek-efek yang dterbitkan                                                                                                                      Interest expenses from securities issued
                                              Bagi hasil sukuk                                         (831.486)                (848.757)              (1.584.903)            (1.540.660)                  Sukuk revenue sharing
ga utang bank                             Bunga utang bank                                             (368.920)                (292.536)                (534.617)              (432.252)                                  Bank loan
                                          Bunga liabilitas sewa                                             (90)                     (88)                    (154)                  (193)         Interest expense from lease liabilities
 dan tunjangan                            Gaji dan tunjangan                                              (38.163)                (39.073)               (100.544)                 (88.339)                       Salaries and benefits
                                          Umum, administrasi                                                                                                                                                   General, administrative
m                                             dan lainnya                                                 (60.503)                (54.234)               (105.030)              (110.689)                               and others
k penghasilan lainnya                     Pajak penghasilan lainnya                                       (15.450)                (15.350)               (127.508)               (98.168)                            Other income tax
                                          Pajak penghasilan                                                                                                                                                                 Corporate
k penghasilan badan                           badan                                                        (2.503)                 (3.610)                  (4.328)                (33.778)                            income tax
                                          Kas neto                                                                                                                                                                           Net cash
                                              (digunakan untuk)                                                                                                                                                         (used in)
                                              aktivitas operasi                                       (7.115.124)             (1.968.281)              (6.364.752)            (4.888.833)                     operating activities

                                          ARUS KAS DARI                                                                                                                                                          CASH FLOWS FROM
                                              AKTIVITAS INVESTASI                                                                                                                                         INVESTING ACTIVITIES
stasi pada SUN                            Investasi pada                                                                                                                                                                  Investment in
                                              Surat Berharga Pemerintah                                (281.040)               (165.065)                 (558.612)              (190.465)                  Government Securities
                                          Penerimaan investasi pada                                                                                                                                              Investment reciepts in
                                              Surat Berharga Pemerintah                                                                                                                                    Government Securities
                                              yang telah jatuh tempo                                        -                        -                          -                 23.560                        that have matured
naikan) penurunan Deposito > 3 bulan      Penarikan (penempatan) deposito                            (2.076.000)                  261.500               4.583.000             (2.782.000)      Withdrawal (placement) in time deposits
ambahan asset berwujud dalam              Penambahan aset dalam                                                                                                                                                    Addition of assets in
gerjaan                                                                             14
                                              penyelesaian - aset tetap                                    (3.491)                  (526)                   (1.057)                 (5.424)                  progress - fixed asset
ambahan asset tidak berwujud dalam        Penambahan aset dalam                                                                                                                                                    Addition of assets in
gerjaan                                       penyelesaian - aset tak berwujud                             (5.080)                   468                       -                    (1.696)            progress - intangible asset
 belian aset tetap                        Pembelian aset tetap                      14                     (1.606)                  (244)                      -                    (4.334)                    Addition of fixed assets
                                          Pembelian aset tak                                                                                                                                                              Acquisition of
 belian aset tak berwujud                                                           15
                                              berwujud                                                        -                                             (5.694)                    -                          intangible assets
                                          Kas neto                                                                                                                                                                            Net cash
                                              (digunakan untuk)                                                                                                                                                          (used in)
                                              aktivitas investasi                                     (2.367.217)                  96.133                4.017.637            (2.960.359)                     investing activities




                                       Catatan atas laporan keuangan terlampir merupakan                                                      The accompanying notes to the financial statements form an
                                             bagian integral dari laporan keuangan.                                                                   integral part of these financial statements.

                                                                                                                                    6
Page 10
                                                                                                         The original financial statements included herein are in the
                                                                                                                                               Indonesian language.


                 PT SARANA MULTIGRIYA FINANSIAL (PERSERO)                                            PT SARANA MULTIGRIYA FINANSIAL (PERSERO)
                         LAPORAN ARUS KAS (lanjutan)                                                    STATEMENT OF CASH FLOWS (continued)
                     Untuk Tahun yang Berakhir pada Tanggal                                                        For the Year Ended
                           30 Juni 2026 (Tidak Diaudit)                                                      As of June 30, 2026 (Unaudited)
                         (Disajikan dalam jutaan Rupiah,                                               (Expressed in millions of Indonesian Rupiah,
                             kecuali dinyatakan lain)                                                           unless otherwise stated)
                                                                                                                                                                            Januari
                                                   Tahun yang berakhir pada tanggal                Tahun yang berakhir pada tanggal
                                                         30 Juni/ Year Ended                          31 Desember / Year Ended
                                                              June 30 ,                                     December 31 ,
                                                                                        Catatan/
                                                       2026              2025                          2025              2024
                                                                                         Notes

                   ARUS KAS                                                                                                                            CASH FLOWS
                      DARI AKTIVITAS                                                                                                             FROM FINANCING
                      PENDANAAN                                                                                                                       ACTIVITIES

                   Penerimaan dari utang bank           8.000.000          7.015.000                   17.940.000        10.732.000              Proceed from bank loan
                   Penerimaan hasil penerbitan                                                                                                              Proceeds from
                      efek-efek diterbitkan             2.005.000            704.396                    3.930.575        11.812.964      issuance of securities issued
                   Penerimaan Uang muka                                                                                                        Advance receipt fof future
                      setoran modal                            -           1.891.000      22a           8.575.023                    -            shares subscription
                   Penerimaan
                      hasil penerbitan                                                                                                                Principal payment
                      sukuk musyarakah                    808.065            362.533                    1.057.805           803.010                        of sukuk
                   Pembayaran pokok                                                                                                                      Proceeds from
                      sukuk musyarakah                   (362.805)          (529.010)                    (803.010)               -                sukuk musyarakah
                   Pembayaran                                                                                                                         Principal payment
                      pokok utang bank                 (8.703.333)        (5.120.000)                  (13.173.333)       (8.907.000)                    of bank loan
                   Pembayaran pokok                                                                                                                     Principal payment
g Diterbitkan         efek-efek diterbitkan              (453.670)        (4.681.105)                   (7.514.005)       (4.348.460)             of securities issued
                   Pembayaran
                                                                                          22b
                      dividen tunai                      (113.079)          (107.967)                    (107.966)          (97.780)                   Paid cash dividend
                   Pembayaran emisi                                                                                                             Payment of issuence cost
                      efek-efek yang diterbitkan            (3.334)           (1.372)                       (5.791)         (15.296)              of securities issued
                   Pembayaran sewa                          (1.605)           (1.276)                       (3.263)          (4.467)                   Payment of leases                    (3

                   Kas neto                                                                                                                                     Net cash
                      (digunakan) untuk                  1.175.239          (467.801)                    9.896.035         9.974.971                       (used in)
                      aktivitas pendanaan                                                                                                        financing activities                   (200.3

                   (PENURUNAN)/KENAIKAN                                                                                                         (DECREASE)/INCREASE
                       KAS DAN SETARA                   (8.307.102)       (2.339.949)                    7.548.920         2.125.779           IN CASH AND CASH
                       KAS                                                                                                                          EQUIVALENTS                         (940.1

                   SALDO KAS                                                                                                                         CASH AND CASH
                      DAN SETARA KAS -                  12.562.628          5.013.708   2c,2d,4          5.013.708         2.887.929                EQUIVALENTS -
                      AWAL                                                                                                                             BEGINNING                      12.562.6

                   SALDO KAS                                                                                                                         CASH AND CASH
                      DAN SETARA KAS -                   4.255.526          2.673.759   2c,2d,4         12.562.628         5.013.708               EQUIVALENTS -
                      AKHIR                                                                                                                               ENDING                      11.622.4


                                                        4.255.526
                                                                -




                Catatan atas laporan keuangan terlampir merupakan                                  The accompanying notes to the financial statements form an
                      bagian integral dari laporan keuangan.                                               integral part of these financial statements.

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Published20 Jul 2026
Pages168
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