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Lampiran – Bukti Publikasi Website BTPN Syariah (24 Juli 2025)
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STATEMENT OF FINANCIAL
PT Bank BTPN Syariah Tbk.
30 June 2025
STATEMENT OF FINANCIAL POSITION STATEMENTS OF PROFIT OR LOSS AND OTHER COMPREHENSIVE INCOME CALCULATION OF CAPITAL ADEQUACY RATIO
As of 30 June 2025 and 31 December 2024 (in Millions of Rupiah) For The Periodes Ended 30 June 2025 and 2024 As of 30 June 2025 and 2024 (in Millions of Rupiah)
(in Millions of Rupiah, except net income per share)
INDIVIDUAL CONSOLIDATION INDIVIDUAL CONSOLIDATION 30 June 2025 30 June 2024
No DESCRIPTION 30 June 2025 31 Dec 2024 30 June 2025 31 Dec 2024 No DESCRIPTION 30 June 2025 30 June 2024 30 June 2025 30 June 2024 No COMPONENTS OF CAPITAL
INDIVIDUAL CONSOLIDATION INDIVIDUAL CONSOLIDATION
Unaudited Audited Unaudited Audited Unaudited Unaudited Unaudited Unaudited
I. Core Capital (Tier 1)
ASSETS OPERATING INCOME AND EXPENSES
1 Common Equity Tier 1 (CET 1)
A. Income & Expenses from Fund Management as Mudharib
1 Cash 484.341 592.911 484.341 592.911 1.1 Paid-in capital (net of treasury stock) 770.370 770.370 770.346 770.346
1 Income from Fund Management as Mudharib 2.598.723 2.731.082 2.604.148 2.736.857
2 Placements with Bank Indonesia 1.456.838 1.669.329 1.456.838 1.669.329 1.2 Reserve additional capital
a. Income from receivables
3 Placements with other Banks 2.964 2.195 11.155 251.956 1.2.1 Additional factor
i. Murabahah 2.283.433 2.460.980 2.283.433 2.460.980
4 Spot and forward receivables - - - - 1.2.1.1 Other comprehensive income
ii. Istishna' - - - -
5 Investments in marketable securities 9.269.131 8.849.141 9.322.353 8.901.904 1.2.1.1.1 Excess adjustment due to financial statement translation - - - -
iii. Multiservices ijarah - - - -
6 Securities purchased under resale agreements (reverse repo) - - - - 1.2.1.1.2 Potential gain due to increases of fair value of financial assets classified as fair value through other 260 260 60 60
iv. Ujrah - - - - comprehensive income
7 Acceptance receivables - - - -
v. Others - - - - 1.2.1.1.3 Surplus of fixed assets revaluation 13.053 13.053 5.239 5.239
8 Receivables
b. Income from Financing 1.2.1.2 Other disclosed reserves
a. Murabahah receivables 9.559.173 9.641.128 9.559.173 9.641.128
i. Mudharabah - - - - 1.2.1.2.1 Agio 880.995 880.995 880.356 880.356
b. Istishna’ receivables - - - -
ii. Musyarakah 15.496 628 15.496 628 1.2.1.2.2 General reserves 165.000 165.000 145.000 145.000
c. Multiservices ijarah receivables - - - -
1.2.1.2.3 Previous years profit after tax 7.147.041 7.155.336 6.360.097 6.379.838
iii. Others - - - -
d. Funds of qardh 68 64 68 64
1.2.1.2.4 Current year profit after tax 641.691 643.833 543.970 552.119
c. Income from ijarah - - - -
e. Ijarah receivables - - - - 1.2.1.2.5 Funds for paid-up capital - - - -
d. Others 299.794 269.474 305.219 275.249
9 Profit sharing financing 1.2.1.2.6 Capital contribution - - - -
2 Profit Sharing for Investors -/- (245.497) (256.011) (244.877) (256.004)
a. Mudharabah - - - - 1.2.1.2.7 Warrants issued - - - -
a. Non profit sharing (245.497) (256.011) (244.877) (256.004)
b. Musyarakah 585.567 530.567 585.567 530.567 1.2.1.2.8 Stock options issued for stock-based compensation program - - - -
b. Profit sharing - - - -
c. Others - - - - 1.2.2 Deduction factor
3 Net Income from Fund Management as Mudharib 2.353.226 2.475.071 2.359.271 2.480.853
10 Asset acquired for Ijarah - - - - 1.2.2.1 Other comprehensive expense
B. Operating Income and Expenses other than as Mudharib
11 Investment in share 297.000 297.000 - - 1.2.2.1.1 Negative adjustment due to financial statement translation - - - -
Gain/Loss from increase/decrease in fair value of financial assets - - - -
1 1.2.2.1.2 Potential losses due to impairment of fair value of financial assets classified as fair value through other - - - -
12 Other financial assets 261.674 249.534 261.674 249.534
comprehensive income
13 Allowance for impairment on financial assets -/- (881.854) (924.274) (884.515) (924.274) Gain/Loss from decrease/increase in fair value of financial liabilities - - - - 1.2.2.2 Other disclosed reserves
2
14 Salam - - - -
1.2.2.2.1 Disagio - - - -
3 Gain/Loss on sale of financial assets - - - -
15 Istishna' assets in progress - - - - 1.2.2.2.2 Previous years loss after tax that can be counted - - - -
4 Gain/Loss on spot and forward transactions (realised) - - - -
Istishna' term -/- - - - - 1.2.2.2.3 Current year loss after tax - - - -
5 Gain/Loss on investment under equity method - - - -
16 Inventory - - - - 1.2.2.2.4 Negative differences between regulatory provision and allowance for impairment losses of earning asset - - - -
6 Gain/Loss on foreign exchange translation - - 463 5.115
17 Intangible assets 202.380 212.953 202.380 212.953 1.2.2.2.5 Negative differences on adjustment of fair value on financial instrument in the Trading Book - - - -
7 Bank income as mudharib in mudharabah muqayyadah - - - -
18 Fixed assets and equipments 301.328 335.042 301.339 335.055 1.2.2.2.6 Regulatory provision on non earning assets - - - -
8 Dividend Income - - - - 1.3 Minority interest that can be counted
19 Non earning assets
9 Commission/provision/fees and administration income 849 739 849 739 1.4 Deduction factors of CET 1
a. Abandoned property - - - -
10 Other income 26.609 34.093 26.609 34.093 1.4.1 Deferred tax calculation (200.884) (206.723) (209.364) (207.687)
b. Foreclosed collaterals - - - -
11 Wadiah bonus expenses -/- (82) (300) (82) (300) 1.4.2 Goodwill - - - -
c. Suspense Accounts - - - -
12 Impairment for financial asset -/- (415.005) (722.313) (417.666) (722.739) 1.4.3 Investments in share calculated as deduction (202.380) (202.380) (210.591) (210.591)
d. Interoffice assets - - - -
13 Losses related to operational risks -/- (2.013) (4.036) (2.013) (4.036) 1.4.4 Shortfall on the capital of insurance subsidiaries (297.000) - (297.000) -
20 Other assets 352.649 281.066 358.536 286.453
14 Impairment for non financial assets -/- - - - - 1.4.5 Securitisation exposure - - - -
TOTAL ASSETS 21.891.259 21.736.656 21.658.909 21.747.580
15 Salaries and employee benefits -/- (756.291) (709.330) (757.873) (710.406) 1.4.6 Eksposur sekuritisasi - - - -
LIABILITIES AND EQUITIES
16 Promotion Expenses -/- (3.193) (3.805) (3.196) (3.807) 1.4.7 Other deduction factor of CET 1
LIABILITIES
1.4.7.1 Investment on AT1 and/or Tier 2 instrument to other bank - - - -
17 Other Expenses -/- (384.910) (377.720) (385.453) (377.826)
1 Wadiah Deposits 2 Additional Tier 1 (AT 1)
Net Operating Income/Expenses (1.534.036) (1.782.672) (1.538.362) (1.779.167)
a. Demand Deposits 39.399 6.792 39.399 6.792 - - - -
OPERATING INCOME/EXPENSES 819.190 692.399 820.909 701.686 2.1 Instruments which comply with AT 1 regulations
b. Savings Deposits 2.116.235 2.118.289 2.116.235 2.118.289 2.2 Agio / disagio (+/-) - - - -
NON-OPERATING INCOME/ EXPENSES
2 Non-profit sharing investments 2.3 Deduction factor of AT 1
1 Gain/Loss from sale of fixed assets and equipment 2.334 3.509 2.334 3.509
a. Demand Deposits - - - - 2.3.1 Investment on AT 1 and/or Tier 2 instrument to other bank - - - -
2 Other non-operating income/expenses (2.001) (917) (2.023) (921)
b. Savings Deposits 876.864 977.118 876.529 976.622 II. Supplemental Capital (Tier 2)
NON-OPERATING INCOME/EXPENSES 333 2.592 311 2.588
c. Time Deposits 8.673.912 8.622.730 8.428.345 8.622.730 1 Capital instrument in the form of stock or others which comply with tier 2 requirements - - - -
CURRENT YEAR PROFIT/LOSS BEFORE TAX 819.523 694.991 821.220 704.274
3 Electronic Money - - - - 2 Agio/Disagio (+/-) - - - -
Income taxes
4 Liabilities to Bank Indonesia - - - - 3 General provision on earning assets (max. 1.25% Credit Risk - Weighted Assets) 97.206 97.859 96.652 98.323
a. Estimated current year tax -/- (157.363) (86.145) (157.363) (86.145)
5 Liabilities to Other Banks - - - - 4 Appropriated reserves - - - -
b. Deferred tax income/expenses (20.469) (64.876) (20.008) (65.928)
5 Deduction supplemental capital
6 Spot and forward payables - - - -
CURRENT YEAR NET PROFIT/LOSS 641.691 543.970 643.849 552.201
5.1 Sinking Fund - - - -
7 Marketable securities issued - 200.000 - 200.000
MINORITY INTEREST PROFIT/LOSS 16 82 - - - -
5.2 Investment on Tier 2 instrument to other bank
8 Acceptance liabilities - - - -
OTHER COMPREHENSIVE INCOME TOTAL CAPITAL 9.015.352 9.317.603 8.084.765 8.413.003
9 Fund Borrowings - - - -
1 Items that will not be reclassified to profit or loss
10 Guarantee deposit - - - -
a. Gain/Loss from revaluation of properties - - - - 30 June 2025 30 June 2024 30 June 2025 30 June 2024
11 Interoffice liabilities - - - - DESCRIPTION
b. Gain/Loss from remeasurement on defined benefit plan - - - - INDIVIDUAL CONSOLIDATION INDIVIDUAL CONSOLIDATION INDIVIDUAL CONSOLIDATION INDIVIDUAL CONSOLIDATION
12 Other liabilities 503.062 506.441 503.148 506.553
c. Others - - - -
13 Profit sharing investment funds - - - - RISK WEIGHTED ASSETS RASIO KPMM
2 Items that will be reclassified to profit or loss
14 Minority interest 3.029 3.013 CREDIT RISK - WEIGHTED ASSETS 7.449.941 7.500.191 7.451.522 7.586.448 Rasio CET 1 (%) 52,33% 53,95% 48,01% 49,55%
a. Gain/Loss from exchange difference on translation of foreign
- - - -
TOTAL LIABILITIES 12.209.472 12.431.370 11.966.685 12.433.999 currency financial statement MARKET RISK - WEIGHTED ASSETS - - - - Rasio Tier 1 (%) 52,33% 53,95% 48,01% 49,55%
EQUITIES OPERATIONAL RISK - WEIGHTED ASSETS 9.593.236 9.590.539 9.185.583 9.194.553 Rasio Tier 2 (%) 0,57% 0,57% 0,58% 0,59%
b. Gain/Loss from changes of financial assets on measured at fair
(76) (83) (76) (83)
15 Share capital value through other comprehensive income
TOTAL RISK WEIGHTED ASSETS 17.043.177 17.090.730 16.637.105 16.781.001 Rasio KPMM (%) 52,90% 54,52% 48,59% 50,13%
a. Authorized share capital 2.750.000 2.750.000 2.750.000 2.750.000 c. Others - - - - CAR BASED ON RISK PROFILE (%) 9,21% 9,21% 9,18% 9,18% 43,69% 45,31% 39,41% 40,95%
b. Unpaid-in capital -/- (1.979.630) (1.979.630) (1.979.630) (1.979.630) OTHER COMPREHENSIVE INCOME FOR THE YEAR AFTER TAX (76) (83) (76) (83) CAPITAL ALLOCATION FOR CAR BASED ON
RISK PROFILE
c. Treasury stock -/- - (24) - (24) TOTAL OTHER COMPREHENSIVE INCOME FOR THE YEAR 641.615 543.887 643.773 552.118
From CET 1 (%) 8,64% 8,64% 8,60% 8,59% Capital Conservation Buffer (%) 2,50% 2,50% 2,50% 2,50%
16 Additional paid-in capital Current Year Net Profit/Loss Attributable to :
From AT 1 (%) 0,00% 0,00% 0,00% 0,00% Countercyclical Buffer (%) 0,00% 0,00% 0,00% 0,00%
a. Agio 842.784 842.145 842.784 842.145 Owner 641.691 543.970 643.833 552.119
From Tier 2 (%) 0,57% 0,57% 0,58% 0,59% Capital Surcharge untuk Bank Sistemik (%) 0,00% 0,00% 0,00% 0,00%
b. Disagio -/- - - - - Non controlling interest - - 16 82
c. Capital contribution - - - - TOTAL CURRENT YEAR NET PROFIT/LOSS 641.691 543.970 643.849 552.201
d. Fund for paid up capital - - - - Total Comprehensive Profit/Loss For The Year Attributable To : STATEMENT OF ALLOWANCE OF IMPAIRMENT OF LOSSES
e. Others 20.916 20.916 20.916 20.916 Owner 641.615 543.887 643.757 552.036 As of 30 June 2025 and 2024 (in Millions of Rupiah)
17 Other comprehensive income Non controlling interest - - 16 82
INDIVIDUAL
a. Gain 55.774 55.849 55.774 55.849 Total Comprehensive Profit/Loss For The Year 641.615 543.887 643.773 552.118
No DESCRIPTION 30 June 2025 30 June 2024
b. Loss -/- - - - - DIVIDEND (265.778) (540.397) (265.778) (540.397)
EARNINGS PER SHARE (in Rupiah) 83 71 84 72
Allowance for Impairment Regulatory Provision Allowance for Impairment Regulatory Provision
18 Reserve
Individual Collective General Specific Individual Collective General Specific
a. General reserve 165.000 145.000 165.000 145.000
STATEMENT OF COMMITMENTS AND CONTINGENCIES 1 Placements with other banks - - 30 - - - 44 -
b. Appropriated reserve - - - - As of 30 June 2025 and 31 December 2024 (in Millions of Rupiah)
2 Spot and forward receivables - - - - - - - -
19 Profit / Loss
INDIVIDUAL CONSOLIDATION 3 Securities - - 14.224 - - - 7.341 -
a. Previous years 7.451.030 6.938.705 7.459.325 6.958.446 No DESCRIPTION 30 June 2025 31 Dec 2024 30 June 2025 31 Dec 2024
4 Acceptance receivables - - - - - - - -
b. Current year 641.691 1.072.722 643.833 1.061.276 Unaudited Audited Unaudited Audited
5 Murabahah receivables - 881.782 90.526 105.923 - 926.541 96.182 63.973
c. Dividens paid -/- (265.778) (540.397) (265.778) (540.397) I. COMMITMENT RECEIVABLES
6 Istishna' receivables - - - - - - - -
TOTAL EQUITIES ATTRIBUTABLE TO OWNERS 9.681.787 9.305.286 9.692.224 9.313.581 1. Unused financing facilities - - - -
7 Multi-services ijarah receivables - - - - - - - -
TOTAL EQUITIES 9.681.787 9.305.286 9.692.224 9.313.581 2. Foreign currency positions to be received from spot and forward
- - - -
transactions 8 Funds of qardh - - 1 - - 25 1 25
TOTAL LIABILITIES AND EQUITIES 21.891.259 21.736.656 21.658.909 21.747.580
3. Others - - - - 9 Ijarah receivables - - - - - - - -
II. COMMITMENT PAYABLES 10 Mudharabah financing - - - - - - - -
CONSOLIDATED STATEMENTS OF CASH FLOWS 11 Musyarakah financing 72 - 5.855 - - 2.121 2.121 -
1. Unused financing facilities
For The Priodes Ended 30 June 2025 and 2024 (in Millions of Rupiah)
a. Committed - - - - 12 Other financing - - - - - - - -
30 June 2025 30 June 2024 13 Investments in shares - - 2.970 - - - 2.970 -
DESCRIPTION b. Uncommitted 164.433 170.028 164.433 170.028
Unaudited Unaudited
2. Outstanding irrevocable L/C - - - - 14 Commitments and contingencies - - - - - - - -
CASH FLOWS FROM OPERATING ACTIVITIES
3. Foreign currency positions to be submitted for spot and forward
- - - -
Receipts of income from fund management 2.592.573 2.708.639 transactions
STATEMENT OF SPOT AND FORWARD TRANSACTIONS
Payments of profit sharing for temporary syirkah funds (246.100) (257.788) 4. Others - - - - As of 30 June 2025 UnAudited (in Millions of Rupiah)
Receipts of administrative income 1.872 4.300 III. CONTINGENT RECEIVABLES
INDIVIDUAL
Receipts from recovery of written-off murabahah receivables 32.163 39.906 1. Guarantees received - - - -
No TRANSACTION Type Derivative Receivables & Payable
Payments of personnel expenses (834.085) (802.632) 2. Income from non performing financing Nominal
Non Hedging Hedging Receivables Payables
Payments of other operating expenses (814.000) (1.313.046) a. Murabahah 43.882 54.744 43.882 54.744
A Exchange Rate Related
Payments related with non-operating income (expenses) - net (2.018) (936) b. Istishna' - - - -
1 Spot - - - - -
c. Ijarah - - - -
Payments of corporate income tax (141.007) (99.426) 2 Forward - - - - -
Cash flows before changes in operating assets and liabilities 589.398 279.017 d. Profit Sharing - - - -
3 Other - - - - -
e. Others - - - -
Changes in operating assets, operating liabilities and temporary syirkah funds: B Other - - - - -
Decrease (increase) in operating assets: 3. Others - - - - TOTAL - - - - -
Placements with Bank Indonesia and other banks - - IV. CONTINGENT LIABILITIES
Murabahah receivables 81.955 1.132.276 1. Guarantees issued - - - - STATEMENT OF PROFIT SHARING DISTRIBUTION
As of 30 June 2025 UnAudited (in Millions of Rupiah)
2. Others - - - -
Musyarakah financing (55.000) (192.399)
Net Revenue Sharing
Funds of qardh (4) 380
Other assets 20.902 (3.973)
STATEMENT OF FINANCIAL RATIOS
As of 30 June 2025 and 2024 Fund Owners Portion
Types of Funds Average Income to be
Increase (decrease) in operating liabilities:
30 June 2025 30 June 2024 Balance Distributed
No RATIOS Rate of Return
Liabilities due immediately (4.673) 6.256 Ratio (%) Total of Profit Sharing
Indication (%)
PERFORMANCE RATIOS
Deposits from customers 30.553 (126.816) A B C D E
1 Capital Adequacy Ratio (CAR) 52,90% 48,59%
Other liabilities (7.158) 27.466 1 Liabilities to other banks - - 0,00% - 0,00%
2 Non performing earning assets and non earning assets to total earning assets and non earning assets 1,54% 1,63%
Minority rights - - 2 Mudharabah demand deposits
3 Non performing earning assets to total earning assets 1,54% 1,63%
Increase in temporary syirkah funds (256.412) (256.412) a. Bank - - 0,00% - 0,00%
4 Allowance for impairment on financial assets to earning assets 4,27% 4,74%
Net cash flows provided from operating activities 865.795 865.795 b. Non Bank - - 0,00% - 0,00%
5 Non Performing Financing (NPF) gross 3,14% 3,05%
CASH FLOWS FROM INVESTING ACTIVITIES 3 Mudharabah savings deposits
6 Non Performing Financing (NPF) net 0,03% 0,02%
a. Bank - - 0,00% - 0,00%
Proceeds from sale of fixed assets 3.555 3.555
7 Return On Assets (ROA) 7,61% 6,54%
b. Non Bank 809.634 35.971 1,00% 360 0,54%
Purchase of fixed assets (39.745) (39.745)
8 Return On Equity (ROE) 14,63% 13,77%
4 Mudharabah time deposits
Purchase of intangible assets (32.406) (32.406) 9 Net Interest (NI) 23,05% 24,82%
a. Bank
Purchase of marketable securities (4.100.331) (4.100.331) 10 Net Operating Margin (NOM) 7,75% 6,59%
- 1 Month - - 0,00% - 0,00%
Sale of marketable securities 2.097.112 2.097.112 11 Operating Expenses to Operating Income (BOPO) 68,81% 74,97%
- 3 Month - - 0,00% - 0,00%
Net cash flows used in investing activities (2.071.815) (2.071.815) 12 Cost to Income Ratio (CIR) 48,16% 43,63%
- 6 Month - - 0,00% - 0,00%
CASH FLOWS FROM FINANCING ACTIVITIES 13 Profit sharing financing to total financing 5,77% 2,03%
- 12 Month - - 0,00% - 0,00%
Payment of securities issued (200.000) - 14 Financing to Deposit Ratio (FDR) 86,66% 88,84% b. Non Bank
Payments from borrowings - - Compliance - 1 Month 7.028.870 312.288 10,77% 21.621 3,74%
Payments of dividend (259.604) (525.231) 1 a. Percentage violation of Legal Lending Limit (LLL) - 3 Month 1.257.098 55.852 10,79% 12.072 11,68%
Payments of tax on dividend (6.174) (15.166) i. Related parties 0,00% 0,00% - 6 Month 185.464 8.240 10,99% 3.267 21,43%
Net cash flows used in financing activities (465.778) (540.397) ii. Non related parties 0,00% 0,00% - 12 Month 31.261 1.389 11,66% 291 11,32%
NET INCREASE IN CASH AND CASH EQUIVALENTS (597.051) (1.746.417)
b. Percentage of financing in excess of Legal Lending Limit (LLL) 5 Marketable securities issued - - 0,00% - 0,00%
CASH AND CASH EQUIVALENTS AT BEGINNING OF THE YEAR 3.644.385 4.260.714
i. Related parties 0,00% 0,00% TOTAL 9.312.327 413.740 37.611
CASH AND CASH EQUIVALENTS AT END OF THE YEAR 3.047.334 2.514.297
ii. Non related parties 0,00% 0,00%
Cash and cash equivalents consist of: Average Balance Retained Earnings
2 Statutory reserve requirement Type of Fund Distribution
Cash 484.341 405.102 A B
a. GWM rupiah 4,53% 6,15%
Current accounts with Bank Indonesia 506.838 755.137 1 Placements with other banks 9.903.025 31.101
i. Daily 0,00% 0,00%
2 Murabahah receivables
Current accounts with other banks 3.655 6.584
ii. Average 4,53% 6,15%
a. Bank - -
Placements with Bank Indonesia 950.000 0
b. GWM foreign currencies (Daily) 0,00% 0,00%
b. Non Bank 9.657.909 374.496
Placements with other banks 7.500 242.500
3 Overall Net Open Position (NOP) 0,00% 0,00% 3 Istishna’ receivables
Investments in marketable securities 1.095.000 1.104.974
a. Bank - -
b. Non Bank - -
STATEMENT OF ASSETS QUALITY AND OTHER INFORMATION 4 Multiservices ijarah receivables
As of 30 June 2025 and 2024 (in Millions of Rupiah)
a. Bank - -
INDIVIDUAL b. Non Bank - -
5 Funds of qardh
No DESCRIPTION 30 June 2025 30 June 2024
a. Bank - -
Current "Special "Sub Doubtful Loss Total Current "Special "Sub Doubtful Loss Total
Mention" Standard" Mention" Standard" b. Non Bank - -
I. RELATED PARTIES 6 Mudharabah financing
a. Bank - -
1 Placements with other banks
b. Non Bank - -
a. Rupiah 2.042 - - - - 2.042 3.354 - - - - 3.354
7 Musyarakah financing
b. Foreign currencies - - - - - - - - - - - -
a. Bank - -
2 Spot and forward receivables b. Non Bank 574.695 2.101
a. Rupiah - - - - - - - - - - - - 8 Ijarah receivables
b. Foreign currencies - - - - - - - - - - - - a. Bank - -
b. Non Bank - -
3 Securities
9 Other financing
a. Rupiah - - - - - - - - - - - -
a. Bank - -
b. Foreign currencies - - - - - - - - - - - -
b. Non Bank 73 -
4 Acceptance receivables - - - - - - - - - - - - TOTAL 20.135.702 407.698
5 Receivables and ijarah Profit Sharing
a Micro, small and medium enterprises (UMKM) - - - - - - - - - - - -
Fund Owners Portion
i. Rupiah - - - - - - - - - - - - Average Income to be
Types of Funds
Balance Distributed
Rate of Return
ii. Foreign currencies - - - - - - - - - - - - Ratio (%) Total of Profit Sharing
Indication (%)
b. Non Micro, small and medium enterprises (UMKM) - - - - - - - - - - - - A B C D E
i. Rupiah - - - - - - - - - - - - 1 Liabilities to other banks
ii. Foreign currencies - - - - - - - - - - - - 2 Mudharabah demand deposits
a. Bank - - 0,00% - 0,00%
c. Restructured loans
b. Non Bank - - 0,00% - 0,00%
i. Rupiah - - - - - - - - - - - -
3 Mudharabah savings deposits
ii. Foreign currencies - - - - - - - - - - - -
a. Bank - - 0,00% - 0,00%
6 Profit sharing financing b. Non Bank - - 0,00% - 0,00%
a Micro, small and medium enterprises (UMKM) - - - - - - - - - - - - 4 Mudharabah time deposits
i. Rupiah - - - - - - - - - - - - a. Bank
ii. Foreign currencies - - - - - - - - - - - - - 1 Month - - 0,00% - 0,00%
- 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%
- 12 Month - - 0,00% - 0,00%
7 Investment in share 297.000 - - - - 297.000 297.000 - - - - 297.000
5 Marketable securities issued - - 0,00% - 0,00%
8 Commitments and contingencies
TOTAL - - -
a. Rupiah - - - - - - - - - - - -
b. Foreign currencies - - - - - - - - - - - - Average Balance Retained Earnings
Type of Fund Distribution
II. NON-RELATED PARTIES A B
1 Placements with other banks - -
1 Placements with other banks
2 Murabahah receivables
a. Rupiah 922 - - - - 922 1.023 - - - - 1.023
a. Bank - -
b. Foreign currencies - - - - - - - - - - - -
b. Non Bank - -
2 Spot and forward receivables
3 Istishna’ receivables
a. Rupiah - - - - - - - - - - - - a. Bank - -
b. Foreign currencies - - - - - - - - - - - - b. Non Bank - -
3 Securities 4 Multiservices ijarah receivables
a. Bank - -
a. Rupiah 9.269.131 - - - - 9.269.131 8.844.267 - - - - 8.844.267
b. Non Bank - -
b. Foreign currencies - - - - - - - - - - - -
5 Funds of qardh
4 Acceptance receivables - - - - - - - - - - - -
a. Bank - -
5 Receivables and ijarah - -
b. Non Bank
a Micro, small and medium enterprises (UMKM) 6 Mudharabah financing
i. Rupiah 9.050.444 187.844 183.650 132.133 2.917 9.556.988 9.589.230 298.720 314.211 3.785 533 10.206.479 a. Bank - -
ii. Foreign currencies - - - - - - - - - - - - b. Non Bank - -
7 Musyarakah financing
b. Non Micro, small and medium enterprises (UMKM)
a. Bank - -
i. Rupiah 2.253 - - - - 2.253 29.055 1 1 - - 29.057
b. Non Bank - -
ii. Foreign currencies - - - - - - - - - - - -
8 Ijarah receivables
c. Restructured loans - -
a. Bank
i. Rupiah 32.990 3.337 3.645 2.992 54 43.018 320.738 12.613 3.978 690 23 338.042 b. Non Bank - -
ii. Foreign currencies - - - - - - - - - - - - 9 Other financing
a. Bank - -
6 Profit sharing financing - - - - - - - - - - - -
b. Non Bank - -
a Micro, small and medium enterprises (UMKM)
TOTAL - -
i. Rupiah - - - - - - - - - - - -
ii. Foreign currencies - - - - - - - - - - - - STATEMENT OF SOURCES AND DISTRIBUTION OF ZAKAT FUNDS
b. Non Micro, small and medium enterprises (UMKM) As of 30 June 2025 and 2024 (In Millions of Rupiah)
i. Rupiah 585.567 - - - - 585.567 212.068 - - - - 212.068 30 June 2025 31 December 2024
No URAIAN Unaudited Audited
ii. Foreign currencies - - - - - - - - - - - -
A Sources and distribution of zakat funds
c. Restructured loans
1 Sources of zakat funds :
i. Rupiah - - - - - - - - - - - - a. Internal bank - -
ii. Foreign currencies - - - - - - - - - - - - b.External bank - -
7 Investment in share - - - - - - - - - - - - Total receipt - -
2 Distribution of zakat funds distributed to other institutions
8 Commitments and contingencies
a. Lembaga amil zakat - -
a. Rupiah - - - - - - - - - - - -
b. Badan amil zakat - -
b. Foreign currencies - - - - - - - - - - - -
Total distribution - -
III. OTHER INFORMATIONS
1 Bank assets pledge as collateral: B Sources and distribution of waqf funds
a. To Bank Indonesia - - 1 Sources of waqf funds:
b. To others parties - - a. Internal bank - -
b.External bank - -
2 Foreclosed collateral - -
Total receipt - -
Notes: 2 Distribution of waqf funds distributed to other institutions
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/ a. Badan Wakaf Indonesia - -
b. Other Institutions - -
SEOJK.03/2020 of the Financial Services Authority on “Transparency and Publication of Reports of Sharia Commercial 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
c. … - -
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.
Others - -
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
Total distribution - -
Siddharta Widjaja & Partners with the Partner in Charge Novie, S.E., CPA with an unmodified opinion in their report dated 14 February 2025.
STATEMENT OF SOURCES AND DISTRIBUTION OF QARDHUL HASAN FUNDS
MANAGEMENT OF THE BANK AND SHARIA SUPERVISORY BOARD SHAREHOLDER As of 30 June 2025 and 2024 (In Millions of Rupiah)
30 June 2025 31 December 2024
BOARD OF DIRECTORS : I. Ultimate shareholder : No URAIAN Unaudited Audited
• President Director : Hadi Wibowo PT Bank BTPN Tbk. 70,00%
• Director of Compliance : Arief Ismail Ultimate Controlling Shareholder : Sumitomo Mitsui Financial Group 1. Beginning balance of qardhul hasan funds 2.796 3.409
• Director : Fachmy Achmad Via Sumitomo Mitsui Banking Corporation 2. Sources of qardhul hasan funds
• Director : Dwiyono Bayu Winantio II. Other Shareholders (≤ 5% each) : 30,00% a. Infaq and shadaqah - 150
• Director : Dewi Nuzulianti
b. Qardhul hasan refund - -
BOARD OF COMMISSIONERS :
c. Penalty 227 167
• President Commissioner/Independent : Kemal Azis Stamboel
• Independent Commissioner : Mulya Effendi Siregar d. Non-halal income 28 166
• Independent Commissioner : Dewie Pelitawati e. Others - -
• Commissioner : Ongki Wanadjati Dana Total receipt 255 483
SHARIA SUPERVISORY BOARD :
3. Uses of qardhul hasan funds
• Chairman : H. Ikhwan Abidin, MA
a. Productive distribution - -
• Member : H. Muhamad Faiz, MA
• Member : H. Cecep Maskanul Hakim, M.Ec* b. Donation - -
c. Others 1.664 1.096
*) Effective on 10 July 2025 based on the Decree of the Board of Commissioners of Financial Services
Authorithy Number KEPR-68/D.03/2025 dated 10 July 2025. Total distribution 1.664 1.096
4. Increase/(decrease) qardhul hasan funds (1.409) (613)
Jakarta, 24 July 2025 5. Ending balance of qardhul hasan funds 1.387 2.796
S.E. & O
Board of Directors,
Hadi Wibowo Fachmy Ahmad
President Director Director
Page 3
LAPORAN KEUANGAN
PT Bank BTPN Syariah Tbk.
30 Juni 2025
LAPORAN POSISI KEUANGAN (NERACA) TRIWULANAN LAPORAN LABA RUGI DAN PENGHASILAN KOMPREHENSIF LAIN TRIWULANAN LAPORAN PERHITUNGAN KEWAJIBAN PENYEDIAAN MODAL MINIMUM (KPMM) TRIWULANAN
Tanggal 30 Juni 2025 dan 31 Desember 2024 (Dalam Jutaan Rupiah) Untuk periode-periode yang berakhir pada tanggal 30 Juni 2025 dan 2024 Tanggal 30 Juni 2025 dan 2024 (Dalam Jutaan Rupiah)
(Dalam jutaan Rupiah, kecuali laba bersih per saham)
INDIVIDUAL KONSOLIDASI INDIVIDUAL KONSOLIDASI 30 Juni 2025 30 Juni 2024
No POS-POS No POS-POS No KOMPONEN MODAL
30 Juni 2025 31 Des 2024 30 Juni 2025 31 Des 2024 30 Juni 2025 30 Juni 2024 30 Juni 2025 30 Juni 2024 INDIVIDUAL KONSOLIDASI INDIVIDUAL KONSOLIDASI
Tidak Diaudit Diaudit Tidak Diaudit Diaudit Tidak Diaudit Tidak Diaudit Tidak Diaudit Tidak Diaudit
I. Modal Inti (Tier 1)
ASET PENDAPATAN DAN BEBAN OPERASIONAL
1 Modal Inti Utama (CET 1)
1 Kas 484.341 592.911 484.341 592.911 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 Pendapatan dari Penyaluran Dana 2.598.723 2.731.082 2.604.148 2.736.857
2 Penempatan pada Bank Indonesia 1.456.838 1.669.329 1.456.838 1.669.329 1.2 Cadangan Tambahan Modal
3 Penempatan pada bank lain 2.964 2.195 11.155 251.956 a. Pendapatan dari piutang
1.2.1 Faktor Penambah
4 Tagihan spot dan forward - - - - i. Murabahah 2.283.433 2.460.980 2.283.433 2.460.980
1.2.1.1 Penghasilan Komprehensif Lain
5 Surat berharga dimiliki 9.269.131 8.849.141 9.322.353 8.901.904 ii. Istishna' - - - -
1.2.1.1.1 Selisih lebih karena penjabaran laporan keuangan - - - -
iii. Multijasa - - - -
6 Tagihan atas surat berharga yang dibeli dengan janji - - - - 1.2.1.1.2 Potensi keuntungan dari peningkatan nilai wajar aset keuangan yang diukur pada nilai wajar melalui 260 260 60 60
dijual kembali (reverse repo) iv. Ujrah - - - - penghasilan komprehensif lain
7 Tagihan akseptasi - - - - v. Lainnya - - - - 1.2.1.1.3 Saldo surplus revaluasi aset tetap 13.053 13.053 5.239 5.239
8 Piutang b. Pendapatan dari bagi hasil 1.2.1.2 Cadangan Tambahan modal lainnya (other disclosed reserves)
a. Piutang murabahah 9.559.173 9.641.128 9.559.173 9.641.128 i. Mudharabah - - - - 1.2.1.2.1 Agio saham biasa 880.995 880.995 880.356 880.356
b. Piutang istishna’ - - - - ii. Musyarakah 15.496 628 15.496 628 1.2.1.2.2 Cadangan umum 165.000 165.000 145.000 145.000
c. Piutang multijasa - - - - iii. Lainnya - - - - 1.2.1.2.3 Laba tahun-tahun lalu setelah diperhitungkan pajak 7.147.041 7.155.336 6.360.097 6.379.838
d. Piutang qardh 68 64 68 64 c. Pendapatan sewa - - - - 1.2.1.2.4 Laba tahun berjalan setelah diperhitungkan pajak 641.691 643.833 543.970 552.119
e. Piutang sewa - - - - 1.2.1.2.5 Dana setoran modal - - - -
d. Lainnya 299.794 269.474 305.219 275.249
2 Bagi Hasil untuk Pemilik Dana Investasi -/- (245.497) (256.011) (244.877) (256.004) 1.2.1.2.6 Modal sumbangan - - - -
9 Pembiayaan bagi hasil
1.2.1.2.7 Waran yang diterbitkan - - - -
a. Mudharabah - - - - a. Non profit sharing (245.497) (256.011) (244.877) (256.004)
1.2.1.2.8 Opsi saham yang diterbitkan dalam rangka program kompensasi berbasis saham - - - -
b. Musyarakah 585.567 530.567 585.567 530.567 b. Profit sharing - - - -
1.2.2 Faktor Pengurang
c. Lainnya - - - - 3 Pendapatan Setelah Distribusi Bagi Hasil 2.353.226 2.475.071 2.359.271 2.480.853
1.2.2.1 Penghasilan Komprehensif Lain
10 Pembiayaan sewa - - - - B. Pendapatan dan Beban Operasional Selain Penyaluran Dana
1.2.2.1.1 Selisih kurang penjabaran laporan keuangan - - - -
11 Penyertaan modal 297.000 297.000 - - Keuntungan/kerugian dari peningkatan/penurunan nilai wajar - - - -
1 1.2.2.1.2 Potensi kerugian dari penurunan nilai wajar aset keuangan yang diukur pada nilai wajar melalui - - - -
aset keuangan
12 Aset keuangan lainnya 261.674 249.534 261.674 249.534 penghasilan komprehensif lain
Keuntungan/kerugian dari penurunan/peningkatan nilai wajar - - - -
13 Cadangan kerugian penurunan nilai aset keuangan -/- (881.854) (924.274) (884.515) (924.274) 2 1.2.2.2 Cadangan Tambahan modal lainnya (other disclosed reserves)
liabilitas keuangan
14 Salam - - - - 3 Keuntungan/kerugian penjualan aset keuangan - - - - 1.2.2.2.1 Disagio saham biasa - - - -
15 Aset istishna’ dalam penyelesaian - - - - 4 Keuntungan/kerugian transaksi spot dan forward (realised) - - - - 1.2.2.2.2 Rugi tahun-tahun lalu yang dapat diperhitungkan - - - -
Termin istishna’ -/- - - - - 5 Keuntungan/kerugian dari penyertaan dengan equity method - - - - 1.2.2.2.3 Rugi tahun berjalan yang dapat diperhitungkan - - - -
16 Persediaan - - - - 6 Keuntungan/kerugian penjabaran transaksi valuta asing - - 463 5.115 1.2.2.2.4 Selisih kurang antara Penyisihan Penghapusan Aset (PPA) dan Cadangan Kerugian Penurunan Nilai - - - -
(CKPN) atas aset produktif
17 Aset tidak berwujud 202.380 212.953 202.380 212.953 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 - - - -
18 Aset tetap dan inventaris 301.328 335.042 301.339 335.055 8 Dividen - - - -
1.2.2.2.6 PPA atas aset nonproduktif yang wajib dibentuk - - - -
19 Aset nonproduktif 9 Komisi/provisi/fee dan administrasi 849 739 849 739 1.3 Kepentingan nonpengendali yang dapat diperhitungkan
a. Properti terbengkalai - - - - 10 Pendapatan lainnya 26.609 34.093 26.609 34.093 1.4 Faktor pengurang Modal Inti Utama
b. Agunan yang diambil alih - - - - 11 Beban bonus wadiah -/- (82) (300) (82) (300)
1.4.1 Perhitungan pajak tangguhan (200.884) (206.723) (209.364) (207.687)
c. Rekening tunda - - - - Beban (pemulihan) kerugian penurunan nilai aset keuangan (415.005) (722.313) (417.666) (722.739)
12 1.4.2 Goodwill - - - -
(impairment) -/-
d. Aset antar kantor - - - -
1.4.3 Seluruh Aset tidak berwujud lainnya (202.380) (202.380) (210.591) (210.591)
13 Kerugian terkait risiko operasional -/- (2.013) (4.036) (2.013) (4.036)
20 Aset Lainnya 352.649 281.066 358.536 286.453
1.4.4 Penyertaan yang diperhitungan sbg faktor pengurang (297.000) - (297.000) -
14 Kerugian penurunan nilai aset lainnya (nonkeuangan) -/- - - - -
TOTAL ASET 21.891.259 21.736.656 21.658.909 21.747.580
1.4.5 Kekurangan modal pada perusahaan anak asuransi - - - -
15 Beban tenaga kerja -/- (756.291) (709.330) (757.873) (710.406)
LIABILITAS DAN EKUITAS 1.4.6 Eksposur sekuritisasi - - - -
16 Beban promosi -/- (3.193) (3.805) (3.196) (3.807)
LIABILITAS 1.4.7 Faktor Pengurang modal inti lainnya
17 Beban lainnya -/- (384.910) (377.720) (385.453) (377.826)
1 Dana simpanan wadiah 1.4.7.1 Penempatan dana pada instrumen AT 1 dan/atau Tier 2 pada bank lain - - - -
Pendapatan/ Beban Operasional Lainnya Bersih (1.534.036) (1.782.672) (1.538.362) (1.779.167)
a. Giro 39.399 6.792 39.399 6.792 2 Modal Inti Tambahan / Additional Tier 1 (AT 1)
LABA/ RUGI OPERASIONAL 819.190 692.399 820.909 701.686
b. Tabungan 2.116.235 2.118.289 2.116.235 2.118.289 2.1 Instrumen yang memenuhi persyaratan AT-1 - - - -
PENDAPATAN DAN BEBAN NON OPERASIONAL
2 Dana investasi non profit sharing 2.2 Agio / disagio (+/-) - - - -
1 Keuntungan/ kerugian penjualan aset tetap dan inventaris 2.334 3.509 2.334 3.509
a. Giro - - - - 2.3 Faktor Pengurang Modal Inti Tambahan
2 Pendapatan/ beban non operasional lainnya (2.001) (917) (2.023) (921)
b. Tabungan 876.864 977.118 876.529 976.622 2.3.1 Penempatan dana pada instrumen AT 1 dan/atau Tier 2 pada bank lain - - - -
LABA/ RUGI NON OPERASIONAL 333 2.592 311 2.588
II. Modal Pelengkap (Tier 2)
c. Deposito 8.673.912 8.622.730 8.428.345 8.622.730
LABA/ RUGI TAHUN BERJALAN SEBELUM PAJAK 819.523 694.991 821.220 704.274
1 Instrumen modal dalam bentuk saham atau lainnya yang memenuhi persyaratan Tier 2 - - - -
3 Uang elektronik - - - -
Pajak penghasilan
2 Agio / disagio - - - -
4 Liabilitas kepada Bank Indonesia - - - -
a. Taksiran pajak tahun berjalan -/- (157.363) (86.145) (157.363) (86.145)
3 Cadangan umum PPA atas aset produktif yang wajib dibentuk (paling tinggi 1,25% ATMR Risiko Kredit) 97.206 97.859 96.652 98.323
5 Liabilitas kepada bank lain - - - -
b. Pendapatan (beban) pajak tangguhan (20.469) (64.876) (20.008) (65.928) 4 Cadangan tujuan - - - -
6 Liabilitas spot dan forward - - - -
LABA/ RUGI BERSIH TAHUN BERJALAN 641.691 543.970 643.849 552.201
5 Faktor Pengurang Modal Pelengkap
7 Surat berharga diterbitkan - 200.000 - 200.000
LABA/ RUGI KEPENTINGAN MINORITAS 16 82 5.1 Sinking Fund - - - -
8 Liabilitas akseptasi - - - -
5.2 Penempatan dana pada instrumen Tier 2 pada bank lain - - - -
PENGHASILAN KOMPREHENSIF LAIN
9 Pembiayaan yang diterima - - - -
TOTAL MODAL 9.015.352 9.317.603 8.084.765 8.413.003
1 Pos-pos yang tidak akan direklasifikasi ke laba rugi
10 Setoran jaminan - - - -
a. Keuntungan yang berasal dari revaluasi aset tetap - - - - 30 Juni 2025 30 Juni 2024 30 Juni 2025 30 Juni 2024
11 Liabilitas antar kantor - - - -
b. Keuntungan/kerugian yang berasal dari pengukuran kembali atas KETERANGAN KETERANGAN
12 Liabilitas lainnya 503.062 506.441 503.148 506.553 - - - - INDIVIDUAL KONSOLIDASI INDIVIDUAL KONSOLIDASI INDIVIDUAL KONSOLIDASI INDIVIDUAL KONSOLIDASI
program pensiun manfaat pasti
13 Dana investasi profit sharing - - - -
c. Lainnya - - - - ASET TERTIMBANG MENURUT RISIKO RASIO KPMM
14 Kepentingan minoritas (minority interest) 3.029 3.013 2 Pos-pos yang akan direklasifikasi ke laba rugi
ATMR RISIKO KREDIT 7.449.941 7.500.191 7.451.522 7.586.448 Rasio CET 1 (%) 52,33% 53,95% 48,01% 49,55%
TOTAL LIABILITAS 12.209.472 12.431.370 11.966.685 12.433.999
a. Keuntungan/kerugian yang berasal dari penyesuaian akibat
- - - - ATMR RISIKO PASAR - - - - Rasio Tier 1 (%) 52,33% 53,95% 48,01% 49,55%
EKUITAS penjabaran laporan keuangan dalam mata uang asing
ATMR RISIKO OPERASIONAL 9.593.236 9.590.539 9.185.583 9.194.553 Rasio Tier 2 (%) 0,57% 0,57% 0,58% 0,59%
15 Modal disetor b. Keuntungan/kerugian yang berasal dari peningkatan nilai wajar
(MTM) aset keuangan instrumen ekuitas yang diukur pada nilai (76) (83) (76) (83) TOTAL ATMR 17.043.177 17.090.730 16.637.105 16.781.001 Rasio KPMM (%) 52,90% 54,52% 48,59% 50,13%
a. Modal dasar 2.750.000 2.750.000 2.750.000 2.750.000 wajar melalui penghasilan komprehensif lainnya
RASIO KPMM SESUAI PROFIL RISIKO (%) 9,21% 9,21% 9,18% 9,18% CET 1 UNTUK BUFFER (%) 43,69% 45,31% 39,41% 40,95%
b. Modal yang belum disetor -/- (1.979.630) (1.979.630) (1.979.630) (1.979.630) c. Lainnya - - - -
ALOKASI PEMENUHAN KPMM SESUAI PROSENTASE BUFFER YANG WAJIB DIPENUHI
c. Saham yang dibeli kembali (treasury stock) -/- - (24) - (24) PENGHASILAN KOMPREHENSIF LAIN TAHUN BERJALAN PROFIL RISIKO OLEH BANK (%)
(76) (83) (76) (83)
SETELAH PAJAK
16 Tambahan modal disetor Dari CET 1 (%) 8,64% 8,64% 8,60% 8,59% Capital Conservation Buffer (%) 2,50% 2,50% 2,50% 2,50%
TOTAL LABA (RUGI) KOMPREHENSIF TAHUN BERJALAN 641.615 543.887 643.773 552.118
a. Agio 842.784 842.145 842.784 842.145 Dari AT 1 (%) 0,00% 0,00% 0,00% 0,00% Countercyclical Buffer (%) 0,00% 0,00% 0,00% 0,00%
b. Disagio -/- - - - - Laba/Rugi Bersih Tahun Berjalan yang Dapat Diatribusikan Kepada :
Dari Tier 2 (%) 0,57% 0,57% 0,58% 0,59% Capital Surcharge untuk Bank Sistemik (%) 0,00% 0,00% 0,00% 0,00%
c. Modal sumbangan - - - - Pemilik 641.691 543.970 643.833 552.119
d. Dana setoran modal - - - - Kepentingan Nonpengendali - - 16 82
TOTAL LABA/RUGI BERSIH TAHUN BERJALAN 641.691 543.970 643.849 552.201
CADANGAN KERUGIAN PENURUNAN NILAI DAN PENYISIHAN PENGHAPUSAN ASET
e. Lainnya 20.916 20.916 20.916 20.916 Tanggal 30 Juni 2025 dan 2024 (Dalam Jutaan Rupiah)
Laba/Rugi Komprehensif Tahun Berjalan yang Dapat Diatribusikan Kepada :
17 Penghasilan komprehensif lain
Pemilik 641.615 543.887 643.757 552.036 INDIVIDUAL
a. Keuntungan 55.774 55.849 55.774 55.849
Kepentingan Nonpengendali - - 16 82
No POS-POS 30 Juni 2025 30 Juni 2024
b. Kerugian - - - -
TOTAL LABA/RUGI KOMPREHENSIF TAHUN BERJALAN 641.615 543.887 643.773 552.118 CKPN PPA wajib dibentuk CKPN PPA wajib dibentuk
18 Cadangan
DIVIDEN (265.778) (540.397) (265.778) (540.397) Individual Kolektif Umum Khusus Individual Kolektif Umum Khusus
a. Cadangan umum 165.000 145.000 165.000 145.000
LABA BERSIH PER SAHAM 83 71 84 72 1 Penempatan pada bank lain - - 30 - - - 44 -
b. Cadangan tujuan - - - -
2 Tagihan spot dan forward - - - - - - - -
19 Laba/ rugi
LAPORAN KOMITMEN DAN KONTINJENSI TRIWULANAN 3 Surat berharga dimiliki - - 14.224 - - - 7.341 -
a. Tahun-tahun lalu 7.451.030 6.938.705 7.459.325 6.958.446 Tanggal 30 Juni 2025 dan 31 Desember 2024 (Dalam Jutaan Rupiah)
4 Tagihan akseptasi - - - - - - - -
b. Tahun berjalan 641.691 1.072.722 643.833 1.061.276
INDIVIDUAL KONSOLIDASI 5 Piutang murabahah - 881.782 90.526 105.923 - 926.541 96.182 63.973
c. Dividen yang dibayarkan -/- (265.778) (540.397) (265.778) (540.397) No POS-POS 30 Juni 2025 31 Des 2024 30 Juni 2025 31 Des 2024
6 Piutang istishna’ - - - - - - - -
TOTAL EKUITAS YANG DAPAT DIATRIBUSIKAN KEPADA PEMILIK 9.681.787 9.305.286 9.692.224 9.313.581 Tidak Diaudit Diaudit Tidak Diaudit Diaudit
7 Piutang multijasa - - - - - - - -
TOTAL EKUITAS 9.681.787 9.305.286 9.692.224 9.313.581 I. TAGIHAN KOMITMEN
8 Piutang qardh - - 1 - - 25 1 25
1. Fasilitas pembiayaan yang belum ditarik - - - -
TOTAL LIABILITAS DAN EKUITAS 21.891.259 21.736.656 21.658.909 21.747.580
9 Piutang Sewa - - - - - - - -
2. Posisi valas yang akan diterima dari transaksi spot dan forward - - - -
10 Pembiayaan mudharabah - - - - - - - -
LAPORAN ARUS KAS KONSOLIDASIAN 3. Lainnya - - - -
Tanggal 30 Juni 2025 dan 2024 11 Pembiayaan musyarakah 72 - 5.855 - - 2.121 2.121 -
(Dalam Jutaan Rupiah) II. KEWAJIBAN KOMITMEN
12 Pembiayaan lainnya - - - - - - - -
1. Fasilitas pembiayaan yang belum ditarik
30 Juni 2025 30 Juni 2024
POS-POS 13 Penyertaan modal - - 2.970 - - - 2.970 -
Tidak Diaudit Tidak Diaudit a. Committed - - - -
14 Komitmen dan Kontinjensi - - - - - - - -
ARUS KAS DARI AKTIVITAS OPERASI b. Uncommitted 164.433 170.028 164.433 170.028
Penerimaan pendapatan dari pengelolaan dana 2.592.573 2.708.639 2. Irrevocable L/C yang masih berjalan - - - -
Pembayaran bagi hasil dana syirkah temporer (246.100) (257.788) 3. Posisi valas yang akan diserahkan untuk transaksi spot dan forward - - - - LAPORAN TRANSAKSI SPOT DAN FORWARD TRIWULANAN
4. Lainnya - - - -
Tanggal 30 Juni 2025 Tidak Diaudit (Dalam Jutaan Rupiah)
Penerimaan pendapatan administrasi 1.872 4.300
III. TAGIHAN KONTINJENSI INDIVIDUAL
Penerimaan dari piutang murabahah yang dihapusbukukan 32.163 39.906
1. Garansi yang diterima - - - - No TRANSAKSI Tujuan Tagihan dan Liabilitas
Pembayaran beban tenaga kerja (834.085) (802.632)
2. Pendapatan dalam penyelesaian
Nominal
Pembayaran beban usaha lainnya (814.000) (1.313.046) Bukan Hedging Hedging Tagihan Liabilitas
a. Murabahah 43.882 54.744 43.882 54.744 A Terkait dengan Nilai Tukar
Pembayaran terkait pendapatan (beban) non-operasional - bersih (2.018) (936)
b. Istishna' - - - - 1 Spot - - - - -
Pembayaran pajak penghasilan badan (141.007) (99.426)
c. Sewa - - - - 2 Forward - - - - -
Arus kas sebelum perubahan dalam aset dan liabilitas operasi 589.398 279.017
d. Bagi hasil - - - - 3 Lainnya - - - - -
Perubahan dalam aset operasi, liabilitas operasi dan dana syirkah temporer:
e. Lainnya - - - - B Lainnya - - - - -
Penurunan (kenaikan) aset operasi :
3. Lainnya - - - - JUMLAH - - - - -
Penempatan pada Bank Indonesia dan bank lain IV. KEWAJIBAN KONTINJENSI
Piutang murabahah 81.955 1.132.276 1. Garansi yang diberikan - - - - LAPORAN DISTRIBUSI BAGI HASIL TRIWULANAN
Pembiayaan musyarakah (55.000) (192.399) Tanggal 30 Juni 2025 Tidak Diaudit (Dalam Jutaan Rupiah)
2. Lainnya - - - -
Pinjaman qardh (4) 380 Net Revenue Sharing
Aset lain-lain 20.902 (3.973)
LAPORAN RASIO KEUANGAN TRIWULANAN Porsi Pemilik Dana
Kenaikan (penurunan) liabilitas operasi: Tanggal 30 Juni 2025 dan 2024 Jenis Penghimpunan Dana Saldo Pendapatan yang
Rata-rata akan dibagihasilkan
Liabilitas segera (4.673) 6.256 Indikasi Rate
Nisbah (%) Jumlah Bagi Hasil
No POS-POS 30 Juni 2025 30 Juni 2024 of Return (%)
Simpanan nasabah 30.553 (126.816)
A B C D E
Liabilitas lain-lain (7.158) 27.466 Rasio Kinerja
1 Liabilitas Kepada Bank Lain - - 0,00% - 0,00%
Hak minoritas - - 1 Kewajiban Penyediaan Modal Minimun (KPMM) 52,90% 48,59%
2 Giro Mudharabah
Kenaikan dana syirkah temporer (294.477) (256.412) 2 Aset produktif bermasalah dan aset non produktif bermasalah terhadap total aset produktif dan aset non produktif 1,54% 1,63%
a. Bank - - 0,00% - 0,00%
Arus kas bersih diperoleh dari aktivitas operasi 361.496 865.795 3 Aset produktif bermasalah terhadap total aset produktif 1,54% 1,63%
b. Non Bank - - 0,00% - 0,00%
ARUS KAS DARI AKTIVITAS INVESTASI 4 Cadangan Kerugian Penurunan Nilai (CKPN) aset keuangan terhadap aset produktif 4,27% 4,74%
3 Tabungan Mudharabah
5 Non Performing Financing (NPF) gross 3,14% 3,05%
Hasil penjualan aset tetap 2.390 3.555 a. Bank - - 0,00% - 0,00%
6 Non Performing Financing (NPF) net 0,03% 0,02%
Pembelian aset tetap (20.014) (39.745) b. Non Bank 809.634 35.971 1,00% 360 0,54%
7 Return On Assets (ROA) 7,61% 6,54%
Pembelian aset tak berwujud (19.869) (32.406) 4 Deposito Mudharabah
8 Return On Equity (ROE) 14,63% 13,77%
Pembelian surat berharga (2.984.469) (4.100.331) a. Bank
9 Net Imbalan (NI) 23,05% 24,82%
Penjualan surat berharga 2.529.193 2.097.112 - 1 Bulan - - 0,00% - 0,00%
10 Net Operating Margin (NOM) 7,75% 6,59%
Arus kas bersih digunakan untuk aktivitas investasi (492.769) (2.071.815) - 3 Bulan - - 0,00% - 0,00%
11 Beban Operasional terhadap Pendapatan Operasional (BOPO) 68,81% 74,97%
ARUS KAS DARI AKTIVITAS PENDANAAN - 6 Bulan - - 0,00% - 0,00%
12 Cost to Income Ratio (CIR) 48,16% 43,63%
- 12 Bulan - - 0,00% - 0,00%
Pembayaran surat berharga yang diterbitkan (200.000) - 13 Pembiayaan bagi hasil terhadap total pembiayaan 5,77% 2,03%
b. Non Bank
Pembayaran dari pinjaman yang diterima - - 14 Financing to Deposit Ratio (FDR) 86,66% 88,84%
- 1 Bulan 7.028.870 312.288 10,77% 21.621 3,74%
Pembayaran dividen (259.604) (525.231) Kepatuhan (Compliance)
- 3 Bulan 1.257.098 55.852 10,79% 12.072 11,68%
Pembayaran pajak dividen (6.174) (15.166) 1 a. Persentase Pelanggaran BMPD
- 6 Bulan 185.464 8.240 10,99% 3.267 21,43%
Arus kas bersih digunakan untuk aktivitas pendanaan (465.778) (540.397) i. Pihak Terkait 0,00% 0,00%
12 Bulan 31.261 1.389 11,66% 291 11,32%
(PENURUNAN) KENAIKAN BERSIH KAS DAN SETARA KAS (597.051) (1.746.417) ii. Pihak Tidak Terkait 0,00% 0,00%
5 Pembiayaan yang Diterima - - 0,00% - 0,00%
b. Persentase Pelampauan BMPD
KAS DAN SETARA KAS AWAL TAHUN 3.644.385 4.260.714 Jumlah 9.312.327 413.740 37.611
i. Pihak Terkait 0,00% 0,00%
KAS DAN SETARA KAS AKHIR TAHUN 3.047.334 2.514.297
ii. Pihak Tidak Terkait 0,00% 0,00% Saldo Rata-rata Pendapatan yang Diterima
Kas dan setara kas akhir tahun terdiri dari: Jenis Penyaluran Dana
2 Giro Wajib Minimum (GWM)
A B
Kas 484.341 405.102
a. GWM rupiah 4,53% 6,15% 1 Penempatan pada Bank Lain 9.903.025 31.101
Giro pada Bank Indonesia 506.838 755.137
i. Harian 0,00% 0,00% 2 Piutang Murabahah
Giro pada bank lain 3.655 6.584 ii. Rata-rata 4,53% 6,15% a. Bank - -
Penempatan pada Bank Indonesia 950.000 0
b. GWM valuta asing (Harian) 0,00% 0,00% b. Non Bank 9.657.909 374.496
Penempatan pada Bank Lain 7.500 242.500 3 Piutang Istishna
3 Posisi Devisa Neto (PDN) secara keseluruhan 0,00% 0,00%
Investasi pada surat berharga 1.095.000 1.104.974 a. Bank - -
b. Non Bank - -
LAPORAN KUALITAS ASET PRODUKTIF DAN INFORMASI LAINNYA 4 Piutang Multijasa
Tanggal 30 Juni 2025 dan 2024 (Dalam Jutaan Rupiah)
a. Bank - -
INDIVIDUAL b. Non Bank - -
No POS-POS 30 Juni 2025 30 Juni 2024 5 Pembiayaan Gadai
L DPK KL D M JUMLAH L DPK KL D M JUMLAH a. Bank - -
I. PIHAK TERKAIT b. Non Bank - -
6 Pembiayaan Mudharabah
1 Penempatan pada bank lain
a. Bank - -
a. Rupiah 2.042 - - - - 2.042 3.354 - - - - 3.354
b. Non Bank - -
b. Valuta asing - - - - - - - - - - - -
7 Pembiayaan Musyarakah
2 Tagihan spot dan forward a. Bank - -
a. Rupiah - - - - - - - - - - - - b. Non Bank 574.695 2.101
b. Valuta asing - - - - - - - - - - - - 8 Pembiayaan Sewa
a. Bank - -
3 Surat berharga dimiliki
b. Non Bank - -
a. Rupiah - - - - - - - - - - - -
9 Pembiayaan Lainnya
b. Valuta asing - - - - - - - - - - - -
a. Bank - -
4 Tagihan akseptasi - - - - - - - - - - - - b. Non Bank 73 -
5 Pembiayaan berbasis piutang dan sewa Jumlah 20.135.702 407.698
a Nasabah UMKM - - - - - - - - - - - -
Profit Sharing
i. Rupiah - - - - - - - - - - - -
Porsi Pemilik Dana
ii. Valuta asing - - - - - - - - - - - - Jenis Penghimpunan Dana Saldo Pendapatan yang akan
Rata-rata dibagihasilkan Indikasi Rate
Nisbah (%) Jumlah Bagi Hasil
b. Bukan nasabah UMKM - - - - - - - - - - - - of Return (%)
i. Rupiah - - - - - - - - - - - -
A B C D E
1 Liabilitas Kepada Bank Lain
ii. Valuta asing - - - - - - - - - - - -
2 Giro Mudharabah
c. Pembiayaan yang direstrukturisasi
a. Bank - - 0,00% - 0,00%
i. Rupiah - - - - - - - - - - - -
b. Non Bank - - 0,00% - 0,00%
ii. Valuta asing - - - - - - - - - - - - 3 Tabungan Mudharabah
6 Pembiayaan bagi hasil a. Bank - - 0,00% - 0,00%
a. Nasabah UMKM - - - - - - - - - - - - b. Non Bank - - 0,00% - 0,00%
4 Deposito Mudharabah
i. Rupiah - - - - - - - - - - - -
a. Bank
ii. Valuta asing - - - - - - - - - - - -
- 1 Bulan - - 0,00% - 0,00%
b. Bukan nasabah UMKM
- 3 Bulan - - 0,00% - 0,00%
i. Rupiah - - - - - - - - - - - - - 6 Bulan - - 0,00% - 0,00%
ii. Valuta asing - - - - - - - - - - - - - 12 Bulan - - 0,00% - 0,00%
c. Pembiayaan yang direstrukturisasi b. Non Bank
i. Rupiah - - - - - - - - - - - - - 1 Bulan - - 0,00% - 0,00%
- 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 yang Diterima - - 0,00% - 0,00%
a. Rupiah - - - - - - - - - - - - Jumlah - - -
b. Valuta asing - - - - - - - - - - - -
Saldo Rata-rata Pendapatan yang Diterima
II. PIHAK TIDAK TERKAIT
Jenis Penyaluran Dana
A B
1 Penempatan pada bank lain 1 Penempatan pada Bank Lain - -
a. Rupiah 922 - - - - 922 1.023 - - - - 1.023 2 Piutang Murabahah
b. Valuta asing - - - - - - - - - - - - a. Bank - -
2 b. Non Bank - -
Tagihan spot dan forward
3 Piutang Istishna
a. Rupiah - - - - - - - - - - - -
a. Bank - -
b. Valuta asing - - - - - - - - - - - -
b. Non Bank - -
3 Surat berharga dimiliki
4 Piutang Multijasa
a. Rupiah 9.269.131 - - - - 9.269.131 8.844.267 - - - - 8.844.267 a. Bank - -
b. Valuta asing - - - - - - - - - - - - b. Non Bank - -
4 Tagihan akseptasi - - - - - - - - - - - - 5 Pembiayaan Gadai
a. Bank - -
5 Pembiayaan berbasis piutang dan sewa
b. Non Bank - -
a Nasabah UMKM
6 Pembiayaan Mudharabah
i. Rupiah 9.050.444 187.844 183.650 132.133 2.917 9.556.988 9.589.230 298.720 314.211 3.785 533 10.206.479
a. Bank - -
ii. Valuta asing - - - - - - - - - - - -
b. Non Bank - -
b. Bukan nasabah UMKM 7 Pembiayaan Musyarakah
i. Rupiah 2.253 - - - - 2.253 29.055 1 1 - - 29.057 a. Bank - -
ii. Valuta asing - - - - - - - - - - - - b. Non Bank - -
c. Pembiayaan yang direstrukturisasi 8 Pembiayaan Sewa
a. Bank - -
i. Rupiah 32.990 3.337 3.645 2.992 54 43.018 320.738 12.613 3.978 690 23 338.042
b. Non Bank - -
ii. Valuta asing - - - - - - - - - - - -
9 Pembiayaan Lainnya
6 Pembiayaan bagi hasil - - - - - - - - - - - - - -
a. Bank
a. Nasabah UMKM b. Non Bank - -
i. Rupiah Jumlah - -
ii. Valuta asing - - - - - - - - - - - -
b. Bukan nasabah UMKM - - - - - - - - - - - -
LAPORAN SUMBER DAN PENYALURAN DANA ZAKAT DAN WAKAF
Tanggal 30 Juni 2025 dan 2024 (Dalam Jutaan Rupiah)
i. Rupiah
30 Juni 2025 31 Desember 2024
ii. Valuta asing 585.567 - - - - 585.567 212.068 - - - - 212.068 No URAIAN
Tidak Diaudit Diaudit
c. Pembiayaan yang direstrukturisasi A Sumber dan Penyaluran Dana Zakat
i. Rupiah - - - - - - - - - - - - 1 Penerimaan dana zakat yang berasal dari:
ii. Valuta asing - - - - - - - - - - - - a. Intern BUS - -
b. Ekstern BUS - -
7 Penyertaan modal - - - - - - - - - - - -
Total penerimaan - -
8 Komitmen dan kontinjensi
2 Penyaluran dana zakat kepada entitas pengelola zakat
a. Rupiah - - - - - - - - - - - -
a. Lembaga amil zakat - -
b. Valuta asing - - - - - - - - - - - - b. Badan amil zakat - -
III. INFORMASI LAIN Total penyaluran - -
1 Total aset bank yang dijaminkan:
B Sumber dan Penyaluran Dana Wakaf
a. Pada Bank Indonesia - -
1 Penerimaan dana wakaf yang berasal dari:
b. Pada pihak lain - -
a. Intern BUS - -
2 Agunan yang diambil alih - -
b. Ekstern BUS - -
Catatan: Total penerimaan - -
2 Penyaluran dana wakaf kepada entitas pengelola wakaf
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.
a. Badan Wakaf Indonesia - -
10/SEOJK.03/2020 tentang “Transparansi dan Publikasi Laporan Bank Umum Syariah dan Unit Usaha Syariah”. Serta guna memenuhi Peraturan No. VIII.G.7, Salinan Keputusan Ketua Badan Pengawas Pasar Modal & Lembaga Keuangan No. Kep-347/
b. Nadzir Lain - -
BL/2012 tanggal 25 Juni 2012 tentang Penyajian dan Pengungkapan Laporan Keuangan Emiten atau Perusahaan Publik. c. … - -
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 d. Lain-lain - -
diaudit oleh Kantor Akuntan Publik Siddharta Widjaja & Rekan dengan rekan penanggung jawab Novie, S.E., CPA dengan opini tanpa modifikasian dalam laporannya tertanggal 14 Februari 2025. Total penyaluran - -
DIREKSI, DEWAN KOMISARIS, DAN DEWAN PENGAWAS SYARIAH PEMEGANG SAHAM LAPORAN SUMBER DAN PENGGUNAAN DANA KEBAJIKAN
Tanggal 30 Juni 2025 dan 2024 (Dalam Jutaan Rupiah)
Direksi : I. Pemegang Saham Pengendali (PSP) :
30 Juni 2025 31 Desember 2024
• Direktur Utama : Hadi Wibowo PT Bank BTPN Tbk. 70,00% No URAIAN
Tidak Diaudit Diaudit
• Direktur Kepatuhan : Arief Ismail Pemegang Saham Pengendali Terakhir : Sumitomo Mitsui Financial Group
• Direktur : Fachmy Achmad melalui Sumitomo Mitsui Banking Corporation 1. Saldo awal dana kebajikan 2.796 3.409
• Direktur : Dwiyono Bayu Winantio II. Masyarakat lainnya masing-masing (≤ 5%) : 30,00% 2. Penerimaan dana kebajikan
• Direktur : Dewi Nuzulianti a. Infak dan sedekah - 150
Dewan Komisaris :
b. Pengembalian dana kebajikan produktif - -
• Komisaris Utama/Independen : Kemal Azis Stamboel
c. Denda 227 167
• Komisaris Independen : Mulya Effendi Siregar
• Komisaris Independen : Dewie Pelitawati d. Penerimaan non halal 28 166
• Komisaris : Ongki Wanadjati Dana e. Lainnya - -
Dewan Pengawas Syariah : Total penerimaan 255 483
• Ketua : H. Ikhwan Abidin, MA
3. Penggunaan dana kebajikan
• Anggota : H. Muhamad Faiz, MA
a. Dana kebajikan produktif - -
• Anggota : H. Cecep Maskanul Hakim, M.Ec*
b. Sumbangan - -
*) Efektif menjabat pada tanggal 10 Juli 2025 berdasarkan keputusan Dewan Komisioner Otoritas
c. Penggunaan lainnya untuk kepentingan umum 1.664 1.096
Jasa Keuangan Nomor KEPR-68/D.03/2025 tanggal 10 Juli 2025.
Total penggunaan 1.664 1.096
Jakarta, 24 Juli 2025 4. Kenaikan/ penurunan sumber dana kebajikan (1.409) (613)
S.E. & O 5. Saldo akhir dana kebajikan 1.387 2.796
Direksi,
Hadi Wibowo Fachmy Ahmad
Direktur Utama Direktur
Names mentioned 15 people and organisations named in the text · linked when the evidence is strong
unresolved
org
Bank Indonesia
p.2 ×6
unresolved
org
Bank Sistemik
p.2
unresolved
org
Financial Services Authority
p.2 ×2
unresolved
org
Wakaf Indonesia
p.2
unresolved
org
Siddharta Widjaja & Partners
p.2
unresolved
person
Charge Novie
p.2
unresolved
org
Via Sumitomo Mitsui Banking Corporation
p.2
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